¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ STATE BANK OF INDIA

‡ãòŠ³ãè¾ã ‡ãŠã¾ããÃÊã¾ã, ½ãìâºãƒÃ-400 021 Central Office, Mumbai-400 021

Notice
ÔãîÞã¶ãã The 54th Annual General Meeting of the Shareholders
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè 54Ìããé ÌãããäÓãÇ㊠½ãÖãÔã¼ãã ÌããƒÃ.ºããè. ÞãÌÖã¥ã of the State Bank of India will be held at the
Ôãò›À, •ã¶ãÀÊã •ãØã¸ãã©ã ¼ããñÔãÊãñ ½ããØãÃ, ¶ãÀãè½ã¶ã ¹ããùƒ›â , ½ãìºâ ãƒÃ - 400 021 (½ãÖãÀãÓ›È) Y.B. Chavan Centre, General Jagannath Bhosale Marg,
Nariman Point, Mumbai - 400 021 (Maharashtra) on
½ãò Íãì‰ãŠÌããÀ, ã䪶ããâ‡ãŠ 19 •ãî¶ã 2009 ‡ãŠãñ ‚ã¹ãÀãÙ¶ã 3.30 ºã•ãñ ãä¶ã½¶ããäÊããäŒã¦ã ‡ãŠã¾ãà Friday, the 19th June, 2009 at 3.30 p.m. for transacting
‡ãñŠ ãä¶ãÓ¹ã㪶ã Öñ¦ãì ÖãñØããè:- the following business:-
``31 ½ããÞãà 2009 ¦ã‡ãŠ ‡ãŠãè ‡ãñŠ¶³ãè¾ã ºããñ¡Ã ‡ãŠãè ãäÀ¹ããñ›Ã, ºãö‡ãŠ ‡ãŠã ¦ãìÊã¶ã-¹ã¨ã ''to receive the Central Board's Report, the Balance
Sheet and Profit and Loss Account of the Bank
‚ããõÀ Êãã¼ã-Öããä¶ã ÊãñŒãã ¦ã©ãã ¦ãìÊã¶ã-¹ã¨ã ‚ããõÀ ÊãñŒããò ¹ãÀ ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãŠãè made up to the 31st March, 2009 and the Auditors'
ãäÀ¹ããñ›Ã ¹ãÆ㹦㠇ãŠÀ¶ãã''ý Report on the Balance Sheet and Accounts''.

½ãìâºãƒÃ. (‚ããñ.¹ããè. ¼ã›á›) Mumbai. (O. P. BHATT)

ã䪶ããâ‡ãŠ: 30 ½ããÞãà 2009 ‚㣾ãàã Date: 30th March, 2009 CHAIRMAN

ãäÌãÓã¾ã-ÔãîÞããè Contents
‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠãò, ºããñ¡Ã ‡ãŠãè Ôããä½ããä¦ã¾ããò, Ô©ãã¶ããè¾ã ºããñ¡ãô †Ìãâ List of Directors of Central Board, Committees of the Board,
‡ãòŠ³ãè¾ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‡ãñŠ ÔãªÔ¾ããò ‚ããõÀ ºãö‡ãŠ ‡ãñŠ ÊãñŒãã¹ãÀãèàã‡ãŠãò ‡ãŠãè ÔãîÞããè 2 Members of the Local Boards and Members of the Central Management
ãä¶ãÓ¹ã㪶ã Ôãâ‡ãñŠ¦ã‡ãŠ 8 Committee and the Bank's Auditors 2
„ÊÊãñŒã¶ããè¾ã ¦ã©¾ã 9 Performance Indicators 8
‚㣾ãàã ‡ãŠãè ‡ãŠÊã½ã Ôãñ 10 Highlights 9
ãä¶ãªñÍã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã From the Chairman's Desk 11
¹ãƺãâ£ã¶ã ãäÌãÌãñÞã¶ã †Ìãâ ãäÌãÍÊãñÓã¥ã Directors' Report
‚ãããä©ãÇ㊠¹ãðÓŸ¼ãîãä½ã †Ìãâ ºãöãä‡ãâŠØã ¹ããäÀÌãñÍã 22 Management Discussion and Analysis
ãäÌ㦦ããè¾ã ãä¶ãÓ¹ã㪶ã 24 Economic Backdrop and Banking Environment 23
ãä¶ãÓ¹ã㪶㠇ãñŠ „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã Financial Performance 25
‡ãŠ ØÊããñºãÊã ½ãã‡ãóŠ›áÔã ãäÌã¼ããØã 28 Performance Highlights
Œã ‡ãŠãÀ¹ããñÀñ› ºãöãä‡ãâŠØã Ôã½ãîÖ 30 A Global Markets Deparment 29
Ø㠽㣾㠇ãŠãÀ¹ããñÀñ› Ôã½ãîÖ 32 B Corporate Banking Group 31
Üã ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ 34 C Mid Corporate Group 33
Ý ØãÆã½ããè¥ã ̾ãÌãÔãã¾ã Ôã½ãîÖ 38 D National Banking Group 35
Þã ãäÌã¹ã¥ã¶ã †Ìãâ ¹ãÆãä¦ã ãäÌã‰ãŠ¾ã ãäÌã¼ããØã 42 E Rural Business Group 39
F Marketing & Cross Selling Deparment 43
œ ‡ãŠãÀ¹ããñÀñ› ‡ãŠã¾ãöããèãä¦ã †Ìãâ ¶ãÌã ̾ãÌãÔãã¾ã 44
G Corporate Strategies and New Business 45
•ã ‚ãâ¦ãÀÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ (‚ãヺããè•ããè) 48
H International Banking Group (IBG) 49
¢ã ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè 50
I Associates & Subsidiaries 51
šã ‚ãããäÔ¦ã Øãì¥ãÌ㦦ãã 56 J Asset Quality 57
› ÔãîÞã¶ãã ¹ãÆãõ²ããñãäØã‡ãŠãè 56 K Information Technology 57
Ÿ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã †Ìãâ ‚ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã 60 L Risk Management & Internal Controls 61
¡ ̾ãÌãÔãã¾ã ‚ããÔãîÞã¶ãã ãäÌã¼ããØã 64 M Business Intelligence Department 65
¤ ØãÆãև㊠ÔãñÌãã †Ìãâ Ôãã½ãããä•ã‡ãŠ ÔãñÌãã ºãöãä‡ãâŠØã 64 N Customer Service & Community Services Banking 65
¥ã ‡ãŠãÀ¹ããñÀñ› Ôãâ¹ãÆñÓã¥ã †Ìãâ ¹ããäÀÌã¦ãöã 66 O Corporate Communication & Change 67
¦ã ÔãâØ㟶ã㦽ã‡ãŠ ¾ããñ•ã¶ãã 68 P Organisational Planning 69
©ã ÔãîÞã¶ãã ‡ãŠã ‚ããä£ã‡ãŠãÀ ‚ããä£ããä¶ã¾ã½ã (‚ããÀ›ãè‚ããƒÃ †‡ã‹› 2005) 68 Q Right to Information Act (RTI Act 2005) 69
ª ½ãã¶ãÌã ÔãâÔãã£ã¶ã 68 R Human Resources 69
£ã ̾ãÌãÔãã¾ã ¹ãÆãä‰ãŠ¾ãã ¹ãì¶ããäÌãö¾ããÔã 72 S Business Process Re-engineering 73
¶ã Àã•ã¼ããÓãã ãäÌã¼ããØã 72 T Official Language Department 73
¹ã ºãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã ãäÌã¼ããØã 72 U Banking Operations Department 73
„¦¦ãÀªããä¾ã¦Ìã ãäÌãÌãÀ¥ã 74 Responsibility Statement 75
‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã 76 Corporate Governance 77
‚ã¶ãìÊãضã‡ãŠ 94 Annexures 95
¦ãìÊã¶ã¹ã¨ã, Êãã¼ã †Ìãâ Öããä¶ã Œãã¦ãã, Balance Sheet, Profit & Loss Account, Cash Flow Statement
¶ã‡ãŠªãè ¹ãÆÌããÖ ãäÌãÌãÀ¥ã ‚ããõÀ ÊãñŒãã¹ãÀãèàã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã and Report of the Auditors of
— ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ 108 — State Bank of India 108
— Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ (Ôã½ãñãä‡ãŠ¦ã) 161 — State Bank Group (Consolidated) 161
¶ãƒÃ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ÔãâÀÞã¶ãã (ºãñÔãÊã-II) Ô¦ãâ¼ã - III New Capital Adequacy Framework (Basel-II) Pillar-III
(ºãã•ããÀ ‚ã¶ãìÍããÔã¶ã) ¹ãƇ㊛ãè‡ãŠÀ¥ã 213 (Market Discipline) Disclosures 213
¹ãÆãù‡ã‹Ôããè ¹ãŠã½ãà 235 Proxy Form 236
„¹ããäÔ©ããä¦ã ¹ãÞããê 237 Attendance Slip 238
B© gr Eg {dH$În 239 ECS Mandate 240

C1 K1
 ‡ãòŠ³ãè¾ã Central Board
ãä¶ãªñÍã‡ãŠ ºããñ¡Ã of Directors

(9 ½ãƒÃ 2009 ‡ãŠãñ) (As on 9th May 2009)

‚㣾ãàã Chairman
Ñããè ‚ããñ.¹ããè. ¼ã›á› Shri O.P. Bhatt

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Managing Directors

Ñããè †Ôã.‡ãñŠ. ¼ã›á›ãÞãã¾ãà Shri S.K. Bhattacharyya

Ñããè ‚ããÀ. Ñããè£ãÀ¶ã Shri R. Sridharan

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Øã) ‡ãñŠ ‚ãâ¦ãØãæã ãä¶ãÌããÃãÞä ã¦ã ãä¶ãªñÍã‡ãŠ Directors elected under Section 19(c) of SBI Act
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã Dr. Ashok Jhunjhunwala

Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè Shri Dileep C. Choksi

Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã Shri S. Venkatachalam

Ñããè ¡ãè. Ôã춪À½ã Shri D. Sundaram

‡ãŠã¾ãÇãŠãÊã: 3 ÌãÓãà ‚ããõÀ ãä¹ãŠÀ Ôãñ 3 ÌãÓãà ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠTerm: 3 years and eligible for re-election for further
¹ãì¶ããä¶ãÃÌããÃÞã¶ã Öñ¦ãì ¹ãã¨ã period of 3 years
‚ããä£ã‡ãŠ¦ã½ã ‡ãŠã¾ãÇãŠãÊã : ÊãØãã¦ããÀ 6 ÌãÓãà Maximum tenure: 6 years continuously

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Üã) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ Directors nominated under Section 19(d) of SBI Act
¡ãù. ªñÌãã¶ã¶ª ºãÊããñ£ããè Dr. Deva Nand Balodhi

¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè Prof. Md. Salahuddin Ansari

¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã Dr. (Mrs.) Vasantha Bharucha

¡ãù. Àã•ããèÌã ‡ã슽ããÀ Dr. Rajiv Kumar

‡ãŠã¾ãÇãŠãÊã: 3 ÌãÓãà ‚ã©ãÌãã „¦¦ãÀããä£ã‡ãŠãÀãè ‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã ¦ã‡ãŠ, ‚ããõÀ ¹ãì¶ããä¶ãþãìãä‡ã‹¦ã/ Term: 3 years or till the Successor is appointed,
¹ãì¶ã¶ããýããâ‡ãŠ¶ã Öñ¦ãì ¹ãã¨ã and eligible for re-appointment / re-nomination
‚ããä£ã‡ãŠ¦ã½ã ‡ãŠã¾ãÇãŠãÊã : ÊãØãã¦ããÀ 6 ÌãÓãà Maximum tenure: 6 years continuously

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Þã) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ Director nominated under Section 19(f) of SBI Act
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã Smt. Shyamala Gopinath

C2 K2
 Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãà Ñããè. ‚ããÀ. Ñããè£ãÀ¶ã ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã
Shri S. K. Bhattacharyya Shri R. Sridharan Dr. Ashok Jhunjhunwala

Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã Ñããè ¡ãè. ÔãìªÀ½ã
Shri Dileep C. Choksi Shri S. Venkatachalam Shri D. Sundaram

Ñããè ‚ããñ.¹ããè. ¼ã›á›

Shri O. P. Bhatt

¡ãù. ªñÌãã ¶ã⪠ºãÊããñ£ããè ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã ¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè
Dr. Deva Nand Balodhi Dr. (Mrs.) Vasantha Bharucha Prof. Md. Salahuddin Ansari

¡ãù. Àã•ããèÌã ‡ã슽ããÀ Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã

Dr. Rajiv Kumar Smt. Shyamala Gopinath

C3 K3
ã䪶ããâ‡ãŠ 9 ½ãƒÃ 2009 ‡ãŠãñ ºããñ¡Ã ‡ãŠãè Ôããä½ããä¦ã¾ããâ Committees of the Board as on 9th May 2009
‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã (ƒÃÔããèÔããèºããè) Executive Committee of the Central Board (ECCB)
‚㣾ãàã, Ñããè ‚ããñ.¹ããè. ¼ã›á› Chairman, Shri O.P. Bhatt
¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ, Ñããè †Ôã.‡ãñŠ. ¼ã›á›ãÞãã¾ãà ‚ããõÀ Ñããè ‚ããÀ. Ñããè£ãÀ¶ã Managing Directors, Shri S.K. Bhattacharyya & Shri R. Sridharan
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Þã) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ (¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè Director nominated under Section 19(f) of the SBI Act (Reserve
¶ãããä½ã¦ããè) Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã ‚ããõÀ ¼ããÀ¦ã ½ãò Öãñ ÀÖãè ºãõŸ‡ãŠ-Ô©ãÊã ‡ãñŠ ãä¶ãÌããÔããè ¾ãã ºãõŸ‡ãŠ ‡ãñŠ Ôã½ã¾ã „Ôã Bank of India nominee), Smt. Shyamala Gopinath, and All or
Ô©ãã¶ã ¹ãÀ „¹ããäÔ©ã¦ã Ôã¼ããè ¾ã㠂㶾㠇ãŠãñƒÃ ãä¶ãªñÍã‡ãŠý any of the other Directors who are normally residents or may
for the time being be present at any place within India where
ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã (†Ôããèºããè) - 6 ãä¶ãªñÍã‡ãŠ the meeting is held.
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã - Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã
Audit Committee of the Board (ACB) – 6 directors
Ñããè †Ôã. Ìãö‡ãŠ‹›ãÞãÊã½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri Dileep C. Choksi, Director-Member-Chairman of the Committee
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri S. Venkatachalam, Director – Member
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã, ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè ¶ãããä½ã¦ããè - ÔãªÔ¾ã (¹ãªñ¶ã) Dr. Ashok Jhunjhunwala, Director – Member
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè - ÔãªÔ¾ã (¹ãªñ¶ã) Smt. Shyamala Gopinath, RBI Nominee – Member (Ex-officio)
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) - ÔãªÔ¾ã (¹ãªñ¶ã) Shri S.K. Bhattacharyya, MD & CCRO – Member (Ex-officio)
ºããñ¡Ã ‡ãŠãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã (‚ããÀ†½ãÔããèºããè) - 6 ãä¶ãªñÍã‡ãŠ Shri R. Sridharan, MD & GE (A&S) – Member (Ex-Officio)
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè - ÔãªÔ¾ã (¹ãªñ¶ã), Risk Management Committee of the Board (RMCB)–6 directors
Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã Shri S.K. Bhattacharyya, MD & CCRO – Member (Ex-officio),
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) - ÔãªÔ¾ã (¹ãªñ¶ã) Chairman of the Committee
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri R. Sridharan, MD & GE (A&S) – Member (Ex-Officio)
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Ashok Jhunjhunwala, Director – Member
Shri Dileep C. Choksi, Director – Member
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã
Dr. (Mrs.) Vasantha Bharucha, Director – Member
¡ãù. Àã•ããèÌã ‡ã슽ããÀ, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Rajiv Kumar, Director – Member
ºããñ¡Ã ‡ãŠãè Íãñ¾ãÀ£ããÀ‡ãŠ/ãä¶ãÌãñÍã‡ãŠ ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã Ôããä½ããä¦ã (†Ôã‚ãフããèÔããèºããè) - 5 ãä¶ãªñÍã‡ãŠ Shareholders’/Investors’ Grievance Committee of the Board
¡ãù. ªñÌãã¶ã¶ª ºãÊããñ£ããè, ãä¶ãªñÍã‡ãŠ - Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã (SIGCB) – 5 directors
Ñããè ¡ãè. Ôã춪À½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Deva Nand Balodhi, Director – Chairman of the Committee
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri D. Sundaram, Director – Member
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè - ÔãªÔ¾ã (¹ãªñ¶ã) Prof. Md. Salahuddin Ansari, Director – Member
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) - ÔãªÔ¾ã (¹ãªñ¶ã) Shri S.K. Bhattacharyya, MD & CCRO – Member (Ex-officio)
ºãü¡ãè ÀããäÍã ‡ãŠãè £ããñŒãã£ããä¡ü ¾ããò ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãñŠ ãäÊㆠºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠãè ãäÌãÍãñÓã Ôããä½ããä¦ã - 7 ãä¶ãªñÍã‡ãŠ Shri R. Sridharan, MD & GE (A&S) – Member (Ex-officio)
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè - ÔãªÔ¾ã (¹ãªñ¶ã), Special Committee of the Board of Directors for Monitoring
Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã of Large Value Frauds – 7 directors
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) - ÔãªÔ¾ã (¹ãªñ¶ã) Shri S.K. Bhattacharyya, MD & CCRO – Member (Ex-officio),
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Chairman of the Committee
Shri R. Sridharan, MD & GE (A&S) – Member (Ex-Officio)
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã
Shri Dileep C. Choksi, Director – Member
¡ãù. ªñÌãã¶ã¶ª ºãÊããñ£ããè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri S. Venkatachalam, Director – Member
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Deva Nand Balodhi, Director – Member
Ñããè ¡ãè. Ôã춪À½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Prof. Md. Salahuddin Ansari, Director – Member
ºããñ¡Ã ‡ãŠãè ØãÆãև㊠ÔãñÌãã Ôããä½ããä¦ã (Ôããè†ÔãÔããèºããè) - 6 ãä¶ãªñÍã‡ãŠ Shri D. Sundaram, Director – Member
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè - ÔãªÔ¾ã (¹ãªñ¶ã), Customer Service Committee of the Board (CSCB) – 6 directors
Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã Shri S.K. Bhattacharyya, MD & CCRO – Member (Ex-officio),
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) - ÔãªÔ¾ã (¹ãªñ¶ã) Chairman of the Committee
¡ãù. ªñÌãã¶ã¶ª ºãÊããñ£ããè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri R. Sridharan, MD & GE (A&S) – Member (Ex-officio)
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Deva Nand Balodhi, Director – Member
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Prof. Md. Salahuddin Ansari, Director – Member
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. (Mrs.) Vasantha Bharucha, Director – Member
Shri S. Venkatachalam, Director – Member
ºããñ¡Ã ‡ãŠãè ¹ãÆãõ²ããñãäØã‡ãŠãè Ôããä½ããä¦ã (›ãèÔããèºããè) - 6 ãä¶ãªñÍã‡ãŠ
Technology Committee of the Board (TCB) – 6 directors
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã
Dr. Ashok Jhunjhunwala, Chairman of the Committee
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. (Mrs.) Vasantha Bharucha, Director – Member
¡ãù. Àã•ããèÌã ‡ã슽ããÀ, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Rajiv Kumar, Director – Member
Ñããè ¡ãè. Ôã춪À½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri D. Sundaram, Director – Member
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè - ÔãªÔ¾ã (¹ãªñ¶ã) Shri S.K. Bhattacharyya, MD & CCRO – Member (Ex-officio)
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) - ÔãªÔ¾ã (¹ãªñ¶ã) Shri R. Sridharan, MD & GE (A&S) – Member (Ex-officio)
ºããñ¡Ã ‡ãŠãè ¹ãããäÀÑããä½ã‡ãŠ Ôããä½ããä¦ã - 3 ãä¶ãªñÍã‡ãŠ Remuneration Committee of the Board - 3 Directors
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã, ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãŠãè ¶ãããä½ã¦ããè - ÔãªÔ¾ã (¹ãªñ¶ã) Smt. Shyamala Gopinath, RBI Nominee – Member (Ex-officio)
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Dr. Ashok Jhunjhunwala, Director – Member
Ñããè †Ôã. Ìãö‡ãŠ‹›ãÞãÊã½ã, ãä¶ãªñÍã‡ãŠ - ÔãªÔ¾ã Shri S. Venkatachalam, Director – Member

C4 K4
Ô©ãã¶ããè¾ã ºããñ¡ãô ‡ãñŠ ÔãªÔ¾ã Members of Local Boards
(9 ½ãƒÃ 2009 ‡ãŠãñ) (As on 9th May 2009)
‚ãÖ½ãªãºã㪠Ahmedabad
Ñããè ›ãè.Ôããè.†. ÀâØã¶ãã©ã¶ã Shri T.C.A. Ranganathan
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
ºãâØãÊãîÀ Bangalore
Ñããè½ã¦ããè ½ãÖã¹ããÀã ‚ãÊããè Smt. Mahapara Ali
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè½ã¦ããè †¶ã.†Ôã. À¦¶ãã ¹ãƼãã Smt. N.S. Rathna Prabha
Ñããè †Êã. Þãâ³ÍãñŒãÀ Shri L. Chandrashekar
Ñããè ‚ããÀ. ‚ãÍããñ‡ãŠ ‡ã슽ããÀ Shri R. Ashok Kumar
Ñããè Ñããèãä¶ãÌããÔã ãä¦ãÌããÀãè Shri Srinivas Tiwari
¼ããñ¹ããÊã Bhopal
Ñããè ¡ãè.‡ãñŠ. •ãõ¶ã Shri D.K. Jain
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
¼ãìÌã¶ãñÍÌãÀ Bhubaneswar
Ñããè †½ã.†¶ã. ÀãÌã Shri M.N.Rao
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè ½ãìÀÊããè£ãÀ •ãñ¶ãã Shri Muralidhar Jena
Þãâ¡ãèØãü¤ Chandigarh
Ñããè ‚ã•ã¾ã ÔÌã¹ã Shri Ajay Swaroop
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè ØãìÀ•ããè¦ã ãäÔãâÖ ÊããèÖãÊã Shri Gurjit Singh Lehal
Ñããè ãä¨ãÊããñ‡ãŠãè ¶ãã©ã ãäÔãâØÊãã Shri Triloki Nath Singla
Þãñ¸ãƒÃ Chennai
Ñããè •ãñ. Þãâ³ÍãñŒãÀ¶ã Shri J. Chandrasekaran
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã* Dr. Ashok Jhunjhunwala*
Ñããè †Ôã. Ìã¶ã½ã½ãÊãƒÃ Shri S. Vanamamalai
Ñããè ¹ããè. ãäÌãÍÌã¶ãã©ã¶ã Shri P. Viswanathan
ÖõªÀãºã㪠Hyderabad
Ñããè ‚ããÀ.‡ãñŠ. Íã½ããà Shri R.K. Sharma
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè ãäÞ㶦ãã Ìãö‡ãŠ› ‡ãðŠÓ¥ãã Shri Chinta Venkat Krishna
Ñããè •ãÊãªì ‡ãŠãñ›ñÍÌãÀ ÀãÌã Shri Jaldu Koteswara Rao
‡ãŠãñÊã‡ãŠã¦ãã Kolkata
Ñããè •ãñ.‡ãñŠ. ãäÔã¶Öã Shri J.K. Sinha
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè Íãâ‡ãŠÀ ‡ã슽ããÀ Ô㶾ããÊã Shri Sankar Kumar Sanyal
ÊãŒã¶ã… Lucknow
Ñããè ãäÍãÌã ‡ã슽ããÀ Shri Shiva Kumar
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè ½ãª¶ã ½ããñÖ¶ã Íãì‡ã‹Êãã Shri Madan Mohan Shukla
½ãìâºãƒÃ Mumbai
Ñããè ¶ããÀã¾ã¥ã¶ã Àã•ãã Shri Narayanan Raja
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè* Shri Dileep C. Choksi*
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã* Shri S. Venkatachalam*
Ñããè ¡ãè. ÔãìâªÀ½ã* Shri D. Sundaram*
Ñããè Ôãõ¾ãª •ããÌãñª ½ãì¶ããèÀ Öãͽããè Shri Syed Javed Munir Hashmi
ãäªÊÊããè Delhi
Ñããè Øããõ¦ã½ã ‡ãŠãâ•ããèÊããÊã Shri Gautam Kanjilal
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè* Dr. Deva Nand Balodhi*
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã* Dr. (Mrs.) Vasantha Bharucha*
¡ãù. Àã•ããèÌã ‡ã슽ããÀ* Dr. Rajiv Kumar*
„¦¦ãÀ ¹ãîÌããê North Eastern
Ñããè †Ôã. ãäÌãÍÌã¶ãã©ã¶ã Shri S. Vishvanathan
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
ÔãìÑããè ½ããè¶ãã¦ããè Ôãõãä‡ãŠ¾ãã Ms. Minati Saikia
¡ãù. ‡ãŠÊ¾ãã¥ã ‡ã슽ããÀ ØããñØããñƒÃ Dr. Kalyan Kumar Gogoi
¹ã›¶ãã Patna
Ñããè †. ‡ãðŠÓ¥ã ‡ã슽ããÀ Shri A. Krishna Kumar
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (¹ãªñ¶ã) Chief General Manager (Ex-Officio)
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè* Prof. Md. Salahuddin Ansari*
‡ãñŠÀÊã Kerala
Ñããè ãä¶ãÀâ•ã¶ã ¹ããÀÍãã Shri Niranjan Parsha
½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ (Ô©ãã¶ãã¹ã¸ã) (¹ãªñ¶ã) Chief General Manager (Officiating) (Ex-Officio)
Ñããè Ôããè. †. ºããºãì ‚ãºãÆãֽ㠇ãŠãäÊÊãÌãã¾ããäÊãÊã Shri C.A. Babu Abraham Kallivayalil
Ñããè ›ãè.¹ããè.†½ã. ƒºãÆããäֽ㠌ãã¶ã Shri T.P.M. Ibrahim Khan
* ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 21 (1) (Œã) ‡ãñŠ ‚ã¶ãìÔããÀ Ô©ãã¶ããè¾ã ºããñ¡ãô ¹ãÀ ¶ãããä½ã¦ã * Directors on the Central Board nominated on the Local
‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠý Boards as per Section 21(1)(b) of SBI Act.

C5 K5
‡ãòŠ³ãè¾ã Members of
¹ãƺãâ£ã¶ã Central
Ôããä½ããä¦ã ‡ãñŠ Management
ÔãªÔ¾ã Committee
(9 ½ãƒÃ 2009 ‡ãŠãñ) (As on 9th May 2009)

Ñããè ‚ããñ.¹ããè. ¼ã›á› Shri O.P. Bhatt

‚㣾ãàã Chairman

Ñããè †Ôã.‡ãñŠ. ¼ã›á›ãÞãã¾ãà Shri S.K. Bhattacharyya

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè Managing Director & Chief Credit & Risk Officer

Ñããè ‚ããÀ. Ñããè£ãÀ¶ã Shri R. Sridharan

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ Managing Director & Group Executive
(ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) (Associates & Subsidiaries)

Ñããè Ôããè. ¶ãÀãäÔã½Ö¶ã Shri C. Narasimhan

„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ Deputy Managing Director & Group Executive
(ØÊããñºãÊã ½ãã‡ãóŠ›Ôãá) (Global Markets)

Ñããè ‚ããä¼ã•ããè¦ã ª¦¦ãã Shri Abhijit Datta

„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ Deputy Managing Director & Group Executive
(½ã£¾ã ‡ãŠãÀ¹ããñÀñ›) (Mid Corporate)

Ñããè ‚ã¶ãì¹ã ºã¶ã•ããê Shri Anup Banerji

„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ Deputy Managing Director & Group Executive
(Rural Business)
(ØãÆã½ããè¥ã ̾ãÌãÔãã¾ã)

Ñããè ‚ãÍããñ‡ãŠ ½ãì‡ã⊪ Shri Ashok Mukand

Deputy Managing Director &
„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ ½ã쌾ã ãäÌ㦦㠂ããä£ã‡ãŠãÀãè
Chief Financial Officer

Ñããè †Þã.•ããè. ‡ãŠã¶›Èñ‡ã‹›À

Shri H.G. Contractor
„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ
Deputy Managing Director & Group Executive
(‡ãŠãÀ¹ããñÀñ› ºãöãä‡ãâŠØã) (Corporate Banking)

Ñããè ‚ããÀ.¹ããè. ãäÔã¶Öã

Shri R.P. Sinha
„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
Deputy Managing Director
(ÔãîÞã¶ãã ¹ãÆãõ²ããñãäØã‡ãŠãè) (Information Technology)

Ñããè ¹ãƦããè¹ã Ôããè. Þããõ£ãÀãè

Shri Pratip C. Chaudhuri
„¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ Deputy Managing Director & Group Executive
(‚㶦ãÀÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã) (International Banking)

C6 K6
ºãö‡ãŠ ‡ãñŠ The Bank's
ÊãñŒãã-¹ãÀãèàã‡ãŠ Auditors

½ãñÔãÔãà ¡ãè.¹ããè. Ôãñ¶ã †¥¡ ‡ã⊹ã¶ããè, ‡ãŠãñÊã‡ãŠã¦ãã, M/s D.P. Sen & Co., Kolkata,
‡ãŠãñÊã‡ãŠã¦ã㠽㥡Êã Kolkata Circle

½ãñÔãÔãà •ããè.†½ã. ‡ãŠ¹ããã䡾ãã †¥¡ ‡ã⊹ã¶ããè, ½ãìâºãƒÃ, M/s G.M. Kapadia & Co., Mumbai,
½ãìâºãƒÃ ½ã¥¡Êã Mumbai Circle

½ãñÔãÔãà ‚ããÀ.•ããè.†¶ã. ¹ãÆãƒÔã †¥¡ ‡ã⊹ã¶ããè, Þãñ¸ãƒÃ, M/s R.G.N. Price & Co., Chennai,
Þãñ¸ãƒÃ ½ã¥¡Êã Chennai Circle

½ãñÔãÔãà †Ôã.‡ãñŠ. ãä½ã¦¦ãÊã †¥¡ ‡ã⊹ã¶ããè, ¶ãƒÃ ãäªÊÊããè, M/s S.K. Mittal & Co., New Delhi,
ãäªÊÊããè ½ã¥¡Êã Delhi Circle

½ãñÔãÔãà Ìã£ãýãã¶ã †¥¡ ‡ã⊹ã¶ããè, Þãñ¸ãƒÃ, M/s Vardhaman & Co., Chennai,
ÖõªÀãºã㪠½ã¥¡Êã Hyderabad Circle

½ãñÔãÔãà Ìããè.‡ãñŠ. ãä•ã¶ªÊã †¥¡ ‡ã⊹ã¶ããè, ÀãâÞããè, M/s V.K. Jindal & Co., Ranchi,
¹ã›¶ã㠽㥡Êã Patna Circle

½ãñÔãÔãà •ãõ¶ã ‡ãŠãä¹ãÊãã †ÔããñãäÔ㆛áÔã, ¶ãƒÃ ãäªÊÊããè, M/s Jain Kapila Associates, New Delhi,
¼ããñ¹ããÊ㠽㥡Êã Bhopal Circle

½ãñÔãÔãà †.‡ãñŠ. Ôããºã¦ã †¥¡ ‡ã⊹ã¶ããè, ¼ãìÌã¶ãñÍÌãÀ, M/s A.K. Sabat & Co., Bhubaneswar,
¼ãìÌã¶ãñÍÌãÀ ½ã¥¡Êã Bhubaneswar Circle

½ãñÔãÔãà ª¦¦ãã ãäÔãâØÊãã †¥¡ ‡ã⊹ã¶ããè, Þãâ¡ãèØãü¤, M/s Datta Singla & Co., Chandigarh,
Þãâ¡ãèØãü¤ ½ã¥¡Êã Chandigarh Circle

½ãñÔãÔãà ª¦¦ãã ÔãÀ‡ãŠãÀ †¥¡ ‡ã⊹ã¶ããè, ‡ãŠãñÊã‡ãŠã¦ãã, M/s Dutta Sarkar & Co., Kolkata,
„¦¦ãÀ ¹ãîÌããê ½ã¥¡Êã North Eastern Circle

½ãñÔãÔãà Øã칦ãã †¥¡ ÍããÖ, ‡ãŠã¶ã¹ãìÀ, M/s Gupta & Shah, Kanpur,
ÊãŒã¶ã… ½ã¥¡Êã Lucknow Circle

½ãñÔãÔãà ØãìÖã ¶ãâªãè †¥¡ ‡ã⊹ã¶ããè, ‡ãŠãñÊã‡ãŠã¦ãã, M/s Guha Nandi & Co., Kolkata,
‚ãÖ½ãªãºã㪠½ã¥¡Êã Ahmedabad Circle

½ãñÔãÔãà †.‚ããÀ. ãäÌãÍÌã¶ãã©ã¶ã †¥¡ ‡ã⊹ã¶ããè, ºãâØãÊãîÀ, M/s A.R. Viswanathan & Co., Bangalore,
ºãâØãÊãîÀ ½ã¥¡Êã Bangalore Circle

½ãñÔãÔãà Þããõ‡ãŠÔããè †¥¡ Þããõ‡ãŠÔããè, ½ãìâºãƒÃ, M/s Chokshi & Chokshi, Mumbai,
‡ãñŠÀÊ㠽㥡Êã Kerala Circle

C7 K7
 <SπTpQS _z@u‚O@‚
Performance Indicators

C8 K8
 „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
Highlights
\^{ @u‚ <[h TqZ\O{S T}qO]O Xuõ
FOR THE YEAR 2007-08 2008-09 % change
@s‚[ dpY (@‚ZpuÊ> ‘Th)
Total Income (Rs. crores) 57,645 76,479 32.67
@s‚[ ∑YY (@‚ZpuÊ> ‘Th)
Total Expenditure (Rs. crores) 44,538 58,564 31.49
<S\[ [pW (@‚ZpuÊ> ‘Th)
Net Profit (Rs. crores) 6,729 9,121 35.55
T}<O ]uYZ dG{S (‘Th) (½ãîÊã)
Earnings per Share (Rs.) (Basic) 126.62 143.77 13.54
dpv_O TqZ_zT<lYpuõ TZ dpY (%)
Return on Average Assets (%) 1.01 1.04 2.97
e{q°\J>r TZ dpY (%)
Return on Equity (%) 17.82 15.73 (-) 11.73
T}<O @‚X{EpZr [pW (‘Th `GpZ)
Profit per Employee (Rs. thousands) 372.57 473.77 27.16

XpE{ XpE{ TqZ\O{S T}<O]O Xuõ

\^{ @‚√ _Xp<ØO TZ March March % change
AT THE END OF 2008 2009

_zQl TtzGr dpvZ dpZ<b<OYpz h\z

d<R]u^ (@‚ZpuÊ ‘Th)
Paid-up Capital and Reserves
& Surplus (Rs. crores) 49,033 57,948 18.18
GXpZp<]Ypy (@‚ZpuÊ> ‘Th)
Deposits (Rs. crores) 5,37,404 7,42,073 38.08
d<B}X (@‚ZpuÊ> ‘Th)
Advances (Rs. crores) 4,16,768 5,42,503 30.17
Qu] ˘∫PO ]pApdpuõ @‚√ _z¢Yp
Number of Domestic Branches 10,186 11,448 12.39
<\Qu] ˘∫PO ]pApdpuõ/@‚pYp{[Ypuõ @‚√ _z¢Yp
Number of Foreign Branches/Offices 84 92 9.52
TtzGr TYp{ØOOp dSsTpO (%)
ºãñÔãÊã-II
Capital Adequacy Ratio (%)
(Basel-II) 12.64 14.25 12.74
<S\[ dSG{@‚ TqZ_zT<lYpy (%)
Net NPA (%) 1.78 1.76 (-) 1.12

C9 K9
 ‚㣾ãàã
‡ãŠãè ‡ãŠÊã½ã Ôãñ

ãä¹ãƾã Íãñ¾ãÀ£ããÀ‡ãŠãñ,

½ãö ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè ÌãÓãà 2008-09 ‡ãŠãè ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãñ Öì† ØããõÀÌãããä¶Ìã¦ã ‚ã¶ãì¼ãÌã ‡ãŠÀ ÀÖã
Öîúý ½ãö ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè ƒÔã ÌãÓãà ‡ãŠãè ‡ã슜 ½ãÖ¦Ìã¹ãî¥ãà „¹ãÊãã亣ã¾ããò ‚ããõÀ ¹ãƾããÔããò Ôãñ ¼ããè ‚ãã¹ã‡ãŠãñ ‚ãÌãØã¦ã
‡ãŠÀã¶ãã ÞããÖîúØããý

ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ¼ããÀ¦ã ãäÌãÍÌã ½ãò ÔãºãÔãñ ¦ãñ•ã Øããä¦ã Ôãñ ãäÌã‡ãŠãäÔã¦ã Öãñ ÀÖãè ‚ã©ãÃ̾ãÌãÔ©ãã‚ããò ½ãò ÊãØãã¦ããÀ ªîÔãÀñ
Ô©ãã¶ã ¹ãÀ ºã¶ãã ÀÖãý †ñÔãã ÜãÀñÊãî ½ããâØã ‡ãñŠ ºãü¡ñ ¹ãõ½ãã¶ãñ ¹ãÀ ºãü¤¶ãñ, ãäÌãÍãñÓã‡ãŠÀ ØãÆã½ããè¥ã ¼ããÀ¦ã ½ãò, ÔãÀ‡ãŠãÀãè
ãä¶ãÌãñÍã, ãäÌ㦦ããè¾ã ÔãñÌãã àãñ¨ã ½ãò ãäÔ©ãÀ¦ãã, ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè ªÀ ½ãò ãäØãÀãÌã› ‚ããõÀ ‚ã¶ãñ‡ãŠ ½ããñÞããô ¹ãÀ ÍããèÜãƦãã Ôãñ
ãä‡ãŠ† ØㆠÔã½ããä¶Ìã¦ã ¶ããèãä¦ãØã¦ã „¹ãã¾ããò ‡ãñŠ ‡ãŠãÀ¥ã Ôãâ¼ãÌã Öì‚ããý ÖãÊããâãä‡ãŠ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÌãÍÌã ‡ãŠã ‚ãããä©ãÇãŠ
¹ããäÀÒ;ã ÔãÌããÃãä£ã‡ãŠ Þãì¶ããõ¦ããè¹ãî¥ãà ÀÖãý ƒÔã‡ãŠã ‡ã슜 ¹ãƼããÌã Ìã¦ãýãã¶ã ÌãÓãà ½ãò ¼ããè ã䪌ããƒÃ ªñØãã, ¹ãÀ ‚ãã•ã ‡ãñŠ
ÌãõÍÌããè‡ãŠÀ¥ã ‡ãñŠ ªãõÀ ‡ãñŠ ºããÌã•ãîª ¼ããÀ¦ã ¹ãÀ ƒÔã‡ãŠã ºãÖì¦ã •¾ããªã ‚ãÔãÀ ¶ãÖãé ÖãñØããý ‚ãÊãºã¦¦ãã ƒÔãÔãñ ‚ããõ²ããñãäØã‡ãŠ
„¦¹ã㪶ã, •ããè¡ãè¹ããè ãäÌã‡ãŠãÔã ªÀ ‚ããõÀ ãä¶ã¾ããæ㠂ãÌã;㠇ã슜 ¹ãƼãããäÌã¦ã Öì† Ööý

Ö½ããÀã ½ãã¶ã¶ãã Öõ ãä‡ãŠ ºãðÖ¦¦ãÀ ‚ãããä©ãÇ㊠àãñ¨ã ‡ãŠã ÔãºãÔãñ ºãìÀã ªãõÀ Øãì•ãÀ Øã¾ãã Öõý ¼ããÀ¦ããè¾ã ‚ã©ãÃ̾ãÌãÔ©ãã ½ãò Ôãì£ããÀ
‡ãñŠ Ôãâ‡ãñŠ¦ã ã䪌ããƒÃ ªñ¶ãñ ÊãØãñ Ööý Ôããè½ãò›, Ô›ãèÊã, ¹ããäÀÌãÖ¶ã, ªîÀÔãâÞããÀ, ºãöãä‡ãâŠØã ‚ããõÀ „¹ã¼ããñ‡ã‹¦ãã ÌãÔ¦ãì •ãõÔãñ àãñ¨ããò
½ãò ãäÌã‡ãŠãÔã ‡ãŠãè ¹ãÆÌãðã䦦ã Êããõ› ÀÖãè Öõý ØãÆã½ããè¥ã àãñ¨ããò ½ãò ºãüü¤¦ããè ½ããâØã ‡ãŠã ãäÌãØã¦ã ÌãÓãà ½ãò ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãñŠ ãäÌã‡ãŠãÔã
½ãò ½ã쌾㠾ããñØãªã¶ã ÀÖã ©ããý Ìã¦ãýãã¶ã ÌãÓãà ½ãò ¼ããè ãäÌã‡ãŠãÔã ªÀ ºãü¤ã¶ãñ ½ãò ƒÔã‡ãŠãè ¼ãîãä½ã‡ãŠã ÀÖ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã
Öõý ‡ãòŠ³ ½ãò †‡ãŠ ¶ãƒÃ, ãäÔ©ãÀ ÔãÀ‡ãŠãÀ ºã¶ã •ãã¶ãñ Ôãñ •ããè¡ãè¹ããè ‡ãŠãè ãäÌã‡ãŠãÔã ªÀ 2009-10 ½ãò 7% Ôãñ …¹ãÀ
ÀÖ¶ãñ ‡ãŠãè „½½ããèª Öõý

10

C10 K10
From the
Chairman’s Desk

Dear Shareholders,

I consider it an honour to place before you, your Bank’s Annual

Report for the year 2008-09. I would also like to share with you
some of the significant achievements and initiatives undertaken by
your Bank during the year.

During the year, India continued to remain the second fastest growing
economy in the world, because of large domestic demand, especially
from rural India, Govt. investments, a stable financial services sector,
fall in inflation and prompt coordinated policy action on multiple
fronts. This is despite the fact that the scenario of global economy
during the year gone by was one of the most challenging. Its effects
are not going to be completely wiped out even in the current year.
Its impact on India, however notwithstanding today’s globalised world,
has not been very severe, though it did somewhat affect industrial
production, GDP growth and exports.

On the macro-economic front, we believe that the worst is over.

The Indian economy is showing signs of revival with growth reviving
across sectors like cement, steel, auto, telecom, banking and FMCG.
Further, demand from the rural sector which was the mainstay of
the economy last year is expected to continue to propel growth in
the current year. With a new, stable Government in place, our
expectation for the GDP growth in 2009-10 is in excess of 7%.

11

C11 K11
ãäÌãÍÌã ‚ããõÀ ªñÍã ªãñ¶ããò ½ãò ‚ãããä©ãÇ㊠Øããä¦ããäÌããä£ã¾ããò ‡ãñŠ £ããè½ããè ÀÖ¶ãñ ‡ãñŠ ºããÌã•ãîª ‚ãã¹ã‡ãŠñ ºãö‡ãŠ ‡ãŠã ¹ãƪÍãö㠺ãñÖ¦ãÀãè¶ã
ÀÖãý ‡ãìŠÊã ̾ãÌãÔãã¾ã ½ãò Á. 3,30,404 ‡ãŠÀãñ¡ü ‡ãŠãè „¦ÔããÖÌã£ãÇ㊠Ìãðã®
ä , Êãã¼ã ½ãò Íãã¶ãªãÀ ºãü¤ãñ¦ãÀãè ‡ãñŠ Ôãã©ã-
Ôãã©ã †¶ã¹ããè† ‡ãŠ½ã ‡ãŠÀ¶ãñ ½ãò ¼ããè Ö½ããÀñ ¹ãƾããÔã Ôã¹ãŠÊã ÀÖñý ‚ãã¹ã‡ãŠã ºãö‡ãŠ ãäÌ㦦ã ÌãÓãà 2009 ½ãò ¼ããè ãä¶ãÀâ¦ãÀ ãäÌã‡ãŠãÔã
‡ãñŠ ¹ã©ã ¹ãÀ ‚ãØãÆÔãÀ Öõý ºãö‡ãŠ ¶ãñ ƒÔã ÌãÓãà ‚ã¹ã¶ãñ ÍããŒãã ãäÌãÔ¦ããÀ ‡ãŠã¾ãÉ㊽㠇ãñŠ ‚ãâ¦ãØãæã 807 ¶ãƒÃ ÍããŒãã†ú ŒããñÊããé
ãä•ã¶ã½ãò Ôãñ ‚ããä£ã‡ãŠãâÍã (481) ØãÆã½ããè¥ã ‚ããõÀ ‚ã£ãà ÍãÖÀãè àãñ¨ããò ½ãò ©ããéý ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãñ †›ã膽㠶ãñ›Ìã‡ãÊ ‡ãŠã ¼ããè
ãäÌãÔ¦ããÀ ãä‡ãŠ¾ããý ãäÌ㦦ã ÌãÓãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ƒÔã½ãò 44% ‡ãŠãè •ãºãÀªÔ¦ã ºãü¤ãñ¦ãÀãè ª•ãà ‡ãŠãè ØãƒÃ ãä•ãÔãÔãñ ƒÔã‡ãñŠ
†›ã膽ããò ‡ãŠãè Ôã⌾ãã 8581 ¹ãÀ ¹ãÖìÞâ ã ØãƒÃý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè †‡ãŠ ‚ããõÀ ºãü¡ãè „¹ãÊãã亣㠾ãÖ ÀÖãè
ãä‡ãŠ ºãö‡ãŠ ‡ãŠãè Ôã¼ããè 11448 ÍããŒãã‚ããò ‡ãŠãñ ‡ãŠãñÀ ºãöã‡ä ãâŠØã Ôãñ •ããñ¡ü ã䪾ãã Øã¾ããý ºãö‡ãŠ ‡ãŠã ‡ãŠãñÀ ºãöã‡ä ãâŠØã ¶ãñ›Ìã‡ãÊ ãäÌãÍÌã
‡ãñŠ ÔãºãÔãñ ºãü¡ñ ¶ãñ›Ìã‡ãŠãô ½ãò ‚ãØãÆ¥ããè Öõ •ããñ †‡ãŠ ºãÖì¦ã ºãü¡ãè „¹ãÊãã亣ã Öõý ÌãÓãà ‡ãŠãè †‡ãŠ ‚㶾㠽ãÖ¦Ìã¹ãî¥ãà Ü㛶ãã
ÀÖãè - ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ´ãÀã ‚ã¹ã¶ãñ ¹ãî¥ãà ÔÌãããä½ã¦Ìã ÌããÊãñ ÔãÖ¾ããñØããè Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ÔããõÀãÓ›È ‡ãŠã ‚ããä¼ãØãÆÖ¥ãý

‚ãã¹ã‡ãŠãñ ¾ãÖ •ãã¶ã‡ãŠÀ ¹ãÆÔã¸ã¦ãã ÖãñØããè ãä‡ãŠ ‚ãã¹ã‡ãŠñ ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãñ ãä¶ãÌãÊã Êãã¼ã ½ãò 35.55% ‡ãŠãè •ãºãÀªÔ¦ã Ìãðãä®
ã䪌ããƒÃ Öõý ãäÌ㦦ã ÌãÓãà 2009 ½ãò ºãö‡ãŠ ¶ãñ Á. 9,121 ‡ãŠÀãñü¡ ‡ãŠã Êãã¼ã ‚ããä•ãæã ãä‡ãŠ¾ãã •ããñ ãäÌ㦦ã ÌãÓãà 2008 ‡ãñŠ
Á. 6,729 ‡ãŠÀãñü¡ ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‚ãޜ㠌ããÔãã Öõý ¹ããäÀÞããÊã¶ã Êãã¼ã ½ãò ¼ããè ãäÌ㦦ã ÌãÓãà 2009 ½ãò 36.68% ‡ãŠãè
ŒããÔããè Ìãðãä® ª•ãà ‡ãŠãè ØãƒÃ ‚ããõÀ ¾ãÖ Á. 17,915 ‡ãŠÀãñü¡ ¹ãÀ ¹ãÖìúÞã Øã¾ããý †ñÔãã ãäÌ㦦ã ÌãÓãà 2009 ½ãò ãä¶ãÌãÊã
º¾ãã•ã ‚ãã¾ã ‡ãñŠ 22.63% ‡ãŠãè „¦ÔããÖ•ã¶ã‡ãŠ Ìãðãä® ‡ãñŠ Ôãã©ã Á. 20,873 ‡ãŠÀãñü¡ Öãñ •ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Öì‚ããý
ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã ½ãò ¾ãÖ ºãü¤ãñ¦ãÀãè ‚ããäØãƽããñâ ‡ãŠãè Ìãðãä® ªÀ ‚ããõÀ ¹ãÆãä¦ãÊãã¼ã ºãü¤¶ãñ Ôãñ ÖìƒÃý ƒÔã½ãò ‚㶾㠂ãã¾ã ‡ãŠã
¼ããè ¾ããñØãªã¶ã ÀÖã •ããñ 45.96% ºãüü¤‡ãŠÀ Á.12,691 ‡ãŠÀãñü¡ ¹ãÀ ¹ãÖìúÞã ØãƒÃý

ãäÌ㦦ã ÌãÓãà 2009 ½ãò ‚ãããä©ãÇ㊠ãäÌã‡ãŠãÔã ªÀ ‡ãñŠ £ããè½ãñ ÀÖ¶ãñ ‡ãñŠ Ôãâ‡ãñŠ¦ããò ‡ãñŠ ºããÌã•ãîª ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ º¾ãã•ã ‚ãã¾ã ½ãò
30.31% ‡ãñŠ Ôãã©ã Ôãã©ã Íãìʇ㊠‚ãã£ãããäÀ¦ã ¹ãƽãìŒã ‚ãã¾ã ½ãò ¼ããè 28.7% ‡ãŠãè „ÊÊãñŒã¶ããè¾ã Ìãðãä® ª•ãà ‡ãŠãèý ÖãÊããúãä‡ãŠ
¹ããäÀÞããÊã¶ã ŒãÞãà ½ãò ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ãòÍã¶ã ‚ããõÀ Ìãñ¦ã¶ã ÔãâÍããñ£ã¶ã ¦ã©ãã ‚ããä¦ããäÀ‡ã‹¦ã Ô›ã¹ãŠ ‡ãŠãè ¼ã¦ããê ‡ãñŠ ãäÊㆠ‚ããä£ã‡ãŠ
¹ãÆãÌã£ãã¶ã ãä‡ãŠ† •ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Ô›ã¹ãŠ ÊããØã¦ã ºãü¤¶ãñ Ôãñ 24.11% ‡ãŠãè ºãü¤ãñ¦ãÀãè ÖìƒÃ, ¹ãÀ ‚ãã¾ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò ŒãÞãÃ
‡ãŠñ ‚ã¶ãì¹ãã¦ã ½ãò ‡ãŠã¹ãŠãè ‡ãŠ½ããè (2.41%) ÊããƒÃ ØãƒÃ •ããñ ãäÌ㦦ã ÌãÓãà 2008 ‡ãñŠ 49.03% ‡ãñŠ Ô¦ãÀ Ôãñ ‡ãŠ½ã Öãñ‡ãŠÀ
ãäÌ㦦ã ÌãÓãà 2009 ½ãò 46.62% ¹ãÀ ‚ãã Øã¾ããý º¾ãã•ã Ô¹ãÆñ¡ãò ¹ãÀ ªºããÌã ‚ããõÀ ‡ãŠü¡ãè ¹ãÆãä¦ãÔ¹ã£ããà ‡ãñŠ ºããÌã•ãîª ‚ãã¹ã‡ãŠñ
ºãö‡ãŠ ‡ãŠã ãä¶ãÌãÊã º¾ãã•ã ½ãããä•ãöã ãäÌ㦦ã ÌãÓãà 2009 ½ãò 2.93% ÀÖ Ôã‡ãŠ¦ãã Öõý

ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãŠñ ºãö‡ãŠ ½ãò Ôã¼ããè ̾ãÌãÔãã¾ã / ºãã•ããÀ Œãâ¡ãò ½ãò Íãã¶ãªãÀ Ìãðãä® ªñŒããè ØãƒÃý
ƒÔã ÌãÓãà ‡ãŠãè ŒããÔã ºãã¦ã ¾ãÖ ÀÖãè ãä‡ãŠ ºãö‡ãŠ ‡ãñŠ ‚ããäØãƽããò ‚ããõÀ •ã½ããÀããäÍã¾ããò ªãò¶ããò ‡ãŠãè Ìãðãä® ªÀ …âÞããè ÀÖãè

12

C12 K12
Even in this slowdown, both global and domestic, your Bank has turned
in a brilliant performance with a splendid growth of Rs. 3,30,404 crores
in total business, impressive rise in profits and containment of NPAs.
At the same time, your Bank continued to be on the growth trajectory
during FY-09 in respect of branch expansion with as many as 807
new branches being opened, a majority of which (481) were in rural
and semi-urban areas. The Bank also increased its ATM network by
an impressive 44% to 8581 by the end of FY-09. Another important
milestone achieved by your Bank during the year was the extension
of coverage under the Core Banking Platform to cover all its 11448
Branches. This is one of the largest core banking networks in the world
and growing, and is no small achievement. Another significant event
during the year was acquisition of State Bank of Saurashtra, a wholly
owned Associate of your Bank, by your Bank.

You will be happy to note that your Bank showed an impressive

growth of 35.55% in Net Profit from Rs.6,729 crores in FY-08 to
Rs. 9,121 crores in FY-09. Operating Profits too posted a smart growth
of 36.68% to Rs. 17,915 crores in FY-09 on the back of a healthy
increase of 22.63% in Net Interest income to Rs.20,873 crores in
FY-09, driven by growth in advances and increase in yields as also
an increase of 45.96% to Rs.12,691 crores in other income.

Notwithstanding the economic slow down evidenced in the FY-09, your

Bank registered an impressive increase in interest income which rose by
30.31% as also a significant increase in core fee income which showed
a growth of 28.7%. Even though operating expenses rose by 24.11%,
attributable primarily to increase in staff costs on account of additional
provisions for pension and wage revision and recruitment of additional
staff during the year; cost to income ratio was brought down significantly
(2.41%) from 49.03% in FY-08 to 46.62% in FY-09. Despite pressure on
interest spreads and intense competition, your Bank could still record
a Net Interest margin (NIM) of 2.93% in FY-09.

During the year 2008-09, your Bank saw excellent growth in all
businesses/market segments in which it operates. A significant feature
during the year was your Bank’s high growth in both Advances and

13

C13 K13
‚ããõÀ ¾ãÖ „²ããñØã ‡ãñŠ ‚ããõÔã¦ã Ôãñ ¼ããè …¹ãÀ ÞãÊããè ØãƒÃý ƒÔã ‡ãŠãÀ¥ã ƒ¶ã‡ãñŠ ºãã•ããÀ ‚ãâÍã ½ãò ¼ããè ‚ãÞœãè
Ìãðãä® ÖìƒÃý

‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè •ã½ããÀããäÍã¾ããò ½ãò ÌãÓãà 2008-09 ½ãò 38.08% ‡ãŠãè ºãü¤ãñ¦ãÀãè ÖìƒÃ •ããñ ‚㶾㠂ã¶ãìÔãîãÞä ã¦ã Ìãããä¥ãã䕾ã‡ãŠ ºãö‡ãŠãò ‡ãŠãè
Ìãðã®
ä ªÀ 16.55% Ôãñ ‡ãŠã¹ãŠãè ‚ããä£ã‡ãŠ Öõý ƒÔã ‡ãŠãÀ¥ã ½ããÞãà 2009 ½ãò •ã½ããÀããäÍã¾ããò ½ãò ºãö‡ãŠ ‡ãŠã ºãã•ããÀ ‚ãâÍã 2.31% ‡ãñŠ
Ô¦ãÀ Ôãñ •ãºãÀªÔ¦ã Ìãðã®
ä ‡ãñŠ Ôãã©ã 17.72% ¹ãÀ ¹ãÖìÞâ ã Øã¾ããý ‡ãŠ½ã ÊããØã¦ã ÌããÊããè ÞããÊãî Œãã¦ãã - ºãÞã¦ã Œãã¦ãã (‡ãŠãÔãã)
•ã½ããÀããäÍã¾ããò ¹ãÀ ÊãØãã¦ããÀ £¾ãã¶ã ªñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ƒ¶ã‡ãŠãè Ìãðã®
ä ªÀ 23% ÀÖãèý ½ããâØã •ã½ããÀããäÍã¾ããò ½ãò ¼ããè ‚ãã¹ã‡ãñŠ
ºãö‡ãŠ ‡ãŠã ºãã•ããÀ ‚ãâÍã 3.67% ‡ãñŠ Ô¦ãÀ Ôãñ ‚㦾ããä£ã‡ãŠ ºãü¤‡ãŠÀ 17.53% Öãñ Øã¾ããý ©ããñ‡ãŠ •ã½ããÀããäÍã¾ããò ¹ãÀ ãä¶ã¼ãÃÀ¦ã㠇㊽ã
‡ãŠÀ¶ãñ ‡ãŠãè ‚ã¹ã¶ããè À¥ã¶ããèã¦ä ã ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¹ã‡ãñŠ ºãö‡ãŠ ´ãÀã ‡ãìŠÊã •ã½ããÀããäÍã¾ããò ½ãò ©ããñ‡ãŠ •ã½ããÀããäÍã¾ããò ‡ãŠã ¹ãÆã¦ä ãÍã¦ã ãäÌ㦦ã ÌãÓãÃ
2008 ‡ãñŠ 14.13% ‡ãñŠ Ô¦ãÀ Ôãñ Üã›ã‡ãŠÀ 10.81% ¹ãÀ Êãã¾ãã Øã¾ããý

ƒÔããè ¦ãÀÖ, ºãö‡ãŠ ‡ãŠñ ‚ããäØãƽããò ½ãò Á. 1,25,735 ‡ãŠÀãñ¡ü (30.17%) ‡ãŠãè •ãºãÀªÔ¦ã ºãü¤ãñ¦ãÀãè ªñŒããè ØãƒÃý ‚ããäØãƽããò ½ãò
30.17% ‡ãŠãè ¾ãÖ Ìãðã®
ä ‚ã¶¾ã ‚ã¶ãìÔãîãÞä ã¦ã Ìãããä¥ãã䕾ã‡ãŠ ºãö‡ãŠãò ‡ãŠãè 16.13% Ìãðã®
ä ªÀ ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‡ãŠã¹ãŠãè ‚ããä£ã‡ãŠ
Öõ, ƒÔãÔãñ ÌãÓãà ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ‚ããäØãƽããò ½ãò ºãö‡ãŠ ‡ãŠã ºãã•ããÀ ‚ãâÍã 0.83% ºãü¤‡ãŠÀ 16.03% Öãñ Øã¾ããý ‚ããäØãƽããò ½ãò ¾ãÖ
Ìãðãä® ¹ãƦ¾ãñ‡ãŠ ̾ãÌãÔãã¾ã Œãâ¡ ½ãò ªñŒããè ØãƒÃ (ºãü¡ñ ‚ããäØãƽã - 47%, ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› ‚ããäØãƽã - 23%, †ÔㆽãƒÃ
‚ããäØãƽã - 20%, ãäÀ›ñÊã ‚ããäØãƽã - 18%, ‡ãðŠãäÓã ‚ããäØãƽã - 19%, ‚ãâ¦ãÀÀãÓ›Èã¾è ã ‚ããäØãƽã - 54%), ãä•ãÔãÔãñ ‚ããäØãƽããò
½ãò ÔãÌããÄØããè¥ã Ìãðã®
ä Öìƒýà ŒãìªÀã ¨ãÉ¥ã ÊãØãã¦ããÀ ‚ãã‡ãŠÓãå㠇ãŠã ‡ãòŠ³ ºã¶ãñ Öì† Ööý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÍãàãã ¨ãÉ¥ããò ½ãò (50%),
Ìããֶ㠨ãÉ¥ããò ½ãò (36%) ‚ããõÀ ‚ããÌããÔã ¨ãÉ¥ããò ½ãò (21%) Ìãðã®
ä Öìƒýà ƒÔãÔãñ ØãðÖ ¨ãÉ¥ããò ½ãò ºãã•ããÀ ‚ãâÍã ‡ãŠãñ 17.48%
Ôãñ ºãü¤ã‡ãŠÀ 19.74% ‚ããõÀ ¶ã† ÌããÖ¶ããò ‡ãñŠ ãäÊㆠã䪆 •ãã¶ãñ ÌããÊãñ ¨ãÉ¥ããò ½ãò ºãã•ããÀ ‚ãâÍã ‡ãŠãñ 10% Ôãñ ºãü¤ã‡ãŠÀ
12% ‡ãŠÀ¶ãñ ½ãò ½ãªª ãä½ãÊããèý ÊãÜãì †Ìã⠽㣾ã½ã „²ã½ããò ‡ãŠãñ Ôã½ã¾ã ¹ãÀ ÔãÖã¾ã¦ãã „¹ãÊ㺣㠇ãŠÀã¶ãñ ãäÌãÍãñÓã‡ãŠÀ ‚ã©ãÃ̾ãÌãÔ©ãã
‡ãñŠ £ããè½ããè Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ãä¶ã¾ããæã - ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãŠãñ ªñŒã¦ãñ Öì† ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ´ãÀã ªãñ ¶ãƒÃ ¾ããñ•ã¶ãã†â - †ÔㆽãƒÃ
‡ãñŠ¾ãÀ ‚ããõÀ †ÔㆽãƒÃ Öñʹ㠌ããÔã ¦ããõÀ ¹ãÀ ¹ãƼãããäÌã¦ã ÊãÜãì †Ìã⠽㣾ã½ã „²ã½ããò ‡ãñŠ ãäÊㆠÍãì ‡ãŠãè ØãƒÃý ƒ¶ã ¾ããñ•ã¶ãã‚ããò ‡ãñŠ
‚ãâ¦ãØãæ㠂ããÔãã¶ã Íã¦ããô ¹ãÀ ‚ããõÀ 8% ‡ãŠãè ãäÀ¾ãã¾ã¦ããè º¾ãã•ã ªÀ ¹ãÀ ãäÌ㦦㠄¹ãÊ㺣㠇ãŠÀã¾ãã Øã¾ããý

‡ãðŠãäÓã Œãâ¡ ‡ãŠñ ãäÊㆠ‚ããäØãƽ㠄¹ãÊ㺣㠇ãŠÀã¶ãñ ½ãò ‚ãã¹ã‡ãŠñ ºãö‡ãŠ ‡ãŠã ¹ãƪÍãöã ÊãØãã¦ããÀ ªîÔãÀãè ºããÀ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãÃà ºãö‡ãŠ
‡ãñŠ ¶¾ãî¶ã¦ã½ã ãä¶ã£ããÃãäÀ¦ã Êãà¾ã 18% Ôãñ ‚ããä£ã‡ãŠ ÀÖãý ¶ã† ¨ãÉ¥ããò ‡ãñŠ ÔãâãäÌã¦ãÀ¥ã ‚ããõÀ ¶ã† ãä‡ãŠÔãã¶ããò ‡ãŠãñ ãäÌ㦦ã¹ããñÓã¥ã
‡ãñŠ ½ãã½ãÊãñ ½ãò ¼ããè ºãö‡ãŠ ‡ãŠã ãä¶ãÓ¹ã㪶㠼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã ãä¶ã£ããÃãäÀ¦ã Êãà¾ããò Ôãñ …¹ãÀ ÀÖãý `ÖÀ ¼ããÀ¦ããè¾ã ‡ãŠã
ºãö‡ãŠ' ºã¶ã¶ãñ ‡ãŠãè ‚ã¹ã¶ããè ½ãÖ¦Ìãã‡ãŠãâàããè ¾ããñ•ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ØãÆãև㊠ÔãñÌãã ‡ãòŠ³ãò/̾ãÌãÔãã¾ã ¹ãÆãä¦ããä¶ããä£ã¾ããò/
̾ãÌãÔãã¾ã ÔãÖ¾ããñãäØã¾ããò ‡ãŠãè Ôã⌾ãã ºãü¤ã‡ãŠÀ 17,979 ‡ãŠÀ ªãè Öõ ‚ããõÀ ¾ãÖ ¹ãîÌãÃÌã¦ããê ãäºã¶ãã ºãö‡ãŠ ‡ãŠãè ÔãìãäÌã£ãã ÌããÊãñ

14

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Deposits which exceeded the industry average, leading to a significant
increase in its market share.

Deposits of your Bank grew by 38.08% in 2008-09 against Other

Scheduled Commercial Banks (OSCB) growth of 16.55%, leading to a
spurt in its market share in deposits by 2.31% to 17.72% by
March 2009. With continued focus on low cost CASA deposits which
registered a growth of 23% during the year, your Bank’s market share
in demand deposits also rose sharply by 3.67% to 17.53%. As a part
of strategy, your Bank reduced its reliance on bulk deposits as a percentage
of total deposits to 10.81% from 14.13% in FY-08.

Similarly, the Bank’s advances portfolio witnessed a robust growth

(30.17%) of Rs.1,25,735 crores. This growth of 30.17% in advances
as against OSCB growth of 16.13% pushed up your Bank’s market
share in advances by 0.83 % to 16.03% by the year end. The growth
in advances was well rounded with every Segment (Large advances –
47%, Mid Corporate advances – 23%, SME advances – 20%, Retail
advances – 18%, Agri. advances – 19%, International advances – 54%),
contributing to the overall growth in advances. Retail lending continued
to occupy centre stage with a growth in Education Loans (50%), Auto
Loans (36%) and Housing Loans (21%) during the year. This also
helped improve market share from 17.48% to 19.74% in respect of
Home Loans and from 10% to 12% in respect of Auto Loans for
new vehicles. To offer timely help to SMEs, which were reeling under
the impact of slow down in the economy particularly exports, your
Bank launched two new schemes – SME CARE and SME HELP –
offering the affected SMEs, finance on liberalised terms at a concessional
rate of interest of 8%.

In advances to the Agriculture segment, your Bank continued to be

above the 18% benchmark stipulated by RBI for the second time
consecutively. It also surpassed the targets set by the Govt. of India
in respect of credit flow by way of fresh disbursements as also the
number of new farmers financed. In pursuit of its desire to be the
“Banker to every Indian”, your Bank has gone in for aggressive
expansion in the number of Customer Service Points/BCs/BFs to 17,979

15

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52,782 ØããâÌããò ½ãò ƒÔã Ôã½ã¾ã ‚ã¹ã¶ããè ÔãñÌãã†ú ¹ãƪã¶ã ‡ãŠÀ ÀÖã Öõ ‚ããõÀ ÞããÊãî ÌãÓãà ½ãò ãäºã¶ãã ºãö‡ãŠ ‡ãŠãè ÔãìãäÌã£ãã ÌããÊãñ
50,000 ‚ããä¦ããäÀ‡ã‹¦ã ØããâÌããò ‡ãŠãñ Íãããä½ãÊã ‡ãŠÀ¶ãñ ‡ãŠãè ¾ããñ•ã¶ãã Öõý ‚ãã¹ã‡ãŠã ºãö‡ãŠ ¶ãÌããè¶ã¦ã½ã ‚ããõÀ ÔãÌããó¦¦ã½ã ¹ãÆãõ²ããñãäØã‡ãŠãè
‡ãŠã „¹ã¾ããñØã ‡ãŠÀ Ôãâ¹ãî¥ãà ãäÌ㦦ããè¾ã Ôã½ããÌãñÍã¶ã ‡ãñŠ Êãà¾ã ‡ãŠãè ¹ãÆãã书㠇ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‡ãðŠ¦ãÔãâ‡ãŠÊ¹ã Öõý ÌãÓãà 2008-09
‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ØãÆãև㊠‡ãŠãè ºãã¾ããñ½ããèãä›È‡ãŠ ¹ãÖÞãã¶ã ¹ãÀ ‚ãã£ãããäÀ¦ã 23.61 ÊããŒã Ô½ãã›Ã ‡ãŠã¡Ã •ããÀãè ãä‡ãŠ† Øã†ý

‚ãâ¦ãÀãÃÓ›Èãè¾ã Ô¦ãÀ ¹ãÀ ¼ããè ‚ãã¹ã‡ãŠã ºãö‡ãŠ ÌãõãäÍÌã‡ãŠ ãäØãÀãÌã› ‡ãñŠ ºããÌã•ãîª 17.7% (‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ ½ãò), ‚ã©ããæãá
17.07 ãäºããäÊã¾ã¶ã ¾ãî†Ôã ¡ãùÊãÀ ‡ãŠãè „ÊÊãñŒã¶ããè¾ã Ìãðãä® ª•ãà ‡ãŠÀ¶ãñ ½ãò Ôã¹ãŠÊã ÀÖã ‚ããõÀ ºãö‡ãŠ „ÞÞã Ôãâ¼ããÌã¶ãã
ÌããÊãñ ªñÍããò ½ãò ¼ããÀ¦ã Ôãâºã® ̾ãÌãÔãã¾ã ‚ããä•ãæ㠇ãŠÀ¶ãñ ‡ãŠãè ‚ã¹ã¶ããè À¥ã¶ããèãä¦ã ¹ãÀ ÊãØãã¦ããÀ £¾ãã¶ã ‡ãòŠã䳦㠇ãŠÀ¦ãã
ÀÖãý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ½ããùÀãèÍãÔã ãäÔ©ã¦ã ºãö‡ãŠ ‡ãŠãè ‚ã¶ãìÓãâãäØã¾ããò ½ãò Ôãñ ªãñ ‡ãŠã ãäÌãÊã¾ã ‡ãŠÀ †Ôãºããè‚ãム(½ããùÀãèÍãÔã)
ãäÊããä½ã›ñ¡ ¶ãã½ã‡ãŠ †‡ãŠ ¶ãƒÃ ‡ã⊹ã¶ããè ‡ãŠã Ø㟶ã ãä‡ãŠ¾ãã Øã¾ãã, •ãºããä‡ãŠ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ‚ã¶ãìÓãâãäØã¾ããò †Ìãâ
Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‡ãñŠ Ôãã©ã ãäÔãâØãã¹ãìÀ ½ãò ¹ãî¥ãÃÔ¦ãÀãè¾ã Àãè›ñÊã ¹ããäÀÞããÊã¶ããò ÔããäÖ¦ã ãäÌãªñÍããò ½ãò 9 ¶ã† ‡ãŠã¾ããÃÊã¾ã ŒããñÊãñý
ƒÔãÔãñ ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãè Ôã⌾ãã ºãü¤‡ãŠÀ 92 Öãñ ØãƒÃ Öõ, •ããñ 32 ªñÍããò ½ãò ¹ãõŠÊãñ Ööý ÌãõãäÍÌã‡ãŠ ºãã•ããÀ
½ãò ‚ããä¶ããäÍÞã¦ã¦ãã ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ºããèÞã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ½ãò ¶ã‡ãŠªãè ‡ãŠãè ãäÔ©ããä¦ã
ÔãìãäÌã£ãã•ã¶ã‡ãŠ ÀÖãè ‚ããõÀ ‚ãã¹ã‡ãŠã ºãö‡ãŠ ½ããèã䡾ã½ã ›½ãà ¶ããñ›áÔã ‡ãŠã¾ãÉ㊽㠦ã©ãã ªáãäÌã¹ãàããè¾ã ¨ãÉ¥ããò ‡ãñŠ ¦ãÖ¦ã
686 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ ‡ãŠãè ÀããäÍã •ãì›ã ¹ãã¾ããý

†¶ã¹ããè† ‡ãŠãñ ãä¶ã¾ãâãäâ¨ã¦ã ‡ãŠÀ¶ãã ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ ãä¶ãÓ¹ã㪶㠇ãŠãè †‡ãŠ ‚ããõÀ ½ãÖ¦Ìã¹ãî¥ãÃ
„¹ãÊãã亣ã ÀÖãèý Ôã‡ãŠÊã †¶ã¹ããè† ãäÌ㦦ã ÌãÓãà 2008 ‡ãñŠ 3.04 ¹ãÆãä¦ãÍã¦ã ‡ãñŠ Ô¦ãÀ Ôãñ Ü㛇ãŠÀ ãäÌ㦦ã ÌãÓãà 2009
½ãò 2.84 ¹ãÆãä¦ãÍã¦ã ‡ãñŠ Ô¦ãÀ ¹ãÀ ‚ãã Øã†, •ãºããä‡ãŠ ãä¶ãÌãÊã †¶ã¹ããè† ‡ãŠã Ô¦ãÀ ãäÌ㦦ã ÌãÓãà 2008 ‡ãñŠ
1.78 ¹ãÆã¦ä ãÍã¦ã ‡ãñŠ ½ãì‡ãŠãºãÊãñ 1.76 ¹ãÆã¦ä ãÍã¦ã ¹ãÀ ÀÖã ãä•ãÔãñ ãäÔ©ãÀ Öãè ‡ãŠÖã •ãã†Øããý ƒÔããè ¹ãƇãŠãÀ, ºãñÔãÊã-II
‡ãñŠ ãä¶ã£ããÃãäÀ¦ã ½ãã¶ãªâ¡ãò ‡ãñŠ ‚ã¶ãìÔããÀ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠã ¹ãúî•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã ãäÌ㦦ã ÌãÓãà 2009 ½ãò ºãü¤‡ãŠÀ
14.25 ¹ãÆã¦ä ãÍã¦ã ‡ãñŠ Ô¦ãÀ ¹ãÀ ‚ãã Øã¾ããý ¾ãÖ ‚ã¶ãì¹ãã¦ã •ãÖãâ †‡ãŠ ‚ããñÀ ãäÌãÍÌã¼ãÀ ‡ãñŠ ãäÌããä¶ã¾ãã½ã‡ãŠãò ‡ãŠãè ‚ã¹ãñàãã‚ããò
‡ãŠãè ¹ãîã¦ä ãà ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ã¾ããù¦ã Öõ, ÌãÖãé ãäÌãÍÌã ‡ãñŠ ÔãÌããó¦¦ã½ã ºãö‡ãŠãò ‡ãñŠ ‚ã¶ãì¹ãã¦ã ‡ãñŠ ¼ããè Ôã½ã¦ãìʾã Öõý

‚ãã¹ã‡ãŠãñ ¾ãÖ •ãã¶ã‡ãŠÀ ¹ãÆÔ㶶ã¦ãã ÖãñØããè ãä‡ãŠ ãäÌ㦦ã ÌãÓãà 2009 ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ ÔãÖ¾ããñãäØã¾ããò ‡ãŠã
ãä¶ãÓ¹ã㪶㠼ããè „ÊÊãñŒã¶ããè¾ã ÀÖãý „¶ã‡ãñŠ ãä¶ãÌãÊã Êãã¼ã ½ãò 24.7 ¹ãÆã¦ä ãÍã¦ã ‡ãŠãè Ìãðã®
ä ÖìƒÃ ‚ããõÀ ¾ãÖ Á. 2774 ‡ãŠÀãñü¡
ÀÖã ¦ã©ãã ‡ãìŠÊã ‚ãããäÔ¦ã¾ããò ½ãò 18.95 ¹ãÆãä¦ãÍã¦ã ‡ãŠãè Ìãðãä® ÖìƒÃý ãäÌ㦦ããè¾ã ÔãñÌãã‚ããò ‡ãñŠ àãñ¨ã ½ãò ‚ã¹ã¶ããè ãäÔ©ããä¦ã/
Ñãñ¥ããè ‡ãŠãñ ½ã•ãºãî¦ã ‡ãŠÀ ØãõÀ-ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠã ¹ãƪÍãö㠼ããè ‚ãÞœã ÀÖãý

‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ãä¹ãœÊãñ ªãñ ÌãÓããô ½ãò ¶ã† ̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠ‚ã¶ãñ‡ãŠ ¹ãƇãŠãÀ ‡ãñŠ ¹ãƾããÔã ãä‡ãŠ†, ãä•ã¶ã‡ãŠã Êãã¼ã
‚ãºã ãä½ãÊã¶ãñ ÊãØãã Öõý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠñ ¹ãî¥ãà ÔÌãããä½ã¦Ìã ÌããÊããè ‚ã¶ãìÓãâØããè †Ôãºããè‚ããƒÃ

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which now cater to 52,782 previously un-banked villages, with plans
to cover additional 50,000 un-banked villages in the current year.
Your Bank is firm in its resolve to achieve total financial inclusion
through the use of the latest and best technology. As at the end
of 2008-09, as many as 23.61 lakh Smart Cards, which work on
biometric validation of the customers, had been issued.

In the international arena too, your Bank, despite the global meltdown,
achieved a significant growth of 17.7% (in USD terms) in credit to
USD 17.07 billion and continued to focus on its core strategy of
capturing India related business in high potential countries. While
two of the Bank’s subsidiaries in Mauritius were merged during the
year to create a new entity called SBI (Mauritius) Ltd., your Bank
along with its subsidiaries and Joint Ventures abroad opened 9 new
offices, including full-fledged retail operations in Singapore, taking
the total network of overseas offices to 92 spread over 32 countries.
Amidst turmoil in global markets, your Bank’s foreign offices maintained
a comfortable liquidity position and could raise US $ 686 million under
Bank’s Medium Term Notes (MTNs) programme and bilateral loans.

Another noteworthy feature of your Bank’s performance during the

year 2008-09 has been in the area of controlling NPAs. While Gross
NPAs declined marginally to 2.84% in FY-09 from 3.04% in FY-08,
Net NPA level too was practically stable at 1.76% as against 1.78%
in FY-08. Similarly, your Bank’s Capital Adequacy Ratio (CAR) in terms
of prescriptions of BASEL-II increased to 14.25% in FY-09. This healthy
ratio not only meets the requirements of the regulators worldwide but
is also comparable to the best banks globally.

You will be happy to know that the performance of the Associates

of your Bank during FY-09 has also been noteworthy with an increase
of 24.7% in net profit to Rs.2774 crores and 18.95% in total assets.
The non-banking subsidiaries, too, put up a good show with
consolidation of their position/ranking in their space in the financial
services arena.

Your Bank embarked on several new business initiatives during the

last two years which have started bearing fruit. During the year

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¹ãòÍã¶ã ¹ã⊡ ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ ¶ãñ ¶ãƒÃ ¹ãòÍã¶ã ̾ãÌãÔ©ãã ‡ãñŠ ‚ãâ¦ãØãæ㠹ãòÍã¶ã ãä¶ããä£ã¾ããò ‡ãñŠ ¹ãƺãâ£ã¶ã ‡ãŠã ‡ãŠã¾ãà ÍãìÂ
‡ãŠÀ ã䪾ããý ‚ããä¼ãÀàãã ÔãñÌãã ̾ãÌãÔãã¾ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÔããñÔãホãè •ã¶ãÀÊã ãäÔã‡ã‹¾ãìãäÀ›ãèÔã ÔããäÌãÃÔãñÔã ‡ãñŠ Ôãã©ã Øãã䟦ã
Ôãâ¾ãì‡ã‹¦ã „ªá¾ã½ã ‡ãñŠ ÌãÓãà 2009-10 ‡ãŠãè ªîÔãÀãè ãä¦ã½ããÖãè ½ãò ‡ãŠãÀãñºããÀ Íãì ‡ãŠÀ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý ƒÔããè ¦ãÀÖ
Ôãã£ããÀ¥ã ºããè½ãã ̾ãÌãÔãã¾ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ´ãÀã ƒâ;ããñÀòÔã ‚ããÔ›ÈñãäÊã¾ãã ØãÆì¹ã ‡ãñŠ Ôãã©ã ¶ãÌãâºãÀ 2008
½ãò Øãã䟦㠆‡ãŠ ‚㶾ã Ôãâ¾ãì‡ã‹¦ã „ªá¾ã½ã ‡ãñŠ ¼ããè ÌãÓãà 2009-10 ‡ãŠãè ‚ãâãä¦ã½ã ãä¦ã½ããÖãè ½ãò ‡ãŠãÀãñºããÀ Íãì ‡ãŠÀ¶ãñ
‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý

‚ãã¹ã‡ãŠã ºãö‡ãŠ ‚ããÔ›ÈñãäÊã¾ãã ‡ãñŠ ½ãõ‡ãŠÌããÀãè ‡ãõŠãä¹ã›Êã ØãÆì¹ã ¦ã©ãã ‚ãテ¹ãŠÔããè, ÌãããäÍãâØ㛶㠇ãñŠ Ôãã©ã
3 ãäºããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ ‡ãŠñ ¹ãÆãƒÌãñ› ƒÃã‡ä ã‹Ìã›ãè ¹ã⊡ ‡ãŠãè Ô©ãã¹ã¶ãã ‡ãñŠ ãäÊㆠÔã¼ããè ãä¶ã¾ãã½ã‡ãŠãò Ôãñ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã
‡ãŠÀ Þãì‡ãŠã Öõý ƒÔã ¹ã⊡ ‡ãŠã ãä¶ãÌãñÍã ¹ãÆãÀâ¼ã ½ãò ¼ããÀ¦ã ‡ãŠãè ƒ¶¹ãÆŠãԛȇã‹ÞãÀ ‚ãããäÔ¦ã¾ããò ½ãò ãä‡ãŠ¾ãã •ãã†Øããý ½ã£¾ã ¹ãîÌãÃ
ªñÍããò ‡ãñŠ Ôãã©ã ‡ã슜 ‚㶾㠹ã⊡ãò ‡ãŠãè Ô©ãã¹ã¶ãã ‡ãŠã ‡ãŠã¾ãà ‡ãŠƒÃ Ô¦ãÀãò ¹ãÀ ÞãÊã ÀÖã Öõý ‚ãã¹ã‡ãŠã ºãö‡ãŠ ½ããñºããƒÊã ºãöã‡ä ãâŠØã
¦ã©ãã ¼ãìØã¦ãã¶ã Ôã½ãã£ãã¶ã ̾ãÌãÔãã¾ã ‡ãñŠ Ôã½ãñ‡ãŠ¶ã ‡ãñŠ àãñ¨ã ½ãò ¶ãƒÃ ¹ãÖÊããò ¹ãÀ ‡ãŠã¾ãà ‡ãŠÀ ÀÖã Öõ ãä•ãÔãÔãñ ¹ããäÀÞããÊã¶ããò
‡ãŠãñ ªàã, ãä‡ãŠ¹ãŠã¾ã¦ããè ¦ã©ãã ªãñÖÀãÌã Àãä֦㠺ã¶ãã¾ãã •ãã Ôã‡ãñŠý

Ö½ãñÍãã ‡ãŠãè ¦ãÀÖ ØãÆãÖ‡ãŠ-ÔãñÌãã ‚ããõÀ ØãÆãև㊠Ôãâ¦ãìãäÓ› Ö½ããÀñ ¹ãƾããÔããò ½ãò ÔãÌããó¹ããäÀ ÀÖãèý ƒÔã ãäªÍãã ½ãò ‚ãã¹ã‡ãñŠ
ºãö‡ãŠ ¶ãñ 1 •ãìÊããƒÃ 2008 ‡ãŠãñ ‚ã¹ã¶ãñ ¶ã† ãäÌãû•ã¶ã, ãä½ãÍã¶ã ‚ããõÀ ½ãîʾ㠇㊩ã¶ã •ããÀãè ãä‡ãŠ†, •ããñ ºãö‡ãŠ ‡ãñŠ
Ô›ã¹ãŠ-ÔãªÔ¾ããò ‡ãñŠ ãäÌãÞããÀãò ¹ãÀ ‚ãã£ãããäÀ¦ã Ööý ãäÌãû•ã¶ã ‡ãŠ©ã¶ã - ``½ãñÀã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ, ½ãñÀã ØãÆãÖ‡ãŠ
ÔãÌããó¹ããäÀ, ½ãñÀã SBI : ØãÆãÖ‡ãŠ-Ôãâ¦ãìãäÓ› ½ãò ¹ãÆ©ã½ã'' - ºãö‡ãŠ ‡ãŠãè ØãÆãև㊠‡ãñŠ ¹ãÆãä¦ã ¹ãÆãä¦ãºã®¦ãã ‡ãŠã
¹ããäÀÞãã¾ã‡ãŠ Öõ ¦ã©ãã ¾ãÖ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè ¼ããÌããè ¾ããñ•ã¶ãã‚ããò, Øããä¦ããäÌããä£ã¾ããò †Ìãâ ‡ãŠã¾ãöããèãä¦ã¾ããò ½ãò ½ããØãêÍãÇãŠ
ÖãñØããý ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ö½ããÀã ºãö‡ãŠ-̾ãã¹ããè ÔãâÌã㪠‡ãŠã¾ãÉ㊽ã ``¹ããäÀÌã¦ãöã'' Ö½ããÀñ Ôã¼ããè ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãñŠ
Ôãã©ã-Ôãã©ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ 44,000 ‚ã£ããè¶ãԩ㠇㊽ãÃÞãããäÀ¾ããò ‡ãñŠ ãäÊㆠ¼ããè ‚ãã¾ããñãä•ã¦ã ãä‡ãŠ¾ãã Øã¾ããý ‚ãØãÊãñ
ªãñ ÌãÓããô ½ãò ``ãäÔã›ãè•ã¶ã †Ôãºããè‚ããƒÃ'' ¶ãã½ã‡ãŠ †‡ãŠ ¶ã¾ãã ‡ãŠã¾ãÉ㊽ã Íãì ‡ãŠÀ¶ãã ¹ãÆÔ¦ãããäÌã¦ã Öõ, ãä•ãÔã½ãò
½ãã¶ãÌã ÔãâÔãã£ã¶ã ‡ãñŠ •ããäÀ† ÔãâØ㟶㠽ãò ºãÖìÔ¦ãÀãè¾ã ‚ããä¼ãÌãðã䦦ã¹ãÀ‡ãŠ ¹ããäÀÌã¦ãö㠆Ìãâ ¹ããâ¦ãÀ¥ã ‡ãŠãè Ôãâ‡ãŠÊ¹ã¶ãã ‡ãŠãè
ØãƒÃ Öõý ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãñ ØãÆãÖ‡ãŠãò ‡ãŠãñ Ô㹦ããÖ ½ãò 24x7 ‚ãã£ããÀ ¹ãÀ „¦¹ããªãò †Ìãâ Œãã¦ããò ‡ãŠãè •ãã¶ã‡ãŠãÀãè
ªñ¶ãñ ‡ãñŠ ãäÊㆠ†‡ãŠ ›ãñÊã ¹ãÆŠãè ¶ãâºãÀ ÌããÊãã Ôãâ¹ã‡ãÊ ‡ãòŠ³ ¼ããè ŒããñÊãã Öõý

ãäÌ㦦ã ÌãÓãà 2009 ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ 33,703 Ô›ã¹ãŠ ‡ãŠãè ¼ã¦ããê ‡ãŠãè, •ããñ ãäÌãÍÌã ½ãò ºãöãä‡ãâŠØã àãñ¨ã
½ãò ‚ãºã ¦ã‡ãŠ ‡ãŠãè ÔãºãÔãñ ºãü¡ãè ¼ã¦ããê Öõý ƒÔãÔãñ ‚ãã¹ã‡ãŠã ºãö‡ãŠ ãäÌã¹ã¥ã¶ã ¹ãÀ ‚ããä£ã‡ãŠ £¾ãã¶ã ªñ¶ãñ, ªàã ØãÆãÖ‡ãŠ-

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2008-09, your Bank’s wholly owned subsidiary – SBI Pension Fund
Pvt. Ltd. – started functioning to manage pension funds under New
Pension System (NPS). A Joint Venture formed with Societe Generale
Securities Services for undertaking custodial services business is
likely to commence business during the second quarter of
2009-10. Similarly, another Joint Venture with Insurance Australia
Group (IAG) established by your Bank in November 2008 to undertake
business of General Insurance is likely to commence business in
the last quarter of 2009-10.

Your Bank has already received all regulatory approvals for establishing
a US $ 3 Billion Private Equity Fund jointly with Macquarie Capital
Group of Australia and IFC, Washington. The Fund will be investing
primarily in infrastructure assets in India. Some other funds with
Middle East countries are also in various stages of being set up.
Your Bank is also working on new initiatives in the area of Mobile
Banking as also consolidation of Payment Solutions business to
achieve efficiency in operations, reduce costs and avoid duplication
of efforts.

As always, customer service and customer satisfaction remains at the

core of our efforts. In this direction, your Bank unveiled on the
1st July 2008, its new Vision, Mission and Values statements, which
were based on views of the Bank’s staff. The vision statement –
My SBI, My Customer First, My SBI: First in Customer Satisfaction –
vividly describes its customer centric focus and shall be the guiding
principle for your Bank’s plans, activities and strategies in future.
Our mass international communication programme “Parivartan” was
extended during the year to cover all Associate Banks as also 44,000
subordinate staff of your Bank. A new programme named “Citizen
SBI”, which envisages deep routed multilevel attitudinal change and
transformation in the organization through waves of HR intervention,
is proposed to be rolled over in next two years. Your Bank also opened
a contact centre for providing to customers on a toll free number,
information on products and account enquiries on 24x7 basis.

Your Bank recruited 33,703 staff during FY-09 which was the largest
such recruitment exercise in the banking sector anywhere in the

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ÔãñÌãã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ‚ããõÀ ‚ã¹ã¶ãñ Ô›ã¹ãŠ ½ãò ‡ãŠ½ã ‚ãã¾ãì ÌããÊãñ ÔãªÔ¾ããò ‡ãŠãè Ôã⌾ãã ºãü¤ã¶ãñ •ãõÔãñ „¹ãã¾ã ÊããØãî
‡ãŠÀ ¹ãã†Øããý

½ãì¢ãñ ¾ãÖ ºã¦ãã¦ãñ Öì† ¹ãÆÔ㶶ã¦ãã Öãñ ÀÖãè Öõ ãä‡ãŠ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ ãä¶ãªñÍã‡ãŠ ºããñ¡Ã ¶ãñ 31 ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã
ÌãÓãà ‡ãñŠ ãäÊㆠ290 ¹ãÆãä¦ãÍã¦ã Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Öõý

¾ãÖ ÔÌãã¼ãããäÌã‡ãŠ Öãè Öõ ãä‡ãŠ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ªáÌããÀã ãä‡ãŠ† Øㆠ¹ãƾããÔããò †Ìãâ ¹ãÖÊããò ‡ãŠãè Ôã½ãã•ã ¶ãñ ÔãÀãÖ¶ãã ‡ãŠãèý
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ãŠƒÃ ¹ãìÀÔ‡ãŠãÀ ¹ãÆ㹦㠇ãŠÀ¶ãã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ ãäÊㆠØãÌãà ‡ãŠã ãäÌãÓã¾ã Öõý ºãö‡ãŠ ‡ãŠãñ ¹ãÆ㹦㠃¶ã
¹ãìÀÔ‡ãŠãÀãò ½ãò `ºãö‡ãŠÀ' ¹ããä¨ã‡ãŠã ‡ãŠã ``ºãö‡ãŠ ‚ããù¹ãŠ ª ƒ¾ãÀ 2008 - ƒâã䡾ãã'' ¹ãìÀÔ‡ãŠãÀ, ‡ãñŠ¹ãã膽ã•ããè ‡ãŠã
``½ããñÔ› †¡½ãメà ƒ¶¹ãÆŠãԛȇã‹ÞãÀ ¹ãŠãƒ¶ãöãäÍã¾ãÀ'' ¹ãìÀÔ‡ãŠãÀ, ¡¶ã †â¡ ºãÆã¡Ô›Èãè› ‡ãŠã ``›ãù¹ã ¹ããäºÊã‡ãŠ Ôãñ‡ã‹›À ºãö‡ãŠ
‚ãâ¡À †ÔㆽãƒÃ ¹ãŠãƒ¶ãöãäÔãâØã'', †ãäÍã¾ãã ½ã¶ããè ªáÌããÀ㠂㣾ãàã ‡ãŠãñ ã䪾ãã Øã¾ãã ``ºãñÔ› †ãä‡ã‹•ã‡ã‹¾ãîãä›Ìã'' ¹ãìÀÔ‡ãŠãÀ
„ÊÊãñŒã¶ããè¾ã Ööý ``¹ãŠãùÞãîöã'' 500 ØÊããñºãÊã ÔãîÞããè, ``¹ãŠãñºÔãÃ'' ‡ãŠãè ãäÌãÍÌã ‡ãŠãè 2000 ÔãºãÔãñ ºãü¡ãè ‡ã⊹ããä¶ã¾ããò
‡ãŠãè ÔãîÞããè, ``ºãö‡ãŠÀ'' ¹ããä¨ã‡ãŠã ‡ãŠãè ãäÌãÍÌã ‡ãñŠ ÍããèÓãà 1000 ºãö‡ãŠãò ‡ãŠãè ÔãîÞããè, ºãÆãâ¡ ¹ãŠãƒ¶ãöÔã-ØÊããñºãÊã
500 ¹ãŠãƒ¶ãöãäÍã†Êã ºãÆãâ¡ ãäÀ‡ãŠãäضãÍã¶ã ‚ãããäª ½ãò ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè Àöãä‡ãâŠØã ½ãò Ôãì£ããÀ ãä‡ãŠ¾ãã Öõý

‚ãã•ã ãäÌãÍÌã ‡ãñŠ ¦ãñ•ããè Ôãñ ãäÌã‡ãŠãäÔã¦ã Öãñ ÀÖñ ªñÍããò ½ãò ¼ããÀ¦ã ‚ãØãÆ¥ããè Öõ ‚ããõÀ ÌãÖ ‚ãã¶ãñ ÌããÊãñ ÌãÓããô ½ãò ÌãõãäÍÌã‡ãŠ
‚ã©ãÃ̾ãÌãÔ©ãã ½ãò †‡ãŠ ̾ãã¹ã‡ãŠ ¼ãîãä½ã‡ãŠã ãä¶ã¼ãã¶ãñ ÌããÊãã Öõý ‚ãã¹ã‡ãŠã ºãö‡ãŠ ƒÔãñ †‡ãŠ ‚ãÌãÔãÀ ‚ããõÀ Þãì¶ããõ¦ããè ‡ãñŠ ¹ã
½ãò ªñŒã¦ãã Öõý ½ãö ‚ãã¹ã‡ãŠãñ ‚ããÍÌãԦ㠇ãŠÀ¶ãã ÞããÖ¦ãã Öîâù ãä‡ãŠ ‚ãã¹ã‡ãŠã ºãö‡ãŠ ƒÔã ‚ãÌãÔãÀ ‡ãŠã Êãã¼ã „Ÿã¶ãñ ‡ãñŠ
ãäÊㆠ¹ãƾããÔã ‡ãŠÀñØãã ‚ããõÀ ¼ããäÌãӾ㠽ãò ãäÌã‡ãŠãÔã ‡ãŠã †‡ãŠ ¶ã¾ãã ãäÔãÊããäÔãÊãã Íãì ‡ãŠÀñØããý

ÖããäªÃ‡ãŠ Íãì¼ã‡ãŠã½ã¶ãã‚ããò ‡ãñŠ Ôãã©ã,

‚ãã¹ã‡ãŠã,

(‚ããñ½ã ¹ãƇãŠãÍã ¼ã›á›)

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world. This will help your Bank to maintain its marketing thrust,
extend efficient customer service and reduce the age profile of
its staff.

I am happy to announce that the Board of Directors of your Bank

declared a dividend of 290% for the year ended 31st March 2009.

It is but natural that the efforts and initiatives undertaken by your

Bank are recognized by Society. Your Bank was the proud recipient
of many recognitions/awards during the year, the notable among them
being “Bank of the Year 2008 – India” – by the Banker Magazine,
“Most Admired Infrastructure Financier” Award by KPMG, “Top Public
Sector Bank under SME Financing” by Dun and Bradstreet and “Best
Executive” Award to the Chairman by Asia Money. Your Bank also
improved its ranking in “Fortune” 500 Global List, “Forbes” list of
2000 largest companies in the world, “Banker” list of top 1000 world
banks, Brand Finance – Global 500 Financial Brand recognition, to
name a few.

Today, India remains among the fastest growing countries of the world
and is poised to play a greater role in the global economy in the
year to come. Your Bank sees this as an opportunity and a challenge.
I wish to assure you that your Bank will try to capitalize on this
and blaze a new trail of growth in future.

With warm regards,

Yours sincerely,

(OM PRAKASH BHATT)

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 ãä¶ãªñÍã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã
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ŸãñÔã ãäÌããä¶ã¾ã½ã¶ã ̾ãÌãÔ©ãã, ãäÌãÌãñ‡ãŠ¹ãî¥ãà ãäÌ㦦ããè¾ã ¹ã¾ãÃÌãñàã¥ã ‚ããõÀ
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Öõ; ¼ããÀ¦ã ãäÌãÍÌã ‡ãñŠ ÔãÌããÃãä£ã‡ãŠ ¦ãñ•ã Øããä¦ã Ôãñ ºãü¤ ÀÖñ ªñÍããò ½ãò ‚ãØãÆ¥ããè
ºã¶ãã ÀÖñØããý ÌãÓãà ‡ãŠãè ¹ãÖÊããè œ½ããÖãè ½ãò ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè „úŠÞããè ªÀ ‚ããõÀ
‡ãŠÞÞãñ ¦ãñÊã ‡ãŠãè Ü㛦ããè-ºãü¤¦ããè ‡ãŠãè½ã¦ãò ãäÞãâ¦ãã ‡ãŠã ¹ãƽãìŒã ‡ãŠãÀ¥ã ÀÖãé ãä‡ã⊦ãì
ªîÔãÀãè œ½ããÖãè ½ãò ãä¶ãÀâ¦ãÀ ãäÌã‡ãŠãÔã ‚ããõÀ ãäÔ©ãÀ¦ãã ºã¶ãㆠÀŒã¶ãñ ¹ãÀ •ããñÀ
ã䪾ãã Øã¾ããý
•ããè¡ãè¹ããè Ìãðãä®-ªÀ ÌãÓãà 2007-08 ‡ãñŠ 9.0% ‡ãñŠ Ô¦ãÀ Ôãñ Ü㛇ãŠÀ
ÌãÓãà 2008-09 ½ãò 6.5% Ôãñ 6.7% ‡ãñŠ ºããèÞã ÀÖ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã
Öõý ÌãÓãà 2008-09 ½ãò ‡ãðŠãäÓã ‚ããõÀ „ÔãÔãñ •ãìü¡ñ àãñ¨ããò ‡ãŠãè Ìãðãä®-
ªÀ ‡ãñŠ ÊãØã¼ãØã 2.6% ‡ãŠãè ªÀ Ôãñ ºãü¤¶ãñ ‡ãŠãè „½½ããèª Öõ, •ããñ ÌãÓãÃ
2000-01 Ôãñ 2007-08 ‡ãŠãè ‚ããõÔã¦ã Ìãðãä®-ªÀ 2.9% ‡ãŠãè ¦ãìÊã¶ãã
½ãò ½ãã½ãîÊããè Ôããè ‡ãŠ½ã Öõý ƒÔ㠇㊽ããè ‡ãŠã ½ã쌾㠇ãŠãÀ¥ã Œãã²ãã¸ã „¦¹ã㪶ã
½ãò ãäØãÀãÌã› Öõý
‚ããõ²ããñãØä ã‡ãŠ „¦¹ã㪶㠹ãÀ ãäÌããä¶ã½ããÃ¥ã àãñ¨ã ‡ãŠãè £ããè½ããè Øããä¦ã ‡ãŠã ¹ãƼããÌã ã䪌ããƒÃ
ã䪾ããý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‚ããõ²ããñãØä ã‡ãŠ „¦¹ã㪶ã ÔãîÞã‡ãŠãâ‡ãŠ 2.4%
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ÖãÊããâã‡ä ㊠ã䛇ãŠã… „¹ã¼ããñ‡ã‹¦ãã ÌãÔ¦ãì‚ããò ‡ãñŠ „¦¹ã㪶㠽ãò Ôãì£ããÀ ‡ãñŠ ‡ãŠãÀ¥ã
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‡ãìŠÊã „¦¹ã㪶㠽ãò 4.4% ‡ãŠãè Ìãðã® ä ÖìƒÃ •ãºããä‡ãŠ
ÌãÓãà 2007-08 ½ãò 1.0% ‡ãŠãè ‡ãŠ½ããè ‚ããƒÃ ©ããèý ƒÔã‡ãñŠ ºããÌã•ãîª Œã¹ã¦ã
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„²ããñØã ‚ããõÀ ‡ãðŠãäÓã àãñ¨ã ‡ãñŠ £ããè½ãã Öãñ¶ãñ ‡ãŠãè ÌãÓãà 2008-09 (‚ã¹ãÆõÊã-
ãäªÔãâºãÀ) ½ãò ÔãñÌãã àãñ¨ã ‡ãŠãè 9.7% ‡ãŠãè Ôãâ¦ãìãäÊã¦ã Ìãðãä®-ªÀ Ôãñ ‡ã슜
¼ãÀ¹ããƒÃ ÖìƒÃý Ôãã½ãìªããä¾ã‡ãŠ, Ôãã½ãããä•ã‡ãŠ ‚ããõÀ Ìãõ¾ããä‡ã‹¦ã‡ãŠ ÔãñÌãã‚ããò ‡ãŠãè
ÌãÓãà 2008-09 (‚ã¹ãÆõÊã-ãäªÔãâºãÀ) ½ãò Ìãðãä®-ªÀ 11.2% ‡ãñŠ „ÞÞã Ô¦ãÀ
¹ãÀ ÀÖãè •ãºããä‡ãŠ ÌãÓãà 2007-08 (‚ã¹ãÆõÊã-ãäªÔãâºãÀ) ½ãò ¾ãÖ 5.7%
ÀÖãè ©ããèý Ìã¦ãýãã¶ã £ããè½ããè Øããä¦ã ‡ãñŠ ¹ãƼããÌã ‡ãŠãñ ‡ãŠ½ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÔãÀ‡ãŠãÀ
´ãÀã ãäÌ㦦ããè¾ã ¹ãÆãñ¦ÔããÖ¶ããò ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè ØãƒÃý ƒ¶ã½ãò ‚ã¹ãƦ¾ãàã ‡ãŠÀãò
½ãò ãäÀ¾ãã¾ã¦ãò ªñ¶ãñ, ÔãÀ‡ãŠãÀãè ŒãÞãà ½ãò Ìãðãä® ‡ãŠÀ¶ãñ ‚ããõÀ ãä¶ã¾ããæããò ‡ãñŠ ãäÊã†
ÔãÖã¾ã¦ãã ªñ¶ãñ ‡ãñŠ Ôãã©ã-Ôãã©ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ½ããõã䳇㊠¶ããèãä¦ã
‡ãñŠ ‚ãâ¦ãØãæ㠂ã¶ãñ‡ãŠ ¹ãƇãŠãÀ ‡ãŠãè ÔãìãäÌã£ãã†âù ¼ããè ªãè ØãƒÄý
©ããñ‡ãŠ ½ãîʾã ÔãîÞã‡ãŠãâ‡ãŠ ‚ãã£ãããäÀ¦ã ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè ªÀ ½ããÞãà 2008 ‡ãñŠ
‚ãâ¦ã ½ãò 7.7% ©ããè, •ããñ 2 ‚ãØãÔ¦ã 2008 ‡ãŠãñ 12.9% ‡ãñŠ „ÞÞã
Ô¦ãÀ ¹ãÀ ¹ãÖìúÞã ØãƒÃý †ñÔãã ‡ãŠÞÞãñ ¦ãñÊã ‚ããõÀ ¹ã¥¾ããò ‡ãñŠ Ôãã©ã Ôãã©ã ãäÌããä¶ããä½ãæã
„¦¹ããªãò ¦ã©ãã ½ãîÊã¼ãî¦ã ÌãÔ¦ãì‚ããò ‡ãŠãè ‚ãâ¦ãÀãÃÓ›Èãè¾ã Ô¦ãÀ ¹ãÀ …úÞããè ‡ãŠãè½ã¦ããò
‡ãñŠ ‡ãŠãÀ¥ã Öì‚ããý •ãî¶ã ‚ããõÀ ‚ã‡ã‹¦ãîºãÀ 2008 ‡ãñŠ ªãõÀã¶ã 10-12%
‡ãñŠ ºããèÞã ºã¶ãñ ÀÖ¶ãñ ‡ãñŠ ºã㪠¶ãÌãâºãÀ 2008 Ôãñ ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠ½ã Öãñ¦ãñ
Öãñ¦ãñ 28 ½ããÞãà 2009 ‡ãŠãñ 0.26% ‡ãñŠ Ô¦ãÀ ¹ãÀ ‚ãã ØãƒÃý †ñÔãã ½ã쌾ã¦ã¾ãã
‡ãŠÞÞãñ ¦ãñÊã, £ãã¦ãì‚ããò ‚ããõÀ ãäÌããä¶ããä½ãæã ÌãÔ¦ãì‚ããò ‡ãŠãè ‡ãŠãè½ã¦ããò ½ãò ãäØãÀãÌã›
‚ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Öì‚ããý
ãäÌãÍÌã Ô¦ãÀ ¹ãÀ ‚ãããä©ãÇ㊠ãäÌã‡ãŠãÔã ‡ãŠãè ªÀ ‡ãŠ½ã Öãñ¶ãñ Ôãñ ¼ããÀ¦ããè¾ã
Ôãã½ãã¶ã ‚ããõÀ ÔãñÌãã‚ããò ‡ãŠãè ãäÌãªñÍã ½ãò ½ããâØ㠇㊽ã ÖìƒÃ, ãä•ãÔãÔãñ ãäÌãªñÍããè
½ãì³ã ¼ãâ¡ãÀ ½ãò ‡ãŠ½ããè ‚ããƒÃ ‚ããõÀ ¹ãƽãìŒã ½ãì³ã‚ããò ‡ãŠãè ¦ãìÊã¶ãã ½ãò Á¹ã¾ãñ
‡ãŠã ½ãîʾ㠇㊽ã Öì‚ããý ãä¶ã¾ããæããò ½ãò ‡ãŠ½ããè ‚ã‡ã‹¦ãîºãÀ 2008 Ôãñ ÍãìÂ
ÖìƒÃ ‚ããõÀ ¦ãºã Ôãñ ÖÀ ½ãÖãè¶ãñ ãä¶ã¾ããæ㠇ãŠãè Ìãðãä®-ªÀ ¶ã‡ãŠãÀ㦽ã‡ãŠ ºã¶ããè
ÖìƒÃ Öõ ‚ããõÀ ÔãºãÔãñ ºãü¡ãè 33.3% ‡ãŠãè ãäØãÀãÌã› ½ããÞãà 2009 ½ãò
ªñŒããè ØãƒÃý ƒÔããè ‡ãŠãÀ¥ã ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ãä¶ã¾ããæããò ‡ãŠãè
Ìãðãä®-ªÀ ÌãÓãà 2007-08 ‡ãñŠ 28.9% ‡ãñŠ Ô¦ãÀ Ôãñ ãäØãÀ‡ãŠÀ 3.4%
¹ãÀ ‚ãã ØãƒÃý ‚ãã¾ãã¦ããò ½ãò ¼ããè ÌãÓãà 2008-09 ½ãò Ìãðãä®-ªÀ 14.3%
ª•ãà ‡ãŠãè ØãƒÃ, •ããñ ÌãÓãà 2007-08 ‡ãŠãè 35.4% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‡ãŠã¹ãŠãè
‡ãŠ½ã Öõý †ñÔãã ‡ãŠÞÞãñ ¦ãñÊã ‡ãŠãè ‡ãŠãè½ã¦ããò ‡ãñŠ ‚ãâ¦ãÀãÃÓ›Èãè¾ã Ô¦ãÀ ¹ãÀ ¦ãñ•ããè
Ôãñ ãäØãÀ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Öì‚ããý ÌãõãäÍÌã‡ãŠ ãäÌ㦦㠺ãã•ããÀãò ½ãò ̾ã㹦㠕ããñãäŒã½ã
‡ãñŠ ÞãÊã¦ãñ „¶ãÔãñ ãäÌã½ãìŒã¦ãã ‡ãñŠ ‡ãŠãÀ¥ã ¼ããÀ¦ã ½ãò ¹ãîâ•ããè ‡ãŠãè ‚ããÌã‡ãŠ
¹ãÀ ¼ããè ¦ãñ•ããè Ôãñ ãäÌã¹ãÀãè¦ã ‚ãÔãÀ Öì‚ããý ƒÔã ‡ãŠãÀ¥ã ãäÌãªñÍããè ÔãâÔ©ããØã¦ã
ãä¶ãÌãñÍã‡ãŠãò ´ãÀã ÌãÓãà 2008-09 ½ãò ¼ããÀ¦ã Ôãñ ÊãØã¼ãØã 15.0 ãäºããäÊã¾ã¶ã
 Directors’ Report
Management Discussion and Analysis
Economic Backdrop and Banking Environment
The Indian economy, which is one of the fastest
growing economies in the world, is poised to
maintain its leading position, despite the global
financial crisis and economic slowdown. India has
managed to beat the global financial turmoil due
to sound regulation, prudent financial supervision
and proactive policies.
India's growth is driven predominantly by domestic
consumption and investment and the Indian banking
system has no direct exposure to the US sub-prime
mortgage assets or to the failed institutions. Thus,
as also projected by the IMF, India will remain
among the fastest growing economies in the world.
In the first half of the year, high inflation and
spiralling crude oil prices were the major concerns,
but the focus in the second half shifted to sustaining
growth and maintaining stability.
Real GDP growth is expected to moderate from
9.0% in 2007-08 to 6.5% - 6.7% in 2008-09.
Agriculture and allied sectors are likely to grow
by around 2.6% in 2008-09, which is only
marginally lower than the average growth of 2.9%
during 2000-01 to 2007-08, mainly due to stagnant
foodgrains production.
Industrial production was marked by a slowdown
in the manufacturing sector. During 2008-09 the
Index of Industrial Production decelerated to 2.4%
against 8.5% in 2007-08. The deceleration in
capital goods reflects the slowdown in industry.
The rebound in consumer durables during 2008-
09 at 4.4% against decline of 1.0% in 2007-08,
however, reflects a measured pick up in
consumption and investment.
The slowdown in industry and agriculture was
partially offset by a reasonable 9.7% growth in
services sector in 2008-09 (April-Dec) with
23
C23 K23
community, social and personal services showing
a higher growth of 11.2% in 2008-09 (April-Dec)
than the 5.7% growth posted in 2007-08 (April-
Dec). To mitigate the impact of the current
slowdown, Government launched three fiscal
stimulus packages in the form of cut in indirect
taxes, higher Government spending and support
for exports, along with easing of monetary
policy by RBI.
Inflation based on WPI rose from 7.7% at end-
March 2008 to a high of 12.9% on 2nd August
2008, reflecting high international crude oil and
commodity prices coupled with increase in price
of manufactured products and primary articles.
After remaining in the range of 10-12% between
June and October 2008, inflation began to ease
from November 2008 onwards to touch 0.26% by
28th March 2009, mainly reflecting the decline in
prices of crude oil, metals, minerals and
manufactured goods.
The deceleration in economic growth globally was
reflected in weakness in external demand for goods
and services, besides decline in forex reserves and
depreciation of the rupee against major currencies.
The fall in exports began in October 2008 and every
month since then, export growth has been negative
with the biggest decline of 33.3% in March 2009.
Consequently, growth in exports during 2008-09
was lower at 3.4% than 28.9% in 2007-08. Imports
also registered a lower growth of 14.3% in 2008-
09 as against 35.4% in 2007-08, mainly due to fall
in international crude oil prices. The risk aversion
in the global financial markets resulted in a sharp
reversal in capital inflows into India, with net
outflow by foreign institutional investors (FIIs) of
around US$15.0bn in 2008-09 compared with an
inflow of US$20.3bn in 2007-08. As a result of
decline in exports and capital outflows from the
domestic stock market, forex reserves fell by
US$57.70 bn YoY to US$252.00 bn as at end-
¾ãî †Ôã ¡ãùÊãÀ ‡ãŠãè ãä¶ãÌãÊã ¹ãîâ•ããè ãä¶ã‡ãŠãÊã Êããè ØãƒÃ, •ãºããä‡ãŠ ƒÔã‡ãŠãè
¦ãìÊã¶ãã ½ãò ÌãÓãà 2007-08 ½ãò 20.3 ãäºããäÊã¾ã¶ã ¾ãî †Ôã ¡ãùÊãÀ ‡ãŠãè
¹ãîâ•ããè ¼ããÀ¦ã ½ãò ‚ããƒÃ ©ããèý ãä¶ã¾ããæããò ½ãò ‡ãŠ½ããè ‚ãã¶ãñ ‚ããõÀ ªñÍã ‡ãñŠ Íãñ¾ãÀ
ºãã•ããÀãò Ôãñ ¹ãîâ•ããè ‡ãñŠ ºããÖÀ •ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ãäÌãªñÍããè ½ãì³ã ¼ãâ¡ãÀ
½ãò ÌãÓããöãìÌãÓãà 57.70 ãäºããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ ‡ãŠãè ãäØãÀãÌã› ‡ãñŠ
Ôãã©ã ¾ãÖ ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ½ãò 252.00 ãäºããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè
¡ãùÊãÀ ‡ãñŠ Ô¦ãÀ ¹ãÀ ‚ãã Øã¾ããý ÌãÓãà 2009 ‡ãñŠ ‚ãâ¦ã ½ãò Á¹ã¾ãñ ‡ãŠã
½ãîʾ㠇㊽ã Öãñ‡ãŠÀ Á. 50.95 ¹ãÆãä¦ã ¡ãÊãÀ ‡ãñŠ Ô¦ãÀ ¹ãÀ ‚ãã Øã¾ãã
•ãºããä‡ãŠ ½ããÞãà 2008 ‡ãñŠ ‚ãâ¦ã ½ãò ¾ãÖ Á.39.99 ¹ãÆãä¦ã ¡ãùÊãÀ ‡ãñŠ
Ô¦ãÀ ¹ãÀ ©ããý
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè ½ãì³ã ‚ããõÀ ¨ãɥ㠶ããèãä¦ã ½ãì³ãÔ¹ãŠãèãä¦ã
ãä¶ã¾ãâ¨ã¥ã, ãäÌ㦦㠺ãã•ããÀ Ô©ãããä¾ã¦Ìã ºã¶ãㆠÀŒã¶ãñ, ãäÌ㦦ã ̾ãÌãÔ©ãã ½ãò ¹ã¾ããù¦ã
ÞãÊããä¶ããä£ã Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãñ ¹ãÀ ‡ãòŠã䳦ã ÀÖãè ¦ãããä‡ãŠ ¨ãɥ㠇ãŠãè ½ããâØã ‡ãŠãè
¹ãîãä¦ãà ‚ããõÀ ƒÔã ¹ãÀ Ìã¦ãýãã¶ã ÌãõãäÍÌã‡ãŠ Ôãâ‡ãŠ› ‡ãñŠ ¹ãƼããÌã ‡ãŠãñ Ôããèãä½ã¦ã ÀŒãã
•ãã Ôã‡ãñŠý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã 6% ºãö‡ãŠ ªÀ ½ãò ‡ãŠãñƒÃ ¹ããäÀÌã¦ãöã
¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã, •ãºããä‡ãŠ ãäÀÌãÔãà Àñ¹ããñ ãäÌãÍãñÓã‡ãŠÀ Àñ¹ããñ ªÀ ‚ããõÀ Ôããè‚ããÀ‚ããÀ
½ãò ‚ã¶ãñ‡ãŠ ‚ãÌãÔãÀãò ¹ãÀ ¹ããäÀÌã¦ãöã ãä‡ãŠ¾ãã Øã¾ããý •ãºã ¹ã¥¾ããò ‚ããõÀ ¦ãñÊã
‡ãŠãè ‡ãŠãè½ã¦ããò ½ãò ‚ãâ¦ãÀãÃÓ›Èãè¾ã Ô¦ãÀ ¹ãÀ Ìãðãä® ‡ãñŠ ‡ãŠãÀ¥ã ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè
ªÀ ½ãò ºãü¤ãñ¦ãÀãè Íãì ÖìƒÃ ¦ããñ Àñ¹ããñ ªÀ ‡ãŠãñ ‚ã¹ãÆõÊã 2008 ‡ãñŠ 7.75%
‡ãñŠ Ô¦ãÀ Ôãñ ºãü¤ã‡ãŠÀ •ãìÊããƒÃ 2008 ½ãò 9% ‚ããõÀ Ôããè‚ããÀ‚ããÀ ‡ãŠãñ ½ããÞãÃ
2008 ‡ãñŠ 7.50% ‡ãñŠ Ô¦ãÀ Ôãñ ºãü¤ã‡ãŠÀ ‚ãØãÔ¦ã 2008 ½ãò 9% ãä‡ãŠ¾ãã
Øã¾ããý ºã㪠½ãò •ãºã Ìãðãä®-ªÀ ©ã½ã ØãƒÃ ‚ããõÀ ‡ãŠÞÞãñ ¦ãñÊã ‚ããõÀ ¹ã¥¾ããò
‡ãŠãè ‡ãŠãè½ã¦ããò ½ãò ‡ãŠ½ããè Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè ªÀ ãäØãÀ¶ããè ÍãìÂ
ÖìƒÃ ¦ããñ ‚ã‡ã‹¦ãîºãÀ 2008 ‚ããõÀ ½ããÞãà 2009 ‡ãñŠ ºããèÞã Àñ¹ããñ ªÀ 5 ºããÀ
‡ãŠ›ãõ¦ããè ‡ãŠÀ‡ãñŠ 5% ¹ãÀ ãäÀÌãÔãà Àñ¹ããñ ªÀ 3 ºããÀ ‡ãŠ›ãõ¦ããè ‡ãŠÀ‡ãñŠ 3.50%
¹ãÀ ‚ããõÀ Ôããè‚ããÀ‚ããÀ 4 ºããÀ ‡ãŠ›ãõ¦ããè ‡ãŠÀ‡ãñŠ 5.0% ¹ãÀ ÊããƒÃ ØãƒÃý
ºãö‡ãŠãò ‡ãŠãè •ã½ãã ‚ããõÀ „£ããÀ ªÀò ‡ãŠ½ããñºãñÍã ½ãì³ã ‚ããõÀ ¨ãɥ㠶ããèã¦ä ã ½ãò ÜããñãÓä ã¦ã
¹ãƽãìŒã ªÀãò ‡ãñŠ ‚ã¶ãì¹ã Ü㛦ããè-ºãü¤¦ããè ÀÖãéý º¾ãã•ã ªÀãò ½ãò ÌãÓãà 2008-
09 ‡ãñŠ ªãõÀã¶ã ¹ãÆãÀâ¼ã ½ãò ‚ã‡ã‹¦ãîºãÀ 2008 ¦ã‡ãŠ Ìãðã® ä ÖìƒÃ ‚ããõÀ ºã㪠½ãò
¶ãÌãâºãÀ 2008 ‡ãñŠ ¹ãÍÞãã¦ã ‡ãŠ½ããè ‚ãã¶ããè Íãì Öìƒýà ¹ãî•â ããè ‡ãñŠ ºããÖÀ •ãã¶ãñ
‚ããõÀ ‚ãããä©ãÇ㊠Øããä¦ããäÌããä£ã¾ããò ‡ãñŠ £ããè½ããè Öãñ¶ãñ ‡ãŠã ¾ãÖ ¹ãƼããÌã Öì‚ãã ãä‡ãŠ ÌãÓãÃ
‡ãŠãè ªîÔãÀãè œ½ããÖãè ½ãò ãäÌ㦦ã ̾ãÌãÔ©ãã ½ãò Ô©ãîÊã ½ãì³ã (†½ã 3) ‡ãŠãè Ìãðã® ä -
ªÀ ½ãã½ãîÊããè Ôããè ‡ãŠ½ã ÀÖãè ‚ããõÀ Ôã¼ããè ‚ã¶ãìÔãîãÞä ã¦ã Ìãããä¥ãã䕾ã‡ãŠ ºãö‡ãŠãò ‡ãñŠ
̾ãÌãÔãã¾ã ½ãò ©ããñ¡ü ãè ‡ãŠ½ããè ‚ããƒÃý ¦ã©ãããä¹ã Ô©ãîÊã ½ãì³ã (†½ã 3) †‡ãŠ ÌãÓãÃ
¹ãÖÊãñ 21.1% ©ããè •ããñ 2008-09 ½ãò ©ããñ¡ü ãè ‡ãŠ½ã Öãñ‡ãŠÀ 18.6% ‡ãñŠ
Ô¦ãÀ ¹ãÀ ‚ãã ØãƒÃý Ôã¼ããè ‚ã¶ãìÔãîãÞä ã¦ã Ìãããä¥ãã䕾ã‡ãŠ ºãö‡ãŠãò ‡ãŠãè •ã½ãã ‚ããõÀ ¨ãÉ¥ã
24
C24 K24
Ìãðã®
ä -ªÀ ÌãÓãà 2007-08 ‡ãñŠ ‰ãŠ½ãÍã: 22.4% ‚ããõÀ 22.3% ‡ãñŠ Ô¦ãÀ
Ôãñ ‡ãŠ½ã Öãñ‡ãŠÀ 19.8% ‚ããõÀ 17.3% ¹ãÀ ‚ãã ØãƒÃý
‚ããØãã½ããè ÌãÓãà ½ãò ¼ããè ‚ããä¶ããäÍÞã¦ã¦ãã ‡ãŠãè ãäÔ©ããä¦ã ºã¶ããè ÀÖñØããè ‡ã‹¾ããòãä‡ãŠ
ÌãõãäÍÌã‡ãŠ Ôãâ‡ãŠ› ‡ãŠã ¹ãƼããÌã ‚ã¶ãì½ãã¶ã Ôãñ ‡ãŠÖãé ‚ããä£ã‡ãŠ ØãÖÀã †Ìãâ
̾ãã¹ã‡ãŠ Öãñ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý ãä¹ãŠÀ ¼ããè, †‡ãŠ ãäÔ©ãÀ ºãöãä‡ãâŠØã ‚ããõÀ
ãäÌ㦦ã àãñ¨ã, ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè ãäØãÀ¦ããè ªÀ ‚ããõÀ ÍããèÜãƦãã Ôãñ ãä‡ãŠ†
ØㆠÔã½ããä¶Ìã¦ã ¶ããèãä¦ãØã¦ã „¹ãã¾ããò ‡ãŠãè ÔãÖã¾ã¦ãã Ôãñ ¼ããÀ¦ã ƒÔã Ôãâ‡ãŠ›
‡ãŠã Ôãã½ã¶ãã ‡ãŠÀ¶ãñ ½ãò Ôã¹ãŠÊã ÀÖãý „¦ÔããÖÌã£ãÇ㊠ºãã¦ã ¾ãÖ Öõ ãä‡ãŠ
ªñÍã ½ãò ãäÌãÍãñÓã‡ãŠÀ ØãÆã½ããè¥ã àãñ¨ããò ½ãò ½ããâØã ºãü¤¶ãñ Ôãñ ‚ããõÀ ÔãÀ‡ãŠãÀ
´ãÀã ãä¶ãÌãñÍã Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ ºãü¤ã‡ãŠÀ ‚ã©ãÃ̾ãÌãÔ©ãã ½ãò ¾ããñØãªã¶ã
‡ãŠÀ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã ‡ãŠãñ ªñŒã¦ãñ Öì† ¼ããÀ¦ã ‡ãñŠ ãäÌãÍÌã ‡ãŠãè ÔãÌããÃãä£ã‡ãŠ
¦ããèÌãÆ Øããä¦ã Ôãñ ºãü¤¶ãñ ÌããÊããè ‚ã©ãÃ̾ãÌãÔ©ãã‚ããò ½ãò ªîÔãÀñ Ô©ãã¶ã ¹ãÀ
ÀÖ¶ãñ ‡ãŠãè „½½ããèª Öõý
ãäÌ㦦ããè¾ã ãä¶ãÓ¹ã㪶ã
Ëã¼ã
ÌãÓãà 2007-08 ‡ãñŠ Á. 13,107.55 ‡ãŠÀãñü¡ ‡ãŠãè ¦ãìÊã¶ãã ½ãñâ ÌãÓãà 2008-09
‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãŠã ¹ããäÀÞããÊã¶ã Êãã¼ã Á. 17,915.23 ‡ãŠÀãñü¡ ÀÖã ‚ããõÀ ƒÔã
¹ãƇãŠãÀ ƒÔã½ãò 36.68% ‡ãŠãè Ìãðãä® ÖìƒÃý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã
ºãö‡ãŠ ‡ãŠã ãä¶ãÌãÊã Êãã¼ã 35.55% ‡ãŠãè ªÀ Ôãñ ºãü¤‡ãŠÀ ÌãÓãà 2007-08 ‡ãñŠ
Á. 6,729.12 ‡ãŠÀãñ¡ü ‡ãŠãè ¦ãìÊã¶ãã ½ãò Á. 9,121.23 ‡ãŠÀãñ¡ü Öãñ Øã¾ããý
ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã ½ãò 22.63% ‡ãŠãè Ìãðã®
ä ÖìƒÃ ‚ããõÀ ‚㶾㠂ãã¾ã ½ãò 45.96%
‡ãŠãè Ìãðã®
ä Öìƒýà „ÞÞã¦ãÀ Ô›ã¹ãŠ ÊããØã¦ã ‚ããõÀ ‚㶾㠄¹ããäÀ ̾ã¾ããò ‡ãñŠ ‡ãŠãÀ¥ã
¹ããäÀÞããÊã¶ã ̾ã¾ããò ½ãò 24.11% ‡ãŠãè ºãü¤ãñ¦ãÀãè ÖìƒýÃ
Ëã¼ããâÍã
ºãö‡ãŠ ¶ãñ Êãã¼ããâÍã ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ Á. 21.50 ¹ãÆãä¦ã Íãñ¾ãÀ (215%) Ôãñ
ºãü¤ã‡ãŠÀ Á. 29.00 ¹ãÆãä¦ã Íãñ¾ãÀ (290%) ‡ãŠÀ ã䪾ããý
ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã
ºãö‡ãŠ ‡ãŠãè ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã ½ãò 22.63% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãÖ
2007-08 ‡ãñŠ Á. 17,021.23 ‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ ÌãÓãà 2008-09 ½ãò
20,873.14 ‡ãŠÀãñü¡ Öãñ ØãƒÃý ¾ãÖ ‚ããäØãƽããò ¹ãÀ º¾ãã•ã-‚ãã¾ã ½ãò Ìãðãä® ‡ãŠã
¹ããäÀ¥ãã½ã ©ããý
ÌãõãäÍÌã‡ãŠ ¹ããäÀÞããÊã¶ããò Ôãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ôã‡ãŠÊã º¾ãã•ã ‚ãã¾ã Á. 48,950.31
‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ Á. 63,789.43 ‡ãŠÀãñü¡ Öãñ ØãƒÃý †ñÔãã ½ã쌾ã¦ã¾ãã ‚ããäØãƽããò
Ôãñ „ÞÞã º¾ãã•ã ‚ãã¾ã Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Öì‚ããý
March 2009. The Rupee depreciated to Rs.50.95 per
dollar at end-March 2009 from Rs.39.99 per dollar
at end-March 2008.
The focus of RBI's monetary and credit policy
during the year was to control inflation, support
growth, maintain financial market stability, ensure
comfortable liquidity in the system to meet the
required credit demand and limit the contagion
from the ongoing global turmoil. During 2008-09,
while the Bank Rate was kept unchanged at 6%,
Reverse Repo and more particularly the Repo rate
and CRR were changed on a number of occasions.
When inflation started rising due to increase in
international commodity and oil prices, the Repo
rate was hiked from 7.75% in April 2008 to a high
of 9% in July 2008 and CRR was hiked from 7.50%
in March 2008 to 9% in August 2008. Subsequently,
when growth stalled and inflation started coming
down due to drop in crude oil and commodity
prices, the Repo rate was cut five times to 5%, the
Reverse Repo rate was reduced three times to
3.50% and CRR was cut four times to 5.0%,
between October 2008 and March 2009.
Deposit and lending rates of banks also moved
more or less in tandem with key policy rates as
interest rates initially firmed up during 2008-09 up
to October 2008, and subsequently started declining
after November 2008. The capital outflows and
slowdown in economic activity, particularly in the
second half of the year, impacted money supply
growth in the system (M3) and saw moderation in
the business of all scheduled commercial banks
(ASCB). While growth in money supply (M3)
moderated to 18.6% in 2008-09 from 21.1% a year
ago, deposit and credit growth of ASCB moderated
to 19.8% and 17.3% respectively in 2008-09 from
22.4% and 22.3% in 2007-08.
The coming year will continue to be marked with
uncertainty as the impact of the global crisis has
been deeper and wider than earlier anticipated.
However, a stable banking and financial sector,
falling inflation and prompt co-ordinated policy
25
C25 K25
action have helped India weather the crisis. On the
upside, domestic demand especially from rural
areas, and Government investment activity in the
economy will help keep up the growth momentum,
making India the second fastest growing economy
in the world.
Financial Performance
Profit
The Operating Profit of the Bank for 2008-09 stood
at Rs. 17,915.23 crores as compared to Rs. 13,107.55
crores in 2007-08 registering a growth of 36.68%.
The Bank has posted a Net Profit of Rs. 9,121.23
crores for 2008-09 as compared to Rs. 6,729.12
crores in 2007-08 registering a growth of 35.55%.
While Net Interest Income recorded a growth of
22.63% and Other Income increased by 45.96%,
Operating Expenses increased by 24.11% attributable
to higher staff cost and other overhead expenses.
Dividend
The Bank has increased dividend to Rs. 29.00 per
share (290%) from Rs. 21.50 per share (215%) in
the last year.
Net Interest Income
The Net Interest Income of the Bank registered a
growth of 22.63% from Rs. 17,021.23 crores in
2007-08 to Rs. 20,873.14 crores in 2008-09. This
was due to growth in interest income on advances.
The gross interest income from global operations
rose from Rs. 48,950.31 crores to Rs. 63,788.43
crores during the year. This was mainly due to
higher interest income on advances.
Interest income on advances in India registered an
increase from Rs. 32,162.68 crores in 2007-08 to
Rs. 42,989.36 crores in 2008-09 due to higher
volumes. Also average yield on advances in India
increased from 9.90% in 2007-08 to 10.15% in
2008-09. Interest income on advances at foreign
offices also increased due to higher volumes.
‚ããäØãƽããò ½ãò Ìãðãä® Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ¼ããÀ¦ã ½ãò ‚ããäØãƽããò ¹ãÀ º¾ãã•ã ‚ãã¾ã ÌãÓãà ¹ããäÀÞããÊã¶ã ̾ã¾ã
2008-09 ‡ãñŠ ªãõÀã¶ã ºãü¤‡ãŠÀ Á. 42,989.36 ‡ãŠÀãñü¡ Öãñ ØãƒÃ •ãºããä‡ãŠ ÌãÓãÃ
¹ãòÍã¶ã ‡ãñŠ ãäÊㆠ„ÞÞã ¹ãÆãÌã£ãã¶ã ‡ãŠÀ¶ãñ ‚ããõÀ Ô›ã‡ãŠ Ôã⌾ãã ½ãò Ìãðãä® Öãñ¶ãñ
2007-08 ½ãò ¾ãÖ Á. 32,162.68 ‡ãŠÀãñü¡ ©ããè ý ƒÔããè ¦ãÀÖ ¼ããÀ¦ã ½ãò
‡ãñŠ ‡ãŠãÀ¥ã Ô›ã¹ãŠ ÊããØã¦ã ½ãò 25.19% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãÖ ÌãÓãÃ
‚ããäØãƽããò ¹ãÀ ¹ãÆãä¦ãÊãã¼ã ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ºãü¤‡ãŠÀ 10.15% Öãñ Øã¾ãã
2008-09 ½ãò Á. 9,747.31 Öãñ ØãƒÃ •ãºããä‡ãŠ ÌãÓãà 2007-08 ½ãò ¾ãÖ
•ãºããä‡ãŠ ÌãÓãà 2007-08 ½ãò ¾ãÖ 9.90% ©ããý ‚ããäØãƽããò ½ãò Ìãðã® ä Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã
Á. 7,785.87 ‡ãŠÀãñü¡ ©ããèý Ô›ã¹ãŠ ÊããØã¦ã ½ãò Ìãñ¦ã¶ã ÔãâÍããñ£ã¶ã ¹ãÆãÌã£ãã¶ããò
ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ‚ããäØãƽããò ¹ãÀ ¼ããè º¾ãã•ã ‚ãã¾ã ½ãò Ìãðã® ä ÖìƒÃ Öõý
Ôãñ Ôãâºãâãä£ã¦ã Á. 1,414 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã Íãããä½ãÊã Öõ, •ãºããä‡ãŠ ãä¹ãœÊãñ
¼ããÀ¦ã ½ãò Àã•ã‡ãŠãñÓããè¾ã ¹ããäÀÞããÊã¶ã ½ãò ãä¶ã¾ããñãä•ã¦ã ÔãâÔãã£ã¶ããò ‡ãŠãè ‚ãã¾ã ½ãñâ 28.60%
ÌãÓãà ¾ãÖ ¹ãÆãÌã£ãã¶ã ÀããäÍã Á 575 ‡ãŠÀãñü¡ ©ããèý
‡ãŠãè Ìãðãä® ÖìƒÃ ãä•ãÔã‡ãŠã ½ã쌾㠇ãŠãÀ¥ã ÊãØãㆠØㆠ‚ããõÔã¦ã ÔãâÔãã£ã¶ããò ‡ãŠãè ½ãã¨ãã
‚ããä£ã‡ãŠ Öãñ¶ãã ©ããý ‚ããõÔã¦ã ¹ãÆãä¦ã¹ãŠÊã ÌãÓãà 2007-08 ‡ãñŠ 6.92%Ôãñ ºãü¤‡ãŠÀ ‚㶾㠄¹ããäÀ ̾ã¾ããò ½ãò ¼ããè 22.36% ‡ãŠãè Ìãðãä® ÖìƒÃ ãä•ãÔã‡ãŠã ½ã쌾㠇ãŠãÀ¥ã
2008-09 ½ãò 7.10% Öãñ Øã¾ããý ¶ãƒÃ ÍããŒãã‚ããò ‡ãñŠ ŒãìÊã¶ãñ Ôãñ ¼ããü¡ñ, ‡ãŠÀãò ‚ããõÀ ãäºã•ãÊããè ¦ã©ãã ãäÌã—ãã¹ã¶ã ‚ããõÀ
ÌãõãÍä Ìã‡ãŠ ¹ããäÀÞããÊã¶ããò ‡ãŠã ‡ãìŠÊã º¾ãã•ã ̾ã¾ã ÌãÓãà 2007-08 ½ãò Á. 31,929.08 ¹ãÆÞããÀ, ãä¹ãÆâãä›âØã ‚ããõÀ Ô›ñÍã¶ãÀãè, ¡ã‡ãŠ, ›ñÊããè¹ãŠãñ¶ã ‚ããõÀ ãäÌããäÌã£ã ̾ã¾ããò ½ãò
‡ãŠÀãñ¡ü ©ãã, •ããñ ÌãÓãà 2008-09 ½ãò ºãü¤‡ãŠÀ Á. 42,915.29 ‡ãŠÀãñ¡ü Öãñ Øã¾ããý Ìãðãä® Öãñ¶ãã ©ããý
•ã½ãã ÀããäÍã¾ããò ¹ãÀ º¾ãã•ã-̾ã¾ã ½ãò ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ¦ãìÊã¶ãã ½ãò ÌãÓãà 2008-09 ‡ãñŠ
ªãõÀã¶ã 40.74% ‡ãŠãè Ìãðã® ä ÖìƒÃ •ãºããä‡ãŠ •ã½ããÀããäÍã¾ããò ‡ãñŠ ‚ããõÔã¦ã Ô¦ãÀ ½ãò 24.85% ¹ããäÀÞããÊã¶ã ̾ã¾ã ½ãò, ãä•ãÔã½ãò Ô›ã¹ãŠ ÊããØã¦ã ‚ããõÀ ‚㶾㠄¹ããäÀ ̾ã¾ã Íãããä½ãÊã
‡ãŠãè Ìãðã®
ä ÖìƒÃ Öõý ¹ããäÀ¥ãã½ãÔÌã¹㠕ã½ããÀããäÍã¾ããò ‡ãŠãè ‚ããõÔã¦ã ÊããØã¦ã ½ãò ÌãÓãà 2008- Öö, ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ¦ãìÊã¶ãã ½ãò 24.11% ‡ãŠãè Ìãðãä® ª•ãà ÖìƒÃý
09 ‡ãñŠ ªãõÀã¶ã 6.30% ‡ãŠãè Ìãðã® ä ÖìƒÃ •ãºããä‡ãŠ ÌãÓãà 2007-08 ½ãò ƒÔã½ãò 5.59%
‡ãŠãè Ìãðã®ä ÖìƒÃ ©ããèý ¦ã©ãããä¹ã, „ÞÞã ÊããØã¦ã ÌããÊããè ¼ããÀãè •ã½ããÀããäÍã¾ããâ ¹ããäÀ¹ã‡ã‹Ìã Öãñ ¹ãÆãÌã£ãã¶ã ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ¦ãã†â
ÀÖãè Öö ‚ããõÀ •ã½ãã ªÀ ‡ãŠã Ìã¦ãýãã¶ã Ô¦ãÀ ãä¶ã½¶ã ÀÖ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã, ¾ãÖ ‚ã¹ãñàãã ‡ãŠãè
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ãä‡ãŠ† Øㆠ¹ãƽãìŒã ¹ãÆãÌã£ãã¶ã ãä¶ã½¶ãã¶ãìÔããÀ Öö :
•ãã¦ããè Öõ ãä‡ãŠ •ã½ããÀããäÍã¾ããò ‡ãŠãè ‚ããõÔã¦ã ÊããØã¦ã ½ãò ãäØãÀãÌã› ‚ãã†Øããèý
• ãäÌããä¶ã£ãã¶ããò ¹ãÀ ½ãîʾãımg ‡ãñŠ ãäÊㆠÁ. 707.16 ‡ãŠÀãñü¡ ‡ãŠã ¹ãÆãÌã£ãã¶ã
ØãõÀ-º¾ãã•ã ‚ãã¾ã
ãä‡ãŠ¾ãã Øã¾ããý ƒÔã½ãò ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†, Ñãñ¥ããè ‡ãñŠ
ÌãÓãà 2008-09 ½ãò ØãõÀ-º¾ãã•ã ‚ãã¾ã ‡ãŠãè ÀããäÍã Á. 12,690.79 ‡ãŠÀãñü¡ ÀÖãè
¹ãÆãèãä½ã¾ã½ã ‡ãŠã ¹ããäÀÍããñ£ã¶ã Íãããä½ãÊã ¶ãÖãèâ Öõ (2007-08 ½ãò ¹ãÆãä¦ãÊãñŒã¶ã
•ãºããä‡ãŠ ÌãÓãà 2007-08 ½ãò ¾ãÖ Á. 8,694.93 ‡ãŠÀãñü¡ ©ããèý
Á. 88.68 ‡ãŠÀãñü¡ ©ãã)ý
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ¼ããÀ¦ã ‚ããõÀ ãäÌãªñÍã ½ãò ãäÔ©ã¦ã ‚ã¹ã¶ãñ ÔãÖ¾ããñØããè ºãõ‡ãŠãò /
‚ã¶ãìÓãâãäØã¾ããò ‚ããõÀ Ôãâ¾ãì‡ã‹¦ã „²ã½ããò Ôãñ Êãã¼ããâÍã ‡ãñŠ ¹㠽ãò Á. 409.60 ‡ãŠÀãñü¡ • ‡ãŠÀ ¹ãÆãÌã£ãã¶ã ‡ãñŠ ãäÊㆠÁ. 5,971.52 ‡ãŠÀãñü¡ (ÌãÓãà 2007-08 ½ãò
(ãä¹ãœÊãñ ÌãÓãà Á. 197.41 ‡ãŠÀãñü¡) ¹ãÆ㹦ã ãä‡ãŠ†ý Á. 3,823.50 ‡ãŠÀãñü¡ ©ãã)ý

¦ãããäÊã‡ãŠã: 1 ¹ãƽãìŒã ãä¶ãÓ¹ã㪶ã Ôãâ‡ãñŠ¦ã‡ãŠ

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ †Ôã ºããè ‚ãムÔã½ãîÖ
Ôãâ‡ãñŠ¦ã‡ãŠ 2007-08 2008-09 2007-08 2008-09
‚ããõÔã¦ã ‚ãããäÔ¦ã¾ããò ¹ãÀ ‚ãã¾ã (%) 1.01 1.04 0.99 0.94
ƒÃãä‡ã‹Ìã›ãè ¹ãÀ ‚ãã¾ã (%) 17.82 15.73 17.93 16.30
‚ãã¾ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò ̾ã¾ã (%)
(‡ãìŠÊã ãä¶ãÌãÊã ‚ãã¾ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò ¹ããäÀÞããÊã¶ã ̾ã¾ã) 49.03 46.62 56.64 52.65
¹ãÆãä¦ã Íãñ¾ãÀ ½ãîÊã ‚ã•ãöã (Á) 126.62 143.77 168.61 172.68
¹ãÆãä¦ã Íãñ¾ãÀ ¶¾ãî¶ããè‡ãðŠ¦ã ‚ãã¾ã (Á) 126.50 143.77 168.45 172.68
¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã (%) (ºãñÔãÊã I) 13.54 12.97 13.49 12.90
Ñãñ¥ããè I 9.14 8.53 8.95 8.21
Ñãñ¥ããè II 4.40 4.44 4.54 4.69
¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã (%) (ºãñÔãÊã II) – 14.25 – 14.17
Ñãñ¥ããè I – 9.38 – 9.03
Ñãñ¥ããè II – 4.87 – 5.14
ãä¶ãÌãÊã ‚ããäØãƽããò ‡ãŠãè ¦ãìÊã¶ãã ½ãò ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããú 1.78 1.76 1.43 1.49

26

C26 K26
Income from resources deployed in Treasury
operations in India increased by 28.60%
mainly due to higher average resources
deployed. The average yield, which was
6.92 % in 2007-08, has increased to 7.10% in
2008-09.
Total interest expenses of global operations
increased from Rs. 31,929.08 crores in 2007-08
to Rs. 42,915.29 crores in 2008-09. Interest
expenses on deposits during 2008-09 recorded
an increase of 40.74% compared to the
previous year, whereas the average level of
deposits grew by 24.85%. This resulted in an
increase in the average cost of deposits from
5.59% in 2007-08 to 6.30% in 2008-09. However,
as substantial high cost deposits are maturing and
present level of deposit rate being lower, it is
expected that there will be a fall in the average
cost of deposits.
Non-Interest Income
Non-interest income stood at Rs. 12,690.79 crores
in 2008-09 as against Rs. 8,694.93 crores in
2007-08.
During the year, the Bank received an income of
Rs. 409.60 crores (Rs. 197.41 crores in the
previous year) by way of dividends from Associate
Banks/subsidiaries and joint ventures in India
and abroad.
Operating Expenses
There was an increase of 25.19% in the Staff Cost
from Rs. 7,785.87 crores in 2007-08 to Rs. 9,747.31
crores in 2008-09 attributable to higher pension
provisioning and increased staff strength. Staff
Cost included an amount of Rs.1,414 crores towards
wage revision provision as compared to Rs. 575
crores in the previous year.
Other Overhead Expenses have also registered an
increase of 22.36% mainly due to increase in
expenses on rent, taxes and lighting as a result of
opening of new branches, advertising & publicity,
printing & stationary, postage and telephones and
miscellaneous expenditure.
Operating Expenses, comprising both staff cost and
other overhead expenses, have registered an increase
of 24.11% over the previous year.
Provisions and Contingencies
Major amounts of provisions made in 2008-09 were
as under:
• Rs. 707.16 crores towards provision for
depreciation on investments, excluding
amortization of premium on ‘Held to Maturity’
category (as against write back Rs. 88.68 crores
in 2007-08).
• Rs. 5,971.52 crores towards Provision for Tax
(as against Rs. 3,823.50 crores in 2007-08).

Table: 1 Key Performance Indicators

Indicators SBI SBI Group
2007-08 2008-09 2007-08 2008-09
Return on Average Assets (%) 1.01 1.04 0.99 0.94
Return on Equity (%) 17.82 15.73 17.93 16.30
Expenses to Income (%)(Operating
Expenses to Total Net Income) 49.03 46.62 56.64 52.65
Basic Earnings Per Share (Rs.) 126.62 143.77 168.61 172.68
Diluted Earnings Per Share (Rs.) 126.50 143.77 168.45 172.68
Capital Adequacy Ratio (%) (Basel-I) 13.54 12.97 13.49 12.90
Tier I 9.14 8.53 8.95 8.21
Tier II 4.40 4.44 4.54 4.69
Capital Adequacy Ratio (%) (Basel-II) – 14.25 – 14.17
Tier I – 9.38 – 9.03
Tier II – 4.87 – 5.14
Net NPAs to Net Advances 1.78 1.76 1.43 1.49

27

C27 K27
• ‚ã¶ãìÓãâØããè Êãã¼ã ‡ãŠÀ ‡ãñŠ ãäÊㆠÁ. 142.00 ‡ãŠÀãñü¡ (ÌãÓãà 2007-08 ‡ãñŠ ¹ãÖìâÞã ØãƒÄý •ã½ããÀããäÍã¾ããò ½ãò ºãö‡ãŠ ‡ãŠã ºãã•ããÀ ‚ãâÍã ½ããÞãà 2009
ãäÊㆠÁ. 105.00 ‡ãŠÀãñü¡)ý ‡ãŠãñ 17.72% ÀÖãý
• Á. 2,474.96 ‡ãŠÀãñü¡ (Àホ ºãõ‡ãŠ ‡ãŠãñ œãñü¡‡ãŠÀ) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò
ãä¶ãÓ¹ã㪶㠇ãñŠ „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
‡ãñŠ ãäÊㆠ(ÌãÓãà 2007-08 ½ãò Á. 2,000.94 ‡ãŠÀãñü¡)ý
ÌãÓãà 2008-09 ½ãò Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ÔããõÀãÓ›È ‡ãñŠ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ
‚ããÀãäàã¦ã ãä¶ããä£ã¾ããâ †Ìãâ ‚ããä£ãÍãñÓã ½ãò ãäÌãÊã¾ã ‚ããõÀ ãäÌããä¼ã¸ã ̾ãÌãÔãã¾ã Ôã½ãîÖãò ‡ãñŠ ¼ããè¦ãÀ ÍããŒãã‚ããò/Œãã¦ããò ‡ãñŠ
• Á. 5,291.79 ‡ãŠÀãñ¡ü (ÌãÓãà 2007-08 ½ãò Á. 4,839.07 ‡ãŠÀãñ¡ü ) ‚ãâ¦ãÀ¥ã ‡ãñŠ ‡ãŠãÀ¥ã ãäÌããä¼ã¸ã ̾ãÌãÔãã¾ã Ôã½ãîÖãò ‡ãñŠ ãä¹ãœÊãñ ÌãÓãÃ
‡ãŠãè ÀããäÍã ÔããâãÌä ããä£ã‡ãŠ ‚ããÀãäàã¦ã ãä¶ããä£ã¾ããò ½ãò ‚ãâ¦ããäÀ¦ã ‡ãŠãè ØãƒÃ ý (2007-08) ‡ãñŠ ‡ãŠãÀãñºããÀ ‡ãñŠ ‚ãã£ãããäÀ‡ãŠ ‚ããâ‡ãŠü¡ãò ‡ãŠãñ •ãÖãú ‡ãŠÖãé
‚ããÌã;ã‡ãŠ ‚ããõÀ Ôãâ¼ãÌã ©ãã ãä¹ãŠÀ Ôãñ Ôã½ãîãä֦㠇ãŠÀ‡ãñŠ ÔãâÍããñãä£ã¦ã ãä‡ãŠ¾ãã
• Á. 826.56 ‡ãŠÀãñü¡ (ÌãÓãà 2007-08 ½ãò Á. 4.44 ‡ãŠÀãñü¡) ‡ãŠãè ÀããäÍã
Øã¾ãã Öõ, ¦ãããä‡ãŠ „¶ã‡ãŠãè Ìã¦ãýãã¶ã ÌãÓãà ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãñŠ Ôãã©ã ¦ãìÊã¶ãã ‡ãŠãè
¹ãîâ•ããè ‚ããÀãäàã¦ã ãä¶ããä£ã ½ãò ‚ãâ¦ããäÀ¦ã ‡ãŠãè ØãƒÃý
•ãã Ôã‡ãñŠ ‚ããõÀ ÌãÓãà 2008-09 ½ãò Ìãðãä® ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãŠãè ÔãÖãè ÔãÖãè
• Á. 306.89 ‡ãŠÀãñü¡ (ÌãÓãà 2007-08 ½ãò Á. 362.09 ‡ãŠÀãñü¡) ‡ãŠãè Øã¥ã¶ãã ‡ãŠãè •ãã Ôã‡ãñŠý
ÀããäÍ㠂㶾㠂ããÀãäàã¦ã ãä¶ããä£ã¾ããò ½ãò ‚ãâ¦ããäÀ¦ã ‡ãŠãè ØãƒÃ ý
¹ãƽãìŒã ̾ãÌãÔãã¾ã Ôã½ãîÖ
¹ããäÀÔãâ¹ãã䦦ã¾ããâ
‡ãŠ ØÊããñºãÊã ½ãã‡ãóŠ›áÔã ãäÌã¼ããØã
ºãö‡ãŠ ‡ãŠãè ‡ãìŠÊã ¹ããäÀÔãâ¹ãã䦦ã¾ããò ½ãò 33.66% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãñ
½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ºãü¤‡ãŠÀ Á. 9,64,432.08 ‡ãŠÀãñü¡ Öãñ Œã ‡ãŠãÀ¹ããñÀñ› ºãöãä‡ãâŠØã Ôã½ãîÖ
ØãƒÄ •ãºããä‡ãŠ ½ããÞãà 2008 ‡ãñŠ ‚ãâ¦ã ½ãò ¾ãñ Á. 7,21,526.31 Ø㠽㣾㠇ãŠãÀ¹ããñÀñ› Ôã½ãîÖ
‡ãŠÀãñü¡ ©ããéý ƒÔããè ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã, ¨ãÉ¥ã ÔãâãäÌã¼ããØã ½ãò 30.17%
Üã ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ
‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ƒ¶ã‡ãŠãè ÀããäÍã Á. 4,16.768.20 ‡ãŠÀãñü¡ Ôãñ
ºãü¤‡ãŠÀ Á. 5,42,503.20 ‡ãŠÀãñü¡ Öãñ ØãƒÃý ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã Ý ØãÆã½ããè¥ã ̾ãÌãÔãã¾ã Ôã½ãîÖ
½ãò ãä¶ãÌãñÍããò ½ãò 45.62% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ƒ¶ã‡ãŠãè ÀããäÍã Á. Þã ãäÌã¹ã¥ã¶ã ‚ããõÀ ¹ãÆãä¦ã ãäÌã‰ãŠ¾ã ãäÌã¼ããØã
1,89,501.27 ‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ Á. 2,75,953.96 ‡ãŠÀãñü¡ Öãñ
ØãƒÃý ‚ããä£ã‡ãŠãâÍã ãä¶ãÌãñÍã ÜãÀñÊãî ºãã•ããÀ ½ãò ÔãÀ‡ãŠãÀãè †Ìã⠂㶾㠜 ‡ãŠãÀ¹ããñÀñ› ‡ãŠã¾ãöããèãä¦ã †Ìãâ ¶ãÌã ̾ãÌãÔãã¾ã
‚ã¶ãì½ããñã䪦㠹ãÆãä¦ã¼ãîãä¦ã¾ããò ½ãò ãä‡ãŠ¾ãã Øã¾ããý ªñÍããè¾ã ‚ããäØãƽããò ½ãò ºãö‡ãŠ ‡ãŠã •ã ‚ãâ¦ãÀãÃÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ
ºãã•ããÀ ‚ãâÍã ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ 16.03% ÀÖãý
¢ã ÔãÖ¾ããñØããè ‚ããõÀ ‚ã¶ãìÓãâãäØã¾ããú
ªñ¾ã¦ãã†â šã ‚ãããäÔ¦ã Øãì¥ãÌ㦦ãã
ºãö‡ãŠ ‡ãŠãè ‡ãìŠÊã ªñ¾ã¦ãã†â (¹ãîâ•ããè †Ìãâ ‚ããÀãäàããä¦ã¾ããò ‡ãŠãñ œãñü¡‡ãŠÀ) 34.79% › ÔãîÞã¶ãã ¹ãÆãõ²ããñãäØã‡ãŠãè
‡ãŠãè Ìãðãä® ‡ãñŠ Ôãã©ã 31 ½ããÞãà 2009 ‡ãŠãñ Á. 9,06,484.38 ‡ãŠÀãñü¡
Öãñ ØãƒÄ •ãºããä‡ãŠ 31 ½ããÞãà 2008 ‡ãŠãñ ¾ãñ Á. 6,72,493.65 ‡ãŠÀãñü¡ ‡ãŠ. ØÊããñºãÊã ½ãã‡ãóŠ›áÔã ãäÌã¼ããØã
©ããéý ªñ¾ã¦ãã‚ããò ½ãñâ ¾ãÖ Ìãðãä® ¹ãƽãìŒã ¹ã Ôãñ •ã½ããÀããäÍã¾ããñâ ‚ããõÀ ‚㶾ã
‡ãŠãÀ¹ããñÀñ› ‡ãòŠ³ ãäÔ©ã¦ã ØÊããñºãÊã ½ãã‡ãóŠ›áÔã ãäÌã¼ããØã Ôã¼ããè Ôã½ã¾ã àãñ¨ããò ½ãò ºãö‡ãŠ
ªñ¾ã¦ãã‚ããò †Ìãâ ¹ãÆãÌã£ãã¶ããò ½ãò Ìãðãä® ‡ãñŠ ‡ãŠãÀ¥ã ÖìƒÃý 31 ½ããÞãà 2009
‡ãñŠ ›Èñ•ãÀãè ‡ãŠãÀãñºããÀ ‡ãŠã ÔãâÞããÊã¶ã ‡ãŠÀ¦ãã Öõ ãä•ãÔã‡ãñŠ ‚ãâ¦ãØãæã ãäÌããä¼ã¸ã ºãã•ããÀãò
‡ãŠãñ ÌãõãäÍÌã‡ãŠ •ã½ããÀããäÍã¾ããò ½ãò 31 ½ããÞãà 2008 ‡ãŠãè ¦ãìÊã¶ãã ½ãò 38.08%
•ãõÔãñ ¹ãŠãùÀñ‡ã‹Ôã, º¾ãã•ã-ªÀ, ºãìãäÊã¾ã¶ã, ƒÃãä‡ã‹Ìã›ãè ‚ããõÀ Ìãõ‡ãŠãäʹã‡ãŠ ‚ãããäÔ¦ã¾ããò
‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãñ Á. 7,42,073.13 ‡ãŠÀãñü¡ ‡ãñŠ Ô¦ãÀ ¦ã‡ãŠ Ôãñ Ôãâºãâãä£ã¦ã Øããä¦ããäÌããä£ã¾ããú ‚ãã¦ããè Ööý

28

C28 K28
• Rs. 142.00 crores towards Fringe Benefit Tax (as
against Rs. 105.00 crores in 2007-08).
• Rs. 2,474.96 crores (net of write-back) for non-
performing assets (as against Rs. 2,000.94 crores
in 2007-08).
Reserves and Surplus
• An amount of Rs. 5,291.79 crores (as against
Rs. 4,839.07 crores in 2007-08) was transferred
to Statutory Reserves.
• An amount of Rs. 826.56 crores (as against
Rs. 4.44 crores in 2007-08) was transferred to
Capital Reserve Fund.
• An amount of Rs. 306.89 crores (as against
Rs. 362.09 crores in 2007-08) was transferred
to Other Reserve Funds.
Assets
The total assets of the Bank increased by
33.66% from Rs. 7,21,526.31 crores at the end
of March 2008 to Rs. 9,64,432.08 crores as at
end March 2009. During the period, the loan
portfolio increased by 30.17% from
Rs. 4,16,768.20 crores to Rs. 5,42,503.20 crores.
Investments increased by 45.62% from
Rs. 1,89,501.27 crores to Rs. 2,75,953.96 crores
as at the end of March 2009. A major portion
of the investment was in the domestic market
in government and other approved securities.
The Bank's market share in domestic advances
was 16.03% as of March 2009.
Liabilities
The Bank’s aggregate liabilities (excluding
capital and reserves) rose by 34.79% from
Rs. 6,72,493.65 crores on 31st March 2008 to
Rs. 9,06,484.38 crores on 31st March 2009. The
increase in liabilities was mainly contributed by
increase in deposits and Other Liabilities &
Provisions. The Global deposits stood at
Rs. 7,42,073.13 crores as on 31st March 2009,
representing an increase of 38.08 % over the
29
C29 K29
level on 31st March 2008. The Bank's market
share in domestic deposits was 17.72% as of
March 2009.
Performance Highlights
Consequent upon acquisition of State Bank of
Saurashtra by State Bank of India in 2008-09,
as also migration of branches to and from
within the various business groups, the base
business figures of previous year (2007-08) in
respect of the various business groups have
been amended with regrouping, wherever
necessary and determinable, to make
them comparable with the current year's figures
and arrive at growth figures during the year
2008-09.
Core Operations
A Global Markets Department
B Corporate Banking Group
C Mid Corporate Group
D National Banking Group
E Rural Business Group
F Marketing & Cross Selling Department
G Corporate Strategy & New Business
H International Banking Group
I Associates & Subsidiaries
J Asset Quality
K Information Technology
A. GLOBAL MARKETS DEPARTMENT
Global Markets Department at the Corporate
Centre handles the Bank's Treasury Operations
across all time zones and covers activities in
various markets i.e., Forex, Interest Rates,
Bullion, Equity and Alternative Assets.
 ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºããâ¡ ºãã•ããÀ ½ãò ‚㦾ããä£ã‡ãŠ „¦ããÀ-Þãü¤ãÌã ªñŒãã Øã¾ããý • ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ‡ãñŠ Á. 68,866 ‡ãŠÀãñü¡ ‡ãñŠ ‚ããäØãƽããò ‡ãŠã ºãö‡ãŠ
½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè …úÞããè ªÀ ‚ããõÀ ¹ã¥¾ããò ‡ãŠãè …âúÞããè ‡ãŠãè½ã¦ããò ‡ãñŠ ‡ãŠãÀ¥ã ¹ãÆãä¦ã‡ãîŠÊã ‡ãñŠ Ìãããä¥ãã䕾ã‡ãŠ ‚ããõÀ ÔãâÔ©ããØã¦ã (Œãã²ãã¸ãñ¦ãÀ) ‚ããäØãƽããò ½ãò 29% ‚ããõÀ
¹ããäÀãäÔ©ããä¦ã¾ããò ÌããÊãñ ºãã•ããÀ ½ãò ‚ããä£ã‡ãŠ Êãã¼ã ¹ãÆ㹦ã ãä‡ãŠ¾ãã Øã¾ããý ƒÔã ‡ãŠãÀ¥ã ‡ãìŠÊã ªñÍããè¾ã ¨ãÉ¥ããò ½ãò 15% ãäÖÔÔãã Öõý
¹ãÖÊããè ªãñ ãä¦ã½ãããäÖ¾ããò ½ãò ֽ㠂ã¹ã¶ãñ ºããâ¡ ‡ãŠãÀãñºããÀ ‡ãñŠ ãäÊㆠºãã•ããÀ ½ãîʾ㠹ãÀ ¦ãããäÊã‡ãŠã : 2 ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ - „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
¹ãÆãÌã£ãã¶ã ‡ãŠÀ ¹ãã†ý ãäÌ㦦ã ÌãÓãà ‡ãŠãè ªîÔãÀãè œ½ããÖãè ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà (ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
ºãö‡ãŠ ´ãÀã Ôããè‚ããÀ‚ããÀ, †Ôã†Êã‚ããÀ Üã›ã† •ãã¶ãñ ‡ãñŠ Ôãã©ã-Ôãã©ã ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ãäÌãÌãÀ¥ã 31.03.2008 31.03.2009 Ìãðãä®
‡ãŠãè Ìãã¹ãÔããè ŒãÀãèª ‡ãŠãè ‚ã¶ãì½ããä¦ã ¹ãƪã¶ã ãä‡ãŠ† •ãã¶ãñ Ôãñ º¾ãã•ã ªÀãò ½ãò Ô©ãããä¾ã¦Ìã ‡ãŠãñ ‡ãŠãñ %
‚ãã¾ãã ‚ããõÀ º¾ãã•ã ªÀãò ½ãò ‡ãŠ½ããè ‡ãŠã ªãõÀ Íãì Öãñ Øã¾ããý Ö½ããÀãè ‚ã©ãÃ̾ãÌãÔ©ãã
‡ãŠãè Øããä¦ã ‚ãÞãã¶ã‡ãŠ £ããè½ããè Öãñ¶ãñ ‡ãñŠ ºã㪠¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ¾ãñ „¹ãã¾ã •ã½ããÀããäÍã¾ããú 9,843 19,702 100
ãä‡ãŠ† Øã†ý •ã¶ãÌãÀãè 2009 ½ãò 10 ÌãÓããê¾ã ‚ãã£ããÀ ¹ãÆãä¦ã¹ãŠÊã ÌããÊãñ ºããâ¡ãò ½ãò ‚ããäØãƽã 46,708 68,866 47
Êãã¼ã ¦ãñ•ããè Ôãñ ãäØãÀ‡ãŠÀ 4.85% ‡ãñŠ Ô¦ãÀ ¹ãÀ ‚ãã Øㆠ•ããñ ‚ãºã ¦ã‡ãŠ ‡ãŠã ÔãºãÔãñ
• ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ãäÌãªñÍããè ½ãì³ã ̾ãÌãÔãã¾ã ½ãò ÊãØãã¦ããÀ „ÞÞã Ìãðãä®
ãä¶ã½¶ã Ô¦ãÀ Öõý ¾ãñ •ãìÊããƒÃ 2008 ½ãò 9.53% ‡ãñŠ „ÞÞã Ô¦ãÀ ¹ãÀ ©ãñý ‚ãâ¦ã¦ã:
ªÀ ¹ãÆ㹦㠇ãŠÀ ÀÖã Öõý ƒÔã¶ãñ ÌãÓããöãìÌãÓãà 68% Ìãðãä® ªÀ ª•ãà ‡ãŠãè Öõý
¾ãñ 31 ½ããÞãà 2009 ‡ãŠãñ 7.01% ¹ãÀ ÀÖñý •ã½ããÀããäÍã¾ããò ½ãò ‚ã¼ãî¦ã¹ãîÌãà Ìãðãä®
‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ‡ãñŠ ãäÌãªñÍããè ½ãì³ã ‡ãŠãÀãñºããÀ ‡ãŠã ºãö‡ãŠ ‡ãñŠ ‡ãìŠÊã
‡ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹ã Ôããè‚ããÀ‚ããÀ ‚ããõÀ †Ôã†Êã‚ããÀ ‡ãŠãè ºãü¤ãè ÖìƒÃ ‚ã¹ãñàãã‚ããò
ªñÍããè¾ã ãäÌãªñÍããè ½ãì³ã ›¶ãà ‚ããñÌãÀ ½ãò 53% ãäÖÔÔãã Öõý
‡ãñŠ ‡ãŠãÀ¥ã Ôã½ãØãÆ ªñÍããè ãä¶ãÌãñÍããò ½ãò 31 ½ããÞãà 2008 ‡ãŠãè ¦ãìÊã¶ãã ½ãò Á. 64,724
‡ãŠÀãñü¡ ‡ãŠãè Ìãðãä® ÖìƒÃý ãäÌ㦦ã ÌãÓãà ‡ãŠãè ªîÔãÀãè œ½ããÖãè ½ãò ÞãÊããä¶ããä£ã ‡ãŠãè ãäÔ©ããä¦ã • ‚ããäØãƽããò Ôãñ Öãñ¶ãñ ÌããÊããè ‚ãã¾ã ÌãÓãà 2007-08 ½ãò 8.57% ©ããè, •ããñ
½ãò Ôãì£ããÀ ‚ãã¾ãã ‚ããõÀ ƒÔã‡ãñŠ ºã㪠¾ãÖ ¹ã¾ããù¦ã ½ãã¨ãã ½ãò „¹ãÊ㺣ã ÀÖãèý ¼ããÀ¦ããè¾ã ÌãÓãà 2008-09 ½ãò ºãü¤‡ãŠÀ 9.98% Öãñ ØãƒÃý
ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä‡ãŠ† Øㆠ‚ã¶ãñ‡ãŠ ¹ãîÌããó¹ãã¾ããò ‚ããõÀ ƒ¶ã‡ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹㠕 ÌãÓãà ‡ãñŠ ªãõÀã¶ã ÊãñŒãã ¾ããñ•ã¶ãã ¹ãÆãä‰ãŠ¾ãã Íãì ‡ãŠãè ØãƒÃ, ãä•ãÔãÔãñ Ôã½ãîÖ ‡ãŠñ
Êãã¼ã ‡ãŠ½ã Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Ö½ãò ‚ã¹ã¶ãñ ºããâ¡ãò ½ãò ãä‡ãŠ† Øㆠãä¶ãÌãñÍããò ‡ãŠãè ãäºã‰ãŠãè Ôãñ ºãñÖ¦ãÀ ãäÌã¹ã¥ã¶ã ´ãÀã ‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãŠãè ‡ãŠãÀãñºããÀãè ¾ããñ•ã¶ãã‚ããò Ôãñ
Êãã¼ã ‚ããä•ãæ㠇ãŠÀ¶ãñ ‡ãŠã ‚ãÌãÔãÀ ãä½ãÊããý •ãìü¡ã •ãã Ôã‡ãñŠ ‚ããõÀ „¶Öò „¶ã‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãñŠ ‚ã¶ãì¹ã Ôã½ãã£ãã¶ã
¹ãƪã¶ã ãä‡ãŠ† •ãã Ôã‡ãòŠý
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ØÊããñºãÊã ½ãã‡ãóŠ›áÔã ãäÌã¼ããØã ‡ãŠã ãä¶ãÓ¹ã㪶ã Ôãâàãñ¹ã ½ãò ¶ããèÞãñ
• ÍãìʇãŠ-‚ãã£ãããäÀ¦ã ÔãñÌãã‚ããò ¹ãÀ £¾ãã¶ã ‡ãòŠã䳦㠇ãŠÀ¶ãñ ‡ãŠãè ¹ãÖÊã ‡ãŠãè ºãªãõÊã¦ã
¦ãããäÊã‡ãŠã ½ãò ã䪾ãã Øã¾ãã Öõý
‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ‡ãŠãè ÍãìʇãŠ-‚ãã¾ã ½ãò ÌãÓãà ‡ãñŠ ªãõÀã¶ã 66% ‡ãŠãè
(ÀããäÍã ‡ãŠÀãñü¡ ÀŠ¹ã† ½ãò)
„ÊÊãñŒã¶ããè¾ã Ìãðãä® ÖìƒÃý
2007-08 2008-09 Ìãðãä® %
• ºãö‡ãŠ ‡ãŠñ ÔãÍã‡ã‹¦ã ¦ãìÊã¶ã ¹ã¨ã ‡ãŠã Êãã¼ã „Ÿã‡ãŠÀ „ÞÞã ‚ãã¾ã ÌããÊãñ ØãÆãÖ‡ãŠãò
ãä¶ãÌãñÍããò ¹ãÀ º¾ãã•ã Ôãñ ‚ãã¾ã 11,887 15,750 32.50
Ôãñ ºãü¡ñ ¹ãõ½ãã¶ãñ ¹ãÀ Öã½ããèªãÀãè ̾ãÌãÔãã¾ã •ãì›ã¾ãã Øã¾ããý
‚㶾㠂ãã¾ã-ãä¶ãÌãñÍããò ‡ãŠãè
ãäºã‰ãŠãè Ôãñ Êãã¼ã ‚ããõÀ ãäÌãªñÍããè Êãñ¶ãªñ¶ã ºãöãä‡ãâŠØã ƒ‡ãŠãƒÃ
½ãì³ã ‡ãŠãÀãñºããÀ Ôãñ ‚ãã¾ã 1,987 3,125 57.27 Ôã½ãîÖ ÔãÖãä‰ãŠ¾ãã ‡ãñŠ ½ã㣾ã½ã Ôãñ Íãìʇ㊠‚ãã£ãããäÀ¦ã ‚ãã¾ã ºãü¤ã¶ãñ ‡ãñŠ ãäÊㆠ‡ãŠãÀ¹ããñÀñ›
ãäÌãªñÍããè ½ãì³ã ‡ãŠãÀãñºããÀ ºãöãä‡ãâŠØã Ôã½ãîÖ ½ãò ¶ã‡ãŠªãè ¹ãƺãâ£ã „¦¹ã㪠†Ìãâ ƒÔããè ‡ãñŠ ‚ã£ããè¶ã ̾ãã¹ããÀ ãäÌ㦦ã
½ãò ŒãÀãèª ¹ãŠÀãñŒ¦ã 11,74,029 18,11,194 54.27 Ô‡ã⊣㠇ãñŠ Ôãã©ã Êãñ¶ãªñ¶ã ºãöãä‡ãâŠØã ƒ‡ãŠãƒÃ ºã¶ããƒÃ ØãƒÃ Öõ.
ªñÍããè¾ã ›Èñ•ãÀãè ‡ãŠãÀãñºããÀ ¶ã‡ãŠªãè ¹ãƺãâ£ã „¦¹ããª
Ôãñ ‚ããõÔã¦ã ‚ãã¾ã 7.49 8.02 0.53 †Ôãºããè‚ããƒÃ ¹ãŠãÔ› ¶ãã½ã‡ãŠ ‚ã¹ã¶ãñ ¶ã‡ãŠªãè ¹ãƺãâ£ã „¦¹ã㪠‡ãñŠ ãäÊㆠ‡ãòŠ³ãè‡ãðŠ¦ã Ôã½ãã£ãã¶ã
Œã. ‡ãŠãÀ¹ããñÀñ› ºãöãä‡ãâŠØã Ôã½ãîÖ Ì¾ãÌãÔ©ãã ÊããØãî ‡ãŠãè ØãƒÃ ãä•ãÔãñ 379 ÍããŒãã‚ããò ½ãò „¹ãÊ㺣㠇ãŠÀã¾ãã Øã¾ãã Öõý ƒÔã‡ãñŠ
½ã㣾ã½ã Ôãñ ‡ãŠãÀ¹ããñÀ›ñ ØãÆãÖ‡ãŠãò ‡ãŠãè ‡ãŠãØã•ã ¹ãÀ ‚ããõÀ ƒÊãñ‡ã‹›ãÈ ãù ¶ä ã‡ãŠ ½ã㣾ã½ã Ôãñ Öãñ¶ãñ
Œã.1 ºãö‡ãŠ ‡ãŠã ‡ãŠãÀ¹ããñÀñ› ºãöãä‡ãâŠØã Ôã½ãîÖ ¦ããè¶ã ‡ãŠã¾ãöããèãä¦ã‡ãŠ ̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò
ÌããÊããè „ØãããäÖ¾ããò ‡ãñŠ Ôãã©ã-Ôãã©ã ‡ãŠãÀ¹ããñÀ›ñ ØãÆãÖ‡ãŠãò ‡ãñŠ ‡ãŠãØã•ã ¹ãÀ ‚ããõÀ ƒÊãñ‡ã‹›ãÈ ãù ¶ä ã‡ãŠ
Ôãñ ãä½ãÊã‡ãŠÀ ºã¶ãã Öõ, ãä•ã¶ã‡ãñŠ ¶ãã½ã Öö - ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ, ¹ããäÀ¾ããñ•ã¶ãã
½ã㣾ã½ã Ôãñ Öãñ¶ãñ ÌããÊãñ ¼ãìØã¦ãã¶ããò ‡ãŠãè ªñŒãÀñŒã ‡ãŠãè •ãã¦ããè Öõý ¶ã‡ãŠªãè ¹ãƺãâ£ã „¦¹ããª
ãäÌ㦦㠆Ìãâ Êããèãä•ãâØã †Ôãºããè¾ãî ‚ããõÀ ¦ã¶ããÌãØãÆԦ㠂ãããäԦ㠹ãƺãâ£ã¶ã Ôã½ãîÖý
(Ôãã膽ã¹ããè) ½ãò ÞãÊããä¶ããä£ã ¹ãƺãâ£ã¶ã ‡ãŠãè ¼ããè ̾ãÌãÔ©ãã Öõý ƒÔã‡ãŠã Êãà¾ã ºãñÖ¦ãÀ ¶ã‡ãŠªãè
Œã.2 ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ (Ôãã膕ããè) ¹ãƺãâ£ã ´ãÀã ‡ãŠãÀ¹ããñÀ›ñ ãò ‡ãŠãè Êãã¼ã¹ãƪ¦ãã ºãü¤ã¶ãã ‚ããõÀ º¾ãã•ã ÊããØã¦ããò ½ãò ‡ãŠ½ããè Êãã¶ãã Öõý
‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ½ãò ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ôãã膕ããè, ‚ãÖ½ãªãºã㪠ÍããŒãã ‡ãñŠ
•ãìü¡ •ãã¶ãñ Ôãñ Ôã½ãîÖ ‡ãŠãè ÍããŒãã‚ããò ‡ãŠãè ‡ãìŠÊã Ôã⌾ãã 5 Öãñ ØãƒÃ Öõ, •ããñ 489 Œã. 3 ¹ããäÀ¾ããñ•ã¶ãã ãäÌ㦦ã¹ããñÓã¥ã ‚ããõÀ ¹ã›á›ã ‡ãŠã¾ãöããèãä¦ã‡ãŠ ̾ãÌãÔãã¾ã ƒ‡ãŠãƒÃ
‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãŠãñ ‚ã¹ã¶ããè ÔãñÌãã†âù ¹ãƪã¶ã ‡ãŠÀ ÀÖãè Ööý ÌãÓãà ‡ãñŠ ªãõÀã¶ã 42 ¹ããäÀ¾ããñ•ã¶ãã ãäÌ㦦ã¹ããñÓã¥ã-‡ãŠã¾ãöããèãä¦ã‡ãŠ ̾ãÌãÔãã¾ã ƒ‡ãŠãƒÃ ãäºã•ãÊããè, ªîÀÔãâÞããÀ,
¶ã† ‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãŠãñ Ôãã膕ããè ½ãò Êãã¾ãã Øã¾ããý Ôãü¡‡ãŠ, ºãâªÀØããÖ, ÖÌããƒÃ ‚ã¡á¡ãò, ½ããÊã ¤ìÊããƒÃ ‚ããõÀ ‚㶾㠂ãã£ããÀ¼ãî¦ã

30

C30 K30
 The year witnessed heightened volatility in the
bond market. Adverse market conditions, mainly on
account of higher inflation and commodity prices,
resulted in higher yields which led to mark-to-
market provisions on our portfolio in the first two
quarters. During the second half of the financial
year, interest rates stabilized and headed downwards
on account of reduction in CRR, SLR and buy back
of securities by RBI prompted by the sudden slow
down in our economy. The benchmark 10 year
yields saw a sharp fall to 4.85% in January 09, the
lowest on record, from a high of 9.53% in
July 08 and finally closed at 7.01% on
31st March 2009. Increased requirement of CRR and
SLR, a consequence of the unprecedented deposit
growth, resulted in an increase in the overall
domestic investment portfolio by Rs.64,724 crores
over 31st March 2008. Liquidity position eased in
the second half of the financial year and remained
comfortable thereafter. The series of proactive
measures taken by RBI and the resulting fall in bond
yields provided us with an opportunity to book
profit on sale of investments from our bond portfolio.
Performance of Global Markets department during
the year is summarised in the table below.
(Amount in Rs. Crores)
2007-08 2008-09 % Growth
Interest Income
on Investments 11,887 15,750 32.50
Other Income -
Profit on Sale
of Investments
and Forex Income 1,987 3,125 57.27
Trading Volume
Forex Operations 11,74,029 18,11,194 54.27
Average Yield on
Domestic Treasury
Operations 7.49 8.02 0.53
B.CORPORATE BANKING GROUP
B.1 The Bank's Corporate Banking Group consists
of three Strategic Business Units viz., Corporate
Accounts Group, Project Finance & Leasing SBU
and Stressed Assets Management Group.
B.2 Corporate Accounts Group (CAG)
Corporate Accounts Group, with addition of CAG,
Ahmedabad Branch during the year, has five
branches which cater to 489 Corporate clients.
31
C31 K31
During the year, 42 new corporate clients were
brought into the CAG fold.
CAG's advances portfolio of Rs. 68,866 crores
is 29 % of the C&I (Non-Food) credit of the Bank
and constitutes 15 % of the total domestic credit
portfolio of the Bank.
Table : 2 CAG – Highlights
(Amount in Rs. crores)
Particulars As on As on Growth
31.03.2008 31.03.2009 %
Deposits 9,843 19,702 100
Advances 46,708 68,866 47
CAG continues to be on the high growth trajectory
in forex business registering a YoY growth of 68%.
CAG's forex business constituted 53 % of the total
domestic forex turnover of the Bank.
Yield on advances has improved from 8.57% in
2007-08 to 9.98% in 2008-09.
Account Planning initiative was launched during
the year to align better, the Group's marketing to
the Business Plans of the corporate clients and to
provide customised solutions.
Focus on fee-based services saw the fee income
of CAG registering an impressive 66% growth
during the year.
By leveraging Bank's balance sheet strength,
substantial underwriting business was booked
from large corporates.
Transaction Banking Unit
The Transaction Banking Unit has been created in
CBG with the Cash Management Product and Trade
Finance wings under its fold to boost fee based
income through Group Synergy.
CASH MANAGEMENT PRODUCT
Cash Management Product with its brand name
SBIFAST has migrated to a centralized solution
covering 379 branches and handles paper and
e-collections as well as paper and e-payments for
Corporate clients. CMP also has a liquidity
management module, which aims to enhance
profitability to Corporates by facilitating better
liquidity management and reducing interest costs.
B.3 Project Finance & Leasing SBU
The Project finance-SBU focusses on funding
projects in infrastructure sectors like power,
àãñ¨ããò ½ãò ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãñŠ ãäÌ㦦ã¹ããñÓã¥ã ¹ãÀ ‡ãòŠã䳦㠃‡ãŠãƒÃ Öõý ¾ãÖ ØãõÀ • 106 ¦ã¶ããÌãØãÆԦ㠂ãããäÔ¦ã Ôã½ãã£ãã¶ã ‡ãòŠ³ (Ôãã‡ãÊ) ‡ãŠãè ªñÍã¼ãÀ ½ãò Ô©ãã¹ã¶ãã
‚ãã£ããÀ¼ãî¦ã ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãŠã ãäÌ㦦ã¹ããñÓã¥ã ¼ããè Ôãâ¼ããÊã¦ããè Öõý ¾ãñ ‡ãŠãè ØãƒÃ ãä•ãÔãÔãñ †ÔㆽãƒÃ ‚ããõÀ Ìãõ¾ããä‡ã‹¦ã‡ãŠ Œãâ¡ãò ½ãò Á. 1 ‡ãŠÀãñü¡ ¦ã‡ãŠ
¹ããäÀ¾ããñ•ã¶ãã†ú ¶¾ãî¶ã¦ã½ã ¹ããäÀ¾ããñ•ã¶ãã ÊããØã¦ã ¹ãÀ ‡ãŠãä¦ã¹ã¾ã Ôããè½ãã‚ããò ½ãò ‡ãŠãè ºã‡ãŠã¾ãã ÀããäÍã ÌããÊããè ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò ‡ãñŠ Ôã½ãã£ãã¶ã ¹ãÀ
ãäÌ㦦ã¹ããñãäÓã¦ã ‡ãŠãè •ãã¦ããè Ööý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ããäÀ¾ããñ•ã¶ãã ¨ãÉ¥ããò ‡ãñŠ Ôã½ãîֶ㠣¾ãã¶ã ‡ãòŠã䳦ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý ƒ¶ã½ãò Ôãñ 45 ÔÌã¦ãâ¨ã ¦ã¶ããÌãØãÆÔ¦ã
‚ããõÀ Öã½ããèªãÀãè ¹ãÀ ãäÌãÍãñÓã ¹ã Ôãñ £¾ãã¶ã ã䪾ãã Øã¾ããý ‚ãããäÔ¦ã Ôã½ãã£ãã¶ã ‡ãòŠ³ãò ‡ãŠãñ ÞãÀ¥ãºã® ¤âØã Ôãñ ¦ã¶ããÌãØãÆԦ㠂ãããäÔ¦ã
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ¹ããäÀ¾ããñ•ã¶ãã ãäÌ㦦ã¹ããñÓã¥ã ‡ãŠã¾ãöããèãä¦ã‡ãŠ ̾ãÌãÔãã¾ã ¹ãƺãâ£ã¶ã Ôã½ãîÖ (†Ôㆆ½ã•ããè) ‡ãŠãè ¹ããäÀãä£ã ½ãò Êãã¾ãã •ãã ÀÖã Öõ ãä•ãÔãÔãñ
ƒ‡ãŠãƒÃ ¶ãñ ‚ã¶ãñ‡ãŠ ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãñŠ ãäÌ㦦ã¹ããñÓã¥ã ½ãò ÔãÖ¼ãããäØã¦ãã ‡ãŠãè ‚ããõÀ ºãö‡ãŠ ‡ãñŠ ÌãÔãîÊããè ¹ãƾããÔããò ½ãò ‚ããõÀ Øããä¦ã ÊããƒÃ •ãã Ôã‡ãñŠý ¦ã¶ããÌãØãÆÔ¦ã
‚㶾㠺ãö‡ãŠãò/ÔãâÔ©ãã‚ããò ‡ãñŠ Ôãã©ã ¨ãÉ¥ã-Ôã½ãîֶ㠽ãò ãä¶ã½¶ãã¶ãìÔããÀ ãäÖÔÔãñªãÀãè ‡ãŠãè : ‚ãããäÔ¦ã Ôã½ãã£ãã¶ã ‡ãòŠ³ãò ‡ãŠã ãä¶ãÓ¹ã㪶㠄¦ÔããÖÌã£ãÇ㊠ÀÖã ‚ããõÀ ‚ã¶ã•ãÇãŠ
‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹ãƺãâ£ã¶ã ½ãò ½ãÖ¦Ìã¹ãî¥ãà ¹ãÆØããä¦ã ÖããäÔãÊã ‡ãŠãè ØãƒÃý
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò) ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãä¶ãÌããÀ¥ã ‡ãñŠ ãäÊㆠ‡ãŠã¾ãÃàã½ã „¹ãã¾ã ¼ããè
ãäÌãÌãÀ¥ã ãäÌ㦦ããè¾ã ÌãÓãà ãäÌ㦦ããè¾ã ÌãÓãà Ìãðãä® ãä‡ãŠ† ØㆠÖö ‚ããõÀ ƒ¶ã „¹ãã¾ããò ‡ãñŠ ‚ãâ¦ãØãæã Þãì‡ãŠãõ¦ããè ½ãò ¹ãÖÊããè Þãî‡ãŠ ‡ãñŠ
2008 2009 (%) Ôã½ã¾ã Öãè ØãÆãÖ‡ãŠãò ‡ãŠãñ Ô½ãÀ¥ã ‡ãŠÀã ã䪾ãã •ãã¦ãã Öõý
ÔãâÔÌããè‡ãðŠ¦ã ¹ããäÀ¾ããñ•ã¶ãã‚ããò Øã. ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› Ôã½ãîÖ (†½ãÔããè•ããè)
‡ãŠãè ‡ãìŠÊã ¹ããäÀ¾ããñ•ã¶ãã ÊããØã¦ã 1,45,045 1,93,595 ÊããØãî ¶ãÖãé
¦ãããäÊã‡ãŠã : 4 †½ãÔããè•ããè - „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
‡ãìŠÊã ¨ãɥ㠂ããÌã;ã‡ãŠ¦ãã 92,558 1,33,894 ÊããØãî ¶ãÖãé
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
„¹ã¾ãìÇ㋦㠽ãò Ôãñ ¼ããÀ¦ããè¾ã Ô›ñ›
ãäÌãÌãÀ¥ã 31.03.2008 31.03.2009 Ìãðãä® ‡ãŠã
ºãö‡ãŠ ´ãÀã ÔãâÔÌããè‡ãðŠ¦ã ¨ãÉ¥ã 20,195 25,854 28.02
‡ãŠãñ ‡ãŠãñ %
¨ãÉ¥ã Ôã½ãîÖ¶ã 54,951 64,069 16.59
•ã½ããÀããäÍã¾ããâ 15,428 19,169 24.25
‚㶾㠹ãƽãìŒã ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãñŠ ‚ãÊããÌãã, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ªñÍã ½ãò
†ñÔããè ªãñ ºãðÖ¦ã ãäºã•ãÊããè ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãñŠ ãäÊㆠ½ããØãêÍããê ºãö‡ãŠ ¼ããè Öõ ‚ããäØãƽã (‚ããù¹ãŠ-Ôãホ
ãä•ã¶Öãò¶ãñ ãäÌ㦦ããè¾ã ÊãñŒããºãâªãè ÖããäÔãÊã ‡ãŠÀ Êããè Öõ ‚ããõÀ ¾ãñ Ìã¦ãýãã¶ã ½ãò ‡ãŠãñ œãñü¡‡ãŠÀ) 85,887 1,06,466 23.96
‡ãŠã¾ããöÌã¾ã¶ã ‚ã£ããè¶ã Ööý ¹ããäÀ¾ããñ•ã¶ãã ãäÌ㦦ã¹ããñÓã¥ã ‡ãŠÀãÀãò ¹ãÀ ¶ã•ãÀ ÀŒã¶ãñ ‚ããäØãƽã (‚ããù¹ãŠ-Ôãホ
ÌããÊãñ ãäÌãÍÊãñÓã‡ãŠ ãä¶ãÀâ¦ãÀ ºãö‡ãŠ ‡ãŠãñ †ãäÍã¾ãã ¹ãÆÍããâ¦ã àãñ¨ã ½ãò/ãäÌãÍÌã Ô¦ãÀ ‡ãŠãñ Íãããä½ãÊã ‡ãŠÀ‡ãñŠ) 1,02,052 1,25,951 23.41
¹ãÀ ‚ãØãÆ¥ããè Ô©ãã¶ã ªñ ÀÖñ Ööý • Ôã½ãîÖ ºãö‡ãŠ ‡ãñŠ ‡ãìŠÊã Ìãããä¥ãã䕾ã‡ãŠ †Ìãâ ÔãâÔ©ããØã¦ã Œãã²ãñ¦ãÀ ‚ããäØãƽããò ‡ãñŠ
Œã.4 ¦ã¶ããÌãØãÆԦ㠂ãããäԦ㠹ãƺãâ£ã¶ã Ôã½ãîÖ (†Ôㆆ½ã•ããè) ÊãØã¼ãØã 42% ‡ãŠãè ªñŒãÀñŒã ‡ãŠÀ¦ãã Öõ. ¾ãÖ 8 àãñ¨ããè¾ã ‡ãŠã¾ããÃÊã¾ããò ‚ããõÀ
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã †Ôㆆ½ã•ããè ‡ãŠã ãä¶ãÓ¹ã㪶㠶ããèÞãñ ¦ãããäÊã‡ãŠã 53 ÍããŒãã‚ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ‡ãŠã¾ãà ‡ãŠÀ¦ãã Öõý
½ãò ã䪾ãã Øã¾ãã Öõ : • ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› Ôã½ãîÖ ‡ãñŠ 540 ¶ã† ½ã£¾ã ‡ãŠãÀ¹ããñÀñ›
¦ãããäÊã‡ãŠã : 3 †Ôㆆ½ã•ããè-„ÊÊãñŒã¶ããè¾ã ¦ã©¾ã ØãÆãև㊠Íãããä½ãÊã Öì†ý
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò) • ¶ã† „¸ããä¦ãÍããèÊã ¶ãØãÀãò ‚ããõÀ `Ñãñ¥ããè II' ‡ãñŠ ÍãÖÀãò ½ãò ½ã£¾ã ‡ãŠãÀ¹ããñÀñ›
1 ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò (†¶ã¹ããè†) ‡ãŠãè ¶ã‡ãŠª ÌãÔãîÊããè 354 Ôã½ãîÖ ØãÆãÖ‡ãŠãò ¹ãÀ ‡ãòŠã䳦ã ÔãñÌãã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãŠãè ÒãäÓ› Ôãñ 23 ¶ã†
2 ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹㠽ãò ‡ãŠãñãä› „¸ã¾ã¶ã 245 ÍããŒãñ¦ãÀ ‡ãŠã¾ããÃÊã¾ã ‚ããõÀ ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ÔããõÀãÓ›È ‡ãŠãè
3 ‚ã¹ãÊãñŒã¶ã 588 4 ÍããŒãã†ú ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› Ôã½ãîÖ ½ãò ‚ãã ØãƒÄý
4 ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò (1+2+3) ½ãò ‡ãìŠÊ㠇㊽ããè 1187 • ‚ããäØãƽããò ‡ãŠãè ‚ããõÔã¦ã ‚ãã¾ã ½ããÞãà 2008 ‡ãñŠ 9.73% ‡ãñŠ Ô¦ãÀ Ôãñ ºãü¤‡ãŠÀ
5 ‚ã¹ããäÊããäŒã¦ã Œãã¦ããò ½ãò ÌãÔãîÊããè 418 ½ããÞãà 2009 ½ãò 11.62% Öãñ ØãƒÃý

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‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ ãäÊㆠ‡ãŠãè ØãƒÃ ©ããèý ºã㪠½ãò
Á. 1 ‡ãŠÀãñü¡ ‚ããõÀ „ÔãÔãñ ‚ããä£ã‡ãŠ ÀããäÍã ‡ãŠãè Ôã¼ããè ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò
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ÞããõºããèÔããò Üãâ›ñ Ôãã¦ããò ã䪶㠂ã¹ã¶ãñ ‡ãŠã¾ããÃÊã¾ã ¾ãã ãä‡ãŠÔããè ‚ã¶¾ã Ô©ãã¶ã Ôãñ
‚ã¹ã¶ãã Êãñ¶ãªñ¶ã ‡ãŠÀ Ôã‡ãŠ¦ãñ Öö ‚ããõÀ Ìãñºã ‚ãã£ãããäÀ¦ã Ôããù¹ã‹›Ìãñ¾ãÀ ‡ãñŠ ½ã㣾ã½ã
Ôãñ Êãñ¶ãªñ¶ã ¹ãÀ ¶ã•ãÀ ÀŒã Ôã‡ãŠ¦ãñ Ööý

32

C32 K32
telecom, roads, ports, airports, logistics and others. to provide focussed efforts in resolution of
It also handles non-infrastructure projects with NPAs.
certain ceilings on minimum project cost. During
106 Stressed Assets Resolution Centres (SARCs)
the year, the focus was on syndication and
have been opened across the country for focussed
underwriting of project loans.
resolution of NPAs with outstandings upto Rs.1
During 2008-09, Project Finance-SBU participated crore in SME and Personal segments. Out of
in funding of numerous projects and took up these, 45 independent SARCs were brought
syndication of debt with other banks / institutions under SAMG in a phased manner to give further
as given in the chart: fillip to the Bank's recovery efforts. The
(Amount in Rs. crores) performance of SARCs is encouraging and
substantial progress in the Management of NPAs
Particulars FY FY Growth has been achieved. Proactive steps have also
2008 2009 (%) been taken for prevention of NPAs by making
Aggregate Project demands on customers BEFORE DEFAULT and
Cost of projects on FIRST DEFAULT.
sanctioned 1,45,045 1,93,595 N. A.
C. MID-CORPORATE GROUP (MCG)
Aggregate Debt
requirement 92,558 1,33,894 N. A. Table : 4 MCG – Highlights
Of the above, (Amount in Rs. crores)
Debt sanctioned Particulars As on As on growth
by SBI 20,195 25,854 28.02 31.03.2008 31.03.2009 %
Debt syndication 54,951 64,069 16.59 Deposits 15,428 19,169 24.25
Besides other major projects, SBI is also the Lead Bank Advances
for the two Ultra Mega Power Projects in the country (Excluding
which have achieved financial closure and are off-site) 85,887 1,06,466 23.96
presently under implementation. Analysts tracking Advances
project finance deals have been consistently ranking (Including
the Bank in leading positions in the Asia Pacific off-site) 1,02,052 1,25,951 23.41
Region/globally.
• The Group handles about 42% of the total C&I
B.4 Stressed Assets Management Group (SAMG) non-food advances of the Bank. It operates
through 8 Regional Offices and 53 branches.
The performance of SAMG during the year 2008-09
is given in the table below. • 540 new mid-corporate clients were added by the
MCG during the current year.
Table : 3 SAMG – Highlights • To ensure focussed service to MCG customers in
(Amount in Rs. crores) upcoming towns and "Tier II" cities, 23 new
1 Cash Recovery in NPA 354 off-site branches and 4 erstwhile SBS branches
have been added to MCG.
2 Upgradation to Standard Assets 245
• The average yield on advances went up from
3 Write Offs 588
9.73% in March 2008 to 11.62% in March, 2009.
4 Gross reduction in NPAs (1+2+3) 1187
Initiatives taken
5 Recovery in written off accounts 418
• e-Trade sbi has been launched with marketing
Stressed Assets Management Group (SAMG), under the ownership of MCG. The product
originally set up to take over all NPAs with enables customers to handle their transactions
outstandings of Rs.5 crores and above, has from their office or any other place 24x7 and
expanded its role to resolve all NPAs of Rs.1 keep track of the transactions through web
crore and above across the country with a view based software.

33

C33 K33
• 5 ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› ¨ãÉ¥ã ÔãâÞããÊã¶ã ƒ‡ãŠãƒ¾ããú ÌãÓãà ‡ãñŠ ªãõÀã¶ã ½ã£¾ã ¦ãããäÊã‡ãŠã : 5 ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ - „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
‡ãŠãÀ¹ããñÀñ› Ôã½ãîÖ ‡ãñŠ ãä¶ã¾ãâ¨ã¥ãã£ããè¶ã ÊããƒÃ ØãƒÄý ¾ãñ ƒ‡ãŠãƒ¾ããú (ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
½ã쌾ã¦ã¾ãã ÍããŒãñ¦ãÀ ‡ãòŠ³ãò ¹ãÀ ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãŠãñ ãäÌãÌãÀ¥ã 31.03.2008 31.03.2009 Ìãðãä® ‡ãŠã
‡ãòŠ³ãè‡ãðŠ¦ã ¹ãÆãä‰ãŠ¾ãã Ôãâºãâ£ããè ‡ãŠã¾ãÃ, ÔãñÌãã ‚ããõÀ ¹ãÆÊãñŒã¶ã ÔãìãäÌã£ãã†ú ‡ãŠãñ ‡ãŠãñ %
„¹ãÊ㺣㠇ãŠÀã¦ããè Ööý •ã½ããÀããäÍã¾ããú (‚ãâ¦ãÀ
¶ã† „¦¹ã㪠ºãö‡ãŠ ‡ãŠãñ œãñü¡‡ãŠÀ) 2,99,644 4,12,329 37.61
• ‚ãã¾ãã¦ã ‚ããü¤¦ã †‡ãŠ ¶ã¾ãã „¦¹ã㪠Öõ •ããñ †Ôãºããè‚ããƒÃ ¹ãõŠ‡ã‹›Ôãà †â¡ ‚ããäØãƽã (Œãã²ã ‚ããõÀ
‡ãŠãù½ããäÍãþãÊã ÔããäÌãÃÔãñ•ã ãäÊã. ‡ãñŠ. ÔãÖ¾ããñØã Ôãñ Íãì ãä‡ãŠ¾ãã Øã¾ããý ‚ãâ¦ãÀ ºãö‡ãŠ ‡ãŠãñ œãñü¡‡ãŠÀ) 1,32,545 1,53,814 16.05

Øã.1 ÔÌã¥ãà ºãöãä‡ãâŠØã Üã.1 Ìãõ¾ããä‡ã‹¦ã‡ãŠ ºãöãä‡ãâŠØã ̾ãÌãÔãã¾ã ƒ‡ãŠãƒÃ (¹ããèºããèºããè¾ãî)

• ºãö‡ãŠ ¶ãñ ºãü¡ñ ¹ãõ½ãã¶ãñ ¹ãÀ ºãìãäÊã¾ã¶ã ̾ãÌãÔãã¾ã Íãì ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ã¶ãñ‡ãŠ
¹ãÖÊã ‡ãŠãè Ööý
• ÔÌã¥ãà ãäÔã‡ã‹‡ãŠãò ‡ãŠãè ŒãìªÀã ãäºã‰ãŠãè ‡ãŠÀ¶ãñ ÌããÊããè ÍããŒãã‚ããò ‡ãŠãè Ôã⌾ãã
ÌãÓãà 2008 ½ãò 250 ©ããè •ããñ ºãü¤‡ãŠÀ ÌãÓãà 2009 ½ãò 518 Öãñ ØãƒÃý ƒÔã
¾ããñ•ã¶ãã ‡ãŠãñ ÌãÓãà 2009-10 ½ãò ªñÍã ‡ãñŠ Ôã¼ããè ½ãÖ¦Ìã¹ãî¥ãà ‡ãòŠ³ãò ½ãò ÊããØãî
‡ãŠÀ ã䪾ãã •ãã†Øããý ƒÔããè ‡ãñŠ Ôãã©ã ÔÌã¥ãà ãäÔã‡ã‹‡ãŠãò ‡ãŠãè ãäºã‰ãŠãè ‡ãŠÀ¶ãñ ÌããÊããè
ÍããŒãã‚ããò ‡ãŠãè Ôã⌾ãã ÊãØã¼ãØã 1100 Öãñ •ãã†Øããèý ºãö‡ãŠ ‡ãŠãÀ¹ããñÀñ›
ØãÆãÖ‡ãŠãò ‡ãŠãñ „¶ã‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã ‡ãñŠ ‚ã¶ãìÔããÀ ÔÌã¥ãà ãäÔã‡ã‹‡ãŠãò ‡ãŠãè ‚ãã¹ãîãä¦ãÃ
¼ããè ‡ãŠÀ¦ãã Ööý
• ºãö‡ãŠ ´ãÀã •ããõÖãäÀ¾ããò ‡ãŠãñ £ãã¦ãì ¨ãÉ¥ããò ½ãò ãä¶ãÌãñÍã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÜãÀñÊãî
ºãã•ããÀ Ôãñ ÔÌã¥ãà •ãì›ã¶ãñ ‡ãñŠ ãäÊㆠ50 ÍããŒãã‚ããñ ½ãò ÔÌã¥ãà •ã½ãã ¾ããñ•ã¶ãã
ãä¹ãŠÀ Ôãñ Íãì ‡ãŠãè ØãƒÃý
• ºãö‡ãŠ ½ãìâºãƒÃ ½ãò †‡ãŠ ‚ãÊãØã ºãìãäÊã¾ã¶ã ÍããŒãã Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãñ •ãã ÀÖã Öõ
ãä•ãÔãÔãñ ºãìãäÊã¾ã¶ã ̾ãÌãÔãã¾ã ¹ãÀ £¾ãã¶ã ‡ãòŠã䳦ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý
Üã. ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ (†¶ãºããè•ããè)
• ºãö‡ãŠ ‡ãñŠ ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ (†¶ãºããè•ããè) ½ãò ¦ããè¶ã ̾ãÌãÔãã¾ã Ôã½ãîÖ
‚ãã¦ãñ Ööý ¾ãñ Öö Ìãõ¾ããä‡ã‹¦ã‡ãŠ ºãöãä‡ãâŠØã, ÊãÜãì †Ìã⠽㣾ã½ã „²ã½ã (†ÔㆽãƒÃ)
‚ããõÀ ÔãÀ‡ãŠãÀãè ºãöãä‡ãâŠØã ¦ã©ãã ¾ãÖ 31.03.2009 ‡ãŠãñ ‡ãìŠÊã ªñÍããè¾ã ¨ãÉ¥ã
½ãò 34.41% ‚ããõÀ ‡ãìŠÊã ªñÍããè¾ã •ã½ããÀããäÍã¾ããò ½ãò (‚ãâ¦ãÀ ºãö‡ãŠ •ã½ããÀããäÍã¾ããò
‡ãŠãñ œãñü¡‡ãŠÀ) 59.21% ãäÖÔÔãã Ôãâ¼ããÊã¦ãã Öõý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ãÔã½ã ½ãò Ôããñ¶ã¹ãìÀ (‡ãŠã½ã¹ã ãä•ãÊãã) ½ãò 11,111Ìããé
ÍããŒãã ŒããñÊã‡ãŠÀ ºãö‡ãŠ ¶ãñ †‡ãŠ ‚ããõÀ ½ããèÊã ‡ãŠã ¹ã¦©ãÀ ¹ããÀ ãä‡ãŠ¾ããý ƒÔã
ÍããŒãã ‡ãŠã „ªáÜã㛶㠕ã¶ãÌãÀãè 09 ½ãò ½ãã¶ã¶ããè¾ã ØãðÖ½ãâ¨ããè Ñããè ¹ããè. ãäÞãªâºãÀ½ã
´ãÀã ãä‡ãŠ¾ãã Øã¾ããý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã, Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãŠã ãäÌãÊã¾ã Öãñ •ãã¶ãñ ‡ãñŠ
‡ãŠãÀ¥ã 461 ÍããŒãã‚ããò ‡ãñŠ •ãìü¡ •ãã¶ãñ ‡ãñŠ ‚ãÊããÌãã, ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã
Ôã½ãîÖ ‚ããõÀ ØãÆã½ããè¥ã ºãöãä‡ãâŠØã Ôã½ãîÖ ‡ãñŠ ‚ãâ¦ãØãæã 807 ¶ãƒÃ ªñÍããè¾ã ÍããŒãã†â
ŒããñÊããè ØãƒÄ ‚ããõÀ ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ½ãò ºãö‡ãŠ ‡ãñŠ ¹ããÔã 11,448
ªñÍããè¾ã ÍããŒãã‚ããò ‡ãŠã †‡ãŠ ̾ãã¹ã‡ãŠ ¶ãñ›Ìã‡ãÊ ©ããý
Ìãõ¾ããä‡ã‹¦ã‡ãŠ ºãöãä‡ãâŠØã ̾ãÌãÔãã¾ã ƒ‡ãŠãƒÃ (¹ããèºããèºããè¾ãî) ‡ãŠã 31.03.09 ‡ãŠãñ
ºãö‡ãŠ ‡ãñŠ ‡ãìŠÊã ªñÍããè¾ã Œãâ¡ÌããÀ ‚ããäØãƽããò ½ãò ÊãØã¼ãØã 23.66% ‚ããõÀ
ªñÍããè¾ã •ã½ããÀããäÍã¾ããò ½ãò 51.44% ‡ãŠã ‚ãâÍãªã¶ã ©ããý Ôã½ãîÖ ªñÍã¼ãÀ ½ãò
¹ãõŠÊããè ‚ã¹ã¶ããè 11,448 ÍããŒãã‚ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ‚ã¹ã¶ãñ ƒÔã ‡ãŠãÀãñºããÀ
‡ãŠã ÔãâÞããÊã¶ã ‡ãŠÀ¦ãã Öõý
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ¹ããèºããèºããè¾ãî ‡ãŠã ãä¶ãÓ¹ã㪶ã ãä¶ã½¶ããäÊããäŒã¦ã
¦ãããäÊã‡ãŠã ½ãò ã䪾ãã Øã¾ãã Öõ :
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
ãäÌãÌãÀ¥ã 31.03.08 31.03.09 Ìãðãä® ‡ãŠã
‡ãŠãñ ‡ãŠãñ %
•ã½ããÀããäÍã¾ããú 2,43,814 3,39,326 39.17
‚ããäØãƽã 90,473 1,06,954 18.22
• ã䪶ããâ‡ãŠ 31/03/2009 ‡ãŠãñ ̾ããä‡ã‹¦ãØã¦ã ‚ããÌããÔã ¨ãÉ¥ã ÔãâãäÌã¦ãÀ¥ããò ‡ãñŠ
‚ã¶ãìÔããÀ ƒÔã ÌãÓãà ‚ã¶ãìÔãîãÞä ã¦ã Ìãããä¥ãã䕾ã‡ãŠ ºãö‡ãŠãò (†ÔãÔããèºããè) ‚ããõÀ ‚ããÌããÔã
ãäÌ㦦㠇ã⊹ããä¶ã¾ããò (†ÞㆹãŠÔããè) ‡ãñŠ ºããèÞã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ †‡ãŠ ºããÀ
ãä¹ãŠÀ Ôãñ †‡ãŠ ‚ãØãÆ¥ããè ‡ãñŠ ¹㠽ãò „¼ãÀ‡ãŠÀ Ôãã½ã¶ãñ ‚ãã¾ãã Öõ.
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã ÜããñãäÓã¦ã
¹ãÆãñ¦ÔããÖ¶ããò ‡ãŠãñ ªñŒã¦ãñ Öì† ¦ããè¶ã ¶ã† „¦¹ã㪠- ‚ã©ããæã, †Ôãºããè‚ããƒÃ
ãäÌãÍãñÓã ØãðÖ ¨ãÉ¥ã, †Ôãºããè‚ããƒÃ Öõ¹ããè Öãñ½ã ¨ãɥ㠂ããõÀ †Ôãºããè‚ããƒÃ ÊãヹãŠ
Ô›ãƒÊã ¹ãÆãÀâ¼ã ãä‡ãŠ†ý ƒ¶ã ¹ãÖÊããò Ôãñ ‚ããÌããÔã ¨ãɥ㠌ãâ¡ ½ãò ‡ãŠ½ã ÊããØã¦ã
ÌããÊãñ ‚ããõÀ Ôãã½ã©¾ãà ¼ããè¦ãÀ ¨ãÉ¥ããò ‡ãŠãè „¹ãÊ㺣ã¦ãã ºãü¤ã¶ãñ ½ãò ½ãªª ãä½ãÊããè
ãä•ãÔãÔãñ ¶ã† ‚ããÌããÔã ¨ãÉ¥ããò ½ãò ØãÆãÖ‡ãŠãò ‡ãŠãè ÁãäÞã ºãü¤ãèý †Ôãºããè‚ããƒÃ ØãÆãè¶ã
Öãñ½ã Íãì ‡ãŠÀ‡ãñŠ ¼ãÌã¶ã ãä¶ã½ããæãã‚ããò ‡ãŠãñ ¹ã¾ããÃÌãÀ¥ã ‚ã¶ãì‡ãîŠÊã ‚ããÌããÔã
¹ããäÀ¾ããñ•ã¶ãã†ú Êãã¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆãñ¦Ôãããä֦㠇ãŠÀ¶ãñ ‡ãŠã ¹ãƾããÔã ãä‡ãŠ¾ãã Øã¾ããý
• ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ãäÍãàãã ¨ãÉ¥ããò ½ãò ºãã•ããÀ ½ãò ÔãºãÔãñ ‚ããØãñ Öõ ‚ããõÀ
ÔãÀ‡ãŠãÀãè àãñ¨ã ‡ãñŠ ºãö‡ãŠãò ½ãò ‚ã¹ã¶ãã 24 ¹ãÆãä¦ãÍã¦ã ºãã•ããÀ ‚ãâÍã ºã¶ãㆠÖì†
Öõý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÍãàãã ¨ãÉ¥ããò ½ãò Á. 2,203.33 ‡ãŠÀãñü¡ ‡ãŠãè Ìãðãä®
ÖìƒÃý ‚ãヂãテ½ã/‚ãヂãホãè/†‚ãヂãテ½ã†Ôã/¹ãƺãâ£ã¶ã ÔãâÔ©ãã¶ããò
‚ãããäª •ãõÔãñ 59 ãäÌããäÍãÓ› ÔãâÔ©ãã¶ããò ½ãò ¹ãÆÌãñÍã Êãñ¶ãñ ÌããÊãñ ãäÌã²ãããä©ãþããò ‡ãñŠ
ãäÊㆠãäÀ¾ãã¾ã¦ããè º¾ãã•ã ªÀãò ‚ããõÀ Íã¦ããô ¹ãÀ †Ôãºããè‚ãムԇãŠãùÊãÀ ¨ãÉ¥ã
Ôããè½ãã ‡ãŠãñ ãäÌãÔ¦ãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý ¨ãÉ¥ã Ôããè½ãã ºãü¤ã‡ãŠÀ Á. 15 ÊããŒã
‡ãŠÀ ªãè ØãƒÃ Öõý

34

C34 K34
• 5 Mid-Corporate Loan Administration Units, Table : 5 NBG – Highlights
which provide centralized processing, servicing (Amount in Rs. crores)
& documentation facilities to MCG customers,
mainly at Off-site Centres, were brought under Particulars As on As on growth
31.03.2008 31.03.2009 %
MCG's control during the year.
Deposits
New Products
(excluding
• Import factoring, a new product, was launched inter bank) 2,99,644 4,12,329 37.61
in association with SBI Factors & Commercial
Advances
Services Ltd.
(excluding
C.1 Gold Banking food and
inter bank) 1,32,545 1,53,814 16.05
• The Bank has taken several initiatives to
undertake bullion business in a big way.
D.1 Personal Banking Business Unit (PBBU)
• The number of branches for retail sale of gold PBBU handles about 23.66 % of the total domestic
coins has increased from 250 in 2008 to 518 segmental advances and 51.44% of the total
in 2009. The Scheme will be extended to domestic deposits of the Bank as on 31.03.09
cover all important centres of the country in through 11,448 branches spread throughout India.
2009-10 by increasing the number of branches Performance of PBBU during 2008-09 is given in
selling gold coins to about 1100. The Bank the following table :
also undertakes supply of customised gold
(Amount in Rs. crores)
coins to corporates.
Particulars As on As on growth
• The Bank has re-launched Gold Deposit 31.03.2008 31.03.2009 %
Scheme at 50 branches to mobilise gold from
domestic market for deployment as metal Deposits 2,43,814 3,39,326 39.17
loans to jewellers. Advances 90,473 1,06,954 18.22
• The Bank is in the process of setting up a • SBI once again emerged as a leader among Scheduled
dedicated Bullion branch at Mumbai to Commercial Banks (SCBs) and Housing Finance
undertake bullion business in a focussed manner. Companies (HFCs) this year in terms of Individual
Home Loans disbursements as on 31.03.2009.
D. NATIONAL BANKING GROUP (NBG)
• National Banking Group consists of three • During the year, SBI introduced three new products
Business Groups viz., Personal Banking, Small viz., SBI Special Home Loan, SBI Happy Home
Loan and SBI Lifestyle in response to the stimulus
& Medium Enterprise (SME), and Government
package announced by the Government of India.
Banking and handles 34.41% of the total
These initiatives have resulted in stimulating
domestic credit and 59.21% of the total domestic
supply in low cost and affordable housing segment,
deposit business (excluding inter bank deposits)
which in turn has rejuvenated customers' interest
of the Bank as on 31.03.2009.
in new housing. SBI Green Home has been
• During the year, the Bank achieved another introduced to encourage developers to come out
milestone by opening its 11,111th Branch at with environment friendly residential projects.
Sonapur (Kamrup District) in Assam, which
• SBI is the market leader in Education Loans
was inaugurated in Jan 09 by the Hon. Home
and maintaining its market share of 24%
Minister Shri P. Chidambaram.
amongst PSU banks. The growth in Education
• During the year, apart from an addition of 461 Loans during the year is Rs. 2,203.33 crores.
branches on account of SBS merger, 807 new SBI Scholar Loan limit is extended to students
domestic branches were also opened (under joining 59 elite institutions like IIMs / IITs/
NBG and RBG), and the Bank had a vast AIIMS / Management Institutions etc. at
network of 11,448 domestic branches at the end concessional interest rates and terms. The limit
of March 2009. for the loans has been increased to Rs.15 lacs.

