Bob Ar 2014 PDF

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Annual Report 2013-14
Fast Forward to Finish Line
www.bankofbaroda.com
Left to Right - Shri Sudarshan Sen, Shri Vinil Kumar Saxena, Shri Rajib Sekhar Sahoo, Shri P. Srinivas Executive Director,
Shri B. B. Joshi Executive Director, Shri S. S. Mundra Chairman & Managing Director, Dr. K. P. Krishnan, Shri Ranjan Dhawan Executive Director,
Shri Maulin A. Vaishnav, Shri Surendra S. Bhandari
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eer yeer.yeer.peesMeer keee&heeueke efveosMeke, eer Sme.Sme.cetbo[e DeOe#e SJeb eyebOe efveosMeke, [e@.kes.heer. ke=<Ceve, eer jbpeve OeJeve keee&heeueke efveosMeke,
eer ceewefueve S. Jew<CeJe, eer megjsv Sme.YeC[ejer
efveosMeke ceb[ue / Board of Directors
Jeeef<e&ke efjhees& Annual Report
cegKe ceneeyebOeke
2013-14
Chief General Managers

V. H. THATTE
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Deej. Sme. mesefleee
Sme. keueeCejeceve
kes. Sve. ceeveJeer
R. S. SETIA
S. KALYANARAMAN
K. N. MANVI
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General Managers
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Sme. kes. Mee@
mebpee Deiekeeue
Deej. kes. ceefueke
Sme. %eevekesue
Sce. Sme. Heesiee
Jeer. Sve. OeJeve
Jeer. veejbie
Sce. Jeer. osMeheeb[s
Deej. Sue. iegerkej
MOHAR SINGH
R. P. MARATHE
RAJESH MAHAJAN
J. D. PARMAR
P. D. SINGH
R. S. ABHYANKAR
D. K. GARG
V. K. GUPTA
K. VENKATA RAMA MOORTHY
K. P. KHARAT
U.K. BIJAPUR
NIRMESH KUMAR
L. M. ASTHANA
U. C. SINGHVI
D. P. TRIVEDI
E. H. RAHIMAN
K. SRINIVASA RAO
R. K. SHARMA
N. N. BHALERAO
D. D. SINGLA
R. K. ARORA
S. S. GHAG
B. R. DESAI
R. SOWRIRAJAN
Ms. VINDHYA R. VITTAL
A. K. GARG
SREEDHARAN V.
Ms. USHA KHAMKAR
PRABHAT AGARWAL
V. K. BHATIA
VIPAN MAHAJAN
S. K. SHAW
SANJAYA AGARWAL
R. K. MALIK
S GNANAVEL
M. S. PHOGAT
V. N. DHAWAN
V. NARANG
M. V. DESHPANDE
R. L. GUTTIKAR
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[e@. (eerceleer) hee efvelmegjs - cegKe DeLe&Meem$eer
GUPTA RAJU - CHIEF VIGILANCE OFFICER

DR.(SMT.) RUPA NITSURE - CHIEF ECONOMIST
2013-14
uesKee hejer#eke / Auditors

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meveoer uesKeekeej
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For Laxminiwas Neeth & Co.

Chartered Accountants
For Ray & Ray

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ke=les kesSSmepeer SC[ keb.

meveoer uesKeekeej
ke=les Keb[sueJeeue pewve SC[ keb.

meveoer uesKeekeej
For N. B. S. & Co.

For KASG & Co.

FOR KHANDELWAL JAIN & CO

ke=les Sme kes. efceeue SC[ keb.

meveoer uesKeekeej
For S. K. Mittal & Co.
Baroda House, Mandvi, Vadodara 390 006.
ye[ewoe keeHeexjs mesvj

meer-26, peer-yuee@ke, yeeve-keguee& kee@cHeueskeme, yeeve (Het.),
cegbyeF& 400 051.
C-26, G-Block, Bandra-Kurla Complex, Bandra (E),

Mumbai 400 051.
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le=leere leue, ye[ewoe keeheexjs meWj, meer-26, peer-yuee@ke,
yeebe-keguee& kee@chueskeme, yeebe (het), cegbyeF& 400 051.
3rd Floor, Baroda Corporate Centre, C-26, G-Block,

Bandra-Kurla Complex, Bandra (E), Mumbai 400 051.
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nwojeyeeo 500 081.
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Head Office
HeOeeve keeee&uee
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Baroda Corporate Centre
Investor Services Department
Registrars & Transfer Agent

M/s. Karvy Computershare Pvt. Ltd. Plot No. 17-24,
Vithalrao Nagar, Nr Image Hospital, Madhapur,
Hyderabad 500 081.
Debenture Trustees of our Bank
IDBI Trusteeship Services Ltd.
Asian Building, Ground Floor,
17,R Kamani Marg, Ballard Estate
Mumbai - 400 001
2013-14
efJe<ee meteer / Contents

he=
Page
DeOe#eere JekeleJe
02
Chairman's Statement
veesefme
15
Notice 15
efveosMekeeW keer efjhees&
19
Directors' Report
09
63
keeheexjs ieJeveXme efjhees&
107
Report on Corporate Governance
107
JeJemeee oeefelJe efjhees&
145
Business Responsibility Report
145
nefjle Henue - Mesej OeejkeeW mes DeHeerue
174
Green Initiative-Appeal to Shareholders
174
yeemesue II efheuej 3 ekeerkejCe
176
Basel II Pillar 3 disclosures
176
cenlJehetCe& efJeeere meteke
207
Key Financial Indicators
207
HeefjYee<eeSb
209
Definitions 209
legueve-he$e
210
Balance Sheet
210
ueeYe-neefve uesKee
211
Profit & Loss Account
211
vekeoer-eJeen efJeJejCeer
259
Statement of Cash Flow
259
uesKee hejer#ekeeW keer efjhees&
261
Auditors' Report
261
mecesefkele efJeeere efJeJejefCeeeb
264
Consolidated Financial Statements
264
meer F& Dees / meer SHe Dees eceeCeerkejCe
298
CEO / CFO Certification
299
ee@kemeer Heece& / GheefmLeefle heeea / F&meerSme
Proxy Form / Attendance Slip / ECS
2013-14
DeOe#eere JekeleJe
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kes oewjeve yeQke Dee@]He ye[ewoe ves yesnlejerve keee&efve<Heeove eoefMe&le efkeee pees
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keer o=ef mes Yeejle cesb meyemes ye[s jeêreke=le yeQke kes He cesb DeHeveer
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kee kesb eEyeog nw.
Fme DeJemej Hej ceQ meceef DeeefLe&ke HeefjJesMe keer meceer#ee kejvee yesno
Gefele mecePelee ntb efpemekes lenle yeQke Dee@]He ye[ewoe ves efJeeere Je<e& 14 kes
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Yeejleere DeeefLe&ke Heefjo=Me
efJeeere Je<e& 14 kes owjeve Yeejle keer Debleefve&efnle DeeefLe&ke efJekeeme
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Je<e& 14 cesb Yeejleere DeLe&JeJemLee keer efJekeeme oj 4.9% nesves kee
Devegceeve ueieeee nw, pees mejkeej kes Het=Jee&vegceeveesb mes kece nw Hejbleg en
efJeeere Je<e& 13 kes 4.5% kes cegkeeyeues ceecet=ueer He mes DeefOeke nw.
peneb ke=ef<e #es$e ves 4.6% keer Meeveoej Je=ef ope& keer Jenerb Keveve SJeb
efJeefvecee&Ce #es$e cesb Yeejer ceboer kee oewj yevee jne Deewj es kece efveJesMe,
kecepeesj ceebie Deewj veerefleiele DeJejesOeesb mes eYeeefJele jns. Je<e& 1991-92
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DeLe&JeJemLee cesb kejerye 60% keer efnmmesoejer jnleer nw, kes 6.9% keer
2
oj mes ye{ves kee Devegceeve nw. en efJekeeme ieefle efHeues Je<e& kes 7.0%
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cegemHeerefle kee Deewmele 5.92% jne Jenerb meerHeerDeeF& DeeOeeefjle (efjsue)
cegemHeerefle 9.49% jner. Ge cegemHeerefle kes yengle mes keejCe jns,
efpevecesb Keee HeoeLees kes cet=ueesb, cepeot=jer Deewj keesj cegemHeerefle cesb DeeF&
Deekeefmceke lespeer, ienve cegemHeerefle DeHes#eeSb, #es$e efJeMes<e DeeHet=efle& DeJejesOe
efJeMes<ekej ke=ef<e Tpee& Deewj HeefjJenve, HeS kee kecepeesj yeves jnvee Deewj
lesue kes cet=ueesb cesb efvejblej TOJe&cegKeer meceeeespeve Meeefceue nw.
pet=ve-pegueeF&, 2013 kes Deeme-Heeme Yeejle ves DeHeveer cege, SefkeJeer Deewj
yeeb[ yeepeejesb cesb GuuesKeveere $e+Ce Het=bpeer DeeGheuees Deewj oJeeyeesb kee meecevee
efkeee keeesbefke JewefMJeke eueefveefOe Meles ke[er jner. Yeejle kes Ge eeuet=
Keeles Deewj jepekees<eere Iees, efvejlebj cegemHeerefle Deewj kecepeesj meceef
DeeefLe&ke DeeOeejYet=le lelJeesb kes keejCe efveJesMekeesb keer eEelee yeveer jnerb.
Yeejleere efjpeJe& yeQke ves eueefveefOe kees ke[e yeveekej, efJeosMeer ele#e
efveJesMe (SHe[erDeeF&) Deewj yeee JeeefCeefpeke GOeejkelee&Deesb (F&meeryeer) kees
$e+Ce meerceeDeesb cesb t= oskej, DeefveJeemeer Yeejleereesb kes Oeve es<eCe kees
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efveebef$ele efkeee.
melele cegemHeerefle eEeleeDeesb Deewj yeee #es$e keer Deefle mebJesoveMeeruelee ves
Yeejleere efjpeJe& yeQke kees ye{leer Deeweesefieke kecepeesefjeesb kes yeeJepet=o ceF&
2013 kes eejcYe Deewj peveJejer, 2014 kes Deble leke ecegKe veerefle oj -

efjHees oj kees 75 DeeOeejYet=le (yeerHeerSme) ye{eves kes efueS yeeOe efkeee.
megOeejesb kes ceeses& Hej Yeejle keer mebmeo ves efJeeere Je<e& 2014 kes oewjeve Yet=efce
DeefOeienCe, HesbMeve Deewj kebHeveer efyeueesb kees Heeefjle efkeee Deewj efveJesMe mebyebOeer
ceb$eer ceb[ue keer meefceefle ves Het=Je& cesb Meg keer ieF& Deveske HeefjeespeveeDeesb kees
Devegceesefole efkeee. jepekees<eere mlej Hej [erpeue kes oece ye{eves Deewj
jepe efyepeueer yees[es keer efJeeere neefveeesb kees kece kejves kes efueS GHeeeesb
kees efke>eeefvJele efkeee ieee.
efJeeere Je<e& 14 keer ot=mejer ceener cesb Yeejle keer yeee mebJesoveMeeruelee cesb
GuuesKeveere He mes keceer ngF& efpememes eeuet= Keeles kees mebkegefele kejves Deewj
Het=bpeer eJeen kees mego={ kejves kes efueS veerefleiele keej&JeeF& kee meceLe&ve efceuee.
efJeeere Je<e& 15 kes efueS mejkeej eje emlegle Debleefjce yepe cesb efJeeere
Je<e& 13 cesb jepekees<eere Ieee peer[erHeer kes 4.9% kes cegkeeyeues efJeeere
Je<e& 14 cesb Iekej 4.6% (mebMeesefOele Het=Jee&vegceeveesb kes Devegmeej) nesves
Deewj efJeeere Je<e& 15 cesb Deewj DeefOeke Iekej peer[erHeer kes 4.1% nesves
kes meeLe, jepekees<eere mego={lee efvejblej eoefMe&le ngF&. neueebefke efJeeere
Je<e& 14 cesb jepekees<eere Iees kee mebMeesefOele Het=Jee&vegceeve kece nw, Fmes
eespevee jepemJe Kee& Deewj Het=bpeer Kee& cesb keceer ueekej eeHle efkeee ieee
nw. DeeefLe&ke meneelee, yeepe Yegieleeve Deewj HesbMeve ves yepeere ue#e kees
eYeeefJele efkeee.
Iejsuet= DeLe&JeJemLee cesb DeeF& ceboer Deewj efMeefLeue JewefMJeke Jemet=ueer keer He=
Yet=efce cesb efJeeere Je<e& 14 cesb Yeejleere yeQeEkeie Geesie keer efJekeeme ieefle Yeer
oyeeJe cesb jner. Ge cege mHeerefle Deewj $e+Ce keer ceebie cesb efiejeJe kes
keejCe pecee SJeb $e+Ce oesveesb ke>ceMe: 14.6% Deewj 14.3% keer Oeerceer
ieefle mes ye{s. $e+Ce cesb efiejeJe kes meeLe ye{er ngF& pecee oj ves JeeefCeefpeke
yeQkeesb keer Meg yeepe Deee kees eYeeefJele efkeee. meeLe ner, egveewleerHet=Ce&
meceef DeeefLe&ke HeefjJesMe Deewj GOeejkelee&Deesb keer kecepeesj egkeewleer #ecelee
kes HeefjCeecemJeHe efJeeere Je<e& 14 cesb yeQke keer Deeefmle iegCeJeee, Hegveie&ef"le
Deeefmleeesb keer Debmelees<epeveke efmLeefle kes meeLe Deewj yeolej ngF&.
leLeeefHe, $e+Ce efveiejeveer Deewj vekeoer Jemet=ueer keer DeHes#eeke=le cepeyet=le eCeeueer
kes meeLe yeQke Fme egveewleer kee meecevee kejves kes efueS yesnlej efmLeefle cesb Les
Deewj keef"ve meceef DeeefLe&ke HeefjJesMe kes yeeJepet=o yeQkeesb ves efJeeere Je<e& 14
kes oewjeve Meeveoej keee&efve<Heeove ope& efkeee.
yeQke Dee@]He ye[ewoe: keef"ve oewj cesb efJeMJemeveere eoMe&ve
DeeefLe&ke heefjJesMe ceW ceboer kes yeeJepeto efJeeere Je<e& 2014 kes oewjeve Deehekes
yeQke ves Jewefeke JeJemeee ceW 20.4% (Je<e& oj Je<e&) keer meg]{ Je=ef ope&
keer efpemeceW Jewefeke pecee jeefMeeeW ceW 20.1% Je=ef leLee Jewefeke DeefieceeW ceW
21.0% Je=ef kee meceeJesMe nw. efheues Ske Je<e& ceW Fme Je=ef kee Ske ye][e
Yeeie oes henueeW mes mebeeefuele ngDee - ke) pecee mebmeeOeve kes mebienCe nsleg
veS Jeef&keue keer mLeehevee Deewj Ke) Deheveer $e+Ce yener kees efJeefJeOelee Jeeues
efjsue, SceSmeSceF& leLee ke=ef<e $e+CeeW hej Oeeve keWefle kejvee keeeWefke
ye][s keeheexjs mesieceW ceW Deye DeJemej meceehle nes jns nwb.
Deehekes yeQke ves efJee Je<e& 14 kes oewjeve heS kee Yeejer DeJecetueve nesves
hej Yeer Debleje&êre JeJemeee ceW Yeer 33.3% (Je<e& oj Je<e&) keer cepeyetle
Je=ef ope& keer. Iejsuet keemee kes 16.0% (Je<e& oj Je<e&) keer oj mes meg]{
mebienCe kejves leLee Ge ueeiele Jeeueer DeefOeceeveer pecee jeefMeeeb efvekeeueves
2013-14
mes Deehekes yeQke ves efJee Je<e& 2014 ceW Iejsuet heefjeeueve ceW SveDeeF&Sce
2.87% yeveeS jKee.
meg]{ Meg yeepe Deee (.11,965 kejes][), keesj Heerme (. 2,117
kejes][), ^spejer ueeYe (.1,783 kejes][) leLee yes Keeles [eues ieS KeeleeW
mes Jemetueer (. 563 kejes][) kegue Keees hej efJeJeskehetCe& efveeb$eCe kes
(14.4% Je<e& oj Je<e& Je=ef) kes meecebpeme mes Deehekes yeQke ves efJee Je<e&
2014 kes oewjeve mekeue ueeYe ceW .9,291kejes][ (Je<e& oj Je<e& 3.2%
Je=ef) leLee Meg ueeYe ceW .4,541 kejes][ (Je<e& oj Je<e& 1.3% keer Je=ef)
keer Je=ef ope& keer.
meceie efJee Je<e& 14 kes oewjeve Deehekes yeQke keer hegveie&"ve eefkeee kes
DeOeerve Je=efMeerue efmuehespe leLee heefjJe&ve eefceke he mes yeQke kes
efoMeeefveoxMeevegmeej meeue keer MegDeele mes ner kece neslee ieee. efJee Je<e&
14 keer leermejer Deewj eewLeer efleceener kes ceOe ceW Deehekes yeQke kee mekeue
SveheerS pees efomebyej 2013 kes Deble ceW 3.32% Lee. ceee& 2014 kes Deble
ceW Iekej 2.94% jn ieee Deewj SveheerS 1.88% mes Iekej 1.52%
nes ieee. efJee Je<e& 14 keer eewLeer efleceener ceW Deeefmle iegCeJeee ceW Jeeheke
hewceeves hej megOeej ngDee Deewj yeQke ves .671.93 kejes][ mes DeefOeke keer
DeeefmleeeW keer efyeeer keer. efJee Je<e& 14 kes oewjeve hegveie&"ve keee&keueehe,
efJee Je<e& 13 keer Dehes#ee kece jns.
yeQke kes eeJeOeeve keJejspe Devegheele ceW Yeer eefceke megOeej ngDee Deewj en
efJee Je<e& 14 keer otmejer efleceener ceW 61.68% mes efJee Je<e& 14 keer leermejer
efleceener ceW 62.22% leLee efJee Je<e& 14 keer eewLeer efleceener ceW 65.45%
nes ieee. pewmee efke Deehe peeveles nQ, eefle eeere lejerkes mes yeHej eeJeOeeve
mebJe&ve nsleg peye yeQke Dee ueeYe kecee jns nesles nQ, heermeerDeej Ske
meceef efJeJeskehetCe& Gheee nw
Deehekes yeQke kee hetbpeer heee&hlelee Devegheele ueieeleej Deheveer meg]{ hetbpeer kees
eefleefyeefcyele kej jne nw. ceee& 2014 keer meceeefhle hej yeemesue-~~ keer Melees
kes Devegmeej meerDeejSDeej 12.87% Lee Deewj yeemesue-~~~ keer MeleeX kes
Devegmeej 12.28% Lee.
meb#eshe ceW, efJee Je<e& 14 kes oewjeve Deehekes yeQke ves Yeejleere yeQefkebie #es$e
ceW Deheveer efJeeere efmLeefle meg]{ keer nw efpemes Fmekes meleke& DeeMeeJeeoer
JeJemeee cee@[ue, Deeefmle iegCeJeee hej kece peesefKece, keemee peceeDeesb hej
efJeMes<e Oeeve leLee cepeyetle hetbpeer keer efmLeefle kee meceLe&ve efceuee nw.
efJeeere Je<e& 14 kes oewjeve keer ieF& veerefleiele Henuesb
keeHees&js $e+Ce
kecepeesj efveJesMe eJe=efe kes keejCe efJeeere Je<e& 14 kees keeHees&js #es$e
eje DeuHe $e+Ce eJe=efe kes He cesb efeefvnle efkeee ieee. mebye keeHees&js
JeJemeee DeJemejesb kee ueeYe G"eves kes efueS DeeHekes yeQke kees veS {bie
mes meesevee He[e. efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke ves keeHees&jsdme
keer keee&Meerue Het=bpeer DeeJeMekeleeDeesb kees Het=je kejves kes efueS e@He DeHe
Hewefmeefueer veeceke veS GlHeeo keer MegDeele keer. Fmekes DeueeJee DeeHekes
yeQke ves ceewpet=oe GlHeeoesb kees Deewj DeefOeke eeflemHeOeer& yeveeves kes eeespeve
mes Fvekeer meceer#ee keer Deesj Fvecesb iegCeelceke megOeej efkeee pewmes keeHees&js
$e+Ce, efye[ yeeB[ ieejbefeeb, YeeJeer eeefHleeesb kes Hess $e+Ce Deeefo. meeLe ner,
meceie efveJesMe eJe=efe kee ueeYe G"eves kes efueS DeeHekes yeQke ves yeepe oj
mebjevee kees leke&mebiele yeveeee.
3
2013-14
veerefleiele JeeJemeeefeke efveCe&e kes He cesb efJeeere Je<e& 14 kes oewjeve DeeHekes
yeQke kes Heefjeespevee efJee efJeYeeie kees meceeefJe kejkes ye[ewoe kewefHeue
ceekes&dme efue. kes meeLe efceuee efoee ieee, efpemekes Heeme Ske meMekele
HesMesJej erce nw. ye[ewoe kewefHeue ceekes&dme efue. Deye skevees Fkee@veesefceke
Jeeeefyeuer (erF&Jeer) DeOeeve kejkes Deewj $e+Ce mecet=nve Deeefo kes ceeOece
mes efveefOeeeb pegekej yeQke kes keeHees&js $e+Ce efJeYeeie kees meneesie eoeve
kejleer nw.
efjsue JeJemeee
cenlJeHet=Ce& m$eesle kes He cesb pecee jeefMeeesb Hej efJeMes<e peesj osves kes eeespeve
mes DeeHekes yeQke ves pecee mebmeeOeve veeceke Ske veS JeJemeee Jeef&keue keer
mLeeHevee keer leeefke Ske cepeyet=le oselee meneesieer leweej kejkes JeJemeee
cee@[ueesb cesb veF& peeve [eueer pee mekes. en veee Jeef&keue DeuHe ueeiele pecee
jeefMeeesb (keemee) Deewj efjsue ceereeoer peceeDeesb cesb melele Je GuuesKeveere
Je=ef megefveefMele kejves Hej DeHevee Oeeve kesbefle kejsiee. keemee peceejeefMeeesb kees ye{eves Deewj [sefye kee[es kees eeslmeeefnle kejves kes efueS ceewpet=oe
eenkeesb kes meeLe mebyebOeesb kees cepeyet=le kejves Deewj megOeejves kes GsMe mes
efJeeere Je<e& 14 kes oewjeve Deveske Henueesb keer MegDeele keer ieF&. Fmekes
DeueeJee efveef<ee Keeleesb kees Hegve: meefee kejves kes efueS keg efJeMes<e
DeefYeeeve eueeS ieS.
Deeefmleeeb He#e keer Deesj mes Yeer DeeHekes yeQke ves efjsue JeJemeee Hej DeefOeke
peesj efoee leeefke yeQke keer $e+Ce yener kees DeefOeke meblegefuele yeveeee pee mekes.
Fmes eeHle kejves kes efueS DeeHekes yeQke ves ye[ewoe DeeJeeme $e+Ce Hej yeepe
oj cesb keewleer keer leeefke en DeefOeke Deeke<e&ke Deewj eeflemHeOeer& yeve mekes.
ye[ewoe DeeJeeme $e+Ce kees veS Deewj ceewpet=oe eenkeesb kees efkemeer Yeer jeefMe Deewj
DeJeefOe kes efueS yesme js DeLee&le 10.25% Hej GHeueyOe kejeee ieee. YeeJeer
efkejeee eeefHleeesb kes Hess $e+Ce Deewj keej $e+Ce Deeefo pewmes GlHeeoesb Hej ojesb
cesb keewleer kejkes Fvnsb Deewj DeefOeke Deeke<e&ke yeveeee ieee.
DeHeves veS JeJemeee cee@[ue- efjsue ueesve Hewkejer (DeejSueSHe) keer
meHeuelee mes Glmeeefnle neskej DeeHekes yeQke ves efJeeere Je<e& 14 kes oewjeve
Yee, pet=veeie{, efJeMeeKeeHevece, cesj" Deewj cegjeoeyeeo cesb Heebe veF&
efjsue ueesve Hewefkeêeb (DeejSueSHe) Keesueer. Fme ekeej DeejSueSHe keer
kegue mebKee Deye ye{kej 45 nes ieF& nw.
SceSmeSce F& JeJemeee
SceSmeSce F& #es$e kees meneesie eoeve kejves kes efueS DeeHekes yeQke eje
Deveske Henueesb keer MegDeele keer ieF& Deewj Fmeves jespeieej me=peve Deewj Fmekes
efJekeeme kes efueS DeHevee meneesie eoeve efkeee. meyemes Henues pet=ve, 2013
cesb SceSmeSceF& $e+Ceesb Hej yeepe ojesb kees leke&mebiele yeveeee ieee leeefke
es DeefOeke Deeke<e&ke Je eeflemHeOeer& yeve mekesb. efJeeere Je<e& 14 kes oewjeve
DeeHekes yeQke ves 4 SceSmeSceF& kesheskeme ueesve Deewj kesheskeme kee[& veeceke
veS GlHeeo keer MegDeele keer leeefke Fme #es$e keer efJeMes<e DeeJeMekeleeDeesb
kees Het=je efkeee pee mekes. DeHeves SceSmeSceF& JeJemeee kes Deewj DeefOeke
mebJeOe&ve kes efueS DeeHekes yeQke ves 1 veJebyej, 2013 mes 28 HejJejer 2014
leke SceSmeSceF& GlmeJe ceveeee. SceSmeSceF& #es$e eje cenmet=me keer pee
jner mecemeeDeesb Hej efJeeej-efJeceMe& kejves kes efueS DeeHekes yeQke ves JeeHeke
efnle cesb DeHeveer SmeSceF& ueesve Hewkeefjeesb kes ecegKeesb kes meeLe SceSmeSceF&
4
meccesueve Deeeesefpele efkeee Deewj efJeefYevve mLeeveesb Hej SceSmeSceF& jeGb[

syeue keveWme Deeeesefpele keer.
DeeHekes yeQke kes Heeme 52 Sme Sce F& ueesve Hewefkeêesb kee efJeMeeue mes DeHe
nw efpemeves meceer#eeOeerve efJeeere Je<e& kes oewjeve . 17,230 kejes[ keer
jeefMe kes $e+Ce cebpet=j efkeS.
eeLeefcekelee eeHle #es$e
Yeejle kes meeceeefpeke - DeeefLe&ke HeefjJesMe cesb ke=ef<e keer cenee kees Oeeve cesb
jKeles ngS DeeHekes yeQke ves eenke mesJee kees yesnlej yeveeves Deewj ke=ef<e Deefieceesb
keer cee$ee Deewj iegCeJeee megOeejves kes efueS efJeeere Je<e& 14 cesb ke=ef<e $e+Ce
Hewefkeêesb (efjsue Deewj SmeSceF& ueesve Hewefkeêesb keer lepe& Hej) kee MegYeejbYe
efkeee. Gcceero nw efke ke=ef<e $e+Ceesb Hej efJeMes<e Oeeve osves kes cekemeo mes es
Hewefkeêeb yeQke keer ceoo kejsbieer. Het=Je& kes Je<ees keer Yeebefle, jyeer Deewj KejerHe
ceewmeceesb cesb ke=ef<e Deefieceesb cesb ye{esejer kejves kes efueS efJeeere Je<e& 14 kes
oewjeve DeeHekes yeQke ves efJeMes<e DeefYeeeve mebeeefuele efkeS.
meeLe ner, mLeeveere ke=ef<e mecegoee keer efJeMes<e pejleesb kees Het=je kejves kes
efueS DeeHekes yeQke ves DeeJeMekelee DeeOeeefjle #es$e efJeefMe eespeveeDeesb keer
MegDeele keer. Fmecesb Deeke<e&Ce yejkejej jKeves kes efueS yeepe ojesb Deewj
eYeejesb cesb mecegefele efjeeelesb oer ieF&. DeeHekes yeQke ves ye[ewoe mJejespeieej
efJekeeme mebmLeeve (yeerSmeJeerSme), ye[ewoe Deej meser kesb, efJeeere mee#ejlee
kesb Deewj ceeFees ueesve Hewefkeêesb pewmes efJeefYevve DeeGefHe kes ceeOece mes
meeceeefpeke #es$e kes mebJeOe&ve Deewj efJekeeme cesb cenlJeHet=Ce& meneesie eoeve
efkeee.
efJeeere meceeJesMeve
DeeHekee yeQke, efJeeere meceeJesMeve kes eeemeesb cesb meyemes Deeies jne nw. yeQke
Fme keee& kees cee$e meeceeefpeke eefleyelee kes He cesb ve osKekej Ske
eYeeJeer Deewj ueeYeoeeke JeJemeee DeJemej kes He cesb osKelee nw. leerve
Je<eer&e eespevee DeJeefOe, DeLee&le 2013-14 mes 2015-16 leke, kes lenle
efveOee&efjle ue#e kes Devegmeej DeeHekes yeQke ves ieece keJejspe kes Jeeef<e&ke
ue#eesb kees efJeeere Je<e& 14 keer Fmekeer mecee meercee mes keeHeer Henues eeHle
kej efueee.
meeLe ner, yeQke ves DeHeves 106Jesb mLeeHevee efoJeme DeLee&le 20 pegueeF&,
2013 kees 1000 efkeeesmkeesb kee eleerkeelceke MegYeejbYe kejkes efkeeesmke
yeQeEkeie cee@[ue keer MegDeele keer. GuuesKeveere nw efke DeeHekes yeQke ves
efkeeesmke mesbj eueeves kes efueS kee@ceve meefJe&me mesbme& (meerSmemeer) keer
mesJeeSb JeJemeee eefleefveefOe kes He cesb uesves kes efueS Gvekes meeLe JeJemLee
kejej efkeee nw. es kesb ieece mlej Hej DeeF&meerer meceefLe&le ev Sb[
meefJe&me megHegoieer& HJeeFbme nwb Deewj Menjer kesb ke=ef<e, mJeemLee, efMe#ee,
ceveesjbpeve, yeQeEkeie, yeercee, HesbMeve, GHeeesefielee Yegieleeve Deeefo kes #es$e cesb
mejkeejer, efJeeere, meceeefpeke Deewj efvepeer #es$e keer mesJeeSb eoeve kejles
nwb.
efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke ves 19 peveJejer, 2014 kees ceOe
eosMe kes njoe efpeues cesb DeyeieebJekeuee cesb Deye&ve efkeeesmke kee MegYeejbYe
kejkes Menjer efJeeere meceeJesMeve kes cemeues kee meceeOeeve kejvee Meg
efkeee nw. 31 ceee&, 2014 kees DeeHekes yeQke ves osMe Yej cesb efJeefYevve mLeeveesb
Hej 1000 mes DeefOeke Menjer efkeeesmke mLeeefHele efkeS nwb.

Deeefmle iegCeJeee
oes Je<ees mes DeefOeke eues cebo cewees DeeefLe&ke HeefjJesMe ves efJeeere Je<e& 14
kes oewjeve Yeer GlHeeoke #es$eesb kees HejsMeeve jKee efpemekes HeefjCeecemJeHe
yeQeEkeie Geesie cesb Deeefmle iegCeJeee oJeeye cesb yeveer jner. leLeeefHe, DeeHekee
yeQke DeHeveer ke[er $e+Ce efveiejeveer Deewj SveHeerS Jemet=ueer eCeeueer kes meeLe
meceer#eeOeerve Je<e& kes oewjeve efmueHespe cesb ye{leer eJe=efe kees eYeeJeer {bie mes
jeskeves cesb meHeue jne.
efJeeere Je<e& 2014 kes Henues efove mes ner DeeHekes yeQke ves mebYeeJe SveHeerS Hej
ke[er efveiejeveer jKeer. Fmekes efueS Fmeves #es$eere mlej Hej cebo Keeleesb Hej
vepej jKeves kes efueS efmueHespe efeJesbMeve emke Heeme& (SmeHeererSHe) ieef"le
keer. SveHeerS cesb Debeflece mecee cesb efkemeer ekeej keer ye{esejer kees eueves
kes efueS eleske GOeejkelee& Keeles keer yeejerkeer mes He[leeue keer ieF&. Fmekes
DeueeJee eleske [erDeejer ($e+Ce Jemet=ueer ef^yet=veue) cesb keee&jle mebHeke&
DeefOekeeefjeesb kees owefveke DeeOeej Hej keevet=veer ceeceueesb cesb DevegJeleer& keej&JeeF&
kejves keer Yet=efcekee meewbHeer ieF& leeefke ef[eer eeHle kejves Deewj Fvekes efve<Heeove
cesb nesves Jeeues efJeuebye kees vet=velece efkeee peeS, Fvecesb lespeer ueeF& peeS Deewj
Jemet=efueeesb kees DeefOekelece efkeee pee mekes.
ess Keeleesb keer Jemet=ueer Hej efJeMes<e Oeeve osves kes efueS DeeHekes yeQke ves ieebJe/
Menj kes mlej Hej keF& ueeske Deoeueleesb Deewj Jemet=ueer kewbHeesb kee Deeeespeve
efkeee. DeeHekes yeQke ves . 25 ueeKe leke kes yekeeee kes eser jeefMe kes
Keeleesb cesb Jemet=ueer eeemeesb kees ieefleMeerue kejves cesb eleske meHe meome
kee Jeefkeleiele Oeeve Deekeef<e&ke kejves kes eeespeve mes eeslmeenve mes peg[er
Jemet=ueer eespevee mebkeuHe VI` kee MegYeejbYe efkeee Deewj Fme eespevee kes lenle
efJeeere Je<e& 14 cesb . 155.19 kejes[ keer jeefMe keer Jemet=ueer keer.
DeHeveer SveHeerS eyebOeve keer veerefle kes Yeeie kes He cesb DeeHekes yeQke ves
efJeeere Je<e& 14 keer Debeflece efleceener kes oewjeve Jeweefkeleke kes meeLe-meeLe
mebefJeYeeie efyeeer esCeer kes lenle SveHeerS Keeleesb kees efyeeer kes efueS jKee
Deewj Fmekee yeepeej mes Dee eeflemeeo (jsmHee@vme) efceuee. Jemlegle: en
23 Keeles yese mekee (. 671.93 kejes[ Hej yekeeee oseesb kes meeLe)
Deewj vekeoer leLee eefleYet=efle eeefHleeesb kees pees[kej Gvekes Hess . 522.
21 kejes[ keer Jemet=ueer keer.
eenke mesJee
nce yeQke Dee@]He ye[ewoe cesb Jeefkeleiele e kes meeLe efJeMJemlejere eenke
mesJee GHeueyOe kejeves cesb efJeMJeeme jKeles nwb. Fme ue#e keer eeefHle kes
efueS DeeHekes yeQke ves eeweesefiekeer kee eYeeJeMeeueer {bie mes GHeeesie efkeee.
GoenjCe kes efueS DeeHekes yeQke kes Heeme ceevekeerke=le ueeske efMekeeele
efveHeeve eCeeueer (SmeHeerpeerDeejSme) veeceke Jesye DeeOeeefjle Dee@veueeFve
efMekeeele HebpeerkejCe Deewj efveHeeve eCeeueer nw. DeeHekes yeQke keer JesyemeeF
Hej Ske Deeekeve GHeueyOe kejeee ieee nw efpemekes ceeOece mes yeQke kes
eenke DeHeveer efMekeeelesb Dee@veueeFve ope& kej mekeles nwb. en eCeeueer ve
kesJeue lJeefjle efveHeeve megueYe kejeleer nw DeefHeleg yeQke kees meYeer efMekeeeleesb
kee kesbereke=le [eeyesme Yeer GHeueyOe kejeleer nw. neue ner cesb DeeHekes yeQke
ves SmeHeerpeerDeejSme kees mebMeesefOele efkeee nw leeefke pees yeQke kes eenke venerb
nwb, Jes Yeer DeHeveer efMekeeelesb ope& kej mekesb leLee/DeLeJee megPeeJe os mekesb.
leLeeefHe, DeeHekes yeQke kes eenke, eefo Jes efveHeeve eCeeueer mes mebleg vener
nwb, lees 15 efove kes Deboj DeHeveer efMekeeelesb efj-DeesHeve kej mekeles nwb.
2013-14
met=evee eeweesefiekeer mebjevee

DeeHekee yeQke met=evee Deewj mebes<eCe eeweesefiekeer (DeeF&meerer) kee GHeeesie
ve kesJeue DeHeveer mJeeb keer eefeeeDeesb kes efueS kej jne nw DeefHeleg DeHeves
eenkeesb kes efueS megefJeOeeDeesb Deewj mesJeeDeesb cesb FpeeHee kejves kes efueS Yeer
Fmekee GHeeesie kej jne nw.
JewkeefuHeke megHegoieer& ewveueesb cesb eenke meblegef ye{eves kes efueS DeeHekes yeQke ves
efJeeere Je<e& 14 kes oewjeve DeHeveer Fbjves yeQeEkeie DeLee&le ye[ewoe keveske
kees keeHeer no leke megOeeje nw leeefke Fmekes uegke Deewj et=pej HeW[ueervesme
cesb FpeeHee nes mekes. Fmecesb megefJeOeeSb Yeer pees[er ieF& nwb. Fme ekeej ye[ewoe
keveske Deye Deveske megefJeOeeSb eoeve kejlee nwb efpemecesb Deve megefJeOeeDeesb
kes meeLe meeLe Dee@veueeFve SHe[erDeej leweej kejvee, DeeJeleer& peceeSb, kej
Yegieleeve, efJeefYevve mebmLeeveesb kees Dee@veueeFve oeve osvee, eerefceece kee
Yegieleeve, Fbjves yeQeEkeie kes ceeOece mes DeeOeej HebpeerkejCe, DeeF&SceHeerSme
(lelkeeue Yegieleeve mesJee) Meeefceue nwb. Fmekes DeueeJee meYeer mcee& Heesve/
syeuesdme Hej Fbjves yeQeEkeie megefJeOee GHeueyOe kejeF& ieF& efpemekes eje
DeHeves eenkeesb kees kenerb mes Yeer yeQeEkeie kee Denmeeme kejeee ieee nw.
Fbjves yeQeEkeie megefJeOeeSb Deye DeeHekes yeQke keer 14 efJeosMeer wefjjer DeLee&le
lebpeeefveee, et=ieeb[e, keerefveee, ceeefjMeme, mewMesume, yeeslmeJeevee, vet=peeruewb[,
et=SF&, efHepeer, et=kes, Deesceeve, Ieevee, Deem^sefueee Deewj et=SmeS cesb efJeeceeve
nwb. DeeHekes yeQke ves DeHeves meYeer eeeesefpele #es$eere ieeceerCe yeQkeesb cesb Yeer
Fbjves yeQeEkeie mesJee GHeueyOe kejeF& nwb.
ceesyeeFue yeQeEkeie Ske Deewj JewkeefuHeke megHego&ieer ewveue nw pees DeeHekes yeQke kes
eenkeesb kees efJeefYevve mesJeeSb GHeueyOe kejelee nw DeLee&le, Mes<e jeefMe Het=lee,
ueIeg efJeJejCeer, efveefOe DeblejCe, Yegieleeve jeskesb, eske efmLeefle, [sefye kee[&
yueeeEkeie Deewj Deve mesJeeSb. ceesyeeFue yeQeEkeie SHueerkesMeve kes eeesie kees
JeeHeke yeveeves kes efueS DeeHekes yeQke ves yuewke yesjer, Sv[êse[ Deewj eEJe[es
ef[JeeFmeesb kes Deefleefjkele meYeer DeeF&-Heesveesb Deewj DeeF&-Hew[esb cesb Fmes GHeueyOe
kejeee. efJeeere Je<e& 14 cesb lelkeeue Yegieleeve mesJee (DeeF&SceHeerSme) Yeer
Meg keer ieF&, efpemecesb heme&ve t DekeeGb (Heer 2 S), cees Hescesb (Heer 2
Sce), DeeOeej DeeOeeefjle Oeve es<eCe (Heer 2 et=) Meeefceue nw.
F&-uee@yeer kes ceeOece mes DeeHekes yeQke ves Fve F& uee@efyeeesb cesb yebe vees
mJeerkeejkelee&, mesuHe meefJe&me Heeme yegke eEej, eske pecee efkeeesmke,
Fbjves yeQeEkeie efkeeesmke pewmes GHekejCe ueieekej DeHeves eenkeesb kes efueS
24 x 7 mesJeeSb eoeve kejkes eenke mesJee kes Deeieeceer mesJee mlej keer Deesj
Ke efkeee nw.
DeefveefMele meeF&yej Dewke Deewj Fueskeêefveke Yegieleeve eCeeueer cesb mebYeeefJele
veS ekeej kes ogHeeesie kes meeLe JewkeefuHeke megHego&ieer ewveueesb kes ceeOece
mes nesves Jeeues uesves-osve keer megj#ee megefveefMele kejves kes eeespeve mes DeeHekes
yeQke ves efJeefYevve Deefleefjkele megj#ee GHeee efkeS pewmes [sefye Deewj esef[
kee[& kesJeue Iejsuet= GHeeesie kes efueS peejer kejvee peye leke efke eenke eje
efJeMes<e He mes Debleje&êre GHeeesie kes yeejs cesb ceebie ve keer ieF& nes, ceewpet=oe
cewie efm^He kee[es kees F&SceJeer efeHekee[& cesb kevJe& kejvee, efHeve meceefLe&le
HeerDeesSme ceMeerveesb keer mLeeHevee Deewj keeHees&js Fbjves yeQeEkeie kes efueS
ef[peerue nmlee#ejesb kes He cesb Deefleefjkele megj#ee keer MegDeele.
efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke ves 3624 veS SerSce mLeeefHele
efkeS, 45 F&-uee@yeer Keesueerb Deewj DeHeveer MeeKeeDeesb kees Deveske yebe vees
5
2013-14
mJeerkeejkelee&, mesuHe meefJe&me Heemeyegke GHeueyOe kejeS. DeeHekes yeQke ves

DeHeveer ueieYeie meYeer MeeKeeDeesb kees vees keeGbeEie ceMeervesb GHeueyOe kejeF&
Deewj iegCeJeeeHejke JeJemeee mebenCe kes efueS DeHeveer efjsue Deewj SmeSceF&
ueesve Hewefkeêesb keer mebjevee kees mego={ efkeee. meb#esHe cesb, met=evee eeweesefiekeer
ves DeeHekes yeQke keer keee& eCeeueer Deewj Fmekes yeQeEkeie Heefjeeueve cesb ele#e
Deblej Hewoe efkeee.
ceeveJe mebmeeOeve Henuesb
ye[s Hewceeves Hej nes jner mesJee-efveJe=efe, eefleYeeDeesb keer JeeHeke Yeleer& Deewj
ye[er eefMe#eCe pejleesb kes He cesb meeJe&peefveke #es$e kes yewkeesb eje
cenmet=me keer pee jner efJeefYevve egveewefleeesb kes Heefjes#e cesb DeeHekee yeQke
Ske meblegefuele Deewj JeeHeke ceeveJe mebmeeOeve veerefle leweej kej jne nw.
DeeHekes yeQke ves DeHeveer JesyemeeF Hej kewefjej Hees&ue keer MegDeele keer
pees yeQke Dee@]He ye[ewoe keer keee& Heefle kes Devet="s Henuet= kees jsKeeeEkele
kejlee nw. Fmeves DeeHekes yeQke keer `ScHeueeej yeebeE[ie' keer efJe yeveeves
cesb ceoo keer nw.
efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke ves `ye[ewoe meejLeer' veeceke
HejeceMe&oeeer keee&ece keer MegDeele kejkes DeHeves Dee@ve yeesef[ie eeseece
kees Deewj DeefOeke mego={ efkeee pees mebmLee cesb Yeleer& nesves Jeeues veS ueesieesb
kes meebmke=efleke meceerkejCe Hej kesbefle Lee. `ye[ewoe meejLeer' kes lenle
Ske Jeefj kece&eejer-HejeceMe&oelee veS Yeleer& ngS keeefce&ke kee ceeie&oMe&ke
yevekej yeQke cesb meHeueleeHet=Je&ke keece kejves Deewj yeQke keer keee&eCeeueer
leLee Fmekes cet=ueesb kees Debieerkeej kejves cesb Gmekeer ceoo kejlee nw. meeLe
ner, DeeHekes yeQke ves eefleYee eyebOeve eCeeueer Yeer keeee&efvJele keer nw. en
Heefle efJeefYevve ceeveob[esb kes DeeOeej Hej YeeJeer mebYeeJe vesle=lJe eoeleeDeesb
keer yesnlej {bie mes Heneeve kejleer nw Deewj Ske JeJeefmLele efJekeemeelceke
eespevee kes ceeOece mes Gvnsb eefMeef#ele kejleer nw.
kece&eejer efveegefkele kes mebJeOe&ve kes efueS DeeHekes yeQke ves efJeefYevve Henuesb keer
pewmes keefveesb Deewj Jeefjesb kes yeere efJeeejesb kes Deeoeve-eoeve kes efueS
meblegef meJes&#eCe Deewj keee&MeeueeDeesb kee Deeeespeve. ceeveJe mebmeeOeve Deewj
Ge eyebOeve kes meeLe kece&eejer mebyebOe megOeejves kes efueS Fve keee&MeeueeDeesb
kee Deeeespeve efkeee ieee. Fmekes DeueeJee, es keee&efve<Heeove kejves
Jeeues keeefce&keesb kees Hegjmke=le kejves kes efueS DeeHekes yeQke ves neue ner cesb
DeHeves kece&eeefjeesb kes efueS mebMeesefOele keee&efve<Heeove mes peg[er eeslmeenve
eespevee keer MegDeele keer.
ye[s Hewceeves Hej nesvesJeeueer mesJee efveJe=efe kes cesvepej mebYeeefJele ye[er Yeleer& keer
He=Yet=efce cesb veS Yeleer& keeefce&keesb kes eefMe#eCe SJeb efJekeeme kee keee& keeHeer
cenlJeHet=Ce& nes ieee nw. ye{leer eeflemHeOee& kes Heefjes#e cesb DeeHekes yeQke ves,
yeQke cesb Ske cegKe efMe#eCe DeefOekeejer (meerSueDees) kes veS Heo kee me=peve
efkeee. meerSueDees ceneeyebOeke kes mlej kes DeefOekeejer nwb Deewj Jes efMe#eCe
ceOemLeesb kes ceeOece mes mebmLeeve kees meneesie eoeve kejles nwb.
DeeHekes yeQke eje eefMe#eCe kes #es$e cesb Yeer Deveske veJeesvces<eer Henuesb keer
ieF&. Je<e& kes oewjeve yeQke keer eefMe#eCe eCeeueer ves efJeefYevve Geesieesb cesb
veJeesvces<eer eefMe#eCe Heefle kes efueS jeêre Hegjmkeej eeHle efkeee. Fbef[eve
meesmeeeer Heesj ^seEveie Sb[ [sJeuesHeces (DeeF&Smeer[er) eje yeQke kees le=leere
Hegjmkeej eoeve efkeee ieee.
DeeHekes yeQke kes Heeme yees[& eje Devegceesefole JeeHeke eefMe#eCe veerefle nw leeefke
eefMe#eCe ieefleefJeefOeeesb kes meYeer #es$eesb kees Fmecesb keJej efkeee pee mekes. yeQke
6
kes efJeefYevve GlHeeoesb keer efJeMes<eleeDeesb cesb megOeej kejves kes efueS eefMe#eCe
efoee peelee nw. eefMe#eCe ee lees yeQke kes Deboj ner efoee peelee nw DeLeJee
yeee eefMe#eCe keee&eceesb kes ceeOece mes efoee peelee nw leeefke kece&eejer
JeeHeke Heefjes#e kes meeLe Geesie keer yesnlej Heefleeesb kees meerKe mekes
Deewj Gvnsb Debieerkeej kej mekes. efJeeere Je<e& 14 kes oewjeve efJeefYevve
eefleefle mebmLeeveesb cesb yeee eefMe#eCe keee&ece Deeeesefpele efkeS ieS
pewmes FbjvesMeveue mket=ue Dee@]He efyepevesme (DeeF&Smeyeer) nwojeyeeo,
FbjvesMeveue cesvespecesb Fbmerdet= (DeeF&SceDeeF&) veF& efouueer, mesbj
Hee@j Deesies&veeFpesMeve [sJeuecesb nwojeyeeo, et=efveJeefme&er Dee@]He cegbyeF&,
ceefCeHeeue et=efveJeefme&er Dee@]He yeQeEkeie, yesbieuet=j Deewj Ssmes ner keF& Deve
mebmLeeve.
peesefKece eyebOeve
DeeHekes yeQke cesb oyeeJeemle GOeejkelee&Deesb keer MegDeeleer ejCe cesb ner
Heneeve kejves kes efueS peesefKece efveOee&jCe ceevekeesb Deewj $e+Ce efveiejeveer
eefeeeDeesb cesb megOeej kejves Hej Heee&Hle peesj efoee peelee nw. efJeefYevve
ekeej kes peesefKeceesb pewmes- $e+Ce peesefKece, yeepeej peesefKece, Heefjeeueve
peesefKece, eueefveefOe peesefKece Deeefo mes efveHeves kes efueS DeeHekes yeQke kes
Heeme yesnlej HeefjYeeef<ele veerefleeeb nwb Deewj yeQke en megefveefMele kejlee nw
efke es meYeer peesefKece, efveosMeke ceb[ue eje efveOee&efjle peesefKece ceevekeesb
kes Deboj yeves jnsb.
yeQke keer JeeHeke peesefKece eyebOeve eCeeueer kes efvecee&Ce, JeJemeee eefeeeDeesb
kees JeJeefmLele kejvee, eyebOeve GHekejCe Deewj Heefleeesb cesb veJeesvcesef<elee
leLee megOeej meefnle yengle mes GHeeeesb kes meeLe DeeHekes yeQke ves efJeeere Je<e&
14 kes oewjeve meYeer ekeej kes peesefKeceesb kes eyebOeve kees Deewj DeefOeke mego={
efkeee leeefke Fmekeer efJeefYevve efyepevesme FkeeFeesb keer DeeJeMekeleeDeesb kees
Het=je efkeee pee mekes.
meceer#eeOeerve Je<e& cesb DeeHekes yeQke ves yeemesue - ~~ Hesce Jeke& kes lenle Gvvele
o=efkeesCe keer leweejer kes efueS DeHeves peesefKece eyebOeve Deekeer&skej keer
meceer#ee keer. DeeHekes yeQke ves $e+Ce peesefKece kes HeeGb[sMeve DeeF&Deejyeer
o=efkeesCe (DeLee&le HeeGb[sMeve Deebleefjke jseEie DeeOeeefjle o=efkeesCe) keer
Deesj Ke kejves kes efueS DeeJesove efkeee Deewj meceeveblej eCeeueer kes efueS
Yeejleere efjpeJe& yeQke mes Devegceesove efceue ieee nw. yeepeej peesefKece kes efueS
DeeHekee yeQke cegbyeF& cesb Ske iueesyeue efce[ Dee@efHeme efJekeefmele kej jne nw
pees yeemesue - ~~ efveeceesb kes lenle Deefleefjkele cee@[ue DeeOeeefjle o=efkeesCe
kes Devegmeej DeHeves iueesyeue Heefjeeueve cesb yeepeej peesefKece efmLeefleeesb kees
yesnlej {bie mes Deebkeves, efveiejeveer Deewj efjHeeseE&ie kejves cesb efkeHeeeleer Deewj
eYeeJeer ceeie& GHeueyOe kejeSiee. Heefjeeueve peesefKece kes #es$e cesb Deehekee
yeQke GheueyOe Glke= meesuet=Meve keeee&efvJele kej jne nw. pees efke yeQke kees
DeHeves Heefjeeueve peesefKece kee efJeMues<eCe Deewj efveeb$eCe DeefOeke yesnlej
Je eYeeJeer {bie mes kejves cesb meneesie eoeve kejsieer. Fme meesuet=meve kes
keeee&vJeeve Hej S[Jeevme[ cewvespecesb Deeese Heesj DeeHejsMebme efjmke keer
cee$eelceke SJeb iegCeelceke pejleesb kes efueS DeeHekes yeQke keer leweeefjeeb Het=jer
nes peeSbieer.
DeblejCe cet=ue cewkesefvepece kees leke& mebiele yeveeves kes efueS DeeHekes yeQke ves
ceewpet=oe cewvegDeue Heefle mes veF& Heefle DeeOeeefjle meesuet=Meve cesb Heelebefjle
kejves keer eefeee Meg keer nw efpemecesb mee@heJesej DeesSHeSmeSS Jeer 6.x

cee@[det=ue kee eeesie efkeee ieee nw Deewj en eefeee kees DeefOeke Jew%eeefveke
Je JeemleefJeke yeveeSieer.
DeeHe peeveles nesbies efke Yeejle cesb 1 Deewue, 2013 mes yeemesue III Het=bpeer
efJeefveeceveesb kee keeee&vJeeve Meg nes ieee nw. DeeHekes yeQke ves 31 ceee&,
2019 leke Fme veS Het=bpeer esceJeke& cesb megee HeelebjCe kes efueS meYeer
ceeie&mLe JeJemLeeSb Henues ner kej ueer nwb.
efJeosMeer JeJemeee
DeeHekes yeQke kee efJeosMeer JeJemeee Fmekes mecee (JewefMJeke) JeJemeee cesb
cenlJeHet=Ce& eesieoeve oslee jne nw. DeeHekes yeQke keer efJeosMeesb cesb JeeHeke
GHeefmLeefle Fmes JewefMJeke mlej Hej cenlJeHet=Ce& peesefKece efJeefJeOelee ueeYe
eoeve kejleer nw. efJeosMeesb cesb DeeHekes yeQke kes efJeMeeue vesJeke& Deewj
DeesJejmeerpe efJemleej Hej Fmekes efvejblej peesj ves Je<e& 14 cesb Yeer yesnlej
JeeJemeeefeke DeJemejesb kee ueeYe G"eves cesb ceoo keer. 31 ceee&, 2014
kees yeQke kes 24 osMeesb cesb 102 keeee&uee keee&jle nwb. Fve 102 keeee&ueeesb
cesb DeeHekes yeQke keer 60 efJeosMeer MeeKeeSb nwb, 41 MeeKeeSb Fmekeer efJeosMeer
Deveg<ebefieeesb keer nQ Deewj Ske eefleefveefOe keeee&uee nw. meceer#eeOeerve Je<e&
kes oewjeve DeeHekes yeQke ves leerve veF& MeeKeeSb/keeee&uee Keesues DeLee&le
Meeefyeee, et=SF& cesb Ske Fueskeêefveke yeQeEkeie FkeeF& Deewj lebpeeefveee cesb
keefjeeket= cesb leLee et=ieeb[e cesb keesueesuees cesb efJeosMeer Deveg<ebefieeesb keer oes
MeeKeeSb.
efJeeere Je<e& 14 keer ecegKe GHeueefyOeeeb
egveewleerHet=Ce& JeJemeee HeefjJesMe kes yeeJepet=o Je<e& keer meceeefHle Hej DeeHekes yeQke
ves meg" JeeJemeeefeke HeefjCeece eoefMe&le efkeS.
l
DeeHekes yeQke kee JewefMJeke JeJemeee 20.4% (Je<e& oj Je<e&) Je=ef kes
meeLe ceee& 2014 kes Deble cesb . 9,65,900 kejes[ nes ieee, Fmecesb
Iejsuet= JeJemeee 15.1% Je=ef kes meeLe . 6,51,223 kejes[ leLee
efJeosMeer JeJemeee 33.3% Je=ef kes meeLe . 3,14,677 kejes[ nes
ieee.
l ceee& 2014 kes Deble cesb DeeHekes yeQke keer JewefMJeke peceeSb 20.1%
Je=ef (Je<e& oj Je<e&) kes meeLe . 5,68,894 kejes[ nes ieF&. Fmecesb
Iejsuet= peceeSb 10.9% Je=ef kes meeLe . 3,79,054 nes ieF& Deewj
efJeosMeer peceeSb 43.6% Je=ef kes meeLe .1,89,840 kejes[ nes ieF&.
l THej GefuueefKele egveewefleeesb kes yeeJepet=o DeeHekes yeQke keer keemee
peceeSb 22.19% Je=ef (Je<e& oj Je<e&) kes meeLe .1,46,488 kejes[
nes ieF&.
l
31 ceee& 2014 kees Iejsuet= keemee 31.76% jns.
l ceee& 2014 kes Deble cesb DeeHekes yeQke kes JewefMJeke Deefiece 21.0%
(Je<e& oj Je<e&) keer Je=ef kes meeLe .3,97,006 kejes[ jns. Fmecesb
Iejsuet= Deefiece 21.3% Je=ef kes meeLe .2,72,169 kejes[ jns Deewj
efJeosMeer Deefiece 20.2% ye{kej .1,24,837 kejes[ jns.
l
efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke kee efjsue $e+Ce 21.0% (Je<e&
oj Je<e&) keer Je=ef kes meeLe .46,019 kejes[ jne efpemecesb ie=n $e+Ce
21.9% Je=ef kes meeLe .19,558 kejes[ jne.
l ceee& 2014 keer meceeefHle Hej DeeHekes yeQke kee SmeSceF& esef[
Hees&Heesefueees 21.2% (Je<e& oj Je<e&) keer Je=ef kes meeLe . 56,634
2013-14
kejes[ jne. ke=ef<e $e+Ce 2.8% Je=ef kes meeLe . 28,432 kejes[
kes mlej Hej Hengbe ieS Deewj Fmekee kecepeesj Jeie& kees $e+Ce 20.9%
ye{kej . 20,599 kejes[ jne.
efJeeere Je<e& 14 cesb DeeHekes yeQke kee Heefjeeueve ueeYe .9,291
kejes[ (3.2% DeefOeke, Je<e&-oj-Je<e&) Deewj Meg ueeYe . 4541
kejes[ (1.3% DeefOeke Je<e&-oj-Je<e&) jne.
Deewmele Deeefmleeesb Hej eefleHeue (DeejDeesSS) yeepeej keer Dehes#eeDeeW
kes DevegHe 0.75% jne.
31 ceee& 2014 kees Het=bpeer Fbheet=peve kes yeeJepet=o FefkeJeer Hej
eefleHeue (DeejDeesF&) kees 13.0% hej mebjef#ele efkeee ieee.
kecepeesj $e+Ce ceebie kes yeeJepeto efJeeere Je<e& 2014 kes oewjeve
DeeHekee yeQke Iejsuet= Heefjeeueveesb cesb Meg yeepe ceeefpe&ve 2.87%
leLee JewefMJeke Heefjeeueveesb cesb 2.36% jKeves cesb meHeue jne.
efJeJeskeHet=Ce& o=efkeesCe DeHeveeles ngS 31 ceee& 2014 kees DeeHekes yeQke
kes eeJeOeeve keJejspe DevegHeele ceW hetjs Je<e& kes oewjeve efvejvlej megOeej
ngDee Deewj en 65.45% jne pees efke otmejs ecegKe eefleeesefieeeW keer
leguevee ceW Dehes#eeke=le keeheer Ge nw.
DeeHekes yeQke keer Hetpb= eer mego{= lee Fmekes hetpb eer heee&hlelee Devegheele ceW
eoefMe&le nesleer nw. 31 ceee& 2014 kees meerDeejSDeej (yeemesue - ~~)
12.87% SJeb erej ~ hetpb eer 9.4% hej jne. 31 ceee& 2014 kees
Fmekee meerDeejSDeej (yeemesue-~~~) 12.28% , erej-~ hetbpeer
9.28% Deewj keesj erej-~ hetbpeer 8.95% hej jne.
DeeHekes yeQke kee ueeiele Deee DevegHeele efJeeere Je<e& 14 kes efueS
DeHes#eeke=le 43.44% kes vet=ve mlej Hej yevee jne.
yeQke kee eefle Mesej Depe&ve . 107.38 kejes[ leLee Fmekee eefle
Mesej yener cet=ue . 813.50 jne.
Hegjmkeej SJeb mecceeve

efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke kees efJeefYevve JeJemeee SJeb efJeeere
ceeveob[esb kes lenle Fmekes GuuesKeveere keee&efve<Heeove nsleg Deveske Hegjmkeej
eeHle ngS, eeHle ecegKe Hegjmkeej Fme ekeej nwb:
l
[ve Sb[ yee[mêr eje iueesyeue efyepevesme [sJeueHecesb esCeer kes lenle
yesm HeerSmeet= yeQke - Heesueefjpe Heeeveebefmeeme skeveesuee@peer yeQeEkeie
DeJee[& 2013.
l DeeF&[erDeejyeerer eje HeerSmeyeer kes yeere yeQeEkeie skeveesuee@peer
Sefkemeuesbme DeJee[& 2013.
l
DeeHekes yeQke kees efo HeeeveebefMeeue Skemeesme cewiepeerve cesb ekeeefMele
HeeeveebefMeeue Skemeesme Deve&m Sb[ ebie yesm yeQke meJes& 2012-13
kes lenle HeerSmeyeer esCeer cesb eLece jwbke efoee ieee.
l escyej Dee@]He Fbef[eve ceeFees, mceeue SJeb ceeref[ece FbjeeFpespe
eje SceSmeSceF& cesb yesm yeQke kes He cesb SceSmeSceF& yeQeEkeie
Sefkemeuesbme DeJee[& 2013.
l
vet= Fbef[eve Skemeesme eghe eje mLeeefHele efo meb[s mwb[[& yesm yeQkej
DeJee[& - yesm yeQkej SeDeej.
7
2013-14
SMeesece 9Jeeb SvegJeue yeQeEkeie meefce-men-meesMeue yeQeEkeie DeJee[& 2013