35

C35 K35
• ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ã‡ã‹¦ãîºãÀ 2008 Ôãñ 13% Ôãñ ‚ããä£ã‡ãŠ ‚ãâÍã
‡ãñŠ Ôãã©ã ½ããÁãä¦ã ‚ããõÀ Öì⡃à ‡ãŠãÀãò ‡ãŠã ÔãºãÔãñ ºãü¡ã ãäÌ㦦ã¹ããñÓã‡ãŠ
ºã¶ã Øã¾ãã Öõý
• †•ããè ¶ããèÊãÔã¶ã †¥¡ ‡ã⊹ã¶ããè ‡ãñŠ ÔãÖ¾ããñØã Ôãñ Ôãã膶ãºããèÔããè ›ãèÌããè18 ´ãÀã
‡ãŠÀㆠØㆠ†‡ãŠ ÔãÌãóàã¥ã ½ãò Ôãã膶ãºããèÔããè ‚ããÌãã•ã „¹ã¼ããñ‡ã‹¦ãã ¹ãìÀÔ‡ãŠãÀãò
½ãò ºãö‡ãŠ ‡ãŠãñ ÊãØãã¦ããÀ ¦ããèÔãÀñ ÌãÓãà ``‚㦾ããä£ã‡ãŠ ¹ãÔãâªãèªã ‚ããÌããÔã ¨ãÉ¥ã''
¦ã©ãã `‚㦾ããä£ã‡ãŠ ¹ãÔãâªãèªã ºãö‡ãŠ' ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ããý
• ºãö‡ãŠ ‡ãŠãñ ‚ãã„›Êãì‡ãŠ ½ã¶ããè ´ãÀã ¼ããè ÌãÓãà 2008 ‡ãñŠ ãäÊㆠ`ÔãÌããó¦‡ãðŠÓ›
ØãðÖ ¨ãÉ¥ã¹ãƪã¦ãã' ‚ããõÀ `ÔãÌãÃÑãñÓŸ ºãö‡ãŠ' Þãì¶ãã Øã¾ãã Öõý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ºãö‡ãŠ ¶ãñ ›ã›ã ‡ãŠãè `¶ãõ¶ããñ' ‡ãŠãÀãò ‡ãŠã ºãìãä‡ãâŠØã ‡ãŠã¾ãà Ôãâ¼ããÊã¶ãñ
‡ãñŠ ãäÊㆠ›ã›ã ½ããñ›Ôãà ‡ãñŠ Ôãã©ã †‡ãŠ ãäÌããäÍãÓ› ‡ãŠÀãÀ ãä‡ãŠ¾ããý
• ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ÌãñºãÔãホ ¹ãÀ Ìããֶ㠨ãɥ㠇ãñŠ Ôãâºãâ£ã ½ãò ¹ãîœñ
•ãã¶ãñ ÌããÊãñ ¹ãÆͶããò ‡ãŠã ¹ãâ•ããè‡ãŠÀ¥ã ‡ãŠÀã¶ãñ ‡ãñŠ ãäÊㆠ‚ããõÀ „¶ã ¹ãÀ ÍããèÜãƦãã Ôãñ
‚ã¶ãìÌã¦ããê ‡ãŠãÀÃÌããƒÃ ‡ãŠÀ¶ãñ ¦ã©ãã „¶Öò Ìããֶ㠨ãÉ¥ããò ‡ãñŠ ¹㠽ãò ¹ããäÀÌããä¦ãæ㠇ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ‚ããù¶ã Êãヶ㠂ããÌãñª¶ã ¹ãŠã½ãà ‡ãŠãè ÍãìÁ‚ãã¦ã ‡ãŠãè Öõý
• 1000 ã䪶ããò ‡ãñŠ ãäÊㆠ•ã½ããÀããäÍã¾ããâ ÔãâØãðÖãè¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†Ôãºããè‚ããƒ-
1000 ‡ãñŠ ¶ãã½ã Ôãñ †‡ãŠ ãäÌãÍãñÓã •ã½ãã „¦¹ã㪠Íãì ãä‡ãŠ¾ãã Øã¾ãã ãä•ãÔãñ
¼ããÀãè Ôã¹ãŠÊã¦ãã ¹ãÆ㹦ã ÖìƒÃ ‚ããõÀ ƒÔãÔãñ ÊãØã¼ãØã Á. 40,000 ‡ãŠÀãñû¡
ÔãâØãðÖãè¦ã Öì†ý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ƒãä‡ã‹Ìã›ãè ‚ããä¼ãªã¶ããò, ‚ãヹããè‚ããñ ‚ããõÀ Àホ
Íãñ¾ãÀãò ‡ãñŠ ãäÊㆠ‚ããÌãñª¶ã ‡ãŠÀ¶ãñ ½ãò ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãè ÔãÖã¾ã¦ãã Öñ¦ãì ††Ôãºããè†
(ºÊãã‡ã‹¡ Œãã¦ãñ ‡ãŠãè ÔãÖã¾ã¦ãã Ôãñ ‚ããÌãñª¶ã ‡ãŠÀ¶ãñ) ‡ãñŠ ãäÊㆠ`ƒÃ-ƒ¶ÌãñÔ›'
¾ããñ•ã¶ãã Íãì ‡ãŠãè Öõý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ 174 ÊããŒã Ôãñ ‚ããä£ã‡ãŠ ¶ã† ºãÞã¦ã ºãö‡ãŠ Œãã¦ãñ
ŒããñÊãñ •ãºããä‡ãŠ ãä¹ãœÊãñ ÌãÓãà 78 ÊããŒã Œãã¦ãñ ŒããñÊãñ Øㆠ©ãñý
Üã.2 †ÔㆽãƒÃ ̾ãÌãÔãã¾ã ƒ‡ãŠãƒÃ (†ÔㆽãƒÃºããè¾ãî)
• ºãö‡ãŠ †ÔㆽãƒÃ àãñ¨ã ‡ãñŠ †‡ãŠ ¨ãÉ¥ãªã¦ãã ‡ãñŠ ¹㠽ãò ÔãºãÔãñ ‚ããØãñ ºã¶ãã
Öì‚ãã Öõý †ÔㆽãƒÃ àãñ¨ã Ôãñ ̾ãÌãÔãã¾ã •ãì›ã¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ºãÖìãäÌã£ã-
‡ãŠã¾ãöããèãä¦ã¾ããâ ‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠÀ ÀÖã Öõý „¶Öò ‚ã¶ãñ‡ãŠ ¹ãƇãŠãÀ ‡ãñŠ „¦¹ããª
†Ìãâ ÔãñÌãã†â ½ãìÖõ¾ãã ‡ãŠÀã ÀÖã Öõý †ÔㆽãƒÃ ‡ãŠãñ ã䪆 Øㆠ‚ããäØãƽ㠺ãö‡ãŠ ‡ãñŠ
‡ãìŠÊã ªñÍããè¾ã ‚ããäØãƽããò ‡ãŠã 20.66 ¹ãÆãä¦ãÍã¦ã Öõâý †ÔㆽãƒÃ ‡ãñŠ ‚ãâ¦ãØãæã
ºãö‡ãŠ ‡ãŠã ̾ãÌãÔãã¾ã ãä¶ãÓ¹ã㪶ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ:
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã† ½ãò)
ãäÌãÌãÀ¥ã 31.03.08 31.03.09 Ìãðãä® ‡ãŠã
‡ãŠãñ ‡ãŠãñ % ¹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
•ã½ããÀããäÍã¾ããâ 1,67,426 2,20,468 33.48
‚ããäØãƽã 79,717 95,893 20.29
36
C36 K36
ÌãÓãà ‡ãñŠ ªãõÀã¶ã „¹ãÊãã亣ã¾ããâ/¶ã† ¹ãƾããÔã
• ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãñŠ £ããè½ããè Öãñ¶ãñ ¹ãÀ, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ½ãò †ÔㆽãƒÃ
ºãöãä‡ãâŠØã ‡ãñŠ ãäÊㆠ‚ã¶ãñ‡ãŠ ÀãÖ¦ãò †Ìãâ ãäÀ¾ãã¾ã¦ãò ªãè ØãƒÄý †ÔㆽãƒÃ ƒ‡ãŠãƒ¾ããò
‡ãŠãè ¦ãìÀâ¦ã ãä¶ããä£ã ‡ãŠãè ‚ã¹ãñàãã‚ããò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠªãñ ¶ãƒÃ ¾ããñ•ã¶ãã†â,
‚ã©ããæ㠆Ôㆽム‡ãñŠ¾ãÀ ‚ããõÀ †ÔㆽãƒÃ Öñʹã Íãì ‡ãŠãè ØãƒÃ Ööý ƒ¶ã
¾ããñ•ã¶ãã‚ããò ‡ãñŠ ‚ãâ¦ãØãæã, „ªãÀãè‡ãðŠ¦ã Íã¦ããô †Ìãâ 8 ¹ãÆãä¦ãÍã¦ã ÌãããäÓãÇ㊠ãäÀ¾ãã¾ã¦ããè
º¾ãã•ã ªÀ ¹ãÀ ãäÌ㦦ã ÔãâÔÌããè‡ãðŠ¦ã ãä‡ãŠ¾ãã •ãã ÀÖã Öõý
• „²ããñØã ‡ãñŠ ºãü¡ñ ãäÌã‰ãñŠ¦ãã‚ããò Ôãñ Êãñ‡ãŠÀ ‚ããõÀ „¶ã‡ãñŠ ¡ãèÊãÀãò ¦ã‡ãŠ Ôã¼ããè ‡ãŠãñ
ãäÌ㦦㠹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÌãÓãà ‡ãñŠ ªãõÀã¶ã †‡ãŠ ‡ãñŠ¶³ãè‡ãðŠ¦ã ƒ‡ãŠãƒÃ ¶ãñ
‡ãŠã¾ãà ‡ãŠÀ¶ãã Íãì ‡ãŠÀ ã䪾ãã Öõý
• ›Èñ¡Ôãà ƒ•ããè Êããñ¶ã, †ÔㆽãƒÃ Ô½ãã›Ã Ô‡ãŠãñÀ ‚ããõÀ †ÔㆽãƒÃ ‰ãñŠãä¡›
‡ãŠã¡Ã ¾ããñ•ã¶ãã‚ããò Öñ¦ãì †Ôãºããè‚ãムÌãñºãÔãホ ‡ãñŠ ½ã㣾ã½ã Ôãñ ¨ãɥ㠂ããÌãñª¶ããò
‡ãŠã Ìãñºã ‚ãã£ãããäÀ¦ã ¹ãâ•ããè‡ãŠÀ¥ã Íãì ãä‡ãŠ¾ãã Øã¾ããý
• ½ãìâºãƒÃ ½ãò †‡ãŠ ãäÌãÍãñÓã ‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ› ÍããŒãã ŒããñÊããè ØãƒÃ ãä•ãÔã¶ãñ ¹ããÌãÀ
†‡ã‹ÔãÞãò•ã, ‡ãŠÀòÔããè †‡ã‹ÔãÞãò•ã •ãõÔãñ ãäÌããä¼ã¸ã †‡ã‹ÔãÞãò•ããò ‡ãñŠ ãäÊㆠÔã½ããÍããñ£ã¶ã
†Ìãâ Ôã½ãã£ãã¶ã ‡ãŠã ‡ãŠã¾ãà ‡ãŠÀ¶ãã Íãì ‡ãŠÀ ã䪾ãã Öõý
• ºãö‡ãŠ ¶ãñ ¼ããÀ¦ããè¾ã ºãöãä‡ãâŠØã ÔãâãäÖ¦ãã ‚ããõÀ ½ãã¶ã‡ãŠ ºããñ¡Ã (ºããèÔããè†Ôãºããè‚ããƒ)
‡ãñŠ ‚ãâ¦ãØãæã ̾ããäÓ› †Ìãâ ÊãÜãì „²ã½ã ØãÆãÖ‡ãŠãò ‡ãñŠ ãäÊㆠºãö‡ãŠ ¹ãÆãä¦ãºã®¦ãã
ÔãâãäÖ¦ãã ‡ãŠãñ ‚ã¹ã¶ãã ãäÊã¾ãã Öõý
• ºãö‡ãŠ ¶ãñ ªñÍã ¼ãÀ ½ãò Ôã¼ããè Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ããò ½ãò àãñ¨ããè¾ã †½ã†ÔㆽãƒÃ
‡ãñŠ¾ãÀ ‡ãñŠ¶³ Ô©ãããä¹ã¦ã ãä‡ãŠ† Öö ãä•ãÔãÔãñ †½ã†ÔㆽãƒÃ ØãÆãÖ‡ãŠãò ‡ãŠãè ãäÍã‡ãŠã¾ã¦ããò
‡ãŠã ½ã¥¡Êã ‡ãñŠ ¶ãñ›Ìã‡ãÊ Ô¦ãÀ ¹ãÀ ÍããèÜãÆ ãä¶ãÌããÀ¥ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý
• ãäÌ㦦ããè¾ã ÌãÓãà 2007-08 ‡ãñŠ ãäÊㆠ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ ̾ããäÓ›, ÊãÜãì †Ìãâ
½ã£¾ã½ã „²ã½ã ½ãâ¨ããÊã¾ã ¶ãñ ºãö‡ãŠ ‡ãŠãñ ãä¶ã½¶ããäÊããäŒã¦ã ÀãÓ›Èãè¾ã ¹ãìÀÔ‡ãŠãÀ
¹ãƪã¶ã ãä‡ãŠ† Öö:
(i) `̾ããäÓ› „²ã½ããò ‡ãñŠ ¨ãÉ¥ãã¶Ìã¾ã¶ã ½ãò „¦‡ãðŠÓ›¦ãã Öñ¦ñ ãì ÀãÓ›Èã¾è ã ¹ãìÀÔ‡ãŠãÀãò'
‡ãñŠ ‚ãâ¦ãØãæ㠹ãÆ©ã½ã ¹ãìÀÔ‡ãŠãÀý
(ii) `†½ã†ÔãƒÃ ‡ãñŠ ¨ãÉ¥ãã¶Ìã¾ã¶ã ½ãò „¦‡ãðŠÓ›¦ãã Öññ¦ãì ÀãÓ›Èãè¾ã ¹ãìÀÔ‡ãŠãÀãò'
‡ãñŠ ‚ãâ¦ãØãæã ãä´¦ããè¾ã ¹ãìÀÔ‡ãŠãÀý
(iii) ¡î¶ã †¥¡ ºãÆã¡Ô›Èãè› ´ãÀã †ÔㆽãƒÃ ‡ãŠãñ ãäÌ㦦㠹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ
àãñ¨ã ½ãò ÔãÌããó¦‡ãðŠÓ› ãä¶ãÓ¹ã㪶㠇ãñŠ ãäÊㆠ¼ããè ºãö‡ãŠ ‡ãŠãñ †‡ãŠ ¹ãìÀÔ‡ãŠãÀ
• „²ããñØã Ôãñ •ãìü¡ãè Ôã½ãÔ¾ãã‚ããò, ÑãñÓŸ ¹ãÆ©ãã‚ããò ‚ãããäª ¹ãÀ ÞãÞããà ‡ãŠÀ‡ãñŠ
„¼ãÀ¦ãñ Öì† †ÔㆽãƒÃ „²ã½ããò ‡ãŠãñ ÔãÍã‡ã‹¦ã ºã¶ãã¶ãñ ‡ãñŠ ãäÊã†, ºãö‡ãŠ ¶ãñ û•ããè
ãäºã•ã¶ãñÔã Þãõ¶ãÊã ¹ãÀ 13 ‚ãâ‡ãŠ ¹ãÆã¾ããñãä•ã¦ã ãä‡ãŠ† Ööý
• SBI became the largest financier of Maruti and
Hyundai cars with penetration of more than
13% since October 2008.
• The Bank was voted, for the third year in a
row, as the “Most Preferred Housing Loan” and
“Most Preferred Bank” in the CNBC AWAAZ
Consumer Awards in a survey conducted by
CNBC TV18 in association with AG Nielsen &
Company.
• The Bank was also awarded the “Best Home
Loan Provider” as well as “The Best Bank” by
Outlook Money Awards, 2008.
• During the year, the Bank also entered into
an exclusive arrangement with TATA Motors
for handling the booking process of TATA
“Nano” cars.
• SBI has launched on its web-site an on-line
application form for registering Auto Loan
enquiries and expeditiously monitoring and
converting these leads into Auto Loans.
• A special deposit product namely SBI-1000 was
introduced to mop up deposits for 1000 days
which was a huge success and resulted in
mopping up around Rs.40,000 crores.
• During the year, the Bank also launched
“e-invest” for the ASBA (applications
supported by blocked accounts) to aid
investors for their equity subscriptions, IPO
and Rights applications.
• The Bank opened over 174 lacs of new
Savings Bank accounts during the year as
against 78 lacs in the previous year.
D.2 SME Business Unit (SMEBU)
The Bank continues to retain its premier position
as a lender to the SME sector. The Bank has been
implementing multiple strategies to attract
business from the SME segment offering them a
slew of products and services. Advances to SMEs
constitute 20.66% of Bank's total domestic
advances. The business performance of the Bank
under SME is as under:
(Amount in Rs. crores)
Particulars As on As on Growth
31.03.2008 31.03.2009 % •
Deposits 1,67,426 2,20,468 33.48
Advances 79,717 95,893 20.29
37
C37 K37
Achievements/Initiatives during the year
• With the downturn in the economy, a slew of
reliefs and concessions have been offered to SMEs
banking with SBI. Two new schemes viz. SME
CARE and SME Help were launched to meet the
urgent fund requirements of SME units. Under
these schemes, finance is being sanctioned on
liberalised terms and at a concessional rate of
interest of 8% p.a.
• A Centralised Unit for Supply Chain Finance was
operationalised during the year to finance vendors
of industry majors and their dealers.
• Web based registration of loan applications
through SBI website was launched for Traders
Easy Loan, SME Smart Score and SME Credit
Card Schemes.
• A Special Capital Market Branch was opened at
Mumbai which has started clearing and
settlement operations for various exchanges like
Power Exchanges, Currency Exchanges.
• Bank has adopted the Code of Bank's
commitment to Micro and Small Enterprise
customers under the Banking Codes & Standards
Board of India (BCSBI).
• Bank has established Regional MSME Care
Centres at all Local Head Offices across the
country to facilitate MSME customers for quick
redressal of their grievances at the network level
of a circle.
• The Bank was conferred the following National
awards by the Government of India (GOI),
Ministry of Micro Small and Medium Enterprises
for the FY 2007-08:
(i) First under "National Awards for excellence
in lending to Micro Enterprises".
(ii) Second under "National Awards for
Excellence in MSE Lending".
(iii)The Bank was also presented an award for
outstanding performance in the area of finance
to SMEs by Dun & Bradstreet.
To empower the emerging SME entrepreneurs by
discussing specific industry problems, best
practices etc., the Bank has sponsored 13 episodes
in Zee Business channel.
Üã.3 ÔãÀ‡ãŠãÀãè ̾ãÌãÔãã¾ã ƒ‡ãŠãƒÃ (•ããèºããè¾ãî)
• ¹ãòÍã¶ã ‡ãŠãñ Ôã½ã¾ã Ôãñ ‚ããõÀ „Ôã‡ãŠãè ÔãÖãè ÀããäÍã •ã½ãã ‡ãŠÀ¶ãñ ¦ã©ãã ¹ãòÍã¶ãÀãò
‡ãŠãñ ¹ãòÍã¶ã ‡ãŠãè ºã‡ãŠã¾ãã ÀããäÍã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†, 14 ‡ãñŠ¶³ãè‡ãðŠ¦ã
¹ãòÍã¶ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ (Ôããè¹ããè¹ããèÔããè) Ô©ãããä¹ã¦ã ãä‡ãŠ† ØㆠÖö ‚ããõÀ 9116
ÍããŒãã‚ããò ‡ãñŠ 27.38 ÊããŒã ¹ãòÍã¶ã Œãã¦ããò ‡ãŠãñ ƒ¶ã 14 ‡ãñŠ¶³ãè‡ãðŠ¦ã
¹ãòÍã¶ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ãò ½ãò ‚ãâ¦ããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
• 143 ‡ãŠãÀ¹ããñÀñ›ãò ‡ãŠãñ ÀñÊã ¼ããü¡ã ‡ãŠã ƒÃ-¼ãìØã¦ãã¶ã ‡ãŠÀ¶ãñ ‡ãŠãè ÔãìãäÌã£ãã
¹ãƪã¶ã ‡ãŠãè ØãƒÃ Öõ ‚ããõÀ ‚ããä£ã‡ãŠããä£ã‡ãŠ ‡ãŠãÀ¹ããñÀñ› ƒÔã ¶ãƒÃ ÔãìãäÌã£ãã•ã¶ã‡ãŠ
24x7 ÔÌã¦ã: ¼ãìØã¦ãã¶ã ¹ãÆ¥ããÊããè ‡ãŠãñ ‚ã¹ã¶ãã ÀÖñ Ööý
• ‡ãŠÀãò ‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠƒâ›À¶ãñ› ºãöãä‡ãâŠØã ÔãìãäÌã£ãã ‡ãŠãñ Êããñ‡ãŠãä¹ãƾã
ºã¶ãã¾ãã Øã¾ãã Öõ ãä•ãÔã‡ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹㠺ãö‡ãŠ ‡ãŠãè Ôããèºããè¡ãè›ãè ¹ãÆãã书ã¾ããò
‡ãŠã 59.96% ‚ããõÀ ÔããèºããèƒÃÔããè ¹ãÆãã书ã¾ããò ‡ãŠã 60.44% ‚ãºã
ƒÊãñ‡ã‹›Èããä¶ã‡ãŠ ½ã㣾ã½ã Ôãñ ¹ãÆ㹦ã Öãñ¦ãã Öõý
• ‚ãã¾ã-‡ãŠÀ ‡ãŠã ƒÊãñ‡ã‹›Èããä¶ã‡ãŠ ãäÀ¹ãŠ¥¡ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠãäÀ¹ãŠ¥¡ ºãö‡ãŠÀ
¾ããñ•ã¶ãã ƒÔã Ôã½ã¾ã 6 ‡ãñŠ¶³ãò, ‚ã©ããæã ãäªÊÊããè, ½ãìâºãƒÃ, ‡ãŠãñÊã‡ãŠã¦ãã,
Þãñ¸ãƒÃ, ºãâØãÊãîÀ ‚ããõÀ ¹ã›¶ãã ½ãò ‡ãŠã¾ãÃÀ¦ã Öõ ‚ããõÀ ƒÔãñ ÞãÀ¥ãºã® ¤âØã Ôãñ
‚㶾㠇ãñŠ¶³ãò ½ãò ¼ããè Íãì ãä‡ãŠ¾ãã •ãã†Øããý
• 14 À㕾ããò ½ãò À㕾ã ÔãÀ‡ãŠãÀ ‡ãŠãè ¹ãÆãã书ã¾ããò ‡ãŠã ‚ããù¶ãÊãヶã ÔãâØãÆÖ¥ã
‡ãŠÀ¶ãñ Öñ¦ãì ÔãヺãÀ ›Èñ•ãÀãè ¾ããñ•ã¶ãã ‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ
ÍãñÓã À㕾ããò ‡ãŠãñ ƒÔã½ãò Íãããä½ãÊã ‡ãŠÀ¶ãñ ‡ãŠã ‡ãŠã¾ãà •ããÀãè Öõý
• ¶ããØããäÀ‡ãŠ ÔãñÌãã ‡ãñŠ¶³ãò (Ôããè†ÔãÔããè) ‡ãñŠ ½ã㣾ã½ã Ôãñ ¶ããØããäÀ‡ãŠãò Ôãñ ‡ãŠÀãò
†Ìãâ „¹ã¼ããñ‡ã‹¦ãã ãäºãÊããò ‡ãŠãè ÀããäÍã ‡ãŠã ÔãâØãÆ֥㠇ãŠÀ¶ãñ Öñ¦ãì „¶ã‡ãñŠ
ƒÃ-ØãÌã¶ãôÔã ¹ãÆã•ñ ãñ‡ã‹› ‡ãñŠ ãäÊㆠºãö‡ãŠ ãäªÊÊããè À㕾ã ÔãÀ‡ãŠãÀ ‡ãñŠ Ôãã©ã ¼ããØããèªãÀãè
‡ãŠÀ ÀÖã Öõý
Ý. ØãÆã½ããè¥ã ̾ãÌãÔãã¾ã Ôã½ãîÖ
• ØãÆã½ããè¥ã ̾ãÌãÔãã¾ã Ôã½ãîÖ Ôã¼ããè ØãÆã½ããè¥ã †Ìãâ ‚ã£ãÃ-ÍãÖÀãè ‡ãñŠ¶³ãò ½ãò ºãö‡ãŠ
‡ãŠã ‡ãŠãÀãñºããÀ Ôãâ¼ããÊã¦ãã Öõý Ìã¦ãýãã¶ã ½ãò ¾ãÖ Á. 2,15,931 ‡ãŠÀãñü¡ ‡ãñŠ
•ã½ãã ÔãâãäÌã¼ããØã ‚ããõÀ Á. 1,20,617 ‡ãŠÀãñü¡ ‡ãñŠ ¨ãÉ¥ã ÔãâãÌä ã¼ããØã ‡ãŠã
ÔãâÞããÊã¶ã ‡ãŠÀ ÀÖã Öõ, •ããñ 31.03.2009 ‡ãŠãñ ºãö‡ãŠ ‡ãŠãè ‡ãìŠÊã ªñÍããè¾ã •ã½ãã
†Ìãâ ¨ãÉ¥ã ÔãâãÌä ã¼ããØã ‡ãŠã ‰ãŠ½ãÍã: 32% †Ìãâ 26% Öõý
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã† ½ãò)
ãäÌãÌãÀ¥ã 31.03.08 31.03.09 Ìãðãä® ‡ãŠã
‡ãŠãñ ‡ãŠãñ % ‡ãŠãñ
•ã½ããÀããäÍã¾ããâ 1,65,852 2,15,931 30.19
‚ããäØãƽã 1,01,850 1,20,617 18.46
38
C38 K38
ÌãÓãà ‡ãñŠ „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã / ¶ã† ¹ãƾããÔã
• •ã½ãã †Ìãâ ‚ããäØãƽ㠪ãñ¶ããò ½ãò Ìãðãä® ‡ãŠãè ªÀ Ôã¼ããè ‚ã¶ãìÔãîãäÞã¦ã Ìãããä¥ãã䕾ã‡ãŠ
ºãö‡ãŠãò ‡ãŠãè ØãÆã½ããè¥ã †Ìãâ ‚ã£ãÃ-ÍãÖÀãè ÍããŒãã‚ããò ‡ãŠãè Ìãðãä® ªÀ ‡ãŠãè ¦ãìÊã¶ãã
½ãò ºãñÖ¦ãÀ ÀÖãèý ¹ããäÀ¥ãã½ãÔÌã¹ã, ØãÆã½ããè¥ã †Ìãâ ‚ã£ãà ÍãÖÀãè àãñ¨ããò ½ãò ºãö‡ãŠ
‡ãñŠ ºãã•ããÀ ‚ãâÍã ½ãò ½ããÞãà ‚ããõÀ ãäªÔãâºãÀ 2008 ‡ãñŠ ºããèÞã •ã½ãã‚ããò ½ãò
1.35% ‚ããõÀ ‚ããäØãƽããò ½ãò 1.27% ‡ãŠãè Ìãðãä® ÖìƒÃ ý
• ƒÔã Ôã½ãîÖ ½ãò ÞããÊãî Œãã¦ãã ‚ããõÀ ºãÞã¦ã Œãã¦ãã (‡ãŠãÔãã) •ã½ãã‚ããò ‡ãŠã „ÞÞã
‚ã¶ãì¹ãã¦ã (‡ãìŠÊã •ã½ãã‚ããò ‡ãŠã 54%) ƒÔã‡ãŠãè ‡ãŠ½ã ÊããØã¦ã ÌããÊããè •ã½ãã‚ããò
½ãò 5.23% ‡ãŠã ¾ããñØãªã¶ã ‡ãŠÀ¦ãã Öõ, •ããñ Ôã½¹ãî¥ãà ºãö‡ãŠ ‡ãŠãè ‡ãŠ½ã ÊããØã¦ã
ÌããÊããè •ã½ãã‚ããò ‡ãñŠ ‚ããõÔã¦ã 6.03% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‡ãŠã¹ãŠãè ‡ãŠ½ã Öõý
• ƒÔã ̾ãÌãÔãã¾ã ‡ãŠã¾ãà ¶ããèãä¦ã ½ãò ºãÖì Ô¦ãÀãè¾ã ̾ãÌãÔãã¾ã ÔãâØãÆ֥㠆•ãò›ãò
‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã ‡ãŠÀ¶ãñ ‡ãñŠ Ôãã©ã Ôãã©ã ‡ãŠã¾ããÃÊã¾ã Ô¦ãÀ ¹ãÀ ¹ãÆãä‰ãŠ¾ãã àã½ã¦ãã
ºãü¤ã¶ãñ •ãõÔãñ „¹ãã¾ã ãä‡ãŠ† ØㆠÖöý
• ºãã•ããÀ Ô¦ãÀ ¹ãÀ ̾ãÌãÔãã¾ã ÔãâØãÆ֥㠇ãŠã¾ãà ªÊã ½ãò ÍããŒãã‚ããò ‡ãñŠ ‚ãÊããÌãã
ãäÌã¹ã¥ã¶ã †Ìãâ ÌãÔãîÊããè ‚ããä£ã‡ãŠãÀãè (‚ããñ†½ã‚ããÀ) ‚ããõÀ ̾ãÌãÔãã¾ã ÔãÖ¾ããñØããè
¦ã©ãã ̾ãÌãÔãã¾ã ¹ãÆã¦ä ããä¶ããä£ã •ãõÔãñ Ìãõ‡ãŠãäʹã‡ãŠ ½ã㣾ã½ã Ôããä½½ããäÊã¦ã Ööý
• ÊãØã¼ãØã 4800 ‡ãŠãè Ôã⌾ãã ½ãò ãäÌã¹ã¥ã¶ã †Ìãâ ÌãÔãîÊããè ‚ããä£ã‡ãŠãÀãè ‚ãºã ¶ã
‡ãñŠÌãÊã „ÞÞã ÀããäÍã ÌããÊãñ ‡ãðŠãäÓ㠌㥡 ‡ãñŠ ¨ãÉ¥ããò ‡ãñŠ ãäÊㆠ‚ããä¹ã¦ãì Ôã¼ããè
Œã¥¡ãò ½ãò Ôã¼ããè ¹ãƇãŠãÀ ‡ãñŠ •ã½ãã, ¨ãÉ¥ããò ‚ããõÀ ¹ãÆãä¦ã-ãäÌã‰ãŠ¾ã ÌããÊãñ „¦¹ããªãò
‡ãŠã ̾ãÌãÔãã¾ã ¼ããè •ãì›ã ÀÖñ Ööý
• ºãö‡ãŠ ¶ãñ ̾ãÌãÔãã¾ã ¹ãÆãä¦ããä¶ããä£ã¾ããò/̾ãÌãÔãã¾ã ÔãÖ¾ããñãäØã¾ããò ‡ãñŠ ÊãØã¼ãØã
18,000 ØãÆãև㊠ÔãñÌãã ‡ãòŠ³ (Ôããè†Ôã¹ããè)/ãäºã‰ãŠãè ‡ãòŠ³ Ô©ãããä¹ã¦ã ãä‡ãŠ† Öõâý
ÀãÓ›Èãè¾ã Ô¦ãÀ ‡ãñŠ ‡ã슜 ̾ãÌãÔãã¾ã ¹ãÆãä¦ããä¶ããä£ã¾ããò/̾ãÌãÔãã¾ã ÔãÖ¾ããñãäØã¾ããò ½ãò
¼ããÀ¦ããè¾ã ¡ã‡ãŠ ãäÌã¼ããØã †Ìãâ ‚ãホãèÔããè ¼ããè Ööý ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ¼ããÀ¦ããè¾ã
¡ã‡ãŠ ãäÌã¼ããØã ‡ãñŠ Ôãã©ã Ø㟕ããñü¡ ‚ãºã ÀãÓ›Èãè¾ã Ô¦ãÀ ¹ãÀ ¼ããè ÊããØãî Öãñ Øã¾ãã
Öõ ‚ããõÀ ƒÔã Ôã½ã¾ã Ôã¼ããè À㕾ããò ½ãò 5,200 Ôãñ ‚ããä£ã‡ãŠ ¡ã‡ãŠ ÜãÀ ƒÔã½ãò
Íãããä½ãÊã Ööý
• ‚ã¹ã¶ããè ÍããŒãã Ô¦ãÀãè¾ã ¹ãÖìâÞã ºãü¤ã¶ãñ ‡ãñŠ ãäÊã†, ºãö‡ãŠ ¶ãñ ãäÌ㦦ã ÌãÓãà 2009
‡ãñŠ ªãõÀã¶ã ØãÆã½ããè¥ã †Ìãâ ‚ã£ãà ÍãÖÀãè àãñ¨ããò ½ãò ÊãØã¼ãØã 481 ¶ãƒÃ ÍããŒãã†â
ŒããñÊããè Öõý
• ¹ãÆãä‰ãŠ¾ãã àã½ã¦ãã ºãü¤ã¶ãñ ‡ãñŠ ãäÊã†, ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã 158 ØãÆã½ããè¥ã
‡ãñŠ¶³ãè¾ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ (‚ããÀÔããè¹ããèÔããè) ŒããñÊãñ ØㆠÖöý
Ý.1 ‡ãðŠãäÓã ̾ãÌãÔãã¾ã:
¦ãããäÊã‡ãŠã : 6 ‡ãðŠãäÓã - „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã† ½ãò)
ãäÌãÌãÀ¥ã 31.03.08 31.03.09 Ìãðãä® ‡ãŠã
‡ãŠãñ %
•ã½ããÀããäÍã¾ããâ 8,777 12,407 41%
‚ããäØãƽã 45,797 54,678 19%
D.3 Government Business Unit (GBU)
• In order to provide timely and accurate credit of
Pension as well as its arrears to Pensioners, 14
Centralised Pension Processing Centres (CPPCs)
have been established and 27.38 lakh Pension
Accounts have been migrated from 9116 branches
to the 14 CPPCs.
• Facility for e-payment of Railway Freight has been
provided to 143 Corporates and more and more
Corporates are adopting this new convenient 24x7
automated payment system.
• Internet Banking facility has been popularized
for payment of taxes as a result of which 59.96%
of CBDT receipts and 60.44% of CBEC receipts
of the Bank are now through e- mode.
• Refund Banker Scheme for electronic refund of
Income Tax is now operational at 6 centres viz.
Delhi, Mumbai, Kolkata, Chennai, Bangalore and
Patna and will be extended to other centres in a
phased manner.
• Cyber Treasury for online collection of State
Govt. receipts has been implemented in 14
States and remaining States are in the process
of being covered.
• Bank is partnering State Government of Delhi for
their e-governance project for collection of taxes
and utility payments from citizens through
Citizen Service Centres (CSCs).
E. RURAL BUSINESS GROUP
Rural Business Group, which deals with the
business of the Bank at all rural and semi urban
centres, now handles a deposit portfolio of
Rs. 2,15,931 crores and a credit portfolio of
Rs. 1,20,617 crores, which is 32% and 26% of
the Bank's total domestic deposit and credit
portfolio respectively as on 31.03.2009.
(Amount in Rs. crores)
Particulars As on As on Growth
31.03.2008 31.03.2009 % 31.03.2008 31.03.2009
Deposits 1,65,852 2,15,931 30.19
Advances 1,01,850 1,20,617 18.46
39
C39 K39
Highlights/Initiatives during the year
• The rate of growth, both in deposits and advances,
has been better than the growth rate of ASCB rural
and semi urban branches. As a result, the Bank's
market share in rural and semi urban areas
improved by 1.35% in deposits and 1.27% in
advances between March and December 2008.
• High proportion (54% of total deposits) of Current
Account & Savings Account (CASA) deposits in
the group contributes to its lower cost of deposits
at 5.23%, which is significantly lower than the
Whole Bank average of 6.03%.
• The business strategy envisaged setting up of
multi pronged sourcing agents coupled with
improved back end processing capacity.
• Front end sourcing force comprises, besides
branches, alternate channels like Officers Marketing
and Recovery (OMR) and Business Facilitators (BFs)
and Business Correspondents (BCs).
• OMRs numbering around 4800 now source not
only high value Agriculture segment loans but
all types of deposits, loans and cross-selling
products across all the segments.
• The Bank has appointed about 18,000 Customer
Service Point (CSP)/outlets of Business
Correspondents/Business Facilitators (BC/BFs).
Some of the national level BC/BFs are India Post
and ITC. During the year, the alliance with India
Post has been scaled up nation wide and now covers
more than 5,200 Post Offices across all States.
• To increase its outreach, the Bank has opened
about 481 new branches in rural and semi urban
areas during FY-09.
• To improve the processing capacity, 158 Rural
Central Processing Centres (RCPCs) have been
opened during FY-09.
E.1 Agri Business:
Table : 6 Agriculture – Highlights
(Amount in Rs. crores)
Particulars As on As on Growth
%
Deposits 8,777 12,407 41%
Advances 45,797 54,678 19%
ÌãÓãà ‡ãñŠ ªãõÀã¶ã „¹ãÊãã亣ã¾ããâ
• ºãö‡ãŠ ¶ãñ ÊãØãã¦ããÀ ªîÔãÀãè ºããÀ ãäÌ㦦ã ÌãÓãà 2008-09 ½ãò 18.46% ‡ãŠãè
Ìãðãä® ‡ãñŠ Ôãã©ã ‡ãðŠãäÓã ¹ãÆã©ããä½ã‡ãŠ¦ãã ¹ãÆ㹦ã àãñ¨ã ‡ãñŠ ‚ããäØãƽããò ½ãò 18% ‡ãñŠ
¶¾ãî¶ã¦ã½ã ½ãã¶ãª¥¡ ‡ãŠãñ ¹ããÀ ãä‡ãŠ¾ãã Öõý
• ºãö‡ãŠ ‡ãðŠãäÓã ¨ãÉ¥ããò ½ãò ÔãÀ‡ãŠãÀãè Êãà¾ã Ôãñ ‚ããõÀ ‚ããØãñ ºãü¤ Øã¾ãã Öõ ‚ããõÀ
ƒÔã¶ãñ Á. 28,000 ‡ãŠÀãñü¡ ‡ãñŠ Êãà¾ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò ÌãÓãà 2008-09 ½ãò
Á. 28,442 ‡ãŠÀãñü¡ ‡ãñŠ ‡ãðŠãäÓã ¨ãÉ¥ã ÔãâãäÌã¦ããäÀ¦ã ãä‡ãŠ† ¦ã©ãã ÌãÓãà ‡ãñŠ
ªãõÀã¶ã 7.40 ÊããŒã ãä‡ãŠÔãã¶ããò ‡ãñŠ Êãà¾ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò 10.68 ÊããŒã
¶ã† ãä‡ãŠÔãã¶ããò ‡ãŠã ãäÌ㦦ã¹ããñÓã¥ã ãä‡ãŠ¾ããý
• ãäÌ㦦ã ÌãÓãà 2008-09 ½ãò ºãö‡ãŠ ´ãÀã ‡ãðŠãäÓã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ½ãò 50%
Ôãñ ‚ããä£ã‡ãŠ ‡ãŠãè ‡ãŠ½ããè ÊããƒÃ ØãƒÃ (‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ Á. 3,079 ‡ãŠÀãñü¡
Ôãñ Ü㛇ãŠÀ Á. 1,454 ‡ãŠÀãñü¡ Öãñ ØãƒÄ)ý
• ¨ãÉ¥ããò ‡ãŠãè Øãì¥ãÌ㦦ãã ½ãò Ôãì£ããÀ Êãã¶ãñ ‚ããõÀ ƒ¶ã‡ãñŠ ãäÌããäÌã£ããè‡ãŠÀ¥ã ‡ãñŠ
ãäÊã†, ºããØãÌãã¶ããè, ¡ñ¾ãÀãè, ½ã¦Ô¾ã ¹ããÊã¶ã, Œãã²ã ¹ãÆÔãâÔ‡ãŠÀ¥ã,
ºãã¾ããñ›‡ñ ㋶ããñÊããù•ããè, ‚ãããäª •ãõÔãñ ¹ãƽãìŒã àãñ¨ããò ‡ãñŠ ãäÊㆠÀãÓ›Èã¾è ã ̾ãÌãÔãã¾ã
¾ããñ•ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæã àãñ¨ã ãäÌã‡ãŠãÔã ¾ããñ•ã¶ãã†â ¦ãõ¾ããÀ ‡ãŠãè ØãƒÃ Ööý
• Ÿñ‡ãñŠ ¹ãÀ Œãñ¦ããè ‚ããõÀ ƒÔãÔãñ •ãìü¡ñ ÊããñØããò ‡ãñŠ ãäÌ㦦ã¹ããñÓã¥ã ¹ãÀ •ããñÀ ªñ¶ãã
•ããÀãè ÀŒãã Øã¾ããý
• ‡ãðŠÓã‡ãŠãò ‡ãñŠ Ôãã©ã Ôãâºãâ£ã : ØãÆãև㊠•ããØã‡㊦ãã ºãü¤ã¶ãñ ‚ããõÀ ‡ãðŠÓã‡ãŠ Ôã½ãìªã¾ã
‡ãñŠ Ôãã©ã ÊãØãã¦ããÀ Ôãâºãâ£ã ºã¶ãㆠÀŒã¶ãñ ‡ãñŠ ãäÊã†, `ãä‡ãŠÔãã¶ããò ‡ãñŠ Ôãã©ã
Ôãâºãâ£ã ‡ãŠã¾ãÉ㊽ã' ‡ãñŠ ‚ãâ¦ãØãæ㠇㊃à ¶ã† ¹ãƾããÔã ãä‡ãŠ† Øã†ý ãäÌ㦦ã ÌãÓãÃ
09 ‡ãŠãè „¹ãÊãã亣ã¾ããâ ¶ããèÞãñ ¹ãÆÔ¦ãì¦ã ‡ãŠãè ØãƒÃ Ööý
¹ãƾããÔã „¹ãÊãã亣ã
ØãÆã½ã-‚ãâØããè‡ãŠÀ¥ã (¼ããÀ¦ããè¾ã Ô›ñ›
ºãö‡ãŠ ‡ãŠã ‚ã¹ã¶ãã ØããâÌã) 209
ãä‡ãŠÔãã¶ã ‡ã‹Êãºããò ‡ãŠã Ø㟶ã 1968
‡ãðŠÓã‡ãŠ ºãõŸ‡ãŠãò ‡ãŠã ÔãâÞããÊã¶ã 29653
ãä‡ãŠÔãã¶ã ½ãâÞã ‡ãŠãè Ô©ãã¹ã¶ãã 28
• ºãö‡ãŠ ¶ãñ 6,550 Ôãñ ‚ããä£ã‡ãŠ ‡ãðŠãäÓã ÍããŒãã‚ããò ½ãò 42 ÊããŒã ãä‡ãŠÔãã¶ããò ‡ãŠãñ
Íãããä½ãÊã ‡ãŠÀ¦ãñ Öì† ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãŠãè ‡ãðŠãäÓã ¨ãɥ㠽ãã¹ãŠãè †Ìãâ ¨ãÉ¥ã
Àã֦㠾ããñ•ã¶ãã, 2008 ‡ãŠã Ôã¹ãŠÊã¦ãã¹ãîÌãÇ㊠‡ãŠã¾ããöÌã¾ã¶ã ãä‡ãŠ¾ããý ºãö‡ãŠ ¶ãñ
Á. 5,287 ‡ãŠÀãñü¡ ‡ãŠñ ‡ãðŠãäÓã ¨ãɥ㠽ãã¹ãŠãè ªãÌãñ ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ
¹ããÔã ¹ãÆÔ¦ãì¦ã ãä‡ãŠ† Öö ‚ããõÀ Á. 2,168 ‡ãŠÀãñü¡ ‡ãŠãè ¹ãÆ©ã½ã ãä‡ãŠÔ¦ã (ªãÌãñ
‡ãŠã 41%) ¹ãÆ㹦ã Öãñ ØãƒÃ Öõý
̾ããäÓ› ãäÌ㦦㠆Ìãâ ãäÌ㦦ããè¾ã Ôã½ããÌãñÍã¶ã :
• ÔÌã¾ãâ ÔãÖã¾ã¦ãã Ôã½ãîÖ - ºãö‡ãŠ ¨ãÉ¥ãã¶Ìã¾ã¶ã ‡ãŠã¾ãÉ㊽㠽ãò ºãö‡ãŠ ÔãºãÔãñ
‚ããØãñ Öõý ºãö‡ãŠ ¶ãñ ‚ãºã ¦ã‡ãŠ 13.73 ÊããŒã ÔÌã¾ãâ ÔãÖã¾ã¦ãã Ôã½ãîÖãò ‡ãñŠ
Ôãã©ã ¨ãÉ¥ãã¶Ìã¾ã¶ã ½ãò ÔãÖ¼ãããäØã¦ãã ‡ãŠãè Öõ ‚ããõÀ ¾ãÖ Á. 8,050 ‡ãŠÀãñü¡
‡ãŠãè ÀããäÍã ¦ã‡ãŠ ‡ãñŠ ¨ãÉ¥ã ÔãâãäÌã¦ããäÀ¦ã ‡ãŠÀ Þãì‡ãŠã Öõý ºãö‡ãŠ ¶ãñ ÔÌã¾ãâ ÔãÖã¾ã¦ãã
40
C40 K40
Ôã½ãîÖ ‰ãñŠãä¡› ‡ãŠã¡Ã ‚ããõÀ ÔÌã¾ãâ ÔãÖã¾ã¦ãã Ôã½ãîÖ ØããñÊ¡ ‡ãŠã¡Ã •ãõÔãñ ‚ã¶ãñ‡ãŠ
‚ã¦ãìÊã¶ããè¾ã „¦¹ã㪠Íãì ãä‡ãŠ† Ööý
• ÔÌã¾ãâ ÔãÖã¾ã¦ãã Ôã½ãîÖãò ‡ãŠãñ ‚ããØãñ „£ããÀ ªñ¶ãñ ‡ãñŠ ãäÊㆠØãõÀ-ÔãÀ‡ãŠãÀãè
ÔãâØ㟶ããò/̾ããäÓ› ãäÌ㦦ã ÔãâÔ©ãã‚ããò ‡ãŠãñ ãäÌ㦦㠄¹ãÊ㺣㠇ãŠÀã¶ãñ Öñ¦ãì †‡ãŠ
¶ãƒÃ ¾ããñ•ã¶ãã Íãì ‡ãŠãè ØãƒÃ Öõý
• `ØãÆã½ããè¥ã Íããä‡ã‹¦ã' ‡ãñŠ ¶ãã½ã Ôãñ †‡ãŠ ̾ããäÓ› ºããè½ãã „¦¹ã㪠Íãì ãä‡ãŠ¾ãã Øã¾ãã Öõý
• ¡î¶ã †¥¡ ºãÆã¡Ô›Èã›è ´ãÀã ØãÆã½ããè¥ã ¹ãÖìÞú ã ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãñ
ÔãÀ‡ãŠãÀãè àãñ¨ã ‡ãñŠ ÔãÌãÃÑãñÓŸ ºãö‡ãŠ ‡ãñŠ ¹㠽ãò ¹ãìÀÔ‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
• „ü¡ãèÔãã, ¢ããÀŒãâ¡, ½ãÖãÀãÓ›È, „¦¦ãÀãŒã¥¡, ¦ããä½ãÊã¶ãã¡ì ‚ããõÀ „¦¦ãÀ
¹ãƪñÍã ½ãò ÔÌã¾ãâ ÔãÖã¾ã¦ãã Ôã½ãîÖ-ºãö‡ãŠ ¨ãÉ¥ãã¶Ìã¾ã¶ã ½ãò ÍããèÓãà ԩãã¶ã ¹ãÀ
ÀÖ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ ¹ãìÀÔ‡ãŠãÀ ¹ãÆ㹦ã ãä‡ãŠ† Ööý
• ºãöãä‡ãâŠØã ÔãñÌãã‚ããò ‡ãŠãè ¹ããäÀãä£ã ½ãò ÊãㆠØㆠºãöãå‡ãŠØã ÔãìãäÌã£ãã ÀãäÖ¦ã ØããâÌããò
‡ãŠãè Ôã⌾ãã ½ããÞãà 2008 ½ãò 12,515 ©ããè •ããñ ½ããÞãà 2009 ½ãò ºãü¤‡ãŠÀ
ÊãØã¼ãØã 53,000 ¦ã‡ãŠ ¹ãÖìúÞã ØãƒÃý
• ºãö‡ãŠ ‡ãŠãè ÔãÀ‡ãŠãÀãè ãäÖ¦ãÊãã¼ã ¼ãìØã¦ãã¶ããò Ôãñ Ôãâºãâãä£ã¦ã ƒÊãñ‡ã‹›Èããä¶ã‡ãŠ ãäÖ¦ãÊãã¼ã
‚ãâ¦ãÀ¥ã (ƒÃºããè›ãè) ¹ããäÀ¾ããñ•ã¶ãã‚ããò ½ãò ¹ãƽãìŒã ¼ãîãä½ã‡ãŠã ÀÖãè Öõ ‚ããõÀ
¾ãÖ 5 À㕾ããò ½ãò ƒ¶ã ¹ããäÀ¾ããñ•ã¶ãã‚ããò ½ãò ÔãÖ¼ããØããè Öõý
ãäÌ㦦ããè¾ã Ôã½ããÌãñÍã¶ã ‡ãñŠ ãäÊㆠºãÖìãäÌã£ã-‚ãホãè ‚ãã£ãããäÀ¦ã ½ã㣾ã½ã:
• ºãöãä‡ãâŠØã ÔãñÌãã Ôãñ ÌãâãäÞã¦ã Ôãã½ã㶾㠶ããØããäÀ‡ãŠãò ‡ãŠãñ ¶¾ãî¶ã¦ã½ã ÊããØã¦ã ‡ãñŠ Ôãã©ã
ºãöãä‡ãâŠØã ÔãñÌãã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ½ãò Ôãã£ã¶ã, Ôã½ãã£ãã¶ã, ¹ããäÀÞããÊã¶ã Ôãâºãâ£ããè
•ãã¶ã‡ãŠãÀãè ‚ããõÀ ÔãñÌãã ‡ãŠãè Øãì¥ãÌ㦦ãã ‡ãñŠ ½ãã½ãÊãñ ½ãò ºãö‡ãŠ ¶ãñ Ôãã½ã㶾ã Ôãñ
‡ãŠÖãé ‚ããä£ã‡ãŠ ‚ãã£ãìãä¶ã‡ãŠ ¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãŠã „¹ã¾ããñØã ãä‡ãŠ¾ãã Öõý ƒ¶ã½ãò Ôãñ
‡ã슜 ¹ãÆãõ²ããñãäØã‡ãŠãè ‚ãã£ãããäÀ¦ã ½ã㣾ã½ã ãä¶ã½¶ãã¶ãìÔããÀ Öö :
‡ãŠ) †Ôãºããè‚ãム›ãƒ¶ããè- Ô½ãã›Ã ‡ãŠã¡Ã ‚ãã£ãããäÀ¦ã Œãã¦ãñ: ¾ãÖ †‡ãŠ ÔãìÀãäàã¦ã
Œãã¦ãã Öõ •ããñ ØãÆãև㊠‡ãŠãè ºãã¾ããñ½ããèãä›È‡ãŠ ¹ãÖÞãã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãÍÞãã¦ã Öãè
Êãñ¶ãªñ¶ã ‡ãŠÀ¶ãñ ªñ¦ãã Öõý ƒÔã½ãò ‚ããÀ†¹ãŠ‚ãメãè ¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãŠã
¹ãƾããñØã ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒÔã½ãò ºãö‡ãŠ ‡ãŠã †‡ãŠ ¹ãÆãõ²ããñãäØã‡ãŠãè ¼ããØããèªãÀ
¼ããè Öõý ‚ãºã ¦ã‡ãŠ ÊãØã¼ãØã 19.11 ÊããŒã ØãÆãÖ‡ãŠãò ‡ãŠã ¶ãã½ããâ‡ãŠ¶ã
ãä‡ãŠ¾ãã •ãã Þãì‡ãŠã Öõý ØãÆãև㊠‚ãã£ããÀ ºãü¤ã¶ãñ ‡ãñŠ ãäÊã†, ‚ãÊãØã ¹ãƇãŠãÀ
‡ãŠãè ¹ãÆã²õ ããñãØä ã‡ãŠãè ¹ãÀ ‚ãã£ãããäÀ¦ã ‡ãŠã¡Ã Íãì ãä‡ãŠ† ØㆠÖö ‚ããõÀ ƒ¶ã‡ãñŠ ãäÊã†
ÊãØã¼ãØã 4.5 ÊããŒã ØãÆãÖ‡ãŠãò ‡ãŠã ¶ãã½ããâ‡ãŠ¶ã ãä‡ãŠ¾ãã •ãã Þãì‡ãŠã Öõý
Œã) ƒâ›À¶ãñ› ‚ãã£ãããäÀ¦ã ÔãñÌãã ‡ãòŠ³ : ‚ãØãÔ¦ã 2008 ½ãò Íãì ãä‡ãŠ†
ØㆠƒÔã ¹ããè Ôããè ‚ãã£ãããäÀ¦ã Ôã½ãã£ãã¶ã Ôãñ ØããâÌããò ½ãò ãäÌã²ã½ãã¶ã ƒ¶ã
‡ãòŠ³ãò ½ãò ºãìãä¶ã¾ããªãè ÔãìãäÌã£ãã†ú ºãü¤ãƒÃ ØãƒÃ Ööý Êãñ¶ãªñ¶ã Ôã½ãã¶ã ¹ã
Ôãñ ÔãìÀãäàã¦ã Öõ ‡ã‹¾ããòãä‡ãŠ ¾ãÖ ØãÆãև㊠‡ãŠãè ºãã¾ããñ½ããèãä›È‡ãŠ ¹ãÖÞãã¶ã
‡ãŠÀ¶ãñ ‡ãñŠ ¹ãÍÞãã¦ã Êãñ¶ãªñ¶ã ‡ãŠÀ¶ãñ ‡ãŠãè ‚ã¶ãì½ããä¦ã ªñ¦ãã Öõý
Øã) ½ããñºããƒÊã ‚ãã£ãããäÀ¦ã Œãã¦ãñ : ¾ãñ Œãã¦ãñ ½ããñºããƒÊã ¹ãŠãñ¶ã ‚ãã£ãããäÀ¦ã
ÔãÔ¦ãñ ¦ã‡ãŠ¶ããè‡ãŠãè Ôã½ãã£ãã¶ã ‡ãñŠ Ôãã©ã ‡ãŠã¾ãà ‡ãŠÀ¦ãñ Öö ý Ìã¦ãýãã¶ã ½ãò
¶ãƒÃ ãäªÊÊããè ‡ãñŠ „¦¦ã½ã ¶ãØãÀ ½ãò †‡ãŠ ¹ãÆã¾ããñãäØã‡ãŠ ¹ããäÀ¾ããñ•ã¶ãã
‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠãè •ãã ÀÖãè Öõý
Achievements during the year
• The Bank has consecutively for the second time
crossed the 18% Benchmark in Agri Priority Sector
Advances with achievement of 18.46% in FY '09.
• The Bank has surpassed the GOI target for
credit flow to Agriculture by achieving Agri.
disbursements of Rs. 28,442 crores in 2008-09
against the target of Rs. 28,000 crores and financed
10.68 lac new farmers against the target of 7.40 lac
during the year.
• The Bank achieved more than 50% absolute
reduction in Agri NPAs (NPAs reduced to
Rs. 1,454 crores from Rs 3,079 crores) in FY '09.
• To improve quality of lendings and diversification
of portfolio, Area Development Schemes have
been prepared under National Business Plan,
covering thrust areas viz. Horticulture, Dairy,
Fisheries, Food Processing, Biotechnology, etc.
• Thrust continues to be laid on Contract Farming
and Value Chain Financing.
• Bonding with Farmers: To enhance customer
awareness and ensure continued relationship
with the farming community, various initiatives
have been taken under 'Bonding with Farmers'.
Achievements during FY '09 are given in the table.
Initiative Achievement
Villages adopted
(SBI ka Apna Gaon) 209
Farmers' Clubs formed 1968
Farmers' Meets conducted 29653
Kisan Manch established 28
• The Bank has successfully implemented
Agricultural Debt Waiver & Debt Relief Scheme,
2008 of GOI in more than 6,550 Agri lending
branches, covering 42 lac farmers. The Bank has
submitted Agri. Debt Waiver claim of Rs. 5,287
crores to RBI and received first instalment of
Rs. 2,168 crores (41% of the claim).
Micro Finance and Financial Inclusion:
• The Bank is the market leader in SHG-Bank credit
linkage programme having credit linked so far
13.73 lakh SHGs and disbursed loans to the extent
41
C41 K41
of Rs. 8,050 crores. Bank has rolled out several
unique products like SHG Credit card and SHG
Gold Card.
• A new scheme for financing NGOs/MFIs for on-
lending to SHGs has been introduced.
• A Micro Insurance product - Grameen Shakti has
been rolled out.
• SBI has been rated as the Best Public Sector Bank
for Rural Reach by Dun & Bradstreet.
• The Bank has won awards for topping SHG-Bank
Credit linkage in Orissa, Jharkhand, Maharashtra,
Uttarakhand, Tamil Nadu and Uttar Pradesh.
• Coverage of unbanked village increased from 12,515
in March 2008 to about 53,000 upto March 2009.
• The Bank is the major player in Electronic Benefit
Transfer (EBT) projects of Government benefit
payments, with participation in 5 States.
Multiple IT enabled channels for Financial Inclusion:
• The Bank has gone beyond the usual domains of
technology in terms of platform, solution, operational
details and service contents in a very aggressive
manner to serve the excluded common citizen with
minimal costs. Some of these channels are:
a) SBI Tiny - Smart Card based accounts: This is
a secure account working on biometric
validation of the customer and RFID
technology. Around 19.11 lakh customers
have been enrolled with one technology
partner. To broad base the outreach, cards of
a different technology have been introduced
and about 4.5 lakh customers enrolled.
b) Internet based kiosk channel: This PC based
solution launched in August 2008 leverages
existing kiosk infrastructure in villages.
Transactions are equally secure as this
channel also works on biometric validation
of the customer.
c) Mobile based accounts: These accounts work
with mobile phone based low cost technical
solution. A pilot project is currently being
implemented in Uttam Nagar, New Delhi.
d) Low cost biometric ATMs: Low cost biometric
ATMs have been deployed starting with
 Üã) ‡ãŠ½ã ÊããØã¦ã ÌããÊãñ ºãã¾ããñ½ããèãä›È‡ãŠ †›ã膽ã: ‡ãŠ½ã ÊããØã¦ã ÌããÊãñ
ºãã¾ããñ½ããèãä›È‡ãŠ †›ã膽ã ÊãØãã¶ãñ ‡ãñŠ ‡ãŠã¾ãà ‡ãŠãè ÍãìÁ‚ãã¦ã ¦ããä½ãÊã¶ãã¡ì
‡ãñŠ ‡ã슡á¡ÊãîÀ ãä•ãÊãñ Ôãñ ‡ãŠãè ØãƒÃ Öõý ƒÔã ¹Êãñ›¹ãŠã½ãà ‡ãŠã ºãü¡ñ ¹ãõ½ãã¶ãñ
¹ãÀ ãäÌãÔ¦ããÀ ãä‡ãŠ¾ãã •ãã†Øããý
Ý.2 àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ (‚ããÀ‚ããÀºããè)
• Ôã½ãã½ãñÊã¶ã ‡ãñŠ ¹ãÍÞãã¦ã ºãö‡ãŠ ‡ãñŠ 17 àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ Öö ãä•ãÔã‡ãŠã
2557 ÍããŒãã‚ããò ‡ãŠã ¶ãñ›Ìã‡ãÊ ªñÍã¼ãÀ ½ãò 17 À㕾ããò ‡ãñŠ 122 ãä•ãÊããò ½ãò
¹ãõŠÊãã Öõý 31 ½ããÞãà 2009 ‡ãŠãñ ºãö‡ãŠ ´ãÀã ¹ãÆã¾ããñã•ä ã¦ã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠãò
‡ãŠãè Ôã‡ãŠÊã •ã½ããÀããäÍã¾ããâ †Ìãâ ‚ããäØãƽ㠉㊽ãÍã: Á.17,273 ‡ãŠÀãñ¡ü †Ìãâ
Á. 10,242 ‡ãŠÀãñü¡ ÀÖñý ½ããÞãà 2008 ‡ãŠãñ Êãã¼ã Á.115.68 ‡ãŠÀãñü¡
©ãã •ããñ ½ããÞãà 2009 ¦ã‡ãŠ ºãü¤‡ãŠÀ Á. 203.31 ‡ãŠÀãñü¡ Öãñ Øã¾ããý
• àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠãò ‡ãŠã ÌãØããê‡ãŠÀ¥ã ‚ããõÀ „¶ã‡ãŠãè ÍããŒãã‚ããò,
ÔãâØ㟶ã㦽ã‡ãŠ ÔãâÀÞã¶ãã ‚ãããäª ‡ãñŠ Ôãâºãâ£ã ½ãò àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠãò ‡ãñŠ
ãäÊㆠ†‡ãŠ ̾ãã¹ã‡ãŠ ½ãã¶ãÌã ÔãâÔãã£ã¶ã ¶ããèãä¦ã ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ Öñ¦ãì Øãã䟦ã
Ôããä½ããä¦ã (¡ãù. ©ããñÀã› Ôããä½ããä¦ã) ‡ãŠãè ÔãâÔ¦ãìãä¦ã¾ããâ, ãä•ã¶Öò ÔãÀ‡ãŠãÀ ´ãÀã
ÔÌããè‡ãðŠ¦ã ‡ãŠÀ ãäÊã¾ãã Øã¾ãã Öõ, ‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã Ö½ããÀñ ´ãÀã ¹ãÆã¾ããñãä•ã¦ã
Ôã¼ããè àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠãò ½ãò ãä‡ãŠ¾ãã Øã¾ãã Öõý
Ý.3 ‚ã¶ãìÔãîãäÞã¦ã •ãããä¦ã¾ããò †Ìãâ ‚ã¶ãìÔãîãäÞã¦ã •ã¶ã•ãããä¦ã¾ããò ‡ãŠãñ ªãè ØãƒÃ
¨ãÉ¥ã ÔãÖã¾ã¦ãã
• 31 ½ããÞãà 2009 ‡ãŠãñ ‚ã¶ãìÔãîãäÞã¦ã •ãããä¦ã¾ããò †Ìãâ ‚ã¶ãìÔãîãäÞã¦ã •ã¶ã•ãããä¦ã¾ããò
‡ãŠãñ ºãö‡ãŠ ´ãÀã „¹ãÊ㺣㠇ãŠÀãƒÃ ØãƒÃ ¨ãÉ¥ã ÔãÖã¾ã¦ãã Á.12,939 ‡ãŠÀãñü¡
ÀÖãè •ããñ ºãö‡ãŠ ‡ãñŠ ¹ãÆã©ããä½ã‡ãŠ¦ãã ¹ãÆ㹦ã àãñ¨ã ‡ãñŠ ‚ããäØãƽããò ‡ãŠã 7.9 ¹ãÆã¦ä ãÍã¦ã Öõý
¦ãããäÊã‡ãŠã : 7 ‚ã¶ãìÔãîãäÞã¦ã •ãããä¦ã / ‚ã¶ãìÔãîãäÞã¦ã •ã¶ã•ãããä¦ã ‡ãñŠ
¨ãÉãä¥ã¾ããò Ôãñ ‡ãŠãè ØãƒÃ ÌãÔãîÊããè ‡ãŠãè ãäÔ©ããä¦ã (¾ããñ•ã¶ããÌããÀ)
¾ããñ•ã¶ãã ÌãÔãîÊããè ‡ãŠã ¹ãÆãä¦ãÍã¦ã
¹ãÆ£ãã¶ã ½ãâ¨ããè Àãñ•ãØããÀ ¾ããñ•ã¶ãã
(¹ãã膽ã‚ããÀÌããƒÃ) 34.62
ÔÌã¥ãÕã¾ãâ¦ããè ØãÆã½ã ÔÌãÀãñ•ãØããÀ
¾ããñ•ã¶ãã (†Ôã•ããè†ÔãÌããƒÃ) 43.14
ÔÌã¥ãÕã¾ãâ¦ããè ÍãÖÀãè Àãñ•ãØããÀ
¾ããñ•ã¶ãã (†Ôã•ãñ†Ôã‚ããÀÌããƒÃ) 36.73
Ôã¹ãŠãƒÃà ‡ãŠ½ãÃÞããÀãè ½ãìãä‡ã‹¦ã ‚ããõÀ
¹ãì¶ãÌããÃÔã ¾ããñ•ã¶ãã (†Ôã†Êã‚ããÀ†Ôã) 28.08
ãäÌã¼ãñª‡ãŠ º¾ãã•ã ªÀ ¾ããñ•ã¶ãã (¡ãè‚ããÀ‚ããƒ) 42.39
Ý.4 ‚ãʹãÔã⌾ã‡ãŠãò ‡ãñŠ ‡ãŠÊ¾ãã¥ã ‡ãñŠ ãäÊㆠ¹ãÆ£ãã¶ã½ãâ¨ããè ‡ãŠã ¶ã¾ãã
15 Ôãî¨ããè ‡ãŠã¾ãÉ㊽㠂ããõÀ ÔãÞÞãÀ Ôããä½ããä¦ã ‡ãŠãè ãäÔã¹ãŠããäÀÍããò
‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã
• Ö½ããÀñ ºãö‡ãŠ ¶ãñ ‚ãʹãÔã⌾ã‡ãŠãò ‡ãñŠ ‡ãŠÊ¾ãã¥ã ‡ãñŠ ãäÊㆠ¹ãÆ£ãã¶ã½ãâ¨ããè ‡ãŠã
42
C42 K42
¶ã¾ãã 15 Ôãî¨ããè ‡ãŠã¾ãÉ㊽㠇ãŠã¾ããÃãä¶Ìã¦ã ãä‡ãŠ¾ãã Öõ, ãä•ãÔã‡ãŠã ¹ãƽãìŒã
„ªáªñ;㠾ãÖ Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã Öõ ãä‡ãŠ ¹ãÆã©ããä½ã‡ãŠ¦ãã ¹ãÆ㹦ã àãñ¨ã ‡ãñŠ
¨ãÉ¥ããò ‡ãŠã †‡ãŠ „ãäÞã¦ã ¹ãÆãä¦ãÍã¦ã ‚ãʹãÔã⌾ã‡ãŠ Ôã½ãìªã¾ããò ‡ãñŠ ãäÊã†
ÀŒãã Øã¾ãã Öõ ‚ããõÀ ÔãÀ‡ãŠãÀ ´ãÀã ¹ãÆã¾ããñãä•ã¦ã ãäÌããä¼ã¸ã ¾ããñ•ã¶ãã‚ããò ‡ãñŠ
Êãã¼ã ‚ãʹã ÔãìãäÌã£ãã¹ãÆ㹦ã ÊããñØããò, ãäÌãÍãñÓã ¹ã Ôãñ ‚ãʹãÔã⌾ã‡ãŠ
Ôã½ãìªã¾ããò (ƒÃÔãヾããò, ½ãìÔãÊã½ãã¶ããò, ºããõ®ãò, ãäÔãŒããò ‚ããõÀ ¹ããÀãäÔã¾ããò)
‡ãñŠ ÊããñØããò ¦ã‡ãŠ ¹ãÖìúÞã ÀÖñ Ööý
‚ãʹãÔã⌾ã‡ãŠ ºãÖìÊã Þã¾ããä¶ã¦ã ãä•ãÊããò (†½ãÔããè¡ãè) ½ãòñ ‚ãʹãÔã⌾ã‡ãŠ
Ôã½ãìªã¾ããò ‡ãŠãñ Ö½ããÀñ ´ãÀã ¹ãƪã¶ã ‡ãŠãè ØãƒÃ ãäÌ㦦ããè¾ã ÔãÖã¾ã¦ãã ‡ãñŠ
Ôãâºãâ£ã ½ãò ÌãÓãÃÌããÀ ãäÔ©ããä¦ã ¶ããèÞãñ ¹ãÆÔ¦ãì¦ã ‡ãŠãè ØãƒÃ Öõ:
¦ãããäÊã‡ãŠã : 8 ‚ãʹãÔã⌾ã‡ãŠãò ‡ãŠãñ ¨ãÉ¥ã ÔãÖã¾ã¦ãã
‚ãÌããä£ã ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã Œãã¦ããò ‡ãŠãè ÀããäÍã
Þã¾ããä¶ã¦ã (†½ãÔããè¡ãè) Ôã⌾ãã (Á¹ã¾ãñ
ãä•ãÊããò ‡ãŠãè Ôã⌾ãã ‡ãŠÀãñü¡ ½ãò)
½ããÞãà 2007 44 7.94 ÊããŒã 2106
½ããÞãà 2008 121 9.88 ÊããŒã 3516
½ããÞãà 2009 121 9.91 ÊããŒã 5091
• Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã Ô¦ãÀ ¹ãÀ Ôã½ã¶Ìã¾ã Öñ¦ãì ‚ãʹãÔã⌾ã‡ãŠ
‡ãŠàã ¹ãÖÊãñ Öãè ºã¶ãㆠ•ãã Þãì‡ãñŠ Öö ‚ããõÀ ‚ãʹãÔã⌾ã‡ãŠ Ôã½ãìªã¾ããò
‡ãñŠ ¨ãÉ¥ãã¶Ìã¾ã¶ã ‡ãŠãè ¹ãÆØããä¦ã ¹ãÀ ãä¶ãØãÀã¶ããè ÀŒã¶ãñ ‚ããõÀ ‚ãʹãÔã⌾ã‡ãŠ
Ôã½ãìªã¾ããò ‡ãŠãè ãäÍã‡ãŠã¾ã¦ãò ªîÀ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¶ããñ¡Êã ‚ããä£ã‡ãŠãÀãè
¶ãããä½ã¦ã ãä‡ãŠ† ØㆠÖöý
• ÔãÞÞãÀ Ôããä½ããä¦ã ‡ãŠãè ãäÔã¹ãŠããäÀÍããò ‡ãñŠ ‚ã¶ãìÔããÀ, ãäÌ㦦ããè¾ã ÌãÓãÃ
2008-09 ‡ãñŠ ªãõÀã¶ã ‚ãʹãÔã⌾ã‡ãŠ ºãÖìÊã Þã¾ããä¶ã¦ã ãä•ãÊããò
(†½ãÔããè¡ãè) ½ãòñ ‚ãʹ㠺ãöãä‡ãâŠØã ÔãìãäÌã£ãã ÌããÊãñ / ºãöãä‡ãâŠØã ÔãìãäÌã£ãã
ÀãäÖ¦ã àãñ¨ããò ½ãò Ö½ããÀñ ºãö‡ãŠ ¶ãñ 177 ¶ãƒÃ ÍããŒãã†â ŒããñÊããè Ööý
• ‚ãʹãÔã⌾ã‡ãŠ Ôããä½ããä¦ã¾ããò Ôãñ ¹ãÆ㹦㠂ããÌãñª¶ããò ‡ãŠã ‚ã¶ãìÌã¦ãö㠆Ìãâ
ãä¶ã¹ã›ã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÔã¼ããè ½ããØãêÍããê ãä•ãÊãã ¹ãƺãâ£ã‡ãŠãò ‡ãŠãñ ‡ãŠÖã
Øã¾ãã Öõý ƒÔããè ¹ãƇãŠãÀ, ‚ãʹãÔã⌾ã‡ãŠ ¨ãÉ¥ãã¶Ìã¾ã¶ã Ôãñ Ôãâºãâãä£ã¦ã
ãä¦ã½ããÖãè ÔãîÞã¶ãã ºãö‡ãŠ ‡ãŠãè ÌãñºãÔãホ ¹ãÀ „¹ãÊ㺣㠇ãŠÀãƒÃ •ãã¦ããè Öõý
Þã. ãäÌã¹ã¥ã¶ã †Ìãâ ¹ãÆãä¦ã ãäÌã‰ãŠ¾ã ãäÌã¼ããØã
• ºãö‡ãŠ ‡ãñŠ Ôã¦ã¦ã ¹ãƾããÔããò Ôãñ ¹ãÆãä¦ã ãäÌã‰ãŠ¾ã ‡ãŠã ‡ãŠã¾ãà †‡ãŠ ¹ãƽãìŒã
‚ãã¾ã Õããñ¦ã ‡ãñŠ ¹㠽ãò „¼ãÀ‡ãŠÀ Ôãã½ã¶ãñ ‚ãã¾ãã Öõý ãäÌã¹ã¥ã¶ã †Ìãâ
¹ãÆãä¦ã ãäÌã‰ãŠ¾ã ãäÌã¼ããØã ´ãÀã ‡ãŠãè ØãƒÃ ¹ãÖÊããò Ôãñ ¹ãÆãä¦ã‡ãîŠÊã ‚ãããä©ãÇãŠ
¹ããäÀÒ;㠇ãñŠ ºããÌã•ãîª ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã ãäÌ㦦ããè¾ã ÌãÓãà ‡ãñŠ
ªãõÀã¶ã ºãö‡ãŠ ‡ãŠãñ Á. 166.45 ‡ãŠÀãñü¡ ‡ãŠãè ‚ãã¾ã ÖìƒÃý
¶ã† ¹ãƾããÔããò ‡ãŠãè ¹ãƽãìŒã ãäÌãÍãñÓã¦ãã†â
•ããèÌã¶ã ºããè½ãã:
‡ãŠ) •ããèÌã¶ã ºããè½ãã „¦¹ããªãò ‡ãŠã ¹ãÆãä¦ã ãäÌã‰ãŠ¾ã ØãÆã½ããè¥ã ºãöãå‡ãŠØã Ôã½ãîÖ
 Cuddalore district of Tamil Nadu. This
platform will be expanded significantly.
E.2 Regional Rural Banks (RRBs)
• Post amalgamation, the Bank has got 17 RRBs with
a network of 2557 branches spread over 122
districts and 17 states in the country. The
aggregate deposits and advances of the sponsored
RRBs stood at Rs.17,273 crores and Rs.10,242
crores respectively as on 31st March 2009. The
profits increased from Rs.115.68 crores as on
March 2008 to Rs.203.31 crores as on March 2009.
• Recommendations of the Committee to formulate a
comprehensive Human Resources Policy for RRBs
(Dr. Thorat Committee) regarding categorisation of
RRBs and their branches, organisational structuring
etc. and accepted by the Government have been
implemented in all our sponsored RRBs.
E.3 Credit Assistance provided to Scheduled Castes
and Scheduled Tribes
The credit assistance provided by the Bank to
Scheduled Castes and Scheduled Tribes stands
at Rs.12,939 crores and forms 7.9 % of total
Priority Sector advances of the Bank as on
the 31st March 2009.
Table : 7 Recovery position of
SC/ST borrowers (scheme-wise)
SCHEME Recovery %
Prime Minister's
Rozgar Yojana (PMRY) 34.62
Swarnajayanti Gram
Swarozgar Yojana (SGSY) 43.14
Swarna Jayanti Shahari
Rozgar Yojana (SJSRY) 36.73
Scheme for Liberation &
Rehabilitation of Scavengers
(SLRS) 28.08
Differential Rate of
Interest (DRI) 42.39
E.4 Prime Minister's New 15 Point Programme for
the welfare of Minorities And Implementation
of Sachar Committee recommendations.
• Our Bank has implemented Prime Minister's New
15 Point Programme for the welfare of Minorities,
43
C43 K43
whose important objective is to ensure that an
appropriate percentage of the Priority Sector
Lendings is targeted for the minority communities
and that the benefits of various Government
sponsored schemes reach the under-privileged,
particularly the disadvantaged section of minority
communities (Christians, Muslims, Buddhists,
Sikhs and Zoroastrians).
The year wise position in respect of our financial
assistance to minority communities in the
identified Minority Concentration Districts
(MCDs) is given below:
Table : 8 Credit Assistance to Minorities
Period No. of districts No. of Amount
as on identified by A/cs (Rs. in
GOI (MCDs) crores)
March 2007 44 7.94 lacs 2106
March 2008 121 9.88 lacs 3516
March 2009 121 9.91 lacs 5091
• Minority cells for co-ordination have already been
created at Local Head Office level and Nodal
Officers have been designated to monitor the
progress in lendings to minority communities as
well as to redress the grievances of minority
communities.
• As per Sachar Committee recommendations, our
bank has opened 177 new branches in under-
banked / unbanked areas in MCDs during the
financial year 2008-09.
• All the lead district managers have been advised
to monitor applications received from minority
committees and their disposal. Also, quarterly
information regarding Minority Lendings is
loaded on the Bank's Website.
F. MARKETING & CROSS SELLING DEPARTMENT
• Consistent efforts by the Bank have resulted in
emergence of Cross Selling as an important source
of income. Initiatives taken by the Marketing-
Cross Selling Dept. has earned the Bank an income
of Rs.166.45 crores during the financial year
ending March 2009 despite the adverse economic
scenario.
Highlights of Initiatives Taken
Life Insurance:
a) Cross Selling of Life Insurance products was
actively carried out by branches in Rural
 ‚ããõÀ ‡ãŠãÀ¹ããñÀ›ñ ºãöã‡ä ãâŠØã Ôã½ãîÖ ¦ã©ãã ‚ãâ¦ãÀÀãÓ›Èã¾è ã ºãöã‡ä ãâŠØã Ôã½ãîÖ ‡ãŠãè
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iii) ¶ãÌããè‡ãŠÀ¥ã ̾ãÌãÔãã¾ã : 82 ¹ãÆãä¦ãÍã¦ã
iv) ºããè½ãã£ããÀ‡ãŠãò ‡ãŠãè Ôã⌾ãã : 48 ¹ãÆãä¦ãÍã¦ã (¶ãÌã
̾ãÌãÔãã¾ã-12.52 ÊããŒã)
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ºããè½ãã£ããÀ‡ãŠãò ‡ãŠãè Ôã⌾ãã 8.25 ÊããŒã Öãñ ØãƒÃ Öõý
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(†¹ãŠ¹ãã膥¡††Ôã), ‚ããä¼ãÀàãã ÔãñÌãã†â, ¼ãìØã¦ãã¶ã Ôã½ãã£ãã¶ã, ãä¶ãàãñ¹ããØããÀ
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̾ãÌãÔãã¾ã Íãì ãä‡ãŠ† ØㆠÖöý ‚㶾㠹ãÖÊããò ‡ãŠãè ãäÔ©ããä¦ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ :
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½ãããäÊã¾ã¦ã ÌããÊãñ ̾ããä‡ã‹¦ãØã¦ã (†Þㆶã‚ããƒ) ØãÆãÖ‡ãŠãò ‡ãñŠ £ã¶ã ‡ãŠã ¹ãƺãâ£ã †Ìãâ
44
C44 K44
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ãäÔã‡ã‹¾ãìãÀä ›ãè ÔããäÌãÃÔãñÔã (†Ôã•ããè†Ôã†Ôã) ‡ãñŠ Ôãã©ã 5 •ãî¶ã 2008 ‡ãŠãñ †‡ãŠ
Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ãä‡ãŠ¾ãã Öõý ¹ãÆãÀâ¼ã ½ãò †Ôãºããè‚ãム‡ãŠÔ›ãñã¡ä ¾ãÊã
ÔããäÌãÃÔãñÔã ¹ãÆã. ãäÊã. ‡ãŠãñ ºãö‡ãŠ ‡ãŠãè 100 ¹ãÆã¦ä ãÍã¦ã ‚ã¶ãìÓãâØããè ‡ãñŠ ¹㠽ãò
Íãì ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ †‡ãŠ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ¼ããØããèªãÀ ‡ãñŠ ¹㠽ãò
 Banking Group and Corporate Banking Group
and International Banking Group also,
resulting in YoY growth of :
i) Income : 34.17%
ii) Rated premium : 27%
iii) Renewal Business : 82%
iv) Number of lives : 48% (12.52 lacs -
covered New Business)
b) A Micro Insurance Product "Grameen Shakti
scheme for SHGs" was introduced in Andhra
Pradesh, Maharashtra, Orissa, Tamil Nadu and
West Bengal. Total lives covered: 8.25 lacs.
c) The Bank introduced an omnibus credit
protection product "Dhanraksha Plus"
covering all personal loans including Home
Loans and Auto Loans.
d) Health insurance product covering nine critical
illnesses named 'Criti 9' was introduced in
Bangalore Circle on a pilot basis.
Mutual Funds:
An amount of Rs.23,628.31 crores was mobilised
through our branches for investment in mutual
funds, recording a YoY growth of 66%.
Mutual Funds - Miscellaneous
MF-Training Initiatives:
There has been a significant increase in the
number of AMFI certified employees and
Certified Insurance Facilitators as a result of
training and skill upgradation initiatives
undertaken by the Bank.
G. CORPORATE STRATEGIES & NEW BUSINESS
The New Businesses Department was created to
formulate strategies for new businesses, incubate
new business initiatives, pilot the same and on
stabilization, handover to the concerned Business
Group. Various new businesses like Pension Fund
Management, General Insurance, Private Equity,
Financial Planning & Advisory Services (FP&AS),
Custodial Services, Payment Solutions,
Depository Participant Services and Online
trading have been initiated by the department.
The status of initiatives is as follows:
Financial Planning & Advisory Services (FP&AS)
• Financial Planning and Advisory Services
initiative is focussed on strengthening the
relationship of the Bank with Vishesh and High
45
C45 K45
Net-worth Individual (HNI) customers (existing
as well as new) by providing a range of services
for managing and growing their wealth.
• 1135 Relationship Managers (RMs/CREs-PB) have
been provided basic training in Financial
Planning and second level of training has been
imparted for 181 RMs PB.
• The Financial Planning and Wealth Management
software has gone live on 02/03/2009 and the
FP&AS have been rolled out in 502 branches as
on 31/03/2009. The RMs PB and the Customer
Relation Executives (CREs-PB) in these branches
will not only help the Vishesh and HNI
Customers in managing their assets through a
mix of products and strategies but will also
advise them for optimally meeting their needs
of protection, investment in various classes of
assets through investment planning, tax
planning, retirement and real estate plans. This
initiative will add enormous value to our
offerings and increase customer stickiness,
especially in the retail segment.
• Demat Services and eZ-trade@sbi (Online
Trading) services are now available at more than
1500 branches across India. In FY 2008-09, the
Bank has introduced several customer friendly
features in our demat accounts like digitally
signed email statements and SMS alerts on select
demat account transactions. Features such as
Online instructions for securities transfer and
pledge/unpledge, search ISINs, view Transaction
Status, view Settlement Calendar and order
delivery instruction booklet online are available
through www.onlinesbi.com. Our objective for the
next financial year is to extend our reach to
as many centres as possible while continuously
honing our products by adding more value
added features.
Custodial Services
• India's attractiveness as a destination for
investments is continuously on the increase and
handling securities and providing full range of
custodial services to the Foreign Institutional
Investors as well as to the domestic investors
offers great potential.
• The Bank has entered into a Joint Venture (JV)
Agreement with Societe Generale Securities
Services (SGSS) on June 05, 2008 for starting the
Custodial Services business. SBI Custodial
Services Pvt. Ltd. has been incorporated initially
 †Ôã•ããè†Ôã†Ôã Íãì ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãŠã ‚ã¶ãì½ããñª¶ã
¹ãÆ㹦㠇ãŠÀ ãäÊã¾ãã Øã¾ãã Öõý Ôãñºããè Ôãñ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ¶ãñ ‡ãñŠ ºããª,
ƒÔã ‡ã⊹ã¶ããè ‡ãŠãñ †‡ãŠ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ã⊹ã¶ããè ‡ãñŠ ¹㠽ãò ¹ããäÀÌããä¦ãæ㠇ãŠÀ
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‚ããõÀ ÍãñÓã ‚ãâÍã£ãããäÀ¦ãã †Ôã•ããè†Ôã†Ôã ‡ãñŠ ¹ããÔã ÖãñØããèý
• Ö½ããÀñ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãñŠ ØãÆãÖ‡ãŠãò ½ãò ½ã쌾ã ¹ã Ôãñ ãäÌãªñÍããè ÔãâÔ©ã㦽ã‡ãŠ
ãä¶ãÌãñÍã‡ãŠ, ªñÍããè¾ã ÔãâÔ©ã㦽ã‡ãŠ ãä¶ãÌãñÍã‡ãŠ, ½¾ãîÞãì‚ãÊ㠹㊥¡, ¹ãòÍã¶ã
¹ãŠ¥¡ ‚ãããäª Íãããä½ãÊã ÖãñâØãñý ̾ãÌãÔãã¾ã ¾ããñ•ã¶ãã ½ãò ¦ããè¶ã ÌãÓããô ½ãò
ªñÍããè¾ã †Ìãâ ÌãõãäÍÌã‡ãŠ ‚ããä¼ãÀàãã ÔãñÌãã‚ããò ½ãò 8-10 ¹ãÆãä¦ãÍã¦ã ºãã•ããÀ
‚ãâÍã ‡ãŠãè ¹ããäÀ‡ãŠÊ¹ã¶ãã ‡ãŠãè ØãƒÃ Öõý
• ‡ã⊹ã¶ããè ´ãÀã ‚ã¹ã¶ãã ̾ãÌãÔãã¾ã ãäÌ㦦ããè¾ã ÌãÓãà 2009-10 ½ãò ÍããèÜãÆ
Íãì ãä‡ãŠ† •ãã¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý
Ôãã£ããÀ¥ã ºããè½ãã
• †Ôãºããè‚ãムÊãヹ㊠ÔãâÀàã¥ã ÔãñÌãã‚ããò ‡ãñŠ ‚ãâ¦ãØãæ㠂ããâãäÍã‡ãŠ ÔãñÌãã†â
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Ôãñ ºããè½ãã ½ãâ•ãîÓãã ¹ãî¥ãà Öãñ •ãã†Øããèý ƒÔãÔãñ Ö½ããÀñ ̾ãã¹ã‡ãŠ ÍããŒãã
¶ãñ›Ìã‡ãÊ ‡ãñŠ ½ã㣾ã½ã Ôãñ ØãÆãÖ‡ãŠãò ‡ãŠãñ ½ãîʾãÌããä£ãæã ÔãñÌãã†ú ¹ãƪã¶ã ‡ãŠÀ¶ãñ
‡ãŠãè àã½ã¦ãã ½ãò Ìãðãä® ÖãñØããè ‚ããõÀ ºãö‡ãŠ ‡ãŠãè œãäÌã ãä¶ãŒãÀñØããèý
• ƒÔããè ¦ã©¾ã ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¦ãñ Öì† ºãö‡ãŠ ¶ãñ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãñŠ ½ã㣾ã½ã
Ôãñ Ôãã£ããÀ¥ã ºããè½ãã ̾ãÌãÔãã¾ã ½ãò ¹ãÆÌãñÍã ‡ãŠÀ¶ãñ ‡ãŠã ãä¶ã¥ãþã ãäÊã¾ãã Öõý
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ºãõ‡ãŠ†Í¾ããñÀÔò ã Þãõ¶ãÊã ‡ãŠãñ ÔãÍã‡ã‹¦ã ºã¶ãã¶ãã Öõý Ö½ããÀã „ªáªñ;ã Ôã½ãîÖ
̾ãÌãÔãã¾ã ‡ãŠãè ½ãîʾãÌããä£ãæ㠄¦¹ããªãò Ôãñ Êãã¼ã „Ÿã¶ãã ‚ããõÀ „Ôãñ ÔãÍã‡ã‹¦ã
ºã¶ãã¶ãã, ‚ããõÀ Ôãã£ããÀ¥ã ºããè½ãã ̾ãÌãÔãã¾ã ‡ãñŠ àãñ¨ã ½ãò †‡ãŠ ¹ãƽãìŒã ãäŒãÊããû¡ãè
‡ãñŠ ¹㠽ãò Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ‡ãŠãñ Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãã Öõý
• ƒâ;ããñÀÔò ã ‚ããÔ›Èãñ Êä ã¾ãã Øãƹì ã (‚ãテ•ããè) ‡ãñŠ Ôãã©ã 24 ¶ãÌãâºãÀ 2008
‡ãŠãñ †‡ãŠ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõý ¼ããÀ¦ããè¾ã ãäÀ•û ãÌãà ºãö‡ãŠ Ôãñ
‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ¶ãñ ‡ãñŠ ºã㪠ֽã¶ãñ †Ôãºããè‚ãムÔãã£ããÀ¥ã ºããè½ãã ‡ãâŠ.
ãäÊã. ‡ãñŠ ¶ãã½ã Ôãñ †‡ãŠ ‚ã¶ãìÓãâØããè ãä¶ãØããä½ã¦ã ‡ãŠãè Öõý ƒÔã Ôã½ã¾ã ‡ã⊹ã¶ããè
ºããè½ãã ̾ãÌãÔãã¾ã Íãì ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ããÌã;ã‡ãŠ ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¶ãì½ããñª¶ã
¹ãÆ㹦㠇ãŠÀ¶ãñ ‡ãŠãè ¹ãÆã‰ä ㊾ãã ½ãò Öõý Ö½ãò ‚ããÍãã Öõ ãä‡ãŠ ¶ãƒÃ ‚ã¶ãìÓãâØããè ‡ãŠã
¾ãÖ Ì¾ãÌãÔãã¾ã ÌãÓãà 2009-10 ‡ãŠãè ¦ããèÔãÀãè ãä¦ã½ããÖãè ½ãò Íãì Öãñ •ãã†Øããý
¹ãÆãƒÌãñ› ƒÃãä‡ã‹Ìã›ãè
• Ìãõ‡ãŠãäʹã‡ãŠ ‚ãããäÔ¦ã Ñãñ¥ããè ‡ãñŠ ¹㠽ãò ¹ãÆãƒÌãñ› ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ºãü¤¦ãñ
Öì† ½ãÖ¦Ìã ‚ããõÀ ƒÔãÔãñ Öãñ¶ãñ ÌããÊãñ ‚ãã‡ãŠÓãÇ㊠¹ãÆãä¦ã¹ãŠÊã ‡ãŠãñ ªñŒã¦ãñ
Öì†, ºãö‡ãŠ ¶ãñ ƒÔã àãñ¨ã ½ãò ¹ãÆÌãñÍã ‡ãŠÀ¶ãñ ‡ãŠã ãä¶ã¥ãþã ãäÊã¾ãã Öõ ‚ããõÀ
ƒÔã Ôãâºãâ£ã ½ãò ‚ããØãñ ‡ãŠãè ‡ãŠãÀÃÌããƒÃ ‡ãŠãè ØãƒÃ Öõý
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46
C46 K46
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ÀãÓ›Èãè¾ã ƒÊãñ‡ã‹›Èããä¶ã‡ãŠ ãä¶ããä£ã ‚ãâ¦ãÀ¥ã (†¶ãƒÃ†¹ãŠ›ãè)
ºãö‡ãŠ ‚ããÀ›ãè•ããè†Ôã ‚ããõÀ †¶ãƒÃ†¹ãŠ›ãè Þãõ¶ãÊããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ‚ãâ¦ãÀ-
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Öõý ֽ㠂㶾㠇ãŠãÀ¹ããñÀñ›ãò/ÔãÀ‡ãŠãÀãè ãäÌã¼ããØããò ‡ãŠãñ †¶ãƒÃ†¹ãŠ›ãè ‡ãŠã
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½ãò ‡ãŠƒÃ Øãì¥ãã Ìãðãä® ÖìƒÃ Öõý ƒÔã àãñ¨ã ½ãò ºãö‡ãŠ ‡ãñŠ ¡ñãäºã› ‡ãŠã¡ãô ‡ãñŠ ¹ãƾããñØã
‡ãŠãñ ºãü¤ãÌãã ªñ¶ãñ ‡ãñŠ ãäÊㆠØ㟕ããñü¡ Êããù¾ãÊã›ãè ‡ãŠã¾ãÉ㊽㠂ãããäª •ãõÔãñ
‚ã¶ãñ‡ãŠ ¹ãÆÔ¦ããÌã ¦ãõ¾ããÀ ãä‡ãŠ† •ãã ÀÖñ Ööý
¼ãìØã¦ãã¶ã Ôã½ãã£ãã¶ã ̾ãÌãÔãã¾ã ‡ãŠã Ôã½ãñ‡ãŠ¶ã
ºãö‡ãŠ ¼ãìØã¦ãã¶ã Ôãâºãâ£ããè ‚ã¹ã¶ãñ ãäÌããä¼ã¸ã ̾ãÌãÔãã¾ããò ‡ãñŠ ãäÊㆠÔãâØ㟶ã㦽ã‡ãŠ
¹ãì¶ãÔãÄÀÞã¶ãã ‡ãŠÀ¶ãñ ‚ããõÀ ¾ããäª ‚ããÌã;ã‡ãŠ Öì‚ãã, ¦ããñ ‚ãホãè Ø㟕ããñû¡
 as a 100% subsidiary of the Bank and RBI
approval for inducting SGSS as a JV partner has
been obtained. After receipt of approval from
SEBI, the company would be converted into a JV
Company with SBI holding 65% of the equity and
the balance held by SGSS.
• The Clients of our JV would mainly comprise FIIs,
Domestic FIs, Mutual Funds, Pension Funds etc.
The Business plan envisages a 8-10 % market
share in domestic and global custody in 3 years.
The Company is expected to commence its
operations early in the financial year 2009-10.
General Insurance
• While SBI Life is meeting a part of the
requirements under Protection Services, the
insurance offering bouquet will be complete with
the inclusion of General Insurance products,
greatly enhancing the customer value proposition
at our vast branch network and enhancing the
brand value of the Bank.
• With this end in view, the Bank has decided to
enter into the General Insurance business through
the joint venture route. The main reason for the
Bank's foray into General Insurance business is
to leverage the Bancassurance channel. We aim
to capture and leverage the value of in-house
business, and establish State Bank Group as a
leading player in the arena of General Insurance.
• The J.V. Agreement has been signed with
Insurance Australia Group (IAG) on the 24th
November 2008. We have incorporated a
subsidiary under the name SBI General Insurance
Co. Ltd. after receiving approval from the RBI.
The Company is currently in the process of
obtaining necessary regulatory approvals for
commencement of Insurance business. We
anticipate the start of the business for the new
subsidiary in the third quarter of 2009-10.
Private Equity
• In view of the growing importance of private
equity as an alternate asset class and the
attractive returns it offers, the Bank has decided
to enter this area and made substantial progress
in this regard.
• An infrastructure fund has been set up in
collaboration with Macquarie of Australia and
IFC Washington, primarily aimed at investing in
the Indian Infrastructure space. All necessary
regulatory approvals have been received for
47
C47 K47
operationalisation of the fund. Over US $ 1 billion
has been mobilized from large and well known
International Investors including the sponsors.
• The Bank is at an advanced stage in setting up
a general purpose Private Equity Fund jointly
with sovereign entities in Oman. Government of
India has designated the Bank as the
operationalising agency for a similar sovereign
fund with Qatar. Several other Funds are at
various stages of formation.
• As some of the funds initiated by the Bank are on
the verge of operationalisation, the Bank is poised
to play a leading role in this promising sector in
the coming years.
Payment Solutions Business Group
Mobile Banking Services
Mobile Banking Services (MBS) offers scope for
convenient, user friendly, secured and cost
effective alternate channel of banking. MBS has
been launched after RBI approval. Application
based service using SMS and GPRS facilities has
been made available to the customers. The service
is also available over WAP for all mobiles having
GPRS connectivity. MBS has been rolled out to
all our non-rural branches. The product is
comparable to the best available in the market.
Real Time Gross Settlement (RTGS) & National
Electronic Fund Transfer (NEFT)
The Bank has been promoting Inter-Bank
payments through RTGS and NEFT channels. Due
to our sustained efforts, the Bank has witnessed
substantial growth in both inward and outward
RTGS/NEFT remittances. Both RTGS/NEFT
remittance facilities are available through internet
banking and NEFT is also available over Mobile
Banking. We are making efforts for migration of
more corporates / Govt. Departments to NEFT for
effecting their payments to employees/vendors.
Debit Cards
The Bank has been encouraging the usage of
debit cards at Point of Sale (POS) terminals. The
daily average number of transactions at POS has
increased manifold. Various offerings such as
tie ups, loyalty programmes etc. are being
developed to improve the Banks' footprint in
this area.
Consolidation of Payment Solution Business
The Bank has embarked on an ambitious plan to
restructure the organizational and, if necessary,
 ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†‡ãŠ ½ãÖ¦Ìãã‡ãŠãâàããè ¾ããñ•ã¶ãã ºã¶ãã¶ãñ ½ãò ÊãØã Øã¾ãã Öõý ¹ããäÀÞããÊã¶ããò
‡ãŠãè „¦¹ã㪇㊦ãã ºãü¤ã¶ãñ, ªãñÖÀãÌã Àãñ‡ãŠ¶ãñ, ÔãâÔãã£ã¶ããò ‡ãŠã ƒÓ›¦ã½ã „¹ã¾ããñØã
‡ãŠÀ¶ãñ, ÊããØã¦ã ‡ãŠ½ã ‡ãŠÀ¶ãñ ‚ããõÀ ãäÌã‡ãŠãÔã ¹ãÀ ‡ãŠ½ã Ñã½ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†ñÔãã
ãä‡ãŠ¾ãã •ãã ÀÖã Öõý „¹ã¾ãìÇ㋦㠂㣾ã¾ã¶ã Íãì ‡ãŠÀ¶ãñ ¦ã©ãã ƒÔã ½ãã½ãÊãñ ½ãò ºãö‡ãŠ
‡ãŠãñ ¹ãÀã½ãÍãà ªñ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ †‡ãŠ ºããÖÀãè ¹ãÀã½ãÍãÇ㊠ãä¶ã¾ãì‡ã‹¦ã ãä‡ãŠ¾ãã
Öõý ¾ãÖ ‡ãŠã¾ãÃ, •ãºã ¹ãî¥ãà Öãñ •ãã†Øãã, ¦ãºã ƒÔãÔãñ ‡ãŠã¹ãŠãè ¹ãŠã¾ãªñ ãä½ãÊã¶ãñ ‡ãŠãè
‚ããÍãã Öõý
•ã. ‚ãâ¦ãÀÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ
•ã.1 ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãŠã ¹ããäÀÞããÊã¶ã
ƒÔã ÌãÓãà ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ, ºãö‡ãŠ ‡ãñŠ 92 ãäÌãªñÍããè ‡ãŠã¾ããÃÊã¾ã ©ãñ, •ããñ 32 ªñÍããò ‚ããõÀ
Ôã¼ããè Ôã½ã¾ã àãñ¨ããò ½ãò ¹ãõŠÊãñ Öì† Ööý ƒ¶ã 92 ‡ãŠã¾ããÃÊã¾ããò ½ãò 37 ÍããŒãã†â,
•ã. 2 ªñÍããè¾ã ¹ããäÀÞããÊã¶ã
5 „¹ã-‡ãŠã¾ããÃÊã¾ã, 8 ¹ãÆã¦ä ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ã, ‚ã¶ãìÓãâãØä ã¾ããò ‡ãŠãè 35 ÍããŒãã†â,
3 ½ãõ¶ãñ•¡ †‡ã‹ÔãÞãò•ã ‡ã⊹ããä¶ã¾ããâ ‚ããõÀ 4 Ôãâ¾ãì‡ã‹¦ã „²ã½ã Íãããä½ãÊã Ööý ãäÌãªñÍããè
‡ãŠã¾ããÃÊã¾ããò ‚ããõÀ ‚ã¶ãìÓãâãØä ã¾ããò ‡ãŠã ‚ãããäÔ¦ã Ô¦ãÀ 23.73 ãäºããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè
¡ãÊãÀ ©ãã ‚ããõÀ ƒÔã ¹ãƇãŠãÀ ƒÔã½ãò ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ¦ãìÊã¶ãã ½ãò 20 ¹ãÆã¦ä ãÍã¦ã ‡ãŠãè
Ìãðã®
ä ª•ãà Öìƒýà ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÌãªñÍããè ‡ãŠã¾ããÃÊã¾ããò ¶ãñ 151 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè
¡ãÊãÀ ‡ãŠã ãä¶ãÌãÊã Êãã¼ã ‡ãŠ½ãã¾ããý
Ôã½ãì³¹ããÀãè¾ã ãäÌãÔ¦ããÀ
‚ãÖæãã¹ãÆ㹦㠹ãî¥ãà ºãö‡ãŠ ‡ãŠã ÊããƒÔãòÔã ¹ãÆ㹦ã Öãñ¶ãñ ‡ãñŠ ºããª, ÌãÓãà ‡ãñŠ ªãõÀã¶ã
ºãö‡ãŠ ¶ãñ ãäÔãâØãã¹ãìÀ ½ãò ŒãìªÀã ¹ããäÀÞããÊã¶ã Íãì ãä‡ãŠ† Ööý ŒãìªÀã ¹ããäÀÞããÊã¶ããò
‡ãŠãñ ºãû¤ã¶ãñ ‡ãñŠ ãäÊㆠ¦ããè¶ã ¶ãƒÃ ÍããŒãã†â ‚ããõÀ Ôãã¦ã †›ã膽ã Ô©ãããä¹ã¦ã ãä‡ãŠ†
ØㆠÖöý ½ããÊãñ ½ãò †‡ãŠ ‡ãŠã¾ããÃÊã¾ã ‚ããõÀ †‡ãŠ „¹ã ‡ãŠã¾ããÃÊã¾ã ‡ãŠãñ ¶ãñ›Ìã‡ãÊ Ôãñ
•ããñü¡ ã䪾ãã Øã¾ãã Öõ ‚ããõÀ Þããè¶ã ‡ãñŠ ›ã¾ã¶ãããä•ã¶ã ½ãò †‡ãŠ ¹ãÆãä¦ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ã
¶ãñ ¹ããäÀÞããÊã¶ã Íãì ‡ãŠÀ ã䪾ãã Öõý †Ôãºããè‚ãム‡ãõŠãäÊã¹ãŠãñãä¶ãþãã, •ããñ ‚ã½ãñãäÀ‡ãŠã
½ãò ºãö‡ãŠ ‡ãŠãè ¹ãî¥ãà ÔÌãããä½ã¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè Öõ, ¶ãñ ºãõ‡ãŠÔãùãŠãèÊ¡ ½ãò ‚ã¹ã¶ããè
Ôãã¦ãÌããé ÍããŒãã ‡ãŠãè ÍãìÁ‚ãã¦ã ‡ãŠãè Öõý ¹ããè›ãè ºãö‡ãŠ ƒâ¡ãñ½ããù¶ãñ‡ã‹Ôã ãäÊã. •ããñ
ƒâ¡ãñ¶ãñãäÍã¾ãã ½ãò ‚ããâãäÍã‡ãŠ ÔÌãããä½ã¦¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè Öõ, ¶ãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã
2 ÍããŒãã†â ŒããñÊããè Ööý ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊã. •ããñ †‡ãŠ Ôãâ¾ãì‡ã‹¦ã
„²ã½ã Öõ, ¶ãñ 16 ¶ãƒÃ ÍããŒãã†â ŒããñÊããè Ööý †Ôãºããè‚ãム(½ããÀãèÍãÔã) ãäÊã.
‡ãñŠ ¶ãã½ã Ôãñ †‡ãŠ ¶ãƒÃ ‚ã¶ãìÓãâØããè ºã¶ãã¶ãñ ‡ãñŠ ãäÊㆠ½ããÀãèÍãÔã ½ãò ºãö‡ãŠ ‡ãŠãè ªãñ
‚ã¶ãìÓãâãäØã¾ããâ, ‚ã©ããæ㠃âã䡾ã¶ã ‚ããñãäÍã¾ã¶ã ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ ãäÊã. ‚ããõÀ
†Ôãºããè‚ãムƒâ›À¶ãñÍã¶ãÊã (½ããÀãèÍãÔã) ãäÊã. ‡ãŠã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÌãÊã¾ã ‡ãŠÀ
ã䪾ãã Øã¾ããý
ÔãâÔãã£ã¶ã ¹ãƺãâ£ã¶ã
ÌãõãäÍÌã‡ãŠ ãäÌ㦦ããè¾ã ºãã•ããÀ ½ãò ÖÊãÞãÊã ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ºããÌã•ãîª, ºãö‡ãŠ ‡ãñŠ
ãäÌãªñÍããè ‡ãŠã¾ããÃÊã¾ããò ¶ãñ ÞãÊããä¶ããä£ã ãäÔ©ããä¦ã ‡ãŠãñ Ôãâ¦ããñÓã•ã¶ã‡ãŠ ºã¶ãㆠÀŒããý
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã, ºãö‡ãŠ ‡ãñŠ †½ã›ã膶㠇ãŠã¾ãÉ㊽㠂ããõÀ ãäÌããä¼ã¸ã
¹ããäÀ¹ã‡ã‹Ìã¦ãã ÌããÊãñ ãä´¹ãàããè¾ã ¨ãÉ¥ããò ‡ãñŠ ‚ãâ¦ãØãæ㠺ãö‡ãŠ ‡ãñŠ ãäÌãªñÍããè ‡ãŠã¾ããÃÊã¾ããò
´ãÀã 686 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ (ÊãØã¼ãØã Á. 3480 ‡ãŠÀãñü¡)
‡ãŠãè ÀããäÍã •ãì›ãƒÃ ØãƒÃý
48
C48 K48
‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ã ̾ãÌãÔãã¾ã
ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ºãö‡ãŠ ‡ãŠãè ‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ã •ã½ãã ÀããäÍã¾ããò ½ãò Á.8,948
‡ãŠÀãñü¡ ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ÌãÓãà ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ¾ãÖ ÀããäÍã Á. 48,950
‡ãŠÀãñû¡ ‡ãñŠ Ô¦ãÀ ¦ã‡ãŠ ¹ãÖìâÞã ØãƒÃý ƒÔããè ¦ãÀÖ, ‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ããò ‡ãŠãñ ã䪆
Øㆠ‚ããäØãƽããò ‡ãŠãè ÀããäÍã ½ãò Á. 197 ‡ãŠÀãñü¡ ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ‚ãºã ƒ¶ã‡ãŠãè
ÀããäÍã Á.1,218 ‡ãŠÀãñ¡ü Öõý œÖ ¶ãƒÃ †‡ã‹ÔãÞãò•ã ‡ã⊹ããä¶ã¾ããò ‡ãñŠ Ôãã©ã Ø㟕ããñ¡ü
‡ãŠÀ¶ãñ Ôãñ, †ñÔãñ Ø㟕ããñ¡û ÌããÊããè ‡ã⊹ããä¶ã¾ããò ‡ãŠãè Ôã⌾ãã 20 Öãñ ØãƒÃý ¾ãî†Ôã†
‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãñŠ ãäÊㆠÍããèÜãÆ £ã¶ã¹ãÆÓñ ã¥ã ‡ãñŠ ãäÊㆠ`Àõã¹ä ã¡ Àõã½ä ã›òÔã' ¶ãã½ã‡ãŠ †‡ãŠ
¶ã¾ãã „¦¹ã㪠Íãì ãä‡ãŠ¾ãã Øã¾ããý ºãö‡ãŠ ‡ãñŠ „¦¹ããªãò ‚ããõÀ ‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ããò
‡ãŠãñ ªãè •ãã¶ãñÌããÊããè ÔãñÌãã‚ããò ‡ãŠã ¹ãÆÞããÀ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÌããä¼ã¸ã
½ããèã¡ä ¾ãã ½ãò ‚ã¶ãñ‡ãŠ ¹ãÆÞããÀ ‚ããä¼ã¾ãã¶ã Íãì ãä‡ãŠ† Øã†ý
ãä¶ã¾ããæ㠨ãÉ¥ã
31 ½ããÞãà 2009 ‡ãŠãñ ºãö‡ãŠ ‡ãñŠ ºã‡ãŠã¾ãã ãä¶ã¾ããæ㠨ãÉ¥ããò ‡ãŠãè ÀããäÍã Á. 26,732
‡ãŠÀãñ¡ü ÀÖãèý ãä¶ã¾ããæã Øããä¦ããäÌããä£ã¾ããò ÌããÊããè ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãŠã ãäÌ㦦ã¹ããñÓã¥ã ‡ãŠÀ¶ãñ ½ãò
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè Ôããä‰ãŠ¾ã ÔãÖ¼ãããäØã¦ãã ‡ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹ã Á.12,460
‡ãŠÀãñ¡ü ‡ãŠãè ‡ãìŠÊã ÔãâãÌä ãªã ÀããäÍã ÌããÊãñ 22 ¹ããäÀ¾ããñ•ã¶ãã ãä¶ã¾ããæ㠹ãÆÔ¦ããÌããò ½ãò ºãö‡ãŠ
ãäÌ㦦ããè¾ã ÔãÖã¾ã¦ãã „¹ãÊ㺣㠇ãŠÀã ÀÖã Öõý ƒÔã ÌãÓãà ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ƒ¶ã ¹ããäÀ¾ããñ•ã¶ãã‚ããò
‡ãñŠ ¹ãÆã¦ä ã ºãö‡ãŠ ‡ãŠãè ‚ã¹ã¶ããè ¨ãÉ¥ã ÀããäÍã Á.1,492 ‡ãŠÀãñ¡ü ÀÖãèý
½ãÞãô› ºãöãä‡ãâŠØã
‚ã©ãÃ̾ãÌãÔ©ãã ‡ãñŠ £ããè½ããè Öãñ¶ãñ ‚ããõÀ ÞãÊããä¶ããä£ã ‡ãŠãè ‡ãŠã䟶ã ãäÔ©ããä¦ã ‡ãñŠ ºããÌã•ãîª,
ÌãÓãà 2008 ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ †ãäÍã¾ãã ¹ãÆÍããâ¦ã (•ãã¹ãã¶ã ‡ãŠãñ œãñ¡û ‡ãŠÀ ¹ãÀâ¦ãì
‚ããÔ›Èãñ Êä ã¾ãã ÔããäÖ¦ã) ½ãò Ôã½ãîֶ㠨ãÉ¥ããò ‡ãñŠ ãäÊㆠ‚ããä£ãªñãÍä ã¦ã ¹ãƽãìŒã ̾ãÌãÔ©ãã¹ã‡ãŠ
‚ããõÀ ºãì‡ãŠ À¶ãÀ ‡ãñŠ ¹㠽ãò ‚ã¹ã¶ããè ‚ãØãÆ¥ããè ãäÔ©ããä¦ã ºã¶ãㆠÀŒããèý ÌãÓãÃ
2008-09 ½ãò, ‡ãìŠÊã 8,297 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ‡ãñŠ 15 Ôã½ãîÖ¶ã
Ôããõªñ ‚ããõÀ ‡ãìŠÊã 285 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ‡ãŠãè 13 ãä´¹ãàããè¾ã ÔãìãÌä ã£ãã†â
Ôãâ¹ã¸ã Öìƒýà ÌãÓãà ‡ãñŠ ªãõÀã¶ã 2,269 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ‡ãŠãè ºãö‡ãŠ ‡ãŠãè
ÔãÖ¼ãããäØã¦ãã ‡ãñŠ Ôãã©ã ‡ãìŠÊã 7,300 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ‡ãñŠ 22
ãäÌãÊã¾ã †Ìãâ ‚ããä¼ãØãÆÖ¥ã (†½ã†¥¡†) ‡ãŠÀãÀ ãä‡ãŠ† Øã†ý
ÌãõãäÍÌã‡ãŠ Ôãâ¹ã‡ãÊ ÔãñÌãã†â (•ããè†Êã†Ôã)
•ããè†Êã†Ôã, •ããñ ºãö‡ãŠ ‡ãŠã †‡ãŠ ãäÌãÍãñÓã ¹ãƇãŠãÀ ‡ãŠã ãäÌã¼ããØã Öõ, £ã¶ã¹ãÆÓñ ã¥ããò ‡ãŠãñ ÍããèÜãƦãã
Ôãñ Ôãâ¹ã¸ã ‡ãŠÀ¶ãñ ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¦ãã Öõý ÌãÓãà 2008-09 ½ãò,
•ããè†Êã†Ôã ¶ãñ ªñÍããè¾ã ÍããŒãã‚ããò ‡ãŠãè ‚ããñÀ Ôãñ 139,788 ãä¶ã¾ããæã ãäºãÊããò ‚ããõÀ
‡ãìŠÊã 17.45 ãäºããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ‡ãñŠ 193,286 ãäÌãªñÍããè ½ãì³ã ÌããÊãñ Þãñ‡ãŠãò
‡ãŠã ãä¶ã¹ã›ã¶ã ãä‡ãŠ¾ããý ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, ƒÔã¶ãñ ½ã£¾ã ¹ãîÌãÃ, ¾ãî‡ãñŠ ‚ããõÀ ¾ãî†Ôã†
‡ãñŠ ãäÌããä¼ã¸ã ‡ãñŠ¶³ãò Ôãñ 2.39 ãäºããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ‡ãŠãè ÀããäÍã ‡ãñŠ 2,196,447
‚ããÌã‡ãŠ £ã¶ã¹ãÆÓñ ã¥ã Ôãâºãâ£ããè Êãñ¶ãªñ¶ã ‡ãŠã ãä¶ã¹ã›ã¶ã ãä‡ãŠ¾ããý
Ôãâ¹ã‡ãŠãê Ôãâºãâ£ã
ãäÌããä¼ã¸ã ¹ãƇãŠãÀ ‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãŠãñ ¦ããÀ ÀãäÖ¦ã ÔãñÌãã†â ¹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†
527 ¹ãÆãä¦ããäÓŸ¦ã ‚ãâ¦ãÀÀãÓ›Èãè¾ã ºãö‡ãŠãò ‡ãñŠ Ôãã©ã Ôãâ¹ã‡ãŠãê ºãöãä‡ãâŠØã ‡ãŠÀãÀ ãä‡ãŠ†
Øã†ý ¾ãñ Ôãâ¹ã‡ãŠãê ºãö‡ãŠ 124 ªñÍããò ½ãò ãäÔ©ã¦ã Ööý ãäÌ㦦ããè¾ã ÔãâªñÍããò ‡ãŠã
 IT set up for its various payment related businesses.
This is being done to achieve efficiency in
operations, avoid duplication, optimal utilization
of resources, cost effectiveness and bringing about
reduction in development efforts. The Bank has
appointed an outside Consultant for undertaking
the above study and to advise the Bank in the
matter. The exercise, when completed, is expected
to yield substantial benefits.
H. INTERNATIONAL BANKING GROUP
H.1Operation of Foreign Offices
The Bank at the year end had a network of 92
H.2DOMESTIC OPERATIONS
overseas offices spread over 32 countries covering
all time zones. The 92 offices comprised 37
Branches, 5 Sub Offices, 8 Representative Offices,
35 Branches of Subsidiaries, 3 Managed Exchange
Companies and 4 Joint Ventures. The asset level
of Foreign offices and subsidiaries was US$ 23.73
billion registering a growth of 20% over last year.
Foreign Offices earned a net profit of US $ 151
million during the year.
Overseas Expansion
Consequent upon receipt of Qualifying Full Bank
licence, the Bank started retail operations in
Singapore during the year. Three new Branches
and seven ATMs were set up to boost retail
operations. One branch and a sub office were
added to the network in Male and a
Representative Office in Tianjin in China was
operationalised. SBI California, the Bank's wholly
owned subsidiary in USA, opened its seventh
Branch at Bakersfield. PT Bank Indomonex, a
partly owned subsidiary in Indonesia, opened
2 branches during the year. Nepal SBI Bank Ltd.,
a Joint Venture, opened 16 new branches. The
Bank's two partly owned subsidiaries in Mauritius
viz. Indian Ocean International Bank Ltd. and SBI
International (Mauritius) Ltd. were merged during
the year to create a new entity titled SBI
(Mauritius) Ltd. Significant addition to the
overseas network is planned for the current year.
Resource Management
Despite turmoil in global financial market
conditions, the Bank's foreign offices maintained
comfortable liquidity position. During the year
2008-09, US$ 686 million (approximately
Rs. 3,480 crores) was raised by the foreign offices
under Bank's MTN Programme and bilateral loans
of different maturities.
49
C49 K49
NRI Business
The Bank's NRI deposits grew by Rs. 8,948 crores
during the year to reach a level of Rs. 48,950 crores
by the year end. Similarly, advances to NRIs
increased by Rs. 197 crores and now stand at
Rs. 1,218 crores. Six new tie-ups with Exchange
Companies were concluded taking the total such
tie-ups to 20. Rapid Remittance, a faster version
of remittance product, was introduced for the
USA customers. A number of campaigns across
various media were undertaken during the year
to publicize the Bank's products and services.
Export Credit
The Bank's outstanding export credit stood at
Rs. 26,732 crores as on 31.03.2009. State Bank of
India's active participation in financing project
export activities resulted in the Bank supporting
22 project export proposals with contract value
aggregating Rs. 12,460 crores. The Bank's own
exposure as at the year end to these projects was
Rs. 1,492 crores.
Merchant Banking
Despite the slowdown in the economy and tight
liquidity conditions, the Bank retained its
leadership as Mandated Lead Arranger and Book
Runner for syndicated loans in Asia Pacific
(excluding Japan but including Australia) for the
year 2008. 15 syndication deals aggregating
US$ 8,297 million and 13 bilateral facilities
aggregating US$ 285 million were concluded in
2008-09. 22 Mergers and Acquisitions (M&A)
deals aggregating US$ 7,300 million with Bank's
participation level of US$ 2, 269 million fructified
during the year.
Global Link Services (GLS)
GLS, the Bank's specialized outfit, caters to
speedier settlement of remittances. In the year
2008-09, GLS, on behalf of domestic branches,
handled 139,788 export bills and 193,286 foreign
currency cheques aggregating US$ 17.45 billion.
In addition, it handled 2,196,447 inward
remittance transactions amounting to US$ 2.39
billion from various centres in the Middle East,
UK and USA.
Correspondent Relations
The Bank has entered into correspondent banking
arrangement with 527 reputed international banks
to extend seamless services to varied clients.
 ãäÔÌã¹ã‹› ‡ãñŠ ½ã㣾ã½ã Ôãñ ÍããèÜãÆ ¹ãÆñÓã¥ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ¹ããÔã 1626 ¢ã.3 †Ôãºããè‚ãム‡ãŠ½ããäÍãþãÊã †¥¡ ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ ãäÊããä½ã›ñ¡
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ªñÍã •ããñãäŒã½ã †Ìãâ ºãö‡ãŠ ¨ãɥ㠕ããñãäŒã½ã ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ, †Ôãºããè‚ããƒÔããè‚ãム‡ãŠãè ‡ãìŠÊã •ã½ããÀããäÍã¾ããâ †Ìãâ
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ºãö‡ãŠ ½ãò ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãì¹㠆‡ãŠ ºãö‡ãŠ ¶ãñ ‰ãŠ½ãÍã: Á. 11.52 ‡ãŠÀãñ¡ü ‚ããõÀ Á. 11.07 ‡ãŠÀãñ¡ü ‡ãŠã ¹ããäÀÞããÊã¶ã
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„¦¹ã㪠†Ìãâ ¹ãÆãä¦ã¹ãàã ¨ãɥ㠕ããñãäŒã½ã Ôããè½ãã‚ããò ‡ãñŠ ¶¾ãî¶ããè‡ãŠÀ¥ã ‡ãñŠ ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠãè ÀããäÍã Á. 0.23 ‡ãŠÀãñ¡ü ©ããèý
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Ô¦ãÀ ¹ãÀ ‚ãããä©ãÇ㊠ÖÊãÞãÊã ‡ãŠãñ ªñŒã¦ãñ Öì†, ªñÍãÌããÀ ‚ããõÀ ºãö‡ãŠÌããÀ ØãõÀ-ºãöã‡ä ãâŠØã ‚ã¶ãìÓãâãØä ã¾ããâ /Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‡ãñŠ ãä¶ãÓ¹ã㪶㠇ãñŠ „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
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Ôã½ããèàãã ‡ãŠãè •ãã¦ããè Öõý ¨ãɥ㠕ããñãäŒã½ããò ‡ãñŠ ÔÌã¹㠽ãò „¦ããÀ Þãü¤ãÌã ‡ãñŠ †Ôãºããè‚ãム‡ãõŠ¹ã ¹ããäÀ¾ããñ•ã¶ãã ÔãÊããÖ‡ãŠãÀ ÔãñÌãã†â, ÔãâÀÞã¶ã㦽ã‡ãŠ ãäÌ㦦ã
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ÌãØããê‡ãŠÀ¥ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ºãö‡ãŠ ‡ãñŠ ãäÖ¦ããò ‡ãŠãè Ààãã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†Ìãâ ‚ããä¼ãØãÆ֥㠂ããõÀ ¹ãÆãƒÌãñ› ƒÃãä‡ã‹Ìã›ãè ‚ãããäª ‡ãŠãè ̾ãÌãÔ©ãã ¹ãÆÔ¦ãããäÌã¦ã
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¢ã.1 ‚ã¹ã¶ãñ œÖ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãŠãè 4607 ÍããŒãã‚ããò ÔããäÖ¦ã 16055 ‡ãŠãñ ‚ããõÀ ‚ããä£ã‡ãŠ ¹ãƺãÊã ºã¶ãã ãäÊã¾ãã Öõý
ÍããŒãã‚ããò ‡ãñŠ ãäÌãÍããÊã ¶ãñ›Ìã‡ãÊ ÌããÊãã Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ¼ããÀ¦ã ½ãò ºãöãä‡ãâŠØã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ã⊹ã¶ããè ‡ãŠãè ‚ã¶ãñ‡ãŠ „¹ãÊãã亣ã¾ããò ½ãò Ôãñ ½ã쌾ã ãä¶ã½¶ãã¶ãìÔããÀ Öö:
„²ããñØã ½ãò ¹ãƽãìŒã Ô©ãã¶ã ÀŒã¦ãã Öõý ºãöãä‡ãâŠØã ‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, ¾ãÖ Ôã½ãîÖ • ÌãÓãà 2008 ‡ãñŠ ãäÊㆠ©ããù½ãÔã¶ã Àñ›Ôãà ¹ãã膹㊂ãム´ãÀã ‚ããä£ãªñãäÍã¦ã
‚ã¹ã¶ããè ãäÌããä¼ã¸ã ‚ã¶ãìÓãâãäØã¾ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ, Ôã¼ããè ¹ãƇãŠãÀ ‡ãŠãè ºãöãä‡ãâŠØã ¹ãƽãìŒã ̾ãÌãÔ©ãã¹ã‡ãŠ ‡ãñŠ ¹㠽ãò ãäÌãÍÌã ½ãò ¦ããèÔãÀã ª•ããà ¹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ
ÔãñÌãã†â ¹ãƪã¶ã ‡ãŠÀ¦ãã Öõ, ãä•ã¶ã½ãò •ããèÌã¶ã ºããè½ãã, ½ãÞãó¶› ºãöãä‡ãâŠØã, ½¾ãîÞãì‚ãÊã •ãºããä‡ãŠ ÌãÓãà 2007 ½ãò ƒÔãñ ¶ããõÌããâ ª•ããà ¹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý ãä¡Êããùã•ä ã‡ãŠ ´ãÀã
¹ãŠ¥¡, ‰ãñŠãä¡› ‡ãŠã¡Ã, ¹ãõŠ‡ã‹›ãäÀâØã, ¹ãÆãä¦ã¼ãîãä¦ã ›Èñãä¡âØã, ¹ãòÍã¶ã ãä¶ããä£ã †ãäÍã¾ãã ¹ãÆÍããâ¦ã ½ãò ¹ãÆ©ã½ã ¦ã©ãã ãäÌãÍÌã ½ãò ªîÔãÀã ª•ããà ¹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
¹ãƺãâ£ã¶ã ‚ããõÀ ½ãì³ã ºãã•ããÀ ½ãò ¹ãÆã©ããä½ã‡ãŠ ¡ãèÊãÀãäÍã¹ã Íãããä½ãÊã Öõý • Ôãã½ãîãäև㊠¨ãɥ㠂ããä£ãªñÍã‡ãŠ ̾ãÌãÔ©ãã¹ã‡ãŠ ‡ãñŠ ¹㠽ãò ¼ããÀ¦ã ½ãò ‚ããõÀ
¢ã.2 ÔãÖ¾ããñØããè ºãö‡ãŠ ºÊãî½ãºãØãà ´ãÀã Ôãã½ãîãäև㊠¨ãɥ㠺ãÖãè ÔãâÞããÊã‡ãŠ ‡ãñŠ ¹㠽ãò ¼ããÀ¦ã ½ãò
¹ãÆ©ã½ã ª•ããà ¹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ œÖ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãŠã ºãã•ããÀ ‚ãâÍã ½ããÞãà • ©ããù½ãÔã¶ã Àñ›Ôãà ´ãÀã ÌãÓãà 2008 ½ãò `ÌãÓãà ‡ãŠã ÔãÌãÃÑãñÓŸ ºãö‡ãŠ' ‡ãñŠ ¹㠽ãò
2009 ‡ãñŠ ‚ãâãä¦ã½ã Íãì‰ãŠÌããÀ ‡ãŠãñ •ã½ããÀããäÍã¾ããò ½ãò 6.74 ¹ãÆãä¦ãÍã¦ã ‚ããõÀ ‡ã⊹ã¶ããè ‡ãŠãñ ¹ãìÀÔ‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
‚ããäØãƽããò ½ãò 6.95 ¹ãÆãä¦ãÍã¦ã ©ããý • ‡ãŠãñÔ›Êã Øãì•ãÀã¦ã ¹ããÌãÀ ãäÊã. (›ã›ã ‚ãÊ›Èã ½ãñØãã ¹ããÌãÀ ¹Êããâ›) Ôãñ Ôãâºãâã£ä ã¦ã
¦ãããäÊã‡ãŠã:9 ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãñŠ ãä¶ãÓ¹ã㪶㠇ãñŠ „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã ¹ããäÀ¾ããñ•ã¶ãã ‡ãŠãè ¹ãÆã•ñ ãñ‡ã‹› ¹ãŠãƒ¶ãöÔã ƒâ›À¶ãñÍã¶ãÊã ´ãÀã `ÌãÓãà ‡ãŠã ÔãÌãÃÑãñÓŸ ¹ããÌãÀ
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã† ½ãò) Ôããõªã' ‡ãñŠ ¹㠽ãò ‚ããõÀ ¾ãîÀãñ½ã¶ããè ´ãÀã `ÌãÓãà ‡ãŠã ÔãÌãÃÑãñÓŸ ¹ããÌãÀ ¹ãÆã•ñ ãñ‡ã‹› Ôããõªã'
31.03.2008 31.03.2009 ¹ããäÀÌã¦ãö㠇ãñŠ ¹㠽ãò ½ã㶾ã¦ãã ¹ãƪã¶ã ‡ãŠãè ØãƒÃ Öõý
‡ãŠãñ ‡ãŠãñ • ½ããÞãà 2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠãäÌ㦦ããè¾ã ãäÀ¹ããóãä›âØã ½ãò „¦‡ãðŠÓ›¦ãã
‡ãñŠ ãäÊㆠ‚ããƒÔãã膂ãム¹ãìÀÔ‡ãŠãÀãò ‡ãŠãè †‡ãŠ `ãäÌ㦦ã àãñ¨ã' Ñãñ¥ããè ‡ãñŠ ‚ãâ¦ãØãæã
‡ãìŠÊã ‚ãããäÔ¦ã¾ããâ 263221 313099 18.95% ãäÔãÊÌãÀ ÍããèÊ¡ Ôãñ ¹ãìÀÔ‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
‡ãìŠÊã •ã½ããÀããäÍã¾ããâ 218199 264779 21.35% • ‡ã⊹ã¶ããè ¶ãñ ½ããÞãà 2009 ¦ã‡ãŠ 5.55% ‡ãŠãè ÌãÓãà ¹ãÆã¦ä ã ÌãÓãà Ìãðã® ä ªÀ ª•ãÃ
‡ãìŠÊã ‚ããäØãƽã 166050 198583 19.59% ‡ãŠÀ‡ãñŠ Á. 150.07 ‡ãŠÀãñ¡ü ‡ãŠã ‡ãŠÀ ¹ãÍÞãã¦ã Êãã¼ã ‡ãŠ½ãã¾ãã Öõý
¹ããäÀÞããÊã¶ã Êãã¼ã 4160 5495 32.11% • 120% Êãã¼ããâÍã ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè ØãƒÃ Öõ •ãºããä‡ãŠ ãäÌ㦦ã ÌãÓãÃ
ãä¶ãÌãÊã Êãã¼ã 2225 2774 24.71% 2007-08 ‡ãñŠ ãäÊㆠ100% Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý
¨ãɥ㠕ã½ãã ‚ã¶ãì¹ãã¦ã 76.10 75.00 -1.10 ¢ã.5 †Ôãºããè‚ãム‡ãõŠ¹ã ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊã. (†Ôã†Ôã†Êã)
¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã 12.52 13.01 +0.49
†Ôã†Ôã†Êã, ãä•ãÔã¶ãñ ‚ã¹ã¶ãã ¹ããäÀÞããÊã¶ã •ãî¶ã 2006 ½ãò Íãì ãä‡ãŠ¾ãã
Ôã‡ãŠÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 2465.41 2763.56 12.09% ©ãã, †‡ãŠ ºãÆãñãä‡ãâŠØã ÔãñÌãã ‡ã⊹ã¶ããè Öõ •ããñ ãäÀ›ñÊã †Ìãâ ÔãâÔ©ããØã¦ã ØãÆãÖ‡ãŠãò ‡ãŠãñ
ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 972.36 1191.26 22.51% ¶ã‡ãŠª †Ìãâ Ìãã¾ãªã ‚ããõÀ ãäÌã‡ãŠÊ¹ã Ôããõªãò ½ãò ƒãä‡ã‹Ìã›ãè ºãÆãñãä‡ãâŠØã ÔãñÌãã†â
ƒãä‡ã‹Ìã›ãè Ôãñ ‚ãã¾ã 18.50% 19.83% 1.33 ¹ãƪã¶ã ‡ãŠÀ¦ããè Öõý ¾ãÖ ½¾ãîÞãì‚ãÊ㠹㊥¡ ‚ãããäª •ãõÔãñ ‚㶾ã ãäÌ㦦ããè¾ã

50

C50 K50
 These correspondent Banks are located in 124 I.3 SBI Commercial & International Bank Ltd. (SBICI)
countries. The Bank also has 1626 Bilateral Key As at the end of March 2009, the aggregate
Exchange (BKE) arrangements for SWIFT deposits and total advances of SBICI stood
facilitating speedier flow of financial messages. at Rs.538.33 crores and Rs.315.34 crores
Country Risk & Bank Exposures respectively. The Bank recorded an operating and
The Bank has a Country Risk Management Policy net profit of Rs.11.52 crores and Rs.11.07 crores
in tune with RBI guidelines. The policy outlines respectively. The net NPAs as at the end of
robust risk management models with prescriptions March 2009 was Rs.0.23 crores.
for Country, Bank, Product and Counterparty Performance Highlights of Non-Banking Subsidiaries/
exposure limits. Considering the global economic Joint Ventures
turmoil, both Country wise and Bank wise exposure
I.4 SBI Capital Markets Limited (SBICAP)
limits are monitored and reviewed on a regular
basis. The exposure ceilings and classifications are SBICAP is a full service investment banking outfit
moderated in line with the dynamics of their risk offering Project Advisory Services, arrangement
profiles. Periodical corrective steps are initiated of Structured Finance, Capital Market Services
to safeguard the Bank's interests. like Equity Issuances, Mergers & Acquisitions and
arrangement of Private Equity, etc. The company,
I. ASSOCIATES AND SUBSIDIARIES during the year, has further consolidated its
I.1 The State Bank Group with a network of 16055 dominant position as arrangers of debt for the
branches including 4607 branches of its six corporate sector both in the infrastructure as well
Associate Banks dominates the banking industry as non-infrastructure sectors.
in India. In addition to banking, the Group, The following achievements are some of the many
through its various subsidiaries, provides a whole recognitions won by the Company during the year:
range of financial services, which include Life • Ranked 3rd globally as Mandated Lead Arranger
Insurance, Merchant Banking, Mutual Funds, by Thompson Reuters PFI for 2008 as against 9th
Credit Card, Factoring, Security trading, Pension globally in 2007. Ranked No.2 globally and No.1
Fund Management and Primary Dealership in the in Asia Pacific by Dealogic.
Money Market. • Ranked 1st as India Syndicated Loan Mandated
I.2 Associate Banks Arranger and as India Syndicated Loans Book
SBI's six Associate Banks had a market share of runner by Bloomberg.
6.74% in deposits and 6.95% in advances as on • The Company has been awarded "Bank of the
last Friday of March 2009. year" award in 2008 by Thompson Reuters.
• The project relating to Coastal Gujarat Power Ltd.
Table : 9 Performance Highlights of
(Tata Ultra Mega Power Plant) has been recognised
Associate Banks (ABs)
by Project Finance International as “Power Deal
(Amounts in Rs. crores) of the Year” and as “Best Power Project Deal of
As on As on Change the Year” by Euromoney.
31.03.2008 31.03.2009 • Awarded Silver Shield under the category ‘Finance
sector’ of ICAI Awards for Excellence in Financial
Agg. Assets 263221 313099 18.95%
Reporting for the year ended March 2008.
Agg. Deposits 218199 264779 21.35%
• The company has posted a PAT of Rs.150.07 crores
Agg. Advances 166050 198583 19.59%
registering YoY growth of 5.55% upto March 2009.
Operating Profit 4160 5495 32.11%
• Declared a dividend of 120% as against 100% for
Net Profit 2225 2774 24.71%
the FY2007-08.
Credit Deposit
Ratio 76.10 75.00 -1.10 I.5 SBICAP Securities Limited (SSL)
Capital Adequacy SSL, which commenced its operations in June
Ratio 12.52 13.01 +0.49 2006, is a broking company offering equity
Gross NPA 2465.41 2763.56 12.09% broking services to retail and institutional clients
Net NPA 972.36 1191.26 22.51% both in the Cash as well as in the Futures and
Return on Equity 18.50% 19.83% 1.33 Options segments. It is also engaged in sales &
distribution of other financial products like

51

C51 K51
 „¦¹ããªãò ‡ãñŠ ãäÌã‰ãŠ¾ã ‚ããõÀ ãäÌã¦ãÀ¥ã ‡ãŠã ¼ããè ‡ãŠã¾ãà ‡ãŠÀ¦ããè Öõý ‡ã⊹ã¶ããè ¶ãñ
†Ôãºããè‚ãム‚ããõÀ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãñŠ ãäÊㆠƒÃ-ºãÆãñãä‰ãâŠØã
ÔãñÌãã†â Íãì ‡ãŠãè Ööý †Ôã†Ôã†Êã ‡ãŠãè 48 ÍããŒãã†â Ööý 18 ‡ã⊹ããä¶ã¾ããò
‡ãŠãñ ãäÌãÍãñÓã ãäÌã‰ãŠ¾ã ‚ããä£ã‡ãŠãÀ ¹ãƪã¶ã ãä‡ãŠ† ØㆠÖö •ããñ ãäÀ›ñÊã †Ìãâ
ÔãâÔ©ããØã¦ã ªãñ¶ããò ¹ãƇãŠãÀ ‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãŠãñ ¡ãè½ãõ›, ƒÃ-ºãÆãñãä‰ãâŠØã, ƒÃ-‚ãヹããè‚ããñ
‚ããõÀ ƒÃ-†½ã†¹ãŠ ÔãñÌãã†â ¹ãƪã¶ã ‡ãŠÀ¦ããè Ööý
¢ã.6 †Ôãºããè‚ãム‡ãõŠ¹Ôã ÌãöÞãÔãà ãäÊããä½ã›ñ¡ (†ÔãÌããè†Êã)
†Ôãºããè‚ãム‡ãõŠ¹Ôã ÌãõÞãÔãà ãäÊããä½ã›ñ¡ (†ÔãÌããè†Êã), †‡ãŠ 100 ãä½ããäÊã¾ã¶ã
‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ÌããÊãã ÌãöÞãÀ ‡ãõŠãä¹ã›Ê㠹㊥¡, •ããñ †Ôãºããè‚ãムÖãñãäÊ¡âØã
ƒ¶ã‡ãŠãÀ¹ããñÀÍñ ã¶ã (Ôãã¹ã‹›ºãö‡ãŠ), •ãã¹ãã¶ã ‡ãñŠ Ôãã©ã Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ Öõ, ¶ãñ ªãñ
‡ã⊹ããä¶ã¾ããò ½ãò 8 ãä½ããäÊã¾ã¶ã ‚ã½ãÀãè‡ãŠãè ¡ãÊãÀ ãä¶ãÌãñÍã ãä‡ãŠ† Öö ‚ããõÀ ¾ãÖ ‚ã¶ãñ‡ãŠ
ãä¶ãÌãñÍã ¹ãÆÔ¦ããÌããò ‡ãŠãè ÔãâÌããèàãã ‡ãŠÀ ÀÖãè Öõý ƒÔ㠹㊥¡ ‡ãñŠ ‡ãŠã¾ãÃ-àãñ¨ã ½ãò ãäÀ¾ãÊã
ƒÔ›ñ› ‚ããõÀ ãäÌ㦦ããè¾ã ÔãñÌãã‚ããò ‡ãŠãñ œãñü¡‡ãŠÀ Ôã¼ããè àãñ¨ã Íãããä½ãÊã Ööý
¢ã.7 †Ôãºããè‚ãム‡ãõŠ¹ã (¾ãî‡ãñŠ) ãäÊã.
†Ôãºããè‚ãム‡ãõŠ¹ã (¾ãî‡ãñŠ), ¶ãñ ‚ã¹ã¶ãñ ¹ããäÀÞããÊã¶ã ‡ãñŠ ªîÔãÀñ ÌãÓãà ½ãò Öãè
½ããÞãà 2009 ¦ã‡ãŠ Á.2.14 ‡ãŠÀãñü¡ ‡ãŠãè ‚ãã¾ã ‚ããä•ãæ㠇ãŠãè Öõ •ãºããä‡ãŠ
½ããÞãà 2008 ¦ã‡ãŠ ƒÔã¶ãñ Á.1.51 ‡ãŠÀãñü¡ ‡ãŠãè ‚ãã¾ã ‚ããä•ãæ㠇ãŠãè ©ããèý
‡ã⊹ã¶ããè ¶ãñ ½ããÞãà 2009 ‡ãŠãñ Á.0.44 ‡ãŠÀãñü¡ ‡ãŠã ãä¶ãÌãÊã Êãã¼ã ‡ãŠ½ãã¾ãã
•ãºããä‡ãŠ ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ƒÔããè ‚ãÌããä£ã ½ãò ƒÔã‡ãŠãñ ‚ãã¾ã Õããñ¦ããò ‡ãŠãè ãäÌããäÌã£ã¦ãã
‡ãñŠ ‡ãŠãÀ¥ã Á.0.36 ‡ãŠÀãñü¡ ‡ãŠãè Öããä¶ã ÖìƒÃ ©ããèý
¢ã.8 †Ôãºããè‚ãム‡ãõŠ¹ã ›ÈÔ›ãè ‡ãâŠ. ãäÊã. (†Ôã›ãèÔããè†Êã)
†Ôãºããè‚ãデãõŠ¹ã ›ÈÔ›ãè ‡ãâŠ. ãäÊã. (†Ôã›ãèÔããè†Êã) ¶ãñ 01 ‚ãØãÔ¦ã 2008 Ôãñ
¹ãÆã¦ä ã¼ãîã¦ä ã ¶¾ããÔã ̾ãÌãÔãã¾ã Íãì ãä‡ãŠ¾ãã Öõý 31 ½ããÞãà 2009 ¦ã‡ãŠ ‡ã⊹ã¶ããè ‡ãŠãè
Ôã‡ãŠÊã ‚ãã¾ã Á. 0.44 ‡ãŠÀãñ¡ü ÀÖãè ‚ããõÀ ãä¶ãÌãÊã Êãã¼ã Á.0.14 ‡ãŠÀãñ¡ü ÀÖãý
¢ã.9 †Ôãºããè‚ãム¡ã膹㊆Þã†Êã ãäÊã.
• †Ôãºããè‚ãムÔã½ãîÖ ‡ãñŠ ¹ããÔã ƒÔã ‡ã⊹ã¶ããè ‡ãŠãè, •ããñ †‡ãŠ ¹ãÆヽãÀãè ¡ãèÊãÀ Öõ,
67.01% Íãñ¾ãÀ£ãããäÀ¦ãã Öõý
• 31½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦㠂ãÌããä£ã ‡ãñŠ ãäÊã†, ‡ã⊹ã¶ããè ‡ãŠã ‡ãŠÀ-¹ãîÌãÃ
Êãã¼ã Á.101.76 ‡ãŠÀãñü¡ ÀÖã •ãºããä‡ãŠ ÌãÓãà 2007-08 ‡ãñŠ ªãõÀã¶ã ¾ãÖ
Á.95.89 ‡ãŠÀãñü¡ ©ããý
• ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã •ããè-ãäÔã‡ã‹¾ãìãäÀ›ãè ‚ããõÀ Àã•ã‡ãŠãñÓã ãäºãÊããò ‡ãñŠ
ãäÊㆠºãã•ããÀ ›¶ãÂããñÌãÀ Á.57,922 ‡ãŠÀãñü¡ ÀÖã •ãºããä‡ãŠ ÌãÓãÃ
2007-08 ‡ãñŠ ªãõÀã¶ã ¾ãÖ Á.54,919 ‡ãŠÀãñü¡ ÀÖã ©ããý
• 12.50% Êãã¼ããâÍã ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè ØãƒÃ Öõ •ãºããä‡ãŠ ãäÌ㦦ã ÌãÓãÃ
2007-08 ‡ãñŠ ãäÊㆠ10.00% Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý
¢ã.10 †Ôãºããè‚ãム‡ãŠã¡áÃÔã †¥¡ ¹ãñ½ãò›áÔã ÔããäÌãÃÔãñ•ã ¹ãÆã.ãäÊã.
(†Ôãºããè‚ããƒÔããè†Êã¹ããè†Êã)
• †Ôãºããè‚ãム‡ãŠã¡ÃÔãá •ããñ ¼ããÀ¦ã ½ãò †‡ãŠ½ãã¨ã ‚ã‡ãñŠÊããè ‰ãñŠãä¡› ‡ãŠã¡Ã •ããÀãè ‡ãŠÀ¶ãñ
ÌããÊããè ‡ã⊹ã¶ããè Öõ, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããõÀ •ããèƒÃ ‡ãõŠãä¹ã›Êã ÔããäÌãÃÔãñ•ã ‡ãŠã †‡ãŠ
Ôãâ¾ãì‡ã‹¦ã „²ã½ã Öõ ãä•ãÔã½ãò ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè 60% ‚ãâÍã£ãããäÀ¦ãã Öõý
• ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ‡ã⊹ã¶ããè ‡ãñŠ Ôããä‰ãŠ¾ã ‡ãŠã¡ãô ‡ãŠãè Ôã⌾ãã 27.24
ÊããŒã ‚ããõÀ ¹ãÆã¹¾ã ÀããäÍã¾ããâ Á.1,804 ‡ãŠÀãñü¡ ÀÖãèý
• ‡ã⊹ã¶ããè ‡ãŠãñ ‡ãŠÀ-¹ãîÌãà Öããä¶ã Á.185.12 ‡ãŠÀãñ¡ü ÖìƒÃ •ãºããä‡ãŠ 31.03.2008
‡ãŠãñ ƒÔãñ Á. 230.02 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãŠÀ-¹ãîÌãà Öããä¶ã ÖìƒÃ ©ããèý
¢ã.11 †Ôãºããè‚ãムÊãヹ㊠ƒâ;ããñÀÔò ã ‡ã⊹ã¶ããè ãäÊã. (†Ôãºããè‚ããƒÊãヹãŠ)
• †Ôãºããè‚ãムÊãヹ㊠‡ãñŠ ¹ããÔã †‡ãŠ ‚ã¶ãîŸãè ºãÖì-ãäÌã¦ãÀ¥ã ¹ãÆ¥ããÊããè Öõ ãä•ãÔã½ãò
ºãö‡ãŠ†Í¾ããñÀÔò ã, ãäÀ›ñÊã †•ãòÔããè †Ìãâ ÔãâÔ©ããØã¦ã Ø㟕ããñ¡ü ãò †Ìãâ Øãƹì ã ‡ãŠãÀ¹ããñÀ›ñ
½ã㣾ã½ããò ‡ãñŠ •ããäÀ† ºããè½ãã „¦¹ããªãò ‡ãŠã ãäÌã¦ãÀ¥ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý
• †Ôãºããè‚ãムÊãヹ㊠‡ãŠãñ ‚ãã„›Êãì‡ãŠ ½ã¶ããè Ôãñ ¹ãÆãä¦ããäÓŸ¦ã Ìãõ¾ããä‡ã‹¦ã‡ãŠ
ãäÌ㦦㠹ãìÀÔ‡ãŠãÀ ‚ããõÀ †¶ã¡ãè›ãèÌããè ¹ãÆãùãä¹ãŠ› Ôãñ `ÔãÌãÃÑãñÓŸ •ããèÌã¶ã
ºããè½ãã‡ãŠ¦ããà 2008' ¹ãìÀÔ‡ãŠãÀ ¹ãÆ㹦ã Öì‚ãã Öõý
• ãä½ããäÊã¾ã¶ã ¡ãÊãÀ Àã„â¡ ›ñºãÊã (†½ã¡ãè‚ããÀ›ãè) ÔãªÔ¾ããò ‡ãŠãè Ôã⌾ãã
‡ãñŠ ½ãã½ãÊãñ ½ãò ãäÌãÍÌã ‡ãŠãè ÍããèÓãà ¦ããè¶ã ºããè½ãã ‡ã⊹ããä¶ã¾ããò ½ãò Ô©ãã¶ã ¹ãÆ㹦ã
Öì‚ãã Öõý

¦ãããäÊã‡ãŠã:10 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãñŠ ãä¶ãÓ¹ã㪶ã Ôãâºãâ£ããè „ÊÊãñŒã¶ããè¾ã ¦ã©¾ã
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã† ½ãò)
ºãö‡ãŠ ‡ãŠã ¶ãã½ã ¹ãîâ•ããè ½ãò ¼ãã. Ô›ñ. •ã½ããÀããäÍã¾ããâ ‚ããäØãƽ㠹ããäÀÞããÊã¶ã Êãã¼ã ãä¶ãÌãÊã Êãã¼ã
ºãö‡ãŠ ‡ãŠã ãäÖÔÔãã (%)
Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ
ºããè‡ãŠã¶ãñÀ †¥¡ •ã¾ã¹ãìÀ 75 38762 30088 892.84 403.45
ÖõªÀãºã㪠100 64686 43952 1302.96 615.81
ƒââªãõÀ 98.05 27693 21739 624.01 278.92
½ãõÔãîÀ 92.33 32388 25878 653.52 336.91
¹ãã䛾ããÊãã 100 59580 43954 965.45 531.54
¨ããÌã¥ã‡ãŠãñÀ 75 41670 32972 1056.27 607.84
Ôã¼ããè 6 ºãö‡ãŠ — 264779 198583 5495.05 2774.47

52

C52 K52
 Mutual Funds, etc. The Company has launched
e-broking services to the clients of SBI and
Associate Banks. SSL has 48 branches and
18 franchisees and offers Demat, e-broking,
e-IPO and e-MF services to both retail and
institutional clients.
I.6 SBICAPS Ventures Limited (SVL)
SBICAPS Ventures Limited (SVL), a USD 100
million Venture Capital Fund, jointly with SBI
Holdings Inc. (Softbank), Japan has invested
USD 8 mio in two companies and a number of
investment proposals are being examined. The
scope of the fund covers all sectors except real
estate and financial services.
I.7 SBICAP (UK) Ltd.
SBICAP (UK) Ltd., which is only in its second
full year’s operation, has booked a revenue of
Rs. 2.14 crores upto March 2009 as against
Rs. 1.51 crores as on March 2008. The company
has posted a net profit of Rs.0.44 crores in March
2009, as against a loss of Rs.0.36 crores last year
due to diversification of income streams.
I.8 SBICAP TRUSTEE Co Ltd. (STCL)
SBICAP TRUSTEE Co Ltd. (STCL) has
commenced security trustee business with effect
from1st August 2008. The company’s gross
income upto 31.03.2009 is Rs. 0.44 crores and net
profit is Rs.0.14 crores.
I.9 SBI DFHI LTD.
• For the period ended 31st March 2009, the
Company’s PBT was Rs.101.76 crores as against
Rs.95.89 crores during 2007-08.
• The market turnover for G-Sec and Treasury bills
during 2008-09 was Rs.57,922 crores as against
Rs.54,919 crores recorded during 2007-08.
• Declared a dividend of 12.50% as against 10.00%
for the FY2007-08.
I.10 SBI Cards & Payments Services Pvt. Ltd.
(SBICSPL)
• SBI Cards, the only stand-alone credit card issuing
company in India, is a joint venture by State Bank
of India and GE Capital Services, wherein SBI
holds 60% stake.
• The “Cards in Force” (CIF) of the Company stands
at 27.24 lacs and the receivables are at Rs.1,804
crores at the end of March 2009.
• The Company has posted a loss before tax of
Rs. 185.12 crores during the year as against a loss
before tax of Rs. 230.02 crores as on 31.03.08.
I.11 SBI Life Insurance Company Limited (SBILife)
• SBI Life has a unique multi-distribution model
comprising Bancassurance, Retail Agency &
Institutional Alliances and Group Corporate
Channels for distribution of insurance products.
• SBI Life has bagged the coveted personal finance
award-Outlook Money and NDTV profit “Best Life
Insurer 2008”.

• SBI group holds 67.01% share in the Company, • Ranked among global top three in terms of number
which is a primary dealer. of Million Dollar Round Table (MDRT) members.

Table : 10 Performance Highlights of the Associate Banks as at March 2009

(Rs. in crores)
Name of the Bank SBI's share in Deposits Advances Operating Net Profit
the capital (%) Profit
State Bank of
Bikaner & Jaipur 75 38762 30088 892.84 403.45
Hyderabad 100 64686 43952 1302.96 615.81
Indore 98.05 27693 21739 624.01 278.92
Mysore 92.33 32388 25878 653.52 336.91
Patiala 100 59580 43954 965.45 531.54
Travancore 75 41670 32972 1056.27 607.84
All 6 Banks — 264779 198583 5495.05 2774.47

53

C53 K53
• ‚ããƒÔããè‚ããÀ† ´ãÀã ƒÔãñ ‚ããä£ã‡ãŠ ªãÌããò ‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†
ãä›È¹ãÊã † Ìã¶ã Àñãä›âØã ¹ãƪã¶ã ‡ãŠãè ØãƒÃ Öõý
• ¶ã† ̾ãÌãÔãã¾ã ‡ãŠãè ÔãÌããÃãä£ã‡ãŠ Ìãðãä® ªÀ ‡ãñŠ ãäÊㆠãä¶ã•ããè ºããè½ãã‡ãŠ¦ããÂããò
½ãò ÊãØãã¦ããÀ ªîÔãÀã Ô©ãã¶ã ¹ãÆ㹦ã Öì‚ãã Öõý
• ‡ã⊹ã¶ããè ‡ãŠãè Ôã‡ãŠÊã ¹ãÆãèãä½ã¾ã½ã ÀããäÍã 28% ‡ãŠãè ÌãÓãà ¹ãÆãä¦ã ÌãÓãà ‡ãŠãè
Ìãðãä® ªÀ ‡ãñŠ Ôãã©ã Á. 7,212 ‡ãŠÀãñü¡ ÀÖãèý
• ÔããÀñ „²ããñØã ½ãò †Ôãºããè‚ãムÊãヹ㊠‡ãŠã ºãã•ããÀ ‚ãâÍã ºãü¤‡ãŠÀ 6.0%
Öãñ Øã¾ãã •ãºããä‡ãŠ ½ããÞãà 2008 ½ãò ¾ãÖ 5.15% ©ãã ‚ããõÀ ãä¶ã•ããè
ºããè½ãã‡ãŠ¦ããÂããò ½ãò ƒÔã‡ãŠã ºãã•ããÀ ‚ãâÍã ½ããÞãà 2008 ‡ãñŠ 14% Ôãñ
ºãü¤‡ãŠÀ 16% Öãñ Øã¾ããý
• ƒãä‡ã‹Ìã›ãè ãä¶ãÌãñÍããò ‡ãñŠ ½ãîʾ㠽ãò ‡ãŠ½ããè ‚ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã 31.03.2009
‡ãŠãñ ƒÔãñ Á.26 ‡ãŠÀãñü¡ ‡ãŠãè Öããä¶ã ÖìƒÃ •ãºããä‡ãŠ 31.03.2008 ‡ãŠãñ
ƒÔã¶ãñ Á.34 ‡ãŠÀãñü¡ ‡ãŠã Êãã¼ã ‡ãŠ½ãã¾ãã ©ããý
• †Ôãºããè‚ãムÊãヹ㊠‡ãŠãè `¹ãƺãâ£ã ‚ã£ããè¶ã ‚ãããäÔ¦ã¾ããò' ½ãò ÌãÓãà ¹ãÆãä¦ã ÌãÓãÃ
43% ‡ãŠãè Ìãðãä® ªÀ ª•ãà ÖìƒÃ ‚ããõÀ ƒ¶ã‡ãŠãè ÀããäÍã Á.14,964
‡ãŠÀãñü¡ ¦ã‡ãŠ ¹ãÖìâÞã ØãƒÃý
• ƒÔã‡ãñŠ •ããèÌã¶ã ºããè½ãã £ããÀ‡ãŠãò ‡ãŠãè Ôã⌾ãã ºãû¤‡ãŠÀ 131.2 ÊããŒã Öãñ
ØãƒÃ •ãºããä‡ãŠ ½ããÞãà 2008 ½ãò ƒ¶ã‡ãŠãè ‡ãìŠÊã Ôã⌾ãã 70 ÊããŒã ©ããèý
• ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã 246 ¶ã† ãäÌã‰ãŠ¾ã ‡ãŠã¾ããÃÊã¾ã ŒããñÊãñ Øㆠ‚ããõÀ
ƒÔã ¹ãƇãŠãÀ 31.03.2009 ‡ãŠãñ ƒÔã‡ãñŠ ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãè ‡ãìŠÊã Ôã⌾ãã
ºãü¤‡ãŠÀ 489 Öãñ ØãƒÃý
¢ã.12 †Ôãºããè ‚ ãム¹ãŠ¥¡á Ô ã ½ãõ ¶ ãñ • ã½ãò › (¹ãÆ ã .) ãä Ê ã.
(†Ôãºããè‚ãテ¹ãŠ†½ã¹ããè†Êã)
• †Ôãºããè‚ãテ¹ãŠ†½ã¹ããè†Êã, •ããñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè ½¾ãîÞãì‚ãÊã
¹ãŠ¥¡ ‚ã¶ãìÓãâØããè Öõ, `¹ãƺãâ£ã ‚ã£ããè¶ã ‚ãããäÔ¦ã¾ããò' ‡ãñŠ ‚ã¶ãìÔããÀ 6Ÿã
ÔãºãÔãñ ºãû¡ã ¹ãŠ¥¡ Öã„Ôã Öõ ‚ããõÀ 5.5 ãä½ããäÊã¾ã¶ã ãä¶ãÌãñÍã‡ãŠãò ‡ãñŠ
Ôãã©ã ºãã•ããÀ ½ãò †‡ãŠ ¹ãƽãìŒã ½¾ãîÞãì‚ãÊ㠹㊥¡ ‡ã⊹ã¶ããè Öõý
• ãä¹ãœÊãñ ÌãÓããô ½ãò ƒÔ㠹㊥¡ Öã„Ôã ‡ãŠãè ¾ããñ•ã¶ãã‚ããò ‡ãŠã ãä¶ãÓ¹ã㪶ã
„¦‡ãðŠÓ› ºã¶ãã Öì‚ãã Öõ ‚ããõÀ ãä¶ãÌãñÍã‡ãŠãò ‡ãñŠ ãäÊㆠ¾ãÖ ¹ãÔãâªãèªã ãä¶ãÌãñÍã
ÀÖã Öõý
• ‡ã⊹ã¶ããè ¶ãñ 31.03.2009 ‡ãŠãñ Á. 68.95 ‡ãŠÀãñü¡ ‡ãŠã ‡ãŠÀ-¹ãÍÞãã¦ã
Êãã¼ã ‡ãŠ½ãã¾ãã Öõ •ããñ ÌãÓãà ¹ãÆãä¦ã ÌãÓãà 2.0% ‡ãŠãè ãäØãÀãÌã› ‡ãŠãñ ªÍããæãã Öõý
• „²ããñØã ½ãò ‚ã¶ãñ‡ãŠ ½¾ãîÞãì‚ãÊ㠹㊥¡ãò ‡ãñŠ ãä¶ãÌãÊã ºããäÖØãýã¶ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò
†Ôãºããè‚ãテ¹ãŠ†½ã¹ããè†Êã ¶ãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ½ããÞãà 2009 ¦ã‡ãŠ Á. 2,315
‡ãŠÀãñ¡ü ‡ãŠãè ãä¶ãÌãÊã ‚ããÌã‡ãŠ ª•ãà ‡ãŠãèý ‡ã⊹ã¶ããè ‡ãŠãè ‚ããõÔã¦ã `¹ãƺãâ£ã ‚ã£ããè¶ã
‚ãããäÔ¦ã¾ããâ' ½ããÞãà 2009 ‡ãŠãñ Á. 27,846 ‡ãŠÀãñ¡ü ÀÖãéý
• 40% Êãã¼ããâÍã ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè ØãƒÃ Öõ •ãºããä‡ãŠ 2007-08 ‡ãñŠ
ãäÊㆠ33.60% Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý
• ‡ã⊹ã¶ããè ‡ãŠãè `¹ãƺãâ£ã ‚ã£ããè¶ã ‚ãããäÔ¦ã¾ããâñ' ‡ãŠã ‚ããõÔã¦ã ºãã•ããÀ ‚ãâÍã
½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ½ãò 5.52% ÀÖãý
54
C54 K54
• `†Ôãºããè‚ãム½ãõضã½ã ºãõÊãòÔ㠹㊥¡' ‚ããõÀ `†Ôãºããè‚ãム½ãõضã½ã
Ôãñ‡ã‹›À ‚㽺ãÆñÊãã-‡ãŠã¶›È㠹㊥¡' ‡ãŠãñ ÌãÓãà 2008 ½ãò ãäÊã¹¹ãÀ
ƒâã䡾ã㠹㊥¡ ‚ãÌãã¡Ã ½ãò ‚ã¹ã¶ããè ‚ã¹ã¶ããè Ñãñãä¥ã¾ããò ½ãò ÔãÌãÃÑãñÓŸ
¹ãŠ¥¡ ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ããý
• `†Ôãºããè‚ãム½ãõضã½ã ›õ‡ã‹ÔãØãñ¶ã Ô‡ãŠãè½ã-93' ‡ãŠãñ ‚ããƒÔããè‚ããÀ†
½¾ãîÞãì‚ãÊã ‚ãÌãã¡Ã 2009 ½ãò 3 ÌãÓãà ‡ãñŠ ÔãÌããó¦¦ã½ã ãä¶ãÓ¹ã㪶㠇ãñŠ
ãäÊㆠ5 Ô›ãÀ Àñãä›âØã ¹ãƪã¶ã ‡ãŠãè ØãƒÃý
¢ã.13 †Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà †¥¡ ‡ãŠãù½ããäÍãþãÊã ÔããäÌãÃÔãñ•ã
¹ãÆã. ãäÊã. (†Ôãºããè‚ãヹãõŠ‡ã‹›ÔãÃ)
• †Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà ÊãÜãì †Ìã⠽㣾ã½ã „²ã½ããò (†ÔㆽãƒÃ) ‡ãŠãñ ªñÍããè¾ã
¹ãõŠ‡ã‹›ãäÀâØã ÔãñÌãã†â „¹ãÊ㺣㠇ãŠÀã¦ãã Öõý
• †Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà ‡ãŠã ›¶ãÂããñÌãÀ ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ
Á. 5,979 ‡ãŠÀãñü¡ ÀÖã •ãºããä‡ãŠ ½ããÞãà 2008 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ¾ãÖ
Á. 6,479 ‡ãŠÀãñü¡ ©ããý
• ¾ã²ããä¹ã ‡ã⊹ã¶ããè ‡ãŠãè ‡ãìŠÊã ‚ãã¾ã ÌãÓãà ¹ãÆãä¦ã ÌãÓãà 13% Ìãðãä® ‡ãñŠ
Ôãã©ã ½ããÞãà 2009 ½ãò Á. 164.25 ‡ãŠÀãñü¡ ÀÖãè, ãä¹ãŠÀ ¼ããè ‡ã⊹ã¶ããè
¶ãñ ½ããÞãà 2009 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ Á. 42.79 ‡ãŠÀãñü¡ ‡ãŠã ‡ãŠÀ ¹ãÍÞãã¦ã
Êãã¼ã ‚ããä•ãæã ãä‡ãŠ¾ãã ‚ããõÀ ƒÔã ¹ãƇãŠãÀ ƒÔã½ãò ÌãÓãà ¹ãÆãä¦ã ÌãÓãà 50.78%
‡ãŠãè Ìãðãä® ª•ãà ÖìƒÃý
• 30% Êãã¼ããâÍã ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè ØãƒÃ Öõ •ãºããä‡ãŠ ÌãÓãà 2007-08
‡ãñŠ ãäÊㆠ16% Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý
¢ã.14 ØÊããñºãÊã ›Èñ¡ ¹ãŠãƒ¶ãòÔã ãäÊããä½ã›ñ¡ (•ããè›ã膹㊆Êã)
• •ããè›ã膹㊆Êã ¼ããÀ¦ã ‡ãŠãè ¹ãƽãìŒã ¹ãõŠ‡ã‹›ãäÀâØã ‡ã⊹ããä¶ã¾ããò ½ãò Ôãñ †‡ãŠ
Öõ •ããñ ãä¶ã¾ããæ㠆Ìãâ ‚ãã¾ãã¦ã ¹ãõŠ‡ã‹›ãäÀâØã ½ãò ÔãºãÔãñ ‚ããä£ã‡ãŠ ºãã•ããÀ
‚ãâÍã (85%) ÀŒã¦ããè Öõý
• 31 ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ã⊹ã¶ããè ‡ãŠã ›¶ãÂããñÌãÀ
ÌãÓãà ¹ãÆãä¦ã ÌãÓãà 10.60% ‡ãŠãè Ìãðãä® ‡ãñŠ Ôãã©ã Á. 12,303 ‡ãŠÀãñü¡
¦ã‡ãŠ ¹ãÖìâÞã Øã¾ããý ½ããÞãà 2009 ½ãò ‡ã⊹ã¶ããè ‡ãŠãè ‡ãìŠÊã ‚ãã¾ã
Á. 505.48 ‡ãŠÀãñü¡ ÀÖãè •ãºããä‡ãŠ ½ããÞãà 2008 ½ãò ¾ãÖ Á. 353.76
‡ãŠÀãñü¡ ©ããèý ½ããÞãà 2009 ‡ãŠãñ ‡ã⊹ã¶ããè ¶ãñ Á. 74.10 ‡ãŠÀãñü¡ ‡ãŠã
‡ãŠÀ ¹ãÍÞãã¦ã Êãã¼ã ‚ããä•ãæã ãä‡ãŠ¾ãã •ãºããä‡ãŠ ãä¹ãœÊãñ ÌãÓãà ¾ãÖ
Á. 73.57 ‡ãŠÀãñü¡ ©ããý
• 20% Êãã¼ããâÍã ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè ØãƒÃ Öõ •ãºããä‡ãŠ 2007-08 ‡ãñŠ
ãäÊㆠ12% Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý
¢ã.15 †Ôãºããè‚ãム¹ãòÍã¶ã ¹ãŠ¥¡áÔã ¹ãÆã. ãäÊã. (†Ôãºããè‚ãヹãã膹ãŠ)
• †Ôãºããè‚ãヹãã膹㊠‡ãñŠ¶³ ÔãÀ‡ãŠãÀ (ÔãÍãÔ¨ã Ôãñ¶ãã‚ããò ‡ãŠãñ œãñû¡‡ãŠÀ)
‚ããõÀ À㕾ã ÔãÀ‡ãŠãÀ ‡ãñŠ ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ ãäÊㆠ¶ãƒÃ ¹ãòÍã¶ã ¾ããñ•ã¶ãã
‡ãñŠ ‚ãâ¦ãØãæ㠹ãòÍã¶ã ãä¶ããä£ã¾ããò ‡ãŠã ¹ãƺãâ£ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ãòÍã¶ã ãä¶ããä£ã
• ICRA has assigned iAAA rating to the company
indicating highest claim paying ability.
• The company continued to be ranked 2nd among
private insurers, for new business growth.
• Gross Premium of the Company was Rs.7,212
crores with YoY growth of 28%.
• The market share of SBI Life in the total industry
improved to 6.0% as against 5.15% in March 2008
and to 16% amongst private insurers from 14%
as at March 08.
• Recorded a loss of Rs.26 crores as on 31.03.2009
as against a profit of Rs.34 crores as on 31.03.2008
due to dimunition in the value of equity
investments.
• The ‘Assets Under Management’ of SBI Life
recorded a growth of 43% YoY to reach
Rs.14964 crores.
• Portfolio lives has increased to 131.2 lacs from
70 lacs as on March 2008.
• Opened 246 new sales offices during the current
year taking the total number of offices to 489 as
on 31.03.2009.
I.12 SBI Funds Management (P) Ltd. (SBIFMPL)
• SBIFMPL, the Mutual Fund arm of SBI, is the 6th
largest Fund House in terms of “Assets Under
Management” and a leading player in the market
with 5.5 million investors.
• The schemes of the Fund House have performed
consistently over the years and have emerged as
the preferred investment for investors.
• The company has posted a PAT of Rs.68.95
crores as on 31.03.2009 registering a decline of
2.0% Y-o-Y.
• As against net outflows experienced by many of
the Mutual Funds across the industry, SBIFMPL
registered a net inflow of Rs.2,315 crores during
the year upto March 2009. The average “Assets
Under Management” (AUM) of the company as
at March 2009 stood at Rs.27,846 crores.
• Declared a dividend of 40% as against 33.60%
for 2007-08.
55
C55 K55
• The company’s average AUM market share at the
end of March 2009 stood at 5.52%.
• “SBI Magnum Balance Fund’’ and “SBI Magnum
Sector Umbrella-Contra Fund” were adjudged the
best funds in their respective categories in Lipper
India Fund award in 2008.
• “SBI Magnum Taxgain Scheme-93” was rated a
Five Star Fund in 3 year performance category in
ICRA Mutual Fund Awards 2009.
I.13 SBI Factors and Commercial Services Pvt. Ltd.
(SBIFACTORS)
• SBI Factors provides domestic factoring services
to Small and Medium Enterprises (SMEs).
• The turnover recorded by SBI Factors at the end
of March 2009 stood at Rs.5,979 crores as against
Rs.6,479 crores at the end of March 2008.
• While total income of the company increased by
13% YoY and stood at Rs.164.25 crores as at
March 2009, the company earned PAT of Rs.42.79
crores as at March 2009 registering a YoY growth
of 50.78%.
• Declared a dividend of 30% as against 16%
for 2007-08.
I.14 Global Trade Finance Ltd. (GTFL)
• GTFL is one of the leading factoring companies
in India which has the highest market share (85%)
in export & import factoring.
• During the year ended 31st March 2009, the
turnover of the company increased by 10.60%
YoY, reaching Rs.12,303 crores. The total
income of the company as at March 2009 was
Rs.505.48 crores as against Rs.353.76 crores in
March 2008. The company earned a PAT of
Rs.74.10 crores as on March 2009 as against
Rs.73.57 crores last year.
• Declared a dividend of 20% as against 12% for
2007-08.
I.15 SBI Pension Funds Pvt. Ltd. (SBIPF)
• SBIPF is one of the three Fund Managers
appointed by the Pension Fund Regulatory &
 ãäÌããä¶ã¾ã½ã¶ã †Ìãâ ãäÌã‡ãŠãÔã ¹ãÆããä£ã‡ãŠÀ¥ã (¹ãã膹㊂ããÀ¡ãè†) ´ãÀã ãä¶ã¾ãì‡ã‹¦ã
¦ããè¶ã ãä¶ããä£ã ̾ãÌãÔ©ãã¹ã‡ãŠãò ½ãò Ôãñ †‡ãŠ Öõý †Ôãºããè‚ãヹãã膹ãŠ, •ããñ
Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ‡ãŠãè ¹ãî¥ãà ÔÌãããä½ã¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè Öõ, ¶ãñ ‚ã¹ãÆõÊã
2008 Ôãñ ‚ã¹ã¶ãã ‡ãŠã¾ãà ¹ãÆãÀâ¼ã ãä‡ãŠ¾ãã Öõý ÌãÓãà 2008-09 ‡ãñŠ
ªãõÀã¶ã ¶ãƒÃ ¹ãòÍã¶ã ¹ãÆ¥ããÊããè ‡ãñŠ ‚ãâ¦ãØãæ㠹ãÆ㹦㠹ãòÍã¶ã ãä¶ããä£ã¾ããò ‡ãŠãè
‡ãìŠÊã ÀããäÍã ‡ãñŠ 55% ¼ããØã ‡ãŠã ¹ãƺãâ£ã ‡ãŠÀ¶ãñ ‡ãŠã ‚ããä£ãªñÍã
†Ôãºããè‚ãヹãã膹㊠‡ãŠãñ ¹ãÆ㹦ã Öì‚ãã Öõý 31 ½ããÞãà 2009 ‡ãŠãñ ‡ã⊹ã¶ããè
‡ãŠãè `¹ãƺãâ£ã ‚ã£ããè¶ã ‚ãããäÔ¦ã¾ããò' ‡ãŠãè ‡ãìŠÊã ÀããäÍã Á. 1,173.23
‡ãŠÀãñü¡ ÀÖãè, ãä•ãÔã ¹ãÀ Á. 26.32 ÊããŒã ‡ãŠã ¹ãƺãâ£ã Íãìʇ㊠¹ãÆ㹦ã
Öì‚ããý ‡ã⊹ã¶ããè ‡ãŠãñ Á. 0.04 ‡ãŠÀãñü¡ ‡ãŠã ãä¶ãÌãÊã Êãã¼ã Öì‚ããý
ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãè ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ãƽãìŒã
Øããä¦ããäÌããä£ã¾ããú
• Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È, ãä•ãÔã‡ãŠãè ‚ããä£ã‡ãŠãâÍã ÍããŒãã†â Øãì•ãÀã¦ã
À㕾㠽ãò Öö, ‚ããõÀ •ããñ †‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦ÌãÌããÊãã ÔãÖ¾ããñØããè ºãö‡ãŠ
©ãã, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‚ããõÀ ¼ããÀ¦ã
ÔãÀ‡ãŠãÀ ‡ãñŠ ‚ã¶ãì½ããñª¶ã Ôãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã „Ôã‡ãŠã ‚ããä¼ãØãÆÖ¥ã
‡ãŠÀ ãäÊã¾ããý ‚ããä¼ãØãÆ֥㠇ãñŠ Ôã½ã¾ã Á. 21,000 ‡ãŠÀãñü¡ Ôãñ
‚ããä£ã‡ãŠ ‡ãñŠ †‡ãŠ ‚ãããäԦ㠂ãã£ããÀ ‡ãñŠ Ôãã©ã ƒÔã ÔãÖ¾ããñØããè ºãö‡ãŠ
‡ãŠãè 461 ÍããŒãã†â ©ããèý
• ºãö‡ãŠ ¶ãñ †Ôãºããè‚ããƒÔããè‚ãムºãö‡ãŠ, •ããñ †‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦ÌãÌããÊããè
ªñÍããè¾ã ºãöãä‡ãâŠØã ‚ã¶ãìÓãâØããè Öõ, ‡ãŠã ¼ããè ‚ã¹ã¶ãñ ½ãò ãäÌãÊã¾ã ‡ãŠÀ¶ãñ ‡ãŠã
ãä¶ã¥ãþã ãäÊã¾ãã Öõ ãä•ãÔãÔãñ ºãö‡ãŠ ½ãò Ôã½ãñ‡ãŠ¶ã †Ìãâ ‡ãŠã¾ãÃàã½ã¦ãã ½ãò ‚ããõÀ
Ìãðã®
ä Öãñý ¼ããÀ¦ã ÔãÀ‡ãŠãÀ Ôãñ ‚ããÌã;ã‡ãŠ ‚ã¶ãì½ããñª¶ã ‡ãŠãè ¹ãƦããèàãã Öõý
• †Ôãºããè‚ãデãõŠ¹ã ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊã. (†Ôã†Ôã†Êã), •ããñ †Ôãºããè‚ããƒ
‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ›áÔã ãäÊã. ‡ãŠãè †‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè Öõ,
‡ãŠã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ´ãÀã †‡ãŠ ¹ãƦ¾ãàã ‚ã¶ãìÓãâØããè ‡ãñŠ ¹㠽ãò
ãäÌãÊã¾ã ãä‡ãŠ¾ãã •ãã¶ãã ¹ãÆÔ¦ãããäÌã¦ã Öõ ãä•ãÔãÔãñ ºãÆãñãä‡ãâŠØã ‡ãŠã¾ãÇãŠÊãã¹ã ‡ãñŠ
Ôãã©ã-Ôãã©ã Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ½ã㣾ã½ããò Ôãñ ‚㶾㠣ã¶ã-Ôã½¹ãªã ¹ãƺãâ£ã¶ã
„¦¹ããªãò ‡ãŠã ãäÌã¹ã¥ã¶ã Íãì ‡ãŠÀ‡ãñŠ ¹ãÀÔ¹ãÀ ¦ããÊã½ãñÊã ºãü¤ûã¾ãã •ãã
Ôã‡ãñŠý ƒÔã ¹ãÆÔ¦ããÌã ¹ãÀ ‚ããÌã;ã‡ãŠ ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¶ãì½ããñª¶ããò ‡ãŠãè
¹ãƦããèàãã ‡ãŠãè •ãã ÀÖãè Öõý
• ªñÍããè ‚ããõÀ ‚ãâ¦ãÀÀãÓ›Èãè¾ã ‚ããü¤¦ã-̾ãÌãÔãã¾ã ½ãò ºãã•ããÀ ‚ãâÍã ºãü¤ã¶ãñ
‡ãŠãè ÒãäÓ› Ôãñ ‚ããõÀ ¹ããäÀÞããÊã¶ããò ½ãò Ôã½ãñ‡ãŠ¶ã ‚ããõÀ ƒ¶ã‡ãŠãè ‡ãŠã¾ãÃàã½ã¦ãã
‡ãŠãñ ‚ããõÀ ºãü¤ã¶ãñ ‡ãñŠ ãäÊㆠ¼ããè, ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ªãñ¶ããò ‚ã¶ãìÓãâãäØã¾ããò,
†Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà ‚ããõÀ •ããè›ã膹㊆Êã ‡ãŠã ãäÌãÊã¾ã ‡ãŠÀ¶ãñ ‡ãŠã
¹ãÆÔ¦ããÌã ÀŒãã Öõý ƒÔã ¹ãÆÔ¦ããÌã ¹ãÀ ‚ããÌã;ã‡ãŠ ãäÌããä¶ã¾ãã½ã‡ãŠ
‚ã¶ãì½ããñª¶ããò ‡ãŠãè ¹ãƦããèàãã ‡ãŠãè •ãã ÀÖãè Öõý
56
C56 K56
šã ‚ãããäÔ¦ã Øãì¥ãÌ㦦ãã
‚ã¶ã•ãÇ㊠‚ãããäԦ㠹ãƺãâ£ã¶ã
‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ½ãò ‡ãŠ½ããè Êãã¶ãñ ‡ãñŠ ¹ãƾããÔããò ‡ãŠãè 31.03.2009
‡ãŠãè ãäÔ©ããä¦ã ¾ãÖãâ ¶ããèÞãñ ¹ãÆÔ¦ãì¦ã ‡ãŠãè ØãƒÃ Öõ:
¦ãããäÊã‡ãŠã : 11 ‚ãããäÔ¦ã Øãì¥ãÌ㦦ãã (Á¹ã† ‡ãŠÀãñü¡ ½ãò)
1. Ôã‡ãŠÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 15589
Ôã‡ãŠÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠã ¹ãÆãä¦ãÍã¦ã 2.84%
2. ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 9552
ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠã ¹ãÆãä¦ãÍã¦ã 1.76%
3. ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠãè ¶ã‡ãŠª ÌãÔãîÊããè 2966
4. ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹㠽ãò ‡ãŠãñã䛄¸ã¾ã¶ã 3402
5. ºã›á›ñ Œãã¦ãñ 1896
6. ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ½ãò Ôã‡ãŠÊã 8264
‡ãŠ›ãõ¦ããè (3+4+5)
7. ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹㠽ãò ½ãã¶ã‡ãŠ 11015
‚ãããäÔ¦ã¾ããò ½ãò ÖããäÊã¾ãã ãäØãÀãÌã›
8. ºã›á›ñ Œãã¦ããòñ ½ãò ÌãÔãîÊããè 888
• ‡ã⊹ã¶ããè ¨ãɥ㠹ãì¶ãØã߶ã (Ôããè¡ãè‚ããÀ) ̾ãÌãÔ©ãã ‚ããõÀ ºãö‡ãŠ ‡ãŠãè ‚ã¹ã¶ããè
¾ããñ•ã¶ãã ªãñ¶ããò ‡ãñŠ ‚ãâ¦ãØãæ㠂ã¹ãÔãã½ã㶾㠽ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ¦ã©ãã ‚ã©ãÃàã½ã
‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹ãì¶ãØã߶㠇ãŠãñ ÔãÌããóÞÞã ¹ãÆã©ããä½ã‡ãŠ¦ãã ªãè ØãƒÃ
ãä•ãÔãÔãñ ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠãñ ºãü¤¶ãñ Ôãñ Àãñ‡ãŠã •ãã Ôã‡ãñŠ ¦ã©ãã ‚ã¶ã•ãÇãŠ
‚ãããäÔ¦ã¾ããò ‡ãñŠ Ìã¦ãýãã¶ã Ô¦ãÀ ‡ãŠãñ ¼ããè ‡ãŠ½ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý
• ƒÔã ¹ãƾããñ•ã¶ã Öñ¦ãì ãäÌãÍãñÓã „ÊÊãñŒã ÌããÊãñ Œãã¦ããò ‡ãŠãè ¹ãÖÞãã¶ã †Ìãâ ãä¶ãØãÀã¶ããè
Ôãâºãâ£ããè ̾ãÌãÔ©ãã ¼ããè ¦ãõ¾ããÀ ‡ãŠãè ØãƒÃ Öõ ãä•ãÔãÔãñ ÍããèÜãÆ Ôã½ããèàãã ‡ãŠÀ‡ãñŠ
¦ÌããäÀ¦ã Ôãì£ããÀ㦽ã‡ãŠ ‡ãŠãÀÃÌããƒÃ Ôãìãä¶ããäÍÞã¦ã ‡ãŠãè •ãã Ôã‡ãòŠý
• ÔããÀãè ºãöã‡ä ãâŠØã ¹ãÆ¥ããÊããè ´ãÀã ‡ã⊹ã¶ããè ¨ãɥ㠹ãì¶ãØã߶ã (Ôããè¡ãè‚ããÀ) ̾ãÌãÔ©ãã
‡ãŠãñ Ôãâªãä¼ãæã Á. 1,235 ‡ãŠÀãñü¡ ‡ãñŠ ¨ãɥ㠇ãñŠ ‡ãìŠÊã 20 ½ãã½ãÊããò
½ãò Ôãñ ºãö‡ãŠ ¶ãñ Ôããè¡ãè‚ããÀ ‡ãŠãñ Á. 883 ‡ãŠÀãñü¡ ‡ãñŠ ¨ãɥ㠇ãñŠ 9 ½ãã½ãÊãñ
Ôãâªãä¼ãæã ãä‡ãŠ† Ööý Ôãâªãä¼ãæ㠽ãã½ãÊããò ½ãò ¨ãɥ㠽ãò Ö½ããÀã ‚ãâÍã 72%
©ããý Ôã¼ããè ½ãã½ãÊããò ½ãò, Ôã½ã¾ã Ôãñ ÖÔ¦ãàãñ¹ã ãä‡ãŠ† •ãã¶ãñ Ôãñ Œãã¦ããò ‡ãŠãè
½ãã¶ã‡ãŠ ‚ãããäÔ¦ã ãäÔ©ããä¦ã ‡ãŠãñ ºã¶ãㆠÀŒãã •ãã Ôã‡ãŠãý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã Á. 289 ‡ãŠÀãñü¡ ‡ãŠãè ½ãîÊã ºã‡ãŠã¾ãã ÀããäÍã ‡ãŠãè
5 ãäÌ㦦ããè¾ã ‚ãããäÔ¦ã¾ããâñ ‚㶾㠺ãö‡ãŠãò/†‚ããÀÔããè‚ãテÊã ‡ãŠãñ ºãñÞã
ªãè ØãƒÃý
›. ÔãîÞã¶ãã ¹ãÆãõ²ããñãäØã‡ãŠãè
¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãŠã ãäÌãÔ¦ããÀ Öãñ¶ãñ ¦ã©ãã ¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãñŠ „¹ã¾ããñØã ½ãò
Ìãðãä® Öãñ¶ãñ Ôãñ „¦¹ã¸ã Öì† ‚ãÌãÔãÀãò ‡ãŠã Êãã¼ã „Ÿã¶ãñ ½ãò ºãö‡ãŠ
Ôããä‰ãŠ¾ã ÀÖãý ãäÌ㦦ããè¾ã Ôã½ããÌãñÍã¶ã ‡ãñŠ ãäÊㆠ¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãŠã
Development Authority (PFRDA) for J. ASSET QUALITY
management of Pension Funds under the New NPA Management
Pension System for Central Government (except
The position of NPA reduction as on 31.03.2009
Armed Forces) and State Government
is given hereunder.
Employees. SBIPF, wholly owned subsidiary of
the State Bank Group, commenced its operations Table : 11 Asset Quality (Rs. in crores)
from April 2008. SBIPF has got the mandate to 1 Gross NPAs 15589
manage 55% of the total corpus of pension funds
Gross NPA Percentage 2.84 %
received under the New Pension System during
2008-09. The total “Assets Under Management’’ 2 Net NPAs 9552
of the company as on 31st March 2009 was Net NPA Percentage 1.76 %
Rs.1,173.23 crores on which a management fee 3 Cash Recovery in NPA 2966
of Rs. 26.32 lacs was received. The Company 4 Upgradation to Standard 3402
recorded a net profit of Rs. 0.04 crores. Assets
5 Write offs 1896
Important Developments during the year in
Associates & Subsidiaries: 6 Gross reduction in 8264
NPAs (3+4+5)
• State Bank of Saurashtra, a wholly-owned
7 Fresh slippages of Standard 11015
Associate Bank having major presence in the
Assets to NPA category
state of Gujarat, was acquired by SBI during
the year with the approval of RBI and Govt. 8 Recovery in written 888
of India. The Associate Bank had 461 branches off accounts
with an asset base of more than Rs.21,000 • Restructuring of impaired Standard Assets as well
crores at the time of acquisition. as viable non-performing assets, both under CDR
mechanism as well as under Bank’s own scheme,
• The Bank has also decided to merge SBICI
have been given top priority for arresting new
Bank Ltd., a wholly owned domestic
additions and reducing the existing level of NPAs.
banking subsidiary, with itself to bring about
further synergy and efficiency. Necessary • The machinery for identification and monitoring
approval is awaited from the Government of Special Mention Accounts by making prompt
of India. review and taking quick corrective action has also
been geared up for the purpose.
• SBI Cap Securities Ltd. (SSL)., which is a
wholly owned subsidiary of SBI Capital • The Bank referred 9 cases with aggregate exposure
Markets Ltd., is proposed to be taken over of Rs. 883 crores to CDR mechanism this year out
of a total of 20 cases with aggregate exposure of
by SBI as a direct subsidiary in order to
Rs. 1,235 crores referred to CDR by the whole
impart greater synergy by undertaking
Banking system. Our share in the debt in the cases
besides broking activities, marketing of other
referred was 72% by value. In all cases, timely
wealth management products through State
intervention enabled the accounts to retain their
Bank Group channels. The proposal is
Standard Asset status.
awaiting necessary regulatory approvals.
• Five financial assets involving principal
• With a view to improving the market share in outstandings of Rs. 289 crores have been sold to
domestic and international factoring business other banks/ARCIL during the year.
as also to have synergy in operations and
optimising efficiency, the Bank has proposed K. INFORMATION TECHNOLOGY
to merge SBI Factors and GTFL, two of its own The Bank has been proactive in responding to
subsidiaries. The proposal is awaiting the opportunities thrown open by evolving
necessary regulatory approvals. technology and increasing technology