ceW meeceeefpeke yeQeEkeie kes #es$e cesb HeerSmeyeer esCeer kes lenle efJepeslee.
l
ceeF& SHeSHe meme& Dee@]He o Fb[mêr eje `Sefkemeuesbme Fve nesce ueesve
yeQeEkeie' DeJee[&.
l
Jeu[& meerSmeDeej keebesme eje Yeejle kes 50 meJee&efOeke eefleYeeJeeve
meerSmeDeej eesHesMeveue esCeer cesb èfo iueesyeue Sefkemeuesbme Sb[ ueer[jefMeHe
DeJee[&'.
es meYeer Hegjmkeej leLee mecceeve nceejs efueS efJeMes<e cenlJe jKeles nwb keeesbefke
es DeeHekes yeQke kes meHeue JeJemeee cee@[ue keer meHeuelee kees ceevelee
eoeve kejles nwb efpemeves je^ keer eieefle cesb efveCee&eke Yet=efcekee efveYeeF&.
l
YeeJeer eespeveeSb
jepevewefleke mLeeefelJe Deewj mebYeeefJele DeeefLe&ke megOeejesb kes keeee&vJeeve
kes DeeOeej Hej nce efJeeere Je<e& 15 kes oewjeve Yeejleere DeLe&JeJemLee
kes efJekeeme keer DeHes#ee kejles nQ. efJeeere Je<e& 15 cesb efveJesMe megOeejesb,
GHeYeeskelee JeJenej, jespeieej cesb melele ye{esejer Deewj efveee&le cesb Deee Deewj
efveefMelelee kes yeue Hej efJeeere Je<e& 15 cesb Je=ef oj ye{ves keer mebYeeJevee
nwb. peer[erHeer keer mebYeeefJele ye{esejer kes meeLe efJeeere Je<e& 15 kes oewjeve
yeQeEkeie JeJemeee cesb mekeejelceke megOeej kes mebkesle efoKeeF& osles nQ. Yeejle
keer meyemes ye[er esef[ jseEie Spesbmeer efeefmeue kes Devegmeej esef[ keJeeefueer
oyeeJe Yeejleere yeQeEkeie Geesie kes efueS kece nes jns nwb, efHej Yeer, melele
DeeefLe&ke DeefveefMeleleeDeesb kes keejCe megOeej keer ieefle Oeerceer nesieer.
efJeeere Je<e& 14 kes oewjeve yeQke Dee@]He ye[ewoe ves DeHeves efnle Oeejkeesb kes efueS
Ske Hemeboeroe yeQke yeveves keer efoMee cesb GuuesKeveere eieefle keer. egveewleerHet=Ce&
HeefjJesMe kes yeeJepet=o Fmekeer Deee cesb efvejblej ye{esejer ngF&, Fmekes veS
efmueHespe Hej jeske ueieer nw Deewj Fmekeer mego={ efveefOeeve efmLeefle ves Fmes
DeHeves GOeejkelee&Deesb kees efvejblej meneesie osves cesb meceLe& yeveeee.
efJeeere Je<e& 15 kes oewjeve yeQke Dee@]He ye[ewoe DeHeveer Het=bpeer Deewj efveefOeeve
efmLeefle kees Deewj DeefOeke cepeyet=le kejves Hej Oeeve kesbefle kejvee peejer
jKesiee leeefke DeHeves JeJemeee cesb efvejblej Je=ef keer pee mekes. DeeHekes yeQke
kees Het=je efJeMJeeme nw efke ueesie, eefeee Deewj eeweesefiekeer Hej DeHeves veerefleiele
Heeskeme kes meeLe en GYejles JeJemeee HeefjJesMe cesb ueer[jefMeHe efmLeefle cesb
yevee jnsiee.
yeQke kes keeHees&j ue#e Deewj keee&veerefle
efJeeere Je<e& 14 kes oewjeve DeHeveer GHeueefyOeeesb kes yeue Hej DeeHekes yeQke ves
DeHevee pees DeeoMe& egvee nw Jen JewefMJeke yeQeEkeie #es$e cesb Deeies ye{ves kes eefle
nceejer Jeeve yelee kees Het=Ce&le: jsKeeeEkele kejlee nw. yeQke ves efJeeere Je<e&
15 kes efueS `jsme Dens[' kees DeHeves DeeoMe& Jeekee kes He cesb egvee nw. `jsme'
Meyo mes efvecveefueefKele DeefYeesle nw.
Deej - efjsueesvcegKelee
S - Deeefmle iegCeJeee
meer - #ecelee efvecee&Ce
F& - Deee
DeeHekes yeQke kees en efJeMJeeme nw efke Fve eej HenuegDeesb Hej Oeeve keWefle
kejves mes ve kesJeue GuuesKeveere JeJemeee Je=ef eeHle kejves cesb DeefHeleg
8
DeHeveer ueeYeeolee Deewj mego={lee mebkeslekeesb cesb Yeer megOeej ueeves cesb ceoo
efceueveer eeefnS.
efjsueesvcegKelee kes eefle o=efkeesCe HegKlee kejves kes efueS DeeHekee yeQke
Ge ueeiele keer ye[er pecee jeefMeeesb kes cegkeeyeues DeuHe ueeiele keer eeuet=
SJeb yeele peceeDeesb Deewj efjsue ceereeoer peceeDeesb keer Deeeeceke kewveJeeeEmeie
Hej peesj osiee. meeLe ner, $e+Ce yener kees DeefOeke JeeHeke yeveeves kes efueS
efjsue $e+Ce, SceSmeSceF& Deewj ke=ef<e $e+Ce Hej Oeeve kesbefle efkeee peeSiee.
efJeeere Je<e& 2014 cesb Deeefmle iegCeJeee eyebOeve megOeejves kes DeHeves eeemeesb
keer lejn DeeHekee yeQke $e+Ce efveiejeveer, SveHeerS Jemet=ueer Deewj Dehees[sMeve kes
meeLe-meeLe veS efmueHespe keer jeskeLeece Hej Oeeve kesbefle kejsiee.
#ecelee efvecee&Ce Ske Ssmee Deve #es$e nw efpemecesb DeeHekes yeQke ves GuuesKeveere
efveJesMe efkeee nw. efJeeere Je<e& 2014 kes oewjeve DeeHekes yeQke ves 601 veF&
MeeKeeSb Keesueer, 3624 veS SerSce mLeeefHele efkeS, 45 F&-uee@efyeeeb Keesueer
Deewj DeHeveer MeeKeeDeesb kees ye[er cee$ee cesb yebe vees mJeerkeejkelee& ceMeerve,
mesuHe meefJe&me Heeme yegke efevme& Deeefo GHeueyOe kejeS. DeeHekes yeQke ves
DeHeveer ueieYeie meYeer MeeKeeDeesb kees vees keeGbeEie ceMeervesb GHeueyOe kejeF&
Deewj efjsue leLee SmeSceF& ueesve Hewkeêesb, pees Yeejle cesb yeQke keer veJeesvces<eer
JeJemeee cee@[ue nwb, keer mebjevee kees mego={ efkeee. efJeeere Je<e& 2015 kes
oewjeve DeeHekee yeQke Fme Henuet= kees DeHeveer Ge eeLeefcekelee osvee peejer
jKesiee leeefke Fmekeer eefeeeDeesb kees Deewj DeefOeke me#ece SJeb eenke mesJee
kees Deewj DeefOeke yesnlej yeveeee pee mekes. ye{leer eeflemHeOee& leLee Deve
egveewefleeesb kee meecevee kejves kes efueS DeeHekee yeQke DeHeves JeJemeee cee@[ue
kees Deewj DeefOeke efkeHeeeleer yeveeSiee Deewj yeepe Deee Deewj iewj yeepe
Deee kes Flece efcekeme kes ceeOece mes DeHeveer Deee kees megOeejves kee
eeeme kejsiee. Fmes eeHle kejves kes efueS yeQke HeefjJele&ve Spesb kes He cesb
eeweesefiekeer kee melele Je DeefOekelece GHeeesie kejsiee.
Fmekes DeueeJee, DeeHekes yeQke eje MeerIe ner `DeeoMe& eeceerCe MeeKee' kee
MegYeejbYe emleeefJele nw. DeeHekes yeQke eje es MeeKeeSb eeceerCe #es$eesb cesb Fmekes
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2013-14
Chairman's Statement
A Credible
Show in Tough
Times
S. S. Mundra
Chairman & Managing Director
Dear Stakeholder,
I am delighted to report that during the year 2013-14
(FY14), Bank of Baroda delivered a healthy performance
that is consistent with our guidance and promise to our
stakeholders. With the help of our well crafted business
model, we reaffirmed our standing as the largest nationalised
bank of India in terms of total business. Moreover, we
continued to make strong progress in our financial
soundness indicators that are at the heart of our business
strategy.
At this point, I deem it most appropriate to review the
macroeconomic environment, within which Bank of Baroda
operated during FY14.
Indian Economic Review
Indias underlying economic growth trends remained weak
during FY14. The Central Statistical Organisation has
estimated Indian economy to have grown by 4.9% in FY14,
a shade lower than the governments earlier projection but
marginally above 4.5% clocked in FY13. While the farm
sector has registered a healthy growth of 4.6%, a deep
slowdown continued in the mining and manufacturing
sectors that suffered from low investment sentiment, weak
demand and policy bottlenecks. This is the first time since
1991-92 that Indias manufacturing sector has contracted,
reflecting the stress confronting the sector. The services
sector that accounts for nearly 60% of the economy, is
expected to grow 6.9%, slightly slower than the previous
years expansion of 7.0%.
High and persistent inflation remained a key macroeconomic
challenge facing India throughout the year FY14. While
the WPI-based inflation averaged at 5.92% in FY14, the

CPI-based (retail) inflation averaged at 9.49%. The high
inflation was a result of a number of factors, including
elevated food prices feeding quickly into wages and core
inflation, entrenched inflation expectations, sector-specific
supply constraints particularly in agriculture, energy and
transportation, the pass through from a weaker rupee and
continuous upward adjustment in fuel prices.
Around June-July, 2013, India was faced with significant
debt capital outflows and pressures on its currency, equity
and bond markets, as global liquidity conditions tightened.
Investor concerns were amplified with Indias high current
account and fiscal deficits, persistent inflation and weaker
macroeconomic fundamentals. The Reserve Bank of India
(RBI) controlled the situation by tightening liquidity, relaxing
limits on foreign direct investments (FDI) and external
commercial borrowings (ECBs), encouraging non-resident
Indian remittances and sharply increasing gold import duties.
Persistent inflation worries and external sector vulnerabilities
prompted the RBI to raise the key policy rate Repo rate by
75 bps between early May, 2013 and end Jan, 2014 despite
growing industrial weaknesses.
On the reforms front, Indias parliament passed the land
acquisition, pension and companies bills during FY14 and
the Cabinet Committee on Investments (CCI) approved
a sizeable quantum of previously stalled infrastructure
projects. On the fiscal front, measures were implemented to
raise diesel prices and reduce the financial losses of state
electricity boards.
2013-14
Indias external vulnerabilities fell significantly in the second

half of FY14, helped by policy actions to shrink the current
account and strengthen capital flows.
The Interim Budget presented by the government for FY15,
reflected continued fiscal consolidation, with a fall in the
fiscal deficit from 4.9% of GDP in FY13 to 4.6% of GDP in
FY14 (as per the revised estimates) and further to 4.1% of
GDP in FY15. While the revised estimate of fiscal deficit is
lower in FY14, it is achieved by a reduction in plan revenue
expenditure and capital expenditure. The subsidies, interest
payments and pension have overshot the budgeted target.
Against the backdrop of a slowdown in the domestic
economy and tepid global recovery, the growth of Indian
banking sector too remained under pressure in FY14. Both
deposits and credit grew at a slower pace of 14.6% and
14.3%, respectively on account of high inflation and subdued
loan demand. The elevated deposit rates combined with
lower credit volumes suppressed the net interest income of
commercial banks. Moreover, as a result of the challenging
macroeconomic environment and worsened repayment
capacity of borrowers, banks asset quality deteriorated
further in FY14 with a swollen pipeline of restructured assets.
However, banks with relatively stronger systems of credit
monitoring and cash recovery were better equipped to
shoulder this challenge and delivered a sound performance
during FY14 despite stressful macroeconomic environment.
Bank of Baroda: A Credible Show in Tough times
During FY14, your Bank was able to post strong growth
of 20.4% (y-o-y) in global business supported by 20.1%
in global deposits and 21.0% growth in global advances
despite sluggish economic environment. A major part of this
growth was driven by two initiatives in the past one year a)
set up of a new vertical for mobilization of deposit resources
and b) focused efforts to diversify its loan-book in favour
of retail, MSME and agriculture credit, as opportunities in
large-sized corporate segment had dried up.
Your Banks international business too grew at a stronger
pace of 33.3% (y-o-y), partly driven by massive rupee
depreciation during FY14. Healthy mobilization of domestic
CASA deposits at the rate of 16.0% (y-o-y) and shedding of
high-cost preferential deposits helped your Bank defend its
NIM in domestic operations at 2.87% in FY14.
Supported by healthy Net Interest Income (at Rs 11,965
crore), Core Fees (Rs 2,117 crore), Treasury Gains (Rs
1,783 crore) and Recoveries from Written-Off Accounts
(Rs 563 crore) combined with prudent control over Total
Expenses (up 14.4%, y-o-y), your Bank posted Gross Profit
at Rs 9,291 crore (up 3.2%, y-o-y) and Net Profit at Rs 4,541
crore (up 1.3%, y-o-y) during FY14.
Your Banks incremental slippages and additions to
restructuring pipeline kept on declining sequentially
throughout the year FY14 in line with the Banks guidance
at the beginning of the year. Between the third quarter
and the fourth quarter of FY14, your Banks Gross NPA
declined from 3.32% at end-December, 2013 to 2.94%
at end-March, 2014 and Net NPA declined from 1.88% to
1.52%. Improvement in asset quality was broad-based and
partly driven by asset sales worth Rs 671.93 crore in Q4,
10
FY14. Restructuring activity too remained low in FY14 as

compared to its level in FY13.
The Banks Provision Coverage Ratio (PCR) too improved
sequentially from 61.68% in Q2, FY14 to 62.22% in Q3,
FY14 to 65.45% in Q4, FY14. As you know, PCR is a macroprudential measure, with a view to augmenting provisioning
buffer in a counter-cyclical manner, when the banks are
making good profits.
Your Banks Capital Adequacy Ratio continued to reflect its
capital strength. The CRAR was 12.87% in terms of Basel II
and 12.28% in terms of Basel III at end-March, 2014.
In nutshell, your Bank further strengthened its financial
position in the Indian banking space during FY14 supported
by its cautiously optimistic business model, lower risks on
asset quality, focus on CASA deposits and strong capital
positioning.
Strategic Initiatives during FY14
Corporate Credit
The year FY14 was marked by low credit appetite by the
corporate sector on account of weak investment sentiment.
Your Bank had to think innovatively to garner relevant
corporate business opportunities. During FY14, your Bank
introduced a new product christened as Top-Up Facility
for meeting the working capital requirements of corporates.
Additionally, your Bank also reviewed and revisited the
features of existing products to make them more competitive
such as Corporate loans, Bid Bond Guarantees, Loans
against future receivables etc. Moreover, your Bank
rationalized the interest rate structure so as to spur the
overall investment sentiment.
As a strategic business decision, your Banks Project
Finance Department was hived off during FY14 and merged
with Baroda Capital Markets Ltd, which has a dedicated team
of professionals. Baroda Capital Markets Ltd. now supports
the Banks Corporate Credit Division by undertaking Techno
Economic Viability (TEV) studies and arranging funds for
corporates by way of Loan Syndication, etc.
Retail Business
With the purpose to place special emphasis on deposits as
an important resource, your Bank created a new business
vertical Deposit Resources so as to create a strong liability
franchise and generate synergy in business models. This
new vertical focuses on ensuring consistent and significant
growth in Low-cost Deposits (CASA) and Retail Term
Deposits. A number of initiatives were undertaken during
the year FY14 for strengthening and reviving the relationship
with existing customers for improving CASA deposits and
promoting debit cards. Furthermore, some special drives
were launched for activation of dormant accounts.
From the assets side also, your Bank placed added thrust
on retail business to make its loan-book more balanced.
To achieve this, your Bank reduced the rate of interest
on Baroda Housing Loan so as to make it attractive and
competitive. The Baroda Housing Loan was made available
at Base Rate, i.e., at 10.25% for any amount and any tenure
to new as well as existing borrowers. The rates were also
reduced and made attractive on products like Loan against
Future Rent Receivables, Car Loans, etc.

Encouraged by the success of its novel business model
Retail Loan Factory (RLF) - your Bank opened five New
RLFs at Bharuch, Junagarh, Visakhapatnam, Meerut and
Moradabad during FY14 taking the total strength of RLFs
to 45.
MSME Business
A number of initiatives were taken by your Bank to support
the MSME sector, given its potential to generate employment
and growth. First of all, the rate of interest on MSME loans
was rationalized in June 2013 to make such loans more
attractive and competitive. Your Bank also introduced a
new product named as MSME Capex Loan and Capex
Card'' during FY14 to take care of this sectors specific
requirements. To further promote its MSME business, your
Bank celebrated MSME Festival from 1st November 2013 to
28th February 2014. In the larger interest, to deliberate on
the issues facing the MSME sector, your Bank organized
the MSME Conclave with heads of its SME Loan Factories
and also arranged the MSME Round Table conference at
various places.
Your Bank has a rich set up of 52 SME Loan Factories
(SMELFs), which sanctioned loans to the tune of Rs 17,230
crore during the financial year under review.
Priority Sectors
Considering the significance of agriculture in the socioeconomic fabric of India, your Bank launched Agriculture
Loan Factories (in line with the Retail and SME Loan
Factories) in FY14 for bettering customer service and
improving the volume and quality of agriculture advances.
These factories are expected to help your Bank to lay
specific focus on agriculture loans. As in the past years,
your Bank conducted Special Campaigns during FY14 to
augment agriculture advances in both the Rabi and Kharif
seasons.
Furthermore, your Bank introduced tailor-made area specific
schemes to cater to the specific needs of the local farming
community. Appropriate concessions in interest rates and
charges were given to retain its attractiveness. Your Bank
strongly supported the growth and development of social
sectors through its various outfits like Baroda Swarojgar
Vikas Sansthan (BSVS), Baroda R-Seti Centres, Financial
Literacy Centres and Micro Loan Factories.
Financial Inclusion
Your Bank has been a frontrunner in the Financial Inclusion
efforts. It looks at it not just as a social commitment but as
an effective and profitable business proposition. As per the
targets set under the three-year plan period i.e. for 201314 to 2015-16, your Bank has achieved the annual targets
of village coverage well ahead of its timeline for the FY14.
Moreover, it launched the Kiosk Banking Model by virtually
inaugurating 1,000 Kiosks on its 106th foundation day, i.e.
20 th July 2013. It may be noted that your Bank has
arrangements with Common Service Centers (CSCs) to
avail their services as Business Correspondents for running
the Kiosk centers. These centers are ICT enabled frontend service delivery points at the village level and urban
centers for delivery of government, financial, social and
private sector services in the areas of agriculture, health,
2013-14
education, entertainment, banking, insurance, pension,

utility payments, etc.
During FY14, your Bank began addressing the issue of
urban financial inclusion by launching Urban Kiosks at
Abgaonkala in Harda district of Madhya Pradesh on 19th
January 2014. As on 31st March 2014, your Bank set up
more than 1,000 Urban Kiosks at various locations across
the country.
Asset Quality
Depressed macro-economic environment for more than two
years continued to haunt the productive sectors during FY14
also, as a result of which, the asset quality in the banking
Industry remained under stress. However, your Bank with
its rigorous credit monitoring and NPA recovery systems
was able to arrest effectively the rising trend in slippages
during the year under review.
From day one of the year FY14, your Bank kept a close
watch on potential NPAs. For this, it constituted a Slippages
Prevention Task Force (SPTF) at the regional level to keep
a tab on stressed accounts. Each and every borrowers
account was tracked closely to avoid any last minute rise
in NPAs. Besides this, the nodal officers at each DRT (Debt
Recovery Tribunal) centre were assigned the role of a
follow-up of legal case on day to day basis so as to minimize
delays in obtaining decrees and execution thereof in order
to expedite and maximize recoveries.
Your Bank organized a number of Lok Adalats and Recovery
Camps at village/ town level to provide special focus on
recovery of small accounts. Your Bank also launched an
incentive-linked recovery scheme Sankalp VI, to enlist
personalized attention of each and every staff member in
pursuing recovery efforts in small value accounts with an
outstanding up to Rs 25 lakh and recovered Rs 155.19 crore
during FY14 under the said scheme.
As a part of its strategy of NPA management, your Bank
put for sale of NPL accounts under individual as well as
portfolio sale categories during the last quarter of FY14 and
elicited good response from the market. In fact, it could sell
23 accounts (with outstanding dues at Rs 671.93 crore) and
realized against them Rs 522.21 crore in a combination of
cash and security receipts.
Customer Service
In Bank of Baroda, we believe in providing worldclass customer service with a personal touch and we
continuously strive towards improvement. Towards this
goal, your Bank has been effectively using technology.
For instance, your Bank has a web-based online
complaint registration and redressal system in the name of
Standardized Public Grievance Redress System (SPGRS).
An icon is provided on your Banks website through which
the Banks customers can lodge complaints online. The
system not only facilitates a speedy redressal but also
enables the Bank to maintain centralised data-base of all
complaints. Recently, your Bank has modified the SPGRS
so that even non-customers can lodge their complaints
and/or suggestions. Moreover, your Banks customer can
re-open their complaints within 15 days, if they are not
satisfied with the redressal system.
11
2013-14
Information Technology Structure
H. R. Initiatives
Your Bank has been using Information and Communication

Technology (ICT) not only to improve its own internal
processes but also to increase facilities and services for
its customers.
Your Bank has been pursuing a balanced and comprehensive

Human Resources policy in view of various challenges faced
by the public sector banks in the form of large retirements,
massive induction of talent, and huge training requirements.
Your Bank has launched Career Portal on its website
which projects the unique aspects of working at Bank of
Baroda. This has helped in providing a huge impetus to the
Employer Branding of your Bank.
To enhance the customer experience in alternative delivery

channels, your Bank revamped its Internet Banking, viz.,
Baroda Connect to a great extent during FY14 to enhance
its look and feel, user-friendliness and also added more
facilities. Thus, the Baroda Connect now offers a host of
facilities ranging from creation of online FDR, recurring
deposits to tax payments, online donations to various
institutions, payments of premiums, aadhaar seeding through
internet banking, IMPS (Immediate Payment services)
among the others. Moreover, Internet Banking facility was
made available on all smart-phones/ tablets offering comfort
of anywhere banking to its customers. Internet Banking is
now extended to your Banks 14 overseas territories viz.
Tanzania, Uganda, Kenya, Mauritius, Seychelles, Botswana,
New Zealand, UAE, Fiji, UK, Oman, Ghana, Australia and
USA. Internet banking is also provided in all the RRBs
sponsored by your Bank.
Mobile Banking - one more alternate delivery channel
that offers various facilities to your Banks customers,
viz., balance enquiry, mini statement, fund transfer,
stop payment, cheque status, debit card blocking, and
other services. To widen the usage of Mobile banking
application, your Bank made it available in all i-Phones
and i-Pads in addition to Blackberry, Android, and Windows
devices. Immediate Payment Services (IMPS) was also
implemented in FY14 covering Person to Account (P2A),
Merchant Payments (P2M), Aadhaar based remittance
(P2U).
Through e-Lobbies, your Bank has moved on to the next
level of customer engagement by enabling 24 X 7 services
for its customers by installing devices like Bunch Note
Acceptors, Self-Service Pass Book Printers, Cheque
Deposit Kiosk, Internet Banking Kiosks in these e-Lobbies.
To ensure the safety of transactions through alternate
delivery channels, with the cyber-attacks being unpredictable
and electronic payment systems vulnerable to new types
of misuse, your Bank initiated various additional security
measures such as issuing debit and credit cards only for
domestic usage unless international usage is specifically
sought by the customers, converting existing MagStrip
Cards to Europay MasterCard and Visa (EMV) Chip card,
installation of PIN enabled POS machines and introducing
additional security in the form of Digital signatures for
Corporate Internet Banking.
During the year FY14, your Bank installed 3,624 new ATMs,
opened 45 e-Lobbies and provided a number of Bunch
Note Acceptors, Self-service Pass book Printers, etc. to its
branches. Your Bank also provided Note Counting Machines
to almost all its branches and strengthened the structure of
its Retail and SME Loan Factories to mobilise business
with quality. In short, Information Technology has made a
visible difference in the functioning of your Bank and conduct
of its banking operations.
12
During FY14, your Bank further strengthened its Onboarding Programme which aims at cultural assimilation of
new recruits into this institution by introducing a Mentoring
programme Baroda Sarthy. Under Baroda Sarthy, a
senior employee the Mentor handholds the new entrant to
enable his or her smooth transition into the Bank and helps
him or her adapt to the value system and working of your
Bank. Besides, your Bank has also implemented Talent
Management System. This system proactively identifies
future potential leaders based on various criteria and also
grooms them through a systematic developmental plan.
To enhance the Employee Engagement, your Bank
undertook various initiatives like conduct of satisfaction
surveys and workshops for interaction between juniors
and seniors. These workshops were conducted to improve
the employee connect with HR and top management.
Furthermore, to reward the top performers, your Bank very
recently launched a revised performance linked incentive
scheme for its employees.
Against the backdrop of massive recruitments in view of
large retirements, training and developments of new recruits
has assumed significant importance. In the context of the
growing competition, your Bank created a new functional
position as Chief Learning Officer (CLO) in the Bank. The
CLO is of the level of a General Manager and supports the
organization through learning interventions.
A good number of innovative steps were taken by your
Bank in training as well. The training system of your Bank
bagged the National Award for Innovative Training Practices
in various industries by securing third position, awarded by
the Indian Society for Training & Development (ISTD) during
the current year.
Your Bank has a Board approved comprehensive training
policy so that it covers the entire spectrum of training
activities. The training is imparted for improving the
understanding of different products of the Bank. The
training is conducted either within the Bank or through
external training programmes so that employees are able
to learn and adopt best industry practices with a wider
perspective. During FY14, the external training programmes
were organized at various prestigious organizations such
as International School of Business (ISB) Hyderabad;
International Management Institute (IMI), New Delhi; Centre
for Organization Development, Hyderabad; University of
Mumbai; Manipal Academy of Banking, Bangalore and
other such institutes.
Risk Management
Significant emphasis is placed in your Bank on improving
risk assessment standards and credit monitoring process
2013-14
to identify stressed borrower at an early stage. Your Bank

has well-defined policies to address various risks Credit
Risk, Market Risk, Operational Risk, Liquidity Risk, etc., and
the Bank sees to it that all these risks remain well within the
risk appetite defined by its Board of Directors.
Your Banks Global Business expanded by 20.4%

(y-o-y) to Rs 9,65,900 crore by end March 14. Within
this, Domestic Business expanded by 15.1% to Rs
6,51,223 crore and Overseas Business increased by
33.3% to Rs 3,14,677 crore.
By taking a series of measures, including building bank-wide

risk management systems, streamlining business processes,
innovation and improving management tools and methods,
your Bank further solidified its management of all types of
risks during the year FY14 to support the needs of its various
business lines.
Global Deposits registered a growth of 20.1 %

(y-o-y) to Rs 5,68,894 crore by end March 14. Within
this, Domestic Deposits expanded by 10.9% to Rs
3,79,054 crore and Overseas Deposits rose by 43.6%
to Rs 1,89,840 crore.
Amidst aforementioned challenges, Your Banks CASA

Deposits increased by 22.19% (y-o-y) to Rs 1,46,488
crore.
Share of Domestic CASA as on 31st March 2014 stood

at 31.76%.
Global Advances increased by 21.0% (y-o-y) to Rs

3,97,006 crore by end-March 14. Within this, Domestic
Advances rose by 21.3% to Rs 2,72,169 crore and
Overseas Advances surged by 20.2% to Rs 1,24,837
crore.
Retail Credit of your Bank increased by 21.0% (y-o-y)

to Rs 46,019 crore during FY14, of which Home Loans
increased by 21.9% to Rs 19,558 crore.
Your Banks SME Credit portfolio increased by 21.2%

(y-o-y) to Rs 56,634 crore by end- March 2014. Farm
Credit increased by 2.8% and reached the level of
Rs 28,432 crore and Credit to Weaker Sections
increased by 20.9% to Rs 20,599 crore.
Your Banks Operating Profit stood at Rs 9,291 crore

(up 3.2%, y-o-y) and Net Profit at Rs 4,541 crore (up
1.3%, y-o-y) in FY14.
Return on Average Assets (ROAA) stood at 0.75%

in line with market expectations.
Despite capital infusion, Return on Equity (ROE) was

protected at 13.0% as on 31st March 2014.
Your Bank managed to protect its NIM at 2.87%

in Domestic Operations and at 2.36% in Global
Operations during FY14 despite sluggish credit
demand.
Given your Banks prudent approach, its Provision

Coverage Ratio consistently improved throughout the
year and stood at 65.45% as on 31st March 2014 much
higher in relative terms compared to its peers.
Your Banks Capital Strength gets reflected in its

Capital Adequacy ratios. Its CRAR (Basel II) was at
12.87% and Tier I capital at 9.54% as on 31st March
2014. Its CRAR (Basel III) was at 12.28%, Tier 1
Capital at 9.28% & Core Tier 1 Capital at 8.95% as on
31st March 2014.
Your Banks Cost-Income Ratio continued to be at a

relatively lower level of 43.44% for FY14.
While its Earning per Share stood at Rs 107.38, its

Book Value per Share stood at Rs 813.50.
In the year under review, your Bank reviewed its risk

management architecture to prepare for advanced
approaches under the Basel II framework. Your Bank applied
for moving to Foundation IRB approach (i.e. foundation
internal ratings based approach) of Credit Risk and received
approval from the RBI for a parallel run. For Market Risk, your
Bank has been developing a Global Mid Office in Mumbai,
which will facilitate a cost-efficient and more effective way
of measuring, monitoring and reporting the Market Risk
positions in its global operations as per the Internal Modelbased approach under the Basel II norms. In the area
of Operational Risk, your Bank is implementing the best
available solutions, which will enable the Bank to analyze
and control its Operational Risk in a more sophisticated and
effective manner. On implementation of the said Solution,
your Banks preparedness for the quantitative and qualitative
requirements of Advanced Measurement Approach for
Operational Risk will be fully met.
In order to rationalise Transfer Price Mechanism, your Bank
has initiated the process of switching over from the existing
manual procedure to a new system-based solution using
the software OFSAA V 6.X Module, which will make the
exercise more scientific and realistic.
You may be aware that in India, with effect from April 1, 2013,
Basel-III capital regulations have begun to be implemented.
Your Bank has already made all transitional arrangements
for a smoother transition to this new capital framework by
March 31, 2019.
Overseas Business
The overseas business of your Bank continued to contribute
significantly to its overall (global) business. Your Banks
wide-spread overseas presence provides it with significant
risk diversification benefits across the globe. Your Banks
large network of branches in overseas territories and its
continued thrust on overseas expansion helped exploit rich
business opportunities even during FY14. As of 31st March
2014, it had operations in 24 countries with 102 offices.
These 102 offices comprised of 60 overseas branches of
your Bank, 41 branches of its overseas subsidiaries and
one representative office. During the year under review,
your Bank opened three new branches/offices, i.e. an
Electronic Banking Unit at Shabiya, UAE and two branches
of the overseas subsidiaries at Kariakoo in Tanzania and
Kololo in Uganda.
Key Achievements in FY14
In spite of the challenging business environment, your Bank
ended the year under review with a strong set of results.
Awards & Accolades

During the year FY14, your Bank received several awards
13
2013-14
for its noteworthy performance across various business

and financial parameters. The major ones were as follows.
identified RACE AHEAD as its motto for the FY15. The

word RACE denotes the following:
R for - Retail Leaning
Best Public Sector Bank under the category Global

Business Development by Dun & Bradstreet Polaris
Financial Technology Banking Awards 2013.
Banking Technology Excellence Award 2013 among
PSBs by IDRBT.
Your Bank was awarded 1st Rank in the Public Sector
Bank Category in Financial Express-Ernst & Young
Best Banks Survey 2012-13 published in The Financial
Express Magazine March 2014 issue.
MSME Banking Excellence Award-2013 as the Best
Bank in MSME by the Chamber of Indian Micro Small
and Medium Enterprises.
The Sunday Standard Best Bankers Award Best
Banker-HR constituted by The New Indian Express
Group.
ASSOCHAM 9th Annual Banking Summit cum-Social
Banking Award 2013-Winner in Public Sector Banks
Category in the field of Social Banking.
Excellence in Home Loan Banking Award by My FM
Stars of the Industry.
The Global Excellence and Leadership Award in the
category of 50 most talented CSR Professionals of
India by the World CSR Congress.
These awards and recognition are particularly valuable,

as they acknowledge the merits of your Banks successful
business model that made a difference to the nations
progress.
Looking Forward
We expect Indias economic growth to revive during FY15 on
the back of political stability and likely stepping up of economic
reforms. The growth in FY15 is expected to be spurred by the
revival of investment, a boost to investment and consumer
sentiment, continuing gains in employment and incomes and
a firming in exports. With GDP growth expected to pick up,
banking business is likely to witness higher optimism during
FY15. According to Indias largest credit rating agency CRISIL
credit quality pressures are bottoming out for the Indian
banking industry, even though improvement will be gradual
due to continued economic uncertainties.
During FY14, Bank of Baroda made significant progress
towards building a preferred bank for its stakeholders. Despite
challenging environment, its earnings remained resilient; its
fresh slippages started easing and its strong funding position
enabled it to continue to support its borrowers.
During FY15, Bank of Baroda will continue to focus on further
strengthening its capital and funding position so as to grow
its business sustainably. Your Bank is confident that with its
strategic focus on people, processes and technology, it will
remain in the leadership position in the emerging business
environment.
Banks Corporate Goals and Strategy
Supported by its achievements during FY14, your Bank
has selected a motto that aptly described its commitment
to move ahead in the global banking space. The Bank has
14
A for - Asset Quality

C for Capacity Building
E for - Earnings
Your Bank believes that focusing on these four aspects
should help it in not only achieving a significant business
growth but also improve its profitability and soundness
indicators.
To strengthen the approach towards Retail Leaning, your
Bank will emphasize on aggressively canvassing low-cost
current and saving deposits plus retail term deposits as
against the high-cost bulk deposits. Simultaneously, the
focus will be on Retail Credit, MSME and Agriculture credit
to make the loan-book more diversified.
Similar to its efforts to improve Asset Quality management
in FY14, your Bank will focus on credit monitoring, NPA
recovery and up-gradation in a big way and further arrest
the fresh slippages.
Capacity Building is another area where your Bank has
been investing significantly. During FY14, your Bank opened
601 new Branches, installed 3,624 new ATMs, opened 45
e-Lobbies and provided a number of Bunch Note Acceptors,
Self-service Pass book Printers, etc. to its branches. Your
Bank also provided Note Counting Machines to almost all
its branches and strengthened the structure of Retail and
SME Loan Factories its innovative business model - in the
country. Your Bank will continue to give high priority to this
aspect during FY15 to make its processes more efficient
and customer service more prompt.
To respond to increasing competition and other challenges,
your Bank will make its business model more cost-efficient
and try to improve its Earnings through an optimum mix
of interest income and non-interest income. To achieve
this, it will constantly optimise the use of technology as the
change agent.
Additionally, your Bank proposes to launch Adarsh
Grameen Branches shortly. These branches will be
constructed by your Bank on its owned plot of land in
rural areas and will include branch premises, managers
residence and assembly areas. The assembly area will be
having audio-visual facilities to enable various activities like
agri-clinic, vocational education, medical camp etc. This
endeavour will not only provide your Bank to take forward
the mission of Financial Inclusion, but also generate a lot
of goodwill for your Bank.
With its intrinsic strengths in the form of capital, human
resources, technology and iconic brand, your Bank is well
positioned for growth during FY15.
We are encouraged by and grateful for the ongoing support
of all our shareholders. I solicit your continued cooperation
and patronage in future also.
S.S.Mundra
veesefme /
2013-14
Notice
yeQke Dee]@He ye[ewoe BANK OF BARODA

HeOeeve keeee&uee : ceeb[Jeer, ye[ewoe - 390 006
Head Office : Mandvi, Baroda 390 006
keeheexjs keeee&uee : ye[ewoe keeheexjs meWj, meer-26, peer yuee@ke,

yeebe keguee& keecheueskeme, yeebe (hetJe&), cegcyeF& - 400 051.
Corporate Office: Baroda Corporate Centre,C-26, G Block,

Bandra Kurla Complex, Bandra (East), MUMBAI 400 051
(Website: www.bankofbaroda.com)
Sleodeje metefele efkeee peelee nw efke yeQke Dee@]He ye[ewoe kes MesejOeejkeeW keer 18JeeR
Jeee|<eke meeceeve yew"ke mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej, mesJee meove,
er.heer.-1, SHe.heer. 549/1, peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[, DekeeseJe[esoje 390020 ceW yegOeJeej efo. 25 petve, 2014 kees heele 10.30 yepes Deeeesefpele
nesieer. FmeceW efvecveefueefKele keejesyeej mebeeefuele neWies
NOTICE is hereby given that the 18 th Annual General

Meeting of the Shareholders of Bank of Baroda will be held
on Wednesday, 25th June 2014 at 10.30 a.m. at Sir Sayajirao
Nagargriha, Vadodara Mahanagar Seva Sadan, T.P. - 1,
F.P. 549/1, Near GEB Colony, Old Padra Road, Akota,
Vadodara 390020, to transact the following business:
1. yeQke kee 31 ceee&, 2014 kes leguevehe$e, 31 ceee&, 2014 kees meceehle Je<e& kes
ueeYe-neefve uesKee, uesKeeW ceW meceeefnle DeJeefOe kes keee&efve<heeove leLee keee&keueeheeW
hej efveosMeke ceb[ue keer efjhees& Deewj legueve-he$e SJeb uesKeeW hej uesKee hejer#ekeeW
keer efjhees& hej efJeeej-efJeceMe&, Devegceesove Je FvnW mJeerkeej kejvee.
1.
To discuss, approve and adopt the Balance Sheet of the

Bank as at 31st March 2014, Profit and Loss Account for
the year ended 31st March, 2014, the report of the Board of
Directors on the working and activities of the Bank for the
period covered by the accounts and the Auditors Report
on the Balance Sheet and Accounts.
2.
To declare final dividend for the year 2013-14.
2. Je<e& 2013-14 kes efueS Debeflece ueeYeebMe keer Iees<eCee kejvee.

ke=les yeQke Dee@]he ye[ewoe
mLeeve : cegbyeF&
leejerKe : 13 ceF& 2014
Sme. Sme. cetbo[e

DeOe#e SJeb HeyebOe efveosMeke
For Bank of Baroda
Place : Mumbai
Date : 13th May 2014
S.S. Mundra
Chairman and Managing Director
efHHeefCeeeb / NOTES :
1.
Hee@kemeer keer efveegefkele
yew"ke ceW Yeeie uesves Deewj cele osves kes efueS hee$e MesejOeejke yew"ke ceW
Yeeie uesves Deewj cele osves kes efueS Deheves mLeeve hej hee@kemeer efveege kej
mekesiee / mekesieer (yeQke kes efkemeer DeefOekeejer DeLeJee kece&eejer kes
DeueeJee Deve kees) Deewj en DeeJeMeke vener nesiee efke efveege hee@kemeer
yeQke kee Mesej Oeejke nes. hee@kemeer kee keesF& Yeer efJeuesKe leYeer JewOe ceevee
peeSiee, peye Jen Jeee|<eke efjhees& kes meeLe Yespes ieS Heece& ``yeer'' ceW Yeje
ieee nes. Ge hee@kemeer leYeer heYeeJeer ceeveer peeSieer eefo en yew"ke keer
leejerKe mes kece mes kece 4 efove hetJe& DeLee&le MegeJeej, 20 petve, 2014
kees meebe 5.00 yepes leke ee Gmemes hetJe& yeQke Dee@]He ye[ewoe, kesJeeemeer
SC[ SSceSue efJeYeeie, 8Jeeb leue, metjpe hueepee-I, meeepeeriebpe, ye[ewoe
390005 eqmLele heOeeve keeee&uee ceW heehle nes peeSieer Deewj Fmekes
meeLe cegKleejveecee DeLeJee Deve heeefOekeej he$e keer heefle pees efke veesjer
heeqyueke DeLeJee ceefpem^s eje meleeefhele nes, Ge cegKleejveecee DeLeJee
Deve heeefOekeej he$e eefo hetJe& ceW yeQke ceW pecee Deewj hebpeerke=le ve efkeee
ieee nes, kees Yeer meeLe ceW Yespee peeSiee.
1.
Appointment of Proxy
A SHAREHOLDER ENTITLED TO ATTEND AND VOTE

AT THE MEETING IS ENTITLED TO APPOINT A PROXY
(OTHER THAN AN OFFICER OR AN EMPLOYEE OF
THE BANK) TO ATTEND AND VOTE INSTEAD OF
HIMSELF/HERSELF AND THE PROXY NEED NOT BE A
SHAREHOLDER OF THE BANK. No instrument of Proxy
shall be valid unless it is in Form B as annexed in the
Annual Report. The Proxy, in order to be effective, must be
received at Head Office situated at Bank of Baroda, KYC
& AML Department, 08th Floor, Suraj Plaza I, Sayajiganj,
Vadodara 390 005 not less than four days before the date
of meeting i.e. on or before the closing hours of the Bank
at 5.00 p.m. on Friday, 20th June 2014 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 other
authority certified as a true copy by a Notary Public or
a Magistrate unless such Power of Attorney or other
authority has been previously deposited and registered
with the Bank.
15
2013-14
2.
HeefleefveefOe keer efveegefkele
2.
Appointment of Representative:
keesF& Yeer Jeefe efkemeer kebheveer kes efJeefOeJele heefleefveefOe kes he ceW yew"ke ceW
Yeeie uesves DeLeJee Jees osves kes efueS leye leke hee$e veneR nesiee peye leke efke
Gmes Ske eLeeefJeefOe heeefOeke=le heefleefveefOe kes he ceW efveege kejves mebyebOeer
mebkeuhe keer Ske heefle, efpemes Gme yew"ke, efpemeceW en heeefjle efkeee ieee Lee,
kes DeOe#e eje Ske mele heefleefueefhe kes he ceW DeefYeheceeefCele ve efkeee ieee
nes, yew"ke keer leejerKe mes 4 efove hetJe& DeLee&le MegeJeej, efoveebke 20 petve,
2014 kees meebe 5.00 yepes ee Fmemes henues yeQke kes heOeeve keeee&uee ceW
Ghejese heles hej pecee ve kej efoee ieee nes.
No person shall be entitled to attend or vote at the meeting

as a duly authorized representative of a Company unless a
copy of the resolution appointing him as a duly authorized
representative, certified to be true copy by the Chairman
of the meeting at which it was passed shall have been
deposited at the Head Office of the Bank at the address
given above, not later than four days before the date of
meeting i.e. on or before the closing hours of the Bank at
5.00 p.m. on Friday, 20th June 2014.
3.
GHeefmLeefle - Heeea men HeJesMe He$e
3.
Attendance Slip-Cum Entry Pass:
MesejOeejkeeW keer megefJeOee nsleg Fme efjhees& kes meeLe GheeqmLeefle heeea men heJesMe
he$e mebueive nw. MesejOeejkeeW mes DevegjesOe nw efke GheeqmLeefle heeea Yejkej Deewj
GmeceW oMee&S ieS mLeeve hej Deheves nmlee#ej kejkes, Fmes yew"ke mLeue hej
meeQhe oW. MesejOeejkeeW kes hee@kemeer / heefleefveefOe kees GheeqmLeefle heeea hej
eLeeeqmLeefle ``hee@kemeer'' ee ``heefleefveefOe'' pewmeer Yeer eqmLeefle nes, Debefkele kejvee
eeefnS.
For convenience of the Shareholders, Attendance Slipcum-Entry Pass is annexed to this Notice. Shareholders
are requested to fill-in and affix their signatures at the space
provided therein so as to save time and hand over the same
at the venue of the Meeting. Proxy / Representative of the
shareholder should state on the attendance slip as "Proxy"
or "Representative", as the case may be.
4.
Closure of Register of Shareholders:
4.
MesejOeejke - jefpemj kee yebo nesvee
yeQke kes MesejOeejkeeW kee jefpemj leLee Mesej DeblejCe jefpemj 14 petve,
2014 mes 25 petve, 2014 leke (oesveeW efove meefnle) Jeee|<eke meeceeve yew"ke
leLee Je<e& 2013-14 kes Debeflece ueeYeebMe kee Yegieleeve kejves kes GsMe mes yebo
jnsiee.
The Register of Shareholders and Share Transfer Books

of the Bank will remain closed from 14th June 2014 to 25th
June 2014 (both days inclusive) for the purpose of Annual
General Meeting and for payment of final dividend 201314.
5.
ueeYeebMe kee Yegieleeve
5.
Payment of Dividend :
yeQke kes efveosMeke ceb[ue ves 13 ceF&, 2014 kees Deeeesefpele Deheveer yew"ke ceW
31 ceee&, 2014 kees meceehle efJeeere Je<e& kes efueS hetCe& heoe heleske .
10/- kes hetCe& heoe Mesej kes efueS . 10.50 (ome hees heeeme hewmes cee$e)
keer oj mes ueeYeebMe mebmlegle efkeee nw. efveosMeke ceb[ue eje mebmlegle leLee
18JeeR Jeee|<eke meeceeve yew"ke ceW Devegceesefole ueeYeebMe kee Yegieleeve efvecveevegmeej
efkeee peeSiee.
The Board of Directors of the Bank in its meeting held

on 13 th May 2014 has recommended final dividend
@Rs.10.50 (Rupees Ten and paise fifty only) per equity
share of Rs.10/- each fully paid up, for the financial year
ended 31st March 2014. Dividend as recommended by
the Board of Directors and approved at the 18th Annual
General Meeting will be paid as under:
a) To all beneficial owners in respect of shares held
in electronic form as per the data as may be made
available by the National Securities Depository
Limited (NSDL) and the Central Depository Services
(India) Limited (CDSL) as of the close of the business
hours on 13th June 2014.
ke) 13 petve, 2014 kees keejesyeej mecee keer meceeeqhle hej vesMeveue
efmekeetefjerpe ef[hee@efpejer efueefces[ (SveSme[erSue) Deewj meWûe
ef[hee@efpejer mee|Jemespe (Fbef[ee) efue. (meer[erSmeSue) eje GheueyOe
kejeS ieS Deebke[s kes Devegmeej Fueskeê@efveke he ceW Oeeefjle MesejeW kes
mebyebOe ceW meYeer ueeYeeLeea MesejOeejkeeW kees.
b) To all the members in respect of shares held in

physical form after giving effect to valid transfers in
respect of transfer requests lodged with the Bank /
Banks Registrar and Share Transfer Agent i.e. M/s
Karvy Computershare Private Limited, Hyderabad
(RTA) on or before the close of business hours on
13th June 2014.
Ke) 13 petve, 2014 kees keejesyeej mecee keer meceeeqhle kees ee Fmemes hetJe&
yeQke / yeQke kes jefpemêj Deewj Mesej DeblejCe SpeW DeLee&le cesmeme&
keeJeea kebhetjMesej hee. efue. nwojeyeeo (DeejerS) kes heeme ope&
Mesej nmleeblejCe DevegjesOe kes mebyebOe ceW JewOe nmleevlejCe heYeeJeer
kejves kes heeele Yeewefleke he ceW Oeeefjle MesejeW kes mebyebOe ceW meYeer
meomeeW kees.
ie)
6.
heles ceW heefjJele&ve / ueeYeebMe DeefOeosMe:

ke) Fueskeê@efveke he ceW Mesej jKeves Jeeues meomeeW kees Fmekes eje
metefele efkeee peelee nw efke Gvekes mebyebefOele ef[heeefpejer Keeles ceW
hebpeerke=le yeQke efJeJejCeeW kees yeQke eje ueeYeebMe kee Yegieleeve kejves kes
efueS Gheeesie ceW ueeee peeSiee. yeQke DeLeJee Fmekee jefpemêj Deewj
Mesej nmleeblejCe SpeW, Fueskeê@efveke he ceW Mesej jKeves Jeeues
16
c) The dividends will be distributed to the eligible

shareholders within 30 days from the date of the 18th
Annual General Meeting.
18JeeR Jeee|<eke meeceeve yew"ke keer leejerKe mes 30 efove kes Deboj hee$e
MesejOeejkeeW kees ueeYeebMe efJeleefjle efkeee peeSiee.
6.
Change of Address / Dividend Mandate :

a)
Members holding shares in electronic form are hereby

informed that bank particulars registered against
their respective depository account will be used by
the Bank for payment of dividend. The Bank or its
Registrar and Share Transfer Agent can not act on
any request received directly from the members
holding shares in electronic form for any change of

bank particulars or bank mandates. Such changes
are to be advised only to the Depository Participant
of the Members.
meomeeW kes meerOes ner heehle Ssmes efkemeer DevegjesOe hej keee&Jeener veneR
kejsiee pees yeQke efJeJejCeeW DeLeJee yeQke ceW[s mes mebyebefOele neWies. Ssmes
heefjJele&veeW keer metevee kesJeue meomeeW kes ef[hee@efpejer menYeeieer kees
ner oer peeveer eeefnS.
b) Members holding shares in physical form are

requested to advise any change of address
immediately to the Banks Registrar and Share
Transfer Agent, i.e. M/s Karvy Computershare Private
Limited, Hyderabad. Members holding shares in
electronic form must send the advice about change
in address to their respective Depository Participant
only and not to the Bank or Banks Registrar and
Share Transfer Agent.
Ke) Yeewefleke he ceW Mesej jKeves Jeeues meomeeW mes DevegjesOe nw efke eefo
Gvekes heles ceW keesF& heefjJele&ve nes lees Fmekeer metevee lelkeeue yeQke kes
jefpemêj Deewj Mesej nmleeblejCe SpeW DeLee&le cewmeme& keeJeea
kebhetjMesej hee.efue.nwojeyeeo kees oW. Fueskeê@efveke he ceW Mesej
jKevesJeeues meomeeW kees Deheves heles ceW efkemeer hekeej kes heefjJele&ve keer
metevee DeJeMe ner Deheves mebyebefOele ef[hee@efpejer menYeeieer kees osveer
eeefnS. yeQke DeLeJee yeQke kes jefpemêj Deewj Mesej nmleeblejCe SpeW
kees metevee osves keer DeeJeMekelee veneR nw.
ie)
meomeeW mes DevegjesOe nw efke Jes yeQke DeLeJee yeQke kes jefpemêj Deewj
Mesej nmleeblejCe SpeW kes meeLe efkemeer Yeer hekeej kes he$e-JeJenej
ceW Deheves mebyebefOele Heesefueees vebyej (Gvekes efueS, efpevekes heeme Mesej
Yeewefleke he ceW nw) Deewj Dehevee [erheer DeeF&[er/ieenke DeeF&[er vebyej
(Gvekes efueS, efpevekes heeme Mesej Fueskeê@efveke he ceW nQ) kee GuuesKe
DeJeMe kejW.
2013-14
c) Members are requested to invariably quote

their respective folio number/s (for those holding
shares in physical form) and their respective DP
Id / Client Id number (for those holding shares in
electronic/demat form) in any correspondence with
the Bank or Banks Registrar and Share Transfer
Agent.
7.
Consolidation of Folios:
7.

Heesefueees kee meceskeve

efpeve MesejOeejkeeW kes heeme Ske mes DeefOeke Keeles ceW Deheves mecehe veece mes
Mesej nQ, Gvemes DevegjesOe nw efke Jes jefpemêj SJeb DeblejCe SpeW kees Mesej
heceeCe-he$eeW kes meeLe Ssmes KeeleeW kes efueS uespej Heesefueees keer metevee oW leeefke
yeQke Ske Keeles ceW meYeer Oeeefjle MesejeW kee meceskeve kej mekes. he=ebkeve
mebyebOeer DeeJeMeke keej&JeeF& kejves kes yeeo meomeeW kees Mesej heceeCe he$e
eLeemecee ueewe efoS peeSbies..
The Members holding shares in physical form in identical

order of names in more than one account are requested to
intimate to the Banks Registrar and Share Transfer Agent,
the ledger folio of such accounts together with the share
certificates to enable them to consolidate all the holdings
into one account. The share certificates will be returned
to the members after making necessary endorsement in
due course.
8.

Yeewefleke he ceW Mesej Oeeefjlee kee DeYeeweflekeerkejCe

Yeewefleke he ceW Mesej jKevesJeeues MesejOeejke Deheveer Mesej Oeeefjlee kee
DeYeeweflekeerkejCe kej mekeles nQ, Fmekes efueS GvnW Deheves Gme mebyebefOele ef[hee@
efpejer menYeeieer mes mebheke& kejvee eeefnS peneb Gvekee Dehevee [erces Keelee nw.
8.
Dematerialization of Physical Holdings:
9.

DeblejCeeW kes efueS HemlegleerkejCe

Mesej heceeCe-he$eeW kees DeblejCe efJeuesKeeW kes meeLe yeQke kes jefpemêj SJeb Mesej
DeblejCe SpeW kes heeme efvecveefueefKele heles hej Yespee peevee eeefnS-
The Shareholders who are holding shares in physical mode

may convert their holdings in dematerialized form, for which
they may contact their respective Depository Participant,
where they maintain their respective de-mat account.
9.
Lodgments for Transfers:
cewmeme& keeJeea kecHetjMesej Hee.efue.

(FkeeF& : yeQke Dee@]He ye[ewoe)
Huee@ meb.17-24, efJeuejeJe veiej,
Fcespe ne@efmheue kes efveke, ceeOeeHegj, nwojeyeeo - 500 081
sueerHeesve : 040 2342 0815 mes 820, Hewkeme : 040 2342 0814
F&-cesue : einward.ris@karvy.com
Share Certificate along with transfer deed should be

forwarded to the Banks Registrar and Share Transfer
Agent at the following address.
M/s Karvy Computershare Private Ltd.,

(Unit :- Bank of Baroda)
Plot No. 17-24, Vithalrao Nagar,
Near Image Hospital, Madhapur, Hyderabad 500 081
Phone No. 040 2342 0815 to 820, Fax No. 040 2342 0814
E- mail : einward.ris@karvy.com
10. oeJee ve efkeS ieS Deoe ueeYeebMe, eefo keesF& nes

efpeve MesejOeejkeeW ves efheues Je<eeX kes Deheves ueeYeebMe he$eeW kee vekeoerkejCe ve
kejeee nes DeLeJee ueeYeebMe he$e GvnW heehle ve ngS neW, GvnW metefele efkeee
peelee nw efke Jes jefpemêj SJeb DeblejCe SpeW nwojeyeeo DeLeJee yeQke kes
efveJesMeke mesJeeSb efJeYeeie, cegbyeF& mes efvecveefueefKele heles hej meerOes mebheke& kejW :

efveJesMeke mesJeeSb efJeYeeie

yeQke Dee@]He ye[ewoe, leermejer cebefpeue, ye[ewoe keeheexjs meWj
meer-26, peer-yuee@ke, yeeve keguee& kee@cHeueskeme,
yeeve (HetJe&), cegbyeF& - 400 051
F&-cesue - investorservices@bankofbaroda.com
10. Unclaimed/Unpaid Dividend, if any:

The Shareholders who have not encashed their dividend

warrants for the previous years are advised to approach
the Banks Registrar and Share Transfer Agent at aforesaid
address or at Banks Investors Services Department at
Mumbai on the following address :
Investors Services Department

Bank of Baroda, 3rd Floor, Baroda Corporate Centre,
C-26, G-Block, Bandra Kurla Complex,
Bandra (E), Mumbai - 400 051.
E-mail - investorservices@bankofbaroda.com
17
2013-14
MesejOeejke ke=heee vees kej ueW efke yeQkekeejer kebheveer (GheeceeW kee Depe&ve
SJeb DeblejCe) DeefOeefveece,1970 ceW mebMeesOeve kes HeuemJehe yeQkekeejer kebheveer
(GheeceeW kee Depe&ve SJeb DeblejCe) leLee efJeeere mebmLeeve efJeefOe (mebMeesOeve)
DeefOeefveece, 2006 kes cesve]pej meeJe&peefveke #es$e kes yeQkeeW kes efueS en
DeefveJeee& nw efke Jes Ge DeefOeefveece ueeiet nesves kes HeuemJehe Yegieleeve nsleg /
oeJee nsleg Mes<e ueeYeebMe keer jeefMe leLee Ge DeefOeefveece ueeiet nesves kes yeeo
Ieesef<ele ueeYeebMe "Deoe ueeYeebMe Keeles" ceW Debleefjle kejW.
"Deoe ueeYeebMe Keeles" ceW Debleefjle jeefMe Deewj DeblejCe keer leejerKe mes meele
Je<e& keer DeJeefOe es DeoeJeeke=le /Deheoe jeefMe kees kebheveer DeefOeefveece,
1956/2013 keer Oeeje 205 (meer) keer Ghe Oeeje (I) kes Debleie&le mLeeefhele
efveJesMeke efMe#ee Deewj mebj#eCe efveefOe ceW Debleefjle efkeee peevee Dehesef#ele nw.
Fme jeefMe kee Gheeesie kebheveer DeefOeefveece, 1956/2013 keer Oeeje 205 meer
kes Debleie&le GequueefKele GsMe mes leLee eLeeefJeefOe efkeee peeSiee Deewj Gmekes
heeele Fme mebyebOe ceW Yegieleeve kes efueS keesF& oeJee yeQke kees ee efveefOe kees
hemlegle veneR efkeee peeSiee.
Shareholders are requested to carefully note that pursuant

to amendment in Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970 vide The Banking
Companies (Acquisition and Transfer of Undertakings)
And Financial Institutions Laws (Amendment) Act, 2006,
Public Sector Banks are required to transfer amount
remaining unpaid/unclaimed in dividend accounts of earlier
years on the commencement of the aforesaid Act, and
also dividend declared after the commencement of the
said Act, to Unpaid Dividend Account.
The amount transferred to the said Unpaid Dividend

Accounts and remaining unclaimed/unpaid for a period
of seven years from the date of transfer, is required to be
transferred to the Investors Education and Protection Fund
(IEPF) established under the relevant provisions of the
Companies Act, 1956/ 2013, which shall be used for the
purpose and in the manner specified in the Companies
Act, 1956/ 2013 and thereafter no claim for payment shall
lie in respect thereof to the Bank or the Fund.
11. meomeeW mes DevegjesOe
11. Request to Members:
ke=heee vees kejW efke Jeee|<eke meeceeve yew"ke ceW Jeee|<eke efjhees& keer heefleeeb
efJeleefjle veneR keer peeSbieer. Dele meomeeW mes DevegjesOe nw efke Jes yew"ke ceW
Jeee|<eke efjhees& keer heefle meeLe ueskej DeeSb.
Please note that copies of the Annual Report will not be

distributed at the Annual General Meeting and hence
members are requested to bring their copies of the Annual
Report at the meeting.
12. F&-Jeesefbie
12. E-Voting
yeQke kees Deheves MesejOeejkeeW kees F&-megefJeOee eoeve kejles ngS ye[er emeVelee nes
jner nw leeefke Jes Yeer Fueskeêefveke ceeOece mes veesefme ceW GefuuKele ceoeW hej
Dehevee Jees os mekeW. meYeer Mesej OeejkeeW kees mebes<eCe/veesefme Deueie mes Yespee
pee jne nw leeefke Jes F& Jeesefbie kes ceeOece mes Dehevee Jees os mekeW.
13. yew"ke ceW egveeJe

oesveeW keee&meteer ceoeW hej efJeeej efJeceMe& kejves kes yeeo, DeOe#e oesveeW ceoeW
kes mebyebOe ceW heesue kejeves kee DeeosMe oWies. egveeJe hee&Jes#ekeeW keer osKejsKe ceW
pees Fmeer keee& kes efueS efveege efkeS ieS nQ mebeeefuele kejeee peeSiee. egveeJe
kee meceeheve nesves kes yeeo DeOe#e yew"ke kees meceehle nesves keer Iees<eCee kej
mekeles nQ. egveeJe kes heefjCeece F&-Jeesefbie kes heefjCeece kes meeLe mecesefkele he
mes yeQke eje Deheveer JesyemeeF hej Ieesef<ele efkeS peeSbies meeLe ner me@ke
SkemeeWpeme& kees Yeer metefele efkeS peeSbies.
18
The Bank is pleased to provide e-voting facility to the

shareholders of the Bank to enable them to cast their
votes electronically on the items mentioned in the notice.
A separate communication / Notice is being sent to all the
shareholders to enable them to cast their votes through
e-voting.
13. Poll at the Meeting

After both the agenda items have been discussed, the

Chairman will order Poll in respect of both the items. Poll
will be conducted and supervised under Scrutinizers to
be appointed for the purpose. After conclusion of the
Poll, the Chairman may declare the meeting as closed.
The Results of the Poll aggregated with the results of
e-voting will be announced by the Bank in its website
and also informed to the stock exchanges.
2013-14
efveosMekeeW keer efjHees&
DeeHekes efveosMeke ieCe yeQke keer 106 Jeerb Jeeef<e&ke efjHees& kes meeLe 31 ceee&, 2014 kees
meceeHle Je<e& (efJeeere Je<e& 14) kes uesKee-Hejere#f ele legueve He$e, ueeYe-neefve uesKee Deewj
JeJemeee leLee Heefjeeueve mecyevOeer efjHees& men<e& emlegle kej jns nQ.
keee&efve<Heeove - GheueefyOeeeb
kegue keejesyeej (pecee SJeb Deefece) ye{kej ` 9,65,900 kejes[ nes ieee.
Fme ekeej Fvecesb 20.43 % (Je<e& oj Je<e&) keer Je=ef ngF&.
l mekeue ueeYe SJeb Meg ueeYe eceMe: ` 9,291 kejes[
SJeb ` 4,541 kejes[
f ngF.&
jne. Meg ueeYe cesb efHeues Je<e& keer leguevee cesb 1.35 % keer Je=e
l $e+Ce pecee DevegHeele efHeues Je<e& kes 82.03% keer leguevee cesb 86.15 % jne.
l Kegoje $e+Ceesb cesb 20.96 % keer Je=ef ngF& Deewj en efJeeere Je<e& 2014
cesb yeQke kes mekeue Iejsuet= $e+Ceesb kee 16.6 % jne.
l SceSmeSceF& $e+Ceesb cesb 21.21 % keer Je=ef ngF& Deewj en efJeeere Je<e&
2014 cesb yeQke kes mekeue Iejsuet= $e+Ceesb kee 20.3 % jne.
l efJeeere Je<e& 14 cesb JewefMJeke Heefjeeueveesb cesb Meg yeepe Deblej (SveDeeF&Sce)
yeepe Depe&ke Deeefmleeesb kes eefleMele kes He cesb 2.36 % SJeb Iejsuet=
Heefjeeueveesb cesb 2.87 % kes mlej Hej jne.
l Meg Deefeceesb cesb Meg iewj efve<Heeoke Deeefmleeeb 1.52 % jnerb peyeefke
efHeues Je<e& en 1.28% Leer.
l Hetp
b= eer Heee&Hlelee DevegHeele (meerSDeej) yeemesue II kes Devegmeej 12.87 % jne.
l Hetp
b= eer Heee&Hlelee DevegHeele (meerSDeej) yeemesue III kes Devegmeej 12.28 % jne.
l Meg ceeefueele megOej kej ` 34,933 kejes[ nes ieF&. Fmecesb 13.7 %
keer Je=ef ope& ngF&.
l Je<e& kes oewjeve yener cet=ue `729.11 mes ye{kej ` 813.50 nes ieee.
l Je<e& kes oewjeve eefle kece&eejer keejesyeej ` 1,689 ueeKe mes ye{kej
` 1,865 ueeKe nes ieee.
l
KeC[Jeej keee& efve<Heeove

efJeeere Je<e& 14 kes KeC[Jeej HeefjCeeceesb cesb jepekees<eere Heefjeeueve (^spejer) kee
eesieoeve ` 1,527.24 kejes[, kee@Hees&js nesuemesue yeQeEkeie kee (-) ` 461.11
kejes[, Kegoje yeQeEkeie kee ` 3,359.84 kejes[ leLee Deve yeQeEkeie Heefjeeueveesb
kee eesieoeve ` 2,458.02 kejes[ jne. DeeHekes yeQke ves ` 1,386.68 kejes[
kes iewj-Deeyebefle Kees& Ieeves Deewj kejesb kes efueS ` 956.23 kejes[ kee
eeJeOeeve kejves kes yeeo ` 4,541.08 kejes[ kee kej HeMeele ueeYe (HeerSer)
Deefpe&le efkeee.
ueeYeebMe
DeeHekes yeQke kes efveosMekeesb ves ` 10.50 eefle Mesej kee Debeflece ueeYeebMe emleeefJele
efkeee nw. Debeflece ueeYeebMe leLee peveJejer 2014 cesb Yegieleeve efkeS ieS ` 11
eefle Mesej kes Debleefjce ueeYeebMe kes meeLe 31 ceee&, 2014 kees meceeHle Je<e& kes
efueS kegue ueeYeebMe ` 21.5 eefle Mesej (` 10/- kes Debefkele cet=ue Hej) nw.
Fmecesb kej meefnle ueeYeebMe kes He cesb kegue Jee ` 1,083.68 kejes[ nesiee.
Het=bpeer Heee&Hlelee DevegHeele (meerSDeej)