57

C57 K57
¶ãÌããñ¶½ãñÓããè ¤âØã Ôãñ „¹ã¾ããñØã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ØãÆãև㊠Ôãâ¦ãìãäÓ›
‡ãŠã Ô¦ãÀ ºãü¤ã¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆãõ²ããñãäØã‡ãŠãè ÔãâÞãããäÊã¦ã ºãöãå‡ãŠØã Ôã½ãã£ãã¶ã
‡ãŠã¾ããÃãä¶Ìã¦ã ãä‡ãŠ† Øã†ý
¶ãñ›Ìããä‡ãÄŠØã: ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ö½ããÀñ Ìãメ †ãäÀ¾ãã ¶ãñ›Ìã‡ãÊ ½ãò ‚ããõÀ
2000 Ôãñ ‚ããä£ã‡ãŠ ÍããŒãã‚ããò ‡ãŠãñ •ããñü¡ ã䪾ãã Øã¾ããý ƒÔã Ôã½ã¾ã ºãö‡ãŠ
‡ãŠãè Ôã¼ããè ÍããŒãã†â ‚ããõÀ †›ã膽㠶ãñ›Ìã‡ãÊ Ôãñ •ãìü¡ñ Öì† Ööý ºãö‡ãŠ ‡ãñŠ
̾ãÌãÔãã¾ã ‚ã¶ãì¹ãƾããñØããò ½ãò ¶ãñ›Ìã‡ãÊ ‡ãŠãè ¹ãƽãìŒã ¼ãîãä½ã‡ãŠã ÀÖ¦ããè Öõ ‚ããõÀ
¾ãÖ ‚ããâ‡ãŠü¡ãò ‡ãŠã Ñã̾㠆Ìãâ Ò;ã ¹㠽ãò ÔãìÀãäàã¦ã ‚ããªã¶ã-¹ãƪã¶ã
‡ãŠÀ¶ãñ ½ãò Ôãàã½ã Öõý
‡ãŠãñÀ ºãöãä‡ãâŠØã: ã䪶ããâ‡ãŠ 23.07.2008 ‡ãŠãñ •ãºã ºãö‡ãŠ ‡ãŠãè Ôã¼ããè ÍããŒãã†â
‡ãŠãñÀ ºãöãå‡ãŠØã Ôã½ãã£ãã¶ã ¹ãÀ ‡ãŠã¾ãà ‡ãŠÀ¶ãñ ÊãØããè ¦ãºã ºãö‡ãŠ ¶ãñ Ôã½¹ãî¥ãà ‡ãŠãñÀ
ºãöãä‡ãâŠØã ‡ãŠã ‚ã¹ã¶ãã Êãà¾ã ¹ãÆ㹦㠇ãŠÀ ãäÊã¾ããý ¾ãÖ ºãö‡ãŠ ‡ãŠãè ‚ã¦¾ãâ¦ã
½ãÖ¦Ìã¹ãî¥ãà „¹ãÊãã亣ã¾ããò ½ãò Ôãñ †‡ãŠ Öõ ‚ããõÀ ‡ãòŠ³ãè‡ãðŠ¦ã ‚ããâ‡ãŠü¡ã ‚ãã£ããÀ
(‡ãŠãñÀ ºãöãä‡ãâŠØã) ¹ãÆ¥ããÊããè Ôãñ ÔãâÞãããäÊã¦ã Öãñ¶ãñ ÌããÊãã Ö½ããÀã ‚ããõÀ ÔãÖ¾ããñØããè
ºãö‡ãŠãò ‡ãŠã ¶ãñ›Ìã‡ãÊ ãäÌãÍÌã ‡ãñŠ ÔãºãÔãñ ºãü¡ñ ºãöãä‡ãâŠØã ¶ãñ›Ìã‡ãŠãô ½ãò Ôãñ †‡ãŠ
‚ãØãÆ¥ããè ¶ãñ›Ìã‡ãÊ Öõý ‡ãŠãñÀ ºãöãä‡ãâŠØã ¶ãñ Ö½ããÀñ Êãñ¶ãªñ¶ã ¹ãÆãä‰ãŠ¾ãã Ôãâºãâ£ããè
‡ãŠã¾ããô ‡ãŠãè àã½ã¦ãã ºãü¤ãƒÃ Öõý ƒÔãÔãñ Ö½ããÀñ ØãÆãև㊠ºãö‡ãŠ ‡ãŠãè 11448
ÍããŒãã‚ããò ½ãò Ôãñ ãä‡ãŠÔããè ¼ããè ÍããŒãã Ôãñ ‚ã¹ã¶ãã ºãöãä‡ãâŠØã ̾ãÌãÔãã¾ã ‡ãŠÀ
Ôã‡ãŠ¦ãñ Ööý Ö½ããÀãè 506 ÍããŒãã‚ããò ½ãò ‡ãŠãñÀ ‚ãã£ãããäÀ¦ã ̾ãã¹ããÀ ãäÌ㦦ã¹ããñÓã¥ã
‡ãŠãè ÔãìãäÌã£ãã ¼ããè „¹ãÊ㺣ã Öãñ ØãƒÃ Öõý
ƒâ›À¶ãñ› ºãöãä‡ãâŠØã: 2100 Ôãñ ‚ããä£ã‡ãŠ ÍããŒãã‚ããò ‡ãŠãñ ƒâ›À¶ãñ› ºãöãä‡ãâŠØã
Ôãñ •ããñü¡ ã䪆 •ãã¶ãñ Ôãñ ºãö‡ãŠ ‡ãŠãè Ôã¼ããè ÍããŒãã‚ããò ½ãò ‚ãºã ƒâ›À¶ãñ›
ºãöãä‡ãâŠØã ÔãìãäÌã£ãã „¹ãÊ㺣ã Öõý ‡ãŠÖãé ¼ããè, ãä‡ãŠÔããè ¼ããè Ôã½ã¾ã ºãöãä‡ãâŠØã ‡ãñŠ
‚ãÊããÌãã Ö½ããÀãè ƒâ›À¶ãñ› ºãöã‡ä ãâŠØã ½ãò ‚ããÀ›ãè•ããè†Ôã/†¶ãƒÃ†¹ãŠ›ãè ‡ãñŠ ½ã㣾ã½ã
Ôãñ ãä¶ããä£ã¾ããò ‡ãñŠ ‚ãâ¦ãÀ¥ã, ‡ãŠÀãò ‡ãŠã ¼ãìØã¦ãã¶ã, †Ôㆽã†Ôã ‚ãÊã›áÃÔã, ãäºãÊããò
‡ãŠã ¼ãìØã¦ãã¶ã, Íãìʇ㊠¼ãìØã¦ãã¶ã, ½¾ãîÞãì‚ãÊ㠹㊥¡ ãä¶ãÌãñÍã, ‚ãヹããè‚ããñ ‡ãñŠ
ãäÊㆠ‚ããä¼ãªã¶ã, ½ãâãäªÀ/¶¾ããÔã ªã¶ã ‚ãããäª •ãõÔããè ½ãîʾãÌããä£ãæã ÔãñÌãã†â
„¹ãÊ㺣ã Öõâý ‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãñŠ ãäÊㆠÔããèºããèƒÃÔããè ¼ãìØã¦ãã¶ã, Ôããè½ãã-
Íãìʇ㊠¼ãìØã¦ãã¶ã, ¡ãè•ãã膹㊛ãè ‡ãñŠ ãäÊㆠÍãìʇ㊠ÔãâØãÆÖ¥ã, ÀñÊãÌãñ ‡ãñŠ ãäÊã†
¼ããü¡ã ÔãâØãÆ֥㠂ãããäª •ãõÔããè ‚ããä¦ããäÀ‡ã‹¦ã ÔãìãäÌã£ãã†â „¹ãÊ㺣㠇ãŠÀãƒÃ ØãƒÃ
Ööý ‚ã¶ãñ‡ãŠ ƒÃ-ØãÌã¶ãôÔã ¹ãÖÊããò ‡ãŠãñ ¼ããè ƒâ›À¶ãñ› ºãöãä‡ãâŠØã Ôãñ •ããñû¡ ã䪾ãã
Øã¾ãã Öõý
†›ã膽ã: ºãö‡ãŠ ‡ãŠã ‚ã¹ã¶ãñ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãñŠ Ôãã©ã †‡ãŠ Ôã½ãã¶ã
†›ã膽㠶ãñ›Ìã‡ãÊ Öõ •ããñ ªñÍã ½ãò ÔãºãÔãñ ºãü¡ã Öõý ƒÔã¶ãñ ãäªÔãâºãÀ
2008 ½ãò 10,000 †›ã膽ããò ‡ãŠãè Ôã⌾ãã ‡ãŠãñ ¹ããÀ ‡ãŠÀ ãäÊã¾ãã
Öõ ‚ããõÀ ÌãÓãà ‡ãñŠ ªãõÀã¶ã 2911 †›ã膽ããò ‡ãñŠ ‚ããõÀ •ãìü¡ •ãã¶ãñ
Ôãñ, ºãö‡ãŠ ‡ãñŠ ¹ããÔã ‚ãºã 11300 †›ã膽ããò Ôãñ ‚ããä£ã‡ãŠ ‡ãŠã †‡ãŠ
ãäÌãÍããÊã ¶ãñ›Ìã‡ãÊ Öõý ºãö‡ãŠ ‡ãñŠ ¹ããÔã 6 ªñÍããò ½ãò 19 ãäÌãªñÍããè
58
C58 K58
‡ãñŠ¶³ãò ½ãò †›ã膽ããò Ôãñ •ãìü¡ñ Öì† 33 ºãÖì-½ãì³ã (½ãÊ›ãè ‡ãŠÀòÔããè)
½ãã¡¿ãîÊã ¼ããè Öõâý Ö½ããÀñ †›ã膽ããò ¹ãÀ ‡ãŠã¡Ã Ôãñ ‡ãŠã¡Ã ‚ãâ¦ãÀ¥ã,
Íãìʇ㊠¼ãìØã¦ãã¶ã, „¹ã¼ããñ‡ã‹¦ãã ãäºãÊã ¼ãìØã¦ãã¶ã, ½ãâãäªÀãò/¶¾ããÔããò ‡ãŠãñ
ªã¶ã ‚ãããäª ªñ¶ãñ ‡ãŠãè ÔãìãäÌã£ãã ¼ããè „¹ãÊ㺣ã Öõý ºãö‡ãŠ ºãã¾ããñ½ããèãä›È‡ãŠ
‚ããõÀ ‡ãŠ½ã ÊããØã¦ã ÌããÊãñ ØãÆã½ããè¥ã †›ã膽ã Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†
¼ããè ¹ãƾããÔã ‡ãŠÀ ÀÖã Öõý
¼ãìØã¦ãã¶ã ¹ãÆ¥ããÊããè Ôã½ãîÖ: ºãö‡ãŠ ‡ãŠãè Ôã¼ããè ÍããŒãã‚ããò ‡ãŠãñ
‚ããÀ›ãè•ããè†Ôã ‚ããõÀ †¶ãƒÃ†¹ãŠ›ãè Ôãñ •ããñü¡ ã䪾ãã Øã¾ãã Öõý ƒÔã‡ãñŠ
‚ããä¦ããäÀ‡ã‹¦ã, ºãö‡ãŠ Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ¼ãìØã¦ãã¶ã ¹ãÆ¥ããÊããè (Ô›ñ› ºãö‡ãŠ
Ôã½ãîÖ ‡ãñŠ ºãö‡ãŠãò ½ãò ¦ãìÀâ¦ã ãä¶ããä£ã¾ããò ‡ãŠã ‚ãâ¦ãÀ¥ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†),
Ö½ããÀñ ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò Ôãñ †¶ãƒÃ†¹ãŠ›ãè ‡ãñŠ ½ã㣾ã½ã Ôãñ
Ö½ããÀñ ºãö‡ãŠ ‚ããõÀ Ôãã©ã Öãè Ôãã©ã ‚㶾㠺ãö‡ãŠãò ‡ãñŠ Œãã¦ããò ½ãò Ôããè£ãñ
ÀããäÍã •ã½ãã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÁ¹ã¾ãã ¹ãÆñÓã¥ã ¾ããñ•ã¶ãã Ôãñ ¼ããè •ãìü¡
Øã¾ãã Öõý
½ããñºããƒÊã ºãöãä‡ãâŠØã: ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ½ããñºããƒÊã ºãöãä‡ãâŠØã ÔãìãäÌã£ãã
Íãì ‡ãŠãè Öõ •ããñ ãäÌããä¼ã¸ã ¹ãƇãŠãÀ ‡ãŠãè ÔãñÌãã†â „¹ãÊ㺣㠇ãŠÀã¦ããè Öõ,
•ãõÔãñ †¶ãƒÃ†¹ãŠ›ãè ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ‡ãñŠ ãä¶ããä£ã¾ããò ‡ãŠã ‚ãâ¦ãÀ¥ã,
¹ãã㜠ÔãñÌãã†â (ÍãñÓã Ôãâºãâ£ããè ¹ãããœ/Ôãâãäà㹦㠌ãã¦ãã ãäÌãÌãÀ¥ã),
‚ã¶ãìÀãñ£ã ÔãñÌãã†â (Þãñ‡ãŠ ºãì‡ãŠ ‚ã¶ãìÀãñ£ã), †½ã-‡ãŠã½ãÔãà (½ããñºããƒÊã
›ãù¹ã ‚ã¹ã, ½ãÞãô› ¼ãìØã¦ãã¶ã, †Ôãºããè‚ãム•ããèÌã¶ã ºããè½ãã ¹ãÆãèãä½ã¾ã½ã)
‚ããõÀ ãäºãÊã ¼ãìØã¦ãã¶ã („¹ã¼ããñ‡ã‹¦ãã ãäºãÊã, ‰ãñŠãä¡› ‡ãŠã¡Ã)ý
¡ã›ã Ìãñ¾ãÀÖã„Ôã ¹ãÆãñ•ãñ‡ã‹›: ƒâ›À¹ãÆフ㠡ã›ã Ìãñ¾ãÀÖã„Ôã ‡ãŠã
‡ãŠã¾ããöÌã¾ã¶ã •ããÀãè Öõý ƒÔã‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã „¹ã¾ããñãäØã¦ãã¹ãî¥ãà Ôãã£ã¶ã
„¹ãÊ㺣㠇ãŠÀã†Øãã •ããñ ¹ãÆãä‰ãŠ¾ãã‚ããò ‡ãŠãñ ºãñÖ¦ãÀ ºã¶ãã¶ãñ, „¦¹ããª
ãä¶ãÓ¹ã㪶ã, Þãõ¶ãÊã ¹ãƺãâ£ã, ØãÆãև㊠Ôãâºãâ£ã ¹ãƺãâ£ã, ÔããâãäÌããä£ã‡ãŠ ÊãñŒãã-
¹ãÀãèàãã, ãä¶ãÀãèàã¥ã †Ìãâ ÊãñŒãã-¹ãÀãèàãã, ºã•ã› †Ìãâ ½ãã¶ããè›ãäÀâØã ‚ããõÀ
‚ããâ¦ããäÀ‡ãŠ ¹ãƾããñ‡ã‹¦ãã‚ããò ‡ãñŠ ãäÊㆠÔÌã¾ãâ ÔãÖã¾ã¦ãã Ôãñ Ôãâºãâãä£ã¦ã
ãäÌãÍÊãñÓã¥ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ãä¶ã¥ãþã ÔãÖã¾ã¦ãã ¹ãÆ¥ããÊããè (¡ãè†Ôã†Ôã)
Öñ¦ãì ÔãîÞã¶ãã ‡ãñŠ ¹ãÆÔããÀ ‡ãñŠ ãäÊㆠ†‡ãŠ `ºãìã䮽ãã¶ã ÔãâØ㟶ã' ‡ãñŠ ¹ã
½ãò ÔÌã¾ãâ ‡ãŠãñ ÔãÍã‡ã‹¦ã ºã¶ãã¶ãñ ½ãò ºãö‡ãŠ ‡ãŠãè ½ãªª ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†
‚ããÌã;ã‡ãŠ Öõý
ÔãîÞã¶ãã ÔãìÀàãã: ºãö‡ãŠ ‡ãñŠ ¹ããÔã †‡ãŠ ÔãÍã‡ã‹¦ã ‚ãホãè ¶ããèãä¦ã ‚ããõÀ
ÔãîÞã¶ãã ¹ãÆ¥ããÊããè (‚ãテÔã) ÔãìÀàãã ¶ããèãä¦ã Öõ •ããñ ‚ãâ¦ãÀÀãÓ›Èãè¾ã ÑãñÓŸ
¹ãÆ©ãã‚ããò Ôãñ ÔãìÔããä••ã¦ã Öõý ̾ãÌãÔãã¾ã ãä¶ãÀâ¦ãÀ¦ãã Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãñ
‚ããõÀ ãä‡ãŠÔããè ¼ããè ‚ãã¹ãªã ‡ãñŠ Ôãã½ã¶ãñ ÔãìÀàãã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†,
ºãö‡ãŠ ¶ãñ †‡ãŠ ‚ãã¹ãªã ¹ãƺãâ£ã¶ã †Ìãâ ̾ãÌãÔãã¾ã ãä¶ãÀâ¦ãÀ¦ãã ¾ããñ•ã¶ãã
‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠãè Öõý ºãö‡ãŠ ‡ãŠãè ÔãîÞã¶ãã ¹ãÆ¥ãããäÊã¾ããò ‡ãŠãè ÔãìÀàãã ‡ãŠãè
ãä¶ã¾ããä½ã¦ã Ôã½ããèàãã ‡ãŠãè •ãã¦ããè Öõ ãä•ãÔãÔãñ ¾ãÖ Ôãìãä¶ããäÍÞã¦ã Öãñ Ôã‡ãñŠ
penetration. Technology has been used
innovatively for achieving financial inclusion
and technology driven banking solutions have
been implemented to achieve enhanced
customer satisfaction.
Networking: More than 2000 branches were
added to our wide area network during the year.
Presently all the branches and ATMs of the Bank
are networked. The network plays a major role in
supporting the Bank’s business applications and
is capable of carrying data voice and video in a
secure manner.
Core Banking: The Bank achieved full Core
Banking status on 23.07.2008 when all the
branches of the Bank were made functional on
CBS. This is one of the most important
achievements of the Bank as our network along
with Associate Banks is one of the largest banking
network in the world to have gone on centralised
data base (Core Banking) system. Core Banking
has not only enhanced our transaction processing
capabilities but has also empowered our
customers to transact their banking business from
any of the 11448 branches of the Bank. Our 506
branches have been enabled for Core Integrated
Trade Finance also.
Internet Banking: With enabling of over 2100
branches for internet banking, all the branches of
the Bank are now internet banking enabled. Apart
from enabling Anywhere Anytime banking, our
Internet Banking offers a host of value added
services like funds transfer through RTGS/NEFT,
Payment of Taxes, SMS Alerts, Bills Payments,
Fee Payments, Mutual Fund Investments,
Subscription to IPOs, Temple/Trust Donations etc.
For Corporate customers, additional facilities like
CBEC Payment, Customs Payment, Fee
collections for DGFT, Freight collection for
Railways etc. have been provided. A number of
e-Governance initiatives have also been enabled
through Internet Banking.
ATMs: The Bank, along with its Associate banks
have a common ATM network which is the largest
in the country. It crossed the milestone of 10,000
ATMs in December 2008 and with an addition of
59
C59 K59
2911 ATMs during the year, the Bank has now a
network of more than 11300 ATMs. The Bank also
has 33 Multi Currency Module enabled ATMs at
19 foreign centres in 6 countries. Functionalities
available at our ATMs include Card to Card
Transfer, Fee Payments, Utility Bill Payments,
Donations to Temples/Trusts etc. The Bank is also
in the process of installing Biometric and low cost
rural ATMs.
Payment Systems Group: All the branches of the
Bank have been enabled for RTGS and NEFT
transactions. Further, the Bank has also enabled
State Bank Group Payment Scheme (for instant
funds transfer among State Bank Group Banks),
Rupee Remittance Scheme from our foreign
offices for direct credit to accounts in our Bank
as well as with other banks through NEFT.
Mobile Banking: The Bank has launched its
mobile banking facility which offers various
features like Funds Transfer using NEFT, Enquiry
Services (balance enquiry / mini statement),
Request Services (cheque book request),
m-commerce (Mobile Top Up, merchant
payments, SBI Life Insurance premium) and bill
payment (utility bills, credit cards).
Data Warehouse Project: Implementation of
Enterprise Data Warehouse is under progress. Its
implementation will provide critical tools
necessary to help the Bank strengthen itself as an
“intelligent organisation”, to improve processes,
delivery of information for Decision Support
System (DSS) consisting of analytics on product
performance, channel management, customer
relationship management, concurrent audit,
Inspection and Audit, budgeting and monitoring
and self service for internal users.
Information Security: The Bank has a robust IT
policy and Information System (IS) Security
policy which has been benchmarked against
global best practices. To ensure business
continuity and to guard against any disaster, the
Bank has put in place a disaster recovery and
business continuity plan. The Bank’s
Information Systems Security is regularly
reviewed to ensure that the Bank’s information
 ãä‡ãŠ ºãö‡ãŠ ‡ãŠãè ÔãîÞã¶ãã ¹ãÆ¥ãããäÊã¾ããâ ÔãìÀãäàã¦ã Öö ‚ããõÀ ºãöãå‡ãŠØã ¹ããäÀÞããÊã¶ã
ÔãìÀãäàã¦ã ¤âØã Ôãñ ÔãâÞãããäÊã¦ã ãä‡ãŠ† •ãã ÀÖñ Ööý
ãäÌããäÌã£ã ¹ããäÀÞããÊã¶ã
Ÿ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã †Ìãâ ‚ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã
¡ ̾ãÌãÔãã¾ã ‚ããÔãîÞã¶ãã ãäÌã¼ããØã
¤ ØãÆãև㊠ÔãñÌãã †Ìãâ Ôãã½ãããä•ã‡ãŠ ÔãñÌãã ºãöãä‡ãâŠØã
Ÿ. •ããñãäŒã½ã ¹ãƺãâ£ã¶ã †Ìãâ ‚ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ½ãò •ããñãäŒã½ã ¹ãƺãâ£ã¶ã
Ÿ.1 •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ÔãâÀÞã¶ãã
• ¨ãÉ¥ã, ºãã•ããÀ, ¹ããäÀÞããÊã¶ã㦽ã‡ãŠ †Ìãâ Ôã½ãîÖ •ããñãäŒã½ããò ‡ãŠãñ Íãããä½ãÊã
‡ãŠÀ¦ãñ Öì† †‡ãŠãè‡ãðŠ¦ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Öñ¦ãì †‡ãŠ ÔÌã¦ãâ¨ã •ããñãäŒã½ã
¹ãƺãâ£ã¶ã ÔãâÀÞã¶ãã ‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠãè ØãƒÃ Öõý ƒÔã ÔãâÀÞã¶ãã ‡ãñŠ ½ã㣾ã½ã
Ôãñ ¹ããäÀÞããÊã¶ã Ô¦ãÀ ¹ãÀ ̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò ‡ãŠãñ ÔãÍã‡ã‹¦ã ºã¶ãã¶ãñ
‡ãŠã ¹ãƾããÔã ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒÔã½ãò „ªáØã½ã Ô©ãÊã ¹ãÀ Öãè •ããñãäŒã½ã
‡ãŠãè ¹ãÖÞãã¶ã †Ìãâ ¹ãƺãâ£ã¶ã ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã Öõý
• ƒÔãñ ‚㦾ããÌã;ã‡ãŠ ½ãã¶ã¦ãñ Öì†, ºãñÖ¦ãÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ¹ãÆ©ãã‚ããò,
ºãñÔãÊã-II ‚ã¹ãñàãã‚ããò ‚ããõÀ ¹ãîâ•ããè ‡ãñŠ ÔãâÀàã¥ã ‚ããõÀ ƒÓ›¦ã½ã „¹ã¾ããñØã
‡ãñŠ ½ãÖ¦Ìãã‡ãŠãâàããè Êãà¾ã ‡ãñŠ Ôãã©ã-Ôãã©ã ¹ããäÀÞããÊã¶ã Ô¦ãÀ ¹ãÀ •ãã¶ã‡ãŠãÀãè
‡ãŠã Ô¦ãÀ ºãü¤ã¶ãñ ‡ãñŠ ¹ãƾããÔã •ããÀãè Ööý
• †ñÔãñ ¹ããäÀÌã¦ãöããò ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¦ãñ Öì† •ããñ ªºããÌãÌããÊããè ¹ããäÀãäÔ©ããä¦ã¾ããò
½ãò ºãö‡ãŠ ‡ãñŠ ¹ããñ›Ã¹ãŠãñãäÊã¾ããñ ½ãò ãä‡ãŠ† •ãã Ôã‡ãŠ¦ãñ Öö, ºãö‡ãŠ ¶ãñ †‡ãŠ
†ñÔããè ¶ããèãä¦ã ‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠãè Öõ •ããñ ‚ããÌããä£ã‡ãŠ ‚ãâ¦ãÀãÊããò ¹ãÀ ªºããÌã
¹ãÀãèàã¥ã ‡ãŠÀ¶ãñ ‚ããõÀ •ãÖãâ ‡ãŠÖãé ‚ããÌã;ã‡ãŠ Öãñ, Ôãì£ããÀ㦽ã‡ãŠ „¹ãã¾ã
Íãì ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†‡ãŠ ÔãâÀÞã¶ãã „¹ãÊ㺣㠇ãŠÀã¦ããè Öõý †ñÔãñ ¹ãÀãèàã¥ããò
‡ãŠãè ãäÌãÓã¾ãÌãÔ¦ãì ‡ãŠãè Ôã¦ã¦ã Ôã½ããèàãã ‡ãŠãè •ãã¦ããè Öõ ãä•ãÔãÔãñ ‚ããõÀ ‚ããä£ã‡ãŠ
•ããñãäŒã½ã¹ãî¥ãà ãäÔ©ããä¦ã¾ããò ‡ãŠãñ Íãããä½ãÊã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý
• •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ‡ãŠãè ̾ãÌãÔãã¾ã Ìãðãä® ‚ããõÀ ‡ãŠã¾ãöããèãä¦ã‡ãŠ ̾ãÌãÔãã¾ã
‚ãã¾ããñ•ã¶ãã ½ãò ½ãÖ¦Ìã¹ãî¥ãà ¼ãîãä½ã‡ãŠã ÀÖ¦ããè Öõý ̾ãÌãÔãã¾ã À¥ã¶ããèãä¦ã
¦ãõ¾ããÀ ‡ãŠÀ¦ãñ Ôã½ã¾ã ‚ãã£ããÀ¼ãî¦ã •ããñãäŒã½ããò ‡ãŠã ‚ãã‡ãŠÊã¶ã ãä‡ãŠ¾ãã •ãã¦ãã
Öõý •ããñãŒä ã½ã ‡ãŠãè ¹ãƦ¾ãñ‡ãŠ Ôãâ¼ããÌã¶ãã ‚ããõÀ ̾ãÌãÔãã¾ã ¹ãƇãŠã¾ããô ‡ãñŠ ºããèÞã
¹ãÀÔ¹ãÀ ãä¶ã¼ãÃÀ¦ãã/Ôãâºãâ£ã ‡ãŠã ÊãØãã¦ããÀ ‚ãã‡ãŠÊã¶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý
Ÿ.2 ºãñÔãÊã-II ‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã
• ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ºãö‡ãŠ ¶ãñ
31 ½ããÞãà 2008 ‡ãŠãñ ºãñÔãÊã-II ½ãã¶ãª¥¡ãò ‡ãŠãñ ‚ã¹ã¶ãã ãäÊã¾ãã Öõý
Ôãã©ã Öãè ‚ã²ã¦ã¶ã ¹ã®ãä¦ã¾ããú ‚ã¹ã¶ãã¶ãñ ‡ãŠãè ‚ã¹ãñàãã‚ããò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ¹ãÆ¥ãããäÊã¾ããò †Ìãâ ‡ãŠã¾ãÃãÌä ããä£ã¾ããò, ÔãîÞã¶ãã ¹ãÆã²õ ããñãØä ã‡ãŠãè àã½ã¦ãã‚ããò
‚ããõÀ •ããñãŒä ã½ã ‚ããä¼ãÍããÔã¶ã ÔãâÀÞã¶ãã ‡ãŠãñ ‚ã²ã¦ã¶ã ºã¶ãã¶ãñ ‡ãñŠ ãäÊã†
¹ãÆã‰ä ㊾ãã†â ¦ãõ¾ããÀ ‡ãŠÀ Êããè ØãƒÃ Ööý
60
C60 K60
• ãäÌããä¼ã¸ã ¹ãÖÊããò •ãõÔãñ ¶ã† ¨ãɥ㠕ããñãäŒã½ã ãä¶ã£ããÃÀ¥ã ½ããù¡Êã ‚ã¹ã¶ãã¶ãã,
‚ããâ¦ããäÀ‡ãŠ Àñãä›âØããò ‡ãŠãè ÔÌã¦ãâ¨ã †•ãòãäÔã¾ããò Ôãñ ¹ãìãäÓ› ‡ãŠÀã¶ãã ‚ããõÀ ¨ãÉ¥ã
‚ããâ‡ãŠü¡ãò ‡ãŠãè Øãì¥ãÌ㦦ãã ºãü¤ã¶ãñ Ôãñ ¶ã ‡ãñŠÌãÊã ¹ãîâ•ããè ‡ãŠã ÔãâÀàã¥ã Öãñ
Ôã‡ãñŠØãã ‚ããä¹ã¦ãì ‚ã²ã¦ã¶ã ¹ã®ãä¦ã¾ããò ‡ãŠã ‚ãâØããè‡ãŠÀ¥ã ¼ããè ‚ããÔãã¶ã Öãñ
•ãã†Øããý
Ÿ.3 ¨ãɥ㠕ããñãäŒã½ã ¹ãƺãâ£ã¶ã
• ¨ãɥ㠕ããñãŒä ã½ã ¹ãƺãâ£ã¶ã ¹ãÆã‰ä ㊾ãã ½ãò ¨ãɥ㠕ããñãŒä ã½ããò ‡ãŠãè ¹ãÖÞãã¶ã, „¶ã‡ãŠã
‚ãã‡ãŠÊã¶ã †Ìãâ ½ãã¹ã¶ã, „¶ã‡ãŠãè ãä¶ãØãÀã¶ããè ¦ã©ãã ãä¶ã¾ãâ¨ã¥ã Íãããä½ãÊã Ööý
Ôãì¹ããäÀ¼ãããäÓã¦ã ¹ãÆãÀâã¼ä ã‡ãŠ •ããñãŒä ã½ã ‚ãã‡ãŠÊã¶ã ¹ãÆ¥ãããäÊã¾ããú •ãõÔãñ Ôããè‚ããÀ†
½ãã¡Êã, „²ããñØã ¨ãɥ㠕ããñãŒä ã½ã ½ãã¶ãª¥¡, ¹ãÆã¦ä ã¹ãàã ¨ãɥ㠕ããñãŒä ã½ã
Ôããè½ãã‚ããò, ºãü¡ãè ¨ãÉ¥ã Ôããè½ãã‚ããò ‡ãñŠ ãä¶ã£ããÃÀ¥ã ‡ãŠãè ¹ãÆ¥ããÊããè ‚ãããäª
„¹ãÊ㺣ã Öõý
Ÿ.4 ºãã•ããÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã
• ºãã•ããÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ºã㥡, ƒÃãä‡ã‹Ìã›ãè †Ìãâ ãäÌãªñÍããè ½ãì³ã ½ãò
ãä¶ãÌãñÍã †Ìãâ ̾ãã¹ããÀ ‡ãñŠ ãäÊㆠºããñ¡Ã ´ãÀã ‚ã¶ãì½ããñã䪦㠶ããèãä¦ã¾ããò ‡ãñŠ
‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã •ãã¦ãã Öõý
• ¨ãɥ㠕ããñãäŒã½ã, Öããä¶ã Àãñ‡ãŠ¶ãñ, ‚ãÌããä£ã Ôããè½ãã†â ‚ããõÀ ̾ã즹ã¸ã Ôããè½ãã†â
ãä¶ã£ããÃãäÀ¦ã ‡ãŠãè ØãƒÃ Ööý ‚㶾㠹ãƺãâ£ã¶ã „¹ãã¾ããò ‡ãñŠ Ôãã©ã-Ôãã©ã ƒ¶ã
¨ãÉ¥ã Ôããè½ãã‚ããò ‡ãñŠ •ããñãäŒã½ã ‡ãŠã ªõãä¶ã‡ãŠ ‚ãã£ããÀ ¹ãÀ ‚ãã‡ãŠÊã¶ã ãä‡ãŠ¾ãã
•ãã¦ãã Öõ ‚ããõÀ ºãã•ããÀ •ããñãäŒã½ã ‡ãŠã ãä¶ã¾ãâ¨ã¥ã †Ìãâ ¹ãƺãâ£ã¶ã ‡ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ‚ã¹ãñàãã¶ãìÔããÀ ‚ããÌã;ã‡ãŠ ‡ãŠãÀÃÌããƒÃ ‡ãŠãè •ãã¦ããè Öõý
Ÿ.5 ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã
• ºãö‡ãŠ ̾ãã¹ã‡ãŠ ‚ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã ¹ãÆ¥ããÊããè †Ìãâ ¶ããèãä¦ã¾ããò ‡ãŠãñ ÊããØãî
‡ãŠÀ¦ãñ Öì† ¹ããäÀÞããÊã¶ã •ããñãäŒã½ããò ‡ãŠã ¹ãƺãâ£ã¶ã ‡ãŠÀ¦ãã Öõý
• ºãö‡ãŠ ‡ãñŠ ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ‡ãŠã „ªáªñ;㠂ã¶ãÌãÀ¦ã ¹ã
Ôãñ ¹ãÆ¥ãããäÊã¾ããò †Ìãâ ãä¶ã¾ãâ¨ã¥ã ¦ãâ¨ããò ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¶ãã, ¹ãîÀñ ºãö‡ãŠ
½ãò ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ‡ãñŠ ¹ãÆãä¦ã •ããØã‡㊦ãã ¹ãõªã ‡ãŠÀ¶ãã, •ããñãäŒã½ã
‡ãŠãè ãä•ã½½ãñªãÀãè Ôããö¹ã¶ãã, •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ ̾ãÌãÔãã¾ã
‡ãŠã¾ãöããèã¦ä ã ãä¶ã£ããÃÀ¥ã ‡ãñŠ Ôãã©ã Ôãã©ã ÞãÊãã¶ãã †Ìãâ ãäÌããä¶ã¾ãã½ã‡ãŠ
‚ã¹ãñàãã‚ããò ‡ãŠãè ¹ãîãä¦ãà Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã Öõý
• ƒÔã ¶ããèãä¦ã ‡ãŠãñ ºãö‡ãŠ ‡ãñŠ ‚ãâªÀ Ôã¼ããè ̾ãÌãÔãã¾ã †Ìãâ ‡ãŠã¾ãà àãñ¨ããò ½ãò
ÊããØãî ãä‡ãŠ¾ãã •ãã¦ãã Öõ ‚ããõÀ ƒÔã‡ãñŠ ‚ã¶ãì¹㠹ããäÀÞããÊã¶ã ¹ãÆ¥ãããäÊã¾ããò,
‡ãŠã¾ãÃãäÌããä£ã¾ããò ‚ããõÀ ãäªÍãã-ãä¶ãªóÍããò ‡ãŠãñ Ôã½ã¾ã Ôã½ã¾ã ¹ãÀ ‚ã²ã¦ã¶ã
ãä‡ãŠ¾ãã •ãã¦ãã Öõý
Ÿ.6 Ôã½ãîÖ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã
• Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ‡ãŠãñ †‡ãŠ ¹ãƽãìŒã ãäÌ㦦ããè¾ã Ôã½ãîÖ ½ãã¶ãã •ãã¦ãã Öõ
ãä•ãÔã‡ãŠãè ¹ãÆ¥ããÊããè ‡ãñŠ ½ãã½ãÊãñ ½ãò ½ãÖ¦Ìã¹ãî¥ãà ãäÌ㦦ããè¾ã ½ã£¾ãÔ©ã ‡ãñŠ
¹㠽ãò ãäÌããä¼ã¸ã ãäÌ㦦ããè¾ã ºãã•ããÀãò ½ãò ¹ãƼããÌã¹ãî¥ãà „¹ããäÔ©ããä¦ã Öõý
• ¦ãª¶ãìÔããÀ, ãäÌããä¶ã¾ãã½ã‡ãŠ ‡ãŠãè ÒãäÓ› Ôãñ ‚ããõÀ Ôã½ãîÖ ‡ãñŠ ‚ã¹ã¶ãñ ‚ããâ¦ããäÀ‡ãŠ
ãä¶ã¾ãâ¨ã¥ã ‚ããõÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ‡ãŠãè ÒãäÓ› Ôãñ, ªãñ¶ããò ¹ãƇãŠãÀ Ôãñ ¾ãÖ
 systems remain safe and banking operations are
conducted in a secure way.
Miscellaneous Operations
L Risk Management & Internal controls
M Business Intelligence Department
N Customer Service & Community
Services Banking
L. RISK MANAGEMENT & INTERNAL CONTROLS
RISK MANAGEMENT IN SBI
L.1 Risk Management Structure
• An independent Risk Governance structure is in
place for Integrated Risk Management covering
Credit, Market, Operational and Group Risks. This
framework visualises empowerment of Business
Units at the operating level, with technology being
the key driver, enabling identification and
management of risk at the place of origination.
• Being alive to this imperative, efforts are on hand
to enhance the degree of awareness at the
operating level in alignment with better risk
management practices, Basel II requirements and
the overarching aim of the conservation and
optimum use of capital.
• Keeping in view the changes which the Bank’s
portfolios may undergo in stressed situations, the
Bank has in place a policy which provides
a framework for conducting Stress Tests at
periodic intervals and initiating remedial
measures wherever warranted. The scope of the
tests is constantly reviewed to include more
stringent scenarios.
• Risk Management is perceived as an enabler for
business growth and in strategic business
planning, by aligning business strategy to the
underlying risks. This is achieved by constantly
reassessing the interdependencies / interfaces
amongst each silo of Risk and business functions.
L.2 Basel II Implementation
• The Bank, as per RBI Guidelines, has migrated to
Basel II as on 31st March 2008. Simultaneously,
processes have been set in train for fine-tuning
systems & procedures, IT capabilities and Risk
61
C61 K61
Governance structure to meet the requirements
of the Advanced Approaches.
• Various initiatives such as migration to new Credit
Risk Assessment Models, independent validation
of internal ratings and improvement in Loan Data
Quality would not only enable conservation of
capital but also facilitate smooth migration to
Advanced Approaches.
L.3 Credit Risk Management
• Credit Risk Management process encompasses
identification, assessment, measurement,
monitoring and control of credit exposures.
Well defined basic risk measures such as CRA
Models, Industry Exposure Norms, Counterparty
Exposure Limits, Substantial Exposure Limits,
etc. have been put in place.
L.4 Market Risk Management
• Market Risk Management is governed by the
Board approved Policies for Investment and
Trading in Bonds, Equities and Foreign Exchange.
• Exposure, Stop Loss, Duration Limits and Derivative
Limits have been prescribed. These limits along with
other Management Action Triggers, are tracked daily
and necessary action initiated as required to control
and manage Market Risk.
L.5 Operational Risk Management
• The Bank manages Operational risks by ensuring
maintenance of a comprehensive system of
Internal Controls and Policies .
• The objective of the Bank’s Operational Risk
Management is to continuously review systems
and control mechanisms, create awareness of
Operational Risk throughout the Bank, assign risk
ownership, alignment of risk management
activities with business strategy and ensuring
compliance with regulatory requirements.
• The Policy applies to all business and functional
areas within the Bank, and is supplemented by
operational systems, procedures and guidelines
which are periodically updated.
L.6 Group Risk Management
• The State Bank Group is recognised as a major
Financial Conglomerate and as a systemically
 ‚㦾ããÌã;ã‡ãŠ Öãñ Øã¾ãã Öõ ãä‡ãŠ Ôã½ãîÖ ‡ãŠãè ‚ãÊãØã-‚ãÊãØã ‚ã¶ãìÓãâãäØã¾ããò
‡ãŠãè ‡ãŠã¾ãùãÆ¥ããÊããè ¹ãÀ ãä¶ãØãÀã¶ããè ÀŒããè •ãㆠ‚ããõÀ Ôã½ãîÖ ½ãò •ããñãäŒã½ã
‡ãñŠ Ôã½¹ãî¥ãà ԦãÀ ‡ãŠã Ôã½ã¾ã Ôã½ã¾ã ¹ãÀ ‚ãã‡ãŠÊã¶ã ãä‡ãŠ¾ãã •ãㆠãä•ãÔãÔãñ
¹ãîâ•ããèØã¦ã ÔãâÔãã£ã¶ããò ‡ãŠã ƒÓ›¦ã½ã „¹ã¾ããñØã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠ ‚ããõÀ Ôã½ãîÖ
‡ãŠãè Ôã¼ããè ‚ã¶ãìÓãâãäØã¾ããò ½ãò †‡ãŠ Ôã½ãã¶ã •ããñãäŒã½ã ¹ãÆ©ãã‚ããò ‡ãŠãñ ‚ã¹ã¶ãã¾ãã
•ãã Ôã‡ãñŠý
• Ôã½ãîÖ ‡ãŠãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ¶ããèãä¦ã Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ‡ãñŠ Ôã¼ããè ÔãÖ¾ããñØããè
ºãö‡ãŠãò, ºãöãä‡ãâŠØã †Ìãâ ØãõÀ-ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããò ‚ããõÀ Ôãâ¾ãì‡ã‹¦ã „²ã½ããò
¹ãÀ ÊããØãî Öãñ¦ããè Öõ ‚ããõÀ ¾ãñ ‚ã¹ã¶ãñ ãäÌããä¶ã¾ãã½ã‡ãŠãò ‡ãñŠ ãäªÍãããä¶ãªóÍããò
‚ããõÀ Ôãâºã® ÊãñŒãã ½ãã¶ã‡ãŠãò ‡ãŠã ¹ããÊã¶ã ‡ãŠÀ¦ãñ Öö ý
• Ôã½ãîÖ ‡ãŠãè ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãñ ‚ã¹ã¶ãñ ¹ãƽãìŒã •ããñãäŒã½ããò †Ìãâ •ããñãäŒã½ã
¹ãƺãâ£ã¶ã ¹ãÆãä‰ãŠ¾ãã‚ããò ¦ã©ãã ¹ãîâ•ããè ‡ãŠã ãä¶ã£ããÃÀ¥ã ‡ãŠÀ¶ãñ ¾ããñؾ㠺ã¶ãã¶ãñ
‡ãŠãè ÒãäÓ› Ôãñ, ØãõÀ-ºãöã‡å ãŠØã ‚ã¶ãìÓãâãØä ã¾ããò ÔããäÖ¦ã Ôã½ãîÖ ‡ãñŠ Ôã¼ããè ÔãªÔ¾ããò
‡ãŠãñ ‚ã¹ã¶ããè ¶ããèã¦ä ã¾ããò †Ìãâ ¹ããäÀÞããÊã¶ããò ‡ãŠãñ ºãñÔãÊã ‚ãÌã£ããÀ¥ãã‚ããò ‚ããõÀ
‚ãâ¦ãÀÀãÓ›Èã¾è ã ÑãñÓŸ ¹ãÆ©ãã‚ããò ‡ãñŠ ‚ã¶ãì¹㠺ã¶ãã¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆã¦ñ ÔãããäÖ¦ã
ãä‡ãŠ¾ãã •ãã¦ãã Öõý
• ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, †‡ãŠ Ôã½ãîÖ •ããñãŒä ã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ¼ããè Øãã䟦ã
‡ãŠãè ØãƒÃ Öõý ¾ãÖ Ôããä½ããä¦ã Ôã½ãîÖ ‡ãŠãè Ôã¼ããè ‚ã¶ãìÓãâãØä ã¾ããò ½ãò •ããñãŒä ã½ã
‡ãñŠ ¹ãÆã¦ä ã •ããØã‡㊦ãã ‡ãŠã ãäÌã‡ãŠãÔã ‡ãŠÀ¶ãñ, ¶ããèã¦ä ã ‡ãŠãè ‚ããÌããä£ã‡ãŠ Ôã½ããèàãã
†Ìãâ ƒÔã‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ‚ãããäª ‡ãŠãñ Ôãìã¶ä ããäÍÞã¦ã ‡ãŠÀ¶ãñ ÔããäÖ¦ã Ôã½ãîÖ •ããñãŒä ã½ã
Ôãñ Ôãâºãâãä£ã¦ã Ôã¼ããè ½ãã½ãÊããò ¹ãÀ ãä¶ãØãÀã¶ããè ÀŒã¦ããè Öõ ý
Ÿ.7 ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã
• ºãö‡ãŠ ‡ãŠãè ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‡ãŠãñ ¦ãìÊã¶ã-¹ã¨ã •ããñãäŒã½ããò
‡ãŠã ¹ã¦ãã ÊãØãã¶ãñ †Ìãâ „¶ã‡ãŠã ãäÌãÍÊãñÓã¥ã ‡ãŠÀ¶ãñ ‚ããõÀ ƒ¶ã •ããñãäŒã½ããò
‡ãŠñ ‡ãìŠÍãÊã ¹ãƺãâ£ã¶ã ‡ãñŠ ãäÊㆠ¶¾ãî¶ã¦ã½ã ½ãã¹ãª¥¡ ãä¶ã£ããÃãäÀ¦ã ‡ãŠÀ¶ãñ
Öñ¦ãì „¹ã¾ãì‡ã‹¦ã ¹ãÆ¥ãããäÊã¾ããâ †Ìãâ ‡ãŠã¾ãÃãäÌããä£ã¾ããâ ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ ‡ãŠã ‡ãŠã¾ãÃ
Ôããö¹ãã Øã¾ãã Öõý
• ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã ãäÌã¼ããØã, •ããñ ‚ãããäÔ¦ã-ªñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã
‡ãŠã †‡ãŠ ÔãÖã¾ã‡ãŠ Ôã½ãîÖ Öõ, ãäÌããä¼ã¸ã ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã ãäÀ¹ããñ›ãô/
ãäÌãÌãÀãä¥ã¾ããò ‡ãŠã ãäÌãÍÊãñÓã¥ã ‡ãŠÀ‡ãñŠ ÞãÊããä¶ããä£ã •ããñãäŒã½ã, º¾ãã•ã ªÀ
•ããñãäŒã½ã ‚ãããäª •ãõÔãñ ºãö‡ãŠ ‡ãñŠ ºãã•ããÀ •ããñãäŒã½ããò ¹ãÀ ãä¶ãØãÀã¶ããè ÀŒã¦ãã
Öõý ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã ãäÌã¼ããØã ºãö‡ãŠ ‡ãŠãè ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã
¶ããèãä¦ã ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ãã Öõ ‚ããõÀ Ôã¦ã¦ã ‚ãã£ããÀ ¹ãÀ ºãö‡ãŠ/¼ããÀ¦ããè¾ã
ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ¶ããèãä¦ãØã¦ã ãäªÍãã-ãä¶ãªóÍããò ‡ãŠã ‚ã¶ãì¹ããÊã¶ã ‡ãŠÀ¦ãã Öõý
• ºãö‡ãŠ ¶ãñ ÞãÊããä¶ããä£ã •ããñãŒä ã½ã ‚ããõÀ º¾ãã•ã ªÀ •ããñãŒä ã½ã ‡ãñŠ ãäÊㆠ‚ããâ¦ããäÀ‡ãŠ
¹ãî•â ããè ¹ã¾ããù¦ã¦ãã ãä¶ã£ããÃÀ¥ã ¹ãÆ¥ããÊããè (‚ããƒÔãã膆¹ããè) ‡ãñŠ ‚ãÊããÌãã
ÞãÊããä¶ããä£ã •ããñãŒä ã½ã Öñ¦ãì †‡ãŠ ªºããÌã ¹ãÀãèàã¥ã ¶ããèã¦ä ã ¦ãõ¾ããÀ ‡ãŠãè Öõý
‚ãã£ãìã¶ä ã‡ãŠ ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã „¹ãã¾ããò ‡ãñŠ ãä¶ãÓ¹ã㪶㠇ãñŠ ½ã㣾ã½ã
Ôãñ ¹ãƼããÌããè ãä¶ãÓ¹ã㪶㠹ãƺãâ£ã¶ã ‡ãñŠ ãäÊㆠ‚ããõÀ º¾ãã•ã ªÀ •ããñãŒä ã½ã ¹ãƺãâ£ã¶ã
‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè Ôã¼ããè ̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò ½ãò ºãã•ããÀ
62
C62 K62
Ôãâºãâ£ããè ãä¶ããä£ã ‚ãâ¦ãÀ¥ã ½ãîʾã-ãä¶ã£ããÃÀ¥ã (†½ã‚ããÀ†¹ãŠ›ãè¹ããè) ̾ãÌãÔ©ãã
‡ãŠã Ôã¹ãŠÊã¦ãã¹ãîÌãÇ㊠‡ãŠã¾ããöÌã¾ã¶ã ãä‡ãŠ¾ãã Öõý
Ÿ.8 ‚ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã
Ÿ.8.1 ºãö‡ãŠ ½ãò ‚ãâ¦ããä¶ãÃãä֦㠂ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã ¹ãÆ¥ããÊããè ½ããõ•ãîª Öõ, ãä•ãÔã‡ãñŠ
‚ãâ¦ãØãæ㠹ãƦ¾ãñ‡ãŠ Ô¦ãÀ ¹ãÀ ÔãìÔ¹ãÓ› ãä•ã½½ãñªããäÀ¾ããâ ãä¶ã£ããÃãäÀ¦ã ‡ãŠãè ØãƒÃ
Ööý ºãö‡ãŠ ‡ãñŠ ãä¶ãÀãèàã¥ã †Ìãâ ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ãäÌã¼ããØã ´ãÀã ºãö‡ãŠ
‡ãñŠ ‡ãŠã¾ãÇãŠÊãã¹ããò ‡ãñŠ ãäÌããä¼ã¸ã ¹ãÖÊãì‚ããò ‡ãñŠ ãäÊㆠÞããÀ Ô¦ãÀãè¾ã ÊãñŒãã-
¹ãÀãèàãã†â, ‚ã©ããæ㠕ããñãäŒã½ã ‡ãñŠã䶳¦ã ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã-¹ãÀãèàãã
(‚ããÀ†¹ãŠ‚ãテ), ¨ãÉ¥ã ÊãñŒãã-¹ãÀãèàãã, ÔãîÞã¶ãã ¹ãÆ¥ããÊããè ÊãñŒãã-
¹ãÀãèàãã ‚ããõÀ ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ‡ãŠãè •ãã¦ããè Öõý ºãö‡ãŠ ‡ãŠã ãä¶ãÀãèàã¥ã
†Ìãâ ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ãäÌã¼ããØã, ÔãâØãã½ããè ÊãñŒãã-¹ãÀãèàãã •ããñ
½ã¥¡Êããò ´ãÀã ºãü¡ãè •ã½ããÀããäÍã¾ããò, ‚ããäØãƽããò ‚ããõÀ ‚㶾㠨ãÉ¥ã
•ããñãäŒã½ããò ÌããÊããè ÍããŒãã‚ããò ½ãò ¦ã©ãã ¨ãɥ㠄¶½ãìŒã ºããè¹ããè‚ããÀ ƒ‡ãŠãƒ¾ããò
½ãò ÔãâÞãããäÊã¦ã ‡ãŠãè •ãã¦ããè Öõ, ‡ãŠã ÔãâÞããÊã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆãä‰ãŠ¾ãã†â,
ãäªÍãã-ãä¶ãªóÍã, ¹ããäÀÞããÊã¶ã ‚ã¶ãìªÍñ ã ‚ããõÀ ¹ãÆã¹㠼ããè ãä¶ã£ããÃãÀä ¦ã ‡ãŠÀ¦ãã
Öõý „¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ (ãä¶ãÀãèàã¥ã †Ìãâ ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã)
‡ãñŠ ¶ãñ¦ãð¦Ìã ½ãò ¾ãÖ ãäÌã¼ããØã ÔÌã¦ãâ¨ã ¹ã Ôãñ ‡ãŠã¾ãà ‡ãŠÀ¦ãã Öõ ‚ããõÀ
ºãö‡ãŠ ‡ãñŠ ºããñ¡Ã ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã Ôããä½ããä¦ã (†Ôããèºããè) ‡ãŠãñ ãäÀ¹ããñ›Ã
‡ãŠÀ¦ãã Öõý
Ÿ.8.2 •ããñãäŒã½ã ‡ãñŠã䶳¦ã ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã-¹ãÀãèàãã
ãä¶ãÀãèàã¥ã ãäÌã¼ããØã ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã-¹ãÀãèàãã ‡ãŠã¾ãÃ, ãä•ãÔãñ ‡ãŠãÀ¹ããñÀñ›
‚ããä¼ãÍããÔã¶ã ‡ãŠã †‡ãŠ ÔãâÌãñª¶ãÍããèÊã Ü㛇㊠Ôã½ã¢ãã •ãã¦ãã Öõ, ½ãò
‚ãâ¦ãÀÀãÓ›Èãè¾ã ÑãñÓŸ ¹ãÆ©ãã‚ããò ‡ãŠãñ ¹ãÆÌããä¦ãæ㠇ãŠÀ¶ãñ ½ãò †‡ãŠ ½ãÖ¦Ìã¹ãî¥ãÃ
†Ìãâ ÔãâÌãñª¶ãÍããèÊã ¼ãîãä½ã‡ãŠã ‚ãªã ‡ãŠÀ¦ãã Öõý ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ
‡ãñŠ ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ •ããñãäŒã½ã ‚ãã£ãããäÀ¦ã ¹ã¾ãÃÌãñàã¥ã Ôãñ ‚ã¶ãìÊãضã
•ããñãŒä ã½ã ‡ãñŠã䶳¦ã ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã-¹ãÀãèàãã ‡ãŠãñ ºãö‡ãŠ ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã
¹ãÆ¥ããÊããè ½ãò ‚ã¹ãÆÊõ ã 2003 Ôãñ Íãì ãä‡ãŠ¾ãã Øã¾ãã Öõý ÍããŒãã‚ããò
‚ããõÀ ºããè¹ããè‚ããÀ ƒ‡ãŠãƒ¾ããò ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã †Ôããèºããè ´ãÀã ‚ã¶ãì½ããñãªä ¦ã
‚ãÌããä£ã ¹ãÀ †Ìãâ ¼ããÀ¦ããè¾ã ãäÀ•ûãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ
ÔãâÞãããäÊã¦ã ‡ãŠãè •ãã¦ããè Öõý ÌãÓãà ‡ãñŠ ªãõÀã¶ã 6136 ÍããŒãã‚ããò ‚ããõÀ
171 ºããè¹ããè‚ããÀ ƒ‡ãŠãƒ¾ããò ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã ÔãâÞãããäÊã¦ã ‡ãŠãè ØãƒÃý
Ÿ.8.3 ¨ãÉ¥ã ÊãñŒãã-¹ãÀãèàãã
¨ãÉ¥ã ÊãñŒãã-¹ãÀãèàãã ‡ãŠã „ªáªñ;ã Á. 10 ‡ãŠÀãñü¡ †Ìãâ „ÔãÔãñ ‚ããä£ã‡ãŠ
‡ãñŠ •ããñãäŒã½ã ÌããÊãñ ºãü¡ñ ‚ããäØãƽããò ‡ãŠãè ‚ãÊãØã-‚ãÊãØã Ôã½ããèàã㦽ã‡ãŠ
•ããâÞã ‡ãŠÀ¦ãñ Öì† ºãö‡ãŠ ‡ãñŠ ¨ãÉ¥ã ÔãâãäÌã¼ããØã ‡ãŠãè Øãì¥ãÌ㦦ãã ½ãò ÊãØãã¦ããÀ
Ôãì£ããÀ ‡ãŠÀ¶ãã Öõý ÊãñŒãã-¹ãÀãèàãã ½ãò Þãî‡ãŠ ‡ãŠãè Ôãâ¼ããÌã¶ãã‚ããò ‡ãŠãè •ããâÞã
‡ãŠãè •ãã¦ããè Öõ, •ããñãäŒã½ããò ‡ãŠã ¹ã¦ãã ÊãØãã¾ãã •ãã¦ãã Öõ ‚ããõÀ •ããñãäŒã½ã
‡ãŠ½ã ‡ãŠÀ¶ãñ ‡ãñŠ „¹ãã¾ã Ôãì¢ãㆠ•ãã¦ãñ Ööý ¨ãÉ¥ã ÔãâãäÌã¼ããØã ‡ãŠãè Øãì¥ãÌ㦦ãã
ºãü¤ã¶ãñ Öñ¦ãì ÍããèÜãÆ Ôãì£ããÀ㦽ã‡ãŠ „¹ãã¾ã Íãì ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‡ãìŠÊã •ããñãŒä ã½ã
 important financial intermediary with significant
presence in various financial markets.
• Accordingly, it has become imperative, both from
the regulatory point of view as well as from the
Group’s own internal control and risk
management point of view, to oversee the
functioning of individual entities in the Group
and periodically assess the overall level of risk
in the Group so as to facilitate optimal utilisation
of capital resources and adoption of a uniform
set of risk practices across the Group Entities.
• The Group Risk Management Policy applies to all
Associate banks, Banking and Non-banking
Subsidiaries and Joint Ventures of the State Bank
Group under the jurisdiction of specified regulators
and complying with the relevant Accounting
Standards.
• With a view to enabling the Group Entities to
assess their material risks and adequacy of the
risk management processes and capital, all Group
members, including Non-banking Subsidiaries are
encouraged to align their policies & operations
with the Group, vide Basel prescriptions and
international best practices.
• Further, a Group Risk Management Committee has
also been constituted to oversee the matters
relating to Group Risk by creating risk awareness
across all Group entities, ensuring periodic review
of the policy and its compliance etc.
L.7 Asset Liability Management
• The Asset Liability Management Committee
(ALCO) of the Bank is entrusted with the
evolvement of appropriate systems and procedures
in order to identify and analyse balance sheet risks
and setting of bench mark parameters for efficient
management of these risks.
• ALM Department, being the support group to
ALCO, monitors the Bank’s market risk such as
the liquidity risk, interest rate risk etc. by
analyzing various ALM reports/ returns. The ALM
department reviews the Bank’s ALM policy and
complies with the Bank’s/ RBI’s policy guidelines
on an ongoing basis.
• The Bank has successfully implemented Market
Related Funds Transfer Pricing (MRFTP) in all
63
C63 K63
its business units for effective performance
management and Interest Rate Risk Management
through execution of state-of-the-art ALM Tools.
L.8 Internal Controls
L.8.1 The Bank has in-built internal control
systems with well-defined responsibilities at
each level. Inspection & Management Audit
(I&MA) Department of the Bank carries out four
streams of audits- Risk Focussed Internal Audit
(RFIA), Credit Audit, Information Systems
Audit and Management Audit – covering
different facets of the Bank’s activities. I&MA
Department also prescribes the processes,
guidelines, manual of operations and formats
for the conduct of Concurrent Audit which is
administered by the Circles and carried out at
branches with large deposits, advances and
other risk exposures and credit oriented BPR
entities. The department, headed by the
Dy. Managing Director (I&MA), is functionally
independent and reports to the Audit
Committee of the Bank’s Board (ACB).
L.8.2 Risk Focussed Internal Audit
The Inspection system plays an important and
critical role in introducing international best
practices in the internal audit function which is
regarded as a critical component of Corporate
Governance. Risk Focussed Internal Audit, an
adjunct to risk based supervision as per RBI
directives, has been introduced in the Bank’s audit
system from April 2003. The audit of branches
and BPR entities is conducted as per the
periodicity approved by ACB and RBI guidelines.
During the year, audit of 6136 branches and 171
BPR entities was conducted.
L.8.3 Credit Audit
Credit Audit aims at achieving continuous
improvement in the quality of the credit
portfolio of the Bank by critically examining
individual large advances with exposures of
Rs.10 crores and above. The audit examines the
probability of default, identifies risks and
suggests risk mitigation measures. The overall
risk perception is also arrived at to initiate early
remedial action to improve the quality of credit
 ‡ãŠã ‚ãã‡ãŠÊã¶ã ¼ããè ãä‡ãŠ¾ãã •ãã¦ãã Öõý ÌãÓãà ‡ãñŠ ªãõÀã¶ã, Á. 2,64,854
‡ãŠÀãñ¡ü ‡ãñŠ ‡ãìŠÊã ¨ãÉ¥ããò ÌããÊãñ 4624 Œãã¦ããò ‡ãŠãè 289 ÍããŒãã‚ããò ½ãò
‡ãŠã¾ãÃ-Ô©ãÊã ¹ãÀ Öãè ¨ãÉ¥ã ÊãñŒãã-¹ãÀãèàãã ‡ãŠãè ØãƒÃý
Ÿ.8.4 ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã
¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ‡ãñŠ ‚ãâ¦ãØãæ㠺ãö‡ãŠ ½ãò ÊããØãî ¹ãÆãä‰ãŠ¾ãã‚ããò †Ìãâ
‡ãŠã¾ãÃãäÌããä£ã¾ããò ½ãò •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ‡ãŠãè ¹ãƼããÌãÍããèÊã¦ãã ¹ãÀ £¾ãã¶ã ã䪾ãã
•ãã¦ãã Öõ ‚ããõÀ ‚ãã£ããÀ ‡ãñŠ ¹㠽ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ •ããñãäŒã½ã
½ãã¹ãªâ¡ãò ‡ãŠã „¹ã¾ããñØã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ‡ãŠãè
¹ããäÀãä£ã ½ãò Ôã¼ããè ãä¶ã¾ãâ¨ã‡ãŠ/¹ãÆÍããÔããä¶ã‡ãŠ ‡ãŠã¾ããÃÊã¾ã, ÔãÖ¾ããñØããè ºãö‡ãŠ,
‚ã¶ãìÓãâãäØã¾ããú (ªñÍããè/ãäÌãªñÍããè), Ôãâ¾ãì‡ã‹¦ã „²ã½ã (ªñÍããè/ãäÌãªñÍããè), ºãö‡ãŠ
´ãÀã ¹ãÆã¾ããñãä•ã¦ã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ (‚ããÀ‚ããÀºããè), ãäÌãªñÍã ãäÔ©ã¦ã
¹ãÆãä¦ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ã ‚ããõÀ ºãö‡ãŠ ´ãÀã ¹ãƺãâ£ã ‡ãŠãè ØãƒÃ †‡ã‹ÔãÞãò•ã
‡ã⊹ããä¶ã¾ããâ Íãããä½ãÊã Öãñ¦ããè Ööý ÌãÓãà ‡ãñŠ ªãõÀã¶ã, 25 ‡ãŠã¾ããÃÊã¾ããò/
ÔãâÔ©ãã¹ã¶ãã‚ããò ½ãò ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ÔãâÞãããäÊã¦ã ‡ãŠãè ØãƒÃý
Ÿ.8.5 ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã
ãä¶ãÀãèàã¥ã †Ìãâ ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ãäÌã¼ããØã ºãö‡ãŠ ‡ãñŠ Ôã¼ããè ãäÌãªñÍã ãäÔ©ã¦ã
‡ãŠã¾ããÃÊã¾ããò ‡ãŠãè ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã-¹ãÀãèàãã ‡ãŠã ¹ã¾ãÃÌãñàã¥ã ‡ãŠÀ¦ãã Öõ, ‚ã©ããæã:
(‡ãŠ) ãä¶ãÀãèàã¥ã †Ìãâ ¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàãã ãäÌã¼ããØã ´ãÀã ‚ããä¼ããä¶ã£ããÃãäÀ¦ã
ãä‡ãŠ† Øㆠ‚ããä£ã‡ãŠããäÀ¾ããò ´ãÀã ‡ãŠãè ØãƒÃ ½ãîÊã ‡ãŠã¾ããÃÊã¾ã (Öãñ½ã
‚ãããä¹ãŠÔã) ÊãñŒãã-¹ãÀãèàããý
(Œã) ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã-¹ãÀãèàãã ¾ãã ¦ããñ ºãö‡ãŠ ‡ãñŠ ãä‡ãŠÔããè ‚ããä£ã‡ãŠãÀãè
´ãÀã ¾ãã „Ôã ªñÍã ‡ãŠãè ºããÖÀ Ôãñ ãä¶ã¾ãì‡ã‹¦ã ãä‡ãŠÔããè ¹ãŠ½ãà ´ãÀã
‡ãŠãè •ãã¦ããè Öõý
(Øã) ¹ãÆãä¦ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ããò, Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‚ããõÀ ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãè
¹ãƺãâ£ã¶ã ÊãñŒãã-¹ãÀãèàããý
ÌãÓãà ‡ãñŠ ªãõÀã¶ã 23 ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò/¹ãÆãä¦ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ããò/
‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã ‡ãŠãè ØãƒÃý
Ÿ.9 Ôã¦ã‡ãʦãã
ºãö‡ãŠ ½ãò Ôã¦ã‡ãʦãã ãäÌã¼ããØã ‡ãŠã ¹ãƽãìŒã ãäÌ㦦㠽ãâ¨ããÊã¾ã ‚ããõÀ ‡ãñŠ¶³ãè¾ã
Ôã¦ã‡ãʦãã ‚ãã¾ããñØã ‡ãŠãè ÔãÖ½ããä¦ã Ôãñ ãä¶ã¾ãì‡ã‹¦ã ½ã쌾ã Ôã¦ã‡ãʦãã ‚ããä£ã‡ãŠãÀãè
Öãñ¦ãã Öõ ý ¹ãƦ¾ãñ‡ãŠ Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã ½ãò Ôã¦ã‡ãʦãã ãäÌã¼ããØã
‡ãŠã ¹ãƽãìŒã „¹ã ½ãÖã¹ãƺãâ£ã‡ãŠ ‡ãŠãè Ñãñ¥ããè ‡ãŠã †‡ãŠ ÌããäÀÓŸ ‚ããä£ã‡ãŠãÀãè
Öãñ¦ãã Öõý ºãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ããò ½ãò •ããâÞã-¹ãü¡¦ããÊã, ‚ã¶ãìÍããÔããä¶ã‡ãŠ
‡ãŠãÀÃÌããƒÃ ½ãã½ãÊããò ‡ãŠãè •ãã¶ã‡ãŠãÀãè/¹ãðÓŸ¼ãîãä½ã ‚ããõÀ ãäÌãÔ¦ãð¦ã ‚ã¶ãì¼ãÌã
ÀŒã¶ãñ ÌããÊãñ ‚ããä£ã‡ãŠããäÀ¾ããò ‡ãŠãñ ƒÔã ãäÌã¼ããØã ½ãò ¹ãªÔ©ã ãä‡ãŠ¾ãã •ãã¦ãã
Öõý ¾ãÖ ãäÌã¼ããØã Ôã¦ã‡ãʦãã ‡ãñŠ ¦ããè¶ã ¹ãÆã©ããä½ã‡ãŠ ¹ãàããò, ‚ã©ããæã ãä¶ãÌããÀ¥ã,
Œããñ•ã ‚ããõÀ ª¥¡ ‡ãŠã ¹ã¾ãÃÌãñàã¥ã ‡ãŠÀ¦ãã Öõý ºãö‡ãŠ ½ãò £ããñŒãã£ãü¡ãè,
¼ãÆÓ›ãÞããÀ ‚ããõÀ ãäÌ㦦ããè¾ã ‚ããä¶ã¾ããä½ã¦ã¦ãã‚ããò ‡ãŠã ¹ãî¥ãæã¾ãã ¹ãÆãä¦ãÀãñ£ã
64
C64 K64
‡ãŠÀ¶ãñ ÌããÊããè ¶ããèãä¦ã Öõý ‡ãŠãÀ¹ããñÀñ› ÔãâÔ‡ãðŠãä¦ã ‡ãñŠ ‚ãâ¦ãØãæã `½ãìŒããäºãÀãò'
‡ãŠã „¦ÔããÖÌã£ãöã ãä‡ãŠ¾ãã •ãã¦ãã Öõý
¡. ̾ãÌãÔãã¾ã ‚ããÔãîÞã¶ãã ãäÌã¼ããØã
• ºãö‡ãŠ ½ãò ̾ãÌãÔãã¾ã ‚ããÔãîÞã¶ãã ãäÌã¼ããØã ãäÌããä¼ã¸ã ¹ãƾããñ‡ã‹¦ãã ãäÌã¼ããØããò ‚ããõÀ
̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò ‡ãŠãè ÔãîÞã¶ãã ‡ãŠãè ºãü¤¦ããè ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãñŠ
‚ã¶ãì¹ã ÔãîÞã¶ãã ‡ãŠã ãä¶ãÀâ¦ãÀ ‚ãã£ããÀ ¹ãÀ ‚ãã‡ãŠÊã¶ã, ‡ãŠãñãä›-„¸ã¾ã¶ã
‚ããõÀ ¹ããäÀÓ‡ãŠãÀ ‡ãŠÀ¦ãã Öõý ÔãîÞã¶ãã ½ãò ãä¶ã¥ãþã ÔãÖã¾ã¦ãã ‚ããõÀ
ÔããâãäÌããä£ã‡ãŠ ‚ã¹ãñàãã‚ããò ªãñ¶ããò ‡ãŠã £¾ãã¶ã ÀŒãã •ãã¦ãã Öõý ¡ã›ã
Ìãñ¾ãÀÖã„ãäÔãâØã ¹ãÆãñ•ãñ‡ã‹› ‡ãŠã ‡ãŠã¾ãà ¼ããè Ôãâ¦ããñÓã•ã¶ã‡ãŠ ¤âØã Ôãñ ÞãÊã
ÀÖã Öõý ƒÔã ¹ãÆãñ•ãñ‡ã‹› ‡ãŠãñ Ôã¼ããè ¹ãƇãŠãÀ ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãñŠ †‡ãŠÊã
Õããñ¦ã ‡ãñŠ ¹㠽ãò ¦ãõ¾ããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõý
¤. ØãÆãև㊠ÔãñÌãã †Ìãâ Ôãã½ãããä•ã‡ãŠ ÔãñÌãã ºãââõãå‡ãŠØã
¤.1 ØãÆãև㊠ÔãñÌãã
• ã䪶ããâ‡ãŠ 01 •ãìÊããƒÃ 2008 ‡ãŠãñ, ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãã ¶ã¾ãã ãäÌã•ã¶ã ‡ãŠ©ã¶ã
‚ã¶ããÌãð¦ã ãä‡ãŠ¾ãã Öõ ãä•ãÔã½ãò 1,40,000 Ôãñ ‚ããä£ã‡ãŠ „¶ã Ô›ã¹ãŠ
ÔãªÔ¾ããò ‡ãñŠ ãäÌãÞããÀãò ‡ãŠã ¹ããäÀÓ‡ãðŠ¦ã ÔããÀ Ôã½ãããäÌãÓ› Öõ ãä•ã¶Öãò¶ãñ ºãö‡ãŠ
‡ãñŠ ãä½ãÍã¶ã, ãäÌã•ã¶ã ‚ããõÀ ½ãîʾããò ‡ãŠãñ ¹ãì¶ã: ¹ããäÀ¼ãããäÓã¦ã ‡ãŠÀ¶ãñ ‡ãñŠ
ãäÊㆠ½ãã¶ãÌã ÔãâÔãã£ã¶ã ¹ãƺãâ£ã¶ã ãäÌã¼ããØã ´ãÀã Ôãâ‡ãŠãäʹã¦ã †Ìãâ ÔãâÞãããäÊã¦ã
†‡ãŠ ‚ã¶ãîŸñ ÔãÌãóàã¥ã ½ãò ¼ããØã ãäÊã¾ãã ©ããý „¦‡ãðŠÓ› ØãÆãև㊠ÔãñÌãã,
ãä•ãÔã‡ãñŠ ‚ãã£ããÀ ¹ãÀ Öãè ºãö‡ãŠ ¼ããäÌãӾ㠽ãò ‚ã¹ã¶ãã ‚ãØãÆ¥ããè Ô©ãã¶ã ‡ãŠã¾ã½ã
ÀŒã Ôã‡ãŠ¦ãã Öõ, ‡ãŠãè Þãì¶ããõãä¦ã¾ããò ‡ãŠãñ ãä•ã¶ã Ô›ã¹ãŠ ÔãªÔ¾ããò ¶ãñ Ôã½ã¢ãã
Öõ, „¶Öãò¶ãñ ƒÔã ‚ããä¼ã½ã¦ã ¹ãÀ ‚㦾ããä£ã‡ãŠ ºãÊã ã䪾ãã Öõ ãä‡ãŠ ºãö‡ãŠ
‡ãŠã ãäÌã•ã¶ã ½ã쌾ã ¹ã Ôãññ ØãÆãև㊠ÔãñÌãã ¹ãÀ ‡ãòŠã䳦ã Öãñ¶ãã ÞãããäÖ†ý
¾ãÖ ãäÌã•ã¶ã ‡ãŠ©ã¶ã Öõ-
`½ãñÀã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ,
½ãñÀã ØãÆãև㊠ÔãÌããó¹ããäÀý
½ãñÀã SBI : ØãÆãև㊠Ôãâ¦ãìãäÓ› ½ãò ¹ãÆ©ã½ãý'
ƒÔã½ãò Ö½ããÀñ Ô›ã¹ãŠ ‡ãñŠ „‡ã‹¦ã ãäÌãÞããÀ ‡ãŠãè Ô¹ãÓ› ¢ãÊã‡ãŠ ãä½ãÊã¦ããè
Öõý ¾ãÖ ºãö‡ãŠ ‡ãŠãè ¾ããñ•ã¶ãã‚ããò, Øããä¦ããäÌããä£ã¾ããò ‚ããõÀ ‡ãŠã¾ãöããèã¦ä ã¾ããò ‡ãñŠ
ãäÊㆠ½ããØãêÍãÇ㊠ÖãñØããý
• ºãö‡ãŠ ½ãò †‡ãŠ ÔãìÔ©ãããä¹ã¦ã ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã ¹ãÆ¥ããÊããè ãäÌã²ã½ãã¶ã Öõý
Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã ÌããÊãñ Ôã¼ããè ‡ãñŠ¶³ãò ½ãò ›ãñÊã ¹ãÆŠãè ÖñʹãÊãヶã
¶ã½ºãÀ „¹ãÊ㺣ã Öâõý „¦¹ã㪠Ôãâºãâ£ããè ¹ãã㜠‚ããõÀ ¹ãÆãõ²ããñãäØã‡ãŠãè Ôãñ
Ôãâºãâãäâ£ã¦ã ãäÌãÓã¾ããò ‡ãñŠ ãäÊㆠ†‡ãŠ ‚ãÊãØã 24x7 ÖñʹãÊãヶã ØãÆãÖ‡ãŠãò
‡ãñŠ ãäÊㆠԩãããä¹ã¦ã ‡ãŠãè ØãƒÃ Öõý ºããè¹ããè‚ããÀ ¹ãÖÊããò ‡ãñŠ ‚ãâ¦ãØãæã 24x7
û‡ãñŠ ‚ãã£ããÀ ¹ãÀ ØãÆãÖ‡ãŠãò ‡ãŠãñ „¦¹ã㪠Ôãâºãâ£ããè •ãã¶ã‡ãŠãÀãè ¹ãƪã¶ã ‡ãŠÀ¶ãñ
‚ããõÀ Œãã¦ãñ Ôãâºãâ£ããè ¹ãã㜠‡ãñŠ ãäÊㆠ›ãñÊã ¹ãÆŠãè ¶ã½ºãÀ ‡ãñŠ Ôãã©ã
†‡ãŠ Ôãâ¹ã‡ãÊ ‡ãñŠ¶³ ¼ããè Ô©ãããä¹ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý ¹ãƦ¾ãñ‡ãŠ ãä¦ã½ããÖãè
 portfolio. During the year, on-site Credit Audit
was conducted in 289 branches, covering 4624
accounts with aggregate exposures of
Rs.2,64,854 crores.
L.8.4 Management Audit
The Management Audit focusses on the
effectiveness of risk management in the processes
and the procedures followed in the Bank and uses
RBI Risk Profile Templates as the basis. The
Management Audit universe comprises
Corporate Centres Establishments; Circles/Zonal
Offices/On Locale Regional Offices/Regional
Business Offices; Associate Banks; Subsidiaries
(Domestic/Foreign); Joint Ventures (Domestic/
Foreign), Regional Rural Banks (RRBs)
sponsored by the Bank; Representative Offices
abroad and Exchange companies managed by
Bank. During the year, Management Audit was
conducted at 25 offices /establishments.
L.8.5 Foreign Offices Audit
I&MA Department supervises internal audit of all
foreign offices of the Bank, namely:
(a) Home Office Audit carried out by officials
identified by I&MA Department.
(b) Internal Audit conducted either by an official
of the Bank or by an outsourced firm of that
country, where foreign office is located.
(c) Management Audit of Representative Offices,
Joint Ventures and Subsidiaries.
During the year, 23 Foreign Offices/Representative
Offices / Subsidiaries were subjected to audit.
L.9 Vigilance
The Vigilance Department in the Bank is headed
by the Chief Vigilance Officer appointed with the
concurrence of the Ministry of Finance and
Central Vigilance Commission. At each Local
Head Office, the Vigilance Department is headed
by a senior official of the rank of Deputy General
Manager. The Department is manned by officers
having knowledge/background of investigation,
disciplinary action matters and extensive
experience in banking operations. The
Department oversees three primary aspects of
vigilance viz. prevention, detection and
65
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punishment. The Bank has a zero tolerance policy
for fraud, corruption and financial irregularities
and encourages “Whistle blowing” as a matter of
corporate culture.
M. BUSINESS INTELLIGENCE DEPARTMENT
• The Business Intelligence Department in the
Bank constantly assesses, upgrades and fine
tunes the growing information requirements of
various user departments and business units.
The information takes care of both decision
support as well as statutory requirements. The
Data Warehousing Project, designed to be a
single source for all data requirements, is also
progressing satisfactorily.
N. CUSTOMER SERVICE & COMMUNITY
SERVICES BANKING
N.1CUSTOMER SERVICE
• On July 01 2008, the Bank unveiled its new Vision
statement which contains the distilled essence of the
views of over 1,40,000 staff who participated in a
unique exercise conceptualized and conducted by
Human Resource Management Department to re-
define the Bank’s Mission, Vision and Values. The
staff, who displayed understanding of the challenges
of achieving excellent customer service which alone
will enable the Bank to continue to maintain its
leadership position in future, were overwhelmingly
of the opinion that the Bank’s vision should focus
primarily on customer service. The Vision statement-
‘My SBI,
My Customer first.
My SBI: First in customer satisfaction.’
appropriately reflects this view of our staff and
shall be the guiding principle for the Bank’s plans,
activities and strategies.
• The Bank has a well established grievances
redressal mechanism. Toll-free helpline numbers
are available at all LHO centres. For product
enquiries and technology related issues, a
dedicated 24x7 helpline is available to customers.
As a part of BPR initiatives, a Contact Centre has
been established with toll free number for
providing information on products and account
enquiries to customers on 24x7 basis.
 ½ãò ØãÆãև㊠ãäÍã‡ãŠã¾ã¦ããò ‡ãŠã ̾ãã¹ã‡ãŠ ãäÌãÍÊãñÓã¥ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ãä•ãÔãÔãñ
̾ãÌãÔ©ãã Ôãâºãâ£ããè †ñÔãñ Ôãã½ã㶾ã ãäÌãÓã¾ããò ‡ãŠã ¹ã¦ãã ÊãØãã¾ãã •ãã Ôã‡ãñŠ
ãä•ã¶ã½ãò Ôãì£ããÀ ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã Öõý
• ºããñ¡Ã ‡ãŠãè ØãÆãև㊠ÔãñÌãã Ôããä½ããä¦ã ¶ãñ ºãö‡ãŠ ‡ãŠãè ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã
¶ããèãä¦ã ‡ãŠãè ½ããÞãà 2009 ½ãò Ôã½ããèàãã ‡ãŠãè ‚ããõÀ ºãö‡ãŠ ‡ãŠãè ¶ãƒÃ
ÔãâØ㟶ã㦽ã‡ãŠ ÔãâÀÞã¶ãã ‡ãñŠ ‚ã¶ãì¹ã ÔãâÍããñã£ä ã¦ã ¶ããèã¦ä ã ‚ã¶ãì½ããñãªä ¦ã ‡ãŠãè
‚ããõÀ ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã Ôãâºãâ£ããè ‚ã¶ãìªÍñ ã •ããÀãè ãä‡ãŠ†ý
¤.2 Ôãã½ãããä•ã‡ãŠ ÔãñÌãã ºãöãä‡ãâŠØã
• Ôãã½ã㶾㠺ãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ããò ‡ãñŠ ‚ãÊããÌãã, ºãö‡ãŠ †‡ãŠ ãä•ã½½ãñªãÀ †Ìãâ
•ãºããÌãªñÖ ‡ãŠãÀ¹ããñÀñ› ¶ããØããäÀ‡ãŠ ‡ãñŠ ¹㠽ãò ‚ã¹ã¶ãñ Êãã¼ã ‡ãŠñ ‡ã슜
¼ããØã ‡ãŠã Ôã½ãã•ã ‡ãñŠ ãä¶ã£ãöã, „¹ãñãäàã¦ã, ‡ãŠ½ã•ããñÀ ‚ããõÀ ãä¶ãÞãÊãñ ÌãØããô
‡ãŠã •ããèÌã¶ã Ô¦ãÀ ºãñÖ¦ãÀ ºã¶ãã¶ãñ ‡ãñŠ ãäÊㆠãäÌããä¼ã¸ã Ôã½ãã•ã ‡ãŠÊ¾ãã¥ã
¹ããäÀ¾ããñ•ã¶ãã‚ããò ½ãò ¹ãì¶ããä¶ãÃÌãñÍã ‡ãŠÀ¦ãã Öõý
• ãäÌ㦦ããè¾ã ÌãÓãà 2008-09 ½ãò ºãö‡ãŠ ¶ãñ ØãõÀ-ÔãÀ‡ãŠãÀãè ÔãâØ㟶ããò/
¶¾ãããäÔã¾ããò/ÔããñÔãã¾ãã䛾ããò ‡ãŠãñ Ôã½ãã•ããñ¶½ãìŒã ¹ããäÀ¾ããñ•ã¶ãã‚ããò ‡ãñŠ ãäÊã†
‚ããõÀ ãäºãÖãÀ ºããü¤ ¨ããÔãªãè ÔããäÖ¦ã Àã֦㠹㊥¡ãò ½ãò ¼ããè ‡ãìŠÊã
Á. 8.76 ‡ãŠÀãñü¡ ‡ãñŠ ªã¶ã ÔãâÔÌããè‡ãðŠ¦ã ãä‡ãŠ† Ööý
• †Ôãºããè‚ãム½ããäÖÊãã ‡ã‹Êãºã ´ãÀã ¦ãõ¾ããÀ ‡ãŠãè ØãƒÃ ºãããäÊã‡ãŠã Øããñª Êãñ¶ãñ
‡ãŠãè †‡ãŠ ‚ããä¼ã¶ãÌã ¾ããñ•ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæã, ªñÍã ¼ãÀ ½ãò ãäÌããä¼ã¸ã
ÍããŒãã‚ããò ´ãÀã 15,300 Ôãñ ‚ããä£ã‡ãŠ ØãÀãèºã †Ìãâ ‚ã¶ãã©ã ºãããäÊã‡ãŠã‚ããò
‡ãŠãñ Øããñª ãäÊã¾ãã Øã¾ãã, ãä•ãÔãÔãñ „¶ã‡ãñŠ ãäÍãàãã ŒãÞããô ‡ãŠãñ ¹ãîÀã ãä‡ãŠ¾ãã
•ãã Ôã‡ãñŠý ‡ã‹Êãºã ÔãªÔ¾ãã†â Øããñª Êããè ØãƒÃ ºãããäÊã‡ãŠã‚ããò ‡ãŠãñ ̾ããä‡ã‹¦ãØã¦ã
¹ã Ôãñ ¼ããè ¹ãÀã½ãÍãà ªñ¦ããè Ööý
• ¾ãÖ †‡ãŠ ØãÌãà ‡ãŠã ãäÌãÓã¾ã Öõ ãä‡ãŠ ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã ØãÆã½ããè¥ã Ôã½ãã•ã
‡ãŠñ ãäÌã‡ãŠãÔã ‡ãñŠ ãäÊㆠãä‡ãŠ† Øㆠ¾ããñØãªã¶ã ‡ãŠãñ ÔÌããè‡ãŠãÀ ‡ãŠÀ¦ãñ Öì†
ºãö‡ãŠ ‡ãŠãñ Àãè¡Ôãà ¡ãƒ•ãñÔ› ´ãÀã ‚ã¹ã¶ãã `¹ãñØããÔãÔã ÔãÌãÃÑãñÓŸ ‡ãŠãÀ¹ããñÀ›ñ
Ôãã½ãããä•ã‡ãŠ ªããä¾ã¦Ìã ãä¶ãÌããÃև㊦ããà ¹ãìÀÔ‡ãŠãÀ-2007 ã䪾ãã Øã¾ããý
• ‚ã¶ãìÔãâ£ãã¶ã †Ìãâ ãäÌã‡ãŠãÔã ãä¶ããä£ã Ôãñ, ºãö‡ãŠ ¶ãñ ¼ããÀ¦ããè¾ã ãäÀ•û ãÌãà ºãö‡ãŠ ‡ãŠãè ÔãÖ¼ãããäØã¦ãã
Ôãñ Êã⪶ã Ô‡ãîŠÊã ‚ãã¹ãŠ ƒ‡ã‹¶ãããä½ã‡ã‹Ôã ‡ãñŠ †ãäÍã¾ãã ‚ã¶ãìÔãâ£ãã¶ã ‡ãñŠ¶³ ½ãò †‡ãŠ
¼ããÀ¦ããè¾ã ¹ãÆàñ ããØãðÖ ‚ããõÀ ‚ããƒ.•ããè. ¹ã›ñÊã ¹ããèŸ ‡ãŠã ‡ãŠã¾ãà Ôãâ¹ã¸ã ‡ãŠÀ¶ãñ ‡ãñŠ
ãäÊㆠ1,00,000 ¹ããõ¥¡ Ô›ãäÊãÄØã ¹ãƪã¶ã ãä‡ãŠ†ý
• ºãö‡ãŠ ¶ãñ ¹ãÆãä¦ããäÓŸ¦ã ƒâã䡾ã¶ã Ô‡ãîŠÊã ‚ããù¹ãŠ ãäºã•ã¶ãñÔã, ÖõªÀãºã㪠½ãò
`ÔãÀ‡ãŠãÀãè ¶ãñ¦ãð¦Ìã ‡ãñŠ ãäÊㆠ†Ôãºããè‚ãム‡ãŠàã' ¶ãã½ã‡ãŠ †‡ãŠ ãäÌãÍãñÓã
‡ãŠàã Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãã ¼ããè ÔÌããè‡ãŠãÀ ãä‡ãŠ¾ãã Öõý ƒÔã Ôã½ã¾ã ¾ãÖ Ô‡ãîŠÊã
ãäÌãÍÌã ¼ãÀ ‡ãñŠ ̾ãÌãÔãã¾ã Ô‡ãîŠÊããò ½ãò 15Ìãò Ô©ãã¶ã ¹ãÀ Öõý ƒÔã ‡ãŠàã
‡ãŠã ¼ããÀ¦ã ½ãò ‡ãŠã¾ãÃÀ¦ã ÔãÀ‡ãŠãÀãè àãñ¨ã ‡ãñŠ „¹ã‰ãŠ½ããò ‡ãñŠ ãäÊㆠãäÌãÍãñÓã
¹ã Ôãñ ÔãÀ‡ãŠãÀãè àãñ¨ã ½ãò ¶ãñ¦ãð¦Ìã ‡ãŠã ãäÌã‡ãŠãÔã ‡ãŠÀ¶ãñ ‡ãñŠ àãñ¨ã ½ãò
‚ã¶ãìÔãâ£ãã¶ã ‡ãŠã¾ãà Íãì ‡ãŠÀ¶ãñ ‡ãŠã ¹ãÆÔ¦ããÌã Öõý ¹ãÆÔ¦ãããäÌã¦ã ¹ããäÀ¾ããñ•ã¶ãã
Ôãñ ¶ã ‡ãñŠÌãÊã ºãö‡ãŠ ‡ãŠãè ¹ãÆã¦ä ãÓŸã ½ãò Ìãðã®
ä ÖãñØããè ‚ããä¹ã¦ãì ¾ãÖ ÔãÀ‡ãŠãÀãè
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àãñ¨ã ‡ãñŠ ÔãâØ㟶ããò ‡ãñŠ ãäÊㆠ¼ããÌããè ¶ãñ¦ãð¦Ìã ‚ããõÀ ‡ãŠãÀØãÀ ¹ããäÀÌã¦ãöã
‡ãñŠ ½ãã¶ã‡ãŠ ¼ããè Ô©ãããä¹ã¦ã ‡ãŠÀ ¹ãã†Øããý
ãäÌããäÌã£ã
¥ã ‡ãŠãÀ¹ããñÀñ› Ôãâ¹ãÆñÓã¥ã †Ìãâ ¹ããäÀÌã¦ãöã
¦ã ÔãâØ㟶ã㦽ã‡ãŠ ¾ããñ•ã¶ãã
©ã ÔãîÞã¶ãã ‡ãŠã ‚ããä£ã‡ãŠãÀ ‚ããä£ããä¶ã¾ã½ã
(‚ããÀ›ãè‚ãム‚ããä£ããä¶ã¾ã½ã, 2005)
ª ½ãã¶ãÌã ÔãâÔãã£ã¶ã
£ã ̾ãÌãÔãã¾ã ¹ãÆãä‰ãŠ¾ãã ¹ãì¶ããäÌãö¾ããÔã
¶ã Àã•ã¼ããÓãã ãäÌã¼ããØã
¹ã ºãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã ãäÌã¼ããØã
¥ã. ‡ãŠãÀ¹ããñÀñ› Ôãâ¹ãÆñÓã¥ã †Ìãâ ¹ããäÀÌã¦ãöã
• ¹ããäÀÌã¦ãöã, Ôã½ãããäÌãÓ›¦ãã ‚ããõÀ ÔãÍããä‡ã‹¦ã‡ãŠÀ¥ã ‡ãŠã ÔãâªÍñ ã ¹ãÆÔãããäÀ¦ã ‡ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ`¹ããäÀÌã¦ãöã' ¶ãã½ã Ôãñ †‡ãŠ ̾ãã¹ã‡ãŠ ‚ããâ¦ããäÀ‡ãŠ Ôãâ¹ãÆÓñ ã¥ã ‡ãŠã¾ãÉ㊽ã
ãä¹ãœÊãñ ÌãÓãà 1,30,000 Ôãñ ‚ããä£ã‡ãŠ ‚ããä£ã‡ãŠããäÀ¾ããò †Ìãâ ãäÊããä¹ã‡ãŠãò ‡ãñŠ
ãäÊㆠ‚ãã¾ããñã•ä ã¦ã ãä‡ãŠ¾ãã Øã¾ãã ©ããý ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ƒÔã ‡ãŠã¾ãÉ㊽ã
½ãò ÔãâÍããñ£ã¶ã ãä‡ãŠ¾ãã Øã¾ãã ‚ããõÀ ƒÔãñ ãä¹ãŠÀ Ôãñ ¦ãõ¾ããÀ ‡ãŠÀ‡ãñŠ `¹ããäÀÌã¦ãöã
II' ¶ãã½ã Ôãñ ‚ãã¾ããñã•ä ã¦ã ãä‡ãŠ¾ãã Øã¾ããý ƒÔã½ãò 44,000 Ôãñ ‚ããä£ã‡ãŠ
‚ã£ããè¶ãÔ©ã Ô›ã¹ãŠ - ¡ÈãƒÌãÀ, Øãã¡Ã, ãäÊã¹ã‹›½ãñ¶ã, ÔãâªÍñ ãÌããև㊠‚ãããäª
¶ãñ ÔãÖ¼ãããäØã¦ãã ‡ãŠãèý 50 ã䪶ããò ‡ãŠãè ‚ãʹ㠂ãÌããä£ã ½ãò 1000 Ôãñ ‚ããä£ã‡ãŠ
‡ãŠã¾ãÃÍããÊãã†â ‚ãã¾ããñã•ä ã¦ã ‡ãŠãè ØãƒâýÃ
• ƒÔããè ºããèÞã, Ôã¼ããè ÔãÖ¾ããñØããè ºãö‡ãŠãò ½ãò ¼ããè ¹ããäÀÌã¦ãöã-I Ôãã©ã-Ôãã©ã
‚ãã¾ããñã•ä ã¦ã ãä‡ãŠ¾ãã Øã¾ããý ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãñŠ
‚ã¶ãì¹㠃Ôã‡ãŠãè ¹ãÀñŒãã ½ãò ÔãâÍããñ£ã¶ã ãä‡ãŠ† Øã†ý ƒÔã½ãò ‡ãìŠÊã-
ãä½ãÊãã‡ãŠÀ, ÊãØã¼ãØã 1400 ªãñ ãäªÌãÔããè¾ã ‡ãŠã¾ãÃÍããÊãã‚ããò ½ãò Ôã¼ããè
ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãñŠ ãäÊããä¹ã‡ãŠãò Ôãñ Êãñ‡ãŠÀ ÌããäÀÓŸ ¹ãƺãâ£ã¶ã ¦ã‡ãŠ 53,000
Ôãñ ‚ããä£ã‡ãŠ Ô›ã¹ãŠ ÔãªÔ¾ããò ¶ãñ ÔãÖ¼ãããäØã¦ãã ‡ãŠãèý Ôã¼ããè ÔãÖ¾ããñØããè ºãö‡ãŠãò
‡ãñŠ ÍããèÓãà ¹ãƺãâ£ã¶ã ‚ããõÀ ¾ãîã¶ä ã¾ã¶ã †Ìãâ †ÔããñãÔä ã†Íã¶ã ‡ãñŠ ÍããèÓãà ¶ãñ¦ãð¦Ìã
‡ãñŠ ãäÊㆠ¼ããè ªãñ ãäªÌãÔããè¾ã ãäÌãÍãñÓã ‡ãŠã¾ãÃÍããÊãã†â ‚ãã¾ããñã•ä ã¦ã ‡ãŠãè ØãƒÃâ
ãä•ãÔãÔãñ „¶Öò ‚ã¹ã¶ãñ ‚ã¹ã¶ãñ ºãö‡ãŠ ‡ãŠãè ºãöã‡ä ãâŠØã „²ããñØã ½ãò ãäÔ©ããä¦ã ‚ããõÀ
¹ããäÀÌã¦ãö㠇ãŠãè ‚ããÌã;ã‡ãŠ¦ãã ‡ãñŠ ¹ãÆã¦ä ã ÔãâÌãñª¶ãÍããèÊã ºã¶ãã¾ãã •ãã Ôã‡ãñŠý
• ºãö‡ãŠ ½ãò ‚ã¶ãñ‡ãŠ ØãõÀ-̾ããÌãÔãããä¾ã‡ãŠ ½ãã¶ãÌã ÔãâÔãã£ã¶ã ¹ãÖÊã ‡ãŠãè ØãƒÄ
‚ããõÀ „¶ã‡ãŠãè ¹ãÆØããä¦ã ¹ãÀ ãä¶ãØãÀã¶ããè ÀŒããè ØãƒÃ, ¦ãããä‡ãŠ ºãö‡ãŠ ½ãò
ŒãìÊããè,Ôãã½ãîãäև㊠‡ãŠã¾ãà ÔãâÔ‡ãðŠãä¦ã ãäÌã‡ãŠãäÔã¦ã ‡ãŠãè •ãã Ôã‡ãñŠý ƒ¶ã ¹ãÖÊããò
½ãò ÞãÊã Ìãõ•ã¾ãâ¦ããè, Ôã½½ãã¶ã ÔÌã¹ã Àããä¨ã¼ããñ•ã ‡ãŠã ‚ãã¾ããñ•ã¶ã, ½ããÖ
‡ãñŠ ÔãÌãÃÑãñÓŸ ‡ãŠ½ãÃÞããÀãè ‡ãŠã Þã¾ã¶ã, ÔãÌãÃÑãñÓŸ àãñ¨ããè¾ã ¹ãƺãâ£ã‡ãŠ ‡ãŠã
Ôã½½ãã¶ã, ¹ãÆãñ¦ÔããÖ¶ã ÀããäÍã ‡ãŠã ¼ãìØã¦ãã¶ã, ¾ãîãä¶ã¾ã¶ã †Ìãâ †ÔããñãäÔã†Íã¶ã
¶ãñ¦ãã‚ããò ‡ãñŠ Ôãã©ã ¶ãØãÀ ºãõŸ‡ãŠãò, ½ã¥¡Êã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‡ãñŠ Ôãã©ã
Ôã¼ããè Ô›ã¹ãŠ ‡ãŠñ ŒãìÊãñ ÞãÞããà Ôã¨ã ‚ãããäª ‚ãã¾ããñãä•ã¦ã ãä‡ãŠ† Øã†ý
 A comprehensive analysis of customer grievances
is done every quarter to identify common systemic
issues that need rectification.
• The Customer Service Committee of the Board
reviewed the Bank’s Grievances Redressal Policy
in March 2009 and approved revised policy
incorporating the Bank’s new organizational
structure and instructions on grievances redressal.
N.2COMMUNITY SERVICES BANKING
• Apart from the normal banking operations, the
Bank, as a responsible and responsive corporate
citizen, seeks to reinvest part of its profit in
various community welfare projects to improve
the quality of the life of the poor, neglected,
weaker and downtrodden sections of society.
• In the financial year 2008-09, the Bank sanctioned
donations amounting to Rs.8.76 crores to various
NGOs/Trusts/Societies for their projects with
social orientation and also to Relief Funds
including the Bihar Flood tragedy.
• Under a novel scheme of Adoption of Girl
Children designed by the SBI Ladies Club, over
15,300 poor and destitute girl children were
adopted by various branches throughout the
country to meet their education expenses. The
Club members also personally mentor the
children adopted.
• It was a matter of pride that during the current
year, the Bank was awarded Reader’s Digest
“Pegasus Corporate Social Responsibility Award
2007” in recognition of its contribution towards
Rural Community Development.
• From the Research & Development Fund, the Bank
extended 100000 Pound Sterling towards the
functioning of an India Observatory and I.G.Patel
Chair at the Asia Research Centre of London
School of Economics, in participation with RBI.
• The Bank also approved setting up of a special
cell named “SBI Cell for Public Leadership” in
the prestigious Indian School of Business,
Hyderabad – which is currently ranked 15th
among Global B Schools. The Cell proposes to
undertake research in the area of Leadership in
Public Sector with special reference to PSUs
functioning in India. The proposed project will
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not only add to the prestige of the Bank but also
set the standards for holistic leadership and
effective change for public sector organizations.
Miscellaneous
O Corporate Communication & Change
P Organisational Planning
Q Right to Information Act (RTI Act 2005)
R Human Resources
S Business Process Re-engineering
T Official Language Department
U Banking Operations Department
O. CORPORATE COMMUNICATION & CHANGE
• During the current year, the Mass Internal
Communication Programme named “Parivartan” -
which was rolled out to over 130,000 officers and
clerks last year - was modified, specially
re-designed, and rolled out across the Bank as
“Parivartan II” to cover 44,000 subordinate staff
including drivers, guards, liftmen, messengers,
etc. spreading the message of change,
inclusiveness and empowerment. Over 1000
workshops were held in a record 50 days.
• Meanwhile, Parivartan-I was simultaneously rolled
out in all Associate Banks after modifying the
design to make it Associate Bank specific. In all,
over 53000 employees from clerks to senior
management were covered in all Associate Banks
in about 1400 two day workshops. Special two day
workshops were held for the Top Management as
well as the Top Union and Association leaders of
all Associate Banks creating an awareness of their
respective banks vis-a-vis the market and also
sensitizing them on the need for change.
• A series of non business HR initiatives were
introduced and monitored in the Bank to bring
about an open, inclusive work culture such as
introduction of rolling shields, recognition
dinners, Best Employee of the Month, Best RM,
monetary incentives, inclusive Town Hall
meetings with Union and Association leaders,
Open House hours for all staff with Circle
Management Committee (CMC), etc.
• ¹ããäÀÌã¦ãö㠹ãÆãä‰ãŠ¾ãã ‡ãñŠ ‚ãâ¦ãØãæ㠺ãö‡ãŠ ½ãò ¶ã† ¹ãªãñ¸ã¦ã „¹ã ½ãÖã¹ãƺãâ£ã‡ãŠãò
‡ãñŠ Ôãã©ã ãäÌãÍãñÓã ¹ã Ôãñ ̾ãã¹ã‡ãŠ ãäÞãâ¦ã¶ã-½ã¶ã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†
¹ããâÞã ãäªÌãÔããè¾ã Ôã½½ãñÊã¶ã ‚ãã¾ããñãä•ã¦ã ãä‡ãŠ† Øã†ý
• Ôã¼ããè ½ã¥¡Êããò ‡ãñŠ Ôãã©ã ‡ãŠãÀ¹ããñÀñ› Ìããèã䡾ããñ ãä‡ã‹Êã¹ããò ‡ãñŠ ½ã㣾ã½ã
Ôãñ ½ã¥¡Êããò ‡ãñŠ ºããèÞã ÑãñÓŸ ¹ãÆ©ãã‚ããò ‡ãŠã ‚ããªã¶ã-¹ãƪã¶ã ‡ãŠÀ‡ãñŠ ºãö‡ãŠ
½ãò ‚ããâ¦ããäÀ‡ãŠ Ôãâ¹ãÆñÓã¥ã ̾ãÌãÔ©ãã ‡ãŠãñ ÔãìÒü¤ ºã¶ãã¾ãã Øã¾ããý ‡ãŠã¾ãÃ
ÔãâÔ‡ãðŠãä¦ã ½ãò ¹ããäÀÌã¦ãöã Êãã¶ãñ ‡ãŠãè ÒãäÓ› Ôãñ ¹ãƽãìŒã Ô©ãã¶ããò ¹ãÀ ¹ÊããÔ½ãã
›ãèÌããè ‡ãñŠ ½ã㣾ã½ã Ôãñ Ñã̾ã-Ò;㠂ããä¼ã¾ãã¶ã ÞãÊãㆠØã†ý
• `ãäÔã›ãè•ã¶ã †Ôãºããè‚ããƒ' ‡ãñŠ ¶ãã½ã Ôãñ †‡ãŠ ¶ã† ½ãÖ¦Ìãã‡ãŠãâàããè
¹ããäÀÌã¦ãö㠇ãŠã¾ãÉ㊽㠹ãÀ ¼ããè ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ãŠã¾ãà ¹ãÆãÀâ¼ã ‡ãŠÀ ã䪾ãã
Øã¾ããý ¾ãÖ ‡ãŠã¾ãÉ㊽㠂ãØãÊãñ ªãñ ÌãÓããòà ½ãò ‚ãã¾ããñãä•ã¦ã ãä‡ãŠ¾ãã •ãã†Øããý
ƒÔã½ãò ÔãâØ㟶㠇ãñŠ ¼ããè¦ãÀ ½ãã¶ãÌã ÔãâÔãã£ã¶ã ¹ãÆ¥ãããäÊã¾ããò ‡ãñŠ ½ã㣾ã½ã
Ôãñ ªîÀØãã½ããè, ºãÖìÔ¦ãÀãè¾ã ÒãäÓ›‡ãŠãñ¥ã ¹ããäÀÌã¦ãö㠆Ìãâ ‡ãŠã¾ãã‡ãŠÊ¹ã ‡ãŠÀ¶ãñ
‡ãŠãè ‚ããä¼ã‡ãŠÊ¹ã¶ãã ‡ãŠãè ØãƒÃ Öõý
¦ã. ÔãâØ㟶ã㦽ã‡ãŠ ¾ããñ•ã¶ãã
ÔãâØ㟶ã㦽ã‡ãŠ ¹ããäÀÌã¦ãöã: ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãä¶ã½¶ããäÊããäŒã¦ã ½ãÖ¦Ìã¹ãî¥ãÃ
ÔãâØ㟶ã㦽ã‡ãŠ ¹ããäÀÌã¦ãöã ãä‡ãŠ† Øã†:
• „¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ
‚ã¶ãìÓãâØããè) ‡ãñŠ ¹ãª ‡ãŠã ª•ããà ºãü¤ã‡ãŠÀ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ
Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâØããè) ‡ãŠÀ ã䪾ãã Øã¾ããý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ‚ããõÀ ÍããèÜãƦãã Ôãñ ‡ãŠã¾ãà Ôãâ¹ã¸ã ‡ãŠÀ¶ãñ ‚ããõÀ
‡ãŠã¾ãÃàã½ã¦ãã ½ãò Ìãðãä® ‡ãŠÀ¶ãñ ¦ã©ãã ØãÆãև㊠ÔãñÌãã ½ãò Ôãì£ããÀ Êãã¶ãñ
‡ãŠãè ÒãäÓ› Ôãñ, ½ããù¡¿ãîÊããò ‡ãŠãñ Ôã½ã㹦㠇ãŠÀ‡ãñŠ ÔãâØ㟶ã㦽ã‡ãŠ
ÔãâÀÞã¶ãã ½ãò Ô¦ãÀãò ‡ãŠãè Ôã⌾ã㠇㊽㠇ãŠãè ØãƒÃý ¶ãƒÃà ÔãâÀÞã¶ãã
‡ãñŠ ‚ã¶ãìÔããÀ ‡ã슜 ¶ã† ¹ãªãò ‡ãŠã Ôãð•ã¶ã ãä‡ãŠ¾ãã Øã¾ããý
©ã. ÔãîÞã¶ãã ‡ãŠã ‚ããä£ã‡ãŠãÀ ‚ããä£ããä¶ã¾ã½ã, 2005 (‚ããÀ ›ãè ‚ããƒ
‚ããä£ããä¶ã¾ã½ã 2005)
• ÔãîÞã¶ãã ‡ãŠã ‚ããä£ã‡ãŠãÀ ‚ããä£ããä¶ã¾ã½ã, 2005 ‡ãñŠ ‚ãâ¦ãØãæ㠂ããÌãñª¶ããò †Ìãâ
‚ã¹ããèÊããò ‡ãŠã ãä¶ã¹ã›ã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÍããŒãã‚ããò/¹ãÆÍããÔããä¶ã‡ãŠ ‡ãŠã¾ããÃÊã¾ããò/
àãñ¨ããè¾ã ̾ãÌãÔãã¾ã ‡ãŠã¾ããÃÊã¾ããò/Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ããò ½ãò „¹ã¾ãì‡ã‹¦ã
ÔãâÀÞã¶ãã ÊããØãî ‡ãŠãè ØãƒÃý ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, ƒÔã ‚ããä£ããä¶ã¾ã½ã ‡ãñŠ ‚ãâ¦ãØãæã
ãäÌããä¼ã¸ã ãäÌãÓã¾ããò ‡ãŠã ãä¶ã¹ã›ã¶ã ‡ãŠÀ¶ãñ †Ìãâ „¶ã½ãò Ôã½ã¶Ìã¾ã Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ‡ãŠãÀ¹ããñÀ›ñ ‡ãñŠ¶³ ½ãò ‚ãÊãØã Ôãñ ÔãîÞã¶ãã ‡ãŠã ‚ããä£ã‡ãŠãÀ ãäÌã¼ããØã
ºã¶ãã¾ãã Øã¾ããý •ã¶ã¦ãã ‡ãŠãè ÔãìãÌä ã£ãã ‡ãñŠ ãäÊã†, ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ÌãñºãÔãホ
½ãò †‡ãŠ ‚ããÀ›ãè‚ãムãäÊãâ‡ãŠ ¼ããè ã䪾ãã Öõý
ª. ½ãã¶ãÌã ÔãâÔãã£ã¶ã
—ãã¶ãã•ãö㠆Ìãâ ãäÌã‡ãŠãÔã
• ºãñÖ¦ãÀ ‡ãŠã¾ãà ãä¶ãÓ¹ã㪶㠇ãñŠ ãäÊㆠ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ „¦Ôãããä֦㠆Ìãâ
¹ãÆãñ¦Ôãããä֦㠇ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ´ãÀã ‚ã¶ãñ‡ãŠ ½ãÖ¦Ìã¹ãî¥ãà ¹ãÖÊãò ‡ãŠãè
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ØãƒÃâ ãä•ãÔãÔãñ ºãö‡ãŠ ‡ãŠãè ãäÌã‡ãŠãÔã ¾ããñ•ã¶ãã‚ããò ‡ãñŠ Êãà¾ããò ‡ãŠãè ¹ãÆãã书ã
‡ãŠãè •ãã Ôã‡ãñŠý
• `¼ããÌããè ¶ãñ¦ãð¦Ìã' ¶ãã½ã‡ãŠ †‡ãŠ ‚ããä¼ã¶ãÌã ¹ãƾããÔã ¹ãÆãÀâ¼ã ãä‡ãŠ¾ãã Øã¾ãã
ãä•ãÔã‡ãñŠ ‚ãâ¦ãØãæã Ô‡ãñŠÊã - IV ‡ãñŠ Ô¦ãÀ Ôãñ Êãñ‡ãŠÀ ½ãÖã¹ãƺãâ£ã‡ãŠ
‡ãñŠ Ô¦ãÀ ¦ã‡ãŠ ‡ãñŠ ‚ããä£ã‡ãŠããäÀ¾ããò ‡ãŠãñ ¼ããäÌãӾ㠽ãò ‡ãìŠÍãÊã ¶ãñ¦ãð¦Ìã ¹ãƪã¶ã
‡ãŠÀ¶ãñ ‡ãñŠ „ªáªñ;ã Ôãñ ¦ãõ¾ããÀ ãä‡ãŠ¾ãã •ãã†Øããý ƒÔã ¹ãƾããñ•ã¶ã Öñ¦ãì
ƒâã䡾ã¶ã Ô‡ãîŠÊã ‚ãã¹ãŠ ãäºã•ã¶ãñÔã/¡¿ãî‡ãŠ ãäÌãÍÌããäÌã²ããÊã¾ã/¼ããÀ¦ããè¾ã
¹ãƺãâ£ã ÔãâÔ©ãã¶ããò •ãõÔããè ¹ãÆãä¦ããäÓŸ¦ã ÔãâÔ©ãã‚ããò ‡ãŠãè ÔãñÌãã†â ¹ãÆ㹦㠇ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ‚ã¶ãìºãâ£ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
• ÌãÔãîÊããè †•ãò›ãò ‡ãŠãñ ¹ãÆãÍä ãàã¥ã ªñ¶ãñ ‡ãŠãè ‚ããä¶ãÌãã¾ãæãã ‡ãŠãñ ªñŒã¦ãñ Öì†, ºãö‡ãŠ
¶ãñ ãä‡ãŠÔããè †‡ãŠ ¹ãÆãÍä ãàã¥ã ÔãâÔ©ãã¶ã Ôãñ ÌãÔãîÊããè †•ãò›ãò ´ãÀã ¹ãÆ㹦㠨ãÉ¥ã
ÌãÔãîÊããè ¹ãÆãÍä ãàã¥ã ‡ãŠãñ ½ã㶾ã¦ãã ªñ¶ãñ ‡ãñŠ ãäÊㆠ¹ãƾããÔã Íãì ‡ãŠÀ ã䪆 Öö
ãä•ãÔãÔãñ ¼ããäÌãӾ㠽ãò ƒ¶ã‡ãŠãè ‚ããÔãã¶ããè Ôãñ ãä¶ã¾ãìã‡ä ㋦ã¾ããú ‡ãŠãè •ãã Ôã‡ãòŠý
‡ãŠããä½ãÇ㊠¹ãƺãâ£ã¶ã
• ºãö‡ãŠ ‡ãŠãè ãä¶ãÓ¹ã㪶ã Ôãâºã® ¹ãÆãñ¦Ôããֶ㠾ããñ•ã¶ãã ‡ãŠã ãäÌãÔ¦ããÀ ãä‡ãŠ¾ãã
Øã¾ãã ãä•ãÔãÔãñ ‡ãŠ½ãÃÞãããäÀ¾ããò ½ãò ãä½ãÊã‡ãŠÀ ‡ãŠã¾ãà ‡ãŠÀ¶ãñ ‡ãŠãè ¼ããÌã¶ãã
ãäÌã‡ãŠãäÔã¦ã Öãñ ‚ããõÀ „¶Öò ØãÆãև㊠ÔãñÌãã ½ãò „¦‡ãðŠÓ›¦ãã ¹ãÆ㹦㠇ãŠÀ¶ãñ
‡ãñŠ ãäÊㆠ¹ãÆñãäÀ¦ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý ƒÔãÔãñ ºãö‡ãŠ ‡ãŠãñ ¶ã† ̾ãÌãÔãã¾ã
‚ãÌãÔãÀãò ‡ãŠã Êãã¼ã „Ÿã¶ãñ ‚ããõÀ ‚ã¹ã¶ããè ãäÌã‡ãŠãÔã ¾ããñ•ã¶ãã‚ããò ‡ãñŠ Êãà¾ããò
‡ãŠãè ¹ãÆãã书㠽ãò ¼ããè ½ãªª ãä½ãÊããèý
• ¹ãÆãä¦ãÔ¹ã£ããà ‡ãŠã Ôãã½ã¶ãã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãŠãè ºãü¤¦ããè ‚ããÌã;ã‡ãŠ¦ãã‚ããò
¹ãÀ £¾ãã¶ã ‡ãòŠã䳦㠇ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÞãã›Ã¡Ã ‚ã‡ãŠã„â›ò›, ãäÌããä£ã
‚ããä£ã‡ãŠãÀãè, Ôããâã䌾ã‡ãŠãò, ‚ã©ãÃÍãããäÔ¨ã¾ããò, ØãÆãև㊠Ôãâºãâ£ã ãä¶ãÓ¹ã㪇ãŠãò,
¨ãÉ¥ã ãäÌãÍÊãñÓã‡ãŠãò •ãõÔãñ ãäÌãÍãñÓã—ããò ‡ãŠãè ‡ã⊹ã¶ããè ÊããØã¦ã ¹ãÀ ‚ã¶ãìºãâ£ã
‚ãã£ãããäÀ¦ã ãä¶ã¾ãìãä‡ã‹¦ã ‡ãŠÀ¶ãã Íãì ãä‡ãŠ¾ãã Øã¾ãã Öõý
• ºãö‡ãŠ ¶ãñ 01 ½ãƒÃ 2005 ‡ãŠãè ¹ãîÌãà ¹ãƼããÌããè ãä¦ããä©ã Ôãñ ºãö‡ãŠ ‡ãñŠ ¹ãããäÀÌãããäÀ‡ãŠ
¹ãòÍã¶ãÀãò ‡ãñŠ ãäÊㆠ¹ãããäÀÌãããäÀ‡ãŠ ¹ãòÍã¶ã ¾ããñ•ã¶ãã ‡ãŠãñ ÔãâÍããñãä£ã¦ã ãä‡ãŠ¾ãã Öõý
• ¹ãòÍã¶ã ãä¶ããä£ã ‡ãŠãñ ¶¾ããÔããè ºããñ¡Ã Ôãñ ‚ããÌã;ã‡ãŠ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦㠇ãŠÀ¶ãñ
‡ãñŠ ºã㪠ºãö‡ãŠ ‡ãŠãè ªñ¾ã¦ãã Ôãñ ‚ãÊãØã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõý ºãñÖ¦ãÀ
¹ãÆãä¦ã¹ãŠÊã Öñ¦ãì ƒÔã ãä¶ããä£ã ‡ãŠã ÔãâÞããÊã¶ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ‡ãŠãñÓã
ãäÌã¼ããØã ´ãÀã ãä‡ãŠ¾ãã •ãã†Øããý
†Þã‚ããÀ†½ã†Ôã ¹ããäÀ¾ããñ•ã¶ãã
• ‡ãŠ½ãÃÞããÀãè ¹ãƺãâ£ã¶ã àãñ¨ã ½ãò ¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãŠã „¹ã¾ããñØã ºãü¤ã¶ãñ ‡ãñŠ ãäÊã†,
ºãö‡ãŠ ¶ãñ †Ôㆹããè-ƒÃ‚ããÀ¹ããè-†Þã‚ããÀ†½ã†Ôã Ôãã¹ã‹›Ìãñ¾ãÀ ‡ãñŠ ½ã㣾ã½ã
Ôãñ ‚ã¹ã¶ããè †Þã‚ããÀ ¹ãÆãä‰ãŠ¾ãã ‡ãŠã ÔÌãÞããÊã¶ã ãä‡ãŠ¾ãã Öõý ‚ãºã ¹ãîÀñ
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ½ãò Ôã¼ããè ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠã ‡ãñŠ¶³ãè‡ãðŠ¦ã ‚ããâ‡ãŠü¡ã
‚ãã£ããÀ „¹ãÊ㺣ã Öõý
• ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ 2.05 ÊããŒã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãè Ìãñ¦ã¶ã ¹ãÆãä‰ãŠ¾ãã
‚ããõÀ ÊãØã¼ãØã †‡ãŠ ÊããŒã †Ôãºããè‚ããƒ/‚ãヺããè‚ãム¹ãòÍã¶ãÀãò ‡ãŠãè ¹ãòÍã¶ã
¹ãÆã‰ä ㊾ãã ‡ãŠãñ ‡ãñŠ¶³ãè‡ãðŠ¦ã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõý
• As a part of the Transformation process, special
five day intense brain storming Conclaves were
held for the newly promoted Deputy General
Managers of the Bank.
• Internal communication in the Bank was
enhanced by sharing Corporate Video Clips with
all Circles and sharing of best practices among
all Circles. With a view to change work culture,
placard campaigns and video campaigns through
strategically placed plasma TVs were run.
• An ambitious new ‘Parivartan’ programme titled
“Citizen SBI”, envisaging deep rooted, multilevel
attitudinal change and transformation in the
Organization, consisting of waves of HR
interventions to be rolled out over the next two
years was also initiated during the year.
P. ORGANISATIONAL PLANNING
Organisational Changes: The under noted
important organisational changes were made
during the year:-
• Upgradation of the post of DMD & GE (A&S)
to MD & GE (Associates and Subsidiaries).
• During the year, with a view to bringing about
greater speed and efficiency and improving
customer service, the organisational structure
has been delayered by dismantling of
Modules. A few posts in keeping with new
structure have been created.
Q. RIGHT TO INFORMATION ACT 2005
(RTI ACT 2005)
Suitable structure has been put in place at
Branches/Administrative Offices/Regional
Business Offices/Local Head Offices for handling
requests and appeals under RTI Act 2005. Further,
an exclusive ‘RTI Department’ has been created
in Corporate Centre to handle and co-ordinate
various issues under the Act. For convenience of
the public, the Bank has also created an RTI link
in its website.
R. HUMAN RESOURCES
Learning & Development
• Several key initiatives have been taken by the
Bank to enthuse and motivate the employees
69
C69 K69
to perform better so as to achieve the Bank’s
growth plans.
• A ‘Leadership pipeline’ initiative has been taken
on hand with the objective of grooming the
officials from the level of Scale-IV upto GM for
future leadership positions. Services of reputed
institutions like ISB/Duke University/IIMs have
been engaged for the purpose.
• As the accreditation process is mandatory for the
recovery agents, the Bank has gone in for
accreditation of one of the training institutions
for training of debt recovery agents to facilitate
the future appointments of recovery agents.
Personnel Management
• The Performance Linked Incentive Scheme of the
Bank has been broad-based with an aim to foster
team spirit amongst the employees and to
motivate them to excel in customer service. This
also helped the Bank in exploiting the new
emerging business opportunities to achieve the
Bank’s growth plans.
• The Bank has gone for contract employment, on
cost to company basis, of specialists like Chartered
Accountants, Law Officers, Statisticians,
Economists, Customer Relation Executives, Credit
Analysts etc. to take care of Bank’s growing needs
to face competition.
• The Bank revised the Family Pension Scheme for
the family pensioners of the Bank retrospectively
from the 1st May 2005.
• The pension fund has been separated from the
Banks’ liability after obtaining necessary
approval from the Board of Trustees. The fund
will be managed by the Treasury Dept. of SBI for
better returns.
HRMS Project
• For leveraging Technology in employee
management area, the Bank has implemented
automation of its HR process through SAP-ERP-
HRMS software. A centralized database of all
employees across SBI is now available.
• Salary processing for 2.05 lakh employees across
SBI and pension processing of approximately
1 lakh SBI/IBI pensioners have been centralized.
• „¹ã¾ãìÇ㋦㠇ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, †Þã‚ããÀ†½ã†Ôã ºãö‡ãŠ ‡ãñŠ Ôã¼ããè ‡ãŠ½ãÃÞãããäÀ¾ããò
‡ãŠãñ Ôãã©ã-Ôãã©ã ‚ãã¶ã Êãヶ㠂ããÌãñª¶ã ¹ãÆÔ¦ãì¦ããè‡ãŠÀ¥ã ‚ããõÀ ‚ããâ‡ãŠü¡ãò
‡ãŠñ ‚ãÌãÊããñ‡ãŠ¶ã ‚ãããäª •ãõÔããè ‚ã¶ãñ‡ãŠ ¹ãƇãŠãÀ ‡ãŠãè ÔãñÌãã†â „¹ãÊ㺣ã
‡ãŠÀã¦ãã Öõý ƒÔãÔãñ †Þã‚ããÀ ¹ããäÀÞããÊã¶ããò ‡ãŠãè ÊããØã¦ã ½ãò ‡ãŠ½ããè ‚ãã†Øããè
‚ããõÀ ¹ãƺãâ£ã¶ã ‡ãŠãñ ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ÍããèÜãƦãã Ôãñ ãä¶ã¥ãþã Êãñ¶ãñ
½ãò ½ãªª ãä½ãÊãñØããèý
¼ã¦ããê
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã 30231 ãäÊããä¹ã‡ãŠãè¾ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‚ããõÀ 3472
‚ããä£ã‡ãŠããäÀ¾ããò ‡ãŠãè ¼ã¦ããê ‡ãŠãè †‡ãŠ ̾ãã¹ã‡ãŠ ¹ãÆãä‰ãŠ¾ãã Íãì ‡ãŠãè ØãƒÃ,
ãä•ã¶ã½ãò Ôãñ 25735 ãäÊããä¹ã‡ãŠãè¾ã ‡ãŠ½ãÃÞããÀãè ‚ããõÀ 3286 ‚ããä£ã‡ãŠãÀãè
‡ãŠã¾ãüããÀ ØãÆ֥㠇ãŠÀ Þãì‡ãñŠ Ööý
• ƒÔã ¼ã¦ããê ‚ããä¼ã¾ãã¶ã Ôãñ, •ããñ ºãöãä‡ãâŠØã àãñ¨ã ½ãò Íãì ‡ãŠãè ØãƒÃ ÔãºãÔãñ
ºãü¡ãè ¹ãÆãä‰ãŠ¾ãã Öõ, ºãö‡ãŠ ‡ãñŠ ÍããŒãã ãäÌãÔ¦ããÀ ‚ããä¼ã¾ãã¶ã ‡ãñŠ ‚ã¶ãì¹ã
Ô›ã¹ãŠ Ôã⌾ãã ½ãò Ìãðãä® Öãñ ¹ããƒÃý ƒÔãÔãñ ‡ãŠ½ã ‚ãã¾ãì ÌãØãà ÌããÊãñ
Ô›ã¹ãŠ ‡ãŠãè Ôã⌾ãã ºãü¤ã¶ãñ ½ãò ½ãªª ãä½ãÊãñØããè ‚ããõÀ ºãö‡ãŠ ‡ãŠãñ ‚ã¹ã¶ããè
ãäÌã‡ãŠãÔã ¾ããñ•ã¶ãã‚ããò ‡ãñŠ Êãà¾ããò ‡ãŠãè ¹ãÆãã书㠇ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÍããŒãã
‡ãñŠ ºããÖÀ ¼ããè ‚ããõÀ ½ãã‡ãóŠãä›âØã ‡ãñŠ ãäÊㆠ¼ããè ‚ããõÀ ‚ããä£ã‡ãŠ ¹ãƾããÔã
‡ãŠÀ¶ãñ ‡ãñŠ ‚ãÌãÔãÀ „¹ãÊ㺣ã ÖãòØãñý
‚ããõ²ããñãäØã‡ãŠ Ôãâºãâ£ã
• Ô›ã¹ãŠ ‚ããõÀ ‚ããä£ã‡ãŠãÀãè ÔãâÜã ªãñ¶ããò ‡ãñŠ ÔãªÔ¾ããò ‡ãñŠ Ôãã©ã ÌãÓãà ‡ãñŠ
ªãõÀã¶ã Ôãâºãâ£ããò ½ãò „¦‡ãðŠÓ›¦ãã ¹ãÆ㹦㠇ãŠãè ØãƒÃý ãä¶ãÀâ¦ãÀ ÔãÖ¾ããñØã †Ìãâ
ÔÌãÔ©ã ÞãÞããÃ/ ãäÌãÞããÀ-ãäÌã½ãÍãà ‡ãñŠ ½ã㣾ã½ã Ôãñ ‚ããõ²ããñãäØã‡ãŠ Ôãâºãâ£ããò
Ôãñ •ãìü¡ñ ãäÌããä¼ã¸ã ãäÌãÓã¾ããò ‡ãŠãñ ÖÊã ãä‡ãŠ¾ãã Øã¾ããý
• ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÌããä¼ã¸ã Ô›ã¹ãŠ ¨ãɥ㠾ããñ•ã¶ãã‚ããò ‡ãñŠ ‚ãâ¦ãØãæ㠨ãÉ¥ã
Ôããè½ãã‚ããò ½ãò Ìãðãä® ‡ãŠãè ØãƒÃ ‚ããõÀ ƒÔã‡ãñŠ ‚ãÊããÌã㠂㶾㠇㊃à ¹ãƾããÔã
ãä‡ãŠ† Øã†, ãä•ã¶ãÔãñ ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ ºãñÖ¦ãÀ ÔãìãäÌã£ãã†â/¹ãÆãñ¦ÔããÖ¶ã
„¹ãÊ㺣㠇ãŠÀã¶ãñ ‡ãñŠ Ôãã©ã-Ôãã©ã ºãö‡ãŠ ½ãò ºãñÖ¦ãÀ ‚ããõ²ããñãäØã‡ãŠ Ôãâºãâ£ããò
ÌããÊãã ¹ããäÀÌãñÍã ºã¶ãã¶ãñ ½ãò ½ãªª ãä½ãÊããèý
Ô›ã¹ãŠ Ôã⌾ãã
31 ½ããÞãà 2009 ‡ãŠãñ ºãö‡ãŠ ½ãò Ô›ã¹ãŠ ‡ãŠãè Ôã⌾ãã 205896 ©ããèý
ƒ¶ã½ãò 31.42 ¹ãÆãä¦ãÍã¦ã ‚ããä£ã‡ãŠãÀãè, 47.10 ¹ãÆãä¦ãÍã¦ã ãäÊããä¹ã‡ãŠ ‚ããõÀ
ÍãñÓã 21.48 ¹ãÆãä¦ãÍã¦ã ‚ã£ããè¶ãԩ㠇㊽ãÃÞããÀãè ©ãñý
‚ãÍã‡ã‹¦ã ̾ããä‡ã‹¦ã ‚ããä£ããä¶ã¾ã½ã (¹ãã衺ʾãî¡ãè) ‚ããä£ããä¶ã¾ã½ã,
1995 ‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã
ºãö‡ãŠ ‚ãÍã‡ã‹¦ã ̾ããä‡ã‹¦ã¾ããò ‡ãñŠ ãäÊㆠ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò
¦ã©ãã ‚ãÍã‡ã‹¦ã ̾ããä‡ã‹¦ã ‚ããä£ããä¶ã¾ã½ã 1995 ‡ãŠãè £ããÀã 33 ‡ãñŠ ¦ãÖ¦ã
70
C70 K70
‚ãÍã‡ã‹¦ããò ‡ãŠãñ ‚ããÀàã¥ã „¹ãÊ㺣㠇ãŠÀã¦ãã Öõý 31.03.2009 ‡ãŠãñ
ãä¶ã¾ããñãä•ã¦ã ‚ãÍã‡ã‹¦ã ̾ããä‡ã‹¦ã¾ããò ‡ãŠãè ‡ãìŠÊã Ôã⌾ãã 1767 ©ããè (º¾ããñÀã
¶ããèÞãñ ã䪾ãã Øã¾ãã Öõ)ý
¦ãããäÊã‡ãŠã : 12
Ñãñ¥ããè ‡ãìŠÊã ‚ãÍã‡ã‹¦ã ̾ããä‡ã‹¦ã¾ããò
‡ãŠãè Ôã⌾ãã
‚ããä£ã‡ãŠãÀãè 64685 351
ãäÊããä¹ã‡ãŠ 96974 1168
‚ã£ããè¶ãÔ©ã 44237 248
¾ããñØã 205896 1767
‚ã¶ãìÔãîãäÞã¦ã •ãããä¦ã¾ããò ‚ããõÀ ‚ã¶ãìÔãîãäÞã¦ã •ã¶ã•ãããä¦ã¾ããò ‡ãŠã
¹ãÆãä¦ããä¶ããä£ã¦Ìã
• 31 ½ããÞãà 2009 ‡ãŠãñ ºãö‡ãŠ ‡ãŠãè ‡ãìŠÊã Ô›ã¹ãŠ Ôã⌾ãã ½ãò ‚ã¶ãìÔãîãäÞã¦ã •ãããä¦ã
‡ãñŠ Ô›ã¹ãŠ ‡ãŠãè Ôã⌾ãã 19.20 ¹ãÆãä¦ãÍã¦ã ‚ããõÀ ‚ã¶ãìÔãîãäÞã¦ã •ã¶ã•ãããä¦ã ‡ãñŠ
Ô›ã¹ãŠ ‡ãŠãè Ôã⌾ãã 6.52 ¹ãÆãä¦ãÍã¦ã ©ããèý
• ‚ããÀàã¥ã ¶ããèãä¦ã Ôãñ Ôãâºãâãä£ã¦ã ãäÌãÓã¾ããò ¹ãÀ ÞãÞããà ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ããõÀ ‚ã¶ãì.
•ãããä¦ã †Ìãâ ‚ã¶ãì. •ã¶ã•ãããä¦ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãè ãäÍã‡ãŠã¾ã¦ããò ‡ãŠã ‡ãŠãÀØãÀ ¤âØã
Ôãñ ãä¶ãÌããÀ¥ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊã†, Ôã¼ããè Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ããò ‚ããõÀ
‡ãŠãÀ¹ããñÀñ› ‡ãñŠ¶³ ½ãò ¼ããè Ôãâ¹ã‡ãÊ ‚ããä£ã‡ãŠãÀãè ¶ãããä½ã¦ã ãä‡ãŠ† ØㆠÖöý
• ºãö‡ãŠ ‡ãñŠ ÌããäÀÓŸ ‚ããä£ã‡ãŠãÀãè ‡ãŠãÀ¹ããñÀñ› ‡ãñŠ¶³ Ô¦ãÀ ¹ãÀ ¼ããÀ¦ããè¾ã Ô›ñ›
ºãö‡ãŠ ‡ãñŠ ‚ã¶ãì. •ãããä¦ã †Ìãâ ‚ã¶ãì. •ã¶ã•ãããä¦ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ ÀãÓ›Èãè¾ã ÔãâÜã
‡ãñŠ Ôãã©ã ‚ããõÀ Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã †Ìãâ ¹ãÆÍããÔããä¶ã‡ãŠ ‡ãŠã¾ããÃÊã¾ã
Ô¦ãÀãò ¹ãÀ, •ãÖãâ ‚ããÀàã¥ã ¶ããèã¦ä ã ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã Ôãñ Ôãâºãâã£ä ã¦ã ½ã쪪á ãò †Ìãâ
‚㶾ã ãäºã¶ªì‚ããò ¹ãÀ ÞãÞããà ‡ãŠãè •ãã¦ããè Öõ, ½ã¥¡Êã ‡ãñŠ ‚ã¶ãì. •ãããä¦ã †Ìãâ
‚ã¶ãì. •ã¶ã•ãããä¦ã ‡ãŠÊ¾ãã¥ã ÔãâÜããò ‡ãñŠ Ôãã©ã Ôã½ã¾ã Ôã½ã¾ã ¹ãÀ ãä¶ã¾ããä½ã¦ã
¹ã Ôãñ ºãõŸ‡ãòŠ ‚ãã¾ããñã•ä ã¦ã ‡ãŠÀ¦ãñ Ööý ƒÔãÔãñ ½ããñ›ñ ¦ããõÀ ¹ãÀ ƒ¶ã Ôã½ãìªã¾ããò
‡ãŠãè ãäÍã‡ãŠã¾ã¦ããò ‡ãŠã ãä¶ãÌããÀ¥ã Ôãìã¶ä ããäÍÞã¦ã ãä‡ãŠ¾ãã Øã¾ããý
• ‚ããÀàã¥ã ¶ããèã¦ä ã ‚ããõÀ Ôãâºãâã£ä ã¦ã àãñ¨ããò ‡ãñŠ ºããÀñ ½ãò ‚ã²ã¦ã¶ã •ãã¶ã‡ãŠãÀãè / ¶ãÌããè¶ã¦ã½ã
ãä¶ãªñÍããò Ôãñ ‚ãÌãØã¦ã ‡ãŠÀã¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ‚ã¶ãì. •ãããä¦ã¾ããò †Ìãâ ‚ã¶ãì.
•ã¶ã•ãããä¦ã¾ããò ‡ãñŠ ãäÊㆠÔãâ¹ã‡ãÊ ‚ããä£ã‡ãŠããäÀ¾ããò, Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ããò
‡ãñŠ ‚ã¶ãì. •ãããä¦ã †Ìãâ ‚ã¶ãì. •ã¶ã•ãããä¦ã ‡ãŠàããò ‡ãñŠ ¹ãƼãããäÀ¾ããò ‚ããõÀ ‚ã¶ãì.
•ãããä¦ã †Ìãâ ‚ã¶ãì. •ã¶ã•ãããä¦ã ‡ãŠÊ¾ãã¥ã ÔãÜããò ‡ãñŠ ¹ãÆã¦ä ããä¶ããä£ã¾ããò Öñ¦ãì ‡ãŠã¾ãÃÍããÊãã†â
‚ãã¾ããñãä•ã¦ã ‡ãŠÀ¦ãã ÀÖã Öõý
• ‚ã¶ãì. •ãããä¦ã †Ìãâ ‚ã¶ãì. •ã¶ã•ãããä¦ã ‡ãñŠ ‚ã¼¾ããä©ãþããò ‡ãñŠ ãäÊㆠ¼ã¦ããê †Ìãâ
¹ãªãñ¸ããä¦ã ¹ãîÌãà ¹ãÆãäÍãàã¥ã ‡ãŠã¾ãÉ㊽㠂ãã¾ããñãä•ã¦ã ãä‡ãŠ† •ãã ÀÖññ Öö ãä•ãÔãÔãñ
Ìãñ ãä¶ã£ããÃãäÀ¦ã ½ãã¶ãª¥¡ ¹ãÆ㹦㠇ãŠÀ Ôã‡ãòŠ ‚ããõÀ ‚㶾㠂㼾ããä©ãþããò ‡ãñŠ Ôãã©ã
¹ãƼããÌããè ¹ã Ôãñ ½ãì‡ãŠãºãÊãã ‡ãŠÀ Ôã‡ãòŠý
• Besides the above, HRMS will make available a
variety of services like online request submission
and viewing of data etc. to all the employees of
the Bank on an online ‘real time’ basis. This will
increase efficiency in HR operations and help the
management in making employee related
decisions faster.
Recruitment
• Massive recruitment exercises were undertaken
during the year by recruiting 30231 clerical staff
and 3472 Officers, out of which 25735 clerical
staff and 3286 Officers had already joined.
• This recruitment drive, which is the largest
recruitment exercise undertaken in the banking
sector, was made to augment the staff strength
in tandem with the Bank’s branch expansion
drive. This will not only help in reducing
the age profile of staff but will also provide
an opportunity for greater mobility and
marketing thrust across the Bank to achieve its
growth plans.
Industrial Relations
• Excellence in relationship with the members of
both the Staff and Officers Federations was
achieved by sorting out various industrial
relations issues through their consistent
support and healthy dialogue/discussions during
the year.
• Enhancement in limits under various staff loan
schemes and other initiatives have been taken up
during the year, which, besides providing better
facilities / incentives to the employees, helped
in creating better industrial relations environment
in the Bank.
Staff Strength
The Bank had a total strength of 205896 as on the
31st March 2009. Of this, 31.42% were officers;
47.10% were clerks and the remaining 21.48%
were sub-ordinate staff.
Implementation of Persons With Disabilities
(PWD) Act, 1995
Our Bank provides reservation to Persons with
Disabilities (PWDs) as per the guidelines of the
71
C71 K71
Government of India and Section 33 of the PWD
Act, 1995. The total number of Persons with
Disabilities, employed as on 31.03.2009, were
1767 (details given as under).
Table : 12
Category Total No. of Persons
with Disabilities
Officers 64685 351
Clerical 96974 1168
Sub-staff 44237 248
TOTAL 205896 1767
Representation of Scheduled Castes and
Scheduled Tribes
• As on 31st March 2009, 19.20% of the Bank's total
staff strength belonged to Scheduled Castes and
6.52% belonged to Scheduled Tribes.
• In order to discuss issues relating to Reservation
Policy and effectively redress the grievances of
SC/ST employees, Liaison Officers have been
designated at all the Local Head Offices of the
Bank as also at the Corporate Centre in Mumbai.
• Senior officials of the Bank hold regular meetings
at periodic intervals with the representatives of
the National Federation of State Bank of India SC/
ST Employees at Corporate Centre level as also
with the representatives of Circle SC/ST Welfare
Associations at the Local Head Office and
Administrative Office levels where issues
pertaining to implementation of Reservation
Policy and other points are discussed. This has
ensured redressal of grievances of these
communities to a large extent.
• The Bank has been conducting workshops
for SCs/STs/OBCs to impart up-to-date
knowledge/latest operatives about the
Reservation Policy and related areas to the
Liaison officers for SCs/STs, in-charge of
SC/ST cells at LHOs, and the representatives
of SC/ST Welfare Associations.
• Pre-recruitment and pre-promotion training
programmes are being conducted to enable
SC/ST candidates to achieve the prescribed
standards to effectively compete with
other candidates.
£ã. ̾ãÌãÔãã¾ã ¹ãÆãä‰ãŠ¾ãã ¹ãì¶ããäÌãö¾ããÔã (ºããè¹ããè‚ããÀ)
¹ãƽãìŒã ̾ãÌãÔãã¾ã àãñ¨ããò ‡ãñŠ ãä¶ãÓ¹ã㪶㠂ããõÀ ØãÆãև㊠ÔãñÌãã ‡ãŠãè Øãì¥ãÌ㦦ãã
½ãò Ôãì£ããÀ Êãã¶ãñ ‡ãñŠ ãäÊㆠ‡ãŠãñÀ ºãöãä‡ãâŠØã ¹Êãñ›¹ãŠã½ãà ‡ãŠã Êãã¼ã „Ÿã¶ãñ
Öñ¦ãì ºãõ‡ãŠ ¶ãñ ̾ãÌãÔãã¾ã ¹ãÆãä‰ãŠ¾ãã‚ããò ‡ãŠãè ¹ãì¶ã: ¹ãÀñŒãã ¦ãõ¾ããÀ ‡ãŠãè
Öõý ºãö‡ãŠ ´ãÀã Íãì ‡ãŠãè ØãƒÃ ºããè¹ããè‚ããÀ ¹ããäÀ¾ããñ•ã¶ãã ºãö‡ãŠ ‡ãŠãñ †‡ãŠ
ãäÌãÍÌãÔ¦ãÀãè¾ã ºãö‡ãŠ ‡ãñŠ ¹㠽ãò ¹ããäÀÌããä¦ãæ㠇ãŠÀ¶ãñ ‡ãŠñ ãäÊㆠ‡ãŠã¾ãà ‡ãŠÀ
ÀÖãè Öõ •ããñ ‚㦾ãâ¦ã Ôããä‰ãŠ¾ã¦ãã ‡ãñŠ Ôãã©ã ¶ã† ØãÆãÖ‡ãŠãò ¦ã‡ãŠ ‚ã¹ã¶ããè
¹ãÖìâÞã ºã¶ãã Ôã‡ãñŠ, Ìã¦ãýãã¶ã ØãÆãÖ‡ãŠãò ‡ãñŠ Ôãã©ã Ô©ãã¾ããè ‚ããõÀ ªîÀØãã½ããè
Ôãâºãâ£ã Ô©ãããä¹ã¦ã ‡ãŠÀ Ôã‡ãñŠ ‚ããõÀ Ôã¼ããè ØãÆãÖ‡ãŠãò ‡ãŠãñ ãäÌããäÌã£ã-½ã㣾ã½ããò
Ôãñ Ô¦ãÀãè¾ã ÔãñÌãã†â „¹ãÊ㺣㠇ãŠÀã Ôã‡ãñŠý ãäÌããä¼ã¸ã ºããè¹ããè‚ããÀ ¹ãÖÊããò
‡ãŠã º¾ããñÀã ¶ããèÞãñ ã䪾ãã Øã¾ãã Öõ:
• ãäÀ›ñÊã ¨ãÉ¥ããò, ÊãÜãì †Ìã⠽㣾ã½ã „²ã½ã ¨ãÉ¥ããò ‚ããõÀ ̾ãã¹ããÀ ãäÌ㦦ã
‡ãñŠ ãäÊㆠ‡ãñŠ¶³ãè‡ãðŠ¦ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ Ô©ãããä¹ã¦ã ãä‡ãŠ† Øã†, ãä•ã¶Öãò¶ãñ
ÍããŒãã‚ããò ‡ãŠãè ãäÌããä¼ã¸ã Ô¦ãÀãè¾ã ¹ãÆã‰ä ㊾ãã‚ããò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãŠã ªããä¾ã¦Ìã
ØãÆ֥㠇ãŠÀ ãäÊã¾ãã Öõý
• ½ãÖ¦Ìã¹ãî¥ãà ‡ãòŠ³ãò ¹ãÀ Ôãâºãâ£ã ¹ãƺãâ£ã‡ãŠãò ‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã ‡ãŠãè ØãƒÃ ãä•ãÔãÔãñ ºãü¡ñ
‚ããõÀ „ÞÞã ½ãããäÊã¾ã¦ã ÌããÊãñ ØãÆãÖ‡ãŠãò ‡ãñŠ Ôãã©ã-Ôãã©ã ½ã£¾ã½ã „²ã½ã ØãÆãÖ‡ãŠãò
‡ãŠãñ ¼ããè ̾ããä‡ã‹¦ãØã¦ã ¹ã Ôãñ ÔãñÌãã†â ¹ãƪã¶ã ‡ãŠãè •ãã Ôã‡ãòŠý
• ½ãÖ¦Ìã¹ãî¥ãà ºãã•ããÀãò ‡ãŠãñ Êããäàã¦ã ‡ãŠÀ‡ãñŠ ãäÌããä¼ã¸ã „¦¹ããªãò ‡ãŠãè ãäºã‰ãŠãè ºãü¤ã¶ãñ
¦ã©ãã ¹ãÆã¦ä ã ãäºã‰ãŠãè ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠØãðÖ ¨ãÉ¥ã ãäÌã‰ãŠ¾ã Ôã½ãîÖ ‚ããõÀ ºãÖì-„¦¹ããª
ãäÌã‰ãŠ¾ã Ôã½ãîÖ •ãõÔãñ Ôã½ããä¹ãæ㠇ãŠã¾ãà Ôã½ãîÖ ºã¶ãㆠØㆠÖöý
• ‚ãããäԦ㠇ãñŠ¶³ãè‡ãðŠ¦ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ãò ‡ãñŠ ãäÊㆠãäÌããä¼ã¸ã ÔãâÔÌããè‡ãðŠãä¦ã
¹ãÆãä‰ãŠ¾ãã‚ããò ‡ãŠãñ ãä¶ããäÍÞã¦ã Ôã½ã¾ã ½ãò ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ½ãã¶ãªâ¡
ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ† ØㆠÖöý
• ‚ãããäÔ¦ã¾ããò ¦ã©ãã ¹ãÆÊãñŒããè‡ãŠÀ¥ã ‡ãŠãè Øãì¥ãÌ㦦ãã ½ãò Ôãì£ããÀ ãä‡ãŠ¾ãã Øã¾ããý
• ̾ãã¹ããÀ ãäÌ㦦㠺ãÖìÊã ‡ãñŠ¶³ãò ¹ãÀ Ôã¼ããè ÍããŒãã‚ããò ‡ãŠãñ ØãõÀ-ãä¶ããä£ã ‚ãã£ãããäÀ¦ã
̾ãÌãÔãã¾ã •ãõÔãñ ÔããŒã-¹ã¨ããò/ºãö‡ãŠ ØããÀâã›ä ¾ããò ‚ããõÀ ãäºãÊããò ¹ãÀ ÍããèÜãƦãã ‚ããõÀ
ÔãÖ•ã¦ãã Ôãñ ‡ãŠãÀÃÌããƒÃ ‡ãŠÀ¶ãñ ½ãò ãä¶ã¹ãì¥ã ºã¶ãã¾ãã Øã¾ãã Öõý
• ¶ã† Œãã¦ããò ‡ãŠãñ ÍããèÜãƦãã Ôãñ ŒããñÊã¶ãñ ¦ã©ãã ̾ããä‡ã‹¦ãØã¦ã Þãñ‡ãŠ ºãì‡ãŠ •ããÀãè
‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÍããŒãã‚ããò ‡ãŠãñ ÔãÍã‡ã‹¦ã ºã¶ãã¾ãã Øã¾ãã Öõý
• Ôã½ããÍããññ£ã¶ã Ôãâºãâ£ããè ‡ãŠã¾ãÇãŠÊãã¹ããò ‡ãŠãñ ‡ãñŠ¶³ãè‡ãðŠ¦ã ‡ãŠÀ¶ãñ ‚ããõÀ ØãÆãÖ‡ãŠ
ÔãñÌãã ¹ãÀ ‚ããä£ã‡ãŠ £¾ãã¶ã ªñ¶ãñ ‡ãñŠ ãäÊㆠÍããŒãã‚ããò ‡ãŠãñ ½ãì‡ã‹¦ã ‡ãŠÀ¶ãñ
Öñ¦ãì Ôã½ããÍããñ£ã¶ã ‡ãñŠ¶³ãè‡ãðŠ¦ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ Ô©ãããä¹ã¦ã ãä‡ãŠ† ØㆠÖöý
• ¹ãòÍã¶ãÀãò ‡ãŠãñ ‡ãñŠ¶³ãè‡ãðŠ¦ã ¹ãòÍã¶ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ãò ‡ãñŠ ½ã㣾ã½ã Ôãñ ÔãÖãè
†Ìãâ Ôã½ã¾ã Ôãñ ¹ãòÍã¶ã ‚ãªã ‡ãŠãè •ãã ÀÖãè Öõý
• ¹ãÆÊãñŒã ÔãâØãÆÖ ‡ãòŠ³ ºã¶ãㆠØㆠÖö ãä•ãÔãÔãñ ÍããŒãã‚ããò ½ãò ¹ã¾ããù¦ã
Ô©ãã¶ã „¹ãÊ㺣ã Öãñ Ôã‡ãñŠý
72
C72 K72
• ãäÔÌã¹ã‹› ‡ãñŠ ½ã㣾ã½ã Ôãñ ¹ãÆãñ Óä ã¦ã ‡ãŠãè •ãã¶ãñ ÌããÊããè ŒãìªÀã £ã¶ãÀããäÍã¾ããò
¹ãÀ ‡ãŠãÀÃÌããƒÃ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ããÌã‡ãŠ £ã¶ãÀããäÍã ‡ãñŠ¶³ ŒããñÊãñ ØㆠÖöý
• ÍããèÜãƦãã Ôãñ ‚ããõÀ ªàã¦ãã¹ãîÌãÇ㊠‡ãŠã¾ãà ÔãâÞãããäÊã¦ã ‡ãŠÀ¶ãñ ‚ããõÀ ØãÆãÖ‡ãŠ
ÔãñÌãã ½ãò Ôãì£ããÀ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÔãâØ㟶ã㦽ã‡ãŠ ÔãâÀÞã¶ãã ‡ãñŠ ‚ãâ¦ãØãæã
Ô¦ãÀãò ½ãò ‡ãŠ½ããè ‡ãŠãè ØãƒÃ Öõý
• 24x7 ‚ãã£ããÀ ¹ãÀ ›ãñÊã ¹ãÆŠãè ¶ãâºãÀ ÌããÊãã †‡ãŠ Ôãâ¹ã‡ãÊ ‡ãòŠ³ Ô©ãããä¹ã¦ã
ãä‡ãŠ¾ãã Øã¾ãã Öõ ãä•ãÔã‡ãñŠ ´ãÀã „¦¹ããªãò ‚ããõÀ ÔãñÌãã‚ããò ‡ãñŠ ºããÀñ ½ãò
•ãã¶ã‡ãŠãÀãè ªññ¶ãñ ‡ãñŠ Ôãã©ã-Ôãã©ã ØãÆãÖ‡ãŠãñâ ‡ãŠãñ Œãã¦ãñ ‚ããõÀ ÍãñÓã Ôãâºãâ£ããè
•ãã¶ã‡ãŠãÀãè ¼ããè ªãè •ãã†Øããèý ¾ãÖ ÔãñÌãã ÍããèÜãÆ Öãè 17 ªñÍããò ½ãò
‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ããò ‡ãñŠ ãäÊㆠ¼ããè „¹ãÊ㺣㠇ãŠÀã ªãè •ãã†Øããèý
ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ªñÍã ‡ãñŠ ÍããèÓãà 113 ̾ãÌãÔãã¾ã ‡ãñŠ¶³ãò ‡ãŠãñ ¹ãî¥ãÃ
¹ã Ôãñ ºããè¹ããè‚ããÀ ‡ãñŠ ‚ãâ¦ãØãæã Íãì ãä‡ãŠ† Øㆠ„¹ã¾ãìÇ㋦㠹ãƾããÔããò
‡ãŠãè ¹ããäÀãä£ã ½ãò Êãã¾ãã Øã¾ãã Öõ •ããñ ‚ãÞœãè ¦ãÀÖ Ôãñ Ô©ãããä¹ã¦ã Öãñ
ØㆠÖöà ‚ããõÀ ƒ¶ãÔãñ ÍããŒãã‚ããò ´ãÀã ØãÆãÖ‡ãŠãò ‡ãŠãñ ºãñÖ¦ãÀ, ÍããèÜãÆ †Ìãâ
ÔãÖãè ÔãñÌãã ¹ãƪã¶ã ‡ãŠãè •ãã ÀÖãè Öõý
ƒ¶ã Ôã¼ããè ¹ãƾããÔããò Ôãñ ºãö‡ãŠ ‡ãŠãñ ¶ãƒÃ ¹ããäÀÞããÊã¶ã ÔãâÀÞã¶ãã Ôãðãä•ã¦ã
‡ãŠÀ¶ãñ ½ãò ÔãÖã¾ã¦ãã ãä½ãÊããè Öõ ãä•ãÔãÔãñ ÌãõãäÍÌã‡ãŠ Þãì¶ããõãä¦ã¾ããò ‡ãŠã Ôãã½ã¶ãã
ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠØããý
¶ã.Àã•ã¼ããÓãã ãäÌã¼ããØã
ºãö‡ãŠ ´ãÀã Àã•ã¼ããÓãã ¶ããèã¦ä ã Ôãñ Ôãâºãâã£ä ã¦ã ÔããâãÌä ããä£ã‡ãŠ ‚ã¹ãñàãã‚ããò ‡ãŠãè ¹ãîã¦ä ãÃ
‚ããõÀ ãäÖªâ ãè ¦ã©ã㠂㶾㠼ããÀ¦ããè¾ã ¼ããÓãã‚ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ‚ã¹ã¶ãñ „¦¹ããª
‚ããõÀ ÔãñÌãã†â •ã¶ã-•ã¶ã ¦ã‡ãŠ ¹ãÖìÞâ ãã¶ãñ ‡ãñŠ ãäÊㆠÌãÓãÃ-¼ãÀ ‚ã¶ãñ‡ãŠ ¹ãƇãŠãÀ
‡ãñŠ ¹ãƾããÔã ãä‡ãŠ† •ãã¦ãñ ÀÖñý ‚ã¹ã¶ãñ ƒ¶ã ¹ãƾããÔããò ‡ãñŠ ‚ãâ¦ãØãæã ÌãÓãà ‡ãñŠ
ªãõÀã¶ã ºãö‡ãŠ ªáÌããÀã ‚ã¹ã¶ããè 11,448 ‡ãŠãñÀ ºãöã‡ä ãâŠØã ÍããŒãã‚ããò ½ãò
ªáãÌä ã¼ããÓããè Ôããù¹ã‹›Ìãñ¾ãÀ ÔãâÔ©ãããä¹ã¦ã ‡ãŠÀ ã䪾ãã Øã¾ãã, ãä•ãÔãÔãñ ºãö‡ãŠ ‡ãñŠ
ØãÆãև㊠‚ã¹ã¶ããè ¹ããÔãºãì‡ãŠ, Œãã¦ãã ãäÌãÌãÀ¥ã ‚ããõÀ ‚㶾ã ãäÀ¹ããñ›ô ãäÖªâ ãè ½ãò
¹ãÆ㹦㠇ãŠÀ Ôã‡ãòŠØãñý Ôãã©ã Öãè, ºãö‡ãŠ ªáÌããÀã ‚ã¹ã¶ãñ ØãÆãÖ‡ãŠãò ‡ãŠãñ ãäÖªâ ãè
‚ããõÀ ‚㶾㠼ããÀ¦ããè¾ã ¼ããÓãã‚ããò ½ãò ‚ã¹ã¶ããè ÔãñÌãã†ú „¹ãÊ㺣㠇ãŠÀã¶ãñ ‡ãñŠ
ãäÊㆠãä‡ãŠ† •ãã ÀÖñ ¹ãƾããÔããò ‡ãŠñ ¹ããäÀ¥ãã½ãÔÌã¹㠺ãö‡ãŠ ‡ãñŠ †›ãè†ñ ½ããò
½ãò ãäÖªâ ãè ½ãò ãäÖ›ãò ‡ãŠãè Ôã⌾ãã 46 ÊããŒã ‚ããõÀ ‚㶾㠼ããÀ¦ããè¾ã ¼ããÓãã‚ããò
½ãò ãäÖ›ãò ‡ãŠãè Ôã⌾ãã 39 ÊããŒã ¹ãÆã¦ä ã ½ããÖ ¦ã‡ãŠ ¹ãÖìÞâ ã ØãƒÃý
¹ã. ºãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã ãäÌã¼ããØã
• ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãñ ØãÆãև㊠‡ãŠãñ •ãããä¶ã† (‡ãñŠÌããƒÃÔããè) / £ã¶ã-Íããñ£ã¶ã ãä¶ãÌããÀ‡ãŠ
(††½ã†Êã) / ‚ãã¦ãâ‡ãŠÌã㪠‡ãŠñ ãäÊㆠãäÌ㦦ã¹ããñÓã¥ã Àãñ‡ãŠ¶ãñ ‡ãñŠ „¹ãã¾ããò
¹ãÀ ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ´ãÀã •ããÀãè ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ºããñ¡Ã
´ãÀã ‚ã¶ãì½ããñãªä ¦ã ÔãâÍããñã£ä ã¦ã ¶ããèã¦ä ã ‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã ãä‡ãŠ¾ãã Öõý
• Êãñ¶ãªñ¶ããò ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãŠãè •ãã¦ããè Öõ ¦ãããä‡ãŠ £ã¶ã-Íããñ£ã¶ã ãä¶ãÌããÀ‡ãŠ
‚ããä£ããä¶ã¾ã½ã, 2002 ‡ãñŠ ãä¶ã¾ã½ããò ‡ãñŠ ‚ã¶ãìÔããÀ ‚ããä£ãªñãäÍã¦ã ãäÌ㦦ããè¾ã
S. BUSINESS PROCESS RE-ENGINEERING (BPR)
Bank has redesigned the business processes to
leverage the Core Banking platform to improve
performance in key business areas and quality
of customer service. The BPR Project
undertaken by the Bank is working to transform
it into a world class institution by proactively
reaching out to acquire new customers, building
deep and lasting relationships with existing
customers and providing all customers with
the best quality of service across multiple
channels. Various BPR initiatives undertaken
are detailed below:
• Centralised Processing Centres for Retail loans,
Small & Medium enterprise loans, and Trade
Finance were set up, wherein the end to end
processes have been taken over from branches.
• Relationship Managers have been positioned at
strategic centres to extend personalized service
to mass affluent and HNI clients, and also for
Medium Enterprises clients.
• Dedicated Sales Teams like Home Loans Sales
Team and Multi Product Sales Team have been
set-up to target niche markets and to up-sell and
cross-sell various products.
• Assured Standard Turn Around Times for various
sanction processes have been fixed for Asset CPCs.
• Quality of Assets and Documentation has improved.
• All branches in trade finance intensive centres
have been made capable to handle non-fund
based business like LCs/BGs and Bills with speed
and ease.
• Capability has been provided to branches for
speedy opening of new accounts and issue of
personalised cheque books.
• Clearing CPCs have been established to centralise
clearing related activities and free up branches
to focus on customer service.
• Pensions are being paid to pensioners through
Centralised Pension Processing Centres accurately
and in time.
• Document Archival Centres have been designed
to free up valuable space in branches.
• Inward Remittance Cell has been opened to
handle all retail remittances received through
SWIFT at a single point.
• For increasing speed and efficiency and to
improve customer service, the organizational
structure has been delayered.
• A 24x7 contact centre has been established with
toll-free number for providing information on
products and services as well as account and
balance queries to the customers. This service is
being extended to NRIs in 17 countries shortly.
During the year, top 113 business centres of the
country have been fully covered by the above BPR
initiatives which have stabilised very well and
have enabled branches to serve customers better,
with speed and accuracy.
All these initiatives have helped the Bank in
creating a new operating architecture capable of
meeting global competition.
T. OFFICIAL LANGUAGE DEPARTMENT
The Bank complied with the statutory
requirements relating to the Official Language
policy and made several efforts to deliver its
products and services to the masses in Hindi and
other Indian languages. These include installation
of bilingual software in its 11448 Core Banking
branches during the year which enabled
customers to get their pass books, statements of
account and other reports in Hindi. In addition
to this, the number of hits on ATMs in Hindi
reached 46 lakhs and in other Indian languages,
39 lakhs per month as a result of efforts made by
the Bank to provide its services in Hindi and other
Indian languages to its customers.
U. BANKING OPERATIONS DEPARTMENT
• The Bank has put in place, a Board approved
revised policy on Know Your Customer (KYC)/
Anti Money Laundering (AML)/Combating the
Financing of Terrorism (CFT) measures in line
with the guidelines issued by Reserve Bank of
India on the subject.
• Monitoring of Transactions is done with a view
to submit the required reports to Financial

73

C73 K73
 ‚ããÔãîÞã¶ãã ¾ãîãä¶ã›-¼ããÀ¦ã ‡ãŠãñ ‚ã¹ãñãäàã¦ã ãäÀ¹ããñ›ô ¹ãÆÔ¦ãì¦ã ‡ãŠãè iv „¶Öãò¶ãñ ÌãããäÓãÇ㊠ÊãñŒããò ‡ãŠãñ Ìã¦ãýãã¶ã ‚ããõÀ ¼ããÌããè Ôã¦ã¦ã ‚ã¹ãñàãã‚ããò
•ãã Ôã‡ãòŠý ‡ãñŠ ‚ã¶ãìÔããÀ ¦ãõ¾ããÀ ãä‡ãŠ¾ãã Öõý
• Êãñ¶ãªñ¶ããò ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãŠÀ¶ãñ ‚ããõÀ ƒÔã Ôãâºãâ£ã ½ãò ‚ããÌã;ã‡ãŠ ÔãÖã¾ã¦ãã ‚ãã¼ããÀ
„¹ãÊ㺣㠇ãŠÀã¶ãñ ‡ãŠãè ÒãäÓ› Ôãñ ºãö‡ãŠ ¶ãñ †‡ãŠ „¹ã¾ãì‡ã‹¦ã Ôãã¹ã‹›Ìãñ¾ãÀ ŒãÀãèªã
ÌãÓãà ‡ãñŠ ªãõÀã¶ã, Ñããè ›ãè. †Ôã. ¼ã›á›ãÞãã¾ãÃ, •ããñ 31 •ã¶ãÌãÀãè 2008 ‡ãŠãñ
Öõ •ããñ ºãö‡ãŠ ‡ãŠãè Ôã¼ããè ªñÍããè¾ã ÍããŒãã‚ããò ‡ãñŠ Ôã¼ããè Êãñ¶ãªñ¶ããò ‡ãŠãè ªõãä¶ã‡ãŠ
ÔãñÌãããä¶ãÌãð¦ã Öãñ Øㆠ©ãñ, ‡ãñŠ Ô©ãã¶ã ¹ãÀ ã䪶ããâ‡ãŠ 5 ãäªÔãâºãÀ 2008 Ôãñ
‚ãã£ããÀ ¹ãÀ •ããâÞã ‡ãŠÀ¦ãã Öõ ‚ããõÀ ƒÔãÔãñ ‚ãã¹ãŠ Êãヶ㠽ããñ¡ Ôãñ Àãñ•ãã¶ãã
¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‡ãñŠ ¹㠽ãò Ñããè ‚ããÀ. Ñããè£ãÀ¶ã ãä¶ã¾ãì‡ã‹¦ã ãä‡ãŠ† Øã†ý
ÔãâªñÖ•ã¶ã‡ãŠ Êãñ¶ãªñ¶ããò ‡ãŠãè ãäÀ¹ããñ›Ã (†Ôã›ãè‚ããÀ) ‚ãÊã›ÃáÔã ‡ãñŠ Ôãã©ã-
Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè ‚ããõÀ Ñããè ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, ãä¶ãªñÍã‡ãŠãò ¶ãñ
Ôãã©ã ½ãããäÔã‡ãŠ ¶ã‡ãŠª Êãñ¶ãªñ¶ã ãäÀ¹ããñ›Ã ¦ãõ¾ããÀ ‡ãŠãè •ãã¦ããè Öö ãä•ã¶ã‡ãŠã
ºããñ¡Ã Ôãñ ¦¾ããØã¹ã¨ã ªñ ã䪾ãã ‚ããõÀ „¶Öò ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã
ãäÌãÍÊãñÓã¥ã ƒÔã „ªáªñ;㠇ãñŠ ãäÊㆠºã¶ãㆠØㆠ‡ãñŠÌããƒÃÔããè/††½ã†Êã
‡ãŠãè £ããÀã 19 (Øã) ‡ãñŠ ‚ãâ¦ãØãæã Íãñ¾ãÀ£ããÀ‡ãŠãò ´ãÀã ã䪶ããâ‡ãŠ 24 •ãî¶ã
‡ãŠàã ´ãÀã ãä‡ãŠ¾ãã •ãã¦ãã Öõý
2008 Ôãñ 3 ÌãÓãà ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠÑããè ãäªÊããè¹ã Ôããè.Þããõ‡ãŠÔããè ‚ããõÀ
• ºãö‡ãŠ ½ãò ‡ãñŠÌããƒÃÔããè/††½ã†Êã ¹ãÀ ¹ãÆãäÍãàã¥ã ãä¶ã¾ããä½ã¦ã ‚ãã£ããÀ ¹ãÀ ¹ãƪã¶ã Ñããè †Ôã. Ìãõâ‡ãŠ›ãÞãÊã½ã ‡ãñŠ Ôãã©ã ãä¹ãŠÀ Ôãñ Þãì¶ã ãäÊã¾ãã Øã¾ããý
ãä‡ãŠ¾ãã •ãã ÀÖã Öõý ‡ãñŠÌããƒÃÔããè/††½ãË ‡ãñŠ ãäÌããäÍãÓ› ‡ãŠã¾ãÉ㊽ããò ‡ãñŠ
¡ãù. Àã•ããèÌã ‡ã슽ããÀ ‡ãŠãñ ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã ã䪶ããâ‡ãŠ 8 ãäÔã¦ãâºãÀ
‚ããä¦ããäÀ‡ã‹¦ã, Ôã¼ããè ¹ãÆãäÍãàã¥ã ‡ãŠã¾ãÉ㊽ããò/Ôãñãä½ã¶ããÀãò/‡ãŠã¾ãÃÍããÊãã‚ããò ½ãò
2008 Ôãñ ‡ãñŠ¶³ãè¾ã ºããñ¡Ã ½ãò ¶ãããä½ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý Ñããè Ôãì½ã¶ã ‡ã슽ããÀ
‡ãñŠÌããƒÃÔããè/††½ã†Êã Ôãâºãâ£ããè †‡ãŠ Ôã¨ã ÀŒãã •ãã¦ãã Öõý
ºãñÀãè, ãä•ã¶Öãò¶ãñ 18 ãäÔã¦ãâºãÀ 2008 ‡ãŠãñ ‡ãñŠ¶³ãè¾ã ºããñ¡Ã Ôãñ ¦¾ããØã ¹ã¨ã
„¦¦ãÀªããä¾ã¦Ìã ãäÌãÌãÀ¥ã ªñ ã䪾ãã Öõ, ‡ãñŠ Ô©ãã¶ã ¹ãÀ Ñããè ¡ãè. Ôã춪À½ã ‡ãŠãñ ã䪶ããâ‡ãŠ 13 •ã¶ãÌãÀãè
2009 Ôãñ £ããÀã 19 (Øã) ‡ãñŠ ‚ãâ¦ãØãæã Íãñ¾ãÀ£ããÀ‡ãŠãò ´ãÀã ÍãñÓã ‚ãÌããä£ã
ãä¶ãªñÍã‡ãŠ ºããñ¡Ã †¦ãª´ãÀã „ÊÊãñŒã ‡ãŠÀ¦ãã Öõ ãä‡ãŠ:
‚ã©ããæãá 23 •ãî¶ã 2011 ¦ã‡ãŠ Þãì¶ã ãäÊã¾ãã Øã¾ããý
i. ÌãããäÓãÇ㊠ÊãñŒãñ ¦ãõ¾ããÀ ‡ãŠÀ¦ãñ Ôã½ã¾ã ½ãÖ¦Ìã¹ãî¥ãà ãäÌãÞãÊã¶ããò Ôãñ Ôãâºãâãä£ã¦ã
¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ £ããÀã 19 (Ý) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ããè ãä¶ãªñÍã‡ãŠ
„ãäÞã¦ã Ô¹ãÓ›ãè‡ãŠÀ¥ã ‡ãñŠ Ôãã©ã-Ôãã©ã ÊããØãî ÊãñŒãã ½ãã¶ã‡ãŠãò ‡ãŠã
Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã 30 ‚ã¹ãÆõÊã 2009 Ôãñ ‚ã¹ã¶ããè ‚ããä£ãÌããäÓãæãã ‚ãã¾ãì
Ôã½ãìãäÞã¦ã ‚ã¶ãì¹ããÊã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ;
¹ãÆ㹦㠇ãŠÀ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ºãö‡ãŠ ‡ãñŠ ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠ ¶ãÖãé ÀÖñý
ii. „¶Öãò¶ãñ †ñÔããè ÊãñŒãã ¶ããèãä¦ã¾ããò ‡ãŠã Þã¾ã¶ã †Ìãâ ãä¶ãÀâ¦ãÀ ¹ãƾããñØã ãä‡ãŠ¾ãã
ºããñ ¡ à ½ãò ÞãÞããà ‚ ããò ‡ãñ Š ªãõ À ã¶ã Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã ‚ããõ À
Öõ ‚ããõÀ †ñÔãñ ãä¶ã¥ãþã ãäÊㆠÖö ‚ããõÀ ¹ãÆã‡ã‹‡ãŠÊã¶ã ãä‡ãŠ† Öö, •ããñ
Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè ´ãÀã ã䪆 Øㆠ¾ããñØãªã¶ã ‡ãŠãè ãä¶ãªñÍã‡ãŠãò ¶ãñ
31 ½ããÞãà 2009 ‡ãŠãñ ºãö‡ãŠ ‡ãñŠ ‡ãŠã¾ãÇãŠÊãã¹ã ‚ããõÀ „‡ã‹¦ã ã䪶ããâ‡ãŠ
¹ãÆÍãâÔãã ‡ãŠãèý
‡ãŠãñ Ôã½ã㹦ã ÌãÓãà Öñ¦ãì ºãö‡ãŠ ‡ãñŠ Êãã¼ã ‚ããõÀ Öããä¶ã ‡ãŠãè ÔãÖãè †Ìãâ
ãä¶ãÓ¹ãàã ãäÔ©ããä¦ã ªÍããöãñ ‡ãñŠ ãäÊㆠ¹ã¾ããù¦ã †Ìãâ ãäÌãÌãñ‡ãŠÔã½½ã¦ã Öö;
iii. „¶Öãò¶ãñ ºãö‡ãŠ ‡ãŠãè ‚ãããäÔ¦ã¾ããò ‡ãŠãè Ààãã ‡ãŠÀ¶ãñ ¦ã©ãã £ããñŒãã£ãü¡ãè †Ìãâ
‚㶾㠂ããä¶ã¾ããä½ã¦ã¦ãã†â Àãñ‡ãŠ¶ãñ ‚ããõÀ „¶ã‡ãŠã ¹ã¦ãã ÊãØãã¶ãñ ‡ãñŠ ãäÊㆠ‡ãñŠ¶³ãè¾ã ãä¶ãªñÍã‡ãŠ ºããñ¡Ã ‡ãñŠ ãäÊã†
ºãö‡ãŠ‡ãŠãÀãè ãäÌããä¶ã¾ã½ã¶ã ‚ããä£ããä¶ã¾ã½ã,1949 ‚ããõÀ ¼ããÀ¦ããè¾ã Ô›ñ› ‚ããõÀ „¶ã‡ãŠãè ‚ããñÀ Ôãñ,
ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã, 1955 ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ ¹ã¾ããù¦ã
ÊãñŒãã ãäÀ‡ãŠã¡Ã ÀŒã¶ãñ Öñ¦ãì Ôã½ãìãäÞã¦ã †Ìãâ ¹ã¾ããù¦ã ÔããÌã£ãã¶ããè ºãÀ¦ããè ‚ããñ.¹ããè. ¼ã›á›
Öõ; ‚ããõÀ ã䪶ããâ‡ãŠ: 9 ½ãƒÃ 2009 ‚㣾ãàã

74

C74 K74
 Intelligence Unit-India mandated by rules of
Prevention of Money Laundering Act, 2002.
• With a view to implementing and supporting
monitoring of transactions, the Bank has acquired
appropriate software which is processing all
transactions handled by all domestic branches of
the Bank, on a day to day basis and monthly Cash
Transaction Reports (CTRs) are being generated
along with Suspicious Transaction Report (STR)
alerts daily in offline mode, for analysis by the
dedicated KYC/AML Cell.
• Training on KYC/AML is being imparted on an
ongoing basis in the Bank. In addition to exclusive
KYC/AML programmes, all training programmes/
seminars/workshops have a KYC/AML session
included in the programme.
Responsibility Statement
The Board of Directors hereby states :
i. that in the preparation of the Annual
Accounts, the applicable accounting
standards have been followed along with
proper explanation relating to material
departures;
ii. that they have selected such accounting policies
and applied them consistently and made
judgements and estimates as are reasonable and
prudent, so as to give a true and fair view of the
state of affairs of the Bank as on the 31st March
2009, and of the profit and loss of the Bank for
the year ended on that date;
iii. that they have taken proper and sufficient care
for the maintenance of adequate accounting
records in accordance with the provisions of
the Banking Regulation Act, 1949 and State
Bank of India Act, 1955 for safeguarding the
assets of the Bank and preventing and
detecting frauds and other irregularities; and
75
C75 K75
iv. that they have prepared the annual accounts
on a going concern basis.
Acknowledgement
During the year, Shri R. Sridharan was appointed
as Managing Director with effect from the
5th December 2008, in place of Shri T.S.
Bhattacharya, who retired on the 31st January
2008. Shri Suman Kumar Bery and Shri Ashok
Jhunjhunwala, Directors, resigned from the
Board and were re-elected under Section 19(c)
of the SBI Act., by the Shareholders along with
Shri Dileep C. Choksi and Shri S. Venkatachalam
for a period of 3 years with effect from the 24th
June 2008.
Dr. Rajiv Kumar was nominated to the Central
Board with effect from 8th September 2008 by
the Government of India. Shri D. Sundaram was
elected by the Shareholders under Section 19(c)
with effect from the 13th January 2009, in place
of Shri Suman Kumar Bery, who resigned from
the Central Board on the 18th September 2008,
for the residual period upto the 23rd June 2011.
Consequent to his superannuation on 30th April
2009, Shri Arun Ramanathan, GOI Nominee
Director [under Section 19(e)], ceased to be a
Director on the Bank's Board.
The Directors place on record their appreciation
of the contribution made by Shri Arun
Ramanathan and Shri Suman Kumar Bery to the
deliberations of the Board.
For and on behalf of the
Central Board of Directors
O.P. Bhatt
Date : 9th May, 2009 Chairman
 ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã
‚ããä¼ãÍããÔã¶ã ‡ãŠãñ¡ ‡ãñŠ ¹ãÆãä¦ã ºãö‡ãŠ ‡ãŠã ÒãäÓ›‡ãŠãñ¥ã
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãñŠ àãñ¨ã ½ãò ÔãÌãÃÑãñÓŸ ¹ãÆ©ãã‚ããò
‡ãŠã ‚ãàãÀÍã: ¹ããÊã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆãä¦ãºãªá£ã Öõý ºãö‡ãŠ ‡ãŠã ½ãã¶ã¶ãã Öõ ãä‡ãŠ
„¹ã¾ãì‡ã‹¦ã ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãŠã ½ãÖ¦Ìã ãäÌããä£ã‡ãŠ †Ìãâ ãäÌããä¶ã¾ãã½ã‡ãŠ
‚ã¹ãñàãã‚ããò ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã Ôãñ ‚ããä£ã‡ãŠ Öãñ¦ãã Öõý „¹ã¾ãì‡ã‹¦ã ‚ããä¼ãÍããÔã¶ã Ôãñ
̾ãÌãÔãã¾ã ‡ãñŠ ¹ãƼããÌããè ¹ãƺãâ£ã¶ã ‚ããõÀ ãä¶ã¾ãâ¨ã¥ã ½ãò ÔãìãäÌã£ãã Öãñ¦ããè Öõý ƒÔã‡ãñŠ
‚ã¶ãì¹ããÊã¶ã Ôãñ ºãö‡ãŠ ‡ãŠãÀãñºããÀãè ÔãªãÞããÀ ‡ãŠã „ÞÞã Ô¦ãÀ ºã¶ãㆠÀŒã Ôã‡ãŠ¦ãã
Öõ ‚ããõÀ ‚ã¹ã¶ãñ Ôã¼ããè ãäÖ¦ã£ããÀ‡ãŠãò ‡ãŠãñ ƒÓ›¦ã½ã ¹ããäÀ¥ãã½ã ªñ Ôã‡ãŠ¦ãã Öõý Ôãâàãñ¹ã
½ãò ƒÔã‡ãñŠ „ªáªñ;㠃Ôã ¹ãƇãŠãÀ Öö;
• Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè ¹ãîâ•ããè ½ãò Ìãðªáãä£ã ‡ãŠÀ¶ããý
• ØãÆãÖ‡ãŠãò, ‡ãŠ½ãÃÞãããäÀ¾ããò ¦ã©ãã Ôã½ãØãÆ Ôã½ãã•ã ‡ãñŠ Ôãã©ã-Ôãã©ã Íãñ¾ãÀ£ããÀ‡ãŠãò
¦ã©ã㠂㶾ã ãäÖ¦ã£ããÀ‡ãŠãò ‡ãñŠ ãäÖ¦ããò ‡ãŠãè Ààãã ‡ãŠÀ¶ããý
• Ôãâ¹ãÆñÓã¥ã ½ãò ¹ããÀªãäÍãæãã ‚ããõÀ ƒÃ½ãã¶ãªãÀãè Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã ¦ã©ãã Ôã¼ããè
Ôãâºãâãä£ã¦ã ¹ãàããò ‡ãŠãñ Ôãâ¹ãî¥ãÃ, ÔãÖãè †Ìãâ Ô¹ãÓ› ÔãîÞã¶ãã „¹ãÊ㺣㠇ãŠÀ¶ããý
• ãä¶ãÓ¹ã㪶ã Ôãâºãâ£ããè „¦¦ãÀªããä¾ã¦Ìã Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã ¦ã©ãã Ôã¼ããè Ô¦ãÀãò
¹ãÀ „¦‡ãðŠÓ›¦ãã ÖããäÔãÊã ‡ãŠÀ¶ããý
• †ñÔãã ÔãÌãÃÑãñÓŸ Øãì¥ãÌ㦦ãã¹ãî¥ãà ‡ãŠãÀ¹ããñÀñ› ¶ãñ¦ãð¦Ìã ¹ãƪã¶ã ‡ãŠÀ¶ãã, •ããñ
ªîÔãÀãò ‡ãñŠ ãäÊㆠ‚ã¶ãì‡ãŠÀ¥ããè¾ã Öãñý
ºãö‡ãŠ ãä¶ã½¶ããäÊããäŒã¦ã ºãã¦ããò ‡ãñŠ ãäÊㆠ¹ãÆãä¦ãºãªá£ã Öõ :
• ¾ãÖ Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã ãä‡ãŠ ºãö‡ãŠ ‡ãŠã ãä¶ãªñÍã‡ãŠ ºããñ¡Ã ãä¶ã¾ããä½ã¦ã ºãõŸ‡ãòŠ
‡ãŠÀò, ¹ãƼããÌããè ¶ãñ¦ãð¦Ìã ¹ãƪã¶ã ‡ãŠÀò, ¹ãƺãâ£ã¶ã ¹ãÀ ãä¶ã¾ãâ¨ã¥ã ÀŒãñ ¦ã©ãã
‡ãŠã¾ãùããÊã‡ãŠãò ‡ãñŠ ãä¶ãÓ¹ã㪶㠇ãŠãè ãä¶ãØãÀã¶ããè ‡ãŠÀñý
• ‡ãŠã¾ãöããèãä¦ã‡ãŠ ãä¶ã¾ãâ¨ã¥ã ‡ãŠãè ¹ãÀñŒãã ¦ã¾ã ‡ãŠÀ¶ãã ¦ã©ãã ƒÔã‡ãŠãè
¹ãƼããÌããñ¦¹ã㪇㊦ãã ‡ãŠãè ãä¶ãÀâ¦ãÀ Ôã½ããèàãã ‡ãŠÀ¶ããý
• ¶ããèãä¦ã ãäÌã‡ãŠãÔã, ‡ãŠã¾ããöÌã¾ã¶ã †Ìãâ Ôã½ããèàãã, ãä¶ã¥ãþã¶ã, ãä¶ãØãÀã¶ããè,
ãä¶ã¾ãâ¨ã¥ã ‚ããõÀ ãäÀ¹ããñãä›ÄØã ‡ãñŠ ãäÊㆠÔãìÔ¹ãÓ› ¹ã Ôãñ ãäÊããäŒã¦ã †Ìãâ
¹ããÀªÍããê ¹ãƺãâ£ã¶ã ¹ãÆãä‰ãŠ¾ãã Ô©ãããä¹ã¦ã ‡ãŠÀ¶ããý
• ºããñ¡Ã ‡ãŠãñ ¾ã©ããÌã;ã‡ãŠ Ôã¼ããè ¹ãÆãÔãâãäØã‡ãŠ ÔãîÞã¶ãã†âù, ÔãÊããÖ ‚ããõÀ
ÔãâÔãã£ã¶ã „¹ãÊ㺣㠇ãŠÀã¶ãã ¦ãããä‡ãŠ ÌãÖ ‚ã¹ã¶ããè ¼ãîãä½ã‡ãŠã ‡ãŠã ãä¶ãÌããÃÖ
¹ãƼããÌããè ¤âØã Ôãñ ‡ãŠÀ Ôã‡ãñŠý
• ¾ãÖ Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã ãä‡ãŠ ‚㣾ãàã, ‡ãŠã¾ãùããÊã‡ãŠ ¹ãƺãâ£ã¶ã ‡ãñŠ Ôã¼ããè
¹ãÖÊãì‚ããò ‡ãñŠ ¹ãÆãä¦ã „¦¦ãÀªã¾ããè Öãò ¦ã©ãã ºãö‡ãŠ ‡ãñŠ ãä¶ãÓ¹ã㪶㠂ããõÀ
ºããñ¡Ã ªáÌããÀã ãä¶ã£ããÃãäÀ¦ã ¶ããèãä¦ã¾ããò ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã ‡ãñŠ ãäÊㆠºããñ¡Ã
‡ãñŠ ¹ãÆãä¦ã •ãÌããºãªãÀ Öãòý ‚㣾ãàã ‡ãŠãè ¼ãîãä½ã‡ãŠã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ
‚ããä£ããä¶ã¾ã½ã, 1955 ¦ã©ãã ƒÔã½ãò ãä‡ãŠ† ØㆠÔã¼ããè Ôãâºãâãä£ã¦ã
ÔãâÍããñ£ã¶ããò Ôãñ ¼ããè ãäªÍãããä¶ãªóãäÍã¦ã Öãñ¦ããè Öõý
76
C76 K76
• ¾ãÖ Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã ãä‡ãŠ ¼ããÀ¦ã ÔãÀ‡ãŠãÀ/¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ †Ìãâ
‚㶾ã ãäÌããä¶ã¾ãã½ã‡ãŠãò †Ìãâ ºããñ¡Ã ªáÌããÀã ãä¶ã£ããÃãäÀ¦ã Ôã¼ããè ¹ãƾããñ•¾ã ÔãâãäÌããä£ã¾ããò
ãäÌããä¶ã¾ã½ããò ‚ããõÀ ‚㶾㠇ãŠã¾ãÃãäÌããä£ã¾ããò, ¶ããèãä¦ã¾ããò ‡ãŠã ‚ã¶ãì¹ããÊã¶ã Ôãìãä¶ããäÍÞã¦ã
‡ãŠÀ¶ãñ ‚ããõÀ ¾ããäª ‡ãŠãñƒÃ ãäÌãÞãÊã¶ã Öãñ ¦ããñ „Ôã‡ãŠãè ÔãîÞã¶ãã ºããñ¡Ã ‡ãŠãñ ªñ¶ãñ
‡ãñŠ ãäÊㆠãä‡ãŠÔããè ÌããäÀÓŸ ‡ãŠã¾ãùããÊã‡ãŠ ‡ãŠãñ ºããñ¡Ã ‡ãñŠ ¹ãÆãä¦ã „¦¦ãÀªã¾ããè
ºã¶ãã¾ãã •ãã†ý
Íãñ¾ãÀ ºãã•ããÀãò ‡ãñŠ Ôãã©ã ãäÊããäÔ›âØã †ØãÆãè½ãò› ‡ãñŠ Œãâ¡ 49 ‡ãñŠ ‚ã¶ãìÔããÀ ºãö‡ãŠ ¶ãñ
„¶ã ½ãã½ãÊããò ‡ãŠãñ œãñü¡‡ãŠÀ •ãÖãâù Œãâ¡ 49 ‡ãñŠ ¹ãÆãÌã£ãã¶ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ
‚ããä£ããä¶ã¾ã½ã 1955 ¦ã©ãã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ/¼ããÀ¦ã ÔãÀ‡ãŠãÀ ªáÌããÀã •ããÀãè
ãä‡ãŠ† Øㆠãä¶ãªñÍããò ‡ãñŠ ‚ã¶ãì¹㠶ãÖãé Öö, ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãñŠ ¹ãÆãÌã£ãã¶ããò
‡ãŠã ‚ã¶ãì¹ããÊã¶ã ãä‡ãŠ¾ãã Öõý ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãñŠ ƒ¶ã ¹ãÆãÌã£ãã¶ããò ‡ãñŠ
‡ãŠã¾ããöÌã¾ã¶ã ¹ãÀ †‡ãŠ ãäÀ¹ããñ›Ã ¶ããèÞãñ ¹ãÆÔ¦ãì¦ã ‡ãŠãè ØãƒÃ Öõý
ºããñ¡Ã ‡ãŠãè ÔãâÀÞã¶ãã
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠã Ø㟶ã ÌãÓãà 1955 ½ãò ÔãâÔ㪠ªáÌããÀã ¹ãããäÀ¦ã †‡ãŠ
‚ããä£ããä¶ã¾ã½ã ‚ã©ããæ㠼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã 1955 (‚ããä£ããä¶ã¾ã½ã)
Ôãñ Öì‚ããý ƒÔã ‚ããä£ããä¶ã¾ã½ã ‡ãñŠ ‚ã¶ãìÔããÀ ‡ãòŠ³ãè¾ã ãä¶ãªñÍã‡ãŠ ºããñ¡Ã ‡ãŠã Ø㟶ã
ãä‡ãŠ¾ãã Øã¾ãã ©ããý ºããñ¡Ã ‡ãŠãè ‚ã£¾ãàã¦ãã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè
£ããÀã 19 (‡ãŠ) ‡ãñŠ ‚ãâ¦ãØãæã ãä¶ã¾ãì‡ã‹¦ã ºãö‡ãŠ ‡ãñŠ ‚㣾ãàã ‡ãŠÀ¦ãñ Öö; ¼ããÀ¦ããè¾ã
Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19 (Œã) ‡ãñŠ ‚ãâ¦ãØãæã ãä¶ã¾ãì‡ã‹¦ã ªãñ ¹ãƺãâ£ã
ãä¶ãªñÍã‡ãŠ ¼ããè ƒÔã ºããñ¡Ã ‡ãñŠ ÔãªÔ¾ã Ööý ‚㣾ãàã †Ìãâ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ¹ãî¥ãÇãŠããäÊã‡ãŠ
ãä¶ãªñÍã‡ãŠ Öãñ¦ãñ Ööý 31 ½ããÞãà 2009 ‡ãŠãñ ºããñ¡Ã ½ãò ãäÍãàãã •ãØã¦ã ‡ãñŠ ãäÌããäÍãÓ›
̾ããä‡ã‹¦ã¾ããò Ôããä֦㠇ãìŠÊã 10 ‚㶾ã ãä¶ãªñÍã‡ãŠ ©ãñý ƒ¶ã½ãò Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ
¹ãÆãä¦ããä¶ããä£ã, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ †Ìãâ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ¶ãããä½ã¦ããè ‚ããä£ã‡ãŠãÀãè
†Ìãâ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã 1955 ‡ãŠãè £ããÀã 19 (Üã) ‡ãñŠ ‚ãâ¦ãØãæã
¼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã ¶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ Íãããä½ãÊã Ööý ¹ãî¥ãÇãŠããäÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò
ãä•ã¶ã½ãò ‚㣾ãàã ‚ããõÀ ªãñ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Íãããä½ãÊã Öö, ‡ãñŠ ‚ãÊããÌãã 31 ½ããÞãÃ
2009 ‡ãŠãñ ºããñ¡Ã ‡ãŠã ÔÌã¹ã ãä¶ã½¶ãã¶ãìÔããÀ ©ãã :
• £ããÀã 19 (Øã) ‡ãñ Š ‚ãâ ¦ ãØãà ¦ ã Íãñ ¾ ãÀ£ããÀ‡ãŠãò ªá Ì ããÀã ãä ¶ ãÌããà ã ä Þ ã¦ã
ÞããÀ ãä¶ãªñÍã‡ãŠ,
• ‡ãòŠ³ãè¾ã ÔãÀ‡ãŠãÀ ªáÌããÀã £ããÀã 19 (Üã) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã
ÞããÀ ãä¶ãªñÍã‡ãŠ,
• ‡ãòŠ³ãè¾ã ÔãÀ‡ãŠãÀ ªáÌããÀã £ããÀã 19 (Ý) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã †‡ãŠ ãä¶ãªñÍã‡ãŠ
ãä•ã¶Öãòñ¶ãñ 30 ‚ã¹ãÆõÊã 2009 ‡ãŠãñ ‚ããä£ãÌããäÓãæãã ‡ãŠãè ‚ãã¾ãì ‡ãŠãñ ¹ãÆ㹦㠇ãŠÀ
ãäÊã¾ãã ¦ã©ãã
• ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ªáÌããÀã £ããÀã 19 (Þã) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã †‡ãŠ
ãä¶ãªñÍã‡ãŠý
ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ‡ãŠã Ø㟶㠌ãâ¡ 49 ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãŠã ‚ã¶ãì¹ããÊã¶ã ‡ãŠÀ¦ãñ
Öì† ãä‡ãŠ¾ãã Øã¾ãã Öõý
 CORPORATE GOVERNANCE
The Bank’s Philosophy on Code of Governance
State Bank of India is committed to the best
practices in the area of corporate governance, in
letter and in spirit. The Bank believes that good
corporate governance is much more than complying
with legal and regulatory requirements. Good
governance facilitates effective management and
control of business, enables the Bank to maintain
a high level of business ethics and to optimize the
value for all its stakeholders. The objectives can be
summarized as:
• To enhance shareholder value.
• To protect the interests of shareholders and other
stakeholders including customers, employees
and society at large.
• To ensure transparency and integrity in
communication and to make available full,
accurate and clear information to all concerned.
• To ensure accountability for performance and to
achieve excellence at all levels.
• To provide corporate leadership of highest
standard for others to emulate.
The Bank is committed to:
• Ensuring that the Bank’s Board of Directors
meets regularly, provides effective leadership,
exercises control over management and monitors
executive performance.
• Establishing a framework of strategic control and
continuously reviewing its efficacy.
• Establishing clearly documented and transparent
management processes for policy development,
implementation and review, decision-making,
monitoring, control and reporting.
• Providing free access to the Board to all relevant
information, advices and resources as are necessary
to enable it to carry out its role effectively.
• Ensuring that the Chairman has responsibility
for all aspects of executive management and is
accountable to the Board for the ultimate
performance of the Bank and implementation of
the policies laid down by the Board. The role
of the Chairman and the Board of Directors are
also guided by the SBI Act, 1955, with all
relevant amendments.
77
C77 K77
• Ensuring that a senior executive is made
responsible in respect of compliance issues with
all applicable statutes, regulations and other
procedures, policies as laid down by the GOI/
RBI and other regulators and the Board, and
report deviation, if any.
The Bank has complied with the provisions of
Corporate Governance as per Clause 49 of the
Listing Agreement with the Stock Exchange except
where the provisions of Clause 49 are not in
conformity with SBI Act, 1955 and the directives
issued by RBI/GOI. A report on the implementation
of these provisions of Corporate Governance in the
Bank is furnished below.
Composition of the Board
State Bank of India was formed in 1955 by an Act
of the Parliament, i.e., The State Bank of India Act,
1955 (Act). A Central Board of Directors was constituted
according to the Act. The Board is headed by the
Chairman, appointed under section 19(a) of SBI Act;
two Managing Directors are also appointed members
of the Board under section 19(b) of SBI Act. The
Chairman and Managing Directors are whole time
Directors. As on 31st March 2009, there were 10 other
directors on the Board including eminent personalities
from academics. These included representatives of
shareholders, nominee officials of Government of India
and Reserve Bank of India and directors nominated
by the Government of India under Section 19(d) of
the State Bank of India Act, 1955. Apart from the
whole time Directors comprising Chairman and two
Managing Directors, the composition of the Board as
on the 31st March 2009, was as under :
• four directors, elected by the shareholders
under Section 19(c),
• four directors, nominated by the Central
Government under Section 19(d),
• one director, nominated by the Central
Government under Section 19(e), who attained
superannuation as at the close of business on
30th April 2009 and
• one director, nominated by the Reserve Bank
of India under Section 19(f).
The composition of the board complies with
provisions laid down in Clause 49.
ØãõÀ-‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠã Ôãâãàä 㹦㠹ããäÀÞã¾ã ‚ã¶ãìÊãضã‡ãŠ I ½ãò ã䪾ãã (5) ºãü¡ãè ÀããäÍã (1 ‡ãŠÀãñü¡ Á¹ã† ¦ã©ãã „ÔãÔãñ ‚ããä£ã‡ãŠ) ‡ãŠãè £ããñŒãã£ãü¡ãè
Øã¾ãã Öõý ‚㶾㠺ããñ¡ãô/Ôããä½ããä¦ã¾ããò ½ãò „¶ã‡ãñŠ ªáÌããÀã £ãããäÀ¦ã ãä¶ãªñÍã‡ãŠ ¹ãªãò/ ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãñŠ ãäÊㆠãä¶ãªñÍã‡ãŠãò ‡ãŠãè ãäÌãÍãñÓã Ôããä½ããä¦ã, (6) ØãÆãÖ‡ãŠ
ÔãªÔ¾ã¦ãã‚ããò ‡ãŠã ãäÌãÌãÀ¥ã ‚ã¶ãìÊãضã‡ãŠ II ½ãò ã䪾ãã Øã¾ãã Öõ ¦ã©ãã ºãö‡ãŠ ½ãò ÔãñÌãã Ôããä½ããä¦ã, (7) ¹ãÆãõªá¾ããñãäØã‡ãŠãè Ôããä½ããä¦ã, (8) ØãÆã½ããè¥ã àãñ¨ã ̾ãÌãÔãã¾ã
„¶ã‡ãŠãè Íãñ¾ãÀ£ãããäÀ¦ãã ‡ãŠã ãäÌãÌãÀ¥ã ‚ã¶ãìÊãضã‡ãŠ III ½ãò ã䪾ãã Øã¾ãã Öõý Ôããä½ããä¦ã ¦ã©ãã (9) ºããñ¡Ã ‡ãŠãè ¹ãããäÀÑããä½ã‡ãŠ Ôããä½ããä¦ãý
Ôããä½ããä¦ã¾ããâù ‡ãòŠ³ãè¾ã ºããñ¡Ã ‚ããõÀ „Ôã‡ãŠãè Ôããä½ããä¦ã¾ããò ‡ãŠãè ºãõŸ‡ãòŠ
‡ãòŠ³ãè¾ã ºããñ¡Ã ¶ãñ ãä¶ãªñÍã‡ãŠãò ‡ãŠãè ¶ããõ Ôããä½ããä¦ã¾ããâù Øãã䟦㠇ãŠãè Ööý ¾ãñ Öö- ºãö‡ãŠ ‡ãñŠ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ÌãÓãà ½ãò ‡ãŠ½ã Ôãñ ‡ãŠ½ã œÖ ºãõŸ‡ãòŠ ‚ãã¾ããñã•ä ã¦ã ‡ãŠãè •ãã¦ããè
(1) ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã, (2) ÊãñŒãã-¹ãÀãèàãã Ôããä½ããä¦ã, (3) Íãñ¾ãÀ£ããÀ‡ãŠ/ Ööý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè 9 ºãõŸ‡ãòŠ ‚ãã¾ããñã•ä ã¦ã ‡ãŠãè
ãä¶ãÌãñÍã‡ãŠ ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã Ôããä½ããä¦ã, (4) •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã, ØãƒÄý ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù ‚ããõÀ ãä¶ãªñÍã‡ãŠãò ‡ãŠãè „¹ããäÔ©ããä¦ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ :
¦ãããäÊã‡ãŠã : 13 ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‚ãã¾ããñãä•ã¦ã ºããñ¡Ã ‡ãŠãè ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù ‚ããõÀ „¶ã½ãò ãä¶ãªñÍã‡ãŠãò ‡ãŠãè „¹ããäÔ©ããä¦ã
‚ãã¾ããñãä•ã¦ã ºãõŸ‡ãŠãò ‡ãŠãè Ôã⌾ãã: 9
ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù : 02.05.2008, 11.06.2008, 25.06.2008, 26.07.2008, 19.09.2008, 27.10.2008,
26.12.2008, 24.01.2009, 30.03.2009
Ñããè ‚ããñ. ¹ããè. ¼ã›á›, ‚㣾ãàã, Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ, ¡ãù.‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, ¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè ¦ã©ãã
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã, ãä¶ãªñÍã‡ãŠ Ôã¼ããè ¶ããõ ºãõŸ‡ãŠãò ½ãò „¹ããäÔ©ã¦ã ÀÖñý ‚㶾ã ãä¶ãªñÍã‡ãŠãò ‡ãŠãè „¹ããäÔ©ããä¦ã ‡ãŠãè ãä¦ããä©ã¾ããâù ãä¶ã½¶ãã¶ãìÔããÀ Öö :
ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã ¶ãã½ããâ‡ãŠ¶ã/Þã¾ã¶ã ‡ãñŠ „¶ã ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù
ºã㪠‚ãã¾ããñãä•ã¦ã Ôã⌾ãã ãä•ã¶ã½ãò
ºãõŸ‡ãŠãò ‡ãŠãè Ôã⌾ãã „¹ããäÔ©ã¦ã ©ãñ

Ñããè ‚ããÀ. Ñããè£ãÀ¶ã (5.12.2008 Ôãñ) 3 3 26.12.2008, 24.01.2009,

30.03.2009
Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè (18.6.2008 ‡ãŠãñ 4 2 02.05.2008, 11.06.2008
¦¾ããØã¹ã¨ã ã䪾ãã; 24.06.2008 Ôãñ ¹ãì¶ã:
Þã¾ããä¶ã¦ã; 18.09.2008 ‡ãŠãñ ¦¾ããØã¹ã¨ã ã䪾ãã)
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè (24.06.2008 Ôãñ) 7 5 25.06.2008, 27.10.2008,
26.12.2008, 24.01.2009,
30.03.2009
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã (24.06.2008 Ôãñ) 7 7 25.06.2008, 26.07.2008,
19.09.2008, 27.10.2008,
26.12.2008, 24.01.2009,
30.03.2009
Ñããè ¡ãè. ÔãìâªÀ½ã (13.01.2009 Ôãñ) 2 2 24.01.2009, 30.03.2009
Ñããè †. Ôããè. ‡ãŠãäÊã¦ãã (31.05.2008 ¦ã‡ãŠ) 1 1 02.05.2008
¹ãÆãñ.½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè 9 6 02.05.2008, 11.06.2008,
25.06.2008, 26.07.2008,
27.10.2008, 24.01.2009
¡ãù. Àã•ããèÌã ‡ã슽ããÀ (08.09.2008 Ôãñ) 5 2 27.10.2008, 30.03.2009
Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã 9 3 25.06.2008, 19.09.2008,
27.10.2008
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã 9 6 02.05.2008, 11.06.2008,
25.06.2008, 26.07.2008,
26.12.2008, 24.01.2009

78

C78 K78
A brief resume of each of the non-executive Directors
is presented in Annexure I. Particulars of the
directorships/memberships held by all the Directors
in various Boards/Committees are presented in
Annexure II and the details of their shareholding
in the Bank are mentioned in Annexure III.
Committees
The Central Board had constituted nine Committees
of Directors, namely, (1) Executive Committee, (2)
Audit Committee, (3) Shareholders’/Investors’
Grievance Committee, (4) Risk Management
Committee, (5) Special Committee for Monitoring
of Large Value Frauds (Rs.1crore and above), (6)
Customer Service Committee, (7) Technology
Committee, (8) Committee on Rural Sector Business
and (9) Remuneration Committee of the Board.
Meetings of the Central Board and its Committees
The Bank’s Central Board meets a minimum of six
times a year. During the year 2008-09, nine Central
Board Meetings were held. The dates of the
meetings and attendance of the directors are as
under :

Table : 13 Dates & Attendance of Directors at Board Meetings during 2008-09

No. of Meetings held : 9

Dates of the Meetings : 02.05.2008, 11.06.2008, 25.06.2008, 26.07.2008, 19.09.2008, 27.10.2008,
26.12.2008, 24.01.2009, 30.03.2009
Shri O.P. Bhatt, Chairman, Shri S.K. Bhattacharyya, Managing Director, Dr. Ashok Jhunjhunwala,
Dr. Deva Nand Balodhi and Dr. (Mrs.) Vasantha Bharucha, Directors attended all the nine Meetings.
Dates of attendance of other Directors are as given below :
Name of the Director No. of Meetings No. of Dates
held after Meetings
nomination/ attended
election
Shri R. Sridharan (w.e.f. 05.12.2008) 3 3 26.12.2008, 24.01.2009,
30.03.2009
Shri Suman Kumar Bery (resigned on 4 2 02.05.2008, 11.06.2008
18.06.2008; re-elected w.e.f. 24.06.2008;
resigned on 18.09.2008)
Shri Dileep C. Choksi (w.e.f.24.06.2008) 7 5 25.06.2008, 27.10.2008,
26.12.2008, 24.01.2009,
30.03.2009
Shri S. Venkatachalam (w.e.f.24.06.2008) 7 7 25.06.2008, 26.07.2008,
19.09.2008, 27.10.2008,
26.12.2008, 24.01.2009,
30.03.2009
Shri D. Sundaram (w.e.f. 13.01.2009) 2 2 24.01.2009, 30.03.2009
Shri A.C. Kalita (upto 31.05.2008) 1 1 02.05.2008
Prof. Md. Salahuddin Ansari 9 6 02.05.2008, 11.06.2008,
25.06.2008, 26.07.2008,
27.10.2008, 24.01.2009
Dr. Rajiv Kumar (w.e.f. 08.09.2008) 5 2 27.10.2008, 30.03.2009
Shri Arun Ramanathan 9 3 25.06.2008, 19.09.2008,
27.10.2008
Smt. Shyamala Gopinath 9 6 02.05.2008, 11.06.2008,
25.06.2008, 26.07.2008,
26.12.2008, 24.01.2009

79

C79 K79
‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã
‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã (ƒÃÔããèÔããèºããè) ‡ãŠã Ø㟶㠼ããÀ¦ããè¾ã ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã (†Ôããèºããè) ‡ãŠã Ø㟶ã 27 •ãìÊããƒÃ 1994 ‡ãŠãñ †Ìãâ
Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã 1955 ‡ãŠãè £ããÀã 30 ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã •ãã¦ãã Öõý ãä¹ãœÊããè ºããÀ ƒÔã‡ãŠã ¹ãì¶ãØã߶ã 9 ½ãƒÃ 2009 ‡ãŠãñ ãä‡ãŠ¾ãã Øã¾ãã ©ããý ºããñ¡Ã ‡ãŠãè
ƒÔã ‚ããä£ããä¶ã¾ã½ã ‡ãñŠ ‚ã¶ãìÔããÀ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã, ºããñ¡Ã ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ¼ããÀ¦ããè¾ã ãäÀ•û ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ãâ¦ãØãæ㠇ãŠã¾ãÃ
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ãä¶ã£ããÃãäÀ¦ã Íã¦ããô ‡ãñŠ ‚ã£ããè¶ã ‡ãŠã¾ãà ‡ãŠÀ¦ããè Öõý ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ Ôãã½ã㶾ã Ôããè½ãã ¦ã‡ãŠ ‡ãŠÀ¦ããè Öõ ãä‡ãŠ ¼ããÀ¦ããè¾ã ãäÀ•û ãÌãà ºãö‡ãŠ ªáÌããÀã •ããÀãè ãä¶ãªóÍããò/ãäªÍãããä¶ãªóÍããò
ãäÌããä¶ã¾ã½ã (46 †Ìãâ 47) ½ãò ¹ãÆãÌã£ãã¶ã Öõ ãä‡ãŠ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãñŠ Ôãã½ã㶾㠇ãŠã „ÊÊãâÜã¶ã ¶ãÖãé Öãñ¶ãñ ¹ãã†ý
‚ã©ãÌãã ãäÌãÍãñÓã ãä¶ãªñÍããò ‡ãñŠ ‚ã£ããè¶ã ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ‡ãñŠ ‡ãŠã¾ãÃ
‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè àã½ã¦ãã ½ãò ‚ãã¶ãñ ÌããÊãñ ãä‡ãŠÔããè ¼ããè ½ãã½ãÊãñ ‡ãŠã ãä¶ã¹ã›ã¶ã ‡ãŠÀ (‡ãŠ) ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ºãö‡ãŠ ‡ãñŠ Ôã½ãÔ¦ã ÊãñŒãã ¹ãÀãèàãã ‡ãŠã¾ãà ‡ãñŠ ¹ããäÀÞããÊã¶ã
Ôã‡ãŠ¦ããè Öõý ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã ½ãò ‚㣾ãàã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ, Öñ¦ãì ãäªÍãããä¶ãªóÍã ªñ¦ããè Öõ ¦ã©ãã „¶ã‡ãŠã ¹ã¾ãÃÌãñàã¥ã ¼ããè ‡ãŠÀ¦ããè Öõý Ôã½ãÔ¦ã ÊãñŒãã
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19 (Þã) ‡ãñŠ ‚ãâ¦ãØãæ㠶ãããä½ã¦ã ¹ãÀãèàãã ‡ãŠã¾ãà Ôãñ ‚ããÍã¾ã ºãö‡ãŠ ‡ãñŠ ¼ããè¦ãÀ ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã ¹ãÀãèàãã †Ìãâ ãä¶ãÀãèàã¥ã
ãä¶ãªñÍã‡ãŠ (¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ¶ãããä½ã¦ããè) ‚ããõÀ ¼ããÀ¦ã ½ãò ãä•ãÔã Ô©ãã¶ã ¹ãÀ ‡ãŠãè ̾ãÌãÔ©ãã, ¹ããäÀÞããÊã¶ã ‚ããõÀ Øãì¥ãÌ㦦ãã ãä¶ã¾ãâ¨ã¥ã ¦ã©ãã ºãö‡ãŠ ‡ãŠãè ÔããâãÌä ããä£ã‡ãŠ/
ºãõŸ‡ãŠ ‚ãã¾ããñãä•ã¦ã ‡ãŠãè •ãã ÀÖãè Öãñ, „Ôã Ô©ãã¶ã ¹ãÀ Ôãã½ã㶾ã ¹ã Ôãñ ãä¶ãÌããÔã ºããÖá¾ã ÊãñŒãã ¹ãÀãèàãã ‚ããõÀ ¼ããÀ¦ããè¾ã ãäÀ•û ãÌãà ºãö‡ãŠ ‡ãŠñ ãä¶ãÀãèàã¥ã Ôãñ Ôãâºãâã£ä ã¦ã
‡ãŠÀ ÀÖñ ‚ã©ãÌãã „Ôã Ôã½ã¾ã ÌãÖãâù „¹ããäÔ©ã¦ã Ôã¼ããè ¾ãã ‡ãŠãñƒÃ ‚㶾ã ãä¶ãªñÍã‡ãŠ ‚ã¶ãìÌã¦ããê ‡ãŠãÀÃÌããƒÃ ‡ãŠÀ¶ãñ Ôãñ Öõý
Íãããä½ãÊã Öãñ¦ãñ Ööý ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã ‡ãŠãè †‡ãŠ ºãõŸ‡ãŠ (Œã) ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ºãö‡ãŠ ½ãò ‚ããâ¦ããäÀ‡ãŠ ãä¶ãÀãèàã¥ã/ÊãñŒãã ¹ãÀãèàãã
¹ãƦ¾ãñ‡ãŠ Ô㹦ããÖ ½ãò ‚ãã¾ããñãä•ã¦ã ‡ãŠãè •ãã¦ããè Öõý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‡ãŠã¾ãùãÆ¥ããÊããè, „Ôã‡ãŠãè Øãì¥ãÌ㦦ãã †Ìãâ ‚ã¶ãìÌã¦ãö㠇ãŠãè ÒãäÓ› Ôãñ ¹ãƼããÌã‡ãŠããäÀ¦ãã
‚ãã¾ããñãä•ã¦ã ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã ‡ãŠãè ºãõŸ‡ãŠãò ½ãò „¹ããäÔ©ããä¦ã ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ããè Öõý ¾ãÖ Ôããä½ããä¦ã ãäÌãÍãñÓããè‡ãðŠ¦ã †Ìã⠂㦾ããä£ã‡ãŠ ºãü¡ãè
ÍããŒãã‚ããò ¦ã©ãã ‚ãÔãâ¦ããñÓã•ã¶ã‡ãŠ Ñãñ¥ããè ¹ãÆ㹦ã Ôã¼ããè ÍããŒãã‚ããò ‡ãŠãè ãä¶ãÀãèàã¥ã
‡ãŠã ãäÌãÌãÀ¥ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ-
ãäÀ¹ããñ›ãô ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ããè Öõý ¾ãÖ Ôããä½ããä¦ã ãä¶ã½¶ããäÊããäŒã¦ã ‡ãñŠ ‚ã¶ãìÌã¦ãöã
¦ãããäÊã‡ãŠã: 14 ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ¹ãÀ ãäÌãÍãñÓã £¾ãã¶ã ¼ããè ªñ¦ããè Öõ :
‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã ‡ãŠãè ºãõŸ‡ãŠãò ½ãò „¹ããäÔ©ããä¦ã
• ‚ãâ¦ãÀ-ÍããŒãã Ôã½ãã¾ããñ•ã¶ã Œãã¦ãñ
‚ãã¾ããñãä•ã¦ã ºãõŸ‡ãŠãò ‡ãŠãè ‡ãìŠÊã Ôã⌾ãã 53
• ‚ãâ¦ãÀ-ºãö‡ãŠ Œãã¦ããò ¦ã©ãã ¶ããùÔ›Èãñ/ÌããùÔ›Èãñ Œãã¦ããò ‡ãŠãè Êãâºãñ Ôã½ã¾ã Ôãñ
ãä¶ãªñÍã‡ãŠ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè
‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã Ôã½ãã£ãã¶ã ¶ã ÖìƒÃ ¹ãÆãäÌããäÓ›¾ããâ
‡ãŠãè ºãõŸ‡ãŠãò ‡ãŠãè Ôã⌾ãã • ãäÌããä¼ã¶¶ã ÍããŒãã‚ããò ‡ãŠãè ºããäÖ¾ããò ‡ãñŠ Ôã½ã¦ãìÊã¶ã ‡ãŠã ºã‡ãŠã¾ãã ‡ãŠã¾ãÃ
1. Ñããè ‚ããñ. ¹ããè. ¼ã›á›, ‚㣾ãàã 51 • £ããñŒãã£ããäü¡¾ããâù
2. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ • ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã ‡ãŠã¾ãà ‚ããõÀ ̾ãÌãÔ©ãã Ôãñ Ôãâºãâãä£ã¦ã ‚㶾ã Ôã¼ããè
†Ìãâ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè 46 ½ãÖ¦Ìã¹ãî¥ãà àãñ¨ã
3. Ñããè ‚ããÀ Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ (Øã) ¾ãÖ ºãö‡ãŠ ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ãäÌã¼ããØã Ôãñ ‚ã£ãà ÌãããäÓãÇ㊠ãäÀ¹ããñ›ô ¹ãÆ㹦㠇ãŠÀ¦ããè Öõ
Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãØä ã¾ããâ)ù ¦ã©ãã „¶ã‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ããè Öõý
(05.12.2008 Ôãñ) 15
(Üã) ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ÔããâãäÌããä£ã‡ãŠ ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãŠãè ãäÌãÔ¦ãð¦ã
4. Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè (24.06.2008 Ôãñ) 28
(ÊããâØã ¹ãŠã½ãÃ) ÊãñŒãã ¹ãÀãèàãã ãäÀ¹ããñ›ãô ½ãò „Ÿã† ØㆠÔã¼ããè ãäÌãÓã¾ããò ¹ãÀ
5. Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã (24.06.2008 Ôãñ) 38
‚ã¶ãìÌã¦ããê ‡ãŠãÀÃÌããƒÃ ‡ãŠÀ¦ããè Öõý ÌãããäÓãÇãŠ/‚ã£ãà ÌãããäÓãÇãŠ/¨ãõ½ãããäÔã‡ãŠ ãäÌ㦦ããè¾ã
6. Ñããè ¡ãè. ÔãìâªÀ½ã (13.01.2009 Ôãñ) 09
Œãã¦ããò †Ìãâ ãäÀ¹ããñ›ãô ‡ãŠãñ ‚ãâãä¦ã½ã ¹㠪ñ¶ãñ Ôãñ ¹ãîÌãà ¾ãÖ Ôããä½ããä¦ã ºããÖá¾ã
7. ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã 16
ÊãñŒãã ¹ãÀãèàã‡ãŠãò Ôãñ ãäÌãÞããÀ ãäÌã½ãÍãà ‡ãŠÀ¦ããè Öõý
8. Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè (18.09.2008 ¦ã‡ãŠ) 04
‡ãòŠ³ãè¾ã ºããñ¡Ã ªáÌããÀã †‡ãŠ ‚ããõ¹ãÞãããäÀ‡ãŠ `‚ããùãä¡› Þãã›ÃÀ' ‚ã©ãÌãã `›½ÔãÃ
9. Ñããè †. Ôããè. ‡ãŠãäÊã¦ãã (31.05.2008 ¦ã‡ãŠ) 06
‚ããù¹ãŠ Àñ¹ãŠÀòÔã' ãä¶ããäªÃÓ› ãä‡ãŠ† Øã†, ãä•ã¶ã½ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ
10. ¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè 38
ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¶ãñÌããÊããè ‚ã¹ãñàãã‚ããò ‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã Œãâ¡
11. ¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè 19
49 ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¶ãñÌããÊããè ‚ã¹ãñàãã‚ããò ‡ãŠãñ Ôããä½½ããäÊã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
12. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã 31
Ø㟶㠆Ìãâ ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã „¹ããäÔ©ããä¦ã
13. ¡ãù. Àã•ããèÌã ‡ã슽ããÀ (08.09.2008 Ôãñ) 04
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã
14. Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã 02
Ôããä½ããä¦ã ½ãò Ôãã¦ã ÔãªÔ¾ã Öãñ¦ãñ Ööý ƒ¶ã½ãò ªãñ ¹ãî¥ãÇãŠããäÊã‡ãŠ ãä¶ãªñÍã‡ãŠ, ªãñ
15. Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã 09
ÔãÀ‡ãŠãÀãè ãä¶ãªñÍã‡ãŠ (¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¦ã©ãã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ¶ãããä½ã¦ããè)

80

C80 K80
Executive Committee of the Central Board Audit Committee of the Board
The Executive Committee of the Central Board (ECCB) The Audit Committee of the Board (ACB) was
is constituted in terms of Section 30 of the SBI Act, constituted on the 27th July 1994 and last re-
1955. According to the Act, ECCB exercises powers constituted on the 9th May 2009. The ACB functions
delegated by the Board and functions subject to the as per RBI guidelines and complies with the
conditions imposed by the Board. The State Bank of provisions of Clause 49 of the Listing Agreement
India General Regulations (46 & 47) provide that, to the extent that they do not violate the directives/
subject to the general or special directions of the guidelines issued by RBI.
Central Board, ECCB may deal with any matter within Functions of ACB
the competence of the Central Board. ECCB consists
(a) ACB provides direction as also oversees the
of the Chairman, the Managing Directors, the Director
operation of the total audit function in the Bank.
nominated under Section 19(f) of the SBI Act (Reserve
Total audit function implies the organization,
Bank of India nominee), and all or any of the other
operationalisation and quality control of internal
Directors who are normally residents or may for the
audit and inspection within the Bank, and
time being be present at any place within India where
follow-up on the statutory/external audit of the
the meeting is held. The ECCB meetings are held once
Bank and inspection by RBI.
every week. The details of attendance of ECCB
Meetings during the year 2008-09 are as under : (b) ACB reviews the internal inspection/audit
functions in the Bank – the system, its quality
Table : 14 Attendance of ECCB Meetings and effectiveness in terms of follow-up. It
during 2008-09. reviews the inspection reports of specialized
Total No. of Meetings : 53 and extra-large branches and all branches with
Directors No. of ECCB unsatisfactory ratings. It also, especially, focuses
meetings on the follow-up of:
1. Shri O.P. Bhatt, Chairman 51 • Inter-branch adjustment accounts
2. Shri S.K. Bhattacharyya, • Unreconciled long outstanding entries in inter-
M.D. & CCRO 46 bank accounts and nostro/vostro accounts
3. Shri R. Sridharan, MD & • Arrears in balancing of books at various
GE (A&S) (w.e.f. 05.12.2008) 15 branches
4. Shri Dileep C. Choksi • Frauds
(w.e.f. 24.06.2008) 28 • All other major areas of housekeeping
5. Shri S. Venkatachalam (c) It obtains and reviews half-yearly reports from
(w.e.f. 24.06.2008) 38 the Compliance Department in the Bank.
6. Shri D. Sundaram (d) ACB follows up on all the issues raised in the
(w.e.f. 13.01.2009) 09 Long Form Audit Reports of the Statutory
7. Dr. Ashok Jhunjhunwala 16 Auditors. It interacts with the external auditors
8. Shri Suman Kumar Bery before the finalisation of the annual/half-yearly/
(upto 18.09.2008) 04 quarterly financial accounts and reports.
9. Shri A.C. Kalita A formal ‘Audit Charter’ or ‘Terms of Reference’
(upto 31.05.2008) 06 laid down by the Central Board, incorporating
10. Dr. Deva Nand Balodhi 38 the requirements under Clause-49 in addition
11. Prof. Md. Salahuddin Ansari 19 to those under RBI guidelines, is in place.
12. Dr. (Mrs.) Vasantha Bharucha 31 Composition & Attendance during 2008-09
13. Dr. Rajiv Kumar The ACB has seven members of the Board of
(w.e.f. 08.09.2008) 04 Directors, including two whole time Directors, two
official Directors (nominees of GOI and RBI), and
14. Shri Arun Ramanathan 02
three non-official, non-executive Directors. Meetings
15. Smt. Shyamala Gopinath 09 of the ACB are chaired by a non-executive Director.

81

C81 K81
¦ã©ãã ¦ããè¶ã ØãõÀ-ÔãÀ‡ãŠãÀãè, ØãõÀ-‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ Öãñ¦ãñ Ööý ƒÔã Ôããä½ããä¦ã ‡ãŠã Ô㌦ããè Ôãñ ‚ã¶ãì¹ããÊã¶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ‚ããâ¦ããäÀ‡ãŠ ãä¶ã¾ãâ¨ã¥ã, ¹ãÆ¥ãããäÊã¾ããò
‡ãŠãè ºãõŸ‡ãŠãò ‡ãŠãè ‚ã£¾ãàã¦ãã ØãõÀ-‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ ´ãÀã ‡ãŠãè •ãã¦ããè Öõý †Ìãâ ‡ãŠã¾ãÃãäÌããä£ã¾ããò ¦ã©ãã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ‡ãŠãñÀ½ã Ôãâºãâ£ããè ‚ã¹ãñàãã‚ããò ‚ã¹ãñãäàã¦ã ‚㶾㠹ãÖÊãì‚ããò Ôãñ •ãìü¡ñ ãäÌããä¼ã¶¶ã ½ãã½ãÊããò ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¶ãñ ‡ãñŠ
¦ãããäÊã‡ãŠã : 15 ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‚ãã¾ããñãä•ã¦ã ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ‡ãŠãè ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù ‚ããõÀ „¶ã½ãò ãä¶ãªñÍã‡ãŠãò ‡ãŠãè „¹ããäÔ©ããä¦ã
‚ãã¾ããñãä•ã¦ã ºãõŸ‡ãŠãò ‡ãŠãè Ôã⌾ãã : 9
ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù : 01.05.2008, 25.07.2008, 18.09.2008, 15.10.2008, 25.10.2008,
27.12.2008, 23.01.2009, 16.03.2009, 21.03.2009
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè Ôã¼ããè ¶ããõ ºãõŸ‡ãŠãò ½ãò „¹ããäÔ©ã¦ã ÀÖñý ‚㶾ã ãä¶ãªñÍã‡ãŠãò ‡ãŠãè
„¹ããäÔ©ããä¦ã ‡ãŠãè ãä¦ããä©ã¾ããâù ãä¶ã½¶ãã¶ãìÔããÀ Öö :
ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã „¶ã ºãõŸ‡ãŠãò ‡ãŠãè ãä¦ããä©ã¾ããâù
¶ãã½ããâ‡ãŠ¶ã/Þã¾ã¶ã ‡ãñŠ Ôã⌾ãã ãä•ã¶ã½ãò
ºã㪠‚ãã¾ããñãä•ã¦ã „¹ããäÔ©ã¦ã ©ãñ
ºãõŸ‡ãŠãò ‡ãŠãè Ôã⌾ãã
Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè (18.06.2008 ¦ã‡ãŠ; 3 1 01.05.2008
24.06.2008 Ôãñ ¹ãì¶ã:ãä¶ãÌããÃãäÞã¦ã;
18.09.2008 ‡ãŠãñ ¦¾ããØã¹ã¨ã ã䪾ãã)
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè (25.06.2008 Ôãñ) 8 7 18.09.2008, 15.10.2008,
25.10.2008, 27.12.2008,
23.01.2009, 16.03.2009,
21.03.2009
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã (25.06.2008 Ôãñ) 8 8 25.07.2008, 18.09.2008,
15.10.2008, 25.10.2008,
27.12.2008, 23.01.2009,
16.03.2009, 21.03.2009
Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã 9 — ãä¶ãÀâ‡ãŠ
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã 9 2 01.05.2008, 23.01.2009
¡ãù.‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã 9 6 01.05.2008, 25.07.2008,
18.09.2008, 25.10.2008,
27.12.2008, 16.03.2009
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã (05.12.2008 Ôãñ) 4 3 23.01.2009, 16.03.2009,
21.03.2009

ãäÊㆠÌãÓãà ‡ãñŠ ªãõÀã¶ã ºããñ¡Ã ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ‡ãŠãè ¶ããõ ºãõŸ‡ãòŠ ‚ãã¾ããñãä•ã¦ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‡ãŠãè œÖ ºãõŸ‡ãòŠ ‚ãã¾ããñãä•ã¦ã ‡ãŠãè ØãƒÄý
‡ãŠãè ØãƒÄý
ãä¶ãªñÍã‡ãŠ „¹ããäÔ©ããä¦ã
ºããñ¡Ã ‡ãŠãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã 1. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
ºããñ¡Ã ‡ãŠãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã (‚ããÀ†½ãÔããèºããè) ‡ãŠã Ø㟶ã 23 ½ããÞãà ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè 6
2004 ‡ãŠãñ ãä‡ãŠ¾ãã Øã¾ãã ©ããý ¾ãÖ Ôããä½ããä¦ã ¨ãɥ㠕ããñãäŒã½ã, ºãã•ããÀ •ããñãäŒã½ã 2. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ
¦ã©ãã ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã Ôãâºãâ£ããè Ôã½ããä¶Ìã¦ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôãâºãâ£ããè ¶ããèãä¦ã Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ
‚ããõÀ ‡ãŠã¾ãöããèãä¦ã ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãŠÀ¦ããè Öõý Ôããä½ããä¦ã 9 ½ãƒÃ 2009 ‡ãŠãñ ¹ãì¶ãØãÃã䟦㠂ã¶ãìÓãâãäØã¾ããâù) (05.12.2008 Ôãñ) 2
‡ãŠãè ØãƒÃ ©ããè ãä•ãÔã½ãò 6 ÔãªÔ¾ã Ööý 3. ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã 5
¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã 4. Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè (25.06.2008 Ôãñ) 3
Öãñ¦ãñ Ööý ºããñ¡Ã ‡ãŠãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‡ãŠãè ¹ãƦ¾ãñ‡ãŠ ãä¦ã½ããÖãè ½ãò †‡ãŠ ‚ããõÀ 5. Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè (18.09.2008 ¦ã‡ãŠ ) 1
ÌãÓãà ½ãò ¶¾ãî¶ã¦ã½ã ÞããÀ ºãõŸ‡ãòŠ Öãñ¦ããè Ööý ÌãÓãà 2008-09 ½ãò ºããñ¡Ã ‡ãŠãè •ããñãäŒã½ã

82

C82 K82
The constitution and quorum requirements as per to review the various matters connected with the
RBI guidelines are complied with meticulously. internal control, systems and procedures and other
During the year, nine meetings of ACB were held aspects as required in terms of RBI guidelines.

Table : 15 Dates & Attendance of Directors at Meetings of ACB held during 2008-09
Meetings held : 9
Dates of the Meetings : 01.05.2008, 25.07.2008, 18.09.2008, 15.10.2008, 25.10.2008,
27.12.2008, 23.01.2009, 16.03.2009, 21.03.2009
Shri S.K. Bhattacharyya, Managing Director & CCRO, attended all the nine Meetings. Dates of attendance
of other Directors are as below :
Name of the Director No. of Meetings No. of Dates
held after Meetings
nomination/ attended
election during
tenure
Shri Suman Kumar Bery 3 1 01.05.2008
(upto 18.06.2008, re-elected w.e.f.
24.06.2008, resigned on 18.09.2008)
Shri Dileep C. Choksi 18.09.2008, 15.10.2008,
(w.e.f. 25.06.2008) 8 7 25.10.2008, 27.12.2008,
23.01.2009, 16.03.2009,
21.03.2009
Shri S. Venkatachalam 8 8 25.07.2008, 18.09.2008,
(w.e.f. 25.06.2008) 15.10.2008, 25.10.2008,
27.12.2008, 23.01.2009,
16.03.2009, 21.03.2009
Shri Arun Ramanathan 9 — Nil
Smt. Shyamala Gopinath 9 2 01.05.2008, 23.01.2009
Dr. Ashok Jhunjhunwala 9 6 01.05.2008, 25.07.2008,
18.09.2008, 25.10.2008,
27.12.2008, 16.03.2009
Shri R. Sridharan (w.e.f. 05.12.2008) 4 3 23.01.2009, 16.03.2009,
21.03.2009

Risk Management Committee of the Board

Director Attendance
The Risk Management Committee of the Board 1. Shri S.K. Bhattacharyya,
(RMCB) was constituted on the 23rd March 2004, MD & CCRO, Chairman 6
to oversee the policy and strategy for integrated
2. Shri R. Sridharan, MD &
risk management relating to credit risk, market
GE (A&S)(w.e.f. 05.12.2008) 2
risk and operational risk. The Committee has
3. Dr. Ashok Jhunjhunwala 5
been reconstituted on the 9th May 2009 with six
members. 4. Shri Dileep C. Choksi
(w.e.f. 25.06.2008) 3
The Managing Director and Chief Credit & Risk
5. Shri Suman Kumar Bery
Officer is the Chairman of the Committee. RMCB
(upto 18.09.2008) 1
meets a minimum of four times a year, once in each
quarter. During 2008-09, six meetings of the RMCB
were held.

83

C83 K83
ºããñ¡Ã ‡ãŠãè Íãñ¾ãÀ£ããÀ‡ãŠ/ãä¶ãÌãñÍã‡ãŠ ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã Ôããä½ããä¦ã Àãñ‡ãŠ¶ãñ ‡ãñŠ ãäÊㆠ‡ãŠãè ØãƒÃ Ôãì£ããÀ㦽ã‡ãŠ ‡ãŠãÀÃÌããƒÃ ‡ãŠãè ¹ãƼããÌããñ¦¹ã㪇㊦ãã
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Íãñ¾ãÀ£ããÀ‡ãŠãò †Ìãâ ãä¶ãÌãñÍã‡ãŠãò Ôãñ Íãñ¾ãÀ ‚ãâ¦ãÀ¥ã, ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ¶ã ‡ãŠãñ 9 ½ãƒÃ 2009 ‡ãŠãñ ¹ãì¶ãØãÃãŸä ¦ã ãä‡ãŠ¾ãã Øã¾ãã ãä•ãÔã½ãò Ôãã¦ã ÔãªÔ¾ã Ööý
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Ôããä½ããä¦ã (†Ôã‚ãフããèÔããèºããè) ‡ãŠã 30 •ã¶ãÌãÀãè 2001 ‡ãŠãñ Ø㟶ã ãä‡ãŠ¾ãã
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2. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ
‡ãŠãè ØãƒÃý
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ãä¶ãªñÍã‡ãŠ „¹ããäÔ©ããä¦ã
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Ôã‡ãñŠ ¦ã©ãã Ôããèºããè‚ããƒ/¹ãìãäÊãÔã •ããâÞã ½ãò ¹ãÆØããä¦ã, ÌãÔãîÊããè-ãäÔ©ããä¦ã ‡ãŠãè 3. ¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè 2
•ãã¶ã‡ãŠãÀãè ¹ãÆ㹦㠇ãŠãè •ãã Ôã‡ãñŠý ¾ãÖ Ôãìãä¶ããäÍÞã¦ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠ ãä‡ãŠ 4. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã 3
Ô›ã¹ãŠ ‡ãŠãè ãä•ã½½ãñªãÀãè ÍããèÜãÆ ¦ã¾ã Öãñ¦ããè Öõ, £ããñŒãã£ãü¡ãè ‡ãŠãè ¹ãì¶ãÀãÌãðã䦦ã

84

C84 K84
Shareholders’/Investors’ Grievance Committee of taken to prevent recurrence of frauds and putting
the Board in place suitable preventive measures. The
In pursuance of Clause 49 of the Listing Committee has been reconstituted on the 9th May
Agreement with the Stock Exchanges, 2009 with seven members.
Shareholders’/Investors’ Grievance Committee of The Managing Director and Chief Credit & Risk
the Board (SIGCB) was formed on the 30th Officer is the Chairman of the Committee. The
January 2001, to look into the redressal of committee met three times during 2008-09.
shareholders’ and investors’ complaints regarding
transfer of shares, non-receipt of annual report, Director Attendance
non-receipt of interest on bonds/declared 1. Shri S.K. Bhattacharyya,
dividends, etc. The Committee has been MD & CCRO, Chairman 3
reconstituted on the 9 th May 2009 with five
2. Shri R. Sridharan, MD & GE
members and is chaired by a non-executive (A&S) (w.e.f. 05.12.2008) 1
Director. The Committee met four times during
2008-09 and reviewed the position of complaints. 3. Dr. Ashok Jhunjhunwala
(upto 24.06.2008) 1
Director Attendance
4. Dr. Deva Nand Balodhi 3
1. Dr. Deva Nand Balodhi
5. Prof. Md. Salahuddin Ansari 2
– Chairman 4
6. Shri Dileep C. Choksi
2. Shri S.K. Bhattacharyya,
(w.e.f. 25.06.2008) 2
MD & CCRO 4
3. Shri R. Sridharan, MD & GE 7. Shri S. Venkatachalam
(A&S) (w.e.f. 05.12.2008) 2 (w.e.f. 25.06.2008) 2

Number of shareholders’ complaints received so Customer Service Committee of the Board

far (during the year): 309 The Customer Service Committee of the Board
was constituted on the 26 th August 2004, to
Number not solved to the
bring about ongoing improvements on a
satisfaction of shareholders: NIL
continuous basis in the quality of customer
Number of Pending Complaints: NIL service provided by the Bank. The Committee
has been reconstituted on the 9th May 2009 with
Name and designation of Compliance officer :
six members. The Managing Director and Chief
Shri Mrinal Shankar, General Manager (Compliance) Credit & Risk Officer is the Chairman of the
Special Committee of the Board for Monitoring of Committee.
Large Value Frauds (Rs.1 crore and above) During the year 2008-09, three meetings of the
The Special Committee for monitoring of Large Committee were held.
Value Frauds (Rs.1 crore and above) was constituted
Director Attendance
on the 29th March 2004. The major functions of
the Committee are to monitor and review all large 1. Shri S.K. Bhattacharyya,
value frauds with a view to identifying systemic MD & CCRO, Chairman 3
lacunae, if any, reasons for delay in detection and 2. Shri R. Sridharan, MD & GE
reporting, if any, monitoring progress of CBI/ (A&S) (w.e.f. 05.12.2008) 1
Police investigation, recovery position, ensuring 3. Prof. Md. Salahuddin Ansari 2
that staff accountability exercise is completed
4. Dr. (Mrs.) Vasantha Bharucha 3
quickly, reviewing the efficacy of remedial action

85

C85 K85
ºããñ¡Ã ‡ãŠãè ¹ãÆãõ²ããñãäØã‡ãŠãè Ôããä½ããä¦ã ‡ãñŠ ¹ãî¥ãÇãŠããäÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãñŠ ãä¶ãÓ¹ã㪶㠇ãŠã ½ãîʾããâ‡ãŠ¶ã ‡ãŠÀ¶ãñ Öñ¦ãì
ºãö‡ãŠ ‡ãŠãè ÔãîÞã¶ãã-¹ãÆãõ²ããñãäØã‡ãŠãè ¹ãÖÊããò ‡ãŠãè ¹ãÆØããä¦ã ‡ãŠã ½ããØãà ¹ãÆÍãԦ㠇ãŠÀ¶ãñ 22 ½ããÞãà 2007 ‡ãŠãñ ãä‡ãŠ¾ãã Øã¾ãã ©ããý ƒÔã Ôããä½ããä¦ã ‡ãŠã ¹ãì¶ãØã߶ã ãä¹ãœÊããè
‡ãñŠ ãäÊㆠ26 ‚ãØãÔ¦ã 2004 ‡ãŠãñ ºããñ¡Ã ‡ãŠãè ¹ãÆãõ²ããñãäØã‡ãŠãè Ôããä½ããä¦ã Øãã䟦㠺ããÀ 9 ½ãƒÃ 2009 ‡ãŠãñ ãä‡ãŠ¾ãã Øã¾ãã ©ããý ƒÔã Ôããä½ããä¦ã ½ãò ÞããÀ ÔãªÔ¾ã
‡ãŠãè ØãƒÃ ‚ããõÀ ãä¹ãœÊããè ºããÀ ¾ãÖ Ôããä½ããä¦ã 9 ½ãƒÃ 2009 ‡ãŠãñ ¹ãì¶ãØãÃã䟦ã Öö ãä•ãÔã½ãò (1) ÔãÀ‡ãŠãÀ ´ãÀã ¶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ (2) ¼ããÀ¦ããè¾ã ãäÀ•ãÌãÃ
‡ãŠãè ØãƒÃý Ôããä½ããä¦ã ‡ãñŠ œÖ ÔãªÔ¾ã Öö ãä•ãÔã½ãò ªãñ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Ôããä½½ããäÊã¦ã ºãö‡ãŠ ´ãÀã ¶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ (3) ªãñ ‚㶾ã ãä¶ãªñÍã‡ãŠ - ¡ãù. ‚ãÍããñ‡ãŠ
Öö ‚ããõÀ †‡ãŠ ØãõÀ ‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ Ôããä½ããä¦ã ‡ãñŠ ‚㣾ãàã Öãñ¦ãñ Ööý
¢ãì¶ã¢ãì¶ãÌããÊãã †Ìãâ Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã (02.07.2008 Ôãñ)
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã Ôããä½ããä¦ã ‡ãŠãè ÞããÀ ºãõŸ‡ãòŠ ÖìƒÃý
Ôããä½½ããäÊã¦ã Ööý ƒÔã Ôããä½ããä¦ã ´ãÀã ÔãâÌããèàãã ‡ãŠãè ØãƒÃ †Ìãâ 31.03.2008
ãä¶ãªñÍã‡ãŠ „¹ããäÔ©ããä¦ã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà Öñ¦ãì ¹ãî¥ãÇãŠããäÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ¹ãÆãñ¦ÔããÖ¶ã ÀããäÍã¾ããò
1. ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã, ‚㣾ãàã 4 ‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀ¶ãñ ‡ãŠãè ÔãâÔ¦ãìãä¦ã ‡ãŠãè ØãƒÃý
2. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã 3
Ô©ãã¶ããè¾ã ºããñ¡Ã
3. Ñããè †Ôã.‡ãñŠ.¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè 4 ¹ãƦ¾ãñ‡ãŠ ‡ãñŠ¶³ ½ãò •ãÖãú ¹ãÀ ºãö‡ãŠ ‡ãŠã Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã Öõâ, ¼ããÀ¦ããè¾ã
Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã †Ìãâ ãäÌããä¶ã¾ã½ããÌãÊããè ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ
4. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ
‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããú) 1 ‡ãñŠ¶³ãè¾ã ºããñ¡Ã ‡ãñŠ Ôãã½ã㶾㠾ãã ãäÌãÍãñÓã ãä¶ãªñÍããò ‡ãñŠ ‚ã£ããè¶ã ¹ãƦ¾ãã¾ããñãä•ã¦ã
(5.12.2008 Ôãñ) ‚ããä£ã‡ãŠãÀãò ‡ãŠã ¹ãƾããñØã ‡ãŠÀ¦ãñ Öì† Ô©ãã¶ããè¾ã ºããñ¡ãâô/Ô©ãã¶ããè¾ã ºããñ¡ãô ‡ãŠãè
5. Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã (25.06.2008 Ôãñ) 2 Ôããä½ããä¦ã¾ããò ‡ãŠã Ø㟶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè
£ããÀã 21 (1) (Øã) ‡ãñŠ ‚ãâ¦ãØãæ㠇ãòŠ³ ÔãÀ‡ãŠãÀ ´ãÀã ªÔã Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã
ØãÆã½ããè¥ã àãñ¨ã ̾ãÌãÔãã¾ã ¹ãÀ ºããñ¡Ã ‡ãŠãè Ôããä½ããä¦ã
‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ Ô©ãã¶ããè¾ã ºããñ¡ãô ½ãò ‡ã슜 ¶ã† ÔãªÔ¾ã ¶ãããä½ã¦ã ãä‡ãŠ† Øã†ý
ØãÆã½ããè¥ã àãñ¨ã ̾ãÌãÔãã¾ã ¹ãÀ ºããñ¡Ã ‡ãŠãè Ôããä½ããä¦ã ‡ãŠã Ø㟶ã 27 ‚ã‡ã‹¦ãîºãÀ
2005 ‡ãŠãñ ãä‡ãŠ¾ãã Øã¾ãã ©ãã ãä•ãÔãÔãñ ºãö‡ãŠ ‡ãñŠ ‡ãðŠãäÓã ̾ãÌãÔãã¾ã ¹ãƾããÔããò ÌãããäÓãÇ㊠½ãÖãÔã¼ãã ½ãò „¹ããäÔ©ããä¦ã
¹ãÀ ¶ã† ãäÔãÀñ Ôãñ £¾ãã¶ã ã䪾ãã •ãã Ôã‡ãñŠý ºã㪠½ãò, ƒÔã Œãâ¡ ½ãò ãäÌã²ã½ãã¶ã ÌãÓãà 2007-08 ‡ãŠãè ÌãããäÓãÇ㊠½ãÖãÔã¼ãã 11 •ãî¶ã 2008 ‡ãŠãñ ‚ãã¾ããñãä•ã¦ã ‡ãŠãè
‚ãÌãÔãÀãò ‡ãŠã ¹ãî¥ãà ¹ã Ôãñ Êãã¼ã „Ÿã¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ ÌãÓãà 2006 ØãƒÃ ãä•ãÔã½ãò 8 ãä¶ãªñÍã‡ãŠ „¹ããäÔ©ã¦ã ©ãñý ƒ¶ã‡ãñŠ ¶ãã½ã Öö - Ñããè ‚ããñ.¹ããè.¼ã›á›,
½ãò ØãÆã½ããè¥ã ̾ãÌãÔãã¾ã Ôã½ãîÖ ‡ãŠãè Ô©ãã¹ã¶ãã ‡ãŠãè •ããñ ¹ãîÀãè ¦ãÀÖ Ôãñ Ô©ãããä¹ã¦ã Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, Ñããè Ôãì½ã¶ã ‡ãñŠ. ºãñÀãè, ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã,
Öãñ Þãì‡ãŠã Öõý ƒÔãÔãñ ØãÆã½ããè¥ã Œãâ¡ ½ãò ºãã•ããÀ ‚ãâÍã ºãü¤ ÀÖã Öõý ¾ãÖ
¡ãù . ªñ Ì ãã¶ã¶ª ºãÊããñ £ ããè , ¹ãÆ ã ñ . ½ããñ Ö ½½ãª ÔãÊããÖì ª á ª ãè ¶ ã ‚ãâ Ô ããÀãè ,
Ôããä½ããä¦ã 9 ½ãƒÃ 2009 ‡ãŠãñ ‚ãã¾ããñãä•ã¦ã ‡ãñŠ¶³ãè¾ã ºããñ¡Ã ‡ãŠãè ºãõŸ‡ãŠ ½ãò
ãä‡ãŠ† Øㆠ‚ã¶ãì½ããñª¶ã ‡ãñŠ ‚ã¶ãìÔããÀ ‚ãºã Ôã½ã㹦㠇ãŠÀ ªãè ØãƒÃ Öõý ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã †Ìãâ Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ãý
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã Ôããä½ããä¦ã ‡ãŠãè ¦ããè¶ã ºãõŸ‡ãòŠ ÖìƒÃ ý ÌãããäÓãÇ㊠½ãÖãÔã¼ãã†ú
ãä¶ãªñÍã‡ãŠ „¹ããäÔ©ããä¦ã ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè ÌãÓãà 2007-08 ‡ãŠãè ÌãããäÓãÇ㊠½ãÖãÔã¼ãã 11
1. ¡ãù. ªñÌãã¶ã¶ª ºãÊããñ£ããè, ‚㣾ãàã 3 •ãî¶ã 2008 ‡ãŠãñ, ÌãÓãà 2006-07 ‡ãŠãè 25 •ãî¶ã 2007 ‡ãŠãñ, ÌãÓãÃ
2. ¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè - 2005-06 ‡ãŠãè 30 •ãî¶ã 2006 ‡ãŠãñ, ÌãÓãà 2004-05 ‡ãŠãè 30 •ãî¶ã
2005 ‡ãŠãñ ‚ããõÀ ÌãÓãà 2003-04 ‡ãŠãè 9 •ãìÊããƒÃ 2004 ‡ãŠãñ ‚ãã¾ããñãä•ã¦ã
3. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã 3
‡ãŠãè ØãƒÃ ý ¾ãñ Ôã¼ããè Ôã¼ãã†â, ½ãìâºãƒÃ ½ãò ‚ãã¾ããñãä•ã¦ã ‡ãŠãè ØãƒÄý
4. ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã (ãäª.25.06.2008 Ôãñ) 2
5. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ ºããñ¡Ã ‡ãñŠ ¶ã† ¹ãî¥ãÇãŠããäÊã‡ãŠ ãä¶ãªñÍã‡ãŠ ‡ãŠã ¹ãîÌãÃÌãð¦¦ã
½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè 3 Ñããè ‚ããÀ. Ñããè£ãÀ¶ã ¶ãñ ºãö‡ãŠ ‡ãñŠ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ
6. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‚ããõÀ Ôã½ãîÖ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããú) ‡ãñŠ ¹㠽ãò 5 ãäªÔãâºãÀ 2008 ‡ãŠãñ ‡ãŠã¾ãüããÀ
‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããú) (5.12.2008 Ôãñ) 1 ØãÆÖ¥ã ãä‡ãŠ¾ããý ƒÔã ãä¶ã¾ãìãä‡ã‹¦ã ‡ãñŠ ¹ãîÌãà Ìãñ „¹ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ
ºããñ¡Ã ‡ãŠãè ¹ãããäÀÑããä½ã‡ãŠ Ôããä½ããä¦ã ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããú) ©ãñý Ìãñ ƒÔãÔãñ ¹ãÖÊãñ †Ôãºããè‚ããƒÃ
¹ãããäÀÑããä½ã‡ãŠ Ôããä½ããä¦ã ‡ãŠã Ø㟶㠼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã ½ããÞãà 2007 ½ãò ÔãîãäÞã¦ã ‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ› ‡ãñŠ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ ½ã쌾㠇ãŠã¾ãùããÊã‡ãŠ ‚ããä£ã‡ãŠãÀãè,
¾ããñ•ã¶ãã ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãÆãñ¦ÔããÖ¶ã ÀããäÍã¾ããò ‡ãñŠ ¼ãìØã¦ãã¶ã ‡ãñŠ Ôãâºãâ£ã ½ãò ºãö‡ãŠ ºãâØãÊãîÀ ½ãâ¡Êã ‡ãñŠ ½ã쌾㠽ãÖã¹ãƺãâ£ã‡ãŠ, ½ãÖã¹ãƺãâ£ã‡ãŠ (›Èñ•ãÀãè), †Ôãºããè‚ããƒÃ

86

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Technology Committee of the Board of Whole Time Directors of the Bank in connection
with the payment of incentives, as per the scheme
The Technology Committee of the Board was
advised by Government of India in March 2007. The
constituted on the 26th August 2004, for tracking
Committee was last reconstituted on the
the progress of the Bank’s IT initiatives. The
9th May 2009. The Committee has four members
Committee has been reconstituted on the 9th May
consisting of (i) the Government Nominee Director,
2009 with six members and is chaired by a non- (ii) the RBI Nominee Director and (iii) two other
executive Director. Directors - Dr Ashok Jhunjhunwala and Shri S.
The Committee met four times during 2008-09. Venkatachalam (w.e.f 02.07.2008). The Committee
scrutinized and recommended payment of incentives
Director Attendance to whole time Directors for the year ended 31.03.2008
1. Dr. Ashok Jhunjhunwala,
Local Boards
Chairman 4
At every center where the Bank has a Local Head
2. Dr. (Mrs.) Vasantha Bharucha 3
Office (LHO), Local Boards / Committees of Local
3. Shri S.K. Bhattacharyya, Boards are constituted in terms of the provisions of
MD & CCRO 4 SBI Act and Regulations. The Local Boards exercise
4. Shri R. Sridharan, MD & GE such powers and perform such other functions and
(A&S) (w.e.f. 05.12.2008) 1 duties delegated to them by the Central Board. Some
5. Shri S. Venkatachalam members have since been nominated to Local
(w.e.f. 25.06.2008) 2 Boards at ten LHOs by the Central Government
under Section 21(1)(c) of the Act.
Committee of the Board on Rural Sector Business
The Committee of the Board on Rural Sector Attendance of the Annual General Meeting
Business was constituted on the 27th October 2005, The Annual General Meeting for the year 2007-08,
for renewed focus on the Bank’s Agri-business which was held on the 11th June 2008, was
initiatives. Subsequently, in order to fully address attended by 8 directors, viz., Shri O.P. Bhatt,
the emerging opportunities in the segment, the Bank Shri S.K. Bhattacharyya, Shri Suman K. Bery,
set up in 2006, the Rural Business Group, which
Dr. Ashok Jhunjhunwala, Dr. Deva Nand Balodhi,
is fully established, leading to an increased market
Prof. Md. Salahuddin Ansari, Dr. (Mrs.) Vasantha
share in the rural segment. The Committee has since
been wound up as approved at the meeting of the Bharucha and Smt. Shyamala Gopinath.
Central Board held on the 9th May 2009. Annual General Meetings
The Committee met three times during 2008-09. The Annual General Meeting of the shareholders
of the Bank for 2007-08 was held on the 11th June
Director Attendance
2008, for 2006-07 on the 25th June 2007, for
1. Dr. Deva Nand Balodhi, 2005-06 on the 30th June 2006, for 2004-05 on the
Chairman 3 30th June 2005 and for 2003-04 on the 9th July 2004.
2. Prof. Md. Salahuddin Ansari — All these meetings were held at Mumbai.
3. Dr. (Mrs.) Vasantha Bharucha 3
Bio-data of the New Whole-time Director on
4. Dr. Ashok Jhunjhunwala the Board
(w.e.f. 25.06.2008) 2
Shri R. Sridharan joined the Board as Managing
5. Shri S.K. Bhattacharyya, Director & Group Executive (Associates &
MD & CCRO 3 Subsidiaries) of the Bank on the 5th December 2008.
6. Shri R. Sridharan, MD & GE Prior to this appointment, he was Deputy Managing
(A&S) (w.e.f. 05.12.2008) 1 Director & Group Executive (Associates &
Remuneration Committee of the Board Subsidiaries). He was also earlier posted as Managing
The Remuneration Committee was constituted on Director & CEO of SBI Capital Market, Chief General
Manager of the Bangalore Circle, General Manager
the 22nd March 2007, for evaluating the performance

87

C87 K87
‡ãŠãÀ¹ããñÀñ› ºãöãä‡ãâŠØã Ôã½ãîÖ ‡ãñŠ àãñ¨ããè¾ã ¹ãƽãìŒã ¼ããè ÀÖ Þãì‡ãñŠ Ööý Ñããè Ñããè£ãÀ¶ã ¦ã©ãããä¹ã ºãö‡ãŠ ‡ãñŠ ‚㣾ãàã †Ìãâ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠãò ¦ã©ãã ¼ããÀ¦ã ÔãÀ‡ãŠãÀ/
¹ãîÌãà ½ãò ãäÌ㦦㠽ãâ¨ããÊã¾ã, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ ÔãÊããÖ‡ãŠãÀ ¼ããè ÀÖ Þãì‡ãñŠ Ööý ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ºãõŸ‡ãŠ Íãìʇ㊠¶ãÖãé ã䪾ãã •ãã¦ãã
ºãõŸ‡ãŠ Íãìʇ㊠Öõý ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ¼ãìØã¦ãã¶ã ãä‡ãŠ† ØㆠºãõŸ‡ãŠ Íãìʇ㊠‡ãŠã
ãäÌãÌãÀ¥ã ‚ã¶ãìÊãضã‡ãŠ-IV ½ãò ã䪾ãã Øã¾ãã Öõý
¹ãî¥ãÇãŠããäÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠã ¹ãããäÀÑããä½ã‡ãŠ †Ìãâ ºããñ¡Ã/ºããñ¡Ã ‡ãŠãè Ôããä½ããä¦ã¾ããò
‡ãŠãè ºãõŸ‡ãŠãò ½ãò ÔãÖ¼ãããäØã¦ãã ‡ãŠÀ¶ãñ Öñ¦ãì ØãõÀ-‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ¹ãƇ㊛ãè‡ãŠÀ¥ã
¼ããÀ¦ã ÔãÀ‡ãŠãÀ ´ãÀã Ôã½ã¾ã-Ôã½ã¾ã ¹ãÀ ãä¶ããäªÃÓ› ãä‡ãŠ† Øㆠ‚ã¶ãìÔããÀ ºãõŸ‡ãŠ ºãö‡ãŠ ‚ã¹ã¶ãñ ¹ãƽããñ›Àãò; ãä¶ãªñÍã‡ãŠãò ‚ã©ãÌãã ¹ãƺãâ£ã¶ã, „¶ã‡ãŠãè ‚ã¶ãìÓãâãäØã¾ããò
Íãìʇ㊠‚ãªã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ¹ãƦ¾ãñ‡ãŠ ‚ã©ãÌãã Ôãâºãâãä£ã¾ããò ‚ãããäª ‡ãñŠ Ôãã©ã ãä‡ãŠÔããè ¼ããè †ñÔãñ ½ãÖ¦Ìã¹ãî¥ãà ¼ããõãä¦ã‡ãŠ
ºãõŸ‡ãŠ ‡ãñŠ ãäÊㆠÁ. 5,000/- ¦ã©ãã ºããñ¡Ã Ô¦ãÀãè¾ã Ôããä½ããä¦ã ‡ãŠãè †‡ãŠ Êãñ¶ãªñ¶ã Ôãñ ‚ãÔãâºãªá£ã ÀÖã Öõ •ããñ ºãðÖ¦¦ãÀ Ô¦ãÀ ¹ãÀ ºãö‡ãŠ ‡ãñŠ ãäÖ¦ããò ‡ãñŠ
ºãõŸ‡ãŠ ‡ãñŠ ãäÊㆠÁ. 2500/- ºãõŸ‡ãŠ Íãìʇ㊠¹ãƪã¶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ¹ãÆãä¦ã‡ãîŠÊã Öãñý
‚㣾ãàã ¦ã©ãã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ÌãÓãà 2008-09 ½ãò Ôã⪦¦ã Ìãñ¦ã¶ã Ì㠼㦦ãñ
½ãîÊã Ìãñ¦ã¶ã ½ãÖâØããƒÃ ¼ã¦¦ã㠂㶾㠹ãÆãñ¦Ôããֶ㠇ãìŠÊã
Á. Á. Á. Á. ¹ãããäÀÑããä½ã‡ãŠ
Á.
‚㣾ãàã
Ñããè ‚ããñ. ¹ããè. ¼ã›á›
(1.04.2008-31.3.2009) 4,20,000.00 3,45,920.00 4,32,008.73 8,00,000.00 19,97,928.73
¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ
(1.4.2008-31.3.2009) 4,08,883.23 3,36,506.65 2,08,871.25 3,37,000.00 12,91,261.13
Ñããè ‚ããÀ. Ñããè£ãÀ¶ã
(5.12.2008-31.3.2009) 1,95,996.77 78,381.12 31,020.17 2,01,380.00 5,06,778.06

ºãö‡ãŠ ´ãÀã Ô›ã‡ãŠ †‡ã‹ÔãÞãò•ããò, Ôãñºããè, ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‚ã©ãÌãã ¹ãîâ•ããè
ºãã•ããÀ Ôãñ Ôãâºãâãä£ã¦ã ãä‡ãŠÔããè ‚ã¶¾ã ÔããâãäÌããä£ã‡ãŠ ¹ãÆããä£ã‡ãŠÀ¥ã ´ãÀã ãä¶ã£ããÃãäÀ¦ã
¹ãƾããñ•¾ã ãä¶ã¾ã½ããò ‚ããõÀ ãäÌããä¶ã¾ã½ããò ‡ãŠã ãäÌãØã¦ã ¦ããè¶ã ÌãÓããô ‡ãñŠ ªãõÀã¶ã ¹ããÊã¶ã
ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒ¶ã‡ãñŠ ´ãÀã ºãö‡ãŠ ¹ãÀ ãä‡ãŠÔããè ¼ããè ¹ãƇãŠãÀ ‡ãŠã ªâ¡ ¾ãã
‚ããàãñ¹ã ¶ãÖãé ÊãØãã¾ãã Øã¾ãã Öõý
ºãö‡ãŠ ‡ãñŠ Ôã¦ãÇ㊦ãã Ôãâºãâ£ããè ãäªÍãã-ãä¶ãªóÍã ÊããØãî ãä‡ãŠ† ØㆠÖöý ƒÔã‡ãñŠ ¦ãÖ¦ã
̾ãÌãÔ©ãã Öõ ãä‡ãŠ ºãö‡ãŠ Ô›ã¹ãŠ, ºãö‡ãŠ ‡ãñŠ ½ã쌾ã Ôã¦ã‡ãʦãã ‚ããä£ã‡ãŠãÀãè Ôãñ
Ôããè£ãñ Ôãâ¹ã‡ãÊ ‡ãŠÀ Ôã‡ãŠ¦ãã Öõý ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ãâ¦ãØãæã ÔãÞãñ¦ã‡ãŠ¦ããà ‡ãŠãè
¼ãîãä½ã‡ãŠã ‡ãñŠ ãäÊㆠ"½ãìŒããäºãÀ" ‡ãŠ½ãÃÞããÀãè ‡ãŠãñ ªâ¡ã¦½ã‡ãŠ ‡ãŠãÀÃÌããƒÃ Ôãñ ÔãìÀàãã
¹ãƪã¶ã ‡ãŠãè ØãƒÃ Öõý
ºãö‡ãŠ ¶ãñ Ô›ã‡ãŠ †‡ã‹ÔãÞãò•ããò ‡ãñŠ Ôãã©ã ãäÊããäÔ›âØã †ØãÆãè½ãò› ‡ãñŠ Œã¥¡ 49
‡ãŠãè Ôã¼ããè Íã¦ããô ‡ãŠãñ ¹ãîÀã ãä‡ãŠ¾ãã Öõ - ºãÍã¦ãô ‡ãŠãè Œãâ¡ ‡ãŠãè ‚ã¹ãñàãã†â
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã 1955 ‡ãñŠ ¹ãÆãÌã£ãã¶ããò, „¶ã ¹ãÆãÌã£ãã¶ããò
‡ãñŠ ‚ãâ¦ãØãæ㠺ã¶ãㆠØㆠãä¶ã¾ã½ããò ‚ããõÀ ãäÌããä¶ã¾ã½ããò ¦ã©ãã ¼ããÀ¦ããè¾ã ãäÀ•ãÌãÃ
ºãö‡ãŠ ´ãÀã •ããÀãè ãäªÍãããä¶ãªóÍããò ¾ãã ãä¶ãªñÍããò ‡ãŠã „ÊÊãâÜã¶ã ¶ãÖãé ‡ãŠÀ
ÀÖñ Ööý
ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ‡ãŠã Ø㟶ã, ÊãñŒãã ¹ãÀãèàãã Ôããä½ããä¦ã ‡ãŠã Ø㟶㠂ããõÀ „Ôã‡ãŠã
‡ãŠãñÀ½ã, ØãõÀ ‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ¹ãÆãä¦ã¹ãîãä¦ãÃ, ÔããâãäÌããä£ã‡ãŠ ÊãñŒãã
¹ãÀãèàã‡ãŠãò ‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã, ¹ãì¶ããä¶ãþãìãä‡ã‹¦ã ‚ããõÀ „¶ã‡ãŠãè ¹ãŠãèÔã ‡ãñŠ ãä¶ã£ããÃÀ¥ã
‡ãñŠ Ôãâºãâ£ã ½ãò Œã¥¡ 49 ‡ãŠãè ÔããâãäÌããä£ã‡ãŠ ‚ã¹ãñàãã†ú ºãö‡ãŠ ¹ãÀ ºã㣾ã‡ãŠãÀãè
¶ãÖãé Öõ ‡ã‹¾ããòãä‡ãŠ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ
Ôãã½ã㶾ã ãäÌããä¶ã¾ã½ããÌãÊããè ‚ããõÀ ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò
½ãò ƒ¶ã‡ãñŠ ãäÊㆠ‚ãÊãØã Ôãñ ¹ãÆãÌã£ãã¶ã Öõý
Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ ‚ããÌããÔã ¹ãÀ ‚ã£ãÃ-ÌãããäÓãÇ㊠ãäÌ㦦ããè¾ã ãä¶ãÓ¹ã㪶㠦ã©ãã
½ãÖ¦Ìã¹ãî¥ãà Ü㛶ãã†â Ôãâàãñ¹ã ½ãò ¹ãÆñãäÓã¦ã ‡ãŠÀ¶ãñ ‡ãŠãñ œãñü¡‡ãŠÀ ºãö‡ãŠ ¶ãñ Œã¥¡
49 ‡ãŠãè Ôã¼ããè ØãõÀ-ÔããâãäÌããä£ã‡ãŠ ‚ã¹ãñàãã‚ããò ‡ãŠã ‚ã¶ãì¹ããÊã¶ã ãä‡ãŠ¾ãã Öõý
„¹ã¾ãìÇ㋦㠇ãñŠ Ôãâºãâ£ã ½ãò ãäÌãÔ¦ãð¦ã ÔãîÞã¶ãã ºãö‡ãŠ ‡ãŠãè ÌãñºãÔãホ ¹ãÀ „¹ãÊ㺣ã
‡ãŠÀã ªãè ØãƒÃ Öõý
ºãö‡ãŠ ‡ãŠãè ‚ããÞããÀ ÔãâãäÖ¦ãã ‡ãŠã ‚ã¶ãì¹ããÊã¶ã
ºãö‡ãŠ ‡ãñŠ ‡ãñŠ¶³ãè¾ã ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠãò ‚ããõÀ ÌããäÀÓŸ ¹ãƺãâ£ã¶ã ¶ãñ, ãäÌ㦦ã
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãŠãè ‚ããÞããÀ ÔãâãäÖ¦ãã ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã
‡ãŠãè ‚ããä¼ã¹ãìãäÓ› ‡ãŠãè Öõý ‚㣾ãàã ´ãÀã ÖÔ¦ããàããäÀ¦ã ƒÔã ‚ããÍã¾ã ‡ãŠãè ÜããñÓã¥ãã
‚ã¶ãìÊãضã‡ãŠ-V ½ãò Öõý ‚ããÞããÀ ÔãâãäÖ¦ãã ºãö‡ãŠ ‡ãŠãè ÌãñºãÔãホ ¹ãÀ
„¹ãÊ㺣ã Öõý

88

C88 K88
(Treasury), Regional Head of SBI Corporate Banking
Group. Shri Sridharan had served earlier as Advisor
to Ministry of Finance, Government of India.
Sitting Fees
The remuneration of the whole-time Directors and
the sitting fees paid to the non-executive Directors
for attending the meetings of the Board / Committees
of the Board are as prescribed by GOI from time
to time. The Directors are given a sitting fee of
Rs.5,000/- for attending every Central Board meeting
and Rs.2,500/- for attending a meeting of a Board-
Salary and Allowances paid to the Chairman and Managing Directors in 2008-2009
Basic DA
Rs. Rs.
Chairman
Shri. O. P. Bhatt
(1.4.2008-31.3.2009) 4,20,000.00 3,45,920.00
Managing Directors
Shri. S. K.
Bhattacharyya
(1.4.2008-31.3.2009) 4,08,883.23 3,36,506.65
Shri R. Sridharan
(5.12.2008-31.3.2009) 1,95,996.77 78,381.12
The Bank has complied with applicable rules and
regulations prescribed by stock exchanges, SEBI, RBI
or any other statutory authority relating to the capital
markets during the last three years. No penalties or
strictures have been imposed by them on the Bank.
Vigilance guidelines of the Bank are in place,
which provide that the Bank’s staff may have direct
access to the Bank’s Chief Vigilance Officer. The
guidelines also protect any staff acting as the
‘informer’ from any punitive action for being a
whistleblower.
The Bank has complied in all respects with the
requirements of Clause 49 of the Listing Agreement
with the Stock Exchanges, to the extent that the
requirements of the Clause do not violate the
provisions of State Bank of India Act 1955, the Rules
and Regulations made there under, and guidelines
or directives issued by the Reserve Bank of India.
Mandatory requirements of Clause 49 as to the
composition of the Board of Directors, composition
89
C89 K89
level committee. Sitting fees are, however, not paid
to the Chairman and Managing Directors of the
Bank and GOI Nominee / RBI Nominee Directors.
Details of sitting fees paid during the year
2008-09 are placed in Annexure-IV.
Disclosure:
The Bank has not entered into any materially
significant related party transactions with its
Promoters, Directors, or Management, their
subsidiaries or relatives, etc., that may have potential
conflict with the interests of the Bank at large.
Others Incentive Total
Rs. Rs. Remuneration
Rs.
4,32,008.73 8,00,000.00 19,97,928.73
2,08,871.25 3,37,000.00 12,91,261.13
31,020.17 2,01,380.00 5,06,778.06
and quorum of the Audit Committee, Non-executive
directors’ compensation, the appointment, re-
appointment of the Statutory Auditors and fixation
of their fees are not binding on the Bank, as
separate provisions in the State Bank of India Act,
SBI General Regulations and the Reserve Bank of
India guidelines deal with the same.
The Bank has complied with all applicable non-
mandatory requirements of Clause 49, except for
sending half-yearly declaration of financial
performance and summary of significant events to the
households of shareholders, since detailed information
on the same is posted on the website of the Bank.
Compliance with Bank’s Code of Conduct
The Directors on the Bank’s Central Board and
Senior Management have affirmed compliance with
the Bank’s Code of Conduct for the financial year
2008-09. Declaration to this effect signed by the
Chairman is placed in Annexure-V. The Code is
posted on the Bank’s website.
ÔãâÞããÀ ½ã㣾ã½ã ãä¶ãàãñ¹ããØããÀ (ã䡹ããùãä•ã›Àãè) : ¶ãñÍã¶ãÊã ãäÔã‡ã‹¾ãìãäÀ›ãè•ã
ºãö‡ãŠ ‡ãŠãè ¾ãÖ Òü¤ ½ã㶾ã¦ãã Öõ ãä‡ãŠ Ôã¼ããè ãäÖ¦ã£ããÀ‡ãŠãò ‡ãŠãñ ºãö‡ãŠ ‡ãñŠ ‡ãŠã¾ãÇãŠÊãã¹ã, ÔãÖ¼ãããäØã¦ãã ã䡹ããùãä•ã›Àãè ãäÊã.
ãä¶ãÓ¹ã㪶㠂ããõÀ ¶ã† „¦¹ããªãò ‡ãñŠ ºããÀñ ½ãò ¹ãî¥ãà •ãã¶ã‡ãŠãÀãè ¹ãÆ㹦ã Öãñ¶ããè (†¶ã†Ôã¡ãè†Êã) ‚ããõÀ Ôãò›ÈÊã
ÞãããäÖ†ý ÌãÓãà 2008-09 ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ÌãããäÓãÇãŠ, ‚ã£ãÃ-ÌãããäÓãÇ㊠‚ããõÀ ã䡹ããùãä•ã›Àãè ÔããäÌãÃÔãñÔã
ãä¦ã½ããÖãè ¹ããäÀ¥ãã½ã ªñÍã ‡ãñŠ Ôã¼ããè ¹ãƽãìŒã Ôã½ããÞããÀ-¹ã¨ããò ½ãò ¹ãƇãŠããäÍã¦ã ãä‡ãŠ† (ƒâã¡ä ¾ãã) ãäÊã. (Ôããè¡ãè†Ôã†Êã)
Øã†ý ƒ¶ã ¹ããäÀ¥ãã½ããò ‡ãŠãñ ºãö‡ãŠ ‡ãŠãè ÌãñºãÔãホ (www.sbi.co.in ‚ããõÀ ¡ãè½ãõ› ¹㠽ãò ºãö‡ãŠ ‡ãñŠ
www.statebankofindia.com) ¹ãÀ ¼ããè ¹ãƪãäÍãæã ãä‡ãŠ¾ãã Øã¾ããý Íãñ¾ãÀãò ‡ãñŠ ãä¶ãàãñ¹ããØããÀ
ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ºãö‡ãŠ ‡ãñŠ Ôã¼ããè Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãñ ¼ãñ•ããè •ãã¦ããè Öõý ºãö‡ãŠ ‡ãŠãè (ã䡹ããùãä•ã›Àãè) £ããÀ‡ãŠ Ööý
ÌãñºãÔãホ ¹ãÀ ‚㶾ã Ôãã½ãØãÆãè ‡ãñŠ Ôãã©ã-Ôãã©ã ºãö‡ãŠ ´ãÀã •ããÀãè Ôã½ããÞããÀ, ƒÊãñ‡ã‹›Èãùãä¶ã‡ãŠ Ôã½ããÍããñ£ã¶ã : ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀãò
ºãö‡ãŠ ‡ãŠãè ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‚ããõÀ ‚ã£ãÃ-ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ¦ã©ãã ãäÌããä¼ã¸ã „¦¹ããª- ‡ãñŠ Êãã¼ããâÍããò ‡ãŠã ¼ãìØã¦ãã¶ã ¼ããÀ¦ããè¾ã
¹ãÆÔ¦ããÌããò ‡ãŠã º¾ããñÀã ¹ãƪãäÍãæã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ¹ãƦ¾ãñ‡ãŠ ÌãÓãà ºãö‡ãŠ ‡ãñŠ ÌãããäÓãÇ㊠ãäÀ•ãÌãà ºãö‡ãŠ 15 ƒÊãñ‡ã‹›Èãùãä¶ã‡ãŠ
†Ìãâ ‚ã£ãÃÌãããäÓãÇ㊠¹ããäÀ¥ãã½ããò ‡ãŠãè ÜããñÓã¥ãã ‡ãñŠ ºã㪠„Ôããè ã䪶㠹ã¨ã‡ãŠãÀãò ‡ãñŠ Ôã½ããÍããñ£ã¶ã ‡ãñŠ¶³ãò ‡ãñŠ ½ã㣾ã½ã
Ôãã©ã †‡ãŠ ºãõŸ‡ãŠ ‚ãã¾ããñãä•ã¦ã ‡ãŠãè •ãã¦ããè Öõ ãä•ãÔã½ãò ºãö‡ãŠ ‡ãñŠ ‚㣾ãàã ´ãÀã Ôãñ ¼ããè ãä‡ãŠ¾ãã •ãã ÀÖã Öõý
†‡ãŠ ¹ãÆÔ¦ãìãä¦ã ¦ã©ãã ½ããèã䡾ãã ´ãÀã ¹ãîœñ Øㆠ¹ãÆͶããò ‡ãñŠ „¦¦ãÀ ã䪆 •ãã¦ãñ Ööý
ƒÔã‡ãñŠ ºã㪠†‡ãŠ ‚ããõÀ ºãõŸ‡ãŠ ‚ãã¾ããñãä•ã¦ã ‡ãŠãè •ãã¦ããè Öõ ãä•ãÔã½ãò ‚ã¶ãñ‡ãŠ ¹ãâ•ããè¾ã‡ãŠ ‚ããõÀ ‚ãâ¦ãÀ¥ã †•ãò› : ½ãñÔãÔãà ¡ã›ã½ãõã䛇ã‹Ôã
ãä¶ãÌãñÍã ãäÌãÍÊãñÓã‡ãŠãò ‡ãŠãñ ‚ãã½ãâãä¨ã¦ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý „¶ãÔãñ ºãö‡ãŠ ‡ãñŠ ¦ã©ãã „¶ã‡ãŠã ¹ã¦ãã ¹ãŠãƒ¶ãòãäÍã¾ãÊã
ÔããäÌãÃÔãñÔã ãäÊããä½ã›ñ¡,
‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠹ãÀ ãäÌãÔ¦ãð¦ã ÞãÞããà ‡ãŠãè •ãã¦ããè Öõý ãä¦ã½ããÖãè ¹ããäÀ¥ãã½ããò ‡ãŠãè
¾ãîãä¶ã› : ¼ããÀ¦ããè¾ã Ô›ñ›
ÜããñÓã¥ãã ‡ãñŠ ºã㪠¹ãÆñÔã ‚ããä£ãÔãîÞã¶ãã†ú •ããÀãè ‡ãŠãè •ãã¦ããè Ööý
ºãö‡ãŠ, ¹Êããù› †-16 ‚ããõÀ
Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ ãäÊㆠÔãã½ã㶾ã ÔãîÞã¶ãã : 17, †½ã‚ãメãèÔããè ; ¹ãã›Ã
ºããè, ‰ãŠãùÔã Êãñ¶ã, ½ãÀãñÊã,
Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè ÌãããäÓãÇ㊠½ãÖãÔã¼ãã ã䪶ããâ‡ãŠ 19.06.2009, Ôã½ã¾ã
‚ãâ£ãñÀãè (¹ãîÌãÃ),
‚ã¹ãÀãÖá¶ã 3.30 ºã•ãñ, Ô©ãã¶ã : "ÌããƒÃ.ºããè.ÞãÖáÌãã¶ã Ôãò›À", •ã¶ãÀÊã
½ãìâºãƒÃ-400 093
•ãØã¸ãã©ã ¼ããñÔãÊãñ ½ããØãÃ; ¶ãÀãè½ã¶ã ¹ããùƒâ› ½ãâìºãƒÃ-400 021.
ºããñ¡Ã ¹ãŠãñ¶ã ¶ãâ. : 022-6671 2151 Ôãñ 2156 ¦ã‡ãŠ
ãäÌ㦦ããè¾ã ‡ãõŠÊãò¡À : 1.4.2008 Ôãñ 31.3.2009
¡ã¾ãÀñ‡ã‹› ¶ãâ. : 022-6671 2198 / 6671 2199
ºãÖãèºãâªãè ‡ãŠãè ãä¦ããä©ã : 12.6.2009 Ôãñ 19.6.2009 022-6671 2201 Ôãñ 2203 ¦ã‡ãŠ
Êãã¼ããâÍã ¼ãìØã¦ãã¶ã ãä¦ããä©ã : 17.07.2009 ƒÃ-½ãñÊã ¹ã¦ãã : sbi_eq@dfssl.com
Íãñ¾ãÀ ºãã•ããÀ ãä•ã¶ã½ãò : ½ãìâºãƒÃ, ‚ãÖ½ãªãºããª, ¹ãõŠ‡ã‹Ôã : (022) 6671 2204
ÔãîÞããè‡ãŠÀ¥ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‡ãŠãñÊã‡ãŠã¦ãã, ¶ãƒÃ ãäªÊÊããè, Íãñ¾ãÀ-‚ãâ¦ãÀ¥ã ¹ãÆ¥ããÊããè : Àãä•ãÔ›Èãè‡ãŠÀ¥ã ‚ããõÀ ‚ãâ¦ãÀ¥ã
Þãñ¸ãƒÃ ‚ããõÀ ÀãÓ›Èã¾è ã Íãñ¾ãÀ ºãã•ããÀ, (‚ããÀ †¥¡ ›ãè) †•ãò› ‡ãñŠ
½ãìâºãƒÃ (ãäÌãÍÌã •ã½ãã ÀÔããèªò ½ã㣾ã½ã Ôãñ
Êã⪶ã Íãñ¾ãÀ ºãã•ããÀ
ºã‡ãŠã¾ãã •ããè¡ãè‚ããÀ : 31.03.2009 ‡ãŠãñ
(†Êã†ÔãƒÃ) ½ãò ÔãîÞããè‡ãðŠ¦ã Öö) 1,35,64,361 (•ããè¡ãè‚ããÀ)
Êã⪶ã Íãñ¾ãÀºãã•ããÀ 2,71,28,722 Íãñ¾ãÀ
(†Êã†ÔãƒÃ) ÔããäÖ¦ã Ôã¼ããè
Íãñ¾ãÀ ºãã•ããÀãò ‡ãŠãñ ‚ãã•ã ¹ã¨ã ̾ãÌãÖãÀ ‡ãñŠ ãäÊㆠ¹ã¦ãã : ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ, Íãñ¾ãÀ
¦ã‡ãŠ ‡ãŠã ÔãîÞããè‡ãŠÀ¥ã Íãìʇ㊠†Ìãâ ºããâ¡ ãäÌã¼ããØã, ‡ãòŠ³ãè¾ã
‚ãªã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõý ‡ãŠã¾ããÃÊã¾ã, Ô›ñ› ºãö‡ãŠ ¼ãÌã¶ã,
8Ìããé ½ãâãä•ãÊã †½ã.Ôããè. Àãñ¡,
Ô›ã‡ãŠ ‡ãŠãñ¡ : 500112 (ºããè†ÔãƒÃ) ¶ãÀãè½ã¶ã ¹ããùƒâ›,
†Ôãºããè‚ãテ¶ã (†¶ã†ÔãƒÃ) ½ãìâºãƒÃ-400 021

90

C90 K90
Means of Communication Depository Participation : The National
The Bank strongly believes that all stakeholders should Securities
have access to complete information on its activities, Depository Limited
performance and product initiatives. Annual, half- (NSDL) and Central
yearly and quarterly results of the Bank for the year Depository Services
2008-09 were published in all leading newspapers (India) Ltd. (CDSL)
of the country. The results were also displayed are the depositories
on the Bank’s website (www.sbi.co.in and holding the Bank’s
www.statebankofindia.com). The Annual Report is shares in demat
sent to all shareholders of the Bank. The Bank’s website form.
displays, interalia, official news releases of the Bank, Electronic Clearing : Dividend on SBI
the Bank’s Annual Report and Half-yearly report, and shares is also
details of various product offerings. Every year, after being paid through
the annual and half-yearly results are declared, a Press- RBI’s 15 Electronic
meet is held on the same day, in which the Chairman Clearing Centres.
makes a presentation and answers the queries of the Registrar and Transfer : M/s Datamatics
media. This is followed by another meeting to which Agent and their Financial Services
a number of investment analysts are invited. Details Address Limited, Unit:
of the Bank’s performance are discussed with the State Bank of India,
analysts in the meeting.After declaring quarterly Plot A–16
results, press notifications are issued. & 17, MIDC,
Part B, Cross Lane,
General Shareholder Information: Marol, Andheri (E),
The Annual General Meeting of the Shareholders: Mumbai 400 093.
Date:19.06.2009, Time: 3.30 p.m. Venue: “Y.B. Board Phone Numbers : 022-6671 2151
Chavan Centre”, General Jagannath Bhosale Marg, to 2156
Nariman Point, Mumbai 400 021.
Direct Numbers : 022-6671 2198/
Financial Calendar : 01.4.2008 to 6671 2199
31.03.2009 022-6671 2201 to
Date of Book Closure : 12.06.2009 to 2203
19.06.2009 E-mail address : sbi_eq@dfssl.com
Dividend Payment Date : 17.07.2009 Fax : (022) 6671 2204
Listing on Stock : Mumbai, Share Transfer System : Through R&T
Exchanges Ahmedabad, Agent
Kolkata, New Delhi,
Outstanding GDR : 1,35,64,361 (GDR)
Chennai and
as on 31-03-2009
National Stock
representing
Exchange, Mumbai.
2,71,28,722 shares
(GDRs listed on
London Stock Address for : State Bank of India,
Exchange–LSE) Correspondence Shares & Bonds
Listing fees have Department,
been paid upto Central Office,
date to all Stock State Bank
Exchanges Bhavan, 8th floor,
including LSE. M.C. Road,
Nariman Point,
Stock Code : 500112 (BSE)
Mumbai 400 021.
SBIN (NSE)

91

C91 K91
 ›ñÊããè¹ãŠãñ¶ã : (022) 22740841-45 ¦ãããäÊã‡ãŠã: 17 Íãñ¾ãÀ£ãããäÀ¦ãã ‡ãŠã ãäÌã¦ãÀ¥ã
(022) 2288 3888 (31.03.2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ)
(022) 2283 0535 Íãñ¾ãÀ£ããÀ‡ãŠ £ãããäÀ¦ã Íãñ¾ãÀãò
¹ãõŠ‡ã‹Ôã : (022) 2285 5348 ‡ãŠã ¹ãÆãä¦ãÍã¦ã
ƒÃ-½ãñÊã ¹ã¦ãã : gm.snb@sbi.co.in ¼ããÀ¦ã ‡ãñŠ Àãӛȹããä¦ã 59.41%
Íãñ¾ãÀ ‡ãŠãè½ã¦ã „¦ããÀ-Þãü¤ãÌã: ‚ããä¶ãÌããÔããè (ãäÌãªñÍããè ÔãâÔ©ããØã¦ã ãä¶ãÌãñÍã‡ãŠ/ãäÌãªñÍããè
Íãñ¾ãÀ ‡ãŠãè½ã¦ã ½ãò „¦ããÀ-Þãü¤ãÌã ‚ããõÀ ºããè†ÔãƒÃ ÔãòÔãñ‡ã‹Ôã ¦ãããäÊã‡ãŠã Ôãâ. 16 ‡ãŠãÀ¹ããñÀñ› ãä¶ã‡ãŠã¾ã/‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ã/
½ãò ¹ãÆÔ¦ãì¦ã ãä‡ãŠ† ØㆠÖöý ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀãò ‡ãŠã ºãã•ããÀ ¹ãîâ•ããè‡ãŠÀ¥ã ½ããÞãà ãäÌãÍÌã •ã½ãã ÀÔããèªò ) 12.33%
2009 ‡ãñŠ ‚ãâ¦ã ½ãò ºããè†ÔãƒÃ ½ãò 4.38% †Ìãâ †¶ã†ÔãƒÃ ½ãò 3.58%
À㕾ã ÔãÀ‡ãŠãÀ(ÔãÀ‡ãŠãÀò)/ºããè½ãã ‡ã⊹ããä¶ã¾ããú/
‡ãñŠ ¼ããÀãâ‡ãŠ ¹ãÀ ©ããý ºãö‡ãŠ ‡ãŠã Íãñ¾ãÀ ÔãºãÔãñ •¾ããªã ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ãä‡ãŠ†
ºãö‡ãŠãò ÔããäÖ¦ã ãäÌ㦦ããè¾ã ÔãâÔ©ãã†â 10.90%
•ãã¶ãñ ÌããÊãñ Íãñ¾ãÀãò ½ãò Ôãñ †‡ãŠ ÀÖãý
¦ãããäÊã‡ãŠã: 16 ºãã•ããÀ ½ãîʾ㠂ããâ‡ãŠü¡ñ ½¾ãîÞãì‚ãÊã ¹ã⊡/ÔãÀ‡ãŠãÀãè ‡ã⊹ããä¶ã¾ããú/
(‚ãâãä¦ã½ã ½ãîʾã) ¼ããÀ¦ããè¾ã ¾ãîãä¶ã› ›ÈÔ› 5.36%
½ããÔã ºããè†ÔãƒÃ ½ãñâ ºããè†ÔãƒÃ ‡ã⊹ããä¶ã¾ããú/ãä¶ã•ããè ‡ãŠãÀ¹ããñÀñ› ÔãâÔ©ãã†â/¶¾ããÔã 5.30%
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ÔãîÞã‡ãŠãâ‡ãŠ ãä¶ãÌããÔããè ̾ããä‡ã‹¦ã¾ããò Ôããä֦㠂㶾ã 6.70%
Íãñ¾ãÀ ‡ãŠã ½ãîʾã (Á)
„ÞÞã¦ã½ã ¶¾ãî¶ã¦ã½ã „ÞÞã¦ã½ã ¶¾ãî¶ã¦ã½ã Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè Ôã⌾ãã 781263
‚ã¹ãõÆÊã-08 1819.95 1592.00 17480.74 15297.96 ¡ãè½ãõ› Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã (620998421) 97.81%
½ãƒÃ-08 1840.00 1438.20 17735.70 16196.02
•ãî¶ã-08 1496.70 1101.15 16632.72 13405.54 ¦ãããäÊã‡ãŠã: 18 ºãö‡ãŠ ‡ãñŠ ªÔã ÍããèÓãà Íãñ¾ãÀ£ããÀ‡ãŠ
•ãìÊããƒ-08 1567.50 1007.00 15130.09 12514.02 (31.03.2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ)
‚ãØãÔ¦ã-08 1638.90 1302.00 15579.78 14002.43 £ããÀ‡ãŠ ‡ãŠã ¶ãã½ã £ãããäÀ¦ã Íãñ¾ãÀãò
ãäÔã¦ãâºãÀ-08 1618.00 1353.00 15107.01 12153.55 ‡ãŠã ¹ãÆãä¦ãÍã¦ã
‚ã‡ã‹¦ãîºãÀ-08 1569.90 991.10 13203.86 7697.39 1. ¼ããÀ¦ã ‡ãñŠ Àãӛȹããä¦ã 59.41
¶ãÌ㽺ãÀ-08 1375.00 1025.00 10945.41 8316.39
2. ¼ããÀ¦ããè¾ã •ããèÌã¶ã ºããè½ãã ãä¶ãØã½ã †Ìãâ Ôã½ãîÖ 9.56
ãäªÔãâºãÀ-08 1325.00 995.05 10188.54 8467.43
•ã¶ãÌãÀãè-09 1376.40 1031.05 10469.72 8631.60 3. ãäª ºãö‡ãŠ ‚ãã¹ãŠ ¶¾ãî¾ãã‡ãÊ (•ããè¡ãè‚ããÀ) 4.27
¹ãŠÀÌãÀãè-09 1205.90 1008.30 9724.87 8619.22 4. ‚ããƒÃÔããè‚ããƒÃÔããè‚ããƒÃ ¹ãÆî¡òãäÍã¾ãÊã ÊãヹãŠ
½ããÞãÃ-09 1132.25 894.00 10127.09 8047.17 ƒâ;ããñÀòÔã ‡ã⊹ã¶ããè ãäÊã. 1.79
ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã†â: 5. ¾ãîÀãñ¹ãñãäÔããä¹ãŠ‡ãŠ ØãÆãñ©ã ¹ã⊡ 0.77
ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãè Íãñ¾ãÀ£ãããäÀ¦ãã Ôãâºãâ£ããè ãäÌããä¼ã¸ã ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãŠãñ ¹ãîÀã 6. ãä¹ãŠ¡ñãäÊã›ãè ½ãõ¶ãñ•ã½ãò› †â¡ ãäÀÔãÞãà ‡ã⊹ã¶ããè Œãã¦ãã
‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ½ãìâºãƒÃ ½ãò ºãö‡ãŠ ‡ãñŠ ‡ãŠãÀ¹ããñÀñ› ‡ãòŠ³ ½ãò †‡ãŠ ¹ãî¥ãà †¹ãŠ‚ãメãè ƒ¶ÌãñÔ›½ãò› ›ÈÔ› ãä¹ãŠ¡ñãäÊã›ãè
Ôãì̾ãÌããäÔ©ã¦ã ãäÌã¼ããØã - Íãñ¾ãÀ †Ìãâ ºããâ¡ ãäÌã¼ããØã ‚ããõÀ 14 Ô©ãã¶ããè¾ã ¡ãƒÌããäÔãùãŠãƒ¡ ƒâ›À¶ãñÍã¶ãÊã ¹ã⊡ 0.63
¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ããò ½ãò Íãñ¾ãÀ †Ìãâ ºããâ¡ ‡ãŠàã Öõý ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãè
7. ¼ããÀ¦ããè¾ã Ôãã£ããÀ¥ã ºããè½ãã ãä¶ãØã½ã 0.54
ãäÍã‡ãŠã¾ã¦ãò, ÞããÖñ ºãö‡ãŠ ‡ãŠã¾ããÃÊã¾ããò ½ãò, ¾ãã Àãä•ãÔ›ÈãÀ ‚ããõÀ ‚ãâ¦ãÀ¥ã-
†•ãò›ãò ‡ãñŠ ‡ãŠã¾ããÃÊã¾ã ½ãò ¹ãÆ㹦ã ÖìƒÃ Öãñ, ¦ãìÀâ¦ã £¾ãã¶ã ªñ‡ãŠÀ „¶ã‡ãŠã 8. †Þã¡ã膹ãŠÔããè Ô›õ¥¡¡Ã ÊãヹãŠ
ãä¶ãÌããÀ¥ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ‚ããõÀ ƒÔã ‡ãŠã¾ãà ‡ãŠãè ãä¶ãØãÀã¶ããè ÍããèÓãà ¹ãƺãâ£ã¶ã ƒâ;ããñÀòÔã ‡ãâŠ.ãäÊã. 0.48
Ô¦ãÀ ¹ãÀ ‡ãŠãè •ãã¦ããè Öõý ºãö‡ãŠ ¶ãñ ªñÍã¼ãÀ ½ãò 88 ‚㶾㠇ãñŠ¶³ãò ‡ãŠã 9. ºã•ãã•ã †ãäÊã¾ããâÔã Êãヹ㊠ƒâ;ããñÀòÔã ‡ãâŠ.ãäÊã. 0.44
Þã¾ã¶ã ‡ãŠÀ ¹ãƦ¾ãñ‡ãŠ ‡ãòŠ³ ¹ãÀ Íãñ¾ãÀ£ããÀ‡ãŠãò/ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã‚ããò
¹ãÀ £¾ãã¶ã ªñ¶ãñ ‡ãñŠ ãäÊㆠ†‡ãŠ ‚ããä£ã‡ãŠãÀãè ‡ãŠãñ ¶ãããä½ã¦ã ãä‡ãŠ¾ãã Öõý 10. ãäÔãâØãã¹ãìÀ ÔãÀ‡ãŠãÀ 0.35

92

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Telephones : (022) 22740841-45 Table : 17 Distribution of Shareholdings
(022) 2288 3888 (As on 31-03-2009)
(022) 2283 0535 Shareholders % of
Fax : (022) 2285 5348 shares held

E-mail address : gm.snb@sbi.co.in President of India 59.41%

Non-residents (FIIs/
Share Price Movement:
OCBs /NRIs /GDRs) 12.33%
The movement of the share price and the BSE
Sensex is presented in Table No. 16. The market State Govt.(s)/Financial
capitalisation of the Bank’s shares had a weightage Institutions including Insurance
of 4.38% at BSE and 3.58% at NSE as at the end
of March, 2009. The Bank’s scrip has been one of Companies/ Banks 10.90%
the heavily traded scrips. Mutual Funds/ Government
Table : 16 Market Price Data Companies/UTI 5.36%
(Closing Values)
Domestic companies/
Months SBI’s Share Price BSE Sensex
Pvt. Corporate Bodies/Trusts 5.30%
at BSE (Rs.)
Others including Resident individuals 6.70%
High Low High Low
No. of Shareholders 781263
Apr-08 1819.95 1592.00 17480.74 15297.96
No. of Shares in dematerialised
May-08 1840.00 1438.20 17735.70 16196.02
form (620998421) 97.81%
Jun-08 1496.70 1101.15 16632.72 13405.54
Jul-08 1567.50 1007.00 15130.09 12514.02 Table : 18 Top Ten Shareholders of the Bank
Aug-08 1638.90 1302.00 15579.78 14002.43 (As on 31-03-2009)
Sep-08 1618.00 1353.00 15107.01 12153.55 Name of the Holder Equity
held (%)
Oct-08 1569.90 991.10 13203.86 7697.39
Nov-08 1375.00 1025.00 10945.41 8316.39 1. President of India 59.41
Dec-08 1325.00 995.05 10188.54 8467.43 2 Life Insurance Corp. of India & Group 9.56
Jan-09 1376.40 1031.05 10469.72 8631.60 3 The Bank of New York (GDRs) 4.27
Feb-09 1205.90 1008.30 9724.87 8619.22
4. ICICI Prudential Life Insurance Co. Ltd. 1.79
Mar-09 1132.25 894.00 10127.09 8047.17
5. Europacific Growth Fund 0.77
Investors’ Needs:
6. Fidelity Management &
To meet various requirements of the investors regarding
Research Co. A/c FID
their holdings, the Bank has a full-fledged Department
- Shares & Bonds Department - at its Corporate Centre Investment Trust–Fidelity
at Mumbai and Shares & Bonds Cells at the 14 Local
diversified Intl. Fund 0.63
Head Offices. The investors’ grievances, whether
received at the Bank’s offices or at the office of the 7. General Insurance Corporation of India 0.54
Registrar and Transfer Agents, are redressed
8. HDFC Standard Life Insurance Co. Ltd. 0.48
expeditiously and monitored at the Top Management
level. The Bank has also identified 88 other centres 9. Bajaj Alianz Life Insurance Co. Ltd. 0.44
across the country and designated one official at each
centre to attend to the Shareholders’/ Investors’ needs. 10. Govt. of Singapore 0.35

93

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 ‚ã¶ãìÊãضã‡ãŠ I
ã䪶ããâ‡ãŠ 9 ½ãƒÃ 2009 ‡ãŠãñ ØãõÀ-‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠãò ‡ãñŠ Ôãâºãâ£ã ½ãò Ôãâãäà㹦㠕ãã¶ã‡ãŠãÀãè
¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã
(•ã¶½ããä¦ããä©ã: 22 •ãî¶ã 1953)
¡ã. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè
£ããÀã 19(Øã) ‡ãñŠ ‚ãâ¦ãØãæã 24 •ãî¶ã 2008 Ôãñ ¦ããè¶ã ÌãÓãà ‡ãñŠ ãäÊã†
Íãñ¾ãÀ£ããÀ‡ãŠãò ´ãÀã ãä¶ãÌããÃãäÞã¦ã ãä¶ãªñÍã‡ãŠ Ööý ¡ãù. ¢ãì¶ã¢ãì¶ãÌããÊãã ¼ããÀ¦ããè¾ã
¹ãÆãõ²ããñãäØã‡ãŠãè ÔãâÔ©ãã¶ã, Þãñ¸ãƒÃ ‡ãñŠ ƒÊãñãä‡ã‹›È‡ãŠÊã ƒâ•ããèãä¶ã¾ããäÀâØã ãäÌã¼ããØã ½ãò
¹ãÆãñ¹ãñŠÔãÀ Öö ¦ã©ãã ÔãâÔ©ãã¶ã ‡ãñŠ ªîÀÔãâÞããÀ ‚ããõÀ ‡ã⊹¾ãî›À ¶ãñ›Ìã‡ãÊ Ôã½ãîÖ
(›ñÊããè¶ãñ›) ‡ãñŠ ¹ãƽãìŒã Ööý ¾ãÖ ãäÌã¼ããØã ªîÀÔãâÞããÀ ‚ããõÀ ‡ã⊹¾ãî›À ¶ãñ›Ìã‡ãÊ
¹ãÆ¥ããÊããè ‡ãñŠ ãäÌã‡ãŠãÔã ‡ãñŠ ãäÊㆠ„¶ã „²ããñØããò ‡ãñŠ Ôãã©ã ÔãÜã¶ã ¹ã Ôãñ
‡ãŠã¾ãà ‡ãŠÀ ÀÖã Öõý
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè
(•ã¶½ããä¦ããä©ã: 26 ãäªÔ㽺ãÀ 1949)
Ñããè ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã
19(Øã) ‡ãñŠ ‚ãâ¦ãØãæã 24 •ãî¶ã 2008 Ôãñ ¦ããè¶ã ÌãÓãà ‡ãñŠ ãäÊㆠÍãñ¾ãÀ£ããÀ‡ãŠãò
´ãÀã ãä¶ãÌããÃãäÞã¦ã ãä¶ãªñÍã‡ãŠ Ööý Ìãñ ãä¹ãœÊãñ 35 ÌãÓããô Ôãñ Ôããä‰ãŠ¾ã Ôã¶ãªãè
ÊãñŒãã‡ãŠãÀ ÀÖñ Öö †Ìãâ ÊãñŒãã ¹ãÀãèàãã ºããè½ãã ‡ãŠã¾ããô Ôãñ •ãìü¡ñ Öì† Ööý
Ìãñ ºãö‡ãŠÔãà ¹ãÆãäÍãàã¥ã ‡ãŠãÊãñ•ã, ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ †Ìãâ •ã½ã¶ããÊããÊã
ºã•ãã•ã ¹ãƺãâ£ã¶ã ‚㣾ã¾ã¶ã ÔãâÔ©ãã¶ã, ½ãìâºãƒÃ ‡ãñŠ ‚ããä¦ããä©ã Ìã‡ã‹¦ãã ÀÖñ Ööý
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã
(•ã¶½ããä¦ããä©ã: 8 ¶ãÌ㽺ãÀ 1944)
Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Øã)
‡ãñŠ ‚ãâ¦ãØãæã 24 •ãî¶ã 2008 Ôãñ ¦ããè¶ã ÌãÓãà ‡ãñŠ ãäÊㆠÍãñ¾ãÀ£ããÀ‡ãŠãò ´ãÀã
ãä¶ãÌããÃãäÞã¦ã ãä¶ãªñÍã‡ãŠ Ööý Ìãñ Ôããä‰ãŠ¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Öö †Ìãâ ãäÔã›ãè
Øãìƹ㠆Ìãâ ãäÔã›ãè ºãö‡ãŠ †¶ã† ƒâã䡾ãã ‚ããùØãó¶ãフãñÍã¶ã ½ãò 30 ÌãÓããô Ôãñ
ÌããäÀÓŸ ¹ãƺãâ£ã¶ã Ñãñ¥ããè ‡ãñŠ ãäÌããä¼ã¸ã ¹ãªãò ¹ãÀ ‡ãŠã¾ãÃÀ¦ã ÀÖ Þãì‡ãñŠ Ööý
Ñããè ¡ãè. ÔãìâªÀ½ã
(•ã¶½ããä¦ããä©ã: 16 ‚ã¹ãõÆÊã 1953)
Ñããè ¡ãè. ÔãìâªÀ½ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Øã) ‡ãñŠ
‚ãâ¦ãØãæã 13 •ã¶ãÌãÀãè 2009 Ôãñ Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè ´ãÀã ¦¾ããØã¹ã¨ã
ã䪆 •ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã „¦¹ã¸ã ãäÀãä‡ã‹¦ã ‡ãŠãè ÍãñÓã ‚ãÌããä£ã Öñ¦ãì ‚ã©ããæãá 23
•ãî¶ã 2011 ¦ã‡ãŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ´ãÀã ãä¶ãÌããÃãäÞã¦ã ãä¶ãªñÍã‡ãŠ Ööý Ìãñ ãäÖâªìÔ¦ãã¶ã
¾ãî¶ããèÊããèÌãÀ ãäÊã. (†Þã¾ãî†Êã) ‡ãñŠ „¹ã㣾ãàã †Ìãâ ½ã쌾ã ãäÌ㦦㠂ããä£ã‡ãŠãÀãè
Ööý Ìãñ †‡ãŠ ̾ããÌãÔãããä¾ã‡ãŠ ‚ãÖæãã ¹ãÆ㹦ã ÊãñŒãã‡ãŠãÀ (†¹ãŠ‚ããƒÃÔãã衺ʾãî†)
94
C94 K94
Öö †Ìãâ ãäÌ㦦㠆Ìãâ ÊãñŒããâ‡ãŠ¶ã ‡ãñŠ àãñ¨ããò ½ãò ¹ãÆÞãìÀ ‚ã¶ãì¼ãÌã ¹ãÆ㹦ã Ööý Ìãñ
†Þã¾ãî†Êã Ôã½ãîÖ ½ãò ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã‡ãŠãÀ, Ìãããä¥ãã䕾ã‡ãŠ ¹ãƺãâ£ã‡ãŠ †Ìãâ
‡ãŠãñÓã¹ããÊã ãäÌ㦦ã ÔãªÔ¾ã, ›ãù½ã‡ãŠãñ ƒâ›ãèØãÆñÍã¶ã
›ãè½ã †Ìãâ ãäÌ㦦ã ãä¶ãªñÍã‡ãŠ, ºãì‡ãŠ ºããù¥¡ ãäÊã¹›¶ã ƒâã䡾ãã ãäÊã. •ãõÔãñ ‡ãŠƒÃ
½ãÖ¦Ìã¹ãî¥ãà ¹ãªãò ¹ãÀ ‡ãŠã¾ãà ‡ãŠÀ Þãì‡ãñŠ Ööý Ìãñ ¾ãî¶ããèÊããèÌãÀ ãäÊã., Êã⪶ã
½ãò ‚ã¹ãÆŠãè‡ãŠã †Ìã⠽㣾㠹ãîÌãà Öñ¦ãì Ìãããä¥ãã䕾ã‡ãŠ ‚ããä£ã‡ãŠãÀãè ¦ã©ãã ÌããäÀÓŸ
„¹ã㣾ãàã ãäÌ㦦ã, ‡ãòŠ³ãè¾ã †Ìã⠽㣾ã¹ãîÌãà Ôã½ãîÖ •ãõÔãñ ãäÌããä¼ã¸ã ¹ãªãò ¹ãÀ ¼ããè
‡ãŠã¾ãÃÀ¦ã ÀÖ Þãì‡ãñŠ Ööý
¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè
(•ã¶½ããä¦ããä©ã: 14 •ãìÊããƒÃ 1946)
¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Üã) ‡ãñŠ
‚ãâ¦ãØãæã 9 •ãìÊããƒÃ 2007 Ôãñ ¦ããè¶ã ÌãÓãà ‡ãñŠ ãäÊㆠ‚ã©ãÌãã „¶ã‡ãñŠ „¦¦ãÀããä£ã‡ãŠãÀãè
‡ãŠãè ãä¶ã¾ãìã‡ä ㋦ã, ƒ¶ã½ãò Ôãñ •ããñ ¼ããè ºã㪠½ãò Öãò, (‚ããä£ã‡ãŠ¦ã½ã 6 ÌãÓãÃ) ¦ã‡ãŠ ‡ãòŠ³
ÔãÀ‡ãŠãÀ ´ãÀã ¶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ Ööý Ìãñ †‡ãŠ ¹ã¨ã‡ãŠãÀ Ööý
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè
(•ã¶½ããä¦ããä©ã: 30 •ãìÊããƒÃ 1946)
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè
£ããÀã 19(Üã) ‡ãñŠ ‚ãâ¦ãØãæã 9 •ãìÊããƒÃ 2007 Ôãñ ¦ããè¶ã ÌãÓãà ‡ãñŠ ãäÊㆠ‚ã©ãÌãã
„¶ã‡ãñŠ „¦¦ãÀããä£ã‡ãŠãÀãè ‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã, ƒ¶ã½ãò Ôãñ •ããñ ¼ããè ºã㪠½ãò Öãñ,
(‚ããä£ã‡ãŠ¦ã½ã 6 ÌãÓãÃ) ¦ã‡ãŠ ‡ãòŠ³ ÔãÀ‡ãŠãÀ ´ãÀã ¶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ Ööý Ìãñ
†‡ãŠ ãäÍãàãããäÌãªá Ööý
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã
(•ã¶½ããä¦ããä©ã: 7 ‚ã‡ã‹¦ãîºãÀ 1944)
¡ãù. ÌãÔãâ¦ãã ¼ãÁÞãã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Üã)
‡ãñŠ ‚ãâ¦ãØãæã 25 ¹ãŠÀÌãÀãè 2008 Ôãñ ¦ããè¶ã ÌãÓãà ‡ãñŠ ãäÊㆠ‚ã©ãÌãã „¶ã‡ãñŠ
„¦¦ãÀããä£ã‡ãŠãÀãè ‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã, ƒ¶ã½ãò Ôãñ •ããñ ¼ããè ºã㪠½ãò Öãò, (‚ããä£ã‡ãŠ¦ã½ã
6 ÌãÓãÃ) ¦ã‡ãŠ ‡ãòŠ³ ÔãÀ‡ãŠãÀ ´ãÀã ¶ãããä½ã¦ã ãä¶ãªñÍã‡ãŠ Ööý Ìãñ †‡ãŠ ¹ãÆãä¦ããäÓŸ¦ã
‚ã©ãÃÍããÔ¨ããè ‚ããõÀ Ôãâ¾ãì‡ã‹¦ã ÀãÓ›È ÔãâØ㟶ããò ½ãò †‡ãŠ ‚ãâ¦ãÀÀãÓ›Èãè¾ã
¹ãÀã½ãÍãêã¦ãã Ööý Ìãñ ¶ããèãä¦ã „ªãÀãè‡ãŠÀ¥ã ‡ãñŠ ªãõÀã¶ã Ìãããä¥ã•¾ã ‚ããõÀ „²ããñØã
½ãâ¨ããÊã¾ã ½ãò ‚ãããä©ãÇ㊠ÔãÊããÖ‡ãŠãÀ ‡ãñŠ ¹㠽ãò ‡ãŠã¾ãà ‡ãŠÀ Þãì‡ãŠãè Ööý
Ìãñ ‚ã½ãÀãè‡ãŠã ½ãò ̾ãã¹ããÀ ÔãâÌã£ãö㠇ãŠã¾ããÃÊã¾ã ½ãò ãä¶ãÌããÔããè ãä¶ãªñÍã‡ãŠ
‚ããõÀ ÀãÓ›Èãè¾ã ̾ãã¹ããÀ ÔãîÞã¶ãã ‡ãñŠ¶³ ‡ãŠãè ‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ ¼ããè ÀÖ
Þãì‡ãŠãè Ööý
 Annexure I
Brief summary of the Non-Executive Directors on the Board as on 9th May 2009
Dr. Ashok Jhunjhunwala
(Date of Birth: 22nd June 1953)
Dr. Ashok Jhunjhunwala is a Director elected by
the Shareholders u/s 19(c) of SBI Act, w.e.f. 24th
June 2008, for three years. He is a Professor of the
Department of Electrical Engineering, and leads the
Telecommunications and Computer Network Group
(TeNeT) at IIT, Chennai, which is working closely
with industry in the development of a number of
Telecom and Computer Network Systems.
Shri Dileep C. Choksi
(Date of Birth: 26th December 1949)
Shri Dileep C. Choksi is a Director elected by the
Shareholders u/s 19(c) of SBI Act, w.e.f. 24th June
2008, for three years. He is a practising Chartered
Accountant since 35 years and is associated with
the Audit and Assurance function. He has been a
visiting faculty at the Bankers Training College,
Reserve Bank of India and Jamnalal Bajaj Institute
of Management Studies, Mumbai.
Shri S. Venkatachalam
(Date of Birth: 8th November 1944)
Shri S. Venkatachalam is a Director elected by the
Shareholders u/s 19(c) of SBI Act, w.e.f. 24th June
2008, for three years. He is a practising Chartered
Accountant and was employed with Citi Group and
Citibank NA India Organisation in the Senior
Management Cadre for a period of 30 years in
various capacities.
Shri D. Sundaram
(Date of Birth: 16th April 1953)
Shri Sundaram is a Director elected by the
Shareholders u/s 19(c) of SBI Act, w.e.f. 13th
January 2009, for the residual period of the vacancy
caused by Shri Suman Kumar Bery’s resignation,
i.e upto 23rd June 2011. He is Vice-Chairman &
CFO of Hindustan Unilever Ltd. (HUL). He is a
professionally qualified Accountant (FICWA) and
95
C95 K95
carries a rich experience in the area of Finance and
Accounting. He held many important positions in
HUL group as Corporate Accountant, Commercial
Manager and Treasurer, Finance Member, TOMCO
Integration Team, and Finance Director, Brooke
Bond Lipton India Ltd. He had also held various
positions in Unilever Ltd., London as Commercial
Officer for Africa and Middle East and Senior
Vice President – Finance, Central and Middle
East Group.
Dr. Deva Nand Balodhi
(Date of Birth: 14th July 1946)
Dr. Deva Nand Balodhi is a Director nominated by
the Central Government u/s 19(d) of the SBI Act,
w.e.f. 9th July 2007, for three years or till the
appointment of his successor, whichever is later
(maximum six years). He is a Journalist.
Prof. Md. Salahuddin Ansari
(Date of Birth: 30th July 1946)
Prof. Md. Salahuddin Ansari is a Director nominated
by the Central Government u/s 19(d) of the SBI Act,
w.e.f. 9th July 2007, for three years or till the
appointment of his successor, whichever is later
(maximum six years). He was an Academician.
Dr. (Mrs.) Vasantha Bharucha
(Date of Birth: 7th October 1944)
Dr. Vasantha Bharucha is a Director nominated
by the Central Government u/s 19(d) of the SBI
Act, w.e.f. 25th February 2008, for three years
or till the appointment of his successor, whichever
is later (maximum six years). She is a reputed
economist and an international consultant with
UN organizations. She was Economic Advisor in
the Ministry of Commerce & Industry during
policy liberalization. She was also Resident
Director of the Trade promotion office in the US
and Executive Director of the National Centre for
Trade Information.
 ‚ã¶ãìÊãضã‡ãŠ I (•ããÀãè)

¡ãù. Àã•ããèÌã ‡ã슽ããÀ
(•ã¶½ããä¦ããä©ã: 6 •ãìÊããƒÃ 1951)
¡ãù. Àã•ããèÌã ‡ã슽ããÀ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 19(Üã)
‡ãñŠ ‚ãâ¦ãØãæã 08 ãäÔã¦ãâºãÀ 2008 Ôãñ ãä¶ãªñÍã‡ãŠ Ööý Ìãñ †‡ãŠ ¹ãÆŒ¾ãã¦ã
‚ã©ãÃÍããÔ¨ããè Öö ãä•ã¶Öãò¶ãñ ¶¾ãî ‡ãŠãùÊãñ•ã, ‚ããù‡ã‹Ôã¹ãŠãñ¡Ã ãäÌãÍÌããäÌã²ããÊã¾ã Ôãñ
¡ãè. ãä¹ãŠÊã ãä‡ãŠ¾ãã Öõý Ìãñ Ìã¦ãýãã¶ã ½ãò ‚ããƒÔããè‚ããÀ‚ãッÂããÀ ‡ãñŠ ãä¶ãªñÍã‡ãŠ
†Ìãâ ¹ãƽãìŒã ‡ãŠã¾ãùããÊã‡ãŠ Öö, ªñÍã ‡ãñŠ ‚ãØãÆ¥ããè ¶ããèãä¦ã ãäÌãÞããÀ‡ãŠªÊã †Ìãâ
¼ããÀ¦ããè¾ã ªîÀÔãâÞããÀ ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãÆããä£ã‡ãŠÀ¥ã ‡ãñŠ ÔãªÔ¾ã (‚ãâÍã‡ãŠããäÊã‡ãŠ)
Ööý ƒÔãÔãñ ¹ãÖÊãñ Ìãñ ÀãÓ›Èãè¾ã ÔãìÀàãã ÔãÊããÖ‡ãŠãÀ ºããñ¡Ã ‡ãñŠ †‡ãŠ ÔãªÔ¾ã,
¼ããÀ¦ããè¾ã „²ããñØã ½ãÖãÔãâÜã ‡ãñŠ ½ã쌾㠂ã©ãÃÍããÔ¨ããè ©ãñ ‚ããõÀ †ãäÍã¾ã¶ã
¡ñÌãÊã¹ã½ãò› ºãö‡ãŠ ‡ãñŠ Ôãã©ã ©ãñý
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã
(•ã¶½ããä¦ããä©ã: 20 •ãî¶ã 1949)
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè
£ããÀã 19(Þã) ‡ãñŠ ‚ãâ¦ãØãæã 28 ãäÔã¦ãâºãÀ 2004 Ôãñ (¼ããÀ¦ããè¾ã ãäÀû•ãÌãÃ
ºãö‡ãŠ ´ãÀã ¶ãããä½ã¦ã) ãä¶ãªñÍã‡ãŠ Ööý Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã ¼ããÀ¦ããè¾ã
ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè „¹ã ØãÌãöãÀ Ööý

96

C96 K96
 Annexure I (contd.)

Dr. Rajiv Kumar member of the National Security Advisory Board,

(Date of Birth: 6th July 1951)
Dr. Rajiv Kumar is a Director nominated by the
Central Government u/s 19(d) of the SBI Act, w.e.f.
8th September 2008. He is an eminent economist
having completed his D.Phil from New College,
Oxford University. He is presently the Director and
Chief Executive of ICRIER, the country’s leading
policy think tank and Member (Part time) of Telecom
Regulatory Authority of India. Earlier, he was a
the Chief Economist of Confederation of Indian
Industry and with the Asian Development Bank.
Smt. Shyamala Gopinath
(Date of Birth: 20th June 1949)
Smt. Shyamala Gopinath is a Director u/s 19(f) of
SBI Act (nominated by Reserve Bank of India),
w.e.f. 28th September 2004. Smt. Gopinath is
Deputy Governor, Reserve Bank of India.

97

C97 K97
 ‚ã¶ãìÊãضã‡ãŠ II
31.03.2009 ‡ãŠãñ ãä¶ãªñÍã‡ãŠ ºããñ¡Ã/ºãö‡ãŠ/‚㶾㠇ã⊹ããä¶ã¾ããò ‡ãŠãè ºããñ¡Ã Ô¦ãÀãè¾ã Ôããä½ããä¦ã¾ããò
‡ãŠãè Ôã⌾ãã ãä•ã¶ã½ãò ãä¶ãªñÍã‡ãŠ ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠ ÔãªÔ¾ã/‚㣾ãàã Öö
ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã ̾ãÌãÔãã¾ã †Ìãâ ¹ã¦ãã ºããñ¡Ã ½ãò ãä¶ã¾ãìãä‡ã‹¦ã ‡ãŠãè ãä¦ããä©ã ‡ã⊹ããä¶ã¾ããò ‡ãŠãè Ôã⌾ãã (ºãö‡ãŠ ÔããäÖ¦ã)
1. Ñããè ‚ããñ.¹ããè. ¼ã›á› ‚㣾ãàã 26.04.2006 ‚㣾ãàã 20
‰ãŠ.5, ¡ì¶ãñ¡ãè¶ã (01.07.2006 Ôãñ ãä¶ãªñÍã‡ãŠ 3
•ãñ. †½ã. ½ãñÖ¦ãã Àãñ¡ ‚㣾ãàã ‡ãñŠ ¹ã Ôããä½ããä¦ã ‚㣾ãàã 3
½ãìâºãƒÃ 400 006 ½ãò ãä¶ã¾ãì‡ã‹¦ã) ÔãªÔ¾ã/¹ãÆÍããÔããè
ºããñ¡Ã ‡ãñŠ ÔãªÔ¾ã 8
2. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãà ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ 08.10.2007 ãä¶ãªñÍã‡ãŠ 1
†½ã-2, ãä‡ãŠ¸ãñÊã¶ã ›ãùÌãÔãà Ôããä½ããä¦ã ‚㣾ãàã 4
100 †, ¶ãñãä¹ã¾ã¶ã Ôããè Àãñ¡ Ôããä½ããä¦ã ÔãªÔ¾ã 6
½ãìâºãƒÃ 400 006
3. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ 05.12.2008 ãä¶ãªñÍã‡ãŠ 12
†½ã-1, ãä‡ãŠ¸ãñÊã¶ã ›ãùÌãÔãà Ôããä½ããä¦ã ‚㣾ãàã 3
100 †, ¶ãñãä¹ã¾ã¶ã Ôããè Àãñ¡ Ôããä½ããä¦ã ÔãªÔ¾ã 24
½ãìâºãƒÃ 400 006
ØãõÀ ‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ
4. ¡ãù.‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã ¹ãÆãñ¹ãñŠÔãÀ 24.06.2008 ãä¶ãªñÍã‡ãŠ 14
›ñãäÊã‡ãŠãù½ã †Ìãâ ¶ãñ›Ìã‡ãÊ ÔãÊããÖ‡ãŠãÀ ºããñ¡Ã/
(›ãè¶ãñ›) ØãÆì¹ã, ã䡹ãã›Ã½ãò› ‚ãã¹ãŠ ØãÌããä¶ãÄØã ‡ãŠã„âãäÔãÊã 6
ƒÊãñãä‡ã‹›È‡ãŠÊã ƒâ•ããèãä¶ã¾ããäÀâØã ãäÌã¼ããØã Ôããä½ããä¦ã ‚㣾ãàã 3
‚ãヂãホãè ½ã³ãÔã
Þãñ¸ãƒÃ 600 036 Ôããä½ããä¦ã ÔãªÔ¾ã 12
5. Ñããè ãäªÊããè¹ã Ôããè.Þããõ‡ãŠÔããè Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ 24.06.2008 ãä¶ãªñÍã‡ãŠ 4
Ôããè 3 †¡ÌãフãÔãà ¹ãÆã.ãäÊã. Ôããä½ããä¦ã ‚㣾ãàã 2
½ã¹ãŠ¦ãÊããÊã Öã„Ôã Ôããä½ããä¦ã ÔãªÔ¾ã 4
ºãõ‡ãŠºãñ Àãè‡ã‹Êãñ½ãñÍã¶ã
½ãâìºãƒÃ
6. Ñããè †Ôã.Ìãö‡ãŠ›ãÞãÊã½ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ 24.06.2008 ãä¶ãªñÍã‡ãŠ 4
ãäºããäÊ¡âØã ºããè-1, ¹ã‹Êãõ› 1-¡ãè Ôããä½ããä¦ã ‚㣾ãàã 1
(¹ãÆ©ã½ã ½ãâãä•ãÊã) ÖãºãÃÀ ÖホáÔã Ôããä½ããä¦ã ÔãªÔ¾ã 5
†¶ã. †. ÔããÌãâ¦ã ½ããØãÃ, ‡ãŠãñÊããºãã
½ãìâºãƒÃ
7. Ñããè ¡ãè. ÔãìâªÀ½ã „¹ã㣾ãàã †Ìãâ ½ã쌾ã ãäÌ㦦㠂ããä£ã‡ãŠãÀãè 13.01.2009 ãä¶ãªñÍã‡ãŠ 5
ãäÖâªìÔ¦ãã¶ã ¾ãî¶ããèÊããèÌãÀ ãäÊã. ‚㣾ãàã 2
165/166, ºãõ‡ãŠºãñ Àãè‡ã‹Êãñ½ãñÍã¶ã „¹ã㣾ãàã †Ìãâ ½ã쌾ã
½ãìâºãƒÃ ãäÌ㦦㠂ããä£ã‡ãŠãÀãè 1
ÔãªÔ¾ã - ØãÌã¶ãÃÀ ºããñ¡Ã 1

98

C98 K98
 Annexure II
Total Number of Memberships/Chairmanships held by the Directors on the Boards/
Board-level Committees of the Bank/Other Companies as on 31.03.2009
Name of Director Occupation & Appointed to Number of Companies
Address Board since (including the Bank)
1. Shri O.P. Bhatt Chairman 26.04.2006 Chairman 20
No.5, Dunedin, (Appointed as Director 3
J.M.Mehta Road, Chairman w.e.f. Committee Chairman 3
Mumbai 400 006 01.07.2006) Member/Member of the
Governing Board 8

2. Shri S.K. Bhattacharyya Managing Director 08.10.2007 Director 1

M-2, Kinnellan Towers, Chairman of Committee 4
100A, Napean Sea Road, Committee Member 6
Mumbai 400 006

3. Shri R. Sridharan Managing Director 05.12.2008 Director 12

M-1, Kinnellan Towers, Chairman of Committee 3
100A, Napean Sea Road, Committee Member 24
Mumbai 400 006

Non-Executive Directors

4. Dr. Ashok Jhunjhunwala Professor, Telecom & 24.06.2008 Director 14

Networks (TeNeT) Group, Advisory Board/
Department of Electrical Governing Council 6
Engineering, IIT Madras, Chairman of Committee 3
Chennai - 600 036 Committee Member 12

5. Shri Dileep C. Choksi Chartered Accountant, 24.06.2008 Director 4

C3 Advisors Pvt Ltd, Chairman of Committee 2
Mafatlal House, Committee Member 4
Backbay Reclamation,
Mumbai

6. Shri S. Venkatachalam Chartered Accountant, 24.06.2008 Director 4

Building B-1, Flat 1-D Chairman of Committee 1
(First Floor) Harbour Heights, Committee Member 5
N.A. Sawant Marg, Colaba
Mumbai

7. Shri D. Sundaram Vice-Chairman & CFO, 13.01.2009 Director 5

Hindustan Unilever Ltd. Chairman 2
165/166, Backbay Reclamation, Vice-Chairman & CFO 1
Mumbai Member – Board of
Governors 1

99

C99 K99
 ‚ã¶ãìÊãضã‡ãŠ II (•ããÀãè)

ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã ̾ãÌãÔãã¾ã †Ìãâ ¹ã¦ãã ºããñ¡Ã ½ãò ãä¶ã¾ãìãä‡ã‹¦ã ‡ãŠãè ãä¦ããä©ã ‡ã⊹ããä¶ã¾ããò ‡ãŠãè Ôã⌾ãã (ºãö‡ãŠ ÔããäÖ¦ã)
8. ¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè ¹ã¨ã‡ãŠãÀ 09.07.2007 ãä¶ãªñÍã‡ãŠ 1
669, ¹ãÆ©ã½ã ½ãâãä•ãÊã, ãä½ããäÊã›Èãè Àãñ¡ Ôããä½ããä¦ã ‚㣾ãàã 2
‚ãã¶ã⪠¹ãÌãæã Ôããä½ããä¦ã ÔãªÔ¾ã 1
¶ãƒÃ ãäªÊÊããè 110 091
9. ¹ãÆãñ. ½ããñ. ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè ãäÍãàãããäÌãªá 09.07.2007 ãä¶ãªñÍã‡ãŠ 1
7 ŒãÊããÔããè ½ããñÖÊÊãã Ôããä½ããä¦ã ÔãªÔ¾ã 3
½ã£ãì¹ãìÀ, ¡ã‡ãŠÜãÀ: ½ã£ãì¹ãìÀ
ãä•ã. ªñÌãÜãÀ
¢ããÀŒã¥¡ 815 353
10. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã ‚ã©ãÃÍããÔ¨ããè 25.02.2008 ãä¶ãªñÍã‡ãŠ 2
Ôããè-II/2450 Ôããä½ããä¦ã ÔãªÔ¾ã 5
ÌãÔãâ¦ã ‡ãì⊕ã
¶ãƒÃ ãäªÊÊããè 110 070
11. ¡ãù. Àã•ããèÌã ‡ã슽ããÀ ãä¶ãªñÍã‡ãŠ †Ìãâ ¹ãƽãìŒã ‡ãŠã¾ãùããÊã‡ãŠ ‚ããä£ã‡ãŠãÀãè 08.09.2008 ãä¶ãªñÍã‡ãŠ 2
ƒâã䡾ã¶ã ‡ãŠã„ãä¶ÔãÊã ¹ãŠãùÀ ãäÀÔãÞãà ‚ããù¶ã
ƒâ›À¶ãñÍã¶ãÊã ƒ‡ãŠ¶ããùãä½ã‡ãŠ ãäÀÊãñÍãâÔã
(‚ããƒÔããè‚ããÀ‚ãッÂããÀ) ‡ãŠãñÀ 6†,
Þããõ©ããè ½ãâãä•ãÊã, ƒâã䡾ãã Öõãäºã›õ› Ôãò›À,
Êããñ£ããè Àãñ¡, ¶ãƒÃ ãäªÊÊããè 110 003
12. Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã ÔããäÞãÌã (ãäÌ㦦ã) 18.01.2008 ãä¶ãªñÍã‡ãŠ 5
(¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ ¶ãããä½ã¦ããè) ãäÌ㦦㠽ãâ¨ããÊã¾ã, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ (30.04.2009 Ôããä½ããä¦ã ÔãªÔ¾ã 1
(ºãöãä‡ãâŠØã ¹ãƼããØã), ‡ãŠãñ ‚ããä£ãÌããäÓãæãã
•ããèÌã¶ã ªãè¹ã ãäºããäÊ¡âØã, ¹ãÆ㹦㠇ãŠãè)
¹ãããäÊãþãã½ãò› Ô›Èãè›,
¶ãƒÃ ãäªÊÊããè 110 001
13. Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã „¹ã ØãÌã¶ãÃÀ 28.09.2004 ãä¶ãªñÍã‡ãŠ 4
(¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ, Ôããä½ããä¦ã ÔãªÔ¾ã 1
¶ãããä½ã¦ããè) ‡ãñŠ¶³ãè¾ã ‡ãŠã¾ããÃÊã¾ã
ãä½ãâ› Àãñ¡
½ãìâºãƒÃ 400 001

100

C100 K100
 Annexure II (contd.)
Name of Director Occupation & Appointed to Number of Companies
Address Board since (including the Bank)
8. Dr. Deva Nand Balodhi Journalist 09.07.2007 Director 1
669, 1st Floor, Military Road, Chairman of Committee 2
Anand Parvat, Committee Member 1
New Delhi 110 091

9. Prof. Md. Salahuddin Academician, 09.07.2007 Director 1

Ansari 7 Khalasi Mohalla, Committee Member 3
Madhupur, P.O. Madhupur
Dist. Deoghar,
Jharkhand 815 353

10. Dr. (Mrs.) Vasantha Economist 25.02.2008 Director 2

Bharucha C-II/2450 Committee Member 5
Vasant Kunj
New Delhi 110 070

11. Dr. Rajiv Kumar Director & CEO, Indian 08.09.2008 Director 2
Council for Research on
International Economic
Relations(ICRIER) Core 6A,
4th Floor, India Habitat Center,
Lodhi Road, New Delhi 110 003

12. Shri Arun Ramanathan Secretary (Finance), 18.01.2008 Director 5

(GOI Nominee) Ministry of Finance, (attained Committee Member 1
Government of India, superannuation
(Banking Division), on 30.04.2009)
Jeevan Deep Bldg.
Parliament Street,
New Delhi 110 001

13. Smt. Shyamala Gopinath Deputy Governor 28.09.2004 Director 4

(Reserve Bank of India RBI, Central Office Committee Member 1
Nominee) Mint Road
Mumbai 400 001

101

C101 K101
 ‚ã¶ãìÊãضã‡ãŠ III

31.03.2009 ‡ãŠãñ ºãö‡ãŠ ‡ãñŠ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠãò ‡ãŠãè Íãñ¾ãÀ£ãããäÀ¦ãã ‡ãŠã º¾ããñÀã
‰ãŠ.Ôãâ. ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã ‰ãŠ.Ôãâ. ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã

1. Ñããè ‚ããñ.¹ããè. ¼ã›á› 1240 8. ¡ãù. ªñÌãã¶ã⪠ºãÊããñ£ããè ãä¶ãÀâ‡ãŠ

2. Ñããè †Ôã.‡ãñŠ.¼ã›á›ãÞãã¾ãà 832 9. ¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè ãä¶ãÀâ‡ãŠ
3. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã 560 10. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã ãä¶ãÀâ‡ãŠ
4. ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã 625 11. ¡ãù. Àã•ããèÌã ‡ã슽ããÀ ãä¶ãÀâ‡ãŠ
5. Ñããè ãäªÊããè¹ã Ôããè. Þããñ‡ãŠÔããè 500 12. Ñããè ‚ãÁ¥ã Àã½ã¶ãã©ã¶ã ãä¶ãÀâ‡ãŠ
6. Ñããè †Ôãá. Ìãö‡ãŠ›ãÞãÊã½ã 500 13. Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã ãä¶ãÀâ‡ãŠ
7. Ñããè ¡ãè. ÔãìâªÀ½ã 2640

102

C102 K102
 Annexure III
Details of shareholding of Directors on the Bank’s Central Board as on 31.03.2009

Sl. No. Name of Director No. of Shares Sl. No. Name of Director No. of Shares

1. Shri O.P. Bhatt 1240 8. Dr. Deva Nand Balodhi Nil

2. Shri S.K. Bhattacharyya 832 9. Prof. Md. Salahuddin Ansari Nil

3. Shri R. Sridharan 560 10. Dr. (Mrs.) Vasantha Bharucha Nil

4. Dr. Ashok Jhunjhunwala 625 11. Dr. Rajiv Kumar Nil

5. Shri Dileep C. Choksi 500 12. Shri Arun Ramanathan Nil

6. Shri S. Venkatachalam 500 13. Smt. Shyamala Gopinath Nil

7. Shri D. Sundaram 2640

103

C103 K103
 ‚ã¶ãìÊãضã‡ãŠ IV
ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ‡ãñŠ¶³ãè¾ã ºããñ¡Ã †Ìãâ ºããñ¡Ã Ô¦ãÀãè¾ã Ôããä½ããä¦ã ‡ãŠãè ºãõŸ‡ãŠãò ½ãò „¹ããäÔ©ã¦ã
Öãñ¶ãñ ‡ãñŠ ãäÊㆠãä¶ãªñÍã‡ãŠãò ‡ãŠãñ ‚ãªã ãä‡ãŠ† ØㆠºãõŸ‡ãŠ Íãìʇ㊠‡ãŠã º¾ããñÀã
‰ãŠ.Ôãâ. ãä¶ãªñÍã‡ãŠ ‡ãŠã ¶ãã½ã ‡ãñŠ³ãè¾ã ºããñ¡Ã @ ‡ãñŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ‚ã¶¾ã ºããñ¡Ã ‡ãìŠÊã
‡ãŠã¾ãÇãŠããäÀ¥ããè Ôããä½ããä¦ã Ô¦ãÀãè¾ã Ôããä½ããä¦ã
@ Á. 5,000/- @ Á. 2,500/- @ Á. 2,500/-

1. Ñããè Ôãì½ã¶ã ‡ã슽ããÀ ºãñÀãè 10,000/- 10,000/- 5,000/- 25,000/-

2. ¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã 45,000/- 40,000/- 45,000/- 1,30,000/-

3. Ñããè ãäªÊããè¹ã Ôããè. Þããñ‡ãŠÔããè 25,000/- 70,000/- 30,000/- 1,25,000/-

4. Ñããè †Ôã. Ìãö‡ãŠ›ãÞãÊã½ã 35,000/- 95,000/- 30,000/- 1,60,000/-

5. Ñããè ¡ãè. ÔãìâªÀ½ã 10,000/- 22,500/- — 32,500/-

6. ÏÇããè †. Ôããè. ‡ãŠãäÊã¦ãã 5,000/- 15,000/- — 20,000/-

7. ¡ãù. ªñÌãã ¶ã⪠ºãÊããñ£ããè 45,000/- 95,000/- 25,000/- 1,65,000/-

8. ¹ãÆãñ. ½ããñ. ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè 30,000/- 47,500/- 10,000/- 87,500/-

9. ¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã 45,000/- 77,500/- 22,500/- 1,45,000/-

10. ¡ãù. Àã•ããèÌã ‡ã슽ããÀ 10,000/- 10,000/- — 20,000/-

‚ã¶ãìÊãضã‡ãŠ V
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ
ÜããñÓã¥ãã
ºãö‡ãŠ ‡ãŠãè ‚ããÞããÀ ÔãâãäÖ¦ãã ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ‡ãŠãè ¹ãìãäÓ›
½ãö ÜããñÓã¥ãã ‡ãŠÀ¦ãã Öîú ãä‡ãŠ Ôã¼ããè ºããñ¡Ã ÔãªÔ¾ããò ‚ããõÀ ÌããäÀÓŸ ¹ãƺãâ£ã¶ã ¶ãñ ãäÌ㦦ããè¾ã ÌãÓãà 2008-09 ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãŠãè ‚ããÞããÀ
ÔãâãäÖ¦ãã ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ‡ãŠãè ¹ãìãäÓ› ‡ãŠãè Öõý

ÖÔ¦ãã/-
(‚ããñ.¹ããè.¼ã›á›)
‚㣾ãàã
16 ‚ã¹ãÆõÊã 2009

104

C104 K104
 Annexure IV
Details of Sitting Fees paid to Directors for attending Meetings
of the Central Board and Board-level Committees during 2008-09
Sl. No. Name of Director Central Board ECCB Other Total
Committees
@ Rs. 5,000/- @ Rs.2,500/- @ Rs.2,500/-

1. Shri Suman Kumar Bery 10,000/- 10,000/- 5,000/- 25,000/-

2. Dr. Ashok Jhunjhunwala 45,000/- 40,000/- 45,000/- 1,30,000/-

3. Shri Dileep C. Choksi 25,000/- 70,000/- 30,000/- 1,25,000/-

4. Shri S. Venkatachalam 35,000/- 95,000/- 30,000/- 1,60,000/-

5. Shri D. Sundaram 10,000/- 22,500/- — 32,500/-

6. Shri Ananta Chandra Kalita 5,000/- 15,000/- — 20,000/-

7. Dr. Deva Nand Balodhi 45,000/- 95,000/- 25,000/- 1,65,000/-

8. Prof. Md. Salahuddin Ansari 30,000/- 47,500/- 10,000/- 87,500/-

9. Dr. (Mrs.) Vasantha Bharucha 45,000/- 77,500/- 22,500/- 1,45,000/-

10. Dr. Rajiv Kumar 10,000/- 10,000/- — 20,000/-

ANNEXURE V
STATE BANK OF INDIA

DECLARATION

AFFIRMATION OF COMPLIANCE WITH THE BANK’S CODE OF CONDUCT

I declare that all Board Members and Senior Management have affirmed compliance with the
Bank’s Code of Conduct for the Financial Year 2008-09.

Sd/-

(O.P. BHATT)
CHAIRMAN
16th April 2009

105

C105 K105
 •ããè. †½ã. ‡ãŠ¹ãããäü¡¾ãã †¥¡ ‡ã⊹ã¶ããè
(¹ãâ•ããè‡ãðŠ¦ã)
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ

‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã Ôãâºãâ£ããè ÊãñŒãã¹ãÀãèàã‡ãŠãò ‡ãŠã ¹ãƽãã¥ã¹ã¨ã

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ ãäÊã†

Ö½ã¶ãñ 31 ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ´ãÀã ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãŠãè „¶ã Íã¦ããô ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã
‡ãŠãè •ããúÞã ‡ãŠãè Öõ, •ããñ ¼ããÀ¦ã ½ãò Íãñ¾ãÀ-ºãã•ããÀãò ‡ãñŠ Ôãã©ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ÔãîÞããè‡ãŠÀ¥ã-‡ãŠÀãÀ ‡ãñŠ Œãâ¡ 49 ½ãò ãä¶ã£ããÃãäÀ¦ã
‡ãŠãè ØãƒÃ Ööý
‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãŠãè Íã¦ããô ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ‡ãŠãè ãä•ã½½ãñªãÀãè ¹ãƺãâ£ã¶ã ÌãØãà ‡ãŠãè Öõý Ö½ããÀãè •ããâÞã ¼ããÀ¦ããè¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ
ÔãâÔ©ãã¶ã ´ãÀã •ããÀãè ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãñŠ ¹ãƽãã¥ã¶ã Ôãâºãâ£ããè ãä¶ãªóÍã‡ãŠ ¶ããñ› ‡ãñŠ ‚ã¶ãìÔããÀ ‡ãŠãè ØãƒÃ Öõ ‚ããõÀ ¾ãÖ ‡ãŠãÀ¹ããñÀñ›
‚ããä¼ãÍããÔã¶ã ‡ãŠãè Íã¦ããô ‡ãŠã ‚ã¶ãì¹ããÊã¶ã Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãñ Öñ¦ãì ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ´ãÀã ‚ã¹ã¶ããƒÃ ØãƒÃ ‡ãŠã¾ãÃãäÌããä£ã¾ããò ¦ã©ãã „¶ã‡ãñŠ
‡ãŠã¾ããöÌã¾ã¶ã ¦ã‡ãŠ Öãè Ôããèãä½ã¦ã ©ããèý ¾ãÖ ¶ã ¦ããñ ÊãñŒãã-¹ãÀãèàãã Öõ ‚ããõÀ ¶ã Öãè ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ¹ãÀ
‚ããä¼ã½ã¦ã ‡ãŠãè ‚ããä¼ã̾ããä‡ã‹¦ã Öõý
Ö½ããÀãè Àã¾ã ½ãò ‚ããõÀ •ãÖãú ¦ã‡ãŠ Ö½ãò •ãã¶ã‡ãŠãÀãè Öõ, „Ôã‡ãñŠ ‚ã¶ãìÔããÀ †Ìãâ Ö½ãò ã䪆 ØㆠԹãÓ›ãè‡ãŠÀ¥ããò ‡ãñŠ ‚ã¶ãìÔããÀ ֽ㠹ãƽãããä¥ã¦ã
‡ãŠÀ¦ãñ Öö ãä‡ãŠ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ „¹ã¾ãìÇ㋦ã ÔãîÞããè‡ãŠÀ¥ã-‡ãŠÀãÀ ½ãò ãä¶ã£ããÃãäÀ¦ã ‡ãŠãÀ¹ããñÀñ› ‚ããä¼ãÍããÔã¶ã ‡ãŠãè Íã¦ããô ‡ãŠã Ôã¼ããè
½ãÖ¦Ìã¹ãî¥ãà ºãã¦ããò ‡ãŠã Ôã½ããÌãñÍã ‡ãŠÀ¦ãñ Öì† ‚ã¶ãì¹ããÊã¶ã ãä‡ãŠ¾ãã Öõý
Ö½ã ÔãîãäÞã¦ã ‡ãŠÀ¦ãñ Öö ãä‡ãŠ Íãñ¾ãÀ£ããÀ‡ãŠ / ãä¶ãÌãñÍã‡ãŠ ãäÍã‡ãŠã¾ã¦ã-ãä¶ãÌããÀ¥ã Ôããä½ããä¦ã ´ãÀã ÀŒãñ Øㆠ‚ããä¼ãÊãñŒããò ‡ãñŠ ‚ã¶ãìÔããÀ ¼ããÀ¦ããè¾ã
Ô›ñ› ºãö‡ãŠ ‡ãñŠ ãäÌãÁ® ‡ãŠãñƒÃ ¼ããè ãä¶ãÌãñÍã‡ãŠ-ãäÍã‡ãŠã¾ã¦ã †‡ãŠ ½ããÖ Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠÊãâãäºã¦ã ¶ãÖãé Öõý
ֽ㠾ãÖ ¼ããè ÔãîãäÞã¦ã ‡ãŠÀ¦ãñ Öö ãä‡ãŠ ¾ãÖ ‚ã¶ãì¹ããÊã¶ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè ¼ããÌããè ̾ãÌãÖã¾ãæãã ‡ãñŠ Ôãâºãâ£ã ½ãò ¶ã ¦ããñ ‚ããÍÌããÔã¶ã
Öõ, ¶ã Öãè „Ôã ‡ãìŠÍãÊã¦ãã ‚ã©ãÌãã ¹ãƼããÌã‡ãŠããäÀ¦ãã Ôãñ Ôãâºãâãä£ã¦ã Öõ, ãä•ãÔã‡ãñŠ ´ãÀã ¹ãƺãâ£ã¶ã ÌãØãà ¶ãñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ‡ãŠãÀãñºããÀ
‡ãŠã ÔãâÞããÊã¶ã ãä‡ãŠ¾ãã Öõý

•ããè. †½ã. ‡ãŠ¹ãããäü¡¾ãã †¥¡ ‡ãâŠ.

Ôã¶ãªãè ÊãñŒãã‡ãŠãÀãò ‡ãñŠ ãäÊㆠ¦ã©ãã „¶ã‡ãŠãè ‚ããñÀ Ôãñ

Ö.
Ô©ãã¶ã : ‡ãŠãñÊã‡ãŠã¦ãã (Àã•ã¶ã ‚ãÍãÀ)
ã䪶ããâ‡ãŠ : 9 ½ãƒÃ 2009
ÔãªÔ¾ã¦ãã Ôãâ.: 48243

106

C106 K106
 G. M. KAPADIA & CO.
(Registered)
Chartered Accountants

AUDITORS' CERTIFICATE ON CORPORATE GOVERNANCE

To the Shareholders of
State Bank of India
We have examined the compliance of conditions of Corporate Governance by
State Bank of India, for the year ended on 31st March 2009, as stipulated in
Clause 49 of the Listing Agreement of State Bank of India with Stock
Exchanges in India.
The compliance of the conditions of Corporate Governance is the responsibility
of the Management. Our examination was carried out in accordance with the
Guidance Note on Certification of Corporate Governance, issued by the Institute
of Chartered Accountants of India and was limited to procedures and
implementation thereof, adopted by State Bank of India for ensuring the
compliance of the conditions of Corporate Governance. It is neither an audit
nor an expression of opinion on the financial statements of State Bank of India.
In our opinion and to the best of our information and according to the
explanations given to us, we certify that State Bank of India has, in all material
respects, complied with the conditions of Corporate Governance as stipulated in
the above-mentioned Listing Agreement.
We state that no investor grievances are pending for a period exceeding one month
against State Bank of India as per records maintained by the Shareholders/
Investors Grievance Committee.
We further state that such compliance is neither an assurance as to the future
viability of State Bank of India nor the efficiency or effectiveness with which
the management has conducted the affairs of the State Bank of India.

For and on behalf of

G. M. Kapadia & Co.
Chartered Accountants

(Rajen Ashar)
Place: Kolkata
Date: 9th May, 2009 Membership No. 48243

107

C107 K107
 31 XpE{ 2009 @‚√ ˘∫P<O @u‚ dSs_pZ Os[S-Tm
WpZOrY ∫J>uJ> Vvõ@‚ @‚p (000 @‚pu F>puÊ <QYp BYp `v)
BALANCE SHEET OF STATE BANK OF INDIA AS ON 31 ST MARCH 2009 (000s omitted)

TtzGr dpvZ QuYOphy dSs_tEr 31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O
_z. @u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
CAPITAL AND LIABILITIES Schedule As on 31.3.2009 As on 31.3.2008
No. (Current year) (Previous year)

‘. Rs. ‘. Rs.
TtzGr
Capital ... ... 1 634,88,02 631,47,04
dpZ<b<OYpy dpvZ d<R]u^
Reserves & Surplus ... ... 2 57312,81,62 48401,19,11
GXpZp<]Ypy
Deposits ... ... 3 742073,12,80 537403,94,09
fRpZ
Borrowings ... ... 4 53713,68,21 51727,41,13
dÆY QuYOphy dpvZ T}p\RpS
Other liabilities & provisions ... ... 5 110697,57,42 83362,29,84

YpuB
TOTAL 964432,08,07 721526,31,21

dp˘∫OYpy dSs_tEr 31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

_z. @u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
ASSETS Schedule As on 31.3.2009 As on 31.3.2008
No. (Current year) (Previous year)

‘. Rs. ‘. Rs.
S@‚Qr dpvZ WpZOrY qZ˚\{ Vvõ@‚ Xuõ GXpZp<]Ypy
Cash & balances with Reserve Bank of India ... ... 6 55546,17,27 51534,61,58
Vvõ@‚puz Xuõ GXpZp<]Ypy dpvZ XpyB OPp d∂T _tESp TZ T}pØY RSZp<]
Balances with banks & money at call & short notice ... 7 48857,62,59 15931,71,92
<\<SRpS
Investments ... ... 8 275953,95,69 189501,27,09
d<B}X
Advances ... ... 9 542503,20,42 416768,19,62
dE[ dp˘∫OYpy
Fixed Assets ... ... 10 3837,84,72 3373,48,09
dÆY dp˘∫OYpy
Other Assets ... ... 11 37733,27,38 44417,02,91

YpuB
TOTAL 964432,08,07 721526,31,21

_Xp<kO QuYOphy / Contingent liabilities ... ... 12 ‘. Rs. 723699,75,70 ‘. Rs. 810796,48,07
_zB}`N @u‚ <[h <V[ / Bills for collection ... ... — ‘. Rs. 43870,56,67 ‘. Rs. 18946,79,95
T}XsA [uAp Sr<OYpy / Principal Accounting Policies ... ... 17
[uAp-qJ>ØT<NYpy / Notes to Accounts ... ... 18

108

C108 K108
 1 — TtzGr
dSs_tEr
SCHEDULE 1 — CAPITAL
(000 @‚pu F>puÊ> <QYp BYp `v)
(000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (qTF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)
‘. Rs. ‘. Rs.

- 10/- ‘Th T}<O ]uYZ \p[u 100,00,00,000 ]uYZ

T}p<R@w‚O TtzGr
Authorised Capital - 100,00,00,000 shares of Rs.10/- each 1000,00,00 1000,00,00

ãä¶ãØãÃãä½ã¦ã -
63,49,68,500 (ãä¹ãœÊãñ ÌãÓãà 63,15,58,654) ¹ãƦ¾ãñ‡ãŠ ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀ Á. 10/- ‡ãŠã
Issued Capital
63,49,68,500 (Previous Year 63,15,58,654) Equity Shares of Rs.10/- each 634,96,85 631,55,87

‚ããä¼ãª¦ã ‚ããõÀ Ôã⪦㠹ãîâ•ããè - 63,48,80,222 Íãñ¾ãÀ (ãä¹ãœÊãñ ÌãÓãà 63,14,70,376) ¹ãƦ¾ãñ‡ãŠ Íãñ¾ãÀ Á. 10/- ‡ãŠã
[ ƒÔã½ãò 2,71,28,722 (31.3.08 ‡ãŠãñ 4,24,81,772) Íãñ¾ãÀ Ôããä½½ããäÊã¦ã Öö •ããñ 1,35,64,361
(31.03.08 ‡ãŠãñ 2,12,40,886) ÌãõãäÍÌã‡ãŠ •ã½ãã ÀÔããèªãò ‡ãñŠ ¹㠽ãò Öö ].
Subscribed and Paid up Capital
63,48,80,222 (previous year 63,14,70,376) shares of Rs.10/-each 634,88,02 631,47,04
[includes 2,71,28,722 (4,24,81,772 as on 31.3.08) shares represented
by 1,35,64,361 (2,12,40,886 as on 31.03.08) Global Depository Receipts]

YpuB
TOTAL 634,88,02 631,47,04

109

C109 K109
 2 — dpZ<b<OYpy dpvZ d<R]u^
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
(000s omitted)
SCHEDULE 2 — RESERVES & SURPLUS
31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O
@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)
‘. Rs. ‘. Rs. ‘. Rs. ‘. Rs.
I. @‚pStSr dpZ<b<OYpy
Statutory Reserves
dP]u^
Opening Balance ... ... ... 25218,10,91 20379,03,68
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 5508,57,95 4839,07,23
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... — —
30726,68,86 25218,10,91
II. TtzGr dpZ<b<OYpy
Capital Reserves
dP]u^
Opening Balance ... ... ... 422,58,37 418,14,39
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 844,72,32 4,43,98
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... — —
1267,30,69 422,58,37
III. ]uYZ T}r<XYX
Share Premium
dP]uu^
Opening Balance ... ... ... 20098,96,75 3510,57,33
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 560,16,95 16617,09,67
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 1,21,18 28,70,25
20657,92,52 20098,96,75
IV. <S\u] dpZ<b<OYpy
Investment Reserve
dP]uu^
Opening Balance ... ... ... 62,17,87 —
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... — 62,17,87
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 62,17,87 —
V. ZpG∫\ dpvZ dÆY dpZ<b<OYpy* — 62,17,87
Revenue and Other Reserves*
dP]u^
Opening Balance ... ... ... 2419,83,14 6195,56,07
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 674,47,13 300,00,00
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 8,58,94 4075,72,93
3085,71,33 2419,83,14
VI. <\Qu]r XsÈp ’‚zTpOZN dpZ<b<O
Foreign currency Translation Reserve
Opening Balance ... ... ... 179,18,14 268,60,35
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 1395,66,15 —
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... — 89,42,21
1574,84,29 179,18,14
VII. [pW dpvZ `p<S ApOu @‚p d<O]u^
Balance of Profit and Loss Account ... ... ... 33,93 33,93
* e_Xuõ (WpZOrY ∫J>uJ> Vvõ@‚ d<R<SYX, 1955 @‚√ RpZp 36 @u‚ dzOB{O ZAu Bh)
h@‚√@‚ZN dpvZ <\@‚p_ <S<R @u‚ ‘. 5,00,00,000
(<TF>[u \^{ 5,00,00,000) ]p<X[ `võ.
* Includes Rs. 5,00,00,000 (previous year Rs. 5,00,00,000) of
Integration and Development Fund
(maintained under Section 36 of the
State Bank of India Act, 1955)
YpuB
TOTAL 57312,81,62 48401,19,11

110

C110 K110
 3 — GXpZp<]Ypy
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 3 — DEPOSITS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
@‚. I. XpyB GXpZp<]Ypy
A. Demand Deposits
(i) Vv@‚puõ _u
From banks ... ... ... ... 10761,84,16 12313,40,67
(ii) dÆY _u
From others ... ... ... ... 99991,73,42 85820,12,34
II. VEO Vvõ@‚ GXpZp<]Ypy
Savings Bank Deposits ... ... ... ... 198224,26,85 154229,28,65
III. _p\<R GXpZp<]Ypy
Term Deposits
(i) Vvõ@‚puõ _u
From banks ... ... ... ... 13657,16,00 7065,47,74
(ii) dÆY _u
From others ... ... ... ... 419438,12,37 277975,64,69

YpuB TOTAL 742073,12,80 537403,94,09

A. (i) WpZO Xuõ ]pApdpuõ @‚√ GXpZp<]Ypy

B. Deposits of branches in India ... ... ... ... 710031,51,22 514676,06,76
(ii) WpZO @u‚ Vp`Z ˘∫PO ]pApdpuõ @‚√ GXpZp<]Ypy
Deposits of branches outside India ... ... ... ... 32041,61,58 22727,87,33

YpuB TOTAL 742073,12,80 537403,94,09

4 — fRpZ
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 4 — BORROWINGS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. WpZO Xuõ fRpZ
Borrowings in India
(i) WpZOrY qZ˚\{ Vvõ@‚
Reserve Bank of India ... ... ... ... — 1300,00,00
(ii) dÆY Vvõ@‚
Other banks ... ... ... ... 919,94,60 7853,58,39
(iii) dÆY ÔãâÔ©ãã†ú dpvZ d<W@‚ZN
Other institutions and agencies ... ... 2758,35,89 3648,95,57
II. WpZO @u‚ Vp`Z _u fRpZ
Borrowings outside India ... ... ... ... 50035,37,72 38924,87,17

YpuB TOTAL 53713,68,21 51727,41,13

g‚TZI dpvZ II Xuõ _˘≥X<[O T}<OWtO fRpZ

Secured borrowings included in I & II above ... ... ... ... ‘. Rs. 2871,60,35 ‘. Rs. 4367,87,76

111

C111 K111
 5 — dÆY QuYOphy dpvZ T}p\RpS
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 5 — OTHER LIABILITIES & PROVISIONS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. _zQuY <V[
Bills payable ... ... ... ... 18929,87,60 19159,90,43
II. dzOZ-@‚pYp{[Y _XpYpuGS (<S\[)
Inter-office adjustments (net) ... ... ... ... 5706,71,55 —
III. T}puQoWtO - ±YpG
Interest accrued ... ... ... ... 6918,15,56 5092,21,85
IV. dp∫P<BO @‚Z QuYOphy (<S\[)
Deferred Tax Liabilities (net) ... ... ... ... — —
V. dÆY (e_Xuõ T}p\RpS _˘≥X<[O `võ)
Others (including provisions) ... ... ... ... 79142,82,71 59110,17,56
[È. 27174.40 H$amoãS> Ho$ Jm°U F$U
(31.03.2008 H$mo È. 18781.84 H$amoãS>)
Am°a È. 3170.00 H$amoãS> Ho$ ~o_r`mXr ~m S>
(31.03.2008 H$mo È. 2507 H$amoãS>)]
[Includes sub-ordinated debts of
Rs.27174.40 Crs. (Rs.18781.84 Crs.
as on 31.03.2008) and perpetual bonds
of Rs.3170.00 Crs. (Rs.2507 Crs.
as on 31.03.2008)]

YpuB TOTAL 110697,57,42 83362,29,84

6 — S@‚Qr dpvZ WpZOrY qZ˚\{ Vvõ@‚ Xuõ GXpZp<]Ypy

dSs_tEr
(000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 6 — CASH AND BALANCES WITH RESERVE BANK OF INDIA (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. `pP S@‚Qr (e_Xuõ <\Qu]r @‚Zuõ_r SpuJ> OPp ∫\N{ _˘≥X<[O `võ)
Cash in hand (including foreign currency notes and gold) 4295,51,58 3220,31,11
II. WpZOrY qZ˚\{ Vvõ@‚ Xuõ GXpZp<]Ypy
Balance with Reserve Bank of India
(i) Ep[t ApOu Xuõ
In Current Account ... ... ... ... 51248,14,36 20900,60,36
(ii) dÆY ApOpuõ Xuõ
In Other Accounts ... ... ... ... 2,51,33 27413,70,11

YpuB TOTAL 55546,17,27 51534,61,58

112

C112 K112
dSs_tEr7 — Vvõ@‚puõ Xuõ GXpZp<]Ypy dpvZ XpyB OPp d∂T _tESp TZ T}pØY RSZp<] (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 7 — BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. WpZO Xuõ
In India

(i) Vvõ@‚puõ Xuõ GXpZp<]Ypy

Balances with banks

(@‚) Ep[t ApOpuõ Xuõ

(a) In Current Accounts ... ... ... ... 926,20,81 1105,19,38

(A) dÆY GXp ApOpuõ Xuõ

(b) In Other Deposit Accounts ... ... ... ... 10688,99,53 2608,31,90

(ii) XpyB dpvZ d∂T _tESp TZ T}pØY RSZp<]

Money at call and short notice

(@‚) Vvõ@‚puõ Xuõ

(a) With banks ... ... ... ... 13207,17,33 6759,00,00

(A) dÆY _z∫Ppdpuõ Xuõ

(b) With other institutions ... ... ... ... — —

YpuB TOTAL 24822,37,67 10472,51,28

II. WpZO @u‚ Vp`Z

Outside India

(i) Ep[t ApOpuõ Xuõ

In Current Accounts ... ... ... ... 13656,54,41 1252,31,93

(ii) dÆY GXp ApOpuõ Xuõ

In Other Deposit Accounts ... ... ... ... 1326,93,90 749,15,34

(iii) XpzB dpvZ d∂T _tESp TZ T}pØY RSZp<]

Money at call and short notice ... ... ... ... 9051,76,61 3457,73,37

YpuB TOTAL 24035,24,92 5459,20,64

@s‚[ YpuB GRAND TOTAL 48857,62,59 15931,71,92

113

C113 K113
 8 — <\<SRpS
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 8 — INVESTMENTS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. WpZO Xuõ <\<SRpS
Investments in India in:
(i) _Z@‚pZr T}<OWt<OYpy
Government Securities ... ... ... ... 226217,47,04 140734,03,68
(ii) dÆY dSsXpu<QO T}<OWt<OYpy
Other approved securities ... ... ... ... 1892,68,08 2738,25,17
(iii) ]uYZ
Shares ... ... ... ... 4590,41,76 4502,53,72
(iv) qL>VuõEZ dpvZ VpzL>
Debentures and Bonds ... ... ... ... 14888,97,79 17628,77,57
(v) dSs^z<BYpy dpvZ/dP\p _`-f X
Subsidiaries and/or joint ventures ... ... ... 3617,01,17 3766,46,03
(vi) dÆY (Yt<SJ>uõ / \p<N˘ßY@‚ Tm dp<Q)
Others (Units / Commercial Papers etc.) ... ... ... 18264,51,76 14960,04,07

YpuB TOTAL 269471,07,60 184330,10,24

II. WpZO @u‚ Vp`Z <\<SRpS
Investments outside India in
(i) _Z@‚pZr T}<OWt<OYpuõ Xuõ (e_Xuõ ∫PpSrY T}p<R@‚ZN _˘≥X<[O `võ)
Government securities (including local authorities) 742,59,28 394,23,41
(ii) <\Qu]puõ Xuõ _XSs^zBr dpvZ/dP\p _`-f X
Subsidiaries and/or joint ventures abroad ... ... ... 1255,45,95 613,80,25
(iii) dÆY <\<SRpS (]uYZ, qL>VuõEZ dp<Q)
Other investments (Shares, Debentures etc.) ... ... ... 4484,82,86 4163,13,19

YpuB TOTAL 6482,88,09 5171,16,85

@s‚[ YpuB GRAND TOTAL 275953,95,69 189501,27,09

(I & II)
III. WpZO Xu <\<SRpS
Investments in India
(i) <\<SRpSpuõ @‚p _@‚[ XpS
Gross Value of Investments ... ... ... ... 270886,39,44 185278,42,52
(ii) CJ>phy # @s‚[ T}p\RpS/Xt∂Y◊p_
Less : Aggregate of Provisions/Depreciation ... ... ... 1415,31,84 948,32,28
(iii) I _u)
<S\[ <\<SRpS (g‚TZ
Net Investments (vide I above) ... ... YpuB TOTAL 269471,07,60 184330,10,24

IV. WpZO @u‚ Vp`Z <\<SRpS

Investments outside India
(i) <\<SRpSpuõ @‚p _@‚[ XpS
Gross Value of Investments ... ... ... ... 6795,19,57 5204,26,52
(ii) CJ>phy # @s‚[ T}p\RpS/Xt∂Y◊p_
Less : Aggregate of Provisions/Depreciation ... ... ... 312,31,48 33,09,67
(iii) II _u)
<S\[ <\<SRpS (g‚TZ
Net Investments (vide II above) ... ... YpuB TOTAL 6482,88,09 5171,16,85

@s‚[ YpuB GRAND TOTAL (III & IV) 275953,95,69 189501,27,09

114

C114 K114
 9 — d<B}X
dSs_tEr (000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 9 — ADVANCES (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
@‚. (i) @}‚Y q@‚h Bh dpvZ <XOr@‚pJ>u TZ WsBOpS q@‚h Bh <\<SXY Tm
A. Bills purchased and discounted ... ... ... ... 47183,96,60 36733,49,02
(ii) @v‚] @}u‚qL>J>, dpu\ZL~>p∞J> dpvZ XpyB TZ T}<O_zQuY fRpZ
Cash credits, overdrafts and loans repayable on demand ... 223679,92,68 151999,99,96
(iii) _p\<R fRpZ
Term loans ... ... ... ... 271639,31,14 228034,70,64

YpuB TOTAL 542503,20,42 416768,19,62

A. (i) XtO{ dp˘∫OYpuõ ÃpZp T}<OWtO (V`r j‚Npuõ TZ d<B}X _˘≥X<[O `vz)
B. Secured by tangible assets (includes advances
against Book Debt) ... ... ... ... 350026,92,43 284231,06,15
(ii) Vvõ@‚/_Z@‚pZr T}´YpWt<OYpuõ ÃpZp _zZ<bO
Covered by Bank/Government Guarantees ... ... ... 78601,23,99 20244,75,74
(iii) dT}<OWtO
Unsecured ... ... ... ... 113875,04,00 112292,37,73

YpuB TOTAL 542503,20,42 416768,19,62

B. (I) WpZO Xuõ d<B}X

C. Advances in India
(i) T}pP<X@‚OpT}pØO bum
Priority Sector ... ... ... ... 143637,56,31 119230,51,18
(ii) _p\{G<S@‚ bum
Public Sector ... ... ... ... 36241,55,02 23025,00,32
(iii) Vvõ@‚
Banks ... ... ... ... 334,21,74 77,66,24
(iv) dÆY
Others ... ... ... ... 276502,90,85 218295,16,99

YpuB TOTAL 456716,23,92 360628,34,73

(II) WpZO @u‚ Vp`Z d<B}X

Advances outside India
(i) Vvõ@‚puõ _u ]puöY
Due from banks ... ... ... ... 4411,79,75 2135,16,19
(ii) dÆYpuõ _u ]puöY
Due from others
(@‚) @}‚Y q@‚h Bh dpvZ <XOr@‚pJ>u TZ WsBOpS q@‚h Bh <\<SXY Tm
(a) Bills purchased and discounted ... ... ... 29308,58,76 15543,40,45
(A) d<W^Q fRpZ
(b) Syndicated loans ... ... ... ... 27094,47,16 19856,62,20
(B) dÆY
(c) Others ... ... ... ... 24972,10,83 18604,66,05

YpuB TOTAL 85786,96,50 56139,84,89

(C-I & C-II)
@s‚[ YpuB GRAND TOTAL 542503,20,42 416768,19,62

115

C115 K115
 10 — dE[ dp˘∫OYpy
dSs_tEr (000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 10 — FIXED ASSETS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. @‚. TqZ_Z
A. Premises
31 XpE{ @‚√ ˘∫P<O @u‚ dSs_pZ [pBO TZ
Tt\{\Or{ \^{ @‚√
At cost as on 31st March of the preceding year ... ... 1488,44,58 1448,62,77
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... ... 104,07,47 40,20,10
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... ... 1,48,03 38,29

d OS Xt∂Y◊p_
Depreciation to date ... ... ... ... 637,90,51 557,30,25
953,13,51 931,14,33
A. {Z_m©UmYrZ n[aga
(BZ_| A›` AMb AmpÒV`mß gpÂ_{bV h¢)
B. Premises including other Fixed
Assets under Construction ... ... ... ... 263,43,74 234,25,82

II. dÆY dE[ dp˘∫OYpy (e_Xuõ U‚Sr{EZ dpvZ <U‚°_EZ _˘≥X<[O `võ)
Other Fixed Assets (including furniture and fixtures)
Tt\{\Or{ \^{ @u‚‚‚31 XpE{ @‚√ ˘∫P<O @u‚ dSs_pZ [pBO TZ
At cost as on 31st March of the preceding year ... ... 6561,73,29 5493,19,27
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... ... 1345,72,26 1145,34,90
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... ... 20,92,03 76,80,88
d OS Xt∂Y◊p_
Depreciation to date ... ... ... ... 5271,32,20 4397,99,28
2615,21,32 2163,74,01

III. TJ>oJ>p@w‚O dp˘∫OYpy

Leased Assets ... ... ... ...
31 XpE{ @‚√ ˘∫P<O @u‚ dSs_pZ [pBO TZ
Tt\{\Or{ \^{ @‚√
At cost as on 31st March of the preceding year ... ... 938,16,91 1120,10,41
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year including adjustments ... ... — —
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... 12,68,65 181,93,50
d OS Xt∂Y◊p_ T}p\RpSpuõ _<`O
Depreciation to date
including provision ... ... ... ... 921,77,85 888,54,10

3,70,41 49,62,81

CJ>phy # TJoJ>p _XpYpuGS dpvZ T}p\RpS

Less : Lease Adjustment and Provisions ... (2,35,74) 5,28,88
6,06,15 44,33,93

YpuB TOTAL (I, II & III) 3837,84,72 3373,48,09

116

C116 K116
 11 — dÆY dp˘∫OYpy
dSs_tEr (000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 11 — OTHER ASSETS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
(i) dzOZ-@‚pYp{[Y _XpYpuGS (<S\[)
Inter-office adjustments (net) ... ... ... ... — 11340,53,28
(ii) T}puQoWtO ±YpG
Interest accrued ... ... ... ... 6729,50,51 6298,14,48
(iii) d<B}X ’‚T _u _zQl @‚Z/_}puO TZ @‚pJ>p BYp @‚Z
Tax paid in advance/tax deducted at source ... ... ... ... 3642,81,18 2477,86,74
(iv) dp∫P<BO @‚Z dp˘∫OYpy (<S\[)
Deferred Tax Assets (Net) ... ... ... 1026,88,68 42,04,56
(v) [uAS _pXB}r dpvZ ∫J>pzT
Stationery and stamps ... ... ... ... 95,65,85 95,60,12
(vi) Qp\puõ @‚√ _zOs<πJ> Xuõ T}pØO @‚√ Be{ BvZ-Vvõ@‚@‚pZr dp˘∫OYpy
Non-banking assets acquired in satisfaction of claims ... ... 35,18 34,91
(vii) dÆY
Others ... ... ... ... 26238,05,98 24162,48,82

YpuB TOTAL 37733,27,38 44417,02,91

dSs_tEr 12 — _Xp<kO QuYOphy (000 @‚pu F>puÊ <QYp BYp `v)

SCHEDULE 12 — CONTINGENT LIABILITIES (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (<TF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. Vvõ@‚ @u‚ <\‘– Qp\u <GÆ`uõ j‚N @u‚ ’‚T Xuõ ∫\r@‚pZ S`rõ q@‚Yp BYp `v
Claims against the bank not acknowledged as debts ... ... ... 2191,81,62 799,73,02
II. dz]O: _zQl <\<SRpSpuõ @u‚ <[h QuYOp
Liability for partly paid investments ... ... ... ... 2,80,00 2,80,00
III. V@‚pYp \pYQp <\<SXY _z<\Qpdpuõ @‚√ VpVO QuYOp
Liability on account of outstanding forward exchange contracts ... ... 289429,24,01 310457,51,74
IV. _zCJ>@‚puõ @‚√ dpuZ _u Qr Be{ T}´YpWt<OYpy
Guarantees given on behalf of constituents
(@‚) WpZO Xuõ
(a) In India ... ... ... ... 46544,40,41 35159,13,45
(A) WpZO @u‚ Vp`Z
(b) Outside India ... ... ... ... 26417,29,03 14503,88,10
V. T}<OB}`N, TwπK>pz@‚S dpvZ dÆY VpöYOphy
Acceptances, endorsements and other obligations ... ... ... 109093,49,09 74706,09,41
VI. dÆY XQuõ <GS@u‚ <[h Vvõ@‚ _Xp<kO ’‚T _u flZQpYr `v
Other items for which the bank is contingently liable ... ... ... 250020,71,54 375167,32,35

YpuB TOTAL 723699,75,70 810796,48,07

117

C117 K117
WpZOrY ∫J>uJ> Vvõ@‚ @‚p 31 XpE{ 2009 @‚pu _XpØO \^{ @u‚ <[h [pW dpvZ `p<S ApOp (000 @‚pu F>puÊ> <QYp BYp `v)
PROFIT AND LOSS ACCOUNT OF STATE BANK OF INDIA FOR THE YEAR ENDED 31ST MARCH 2009 (000s omitted)

dSs_tEr 31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{

_z. (Ep[t \^{) (<TF>[p \^{)
Schedule Year ended 31.3.2009 Year ended 31.3.2008
No. (Current year) (Previous year)
‘. Rs. ‘. Rs.
I. dpY
INCOME
d<G{O ±YpG
Interest earned ... ... ... 13 63788,43,38 48950,30,71
dÆY dpY
Other Income ... ... ... 14 12690,78,90 8694,92,84

YpuB TOTAL 76479,22,28 57645,23,55

II. ∑YY
EXPENDITURE
∑YY q@‚Yp BYp ±YpG
Interest expended ... ... ... 15 42915,29,37 31929,07,69
TqZEp[S ∑YY
Operating expenses ... ... ... 16 15648,70,44 12608,60,60
T}p\RpS dpvZ dp@‚˘∫X@‚ ∑YY
Provisions and contingencies ... ... ... 8793,99,82 6378,42,79

YpuB TOTAL 67357,99,63 50916,11,08

III. [pW
PROFIT
\^{ @u‚ <[h <S\[ [pW
Net Profit for the year ... ... ... 9121,22,65 6729,12,47
dB}pSrO [pW
Profit brought forward ... ... ... 33,93 33,93
_pXpÆY dpZ<b<OYpuõ _u dzOZN
Transfer from General Reserve ... ... ... — 9,37
YpuB TOTAL 9121,56,58 6729,55,77
<\<SYpuGS†
APPROPRIATIONS
@‚pStSr dpZ<b<OYpuõ @‚pu dzOZN
Transfer to statutory reserves ... ... ... 5291,79,28 4839,07,23
{d{ZYmZ Ama{j{VYpuõ _| AßVaU
Transfer to Investment reserves ... ... ... — 62,17,87
TtzGr dpZ<b<O Xuõ dzOZN
Transfer to Capital Reserve ... ... ... 826,55,32 4,43,98
ZpG∫\ Edß A›` dpZ<b<OYpuõ Xuõ dzOZN
Transfer to Revenue reserve and
other reserve ... ... ... 306,89,30 300,00,00
[pWpz]
Dividend ... ... ... 1841,15,26 1357,66,13
[pWpz] TZ @‚Z
Tax on dividend ... ... ... 248,03,47 165,86,63
ÒQ>oQ> ~¢H$ Am∞\$ gm°amÓQ¥> go hm{Z
Loss from State Bank Of Saurashtra .. ... 606,80,02 —
]u^ Zp<] Gpu dpBu Os[S-Tm Xuõ [u Gpe{ Be{ `v
Balance carried over to Balance Sheet ... ... 33,93 33,93

YpuB TOTAL 9121,56,58 6729,55,77

T}<O ]uYZ Xt[ @‚ZSu Ypu£Y dpY

Basic Earnings per Share ‘. Rs. 143.77 ‘. Rs. 126.62
‡{V eo`a ›`yZrH•$V Am`
Diluted Earnings per Share ‘. Rs. 143.77 ‘. Rs. 126.50
T}XsA [uAp Sr<OYpy / Principal Accounting Policies 17
[uAp-qJ>ØT<NYpy / Notes to Accounts ... ... 18

118

C118 K118
 13 — d<G{O ±YpG
dSs_tEr (000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 13 — INTEREST EARNED (000s omitted)

31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{{

(Ep[t \^{) (<TF>[p \^{)
Year ended 31.3.2009 Year ended 31.3.2008
(Current year) (Previous year)
‘. Rs. ‘. Rs.
I. d<B}Xpuõ/<\<SXY Tmpuõ TZ ±YpG/<XOr@‚pJ>p
Interest/discount on advances/bills ... ... ... 46404,71,49 35228,11,19
II. <\<SRpSpuõ TZ dpY
Income on investments ... ... ... 15574,11,51 11944,16,36
III. WpZOrY qZ˚\{ Vvõ@‚ Xuõ GXpZp<]Ypuõ dpvZ dÆY dzOZ-Vvõ@‚ <S<RYpuõ TZ ±YpG
Interest on balances with Reserve Bank of India
and other inter-bank funds ... ... ... 1474,37,74 1200,07,40
IV. dÆY
Others ... ... ... 335,22,64 577,95,76

YpuB TOTAL 63788,43,38 48950,30,71

14 — dÆY dpY
dSs_tEr (000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 14 — OTHER INCOME (000s omitted)

31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{{

(Ep[t \^{) (<TF>[p \^{)
Year ended 31.3.2009 Year ended 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.
I. @‚Xr]S, <\<SXY dpvZ Q[p[r
Commission, exchange and brokerage ... ... ... 7617,23,54 5914,25,45
II. <\<SRpSpuõ @u‚ <\@}‚Y TZ [pW (`p<S) (<S\[)
Profit on sale of investments (Net) ... ... ... 2567,29,02 1649,83,91
III. <\<SRpSpuõ @u‚ TsSX{t∂Ypz@‚S TZ [pW (`p<S)
Profit on revaluation of investments (Net) ... ... ... (56,50) (703,50,07)
IV. nQ≤>Q>mH•$V AmpÒV`m| g{hV Wt<X, W\Spuõ dpvZ dÆY
dp˘∫OYpuõ @u‚ <\@}‚Y TZ [pW (<S\[)
Profit on sale of land, buildings and other assets
including leased assets (Net) ... ... (2,95,42) 11,04,09
V. <\<SXY [uSQuS TZ [pW
Profit on exchange transactions (Net) ... ... ... 1179,24,92 692,69,81
VI. <\Qu]/WpZO Xuõ ∫Pp<TO _XSs^z<BYpuõ/@z‚T<SYpuõ dpvZ/Yp _zYs°O f Xpuõ _u
[pWpz]puõ dp<Q @u‚ ’‚T Xuõ d<G{O dpY
Income earned by way of dividends, etc., from subsidiaries/
companies and/or joint ventures abroad/in India ... ... ... 409,60,28 197,40,55
VII. {dŒmr` - TJoJ>p dpY
Income from financial lease ... ... ... 26,67,00 31,86,36
VIII. T}@‚√N{ dpY
Miscellaneous Income ... ... ... 894,26,06 901,32,74

YpuB TOTAL 12690,78,90 8694,92,84

119

C119 K119
 15 — ∑YY q@‚Yp BYp ±YpG
dSs_tEr (000 @‚pu F>puÊ <QYp BYp `v)
SCHEDULE 15 — INTEREST EXPENDED (000s omitted)

31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{{

(Ep[t \^{) (<TF>[p \^{)
Year ended 31.3.2009 Year ended 31.3.2008
(Current year) (Previous year)
‘. Rs ‘. Rs.
I. GXpZp<]Ypuõ TZ ±YpG
Interest on deposits ... ... ... 37936,84,73 27072,58,10
II. WpZOrY qZ˚\{ Vvõ@‚/dzOZ-Vvõ@‚ fRpZpuõ TZ ±YpG
Interest on Reserve Bank of India/Inter-bank borrowings ... ... 2555,01,04 2938,43,98
III. dÆY
Others ... ... ... 2423,43,60 1918,05,61

YpuB TOTAL 42915,29,37 31929,07,69

16 — TqZEp[S ∑YY
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 16 — OPERATING EXPENSES (000s omitted)

31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{{

(Ep[t \^{) (<TF>[p \^{)
Year ended 31.3.2009 Year ended 31.3.2008
(Current year) (Previous year)
‘. Rs. ‘. Rs.
I. @‚X{EpqZYpuõ @‚pu WsBOpS dpvZ fS@u‚ <[h T}p\RpS
Payments to and provisions for employees ... ... ... 9747,31,23 7785,86,94
II. WpJ>@‚, @‚Z dpvZ Zpu]Sr
Rent, taxes and lighting ... ... ... ... 1295,13,73 993,41,81
III. XsÈN dpvZ [uAS-_pXB}r
Printing and stationery ... ... ... ... 232,82,08 188,87,76
IV. <\cpTS dpvZ T}EpZ
Advertisement and publicity ... ... ... ... 251,22,95 173,23,16
V. (@‚) Vvõ@‚ @‚√ _zT<l TZ Xt∂Y◊p_ (TJ>oJ>p@w‚O dp˘∫OYpuõ @u‚ d<OqZ°O)
(a) Depreciation on bank’s property (Other than Leased Assets) ... 739,12,43 651,04,24
(A) TJ>oJ>p@w‚O dp˘∫OYpuõ TZ Xt∂Y◊p_
(b) Depreciation on Leased Assets ... ... ... 24,01,69 28,93,67
VI. <SQu]@‚puõ @‚√ U‚√_, Wlu dpvZ ∑YY
Directors’ fees, allowances and expenses ... ... ... 99,81 1,23,20
VII. [uAp-TZrb@‚puõ @‚√ U‚√_ dpvZ ∑YY (]pAp [uAp-TZrb@‚puõ _<`O)
Auditors’ fees and expenses (including branch auditors) 103,69,68 97,34,58
VIII. <\<R T}WpZ
Law charges ... ... ... ... 74,61,19 60,45,14
IX. L>p@‚ X`_t[, OpZ dpvZ J>u[rU‚puS dp<Q
Postages, Telegrams, Telephones etc. ... ... ... ... 279,73,25 216,57,72
X. XZ≥XO dpvZ dSsZbN
Repairs and maintenance ... ... ... ... 160,58,83 235,82,73
XI. VrXp
Insurance ... ... ... ... 529,01,89 415,84,36
XII. dÆY ∑YY
Other expenditure ... ... ... ... 2210,41,68 1759,95,29

YpuB TOTAL 15648,70,44 12608,60,60

120

C120 K120
‚ã¶ãìÔãîÞããè 17 SCHEDULE 17
PRINCIPAL ACCOUNTING POLICIES:
¹ãƽãìŒã ÊãñŒãã ¶ããèãä¦ã¾ããú
A. Basis of Preparation
‡ãŠ. ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ ‡ãŠã ‚ãã£ããÀ The accompanying financial statements have been prepared
under the historical cost convention as modified for
ÔãâÊãضã ãäÌã§ããè¾ã ãäÌãÌãÀ¥ã ‚ãÌããä£ãØã¦ã ÊããØã¦ã ‚ãã£ããÀ ¹ãÀ, ¡ñÀãèÌãñãä›ÌÔã ‚ããõÀ ãäÌãªñÍããè ½ãì³ã derivatives and foreign currency transactions, as enumerated
Êãñ¶ã-ªñ¶ããò ‡ãñŠ ãäÊㆠ¾ã©ãã ‚ããÍããñãä£ã¦ã, •ãõÔãã ãä‡ãŠ ¶ããèÞãñ ¼ããØã `Øã' ½ãò Ìããä¥ãæã Öõ, ¦ãõ¾ããÀ in Part C below. They conform to Generally Accepted
ãä‡ãŠ† ØㆠÖö. Ìãñ ¼ããÀ¦ã ½ãò Ôãã½ã㶾ã¦ã: ÔÌããè‡ãðŠ¦ã ÊãñŒãã-ãäÔã®ãâ¦ããò (•ãã膆¹ããè) ‡ãñŠ ‚ã¶ãì¹ã Accounting Principles (GAAP) in India, which comprise
the statutory provisions, guidelines of regulatory authorities,
Öö †Ìãâ ãä•ã¶ã½ãò ÔããâãäÌããä£ã‡ãŠ ¹ãÆãÌã£ãã¶ã, ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãÆããä£ã‡ãŠÀ¥ããò/¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ
Reserve Bank of India (RBI), accounting standards/guidance
(‚ããÀºããè‚ããƒÃ) ‡ãñŠ ãäªÍãã-ãä¶ãªóÍã, ¼ããÀ¦ããè¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ ÔãâÔ©ãã¶ã (‚ããƒÃÔãã膂ããƒÃ) notes issued by the Institute of Chartered Accountants of
´ãÀã •ããÀãè ÊãñŒãã-½ãã¶ã‡ãŠ/½ããØãêÍããê ã䛹¹ããä¥ã¾ããú ‚ããõÀ ¼ããÀ¦ã ½ãò ºãöãä‡ãâŠØã „²ããñØã ½ãò ¹ãÆÞããäÊã¦ã India (ICAI), and the practices prevalent in the banking
industry in India.
¹ãÆ©ãã†ú Íãããä½ãÊã Öãñ¦ããè Öö.
B. Use of Estimates
Œã. ¹ãÆã‡ã‹‡ãŠÊã¶ããò ‡ãŠã ¹ãƾããñØã
The preparation of financial statements requires the
ãäÌã§ããè¾ã ãäÌãÌãÀ¥ããò ‡ãŠãñ ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ ½ãò ¹ãƺãâ£ã¶ã ‡ãŠãñ, ãäÌã§ããè¾ã ãäÌãÌãÀ¥ããò ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ - management to make estimates and assumptions considered
‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò, (ƒÔã½ãò ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†úâ Ôããä½½ããäÊã¦ã Öö) ‡ãŠãè ÔãîãäÞã¦ã ÀããäÍã in the reported amounts of assets and liabilities (including
contingent liabilities) as of the date of the financial
¦ã©ãã ÔãîÞã¶ãã ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ÔãîãäÞã¦ã ‚ãã¾ã †Ìãâ ̾ã¾ã ½ãò ¹ãÆãä¦ã¹ãŠãäÊã¦ã ¹ãÆã‡ã‹‡ãŠÊã¶ã ‚ããõÀ statements and the reported income and expenses during
¹ãîÌããöãì½ãã¶ã ‡ãŠÀ¶ãñ ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã Öãñ¦ããè Öõ. ¹ãƺãâ£ã¶ã ‡ãŠã ¾ãÖ ½ãã¶ã¶ãã Öõ ãä‡ãŠ ãäÌã§ããè¾ã the reporting period. Management believes that the
ãäÌãÌãÀ¥ããò ‡ãŠãñ ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ ½ãò ¹ãƾãì‡ã‹¦ã ¹ãÆã‡ã‹‡ãŠÊã¶ã ¾ã©ããñãäÞã¦ã †Ìãâ ¹ã¾ããù¦ã Öö. ¼ããÌããè ¹ããäÀ¥ãã½ã estimates used in the preparation of the financial statements
are prudent and reasonable. Future results could differ
ƒ¶ã ¹ãÆã‡ã‹‡ãŠÊã¶ããò Ôãñ ‚ãÊãØã Öãñ Ôã‡ãŠ¦ãñ Öö. ÊãñŒãã ¹ãÆã‡ã‹‡ãŠÊã¶ããò ½ãò ãä‡ãŠÔããè ÔãâÍããñ£ã¶ã ‡ãŠã from these estimates. Any revision to the accounting
Ìã¦ãà ½ ãã¶ã ‚ããõ À ¼ããä Ì ãÓ¾ãØã¦ã ‚ãÌããä £ ã ‡ãñ Š ãä Ê ã† ¼ããä Ì ãÓ¾ãÊãàããè ¹ãÆ ¼ ããÌã Ôãñ estimates is recognised prospectively in the current and
‚ããä¼ã—ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. future periods.

Øã. ¹ãƽãìŒã ÊãñŒãã ¶ããèãä¦ã¾ããú C. PRINCIPAL ACCOUNTING POLICIES

1. Revenue recognition
1. ‚ãã¾ã ãä¶ã£ããÃÀ¥ã
1.1 Income and expenditure are accounted on accrual
1.1 ãä¶ã½¶ããâãä‡ãŠ¦ã ‡ãŠãñ œãñü¡‡ãŠÀ ‚ãã¾ã ‚ããõÀ ̾ã¾ã ‡ãŠãñ ¹ãÆãñªá¼ãÌã¶ã ‚ãã£ããÀ ¹ãÀ ÊãñŒãñ ½ãò basis, except otherwise stated below. In respect of
ãäÊã¾ãã Øã¾ãã Öõ. ºãö‡ãŠ ‡ãñŠ ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ‚ãã¾ã ‡ãŠã banks’ foreign offices, income is recognised as per the
local laws of the country in which the respective
‚ããä¼ã—ãã¶ã „Ôã ªñÍã ‡ãñŠ Ô©ãã¶ããè¾ã ‡ãŠã¶ãî¶ã ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ ãä•ãÔã ªñÍã
foreign office is located.
½ãò ÌãÖ ‡ãŠã¾ããÃÊã¾ã ãäÔ©ã¦ã Öõ. 1.2 Interest income is recognised in the Profit and Loss
1.2 º¾ãã•ã ‚ãã¾ã ‡ãŠã Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò ¹ãÆãñªá¼ãî¦ã ‚ãã£ããÀ ¹ãÀ ãä¶ã£ããÃÀ¥ã Account as it accrues except (i) income from non-
performing assets (NPAs), comprising of advances,
(i) ‚ããäØãƽããò, ¹ã›á›ãò ‚ããõÀ ãäÌããä¶ã£ãã¶ããò Ôãñ Ôã½ãããäÌãÓ› ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò Ôãñ ‚ãã¾ã,
leases and investments, which is recognised upon
ãä•ãÔã‡ãŠã ãä¶ã£ããÃÀ¥ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ / Ôãâºãâãä£ã¦ã ªñÍã ‡ãñŠ ãäÌããä¶ã¾ãã½ã‡ãŠãò (ƒÔã‡ãñŠ realisation, as per the prudential norms prescribed
¹ãÍÞãã¦ãá Ôãã½ãîãäև㊠¹ã Ôãñ ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãÆããä£ã‡ãŠãÀãè ‡ãŠÖã Øã¾ãã Öõ) ´ãÀã ãä¶ã£ããÃãäÀ¦ã by the RBI/ respective country regulators (hereafter
collectively referred to as Regulatory Authorities),
ãäÌãÌãñ‡ãŠ¹ãî¥ãà ½ãã¶ãªâ¡ãò ‡ãñŠ ‚ã¶ãìÔããÀ ÌãÔãîÊããè ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã •ãã¦ãã Öõ, (ii) interest on application money on investments
(ii) ãäÌããä¶ã£ãã¶ããò ‡ãŠãè ‚ããÌãñª¶ã-ÀããäÍã ¹ãÀ º¾ãã•ã (iii) ãäÌããä¶ã£ãã¶ããò ¦ã©ãã ºã›á›ã‡ãðŠ¦ã (iii) overdue interest on investments and bills
ãäºãÊããò ¹ãÀ ‚ããä¦ãªñ¾ã º¾ãã•ã ‡ãñŠ ‚ãÊããÌãã ãä‡ãŠ¾ãã Øã¾ãã Öõ, (iv) Á¹ã¾ãã ¡ñÀãèÌãñãä›ÌÔã discounted, (iv) Income on Rupee Derivatives
designated as “Trading”
¹ãÀ ‚ãã¾ã ‡ãŠãñ `›ñÈãä¡âØã' ¶ãã½ã ã䪾ãã Øã¾ãã Öõ.
1.3 Profit or Loss on sale of investments is credited /
1.3 ãäÌããä¶ã£ãã¶ããò ‡ãŠãè ãäºã‰ãŠãè ¹ãÀ Öãñ¶ãñ ÌããÊãñ Êãã¼ã / Öããä¶ã ‡ãŠãñ `ãäÌããä¶ã£ãã¶ã ‡ãŠãè ãäºã‰ãŠãè debited to Profit and Loss Account (Sale of Investments).
¹ãÀ Êãã¼ã/Öããä¶ã' Œãã¦ãñ ½ãò •ã½ãã/¶ãã½ãñ ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ „Ôã‡ãñŠ ¹ãÍÞãã¦ãá Profit on sale of investments in the 'Held to Maturity'
category shall be appropriated net of applicable taxes
`¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñ¥ããè ‡ãñŠ ãäÌããä¶ã£ãã¶ããò ‡ãŠãè ãäºã‰ãŠãè ¹ãÀ Öãñ¶ãñ ÌããÊãñ to 'Capital Reserve Account'. Loss on sale will be
Êãã¼ã ‡ãŠã (¹ãƾããñ•¾ã ‡ãŠÀãò ‚ããõÀ ÔããâãäÌããä£ã‡ãŠ ‚ããÀãäàããä¦ã ‚ã¹ãñàãã‚ããò ‡ãŠãñ Üã›ã¶ãñ ‡ãñŠ recognised in the Profit and Loss Account.
ºããª) ¹ãîâ•ããè ‚ããÀãäàããä¦ã ½ãò ãäÌããä¶ã¾ããñØã ãä‡ãŠ¾ãã Øã¾ãã Öõ. 1.4 Income from finance leases is calculated by
applying the interest rate implicit in the lease to
1.4 ãäÌã§ã ¹ã›á›ãò Ôãñ ÖìƒÃ ‚ãã¾ã ‡ãŠã ¹ããäÀ‡ãŠÊã¶ã ¹ãÆã©ããä½ã‡ãŠ ¹ã›á›ã ‚ãÌããä£ã Ôãñ ‚ããä£ã‡ãŠ the net investment outstanding on the lease, over
‚ãÌããä£ã ‡ãñŠ ¹ã›á›ñ ¹ãÀ ºã‡ãŠã¾ãã ãä¶ãÌãÊã ãäÌããä¶ã£ãã¶ã ‡ãñŠ ¹ã›á›ñ ½ãò ‚㶦ããä¶ãÃãä֦㠺¾ãã•ã the primary lease period. Leases effective from
ªÀ ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ‡ãñŠ ãä‡ãŠ¾ãã Øã¾ãã Öõ. 1 ‚ã¹ãÆõÊã, 2001 Ôãñ ¹ãƼããÌããè ¹ã›á›ãò April 1, 2001 are accounted as advances at an
amount equal to the net investment in the lease.
‡ãŠãñ ¹ã›á›ñ ½ãò ãä¶ãÌãÊã ãäÌããä¶ã£ãã¶ã ‡ãñŠ Ôã½ãã¶ã ÀããäÍã ‡ãñŠ ‚ããäØãƽ㠇ãñŠ ¹㠽ãò ÊãñŒãñ The lease rentals are apportioned between principal
½ãò ãäÊã¾ãã Øã¾ãã Öõ. ¹ã›á›ã ãä‡ãŠÀã¾ããò ‡ãŠã ½ãîÊã ÀããäÍã ‚ããõÀ ãäÌã§ã ‚ãã¾ã ½ãò ¹ãƼãã•ã¶ã and finance income based on a pattern reflecting
ãäÌã§ã ¹ã›á›ãò Ôãñ Ô㽺㮠ºã‡ãŠã¾ãã ãä¶ãÌãÊã ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ãä¶ã¾ã¦ã ‚ããÌããä£ã‡ãŠ ¹ãÆãä¦ã¹ãŠÊã a constant periodic return on the net investment
outstanding in respect of finance leases. The
‡ãñŠ ¹ãÀãÌã¦ããê ÔÌã¹㠇ãñŠ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ½ãîÊã ÀããäÍã ‡ãŠã „¹ã¾ããñØã principal amount is utilized for reduction in
¹ã›á›ñ ½ãò ãä¶ãÌãÊã ãäÌããä¶ã£ãã¶ã ÀããäÍã ‡ãŠãñ Üã›ã¶ãñ ‡ãñŠ ãäÊㆠãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ balance of net investment in lease and finance
ãäÌã§ã ‚ãã¾ã ‡ãŠãñ º¾ãã•ã ‚ãã¾ã ‡ãñŠ ¹㠽ãò ãäÀ¹ããñ›Ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. income is reported as interest income.

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 1.5 `¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñ¥ããè ½ãò ãäÌããä¶ã£ãã¶ã ¹ãÀ ‚ãã¾ã (º¾ãã•ã ‡ãŠãñ œãñü¡‡ãŠÀ) 1.5 Income (other than interest) on investments in “Held
‡ãŠãñ ‚ãâãä‡ãŠ¦ã ½ãîʾ㠇ãŠãè ¦ãìÊã¶ãã ½ãò ºã›á›ã‡ãðŠ¦ã ½ãîʾ㠹ãÀ ãä¶ã½¶ãÌã¦ã ‚ããä¼ã—ãã¶ã ½ãò ãäÊã¾ãã to Maturity” (HTM) category acquired at a discount to
the face value, is recognised as follows :
Øã¾ãã Öõ :
a) On Interest bearing securities, it is recognised only
‡ãŠ) º¾ãã•ã-¹ãÆ㹦㠇ãŠÀ¶ãñ ÌããÊããè ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãñŠ Ôã⪼ãà ½ãò ƒÔãñ ãäºã‰ãŠãè / Íããñ£ã¶ã ‡ãñŠ at the time of sale/ redemption.
Ôã½ã¾ã ‚ããä¼ã—ãã¶ã ½ãò ãäÊã¾ãã Øã¾ãã Öõ. b) On zero-coupon securities, it is accounted for over
Œã) Íãã-‡ãã¶ã ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ¹ãÀ, ƒÔãñ ¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠãè ÍãñÓã ‚ãÌããä£ã ‡ãñŠ ãäÊㆠãä¶ã¾ã¦ã the balance tenor of the security on a constant
‚ãã¾ã ‚ãã£ããÀ ¹ãÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ. yield basis.
1.6 •ãÖãú Êãã¼ããâÍã ¹ãÆ㹦㠇ãŠÀ¶ãñ ‡ãŠã ‚ããä£ã‡ãŠãÀ ãäÔã® Öãñ¦ãã Öõ ÌãÖãú Êãã¼ããâÍã ‡ãŠãñ ¹ãÆãñªá¼ãÌã¶ã 1.6 Dividend is accounted on an accrual basis where the
‚ãã£ããÀ ¹ãÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ. right to receive the dividend is established.
1.7 (i) ‚ããÔ©ããäØã¦ã ¼ãìØã¦ãã¶ã ØããÀâã䛾ããò ¹ãÀ ØããÀâ›ãè ‡ãŠ½ããèÍã¶ã ‡ãŠã ‚ãã‡ãŠÊã¶ã ØããÀâ›ãè ‡ãŠãè 1.7 All other commission and fee incomes are recognised
on their realisation except for (i) Guarantee commission
¹ãîÀãè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ (ii) ÔãÀ‡ãŠãÀãè ̾ãÌãÔãã¾ã ¹ãÀ ‡ãŠ½ããèÍã¶ã ‡ãŠã on deferred payment guarantees, which is spread over
ãä¶ã£ããÃÀ¥ã ¹ãÆãñªá¼ãÌã¶ã ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ, ƒ¶ã ªãñ¶ããò ‡ãŠãñ œãñü¡‡ãŠÀ ‚㶾ã Ôã¼ããè the period of the guarantee and (ii) Commission on
‡ãŠ½ããèÍã¶ã ‚ããõÀ Íãìʇ㊠- ‚ãã¾ã ‡ãŠã ãä¶ã£ããÃÀ¥ã ÌãÔãîÊããè ‡ãñŠ ºã㪠ãä‡ãŠ¾ãã Øã¾ãã Öõ. Government Business, which is recognised as it accrues.
2 ãäÌããä¶ã£ãã¶ã 2. Investments
ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ Ìã¦ãýãã¶ã ãäÌããä¶ã¾ãã½ã‡ãŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ. Investments are accounted for in accordance with the
ºãö‡ãŠ ‚ã¹ã¶ãñ ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ ÊãñŒãñ ½ãò Êãñ¶ãñ ‡ãñŠ ãäÊㆠ̾ãÌãÔãã¾ã - ãä¦ããä©ã ¹ã®ãä¦ã ‚ã¹ã¶ãã¦ãã Öõ. extant regulatory guidelines. The bank follows trade date
method for accounting of its investments.
2.1 ÌãØããê‡ãŠÀ¥ã
2.1 Classification
ãäÌããä¶ã£ãã¶ããò ‡ãŠã 3 Ñãñãä¥ã¾ããò ‚ã©ããæãá `¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†', `ãäÌã‰ãŠ¾ã ‡ãñŠ
Investments are classified into 3 categories, viz. Held
ãäÊㆠ„¹ãÊ㺣ã' ‚ããõÀ `̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñãä¥ã¾ããò ( ƒÔã‡ãñŠ ¹ãÍÞãã¦ãá ƒ¶Öò
to Maturity, Available for Sale and Held for Trading
Ñãñãä¥ã¾ããú ‡ãŠÖã Øã¾ãã Öõ ) ½ãò ÌãØããê‡ãŠÀ¥ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ƒ¶ã Ñãñãä¥ã¾ããò ½ãò ¹ãƦ¾ãñ‡ãŠ Ñãñ¥ããè categories (hereafter called categories). Under each of
‡ãñŠ ‚㶦ãØãæã ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ ¹ãì¶ã: ãä¶ã½¶ãã¶ãìÔããÀ œÖ Ôã½ãîÖãò ½ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ : these categories, investments are further classified into
i. ÔãÀ‡ãŠãÀãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú, the following six groups:
ii. ‚㶾㠂ã¶ãì½ããñã䪦㠹ãÆãä¦ã¼ãîãä¦ã¾ããú, i. Government Securities,
iii. Íãñ¾ãÀ, ii. Other Approved Securities,
iv. ã䡺ãòÞãÀ ‚ããõÀ ºããâ¡, iii. Shares,
v. ‚ã¶ãìÓãâØããè/Ôãâ¾ãì‡ã‹¦ã „²ã½ã ¦ã©ãã iv. Debentures and Bonds,
vi. ‚㶾ã v. Subsidiaries/Joint ventures and
2.2 ÌãØããê‡ãŠÀ¥ã ‡ãŠã ‚ãã£ããÀ : vi. Others.
i. „¶ã ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ `¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñ¥ããè ‡ãñŠ ‚㶦ãØãæã ÌãØããê‡ãðŠ¦ã 2.2 Basis of classification:
ãä‡ãŠ¾ãã Øã¾ãã Öõ, ãä•ã¶Öò ºãö‡ãŠ ´ãÀã ¹ããäÀ¹ã‡ã‹Ìã¦ãã ¦ã‡ãŠ ÀŒãã •ãã¦ãã Öõ. i. Investments that the Bank intends to hold till
ii. „¶ã ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ `̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñ¥ããè ‡ãñŠ ‚㶦ãØãæã ÌãØããê‡ãðŠ¦ã maturity are classified as Held to Maturity.
ãä‡ãŠ¾ãã Øã¾ãã Öõ, ãä•ã¶Öò ‰ãŠ¾ã ãä¦ããä©ã Ôãñ 90 ã䪶ããò ‡ãñŠ ¼ããè¦ãÀ ãäÔã®ãâ¦ã¦ã: ¹ãì¶ããäÌãÉ㊾ã ii. Investments that are held principally for resale
Öñ¦ãì ÀŒãã •ãã¦ãã Öõ. within 90 days from the date of purchase are
classified as Held for Trading.
iii. ãä•ã¶ã ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ „¹ã¾ãìÇ㋦㠪ãñ Ñãñãä¥ã¾ããò ½ãò ÌãØããê‡ãðŠ¦ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ,
„¶Öò `ãäÌã‰ãŠ¾ã ‡ãñŠ ãäÊㆠ„¹ãÊ㺣ã' Ñãñ¥ããè ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. iii. Investments, which are not classified in the above
two categories, are classified as Available for Sale.
iv. ãä‡ãŠÔããè ãäÌããä¶ã£ãã¶ã ‡ãŠãñ ƒÔã‡ãñŠ ‰ãŠ¾ã ‡ãñŠ Ôã½ã¾ã `¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†',
iv. An investment is classified as Held to Maturity,
`ãäÌã‰ãŠ¾ã ‡ãñŠ ãäÊㆠ„¹ãÊ㺣ã' ¾ãã `̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñãä¥ã¾ããò ½ãò Available for Sale or Held for Trading at the time
ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ „Ôã‡ãñŠ ¹ãÍÞãã¦ãá Ñãñãä¥ã¾ããò ½ãò ¹ãÀÔ¹ãÀ ¹ããäÀÌã¦ãöã of its purchase and subsequent shifting
ãäÌããä¶ã¾ãã½ã‡ãŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãì¹ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. amongst categories is done in conformity with
v. ‚ã¶ãìÓãâãäØã¾ããò, Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‚ããõÀ ÔãÖ¾ããñãäØã¾ããò ½ãò ãä‡ãŠ† ØㆠãäÌããä¶ã£ãã¶ããò ‡ãŠãñ regulatory guidelines.
`¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñ¥ããè ‡ãñŠ ‚ãâ¦ãØãæã ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. v. Investments in subsidiaries, joint ventures and
associates are classified under as Held to Maturity.
2.3 ½ãîʾã¶ã :
i. ãä‡ãŠÔããè ãäÌããä¶ã£ãã¶ã ‡ãŠãè ‚ããä¼ãØãÆÖ¥ã-ÊããØã¦ã ‡ãŠã ãä¶ã£ããÃÀ¥ã ‡ãŠÀ¶ãñ ½ãò; 2.3 Valuation:
(‡ãŠ) ‚ããä¼ãªã¶ããñâ ¹ãÀ ¹ãÆ㹦㠪ÊããÊããè/‡ãŠ½ããèÍã¶ã/¹ãÆãä¦ã¼ãîãä¦ã Êãñ¶ã-ªñ¶ã ‡ãŠÀ ‡ãŠãñ ÊããØã¦ã i. In determining the acquisition cost of an investment:
½ãò Ôãñ Üã›ã ã䪾ãã Øã¾ãã Öõ. (a) Brokerage/commission/securities transaction tax
received on subscriptions is reduced from the cost.
(Œã) ãäÌããä¶ã£ãã¶ããò ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ Ôãâºãâ£ã ½ãò ¹ãƪ§ã ªÊããÊããè, ‡ãŠ½ããèÍã¶ã ‚ãããäª
(b) Brokerage, commission, etc. paid in connection
‡ãŠã „Ôããè Ôã½ã¾ã ̾ã¾ã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõ ‚ããõÀ ƒ¶Öò ÊããØã¦ã ½ãò Íãããä½ãÊã
with acquisition of investments are expensed
¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. upfront and excluded from cost.
(Øã) ¨ãÉ¥ã ãäÊãŒã¦ããò ¹ãÀ Œãâã䡦㠂ãÌããä£ã ‡ãñŠ ãäÊㆠ¹ãƪ§ã/¹ãÆ㹦㠺¾ãã•ã ‡ãŠãñ º¾ãã•ã (c) Broken period interest paid / received on debt
̾ã¾ã / ‚ãã¾ã ½ãã¶ãã Øã¾ãã Öõ ‚ããõÀ ƒ¶Öò ÊããØã¦ã / ãäÌã‰ãŠ¾ã-¹ãÆãä¦ã¹ãŠÊã ½ãò instruments is treated as interest expense/income
Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. and is excluded from cost/sale consideration.
(Üã) ÊããØã¦ã ‡ãŠã ãä¶ã£ããÃÀ¥ã ¼ãããäÀ¦ã ‚ããõÔã¦ã ÊããØã¦ã ¹ãÆ¥ããÊããè ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã (d) Cost is determined on the weighted average
Øã¾ãã Öõ. cost method.

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(Ý) „¹ãÀãñ‡ã‹¦ã ¦ããè¶ã Ñãñãä¥ã¾ããò ½ãò ¹ãÆãä¦ã¼ãîãä¦ã ‡ãñŠ ‚ãâ¦ãÀ¥ã ‡ãŠãñ ‚ãâ¦ãÀ¥ã ‡ãŠãè ãä¦ããä©ã (e) The transfer of a security amongst the above three
¹ãÀ ¶¾ãî¶ã¦ã½ã ‚ããä¼ãØãÆÖ¥ã ÊããØã¦ã/ºãÖãè ½ãîʾã/ºãã•ããÀ ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ÊãñŒãñ categories is accounted for at the least of acquisition
cost/book value/market value on the date of
½ãò ãäÊã¾ãã Øã¾ãã Öõ, ‚ããõÀ †ñÔãñ ‚ãâ¦ãÀ¥ã ¹ãÀ Öì† ½ãîʾãımÔã, ¾ããäª Öãñ ¦ããñ, transfer, and the depreciation, if any, on such
‡ãŠã ¹ãî¥ãæã¾ãã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. transfer is fully provided for.
ii. ›ñÈ•ãÀãè ãäºãÊããò ‚ããõÀ Ìãããä¥ãã䕾ã‡ãŠ ¹ã¨ããò ‡ãŠã ½ãîʾã¶ã ‚ãØãÆã¶ããè¦ã ̾ã¾ã ii. Treasury Bills and Commercial Papers are
‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. valued at carrying cost.
iii. `¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠÀŒãñ Øã†' Ñãñ¥ããè : `¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ iii. Held to Maturity category: Each scrip under
ãäÊㆠÀŒãñ Øã†' ¹ãƦ¾ãñ‡ãŠ ãäԉ㊹㠇ãŠãñ ‚ããä¼ãØãÆÖ¥ã ÊããØã¦ã ¹ãÀ ÊãñŒãñ Held to Maturity category is carried at its
½ãò ãäÊã¾ãã Øã¾ãã Öõ ‚ããõÀ ¾ããäª „Ôãñ ‚ãâãä‡ãŠ¦ã ½ãîʾ㠹ãÀ ‚ããä¼ãØãðÖãè¦ã acquisition cost or at amortised cost, if
acquired at a premium over the face value.
ãä‡ãŠ¾ãã Øã¾ãã Öõ ¦ããñ „Ôãñ ¹ããäÀÍããñãä£ã¦ã ÊããØã¦ã ¹ãÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã
Any premium on acquisition is amortised
Öõ. ãä‡ãŠÔããè ‚ããä¼ãØãðÖãè¦ã ¹ãÆãèãä½ã¾ã½ã ‡ãŠãñ ãä¶ã¾ã¦ã ‚ãã¾ã ‚ãã£ããÀ ¹ãÀ ¹ãÆãä¦ã¼ãîãä¦ã over the remaining maturity period of the
‡ãŠãè ºãÞããè ÖìƒÃ ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‚ãÌããä£ã ½ãò ¹ããäÀÍããñãä£ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. security on constant yield basis. Such
†ñÔãñ ¹ãÆãèãä½ã¾ã½ã ‡ãñŠ ¹ããäÀÍããñ£ã¶ã ‡ãŠãñ `ãäÌããä¶ã£ãã¶ããò ¹ãÀ º¾ãã•ã' ÍããèÓãà ‡ãñŠ amortisation of premium is adjusted against
‚㶦ãØãæ㠂ãã¾ã ‡ãñŠ Ôãã¹ãñàã Ôã½ãã¾ããñãä•ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ‚ãÔ©ãã¾ããè income under the head “interest on
investments”. A provision is made for
‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã ımÔã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. àãñ¨ããè¾ã ØãÆã½ããè¥ã
diminution, other than temporary. Investments
ºãö‡ãŠãò ‡ãŠãñ œãñü¡‡ãŠÀ ‚ã¶ãìÓãâãäØã¾ããò, Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‚ããõÀ ÔãÖ¾ããñãäØã¾ããò in subsidiaries, joint ventures and associates
(ªñÍã ‚ããõÀ ãäÌãªñÍã ªãñ¶ããò) ½ãò ãäÌããä¶ã£ãã¶ã ‡ãŠãñ ‚ãÌããä£ãØã¦ã ÊããØã¦ã ‚ãã£ããÀ (both in India and abroad) are valued at
¹ãÀ ½ãîʾããâãä‡ãŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠãò ½ãò ãäÌããä¶ã£ãã¶ã historical cost except for investments in
‡ãŠãñ ‚ãØãÆã¶ããè¦ã ÊããØã¦ã (‚ã©ããæãá ºãÖãè ½ãîʾã) ¹ãÀ ½ãîʾããâãä‡ãŠ¦ã ãä‡ãŠ¾ãã Regional Rural Banks, which are valued at
carrying cost (i.e book value).
Øã¾ãã Öõ.
iv. Available for Sale and Held for Trading
iv. `ãäÌã‰ãŠ¾ã ‡ãñŠ ãäÊㆠ„¹ãÊ㺣ã' ¦ã©ãã `̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠÀŒãñ
categories: Each scrip in the above two
Øã†' Ñãñãä¥ã¾ããú : „¹ãÀãñ‡ã‹¦ã ªãñ¶ããò Ñãñãä¥ã¾ããò ‡ãñŠ ¹ãƦ¾ãñ‡ãŠ ãäԉ㊹㠇ãŠã categories is revalued at the market price or
¹ãì¶ã½ãîÃʾã¶ã ãäÌããä¶ã¾ãã½ã‡ãŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ãä¶ã£ããÃãäÀ¦ã fair value determined as per Regulatory
ºãã•ããÀ ½ãîʾ㠾ãã „ãäÞã¦ã ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ guidelines, and only the net depreciation of
¹ãƦ¾ãñ‡ãŠ Ñãñ¥ããè Ôãñ Ô㽺㮠¹ãƦ¾ãñ‡ãŠ Ôã½ãîÖ ‡ãñŠ ãäÔã¹ãÊ ãä¶ãÌãÊã ½ãîʾãımÔã each group for each category is provided for
and net appreciation, is ignored. On provision
‡ãŠã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ãä¶ãÌãÊã ½ãîʾãÌãðãä® ‡ãŠãñ ÊãñŒãñ
for depreciation, the book value of the
½ãò ¶ãÖãé ãäÊã¾ãã Øã¾ãã Öõ. ½ãîʾãımÔã ‡ãŠã ¹ãÆãÌã£ãã¶ã Öãñ¶ãñ ¹ãÀ ¹ãƦ¾ãñ‡ãŠ individual securities remains unchanged after
¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠã ºãÖãè ½ãîʾ㠺ãã•ããÀ ‡ãñŠ ºãÖãè - ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ marking to market.
‚ãâ‡ãŠ¶ã ‡ãñŠ ¹ãÍÞãã¦ãá ‚ã¹ããäÀÌããä¦ãæã ÀÖã Öõ. v. Security receipts issued by an asset
v. ‚ãããäԦ㠹ãì¶ããä¶ãýããå㠇ã⊹ã¶ããè ´ãÀã •ããÀãè ¹ãÆãä¦ã¼ãîãä¦ã ÀÔããèªãò ‡ãŠã ½ãîʾã¶ã reconstruction company (ARC) are valued in
ØãõÀ-ÔããâãäÌããä£ã‡ãŠ ÞãÊããä¶ããä£ã ‚ã¶ãì¹ãã¦ã (¶ããù¶ã-†Ôã†Êã‚ããÀ) ãäÊãŒã¦ããñâ accordance with the guidelines applicable to
¹ãÀ ÊããØãî ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¦ãª¶ãìÔããÀ, non-SLR instruments. Accordingly, in cases
where the security receipts issued by the ARC
ãä•ã¶ã ½ãã½ãÊããò ½ãò ‚ãããäԦ㠹ãì¶ããä¶ãýããå㠇ã⊹ã¶ããè ´ãÀã •ããÀãè ¹ãÆãä¦ã¼ãîãä¦ã are limited to the actual realisation of the
ÀÔããèªãò ‡ãŠã ¹ããäÀÍããñ£ã¶ã ¦ã¦Ô㽺㮠¾ããñ•ã¶ãã ‡ãñŠ ãäÊãŒã¦ããò ‡ãñŠ ãäÊㆠfinancial assets assigned to the instruments
‚ããºãâã䛦ã ãäÌã§ããè¾ã ‚ãããäÔ¦ã¾ããò ‡ãŠãè ÌããÔ¦ããäÌã‡ãŠ ÌãÔãîÊããè ‡ãñŠ ‚ã¶ãìÔããÀ in the concerned scheme, the Net Asset
ãä‡ãŠ¾ãã Øã¾ãã Öõ, „¶ã ½ãã½ãÊããò ½ãò ãä¶ãÌãÊã ‚ãããäԦ㠽ãîʾã, ‚ãããäÔ¦ã Value, obtained from the ARC, is reckoned for
valuation of such investments.
¹ãì¶ããä¶ãýããå㠇ã⊹ã¶ããè Ôãñ ¹ãÆ㹦ã, ‡ãŠãè Øã¥ã¶ãã †ñÔãñ ãäÌããä¶ã£ãã¶ããò ‡ãñŠ ½ãîʾã¶ã
‡ãñŠ ãäÊㆠ‡ãŠãè ØãƒÃ Öõ. vi. Investments are classified as performing and
non-performing, based on the guidelines issued
vi ªñÍããè ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ¦ã©ãã ãäÌãªñÍã by the RBI in case of domestic offices and
ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò „Ôã ªñÍã ‡ãñŠ ãäÌããä¶ã¾ãã½ã‡ãŠãò ‡ãñŠ ãäªÍãã- respective regulators in case of foreign offices.
ãä¶ãªóÍããò ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ ‚ã•ãÇ㊠‚ããõÀ ‚ã¶ã•ãÇ㊠Investments of domestic offices become non
Ñãñãä¥ã¾ããò ½ãò ãäÌã¼ãããä•ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ªñÍããè ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ãäÌããä¶ã£ãã¶ã performing where:
ãä¶ã½¶ããäÊããäŒã¦ã ãäÔ©ããä¦ã¾ããò ½ãò ‚ã¶ã•ãÇ㊠Öãñ •ãã¦ãñ Öö : a) Interest/installment (including maturity
‡ãŠ) º¾ãã•ã/ãä‡ãŠÔ¦ã (¹ããäÀ¹ã‡ã‹Ìã¦ãã ÀããäÍã ÔããäÖ¦ã) ªñ¾ã Öõ ‚ããõÀ 90 proceeds) is due and remains unpaid for
more than 90 days.
ã䪶ããò Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠºã‡ãŠã¾ãã Öõ.
b) In the case of equity shares, in the event
Œã) ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãñŠ Ôãâºãâ£ã ½ãò, •ãÖãú ‚ã²ã¦ã¶ã ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè
the investment in the shares of any
‚ã¶ãì¹ãÊ㺣ã¦ãã ‡ãñŠ ‡ãŠãÀ¥ã Íãñ¾ãÀãò ‡ãŠãñ Á. 1/- ¹ãÆãä¦ã ‡ã⊹ã¶ããè company is valued at Re. 1 per company
½ãîʾ㠹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ - †ñÔãñ ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãñ on account of the non availability of the
‚ã¶ã•ãÇ㊠ãäÌããä¶ã£ãã¶ã ½ãã¶ãã •ãã†Øãã. latest balance sheet, those equity shares
would be reckoned as NPI.
Øã) ¾ããäª •ããÀãè‡ãŠ¦ããà ´ãÀã Êããè ØãƒÃ ‡ãŠãñƒÃ ¨ãÉ¥ã-ÔãìãäÌã£ãã ºãö‡ãŠ-
ºãÖãè ½ãò ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã Öãñ ØãƒÃ Öõ - †ñÔããè ãäÔ©ããä¦ã ½ãò c) If any credit facility availed by the issuer
„Ôããè •ããÀãè‡ãŠ¦ããà ´ãÀã •ããÀãè ãä‡ãŠÔããè ¼ããè ¹ãÆãä¦ã¼ãîãä¦ã ½ãò ãäÌããä¶ã£ãã¶ã is NPA in the books of the bank,
investment in any of the securities issued
‡ãŠãñ ‚ããõÀ •ããÀãè‡ãŠ¦ããà ´ãÀã ãäÌããä¶ã£ãã¶ã ‡ãŠãñ ‚ã¶ã•ãÇ㊠ãäÌããä¶ã£ãã¶ã by the same issuer would also be treated
½ãã¶ãã •ãã†Øãã. as NPI and vice versa.

123

C123 K123
 Üã) „¹ã¾ãìÇ㋦ã, ‚ããÌã;ã‡ãŠ ¹ããäÀÌã¦ãöããò ‡ãñŠ Ôãã©ã „¶ã ãä¹ãƹãŠÀñ¶Ôã Íãñ¾ãÀãò d) The above would apply mutatis-mutandis
¹ãÀ ¼ããè ÊããØãî ÖãñØãã •ãÖãú ãä¶ã£ããÃãäÀ¦ã Êãã¼ããâÍã ‡ãŠã ¼ãìØã¦ãã¶ã ¶ãÖãé to preference shares where the fixed
dividend is not paid.
ãä‡ãŠ¾ãã Øã¾ãã Öõ.
e) The investments in debentures/bonds,
Ý) †ñÔãñ ã䡺ãòÞãÀãò / ºããâ¡ãò ½ãò ãäÌããä¶ã£ãã¶ã •ããñ ‚ããäØãƽ㠇ãŠãè ¹ãƇãðŠãä¦ã which are deemed to be in the nature of
‡ãñŠ ½ãã¶ãñ ØㆠÖö, „¶ã ¹ãÀ ‚ã¶ã•ãÇ㊠ãäÌããä¶ã£ãã¶ã ‡ãñŠ ÌãÖãè ½ãã¶ãªâ¡ advance, are also subjected to NPI norms
ÊãØãòØãñ •ããñ ãäÌããä¶ã£ãã¶ããò ¹ãÀ ÊããØãî Öãñ¦ãñ Öö. as applicable to investments.
Þã) ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ‚ã¶ã•ãÇ㊠ãäÌããä¶ã£ãã¶ããò ‡ãñŠ Ôãâºãâ£ã ½ãò f) In respect of foreign offices, provisions
¹ãÆãÌã£ãã¶ã-Ô©ãã¶ããè¾ã ãäÌããä¶ã¾ã½ããò ‚ã©ãÌãã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ for non performing investments are made
as per the local regulations or as per the
½ãã¶ãªâ¡ãò ½ãò •ããñ ‚ããä£ã‡ãŠ ©ãã „Ôã‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. norms of RBI, whichever is higher.
vii. ãäÀ¹ããñ ¦ã©ãã ¹ãƦ¾ããÌããä¦ãæã ãäÀ¹ããñ Êãñ¶ãªñ¶ã [¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ vii. The Bank has adopted the Uniform
Ôãã©ã ÞãÊããä¶ããä£ã Ôã½ãã¾ããñ•ã¶ã ÔãìãäÌã£ãã (†Êㆆ¹ãŠ) ‡ãñŠ ‚ã£ããè¶ã Êãñ¶ãªñ¶ã Accounting Procedure prescribed by the RBI
‡ãñŠ ‚ãÊããÌãã] ‡ãŠãñ ÊãñŒãñ ½ãò Êãñ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà for accounting of Repo and Reverse Repo
transactions [other than transactions under
ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã `Ôã½ãã¶ã ÊãñŒãã ¹ãÆãä‰ãŠ¾ãã' ‡ãŠãñ ‚ã¹ã¶ãã¾ãã Öõ.
the Liquidity Adjustment Facility (LAF) with
¦ãª¶ãìÔããÀ, ãäÀ¹ããñ/¹ãƦ¾ããÌããä¦ãæã ãäÀ¹ããñ ‡ãñŠ ‚ã£ããè¶ã ãäÌã‰ãŠ¾ã/‰ãŠ¾ã ‡ãŠãè ØãƒÃ the RBI]. Accordingly, the securities sold/
¹ãÆãä¦ã¼ãîãä¦ã¾ããñâ ‡ãŠãñ †‡ãŠ½ãìͦã ãäÌã‰ãŠ¾ã / ‰ãŠ¾ã ½ãã¶ãã Øã¾ãã Öõ ‚ããõÀ „¶Öò purchased under Repo/Reverse Repo are
ãäÀ¹ããñ/¹ãƦ¾ããÌããä¦ãæã ãäÀ¹ããñ Œãã¦ããò ½ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ ¦ã©ãã ƒ¶ã treated as outright sales/purchases and
accounted for in the Repo/Reverse Repo
¹ãÆãäÌããäÓ›¾ããò ‡ãŠã ¹ããäÀ¹ã‡ã‹Ìã¦ãã ãä¦ããä©ã ‡ãŠãñ ¹ãƦ¾ããÌã¦ãöã ãä‡ãŠ¾ãã Øã¾ãã Öõ.
Accounts, and the entries are reversed on the
ÊããØã¦ã †Ìãâ ‚ãã¾ã ‡ãŠãñ ¾ã©ãããäÔ©ããä¦ã º¾ãã•ã ̾ã¾ã/‚ãã¾ã ‡ãñŠ ¹㠽ãò date of maturity. Costs and revenues are
ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ. ãäÀ¹ããñ/¹ãƦ¾ããÌããä¦ãæã ãäÀ¹ããñ Œãã¦ãñ ‡ãŠãè ÍãñÓã accounted as interest expenditure/income,
ÀããäÍã ‡ãŠã Ôã½ãã¾ããñ•ã¶ã ãäÌããä¶ã£ãã¶ã Œãã¦ãñ ‡ãŠãè ÍãñÓã ÀããäÍã ‡ãñŠ Ôãã¹ãñàã as the case may be. Balance in Repo/Reverse
Repo Account is adjusted against the balance
ãä‡ãŠ¾ãã Øã¾ãã Öõ.
in the Investment Account.
viii. ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ Ôãã©ã ÞãÊããä¶ããä£ã Ôã½ãã¾ããñ•ã¶ã ÔãìãäÌã£ãã viii. Securities purchased / sold under LAF with
(†Êㆆ¹ãŠ) ‡ãñŠ ‚ã£ããè¶ã ‰ãŠ¾ã / ãäÌã‰ãŠ¾ã ‡ãŠãè ØãƒÃ ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠãñ RBI are debited / credited to Investment
ãäÌããä¶ã£ãã¶ã Œãã¦ãñ ½ãò ¶ãã½ãñ/•ã½ãã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ „¶ã‡ãŠãñ Êãñ¶ãªñ¶ã Account and reversed on maturity of the
‡ãŠãè ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãŠãè ãä¦ããä©ã ¹ãÀ ¹ãƦ¾ããÌããä¦ãæã ãä‡ãŠ¾ãã Øã¾ãã Öõ. „¶ã transaction. Interest expended / earned thereon
is accounted for as expenditure / revenue.
¹ãÀ ̾ã¾ã / ‚ããä•ãæ㠺¾ãã•ã ‡ãŠãñ ̾ã¾ã/‚ãã¾ã ‡ãñŠ ¹㠽ãò ÊãñŒãñ ½ãò
ãäÊã¾ãã Øã¾ãã Öõ. 3. Loans /Advances and Provisions thereon
3 ¨ãÉ¥ã/‚ããäØãƽ㠂ããõÀ „¶ã ¹ãÀ ¹ãÆãÌã£ãã¶ã 3.1 Loans and Advances are classified as performing and
non-performing, based on the guidelines issued by the
3.1 ¨ãÉ¥ããò ‚ããõÀ ‚ããäØãƽããò ‡ãŠã ÌãØããê‡ãŠÀ¥ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã •ããÀãè ãäªÍãã- RBI. Loan assets become non-performing where:
ãä¶ãªóÍããò ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‚ã•ãÇ㊠‚ããõÀ ‚ã¶ã•ãÇ㊠¨ãÉ¥ããò ‚ããõÀ ‚ããäØãƽããò ‡ãñŠ i. In respect of term loan, interest and/or instalment
¹㠽ãò ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¨ãɥ㠂ãããäÔ¦ã¾ããú „¶ã ½ãã½ãÊããò ½ãò ‚ã¶ã•ãÇ㊠ºã¶ã of principal remains overdue for a period of more
•ãã¦ããè Öö, •ãÖãú: than 90 days;
i. ÔããÌããä£ã ¨ãɥ㠇ãñŠ Ôãâºãâ£ã ½ãò, º¾ãã•ã ‚ããõÀ/‚ã©ãÌãã ½ãîÊã£ã¶ã ‡ãŠãè ãä‡ãŠÔ¦ã 90 ii. In respect of an Overdraft or Cash Credit advance,
ã䪶ããò Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠ‚ããä¦ãªñ¾ã ÀÖ¦ããè Öõ; the account remains “out of order”, i.e. if the
outstanding balance exceeds the sanctioned limit/
ii. ‚ããñÌãÀ¡Èã¹ã‹› ¾ãã ¶ã‡ãŠª-¨ãɥ㠂ããäØãƽ㠇ãñŠ Ôãâºãâ£ã ½ãò Œãã¦ãã `‚ãÔãâØã¦ã' drawing power continuously for a period of 90
(`‚ãã„› ‚ããù¹ãŠ ‚ãã¡ÃÀ') ÀÖ¦ãã Öõ, ‚ã©ããæãá ¾ããäª ºã‡ãŠã¾ãã ÍãñÓãÀããäÍã ãä¶ãÀ¶¦ãÀ days, or if there are no credits continuously for
90 ã䪶ããò ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠÔãâÔÌããè‡ãðŠ¦ã Ôããè½ãã /‚ããÖÀ¥ã ‚ããä£ã‡ãŠãÀ 90 days as on the date of balance-sheet, or if the
credits are not adequate to cover the interest due
Ôãñ ‚ããä£ã‡ãŠ Öãñ •ãã¦ããè Öõ, ¾ãã ‡ãŠãñƒÃ ¼ããè ÀããäÍã ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ
during the same period;
ãä¶ãÀ¶¦ãÀ 90 ã䪶ããò ‡ãñŠ ãäÊㆠ•ã½ãã ¶ãÖãé Öõ ‚ã©ãÌãã ¾ãñ •ã½ããÀããäÍã¾ããú „Ôããè
iii. In respect of bills purchased/discounted, the
‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ªñ¾ã º¾ãã•ã ‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ã¹ã¾ããù¦ã Öö; bill remains overdue for a period of more than
iii. ‰ãŠ¾ã ãä‡ãŠ† Øã†/ºã›á›ã‡ãðŠ¦ã ãäºãÊããò ‡ãñŠ Ôãâºãâ£ã ½ãò, ãäºãÊã 90 ã䪶ããò ‡ãŠãè 90 days;
‚ãÌããä£ã Ôãñ ‚ããä£ã‡ãŠ ‚ããä¦ãªñ¾ã ÀÖ¦ãñ Öö; iv. In respect of agricultural advances for short
iv. ‚ãʹããÌããä£ã ¹ãŠÔãÊããò ‡ãñŠ ãäÊㆠ‡ãðŠãäÓã ‚ããäØãƽããò ‡ãñŠ Ôãâºãâ£ã ½ãò, •ãÖãú ½ãîÊã£ã¶ã duration crops, where the instalment of principal
or interest remains overdue for 2 crop seasons;
‡ãŠãè ãä‡ãŠÔ¦ã ¾ãã º¾ãã•ã 2 ¹ãŠÔãÊã-¨ãɦãì‚ããò ‡ãñŠ ãäÊㆠ‚ããä¦ãªñ¾ã ÀÖ¦ãñ Öö;
v. In respect of agricultural advances for long duration
v. ªãèÜããÃÌããä£ã ¹ãŠÔãÊããò ‡ãñŠ ãäÊㆠ‡ãðŠãäÓã ‚ããäØãƽããò ‡ãñŠ Ôãâºãâ£ã ½ãò, •ãÖãú ½ãîÊã£ã¶ã crops, where the principal or interest remains
¾ãã º¾ãã•ã †‡ãŠ ¹ãŠÔãÊã -¨ãɦãì ‡ãñŠ ãäÊㆠ‚ããä¦ãªñ¾ã ÀÖ¦ãñ Öõâ. overdue for one crop season.
3.2 ‚ã¶ã•ãÇ㊠‚ããäØãƽããò ‡ãŠãñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã ãä¶ã½¶ããäÊããäŒã¦ã ½ãã¶ãªâ¡ãò 3.2 Non-Performing advances are classified into sub-
‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‚ãÌã-½ãã¶ã‡ãŠ, ÔãâãäªØ£ã ‚ããõÀ Öããä¶ã¹ãƪ ‚ãããäÔ¦ã¾ããò ½ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã standard, doubtful and loss assets, based on the
Øã¾ãã Öõ: following criteria stipulated by RBI:

i. ‚ãÌã-½ãã¶ã‡ãŠ : ‡ãŠãñƒÃ ¨ãɥ㠂ãããäÔ¦ã, •ããñ 12 ½ãÖãè¶ããò ¾ãã „ÔãÔãñ ‡ãŠ½ã ‚ãÌããä£ã i. Sub-standard: A loan asset that has remained
non-performing for a period less than or equal
‡ãñŠ ãäÊㆠ‚ã¶ã•ãÇ㊠ÀÖ ØãƒÃ Öõ. to 12 months.

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 ii. ÔãâãäªØ£ã : ‡ãŠãñƒÃ ¨ãɥ㠂ãããäÔ¦ã, •ããñ 12 ½ãÖãè¶ããò ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠ‚ãÌã- ii. Doubtful: A loan asset that has remained in the
½ãã¶ã‡ãŠ ÌãØãà ½ãò ÀÖ ØãƒÃ Öõ. sub-standard category for a period of 12 months.
iii. Loss: A loan asset where loss has been identified
iii. Öããä¶ã¹ãƪ : ‡ãŠãñƒÃ ¨ãɥ㠂ãããäÔ¦ã, ãä•ãÔã½ãò Öããä¶ã ‡ãŠã ‚ããä¼ã—ãã¶ã Öãñ Øã¾ãã Öõ ãä‡ãŠ¶¦ãì
but the amount has not been fully written off.
„Ôã ÀããäÍã ‡ãŠãñ ¹ãî¥ãæã¾ãã ºã›á›ñ Œãã¦ãñ ½ãò ¶ãÖãé ¡ãÊãã Øã¾ãã Öõ.
3.3 Provisions are made for NPAs as per the extant
3.3 ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãÆããä£ã‡ãŠÀ¥ããò ´ãÀã ãä¶ã£ããÃãäÀ¦ã guidelines prescribed by the regulatory authorities,
Ìã¦ãýãã¶ã ãäªÍãã -ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ† ØㆠÖö ‚ããõÀ ¾ãñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã subject to minimum provisions as prescribed below by
ãä¶ã£ããÃãäÀ¦ã ãä¶ã½¶ããäÊããäŒã¦ã ¶¾ãî¶ã¦ã½ã ¹ãÆãÌã£ãã¶ã ½ãã¶ãªâ¡ ‡ãñŠ ‚ã£ããè¶ã ãä‡ãŠ† ØㆠÖö : the RBI:

‚ãÌã-½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããú : i. 10% ‡ãŠã Ôãã½ã㶾㠹ãÆãÌã£ãã¶ã Substandard Assets: i. A general provision
of 10%
ii. ¨ãɥ㠕ããñãäŒã½ããò, •ããñ ¹ãÆãÀâ¼ã Ôãñ Öãè
ii. Additional provision of
‚ã¹ãÆãä¦ã¼ãî¦ã Öö, ‡ãñŠ ãäÊㆠ10% ‡ãŠã 10% for exposures which
‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãÌã£ãã¶ã (•ãÖãú ¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠã are unsecured ab-initio
ÌãÔãîÊããè - ½ãîʾ㠹ãÆãÀâ¼ã Ôãñ Öãè 10% Ôãñ (where realisable value of
‚ããä£ã‡ãŠ ¶ãÖãé Öõ) security is not more than
10 percent ab-initio)
ÔãâãäªØ£ã ‚ãããäÔ¦ã¾ããú :
Doubtful Assets:
- ¹ãÆãä¦ã¼ãî¦ã ¼ããØã : i. †‡ãŠ ÌãÓãà ¦ã‡ãŠ - 20%
– Secured portion: i. Upto one year – 20%
ii. †‡ãŠ Ôãñ ¦ããè¶ã ÌãÓãà ¦ã‡ãŠ - 30%
ii. One to three years – 30%
iii. ¦ããè¶ã ÌãÓãà Ôãñ ‚ããä£ã‡ãŠ - 100%
iii. More than three years –
- ‚ã¹ãÆãä¦ã¼ãî¦ã ¼ããØã 100% 100%
Öããä¶ã¹ãƪ ‚ãããäÔ¦ã¾ããú : 100% – Unsecured portion 100%
3.4 ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ‚ã¶ã•ãÇ㊠‚ããäØãƽããò ‡ãñŠ Ôãâºãâ£ã ½ãò ¹ãÆãÌã£ãã¶ã-Ô©ãã¶ããè¾ã Loss Assets : 100%
ãäÌããä¶ã¾ã½ããò ‚ã©ãÌãã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ½ãã¶ãªâ¡ãò ½ãò •ããñ ‚ããä£ã‡ãŠ ©ãã „Ôã‡ãñŠ 3.4 In respect of foreign offices, provisions for non
‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. performing advances are made as per the local
3.5 ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÌã‰ãŠ¾ã ‡ãŠãñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã ãäªÍãã- regulations or as per the norms of RBI, whichever
ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ, ãä•ãÔã½ãò ãä‡ãŠÔããè Üãã›ñ (•ãÖãú ãäÌã‰ãŠ¾ã is higher.
½ãîʾã ãä¶ãÌãÊã ºãÖãè ½ãîʾã Ôãñ ‡ãŠ½ã Öõ) ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã •ãã¶ãã ‚ããÌã;ã‡ãŠ Öõ, 3.5 The sale of NPAs is accounted as per guidelines
prescribed by the RBI, which requires provisions to
•ãºããä‡ãŠ ‚ããä£ãÍãñÓã ‡ãŠãñ (•ãÖãú ãäÌã‰ãŠ¾ã ½ãîʾã ãä¶ãÌãÊã ºãÖãè ½ãîʾã Ôãñ •¾ããªã Öõ) ‡ãŠãñ be made for any deficit (where sale price is lower than
Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. ãä¶ãÌãÊã ºãÖãè ½ãîʾã ÀŒãñ ØㆠãäÌããäÍãÓ› ¹ãÆãÌã£ãã¶ã ¦ã©ãã the net book value), while surplus (where sale price
¼ããÀ¦ããè¾ã ãä¶ã¾ããæ㠨ãÉ¥ã ØããÀâ›ãè ãä¶ãØã½ã (ƒÃÔããè•ããèÔããè) ‡ãñŠ ¹ãÆ㹦㠪ãÌããò ½ãò Ôãñ Üã›ã¶ãñ ¹ãÀ is higher than the net book value) is ignored. Net book
ºã‡ãŠã¾ãã Öõ. value is outstandings as reduced by specific provisions
held and ECGC claims received.
3.6 ‚ããäØãƽããò ½ãò Ôãñ ãäÌããäÍãÓ› ¨ãɥ㠹ãÀ ãä‡ãŠ† ØㆠÖããä¶ã¹ãƪ ¹ãÆãÌã£ãã¶ããò, ‚ã¹ãÆ㹦㠺¾ãã•ã,
3.6 Advances are net of specific loan loss provisions,
¼ããÀ¦ããè¾ã ãä¶ã¾ããæ㠨ãÉ¥ã ØããÀâ›ãè ãä¶ãØã½ã (ƒÃÔããè•ããèÔããè) ‡ãñŠ ¹ãÆ㹦㠪ãÌããò ‚ããõÀ ºã›á›ã‡ãðŠ¦ã
unrealised interest, ECGC claims received and bills
ãäºãÊããò ‡ãŠãñ Üã›ã ã䪾ãã Øã¾ãã Öõ. rediscounted.
3.7 ¹ãì¶ãÔãÄÀÞã¶ããØã¦ã / ¹ãì¶ã: ãä¶ã£ããÃãäÀ¦ã ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ 3.7 For restructured/rescheduled assets, provisions are
´ãÀã •ããÀãè ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ† ØㆠÖö, ãä•ãÔã‡ãñŠ ‚ã¶ãì¹㠽ãîÊã ¨ãÉ¥ã made in accordance with the guidelines issued by
‡ãŠÀãÀ ‡ãñŠ ‚ã¶ãìÔããÀ ¼ããäÌãÓ¾ãØã¦ã ºã‡ãŠã¾ãã º¾ãã•ã ‡ãñŠ Ìã¦ãýãã¶ã ½ãîʾ㠇ãŠãè ¹ãì¶ãÔãÄÀãäÞã¦ã RBI, which requires that the present value of future
¹ãõ‡ãñŠ•ã ‡ãñŠ ‚ãâ¦ãØãæã Ôã½¼ãããäÌã¦ã º¾ãã•ã - ‚ãã¾ã Ôãñ ¦ãìÊã¶ãã ‡ãŠÀ¶ãñ ‡ãñŠ ºã㪠„‡ã‹¦ã ÀããäÍã ‡ãŠãè interest due as per the original loan agreement,
compared with the present value of the interest
‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã ‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã expected to be earned under the restructuring package,
•ãã†Øãã. „¹ãÀãñ‡ã‹¦ã ‚ãããäÔ¦ã¾ããò Ôãñ „ªá¼ãî¦ã „¦Ôããä•ãæ㠺¾ãã•ã ‡ãñŠ ¹ãÆãÌã£ãã¶ã ‡ãŠãñ ‚ããäØãƽã Ôãñ be provided in addition to provision for NPAs. The
Üã›ã¾ãã Øã¾ãã Öõ ‚ããõÀ ƒÔãñ ¦ãìÊã¶ã¹ã¨ã ‡ãñŠ `‚㶾㠪ñ¾ã¦ãã†ú -‚㶾ã' ÍããèÓãà ‡ãñŠ ‚ãâ¦ãØãæã provision for interest sacrifice, arising out of the
Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. above, is reduced from advances.
3.8 ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ¨ãɥ㠌ãã¦ããò ‡ãñŠ ½ãã½ãÊãñ ½ãò, ãäÌããä¶ã¾ãã½ã‡ãŠãò 3.8 In the case of loan accounts classified as NPAs, an
account may be reclassified as a performing account if
´ãÀã ãä¶ã£ããÃãäÀ¦ã ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãì¹ã Öãñ¶ãñ ¹ãÀ Öãè ãä‡ãŠÔããè Œãã¦ãñ ‡ãŠãñ ‚ã•ãÇãŠ
it conforms to the guidelines prescribed by the regulators.
Œãã¦ãñ ‡ãñŠ ¹㠽ãò ¹ãì¶ãÌãÃØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã Öõ.
3.9 Amounts recovered against debts written off in earlier
3.9 ¹ãîÌãÃÌã¦ããê ÌãÓããó ½ãò ºã›á›ñ Œãã¦ãñ ½ãò ¡ãÊãñ Øㆠ¨ãÉ¥ããò ‡ãñŠ Ôãã¹ãñàã ÌãÔãîÊããè ØãƒÃ ÀããäÍã ‡ãŠã years are recognised as revenue.
ãä¶ã£ããÃÀ¥ã ‚ãã¾ã ‡ãñŠ ¹㠽ãò ãä‡ãŠ¾ãã Øã¾ãã Öõ. 3.10 Unrealised Interest recognised in the previous year on
3.10 ãä¹ãœÊãñ ÌãÓãà ‚ããäØãƽããò ‡ãñŠ Ôã⪼ãà ½ãò ÀñŒããâãä‡ãŠ¦ã ãä‡ãŠ† Øㆠ†ñÔãñ ØãõÀ-ÌãÔãîÊããè‡ãðŠ¦ã º¾ãã•ã advances which have become non-performing during
•ããñ ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ã¶ã•ãÇ㊠Öãñ ØㆠÖö, „¶ã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. the current year, is provided for.
3.11 ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ¹ãÀ ãäÌããäÍãÓ› ¹ãÆãÌã£ãã¶ã ‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã 3.11 In addition to the specific provision on NPAs, general
ãä¶ã£ããÃãäÀ¦ã Ìã¦ãýãã¶ã ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠÔãã½ã㶾ã provisions are also made for standard assets as per the
extant guidelines prescribed by the RBI. The provisions
¹ãÆãÌã£ãã¶ã ¼ããè ãä‡ãŠ† ØㆠÖö. ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠãè ãäÔ©ããä¦ã ‡ãŠãè •ãã¶ã‡ãŠãÀãè ‡ãñŠ on standard assets are not reckoned for arriving at net
ãäÊㆠ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãÌã£ãã¶ããò ‡ãŠãñ ãäÔ©ããä¦ã ½ãò Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¾ãñ NPAs. These provisions are reflected in Schedule 5 of
¹ãÆãÌã£ãã¶ã ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ‚ã¶ãìÔãîÞããè 5 ‡ãñŠ `‚㶾㠪ñ¾ã¦ãã†ú ‚ããõÀ ¹ãÆãÌã£ãã¶ã - ‚㶾ã' ÍããèÓãà the balance sheet under the head “Other Liabilities &
‡ãñŠ ‚㶦ãØãæ㠹ãƪãäÍãæã Öö. Provisions – Others.”

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4. ‚ãÔ©ãã¾ããè ¹ãÆãÌã£ãã¶ã 4. Floating Provisions
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ, ºãö‡ãŠ ½ãò ‚ããäØãƽããò, ãäÌããä¶ã£ãã¶ããò ¦ã©ãã In accordance with the Reserve Bank of India guidelines,
the bank has an approved policy for creation and utilisation
Ôãã½ã㶾㠹ãƾããñ•ã¶ããò ‡ãñŠ ãäÊㆠ¹ãð©ã‡ãŠá ¹ã Ôãñ ‚ãÔ©ãã¾ããè ¹ãÆãÌã£ãã¶ããò ‡ãñŠ Ôãð•ã¶ã †Ìãâ „¹ã¾ããñØã of floating provisions separately for advances, investments
Öñ¦ãì ‚ã¶ãì½ããñã䪦㠶ããèãä¦ã Öõ. Ôãð•ã¶ã ãä‡ãŠ† •ãã¶ãñ ÌããÊãñ ƒ¶ã ‚ãÔ©ãã¾ããè ¹ãÆãÌã£ãã¶ããò ‡ãŠãè ½ãã¨ãã and general purpose. The quantum of floating provisions
‡ãŠã ãä¶ã£ããÃÀ¥ã ¹ãƦ¾ãñ‡ãŠ ãäÌã§ã ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò ãä‡ãŠ¾ãã •ãã†Øãã. ƒ¶ã ‚ãÔ©ãã¾ããè ¹ãÆãÌã£ãã¶ããò to be created would be assessed at the end of each
‡ãŠã „¹ã¾ããñØã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè ¹ãîÌãà ‚ã¶ãì½ããä¦ã Ôãñ ¶ããèãä¦ã ½ãò ãä¶ã£ããÃãäÀ¦ã ‚ãÔãã£ããÀ¥ã financial year. The floating provisions would be utilised
only for contingencies under extra ordinary circumstances
¹ããäÀãäÔ©ããä¦ã¾ããò ‡ãñŠ ‚ã£ããè¶ã ãäÔã¹ãÊ ‚ãã‡ãŠãäÔ½ã‡ãŠ¦ãã‚ããò ‡ãñŠ ãäÊㆠÖãè ãä‡ãŠ¾ãã •ãã†Øãã. specified in the policy with prior permission of Reserve
5. ªñÍãÌããÀ ¨ãÉ¥ã-•ããñãäŒã½ã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã Bank of India.

‚ãããäÔ¦ã ÌãØããê‡ãŠÀ¥ã ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãì¹ã ãä‡ãŠ† ØㆠãäÌããäÍãÓ› ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã 5. Provision for Country Exposure
¹ãð©ã‡ãŠá ªñÍãÌããÀ ¨ãɥ㠕ããñãäŒã½ã (ãä¶ã•ããè ªñÍã ‡ãñŠ ‚ãÊããÌãã) ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ãä‡ãŠ† In addition to the specific provisions held according to
ØㆠÖö. ƒ¶ã ªñÍããò ‡ãŠã ÌãØããê‡ãŠÀ¥ã Ôãã¦ã •ããñãäŒã½ã Ñãñãä¥ã¾ããò ¾ã©ãã ¶ãØ㥾ã, ‡ãŠ½ã, Ôãã½ã㶾ã, the asset classification status, provisions are held for
individual country exposures (other than the home
‚ããä£ã‡ãŠ, ‚㦾ããä£ã‡ãŠ, ¹ãÆãä¦ãºãâãä£ã¦ã †Ìãâ ¨ãɥ㠽ãò Íãããä½ãÊã ¶ã Öãñ¶ãñ ÌããÊãñ ÌãØããô ½ãò ãä‡ãŠ¾ãã
country). Countries are categorised into seven risk
Øã¾ãã Öõ, ¦ã©ãã ¾ãÖ ¹ãÆãÌã£ãã¶ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ Ìã¦ãýãã¶ã ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ categories, namely, insignificant, low, moderate, high,
ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¾ããäª ¹ãƦ¾ãñ‡ãŠ ªñÍã Ôãñ Ôãâºãâãä£ã¦ã ºãö‡ãŠ ‡ãŠã ªñÍãÌããÀ ¨ãɥ㠕ããñãäŒã½ã (ãä¶ãÌãÊã) very high, restricted and off-credit, and provision is made
‡ãìŠÊã ãä¶ããä£ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ 1% Ôãñ ‚ããä£ã‡ãŠ ¶ãÖãé Öãñ¦ãã Öõ ¦ããñ †ñÔãñ ªñÍãÌããÀ ¨ãÉ¥ã as per extant RBI guidelines. If the country exposure (net)
of the bank in respect of each country does not exceed
•ããñãäŒã½ã ¹ãÀ ‡ãŠãñƒÃ ¹ãÆãÌã£ãã¶ã ¶ãÖãé ÀŒãã •ãã¦ãã Öõ. ¾ãÖ ¹ãÆãÌã£ãã¶ã ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ‚ã¶ãìÔãîÞããè 1% of the total funded assets, no provision is maintained
5 ‡ãñŠ `‚㶾㠪ñ¾ã¦ãã†â ‚ããõÀ ¹ãÆãÌã£ãã¶ã - ‚㶾ã' ÍããèÓãà ‡ãñŠ ‚ãâ¦ãØãæ㠪Íããþãã Øã¾ãã Öõ. on such country exposures. The provision is reflected in
schedule 5 of the balance sheet under the “Other
6. ¡ñÀãèÌãñãä›ÌÔã : liabilities & Provisions – Others”
6.1 ºãö‡ãŠ ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè/ ¦ãìÊã¶ã¹ã¨ã ƒ¦ãÀ ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãñŠ ãäÊㆠºãÞããÌã-
̾ãÌãÔ©ãã ‡ãŠÀ¶ãñ ¾ãã ƒ¶ã‡ãñŠ ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ‡ãñŠ ¹ãƾããñ•ã¶ã Ôãñ ¡ñÀãèÌãñãä›ÌÔã ÔãâãäÌãªã†â 6. Derivatives:
•ãõÔãñ ãäÌãªñÍããè ½ãì³ã ãäÌã‡ãŠÊ¹ã, º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã, ½ãì³ã ãäÌããä¶ã½ã¾ã, ¹ãÀÔ¹ãÀ ½ãì³ã 6.1 The Bank enters into derivative contracts, such as
foreign currency options, interest rate swaps, currency
º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã ‚ããõÀ Ìãã¾ãªã ªÀ ‡ãŠÀãÀ ãä¶ãÓ¹ããã䪦㠇ãŠÀ¦ãã Öõ. ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè swaps, and cross currency interest rate swaps and
‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãñŠ ãäÊㆠºãÞããÌã-̾ãÌãÔ©ãã ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãƾããñ•ã¶ã Ôãñ forward rate agreements in order to hedge on-balance
ãä¶ãÓ¹ããã䪦㠇ãŠãè •ãã¶ãñ ÌããÊããè ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã†â ƒÔã ¹ãƇãŠãÀ ¦ãõ¾ããÀ ‡ãŠãè •ãã¦ããè sheet/off-balance sheet assets and liabilities or for
trading purposes. The swap contracts entered to
Öö ãä‡ãŠ ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ‚ãâ¦ããä¶ãÃãä֦㠽ãªãò ‡ãŠã ¹ãƼããÌã ¹ãÆãä¦ã‡ãîŠÊã ‚ããõÀ ¹ãÆãä¦ã Ôãâ¦ãìÊã¶ã‡ãŠãÀãè
hedge on-balance sheet assets and liabilities are
Öãñ. ƒ¶ã ¡ñÀãèÌãñãä›Ìã ãäÊãŒã¦ããò ‡ãŠã ¹ãƼããÌã ‚ãâ¦ããä¶ãÃãä֦㠂ãããäÔ¦ã¾ããò ‡ãñŠ ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã structured in such a way that they bear an opposite
¹ãÀ ãä¶ã¼ãÃÀ ‡ãŠÀ¦ãã Öõ ‚ããõÀ ƒÔãñ ºãÞããÌã-̾ãÌãÔ©ãã ÊãñŒãã‡ãŠÀ¥ã ãäÔã®ãâ¦ããò ‡ãñŠ ‚ã¶ãìÔããÀ and offsetting impact with the underlying on-balance
ÊãñŒãñ ½ãò ãäÊã¾ãã •ãã¦ãã Öõ. sheet items. The impact of such derivative instruments
is correlated with the movement of the underlying
6.2 Ôã¼ããè ¡ñÀãèÌãñãä›Ìã ãäÊãŒã¦ããò ‡ãŠãñ ¦ãìÊã¶ã¹ã¨ã ½ãò ‚ãããäÔ¦ã¾ããò ¾ãã ªñ¾ã¦ãã‚ããò ‡ãñŠ ¹ã assets and accounted in accordance with the principles
½ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ƒ¶ã‡ãŠãè ºãã•ããÀ ‡ãñŠ ºãÖãè ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ of hedge accounting.
Øã¥ã¶ãã ‡ãŠãè ØãƒÃ Öõ. 6.2 All derivative instruments are recognised as assets or
6.3 ºãÞããÌã ÔãâãäÌãªã‚ããò ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ¡ñÀãèÌãñãä›Ìã ÔãâãäÌãªã‚ããò ‡ãŠãñ ¹ãÆãñªá¼ãÌã¶ã liabilities in the balance sheet and measured at marked
to market.
‚ãã£ããÀ ¹ãÀ ‚ãâãä‡ãŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ºãÞããÌã ÔãâãäÌãªã‚ããò ‡ãŠãè Øã¥ã¶ãã ¦ãºã ¦ã‡ãŠ
6.3 Derivative contracts classified as hedge are recorded
ºãã•ããÀ ‡ãñŠ ºãÖãè ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ¶ãÖãé ‡ãŠãè •ãã¦ããè •ãºã ¦ã‡ãŠ ãä‡ãŠ ‚ãâ¦ããä¶ãÃãäÖ¦ã on accrual basis. Hedge contracts are not marked to
‚ãããäÔ¦ã¾ããú/ªñ¾ã¦ãã†â ºãã•ããÀ ‡ãñŠ ºãÖãè ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ‚ãâãä‡ãŠ¦ã ¶ã ‡ãŠãè ØãƒÃ Öãò. market unless the underlying Assets / Liabilities are
6.4 ãäÔãÌãã „¹ã¾ãìÇ㋦㠇ãñŠ, Ôã¼ããè ‚ã¶¾ã ¡ñÀãèÌãñãä›Ìã ÔãâãäÌãªã†â „²ããñØã ½ãò ¹ãÆÞããäÊã¦ã also marked to market.
Ôãã½ã㶾ã¦ã¾ãã ½ã㶾ã ÊãñŒãã‡ãŠÀ¥ã ãäÔã®ãâ¦ããò ‡ãñŠ ‚ã¶ãìÔããÀ ºãã•ããÀ ‡ãñŠ ºãÖãè ½ãîʾã 6.4 Except as mentioned above, all other derivative contracts
‡ãñŠ ‚ã¶ãìÔããÀ ‚ãâãä‡ãŠ¦ã ‡ãŠãè ØãƒÃ Öö. ºãã•ããÀ ‡ãñŠ ºãÖãè ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ‚ãâãä‡ãŠ¦ã are marked to market as per the generally accepted
practices prevalent in the industry. In respect of
¡ñÀãèÌãñãä›Ìã ÔãâãäÌãªã‚ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ºãã•ããÀ ½ãîʾ㠽ãò ¹ããäÀÌã¦ãöã, ¹ããäÀÌã¦ãö㠇ãŠãè derivative contracts that are marked to market, changes
‚ãÌããä£ã ½ãò Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã ãä‡ãŠ† ØㆠÖö. in the market value are recognised in the profit and
6.5 Ôã⪧㠾ãã ¹ãÆ㹦㠂ããù¹Íã¶ã ¹ãÆãèãä½ã¾ã½ã ‚ããù¹Íã¶ã ‡ãŠãè ‚ãÌããä£ã ‡ãŠãè Ôã½ããã书㠹ãÀ Êãã¼ã loss account in the period of change.
‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò ‚ãâãä‡ãŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ãäÌã‰ãŠ¾ã ãä‡ãŠ† Øㆠ‚ããù¹Íã¶ããò ¹ãÀ 6.5 Option premium paid or received is recorded in profit
and loss account at the expiry of the option. The
¹ãÆ㹦㠹ãÆãèãä½ã¾ã½ã ‚ããõÀ ‰ãŠ¾ã ãä‡ãŠ† Øㆠ‚ããù¹Íã¶ããò ¹ãÀ Ôã⪧㠹ãÆãèãä½ã¾ã½ã ‡ãŠãè ÍãñÓã Balance in the premium received on options sold and
ÀããäÍã ‡ãŠã ¹ãŠãùÀñ‡ã‹Ôã ‚ããñÌãÀ ª ‡ãŠã„â›À ‚ããù¹Íã¶ããò ‡ãñŠ ãäÊㆠºãã•ããÀ ½ãîʾ㠹ãÀ premium paid on options bought have been considered
¹ããäÀ‡ãŠÊã¶ã ‡ãŠÀ‡ãñŠ ºãÖãè ½ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. to arrive at Mark to Market value for forex Over the
Counter options.
7. ‚ãÞãÊã ‚ãããäÔ¦ã¾ããú ‚ããõÀ ½ãîʾãımÔã :
7. Fixed Assets and Depreciation
7.1 ‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ‡ãŠã ÔãâãäÞã¦ã ½ãîʾãımÔã Ôãñ ‡ãŠ½ã ÊããØã¦ã ¹ãÀ ‚ãâ‡ãŠ¶ã ãä‡ãŠ¾ãã
Øã¾ãã Öõ. 7.1 Fixed assets are carried at cost less accumulated
depreciation.
7.2 ÊããØã¦ã ½ãò ‰ãŠ¾ã ÊããØã¦ã ¦ã©ãã Ôã½ãÔ¦ã ̾ã¾ã, •ãõÔãñ ãä‡ãŠ Ô©ãã¶ã ‡ãŠãè ¦ãõ¾ããÀãè, ÔãâÔ©ãã¹ã¶ã 7.2 Cost includes cost of purchase and all expenditure
ÊããØã¦ãò ‚ããõÀ ‚ãããäԦ㠹ãÀ „Ôã‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¶ãñ Ôãñ ¹ãîÌãà Ìãֶ㠇ãŠãè ØãƒÃ ̾ãÌãÔãã¾ã such as site preparation, installation costs and
¹ãŠãèÔã Íãããä½ãÊã Öö. „¹ã¾ããñØã ‡ãŠãè ØãƒÃ ‚ãããäÔ¦ã¾ããò ¹ãÀ ÌãÖ¶ã ãä‡ãŠ† Øㆠ‚ã¶ãìÌã¦ããê professional fees incurred on the asset before it is

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 ̾ã¾ã ‡ãŠãñ ‡ãñŠÌãÊã ¦ã¼ããè ¹ãîâ•ããè‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ, •ãºã ¾ãñ ̾ã¾ã ƒ¶ã ‚ãããäÔ¦ã¾ããò put to use. Subsequent expenditure incurred on
Ôãñ Öãñ¶ãñ ÌããÊãñ ¼ããÌããè Êãã¼ã ‡ãŠãñ ¾ãã ƒ¶ã ‚ãããäÔ¦ã¾ããò ‡ãŠãè ̾ããÌãÖããäÀ‡ãŠ àã½ã¦ãã ‡ãŠãñ assets put to use is capitalised only when it increases
the future benefits from such assets or their
ºãü¤ã¦ãñ Öõ. functioning capability.
7.3 ƒ¶ã ªñÍããè ¹ããäÀÞããÊã¶ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ½ãîʾãımÔã ‡ãŠãè ªÀò ‚ããõÀ ½ãîʾãımÔã ¹ãƼãããäÀ¦ã 7.3 The rates of depreciation and method of charging
‡ãŠÀ¶ãñ ‡ãŠãè ¹ã®ãä¦ã ‡ãŠã ãäÌãÌãÀ¥ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ : depreciation in respect of domestic operations are
as under:
‰ãŠ½ã ‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ½ãîʾãımÔã ¹ãƼãããäÀ¦ã ½ãîʾãımÔã/
Ôãâ. ‡ãŠã ãäÌãÌãÀ¥ã ‡ãŠÀ¶ãñ ‡ãŠãè ¹ã®ãä¦ã ¹ããäÀÍããñ£ã¶ã ªÀ Sr. Description of Method of Depreciation/
No. fixed assets charging amortisation
1 ‡ã⊹¾ãî›À Ôããè£ããè ‡ãŠ›ãõ¦ããè 33.33% depreciation rate
¹ã®ãä¦ã ¹ãÆãä¦ã ÌãÓãà 1 Computers Straight Line 33.33%
Method every year
2 Öã¡ÃÌãñ¾ãÀ ‡ãñŠ ‚ããä¼ã¸ã ımãäÔã¦ã ½ãîʾã 60%
2 Computer Written Down 60%
‚ãâØã ‡ãñŠ ¹㠽ãò ¹ã®ãä¦ã software forming Value Method
Íãããä½ãÊã ‡ã⊹¾ãî›À an integral part
Ôããù¹ã‹›Ìãñ¾ãÀ of hardware
3 Computer Straight Line 100%, in
3 Öã¡ÃÌãñ¾ãÀ ‡ãñŠ ‚ããä¼ã¸ã Ôããè£ããè ‡ãŠ›ãõ¦ããè ‚ããä¼ãØãÆÖ¥ã Software which Method the year of
‚ãâØã ‡ãñŠ ¹㠽ãò ¶ã ¹ã®ãä¦ã ÌãÓãà ½ãò 100% does not form acquisition
Íãããä½ãÊã ‡ã⊹¾ãî›À an integral part
of hardware
Ôããù¹ã‹›Ìãñ¾ãÀ
4 Assets given on Straight Line At the rate
4 31 ½ããÞãà 2001 ¦ã‡ãŠ Ôããè£ããè ‡ãŠ›ãõ¦ããè ‡ã⊹ã¶ããè ‚ããä£ããä¶ã¾ã½ã financial lease Method prescribed
upto 31st March under
ãäÌã§ããè¾ã ¹ã›á›ñ ¹ãÀ ¹ã®ãä¦ã 1956 ‡ãñŠ ‚ã£ããè¶ã 2001 Companies
ªãè ØãƒÃ ‚ãããäÔ¦ã¾ããú ãä¶ã£ããÃãäÀ¦ã ªÀ ¹ãÀ Act 1956

5 ‚㶾㠂ãÞãÊã ‚ãããäÔ¦ã¾ããú ımãäÔã¦ã ½ãîʾ㠂ãã¾ã‡ãŠÀ ãä¶ã¾ã½ã 5 Other fixed Written down At the rate
assets value method prescribed
¹ã®ãä¦ã 1962 ‡ãñŠ ‚ã£ããè¶ã under
ãä¶ã£ããÃãäÀ¦ã ªÀ ¹ãÀ Income-tax
Rules 1962
7.4 ÌãÓãà ‡ãñŠ ªãõÀã¶ã ªñÍããè ¹ããäÀÞããÊã¶ããò Ôãñ ¹ãÆ㹦㠂ãããäÔ¦ã¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ½ãîʾãımÔã
7.4 In respect of assets acquired for domestic operations
182 ã䪶ããò ¦ã‡ãŠ ¹ãƾãì‡ã‹¦ã ‚ãããäÔ¦ã¾ããò ¹ãÀ ‚ã®ÃÌãÓãà ‡ãñŠ ãäÊㆠ¦ã©ãã 182 ã䪶ããò during the year, depreciation is charged for half an year
Ôãñ ‚ããä£ã‡ãŠ ¹ãƾãì‡ã‹¦ã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãîÀñ ÌãÓãà ‡ãñŠ ãäÊㆠ¹ãƼãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ, in respect of assets used for upto 182 days and for
•ãºããä‡ãŠ ‡ã⊹¾ãî›Àãò ‚ããõÀ Ôãã¹ã‹›Ìãñ¾ãÀ ¹ãÀ ½ãîʾãımÔã - ƒÔã ‚ãããäԦ㠇ãŠã „¹ã¾ããñØã the full year in respect of assets used for more than
182 days, except depreciation on computers and
‡ãŠÀ¶ãñ ‡ãŠãè ‚ãÌããä£ã Ôãñ ãä¶ãÀ¹ãñàã ¹ãîÀñ ÌãÓãà ‡ãñŠ ãäÊㆠ¹ãƼãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. software, which is charged for the full year irrespective
7.5 †ñÔããè ½ãªò ãä•ã¶ã½ãò Ôãñ ¹ãƦ¾ãñ‡ãŠ ‡ãŠã ½ãîʾã Á.1000/- Ôãñ ‡ãŠ½ã Öãñ „¶Öò ‰ãŠ¾ã of the period for which the asset was put to use.
ÌãÓãà ½ãò Öãè ºã›á›ñ Œãã¦ãñ ½ãò ¡ãÊã ã䪾ãã Øã¾ãã Öõ. 7.5 Items costing less than Rs. 1,000 each are charged off
7.6 ¹ã›á›ã‡ãðŠ¦ã ¹ããäÀÔãÀãò Ôãñ Ô㽺㮠¹ã›á›ã ¹ãÆãèãä½ã¾ã½ã, ¾ããäª Öãñ ¦ããñ, ‡ãŠãñ ¹ã›á›ã ‚ãÌããä£ã in the year of purchase.
¹ãÀ ¹ããäÀÍããñãä£ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ¹ã›á›ã ãä‡ãŠÀã¾ãñ ‡ãŠãñ „Ôããè ÌãÓãà ¹ãƼãããäÀ¦ã 7.6 In respect of leasehold premises, the lease premium,
ãä‡ãŠ¾ãã Øã¾ãã Öõ. if any, is amortised over the period of lease and the
lease rent is charged in the respective year.
7.7 ºãö‡ãŠ ´ãÀã 31 ½ããÞãà 2001, ‡ãŠãñ ¾ãã „ÔãÔãñ ¹ãîÌãà ¹ã›á›ñ ¹ãÀ ªãè ØãƒÃ ‚ãããäÔ¦ã¾ããò
7.7 In respect of assets given on lease by the Bank on or
‡ãñŠ Ôãâºãâ£ã ½ãò ¹ã›á›ñ ¹ãÀ ªãè ØãƒÃ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ½ãîʾ㠇ãŠãñ ¹ã›á›ã‡ãðŠ¦ã ‚ãããäÔ¦ã¾ããò before 31st March 2001, the value of the assets given
‡ãñŠ ¹㠽ãò ‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ‡ãñŠ ‚ãâ¦ãØãæ㠪Íããþãã Øã¾ãã Öõ ‚ããõÀ ÌãããäÓãÇ㊠¹ã›á›ã on lease is disclosed as Leased Assets under fixed
Íãìʇ㊠(¹ãîâ•ããè-ÌãÔãîÊããè) †Ìãâ ½ãîʾãımÔã ‡ãñŠ ‚ãâ¦ãÀ ‡ãŠãñ ¹ã›á›ã Ôã½ãã¶ããè‡ãŠÀ¥ã ÊãñŒãñ assets, and the difference between the annual lease
charge (capital recovery) and the depreciation is taken
½ãò ãäÊã¾ãã Øã¾ãã Öõ.
to Lease Equalisation Account.
7.8 ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ½ãò £ãããäÀ¦ã ‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ¹ãÀ ½ãîʾãımÔã ‡ãŠã ¹ãÆãÌã£ãã¶ã 7.8 In respect of fixed assets held at foreign offices,
Ôãâºãâãä£ã¦ã ªñÍããò ‡ãñŠ Ô©ãã¶ããè¾ã ãäÌããä¶ã¾ã½ããò/½ãã¶ãªâ¡ãò ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. depreciation is provided as per the regulations /norms
8. ¹ã›á›ñ of the respective countries.