DeeHekes yeQke kee Het=bpeer Heee&Hlelee DevegHeele keeHeer Dee nw SJeb 31 ceee&, 2014
kees en yeemesue II kes Debleie&le 12.87% leLee yeemesue III kes Debleie&le 12.28
% nw. Fmekes Deefleefjkele, yeemesue III esceJeke& kes Debleie&le DeeHekes yeQke kee
efej 1 DevegHeele 9.28 % leLee meeceeve FefkeJeer efej I 8.95 % Lee.
31 ceee&, 2014 kees DeeHekes yeQke keer Meg ceeefueele ` 34,933.06 kejes[ jner.
Fmecesb egkelee FefkeJeer Hetpb= eer ` 430.68 kejes[ Deewj eejef#ele efveefOe (Hegvecetu&= eebkeve
efveefOe kees es[kej) ` 34,502.38 kejes[ Meeefceue nw. ` 3,457.40 kejes[ keer
jeefMe Deefpe&le ueeYe cesb mes eejef#ele efveefOe cesb Debleefjle keer ieF&.
mesJeeefveJe=efle leLee Deve ueeYeesb kes efueS eeJeOeeve

efJeeere Je<e& 2014 kes oewjeve yeQke ves GHeoeve cesb DebMeoeve kes He cesb (` 100.72
kejes[ ), HesMb eve efveefOe kes He cesb (` 1,014.76 kejes[ ), DeJekeeMe vekeoerkejCe
kes He cesb (` 106.18 kejes[ ) leLee Deefleefjkele mesJeeefveJe=le ueeYe kes He cesb
(` 54.71 kejes[ ) keer jeefMe kee GHeee DeeOeej Hej eeJeOeeve efkeee nw. Fve eejesb
eseCf eeesb cesb eeJeOeeve keer kegue jeefMe efJeeere Je<e& 2014 kes oewjeve ` 1,276.37
kejes[ jner peyeefke efJeeere Je<e& 2013 kes oewjeve en eeJeOeeve jeefMe ` 1,205.63
kejes[ Leer. ceee& 2014 kes Deble cesb yeQke kes Heeme Fve Meer<ees kes lenle GheueyOe kegue
DeeOeejYetl= e efveefOe Fme ekeej Leer ` 1,532.62 kejes[] (GHeoeve), ` 7,893.50
kejes[ (HesMb eve efveefOe), ` 735.69 kejes[ (DeJekeeMe vekeoerkejCe) leLee ` 647.17
kejes[ (Deefleefjkele mesJeeefveJe=elf e ueeYe).
ecegKe efJeleere DevegHeele

efJeJejCe
Deewmele Deeefmleeesb Hej Deee (DeejDeesSS) (%)
efveefOeeesb keer Deewmele ueeiele (%)
Deewmele Deee (%)
Deewmele yeepe Depe&ke Deeefmleeeb (` kejes[ cesb)
Deewmele yeepe Jenve kejves Jeeueer oseleeSb (` kejes[ cesb)
Meg yeepe ceeefpe&ve (%)
ueeiele Deee DevegHeele (%)
eefle Mesej yener cet=ue (`)
F&HeerSme (`)
efJeeere Je<e& 14
0.75
5.37
7.68
5,07,082.68
5,02,176.05
2.36
43.44
813.50
107.38
efJeeere Je<e& 13
0.90
5.75
8.29
4,24,761.33
4,15,246.10
2.66
39.79
729.11
108.84
19
2013-14
eyebOeve efJeeej efJeceMe& Deewj efJeMues<eCe

efJeeere Je<e& 14 kee DeeefLe&ke HeefjJesMe Deewj efJeeere Je<e& 15 keer mecYeeJeveeSb
efJeeere Je<e& 2014 keer MegDeele Oeerces efJekeeme leLee lJeefjle Deeweesefieke mebkegeve
kes Deefleefjkele cege mHeerefle kes ye{ves, Hees kes cet=ue cesb DeefmLejlee, eeuet= Keeleesb
cesb Iees keer ye{eslejer meefnle efJeefJeOe oJeeyeesb Deewj eefleket=ue HeefjefmLeefleeesb kes meeLe
ngF&. efHej Yeer, pewmes pewmes meeue ye{lee ieee, efJeMes<e He mes leermejer efleceener
mes ueskej, yeenjer #es$eesb cesb efmLejlee, mHeerefle oyeeye cesb DeebefMeke menpelee leLee
Je=ef keer Deesj mekeejelceke mecYeeJeveeDeesb kes o={ mebkesle efceues.
ceF& 2013 kes leermejs meHleen kes oewjeve, et=Sme ves DeHeves DeeefLe&ke eeslmeenve
keer JeeHemeer keer mecYeeJeveeDeesb kes mebkesle efoS leLee Fmemes GYejleer yeepeej
efmLeefleeeb meeceeve He mes leLee Yeejleere efmLeefleeeb, efJeMes<e He mes, peneb
ve kesJeue efJeeere yeepeej leLee Deeefmleeesb kes cet=ue cesb lespeer mes efiejeJe
osKeer ieF& nw yeefuke cegemHeerefle cesb Yeer lespe efiejeJe osKeer ieF& nw, eYeeefJele
ngF&. Heee [e@uej efJeefvecee oj cesb Deiemle 2013 cesb ` 68.8 leke efjkee@[&
efiejeJe DeeF&. cege yeepeej Yeer 9.5 % keer kee@ue ceveer js kes eYeeJe mes
leLee mejkeejer yee@C[ GlHeeoesb keer meKleer mes oyeeye cesb Les. Fme eefleefeee
cesb, Yeejleere efj]peJe& yeQke (YeeefjyeQ) ves pegueeF& kes ceOe cesb efJeefvecee oj keer
DeefmLejlee kees jeskeves kes efueS Deveske veerefleiele keoce G"S leeefke meceef
DeeefLe&ke efmLejlee leLee Je=ef efvejblejlee kes peesefKece kees kece efkeee pee mekes.
efkeS ieS GHeeeesb cesb lespeer mes ye{les ceeefpe&veue msbeE[ie Hewmesefueer (SceSmeSHe)
oj kes keejCe Iejsuet= eue efveefOe kees efveebef$ele kejves, DeeT Heuees kees
egefkelemebiele yeveekej Goej yeee JeeefCeefpeke $e+Ceesb (F&meeryeer) kes ceeOece
mes SHe Skeme FveHeuees kees eeslmeeefnle kejvee Deewj efJeosMeer cege DeefveJeemeer
(yeQke) DeLeJee SHe meer Sve Deej (yeer) peceeDeesb kees eeslmeenve osvee Meeefceue
nw. Fmekes Deefleefjkele, mejkeej ves meesves Hej meercee Meguke ye{e efoee leLee
lesue Deewj Fmekes pewmes iewj pejer Deeeele cesb keewleer keer. yeee FveHeuees
kees Yeer ye{eJee efoee ieee. Fmekes HeuemJeHe, Heee lespeer mes ` 60.00
eefle et=Sme [e@uej kes mlej leke mecYeuee leLee 28 ceee&, 2014 kees Fmeves
59.9 eefle [e@uej keer TbeeF& kees gDee.
et=befke eejesb Deesj wHej kees meceeHle kejves Jeeueer DeefveefMeleleeSb yeveer jnerb
leLee Iejsuet= veerefle mecyebOeer Henueesb kes mekeejelceke eYeeJe He[s, Fmemes Hees
keer DeefmLejlee cesb cenlJeHet=Ce& keceer DeeF&. eeuet= Keeleesb cesb keceer (meerS[er) pees
DeefOeke DeeGHeuees kes keejCe DeHeveer ejce meercee Hej Leer Gmecesb Yeer efJeeere
Je<e& 13 keer leermejer efleceener cesb peer[erHeer kes 6.7% keer leguevee cesb efJeeere
Je<e& 14 keer leermejer efleceener cesb peer[erHeer kes 0.9% leke keceer DeeF& nw.
pewmes ner Yeejleere cege efmLej ngF&, Yeejleere efj]peJe& yeQke ves JeJeefmLele He
mes efmelecyej 2013 mes iewj HejcHejeiele efJeeere GHeee kejves eejcYe efkeS.
Fvecesb mes, ceeefpe&veue msbeE[ie megefJeOee (SceSmeSHe) pees 15 pegueeF&, 2013 kees
200 yeerHeerSme ye{kej 10.3% leke nes ieF& Leer, Jen 18 efomecyej, 2013
cesb Iekej 9.0% kes mlej Hej Dee ieF& Deewj efJeeere Je<e& keer meceeefHle Hej
en Fmeer mlej Hej yeveer jner.
Yet= mecHeoe #es$e cesb, Keeve leLee efvecee&Ce kes #es$e cesb eefceke mebkegeve kes keejCe
efJeeere Je<e& 2014 keer leermejer efleceener kes oewjeve JeemleefJeke peer[erHeer Je=ef
cesb efvejblej efiejeJe DeeF&. peyeefke Deeweesefieke leLee mesJee #es$eesb kes efueS Je=ef
mecyebOeer efebleeSb cenlJeHet=Ce& yeveer jner, efJeeere Je<e& 14 cesb Devegket=ue ceevemet=ve Je<ee&
ves ke=ef<e kes keee&efve<Heeove cesb megOeej efkeee. efHej Yeer, DeefOekelej Het=Jee&vegceeve
ueieeves Jeeueer efvepeer Spesbefmeeesb ves Het=js efJeeere Je<e& 14 kes efueS 4.6% mes 4.8%
kes yeQ[ keer Je=ef kee Devegceeve ueieeee nw.
20
efHeues keg Je<ees keer lejn, Het=js efJeeere Je<e& 14 kes oewjeve mHeerefle efJe<eeke
efmLeefle Yeejle cesb ecegKe cewees peesefKece kes He cesb jnerb. efJeeere Je<e& 14 kes
oewjeve Keee HeoeLees leLee FOeve keer cenbieeF& kes keejCe Deewmele meerHeerDeeF&
cegemHeerefle ueieYeie 9.5% jner. efJeeere Je<e& 14 kes efomecyej - peveJejer kes
oewjeve meypeer keer keerceleesb cesb megOeej Deeves leLee Fmeer lejn efJeleere Je<e& 14
cesb Devegket=ue ceevemet=ve leLee ke=ef<e GlHeeove Heefjo=Me kes yeeJepet=o Yeer Kegoje
mlej Hej Keee HeoeLees keer cenbieeF& Ge ner jner pees DeeHet=efle& ebKeuee keer
DekegMeuelee kees oMee&lee nw. Fmekes Deefleefjkele, efJeeere Je<e& 14 kes oewjeve
[erpeue cet=ue leLee efyepeueer Meguke cesb TOJe&cegKeer meceeeespeve ves Yeer meerHeerDeeF&
kees Yeer eYeeefJele efkeee.
mejkeej eje emlegle efkeee ieee efJeeere Je<e& 2015 kee Debleefjce yepe efJeeere
Je<e& 13 cesb peer[erHeer kes 4.9% kes cegkeeyeues, efJeeere Je<e& 14 cesb peer[erHeer kes
4.6% leLee Deeies efJeeere Je<e& 15 cesb peer[erHeer kes 4.1% jepekees<eere Iees kes
meeLe jepekees<eere mego={lee keer efvejblejlee kees oMee&lee nw. peyeefke efJeeere Je<e&
14 kes efueS jepemJe Je jepekees<eere Ieee oesvees kee mebMeesefOele Devegceeve yepeere
Devegceeveesb mes kece nw, Deee Jee kes uesKespeesKes mes, Devegoeve Hej Jee, yeepe
Yegieleeve leLee HesbMeve ves yepeere ue#eesb kees eYeeefJele efkeee leLee Fvekes eYeeJe
kees efveeueer eespeveeDeesb kes Kees& cesb meceeefnle kej efoee ieee.
Het=js efJeMJe cesb Debleje&êre cege kees<e meefnle DeefOekelej efvepeer leLee meeJe&peefveke
efJeeej cebeesb kee en efJeMJeeme nw efke Yeejleere DeLe&JeJemLee cesb efJeeere Je<e& 15
cesb megOeej nesiee leLee en efJeMJe DeLe&JeJemLee kees DeHes#eeke=le cepeyet=le yeveeves,
efveee&le eeflemHeOee& Deewj veerefleeesb cesb megOeej ueeves leLee efveJesMe kees ye{eJee osves
cesb meceLe& nesieer. peyeefke Ssmeer DeeMee keer pee jner nw efke meerHeerDeeF& cegemHeerefle
Yeejle kes efueS cenlJeHet=Ce& egveewleer nesieer, en efJeeere Je<e& 15 keer DeefOekeebMe
DeJeefOe kes oewjeve veeres kes mlej Hej yeveer jnveer eeefnS.
efJeeere Je<e& 14 cesb Yeejleere yeQeEkeie #es$e kee keee&efve<Heeove leLee efJeeere
Je<e& 15 keer mecYeeJeveeSb
Iejsuet= DeLe&JeJemLee leLee JewefMJeke Jemet=ueer cesb efiejeJe keer He=Yet=efce cesb efJeeere
Je<e& 14 cesb Yeejleere yeQeEkeie #es$e keer Je=ef Yeer oyeeye cesb yeveer jner. efJeeere Je<e&
13 kes cegkeeyeues pecee leLee $e+Ce Je=ef ceecet=ueer He mes Deer Leer. efJeeere
Je<e& 14 cesb Devegmet=efele JeeefCeefpeke yeQkeesb (Smemeeryeer) keer peceeDeesb cesb 14.6%
Je=ef ngF& pees efHeues efJeeere Je<e& keer Je=ef 14.2% mes ceecet=ueer He mes Deer
Leer. efHej Yeer, en Je=ef cegKele: DeefveJeemeer Yeejleereesb keer peceejeefMeeesb kes
yeejs cesb Yeejleere efj]peJe& yeQke eje DeHeveeF& ieF& Goej veerefle kes keejCe mecYeJe
ngF&. efJeeere Je<e& 14 cesb 14.3% keer Je=ef Yeer efJeeere Je<e& 13 kes 14.1%
keer leguevee cesb ceecet=ueer He mes Deer Leer.
efJeeere Je<e& 2014 keer ot=mejer efleceener kes oewjeve efJeefvecee yeepeej kes oyeeye kes
keejCe Yeejleere efj]peJe& yeQke kees efJeMes<e GHeee kejves He[s efpemekes HeefjCeecemJeHe
efmelecyej 2013 cesb peceeSb leLee $e+Ce oesveesb keer ojsb mego={ ngF&. efJeefvecee ojesb
cesb keceer kes oyeeye kes meeLe, Yeejleere efj]peJe& yeQke ves Fve GHeeeesb kees ejCeye
He cesb JeeHeme ues efueee, leLee Fmekeer eefleefeee mJeHe $e+Ce ojsb efJeeere Je<e&
14 keer ot=mejer ceener cesb keg kece ngF&. leLeeefHe, Mes<e DeJeefOe cesb, Je<e& kes oewjeve
GOeej ojsb meeceevele: efveMeue yeveer jnerb. et=befke cegemHeerefle kee mlej Ge
ner jne, yeQkeesb kees DeHeveer ceereeoer peceeDeesb Hej Deeke<e&ke yeepe oj emleeefJele
kejves kes efueS yeeOe nesvee He[e leeefke oselee He#e kees mebjef#ele efkeee pee mekes.
efveebef$ele $e+Ce keer ceebie kes meeLe pecee jeefMeeesb kes Ge Je ye{er ngF& ueeiele ves
yeQke keer Deee mebjevee kees kece kej efoee. efvejeMeepeveke meceef DeeefLe&ke
HeefjJesMe leLee GOeejkelee&Deesb keer Kejeye HegveYeg&ieleeve #ecelee kes keejCe Deeefmle

iegCeJeee efyeie[ ieF& leLee efJeeere Je<e& 14 kes oewjeve Hegveie&ef"le Deeefmleeesb keer
mebKee DeefOeke yeveer jner.
efHej Yeer, DeefOekelej efJeeere efJeMes<e%e leLee efJeMues<eke en ceeveles nQ efke
Yeejleere yeQeEkeie Geesie kee yegje mecee meceeHle nes ieee nw, keeeWefke efJeeere
Je<e& 15 kes oewjeve meceef DeeefLe&ke leLee jepeveerefleke ceeses& Hej mHelee
ye{sieer. Fmekes mekeejelceke He#e kees osKesb lees, lejuelee efmLej jnsieer, efJeeere
Je<e& 15 kes DeefOekelece Yeeie cesb cegemHeerefle kes kece nesves keer Gcceero nw leLee
Yeejleere efj]peJe& yeQke efkemeer Yeer ekeej keer DeefmLejlee kees efveebef$ele kejves
kes efueS Het=Ce&le: leweej nw. egveeJe HeMeele megOeejesb kes efueS mecYeeJeveeDeesb leLee
DeefOeke Jemet=ueer mes oyeeJeemle $e+Ceesb cesb efveeefcele keceer, kece efmueHespe leLee
DeefOeke Jemet=ueer nesveer eeefnS.
peesefKece eyevOeve
mLeeeer Deewj efvejblej efJekeeme megefveefMele kejves kes efueS DeeHekes yeQke ves Ske
JeJeefmLele peesefKece eCeeueer efJekeefmele keer nw leeefke yeQke eje Devegceeefvele
peesefKeceesb kee ueieeleej Deewj JeJeefmLele Deekeueve Je cee@veereEjie keer pee mekes.
en GuuesKeveere nw efke peesefKece eyevOeve eCeeefueeeb megefveefMele kejves keer
efpeccesoejer Deblele: yeQke kes efveosMeke ceC[ue Hej nw. Fmecesb peesefKece eJe=efle,
veerefle efveOee&jCe SJeb eYeeJeer cee@veereEjie Meeefceue nw. DeeHekes yeQke kes efveosMeke
ceC[ue eje Ske mego={ GeceJeeHeer peesefKece eyevOeve mJeHe efveOee&efjle efkeee
ieee efpememes efke peesefKece, yeQke kes efveosMeke ceC[ue eje HeefjYeeef<ele peesefKece
eJe=efleeesb kes DevegHe jns.
efveosMeke ceC[ue ves yeQke eje keefuHele mecemle peesefKeceesb Hej efveiejeveer jKeer
nw. efJeefYevve peesefKeceesb Hej efJeMes<e Oeeve kesbefle kejves kes efueS yees[& keer Ske
efJeefMe meefceefle kee ie"ve efkeee ieee nw. eleske ekeej kes peesefKece kes efueS
efveeb$eke HejsKee yeveeves kes eeespeve mes efveosMeke ceC[ue DeLeJee yees[& meefceefle
eje mecee - mecee Hej veerefleeeb Devegceesefole keer peeleer nQ. Fve veerefleeesb kes
oeejs cesb JeeJemeeefeke ieefleefJeefOeeeb mebeeefuele keer peeleer nQ.
efJeefYevve peesefKeceesb kes efveOee&jCe, cet=ueebkeve leLee eyevOeve keer eefeee meb#esHe
cesb efvecveevegmeej nw.
Deeefmle oselee eyevOeve(SSueSce)

DeeHekes yeQke kes Deeefmle oselee eyevOeve (SSueSce) kee ue#e veerefleHejke eespevee,
keeeeJeeve leLee efveeb$eCe eefeee pees cee$ee, efceeCe, HeefjHekeJelee, oj keer
mebJesoveMeeruelee, iegCeJeee leLee yeQke keer Deeefmleeesb Je oseleeDeesb keer lejuelee Hej
ueef#ele nw, efpemekes eje en megefveefMele efkeee peelee nw efke Fmekee eefleHeue
efueS ieS peesefKece kes mlej kes DevegHe nw.
SSueSce, Deeefmle oselee eyevOeve meefceefle (SSuemeerDees) kee keee& nw, Fme
meefceefle cesb ceneeyevOeke leLee keee&Heeueke efveosMeke Meeefceue nQ leLee Fmekee
vesle=lJe DeOe#e leLee eyevOe efveosMeke eje efkeee peelee nw. en yees[& ee/
DeLeJee SSueSce leLee peesefKece eyevOeve kes yees[& keer GHemeefceefle kes ceeie&oMe&ve
leLee Hee&Jes#eCe kes Debleie&le Heefjeeefuele nesleer nw. en meefceefle yeepe ojesb
kes Heefjo=Me, peceeDeesb Deewj $e+Ceesb kes GlHeeo cet=ueesb kes efveOee&jCe, Je=efMeerue
Deeefmle SJeb oseleeDeesb keer HeefjHekeJelee keer HejsKee, yeQke efveefOeeesb kes efueS
ceebie, yeQke kes vekeoer eJeen, ueeYe eespevee leLee mecHet=Ce& legueve He$e eyevOeve
keer meceer#ee kes efueS efceueleer nw. SSuemeerDees pecee Je Deefece GlHeeoesb keer
DeeOeej oj kee cet=ue efveOee&jCe kejves leLee DeeOeej oj kes mebMeesOeve keer
meueen yees[& kees meeQHeleer nw.
2013-14
DeeHekes yeQke cesb, lejuelee peesefKece oes o=efkeesCeesb mes ceeHee leLee cee@veerj efkeee
peelee nw, eJeen o=efkeesCe leLee me@ke o=efkeesCe. eJeen kes o=efkeesCe kees
lejuelee Deblejeue efmLeefle kes efueS Gelece meercee kes SJepe cesb owefveke DeeOeej
Hej mebjeveelceke lejuelee efJeJejCeer leweej kejkes efkeee peelee nw. Deeies lejuelee
keer iegCeJeee keer peebe me@ke Deeese kes efJeefYevve DevegHeeleesb Hej keee& kejkes keer
peeleer nw. me@ke Deeese keer Gelece meercee kes DevegHeeueve mes en megefveefMele
efkeee peelee nw efke yeQke ves DeHeveer lejuelee kee eyebOeve GHeegkele efJeefJeOeleeDeesb
kes ceeOece mes efkeee nw leLee Fmes efveOee&efjle meercee kes Deboj jKee pee jne
nw. Fmekes Deefleefjkele lejuelee keer efmLeefle kee Deekeueve HejJeleer& leerve ceen kes
efueS [eevesefceke DeeOeej Hej [eevesefceke Deblejeue efjHees& kes ceeOece mes eleske
HeKeJee[s cesb efkeee peelee nw.
cegeJeej yeepe oj peesefKece kee Deekeueve leLee cee@veereEjie HeejcHeefjke
Deblejeue Deeese leLee DeeJeefOeke Deblejeue Deeese oesveesb ceeOece mes keer
peeleer nw. SveDeeF&Sce yeepe oj keer ieefleefJeefOeeesb kes ueIeg DeJeefOe eYeeJe
kee efveOee&jCe peesefKece Hej Deee kes ceeOece mes efkeee peelee nw , Fmecesb
Deee Jee peesefKece, DeeOeej peesefKece leLee Deble:mLeeefHele efJekeuHe peesefKece
Yeer Meeefceue nQ. FefkeJeer kes yeepeej cet=ue Hej yeepe oj ieefleefJeefOeeesb kes
oerIe& keeefueke eYeeJe kee efveOee&jCe Yeer DeeJeefOeke Deblejeue Deeese kes ceeOece
mes efkeee peelee nw.
DeeOegefveke lekeveerke pewmes lejuelee peesefKece kes leveeJe keer peebe leLee yeepe oj
peesefKece, DevegkejCe, mebJesoveMeeruelee kee efJeMues<eCe Deeefo kee GHeeesie efJeefYevve
lejueleeDeesb leLee yeepe oj Heefjo=Meesb kes lenle Deekeefmcekelee efveefOeeve eespevee
leweej kejves kes efueS efvejblej Deblejeue Hej efkeee ieee. DeeHekes yeQke ves efJeefYevve
leveeJeHet=Ce& Heefjo=Meesb kes lenle DeHeveer lejuelee yeeOeleeDeesb kees Het=je kejves kes
efueS Deekeefmcekelee eespevee leweej keer nw.
DeeHekee yeQke Deesjskeue HeeeveebefMeeue meefJe&me SveeueeFefkeme SC[ SHueerkesMeve
(DeesSHeSmeSS) HuesHee@ce& keeeeefJele kejves keer eefeee cesb nw, pees yengcege
SSueSce, efveefOe DeblejCe cet=ue efveOee&jCe (SHeerHeer), leLee ueeYekeejer meceeOeeve
nw, pees mener met=evee Ske$e kejves leLee Gvekee Deekeueve kejves kes efueS efJemle=le
[ee eyevOeve #ecelee egkele nw. Deekeueve leLee efjHeeseE&ie t=ue kes Ske MeefkeleMeeueer
mecet=n kes meeLe, eYeeJeMeeueer lejuelee leLee yeepe oj eyevOeve kees megiece yeveeee
ieee nw, efpememes en mecYeeefJele efJeeueve kes efJe Deue& pevejs kejves leLee
jCeveerefleke efveCe&e uesves cesb meneeke yeve mekesb.
$e+Ce peesefKece
DeeHekes yeQke kee $e+Ce peesefKece eyevOeve efJemle=le SJeb megHeefjYeeef<ele $e+Ce veerefle
eje efveieefcele nw, pees yees[& eje Devegceesefole nw. Fmecesb $e+Ce mJeerke=efle eefeee
kes efueS JeJemeee kes meYeer #es$eesb leLee Gvekes meeLe peg[s ngS peesefKeceesb keer
peebe leLee Gvnsb kece kejves Jeeues meYeer efoMeeefveos&Me Meeefceue nQ. DeeHekes yeQke
kee efveosMeke ceC[ue $e+Ce peesefKece jCeveerefle kee meceLe&ve kejlee nw leLee
$e+Ce peesefKece veerefle kees Devegceesefole kejlee nw. es Debleje&êre Heefleeesb
kes DevegHe peesefKece uesves Jeeueesb Deewj veerefle yeveeves Jeeueesb kes yeere megmHe
Deblej efJeeceeve nw.
DeeHekes yeQke ves Ske mebjeveelceke leLee ceeveke $e+Ce Devegceesove eefeee yeveeF&
nw, efpemecesb JeeHeke $e+Ce cet=ueebkeve kes efueS megmebmLeeefHele eefeee leLee esef[
jseEie Meeefceue nQ. Fmeer ece cesb DeeHekes yeQke ves peesefKece DeeOeeefjle GOeej osves keer
eleeeesefpele Meefkeleeeb DeHeveeF& nQ efpemecesb kece peesefKece Jeeues emleeJeesb cesb $e+Ce
eoeve kejves keer Gelej efJeJeskeeOeerve Meefkeleeeb eoeve keer ieF& nQ. $e+Ce eefeee
cesb $e+Ce Devegceesove leLee mJeerke=efle HeMeele jseEie Ske cenlJeHet=Ce& keejke nw.
21
2013-14
DeeHekes yeQke ves Ske meblegefuele oes Deeeeceer esef[ eCeeueer DeHeveeF& nw pees eenke
jseEie leLee $e+Ce megefJeOee jseEie oesvees kees eoefMe&le kejleer nw. oes Deeeeceer eefeee
DeefOeke mebef#eHle leLee Devegket=ue nw leLee Fmecesb ieueleer keer mecYeeJevee (Heer[er) leLee
neefve kes keejke (Suepeer[er) ope& nesles nQ. Je<ees leke, DeeHekes yeQke ves Deebleefjke
jseEie cesb yengle DevegYeJe neefmeue efkeee nw leLee (meeKe jseEie mLeeveeblejCe)
esef[ jseEie ceeF&esMeve [ee Ske$e efkeee nw. Fme mego={ leweejer kes HeuemJeHe
nceejs yeQke ves Yeejleere efj]peJe& yeQke mes yeemesue II efveeceesb kes Debleie&le $e+Ce
peesefKece HeeGb[sMeve Fbjveue jseEie DeeOeeefjle o=efkeesCe (SHeDeeF&Deejyeer) cesb
ceeFes kejves nsleg DeeJesove efkeee nw. SHeDeeF&Deejyeer keeee&vJeeve DeeHekes
yeQke kees peesefKece DeeOeeefjle cet=ue efveOee&jCe, Hees&Heesefueees efvecee&Ce Deewj efjmke
efHekemesMeve SHeereF keer o=ef mes DeHeves JeJemeee kees Deewj DeefOeke JeJeefmLele
SJeb DeleeOegefveke lejerkes mes mebeeefuele kejves kes efueS leweej kejsiee.
DeeHekee yeQke Geesieesb cesb GYej kej meeceves Dee jns peesefKece keejkeesb kees Heneeveves
kes efueS Deeweesefieke DeOeeve kej jne nw. Fme Deeweesefieke %eeve cesb Heeru[
efJeefpe, eenkeesb kes meeLe yeeleeerle, meskej efJeefveeecekeesb leLee Geesie efJeMes<e%eesb
kee Yeer eesieoeve jnlee nw. Hees&Heesefueees cesb DeJeebefle mebkesbefle peesefKece mes
yeeeJe kes efueS, yeQke ves Geesieesb, #es$eesb Deewj GOeejkelee&Deesb Hej efJeJeskemeccele
meercee (et=[sbefMeeue kewHe) keer JeJemLee keer nw. keesHees&js DevegmevOeeve ke#e Yeer
#es$eJeej efJemle=le DeOeeve kejlee nw, Hees&Heesefueees ^sC[dme keer Heneeve kejlee
nw leLee efJeefYevve meeKe iegCeJelee mebkeslekeesb pewmes #es$eJeej SkemeHeespej, meeKe
kesverkejCe, jseEie efJelejCe leLee ceeFesMeve kees keJej kejles ngS Hees&Heesefueees
mlejere SceDeeF&Sme pevejs kejlee nw.
yeepeej peesefKece
yeepeej peesefKece yeepeej ojesb Deewj cet=ueesb cesb eefleket=ue HeefjJele&veesb kes keejCe
Depe&ve DeLeJee DeeefLe&ke cet=ue cesb nesves Jeeueer neefve kes He cesb neslee nw. yeepeej
peesefKece kes keejke efvecveefueefKele nes mekeles nQN
yeepeej oj peesefKece: eefleHeue keJe& cesb HeefjJele&veesb, $e+Ce mes[ Deewj yeepe
ojesb cesb DeefmLejlee mes Hewoe nesves Jeeues peesefKece.
cege efJeefvecee oj peesefKece: efJeefvecee ojesb cesb HeefjJele&ve Deewj yeepe ojesb
cesb DeefmLejlee kes keejCe Hewoe nesves Jeeues peesefKece.
FefkeJeer cet=ue peesefKece: FefkeJeer kes cet=ueesb, FefkeJeer mebkeslekeesb, FefkeJeer

yeemkes cesb HeefjJele&ve leLee me@ke ceekes& cesb DeefmLejlee kes keejCe Hewoe
nesves Jeeues peesefKece.
eEpemeesb keer keerceleesb cesb HeefjJele&ve Deewj DeefmLejlee kes keejCe Yeer yeepeej peesefKece
Hewoe nesles nQ. leLeeefHe DeeHekes yeQke kee eEpemeesb mes mecyeefvOele yeepeejesb cesb keesF&
SkemeHeespej venerb nw.
yeQke ves DeHeves ^spejer keeees kes efveeb$eCe Deewj Gvekeer efveiejeveer nsleg mHe veerefle
yeveeF& nw. Fve veerefleeesb cesb eyevOeve Heefleeesb, eefeeeDeesb, efJeJeske meccele $e+Ce
meerceeDeesb, meceer#ee eCeeueer Deewj efjHeeseE&ie Heefleeesb kee meceeJesMe nw. efJeeere
Deewj yeepeej efmLeefleeesb cesb HeefjJele&ve kes DevegHe Fve veerefleeesb keer efveeefcele
He mes meceer#ee keer peeleer nw.
yeepeej oj peesefKece kee Deekeueve yeepe oj DeefmLejlee Deekeueve efjHees& leLee
peesefKece Deee kes DeeOeej Hej efkeee peelee nw. Fmekes DeueeJee yeQke ceeefmeke
DeeOeej Hej DeJeefOe, mebMeesefOele DeJeefOe, efveJesMe Hees&Heesefueees kes peesefKece cet=ue,
efpemecesb mLeeeer Deee eefleYet=efleeeb, FefkeJeerpe leLee efJeosMeer cege HeespeerMeve
Meeefceue nw, keer ieCevee kejlee nw. yeQke, DeuHe DeJeefOe yeepe oj peesefKece
22
keer cee@veereEjie, Meg yeepe Deee (SveDeejDeeF&) leLee oerIe& DeJeefOe yeepe
peesefKece keer cee@veereEjie, FefkeJeer kes DeeefLe&ke cet=ue (F&JeerF&) kees Oeeve cesb
jKeles ngS kejlee nw. ^spejer kes mecyevOe cesb Jewuet= S efjmke keer ieCevee 99.0%
keebefHe[sbme uesJeue Hej 10 efove keer neseEu[ie DeJeefOe kes DeeOeej Hej keer peeleer
nw. DeefmLejlee efJeMues<eCe leLee FefkeJeerpe kes ceeOece mes efmLej yeepe efveJesMe
Hees&Heesefueees keer m^sme peebe HeefjefmLeefleiele efJeMues<eCe kes ceeOece mes efveeefcele
He mes keer peeleer nw.
Yeejleere efj]peJe& yeQke kes efoMeeefveos&Meesb kes DeeOeej Hej DeeHekes yeQke eje SefkeJeer
eYeeJe kes DeeefLe&ke cet=ue kee efleceener DeeOeej Hej Deekeueve Yeer efkeee peelee nw.
Heefjeeueve peesefKece
Heefjeeueve peesefKece kee leelHee& DeHeee&Hle DeLeJee DemeHeue Deebleefjke Heefjeeueve,
eefeee, ueesieesb leLee eCeeefueeesb DeLeJee yeenjer Iekeesb mes neefve kes keejCe nesves
Jeeuee peesefKece nw. Fmecesb efJeefOeke peesefKece Yeer Meeefceue nw, uesefkeve keee&veerefle
leLee eeflee mecyebOeer peesefKece Fmecesb Meeefceue venerb nQ. DeeHekes yeQke kes Heeme
iegCeelceke leLee cee$eelceke DeeJeMekeleeDeesb keer Het=efle& kes ceevekeerke=le o=efkeesCe
(erSmeS) leLee yesmeue II keer DeeJeMekeleeDeesb kes S[dJeebm[ cespejcesb Seese
(SSceS) kes efueS mego={ leLee JeeHeke Heefjeeueve peesefKece eyevOeve {ebee
(DeesDeejSceSHe) nw. DeeHekes yeQke keer Heefjeeueve peesefKece eyevOeve meefceefle
(DeesDeejScemeer) eefeeeDeesb cesb efveOee&jCe / mebMeesOeve kejkes, efveeb$eCe jKeleer
nw leLee Yet=efcekee Je GejoeefelJeesb kees efveOee&efjle kejleer nw leLee Heefjeeueve
peesefKeceesb Hej efveiejeveer jKeves SJeb Gvnsb efveeb$eCe cesb jKeves keer efpeccesoejer
efveYeeleer nw. DeeHekes yeQke kes Heeme leerve ueeF&ve Jeeueer j#ee eCeeueer Jeeueer cepeyet=le
Heefjeeueve peesefKece mebeeueve keee&eCeeueer nw pewmes JeJemeee ueeF&ve eyevOeve,
mJeleb$e keesHees&js Heefjeeueve peesefKece eyevOeve keee&eCeeueerleLee mJeleb$e efvejer#eCe
SJeb Debkes#eCe keee&eCeeueer pees en megefveefMele kejleer nw efke Fmekes Deebleefjke
efoMeeefveos&Meesb, veerefleeesb leLee eefeeeDeesb kee DevegHeeueve efkeee pee jne nw.
DeeHekee yeQke DeHeves Heefjeeueveesb, peesefKeceesb kees peeveves, ceeHeves, efveiejeveer jKeves
Je Gefele eyevOeve kejves kes efueS Gece mlej kee mJeeeefuele Jesye DeeOeeefjle
meesuet=Meve (SmeSpeer F&peerDeejmeer 5.1) mLeeefHele kejkes Ske DeleeOegefveke
eCeeueer keeee&efvJele kejves pee jne nw. en meesuet=Meve efJeeere Je<e& 15 keer ceener
meceeHle nesves mes Henues keeeeefJele nesves keer DeeMee nw. Fmekes Deefleefjkele, DeeHekee
yeQke Deeeespekeesb leLee kecHeveer kes FveerefMeeue FefkeJeer kewHeerue meymeeF&yej
cesb mes Ske nw pees Yeejle cesb yeQeEkeie Geesie kes efueS Heefjeeueve peesefKece neefve
[ee kee meneelee mecet=n (kebmeesjsefMeece) nw.
yesmeue III keeee&vJeeve

Het=js Yeejle cesb yesmeue III Het=bpeer efJeefveeeceke kee keeee&vJeeve efkeee ieee pees 1
Deewue 2013 mes eYeeJeer nw. Het=js yesmeue III kes megee HeefjJele&ve kes efueS, 31
ceee& 2019 leke Het=Ce& He mes keeee&vJeeve kejves kes efueS GHeegkele heejieceve
JeJemLeeSb GheueyOe kejeeer ieF& nQ. yesmeue III Het=bpeer efveeceesb cesb Het=bpeer Heee&Hlelee
DevegHeele (meerSDeej) kes Iekeesb Hej HeefjJeefOe&le ekeerkejCe keer DeeJeMekelee
nw, pees Deueie mes ekeeefMele efkeee ieee nw.
YeeefjyeQ eje peesefKece DeeOeeefjle Hee&Jes#eCe - (kewceume) Het=bpeer Heee&Hlelee,

Deeefmle iegCeJeee, eyebOe Depe&ve, eueefveefOe eCeeueer leLee efveeb$eCe cesb
yeoueeJe
yeQeEkeie JeJemeee cesb ye{leer ngF& keef"veeF&eesb leLee neue ner kes efJeeere mebkeesb mes
efueS ieS meyeke mes JewefMJeke efJeefveeecekeesb keer Het=Ce& He mes peebe leLee Hee&Jes#eke

yeQeceeke& keer OeejCeeSb meeceves DeeF& nQ. Fmecesb yeQeEkeie eCeeueer (yesmeue III) leLee
yeQke kees DeefOeke ueeeruee yeveeves kes efueS mebMeesefOele megPeeJe, eYeeJeMeeueer yeQke
Hee&Jes#eCe kes efueS mebMeesefOele cet=ueYet=le efmeeble, efJeeere mebieg kes Hee&Jes#eCe kes
veS efmeeble leLee Jemet=ueer kes efueS eespevee leLee JewefMJeke o=ef mes cenlJeHet=Ce&
yeQkeesb kee JeJeefmLele mebkeuHe Deeefo Meeefceue nw. GYejleer egveewefleeeW kee meecevee
kejves keer ef mes Fmes Deewj DeefOeke mego={ yeveeves kes ece cesb Yeejleere
efj]peJe& yeQke keer Jele&ceeve Hee&Jes#eCe eCeeueer leLee efeeeefJeefOe kes mlej hej Hegve:
meceeref#ele efkeS peeves keer DeeJeMekelee nw.
Fme o=ef mes, Yeejleere efj]peJe& yeQke ves peesefKece DeeOeeefjle Hee&Jes#eCe Hej
Ske DeJeOeejCee efJekeefmele keer nw pees Jele&ceeve leLee YeefJe<e oesveesb kes Jele&ceeve
DevegHeeueve DeeOeeefjle leLee mebJeJenej peebe Seese (kewceume) pewmes peesefKeceesb kes
cet=ueebkeve Hej Oeeve kesefvle kejsieer. Yeejleere yeQkeesb kes efueS Yeejleere efj]peJe&
yeQke eje leweej leLee emlegle efkeS ieS cee@[ue kee veece peesefKece leLee Het=bpeer
kes Deekeueve nsleg Hee&Jes#eCe keee&ece (SmeHeerSDeejmeer) leLee meceekeefuele
peesefKece leLee eYeeJekeejer mkeeseEjie (DeeF&DeejDeeF&Smemeer) cee@[ue Fmekes Iekeesb
cesb mes Ske cenlJeHet=Ce& Ieke nw.
DeejyeerSme kes lenle, yeQke keer DemeHeuelee keer mebYeeJevee leLee Fme DemeHeuelee
mes nesves Jeeues eYeeJeesb kee Deekeueve efkeee peelee nw. yeQke kes eje oes ee leerve
Je<e& kes Deblejeue cesb kesJeue Ske yeej cet=ueebefkele DeuHe peesefKece / eYeeJe eesHeeF&ue
kee efvejer#eCe Yeer efkeee peelee nw.
Yeejleere efj]peJe& yeQke ves ye{ jner meceer#eelceke efHHeefCeeesb kees Ske Hee&Jes#eCe
GHeee kes He cesb eegkele kejves kee emleeJe efkeee nw, efpemekes eje en efkemeer
GlHeeo efJeMes<e yeepeej ee #es$e kes Yeerlej peesefKece efveOee&efjle kejves keer HejcHeje
ee lJeefjle keee&Jeener/GHeee kejves kes efueS Heefle mlej Hej meceer#ee kejsiee.
Yeejleere efj]peJe& yeQke leLee yeQkeesb kes ceOe keejiej SJeb eYeeJeMeeueer mebes<eCe
megefveefMele kejves kes efueS Yeejleere efj]peJe& yeQke kes yeQeEkeie Hee&Jes#eCe efJeYeeie
([eryeerSme) cesb Jeefj Hee&Jes#eke eyebOeke (Sme Sme Sce) kes He cesb Ske
Skeue mecHeke& efyevog yeveeee ieee nw.
peneb kesceume yeQkeesb kes keee&efve<Heeove cet=ueebkeve kees keeee&efvJele kejlee nw,
Deej yeer Sme Ske yeQke keer DemeHeuelee leLee Fmekes eYeeJe kes meboYe& cesb Fmekee
efveOee&jCe kejsiee - 1) peesefKece pees yeQke ves Gpeeiej efkeee nw, 2) efveeb$eCe leLee
Meemeve keer leekele, 3) Gmekes mLeeve Hej DeesJej meeF& esceJeke& 4) GheueyOe
Het=bpeer. jseEie kes DeeOeej Hej, efkemeer yeQke efJeMes<e kees Gmekes eje cenmet=me efkeS
ieS meYeer peesefKeceesb kes meeLe-meeLe Gmekes cegKe peesefKece keer efoMeeDeesb/eJe=efe
leLee peesefKece keer iebYeerjlee kees kece kejves keer eespevee; megOeejelceke efveeb$eCe
keer DeeJeMekelee kees Meeefceue kejvee, Het=bpeer mebJeOe&ve leLee/DeLeJee Jele&ceeve
JeJemeee kes Hegveie&"ve kes yeejs cesb DeJeiele kejelee nw.DeejyeerSme kes lenle,
cet=ue yeQke keer cegKe mecet=n mebmLee mes GlHevve ngS mebYeeefJele peesefKece Hej Yeer
Oeeve kesefvle efkeee peeSiee.en vees efkeee peeS efke DeeHekee yeQke Deej yeer
Sme 2013 kes Debleie&le Hee&Jes#eCe kes eLece ee kes efueS egves ieS keg yeQkeesb cesb
Ske nw efpemeves DeHeveer mebJeeieer& cenee oMee&eer nw. DeeHekes yeQke kes Dee@He-meeF
leLee Dee@vemeeF oesveesb Hee&Jes#eCe efoS ieS mecee cesb meHeueleeHet=Je&ke Het=Ce& nes
ieS nQ.
$e+Ce efveiejeveer keee&

DeHeveer $e+Ce Deeefmleeesb keer iegCeJeee kees megefveefMele kejves kes efueS $e+Ce
efveiejeveer Ske Deefle cenlJeHet=Ce& GHeee nw. DeeHekes yeQke kes Heeme efJeefYevve
mlejesb Hej (MeeKee/#es$e/Debeue leLee kee@jHeesjs) $e+Ce Keeleesb keer peebe kes
2013-14
efueS megJeJeefmLele Heefle nw pees Deeefmleeesb keer iegCeJeee cesb efiejeJe kees
jeskeves Deewj $e+Ce Hees&Heesefueees keer iegCeJeee kees megOeejves nsleg mecee Hej
keee&Jeener kejleer nw.$e+Ce efveiejeveer kes efueS kee@jHeesjs mlej Hej ceneeyebOeke
keer osKejsKe cesb Deueie mes Ske efJeYeeie leLee Debeue Je #es$eere mlej Hej $e+Ce
efveiejeveer kes efueS efJeYeeieesb kee ie"ve efmelecyej 2008 mes efkeee ieee nw.
yeQke keer Iejsuet= $e+Ce veerefle kes efmueHespe kees jeskeves leLee MegDeeleer oewj cesb
meceeye lejerkes mes mebYeeefJele leLee JeJenee& iCe Keeleesb kes Hegveie&"ve
kes efueS DeeJeMeke keee&Jeener kejves kes GsMe mes meYeer Debeue, #es$eere
keeee&ueeesb cesb efmueHespe efveJeejke keee&oueesb (SmeHeererSHe) kee ie"ve efkeee
ieee nw. kee@jHeesjs mlej Hej $e+Ce efveiejeveer efJeYeeie kes cet=ue GsMe efvecve
ekeej efveOee&efjle efkeS ieS nQ :
DeejbefYeke DeJemLee cesb $e+Ce Keeleesb keer keefceeesb/mecYeeefJele et=keesb/MegDeeleer
iCelee kees Heneevevee.
$e+Ce Keeleesb/GOeej Keeleesb keer meeKe iegCeJeee cesb keceer Je Deeies #eefle jeskeves
kes efueS mecee Hej GHeegkele Je megOeejelceke keoce G"vee.
ke"sj DevegJeleer& keee&Jeener kes ceeOece mes Deeefmle Jeieer&kejCe SJe $e+Ce
jseEie cesb Deeves Jeeueer efiejeJe kees jeskevee.
$e+Ce Keeleesb kes Hegveie&"ve/Hegveefve&Oee&jCe/Hegveefve&eleve kejves kes meeLe meeLe

GHeegkele SJeb JeemleefJeke ceeceueesb cesb GOeejkelee& mes ceweEeie eesieoeve kej,
Debeue keeee&uee Je #es$eere keeee&uee mes mecHeke& mLeeefHele kej HegveefJe&le
eoeve kejvee.
Keeleesb keer meceer#ee SJeb efveece leLee Melees kes DevegHeeueve nsleg DeeJeMeke
keoce G"kej/efveeefcele He mes DevegJeleer& keee&Jeener kejkes yeQke kes $e+Ce
mebefJeYeeie keer iegCeJeee cesb megOeej ueevee.
Deeweesefieke leLee efJeeere Hegveefve&ceeCe yees[& (yeerDeeFSHeDeej) kes Debleie&le

Keeleesb keer eieefle Hej efveiejeveer jKevee.
Deefece Keeleesb keer ceeefmeke cee@veereEjie

DeeF&er efJeYeeie eje `10 kejes[ leLee Fmemes DeefOeke kes SHeyeer SveSHeyeer
(efveefOe DeeOeeefjle iewj efveefOe DeeOeeefjle) Deefece Keeleesb kes SkemeHeespej mes mebyebefOele
ceeefmeke cee@veereEjie efjHees& kes efueS Ske Dee@ve-ueeFve Jesye DeeOeeefjle mee@HeJesej
efJekeefmele efkeee ieee nw efpemekeer MegDeele peveJejer 2013 cesb keer ieF& leLee
Fmes mecee-mecee Hej DeHees[ efkeee peelee nw.
SceSceDeej Hej DeeOeeefjle, yeQke esef[ Hees& Heesefueees keer Deeefmle iegCeJeee cesb
megOeej kes efueS Ge cet=ue Deefece Keeleesb cesb efveece Je Melees kee DevegHeeueve,
DeefveeefceleleeDeesb kee efveJeejCe leLee Keeleesb keer MeerIeieeceer meceer#ee megefveefMele
kejves kes efueS DevegJeleer& keee&Jeener keer pee jner nw.
Deefece Keeleesb kee Hegveie&"ve

Deefece Deeefmleeesb keer iegCeJeee kees megOeejves kes efueS Jele&ceeve JeJemeee jCeveerefle
kes Ske Yeeie kes He cesb, yeQke keer DeleefOeke Kejeye Deefece Hees&Heesefueees keer
GeesieJeej leLee KeelesoejJeej efveeefcele DeeOeej Hej Hegve: peebe kej Hegef kejves
keer DeeJeMekelee nw leLee Fvekes Hegveie&"ve kes efueS pees Yeer lejerkee mener mecePee
peeS Gmeer ekeej mecegefele keee&Jeener keer peeS.
efJeeere Je<e& 2013-14 kes oewjeve, yeQke ves veeres oer ieF& meejCeer kes Devegmeej
efJeefYevve Deefece Keeleesb kee Hegveie&"ve efkeee nw.
23
2013-14
Deefece Keeleesb kee Hegveie&"ve (JewefMJeke) - 2013-14

Hegveie&ef"le ceeveke Deefece
Hegveie&ef"le DeJeceeveke Deefece
Hegveie&ef"le mebefoiOe Deefece
kegue
$e+efCeeesb keer mebKee

yekeeee jeefMe
yekeeee jeefMe
yekeeee jeefMe
yekeeee jeefMe
meer[erDeej leb$e
15
2,611.51
1
17.04
2
162.71
18
2,791.26
DeeefLe&ke Deemet=evee FkeeF&

Ske efJeMes<e%e DeeefLe&ke Deemet=evee FkeeF& (F&DeeF&et=) efpemekes DeOe#e cegKe
DeLe&Meem$eer nQ leLee en DeeHekes yeQke kes kee@jHeesjs keeee&uee cesb keee&jle
nQ, en efJeefYevve #es$eesb pewmes oerIe& DeeefLe&ke Het=Je&met=evee, veerefleHejke JeJemeee
Deeeespevee efveJesMeke mebyebOe, JeJemeee jCeveerefle efvecee&Ce, Deeefmle oselee eyebOeve
leLee Iejsuet= Je Debleje&êre efveeecekeesb leLee jseEie, Spesbefmeeesb kes meeLe efJeeej
efJeceMe& kejves cesb meneesie kejleer nw. en FkeeF& efveeefcele He mes Ge eyebOeve
Jeie& leLee yeQke keer efJeefYevve Heefjeeueve FkeeF&eesb kees mecee-mecee Hej ecegKe
#es$eesb cesb pewmes Deeweesefieke SJeb mebie"veelceke efJekeeme, cege mHeerefle, yeepe oj,
me@ke mebeeueve, $e+Ce efJemleej SJeb yeQeEkeie Geesie nsleg mebmeeOeve pegevee,
lejuelee SJeb efJeefvecee ojesb pewmes ecegKe #es$eesb kes mebyebOe cesb DeeJeefOeke He mes
peevekeejer eoeve kejleer nw.
JeeHeke DeeefLe&ke HenuegDeesb, kee@jHeesjs Deewj efJeeere #es$eesb keer veerefleeesb kes mebyebOe
cesb yesnlej mebyebOe eoeve kej DeeHekes yeQke keer DeeefLe&ke Deemet=evee FkeeF& Des
ekeej kes JeJemeee kes DeJemejesb kee DeefOekelece Heeeoe G"ves nsleg yeQke kes
eeemeesb Deewj yeepeej kes meceerkejCeesb kes efnmeeye mes DeHeves kees Devegket=ue yeveeves
cesb meneesie eoeve kejleer nw.
DeeefLe&ke Deemet= evee FkeeF& eje meeHleeefnke meceef DeeefLe&ke efJekeeme kees keJej
kejles ngS Ske meeHleeefnke vetp= e uesj (F&-ekeeMeve) ekeeefMele efkeee peelee nw,
efpememes veerelf eees,b JeweMf Jeke leLee Iejsuet= DeLe&JeJemLee kes o=e
f keesCe, efveJesMekees,b
yeQkeme&, efveeecekeesb jseE ie Speseb mf eeesb leLee yeepeej kes Deve Yeeieeroejesb kees DeHeves
mejeskeejesb mes DeJeiele kejeee pee mekes leLee DeHevee o=e
f keesCe Fvecesb yeebe pee mekes.
en FkeeF& DeeefLe&ke ieefleefJeefOeeesb kee meejebMe emlegle kejles ngS yeQke keer yeewefke
Meefkele kes He cesb keee& kejleer nw, efpemekes DeeOeej Hej YeefJe<e cesb meceke
keee&veerefleeeb efveOee&efjle nesleer nQ.
Deebleefjke efveeb$eCe leb$e

DeeHekes yeQke cesb Ske megJeJeefmLele kesvere efvejer#eCe leLee uesKee Hejer#ee efJeYeeie
(meerDeeF&S[er) nw pees yeQke keer eCeeefueeesb, veerefleeeW SJeb Heefleeesb keer DevegHeeuevee
kee Hejer#eCe kejlee nw. Yeejleere efj]peJe& yeQke Yeejle mejkeej, yeQke kee efveosMeke
ceb[ue leLee efveosMeke ceb[ue uesKee Hejer#ee meefceefle (Smeeryeer) leLee keee&Heeuekeesb
keer uesKee Hejer#ee meefceefle (SmeerF&) mes Deebleefjke efveeb$eCe mebyebOeer efJeefYevve cegesb
Hej eeHle ceeie&efveos&Me, yesnlej peesefKece eyebOeve keer o=ef mes DeeefLe&ke efveeb$eCe
leb$e kee Yeeie yeve ieS nQ.
24
SmeSceF& Hegveie&"ve
1,162
1,651.68
105
36.88
30
24.90
1,297
1,713.46
Deve
22,405
2,025.26
1,997
175.18
1,063
47.96
25,465
2,248.40
kegue
23,582
6,288.45
2,103
229.10
1,095
235.57
26,780
6,753.12
eefleJe<e& ye{les ngS keejesyeej kees Oeeve cesb jKeles ngS meerSDeeF&[er Deemevve
peesefKeceesb Hej eYeeJeer efveeb$eCe leb$e kes eje melele efveeb$eCe jKeves kee eeeme
kejlee nw leeefke yeQke kee efnle megjef#ele jns.
yeQke kes efveosMeke ceb[ue keer uesKee Hejer#ee meefceefle eje efveOee&efjle DeeJeefOekelee
kes Devegmeej 13 Debeue efvejer#eCe kesvesb eje MeeKeeDeesb/keeee&ueeesb kes efvejer#eCe
kes ceeOece mes meerSDeeF&[er DeHevee mebeeueve kejlee nw Deewj Deevleefjke efveeb$eCe
leb$e Deewj peesefKece eyebOeve kee Hejer#eCe kejlee nw.
efveosMeke ceb[ue keer uesKee Hejer#ee meefceefle yeQke kes Deebleefjke uesKee Hejer#ee keee&
keer osKejsKe kejleer nw. en meefceefle eYeeJeer Deebleefjke peesefKece DeeOeeefjle uesKee
Hejer#ee, mebieeceer uesKee Hejer#ee, DeeF&.Sme.uesKee Hejer#ee leLee Deve efvejer#eCe
Je uesKee Hejer#ee keeees kes eYeeJeer efJekeeme kes efueS ceeie&oMe&ve osleer nw efpememes
efke yeQke keer Deeefmleeeb megjef#ele jnsb. en meefceefle keee&Heeuekeesb keer uesKee
Hejer#ee meefceefle leLee yeQke keer efvejer#eCe SJeb uesKee Hejer#ee meefceefle eje efkeS
ieS keeees keer cee@veereEjie kejleer nw.
DeeHekes yeQke keer meYeer MeeKeeSb peesefKece DeeOeeefjle uesKee Hejer#ee (Deej yeer
DeeF& S) mes keJej nQ. efJeeere Je<e& 14 kes oewjeve kegue 3831 MeeKeeDeesb kee
efvejer#eCe efkeee ieee efpevecesb mes 2917 MeeKeeSb (76.14%) kece peesefKece cesb,
818 MeeKeeSb (21.35%) ceOece peesefKece cesb leLee 96 MeeKeeSb (2.51%)
Ge peesefKece esCeer cesb Leerb.
cegbyeF& cesb efmLele efvejer#eCe eYeeie kes Debleie&le DeeF&Sme uesKee Hejer#ee ke#e keee&jle
nw Deewj en Dee@He meeF efveiejeveer kee keee& kejlee nw.
DeeHekes yeQke ves efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie eje peejer efoMeeefveos&Meesb
kes DevegHe efvecveefueefKele kees keeee&efvJele efkeee nw:
kesvere efvejer#eCe SJeb uesKee eYeeie leLee Debeue uesKee Hejer#ee meefceefleeesb
kes keee& keer osKejsKe kes efueS ceee& 2013 mes keee&Heeueke uesKee Hejer#ee
meefceefle kee ie"ve efkeee ieee nw. Fmemes eCeeefueeesb, Heefleeesb SJeb
Deebleefjke ceeie&efveos&Meesb kes DevegHeeueve mlej Deewj DeefOeke cepeyet=le nesves
kes Gcceero nw.
efveosMeke ceb[ue keer uesKee Hejer#ee meefceefle eje efJeefOeJele Devegceesefole

mebieeceer uesKee Hejer#ee veerefle, cewvegDeue leLee mkeeseEjie Meer leLee peesefKece
DeeOeeefjle mebieeceer uesKee Hejer#ee kees efJeeere Je<e& 14 cesb meHeueleeHet=Je&ke
keeee&efvJele kej efoee ieee nw.

efJeeere Je<e& 14 keer 834 MeeKeeDeesb keer leguevee cesb Je<e& 2014-15 kes efueS
1002 MeeKeeDeesb keer mebieeceer uesKee Hejer#ee kejkes Fmekee keJejspe ye{e
efoee ieee nw. eefleMele kes He cesb 27.12.2013 kees Fve 1002 MeeKeeDeesb
cesb yeQke kes kegue JeJemeee cesb mes kegue peceeDeesb kee 82.02% leLee kegue
Deefeceesb kee 75.21% nw.
esef[ uesKee Hejer#ee Deye meer S DeeF& [er kes Debleie&le Ske efJeMes<e keee& kes He
cesb Heesef<ele keer pee jner nw leLee Fme veeer mebjevee kee megee Heefjeeueve pegueeF&
2013 mes eejbYe nes ieee nw. efJeeere Je<e& 14 kes oewjeve, `2,62,435 kejes[
keer efveefOe DeeOeeefjle SJeb iewj efveefOe DeeOeeefjle JeJemeee Jeeues 4335 Keeleesb
kes mebyebOe cesb esef[ uesKee Hejer#ee keer ieF& nw efpememes ye[er jeefMe kes $e+Ceesb kes
mebyebOe cesb DevegHeeueve kee Ge mlej megefveefMele efkeee ieee nw.
meb#esHe cesb, DeeHekes yeQke kee kesvere Deebleefjke uesKee Hejer#ee eYeeie
(efveeefcele DeeOeej Hej) efveOee&efjle veerefleeeb, efveos&Me leLee mJeeb kes efveosMeke
ceb[ue eje efoes ieS efoMee efveos&Me, efveeeceke Je Yeejle mejkeej eje
efveOee&efjle eCeeefueeesb Je Heefleeesb kes DevegHeeueve keer eYeeJeer cee@veereEjie
kej jne nw.
Heefjeeueve Je mesJeeSb
eenke kesefvle Henuesb
DeHeves owefveke Heefjeeueveesb cesb eYeeJeer eenke mesJee leLee eenke meblegef, yeQke kes
efueS meowJe eeLeefceke ue#e jns nQ. DeeHekee yeQke eenkeesb keer DeeJeMekeleeDeesb
Deewj meblegef kes eefle meowJe lelHej jne nw Deewj Gmekee en efJeMJeeme jne nw
efke eeweesefiekeer, eefeeeSb GlHeeo SJeb Fmekes ueesieesb kee nj ekeej kee keewMeue
DeHeves eenkeesb kees yesnlej yeQeEkeie DevegYeJe eoeve kejves kes efueS GHeeesie cesb
ueeee peevee eeefnS.
neue ner cesb DeeHekes yeQke ves DeHeveer MeeKeeDeesb cesb eenke mesJeeDeesb cesb megOeej nsleg
Deveske GHeee efkeS nQ leLee eenke efMekeeeleesb kes MeerIe meceeOeeve kes efueS
eenke efMekeeele efveJeejCe leb$e kees mego={ efkeee nw.
efJeeere Je<e& 2014 kes oewjeve eenke mesJee cesb megOeej nsleg efvecveefueefKele Deve
ecegKe GHeee efkeS ieS nQ1) efvecveefueefKele kes mebyebOe cesb Sme.Sce.Sme. Deue&;
i) efJeeere uesveosve DeLee&le
meYeer ewke JeeHemeer kes mebJeJenej, eens jeefMe efkeleveer Yeer nes.
vekeo GOeej Keeles cesb `1.00 ueeKe leLee Fmemes DeefOeke kes
uesveosve kes efueS.
DeeJeke meceeMeesOeve cesb emlegle efkeS ieS `100000/- leLee
Fmemes DeefOeke kes eskeesb kes efueS Sbêr uesJeue kes mlej Hej.
ii) iewj efJeeere uesve osve DeLee&le
DeeOeej oj cesb HeefjJele&ve kes keejCe $e+Ce Keeleesb cesb yeepe oj
cesb HeefjJele&ve
2013-14
MeeKeeDeesb kees Heece& 15 peer/15 Se Hej peceekelee& mes HeeJeleer jmeero eeHle
kejves nsleg efveos&Me efoS ieS nQ.
4) yesnlej eenke mesJee osves kes GsMe mes yeele Keelee eenkeesb kees `15000/leke leLee eeuet= Keelee eenkeesb kees `25000/- leke DeeHekes yeQke keer Gve
MeeKeeDeesb mes Dee@HeueeFve vekeo DeenjCe keer Devegceefle oer ieF& nw peneb
[ee mesbj keer vesJeke& kevesefkeefJeer GheueyOe venerb nw.
5) kewMe nQ[eEueie eYeejesb cesb mebMeesOeve : keemee peceeDeesb cesb Je=ef kejves leLee
Ge ceeefueele Jeeues eenkeesb kees DeeHekes yeQke keer Deesj Deekeef<e&le kejves kes
efueS kewMe nQ[eEueie eYeejesb kees jeefMe DeeOeeefjle eYeejesb mes Hewkes DeeOeeefjle
eYeejesb cesb mebMeesefOele kej kece kej efoee nw.
6) DeeHekes yeQke kes veS yeele pecee Keelee eenkeesb kees Ske mJeeiele efke
efpemecesb mJeeiele He$e, veesve Heme&veueeFp[ [sefye kee[& leLee Ske veesve
Heme&veueeFp[ eske yegke nesleer nw, GheueyOe kejeF& pee jner nw.
7) eenke yew"ke : DeOe#e leLee eyebOe efveosMeke kes efveos&Meve cesb Het=js osMe
cesb DeeHekes yeQke keer meYeer MeeKeeDeesb cesb Ske ner efove leLee Ske ner mecee
DeLee&le 15/7/2013 kees eenke yew"ke kee Deeeespeve efkeee ieee.
8) yeQeEkeie kees[dme leLee mwC[[& yees[& Dee@He Fbef[ee (yeermeerSmeyeerDeeF&) kees[
peeiekelee eenke yew"ke : DeeHekes yeQke kes eenkeesb cesb yeermeer SmeyeerDeeF&
kes kees[dme kes yeejs cesb peeiekelee Hewueeves kes ece cesb, eOeeve keeee&uee,
ye[ewoe eje 6 Deiemle, 2013 kees Ske eenke yew"ke kee Deeeespeve
efkeee ieee. Fme yew"ke keer DeOe#elee yeermeerSmeyeerDeeF& kes DeOe#e eje
keer ieF& leLee Fme yew"ke cesb yeQeEkeie Geesie kes efJeefYevve mebJeiees kes ueieYeie
150 eenkeesb ves Yeeie efueee.
9) eefo eenke eje DevegjesOe efkeee peelee nw lees Gmekeer Heeme yegke/ Keelee
efJeJejCeer leLee SHe [er Deej cesb veeefceefle kee veece cegefle kejves kes efueS
DeeHekes yeQke kes efmemce kees me#ece yeveeee ieee nw.
MeeKeeDeesb cesb eenke mesJee megOeejves kes eeeme

DeeHekes yeQke cesb MeeKee cesb eenke mesJee keer keJeeefueer kes efJe<ee cesb MeeKee
mlejere eenke mesJee meefceefle keer yew"keesb mes Heer[yewke eeHle efkeee peelee nw.
Fve meefceefleeesb keer eleske cenerves yew"kesb Deeeesefpele keer peeleer nQ Deewj Fvecesb
Jeefj veeieefjkeesb SJeb HesbMevejesb meefnle meceepe kes efJeefYevve Jeiees kes eenkeesb
kees Deecebef$ele efkeee peelee nw. yew"keesb cesb eeHle efJeeejesb/megPeeJeesb kee Deekeueve
kej mesJee iegCeJeee cesb megOeej nsleg Gvekeer mebYeeJelee kes Hejer#eCe nsleg mecegefele
DevegJeleer& keee&Jeener keer peeleer nw.
2) DeeHekes yeQke kes meYeer Hee$e eenkeesb kes efueS ceuerefmeer/Yeejle keer meYeer
MeeKeeDeesb cesb mececet=ue Hej ose ewke peejer kejvee.
3) Heece& 15 peer/15 Se keer HeeJeleer: er[erSme venerb kees peeves leLee Fme
mebyebOe cesb eenkeesb keer efMekeeelesb kece kejvee megefveefMele kejves kes efueS
efyenej, G[ermee SJeb PeejKeb[ Debeue, hevee ceW henueer ceefnuee MeeKee kes MegYeejbYe kes
DeJemej hej eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke
25
2013-14
DeeHekes yeQke kee Oeeve meYeer ef[ueerJejer ewveueesb kes ceeOece mes Glke= eenke
mesJee eoeve kejves Hej kesefvle nw Deewj eenke meblegef kes mlej cesb ye{esejer
kejves nsleg eeweesefiekeer kee GHeeesie kejles ngS F&-GlHeeo leLee JewkeefuHeke efJelejCe
eCeeefueeeb pewmes - SerSce/[sefye kee[&, HeerDeesSme (HeeF Dee@He mesue ceMeerve),
Fbjves yeQeEkeie, ceesyeeFue yeQeEkeie kes DevegHe nQ. efJeefYevve eefeeeDeesb leLee
Heefleeesb cesb megOeej kej meYeer ekeej kes eenkeesb kes efnleesb SJeb DeHes#eeDeesb kee
Oeeve jKee peelee nw.
kejleer nw pees 15 efove mes DeefOeke mecee mes HesbeE[ie nQ leLee yeQeEkeie ueeskeHeeue
eje Heeefjle DeJee[&me kes keeee&vJeeveesb keer meceer#ee Yeer kejleer nw.
eenke mesJee Hej mLeeeer meefceefle

DeeHekes yeQke ves eenke mesJee Hej Heefle SJeb keee&efve<Heeove uesKee
Hejer#ee mecyebOeer mLeeeer meefceefle kee ie"ve efkeee nw efpemecesb yeQke kes leerve
keee&Heeueke efveosMeke Deewj eej ceneeyebOekeesb kes DeueeJee leerve eefleef
le peve eefleefveefOe Meeefceue efkeS ieS nQ Deewj en DeeHekes yeQke cesb eeefuele
eCeeefueeesb SJeb Heefleeesb keer meceer#ee kejleer nw leLee eefceke DeeOeej Hej
DeeJeMeke megOeejelceke GHeee kejleer nw.
yeQke kes eOeeve keeee&uee eje efleceener DeeOeej Hej #es$eere keeee&ueeesb mes
MeeKee mlejere eenke mesJee meefceefle keer yew"keesb mes megPeeJe eeHle efkeS peeles nQ
Deewj Gvnsb eenke mesJeeDeesb mebyebOeer eCeeefueeesb SJeb Heefleeesb keer uesKee Hejer#ee
keer mLeeeer meefceefle kes mece#e emlegle efkeee peelee nw.
eenke kesefvle Henuesb SJeb efMekeeele efveJeejCe

hetJeea Debeue keesuekeelee ceW Deeeesefpele eenke yew"ke ceW eeefvele eenkeeW kes meeLe
eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke
DevegHeeueve
DeeHekee yeQke Yeejleere yeQeEkeie kees[dme SJeb mwC[[& (yeermeerSmeyeerDeeF&) kee
meome nw Deewj Fmeves yeermeerSmeyeerDeeF& eje efveOee&efjle eenkeesb kes eefle
eefleyelee mebefnlee kees DeHeveeee nw. Fmeves ceeFees SJeb ueIeg Geefceeesb
kes eefle yeQke keer eefleyelee mebefnlee kees Yeer DeHeveeee nw. Fvnsb yeQke keer
JesyemeeF Hej eoefMe&le efkeee ieee nw Deewj eenkeesb kees yeQke MeeKeeDeesb kes
ceeOece mes Yeer GheueyOe kejeee ieee nw. eenkeesb cesb mebefnlee kes yeejs cesb
peeiekelee GlHevve kejves leLee Fmecesb Je=ef kejves kes efueS DeeHekes yeQke
keer JesyemeeF www.bankofbaroda.com / www.bcsbi.org.in Hej
mebosMe Deelee nw. DeefOeke peevekeejer kes efueS yeele pecee keer Heemeyegke kes
keJej Hespe kes Devoj, Keeleesb keer efJeJejCeer cesb Ske Hegvees leLee SerSce
ceMeerveesb keer meerve Hej Yeer Fmes eoefMe&le efkeee ieee nw.
efveosMeke ceb[ue keer eenke mesJee meefceefle :