‚ãããäÔ¦ã ÌãØããê‡ãŠÀ¥ã ‚ããõÀ ‚ããäØãƽããò ‡ãñŠ ãäÊㆠÊããØãî ¹ãÆãÌã£ãã¶ããè‡ãŠÀ¥ã ½ãã¶ãªâ¡ãò ‡ãŠã „¹ãÀãñ‡ã‹¦ã 8. Leases
‚ã¶ãìÞœñª 3 ½ãò ã䪆 ØㆠãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ãäÌã§ããè¾ã ¹ã›á›ãò ½ãò ¼ããè ¹ãƾããñØã The asset classification and provisioning norms applicable
ãä‡ãŠ¾ãã Øã¾ãã Öõ. to advances, as laid down in Para 3 above, are applied to
financial leases also.
9. ‚ãããäÔ¦ã¾ããò ‡ãŠãè ‚ã¹ãÔãã½ã㶾ã¦ãã
9. Impairment of Assets
•ãºã ‡ãŠ¼ããè Ü㛶ãã†ú ‚ã©ãÌãã ãäÔ©ããä¦ã¾ããò ½ãò ¹ããäÀÌã¦ãö㠾ãÖ Ôãâ‡ãñŠ¦ã ªñ¦ãñ Öö ãä‡ãŠ ãä‡ãŠÔããè ‚ãããäÔ¦ã
Fixed Assets are reviewed for impairment whenever events
‡ãŠãè ‚ãØãÆã¶ããè¦ã ÀããäÍã ‡ãŠãè ÌãÔãîÊããè ÔãâãäªØ£ã Öõ ¦ããñ †ñÔããè ãäÔ©ããä¦ã ½ãò ‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ‡ãŠãè
or changes in circumstances warrant that the carrying
‚ã¹ãÔãã½ã㶾ã¦ãã Öñ¦ãì Ôã½ããèàãã ‡ãŠãè •ãã¦ããè Öõ. £ãããäÀ¦ã ‚ããõÀ ¹ãƾããñØã ‡ãŠãè •ãã¶ãñ ÌããÊããè ‚ãããäÔ¦ã amount of an asset may not be recoverable. Recoverability
‡ãŠãè ÌãÔãîÊããè Öãñ ¹ãã†Øããè ¾ãã ¶ãÖãé ƒÔãñ ½ãã¹ã¶ãñ ‡ãñŠ ãäÊㆠ‚ãããäԦ㠇ãñŠ ‚ãØãÆã¶ããè¦ã ½ãîʾ㠇ãŠãè of assets to be held and used is measured by a comparison
¦ãìÊã¶ãã ‚ãããäԦ㠴ãÀã ‚ã¹ãñãäàã¦ã ¼ããäÌãÓ¾ãØã¦ã ãä¶ãÌãÊã ºã›á›ã‡ãðŠ¦ã ¶ã‡ãŠªãè ¹ãÆÌããÖ Ôãñ ¦ãìÊã¶ãã of the carrying amount of an asset to future net discounted

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 ‡ãŠÀ‡ãñŠ —ãã¦ã ‡ãŠãè •ãã¦ããè Öõ. ¾ããäª †ñÔããè ‚ãããäÔ¦ã¾ããò ‡ãŠãñ ‚ã¹ãÔãã½ã㶾ã¦ãã ‡ãñŠ ¾ããñؾ㠹ãã¾ãã cash flows expected to be generated by the asset. If such
assets are considered to be impaired, the impairment to be
•ãã¦ãã Öõ ¦ããñ ‚ã¹ãÔãã½ã㶾ã¦ãã ‡ãŠã ½ãã¹ã-‚ããä¼ã—ãã¶ã „Ôã ‚ããä£ã‡ãŠ ÀããäÍã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ recognised is measured by the amount by which the carrying
ãä‡ãŠ¾ãã •ãã¦ãã Öõ •ããñ ‚ãããäԦ㠇ãñŠ ‚ãØãÆã¶ããè¦ã ½ãîʾ㠂ããõÀ „Ôã‡ãñŠ „ãäÞã¦ã ½ãîʾ㠇ãñŠ ºããèÞã amount of the asset exceeds the fair value of the asset.
‡ãŠã ‚ãâ¦ãÀ Öõ.
10. Effect of changes in the foreign exchange rate
10. ãäÌãªñÍããè ½ãì³ã ãäÌããä¶ã½ã¾ã ªÀ ½ãò „¦ããÀ-Þãü¤ãÌã ‡ãŠã ¹ãƼããÌã 10.1 Foreign Currency Transactions
10.1ãäÌãªñÍããè ½ãì³ã Êãñ¶ã-ªñ¶ã i. Foreign currency transactions are recorded on
initial recognition in the reporting currency by
i. ãäÌãªñÍããè ½ãì³ã Êãñ¶ã-ªñ¶ã ‡ãŠãñ Êãñ¶ã-ªñ¶ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ÔãîãäÞã¦ã ½ãì³ã †Ìãâ ãäÌãªñÍããè applying to the foreign currency amount the
½ãì³ã ‡ãñŠ ºããèÞã ãäÌããä¶ã½ã¾ã ªÀ ‡ãŠãè ãäÌãªñÍããè ½ãì³ã ÀããäÍã ‡ãñŠ ¹ãƾããñØã ´ãÀã ÔãîãäÞã¦ã exchange rate between the reporting currency and
½ãì³ã ½ãò ¹ãÆãÀâãä¼ã‡ãŠ ãä¶ã£ããÃÀ¥ã ¹ãÀ ª•ãà ãä‡ãŠ¾ãã Øã¾ãã Öõ. the foreign currency on the date of transaction.
ii. ãäÌãªñÍããè ½ãì³ã ½ããõã䳇㊠½ãªãò ‡ãŠãè ÔãîÞã¶ãã ¼ããÀ¦ããè¾ã ãäÌãªñÍããè ½ãì³ã ̾ãã¹ããÀãè ii. Foreign currency monetary items are reported
using the Foreign Exchange Dealers Association
ÔãâÜã (¹ãñŠ¡ƒÃ) ‡ãŠãè ‚ãâãä¦ã½ã ¦ã¦‡ãŠãÊã / Ìãã¾ãªã ªÀãò ‡ãŠã ¹ãƾããñØã ‡ãŠÀ‡ãñŠ ªãè of India (FEDAI) closing spot/forward rates.
ØãƒÃ Öõ. iii. Foreign currency non-monetary items, which
iii. ãäÌãªñÍããè ½ãì³ã ØãõÀ ½ããõã䳇㊠½ãªãò, •ããñ ‚ãÌããä£ãØã¦ã ÊããØã¦ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ are carried in terms at historical cost, are
reported using the exchange rate at the date of
Êããè ØãƒÃ Öö, ‡ãŠãè ÔãîÞã¶ãã Êãñ¶ã-ªñ¶ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ¹ãÆÞããäÊã¦ã ½ãì³ã ãäÌããä¶ã½ã¾ã the transaction.
ªÀãò ‡ãŠã ¹ãƾããñØã ‡ãŠÀ‡ãñŠ ªãè ØãƒÃ Öõ. iv. Contingent liabilities denominated in foreign
iv. ãäÌãªñÍããè ½ãì³ã ½ãò ½ãîʾããâãä‡ãŠ¦ã ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‡ãŠãè ÔãîÞã¶ãã ¹ãñŠ¡ƒÃ currency are reported using the FEDAI closing
‡ãŠãè ‚ãâãä¦ã½ã ¦ã¦‡ãŠãÊã ªÀ ‡ãŠã ¹ãƾããñØã ‡ãŠÀ‡ãñŠ ªãè ØãƒÃ Öõ. spot rates.
v. Outstanding foreign exchange spot and forward
v. ̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠÀŒããè ØãƒÃ ºã‡ãŠã¾ã㠦㦇ãŠãÊã ãäÌãªñÍããè ½ãì³ã ãäÌããä¶ã½ã¾ã contracts held for trading are revalued at the
¦ã©ãã Ìãã¾ãªã ÔãâãäÌãªã‚ããò ‡ãŠãñ ƒ¶ã‡ãŠãè ãä¶ã£ããÃãäÀ¦ã ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ãäÊㆠ¹ãñŠ¡ƒÃ exchange rates notified by FEDAI for specified
´ãÀã ‚ããä£ãÔãîãäÞã¦ã ½ãì³ã ãäÌããä¶ã½ã¾ã ªÀãò ¹ãÀ ¹ãì¶ã½ãîÃʾããâãä‡ãŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ maturities, and the resulting profit or loss is
included in the Profit and Loss account.
‚ããõÀ ¹ããäÀ¥ãã½ããè Êãã¼ã ¾ãã Öããä¶ã ‡ãŠãñ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã
vi. Foreign exchange forward contracts which are not
ãä‡ãŠ¾ãã Øã¾ãã Öõ. intended for trading and are outstanding at the
vi. ãäÌãªñÍããè ½ãì³ã Ìãã¾ãªã ÔãâãäÌãªã‚ããò, •ããñ ̾ãÌãÔãã¾ã ‡ãñŠ ãäÊㆠ‚ã¹ãñãäàã¦ã ¶ãÖãé balance sheet date, are valued at the closing spot
Öö ‚ããõÀ ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ºã‡ãŠã¾ãã Öö, ‡ãŠã ‚ãâãä¦ã½ã ¦ã¦‡ãŠãÊã ªÀ rate. The premium or discount arising at the
inception of such a forward exchange contract is
¹ãÀ ½ãîʾããâ‡ãŠ¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. †ñÔããè Ìãã¾ãªã ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã ‡ãñŠ ¹ãÆãÀâ¼ã amortised as expense or income over the life of
Ôãñ „ªá¼ãî¦ã ¹ãÆãèãä½ã¾ã½ã ¾ãã ºã›á›ñ ‡ãŠãñ ÔãâãäÌãªã ‡ãŠãè ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‚ãÌããä£ã ‡ãñŠ the contract.
̾ã¾ã ¾ãã ‚ãã¾ã ‡ãñŠ ¹㠽ãò ¹ããäÀÍããñãä£ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. vii. Exchange differences arising on the settlement of
monetary items at rates different from those at
vii. ½ããõã䳇㊠½ãªãò ‡ãñŠ ãä¶ã£ããÃÀ¥ã Ôãñ „ªá¼ãî¦ã ãäÌããä¶ã½ã¾ã ‚ãâ¦ãÀ ÀããäÍã¾ããò ‡ãŠãñ „¶ã
which they were initially recorded are recognised
ªÀãò, •ããñ ªÀñ ‚ããÀâ¼ã Ôãñ ª•ãà ‡ãŠãè ØãƒÃ ©ããé, Ôãñ ãä¼ã¸ã ªÀãò ¹ãÀ „Ôã ‚ãÌããä£ã, as income or as expense in the period in which
ãä•ãÔã½ãò ¾ãñ ªÀò „ªá¼ãî¦ã ÖìƒÃ Öö, ‡ãŠãè ‚ãã¾ã ¾ãã ̾ã¾ã ‡ãñŠ ¹㠽ãò ãä¶ã£ããÃãäÀ¦ã they arise.
ãä‡ãŠ¾ãã Øã¾ãã Öõ. viii. Gains / Losses on account of changes in exchange
rates of open position in currency futures trades
viii. ½ãì³ã Ìãã¾ãªã ̾ãã¹ããÀ ½ãò ãäÌãªñÍããè ½ãì³ã ªÀãò ‡ãŠãè ‚ããÀâãä¼ã‡ãŠ ãäÔ©ããä¦ã ½ãò Öì† are settled with the exchange clearing house on
¹ããäÀÌã¦ã¶ããò ‡ãñŠ ‡ãŠãÀ¥ã Öì† Êãã¼ã/Öããä¶ã ‡ãŠãñ ãäÌãªñÍããè ½ãì³ã Ôã½ããÍããñ£ã¶ã ØãðÖ daily basis and such gains / losses are recognised
Ôãñ ¹ãÆãä¦ãã䪶ã ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ‚ããõÀ ƒÔã Êãã¼ã/Öããä¶ã ‡ãŠãñ Êãã¼ã in the profit and loss account.
‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. 10.2 Foreign Operations

10.2 ãäÌãªñÍããè ¹ããäÀÞããÊã¶ã Foreign Branches of the Bank and Offshore Banking
Units have been classified as Non-integral Operations
ºãö‡ãŠ ‡ãŠãè ãäÌãªñÍã ãäÔ©ã¦ã ÍããŒãã‚ããò ‚ããõÀ Ôã½ãì³¹ããÀãè¾ã ºãöãä‡ãâŠØã ƒ‡ãŠãƒ¾ããò ‡ãŠãñ and Representative Offices have been classified as
‚ãÔã½ãã‡ãŠãäÊã¦ã ¹ããäÀÞããÊã¶ããò ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ¹ãÆãä¦ããä¶ããä£ã Integral Operations.
‡ãŠã¾ããÃÊã¾ããò ‡ãŠãñ Ôã½ãã‡ãŠãäÊã¦ã ¹ããäÀÞããÊã¶ããò ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. a. Non-integral Operations:

‡ãŠ. ‚ãÔã½ãã‡ãŠãäÊã¦ã ¹ããäÀÞããÊã¶ã: i. Both monetary and non-monetary foreign

currency assets and liabilities including
i. ‚ãÔã½ãã‡ãŠãäÊã¦ã ãäÌãªñÍããè ¹ããäÀÞããÊã¶ããò ‡ãŠãè ªãñ¶ããò ½ããõã䳇㊠‚ããõÀ ØãõÀ- contingent liabilities of non-integral foreign
½ããõã䳇㊠ãäÌãªñÍããè ½ãì³ã ‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò ¦ã©ãã ‚ãã‡ãŠãäÔ½ã‡ãŠ operations are translated at closing
exchange rates notified by FEDAI at the
ªñ¾ã¦ãã‚ããò ‡ãŠãñ ¦ãìÊã¶ã¹ã¨ã ãä¦ããä©ã ‡ãŠãñ ¹ãñŠ¡ƒÃ ´ãÀã ‚ããä£ãÔãîãäÞã¦ã ‚ãâãä¦ã½ã balance sheet date.
ãäÌããä¶ã½ã¾ã ªÀãò ¹ãÀ ¹ããâ¦ããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ii. Income and expenditure of non-integral foreign
ii. ‚ãÔã½ãã‡ãŠãäÊã¦ã ãäÌãªñÍããè ¹ããäÀÞããÊã¶ããò ‡ãŠãè ‚ãã¾ã †Ìãâ ̾ã¾ã ‡ãŠãñ ãä¦ã½ããÖãè operations are translated at quarterly average
‡ãŠãè ‚ããõÔã¦ã ‚ãâãä¦ã½ã ªÀ ¹ãÀ ¹ããâ¦ããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. closing rates.
iii. Exchange differences arising on net
iii. ãä¶ãÌãÊã ãäÌããä¶ã£ãã¶ã ‡ãŠã ãä¶ã¹ã›ã¶ã Öãñ¶ãñ ¦ã‡ãŠ ‚ãÔã½ãã‡ãŠãäÊã¦ã ãäÌãªñÍããè investment in non-integral foreign operations
¹ããäÀÞããÊã¶ããò Ôãñ „ªá¼ãî¦ã ãäÌããä¶ã½ã¾ã ‚ãâ¦ãÀ-ÀããäÍã¾ããò ‡ãŠã ÔãâÞã¾ã¶ã are accumulated in Foreign Currency

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 ãäÌãªñÍããè ½ãì³ã ¹ããâ¦ãÀ¥ã ‚ããÀãäàããä¦ã ½ãò ãä‡ãŠ¾ãã Øã¾ãã Öõ. Translation Reserve until the disposal of the
net investment.
iv. ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãè ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠãè ãäÌãªñÍããè
iv. The Assets and Liabilities of foreign offices
½ãì³ã (ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãè Ô©ãã¶ããè¾ã ½ãì³ã ‡ãñŠ ‚ãÊããÌãã) in foreign currency (other than local currency
‡ãŠãñ „Ôã ªñÍã ½ãò ¹ãƾããñ•¾ã ¦ã¦‡ãŠãÊã ªÀãò ‡ãŠã ¹ãƾããñØã ‡ãŠÀ‡ãñŠ Ô©ãã¶ããè¾ã of the foreign offices) are translated into
½ãì³ã ½ãò ¹ããâ¦ããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. local currency using spot rates applicable to
that country.
Œã. Ôã½ãã‡ãŠãäÊã¦ã ¹ããäÀÞããÊã¶ã: b. Integral Operations:
i. ãäÌãªñÍããè ½ãì³ã Êãñ¶ã-ªñ¶ã ‡ãŠãñ Êãñ¶ã-ªñ¶ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãè ÔãîãäÞã¦ã ½ãì³ã i. Foreign currency transactions are recorded on
‚ããõÀ ãäÌãªñÍããè ½ãì³ã ½ãò ãäÌããä¶ã½ã¾ã ªÀ ¹ãÀ ãäÌãªñÍããè ½ãì³ã ÀããäÍã ‡ãñŠ initial recognition in the reporting currency
by applying to the foreign currency amount
¹ãƾããñØã ´ãÀã ÔãîãäÞã¦ã ½ãì³ã ½ãò ‚ããÀâãä¼ã‡ãŠ ‚ããä¼ã—ãã¶ã ¹ãÀ ª•ãà ãä‡ãŠ¾ãã
the exchange rate between the reporting
Øã¾ãã Öõ. currency and the foreign currency on the date
ii. Ôã½ãã‡ãŠãäÊã¦ã ãäÌãªñÍããè ¹ããäÀÞããÊã¶ããò ‡ãŠãè ½ããõã䳇㊠ãäÌãªñÍããè ½ãì³ã of transaction.
‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠãñ ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ¹ãñŠ¡ƒÃ ´ãÀã ii. Monetary foreign currency assets and
liabilities of integral foreign operations are
‚ããä£ãÔãîãäÞã¦ã ‚ãâãä¦ã½ã ãäÌããä¶ã½ã¾ã ªÀãò ¹ãÀ ¹ããâ¦ããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ translated at closing exchange rates notified
‚ããõÀ ¹ããäÀ¥ãã½ããè Êãã¼ã/Öããä¶ã ‡ãŠãñ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã by FEDAI at the balance sheet date and the
ãä‡ãŠ¾ãã Øã¾ãã Öõ. resulting profit/loss is included in the profit
and loss account.
iii. ‚ãÌããä£ãØã¦ã ÊããØã¦ã ‡ãñŠ ‚ã¶ãì¹㠂ãØãÆã¶ããè¦ã ãäÌãªñÍããè ½ãì³ã ØãõÀ-½ããõã䳇ãŠ
iii. Foreign currency non-monetary items which
½ãªãò ‡ãŠãè ÔãîÞã¶ãã Êãñ¶ãªñ¶ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ¹ãÆÞããäÊã¦ã ãäÌããä¶ã½ã¾ã ªÀ are carried in terms of historical cost are
‡ãŠã ¹ãƾããñØã ‡ãŠÀ‡ãñŠ ªãè ØãƒÃ Öõ. reported using the exchange rate at the date
of the transaction.
11. ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ã:
11.1‚ãʹããÌããä£ã ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ã: 11. Employee Benefits:
11.1 Short Term Employee Benefits:
‚ãʹããÌããä£ã ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ã ¾ã©ãã ãäÞããä‡ãŠ¦Ôãã ãäÖ¦ãÊãã¼ã, ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãÌã‡ãŠãÍã
The undiscounted amount of short-term employee
‚ãããäª ‡ãŠãè ºã›á›ãÀãäÖ¦ã ÀããäÍã ‡ãŠãñ, ãä•ãÔã‡ãŠãñ ‡ãŠ½ãÃÞãããäÀ¾ããò ´ãÀã ¹ãƪ§ã ÔãñÌãã ‡ãñŠ benefits, such as medical benefits, casual leave etc.
ãäÌããä¶ã½ã¾ã ½ãò ¹ãƪã¶ã ãä‡ãŠ¾ãã •ãã¶ãã ‚ã¹ãñãäàã¦ã Öõ, ‡ãŠ½ãÃÞãããäÀ¾ããò ´ãÀã ¹ãƪ§ã ÔãñÌãã which are expected to be paid in exchange for the
‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. services rendered by employees are recognised during
the period when the employee renders the service.
11.2 ¶ããõ‡ãŠÀãè „¹ãÀãâ¦ã ãäÖ¦ãÊãã¼ã:
11.2 Post Employment Benefits:
i. ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ¾ããñ•ã¶ãã
i. Defined Benefit Plan
‡ãŠ. ºãö‡ãŠ †‡ãŠ ¼ããäÌãÓ¾ã ãä¶ããä£ã ¾ããñ•ã¶ãã ‡ãŠã ¹ããäÀÞããÊã¶ã ‡ãŠÀ¦ãã Öõ, ºãö‡ãŠ
a. The Bank operates a Provident Fund Scheme.
‡ãŠãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ¾ããñ•ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæã Ôã¼ããè ¹ãã¨ã ‡ãŠ½ãÃÞããÀãè ¾ãÖ All eligible employees are entitled to receive
ãäÖ¦ãÊãã¼ã ¹ãÆ㹦㠇ãŠÀ¶ãñ ‡ãñŠ և㊪ãÀ Öö. ºãö‡ãŠ ãä¶ã£ããÃãäÀ¦ã ªÀ ¹ãÀ benefits under the Bank’s Provident Fund
(Ìã¦ãýãã¶ã Ôã½ã¾ã ½ãò ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ ½ãîÊã Ìãñ¦ã¶ã †Ìãâ ¹ãã¨ã-¼ã§ãñ ‡ãŠã Scheme. The Bank contributes monthly at a
determined rate (currently 10% of employee’s
10% ) ½ãããäÔã‡ãŠ ‚ãâÍãªã¶ã ‡ãŠÀ¦ãã Öõ. ƒ¶ã ‚ãâÍãªã¶ã ‡ãŠãñ, ƒÔã basic pay plus eligible allowance). These
„ªáªñ;㠇ãñŠ ãäÊㆠԩãããä¹ã¦ã ¶¾ããÔã ‡ãŠãñ ¹ãÆñãäÓã¦ã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõ contributions are remitted to a trust established
¦ã©ãã Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò ¹ãƼãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¶¾ããÔã- for this purpose and are charged to Profit and
Loss Account. The trust funds are retained as
ãä¶ããä£ã¾ããò ‡ãŠãñ ºãö‡ãŠ ½ãò •ã½ããÀããäÍã ‡ãñŠ ¹㠽ãò £ãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. deposits in the bank. The bank is liable for
ºãö‡ãŠ, ÌãããäÓãÇ㊠‚ãâÍãªã¶ã ‚ããõÀ ºãö‡ãŠ ´ãÀã £ãããäÀ¦ã •ã½ããÀããäÍã¾ããò ¹ãÀ annual contributions and interest on deposits
º¾ãã•ã ªñ¶ãñ ‡ãñŠ ãäÊㆠãäÌããä£ã‡ãŠ ¹ã Ôãñ „§ãÀªã¾ããè Öãñ¦ãã Öõ. ¾ãÖ held by the bank, which is payable at
Government specified minimum rate of interest
º¾ãã•ã - ªÀ ÔãÀ‡ãŠãÀãè ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ‡ãŠãè ºã‡ãŠã¾ãã
on provident fund balances of Government
ÀããäÍã¾ããò ¹ãÀ ªñ¾ã ãä¶ããäªÃÓ› ¶¾ãî¶ã¦ã½ã º¾ãã•ã ªÀ ‡ãñŠ ºãÀãºãÀ Öãñ¦ããè Öõ. Employees. The bank recognises such annual
ºãö‡ãŠ - ƒÔã ¹ãƇãŠãÀ ‡ãñŠ ÌãããäÓãÇ㊠‚ãâÍãªã¶ããò ‚ããõÀ „Ôã ¹ãÀ º¾ãã•ã ‡ãŠãñ contributions and interest as an expense in
Ôãâºãâãä£ã¦ã ÌãÓãà ‡ãñŠ Ôã⪼ãà ½ãò ̾ã¾ã ½ãã¶ã¦ãã Öõ. the year to which they relate.
b. The bank operates gratuity and pension
Œã. ºãö‡ãŠ, ØãÆñÞ¾ãì›ãè ‚ããõÀ ¹ãòÍã¶ã •ãõÔããè ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ¾ããñ•ã¶ãã†ú
schemes which are defined benefit plans.
¹ããäÀÞãããäÊã¦ã ‡ãŠÀ¦ãã Öõ. c. The Bank provides for gratuity to all eligible
Øã. ºãö‡ãŠ Ôã¼ããè ¹ãã¨ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ ØãÆñÞ¾ãì›ãè ¹ãƪã¶ã ‡ãŠÀ¦ãã Öõ. ¾ãÖ employees. The benefit is in the form of lump
ãäÖ¦ãÊãã¼ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ „¶ã‡ãŠãè ÔãñÌãããä¶ãÌãðãä§ã, ¶ããõ‡ãŠÀãè ‡ãñŠ ªãõÀã¶ã sum payments to vested employees on
retirement, on death while in employment, or
½ãð¦¾ãì Öãñ •ãã¶ãñ ‚ã©ãÌãã ¶ããõ‡ãŠÀãè ‡ãŠãè Ôã½ããã书㠹ãÀ †‡ãŠ½ãìͦã ÀããäÍã on termination of employment, for an amount
‡ãñŠ ¼ãìØã¦ãã¶ã ‡ãñŠ ¹㠽ãò ¹ãƪã¶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ. ¾ãÖ ÀããäÍã ºãö‡ãŠ equivalent to 15 days basic salary payable for
‡ãŠãè ÔãñÌãã ‡ãñŠ ¹ãƦ¾ãñ‡ãŠ ¹ãî¥ãà ÌãÓãà ‡ãñŠ ãäÊㆠªñ¾ã 15 ã䪶ããò ‡ãñŠ ½ãîÊãÌãñ¦ã¶ã each completed year of service, subject to a
maximum amount of Rs. 350,000. Vesting
‡ãñŠ Ôã½ã¦ãìʾã ÀããäÍã ¾ãã Á. 3,50,000/- ‡ãŠãè ‚ããä£ã‡ãŠ¦ã½ã ÀããäÍã
occurs upon completion of five years of
Öãñ¦ããè Öõ. ¾ãÖ ãäÖ¦ãÊãã¼ã ÔãñÌãã ‡ãñŠ ¹ããâÞã ÌãÓãà ¹ãîÀñ Öãñ¶ãñ ¹ãÀ Öãè ¹ãÆ㹦ã service. The Bank makes annual contributions

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 Öãñ¦ãã Öõ. ºãö‡ãŠ ƒÔã ÀããäÍã ‡ãŠã ÌãããäÓãÇ㊠‚ãâÍãªã¶ã ÔÌã¦ãâ¨ã ºããÛã to a fund administered by trustees based on
an independent external actuarial valuation
ºããè½ããâãä‡ãŠ‡ãŠ ½ãîʾã¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ¶¾ãããäÔã¾ããò ´ãÀã ãä¶ã¾ãâãä¨ã¦ã ãä¶ããä£ã carried out annually.
½ãò ‡ãŠÀ¦ãã Öõ. d. The Bank provides for pension to all eligible
Üã. ºãö‡ãŠ Ôã¼ããè ¹ãã¨ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ ¹ãòÍã¶ã ¹ãƪã¶ã ‡ãŠÀ¦ãã Öõ. ¾ãÖ ãäÖ¦ãÊãã¼ã employees. The benefit is in the form of
ãä¶ã¾ã½ãã¶ãìÔããÀ ½ãããäÔã‡ãŠ ¼ãìØã¦ãã¶ã ‡ãñŠ ¹㠽ãò ¹ãƪã¶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ monthly payments as per rules and regular
payments to vested employees on retirement,
‚ããõÀ ¹ãòÍã¶ã ‡ãŠã ¾ãÖ ãä¶ã¾ããä½ã¦ã ¼ãìØã¦ãã¶ã ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ ãä¶ã¾ã½ãã¶ãìÔããÀ on death while in employment, or on
„¶ã‡ãŠãè ÔãñÌãããä¶ãÌãðãä§ã, ¶ããõ‡ãŠÀãè ‡ãñŠ ªãõÀã¶ã ½ãð¦¾ãì Öãñ¶ãñ ¾ãã ¶ããõ‡ãŠÀãè ‡ãŠãè termination of employment. Vesting occurs at
Ôã½ããã书㠹ãÀ ãäÌããä¼ã¸ã ÞãÀ¥ããò ½ãò ãä‡ãŠ¾ãã •ãã¦ãã Öõ. ¹ãòÍã¶ã-ªñ¾ã¦ãã ‡ãŠãè different stages as per rules. The pension
liability is reckoned based on an independent
Øã¥ã¶ãã ÌãããäÓãÇ㊠ÔÌã¦ãâ¨ã ºããè½ããâãä‡ãŠ‡ãŠ ½ãîʾã¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‡ãŠãè •ãã¦ããè actuarial valuation carried out annually. The
Öõ. ºãö‡ãŠ †Ôãºããè‚ãム¹ãòÍã¶ã ¹ã⊡ ãä¶ã¾ã½ããò ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãòÍã¶ã ãä¶ããä£ã Bank makes annual contribution to the pension
½ãò Ìãñ¦ã¶ã ‡ãñŠ 10% ‡ãŠã ÌãããäÓãÇ㊠‚ãâÍãªã¶ã ‡ãŠÀ¦ãã Öõ. ãä¶ã£ããÃÀ¥ã ‡ãñŠ fund at 10% of salary in terms of SBI Pension
Fund Rules. The balance is retained in the
Ôã½ã¾ã „¹ã¾ããñØã ½ãò Êãㆠ•ãã¶ãñ ‡ãñŠ ãäÊㆠÍãñÓã ÀããäÍã ãäÌãÍãñÓã ¹ãÆãÌã£ãã¶ã special provision account to be utilised at the
Œãã¦ãñ ½ãò ÀŒããè ØãƒÃ Öõ. time of settlement.
Ý. ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã-¹ãÆãÌã£ãã¶ã-ÊããØã¦ã ‡ãŠãñ ¹ãƦ¾ãñ‡ãŠ ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ãä¦ããä©ã e. The cost of providing defined benefits is
¹ãÀ ‚ãØãÆã¶ããè¦ã ºããè½ããâãä‡ãŠ‡ãŠ ½ãîʾã¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‚ã¶ãì½ãããä¶ã¦ã ¾ãîãä¶ã› determined using the projected unit credit
method, with actuarial valuations being
¨ãɥ㠹ã®ãä¦ã ‡ãñŠ ¹ãƾããñØã Ôãñ ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ºããè½ããâãä‡ãŠ‡ãŠ carried out at each balance sheet date.
Êãã¼ã/Öããä¶ã ‡ãŠãñ Êãã¼ã ‚ããõÀ Öããä¶ã ãäÌãÌãÀ¥ã ½ãò ¦ãìÀ¶¦ã Íãããä½ãÊã ‡ãŠÀ Actuarial gains/losses are immediately
ã䪾ãã Øã¾ãã Öõ ‚ããõÀ „¶Öò Ô©ããäØã¦ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. recognised in the statement of profit and loss
and are not deferred.
ii. ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ ‚㶾㠪ãèÜããÃÌããä£ã ãäÖ¦ãÊãã¼ã : ii. Other Long Term Employee benefits:
‡ãŠ. ºãö‡ãŠ ‡ãŠã ¹ãƦ¾ãñ‡ãŠ ‡ãŠ½ãÃÞããÀãè ¹ãÆãä¦ã¹ãîãäÀ¦ã ‚ã¶ãì¹ããäÔ©ããä¦ã, À•ã¦ã •ã¾ãâ¦ããè a. All eligible employees of the bank are eligible
Ôã½½ãã¶ã ‚ããõÀ ‚ãÌã‡ãŠãÍã ¾ãã¨ãã ãäÀ¾ãã¾ã¦ã, ÔãñÌãããä¶ãÌãðãä§ã Êãã¼ã ‚ããõÀ for compensated absences, silver jubilee award,
¹ãì¶ãÌããÃÔã¶ã ¼ã§ãñ ‡ãŠã ¹ãã¨ã Öãñ¦ãã Öõ. ƒÔã ¹ãƇãŠãÀ ‡ãŠãè ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè leave travel concession, retirement award and
resettlement allowance. The costs of such
ãäÖ¦ãÊãã¼ã ‡ãŠãè ÊããØã¦ã ‡ãñŠ ãäÊㆠãä¶ããä£ã ºãö‡ãŠ ´ãÀã ‚ããâ¦ããäÀ‡ãŠ Õããñ¦ã long term employee benefits are internally
Ôãñ „¹ãÊ㺣㠇ãŠÀãƒÃ •ãã¦ããè Öõ. funded by the Bank.
Œã. ‚㶾㠪ãèÜããÃÌããä£ã ãäÖ¦ãÊãã¼ã ‡ãñŠ ¹ãÆãÌã£ãã¶ã ‡ãŠãè ÊããØã¦ã ‡ãŠã ãä¶ã£ããÃÀ¥ã b. The cost of providing other long term benefits
is determined using the projected unit credit
¹ãƦ¾ãñ‡ãŠ ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ºããè½ããâãä‡ãŠ‡ãŠ ½ãîʾã¶ã ‡ãŠãè ‚ã¶ãì½ãããä¶ã¦ã method with actuarial valuations being carried
¾ãîãä¶ã› ¨ãɥ㠹ã®ãä¦ã ‡ãñŠ ¹ãƾããñØã Ôãñ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¹ãîÌãÃÌã¦ããê ÔãñÌãã out at each balance sheet date. Past service
ÊããØã¦ã ‡ãŠãñ Êãã¼ã ‚ããõÀ Öããä¶ã ãäÌãÌãÀ¥ã ½ãò ¦ãìÀ¶¦ã Íãããä½ãÊã ‡ãŠÀ ã䪾ãã cost is immediately recognised in the statement
of profit and loss and is not deferred.
Øã¾ãã Öõ ‚ããõÀ „¶Öò Ô©ããäØã¦ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ.
12. Provision for Taxation
12. ‡ãŠÀ ãä¶ã£ããÃÀ¥ã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã:
12.1 Income tax expense is the aggregate amount of current
12.1 Ìã¦ãýãã¶ã ‡ãŠÀ, ‚ããÔ©ããäØã¦ã ‡ãŠÀ ¦ã©ãã ‚ã¶ãìÓãâØããè Êãã¼ã-‡ãŠÀ ¹ãƼããÀ ‡ãŠãè ‡ãìŠÊã ÀããäÍã tax, deferred tax and fringe benefit tax charge. Current
‚ãã¾ã ‡ãŠÀ ̾ã¾ã Öõ. ÞããÊãî ÌãÓãà ‡ãñŠ ‡ãŠÀãò ‡ãŠã ãä¶ã£ããÃÀ¥ã ÊãñŒãã ½ãã¶ã‡ãŠ 22 ‚ããõÀ year taxes are determined in accordance with the
¼ããÀ¦ã ½ãò ¹ãÆÞããäÊã¦ã ‡ãŠÀ ãä¶ã¾ã½ããò ‡ãñŠ ‚ã¶ãìÔããÀ ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ Ôãâºãâãä£ã¦ã provisions of Accounting Standard 22 and tax laws
prevailing in India after taking into account taxes of
ªñÍããò ‡ãñŠ ‡ãŠÀ ãä¶ã¾ã½ããò ‡ãŠã Ôã½ãã¾ããñ•ã¶ã ‡ãŠÀ‡ãñŠ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ‚ããÔ©ããäØã¦ã ‡ãŠÀ foreign offices, which are based on the tax laws of
‚ãããäÔ¦ã¾ããò ¾ãã ªñ¾ã¦ãã‚ããò ½ãò „Ôã ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã Öì† „¦ããÀ-Þãü¤ãÌã ‚ããÔ©ããäØã¦ã respective jurisdiction. Deferred tax adjustments
‡ãŠÀ Ôã½ãã¾ããñ•ã¶ããò ½ãò Ôã½ãããäÌãÓ› Öö. comprise of changes in the deferred tax assets or
liabilities during the period.
12.2 ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠã ‚ãã‡ãŠÊã¶ã ‚ããä£ããä¶ã¾ããä½ã¦ã ‡ãŠÀ - 12.2 Deferred tax assets and liabilities are measured using
ªÀãò ‚ããõÀ ‡ãŠÀ - ‡ãŠã¶ãî¶ããò ‚ã©ãÌãã ¦ãìÊã¶ã¹ã¨ã - ãä¦ããä©ã ‡ãñŠ ‡ãŠã¹ãŠãè ¹ãîÌãà ‚ããä£ããä¶ã¾ããä½ã¦ã tax rates and tax laws that have been enacted or
ªÀãò ‚ããõÀ ‡ãŠã¶ãî¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããò substantially enacted prior to the balance sheet date.
Deferred tax assets and liabilities are recognised on a
‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠã ‚ããä¼ã—ãã¶ã ãäÌãÌãñ‡ãŠ¹ãî¥ãà ‚ãã£ããÀ ¹ãÀ ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò
prudent basis for the future tax consequences of timing
‡ãñŠ ‚ãØãÆã¶ããè¦ã ½ãîʾ㠂ããõÀ „¶ã‡ãñŠ ‰ãŠ½ãÍã: ‡ãŠÀ-‚ãã£ããÀ ‚ããõÀ ‚ãØãÆã¶ããè¦ã àããä¦ã¾ããò differences arising between the carrying values of
‡ãñŠ ºããèÞã ‚ãÌããä£ãØã¦ã ãäÌã¼ãñª ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã‡ãŠÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ‚ããÔ©ããäØã¦ã assets and liabilities and their respective tax basis, and
‡ãŠÀ ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ½ãò Öì† ¹ããäÀÌã¦ãö㠇ãŠã ¹ãƼããÌã Êãã¼ã ‚ããõÀ Öããä¶ã carry forward losses. The impact of changes in the
deferred tax assets and liabilities is recognised in the
Œãã¦ãñ ½ãò ¹ãƇ㊛ ãä‡ãŠ¾ãã Øã¾ãã Öõ. profit and loss account.
12.3 ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããò ‡ãŠãñ, ÌãÔãîÊããè ‡ãŠãè ãä¶ããäÍÞã¦ã¦ãã Öãñ¶ãñ ‡ãñŠ ¹ãƺãâ£ã¶ã ‡ãñŠ 12.3 Deferred tax assets are recognised and reassessed at
ãä¶ã¥ãþ㠇ãñŠ ‚ãã£ããÀ ¹ãÀ, ¹ãƦ¾ãñ‡ãŠ ÔãîãäÞã¦ã ãä¦ããä©ã ‡ãŠãñ ÀñŒããâãä‡ãŠ¦ã ‚ããõÀ ¹ãì¶ããä¶ããããÃãäÀ¦ã each reporting date, based upon management’s
judgement as to whether realisation is considered
ãä‡ãŠ¾ãã Øã¾ãã Öõ. •ãºã ¾ãÖ ¹ãî¥ãà ¹ã Ôãñ Ôãìãä¶ããäÍÞã¦ã Öãñ Øã¾ãã Öõ ãä‡ãŠ †ñÔããè ‚ããÔ©ããäØã¦ã certain. Deferred tax assets are recognised on carry
‡ãŠÀ ‚ãããäÔ¦ã¾ããò ‡ãŠãè ÌãÔãîÊããè ¼ããÌããè Êãã¼ã Ôãñ ‡ãŠãè •ãã Ôã‡ãŠ¦ããè Öõ, ¦ãºã ‚ããÔ©ããäØã¦ã forward of unabsorbed depreciation and tax losses only
‡ãŠÀ ‚ãããäÔ¦ã¾ããò ‡ãŠã ‚ããä¼ã—ãã¶ã ‚ã¶ãÌãÍããñãäÓã¦ã ½ãîʾãımÔã ‚ããõÀ ‡ãŠÀ Öããä¶ã¾ããò ‡ãñŠ if there is virtual certainty that such deferred tax assets
can be realised against future profits.
‚ãØãÆñÓã¥ã ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ.

130

C130 K130
13. ¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã 13. Earning per Share
13.1 ºãö‡ãŠ ‚ããƒÔãã膂ãム´ãÀã •ããÀãè ÊãñŒãã ½ãã¶ã‡ãŠ-20 `¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã' ‡ãñŠ 13.1 The Bank reports basic and diluted earnings per
share in accordance with AS 20 -‘Earnings per Share’
‚ã¶ãìÔããÀ ¹ãÆãä¦ã Íãñ¾ãÀ ½ãîÊã ‚ããõÀ ‡ãŠ½ã ÖìƒÃ ‚ãã¾ã ‡ãŠãè ãäÀ¹ããñ›Ã ‡ãŠÀ¦ãã Öõ. ¹ãÆãä¦ã issued by the ICAI. Basic earnings per share are
Íãñ¾ãÀ ½ãîÊã ‚ãã¾ã ‡ãŠãè Øã¥ã¶ãã ‡ãŠÀãñ¹ãÀãâ¦ã ãä¶ãÌãÊã Êãã¼ã ‡ãŠãñ „Ôã ÌãÓãà ‡ãñŠ ãäÊㆠcomputed by dividing the net profit after tax by the
ÍãñÓã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãè ¼ãããäÀ¦ã ‚ããõÔã¦ã Ôã⌾ãã Ôãñ ãäÌã¼ãããä•ã¦ã ‡ãŠÀ‡ãñŠ ‡ãŠãè weighted average number of equity shares outstanding
•ãã¦ããè Öõ. for the year.
13.2 Diluted earnings per share reflect the potential dilution
13.2 ‡ãŠ½ã ‡ãŠãè ÖìƒÃ ¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã ¾ãÖ ¹ãƪãäÍãæ㠇ãŠÀ¦ããè Öõ ãä‡ãŠ ¾ããäª ¹ãÆãä¦ã¼ãîãä¦ã¾ããò that could occur if securities or other contracts to issue
‚ã©ãÌã㠂㶾ã ÔãâãäÌãªã‚ããò ‡ãŠãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã •ããÀãè ‡ãŠÀ¶ãñ ¾ãã Ôãâ¹ããäÀÌããä¦ãæ㠇ãŠÀ¶ãñ equity shares were exercised or converted during the
‡ãŠã ãäÌã‡ãŠÊ¹ã ãäÊã¾ãã Øã¾ãã ¦ããñ Íãñ¾ãÀ ½ãîʾããò ½ãò ãä‡ãŠ¦ã¶ããè ‡ãŠ½ããè ‚ãã†Øããè. ‡ãŠ½ã ‡ãŠãè year. Diluted earnings per share are computed using the
ÖìƒÃ ¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã ‡ãŠãè Øã¥ã¶ãã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãè ¼ãããäÀ¦ã ‚ããõÔã¦ã Ôã⌾ãã weighted average number of equity shares and dilutive
potential equity shares outstanding at year end.
‚ããõÀ ‡ãŠ½ã Ôãâ¼ããÌã¶ãã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãñŠ ºããèÞã ¦ãìÊã¶ãã ‡ãŠÀ‡ãñŠ ‡ãŠãè •ãã¦ããè Öõ.
14. Accounting for Provisions, Contingent Liabilities and
14. ¹ãÆãÌã£ãã¶ã, ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãŠã Contingent Assets
ÊãñŒãã - ãä¶ã£ããÃÀ¥ã 14.1 In conformity with AS 29, “Provisions, Contingent
14.1 ¼ããÀ¦ããè¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ ÔãâÔ©ãã¶ã ‡ãñŠ ÊãñŒãã ½ãã¶ã‡ãŠ 29 ‡ãñŠ ‚ã¶ãìÔããÀ •ããÀãè Liabilities and Contingent Assets”, issued by the
Institute of Chartered Accountants of India, the Bank
`¹ãÆãÌã£ãã¶ã, ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†ú ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããú' ½ãò ºãö‡ãŠ ãä¹ãœÊãñ recognises provisions only when it has a present
¹ããäÀ¥ãã½ã Ôãñ „ªá¼ãî¦ã Ìã¦ãýãã¶ã ªããä¾ã¦Ìã Öãñ¶ãñ ¹ãÀ Öãè ¹ãÆãÌã£ãã¶ã Íãããä½ãÊã ‡ãŠÀ¦ãã obligation as a result of a past event, it is probable
Öõ, ¾ãÖ Ôãâ¼ãÌã Öõ ãä‡ãŠ ªããä¾ã¦Ìã ‡ãñŠ ãä¶ã£ããÃÀ¥ã ½ãò ‚ãããä©ãÇ㊠Êãã¼ã ‡ãŠãñ Ôã½ãããäÌãÓ› that an outflow of resources embodying economic
‡ãŠÀ¶ãñ ÌããÊãñ ÔãâÔãã£ã¶ããò ‡ãñŠ ºããäÖØãýã¶ã ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã ¹ãü¡ñØããè ‚ããõÀ ¦ã¼ããè ƒÔã benefits will be required to settle the obligation, and
when a reliable estimate of the amount of the obligation
ªããä¾ã¦Ìã ÀããäÍã ‡ãŠã ãäÌãÍÌãԦ㠹ãÆã‡ã‹‡ãŠÊã¶ã ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã Öõ. can be made.
14.2 ãä¶ã½¶ããäÊããäŒã¦ã ‡ãñŠ ãäÊㆠãä‡ãŠÔããè ¹ãÆãÌã£ãã¶ã ‡ãŠã ‚ããä¼ã—ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ; 14.2 No provision is recognised for
i. ãä¹ãœÊãñ ¹ããäÀ¥ãã½ã Ôãñ „ªá¼ãî¦ã ãä‡ãŠÔããè Ôã½¼ãããäÌã¦ã ªããä¾ã¦Ìã ‡ãñŠ ãäÊㆠ‚ããõÀ ºãö‡ãŠ i. any possible obligation that arises from past events
‡ãñŠ ãä¶ã¾ãâ¨ã¥ã Ôãñ ºããÖÀ Öãñ¶ãñ ÌããÊãñ †‡ãŠ ¾ãã ‚ããä£ã‡ãŠ ‚ããä¶ããäÍÞã¦ã ¼ããÌããè and the existence of which will be confirmed only
¹ããäÀ¥ãã½ããò ‡ãŠãè ¹ãÆãã书㠾ãã ‚ã¹ãÆãã书ã Ôãñ ãä•ãÔã‡ãŠãèè ¹ãìãäÓ› ‡ãŠãè •ãã Ôã‡ãñŠØããè; by the occurrence or non-occurrence of one or
more uncertain future events not wholly within
‚ã©ãÌãã the control of the Bank; or
ii. ãä‡ãŠÔããè Ìã¦ãýãã¶ã ªããä¾ã¦Ìã ‡ãñŠ ãäÊã†, •ããñ ãä¹ãœÊãñ ¹ããäÀ¥ãã½ããò Ôãñ „ªá¼ãî¦ã Öõ, ii. any present obligation that arises from past events
ãä‡ãŠ¶¦ãì „Ôãñ ‚ããä¼ã—ãã¶ã ½ãò ¶ãÖãé ãäÊã¾ãã Øã¾ãã Öõ, ‡ã‹¾ããòãä‡ãŠ but is not recognised because
‡ãŠ. ¾ãÖ Ôãâ¼ãÌã ¶ãÖãé Öõ ãä‡ãŠ ªããä¾ã¦Ìã ‡ãñŠ ãä¶ã£ããÃÀ¥ã ½ãò ‚ãããä©ãÇ㊠Êãã¼ããò a. it is not probable that an outflow of resources
‡ãŠãñ Ôã½ãããäÌãÓ› ‡ãŠÀ¶ãñ ÌããÊãñ ÔãâÔãã£ã¶ããò ‡ãŠã ºããäÖØãýã¶ã ‚ããÌã;ã‡ãŠ embodying economic benefits will be required
to settle the obligation; or
ÖãñØãã, ‚ã©ãÌãã
b. a reliable estimate of the amount of obligation
Œã. ªããä¾ã¦Ìã ÀããäÍã ‡ãŠã ãäÌãÍÌãԦ㠹ãÆã‡ã‹‡ãŠÊã¶ã ¶ãÖãé ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã. cannot be made.
†ñÔãñ ªããä¾ã¦Ìããò ‡ãŠãñ ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‡ãñŠ ¹㠽ãò ª•ãà ãä‡ãŠ¾ãã Øã¾ãã Öõ. ƒ¶ã Such obligations are recorded as Contingent Liabilities.
ªããä¾ã¦Ìããò ‡ãŠã ãä¶ã¾ããä½ã¦ã ‚ãâ¦ãÀãÊããò ¹ãÀ ½ãîʾããâ‡ãŠ¶ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ‚ããõÀ †ñÔãñ ªããä¾ã¦Ìã These are assessed at regular intervals and only that
‡ãñŠ ‡ãñŠÌãÊã „Ôã ‚ãâÍã ‡ãŠã, ãä•ãÔã‡ãñŠ ‚ãããä©ãÇ㊠Êãã¼ããò ‡ãŠãñ Ôã½ãããäÌãÓ› ‡ãŠÀ¶ãñ ÌããÊãñ part of the obligation for which an outflow of resources
embodying economic benefits is probable, is provided
ÔãâÔãã£ã¶ããò ‡ãñŠ ºããäÖØãýã¶ã ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõ, ãä¶ã¦ã㶦㠪ìÊãü㠹ããäÀãäÔ©ããä¦ã¾ããò, ãä•ã¶ã½ãò for, except in the extremely rare circumstances where
‡ãŠãñƒÃ ãäÌãÍÌãԦ㠹ãÆã‡ã‹‡ãŠÊã¶ã ¶ãÖãé ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã, ‡ãñŠ ‚ãÊããÌãã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã no reliable estimate can be made.
Øã¾ãã Öõ. 14.3 Contingent Assets are not recognised in the financial
14.3 ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãŠãñ ãäÌã§ããè¾ã ãäÌãÌãÀ¥ããò ½ãò Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ, statements as this may result in the recognition of
‡ã‹¾ããòãä‡ãŠ ‚ãã¾ã ‡ãñŠ ãä¶ã£ããÃÀ¥ã ¹ãÀ ƒÔã‡ãŠã ¹ãƼããÌã ¹ãü¡ Ôã‡ãŠ¦ãã Öõ, •ãºããä‡ãŠ ƒÔã‡ãŠãè income that may never be realised.
ÌãÔãîÊããè ¶ãÖãé ‡ãŠãè •ãã Ôã‡ãŠ¦ããè. 15. Cash and cash equivalents
15. ¶ã‡ãŠªãè ‚ããõÀ ¶ã‡ãŠªãè Ôã½ã¦ãìʾã Cash and cash equivalents include cash on hand and in
ATM’s, and gold in hand, balances with RBI, balances with
¶ã‡ãŠªãè ‚ããõÀ ¶ã‡ãŠªãè Ôã½ã¦ãìʾ㠽ãò Öã©ã ¶ã‡ãŠªãè †Ìãâ †›ã膽㠽ãò ¶ã‡ãŠªãè ¦ã©ãã £ãããäÀ¦ã other banks, and money at call and short notice.
ÔÌã¥ãÃ, ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè •ã½ããÀããäÍã¾ããú, ‚㶾㠺ãö‡ãŠãò ½ãò •ã½ããÀããäÍã¾ããú ¦ã©ãã
½ããúØã †Ìãâ ‚ãʹã ÔãîÞã¶ãã ¹ãÀ ¹ãÆ㹾㠣ã¶ãÀããäÍã Íãããä½ãÊã Öö. 16. Employee Share Purchase Scheme:
In accordance with the Employee Stock Option Scheme and
16. ‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã ¾ããñ•ã¶ãã Employee Stock Purchase Scheme Guidelines, 1999 issued
¼ããÀ¦ããè¾ã ¹ãÆãä¦ã¼ãîãä¦ã ‚ããõÀ ãäÌããä¶ã½ã¾ã ºããñ¡Ã (Ôãñºããè) ´ãÀã •ããÀãè ‡ãŠ½ãÃÞããÀãè Ô›ã‡ãŠ ãäÌã‡ãŠÊ¹ã by the Securities and Exchange Board of India (SEBI), the
excess of market price one day prior to the date of issue
¾ããñ•ã¶ãã ‚ããõÀ ‡ãŠ½ãÃÞããÀãè Ô›ã‡ãŠ ‰ãŠ¾ã ¾ããñ•ã¶ãã ãäªÍãã-ãä¶ãªóÍã, 1999 ‡ãñŠ ‚ã¶ãìÔããÀ ãä•ãÔã
of the shares over the price at which they are issued is
½ãîʾ㠹ãÀ Íãñ¾ãÀ •ããÀãè ãä‡ãŠ† •ãã¦ãñ Öö „Ôã‡ãŠãè ¦ãìÊã¶ãã ½ãò Íãñ¾ãÀ •ããÀãè ãä‡ãŠ† •ãã¶ãñ ‡ãñŠ recognised as employee compensation cost.
†‡ãŠ ã䪶㠹ãîÌãà ‡ãñŠ ½ãîʾ㠽ãò ‚ãâ¦ãÀ ‡ãŠãñ ‡ãŠ½ãÃÞããÀãè ¹ãÆãä¦ã¹ãîãä¦ãà ÊããØã¦ã ½ãã¶ãã Øã¾ãã Öõ.
17. Share Issue Expenses
17. Íãñ¾ãÀ •ããÀãè ‡ãŠÀ¶ãñ ‡ãŠã ̾ã¾ã Share issue expenses are charged to the Share Premium
Íãñ¾ãÀ •ããÀãè ‡ãŠÀ¶ãñ ‡ãñŠ ̾ã¾ã ‡ãŠãñ Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã Œãã¦ãñ ½ãò ¹ãƼãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. Account.

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‚ã¶ãìÔãîÞããè - 18 Schedule - 18
ÊãñŒãã-ã䛹¹ããä¥ã¾ããú NOTES TO ACCOUNTS
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã† ½ãò)
(Amount in Rupees in crores)
18.1. ¹ãîâ•ããè :
18.1 Capital:
1. ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã :
1. Capital Adequacy Ratio:
ºãö‡ãŠ ´ãÀã •ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäԦ㠇ãŠãè ¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè-‚ã¶ãì¹ãã¦ã (Ôãã膂ããÀ) ‡ãŠã ãä¶ã£ããÃÀ¥ã
ãäÌã§ããè¾ã ãäÌãÌãÀ¥ã ‚ããõÀ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã •ããÀãè ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ãä¶ã½¶ãã¶ãìÔããÀ ãä‡ãŠ¾ãã The Capital to Risk-weighted Assets Ratio (CAR) as assessed by
Øã¾ãã Öõ : the Bank on the basis of the financial statements and guidelines
issued by the Reserve Bank of India (RBI) has been computed
‡ãŠ) ºãñÔãÊã -1 ‡ãñŠ ‚ã¶ãìÔããÀ : as below:

½ãªò 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè a) As per BASEL-I:

ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ Items As at As at
•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäÔ¦ã
31-Mar-2009 31-Mar-2008
‡ãŠãè ¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè-
‚ã¶ãì¹ãã¦ã - ‡ãìŠÊã (%) 12.97 13.54 Capital to Risk-weighted Assets
Ratio - Overall (%) 12.97 13.54
•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäÔ¦ã
‡ãŠãè ¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè- Capital to Risk-weighted Assets
Ratio - Tier I (%) 8.53 9.14
‚ã¶ãì¹ãã¦ã - Ñãñ¥ããè - I (%) 8.53 9.14
Capital to Risk-weighted Assets
•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäԦ㠇ãŠãè
Ratio - Tier II (%) 4.44 4.40
¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè-‚ã¶ãì¹ãã¦ã - Ñãñ¥ããè - II (%) 4.44 4.40
b) As per the Revised Guidelines for implementation of the New
Œã) ¶ãƒÃ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ¹ãÀñŒãã (ºãñÔãÊã - II) ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã ‡ãñŠ ãäÊㆠÔãâÍããñãä£ã¦ã ãäªÍãã-ãä¶ãªóÍããò Capital Adequacy Framework (BASEL-II):
‡ãñŠ ‚ã¶ãìÔããÀ :
Items As at
½ãªò 31 ½ããÞãà 2009 ‡ãŠãè 31-Mar-2009
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ Capital to Risk-weighted Assets Ratio - Overall(%) 14.25
•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäԦ㠇ãŠãè ¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè-
Capital to Risk-weighted Assets Ratio - Tier I(%) 9.38
‚ã¶ãì¹ãã¦ã - ‡ãìŠÊã (%) 14.25
Capital to Risk-weighted Assets Ratio - Tier II(%) 4.87
•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäԦ㠇ãŠãè ¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè-
‚ã¶ãì¹ãã¦ã - Ñãñ¥ããè - I (%) 9.38 2. Share capital:

•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäԦ㠇ãŠãè ¦ãìÊã¶ãã ½ãò ¹ãîâ•ããè- a) The bank has kept in abeyance the allotment of 88,278
‚ã¶ãì¹ãã¦ã - Ñãñ¥ããè - II (%) 4.87 Equity Shares of Rs.10/- each issued as part of Rights Issue
last year, since they are subject matter of title disputes or
2. Íãñ¾ãÀ - ¹ãîâ•ããè : are subjudice.
‡ãŠ) ºãö‡ãŠ ¶ãñ ãä¹ãœÊãñ ÌãÓãà ÀホáÔ㠃;ãî ‡ãñŠ ‚ãâ¦ãØãæ㠕ããÀãè ãä‡ãŠ† ØㆠÁ.10/- ¹ãÆãä¦ã Íãñ¾ãÀ ‡ãŠãè ªÀ b) During the year, , the Bank has issued 34,09,846 equity shares
Ôãñ 88,278 ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãñŠ ‚ããºã⛶㠇ãŠãñ Àãñ‡ãñŠ ÀŒã㠇㋾ããòãä‡ãŠ ¾ãã ¦ããñ Ìãñ ãäÌãÌããªØãÆԦ㠩ãñ of Rs. 10/- each for cash at a premium of Rs. 1580/- per equity
‚ã©ãÌãã ¶¾ãããä¾ã‡ãŠ ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ ‚ã£ããè¶ã ©ãñ. share i.e. at Rs. 1590/- per equity share aggregating to
Rs.542.17 crores to its employees under SBI Employees Share
Œã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ºãö‡ãŠ ¶ãñ Á.10/- ¶ã‡ãŠªãè ½ãîʾ㠇ãñŠ 34,09,846 ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ Purchase Scheme – 2008 (SBI ESPS – 2008). The issue of
Á.1580/- ¹ãÆãä¦ã Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã ¹ãÀ, ‚ã©ããæãá Á.1590/- ¹ãÆãä¦ã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ ‡ãŠãè equity shares under SBI ESPS-2008 has been accounted in
ªÀ Ôãñ †Ôãºããè‚ãム‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã ¾ããñ•ã¶ãã-2008 (†Ôãºããè‚ãムƒÃ†Ôã¹ããè†Ôã - accordance with SEBI (Employee Stock Option Scheme and
2008) ‡ãñŠ ‚ãâ¦ãØãæ㠂ã¹ã¶ãñ ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ Á.542.17 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãìŠÊã ÀããäÍã ¹ãÀ Employee Stock Purchase Scheme) guidelines
•ããÀãè ãä‡ãŠ†. †Ôãºããè‚ãムƒÃ†Ôã¹ããè†Ôã-2008 ‡ãñŠ ‚ãâ¦ãØãæ㠕ããÀãè ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãñ 1999.Accordingly, an amount of Rs. 21.41 crores has been
Ôãñºããè (‡ãŠ½ãÃÞããÀãè Ô›ã‡ãŠ ãäÌã‡ãŠÊ¹ã ¾ããñ•ã¶ãã ¦ã©ã㠇㊽ãÃÞããÀãè Ô›ã‡ãŠ ‰ãŠ¾ã ¾ããñ•ã¶ãã) charged as Employee expenses and transfered to Share
ãäªÍãããä¶ãªóÍã 1999 ‡ãñŠ ‚ã¶ãìÔããÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ. ¦ãª¶ãìÔããÀ Á.21.41 ‡ãŠÀãñü¡ Premium Account.
‡ãŠãè ÀããäÍ㠇㊽ãÃÞããÀãè ŒãÞãà ‡ãñŠ ¹㠽ãò Íãããä½ãÊã ‡ãŠãè ØãƒÃ ‚ããõÀ Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã Œãã¦ãñ c) The Government of India had, during the year ended
½ãò ‚ãâ¦ããäÀ¦ã ‡ãŠãè ØãƒÃ. 31.3.08, subscribed to 6,28,68,000 Equity Shares of Rs.10/-
Øã) 31.03.2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ Á.10/- ¹ãÆãä¦ã Íãñ¾ãÀ each at a premium of Rs.1580 per share as part of Rights
Offer of the bank. The Government of India has discharged
‚ããõÀ Á.1580/- ¹ãÆãèãä½ã¾ã½ã ‡ãñŠ 6,28,68,000 ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ - ºãö‡ãŠ ‡ãñŠ ÀホáÔã
the total consideration of Rs.9996.01 crores by issue of
¹ãÆÔ¦ããÌã ‡ãñŠ ‚ãâ¦ãØãæ㠂ãâÍãÔÌã¹ã ØãÆÖ¥ã ãä‡ãŠ†. ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ ‡ãìŠÊã Á.9996.01 ‡ãŠÀãñü¡
“8.35% SBI Rights Issue GOI Special Bonds 2024”. Certain
‡ãŠãè ÀããäÍã ‡ãñŠ ¼ãìØã¦ãã¶ã ‡ãñŠ ãäÊㆠ"8.35% †Ôãºããè‚ãムÀホáÔ㠃;ãî - ¼ããÀ¦ã ÔãÀ‡ãŠãÀ
restrictions have been placed by the Government on the sale
Ô¹ãñÍãÊã ºããâ¡ 2024" ‡ãŠãñ •ããÀãè ãä‡ãŠ¾ãã. ƒ¶ã ºããâ¡ãò ‡ãŠãè ãäºã‰ãŠãè ¹ãÀ ÔãÀ‡ãŠãÀ ´ãÀã ‡ãŠãä¦ã¹ã¾ã of these bonds.
¹ãÆãä¦ãºãâ£ã ÊãØãㆠØㆠÖö.
d) Expenses in relation to the issue of Equity Shares under
Üã) ‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã ¾ããñ•ã¶ãã 2008 ‡ãñŠ ‚ãâ¦ãØãæ㠃ãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãñ •ããÀãè ‡ãŠÀ¶ãñ ¹ãÀ Öì† the Employees Share Purchase Scheme 2008 amounting to
Á.1.21 ‡ãŠÀãñü¡ ‡ãñŠ ̾ã¾ã ‡ãŠãñ Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã †‡ãŠã„¥› ‡ãñŠ ¶ãã½ãñ ãä‡ãŠ¾ãã Öõ. Rs.1.21 crores is debited to Share Premium Account.

Ý) ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãŠãè Íãñ¾ãÀ£ãããäÀ¦ãã e) Shareholding of Government of India

Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã £ãããäÀ¦ãã No. of shares Holding

Ìã¦ãýãã¶ã ÌãÓãà ãä¹ãœÊãã ÌãÓãà Ìã¦ãýãã¶ã ÌãÓãà ãä¹ãœÊãã ÌãÓãà Current Year Previous Year Current Year Previous Year
37,72,07,200 37,72,07,200 59.41% 59.73% 37,72,07,200 37,72,07,200 59.41% 59.73%

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18.2. Ôãâãä½ãÑã ºããâ¡ : 18.2 Hybrid Bonds:
ãäÌãªñÍããè ½ãì³ã ½ãò •ããÀãè ¦ã©ãã Ôãâãä½ãÑã Ñãñ¥ããè I ¹ãîâ•ããè ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¶ãñ ÌããÊãñ ‚ããõÀ 31 ½ããÞãà 2009 The details of bonds issued in foreign currency, which qualify for Hybrid
‡ãŠãñ ºã‡ãŠã¾ãã †ñÔãñ ºããâ¡ãò ‡ãŠã ãäÌãÌãÀ¥ã ãä¶ã½¶ãÌã¦ã Öõ : Tier I Capital and outstanding as on 31st March 2009 are as under:

ãäÌãÌãÀ¥ã ãä¶ãØãýã ãä¦ããä©ã ‚ãÌããä£ã ÀããäÍã 31.03.09 31.03.08 Particulars Date Tenor Amount Equivalent as Equivalent as
‡ãŠãñ Ôã½ã¦ãìʾ㠇ãŠãñ Ôã½ã¦ãìʾã of Issue on 31-3-09 on 31-3-08
ÀããäÍã ÀããäÍã Bond issued under 15.02.2007 Perpetual USD 400 Rs. 2028.80 Rs. 1604.80
†½ã›ã膶㠇ãŠã¾ãÉ㊽ã- 15.02.2007 ºãñãä½ã¾ããªãè ¶ããù¶ã 400 ãä½ããäÊã¾ã¶ã Á. 2028.80 Á. 1604.80 the MTN Programme- Non Call million
12Ìããé ÏãðâŒãÊãã ‡ãñŠ ‡ãŠãùÊã - ‚ã½ãñãäÀ‡ãŠãè
‚ãâ¦ãØãæ㠕ããÀãè ºããâ¡ 10.25 ÌãÓãà ¡ãÊãÀ 12th Series 10-25 years

†½ã›ã膶㠇ãŠã¾ãÉ㊽ã- 26.06.2007 ºãñãä½ã¾ããªãè ¶ããù¶ã 225 ãä½ããäÊã¾ã¶ã Á. 1141.20 Á. 902.70 Bond issued under 25.06.2007 Perpetual USD 225 Rs. 1141.20 Rs. 902.70
14Ìããé ÏãðâŒãÊãã ‡ãñŠ ‡ãŠãùÊã - 10 ‚ã½ãñãäÀ‡ãŠãè the MTN Programme- Non Call million
‚ãâ¦ãØãæ㠕ããÀãè ºããâ¡ ÌãÓãà 01 ã䪶㠡ãÊãÀ
14th Series 10 years
¾ããñØã 625 ãä½ããäÊã¾ã¶ã Á. 3170.00 Á. 2507.50 1 day
‚ã½ãñãäÀ‡ãŠãè
¡ãÊãÀ Total USD 625 Rs. 3170.00 Rs. 2507.50
million
¾ããäª ºãö‡ãŠ 27.06.2017 ¦ã‡ãŠ ‡ãŠãùÊã ‚ããù¹Íã¶ã ‡ãŠã ¹ãƾããñØã ¶ãÖãé ‡ãŠÀ¦ãã Öõ ¦ããñ º¾ãã•ã ªÀ ºãü¤ãƒÃ •ãã†Øããè ‚ããõÀ ãäÔ©ãÀ ªÀ ‡ãŠãñ
‚ããäÔ©ãÀ ªÀ ½ãò ¹ããäÀÌããä¦ãæã ãä‡ãŠ¾ãã •ãã†Øãã. ¾ãñ ºããâ¡ ãäÔãâØãã¹ãìÀ Ô›ãù‡ãŠ †‡ã‹ÔãÞãò•ã ½ãò ÔãîÞããèºã® ãä‡ãŠ† ØㆠÖõ. If the Bank does not exercise call option by 27.06.2017, the interest rate will
be raised and fixed rate will be converted to floating rate. These bonds have
18.3 Øããõ¥ã ¨ãÉ¥ã : been listed in Singapore Stock exchange.
½ãªò 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè 18.3 Subordinated Debt:
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
Items As at 31 As at 31
ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ñãñ¥ããè-II ‡ãñŠ ¹㠽ãò „ØããÖãè March 2009 March 2008
ØãƒÃ Øããõ¥ã ¨ãÉ¥ããò ‡ãŠãè ÀããäÍã Á. 8000.00* Á. 6023.50
Amount of Subordinated Debt raised as
* Á. 425 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã, •ããñ ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ ‡ãŠãÀ¥ã ‚ããä¼ãØãðÖãè¦ã ‡ãŠãè ØãƒÃ,
Tier-II capital during the year Rs. 8000.00* Rs. 6023.50
ƒÔã½ãò Íãããä½ãÊã ¶ãÖãé Öõ.
* Does not include Rs. 425 crores which has been acquired consequent to acquisition
i) Øããõ¥ã ¨ãÉ¥ã - ºããâ¡ãò ‡ãñŠ ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Ôãñ „ØããÖãè ãä‡ãŠ† Øㆠ‚ã¹ãÆã¦ä ã¼ãî¦ã, ªãèÜããÃÌããä£ã, ‚ã¹ããäÀÌã¦ãöããè¾ã ¦ã©ãã Ôã½ã½ãîʾã of eSBS.
¹ãÀ ¹ãÆã¦ä ãªñ¾ã Öõ.â ƒÔã ¨ãɥ㠇ãŠãñ ºãö‡ãŠ ‡ãŠãè Ìã¦ãýãã¶ã †Ìãâ ¼ããÌããè ¹ãÆÌãÀ ¨ãÉ¥ãØãÆÔ¦ã¦ãã Ôãñ ‡ãŠ½ã ÌãÀãè¾ã¦ãã ¹ãÆ㹦ã Öõ ‚ããõÀ
¾ãÖ Ñãñ¥ããè II ¹ãî•â ããè ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¦ãã Öõ. i) The subordinated debts raised through private placement of Bonds
are unsecured, long term, non-convertible and are redeemable at par.
ii) †ñÔãñ ºã‡ãŠã¾ãã Øããõ¥ã ¨ãÉ¥ããò ‡ãŠã ãäÌãÌãÀ¥ã ãä¶ã½¶ãÌã¦ã Öõ : The debt is subordinated to present and future senior indebtedness
of the Bank and qualifies for Tier II capital.
ãäÌãÌãÀ¥ã ãä¶ãØãýã ÌãããäÓãÇ㊠‚ãÌããä£ã 31.03.09 ‡ãŠãñ 31.03.08 ‡ãŠãñ
ã䪶ããâ‡ãŠ º¾ãã•ã ªÀ Ôã½ã¦ãìʾã ÀããäÍã Ôã½ã¦ãìʾã ÀããäÍã ii) The details of such outstanding subordinated debt are given below:

ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Particulars Date of Rate of Tenor Equivalent Equivalent

ºããâ¡ 2005 05.12.2005 7.45% 113 ½ããÖ 3283.00 3283.00 issue Interest: Amount as Amount as
P.A. on 31.03.09 on 31.03.08
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
Private Placement
ºããâ¡ 2006 05.06.2006 8.80% 180 ½ããÖ 2327.90 2327.90
Bonds 2005 05.12.2005 7.45% 113 months 3283.00 3283.00
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement
ºããâ¡ 2006 (ii) 06.07.2006 9.00% 180 ½ããÖ 500.00 500.00 Bonds 2006 05.06.2006 8.80% 180 months 2327.90 2327.90
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement
ºããâ¡ 2006 (iii) 12.09.2006 8.96% 180 ½ããÖ 600.00 600.00 Bonds 2006(II) 06.07.2006 9.00% 180 months 500.00 500.00

ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement

ºããâ¡ 2006(iv) 13.09.2006 8.97% 180 ½ããÖ 615.00 615.00 Bonds 2006(III) 12.09.2006 8.96% 180 months 600.00 600.00
Private Placement
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
Bonds 2006(IV) 13.09.2006 8.97% 180 months 615.00 615.00
ºããâ¡ 2006(v) 15.09.2006 8.98% 180 ½ããÖ 1500.00 1500.00
Private Placement
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Bonds 2006(V) 15.09.2006 8.98% 180 months 1500.00 1500.00
ºããâ¡ 2006(vi) 04.10.2006 8.85% 180 ½ããÖ 400.00 400.00
Private Placement
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Bonds 2006(VI) 04.10.2006 8.85% 180 months 400.00 400.00
ºããâ¡ 2006(vii) 16.10.2006 8.88% 180 ½ããÖ 1000.00 1000.00 Private Placement
Bonds 2006(VII) 16.10.2006 8.88% 180 months 1000.00 1000.00
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
ºããâ¡ 2006(viii) 17.02.2007 9.37% 180 ½ããÖ 1000.00 1000.00 Private Placement
Bonds 2006(VIII) 17.02.2007 9.37% 180 months 1000.00 1000.00
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
Private Placement
ºããâ¡ 2006(ix) 21.03.2007 9.85% 111 ½ããÖ 1500.00 1500.00
Bonds 2006(IX) 21.03.2007 9.85% 111 months 1500.00 1500.00
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement
ºããâ¡ 2007-08(i) 07.06.2007 10.20% 180 ½ããÖ 2523.50 2523.50 Bonds 2007-08(I) 07.06.2007 10.20% 180 months 2523.50 2523.50

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 ãäÌãÌãÀ¥ã ãä¶ãØãýã ÌãããäÓãÇ㊠‚ãÌããä£ã 31.03.09 ‡ãŠãñ 31.03.08 ‡ãŠãñ Particulars Date of Rate of Tenor Equivalent Equivalent
ã䪶ããâ‡ãŠ º¾ãã•ã ªÀ Ôã½ã¦ãìʾã ÀããäÍã Ôã½ã¦ãìʾã ÀããäÍã issue Interest: Amount as Amount as
P.A. on 31.03.09 on 31.03.08
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
Private Placement
ºããâ¡ 2007-08(ii) 12.09.2007 10.10% 180 ½ããÖ 3500.00 3500.00
Bonds 2007-08(II) 12.09.2007 10.10% 180 months 3500.00 3500.00
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement
ºããâ¡ †Ôãºããè†Ôã (i) 09.03.2006 8.15% 111 ½ããÖ 200.00 — Bonds SBS(I) 09.03.2006 8.15% 111 months 200.00 —
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement
ºããâ¡ †Ôãºããè†Ôã (ii) 30.03.2007 9.80% 111 ½ããÖ 225.00 — Bonds SBS(II) 30.03.2007 9.80% 111 months 225.00 —

ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Private Placement

ºããâ¡ 2008-09 (i) 19.12.2008 8.90% 180 ½ããÖ 2500.00 — Bonds 2008-09(I) 19.12.2008 8.90% 180 months 2500.00 —
Private Placement
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
Bonds 2008-09(II) 29.12.2008 8.40% 114 months 1500.00 —
ºããâ¡ 2008-09 (ii) 29.12.2008 8.40% 114 ½ããÖ 1500.00 —
Private Placement
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Bonds 2008-09(III) 02.03.2009 9.15% 180 months 2000.00 —
ºããâ¡ 2008-09 (iii) 02.03.2009 9.15% 180 ½ããÖ 2000.00 —
Private Placement
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã Bonds 2008-09(IV) 06.03.2009 8.95% 111 months 1000.00 —
ºããâ¡ 2008-09 (iv) 06.03.2009 8.95% 111 ½ããÖ 1000.00 — Private Placement
Bonds 2008-09(V) 06.03.2009 9.15% 180 months 1000.00 —
ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã
ºããâ¡ 2008-09 (v) 06.03.2009 9.15% 180 ½ããÖ 1000.00 — Unsecured Loan in
Foreign Currency 12.04.2000 6.50% 108 months — 32.44
ãäÌãªñÍããè ½ãî³ã ½ãò
‚ã¹ãÆãä¦ã¼ãî¦ã ¨ãÉ¥ã 12.04.2000 6.50% 108 ½ããÖ - 32.44 Total 27174.40 18781.84

¾ããñØã 27174.40 18781.84 18.4 Investments

1. The details of investments and the movement of provisions
18.4 ãäÌããä¶ã£ãã¶ã : towards depreciation on investments of the Bank are
1. ºãö‡ãŠ ‡ãñŠ ãäÌããä¶ã£ãã¶ããò ¦ã©ãã ãäÌããä¶ã£ãã¶ããò ¹ãÀ Öì† ½ãîʾãımÔã ‡ãñŠ ãäÊㆠÀŒãñ Øㆠ¹ãÆãÌã£ãã¶ããò ‡ãñŠ „¦ããÀ-Þãü¤ãÌã given below:
‡ãŠã º¾ããñÀã ãä¶ã½¶ãã¶ãìÔããÀ Öõ: Particulars As at As at
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè 31-Mar-2009 31-Mar-2008
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ I. Value of Investments
I. ãäÌããä¶ã£ãã¶ããò ‡ãŠã ½ãîʾã i) Gross value of Investments
i) ãäÌããä¶ã£ãã¶ããò ‡ãŠã Ôã‡ãŠÊã ½ãîʾã (a) In India 270886.40 185278.42
(‡ãŠ) ¼ããÀ¦ã ½ãò 270886.40 185278.42 (b) Outside India 6795.19 5204.27
(Œã) ¼ããÀ¦ã Ôãñ ºããÖÀ 6795.20 5204.27 ii) Provisions for Depreciation
ii) ½ãîʾãımÔã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã
(a) In India 1415.32 948.32
(‡ãŠ) ¼ããÀ¦ã ½ãò 1415.32 948.32
(b) Outside India 312.31 33.10
(Œã) ¼ããÀ¦ã Ôãñ ºããÖÀ 312.31 33.10
iii) Net value of Investments
iii) ãäÌããä¶ã£ãã¶ããò ‡ãŠã ãä¶ãÌãÊã ½ãîʾã
(a) In India 269471.08 184330.10
(‡ãŠ) ¼ããÀ¦ã ½ãò 269471.08 184330.10
(b) Outside India 6482.88 5171.17
(Œã) ¼ããÀ¦ã Ôãñ ºããÖÀ 6482.88 5171.17
II. Movement of provisions held towards
II. ãäÌããä¶ã£ãã¶ããò ‡ãñŠ ½ãîʾãımÔã ‡ãñŠ ãäÊㆠÀŒãñ Øã†
¹ãÆãÌã£ãã¶ããò ½ãò „¦ããÀ-Þãü¤ãÌã depreciation on investments

i) ‚ã©ãÍãñÓã 981.42 1254.44 i) Opening Balance 981.42 1254.44

ii) •ããñü¡ò: ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ii) Add: Addition on account of
ÔããõÀãÓ›È ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ ‡ãŠãÀ¥ã Ìãðãä® 31.96 — acquisition of e-SBS 31.96 —
iii) •ããñü¡ñâ : ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã 1440.18 242.83 iii) Add: Provisions made during the year 1440.18 242.83
iv) Üã›ã†ú : ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãÌã£ãã¶ã/ iv) Less: Write off/write back of excess
¹ãì¶ã:ÌãØããê‡ãŠÀ¥ã ‡ãŠã ‚ã¹ãÊãñŒãã/¹ãÆãä¦ãÊãñŒãã 725.93 515.85
provision during the year. 725.93 515.85
v) ƒãä¦ã ÍãñÓã 1727.63 981.42
v) Closing balance 1727.63 981.42
ã䛹¹ã¥ããè : Notes:
1. ãäÌããä¶ã£ãã¶ããò ‡ãñŠ ‚ãâ¦ãØãæã - ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ Ôãã©ã ÀŒããè ØãƒÃ ÞãÊããä¶ããä£ã Ôã½ãã¾ããñ•ã¶ã ÔãìãäÌã£ãã ‡ãñŠ ‚ãâ¦ãØãæã a. Investment exclude securities utilised under Liquidity Adjustment
„¹ã¾ããñØã ‡ãŠãè ØãƒÃ Á. ãä¶ãÀâ‡ãŠ (ãä¹ãœÊãñ ÌãÓãà Á.17,000 ‡ãŠÀãñü¡) ¦ã©ãã ½ãã‡ãóŠ› ãäÀ¹ããñ ‡ãñŠ ‚ãâ¦ãØãæã Á. ãä¶ãÀâ‡ãŠ ‡ãŠÀãñü¡. Facitlity with RBI Rs. Nil (Previous Year Rs. 17,000 crores) and
(ãä¹ãœÊãñ ÌãÓãà Á. 515 ‡ãŠÀãñü¡ ) ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú Íãããä½ãÊã ¶ãÖãé Öö. Rs. NIL under Market Repo (Previous year Rs. 515 crores).

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2. Á.10,725.00 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 20,055 ‡ãŠÀãñü¡) ‡ãŠã ãäÌããä¶ã£ãã¶ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ / ‡ã‹Êããè¾ããäÀâØã b. Investment amounting to Rs. 10,725.00 crores (Previous Year
‡ãŠãÀ¹ããñÀñÍã¶ã ‚ããù¹ãŠ ƒâã䡾ãã ãäÊã. ‡ãñŠ ¹ããÔã Ôãã©ã-Ôãã©ã Ôã‡ãŠÊã ¼ãìØã¦ãã¶ã/¹ãÆãä¦ã¼ãîãä¦ã Ôã½ãã£ãã¶ã (‚ããÀ›ãè•ããè†Ôã / †¶ã¡ãè†Ôã) Rs. 20,055 crores) are kept as margin with RBI/Clearing Corporation
‡ãñŠ ‚ãâ¦ãØãæ㠽ãããä•ãöã ÔÌã¹ã ÀŒãã Øã¾ãã Öõ. of India Limited towards Real Time Gross Settelment /Securities
Settelment (RTGS/NDS).
3. ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ´ãÀã †Ôãºããè‚ãム‡ãŠÔ›ãñãä¡‚ãÊã ÔããäÌãÃÔãñ•ã ¹ãÆã. ãäÊããä½ã›ñ¡ ‚ããõÀ †Ôãºããè‚ãム¹ãòÍã¶ã ¹ã⊡ ¹ãÆãƒÌãñ›
c. During the year Bank has made fresh investment of Rs. 13.76 crores
ãäÊããä½ã›ñ¡ ½ãò ‰ãŠ½ãÍã: Á.13.76 ‡ãŠÀãñü¡ ‚ããõÀ Á.18 ‡ãŠÀãñü¡ ‡ãñŠ ¶ã† ãäÌããä¶ã£ãã¶ã ãä‡ãŠ† Øã†.
and Rs. 18 crores in SBI Custodial Services Private Limited and SBI
4. ‚㶾ã ãäÌããä¶ã£ãã¶ããò ½ãò ‚ããÀ‚ãメã膹㊠•ã½ãã ¾ããñ•ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæ㠶ããºãã¡Ã ‡ãñŠ ¹ããÔã •ã½ãã Á. 15923.14 ‡ãŠÀãñü¡ Pension Fund Private Limited respectively.
(ãä¹ãœÊãñ ÌãÓãà Á.12039.18 ‡ãŠÀãñü¡) ‡ãŠãè ÀããäÍã Íãããä½ãÊã Öõ. d. Other investments include deposits with NABARD under RIDF
Deposit Scheme amounting to Rs. 15923.14 crores (Previous Year
5. ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ‚ã¶ãìÓãâãäØã¾ããò ‚ããõÀ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠãè ¹ãîâ•ããè ºãü¤ã¶ãñ ‡ãñŠ ãäÊㆠÁ. 923.66 ‡ãŠÀãñü¡
Rs. 12039.18 crores).
‡ãŠãè ‚ããä¦ããäÀ‡ã‹¦ã ¹ãîâ•ããè ‡ãŠã ãä¶ãÌãñÍã ãä‡ãŠ¾ãã.
e. During the year, the Bank has infused additional capital of Rs. 923.66
crores in subsidiaries and joint ventures to augment their capital.

2. ãäÀ¹ããñ Êãñ¶ãªñ¶ã/ Repo Transactions

ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÀ¹ããñ ‚ããõÀ ¹ãƦ¾ããÌããä¦ãæã ãäÀ¹ããñ ‡ãñŠ ‚ã£ããè¶ã ãäÌã‰ãŠ¾ã †Ìã⠉㊾㠇ãŠãè ØãƒÃ ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠã º¾ããñÀã ãä¶ã½¶ãã¶ãìÔããÀ Öõ:
The details of securities sold and purchased under repos and reverse repos during the year are given below :

ãäÌãÌãÀ¥ã/ Particulars ÌãÓãà ‡ãŠñ ªãõÀã¶ã ¶¾ãî¶ã¦ã½ã ÌãÓãà ‡ãŠñ ªãõÀã¶ã ‚ããä£ã‡ãŠ¦ã½ã ÌãÓãà ‡ãŠñ ªãõÀã¶ã ªõãä¶ã‡ãŠ ‚ããõÔã¦ã ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò ÍãñÓã ÀããäÍã
ºã‡ãŠã¾ãã ÀããäÍã ºã‡ãŠã¾ãã ÀããäÍã ºã‡ãŠã¾ãã ÀããäÍã
Minimum outstanding Maximum outstanding Daily Average outstanding Balance as on
during the year during the year during the year year end
ãääÀ¹ããñ ‡ãŠñ ‚ã£ããè¶ã ãäºã‰ãŠãè ‡ãŠãè ØãƒÃ ¹ãÆãä¦ã¼ãîãä¦ã¾ããú 0.00 31000.71 4418.48 0.00
Securities sold under repos (0.00) (17900.00) (1627.68) (17500.00)
¹ãƦ¾ããÌããä¦ãæã ãääÀ¹ããñ ‡ãŠñ ‚ã£ããè¶ã ‰ãŠ¾ã ‡ãŠãè ØãƒÃ ¹ãÆãä¦ã¼ãîãä¦ã¾ããú 0.00 50747.57 9517.78 0.00
Securities purchased under reverse repos (0.00) (24480.00) (2296.11) (0.00)
(‡ãŠãñÓŸ‡ãŠãò ½ãñâ ã䪆 Øㆠ‚ããâ‡ãŠü¡ñ ãä¹ãœÊãñ ÌãÓãà ‡ãŠñ Öö) / Figures in brackets are for Previous Year)

3. ØãõÀ-ÔããâãäÌããä£ã‡ãŠ ÞãÊããä¶ããä£ã ‚ã¶ãì¹ãã¦ã (¶ããù¶ã †Ôã†Êã‚ããÀ) ãäÌããä¶ã£ãã¶ã ÔãâãäÌã¼ããØã

Non-SLR Investment Portfolio
(a) ØãõÀ-ÔããâãäÌããä£ã‡ãŠ ÞãÊããä¶ããä£ã ‚ã¶ãì¹ãã¦ã (¶ããù¶ã †Ôã†Êã‚ããÀ) ãäÌããä¶ã£ãã¶ããò ‡ãŠãè ãä¶ãØãýã‡ãŠ¦ããÃ-ÔãâÀÞã¶ãã :
Issuer composition of Non SLR Investments:
ºãö‡ãŠ ‡ãŠñ ØãõÀ-ÔããâãäÌããä£ã‡ãŠ ÞãÊããä¶ããä£ã ‚ã¶ãì¹ãã¦ã (¶ããù¶ã †Ôã†Êã‚ããÀ) ãäÌããä¶ã£ãã¶ããò ‡ãŠãè ãä¶ãØãýã‡ãŠ¦ããÃ-ÔãâÀÞã¶ãã ãä¶ã½¶ãã¶ãìÔããÀ Öõ :
The issuer composition of Non-SLR investments of the Bank is given below :
Ôãâ. ãää¶ãØãýã‡ãŠ¦ããà / Issuer Ôã‡ãŠÊã ºã‡ãŠã¾ãã ÀããäÍã ãä¶ã•ããè ãä¶ã¾ããñ•ã¶ã `ãäÌããä¶ã£ãã¶ã Ñãñ¥ããè Ôãñ ‡ãŠ½ã' `ãäºã¶ãã Àñãä›âØã ÌããÊããè` `‚ãÔãîÞããèØã¦ã'
‡ãŠãè ½ãã¨ãã ¹ãÆãä¦ã¼ãîãä¦ã¾ããñâ ‡ãŠãè ½ãã¨ãã ¹ãÆãä¦ã¼ãîãä¦ã¾ããñâ ‡ãŠãè ½ãã¨ãã ¹ãÆãä¦ã¼ãîãä¦ã¾ããñâ ‡ãŠãè ½ãã¨ãã
No. Gross outstanding Extent of Private Extent of `Below Invest- Extent of `Unrated' Extent of `Unlisted'
Placement ment Grade' Securities * Securities * Securities *
(i) ÔããÌãÕããä¶ã‡ãŠ àãñ¨ã ‡ãŠñ 13945.85 460.15 50.00 54.62 54.62
„¹ã‰ãŠ½ã / PSUs (16315.61) (828.16) (94.00) (137.40) (393.10)
(ii) ãääÌã§ããè¾ã ÔãâÔ©ãã†ú / FIs 1573.83 603.32 496.77 25.09 555.27
(1812.28) (919.29) (456.04) (199.24) (771.04)
(iii) ºãõâ‡ãŠ / Banks 3219.45 1200.67 122.37 25.36 177.78
(3786.33) (2259.57) (158.00) (19.06) (550.00)
(iv) ØãõÀ ÔãÀ‡ãŠãÀãè ‡ãŠãÀ¹ããñÀñ› 6399.74 412.83 156.92 1265.41 1417.44
Private Corporates (5131.00) (653.01) (202.60) (172.80) (92.10)
(v) ‚ã¶ãìÓãâãäØã¾ããúâ/ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ** 4926.23 0.00 0.00 0.00 0.00
Subsidiaries / Joint ventures ** (4383.94) 0.00 0.00 0.00 0.00
(vi) ‚㶾ã / Others 19403.40 358.27 137.60 330.20 232.02
(15370.55) (284.48) (141.00) (51.00) (16.00)
(vii) ½ãîʾãımÔã ‡ãŠñ ãäÊㆠÀŒãã Øã¾ãã ¹ãÆãÌã£ãã¶ã 1624.69 0.00 109.84 75.75 101.17
Provision held towards
depreciation (770.73) 0.00 (45.00) (4.00) (26.00)
¾ããñØã / Total 47843.81 3035.24 853.82 1624.93 2335.96
ãä¹ãœÊãã ÌãÓãÃ/ Previous Year (46028.98) (4944.51) (1006.64) (575.50) (1796.24)
(‡ãŠãñÓŸ‡ãŠãò ½ãò ã䪆 Øㆠ‚ããâ‡ãŠü¡ñ ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ Öö / Figures in brackets are for Previous Year)
* ƒãä‡ã‹Ìã›ãè, ƒãä‡ã‹Ìã›ãè-Ô㽺㮠ãäÊãŒã¦ããò, ‚ãããäÔ¦ã Ôã½ããä©ãæ㠹ãÆãä¦ã¼ãîãä¦ã‡ãðŠ¦ã ãäÊãŒã¦ã, ÔãÀ‡ãŠãÀãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‚ããõÀ ¹ããÔã -©ãÆî-Ôããä›Ããä¹ãŠ‡ãñŠ› ½ãò ãäÌããä¶ã£ãã¶ã ‡ãŠãñ ƒ¶ã Ñãñãä¥ã¾ããò ‡ãñŠ ‚ãâ¦ãØãæ㠃ÔããäÊㆠ‚ãÊãØã-‚ãÊãØã ãäÌã¼ã‡ã‹¦ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ ‡ã‹¾ããòãä‡ãŠ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ
¹ãÆãÔãâãäØã‡ãŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ãâ¦ãØãæ㠄‡ã‹¦ã ½ãªò ¶ãÖãé ‚ãã¦ããè Öõâ.
** ‚ã¶ãìÓãâãäØã¾ããò / Ôãâ¾ãì‡ã‹¦ã „ªá¾ã½ããò ½ãò ãäÌããä¶ã£ãã¶ããò ‡ãŠãñ ãäÌããä¼ã¶¶ã ÌãØããô ½ãò ƒÔããäÊㆠ‚ãÊãØã-‚ãÊãØã ãäÌã¼ã‡ã‹¦ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ ‡ã‹¾ããòãä‡ãŠ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ¹ãÆãÔãâãäØã‡ãŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ãâ¦ãØãæ㠄‡ã‹¦ã ½ãªò ¶ãÖãé ‚ãã¦ããè Ööõ.
* Investment in equity, equity linked instruments, asset backed securitised instruments, Govt. securities and pass through certificates have not been
segregated under these categories as these are not covered under relevant RBI Guidelines.
** Investments in Subsidiaries/Joint Ventures have not been segregated into various categories as these are not covered under relevant RBI Guidelines.

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Œã) ‚ã¶ã•ãÇ㊠ØãõÀ-ÔããâãäÌããä£ã‡ãŠ ÞãÊããä¶ããä£ã ‚ã¶ãì¹ãã¦ã (¶ããù¶ã †Ôã†Êã‚ããÀ) ãäÌããä¶ã£ãã¶ã b) Non Performing Non-SLR Investments
ãääÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Year Previous Year
Opening Balance 225.23 238.42
‚ã©ãÍãñÓã 225.23 238.42 Additions during the year 386.15 24.18
ÌãÓãà ‡ãŠñ ªãõÀã¶ã Ìãðãä® 386.15 24.18 Reductions during the year 13.16 37.37
ÌãÓãà ‡ãŠñ ªãõÀã¶ã ‡ãŠ½ããè 13.16 37.37 Closing balance 598.22 225.23
ƒãä¦ã ÍãñÓã 598.22 225.23 Total provisions held 387.90 201.32
ÀŒãñ Øㆠ‡ãŠìÊã ¹ãÆãÌã£ãã¶ã 387.90 201.32 18.5 Derivatives
a) Forward Rate Agreements / Interest Rate Swaps
18.5 ¡ñÀãèÌãñãä›ÌÔã :
Particulars As at As at
‡ãŠ) Ìãã¾ãªã ªÀ ‡ãŠÀãÀ / º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã 31-Mar-2009 31-Mar-2008
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè i) The notional principal of swap
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ agreements 109,936.12 155,928.42
ii) Losses which would be incurred if
i) ãäÌããä¶ã½ã¾ã ‡ãŠÀãÀãñâ ‡ãŠãè ‚ãã¶ãì½ãããä¶ã‡ãŠ ½ãîÊã ÀããäÍã 109,936.12 155,928.42 counterparties failed to fulfil their
ii) ¹ãÆãä¦ã¹ãàããò ´ãÀã ‡ãŠÀãÀ ‡ãñŠ ‚ã£ããè¶ã ‚ã¹ã¶ãñ ªããä¾ã¦Ìããòò ‡ãŠãñ obligations under the agreements 2,131.06 1,666.30
¹ãîÀã ‡ãŠÀ¶ãñ ½ãò ‚ãÔã¹ãŠÊã Öãñ¶ãñ ¹ãÀ Öãñ¶ãñ ÌããÊããè Öããä¶ã¾ããú 2,131.06 1666.30 iii) Collateral required by the Bank upon
entering into swaps Nil Nil
iii) ãäÌããä¶ã½ã¾ã ½ãò Íãããä½ãÊã Öãñ¶ãñ ¹ãÀ ºãö‡ãŠ ´ãÀã iv) Concentration of credit risk arising from
‚ã¹ãñãäàã¦ã Ôãâ¹ãããäÍÌãÇ㊠ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ the swaps Not significant Not Significant
iv) ãäÌããä¶ã½ã¾ã Ôãñ „ªá¼ãî¦ã ¨ãÉ¥ã-•ããñãäŒã½ã ‡ãŠã ‡ãñŠ¶³ãè‡ãŠÀ¥ã ¶ãØ㥾㠶ãØ㥾ã v) The fair value of the swap book 47.67 160.50
v) ãäÌããä¶ã½ã¾ã - ºãÖãè ‡ãŠã „ãäÞã¦ã ½ãîʾã 47.67 160.50
b) Exchange Traded Interest Rate Derivatives
Œã) ºãã•ããÀ (†‡ã‹ÔãÞãò•ã) ½ãò ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ãä‡ãŠ† Øㆠº¾ãã•ã-ªÀ ¡ñÀãèÌãñãä›ÌÔã
Sr. No. Particulars Current Year Previous Year
‰ãŠ½ã Ôãâ. ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà 1 Notional principal amount of
1 ºãã•ããÀ (†‡ã‹ÔãÞãò•ã) ½ãò ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ãä‡ãŠ† Øㆠº¾ãã•ã-ªÀ exchange traded interest rate
¡ñÀãèÌãñãä›ÌÔã ‡ãŠãè ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ãã¶ãì½ãããä¶ã‡ãŠ ½ãîÊã ÀããäÍã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ derivatives undertaken during the year Nil Nil
2 31½ããÞãà 2009 ‡ãŠãñ ºãã•ããÀ (†‡ã‹ÔãÞãò•ã) ½ãò ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ãä‡ãŠ† 2 Notional principal amount of
exchange traded interest rate
Øㆠº¾ãã•ã-ªÀ ¡ñÀãèÌãñãä›ÌÔã ‡ãŠãè ºã‡ãŠã¾ãã ‚ãã¶ãì½ãããä¶ã‡ãŠ ½ãîÊã ÀããäÍã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ
derivatives outstanding as on
3 ºãã•ããÀ (†‡ã‹ÔãÞãò•ã) ½ãò ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ãä‡ãŠ† Øㆠº¾ãã•ã-ªÀ
31st March 2009 Nil Nil
¡ñÀãèÌãñãä›ÌÔã ‡ãŠãè ‚ãã¶ãì½ãããä¶ã‡ãŠ ½ãîÊã ÀããäÍã •ããñ ºã‡ãŠã¾ãã Öõ ‚ããõÀ 3 Notional principal amount of
"‚㦾ããä£ã‡ãŠ ¹ãƼããÌããè" ¶ãÖãé Öõ ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ exchange traded interest rate
4 ºãã•ããÀ (†‡ã‹ÔãÞãò•ã) ½ãò ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ãä‡ãŠ† Øㆠº¾ãã•ã-ªÀ derivatives outstanding and not
¡ñÀãèÌãñãä›ÌÔã ‡ãŠã ‚ãâãä‡ãŠ¦ã ºãã•ããÀ ½ãîʾ㠕ããñ ºã‡ãŠã¾ãã Öõ ‚ããõÀ “highly effective” Nil Nil
"‚㦾ããä£ã‡ãŠ ¹ãƼããÌããè" ¶ãÖãé Öõ ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ 4 Marked-to-market value of
exchange traded interest rate
Øã) ¡ñÀãèÌãñãä›ÌÔã ½ãò •ããñãäŒã½ã ÌããÊãñ ãä¶ãÌãñÍã ‡ãŠã ¹ãƇ㊛ãè‡ãŠÀ¥ã derivatives outstanding and not
(‡ãŠ) Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã “highly effective” Nil Nil
c) Disclosures on Risk Exposure in Derivatives
i. ºãö‡ãŠ Ìã¦ãýãã¶ã ½ãò ‡ãŠã„â›À ¹ãÀ (‚ããñ›ãèÔããè) º¾ãã•ã ªÀ ‚ããõÀ ½ãì³ã ¡ñÀãèÌãñãä›ÌÔã ‡ãŠã Êãñ¶ãªñ¶ã
(A) Qualitative Disclosure
‡ãŠÀ¦ãã Öõ. ºãö‡ãŠ ´ãÀã ãä•ã¶ã º¾ãã•ã ªÀ ¡ñÀãèÌãñãä›ÌÔã ‡ãŠã Êãñ¶ãªñ¶ã ãä‡ãŠ¾ãã Øã¾ãã „¶ã½ãò, Á¹ã¾ãã
i. The Bank currently deals in over-the-counter (OTC) interest
º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã, ãäÌãªñÍããè ½ãì³ã º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã ‚ããõÀ Ìãã¾ãªã ªÀ ‡ãŠÀãÀ Íãããä½ãÊã rate and currency derivatives. Interest rate derivatives dealt
Öö. ºãö‡ãŠ ´ãÀã ãä•ã¶ã ½ãì³ã ¡ñÀãèÌãñãä›ÌÔã ‡ãŠã Êãñ¶ãªñ¶ã ãä‡ãŠ¾ãã Øã¾ãã „¶ã½ãò, ½ãì³ã ãäÌããä¶ã½ã¾ã, with by the Bank are rupee interest rate swaps, foreign
Á¹ã¾ãã ¡ãÊãÀ ãäÌã‡ãŠÊ¹ã ‚ããõÀ ¹ãÀÔ¹ãÀ-½ãì³ã ãäÌã‡ãŠÊ¹ã Íãããä½ãÊã Öö. ºãö‡ãŠ ‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãŠãñ „¦¹ããªãò currency interest rate swaps and forward rate agreements.
‡ãñŠ ãäÌã‰ãŠ¾ã - ¹ãÆÔ¦ããÌã, „¶ã‡ãñŠ ãä¶ãÌãñÍããò ¹ãÀ ãä¶ã¾ãâ¨ã¥ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠã䪆 •ãã¦ãñ Öö ‚ããõÀ Currency derivatives dealt with by the Bank are currency
swaps, rupee dollar options and cross-currency options. The
ºãö‡ãŠ †ñÔãñ ãä¶ãÌãñÍããò Öñ¦ãì ºãÞããÌã-̾ãÌãÔ©ãã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¡ñÀãèÌãñãä›ÌÔã ÔãâãäÌãªã†ú ãä¶ãÓ¹ããã䪦ã products are offered to the Bank’s customers to manage their
‡ãŠÀ¦ãã Öõ. ºãö‡ãŠ ´ãÀã ¡ñÀãèÌãñãä›ÌÔã ‡ãŠã ¹ãƾããñØ㠉㊾ã-ãäÌã‰ãŠ¾ã ‡ãñŠ Ôãã©ã-Ôãã©ã ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè exposures and the Bank enters into derivatives contracts to
½ãªãò ‡ãñŠ ãäÊㆠºãÞããÌã-̾ãÌãÔ©ãã ‡ãŠÀ¶ãñ Öñ¦ãì ¼ããè ãä‡ãŠ¾ãã •ãã¦ãã Öõ. ºãö‡ãŠ ƒÔã ¹ãƇãŠãÀ ‡ãñŠ Ôãã½ã㶾ã cover such exposures. Derivatives are also used by the Bank
ãäÊãŒã¦ããò ‡ãŠã ¼ããè Êãñ¶ãªñ¶ã ‡ãŠÀ¦ãã Öõ. both for trading as well as hedging on-balance sheet items.
The Bank also deals in a mix of these generic instruments.
ii. ¡ñÀãèÌãñãä›ÌÔã Êãñ¶ãªñ¶ã ½ãò ºãã•ããÀ •ããñãäŒã½ã Íãããä½ãÊã Öö ‚ã©ããæãá º¾ãã•ã ªÀãò/ãäÌããä¶ã½ã¾ã ªÀãò ½ãò ii. Derivative transactions carry market risk i.e. the probable loss
¹ãÆãä¦ã‡ãîŠÊã „¦ããÀ-Þãü¤ãÌã ‡ãñŠ ‡ãŠãÀ¥ã ºãö‡ãŠ ‡ãŠãñ ¼ããäÌãӾ㠽ãò Öããä¶ã „Ÿã¶ããè ¹ãü¡ Ôã‡ãŠ¦ããè Öõ ‚ããõÀ the Bank may incur as a result of adverse movements in
¾ããäª ¹ãÆãä¦ã¹ãàããò ´ãÀã ‚ã¹ã¶ãñ ªããä¾ã¦Ìããòò ‡ãŠãñ ¹ãîÀã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã ¦ããñ ºãö‡ãŠ ‡ãŠãñ ¨ãɥ㠕ããñãäŒã½ã interest rates / exchange rates and credit risk i.e. the probable
‚ã©ããæãá ¼ããäÌãӾ㠽ãò Öããä¶ã „Ÿã¶ããè ¹ãü¡ Ôã‡ãŠ¦ããè Öõ. ºããñ¡Ã ´ãÀã ‚ã¶ãì½ããñã䪦㠺ãö‡ãŠ ‡ãŠãè "¡ñÀãèÌãñãä›ÌÔã loss the Bank may incur if the counterparties fail to meet
their obligations. The Bank’s “Policy for Derivatives” approved
¶ããèãä¦ã" ½ãò ºãã•ããÀ •ããñãäŒã½ã (Öããä¶ã ‡ãŠ½ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÔã¦ã‡ãʦãã ãäºã¶ªì, ‚ããâÀãä¼ã‡ãŠ ÀããäÍã by the Board prescribes the market risk parameters (cut-loss
Ôããè½ãã, ‚ãÌããä£ã, ‚ããÍããñãä£ã¦ã ‚ãÌããä£ã, ¹ããèÌããè 01, ‚ãããäª) ‡ãñŠ ½ãã¶ãªâ¡ ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ† Øㆠtriggers, open position limits, duration, modified duration,
Öö. ƒÔã ¶ããèãä¦ã ‡ãñŠ ‚ãâ¦ãØãæã ØãÆãև㊠¹ãã¨ã¦ãã ½ãã¶ãªâ¡ (¨ãɥ㠹ãã¨ã¦ãã ãä¶ã£ããÃÀ¥ã, ¨ãɥ㠂ãÌããä£ã PV01 etc.) as well as customer eligibility criteria (credit rating,
‚ãããäª) ¼ããè ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ† ØㆠÖö. ¹ãÆãä¦ã¹ãàããò ´ãÀã ƒ¶ã ½ãã¶ãªâ¡ãò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ, ºã㣾ã¦ãã‚ããò tenure of relationship etc.) for entering into derivative
transactions.Credit risk is controlled by entering into derivative
‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãŠãè àã½ã¦ãã ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¦ãñ Öì† Ôã½ãìãäÞã¦ã ¨ãÉ¥ã -Ôããè½ãã ãä¶ã£ããÃãäÀ¦ã ‡ãŠÀ¶ãñ transactions only with counterparties in respect of whom
¦ã©ãã ¹ãÆãä¦ã¹ãàããò Ôãñ ¡ñÀãèÌãñãä›Ìã Êãñ¶ãªñ¶ã ‡ãŠÀ‡ãñŠ ¨ãɥ㠕ããñãäŒã½ã ¹ãÀ ãä¶ã¾ãâ¨ã¥ã ãä‡ãŠ¾ãã •ãã¦ãã appropriate limits are set for taking into account their ability
Öõ. ºãö‡ãŠ ¹ãƦ¾ãñ‡ãŠ ¹ãÆãä¦ã¹ãàã ‡ãñŠ Ôãã©ã ‚ãテÔã¡ãè† ‡ãŠÀãÀ ‡ãŠÀ¦ãã Öõ. to honour obligations.The Bank enters into ISDA agreements
with each counterparty.
iii. ƒ¶ã •ããñãäŒã½ããò ‡ãñŠ ‡ãìŠÍãÊã ¹ãƺãâ£ã¶ã ¹ãÀ ºãö‡ãŠ ‡ãŠãè ‚ãããäÔ¦ã-ªñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã (††ÊãÔããè‚ããñ)
iii. The Asset Liability Management Committee (ALCO) of the
ãä¶ãØãÀã¶ããè ÀŒã¦ããè Öõ. ºãö‡ãŠ ‡ãŠã ºãã•ããÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ãäÌã¼ããØã (†½ã‚ããÀ†½ã¡ãè), ¡ñÀãèÌãñãä›Ìã Bank oversees efficient management of these risks. The Bank’s
Êãñ¶ãªñ¶ã Ôãñ Ô㽺㮠ºãã•ããÀ •ããñãäŒã½ã ‡ãŠã ÔÌã¦ãâ¨ã ¹ã Ôãñ ‚ããä¼ããä¶ã£ããÃÀ¥ã, ‚ãã‡ãŠÊã¶ã ‚ããõÀ Market Risk Management Department (MRMD), independently
‚ã¶ãìÌã¦ãö㠇ãŠÀ¦ãã Öõ, ƒ¶ã •ããñãäŒã½ããò ‡ãŠãñ ãä¶ã¾ãâãä¨ã¦ã †Ìãâ ¶¾ãî¶ããè‡ãðŠ¦ã ‡ãŠÀ¶ãñ ½ãò ‚ãããäԦ㠪ñ¾ã¦ãã identifies measures and monitors market risk associated with
¹ãƺãâ£ã¶ã Ôããä½ããä¦ã (††ÊãÔããè‚ããñ) ‡ãŠãè ÔãÖã¾ã¦ãã ‡ãŠÀ¦ãã Öõ ¦ã©ãã ºããñ¡Ã ‡ãŠãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã derivative transactions, assists ALCO in controlling and
managing these risks and reports compliance with policy
Ôããä½ããä¦ã (‚ããÀ†½ãÔããèºããè) ‡ãŠãñ ¶ããèãä¦ãØã¦ã „¹ãã¾ã Ôãì¢ãã¶ãñ ‡ãñŠ Ôãã©ã-Ôãã©ã ãä¶ã¾ããä½ã¦ã ‚ãâ¦ãÀãÊã ¹ãÀ prescriptions to the Risk Management Committee of the Board
‚ã¶ãì¹ããÊã¶ã ãäÀ¹ããñ›Ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãã Öõ. (RMCB) at regular intervals.
iv. ¡ñÀãèÌãñãä›ÌÔã ‡ãŠñ ãäÊㆠÊãñŒãã ¶ããèãä¦ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ iv. The accounting policy for derivatives has been drawn-up in
¦ãõ¾ããÀ ‡ãŠãè ØãƒÃ Öõ, ãä•ãÔã‡ãŠã º¾ããñÀã ãäÌã§ã ÌãÓãà 2008-09 ‡ãŠãè ¹ãƽãìŒã ÊãñŒãã ¶ããèãä¦ã accordance with RBI guidelines, the details of which are
presented under Schedule 17: Principal Accounting Policy
(¹ãã膹ããè) : ‚ã¶ãìÔãîÞããè 17 ½ãò ã䪾ãã Øã¾ãã Öõ. (PAP) for the financial year 2008-09.

136

C136 K136
Œã) ½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã : B) Quantitative Disclosures :

‰ãŠ½ã Ôãâ. ãäÌãÌãÀ¥ã ½ãì³ã ¡ñÀãèÌãñãä›ÌÔã º¾ãã•ã ªÀ ¡ñÀãèÌãñãä›ÌÔã

Sr. No. Particulars Currency Derivatives Interest Rate Derivatives
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
Current Year Previous Year Current Year Previous Year
(i) ¡ñÀãèÌãñãä›ÌÔã (‚ãã¶ãì½ãããä¶ã‡ãŠ ½ãîÊã ÀããäÍã)
Derivatives (Notional Principal Amount)
‡ãŠ/a) ºãÞããÌã-̾ãÌãÔ©ãã ‡ãñŠ ãäÊㆠ/ For hedging 4,075.20 1,631.21 14,197.35 11,201.98
Œã/b) ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ‡ãñŠ ãäÊㆠ/ For trading 111,307.23 214,446.76 93,493.15 144,726.44
(ii) ºãã•ããÀ ‡ãñŠ ºãÖãè- ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã
Marked to Market Positions
‡ãŠ/a) ‚ãããäÔ¦ã / Asset 15,041.54 3,705.16 1,333.78 414.73
Œã/b) ªñ¾ã¦ãã / Liability 94.67 37.43 338.92 463.89
(iii) ¨ãɥ㠕ããñãäŒã½ã / Credit Exposure 20,205.45 10,574.55 3,715.10 2,671.73
(iv) º¾ãã•ã ªÀ (100* ¹ããèÌããè 01)
½ãò †‡ãŠ ¹ãÆãä¦ãÍã¦ã ¹ããäÀÌã¦ãö㠇ãŠã Ôãâ¼ãã̾㠹ãƼããÌã
Likely impact of one percentage change
in interest rate (100* PV01)
‡ãŠ/a) ºãÞããÌã-̾ãÌãÔ©ãã ¡ñÀãèÌãñãä›ÌÔã ¹ãÀ / on hedging derivatives -44.74 -11.56 -23.33 205.32
Œã/b) ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ¡ñÀãèÌãñãä›ÌÔã ¹ãÀ / on trading derivatives -0.53 63.03 13.51 20.52
v) ÌãÓãà ‡ãñŠ ªãõÀã¶ã 100* ¹ããèÌããè 01 ‡ãŠã ‚ããä£ã‡ãŠ¦ã½ã †Ìãâ ¶¾ãî¶ã¦ã½ã
Maximum and Minimum of 100* PV 01
observed during the year
‡ãŠ/a) ºãÞããÌã-̾ãÌãÔ©ãã ¹ãÀ / on hedging 5.23 †Ìãâ/& -62.92 -7.45 †Ìãâ/& -13.32 12.19 †Ìãâ/& -44.57 231.79 †Ìãâ/& 89.36
Œã/b) ‰ãŠ¾ã-ãäÌã‰ãŠ¾ã ¹ãÀ / on trading -0.09 †Ìãâ/& -0.36 94.57 †Ìãâ/& 3.99 20.63 †Ìãâ/& -0.40 42.65 †Ìãâ/&1.75

Üã) ºãö‡ãŠ ‡ãŠãñ Á. 455.64 ‡ãŠÀãñü¡ ÀããäÍã ‡ãŠãè ºã‡ãŠã¾ãã ¡ñÀãèÌãñãä›Ìã ÔãâãäÌãªã‚ããò ¹ãÀ ºãÖãè ½ãò ºãã•ããÀ ½ãîʾã d) The Bank has suffered Marked to Market loss on the outstanding
¹ãÀ ‚ãâ‡ãŠ¶ã ‡ãñŠ ‡ãŠãÀ¥ã Öããä¶ã ÖìƒÃ. ºãö‡ãŠ ‡ãŠãñ ƒÔããè ‚ãÌããä£ã ½ãò Á. 481.21 ‡ãŠÀãñü¡ ÀããäÍã ‡ãñŠ ¡ñÀãèÌãñãä›Ìã Derivative contracts to the extent of Rs. 455.64 crores. In
Êãñ¶ã-ªñ¶ã ¹ãÀ †‡ã‹ÔãÞãò•ã ‚ããõÀ ‚㶾㠂ãã¾ã ‡ãŠãè ¹ãÆãã书ã ÖìƒÃ. ¡ñÀãèÌãñãä›Ìã Êãñ¶ã-ªñ¶ã ‡ãñŠ ‡ãŠãÀ¥ã ºãö‡ãŠ the same period Bank has booked exchange and other income
‡ãñŠ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò ãäÌã§ã ÌãÓãà 2008-09 ‡ãñŠ ãäÊㆠÁ. 25.57 ‡ãŠÀãñü¡ ‡ãñŠ ¹㠽ãò on derivative transactions to the tune of Rs. 481.21 crores.
ãä¶ãÌãÊã ¹ãƼããÌã ¹ãü¡ã. Net impact on Profit & Loss of the Bank on account of derivative
transactions is Rs. 25.57 crores as profit for the financial
Ý) •ãÖãú ‚ãâ¦ããä¶ãÃãÖä ¦ã ‚ãããäÔ¦ã¾ããò/ªñ¾ã¦ãã‚ããò ‡ãŠãñ ºãã•ããÀ-ºãÖãè ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ ‚ãâã‡ä ㊦㠶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ
year 2008-09.
„¶ã‡ãŠã ½ãîʾã Á. 19897.28 ‡ãŠÀãñ¡ü (ãä¹ãœÊãñ ÌãÓãà Á. 12833.19 ‡ãŠÀãñ¡ü ) Öõ ÌãÖãú ¡ñÀãèÌãñã›ä ÌÔã
e) The outstanding derivatives used for hedging where the underlying
‡ãŠã ºãÞããÌã-̾ãÌãÔ©ãã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ„¹ã¾ããñØã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ƒÔã ¡ñÀãèÌãñã›ä ÌÔã ¹ããñ›¹Ã ãŠãñãÊä ã¾ããñ
assets/liabilities have not been marked to market amounts to
‡ãñŠ ºãã•ããÀ-ºãÖãè ½ãîʾ㠽ãò ‡ãŠãñƒÃ Öããä¶ã ¶ãÖãé ÖìƒÃ (ãä¹ãœÊãñ ÌãÓãà ¼ããè ‡ãŠãñƒÃ Öããä¶ã ¶ãÖãé ÖìƒÃ ©ããè). Rs. 19897.28 crores (Previous Year Rs. 12833.19 crores) and there
18.6 ‚ãããäÔ¦ã - Øãì¥ãÌã§ãã is no loss (Previous Year No Loss) in the mark to market value
(‡ãŠ) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ of this derivative portfolio.
18.6 Asset Quality
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 31 ½ããÞãà 2008
‡ãŠãè ãäÔ©ããä¦ã ‡ãŠãè ãäÔ©ããä¦ã a) Non-Performing Asset
‡ãñŠ ‚ã¶ãìÔããÀ ‡ãñŠ ‚ã¶ãìÔããÀ Particulars As at As at
i) ‡ãìŠÊã ‚ããäØãƽããñâ ½ãò ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããú (%) 1.76% 1.78% 31-Mar-2009 31-Mar-2008
ii) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ½ãò „¦ããÀ-Þãü¤ãÌã (‡ãìŠÊã) i) Net NPAs to Net Advances (%) 1.76% 1.78%
(‡ãŠ) ‚ã©ãÍãñÓã 12837.34 9998.22 ii) Movement of NPAs (Gross)
(Œã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ìãðãä® 11014.81 7899.04 (a) Opening balance 12837.34 9998.22
(b) Additions during the year 11014.81 7899.04
(Øã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ãŠ½ããè 8263.55 5059.92
(c) Reductions during the year 8263.55 5059.92
(Üã) ƒãä¦ã ÍãñÓã 15588.60 12837.34
(d) Closing balance 15588.60 12837.34
iii) ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ½ãò „¦ããÀ-Þãü¤ãÌã iii) Movement of Net NPAs
(‡ãŠ) ‚ã©ã ÍãñÓã 7424.33 5257.72 (a) Opening balance 7424.33 5257.72
(Œã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ìãðãä® 6736.85 5063.06 (b) Additions during the year 6736.85 5063.06
(Øã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ãŠ½ããè 4609.16 2896.45 (c) Reductions during the year 4609.16 2896.45
(Üã) ƒãä¦ã ÍãñÓã 9552.02 7424.33 (d) Closing balance 9552.02 7424.33
iv) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ½ãò „¦ããÀ-Þãü¤ãÌã iv) Movement of provisions for NPAs
(‡ãŠ) ‚ã©ã ÍãñÓã 5413.01 4740.50 (a) Opening balance 5413.01 4740.50
(Œã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã 4277.96 2835.98 (b) Provisions made during the year 4277.96 2835.98
(Øã) ‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãÌã£ãã¶ããò ‡ãŠã ‚ã¹ãÊãñŒã¶ã / ¹ãÆãä¦ãÊãñŒã¶ã 3654.39 2163.47 (c) Write-off / write-back of excess provisions 3654.39 2163.47
(Üã) ƒãä¦ã ÍãñÓã 6036.58 5413.01 (d) Closing balance 6036.58 5413.01

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 Œã) ¹ãì¶ãÔãÄÀÞã¶ãã ‡ãñŠ ‚ã£ããè¶ã ¨ãɥ㠂ãããäÔ¦ã¾ããò ‡ãŠã º¾ããñÀã
b) Details of Loan Assets subjected to Restructuring
I. 1 ‚ã¹ãÆõÊã 2008 Ôãñ 27 ‚ãØãÔ¦ã 2008 ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ¹ãì¶ãÔãÄÀÞã¶ãã, ¹ãì¶ããä¶ããããÃÀ¥ã, ¹ãì¶ã:¹ãÀ‰ãŠã½ã¥ã ‚ã£ããè¶ã ¨ãɥ㠂ãããäÔ¦ã¾ããú
Loan Assets subjected to restructuring, rescheduling & renegotiation during the period from 1st April 2008 to 27th August 2008
ãäÌãÌãÀ¥ã/ Particulars ‡ãŠãÀ¹ããñÀñ› ¨ãɥ㠹ãì¶ãÔãÄÀÞã¶ãã ÊãÜãì ‚ããõÀ ½ã£¾ã½ã Ôããè¡ãè‚ããÀ ‚ããõÀ †ÔㆽãƒÃ ¾ããñØã
(Ôããè¡ãè‚ããÀ) ¾ããñ•ã¶ãã „²ã½ã ¾ããñ•ã¶ãã ‡ãñŠ ‚ã£ããè¶ã (Œã) ¾ããñ•ã¶ãã ‡ãñŠ ‚ãÊããÌãã (Øã) Total
‡ãñŠ ‚ã£ããè¶ã (‡ãŠ ) Under Small & Other than under ‡ãŠ + Œã + Øã
Under Corporate Medium CDR & SME A+B+C
Debt Restructuring Enterprises Scheme(C)
(CDR) Scheme (A) Scheme (B)
i) ¹ãì¶ãÔãÄÀÞã¶ãã, ¹ãì¶ããä¶ããããÃÀ¥ã, ¹ãì¶ã:¹ãÀ‰ãŠã½ã¥ã
‚ã£ããè¶ã ¨ãɥ㠂ãããäÔ¦ã¾ããò ‡ãŠãè ‡ãìŠÊã ÀããäÍã
Total amount of loan assets subjected
to restructuring, rescheduling, 367.01 91.83 1574.67 2033.51
renegotiation (322.54) (52.89) (1045.97) (1421.40)
(ii) ¹ãì¶ãÔãÄÀÞã¶ãã, ¹ãì¶ããä¶ããããÃÀ¥ã, ¹ãì¶ã:¹ãÀ‰ãŠã½ã¥ã
‚ã£ããè¶ã ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãŠãè ÀããäÍã
The amount of Standard Assets
subjected to restructuring, rescheduling, 352.42 91.11 1571.74 2015.27
renegotiation (288.53) (18.88) (1019.45) (1326.86)
(iii) ¹ãì¶ãÔãÄÀÞã¶ãã, ¹ãì¶ããä¶ããããÃÀ¥ã,
¹ãì¶ã: ¹ãÀ‰ãŠã½ã¥ã ‚ã£ããè¶ã ‚ãÌã½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãŠãè ÀããäÍã
The amount of Sub-Standard Assets
subjected to restructuring, rescheduling, 14.59 0.05 2.92 17.56
renegotiation (26.09) (0.04) (26.02) (52.15)
(iv) ¹ãì¶ãÔãÄÀÞã¶ãã, ¹ãì¶ããä¶ããããÃÀ¥ã,
¹ãì¶ã: ¹ãÀ‰ãŠã½ã¥ã ‚ã£ããè¶ã ÔãâãäªØ£ã ‚ãããäÔ¦ã¾ããò ‡ãŠãè ÀããäÍã
The amount of Doubtful Assets
subjected to restructuring, rescheduling, 0 0.67 0.01 0.68
renegotiation (7.92) (33.97) (0.50) (42.39)

II. (i) 28 ‚ãØãÔ¦ã 2008 Ôãñ 31 ½ããÞãà 2009 ¦ã‡ãŠ ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ¹ãì¶ãÔãÄÀÞã¶ãã, ¹ãì¶ããä¶ããããÃÀ¥ã, ‚ããõÀ ¹ãì¶ã:¹ãÀ‰ãŠã½ã¥ã ‡ãñŠ ‚ã£ããè¶ã
Loan Assets subjected to restructuring, rescheduling & renegotiation during the period from 28th August 2008 to 31st March 2009
ãäÌãÌãÀ¥ã ãäÌãÌãÀ¥ã Ôããè¡ãè‚ããÀ ̾ãÌãÔ©ãã †ÔㆽãƒÃ ¨ãɥ㠹ãì¶ãÔãÄÀÞã¶ã㠂㶾㠾ããñØã
Particulars Particulars CDR Mechanism SME Debt Others Total
Restructuring
¹ãì¶ãÔãÄÀÞã¶ããØã¦ã ½ãã¶ã‡ãŠ ‚ããäØãƽ㠄£ããÀ‡ãŠ§ããÂããò ‡ãŠãè Ôãâ.
Standard advances No. of Borrowers 29 6355 30859 37243
restructured ºã‡ãŠã¾ãã ÀããäÍã
Amount outstanding 285.01 1290.50 9201.83 10777.34
„¦Ôã•ãöã („ãäÞã¦ã ½ãîʾ㠽ãò ımg)
Sacrifice (diminution
in the fair value) 22.09 20.87 155.73 198.69
¹ãì¶ãÔãÄÀÞã¶ããØã¦ã ‚ãÌã½ãã¶ã‡ãŠ ‚ããäØãƽ㠄£ããÀ‡ãŠ§ããÂããò ‡ãŠãè Ôãâ.
Sub standard advances No. of Borrowers 3 184 1473 1660
restructured ºã‡ãŠã¾ãã ÀããäÍã
Amount outstanding 15.06 53.87 81.35 150.28
„¦Ôã•ãöã („ãäÞã¦ã ½ãîʾ㠽ãò ımg)
Sacrifice (diminution
in the fair value) 0 0.82 2.34 3.16
¹ãì¶ãÔãÄÀÞã¶ããØã¦ã ÔãâãäªØ£ã ‚ããäØãƽ㠄£ããÀ‡ãŠ§ããÂããò ‡ãŠãè Ôãâ.
Doubtful advances No. of Borrowers 0 5 214 219
restructured ºã‡ãŠã¾ãã ÀããäÍã
Amount outstanding 0 1.96 72.17 74.13
Sacrifice (diminution
„¦Ôã•ãöã („ãäÞã¦ã ½ãîʾ㠽ãò ımg)
in the fair value) 0 0.21 3.09 3.30
¾ããñØã TOTAL „£ããÀ‡ãŠ§ããÂããò ‡ãŠãè Ôãâ.
No. of Borrowers 32 6544 32546 39122
ºã‡ãŠã¾ãã ÀããäÍã
Amount outstanding 300.07 1346.33 9355.35 11001.75
„¦Ôã•ãöã („ãäÞã¦ã ½ãîʾ㠽ãò ımg)
Sacrifice (diminution
in the fair value) 22.09 21.90 161.16 205.15

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(ii). ¹ãì¶ãÔãÄÀãäÞã¦ã Œãã¦ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ‚ããä¦ããäÀ‡ã‹¦ã ¹ãƇ㊛ãè‡ãŠÀ¥ã *:-
(ii). Additional disclosure regarding restructured accounts*:-
‰ãŠ½ã Ôãâ. ¹ãƇ㊛ãè‡ãŠÀ¥ã Ôã⌾ãã ÀããäÍã
Sr. No. Disclosures Number Amount
1 „¶ã Œãã¦ããò, •ããñ 1 ãäÔã¦ã½ºãÀ 2008 ‡ãŠãñ ½ãã¶ã‡ãŠ ©ãñ, ‡ãñŠ ãäÊㆠ31½ããÞãà 2009 ¦ã‡ãŠ ¹ãì¶ãÔãÄÀÞã¶ãã ‡ãñŠ ãäÊㆠ¹ãÆ㹦㠂ããÌãñª¶ã
Application received up to March 31, 2009 for restructuring, in respect of
accounts which were standard as on September 1, 2008. 43290 21792.86
2 (1) ‡ãñŠ ¹ãÆÔ¦ããÌã 31 ½ããÞãà 2009 ‡ãŠãñ ‚ã¶ãì½ããñã䪦㠆Ìãâ ‡ãŠã¾ããÃãä¶Ìã¦ã ãä‡ãŠ† Øㆠ‚ããõÀ ƒÔã ¹ãƇãŠãÀ ãäÌãÍãñÓã ãäÌããä¶ã¾ãã½ã‡ãŠ ‡ãŠãÀÃÌããƒÃ ‡ãñŠ ¾ããñؾã Öãñ
Øㆠ¦ã©ãã ¦ãìÊã¶ã¹ã¨ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ „¶ã‡ãŠã ÌãØããê‡ãŠÀ¥ã ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹㠽ãò ãä‡ãŠ¾ãã Øã¾ãã
Of (1), proposals approved and implemented as on March 31, 2009 and
thus became eligible for special regulatory treatment and classified as
standard assets as on the date of the balance sheet. 37243 10777.34
3 (1) ‡ãñŠ ¹ãÆÔ¦ããÌã 31 ½ããÞãà 2009 ‡ãŠãñ ‚ã¶ãì½ããñã䪦㠆Ìãâ ‡ãŠã¾ããÃãä¶Ìã¦ã ãä‡ãŠ† Øㆠãä‡ãŠ¶¦ãì „¶Öò ½ãã¶ã‡ãŠ Ñãñ¥ããè ½ãò Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã •ãã Ôã‡ãŠã
Of (1), proposals approved and implemented as on March 31, 2009 but
could not be upgraded to the standard category. 1128 64.36
4 (1) ‡ãñŠ ¹ãÆãä‰ãŠ¾ãã/‡ãŠã¾ããöÌã¾ã¶ã ‡ãñŠ ‚ã£ããè¶ã ¹ãÆÔ¦ããÌã, •ããñ 31 ½ããÞãà 2009 ‡ãŠãñ ½ãã¶ã‡ãŠ ©ãñ
Of (1), proposals under process/ implementation which were
standard as on March 31, 2009. 3270 8786.69
5 (1) ‡ãñŠ ¹ãÆãä‰ãŠ¾ãã/‡ãŠã¾ããöÌã¾ã¶ã ‡ãñŠ ‚ã£ããè¶ã ¹ãÆÔ¦ããÌã •ããñ 31 ½ããÞãà 2009 ‡ãŠãñ ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããú Öãñ Øã†, ãä‡ãŠ¶¦ãì ¹ãõ‡ãñŠ•ã ‡ãñŠ ¹ãî¥ãà ‡ãŠã¾ããöÌã¾ã¶ã
¹ãÀ „¶ã‡ãŠã ÌãØããê‡ãŠÀ¥ã ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ¹㠽ãò ãä‡ãŠ† •ãã¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõ
Of (1), proposals under process/ implementation which turned
NPA as on March 31, 2009 but are expected to be classified as
standard assets on full implementation of the package. 1649 2164.47

*(•ãõÔãã ãä‡ãŠ ¹ãƺãâ£ã¶ã ´ãÀã Ôãâ‡ãŠãäÊã¦ã ãä‡ãŠ¾ãã Øã¾ãã ‚ããõÀ ÊãñŒãã¹ãÀãèàã‡ãŠãò ´ãÀã ÔÌããè‡ãŠãÀ ãä‡ãŠ¾ãã Øã¾ãã)
*(as compiled by management and relied upon by the auditors)

Øã) ‚ãããäԦ㠹ãì¶ããä¶ãýããå㠇ãñŠ ãäÊㆠ¹ãÆãä¦ã¼ãîãä¦ã‡ãŠÀ¥ã ‡ã⊹ã¶ããè (†ÔãÔããè) / ¹ãì¶ããä¶ãýããå㠇ã⊹ã¶ããè (‚ããÀÔããè) ‡ãŠãñ c) Details of financial assets sold to Securitisation Company (SC) /
ãäºã‰ãŠãè ‡ãŠãè ØãƒÃ ãäÌã§ããè¾ã ‚ãããäÔ¦ã¾ããò ‡ãŠã º¾ããñÀã Reconstruction Company (RC) for Asset Reconstruction
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Year Previous Year
i) No. of Accounts 5 2
i) Œãã¦ããò ‡ãŠãè Ôã⌾ãã 5 2
ii) ¹ãÆãä¦ã¼ãîãä¦ã‡ãŠÀ¥ã ‡ã⊹ã¶ããè / ¹ãì¶ããä¶ãýããå㠇ã⊹ã¶ããè (†ÔãÔããè/‚ããÀÔããè) ‡ãŠãñ ii) Aggregate value (net of provisions)
of accounts sold to SC/RC 15.20 16.61
ãäºã‰ãŠãè ãä‡ãŠ† ØㆠŒãã¦ããñâ ‡ãŠã ‡ãìŠÊã ½ãîʾã (¹ãÆãÌã£ãã¶ã Üã›ã‡ãŠÀ) 15.20 16.61
iii) Ôã½ãØãÆ ¹ãÆãä¦ã¹ãŠÊã 92.93* 19.87 iii) Aggregate consideration 92.93* 19.87
iv) ¹ãîÌãÃÌã¦ããê ÌãÓããô ½ãò ‚ãâ¦ããäÀ¦ã Œãã¦ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ¹ãÆ㹦ã iv) Additional consideration realized in
‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãä¦ã¹ãŠÊã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ respect of accounts transferred in earlier years Nil Nil
v) ãä¶ãÌãÊã ºãÖãè ½ãîʾã Ôãñ ‚ããä£ã‡ãŠ ‡ãìŠÊã Êãã¼ã / (Öããä¶ã) 77.73 3.26 v) Aggregate gain / (loss) over net book value 77.73 3.26

Üã) ‰ãŠ¾ã ‡ãŠãè ØãƒÃ ‚ã¶ã•ãÇ㊠ãäÌã§ããè¾ã ‚ãããäÔ¦ã¾ããò ‡ãŠã º¾ããñÀã: d) Details of non-performing financial assets purchased:
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Year Previous Year
1) (‡ãŠ) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‰ãŠ¾ã ãä‡ãŠ† ØㆠŒãã¦ããò ‡ãŠãè Ôãâ. ãä¶ãÀâ‡ãŠ 1 1) (a) No. of Accounts purchased
(Œã) ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã ãä¶ãÀâ‡ãŠ 6.35 during the year Nil 1
2) (‡ãŠ) ƒ¶ã½ãò Ôãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ãì¶ãÔãÄÀÞã¶ããØã¦ã Œãã¦ããò ‡ãŠãè Ôã⌾ãã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ (b) Aggregate outstanding Nil 6.35
(Œã) ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ 2) (a) Of these, number of accounts
restructured during the year Nil Nil
Ý) ãäºã‰ãŠãè ‡ãŠãè ØãƒÃ ‚ã¶ã•ãÇ㊠ãäÌã§ããè¾ã ‚ãããäÔ¦ã¾ããò ‡ãŠã º¾ããñÀã:
(b) Aggregate outstanding Nil Nil
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
1) ãäºã‰ãŠãè ãä‡ãŠ† ØㆠŒãã¦ããò ‡ãŠãè Ôãâ. 5 2 e) Details of non-performing financial assets sold:
2) ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã 288.77 25.22 Particulars Current Year Previous Year
3) ¹ãÆ㹦ã Ôã½ãØãÆ ¹ãÆãä¦ã¹ãŠÊã 92.93* 19.87 1) No. of Accounts sold 5 2
2) Aggregate outstanding 288.77 25.22
*¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ Á.1/- ¹ãÀ ‚ãâãä‡ãŠ¦ã Á. 34.75 ‡ãŠÀãñü¡ ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã ÀÔããèªò
ƒÔã½ãò Íãããä½ãÊã ¶ãÖãé Öö. 3) Aggregate consideration received 92.93* 19.87
Þã) ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãÌã£ãã¶ã : * Does not include Security Receipts of Rs. 34.75 crores recognised at
ºãö‡ãŠ ´ãÀã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò (¹ãì¶ãÔãÄÀÞã¶ããØã¦ã ½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò Re 1/- in accordance with RBI guidelines.
‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ÔããäÖ¦ã) ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã ¹ãÆãÌã£ãã¶ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ : f) Provision on Standard Assets:
The Provision on Standard Assets held by the Bank in accordance with RBI
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 31 ½ããÞãà 2008 guidelines is as under:
‡ãŠãè ãäÔ©ããä¦ã ‡ãŠãè ãäÔ©ããä¦ã Particulars As at As at
‡ãñŠ ‚ã¶ãìÔããÀ ‡ãñŠ ‚ã¶ãìÔããÀ 31-Mar-2009 31-Mar-2008
½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã 2245.14* 1981.62 Provision towards Standard Assets 2245.14* 1981.62
* ƒÔã½ãò ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ ‡ãŠãÀ¥ã ‚ãâ¦ããäÀ¦ã Á.59.50 ‡ãŠÀãñ¡ü ‡ãŠãè ÀããäÍã Íãããä½ãÊã * Includes Rs. 59.49 crores transferred on acquisition of eSBS.Excludes
Öõ. ƒÔã½ãò ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãäÌãªñÍã ãäÔ£ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ãäÊㆠãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã ‡ãŠãè Á. 30.79 ‡ãŠÀãñ¡ü ‡ãŠãè Rs. 30.79 crores made for Foreign offices during current year.
ÀããäÍã Íãããä½ãÊã ¶ãÖãé Öõ.

139

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œ) ̾ãÌãÔãã¾ã ‚ã¶ãì¹ãã¦ã : g) Business Ratios
Particulars Current Year Previous Year
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
i. Interest Income as a percentage to
i. ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã¾ããò ‡ãŠãè ¦ãìÊã¶ãã ½ãò º¾ãã•ã ‚ãã¾ã ‡ãŠã ¹ãÆãä¦ãÍã¦ã 7.29% 7.32% Working Funds 7.29 % 7.32%
ii. ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã¾ããò ‡ãŠãè ¦ãìÊã¶ãã ½ãò º¾ãã•ãñ¦ãÀ ‚ãã¾ã ‡ãŠã ¹ãÆãä¦ãÍã¦ã 1.45% 1.30% ii. Non-interest income as a percentage to
Working Funds 1.45 % 1.30%
iii. ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã¾ããò ‡ãŠãè ¦ãìÊã¶ãã ½ãò ¹ããäÀÞããÊã¶ã Êãã¼ã ‡ãŠã ¹ãÆãä¦ãÍã¦ã 2.05% 1.96%
iii. Operating Profit as a percentage to
iv. ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãä¦ãÊãã¼ã 1.04% 1.01% Working Funds 2.05 % 1.96%
v. ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè ̾ãÌãÔãã¾ã (•ã½ããÀããäÍã¾ããú †Ìãâ iv. Return on Assets 1.04 % 1.01%
v. Business (Deposits plus advances)
‚ããäØãƽ㠕ããñü¡‡ãŠÀ) (Á. Ö•ããÀ ½ãò) 55600 45600
per employee (Rs. in thousands) 55600 45600
vi. ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè Êãã¼ã (Á. Ö•ããÀ ½ãò) 473.77 372.57 vi. Profit per employee (Rs. in thousands) 473.77 372.57

•ã) ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã : 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠãè ‡ã슜 ½ãªãò ‡ãŠãè ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãŠã ÔÌã¹ã
h) Asset Liability Management : Maturity pattern of certain items of assets and liabilities as at 31st March 2009.
14 ã䪶㠦ã‡ãŠ 15 Ôãñ 28 ã䪶ã 29 ã䪶ã Ôãñ 3 ½ããÔã 3 ½ããÔã Ôãñ ‚ããä£ã‡ãŠ 6 ½ããÔã Ôãñ ‚ããä£ã‡ãŠ 1 ÌãÓãà Ôãñ ‚ããä£ã‡ãŠ 3 ÌãÓãà Ôãñ ‚ããä£ã‡ãŠ 5 ÌãÓãà Ôãñ ‚ããä£ã‡ãŠ ¾ããñØã
Upto 14 days 15 to 28 days 29 days to ãä‡ã⊦ãì 6 ½ããÔã ¦ã‡ãŠ ãä‡ã⊦ãìì 1 ÌãÓãà ¦ã‡ãŠ ãä‡ã⊦ãì 3 ÌãÓãà ¦ã‡ãŠ ãä‡ã⊦ãìì 5 ÌãÓãà ¦ã‡ãŠ Over 5 years TOTAL
3 months Over 3 months Over 6 months Over 1 year & Over 3 years &
& upto 6 months & upto 1 year upto 3 years upto 5 years
•ã½ããÀããäÍã¾ããú
Deposits 83690.40 14592.93 37853.31 56627.41 86114.19 181909.61 102864.77 178420.51 742073.13
(66386.15) (6317.86) (22983.65) (25871.69) (36525.64) (118495.71) (93357.76) (167465.48) (537403.94)
‚ããäØãƽã
Advances 87221.68 8026.04 33299.25 26620.89 19452.19 240706.90 42276.20 84900.05 542503.20
(78308.83) (12467.60) (12966.63) (11380.72) (15298.44) (168907.79) (43212.08) (74226.11) (416768.20)
ãäÌããä¶ã£ãã¶ã
Investments 18024.74 4494.75 21733.42 7848.99 6777.18 32238.61 60331.76 124504.50 275953.95
(83.68) (1325.32) (3729.36) (5208.98) (6274.24) (38455.91) (33888.13) (100535.65) (189501.27)
„£ããÀ-ÀããäÍã¾ããú
Borrowings 12362.18 5531.82 10490.96 8523.60 4384.83 9173.88 3052.88 193.53 53713.68
(11629.39) (5726.92) (15887.11) (4142.76) (7130.49) (5860.76) (771.99) (577.99) (51727.41)
ãäÌãªñÍããè ½ãì³ã ‚ãããäÔ¦ã¾ããú
Foreign 28940.13 7332.46 29855.55 19109.41 5943.45 17732.69 11663.61 11379.36 131956.66
Curency Assets (29826.39) (9739.96) (4285.54) (4120.29) (4406.49) (8034.06) (7861.81) (11056.80) (79331.34)
ãääÌãªñÍããè ½ãì³ã ªñ¾ã¦ãã†ú
Foreign Currency 31287.61 9152.31 14704.28 15303.09 14831.34 17878.41 6550.34 1677.01 111384.39
Liabilties (16335.17) (8157.90) (17578.48) (7513.62) (13431.40) (11628.58) (2603.73) (1301.36) (78550.24)
(‡ãŠãñÓŸ‡ãŠãò ½ãò ã䪆 Øㆠ‚ããâ‡ãŠü¡ñ 31 ½ããÞãà 2008 ‡ãñŠ Öö )
(Figures in brackets are as at 31st March 2008)

18.7 ¨ãÉ¥ã-•ããñãäŒã½ã Ôãñ Ôãâºãâãä£ã¦ã àãñ¨ã 18.7 Exposures

ºãö‡ãŠ „¶ã àãñ¨ããò ‡ãŠãñ ¨ãɥ㠹ãƪã¶ã ‡ãŠÀ ÀÖã Öõ, ãä•ã¶ã‡ãñŠ ‚ãããäԦ㠽ãîʾ㠽ãò „¦ããÀ-Þãü¤ãÌã Öãñ¦ãã ÀÖ¦ãã Öõ. Ô©ããÌãÀ The Bank has lending to sectors which are sensitive to asset price fluctuations.
These sensitive sectors are real estate and capital markets.
Ôãâ¹ãªã ‚ããõÀ ¹ãîâ•ããè ºãã•ããÀ ‡ãñŠ àãñ¨ã †ñÔãñ Öãè ‚ããäÔ©ãÀ àãñ¨ã Öö. a) Real Estate Sector
‡ãŠ) Ô©ããÌãÀ Ôãâ¹ãªã àãñ¨ã
Particulars As at As at
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 31 ½ããÞãà 2008 31-Mar-2009 31-Mar-2008
‡ãŠãè ãäÔ©ããä¦ã ‡ãŠãè ãäÔ©ããä¦ã
Direct exposure
‡ãñŠ ‚ã¶ãìÔããÀ ‡ãñŠ ‚ã¶ãìÔããÀ
i) Residential Mortgages 46,281.86 42,116.80
‡ãŠ) ¹ãƦ¾ãàã ¨ãÉ¥ã-•ããñãäŒã½ã - Of which individual housing
i) ‚ããÌããÔããè¾ã ºãâ£ã‡ãŠ 46,281.86 42,116.80 loans up to Rs.20 Lakhs 30,146.88 33,103.18
ãä•ã¶ã½ãò Ôãñ Á. 20 ÊããŒã ¦ã‡ãŠ ‡ãñŠ ̾ããä‡ã‹¦ãØã¦ã ‚ããÌããÔã ¨ãÉ¥ã 30,146.88 33,103.18 ii) Commercial Real Estate 16,939.71 11,958.38
ii) Ìãããä¥ãã䕾ã‡ãŠ Ô©ããÌãÀ Ôãâ¹ãªã 16,939.71 11,958.38 iii) Investments in Mortgage Backed
iii) ºãâ£ã‡ãŠ Ôã½ããä©ãæ㠹ãÆãä¦ã¼ãîãä¦ã¾ããò (†½ãºããè†Ôã) Securities (MBS) and other
¦ã©ã㠂㶾㠹ãÆãä¦ã¼ãîãä¦ã‡ãðŠ¦ã ¨ãÉ¥ã-•ããñãäŒã½ããò ½ãò ãäÌããä¶ã£ãã¶ã : 667.26 - securitised exposures: 667.26 —
‚ããÌããÔããè¾ã 5.25 - Residential 5.25 —
Commercial Real Estate 662.01 —
Ìãããä¥ãã䕾ã‡ãŠ Ô©ããÌãÀ Ôãâ¹ãªã 662.01 -
Indirect Exposure
‚ã¹ãƦ¾ãàã ¨ãÉ¥ã-•ããñãäŒã½ã Fund based and non-fund based
ÀãÓ›Èãè¾ã ‚ããÌããÔã ºãö‡ãŠ (†¶ã†Þãºããè) ¦ã©ãã ‚ããÌããÔã ãäÌã§ã exposures on National Housing Bank
‡ã⊹ããä¶ã¾ããò (†ÞㆹãŠÔããè) ½ãò ãä¶ããä£ã ‚ãã£ãããäÀ¦ã ‚ããõÀ ØãõÀ-ãä¶ããä£ã (NHB) and Housing Finance
‚ãã£ãããäÀ¦ã ¨ãÉ¥ã-•ããñãäŒã½ã 216.14 3,795.36 Companies (HFCs) 216.14 3,795.36
¾ããñØã 64,104.97 57,870.54 Total 64,104.97 57,870.54

140

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Œã) ¹ãîâ•ããè ºãã•ããÀ b) Capital Market
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè Particulars As at As at
31-Mar-2009 31-Mar-2008
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
1) ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò, ¹ããäÀÌã¦ãöãÍããèÊã ºããâ¡ãò, ¹ããäÀÌã¦ãöãÍããèÊã 1) Direct investment in equity shares,
convertible bonds, convertible debentures
ã䡺ãòÞãÀãò ¦ã©ãã ƒãä‡ã‹Ìã›ãè Ô㽺㮠½¾ãîÞãì‚ãÊã ¹ã⊡ãò ‡ãŠãè and units of equity-oriented mutual funds
¾ãîãä¶ã›ãò ½ãò - †ñÔãñ ¹ãƦ¾ãàã ãäÌããä¶ã£ãã¶ã ãä•ã¶ã‡ãŠãè ÀããäÍã ‡ãŠã the corpus of which is not exclusively
ãäÔã¹ãÊ ‡ãŠãÀ¹ããñÀñ›-¨ãɥ㠽ãò ãäÌããä¶ã£ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ, 5793.37 5,352.53 invested in corporate debt. 5793.37 5,352.53
2) Íãñ¾ãÀãò/ºããâ¡ãò/ã䡺ãòÞãÀãò ¾ã㠂㶾㠹ãÆãä¦ã¼ãîãä¦ã¾ããò ¹ãÀ ã䪆 Øㆠ2) Advances against shares/bonds/debentures
¨ãɥ㠂ã©ãÌãã Íãñ¾ãÀãò (‚ãヹããè‚ããñ/ƒ†Ôã‚ããñ¹ããè ÔããäÖ¦ã) or other securities or on clean basis to
¹ããäÀÌã¦ãöãÍããèÊã ºããâ¡ãò, ¹ããäÀÌã¦ãöãÍããèÊã ã䡺ãòÞãÀãò ¦ã©ãã ƒãä‡ã‹Ìã›ãè individuals for investment in shares
(including IPOs/ESOPs), convertible bonds,
Ô㽺㮠½¾ãîÞãì‚ãÊã ¹ã⊡ãò ‡ãŠãè ¾ãîãä¶ã›ãò ½ãò ãäÌããä¶ã£ãã¶ã ‡ãñŠ
convertible debentures, and units of equity-
ãäÊㆠºãñ•ã½ãã¶ã¦ããè (‡ã‹Êããè¶ã) ‚ãã£ããÀ ¹ãÀ ̾ããä‡ã‹¦ã¾ããò oriented mutual funds. 26.94 367.47
‡ãŠãñ ã䪆 Øㆠ‚ããäØãƽã 26.94 367.47 3) Advances for any other purposes where
3) ãä‡ãŠÔããè ‚ã¶¾ã ¹ãƾããñ•ã¶ã ‡ãñŠ ãäÊㆠ‚ããäØãƽ㠕ãÖãú Íãñ¾ãÀãò ‚ã©ãÌãã shares or convertible bonds or convertible
¹ããäÀÌã¦ãöãÍããèÊã ºããâ¡ãò ‚ã©ãÌãã ¹ããäÀÌã¦ãöãÍããèÊã ã䡺ãòÞãÀãò ‡ãŠãñ debentures or units of equity oriented
‚ã©ãÌãã ƒãä‡ã‹Ìã›ãè Ô㽺㮠½¾ãîÞãìì‚ãÊã ¹ã⊡ ‡ãŠãè ¾ãîãä¶ã›ãò ‡ãŠãñ mutual funds are taken as primary security. 43.89 32.38
¹ãÆã©ããä½ã‡ãŠ ¹ãÆãä¦ã¼ãîãä¦ã ‡ãñŠ ¹㠽ãò ãäÊã¾ãã Øã¾ãã Öõ. 43.89 32.38 4) Advances for any other purposes to the
extent secured by the collateral security of
4) ãä‡ãŠÔããè ‚ã¶¾ã ¹ãƾããñ•ã¶ã ‡ãñŠ ãäÊㆠ†ñÔãñ ‚ããäØãƽã ãä•ã¶ã‡ãñŠ ãäÊã†
shares or convertible bonds or convertible
Íãñ¾ãÀãò ‚ã©ãÌãã ¹ããäÀÌã¦ãöãÍããèÊã ºããâ¡ãò ‚ã©ãÌãã ¹ããäÀÌã¦ãöãÍããèÊã debentures or units of equity oriented
ã䡺ãòÞãÀãò ‚ã©ãÌãã ƒãä‡ã‹Ìã›ãè Ô㽺㮠½¾ãîÞãì‚ãÊã ¹ã⊡ãò ‡ãŠãè mutual funds i.e. where the primary
¾ãîãä¶ã›ãò ‡ãŠãè Ôãâ¹ãããäÍÌãÇ㊠¹ãÆãä¦ã¼ããäî¦ã ªãè ØãƒÃ Öõ ‚ã©ããæãá security other than shares/ convertible
•ãÖãú Íãñ¾ãÀãò/¹ããäÀÌã¦ãöãÍããèÊã ºããâ¡ãò/¹ããäÀÌã¦ãöãÍããèÊã ã䡺ãòÞãÀãò/ƒãä‡ã‹Ìã›ãè bonds/convertible debentures/units of
Ô㽺㮠½¾ãîÞãì‚ãÊã ¹ã⊡ãò ‡ãŠãè ¾ãîãä¶ã›ãò ‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆã©ããä½ã‡ãŠ equity oriented mutual funds does not
¹ãÆãä¦ã¼ãîãä¦ã ‚ããäØãƽ㠇ãŠãè ÀããäÍã ‡ãŠãè ¹ãî¥ãà - ¹ãÆãä¦ã¼ãîãä¦ã ‡ãñŠ fully cover the advances. 734 .26 45.68
5) Secured and unsecured advances to
¹㠽ãò ‚ã¹ã¾ããù¦ã Öõ. 734 .26 45.68 stockbrokers and guarantees issued on
5) Íãñ¾ãÀ ªÊããÊããò ‡ãŠãñ ¹ãÆãä¦ã¼ãî¦ã ‚ããõÀ ‚ã¹ãÆãä¦ã¼ãî¦ã ‚ããäØãƽ㠂ããõÀ behalf of stockbrokers and market makers. 17.52 277.37
Íãñ¾ãÀ ªÊããÊããò †Ìãâ ºãã•ããÀ - ãä¶ã¾ãã½ã‡ãŠãò (½ãã‡ãóŠ› ½ãñ‡ãŠÔãÃ) 6) Loans sanctioned to corporates against the
‡ãŠãè ‚ããñÀ Ôãñ •ããÀãè ØããÀâã䛾ããú 17.52 277.37 security of shares/bonds/debentures or
6) ÔãâÔãã£ã¶ããò ‡ãŠãñ ºãü¤ã¶ãñ ‡ãŠãè ¹ãƦ¾ããÍãã Ôãñ ¶ãƒÃ ‡ã⊹ã¶ããè ‡ãŠãè ƒãä‡ã‹Ìã›ãè other securities or on clean basis for
½ãò ¹ãƽããñ›À ‡ãñŠ ‚ãâÍãªã¶ã ‡ãŠã ãäÖÔÔãã ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠmeeting promoter’s contribution to the
‡ãŠãÀ¹ããñÀñ›ãò ‡ãŠãñ Íãñ¾ãÀãò/ºããâ¡ãò/ã䡺ãòÞãÀãò ¾ã㠂㶾㠹ãÆãä¦ã¼ãîãä¦ã¾ããò equity of new companies in anticipation
of raising resources. — 200.00
‚ã©ãÌãã ºãñ•ã½ãã¶ã¦ããè ‚ãã£ããÀ ¹ãÀ ÔãâÔÌããè‡ãðŠ¦ã ¨ãÉ¥ã 200.00 7) Bridge loans to companies against
7) ‚ã¹ãñãäàã¦ã ƒãä‡ã‹Ìã›ãè ¹ãÆÌããÖ/Íãñ¾ãÀ ãä¶ãØãýããò ‡ãñŠ Ôãã¹ãñà㠇㊽¹ããä¶ã¾ããò expected equity flows/issues. — —
‡ãŠãñ ã䪆 Øㆠ¹ãîÀ‡ãŠ ¨ãÉ¥ã - 8) Underwriting commitments taken up by
8) Íãñ¾ãÀãò ¾ãã ¹ããäÀÌã¦ãöãÍããèÊã ºããâ¡ãò ‚ã©ãÌãã ¹ããäÀÌã¦ãöãÍããèÊã ã䡺ãòÞãÀãò ¾ãã the Banks in respect of primary issue of
ƒãä‡ã‹Ìã›ãè Ô㽺㮠½¾ãîÞãì‚ãÊã ¹ã⊡ãñâ ‡ãñŠ ¹ãÆã©ããä½ã‡ãŠ Íãñ¾ãÀ ãä¶ãØãý㠇ãñŠ shares or convertible bonds or convertible
Ôãâºãâ£ã ½ãò ºãö‡ãŠ ´ãÀã ãä‡ãŠ¾ãã Øã¾ãã Öã½ããèªãÀãè ‡ãŠãÀãñºããÀ. - debentures or units of equity oriented
mutual funds. — —
9) Íãñ¾ãÀªÊããÊããò ‡ãŠãñ ½ãããä•ãö㠉㊾ã-ãäÌã‰ãŠ¾ã ‡ãñŠ ãäÊㆠãäÌã§ã¹ããñÓã¥ã 0.08 0.20
9) Financing to stockbrokers for margin trading. 0.08 0.20
10) „²ã½ã - ¹ãîâ•ããè ãä¶ããä£ã¾ããò Ôãñ Ôãâºãâãä£ã¦ã ¨ãÉ¥ã -•ããñãäŒã½ã 358.27 312.72 10) Exposures to Venture Capital Funds 358.27 312.72
¹ãîâ•ããè ºãã•ããÀ ½ãò ‡ãìŠÊã ¨ãÉ¥ã-•ããñãäŒã½ã 6974.33 6588.35 Total Exposure to Capital Market 6974.33 6588.35

Øã) ÌãØãÃÌããÀ-ªñÍãÌããÀ •ããñãäŒã½ã

¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ Ìã¦ãýãã¶ã ãäªÍãã-ãä¶ãªóÃÍããò ‡ãñŠ ‚ã¶ãìÔããÀ, ºãö‡ãŠ ‡ãñŠ ªñÍãÌããÀ ¨ãÉ¥ã-•ããñãäŒã½ã ‡ãŠã ÌãØããê‡ãŠÀ¥ã ãä¶ã½¶ã ¦ãããäÊã‡ãŠã ½ãò ÔãîÞããèºã® ãäÌããä¼ã¶¶ã •ããñãäŒã½ã ÌãØããô ½ãò ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¶ãØ㥾㠕ããñãäŒã½ã Ñãñ¥ããè ÌããÊãñ ªñÍã ‡ãŠãñ œãñü¡‡ãŠÀ, ºãö‡ãŠ ‡ãŠã
ªñÍãØã¦ã •ããñãäŒã½ã (‡ãìŠÊã ãä¶ããä£ã‡ãŠ) - ƒÔã‡ãŠãè ‡ãìŠÊã ¨ãɥ㠂ãããäÔ¦ã¾ããò ‡ãñŠ 1% Ôãñ ‚ããä£ã‡ãŠ ¶ãÖãé Öõ. ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ Á. 25.03 ‡ãŠÀãñü¡ ‡ãŠã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ.
c) Country-Risk Categorywise
As per the extant RBI guidelines, the country where exposure of the Bank is categorised into various risk categories listed in the following table. The country
exposure (net funded) of the Bank for any country does not exceed 1% of its total assets except to a country in insignificant risk category. Provision of
Rs. 25.03 crores has been made in accordance with RBI guidelines.

•ããñãäŒã½ã ÌãØãà ¨ãÉ¥ã-•ããñãäŒã½ã (ãä¶ãÌãÊã) £ãããäÀ¦ãã

Risk Category Exposure (net) Provision held
31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
As at 31-Mar-2009 As at 31-Mar-2008 As at 31-Mar-2009 As at 31-Mar-2008
¶ãØ㥾ã / Insignificant 33980.08 22208.55 25.03 12.50
‡ãŠ½ã / Low 10859.90 5185.89 ãä¶ãÀâ‡ãŠ / Nil ãä¶ãÀâ‡ãŠ / Nil
Ôãã½ã㶾ã / Moderate 6237.82 4713.24 ãä¶ãÀâ‡ãŠ / Nil ãä¶ãÀâ‡ãŠ / Nil
‚ããä£ã‡ãŠ / HIgh 4783.54 3314.57 ãä¶ãÀâ‡ãŠ / Nil ãä¶ãÀâ‡ãŠ / Nil
‚㦾ããä£ã‡ãŠ / Very HIgh 1022.73 1015.84 ãä¶ãÀâ‡ãŠ / Nil ãä¶ãÀâ‡ãŠ / Nil
¹ãÆãä¦ãºãâãä£ã¦ã / ¨ãɥ㠽ãò Íãããä½ãÊã ¶ã Öãñ¶ãñ ÌããÊãñ
Restricted / Off-Credit 765.16 19.50 ãä¶ãÀâ‡ãŠ / Nil ãä¶ãÀâ‡ãŠ / Nil
¾ããñØã / Total 57649.23 36457.59 25.03 12.50

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Üã) ºãö‡ãŠ ´ãÀã ‚ããä¦ã‰ãŠãä½ã¦ã †‡ãŠÊã „£ããÀ‡ãŠ§ããà ¦ã©ãã Ôã½ãîÖ „£ããÀ‡ãŠ§ããà ¨ãɥ㠕ããñãäŒã½ã Ôããè½ãã ‡ãŠã º¾ããñÀã :
d) Single Borrower and Group Borrower exposure limits exceeded by the Bank :
ºãö‡ãŠ ¶ãñ ãä¶ã½¶ããäÊããäŒã¦ã ½ãã½ãÊããò ½ãò ¾ã©ããñãäÞã¦ã Ôããè½ãã ‡ãñŠ ‚ããä¦ã‰ãŠ½ã¥ã ½ãò †‡ãŠÊã „£ããÀ‡ãŠ§ããà ¨ãÉ¥ã-•ããñãäŒã½ã ãäÊㆠ:
The Bank had taken single borrower exposure in excess of the prudential limit in the cases given below :
„£ããÀ‡ãŠ§ããà ‡ãŠã ¶ãã½ã ¨ãÉ¥ã-•ããñãäŒã½ã ‡ãŠãè „ÞÞã§ã½ã Ôããè½ãã ÔãâÔÌããè‡ãðŠ¦ã Ôããè½ãã (ÞãÀ½ã Ô¦ãÀ) Ôããè½ãã ‡ãñŠ ‚ããä¦ã‰ãŠ½ã¥ã ‡ãŠãè ‚ãÌããä£ã 31.03.09 ‡ãŠãñ ºã‡ãŠã¾ãã
Name of the Borrower Exposure ceiling Limit Sanctioned Period during which limit Outstanding
(Peak Level) exceeded as on 31.03.09

ãäÀÊãã¾ãâÔã ƒâ¡Ô›Èãè•ã ãäÊã. ½ãƒÃ 2008 Ôãñ ‚ãØãÔ¦ã 2008

Reliance Industries Ltd. 10,464.39 13,764.04 May 2008 to August 2008
10,770.67 14,129.89 ãäÔã¦ã½ºãÀ 2008 Ôãñ ½ããÞãà 2009 ¦ã‡ãŠ / September 2008 to March 2009 11,197.65

ƒâã䡾ã¶ã ‚ããù¾ãÊã ‡ãŠãÀ¹ããñÀñÍã¶ã ãäÊã. ‚ã¹ãÆõÊã April 2008

Indian Oil Corporation Ltd. 10,464.39 10,503.72 •ãìÊããƒÃ 08 Ôãñ ‚ãØãÔ¦ã 08 July 2008 to August 2008
17,440.66 20,241.17 ãäÔã¦ã½ºãÀ 08 Ôãñ ½ããÞãà 09 September 2008 to March 2009 14,791.97
17,915.13 20,533.87

* ºããñ¡Ã ‡ãñŠ ‚ã¶ãì½ããñª¶ã Ôãñ / with the approval of the Board

Ý.) ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãñ •ããÀãè Þãì‡ãŠãõ¦ããè ‚ããÍÌããÔã¶ã ¹ã¨ã: e) Letter of Comfort issued for Subsidiaries:
The Bank has issued letters of comfort on behalf of its subsidiaries.
ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãñ ÔãÖ¾ããñãäØã¾ããò ‡ãŠãè ‚ããñÀ Ôãñ Þãì‡ãŠãõ¦ããè ‚ããÍÌããÔã¶ã ¹ã¨ã •ããÀãè ãä‡ãŠ† Öö. 31 ½ããÞãà 2009 ‡ãŠãñ Þãì‡ãŠãõ¦ããè
Outstanding letters of comfort as on 31st March 2009 aggregate to Rs. 166.45
‚ããÍÌããÔã¶ã ¹ã¨ããò ‡ãŠãè ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã Á.166.45 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á.341.23 ‡ãŠÀãñü¡) ©ããè. ºãö‡ãŠ ‡ãñŠ
crores (Previous Year Rs. 341.23 crores.) In the Bank’s assesment no
‚ãã‡ãŠÊã¶ã ‡ãñŠ ‚ã¶ãìÔããÀ ‡ãŠãñƒÃ ãäÌã§ããè¾ã ¹ãƼããÌã ¹ãü¡¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã ¶ãÖãé. financial impact is likely to arise.
Þã.) ‚ããÀãäàããä¦ã¾ããò Ôãñ ‚ããÖÀ¥ã: f) Withdrawal from Reserves:
During the year, the bank has withdrawn following amount from the
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ‚ããÀãäàããä¦ã¾ããò Ôãñ ãä¶ã½¶ããäÊããäŒã¦ã ÀããäÍã ‚ããÖãäÀ¦ã ‡ãŠãè Öõ:
Reserves:
ãäÌãÌãÀ¥ã 31½ããÞãà 2009 ‡ãŠãè 31½ããÞãà 2008 ‡ãŠãè
Particulars As at As at
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
31-Mar-2009 31-Mar-2008
ÊãñŒãã ½ãã¶ã‡ãŠ 15 (ÔãâÍããñãä£ã¦ã 2005) ‡ãñŠ Ôãâ‰ãŠ½ã¥ããè¾ã
Transitional liability on implementation
ªããä¾ã¦Ìã ‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã - 4075.64
of AS 15 (Revised 2005) — 4075.64
Ôã½ãã£ãã¶ã ‡ãñŠ ‚ãâ¦ãØãæ㠡Èã¹ã‹›ãò ‡ãñŠ ¼ãìØã¦ãã¶ã ‡ãñŠ ãäÊㆠ- 0.10 On account of payment of Drafts under
ƒÃ†Ôã¹ããè†Ôã Íãñ¾ãÀãò ¹ãÀ Êããã¼ããâÍã ‚ããõÀ ƒÔã ¹ãÀ reconciliation — 0.10
Êãã¼ããâÍã ãäÌã¦ãÀ¥ã ‡ãŠÀ 8.58 Dividend on account of ESPS shares and
dividend distribution tax thereon 8.58 -
18.8 ãäÌããäÌã£ã
18.8 Miscellaneous
‡ãŠ) ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ÊãØãㆠØㆠªâ¡ãò ‡ãŠã ¹ãƇ㊛ãè‡ãŠÀ¥ã a) Disclosure of Penalties imposed by RBI:
ãä¶ãÀâ‡ãŠ (ãä¹ãœÊãã ÌãÓãà - ãä¶ãÀâ‡ãŠ ) Nil (Previous year - Nil)

Œã) ØãÆãև㊠- ãäÍã‡ãŠã¾ã¦ããò ‡ãŠãè ãäÔ©ããä¦ã : b) Status of customer complaints:

Particulars As at As at
ãäÌãÌãÀ¥ã 31½ããÞãà 2009 ‡ãŠãè 31½ããÞãà 2008 ‡ãŠãè 31-Mar-2009 31-Mar-2008
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
No. of complaints pending at the beginning
ÌãÓãà ‡ãñŠ ‚ããÀâ¼ã ½ãò ãäÌãÞããÀã£ããè¶ã ãäÍã‡ãŠã¾ã¦ããò ‡ãŠãè Ôã⌾ãã 1030 454 of the year 1030 454
¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ ‡ãŠãÀ¥ã Ìãðãä® 258 - Addition on account of aqusition of eSBS 258 —
No. of complaints received during the year 23571 16461
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ãÆ㹦ã ãäÍã‡ãŠã¾ã¦ããò ‡ãŠãè Ôã⌾ãã 23571 16461
No. of complaints redressed during the year 23709 15885
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãä¶ãÌããÀ¥ã ‡ãŠãè ØãƒÃ ãäÍã‡ãŠã¾ã¦ããò ‡ãŠãè Ôã⌾ãã 23709 15885 No. of complaints pending at the end of the year 1150 1030
ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò ãäÌãÞããÀã£ããè¶ã ãäÍã‡ãŠã¾ã¦ããò ‡ãŠãè Ôã⌾ãã 1150 1030 c) Awards passed by the Banking Ombudsman:

Øã) ºãöãä‡ãâŠØã Êããñ‡ãŠ¹ããÊã ´ãÀã ¹ãããäÀ¦ã ‚ããä£ããä¶ã¥ãþã: Particulars Current Previous

Year Year
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
No. of unimplemented Awards at the beginning
ÌãÓãà ‡ãñŠ ‚ããÀâ¼ã ½ãò ‡ãŠã¾ããÃãä¶Ìã¦ã ¶ãÖãé ãä‡ãŠ† Øㆠ‚ããä£ããä¶ã¥ãþããò ‡ãŠãè Ôã⌾ãã 4 0 of the year 4 0
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãöãä‡ãâŠØã Êããñ‡ãŠ¹ããÊã ´ãÀã ¹ãããäÀ¦ã ‚ããä£ããä¶ã¥ãþããò ‡ãŠãè Ôã⌾ãã 19 22 No. of Awards passed by the Banking Ombudsman
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ãŠã¾ããÃãä¶Ìã¦ã ‚ããä£ããä¶ã¥ãþããò ‡ãŠãè Ôã⌾ãã 22 18 during the year 19 22
No. of Awards implemented during the year 22 18
ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò ‡ãŠã¾ããÃãä¶Ìã¦ã ¶ãÖãé ãä‡ãŠ† Øㆠ‚ããä£ããä¶ã¥ãþããò ‡ãŠãè Ôã⌾ãã 1 4
No. of unimplemented Awards at the end of the year 1 4
Üã) ºãö‡ãŠ ‡ãŠãñ ‚ãã¹ãîãä¦ãÇ㊧ããÂããò Ôãñ ̾ããäÓ›, ÊãÜãì †Ìã⠽㣾ã½ã „²ã½ã ãäÌã‡ãŠãÔã ‚ããä£ããä¶ã¾ã½ã 2006 ‡ãñŠ ‚ãâ¦ãØãæã d) The bank has not received any intimation from the suppliers regarding their status
- „¶ã‡ãŠãè ãäÔ©ããä¦ã Ôãñ Ô㽺㮠Þãîâãä‡ãŠ ‡ãŠãñƒÃ ÔãîÞã¶ãã ¹ãÆ㹦㠶ãÖãé ÖìƒÃ Öõ, ‚ã¦ã: ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò, „‡ã‹¦ã under the Micro, Small & Medium Enterprises Development Act, 2006 and hence
‚ããä£ããä¶ã¾ã½ã ‡ãñŠ ‚ãâ¦ãØãæ㠺¾ãã•ã Ôããä֦㠼ãìØã¦ãã¶ã ¶ã ‡ãŠãè ØãƒÃ ÀããäÍã ‡ãñŠ Ôãâºãâ£ã ½ãò ¶ã ¦ããñ ‡ãŠãñƒÃ ¹ãƇ㊛ãè‡ãŠÀ¥ã the disclosures relating to amount unpaid as at the end of the year together with
ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ¶ã Öãè ãäÌãÊãã佺ã¦ã ¼ãìØã¦ãã¶ã ‡ãŠãè ãäÔ©ããä¦ã Ôãñ º¾ãã•ã-¹ãÆãÌã£ãã¶ã ‡ãŠã ƒÔã Ôã½ã¾ã ‚ã¶ãì½ãã¶ã interest payable as required under the said act has not been furnished and provision
ÊãØãã¶ãã Ôãâ¼ãÌã Öõ. for interest, if any, on delayed payment is not ascertainable at this stage

142

C142 K142
18.9 ÊãñŒãã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãƇ㊛ãè‡ãŠÀ¥ã ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã 18.9 Disclosure Requirements as per Accounting Standards
‡ãŠ) ÊãñŒãã ¶ããèãä¦ã ½ãò ¹ããäÀÌã¦ãöã a) Changes in Accounting Policy

ºãö‡ãŠ ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò ãä‡ãŠ† ØㆠÔÌã¦ãâ¨ã ºããè½ããâãä‡ãŠ‡ãŠ ½ãîʾããâ‡ãŠ¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ›ÈãäÔ›¾ããò ´ãÀã ãä¶ã¾ãâãä¨ã¦ã ¹ãòÍã¶ã ¹ã⊡ The Bank has been making annual contributions to the pension fund
½ãò ÌãããäÓãÇ㊠‚ãâÍãªã¶ã ‡ãŠÀ ÀÖã Öõ. ºãö‡ãŠ ¶ãñ †Ôãºããè‚ãム¹ãòÍã¶ã ¹ã⊡ ãä¶ã¾ã½ããÌãÊããè ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãòÍã¶ã ¹ã⊡ ½ãò ½ãîÊã administered by trustees based on an independent actuarial valuation carried
out at the year end. The Bank has decided to make its contribution to the
Ìãñ¦ã¶ã ‡ãŠãè 10% ÀããäÍã ‡ãŠã ‚ã¹ã¶ãã ‚ãâÍãªã¶ã ‡ãŠÀ¶ãñ ‡ãŠã ãä¶ã¥ãþã ãäÊã¾ãã Öõ. ÍãñÓã ÀããäÍã ‡ãñŠ ãäÊㆠºããè½ããâãä‡ãŠ‡ãŠ ªñ¾ã¦ãã
Pension Fund at 10% of the basic salary in terms of SBI pension Fund
‡ãñŠ ‚ã¶ãìÔããÀ ¹ãî¥ãà ¹ã Ôãñ ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ¾ãÖ ÀããäÍã ¹ãòÍã¶ãÀãò ‡ãñŠ Ôãâºãâ£ã ½ãò ãä¶ã¹ã›ã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ
Rules. The balance amount as per actuarial liability is fully provided for
ãäÊㆠ†‡ãŠ ãäÌãÍãñÓã ¹ãÆãÌã£ãã¶ã Œãã¦ãñ ½ãò ÀŒããè ØãƒÃ Öõ. and kept in a special provision account for settlement to pensioners.
ƒÔã ¹ããäÀÌã¦ãö㠇ãñŠ ‡ãŠãÀ¥ã ‡ãŠÀ ¹ãÍÞãã¦ãá Êãã¼ã ½ãò, Á. 508 ‡ãŠÀãñü¡ ‡ãŠãè ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäԦ㠇ãñŠ ¹㠽ãò, Consequent to this change, the profit after tax has gone up by Rs. 296
Á. 296 ‡ãŠÀãñü¡ ‡ãŠãè Ìãðãä® ÖìƒÃ Öõ. crores after considering the deferred tax asset of Rs. 508 crores.
Œã) ‚ã¶ãìÓãâãäØã¾ããò, Ôãâ¾ãì‡ã‹¦ã „²ã½ããò, ÔãÖ¾ããñØããè ‡ã⊹ããä¶ã¾ããò ½ãò ãäÌããä¶ã£ãã¶ã/Ìãã¾ãªñ b) Investments / Commitments in Subsidiaries, Joint Ventures, Associates
1. ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ Á. 13.76 ‡ãŠÀãñü¡ ‡ãŠãè ¹ãîâ•ããè Ôãñ †‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦Ìã ÌããÊããè ‚ã¶ãìÓãâØããè, †Ôãºããè‚ãム1. SBI has established a wholly owned subsidiary, SBI Custodial Services
‡ãŠÔ›ãñã䡾ãÊã ÔããäÌãÃÔãñ•ã ¹ãÆã. ãäÊã, Ô©ãããä¹ã¦ã ‡ãŠãè Öõ. ƒÔã½ãò ºãö‡ãŠ ‡ãŠãè 65% Ôãã¢ãñªãÀãè Ôãñ ÔããñÔãホãè •ã¶ãÀÊã, Pvt. Ltd., with a capital of Rs. 13.76 crores. A joint venture agreement
¹ãÆŠãâÔã ‡ãñŠ Ôãã©ã Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ¼ããÀ¦ããè¾ã ãäüÀ•ãÌãà ºãö‡ãŠ ¶ãñ ‡ãŠãä©ã¦ã Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠã has been entered with Societe Generale, France, with the bank having
‚ã¶ãì½ããñª¶ã ‡ãŠÀ ã䪾ãã Öõ ‚ããõÀ ºãö‡ãŠ ‡ãŠãñ Ôãñºããè Ôãñ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ¶ãñ ‡ãŠãè ¹ãƦããèàãã Öõ. ƒÔã Ôãâ¾ãì‡ã‹¦ã „²ã½ã 65% stake. RBI has approved the said joint venture and the bank is
‡ãŠãè ‚ããä£ã‡ãðŠ¦ã Íãñ¾ãÀ ¹ãîâ•ããè Á.100 ‡ãŠÀãñü¡ ¦ã‡ãŠ ¹ãÆÔ¦ãããäÌã¦ã ‡ãŠãè ØãƒÃ. awaiting approval from SEBI. The authorised share capital of the
joint venture is envisaged at Rs. 100 crores.
2 ºãö‡ãŠ ‡ãŠãè †‡ãŠ ‚ã¶ãìÓãâØããè, ƒâã䡾ã¶ã ‚ããñÍã¶ã ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ (‚ãヂããñ‚ãヺããè) ‡ãŠã ºãö‡ãŠ ‡ãŠãè ªîÔãÀãè
2. The Bank’s subsidiary, Indian Ocean International Bank (IOIB)
‚ã¶ãìÓãâØããè †Ôãºããè‚ãムƒâ›À¶ãñÍã¶ãÊã (½ããùÀãèÍãÔã) ãäÊã. ½ãò Ôã½ãã½ãñÊã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ Ôã½ãã½ãñãäÊã¦ã
amalgamated with SBI International (Mauritius) Ltd, another
‡ã⊹ã¶ããè ‡ãŠã ¶ãã½ã †Ôãºããè‚ãム(½ããùÀãèÍãÔã) ãäÊã. ‡ãñŠ ¹㠽ãò ¹ããäÀÌããä¦ãæã Öì‚ãã Öõ ¦ã©ãã ÌãÖ ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ subsidiary of the Bank and the amalgamated entity’s name has been
‡ã⊹ã¶ããè ‡ãŠãè ‚ã¹ã¶ããè ¹ãîÌãÃÌã¦ããê ãäÔ©ããä¦ã Ôãñ ÔããÌãÕããä¶ã‡ãŠ ãäÊããä½ã›ñ¡ ‡ã⊹ã¶ããè ‡ãñŠ ¹㠽ãò ¹ããäÀÌããä¦ãæã ÖìƒÃ Öõ. changed to SBI (Mauritius) Ltd. and converted as a Public Limited
ãäÌãÊã¾ã ‡ãŠãè ¾ããñ•ã¶ãã ‡ãŠãñ ºãö‡ãŠ ‚ããù¹ãŠ ½ããùÀãèÍãÔã ¶ãñ 1 ‚ã¹ãÆõÊã 2008 ‡ãŠãè ãä¶ã¾ã¦ã ãä¦ããä©ã Ôãñ ÔãâÔÌããè‡ãðŠ¦ã Company from its erstwhile status as a Private Limited Company. The
ãä‡ãŠ¾ãã Öõ. ¹ããäÀ¥ãã½ãÔÌã¹ã, †Ôãºããè‚ãム(½ããùÀãèÍãÔã) ½ãò ºãö‡ãŠ ‡ãŠã ‚ãâÍã 98% Íãñ¾ãÀ £ãããäÀ¦ãã (ãäÌãÊã¾ã- Scheme of Merger has been sanctioned by Bank of Mauritius from
¹ãîÌãÃ) Ôãñ Üã› ‡ãŠÀ 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ 93.40% Íãñ¾ãÀ £ãããäÀ¦ãã (ãäÌãÊã¾ã- 1st April 2008, being the appointed date. Consequently, the Bank’s
„¹ãÀãâ¦ã) Öãñ ØãƒÃ Öõ. stake in SBI (Mauritius) has reduced from a 98% holding (pre-merger)
3. ºãö‡ãŠ ¶ãñ Ôãã£ãÀ¥ã ºããè½ãã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÁ. 20 ‡ãŠÀãñü¡ ‡ãŠãè ‚ããä£ã‡ãðŠ¦ã Íãñ¾ãÀ ¹ãâî•ããè ‡ãñŠ Ôãã©ã †Ôãºããè‚ãムto 93.40% holding as at 31st March 2009 (post-merger).
•ã¶ãÀÊã ƒâ;ããñÀòÔã ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡ ãä¶ãØããä½ã¦ã ‡ãŠãè Öõ, •ããñ ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ¶ãñ ‡ãñŠ ‚ã£ããè¶ã 3. The bank has incorporated SBI General Insurance Company Limited,
Öõ. ºãö‡ãŠ ¶ãñ Ôãã£ããÀ¥ã ºããè½ãã ̾ãÌãÔãã¾ã ÔãâÞãããäÊã¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠƒâ;ããñÀòÔã ‚ããÔ›ÈñãäÊã¾ãã ØãÆì¹ã (‚ãテ•ããè) with authorised share capital of Rs. 20 crores, for providing General
‡ãñŠ Ôãã©ã Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ¹ãÀ ÖÔ¦ããàãÀ ãä‡ãŠ¾ãã Öõ. ºãö‡ãŠ ‡ãñŠ ¹ããÔã ƒÔã Ôãâ¾ãì‡ã‹¦ã „²ã½ã ½ãò 74% ƒãä‡ã‹Ìã›ãè Insuarance subject to regulatory approvals. The Bank has signed a
ÀÖñØããè, •ãºããä‡ãŠ ‚ãテ•ããè ‡ãñŠ ¹ããÔã 26% ƒãä‡ã‹Ìã›ãè ÀÖñØããè. joint venture agreement with Insurance Australia Group (IAG) for
conducting the General Isuarance business. The bank will hold 74%
4. ºãö‡ãŠ ¶ãñ ¼ããÀ¦ã ½ãò ãäÌããä¼ã¸ã ÔãâÀÞã¶ããØã¦ã ¹ããäÀ¾ããñ•ã¶ãã‚ããò ½ãò ãäÌããä¶ã£ãã¶ã Öñ¦ãì ¾ãî†Ôã ¡ãÊãÀ 3 ãäºããäÊã¾ã¶ã ‡ãŠãè ÔãâÀÞã¶ããØã¦ã equity in the JV, while IAG will hold 26% equity.
ãä¶ããä£ã ‡ãñŠ ãä¶ã£ããÃÀ¥ã ‡ãñŠ ãäÊㆠ½ãõ‡ã‹ÌããÀãè ‡ãõŠãä¹ã›Êã ØãÆì¹ã, ‚ããÔ›ÈñãäÊã¾ãã ‚ããõÀ ‚ãテ¹ãŠÔããè, ÌãããäÍãâØ›¶ã ‡ãñŠ Ôãã©ã
4. The bank has signed a joint venture with Macquarie Capital
Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ¹ãÀ ÖÔ¦ããàãÀ ãä‡ãŠ¾ãã Öõ, ãä•ãÔã‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‚ããõÀ ÔãÀ‡ãŠãÀ Ôãñ ‚ã¶ãì½ããñª¶ã Group,Australia and IFC,Washington for setting up an Infrastructure
¹ãÆ㹦ã Öãñ Øã¾ãã Öõ. fund of USD 3 billion for investing in various infrastructure projects
5. ºãö‡ãŠ ¶ãñ ¼ããÀ¦ã ½ãò ãäÌããäÌã£ã àãñ¨ããò ½ãò ãäÌããä¶ã£ãã¶ã Öñ¦ãì †‡ãŠ Ôãã½ã㶾ã ãä¶ããä£ã ‡ãñŠ Ôãð•ã¶ã ‡ãñŠ „ªáªñ;ã Ôãñ Ô›ñ› in India for which RBI and Government approval have been received.
•ã¶ãÀÊã ãäÀû•ãÌãà ¹ã⊡ (†Ôã•ããè‚ããÀ†¹ãŠ), ‚ããñ½ãã¶ã, „Ôã ªñÍã ‡ãŠãè ÔãÀ‡ãŠãÀãè ãä¶ããä£ã ‡ãñŠ Ôãã©ã, ÔãÖ½ããä¦ã —ãã¹ã¶ã 5. The bank has signed an MOU with State General Reserve Fund
(†½ã‚ããñ¾ãî) ¹ãÀ ÖÔ¦ããàãÀ ãä‡ãŠ¾ãã Öõ. ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠã ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ Øã¾ãã Öõ, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ (SGRF) of Oman, a Sovereign Fund of that country with an objective
‡ãŠã ‚ã¶ãì½ããñª¶ã ¹ãƦããèãäàã¦ã Öõ. to set up a general fund to invest in various sectors in India.While
6. ºãö‡ãŠ ¦ã©ãã †Ôãºããè‚ãム‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ›áÔã ãäÊã. (†Ôãºããè‚ãム‡ãõŠ¹ã) ‡ãñŠ ºããñ¡Ã ¶ãñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ´ãÀã the RBI approval has been received , the Government of India
approval is awaited.
†Ôã†Ôã†Êã ‡ãŠãè ãä¶ã¾ãâ¨ã‡ãŠ ‡ã⊹ã¶ããè †Ôãºããè‚ãム‡ãõŠ¹ã Ôãñ †Ôãºããè‚ãム‡ãõŠ¹ã ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊããä½ã›ñ¡ (†Ôã†Ôã†Êã)
‡ãŠãñ ƒÔã‡ãŠãè ‚ã¶ãìÓãâØããè ‡ãñŠ ¹㠽ãò ‚ããä£ã‡ãŠãÀ ½ãò Êãñ¶ãñ ‡ãŠã ‚ã¶ãì½ããñª¶ã ¹ãƪã¶ã ‡ãŠÀ ã䪾ãã Öõ, •ããñ ãäÌããä¶ã¾ãã½ã‡ãŠ 6. The Boards of the Bank and SBI Capital Markets Ltd. (SBICAP) have
‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ¶ãñ ‡ãñŠ ‚ã£ããè¶ã Öõ. approved takeover of SBICAP Securities Limited (SSL) by SBI as its
subsidiary from SSL’s holding company – SBICAP, subject to
Øã) ‡ãŠ½ãÃÞããÀãè - ãäÖ¦ãÊãã¼ã necessary regulatory approval.
i. ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ¾ããñ•ã¶ãã†ú c) Employee Benefits
ãä¶ã½¶ã ¦ãããäÊã‡ãŠã ½ãò ÊãñŒãã ½ãã¶ã‡ãŠ - 15 (ÔãâÍããñãä£ã¦ã 2005) ‡ãŠãè ‚ã¹ãñàãã¶ãìÔããÀ ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã, i. Defined Benefit Plans
ØãÆñÞ¾ãì›ãè ¾ããñ•ã¶ãã ‡ãŠãè ãäÔ©ããä¦ã ¹ãÆÔ¦ãì¦ã ‡ãŠãè ØãƒÃ Öõ :
The following table sets out the status of the defined benefit Pension
ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã ØãÆñÞ¾ãì›ãè Plan and Gratuity Plan as required under AS 15 (Revised 2005)
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
Pension Plans Gratuity
ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã - ªããä¾ã¦Ìã ‡ãñŠ Particulars Current Previous Current Previous
Ìã¦ãýãã¶ã ½ãîʾ㠽ãò ¹ããäÀÌã¦ãöã Year Year Year Year
1 ‚ã¹ãÆÊõ ã 2008 ‡ãŠãñ ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã Change in the present value of
ªããä¾ã¦Ìã ¾ããñ•ã¶ãã ‡ãŠã ‚ããÀâ¼ã 16810.00 15929.00 3544.18 3527.00 the defined benefit obligation
Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãñŠ Opening defined benefit
‚ããä¼ãØãÆ֥㠹ãÀ ‚ããä•ãæ㠪ñ¾ã¦ãã 571.36 — 121.66 — obligation at 1st April 2008 16810.00 15929.00 3544.18 3527.00
Ìã¦ãýãã¶ã ÔãñÌãã ÊããØã¦ã 755.83 423.14 130.20 126.15 Liability acquired on acquisition
of State Bank of Saurashtra 571.36 — 121.66 —
º¾ãã•ã ÊããØã¦ã 1362.00 1290.00 285.00 285.00
Current Service Cost 755.83 423.14 130.20 126.15
ºããè½ããâãä‡ãŠ‡ãŠ Öããä¶ã¾ããú (Êãã¼ã) 905.07 219.62 -88.56 -72.97
Interest Cost 1362.00 1290.00 285.00 285.00
¹ãƪ§ã ãäÖ¦ãÊãã¼ã -1075.54 -1051.76 -214.30 -321.00 Actuarial losses (gains) 905.07 219.62 -88.56 -72.97
31 ½ããÞãà 2009 ‡ãŠãñ ãä¶ã¾ã¦ã Benefits paid -1075.54 -1051.76 -214.30 -321.00
ãäÖ¦ãÊãã¼ã ªããä¾ã¦Ìã ¾ããñ•ã¶ãã Closing defined benefit
‡ãŠã ƒãä¦ãÍãñÓã 19328.72 16810.00 3778.18 3544.18 obligation at 31st March 2009 19328.72 16810.00 3778.18 3544.18

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ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã ØãÆñÞ¾ãì›ãè Pension Plan Gratuity
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Previous Current Previous
Year Year Year Year
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ½ãò ¹ããäÀÌã¦ãöã
Change in Plan Assets
1 ‚ã¹ãÆõÊã 2008 ‡ãŠãñ ¾ããñ•ã¶ãã
Opening fair value of plan
‚ãããäÔ¦ã¾ããò ‡ãŠã ‚ããÀâãä¼ã‡ãŠ
assets as at 1st April 2008 13084.80 12205.26 3544.18 3527.00
„ãäÞã¦ã ½ãîʾã 13084.80 12205.26 3544.18 3527.00
Asset acquired on acquisition
Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãñŠ
‚ããä¼ãØãÆ֥㠹ãÀ ‚ããä•ãæ㠂ãããäÔ¦ã 172.91 — 90.21 — of State Bank of Saurashtra 172.91 — 90.21 —
Expected Return on Plan assets 1046.78 976.42 278.88 269.72
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ
¹ãƦ¾ãããäÍã¦ã ¹ãÆãä¦ãÊãã¼ã 1046.78 976.42 278.88 269.72 Contributions by employer 356.44 884.14 49.00 5.00

ãä¶ã¾ããñ‡ã‹¦ãã ´ãÀã ‚ãâÍãªã¶ã 356.44 884.14 49.00 5.00 Benefit Paid -1075.54 -1051.76 -214.30 -321.00

¹ãƪ§ã ãäÖ¦ãÊãã¼ã -1075.54 -1051.76 -214.30 -321.00 Actuarial Gains 124.74 70.74 -1.24 63.46
Closing fair value of plan
ºããè½ããâãä‡ãŠ‡ãŠ Êãã¼ã 124.74 70.74 -1.24 63.46
assets at 31st March 2009 13710.13 13084.80 3746.73 3544.18
31 ½ããÞãà 2009 ‡ãŠãñ ¾ããñ•ã¶ãã
‚ãããäÔ¦ã¾ããò ‡ãñŠ „ãäÞã¦ã ½ãîʾ㠇ãŠã ƒãä¦ãÍãñÓã 13710.13 13084.80 3746.73 3544.18 Reconciliation of present value
of the obligation and fair value
ªããä¾ã¦Ìã ‡ãñŠ Ìã¦ãýãã¶ã ½ãîʾ㠦ã©ãã
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ‡ãñŠ „ãäÞã¦ã of the plan assets
½ãîʾ㠇ãŠã Ôã½ãã£ãã¶ã Present Value of Funded
31 ½ããÞãà 2009 ‡ãŠãñ ãä¶ããä£ã‡ãŠ obligation at 31st March 2009 19328.72 16810.00 3778.18 3544.18
ªããä¾ã¦Ìã ‡ãŠã Ìã¦ãýãã¶ã ½ãîʾã 19328.72 16810.00 3778.18 3544.18 Fair Value of Plan assets
31 ½ããÞãà 2009 ‡ãŠãñ ¾ããñ•ã¶ãã at 31st March 2009 13710.13 13084.80 3746.73 3544.18
‚ãããäÔ¦ã¾ããò ‡ãŠã „ãäÞã¦ã ½ãîʾã 13710.13 13084.80 3746.73 3544.18 Deficit/(Surplus) 5618.59 3725.20 31.45 —
‡ãŠ½ããè/ (‚ããä£ãÍãñÓã ) 5618.59 3725.20 31.45 — Unrecognised Past Service Cost — — — —
ÊãñŒãñ ½ãñ ¶ãÖãé Êããè ØãƒÃ ãäÌãØã¦ã Net Liability/(Asset) 5618.59 3725.20 31.45 —
ÔãñÌãã ÊããØã¦ã — — — — Amount Recognised in
ãä¶ãÌãÊã ªñ¾ã¦ãã / (‚ãããäÔ¦ã) 5618.59 3725.20 31.45 — the Balance Sheet
¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ‡ãŠãè ØãƒÃ ÀããäÍã Liabilities 19328.72 16810.00 3778.18 3544.18
ªñ¾ã¦ãã†ú 19328.72 16810.00 3778.18 3544.18 Assets 13710.13 13084.80 3746.73 3544.18
‚ãããäÔ¦ã¾ããú 13710.13 13084.38 3746.73 3544.18 Net Liability / (Asset)

¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ãä¶ãÌãÊã recognised in Balance Sheet 5618.59 3725.20 31.45 —
ªñ¾ã¦ãã/ (‚ãããäÔ¦ã) 5618.59 3725.20 31.45 — Net Cost recognised in
Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ the profit and loss account
½ãò Íãããä½ãÊã ãä¶ãÌãÊã ÊããØã¦ã Current Service Cost 755.83 423.14 130.20 126.15
Ìã¦ãýãã¶ã ÔãñÌãã ÊããØã¦ã 755.83 423.14 130.20 126.15 Interest Cost 1362.00 1290.00 285.00 285.00
ºØ¾ãã•ã ÊããØã¦ã 1362.00 1290.00 285.00 285.00 Expected return on plan assets -1046.78 -976.42 -278.88 -269.72

¾ããñ•ã¶ãã-‚ãããäÔ¦ã¾ããò ¹ãÀ Net actuarial losses (Gain)

¹ãƦ¾ãããäÍã¦ã ¹ãÆãä¦ãÊãã¼ã -1046.78 -976.42 -278.88 -269.72 recognised during the year 780.33 148.88 -87.32 -136.43
ÌãÓãà ‡ãñŠ ªãõÀã¶ã Íãããä½ãÊã ãä¶ãÌãÊã Total costs of defined benefit
ºããè½ããâãä‡ãŠ‡ãŠ Öããä¶ã¾ããú (Êãã¼ã) 780.33 148.88 -87.32 -136.43 plans included in Schedule 16
ãä¶ã¾ã¦ã Êãã¼ã ¾ããñ•ã¶ãã‚ããò ‡ãŠãè ‡ãìŠÊã “Payments to and provisions
ÊããØã¦ã ‚ã¶ãìÔãîÞããè 16 "‡ãŠ½ãÃÞãããäÀ¾ããò for employees” 1851.38 885.60 49.00 5.00
‡ãŠãñ ¼ãìØã¦ãã¶ã ‚ããõÀ „¶ã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã" Reconciliation of expected
½ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. 1851.38 885.60 49.00 5.00
return and actual return
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãƦ¾ãããäÍã¦ã
on Plan Assets
¹ãÆãä¦ãÊãã¼ã ‚ããõÀ ºããè½ããâãä‡ãŠ‡ãŠ
¹ãÆãä¦ãÊãã¼ã ‡ãŠã Ôã½ãã£ãã¶ã Expected Return on Plan Assets 1046.78 976.42 278.88 269.72
Actuarial Gain/ (loss)
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãƦ¾ãããäÍã¦ã ¹ãÆã¦ä ãÊãã¼ã 1046.78 976.42 278.88 269.72
on Plan Assets 124.74 70.74 -1.24 63.46
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ºããè½ããâã‡ä ㊇㊠Êãã¼ã/(Öããä¶ã) 124.74 70.74 -1.24 63.46
Actual Return on Plan Assets 1171.52 1047.16 277.64 333.18
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ºããè½ããâãä‡ãŠ‡ãŠ ¹ãÆãä¦ãÊãã¼ã 1171.52 1047.16 277.64 333.18
Reconciliation of opening and
¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ãä¶ãÌãÊã
closing net liability/ (asset)
ªñ¾ã¦ãã/(‚ãããäÔ¦ã) ‡ãñŠ ‚ã©ã ‚ããõÀ
ƒãä¦ã ÍãñÓã ‡ãŠã Ôã½ãã£ãã¶ã recognised in Balance Sheet
Opening Net Liability as
1 ‚ã¹ãÆÊõ ã 2008 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
ãä¶ãÌãÊã ¹ãÆãÀâãä¼ã‡ãŠ ªñ¾ã¦ãã 3725.20 3723.74 — — At 1st April 2008 3725.20 3723.74 — —

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 ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã ØãÆñÞ¾ãì›ãè Pension Plan Gratuity
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Previous Current Previous
Year Year Year Year
Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã ̾ã¾ã 1851.38 885.60 49.00 5.00
Expenses as recognised in
¹ãîÌãÃÌã¦ããê †Ôãºããè†Ôã ‡ãñŠ ‚ããä¼ãØãÆÖ¥ã
profit and loss account 1851.38 885.60 49.00 5.00
Ôãñ ¹ãÆ㹦㠪ñ¾ã¦ãã†â 571.36 — 121.66 —
Liabiliy on account of
¹ãîÌãÃÌã¦ããê †Ôãºããè†Ôã ‡ãñŠ ‚ããä¼ãØãÆÖ¥ã
acquisition of eSBS 571.36 — 121.66 —
Ôãñ ¹ãÆ㹦㠂ãããäÔ¦ã¾ããú 172.91 — 90.21 —
Assets on account of
ãä¶ã¾ããñ‡ã‹¦ãã ‡ãŠã ‚ãâÍãªã¶ã 356.44 884.14 49.00 5.00
acquisition of eSBS 172.91 — 90.21 —
¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ‡ãŠãè ØãƒÃ ãä¶ãÌãÊã
Employers Contribution 356.44 884.14 49.00 5.00
ªñ¾ã¦ãã / (‚ãããäÔ¦ã) 5618.59 3725.20 31.45 —
Net liability/(Asset)
ºãö‡ãŠ ‡ãŠãñ ‚ãØãÊãñ ãäÌã§ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ã¹ã¶ããè ãä¶ã¾ã¦ã Êãã¼ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã ‚ããõÀ ØãÆñÞ¾ãì›ãè ¾ããñ•ã¶ãã ½ãò ‰ãŠ½ãÍã: recognised in Balance Sheet 5618.59 3725.20 31.45 —
Á.735 ‡ãŠÀãñü¡ ¦ã©ãã Á.45 ‡ãŠÀãñü¡ ‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀ¶ãñ ‡ãŠãè ‚ããÍãã Öõ.
During the next financial year, the Bank expects to pay Rs. 735 crores
31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ØãÆñÞ¾ãì›ãè ãä¶ããä£ã ‚ããõÀ ¹ãòÍã¶ã ãä¶ããä£ã ‡ãŠãè ¾ããñ•ã¶ãã - ‚ãããäÔ¦ã¾ããò and Rs. 45 crores in respect of defined benefit Pension Plan and Gratuity
‡ãñŠ ‚ã£ããè¶ã ãä‡ãŠ† ØㆠãäÌããä¶ã£ãã¶ã ãä¶ã½¶ãã¶ãìÔããÀ Öö : Plan respectively.
ØãÆñÞ¾ãì›ãè ãä¶ããä£ã ¹ãòÍã¶ã ãä¶ããä£ã Investments under Plan Assets of Gratuity Fund & Pension Fund as on
‚ãããäÔ¦ã¾ããò ‡ãŠãè Ñãñ¥ããè ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò 31st March 2009 are as follows:
‡ãŠã % ‡ãŠã % Gratuity Fund Pension Fund
‡ãòŠ³ ÔãÀ‡ãŠãÀ ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú 34.41 Category of Assets % of Plan Assets % of Plan Assets

À㕾ã ÔãÀ‡ãŠãÀ ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú 23.28 Central Govt. Securities 34.41

State Govt. Securities 23.28
ÔããÌãÕããä¶ã‡ãŠ àãñ¨ã ‡ãñŠ ºããâ¡ 36.60
Public Sector Bonds 36.60
ºãö‡ãŠ ½ãò ãä½ã¾ããªãè •ã½ãã ÀÔããèª/ÔããÌããä£ã •ã½ãã ÀÔããèª 1.71
FDR / TDR with Bank 1.71
ºãö‡ãŠ ‡ãŠãè •ã½ããÀããäÍã¾ããú 1.57 100*
Bank Deposits 1.57 100 *
‚㶾ã 2.43
Others 2.43
¾ããñØã 100 100
Total 100 100
* ºãö‡ãŠ ½ãò ÀŒããè ØãƒÃ
* Held with the Bank
¹ãƽãìŒã ºããè½ããâãä‡ãŠ‡ãŠ ¹ãÆã‡ã‹‡ãŠÊã¶ã; Principal actuarial assumptions:
ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã†ú ØãÆñÞ¾ãì›ãè ¾ããñ•ã¶ãã†ú
Particulars Pension Plans Gratuity Plans
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
Current Previous Current Previous
ºã›á›ã ªÀ 8.00% 8.00% 7.85% 8.00% Year Year Year Year
¾ããñ•ã¶ãã ‚ãããäԦ㠹ãÀ ¹ãÆãä¦ãÊãã¼ã Discount Rate 8.00% 8.00% 7.85% 8.00%
‡ãŠãè ¹ãƦ¾ãããäÍã¦ã ªÀ 8.00% 8.00% 8.00% 8.00%
Expected Rate of return
Ìãñ¦ã¶ã ºãü¤ãñ¦ãÀãè 5.00% 5.00% 5.00% 5.00% on Plan Asset 8.00% 8.00% 8.00% 8.00%
Salary Escalation 5.00% 5.00% 5.00% 5.00%
¼ããÌããè Ìãñ¦ã¶ã ºãü¤ãñ¦ãÀãè ‡ãŠã ¹ãîÌããöãì½ãã¶ã, ºããè½ããâãä‡ãŠ‡ãŠ ½ãîʾã¶ã ‡ãŠã ¹ãÆãä¦ã¹ãŠÊã¶ã, ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠã Ôã½ããÌãñÍã¶ã, ÌããäÀÓŸ¦ãã,
The estimates of future salary growth, factored in actuarial valuation,
¹ãªãñ¸ããä¦ã ¦ã©ã㠂㶾ã Ô㽺㮠‡ãŠãÀ¥ããò ¾ã©ãã Àãñ•ãØããÀ-ºãã•ããÀ ½ãò ‚ãã¹ãîãä¦ãà ‚ããõÀ ½ããâØã ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ãã£ããÀ
take account of inflation, seniority, promotion and other relevant factors
¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ. ƒÔã ¹ãƇãŠãÀ ‡ãñŠ ‚ã¶ãì½ãã¶ã ºãÖì¦ã Ê㽺ããè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠÖõâ ‚ããõÀ ‚ã¦ããè¦ã ‡ãñŠ Ôããèãä½ã¦ã such as supply and demand in the employment market. Such estimates
‚ã¶ãì¼ãÌã /Ôããä¸ã‡ãŠ› ¼ããäÌãӾ㠇ãŠãè ‚ã¹ãñàãã‚ããò ¹ãÀ ‚ãã£ãããäÀ¦ã ¶ãÖãé Öö. ‚ã¶ãì¼ãÌã•ã¶¾ã Ôããà¾ã ¼ããè ¾ãÖãè Ôãâ‡ãñŠ¦ã are very long term and are not based on limited past experience /
immediate future. Empirical evidence also suggests that in very long
‡ãŠÀ¦ãñ Öö ãä‡ãŠ ºãÖì¦ã Ê㽺ããè ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã - Ôã¦ã¦ãá „ÞÞã Ìãñ¦ã¶ã ºãü¤ãñ¦ãÀãè ‡ãŠÀ¦ãñ ÀÖ¶ãã Ôãâ¼ãÌã ¶ãÖãé Öõ
term, consistent high salary growth rates are not possible, which has
ÊãñŒãã¹ãÀãèàã‡ãŠãò ¶ãñ ƒÔãñ ÔÌããè‡ãŠãÀ ãä‡ãŠ¾ãã Öõ. been relied upon by the auditors.

ii) ‡ãŠ½ãÃÞããÀãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ii. Employees Provident Fund

In terms of the guidance on implementing the AS-15 (Revised 2005)
¼ããÀ¦ããè¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ ÔãâÔ©ãã¶ã ‡ãñŠ ÊãñŒãã ½ãã¶ã‡ãŠ ºããñ¡Ã ´ãÀã (ÌãÓãà 2005 ½ãò ÔãâÍããñã£ä ã¦ã) ÊãñŒãã ½ãã¶ã‡ãŠ -
issued by the Institute of the Chartered Accountants of India, the
15 ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã Ôãâºãâ£ããè ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ Ôã⪼ãà ½ãò, ºãö‡ãŠ ´ãÀã Ô©ãããä¹ã¦ã ‡ãŠ½ãÃÞããÀãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ãä¶ã¾ã¦ã Employees Provident Fund set up by the Bank is treated as a defined
Êãã¼ã ¾ããñ•ã¶ãã ‡ãŠãè ¹ããäÀãä£ã ½ãò ‚ãã†Øããè ‡ã‹¾ããòãä‡ãŠ ºãö‡ãŠ ‡ãŠãñ ãä¶ã£ããÃãäÀ¦ã ¶¾ãî¶ã¦ã½ã ¹ãÆãä¦ãÊãã¼ã ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãã Öõ. benefit plan since the Bank has to meet the specified minimum rate
ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò †ñÔããè ‡ãŠãñƒÃ ‡ãŠ½ããè ¶ãÖãé ºãÞããè ©ããè ãä•ãÔã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öãñ. ¦ãª¶ãìÔããÀ, of return. As at the year end, no shortfall remains unprovided for.
Accordingly, other related disclosures in respect of Provident Fund
¼ããäÌãÓ¾ã ãä¶ããä£ã ‡ãñŠ Ôãâºãâ£ã ½ãò ‚㶾ã Ôãâºãâãä£ã¦ã ¹ãƇ㊛ãè‡ãŠÀ¥ããò ‡ãŠã „ÊÊãñŒã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. Á. 337.53 have not been made and an amount of Rs.337.53 crores (Previous
‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 344.60 ‡ãŠÀãñü¡) ‡ãŠãè ÀããäÍã ‡ãŠãñ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò "‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ Year Rs. 344.60 crores) is recognised as an expense towards the
¼ãìØã¦ãã¶ã ‚ããõÀ „¶ã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã" ÍããèÓãà ‡ãñŠ ‚ãâ¦ãØãæã Íãããä½ãÊã ºãö‡ãŠ ‡ãŠãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ¾ããñ•ã¶ãã ¹ãÀ ãä‡ãŠ† Provident Fund scheme of the Bank included under the
head “Payments to and provisions for employees” in Profit and
Øㆠ̾ã¾ã ‡ãñŠ ¹㠽ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. Loss Account.
iii) ‚㶾㠪ãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ã iii. Other Long term Employee Benefits
Á. 49.05 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 133.40 ‡ãŠÀãñü¡) ‡ãŠãè ÀããäÍã ‡ãŠãñ ¼ãìØã¦ãã¶ã Üã›ã‡ãŠÀ ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè Amount of Rs. 49.05 crores (Previous Year expenditure Rs. 133.40
crores) net of payments is written back towards Long term Employee
ãäÖ¦ãÊãã¼ããò ‡ãñŠ ¹㠽ãò ¹ãÆãä¦ããäÊããäŒã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ƒÔãñ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò "‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ
Benefits and is included under the head “Payments to and provisions
¼ãìØã¦ãã¶ã ‚ããõÀ „¶ã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã" ÍããèÓãà ‡ãñŠ ‚㶦ãØãæã Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ. for employees” in Profit and Loss account.

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 ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ãäÌããä¼ã¸ã ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè-ãäÖ¦ãÊãã¼ã ¾ããñ•ã¶ãã ‡ãñŠ ãäÊㆠãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ããò ‡ãŠã ãäÌãÌãÀ¥ã : Details of Provisions made for various long Term Employees’ Benefits
during the year;
‰ãŠ½ã Ôãâ. ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè - ãäÖ¦ãÊãã¼ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
1 ÔãñÌãããä¶ãÌãðãä§ã ‡ãñŠ Ôã½ã¾ã ‚ãÌã‡ãŠãÍã ¶ã‡ãŠªãè‡ãŠÀ¥ã Sr. Long Term Employees’ Benefits Current Prevous
‡ãñŠ Ôãã©ã ‚ããä•ãæ㠂ãÌã‡ãŠãÍã (¶ã‡ãŠªãè‡ãŠÀ¥ã) -33.58 88.00 No. Year Year

2 ‚ãÌã‡ãŠãÍã ¾ãã¨ãã ‚ããõÀ ØãðÖ ¾ãã¨ãã ãäÀ¾ãã¾ã¦ã 1 Privilege Leave (Encashment) incl. leave
encashment at the time of retirement -33.58 88.00
(¶ã‡ãŠªãè‡ãŠÀ¥ã / „¹ã¾ããñØã) -0.81 25.12
2 Leave Travel and Home Travel
3 ‚ãÔÌãÔ©ã¦ãã ‚ãÌã‡ãŠãÍã -17.06 18.40
Concession (Encashment/Availment) -0.81 25.12
4 À•ã¦ã •ãâ¾ã¦ããè ‚ãÌãã¡Ã -6.35 1.22
3 Sick Leave -17.06 18.40
5 ‚ããä£ãÌããäÓãæãã ¹ãÀ ¹ãì¶ããä¶ããããÃÀ¥ã ̾ã¾ã 2.55 3.73 4 Silver Jubilee Award -6.35 1.22
6 ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãÌã‡ãŠãÍã 5.78 -2.02 5 Resettlement Expenses on Superannuation 2.55 3.73
7 ÔãñÌãããä¶ãÌãðãä§ã ‚ãÌãã¡Ã 0.42 -1.05 6 Casual Leave 5.78 -2.02
¾ããñØã -49.05 133.40 7 Retirement Award 0.42 -1.05
Total -49.05 133.40
Üã) Œãâ¡ ÔãîÞã¶ãã
1. Œãâ¡ ‚ããä¼ããä¶ã£ããÃÀ¥ã d) Segment Reporting:
‡ãŠ) ¹ãÆã©ããä½ã‡ãŠ (̾ãÌãÔãã¾ã Œãâ¡) 1. Segment identification
ãä¶ã½¶ããäÊããäŒã¦ã ºãö‡ãŠ ‡ãñŠ ¹ãÆã©ããä½ã‡ãŠ Œãâ¡ Öõ :- A) Primary (Business Segment)
- ‡ãŠãñÓã The following are the primary segments of the Bank :
— Treasury
- ‡ãŠãÀ¹ããñÀñ› / ©ããñ‡ãŠ ºãöãä‡ãâŠØã — Corporate / Wholesale Banking
- ŒãìªÀã ºãöãä‡ãâŠØã — Retail Banking
- ‚㶾㠺ãöãä‡ãâŠØã ̾ãÌãÔãã¾ã — Other Banking Business
ºãö‡ãŠ ‡ãŠãè Ìã¦ãýãã¶ã ÊãñŒãã-ãä¶ã£ããÃÀ¥ã ‚ããõÀ ÔãîÞã¶ãã ¹ãÆ¥ããÊããè ½ãò „¹ãÀãñ‡ã‹¦ã Œãâ¡ãò Ôãñ Ô㽺㮠‚ããâ‡ãŠü¡ã ÔãâØãÆÖ¥ã The present accounting and information system of the Bank does not
‚ããõÀ ãä¶ãÓ‡ãŠÓãå㠇ãŠãè ¹ãð©ã‡ãŠá ̾ãÌãÔ©ãã ¶ãÖãé Öõ. ¦ã©ãããä¹ã, ãäÀ¹ããñ›Ã ‡ãŠÀ¶ãñ ‡ãŠãè Ìã¦ãýãã¶ã ÔãâØ㟶ã㦽ã‡ãŠ ‚ããõÀ support capturing and extraction of the data in respect of the above
segments separately. However, based on the present internal, organisational
¹ãƺãâ£ã‡ãŠãè¾ã ÔãâÀÞã¶ãã, „Ôã½ãò Ôããä¸ããä֦㠕ããñãäŒã½ã ‚ããõÀ ¹ãÆãä¦ãÊãã¼ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ Ìã¦ãýãã¶ã ½ãîÊã-Œãâ¡ãñâ ‡ãŠãñ
and management reporting structure and the nature of their risk and
ãä¶ã½¶ãÌã¦ã ¹ãì¶ãÔãýãîãäÖ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ : returns, the data on the primary segments have been computed as under:
‡ãŠ) ‡ãŠãñÓã - ‡ãŠãñÓã Œãâ¡ ½ãò Ôã½ãÔ¦ã ãäÌããä¶ã£ãã¶ã ¹ããñ›Ã¹ãŠãñãäÊã¾ããñ ‚ããõÀ ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã ‚ããõÀ ¡ñÀãèÌãñãä›ÌÔã a) Treasury - The Treasury Segment includes the entire investment
ÔãâãäÌãªã†â Íãããä½ãÊã Öö. ‡ãŠãñÓã Œãâ¡ ‡ãŠãè ‚ãã¾ã ½ãîÊã¦ã: ̾ãã¹ããÀ-¹ããäÀÞããÊã¶ããò ‡ãñŠ Íãìʇ㊠‚ããõÀ ƒÔãÔãñ portfolio and trading in foreign exchange contracts and derivative
Öãñ¶ãñ ÌããÊãñ Êãã¼ã / Öããä¶ã ¦ã©ãã ãäÌããä¶ã£ãã¶ã ¹ããñ›Ã¹ãŠãñãäÊã¾ããñ ‡ãŠã º¾ãã•ã-‚ãã¾ã ¹ãÀ ‚ãã£ãããäÀ¦ã Öõ. contracts. The revenue of the treasury segment primarily consists of
Œã) ‡ãŠãÀ¹ããñÀñ› / ©ããñ‡ãŠ ºãöãä‡ãâŠØã - ‡ãŠãÀ¹ããñÀñ› / ©ããñ‡ãŠ ºãöãä‡ãâŠØã Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæ㠇ãŠãÀ¹ããñÀñ› ÊãñŒãã fees and gains or losses from trading operations and interest income
on the investment portfolio.
Ôã½ãîÖ, ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ‚ããõÀ ¦ã¶ããÌãØãÆԦ㠂ãããäԦ㠹ãƺãâ£ã¶ã Ôã½ãîÖ ‡ãŠãè ¨ãÉ¥ã -
b) Corporate / Wholesale Banking - The Corporate / Wholesale Banking
Øããä¦ããäÌããä£ã¾ããú Ôããä½½ããäÊã¦ã Öö. ƒ¶ã‡ãñŠ ´ãÀã ‡ãŠãÀ¹ããñÀñ› ‚ããõÀ ÔãâÔ©ããØã¦ã ØãÆãÖ‡ãŠãò ‡ãŠãñ ¨ãɥ㠂ããõÀ
segment comprises the lending activities of Corporate Accounts
Êãñ¶ã-ªñ¶ã ÔãñÌãã†ú ¹ãƪã¶ã ‡ãŠãè •ãã¦ããè Öö. ƒ¶ã‡ãñŠ ‚ãâ¦ãØãæã ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ØãõÀ - ‡ãŠãñÓã Group, Mid Corporate Accounts Group and Stressed Assets
¹ããäÀÞããÊã¶ã ¼ããè Íãããä½ãÊã Öö. Management Group. These include providing loans and transaction
Øã) ŒãìªÀã ºãöãä‡ãâŠØã - ŒãìªÀã ºãöãä‡ãâŠØã Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæã ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ ‡ãŠãè ÍããŒãã†ú ‚ãã¦ããè services to corporate and institutional clients and further include
Öö. ƒ¶ã ÍããŒãã‚ããò ‡ãñŠ ‡ãŠã¾ãÇãŠÊãã¹ã ½ãò ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖ Ôãñ Ô㽺㮠‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãŠãñ non treasury operations of foreign offices.
¨ãɥ㠄¹ãÊ㺣㠇ãŠÀã¶ãñ ÔããäÖ¦ã - Ìãõ¾ããä‡ã‹¦ã‡ãŠ ºãöãä‡ãâŠØã Øããä¦ããäÌããä£ã¾ããú Íãããä½ãÊã Öö. †•ãòÔããè ̾ãÌãÔãã¾ã c) Retail Banking - The Retail Banking Segment comprises of branches
‚ããõÀ †›ã膽㠼ããè ƒÔããè Ôã½ãîÖ ½ãò ‚ãã¦ãñ Öö. in National Banking Group, which primarily includes personal
Banking activities including lending activities to corporate customers
Üã) ‚㶾㠺ãöãä‡ãâŠØã ̾ãÌãÔãã¾ã - •ããñ Œãâ¡ „¹ã¾ãìÇ㋦ã (‡ãŠ) Ôãñ (Øã) ‡ãñŠ ‚ãâ¦ãØãæã ÌãØããê‡ãðŠ¦ã ¶ãÖãé having Banking relations with branches in the National Banking
Öì† Öö „¶Öò ƒÔã ¹ãÆã©ããä½ã‡ãŠ Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæã ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ Group. This segment also includes agency business and ATM’s
d) Other Banking business – Segments not classified under (a) to (c)
Œã) Øããõ¥ã (¼ããõØããñãäÊã‡ãŠ Œãâ¡) above are classified under this primary segment.
i) ªñÍããè¾ã ¹ããäÀÞããÊã¶ã - ¼ããÀ¦ã ½ãò ¹ããäÀÞãããäÊã¦ã ÍããŒãã†ú/‡ãŠã¾ããÃÊã¾ã B) Secondary (Geographical Segment)
ii) ãäÌãªñÍããè ¹ããäÀÞããÊã¶ã - ¼ããÀ¦ã Ôãñ ºããÖÀ ¹ããäÀÞãããäÊã¦ã ÍããŒãã†ú / ‡ãŠã¾ããÃÊã¾ã i) Domestic Operations - Branches/Offices having operations in India
ii) Foreign Operations - Branches/Offices having operations outside
¦ã©ãã ¼ããÀ¦ã ½ãò ¹ããäÀÞãããäÊã¦ã Ôã½ãì³¹ããÀãè¾ã ºãöãä‡ãâŠØã ƒ‡ãŠãƒ¾ããú India and offshore Banking units having operations in India
Øã) ‚ãâ¦ãÀ-Œãâ¡ãè¾ã ‚ãâ¦ãÀ¥ããò ‡ãŠã ½ãîʾã-ãä¶ã£ããÃÀ¥ã
C) Pricing of Inter-segmental transfers
ŒãìªÀã ºãöãä‡ãâŠØã ÔãâÔãã£ã¶ã-ÔãâØãÆ֥㠇ãŠãè ¹ãÆã©ããä½ã‡ãŠ ƒ‡ãŠãƒÃ Öõ. ‡ãŠãñÓããè¾ã †Ìãâ ‡ãŠãÀ¹ããñÀñ› / ©ããñ‡ãŠ ºãõãä‡ãâŠØã †Ìãâ
The Retail Banking segment is the primary resource mobilising unit. The
‡ãŠãñÓã Œãâ¡ ŒãìªÀã ºãöãä‡ãŠâØã Œãâ¡ Ôãñ ãä¶ããä£ã¾ããú ¹ãÆ㹦㠇ãŠÀ¦ãñ Öö. ºãã•ããÀ Ôãñ Ô㽺㮠ãä¶ããä£ã ‚ãâ¦ãÀ¥ã ½ãîʾã-
Corporate/Wholesale Banking and Treasury segments are recipient of funds
ãä¶ã£ããÃÀ¥ã (†½ã‚ããÀ†¹ãŠ›ãè¹ããè) Íãì ãä‡ãŠ¾ãã Øã¾ãã Öõ, ãä•ãÔã‡ãñŠ ‚ã£ããè¶ã ãä¶ã£ããè‡ãŠÀ¥ã ‡ãñŠ¶³ (¹ãâŠãä¡âØã Ôãò›À) from Retail Banking. Market related Funds Transfer Pricing (MRFTP) is
¶ãã½ã‡ãŠ †‡ãŠ ¹ãð©ã‡ãŠá ƒ‡ãŠãƒÃ Ôãðãä•ã¦ã ‡ãŠãè ØãƒÃ Öõ. ãä¶ã£ããè‡ãŠÀ¥ã ‡ãñŠ¶³ (¹ãâŠãä¡âØã Ôãò›À) „¶ã ãä¶ããä£ã¾ããò ‡ãŠãñ ‚ãã¶ãì½ãããä¶ã‡ãŠ followed under which a separate unit called Funding Centre has been
¹ã Ôãñ ŒãÀã誦ãã Öõ, •ããñ ̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò ½ãò •ã½ããÀããäÍã¾ããò ¾ãã „£ããÀÀããäÍã¾ããò ‡ãñŠ ¹㠽ãò „ªá¼ãî¦ã created. The Funding Centre notionally buys funds that the business units
Öãñ¦ããè Öõâ ‚ããõÀ ‚ãããäÔ¦ã Ôãð•ã¶ã ‡ãŠÀ¶ãñ ½ãò ÊãØããè ̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò ‡ãŠãñ ƒ¶ã ãä¶ããä£ã¾ããò ‡ãŠã ‚ãã¶ãì½ãããä¶ã‡ãŠ ãäÌã‰ãŠ¾ã raise in the form of deposits or borrowings and notionally sell funds to
‡ãŠÀ¦ãã Öõ. business units engaged in creating assets.
Üã) ̾ã¾ã, ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠã ‚ããºã⛶ã D) Allocation of Expenses, Assets and liabilities
‡ãŠãÀ¹ããñÀñ› ‡ãòŠ³ ‡ãŠãè ÔãâÔ©ãã¹ã¶ãã‚ããò ½ãò ãä‡ãŠ† Øㆠ̾ã¾ã •ããñ Ôããè£ãñ ‡ãŠãÀ¹ããñÀñ›/©ããñ‡ãŠ ºãöãä‡ãâŠØã †Ìãâ ŒãìªÀã Expenses incurred at Corporate Centre establishments directly attributable
ºãõãä‡ãâŠØã ¹ããäÀÞããÊã¶ããñâ ‚ã©ãÌãã ‡ãŠãñÓããè¾ã ¹ããäÀÞããÊã¶ã Œãâ¡ Ôãñ Ôãâºãâãä£ã¦ã Öö, ¦ãª¶ãìÔããÀ ‚ããºãâã䛦ã ãä‡ãŠ† Øㆠeither to Corporate / Wholesale and Retail Banking Operations or to
Öö. Ôããè£ãñ Ôãâºãâ£ã ¶ã ÀŒã¶ãñ ÌããÊãñ ̾ã¾ã ¹ãƦ¾ãñ‡ãŠ Œãâ¡ ‡ãñŠ ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãè Ôã⌾ãã/Ôããè£ãñ Ôãâºãâ£ã ÀŒã¶ãñ Treasury Operations segment, are allocated accordingly. Expenses not
ÌããÊãñ ̾ã¾ã ‡ãñŠ ‚ã¶ãì¹ãã¦ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‚ããâºãã䛦ã ãä‡ãŠ† ØㆠÖö. directly attributable are allocated on the basis of the ratio of number of
employees in each segment/ratio of directly attributable expenses.
ºãö‡ãŠ ‡ãñŠ ¹ããÔã †ñÔããè Ôãã½ã㶾㠂ãããäÔ¦ã¾ããú ‚ããõÀ ªñ¾ã¦ãã†ú Öö ãä•ã¶Öò ãä‡ãŠÔããè Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæã Íãããä½ãÊã
¶ãÖãé ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã, ‚ã¦ã: ƒ¶Öò ‚ã¶ããºãâã䛦ã Ñãñ¥ããè ½ãò ÀŒãã Øã¾ãã Öõ. The Bank has certain common assets and liabilities which cannot be
attributed to any segment and the same are treated as unallocated.