DeeHekes yeQke cesb 31 ceee&, 2014 kes Devegmeej DeOe#e SJeb eyebOe efveosMeke keer
DeOe#elee cesb efvecveefueefKele meomeesb keer efveosMeke ceb[ue eenke mesJee keer
GHemeefceefle ieef"le keer ieF& nw 1. eer Sme.Sme.cet=bo[e
2. eer efHe.eerefveJeeme
keee&Heeueke efveosMeke
3. eer yeer.yeer.peesMeer
4. eer jbpeve OeJeve
5 eer ceewefueve DejefJevo Jew<CeJe
efveosMeke
GHe meefceefle, veerefle efveOee&jCe leLee Gvekes DevegHeeueve mes mebyebefOele cegesb kees
osKeleer nw efpememes eenke mesJee keer iegCeJeee cesb melele megOeej neslee nw. en
ce=leke peceekelee&Deesb/uee@kej efkejeSoejesb/mesHe kem[er cesb jKeves Jeeues meeceeve
kes peceekelee&Deesb kes mebyebOe cesb efveHeeve nsleg Gve oeJeesb keer efmLeefle keer cee@veereEjie
26
DeeHekes yeQke ves efveosMeke ceb[ue eje Devegceesefole eenke efMekeeele efveJeejCe
veerefle leLee Ske megmebieef"le eenke efMekeeele efveJeejCe leb$e leweej efkeee
nw. DeeHekes yeQke mes mebyebefOele eenke efMekeeeleesb kes mebyebOe cesb Heefjeeueve
SJeb mesJeeSb efJeYeeie kes ceneeyebOeke kees vees[ue DeefOekeejer yeveeee ieee nw.
Debeue leLee #es$eere mlejesb Hej mebyebefOele #es$eere Je Debeue ecegKe vees[ue
DeefOekeejer yeveeS ieS nQ. Fmemes Deeies, meYeer vees[ue DeefOekeeefjeesb kes
veece leLee Gvekes mecHeke& vecyejesb kees DeeHekes yeQke keer meYeer MeeKeeDeesb cesb
eoefMe&le efkeee ieee nw.
eleske efleceener cesb DeeHekes yeQke eje eenkeesb mes eeHle efMekeeeleesb keer
efmLeefle kes yeejs cesb efveosMeke ceb[ue kes mece#e eenke efMekeeeleesb Je
mecemeeDeesb kes efveJeejCe kes yeejs cesb Ske efleceener meceer#ee vees emlegle
efkeee peelee nw.
eenkeesb keer efMekeeeleesb kees kece kejves SJeb yeeOeejefnle eenke mesJee
megefveefMele kejves keer o=ef mes eenkeesb mes eeHle efMekeeeleesb kee ceeefmeke
DeeOeej Hej efJeMues<eCe efkeee peelee nw leLee keer ieF& keee&Jeener/keejCeesb
kees mecemle Debeue leLee #es$eere ecegKeesb kees GHeeejelceke GHeee kejves
nsleg Yespee peelee nw efpememes YeefJe<e cesb Fme ekeej keer efMekeeeleesb keer
HegvejeJe=efe ve nes.
DeeHekes yeQke kes Heeme ceevekeerke=le efMekeeele efveJeejCe eCeeueer

(SmeHeerpeerDeejSme) veeceke Jesye DeeOeeefjle Dee@veueeFve efMekeeele HebpeerkejCe
leLee efveJeejCe eCeeueer nw. DeeHekes yeQke keer JesyemeeF kes nesceHespe Hej Ske
DeeFkeve GheueyOe kejeee ieee nw, efpemekes ceeOece mes DeeHekes yeQke kes
eenke DeHeveer efMekeeele Dee@veueeFve ope& kej mekeles nQ. en eCeeueer ve
kesJeue efMekeeeleesb kes MeerIe efveJeejCe cesb meneeke nw yeefuke en DeeHekes
yeQke kees mecemle efMekeeeleesb kee kesvereke=le [seyesme yeveeS jKeves cesb Yeer
me#ece yeveelee nw.
DeYeer neue ner cesb, Sme.Heer.peer.Deej.Sme. cesb megOeej kejkes, DeeHekes yeQke
ves iewj-eenkeesb kees Yeer efMekeeele megPeeJe ope& kejves keer megefJeOee GheueyOe
kejeF& nw. Fmekes Deefleefjkele, DeeHekes yeQke kes eenke eefo efMekeeele kes
efveJeejCe mes mebleg venerb nesles nQ, lees 15 efoveesb kes Yeerlej DeHeveer efMekeeele
kees Hegve: Keesue mekeles nQ.
He cesb nceejer 1800 mes DeefOeke MeeKeeDeesb cesb lelkeeue peebe He[leeue
nsleg mebegkele je^ megj#ee efJeefveeceeJeueer (UNSCR) mes eeHle veeceesb
keer met=eer GheueyOe nw.
kesJeeF&meer - S.Sce.Sue - meer SHe er kes efueS eCeeueer

DeHeves eenke kees peeefveS (kesJeeF&meer) ceeveob[/Sber ceveerueebeE[îe (S Sce Sue)
ceeveob[/DeelebkeJeeo kes efJeeHees<eCe keer jeskeLeece (meerSHeer) GHeee SJeb
HeerSceSueS, 2002 kes Debleie&le yeQke kes oeefelJe DeeHekes yeQke kes Heeme yees[& eje Devegceesefole kesJeeF&meer - S SceSue meer SHe er
veerefle nw. en veerefle yeQke kes kesJeeF&meer ceeveob[esb, SSceSue ceevekeesb, meer SHe er
GHeeeesb leLee eerJesbMeve Dee@He ceveer ueebeE[îe Ske (HeerSceSueS) kes Debleie&le yeQke
kes oeefelJeesb kes keeee&vJeeve kee DeeOeej nw. yeQke ves efveeecekeesb kes efveos&Meesb kes
DeeOeej Hej Heefjeeefuele FkeeF&eesb kes efueS kesJeeF&meer S Sce Sue meer SHe er mes
mebyebefOele ceeceueesb Hej efoMeeefveos&Me peejer efkeS nQ.
DeeHekes yeQke cesb kesJeeF&meer - SSceSue - meerSHeer keeee&vJeeve keer cegKe
efJeMes<eleeSb Fme ekeej nQ :
yeQke efJeeere DevegmebOeeve FkeeF& Yeejle (SHeDeeF& et= - DeeF& Sve[er)
kees Fuewkeêefveke He cesb Yespeves kes efueS Fuewkeêefveke lejerkes mes
vekeo uesve osve efjHeeses (meer er Deej) kees pevejs kejlee nw.
efmemce DeeOeeefjle Sueme& pevejs kejves kes efueS SSceSue

meesuet=Meve mLeeefHele kej ueeiet= kej efoee ieee nw. DeeF& yeer S kes
keee& oue keer mebmlegefle kes DeeOeej Hej Fmecesb Deewj DeefOeke Sue&
efveOee&efjle kejkes Fmekees Deeies Deewj DeefOeke JeeHeke yeveeves keer
iegbpeeF&Me nw.
mebosnemHeo uesve osveesb kee Helee ueieeves kes efueS Deewj efjHeeses (Sme
er Deej) kees efJeeere DevegmebOeeve FkeeF& (SHe DeeF& et=) kees esef<ele
kejves nsleg efmemce DeeOeeefjle JeJemLee nw.
yeQke kes eenkeesb kes Keeleesb kee eleske ceener cesb efmemce DeeOeeefjle
peesefKece Jeieer&kejCe (S Sce Sue GHeeeesb mes) efkeee ieee nw.
yeQke, SHe DeeF& et= - DeeF& Sve [er, veF& efouueer kees peeueer kejsbmeer
veesesb keer efjHees& (meermeerDeej) esef<ele kejlee nw.
yeQke SHe DeeF& et= - DeeF& Sve [er kees iewj ueeYekeejer mebie"veesb kes
uesveosve kes yeejs cesb efjHees& (Sve er Deej) emlegle kejlee nw.
yeQke Yeejleere efj]peJe& yeQke kes efoMeeefveos&Meesb kes Devegmeej DeHeves mecemle
Jele&ceeve eenkeesb kees efJeefMe eenke Heneeve kees[ (et=meerDeeFmeer)
Deeyebefle kejves kes efueS eefeeeOeerve nw.
yeQke ves 1.32 kejes[ efveef<ee kemcej DeeF&[erpe kees efmemce mes
ne efoee nw.
ceveer ueebeE[îe kees keeyet= kejves kes efueS Ske ye[s keoce kes He cesb Sve
Sme [er Sue mes Hesve kee[& (PAN) kee Dee@veueeFve meleeHeve kejves
kes keee& kees Heefjeeefuele efkeee ieee nw.
meeryeerSme efmemce cesb Yeer Fme ekeej GHeegkele He mes megOeej efkeee
ieee nw efpememes Jen Hesve (PAN) Heece& 60/61 keer DevegHeefmLeefle cesb
`50000/- leLee Fmemes DeefOeke keer vekeoer kees mJeerkeej venerb kejs.
yeQke Yeejleere efJeefMe< Heneeve eeefOekejCe (UIDAI) kes meneesie

mes F&-kesJeeemeer kees ueeiet= kejves kes Debeflece ejCe cesb nw.
DeeblekeJeeo mes efJeeHees<eCe keer jeskeLeece (meerSHeer) kes GHeeeesb kes
2013-14
DeHeves eenke kees peeefveS DeLee&le kesJeeemeer kes Het=Ce&leee DevegHeeueve nsleg
meHe meome leLee eenkeesb kees efMeef#ele kejves kes GsMe mes yeQke eje
efvecveefueefKele GHeee efkeS ieS nQ.
eenkeesb keer megefJeOee kes efueS yeQke keer JesyemeeF (www.
bankofbaroda.com) Hej kesJeeemeer omleeJespeesb keer efJemle=le
met=eer oer ieF& nw.
eenkeesb kes Keeleesb cesb kesJeeemeer [ee Deeleve kejves kes efueS ceesyeeFue
DeeOeeefjle SmeSceSme Yespes ieS nQ leLee mLeeveere jeêre owefveke
meceeeejHe$eesb cesb veesefme efoS ieS nQ.
meHe meomeesb kees efMeef#ele kejves kes efueS kesJeeemeer SSceSue

meerSHeer efMe#ee kes mebyebOe cesb meboYe& meeceeer GheueyOe kejJeeves kes
efueS yeQke kes Fbêves Hej kesJeeemeer SSceSue He= me=efpele efkeee
ieee nw.
yeQke kes eefMe#eCe mebmLeeveesb cesb kesJeeemeer SSceSue meerSHeer

efoMeeefveos&Meesb Hej efveeefcele eefMe#eCe me$e eueeS peeles nQ.
yeQke kes Jeefj DeefOekeeefjeesb/keee&Heeuekeesb kes efueS Yeejleere

efj]peJe& yeQke, Yeejleere yeQke mebIe (DeeF&yeerS) leLee jeêre yeQke eyebOeve
mebmLeeve (SveDeeF&yeerSce) cesb eefMe#eCe keer JeJemLee keer ieF& nw.
kee@Hees&js Hee&Jes#eCe (keeHees&js DeesJejmeeF) leLee MeeKeeDeesb keer

kesJeeemeer uesKee-Hejer#ee kes eeespeve mes yeQke kes eOeeve keeee&uee
cesb efJeMes<e%elee eeHle kejves kes GsMee efvejblej eeeme efkeS peeles nQ.
efJemebieefleeesb kee Helee ueieeves leLee Fvekes lelkeeue efveJeejCe kes efueS
efveeefcele He mes Dee@vemeeF peebe He[leeue keer peeleer nw.
DevegHeeueve veerefle
DeeHekes yeQke ves yees[& eje Devegceesefole SJeb mebye omleeJespeesb mes egkele DevegHeeueve
veerefle leweej keer nw, efpemecesb yeQke kes DevegHeeueve keeees kee Yeejleere efj]peJe& yeQke
kes efveos&Meesb Hej DeeOeeefjle DevegHeeueve oMe&ve Heefjueef#ele neslee nw. en veerefle Ske
yegefveeeo nw efpemekes DeeOeej Hej yeQke kee mecemle DevegHeeueve keee& mebeeefuele
neslee nw. DeeHekes yeQke cesb DevegHeeueve keee&, mJemLe DevegHeeueve JeJemLee egkele
Deebleefjke efveeb$eCe leLee DevegHeeueve peesefKece eyebOeve eefeee meefnle ieJevesme
kee Ske DeefYevve Debie nw.
DevegHeeueve keee& keer ecegKe Henuesb leLee cegKe-cegKe yeelesb

DevegHeeueve efJeYeeie yeQke kes kee@Hees&js keeee&uee cesb mLeeefHele efkeee ieee nw leLee
Fmekes eYeejer/ecegKe cegKe ceneeyebOeke Heo kes HeoeefOekeejer nQ pees yeQke kes
Jeefj eyebOeve kees efjHees& kejles nQ. keeHees&js keeee&uee cesb efmLele DevegHeeueve
efJeYeeie cesb keee&jle eesie meHe kes DeueeJee DevegHeeueve keee& keer osKejsKe kes
efueS keeHeesjs keeee&uee SJeb efveeb$eCe keeee&ueeesb leLee MeeKeeDeesb cesb DevegHeeueve
DeefOekeejer keee&jle nw.
DevegHeeueve keee& efJeefYevve efJeOeeeesb eLee yeQeEkeie efJeefveece DeefOeefveece,
Yeejleere efj]peJe& yeQke DeefOeefveece, efJeosMeer efJeefveece eyebOeve DeefOeefveece
leLee OeveMeesOeve efveJeejCe DeefOeefveece cesb GefuueefKele meebefJeefOeke eeJeOeeveesb
27
2013-14
keer Heeuevee megefveefMele kejlee nw. en Yeejleere yeQeEkeie mebefnlee Deewj

ceeveke yees[& (yeermeerSmeyeerDeeF&), Yeejleere yeQke mebIe (DeeF&yeerS), Yeejleere
efJeosMeer cege JeeHeejer mebIe (efHe[ee) leLee Yeejleere efveele cege yeepeej
Deewj JeglHevveer mebIe (efHec[e) eje efveOee&efjle ceevekeesb leLee kees[ Deeefo kee
Heeueve Yeer megefveefMele kejlee nw.
yeQeEkeie efJeefOe efveeceesb leLee ceevekeesb pewmes efJe<eeesb cesb DevegHeeueve meHe kees Fve
#es$eesb keer ieefleefJeefOeeesb mes Deeleve yeveeS jKeves kes efueS yeQke keer JesyemeeF
(http://intranet.bankof baroda.co.in) Hej efveeefcele leLee JeJeefmLele
%eeve eyebOeve t=ume DeHeuees[ efkeS ieS nQ.
yewke Dee@efHeme Heefjeeueve

#es$eere yewke Dee@efHeme SJeb efmeer yewke Dee@efHeme
Jele&ceeve cesb DeeHekes yeQke kes 12 #es$eere yewke Dee@efHeme (DeejyeerDees) nQ efpevecesb
mes oes #es$eere yewke Dee@efHeme Je<e& kes oewjeve yejsueer leLee Denceoeyeeo cesb Keesues
ieS nQ. Ske Deewj #es$eere yewke Dee@efHeme nwojeyeeo cesb MeerIe Kegueves keer efmLeefle
cesb nw. Fme ekeej keemee mes mebye Keeles Keesueves kes keee& kees eesmesme kejves
leLee Jeefkeleiele eske yegke peejer kejves nsleg meYeer Debeueesb cesb Ske-Ske #es$eere
yewke Dee@efHeme nes peeSiee. DeeHekes yeQke keer 4200 mes DeefOeke MeeKeeDeesb kees
#es$eere yewke Dee@efHeme kes ceeOece mes kesberke=le Keelee Keesueves mebyebOeer eefeee
mes menye kej efoee ieee nw leLee 4350 mes DeefOeke MeeKeeDeesb kees Jeefkeleiele
eske yegke peejer kejves nsleg menye kej efoee ieee nw.
DeeHekes yeQke cesb keueereeEjie kes ceeOece mes DeeJeke SJeb peeJeke eskeesb kees eesmesme
kejves kes efueS 85 kesberke=le efmeer yewke Dee@efHeme keee&jle nQ. meceer#ee DeJeefOe
kes oewjeve oef#eCeer efe[ cesb meererSme (eske êbpeSkemeve efmemce) keueereeEjie
nsleg 100% ceeFesMeve kee keee& leLee HeefMeceer efe[ kes 20 SceDeeF&meerDeej
kesbesb Hej en keee& Het=je nes ieee nw.
mejkeejer keejesyeej leLee kejsbmeer esm

DeeHekes yeQke ves Meguke DeeOeeefjle Deee kees ye{eves kes GsMe mes efJeeere Je<e&
14 kes oewjeve meceefHe&le YeeJe mes mejkeejer keejesyeej ye{eves Hej DeHevee Oeeve
kesbefle efkeee nw. meceer#ee DeJeefOe kes oewjeve Fme efoMee cesb efkeS ieS keg ecegKe
eeemeesb kee veeres GuuesKe efkeee ieee nw.
1. DeeHekes yeQke ves oeoje SJeb veiej nJesueer, efouueer (Dee@He ueeFve) efcepeesjce,
veeieeuewb[, DeebOe eosMe leLee cesIeeuee jepeesb cesb jepe kej mebenCe keer
Devegceefle eeHle kej ueer nw. Fme ekeej DeeHekee yeQke Deye 19 jepeesb cesb
jepe kej mebenCe kes efueS DeefOeke=le nes ieee nw.
2. DeeHekes yeQke kees jsue ceb$eeuee mes 11 jepeesb DeLee&le ceneje^, HeefMece
yebieeue, Demece, efyenej, veeieeuewb[, leefceuevee[g, ceefCeHegj, ef$eHegje,
efmeefkekece, efcepeesjce leLee DeCeeeue eosMe cesb jsueJes HesbMeve kes mebefJelejCe
keer Devegceefle eeHle nes ieF& nw.
3. DeeHekes yeQke keer 166 Deefleefjkele MeeKeeDeesb kees meeJe&peefveke YeefJe<e efveefOe/
meerefveej efmeefpeve meseEJeie mkeerce (PPF/SCSS) JeJemeee kes efueS
DeefOeke=le efkeee ieee nw. Fme ekeej DeeHekes yeQke keer ueieYeie 1079
MeeKeeSb HeerHeerSme/SmemeerSmeSme JeJemeee kes efueS DeefOeke=le nes ieF& nQ.
4. DeeHekes yeQke ves 1 peveJejer 2014 mes 31 ceee& 2014 leke HeerHeerSHe mebenCe
kes efueS efJeMes<e DeefYeeeve eueeee. DeefYeeeve DeJeefOe kes oewjeve 44740
veS Keeles Keesues ieS . efJeeere Je<e& 14 kes oewjeve kegue 64072 Keeles
Kegues.
5. DeeHekes yeQke ves 2 efomebyej 2013 mes 31 ceee& 2014 leke keer DeJeefOe kes
oewjeve veF& HesbMeve eespevee SveHeerSme ueeF kes lenle pecee mebenCe kes
efueS efJeMes<e DeefYeeeve eueeee leLee DeefYeeeve DeJeefOe kes oewjeve 23800
veS Keeles Keesues ieS. efJeeere Je<e& 14 kes oewjeve 25000 mes DeefOeke Keeles
Keesues pee egkes nQ.
6. DeeHekes yeQke kees Gej eosMe leLee GejeKeb[ jepeesb cesb F&-mebeEHeie megefJeOee
keer Devegceefle eeHle nes ieF& nw. Fmekes lenle Gej eosMe keer 48 leLee
GejeKeb[ keer 17 MeeKeeDeesb cesb en keee& eejbYe nes ieee. Fme ekeej Deye
DeeHekes yeQke keer 6 jepeesb cesb 113 MeeKeeDeesb kees F&-mebeEHeie JeJemeee kes
efueS DeefOeke=le kej efoee ieee nw.
7. DeeHekes yeQke kees JeeefCepe SJeb Geesie ceb$eeuee ves Fvekes F&-efyepevesme
(e-BIZ) Hees&ue cesb ueeFmesbme Heerme leLee efJeefYevve ekeej kes ueeFmesbme
peejer kejves kes efueS eYeejesb kes mebienCe nsleg eefleYeeefielee kejves kes efueS
DeefOeke=le kej efoee nw.
8. DeeHekes yeQke ves Deblejeêre kebsvej ef[Hees (DeeF&meer[er) ke=Yekees SJeb npeerje
cesb kemce [det=er kee ele#e mebenCe eejbYe kej efoee nw leLee Fve kesbesb
Hej kemce [det=er kee mebenCe Meg nes ieee nw.
9. DeebOe eosMe cesb DeeHekes yeQke ves Yet=-efJe%eeve SJeb Keveve efJeYeeie mes meeFyej
^spejer kes ceeOece mes jeeuer mebenCe kee Devegceesove eeHle kej efueee
nw.
10. iegpejele jepe cesb DeeHekes yeQke kees SceSmeer SJeb eJesMe kej leLee Fmekes
DeueeJee 6 Deefleefjkele meye^spejer JeJemeee keee& mebeeefuele kejves kes efueS
Yeer DeefOeke=le efkeee ieee nw.
veF& HesbMeve eespevee (SveHeerSme)

14.09.2012 kees SveHeerSme ueeF eespevee keer MegDeele nesves kes yeeo DeeHekes
yeQke ves 31.03.2013 leke 20,872 DeeJesove eeHle efkeS leLee 31.03.2014
kees meceeHle efJeeere Je<e& kes oewjeve SveHeerSme ueeF mJeeJeuebyeve eespevee kes
lenle 23,646 DeeJesove eeHle efkeS. DeeHekes yeQke ves efJeeere Je<e& 2014-15 kes
oewjeve SveHeerSme ueeF mJeeJeuebyeve eespevee kes Debleie&le 1,00,000 DeeJesove
eeHle kejves kee ue#e jKee nw.
veF& efouueer ceW mejkeejer SJeb heerSmeet JeJemeee efJeYeeie kes MegYeejbYe kes oewjeve
eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke
28
vekeoer eyebOeve SJeb kejsbmeer esm

1. DeeHekes yeQke ves DeHeves Debeueesb/#es$eesb kes meeLe efvejblej efveiejeveer SJeb DevegJeleer&
keej&JeeF& kejles ngS vekeo pecee DevegHeele (SerSce keer vekeoer kees es[kej)
kees 0.30 DeLeJee Fmemes kece mlej Hej yeveeS jKee nw.
2013-14
2. keueerve vees veerefle: Yeejleere efj]peJe& yeQke keer keueerve vees veerefle kee
DevegHeeueve kejles ngS DeeHekes yeQke ves eLece ejCe cesb DeHeveer MeeKeeDeesb
leLee kejsbmeer esm kes efueS efJeeere Je<e& 14 cesb 1354 vees meeeE&ie ceMeerve
keer Kejero keer leLee Mes<e MeeKeeDeesb kes efueS 3682 vees meeeE&ie ceMeerve
Kejeroves kee keee& eefeee cesb nw.
3. emleeefJele veF& kejsbmeer esm: Yegieleeve eCeeueer cesb megOeej nsleg eenke
kesbefle eeemeesb kes lenle DeeHekes yeQke ves Gkele DeJeefOe kes oewjeve 32 kejsbmeer
esm Keesueves kes efueS kesb efeefvnle efkeS Les. Fme ekeej kejsbmeer esmesb
keer mebKee 84 mes ye{kej 116 nes ieF& nw. efveCe&e kes DevegHeeueve cesb
Fvecesb mes Je<e& 2013-14 kes oewjeve leerve kejsbmeer esm Oeeceveeso, Deew.#es.
JeejeCemeer, jsnebieer ceW Keesueer ieF&.
4. kee@eve JesbeE[ie ceMeerve: Je<e& 2011-14 keer kejsbmeer eyebOeve keee&veerefle kes
lenle efJeeere Je<e& 14 kes oewjeve efJeefYevve kesbesb Hej 30 kee@eve JeseE[ie
ceMeerve mLeeefHele keer ieF&.
eceebke
1
2
3
4
5
6
7
8
9
10
11
12
13
Debeue kee veece
mLeeefHele kee@eve JesbeE[ie

ceMeerveesb keer mebKee
efyenej, G[ermee SJeb PeejKeb[ Debeue
03
Het=Jeer& Debeue
02
ye=cegbyeF& Debeue
01
Gej iegpejele Debeue
04
oef#eCe iegpejele Debeue
04
ceneje^ SJeb ieesJee Debeue
02
ceOe eosMe SJeb eermeie{ Debeue
01
Gejer Debeue
02
jepemLeeve Debeue
02
kevee&ke SJeb DeebOe> eosMe Debeue
02
leefceuevee[g SJeb kesjue Debeue
03
Het=Jeer& Gej eosMe Debeue
02
HeefMeceer Gej eosMe SJeb GejeKeb[
02
Debeue
kegue
30
meleke&lee
kee@heexjs keeee&uee cegbyeF& ceW Deeeesefpele meleke&lee peeiekelee mehleen kes oewjeve
eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke, keee&heeueke efveosMeke ieCe SJeb
Deve GeeefOekeejer
kes GsMe mes peeseKf ece Jeeueer mebJesoveMeerue MeeKeeDeesb kees efeefvnle efkeee peelee nw
Deewj efveJeejke meleke&lee uesKee Hejer#ee keer peeleer nw. meHe meomeesb kees efJeefpeuesmb e
vetp= e uesj, HeefjHe$ees,b yew"keesb Deeefo kes ceeOece mes efveJeejke meleke&lee kes eefle
peeieke efkeee peelee nw. Fmekes Deefleefjkele Deve GHeee efpevecesb meeryeerSme cesb
yee@eescewe^ kr e eceeCeve, DeefOekeeefjeesb eje mebHeefe mebyebOeer efJeJejefCeeesb kees DeeHekes
yeQke keer JesyemeeF Hej DeHeuees[ kejvee Deeefo Meeefceue nQ.
DeeHekes yeQke ves kegMeue peebe He[leeue leLee peebe mebyebOeer keee&Jeener MeerIelee
Het=Je&ke mebHevve kejves nsleg eefMeef#ele DeefOekeeefjeesb kee Ske mecet=n leweej efkeee
nw. GuuesKeveere nw efke efJeeere Je<e& 14 kes oewjeve DevegMeemeveelceke keee&Jeener
mebyebOeer ceeceueesb kes efveHeeve cesb GuuesKeveere megOeej ngDee nw. eefeee Deewj eCeeueer
cesb HeejoefMe&lee keer efmLeefle cesb efvejblej megOeej kees osKeles ngS eenke mesJee leLee
Deebleefjke efveiejeveer eCeeueer leLee Dee@veueeFve DeeJesove, emlegleerkejCe, mesJeeSb
Deeefo ceeceues efpemecesb cewvegDeue keee& kejves keer iegbpeeFMe kece mes kece nes, cesb
eeweesefiekeer SJeb lekeveerke kee GHeeesie efkeee pee jne nw.
meleke&lee ceMeervejer efveCe&e kees DekeejCe mLeefiele kejves kes mLeeve Hej efveCe&e uesves
cesb megefJeOee eoeve kejves keer Yet=efcekee Deoe kejleer nw. Fme ekeej en eCeeueer SJeb
eefeee kees cepeyet=le kejves kee keee& kejleer nw. Fmekes meeLe-meeLe en yeeeJe
kes jemleesb DeLee&le uet=He nesume Hej jeske ueieeves, efveeceesb keer DeJensuevee pewmeer
efmLeefleeesb mes yeeeJe Deeefo cesb ceoo kejleer nw. DeHesef#ele eYeeJe [eueves kes efueS
en Het=Ce& eefleYeeefielee, mJeesefjle leLee efveJeejke ceMeervejer kee GHeeesie kejleer nw.
keejesyeejer efve<Heeove
efJeeere Je<e& 14 kes oewjeve JeJemeee efJekeeme kes #es$e cesb DeeHekes yeQke keer ecegKe
GHeueefyOeeesb kee efJeJejCe veeres efoee ieee nw.
DeeHekes yeQke cesb meleke&lee kee GsMe nw mebmLee cesb Deee #ejCe kes Ssmes keejkeesb
kee Helee ueieevee efpevemes efJeeere neefve nesleer nw leLee Fme efoMee cesb megOeejelceke
SJeb efveJeejke GHeee kejvee efpevemes Fme ekeej kes Deee #ejCe Hej jeske ueie
mekes Deewj Fme ekeej mebie"ve/mebmLee cesb mecegefele veee Deewj efve<He#e efveCe&e
megefveefMele nes mekes. Fme ekeej efueS ieS mener efveCe&eesb mes efveoes&<e kecee&eeefjeesb
kes efnleesb kees megjef#ele jKeves cesb ceoo efceueleer nw Deewj Ssmes oes<eer lelJeesb kees
meeceves ueeee pee mekelee nw pees yeQke kes efnleesb kes eefle Keleje nQ Deewj efpevemes
yeQke kees vegkemeeve nes mekelee nw.
efveJeejke meleke&lee kes eefle meHe meomeesb kees peeieke kejves Deewj efveeceesb Deewj
efJeefveeceesb keer DeeJensuevee mes DeLeJee DevegHeeueve ve nesves mes Devewelf eke Deewj yesFc& eeve
Jeefkeleeesb kees OeesKeeOe[er kejves cesb ceoo kejves Jeeues keejkeesb kees meeceves ueeves
31 ceee& 2014 kees meceehle Je<e& kes efueS efJeeere Je<e& 2013-14 leLee eewLeer efleceener
efJeeere Je<e&-14 kes efJeeere heefjCeeceeW keer Iees<eCee
29
2013-14
mebmeeOeve mebenCe SJeb Deeefmle efJemleej