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2) Œãâ¡ ÔãîÞã¶ãã / Segment Information
¼ããØ㠇㊠: ¹ãÆã©ããä½ã‡ãŠ (̾ãÌãÔãã¾ã Œãâ¡)
Part A : Primary (Business segments)

̾ãÌãÔãã¾ã Œãâ¡ ‡ãŠãñÓã ‡ãŠãÀ¹ããñÀñ›/©ããñ‡ãŠ ºãõâãä‡ãŠâØã ŒãìªÀã ºãõâãä‡ãŠâØ㠂㶾㠺ãõâãä‡ãŠâØã ¹ããäÀÞããÊã¶ã ãä¶ãÀÔã¶ã ¾ããñØã
Business Segments Treasury Corporate/Wholesale Retail Other Elimination Total
Banking Banking Banking Operations

‚ãã¾ã
Revenue # 19838.88 24241.41 32398.93 76479.22
¹ããäÀ¥ãã½ã
Result # 3744.64 5071.11 7222.86 16038.61
‚ã¶ããºãâã䛦ã ̾ã¾ã
Unallocated Income /
(Expenses) - net # (1857.97)
¹ããäÀÞããÊã¶ã Êãã¼ã
Operating Profit # 14180.64
‡ãŠÀ
Tax # (5059.41)
‚ãÔãã£ããÀ¥ã Êãã¼ã
Extraordinary Profit # —
ãää¶ãÌãÊã Êãã¼ã
Net Profit # 9121.23
‚㶾ã ÔãîÞã¶ãã :
Other Information :
Œãâ¡ ‚ãããäÔ¦ã¾ããú
Segment Assets * 319326.13 262838.92 657266.91 280838.14 958593.82
‚ã¶ããºãâã䛦㠂ãããäÔ¦ã¾ããú
Unallocated Assets * 5838.26
‡ãìŠÊã ‚ãããäÔ¦ã¾ããú
Total Assets * 964432.08
Œãâ¡ ªñ¾ã¦ãã†ú
Segment Liabilities * 190703.86 254287.95 707596.46 280838.14 871750.13
‚ã¶ããºãâã䛦㠪ñ¾ã¦ãã†ú
Unallocated Liabilities * 34734.25
‡ãìŠÊã ªñ¾ã¦ãã†ú
Total Liabilities * 906484.38

¼ããØã Œã : ãä´¦ããè¾ã‡ãŠ (¼ããõØããñãäÊã‡ãŠ Œãâ¡)

Part B : Secondary (Geographic Segments)
ªñÍããè ãääÌãªñÍããè ¾ããñØã
Domestic Foreign Total
ÞããÊãî ÌãÓãà ãää¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãää¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãää¹ãœÊãã ÌãÓãÃ
Current Year Previous Year Current Year Previous Year Current Year Previous Year
‚ãã¾ã
Revenue # 71563.34 51493.43 4915.88 6151.81 76479.22 57645.24
‚ãããäÔ¦ã¾ããú
Assets * 856147.58 632865.94 108284.50 88660.37 964432.08 721526.31
* 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ # 31 ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊã†
As at 31st March 2009 For the year ended 31st March 2009

147

C147 K147
Ý) Ôãâºãâãä£ã¦ã ¹ãàã ¹ãƇ㊛ãè‡ãŠÀ¥ã e) Related Party Disclosures
1 Ôãâºãâãä£ã¦ã ¹ãàã 1. Related Parties
‡ãŠ. ‚ã¶ãìÓãâãäØã¾ããú A. SUBSIDIARIES
i. DOMESTIC BANKING SUBSIDIARIES
i. ªñÍããè¾ã ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããú
1. State Bank of Bikaner & Jaipur
1. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ºããè‡ãŠã¶ãñÀ †â¡ •ã¾ã¹ãìÀ 2. State Bank of Hyderabad
2. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÖõªÀãºã㪠3. State Bank of Indore
3. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ƒâªãõÀ 4. State Bank of Mysore
4. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ½ãõÔãîÀ 5. State Bank of Patiala
5. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ¹ãã䛾ããÊãã 6. State Bank of Saurashtra
6. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È (13 ‚ãØãÔ¦ã 2008 ¦ã‡ãŠ, ªñŒãò ¶ããñ› 18.11) (upto13th August 2008, refer note 18.11)
7. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ¨ããÌã¥ã‡ãŠãñÀ 7. State Bank of Travancore
8. †Ôãºããè‚ãム‡ãŠãù½ããäÍãþãÊ㠆⡠ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ ãäÊã. 8. SBI Commercial and International Bank Ltd.
ii. ãäÌãªñÍããè¾ã ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããú ii. FOREIGN BANKING SUBSIDIARIES
1. †Ôãºããè‚ãム(½ããùÀãèÍãÔã) ãäÊã. 1. SBI (Mauritius) Ltd.
2. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ƒâã䡾ãã (‡ãŠ¶ãã¡ã) 2. State Bank of India (Canada)
3. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ƒâã䡾ãã (‡ãõŠãäÊã¹ãŠãñãä¶ãþãã). 3. State Bank of India (California)
4. ‡ãŠãù½ããäÍãþãÊã ºãö‡ãŠ ‚ããù¹ãŠ ƒâã䡾ãã †Êã†ÊãÔããè, ½ããÔ‡ãŠãñ (##) 4. Commercial Bank of India LLC, Moscow (##)
5. ¹ããè›ãè ºãö‡ãŠ ƒâ¡ãñ ½ããñ¶ãñ‡ã‹Ôã 5. PT Bank Indo Monex
iii. ªñÍããè ØãõÀ-ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããú iii. DOMESTIC NON-BANKING SUBSIDIARIES
1. †Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà †â¡ ‡ãŠãù½ããäÍãþãÊã ÔããäÌãÃÔãñ•ã ¹ãÆã. ãääÊã. 1. SBI Factors & Commercial Services Pvt. Ltd.
2. †Ôãºããè‚ãム‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ›áÔã ãäÊããä½ã›ñ¡ 2. SBI Capital Markets Limited
3. †Ôãºããè‚ãム¡ã膹㊆Þã‚ãムãäÊããä½ã›ñ¡ 3. SBI DFHI Limited
4. †Ôãºããè‚ãム½¾ãîÞãì‚ãÊã ¹ã⊡ ›ÈÔ›ãè ‡ã⊹ã¶ããè ¹ãÆã. ãäÊã. 4. SBI Mutual Funds Trustee Company Pvt. Ltd
5. †Ôãºããè‚ãム‡ãõŠ¹ã ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊã. 5. SBI CAP Securities Ltd.
6. †Ôãºããè‚ãム‡ãõŠ¹Ôã ÌãöÞãÔãà ãäÊã. 6. SBI CAPS Ventures Ltd.
7. †Ôãºããè‚ãム‡ãõŠ¹ã ›ÈÔ›ãè•ã ‡ãâŠ. ãäÊã. 7. SBI CAP Trustees Co. Ltd.
8. †Ôãºããè‚ãム‡ãŠã¡ÃáÔ㠆⡠¹ãñ½ãò›áÔã ÔããäÌãÃÔãñ•ã ¹ãÆã. ãäÊã. (##) 8. SBI Cards & Payment Services Pvt. Ltd.(##)
9. †Ôãºããè‚ãム¹ã⊡áÔã ½ãõ¶ãñ•ã½ãò› ¹ãÆã. ãäÊã. (##) 9. SBI Funds Management Pvt. Ltd. (##)
10. †Ôãºããè‚ãムÊãヹ㊠ƒâ;ããñÀòÔã ‡ã⊹ã¶ããè ãäÊã. (##) 10. SBI Life Insurance Company Ltd. (##)
11. †Ôãºããè‚ãム¹ãòÍã¶ã ¹ã⊡ ¹ãÆãƒÌãñ› ãäÊã. 11. SBI Pension Fund Private Limited
12. †Ôãºããè‚ãム‡ãŠÔ›ãñãä¡‚ãÊã ÔããäÌãÃÔãñ•ã ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ (##) 12. SBI Custodial Services Private Limited (##)
13. ØÊããñºãÊã ›Èñ¡ ¹ãŠãƒ¶ãòÔã ãäÊã. 13. Global Trade Finance Ltd.
14. †Ôãºããè‚ãム•ã¶ãÀÊã ƒâ;ããñÀòÔã ‡ã⊹ã¶ããè ãäÊã. 14. SBI General Insurance Company Ltd
iv. ãäÌãªñÍããè ØãõÀ-ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããú iv. FOREIGN NON-BANKING SUBSIDIARIES
1. †Ôãºããè‚ãム‡ãõŠ¹ã (¾ãî‡ãñŠ) ãäÊã. 1. SBICAP (UK) Ltd.
2. †Ôãºããè‚ãム¹ã⊡áÔã ½ãõ¶ãñ•ã½ãò› (ƒâ›À¶ãñÍã¶ãÊã) ¹ãÆãƒÌãñ› ãäÊã. (##) 2. SBI Funds Management (International) Private Ltd.(##)
## ¾ãñ ‡ã⊹ããä¶ã¾ããú Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã Öö. ## These entities are jointly controlled.
Œã. Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã ‡ã⊹ããä¶ã¾ããú B. JOINTLY CONTROLLED ENTITIES
1. •ããèƒÃ ‡ãõŠãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãâò› ÔããäÌãÃÔãñ•ã ¹ãÆã. ãäÊã. 1. GE Capital Business Process Management Services Pvt. Ltd
2. Ôããè-†•ã ›ñ‡ãŠ¶ããñÊããù•ããè•ã ãäÊã. 2. C-Edge Technologies Ltd.
Øã. ÔãÖ¾ããñØããè C. ASSOCIATES
i. àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ i. Regional Rural Banks
1. Andhra Pradesh Grameena Vikas Bank
1 ‚ããâ£ãÆ ¹ãƪñÍã ØãÆã½ããè¥ã ãäÌã‡ãŠãÔã ºãö‡ãŠ
2. Arunachal Pradesh Rural Bank
2 ‚ãÁ¥ããÞãÊã ¹ãƪñÍã ÂÀÊã ºãö‡ãŠ
3. Cauvery Kalpatharu Grameena Bank
3 ‡ãŠãÌãñÀãè ‡ãŠÊ¹ã¦ãÁ ØãÆã½ããè¥ã ºãö‡ãŠ
4. Chhattisgarh Gramin Bank
4 œ¦¦ããèÔãØãü¤ ØãÆã½ããè¥ã ºãö‡ãŠ
5. Deccan Grameena Bank
5 ¡ñ‡ã‹‡ãŠ¶ã ØãÆã½ããè¥ã ºãö‡ãŠ
6. Ellaquai Dehati Bank
6 ƒÊãã‡ãŠãƒÃ ªñÖã¦ããè ºãö‡ãŠ
7. Meghalaya Rural Bank
7 ½ãñÜããÊã¾ã ÂÀÊã ºãö‡ãŠ 8. Krishna Grameena Bank
8 ‡ãðŠÓ¥ãã ØãÆã½ããè¥ã ºãö‡ãŠ 9. Langpi Dehangi Rural Bank
9 ÊãâØã¹ããèè ªñÖãâØããè ÂÀÊã ºãö‡ãŠ 10. Madhya Bharat Gramin Bank
10 ½ã£¾ã ¼ããÀ¦ã ØãÆã½ããè¥ã ºãö‡ãŠ 11. Malwa Gramin Bank
11 ½ããÊãÌãã ØãÆã½ããè¥ã ºãö‡ãŠ 12. Marwar Ganganagar Bikaner Bank
12 ½ããÀÌããü¡ ØãâØãã¶ãØãÀ ºããè‡ãŠã¶ãñÀ ºãö‡ãŠ 13. Mizoram Rural Bank
13 ãä½ã•ããñÀ½ã ÂÀÊã ºãö‡ãŠ 14. Nagaland Rural Bank
14 ¶ããØããÊãö¡ ÂÀÊã ºãö‡ãŠ 15. Parvatiya Gramin Bank
15 ¹ãÌãæããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 16. Purvanchal Kshetriya Gramin Bank
16 ¹ãîÌããÄÞãÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 17. Samastipur Kshetriya Gramin Bank
17 Ôã½ãÔ¦ããè¹ãìÀ àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 18. Saurashtra Gramin Bank
18 ÔããõÀãÓ›È ØãÆã½ããè¥ã ºãö‡ãŠ 19. Utkal Gramya Bank
19 „¦‡ãŠÊã ØãÆ㽾㠺ãö‡ãŠ 20. Uttaranchal Gramin Bank
20 „§ãÀãâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ 21. Vananchal Gramin Bank
21 Ìã¶ããâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ 22. Vidisha Bhopal Kshetriya Gramin Bank
22 ãääÌããäªÍãã ¼ããñ¹ããÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ii. Others
ii. ‚㶾ã 1. SBI Home Finance Limited
1. †Ôãºããè‚ãムÖãñ½ã ¹ãŠãƒ¶ãòÔã ãäÊããä½ã›ñ¡ 2. Clearing Corporation of India Ltd.
2. ãä‡ã‹Êã¾ããäÀâØã ‡ãŠãÀ¹ããñÀñÍã¶ã ‚ããù¹ãŠ ƒâã䡾ãã ãäÊã. 3. Nepal SBI Bank Ltd.
3. ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊã.

148

C148 K148
 4. ºãö‡ãŠ ‚ããù¹ãŠ ¼ãî›ã¶ã 4. Bank of Bhutan
5. ¾ãî›ãè‚ããƒÃ †Ôãñ› ½ãõ¶ãñ•ã½ãò› ‡ã⊹ã¶ããè ¹ãÆã. ãäÊã. 5. UTI Asset Management Company Pvt. Ltd.
6. †Ôã. †Ôã. ÌãòÞãÔãà ÔããäÌãÃÔãñ•ã ãäÊã. 6. S S Ventures Services Ltd.
Üã. ºãö‡ãŠ ‡ãñŠ ¹ãƽãìŒã ¹ãƺãâ£ã¶ã ‡ãŠããä½ãÇ㊠D. Key Management Personnel of the Bank
1. Ñããè ‚ããñ.¹ããè. ¼ã›á›, ‚㣾ãàã 1. Shri O. P. Bhatt, Chairman
2. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ 2. Shri S. K. Bhattacharyya, Managing Director
3. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ 5 ãäªÔ㽺ãÀ 2008 Ôãñ 3. Shri R.Sridharan, Managing Director from 5th Decemeber 2008

2. ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãä•ã¶ã ¹ãàããò Ôãñ Êãñ¶ã-ªñ¶ã ãä‡ãŠ† Øㆠ2. Parties with whom transactions were entered into during the year
ÊãñŒãã ½ãã¶ã‡ãŠ (††Ôã) 18 ‡ãñŠ ‚ã¶ãìÞœñª 9 ‡ãñŠ ‚ã¶ãìÔããÀ ``ÔãÀ‡ãŠãÀ - ãä¶ã¾ãâãä¨ã¦ã No disclosure is required in respect of related parties which are
„²ã½ã'' ¹㠽ãò Ôãâºãâãä£ã¦ã ¹ãàã ‡ãñŠ Ôãâºãâ£ã ½ãò ‡ãŠãñƒÃ ¹ãƇ㊛ãè‡ãŠÀ¥ã ‚ã¹ãñãäàã¦ã ¶ãÖãââè Öõý “State-controlled Enterprises” as per paragraph 9 of Accounting
ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, ÊãñŒãã ½ãã¶ã‡ãŠ 18 ‡ãñŠ ‚ã¶ãìÞœñª 5 ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãƽãìŒã ¹ãƺãâ£ã¶ã Standard (AS) 18. Further, in terms of paragraph 5 of AS 18,
‡ãŠããä½ãÇ㊠¦ã©ãã ¹ãƽãìŒã ¹ãƺãâ£ã¶ã ‡ãŠããä½ãÇãŠãò ‡ãñŠ Ôãâºãâãä£ã¾ããò ‡ãñŠ ºããÀñ ½ãò ºãö‡ãŠÀ-ØãÆãև㊠Ôãâºãâ£ã transactions in the nature of Banker-customer relationship are not
‡ãŠãè ¹ãƇãðŠãä¦ã ÌããÊãñ Êãñ¶ãªñ¶ããò ‡ãŠã ¹ãƇ㊛ãè‡ãŠÀ¥ã ‚ããÌã;ã‡ãŠ ¶ãÖãé Öõ. ‚㶾ã ãäÌãÌãÀ¥ã required to be disclosed in respect of Key Management Personnel
ãä¶ã½¶ãã¶ãìÔããÀ Öö: and relatives of Key Management Personnel. Other particulars are
1. Ôããè-†•ã ›ñ‡ã‹¶ããñÊããù•ããè•ã ãäÊã. as under:
2. •ããèƒÃ ‡ãõŠãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãâò› ÔããäÌãÃÔãñ•ã ¹ãÆã.ãäÊã. 1. C-Edge Technologies Ltd.
3. ºãö‡ãŠ ‚ããù¹ãŠ ¼ãî›ã¶ã 2. GE Capital Business Process Management Services Pvt. Ltd.
4. ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊã. 3. Bank of Bhutan
5. †Ôãºããè‚ãムÖãñ½ã ¹ãŠãƒ¶ãòÔã ãäÊã. 4. Nepal SBI Bank Ltd.
6. †Ôã †Ôã ÌãòÞãÔãà ÔããäÌãÃÔãñÔã ãäÊã. 5. SBI Home Finance Ltd.
7. Ñããè ‚ããñ. ¹ããè. ¼ã›á›, ‚㣾ãàã 6. S S Ventures Services Ltd
8. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ 7. Shri O. P. Bhatt, Chairman
9. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ 5 ãäªÔ㽺ãÀ 2008 Ôãñ 8. Shri S. K. Bhattacharyya, Managing Director
9. Shri R.Sridharan, Managing Director from 5th Decemeber 2008

3. Êãñ¶ãªñ¶ã ‚ããõÀ ÍãñÓã ÀããäÍã¾ããú

3. Transactions and Balances :
ãäÌãÌãÀ¥ã ÔãÖ¾ããñØããè/ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ¹ãƽãìŒã ¹ãƺãâ£ã¶ã ‡ãŠããä½ãÇ㊠¾ããñØã
Particulars Associates/ Key Management Total
Joint Ventures Personnel
•ã½ãã-ÀããäÍã¾ããú / Deposits # 91.07 0.69 91.76
(62.56) (0.00) (62.56)
‚㶾㠪ñ¾ã¦ãã†ú
Other Liabilities # 0.03 0.26 0.29
(0.01) (0.00) (0.01)
ãäÌããä¶ã£ãã¶ã / Investments # 19.75 0 19.75
(35.45) (0.00) (35.45)
‚ããäØãƽã # / Advances # 0.00 0.000 0.00
0.00 0.00 0.00
¹ãÆ㹦㠺¾ãã•ã * / Interest received* 0.00 0.00 0.00
0.00 0.00 0.00
Ôã⪧㠺¾ãã•ã / Interest paid* 2.70 0.00 2.70
(3.16) (0.00) (3.16)
Êãã¼ããâÍã ‡ãñŠ ¹㠽ãò ‚ããä•ãæ㠂ãã¾ã
Income earned by way of dividend* 1.89 0.00 1.89
(2.94) (0.00) (2.94)
‚㶾㠂ãã¾ã
Other Income* 0.01 0.00 0.01
(0.01) (0.00) (0.01)
‚㶾ã ̾ã¾ã / Other expenditure* 0.00 0.00 0.00
(0.00) (0.00) (0.00)
¹ãƺãâ£ã¶ã ÔãâãäÌãªã†ú
Management contracts * 0.00 0.38 0.38
(0.00) (0.54) (0.54)

(‡ãŠãñÓŸ‡ãŠãò ½ãò ã䪆 Øㆠ‚ããâ‡ãŠü¡ñ ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ Öö ) (Figures in brackets are for Previous Year)
# 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ # As at 31st March 2009
* 31 ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠ* For the year ended 31st March 2009

149

C149 K149
Þã) ¹ã›á›ñ : f) Lease:
i) 1 ‚ã¹ãÆõÊã 2001 ‡ãŠãñ ¾ãã „Ôã‡ãñŠ ¹ãÍÞãã¦ãá ãäÌã§ããè¾ã ¹ã›á›ãò ¹ãÀ ªãè ØãƒÃ ‚ãããäÔ¦ã¾ããú : ƒ¶ã ãäÌã§ããè¾ã ¹ã›á›ãò i) Assets given on Financial Lease on or after 1st April 2001: The details of
‡ãŠã º¾ããñÀã ¶ããèÞãñ ã䪾ãã Øã¾ãã Öõ: finance leases are given below:

ãäÌãÌãÀ¥ã 31½ããÞãà 2009 ‡ãŠãè 31½ããÞãà 2008 ‡ãŠãè Particulars As at As at

ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ 31-Mar-2009 31-Mar-2008

¹ã›á›ãò ½ãò ãä‡ãŠ† ØㆠÔã‡ãŠÊã ãäÌããä¶ã£ãã¶ã 37.09 43.29 Gross investment in the leases 37.09 43.29
¹ãÆ㹾㠶¾ãî¶ã¦ã½ã ¹ã›á›ã ¼ãìØã¦ãã¶ããò ‡ãŠã Ìã¦ãýãã¶ã ½ãîʾã Present value of minimum lease
payments receivable
1 ÌãÓãà Ôãñ ‡ãŠ½ã 6.48 8.91
Less than 1 year 6.48 8.91
1 Ôãñ 5 ÌãÓãà ¦ã‡ãŠ — 9.67
1 to 5 years — 9.67
5 ÌãÓãà ‚ããõÀ „ÔãÔãñ ‚ããä£ã‡ãŠ — —
5 years and above — —
¾ããñØã 6.48 18.58
Total 6.48 18.58
‚ããä•ãæ㠶㠇ãŠãè ØãƒÃ ãäÌã§ããè¾ã ‚ãã¾ã ‡ãŠã Ìã¦ãýãã¶ã ½ãîʾã 0.28 3.76
Present value of unearned finance income 0.28 3.76
ii) ¹ããäÀÞããÊã¶ã ¹ã›á›ã ii) Operating Lease
‡ãŠ. ¹ããäÀÞããÊã¶ã ¹ã›á›ãò ½ãò ‡ãŠã¾ããÃÊã¾ã ¹ããäÀÔãÀ/Ô›ã¹ãŠ ‡ã‹Ìãã›ÃÀ Íãããä½ãÊã Öö. A. Operating lease comprise of Office Premises/Staff Quarters
i. ¶¾ãî¶ã¦ã½ã ¹ã›á›ã ãä‡ãŠÀã¾ãã-ªñ¾ã * (Á. ‡ãŠÀãñü¡ ½ãò) i. Minimum Lease Rent Payable* (Rs. in Crores)
‡ãŠ. 1 ÌãÓãà ‚ã©ããæãá 2009-10 ‡ãñŠ ¹ãÍÞãã¦ãá ªñ¾ã ¶ãÖãé 30.38 a. Payable not later than 1 year i.e. 2009-10 30.38
Œã. 1 ÌãÓãà ‡ãñŠ ¹ãÍÞãã¦ãá ªñ¾ã ‚ããõÀ 5 ÌãÓããô ‚ã©ããæãá b. Payable later than 1 year and not later
2010-11 Ôãñ 2013-14 ‡ãñŠ ¹ãÍÞãã¦ãá ªñ¾ã ¶ãÖãé 100.60 than 5 years i.e. 2010-11 to 2013-14 100.60
Øã. 5 ÌãÓããô ‚ã©ããæãá 2013-14 ‡ãñŠ ¹ãÍÞãã¦ãá ªñ¾ã 23.38 c. Payable later than 5 years i.e. after 2013-14 23.38
* ‡ãñŠÌãÊã ãä¶ãÀԦ㠶ã Öãñ¶ãñ ÌããÊãñ ¹ã›á›ñ ‡ãñŠ Ôãâºãâ£ã ½ãò * in respect of Non Cancellable lease only
ii. Amount of lease charges debited to charges
ii. ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ã›á›ã Íãìʇ㊠‡ãŠãè ÀããäÍã •ããñ ŒãÞãà Œãã¦ãñ ‡ãñŠ ¶ãã½ãñ ‡ãŠãè ØãƒÃ. 385.13
account during the year 385.13
iii. ƒ¶ã ¹ã›á›ã ‡ãŠÀãÀãò ½ãò ºãö‡ãŠ ‡ãŠãñ ãä¶ãÀԦ㠶ã Öãñ¶ãñ ÌããÊããè ‚ãÌããä£ã ‡ãŠãè Ôã½ããã书㠹ãÀ ¹ã›á›ã ‚ãÌããä£ã iii. The lease agreements provide for an option to the the Bank to
‡ãñŠ ¶ãÌããè‡ãŠÀ¥ã ‡ãñŠ ãäÌã‡ãŠÊ¹ã ‡ãŠã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ƒ¶ã ¹ã›á›ã ‡ãŠÀãÀãò ½ãò ‡ãŠãñƒÃ ‚ã¹ãÌããªã¦½ã‡ãŠ/ renew the lease period at the end of non- cancellable period. There
¹ãÆãä¦ãºãâ£ã㦽ã‡ãŠ ¹ãÆÔãâãäÌãªã†â ¶ãÖãé Öö. are no exceptional/restrictive covenants in the lease agreements.
Œã. ºãö‡ãŠ ´ãÀã 31 ½ããÞãà 2009 ‡ãŠãñ ãä¶ãÀԦ㠶ã Öãñ¶ãñ ÌããÊãñ ¹ããäÀÞããÊã¶ã ¹ã›á›ãò ¹ãÀ ‡ãŠãñƒÃ ‚ãããäÔ¦ã¾ããú ¶ãÖãé B. The Bank has no assets given on non cancellable Operating Leases as
ªãè ØãƒÃ Öö. ‚ãã‡ãŠãäÔ½ã‡ãŠ ãä‡ãŠÀã¾ããò ‡ãŠãñ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã ¶ãÖãèâ ãä‡ãŠ¾ãã Øã¾ãã Öõ. Àªáª on 31st March 2009. No contingent rents have been recognised in the
ãä‡ãŠ† •ãã¶ãñ ÌããÊãñ ¹ã›á›ãò ‡ãŠã ½ãîʾ㠶ãØ㥾ã Öõ. Profit & Loss Account. The cancellable Leases are of insignificant value.
œ) ¹ãÆãä¦ã Íãñ¾ãÀ „¹ãã•ãöã : g) Earnings per Share
The Bank reports basic and diluted earnings per equity share in accordance
ºãö‡ãŠ ¶ãñ ÊãñŒãã ½ãã¶ã‡ãŠ 20, `¹ãÆãä¦ã Íãñ¾ãÀ „¹ãã•ãöã' ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãƦ¾ãñ‡ãŠ ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ ¹ãÀ ½ãîÊã ‚ããõÀ ‡ãŠ½ã with Accounting Standard 20 - “Earnings per Share”. “Basic earnings” per
‡ãŠãè ØãƒÃ ‚ãã¾ã ‡ãŠãè ÔãîÞã¶ãã ªãè Öõ. ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ‡ãŠÀ ‡ãñŠ ¹ãÍÞãã¦ãá ãä¶ãÌãÊã Êãã¼ã ‡ãŠãñ ºã‡ãŠã¾ãã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò share is computed by dividing net profit after tax by the weighted average
‡ãŠãè ¼ãããäÀ¦ã ‚ããõÔã¦ã Ôã⌾ãã Ôãñ ‚ãÊãØã ‡ãŠÀ‡ãñŠ ¹ãÆãä¦ã Íãñ¾ãÀ `½ãîÊã ‚ãã¾ã' ‡ãŠãè Øã¥ã¶ãã ‡ãŠãè ØãƒÃ Öõ. ÌãÓãà ‡ãñŠ ªãõÀã¶ã number of equity shares outstanding during the year.
‡ãŠãñƒÃ ¼ããè ‡ãŠ½ã ãä‡ãŠ† Øㆠ½ãîʾ㠇ãñŠ Ôãâ¼ãã̾㠃ãä‡ã‹Ìã›ãè Íãñ¾ãÀ ºã‡ãŠã¾ãã ¶ãÖãé Öõâ. Particulars Current Year Previous Year
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Basic and diluted
½ãîÊã ‚ããõÀ ‡ãŠ½ã ãä‡ãŠ† Øã†
Weighted average no of equity shares
¹ãÆãä¦ã Íãñ¾ãÀ ½ãîÊã ‚ãã¾ã ‡ãŠãè Øã¥ã¶ãã ‡ãñŠ ãäÊㆠ¹ãƾãì‡ã‹¦ã used in computing basic earning per share 63,44,13,120 53,14,45,447
¼ãããäÀ¦ã ‚ããõÔã¦ã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãè Ôãâ. 63,44,13,120 53,14,45,447
Add: Potential number of equity shares that
•ããòü¡ñ : ƒÃ†Ôã¹ããèÔããè ¾ããñ•ã¶ãã ‡ãñŠ ‡ãŠãÀ¥ã •ããÀãè ãä‡ãŠ† could arise on account of ESPS scheme — 5,09,911
•ãã¶ãñ ÌããÊãñ Ôãâ¼ãããäÌã¦ã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã — 5,09,911
Weighted average number of shares used
¹ãÆãä¦ã Íãñ¾ãÀ ‡ãŠ½ã ‡ãŠãè ØãƒÃ ‚ãã¾ã ‡ãŠãè Øã¥ã¶ãã ‡ãñŠ ãäÊㆠin computing diluted earning per share 63,44,13,120 53,19,55,358
¹ãƾãì‡ã‹¦ã ¼ãããäÀ¦ã ‚ããõÔã¦ã Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã 63,44,13,120 53,19,55,358
Net profit 9,121.23 6,729.12
ãä¶ãÌãÊã Êãã¼ã 9,121.23 6,729.12
Basic earnings per share (Rs.) 143.77 126.62
¹ãÆãä¦ã Íãñ¾ãÀ ½ãîÊã ‚ãã¾ã (Á.) 143.77 126.62
¹ãÆãä¦ã Íãñ¾ãÀ ‡ãŠ½ã ‡ãŠãè ØãƒÃ ‚ãã¾ã (Á.) 143.77 126.50 Diluted earnings per share (Rs.) 143.77 126.50
¹ãÆãä¦ã Íãñ¾ãÀ ¶ãã½ã½ãã¨ã ½ãîʾã (Á.) 10.00 10.00 Nominal value per share (Rs.) 10.00 10.00

•ã) ‚ãã¾ã ¹ãÀ ‡ãŠÀ ‡ãŠã ÊãñŒããâ‡ãŠ¶ã h) Accounting for Taxes on Income
i) ÌãÓãà ‡ãñŠ ªãõÀã¶ã , ‚ããÔ©ããäØã¦ã ‡ãŠÀ Ôã½ãã¾ããñ•ã¶ã ‡ãñŠ ´ãÀã Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Á. 1055.18 ‡ãŠÀãñü¡ i. During the year, Rs. 1055.10 crores [Previous Year Rs. 219.43 crores]
(ãä¹ãœÊãñ ÌãÓãà Á 219.43 ‡ãŠÀãñü¡ ) •ã½ãã ãä‡ãŠ¾ãã Øã¾ãã. has been credited to Profit and Loss Account by way of adjustment
ii) ºãö‡ãŠ ‡ãŠãè ºã‡ãŠã¾ãã ãä¶ãÌãÊã ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã Á. 1026.89 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà - ‚ããÔ©ããäØã¦ã ‡ãŠÀ of deferred tax.
ªñ¾ã¦ãã Á 42.05 ‡ãŠÀãñü¡ ©ããè), ƒÔãñ ‰ãŠ½ãÍã: ‚㶾㠂ãããäÔ¦ã¾ããú - ‚㶾㠂ããõÀ ‚㶾㠪ñ¾ã¦ãã†ú - ‚㶾ã ii. The Bank has outstanding net deferred tax asset of Rs. 1026.89 crores
½ãò •ããñü¡ ã䪾ãã Øã¾ãã Öõ. ¹ãƽãìŒã ½ãªãò ½ãò ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠã ‚ãÊãØã-‚ãÊãØã (Previous Year - Rs. 42.05 crores), which has been included in other
ãäÌãÌãÀ¥ã ãä¶ã½¶ãÌã¦ã Öõ : assets-others. The break up of deferred tax assets and liabilities into
major items is given below:
ãä Ì ãÌãÀ¥ã 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ Particulars As at As at
31-Mar-2009 31-Mar-2008
‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããú
Ìãñ¦ã¶ã ÔãâÍããñ£ã¶ã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 676.06 195.44 Deferred Tax Assets
Provision for wage revision 676.06 195.44
ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 689.21 181.06
Provision for long term
†ãä‡ã‹•ã› ãäÌã‡ãŠÊ¹ã ‡ãñŠ ãäÊㆠ¹ãƪ§ã ‚ã¶ãìØãÆÖ ÀããäÍã 98.49 145.44 employees’ benefits 689.21 181.06
‚㶾ã 174.00 118.88 Ex-gratia paid under Exit option 98.49 145.44
¾ããñØã 1637.76 640.82 Others 174.00 118.88
Total 1637.76 640.82

150

C150 K150
 ãä Ì ãÌãÀ¥ã 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè Particulars As at As at
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ 31-Mar-2009 31-Mar-2008

‚ããÔ©ããäØã¦ã ‡ãŠÀ ªñ¾ã¦ãã†ú Deferred Tax Liabilities

‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ¹ãÀ ½ãîʾãımg 115.10 103.00 Depreciation on Fixed Assets 115.10 103.00
¹ãÆãä¦ã¼ãîãä¦ã¾ããò ¹ãÀ º¾ãã•ã 495.77 495.77 Interest on securities 495.77 495.77
Total 610.87 598.77
¾ããñØã 610.87 598.77
Net Deferred Tax Assets/(Liabilities) 1026.89 42.05
ãä¶ãÌãÊã ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããú/(ªñ¾ã¦ãã†ú) 1026.89 42.05
¢ã. Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã ‡ã⊹ããä¶ã¾ããò ½ãò ãäÌããä¶ã£ãã¶ã i) Investments in jointly controlled entities

Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã ãä¶ã½¶ããäÊããäŒã¦ã ‡ã⊹ããä¶ã¾ããò ‡ãñŠ ãäÌããä¶ã£ãã¶ããò ½ãò Á.15.70 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á.15.70 Investments include Rs. 15.70 crores (Previous Year Rs.15.70 crores)
‡ãŠÀãñü¡) ‡ãŠã ºãö‡ãŠ ‡ãŠã ãäÖÔÔãã Íãããä½ãÊã Öõ : representing Bank’s interest in the following jointly controlled entities

‰ãŠ½ã Ôãâ. ‡ã⊹ã¶ããè ‡ãŠã ¶ãã½ã ÀããäÍã ½ã쌾ããÊã¾ã £ãããäÀ¦ãã % Sr. Name of the Company Amount Country of Holding %
No. Residence
1 •ããèƒÃ ‡ãŠõãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãñâ›
ÔããäÃÌãÔãñ•ã ¹ãÆã.ãäÊã. 10.80 ¼ããÀ¦ã 40% 1 GE Capital Business Process
Management Services Pvt. Ltd. 10.80 India 40%
(10.80)
(10.80)
2 Ôããè-†•ã ›ñ‡ã‹¶ããñÊããù•ããèÔã ãäÊã. 4.90 ¼ããÀ¦ã 49%
2 C - Edge Technologies Ltd. 4.90 India 49%
(4.90) (4.90)
(‡ãŠãñÓŸ‡ãŠãò ½ãò ã䪆 Øㆠ‚ããâ‡ãŠü¡ñ ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ Öö) (Figures in brackets relate to previous year)
ÊãñŒãã ½ãã¶ã‡ãŠ 27 ‡ãŠãè ‚ã¹ãñàãã ‡ãñŠ ‚ã¶ãìÔããÀ, Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã ‡ã⊹ããä¶ã¾ããò ½ãò ºãö‡ãŠ ‡ãñŠ ãäÖÔÔãñ Ôãñ Ôãâºãâãä£ã¦ã
As required by AS 27, the aggregate amount of the assets, liabilities,
‚ãããäÔ¦ã¾ããò, ªñ¾ã¦ãã‚ããò, ‚ãã¾ã, ̾ã¾ã, ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‚ããõÀ Ìãã¾ãªãò ‡ãŠãè ‡ãìŠÊã ÀããäÍã ãä¶ã½¶ãã¶ãìÔããÀ ¹ãƇ㊛
income, expenses, contingent liabilities and commitments related to the
‡ãŠãè ØãƒÃ Öõ:
Bank’s interests in jointly controlled entities are disclosed as under:
ãäÌãÌãÀ¥ã 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè
Particulars As at As at
ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
31-Mar-2009 31-Mar-2008
ªñ¾ã¦ãã†ú
Liabilities
¹ãîâ•ããè ‚ããõÀ ‚ããÀãäàããä¦ã¾ããú 69.71 63.21
Capital & Reserves 69.71 63.21
•ã½ããÀããäÍã¾ããú — —
Deposits — —
„£ããÀ-ÀããäÍã¾ããú 0.26 0.35
Borrowings 0.26 0.35
‚㶾㠪ñ¾ã¦ãã†ú †Ìãâ ¹ãÆãÌã£ãã¶ã 28.65 27.05
Other Liabilities & Provisions 28.65 27.05
¾ããñØã 98.62 90.61 Total 98.62 90.61
‚ãããäÔ¦ã¾ããú Assets
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ½ãò ¶ã‡ãŠª ‚ããõÀ •ã½ããÀããäÍã¾ããú 0.01 0.01 Cash and Balances with RBI 0.01 0.01
ºãö‡ãŠãò ½ãò •ã½ããÀããäÍã¾ããú ‚ããõÀ ½ããúØã ¦ã©ãã ‚ãʹã Balances with Banks and money at call
ÔãîÞã¶ãã ¹ãÀ ¹ãÆ㹾㠣ã¶ãÀããäÍã 21.44 2.04 and short notice 21.44 2.04
ãäÌããä¶ã£ãã¶ã 3.52 2.62 Investments 3.52 2.62
‚ããäØãƽ㠗 — Advances — —
‚ãÞãÊã ‚ãããäÔ¦ã¾ããú 10.57 15.03 Fixed Assets 10.57 15.03
‚㶾㠂ãããäÔ¦ã¾ããú 63.08 70.91 Other Assets 63.08 70.91

¾ããñØã 98.62 90.61 Total 98.62 90.61

¹ãîú•ããè Ìãã¾ãªñ — — Capital Commitments — —

Other Contingent Liabilities — —
‚㶾㠂ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†ú — —
‚ãã¾ã Income
Interest earned 0 5.69
‚ããä•ãæ㠺¾ãã•ã 0 5.69
Other income 51.47 61.63
‚㶾㠂ãã¾ã 51.47 61.63
Total 51.47 67.32
¾ããñØã 51.47 67.32
Expenditure
̾ã¾ã
Interest expended — —
̾ã¾ã ãä‡ãŠ¾ãã Øã¾ãã º¾ãã•ã — —
Operating expenses 40.74 49.81
¹ããäÀÞããÊã¶ã ̾ã¾ã 40.74 49.81
Provisions & contingencies 4.23 6.43
¹ãÆãÌã£ãã¶ã †Ìãâ ‚ãã‡ãŠãäÔ½ã‡ãŠ ̾ã¾ã 4.23 6.43 Total 44.97 56.24
¾ããñØã 44.97 56.24 Profit 6.50 11.08
Êãã¼ã 6.50 11.08
j) Impairment of Assets
šã) ‚ãããäÔ¦ã¾ããò ‡ãŠãè ‚ã¹ãÔãã½ã㶾ã¦ãã In the opinion of the Bank’s Management, there is no impairment to the
ºãö‡ãŠ ¹ãƺãâ£ã¶ã ‡ãŠãè ÒãäÓ› ½ãò, ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ‚ãããäÔ¦ã¾ããò ‡ãŠãè ‚ã¹ãÔãã½ã㶾ã¦ãã ‡ãŠã ‡ãŠãñƒÃ †ñÔãã ½ãã½ãÊãã Ôãã½ã¶ãñ ¶ãÖãé assets during the year to which Accounting Standard 28 - “Impairment
‚ãã¾ãã ãä•ãÔã ¹ãÀ ÊãñŒãã ½ãã¶ã‡ãŠ 28 - `‚ãããäÔ¦ã¾ããò ‡ãŠãè ‚ã¹ãÔãã½ã㶾ã¦ãã' ÊããØãî Öãñ¦ããè Öãñ. of Assets” applies.

151

C151 K151
›) ¹ãÆãÌã£ãã¶ã, ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†ú ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããú k) Provisions, Contingent Liabilities & Contingent Assets
a) Break-up of Provisions
‡ãŠ) ¹ãÆãÌã£ãã¶ããò ‡ãŠã ‚ãÊãØã-‚ãÊãØã ãäÌãÌãÀ¥ã
Particulars Current Year Previous Year
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Provision for Taxation
‡ãŠÀ ¼ãìØã¦ãã¶ã Öñ¦ãì ¹ãÆãÌã£ãã¶ã Current Tax 5971.52 3823.50
Fringe Benefit Tax 142.00 105.00
ÞããÊãî ‡ãŠÀ 5971.52 3823.50
Deferred Tax -1055.10 -219.43
‚ã¶ãìÓãâØããè Êãã¼ã ‡ãŠÀ 142.00 105.00 Other Tax 1.00 0.70
‚ããÔ©ããäØã¦ã ‡ãŠÀ -1055.10 -219.43 Provision for Depreciation on Investments 707.16 -88.68
Provision on Non-Performing Assets 2474.96 2000.94
‚㶾㠇ãŠÀ 1.00 0.70 Provision for Agricultural Debt Waiver
ãäÌããä¶ã£ãã¶ããò ¹ãÀ ½ãîʾãımg ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 707.16 -88.68 & Relief Scheme 140.00 —
Provision on Standard Assets 234.82 566.97
‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãÌã£ãã¶ã 2474.96 2000.94
Provision for Other Assets 177.64 189.43
‡ãðŠãäÓã ¨ãÉ¥ã œî› †Ìãâ Àã֦㠾ããñ•ã¶ãã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 140.00 — Total 8794.00 6378.43
½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãÌã£ãã¶ã 234.82 566.97 b) Floating Provisions
‚㶾㠂ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 177.64 189.43 Particulars Current Year Previous Year
Opening Balance Nil Nil
¾ããñØã 8794.00 6378.43
Addition during the year Nil Nil
Œã) ‚ãÔ©ãã¾ããè ¹ãÆãÌã£ãã¶ã Draw down during the year Nil Nil
Closing Balance Nil Nil
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
c) Description of Contingent Liabilities and Contingent Assets
‚ã©ãÍãñÓã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ
Sr. No. Particulars Brief Description
ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ìãðãä® ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ 1 Claims against the Bank The Bank is a party to various
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ããÖÀ¥ã ´ãÀ㠇㊽ããè ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ not acknowledged as debts proceedings in the normal course of
business. The Bank does not expect
ƒãä¦ã ÍãñÓã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ
the outcome of these proceedings to
Øã) ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãŠã ãäÌãÌãÀ¥ã have a material adverse effect on the
Bank’s financial conditions, results of
‰ãŠ½ã Ôãâ. ãäÌãÌãÀ¥ã Ôãâãäà㹦ã ãäÌãÌãÀ¥ã operations or cash flows.
1 ºãö‡ãŠ ‡ãñŠ ãäÌãÁ® †ñÔãñ ªãÌãñ •ããñ ¨ãÉ¥ã ̾ãÌãÔãã¾ã ‡ãŠãè Ôãã½ã㶾㠹ãÆãä‰ãŠ¾ãã ½ãò ºãö‡ãŠ ãäÌããä¼ã¶¶ã 2 Liability on account of The Bank enters into foreign
‡ãñŠ ¹㠽ãò ‚ããä¼ãÔÌããè‡ãðŠ¦ã ¶ãÖãé Öö. ‡ãŠã¾ãÃÌãããäÖ¾ããò ½ãò †‡ãŠ ¹ãàã Öõ. ºãö‡ãŠ ‡ãŠãñ †ñÔããè „½½ããèª ¶ãÖãé outstanding forward exchange contracts, currency options,
Öõ ãä‡ãŠ ƒ¶ã ‡ãŠã¾ãÃÌãããäÖ¾ããò ‡ãñŠ ¹ããäÀ¥ãã½ã ‡ãŠã ¦ãããä¦Ìã‡ãŠ ¹ãÆãä¦ã‡ãîŠÊã exchange contracts forward rate agreements, currency
swaps and interest rate swaps with
¹ãƼããÌã ºãö‡ãŠ ‡ãŠãè ãäÌã§ããè¾ã ãäÔ©ããä¦ã¾ããò, ¹ããäÀÞããÊã¶ã ¹ããäÀ¥ãã½ããò inter-Bank participants on its own
¾ãã ¶ã‡ãŠªãè ¹ãÆÌããÖ ¹ãÀ ¹ãü¡ñØãã. account and for customers. Forward
exchange contracts are commitments
2 ºã‡ãŠã¾ãã Ìãã¾ãªã ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã‚ããò ºãö‡ãŠ ‚ã¹ã¶ãñ ãä¶ã•ããè Œãã¦ãñ ‚ããõÀ ØãÆãÖ‡ãŠãò ‡ãŠãè ‚ãâ¦ãÀ-ºãö‡ãŠ to buy or sell foreign currency at a
‡ãñŠ ‡ãŠãÀ¥ã ªñ¾ã¦ãã†ú ÔãÖ¼ãããäØã¦ãã Ôãñ ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã, ½ãì³ã ãäÌã‡ãŠÊ¹ã, future date at the contracted rate.
Ìãã¾ãªã ªÀ ‡ãŠÀãÀ, ½ãì³ã ãäÌããä¶ã½ã¾ã ¦ã©ãã º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã Currency swaps are commitments to
exchange cash flows by way of
‡ãŠÀ¦ãã Öõ. Ìãã¾ãªã ãäÌããä¶ã½ã¾ã ÔãâãÌä ãªã‚ããò ½ãò ãäÌãªñÍããè ½ãì³ã ‡ãŠãñ ¼ããäÌãÓ¾ã
interest/principal in one currency
½ãò ÔãâãÌä ãªãØã¦ã ªÀ ¹ãÀ ŒãÀã誶ãñ ¾ãã ºãñÞã¶ãñ ‡ãŠã Ìãã¾ãªã ãä‡ãŠ¾ãã against another, based on
•ãã¦ãã Öõ. ½ãì³ã ãäÌããä¶ã½ã¾ããò ‡ãŠã Ìãã¾ãªã ¹ãîÌãà ãä¶ã£ããÃãÀä ¦ã ªÀãò ‡ãñŠ predetermined rates. Interest rate
‚ãã£ããÀ ¹ãÀ †‡ãŠ ½ãì³ã ‡ãñŠ ãäÌã¹ãÀãè¦ã ªîÔãÀãè ½ãì³ã ‡ãŠãè º¾ãã•ã / swaps are commitments to exchange
fixed and floating interest rate cash
½ãîÊã ÀããäÍã ‡ãñŠ ¹㠽ãò ãäÌããä¶ã½ã¾ã ¶ã‡ãŠªãè ¹ãÆÌããÖ ‡ãñŠ ãäÊㆠÖõ.
flows. The notional amounts that are
º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã ‡ãŠã Ìãã¾ãªã ‚ãÞãÊã ãäÌããä¶ã½ã¾ã †Ìãâ ‚ãÔ©ãã¾ããè recorded as contingent liabilities, are
º¾ãã•ã ªÀ ¶ã‡ãŠªãè ¹ãÆÌããÖ ‡ãñŠ ãäÊㆠÖõ. ‚ãã¶ãì½ãããä¶ã‡ãŠ ÀããäÍã¾ããú, typically amounts used as a
ãä•ã¶Öò ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‡ãñŠ ¹㠽ãò ª•ãà ãä‡ãŠ¾ãã Øã¾ãã Öõ, benchmark for the calculation of the
interest component of the contracts.
ÔãâãÌä ãªã‚ããò ‡ãñŠ º¾ãã•ã ‚ãâÍã ‡ãñŠ ¹ããäÀ‡ãŠÊã¶ã Öñ¦ãì ¶¾ãî¶ã¦ã½ã ½ãã¹ãªâ¡
‡ãñŠ ¹㠽ãò ¹ãƾãì‡ã‹¦ã ãäÌããäÍãÓ› ÀããäÍã¾ããú Öö. 3 Guarantees given on behalf As a part of its commercial Banking
of constituents, acceptances, activities, the Bank issues
3 ØãÆãÖ‡ãŠãò, ãäºãÊããò †Ìãâ Öìâã䡾ããò, ¹ãÀãâ‡ãŠ¶ããò ‚ã¹ã¶ããè Ìãããä¥ãã䕾ã‡ãŠ ºãöãä‡ãâŠØã ‡ãŠã¾ãÃÌãããäÖ¾ããò ‡ãñŠ †‡ãŠ ¼ããØã endorsements and other documentary credits and guarantees
obligations on behalf of its customers.
¦ã©ã㠂㶾㠪ããä¾ã¦Ìããò ‡ãŠãè ‚ããñÀ Ôãñ ‡ãñŠ ¹㠽ãò ºãö‡ãŠ ‚ã¹ã¶ãñ ØãÆãÖ‡ãŠãò ‡ãŠãè ‚ããñÀ Ôãñ ¹ãÆÊãñŒããè
Documentary credits enhance the
ªãè ØãƒÃ ØããÀâã䛾ããú ¨ãɥ㠂ããõÀ ØããÀâ›ãè ¹ãƪã¶ã ‡ãŠÀ¦ãã Öõ. ¹ãÆÊãñŒããè ¨ãÉ¥ã Ôãñ ºãö‡ãŠ credit standing of the customers of
‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãŠãè ¨ãÉ¥ã-‚ãÌããäÔ©ããä¦ã ºãü¤¦ããè Öõ. ØããÀâã䛾ããú the Bank. Guarantees generally
Ôãã½ã㶾ã¦ã: ºãö‡ãŠ ‡ãŠãè ‚ããñÀ Ôãñ ‚ã›Êã ‚ããÍÌããÔã¶ã Öãñ¦ããè represent irrevocable assurances that
the Bank will make payment in the
Öõâ ãä‡ãŠ ¾ããäª ØãÆãև㊠‚ã¹ã¶ãñ ãäÌã§ããè¾ã ¾ãã ãä¶ãÓ¹ã㪶㠪ããä¾ã¦Ìããò
event of the customer failing to fulfil
‡ãŠãñ ¹ãî¥ãà ‡ãŠÀ¶ãñ ½ãò ‚ãÔã¹ãŠÊã Öãñ¦ãã Öõ ¦ããñ ºãö‡ãŠ †ñÔããè ãäÔ©ããä¦ã its financial or performance
½ãò „¶ã‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀñØãã. obligations.
4 Other items for which The Bank is a party to various
4 ‚㶾㠽ãªò ãä•ã¶ã‡ãñŠ ãäÊㆠºãö‡ãŠ ºãö‡ãŠ ãäÌããä¼ã¶¶ã ‡ãŠÀ ãä¶ã£ããÃÀ¥ã ½ãã½ãÊããò, ãä•ã¶ãÔãñ Ô㽺ã®
the Bank is contingently taxation matters in respect of which
‚ãã‡ãŠãäÔ½ã‡ãŠ ¹ã Ôãñ ãä•ã½½ãñªãÀ Öõ. ‚ã¹ããèÊãò ãäÌãÞããÀã£ããè¶ã Öö, ‡ãŠã †‡ãŠ ¹ãàã Öõ. ºãö‡ãŠ ‡ãŠãè ‚ããñÀ liable. appeals are pending. These are being
Ôãñ ƒ¶ã ¹ãÀ ¹ãÆãä¦ãÌã㪠ãä‡ãŠ¾ãã •ãã ÀÖã Öõ ‚ããõÀ ƒ¶ã‡ãñŠ ãäÊㆠcontested by the Bank and not
‡ãŠãñƒÃ ¹ãÆãÌã£ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ. ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã ºãö‡ãŠ provided for. Further, the Bank has
made commitments to subscribe to
¶ãñ ̾ãÌãÔãã¾ã ‡ãŠãè Ôãã½ã㶾㠹ãÆãä‰ãŠ¾ãã ½ãò Íãñ¾ãÀãò ‡ãŠã ‚ããä¼ãªã¶ã
shares in the normal course of
‡ãŠÀ¶ãñ ‡ãŠã Ìãã¾ãªã ãä‡ãŠ¾ãã Öõ. business.

152

C152 K152
Üã) „¹ã¾ãìÇ㋦㠂ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†ú ¾ã©ãããäÔ©ããä¦ã, ¶¾ãã¾ããÊã¾ã/¹ãâÞãã›/ ¶¾ãã¾ããÊã¾ã ‡ãñŠ ºããÖÀ Ôã½ã¢ããõ¦ããò, ‚ã¹ããèÊããò ‡ãñŠ d) The Contingent Liabilities mentioned above are dependent upon the
ãä¶ã¹ã›ã¶ã, ÀããäÍã ‡ãñŠ ½ããúØãñ •ãã¶ãñ, ÔãâãäÌãªãØã¦ã ºã㣾ã¦ãã, Ôãâºãââãä£ã¦ã ¹ãàããò ´ãÀã ½ããúØã ¹ãÆÔ¦ããÌã ‡ãñŠ ‚ãâ¦ãÀ¥ã ‚ããõÀ „Ôãñ outcome of Court/ arbitration/out of Court settlements, disposal of appeals,
„ªá¼ãî¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ªããä¾ã¦Ìã ¹ãÀ ‚ãã£ãããäÀ¦ã Öõâ. the amount being called up, terms of contractual obligations, devolvement
and raising of demand by concerned parties, as the case may be.
Ý) ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‡ãñŠ ãäÊㆠãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ããò ½ãò „¦ããÀ-Þãü¤ãÌã e) Movement of provisions against Contingent Liabilities
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Year Previous Year
‚ã©ãÍãñÓã 77.44 71.90 Opening balance 77.44 71.90

ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ìãðãä® 26.48 19.90 Additions during the year 26.48 19.90
Reductions during the year 18.38 14.36
ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‡ãŠ½ããè 18.38 14.36
Closing balance 85.54 77.44
ƒãä¦ã ÍãñÓã 85.54 77.44
18.10 Agricultural Debt Waiver and Debt Relief Scheme 2008
18.10 ‡ãðŠãäÓã ¨ãÉ¥ã œî› ¦ã©ãã ¨ãÉ¥ã ÔãÖã¾ã¦ãã ¾ããñ•ã¶ãã 2008 As per the Agricultural Debt Waiver and Debt Relief Scheme 2008, the
‡ãðŠãäÓã ¨ãÉ¥ã œî› ¦ã©ãã ¨ãÉ¥ã ÔãÖã¾ã¦ãã ¾ããñ•ã¶ãã 2008 ‡ãñŠ ‚ã¶ãìÔããÀ, ‡ãòŠ³ ÔãÀ‡ãŠãÀ Ôãñ ¨ãÉ¥ã œî› ‡ãñŠ ‡ãŠãÀ¥ã amount receivable from the Central Government on account of debt waiver
¹ãÆã¹¾ã ÀããäÍã Á.5506 ‡ãŠÀãñü¡ ‚ããõÀ ¨ãÉ¥ã ÔãÖã¾ã¦ãã ‡ãñŠ ‡ãŠãÀ¥ã ¹ãÆã¹¾ã ÀããäÍã Á.322 ‡ãŠÀãñü¡ Öõ. ¾ããñ•ã¶ãã ‡ãñŠ is Rs. 5506 crores and on account of debt relief is Rs. 322 crores, which
is treated as part of advances and other assets respectively in accordance
‚ã¶ãìÔããÀ ãä•ãÔãñ ‰ãŠ½ãÍã: ‚ããäØãƽ㠂ããõÀ ‚㶾㠂ãããäÔ¦ã¾ããò ‡ãñŠ ‚ãâØã ‡ãñŠ ¹㠽ãò ½ãã¶ãã Øã¾ãã Öõ. ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ
with the scheme. For the Debt Waiver, the Government of India has agreed
¨ãÉ¥ã œî› ‡ãñŠ ãäÊㆠƒÔãÔãñ ¹ãÆã¹¾ã ÀããäÍã ¹ãÀ ¹ãÆ©ã½ã ãä‡ãŠÍ¦ã ‡ãñŠ ¼ãìØã¦ãã¶ã ‡ãŠãè ãä¦ããä©ã Ôãñ º¾ãã•ã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ½ãò to provide interest on the amount receivable from it from the date of
ÔãÖ½ããä¦ã ªãè Öõ ‚ããõÀ ¦ãª¶ãìÔããÀ Ìã¦ãýãã¶ã ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ º¾ãã•ã ‡ãŠãè Öããä¶ã ‡ãñŠ ãäÊㆠ‡ãŠãñƒÃ ¹ãÆãÌã£ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã payment of the first instalment and accordingly no provision for loss of
Øã¾ãã Öõ. ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã Á.2168 ‡ãŠÀãñü¡ ‡ãŠãè ¹ãÖÊããè ãä‡ãŠÍ¦ã 24 ãäªÔ㽺ãÀ 2008 ‡ãŠãñ ¹ãÆ㹦ã ÖìƒÃ Öõ. ¨ãÉ¥ã interest on present value terms has been made. Further, the first instalment
ÔãÖã¾ã¦ãã ‡ãñŠ ½ãã½ãÊãñ ½ãò, ºãö‡ãŠ ¶ãñ ¾ããñؾ㠇ãðŠÓã‡ãŠãò Ôãñ ¹ãÆã¹¾ã ÀããäÍã ¹ãÀ º¾ãã•ã ‡ãŠãè Öããä¶ã ‡ãñŠ Ìã¦ãýãã¶ã ½ãîʾ㠇ãñŠ of Rs. 2168 crores has been received on 24 December 2008. In respect
ãäÊㆠÁ.140 ‡ãŠÀãñü¡ ‡ãŠã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã Öõ, •ããñ Ôãã½ã㶾㠂ããÀãäàããä¦ã ½ãò ÔãÀ‡ãŠãÀ Ôãñ ªãÌãñ ‡ãŠãè ¹ãÆãã书㠇ãñŠ ¹ãÍÞãã¦ãá of Debt Relief, the Bank has made provision of Rs. 140 crores towards
present value of loss of interest on amount receivable from eligible farmers,
ÊãñŒãñ ‡ãñŠ ¹ãî¥ãà ãä¶ã£ããÃÀ¥ã ‡ãñŠ Ôã½ã¾ã ¹ãƦ¾ããÌã¦ãöã-¾ããñؾã Öõ. ¨ãÉ¥ã ÔãÖã¾ã¦ãã ‡ãñŠ ¾ãñ ‚ããâ‡ãŠü¡ñ ‡ãðŠÓã‡ãŠãò Ôãñ ¹ãÆã¹¾ã ÀããäÍã which is reversible to General Reserve upon complete settling of the
‡ãñŠ ¼ãìØã¦ãã¶ã ¹ãÀ ãä¶ã¼ãÃÀ ‡ãŠÀ¦ãñ Öö. account after receipt of claim from the Government. The figures of debt
relief are subject to payment of dues by the farmers.
18.11 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãŠã ‚ããä¼ãØãÆÖ¥ã
¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ ºãö‡ãŠ ´ãÀã Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È (†Ôãºããè†Ôã), ºãö‡ãŠ ‡ãñŠ ¹ãî¥ãà ÔÌãããä½ã¦Ìã ÌããÊããè ºãöãä‡ãâŠØã 18.11 Acquisition of State Bank of Saurashtra
‚ã¶ãìÓãâØããè, ‡ãŠãñ 14 ‚ãØãÔ¦ã 2008 Ôãñ ‚ããä¼ãØãðÖãè¦ã ãä‡ãŠ† •ãã¶ãñ ‡ãŠãè ‚ããä£ãÔãîÞã¶ãã •ããÀãè ‡ãŠÀ ªãè Öõ. The Govt. of India has notified the acquisition by the Bank of the State
Bank of Saurashtra (SBS), a wholly owned subsidiary of the Bank, with
‡ãŠãä©ã¦ã ‚ããä£ãÔãîÞã¶ãã ‡ãñŠ ‚ã¶ãìÔããÀ, ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È (†Ôãºããè†Ôã) ‡ãŠãè Ôã½¹ãî¥ãà ãäÖÔÔãñªãÀãè ‡ãŠãñ
effect from 14th August 2008. Pursuant to the said notification, the entire
ºãö‡ãŠ ´ãÀã ‚ããä£ãØãðÖãè¦ã ½ãã¶ãã Øã¾ãã Öõ. Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È (†Ôãºããè†Ôã) ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãŠãñ ÊãñŒãã undertaking of the erstwhile SBS stands acquired by the Bank. The
½ãã¶ã‡ãŠ 14 ‡ãñŠ ‚ã¶ãìÔããÀ ãäÖ¦ã Ôã½ãñ‡ãŠ¶ã ¹ã®ãä¦ã ‡ãŠã ¹ãƾããñØã ‡ãŠÀ‡ãñŠ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõ. ƒÔã ‚ããä¼ãØãÆÖ¥ã acquisition of SBS has been accounted using pooling of interest method
Ôãñ „ªá¼ãî¦ã Á. 0.65 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã ‡ãŠãè Øãì¡ãäÌãÊã ‡ãŠãñ ƒÔã ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ‚ãã¾ã ‡ãñŠ ¹㠽ãò Íãããä½ãÊã as per Accounting Standard 14. The goodwill arising on acquisition
ãä‡ãŠ¾ãã Øã¾ãã Öõ. amounting to Rs. 0.65 crores has been charged off to the revenue during
the period.
18.12 ‚ãâ¦ãÀ ‡ãŠã¾ããÃÊã¾ã Œãã¦ãã
18.12 Inter Office Account
ÍããŒãã‚ããò, ãä¶ã¾ãâ¨ã‡ãŠ ‡ãŠã¾ããÃÊã¾ããò ‚ããõÀ Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ããò ¦ã©ãã ‡ãŠãÀ¹ããñÀñ› ‡ãòŠ³ ‡ãŠãè ÔãâÔ©ãã¹ã¶ãã‚ããò ‡ãñŠ Inter Office Accounts between branches, controlling offices and local head
ºããèÞã ‚ãâ¦ãÀ ‡ãŠã¾ããÃÊã¾ã Œãã¦ããò ‡ãŠã ãäªÔ㽺ãÀ 2008 ¦ã‡ãŠ Ôã½ãã£ãã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ. ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, Ôã½ãã£ãã¶ã offices and corporate centre establishments have been reconciled upto
ãä¶ãÀâ¦ãÀ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã •ãã ÀÖã Öõ ‚ããõÀ ÞããÊãî ÌãÓãà ‡ãñŠ Êãã¼ã ‚ããõÀ Öããä¶ã ‡ãŠãè ÀããäÍã ¹ãÀ ƒÔã‡ãŠã ‡ãŠãñƒÃ ½ãÖ¦Ìã¹ãî¥ãà December 2008. Further, reconciliation is being done on an ongoing basis
¹ãƼããÌã ¹ãü¡¶ãñ ‡ãŠãè ‚ããÍãã ¶ãÖãé Öõ. and no material effect is expected on the profit and loss account of the
current year.
18.13 ãäÌãÞããÀã£ããè¶ã Ìãñ¦ã¶ã ‡ãŠÀãÀ
18.13 Pending Wage Agreement
ÔãªÔ¾ã ºãö‡ãŠãò ‡ãŠãè ‚ããñÀ Ôãñ ¼ããÀ¦ããè¾ã ºãö‡ãŠ ÔãâÜã ´ãÀã ‚ããùÊã ƒâã䡾ãã ¾ãîãä¶ã¾ã¶Ôã ‚ããù¹ãŠ Ìã‡ãʽãõ¶ã ‡ãñŠ Ôãã©ã ãä‡ãŠ¾ãã
The Eighth Bipartite Settlement entered into by the Indian Banks’
Øã¾ãã ‚ããŸÌããú ãä´¹ãàããè¾ã Ôã½ã¢ããõ¦ãã 31 ‚ã‡ã‹›îºãÀ 2007 ‡ãŠãñ Ôã½ã㹦ã Öãñ Øã¾ãã. ¶ã† Ôã½ã¢ããõ¦ãñ ‡ãñŠ ãäÌãÞããÀã£ããè¶ã Association on behalf of the member Banks with the All India Unions
Öãñ¶ãñ ‡ãŠãñ ªñŒã¦ãñ Öì† ÌãÓãà ‡ãñŠ ªãõÀã¶ã ÊãñŒãñ ½ãò Á. 1414 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 575 ‡ãŠÀãñü¡) ‡ãŠã ¹ãÆãÌã£ãã¶ã of Workmen expired on 31st October 2007. Pending the execution of a
ãä‡ãŠ¾ãã Øã¾ãã Öõ - •ããñ ã䪶ããâ‡ãŠ 1 ¶ãÌ㽺ãÀ 2007 Ôãñ ¹ãƼããÌããè Öãñ¶ãñ ÌããÊãñ Ìãñ¦ã¶ã - ÔãâÍããñ£ã¶ã ‡ãñŠ ‡ãŠãÀ¥ã ºãö‡ãŠ new agreement a provision of Rs.1414 crores (Previous Year Rs. 575 crores)
‡ãŠãè ‚ã¶ãì½ãããä¶ã¦ã ªñ¾ã¦ãã Ôãñ Ôãâºãâãä£ã¦ã Öõ. Ìãñ¦ã¶ã ÔãâÍããñ£ã¶ã ‡ãñŠ Ôãâºãâ£ã ½ãò ‡ãìŠÊã ¹ãÆãÌã£ãã¶ã ‡ãŠãè ÀããäÍã 31 ½ããÞãà 2009 has been made during the year in the accounts for the Bank’s estimated
liability in respect of wage revision to be effective from 1st November 2007.
‡ãŠãñ Á. 2010.55 ‡ãŠÀãñü¡ (ƒÔã½ãò ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È Ôãñ ‚ãâ¦ããäÀ¦ã Á. 21.55 ‡ãŠÀãñü¡
The total provision held on account of wage revision as on 31st March 2009
Ôããä½½ããäÊã¦ã) Öõ. is Rs. 2010.55 crores (including Rs. 21.55 crores transferred from eSBS).
18.14 ¹ãÆÔ¦ãããäÌã¦ã ãäÌãÊã¾ã 18.14 Proposed Merger
ã䪶ããâ‡ãŠ 25 •ãî¶ã 2008 ‡ãŠãñ ÖìƒÃ ‡ãòŠ³ãè¾ã ºããñ¡Ã ‡ãŠãè ºãõŸ‡ãŠ ½ãò Ôã½ãã½ãñÊã¶ã ¾ããñ•ã¶ãã ‡ãñŠ ‚ã¶ãì½ããñª¶ã ‡ãñŠ ¹ãÍÞãã¦ãá, Pursuant to a Scheme of Amalgamation approved by the Central Board
ºãö‡ãŠ ‡ãñŠ ¹ãî¥ãà ÔÌãããä½ã¦Ìã ÌããÊããè ‚ã¶ãìÓãâØããè - `†Ôãºããè‚ãム‡ãŠãù½ããäÍãþãÊ㠆⡠ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ ãäÊã.' ‡ãŠã ºãö‡ãŠ at its meeting held on 25th June 2008, SBI Commercial and International
½ãò ãäÌãÊã¾ã Öãñ¶ãã Öõ. ¹ãÆãÔãâãäØã‡ãŠ ¾ããñ•ã¶ãã ‡ãŠã ‚ã¶ãì½ããñª¶ã, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ, ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ¦ã©ã㠂㶾㠹ãÆããä£ã‡ãŠÀ¥ããò Bank Ltd, a wholly owned subsidiary of the Bank is to be merged with
the Bank. The relevant scheme is yet to be approved by the Government
´ãÀã ãä‡ãŠ¾ãã •ãã¶ãã ÍãñÓã Öõ. ƒ¶ã ‚ã¶ãì½ããñª¶ããò ‡ãñŠ ãäÌãÞããÀã£ããè¶ã Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã, „‡ã‹¦ã ¾ããñ•ã¶ãã ‡ãŠãñ ƒ¶ã ÊãñŒããò
of India, RBI and other authorities. Pending such approvals no effect has
½ãò ‡ãŠãñƒÃ Ô©ãã¶ã ¶ãÖãé ã䪾ãã Øã¾ãã Öõ. been given to the said scheme in the accounts.
18.15 ºãö‡ãŠ ½ãò ¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãŠã ãäÌãÊã¾ã Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Ìã¦ãýãã¶ã ÌãÓãà ‡ãñŠ ‚ããâ‡ãŠü¡ãò ½ãò 18.15 The figures of the current period include the working results of the
¹ãîÌãÃÌã¦ããê Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãŠãè ÍããŒãã‚ããò ‡ãñŠ 14 ‚ãØãÔ¦ã 2008 Ôãñ ‚ããÀâ¼ã ‚ãÌããä£ã ‡ãñŠ ‡ãŠã¾ãà branches of erstwhile State Bank of Saurashtra (SBS) for the period from
¹ããäÀ¥ãã½ã Íãããä½ãÊã Öö. ¦ãª¶ãì¹ã, ãä¹ãœÊããè ‚ãÌããä£ã ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãŠãè ¹ãî¥ãæã¾ãã ¦ãìÊã¶ãã ¶ãÖãé ‡ãŠãè •ãã Ôã‡ãŠ¦ããè 14th August 2008 consequent to merger of e-SBS with the Bank. Accordingly,
the figures of the previous period are strictly not comparable. Previous
Öõ. ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãŠãñ Ìã¦ãýãã¶ã ‚ãÌããä£ã ‡ãñŠ ÌãØããê‡ãŠÀ¥ã ‡ãñŠ ‚ã¶ãì¹ã ãä½ãÊãã¶ãñ ‡ãŠãè ÒãäÓ› Ôãñ „¶Öò period figures have been regrouped/reclassified, wherever necessary, to
¾ã©ããÌã;ã‡ãŠ, ¹ãì¶ãÔãýãîãä֦㠆Ìãâ ¹ãì¶ãÌãÃØããê‡ãðŠ¦ã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõ. ãä•ã¶ã ½ãã½ãÊããò ½ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ conform to current period classification. In cases where disclosures have
‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò / ÊãñŒãã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãƇ㊛ãè‡ãŠÀ¥ã ¹ãÖÊããè ºããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ „¶ã‡ãñŠ ãä¹ãœÊãñ been made for the first time in terms of RBI guidelines / Accounting
ÌãÓãà ‡ãñŠ ‚ããâ‡ãŠü¡ñ ¶ãÖãé ã䪆 ØㆠÖö. Standards, previous year’s figures have not been mentioned.

153

C153 K153
 STATE BANK OF INDIA
WpZOrY ∫J>uJ> Vvõ@‚
31 XpE{ 2009 @‚pu _XpØO \^{ @u‚ <[h S@‚Qr T}\p` <\\ZN
CASH FLOW STATEMENT FOR THE PERIOD ENDED 31ST MARCH 2009
(000 @‚pu F>puÊ <QYp BYp `v)
(000s omitted)

31.3.2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà 31.3.2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãÃ

Year ended 31.3.2009 Year ended 31.3.2008

‡ãŠ ¹ããäÀÞããÊã¶ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ¶ã‡ãŠªãè ¹ãÆÌããÖ

A. CASH FLOW FROM OPERATING ACTIVITIES 294,797,294 (8,568,654)

Œã ãäÌããä¶ã£ãã¶ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ¶ã‡ãŠªãè ¹ãÆÌããÖ

B. CASH FLOW FROM INVESTING ACTIVITIES (16,519,304) (27,980,117)

Øã ãäÌã§ã¹ããñÓã¥ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ¶ã‡ãŠªãè ¹ãÆÌããÖ

C. CASH FLOW FROM FINANCING ACTIVITIES 50,973,840 193,711,165

¶ã‡ãŠªãè †Ìãâ ¶ã‡ãŠªãè Ôã½ã¦ãìʾããò ½ãò ãä¶ãÌãÊã ¹ããäÀÌã¦ãöã

NET CHANGE IN CASH AND CASH EQUIVALENTS 329,251,830 157,162,394

Üã ÌãÓãà ‡ãñŠ ‚ããÀâ¼ã ½ãò ¶ã‡ãŠªãè †Ìãâ ¶ã‡ãŠªãè Ôã½ã¦ãìʾã

D. CASH AND CASH EQUIVALENTS AT THE
BEGINNING OF THE YEAR 674,663,350 519,686,900

Ý ¹ãîÌãÃÌã¦ããê †Ôãºããè†Ôã ‡ãñŠ ‚ããä¼ãØãÆÖ¥ã Ôãñ ¹ãÆ㹦㠶ã‡ãŠªãè

E. CASH RECEIVED FROM ACQUISTION OF e-SBS 19,541,191 —

Þã ãääÌãªñÍããè ãäÌããä¶ã½ã¾ã ªÀ ½ãò ¹ããäÀÌã¦ãöããò ‡ãŠã ¹ãƼããÌã

F. EFFECT OF FOREIGN EXCHANGE RATE CHANGES 20,581,615 (2,185,944)

œ ÌãÓãà ‡ãŠãè Ôã½ããã书㠹ãÀ ¶ã‡ãŠªãè †Ìãâ ¶ã‡ãŠªãè Ôã½ã¦ãìʾã

G. CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR 1,044,037,986 674,663,350

‡ãŠ.¹ããäÀÞããÊã¶ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ¶ã‡ãŠªãè ¹ãÆÌããÖ

A. CASH FLOW FROM OPERATING ACTIVITIES

‡ãŠÀ ¹ãîÌãà ãä¶ãÌãÊã Êãã¼ã / Net Profit before Taxes 141,806,429 104,389,003

Ôã½ãã¾ããñ•ã¶ã / Adjustment for :

_yÎ`ımg ewÎH$ / Depreciation charges 7,631,412 6,799,791

¹ã›á›ã‡ãðŠ¦ã ‚ãããäÔ¦ã¾ããò Ôããä֦㠂ãÞãÊã ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÌã‰ãŠ¾ã ¹ãÀ Êãã¼ã

Profit on sale of fixed assets including leased assets (29,542) (110,409)

ãäÌããä¶ã£ãã¶ããñâ ‡ãñŠ ãäÌã‰ãŠ¾ã ¹ãÀ Êãã¼ã / Profit on sale of investments 25,672,902 (16,498,391)

ãäÌããä¶ã£ãã¶ããñâ ‡ãŠñ ¹ãì¶ã½ãÃîʾããâ‡ãŠ¶ã ¹ãÀ Öããä¶ã / Loss on revalution of investments (5,650) 7,035,007

‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã / Provision for NPAs 24,749,573 20,009,363

½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãÌã£ãã¶ã ãä•ãÔã½ãò ‡ãðŠãäÓã Àã֦㠾ããñ•ã¶ãã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã Íãããä½ãÊã Öö /
Provision on Standard Assets includes
provision for Agl. Relief Scheme 3,748,162 5,669,669

ãäÌããä¶ã£ãã¶ããò ¹ãÀ _yÎ`ımg / Depreciation on Investments 7,071,724 (886,815)

ºã›á›ñ Œãã¦ãñ ¡ãÊããè ØãƒÃ ¹ãîÌãÃÌã¦ããê †Ôãºããè†Ôã ‡ãŠãè Øãì¡ãäÌãÊã / Goodwill eSBS Written Off 6,562 —

‚㶾㠂ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãÌã£ãã¶ã (‚㶾㠹ãÆãÌã£ãã¶ã ÔããäÖ¦ã)

Provision on other assets (including Other Provision) 502,140 2,244,563

‚ã¶ãìÓãâãäØã¾ããò / Ôãâ¾ãì‡ã‹¦ã „²ã½ããò / àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠãò ¹ãÀ ¹ãÆãÌã£ãã¶ã /

Provision on Subsidiary/JVs/ RRBs – (350,260)

154

C154 K154
 (000 @‚pu F>puÊ <QYp BYp `v)
(000s omitted)

31.3.2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà 31.3.2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãÃ

Year ended 31.3.2009 Year ended 31.3.2008

‚㶾㠹ãÆãÌã£ãã¶ã
Other Provisions 1,274,219 —

‚ã¶ãìÓãâãäØã¾ããò Ôãñ ¹ãÆ㹦ã Êãã¼ããâÍã (ãäÌããä¶ã£ãã¶ã ‡ãŠã¾ãÇãŠÊãã¹ã)

Dividends from Subsidiaires (Investing Activities) (4,096,028) (1,974,055)

†Ôãºããè‚ãムºããâ¡ãò ¹ãÀ Ôã⪧㠺¾ãã•ã (ãäÌã§ã¹ããñÓã¥ã ‡ãŠã¾ãÇãŠÊãã¹ã)

Interest paid on SBI Bonds (Financing Activity) 19,004,265 17,114,085

227,336,168 143,441,551

Üã›ã†ú : ¹ãƦ¾ãàã ‡ãŠÀ / Less: Direct Taxes (72,794,644) (42,355,383)

„¹ã ¾ããñØã / SUB TOTAL 154,541,524 101,086,168

Ôã½ãã¾ããñ•ã¶ã / Adjustment for

•ã½ããÀããäÍã¾ããò ½ãò Ìãðãä®/(‡ãŠ½ããè) / Increase/(Decrease) in Deposits 1,889,477,646 1,018,828,515

„£ããÀ-ÀããäÍã¾ããò ½ãò Ìãðãä®/(‡ãŠ½ããè) / Increase/(Decrease) in Borrowings (12,705,423) 120,240,761

ãäÌããä¶ã£ãã¶ããò ½ãò (Ìãðãä®)/‡ãŠ½ããè / (Increase)/Decrease in Investments (828,810,896) (374,636,388)

‚ããäØãƽããò ½ãò (Ìãðãä®)/‡ãŠ½ããè / (Increase)/Decrease in Advances (1,157,822,655) (814,326,390)

‚㶾㠪ñ¾ã¦ãã‚ããò ‚ããõÀ ¹ãÆãÌã£ãã¶ããò ½ãò Ìãðãä®/(‡ãŠ½ããè)

Increase/(Decrease) in Other Liabilities & Provisions 156,447,980 130,153,951

‚㶾㠂ãããäÔ¦ã¾ããò ½ãò (Ìãðãä®)/‡ãŠ½ããè / (Increase)/Decrease in Other Assets 93,669,118 (189,915,271)

¹ããäÀÞããÊã¶ã ‡ãŠã¾ãÇãŠÊãã¹ããò ´ãÀã ¹ãƪ§ã ãä¶ãÌãÊã ¶ã‡ãŠªãè

NET CASH PROVIDED BY OPERATING ACTIVITIES 294,797,294 (8,568,654)

Œã ãäÌããä¶ã£ãã¶ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ¶ã‡ãŠªãè ¹ãÆÌããÖ

B. CASH FLOW FROM INVESTING ACTIVITIES

‚ã¶ãìÓãâãäØã¾ããò / Ôãâ¾ãì‡ã‹¦ã-„²ã½ããò ½ãò ãäÌããä¶ã£ãã¶ã (Ìãðãä®) / ‡ãŠ½ããè

(Increase) / Decrease in Investments in Sub/ JVs (9,236,600) (17,718,648)

†ñÔãñ ãäÌããä¶ã£ãã¶ããò ¹ãÀ ‚ããä•ãæ㠂ãã¾ã

Income earned on such Investments 4,096,028 1,974,055

‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ½ãò (Ìãðãä®)/‡ãŠ½ããè

(Increase) / Decrease in Fixed Assets (11,378,732) (12,235,524)

ãäÌããä¶ã£ãã¶ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ãä¶ãÌãÊã ¶ã‡ãŠªãè

NET CASH FROM INVESTING ACTIVITIES (16,519,304) (27,980,117)

155

C155 K155
 (000 @‚pu F>puÊ <QYp BYp `v)
(000s omitted)

31.3.2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà 31.3.2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãÃ

Year ended 31.3.2009 Year ended 31.3.2008

Øã. ãäÌã§ã¹ããñÓã¥ã ‡ãŠã¾ãÇãŠÊãã¹ããò Ôãñ ¶ã‡ãŠªãè ¹ãÆÌããÖ

C. CASH FLOW FROM FINANCING ACTIVITIES

Íãñ¾ãÀ ¹ãîú•ããè / Share Capital 34,098 1,051,715

Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã / Share Premium 5,589,577 165,883,942

Øããõ¥ã ¨ãÉ¥ããñâ ‡ãŠã ãä¶ãØãýã / Issue of Subordinated Debts — 60,235,000

BpvN VpzL> <SB{X

Issue of Subordinated Bonds 80,000,000 9,027,000

BpvN VpzL> ½ããñÞã¶ã

Redemption of Subordinated Bonds (324,400) (16,752,000)

ºããâ¡ãò ¹ãÀ Ôã⪧㠺¾ãã•ã / Interest Paid on Bonds (19,004,265) (17,114,085)

Ôã⪦¦ã Êãã¼ããâÍã ‡ãŠÀ ÔããäÖ¦ã

Dividends paid including tax thereon (15,321,170) (8,620,407)

ãäÌã§ã¹ããñÓã¥ã ‡ãŠã¾ãÇãŠÊãã¹ããò ´ãÀã ¹ãƪ§ã ãä¶ãÌãÊã ¶ã‡ãŠªãè

NET CASH PROVIDED BY FINANCING ACTIVITIES 50,973,840 193,711,165

Üã. ÌãÓãà ‡ãñŠ ‚ããÀâ¼ã ½ãò ¶ã‡ãŠªãè †Ìãâ ¶ã‡ãŠªãè Ôã½ã¦ãìʾã

D. CASH AND CASH EQUIVALENTS
AT THE BEGINNING OF THE YEAR

Öã©ã ¶ã‡ãŠªãè (ƒÔã½ãò ãäÌãªñÍããè ‡ãŠÀòÔããè ¶ããñ› ¦ã©ãã ÔÌã¥ãà Ôããä½½ããäÊã¦ã Öö)
Cash in hand (including foreign currency notes and gold) 32,203,111 25,301,193

¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ½ãò •ã½ããÀããäÍã¾ããú

Balances with Reserve Bank of India 483,143,047 265,463,057

ºãö‡ãŠãò ½ãò •ã½ããÀããäÍã¾ããú ¦ã©ãã ½ããúØã †Ìãâ ‚ãʹã ÔãîÞã¶ãã ¹ãÀ ¹ãÆ㹾㠣ã¶ãÀããäÍã
Balances with Banks and Money at Call and Short Notice 159,317,192 228,922,650

¾ããñØã / Total 674,663,350 519,686,900

Ý. ÌãÓãà ‡ãñŠ ‚ããÀâ¼ã ½ãò ¶ã‡ãŠªãè †Ìãâ ¶ã‡ãŠªãè Ôã½ã¦ãìʾã

Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãñŠ ‡ãŠãÀ¥ã ¹ãÆ㹦ã
E. CASH AND CASH EQUIVALENTS
RECEIVED ON ACCOUNT OF ACQUISITION OF
STATE BANK OF SAURASHTRA

Öã©ã ¶ã‡ãŠªãè (ƒÔã½ãò ãäÌãªñÍããè ‡ãŠÀòÔããè ¶ããñ› ¦ã©ãã ÔÌã¥ãà Ôããä½½ããäÊã¦ã Öö)
Cash in hand (including foreign currency notes and gold) 1,007,765

¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ½ãò •ã½ããÀããäÍã¾ããú

Balances with Reserve Bank of India 17,565,488

ºãö‡ãŠãò ½ãò •ã½ããÀããäÍã¾ããú ¦ã©ãã ½ããúØã †Ìãâ ‚ãʹã ÔãîÞã¶ãã ¹ãÀ ¹ãÆ㹾㠣ã¶ãÀããäÍã
Balances with Banks and Money at Call and Short Notice 967,938

¾ããñØã / Total 19,541,191

156

C156 K156
 (000 @‚pu F>puÊ <QYp BYp `v)
(000s omitted)

31.3.2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà 31.3.2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãÃ

Year ended 31.3.2009 Year ended 31.3.2008

Þã ãäÌããä¶ã½ã¾ã „¦ããÀ-Þãü¤ãÌã - ¶ã‡ãŠªãè ¹ãÆÌããÖ

F. EXCHANGE FLUCTUATION CASH FLOW
Øããõ¥ã ºããâ¡ ¹ãì¶ã½ãÃîʾã¶ã
Revaluation of Sub ordinated Bonds 6,625,000 (1,291,723)
ãäÌãªñÍããè ½ãì³ã ãäÌããä¶ã½ã¾ã ‚ããÀãäàããä¦ã
Foreign Currency Translation Reserve 13,956,615 (894,221)

¾ããñØã / Total 20,581,615 (2,185,944)

œ ÌãÓãà ‡ãŠãè Ôã½ããã书㠹ãÀ ¶ã‡ãŠªãè †Ìãâ ¶ã‡ãŠªãè Ôã½ã¦ãìʾã

G. CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR
Öã©ã ¶ã‡ãŠªãè (ƒÔã½ãò ãäÌãªñÍããè ‡ãŠÀòÔããè ¶ããñ› ¦ã©ãã ÔÌã¥ãà Ôããä½½ããäÊã¦ã Öö)
Cash in hand (including foreign currency notes and gold) 42,955,158 32,203,111
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ½ãò •ã½ããÀããäÍã¾ããú
Balances with Reserve Bank of India 512,506,569 483,143,047
ºãö‡ãŠãò ½ãò •ã½ããÀããäÍã¾ããú ¦ã©ãã ½ããúØã †Ìãâ ‚ãʹã ÔãîÞã¶ãã ¹ãÀ ¹ãÆ㹾㠣ã¶ãÀããäÍã
Balances with Banks and Money at Call and Short Notice 488,576,259 159,317,192

¾ããñØã / Total 1,044,037,986 674,663,350

`∫OpbZ@‚Op{: SIGNED BY:

¡ãù. ‚ãÍããñ‡ãŠ ¢ãì¶ã¢ãì¶ãÌããÊãã ‚ããÀ. Ñããè£ãÀ¶ã Dr. Ashok Jhunjhunwala R. Sridharan

ãäªÊããè¹ã Ôããè. Þããõ‡ãŠÔããè
†Ôã. Ìãö‡ãŠ›ãÞãÊã½ã
¡ãè. Ôã춪À½ã
¡ãù. ªñÌãã¶ã¶ª ºãÊããñ£ããè
¹ãÆãñ. ½ããñÖ½½ãª ÔãÊããÖìªáªãè¶ã ‚ãâÔããÀãè
¡ãù. (Ñããè½ã¦ããè) ÌãÔãâ¦ãã ¼ãÁÞãã
Ñããè½ã¦ããè ;ãã½ãÊãã Øããñ¹ããè¶ãã©ã
} }
T}VzR <SQu]@ ‚ããõÀ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ Dileep C. Choksi Managing Director &
Group Executive (A & S)
(ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããúâ) S. Venkatachalam
D. Sundaram
Directors
<SQu]@‚ Dr. Deva Nand Balodhi
†Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãà Prof. Md. Salahuddin Ansari S.K. Bhattacharyya
T}VzR <SQu]@ ‚ããõÀ ½ã쌾㠨ãɥ㠆Ìãâ Dr. (Mrs.) Vasantha Bharucha Managing Director and Chief
•ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè Credit & Risk Officer
Smt. Shyamala Gopinath

dpuX T}@‚p] WJoJ> O. P. Bhatt

döYb Chairman

@‚pu[@‚pOp Kolkata
9 Xe{, 2009 9th May, 2009

157

C157 K157
 ÊãñŒãã¹ãÀãèàã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã REPORT OF THE AUDITORS
¹ãÆãä¦ã To
¼ããÀ¦ã ‡ãñŠ Àãӛȹããä¦ã, The President of India,
1. ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããä£ããä¶ã¾ã½ã, 1955 ‡ãŠãè £ããÀã 41(1) ‡ãñŠ 1. We, the undersigned Auditors of State Bank of
‚ãâ¦ãØãæã ãä¶ã¾ãì‡ã‹¦ã Ö½ã, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ‚ã²ããñÖÔ¦ããàãÀãè India, appointed under Section 41(1) of the State
ÊãñŒãã¹ãÀãèàã‡ãŠ ºãö‡ãŠ ‡ãñŠ ¦ãìÊã¶ã¹ã¨ã, Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãññ ¦ã©ãã ¶ã‡ãŠªãè Bank of India Act, 1955, do hereby report to the
Central Government upon the Balance Sheet,
¹ãÆÌããÖ ãäÌãÌãÀ¥ã ‡ãñŠ ºããÀñ ½ãò ‡ãòŠ³ ÔãÀ‡ãŠãÀ ‡ãŠãñ †¦ãªá´ãÀã ‚ã¹ã¶ããè Profit & Loss Account and the Cash Flow
ãäÀ¹ããñ›Ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãñ Öö. Statement of the Bank.
2. Ö½ã¶ãñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ 31 ½ããÞãà 2009 ‡ãñŠ ÔãâÊãض㠦ãìÊã¶ã¹ã¨ã 2. We have audited the attached Balance Sheet of
‚ããõÀ „Ôããè ¦ããÀãèŒã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ State Bank of India as at 31st March 2009, the
¦ã©ãã ¶ã‡ãŠªãè ¹ãÆÌããÖ ãäÌãÌãÀ¥ã ‡ãŠãè ÊãñŒãã¹ãÀãèàãã ‡ãŠãè Öõ. „‡ã‹¦ã ãäÌã§ããè¾ã Profit & Loss Account and the Cash Flow
Statement of the Bank for the year ended on that
ãäÌãÌãÀ¥ããò ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ‡ãñŠ ÊãñŒãñ Íãããä½ãÊã Öö: date annexed thereto. Incorporated in the said
i) ‡ãñŠ¶³ãè¾ã ‡ãŠã¾ããÃÊã¾ã, ÞããõªÖ Ô©ãã¶ããè¾ã ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã, ‡ãŠãÀ¹ããñÀ›ñ financial statements are the accounts of:
ÊãñŒãã Ôã½ãîÖ (‡ãñŠ¶³ãè¾ã), ½ã£¾ã-‡ãŠãÀ¹ããñÀ›ñ Ôã½ãîÖ (‡ãñŠ¶³ãè¾ã), i) The Central Office, fourteen Local Head
¦ã¶ããÌãØãÆԦ㠂ãããäԦ㠹ãƺãâ£ã¶ã Ôã½ãîÖ (‡ãñŠ¶³ãè¾ã), ‚ããõÀ 42 Offices, Corporate Accounts Group (Central),
(ºã¾ããÊããèÔã) ÍããŒãã‚ããò ‡ãñŠ, ãä•ã¶ã‡ãŠãè ÊãñŒãã¹ãÀãèàãã Ö½ã¶ãñ ‡ãŠãè Öõ; Mid-Corporate Group (Central), Stressed
Assets Management Group (Central) and
ii) 9255 (¶ããõ Ö•ããÀ ªãñ Ôããõ ¹ãÞã¹ã¶ã) ¼ããÀ¦ããè¾ã ÍããŒãã‚ããò ‡ãñŠ, forty two branches audited by us;
ãä•ã¶ã‡ãŠãè ÊãñŒãã¹ãÀãèàã㠂㶾ã ÊãñŒãã¹ãÀãèàã‡ãŠãò ¶ãñ ‡ãŠãè; ii) 9255 Indian Branches audited by other
iii) ãäÌãªñÍã ãäÔ©ã¦ã 40 (ÞããÊããèÔã) ÍããŒãã‚ããò ‡ãŠãè ÊãñŒãã¹ãÀãèàãã auditors;
Ô©ãã¶ããè¾ã ÊãñŒãã¹ãÀãèàã‡ãŠãò ¶ãñ ‡ãŠãè; ¦ã©ãã iii) 40 Foreign Branches audited by the local
iv) 2504 (ªãñ Ö•ããÀ ¹ããúÞã Ôããõ ÞããÀ) ‚㶾㠼ããÀ¦ããè¾ã ÍããŒãã‚ããò auditors; and
‡ãñŠ, ãä•ã¶ã‡ãŠãè ‚ãÊãñŒãã¹ãÀãèãäàã¦ã ãäÌãÌãÀãä¥ã¾ããú ÍããŒãã ¹ãƺãâ£ã‡ãŠãò iv) 2504 other Indian Branches, the unaudited
´ãÀã ¹ãƽããããä¥ã¦ã ‡ãŠãè ØãƒÃ Öö. ƒ¶ã ‚ãÊãñŒãã¹ãÀãèãäàã¦ã ÍããŒãã‚ããò returns of which are certified by the Branch
Managers. These unaudited branches
‡ãŠã ãäÖÔÔãã ‚ããäØãƽããò ½ãò 0.54%, •ã½ããÀããäÍã¾ããò ½ãò 2.11%,
account for 0.54% of advances, 2.11% of
º¾ãã•ã ‚ãã¾ã ½ãò 0.44% ¦ã©ãã º¾ãã•ã ̾ã¾ã ½ãò 1.45% Öõ. deposits, 0.44% of interest income and
¾ãñ ãäÌã§ããè¾ã ãäÌãÌãÀ¥ã ºãö‡ãŠ-¹ãƺãâ£ã¶ã ‡ãŠãè ãä•ã½½ãñªãÀãè Öö. Ö½ããÀãè ãä•ã½½ãñªãÀãè 1.45% of interest expenses.
‚ã¹ã¶ãñ ÊãñŒãã¹ãÀãèàãã-‡ãŠã¾ãà ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ƒ¶ã ãäÌã§ããè¾ã ãäÌãÌãÀ¥ããò ¹ãÀ These financial statements are the responsibility
‚ããä¼ã½ã¦ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¶ãã Öõ. of the Bank’s Management. Our responsibility is
to express an opinion on these financial
3. Ö½ã¶ãñ ‚ã¹ã¶ãã ÊãñŒãã¹ãÀãèàãã-‡ãŠã¾ãà ¼ããÀ¦ã ½ãò Ôãã½ã㶾ã¦ã: ÔÌããè‡ãðŠ¦ã statements based on our audit.
ÊãñŒãã¹ãÀãèàãã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ã¶ãìÔããÀ ãä‡ãŠ¾ãã Öõ. ƒ¶ã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ãâ¦ãØãæã 3. We conducted our audit in accordance with the
¾ãÖ ‚ã¹ãñàãã ‡ãŠãè •ãã¦ããè Öõ ãä‡ãŠ ֽ㠂ã¹ã¶ããè ÊãñŒãã¹ãÀãèàãã ‡ãŠãè ¾ããñ•ã¶ãã auditing standards generally accepted in India.
ƒÔã ¹ãƇãŠãÀ ºã¶ãã†â ‚ããõÀ ãä¶ãÓ¹ããã䪦㠇ãŠÀò, ¦ãããä‡ãŠ Ö½ã Ôã½ãìãäÞã¦ã ¹ã Those standards require that we plan and
Ôãñ ƒÔã ºããÀñ ½ãò ‚ããÍÌãÔ¦ã Öãñ •ãã†â ãä‡ãŠ ãäÌã§ããè¾ã ãäÌãÌãÀ¥ããò ½ãò perform the audit to obtain reasonable assurance
ãäÌãÓã¾ãÌãÔ¦ãì Ô㽺㶣ããè ‡ãŠãñƒÃ ØãÊã¦ã ãäÌãÌãÀ¥ã ¶ãÖãé ã䪆 ØㆠÖö. about whether the financial statements are free
of material misstatement. An audit includes
ÊãñŒãã¹ãÀãèàãã ‡ãñŠ ‚ãâ¦ãØãæã ãäÌã§ããè¾ã ãäÌãÌãÀ¥ããò ½ãò ¹ãÆÔ¦ãì¦ã ÀããäÍã¾ããò ‚ããõÀ examining, on a test basis, evidence supporting
¹ãƇ㊛ãè‡ãŠÀ¥ããò ‡ãñŠ Ôã½ã©ãö㠽ãò ã䪆 ØㆠÔããà¾ã ‡ãŠãè ¹ãÀãèàã¥ã ‚ãã£ããÀ the amounts and disclosures in the financial
¹ãÀ •ããâÞã ‡ãŠãè •ãã¦ããè Öõ. ÊãñŒãã¹ãÀãèàãã ‡ãñŠ ‚ãâ¦ãØãæ㠹ãƺãâ£ã¶ã ´ãÀã ¹ãƾãì‡ã‹¦ã statements. An audit also includes assessing the
ÊãñŒãã-ãäÔã®ãâ¦ããò ¦ã©ãã ¹ãƽãìŒã ‚ãã‡ãŠÊã¶ããò ‡ãŠã ãä¶ã£ããÃÀ¥ã ¦ã©ãã Ôã½ãØãÆ accounting principles used and significant
ãäÌã§ããè¾ã ãäÌãÌãÀ¥ã ‡ãŠãè ¹ãÆÔ¦ãìãä¦ã ‡ãŠã ½ãîʾããâ‡ãŠ¶ã ¼ããè ãä‡ãŠ¾ãã •ãã¦ãã Öõ. estimates made by the Management, as well as
evaluating the overall financial statement
Ö½ãò ãäÌãÍÌããÔã Öõ ãä‡ãŠ Ö½ããÀã ÊãñŒãã¹ãÀãèàãã ‡ãŠã¾ãà ֽããÀñ ‚ããä¼ã½ã¦ã ‡ãñŠ presentation. We believe that our audit provides
ãäÊㆠ†‡ãŠ Ôã½ãìãäÞã¦ã ‚ãã£ããÀ ¹ãƪã¶ã ‡ãŠÀ¦ãã Öõ. a reasonable basis for our opinion.

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4. ¦ãìÊã¶ã¹ã¨ã ‚ããõÀ Êãã¼ã †Ìãâ Öããä¶ã Œãã¦ãã ºãö‡ãŠ‡ãŠãÀãè ãäÌããä¶ã¾ã½ã¶ã 4. The Balance Sheet and the Profit & Loss Account
have been drawn up in Forms ‘A’ and ‘B’
‚ããä£ããä¶ã¾ã½ã, 1949 ‡ãŠãè ¦ãð¦ããè¾ã ‚ã¶ãìÔãîÞããè ‡ãñŠ ‰ãŠ½ãÍã: `‡ãŠ' ‚ããõÀ
respectively of the Third Schedule to the Banking
`Œã' ¹ãŠã½ããô ½ãò ¦ãõ¾ããÀ ãä‡ãŠ† ØㆠÖö ‚ããõÀ ¾ãñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ Regulation Act, 1949 and these give information
‚ããä£ããä¶ã¾ã½ã, 1955 ¦ã©ãã „Ôã‡ãñŠ ‚ãâ¦ãØãæ㠺ã¶ãñ ãäÌããä¶ã¾ã½ããò ‡ãñŠ „¹ãºãâ£ããò as required to be given by virtue of the provisions
‡ãñŠ ‚ã¶ãìÔããÀ ‚ã¹ãñãäàã¦ã •ãã¶ã‡ãŠãÀãè ªñ¦ãñ Öö. of the State Bank of India Act, 1955, and
Regulations there under.
5. „¹ã¾ãìÇ㋦㠂ã¶ãìÞœñª 2 ‡ãñŠ Ôãã©ã ¹ãã䟦ã, Ö½ã ãä¶ã½¶ãã¶ãìÔããÀ ãäÀ¹ããñ›Ã 5. We report, read with paragraph 2 above:
‡ãŠÀ¦ãñ Öö ãä‡ãŠ :
(a) We have obtained all the information and
(‡ãŠ) Ö½ã¶ãñ •ãÖãú ¼ããè ‡ãŠãñƒÃ •ãã¶ã‡ãŠãÀãè ‚ããõÀ Ô¹ãÓ›ãè‡ãŠÀ¥ã ½ããúØãã Öõ, explanations which to the best of our
knowledge and belief, were necessary for the
•ããñ Ö½ããÀãè ÊãñŒãã¹ãÀãèàãã ‡ãñŠ ¹ãƾããñ•ã¶ã Ôãñ Ö½ããÀãè •ãã¶ã‡ãŠãÀãè ‚ããõÀ purposes of our audit and have found them
ãäÌãÍÌããÔã ‡ãñŠ ‚ã¶ãìÔããÀ ‚ããÌã;ã‡ãŠ ©ãã, Ö½ãò ÌãÖ •ãã¶ã‡ãŠãÀãè to be satisfactory.
‚ããõÀ Ô¹ãÓ›ãè‡ãŠÀ¥ã ã䪾ãã Øã¾ãã Öõ ‚ããõÀ Ö½ã¶ãñ „Ôãñ Ôãâ¦ããñÓã•ã¶ã‡ãŠ (b) The transactions of the Bank, which have
¹ãã¾ãã Öõ. come to our notice, have been within the
powers of the Bank.
(Œã) Ö½ããÀãè •ãã¶ã‡ãŠãÀãè ½ãò ‚ãㆠºãö‡ãŠ ‡ãñŠ Êãñ¶ã-ªñ¶ã ºãö‡ãŠ ‡ãñŠ
‚ããä£ã‡ãŠãÀ-àãñ¨ã ½ãò Öãè Öö. (c) The returns received from the offices and
branches of the Bank have been found
(Øã) ºãö‡ãŠ ‡ãñŠ ‡ãŠã¾ããÃÊã¾ããò ‚ããõÀ ÍããŒãã‚ããò Ôãñ ¹ãÆ㹦ã ãäÌãÌãÀãä¥ã¾ããú adequate for the purposes of our audit.
Ö½ããÀãè ÊãñŒãã¹ãÀãèàãã ‡ãñŠ „ªáªñ;ã Ôãñ „ãäÞã¦ã ¹ããƒÃ ØãƒÃ Öö. 6. In our opinion, the Balance Sheet, Profit and Loss
Account and Cash Flow statement comply with
6. Ö½ããÀñ ‚ããä¼ã½ã¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ¦ãìÊã¶ã¹ã¨ã, Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãã the applicable accounting standards.
¦ã©ãã ¶ã‡ãŠªãè ¹ãÆÌããÖ ãäÌãÌãÀ¥ã ÊããØãî ÊãñŒãã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ã¶ãì¹ã Öö. 7. In our opinion and to the best of our information
and according to the explanations given to us
7. Ö½ããÀñ ‚ããä¼ã½ã¦ã ‚ããõÀ Ö½ããÀãè •ãã¶ã‡ãŠãÀãè ¦ã©ãã Ö½ãñâ ã䪆 Øㆠ‚ããõÀ and as shown by the books of the Bank;
ºãö‡ãŠ ‡ãŠãè ºããäÖ¾ããò ½ãò ªÍããÆ Øㆠãä¶ã½¶ã Ô¹ãÓ›ãè‡ãŠÀ¥ããò ‡ãñŠ ‚ã¶ãìÔããÀ :
(i) the Balance Sheet, read with the Principal
(i) ¹ãƽãìŒã ÊãñŒãã ¶ããèãä¦ã¾ããò ‡ãñŠ ãäÌãÌãÀ¥ã †Ìãâ ÊãñŒãã-ã䛹¹ããä¥ã¾ããò ‡ãñŠ Accounting Policies and the Notes to
Accounts, is a full and fair Balance Sheet
Ôãã©ã ¹ãü¤ñ •ãã¶ãñ ¹ãÀ ¦ãìÊã¶ã¹ã¨ã ¹ãî¥ãà †Ìãâ ÔãÖãè Öõ, ãä•ãÔã½ãò containing all the necessary particulars and
Ôã½ãԦ㠂ããÌã;ã‡ãŠ •ãã¶ã‡ãŠãÀãè Íãããä½ãÊã Öõ ¦ã©ãã „Ôãñ ƒÔã ¹ãƇãŠãÀ is properly drawn up so as to exhibit a true
¦ãõ¾ããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ ãä‡ãŠ ÌãÖ 31 ½ããÞãà 2009 ‡ãŠãñ ºãö‡ãŠ and fair view of state of affairs of the Bank
‡ãñŠ ‡ãŠã½ã‡ãŠã•ã ‡ãŠã ÔãÖãè ‚ããõÀ Ôã›ãè‡ãŠ ãäÞã¨ã ªÍããæãã Öõ; as at 31st March 2009;
(ii) the Profit and Loss Account, read with the
(ii) ¹ãƽãìŒã ÊãñŒãã ¶ããèãä¦ã¾ããò †Ìãâ ÊãñŒãã-ã䛹¹ããä¥ã¾ããò ‡ãñŠ Ôãã©ã ¹ãü¤ñ Principal Accounting Policies and the Notes
•ãã¶ãñ ¹ãÀ Êãã¼ã †Ìãâ Öããä¶ã Œãã¦ãã ƒÔããè ã䪶ããâ‡ãŠ ‡ãŠãñ Ôã½ã㹦ã to Accounts, shows a true balance of Profit
ÌãÓãà ‡ãñŠ Êãã¼ã ‡ãŠã ÔãÖãè ÍãñÓã ªÍããæãã Öõ; ¦ã©ãã for the year ended on that date; and
(iii) the Cash Flow Statement gives a true and
(iii) ¶ã‡ãŠªãè ¹ãÆÌããÖ ãäÌãÌãÀ¥ã, Ôã⪼ãããããè¶ã ãä¦ããä©ã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà fair view of the cash flows for the year
‡ãñŠ ¶ã‡ãŠªãè ¹ãÆÌããÖ ‡ãŠã ÔãÖãè †Ìãâ Ôã›ãè‡ãŠ ãäÞã¨ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãã ended on that date, and are in conformity
Öõ, ¦ã©ãã ¼ããÀ¦ã ½ãò Ôãã½ã㶾ã¦ã: ÔÌããè‡ãðŠ¦ã ÊãñŒãã ãäÔã´ã¶¦ããò ‡ãñŠ with the Accounting Principles generally
‚ã¶ãì¹ã Öõ. accepted in India.

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 _pz<\<R@‚ @u‚ÆÈrY [uApTZrb@‚ STATUTORY CENTRAL AUDITORS
‡ãðŠ¦ãñ ‚ããÀ. •ããè. †¶ã. ¹ãÆãƒÔ㠆⡠‡ãâŠ. ‡ãðŠ¦ãñ Ìããè. ‡ãñŠ. ãä•ãâªÊ㠆⡠‡ãâŠ.
For R. G. N. Price & Co. For V. K. Jindal & Co.
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants

¹ããè. †½ã. ÌããèÀ½ããä¥ã Ìããè. ‡ãñŠ. ãä•ãâªÊã

P. M. Veeramani V. K. Jindal
¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 023933 ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 070666

‡ãðŠ¦ãñ Øã칦ã㠆⡠ÍããÖ

‡ãðŠ¦ãñ •ãõ¶ã ‡ãŠãä¹ãÊãã †ÔããñãäÔ㆛áÔã For Gupta & Shah
For Jain Kapila Associates Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
ÍãÀª ÍããÖ
¡ãè. ‡ãñŠ. ‡ãŠãä¹ãÊãã Sharad Shah
D. K. Kapila ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 070601
¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 016905
‡ãðŠ¦ãñ Þããõ‡ãŠÍããè †â¡ Þããõ‡ãŠÍããèè
‡ãðŠ¦ãñ ª§ãã ãäÔãâØãÊã㠆⡠‡ãâŠ. For Chokshi & Chokshi
For Datta Singla & Co. Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
‡ãŠã¶ãî Þããõ‡ãŠÍããè
Àã•ããèÌã ª§ãã Kanu Chokshi
Rajiv Datta ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 17085
¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 11546
‡ãðŠ¦ãñ Ìã£ãýãã¶ã †â¡ ‡ãâŠ.
‡ãðŠ¦ãñ †. ‡ãñŠ. Ôããºã¦ã †â¡ ‡ãâŠ. For Vardhaman & Co.
For A. K. Sabat & Co. Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ìããè. ¼ããÔ‡ãŠÀ¶ã
¡ãè. ãäÌã•ã¾ã ‡ã슽ããÀ V. Baskaran
D. Vijaya kumar ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 012202
¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 051961
‡ãðŠ¦ãñ ¡ãè. ¹ããè. Ôãñ¶ã †â¡ ‡ãâŠ.
‡ãðŠ¦ãñ †. ‚ããÀ. ãäÌãÍÌã¶ãã©ã¶ã †â¡ ‡ãâŠ. For D. P. Sen & Co.
For A. R. Viswanathan & Co Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
†½ã.†Êã. ÔãÀ‡ãŠãÀ
†. Ìããè. Ìãò‡ãŠ›ãÞãÊã½ã M. L. Sarkar
A. V. Venkatachalam ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 012961
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Partner: Ôã.Ôãâ. M. No. 19546
‡ãðŠ¦ãñ ª§ã ÔãÀ‡ãŠãÀ †â¡ ‡ãâŠ.
‡ãðŠ¦ãñ †Ôã. ‡ãñŠ. ãä½ã§ãÊ㠆⡠‡ãâŠ. For Dutta Sarkar & Co.
For S. K. Mittal & Co. Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
ºããè. ‡ãñŠ. ª§ã
†Ôã. ‡ãñŠ. ãä½ã§ãÊã B. K. Dutta
S. K. Mittal ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 16175
¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 08506
‡ãðŠ¦ãñ ØãìÖã ¶ãâªãè †â¡ ‡ãâŠ.
‡ãðŠ¦ãñ •ããè.†½ã. ‡ãŠ¹ãããäü¡¾ã㠆⡠‡ãâŠ. For Guha Nandi & Co.
For G. M. Kapadia & Co. Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ Chartered Accountants
¡ãù. ºããè. †Ôã. ‡ãì⊡ì
‚ã¦ãìÊã ÍããÖ Dr. B. S. Kundu
Atul Shah ¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 051221
¼ããØããèªãÀ Partner: Ôã.Ôãâ. M. No. 039569
@‚pu[@‚pOp, Kolkata
9 Xe{, 2009 9th May, 2009

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WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ‡ãŠã

Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã
Consolidated Financial Statements
of State Bank Group

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C161 K161
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

31 XpE{ 2009 @‚√ ˘∫P<O @u‚ dSs_pZ (_Xuq@‚O) Os[STm

WpZOrY ∫J>uJ> Vvõ@‚ @‚p (000 @‚pu F>puÊ <QYp BYp `v)
STATE BANK OF INDIA (CONSOLIDATED) BALANCE SHEET AS ON 31ST MARCH 2009 (Rs. in thousand)

TtzGr dpvZ QuYOphy 31.3.2009@‚√ ˘∫P<O 31.3.2008@‚√ ˘∫P<O

dSs_tEr @u‚ dSs_pZ @u‚ dSs_pZ
_z. (Ep[t \^{) (<TF>∂pp \^{)
CAPITAL AND LIABILITIES Schedule As on 31.3.2009 As on 31.3.2008
No. (Current Year) (Previous Year)

‘. Rs ‘. Rs
TtzGr
Capital ... ... 1 634,88,02 631,47,04
dpZ<b<OYpy dpvZ d<R]u^
Reserves & Surplus ... ... 2 71755,51,31 60604,91,23
d∂Tpz] <`O
Minority Interest ... ... 2A 2228,27,31 2028,12,09
GXpZp<]Ypy
Deposits ... ... 3 1011988,32,63 776416,51,88
fRpZ
Borrowings ... ... 4 64591,64,43 66023,17,07
dÆY QuYOphy dpvZ ¹ãÆãÌã£ãã¶ã
Other Liabilities and Provisions ... ... 5 153627,10,37 121565,32,52
YpuB
TOTAL 1304825,74,07 1027269,51,83

dp˘∫OYpy dSs_tEr 31.3.2009@‚√ ˘∫P<O 31.3.2008@‚√ ˘∫P<O

_z. @u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
ASSETS Schedule As on 31.3.2009 As on 31.3.2008
No. (Current Year) (Previous Year)

‘. Rs. ‘. Rs.
WpZOrY qZ˚\{ Vvõ@‚ Xuõ S@‚Qr dpvZ d<O]u^
Cash and Balances with Reserve Bank of India ... ... 6 74161,06,66 74817,25,54
Vvõ@‚puz Xuõ •ã½ããÀããäÍã¾ããú dpvZ XpzB TZ OPp d∂T _tESp TZ T}pØY RS
Balances with banks and money at call and short notice ... 7 51100,62,90 14211,16,16
<\<SRpS
Investments ... ... 8 372231,44,86 273841,72,43
d<B}X
Advances ... ... 9 750362,38,45 603221,94,04
dE[ dp˘∫OYpy
Fixed Assets ... ... 10 5223,47,75 4662,78,97
dÆY dp˘∫OYpy
Other Assets ... ... 11 51746,73,45 56514,64,69
YpuB
TOTAL 1304825,74,07 1027269,51,83

_Xp<kO QuYOphy
Contingent Liabilities ... ... 12 860686,08,21 945770,20,75
_zB}`N @u‚ <[h <V[
Bills for Collection ... ... 49938,35,27 25225,90,75
T}XsA [uAp Sr<OYpy / Principal Accounting Policies ... ... 17
[uAp-qJ>ØT<NYpy / Notes on Accounts ... ... 18

162

C162 K162
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

1 — TtzGr
dSs_tEr
SCHEDULE 1 — CAPITAL
(000 @‚pu F>puÊ> <QYp BYp `v)
(000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ (Ep[t \^{) @u‚ dSs_pZ (qTF>[p \^{)
As on 31.3.2009 As on 31.3.2008
(Current year) (Previous year)

‘. Rs. ‘. Rs.

- 10/- ‘Th T}<O ]uYZ \p[u 100,00,00,000 ]uYZ

T}p<R@w‚O TtzGr
Authorised Capital - 100,00,00,000 shares of Rs.10/- each 1000,00,00 1000,00,00
ãä¶ãØãÃãä½ã¦ã TtzGr - 63,49,68,500 (ãä¹ãœÊãñ ÌãÓãà 63,15,58,654) ¹ãƦ¾ãñ‡ãŠ ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀ Á. 10/- ‡ãŠã
Issued Capital -
63,49,68,500(Previous Year 63,15,58,654) Equity Shares of Rs.10/- each 634,96,85 631,55,87
‚ããä¼ãª¦ã ‚ããõÀ Ôã⪦㠹ãîâ•ããè - 63,48,80,222 Íãñ¾ãÀ (ãä¹ãœÊãñ ÌãÓãà 63,14,70,376) ¹ãƦ¾ãñ‡ãŠ Íãñ¾ãÀ Á. 10/- ‡ãŠã
[ ƒÔã½ãò 2,71,28,722 (31.03.2008 ‡ãŠãñ 4,24,81,772) Íãñ¾ãÀ Ôããä½½ããäÊã¦ã Öö •ããñ 1,35,64,361
(31.03.2008 ‡ãŠãñ 2,12,40,886) ÌãõãäÍÌã‡ãŠ •ã½ãã ÀÔããèªãò ‡ãñŠ ¹㠽ãò Öö ].
Subscribed and Paid up Capital - 63,48,80,222 (previous year 63,14,70,376) 634,88,02 631,47,04
shares of Rs 10/- each
[includes 2,71,28,722 (4,24,81,772 as on 31.3.08) shares represented
by 1,35,64,361 (2,12,40,886 as on 31.03.08) Global Depository Receipts
YpuB / TOTAL 634,88,02 631,47,04

2 — dpZ<b<OYpy dpvZ d<R]u^

dSs_tEr
SCHEDULE 2 — RESERVES & SURPLUS (000 @‚pu F>puÊ> <QYp BYp `v)
(000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs. ‘. Rs. ‘. Rs.
I. @‚pStSr dpZ<b<OYpy
Statutory Reserves
dP]u^
Opening Balance ... ... ... 30282,32,41 24708,88,63
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 5999,18,65 5573,43,78
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... — 36281,51,06 — 30282,32,41

II. TtzGr dpZ<b<OYpy

Capital Reserves #
dP]u^
Opening Balance ... ... ... 806,20,67 794,94,99
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 1024,36,81 11,25,68
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... — 1830,57,48 — 806,20,67

III. ]uYZ T}r<XYX

Share Premium
dP]uu^
Opening Balance ... ... ... 20098,96,75 3510,57,33
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 560,16,95 16617,09,67
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 1,21,18 20657,92,52 28,70,25 20098,96,75

# _Xu@‚S TZ ‘. 164,08,17 `GpZ (<TF>[u \^{ ‘. 173,29,00 `GpZ) TtzGr dpZ<bOr ]p<X[ `v.
# includes Capital Reserve on consolidation Rs. 164,08,17 thousand (Previous Year Rs. 173,29,00 thousand)

163

C163 K163
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

2 — dpZ<b<OYpy dpvZ d<R]u^ (GpZr)

dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 2 — RESERVES & SURPLUS (Contd.) (000s omitted)
31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O
@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs. ‘. Rs. ‘. Rs.
IV. <S\u] dpZ<b<OYpy
Investment Reserve
dP]uu^
Opening Balance ... ... ... 62,17,87 —
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 12,35 62,17,87
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 62,30,22 — — 62,17,87

V. <\ªñÍããè XsÈp ãäÌããä¶ã½ã¾ã dpZ<b<OYpy

Forex Translation Reserve
dP]uu^
Opening Balance ... ... ... 216,70,38 317,83,95
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 1530,98,35 —
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... — 1747,68,73 101,13,57 216,70,38

VI. ‚ãã¾ã dpvZ dÆY dpZ<b<OYpy

Revenue and Other Reserves
dP]u^
Opening Balance ... ... ... 9050,78,96 12558,08,41
\^{ @u‚ QpvZpS TqZ\R{S##
Additions during the year## ... ... ... 1995,31,99 1772,36,55
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 24,29,11 11021,81,84 5279,66,00 9050,78,96

VII. [pW dpvZ `p<S ApOu Xuõ ]u^ ... ... ... 215,99,68 87,74,19
Balance in Profit and Loss Account
YpuB TOTAL 71755,51,31 60604,91,23
## Ôã½ãñ‡ãŠ¶ã Ôã½ãã¾ããñ•ã¶ããò ‡ãŠãñ Üã›ã‡ãŠÀ
## net of consolidation adjustments

2 @‚ — d∂Tpz] <`O
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 2A — MINORITY INTEREST (000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.
]uYZ TtzGr
Share Capital ... ... ... 732,88,49 687,10,51
dpZ<b<OYpy h\z d<R]u^
Reserves & Surplus ... ... ... 1495,38,82 1341,01,58
YpuB TOTAL 2228,27,31 2028,12,09

164

C164 K164
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

3 — <SbuT
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 3 — DEPOSITS (000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.

@‚. I. XpzB <SbuT

A. I. Demand Deposits
(i) Vvõ@‚puõ _u
From Banks ... ... ... ... 12586,57,54 14451,43,01
(ii) dÆY _u
From Others ... ... ... ... 119487,87,68 105165,34,89

II. VEO Vvõ@‚ <SbuT

Savings Bank Deposits ... ... ... ... 257008,50,77 205393,41,81
III. _p\<R <SbuT
Term Deposits
(i) Vvõ@‚puõ _u
From Banks ... ... ... ... 12600,45,27 7098,89,20
(ii) dÆYpuõ _u
From Others ... ... ... ... 610304,91,37 444307,42,97

YpuB TOTAL 1011988,32,63 776416,51,88

A. (i) WpZO ˘∫PO ]pApdpuõ @u‚ <SbuT

B. Deposits of Branches in India ... ... ... ... 972058,23,40 748246,84,74
(ii) WpZO @u‚ Vp`Z ˘∫PO ]pApdpuõ @u‚ <SbuT
Deposits of Branches outside India... ... ... ... 39930,09,23 28169,67,14

4 — fRpZ
dSs_tEr
SCHEDULE 4 — BORROWINGS (000 @‚pu F>puÊ> <QYp BYp `v)
(000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.

I. WpZO Xuõ fRpZ

Borrowings in India
(i) WpZOrY qZ˚\{ Vvõ@‚
Reserve Bank of India ... ... ... ... 700,00,00 2127,00,00
(ii) dÆY Vvõ@‚
Other Banks ... ... ... ... 2979,59,20 10829,61,15
(iii) dÆY _z∫Pphy dpvZ d<W@‚ZN
Other Institutions and Agencies ... ... ... ... 9010,74,75 10077,35,71
II. WpZO @u‚ Vp`Z _u fRpZ
Borrowings outside India ... ... ... ... 51901,30,48 42989,20,21

YpuB TOTAL
64591,64,43 66023,17,07
(I dpvZ and II )
g‚TZI dpvZ II Xuõ _˘≥X<[O T}<OWtO fRpZ
Secured Borrowings included in I & II above ... ... ... ... 4467,81,12 4824,41,65

165

C165 K165
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

5 — dÆY Qp<Y´\ dpvZ ¹ãÆãÌã£ãã¶ã

dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 5 — OTHER LIABILITIES & PROVISIONS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.
I. _zQuY <V[
Bills payable ... ... ... ... 24105,02,03 24853,42,06
II. dzOZ-@‚pYp{[Y _XpYpuGS (<S\[)
Inter-Office adjustments (net) ... ... ... ... 5847,80,01 921,17,93
III. T}puQoWtO ±YpG
Interest accrued ... ... ... ... 10135,91,51 7458,37,56
V. dp∫P<BO @‚Z Qp<Y´\
Deferred Tax Liabilities ... ... ... ... 8,78 11,98
VI. dÆY (e_Xuõ ¹ãÆãÌã£ãã¶ã _˘≥X<[O `võ)
[È. 36320.80 H$amoãS> Ho$ Jm°U F$U
(31.03.2008 H$mo È. 27975.37 H$amoãS>)
Am°a È. 4345.00 H$amoãS> Ho$ ~o_r`mXr ~m∞ S>
(31.03.2008 H$mo È. 3694.50 H$amoãS>) gpÂ_{bV h°]
Others (including provisions) ... ... ... ... 113538,28,04 88332,22,99
[Includes Subordinated Debt of Rs. 36320.80 crores
(Rs. 27975.37 crores as on 31.03.2008) and perpetual
bonds of Rs. 4345.00 crores
(Rs. 3694.50 crores as on 31.03.2008)]

YpuB
TOTAL 153627,10,37 121565,32,52

6 —
dSs_tEr S@‚Qr dpvZ WpZOrY qZ˚\{ Vvõ@‚ Xuõ •ã½ããÀããäÍã¾ããú
SCHEDULE 6 — CASH AND BALANCES WITH RESERVE BANK OF INDIA (000 @‚pu F>puÊ> <QYp BYp `v)
(000s omitted)
31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O
@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.
I. `pP S@‚Qr (e_Xuõ <\Qu]r @‚Zuõ_r SpuJ> OPp ÔÌã¥ãà _˘≥X<[O `võ)
Cash in hand (including foreign currency
notes and gold) ... ... ... ... 5462,49,27 3791,06,09
II. WpZOrY qZ˚\{ Vvõ@‚ Xuõ •ã½ããÀããäÍã¾ããú
Balances with Reserve Bank of India
(i) Ep[t ApOu Xuõ
In Current Account ... ... ... ... 68696,06,06 43612,49,34
(ii) dÆY ApOpuõ Xuõ
In Other Accounts ... ... ... ... 2,51,33 27413,70,11
YpuB
TOTAL 74161,06,66 74817,25,54

166

C166 K166
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

dSs_tEr7 — Vvõ@‚puõ Xuõ •ã½ããÀããäÍã¾ããú dpvZ XpzB TZ OPp d∂T _tESp TZ T}pØY RS
(000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 7 — BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.

I. WpZO Xuõ
In India
(i) Vvõ@‚puõ Xuõ •ã½ããÀããäÍã¾ããú
Balances with banks

(@‚) Ep[t ApOu Xuõ

(a) In Current Account ... ... ... ... 1048,94,28 974,74,30

(A) dÆY GXp ApOpuõ Xuõ

(b) In Other Deposit Accounts ... ... ... ... 11536,11,88 2738,21,61

(ii) XpzB TZ dpvZ d∂T _tESp TZ T}pØY RS

Money at call and short notice

(@‚) Vvõ@‚puõ Xuõ

(a) With banks ... ... ... ... 13146,16,18 4075,14,95

(A) dÆY _z∫Ppdpuõ Xuõ

(b) With Other Institutions ... ... ... ... — —

YpuB
TOTAL 25731,22,34 7788,10,86

II. WpZO @u‚ Vp`Z

Outside India

(i) Ep[t ApOu Xuõ

In Current Account ... ... ... ... 14615,30,56 2141,02,42

(ii) dÆY GXp ApOpuõ Xuõ

In Other Deposit Accounts ... ... ... ... 1760,24,73 930,96,32

(iii) XpzB TZ dpvZ d∂T _tESp TZ T}pØY RS

Money at call and short notice ... ... ... ... 8993,85,27 3351,06,56

YpuB
TOTAL 25369,40,56 6423,05,30

@s‚[ YpuB
GRAND TOTAL 51100,62,90 14211,16,16
( I dpvZ and II )

167

C167 K167
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

8 — <\<SRpS
dSs_tEr
(000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 8 — INVESTMENTS (000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.
I. WpZO Xuõ <\<SRpS
Investments in India in
(i) _Z@‚pZr T}<OWt<OYpy
Government Securities ... ... ... ... 304371,93,75 211357,91,30
(ii) dÆY dSsXpu<QO T}<OWt<OYpy
Other Approved Securities ... ... ... ... 3316,19,62 3962,23,98
(iii) ]uYZ
Shares ... ... ... ... 10357,40,94 9787,29,70
(iv) qL>VuõEZ dpvZ VpzL>
Debentures and Bonds ... ... ... ... 19485,33,17 21038,67,02
(v) dSs^z<BYpy/_zYs°O f X
Subsidiaries/Joint Ventures ... ... ... ... — —
(vi) _`YpuBr
Associates ... ... ... ... 1104,29,77 984,53,30
(vii) dÆY (Yt<SJuõ dp<Q)
Others (Units, etc.) ... ... ... ... 26597,43,89 20456,68,15
YpuB
TOTAL 365232,61,14 267587,33,45
II. WpZO @u‚ Vp`Z <\<SRpS
Investments outside India in
(i) _Z@‚pZr T}<OWt<OYpuõ Xuõ (e_Xuõ ∫PpSrY T}p<R@‚ZN _˘≥X<[O `võ)
Government Securities (including local authorities) ... ... ... 2131,82,66 1708,96,93
(ii) <\Qu] ˘∫PO dSs^z<BYpy/_zYs°O f X
Subsidiaries/Joint Ventures abroad ... ... ... — —
(iii) _`YpuBr
Associates ... ... ... 73,95,05 66,35,50
(iv) dÆY (]uYZ, qL>VuõEZ dp<Q)
Other Investments (Shares, Debentures, etc.) ... ... ... 4793,06,01 4479,06,55
YpuB
TOTAL 6998,83,72 6254,38,98
@s‚[ YpuB
GRAND TOTAL 372231,44,86 273841,72,43
( I dpvZ and II )
III. WpZO Xuz <\<SRpS
Investments in India in
(i) <\<SRpSpuõ @‚p _@‚[ Xt∂Y
Gross Value of Investments ... ... ... ... 367437,74,29 268950,26,38
(ii) Xt∂Y◊p_ @u‚ <[h @s‚[ T}p\RpS
Aggregate of Provisions for Depreciation ... ... ... ... 2205,13,15 1362,92,93
(iii) <S\[ <\<SRpS (g‚TZ I _u)
Net Investments (vide I above) ... ... 365232,61,14 267587,33,45
IV. WpZO @u‚ Vp`Z <\<SRpS
Investments outside India in
(i) <\<SRpSpuõ @‚p _@‚[ Xt∂Y
Gross Value of Investments ... ... ... ... 7333,18,85 6297,49,54
(ii) Xt∂Y◊p_ @u‚ <[h @s‚[ T}p\RpS
Aggregate of Provisions for Depreciation ... ... ... ... 334,35,13 43,10,56
(iii) <S\[ <\<SRpS (g‚TZ II _u)
Net Investments (vide II above) ... ... ... 6998,83,72 6254,38,98
@s‚[ YpuB
GRAND TOTAL 372231,44,86 273841,72,43
( III dpvZ and IV )

168

C168 K168
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

9 — d<B}X
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 9 — ADVANCES (000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.

@‚. (I) @}‚Y q@‚h Bh dpvZ <XOr@‚pJ>u TZ WsBOpS q@‚h Bh <\<SXY Tm

A. Bills purchased and discounted ... ... ... 59174,92,19 50693,99,66
(II) @v‚] @}u‚qL>J>, dpu\ZL~>p∞J> dpvZ ½ããâØã ¹ãÀ ¹ãÆãä¦ãªñ¾ã fRpZ
Cash Credits, Overdrafts and Loans repayable on demand ... ... ... 300353,42,44 222346,44,52
(III) _p\<R fRpZ
Term loans ... ... ... 390834,03,82 330181,49,86
YpuB TOTAL 750362,38,45 603221,94,04

A. (I) XtO{ dp˘∫OYpuõ ÃpZp T}<OWtO

B. Secured by tangible assets ... ... ... 517483,82,61 431886,78,01

(II) _Z@‚pZr T}´YpWt<OYpuõ ÃpZp _zZ<bO

Covered by Government Guarantees ... ... ... 84908,70,99 27008,82,91
(III) dT}<OWtO
Unsecured ... ... ... 147969,84,85 144326,33,12
YpuB TOTAL 750362,38,45 603221,94,04

B. (I) WpZO Xuõ d<B}X

C. Advances in India
(i) T}pP<X@‚Op T}pØO bum
Priority Sector ... ... ... 213187,15,33 180100,76,59
(ii) _p\{G<S@‚ bum
Public Sector ... ... ... 45157,49,19 36479,29,26
(iii) Vvõ@‚
Banks ... ... ... 1357,92,62 1217,03,23
(iv) dÆY
Others ... ... ... 399071,89,13 325873,24,78

YpuB TOTAL 658774,46,27 543670,33,86

(II) WpZO @u‚ Vp`Z d<B}X

Advances outside India
(i) Vvõ@‚puõ _u ]puöY
Due from banks ... ... ... 4357,88,70 2220,08,44
(ii) dÆYpuõ _u ]puöY
Due from others
(@‚) @}‚Y q@‚h Bh dpvZ <XOr@‚pJ>u TZ WsBOpS q@‚h Bh <\<SXY Tm
(a) Bills purchased and discounted ... ... ... 29454,85,00 15654,28,87
(A) d<W^Q fRpZ
(b) Syndicated loans ... ... ... 28537,20,01 20564,34,12
(B) dÆY
(c) Others ... ... ... 29237,98,47 21112,88,75

YpuB TOTAL 91587,92,18 59551,60,18

@s‚[ YpuB GRAND TOTAL 750362,38,45 603221,94,04

( B C.I dpvZ and B C.II )

169

C169 K169
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

10 — ˘∫PZ dp˘∫OYpy
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 10 — FIXED ASSETS (000s omitted)

31.3.2009 @‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs. ‘. Rs. ‘. Rs.

I. @‚. TqZ_Z
A. Premises
31 XpE{ @‚√ ˘∫P<O @u‚ dSs_pZ [pBO TZ
Tt\{\Or{ \^{ @‚√
At cost as on 31st March of the preceding year ... ... ... 2020,16,22 1919,93,70
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 115,44,78 100,83,28
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 1,48,03 60,76

d OS d\bYN
Depreciation to date ... ... ... 799,97,91 1334,15,06 738,88,63 1281,27,59

A. <SXp{NpRrS TqZ_Z
B. Premises under Construction ... ... ... 264,75,68 234,33,61

II. dÆY ˘∫PZ dp˘∫OYpy (e_Xuõ U‚Sr{EZ dpvZ <U‚°_EZ _˘≥X<[O `võ)
Other Fixed Assets (including furniture and fixtures)
Tt\{\Or{ \^{ @u‚‚‚31 XpE{ @‚√ ˘∫P<O @u‚ dSs_pZ [pBO TZ
At cost as on 31st March of the preceding year ... ... ... 9526,84,04 8054,65,39
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... 1421,52,17 1615,02,15
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 110,26,51 142,83,50
d OS d\bYN
Depreciation to date ... ... ... 7240,58,35 3597,51,35 6435,28,19 3091,55,85

III. @‚. TJ>oJ>p@w‚O dp˘∫OYpy

A. Leased Assets
31 XpE{ @‚√ ˘∫P<O @u‚ dSs_pZ [pBO TZ
Tt\{\Or{ \^{ @‚√
At cost as on 31st March of the preceding year ... ... 1104,41,79 1300,30,74
\^{ @u‚ QpvZpS TqZ\R{S
Additions during the year ... ... ... — —
\^{ @u‚ QpvZpS @‚J>pv<OYpy
Deductions during the year ... ... ... 12,68,66 195,88,95
¹ãÆãÌã£ãã¶ããò ÔããäÖ¦ã d OS d\bYN
Depreciation to date including provisions ... ... ... 1083,79,61 1050,69,08
7,93,52 53,72,71
KQ>mE±Ö nQ≤>Q>m g_m`moOZ Am°a ‡mdYmZ
Less: Lease adjustment and provisions 2,93,24 5,00,28 10,34,28 43,38,43

A. T}p\RpSpuz @‚pu CJ>p@‚Z E[ Z`u TztGrBO @‚pY{ (TJ>oJ>p@w‚O dp˘∫OYpy)

B. Capital works-in-progress (Leased Assets)
net of Provisions ... ... ... 22,05,38 12,23,49

YpuB TOTAL 5223,47,75 4662,78,97

170

C170 K170
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

11 — dÆY dp˘∫OYpy
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 11 — OTHER ASSETS (000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.
(i) dzOZ-Vvõ@‚ Ôã½ãã¾ããñ•ã¶ã (<S\[)
Inter Bank adjustments ... ... ... .... 15,15 20,07,29
(ii) dzOZ-@‚pYp{[Y _XpYpuGS (<S\[)
Inter-Office adjustments (net) ... ... ... .... 3475,61,14 13192,32,03
(iii) T}puQoWtO ±YpG
Interest accrued ... ... ... .... 9563,38,80 8937,30,60
(iv) d<B}X ’‚T _u _zQl @‚Z/_}puO TZ @‚pJ>p BYp @‚Z
Tax paid in advance/tax deducted at source ... ... ... ... 5504,25,48 4539,37,72
(v) [uAS-_pXB}r dpvZ ∫J>pzT
Stationery and stamps ... ... ... ... 122,99,35 123,56,34
(vi) Qp\puõ @‚√ _zOs<πJ> Xuõ T}pØO @‚√ Be{ BvZ-Vvõ@‚@‚pZr dp˘∫OYpy
Non-banking assets acquired in satisfaction of claims ... ... ... ... 10,13,46 6,30,20
(vii) dp∫P<BO @‚Z dp˘∫O
Deferred tax asset ... ... ... .... 2008,08,98 778,51,28
(viii) dp∫P<BO ‚ãã¾ã ∑YY
Deferred Revenue Expenditure ... ... ... .... — —
(ix) dÆY
Others # ... ... ... .... 31062,11,09 28917,19,23
YpuB
TOTAL 51746,73,45 56514,64,69

# g_oH$Z AmYma na gmI È. 610,14,42 hOma em{_b h° ({nN>bo df© È. 404,67,84 hOma)
# Includes Goodwill on consolidation Rs. 610,14,42 thousand (P. Y. Rs. 404,67,84 thousand)
dSs_tEr 12 — _Xp<kO Qp<Y´\ (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 12 — CONTINGENT LIABILITIES (000s omitted)

31.3.2009@‚√ ˘∫P<O 31.3.2008 @‚√ ˘∫P<O

@u‚ dSs_pZ @u‚ dSs_pZ
(Ep[t \^{) (<TF>∂pp \^{)
As on 31.3.2009 As on 31.3.2008
(Current Year) (Previous Year)
‘. Rs. ‘. Rs.
I. j‚N @u‚ ’‚T Xuõ ∫\r@‚pZ S`rõ q@‚h Bh Vvõ@‚ @u‚ <\‘– Qp\u
Claims against the bank not acknowledged as debts ... ... ... .... 2554,83,30 1193,08,72
II. dz]O: _zQl <\<SRpSpuõ @u‚ <[h Qp<Y´\
Liability for partly paid investments ... ... ... .... 3,11,88 3,00,00
III. V@‚pYp \pYQp <\<SXY _z<\Qpdpuõ @‚√ VpVO Qp<Y´\
Liability on account of outstanding forward
exchange contracts .. ... ... .... 391348,20,03 415574,61,06
IV. _zCJ>@‚puõ @‚√ dpuZ _u Qr Be{ T}´YpWt<OYpy
Guarantees given on behalf of constituents
(@‚) WpZO Xuõ
(a) In India ... ... ... .... 61860,94,46 46429,29,93
(A) WpZO @u‚ Vp`Z
(b) Outside India ... ... ... .... 27187,75,11 15116,23,35
V. T}<OB}`N, TwπK>pz@‚S dpvZ dÆY VpöYOphy
Acceptances, endorsements and other obligations ... ... ... .... 125739,26,06 90113,41,98
VI. dÆY XQuz <GS@u‚ <[h Vv|@‚ _Xp<kO ’‚T _u CŒmaQpYr `võ
Other items for which the banks are contingently liable ... ... ... .... 251991,97,37 377340,55,71
YpuB
TOTAL 860686,08,21 945770,20,75
gßJ´hU Ho$ {bE {~b
Bills for collection 49938,35,27 25225,90,75

171

C171 K171
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

31 XpE{ 2009 @‚pu _XpØO \^{ @u‚ <[h [pW h\z `p<S ApOp
(000 @‚pu F>puÊ> <QYp BYp `v)
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2009 (000s omitted)

dSs_tEr _z. 31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{
Schedule No. Year ended 31.3.2009 Year ended 31.3.2008
‘. Rs. ‘. Rs.
I. dpY
INCOME
d<G{O ±YpG
Interest earned ... ... ... 13 91667,01,54 71495,81,61
dÆY dpY
Other Income ... ... ... 14 21426,08,43 18722,99,31
YpuB TOTAL 113093,09,97 90218,80,92
II. ∑YY
EXPENDITURE
∑YY q@‚Yp BYp ±YpG
Interest expended ... ... ... 15 62626,46,55 47944,04,02
T}Ep[S ∑YY
Operating expenses ... ... ... 16 26571,72,02 23943,23,27
¹ãÆãÌã£ãã¶ã dpvZ dp@‚˘∫X@‚ ∑YY
Provisions and contingencies ... ... ... 12721,84,79 9118,70,24

YpuB TOTAL 101920,03,36 81005,97,53

III. [pW
PROFIT
\^{ @u‚ <[h <S\[ [pW
Net Profit for the year ... ... ... 11173,06,61 9212,83,39
CJ>phz # d∂Tpz] <`O
Less: Minority Interest ... ... ... 217,77,95 252,22,30
_Xt` [pW
Group Profit ... ... ... 10955,28,66 8960,61,09
GpuÊuz # _Xt` @u‚ QuY dB}pSrO [pW
Add: Brought forward Profit
attributable to the group ... ... ... 87,74,19 119,01,75
GpuÊuz # _pXpÆY dpZ<b<OYpuõ _u dzOZN
Add: Transfer from General Reserve ... ... ... — 9,37
YpuB TOTAL 11043,02,85 9079,72,21
<\<SYpuGS†
APPROPRIATIONS
@‚pStSr dpZ<b<OYpuõ @‚pu dzOZN
Transfer to Statutory Reserves ... ... ... 5986,94,49 5573,43,78
dÆY dpZ<b<OYpuõ @‚p dzOZN
Transfer to Other Reserves ... ... ... 2689,27,66 1829,15,31
T}∫Op<\O [pWpz]puõ @‚pu dzOZN
Transfer to Proposed Dividend ... ... ... 1841,15,26 1357,66,13
[pWpz] TZ @‚pZTpuZuJ> @‚Z
Corporate Tax on Dividend ... ... ... 309,65,76 231,72,80
d<O]u^ Gpu Os[STm Xuõ dpBu [u GpYp BYp `v
Balance carried over to Balance Sheet ... ... ... 215,99,68 87,74,19

YpuB TOTAL 11043,02,85 9079,72,21

‡{V eoAa _yb Am` / Basic earnings per share Rs. 172.68 Rs. 168.61
‡{V eoAa ›`yZrH•$V Am` / Diluted earnings per share Rs. 172.68 Rs. 168.45
T}XsA [uAp Sr<OYpy / Principal Accounting Policies ... 17
[uAp-qJ>ØT<NYpy / Notes on Accounts ... ... 18

172

C172 K172
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

13 — d<G{O ±YpG
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 13 — INTEREST EARNED (000s omitted)
31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{
Year ended 31.3.2009 Year ended 31.3.2008
‘. Rs. ‘. Rs.

I. d<B}Xpuõ/<\<SXY Tmpuõ TZ ±YpG/<XOr@‚pJ>p

Interest/discount on advances/bills ... ... ... .... 67285,11,86 51920,06,81
II. <\<SRpSpuõ TZ dpY
Income on investments ... ... ... .... 22079,30,66 17406,32,34
III. WpZOrY qZ˚\{ Vvõ@‚ @u‚ ¹ããÔã •ã½ããÀããäÍã¾ããò dpvZ dÆY
dzOZ-Vvvõ@‚ <S<RYpuõ TZ ±YpG
Interest on balances with Reserve Bank of India
and other inter-bank funds ... ... ... .... 1783,49,79 1442,54,78
IV. dÆY
Others ... ... ... .... 519,09,23 726,87,68
YpuB TOTAL 91667,01,54 71495,81,61

14 — dÆY dpY
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 14 — OTHER INCOME (000s omitted)

31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{

Year ended 31.3.2009 Year ended 31.3.2008

‘. Rs. ‘. Rs.
I. @‚Xr]S, <\<SXY dpvZ Q[p[r
Commission, exchange and brokerage ... ... ... .... 9722,27,84 7823,87,01

II. <\<SRpSpuõ @u‚ <\@}‚Y TZ [pW/`p<S (<S\[)

Profit/Loss on sale of investments (Net) ... ... ... .... 1758,03,89 2780,60,20

III. <\<SRpSpuõ @u‚ TsSX{t∂Ypz@‚S TZ [pW/`p<S (<S\[)

Profit/(Loss) on revaluation of investments (Net) ... ... ... .... (629,25,09) (856,75,44)

IV. ¹ã›á›ã‡ãðŠ¦ã ‚ãããäÔ¦ã¾ããò ÔããäÖ¦ã Wt<X, W\Spuõ dpvZ dÆY dp˘∫OYpuõ @u‚ <\@}‚Y TZ [pW (<S\[)
Profit on sale of land, buildings and other assets
including leased assets (Net) ... ... ... .... (4,20,67) 10,70,83

V. <\<SXY _z∑Y\`pZpuõ TZ [pW (<S\[)

Profit on exchange transactions (Net) ... ... ... .... 1460,73,34 951,42,65

VI. WpZO/<\Qu] ˘∫PO _zYs°O f Xpuõ _u T}pØO [pWpz]

Dividends from Associates
in India/abroad ... ... ... .... 13,10,43 15,62,50

VII. ãäÌ㦦ããè¾ã ¹ã›á›ãò Ôãñ dpY

Income from financial Lease ... ... ... .... 31,38,72 42,55,65

VIII. @}u‚qL>J> @‚pL>{ _Q∫YOp/_u\p ]s∂@‚

Credit card membership/service fees ... ... ... .... 266,86,43 424,56,77

IX. Gr\S VrXp T}r<XYX

Life Insurance Premium ... ... ... .... 7202,38,85 5611,20,47

X. _`Ypu<BYpuõ _u dpY @‚p <`∫_p

Share of earnings from associates ... ... ... .... (13,64,06) 195,37,67

XI. <\<\R dpY

Miscellaneous Income ... ... ... .... 1618,38,75 1723,81,00

YpuB TOTAL 21426,08,43 18722,99,31

173

C173 K173
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

15 — ∑YY q@‚Yp BYp ±YpG

dSs_tEr
(000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 15 — INTEREST EXPENDED (000s omitted)

31.3.2009 @‚pu _XpØO \^{ 31.3.2008 @‚pu _XpØO \^{

Year ended 31.3.2009 Year ended 31.3.2008
‘. Rs. ‘. Rs.
I. <SbuTpuõ TZ ±YpG
Interest on deposits ... ... ... .... 55422,48,03 41713,23,43
II. WpZOrY qZ˚\{ Vvõ@‚/dzOZ-Vvõ@‚ fRpZpuõ TZ ±YpG
Interest on Reserve Bank of India/Inter-bank borrowings ... ... .... 3116,10,37 3204,42,09
III. dÆY
Others ... ... ... .... 4087,88,15 3026,38,50

YpuB TOTAL 62626,46,55 47944,04,02

16 — T}Ep[S ∑YY
dSs_tEr (000 @‚pu F>puÊ> <QYp BYp `v)
SCHEDULE 16 — OPERATING EXPENSES (000s omitted)

31.3.2009 @‚pu _XpØO \^{{ 31.3.2008 @‚pu _XpØO \^{{

Year ended 31.3.2009 Year ended 31.3.2008
‘. Rs. ‘. Rs.
I. @‚X{EpqZYpuõ @‚pu WsBOpS dpvZ fS@u‚ <[h T}p\RpS
Payments to and provisions for employees ... ... ... .... 12997,19,40 10457,50,98
II. WpJ>@‚, @‚Z dpvZ Zpu]Sr
Rent, taxes and lighting ... ... ... .... 1780,92,54 1408,47,48
III. XsÈN dpvZ [uAS-_pXB}r
Printing and stationery ... ... ... .... 303,44,90 256,50,51
IV. <\cpTS dpvZ T}EpZ
Advertisement and publicity ... ... ... .... 336,76,05 358,98,05
V. d\bYN
Depreciation
(@‚) TJ>oJ>p@w‚O dp˘∫OYpuõ TZ
(a) Leased Assets ... ... ... .... 25,86,74 40,71,98
(A) dÆY ˘∫PZ dp˘∫OYpuõ TZ
(b) Other Fixed Assets ... ... ... .... 898,59,44 997,61,38
VI. <SQu]@‚puõ @‚√ U‚√_, Wlu dpvZ ∑YY
Directors’ fees, allowances and expenses ... ... .... 5,59,52 5,03,16
VII. [uAp-TZrb@‚puõ @‚√ U‚√_ dpvZ ∑YY (e_Xuõ ]pAp [uAp-TZrb@‚puõ @‚√ U‚√_
dpvZ ∑YY ]p<X[ `v)
Auditors’ fees and expenses (including branch
auditors’ fees and expenses) ... ... ... .... 162,25,44 157,76,80
VIII. <\<R T}WpZ
Law charges ... ... ... .... 101,42,14 81,52,13
IX. L>p@‚ X`_t[, OpZ dpvZ J>u[rU‚puS dp<Q
Postages, Telegrams, Telephones, etc. ... ... ... .... 361,09,96 297,99,14
X. XZ≥XO dpvZ dSsZbN
Repairs and maintenance ... ... ... .... 239,51,20 302,25,72
XI. VrXp
Insurance ... ... ... .... 770,68,21 617,15,35
XII. dp∫P<BO ‚ãã¾ã ∑YY @‚p TqZ]puRS
Amortization of deferred revenue expenditure ... ... ... .... 5,83,24 —
XIII. H´o${S>Q> H$mS>© ‡MmbZ go gß~ß{YV n[aMmbZ Ï``
Operating Expenses relating to Credit Card operations... ... ... .... 176,17,52 317,04,27
XIV. OrdZ ~r_m go gß~ß{YV n[aMmbZ Ï``
Operating Expenses relating to Life Insurance ... ... ... .... 4638,63,45 5395,92,89
XV. dÆY ∑YY
Other expenditure ... ... ... .... 3767,72,27 3248,73,43

YpuB TOTAL 26571,72,02 23943,23,27

174

C174 K174
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
AZwgyMr 17
‡_wI boImH$aU Zr{V`m± :
H$. V°`ma H$aZo H$m AmYma Ö
gßbæ {dŒmr` {ddaU Ad{YJV bmJV AmYma na, So>ardo{Q>Ïg Am°a {dXoer
_w–m boZ-XoZm| Ho$ {bE `Wm Amemo{YV, ¡m°gm {H$ ZrMo ^mJ ""J'' _| d{U©V
h°, V°`ma {H$E JE h¢†& do ^maV _| gm_m›`V: ÒdrH•$V boIm-{g’mßVm| (¡mrEEnr)
Ho$ AZwÍ$n h¢ Edß {¡mZ_| gmß{d{YH$ ‡mdYmZ, {d{Z`m_H$ ‡m{YH$aUm| Ho$ {Xem
{ZX}e, ^maVr` [aμ¡md© ~¢H$, ~r_m {d{Z`m_H$ Edß {dH$mg ‡m{YH$aU, Hß$nZr
A{Y{Z`_ 1956, boIm _mZH$/^maVr` gZXr boImH$ma gßÒWmZ ¤mam ¡mmar
_mJ©Xeu {Q>fln{U`m± Am°a ^maV _| ‡M{bV ‡WmE± em{_b h¢†&
‡mäH$bZm| H$m ‡`moJ
{dŒmr` {ddaUm| H$mo V°`ma H$aZo _| ‡~ßYZ H$mo, {dŒmr` {ddaUm| H$s {V{W H$mo -
AmpÒV`m| Am°a Xo`VmAm|, (Bg_| AmH$pÒ_H$ Xo`VmE± gpÂ_{bV h¢) H$s gy{MV
am{e`m± VWm gyMZm Ad{Y Ho$ Xm°amZ gy{MV Am` Edß Ï`` _| ‡{V\${bV
‡mäH$bZ Am°a nydm©Zw_mZ H$aZo H$s AmdÌ`H$Vm hmoVr h°†& ‡~ßYZ H$m `h
_mZZm h° {H$ {dŒmr` {ddaUm| H$mo V°`ma H$aZo _| ‡`wäV ‡mäH$bZ {ddoH$nyU©
Am°a `Wmo{MV h¢†& ^mdr n[aUm_ BZ ‡mäH$bZm| go AbJ hmo gH$Vo h¢†&
boImH$aU ‡mäH$bZm| _| {H$gr gßemoYZ H$m dV©_mZ Am°a ^{dÓ`JV Ad{Y`m|
Ho$ {bE ^{dÓ`bjr ‡^md go A{^kmZ {H$`m J`m h°†&
I. g_oH$Z H$m AmYmaÖ
g_yh ({Og_| 29 AZwfß{J`m±, 2 gß`wäV C⁄_ Am°a 28 gh`moJr em{_b h¢) Ho$
g_o{H$V {dŒmr` {ddaU [ZÂZ{b{IV Ho$ AmYma na V°`ma {H$E JE h¢ Ö
H$. ^maVr` ÒQ>oQ> ~¢H$ Ho$ boIm nar{jV ImVo (_yb Hß$nZr)&
I. ^maVr` gZXr boImH$ma gßÒWmZ Ho$ boIm _mZH$ 21 Ho$ AZwgma g^r AßVÖ g_yh
^m°{VH$ ~H$m`m/boZXoZ, J°a dgybrH•$V bm^/hm{Z H$mo AbJ H$aHo$ VWm Ag_Í$n
boIm Zr{V`m| Ho$ {bE Ohmß AmdÌ`H$ h˛Am h° dhmß AmdÌ`H$ g_m`moOZ H$aZo Ho$
CnamßV AZwfß{J`m| H$s AmpÒV/Xo`Vm/Am`/Ï`` H$m _yb (_yb Hß$nZr) H$s B›ht
_Xm| go H´$_eÖ AjaeÖ g_oH$Z {H$`m J`m h°ü&
J. gß`wäV C⁄_m| H$m g_oH$Z Ö ^maVr` gZXr boImH$ma gßÒWmZ Ho$ boIm _mZH$-27
Ho$ AZwgma "'g_mZwnm{VH$ g_oH$Z'' {H$`m J`m h°ü&
K. ""gh`mo{J`m|'' _| {H$E JE {Zdoe H$m boImH$aU ""BpädQ>r-nX≤Y{V>'' Ho$ AßVJ©V
^maVr` gZXr boImH$ma gßÒWmZ Ho$ boIm _mZH$ 23 Ho$ AZwgma {H$`m J`m h°ü&
AZwfßJr Hß$n{Z`m| _| g_yh Ho$ {Zdoe H$s bmJV VWm AZwfß{J`m| H$s BpädQ>r _| g_yh Ho$
Aße Ho$ ~rM Ho$ AßVa H$mo {dŒmr` {ddaUm| _| JwS>{db/nyßOr Ama{jVr Ho$ Í$n _| {XIm`m
J`m h°ü&
g_o { H$V AZw f ß { J`m| H$s {Zdb AmpÒV`m| _| AÎnmß e {hV
{ZÂZdV h°Ö
H$. {Og {V{W H$mo {H$gr AZwfßJr _| {Zdoe {H$`m J`m h°, Cg {V{W H$mo AÎnmße {hV
H$s BpädQ>r-am{e, Am°a
I. _yb Hß$nZr Am°a AZwfßJr Ho$ gß~ßYm| Ho$ ewÍ$ hmoZo H$s {V{W go Am` Ama[j{V`mo|/
hm{Z (BpädQ>r) _| AÎnmße-eo`a H$m CVma-MãT>md &
J. ‡_wI boImH$aU Zr{V`m±
1. Am` {ZYm©aU
1.1 {ZÂZmß{H$V H$mo N>moãS>H$a Am` Am°a Ï`` H$mo ‡moX≤^dZ AmYma na boIo _|
{b`m J`m h°. ~¢H$ Ho$ {dXoe pÒWV H$m`m©b`m| Ho$ gß~ßY _| Am` H$m A{^kmZ
Cg Xoe Ho$ ÒWmZr` H$mZyZ Ho$ AZwgma {H$`m J`m h° {¡mg Xoe _| dh H$m`m©b`
pÒWV h° &
175
C175 K175
SBI (Consolidated)
SCHEDULE 17
PRINCIPAL ACCOUNTING POLICIES:
A. Basis of Preparation:
The accompanying financial statements have been prepared
under the historical cost convention as modified for
derivatives and foreign currency transactions, as enumerated
in Part C below. They conform to Generally Accepted
Accounting Principles (GAAP) in India, which comprise of
statutory provisions, guidelines of regulatory authorities,
Reserve Bank of India (RBI), Insurance Regulatory and
Development Authority, Companies Act, 1956, Accounting
Standards (AS)/guidance notes issued by the Institute of
Chartered Accountants of India (ICAI), and the prevalent
accounting practices in India.
Use of Estimates
The preparation of financial statements requires the
management to make estimates and assumptions considered
in the reported amounts of assets and liabilities (including
contingent liabilities) as of the date of the financial statements
and the reported income and expenses during the reporting
period. Management believes that the estimates used in the
preparation of the financial statements are prudent and
reasonable. Future results could differ from these estimates.
Any revision to the accounting estimates is recognised
prospectively in the current and future periods.
B. Basis of Consolidation:
Consolidated financial statements of the Group (comprising
of 29 subsidiaries, 2 Joint Ventures and 28 Associates) have
been prepared on the basis of:
a. Audited accounts of State Bank of India (Parent).
b. Line by line aggregation of each item of asset/liability/
income/expense of the subsidiaries with the respective
item of the Parent, and after eliminating all material intra-
group balances/transactions, unrealised profit/loss, and
making necessary adjustments wherever required for non-
uniform accounting policies as per Accounting Standard
21 issued by the Institute of Chartered Accountants of
India (ICAI).
c. Consolidation of Joint Ventures – ‘Proportionate
Consolidation’ as per AS 27 of ICAI.
d. Accounting for investment in ‘Associates’ under the
‘Equity Method’ as per the AS 23 of ICAI.
The difference between cost to the group of its investment in
the subsidiary entities and the group’s portion of the equity
of the subsidiaries is recognised in the financial statements
as goodwill / capital reserve.
Minority interest in the net assets of the consolidated
subsidiaries consists of:
a. The amount of equity attributable to the minority at the
date on which investment in a subsidiary is made, and
b. The minority share of movements in revenue reserves/
loss (equity) since the date the parent-subsidiary
relationship came into existence.
C. PRINCIPAL ACCOUNTING POLICIES
1. Revenue recognition
1.1 Income and expenditure are accounted on accrual
basis, except otherwise stated below. In respect of
foreign entities, income is recognised as per the local
laws of the country in which the respective foreign
entities are located.
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
1.2 „`m¡m Am` H$m bm^ Am°a hm{Z ImVo _| ‡moX≤^dZ AmYma na {ZYm©aU {gdm
(i) A{J´_m|, nQ≤>Q>m| Am°a {d{ZYmZm| go g_m{dÔ> AZ¡m©H$ AmpÒV`m| go Am`,
{¡mgH$m {ZYm©aU ^maVr` [aμ¡md© ~¢H$ / gß~ß{YV Xoe Ho$ {d{Z`m_H$m| (BgHo$
nÌMmV≤ gm_y{hH$ Í$n go {d{Z`m_H$ ‡m{YH$aU H$hbmEßJo) ¤mam {ZYm©[aV
{ddoH$nyU© _mZXßS>m| Ho$ AZwgma dgybr AmYma na {H$`m ¡mmVm h°, (ii)
{d{ZYmZm| H$s AmdoXZ-am{e na „`m¡m, (iii) {d{ZYmZm| VWm ~Q≤>Q>mH•$V
{~bm| na A{VXo` „`m¡m (iv) Èn`m So>ardo{Q>Ïg na Am` ""Q¥>oqS>J'' Ho$
Í$n _| Zm{_V &
1.3 {d{ZYmZm| H$s {~H´$s na hmoZo dmbo bm^ / hm{Z H$mo ""{d{ZYmZm| H$s {~H´$s na
bm^/hm{Z'' ImVo _| ¡m_m/Zm_o {H$`m J`m h° Am°a CgHo$ nÌMmV≤ ""n[anädVm
Ho$ {bE aIo JE'' loUr Ho$ {d{ZYmZm| H$s {~H´$s na hmoZo dmbo bm^ H$mo (‡`mo¡`
H$am| H$mo KQ>mZo Ho$ ~mX) ny±¡mr Ama{j{V _| {d{Z`moJ {H$`m J`m h° &
1.4 {dŒm nQ≤>Q>m| go h˛B© Am` H$m n[aH$bZ ‡mW{_H$ nQ≤>Q>m Ad{Y go A{YH$ Ad{Y Ho$
nQ≤>Q>o na ~H$m`m {Zdb {d{ZYmZ Ho$ nQ≤>Q>o _| A›V{Z©{hV „`m¡m Xa H$m Cn`moJ
H$aHo$ {H$`m J`m h°†& 01 A‡°b, 2001 go ‡^mdr nQ≤>Q>m| H$mo nQ≤>Q>o _| {Zdb
{d{ZYmZ Ho$ g_mZ am{e Ho$ A{J´_ Ho$ Í$n _| boIo _| {b`m J`m h°†& nQ≤>Q>m {H$am`m|
H$m _yb am{e Am°a {dŒm Am` _| ‡^m¡mZ {dŒm nQ≤>Q>m| go gÂ~’ ~H$m`m {Zdb
‡mdYmZm| Ho$ {Z`V Amd{YH$ ‡{V\$b Ho$ namdVu ÒdÍ$n Ho$ AmYma na {H$`m
J`m h°†& _yb am{e H$m Cn`moJ nQ≤>Q>o _| {Zdb {d{ZYmZ am{e H$mo KQ>mZo Ho$ {bE
{H$`m J`m h° Am°a {dŒm Am` H$mo „`m¡m Am` Ho$ Í$n _| [anmoQ©> {H$`m J`m h° &
1.5 ""n[anädVm Ho$ {bE aIo JE'' loUr _| {d{ZYmZ na Am` („`m¡m H$mo
N>moãS>H$a) H$mo Aß{H$V _yÎ` H$s VwbZm _| ~Q≤>Q>mH•$V _yÎ` na {ZÂZdV A{^kmZ
_| {b`m J`m h° :
i) „`m¡m-‡m· H$aZo dmbr ‡{V^y{V`m| Ho$ gßX^© _| Bgo {~H´$s / emoYZ Ho$
g_` A{^kmZ _| {b`m J`m h°&
ii) ey›`-Hy$nZ ‡{V^y{V`m| na, Bgo ‡{V^y{V H$s eof Ad{Y Ho$ {bE {Z`V
Am` AmYma na boIo _| {b`m J`m h° &
1.6 ¡mhm± bm^mß e ‡m· H$aZo H$m A{YH$ma {g’ hmo V m h°
dhm± bm^mße H$mo ‡moX≤^dZ AmYma na boIo _| {b`m J`m h° &
1.7 (i) AmÒW{JV ^wJVmZ Jmaß{Q>`m| na JmaßQ>r H$_reZ H$m AmH$bZ JmaßQ>r H$s
nyar Ad{Y Ho$ {bE {H$`m J`m h° Am°a (ii) gaH$mar Ï`dgm` na H$_reZ H$m
{ZYm©aU ‡moX≤^dZ AmYma na {H$`m J`m h°ü& BZ XmoZm| H$mo N>moãS>H$a A›` g^r
H$_reZ Am°a ewÎH$ - Am` H$m {ZYm©aU dgybr Ho$ ~mX {H$`m J`m h° &
1.8 J°a ~¢qH$J BH$mB`mß
_Mo™Q> ~¢qH$JÖ
H$. J´mhH$ Ho$ gmW h˛E H$ama Ho$ AZwgma BÌ`y-‡~ßYZ Am°a nam_e© ewÎH$ H$mo
em{_b {H$`m J`m h°ü&
I. gwnwX© {Z`V-H$m`© Ho$ nyam hmoZo Ho$ ~mX {ZOr {Z`moOZ ewÎH$ H$mo em{_b
{H$`m J`m h°ü&
J. np„bH$ BÌ`y go gß~ß{YV hm_rXmar-H$_reZ H$mo np„bH$ BÌ`y Ho$ Am~ßQ>Z
‡{H´$`m Ho$ nyU© hmoZo Ho$ nÌMmV boIo _| {b`m J`m h°ü&
K. n{„bH$ BÌ`y/Â`yMwAb \ß$S>/A›` ‡{V^y{V`m| go gß~{ß YV Xbmbr Am` H$mo-
J´mhH$/{~Mm°{b`m| go gßJh´ U/gyMZm ‡mflV hmoZo Ho$ ~mX boIo _| {b`m J`m h°ü&
L> eo`a Xbmbr H$m`©H$bmn go gß~ß{YV Xbmbr Am` H$mo boZXoZ H$aZo H$s
{V{W na em{_b {H$`m J`m h° Am°a Cg_| ÒQ>mÂn ewÎH$ Edß boZXoZ Ï``
em{_b h¢ü&
AmpÒV ‡~ßYZÖ
H$. gß~ß{YV `moOZmAm| go gh_V {d{eÓQ> Xam| na ‡~ßYZ ewÎH$ H$mo A{^kmZ
_oß {b`m J`m h°ü& Bgo ‡À`oH$ `moOZm H$s {Zdb AmpÒV Ho$ X°{ZH$ Am°gV
AmYma na bmJy {H$`m J`m h° (Bg_| Ohmß bmJy hmo AßVa-`moOZm {d{ZYmZ
Am°a gß~ß{YV `moOZmAm| _| H$ÂnZr ¤mam {H$E JE {d{ZYmZm| H$mo Zhrß
176
C176 K176
SBI (Consolidated)
1.2 Interest income is recognised in the Profit and Loss
Account as it accrues except (i) income from non-
performing assets (NPAs), comprising of advances, leases
and investments, which is recognised upon realisation,
as per the prudential norms prescribed by the RBI/
respective country regulators (hereafter collectively
referred to as Regulatory Authorities), (ii) interest on
application money on investments (iii) overdue interest
on investments and bills discounted, (iv) Income on
Rupee Derivatives designated as “Trading”.
1.3 Profit / Loss on sale of investments is credited / debited
to “Profit / Loss on Sale of Investments” and thereafter
in respect of profit on sale of investments in the Held to
Maturity category is appropriated (net of applicable taxes)
to Capital Reserve.
1.4 Income from finance leases is calculated by applying the
interest rate implicit in the lease to the net investment
outstanding on the lease, over the primary lease period.
Leases effective from April 1, 2001 are accounted as
advances at an amount equal to the net investment in the
lease. The lease rentals are apportioned between principal
and finance income based on a pattern reflecting a constant
periodic return on the net investment outstanding in
respect of finance leases. The principal amount is utilized
for reduction in balance of net investment in lease and
finance income is reported as interest income.
1.5 Income (other than interest) on investments in “Held to
Maturity” (HTM) category acquired at a discount to the
face value, is recognised as follows :
i. On Interest bearing securities, it is recognised only
at the time of sale/ redemption.
ii. On zero-coupon securities, it is accounted for over
the balance tenor of the security on a constant
yield basis.
1.6 Dividend is accounted on an accrual basis where the right
to receive the dividend is established.
1.7 All other commission and fee incomes are recognised on
their realisation except for (i) Guarantee commission on
deferred payment guarantees, which is spread over the
period of the guarantee and (ii) Commission on
Government Business, which is recognised as it accrues.
1.8 Non-banking entities
Merchant Banking:
a. Issue management and advisory fees are recognised
as per the terms of agreement with the client.
b. Fees for private placement are recognised on
completion of assignment.
c. Underwriting commission relating to public issues
is accounted for on finalisation of allotment of the
public issue.
d. Brokerage income relating to public issues/mutual
fund/other securities is accounted for based on
mobilisation and intimation received from clients/
intermediaries.
e. Brokerage income in relation to stock broking activity
is recognized on the trade date of transactions and
includes stamp duty and transaction charges.
Asset Management:
a. Management fee is recognised at specific rates agreed
with the relevant schemes, applied on the average
daily net assets of each scheme (excluding inter-
scheme investments, where applicable, and
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
em{_b {H$`m J`m h°ü&) Am°a `h go~r (Â`yMA
w b-\ß$S>) {d{Z`_ 1996
¤mam {ZYm©[aV gr_mAm| Ho$ AZwÍ$n h°ü&
I. gß{dXm eVm} Ho$ AZwgma, gß{d^mJ gbmhH$ma godmAm| go ‡mflV Am` H$mo
‡moX≤^dZ AmYma na em{_b {H$`m J`m h°ü&
J. ‡À`m^yV KmQ>m-`moOZmAm| go hmoZo dmbr dgybr-{Ogo nhbo Ï`` _mZm
J`m Wm - Cgo ‡m{flV Ho$ df© _| Am` Ho$ Í$n _| _mZm J`m h°ü&
K. `moOZm - Ï``Ö AZw_m{ZV Xa go A{YH$ `moOZm-Ï``m| H$mo bm^ Am°a hm{Z
ImVo _| ‡^m{aV {H$`m J`m h°ü&
L> g~´moJoeZ - A{YH$ma Ho$ AßVJ©V Hß$nZr ¤mam A{^J•hrV `moOZmAm| Ho$
AßV[aV {Zdoe H$s dgybr ‡m{flV AmYma na boIo _| br JB© h°ü&
H´o${S>Q> H$mS>© n[aMmbZ Ö
H$. gXÒ`Vm J´ h U ew Î H$ VWm ‡W_ dm{f© H $ ew Î H$ H$mo EH$ df© H$s
Ad{Y Ho $ {bE {ZYm© [ aV {H$`m J`m h° ä`m| { H$ `h ¡`mXm gQ> r H$
T> ß J go Cg Ad{Y H$mo Xem© V r h° , {Oggo ew Î H$ gß ~ ß { YV h° ü&
I. BßQ>aMoßO Am` H$mo ‡moÿdZ AmYma na A{^kmZ _oß {b`m J`m h°ü&
J. g^r A›` godm ewÎH$ gß~ß{YV boZXoZ Ho$ g_` XO© {H$E OmVo h¢ü&
\°$äQ>[a®J Ö
AZO©H$ n[agßn{Œm`m|, Ohm± dgybr hmoZo na Am` H$mo {hgm~ _| {b`m OmVm h°, Ho$
_m_bo H$mo N>moãS>H$a \°$äQ>[a®J godm ewÎH$m| H$mo ‡moÿdZ AmYma na {hgm~ _oß {b`m
OmVmüh°ü& Hß$nZr ¤mam \°$äQ>arßJ/{dŒmr`Z gßÒdrH•${V Ho$ ~mX ‡{H´$`m ewÎH$ ‡moX≤^yV
hmoVo h°ü&
OrdZ ~r_mÖ
H$. nm∞{bgr YmaH$m| go Xo` hmoZo na, OrdZ ~r_m ‡r{_`_ (godmH$a H$mo
KQ>mZo Ho$ ~mX) H$mo Am` Ho$ Í$n _| {b`m OmVm h°ü& H$mbmVrV nm∞{b{g`m|
H$mo O~ VH$ nwZÖ‡d{V©V Z {H$`m OmE, V~ VH$ Eogr nm∞{b{g`m| Ho$
dgyb Z {H$E JE ‡r{_`_ H$mo {hgm~ _| Zht {b`m OmVm h°ü& qbäS>
Ï`dgm` Ho$ _m_bo _| Egmo{gEQ>oS> BH$mB`m| Ho$ Am~ßQ>Z Ho$ g_`
‡r{_`_ Am` H$m {ZYm©aU {H$`m OmVm h°ü&
I. nwZ~u_m na ‡mflV ‡r{_`_ H$mo nwZ~u_mH$Vm© Ho$ gmW h˛B© gß{Y AWdm
g°’mß{VH$ Ï`dÒWm H$s eVm] Ho$ AZwgma {hgm~ _| {b`m OmVm h°ü&
J. _•À`w go gß~{ß YV OrdZ ~r_m Xmdm| H$s gyMZm ‡mflV hmoZo na C›hoß {hgm~
_| {b`m OmVm h°ü& df© Ho$ AßV VH$ H$s gyMZmAm| na Eogo Xmdm| H$s
JUZm Ho$ {bE [dMma {H$`m OmVm h°ü& n[anädVm go gß~ß{YV Xmdm|
H$mo nm∞{bgr H$s n[anädVm {V{W H$mo {hgm~ _| {b`m OmVm h°ü& dm{f©H$
bm^m| H$s JUZm Cg g_` H$s OmVr h°, O~ do Xo` hmoVo h¢ü& Ohm±
‡`mo¡` hmo, Xmdm-Ï`` _| nm∞{bgr bm^ Edß Xmdm {ZnQ>mZ Ï`` em{_b
hmoVo h¢ü& nwZ~u_mH$Vm©Am| go dgyb H$s OmZo dmbr am{e`m| H$mo gß~ß{YV
Xmdm| H$s Ad{Y Ho$ {bE {hgm~ _| {b`m OmVm h° Am°a C›h| Xmdm|
go KQ>m`m OmVm h°ü&
K. H$_reZ, {M{H$Àgm ewÎH$ O°gr bmJV| Omo ~r_m gß{dXm ewÍ$ H$aVo g_`
Am°a CZH$m ZdrZrH$aU H$aVo g_` _yb A{^J´hU-bmJV hmoVr h¢ -
BZH$m ^wJVmZ Ï`` Ho$ g_` hr H$a {X`m OmVm h°ü&
Sã >. ~r_m nm{b{g`m| Ho$ {bE Xo`Vm Ö g^r OrdZ ~r_m nm{b{g`m| H$s ~r_mß{H$H$
Xo`Vm - BÒQ>rQ≤>`yQ> Am\$ EäMyAarμO Am\$ Bß{S>`m ¤mam {ZYm©[aV {Xem
{ZX}em| Ho$ AZwgma -{Z`wäV {H$E JE EäMwAar ¤mam H$s OmVr h°ü &
177
C177 K177
SBI (Consolidated)
investments made by the company in the
respective scheme) and are in conformity with the
limits specified under SEBI (Mutual Funds)
Regulations, 1996.
b. Portfolio Advisory Service income is recognised on
accrual basis as per the terms of the contract.
c. Recovery from guaranteed schemes of deficit earlier
recognised as expense is recognised as income in
the year of receipt.
d. Scheme Expenses: Expenses of schemes in excess
of the stipulated rates are charged to the Profit and
Loss Account.
e. Recovery, if any, on realisation of devolved
investments of schemes acquired by the company
in terms of right of subrogation is accounted on the
basis of receipts.
Credit Card Operations:
a. Joining membership fee and first annual fee have
been recognised over a period of one year as they
more closely reflects the period to which the fee
relate to.
b. Interchange income is recognised on accrual basis.
c. All other service fees are recorded at the time of
occurrence of the respective transaction.
Factoring:
Factoring service charges are accounted on accrual
basis except in the case of non-performing assets,
where income is accounted on realisation. Processing
charges are accrued upon acceptance of sanction of
the factoring /financing limits by the Company.
Life Insurance:
a. Premium (net of service tax) is recognized as income
when due from policyholders. Uncollected premium
from lapsed policies is not recognised as income
until such policies are revived. In respect of linked
business, premium income is recognised when the
associated units are allotted.
b. Premium ceded on reinsurance is accounted in
accordance with the terms of the treaty or in-
principle arrangement with the Re-Insurer.
c. Claims by death are accounted when intimated.
Intimations upto the end of the year are considered
for accounting of such claims. Claims by maturity
are accounted on the policy maturity date. Annuity
benefits are accounted when due. Surrenders are
accounted as and when notified. Claims cost
consist of the policy benefit amounts and claims
settlement costs, where applicable. Amounts
recoverable from re-insurers are accounted for in
the same period as the related claims and are
reduced from claims.
d. Acquisition costs such as commission; medical
fees etc. are costs that are primarily related to the
acquisition of new and renewal insurance
contracts and are expensed as and when incurred.
e. Liability for life policies: The actuarial liability
of all the life insurance policies has been
calculated by the appointed actuary as per the
guidelines prescribed by the Institute of Actuaries
of India.
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

n|eZ {Z{Y n[aMmbZ : Pension Fund Operation:

H$. ‡~ßYZ H$s \$sg Hß$nZr Am°a EZnrEg ›`m{g`m| Ho$ ~rM h˛E {Zdoe ‡~ßYZ H$ama a. Management fees is recognized at specified rates
agreed with the relevant schemes calculated as
(AmBE_E) Ho$ AZwgma V°`ma H$s JB©ü gß~X≤>Y `moOZmAm| H$o$ gß~ßY _| {Z{X©ÓQ> per the Investment Management Agreement
gh_V Xam| go ‡moX≤>^yV AmYma na em{_b {H$`m J`m h°ü& Ohm± H$ht godm H$a (IMA) entered into between the Company and
dgyb {H$`m J`m h°, dhm± Cgo Am` _| em{_b Zht {H$`m J`m h°ü& NPS Trustees, on accrual basis. Revenue excludes
Service Tax, wherever recovered.
I. {d{ZYmZm| H$s {~H´$s na bm^ hm{Z H$mo boZXoZ {V{W AmYma na em{_b {H$`m
b. Profit/loss on sale of investments is recognized on
J`m h°ü&
trade date basis.
Â`yMwAb \$ S> ›`mgr n[aMmbZ :
Mutual Fund Trustee Operation:
›`mgYm[aVm ewÎH$m| / ‡~ßYZ ewÎH$m| H$mo Hß$n{Z`m| Ho$ ~rM h˛E gß{dXm H$s gß~ß{YV eVm} Trusteeship fees / management fees are recognised on an
Ho$ AZwgma ‡moX≤>^yV AmYma na em{_b {H$`m J`m h°ü& accrual basis in accordance with the respective terms of
contract between the Companies.
2. {d{ZYmZ
2. Investments
{d{ZYmZm| H$mo dV©_mZ {d{Z`m_H$ {Xem-{ZX}em| Ho$ AZwgma boIo _| {b`m J`m
Investments are accounted for in accordance with the extant
h°& ~¢H$ AnZo {d{ZYmZm| H$mo boIo _| boZo Ho$ {bE Ï`dgm`-{V{W n’{V regulatory guidelines. The bank follows trade date method
AnZmVm h°ü& for accounting of its investments.

2.1 dJuH$aU 2.1 Classification

{d{ZYmZm| H$m 3 lo{U`m| AWm©V≤ ""n[anädVm Ho$ {bE aIo JE'', ""{dH´$` Ho$ {bE Investments are classified into 3 categories, viz. Held to
Maturity, Available for Sale and Held for Trading
Cnb„Y'' Am°a ""Ï`dgm` Ho$ {bE aIo JE'' (BgHo$ nÌMmV≤ B›h| lo{U`m± H$hm categories (hereafter called categories). Under each of
¡mmEJm) _| dJuH•$V {H$`m J`m h° & BZ lo{U`m| _| ‡À`oH$ loUr Ho$ A›VJ©V {d{ZYmZm| these categories, investments are further classified into
H$mo nwZ: {ZÂZmZwgma N>h g_yhm| _| dJuH•$V {H$`m J`m h° & the following six groups:
i. gaH$mar ‡{V^y{V`m±, i. Government Securities,
ii. A›` AZw_mo{XV ‡{V^y{V`m±, ii. Other Approved Securities,
iii. eo`a, iii. Shares,
iv. {S>~|Ma Am°a ~mßS>, iv. Debentures and Bonds,
v. AZwfßJr/gß`wäV C⁄_ VWm v. Subsidiaries/Joint ventures and
vi. A›` vi. Others.
2.2 dJuH$aU H$m AmYma : 2.2 Basis of classification:
i. CZ {d{ZYmZm| H$mo ""n[anädVm Ho$ {bE aIo JE'' loUr Ho$ A›VJ©V dJuH•$V i. Investments that the Bank intends to hold till
{H$`m J`m h°, {¡m›h| ~¢H$ ¤mam n[anädVm VH$ aIm ¡mmVm h° & maturity are classified as Held to Maturity.
ii. CZ {d{ZYmZm| H$mo ""Ï`dgm` Ho$ {bE aIo JE'' loUr Ho$ A›VJ©V dJuH•$V ii. Investments that are held principally for resale
{H$`m J`m h°, {¡m›h| H´$` {V{W go 90 {XZm| Ho$ ^rVa {g’mßVV: nwZ{d©H$´ ` hoVw within 90 days from the date of purchase are
aIm ¡mmVm h° & classified as Held for Trading.
iii. Investments, which are not classified in the above
iii. {¡mZ {d{ZYmZm| H$mo Cn`wä© V Xmo lo{U`m| _| dJuH•$V Zht {H$`m J`m h°, C›h|
two categories, are classified as Available for Sale.
""{dH´$` Ho$ {bE Cnb„Y'' loUr Ho$ Í$n _| dJuH•$V {H$`m J`m h° &
iv. An investment is classified as Held to Maturity,
iv. {H$gr {d{ZYmZ H$mo BgHo$ H´$` Ho$ g_` ""n[anädVm Ho$ {bE aIo JE'', Available for Sale or Held for Trading at the
""{dH´$` Ho$ {bE Cnb„Y'' `m ""Ï`dgm` Ho$ {bE aIo JE'' lo{U`m| _| time of its purchase and subsequent shifting
dJuH•$V {H$`m J`m h° Am°a CgHo$ nÌMmV≤ lo{U`m| _| naÒna n[adV©Z amongst categories is done in conformity with
{d{Z`m_H$ {Xem-{ZX}em| Ho$ AZwÍ$n {H$`m J`m h¢ & regulatory guidelines.

2.3 _yÎ`Z : 2.3 Valuation:

i. {H$gr {d{ZYmZ H$s A{^J´hU-bmJV H$m {ZYm©aU H$aZo _| Ö i. In determining the acquisition cost of an investment:

(H$) A{^XmZm| na ‡mflV Xbmbr / H$_reZ / ‡{V^y{V boZXoZ H$a H$mo a. Brokerage/commission/securities transaction
tax received on subscriptions is reduced from
bmJV _| go KQ>m {X`m J`m h°ü& the cost.
(I) {d{ZYmZm| Ho$ A{^J´hU Ho$ gß~Yß _| ‡XŒm Xbmbr, H$_reZ Am{X H$m b. Brokerage, commission etc. paid in connection
Cgr g_` Ï`` H$a {X`m J`m h° Am°a B›h| bmJV _| em{_b Zht {H$`m with acquisition of investments are expensed
J`m h° & upfront and excluded from cost.
(J) F$U {bIVm| na Iß{S>V Ad{Y Ho$ {bE ‡XŒm/‡mflV „`m¡m H$mo c. Broken period interest paid / received on debt
Am` _X Ho$ Í$n _| _mZm J`m h° & instruments is treated as revenue item.

(K) bmJV H$m {ZYm©aU ^m[aV Am°gV bmJV ‡Umbr Ho$ AZwgma {H$`m d. Cost is determined on the weighted average
cost method.
J`m h° &

178

C178 K178
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
(L>) CnamoäV VrZ lo{U`m| _| ‡{V^y{V Ho$ AßVaU H$mo AßVaU H$s {V{W na
›`yZV_ A{^J´hU bmJV/~hr _yÎ`/~m¡mma _yÎ` Ho$ AZwgma boIo
_| {b`m J`m h°, Am°a Eogo AßVaU na h˛E _yÎ`h≤amg, `{X hmo Vmo, H$m
‡mdYmZ {H$`m J`m h° &
ii. am¡mÒd {~bm| Am°a dm{Up¡`H$ nÃm| H$m _yÎ`Z AJ´mZrV Ï`` AmYma na
{H$`m J`m h° &
iii. ""n[anädVm Ho$ {bE aIo JE'' loUr : ""n[anädVm Ho$ {bE aIo
JE'' ‡À`oH$ pÒH´$n H$mo A{^J´hU bmJV na {b`m J`m h° Am°a `{X Cgo
Aß{H$V _yÎ` na A{^J•hrV {H$`m J`m h° Vmo Cgo n[aemo{YV bmJV na
{b`m J`m h°. {H$gr A{^J´hrV ‡r{_`_ H$mo {Z`V Am` AmYma na
‡{V^y{V H$s ~Mr h˛B© n[anädVm Ad{Y _| n[aemo{YV {H$`m J`m h° &
Eogo ‡r{_`_ Ho$ n[aemoYZ H$mo ""{d{ZYmZm| na „`m¡m'' erf© Ho$ A›VJ©V
Am` Ho$ gmnoj g_m`mo{OV {H$`m J`m h° & AÒWm`r Ho$ A{V[aäV h≤amg
Ho$ {bE ‡mdYmZ {H$`m J`m h° & joÃr` J´m_rU ~¢H$m| H$mo N>moãS>H$a
AZwfß{J`m|, gß`wäV C⁄_m| Am°a gh`mo{J`m| (Xoe Am°a {dXoe XmoZm| _|
hr) _| {d{ZYmZ H$mo Ad{YJV bmJV AmYma na _yÎ`mß{H$V {H$`m J`m
h° & joÃr` J´m_rU ~¢H$m| _| {d{ZYmZ H$mo AJ´mZrV bmJV (AWm©V≤ ~hr
_yÎ`) na _yÎ`mß{H$V {H$`m J`m h° &
iv. {dH´$` Ho$ {bE Cnb„Y VWm Ï`dgm` Ho$ {bE aIo JE lo{U`m± :
CnamoäV XmoZm| lo{U`m| Ho$ ‡À`oH$ pÒH´$n H$m nwZ_y©Î`Z {d{Z`m_H$ {Xem-
{ZX}em| Ho$ AZwgma {ZYm©[aV ~m¡mma _yÎ` `m C{MV _yÎ` Ho$ AZwgma
{H$`m J`m h° Am°a ‡À`oH$ loUr go gÂ~’ ‡À`oH$ g_yh Ho$ {Zdb
_yÎ`h≤amg H$m ‡mdYmZ {H$`m J`m h° Am°a {Zdb _yÎ`d•{’ H$mo boIo
_| Zht {b`m J`m h° & _yÎ`h≤amg H$m ‡mdYmZ hmoZo na ‡À`oH$ ‡{V^y{V
H$m ~hr _yÎ` ~m¡mma Ho$ ~hr - _yÎ` Ho$ AZwgma AßH$Z Ho$ nÌMmV≤
An[ad{V©V ahm h° &
v. AmpÒV nwZ{Z©_m©U Hß$nZr ¤mam ¡mmar ‡{V^y{V agrXm| H$m _yÎ`Z J°a-
gmß{d{YH$ Mb{Z{Y AZwnmV (Zm∞Z-EgEbAma) {bIVmo na bmJy {Xem-
{ZX}em| Ho$ AZwgma {H$`m J`m h° & VXZwgma, {¡mZ _m_bm| _| AmpÒV
nwZ{Z©_m©U Hß$nZr ¤mam ¡mmar ‡{V^y{V agrXm| H$m n[aemoYZ VÀgÂ~’
`mo¡mZm Ho$ {bIVm| Ho$ {bE Am~ß{Q>V {dŒmr` AmpÒV`m| H$s dmÒV{dH$
dgybr Ho$ AZwgma {H$`m J`m h°, CZ _m_bm| _| {Zdb AmpÒV _yÎ`,
AmpÒV nwZ{Z©_m©U Hß$nZr go ‡mflV, H$s JUZm Eogo {d{ZYmZm| Ho$ _yÎ`Z
Ho$ {bE H$s JB© h° &
vi. Xoer H$m`m©b`m| Ho$ gß~ßY _| ^maVr` [aμ¡md© ~¢H$ Ho$ VWm {dXoe pÒWV
H$m`m©b`m| Ho$ gß~ßY _| Cg Xoe Ho$ {d{Z`m_H$m| Ho$ {Xem-{ZX}em| Ho$
AmYma na {d{ZYmZm| H$mo A¡m©H$ Am°a AZ¡m©H$ lo{U`m| _| {d^mp¡mV
{H$`m J`m h°& Xoer H$m`m©b`m| Ho$ {d{ZYmZ {ZÂZ{b{IV pÒW{V`m| _|
AZ¡m©H$ hmo ¡mmVo h¢ :
H$. „`m¡m/{H$ÒV (n[anädVm am{e g{hV) Xo` h° Am°a 90 {XZm| go A{YH$
Ad{Y Ho$ {bE ~H$m`m h¢ &
I. B{ädQ>r eo`am| Ho$ gß~ßY _|, ¡mhm± A⁄VZ VwbZnà H$s AZwnb„YVm
Ho$ H$maU eo`am| H$mo È. 1/- ‡{V Hß$nZr _yÎ` ‡XmZ {H$`m J`m h° -
Eogo B{ädQ>r eo`am| H$mo AZ¡m©H$ {d{ZYmZ _mZm ¡mmEJm &
J. `{X ¡mmarH$Vm© ¤mam br JB© H$moB© F$U-gw{dYm ~¢H$ - ~hr _|
AZ¡m©H$ AmpÒV hmo JB© h° - Eogr pÒW{V _| Cgr ¡mmarH$Vm© ¤mam
¡mmar {H$gr ^r ‡{V^y{V _| {d{ZYmZ H$mo Am°a ¡mmarH$Vm© ¤mam
{d{ZYmZ H$mo AZ¡m©H$ {d{ZYmZ _mZm ¡mmEJm &
K. Cn`w©äV, AmdÌ`H$ n[adV©Zm| Ho$ gmW CZ {‡\$ao›g eo`am| na ^r
bmJy hmoJm ¡mhm± {ZYm©[aV bm^mße H$m ^wJVmZ Zht {H$`m J`m h° &
L> Eogo {S>~|Mam| / ~mßS>m| _| {d{ZYmZ ¡mmo A{J´_ H$s ‡H•${V Ho$ h¢ CZ na
AZ¡m©H$ {d{ZYmZ Ho$ dhr _mZXßS> bJ|Jo ¡mmo {d{ZYmZm| na bmJy
hmoVo h¢ &
179
C179 K179
SBI (Consolidated)
e. The transfer of a security amongst the above
three categories is accounted for at the least of
acquisition cost/book value/market value on the
date of transfer, and the depreciation, if any, on
such transfer is fully provided for.
ii. Treasury Bills and Commercial Papers are valued at
carrying cost.
iii. Held to Maturity category: Each scrip under Held
to Maturity category is carried at its acquisition cost
or at amortised cost, if acquired at a premium over
the face value. Any premium on acquisition is
amortised over the remaining maturity period of the
security on constant yield basis. Such amortisation
of premium is adjusted against income under the
head “interest on investments”. A provision is made
for diminution, other than temporary. Investments
in Regional Rural Banks (RRBs) are valued at equity
cost determined in accordance with Accounting
Standard 23.
iv. Available for Sale and Held for Trading categories:
Each scrip in the above two categories is revalued
at the market price or fair value determined as per
Regulatory guidelines, and only the net
depreciation of each group for each category is
provided for and net appreciation, is ignored. On
provision for depreciation, the book value of the
individual securities remains unchanged after
marking to market.
v. Security receipts issued by an asset reconstruction
company (ARC) are valued in accordance with the
guidelines applicable to Non-SLR instruments.
Accordingly, in cases where the security receipts
issued by the ARC are limited to the actual
realisation of the financial assets assigned to the
instruments in the concerned scheme, the Net Asset
Value, obtained from the ARC, is reckoned for
valuation of such investments.
vi. Investments are classified as performing and non-
performing, based on the guidelines issued by the
RBI in case of domestic offices and respective
regulators in case of foreign entities. Investments of
domestic offices become non performing where:
a. Interest/instalment (including maturity
proceeds) is due and remains unpaid for more
than 90 days.
b. In the case of equity shares, in the event the
investment in the shares of any company is
valued at Re. 1 per company on account of the
non availability of the latest balance sheet, those
equity shares would be reckoned as NPI.
c. If 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
would also be treated as NPI and vice versa.
d. The above would apply mutatis-mutandis to
preference shares where the fixed dividend is
not paid.
e. The investments in debentures/bonds, which
are deemed to be in the nature of advance, are
also subjected to NPI norms as applicable to
investments.
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
M. {dXoer BH$mB`m| Ho$ AZ¡m©H$ {d{ZYmZm| Ho$ gß~ßY _| ‡mdYmZ-
ÒWmZr` {d{Z`m_H$m| AWdm ^maVr` [aμ¡md© ~¢H$ Ho$ _mZXßS>m| _|
¡mmo A{YH$ Wm CgHo$ AZwgma {H$`m J`m h° &
vii. [anmo VWm ‡À`md{V©V [anmo boZ-XoZ (^maVr` [aμ¡md© ~¢H$ Ho$ gmW Mb{Z{Y
g_m`mo¡mZ gw{dYm (EbEE\$) Ho$ AYrZ boZXoZ Ho$ Abmdm) H$mo boIo
_| boZo Ho$ {bE ~¢H$ Zo ^maVr` [aμ¡md© ~¢H$ ¤mam {ZYm©[aV ""g_mZ boIm
‡{H´$`m'' H$mo AnZm`m h°. VXZwgma, [anmo/‡À`md{V©V [anmo Ho$ AYrZ
{dH´$`/H´$` H$s JB© ‡{V^y{V`m| H$mo EH$_wÌV {dH´$` / H´$` _mZm J`m h°
Am°a C›h| [anmo/‡À`md{V©V [anmo ImVm| Ho$ boIo _| {b`m J`m h° VWm BZ
‡{d{Ô>`m| H$m n[anädVm {V{W H$mo ‡À`mdV©Z {H$`m J`m h° & bmJV Edß
Am` H$mo `WmpÒW{V „`m¡m Ï``/Am` Ho$ Í$n _| boIo _| {b`m J`m h° &
[anmo/‡À`md{V©V [anmo ImVo H$s eof am{e H$m g_m`mo¡mZ {d{ZYmZ ImVo
H$s eof am{e Ho$ gmnoj {H$`m J`m h° &
viii. ^maVr` [aμ¡md© ~¢H$ Ho$ gmW Mb{Z{Y g_m`mo¡mZ gw{dYm (EbEE\$)
Ho$ AYrZ H´$` / {~H´$s H$s JB© ‡{V^y{V`m| H$mo {d{ZYmZ ImVo _| Zm_o/
¡m_m {H$`m J`m h° Am°a CZH$mo boZXoZ H$s n[anädVm H$s {V{W na
‡À`md{V©V {H$`m J`m h° & CZ na Ï`` / A{O©V „`m¡m H$mo Ï``/Am`
Ho$ Í$n _| boIo _| {b`m J`m h° &
3.
3 F$U/A{J´_ Am°a CZ na ‡mdYmZ
3.1 F$Um| Am°a A{J´_m| H$m dJuH$aU ^maVr` [aμ¡md© ~¢H$ ¤mam ¡mmar {Xem - {ZX}em|
Ho$ AmYma na A¡m©H$ Am°a AZ¡m©H$ F$Um| Am°a A{J´_m| Ho$ Í$n _| {H$`m J`m h° &
F$U AmpÒV`m± CZ _m_bm| _| AZ¡m©H$ ~Z JB© h¢, ¡mhm±:
i. gmd{Y F$U Ho$ gß~ßY _|, „`m¡m Am°a/AWdm _ybYZ H$s {H$ÒV 90 {XZm|
go A{YH$ Ad{Y Ho$ {bE A{VXo` ahVr h°;
ii. AmodaS¥>m‚Q> `m ZH$X-F$U A{J´_ Ho$ gß~ßY _| ImVm ""AgßJV'' (""AmCQ>
Am∞\$ AmS©>a'') ahVm h°, AWm©V≤ `{X ~H$m`m eofam{e {Za›Va 90 {XZm|
H$s Ad{Y Ho$ {bE gßÒdrH•$V gr_m /AmhaU ‡m{YH$ma go A{YH$ hmo
¡mmVr h°, `m H$moB© ^r am{e VwbZnà H$s {V{W H$mo {Za›Va 90 {XZm| Ho$ {bE
¡m_m Zht h° AWdm `o ¡m_mam{e`m± Cgr Ad{Y Ho$ Xm°amZ Xo` „`m¡m H$m
^wJVmZ H$aZo Ho$ {bE An`m©flV h¢;
iii. H´$` {H$E JE/~Q≤>Q>mH•$V {~bm| Ho$ gß~ßY _|, {~b 90 {XZm| H$s Ad{Y go
A{YH$ A{VXo` ahVo h¢;
iv. AÎnmd{Y \$gbm| Ho$ {bE H•${f A{J´_m| Ho$ gß~ßY _|, ¡mhm± _ybYZ H$s
{H$ÒV `m „`m¡m 02 \$gb-F$VwAm| Ho$ {bE A{VXo` ahVo h¢;
v. XrKm©d{Y \$gbm| Ho$ {bE H•${f A{J´_m| Ho$ gß~Yß _|, ¡mhm± _ybYZ `m „`m¡m EH$
\$gb -F$Vw Ho$ {bE A{VXo` ahVo h¢†&
3.2 AZ¡m©H$ A{J´_m| H$mo ^maVr` [aμ¡md© ~¢H$ ¤mam {ZYm©[aV {ZÂZ{b{IV _mZXßS>m| Ho$
AmYma na Ad-_mZH$, gß{XΩY Am°a hm{Z‡X AmpÒV`m| _| dJuH•$V {H$`m J`m h°:
i. Ad-_mZH$ : H$moB© F$U AmpÒV, ¡mmo 12 _hrZm| `m Cggo H$_ Ad{Y Ho$
{bE AZ¡m©H$ ah JB© h° &
ii. gß{XΩY : H$moB© F$U AmpÒV, ¡mmo 12 _hrZm| H$s Ad{Y Ho$ {bE Ad-_mZH$
dJ© _| ah JB© h° &
iii. hm{Z‡X : H$moB© F$U AmpÒV, {¡mg_| hm{Z H$m A{^kmZ hmo J`m h° {H$›Vw
Cg am{e H$mo nyU©V`m ~Q≤>Q>o ImVo _| Zht S>mbm J`m h° &
3.3 AZ¡m©H$ AmpÒV`m| Ho$ {bE ‡mdYmZ {d{Z`m_H$ ‡m{YH$aUm| ¤mam {ZYm©[aV
dV©_mZ {Xem-{ZX}em| Ho$ AZwgma {H$E JE h¢ Am°a `o ^maVr` [aμ¡md© ~¢H$ ¤mam
{ZYm©[aV {ZÂZ{b{IV ›`yZV_ ‡mdYmZ _mZXßS> Ho$ AYrZ {H$E JE h¢:
180
C180 K180
SBI (Consolidated)
f. In respect of foreign entities, provisions for non
performing investments are made as per the
local regulations or as per the norms of RBI,
whichever is higher.
vii. The Bank has adopted the Uniform Accounting
Procedure prescribed by the RBI for accounting of
Repo and Reverse Repo transactions [other than
transactions under the Liquidity Adjustment
Facility (LAF) with the RBI]. Accordingly, the
securities sold/purchased under Repo/Reverse
repo are treated as outright sales/purchases and
accounted for in the Repo/Reverse Repo Accounts,
and the entries are reversed on the date of maturity.
Costs and revenues are accounted as interest
expenditure/income, as the case may be. Balance
in Repo/Reverse Repo Account is adjusted against
the balance in the Investment Account.
viii. Securities purchased / sold under LAF with RBI are
debited / credited to Investment Account and
reversed on maturity of the transaction. Interest
expended / earned thereon is accounted for as
expenditure / revenue.
Loans /Advances and Provisions thereon
3.1 Loans and Advances are classified as performing and non-
performing, based on the guidelines issued by the RBI.
Loan assets become non-performing where:
i. In respect of term loan, interest and/or instalment
of principal remains overdue for a period of more
than 90 days;
ii. In respect of an Overdraft or Cash Credit advance,
the account remains “out of order”, i.e. if the
outstanding balance exceeds the sanctioned limit/
drawing power continuously for a period of 90 days,
or if there are no credits continuously for 90 days
as on the date of balance-sheet, or if the credits are
not adequate to cover the interest due during the
same period;
iii. In respect of bills purchased/discounted, the bill
remains overdue for a period of more than 90 days;
iv. In respect of agricultural advances for short
duration crops, where the instalment of principal
or interest remains overdue for 2 crop seasons;
v. In respect of agricultural advances for long duration
crops, where the principal or interest remains
overdue for one crop season.
3.2 Non-Performing advances are classified into sub-
standard, doubtful and loss assets, based on the following
criteria stipulated by RBI:
i. Sub-standard: A loan asset that has remained
non-performing for a period less than or equal to 12
months.
ii. Doubtful: A loan asset that has remained in the sub-
standard category for a period of 12 months.
iii. Loss: A loan asset where loss has been identified
but the amount has not been fully written off.
3.3 Provisions are made for NPAs as per the extant guidelines
prescribed by the regulatory authorities, subject to
minimum provisions as prescribed below by the RBI:
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

Ad-_mZH$ AmpÒV`m± : i. 10% H$m gm_m›` ‡mdYmZ Substandard Assets: i. A general provision
of 10%
ii. F$U ¡mmo{I_m|, ¡mmo ‡maß^ go hr A‡{V^yV
ii. Additional provision of
h¢, Ho$ {bE 10% H$m A{V[aäV ‡mdYmZ 10% for exposures which
(¡mhm± ‡{V^y{V H$m dgybr - _yÎ` ‡maß^ are unsecured ab-initio
go hr 10% go A{YH$ Zht h°) (where realisable value of
security is not more than
gß{XΩY AmpÒV`m± : 10 percent ab-initio)
‡{V^yV ^mJ : i. EH$ df© VH$ - 20% Doubtful Assets:
– Secured portion: i. Upto one year – 20%
ii. EH$ go VrZ df© VH$ - 30%
ii. One to three years – 30%
iii. VrZ df© go A{YH$ 100% iii. More than three years –
– A‡{V^yV ^mJ : 100% 100%
hm{Z‡X AmpÒV`m± : 100% – Unsecured portion: 100%
Loss Assets: 100%
3.4 {dXoe pÒWV H$m`m©b`m| Ho$ AZ¡m©H$ A{J´_m| Ho$ gß~ßY _| ‡mdYmZ -ÒWmZr`
3.4 In respect of foreign entities, provisions for non
{d{Z`m_H$m| AWdm ^maVr` [aμ¡md© ~¢H$ Ho$ _mZXßS>m| _| ¡mmo A{YH$ Wm CgHo$ performing advances are made as per the local
AZwgma {H$`m J`m h° & regulations or as per the norms of RBI, whichever
is higher.
3.5 AZ¡m©H$ AmpÒV`m| Ho$ {dH´$` H$mo ^maVr` [aμ¡md© ~¢H$ ¤mam {ZYm©[aV {Xem -
{ZX}em| Ho$ AZwgma boIo _| {b`m J`m h°, {¡mg_| {H$gr KmQo> (¡mhm± {dH´$` _yÎ` 3.5 The sale of NPAs is accounted as per guidelines
prescribed by the RBI, which requires provisions to be
{Zdb ~hr _yÎ` go H$_ h°) Ho$ {bE ‡mdYmZ {H$`m ¡mmZm AmdÌ`H$ h°, ¡m~{H$ made for any deficit (where sale price is lower than the
A{Yeof H$mo (¡mhm± {dH´$` _yÎ` {Zdb ~hr _yÎ` go ¡`mXm h°) H$mo em{_b Zht net book value), while surplus (where sale price is higher
{H$`m J`m h° & {Zdb ~hr _yÎ` aIo JE {d{eÔ> ‡mdYmZ VWm ^maVr` {Z`m©V than the net book value) is ignored. Net book value is
outstanding as reduced by specific provisions held and
F$U JmaßQ>r {ZJ_ (Bgr¡mrgr) Ho$ ‡mflV Xmdm| go KQ>mZo na ~H$m`m h° & ECGC claims received.
3.6 A{J´_m| _| go {d{eÔ> F$U na {H$E JE hm{Z‡X ‡mdYmZm|, A‡mflV „`m¡m, ^maVr` 3.6 Advances are net of specific loan loss provisions,
{Z`m©V F$U JmaßQ>r {ZJ_ (Bgr¡mrgr) Ho$ ‡mflV Xmdm| Am°a ~Q≤>Q>mH•$V {~bm| H$mo KQ>m unrealised interest, ECGC claims received and bills
{X`m J`m h° & rediscounted.
3.7 For restructured/rescheduled assets, provisions are made
3.7 nwZg™aMZmJV / nwZ: {ZYm©[aV AmpÒV`m| Ho$ {bE ‡mdYmZ ^maVr` [aμ¡md© ~¢H$ ¤mam in accordance with the guidelines issued by RBI, which
¡mmar {Xem -{ZX}em| Ho$ AZwgma {H$E JE h¢, {¡mgHo$ AZwÍ$n _yb - F$U H$ama Ho$ requires that the present value of future interest due as
AZwgma ^{dÓ`JV ~H$m`m „`m¡m Ho$ dV©_mZ _yÎ` H$s nwZg™a{MV n°H$o ¡m Ho$ AßVJ©V per the original loan agreement, compared with the
present value of the interest expected to be earned under
gÂ^m{dV „`m¡m - Am` go VwbZm H$aZo Ho$ ~mX CäV am{e H$s AZ¡m©H$ AmpÒV`m| Ho$ the restructuring package, be provided in addition to
{bE {H$E JE ‡mdYmZ Ho$ A{V[aäV ‡mdYmZ {H$`m ¡mmEJm†& Cn`w©äV Ho$ H$maU provision for NPAs. The provision for interest sacrifice
hmoZo dmbo CÀg{O©V „`m¡m Ho$ ‡mdYmZ H$mo A{J´_ go KQ>m`m J`m h° & arising out of the above, is reduced from advances.
3.8 In the case of loan accounts classified as NPAs, an
3.8 AZ¡m©H$ AmpÒV`m| Ho$ Í$n _| dJuH•$V F$U ImVm| Ho$ _m_bo _|, {d{Z`m_H$m|
account may be reclassified as a performing account if
¤mam {ZYm©[aV {Xem-{ZX}em| Ho$ AZwÍ$n hmoZo na hr {H$gr ImVo H$mo A¡m©H$ it conforms to the guidelines prescribed by the
ImVo Ho$ Í$n _| nwZd©JuH•$V {H$`m ¡mm gH$Vm h° & regulators.

3.9 nydd© Vu dfm} _| ~Q≤>Q>o ImVo _| S>mbo JE F$Um| Ho$ gmnoj dgybr JB© am{e H$m {ZYm©aU
am¡mÒd Ho$ Í$n _| {H$`m J`m h°†&
3.10 {nN>bo df© A{J´_m| Ho$ gßX^© _| aoImß{H$V {H$E JE Eogo J°a-dgybrH•$V „`m¡m ¡mmo
Mmby df© Ho$ Xm°amZ AZ¡m©H$ hmo JE h¢, CZHo$ {bE ‡mdYmZ {H$`m J`m h° &
3.11 AZ¡m©H$ AmpÒV`m| na {d{eÔ> ‡mdYmZ Ho$ A{V[aäV, ^maVr` [aμ¡md© ~¢H$ ¤mam
{ZYm©[aV dV©_mZ {Xem-{ZX}em| Ho$ AZwgma _mZH$ AmpÒV`m| Ho$ {bE gm_m›`
‡mdYmZ ^r {H$E JE h¢ & {Zdb AZ¡m©H$ AmpÒV`m| H$s pÒW{V H$s ¡mmZH$mar Ho$
{bE _mZH$ AmpÒV`m| na ‡mdYmZm| H$mo JUZm _| em{_b Zht {H$`m J`m h°†& `o
‡mdYmZ VwbZnà H$s AZwgyMr 5 Ho$ ""A›` Xo`VmE± Am°a ‡mdYmZ - A›`'' erf©
Ho$ A›VJ©V ‡X{e©V h¢ &
4.
4. AÒWm`r ‡mdYmZ
^maVr` [aμOd© ~¢H$ Ho$ {Xem-{ZX}em| Ho$ AZwgma, ~¢H$ Ho$ nmg A{J´_m|, {d{ZYmZm| Am°a
gm_m›` ‡`moOZ Ho$ {bE AbJ-AbJ AÒWm`r ‡mdYmZ ~ZmZo Am°a CZH$m Cn`moJ
H$aZo go gß~ß{YV EH$ AZw_mo{XV Zr{V h°ü& g•{OV {H$E OmZodmbo AÒWm`r ‡mdYmZm| H$s
am{e ‡À`oH$ {dŒmr` df© Ho$ AßV _| {ZYm©[aV H$s OmVr h°ü& AÒWm`r ‡mdYmZm| H$m Cn`moJ
3.9 Amounts recovered against debts written off in earlier
years are recognised as revenue.
3.10 Unrealised Interest recognised in the previous year on
advances which have become non-performing during the
current year, is provided for.
3.11 In addition to the specific provision on NPAs, general
provisions are also made for standard assets as per the
extant guidelines prescribed by the RBI. The provisions
on standard assets are not reckoned for arriving at net
NPAs. These provisions are reflected in Schedule 5 of
the balance sheet under the head “Other Liabilities &
Provisions – Others.”
Floating Provision
In accordance with the Reserve Bank of India guidelines,
the bank has an approved policy for creation and
utilisation of floating provisions separately for advances,
investments and general purpose. The quantum of floating
provisions to be created would be assessed at the end of
each financial year. The floating provisions would be

181

C181 K181
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
^maVr` [aμOd© ~¢H$ H$s nyd© AZw_{V go Bg Zr{V _| {Z{X©ÓQ> H$s JB© AgmYmaU n[apÒW{V`m|
Ho$ AßVJ©V AmZo dmbr AmH$pÒ_H$VmAm| Ho$ {bE hr {H$`m OmEJmü&
5. ~¢qH$J BH$mB`m| Ho$ {bE Xoedma F$U-¡mmo{I_ gß~ßYr ‡mdYmZ:
AmpÒV dJuH$aU H$s pÒW{V Ho$ AZwÍ$n {H$E JE {d{eÔ> ‡mdYmZ Ho$ A{V[aäV
n•WH≤$ Xoedma F$U ¡mmo{I_ ({Z¡mr Xoe Ho$ Abmdm) Ho$ {bE ‡mdYmZ {H$E
JE h¢°†& BZ Xoem| H$m dJuH$aU gmV ¡mmo{I_ `Wm ZJ `, H$_, gm_m›`,
A{YH$, AÀ`{YH$, ‡{V~ß{YV Edß F$U _| em{_b Z hmoZo dmbo dJm] _| {H$`m
J`m h°, VWm `h ‡mdYmZ ^maVr` [aμ¡md© ~¢H$ Ho$ dV©_mZ {Xem - {ZX}em| Ho$
AZwgma {H$`m J`m h°†& `{X ‡À`oH$ Xoe go gß~ß{YV ~¢H$ H$m Xoedma F$U
¡mmo{I_ ({Zdb) Hw$b {Z{YH$ AmpÒV`m| Ho$ 1% go A{YH$ Zht h° Vmo Eogo
Xoedma F$U ¡mmo{I_ na H$moB© ‡mdYmZ Zht aIm J`m h° ü& `h ‡mdYmZ
VwbZnà H$s AZwgyMr 5 _| ""A›` Xo`VmEß Edß ‡mdYmZ - A›`'' Ho$ AßVJ©V
Xem©`m J`m h°ü&
6. S>oardo{Q>Ïg :
6.1 ~¢H$ VwbZnà H$mo VwbZnà Ho$ ~mha H$s AmpÒV`m| Am°a Xo`VmAm| H$s
‡{Vajm Ho$ {bE AWdm Ï`mnma ‡`moOZm| hoVw {dXoer _w–m {dH$În,
„`mO Xa {d{Z_`, _w–m {d{Z_`, Am°a naÒna _w–m „`mO Xa
{d{Z_` VWm dm`Xm Xa H$ama O°gr S>oardo{Q>Ïg gß{dXmEß H$aVm h°ü&
VwbZnà H$s AmpÒV`m| Edß Xo`VmAm| H$s ‡{Vajm Ho$ {bE H$s JB©
{d{Z_` gß{dXmEß Bg T>ßJ go V°`ma H$s OmVr h° {H$ do VwbZnà H$s
AßV{Z©{hV _Xm| Ho$ gmW ‡{VHy$b Edß j{Vny{V© ‡^md H$mo ghZ H$a
gHo$†& Eogo S>o[ado{Q>Ïg {bIVm| H$m ‡^md AßV{Z©{hV AmpÒV`m| Ho$
gßMmbZ Ho$ gmW OwãS> m h˛Am h° Am°a ‡{Vajm boIm {gX≤YmßVm| Ho$
AZwgma boIm| _| {b`m J`m h°ü&
6.2 g^r S>oardo{Q>Ïg {bIVm| H$mo VwbZnà _| AmpÒV`m| `m Xo`VmAm| Ho$ Í$n _|
Xem©`m J`m h° Am°a ~mOma Ho$ {bE {MÙ{ZV Ho$ AmYma na _mnm J`m h°ü&
6.3 ‡[Vajm Ho$ Í$n _| dJuH•$V S>oardo{Q>Ïg gß{dXmEß ‡moX≤>^yV AmYma na XO© H$s
JB© h° O~ VH$ AßV{Z©{hV AmpÒV`m| / Xo`VmAm| / Xo`VmAm| H$mo ^r
~mOma _yÎ` na ~hr _| em{_b Zht H$a {X`m OmVm V~ VH$ ‡{Vajm
gß{dXmAm| H$mo ~mOma _yÎ` na ~hr _| em{_b Zht {H$`m OmVm h°ü&
6.4 Cn`w©äV H$mo N>moμS>H$a, A›` g^r S>oardo{Q>Ïg gß{dXmEß C⁄moJ _| ‡M{bV
gm_m›`V: ÒdrH•$V ‡WmAm| Ho$ AZwgma ~mOma _yÎ` na ~hr _| em{_b H$s
JB© h¢ü& ~mOma _yÎ` na ~hr _| em{_b {H$E JE S>oardo{Q>Ïg gß{dXmAm| Ho$
gß~ßY _|, ~mOma _yÎ` _| h˛E n[adV©Zm| H$mo n[adV©Z H$s Ad{Y go bm^
Am°a hm{Z ImVo _| Xem©`m J`m h°üü&
6.5 ‡XŒm `m ‡mflV {dH$În ‡r{_`_ H$mo {dH$În H$s g_m{flV na bm^ Am°a
hm{Z ImVo _| XO© {H$`m J`m h°ü& ~oMo JE {dH$Înm| na ‡mflV ‡r{_`_ Am°a
IarXo JE {dH$Înm| na ‡XŒm ‡r{_`_ _| eof H$mo \$moaoäg Amoda {X H$mCßQ>a
{dH$Înm| Ho$ gß~ßY _| ~mOma _yÎ` na ~hr _| em{_b H$s OmZo dmbr am{e
{ZH$mbZo hoVw ‹`mZ _| aIm J`m h°ü&
7. AMb AmpÒV`m± Am°a _yÎ`ımg:
7.1 AMb AmpÒV`m| H$m gß { MV _y Î `ımg go H$_ bmJV na Aß H $Z
{H$`m J`m h°†&
7.2 bmJV _| H´$` bmJV VWm g_ÒV Ï``, ¡m°go {H$ ÒWmZ H$s V°`mar, gßÒWmnZ
bmJV Am°a AmpÒV na CgH$m Cn`moJ H$aZo go nyd© dhZ H$s JB© \$sg em{_b
h¢†& Cn`moJ H$s JB© AmpÒV`m| na dhZ {H$E JE AZwdVu Ï`` H$mo Ho$db V^r
nyß¡mrH•$V {H$`m J`m h°, ¡m~ `o Ï`` BZ AmpÒV`m| go hmoZo dmbo ^mdr bm^
H$mo/BZ AmpÒV`m| H$s Ï`mdhm[aH$ j_Vm H$mo ~ãT>mVo h°†&
182
C182 K182
SBI (Consolidated)
utilised only for contingencies under extra ordinary
circumstances specified in the policy with prior
permission of Reserve Bank of India.
5. Provision for Country Exposure for Banking Entities
In addition to the specific provisions held according to
the asset classification status, provisions are held for
individual country exposures (other than the home
country). Countries are categorised into seven risk
categories, namely, insignificant, low, moderate, high, very
high, restricted and off-credit, and provisioning made as
per extant RBI guidelines. If the country exposure (net) of
the bank in respect of each country does not exceed 1%
of the total funded assets, no provision is maintained on
such country exposures. The provision is reflected in
schedule 5 of the balance sheet under the “Other liabilities
& Provisions – Others”.
6. Derivatives:
6.1 The Bank enters into derivative contracts, such as
foreign currency options, interest rate swaps, currency
swaps, and cross currency interest rate swaps and
forward rate agreements in order to hedge on-balance
sheet/off-balance sheet assets and liabilities or for
trading purposes. The swap contracts entered to hedge
on-balance sheet assets and liabilities are structured
in such a way that they bear an opposite and offsetting
impact with the underlying on-balance sheet items.
The impact of such derivative instruments is
correlated with the movement of the underlying assets
and accounted in accordance with the principles of
hedge accounting.
6.2 All derivative instruments are recognised as assets or
liabilities in the balance sheet and measured at marked
to market.
6.3 Derivative contracts classified as hedge are recorded on
accrual basis. Hedge contracts are not marked to market
unless the underlying Assets / Liabilities are also marked
to market.
6.4 Except as mentioned above, all other derivative contracts
are marked to market as per the generally accepted
practices prevalent in the industry. In respect of derivative
contracts that are marked to market, changes in the market
value are recognised in the profit and loss account in the
period of change.
6.5 Option premium paid or received is recorded in profit
and loss account at the expiry of the option. The
Balance in the premium received on options sold and
premium paid on options bought have been considered
to arrive at Mark to Market value for forex Over the
Counter options.
7. Fixed Assets and Depreciation
7.1 Fixed assets are carried at cost less accumulated
depreciation.
7.2 Cost includes cost of purchase and all expenditure such
as site preparation, installation costs and professional fees
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.
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

7.3 Bg Xoer n[aMmbZ Ho$ gß~ßY _| _yÎ`ımg H$s Xa| Am°a _yÎ`ımg Xem©Zo H$s 7.3 The rates of depreciation and method of charging
n’{V H$m {ddaU {ZÂZmZwgma h° : depreciation in respect of domestic operations are as
under:

H´$_ AMb AmpÒV`m| _yÎ`ımg Xem©Zo _yÎ`ımg/ Sr. Description of Method of Depreciation/
No. fixed assets charging amortisation
gß. H$m {ddaU H$s n’{V n[aemoYZ Xa depreciation rate
1 Hß$fl`yQ>a grYr H$Q>mV° r ‡Umbr 33.33% ‡{V df© 1 Computers Straight Line 33.33%
2 hmS>©do`a Ho$ ım{gV _yÎ` 60% Method every year

A{^fi AßJ Ho$ n’{V 2 Computer Written Down 60%

software forming Value Method
Í$n _| em{_b an integral part
of hardware
Hß$fl`yQ>a gm∞‚Q>do`a
3 Computer Straight Line 100%, in
3 hmS>©do`a Ho$ grYr H$Q>m°Vr A{^J´hU df© Software which Method the year of
A{^fi AßJ Ho$ ‡Umbr _| 100% does not form acquisition
an integral part
Í$n _| Z em{_b of hardware
Hß$fl`yQ>a gm∞‚Q>do`a 4 Assets given on Straight Line At the rate
4 31 _mM© 2001 grYr H$Q>mV° r Hß$nZr A{Y{Z`_ financial lease Method prescribed
upto 31st March under
VH$ {dŒmr` nQ≤>Q>o na ‡Umbr 1956 Ho$ AYrZ 2001 Companies
Xr JB© AmpÒV`m± {ZYm©[aV Xa na Act 1956
5 Other fixed Written down At the rate
5 A›` AMb ım{gV _yÎ` Am`H$a {Z`_ assets value method prescribed
AmpÒV`m± n’{V 1962 Ho$ AYrZ under
Income-tax
{ZYm©[aV Xa na
Rules 1962
7.4 df© Ho$ Xm°amZ Xoer n[aMmbZm| go ‡m· AmpÒV`m| Ho$ gß~Yß _| _yÎ`ımg 182 {XZm| VH$
7.4 In respect of assets acquired for domestic operations
‡`wäV AmpÒV`m| na A’©df© Ho$ {bE VWm 182 {XZm| go A{YH$ ‡`wäV AmpÒV`m| na during the year, depreciation is charged for half an year
nyao df© Ho$ {bE Xem©`m J`m h°, ¡m~{H$ Hß$fl`yQ>am| Am°a gm‚Q>d`o a na _yÎ`ımg - Bg in respect of assets used for upto 182 days and for the
AmpÒV H$m Cn`moJ H$aZo H$s Ad{Y go {Zanoj nyao df© Ho$ {bE Xem©`m J`m h°†& full year in respect of assets used for more than 182 days,
except depreciation on computers and software, which
7.5 Eogr _X| {¡mZ_| go ‡À`oH$ H$m _yÎ` È.1000/- go H$_ hmo C›h| H´$` df© _| hr is charged for the full year irrespective of the period for
~Q≤>Q>o ImVo _| S>mb {X`m J`m h°†& which the asset was put to use.
7.5 Items costing less than Rs. 1,000 each are charged off in
7.6 nQ≤>Q>mH•$V n[agam| go gÂ~’ nQ≤>Q>m ‡r{_`_, `{X hmo Vmo, H$mo nQ≤>Q>m Ad{Y na the year of purchase.
n[aemo{YV {H$`m J`m h° Am°a nQ≤>Q>m {H$am`m H$mo Cgr df© ‡^m[aV {H$`m J`m h°†& 7.6 In respect of leasehold premises, the lease premium, if
7.7 ~¢H$ ¤mam 31 _mM© 2001, H$mo `m Cggo nyd© nQ≤>Q>o na Xr JB© AmpÒV`m| Ho$ gß~Yß _| n≈>o any, is amortised over the period of lease and the lease
rent is charged in the respective year.
na Xr JB© AmpÒV`m| Ho$ _yÎ` H$mo nQ≤>Q>mH•$V AmpÒV`m| Ho$ Í$n _| AMb AmpÒV`m| Ho$
7.7 In respect of assets given on lease by the Bank on or before
AßVJ©V Xem©`m J`m h° Am°a dm{f©H$ nQ≤>Q>m ewÎH$ (ny¡ß mr-dgybr) Edß _yÎ`ımg Ho$
31st March 2001, the value of the assets given on lease is
AßVa H$mo nQ≤>Q>m g_mZrH$aU boIo _| {b`m J`m h°†& disclosed as Leased Assets under fixed assets, and the
7.8 {dXoer emImAm|/AZwfß{J`m|/gh`mo{J`m| ¤mam Ym[aV AMb AmpÒV`m| na difference between the annual lease charge (capital
recovery) and the depreciation is taken to Lease
_yÎ`ımg H$m ‡mdYmZ gß~ß{YV Xoem| Ho$ ÒWmZr` {d{Z`_m|/_mZXßS>m| Ho$ AZwgma Equalisation Account.
{H$`m J`m h°†& 7.8 In respect of fixed assets held at foreign branches/
8. nQ≤>Q>o: subsidiaries/associates, depreciation is provided as per
the regulations /norms of the respective countries.
AmpÒV dJuH$aU Am°a A{J´_m| Ho$ {bE bmJy ‡mdYmZrH$aU _mZXßS>m| H$m CnamoäV AZw¿No>X
8. Leases
3 _| {XE JE {Xem-{ZX}em| Ho$ AZwgma BZ {dŒmr` nQ≤>Q>mo _| ^r ‡`moJ {H$`m J`m h°†&
The asset classification and provisioning norms applicable to
9. AmpÒV`m| H$s Angm_m›`Vm: advances, as laid down in Para 3 above, are applied to financial
leases also.
¡m~ H$^r KQ>ZmE± AWdm pÒW{V`m| _| n[adV©Z `h gßHo$V XoVo h¢ {H$ {H$gr AmpÒV
H$s AJ´mZrV am{e H$s dgybr gß{XΩY h° Vmo Eogr pÒW{V _| AMb AmpÒV`m| H$s 9. Impairment of Assets
Angm_m›`Vm hoVw g_rjm H$s ¡mmVr h°†& Ym[aV Am°a ‡`moJ H$s ¡mmZo dmbr AmpÒV Fixed Assets are reviewed for impairment whenever events
or changes in circumstances warrant that the carrying amount
H$s dgybr hmo nmEJr `m Zht Bgo _mnZo Ho$ {bE AmpÒV Ho$ AJ´mZrV _yÎ` H$s
of an asset may not be recoverable. Recoverability of assets to
VwbZm AmpÒV ¤mam Ano{jV ^{dÓ`JV {Zdb ~Q≤>Q>mH•$V ZH$Xr ‡dmh go VwbZm be held and used is measured by a comparison of the carrying
H$aHo$ kmV H$s ¡mmVr h°†& `{X Eogr AmpÒV`m| H$mo Angm_m›`Vm Ho$ `moΩ` nm`m amount of an asset to future net discounted cash flows
¡mmVm h° Vmo Angm_m›`Vm H$m _mn-A{^kmZ Cg A{YH$ am{e Ho$ AmYma na expected to be generated by the asset. If such assets are
considered to be impaired, the impairment to be recognised
{H$`m ¡mmVm h° ¡mmo AmpÒV Ho$ AJ´mZrV _yÎ` Am°a CgHo$ C{MV _yÎ` Ho$ ~rM H$m
is measured by the amount by which the carrying amount of
AßVa h°†& the asset exceeds the fair value of the asset.

183

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WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
10. {dXoer _w–m {d{Z_` Xa _| CVma-MãT>md H$m ‡^md :
10.1 {dXoer _w–m boZ-XoZ
i. {dXoer _w–m boZ-XoZ H$mo boZ-XoZ H$s {V{W H$mo gy{MV _w–m Edß
{dXoer _w–m Ho$ ~rM {d{Z_` Xa H$s {dXoer _w–m am{e Ho$ ‡`moJ
¤mam gy{MV _w–m _| ‡maß{^H$ {ZYm©aU na X¡m© {H$`m J`m h°° &
ii. {dXoer _w–m _m°{–H$ _Xm| H$s gyMZm ^maVr` {dXoer _w–m Ï`mnmar
gßK (\o$S>B©) H$s Aß{V_ VÀH$mb Xam| Ho$ ‡`moJ go Xr JB© h°° &
iii. {dXoer _w–m J°a _m°{–H$ _Xm|, ¡mmo Ad{YJV bmJV Ho$ AmYma na br
JB© h¢, H$s gyMZm boZ-XoZ H$s {V{W H$mo ‡M{bV _w–m {d{Z_` Xa
Ho$ ‡`moJ go Xr JB© h°° &
iv. {dXoer _w–m _| _yÎ`mß{H$V AmH$pÒ_H$ Xo`VmAm| H$s gyMZm \o$S>B© H$s
Aß{V_ VÀH$mb Xa Ho$ ‡`moJ go H$s JB© h° &
v. Ï`dgm` Ho$ {bE aIr JB© ~H$m`m VÀH$mb {dXoer _w–m {d{Z_`
VWm dm`Xm gß{dXmAm| H$mo BZH$s {ZYm©[aV n[anädVm Ho$ {bE
\o$S>B© ¤mam A{Ygy{MV _w–m {d{Z_` Xam| na nwZ_y©Î`mß{H$V {H$`m
J`m h° Am°a n[aUm_r bm^ `m hm{Z H$mo bm^ Am°a hm{Z ImVo _|
em{_b {H$`m J`m h°&
vi. {dXoer _w–m dm`Xm gß{dXmAm|, ¡mmo Ï`dgm` Ho$ {bE Ano{jV Zht
h¢ Am°a VwbZnà H$s {V{W H$mo ~H$m`m h¢, H$m Aß{V_ VÀH$mb Xa na
_yÎ`mßH$Z {H$`m J`m h°& Eogr dm`Xm {d{Z_` gß{dXm Ho$ ‡maß^ go
CX≤^yV ‡r{_`_ `m ~Q≤>Q>o H$mo gß{dXm H$s n[anädVm Ad{Y Ho$ Ï``
`m Am` Ho$ Í$n _| n[aemo{YV {H$`m J`m h°&
vii _m°{–H$ _Xm| Ho$ {ZYm©aU go CX≤^yV {d{Z_` AßVa am{e`m| H$mo CZ
Xam|, ¡mmo Xao Amaß^ go X¡m© H$s JB© Wt, go {^fi Xam| na Cg Ad{Y,
{¡mg_| `o Xa| CX≤^yV h˛B© h¢, Ho$ Am` `m Ï`` Ho$ Í$n _| {ZYm©[aV
{H$`m J`m h°>ü&
viii Iwbo {dH$În dmbo _w–m dm`Xm boZXoZm| _| {d{Z_` Xam| _| n[adV©Z
Ho$ H$maU hmoZo dmbo bm^ / hm{Z H$mo EägM|O {äbA[a®J hmCg Ho$
gmW X°{ZH$ AmYma na {ZnQ>mZ {H$`m J`m h° Am°a Eogo bm^ / hm{Z
H$mo bm^ Am°a hm{Z ImVo _| Xem©`m J`m h°ü&
10.2 {dXoer n[aMmbZ:
~¢H$ H$s {dXoe pÒWV emImAm| Am°a g_w–nmar` ~¢qH$J BH$mB`m| H$mo Ag_mH${bV
n[aMmbZm| Ho$ Í$n _| dJuH•$V {H$`m J`m h° Am°a ‡{V{Z{Y H$m`m©b`m| H$mo g_mH${bV
n[aMmbZm| Ho$ Í$n _| dJuH•$V {H$`m J`m h°†&
H$. Ag_mH${bV n[aMmbZ:
i. Ag_mH${bV {dXo e r n[aMmbZm| H$s Xmo Z m| _m° { –H$ Am° a
J° a -_m° { –H$ {dXo e r _w – m AmpÒV`m| Edß Xo ` VmAm| VWm
AmH$pÒ_H$ Xo ` VmAm| H$mo Vw b Znà {V{W H$mo \o $ S> B ©
¤mam A{Ygy{MV Aß{V_ {d{Z_` Xam| na Í$nmßV[aV {H$`m J`m h°&
ii. Ag_mH${bV {dXoer n[aMmbZm| Ho$ Am` Edß Ï`` H$mo {V_mhr Am°gV
H$s Aß{V_ Xa na Í$nmßV[aV {H$`m J`m h°ü&
iii. {Zdb {d{ZYmZ Ho$ {ZnQ>mZ hmoZo VH$ Ag_mH${bV {dXoer
n[aMmbZm| go CX≤^yV {d{Z_` AßVa-am{e`m| H$m gßM`Z {dXoer
_w–m Í$nmßVaU Ama{j{V _| {H$`m J`m h° &
iv. {dXoer H$m`m©b`m| / AZwf{ß J`m| / gß`äw V CX≤>X_m| H$s {dXoer _w–m _|
Xem©B© JB© AmpÒV`m| Edß Xo`VmAm| H$mo {dXoer H$m`m©b`m| / AZwf{ß J`m| /
gß`äw V CX≤>`_m| H$s ÒWmZr` _w–m Ho$ Abmdm Cg Xoe Ho$ {bE bmJy hm{Oa
Xam| H$mo ‡`moJ H$aVo h˛E ÒWmZr` _w–m _| Í$nmßV[aV {H$`m J`m h°ü&
184
C184 K184
SBI (Consolidated)
10. Effect of changes in the foreign exchange rate
10.1 Foreign Currency Transactions
i. Foreign currency transactions are recorded on
initial recognition in the reporting currency by
applying to the foreign currency amount the
exchange rate between the reporting currency and
the foreign currency on the date of transaction.
ii. Foreign currency monetary items are reported using
the Foreign Exchange Dealers Association of India
(FEDAI) closing spot/forward rates.
iii. Foreign currency non-monetary items, which are
carried in terms at historical cost, are reported using
the exchange rate at the date of the transaction.
iv. Contingent liabilities denominated in foreign
currency are reported using the FEDAI closing
spot rates.
v. Outstanding foreign exchange spot and forward
contracts held for trading are revalued at the
exchange rates notified by FEDAI for specified
maturities, and the resulting profit or loss is included
in the Profit and Loss account.
vi. Foreign exchange forward contracts which are not
intended for trading and are outstanding at the
balance sheet date, are valued at the closing spot rate.
The premium or discount arising at the inception of
such a forward exchange contract is amortised as
expense or income over the life of the contract.
vii. Exchange differences arising on the settlement of
monetary items at rates different from those at which
they were initially recorded are recognised as income
or as expense in the period in which they arise.
viii. Gains / Losses on account of changes in exchange
rates of open position in currency futures trades are
settled with the exchange clearing house on daily
basis and such gains / losses are recognised in the
profit and loss account.
10.2 Foreign Operations
Foreign entities of the Bank and Offshore Banking Units
have been classified as Non-integral Operations and
Representative Offices have been classified as Integral
Operations.
a. Non-integral Operations:
i. Both monetary and non-monetary foreign
currency assets and liabilities including
contingent liabilities of non-integral foreign
operations are translated at closing exchange
rates notified by FEDAI at the balance sheet
date.
ii. Income and expenditure of non-integral foreign
operations are translated at quarterly average
closing rates.
iii. Exchange differences arising on net investment
in non-integral foreign operations are
accumulated in Foreign Currency Translation
Reserve until the disposal of the net investment.
iv. The Assets and Liabilities of foreign offices/
subsidiaries /joint ventures in foreign currency
(other than local currency of the foreign
offices/subsidiaries/joint ventures) are
translated into local currency using spot rates
applicable to that country.
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
I. g_mH${bV n[aMmbZ:
i. {dXoer _w–m boZ-XoZ H$mo boZ-XoZ H$s {V{W H$s gy{MV _w–m Am°a
{dXoer _w–m _| {d{Z_` Xa na {dXoer _w–m am{e Ho$ ‡`moJ ¤mam
gy{MV _w–m _| Amaß{^H$ A{^kmZ na X¡m© {H$`m J`m h° ü&
ii. g_mH${bV {dXo e r n[aMmbZm| H$s _m° { –H$ {dXo e r _w – m
AmpÒV`m| Am°a Xo`VmAm| H$mo VwbZnà H$s {V{W H$mo \o$S>B© ¤mam
A{Ygy{MV Aß{V_ {d{Z_` Xam| na Í$nmßV[aV {H$`m J`m h°
Am°a n[aUm_r bm^/hm{Z H$mo bm^ Am°a hm{Z ImVo _| em{_b
{H$`m J`m h° &
iii. Ad{YJV bmJV Ho$ AZwÍ$n AJ´mZrV {dXoer _w–m J°a-_m°{–H$ _Xm|
H$s gyMZm boZXoZ H$s {V{W H$mo ‡M{bV {d{Z_` Xa Ho$ ‡`moJ go H$s
JB© h° &
11. H$_©Mmar {hVbm^
11.1 AÎnmd{Y H$_©Mmar {hVbm^:
AÎnmd{Y H$_©Mmar {hVbm^ `Wm {M{H$Àgm {hVbm^, AmH$pÒ_H$ AdH$me
Am{X H$s ~Q≤>Q>ma{hV am{e H$mo, {¡mgH$mo H$_©Mm[a`m| ¤mam ‡XŒm godm Ho$ {d{Z_` _|
‡XmZ {H$`m ¡mmZm Ano{jV h°, H$_©Mm[a`m| ¤mam ‡XŒm godm Ad{Y Ho$ Xm°amZ em{_b
{H$`m J`m h° &
11.2 Zm°H$ar CnamßV {hVbm^:
i. {Z`V {hVbm^ `mo¡mZm
H$. g_yh H$s Hß$n{Z`m| _| AbJ AbJ ^{dÓ` {Z{Y `mo¡mZmE± bmJy
h¢,° ^{dÓ` {Z{Y `mo¡mZm Ho$ AßVJ©V g^r nmà H$_©Mmar `h {hVbm^
‡mflV H$aZo Ho$ hH$Xma h¢ & g_yh H$s Hß$n{Z`m± {ZYm©[aV Xa na
_m{gH$ AßeXmZ H$aVr h°ß & BZ AßeXmZ H$mo, Bg C‘oÌ` Ho$ {bE
ÒWm{nV ›`mg _| ‡o{fV H$a {X`m J`m h° VWm bm^ Am°a hm{Z
ImVo _| ‡^m[aV {H$`m J`m h° & g_yh H$s Hß$n{Z`m±, dm{f©H$
AßeXmZ Am°a „`m¡m XoZo Ho$ {bE CŒmaXm`r h°ß & `h „`m¡m - Xa Xo`
{Z{X©Ô> ›`yZV_ „`m¡m Xa Ho$ ~am~a hmoVr h° & Hß$n{Z`m±$ - Bg
‡H$ma Ho$ dm{f©H$ AßeXmZm| Am°a Cg na „`m¡m H$mo gß~ß{YV df© Ho$
gßX^© _| Ï`` _mZVr h°ß &
I. g_yh H$s Hß$n{Z`m±, J´o¿`wQ>r, n|eZ ¡m°gr {Z`V {hVbm^ `mo¡mZmE±
n[aMm{bV H$aVr h° &
J. g_yh H$s Hß$n{Z`m±, g^r nmà H$_©Mm[a`m| H$mo J´¿o `wQ>r ‡XmZ H$aVr
h°. `h {hVbm^ H$_©Mm[a`m| H$mo CZH$s godm{Zd•{Œm, Zm°H$ar Ho$ Xm°amZ
_•À`w hmo ¡mmZo AWdm Zm°H$ar H$s g_m{flV na EH$_wÌV am{e Ho$
^wJVmZ Ho$ Í$n _| ‡XmZ {H$`m ¡mmVm h° & `h am{e godm Ho$ ‡À`oH$
nyU© df© Ho$ {bE Xo` 15 {XZm| Ho$ _yb doVZ Ho$ g_VwÎ` am{e, Omo
godm {Z`_mdbr _| {ZYm©[aV CÉV_ gr_m h°, go A{YH$ Zht hmoZr
Mm{hE & `h {hVbm^ godm Ho$ nmßM df© nyao hmoZo na hr ‡mflV hmoVm
h°†& ~¢H$ Bg am{e H$m dm{f©H$ AßeXmZ ÒdVßà ~m¯ ~r_mß{H$H$
_yÎ`Z Ho$ AmYma na ›`m{g`m| ¤mam {Z`ß{ÃV {Z{Y _| H$aVm h° &
K. g_yh H$s Hw$N> Hß$n{Z`m± g^r nmà H$_©Mm[a`m| H$mo n|eZ ‡XmZ
H$aVr hß° & `h {hVbm^ {Z`_mZwgma _m{gH$ ^wJVmZ Ho$ Í$n _|
‡XmZ {H$`m ¡mmVm h° Am°a n|eZ H$m `h {Z`{_V ^wJVmZ H$_©Mm[a`m|
H$mo CZH$s godm{Zd•{Œm, Zm°H$ar Ho$ Xm°amZ _•À`w hmoZo `m Zm°H$ar H$s
g_m{flV na {H$`m ¡mmVm h° & `h {hVbm^ {Z`_mZwgma {d{^fi
185
C185 K185
SBI (Consolidated)
b. Integral Operations:
i. Foreign currency transactions are recorded on
initial recognition in the reporting currency
by applying to the foreign currency amount
the exchange rate between the reporting
currency and the foreign currency on the date
of transaction.
ii. Monetary foreign currency assets and liabilities
of integral foreign operations are translated at
closing exchange rates notified by FEDAI at the
balance sheet date and the resulting profit/loss
is included in the profit and loss account.
iii. Foreign currency non-monetary items which are
carried in terms of historical cost are reported
using the exchange rate at the date of the
transaction.
11. Employee Benefits
11.1 Short Term Employee Benefits:
The undiscounted amount of short-term employee
benefits, such as medical benefits, casual leave etc.
which are expected to be paid in exchange for the
services rendered by employees are recognised during
the period when the employee renders the service.
11.2 Post Employment Benefits:
i. Defined Benefit Plan
a. The group entities operate separate Provident
Fund schemes. All eligible employees are
entitled to receive benefits under the Provident
Fund scheme. The group entities contribute
monthly at a determined rate. These
contributions are remitted to a trust established
for this purpose and are charged to Profit and
Loss Account. The group entities are liable for
annual contributions and interests, which is
payable at minimum specified rate of interest.
The entities recognise such annual
contributions and interest as an expense in the
year to which they relate.
b. The group entities operate separate gratuity
and pension schemes, which are defined
benefit plans.
c. The group entities provide for gratuity to all
eligible employees. The benefit is in the form
of lump sum payments to vested employees
on retirement, on death while in employment,
or on termination of employment, for an
amount equivalent to 15 days basic salary
payable for each completed year of service,
subject to a ceiling in terms of service rules.
Vesting occurs upon completion of five years
of service. The Bank makes annual
contributions to a fund administered by
trustees based on an independent external
actuarial valuation carried out annually.
d. Some group entities provide for pension to all
eligible employees. The benefit is in the form
of monthly payments as per rules and regular
payments to vested employees on retirement,
on death while in employment, or on
termination of employment. Vesting occurs at
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
MaUm| _| ‡mflV hmoVm h° & Hß$n{Z`m± Bg am{e H$m dm{f©H$ AßeXmZ
ÒdVßà ~m¯ dmÒV{dH$ _yÎ`Z Ho$ AmYma na ›`m{g`m| ¤mam {Z`ß{ÃV
{Z{Y _| H$aVr h¢ü&
L> {Z`V {hVbm^-‡mdYmZ - bmJV H$mo ‡À`oH$ VwbZnà H$s {V{W na
dmÒV{dH$ _yÎ`Z Ho$ AmYma na AZw_m{ZV `y{ZQ> F$U n’{V Ho$
‡`moJ go {ZYm©[aV {H$`m J`m h° & dmÒV{dH$ bm^/hm{Z H$mo bm^
Am°a hm{Z {ddaU _| Vwa›V em{_b H$a {X`m J`m h° Am°a C›h| ÒW{JV
Zht {H$`m J`m h° &
ii. H$_©Mm[a`m| Ho$ A›` XrKm©d{Y {hVbm^ :
H$. g_yh H$m ‡À`oH$ H$_©Mmar ‡{Vny[aV AZwnpÒW{V, a¡mV ¡m`ßVr gÂ_mZ
Am°a AdH$me `mÃm - [a`m`V, godm{Zd•{Œm bm^ Am°a nwZdm©gZ
^Œmo H$m nmà hmoVm h° & Bg ‡H$ma H$s XrKm©d{Y H$_©Mmar {hVbm^
H$s bmJV H$m {dŒmnmofU ~¢H$ ¤mam AmßV[aH$ ÒVa na {H$`m J`m h° &
I. A›` XrKm©d{Y Ho$ {hVbm^ Ho$ ‡mdYmZ H$s bmJV H$m {ZYm©aU
‡À`oH$ VwbZnà H$s {V{W H$mo dmÒV{dH$ _yÎ`Z H$s AZw_m{ZV `y{ZQ>
F$U n’{V Ho$ ‡`moJ go {H$`m J`m h°& nyd©dVu godm bmJV H$mo bm^
Am°a hm{Z {ddaU _| Vwa›V em{_b H$a {X`m J`m h° Am°a C›h| ÒW{JV
Zht {H$`m J`m h° &
12. H$a {ZYm©aU Ho$ {bE ‡mdYmZ
12.1 dV©_mZ H$a, AmÒW{JV H$a VWm AZwfßJr bm^-H$a ‡^ma H$s Hw$b am{e
Am` H$a Ï`` h°†& Mmby df© Ho$ H$am| H$m {ZYm©aU boIm _mZH$ 22 Am°a
^maV _| ‡M{bV H$a {Z`_m| Ho$ AZwgma {dXoe pÒWV AZwfß{J`m| Ho$ gß~ß{YV
Xoem| Ho$ H$a {Z`_m| H$m g_m`mo¡mZ H$aHo$ {H$`m J`m h°†& AmÒW{JV H$a
AmpÒV`m| `m Xo`VmAm| _| Cg Ad{Y Ho$ Xm°amZ h˛E CVma-MãT>md AmÒW{JV
H$a g_m`mo¡mZ _| g_m{dÔ> h¢ &
12.2 AmÒW{JV H$a - AmpÒV`m| Am°a Xo`VmAm| H$m AmH$bZ A{Y{Z`{_V H$a -
Xam| Am°a H$a - H$mZyZm| AWdm VwbZnà - {V{W Ho$ H$m\$s nyd© A{Y{Z`{_V
Xam| Am°a H$mZyZ Ho$ AmYma na {H$`m J`m h°†& AmÒW{JV H$a AmpÒV`m|
Am°a Xo`VmAm| H$m A{^kmZ {ddoH$nyU© AmYma na-AmpÒV`m| Am°a Xo`VmAm|
Ho$ AJ´mZrV _yÎ` Am°a CZHo$ H´$_e: H$a-AmYma Am°a AJ´mZrV j{V`m|
Ho$ ~rM Ad{YJV {d^oX H$mo ‹`mZ _| aIH$a {H$`m J`m h°†& AmÒW{JV
H$a AmpÒV`m| Am°a Xo`VmAm| _| h˛E n[adV©Z H$m ‡^md bm^ Am°a hm{Z
ImVo _| ‡H$Q> {H$`m J`m h° &
12.3 AmÒW{JV H$a AmpÒV`m| H$mo, dgybr H$s {ZpÌMVVm hmoZo Ho$ ‡~ßYZ Ho$ {ZU©`
Ho$ AmYma na, ‡À`oH$ gy{MV {V{W H$mo aoImß{H$V Am°a nwZ{Z©Ym©[aV {H$`m J`m
h°†& ¡m~ `h nyU© Í$n go gw{ZpÌMV hmo J`m h° {H$ Eogr AmÒW{JV - H$a -
AmpÒV`m| H$s dgybr ^mdr bm^ go H$s ¡mm gH$Vr h°, V~ AmÒW{JV-H$a -
AmpÒV`m| H$m A{^kmZ AZdemo{fV _yÎ`ımg Am°a H$a hm{Z`m| Ho$ AJ´ofU na
{H$`m J`m h° &
12.4 Am` H$a Ï`` CZH$s bmJy {d{Y`m| Ho$ AZwgma _yb Hß$nZr Am°a CgH$s
AZwfß{J`m|/gß`wäV C⁄_m| Ho$ AbJ-AbJ {dŒmr` {ddaUm| _| Xem©E JE H$a
Ï`` H$s Hw$b am{e h° &
13. ‡{V eo`a Am`
13.1 ~¢H$ AmBgrEAmB ¤mam ¡mmar boIm _mZH$ 20 - ""‡{V eo`a Am`'' Ho$
AZwgma ‡{V eo`a _yb Am°a H$_ h˛B© Am` H$s [anmoQ©> H$aVm h° & ‡{V eo`a _yb
186
C186 K186
SBI (Consolidated)
different stages as per rules. The entities make
annual contributions to funds administered by
trustees based on an independent external
actuarial valuation carried out annually.
e. The cost of providing defined benefits is
determined using the projected unit credit
method, with actuarial valuations being carried
out at each balance sheet date. Actuarial gains/
losses are immediately recognised in the
statement of profit and loss and are not deferred.
ii. Other Long Term Employee benefits:
a. All eligible employees of the group are eligible
for compensated absences, silver jubilee award,
leave travel concession, retirement award and
resettlement allowance. The costs of such long
term employee benefits are internally funded
by the Bank.
b. The cost of providing other long term benefits
is determined using the projected unit credit
method with actuarial valuations being carried
out at each balance sheet date. Past service cost
is immediately recognised in the statement of
profit and loss and is not deferred.
12. Provision for Taxation
12.1 Income tax expense is the aggregate amount of current
tax, deferred tax and fringe benefit tax charge. Current
year taxes are determined in accordance with the
provisions of Accounting Standard 22 and tax laws
prevailing in India after taking into account taxes of
foreign subsidiaries, which are based on the tax laws
of respective jurisdiction. Deferred tax adjustments
comprise of changes in the deferred tax assets or
liabilities during the period.
12.2 Deferred tax assets and liabilities are measured using tax
rates and tax laws that have been enacted or substantially
enacted prior to the balance sheet date. Deferred tax assets
and liabilities are recognised on a prudent basis for the
future tax consequences of timing differences arising
between the carrying values of assets and liabilities and
their respective tax basis, and carry forward losses. The
impact of changes in the deferred tax assets and liabilities
is recognised in the profit and loss account.
12.3 Deferred tax assets are recognised and reassessed at each
reporting date, based upon management’s judgement as
to whether realisation is considered certain. Deferred
tax assets are recognised on carry forward of unabsorbed
depreciation and tax losses only if there is virtual
certainty that such deferred tax assets can be realised
against future profits.
12.4 Income tax expenses are the aggregate of the amounts of
tax expense appearing in the separate financial statements
of the parent and its subsidiaries/joint ventures, as per
their applicable laws.
13. Earning per Share
13.1 The Bank reports basic and diluted earnings per share in
accordance with AS 20 -‘Earnings per Share’ issued by
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O)
Am` H$s JUZm H$amonamßV {Zdb bm^ H$mo Cg df© Ho$ {bE eof B{ädQ>r eo`am|
H$s ^m[aV Am°gV gߪ`m go {d^m{OV H$aHo$ H$s ¡mmVr h° &
13.2 H$_ H$s h˛B© ‡{V eo`a Am` `h ‡X{e©V H$aVr h° {H$ `{X ‡{V^y{V`m| AWdm
A›` gß{dXmAm| H$mo df© Ho$ Xm°amZ ¡mmar H$aZo `m gßn[ad{V©V H$aZo H$m
{dH$În {b`m J`m Vmo eo`a _yÎ`m| _| {H$VZr H$_r AmEJr†& H$_ H$s h˛B© ‡{V
eo`a Am` H$s JUZm B{ädQ>r eo`am| H$s ^m[aV Am°gV gߪ`m Am°a H$_
gß^mdZm dmbo B{ädQ>r eo`am| Ho$ ~rM VwbZm H$aHo$ H$s ¡mmVr h° &
14. ‡mdYmZ, AmH$pÒ_H$ Xo`VmAm| Am°a AmH$pÒ_H$ AmpÒV`m| H$m boImH$aU
14.1 ^maVr` gZXr boImH$ma gßÒWmZ Ho$ boIm _mZH$ 29 Ho$ AZwgma ¡mmar
""‡mdYmZ, AmH$pÒ_H$ Xo`VmE± Am°a AmH$pÒ_H$ AmpÒV`m±'' _| {nN>bo n[aUm_
go CX≤^yV dV©_mZ Xm{`Àd hmoZo na hr ‡mdYmZ em{_b H$aVm h°, `h gß^d h°
{H$ Xm{`Àd Ho$ {ZYm©aU _| Am{W©H$ bm^ H$mo g_m{dÔ> H$aZo dmbo gßgmYZm| Ho$
~{hJ©_Z H$s AmdÌ`H$Vm nãSo>Jr Am°a V^r Bg Xm{`Àd am{e H$m {dÌdÒV
‡mäH$bZ {H$`m ¡mm gH$Vm h° &
14.2 {ZÂZ{b{IV Ho$ {bE {H$gr ‡mdYmZ H$m A{^kmZ Zht {H$`m J`m h°
i. {nN>bo n[aUm_ go CX≤^yV {H$gr gÂ^m{dV Xm{`Àd Ho$ {bE Am°a ~¢H$ Ho$
{Z`ßÃU go ~mha hmoZo dmbo EH$ `m A{YH$ A{ZpÌMV ^mdr n[aUm_m| H$s
‡m{flV `m A‡m{flV go {¡mgH$s nw{Ô> H$s ¡mm gHo$Jr; AWdm
ii. {H$gr dV©_mZ Xm{`Àd Ho$ {bE, ¡mmo {nN>bo n[aUm_m| go CX≤^Vy h°, {H$›Vw Cgo
A{^kmZ _| Zht {b`m J`m h°, ä`m|{H$
H$. `h gß^d Zht h° {H$ Xm{`Àd Ho$ {ZYm©aU _| Am{W©H$ bm^m| H$mo g_m{dÔ>
H$aZo dmbo gßgmYZm| H$m ~{hJ©_Z AmdÌ`H$ hmoJm; AWdm
I. Xm{`Àd am{e H$m {dÌdÒV ‡mäH$bZ Zht {H$`m ¡mm gH$Vmü&
Eogo Xm{`Àdm| H$mo AmH$pÒ_H$ Xo`VmAm| Ho$ Í$n _| X¡m© {H$`m J`m h°. BZ Xm{`Àdm|
H$m {Z`{_V AßVambm| na _yÎ`mßH$Z {H$`m ¡mmVm h° Am°a Eogo Xm{`Àd Ho$ Ho$db
Cg Aße H$m, {¡mgHo$ Am{W©H$ bm^m| H$mo g_m{dÔ> H$aZo dmbo gßgmYZm| Ho$
~{hJ©_Z H$s gß^mdZm h°, {ZVm›V Xwb^© n[apÒW{V`m|, {¡mZ_| H$moB© {dÌdÒV
‡mäH$bZ Zht {H$`m ¡mm gH$Vm h°, Ho$ Abmdm ‡mdYmZ {H$`m J`m h° &
14.3 AmH$pÒ_H$ AmpÒV`m| H$mo {dŒmr` {ddaUm| _| em{_b Zht {H$`m J`m h°, ä`m|{H$
Am` Ho$ {ZYm©aU na BgH$m ‡^md nãS> gH$Vm h°, ¡m~{H$ BgH$s dgybr Zht H$s ¡mm
gH$Vr &
15. ZH$Xr Am°a ZH$Xr g_VwÎ`
ZH$Xr Am°a ZH$Xr g_VwÎ` _| hmW ZH$Xr Edß EQ>rE_ _oß ZH$Xr VWm Ym[aV ÒdU©, ^maVr`
[aμ¡md© ~¢H$ _| ¡m_mam{e`m±, A›` ~¢H$m| _| ¡m_mam{e`m± VWm _m±J Edß AÎn gyMZm na ‡mfl`
YZam{e em{_b h¢ &
16. H$_©Mmar eo`a H´$` `mo¡mZm
^maVr` ‡{V^y{V Am°a EägM|O ~moS©> (go~r) ¤mam ¡mmar H$_©Mmar ÒQ>mH$ {dH$În `mo¡mZm
Am°a H$_©Mmar ÒQ>mH$ H´$` `mo¡mZm {Xem - {ZX}e, 1999 Ho$ AZwgma {¡mg _yÎ` na eo`a
¡mmar {H$E ¡mmVo h°ß CgH$s VwbZm _| eo`a ¡mmar {H$E ¡mmZo Ho$ EH$ {XZ nyd© Ho$ _yÎ` _|
AßVa H$mo H$_©Mmar ‡{Vny{V© bmJV _mZm J`m h° &
17. eo`a ¡mmar H$aZo H$m Ï``
eo`a ¡mmar H$aZo Ho$ Ï`` H$mo eo`a ‡r{_`_ ImVo _| ‡^m[aV {H$`m J`m h° &
187
C187 K187
SBI (Consolidated)
the ICAI. Basic earnings per share are computed by
dividing the net profit after tax by the weighted average
number of equity shares outstanding for the year.
13.2 Diluted earnings per share reflect the potential dilution
that could occur if securities or other contracts to issue
equity shares were exercised or converted during the year.
Diluted earnings per share is computed using the
weighted average number of equity shares and dilutive
potential equity shares outstanding at year end.
14. Accounting for Provisions, Contingent Liabilities and
Contingent Assets
14.1 In conformity with AS 29, “Provisions, Contingent
Liabilities and Contingent Assets”, issued by the Institute
of Chartered Accountants of India, the provision is
recognised only when it has a present obligation as a
result of a past event, it is probable that an outflow of
resources embodying economic benefits will be required
to settle the obligation, and when a reliable estimate of
the amount of the obligation can be made.
14.2 No provision is recognised for
i. any possible obligation that arises from past events
and the existence of which will be confirmed only
by the occurrence or non-occurrence of one or more
uncertain future events not wholly within the control
of the Bank; or
ii. any present obligation that arises from past events
but is not recognised because
a. it is not probable that an outflow of resources
embodying economic benefits will be required
to settle the obligation; or
b. a reliable estimate of the amount of obligation
cannot be made.
Such obligations are recorded as Contingent
Liabilities. These are assessed at regular intervals
and only that part of the obligation for which an
outflow of resources embodying economic benefits
is probable, is provided for, except in the extremely
rare circumstances where no reliable estimate can
be made.
14.3 Contingent Assets are not recognised in the financial
statements as this may result in the recognition of income
that may never be realised.
15. Cash and cash equivalents
Cash and cash equivalents include cash on hand and in ATM’s,
and gold in hand, balances with RBI, balances with other
banks, and money at call and short notice.
16. Employee Share Purchase Scheme
In accordance with the Employee Stock Option Scheme and
Employee Stock Purchase Scheme Guidelines, 1999 issued
by the Securities and Exchange Board of India (“SEBI”), the
excess of market price one day prior to the date of issue of the
shares over the price at which they are issued is recognised
as employee compensation cost.
17. Share Issue Expenses
Share issue expenses are charged to the Share Premium
Account.
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

‚ã¶ãìÔãîÞããè - 18 Schedule 18

ÊãñŒãã-ã䛹¹ããä¥ã¾ããú NOTES ON ACCOUNTS

(am{e H$amoãS> Èn`o _|) (Amount in Rupees in crores)
1. Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ Öñ¦ãì ãäÌãÞããÀ ãä‡ãŠ† Øㆠ1. List of Subsidiaries/Joint Ventures/Associates
‚ã¶ãìÓãâãäØã¾ããò/Ôãâ¾ãì‡ã‹¦ã „²ã½ããò/ÔãÖ¾ããñãäØã¾ããò ‡ãŠãè ÔãîÞããè: considered for preparation of consolidated financial
statements:
1.1 Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ¦ãõ¾ããÀ ‡ãŠÀ¦ãñ Ôã½ã¾ã ãä¶ã½¶ããâãä‡ãŠ¦ã 29 ‚ã¶ãìÓãâãäØã¾ããñâ,
1.1 The 29 Subsidiaries, 2 Joint Ventures and 28
2 Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‚ããõÀ 28 ÔãÖ¾ããñãäØã¾ããò (½ãîÊã ÔãâÔ©ãã ¼ããÀ¦ããè¾ã Ô›ñ›
Associates (which along with State Bank of
ºãö‡ãŠ ‡ãñŠ Ôãã©ã Ôã½ãîÖ ½ãò Ôããä½½ããäÊã¦ã) ‡ãŠãñ Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ : India, the parent, constitute the Group),
‡ãŠ) ‚ã¶ãìÓãâØããè considered in the preparation of the
consolidated financial statements are -
‰ãŠ. ‚ã¶ãìÓãâØããè ‡ãŠã ¶ãã½ã ãä¶ãØã½ã¶ã- Ôã½ãîÖ ‡ãŠã A) Subsidiaries
Ôãâ. ªñÍã •ããñãäŒã½ã (%)
Sr. Name of the Country of Group’s
1. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ºããè‡ãŠã¶ãñÀ †¥¡ •ã¾ã¹ãìÀ ¼ããÀ¦ã 75.07 No Subsidiary Incorporation Stake (%)
2. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ÖõªÀãºã㪠¼ããÀ¦ã 100.00 1) State Bank of Bikaner & Jaipur India 75.07
3. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ƒâªãõÀ ¼ããÀ¦ã 98.05 2) State Bank of Hyderabad India 100.00
4. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ½ãõÔãîÀ ¼ããÀ¦ã 92.33 3) State Bank of Indore India 98.05
5. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ¹ãã䛾ããÊãã ¼ããÀ¦ã 100.00 4) State Bank of Mysore India 92.33
6. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ÔããõÀãÓ›È (13.08.08 ¦ã‡ãŠ) ¼ããÀ¦ã 100.00 5) State Bank of Patiala India 100.00

7. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ¨ããÌã¥ã‡ãŠãñÀ ¼ããÀ¦ã 75.01 6) State Bank of Saurashtra

(upto 13.08.08) India 100.00
8. †Ôãºããè‚ããƒÃ ‡ãŠ½ããäÍãþãÊã †¥¡ ƒâ›À¶ãñÍãÊã ¼ããÀ¦ã 100.00
7) State Bank of Travancore India 75.01
ºãö‡ãŠ ãäÊããä½ã›ñ¡
8) SBI Commercial & International
9. †Ôãºããè‚ããƒÃ ‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ›áÔã ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 86.16 Bank Ltd India 100.00
10. †Ôãºããè‚ããƒÔãã膹ããè ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 86.16 9) SBI Capital Markets Ltd India 86.16
11. †Ôãºããè‚ããƒÔãã膹ããè ›ÈÔ›ãè ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 86.16 10) SBICAP Securities Ltd India 86.16
12. †Ôãºããè‚ããƒÔãã膹ããè†Ôã ÌãòÞãÔãà ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 86.16 11) SBICAP Trustee Company Ltd India 86.16
13. †Ôãºããè‚ãム¡ã膹㊆Þã‚ãムãäÊããä½ã›ñ¡ ¼ããÀ¦ã 65.95 12) SBICAPS Ventures Ltd India 86.16
14. †Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà †¥¡ ‡ãŠ½ããäÍãþãÊã ¼ããÀ¦ã 69.88 13) SBI DFHI Ltd India 65.95

ÔããäÌãÃÔãñÔã ¹ãÆã. ãäÊããä½ã›ñ¡ 14) SBI Factors & Commercial

Services Pvt Ltd India 69.88
15. †Ôãºããè‚ãム½¾ãîÞãì‚ãÊã ¹ã⊡ ›ÈÔ›ãè ‡ã⊹ã¶ããè ¼ããÀ¦ã 100.00
15) SBI Mutual Fund Trustee
¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ Company Pvt Ltd India 100.00
16. ØÊããñºãÊã ›Èñ¡ ¹ãŠãƒ¶ããâÔã ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 92.85 16) Global Trade Finance Ltd India 92.85
17. †Ôãºããè‚ãム¹ãòÍã¶ã ¹ãŠ¥¡ ¹ãÆã. ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 96.85 17) SBI Pension Funds Pvt Ltd India 96.85
18. †Ôãºããè‚ãム‚ããä¼ãÀàãã ÔãñÌãã ¹ãÆã. ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 100.00 18) SBI Custodial Services Pvt Ltd India 100.00
19. †Ôãºããè‚ãムÔãã£ããÀ¥ã ºããè½ãã ‡ã⊹ã¶ããè ¼ããÀ¦ã 100.00 19) SBI General Insurance Co. Ltd India 100.00
20. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ƒâã䡾ãã (‡ãŠ¶ãã¡ã) ‡ãŠ¶ãã¡ã 100.00 20) State Bank of India (Canada) Canada 100.00
21. Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ƒâã䡾ãã (‡ãõŠÊãñ¹ãŠãñãä¶ãþãã) ¾ãî†Ôㆠ100.00 21) State Bank of India (California) USA 100.00
22. †Ôãºããè‚ãム(½ããùÀãèÍãÔã) ãäÊã. ½ããùÀãèÍãÔã 93.40 22) SBI (Mauritius) Ltd Mauritius 93.40
23. ¹ããè›ãè ºãö‡ãŠ ƒâ¡ãñ½ããù¶ãñ‡ã‹Ôã ƒâ¡ãñ¶ãñãäÍã¾ãã 76.00 23) PT Bank Indomonex Indonesia 76.00

24. †Ôãºããè‚ããƒÔãã膹ããè (¾ãî‡ãñŠ) ãäÊã. ¾ãî‡ãñŠ 86.16 24) SBICAP (UK) Ltd U.K. 86.16

188

C188 K188
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

25. †Ôãºããè‚ãム‡ãŠã¡ÃÔã †¥¡ ¹ãñ½ãò› 25) SBI Cards and Payment Services
ÔããäÌãÃÔãñ•ã ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡* ¼ããÀ¦ã 60.00 Pvt Ltd @ India 60.00

26. †Ôãºããè‚ãム¹ã⊡áÔã ½ãõ¶ãñ•ã½ãò› ¹ãÆã. ãäÊã.* ¼ããÀ¦ã 63.00 26) SBI Funds Management Pvt Ltd@ India 63.00
27) SBI Life Insurance Company Ltd@ India 74.00
27. †Ôãºããè‚ãムÊãヹ㊠ƒâ;ããñÀòÔã ‡ãâŠ. ãäÊã.* ¼ããÀ¦ã 74.00
28) Commercial Bank of India Llc @ Russia 60.00
28. ‡ãŠ½ããäÍãþãÊã ºãö‡ãŠ ‚ãã¹ãŠ ƒâã䡾ãã †Êã†ÊãÔããè* ÂÔã 60.00
29) SBI Funds Management
29. †Ôãºããè‚ãム¹ã⊡áÔã ½ãõ¶ãñ•ã½ãò› ½ããùÀãèÍãÔã 63.00
(International) Private Ltd @ Mauritius 63.00
(ƒâ›À¶ãñÍã¶ãÊã) ¹ãÆã. ãäÊã.*
@ These entities are jointly controlled.
* ¾ãñ ƒ‡ãŠãƒ¾ããú Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã Öö.
B) Joint Ventures
Œã. Ôãâ¾ãì‡ã‹¦ã „²ã½ã
Sr. Name of the Country of Group’s
‰ãŠ. Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠã ¶ãã½ã ãä¶ãØã½ã¶ã- Ôã½ãîÖ ‡ãŠã No Joint Venture Incorporation Stake (%)
Ôãâ. ªñÍã •ããñãäŒã½ã (%)
1) C Edge Technologies
1. Ôããè-†•ã ›ñ‡ã‹¶ããñÊããù•ããèÔã ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 49.00 Ltd India 49.00

2. •ããèƒÃ ‡ãõŠãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãò› 2) GE Capital Business

ÔããäÌãÃÔãñ•ã ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 40.00 Process Management
Services Pvt Ltd India 40.00
Øã. ÔãÖ¾ããñØããè:
C) Associates:
‰ãŠ. ÔãÖ¾ããñØããè ‡ãŠã ¶ãã½ã ãä¶ãØã½ã¶ã- Ôã½ãîÖ ‡ãŠã Sr. Name of the Country of Group’s
Ôã. ªñÍã •ããñãäŒã½ã (%) No Associate Incorporation Stake (%)
1. ‚ããâ£ãÆ ¹ãƪñÍã ØãÆã½ããè¥ã ãäÌã‡ãŠãÔã ºãö‡ãŠ ¼ããÀ¦ã 35.00 1) Andhra Pradesh
Grameena Vikas Bank India 35.00
2. ‚ãÁ¥ããÞãÊã ¹ãƪñÍã ÂÀÊã ºãö‡ãŠ ¼ããÀ¦ã 35.00
2) Arunachal Pradesh
3. œ¦¦ããèÔãØãü¤ ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 Rural Bank India 35.00

4. ƒÊãã‡ãŠãƒÃ ªñÖã¦ããè ºãö‡ãŠ ¼ããÀ¦ã 35.00 3) Chhatisgarh Gramin Bank India 35.00

5. ½ãñÜããÊã¾ã ÂÀÊã ºãö‡ãŠ ¼ããÀ¦ã 35.00 4) Ellaquai Dehati Bank India 35.00

5) Meghalaya Rural Bank India 35.00

6. ‡ãðŠÓ¥ãã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00
6) Krishna Grameena Bank India 35.00
7. ÊããâØã¹ããè ªñÖãâØããè ÂÀÊã ºãö‡ãŠ ¼ããÀ¦ã 35.00
7) Langpi Dehangi Rural Bank India 35.00
8. ½ã£¾ã ¼ããÀ¦ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 8) Madhya Bharat Gramin Bank India 35.00
9. ãä½ã•ããñÀ½ã ÂÀÊã ºãö‡ãŠ ¼ããÀ¦ã 35.00 9) Mizoram Rural Bank India 35.00

10. ¶ããØããÊãö¡ ÂÀÊã ºãö‡ãŠ ¼ããÀ¦ã 35.00 10) Nagaland Rural Bank India 35.00

11) Parvatiya Gramin Bank India 35.00

11. ¹ãÌãæããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00
12) Purvanchal Kshetriya
12. ¹ãîÌããÄÞãÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 Gramin Bank India 35.00

13. Ôã½ãÔ¦ããè¹ãìÀ àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 13) Samastipur Kshetriya
Gramin Bank India 35.00
14. „¦‡ãŠÊã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00
14) Utkal Gramya Bank India 35.00
15. „¦¦ãÀãâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00
15) Uttaranchal Gramin Bank India 35.00
16. Ìã¶ããâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 16) Vananchal Gramin Bank India 35.00

189

C189 K189
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

17. ½ããÀÌãã¡ ØãâØãã¶ãØãÀ ºããè‡ãŠã¶ãñÀ ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 26.27 17) Marwar Ganganagar
Bikaner Gramin Bank India 26.27
18. ãäÌããäªÍãã ¼ããñ¹ããÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 34.32
18) Vidisha Bhopal Kshetriya
19. ¡ñ‡ã‹‡ãŠ¶ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 Gramin Bank India 34.32

19) Deccan Grameena Bank India 35.00

20. ‡ãŠãÌãñÀãè ‡ãŠÊ¹ã¦ã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 32.32
20) Cauvery Kalpatharu
21. ½ããÊãÌãã ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 Grameena Bank India 32.32
22. ÔããõÀãÓ›È ØãÆã½ããè¥ã ºãö‡ãŠ ¼ããÀ¦ã 35.00 21) Malwa Gramin Bank India 35.00

23. ãäª ãä‡ã‹Êã¾ããäÀâØã ‡ãŠã¹ããóÀñÍã¶ã ‚ãã¹ãŠ 22) Saurashtra Grameena Bank India 35.00

23) The Clearing Corporation

ƒâã䡾ãã ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 28.97
of India Ltd India 28.97
24. †Ôãºããè‚ãムÖãñ½ã ¹ãŠãƒ¶ãöÔã ãäÊããä½ã›ñ¡ ¼ããÀ¦ã 25.05 24) SBI Home Finance Ltd India 25.05

25. ¾ãî›ãè‚ããƒÃ †Ôãñ› ½ãõ¶ãñ•ã½ãò› ‡ã⊹ã¶ããè ¹ãÆã. ãäÊã. ¼ããÀ¦ã 25.00 25) UTI Asset Management
Company Pvt Ltd India 25.00
26. ºãö‡ãŠ ‚ãã¹ãŠ ¼ãî›ã¶ã ¼ãî›ã¶ã 20.00
26) Bank of Bhutan Bhutan 20.00
27. ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊããä½ã›ñ¡ ¶ãñ¹ããÊã 50.00 27) Nepal SBI Bank Ltd Nepal 50.00
28. †Ôã†Ôã ÌãòÞãÔãà ÔããäÌãÃÔãñÔã ãäÊã. ¼ããÀ¦ã 43.08 28) S.S. Ventures Services Ltd India 43.08

1.2 ÌãÓãà 2007-08 ‡ãŠãè ¦ãìÊã¶ãã ½ãò Ôã½ãñ‡ãŠ¶ã-¹ãÆãä‰ãŠ¾ãã ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ¹ããäÀÌã¦ãöã 1.2 The following changes have taken place in the
consolidation process as compared to 2007-08.
Öì† Öö.
‡ãŠ. ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ ã䪶ããâ‡ãŠ 14 ‚ãØãÔ¦ã 2008 Ôãñ Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ a. The Government of India has notified the
acquisition of State Bank of Saurashtra (SBS), a
ÔããõÀãÓ›È, •ããñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè †‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè
wholly owned banking subsidiary of SBI, with
Öõ, ‡ãñŠ ‚ããä¼ãØãÆÖ¥ã Ôãñ Ôãâºãâãä£ã¦ã ‚ããä£ãÔãîÞã¶ãã •ããÀãè ‡ãŠãè Öõ, „‡ã‹¦ã ‚ããä£ãÔãîÞã¶ãã effect from 14th August 2008. Pursuant to the said
‡ãñŠ ‚ã¶ãìÔããÀ, ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ †Ôãºããè†Ôã ‡ãŠã ¹ãî¥ãà ¹ã Ôãñ ‚ããä¼ãØãÆÖ¥ã notification, the entire undertaking of the
‡ãŠÀ ãäÊã¾ãã Öõý †Ôãºããè†Ôã ‡ãñŠ ‚ããä¼ãØãÆ֥㠇ãŠãñ ½ãã¶ã‡ãŠ 14 ‡ãñŠ ‚ã¶ãìÔããÀ erstwhile SBS stands acquired by SBI. The
""º¾ãã•ã †‡ãŠãè‡ãŠÀ¥ã ¹ã®ãä¦ã'' ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¦ãñ Öì† ãäÖÔããºã ½ãò ãäÊã¾ãã acquisition of SBS has been accounted using
"Pooling of Interest method" as per Accounting
Øã¾ãã Öõ. ‚ããä¼ãØãÆÖ¥ã Ôãñ Ôãâºãâãä£ã¦ã ÔããŒã ‡ãŠãè Á. 0.65 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã Standard 14. The goodwill arising on acquisition
‡ãŠãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ãã¾ã Œãã¦ãñ ½ãò ¹ãƼãããäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý amounting to Rs. 0.65 crores has been charged
off to the revenue during the period.
Œã. ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè ‚ã¶ãìÓãâØããè ƒâã䡾ã¶ã ‚ããñãäÍã¾ã¶ã ƒâ›À¶ãñÍã¶ãÊã
ºãö‡ãŠ ‡ãŠãñ †Ôãºããè‚ãムƒâ›À¶ãñÍã¶ãÊã (½ããÀãèÍãÍã) ãäÊã., •ããñ ¼ããÀ¦ããè¾ã b. SBI's subsidiary, Indian Ocean International Bank
Ô›ñ› ºãö‡ãŠ ‡ãŠãè ªîÔãÀãè ‚ã¶ãìÓãâØããè Öõ, ‡ãñŠ Ôãã©ã Ôã½ãã½ãñãäÊã¦ã ãä‡ãŠ¾ãã Øã¾ãã (IOIB) amalgamated with SBI International
(Mauritius) Ltd, another subsidiary of SBI and
‚ããõÀ Ôã½ãã½ãñãäÊã¦ã ‡ã⊹ã¶ããè ‡ãŠã ¶ãã½ã ºãªÊã‡ãŠÀ †Ôãºããè‚ãム(½ããÀãèÍãÍã)
the amalgamated entity's name has been changed
ãäÊã. ‡ãŠÀ ã䪾ãã Øã¾ãã ‚ããõÀ „Ôã‡ãñŠ ¹ãîÌãÃÌã¦ããê ÔÌã¹㠹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ to SBI (Mauritius) Ltd. and converted as a Public
‡ã⊹ã¶ããè Ôãñ ºãªÊã‡ãŠÀ „Ôãñ †‡ãŠ ¹ããäºÊã‡ãŠ ãäÊããä½ã›ñ¡ ‡ã⊹ã¶ããè ‡ãñŠ ¹㠽ãò Limited Company from its erstwhile status as a
¹ããâ¦ããäÀ¦ã ‡ãŠÀ ã䪾ãã Øã¾ããý ãäÌãÊã¾ã ‡ãŠãè ƒÔã ¾ããñ•ã¶ãã ‡ãŠãñ ºãö‡ãŠ ‚ããù¹ãŠ Private Limited Company. The Scheme of Merger
has been sanctioned by Bank of Mauritius from
½ããÀãèÍãÍã ´ãÀã 1‚ã¹ãÆõÊã 2008 •ããñ „Ôã‡ãŠãè ãä¶ã¾ãìãä‡ã‹¦ã ãä¦ããä©ã Öõ, Ôãñ
1st April 2008, being the appointed date.
ÔãâÔÌããè‡ãðŠ¦ã ‡ãŠÀ ã䪾ãã Øã¾ããý ¹ããäÀ¥ãã½ãÔÌã¹ã, †Ôãºããè‚ãム(½ããÀãèÍãÍã) Consequently, the SBI's stake in SBI (Mauritius)
ãäÊã. ½ãò ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠã ‚ãâÍã 98% £ãããäÀ¦ãã (ãäÌãÊã¾ã Ôãñ ¹ãîÌãÃ) Limited has reduced from a 98% holding (pre-
Ôãñ Ü㛇ãŠÀ 93.40% £ãããäÀ¦ãã (ãäÌãÊã¾ã ‡ãñŠ ¹ãÍÞãã¦ã) Öãñ Øã¾ãã Öõý merger) to 93.40% holding (post-merger).

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Øã. ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ †‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè, †Ôãºããè‚ãムc. SBI has established a wholly owned subsidiary,
‚ããä¼ãÀàãã ÔãñÌãã†â ¹ãÆã. ãäÊã. ‡ãŠãè Ô©ãã¹ã¶ãã ã䪶ããâ‡ãŠ 16 ½ãƒÃ 2008 ‡ãŠãñ ‡ãŠãè SBI Custodial Services Pvt. Ltd. on 16th May 2008
and the capital of the company as on 31.03.09 is
Öõ ‚ããõÀ 31.03.09 ‡ãŠãñ ƒÔã ‡ã⊹ã¶ããè ‡ãŠãè ¹ãîâ•ããè Á. 13.76 ‡ãŠÀãñü¡ Öõý
Rs. 13.76 crores. A joint venture agreement has
65% ‚ãâÍã ÀŒã¦ãñ Öì† ºãö‡ãŠ ¶ãñ ÔããñÔãã¾ã›ãè •ã¶ãÀÊã ¹ãÆŠãâÔã ‡ãñŠ Ôãã©ã †‡ãŠ been entered with Societe Generale, France, with
Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ãä‡ãŠ¾ãã Öõý ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ¶ãñ „‡ã‹¦ã Ôãâ¾ãì‡ã‹¦ã the bank having 65% stake. RBI has approved the
„²ã½ã ‡ãñŠ ãäÊㆠ‚ã¶ãì½ããä¦ã ¹ãƪã¶ã ‡ãŠÀ ªãè Öõ ‚ããõÀ Ôãñºããè ‡ãŠã ‚ã¶ãì½ããñª¶ã said joint venture and SBI is awaiting approval
‚ã¼ããè ¹ãÆ㹦ã Öãñ¶ãã ºãã‡ãŠãè Öõý ƒÔã Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠãè ¹ãÆããä£ã‡ãðŠ¦ã ¹ãîâ•ããè from SEBI. The authorised capital of this joint
venture is envisaged at Rs. 100 crores.
Á. 100 ‡ãŠÀãñü¡ ¹ããäÀ‡ãŠãäʹã¦ã ‡ãŠãè ØãƒÃ Öõý
d. SBI Pension Funds Pvt. Ltd. has commenced
Üã. †Ôãºããè‚ãム¹ãòÍã¶ã ¹ãŠ¥¡áÔã ¹ãÆã. ãäÊã. ¶ãñ 2 ‚ã¹ãõÊÆ ã 2008 Ôãñ ‡ãŠã¾ãà ¹ãÆãÀâ¼ã operations on 2nd April 2008. During the year, SBI
‡ãŠÀ ã䪾ãã Öõ ý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ‚ã¶ãìÓãâãØä ã¾ããò, has divested 10% equity stake in SBI Pension Fund
‚ã©ããæ㠆Ôãºããè‚ãムÊãヹ㊠ƒâ;ããñÀÔò ã ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡ ‚ããõÀ †Ôãºããè‚ãムPvt. Ltd at cost in favour of its subsidiaries viz.
¹ãŠ¥¡áÔã ½ãõ¶ãñ•ã½ãò› (¹ãÆã.) ãäÊã. ‡ãñŠ ¹ãàã ½ãò ÊããØã¦ã ¹ãÀ †Ôãºããè‚ãム¹ãòÍã¶ã SBI Life Insurance Company Limited and SBI
¹ãŠ¥¡ ¹ãÆã. ãäÊã. Ôãñ 10% ƒãä‡ã‹Ìã›ãè ‚ãâÍã ‡ãŠãñ ãä¶ã‡ãŠãÊã ãäÊã¾ãã Öõý ƒÔã‡ãñŠ Funds Management (Pvt.) Ltd. As a result of this
divestment, the bank's total equity stake (including
¹ããäÀ¥ãã½ãÔÌã¹ã, ºãö‡ãŠ ‡ãŠã ‡ãìŠÊã ƒãä‡ã‹Ìã›ãè ‚ãâÍã (‚ã¹ãƦ¾ãàã ‚ãâÍã ÔããäÖ¦ã)
indirect stake) has come down to 96.85%.
Ü㛇ãŠÀ 96.85% ÀÖ Øã¾ãã Öõý
e. SBI has incorporated SBI General Insurance
Ý ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¶ãì½ããñª¶ããò ‡ãñŠ ‚㣾ã£ããè¶ã Ôãã£ããÀ¥ã Company Ltd. on 24th February 2009 with an
ºããè½ãã „¹ãÊ㺣㠇ãŠÀã¶ãñ ‡ãñŠ ãäÊㆠÁ. 20 ‡ãŠÀãñü¡ ‡ãŠãè ¹ãÆããä£ã‡ãðŠ¦ã ¹ãîâ•ããè ‡ãñŠ authorised share capital of Rs. 20 crores for
Ôãã©ã 24 ¹ãŠÀÌãÀãè 2009 Ôãñ †Ôãºããè‚ãムÔãã£ããÀ¥ã ºããè½ãã ‡ã⊹ã¶ããè ãäÊã. providing general insurance subject to regulatory
Íãì ‡ãŠãè Öõý Ôãã£ããÀ¥ã ºããè½ãã ̾ãÌãÔãã¾ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã Ô›ñ› approvals. SBI has signed a Joint Venture
agreement with Insurance Australia Group (IAG)
ºãö‡ãŠ ¶ãñ ƒâ;ããñÀòÔã ‚ããÔ›ÈñãäÊã¾ãã ØãÆì¹ã (‚ãテ•ããè) ‡ãñŠ Ôãã©ã †‡ãŠ Ôãâ¾ãì‡ã‹¦ã
for conducting the General Insurance Business.
„²ã½ã ‡ãŠÀãÀ ¹ãÀ ÖÔ¦ããàãÀ ãä‡ãŠ† Ööý ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ƒÔã Ôãâ¾ãì‡ã‹¦ã SBI will hold 74% equity in the JV, while IAG
„²ã½ã ½ãò 74% ƒãä‡ã‹Ìã›ãè ‚ããõÀ ‚ãテ•ããè 26% ƒãä‡ã‹Ìã›ãè ÀŒãñØããèý will hold 26% equity.

Þã. ã䪶ããâ‡ãŠ 25 •ãî¶ã 2008 ‡ãŠãñ ‚ãã¾ããñãä•ã¦ã ‚ã¹ã¶ããè ºãõŸ‡ãŠ ½ãò ‡ãñŠ¶³ãè¾ã ºããñ¡Ã f. Pursuant to a Scheme of Amalgamation approved
´ãÀã ‚ã¶ãì½ããñã䪦ã Ôã½ãã½ãñÊã¶ã ‡ãŠãè ¾ããñ•ã¶ãã ‡ãñŠ ‚ã¶ãìÔããÀ †Ôãºããè‚ãムby the Central Board at its meeting held on 25th
June 2008, SBI Commercial and International
‡ãŠ½ããäÍãþãÊã †¥¡ ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ ãäÊã., •ããñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãŠãè
Bank Ltd., a wholly owned subsidiary of SBI is
†‡ãŠ ¹ãî¥ãà ÔÌãããä½ã¦¦ÌãÌããÊããè ‚ã¶ãìÓãâØããè Öõ, ‡ãŠã ãäÌãÊã¾ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ proposed to be merged with SBI. The relevant
½ãò ãä‡ãŠ¾ãã •ãã¶ãã ¹ãÆÔ¦ãããäÌã¦ã Öõý Ôãâºãâãä£ã¦ã ¾ããñ•ã¶ãã ‡ãŠãñ ‚ã¼ããè ¼ããÀ¦ã ÔãÀ‡ãŠãÀ, scheme is yet to be approved by the Government
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‚ããõÀ ‚㶾㠹ãÆããä£ã‡ãŠÀ¥ããò ´ãÀã ‚ã¶ãì½ããñã䪦ã ãä‡ãŠ¾ãã of India, RBI and other authorities. Pending such
•ãã¶ãã Öõý „‡ã‹¦ã ¾ããñ•ã¶ãã ‡ãñŠ ãäÊㆠ‚ãºã ¦ã‡ãŠ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦㠶ã Öãñ¶ãñ ‡ãñŠ approvals no effect has been given to the said
‡ãŠãÀ¥ã ƒÔãñ ÊãñŒããâñ ½ãò ¶ãÖãé ºã¦ãã¾ãã Øã¾ãã Öõý scheme in the accounts.

g. The winding up petition of SBI Home Finance

œ. †Ôãºããè‚ãムÖãñ½ã ¹ãŠãƒ¶ãöÔã ãäÊã., •ããñ ºãö‡ãŠ ‡ãŠãè ÔãÖ¾ããñØããè ‡ã⊹ã¶ããè Öõ, ‡ãŠãñ
Ltd., an associate of the bank, was filed with the
ºã⪠‡ãŠÀ¶ãñ Ôãñ Ôãâºãâãä£ã¦ã ¾ãããäÞã‡ãŠã 23 ãäÔã¦ãâºãÀ 2008 ‡ãŠãñ ‡ãŠãñÊã‡ãŠã¦ãã Kolkata High Court on 23rd September 2008. The
„ÞÞã ¶¾ãã¾ããÊã¾ã ½ãò ªã¾ãÀ ‡ãŠãè ØãƒÃý ƒÔã ‡ã⊹ã¶ããè ‡ãŠãñ ºã⪠‡ãŠÀ¶ãñ ‡ãŠã Hon'ble Court has passed an order on 31st March
ãä¶ãªóÍã ªñ¦ãñ Öì† ½ãã¶ã¶ããè¾ã ¶¾ãã¾ããÊã¾ã ¶ãñ 31 ½ããÞãà 2009 ‡ãŠãñ †‡ãŠ 2009 giving direction for winding up of the
‚ããªñÍã ¹ãããäÀ¦ã ‡ãŠÀ ã䪾ãã Öõý company.

h. SBI has signed a joint venture with Macquarie

•ã. ¼ããÀ¦ã ½ãò ãäÌããä¼ã¸ã ‚ãã£ãããäÀ‡ãŠ ÔãâÀÞã¶ãã ¹ããäÀ¾ããñ•ã¶ãã‚ããò ½ãò ãä¶ãÌãñÍã ‡ãŠÀ¶ãñ
Capital Group, Australia and IFC, Washington for
‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ½ãõ‡ã‹Ìãã‚ãÀãè ‡ãõŠãä¹ã›Êã ØãÆì¹ã, ‚ããÔ›Èãñ äÊã¾ãã setting up an Infrastructure fund of USD 3 billion
‚ããõÀ ‚ãテ¹ãŠÔããè, ÌãããäÍãâØ㛶㠇ãñŠ Ôãã©ã †‡ãŠ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠÀãÀ ãä‡ãŠ¾ãã for investing in various infrastructure projects in
Öõ, ãä•ãÔã‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‚ããõÀ ÔãÀ‡ãŠãÀ Ôãñ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã India for which RBI and Government approval
Öãñ Øã¾ãã Öõý have been received.

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¢ã. ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ããñ½ãã¶ã ‡ãŠãè Ô©ãã¶ããè¾ã ãä¶ããä£ã Ô›ñ› i. SBI has signed an MOU during the year with State
•ã¶ãÀÊã ãäÀû•ãÌãà ¹ã⊡ (†Ôãºããè‚ããÀ†¹ãŠ) ‚ããù¹ãŠ ‚ããñ½ãã¶ã ‡ãñŠ Ôãã©ã †‡ãŠ General Reserve Fund (SGRF) of Oman, a
Sovereign Fund of that country with an objective
ÔãÖ½ããä¦ã Ôãã¹ã¶ã ¹ãÀ ÖÔ¦ããàãÀ ãä‡ãŠ†ý ƒÔã‡ãŠã „ªáªñ;㠼ããÀ¦ã ½ãò ãäÌããä¼ã¸ã
to set up a general fund to invest in various sectors
àãñ¨ããò ½ãò ãä¶ãÌãñÍã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†‡ãŠ Ôãã½ã㶾ã ãä¶ããä£ã ‡ãŠãè Ô©ãã¹ã¶ãã ‡ãŠÀ¶ãã in India. While the RBI approval has been
Öõý ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠã ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ Øã¾ãã Öõý ¼ããÀ¦ã received, the Government of India approval is
ÔãÀ‡ãŠãÀ ‡ãŠã ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦ã Öãñ¶ãã Öõý awaited.

šã. ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ (†Ôãºããè‚ããƒ) ‚ããõÀ †Ôãºããè‚ãム‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ›áÔã j. The Boards of SBI and SBI Capital Markets Ltd.
(SBICAP) have approved takeover of SBICAP
ãäÊã. (†Ôãºããè‚ãデãõŠ¹ã) ‡ãñŠ ºããñ¡ãô ¶ãñ †Ôãºããè‚ãム´ãÀã †Ôãºããè‚ãム‡ãõŠ¹ã
Securities Limited (SSL) by SBI as its subsidiary
ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊããä½ã›ñ¡ (†Ôã†Ôã†Êã) ‡ãŠã †Ôã†Ôã†Êã ‡ãŠãè Íãñ¾ãÀ£ãããäÀ¦ãã from SSL's holding company - SBICAP, subject
ÌããÊããè ‡ã⊹ã¶ããè - †Ôãºããè‚ãム‡ãõŠ¹ã Ôãñ ‚ã¹ã¶ããè ‚ã¶ãìÓãâØããè ‡ãñŠ ¹㠽ãò ‚ããä£ãØãÆÖ¥ã to necessary regulatory approval.
‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ã¶ãì½ããñª¶ã ¹ãƪã¶ã ãä‡ãŠ¾ãã Öõ, ¹ãÀ ƒÔã‡ãñŠ ãäÊㆠ‚ããÌã;ã‡ãŠ
1.3 Two of the associates - Bank of Bhutan (Gregorian
ãä¶ã¾ãã½ã‡ãŠ ‚ã¶ãì½ããñª¶ã ¹ãÆ㹦㠇ãŠÀ¶ãã ÖãñØããý
Calendar Year) and Nepal SBI Bank Ltd (Hindu
1.3 ºãö‡ãŠ Ôã½ãîÖ ‡ãñŠ ªãñ ÔãÖ¾ããñØããè-ºãö‡ãŠ ‚ããù¹ãŠ ¼ãî›ã¶ã (ØãÆñØãñãäÀ¾ã¶ã ‡ãŠÊãò¡À ÌãÓãÃ) Calendar Year) follow accounting years different from
that of the parent. Accordingly, the financial
‚ããõÀ ¶ãñ¹ããÊã †Ôã ºããè ‚ããƒÃ ºãö‡ãŠ ãäÊã. (ãäÖ¶ªî ‡ãŠÊãò¡À ÌãÓãÃ) ¹ãõÀò› ºãö‡ãŠ Ôãñ ãä¼ã¸ã
statements of these associates are made as of
ÊãñŒãã ÌãÓãà ‡ãŠã ‚ã¶ãì¹ããÊã¶ã ‡ãŠÀ¦ãñ Ööý ¦ãª¶ãìÔããÀ „¶ã‡ãñŠ ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ‰ãŠ½ãÍã: 31st December 2008 and 15th July 2008 respectively.
31 ãäªÔãâºãÀ 2008 ‚ããõÀ 15 •ãìÊããƒÃ 2008 ‡ãŠãñ ¦ãõ¾ããÀ ãä‡ãŠ† Øã†ý
2. Share Capital:
2. Íãñ¾ãÀ ¹ãîâ•ããè : 2.1 The parent has kept in abeyance the allotment of
88,278 Equity Shares of Rs.10/- each issued as
2.1 ½ãîÊã ºãö‡ãŠ ¶ãñ Á. 10 ½ãîʾ㠇ãñŠ 88,278 ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠã ‚ããºã⛶ã
part of Rights Issue last year, since they are subject
Àãñ‡ãñŠ ÀŒãã ý ¾ãñ Íãñ¾ãÀ ãäÌãØã¦ã ÌãÓãà ÀホáÔ㠃;ãî ‡ãñŠ ‚ãâ¦ãØãæ㠕ããÀãè ãä‡ãŠ† matter of title disputes or are subjudice.
Øㆠ©ãñý ƒ¶Öò և㊠‡ãñŠ ãäÌãÌããªØãÆÔ¦ã Öãñ¶ãñ ¾ãã ¶¾ãããä¾ã‡ãŠ ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ ‚ã£ããè¶ã
2.2 During the year, the parent has issued 34,09,846
Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã Àãñ‡ãñŠ ÀŒãã Øã¾ããý
equity shares of Rs. 10/- each for cash at a
2.2 ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ½ãîÊã ºãö‡ãŠ ¶ãñ Á.10/- ¶ã‡ãŠªãè ½ãîʾ㠇ãñŠ 34,09,846 premium of Rs. 1580/- per equity share i.e. at
Rs. 1590/- per equity share aggregating to
ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ Á.1580/- ¹ãÆãä¦ã Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã ¹ãÀ, Á.1590/-
Rs. 542.17 crores to its employees under SBI
¹ãÆãä¦ã Íãñ¾ãÀ ‡ãŠãè ªÀ Ôãñ, Á. 542.17 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãìŠÊã ÀããäÍã ¹ãÀ ‚ã¹ã¶ãñ Employees Share Purchase Scheme - 2008 (SBI
‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ †Ôãºããè‚ããƒÃ ‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã ¾ããñ•ã¶ãã 2008 ESPS - 2008). The issue of equity shares under
(†Ôãºããè‚ããƒÃƒÃ†Ôã¹ããè†Ôã-2008) ‡ãñŠ ‚ãâ¦ãØãæã ÀホáÔã ‡ãñŠ ¹㠽ãò •ããÀãèè SBI ESPS-2008 has been accounted in accordance
ãä‡ãŠ†. †Ôãºããè‚ããƒÃƒÃ†Ôã¹ããè†Ôã-2008 ‡ãñŠ ‚ãâ¦ãØãæ㠃ãä‡ã‹Ìã›ãè Íãñ¾ãÀ ãä¶ãØãýã with SEBI (Employee Stock Option Scheme and
Employee Stock Purchase Scheme) guidelines
Ôãñºããè (‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ãäÌã‡ãŠÊ¹ã ¾ããñ•ã¶ãã ‚ããõÀ ‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã
1999. Accordingly, an amount of Rs 21.41 crores
¾ããñ•ã¶ãã) ãäªÍãããä¶ãªóÍã 1999 ‡ãñŠ ‚ã¶ãìÔããÀ ÊãñŒãñ ½ãò ãäÊã¾ãã Øã¾ãã Öõý has been charged as employee expenses and
¦ãª¶ãìÔããÀ Á. 21.41 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍ㠇㊽ãÃÞããÀãè ŒãÞãà ‡ãñŠ ¹㠽ãò transferred to Share Premium Account.
Íãããä½ãÊã ‡ãŠãè ØãƒÃ Öõ ‚ããõÀ Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã Œãã¦ãñ ½ãò ‚ãâ¦ããäÀ¦ã ‡ãŠãè ØãƒÃ Öõý
2.3 The Government of India had, during the year
ended 31.03.08, subscribed to 6,28,68,000 Equity
2.3 ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ 31.03.2008 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã Á. 10/-
Shares of Rs.10/- each at a premium of Rs.1580/-
¹ãÆãä¦ã Íãñ¾ãÀ ‚ããõÀ Á. 1580/- ¹ãÆãä¦ã Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã ‡ãñŠ 6,28,68,000 per share as part of Rights Offer of the bank. The
ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ ºãö‡ãŠ ‡ãñŠ ÀホáÔã ‚ããù¹ãŠÀ ‡ãñŠ ‚ãâ¦ãØãæ㠂ãâÍã ÔÌã¹ã Government of India has discharged the total
ØãÆÖ¥ã ãä‡ãŠ†ý ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ ‡ãìŠÊã Á. 9996.01 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã consideration of Rs.9996.01 crores by issue of
‡ãñŠ ¼ãìØã¦ãã¶ã ‡ãñŠ ãäÊㆠ""8.35% †Ôã ºããè‚ãムÀホáÔ㠃;ãî - ¼ããÀ¦ã "8.35% SBI Rights Issue GOI Special Bonds 2024".
ÔãÀ‡ãŠãÀ ãäÌãÍãñÓã ºã㥡Ôãá 2024'' ‡ãŠãñ •ããÀãè ãä‡ãŠ¾ããý ƒ¶ã ºããâ¡ãò ‡ãŠãè Certain restrictions have been placed by the
Government on the sale of these bonds.
ãäºã‰ãŠãè ¹ãÀ ÔãÀ‡ãŠãÀ ´ãÀã ‡ãŠãä¦ã¹ã¾ã ¹ãÆãä¦ãºãâ£ã ÊãØãㆠØㆠÖöý

192

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2.4 ‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã ¾ããñ•ã¶ãã 2008 ‡ãñŠ ‚㶦ãØãæ㠃Ããä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãñŠ 2.4 Expenses in relation to the issue of Equity Shares
ãä¶ãØãýã¶ã Ôãñ Ôãâºãâãä£ã¦ã ̾ã¾ã ‡ãŠãè ÀããäÍã Á. 1.21 ‡ãŠÀãñü¡ ‡ãŠãñ Íãñ¾ãÀ under the Employees Share Purchase Scheme
2008 amounting to Rs.1.21 crores is debited to
¹ãÆãèãä½ã¾ã½ã Œãã¦ãñ ½ãò ¶ãã½ãñ ãä‡ãŠ¾ãã Øã¾ãã Öõý
Share Premium Account.
3. ÊãñŒãã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãƇ㊛ãè‡ãŠÀ¥ã: 3. Disclosures as per Accounting Standards:

3.1 ÊãñŒãã‡ãŠÀ¥ã ¶ããèãä¦ã ½ãò ¹ããäÀÌã¦ãöã: 3.1 Change in Accounting Policy:

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò ãä‡ãŠ† ØㆠÔÌã¦ãâ¨ã ÌããÔ¦ããäÌã‡ãŠ SBI has been making annual contribution to the
½ãîʾããâ‡ãŠ¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ¶¾ãããäÔã¾ããò ´ãÀã ÔãâÞãããäÊã¦ã ¹ãòÍã¶ã ãä¶ããä£ã ½ãò pension fund administered by trustees based on
ÌãããäÓãÇ㊠‚ãâÍãªã¶ã ‡ãŠÀ¦ãã ÀÖã Öõ. †Ôãºããè‚ãム¹ãòÍã¶ã ãä¶ããä£ã ãä¶ã¾ã½ããò an independent actuarial valuation carried out
‡ãñŠ ‚ã¶ãìÔããÀ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ½ãîÊã Ìãñ¦ã¶ã ‡ãŠãè ÀããäÍã ‡ãŠã 10% at the year end. SBI has decided to make its
¹ãòÍã¶ã ãä¶ããä£ã ½ãò ‚ã¹ã¶ãã ‚ãâÍãªã¶ã ‡ãŠÀ¶ãñ ‡ãŠã ãä¶ã¥ãþã ãäÊã¾ãã Öõý contribution to the Pension Fund at 10% of the
ÌããÔ¦ããäÌã‡ãŠ ªñ¾ã¦ãã ‡ãñŠ ‚ã¶ãìÔããÀ ÍãñÓãÀããäÍã ‡ãñŠ ãäÊㆠ¹ãî¥ãà ¹ãÆãÌã£ãã¶ã basic salary in term of SBI Pension Fund Rules.
‡ãŠÀ ãäÊã¾ãã Øã¾ãã Öõ ‚ããõÀ ¹ãòÍã¶ãÀãò ‡ãñŠ ¹ãÆãä¦ã ãä¶ã¹ã›ã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠThe balance amount as per actuarial liability is
„Ôãñ †‡ãŠ ãäÌãÍãñÓã ¹ãÆãÌã£ãã¶ã Œãã¦ãñ ½ãò ÀŒãã Øã¾ãã Öõý fully provided for and kept in a special provision
account for settlement to pensioners.
ƒÔã ¹ããäÀÌã¦ãö㠇ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹ã Á. 508 ‡ãŠÀãñü¡ ‡ãŠãè ‚ããÔ©ããäØã¦ã ‡ãŠÀ
‚ãããäÔ¦ã¾ããò ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¶ãñ ‡ãñŠ ºã㪠‡ãŠÀ ¹ãÍÞãã¦ã Êãã¼ã ½ãò Á. 296 Consequent to this change the profit after tax has
gone up by Rs.296 crores after considering the
‡ãŠÀãñü¡ ‡ãŠãè Ìãðãä® ÖìƒÃ Öõý
deferred tax assets of Rs. 508 crores.
3.2 ‡ãŠ½ãÃÞããÀãè - ãäÖ¦ãÊãã¼ã: 3.2. Employee Benefits:
3.2.1 ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ¾ããñ•ã¶ãã†ú 3.2.1 Defined Benefit Plans
ãä¶ã½¶ã ¦ãããäÊã‡ãŠã ½ãò ÊãñŒãã ½ãã¶ã‡ãŠ-15 (ÔãâÍããñãä£ã¦ã 2005) ‡ãŠãè The following table sets out the status of the
‚ã¹ãñàãã¶ãìÔããÀ ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã ‚ããõÀ ØãÆñÞ¾ãì›ãè ¾ããñ•ã¶ãã ‡ãŠãè defined benefit Pension Plan and Gratuity Plan
ãäÔ©ããä¦ã ¹ãƪãäÍãæã Öõ : as required under AS 15 (Revised 2005) :

ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã†ú ØãÆñÞ¾ãì›ãè Particulars Pension Plans Gratuity

ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà CY PY CY PY

Change in the present value of the
ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã - ªããä¾ã¦Ìã ‡ãñŠ Ìã¦ãýãã¶ã defined benefit obligation
½ãîʾ㠽ãò ¹ããäÀÌã¦ãöã Opening defined benefit
1 ‚ã¹ãÆõÊã 2008 ‡ãŠãñ ¹ãÆãÀâãä¼ã‡ãŠ obligation at 1st April 2008 21387.5 20189.82 4887.04 4800.07
ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã ªããä¾ã¦Ìã 21387.5 20189.82 4887.04 4800.07 Current Service Cost 1135.57 654.17 223.69 195.36
Ìã¦ãýãã¶ã ÔãñÌãã ÊããØã¦ã 1135.57 654.17 223.69 195.36 Interest Cost 1684.31 1637.57 380.67 387.15
º¾ãã•ã ÊããØã¦ã 1684.31 1637.57 380.67 387.15 Actuarial losses (gains) 1073.85 149.72 (138.88) (99.27)
ÌããÔ¦ããäÌã‡ãŠ Öããä¶ã¾ããú (Êãã¼ã) 1073.85 149.72 (138.88) (99.27) Benefits paid (1272.52) (1243.78) (284.46) (396.27)
¹ãƪ§ã ãäÖ¦ãÊãã¼ã (1272.52) (1243.78) (284.46) (396.27) Closing defined benefit obligation at
31 ½ããÞãà 2009 ‡ãŠãñ ãä¶ã¾ã¦ã ãäÖ¦ãÊãã¼ã 31st March 2009 24008.71 21387.5 5068.06 4887.04
ªããä¾ã¦Ìã ‡ãŠã ƒãä¦ãÍãñÓã 24008.71 21387.5 5068.06 4887.04 Change in Plan Assets
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ½ãò ¹ããäÀÌã¦ãöã Opening fair value of plan assets at
1 ‚ã¹ãÆõÊã 2008 ‡ãŠãñ ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò 1st April 2008 16666.34 15263.37 4739.10 4599.59
‡ãŠã ‚ããÀâãä¼ã‡ãŠ „ãäÞã¦ã ½ãîʾã 16666.34 15263.37 4739.10 4599.59 Expected Return on Plan assets 1232.78 1223.28 367.64 354.87
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãƦ¾ãããäÍã¦ã ¹ãÆãä¦ãÊãã¼ã 1232.78 1223.28 367.64 354.87 Contributions by employer 508.58 1354.95 41.39 129.82
ãä¶ã¾ããñ•ã‡ãŠ ‡ãŠã ‚ãâÍãªã¶ã 508.58 1354.95 41.39 129.82 Benefit Paid (1272.52) (1243.78) (284.46) (396.27)
¹ãƪ§ã ãäÖ¦ãÊãã¼ã (1272.52) (1243.78) (284.46) (396.27) Actuarial Gains 231.81 68.52 16.69 51.09
ÌããÔ¦ããäÌã‡ãŠ Êãã¼ã 231.81 68.52 16.69 51.09 Closing fair value of plan assets at
31 ½ããÞãà 2009 ‡ãŠãñ ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ‡ãñŠ 31st March 2009 17366.99 16666.34 4880.36 4739.1
„ãäÞã¦ã ½ãîʾ㠇ãŠã ƒãä¦ãÍãñÓã 17366.99 16666.34 4880.36 4739.1 Reconciliation of present value
ªããä¾ã¦Ìã ‡ãñŠ Ìã¦ãýãã¶ã ½ãîʾ㠦ã©ãã ¾ããñ•ã¶ãã of the obligation and fair value
‚ãããäÔ¦ã¾ããò ‡ãñŠ „ãäÞã¦ã ½ãîʾ㠇ãŠã Ôã½ãã£ãã¶ã of the plan assets

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ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã†ú ØãÆñÞ¾ãì›ãè Particulars Pension Plans Gratuity

ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà CY PY CY PY
31 ½ããÞãà 2009 ‡ãŠãñ ãä¶ããä£ã‡ãŠ ªããä¾ã¦Ìã ‡ãŠã Present Value of Funded obligation
Ìã¦ãýãã¶ã ½ãîʾã 24008.71 21387.5 5068.06 4887.04 at 31st March 2009 24008.71 21387.5 5068.06 4887.04
Fair Value of Plan assets at
31 ½ããÞãà 2009 ‡ãŠãñ ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò 31st March 2009 17366.99 16666.34 4880.36 4739.1
‡ãŠã „ãäÞã¦ã ½ãîʾã 17366.99 16666.34 4880.36 4739.1 Deficit/(Surplus) 6641.72 4721.16 187.7 147.94
‡ãŠ½ããè/ (‚ããä£ãÍãñÓã ) 6641.72 4721.16 187.7 147.94 Unrecognised Past Service Cost Nil Nil Nil Nil
ÊãñŒãñ ½ãñ ¶ãÖãé Êããè ØãƒÃ ãäÌãØã¦ã ÔãñÌãã ÊããØã¦ã ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ ãä¶ãÀâ‡ãŠ Net Liability/(Asset ) 6641.72 4721.16 187.7 147.94
ãä¶ãÌãÊã ªñ¾ã¦ãã / (‚ãããäÔ¦ã) 6641.72 4721.16 187.7 147.94 Amount Recognised in the
¦ãìÊã¶ã¹ã¨ã ½ãò Êããè ØãƒÃ ÀããäÍã Balance Sheet
ªñ¾ã¦ãã†ú 24008.71 21387.5 5068.06 4887.04 Liabilities 24008.71 21387.5 5068.06 4887.04
‚ãããäÔ¦ã¾ããú 17366.99 16666.34 4880.36 4739.1 Assets 17366.99 16666.34 4880.36 4739.1
¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ãä¶ãÌãÊã ªñ¾ã¦ãã/ (‚ãããäÔ¦ã) 6641.72 4721.16 187.7 147.94 Net Liability / (Asset) recognised in
Balance Sheet 6641.72 4721.16 187.7 147.94
Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã
Net Cost recognised in the profit
ãä¶ãÌãÊã ÊããØã¦ã and loss account
Ìã¦ãýãã¶ã ÔãñÌãã ÊããØã¦ã 1135.57 654.17 223.69 195.36 Current Service Cost 1135.57 654.17 223.69 195.36
º¾ãã•ã ÊããØã¦ã 1684.31 1637.57 380.67 387.15 Interest Cost 1684.31 1637.57 380.67 387.15
¾ããñ•ã¶ãã -‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãƦ¾ãããäÍã¦ã ¹ãÆãä¦ãÊãã¼ã (1232.78) (1223.28) (367.64) (354.87) Expected return on plan assets (1232.78) (1223.28) (367.64) (354.87)
ãä¦ã½ããÖãè ‡ãñŠ ªãõÀã¶ã Íãããä½ãÊã ãä¶ãÌãÊã ºããè½ããâãä‡ãŠ‡ãŠ Net actuarial losses (Gain) recognised
Öããä¶ã¾ããú (Êãã¼ã) 842.04 81.2 (155.57) (150.36) during the year 842.04 81.2 (155.57) (150.36)
ãä¶ã¾ã¦ã ãäÖ¦ã Êãã¼ã ¾ããñ•ã¶ãã‚ããò ‡ãŠãè ‡ãìŠÊã ÊããØã¦ã Total costs of defined benefit plans
‚ã¶ãìÔãîÞããè 16 `‡ãŠ½ãÃÞããÀãè ‡ãŠãñ ¼ãìØã¦ãã¶ã ‚ããõÀ included in Schedule 16 “Payments to
„¶ã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã' ½ãò Íãããä½ãÊã ‡ãŠãè ØãƒÃ Öõ. 2429.14 1149.66 81.15 77.28 and provisions for employees” 2429.14 1149.66 81.15 77.28
Reconciliation of expected return and
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãƦ¾ãããäÍã¦ã ¹ãÆãä¦ãÊãã¼ã actual return on Plan Assets
‚ããõÀ ÌããÔ¦ããäÌã‡ãŠ ¹ãÆãä¦ãÊãã¼ã ‡ãŠã Ôã½ãã£ãã¶ã Expected Return on Plan Assets 1232.78 1223.28 367.64 354.87
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãƦ¾ãããäÍã¦ã ¹ãÆãä¦ãÊãã¼ã 1232.78 1223.28 367.64 354.87 Actuarial Gain/ (loss) on Plan Assets 231.81 68.52 16.69 51.09
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ÌããÔ¦ããäÌã‡ãŠ Êãã¼ã / (Öããä¶ã) 231.81 68.52 16.69 51.09 Actual Return on Plan Assets 1464.59 1291.8 384.33 405.96
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¹ãÀ ÌããÔ¦ããäÌã‡ãŠ ¹ãÆãä¦ãÊãã¼ã 1464.59 1291.8 384.33 405.96 Reconciliation of opening and
¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ãä¶ãÌãÊã ªñ¾ã¦ãã / closing net liability/ (asset)
(‚ãããäÔ¦ã) ‡ãñŠ ¹ãÆãÀâãä¼ã‡ãŠ ‚ããõÀ ‚ãâãä¦ã½ã ÍãñÓã recognised in Balance Sheet
‡ãŠã Ôã½ãã£ãã¶ã Opening Net Liability as at
1 ‚ã¹ãÆõÊã 2008 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ 1st April 2008 4721.16 4926.45 147.94 200.48
Expenses as recognised in profit
ãä¶ãÌãÊã ¹ãÆãÀâãä¼ã‡ãŠ ªñ¾ã¦ãã 4721.16 4926.45 147.94 200.48
and loss account 2429.14 1149.66 81.15 77.28
Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Íãããä½ãÊã ̾ã¾ã 2429.14 1149.66 81.15 77.28
Employers Contribution 508.58 1354.95 41.39 129.82
ãä¶ã¾ããñ‡ã‹¦ãã‚ããò ‡ãŠã ‚ãâÍãªã¶ã 508.58 1354.95 41.39 129.82 Net liability/(Asset) recognised in
¦ãìÊã¶ã¹ã¨ã ½ãò Íãããä½ãÊã ãä¶ãÌãÊã ªñ¾ã¦ãã/(‚ãããäÔ¦ã) 6641.72 4721.16 187.70 147.94 Balance Sheet 6641.72 4721.16 187.70 147.94
Ôã½ãîÖ ‡ãŠãñ ‚ãØãÊãñ ãäÌã§ããè¾ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ã¹ã¶ããè ãä¶ã¾ã¦ã Êãã¼ã ¹ãòÍã¶ã ¾ããñ•ã¶ãã ‚ããõÀ The Group expects to contribute Rs. 1085 crores (Previous
ØãÆñÞ¾ãì›ãè ¾ããñ•ã¶ãã ½ãò ‰ãŠ½ãÍã: Á. 1085 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 822 ‡ãŠÀãñü¡) ¦ã©ãã Year Rs. 822 crores) and Rs. 130 crores (Previous Year
Á. 130 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 113 ‡ãŠÀãñü¡) ‡ãñŠ ‚ãâÍãªã¶ã ‡ãŠãè ‚ããÍãã Öõý Rs. 113 crores) to its defined benefit Pension Plan and
31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ØãÆñÞ¾ãì›ãè ãä¶ããä£ã ‚ããõÀ ¹ãòÍã¶ã ãä¶ããä£ã ‡ãŠãè Gratuity Plan respectively during the next financial year.
¾ããñ•ã¶ãã - ‚ãããäÔ¦ã¾ããò ‡ãñŠ ‚ã£ããè¶ã ãä‡ãŠ† ØㆠãäÌããä¶ã£ãã¶ã ãä¶ã½¶ãã¶ãìÔããÀ Öö: Investments under Plan Assets of Gratuity Fund &
Pension Fund as on 31st March 2009 are as follows:
‚ãããäÔ¦ã¾ããò ‡ãŠãè Ñãñ¥ããè ¹ãòÍã¶ã ãä¶ããä£ã ØãÆñÞ¾ãì›ãè ãä¶ããä£ã
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããñâ ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò Category of Assets Pension Gratuity
‡ãŠã % ‡ãŠã % Fund Fund
‡ãòŠ³ ÔãÀ‡ãŠãÀ ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú 5.79 31.33 % of Plan % of Plan
À㕾ã ÔãÀ‡ãŠãÀ ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú 3.15 20.67 Assets Assets
ÔããÌãÕããä¶ã‡ãŠ àãñ¨ã ‡ãñŠ ºããâ¡ 5.18 33.37 Central Govt. Securities 5.79 31.33
ºãö‡ãŠ ½ãò ãä½ã¾ããªãè •ã½ãã ÀÔããèª/ State Govt. Securities 3.15 20.67
Public Sector Bonds 5.18 33.37
ÔããÌããä£ã •ã½ãã ÀÔããèª 3.79 3.64
FDR / TDR with Bank 3.79 3.64
ºãö‡ãŠ ‡ãŠãè •ã½ããÀããäÍã¾ããú 80.72 6.34 Bank Deposits 80.72 6.34
‚㶾ã 1.37 4.65 Others 1.37 4.65
¾ããñØã 100.00 100.00 Total 100.00 100.00

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C194 K194
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

Ôã½ãîÖ ½ãò ÀŒãñ Øㆠ„¹ãÀãñ‡ã‹¦ã ãäÌããä¶ã£ãã¶ããò ½ãò Ôãñ ãä¶ã½¶ããäÊããäŒã¦ã Ôã½ãîÖ ´ãÀã £ãããäÀ¦ã Öö : Out of the above investments following are held with the
group;
‚ãããäÔ¦ã¾ããò ‡ãŠãè Ñãñ¥ããè ¹ãòÍã¶ã ¹ã⊡ ØãÆñÞ¾ãì›ãè ¹ã⊡ Category of Assets Pension Gratuity
¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò ¾ããñ•ã¶ãã ‚ãããäÔ¦ã¾ããò Fund Fund
‡ãŠã ¹ãÆãä¦ãÍã¦ã ‡ãŠã ¹ãÆãä¦ãÍã¦ã % of Plan % of Plan
ºãö‡ãŠ ½ãò †¹ãŠ¡ãè‚ããÀ/›ãè¡ãè‚ããÀ Assets Assets
‚ããõÀ ºãö‡ãŠ •ã½ãã†â 81.45% 6.45% FDR / TDR with Bank &
Bank Deposits 81.45% 6.45%
¹ãƽãìŒã ºããè½ããâãä‡ãŠ‡ãŠ ¹ãÆã‡ã‹‡ãŠÊã¶ã :
Principal actuarial assumptions;
ãäÌãÌãÀ¥ã ¹ãòÍã¶ã ‚ããõÀ ØãÆñÞ¾ãì›ãè ¾ããñ•ã¶ãã†ú
Particulars Pension and Gratuity Plans
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãÃ
Current Previous
ºã›á›ã ªÀ 7.25% Ôãñ 7.75% 7.75% Ôãñ 8% year year
¾ããñ•ã¶ãã ‚ãããäԦ㠹ãÀ ¹ãÆãä¦ãÊãã¼ã ‡ãŠãè
Discount Rate 7.25% to 7.75% 7.75% to 8%
¹ãƦ¾ãããäÍã¦ã ªÀ 7.50% Ôãñ 8% 7.50% Ôãñ 8% Expected Rate of return
Ìãñ¦ã¶ã Ìãðãä® 5% Ôãñ 13% 4% Ôãñ 13% on Plan Asset 7.50% to 8% 7.50% to 8%
Salary Escalation 5% to 13% 4% to 13%
¼ããÌããè Ìãñ¦ã¶ã Ìãðãä® ‡ãŠã ¹ãîÌããöãì½ãã¶ã, ÌããÔ¦ããäÌã‡ãŠ ½ãîʾã¶ã ‡ãŠã ¹ãÆãä¦ã¹ãŠÊã¶ã, The estimates of future salary growth, factored in
½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠã Ôã½ããÌãñÍã¶ã, ÌããäÀÓŸ¦ãã, ¹ãªãñ¸ããä¦ã ¦ã©ã㠂㶾ã Ô㽺㮠‡ãŠãÀ¥ããò actuarial valuation, take account of inflation,
¾ã©ãã ãä¶ã¾ããñ•ã¶ã - ºãã•ããÀ ½ãò ‚ãã¹ãîãä¦ãà ‚ããõÀ ½ããâØã ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ seniority, promotion and other relevant factors
ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒÔã ¹ãƇãŠãÀ ‡ãñŠ ‚ã¶ãì½ãã¶ã ÔãìªãèÜãà ‚ãÌããä£ã ‡ãñŠ ãäÊㆠÖõâ ‚ããõÀ such as supply and demand in the employment
market. Such estimates are very long term and are
‚ã¦ããè¦ã ‡ãñŠ Ôããèãä½ã¦ã ‚ã¶ãì¼ãÌã /Ôããä¸ã‡ãŠ› ¼ããäÌãӾ㠇ãŠãè ‚ã¹ãñàãã‚ããò ¹ãÀ ‚ãã£ãããäÀ¦ã not based on limited past experience / immediate
¶ãÖãé Ööý ‚ã¶ãì¼ãÌã•ã¶¾ã Ôããà¾ã ¼ããè ¾ãÖãè Ôãâ‡ãñŠ¦ã ‡ãŠÀ¦ãñ Öö ãä‡ãŠ ªãèÜãà ‚ãÌããä£ã future. Empirical evidence also suggests that in
‡ãñŠ ªãõÀã¶ã - Ôã¦ã¦ãá „ÞÞã Ìãñ¦ã¶ãÌãðãä® ‡ãŠÀ¦ãñ ÀÖ¶ãã Ôãâ¼ãÌã ¶ãÖãé Öõý very long term, consistent high salary growth
rates are not possible. The auditors have
ÊãñŒãã¹ãÀãèàã‡ãŠãò ¶ãñ ƒÔã ¹ãÆÔãâØã ½ãò ºãö‡ãŠ ´ãÀã ãä‡ãŠ† Øㆠ¹ãÆãä¦ãÌãñª¶ã ¹ãÀ
relied upon the representation made by the Bank
¼ãÀãñÔãã ãä‡ãŠ¾ãã Öõý in this behalf.
3.2.2 ‡ãŠ½ãÃÞããÀãè ¼ããäÌãÓ¾ã ãä¶ããä£ã 3.2.2 Employees Provident Fund

¼ããÀ¦ããè¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ ÔãâÔ©ãã¶ã ‡ãñŠ ÊãñŒãã ½ãã¶ã‡ãŠ ºããñ¡Ã ´ãÀã ÔãâÍããñãä£ã¦ã In terms of the guidance on implementing the
AS-15 (Revised 2005) issued by the Institute of the
ÊãñŒãã ½ãã¶ã‡ãŠ-15 (ÔãâÍããñãä£ã¦ã 2005) ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã Ôãâºãâ£ããè ãäªÍãã-
Chartered Accountants of India, the Employees
ãä¶ãªóÍããò ‡ãñŠ Ôã⪼ãà ½ãò, ºãö‡ãŠ ´ãÀã Ô©ãããä¹ã¦ã ‡ãŠ½ãÃÞããÀãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ãä¶ã¾ã¦ã Provident Fund set up by the Bank is treated as
Êãã¼ã ¾ããñ•ã¶ãã ‡ãŠãè ¹ããäÀãä£ã ½ãò ‚ãã†Øã㠇㋾ããòãä‡ãŠ ºãö‡ãŠ ‡ãŠãñ ãä¶ã£ããÃãäÀ¦ã ¶¾ãî¶ã¦ã½ã a defined benefit plan since the Bank has to meet
¹ãÆãä¦ãÊãã¼ã ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãã Öõý ÌãÓãà ‡ãñŠ ‚ãâ¦ã ½ãò †ñÔããè ‡ãŠãñƒÃ ‡ãŠ½ããè ¶ãÖãé ºãÞããè the specified minimum rate of return. As at the
year end, no shortfall remains unprovided for.
©ããè ãä•ãÔã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öãñý ¦ãª¶ãìÔããÀ, ¼ããäÌãÓ¾ã ãä¶ããä£ã
Accordingly, other related disclosures in respect of
‡ãñŠ Ôãâºãâ£ã ½ãò ‚㶾ã Ôãâºãâãä£ã¦ã ¹ãƇ㊛ãè‡ãŠÀ¥ããò ‡ãŠã „ÊÊãñŒã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Provident Fund have not been made and an amount
Öõý Á.394.59 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á.546.01 ‡ãŠÀãñü¡) ‡ãŠãè ÀããäÍã ‡ãŠãñ of Rs.394.59 crores (Previous Year Rs.546.01 crores)
Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò `‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãñŠ ¼ãìØã¦ãã¶ã ‚ããõÀ „¶ã‡ãñŠ ãäÊㆠis recognised as an expense towards the Provident
Fund scheme of the group included under the head
¹ãÆãÌã£ãã¶ã' ÍããèÓãà ‡ãñŠ ‚ãâ¦ãØãæã Íãããä½ãÊã ºãö‡ãŠ ‡ãŠãè ¼ããäÌãÓ¾ã ãä¶ããä£ã ¾ããñ•ã¶ãã ¹ãÀ "Payments to and provisions for employees" in
ãä‡ãŠ† Øㆠ̾ã¾ã ‡ãñŠ ¹㠽ãò ªÍããþãã Øã¾ãã Öõý Profit and Loss Account.

3.2.3 ‚㶾㠪ãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ã 3.2.3 Other Long term Employee Benefits

Á. 68.04 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 205.99 ‡ãŠÀãñü¡) ‡ãŠãè ÀããäÍã ‡ãŠãñ Êãã¼ã Amount of Rs. 68.04 crores (Previous Year Rs.205.99
crores) is recognised as an expense towards Long
‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò `‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ ¼ãìØã¦ãã¶ã ‚ããõÀ „¶ã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã'
term Employee Benefits included under the head
ÍããèÓãà ‡ãñŠ ‚㶦ãØãæã Íãããä½ãÊã ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè ãäÖ¦ãÊãã¼ããò ¹ãÀ ãä‡ãŠ† Øㆠ"Payments to and provisions for employees" in Profit
̾ã¾ã ‡ãñŠ ¹㠽ãò ªÍããþãã Øã¾ãã Öõý and Loss account.

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WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ãäÌããä¼ã¸ã ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè-ãäÖ¦ãÊãã¼ã ¾ããñ•ã¶ãã ‡ãñŠ ãäÊㆠãä‡ãŠ† Details of Provisions made for various long Term
Employees' Benefits during the year;
Øㆠ¹ãÆãÌã£ãã¶ããò ‡ãŠã ãäÌãÌãÀ¥ã :
Sl. Long Term Current Previous
‰ãŠ½ã ªãèÜããÃÌããä£ã ‡ãŠ½ãÃÞããÀãè - ãäÖ¦ãÊãã¼ã ÞããÊãî ãä¹ãœÊãã No. Employees' Benefits Year Year
Ôãâ. ÌãÓãà ÌãÓãà 1 Privilege Leave (Encashment)
1 ÔãñÌãããä¶ãÌãðã䦦㠇ãñŠ Ôã½ã¾ã ‚ãÌã‡ãŠãÍã ¶ã‡ãŠªãè‡ãŠÀ¥ã incl. leave encashment at the
time of retirement 35.21 133.25
‡ãñŠ Ôãã©ã ‚ããä•ãæ㠂ãÌã‡ãŠãÍã ‡ãŠã ¶ã‡ãŠªãè‡ãŠÀ¥ã 35.21 133.25
2 Leave Travel and
2 ‚ãÌã‡ãŠãÍã ¾ãã¨ãã ‚ããõÀ ØãðÖ ¾ãã¨ãã ãäÀ¾ãã¾ã¦ã Home Travel Concession
(¶ã‡ãŠªãè‡ãŠÀ¥ã / ‚ã•ãöã) 15.52 40.64 (Encashment/Availment) 15.52 40.64
3 Áإ㠂ãÌã‡ãŠãÍã (3.80) 23.74 3 Sick Leave (3.80) 23.74
4 À•ã¦ã •ãâ¾ã¦ããè ‚ãÌãã¡Ã (4.23) 5.01 4 Silver Jubilee Award (4.23) 5.01
5 ‚ããä£ãÌããäÓãæãã ¹ãÀ ¹ãì¶ããä¶ãùã›ã¶ã ̾ã¾ã 4.18 5.28 5 Resettlement Expenses
on Superannuation 4.18 5.28
6 ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãÌã‡ãŠãÍã 5.74 (2.02) 6 Casual Leave 5.74 (2.02)
7 ÔãñÌãããä¶ãÌãðã䦦㠂ãÌãã¡Ã 15.42 0.09 7 Retirement Award 15.42 0.09
¾ããñØã 68.04 205.99 Total 68.04 205.99
3.3 Œãâ¡ ÔãîÞã¶ãã (•ãõÔãñ ¹ãƺãâ£ã¶ã ´ãÀã Ôãâ‡ãŠãäÊã¦ã ‚ããõÀ ÊãñŒãã ¹ãÀãèàã‡ãŠãò 3.3 Segment Reporting (As complied by management
´ãÀã ÔÌããè‡ãŠãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõ) and relied upon by the auditors)

3.3.1 Œãâ¡ ‚ããä¼ããä¶ã£ããÃÀ¥ã 3.3.1 Segment identification

‡ãŠ) ¹ãÆã©ããä½ã‡ãŠ (̾ãÌãÔãã¾ã Œãâ¡) A) Primary (Business Segment)

ãä¶ã½¶ããâãä‡ãŠ¦ã Œãâ¡ãò ‡ãŠã ‚ããä¼ããä¶ã£ããÃÀ¥ã/¹ãì¶ãÌãÃØããê‡ãŠÀ¥ã ¹ãÆã©ããä½ã‡ãŠ Œãâ¡ãò The following are the Primary Segments of
the Group:
‡ãñŠ ¹㠽ãò ãä‡ãŠ¾ãã Öõý
– Treasury
- ‡ãŠãñÓã
– Corporate / Wholesale Banking
- ‡ãŠãÀ¹ããñÀñ› / ©ããñ‡ãŠ ºãöãä‡ãâŠØã
– Retail Banking
- ŒãìªÀã ºãöãä‡ãâŠØã
– Other Banking Business
- ‚㶾㠺ãöãä‡ãâŠØã ̾ãÌãÔãã¾ã
The present accounting and information system of the
ºãö‡ãŠ ‡ãŠãè Ìã¦ãýãã¶ã ÊãñŒãã-ãä¶ã£ããÃÀ¥ã ‚ããõÀ ÔãîÞã¶ãã ¹ã®ãä¦ã ½ãò „¹ãÀãñ‡ã‹¦ã Œãâ¡ãò Bank does not support capturing and extraction of the
Ôãñ Ô㽺㮠‚ããâ‡ãŠü¡ã ÔãâØãÆ֥㠂ããõÀ ãä¶ãÓ‡ãŠÓãå㠇ãŠãè ¹ãð©ã‡ãŠá ¹ãÆãä‰ãŠ¾ãã data in respect of the above segments separately.
Ôããä½½ããäÊã¦ã ¶ãÖãé Öõý ¦ã©ãããä¹ã, ãäÀ¹ããñ›Ã ‡ãŠÀ¶ãñ ‡ãŠãè Ìã¦ãýãã¶ã ÔãâØ㟶ã㦽ã‡ãŠ However, based on the present internal organisational
and management reporting structure and the nature of
‚ããõÀ ¹ãƺãâ£ã‡ãŠãè¾ã ÔãâÀÞã¶ãã, „¶ã½ãò Ôããä¸ããä֦㠕ããñãäŒã½ã ‚ããõÀ ¹ãÆãä¦ãÊãã¼ã ‡ãñŠ their risk and returns, the data on the Primary
‚ãã£ããÀ ¹ãÀ Ìã¦ãýãã¶ã ½ãîÊã - Œãâ¡ãò ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãŠãñ ãä¶ã½¶ãÌã¦ã ¹ãì¶ãÔãýãîãäÖ¦ã Segments have been computed as under:
ãä‡ãŠ¾ãã Øã¾ãã Öõ: a) Treasury: The Treasury Segment includes the
entire investment portfolio and trading in foreign
‡ãŠ) ‡ãŠãñÓã: ‡ãŠãñÓã Œãâ¡ ½ãò Ôã½ãÔ¦ã ãäÌããä¶ã£ãã¶ã ¹ããñ›¹Ã ãŠãñãÊä ã¾ããñ ‚ããõÀ ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã
exchange contracts and derivative contracts. The
‚ããõÀ ¡ñÀãèÌãñã›ä ÌÔã ÔãâãÌä ãªã†â Íãããä½ãÊã Ööý ‡ãŠãñÓã Œãâ¡ ‡ãŠãè ‚ãã¾ã ½ãîÊã¦ã: ̾ãã¹ããÀ revenue of the treasury segment primarily consists
- ¹ããäÀÞããÊã¶ããò ‡ãñŠ Íãìʇ㊠‚ããõÀ ƒÔãÔãñ Öãñ¶ãñ ÌããÊãñ Êãã¼ã / Öããä¶ã ¦ã©ãã ãäÌããä¶ã£ãã¶ã of fees and gains or losses from trading operations
¹ããñ›¹Ã ãŠãñãÊä ã¾ããñ ‡ãŠãè º¾ãã•ã ‚ãã¾ã ¹ãÀ ‚ãã£ãããäÀ¦ã Öõý and interest income on the investment portfolio.

b) Corporate / Wholesale Banking: The Corporate /

Œã) ‡ãŠãÀ¹ããñÀñ› / ©ããñ‡ãŠ ºãöãä‡ãâŠØã: Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæ㠇ãŠãÀ¹ããñÀñ› ÊãñŒãã Wholesale Banking segment comprises the lending
Ôã½ãîÖ, ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› ÊãñŒãã Ôã½ãîÖ ‚ããõÀ ¦ã¶ããÌãØãÆԦ㠂ãããäÔ¦ã Ôã½ãîÖ activities of Corporate Accounts Group, Mid
‡ãŠãè ¨ãÉ¥ã - Øããä¦ããäÌããä£ã¾ããú Ôããä½½ããäÊã¦ã Ööý ƒ¶ã‡ãñŠ ´ãÀã ‡ãŠãÀ¹ããñÀñ› ‚ããõÀ Corporate Accounts Group and Stressed Assets
Management Group. These include providing loans
ÔãâÔ©ããØã¦ã ØãÆãÖ‡ãŠãò ‡ãŠãñ ¨ãɥ㠂ããõÀ Êãñ¶ã-ªñ¶ã ÔãñÌãã†ú ¹ãƪã¶ã ‡ãŠãè •ãã¦ããè Ööý
and transaction services to corporate and
ƒ¶ã‡ãñŠ ‚ãâ¦ãØãæã ãäÌãªñÍã ãäÔ©ã¦ã ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ØãõÀ - ‡ãŠãñÓã ¹ããäÀÞããÊã¶ã ¼ããè institutional clients and further include non
Íãããä½ãÊã Ööý treasury operations of foreign offices.

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WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

Øã) ŒãìªÀã ºãöãä‡ãâŠØã: ŒãìªÀã ºãöãä‡ãâŠØã Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæã ÀãÓ›Èãè¾ã ºãöãä‡ãâŠØã c) Retail Banking: The Retail Banking Segment
comprises of branches in National Banking Group,
Ôã½ãîÖ ‡ãŠãè ÍããŒãã†ú ‚ãã¦ããè Ööý ƒ¶ã ÍããŒãã‚ããò ‡ãñŠ ‡ãŠã¾ãÇãŠÊãã¹ããò ½ãò ÀãÓ›Èãè¾ã which primarily includes personal Banking
ºãöãä‡ãâŠØã Ôã½ãîÖ Ôãñ Ô㽺㮠‡ãŠãÀ¹ããñÀñ› ØãÆãÖ‡ãŠãò ‡ãŠãñ ¨ãɥ㠄¹ãÊ㺣㠇ãŠÀã¶ãñ activities including lending activities to corporate
ÔããäÖ¦ã - Ìãõ¾ããä‡ã‹¦ã‡ãŠ ºãöãä‡ãâŠØã Øããä¦ããäÌããä£ã¾ããú Íãããä½ãÊã Ööý †•ãòÔããè ̾ãÌãÔãã¾ã customers having Banking relations with branches
in the National Banking Group. This segment also
‚ããõÀ †›ã膽㠼ããè ƒÔããè Ôã½ãîÖ ½ãò ‚ãã¦ãñ Ööý includes agency business and ATM's.
Üã) ‚㶾㠺ãöãä‡ãâŠØã ̾ãÌãÔãã¾ã: •ããñ Œãâ¡ „¹ã¾ãìÇ㋦ã (‡ãŠ) Ôãñ (Øã) ‡ãñŠ ‚ãâ¦ãØãæã d) Other Banking business - Segments not classified
ÌãØããê‡ãðŠ¦ã ¶ãÖãé Öì† Öö „¶Öò ƒÔã ¹ãÆã©ããä½ã‡ãŠ Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæã ÌãØããê‡ãðŠ¦ã under (a) to (c) above are classified under this
primary segment. This segment also includes the
ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒÔã Œãâ¡ ‡ãñŠ ‚ãâ¦ãØãæã Ôã½ãîÖ ‡ãŠãè Ôã¼ããè ØãõÀ ºãöãä‡ãâŠØã operations of all the Non-Banking Subsidiaries/
‚ã¶ãìÓãâãäØã¾ããñâ/Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‡ãŠã ‡ãŠã¾ãÇãŠÊãã¹ã ¼ããè Íãããä½ãÊã Öõý Joint Ventures of the group.
In the case of Banking Subsidiaries who do not have
ãä•ã¶ã ºãöã‡ä ãâŠØã ‚ã¶ãìÓãâãØä ã¾ããò ‡ãŠãè ¹ãƺãâ£ã¶ã ãäÀ¹ããñã›ä ØÄ ã ¹ãÆ¥ããÊããè ¹ãõÀ›ò •ãõÔããè ¶ãÖãèâ Öõ „¶ã‡ãñŠ
the management reporting structure corresponding to
Á.5 ‡ãŠÀãñ ü ¡ Á¹ã¾ãñ Ôãñ …¹ãÀ ‡ãñ Š Ôã¼ããè •ããñ ã ä Œ ã½ããò ‡ãŠãñ ‚ãÊãØã the parent, all the exposures in excess of Rs. 5 crores
‡ãŠÀ ã䪾ãã Øã¾ãã Öõ ‚ããõÀ „¶Öñâ ‡ãŠãÀ¹ããñÀ›ñ /©ããñ‡ãŠ ºãöã‡ä ãâŠØã ½ãò Íãããä½ãÊã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõý have been segregated and included in Corporate/
Wholesale Banking.
Œã) Øããõ¥ã (¼ããõØããñãäÊã‡ãŠ Œãâ¡):
B) Secondary (Geographical Segment):
i) ªñÍããè ¹ããäÀÞããÊã¶ã ‡ãñŠ ‚ãâ¦ãØãæã - ¼ããÀ¦ã ½ãò ¹ããäÀÞãããäÊã¦ã ÍããŒãã†ú/ i) Domestic operations comprise branches and
‡ãŠã¾ããÃÊã¾ã ‚ãã¦ãñ Ööý subsidiaries having operations in India.
ii) Foreign operations comprise branches and
ii) ãäÌãªñÍããè ¹ããäÀÞããÊã¶ã ‡ãñŠ ‚ãâ¦ãØãæã - ¼ããÀ¦ã Ôãñ ºããÖÀ ¹ããäÀÞãããäÊã¦ã subsidiaries having operations outside India
ÍããŒãã†ú/ ‡ãŠã¾ããÃÊã¾ã ¦ã©ãã ¼ããÀ¦ã ½ãò ¹ããäÀÞãããäÊã¦ã Ôã½ãì³¹ããÀãè¾ã ºãöãä‡ãâŠØã and offshore banking units having operations
ƒ‡ãŠãƒ¾ããú ‚ãã¦ããè Ööý in India.
C) Allocation of Expenses, Assets and liabilities
Øã) ̾ã¾ã, ‚ãããäÔ¦ã¾ããò ‚ããõÀ ªñ¾ã¦ãã‚ããò ‡ãŠã ‚ããºã⛶ã:
Expenses of parent incurred at Corporate Centre
‡ãŠãÀ¹ããñÀñ› ‡ãòŠ³ ‡ãŠãè ÔãâÔ©ãã¹ã¶ãã‚ããò ½ãò ãä‡ãŠ† Øㆠ̾ã¾ã •ããñ Ôããè£ãñ ºãöãä‡ãâŠØã establishments directly attributable either to
¹ããäÀÞããÊã¶ã Œãâ¡ ‚ã©ãÌãã ‡ãŠãñÓã ¹ããäÀÞããÊã¶ã Œãâ¡ Ôãñ Ôãâºãâãä£ã¦ã Öö, ¦ãª¶ãìÔããÀ Corporate / Wholesale and Retail Banking
Operations or to Treasury Operations segment,
‚ããºãâã䛦ã ãä‡ãŠ† ØㆠÖöý Ôããè£ãñ Ôãâºãâ£ã ¶ã ÀŒã¶ãñ ÌããÊãñ ̾ã¾ã ¹ãƦ¾ãñ‡ãŠ Œãâ¡
are allocated accordingly. Expenses not directly
‡ãñŠ ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãè Ôã⌾ãã/Ôããè£ãñ Ôãâºãâ£ã ÀŒã¶ãñ ÌããÊãñ ̾ã¾ã ‡ãñŠ ‚ã¶ãì¹ãã¦ã attributable are allocated on the basis of the ratio
‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‚ããâºãã䛦ã ãä‡ãŠ† ØㆠÖöý of number of employees in each segment/ratio
of directly attributable expenses.
3.3.2 Œãâ¡ ãäÀ¹ããñãä›ÄØã ‡ãñŠ ãäÊㆠ‚ã¹ã¶ããƒÃ ØãƒÃ ÊãñŒãã ¶ããèãä¦ã¾ããâ ãä¶ã½¶ããäÊããäŒã¦ã 3.3.2 The accounting policies adopted for segment
‚ããä¦ããäÀ‡ã‹¦ã ¹ãàããò ‡ãñŠ Ôãã©ã ÌãÖãè Öö •ããñ ¹ãõÀò› ‡ãñŠ ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ‡ãŠãñ reporting are in line with the accounting policies
ãäÀ¹ããñ›Ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ã¹ã¶ããƒÃ ØãƒÃ Öö: adopted in the parent's financial statements with
the following additional features:
1) ØãõÀ-ºãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã Œãâ¡ãò ‚ããõÀ ‚㶾㠌ãâ¡ãò ‡ãñŠ ºããèÞã ‚ãâ¦ãÀ 1) Pricing of inter-segment transactions between
Œãâ¡ Êãñ¶ãªñ¶ã ‡ãŠã ½ãîÊã ãä¶ã£ããÃÀ¥ã ºãã•ããÀ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã the Non Banking Operations segment and
Öõý ‡ãŠãñÓã ‚ããõÀ ‚㶾㠺ãöãä‡ãâŠØã ̾ãÌãÔãã¾ã ‡ãñŠ ºããèÞã Êãñ¶ãªñ¶ã ‡ãñŠ Ôãâºãâ£ã other segments are market led. In respect of
transactions between treasury and other banking
½ãò ãä¶ããä£ã¾ããò ‡ãñŠ „¹ã¾ããñØã ‡ãñŠ ãäÊㆠ¹ãÆãä¦ã¹ãîãä¦ãà ‡ãŠãè ÀããäÍã ‡ãŠãè Øã¥ã¶ãã business, compensation for the use of funds
¨ãɥ㠌ãâ¡ ´ãÀã ÌãÖ¶ã ãä‡ãŠ† Øㆠº¾ãã•ã ‚ããõÀ ‚㶾ã ÊããØã¦ããò ‡ãñŠ is reckoned based on interest and other costs
‚ãã£ããÀ ¹ãÀ ‡ãŠãè ØãƒÃ Öõý incurred by the lending segment.
2) Revenue and expenses have been identified to
2) Œãâ¡ãò ‡ãŠãè ‚ãã¾ã ‚ããõÀ ̾ã¾ã ‡ãŠãñ Œãâ¡ ‡ãŠãè ¹ããäÀÞããÊã¶ã Øããä¦ããäÌããä£ã Ôãñ segments based on their relationship to the
Ôãâºãâ£ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõý operating activities of the segment.
3) Ôã½ãØãÆ „²ã½ã Ôãñ Ôãâºãâãä£ã¦ã †ñÔããè ‚ãã¾ã ‚ããõÀ ̾ã¾ã ãä•ã¶Öò ãä‡ãŠÔããè Œãâ¡ 3) Revenue and expenses, which relate to the
enterprise as a whole and are not allocable to
‡ãŠãñ ‚ããºãâã䛦㠇ãŠÀ¶ãñ ‡ãŠã ¦ãããä‡ãʇ㊠‚ãã£ããÀ ¶ãÖãèâ Öõ „¶Öò ``‚ã¶ããºãâã䛦ã segments on a reasonable basis, have been
̾ã¾ã'' ‡ãñŠ ‚ãâ¦ãØãæã Íãããä½ãÊã ‡ãŠÀ ã䪾ãã Øã¾ãã Öõý included under "Unallocated Expenses".

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3.3.3 AzL>\pZ _tESp @u‚ dzOB{O T}@‚J>r@‚ZN

3.3.3 DISCLOSURE UNDER SEGMENT REPORTING
WpB> @‚ # T}pP<X@‚ AzL>
PART A: PRIMARY SEGMENTS

‡ãŠãñÓã ¹ããäÀÞããÊã¶ã ‡ãŠãÀ¹ããñÀñ›/©ããñ‡ãŠ ºãöãä‡ãâŠØã ŒãìªÀã ºãöãä‡ãâŠØ㠂㶾㠺ãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã ¹ããäÀ¦¾ããØã ¾ããñØã
Treasury Corporate/ Retail Banking Other Banking Elimination TOTAL
Operations Wholesale Operations
Banking

‚ãã¾ã
Revenue 22,556.93 35,007.51 52,224.58 7,758.79 -4,462.57 1,13,085.24

¹ããäÀ¥ãã½ã
Result 3,287.16 7,780.35 10,087.52 343.96 — 21,498.99

‚ã¶ããºãâã䛦㠂ãã¾ã
Unallocated Income — — — — — 7.85

‚ã¶ããºãâã䛦ã ̾ã¾ã
Unallocated Expenses — — — — — -3,612.00

¹ããäÀÞããÊã¶ã Êãã¼ã (¹ããèºããè›ãè)

Operating Profit (PBT) — — — — — 17,894.84

‡ãŠÀ
Taxes — — — — — 6,721.77

‚ãÔãã£ããÀ¥ã Êãã¼ã/Öããä¶ã
Extraordinary Profit/Loss — — — — — —

ãä¶ãÌãÊã Êãã¼ã
Net Profit — — — — — 11,173.07

‚㶾ã ÔãîÞã¶ãã†â: — — — — — —
Other Information:
Œãâ¡ ‚ããäÔ¦ã¾ããú
Segment Assets 4,18,116.72 3,91,946.01 7,50,918.91 25,393.18 -2,89,745.27 12,96,629.55

‚ã¶ããºãâã䛦㠂ããäÔ¦ã¾ããú
Unallocated Assets — — — — — 8,196.19

‡ãìŠÊã ‚ããäÔ¦ã¾ããú
Total Assets — — — — — 13,04,825.74

Œãâ¡ ªñ¾ã¦ãã†â
Segment Liabilities 2,11,439.13 3,75,786.40 8,68,257.60 21,864.52 -2,89,745.27 11,87,602.38

‚ã¶ããºãâã䛦㠪ñ¾ã¦ãã†ú
Unallocated Liabilities — — — — — 44,832.97

‡ãìŠÊã ªñ¾ã¦ãã†ú
Total Liabilities — — — — — 12,32,435.35

WpB A # <ÃOrY@‚ AzL

PART B : SECONDARY SEGMENTS
<\\ZN Qu ] rY TqZEp[S <\Qu ] r TqZEp[S YpuB
Particulars Domestic Operations Foreign Operations Total
‚ãã¾ã 1,07,536.61 5,556.48 1,13,093.09
Revenue (83,566.13) (6,652.68) (90,218.81)
dp˘∫OYpz 11,85,292.32 1,19,533.42 13,04,825.74
Assets (9,30,748.23) (96,521.29) (10,27,269.52)
i) Am`/Ï`` nyao df© hoVw Ööý AmpÒV`m±/Xo`VmApuõ H$m {ddaU {XZmßH$ 31.03.2009 H$m h°>ý
ii) @‚pu˝>@‚puõ Xuõ <Qh Bh ‚ããâ‡ãŠü¡ñ <TF>[u \^{ @u‚ Ööý
i) Income/Expenses are for the whole year. Assets/Liabilities are as at 31st March 2009.
ii) Figures within brackets are for previous year

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3.4 Ôãâºãâãä£ã¦ã ¹ãàã ¹ãƇ㊛ãè‡ãŠÀ¥ã : •ãõÔãã ãä‡ãŠ ¹ãƺãâ£ã¶ã ´ãÀã ƒ¶ã‡ãŠã 3.4 Related Party Disclosures: As identified and
‚ããä¼ããä¶ã£ããÃÀ¥ã ‚ããõÀ Ôãâ‡ãŠÊã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ compiled by the management and relied upon
by the auditors
ÊãñŒãã¹ãÀãèàã‡ãŠãò ¶ãñ ƒ¶Öò ÔÌããè‡ãŠãÀ ãä‡ãŠ¾ãã Öõý
3.4.1 Related Parties to the Group:
3.4.1 Ôã½ãîÖ ‡ãñŠ Ôãâºãâãä£ã¦ã ¹ãàã:
A) JOINT VENTURES:
‡ãŠ. Ôãâ¾ãì‡ã‹¦ã „²ã½ã: 1. GE Capital Business Process Management
1. •ããèƒÃ ‡ãõŠãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãò› ÔããäÌãÃÔãñÔã ¹ãÆã. ãäÊã. Services Private Limited.
2. Ôããè †•ã ›ñ‡ã‹¶ããñÊããù•ããèÔã ãäÊããä½ã›ñ¡. 2. C Edge Technologies Ltd.
Œã. ÔãÖ¾ããñØããè: B) ASSOCIATES:
i àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ i Regional Rural Banks
1. ‚ããâ£ãÆ ¹ãƪñÍã ØãÆã½ããè¥ã ãäÌã‡ãŠãÔã ºãö‡ãŠ 1. Andhra Pradesh Grameena Vikas Bank
2. ‚ãÁ¥ããÞãÊã ¹ãƪñÍã ÂÀÊã ºãö‡ãŠ 2. Arunachal Pradesh Rural Bank
3. ‡ãŠãÌãñÀãè ‡ãŠÊ¹ã¦ã ØãÆã½ããè¥ã ºãö‡ãŠ 3. Cauvery Kalpatharu Grameena Bank
4. œ¦¦ããèÔãØãü¤ ØãÆã½ããè¥ã ºãö‡ãŠ 4. Chhatisgarh Gramin Bank
5. ¡ñ‡ã‹‡ãŠ¶ã ØãÆã½ããè¥ã ºãö‡ãŠ 5. Deccan Grameena Bank
6. ƒÊãã‡ãŠãƒÃ ªñÖã¦ããè ºãö‡ãŠ 6. Ellaquai Dehati Bank
7. ½ãñÜããÊã¾ã ÂÀÊã ºãö‡ãŠ 7. Meghalaya Rural Bank
8. ‡ãðŠÓ¥ãã ØãÆã½ããè¥ã ºãö‡ãŠ 8. Krishna Grameena Bank
9. ÊãâØã¹ããè ªñÖãâØããè ÂÀÊã ºãö‡ãŠ 9. Langpi Dehangi Rural Bank
10. ½ã£¾ã ¼ããÀ¦ã ØãÆã½ããè¥ã ºãö‡ãŠ 10. Madhya Bharat Gramin Bank
11. ½ããÊãÌãã ØãÆã½ããè¥ã ºãö‡ãŠ 11. Malwa Gramin Bank
12. ½ããÀÌããü¡ ØãâØãã¶ãØãÀ ºããè‡ãŠã¶ãñÀ ºãö‡ãŠ 12. Marwar Ganganagar Bikaner Bank
13. ãä½ã•ããñÀ½ã ÂÀÊã ºãö‡ãŠ 13. Mizoram Rural Bank
14. ¶ããØããÊãö¡ ÂÀÊã ºãö‡ãŠ 14. Nagaland Rural Bank
15. ¹ãÌãæããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 15. Parvatiya Gramin Bank
16. ¹ãîÌããÄÞãÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 16. Purvanchal Kshetriya Gramin Bank
17. Ôã½ãÔ¦ããè¹ãìÀ àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 17. Samastipur Kshetriya Gramin Bank
18. ÔããõÀãÓ› ØãÆã½ããè¥ã ºãö‡ãŠ 18. Saurashtra Grameena Bank
19. „¦‡ãŠÊã ØãÆ㽾㠺ãö‡ãŠ 19. Utkal Gramya Bank
20. „¦¦ãÀãâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ 20. Uttaranchal Gramin Bank
21. Ìã¶ããâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ 21. Vananchal Gramin Bank
22. ãäÌããäªÍãã ¼ããñ¹ããÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ 22. Vidisha Bhopal Kshetriya Gramin Bank
ii ‚㶾ã ii Others
23. †Ôãºããè‚ãムÖãñ½ã ¹ãŠã¾ã¶ããâÔã ãäÊããä½ã›ñ¡ 23. SBI Home Finance Limited.
24. ãäª ãä‡ã‹Êã‚ããäÀâØã ‡ãŠã¹ããóÀñÍã¶ã ‚ãã¹ãŠ ƒâã䡾ãã ãäÊããä½ã›ñ¡ 24. The Clearing Corporation of India Ltd
25. ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊããä½ã›ñ¡ 25. Nepal SBI Bank Ltd.
26. ºãö‡ãŠ ‚ãã¹ãŠ ¼ãî›ã¶ã 26. Bank of Bhutan
27. ¾ãî›ãè‚ãム†Ôãñ› ½ãõ¶ãñ•ã½ãò› ‡ã⊹ã¶ããè ¹ãÆã. ãäÊã. 27. UTI Asset Management Company Pvt. Ltd.
28. †Ôã. †Ôã. ÌãòÞãÔãà ÔããäÌãÃÔãñÔã ¹ãÆã. ãäÊããä½ã›ñ¡ 28. S. S. Ventures Services Pvt Ltd
Øã. ºãö‡ãŠ ‡ãñŠ ¹ãƽãìŒã ¹ãƺãâ£ã¶ã ‡ãŠããä½ãÇãŠ: C) Key Management Personnel of the Bank:
1. Ñããè ‚ããñ.¹ããè. ¼ã›á›, ‚㣾ãàã 1. Shri O. P. Bhatt, Chairman
2. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
2. Shri S. K. Bhattacharyya, Managing Director
3. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
3. Shri R. Sridharan, Managing Director
(5 ãäªÔãâºãÀ 2008 Ôãñ) (from 5th December 2008)

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3.4.2 ÌãÓãà ‡ãñŠ ªãõÀã¶ã ãä•ã¶ã ¹ãàããò Ôãñ Êãñ¶ã-ªñ¶ã ãä‡ãŠ† Øã†: 3.4.2 Related Parties with whom transactions were entered
ÊãñŒãã ½ãã¶ã‡ãŠ (††Ôã) 18 ‡ãñŠ ‚ã¶ãìÞœñª 9 ‡ãñŠ ‚ã¶ãìÔããÀ ``ÔãÀ‡ãŠãÀ - into during the year:
ãä¶ã¾ãâãä¨ã¦ã „²ã½ã'' ‡ãñŠ ¹㠽ãò Ôãâºãâãä£ã¦ã ¹ãàã Êãñ¶ãªñ¶ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ‡ãŠãñƒÃ No disclosure is required in respect of transactions with
¹ãƇ㊛ãè‡ãŠÀ¥ã ‚ã¹ãñãäàã¦ã ¶ãÖãââè Öõý ÊãñŒãã ½ãã¶ã‡ãŠ 18 ‡ãñŠ ‚ã¶ãìÞœñª 5 ‡ãñŠ related parties which are "state controlled enterprises" as
‚ã¶ãìÔããÀ ¹ãƽãìŒã ¹ãƺãâ£ã¶ã ‡ãŠããä½ãÇ㊠‡ãñŠ ºããÀñ ½ãò ºãö‡ãŠÀ-ØãÆãև㊠Ôãâºãâ£ã ‡ãŠãè per paragraph 9 of Accounting Standard (AS) 18. Further,
in terms of paragraph 5 of AS 18, transactions in the nature
¹ãƇãðŠãä¦ã ÌããÊãñ Êãñ¶ãªñ¶ããò ‡ãŠã ¹ãƇ㊛ãè‡ãŠÀ¥ã ‚ããÌã;ã‡ãŠ ¶ãÖãé Öõý ‚㶾ã of banker-customer relationship are not required to be
ãäÌãÌãÀ¥ã ãä¶ã½¶ãã¶ãìÔããÀ Öõ : disclosed in respect of Key Management Personnel. Other
particulars are:
1. Ôããè-†•ã ›ñ‡ãŠ¶ããñÊããù•ããè•ã ãäÊã.
1. C Edge Technologies Ltd.
2. •ããèƒÃ ‡ãõŠãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãâò› ÔããäÌãÃÔãñ•ã ¹ãÆã.ãäÊã. 2. GE Capital Business Process Management
3. †Ôãºããè‚ãムÖãñ½ã ¹ãŠãƒ¶ãöÔã ãäÊããä½ã›ñ¡ Services Pvt. Ltd.
3. SBI Home Finance Ltd.
4. ºãö‡ãŠ ‚ããù¹ãŠ ¼ãî›ã¶ã
4. Bank of Bhutan
5. ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊã. 5. Nepal SBI Bank Ltd.
6. †Ôã. †Ôã. ÌãòÞãÔãà ÔããäÌãÃÔãñ•ã ãäÊããä½ã›ñ¡ 6. S. S. Ventures Services Ltd
7. Ñããè ‚ããñ.¹ããè.¼ã›á›, ‚㣾ãàã 7. Shri O. P. Bhatt, Chairman
8. Shri S. K. Bhattacharyya, Managing Director
8. Ñããè †Ôã. ‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ
9. Shri R. Sridharan, Managing Director
9. Ñããè ‚ããÀ. Ñããè£ãÀ¶ã, ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ (5 ãäªÔãâºãÀ 2008 Ôãñ) (from 5th December 2008)

3.4.3. Êãñ¶ãªñ¶ã/ÍãñÓã ÀããäÍã¾ããú: 3.4.3 Transactions / Balances :

ãäÌãÌãÀ¥ã ÔãÖ¾ããñØããè/ ¹ãƽãìŒã ¹ãƺãâ£ã¶ã ¾ããñØã Items Associates/ Key Man- Total
Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠããä½ãÇãŠ@ Joint agement
Ventures Personnel @
•ã½ãã-ÀããäÍã¾ããú # 92.58 0.69 93.27
(62.56) (—) (62.56) Deposit# 92.58 0.69 93.27
(62.56) (—) (62.56)
‚㶾㠪ñ¾ã¦ãã†ú # 50.39 0.26 50.65
(97.75) (—) (97.75) Other Liability# 50.39 0.26 50.65
(97.75) (—) (97.75)
ãäÌããä¶ã£ãã¶ã # 21.80 — 21.80
(21.75) (—) (21.75) Investments# 21.80 — 21.80
(21.75) (—) (21.75)
‚㶾㠂ãããäÔ¦ã¾ããú # — — —
Other Assets # — — —
(0.08) (—) (0.08)
(0.08) (—) (0.08)
Ôã⪧㠺¾ãã•ã $ 2.71 — 2.71
Interest paid $ 2.71 — 2.71
(3.16) (—) (3.16) (3.16) (—) (3.16)
¹ãÆ㹦㠺¾ãã•ã $ — — —
Interest received$ — — —
(—) (—) (—) (—) (—) (—)
Êãã¼ããâÍã ‡ãñŠ ¹㠽ãò 1.89 — 1.89
Income earned by 1.89 — 1.89
‚ããä•ãæ㠂ãã¾ã $ (2.94) (—) (2.94) way of Dividend $ (2.94) (—) (2.94)
¹ãƪ¦¦ã ÔãñÌãã†ú $ 2.61 — 2.61
Rendering of services $ 2.61 — 2.61
(0.07) (—) (0.07) (0.07) (—) (0.07)
¹ãÆ㹦ã ÔãñÌãã†ú $ 150.43 — 150.43
Receiving of services $ 150.43 — 150.43
(—) (—) (—) (—) (—) (—)
¹ãƺãâ£ã¶ã ÔãâãäÌãªã†ú $ — 0.38 0.38 Management contracts $ — 0.38 0.38
(—) (0.54) (0.54) (—) (0.54) (0.54)
(‡ãŠãñÓŸ‡ãŠãò ½ãò ã䪆 Øㆠ‚ããâ‡ãŠü¡ñ ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ Öö) (Figures in brackets pertain to previous year)
# 31 ½ããÞãà ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ # Balances as at 31st March
$ Transactions for the year
$ ÌãÓãà ‡ãñŠ Êãñ¶ãªñ¶ã @ Transactions which are not in the nature of banker-
@ †ñÔãñ Êãñ¶ãªñ¶ã •ããñ ºãö‡ãŠÀ ‚ããõÀ ØãÆãև㊠‡ãñŠ Ôãâºãâ£ããò ‡ãŠãè ¹ãƇãðŠãä¦ã ‡ãñŠ ¶ãÖãé Ööý customer relationship.

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3.5 ¹ã›á›ñ : 3.5 Leases:

ãäÌ㦦ããè¾ã ¹ã›á›ñ Financial Lease
Assets given on Financial Lease on or after 1st April
1 ‚ã¹ãÆõÊã 2001 ‡ãŠãñ ¾ãã „Ôã‡ãñŠ ¹ãÍÞãã¦ãá ãäÌã§ããè¾ã ¹ã›á›ãò ¹ãÀ ªãè ØãƒÃ 2001: The details of financial lease are given below.
‚ãããäÔ¦ã¾ããú : ƒ¶ã ãäÌã§ããè¾ã ¹ã›á›ãò ‡ãŠã º¾ããñÀã ¶ããèÞãñ ã䪾ãã Øã¾ãã Öõý
Current Previous
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Year Year

¹ã›á›ãò ½ãò ãä‡ãŠ† Øㆠ‡ãìŠÊã Ôã‡ãŠÊã ãäÌããä¶ã£ãã¶ã 37.09 43.29 Total gross investment in the
leases 37.09 43.29
¹ãÆ㹾㠶¾ãî¶ã¦ã½ã ¹ã›á›ã ¼ãìØã¦ãã¶ããò ‡ãŠã Ìã¦ãýãã¶ã ½ãîʾã Present value of minimum lease
1 ÌãÓãà Ôãñ ‡ãŠ½ã 6.48 8.91 payments receivable
Less than 1 year 6.48 8.91
1 Ôãñ 5 ÌãÓãà ¦ã‡ãŠ — 9.67
1 to 5 years — 9.67
5 ÌãÓãà ‚ããõÀ „ÔãÔãñ ‚ããä£ã‡ãŠ — — 5 years and above — —
¾ããñØã 6.48 18.58 Total 6.48 18.58
‚ã¶ããä•ãæã ãäÌ㦦㠂ãã¾ã ‡ãŠã Ìã¦ãýãã¶ã ½ãîʾã 0.28 3.76 Present value of unearned
finance income 0.28 3.76
¹ããäÀÞããÊã¶ã ¹ã›á›ã Operating Lease
‡ãŠ. 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ¹ããäÀÞããÊã¶ã ¹ã›á›ñ ¹ãÀ ãäÊㆠØㆠA. Office Premises/Staff Quarters taken on Operating Lease
‡ãŠã¾ããÃÊã¾ã ¹ããäÀÔãÀ / Ô›ã¹ãŠ ‡ã‹Ìãã›ÃÔãà as on 31st March 2009
i. ªñ¾ã ¶¾ãî¶ã¦ã½ã ¹ã›á›ã ãä‡ãŠÀã¾ãã* i. Minimum Lease Rent Payable*
a. Payable not later than
‡ãŠ. †‡ãŠ ÌãÓãà ‚ã©ããæã 2009-10 ½ãò ªñ¾ã 58.92 1 year i.e. 2009-10 58.92
Œã.†‡ãŠ ÌãÓãà ‡ãñŠ ºã㪠ãä‡ã⊦ãì 5 ÌãÓãà b. Payable later than 1 year
‚ã©ããæã 2010-11 Ôãñ 2013-14 ½ãò ªñ¾ã 144.78 and not later than 5 years
i.e. 2010-11 to 2013-14 144.78
Øã. 5 ÌãÓãà ‡ãñŠ ºã㪠‚ã©ããæã 2013-14 ‡ãñŠ c. Payable later than 5 years
ºã㪠ªñ¾ã 35.35 i.e. after 2013-14 35.35
* ‡ãñŠÌãÊã Àªáª ¶ãÖãé Öãñ¶ãñÌããÊãñ ¹ã›á›ã ‡ãñŠ Ôãâºãâ£ã ½ãò * in respect of Non Cancellable Lease only
ii. ÌãÓãà ‡ãñŠ ªãõÀã¶ã ̾ã¾ã Œãã¦ãñ ½ãò ¶ãã½ãñ ii. Amount of lease charges
‡ãŠãè ØãƒÃ ¹ã›á›ã ̾ã¾ã ‡ãŠãè ÀããäÍã 690.46 debited to charges
account during the year 690.46
iii. ¹ã›á›ã ‡ãŠÀãÀãò ½ãò Àªáª ¶ãÖãé Öãñ¶ãñ ÌããÊããè ¹ã›á›ã ‚ãÌããä£ã ‡ãñŠ ‚ãâ¦ã ½ãò Ôã½ãîÖ ‡ãñŠ
iii. The lease agreements provide for an option to the
ãäÊㆠ¹ã›á›ã ‚ãÌããä£ã ‡ãñŠ ¶ãÌããè‡ãŠÀ¥ã ‡ãñŠ ãäÌã‡ãŠÊ¹ã ‡ãŠãè ̾ãÌãÔ©ãã Öõý ¹ã›á›ã group to renew the lease period at the end of non-
‡ãŠÀãÀãò ½ãò ‡ãŠãñƒÃ ‚ã¹ãÌããªã¦½ã‡ãŠ ¹ãÆãä¦ãºãâãä£ã¦ã ¹ãÆÔãâãäÌãªã†â ¶ãÖãé Ööý cancellable period. There are no exceptional/
Œã. 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ¹ããäÀÞããÊã¶ã ¹ã›á›ñ ¹ãÀ ã䪆 Øㆠrestrictive covenants in the lease agreements.
¹ããäÀÔãÀ B. Premises given on Operating Leases as on 31st
March 2009
i. ¹ãÆ㹾㠶¾ãî¶ã¦ã½ã ¹ã›á›ã ãä‡ãŠÀã¾ãã
i. Minimum Lease Rental Receivable
‡ãŠ. †‡ãŠ ÌãÓãà ‚ã©ããæã 2009-10 a. Payable not later than
½ãò ªñ¾ã 0.04 1 year i.e. 2009-10 0.04
Œã. †‡ãŠ ÌãÓãà ‡ãñŠ ºã㪠ãä‡ã⊦ãì 5 ÌãÓãà ‚ã©ããæãá b. Payable later than 1 year
2010-11 Ôãñ 2013-14 ½ãò ªñ¾ã 0.04 and not later than 5 years
i.e. 2010-11 to 2013-14 0.04
Øã. 5 ÌãÓãà ‚ã©ããæã 2013-14 ‡ãñŠ ºã㪠ªñ¾ã Íãã
c. Payable later than 5 years
i.e. after 2013-14 Nil
ii ãäÌãÌãÀ¥ã ½ãîÊã 31.03.2009 ÌãÓãà ‡ãñŠ ãäÊã†
ÊããØã¦ã ‡ãŠãñ ÔãâãäÞã¦ã ½ãîʾãımg ii Particulars Original Accumulated Depreciation
½ãîʾãımg Cost Depreciation for the year
as on 31.03.2009
¹ã›á›ñ ¹ãÀ ã䪆
Premises given
Øㆠ¹ããäÀÔãÀ 0.21 0.21 Íãã on lease 0.21 0.21 Nil

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iii Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò ‡ãŠãñƒÃ ‚ãã‡ãŠãäÔ½ã‡ãŠ ãä‡ãŠÀã¾ãã Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã iii No contingent rents have been recognised in the Profit
& Loss Account.
Øã¾ãã Öõý
3.6 Earnings Per Share:
3.6 ¹ãÆãä¦ã Íãñ¾ãÀ „¹ãã•ãöã: The Bank reports basic and diluted earnings per equity
ºãö‡ãŠ ¶ãñ ÊãñŒãã ½ãã¶ã‡ãŠ 20 - `¹ãÆã¦ä ã Íãñ¾ãÀ „¹ãã•ãöã' ‡ãñŠ ‚ã¶ãìÔããÀ ¹ãƦ¾ãñ‡ãŠ ƒãä‡ã‹Ìã›ãè share in accordance with Accounting Standard 20 -
Íãñ¾ãÀ ¹ãÀ ½ãîÊã ‚ããõÀ ‡ãŠ½ã ‡ãŠãè ØãƒÃ ‚ãã¾ã ‡ãŠãè ÔãîÞã¶ãã ªãè Öõý ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ‡ãŠÀ ‡ãñŠ "Earnings per Share". "Basic earnings" per share is
computed by dividing consolidated net profit after tax
¹ãÍÞãã¦ãá ãä¶ãÌãÊã Êãã¼ã ‡ãŠãñ ºã‡ãŠã¾ãã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãè ¼ãããäÀ¦ã ‚ããõÔã¦ã Ôã⌾ãã Ôãñ
by the weighted average number of equity shares
‚ãÊãØã ‡ãŠÀ‡ãñŠ ¹ãÆã¦ä ã Íãñ¾ãÀ `½ãîÊã ‚ãã¾ã' ‡ãŠãè Øã¥ã¶ãã ‡ãŠãè ØãƒÃ Öõý outstanding during the year.
ãäÌãÌãÀ¥ã ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Particulars Current Previous
½ãîÊã ‚ããõÀ ‡ãŠ½ã ãä‡ãŠ† ØㆠYear Year
½ãîÊã ¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã ‡ãŠãè Øã¥ã¶ãã ‡ãñŠ ãäÊㆠBasic and diluted
¹ãƾãì‡ã‹¦ã ¼ãããäÀ¦ã ‚ããõÔã¦ã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠãè Ôãâ. 63,44,13,120 53,14,45,447 Weighted average No. of equity
shares used in computing basic
•ããòü¡ñâ : ƒÃ†Ôã¹ããè†Ôã ¾ããñ•ã¶ãã ‡ãñŠ ‡ãŠãÀ¥ã earning per share 63,44,13,120 53,14,45,447
•ããÀãè ãä‡ãŠ† •ãã¶ãñ ÌããÊãñ Ôãâ¼ãããäÌã¦ã ƒãä‡ã‹Ìã›ãè Add: Potential number of
Íãñ¾ãÀãò ‡ãŠãè Ôã⌾ãã — 5,09,911 equity shares that could arise
‡ãŠ½ã ‡ãŠãè ØãƒÃ ¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã ‡ãŠãè Øã¥ã¶ãã on account of ESPS scheme — 5,09,911
‡ãñŠ ãäÊㆠ¹ãƾãì‡ã‹¦ã ¼ãããäÀ¦ã ‚ããõÔã¦ã Íãñ¾ãÀãò Weighted average number of
shares used in computing
‡ãŠãè Ôã⌾ãã 63,44,13,120 53,19,55,358 diluted earning per share 63,44,13,120 53,19,55,358
ãä¶ãÌãÊã Êãã¼ã (‚ãʹããâÍã ‡ãŠãñ œãñü¡‡ãŠÀ) 10955.29 8960.61 Net profit (Other than minority) 10955.29 8960.61
¹ãÆãä¦ã Íãñ¾ãÀ ½ãîÊã ‚ãã¾ã (Á.) 172.68 168.61 Basic earnings per share (Rs.) 172.68 168.61
‡ãŠ½ã ‡ãŠãè ØãƒÃ ¹ãÆãä¦ã Íãñ¾ãÀ ‚ãã¾ã (Á.) 172.68 168.45 Diluted earnings per share (Rs.) 172.68 168.45
¹ãÆãä¦ã Íãñ¾ãÀ ¶ãã½ã½ãã¨ã ½ãîʾã (Á.) 10.00 10.00 Nominal value per share (Rs.) 10.00 10.00
3.7 ‚ãã¾ã ¹ãÀ ‡ãŠÀ ‡ãŠã ÊãñŒãã‡ãŠÀ¥ã 3.7 Accounting for taxes on Income
i) ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ‚ããÔ©ããäØã¦ã ‡ãŠÀ Ôã½ãã¾ããñ•ã¶ã ‡ãñŠ ´ãÀã Á. 1075.97 i) During the year, Rs. 1075.97 crores [Previous Year
‡ãŠÀãñü¡ [ãä¹ãœÊãñ ÌãÓãà Á. 483.03 ‡ãŠÀãñü¡] Êãã¼ã ‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Rs. 483.03 crores] has been credited to Profit and
Loss Account by way of adjustment of deferred tax.
•ã½ãã ãä‡ãŠ† Øã†ý
ii) The break up of deferred tax assets and liabilities
ii) ¹ãƽãìŒã ½ãªãò ½ãò ‚ãããäԦ㠂ããõÀ ªñ¾ã¦ãã ‡ãŠã ½ãªÌããÀ ãäÌãÌãÀ¥ã ãä¶ã½¶ã ¦ãããäÊã‡ãŠã into major items is given below:
½ãò ã䪾ãã Øã¾ãã Öõ:
As at As at
31 ½ããÞãà 2009 31 ½ããÞãà 2008 Particulars 31-Mar 31-Mar
ãäÌãÌãÀ¥ã ‡ãŠãè ãäÔ©ããä¦ã ‡ãŠãè ãäÔ©ããä¦ã 2009 2008
‡ãñŠ ‚ã¶ãìÔããÀ ‡ãñŠ ‚ã¶ãìÔããÀ Deferred Tax Assets
‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããú Provision for non performing assets 454.78 282.81
‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 454.78 282.81 Ex-gratia paid under Exit option 100.21 147.83
†ãä‡ã‹•ã› ãäÌã‡ãŠÊ¹ã ‡ãñŠ ãäÊㆠ‚ã¶ãìØãÆÖ ÀããäÍã ‡ãŠã ¼ãìØã¦ãã¶ã 100.21 147.83 Wage Revision 769.19 214.92
Ìãñ¦ã¶ã ÔãâÍããñ£ã¶ã 769.19 214.92 Provision for Gratuity, Leave,
ØãÆõÞ¾ãì›ãè, ‚ãÌã‡ãŠãÍã, ¹ãòÍã¶ã ‚ãããäª Pension etc. 1214.24 556.73
‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 1214.24 556.73 Others 461.39 751.68
‚㶾ã 461.39 751.68 Total 2999.81 1953.97
¾ããñØã 2999.81 1953.97 Deferred Tax Liabilities
‚ããÔ©ããäØã¦ã ‡ãŠÀ ªñ¾ã¦ãã†ú Depreciation on Fixed Assets 119.62 110.43
‚ãÞãÊã ‚ãããäÔ¦ã¾ããò ¹ãÀ ½ãîʾãımg 119.62 110.43 Interest on securities 595.42 580.96
¹ãÆãä¦ã¼ãîãä¦ã¾ããò ¹ãÀ º¾ãã•ã 595.42 580.96 Others 276.76 484.19
‚㶾ã 276.76 484.19 Total 991.80 1175.58
¾ããñØã 991.80 1175.58 Net Deferred Tax Assets/(Liabilities) 2008.01 778.39
ãä¶ãÌãÊã ‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã¾ããú/ (ªñ¾ã¦ãã†ú) 2008.01 778.39

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3.8 Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã ‡ã⊹ããä¶ã¾ããò ½ãò ãäÌããä¶ã£ãã¶ã:

Investments in jointly controlled entities:
ÊãñŒãã ½ãã¶ã‡ãŠ 27 ‡ãŠãè ‚ã¹ãñàãã ‡ãñŠ ‚ã¶ãìÔããÀ, Ôãâ¾ãì‡ã‹¦ã ¹ã Ôãñ ãä¶ã¾ãâãä¨ã¦ã ‡ã⊹ããä¶ã¾ããò ½ãò ºãö‡ãŠ ‡ãñŠ ãäÖÔÔãñ Ôãñ Ôãâºãâãä£ã¦ã ‚ãããäÔ¦ã¾ããò, ªñ¾ã¦ãã‚ããò, ‚ãã¾ã ‚ããõÀ ̾ã¾ã
‡ãŠãè ‡ãìŠÊã ÀããäÍã ãä¶ã½¶ãã¶ãìÔããÀ ¹ãƇ㊛ ‡ãŠãè ØãƒÃ Öõ:
As required by AS 27, the aggregate amount of the assets, liabilities, income and expenses related to the group's
interests in jointly controlled entities are disclosed as under:

ãäÌãÌãÀ¥ã / Particulars 31 ½ããÞãà 2009 ‡ãŠãè 31 ½ããÞãà 2008 ‡ãŠãè

ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ
As at As at
31-Mar-2009 31-Mar-2008

Qp<Y´\ / Liabilities
TtyGr dpvZ dpZ<b<OYpy / Capital & Reserves 70.34 64.41
GXpZp<]Ypy / Deposits — —
fRpZ Zp<]Ypy / Borrowings 0.26 0.35
dÆY Qp<Y´\ h\z T}p\RpS / Other Liabilities & Provisions 28.65 27.05

YpuB / TOTAL 99.25 91.81

dp˘∫OYpy / Assets
S@‚Qr ‚ããõÀ WpZOrY qZ˚\{ Vvõ@‚ @u‚ Tp_ •ã½ããZp<]Ypy
Cash and balances with Reserve Bank of India 0.01 0.01
Vvõ@‚puõ @u‚ Tp_ GXpZp<]Ypy dpvZ XpzB TZ OPp d∂T _tESp TZ ¹ãÆãä¦ãªñ¾ã ÀããäÍã
Balances with Banks and Money at call and short notice 21.44 2.04
<\<SRpS / Investments 3.52 2.62
d<B}X / Advances — —
dE[ dp˘∫OYpy / Fixed Assets 11.20 16.23
dÆY dp˘∫OYpy / Other Assets 63.08 70.91

YpuB / TOTAL 99.25 91.81

¹ãîâ•ããèØã¦ã Ìãã¾ãªñ / Capital Commitments Nil Nil

‚㶾㠂ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†â / Other Contingent Liabilities NiL Nil

‚ãã¾ã / Income
„¹ãããä•ãæ㠺¾ãã•ã / Interest earned — 5.69
‚㶾㠂ãã¾ã / Other income 51.47 61.63
‡ãìŠÊã ̾ã¾ã / Total 51.47 67.32
Expenditure
̾ã¾ã ãä‡ãŠ¾ãã Øã¾ãã º¾ãã•ã / Interest expended — —
¹ããäÀÞããÊã¶ã ̾ã¾ã / Operating expenses 41.31 47.41
¹ãÆãÌã£ãã¶ã †Ìãâ ‚ãã‡ãŠãäÔ½ã‡ãŠ¦ãã†â / Provisions & contingencies 4.23 6.44
‡ãìŠÊã / Total 45.54 53.85
Êãã¼ã / Profit 5.93 13.47

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3.9 ‚ãããäÔ¦ã¾ããò ‡ãŠãè ‚ã¹ãÔãã½ã㶾ã¦ãã: 3.9 Impairment of assets:

ºãö‡ãŠ ¹ãƺãâ£ã¶ã ‡ãŠãè ÒãäÓ› ½ãò, ÌãÓãà ‡ãñŠ ªãõÀã¶ã, ‚ãããäÔ¦ã¾ããò ‡ãŠãè ‚ã¹ãÔãã½ã㶾ã¦ãã ‡ãŠã In the opinion of the Bank's Management, there is
no impairment to the assets to which Accounting
‡ãŠãñƒÃ †ñÔãã ½ãã½ãÊãã ¶ãÖãé Öõ ãä•ãÔã ¹ãÀ ÊãñŒãã ½ãã¶ã‡ãŠ 28 - `‚ãããäÔ¦ã¾ããò ‡ãŠãè
Standard 28 - "Impairment of Assets" applies.
‚ã¹ãÔãã½ã㶾ã¦ãã' ÊããØãî Öãñý
3.10 ¹ãÆãÌã£ãã¶ã, ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†ú ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããú 3.10 Provisions, Contingent Liabilities & Contingent Assets

‡ãŠ) ¹ãÆãÌã£ãã¶ããò ‡ãŠã ‚ãÊãØã-‚ãÊãØã ãäÌãÌãÀ¥ã: a) Break up of provisions:

ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Current Previous

Year Year
‡ãŠ) ‚ãã¾ã‡ãŠÀ (Ìã¦ãýãã¶ã ‡ãŠÀ) a) Provision for Income Tax
‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 7598.23 5128.83 (current tax) 7598.23 5128.83
Œã) ‚ãã¾ã‡ãŠÀ (‚ããÔ©ããäØã¦ã ‡ãŠÀ ‚ãããäÔ¦ã) b) Provision for Income Tax
(deferred tax asset) (1075.97) (483.03)
‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã (1075.97) (483.03)
c) Fringe Benefit Tax 174.64 135.47
Øã) ‚ã¶ãìÓãâØããè Êãã¼ã ‡ãŠÀ 174.64 135.47
d) Provision for other taxes 24.87 (3.54)
Üã) ‚㶾㠇ãŠÀãò ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã 24.87 (3.54) e) Amount of provision
Ý) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊㆠmade against NPAs
¹ãÆãÌã£ãã¶ã ÀããäÍã (including write back of
provision) 3616.30 2804.05
(¹ãÆãä¦ãÊãñŒã¶ã ¹ãÆãÌã£ãã¶ã ‡ãñŠ Ôãã©ã) 3616.30 2804.05
f) General provision on
Þã) ÌãõãäÍÌã‡ãŠ ¨ãÉ¥ã ÔãâãäÌã¼ããØã ½ãò Standard Assets in the
½ãã¶ã‡ãŠ ‚ãããäÔ¦ã¾ããò ¹ãÀ Ôãã½ã㶾㠹ãÆãÌã£ãã¶ã 304.83 773.21 global loan portfolio 304.83 773.21

œ) ¼ããÀ¦ã ‚ããõÀ ¼ããÀ¦ã ‡ãñŠ ºããÖÀ g) Depreciation in the value

of Investments in India
ãäÌããä¶ã£ãã¶ããò ½ãò ½ãîʾãımg 1352.77 153.15
and Outside India 1352.77 153.15
•ã) ‚㶾ã (¹ãÆãä¦ãÊãñŒã¶ã ‡ãŠãñ œãñü¡‡ãŠÀ) 726.17 610.56 h) Others (Net of write-backs) 726.17 610.56
‡ãìŠÊã 12721.84 9118.70 Total 12721.84 9118.70

(‡ãŠãñÓŸ‡ãŠ ‡ãñŠ ‚ããâ‡ãŠü¡ñ ‰ãñŠãä¡› ªÍããæãñ Ööý) (Figures in brackets indicate credit)

Œã) ‚ããäÔ©ãÀ ¹ãÆãÌã£ãã¶ã: b) Floating provisions:

Current Previous
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Year Year
‡ãŠ) ‚ã©ãÍãñÓã 685.04 515.95 a) Opening Balance 685.04 515.95
Œã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ããäÀÌã£ãöã 155.60 169.09 b) Addition during the year 155.60 169.09
Øã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ããÖÀ¥ã ½ãò ‡ãŠ½ããè 326.00 0.00 c) Draw down during the year 326.00 0.00

Üã) ƒãä¦ãÍãñÓã 514.64 685.04 d) Closing balance 514.64 685.04

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Øã) ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‚ããõÀ ‚ãã‡ãŠãäÔ½ã‡ãŠ ‚ãããäÔ¦ã¾ããò ‡ãŠã ãäÌãÌãÀ¥ã:
‰ãŠ½ã Ôãâ. ãäÌãÌãÀ¥ã
1 Ôã½ãîÖ ‡ãñŠ ãäÌãÁ® †ñÔãñ ªãÌãñ •ããñ ¨ãÉ¥ã
‡ãñŠ ¹㠽ãò ‚ããä¼ãÔÌããè‡ãðŠ¦ã ¶ãÖãé Öö.
2 ºã‡ãŠã¾ãã Ìãã¾ãªã ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã‚ããò
‡ãñŠ ‡ãŠãÀ¥ã ªñ¾ã¦ãã†ú
3 ØãÆãÖ‡ãŠãò, ãäºãÊããò †Ìãâ Öìâã䡾ããò, ¹ãÀãâ‡ãŠ¶ããò ¦ã©ãã
‚㶾㠪ããä¾ã¦Ìããò ‡ãŠãè ‚ããñÀ Ôãñ ªãè ØãƒÃ ØããÀâã䛾ããú
4 ‚㶾㠽ãªò ãä•ã¶ã‡ãñŠ ãäÊㆠÔã½ãîÖ ‚ãã‡ãŠãäÔ½ã‡ãŠ
¹ã Ôãñ ãä•ã½½ãñªãÀ Öõý
c) Description of contingent liabilities and contingent assets:
Sr. No Items Brief Description
Ôãâãäà㹦ã ãäÌãÌãÀ¥ã
1 Claims against the Group The parent and its constituents are
̾ãÌãÔãã¾ã ‡ãŠãè Ôãã½ã㶾㠹ãÆãä‰ãŠ¾ãã ½ãò ½ãîÊã ‡ã⊹ã¶ããè ‚ããõÀ „Ôã‡ãñŠ not acknowledged as debts parties to various proceedings in
the normal course of business. It
Ü㛇㊠ãäÌããä¼ã¶¶ã ‡ãŠã¾ãÃÌãããäÖ¾ããò ½ãò †‡ãŠ ¹ãàã Ööý Ôã½ãîÖ ‡ãŠãñ †ñÔããè does not expect the outcome of
„½½ããèª ¶ãÖãé Öõ ãä‡ãŠ ƒ¶ã ‡ãŠã¾ãÃÌãããäÖ¾ããò ‡ãñŠ ¹ããäÀ¥ãã½ã ‡ãŠã these proceedings to have a material
adverse effect on the Group’s
¦ãããä¦Ìã‡ãŠ ¹ãÆãä¦ã‡ãîŠÊã ¹ãƼããÌã Ôã½ãîÖ ‡ãŠãè ãäÌã§ããè¾ã ãäÔ©ããä¦ã¾ããò, financial conditions, results of
¹ããäÀÞããÊã¶ã ¹ããäÀ¥ãã½ããò ¾ãã ¶ã‡ãŠªãè ¹ãÆÌããÖ ¹ãÀ ¹ãü¡ñØããý operations or cash flows.
2 Liability on account of The Group enters into foreign
Ôã½ãîÖ ‚ã¹ã¶ãñ ãä¶ã•ããè Œãã¦ãñ ‚ããõÀ ØãÆãÖ‡ãŠãò ‡ãŠãè ‚ãâ¦ãÀ-ºãö‡ãŠ outstanding forward exchange exchange contracts, currency options,
ÔãÖ¼ãããäØã¦ãã Ôãñ ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã, ½ãì³ã ãäÌã‡ãŠÊ¹ã, contracts forward rate agreements, currency
swaps and interest rate swaps with
Ìãã¾ãªã ªÀ ‡ãŠÀãÀ, ½ãì³ã ãäÌããä¶ã½ã¾ã ¦ã©ãã º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã inter-bank participants on its own
‡ãŠÀ¦ãã Öõý Ìãã¾ãªã ãäÌããä¶ã½ã¾ã ÔãâãäÌãªã‚ããò ‡ãŠãè ¹ãÆãä¦ãºã®¦ãã ãäÌãªñÍããè account and for customers. Forward
exchange contracts are commitments
½ãì³ã ‡ãŠãñ ¼ããäÌãӾ㠽ãò ÔãâãäÌãªãØã¦ã ªÀ ¹ãÀ ŒãÀã誶ãñ ¾ãã ºãñÞã¶ãñ to buy or sell foreign currency at a
‡ãñŠ ãäÊㆠÖõý ½ãì³ã ãäÌããä¶ã½ã¾ããò ‡ãŠãè ¹ãÆãä¦ãºã®¦ãã†ú ¹ãîÌãà ãä¶ã£ããÃãäÀ¦ã future date at the contracted rate.
Currency swaps are commitments to
ªÀãò ‡ãñŠ ‚ãã£ããÀ ¹ãÀ †‡ãŠ ½ãì³ã ‡ãñŠ ãäÌã¹ãÀãè¦ã ªîÔãÀãè ½ãì³ã ‡ãŠãè exchange cash flows by way of
º¾ãã•ã / ½ãîÊã ÀããäÍã ‡ãñŠ ¹㠽ãò ãäÌããä¶ã½ã¾ã ¶ã‡ãŠªãè ¹ãÆÌããÖ ‡ãñŠ interest/principal in one currency
against another, based on
ãäÊㆠÖõâý º¾ãã•ã ªÀ ãäÌããä¶ã½ã¾ã ‡ãŠãè ¹ãÆãä¦ãºã®¦ãã†ú ‚ãÞãÊã predetermined rates. Interest rate
ãäÌããä¶ã½ã¾ã †Ìãâ ‚ãÔ©ãã¾ããè º¾ãã•ã ªÀ ¶ã‡ãŠªãè ¹ãÆÌããÖ ‡ãñŠ ãäÊㆠswaps are commitments to exchange
Ööý ‚ãã¶ãì½ãããä¶ã‡ãŠ ÀããäÍã¾ããú, ãä•ã¶Öò ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‡ãñŠ fixed and floating interest rate cash
flows. The notional amounts that are
¹㠽ãò ª•ãà ãä‡ãŠ¾ãã Øã¾ãã Öõ, ÔãâãäÌãªã‚ããò ‡ãñŠ º¾ãã•ã ‚ãâÍã ‡ãñŠ recorded as contingent liabilities,
¹ããäÀ‡ãŠÊã¶ã Öñ¦ãì ¶¾ãî¶ã¦ã½ã ½ãã¹ãªâ¡ ‡ãñŠ ¹㠽ãò ¹ãƾãì‡ã‹¦ã ãäÌããäÍãÓ› are typically amounts used as a
benchmark for the calculation of the
ÀããäÍã¾ããú Öõý interest component of the contracts.
3 Guarantees given on behalf As a part of its commercial banking
‚ã¹ã¶ããè Ìãããä¥ãã䕾ã‡ãŠ ºãöãä‡ãâŠØã ‡ãŠã¾ãÃÌãããäÖ¾ããò ‡ãñŠ ‚ãâ¦ãØãæã Ôã½ãîÖ
of constituents, acceptances, activities, the Group issues
‚ã¹ã¶ãñ ØãÆãÖ‡ãŠãò ‡ãŠãè ‚ããñÀ Ôãñ ¹ãÆÊãñŒããè ¨ãɥ㠂ããõÀ ØããÀâ›ãè ¹ãƪã¶ã endorsements and other documentary credits and guarantees on
‡ãŠÀ¦ãã Öõý ¹ãÆÊãñŒããè ¨ãÉ¥ã Ôãñ Ôã½ãîÖ ‡ãñŠ ØãÆãÖ‡ãŠãò ‡ãŠãè ¨ãÉ¥ã obligations behalf of its customers. Documentary
credits enhance the credit standing of
‚ãÌããäÔ©ããä¦ã ºãü¤¦ããè Öõý ØããÀâã䛾ããú Ôãã½ã㶾ã¦ã: ºãö‡ãŠ ‡ãŠãè ‚ããñÀ the customers of the Group. Guarantees
Ôãñ ‚ã›Êã ‚ããÍÌããÔã¶ã Öãñ¦ããè Öõâ ãä‡ãŠ ¾ããäª ØãÆãև㊠‚ã¹ã¶ãñ ãäÌã§ããè¾ã generally represent irrevocable
assurances that the Bank will make
¾ãã ãä¶ãÓ¹ã㪶㠪ããä¾ã¦Ìããò ‡ãŠãñ ¹ãî¥ãà ‡ãŠÀ¶ãñ ½ãò ‚ãÔã¹ãŠÊã Öãñ¦ãã Öõ ¦ããñ payment in the event of the customer
ºãö‡ãŠ †ñÔããè ãäÔ©ããä¦ã ½ãò „¶ã‡ãŠã ¼ãìØã¦ãã¶ã ‡ãŠÀñØããý failing to fulfil its financial or
performance obligations.
Ôã½ãîÖ ãäÌããä¼ã¶¶ã ‡ãŠÀ ãä¶ã£ããÃÀ¥ã ½ãã½ãÊããò, ãä•ã¶ãÔãñ Ô㽺㮠‚ã¹ããèÊãò 4 Other items for which the The Group is a party to various taxation
ãäÌãÞããÀã£ããè¶ã Öö, ‡ãŠã †‡ãŠ ¹ãàã Öõý Ôã½ãîÖ ‡ãŠãè ‚ããñÀ Ôãñ ƒ¶ã ¹ãÀ Group is contingently liable matters in respect of which appeals are
pending. These are being contested by
¹ãÆãä¦ãÌã㪠ãä‡ãŠ¾ãã •ãã ÀÖã Öõ ‚ããõÀ ƒ¶ã‡ãñŠ ãäÊㆠ‡ãŠãñƒÃ ¹ãÆãÌã£ãã¶ã the Group and not provided for. Further
¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõý ¹ãì¶ã: Ôã½ãîÖ ¶ãñ ̾ãÌãÔãã¾ã ‡ãŠãè Ôãã½ã㶾ã the Group has made commitments to
subscribe to shares in the normal course
¹ãÆã‰ä ㊾ãã ½ãò Íãñ¾ãÀãò ‡ãŠã ‚ããä¼ãªã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ Ìãã¾ãªñ ãä‡ãŠ† Ööý of business.

Üã) …¹ãÀ „ãäÊÊããäŒã¦ã ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã†ú ¾ã©ãããäÔ©ããä¦ã, ¶¾ãã¾ããÊã¾ã/¹ãâÞãã› ‡ãñŠ d) The contingent liabilities mentioned above are
dependent upon the outcome of court/arbitration/
ãä¶ã¥ãþã / ¶¾ãã¾ããÊã¾ã ‡ãñŠ ºããÖÀ Ôã½ã¢ããõ¦ãã, ‚ã¹ããèÊããò ‡ãñŠ ãä¶ã¹ã›ã¶ã, ÀããäÍã ‡ãñŠ ½ããúØãñ out of court settlements, disposal of appeals, the
•ãã¶ãñ, ÔãâãäÌãªãØã¦ã ºã㣾ã¦ãã†ú, Ôãâºãââãä£ã¦ã ¹ãàããò ´ãÀã ½ããúØã ¹ãÆÔ¦ããÌã ‡ãñŠ ‚ãâ¦ãÀ¥ã amount being called up, terms of contractual
obligations, devolvement and raising of demand by
‚ããõÀ „Ôãñ „ªá¼ãî¦ã ‡ãŠÀ¶ãñ •ãõÔããè ¼ããè ãäÔ©ããä¦ã Öãñ, ‡ãñŠ ªããä¾ã¦Ìã ¹ãÀ ‚ãã£ãããäÀ¦ã Öõâý concerned parties, as the case may be.
Ý) ‚ãã‡ãŠãäÔ½ã‡ãŠ ªñ¾ã¦ãã‚ããò ‡ãñŠ ¹ãÆãä¦ã ¹ãÆãÌã£ãã¶ããò ‡ãŠã „¦ããÀ-Þãü¤ãÌã e) Movement of provisions against contingent
liabilities:
ÞããÊãî ÌãÓãà ãä¹ãœÊãã ÌãÓãà Current Previous
Year Year
‡ãŠ) ‚ã©ãÍãñÓã 238.34 142.19
a) Opening Balance 238.34 142.19
Œã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ããäÀÌã£ãöã 108.14 118.33 b) Addition during the year 108.14 118.33
Øã) ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ããÖÀ¥ã ½ãò ‡ãŠ½ããè 42.53 22.18 c) Draw down during the year 42.53 22.18
d) Closing balance 303.95 238.34
Üã) ƒãä¦ãÍãñÓã 303.95 238.34
4. ãäÌãÞããÀã£ããè¶ã Ìãñ¦ã¶ã ‡ãŠÀãÀ : ÔãªÔ¾ã ºãö‡ãŠãò ‡ãŠãè ‚ããñÀ Ôãñ ¼ããÀ¦ããè¾ã ºãö‡ãŠ 4. Pending Wage Agreement: The Eighth Bipartite
Settlement entered into by the Indian Banks'
ÔãâÜã ´ãÀã ‚ããùÊã ƒâã䡾ãã ¾ãîãä¶ã¾ã¶Ôã ‚ããù¹ãŠ Ìã‡ãʽãõ¶ã ‡ãñŠ Ôãã©ã ãä‡ãŠ¾ãã Øã¾ãã Association on behalf of the member Banks with the
‚ããŸÌããú ãä´¹ãàããè¾ã Ôã½ã¢ããõ¦ãã 31 ‚ã‡ã‹›îºãÀ 2007 ‡ãŠãñ Ôã½ã㹦ã Öãñ Øã¾ããý All India Unions of Workmen expired on 31st October
¶ã† Ôã½ã¢ããõ¦ãñ ‡ãñŠ ãäÌãÞããÀã£ããè¶ã ‡ãŠã¾ããöÌã¾ã¶ã ‡ãŠãè ¹ãðÓŸ¼ãîãä½ã ½ãò, ÊãñŒãñ ½ãò 2007. Pending the execution of a new agreement, a

205

C205 K205
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

Á. 1684.10 ‡ãŠÀãñü¡ (ãä¹ãœÊãñ ÌãÓãà Á. 666.89 ‡ãŠÀãñü¡) ‡ãŠã ¹ãÆãÌã£ãã¶ã provision of Rs. 1684.10 crores (Previous Year Rs.666.89
crores) has been made during the year in the accounts
ãä‡ãŠ¾ãã Øã¾ãã Öõ •ããñ ã䪶ããâ‡ãŠ 01 ¶ãÌ㽺ãÀ 2007 Ôãñ ¹ãƼããÌããè Öãñ¶ãñ ÌããÊãñ for the Bank's estimated liability in respect of wage
Ìãñ¦ã¶ã - ÔãâÍããñ£ã¶ã ‡ãñŠ ‡ãŠãÀ¥ã ºãö‡ãŠ ‡ãŠãè ‚ã¶ãì½ãããä¶ã¦ã ªñ¾ã¦ãã Ôãñ Ôãâºãâãä£ã¦ã Öõý revision to be effective from 1st November 2007. The
31 ½ããÞãà 2009 ‡ãŠãñ Ìãñ¦ã¶ã ÔãâÍããñ£ã¶ã ‡ãñŠ ‡ãŠãÀ¥ã ãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã ‡ãŠãè total provision held on account of wage revision as on
ÀããäÍã Á. 2372.54 ‡ãŠÀãñü¡ Öõ (ƒÔã½ãò ¹ãîÌãÃÌã¦ããê †Ôãºããè†Ôã Ôãñ ‚ãâ¦ããäÀ¦ã 31st March 2009 is Rs. 2372.54 crores (including
Rs. 21.55 crores transferred from eSBS).
Á. 21.55 ‡ãŠÀãñü¡ Ôããä½½ããäÊã¦ã Öõ)ý
5. Agricultural Debt Waiver and Debt Relief
5. ‡ãðŠãäÓã ¨ãɥ㠽ãã¹ãŠãè ¦ã©ãã ¨ãÉ¥ã Àã֦㠾ããñ•ã¶ãã 2008 Scheme 2008
As per the Agricultural Debt Waiver and Debt Relief
‡ãðŠãäÓã ¨ãɥ㠽ãã¹ãŠãè ¦ã©ãã ¨ãÉ¥ã Àã֦㠾ããñ•ã¶ãã 2008 ‡ãñŠ ‚ã¶ãìÔããÀ, ‡ãòŠ³ ÔãÀ‡ãŠãÀ Scheme 2008, the amount receivable from the Central
Ôãñ ¨ãɥ㠽ãã¹ãŠãè ‡ãñŠ ‡ãŠãÀ¥ã ¹ãÆã¹¾ã ÀããäÍã Á. 7424.37 ‡ãŠÀãñ¡ü ‚ããõÀ ¨ãÉ¥ã ÀãÖ¦ã Government on account of debt waiver is Rs. 7424.37
‡ãñŠ ‡ãŠãÀ¥ã ¹ãÆã¹¾ã ÀããäÍã Á. 947.94 ‡ãŠÀãñ¡ü Öõ ý ¾ããñ•ã¶ãã ‡ãñŠ ‚ã¶ãìÔããÀ ãä•ãÔãñ crores and on account of debt relief is Rs. 947.94
crores, which is treated as part of advances and other
‰ãŠ½ãÍã: ‚ããäØãƽ㠂ããõÀ ‚㶾㠂ãããäÔ¦ã¾ããò ‡ãñŠ ‚ãâØã ‡ãñŠ ¹㠽ãò ½ãã¶ãã Øã¾ãã Öõý ¼ããÀ¦ã assets respectively in accordance with the scheme.
ÔãÀ‡ãŠãÀ ¶ãñ ¨ãɥ㠽ãã¹ãŠãè ‡ãñŠ ãäÊㆠƒÔãÔãñ ¹ãÆã¹¾ã ÀããäÍã ¹ãÀ ¹ãÆ©ã½ã ãä‡ãŠÍ¦ã ‡ãñŠ For the Debt Waiver, the Government of India has
¼ãìØã¦ãã¶ã ‡ãŠãè ãä¦ããä©ã Ôãñ º¾ãã•ã ¹ãƪã¶ã ‡ãŠÀ¶ãñ ½ãò ÔãÖ½ããä¦ã ªãè Öõ ‚ããõÀ ¦ãª¶ãìÔããÀ agreed to provide interest on the amount receivable
from it from the date of payment of the first instalment
Ìã¦ãýãã¶ã ½ãîʾ㠇ãñŠ ‚ã¶ãìÔããÀ º¾ãã•ã ‡ãŠãè Öããä¶ã ‡ãñŠ ãäÊㆠ‡ãŠãñƒÃ ¹ãÆãÌã£ãã¶ã ¶ãÖãé ãä‡ãŠ¾ãã and accordingly no provision for loss of interest on
Øã¾ãã Öõý ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã Á. 2912.61 ‡ãŠÀãñ¡ü ‡ãŠãè ãä‡ãŠÍ¦ã ¹ãÆ㹦ã ÖìƒÃ Öõ. present value terms has been made. Further, the
¨ãÉ¥ã Àã֦㠇ãñŠ ½ãã½ãÊãñ ½ãò, ºãö‡ãŠ ¶ãñ ¾ããñؾ㠇ãðŠÓã‡ãŠãò Ôãñ ¹ãÆã¹¾ã ÀããäÍã ¹ãÀ º¾ãã•ã instalment of Rs. 2912.61 crores has been received
from Government of India. In respect of Debt Relief,
‡ãŠãè Öããä¶ã ‡ãñŠ Ìã¦ãýãã¶ã ½ãîʾ㠇ãñŠ ãäÊㆠÁ. 248.28 ‡ãŠÀãñ¡ü ‡ãŠã ¹ãÆãÌã£ãã¶ã ãä‡ãŠ¾ãã the group has made provision of Rs. 248.28 crores
Öõ, •ããñ Ôãã½ã㶾㠂ããÀãäàããä¦ã ½ãò ÔãÀ‡ãŠãÀ Ôãñ ªãÌãñ ‡ãŠãè ¹ãÆãã书㠇ãñŠ ¹ãÍÞãã¦ãá ÊãñŒãñ towards present value of loss of interest on amount
‡ãñŠ ¹ãî¥ãà ãä¶ã£ããÃÀ¥ã ‡ãñŠ Ôã½ã¾ã ¹ãƦ¾ããÌã¦ãöã-¾ããñؾã Öõý ¨ãÉ¥ã Àã֦㠇ãñŠ ¾ãñ ‚ããâ‡ãŠü¡ñ receivable from eligible farmers, which is reversible
‡ãðŠÓã‡ãŠãò Ôãñ ¹ãÆã¹¾ã ÀããäÍã ‡ãñŠ ¼ãìØã¦ãã¶ã ¹ãÀ ãä¶ã¼ãÃÀ ‡ãŠÀ¦ãñ Ööý to General Reserve upon complete settling of the
account after receipt of claim from the Government.
6. ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ¹ããäÀ¹ã¨ã ¡ãèºããè‚ããñ¡ãè ‰ãŠ½ããâ‡ãŠ ºããè¹ããè.ºããèÔããè. 42/21- The figures of debt relief are subject to payment of
dues by the farmers.
01-02/2007-08 ‡ãñŠ ãä¶ãªñÍãã¶ãìÔããÀ ãäÀ¡ãè½ãñºãÊã ãä¹ãƹãŠÀòÔã Íãñ¾ãÀãò ‡ãŠãñ ªñ¾ã¦ãã
6. In accordance with RBI circular DBOD NO.BP.BC.42/
½ãã¶ãã Øã¾ãã Öõ ‚ããõÀ „¶ã ¹ãÀ ¼ãìØã¦ãã¶ã ãä‡ãŠ† •ãã¶ãñ ÌããÊãñ ‡ãã¶ã ‡ãŠãñ º¾ãã•ã 21.01.02/2007-08 redeemable preference shares are
½ãã¶ãã Øã¾ãã Öõý treated as liabilities and the coupon payable thereon
is treated as interest.
7. ‚ããƒÔãã膂ãム´ãÀã •ããÀãè Ôãã½ã㶾ã Ô¹ãÓ›ãè‡ãŠÀ¥ããò ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¦ãñ
7. Additional statutory information disclosed in separate
Öì† - Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ‡ãŠãè ¾ã©ãã¦ã©¾ã¦ãã ‚ããõÀ „¹ã¾ãì‡ã‹¦ã¦ãã ¹ãÀ financial statements of the parent and the subsidiaries
‡ãŠãñƒÃ ¹ãƼããÌã ¶ã Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã „Ôã½ãò - ½ãîÊã ‡ã⊹ã¶ããè ‚ããõÀ ‚ã¶ãìÓãâãäØã¾ããò having no bearing on the true and fair view of the
‡ãñŠ ‚ãÊãØã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ½ãò „ãäÊÊããäŒã¦ã †ñÔããè ÔããâãäÌããä£ã‡ãŠ ÔãîÞã¶ãã‚ããò consolidated financial statements and also the
information pertaining to the items which are not
‡ãŠã •ããñ ½ãÖ¦Ìã¹ãî¥ãà ¶ãÖãé Öö, ¾ãÖãâ Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ½ãò material have not been disclosed in the consolidated
¹ãƇ㊛ãè‡ãŠÀ¥ã ¶ãÖãèâ ãä‡ãŠ¾ãã Øã¾ãã Öõý financial statements in view of the general
clarifications issued by ICAI.
8. •ãÖãâ ¼ããè ‚ããÌã;ã‡ãŠ ‚ããõÀ Ôãâ¼ãÌã ©ãã ãäÌãØã¦ã ÌãÓãà ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãŠãñ ÞããÊãî ÌãÓãà ‡ãñŠ 8. Previous year's figures have been regrouped and
‚ããâ‡ãŠü¡ãò Ôãñ ¦ãìʾ㠺ã¶ãã¶ãñ ‡ãñŠ ãäÊㆠ¹ãì¶ãÔãýãîãÖä ¦ã ‚ããõÀ ¹ãì¶ãÌãÃØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã reclassified, wherever necessary and determinable, to
Öõý †ñÔãñ ½ãã½ãÊããò ½ãò •ãÖãâ ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãã-ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ make them comparable with current year's figures. In
cases where disclosures have been made for first time
¹ãƇ㊛ãè‡ãŠÀ¥ã ¹ãÖÊããè ºããÀ ãä‡ãŠ† ØㆠÖö - ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ ‚ããâ‡ãŠü¡ãò ‡ãŠã „ÊÊãñŒã in terms of RBI guidelines/Accounting Standards,
¶ãÖãèâ ãä‡ãŠ¾ãã Øã¾ãã Öõý previous year figures have not been mentioned

(Ñããè ‚ããÀ. Ñããè£ãÀ¶ã) ƒÔããè ãä¦ããä©ã ‡ãŠãè Ö½ããÀãè Ôã½ããèàãã ãäÀ¹ããñ›Ã ‡ãñŠ ‚ã¶ãìÔããÀ
(Shri R. Sridharan) In terms of our Review Report of even date
¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ †Ìãâ Ôã½ãîÖ ‡ãŠã¾ãùããÊã‡ãŠ (ÔãÖ¾ããñØããè †Ìãâ ‚ã¶ãìÓãâãäØã¾ããâ) ‡ãðŠ¦ãñ ‚ããÀ.•ããè.†¶ã. ¹ãÆãƒÔã †¥¡ ‡ã⊹ã¶ããè
Managing Director and GE (A&S)
For R.G.N. Price & Co.,
Ôã¶ãªãè ÊãñŒãã‡ãŠÀ
(Ñããè †Ôã.‡ãñŠ. ¼ã›á›ãÞãã¾ãÃ) Chartered Accountants
(Shri S.K. Bhattacharyya)
T}VzR <SQu]@‚ h\z ½ã쌾㠨ãɥ㠆Ìãâ •ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè (¹ããè. †½ã. ÌããèÀ½ããä¥ã)
Managing Director and CC & RO (P.M. Veeramani)
¼ããØããèªãÀ
(Ñããè ‚ããñ.¹ããè. ¼ã›á›) Partner
(Shri O.P. Bhatt) ÔãªÔ¾ã¦ã㠉㊽ããâ‡ãŠ/M.No. 023933
‚㣾ãàã ‡ãŠãñÊã‡ãŠã¦ãã, 9 ½ãƒÃ, 2009
Chairman Kolkata, 9th May 2009

206

C206 K206
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) STATE BANK OF INDIA (CONSOLIDATED)

31 XpE{ 2009 @‚pu _XpØO \^{ @u‚ <[h S@‚Qr T}\p` <\\ZN
CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2009
(000 @‚pu F>puÊ <QYp BYp `v)
(000s omitted)

31.3.2009 @‚pu _XpØO \^{{ 31.3.2008 @‚pu _XpØO \^{{

Year ended 31.3.2009 Year ended 31.3.2008
‘. Rs. ‘. Rs.
@‚. TqZEp[S @‚pY{@‚[pTpuõ _u S@‚Qr T}\p`
A. CASH FLOW FROM OPERATING ACTIVITIES 31169,96,16 (4209,41,26)
A. <\<SRpS @‚pY{@‚[pTpuõ _u S@‚Qr T}\p`
B. CASH FLOW FROM INVESTING ACTIVITIES (1630,89,34) (1642,44,22)
B. <\lTpu^N @‚pY{@‚[pTpuõ _u S@‚Qr T}\p`
C. CASH FLOW FROM FINANCING ACTIVITIES 4500,72,69 22633,71,61
C. <\<SXY CJ>-VÁ S@‚Qr T}\p`
D. CASH FLOW ON ACCOUNT OF EXCHANGE FLUCTUATION 2193,48,35 (230,30,80)
S@‚Qr h\z S@‚Qr _XOs∂Y Xuõ <S\[ TqZ\O{S
NET CHANGE IN CASH AND CASH EQUIVALENTS 36233,27,86 16551,55,33
D‚. S@‚Qr h\z S@‚Qr _XOs∂Y - \^{ @u‚ dpZzW Xuõ
E. CASH AND CASH EQUIVALENTS - OPENING 89028,41,70 72476,86,37
E. S@‚Qr h\z S@‚Qr _XOs∂Y - \^{ @u‚ dzO Xuõ
F CASH AND CASH EQUIVALENTS - CLOSING 125261,69,56 89028,41,70

@‚. TqZEp[S @‚pY{@‚[pTpuõ _u S@‚Qr T}\p`

A. CASH FLOW FROM OPERATING ACTIVITIES
@‚Z Tt\{ <S\[ [pW Net Profit before taxes 17677,05,43 13738,33,96
_XpYpuGS ADJUSTMENT FOR:
Xt∂Y◊p_ ]s∂@‚ Depreciation charge 924,46,18 1038,33,36
˘∫PZ dp˘∫OYpuõ @u‚ <\@}‚Y TZ ([pW)/`p<S (<S\[) (Profit)/Loss on sale of fixed assets (Net) 4,20,67 (10,70,83)
d[pW@‚pZr dp˘∫OYpuõ @u‚ <[h T}p\RpS Provision for NPAs 3616,30,20 2804,04,68
XpS@‚ dp˘∫OYpuõ @u‚ <[h T}p\RpS Provision for Standard Assets 304,82,54 773,21,03
WpZO Xuõ <S\u]puõ TZ Xt∂Y◊p_ Depreciation on Investments in India 1058,11,27 103,94,12
WpZO @u‚ ±pp`Z <S\u]puõ TZ Xt∂Y◊p_ Depreciation on Investments Outside India 294,65,42 84,24,05
dSs^z<BYpuõ/_zYs°O-f Xpuõ @u‚ <[h T}p\RpS Provision for investments in Sub./Joint venture — (35,02,60)
<\<SRpSpuõ @u‚ <\@}‚Y TZ ([pW)/`p<S (<S\[) (Profit)/Loss on sale of investments (Net) (1758,03,89) (2780,60,20)
<\<SRpSpuõ @u‚ TsSXt{∂Ypz@‚S TZ [pW/`p<S Profit/Loss on revaluation of investments 629,25,09 856,75,44
dÆY dp˘∫OYpuõ TZ T}p\RpS Provision on other assets 51,38,94 413,26,93
dÆY T}p\RpS Other Provisions 674,79,65 197,29,16
\^{ @u‚ QpvZpS dT<[<AO dp∫P<BO ZpG∫\ AE{
Deferred Revenue Expenditure written off during the year 583,24 (29,52,65)
VpzL>puõ TZ _zQl ±YpG (<\lrY B<O<\<R)
Interest paid on Bonds (Financing Activity) 2797,09,40 2384,62,06
_`Ypu<BYpuõ _u T}p· [pWpz]/d<G{O dpY (<S\u] B<O<\<R)
Dividend/Earnings from Associates (Investing activity) 53,63 (211,00,17)
CJ>phz # T}´Yb-@‚Z Less : Direct Taxes (7764,81,41) (5759,81,38)

18515,66,36 13567,36,96
_XpYpuGS Adjustment for:
GXpZp<]Ypuõ Xuõ \w<–/(@‚Xr) Increase/(Decrease) in Deposits 235571,80,75 140143,64,19
fRpZZp<]Ypuõ Xuõ \w<–/(@‚Xr) Increase/(Decrease) in Borrowings (1431,52,65) 17361,33,99
<\<SRpSpuõ Xuõ (\w<–)/@‚Xr (Increase)/Decrease in Investments (98472,70,24) (55387,57,96)
d<B}Xpuõ Xuõ (\w<–)/@‚Xr (Increase)/Decrease in Advances (150756,74,61) (118740,02,24)

207

C207 K207
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

(000 @‚pu F>puÊ <QYp BYp `v)

(000s omitted)

31.3.2009 @‚pu _XpØO \^{{ 31.3.2008 @‚pu _XpØO \^{{

Year ended 31.3.2009 Year ended 31.3.2008

dÆY QuYOpdpuõ dpvZ T}p\RpSpuõ Xuõ \w<–/(@‚Xr) Increase/(Decrease) in Other Liabilities & Provisions 21989,72,84 19870,98,41
dÆY dp˘∫OYpuõ Xuõ (\w<–)/@‚Xr (Increase)/Decrease in Other Assets 5753,73,71 (21025,14,61)
TqZEp[S @‚pY{@‚[pTpuõ _u fT[±R <S\[ S@‚Qr
NET CASH PROVIDED BY OPERATING ACTIVITIES 31169,96,16 (4209,41,26)

A. <\<SRpS @‚pY{@‚[pTpuõ _u S@‚Qr T}\p`

B. CASH FLOW FROM INVESTING ACTIVITIES
_`Ypu<BYpuõ @u‚ <\<SRpSpuõ Xuõ (\w<–)/@‚Xr
(Increase)/Decrease in Investments in Associates (141,00,08) (162,40,41)

hu_u <\<SRpSpuõ TZ d<G{O dpY

Income earned on such Investments (53,63) 211,00,17

dE[ dp˘∫OYpuõ Xuõ (\w<–)/@‚Xr

(Increase)/Decrease in Fixed Assets (1489,35,63) (1691,03,98)

<\<SRpS @‚pY{@‚[pTpuõ ÃpZp fT[±R @‚Zpe{ Be{ <S\[ S@‚Qr

NET CASH PROVIDED BY INVESTING ACTIVITIES (1630,89,34) (1642,44,22)

B. <\lTpu^N @‚pY{@‚[pTpuõ _u S@‚Qr T}\p`

C. CASH FLOW FROM FINANCING ACTIVITIES

Íãñ¾ãÀ ¹ãîú•ããè
Share Capital 3,40,98 105,17,15
Íãñ¾ãÀ ¹ãÆãèãä½ã¾ã½ã
Share Premium 558,95,77 16588,39,42
VpzL> BÌ`y
Issue of Bonds 8373,43,21 10967,80,00
BpvN VpzL> T}<O_zQpY
Repayment of Subordinated Bonds (40,00,00) (1755,26,00)
VpzL>puõ TZ _zQl ±YpG
Interest Paid on Bonds (2797,09,40) (2384,62,06)
_zQl [pWpz] f_ TZ @‚Z _<`O
Dividends Paid including tax thereon (1532,11,70) (862,04,07)
‚ã¶ãìÓãâãäØã¾ããò ´ãÀã Ôã⪦¦ã Êãã¼ããâÍã
Dividends tax Paid by subsidiaries (65,86,17) (25,72,83)
ãäÌ㦦ããè¾ã Øããä¦ããäÌããä£ã¾ããò ´ãÀã ¹ãƪ¦ã ãä¶ãÌãÊã ¶ã‡ãŠªãè
NET CASH PROVIDED BY FINANCING ACTIVITIES 4500,72,69 22633,71,61

C. <\<SXY fOpZ-EÁp\ @u‚ @‚pZN S@‚Qr T}\p`

D. CASH FLOW ON ACCOUNT OF EXCHANGE FLUCTUATION
<\Qu]r dSs^z<BYpuõ @‚√ dpZ<b<OYpz
Reserves of Foreign Subsidiaries 1530,98,35 (101,13,57)

‚㶾ã-ãäÌãªñÍããè ½ãì³ã ºããâ¡puõ ‡ãŠã ¹ãì¶ã½ãîÃʾã¶ã

Others-Revaluation of foreign currency bonds 662,50,00 (129,17,23)
<\<SXY fOpZ-EÁp\ @u‚ @‚pZN <S\[ S@‚Qr T}\p`
Net Cashflows on A/C of Exchange Fluctuation 2193,48,35 (230,30,80)

208

C208 K208
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

(000 @‚pu F>puÊ <QYp BYp `v)

(000s omitted)

31.3.2009 @‚pu _XpØO \^{{ 31.3.2008 @‚pu _XpØO \^{{

Year ended 31.3.2009 Year ended 31.3.2008

D‚. \^{ @u‚ dpZzW Xuõ S@‚Qr h\z S@‚Qr _XOs∂Y

E. CASH AND CASH EQUIVALENTS - OPENING

`pP S@‚Qr (e_Xuõ <\Qu]r @‚Zuõ_r SpuJ> OPp ÒdU© _˘≥X<[O `v)
Cash in hand (including FC notes & gold) 3791,06,09 3147,25,02

WpZOrY qZ˚\{ Vvõ@‚ Xuõ O_mam{e`m±

Balances with Reserve Bank of India 71026,19,45 41918,85,11

Vvõ@‚puõ Xuõ O_mam{e`m± OPp XpzB TZ h\z d∂T _tESp TZ ‡{VXo` am{e`m±
Balances with Banks & MACSN 14211,16,16 27410,76,24

YpuB TOTAL 89028,41,70 72476,86,37

E. \^{ @‚√ _Xp<ØO TZ S@‚Qr h\z S@‚Qr _XOs∂Y

F. CASH AND CASH EQUIVALENTS - CLOSING
`pP S@‚Qr
(e_Xuõ <\Qu]r @‚Zuõ_r SpuJ> OPp ÒdU© _˘≥X<[O `v)
Cash in hand
(including FC notes & gold) 5462,49,27 3791,06,09
WpZOrY qZ˚\{ Vvõ@‚ Xuõ O_mam{e`m±
Balances with Reserve Bank of India 68698,57,39 71026,19,45
Vvõ@‚puõ Xuõ O_mam{e`m± OPp XpzB TZ h\z d∂T _tESp TZ ‡{VXo` am{e`m±
Balances with Banks & MACSN 51100,62,90 14211,16,16
YpuB TOTAL 125261,69,56 89028,41,70

209

C209 K209
WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò AUDITOR’S REPORT ON THE

¹ãÀ ÊãñŒãã-¹ãÀãèàã‡ãŠ ‡ãŠãè ãäÀ¹ããñ›Ã CONSOLIDATED FINANCIAL
STATEMENTS

¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ãä¶ãªñÍã‡ãŠ ºããñ¡Ã ‡ãŠãñ TO THE BOARD OF DIRECTORS
STATE BANK OF INDIA
1. Ö½ã¶ãñ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ (ƒÔã ºãö‡ãŠ), ƒÔã‡ãŠãè ‚ã¶ãìÓãâãäØã¾ããò,
1. We have examined the attached Consolidated
ÔãÖ¾ããñãäØã¾ããò ‚ããõÀ Ôãâ¾ãì‡ã‹¦ã „²ã½ããò (ƒÔã Ôã½ãîÖ) ‡ãŠãè 31 ½ããÞãà 2009
Balance Sheet of State Bank of India (the Bank),
‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ Ôã½ãñãä‡ãŠ¦ã ¦ãìÊã¶ã-¹ã¨ã ‚ããõÀ „Ôããè ¦ããÀãèŒã ‡ãŠãñ its subsidiaries, associates and joint ventures (the
Ôã½ã㹦ã Ôã½ãñãä‡ãŠ¦ã Êãã¼ã †Ìãâ Öããä¶ã Œãã¦ãã ¦ã©ãã Ôã½ãñãä‡ãŠ¦ã ¶ã‡ãŠªãè ¹ãÆÌããÖ Group) as at 31st March 2009, and the
ãäÌãÌãÀ¥ã ‡ãŠã ¹ãÀãèàã¥ã ãä‡ãŠ¾ãã Öõ ƒ¶ã½ãò : Consolidated Profit and Loss Account and the
Consolidated Cash Flow Statement for the year
i. Ö½ããÀñ ÔããäÖ¦ã 14 Ôãâ¾ãì‡ã‹¦ã ÊãñŒãã-¹ãÀãèàã‡ãŠãò ´ãÀã ÊãñŒãã-¹ãÀãèãäàã¦ã then ended in which are incorporated the:
ºãö‡ãŠ ‡ãñŠ Œãã¦ãñ, i. Audited accounts of the Bank audited by 14
ii. Ö½ããÀñ ´ãÀã ÊãñŒãã ¹ãÀãèãäàã¦ã 1 (†‡ãŠ) ‚ã¶ãìÓãâØããè ‡ãñŠ ÊãñŒãã¹ãÀãèãäàã¦ã Joint Auditors including us,

Œãã¦ãñ, ii. Audited accounts of 1 (one) subsidiary

audited by us,
iii. ‚㶾ã ÊãñŒãã-¹ãÀãèàã‡ãŠãò ´ãÀã ÊãñŒãã ¹ãÀãèãäàã¦ã 25 (¹ãÞÞããèÔã)
‚ã¶ãìÓãâãäØã¾ããò, 27 (Ô㦦ããƒÃÔã) ÔãÖ¾ããñãäØã¾ããò ‚ããõÀ 1 (†‡ãŠ) iii. Audited accounts of 25 (twenty five)
Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãñŠ ÊãñŒãã¹ãÀãèãäàã¦ã Œãã¦ãñ, subsidiaries, 27 (twenty seven) Associates
and 1 (one) joint venture audited by other
iv. 01 ‚ã¹ãÆõÊã 2008 Ôãñ 13 ‚ãØãÔ¦ã 2008 ¦ã‡ãŠ (ºãö‡ãŠ ½ãò ƒÔã auditors,
‚ã¶ãìÓãâØããè ‡ãñŠ ãäÌãÊã¾ã Öãñ¶ãñ ‡ãŠãè ãä¦ããä©ã) ¦ã‡ãŠ ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ãäÊㆠiv. Accounts of 1 (one) subsidiary for the period
‚㶾ã ÊãñŒãã-¹ãÀãèàã‡ãŠ ´ãÀã ÊãñŒãã-¹ãÀãèãäàã¦ã 1 (†‡ãŠ) ‚ã¶ãìÓãâØããè 01st April 2008 to 13th August 2008 (the
‡ãñŠ Œãã¦ãñ, date of merger of this subsidiary with the
Bank) audited by another auditor,
v. 2 (ªãñ) ‚ã¶ãìÓãâãäØã¾ããò, 1 (†‡ãŠ) ÔãÖ¾ããñØããè ‚ããõÀ 1 (†‡ãŠ) Ôãâ¾ãì‡ã‹¦ã
„²ã½ã ‡ãñŠ ‚ãÊãñŒãã¹ãÀãèãäàã¦ã Œãã¦ãñý v. Unaudited accounts of 2 (two) subsidiaries,
1 (one) associate and 1 (one) Joint venture.
¾ãñ Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ºãö‡ãŠ ¹ãƺãâ£ã¶ã ‡ãŠãè ãä•ã½½ãñªãÀãè Öö ‚ããõÀ
These Consolidated financial statements are the
¾ãñ ‚ãÊãØã ‚ãÊãØã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ‚ããõÀ Ôã½ãîÖ ‡ãŠãè ãä¼ã¸ã ƒ‡ãŠãƒ¾ããò responsibility of the Bank's management and have
Ôãñ Ôãâºãâãä£ã¦ã ‚㶾ã ãäÌ㦦ããè¾ã •ãã¶ã‡ãŠãÀãè ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ¦ãõ¾ããÀ ãä‡ãŠ† been prepared by the management on the basis of
ØㆠÖöý Ö½ããÀãè ãä•ã½½ãñªãÀãè, ‚ã¹ã¶ãñ ÊãñŒãã-¹ãÀãèàãã ‡ãŠã¾ãà ‡ãñŠ ‚ãã£ããÀ separate financial statements and other financial
information of the different entities in the Group.
¹ãÀ ƒ¶ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ¹ãÀ ‚ã¹ã¶ãã ‚ããä¼ã½ã¦ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¶ãã Öõý
Our responsibility is to express an opinion on these
2. Ö½ã¶ãñ ‚ã¹ã¶ãã ÊãñŒãã-¹ãÀãèàãã-‡ãŠã¾ãà ¼ããÀ¦ã ½ãò Ôãã½ã㶾ã¦ã¾ãã ÔÌããè‡ãðŠ¦ã financial statements based on our audit.
ÊãñŒãã-¹ãÀãèàãã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Öõý ƒ¶ã ½ãã¶ã‡ãŠãò ‡ãñŠ ‚ãâ¦ãØãæã 2. We conducted our audit in accordance with
¾ãÖ ‚ã¹ãñàãã ‡ãŠãè •ãã¦ããè Öõ ãä‡ãŠ ֽ㠂ã¹ã¶ããè ÊãñŒãã-¹ãÀãèàãã ‡ãŠãè ¾ããñ•ã¶ãã generally accepted auditing standards in India.
ƒÔã ¹ãƇãŠãÀ ºã¶ãã†â ‚ããõÀ „Ôãñ ƒÔã ¹ãƇãŠãÀ ãä¶ãÓ¹ããã䪦㠇ãŠÀò, ãä•ãÔãÔãñ These Standards require that we plan and perform
the audit to obtain reasonable assurance whether
Ö½ã Ôã½ãìãäÞã¦ã ¹ã Ôãñ ƒÔã ºããÀñ ½ãò ‚ããÍÌãÔ¦ã Öãñ •ãã†â ãä‡ãŠ ãäÌ㦦ããè¾ã the financial statements are prepared, in all
ãäÌãÌãÀ¥ã ÖÀ ¦ãÀÖ Ôãñ ãä¶ã£ããÃãäÀ¦ã ãäÀ¹ããñãä›ÄØã ¤ãúÞãñ ‡ãñŠ ‚ã¶ãìÔããÀ ¦ãõ¾ããÀ material aspects in accordance with identified
ãä‡ãŠ† ØㆠÖö, ƒÔã½ãò ãäÌãÓã¾ã - ÌãÔ¦ãì Ôãâºãâ£ããè ‡ãŠãñƒÃ ØãÊã¦ã ãäÌãÌãÀ¥ã reporting framework and free of material

210

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WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

¶ãÖãé ã䪆 ØㆠÖöý ÊãñŒãã-¹ãÀãèàãã ½ãò ÀããäÍã ‡ãñŠ Ôã½ã©ãö㠂ããõÀ ãäÌ㦦ããè¾ã misstatements. An audit includes, examining on
a test basis, evidences supporting the amounts
ãäÌãÌãÀ¥ããò ½ãò ¹ãƇ㊛ãè‡ãŠÀ¥ã Ôãâºãâ£ããè Ôããà¾ããò ‡ãŠãè ¶ã½ãî¶ãã-¹ãÀãèàã¥ã ‚ãã£ããÀ
and disclosures in the financial statements. An
¹ãÀ •ããúÞã Ôããä½½ããäÊã¦ã Öõý ÊãñŒãã-¹ãÀãèàãã ‡ãñŠ ‚ãâ¦ãØãæ㠹ãƺãâ£ã¶ã ´ãÀã ¹ãƾãì‡ã‹¦ã audit also includes assessing the accounting
ÊãñŒãã-ãäÔã®ãâ¦ããò ¦ã©ãã ¹ãƽãìŒã ‚ãã‡ãŠÊã¶ããò ‡ãŠã ãä¶ã£ããÃÀ¥ã ¦ã©ãã Ôã½ãØãÆ principles used and significant estimates made
ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ‡ãŠãè ¹ãÆÔ¦ãìãä¦ã ‡ãŠã ½ãîʾããâ‡ãŠ¶ã ¼ããè ãä‡ãŠ¾ãã •ãã¦ãã Ööý by management, as well as evaluating the overall
financial statements. We believe that our audit
Ö½ãò ãäÌãÍÌããÔã Öõ ãä‡ãŠ Ö½ããÀã ÊãñŒãã-¹ãÀãèàãã ‡ãŠã¾ãà ֽããÀñ ‚ããä¼ã½ã¦ã ‡ãñŠ provides a reasonable basis for our opinion.
ãäÊㆠ†‡ãŠ Ôã½ãìãäÞã¦ã ‚ãã£ããÀ ¹ãƪã¶ã ‡ãŠÀ¦ãã Ööý
3. We have jointly audited the financial statements of
3. Ö½ã¶ãñ 13 ‚㶾ã Ôãâ¾ãì‡ã‹¦ã ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãñŠ Ôãã©ã ºãö‡ãŠ ‡ãñŠ ãäÌ㦦ããè¾ã the Bank along with 13 other joint auditors, whose
ãäÌãÌãÀ¥ããò ‡ãŠãè ÊãñŒãã-¹ãÀãèàãã ‡ãŠãè Öõ, ãä•ãÔã‡ãñŠ ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ½ãò financial statements reflect total assets of
31 ½ããÞãà 2009 ‡ãŠãñ Á. 9,64,432 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãìŠÊã ‚ãããäÔ¦ã¾ããú Rs. 9,64,432 crores as at 31st March 2009, and total
revenue of Rs. 76,479 crores and net cash flows
‚ããõÀ Á. 76,479 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãìŠÊã ‚ãã¾ã ‚ããõÀ ƒÔããè ¦ããÀãèŒã ‡ãŠãñ
amounting to Rs. 32,925 crores for the year then ended.
Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠÁ. 32,925 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã ‡ãñŠ ãä¶ãÌãÊã
¶ã‡ãŠªãè ¹ãÆÌããÖ ã䪌ãㆠØㆠÖöý 4. We have also audited the financial statements of
one of the subsidiary whose financial statements
4. Ö½ã¶ãñ †‡ãŠ †ñÔããè ‚ã¶ãìÓãâØããè ‡ãñŠ ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã ¼ããè reflect total assets of Rs. 730 crores as at
‡ãŠãè Öõ ãä•ãÔã‡ãñŠ ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ½ãò 31 ½ããÞãà 2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ 31st March 2009, total revenue of Rs. 57 crores
and net cash flows amounting to Rs. 34 crores
‚ã¶ãìÔããÀ Á. 730 ‡ãŠÀãñ¡ü ‡ãŠãè ‡ãìŠÊã ‚ãããäÔ¦ã¾ããâ, Á. 57 ‡ãŠÀãñ¡ü ‡ãŠãè
for the year then ended.
‡ãìŠÊã ‚ãã¾ã ‚ããõÀ ƒÔããè ¦ããÀãèŒã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠÁ. 34 ‡ãŠÀãñ¡ü
‡ãŠãè ÀããäÍã ‡ãñŠ ãä¶ãÌãÊã ¶ã‡ãŠªãè ¹ãÆÌããÖ ‡ãŠãñ ã䪌ãã¾ãã Øã¾ãã Öõý 5. We did not audit the financial statements of its
Subsidiaries, Associates and Joint Ventures whose
5. Ö½ã¶ãñ ƒ¶ã‡ãŠãè ‚ã¶ãìÓãâãäØã¾ããò, ÔãÖ¾ããñãäØã¾ããò ‚ããõÀ Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‡ãñŠ ãäÌ㦦ããè¾ã financial statements reflect total assets of
ãäÌãÌãÀ¥ããò ‡ãŠãè ÊãñŒãã ¹ãÀãèàãã ¶ãÖãé ‡ãŠãè, ãä•ã¶ã½ãò 31 ½ããÞãà 2009 ‡ãŠãñ Rs. 3,36,451 crores as at 31st March 2009, and total
revenue of Rs. 36,395 crores and net cash flows
Á. 3,36,451 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãìŠÊã ‚ãããäÔ¦ã¾ããú ‚ããõÀ Á. 36,395 ‡ãŠÀãñü¡
amounting to Rs. 2,311 crores for the year then
‡ãŠãè ‡ãìŠÊã ‚ãã¾ã ‚ããõÀ „Ôããè ¦ããÀãèŒã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠended. These financial statements have been
Á. 2,311 ‡ãŠÀãñü¡ ‡ãñŠ ãä¶ãÌãÊã ¶ã‡ãŠªãè ¹ãÆÌããÖ ã䪌ãㆠØㆠÖöý ƒ¶ã audited by other auditors whose reports have been
ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ‡ãŠãè ÊãñŒãã-¹ãÀãèàã㠂㶾ã ÊãñŒãã-¹ãÀãèàã‡ãŠãò ´ãÀã ‡ãŠãè furnished to us, and our opinion, insofar as it relates
to the amounts included in respect of other entities,
ØãƒÃ Öõ, ãä•ã¶ã‡ãŠãè ãäÀ¹ããñ›Ã Ö½ãò ¹ãÆÔ¦ãì¦ã ‡ãŠãè ØãƒÃ Öö ‚ããõÀ •ãÖãâ ¦ã‡ãŠ ‚㶾ã
are based solely on the report of the other auditors.
ƒ‡ãŠãƒ¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò Íãããä½ãÊã ÀããäÍã¾ããò ‡ãŠã ÔãÌããÊã Öõ, „¶ã‡ãñŠ ºããÀñ
½ãò Ö½ããÀã ‚ããä¼ã½ã¦ã ¹ãî¥ãà ¹ã Ôãñ ‚㶾ã ÊãñŒãã-¹ãÀãèàã‡ãŠãò ´ãÀã ¹ãÆÔ¦ãì¦ã 6. We have also relied on the un-audited financial
statements of 2 (two) subsidiaries, 1 (one) associate
ãäÀ¹ããñ›Ã ¹ãÀ ‚ãã£ãããäÀ¦ã Öõý
and 1 (one) joint venture, whose financial
6. Ö½ã¶ãñ 2 (ªãñ) ‚ã¶ãìÓãâãäØã¾ããò, 1 (†‡ãŠ) ÔãÖ¾ããñØããè ‚ããõÀ 1 (†‡ãŠ) Ôãâ¾ãì‡ã‹¦ã statements reflect total assets of Rs. 3,213 crores
as at 31st March 2009, total revenue of Rs. 162
„²ã½ã ‡ãñŠ ‚ãÊãñŒãã¹ãÀãèãäàã¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò, ãä•ã¶ã½ãò 31 ½ããÞãà 2009
crores and net cash flows amounting to Rs. 373
‡ãŠãñ Á. 3,213 ‡ãŠÀãñü¡ ‡ãŠãè ‡ãìŠÊã ‚ãããäÔ¦ã¾ããú, Á. 162 ‡ãŠÀãñü¡ ‡ãŠãè crores for the year then ended.
‡ãìŠÊã ‚ãã¾ã ‚ããõÀ „Ôããè ¦ããÀãèŒã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ Á. 373 ‡ãŠÀãñü¡
7. We report that the consolidated financial statements
‡ãñŠ ãä¶ãÌãÊã ¶ã‡ãŠªãè ¹ãÆÌããÖ ¹ãƪãäÍãæã ãä‡ãŠ† ØㆠÖö, ‡ãŠãñ ¼ããè ‚ã¹ã¶ããè
have been prepared by the Bank's management in
ÊãñŒãã ¹ãÀãèàãã ½ãò Íãããä½ãÊã ãä‡ãŠ¾ãã Öõý accordance with the requirement of Accounting
Standard 21-Consolidated Financial Statements,
7. Ö½ã ãäÀ¹ããñ›Ã ‡ãŠÀ¦ãñ Öö ãä‡ãŠ Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ‡ãŠãñ, ºãö‡ãŠ ¹ãƺãâ£ã¶ã
Accounting Standard 23-Accounting for investment
´ãÀã ¼ããÀ¦ããè¾ã Ôã¶ãªãè ÊãñŒãã‡ãŠãÀ ÔãâÔ©ãã¶ã ´ãÀã ãä¶ã£ããÃãäÀ¦ã ÊãñŒãã ½ãã¶ã‡ãŠ- in Associates in Consolidated Financial Statements
21-Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã, ÊãñŒãã ½ãã¶ã‡ãŠ-23 Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã and Accounting Standard 27-Financial Reporting

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WpZOrY ∫J>uJ> Vvõ@‚ (_Xuq@‚O) SBI (Consolidated)

ãäÌãÌãÀ¥ã ½ãò, ÔãÖ¾ããñãØä ã¾ããò ½ãò ãä¶ãÌãñÍã ‡ãŠã ÊãñŒãã ‚ããõÀ ÊãñŒãã ½ãã¶ã‡ãŠ- of Interest in Joint Ventures prescribed by the
Institute of Chartered Accountants of India and the
27-Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ½ãò ãä֦㠇ãŠãè ãäÌ㦦ããè¾ã ãäÀ¹ããñ›Ã ‡ãñŠ ‚ã¶ãìÔããÀ, ¼ããÀ¦ããè¾ã
requirements of Reserve Bank of India.
ãäÀ•ü ãÌãà ºãö‡ãŠ ‡ãŠãè ‚ã¹ãñàãã‚ããò ‡ãñŠ ‚ã¶ãìÔããÀ ¦ãõ¾ããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõý
8. Based on our audit and consideration of report of
8. ‚ã¹ã¶ããè ÊãñŒãã ¹ãÀãèàãã ‚ããõÀ ãä¼ã¸ã-ãä¼ã¸ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ¹ãÀ ‚㶾ã other auditors on separate financial statements and
ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã ‚ãÊãñŒãã ¹ãÀãèãäàã¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ããò ‚ããõÀ on consideration of the unaudited financial
„Ôã‡ãñŠ Ü㛇ãŠãò ‡ãŠãè ‚ã¶¾ã ãäÌ㦦ããè¾ã •ãã¶ã‡ãŠãÀãè ¹ãÀ ãäÌãÞããÀ ‡ãŠÀ¶ãñ ¹ãÀ statements and on the other financial information
of the components, and to the best of our information
¦ã©ãã Ö½ãò ¹ãƪã¶ã ‡ãŠãè ØãƒÃ ÔãîÞã¶ãã †Ìãâ Ô¹ãÓ›ãè‡ãŠÀ¥ããò ‡ãñŠ ‚ãã£ããÀ ¹ãÀ and explanations given to us we are of the opinion
Ö½ããÀã ãäÌãÞããÀ Öõ ãä‡ãŠ ÔãâÊãضã Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã - ¼ããÀ¦ã that the attached Consolidated Financial Statements,
½ãò Ôãã½ã㶾ã¦ã¾ãã ÔÌããè‡ãðŠ¦ã ÊãñŒãã-¹ãÀãèàãã ãäÔã®ãâ¦ããò ‡ãñŠ ‚ã¶ãì¹ã ÔãÖãè give a true and fair view in conformity with the
†Ìãâ ãä¶ãªãóÓã ãäÞã¨ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãã Öõ: accounting principles generally accepted in India:
a. in the case of the Consolidated Balance Sheet
‡ãŠ. 31 ½ããÞãà 2009 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠÔã½ãîÖ ‡ãŠãè ãäÔ©ããä¦ã on the state of affairs of the Group as at
‡ãñŠ Ôãâºãâ£ã ½ãò Ôã½ãñãä‡ãŠ¦ã ¦ãìÊã¶ã ¹ã¨ã; 31st March 2009;
b. in the case of the Consolidated Profit and
Œã. ƒÔããè Ôã½ã¾ã Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠÔã½ãîÖ ‡ãñŠ Ôã½ãñãä‡ãŠ¦ã Êãã¼ã Loss account of the consolidated profit of the
‚ããõÀ Öããä¶ã Œãã¦ãñ ½ãò Ôã½ãñãä‡ãŠ¦ã Êãã¼ã ‡ãñŠ Ôãâºãâ£ã ½ãò; Group for the year ended on that date; and

Øã. ƒÔããè Ôã½ã¾ã Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠÔã½ãñãä‡ãŠ¦ã ¶ã‡ãŠªãè ¹ãÆÌããÖ ãäÌãÌãÀ¥ã c. in the case of the Consolidated Cash Flow
Statement of the Cash Flows of the Group
½ãò Ôã½ãîÖ ‡ãñŠ ¶ã‡ãŠªãè ¹ãÆÌããÖý for the year ended on that date.

‡ãðŠ¦ãñ ‚ããÀ. •ããè. †¶ã. ¹ãÆãƒÔã †¥¡ ‡ã⊹ã¶ããè For R. G. N. Price & Co.
Ôã¶ãªãè ÊãñŒãã‡ãŠÀ Chartered Accountants

¹ããè. †½ã. ÌããèÀ½ããä¥ã P. M. Veeramani

(¼ããØããèªãÀ) (Partner)
ÔãªÔ¾ã¦ãã Ôãâ. : 023933 Membership No. : 023933

Ô©ãã¶ã : ‡ãŠãñÊã‡ãŠã¦ãã Place : Kolkata

ã䪶ããâ‡ãŠ : 9 ½ãƒÃ 2009 Dated : 9th May 2009

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 Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ
State Bank Group

¶ãƒÃ ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ÔãâÀÞã¶ãã

(ºãñÔãÊã - II)
New Capital Adequacy Framework
(Basel - II)

Ô¦ãâ¼ã - III (ºãã•ããÀ ‚ã¶ãìÍããÔã¶ã)

¹ãƇ㊛ãè‡ãŠÀ¥ã
Pillar - III (Market Discipline)
Disclosures

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 Ô¦ãâ¼ã III ‡ãñŠ ‚ãâ¦ãØãæã
¶ãƒÃ ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ÔãâÀÞã¶ãã Ôãâºãâ£ããè ¹ãƇ㊛ãè‡ãŠÀ¥ã
¦ãããäÊã‡ãŠã ¡ã膹ãŠ-1
‡ãŠã¾ããöÌã¾ã¶ã àãñ¨ã
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã :
(‡ãŠ) Ôã½ãîÖ ‡ãñŠ ÍããèÓãà ºãö‡ãŠ ‡ãŠã ¶ãã½ã ãä•ãÔã ¹ãÀ ¾ãÖ ÔãâÀÞã¶ãã ÊããØãî Öãñ¦ããè Öõ: ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ
(Œã) ÊãñŒãã‡ãŠÀ¥ã †Ìãâ ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¹ãñàãã‚ããò ‡ãñŠ ãäÊㆠÔã½ãñ‡ãŠ¶ã ‡ãñŠ ‚ãã£ããÀ ½ãò ãäÌããä¼ã¸ã¦ãã‚ããò ‡ãŠã ÔããÀãâÍã ‚ããõÀ Ôã½ãîÖ ‡ãñŠ ‚ãâ¦ãØãæã Ôããä½½ããäÊã¦ã ÔãâÔ©ãã‚ããò ‡ãŠã Ôãâãäà㹦ã ãäÌãÌãÀ¥ã
Ôã½ãîÖ ‡ãñŠ Ôã½ãñãä‡ãŠ¦ã ãäÌ㦦ããè¾ã ãäÌãÌãÀ¥ã ¼ããÀ¦ã ½ãò Ôãã½ã㶾ã¦ã¾ãã ½ã㶾ã ÊãñŒãã‡ãŠÀ¥ã ãäÔã®ãâ¦ããò ãä•ãÔã½ãò ÔããâãäÌããä£ã‡ãŠ ¹ãÆãÌã£ãã¶ã, ãäÌããä¶ã¾ãã½ã‡ãŠ/¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ãäªÍãããä¶ãªóÍã, ÊãñŒãã½ãã¶ã‡ãŠ/‚ããƒÔãã膂ãム´ãÀã •ããÀãè
½ããØãêÍãÇ㊠ã䛹¹ããä¥ã¾ããú Íãããä½ãÊã Öö, ‡ãñŠ ‚ã¶ãì¹ã Ööý Ô›ñ› ºãö‡ãŠ Ôã½ãîÖ ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ‚ã¶ãìÓãâãäØã¾ããú/Ôãâ¾ãì‡ã‹¦ã „²ã½ã †Ìãâ ÔãÖ¾ããñØããè Öõâý
(i) ¹ãî¥ãæã: Ôã½ãñãä‡ãŠ¦ã : ãä¶ã½¶ããäÊããäŒã¦ã ‚ã¶ãìÓãâãäØã¾ããò †Ìãâ Ôãâ¾ãì‡ã‹¦ã „²ã½ããò (•ããñ ‚ã¶ãìÓãâãäØã¾ããú ¼ããè Öö) ‡ãŠãñ ÊãñŒãã½ãã¶ã‡ãŠ ††Ôã 21 ‡ãñŠ ‚ã¶ãìÔããÀ ‚ãàãÀÍã: Ôã½ãñãä‡ãŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý
‰ãŠ½ããâ‡ãŠ ¶ãã½ã Øããä¦ããäÌããä£ã £ãããäÀ¦ãã
ªñÍããè¾ã
1 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ºããè‡ãŠã¶ãñÀ †â¡ •ã¾ã¹ãìÀ ºãöãä‡ãâŠØã 75.07%
2 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÖõªÀãºã㪠ºãöãä‡ãâŠØã 100.00%
3 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ½ãõÔãîÀ ºãöãä‡ãâŠØã 92.33%
4 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ƒâªãõÀ ºãöãä‡ãâŠØã 98.05%
5 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ¹ãã䛾ããÊãã ºãöãä‡ãâŠØã 100.00%
6 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ›ÈãÌã¥ã‡ãŠãñÀ ºãöãä‡ãâŠØã 75.01%
7 Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È (13.08.08 ¦ã‡ãŠ) ºãöãä‡ãâŠØã 100.00%
8 †Ôã ºããè ‚ãムÔããè ‚ãムºãö‡ãŠ ãäÊããä½ã›ñ¡ ºãöãä‡ãâŠØã 100.00%
9 †Ôã ºããè ‚ãム‡ãõŠãä¹ã›Êã ½ãã‡ãóŠ›Ôã ãäÊããä½ã›ñ¡ ØãõÀ-ºãöãä‡ãâŠØã ãäÌ㦦ããè¾ã ‡ãâŠ. 86.16%
10 †Ôã ºããè ‚ãム‡ãõŠ¹ã ãäÔã‡ã‹¾ãìãäÀ›ãè•ã ãäÊããä½ã›ñ¡ ØãõÀ-ºãöãä‡ãâŠØã ãäÌ㦦ããè¾ã ‡ãâŠ. 86.16%
11 †Ôã ºããè ‚ãム‡ãõŠ¹ã ›ÈÔ›ãè ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡ ØãõÀ-ºãöãä‡ãâŠØã ãäÌ㦦ããè¾ã ‡ãâŠ. 86.16%
12 †Ôã ºããè ‚ãム‡ãõŠ¹Ôã ÌãòÞãÔãà ãäÊããä½ã›ñ¡ ØãõÀ-ºãöãä‡ãâŠØã ãäÌ㦦ããè¾ã ‡ãâŠ. 86.16%
13 †Ôã ºããè ‚ãム‡ãŠã¡áÃÔ㠆⡠¹ãñ½ãò› ÔããäÌãÃÔãñ•ã ãäÊããä½ã›ñ¡ ØãõÀ-ºãöãä‡ãâŠØã ãäÌ㦦ããè¾ã ‡ãâŠ. 60.00%
14 †Ôã ºããè ‚ãム¡ãè †¹ãŠ †Þã ‚ãムãäÊããä½ã›ñ¡ ¹ãÆã©ããä½ã‡ãŠ ¡ãèÊãÀ 65.95%
15 †Ôã ºããè ‚ãム¹ãõŠ‡ã‹›Ôãà †â¡ ‡ãŠ½ããäÍãþãÊã ÔããäÌãÃÔãñÔã ãäÊããä½ã›ñ¡ ¹ãõŠ‡ã‹›ãäÀâØã 69.88%
16 †Ôã ºããè ‚ãム¹ã⊡áÔã ½ãõ¶ãñ•ã½ãò› ãäÊããä½ã›ñ¡ ½¾ãîÞãì‚ãÊã ¹ã⊡ 63.00%
17 †Ôã ºããè ‚ãム†½ã †¹ãŠ ›ÈÔ›ãè ‡ãâŠ. ¹ãÆã. ãäÊããä½ã›ñ¡ ½¾ãîÞãì‚ãÊã ¹ã⊡ ¶¾ããÔããè 100.00%
18 †Ôã ºããè ‚ãムÊãヹ㊠ƒâ;ããñÀòÔã ‡ãâŠ.ãäÊããä½ã›ñ¡ ºããè½ãã 74.00%
19 ØÊããñºãÊã ›Èñ¡ ¹ãŠãƒ¶ãòÔã ãäÊããä½ã›ñ¡ ¹ãõŠ‡ã‹›ãäÀâØã 92.85%
20 †Ôã ºããè ‚ãム¹ãòÍã¶ã ¹ãŠ¥¡Ôãá ¹ãÆã. ãäÊã. ½¾ãîÞãì‚ãÊ㠹㊥¡Ôãá 96.85%
21 †Ôã ºããè ‚ãム‡ãŠÔ›ãñã䡾ãÊã ÔããäÌãÃÔãñÔã ¹ãÆã. ãäÊã. — 100.00%
22 †Ôã ºããè ‚ãムÔãã£ããÀ¥ã ºããè½ãã ‡ã⊹ã¶ããè ãäÊã. ºããè½ãã 100.00%
ãäÌãªñÍããè
23 †Ôã ºããè ‚ããƒ, ‡ãŠ¶ãã¡ã ºãöãä‡ãâŠØã 100.00%
24 †Ôã ºããè ‚ããƒ, ‡ãõŠãäÊã¹ãŠãñãä¶ãþãã ºãöãä‡ãâŠØã 100.00%
25 †Ôã ºããè ‚ãムƒâ›À¶ãñÍã¶ãÊã (½ããÀãèÍãÔã) ãäÊããä½ã›ñ¡ ºãöãä‡ãâŠØã 93.40%
26 ‡ãŠ½ããäÍãþãÊã ºãö‡ãŠ ‚ããù¹ãŠ ƒâã䡾ãã †Êã†ÊãÔããè ½ããùÔ‡ãŠãñ ºãöãä‡ãâŠØã 60.00%
27 ¹ããè ›ãè ºãö‡ãŠ ƒâ¡ãñ ½ããù¶ãñ‡ã‹Ôã ãäÊããä½ã›ñ¡ ƒâ¡ãñ¶ãñãäÍã¾ãã ºãöãä‡ãâŠØã 76.00%
28 †Ôã ºããè ‚ãム¹ã⊡áÔã ½ãõ¶ãñ•ã½ãò› (ƒâ›À¶ãñÍã¶ãÊã) ãäÊããä½ã›ñ¡ ½¾ãîÞãì‚ãÊã ¹ã⊡ 63.00%
29 †Ôã ºããè ‚ãム‡ãõŠ¹ã (¾ãî ‡ãñŠ) ãäÊããä½ã›ñ¡ ØãõÀ-ºãöãä‡ãâŠØã ãäÌã.‡ãâŠ. 86.16%
(ii) ‚ãã¶ãì¹ãããä¦ã‡ãŠ ‚ãã£ããÀ ¹ãÀ Ôã½ãñãä‡ãŠ¦ã :
•ããñ ÔãâÔ©ãã†ú Ôãâ¾ãì‡ã‹¦ã „²ã½ã Öö, „¶ã‡ãŠã Ôã½ãñ‡ãŠ¶ã ÊãñŒãã ½ãã¶ã‡ãŠ-††Ôã 27 ‡ãñŠ ‚ã¶ãìÔããÀ ‚ãã¶ãì¹ãããä¦ã‡ãŠ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõý
‰ãŠ½ããâ‡ãŠ ¶ãã½ã Øããä¦ããäÌããä£ã £ãããäÀ¦ãã
ªñÍããè¾ã
1 •ããè ƒÃ ‡ãõŠãä¹ã›Êã ãäºã•ã¶ãñÔã ¹ãÆãñÔãñÔã
½ãõ¶ãñ•ã½ãò› ÔããäÌãÃÔãñ•ã ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ ºããè¹ããè‚ããñ 40.00%
2 Ôããè-†•ã ›ñ‡ã‹¶ããñÊããù•ããèÔã ãäÊããä½ã›ñ¡ Ôããù¹ã‹›Ìãñ¾ãÀ ÔãñÌãã†ú 49.00%
(iii) Ô›ñ› ºãö‡ãŠ ‡ãŠãè Ôã¼ããè ‚ã¶ãìÓãâãäØã¾ããò, Ôãâ¾ãì‡ã‹¦ã „²ã½ããò †Ìãâ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãŠã Ôã½ãñ‡ãŠ¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒÔããäÊㆠ†ñÔããè ‡ãŠãñƒÃ ¼ããè ÔãâÔ©ãã ¶ãÖãé Öõ ãä•ãÔãñ Ôã½ãñ‡ãŠ¶ã ½ãò Íãããä½ãÊã ¶ã ãä‡ãŠ¾ãã Øã¾ãã Öãñý „¹ã¾ãÃì‡ã‹¦ã ‚ã¶ãìÓãâãäØã¾ããò †Ìãâ
Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ‡ãñŠ ‚ãÊããÌãã, ãä¶ã½¶ããäÊããäŒã¦ã ÔãÖ¾ããñãäØã¾ããâñ ‡ãŠã Ôã½ãñ‡ãŠ¶ã ÊãñŒãã ½ãã¶ã‡ãŠ 23 ‡ãñŠ ‚ã¶ãìÔããÀ ƒÃãä‡ã‹Ìã›ãè ÊãñŒãã‡ãŠÀ¥ã ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã Øã¾ãã Öõý

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 NEW CAPITAL ADEQUACY FRAMEWORK
DISCLOSURES UNDER PILLAR III AS ON 31.03.2009
TABLE DF-1
SCOPE OF APPLICATION
Qualitative Disclosures: As on 31.03.2009
(a) The name of the Top Bank in the Group to which the Framework applies: State Bank of India
(b) An outline of differences in the basis of consolidation for accounting and regulatory purposes, with a brief description of
the entities within the Group
The consolidated Financial Statements of the Group conform to Generally Accepted Accounting Principles (GAAP) in India,
which comprise the statutory provisions, Regulatory/Reserve Bank of India (RBI) Guidelines, Accounting Standards/Guidance
Notes issued by the Institute of Chartered Accountants of India (ICAI). The following Subsidiaries/Joint Ventures and Associates
constitute the State Bank Group.
(i) That are fully consolidated: The following Subsidiaries and Joint Ventures (which are also Subsidiaries) are fully
consolidated on a line by line basis as per Accounting Standard AS 21.

Sr. No Name Activity Holding

DOMESTIC
1 State Bank of Bikaner and Jaipur Banking 75.07%
2 State Bank of Hyderabad Banking 100.00%
3 State Bank of Mysore Banking 92.33%
4 State Bank of Indore Banking 98.05%
5 State Bank of Patiala Banking 100.00%
6 State Bank of Travancore Banking 75.01%
7 State Bank of Saurashtra (upto 13.08.08) Banking 100.00%
8 SBICI Bank Ltd. Banking 100.00%
9 SBI Capital Markets Ltd. NBFC 86.16%
10 SBI CAP Securities Ltd. NBFC 86.16%
11 SBI CAP Trustee Company Ltd. NBFC 86.16%
12 SBI CAPS Ventures Ltd. NBFC 86.16%
13 SBI Cards & Payment Services Ltd. NBFC 60.00%
14 SBIDFHI Ltd. Primary Dealers 65.95%
15 SBI Factors & Commercial Services Ltd. Factoring 69.88%
16 SBI Funds Management Ltd. Mutual Funds 63.00%
17 SBI MF Trustee Co. Pvt. Ltd. MF Trustees 100.00%
18 SBI Life Insurance Co. Ltd. Insurance 74.00%
19 Global Trade Finance Ltd Factoring 92.85%
20 SBI Pension Funds Pvt Ltd. Mutual Funds 96.85%
21 SBI Custodial Services Pvt Ltd. Custodial Service 100.00%
22 SBI General Insurance Company Ltd Insurance 100.00%
OVERSEAS
23 SBI, Canada Banking 100.00%
24 SBI, California Banking 100.00%
25 SBI International (Mauritius) Ltd. Banking 93.40%
26 Commercial Bank of India LLC Moscow Banking 60.00%
27 PT Bank Indo Monex Ltd., Indonesia Banking 76.00%
28 SBI Funds Management (Intl.) Ltd. Mutual Funds 63.00%
29 SBI CAP (UK) Ltd. NBFC 86.16%

(ii) That are pro-rata consolidated:

The entities that are joint Ventures are consolidated pro rata as per Accounting Standard – AS 27.
Sr. No Name Activity Holding
DOMESTIC
1 GE Capital Business Process Management
Services Pvt. Ltd. BPO 40.00%
2 C-Edge Technologies Ltd. Software Services 49.00%
(iii) All the Subsidiaries, Joint Ventures and Associates of State Bank are consolidated. Hence there is no entity, which is
excluded from consolidation. In addition to the above-mentioned Subsidiaries and Joint Ventures, the following Associates
are consolidated as per Equity Accounting in terms of AS 23.

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 ‰ãŠ½ããâ‡ãŠ ¶ãã½ã Øããä¦ããäÌããä£ã £ãããäÀ¦ãã
1 ãä‡ã‹Êã¾ããäÀâØã ‡ãŠã¹ããóÀñÍã¶ã ‚ããù¹ãŠ ƒâã䡾ãã ãäÊã. Ôã½ããÍããñ£ã¶ã 28.97%
2 ¾ãî ›ãè ‚ãム†Ôãñ› ½ãõ¶ãñ•ã½ãò› ‡ã⊹ã¶ããè ¹ãÆã.ãäÊã. ‚ãããäԦ㠹ãƺãâ£ã¶ã 25.00%
3 †Ôãºããè‚ãムÖãñ½ã ¹ãŠãƒ¶ãöÔã ãäÊããä½ã›ñ¡ ‚ããÌããÔã ãäÌ㦦ã 25.05%
4 †Ôã †Ôã ÌãòÞãÔãà ãäÊããä½ã›ñ¡ ÌãòÞãÀ ¹ãîú•ããè ãäÌ㦦ããè¾ã¶ã 43.08%
5 ¶ãñ¹ããÊã †Ôãºããè‚ãムºãö‡ãŠ ãäÊããä½ã›ñ¡ ºãöãä‡ãâŠØã 50.00%
6 ºãö‡ãŠ ‚ããù¹ãŠ ¼ãî›ã¶ã ºãöãä‡ãâŠØã 20.00%
7 ‚ããâ£ãÆ ¹ãƪñÍã ØãÆã½ããè¥ã ãäÌã‡ãŠãÔã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
8 ‚ãÁ¥ããÞãÊã ¹ãƪñÍã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
9 œ¦¦ããèÔãØãü¤ ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
10 ƒÊãã‡ãŠãƒÃ ªñÖã¦ããè ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
11 ‡ãŠã ºãö‡ãŠ ¶ããâØããä‡ã⊡ãúØã Àãè ŒãÔããè •ãõ¶ãã䛾ãã ºãöãä‡ãâŠØã 35.00%
12 ‡ãðŠÓ¥ãã ÂÀÊã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
13 Êãâعããè ªñÖãâØããè ÂÀÊã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
14 ½ã£¾ã ¼ããÀ¦ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
15 ãä½ã•ããñÀ½ã ÂÀÊã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
16 ¶ããØããÊãö¡ ÂÀÊã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
17 ¹ãÌãæããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
18 ¹ãîÌããÄÞãÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
19 Ôã½ãÔ¦ããè¹ãìÀ àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
20 „¦‡ãŠÊã ØãÆ㽾㠺ãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
21 „¦¦ãÀãâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
22 Ìã¶ããâÞãÊã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
23 ãäÌããäªÍãã ¼ããñ¹ããÊã àãñ¨ããè¾ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 34.32%
24 ½ããÀÌããü¡ ØãâØãã¶ãØãÀ ºããè‡ãŠã¶ãñÀ ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 26.27%
25 ¡ñ‡ã‹‡ãŠ¶ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
26 ‡ãŠãÌãñÀãè ‡ãŠÊ¹ã¦ã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 32.32%
27 ½ããÊãÌãã ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
28 ÔããõÀãÓ›È ØãÆã½ããè¥ã ºãö‡ãŠ ºãöãä‡ãâŠØã 35.00%
ÊãñŒãã‡ãŠÀ¥ã †Ìãâ ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãƾããñ•ã¶ããò ‡ãñŠ ãäÊㆠÔã½ãñ‡ãŠ¶ã ‡ãñŠ ‚ãã£ããÀ ½ãò ‚ãâ¦ãÀ
ãäÌããä¶ã¾ãã½ã‡ãŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ Ôã½ãñãä‡ãŠ¦ã ºãö‡ãŠ, Ôã½ãîÖ ‡ãŠãè „¶ã ‡ã⊹ããä¶ã¾ããò ‡ãŠãñ Ôã½ãñ‡ãŠ¶ã Ôãñ ºããÖÀ ÀŒã Ôã‡ãŠ¦ãã Öõ •ããñ ºããè½ãã ̾ãÌãÔãã¾ã †Ìãâ †ñÔãñ ̾ãÌãÔãã¾ã Ôãñ •ãìü¡ãè Öö •ããñ ãäÌ㦦ããè¾ã ÔãñÌãã‚ããò Ôãñ Ôãâºãâãä£ã¦ã
¶ãÖãé Öõý ƒÔããäÊㆠÔã½ãñãä‡ãŠ¦ã ãäÌãÌãñ‡ãŠ¹ãî¥ãà ãäÀ¹ããñãä›ÄØã ¹ãƾããñ•ã¶ããò Ôãñ ãä¶ã½¶ããäÊããäŒã¦ã ÔãâÔ©ãã‚ããò ½ãò Ôã½ãîÖ ‡ãñŠ ãä¶ãÌãñÍããò ‡ãŠãñ ÊããØã¦ã ‚ãã£ããÀ ¹ãÀ ãäÊã¾ãã Øã¾ãã Öõ ‚ããõÀ „Ôã½ãò Ôãñ àãÀ¥ã ‡ãŠãñ Üã›ã¾ãã Øã¾ãã Öõý
‰ãŠ½ããâ‡ãŠ Ôãâ¾ãì‡ã‹¦ã „²ã½ã ‡ãŠã ¶ãã½ã Ôã½ãîÖ ‡ãŠã ãäÖÔÔãã (%)
1 Ôããè †•ã ›ñ‡ã‹¶ããñÊããù•ããèÔã ¹ãÆãƒÌãñ› ãäÊããä½ã›ñ¡ 49.00
2 •ããè ƒÃ ‡ãõŠãä¹ã›Êã ãäºããä•ã¶ãñÔã ¹ãÆãñÔãñÔã ½ãõ¶ãñ•ã½ãò› ÔããäÌãÃÔãñ•ã ¹ãÆã.ãäÊã. 40.00
3 †Ôã ºããè ‚ãムÊãヹ㊠ƒâÍããñÀòÔã ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡ 74.00
½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã :
(Øã) Ôã¼ããè ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãè ¹ãîú•ããè ‚ã¼ããÌã ‡ãŠãè ‡ãìŠÊã ÀããäÍã ‡ãŠãñ Ôã½ãñ‡ãŠ¶ã ½ãò Íãããä½ãÊã ¶ãÖãé ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ã©ããæãá ƒ¶Öò Ö›ã ã䪾ãã Øã¾ãã Öõ †Ìãâ †ñÔããè ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠã ¶ãã½ã(‡ãñŠ ¶ãã½ã) : ‡ãŠãñƒÃ ¶ãÖãé
(Üã) ºããè½ãã ÔãâÔ©ãã‚ããò ½ãò ºãö‡ãŠ ‡ãñŠ ‡ãìŠÊã ãäÖÔÔãñ ‡ãŠãè ‡ãìŠÊã ÀããäÍã¾ããú (‚ã©ããæãá Ìã¦ãýãã¶ã ºãÖãè-½ãîʾã) •ããñ •ããñãäŒã½ã ¼ãããäÀ¦ã Öö, „¶ã‡ãñŠ ¶ãã½ã, „¶ã‡ãŠñ ãä¶ãØã½ã¶ã ¾ãã ãä¶ãÌããÔã ‡ãŠã ªñÍã, ÔÌãããä½ã¦Ìã ãäÖÔÔãñ ‡ãŠã ‚ã¶ãì¹ãã¦ã, ‚ããõÀ ¾ããäª ãä¼ã¸ã
Öãñ ¦ããñ ƒ¶ã ÔãâÔ©ãã‚ããò ½ãò ½ã¦ãããä£ã‡ãŠãÀ ‡ãŠã ‚ã¶ãì¹ãã¦ã ‚ããõÀ ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã ƒÔã ¹ãªá£ããä¦ã ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‡ãŠ›ãõ¦ããè ¹ãªá£ããä¦ã ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¶ãñ ¹ãÀ ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãîú•ããè ¹ãÀ ¹ããäÀ½ãã¥ã㦽ã‡ãŠ ¹ãƼããÌã ‡ãŠãñ ÔãîãäÞã¦ã ‡ãŠÀ¦ãã Öõ:
¶ãã½ã : †Ôã ºããè ‚ãムÊãヹ㊠ƒâ;ããñÀòÔã ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡, ½ãìâºãƒÃ
ãä¶ãØã½ã¶ã ªñÍã : ¼ããÀ¦ã
ÔÌãããä½ã¦Ìã ãäÖÔÔãã : Á. 740.00 ‡ãŠÀãñü¡ (74%)
ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãîú•ããè ¹ãÀ ¹ããäÀ½ãã¥ã㦽ã‡ãŠ ¹ãƼããÌã :
Ôã½ãñ‡ãŠ¶ã ¹ã®ãä¦ã ‡ãñŠ ‚ã£ããè¶ã : ÊããØãî ¶ãÖãé
‡ãŠ›ãõ¦ããè ¹ã®ãä¦ã ‡ãñŠ ‚ã£ããè¶ã : ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‡ãŠãè Øã¥ã¶ãã ‡ãñŠ ¹ãƾããñ•ã¶ã Ôãñ ºããè½ãã ‚ã¶ãìÓãâØããè ½ãò ãä‡ãŠ† Øㆠ‡ãìŠÊã ãä¶ãÌãñÍã ‡ãŠãñ ºãö‡ãŠ ‡ãŠãè Ñãñ¥ããè I ‚ããõÀ Ñãñ¥ããè II ‡ãŠãè ¹ãîú•ããè Ôãñ Üã›ã¾ãã Øã¾ãã Öõý

216

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 Sr. No Name Activity Holding
1 Clearing Corporation of India Ltd Clearing 28.97%
2 UTI Asset Management Co. Pvt. Ltd. Asset Management 25.00%
3 SBI Home Finance Ltd. Home Finance 25.05%
4 S.S. Ventures Ltd Venture Capital Financing 43.08%
5 Nepal SBI Bank Ltd Banking 50.00%
6 Bank of Bhutan Banking 20.00%
7 Andhra Pradesh Grameena Vikas Bank Banking 35.00%
8 Arunachal Pradesh Rural Bank Banking 35.00%
9 Chhatisgarh Gramin Bank Banking 35.00%
10 Ellaquai Dehati Bank Banking 35.00%
11 Ka Bank Nongkyndong Ri Khasi Jaintia Banking 35.00%
12 Krishna Grameena Bank Banking 35.00%
13 Langpi Dehangi Rural Bank Banking 35.00%
14 Madhya Bharat Gramin Bank Banking 35.00%
15 Mizoram Rural Bank Banking 35.00%
16 Nagaland Rural Bank Banking 35.00%
17 Parvatiya Gramin Bank Banking 35.00%
18 Purvanchal Kshetriya Gramin Bank Banking 35.00%
19 Samastipur Kshetriya Gramin Bank Banking 35.00%
20 Utkal Gramya Bank Banking 35.00%
21 Uttaranchal Gramin Bank Banking 35.00%
22 Vananchal Gramin Bank Banking 35.00%
23 Vidisha Bhopal Kshetriya Gramin Bank Banking 34.32%
24 Marwar Ganganagar Bikaner Gramin Bank Banking 26.27%
25 Deccan Grameena Bank Banking 35.00%
26 Cauvery Kalpatharu Grameena Bank Banking 32.32%
27 Malwa Gramin Bank Banking 35.00%
28 Saurashtra Grameena Bank Banking 35.00%

Differences in basis of consolidation for accounting and regulatory purposes

In terms of Regulatory Guidelines, the consolidated Bank may exclude from consolidation, Group companies which are
engaged in Insurance business and business not pertaining to Financial Services. Hence, the Group’s investments in the
under mentioned entities are taken at cost less impairment, if any, for Consolidated Prudential Reporting purposes.
Sr. No. Name of the Joint Venture Group’s Stake (%)
1 C Edge Technologies Pvt Ltd 49.00
2 GE Capital Business Process Management Services Pvt Ltd 40.00
3 SBI Life Insurance Company Ltd 74.00

Quantitative Disclosures:
(c) The aggregate amount of Capital deficiencies in all Subsidiaries not included in the consolidation i.e. that are deducted and
the name(s) of such subsidiaries: Nil
(d) The aggregate amounts (e.g. current book value) of the Bank’s total interests in Insurance entities, which are risk-weighted
as well as their name, their country of incorporation or residence, the proportion of ownership interest and, if different, the
proportion of voting power in these entities in addition, indicate the quantitative impact on Regulatory Capital of using this
method versus using the deduction:
Name: SBI Life Insurance Co. Ltd. Mumbai
Country of Incorporation: India
Ownership interest: Rs.740.00 crores (74%)
Quantitative Impact on the regulatory capital:
Under consolidation method: NA
Under deduction method: Entire investment made in the Insurance Subsidiary is reduced from Tier I & Tier II capital
of the Bank, for the purpose of Capital Adequacy calculation.

217

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 ¦ãããäÊã‡ãŠã ¡ã膹㊠- 2 :
¹ãîú•ããè ÔãâÀÞã¶ãã :
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠ¥ã
(‡ãŠ) ÔããÀãâÍã
¹ãîú•ããè ‡ãŠã ¹ãƇãŠãÀ ãäÌãÍãñÓã¦ãã†ú
ƒÃãä‡ã‹Ìã›ãè (Ñãñ¥ããè-I) ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ½ããÞãà 2008 ‡ãñŠ ªãõÀã¶ã Àホ ƒÍ¾ãî ‡ãñŠ •ããäÀ¾ãñ ‡ãìŠÊã Á. 16,722 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã (¹ãÆãèãä½ã¾ã½ã ÔããäÖ¦ã) •ãì›ãƒÃ Öõý ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã ºãö‡ãŠ ¶ãñ ‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ
‰ãŠ¾ã ¾ããñ•ã¶ãã ‡ãñŠ ¹㠽ãò Á. 542 ‡ãŠÀãñü¡ ‡ãŠãè ¹ãîâ•ããè ¼ããè •ãì›ãƒÃ Öõý
ªñÍããè ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããò ¶ãñ ƒÃãä‡ã‹Ìã›ãè ãäÊãŒã¦ããò ‡ãñŠ •ããäÀ¾ãñ ƒÃãä‡ã‹Ìã›ãè •ãì›ãƒÃ Öõý ¹ãƽãìŒã Íãñ¾ãÀ£ããÀ‡ãŠ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ Öõ, •ãºããä‡ãŠ „¶ã½ãò Ôãñ ‡ã슜 •ãõÔãñ Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ºããè‡ãŠã¶ãñÀ †â¡
•ã¾ã¹ãìÀ, Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ƒâªãõÀ, Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ½ãõÔãîÀ †Ìãâ Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ›ÈãÌã¥ã‡ãŠãñÀ ‡ãñŠ ¹ããÔã ¹ããäºÊã‡ãŠ Íãñ¾ãÀ£ãããäÀ¦ãã ¼ããè Öõý
ªñÍããè¾ã ØãõÀ-ºãöã‡ä ãâŠØã ‚ã¶ãìÓãâãØä ã¾ããò ¶ãñ ƒÃã‡ä ã‹Ìã›ãè ãäÊãŒã¦ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ƒÃã‡ä ã‹Ìã›ãè •ãì›ãƒÃ Öõý ¹ãƽãìŒã Íãñ¾ãÀ£ããÀ‡ãŠ ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ Öõ ¦ã©ã㠂㶾ã Íãñ¾ãÀ£ããÀ‡ãŠ ƒÔã ¹ãƇãŠãÀ Öö-†¡ãèºããè (†Ôãºããè‚ããƒ
‡ãõŠ¹ã - 13.84%), †Ôã•ãã膆½ã (†Ôãºããè‚ãム¹ã⊡áÔã - 37%), •ããèƒÃ ‡ãõŠãä¹ã›Êã (†Ôãºããè‚ãム‡ãŠã¡ÃÔã-40%), ãäÔ㡺ããè (†Ôãºããè‚ãム¹ãõŠ‡ã‹›Ôãà - 20%) ‚ãããäªý
¶ãÌããñ¶½ãñÓããè ãäÊãŒã¦ã (Ñãñ¥ããè-I) ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ÌãÓãà 2006-07 ¦ã©ãã 2007-08 ‡ãñŠ ªãõÀã¶ã ‚ãâ¦ãÀãÃÓ›Èã¾è ã ºãã•ããÀ ½ãò ¶ãÌããñ¶½ãñÓããè ¹ãÀ¹ãñÞãì‚ãÊã ¨ãÉ¥ã ãäÊãŒã¦ããò (‚ãヹããè¡ãè‚ããƒ) ‡ãñŠ •ããäÀ¾ãñ ¹ãî•â ããè •ãì›ãƒÃ ý ‡ã슜 ºãöã‡ä ãâŠØã ‚ã¶ãìÓãâãØä ã¾ããò
¶ãñ ¹ãÀ¹ãñÞãì‚ãÊã ¨ãÉ¥ã ãäÊãŒã¦ããò ‡ãñŠ •ããäÀ¾ãñ ¼ããè ¹ãî•ú ããè •ãì›ãƒÃý ãäÌãªñÍããè ‚ã¶ãìÓãâØããè ºãö‡ãŠãò ¶ãñ ‚ãã•ã ‡ãŠãè ¦ããÀãèŒã ½ãò ¶ãÌããñ¶½ãñÓããè ¹ãÀ¹ãñÞãì‚ãÊã ¨ãÉ¥ã ãäÊãŒã¦ããò ‡ãñŠ •ããäÀ¾ãñ Ñãñ¥ããè-I ‡ãŠãè ¹ãî•ú ããè ¶ãÖãé •ãì›ãƒÃý
Ñãñ¥ããè-II ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¦ã©ãã „Ôã‡ãŠãè ‚ã¶ãìÓãâãäØã¾ããò ¶ãñ „ÞÞã¦ãÀ ¦ã©ãã ¶¾ãî¶ã¦ãÀ Ñãñ¥ããè-II ‡ãŠãè ¹ãîú•ããè •ãì›ãƒÃý
ºã㥡ãò ‡ãñŠ ãä¶ã•ããè Ô©ãã¶ãã¹ã¸ã (¹ãÆãƒÌãñ› ¹ÊãñÔã½ãò›) ‡ãñŠ ½ã㣾ã½ã Ôãñ •ãì›ã† ØㆠØããõ¥ã ¨ãɥ㠪ãèÜããÃãäÌããä£ã, ‚ã¹ããäÀÌã¦ãöããè¾ã ‚ããõÀ Ôã½ã½ãîʾ㠹ãÀ ½ããñÞã¶ã ¾ããñؾã Ööý ƒÔã ¨ãɥ㠇ãŠãñ ºãö‡ãŠ ‡ãŠãè
Ìã¦ãýãã¶ã †Ìãâ ¼ããÌããè ÌããäÀÓŸ ¨ãÉ¥ãØãÆÔ¦ã¦ãã Ôã½ã¢ãã Øã¾ãã Öõ ‚ããõÀ ¾ãÖ Ñãñ¥ããè-II ¹ãîâ•ããè ‡ãñŠ ãäÊㆠ¹ãã¨ã Öõý
ªñÍããè¾ã ‚ã¶ãìÓãâãäØã¾ããò ‡ãñŠ ½ãã½ãÊãñ ½ãò „ÞÞã¦ãÀ Ñãñ¥ããè-2 †Ìãâ Ñãñ¥ããè-2 ºããâ¡ (†Ôãºããè‚ããƒÔããè‚ãムºãö‡ãŠ ãäÊããä½ã›ñ¡ ‡ãŠãñ œãñü¡‡ãŠÀ) ‡ãñŠ •ããäÀ¾ãñ Ñãñ¥ããè-II ‡ãŠãè ¹ãîú•ããè •ãì›ãƒÃ ØãƒÃý ¾ãñ ãäºãʇãìŠÊã Ôããªñ
ºããâ¡ Öö, ‡ãŠãñƒÃ ¹ãì› ‚ããù¹Íã¶ã ‚ã©ãÌãã ‡ãŠãùÊã ‚ããù¹Íã¶ã ¶ãÖãé Öõý ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ‡ãŠãè ¹ãîÌãà ‚ã¶ãì½ããñª¶ã ‡ãñŠ ãäºã¶ãã ºããâ¡ ‡ãŠã ½ããñÞã¶ã ¶ãÖãé ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã ý
ã䪶ããâ‡ãŠ 13 ‚ãØãÔ¦ã 2008 ‡ãŠãñ Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ‡ãŠã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ½ãò ãäÌãÊã¾ã Öãñ¶ãñ ‡ãñŠ ºããª, Ô›ñ› ºãö‡ãŠ ‚ããù¹ãŠ ÔããõÀãÓ›È ´ãÀã Á. 200 ‡ãŠÀãñ¡ü ‚ããõÀ Á. 225 ‡ãŠÀãñ¡ü ‡ãŠãè ªãñ
ÏãðŒâ ãÊãã‚ããò ½ãò •ãì›ã† ØㆠÁ. 425 ‡ãŠÀãñ¡ü ‡ãñŠ Øããõ¥ã ¨ãÉ¥ã Ö½ããÀãè ÔãîÞããè ½ãò Íãããä½ãÊã ãä‡ãŠ† ØㆠÖö ‚ããõÀ ¶ããèÞãñ ƒÔã ¦ãããäÊã‡ãŠã ½ãò ½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã ‡ãñŠ ‚ãâ¦ãØãæ㠪ÍããÆ ØㆠÖöý
†Ôã ºããè ‚ãム¹ãõŠ‡ã‹›Ôãà (Á. 40.00 ‡ãŠÀãñü¡) †Ôã ºããè ‚ãム‡ãŠã¡áÃÔã (Á. 124.80 ‡ãŠÀãñü¡) ‚ããõÀ •ããè›ã膹㊆Êã (Á. 100.20 ‡ãŠÀãñü¡) •ãõÔããè ‡ã슜 ØãõÀ-ºãöãä‡ãâŠØã ‚ã¶ãìÓãâãäØã¾ããò ¶ãñ ¼ããè
Ñãñ¥ããè-II ‡ãŠãè ¹ãîâ•ããè ‡ãñŠ ¹㠽ãò ¹ããäÀ‡ãŠãäÊã¦ã Øããõ¥ã ÔããÌããä£ã ¨ãɥ㠕ãì›ã† Ööý
ãäÌãªñÍããè ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãè Ñãñ¥ããè-II ‡ãŠãè ¹ãîâ•ããè ½ãò Øããõ¥ã ÔããÌããä£ã ãäÌãªñÍããè ‚ã¶ãìÓãâãäØã¾ããò ‡ãŠãè Ñãñ¥ããè-II ‡ãŠãè ¹ãîâ•ããè ½ãò Øããõ¥ã ÔããÌããä£ã ¨ãɥ㠂ããõÀ Ôãã½ã㶾㠹ãÆãÌã£ãã¶ã Íãããä½ãÊã Ööý
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã :
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ªñÍããè †Ìãâ ‚ãâ¦ãÀãÃÓ›Èãè¾ã ºãã•ããÀ Ôãñ Ôãâãä½ãÑã Ñãñ¥ããè-I ¹ãîú•ããè ¦ã©ãã „ÞÞã¦ãÀ †Ìãâ ãä¶ã½¶ã¦ãÀ Ñãñ¥ããè-II Øããõ¥ã ¨ãÉ¥ã ãäÊã¾ãã Öõý ¶ãÌããñ¶½ãñÓããè ‚ã©ãÌãã Ôãâãä½ãÑã ¹ãîú•ããè ãäÊãŒã¦ããò ‡ãñŠ ½ãã½ãÊãñ ½ãò Ôã¼ããè ¹ãîú•ããèØã¦ã ãäÊãŒã¦ããò ‡ãŠãè
¹ãƽãìŒã ãäÌãÍãñÓã¦ãã‚ããò ‡ãŠãè Íã¦ããô ‡ãŠã ÔããÀ ãä¶ã½¶ãã¶ãìÔããÀ Öõ :
¹ãîú•ããè ‡ãŠã ¹ãƇãŠãÀ ¹ãƽãìŒã ãäÌãÍãñÓã¦ãã†ú
ƒÃãä‡ã‹Ìã›ãè Á. 634.88 ‡ãŠÀãñü¡
ƒ¶ããñÌãñãä›Ìã •ããÀãè ‡ãŠÀ¶ãñ ‡ãŠãè ¦ããÀãèŒã ÀããäÍã (‡ãŠÀãñü¡ Á¹ã† ½ãò) ‚ãÌããä£ã (½ãÖãè¶ãñ) ‡ãã¶ã (%ÌãããäÓãÇ㊠Àñãä›âØã
¹ãÀ¹ãñÞãì‚ãÊã ¡õ› ÌãããäÓãÇ㊠‚ãã£ããÀ ¹ãÀ ªñ¾ã)
ƒâÔ›Èí½ãò›áÔã 15.02.07 ¹ãÀ¹ãñÞãì‚ãÊã ãäÌ㪠† ‡ãŠãùÊã 6.439% ºãã膆 2
Á. 2028.80 ‡ãŠÀãñü¡ 10 ÌãÓãà 3 ½ãÖãè¶ãñ ‡ãñŠ ºã㪠‚ã©ããæãá ã䪶ããâ‡ãŠ ãä½ã¡ ÔÌãõ¹ã + ½ãî¡ãè ‡ãŠãè
(400 ãä½ããäÊã¾ã¶ã 15.05.17 ‡ãŠãñ ‡ãŠãùÊã ‚ããù¹Íã¶ã ‡ãñŠ Ôãã©ã 120 ‚ãã£ããÀ ‚ãâ‡ãŠãò ‡ãñŠ ºãÀãºãÀ ºããè ºããè -
‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ) ¹ãÀ¹ãñÞãì‚ãÊã ¦ã©ãã 100 ‚ãã£ããÀ ‚ãâ‡ãŠãò ‡ãŠãè Ô›ñ¹ã †Ô㠆⡠¹ããè
‚ã¹ã ‡ãñŠ Ôãã©ã ‚ã©ããæãá ‡ãŠãùÊã ‚ããù¹Íã¶ã ‡ãŠã ¹ãƾããñØã
¶ã ãä‡ãŠ† •ãã¶ãñ ¹ãÀ 6 ½ããÖ ‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ Êã⪶ã
‚ãâ¦ãÀ-ºãö‡ãŠ ¹ãÆÔ¦ãããäÌã¦ã ªÀ+220 ‚ãã£ããÀ ‚ãâ‡ãŠ
26.06.07 Á. 1141.20 ‡ãŠÀãñü¡ ¹ãÀ¹ãñÞãì‚ãÊã ãäÌ㪠† ‡ãŠãùÊã 7.140% ºããè † † 2 -
(225 ãä½ããäÊã¾ã¶ã 10 ÌãÓãà ‡ãñŠ ºã㪠‚ã©ããæãá/ ã䪶ããâ‡ãŠ 26.06.17 ãä½ã¡ ÔÌãõ¹ã + ½ãî¡ãè ‡ãŠãè
‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ) ‡ãŠãñ ‡ãŠãùÊã ‚ããù¹Íã¶ã ‡ãñŠ Ôãã©ã ¹ãÀ¹ãñÞãì‚ãÊã ¦ã©ãã 137 ‚ãã£ããÀ ‚ãâ‡ãŠãò ‡ãñŠ ºãÀãºãÀý ºããè ºããè
100 ‚ãã£ããÀ ‚ãâ‡ãŠãò ‡ãŠãè Ô›ñ¹ã ‚ã¹ã ‚ã©ããæ㠇ãŠãùÊã - †Ô㠆⡠¹ããè
‚ããù¹Íã¶ã ‡ãŠã ¹ãƾããñØã ¶ã ãä‡ãŠ† •ãã¶ãñ ¹ãÀ 6 ½ããÖ
‚ã½ãÀãè‡ãŠãè ¡ãùÊãÀ Êã⪶㠂ãâ¦ãÀ-ºãö‡ãŠ ¹ãÆÔ¦ãããäÌã¦ã
ªÀ + 237 ‚ãã£ããÀ ‚ãâ‡ãŠ
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ‚ãÊããÌãã, ƒÔã‡ãñŠ ãä¶ã½¶ããäÊããäŒã¦ã ÔãÖ¾ããñØããè ºãö‡ãŠãò ¶ãñ ¶ãÌããè¶ã ºãñ½ããè¾ããªãè ¨ãÉ¥ã ãäÊãŒã¦ã ‡ãñŠ ¹㠽ãò ¹ãîâ•ããè •ãì›ãƒÃ Öõ, †Ôã ºããè ºããè •ãñ Á. 200.00 ‡ãŠÀãñü¡, †Ôã ºããè
†Þã Á. 350 ‡ãŠÀãñü¡; †Ôã ºããè ƒâªãõÀ Á. 165 ‡ãŠÀãñü¡; †Ôã ºããè †½ã Á. 160 ‡ãŠÀãñü¡ ‚ããõÀ †Ôã ºããè ›ãè Á. 279 ‡ãŠÀãñü¡ý
„ÞÞã Ñãñ¥ããè ãäÊãŒã¦ã ‡ãŠã ¹ãƇãŠãÀ : ‚ã¹ãÆãä¦ã¼ãî¦ã, ¹ãÆãä¦ãªñ¾ã ‚ã¹ããäÀÌã¦ãöããè¾ã, ÌãÞã¶ã-¹ã¨ã ‡ãñŠ ¹㠽ãò „ÞÞã Ñãñ¥ããè II Øããõ¥ã ºããâ¡ý
II Øããõ¥ã ¨ãÉ¥ã ãäÌãÍãñÓã¦ãã†ú :
i) ãä¶ãÌãñÍã‡ãŠãò ´ãÀã ‡ãŠãñƒÃ ãäÌã‰ãŠ¾ã ãäÌã‡ãŠÊ¹ã ¶ãÖãéý
ii) 10 ÌãÓãà ¹ãÍÞãã¦ã ºãö‡ãŠ ´ãÀ㠉㊾ã ãäÌã‡ãŠÊ¹ãý
iii) ¾ããäª ºãö‡ãŠ ´ãÀ㠉㊾ã ãäÌã‡ãŠÊ¹ã ‡ãŠã ¹ãƾããñØã ¶ãÖãé ãä‡ãŠ¾ãã •ãã¦ãã ¦ããñ 10 ÌãÓãà ¹ãÍÞãã¦ã Ô›ñ¹ã-‚ã¹ã ‚ããù¹Íã¶ã.
iv) ¾ããäª ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã (Ôãã膂ããÀ) ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã ¶¾ãî¶ã¦ã½ã ãäÌããä¶ã¾ãã½ã‡ãŠ Ôãã膂ããÀ ‡ãñŠ ¶ããèÞãñ Öõ ¦ããñ ‚ããÌããä£ã‡ãŠ º¾ãã•ã †Ìãâ ¹ããäÀ¹ã‡ã‹Ìã¦ãã ¹ãÀ
½ãîÊãÀããäÍã ‡ãñŠ ¼ããè ¼ãìØã¦ãã¶ã ¹ãÀ Êããù‡ãŠ ƒ¶ã ‡ã‹Êãã•ãý
v) ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè ÔãÖ½ããä¦ã ‡ãñŠ ãäºã¶ãã ‡ãŠãñƒÃ ¹ãÆãä¦ãªã¶ã ¶ãÖãéý
Ô›ñ¹ã-‚ã¹ã ‚ããù¹Íã¶ã : ¾ããäª ºãö‡ãŠ 10 ÌãÓãà ¹ãÍÞãã¦ã ‰ãŠ¾ã ãäÌã‡ãŠÊ¹ã ‡ãŠã ¹ãƾããñØã ¶ãÖãé ‡ãŠÀ¦ãã ¦ããñ ºããâ¡ 5 ÌãÓãà ‡ãŠãè ÍãñÓã ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã 50 ‚ãã£ããÀ ‚ãâ‡ãŠ ‡ãŠã Ô›ñ¹ã-‚ã¹ã ‚ããù¹Íã¶ã
„¹ãÊ㺣ã ÖãñØããý
Êããù‡ãŠ-ƒ¶ã-‡ã‹Êããù•ã: ¾ããäª Ôãã膂ããÀ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã ¶¾ãî¶ã¦ã½ã ãäÌããä¶ã¾ãã½ã‡ãŠ Ôãã膂ããÀ ‡ãñŠ ¶ããèÞãñ Öõ ¦ããñ ºãö‡ãŠ ‡ãŠã ‚ãÌããä£ã º¾ãã•ã †Ìãâ ¹ããäÀ¹ã‡ã‹Ìã¦ãã ¹ãÀ ½ãîÊãÀããäÍã ‡ãñŠ
¼ãìØã¦ãã¶ã ‡ãŠã ªããä¾ã¦Ìã ¶ãÖãé ÖãñØããý ¦ã©ãããä¹ã, •ãÖãâ ¦ã‡ãŠ ºãö‡ãŠ ¶¾ãî¶ã¦ã½ã ãäÌããä¶ã¾ãã½ã‡ãŠ Ôãã膂ããÀ ºã¶ãㆠÀŒã¦ãã Öõ, ãä¶ããäÍÞã¦ã Ôã½ã¾ã ¹ãÀ ºãö‡ãŠ ‚ããÌããä£ã‡ãŠ º¾ãã•ã ¶ãÖãé ÊãØãã†Øããý

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 TABLE DF-2:
CAPITAL STRUCTURE:
Qualitative Disclosures
(a) Summary
Type of Capital Features
Equity (Tier –I) State Bank of India has raised Equity by way of Rights Issue during March 2008 aggregating Rs.16,722 crores
(including Premium). Further the Bank has also raised Capital by way of Employees Stock Purchase Scheme
aggregating Rs 542 crores.
Domestic Banking Subsidiaries have raised equity through Equity Instruments. The majority shareholder is SBI
while some of them like SBBJ, SB Indore, SBM and SBT have public shareholding as well.
Domestic Non-Banking Subsidiaries have raised equity through Equity Instruments. The majority shareholder
is SBI and the others are ADB (SBICAP-13.84%), SGAM (SBI FUNDS-37%), GE Capital (SBI CARDS-40%), SIDBI
(SBI FACTORS-20%) etc.
Innovative SBI has raised Innovative Perpetual Debt Instruments (IPDIs) in the International Market during FY: 06-07
Instruments (Tier-I) and 07-08. Some of the Banking Subsidiaries have also raised Capital through Perpetual Debt Instruments. Foreign
Subsidiary Banks have not raised Tier I Capital by way of IPDIs as of date.
Tier-II SBI and its Subsidiaries have raised Upper as well as Lower Tier II Capital.
The subordinated debts raised through private placement of Bonds are unsecured, long term, non-convertible
and are redeemable at par. The debt is subordinated to present and future senior indebtedness of the Bank
and qualifies for Tier II capital.
In case of Domestic Subsidiaries, Tier-II capital has been raised by way of Upper Tier-2 as well as Tier-2 bonds
(except SBICI Bank Ltd). They are plain vanilla bonds with no embedded put option or call option. Not
redeemable without RBI’s prior approval.
Consequent to Merger of State Bank of Saurashtra with SBI on 13th August 2008, Subordinated Debt (Lower
Tier II) raised by SBS in two tranches of Rs.200 crores and Rs.225 crores aggregating Rs.425 crores have been
included in our list and are shown under Quantitative Disclosures of this table below.
Some of the Non-Banking Subsidiaries like SBI FACTORS (Rs.40.00 crores),SBI CARDS (Rs.124.80crores & GTFL
(Rs.100.20 crores) have also raised subordinated term debt reckoned as Tier II capital.
Tier II capital of Foreign Subsidiaries comprises of subordinated term debt, General provisions.

Qualitative Disclosures:
State Bank of India has raised Hybrid Tier I Capital and Upper and Lower Tier II Subordinated Debt in the Domestic and International
Market. Summary information on the terms and conditions of the main features of all capital instruments, especially in the case of innovative,
complex or hybrid capital instruments are as under:
Type of capital Main features
Equity Rs. 634.88 crores
Innovative Date of Issue Amount Tenure Coupon (% p.a. Rating
Perpetual Debt (Rs. crores) (months) payable annually)
Instruments 15.02.07 Rs. 2028.80 crores Perpetual with a Call 6.439% Baa2-
(USD 400 million) Option after 10 yrs 3 mths equivalent Moody’s
i.e. on 15.05.17 and step-up to Mid swap + BB -
of 100 bps i.e. 6 months 120 bps S & P
USD LIBOR + 220 bps, if
Call Option is not exercised
26.06.07 Rs. 1141.20 crores Perpetual with a Call 7.140% Baa2-
(USD 225 million) Option after 10 years equivalent Moody’s
i.e. on 26.06.17 and step-up to Mid swap + BB -
of 100 bps i.e. 6 months 137 bps S & P
USD LIBOR + 237 bps, if
Call Option is not exercised
Apart from SBI, the following Associate Banks of SBI have raised Innovative Perpetual Debt Instruments:
SBBJ Rs.200.00 crores; SBH Rs.350 crores; SB Indore Rs.165 crores; SBM Rs.160 crores and SBT Rs.279 crores.
Upper Tier II Type of Instrument: Unsecured, Redeemable Non-convertible, Upper Tier II Subordinated
Subordinated Bonds in the nature of Promissory Notes.
Debt Special features:
i) No Put Option by the Investors.
ii) Call Option by the Bank after 10 years.
iii) Step-up Option after 10 years, if Call Option is not exercised by the Bank.
iv) Lock-in-clause on payment of periodic interest and even Principal at maturity, if CAR is below the minimum
regulatory CAR, prescribed by RBI.
v) Not redeemable without the consent of Reserve Bank of India.
Step-up Option: If the Bank does not exercise Call Option after 10 years, the Bonds carry a step-up-option of
50 bps during the remaining period of 5 years.
Lock-in-Clause: Bank shall not be liable to pay either periodic interest on principal or even principal at maturity,
if CAR of the Bank is below the minimum regulatory CAR prescribed by RBI. However, this will not proscribe
the Bank from making periodical interest, as long as the Bank maintains the minimum Regulatory CAR, at the
material time.

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 •ããÀãè ‡ãŠÀ¶ãñ ‡ãŠãè ¦ããÀãèŒã ÀããäÍã (Á¹ã¾ãñ ‡ãŠÀãñü¡ ½ãò) ‚ãÌããä£ã (½ããÖ) ‡ãã¶ã (¹ãÆãä¦ãÌãÓãà % ÌãããäÓãÇ㊠¹ã Ôãñ ªñ¾ã) Àñãä›âØã
05.06.06 2328 180 8.80% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
06.07.06 500 180 9.00% †††-ãä‰ãŠãäÔãÊã
12.09.06 600 180 8.96% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
13.09.06 615 180 8.97% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
15.09.06 1500 180 8.98% †††-ãä‰ãŠãäÔãÊã
04.10.06 400 180 8.85% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
16.10.06 1000 180 8.88% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
17.02.07 1000 180 9.37% †††-ãä‰ãŠãäÔãÊã
07.06.07 2523 180 10.20% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
12.09.07 3500 180 10.10% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
19.12.08 2500 180 8.90% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
02.03.09 2000 180 9.15% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
06.03.09 1000 180 9.15% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ‚ãÊããÌãã, „Ôã‡ãŠãè ãä¶ã½¶ããäÊããäŒã¦ã ÔãÖ¾ããñØããè ºãö‡ãŠãò ¶ãñ Ñãñ¥ããè-II ‡ãñŠ ºã㥡ãò ‡ãñŠ ¹㠽ãò ¹ãîâ•ããè •ãì›ãƒÃ Öõ: †Ôãºããèºããè•ãñ Á. 450.00 ‡ãŠÀãñü¡; †Ôãºããè†Þã Á. 500
‡ãŠÀãñü¡; †Ôãºããè ƒâªãõÀ Á. 550 ‡ãŠÀãñü¡; †Ôãºãã膽ã Á. 640 ‡ãŠÀãñü¡; †Ôãºããè¹ããè Á. 1451.60 ‡ãŠÀãñü¡ ‚ããõÀ †Ôãºããè›ãè Á. 500 ‡ãŠÀãñü¡ý
¶¾ãî¶ã Ñãñ¥ããè II ãäÊãŒã¦ã ‡ãŠã ¹ãƇãŠãÀ : ØãõÀ •ã½ãã¶ã¦ããè, ¹ãÆãä¦ãªñ¾ã ‚ã¹ããäÀÌã¦ãöããè¾ã, ÌãÞã¶ã ¹ã¨ã ‡ãñŠ ¹㠽ãò „ÞÞã Ñãñ¥ããè II Øããõ¥ã ºããâ¡ ý
Øããõ¥ã ¨ãÉ¥ã ãäÌãÍãñÓã¦ãã†úâ :
I) ‰ãŠ¾ã ‚ã©ãÌãã ãäÌã‰ãŠ¾ã •ãõÔããè ãäÌãÍãñÓã ÔãìãäÌã£ãã‚ããò Ôãñ ÀãäÖ¦ã ãäºãʇãìŠÊã Ôããªñ ºããâ¡ ý
II) ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãè ‚ã¶ãì½ããä¦ã ‡ãñŠ ãäºã¶ãã ¹ãÆãä¦ãªñ¾ã ¶ãÖãé ÖãñØãã ý
•ããÀãè ‡ãŠÀ¶ãñ ‡ãŠãè ¦ããÀãèŒã ÀããäÍã (Á. ‡ãŠÀãñü¡ ½ãò) ‚ãÌããä£ã (½ããÖ) ‡ãã¶ã (%¹ãÆãä¦ã Àñãä›âØã
ÌãÓãà ÌãããäÓãÇ㊠‚ãÌããä£ã ½ãò ªñ¾ã)
05.12.05 3283 113 7.45% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
09.03.06 200 111 8.15% †Êㆆ†-‚ããƒÔããè‚ããÀ†
†††-‡ãñŠ¾ãÀ
28.03.07 1500 111 9.85% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
31.03.07 225 111 9.80% †Êㆆ†-‚ããƒÔããè‚ããÀ†
†††-‡ãñŠ¾ãÀ
29.12.08 1500 114 8.40% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
06.03.09 1000 111 8.95% †††-ãä‰ãŠãäÔãÊã
†††-‡ãñŠ¾ãÀ
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ ‚ãÊããÌãã, „Ôã‡ãñŠ ãä¶ã½¶ããäÊããäŒã¦ã ÔãÖ¾ããñØããè ºãö‡ãŠãò ¶ãñ Ñãñ¥ããè-II ‡ãñŠ ºã㥡ãò ‡ãñŠ ¹㠽ãò ¹ãîâ•ããè •ãì›ãƒÃ Öõ: †Ôãºããèºããè•ãñ Á. 1000 ‡ãŠÀãñü¡; †Ôãºããè†Þã Á. 1210 ‡ãŠÀãñü¡; †Ôãºããè ƒâªãõÀ
Á. 450 ‡ãŠÀãñü¡; †Ôãºãã膽ã Á. 425 ‡ãŠÀãñü¡; †Ôãºããè¹ããè Á. 750 ‡ãŠÀãñü¡ ‚ããõÀ †Ôãºããè›ãè Á. 820 ‡ãŠÀãñü¡ý
½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛¶ã (Á. ‡ãŠÀãñü¡ ½ãò)
Œã) Ñãñ¥ããè - I ¹ãîâ•ããè 72406
• Þãì‡ãŠ¦ãã Íãñ¾ãÀ ¹ãîâ•ããè 635
• ‚ããÀãäàã¦ã ãä¶ããä£ã¾ããâ 69517
• ¶ãÌããñ¶½ãñÓããè ãäÊãŒã¦ã (‡ãñŠÌãÊã ¾ããñØã) 4324
• ‚㶾㠹ãîâ•ããè ãäÊãŒã¦ã (‡ãñŠÌãÊã ¾ããñØã): 8
• Ñãñ¥ããè - I ¹ãâî•ããè Ôãñ Üã›ãƒÃ ØãƒÃ ÀããäÍã (¾ããäª Öãñ ¦ããñ ¾ããñØã) 2078
(Øã) ‡ãìŠÊã ¹ãã¨ã Ñãñ¥ããè -II ¹ãîâ•ããè (‡ãŠ›ãõãä¦ã¾ããú Üã›ã‡ãŠÀ) ( ¶ããèÞãñ (Üã) ‚ããõÀ (¡.) ªñŒãò) 41708
(Øã i) ‡ãìŠÊã Ñãñ¥ããè -3 ¹ãîâ•ããè (¾ããäª ‡ãŠãñƒÃ Öãñ) (¶ããñ› Ìã¦ãýãã¶ã ½ãò Ñãñ¥ããè 3 ‡ãŠãè ‡ãŠãñƒÃ ¹ãîâ•ããè ¶ãÖãé) 0
(Üã) „ÞÞã Ñãñ¥ããè-II ¹ãîâ•ããè ½ãò Íãããä½ãÊã ‡ãŠÀ¶ãñ ¾ããñؾ㠨ãɥ㠹ãîâ•ããè ãäÊãŒã¦ã:
• ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã 23683
• ÞããÊãî ÌãÓãà ‡ãŠãè ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã 5500
• ¹ãâî•ããè ‡ãñŠ ¹㠽ãò Íãããä½ãÊã ‡ãŠÀ¶ãñ ¾ããñؾã ÀããäÍã 23654
(Ý) ãä¶ã½¶ã Ñãñ¥ããè 2 ¹ãîâ•ããè ½ãò Íãããä½ãÊã ‡ãŠÀ¶ãñ ¾ããñؾã Øããõ¥ã ¨ãÉ¥ã
• ‡ãìŠÊã ºã‡ãŠã¾ãã ÀããäÍã 12518
• ÞããÊãî ÌãÓãà ‡ãñŠ ªãõÀã¶ã •ãì›ãƒÃ ØãƒÃ 2500
• ¹ãâî•ããè ‡ãñŠ ¹㠽ãò Íãããä½ãÊã ‡ãŠÀ¶ãñ ¾ããñؾã ÀããäÍã 12491
(Þã) ¹ãîâ•ããè ½ãò ‚㶾㠇㊛ãõãä¦ã¾ããâ ¾ããäª ‡ãŠãñƒÃ Öãò 5571
(œ) Ñãñ¥ããè-II ‡ãŠãè ¹ãîâ•ããè Ôãñ ‚㶾㠇㊛ãõãä¦ã¾ããâ ¾ããäª ‡ãŠãñƒÃ Öãò 8
(•ã) ‡ãìŠÊã ¹ãã¨ã ¹ãîâ•ããè (Ñãñ¥ããè I ¦ã©ãã Ñãñ¥ããè II ¹ãîâ•ããè ‡ãŠ›ãõãä¦ã¾ããâ Üã›ã‡ãŠÀ)
ƒÔã‡ãŠã ‡ãìŠÊã ¾ããñØ㠽㪠(Œã), (Øã) ¦ã©ãã (Øã i) ‡ãñŠ ¾ããñØã ‡ãñŠ Ôã½ãã¶ã Öãñ¶ãã ÞãããäÖ†. 114114
ã䛹¹ããä¥ã¾ããâ:
✓ ºãñÔãÊã-I ¹ããäÀÌãñÍã ½ãò, ºãö‡ãŠ ´ãÀã ‚ã¶ãìÓãâãäØã¾ããò ½ãò ãä‡ãŠ¾ãã Øã¾ãã ƒÃãä‡ã‹Ìã›ãè ãä¶ãÌãñÍã (•ãÖãâ Ö½ããÀãè £ãããäÀ¦ãã 50% Ôãñ ‚ããä£ã‡ãŠ Öõ) Ñãñ¥ããè-I ¹ãîâ•ããè Ôãñ 50% ‚ããõÀ Ñãñ¥ããè-II ¹ãîâ•ããè Ôãñ 50% Üã›ã¾ãã •ãã¦ãã Öõý
✓ ºãñÔãÊã-II ¹ããäÀÌãñÍã ‡ãñŠ ‚ãâ¦ãØãæ㠺ãö‡ãŠ ´ãÀã ãäÌ㦦ããè¾ã ƒ‡ãŠãƒ¾ããò ½ãò ãä‡ãŠ¾ãã Øã¾ãã ƒÃãä‡ã‹Ìã›ãè ãä¶ãÌãñÍã (•ãÖãâ Ö½ããÀã ãä¶ãÌãñÍã 30% Ôãñ ‚ããä£ã‡ãŠ Öõ) Ñãñ¥ããè-I ¹ãîâ•ããè Ôãñ 50% ‚ããõÀ Ñãñ¥ããè-II ¹ãîâ•ããè Ôãñ 50% Üã›ã¾ãã •ãã¦ãã Öõý

220

C220 K220
 Date of Issue Amount Tenure Coupon (% p.a. Rating
(Rs. crores) (months) payable annually)
05.06.06 2328 180 8.80% AAA-CRISIL
AAA-CARE
06.07.06 500 180 9.00% AAA-CRISIL
12.09.06 600 180 8.96% AAA-CRISIL
AAA-CARE
13.09.06 615 180 8.97% AAA-CRISIL
AAA-CARE
15.09.06 1500 180 8.98% AAA-CRISIL
04.10.06 400 180 8.85% AAA-CRISIL
AAA-CARE
16.10.06 1000 180 8.88% AAA-CRISIL
AAA-CARE
17.02.07 1000 180 9.37% AAA-CRISIL
07.06.07 2523 180 10.20% AAA-CRISIL
AAA-CARE
12.09.07 3500 180 10.10% AAA-CRISIL
AAA-CARE
19.12.08 2500 180 8.90% AAA-CRISIL
AAA-CARE
02.03.09 2000 180 9.15% AAA-CRISIL
AAA-CAR
06.03.09 1000 180 9.15% AAA-CRISIL
AAA-CAR
Apart from SBI, the following Associate Banks of SBI have raised Upper Tier II bonds: SBBJ Rs.450.00 crores; SBH Rs.500 crores;
SB Indore Rs.550 crores; SBM Rs.640 crores; SBP Rs.1451.60 crores and SBT Rs.500 crores.
Lower Tier II Type of Instrument: Unsecured, Redeemable Non-convertible, Upper Tier II Subordinated Bonds in
Subordinated the nature of Promissory Notes.
Debt Special features:
I) Plain vanilla Bonds with no special features like put or call option etc.
II) Not redeemable without the consent of Reserve Bank of India.
Date of Issue Amount (Rs. crores) Tenure Coupon (% p.a. Rating
(months) payable annually)
05.12.05 3283 113 7.45% AAA-CRISIL
AAA-CARE
09.03.06 200 111 8.15% LAAA-ICRA
AAA-CARE
28.03.07 1500 111 9.85% AAA-CRISIL
AAA-CARE
31.03.07 225 111 9.80% LAAA-ICRA
AAA-CARE
29.12.08 1500 114 8.40% AAA-CRISIL
AAA-CARE
06.03.09 1000 111 8.95% AAA-CRISIL
AAA-CARE
Apart from SBI, the following Associate Banks of SBI have raised Lower Tier II bonds:
SBBJ Rs.1000.00 crores; SBH Rs.1210 crores; SBIn Rs.450 crores; SBM Rs.425 crores; SBP Rs.750 crores and SBT Rs.820 crores.

Quantitative Disclosures (Rs in crores)

b) Tier-I Capital 72406
• Paid-up Share Capital 635
• Reserves 69517
• Innovative Instruments (only total) 4324
• Other Capital Instruments (only total) 8
• Amt deducted from Tier-I Cap (if any total): 2078
(c) Total Eligible Tier-2 Capital (Net of deductions) {Refer (d) and (e) below} 41708
(ci) Total Tier-3 Capital (if any) (Note: as of now, no Tier-3 capital) 0
(d) Debt Capital Instruments eligible for inclusion in Upper Tier-2 Capital
• Total amount outstanding 23683
• Of which raised during Current Year 5500
• Amount eligible to be reckoned as Capital 23654
(e) Subordinated Debit eligible for inclusion in Lower Tier-2 Capital:
• Total amount outstanding 12518
• Of which raised during Current Year 2500
• Amount eligible to be reckoned as Capital 12491
(f) Other Items of Tier II Capital if any 5571
(g) Other Deductions from Tier II Capital if any 8
(h) Total Eligible Capital (net of deductions from Tier I & Tier II Capital)
[Should equal Total of (b), (c) and (c.i)] 114114
Notes:
✓ In Basel I scenario, the Bank deducts 50% from Tier I Capital and 50% from Tier II Capital, equity investment made in Subsidiaries
(where our holding is higher than 50%).
✓ Under Basel II scenario, the Bank deducts 50% from Tier I Capital and 50% from Tier II Capital, equity investment made in the
financial entities, where investment is more than 30%.

221

C221 K221
 ¦ãããäÊã‡ãŠã ¡ã膹ãŠ-3 : ¹ãîâ•ããè ÔãâÀÞã¶ãã :
ã䪶ããâ‡ãŠ 31.03.2009 ‡ãŠãñ ¹ãƇ㊛ãè‡ãŠÀ¥ã
¹ãîú•ããè - ¹ã¾ããù¦ã¦ãã
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
(‡ãŠ) Ìã¦ãýãã¶ã †Ìãâ ¼ããäÌãӾ㠇ãŠãè Øããä¦ããäÌããä£ã¾ããò • ‚ããäØãƽã ÀããäÍã¾ããò, ‚ã¶ãìÓãâãäØã¾ããñâ/Ôãâ¾ãì‡ã‹¦ã „²ã½ããò ½ãò ãä¶ãÌãñÍã ‡ãŠãè ¹ãîÌããöãì½ãããä¶ã¦ã Ìãðªáãä£ã ¦ã©ãã ºãñÔãÊã-II ‚ãããäª ‡ãñŠ ÊããØãî Öãñ¶ãñ Ôãñ ¹ãü¡¶ãñ ÌããÊãñ ¹ãƼããÌã ‡ãŠãñ £¾ãã¶ã
‡ãŠñ ãäÊㆠ‚ã¹ã¶ããè ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‡ãñŠ ãä¶ã£ããÃÀ¥ã ½ãò ÀŒã¦ãñ Öì† ‚ããõÀ 3 ÌãÓãà Ôãñ 5 ÌãÓãà ‡ãŠãè ‚ãÌããä£ã ½ãò ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã (Ôãã膂ããÀ) ‡ãñŠ „¦ããÀ-Þãü¤ãÌã ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¦ãñ Öì† ÌãããäÓãÇ㊠¹㠽ãò ‚ã©ãÌãã
‡ãŠãè ºãö‡ãŠ ‡ãŠãè ¹ã®ãä¦ã ¹ãÀ ÞãÞããà ‡ãŠã ÔããÀãâÍã ‚ããÌã;ã‡ãŠ¦ãã ‡ãñŠ ‚ã¶ãìÔããÀ ‚ããäÔ©ãÀ¦ãã ãäÌãÍÊãñÓã¥ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý
• 3 ÌãÓãà Ôãñ 5 ÌãÓãà ‡ãŠãè ½ã£¾ããÌããä£ã ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãŠã ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã (Ôãã膂ããÀ) ãäÌããä¶ã¾ãã½ã‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã 9% ‡ãŠãè ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã Ôãñ
‚ããä£ã‡ãŠ ÀÖ¶ãñ ‡ãŠã ‚ã¶ãì½ãã¶ã Öõý ¦ã©ãããä¹ã, ¹ã¾ããù¦ã ¹ãîâ•ããè ºã¶ãㆠÀŒã¶ãñ ‚ããõÀ Øããõ¥ã ¨ãɥ㠦ã©ãã ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ‚ãÊããÌãã Ôãâãä½ãÑã ãäÊãŒã¦ã •ãõÔãñ ½ã㣾ã½ã Ôãñ ‚ã¹ã¶ãñ ¹ãîâ•ããè
ÔãâÔãã£ã¶ã ‡ãŠãñ ‚ããÌã;ã‡ãŠ¦ãã ¹ãü¡¶ãñ ¹ãÀ ºãü¤ã¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ¹ããÔ㠇㊃à ãäÌã‡ãŠÊ¹ã „¹ãÊ㺣ã Ööý
• ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¶ãñ ãäÌ㦦ããè¾ã ÌãÓãà 2007-08 ‡ãñŠ ªãõÀã¶ã Àホ ƒÍ¾ãî ‡ãñŠ ½ã㣾ã½ã Ôãñ ƒÃãä‡ã‹Ìã›ãè •ãì›ãƒÃ ‚ããõÀ ÊãØã¼ãØã Á. 16,722 ‡ãŠÀãñü¡ ‡ãŠãè ‚ããä¦ããäÀ‡ã‹¦ã ¹ãîâ•ããèØã¦ã
ãä¶ããä£ã¾ããò (Ñãñ¥ããè-I) ‡ãŠãñ •ããñü¡ ã䪾ãã ãä•ãÔãÔãñ 8% ‡ãŠãè ¶¾ãî¶ã¦ã½ã Ñãñ¥ããè-I ¹ãîâ•ããè Ôãìãä¶ããäÍÞã¦ã Öãñ Ôã‡ãñŠý ƒÔã‡ãñŠ ‚ããä¦ããäÀ‡ã‹¦ã, ºãö‡ãŠ ¶ãñ ãäÌ㦦ããè¾ã ÌãÓãà 2008-09 ½ãò
‡ãŠ½ãÃÞããÀãè Íãñ¾ãÀ ‰ãŠ¾ã ¾ããñ•ã¶ãã (ƒÃ†Ôã¹ããè†Ôã) ‡ãñŠ ½ã㣾ã½ã Ôãñ Á. 542 ‡ãŠÀãñü¡ ‡ãŠãè ƒÃãä‡ã‹Ìã›ãè •ãì›ãƒÃý
• ãäÌ㦦ããè¾ã ÌãÓãà 2008-09 ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã Ô›ñ› ºãõ‡ñ ㊠¶ãñ 5 ÏãðŒâ ãÊãã‚ããò ½ãò Á. 8000 ‡ãŠÀãñ¡ü ‡ãñŠ Ñãñ¥ããè-II Øããõ¥ã (Ñãñ¥ããè-II ¹ãî•â ããè ‡ãñŠ ¹㠽ãò ¹ããäÀ‡ãŠãäÊã¦ã Öì†) ¨ãÉ¥ã
•ãì›ã†ý
• ºãö‡ãŠ ¶ãñ ‚ããƒÃÔãã膆¹ããè ¶ããèãä¦ã ÊããØãî ‡ãŠãè Öõ ãä•ãÔã‡ãŠãè Ôã½ããèàãã ÌãããäÓãÇ㊠‚ãã£ããÀ ¹ãÀ ‡ãŠãè •ãã¦ããè Öõ ãä•ãÔãÔãñ ‚ãããä©ãÇ㊠¹ãîâ•ããè ‡ãŠã ãä¶ãÌããÃÖ ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã Öõ ‚ããõÀ ƒÔãÔãñ
¹ãîâ•ããè •ããñãäŒã½ã ‡ãŠãñ ¹ã¾ããù¦ã ¹ã Ôãñ ‡ãŠ½ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠØããý
½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
(Œã) ¨ãɥ㠕ããñãäŒã½ã ‡ãñŠ ãäÊㆠ¹ãîâ•ããè
‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã
• ½ãã¶ã‡ãŠ ¹ã®ãä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ ➠ ãä¶ããä£ã ‚ãã£ãããäÀ¦ã:
¹ããñ›Ã¹ãŠãñãäÊã¾ããñ Á. 64,023 ‡ãŠÀãñü¡
• ãä¶ãÌãñÍã ‡ãŠã ¹ãÆãä¦ã¼ãîãä¦ã‡ãŠÀ¥ã ➠ Íãã
........................................................................................
‡ãìŠÊã Á. 64,023 ‡ãŠÀãñü¡ 9.00% ‡ãŠãè ªÀ Ôãñ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã
(Øã) ºãã•ããÀ •ããñãäŒã½ã ‡ãñŠ ãäÊㆠ¹ãîâ•ããè
‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã
(* ½ãã¶ã‡ãŠ ‚ãÌããä£ã ¹ã®ãä¦ã)
• º¾ãã•ã ªÀ •ããñãäŒã½ã (ãä•ãÔã½ãò ➠ Á. 2,041.71 ‡ãŠÀãñü¡
¡ñÀãèÌãñãä›ÌÔã Íãããä½ãÊã Öõ)
• ãäÌãªñÍããè ½ãì³ã •ããñãäŒã½ã ➠ Á. 109.93 ‡ãŠÀãñü¡
(ãä•ãÔã½ãò ÔÌã¥ãà Íãããä½ãÊã Öõ)
• ƒÃãä‡ã‹Ìã›ãè •ããñãäŒã½ã ➠ Á. 1,615.29 ‡ãŠÀãñü¡
...........................................................................................
‡ãìŠÊã Á. 3,766.93 ‡ãŠÀãñü¡ 9.00% ‡ãŠãè ªÀ Ôãñ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã
(Üã) ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ‡ãñŠ ãäÊㆠ¹ãîâ•ããè
‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã:
• ½ãîÊã Ôãâ‡ãñŠ¦ã‡ãŠ ¹ã®ãä¦ã ➠ Á. 4,972 ‡ãŠÀãñü¡
.......................................................................................
‡ãìŠÊã Á. 4,972 ‡ãŠÀãñü¡ 9.00% ‡ãŠãè ªÀ Ôãñ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã
ã䪶ããâ‡ãŠ 31.03.2009 ‡ãŠãñ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã
(¡) ¾ããñØã ‚ããõÀ Ñãñ¥ããè-I ¹ãîâ•ããè ‡ãŠã ‚ã¶ãì¹ãã¦ã:
• ÍããèÓãà Ôã½ãñãä‡ãŠ¦ã Ôã½ãîÖ ‡ãñŠ Ñãñ¥ããè I (%) ¾ããñØã (%)
ãäÊã†, ¦ã©ãã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ 9.38 14.25
• ºãö‡ãŠ ‡ãŠãè ½ãÖ¦Ìã¹ãî¥ãà †Ôãºããè‚ãムÔã½ãîÖ 9.03 14.17
‚ã¶ãìÓãâãäØã¾ããò ‡ãñŠ ãäÊㆠԛñ› ºãö‡ãŠ ‚ãã¹ãŠ ºããè‡ãŠã¶ãñÀ †¥¡ •ã¾ã¹ãìÀ 8.46 14.52
(Ô›ö¡ †Êããñ¶ã) Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ÖõªÀãºã㪠7.14 11.53
Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ƒâªãõÀ 7.91 13.46
Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ½ãõÔãîÀ 7.37 13.38
Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ¹ãã䛾ããÊãã 6.94 12.60
Ô›ñ› ºãö‡ãŠ ‚ãã¹ãŠ ›ÈãÌã¶ã‡ãŠãñÀ 8.59 14.03
†Ôãºããè‚ããƒÔããè‚ãムºãö‡ãŠ ãäÊã. 21.24 21.24
†Ôãºããè‚ãムƒâ›À¶ãñÍã¶ãÊã (½ããÀãèÍãÔã) ãäÊã. 16.30 16.46
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ (‡ãŠ¶ãã¡ã) 24.78 24.78
¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ (‡ãŠñãäÊã¹ãŠãñãä¶ãþãã) 12.92 14.61
‡ãŠ½ããäÍãþãÊã ºãö‡ãŠ ‚ãã¹ãŠ ƒâã䡾ãã †Êã†ÊãÔããè ½ããùùÔ‡ãŠãñ 48.71 48.71
¹ããè›ãè ºãö‡ãŠ ƒâ¡ãñ ½ããù¶ãñ‡ã‹Ôã, ƒâ¡ãñ¶ãñãäÍã¾ãã 40.17 41.42

222

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Qualitative Disclosures
(a) A summary discussion of
the Bank’s approach to
assessing the adequacy of
its capital to support
current and future activities.
Quantitative Disclosures
(b) Capital requirements
for credit risk
• Portfolios subject
to standardized
approach
• Securitization
exposures
(c) Capital requirements
for market risk
(* Standardized duration
approach)
• Interest Rate Risk
(Including Derivatives)
• Foreign Exchange Risk
(including gold)
• Equity Risk
(d) Capital requirements
for operational risk:
• Basic indicator
approach
(e) Total and Tier I
capital ratio:
• For the top
consolidated
group; and
• For significant
bank subsidiaries
(stand alone)
TABLE DF-3 : CAPITAL STRUCTURE :
DISCLOSURES AS ON 31.03.2009
CAPITAL ADEQUACY
• Sensitivity Analysis is conducted annually or more frequently as required, on the movement of
Capital Adequacy Ratio (CAR) in the medium horizon of 3 to 5 years, considering the
projected growth in Advances, investment in Subsidiaries/Joint Ventures and the impact
of Basel II Framework etc.
• CAR of the Bank is estimated to be well above the Regulatory CAR of 9% in the medium
horizon of 3 to 5 years. However, to maintain adequate capital, the Bank has ample options
to augment its capital resources by raising Subordinated Debt and Hybrid Instruments,
besides Equity, as and when required.
• State Bank of India has raised equity through Rights Issue during the FY: 2007-08 and
has added an additional Capital Funds (Tier I) of about Rs.16,722 crores to ensure a
minimum Tier I capital of 8%. Further, the Bank has raised Equity through ESPS (Employees
Stock Purchase Scheme) during FY 08-09 aggregating Rs.542 crores.
• During FY: 2008-09, State Bank of India has raised Tier II Subordinated Debt of Rs. 8000
crores (reckoned as Tier II Capital) in 5 tranches.
• The Bank has put in place the ICAAP Policy and the same is being reviewed on a yearly
basis, which would enable us to maintain Economic Capital, thereby reducing substantial
Capital Risk.
➠ Fund Based:
Rs. 64,023 crores
➠ Nil
.......................................................................
Total Rs. 64,023 crores @ 9.00% CAR
➠ Rs. 2,041.71 crores
➠ Rs. 109.93 crores
➠ Rs. 1,615.29 crores
......................................................................
Total Rs.3,766.93 crores @ 9.00% CAR
➠ Rs. 4,972 crores
.....................................................................
Total Rs. 4,972 crores @ 9.00% CAR
CAPITAL ADEQUACY RATIO AS ON 31.03.2009
Tier I (%) Total (%)
State Bank of India 9.38 14.25
SBI Group 9.03 14.17
State Bank of Bikaner & Jaipur 8.46 14.52
State Bank of Hyderabad 7.14 11.53
State Bank of Indore 7.91 13.46
State Bank of Mysore 7.37 13.38
State Bank of Patiala 6.94 12.60
State Bank of Travancore 8.59 14.03
SBICI Bank Ltd. 21.24 21.24
SBI International (Maritius) Ltd. 16.30 16.46
State Bank of India (Canada) 24.78 24.78
State Bank of India (California) 12.92 14.61
Commercial Bank of India LLC Moscow 48.71 48.71
PT Bank Indo Monex, Indonesia 40.17 41.42
223
C223 K223
 ¦ãããäÊã‡ãŠã ¡ãè †¹ãŠ - 4 ¨ãɥ㠕ããñãäŒã½ã:
Ôãã½ã㶾㠹ãƇ㊛ãè‡ãŠÀ¥ã
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã

ãä¹ãœÊãñ ºã‡ãŠã¾ããò ‚ããõÀ ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠãè ¹ããäÀ¼ããÓãã (ÊãñŒãã‡ãŠÀ¥ã ‡ãñŠ „ªáªñ;ã Ôãñ)
‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã¾ããú
‡ãŠãñƒÃ ¼ããè ‚ãããäԦ㠆ñÔããè ãäÔ©ããä¦ã ½ãò ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäԦ㠺ã¶ã •ãã¦ããè Öõ •ãºã ÌãÖ ºãö‡ãŠ ‡ãñŠ ãäÊㆠ‚ãã¾ã ‚ããä•ãæ㠇ãŠÀ¶ãã ºã⪠‡ãŠÀ ªñ¦ããè Öõý 31 ½ããÞãà 2006 Ôãñ †ñÔãñ ‚ããäØãƽããò ‡ãŠãñ ‚ãÊãã¼ã‡ãŠãÀãè ‚ãããäÔ¦ã
(†¶ã¹ããè†) ½ãã¶ãã •ãã¦ãã Öõ •ãÖãú :
(i) ãä‡ãŠÔããè ¼ããè ½ããè¾ããªãè ¨ãɥ㠇ãñŠ º¾ãã•ã ‚ããõÀ ‚ã©ãÌãã ½ãîÊã£ã¶ã ‡ãŠãè ãä‡ãŠÔ¦ã 90 ã䪶ã Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠ`‚ããä¦ãªñ¾ã' ÀÖ¦ããè Öõý
(ii) ãä‡ãŠÔããè ‚ããñÌãÀ¡Èã¹ã‹›/‡ãõŠÍã ‰ãñŠãä¡› (‚ããñ¡ãè/ÔããèÔããè) ‡ãñŠ Ôãâºãâ£ã ½ãò Œãã¦ãã 90 ã䪶ã Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠ`‚ããä¶ã¾ããä½ã¦ã' ÀÖ¦ãã Öõý
(iii) ŒãÀãèªñ ØㆠãäºãÊã ‚ããõÀ ¼ãì¶ãㆠØㆠãäºãÊã ‡ãñŠ ½ãã½ãÊãñ ½ãò ãäºãÊã 90 ã䪶ã Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠ`‚ããä¦ãªñ¾ã' ÀÖ¦ãã Öõý
(iv) ‚㶾㠌ãã¦ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ¹ãÆ㹦㠇ãŠãè •ãã¶ãñ ÌããÊããè ‡ãŠãñƒÃ ÀããäÍã 90 ã䪶ã Ôãñ ‚ããä£ã‡ãŠ ‚ãÌããä£ã ‡ãñŠ ãäÊㆠ`‚ããä¦ãªñ¾ã' ÀÖ¦ããè Öõý
(v) ‚ãʹ㠂ãÌããä£ã ¹ãŠÔãÊããò ‡ãñŠ ãäÊㆠÔãâÔÌããè‡ãðŠ¦ã ‡ãŠãñƒÃ ¨ãɥ㠆¶ã¹ããè† ½ãã¶ãã •ãã¦ãã Öõ, ¾ããäª ½ãîÊã£ã¶ã ‡ãŠãè ãä‡ãŠÔ¦ã ‚ã©ãÌãã „Ôã¹ãÀ º¾ãã•ã ªãñ ¹ãŠÔãÊããè ½ããõÔã½ããò ‡ãñŠ ãäÊㆠ‚ããä¦ãªñ¾ã ÀÖ¦ãã Öõ ¦ã©ãã ªãèÜããÃÌããä£ã
¹ãŠÔãÊããò ‡ãñŠ ãäÊㆠ¦ãºã †¶ã¹ããè† ½ãã¶ãã •ãã¦ãã Öõ ¾ããäª ½ãîÊã£ã¶ã ‡ãŠãè ãä‡ãŠÔ¦ã ‚ã©ãÌãã „Ôã¹ãÀ º¾ãã•ã †‡ãŠ ¹ãŠÔãÊããè ½ããõÔã½ã ‡ãñŠ ãäÊㆠ‚ããä¦ãªñ¾ã ÀÖ¦ãã Öõý
(vi) ‡ãŠãñƒÃ Œãã¦ãã ¦ã¼ããè †¶ã¹ããè† ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã •ãã†Øãã ¾ããäª ãä‡ãŠÔããè ãä¦ã½ããÖãè ½ãò ÊãØãã¾ãã Øã¾ãã º¾ãã•ã ãä¦ã½ããÖãè ‡ãŠãè Ôã½ããã书ã Ôãñ 90 ã䪶ããò ‡ãñŠ ‚ãâªÀ ‚ãªã ¶ãÖãé ‡ãŠÀ ã䪾ãã •ãã¦ããý
`‚ããä¶ã¾ããä½ã¦ã' Ñãñ¥ããè
‡ãŠãñƒÃ †ñÔããè ãäÔ©ããä¦ã ½ãâñ `‚ããä¶ã¾ããä½ã¦ã' ½ãã¶ãã •ãã¶ãã ÞãããäÖ† ¾ããäª ºã‡ãŠã¾ãã ÍãñÓã ãä¶ãÀâ¦ãÀ ÔãâÔÌããè‡ãðŠ¦ã Ôããè½ãã/‚ããÖÀ¥ã ‚ããä£ã‡ãŠãÀ Ôãñ ‚ããä£ã‡ãŠ ÀÖ¦ãã Öõý
†ñÔãñ ½ãã½ãÊããò ½ãò •ãÖãú ½ãîÊã ¹ããäÀÞããÊã¶ã Œãã¦ãñ ½ãò ºã‡ãŠã¾ãã ÍãñÓã ÔãâÔÌããè‡ãðŠ¦ã Ôããè½ãã/‚ããÖÀ¥ã ‚ããä£ã‡ãŠãÀ Ôãñ ‡ãŠ½ã Öõ ãä‡ã⊦ãì ºãö‡ãŠ ‡ãñŠ ¦ãìÊã¶ã ¹ã¨ã ‡ãŠãè ãä¦ããä©ã ‡ãŠãñ ãä¶ãÀâ¦ãÀ 90 ã䪶ããò ¦ã‡ãŠ ‡ãŠãñƒÃ ÀããäÍã •ã½ãã ¶ãÖãé
‡ãŠãè ØãƒÃ Öõ ‚ã©ãÌãã „Ôã ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ÊãØãㆠØㆠº¾ãã•ã ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ã¾ããù¦ã ÀããäÍã •ã½ãã ¶ãÖãé Öõ ¦ããñ †ñÔãñ Œãã¦ããò ‡ãŠãñ `‚ããä¶ã¾ããä½ã¦ã' ½ãã¶ãã •ãã†Øããý
`‚ããä¦ãªñ¾ã'
ãä‡ãŠÔããè ¨ãÉ¥ã ÔãìãäÌã£ãã ‡ãñŠ ¦ã֦㠺ãö‡ãŠ ‡ãŠãñ ªñ¾ã ‡ãŠãñƒÃ ÀããäÍã '‚ããä¦ãªñ¾ã' ½ãã¶ããè •ãã¦ããè Öõ ¾ããäª ¾ãÖ ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã ‡ãŠãè ØãƒÃ ãä¦ããä©ã ‡ãŠãñ ‚ãªã ¶ãÖãé ‡ãŠãè ØãƒÃ Öõý
• ºãö‡ãŠ ‡ãŠãè ¨ãɥ㠕ããñãäŒã½ã-¹ãƺãâ£ã¶ã ¶ããèãä¦ã ‡ãŠãè ÞãÞããÃ
ºãö‡ãŠ ½ãò ¨ãɥ㠕ããñãäŒã½ã-¹ãƺãâ£ã¶ã ¶ããèãä¦ã ÊããØãî Öõ ãä•ãÔã‡ãŠãè Ôã½ããèàãã ºãö‡ãŠ ´ãÀã Ôã½ã¾ã Ôã½ã¾ã ¹ãÀ ‡ãŠãè •ãã¦ããè Öõý ƒÔã Ôã⪼ãà ½ãò ãäÌãØã¦ã ‡ã슜 ÌãÓããô ½ãò ãäÌã‡ãŠãäÔã¦ã £ããÀ¥ãã‚ããò ‚ããõÀ ÌããÔ¦ããäÌã‡ãŠ ‚ã¶ãì¼ãÌã
‡ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹㠨ãɥ㠕ããñãäŒã½ã-¹ãƺãâ£ã¶ã ¶ããèãä¦ã †Ìãâ ‡ãŠã¾ãÃãäÌããä£ã¾ããò ½ãò Ôãì£ããÀ ãä‡ãŠ† ØㆠÖöý ºãñÔãÊã II Ôã½ã¢ããõ¦ãñ ½ãò ãä¶ã£ããÃãäÀ¦ã ½ãã¶ãªâ¡ãò ‡ãñŠ ‚ã¶ãì¹㠹ãÆ¥ããÊããè †Ìãâ ‡ãŠã¾ãÃãäÌããä£ã¾ããò ‡ãŠãñ Ôããä½½ããäÊã¦ã
ãä‡ãŠ¾ãã Øã¾ãã Öõý
¨ãɥ㠕ããñãäŒã½ã-¹ãƺãâ£ã¶ã ½ãò ¨ãɥ㠕ããñãäŒã½ã ‡ãŠãè ¹ãÖÞãã¶ã, „Ôã‡ãŠã ãä¶ã£ããÃÀ¥ã, ‚ãã‡ãŠÊã¶ã, •ããñãäŒã½ã ‡ãŠãè ãä¶ãØãÀã¶ããè ¦ã©ãã „Ôã‡ãŠã ãä¶ã¾ãâ¨ã¥ã Íãããä½ãÊã Öõý
¨ãɥ㠕ããñãäŒã½ã ‡ãŠãè ¹ãÖÞãã¶ã ‚ããõÀ ãä¶ã£ããÃÀ¥ã ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ‡ãŠã¾ãà ãä‡ãŠ† •ãã¦ãñ Öö :
(i) '¨ãɥ㠕ããñãäŒã½ã ½ãîʾããâ‡ãŠ¶ã ¹ãÆ¥ããÊããè' ‡ãñŠ ¹ãÆãä¦ã½ãã¶ããò ‡ãŠãñ ãäÌã‡ãŠãäÔã¦ã ‡ãŠÀ¶ãã ‚ããõÀ „¶ã½ãò Ôãì£ããÀ Êãã¶ãã ãä•ãÔãÔãñ ãä‡ãŠ ¹ãÆãä¦ã¹ããè •ããñãäŒã½ã ‡ãŠã ãä¶ã£ããÃÀ¥ã, ãäÌããä¼ã¸ã •ããñãäŒã½ã ãä•ã¶Öò ½ã쌾ã ¹㠽ãò ãäÌ㦦ããè¾ã,
‚ããõ²ããñãäØã‡ãŠ ¦ã©ãã ¹ãƺãâ£ã¶ã •ããñãäŒã½ã ‡ãñŠ ¹㠽ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ ¹ãƦ¾ãñ‡ãŠ ‡ãŠã ‚ãÊãØã ‚ãÊãØã Ô‡ãŠãñÀ ã䪾ãã •ãã¦ãã Öõ, ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý
(ii) ‚ããõ²ããñãäØã‡ãŠ ‚ã¶ãìÔãâ£ãã¶ã ‡ãŠã ‡ãŠã¾ãà ‡ãŠÀ¶ãã ãä•ãÔãÔãñ ãä‡ãŠ ãäÌããäÍãÓ› ¶ããèãä¦ã ¦ãõ¾ããÀ ‡ãŠãè •ãã Ôã‡ãñŠ ¦ã©ãã ºãü¡ñ ½ãÖ¦Ìã¹ãî¥ãà ‚ããõ²ããñãäØã‡ãŠ ÔãâãäÌã¼ããØããò ‡ãŠãñ Ôãâ¼ããÊã¶ãñ ‡ãñŠ ãäÊㆠÔã½ã¾ã Ôã½ã¾ã ¹ãÀ „²ããñØããò/Œãâ¡ãò
‡ãñŠ Ôãã½ã㶾ã ÒãäÓ›‡ãŠãñ¥ã ¹ãÀ ÔãÊããÖ •ããÀãè ‡ãŠÀ¶ãã ãä•ãÔãÔãñ ãä‡ãŠ ½ãã¨ã㦽ã‡ãŠ ãä¶ãÌãñÍã ½ãã¶ãªâ¡ Ô©ãããä¹ã¦ã ãä‡ãŠ† •ãã Ôã‡ãòŠý
¨ãɥ㠕ããñãäŒã½ã ‡ãñŠ ãä¶ã£ããÃÀ¥ã ½ãò ãä¶ãÌãñÍã ‡ãŠãè Ôããè½ãã Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãã Íãããä½ãÊã Öõ ãä•ãÔãÔãñ ãä‡ãŠ ‡ã⊹ããä¶ã¾ããò, Ôãã½ãîãäև㊠‡ã⊹ããä¶ã¾ããò, „²ããñØããñâ, Ôãâ¹ãããäÍÌãÇ㊠¦ã©ãã ¼ããõØããñãäÊã‡ãŠ ¹ãƇãŠãÀ ‡ãñŠ ‚ãã¾ãã½ããò ‡ãñŠ ãäÊㆠãäÌããäÌã£ã
ÔãâãäÌã¼ããØã ¦ãõ¾ããÀ ãä‡ãŠ† •ãã Ôã‡ãòŠý ºãñÖ¦ãÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ¦ã©ãã ¨ãɥ㠕ããñãäŒã½ã ‡ãñŠ ‡ãñŠ¶³ãè‡ãŠÀ¥ã Ôãñ ºãÞã¶ãñ ‡ãñŠ ãäÊㆠÌãõ¾ããä‡ã‹¦ã‡ãŠ ‡ã⊹ããä¶ã¾ããò, Ôãã½ãîãäև㊠‡ã⊹ããä¶ã¾ããò, ºãö‡ãŠãò, Ìãõ¾ããä‡ã‹¦ã‡ãŠ „£ããÀ‡ãŠ¦ããÂããò, ØãõÀ-
‡ãŠãÀ¹ããñÀñ› ƒ‡ãŠãƒ¾ããò, ÔãâÌãñª¶ãÍããèÊã àãñ¨ã •ãõÔãñ ¹ãîâ•ããè ºãã•ããÀ, Ô©ããÌãÀ Ôãâ¹ãªã, ÔãâÌãñª¶ãÍããèÊã ÌãÔ¦ãì‚ããò ‚ãããäª ‡ãñŠ ãäÌãÌãñ‡ãŠ¹ãî¥ãà ãä¶ãÌãñÍã ½ãã¶ãªâ¡ãò ¹ãÀ ‚ããâ¦ããäÀ‡ãŠ ãäªÍãã ãä¶ãªóÍã ÊããØãî Ööý
ºãö‡ãŠ ‡ãñŠ ¹ããÔã †‡ãŠ †ñÔããè ¨ãɥ㠶ããèãä¦ã ¼ããè Öõ ãä•ãÔã‡ãŠã „ªáªñ;㠾ãÖ Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãã Öõ ãä‡ãŠ ÔãâãäÌã¼ããØã ‡ãñŠ ‚ãâ¦ãØãæã Ìãõ¾ããä‡ã‹¦ã‡ãŠ ¹ããäÀÔãâ¹ãã䦦ã¾ããò ‡ãŠãè Øãì¥ã¦ãã ½ãò ‚㦾ããä£ã‡ãŠ ãäØãÀãÌã› ¶ã Öãñý ƒÔã‡ãñŠ Ôãã©ã-
Ôãã©ã ƒÔã‡ãŠã „ªáªñ;ããò ¨ãɥ㠇ãñŠ ½ãîÊã ãäÔã®ãâ¦ããò, ½ãîʾããâ‡ãŠ¶ã ‡ãŠãõÍãÊã, ¹ãÆÊãñŒããè‡ãŠÀ¥ã ½ãã¶ã‡ãŠãò ¦ã©ãã ÔãâÔ©ããØã¦ã ãäÞãâ¦ãã‚ããò ¦ã©ãã „ªáªñ;ããò ‡ãñŠ ÒãäÓ›‡ãŠãñ¥ã ½ãò †‡ãŠÂ¹ã¦ãã Ô©ãããä¹ã¦ã ‡ãŠÀ¦ãñ Öì† ÊãÞããèÊãñ †Ìãâ
¶ãÌããñ¶½ãñÓããè „¹ãã¾ããò ‡ãñŠ ãäÊㆠ¹ã¾ããù¦ã Ôãâ¼ããÌã¶ãã ÀŒã¦ãñ Öì† ÔãâãäÌã¼ããØã-Ô¦ãÀ ¹ãÀ ‡ãìŠÊã ¹ããäÀÔãâ¹ãã䦦ã¾ããò ‡ãñŠ Ô¦ãÀ ½ãò Ôãì£ããÀ Êãã¶ãã Öõý
¨ãɥ㠕ããñãäŒã½ã ‡ãñŠ ãäÌããäÌã£ã ‚ãã¾ãã½ããò •ãõÔãñ ½ãîʾããâ‡ãŠ¶ã, ‡ãŠãè½ã¦ã ãä¶ã£ããÃÀ¥ã, ¨ãɥ㠂ã¶ãì½ããñª¶ã ¹ãÆããä£ã‡ãŠãÀãè, ¹ãÆÊãñŒããè‡ãŠÀ¥ã, ãäÀ¹ããñãä›ÄØã ¦ã©ãã ãä¶ãØãÀã¶ããè, Ôã½ããèàãã ¦ã©ãã ¨ãÉ¥ã ÔãìãäÌã£ãã‚ããò ‡ãñŠ ¶ãÌããè‡ãŠÀ¥ã, ¨ãÉ¥ã
Ôãâºãâ£ããè Ôã½ãÔ¾ãã‚ããò ‡ãŠã ¹ãƺãâ£ã¶ã, ¨ãɥ㠇ãŠãè ãä¶ãØãÀã¶ããè ‚ãããäª ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ¹ããÔã ¹ãÆãä‰ãŠ¾ãã†â ‚ããõÀ ãä¶ã¾ãâ¨ã¥ã ¹ãÆ¥ããÊããè „¹ãÊ㺣ã Ööý

224

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 TABLE DF-4 : CREDIT RISK:
GENERAL DISCLOSURES

Qualitative Disclosures:

• Definitions of past due and impaired assets (for accounting purposes)

Non-performing assets
An asset becomes non-performing when it ceases to generate income for the Bank. As from 31st March 2006, a non-performing
Asset (NPA) is an advance where
(i) Interest and/or installment of principal remain 'overdue' for a period of more than 90 days in respect of a Term Loan
(ii) The account remains 'out of order' for a period of more than 90 days, in respect of an Overdraft/Cash Credit (OD/CC)
(iii) The bill remains 'overdue' for a period of more than 90 days in the case of bills purchased and discounted
(iv) Any amount to be received remains 'overdue' for a period of more than 90 days in respect of other accounts
(v) A loan granted for short duration crops is treated as NPA, if the installment of principal or interest thereon remains overdue
for two crop seasons and a loan granted for long duration crops is treated as NPA, if installment of principal or interest
thereon remains overdue for one crop season
(vi) An account would be classified as NPA only if the interest charged during any quarter is not serviced fully within 90
days from the end of the quarter.
‘Out of Order’ status
An account is treated as 'out of order' if the outstanding balance remains continuously in excess of the sanctioned limit/drawing
power.
In cases where the outstanding balance in the principal operating account is less than the sanctioned limit/drawing power, but
there are no credits continuously for 90 days as on the date of Bank's Balance Sheet, or where credits are not enough to cover
the interest debited during the same period, such accounts are treated as 'out of order'.

‘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.
• Discussion of the Bank's Credit Risk Management Policy
The Bank has in place a Credit Risk Management Policy which is reviewed from time to time. Over the years, the policy &
procedures in this regard have been refined as a result of evolving concepts and actual experience. The policy and procedures
have been aligned to the approach laid down in Basel-II Guidelines.

Credit Risk Management encompasses identification, assessment, measurement, monitoring and control of the credit exposures.
In the processes of identification and assessment of Credit Risk, the following functions are undertaken :
(i) Developing and refining the Credit Risk Assessment (CRA) Models to assess the Counterparty Risk, by taking into account
the various risks categorized broadly into Financial, Business, Industrial and Management Risks, each of which is scored
separately.
(ii) Conducting industry research to give specific policy prescriptions and setting quantitative exposure parameters for handling
portfolio in large / important industries, by issuing advisories on the general outlook for the Industries / Sectors, from
time to time.
The measurement of Credit Risk includes setting up exposure limits to achieve a well-diversified portfolio across dimensions
such as companies, group companies, industries, collateral type, and geography. For better risk management and avoidance of
concentration of Credit Risks, internal guidelines on prudential exposure norms in respect of individual companies, group
companies, Banks, individual borrowers, non-corporate entities, sensitive sectors such as capital market, real estate, sensitive
commodities, etc., are in place.
The Bank has also a Loan Policy which aims at ensuring that there is no undue deterioration in quality of individual assets
within the portfolio. Simultaneously, it also aims at continued improvement of the overall quality of assets at the portfolio level,
by establishing a commonality of approach regarding credit basics, appraisal skills, documentation standards and awareness of
institutional concerns and strategies, while leaving enough room for flexibility and innovation.
The Bank has processes and controls in place in regard to various aspects of Credit Risk Management such as appraisal, pricing,
credit approval authority, documentation, reporting and monitoring, review and renewal of credit facilities, managing of problem
loans, credit monitoring, etc.

225

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 ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ¦ãããäÊã‡ãŠã - ‡ãŠ
¦ãããäÊã‡ãŠã ¡ã膹ãŠ-4: ¨ãɥ㠕ããñãäŒã½ã - ½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã „²ããñØã ‡ãñŠ ¹ãƇãŠãÀ ‡ãñŠ ‚ã¶ãìÔããÀ ¨ãɥ㠕ããñãäŒã½ã ‡ãŠã ãäÌã¦ãÀ¥ã
31.03-2009 ‡ãñŠ ‚ããâ‡ãŠü¡ñ
(ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò ‡ãŠãñ¡ „²ããñØã ãä¶ããä£ã ‚ãã£ãããäÀ¦ã [ºã‡ãŠã¾ãã] ØãõÀ-ãä¶ããä£ã
½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã: ãä¶ããä£ã ØãõÀ-ãä¶ããä£ã ¾ããñØã ‚ãã£ãããäÀ¦ã
‚ãã£ãããäÀ¦ã ‚ãã£ãããäÀ¦ã [ºã‡ãŠã¾ãã]
(Œã) ‡ãìŠÊã Ôã‡ãŠÊã ¨ãɥ㠕ããñãäŒã½ã ÀããäÍã 759520.45 233152.02 992672.47 ½ãã¶ã‡ãŠ‚ã¶ã•ãÇ㊠‡ãìŠÊã
(Øã) ¨ãɥ㠕ããñãäŒã½ã ÀããäÍã ‡ãŠã ¼ããõØããñãäÊã‡ãŠ ‚ãããäÔ¦ã
ãäÌã¦ãÀ¥ã: ãä¶ããä£ã ‚ãã£ãããäÀ¦ã/ØãõÀ ãä¶ããä£ã ‚ãã£ãããäÀ¦ã 1 ‡ãŠãñ¾ãÊãã 1235.92 8.75 1244.67 1509.18
i) ãäÌãªñÍããè 93696.27 9392.41 103088.68 2 Œã¶ã¶ã 11243.65 82.15 11325.80 1504.87
ii) ªñÍããè 665824.18 223759.61 889583.79 3 ÊããñÖ †Ìãâ ƒÔ¹ãã¦ã 22301.76 737.47 23039.23 15120.84
(Üã) ¨ãɥ㠕ããñãäŒã½ã ÀããäÍã ‡ãŠã „²ããñØã ‡ãñŠ 4 £ãã¦ãì „¦¹ã㪠2729.77 184.83 2914.60 2618.79
¹ãƇãŠãÀ ‚ã¶ãìÔããÀ ãäÌã¦ãÀ¥ã
5 Ôã¼ããè ‚ããä¼ã¾ããâãä¨ã‡ãŠãè 14465.95 470.26 14936.21 17629.67
ãä¶ããä£ã ‚ãã£ãããäÀ¦ã/ØãõÀ ãä¶ããä£ã ‚ãã£ãããäÀ¦ã ‚ãÊãØã ‚ãÊãØã ‡ãðŠ¹ã¾ãã ¦ãããäÊã‡ãŠã '‡ãŠ' ªñŒãñ
(Ý) ‚ãããäÔ¦ã¾ããò ‡ãŠã ‚ãÌããäÍãÓ› ÔãâãäÌãªã¦½ã‡ãŠ 5.1 ƒÔã½ãò ƒÊãñ‡ã‹›Èãùãä¶ã‡ãŠ Ôãâºãâ£ããè 4590.18 342.04 4932.22 2039.23
¹ããäÀ¹ã‡ã‹Ìã¦ãã ãäÌãÍÊãñÓã¥ã ‡ãðŠ¹ã¾ãã ¦ãããäÊã‡ãŠã 'Œã' ªñŒãñ 6 ãäºã•ãÊããè 10024.98 1638.01 11662.99 6441.95
(Þã) ‚ã©ããæ㠂ãããäÔ¦ã¾ããò ‡ãŠãè ÀããäÍã (Ôã‡ãŠÊã)
7 ‡ãŠ¹ãü¡ã „²ããñØã 20221.98 450.16 20672.14 2703.77
¾ããñØã (i Ôãñ v) 18916.70
i) ‚ãÌã½ãã¶ã‡ãŠ 9451.50 8 •ãî› ÌãÔ¨ã 490.30 14.39 504.69 48.96
ii) ÔãâãäªØ£ã 1 3766.53 9 ‚㶾ã ÌãÔ¨ã 18364.12 284.79 18648.91 1179.54
iii) ÔãâãäªØ£ã 2 2745.12 10 Íã‡ã‹‡ãŠÀ 7303.06 17.72 7320.78 489.11
iv) ÔãâãäªØ£ã 3 1084.81 11 Þãã¾ã 482.61 102.72 585.33 67.07
v) Öããä¶ã¹ãƪ 1868.74 12 Œãã²ã ¹ãÆÔãâÔ‡ãŠÀ¥ã 13460.22 436.11 13896.33 797.37
(œ) ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 11167.59 13 Ìã¶ãÔ¹ã¦ããè ¦ãñÊã †Ìãâ Ìã¶ãÔ¹ã¦ããè 4083.96 113.09 4197.05 1139.61
(•ã) ‚ã¶ã•ãÇ㊠‚ãããäԦ㠂ã¶ãì¹ãã¦ã 14 ¦ã½ºãã‡ãîŠ / ¦ã½ºãã‡ãîŠ „¦¹ã㪠661.60 6.73 668.33 31.78
i) Ôã‡ãŠÊã ‚ããäØãƽããò ½ãò Ôã‡ãŠÊã
‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 1.91% 15 ‡ãŠãØã•ã /‡ãŠãØã•ã „¦¹ã㪠4550.32 182.14 4732.46 720.88
ii) ãä¶ãÌãÊã ‚ããäØãƽããò ½ãò ãä¶ãÌãÊã 16 Àºãü¡/ Àºãü¡ „¦¹ã㪠3139.35 62.90 3202.25 526.62
‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããâ 1.13% 17 ÀÔãã¾ã¶ã/ ÀâØããƒÃ/ ÀâØã ‚ãããäª 23435.78 428.00 23863.78 4974.99
(¢ã) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãŠãè Üã›-ºãü¤ (Ôã‡ãŠÊã) 17.1 ƒÔã½ãò „ÌãÃÀ‡ãŠ 6078.09 61.69 6139.78 2572.71
i) ‚ã©ãÍãñÓã 15546.56 17.2 ƒÔã½ãò ¹ãñ›ÈãñÀÔãã¾ã¶ã 2009.83 58.67 2068.50 1203.30
ii) ¹ããäÀÌã£ãöã 13238.47
17.3 ƒÔã½ãò ªÌãヾããâ †Ìãâ ‚ããõÓããä£ã¾ããú 8801.36 120.60 8921.96 882.73
iii) ‡ãŠ›ãõãä¦ã¾ããú 9868.33
18 Ôããè½ãò› 5104.96 31.88 5136.84 709.04
iv) ƒãä¦ãÍãñÓã 18916.70
19 Þã½ãü¡ã †Ìãâ Þã½ãü¡ã „¦¹ã㪠2257.94 31.45 2289.39 336.85
(šã) ‚ã¶ã•ãÇ㊠‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÊã†
¹ãÆãÌã£ãã¶ããò ‡ãŠã „¦ããÀ-Þãü¤ãÌã 20 À¦¶ã †Ìãâ ‚ãã¼ãîÓã¥ã 11849.93 230.06 12079.99 722.01
i) ‚ã©ãÍãñÓã 6468.93 21 ãä¶ã½ããÃ¥ã 16088.98 487.74 16576.72 5284.34
ii) ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã 5354.64 22 ¹ãñ›ÈãñãäÊã¾ã½ã 23271.80 19.01 23290.81 20654.45
iii) ºã›á›ã Œãã¦ãã ¡ãÊã¶ãã 4051.02 23 ‚ãã›ãñ½ããñºããƒÊã †Ìã⠛ȇ㊠8836.31 109.05 8945.36 406.22
iv) ‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãÌã£ãã¶ããò ‡ãŠã ¹ãÆã¦ä ãÊãñŒã¶ã 23.44 24 ‡ã⊹¾ãî›À Ôããù¹ã‹›Ìãñ¾ãÀ 20860.44 21.86 20882.30 455.36
v) ƒãä¦ãÍãñÓã 7749.11
25 ƒ¶¹ãÆŠãԛȇã‹ÞãÀ 35817.17 341.45 36158.62 9934.63
(›) ‚ã¶ã•ãÇ㊠ãä¶ãÌãñÍããò ‡ãŠãè ÀããäÍã 947.74
25.1 ƒÔã½ãò ¹ããùÌãÀ 15162.09 90.72 15252.81 1494.08
(Ÿ) ‚ã¶ã•ãÇ㊠ãä¶ãÌãñÍããò ‡ãñŠ ãäÊã†
¹ãÆãÌã£ãã¶ããò ‡ãŠãè ÀããäÍã 731.58 25.2 ƒÔã½ãò ªîÀ ÔãâÞããÀ 12235.18 122.04 12357.22 2614.26
(¡) ãä¶ãÌãñÍããò ¹ãÀ ÖÆãÔã ‡ãñŠ Ôãâºãâ£ã ½ãò 25.3 ƒÔã½ãò Ôãü¡‡ãŠ ‚ããõÀ ºãâªÀØããÖ 10108.64 71.41 10180.05 5610.00
¹ãÆãÌã£ãã¶ããò ‡ãŠã „¦ããÀ-Þãü¤ãÌã 26 ‚㶾㠄²ããñØã 112132.93 1597.95 113730.88 86942.30
‚ã©ãÍãñÓã 1269.91 27 †¶ã ºããè †¹ãŠ Ôããè ‚ããõÀ ›Èñãä¡âØã 130678.06 2363.45 133041.51 12133.63
‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ãä‡ãŠ† Øㆠ¹ãÆãÌã£ãã¶ã 1988.62
28 ÍãñÓã Ôã‡ãŠÊã ‚ããäØãƽããò ½ãò
ºã›á›ã Œãã¦ãã ¡ãÊã¶ãã 107.71 ‚ãÌããäÍãÓ› ‚ããäØãƽã 215509.90 8462.58 223972.48 38068.19
‚ããä¦ããäÀ‡ã‹¦ã ¹ãÆãÌã£ãã¶ããò ‡ãŠã ¹ãÆãä¦ãÊãñŒã¶ã 920.74 ‡ãìŠÊã 740603.75 18916.70 759520.45 233152.02
ƒãä¦ãÍãñÓã 230.08

226

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 STATE BANK OF INDIA Table- A
Table DF-4 : Credit Risk - Quantitative Disclosures Industry Type Distribution of Exposures as on 31.03.2009
Data as on 31.03.2009
(Amount in Rs. crores)
General Disclosures: Amount in Rs. crores
CODE INDUSTRY FUND BASED NON-FUND
Quantitative Disclosures Fund Based Non FB Total
[Outstandings-(O/s)] BASED(O/s)
(b) Total gross credit risk
exposures 759520.45 233152.02 992672.47 Standard NPA Total
(c) Geographic distribution 1 Coal 1235.92 8.75 1244.67 1509.18
of exposures : FB / NFB 2 Mining 11243.65 82.15 11325.80 1504.87
i) Overseas 93696.27 9392.41 103088.68
3 Iron & Steel 22301.76 737.47 23039.23 15120.84
ii) Domestic 665824.18 223759.61 889583.79
(d) Industry type distribution 4 Metal Products 2729.77 184.83 2914.60 2618.79
of exposures 5 All Engineering 14465.95 470.26 14936.21 17629.67
Fund based / Non Fund
Based separately Please refer Table “A” 5.1 Of which Electronics 4590.18 342.04 4932.22 2039.23
(e) Residual Contractual 6 Electricity 10024.98 1638.01 11662.99 6441.95
Maturity Breakdown
of Assets Please refer Table “B” 7 Cotton Textiles 20221.98 450.16 20672.14 2703.77
(f) Amount of NPAs (Gross) 8 Jute Textiles 490.30 14.39 504.69 48.96
i.e. SUM (i to v) 18916.70
i) Substandard 9451.50 9 Other Textiles 18364.12 284.79 18648.91 1179.54
ii) Doubtful 1 3766.53 10 Sugar 7303.06 17.72 7320.78 489.11
iii) Doubtful 2 2745.12 11 Tea 482.61 102.72 585.33 67.07
iv) Doubtful 3 1084.81
12 Food Processing 13460.22 436.11 13896.33 797.37
v) Loss 1868.74
(g) Net NPAs 11167.59 13 Vegetable Oils & Vanaspati 4083.96 113.09 4197.05 1139.61
(h) NPA Ratios 14 Tobacco / Tobacco Products 661.60 6.73 668.33 31.78
i) Gross NPAs to gross
15 Paper / Paper Products 4550.32 182.14 4732.46 720.88
advances 1.91%
ii) Net NPAs to net 16 Rubber / Rubber Products 3139.35 62.90 3202.25 526.62
advances 1.13%
17 Chemicals / Dyes / Paints etc. 23435.78 428.00 23863.78 4974.99
(i) Movement of NPAs (Gross)
i) Opening balance 15546.56 17.1 Of which Fertilizers 6078.09 61.69 6139.78 2572.71
ii) Additions 13238.47 17.2 Of which Petrochemicals 2009.83 58.67 2068.50 1203.30
iii) Reductions 9868.33 17.3 Of which Drugs &
iv) Closing balance 18916.70 Pharmaceuticals 8801.36 120.60 8921.96 882.73
(j) Movement of provisions
for NPAs 18 Cement 5104.96 31.88 5136.84 709.04
i) Opening balance 6468.93 19 Leather & Leather Products 2257.94 31.45 2289.39 336.85
ii) Provisions made 20 Gems & Jewellery 11849.93 230.06 12079.99 722.01
during the period 5354.64
iii) Write-off 4051.02 21 Construction 16088.98 487.74 16576.72 5284.34
iv) Write-back of excess 22 Petroleum 23271.80 19.01 23290.81 20654.45
provisions 23.44
23 Automobiles & Trucks 8836.31 109.05 8945.36 406.22
v) Closing balance 7749.11
(k) Amount of Non-Performing 24 Computer Software 20860.44 21.86 20882.30 455.36
Investments 947.74 25 Infrastructure 35817.17 341.45 36158.62 9934.63
(l) Amount of provisions held
for non-performing 25.1 Of which Power 15162.09 90.72 15252.81 1494.08
investments 731.58 25.2 Of which
(m) Movement of Provisions Telecommunication 12235.18 122.04 12357.22 2614.26
for Depreciation on
Investments 25.3 Of which Roads & Ports 10108.64 71.41 10180.05 5610.00
Opening balance 1269.91 26 Other Industries 112132.93 1597.95 113730.88 86942.30
Provisions made during
the period 1988.62 27 NBFCs & Trading 130678.06 2363.45 133041.51 12133.63
Write-off 107.71 28 Res. Adv to bal. Gross
Write-back of excess Advances 215509.90 8462.58 223972.48 38068.19
provisions 920.74
Total 740603.75 18916.70 759520.45 233152.02
Closing balance 2230.08

227

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 ¦ãããäÊã‡ãŠã-Œã
¡ã膹ãŠ-4 (Ý) ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ (Ôã½ãñãä‡ãŠ¦ã) ‚ãããäÔ¦ã¾ããò ‡ãŠã ã䪶ããâ‡ãŠ 31.03.2009 ‡ãŠãñ ‚ãÌããäÍãÓ› ÔãâãäÌãªãØã¦ã ¹ããäÀ¹ã‡ã‹Ìã¦ãã ãäÌãÌãÀ¥ã
(Á. ‡ãŠÀãñü¡ ½ãò)
1-14 15-28 29 ã䪶ã 3 ½ããÖ Ôãñ 6 ½ããÖ Ôãñ 1 ÌãÓãà Ôãñ 3 ÌãÓãà Ôãñ 5 ÌãÓãà Ôãñ ‡ãìŠÊã
ã䪶ã ã䪶ã Ôãñ ‚ããä£ã‡ãŠ ãä‡ã⊦ãì ‚ããä£ã‡ãŠ ãä‡ã⊦ãì ‚ããä£ã‡ãŠ ãä‡ã⊦ãì ‚ããä£ã‡ãŠ ãä‡ã⊦ãì 5 ‚ããä£ã‡ãŠ
3 ½ããÖ ¦ã‡ãŠ 6 ½ããÖ ¦ã‡ãŠ 1 ÌãÓãà ¦ã‡ãŠ 3 ÌãÓãà ¦ã‡ãŠ ÌãÓãà ¦ã‡ãŠ
1 ¶ã‡ãŠªãè 5363.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5363.36
2 ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ¹ããÔã •ã½ããÍãñÓã 16230.72 388.64 1369.74 2212.81 2620.91 12944.83 9706.07 23111.70 68585.42
3 ‚㶾㠺ãö‡ãŠãò ‡ãñŠ ¹ããÔã •ã½ããÍãñÓã 23186.51 1904.45 5549.05 575.46 2026.14 1236.76 1686.51 13488.21 49653.09
4 ãä¶ãÌãñÍã 23987.47 5613.52 27530.61 12193.11 13184.98 45140.81 71641.78 162693.15 361985.43
5 ‚ããäØãƽã 97969.41 11991.55 49144.30 38788.28 38698.20 326116.28 71203.83 116446.74 750358.59
6 ‚ãÞãÊã ‚ãããäÔ¦ã¾ããâ 17.90 0.00 0.00 0.00 0.00 3.30 2.38 5117.10 5140.68
7 ‚㶾㠂ãããäÔ¦ã¾ããâ 22006.29 4079.60 1341.42 5546.43 8590.74 5832.37 395.92 4659.64 52452.41
‡ãìŠÊã 188761.66 23977.76 84935.12 59316.09 65120.97 391274.35 154636.49 325516.54 1293538.98

¦ãããäÊã‡ãŠã ¡ã膹ãŠ-5 : ¨ãɥ㠕ããñãäŒã½ã :

½ãã¶ã‡ãŠãè‡ãðŠ¦ã ¹ã®ãä¦ã ‡ãñŠ ‚ãâ¦ãØãæã ÔãâãäÌã¼ããØããò Öñ¦ãì ¹ãƇ㊛¶ã
(‡ãŠ) Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã :
• ¹ãƾãì‡ã‹¦ã Àñãä›âØã †•ãñãäÔãâ¾ããò ‡ãŠñ ¶ãã½ã, Ôãã©ã ½ãò ¹ããäÀÌã¦ãöããò ‡ãñŠ ‡ãŠãÀ¥ã ¼ããè
¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ, ºãö‡ãŠ ¶ãñ ªñÍããè¾ã ‚ããõÀ ãäÌãªñÍããè ¨ãɥ㠕ããñãäŒã½ããò ‡ãŠãè Àñãä›âØã ‡ãñŠ ãäÊㆠ‡ãñŠ¾ãÀ, ãä‰ãŠãäÔãÊã, ‚ããƒÔããè‚ããÀ† †Ìãâ ãä¹ãŠÞã ƒâã䡾ãã (ªñÍããè¾ã ¨ãÉ¥ã
Àñãä›âØã †•ãòãäÔã¾ããò) †Ìãâ ãä¹ãŠÞã, ½ãî¡ãè•ã †Ìãâ †Ô㠆⡠¹ããè (‚ãâ¦ãÀÀãÓ›Èãè¾ã Àñãä›âØã †•ãòãäÔã¾ããò) ‡ãŠã ‚ã¶ãì½ããñã䪦ã Àñãä›âØã †•ãñãäÔãâ¾ããò ‡ãñŠ ¹㠽ãò ‰ãŠ½ãÍã: Þã¾ã¶ã ãä‡ãŠ¾ãã Öõ ãä•ã¶ã‡ãŠãè Àñãä›âØããò ‡ãŠã ¹ãîâ•ããè
¹ããäÀ‡ãŠÊã¶ã ‡ãñŠ ãäÊㆠ¹ãƾããñØã ãä‡ãŠ¾ãã Øã¾ããý ý
• ¨ãɥ㠕ããñãäŒã½ã ‡ãŠñ ¹ãƇãŠãÀ ãä•ãÔã‡ãñŠ ãäÊㆠ¹ãƦ¾ãñ‡ãŠ †•ãòÔããè „¹ã¾ããñØã ½ãò Êãã¾ããè Øã¾ããè
(i) †‡ãŠ ÌãÓãà Ôãñ ‡ãŠ½ã ‚ã©ãÌãã Ôã½ãã¶ã ÔãâãäÌãªã¦½ã‡ãŠ ¹ããäÀ¹ã‡ã‹Ìã¦ãã ÌããÊãñ ¨ãɥ㠕ããñãäŒã½ã Öñ¦ãì (‡ãõŠÍã ‰ãñŠãä¡›, ‚ããñÌãÀ¡Èã¹ã‹› †Ìã⠂㶾㠹ããäÀ‰ãŠã½ããè ¨ãÉ¥ããò ‡ãŠãñ œãñü¡‡ãŠÀ), ‚ã¶ãì½ããñã䪦ã Àñãä›âØã †•ãòãäÔã¾ããò
´ãÀã ªãè ØãƒÃ Íãã›Ã ›½ãà Àñãä›âØã „¹ã¾ããñØã ½ãò ÊããƒÃ ØãƒÃý
(ii) ªñÍããè¾ã ‡ãõŠÍã ‰ãñŠãä¡›, ‚ããñÌãÀ¡Èã¹ã‹› †Ìã⠂㶾㠹ããäÀ‰ãŠã½ããè ¨ãÉ¥ããò (‚ãÌããä£ã ‡ãŠã ãäÌãÞããÀ ãä‡ãŠ† ãäºã¶ãã) ‡ãñŠ ãäÊㆠ†Ìãâ 1 ÌãÓãà Ôãñ ‚ããä£ã‡ãŠ ‡ãŠñ ½ããè¾ããªãè ¨ãÉ¥ã ãä¶ãÌãñÍã Öñ¦ãì, ÊããâØã ›½ãà Àñãä›âØã
„¹ã¾ããñØã ½ãò ÊããƒÃ ØãƒÄý
(iii) ãäÌãªñÍããè ¨ãɥ㠕ããñãäŒã½ããò ‡ãñŠ ãäÊã†, ÔãâãäÌãªã¦½ã‡ãŠ ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãŠã ãäÌãÞããÀ ãä‡ãŠ† ãäºã¶ãã, ‚ã¶ãì½ããñã䪦ã Àñãä›âØã †•ãòãäÔã¾ããò ´ãÀã ªãè ØãƒÃ ÊããâØã ›½ãà Àñãä›âØã „¹ã¾ããñØã ½ãò ÊããƒÃ ØãƒÄý
• ¹ããäºÊã‡ãŠ ƒÍ¾ãî Àñãä›âØããò ‡ãŠãñ ºãöãä‡ãâŠØã ºãÖãè ½ãò ¦ãìÊã¶ãã ¾ããñؾ㠂ãããäÔ¦ã¾ããò ‡ãñŠ ‚ãâ¦ãÀ¥ã Öñ¦ãì „¹ã¾ããñØã ½ãò ÊããƒÃ ØãƒÃ ¹ãÆãä‰ãŠ¾ãã ‡ãŠã ãäÌãÌãÀ¥ã
ãä¶ã½¶ããäÊããäŒã¦ã ½ãã½ãÊããò ½ãò „Ôããè ¨ãÉ¥ããè- ØãÆãև㊠/ ¹ãÆãä¦ã¹ãàã ‡ãŠãè ‚ã¶¾ã ‚ã¶ãÀñã䛡 †‡ãŠÔ¹ããñ•ãÀãò ‡ãñŠ ãäÊㆠÊããâØã ›½ãà ƒÍ¾ãî Ô¹ãñãäÔããä¹ãŠ‡ãŠ Àñãä›âØã (ºãö‡ãŠ ‡ãŠñ ÔÌã¾ã ‡ãŠñ ¨ãɥ㠕ããñãäŒã½ããò ¾ãã „Ôããè ¨ãÉ¥ããè-
ØãÆãև㊠/ ¹ãÆãä¦ã¹ãàã ´ãÀã •ããÀãè ãä‡ãŠ† Øㆠ‚㶾㠨ãÉ¥ã) ‚ã©ãÌãã •ããÀãè‡ãŠ¦ããà (¨ãÉ¥ããè-ØãÆãÖ‡ãŠ/¹ãÆãä¦ã¹ãàã) Àñãä›âØã „¹ã¾ããñØã ½ãò ÊããƒÃ ØãƒÃâ:
• ƒÍ¾ãî Ô¹ãñãÔä ããä¹ãŠ‡ãŠ Àñã›ä Øâ ã ¾ãã •ããñãŒä ã½ã ¼ããÀ ‡ãŠãè ¦ãìÊã¶ãã ½ãò •ããÀãè‡ãŠ¦ããà Àñã›ä Øâ ã ½ãõ¹ã ¾ããäª ‚ã¶ãÀñã›ä ¡ †‡ã‹Ôã¹ããñ•ãÀãò ‡ãñŠ Ôã½ã¦ãìʾ㠾ãã ‚ããä£ã‡ãŠ Öö ¦ããñ „Ôããè ¹ãÆã¦ä ã¹ãàã ‡ãñŠ ãä‡ãŠÔããè ‚ã¶¾ã ‚ã¶ãÀñã›ä ¡ ¨ãɥ㠕ããñãŒä ã½ã
‡ãñŠ ãäÊㆠ„¹ã¾ããñØã ½ãò ÊããƒÃ •ãã¶ãñ ÌããÊããè Àñã›ä Øâ ã ‚ããõÀ ¾ããäª ¨ãɥ㠕ããñãŒä ã½ã ÖÀ ¹ãƇãŠãÀ Ôãñ Àñã›ä ¡ ¨ãɥ㠕ããñãŒä ã½ã ‡ãŠãè ½ãã¨ãã ‡ãñŠ ‚ã¶ãì¹㠾ãã „ÔãÔãñ ‡ãŠ½ã Öãñ ¦ããñ ÌãÖãè •ããñãŒä ã½ã ¼ããÀ ÊããØãî ãä‡ãŠ¾ãã Øã¾ããý
• „¶ã ½ãã½ãÊããò ½ãò •ãÖãâ ¨ãÉ¥ããè- ØãÆãÖ‡ãŠ/ ¹ãÆãä¦ã¹ãàã ¶ãñ ‡ãŠãñƒÃ ¨ãɥ㠕ããÀãè ãä‡ãŠ¾ãã Öõ (•ããñ ºãö‡ãŠ Ôãñ „£ããÀãè ¶ãÖãé Öõ), ¾ããäª ¨ãɥ㠕ããñãäŒã½ã ÖÀ ¹ãƇãŠãÀ Ôãñ ‡ãŠãä¦ã¹ã¾ã Àñãä›âØã ÌããÊãñ ¨ãɥ㠕ããñãäŒã½ã
‡ãŠãè ½ãã¨ãã ‡ãñŠ ‚ã¶ãì¹㠾ãã „ÔãÔãñ ‚ããä£ã‡ãŠ ©ããè ‚ããõÀ ºãö‡ãŠ ‡ãñŠ ‚ã¶ãÀñã䛡 †‡ãŠÔ¹ããñ•ãÀ ‡ãŠãè ¹ããäÀ¹ã‡ã‹Ìã¦ãã Àñã䛡 ¡õ› ‡ãŠãè ¹ããäÀ¹ã‡ã‹Ìã¦ãã ‡ãñŠ ºã㪠‡ãŠãè ¶ãÖãé ©ããè ¦ããñ „Ôã ¨ãɥ㠇ãŠãñ ªãè ØãƒÃ
Àñãä›âØã ºãö‡ãŠ ‡ãñŠ ‚ã¶ãÀñã䛡 †‡ãŠÔ¹ããñ•ãÀ ‡ãñŠ ãäÊㆠ„¹ã¾ããñØã ½ãò ÊããƒÃ ØãƒÃý
(Œã) 31-3-2009 ‡ãŠãñ Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã (ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
½ãã¶ã‡ãŠãè‡ãðŠ¦ã ¹ã®ãä¦ã ‡ãñŠ ‚ãâ¦ãØãæ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã 100% •ããñãäŒã½ã ¼ããÀ Ôãñ ¶ããèÞãñ : Á. 621590.56
‡ãñŠ ¹ãÍÞãã¦ã ¨ãɥ㠕ããñãäŒã½ã ‡ãŠãè ÀããäÍã¾ããò ‡ãñŠ ãäÊㆠ¹ãƦ¾ãñ‡ãŠ 100% •ããñãäŒã½ã ¼ããÀ : Á. 304530.27
•ããñãäŒã½ã Ôã½ãîÖ ‚ããõÀ ‡ãŠ›ãõ¦ããè ‡ãŠãè ØãƒÃ •ããñãäŒã½ã ÀããäÍã ½ãò ºãö‡ãŠ 100% Ôãò ‚ããä£ã‡ãŠ : Á. 60168.89
‡ãŠãè ºã‡ãŠã¾ãã ÀããäÍã¾ããú (Àñãä›âØã Ôããä֦㠂ããõÀ Àñãä›âØã ÀãäÖ¦ã) ‡ãŠ›ãõ¦ããè ‡ãŠãè : Á. —6382.75
¾ããñØã : Á. 992672.47

¦ãããäÊã‡ãŠã ¡ã膹ãŠ-6 ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã:½ãã¶ã‡ãŠãè‡ãðŠ¦ã ¹ã®ãä¦ã ‡ãñŠ ãäÊㆠ¹ãƇ㊛ãè‡ãŠÀ¥ã

(‡ãŠ) Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
• Ôãâ¹ãããäÍÃÌã‡ãŠ ½ãîʾããâ‡ãŠ¶ã ‚ããõÀ ¹ãƺãâ£ã¶ã ‡ãñŠ ãäÊㆠ¶ããèãä¦ã¾ããú ‚ããõÀ ¹ãÆãä‰ãŠ¾ãã†ú
¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ‚ããõÀ Ôãâ¹ãããäÍÌãÇ㊠¹ãƺãâ£ã¶ã ‡ãñŠ ãäÊㆠ†‡ãŠ ¶ããèãä¦ã ãä¶ã£ããÃãäÀ¦ã ‡ãŠãè ØãƒÃ Öõ, ãä•ãÔã½ãò ¹ãîâ•ããè - ¹ããäÀ‡ãŠÊã¶ã ‡ãñŠ ãäÊㆠ¹ãƾãì‡ã‹¦ã ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãñŠ ¹ãÆãä¦ã ºãö‡ãŠ
‡ãŠã ÒãäÓ›‡ãŠãñ¥ã Ô¹ãÓ› ãä‡ãŠ¾ãã Øã¾ãã Öõý
ƒÔã ¶ããèã¦ä ã ‡ãŠã „ªáªñ;㠨ãɥ㠕ããñãŒä ã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãŠã ƒÔã ¤âØã Ôãñ ÌãØããê‡ãŠÀ¥ã ‚ããõÀ ½ãîʾããâ‡ãŠ¶ã ‡ãŠÀ¶ãã Öõ ãä‡ãŠ „¶ã‡ãñŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã ‡ãñŠ ãäÊㆠãä¶ã¾ãã½ã‡ãŠ ¹ãî•â ããè Ôã½ãã¾ããñ•ã¶ã ãä‡ãŠ† •ãã Ôã‡ãŠñýâ
ƒÔã ¶ããèãä¦ã ½ãò ̾ãã¹ã‡ãŠ ÒãäÓ›‡ãŠãñ¥ã ‚ã¹ã¶ãã¾ãã Øã¾ãã Öõ, ãä•ãÔã‡ãñŠ ´ãÀã ¨ãɥ㠕ããñãäŒã½ã ‡ãñŠ ãäÊㆠÔã½ãìãäÞã¦ã ¹ã Ôãñ ¹ãÆãä¦ã Ôãâ¦ãìÊã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãÍÞãã¦ã Ôãâ¹ãããäÍÌãÇ㊠¹ãÆãä¦ã¼ãîãä¦ã ‡ãñŠ ½ãîʾ㠇ãñŠ Ôã½ãã¶ã
¨ãɥ㠕ããñãäŒã½ã ÀããäÍã ‡ãŠãÀØãÀ ¤âØã Ôãñ Üã›ã‡ãŠÀ Ôãâ¹ãããäÍÌãÇ㊠¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠã ¹ãî¥ãà ¹ã Ôãñ Ôã½ãã¾ããñ•ã¶ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý ƒÔã ¶ããèãä¦ã ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ãäÌãÓã¾ããò ¹ãÀ £¾ãã¶ã ã䪾ãã Øã¾ãã Öõ :
(i) ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãŠã ÌãØããê‡ãŠÀ¥ã
(ii) ÔÌããè‡ãŠã¾ãà ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªò
(iii) ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãñŠ ãäÊㆠ¹ãÆÊãñŒããè‡ãŠÀ¥ã ‚ããõÀ ãäÌããä£ã‡ãŠ ¹ãÆãä‰ãŠ¾ãã
(iv) Ôãâ¹ãããäÍÃÌã‡ãŠ ¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠã ½ãîʾããâ‡ãŠ¶ã
(v) Ôãâ¹ãããäÍÃÌã‡ãŠ ¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠãè ‚ããä¼ãÀàãã
(vi) ºããè½ãã
(vii) ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãŠãè ãä¶ãØãÀã¶ããè

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 Table- B
DF-4 (e) SBI (Consolidated) Residual contractual maturity breakdown of assets as on 31.03.2009
(Rupees in crores)
1-14 15-28 29 days Over 3 Over 6 Over Over 3 Over 5 Total
days days & up to months & months & 1 year years & years
3 months upto 6 upto 1 year & upto upto
months 3 years 5 years
1 Cash 5363.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5363.36
2 Balances with RBI 16230.72 388.64 1369.74 2212.81 2620.91 12944.83 9706.07 23111.70 68585.42
3 Balances with other Banks 23186.51 1904.45 5549.05 575.46 2026.14 1236.76 1686.51 13488.21 49653.09
4 Investments 23987.47 5613.52 27530.61 12193.11 13184.98 45140.81 71641.78 162693.15 361985.43
5 Advances 97969.41 11991.55 49144.30 38788.28 38698.20 326116.28 71203.83 116446.74 750358.59
6 Fixed Assets 17.90 0.00 0.00 0.00 0.00 3.30 2.38 5117.10 5140.68
7 Other Assets 22006.29 4079.60 1341.42 5546.43 8590.74 5832.37 395.92 4659.64 52452.41
TOTAL 188761.66 23977.76 84935.12 59316.09 65120.97 391274.35 154636.49 325516.54 1293538.98

TABLE DF-5 : CREDIT RISK:

DISCLOSURES FOR PORTFOLIOS SUBJECT TO STANDARDISED APPROACH
(a) Qualitative Disclosures:
• Names of Credit Rating Agencies used, plus reasons for any changes
As per the RBI Guidelines, the Bank has identified CARE, CRISIL, ICRA and FITCH India (Domestic Credit Rating Agencies) and
FITCH, Moody's and S&P (International Rating Agencies) as approved Rating Agencies, for the purpose of rating Domestic and
Overseas Exposures, respectively, whose ratings are used for the purpose of capital calculation.
• Types of exposures for which each Agency is used
(i) For Exposures with a contractual maturity of less than or equal to one year (except Cash Credit, Overdraft and other Revolving
Credits), Short-term Ratings given by approved Rating Agencies is used.
(ii) For Domestic Cash Credit, Overdraft and other Revolving Credits (irrespective of the period) and for Term Loan exposures of
over 1 year, Long Term Ratings is used.
(iii) For Overseas Exposures, irrespective of the contractual maturity, Long Term Ratings given by approved Rating Agencies is used.
• Description of the process used to transfer Public Issue Ratings onto comparable assets in the Banking Book
Long-term Issue Specific Ratings (For the Bank's own exposures or other issuance of debt by the same borrower-constituent/
counter-party) or Issuer (borrower-constituents/counter-party) Ratings are applied to other unrated exposures of the same borrower-
constituent/counter-party in the following cases :
• If the Issue Specific Rating or Issuer Rating maps to Risk Weight equal to or higher than the unrated exposures, any other
unrated exposure on the same counter-party is assigned the same Risk Weight, if the exposure ranks pari passu or junior to the
rated exposure in all respects.
• In cases where the borrower-constituent/counter-party has issued a debt (which is not a borrowing from the Bank), the rating
given to that debt is applied to the Bank's unrated exposures, if the Bank's exposure ranks pari passu or senior to the specific
rated debt in all respects and the maturity of unrated Bank's exposure is not later than the maturity of rated debt.
(b) Quantitative Disclosures as on 31.03.2009 (Amount in Rupee crores)
For exposure amounts after risk mitigation subject to Below 100% RW : Rs. 621590.56
the standardised approach, amount of a bank’s 100% RW : Rs. 304530.27
outstandings (rated and unrated) in each risk bucket More than 100% : Rs. 60168.89
as well as those that are deducted Deducted : Rs. 6382.75
Total . Rs. 992672.47

TABLE DF-6 : CREDIT RISK MITIGATION: DISCLOSURES FOR STANDARDISED APPROACH

(a) Qualitative Disclosures :
• Policies and Processes for Collateral Valuation and Management
A Credit Risk Mitigation and Collateral Management Policy, addressing the Bank's approach towards the credit risk mitigants
used for capital calculation is in place.
The objective of this Policy is to enable classification and valuation of credit risk mitigants in a manner that allows regulatory
capital adjustment to reflect them.
The Policy adopts the Comprehensive Approach, which allows full offset of collateral (after appropriate haircuts), wherever
applicable against exposures, by effectively reducing the exposure amount by the value ascribed to the collateral. The following
issues are addressed in the Policy :
(i) Classification of credit risk mitigants
(ii) Acceptable credit risk mitigants
(iii) Documentation and legal process requirements for credit risk-mitigants
(iv) Valuation of collateral
(v) Custody of collateral
(vi) Insurance
(vii) Monitoring of credit risk mitigants

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• ºãö‡ãŠ ´ãÀã ½ã쌾ã¦ã¾ãã ãä•ãÔã ¹ãƇãŠãÀ ‡ãŠãè Ôãâ¹ãããäÍÃÌã‡ãŠ ¹ãÆãä¦ã¼ãîãä¦ã¾ããú Êããè ØãƒÃ Öö „¶ã‡ãŠã º¾ããñÀã
½ãã¶ã‡ãŠãè‡ãðŠ¦ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ ‚ãâ¦ãØãæã Ôãã½ã㶾ã¦ã¾ãã ãä¶ã½¶ããäÊããäŒã¦ã Ôãâ¹ãããäÍÃÌã‡ãŠ ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠãñ ¨ãɥ㠕ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãñŠ ¹㠽ãò ½ã㶾ã¦ãã ¹ãÆ㹦ã Öõ:
• ¶ã‡ãŠªãè ¾ãã ¶ã‡ãŠªãè Ôã½ã¦ãìʾã (ºãö‡ãŠ •ã½ããÀããäÍã¾ããú/†¶ã†ÔãÔããè/ãä‡ãŠÔãã¶ã ãäÌã‡ãŠãÔã ¹ã¨ã/†Êã‚ããƒÃÔããè ¹ããùãäÊãÔããè ‚ãããäª)
• ÔÌã¥ãÃ
• ‡ãòŠ³ãè¾ã / À㕾ã ÔãÀ‡ãŠãÀãò ´ãÀã •ããÀãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú
• †ñÔããè ¨ãɥ㠹ãÆãä¦ã¼ãîãä¦ã¾ããú ãä•ã¶Öò ºããèºããèºããè ¾ãã ºãñÖ¦ãÀ Àñãä›âØã ¹ãÆ㹦ã Öõ / ‚ãʹããÌããä£ã ¨ãÉ¥ã ãäÊãŒã¦ããò ‡ãñŠ ãäÊㆠ¹ããè‚ããÀ 3 / ¹ããè 3 / †¹ãŠ 3 / † 3
• ½ã쌾ã¦ã¾ãã ãä•ãÔã ¹ãƇãŠãÀ ‡ãñŠ ¹ãÆãä¦ã¹ãàããè¾ã ØããÀâ›ãè‡ãŠ¦ããà ÔÌããè‡ãŠãÀ ãä‡ãŠ† •ãã¦ãñ Öö „¶ã‡ãŠã º¾ããñÀã ‚ããõÀ „¶ã‡ãŠãè ¨ãÉ¥ã - ¹ãã¨ã¦ãã
ºãö‡ãŠ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãì¹ã ãä¶ã½¶ããäÊããäŒã¦ã ÔãâÔ©ãã‚ããò ‡ãŠãñ ¹ãã¨ã ØããÀâ›ãè‡ãŠ¦ããÂããò ‡ãñŠ ¹㠽ãò ÔÌããè‡ãŠãÀ ‡ãŠÀ¦ãã Öõ :
• ÔãÀ‡ãŠãÀ, ÔãÀ‡ãŠãÀãè ÔãâÔ©ãã†ú (ºããè‚ããƒÃ†Ôã, ‚ããƒÃ†½ã†¹ãŠ, ¾ãîÀãñ¹ããè¾ã ‡ãòŠ³ãè¾ã ºãö‡ãŠ ‚ããõÀ ¾ãîÀãñ¹ããè¾ã Ôã½ãìªã¾ã ¦ã©ãã ºãÖìªñÍããè¾ã ãäÌã‡ãŠãÔã ºãö‡ãŠ, ƒÃÔããè•ããèÔããè ‚ããõÀ Ôããè•ããè›ã膽ã†ÔãƒÃ, ÔãÀ‡ãŠãÀãè àãñ¨ã
‡ãñŠ „²ã½ã, ºãö‡ãŠ ‚ããõÀ ¹ãÆã©ããä½ã‡ãŠ ̾ãã¹ããÀãè (¹ãÆヽãÀãè ¡ãèÊãÀ) ãä•ã¶ã‡ãŠã ¹ãÆãä¦ã¹ãàã ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‡ãŠ½ã •ããñãäŒã½ã ¼ããÀ Öãñý
• ‚㶾ã ØããÀâ›ãè‡ãŠ¦ããà ãä•ã¶ã‡ãŠãè ºããÛã Àñãä›âØã †† ¾ãã ºãñÖ¦ãÀ Öãñý ¾ããäª ØããÀâ›ãè‡ãŠ¦ããà ‡ãŠãñƒÃ ½ãîÊã, Ôãâºã® ‡ã⊹ã¶ããè ¾ãã ‚ã¶ãìÓãâØããè Öãñ ¦ããñ „¶ã‡ãŠã •ããñãäŒã½ã ¼ããÀ ØããÀâ›ãè ‡ãñŠ ãäÊㆠºãö‡ãŠ ´ãÀã ½ã㶾ã¦ãã¹ãÆ㹦ã
ºã㣾ã¦ãã£ããÀãè (‚ããùãäºÊãØãÀ) Ôãñ ‡ãŠ½ã Öãñ¶ãã ÞãããäÖ†ý ØããÀâ›ãè‡ãŠ¦ããà ‡ãŠãè Àñãä›âØã „Ôã ÔãâÔ©ãã ‡ãŠãè Àñãä›âØã ‡ãñŠ Ôã½ãã¶ã Öãñ¶ããè ÞãããäÖ† ãä•ãÔã‡ãŠãè „Ôã ÔãâÔ©ãã ‡ãŠãè Ôã¼ããè ªñ¾ã¦ãã‚ããò ‚ããõÀ ºã㣾ã¦ãã‚ããò
(ØããÀâã䛾ããò ½ãò ¼ããè) ½ãò ãäÖÔÔãñªãÀãè Öõ ý
•ããñãäŒã½ã ¶¾ãî¶ããè‡ãŠÀ¥ã ½ãªãò ‡ãñŠ ¼ããè¦ãÀ ‚ããä£ã‡ãŠ •ããñãäŒã½ã ÌããÊãñ (ºãã•ããÀ ¾ãã ¨ãÉ¥ããò) ‡ãñŠ ºããÀñ ½ãò •ãã¶ã‡ãŠãÀãè :
ºãö‡ãŠ ‡ãŠã ‚ãããäÔ¦ã - ÔãâãäÌã¼ããØã ¼ãÊããè¼ããâãä¦ã ãäÌããäÌã£ããè‡ãðŠ¦ã Öõ ãä•ãÔã‡ãñŠ ãäÊㆠãäÌããä¼ã¸ã ¹ãƇãŠãÀ ‡ãŠãè Ôãâ¹ãããäÍÌãÇ㊠¹ãÆãä¦ã¼ãîãä¦ã¾ããú ¹ãÆ㹦㠇ãŠãè ØãƒÃ Öö, ¾ã©ãã :-
• …¹ãÀ ÔãîÞããèºã® ¹ãã¨ã ãäÌ㦦ããè¾ã Ôãâ¹ãããäÍÌãÇ㊠¹ãÆãä¦ã¼ãîãä¦ã¾ããú
• ÔãÀ‡ãŠãÀãò ‚ããõÀ ‚ãÞœãè Àñãä›âØã ÌããÊãñ ‡ãŠãÀ¹ããñÀñ›ãò ´ãÀã ØããÀâã䛾ããú,
• ¹ãÆãä¦ã¹ãàããò ‡ãŠãè ‚ãÞãÊã ‚ããõÀ ÞããÊãî ‚ãããäÔ¦ã¾ããú,
(Œã) ½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã: 31.03.2009 ‡ãŠãñ ãäÔ©ããä¦ã (ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò)
½ãã¶ã‡ãŠãè‡ãðŠ¦ã ¹ã®ãä¦ã ‡ãñŠ ‚ãâ¦ãØãæ㠹ãƇãŠã䛦㠨ãɥ㠕ããñãäŒã½ã ÔãâãäÌã¼ããØã Öñ¦ãìâ ½ãããä•ãöã ÊããØãî ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãÍÞãã¦ã ¹ãã¨ã
ãäÌ㦦ããè¾ã Ôãâ¹ãããäÍÌãÇ㊠´ãÀã ÔãâÀãäàã¦ã ‡ãìŠÊã ¨ãÉ¥ã Á. 112650.38

¦ãããäÊã‡ãŠã ¡ã膹ãŠ-7: ¹ãÆãä¦ã¼ãîãä¦ã‡ãŠÀ¥ã: ½ãã¶ã‡ãŠãè‡ãðŠ¦ã ¹ã®ãä¦ã Ôãâºãâ£ããè ¹ãƇ㊛ãè‡ãŠÀ¥ã

(31.03.2009 ‡ãŠãñ)
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
• ¹ãÆãä¦ã¼ãîãä¦ã‡ãŠÀ¥ã Øããä¦ããäÌããä£ã¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ºãö‡ãŠ ‡ãŠã „ªáªñ;ã Êãã¼ã-Ôã½ãã¶ãì¹ãã¦ããò, ‚ãããäÔ¦ã ãä¶ãÓ¹ã㪶㠆Ìãâ Øãì¥ãÌ㦦ãã ‚ããõÀ ƒãäÞœ¦ã ãäÌããä¶ã£ãã¶ã †Ìãâ ¹ããäÀ¹ã‡ã‹Ìã¦ãã àãñ¨ããò ½ãò ºãñÖ¦ãÀãè ¹ãÆ㹦㠇ãŠÀ¶ãã Öõý
• Ô¹ãñÍãÊã ¹ãÀ¹ã•ã ÌãñãäÖ‡ãŠÊã (†Ôã¹ããèÌããè) ‡ãŠãñ ‚ãâ¦ããäÀ¦ã ‚ãããäÔ¦ã¾ããò ‡ãŠãè ãäºã‰ãŠãè ½ãò Öì† Üãã›ñ ‡ãŠãñ ¹ãÆãÀâ¼ã ½ãò Öãè Íãããä½ãÊã ‡ãŠÀ ãäÊã¾ãã •ãã†Øããý
• ¹ãÆãä¦ã¼ãîãä¦ã‡ãðŠ¦ã ‚ãããäÔ¦ã¾ããò ‡ãŠãè ãäºã‰ãŠãè ¹ãÀ Öì† Êãã¼ã ‡ãŠã †Ôã¹ããèÌããè ´ãÀã ¹ãƪ¦¦ã ¹ããÔã ©ãîÆ ¹ãƽãã¥ã ¹ã¨ã (¹ããè ›ãè Ôããè) ½ãò ªãè ØãƒÃ ‚ãÌããä£ã ‡ãñŠ ‚ãâ¦ãØãæ㠹ããäÀÍããñ£ã¶ã ãä‡ãŠ¾ãã •ãã†Øããý
½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
‡ãŠãñƒÃ ¼ããè ¹ãÆãä¦ã¼ãîãä¦ã‡ãŠÀ¥ã •ããñãäŒã½ã ¶ãÖãé Öõ, ƒÔããäÊㆠ‡ãŠãñƒÃ ½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã ¶ãÖãé ãä‡ãŠ¾ãã •ãã ÀÖã Öõý

¦ãããäÊã‡ãŠã ¡ã膹ãŠ-8 : ̾ãã¹ããÀ-ºãÖãè ½ãò ºãã•ããÀ-•ããñãäŒã½ã

31.03.2009 ‡ãŠãñ ½ãã¶ã‡ãŠãè‡ãðŠ¦ã ‚ãÌããä£ã ¹ã®ãä¦ã ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¦ãñ Öì† ºãö‡ãŠãò ‡ãñŠ ãäÊㆠ¹ãƇ㊛ãè‡ãŠÀ¥ã
Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã :
1) ºãã•ããÀ •ããñãäŒã½ã ‡ãŠãè Øã¥ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæã - ½ãã¶ã‡ãŠãè‡ãðŠ¦ã ‚ãÌããä£ã ¹ã®ãä¦ã ´ãÀã ãä¶ã½¶ããäÊããäŒã¦ã ÔãâãäÌã¼ããØããò ‡ãŠãñ Íãããä½ãÊã ãä‡ãŠ¾ãã Øã¾ãã Öõ :
• `̾ãã¹ããÀ ‡ãñŠ ãäÊㆠÀŒããè ØãƒÃ' ‚ããõÀ `ãäºã‰ãŠãè ‡ãñŠ ãäÊㆠ„¹ãÊ㺣ã' Ñãñãä¥ã¾ããò ‡ãñŠ ‚ãâ¦ãØãæ㠂ãã¶ãñ ÌããÊããè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú
• `̾ãã¹ããÀ ‡ãñŠ ãäÊㆠÀŒããè ØãƒÃ' ‚ããõÀ `ãäºã‰ãŠãè ‡ãñŠ ãäÊㆠ„¹ãÊ㺣ã' Ñãñãä¥ã¾ããò ‡ãŠãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠãè ¹ãÆãä¦ãÀàãã ‡ãñŠ ãäÊㆠ‚ããõÀ ̾ãã¹ããÀ ‡ãñŠ ãäÊㆠ¡ñÀãèÌãñãä›ÌÔã ãä¶ãÓ¹ããã䪦ã ãä‡ãŠ† Øã†ý
2) •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ÔãâÀÞã¶ãã ‡ãñŠ ãäÊㆠºãö‡ãŠ ‚ããõÀ ‚ã¶ãìÓãâãäØã¾ããò ‡ãñŠ Ôãâºãâãä£ã¦ã ºããñ¡ãô ‡ãñŠ ‚ã¶ãì½ããñª¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ºãã•ããÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ãäÌã¼ããØã (†½ã‚ããÀ†½ã¡ãè)/½ã£¾ã ‡ãŠã¾ããÃÊã¾ã ŒããñÊãñ ØㆠÖöý ºãã•ããÀ •ããñãäŒã½ã
ƒ‡ãŠãƒ¾ããâ - Àã•ã‡ãŠãñÓã ¹ããäÀÞããÊã¶ããò ½ãò ºãã•ããÀ •ããñãäŒã½ã ‡ãŠãè ¹ãÖÞãã¶ã, „¶ã‡ãñŠ ½ãîʾããâ‡ãŠ¶ã, ãä¶ãØãÀã¶ããè ‚ããõÀ ãäÀ¹ããñãä›ÄØã ‡ãñŠ ãäÊㆠ„¦¦ãÀªã¾ããè Öãñ¦ããè Öõâý
3) ¹ãƦ¾ãñ‡ãŠ ‚ãããäÔ¦ã ÌãØãà ‡ãñŠ ãäÊㆠ- ÔãìÔ¹ãÓ› ºãã•ããÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ½ãã¶ãªâ¡ãò Ôããä֦㠺ããñ¡Ã ´ãÀã ‚ã¶ãì½ããñã䪦ã ̾ãã¹ããÀ ‚ããõÀ ãäÌããä¶ã£ãã¶ã ¶ããèãä¦ã¾ããâ ÊããØãî ‡ãŠãè ØãƒÃ Ööý •ããñãäŒã½ã ãä¶ãØãÀã¶ããè †‡ãŠ Ôã¦ã¦ã ¹ãÆãä‰ãŠ¾ãã Öõ ‚ããõÀ ãä¶ã£ããÃãäÀ¦ã
‚ãâ¦ãÀãÊããò ¹ãÀ ãäÔ©ããä¦ã ‡ãŠãè ÔãîÞã¶ãã ÍããèÓãà ¹ãƺãâ£ã¶ã ‚ããõÀ •ããñãäŒã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‡ãŠãñ ªãè •ãã¦ããè Öõý
4) •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ‚ããõÀ „Ôã‡ãŠãè ãäÀ¹ããñãä›ÄØã ÔãÌãÃÑãñÓŸ ‚ãâ¦ãÀãÃÓ›Èãè¾ã ¹ãÆ©ãã‚ããò ‡ãñŠ ‚ã¶ãìÔããÀ ‚ããÍããñãä£ã¦ã ‚ãÌããä£ã, ‚ãã£ããÀ ãäºã¶ªì ‡ãŠã ‡ãŠãè½ã¦ã ½ãîʾã, ‚ããä£ã‡ãŠ¦ã½ã ‚ã¶ãì½ã¦ã •ããñãäŒã½ã, ãä¶ãÌãÊã ‚ããÀâãä¼ã‡ãŠ ÀããäÍã Ôããè½ãã, ¹ãîÀ‡ãŠ
Ôããè½ãã, •ããñãäŒã½ã ½ãîʾ㠕ãõÔãñ ½ãã¶ãªâ¡ãò ¹ãÀ ‡ãŠãè •ãã¦ããè Öõý
5) ãäÌãªñÍããè ‡ãŠã¾ããÃÊã¾ã ‚ã¹ã¶ãñ ãä¶ãÌãñÍã-ÔãâãäÌã¼ããØã ‡ãŠãè ãä¶ãØãÀã¶ããè „Ôã ªñÍã ‡ãñŠ Ô©ãã¶ããè¾ã ãäÌããä¶ã¾ãã½ã‡ãŠ ‡ãŠãè ‚ã¹ãñàãã‚ããò ‡ãñŠ ‚ã¶ãìÔããÀ ‡ãŠÀ¦ãñ Ööý ‡ãŠãä¦ã¹ã¾ã ÔãâãäÌã¼ããØããò ‡ãñŠ ãä‡ãŠÔããè †‡ãŠ ãäÌããä¶ã£ãã¶ã ‡ãñŠ ãäÊㆠԛã¹ã ÊããñÔã ãäÊããä½ã›
‚ããõÀ •ããñãäŒã½ã Ôããè½ãã†úúñ ãä¶ã£ããÃãäÀ¦ã ‡ãŠãè ØãƒÃ Öõâý
6) •ããñãäŒã½ã ¹ãÀñŒãã‚ããò ‡ãŠã ãäÌãÍÊãñÓã¥ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ‚ããõÀ „¶ã‡ãŠãè ¹ãƼããÌã‡ãŠããäÀ¦ãã ‡ãŠãè ãä¶ãÀâ¦ãÀ ‚ãã£ããÀ ¹ãÀ ãä¶ãØãÀã¶ããè ‡ãŠãè •ãã¦ããè Öõý
7) ¹ãŠãñÀñ‡ã‹Ôã ‚ããñ¹ã¶ã ¹ããñ•ããèÔã¶ã Ôããè½ãã†â (ã䪶ã/Àã¦ã), ÔããõªãÌããÀ Öããä¶ãÀãäÖ¦ã Ôããè½ãã†â, Öããä¶ã ãä¶ã¾ãâãä¨ã¦ã Ôããè½ãã†â, ¹ãÆãä¦ã ½ãì³ã ̾ãã¹ããÀ ‡ãñŠ Ôãâºãâ£ã ½ãò Êãã¼ã/Öããä¶ã ‡ãŠãè „ãäÞã¦ã ãä¶ãØãÀã¶ããè ÀŒããè •ãã¦ããè Öõ ‚ããõÀ ‚ã¹ãÌããªã¦½ã‡ãŠ ÔãîÞã¶ãã
¹ãÀ ãä¶ã¾ããä½ã¦ã £¾ãã¶ã ã䪾ãã •ãã¦ãã Ööý
½ãã¨ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã :
31.03.2009 ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ã¶ãìÔããÀ - ºãã•ããÀ •ããñãäŒã½ã ‡ãñŠ ãäÊㆠ¶¾ãî¶ã¦ã½ã ãäÌããä¶ã¾ãã½ã‡ãŠ ¹ãîú•ããè ‚ã¹ãñàãã ãä¶ã½¶ãÌã¦ã Öõ : (Á¹ã¾ãñ ‡ãŠÀãñü¡ ½ãò)
• º¾ãã•ã ªÀ •ããñãäŒã½ã
(¡ñÀãèÌãñãä›ÌÔã ÔããäÖ¦ã) : 2,041.71
• ƒÃãä‡ã‹Ìã›ãè ãäÔ©ããä¦ã •ããñãäŒã½ã : 1,615.29
• ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã •ããñãäŒã½ã : 109.93
(ãä•ã¶ã½ãò ÔÌã¥ãà Íãããä½ãÊã Öõ)
¾ããñØã : 3,766.93

230

C230 K230
• Description of the main types of Collateral taken by the Bank
The following Collaterals are usually recognised as Credit Risk Mitigants under the Standardised Approach :
• Cash or Cash equivalent (Bank Deposits/NSCs/KVP/LIC Policy, etc.)
• Gold
• Securities issued by Central / State Governments
• Debt Securities rated BBB- or better/ PR3/P3/F3/A3 for Short-Term Debt Instruments
• Main types of Guarantor Counterparty and their creditworthiness
The Bank accepts the following entities as eligible guarantors, in line with RBI Guidelines :
• Sovereign, Sovereign entities [including Bank for International Settlements (BIS), International Monetary Fund (IMF),
European Central Bank and European Community as well as Multilateral Development Banks, Export Credit & Guarantee
Corporation (ECGC) and Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)], Public Sector Enterprises
(PSEs), Banks and Primary Dealers with a lower risk weight than the Counterparty.
• Other guarantors having an external rating of AA or better. In case the guarantor is a parent company, affiliate or subsidiary,
they should enjoy a risk weight lower than the obligor for the guarantee to be recognised by the Bank. The rating of
the guarantor should be an entity rating which has factored in all the liabilities and commitments (including guarantees)
of the entity.
Information about (Market or Credit) risk concentrations within the mitigation taken:
The Bank has a well-dispersed portfolio of assets which are secured by various types of collaterals, such as:-
• Eligible financial collaterals listed above,
• Guarantees by sovereigns and well-rated corporates,
• Fixed assets and current assets of the counterparty.
(b) Quantitative Disclosures: Status as on 31.03.2009 (Amount in Rupee crores)
For disclosed Credit Risk Portfolio under Standardised Approach, the total exposure
that is covered by eligible financial collateral, after the application of haircuts: Rs. 112650.38

TABLE DF-7 : SECURITISATION: DISCLOSURES FOR STANDARDISED APPROACH

As on 31.03.2009
Qualitative Disclosures
• Bank's objective in relation to Securitisation activity is to achieve improvements in leverage ratios, asset performance &
quality and to achieve desirable investment & maturity characteristics.
• Loss on sale on transfer of assets to Special Purpose Vehicle (SPV) shall be recognised upfront.
• Profit on sale of the securitised assets shall be amortised over the life of the Pass Through Certificates (PTCs) assets issued or
to be issued by SPV.
Quantitative Disclosures
As there are no securitization exposures, no quantitative disclosures are being made.

TABLE DF-8 : MARKET RISK IN TRADING BOOK

Disclosures for banks using the Standardised Duration Approach as on 31.03.2009
Qualitative disclosures:
1) The following portfolios are covered by the Standardised Duration approach for calculation of Market Risk:
• Securities held under the Held for Trading (HFT) and Available for Sale (AFS) categories.
• Derivatives entered into for hedging HFT and AFS securities and Derivatives entered into for Trading.
2) Market Risk Management Department (MRMD)/Mid-Office have been put in place based on the approval accorded by the respective
Boards of Banks and other subsidiaries for the Risk Management Structure. Market risk units are responsible for identification,
assessment, monitoring and reporting of Market Risk in Treasury operations.
3) Board approved Trading policies and Investment Policies with defined Market Risk management parameters for each asset class
are in place. Risk monitoring is an ongoing process with the position reported to the Top management and the Risk Management
Committee of the Board at stipulated intervals.
4) Risk Management and reporting is based on parameters such as a Modified Duration, Price Value of Basis Point (PVBP), Maximum
permissible Exposures, Net Open Position limits, Gap limits, Value at Risk (VaR) etc, in line with the global best practices.
5) Respective Foreign Offices are responsible for risk monitoring of their investment portfolio as per the local regulatory requirements.
Stop loss limit for individual investments and exposure limits for certain portfolios have been prescribed.
6) Risk Profiles are analysed and their effectiveness is monitored on an ongoing basis.
7) Forex open position limits (Daylight/Overnight), Deal wise cut-loss limits, Stop loss limit, Profit/Loss in respect of Cross Currency
trading are properly monitored and exception reporting is regularly carried out.
Quantitative disclosures:
Minimum Regulatory Capital requirements for market risk as on 31.03.2009 is as under: (Rs in crores)
• Interest rate risk : 2,041.71
(Including Derivatives)
• Equity position risk : 1,615.29
• Foreign exchange risk : 109.93
(Including Gold)
Total : 3,766.93

231

C231 K231
 ¦ãããäÊã‡ãŠã ¡ãè †¹ãŠ - 9 ¦ãããäÊã‡ãŠã ¡ãè †¹ãŠ-10
¹ããäÀÞããÊã¶ã - •ããñãäŒã½ã ºãöãä‡ãâŠØã ºãÖãè ½ãò º¾ãã•ã ªÀ •ããñãäŒã½ã
31.03.2009 ‡ãŠãñ ãäÔ©ããä¦ã 1. Øãì¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
‡ãŠ. ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ‡ãŠã¾ãà ‡ãŠãè ÔãâÀÞã¶ãã †Ìãâ ÔãâØ㟶㠺¾ãã•ã ªÀ •ããñãäŒã½ã :
• ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ãäÌã¼ããØã ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‡ãñŠ Ôãã©ã-Ôãã©ã „Ôã‡ãŠãè º¾ãã•ã ªÀ •ããñãŒä ã½ã ‚ããâ¦ããäÀ‡ãŠ †Ìãâ ºããÛã ‡ãŠãÀ¥ããò Ôãñ ºãö‡ãŠ ‡ãŠãè ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã ¦ã©ãã „Ôã‡ãŠãè ‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò ‡ãñŠ
¹ãƦ¾ãñ‡ãŠ ºãöãä‡ãâŠØã ‚ã¶ãìÓãâØããè ½ãò ‡ãŠã¾ãÃÀ¦ã Öõ •ããñ ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ‚ããä¼ãÍããÔã¶ã ‡ãñŠ ½ãîʾ㠽ãò Öãñ¶ãñ ÌããÊãñ „¦ããÀ-Þã¤ãÌã Ôãñ Ôãâºãâã£ä ã¦ã Öõý ‚ããâ¦ããäÀ‡ãŠ ‡ãŠãÀ¥ããò ½ãò ºãö‡ãŠ ‡ãŠãè ‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò ‡ãŠãè ÔãâÀÞã¶ãã, Øãì¥ãÌ㦦ãã,
Ôã½ããä¶Ìã¦ã ¦ãâ¨ã ‡ãŠã Öãè ãäÖÔÔãã Öõ ‚ããõÀ ¾ãÖ ‚ã¹ã¶ãñ ‚ã¹ã¶ãñ ½ã쌾㠕ããñãäŒã½ã ‚ããä£ã‡ãŠãÀãè ¹ããäÀ¹ã‡ã‹Ìã¦ãã, º¾ãã•ã ªÀ ¦ã©ãã •ã½ãã ÀããäÍã¾ããò, „£ããÀ, ¨ãÉ¥ããò †Ìãâ ãä¶ãÌãñÍããò ‡ãŠãè ¹ãì¶ã½ãîÊà ¾ã¶ã ‚ãÌããä£ã Íãããä½ãÊã Ööý ºããÛã ‡ãŠãÀ¥ããò ‡ãñŠ
‡ãñŠ ãä¶ã¾ãâ¨ã¥ãã£ããè¶ã ‡ãŠã¾ãà ‡ãŠÀ¦ãã Öõý ‚ãâ¦ãØãæã Ôãã½ã㶾㠂ãããä©ãÇ㊠ãäÔ©ããä¦ã¾ããú ‚ãã¦ããè Ööý ¦ãìÊã¶ã-¹ã¨ã ‡ãŠãè ãäÔ©ããä¦ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ºãü¤¦ããè ‚ã©ãÌãã Ü㛦ããè º¾ãã•ã ªÀò ºãö‡ãŠ ‡ãŠãñ
Œã. ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ‡ãŠãñ ãä¶ã¾ãâãä¨ã¦ã ‚ããõÀ ‡ãŠ½ã ‡ãŠÀ¶ãñ Ôãâºãâ£ããè ¶ããèãä¦ã¾ããâ ¹ãƼãããäÌã¦ã ‡ãŠÀ¦ããè Ööý º¾ãã•ã ªÀ •ããñãŒä ã½ã ºãö‡ãŠ ‡ãñŠ ¦ãìÊã¶ã-¹ã¨ã ‡ãŠãè ‚ãããäԦ㠆Ìãâ ªñ¾ã¦ãã ªãñ¶ããò ¦ãÀ¹ãŠ ÀÖ¦ãã Öõý
• ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ¶ããèãä¦ã, ãä•ãÔã½ãò ¹ããäÀÞããÊã¶ã •ããñãäŒã½ããò ‡ãŠãè ̾ãÌããäÔ©ã¦ã ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ¦ãìÊã¶ã-¹ã¨ã •ããñãŒä ã½ããò ‡ãŠãè ‚ã¶ãÌãÀ¦ã ¹ãÖÞãã¶ã †Ìãâ ãäÌãÍÊãñÓã¥ã ¦ã©ãã ºãö‡ãŠ ‡ãŠãè ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã
†Ìãâ ‡ãŠã¾ãÃàã½ã ¹ãÖÞãã¶ã, ãä¶ã£ããÃÀ¥ã, ½ãã¹ã¶ã, ãä¶ãØãÀã¶ããè ‡ãŠ½ã ‡ãŠÀ¶ãñ †Ìãâ ãäÀ¹ããñ›Ã ‡ãŠÀ¶ãñ ¶ããèã¦ä ã ‡ãñŠ •ããäÀ† ƒ¶ã •ããñãŒä ã½ããò ‡ãñŠ ¹ãƼããÌããè ¹ãƺãâ£ã¶ã ‡ãñŠ ãäÊㆠ½ãã¹ãªâ¡ ãä¶ã£ããÃãÀä ¦ã ‡ãŠÀ¶ãñ Öñ¦ãì „¹ã¾ãì‡ã‹¦ã ¹ãÆ¥ãããäÊã¾ããú †Ìãâ ‡ãŠã¾ãÃãÌä ããä£ã¾ããú
Öñ¦ãì †‡ãŠ Ô¹ãÓ› †Ìãâ Ôã½ã¶ãì¹㠹ããäÀÞããÊã¶ã •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ¹ãÀñŒãã ‡ãŠãè ºãã¦ã ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠãä•ã½½ãñªãÀ Öõý ‚ã¦ã: ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã •ããñãŒä ã½ããò †Ìãâ ¹ãÆã¦ä ãÊãã¼ããò, ãä¶ã£ããè¾ã¶ã †Ìãâ ãäÌããä¶ã¾ããñ•ã¶ã,
‡ãŠÖãè ØãƒÃ Öõ, ºãö‡ãŠ ½ãò ÊããØãî Öõý ºãö‡ãŠ ‡ãñŠ ¨ãɥ㠆Ìãâ •ã½ããÀããäÍã ªÀãâñ ‡ãñŠ ãä¶ã£ããÃÀ¥ã ¦ã©ãã ºãö‡ãŠ ‡ãŠãè ãä¶ãÌãñÍã Ôãâºãâ£ããè Øããä¦ããäÌããä£ã¾ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ãä¶ãªñÍã ªñ¶ãñ ‚ãããäª
• ̾ãÌãÔãã¾ã ãä¶ãÀâ¦ãÀ¦ãã ¾ããñ•ã¶ãã Ôãâºãâ£ããè ¶ããèãä¦ã (ºããèÔããè¹ããè) ºãö‡ãŠ ½ãò ÊããØãî Öõý ‡ãŠãè ãä¶ãØãÀã¶ããè †Ìãâ ãä¶ã¾ãâ¨ã¥ã ‡ãŠÀ¦ããè Öõý ãä¶ããäªÓà › ¹ãƇãŠãÀ ‡ãñŠ •ããñãŒä ã½ããò („ªãÖÀ¥ã ‡ãñŠ ãäÊㆠº¾ãã•ã ªÀ, ÞãÊããä¶ããä£ã ‚ãããäª) ‡ãñŠ
• ‚ã¹ã¶ãñ ØãÆãև㊠‡ãŠãñ •ãããä¶ã† (‡ãñŠÌããƒÃÔããè) ½ãã¶ã‡ãŠ Ôãâºãâ£ããè ¶ããèãä¦ã ‚ããõÀ £ã¶ã Íããñ£ã¶ã ãäÊㆠãä¶ãÌãñÍã ‡ãñŠ ÔÌããè‡ãðŠ¦ã Ô¦ãÀ ãä¶ã£ããÃãÀä ¦ã ‡ãŠÀ ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ºãã•ããÀ •ããñãŒä ã½ã ‡ãŠã¾ãöããèã¦ä ã ¼ããè ãäÌã‡ãŠãäÔã¦ã ‡ãŠÀ¦ããè
ãä¶ãÌããÀ‡ãŠ (††½ã†Êã) „¹ãã¾ã ºãö‡ãŠ ½ãò ÊããØã Ööý Öõý ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ‡ãŠãè •ããñãŒä ã½ã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã ‡ãñŠ ãäÊㆠ¹ãÆ¥ããÊããè ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã ‡ãŠã ¹ã¾ãÃÌãñàã¥ã
• £ããñŒãã£ãü¡ãè •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ¶ããèãä¦ã ºãö‡ãŠ ½ãò ÊããØãî Öõý ‡ãŠÀ¦ããè Öõ ‚ããõÀ ‚ããÌããä£ã‡ãŠ ¦ããõÀ ¹ãÀ „Ôã‡ãŠãè ‡ãŠã¾ãùã®ãä¦ã ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ããè Öõ ¦ã©ãã ãäªÍãããä¶ãªóÍã ªñ¦ããè Öõý ¾ãÖ ºãã•ããÀ •ããñãŒä ã½ã
Øã. ‡ãŠã¾ãöããèãä¦ã¾ããú ‚ããõÀ ¹ãÆãä‰ãŠ¾ãã†ú : ‡ãñŠ ¹ãƺãâ£ã¶ã Öñ¦ãì ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ´ãÀã ãäÊㆠØㆠãäÌããä¼ã¸ã ãä¶ã¥ãþããò ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ããè Öõý
• ºãö‡ãŠ ´ãÀã †‡ãŠ "‚ã¶ãìªÍñ ããÌãÊããè" •ããÀãè ‡ãŠãè ØãƒÃ Öõ, ãä•ãÔã½ãò ºãöã‡ä ãâŠØã ‡ãñŠ ãäÌããä¼ã¸ã ¹ãƇãŠãÀ 1.1 º¾ãã•ã ªÀ ‚ãâ¦ãÀ ‡ãñŠ ãäÌãÍÊãñÓã¥ã, ‚ã¶ãì¹ã¦ãã, ‚ãÌããä£ã †Ìãâ •ããñãäŒã½ã ¹ãÀ ½ãîʾ㠇ãñŠ Ôãã©ã º¾ãã•ã ªÀ •ããñãäŒã½ã ãä¶ãÌãñÍã
‡ãñŠ Êãñ¶ãªñ¶ã ‡ãŠãè ¹ãÆã‰ä ㊾ãã ‡ãñŠ Ôãâºãâ£ã ½ãò ãäÌãÔ¦ãð¦û ã ãäªÍãããä¶ãªóÍã ã䪆 ØㆠÖöý ƒ¶ã ãäªÍãããä¶ãªóÍããò ‡ãŠãñ ½ãã¹ãã •ãã¦ãã Öõý ¼ããÀ¦ããè¾ã ãäÀ•ãÌãà ºãö‡ãŠ ¶ãñ ¾ãÖ ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ¾ãã Öõ ãä‡ãŠ º¾ãã•ã ªÀ ÔãâÌãñª¶ãÍããèÊã¦ãã (¹ãì¶ã½ãîÃʾã
½ãò ãä‡ãŠ† ØㆠÔãâÍããñ£ã¶ã ‚ããõÀ ‚ããÍããñ£ã¶ã Ôã¼ããè ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãñ ¹ããäÀ¹ã¨ã ¼ãñ•ã‡ãŠÀ ‡ãŠã¾ããÃã¶ä Ìã¦ã ãä¶ã£ããÃÀ¥ã ‚ãâ¦ãÀ) ãäÌãÌãÀ¥ã ãä•ãÔãñ ¹ãƦ¾ãñ‡ãŠ ½ãÖãè¶ãñ ‡ãñŠ ‚ãâãä¦ã½ã Íãì‰ãŠÌããÀ ‡ãŠãñ ¦ãõ¾ããÀ ãä‡ãŠ¾ãã •ãã¦ãã Öõ, ‡ãñŠ •ããäÀ† º¾ãã•ã
ãä‡ãŠ† ØㆠÖöý ãäªÍãããä¶ãªóÍã ‚ããõÀ ‚ã¶ãìªÍñ ã •ããùºã ‡ãŠã¡ãô, ƒÃ-Ôã‡ãìŠÃ ÊãÀãò, ¹ãÆãÍä ãàã¥ã ‡ãŠã¾ãÉ㊽ããò ªÀ •ããñãäŒã½ã ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãŠãè •ãã†ý ¦ãª¶ãìÔããÀ, ‚ãããäԦ㠪ñ¾ã¦ãã ¹ãƺãâ£ã¶ã Ôããä½ããä¦ã ½ãããäÔã‡ãŠ ‚ãã£ããÀ ¹ãÀ º¾ãã•ã
‚ãããäª ‡ãñŠ ½ã㣾ã½ã Ôãñ ¼ããè ¹ãÆÔãããäÀ¦ã ãä‡ãŠ† ØㆠÖöý ªÀ ÔãâÌãñª¶ãÍããèÊã¦ãã ‡ãŠãè Ôã½ããèàãã ‡ãŠÀ¦ããè Öõý
• ºãõ‡ãŠ ´ãÀã ãäÌ㦦ããè¾ã ‚ããä£ã‡ãŠãÀãò ‡ãñŠ ¹ãƦ¾ãã¾ããñ•ã¶ã ‡ãñŠ Ôãâºãâ£ã ½ãò Ôã¼ããè ‡ãŠã¾ããÃÊã¾ããò 1.2 ‚ãÌããä£ã ãäÌãÍÊãñÓã¥ã ‡ãñŠ •ããäÀ† ºãö‡ãŠ ‡ãñŠ ãä¶ãÌãñÍããò ‡ãñŠ ‚ãÞãÊã ‚ãã¾ã ÔãâãäÌã¼ããØã ‡ãŠãè º¾ãã•ã ªÀ •ããñãäŒã½ã ‡ãŠã ¹ãƺãâ£ã¶ã
‡ãŠãñ ‚ããÌã;ã‡ãŠ ‚ã¶ãìªñÍã •ããÀãè ãä‡ãŠ† ØㆠÖö ãä•ã¶ã½ãò ãäÌããä¼ã¸ã ¹ãƇãŠãÀ ‡ãñŠ ãäÌ㦦ããè¾ã ãä‡ãŠ¾ãã •ãã¦ãã Öõý ºãö‡ãŠ, „Ôã‡ãŠãè ‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò ‡ãñŠ ‚ãããä©ãÇ㊠½ãîʾ㠹ãÀ º¾ãã•ã ªÀãò ½ãò ¹ããäÀÌã¦ãö㠇ãñŠ
Êãñ¶ãªñ¶ã ‡ãñŠ ãäÊㆠãäÌããä¼ã¸ã Ô¦ãÀãò ‡ãñŠ ‚ããä£ã‡ãŠããäÀ¾ããò ‡ãñŠ ÔãâÔÌããè‡ãðŠãä¦ã ‚ããä£ã‡ãŠãÀãò ‚ãÔãÀ ‡ãŠã ½ãîʾããâ‡ãŠ¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠãä¦ã½ããÖãè ‚ãã£ããÀ ¹ãÀ ‚ãÌããä£ã ‚ãâ¦ãÀ ãäÌãÍÊãñÓã¥ã ¼ããè ‡ãŠÀ¦ãã Öõ ‚ããõÀ ƒÔã
‡ãŠã º¾ããñÀã ã䪾ãã Øã¾ãã Öõý ¹ãƇãŠãÀ ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ºãã•ããÀ ½ãîʾ㠇ãñŠ ¹ããäÀÌã¦ãö㠇ãŠã ¹ã¦ãã ÊãØãã¦ãã Öõý
• ¼ããÀ¦ããè¾ã Ô›ñ› ºãö‡ãŠ ‚ããõÀ ÔãÖ¾ããñØããè ºãö‡ãŠãò ‡ãŠãè Ôã¼ããè ÍããŒãã‚ããò ‡ãŠãñ ‡ãŠãñÀ ºãöãä‡ãâŠØã
1.3 ãäÌããä¼ã¸ã º¾ãã•ã •ããñãŒä ã½ããò ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãñŠ ãäÊㆠãä¶ã½¶ããäÊããäŒã¦ã ãäÌãÌãñ‡ãŠ¹ãî¥ãà Ôããè½ãã‚ããò ‡ãŠã ãä¶ã£ããÃÀ¥ã ãä‡ãŠ¾ãã Øã¾ãã Öõ :
¹ãÆ¥ããÊããè (Ôããèºããè†Ôã) ‡ãñŠ ‚ãâ¦ãØãæã Êãã¾ãã Øã¾ããý
º¾ãã•ã ªÀ ‚ããäÔ©ãÀ¦ãã ‡ãñŠ ‡ãŠãÀ¥ã ¹ããäÀÌã¦ãö㠂ããä£ã‡ãŠ¦ã½ã ¹ãƼããÌã (¹ãîú•ããè †Ìãâ
•ããñãäŒã½ã ‡ãŠã ¹ãƺãâ£ã ºãñÖ¦ãÀ ¤âØã Ôãñ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ããäÀÞããÊã¶ã •ããñãäŒã½ããò ‡ãñŠ ‡ãŠãÀ¥ã
Öãñ¶ãñ ÌããÊãñ ¶ãì‡ãŠÔãã¶ããò ‡ãŠã †‡ãŠ ̾ãã¹ã‡ãŠ ‚ããâ‡ãŠü¡ã ‚ãã£ããÀ ¦ãõ¾ããÀ ‡ãŠÀ¶ãñ ‡ãŠãè ¹ãÆãä‰ãŠ¾ãã ‚ããÀãäàããä¦ã¾ããò ‡ãñŠ ¹ãÆãä¦ãÍã¦ã ‡ãñŠ ¹㠽ãò)
Íãì ‡ãŠãè ØãƒÃ Öõý ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã ½ãò ¹ããäÀÌã¦ãöã (‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò ªãñ¶ããò
• Ô›ã¹ãŠ ‡ãŠãñ ¹ãÆãäÍãàã¥ã - ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ‡ãŠãè •ãã¶ã‡ãŠãÀãè ºãö‡ãŠ ‡ãñŠ ÍããèÓãà ¹ãÆãäÍãàã¥ã ‡ãñŠ ãäÊㆠº¾ãã•ã ªÀãò ½ãò 1% ¹ããäÀÌã¦ãö㠇ãñŠ Ôãã©ã) 5%
ÔãâÔ©ãã¶ããò ‚ããõÀ —ãã¶ãã•ãö㠇ãòŠ³ãò ½ãò ãäÌããä¼ã¶¶ã Ñãñãä¥ã¾ããò ‡ãñŠ Ô›ã¹ãŠ ‡ãñŠ ãäÊㆠÔãâÞãããäÊã¦ã ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ºãã•ããÀ ½ãîʾ㠽ãò ¹ããäÀÌã¦ãöã (‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò
¹ãÆãäÍãàã¥ã ‡ãŠã¾ãÉ㊽ããò ½ãò •ããñãäŒã½ã ¹ãƺãâ£ã¶ã ½ãã¡¿ãîÊããò ‡ãñŠ ãäÖÔÔãñ ‡ãñŠ ¹㠽ãò Íãããä½ãÊã ‡ãñŠ ãäÊㆠº¾ãã•ã ªÀãò ½ãò 1% ¹ããäÀÌã¦ãö㠇ãñŠ Ôãã©ã) 20%
‡ãŠãè ØãƒÃ Öõý
1.4 ºãã•ããÀ •ããñãäŒã½ã ‡ãñŠ ‡ãŠãÀ¥ã Ôã½ãØãÆ ¹ãÆãä¦ã‡ãîŠÊã ‚ãÔãÀ ‡ãŠãñ ¹ãîú•ããè †Ìãâ ‚ããÀãäàããä¦ã¾ããò ‡ãŠãè 20% ‡ãŠãè Ôããè½ãã ¦ã‡ãŠ Ôããèãä½ã¦ã
• ºããè½ãã - ºãö‡ãŠ ´ãÀã ¼ããÌããè ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã ‡ãñŠ ãäÊㆠºããè½ãã ‡ãŠÀã¾ãã Øã¾ãã Öõý
‡ãŠÀ¶ãã ãäÌãÌãñ‡ãŠ¹ãî¥ãà Ôããè½ãã ‡ãŠã „ªáªñ;ã Öõ, •ãºããä‡ãŠ ÍãñÓã ¹ãîú•ããè †Ìãâ ‚ããÀãäàããä¦ã¾ããú ¨ãɥ㠆Ìãâ ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã
• ‚ããâ¦ããäÀ‡ãŠ ÊãñŒãã¹ãÀãèàã‡ãŠ ãä¶ã¾ãâ¨ã¥ã ¹ãÆ¥ãããäÊã¾ããò ‡ãŠãè ¹ã¾ããù¦ã¦ãã ‡ãŠãè •ããâÞã †Ìãâ ½ãîʾããâ‡ãŠ¶ã Ôãñ ÔãìÀàãã ¹ãƪã¶ã ‡ãŠÀ¦ããè Öõý
¦ã©ãã ¹ãƼããÌã‡ãŠããäÀ¦ãã ‚ããõÀ ãäÌããäÍãÓ› ãä¶ã¾ãâ¨ã¥ã ‡ãŠã¾ãÃãäÌããä£ã¾ããò ‡ãŠãè ãä‰ãŠ¾ããÍããèÊã¦ãã ‡ãñŠ ãäÊã†
•ãºããºãªãÀ Ööý Ìãñ Ô©ãããä¹ã¦ã ¹ãÆ¥ãããäÊã¾ããò ‡ãŠãè Ôã½ããèàãã ¼ããè ‡ãŠÀ¦ãñ Öö ãä•ãÔãÔãñ ãäÌããä£ã‡ãŠ 1.5 ‚ãÌããä£ã ‚ãâ¦ãÀ : „¹ãÊ㺣㠺ãã•ããÀ º¾ãã•ã ªÀ ‡ãñŠ ãä‡ãŠÔããè ¹ããäÀÌã¦ãö㠇ãñŠ ÔãÖãÀñ ‚ãããäÔ¦ã¾ããò †Ìãâ ªñ¾ã¦ãã‚ããò ‡ãñŠ ½ãîʾã
†Ìãâ ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¹ãñàãã‚ããò, ‚ããÞããÀ ÔãâãäÖ¦ãã ‚ããõÀ ¶ããèãä¦ã¾ããò †Ìãâ ‡ãŠã¾ãÃãäÌããä£ã¾ããò ‡ãŠã ‡ãñŠ ¹ããäÀÌã¦ãö㠇ãŠãè ¹ãÖÞãã¶ã ‡ãŠÀ ‚ãÌããä£ã ‚ãâ¦ãÀ ãäÌãÍÊãñÓã¥ã ´ãÀã ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ºãã•ããÀ ½ãîʾ㠹ãÀ º¾ãã•ã ªÀ ¹ããäÀÌã¦ãöã
‡ãŠã¾ããöÌã¾ã¶ã ‡ãŠã ‚ã¶ãì¹ããÊã¶ã Ôãìãä¶ããäÍÞã¦ã Öãñ Ôã‡ãñŠý ‡ãñŠ ¹ãƼããÌã ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãŠãè •ãã¦ããè Öõý ‚ãããäԦ㠆Ìãâ ªñ¾ã¦ãã‚ããò ªãñ¶ããò ‡ãñŠ ãäÊㆠº¾ãã•ã ªÀãò ½ãò 1 ¹ãÆãä¦ãÍã¦ã Ôã½ãã¶ããâ¦ãÀ
• •ããñãäŒã½ã ‚ããõÀ ãä¶ã¾ãâ¨ã¥ã ÔÌã ½ãîʾããâ‡ãŠ¶ã (‚ããÀÔããè†Ôã†) ¹ãÆãä‰ãŠ¾ãã ‡ãŠãè ªñÍããè ÍããŒãã‚ããò ¹ããäÀÌã¦ãö㠇ãñŠ Ôãã©ã ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ½ãîʾã (‚ããÀãäàããä¦ã¾ããú ÔããäÖ¦ã) ‡ãñŠ ¹ããäÀÌã¦ãö㠇ãŠã ‚ãã‡ãŠÊã¶ã ãä‡ãŠ¾ãã •ãã¶ãã ÞãããäÖ†ý
‚ããõÀ ‡ãñŠ¶³ãè‡ãðŠ¦ã ¹ãÆãä‰ãŠ¾ãã ‡ãñŠ¶³ãò ½ãò ÍãìÁ‚ãã¦ã ‡ãŠãè •ãã ÀÖãè Öõ, ¦ãããä‡ãŠ ºãö‡ãŠ ½ãò ¹ããäÀÞããÊã¶ã º¾ãã•ã ªÀãò ½ãò 1 ¹ãÆãä¦ãÍã¦ã ¹ããäÀÌã¦ãö㠇ãñŠ Ôãã©ã „Ôã ‚ããä£ã‡ãŠ¦ã½ã Ôããè½ãã ‡ãŠãñ ¹ãîú•ããè †Ìãâ ‚ããÀãäàããä¦ã¾ããò ‡ãñŠ 20% ¦ã‡ãŠ
•ããñãäŒã½ããò ‡ãŠãè ¹ãÖÞãã¶ã, ‚ãã‡ãŠÊã¶ã, ãä¶ã¾ãâ¨ã¥ã ‚ããõÀ ¶¾ãî¶ããè‡ãŠÀ¥ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠý Ôããèãä½ã¦ã ‡ãŠÀ ã䪾ãã •ãã¶ãã ÞãããäÖ†, •ãÖãú ¦ã‡ãŠ ƒÃãä‡ã‹Ìã›ãè ‡ãŠã ½ãîʾã (‚ããÀãäàããä¦ã¾ããò ÔããäÖ¦ã) ºãããä£ã¦ã Öãñ¦ãã Öãñý
• ½ãÖ¦Ìã¹ãî¥ãà ¹ããäÀÞããÊã¶ã •ããñãäŒã½ããò ‡ãŠã ãäÌãÔ¦ãð¦ã ãä¶ã£ããÃÀ¥ã ¹ãŠãñ‡ãŠÔã ØãÆì¹ã ´ãÀã ãä‡ãŠ¾ãã 2. ¹ããäÀ½ãã¥ã㦽ã‡ãŠ ¹ãƇ㊛ãè‡ãŠÀ¥ã
•ãã¦ãã Öõý ƒÔã ¹ãŠãñ‡ãŠÔã ØãÆì¹ã ½ãò ãä¶ã¾ãâ¨ã‡ãŠ ‡ãŠã¾ããÃÊã¾ããò ‡ãñŠ ÌããäÀÓŸ ‚ããä£ã‡ãŠãÀãè Íãããä½ãÊã •ããñãäŒã½ã ¹ãÀ ‚ã•ãöã
Öãñ¦ãñ Ööý ¾ãñ ØãÆì¹ã Ôã½¹ãî¥ãà ºãö‡ãŠ ½ãò ‡ãŠã¾ããöÌã¾ã¶ã ‡ãŠÀ¶ãñ Öñ¦ãì ãä¶ã¾ãâ¨ã¥ã †Ìãâ (•ããñãäŒã½ã) (Á¹ã¾ãñ ‡ãŠÀãñü¡ ½ãò)
‡ãŠ½ã ‡ãŠÀ¶ãñ ‡ãñŠ „¹ãã¾ã ¼ããè Ôãì¢ãã¦ãñ Ööý ‚ãããäÔ¦ã¾ããú ªñ¾ã¦ãã†ú ãä¶ãÌãÊã º¾ãã•ã
Üã. •ããñãäŒã½ã ãäÀ¹ããñ›Ã ‡ãŠÀ¶ãñ †Ìãâ ½ãã¹ã¶ã ¹ãÆ¥ãããäÊã¾ããò ‡ãŠã ‡ãŠã¾ãÃàãñ¨ã †Ìãâ ¹ãƇãðŠãä¦ã- „£ããÀ ªÀ / ãä¶ãÌãñÍã ¹ãÀ ‚ãã¾ã ½ãò ÔããÌããä£ã •ã½ãã / „£ããÀ ÊããØã¦ã ½ãò ‚ãã¾ã ¹ãÀ ‚ãÔãÀ
• £ããñŒãã£ãü¡ãè ¹ãÀ ãäÀ¹ããñ›ãô ‡ãñŠ ÍããèÜãÆ ¹ãÆñÓã¥ã ‡ãŠãè †‡ãŠ ¹ãÆ¥ããÊããè ºãö‡ãŠ ½ãò ÊããØãî Öõý ãä¶ãÌããÀ‡ãŠ 100 ‚ãã£ããÀ ‚ãâ‡ãŠãò ‡ãŠãè Ìãðãä® 100 ‚ãã£ããÀ ‚ãâ‡ãŠãò ‡ãŠãè Ìãðãä® 2516.56
Ôã¦ã‡ãʦãã ‡ãŠãè †‡ãŠ ̾ãã¹ã‡ãŠ ¹ãÆ¥ããÊããè Ôã½ãîÖ ‡ãŠãè Ôã¼ããè ̾ãÌãÔãã¾ã ƒ‡ãŠãƒ¾ããò ½ãò Ô©ãããä¹ã¦ã ƒÃãä‡ã‹Ìã›ãè ‡ãŠã ºãã•ããÀ ½ãîʾã
‡ãŠãè ØãƒÃ Öõý ã䪶ããâ‡ãŠ 31.03.2009 ‡ãñŠ ãäÊã†, ¹ããäÀÞããÊã¶ã •ããñãäŒã½ã Öñ¦ãì ãä¹ãœÊãñ
3 ÌãÓããô ‡ãŠãè ‚ããõÔã¦ã Ôã‡ãŠÊã ‚ãã¾ã ‡ãñŠ 15% ‡ãñŠ ¹ãîâ•ããè ¹ãƼããÀ ‡ãñŠ Ôãã©ã ½ãîÊã Ôãâ‡ãñŠ¦ã‡ãŠ ½ããÞãà 2009 ¦ã‡ãŠ ÀããäÍã ‡ãŠÀãñü¡ Á¹ã¾ãñ ½ãò
ÒãäÓ›‡ãŠãñ¥ã ‚ã¹ã¶ãã¾ãã Øã¾ãã Öõý ƒÃãä‡ã‹Ìã›ãè ‡ãñŠ ºãã•ããÀ ½ãîʾ㠹ãÀ ¹ãƼããÌã 1137.73

232

C232 K232
 TABLE DF–9 : OPERATIONAL RISK
Status as on 31.03.2009
A. The structure and organization of Operational Risk
Management function
The Operational Risk Management Department is
functioning in SBI as well as each of the Associate Banks
as part of the Integrated Risk Governance Structure under
the control of respective Chief Risk Officer.
B. Policies for control and mitigation of Operational Risk
Operational Risk Management Policy, seeking to establish
explicit and consistent Operational Risk Management
Framework for systematic and proactive identification,
assessment, measurement, monitoring, mitigation and
reporting of the Operational Risks is in place.
Policy on Business Continuity Planning (BCP) is in place.
Policy on Know Your Customer (KYC) Standards and
Anti Money Laundering (AML) Measures is in place.
Policy on Fraud Risk Management is in place.
C. Strategies and Processes -
The following measures are being used by the Bank to
control and mitigate Operational Risks:·
Bank has issued "Book of Instructions", which contain
detailed procedural guidelines for processing various
banking transactions. Amendments and modifications
to these guidelines are implemented through circulars
sent to all the offices. Guidelines and instructions are
also propagated through Job Cards, E-Circulars, Training
Programs, etc.·
Bank has issued necessary instructions to all offices
regarding Delegation of Financial powers, which details
sanctioning powers of various levels of Officials for
different types of financial transactions.
All branches of State Bank of India as well as Associate
Banks have been brought under Core Banking System
(CBS).
The process of building a comprehensive database of
losses due to Operational Risks has been initiated, to
facilitate better risk management.
Training of staff - Inputs on Operational Risk are included
as a part of Risk Management modules in the training
programs conducted for various categories of staff at Bank's
Apex Training Institutes and Learning Centers.
Insurance - Bank has obtained Insurance cover for most
of the potential operational risks.
Internal Auditors are responsible for the examination and
evaluation of the adequacy and effectiveness of the
control systems and the functioning of specific control
procedures. They also conduct review of the systems
established to ensure compliance with legal and
regulatory requirements, codes of conduct and the
implementation of policies and procedures.
Risk and Control Self Assessment (RCSA) process is
being rolled out in domestic branches and Centralised
Processing Cells (CPCs) for identification, assessment,
control and mitigation of Operational Risks in the Bank.
Detailed assessment of significant Operational Risks is
conducted by Focus Groups consisting of Senior Officials
at Controlling Offices. These Groups also suggest control
and mitigation measures for implementation across the
Bank.
D. The scope and nature of Risk Reporting and Measurement
Systems -
A system of prompt submission of reports on Frauds is
in place in the Bank. A comprehensive system of
Preventive Vigilance has been established in all the
business units of the Group.· For 31.03.2009, Basic
Indicator Approach with capital charge of 15% of average
gross income for previous 3 years is adopted for
Operational Risk.
233
C233 K233
TABLE DF-10
INTEREST RATE RISK IN THE BANKING BOOK (IRRBB)
1. Qualitative Disclosures
INTEREST RATE RISK:
Interest rate risk refers to fluctuations in Bank's Net Interest Income
and the value of its assets and liabilities arising from internal and
external factors. Internal factors include the composition of the Bank's
assets and liabilities, quality, maturity, interest rate and re-pricing
period of deposits, borrowings, loans and investments. External factors
cover general economic conditions. Rising or falling interest rates
impact the Bank depending on Balance Sheet positioning. Interest rate
risk is prevalent on both the asset as well as the liability sides of the
Bank's Balance Sheet.
The Asset - Liability Management Committee (ALCO) which is
responsible for evolving appropriate systems and procedures for
ongoing identification and analysis of Balance Sheet risks and laying
down parameters for efficient management of these risks through Asset
Liability Management Policy of the Bank. ALCO, therefore, periodically
monitors and controls the risks and returns, funding and deployment,
setting Bank's lending and deposit rates, and directing the investment
activities of the Bank. ALCO also develops the market risk strategy by
clearly articulating the acceptable levels of exposure to specific risk
types (i.e. interest rate, liquidity etc). The Risk Management Committee
of the Board of Directors (RMCB) oversees the implementation of the
system for ALM and review its functioning periodically and provide
direction. It reviews various decisions taken by Asset - Liability
Management Committee (ALCO) for managing market risk.
1.1 Interest rate risk exposure is measured with Interest Rate Gap
analysis, Simulation, Duration and Value-at-Risk (VaR). RBI has
stipulated monitoring of interest rate risk at monthly intervals
through a Statement of Interest Rate Sensitivity (Repricing Gaps)
to be prepared as the last Reporting Friday of each month.
Accordingly, ALCO reviews Interest Rate Sensitivity statement
on monthly basis.
1.2 Interest rate risk in the Fixed Income portfolio of Bank's
investments is managed through Duration analysis. Bank also
carries out Duration Gap analysis (on quarterly basis) to estimate
the impact of change in interest rates on economic value of bank's
assets and liabilities and thus arrive at changes in Market Value
of Equity (MVE).
1.3 The following prudential limits have been fixed for monitoring
of various interest risks:
Changes on account of Maximum Impact
Interest rate volatility (as % of capital and reserve)
Changes in Net Interest Income
(with 1% change in interest rates
for both assets and liabilities) 5%
Change in Market value of Equity
(with 1% change in interest rates
for assets and liabilities) 20%
1.4 The prudential limit aims to restrict the overall adverse impact
on account of market risk to the extent of 20% of capital and
reserves, while part of the remaining capital and reserves serves
as cushion for credit and operational risk.
1.5 Duration Gap: The impact of interest rate changes on the Market
Value of Equity is monitored through Duration Gap analysis by
recognising the changes in the value of assets and liabilities by a
given change in the market interest rate. The change in value of
equity (including reserves) with 1% parallel shift in interest rates
for both assets and liabilities needs to be estimated. Maximum
limit up to which the value of the equity (including reserves) will
get affected with 1% change in interest rates to be restricted to
20% of capital and reserves.
2. Quantitative Disclosures
Earnings at Risk (EaR)
(Rs.in crores)
Assets Liabilities Impact on NII
Lending rate / yield Term Deposit / 2516.56
on investment Borrowing Cost
increase by 100 bps. increases by 100 bps.
Market Value of Equity (MVE)
As at March 2009 Amount in Rs. crores
Impact on Market Value of Equity (MVE) 1137.73
 ¶ããñ›áÔã
NOTES

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} www.sbi.co.in
www.statebankofindia.com
Issued by the State Bank of India,
Shares and Bonds Department,
Corporate Centre, Mumbai - 400021.
Printed at Infomedia 18 Ltd.

234

C234 K234
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C235 K235
 STATE BANK OF INDIA
PROXY FORM
Folio No.:
DP/Client-ID No.
I/We

resident of being(a) shareholder(s) of the State Bank of India holding

shares
Nos. on the Register of shareholders at the Central Office of the
Bank do hereby appoint resident of
(or failing him/her resident of
) as my/our proxy to vote
for me/us and on my/our behalf at a meeting of the shareholders of the State Bank of India to be
held at on the
day of and
at any adjournment thereof.
Dated this day of

15 paise
Revenue
Stamp

No instrument of proxy shall be valid unless in the case of an individual shareholder it is signed by him or
by his attorney duly authorised in writing, or in the case of joint holders, it is signed by the shareholders first
named in the Register or his attorney duly authorised in writing, or in the case of a Company it is executed
under its common seal, if any, or signed by its attorney duly authorised in writing.
Provided that an instrument of proxy shall be sufficiently signed by any shareholder, who is, for any
reason, unable to write his name, if his mark is affixed thereto and attested by a Judge, Magistrate, Justice of
the Peace, Registrar or Sub-Registrar of Assurances, or other Government Gazetted Officer or an Officer of
the State Bank of India.
A proxy, unless appointed by a Company, should be a Director of the Central Board/Member of the Local
Board/Shareholder of the State Bank of India, other than an officer or employee of the State Bank of India.
No Proxy shall be valid unless it is duly stamped and unless it, together with the power of attorney or
other authority (if any) under which it is signed, or a copy of that power of attorney or authority certified by
a Notary Public or a Magistrate is deposited with the Central Office or other office designated from time to
time by the Chairman or Managing Director in this behalf, not less than 7 clear days before the date fixed for
the meeting. (In case a power of attorney is already registered with the Bank, the Folio No. and Registration
No. of the power of attorney be also mentioned).
The following are authorised to accept the proxy form, power of attorney or other authority:
(a) Shares & Bonds Dept., State Bank of India, Central Office, 8th Floor, State Bank Bhavan, Madame Cama
Road, Mumbai-400 021.
(b) M/s Datamatics Financial Services Limited, Unit: State Bank of India, Plot A-16 & 17, MIDC, Part B,
Cross Lane, Marol, Andheri (East), Mumbai - 400 093.

Shareholders are advised that in keeping with the Government of India guidelines,
the Bank has discontinued the practice of distribution of gifts to shareholders during
the Annual General Meetings from 1995.

C236 K236
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BYp `v $
ii) Y<Q ]uYZRpZ@‚ WpZOrY ∫J>uJ> Vvõ@‚ @u‚ d[p\p q@‚_r dÆY Vvõ@‚ @‚p ApOpRpZr `v, Opu f_@u‚ `∫OpbZpuõ @‚p dSsT}XpNS f_ Vvõ@‚ @u‚
]pAp T}VzR@‚ ]pAp @‚√ Xpu`Z/∫J>p≥T @u‚ _pP dSsT}Xp<NO @‚Z _@‚Ou `võ $
iii) \v@‚˘∂T@‚ ’‚T Xuõ, ]uYZRpZ@‚ dTSu `∫OpbZ SpuJ>Zr Yp T}PX kuNr @u‚ X<G∫J~>uJ> ÃpZp dSsT}Xp<NO @‚Z\phz $
iv) ]uYZRpZ@‚puõ @u‚ `∫OpbZ _Wp∫P[ TZ WpZOrY ∫J>uJ> Vvõ@‚ @u‚ <S<Q{πJ> d<R@‚pqZYpuõ _u Wr dSsT}Xp<NO @‚Z\ph Gp _@‚Ou `võ $ e_@u‚
<[h fÆ`uõ dTSr T`EpS @‚p @‚pue{ _zOpu^T}Q T}XpN Gv_u - Tp_TpuJ>{, U‚puJ>pu \p[p L~>pe<\õB [pe_uõ_, XOQpOp T`EpS @‚pL>{ Yp e_r
T}@‚pZ @‚p dÆY @‚pue{ ∫\r@‚pY{ T}XpN T}∫OsO @‚ZSp `puBp $

C237 K237
 STATE BANK OF INDIA
ANNUAL GENERAL MEETING
OF SHAREHOLDERS
ATTENDANCE SLIP
Date : 2 0 0 9
Folio No:
DP/Client-ID No.:

Full Name of the Shareholder :

(as appearing on share certificate/recorded with DP)

Registered address :

PIN

Total number of Shares held :

Share Certificate Nos. From To

Whether having voting rights in terms of Regulation 31 (1) and (2): Yes / No
(one vote for every 50 shares of the face value of Rs. 10 each)
If yes number of votes to which he/she is entitled :
In person as a shareholder
As a proxy
As a duly authorised representative
TOTAL

Signature Attested (Signature of Shareholder)

Name:
Designation:
Seal/Stamp:
Note:
i) The Branch Managers/Managers of Divisions of the branches of the State Bank of India (whose
signatures are circulated) are authorised to attest the signature of the shareholders, on
production of suitable evidence of his/her shareholding to the branch where the shareholders
may be maintaining account.
ii) If the shareholder maintains account with a bank other than State Bank of India, the signature
may be attested by the Branch Manager of that Bank, affixing the branch seal/stamp to evidence
the attestation.
iii) Alternatively, the shareholder may have his/her signature attested by a Notary or a first class
Magistrate.
iv) The signature of shareholders can also be got attested at the venue of the Meeting by the
designated officers of the State Bank of India, on production of satisfactory evidence of his/
her identification such as Passport/Driving Licence with photograph, Voters Identity Card or
such other similar acceptable evidence.

C238 K238
 eo`aYmaH$(H$m|) ¤mam VwaßV ‹`mZ XoZo hoVw
_ogg© S>mQ>m_°{Q>äg \$mBZ|{e`b g{d©goO {b{_Q>oS>,
`y{ZQ> : ^maVr` ÒQ>oQ> ~¢H$
flbm∞Q> E - 16 Edß 17, E_.AmB.S>r.gr.,
nmQ>© ~r. H´$m∞g boZ, _amob, AßYoar (nyd©), _wß~B© - 400 093.
Hó${S>Q> päb`[a®J Ï`dÒWm (B© gr Eg) AWdm A›` BboäQ¥>m∞{ZH$ _m‹`_ go `Wm pÒW{V ^wJVmZ ‡mflV H$aZo hoVw {ZdoeH$ ¤mam {dH$În hoVw AmdoXZ

1. {ZdoeH$ H$m Zm_ (i)

(ii)

(iii)

2. dV©_mZ nVm :

{nZ
3. \$mo{b`mo Zß. :
(H$mJO dmbo eo`am| Ho$ _m_bo _|)
4. ~¢H$ ImVo H$m {ddaU
H$. ~¢H$ H$m Zm_ :

I. emIm H$m Zm_ :

(nyU© nVm)


{nZ
J. ~¢H$ ¤mam Omar E_AmB©grAma M°H$ na {XImB©
XoZodmbm ~¢H$ Edß emIm H$m 9 AßH$m| dmbm H$moS> ZÂ~a :
(H•$n`m EH$ H$moam {ZaÒV M°H$ `m CgH$s EH$ \$moQ>mo‡{V gßbΩZ H$a|)
K. ImVo H$m ‡H$ma :
[~MV ~¢H$ ImVm (H$moS> 10) `m Mmby ImVm (H$moS> 11) `m H°$e H´o${S>Q> (H$moS> 13)]
ãS>. ImVm gߪ`m
(11 AßH$r` O°go M°H$ ~wH$ _| Xr JB© h°) :
5. S>r_°Q> (Demat) eo`am| Ho$ {bE
S>rnr AmBS>r (DP ID) :

J´mhH$ AmBS>r (Client ID) :

6. bmJy hmoZo H$s {V{W :

_¢ EVX¤mam KmofUm H$aVm h±̌ {H$ D$na {X`m J`m {ddaU ghr Edß nyU© h°ü& AnyU© `m JbV OmZH$mar Ho$ H$maU `{X boZXoZ _| {dbß~ hmo `m ImVo _ßo bm^mße
O_m Z hmo, Vmo _¢ ^maVr` ÒQ>oQ> ~¢H$ H$mo Odm~Xma Zht R>hamDß$Jmü&

ÒWmZ : (i)

{XZmßH$ : (ii)

(iii)
({ZdoeH$ (H$m|) Ho$ hÒVmja)

C239 K239
 FOR URGENT ATTENTION OF SHAREHOLDER(S)
M/s Datamatics Financial Services Limited,
Unit : State Bank of India,
Plot A-16 & 17, MIDC, Part B, Cross Lane, Marol,
Andheri (East), Mumbai - 400 093.

INVESTOR’S OPTION TO RECEIVE PAYMENT THROUGH CREDIT CLEARING MECHANISM

(ECS) / ELECTRONICALLY AS APPLICABLE

1. Investor’s Name (i)

(ii)

(iii)

2. Present address :

PIN

3. Folio No. :
(in case of physical shares)
4. Particulars of Bank Account
a. Bank Name :

b. Branch Name :
(full address)
PIN

c. 9-Digit Code Number :

of the Bank and Branch
appearing on the MICR cheque issued by the Bank
(Please attach a blank “cancelled” cheque or a photocopy thereof)

d. Account Type :
[S.B. Account (code 10) or Current Account (code 11) or Cash credit) (code 13)]
f. Account Number (11 digits as
appearing on the cheque book) :
5. For Demat Shares
DP ID :

Client ID :

6. Date of Effect :
I, hereby, declare that the particulars given above are correct and complete. If the transaction is delayed or not
effected at all for reasons of incomplete or incorrect information, I would not hold State Bank of India, responsible.

Place : (i)

Date : (ii)

(iii)
(Signature of the Investor(s))

C240 K240