31 ceee&, 2014 kees kegue mebmeeOeveesb cesb yeQke keer peceejeefMeeesb kee DebMe
86.26% jne. kegue peceejeefMeeeb `473883.34 kejes[ mes ye{kej
` 568894.39 kejes[ nes ieF& pees efHeues Je<e& keer leguevee cesb 20.05%
DeefOeke nw. kece ueeiele Jeeueer peceejeefMeees cesb cenlJeHet=Ce& Ieke yeele yeQke
peceejeefMeeesb cesb 14.39% keer Je=ef ngF& leLee es `84302.61 kejes[ mes
ye{kej `96437.44 kejes[ nes ieF&.
ye [ ew o e ceW Deeees e f p ele DemeeOeejCe meeceeve yew " ke (F& p eer S ce) kes oew j eve
eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke, keee&heeueke efveosMekeieCe SJeb
Deve GeeefOekeejer
kegue peceeDeesb (eeuet= + yeele) DeLee&le keemee peceeDeesb kee DebMe 25.75%
jne leLee Iejsuet= peceeDeesb cesb en DebMe 31.76% jne.
efJeeere Je<e&, 14 kes oewjeve DeeHekes yeQke kes kegue Deefeceesb cesb 20.97% keer
Je=ef ngF&. Iejsuet= Deefeceesb cesb en Je=ef 21.34% Deewj efJeosMeer Deefeceesb cesb
20.16% jner.
efveefOeeesb keer mebjevee- JewefMJeke

efJeJejCe (`
kejes[ cesb )
ceee&, 2013 keer ceee&, 2014 keer

meceeefHle Hej
meceeefHle Hej
Je=ef %
peceeSb
4,73,883.34
5,68,894.39
20.05
- Iejsuet=
3,41,705.59
3,79,054.04
11.09
- efJeosMeer
1,32,177.74
1,89,840.35
43.62
GOeeefjeeb
26,579.28
36,812.97
38.50
ceee&, 2013 keer ceee&, 2014 keer

meceeefHle Hej
meceeefHle Hej
Je=ef %
JewefMJeke Deefece - (Meg)

efJeJejCe (`
kejes[ cesb )
Deefece
3,28,185.77
3,97,005.81
20.96
- Iejsuet=
2,24,294.33
2,72,168.96
21.34
- efJeosMeer
1,03,891.44
1,24,836.85
20.16
pecee mebmeeOeve
DeeHekes yeQke kes JeJemeee cee@[ue leLee keeHees&js ue#eesb keer eeefHle kes
efueS mebie"veelceke {ebes cesb HejmHej leejlece nsleg Je<e& kes oewjeve Ske veS
JeeJemeeefeke Jeef&keue ''pecee mebmeeOeve'' kees cet=le&He eoeve efkeee ieee.
Fme veS Jeef&keue kes ie"ve kee GsMe keemee peceeDeesb leLee efjsue DeeJeefOeke
peceeDeesb cesb efvejblej leLee JeeHeke Je=ef megefveefMele kejvee nw.
30
ncesb en met=efele kejles ngS emevvelee nw efke DeeHekes yeQke ves meceer#ee Je<e& kes oewjeve
79,87,709 veS yeele yeQke Keeles leLee 1,20,082 veS eeuet= Keeles Keesues.
meesves kes efmekekeesb keer efyeeer

efJeeere Je<e&, 14 kes oewjeve efJeefYevve cet=ue Jeiees kes ueieYeie 40,145 meesves kes
efmekekeesb efpevekee kegue Jepeve 362.333 efkeueeseece Lee, keer efyeeer keer ieF&.
pecee mebmeeOeve efJeYeeie eje keer ieF& veF& Henuesb
Glheeo DeeMeesOeve/megOeej
ye[ewoe eerefceece eeuet= Keelee (yeerHeermeerSHeer) GlHeeo cesb megOeej: DeeHekes yeQke
ves Je<e& kes oewjeve mJeerHe DeJeefOe kees 15 efove mes DeefOekelece 91 efove kejles
ngS Deewj ueeeruee yeveeee nw. eenke Deye DeHeveer efveefOeeesb mebyebOeer pejleesb kees
osKeles ngS efveefo&< jsbpe cesb mes mJeerHe DeJeefOe kee efJekeuHe os mekeles nQ. DeuHe
DeJeefOe peceeDeesb Hej yeepe oj yeQke cesb mecee-mecee Hej eYeeJeer yeepe ojesb kes
DevegHe eenke eje efoS ieS efJekeuHe kes DevegHe eYeeJeer nesieer.
Deve JeeJemeeefeke Henuesb

efveef<ee Keeleesb kees meefee kejves kee DeefYeeeve: efJeeceeve eenkeesb kes meeLe
JeJemeeeiele mebyebOeesb kees cepeyet=le yeveeves leLee Ssmes Keelees kees Hegve: meefee
kejves kes efueS DeeHekes yeQke eje Ske DeefYeeeve eueeee ieee.
$e+Ce [sefye kee[& peejer kejves kee DeefYeeeve: DeeHekes yeQke kes keemee DeefYeeeve
kes Ske Yeeie kes He cesb leLee [sefye kee[& kee GHeeesie ye{eves kes efueS Ske
DeefYeeeve eueeee ieee leeefke DeefYeeeve DeJeefOe kes oewjeve DeefOekelece eenkeesb
kees Fmekes lenle ueeee pee mekes.
keemee DeefYeeeve: kece ueeiele peceeDeesb cesb GuuesKeveere Je=ef ope& kejves
leLee eeuet= leLee yeele yeQke peceeDeesb kees ye{eves kes efueS 2 efmelebyej,
2013 mes 25 efmelebyej, 2013 leke keemee DeefYeeeve eueeee ieee. Fme
oewjeve 15,01,679 veS yeele yeQke Keeleesb cesb `696 kejes[ (efjsve ngF&
jeefMe) keer veS yeele yeQke peceeSb mebeefnle keer ieF. DeefYeeeve DeJeefOe
kes oewjeve kegue `1402 kejes[ keer yeele peceeSb mebeefnle keer ieF&.
25,426 veS eeuet= pecee Keeleesb cesb `230 kejes[ jeefMe mebeefnle keer
ieF& leLee `777 kejes[ keer kegue eeuet= pecee jeefMeeeb mebeefnle keer ieF&.
DeefYeeeve DeJeefOe kes oewjeve veS Keeleesb cesb kegue `926 kejes[ keer keemee
peceeSb leLee mecee He cesb yeele leLee eeuet= Keeleesb cesb `2179 kejes[ keer
peceejeefMeeeb mebeefnle keer ieF&.
yeele yeQke pecee DeefYeeeve: yeele yeQke peceeDeesb kes mebenCe cesb lespeer ueeves
kes efueS 17.02.2014 mes 22.03.2014 leke yeele yeQke pecee DeefYeeeve
eueeee ieee. 8,69,945 veS yeele yeQke Keelees cesb `1,093.66 kejes[ keer
jeefMe mebeefnle keer ieF&. Fme ekeej yeele yeQke peceeDees cesb kegue `1765.31
kejes[ keer Je=ef ngF&. veS Keesues ieS yeele yeQke Keeleesb cesb Deewmele Mes<e
`12,571/- jne.
SveDeejDeeF& mesJeeSb
SveDeejDeeF& (DeefveJeemeer Yeejleere) peceeSb cenlJeHet=Ce& m$eesle nQ efpemes DeeHekee
yeQke efHeues Je<ees kes oewjeve meHeueleeHet=Je&ke eeHle kejlee jne nw.
Meg efkeS ieS veS GlHeeo

efJeosMeesb mes SveDeejDeeF& Oevees<eCe kes DebleJee&n (FveHeuees) kees ye{eves kes
efueS Deiemle-efmelebyej, 2013 kes oewjeve Yeejleere efj]peJe& yeQke eje Ieesef<ele

efkeS ieS cenlJeHet=Ce& GHeeeesb kes Devegece cesb oes efJeMes<e efjsue oselee GlHeeoesb
eLee -ye[ewoe eerefceece SHemeerSveDeej (yeer) pecee SJeb ye[ewoe Deuê
eerefceece SHemeerSveDeej (yeer) pecee kee MegYeejbYe eceMe: 23 efmelebyej,
2013 kees Deewj 10 Dekelet=yej 2013 kees efkeee ieee. Fve GlHeeoesb kes lenle
mebie=nerle efveefOeeesb ves DeeHekes yeQke kees Yeejleere efj]peJe& yeQke keer efjeeeleer
[e@uej mJewHe efJe[esb cesb Yeeie uesves cesb ceoo keer. 30 veJebyej 2013 kees Yeejleere
efj]peJe& yeQke keer mJewHe efJe[esb kes yebo nesves kes meeLe efJeMes<e pecee GlHeeo 27
veJebyej 2013 kees yebo nes ieS Les. DeeHekes yeQke ves eceMe: et=Sme[e@uej 42
efceefueeve Deewj et=Sme[e@uej 1,694 efceefueeve keer pecee jeefMe mebie=nerle keer
Deewj et=Sme[e@uej 1.7 efyeefueeve keer jeefMe kes efueS Yeejleere efj]peJe& yeQke
kes meeLe mJewHe efkeee.
Fvoewj ceW Deeeesefpele efveee&le peesefKece eyebOeve meccesueve kes oewjeve eer Sme. Sme.
cetbo[e, DeOe#e SJeb eyebOe efveosMeke leLee Deve GeeefOekeejer
eefeeeiele veee DeeJeke Oevees<eCe

Yeejleere efj]peJe& yeQke keer Heee DeenjCe JeJemLee kes lenle et=SF& Skemeesbpe
mesbj SueSuemeer (et=SF&F&meerSue) kes meeLe eF&-DeHe JeJemLee kes Debleie&le veS
DeeJeke Oevees<eCe GlHeeo HeuewMe jsefce kes MegYeejbYe kes efueS eefkeee Meg keer
ieF& nw. Deye veS Oevees<eCe GlHeeo kes efueS et=SF& Skemeesbpe SueSuemeer, Deeyet=
Oeeyeer, et=SF& kes meeLe DevegHet=jke kejej omleeJespe leweej nw.
i)
efJeMes<e SveDeejDeeF& pecee DeefYeeeve

oes veS SHemeerSveDeej (yeer) GlHeeoesb kee MegYeejbYe Ske meeLe nesves kes keejCe meYeer
MeeKeeDeesb cesb 14 Dekelet=yej 2013 Deewj 30 veJebyej 2013 kes yeere SveDeejDeeF&
peceeDeesb kes efueS efJeMes<e DeefYeeeve eueeee ieee pees Meer<e& 500 SveDeejDeeF&
JeJemeee Jeeueer efJeMes<e MeeKeeDeesb Hej kesbefle Lee. ` 1508 kejes[ kes cegkeeyeues
Fme DeJeefOe kes oewjeve DeeHekee yeQke ` 1600 kejes[ keer Meg Je=ef ope& kej
mekee. Fme efJeMes<e DeefYeeeve kes oewjeve ` 10512 kejes[ kes FveHeueesb kes meeLe
ueieYeie 12,167 veS Keeles Keesues ieS.
kesbereke=le SveDeejF&/SveDeejDees yeele Keeles kee meYeer wefjjer cesb efJemleej

SveDeejDeeF& yewke Dee@efHeme (SveDeejDeesyeerDees), cegbyeF& cesb SveDeejF&/SveDeejDees
yeele Keeles Keesueves keer kesbereke=le eCeeueer kee 4 pegueeF& 2013 mes Keelee
Keesueves kes DeeJesoveesb kees eeeesefpele kejves kes efueS efJemleej efkeee ieee. Iejsuet=
MeeKeeDeesb keer Deesj mes DeeHekeer efJeosMeer MeeKeeDeesb, Deveg<ebefieeesb Deewj mebegkele Geceesb
mes eeHle eeeesefpele DeeJesoveesb kes meeLe Je<e& kes oewjeve kegue 5538 SveDeejF&/
SveDeejDees Keeles Keesues ieS.
Deve Henuesb
DeeHekes yeQke ves SveDeejDeeF& kes meeLe efvejblej Heesuees-DeHe efkeee Deewj
Yeejleere efj]peJe& yeQke DeJeueeskeve kes lenle kesJeeemeer DevegHeeueve kes efueS
[eeyesme keueereEveie cesb MeeKeeDeesb keer ceoo keer.
DeeHekes yeQke ves efveef<ee Keeleesb keer meefeelee kes efueS eeeme eejbYe efkeS.
nesuemesue SJeb efce[ keeHees&js yeQeEkeie

DeeHekes yeQke kes ueepe& efce[ keeHees&js mesiecesb ves efceuekej osMeere $e+Ce Hees&Heesueeesb
cesb 50% mes DeefOeke kee eesieoeve efoee.
efJeeere Je<e&, 14 Yeejleere yeQeEkeie #es$e kes efueS Ske egveewleer Yeje Je<e& Lee pewmee
efke nceves Het=Je& cesb efJeeere Je<e&, 14 cesb DeeefLe&ke Heefjo=Me cesb GuuesKe efkeee nw.
efJeeere Je<e&, 14 kes oewjeve yeQke kes keeHees&js ueWeE[ie eYeeie kes meccegKe HesMe
DeeF& keg efJeefMe< egveewefleeesb kee GuuesKe veeres efkeee ieee nw.
2013-14
ii)
keeHees&js mes $e+Ce keer ceebie cesb efvejblej efiejeJe kes keF& keejCe jns efpevecesb
ecegKe nQ
oMeke kes oewjeve vet=velece mekeue osMeer GlHeeo (peer[erHeer).
efJeefYevve HeefjeespeveeDeesb cesb efJeuebefyele veerefleiele /eMeemeefveke efveCe&e.
efJeefYevve keejCeesb mes yegefveeeoer HeefjeespeveeDeesb kes keueerejsbme cesb efJeMes<e

osjer.
DemHe Heee&JejCe veerefle.
Ge efveJesMe cet=ue cege mHeerefle leLee yeepe ojsb.
efJeeere Je<e&, 14 keer eLece ceener cesb DeefmLej efJeefvecee ojsb.
$e+Ce eJe=efe leLee efJeke=le Deeefmle iegCeJeee cesb leeuecesue.

GHejeskele He=<"Yet=efce kes eueles DeeHekes yeQke ves $e+CeJe=ef kes meboYe& cesb veee
JeJemeee eeHle kejves cesb meeJeOeeveer yejleer. Fmekes yeeJepet=o DeeHekes yeQke kes
Heem ^ske [smke ves efJeeere Je<e&,14 kes oewjeve 146 veS JeJemeee mebyebOe
mLeeefHele efkeS. yeQke kes ueepe& leLee efce[ keeHees&js mesiecesb ves efJeeere Je<e&,
14 kes oewjeve `96,000 kejes[ keer veF& mJeerke=efleeeb / $e+Ce megefJeOeeDeesb
cesb Je=ef eoeve keer.
keeHees&js efJeeere mesJeeDeesb kes ceeOece mes keeHees&js esef[ cesb Je=ef
kes ue#e kees neefmeue kejves kes efueS MeeKee leLee efce[ keeHees&js MeeKee
cee@[ue meHeue jns nQ. Fve MeeKeeDeesb ves efceuekej `1,00,000 kejes[ keer
Deeefmleeeb me=efpele kejves cesb eesieoeve efoee pees efke yeQke kes kegue yekeeee
osMeere esef[ kee 36% nw.
$e+Ce mJeerke=efleeeb eoeve kejles mecee DeeHekes yeQke ves Deeefmleeesb keer iegCeJeee
yeveeS jKeves kes efueS cet=ueebkeve ceeveke, DevegHeeueve leLee ieJevesme Deeefo cesb
efveOee&efjle yesbeceeke& megefveefMele kejves nsleg Heee&Hle meeJeOeeveer yejleer. DeeHekes
yeQke kes iewj Keee mekeue Deefeceesb cesb 21.88% keer Je=ef ope& keer ieF& leLee
es 31.03.2013 kes mlej ` 2,24,035.82 kejes[ mes ye{kej 31.03.2014
kees `2,73,060.13 kejes[ nes ieS. DeeHekes yeQke kes Deefeceesb cesb Je=ef Geesie
keer Deewmele mes DeefOeke jner.
veJeesvces<eer keee& leLee veF& Henuesb efkemeer Yeer Geesie keer es<"lee kes eceeCe nesles
nQ. DeeHekes yeQke kes ueepe& keeHees&js leLee efce[ keeHees&js efJeYeeieeW ves efJeeere Je<e&,
14 kes oewjeve efvecveefueefKele veJeesvces<eer eeeme efkeS nQ-
31
2013-14
keeHees&jsdme kes efueS keee&Meerue Het=bpeer keer pejleesb kees Het=je kejves kes efueS
mecee Hej mJeerke=efle eoeve kejves nsleg e@He De@He megefJeOee keer MegDeele
keer ieF&.
efJeeceeve GlHeeoesb keer efJeMes<eleeDeesb keer meceer#ee keer ieF& leLee Fvnsb Deewj
eeflemHeOeer& yeveeves keer keesefMeMe keer ieF&. Fve GlHeeoesb cesb keeHees&js $e+Ce,
efye[yeeb[ ieejber, YeefJe<e cesb eeHle nesves Jeeues efkejeS keer SJepe cesb $e+Ce
Deeefo Meeefceue nw.
yeepe oj {ebes kees egefkelemebiele yeveeee ieee leeefke Fmes Geesie kee
meJees&ece yeveeee pee mekes.
Ske veerefleiele JeeJemeeefeke efveCe&e kes He cesb DeeHekes yeQke kes Heefjeespevee
efJee efJeYeeie kee ye[ewoe kewefHeue ceekes& efue. cesb efJeuee kej efoee ieee.
ye[ewoe kewefHeue ceekes& efueefces[ Deye HeefjeespeveeDeesb keer lekeveerkeer
DeeefLe&ke JeJenee&lee kee DeOeeve kejsiee, yeQke $e+Ceesb kes mecet=nve kes
ceeOece mes keeHees&js mlej kes efueS efveefOeeesb keer JeJemLee kejsiee. ye[ewoe
kewefHeue ceekes& efue. kes Heeme JeeJemeeefekeesb keer meceefHe&le erce nw. efpemecesb
Fbefpeefveej, efJee eesHesMeveue leLee DevegYeJeer SJeb eefMeef#ele $e+Ce DeefOekeejer
Meeefceue nQ. Ske Deve GsMe Heefjeespevee keer erF&Jeer m[er kejves kes efueS
ceekes& cesb Heefjeespevee cet=ueebkeve mesJeeDeesb kee efJemleej kejles ngS Meguke
Deee cesb Je=ef kejvee Yeer Lee.
$e+Ce efJelejCe kes ve& DejeGb[ mecee cesb GuuesKeveere keceer ngF&.
DeeHekes yeQke keer ceeveJe Het=bpeer Gkele GsMeesb keer Het=efle& kes efueS cenlJeHet=Ce& Yet=efcekee
Deoe kej jner nw. efJeeere Je<e&, 14 kes oewjeve meerS/DeeF&meer[yuet=S/SceyeerS
pewmes HesMesJejesb keer Yeleer& kej yeQke keer ceeveJe Het=bpeer cesb Je=ef kej Fmes Deewj mego={
kejves kee eeeme efkeee ieee. GuuesKeveere nw efke DeeHekes yeQke ves eeLeefcekelee
kes DeeOeej Hej esef[ leLee efJeosMeer efJeefvecee cesb DeefOekeeefjeesb kees eefMeef#ele
kejves Hej DeHevee Oeeve kesbefle efkeee nw.
efjsue esef[
Het=Je& keer Yeeefvle efJeeere Je<e&, 14 cesb Yeer efjsue yeQeEkeie mesJeeSb yeQke kes mecee
JeJemeee cesb cenlJeHet=Ce& JeJemeee Ieke /mebefJeYeeie yevee jne. en mebefJeYeeie
Jeweefkeleke SJeb ueIeg JeJemeee eenkeesb (JeeHeeefjeesb) keer efJeeere pejleesb Hej
DeHevee Oeeve kesbefle kejlee nw pees menpe SJeb efkeHeeeleer ueeiele Hej yeQeEkeie
megefJeOeeDeesb keer DeHes#ee jKeles nQ.
Je<e& kes oewjeve efjsue yeQeEkeie mebefJeYeeie kes keee&efve<Heeove kee efJeJejCe veeres
efoee ieee nw.
efjsue uesbeE[ie kes Debleie&le Je=ef

DeeHekes yeQke keer yegke cesb Heebe ecegKe GlHeeo eLee DeeJeeme $e+Ce, Dee@es
$e+Ce, efMe#ee $e+Ce, ^s[me& $e+Ce leLee ceeies&pe $e+Ce Meeefceue nQ. efpevekeer
ceee&, 2014 kes Deble cesb kegue efjsue $e+CeeW cesb 79.31% efnmmesoejer
Leer. Deve GlHeeoesb, ueeyees[ /Dees[eryeerDees[er keer kegue efjsue $e+Ceesb cesb
efnmmesoejer 17.91% jner.
kegue efjsue $e+Ce 31 ceee&, 2013 kees `38,046 kejes[ keer leguevee cesb 31
ceee&, 2014 kees `46,019 kejes[ jns. efJeeere Je<e&, 2014 kes oewjeve Fvecesb
kegue `7973 kejes[ (21.0%) keer Je=ef ope& keer ieF& peyeefke efHeues efJeeere
Je<e& kes oewjeve en Je=ef `2379 kejes[ (6.7%) Leer.
kejeekeger, kesjue ceW Deeeesefpele efMe#ee $e+Ce cesues kes oewjeve kesvere efJeeceb$eer
eer heer. efeocyejce kes meeLe eer Jeer. eerOejve, ceneeyebOeke
Heebe ecegKe efjsue GlHeeoesb kes Debleie&le Je=ef

Heebe ecegKe GlHeeoesb efpevekeer kegue $e+CeeW cesb efnmmesoejer 79.3% nw, cesb efJee
Je<e&, 14 kes oewjeve kegue `5899 kejes[ (19.3%) keer Je=ef ngF& peyeefke efJee
Je<e&, 13 kes oewjeve en Je=ef `4412 kejes[ (16.9%) Leer.
DeeJeeme $e+Ce: efJeeere Je<e&, 14 kes oewjeve kegue Je=ef `3513 kejes[ (21.9%)
ope& keer ieF& peyeefke efJeeere Je<e&, 13 kes oewjeve en Je=ef `1911 kejes[
(13.5%) Leer.
Dee@es $e+Ce: efJeeere Je<e&, 14 kes oewjeve kegue `698 kejes[ (23.7%) keer
Je=ef ope& keer ieF& peyeefke efJeeere Je<e&, 13 kes oewjeve kegue Je=ef `512 kejes[
(21.1%) Leer.
ye[ewoe ^s[me& $e+Ce: efJeeere Je<e&, 14 kes oewjeve kegue `1215 kejes[ (16.9%)
keer Je=ef ope& keer ieF& peyeefke efJeeere Je<e&, 13 kes oewjeve kegue Je=ef `1620
kejes[ (29.1%) Leer.
ye[ewoe ceeies&pe $e+Ce: efJeeere Je<e&, 14 kes oewjeve kegue `367 kejes[ (14.9%)
keer Je=ef ope& keer ieF& peyeefke efJeeere Je<e&, 13 kes oewjeve en Je=ef `284
kejes[ (13.0%) Leer.
efMe#ee $e+Ce: efJeeere Je<e&, 14 kes oewjeve kegue `106 kejes[ (5.4%) keer
Je=ef ope& keer ieF& peyeefke efJeeere Je<e&, 13 kes oewjeve en Je=ef `86 kejes[
(4.6%) Leer.
metjle ceW Deeeesefpele mecheefe SJeb keej Skemehees kes GodIeeve kes oewjeve eer Sme. Sme.
32
efjsue $e+Ceesb cesb SveHeerS

DeeHekes yeQke kes efjsue $e+CeeW cesb 31 ceee&, 2014 kees iewj efve<Heeoke Deeefmleeesb

(SveHeerS) kee DebMe `901 kejes[ (1.96%) Lee DeLee&led en Het=Je& mlej Hej ner
Lee uesefkeve 31 efomebyej, 2013 kees en 2.11% kes Ge mlej Hej Lee. 31
ceee&, 2013 kes efjsue $e+Ceesb cesb SveHeerS kee DebMe `669.08 kejes[ Lee pees
efke kegue efjsue $e+Ceesb kee 1.76% Lee.
efJeeere Je<e&, 14 kes oewjeve efjsue yeQeEkeie cesb veJeesvces<eer GHeee:

1. veS GlHeeoesb keer MegDeele
DeeHekes egJee DeefOekeeefjeesb leLee efueefHekeere meHe kees eewHeefnee leLee
ogHeefnee Jeenve Kejeroves keer megefJeOee eoeve kejves kes efueS 10 Deewue,
2013 kees yeQke ves Ske veS efjsue Deeefmle GlHeeo egJee DeefOekeeefjeesb
leLee efueefHekeere meHe kes efueS Jeenve eespevee keer MegDeele keer efpemecesb
DeefOekelece $e+Ce meercee eceMe: `3.50 ueeKe / `0.75/0.60 ueeKe nw.
Fmekes DeueeJee efJeeceeve ye[ewoe ^s[me& $e+Ceesb kes $e+efCeeesb kes efueS 30
Deewue, 2013 kees Ske veS GlHeeo ye[ewoe ^s[me& ieesu[ kee[& meerce
keer MegDeele keer ieF&. JesleveYeesieer kece&eeefjeesb kes efueS 1 veJebyej, 2013
kees Ske veS GlHeeo ye[ewoe eerefceece Jeefkeleiele $e+Ce keer MegDeele
keer ieF& efpemecesb DeefOekelece $e+Ce meercee `10 ueeKe nw. Ske veF& keej
eespevee SveDeejDeeF&/HeerDeeF&Dees kes efueS ye[ewoe keej $e+Ce keer MegDeele 4
efomebyej, 2013 kees keer ieF&. 9 Dekelet=yej, 2013 kees mHesMeue SpetkesMeve
ueesve Hee@j mt=[sbme Dee@He SefMeee HesefmeefHeke HeueeF ^seEveie Dekeeoceer veS
GlHeeo kee MegYeejbYe efkeee ieee. Je<e& kes oewjeve eejbYe veS GlHeeoesb keer
e=bKeuee cesb Ske veS GlHeeo mHesMeue ^s[me& ueesve mkeerce Hee@j Deeejve
SC[ merue ^s[me& Fve SvemeerDeej keer Yeer MegDeele keer ieF&.
2. GlHeeo megOeej

Je<e& kes oewjeve DeeHekes yeQke ves ye[ewoe S[erMeveue SMeesjs[ S[Jeebme
(SSS) cesb megOeej kejles ngS Ske e@He De@He nesce ueesve GlHeeo leweej efkeee
efpemecesb DeefOekelece meercee `0.25 kejes[ mes ye{ekej `2.00 kejes[ keer
ieF&. eespevee cesb DeefOekeeefOeke $e+efCeeesb kees Meeefceue kejves kes GsMe mes
eespevee cesb Deveske veF& megefJeOeeSb meceeefnle keer ieF& nQ. ye[ewoe ^s[me& $e+Ce
keer DeefOekelece $e+Ce meercee kees DeOe&Menjer leLee eeceerCe MeeKeeDeesb kes
efueS ` 2 kejes[ mes ye{ekej `3 kejes[ leLee cesês leLee Menjer MeeKeeDeesb
kes efueS Fmes ye{ekej `4 kejes[ kej efoee ieee nw. ye[ewoe ceeies&pe $e+Ce
cesb $e+Ce keer meercee `1 kejes[ mes ye{kej ` 3 kejes[ kej oer ieF& nw.
yeepeojesb kees leke&mebiele yeveeee ieee leLee Fvnsb ye[ewoe DeeJeeme $e+Ce,
YeefJe<e cesb efkejeee eeefHle keer SJepe cesb $e+Ce, ye[ewoe ceeies&pe $e+Ce,
ye[ewoe efMe#ee $e+Ce leLee yeQke keer mJeeb keer meeJeefOe pecee jmeeroesb keer
SJepe cesb $e+Ce /DeesJej[êhe megefJeOee Deeefo kes meboYe& cesb efJeeere Je<e&,
14 kes oewjeve Deewj Deeke<e&ke yeveeee ieee.
3. Deve JeJemeeeiele Henuesb

DeeHekes yeQke ves DeHeves kece&eeefjeesb kees efveeefcele He mes efJeefYevve
efjsue GlHeeoesb efpevecesb DeeJeeme $e+Ce, ^s[me& $e+Ce, Dee@es $e+Ce,
efMe#ee $e+Ce leLee ceeies&pe $e+Ce Deeefo Meeefceue nQ keer efJeefMe<leeDeesb
keer peevekeejer GheueyOe kejeF& nw. DeeHekes yeQke ves meHe meomeesb
kes efueS eEnoer leLee Debespeer oesveesb Yee<eeDeesb cesb efjsue ueesve ieeF[
js[er jskevej veeceke Hegefmlekee kee ekeeMeve Yeer efkeee nw.
efjsue JeJemeee kees ye{eves kes efueS mecee-mecee Hej $e+Ce DeefYeeeve
eueeee ieS. Fve DeefYeeeveesb cesb efpeve GlHeeoesb kees Meeefceue efkeee ieee
Jes nQ, Sef[Meveue SMeesjs[ ueesve (SSS), YeefJe<e cesb efkejeee eeefHle
2013-14
keer SJepe cesb $e+Ce SJeb ye[ewoe ^s[me& ueesve, efMe#ee $e+Ce, ceeies&pe
$e+Ce, Dee@es $e+Ce, ye[ewoe DeeJeeme $e+Ce, Deeefo Meeefceue nw. Fve
DeefYeeevees mes yeQke kes mecee efjsue mebefJelejCe kees ye{eves cesb ceoo
efceueer nw.
DeeHekes yeQke ves ceeefle megpegkeer efue. leLee Deve eLee censve SC[
censbve, ee ceesme&, Heesme& ceesme& leLee nesb[e keem Fbef[ee efue.
kes meeLe HejmHej leeuecesue (eFDeHe) kees Deewj mego={ efkeee nw.
DeeHekes yeQke ves Yee, pet=veeie{, efJeMeeKeeHevece, cesj" leLee

cegjeoeyeeo cesb 5 veF& efjsue ueesve Hewefkeêeb (DeejSueSHe) Keesueer
Fw. Fme ekeej Deye Fvekeer kegue mebKee ye{kej 45 nes ieF& nw.
DeeHekes yeQke kes #es$eesb ves ee@Heer& SC[ keej SkemeHeesefpeMeve kes
Deeeespeve cesb meefeeleeHet=Je&ke Yeeie efueee. Fve #es$eesb ves mLeeveere
JeeHeej cesueesb (^s[ Hesej) cesb Yeer JeeJemeeefeke meneesieer kes He cesb
menYeeefielee keer.
efjsue ueesve $e+efCeeesb kes SmeSceSme mebosMe / Devegmceejke Yespeves

keer Henue mes Fve Keeleesb cesb Jemet=ueer efmLeefle kees yesnlej yeveeves cesb
GuuesKeveere megOeej ngDee nw.
OevemebHeoe eyebOeve mesJeeSb

DeHeves eenkeesb keer efveJesMe mebyebOeer efJeefYevve DeeJeMekeleeDeesb kees Het=je kejves kes
GsMe mes DeeHekee yeQke efveyeeOe yeQeEkeie mesJeeSb eoeve kejves kes meeLe-meeLe efHeues
ome Je<ees mes OevemebHeoe eyebOeve mesJeeSb Yeer eoeve kej jne nw. Fmekes efueS DeeHekes
yeQke ves peerJeve yeercee, iewj-peerJeve yeercee, cesef[keuesce, cetegDeue Heb[, Dee@veueeFve
^sef[bie Deeefo GlHeeo / megefJeOeeSb eoeve kejves kes efueS efJeefYevve kebHeefveeesb kes
meeLe eFDeHe JeJemLee keer nw. yeQke keer oes mebegkele GHeece kebHeefveeeb efpevecesb
mes Ske peerJeve yeercee leLee Fmeer cetegDeue JeJemeee mes mebye nw, efHeues
keF& Je<ees mes meblegefuele Je=ef eoefMe&le kej jner nQ. Fve kebHeefveeesb kes GlHeeoesb kes
mebefJelejCe kes DeueeJee eF&-DeHe meneesefieeesb kes GlHeeo Yeer yeQke keer osMeYej cesb
Hewueer MeeKeeDeesb kes ceeOece mes mebefJeleefjle efkeS pee jns nQ.
eenkeesb kees Deewj yesnlej SJeb iegCeJeeeHejke OevemebHeoe eyebOeve mesJeeSb eoeve
kejves kes GsMe mes DeeHekes yeQke ves Fbef[ee Hem& ueeFHe FbMeesjsbme kes yeercee
eerefceece SerSce kes ceeOece mes leLee ye[ewoe Heeeefveej cetegDeue Heb[ kees
Heb[ keueskemeve cee@[det=ue kes ceeOece mes mebeefnle kejves keer megefJeOee eoeve keer
nw. DeeHekes yeQke kes106JeW mLeeHevee efoJeme kes DeJemej Hej yeQke kes DeOe#e SJeb
eyebOe efveosMeke ves Fbef[ee Hem& nsuLe kee[& kee DeveeJejCe efkeee. Fme kee[&
keer MegDeele kee[&Oeejkeesb kees FcHesveue efkeS ieS DemHeleeueesb cesb HJeeFb Dee@He
mesume (HeerDeesSme ) ceMeerveesb kes ceeOece mes vekeoer jefnle megefJeOee eoeve kejves
kes GsMe mes keer ieF& nw.
efJeeere Je<e&, 14 kes oewjeve DeeHekes yeQke ves eeuet= Keelee mebefJeYeeie kees yesnlej
yeveeves kes efueS JeeHeeefjke eefle<"eveesb cesb HJeeFb Dee@He mesue (HeerDeesSme) ceMeervesb
ueieeves Hej Oeeve kesbefle efkeee nw. Fme eeeme mes JeemleJe cesb yesnlej HeefjCeece
meeceves DeeS Deewj DeeHekee yeQke Ske Je<e& keer DeJeefOe cesb efJeefYevve JeeHeeefjke
eefle<"eveesb cesb HJeeFb Dee@He mesume (HeerDeesSme) ceMeerveesb keer mebKee kees ogiegvee
kejves cesb meHeue jne.
DeeHekee yeQke Fbef[ee FbHeesueeFve efue. kes meeLe F&-^seE[ie eF-DeHe kes DeueeJee
DeHeveer Het=Ce& mJeeefcelJe Jeeueer Deveg<ebieer yee@ye kewefHeue efue. kes ceeOece mes DeHeves
eenkeesb kees, Dee@veueeFve ^seE[ie megefJeOee (DeesSueer)-yee@yeF^s[ Yeer eoeve kej
jne nw. yeQke MeerIe ner keg ecegKe efJeMes<eleeDeesb Jeeuee mebMeesefOele ^seE[ie HuesHeece&
33
2013-14
Meg kejves pee jne nw pees DeeHekes yeQke kes Kegoje eenkeesb kees Deekeef<e&le kejves
SJeb yeveeS jKeves cesb ceooieej meeefyele nesiee.
mesyeer eje mesuHe meef&HeeF[ eEmeef[kes yeQke (SmemeerSmeyeer) kes He cesb DeeHekes
yeQke kes meYeer esCeer kes efveJesMeke eenkeesb kees DeeF&HeerDees/SHeHeerDees/DeefOekeej
efveie&ce SJeb cetegDeue Heb[ kes SveSHeDees cesb DeeJesove kejves nsleg DeeHekes yeQke
ves Demyee (SefHuekesMeve meHeess&[ yeee yuee@ke[ SkeeGb) kes He cesb Deefleefjkele
ekeej keer DeeJesove megefJeOee GheueyOe kejJeeF& nw. DeeHekes yeQke ves eEmeef[kes
SSmeyeerS DeeJesoveesb kees mJeerkeej kejves nsleg 655 kesb egves nQ.
leLeeefHe, efveeecekeesb kees efjHees& kejves nsleg DeeHekes yeQke kes keee&efve<Heeove cesb
efveeb$eke $e+Ceesb DeLee&le Ssmeer FkeeFeeb/ $e+Cekelee& pees met=#ce, ueIeg SJeb ceOece
keer HeefjYee<ee kee ke[eF& mes Heeueve kejles nesb, kees ner efnmeeye cesb efueee peelee
nw.
en vees efkeee peeS efke, efJeeere Je<e&, 14 kes oewjeve SceSmeSceF& keejesyeej
keer efveeb$eke esCeer cesb DeeHekes yeQke kee keee&efve<Heeove DeLe&JeJemLee cesb ceboer kes
yeeJepet=o Deleble Glmeenpeveke jne.
DeeHekee yeQke eenkeesb keer meblegef nsleg Gvnsb Jeefkeleiele mesJeeSb eoeve kejves kes efueS
ncesMee meceefHe&le jne nw Deewj Deeves Jeeues Je<ees& cesb Fme efoMee cesb Deewj Deeies ye{siee.
SceSmeSceF& keejesyeej
Yeejle keer DeLe&JeJemLee cesb met=#ce, ueIeg SJeb ceOece Gece (SceSmeSceF&) #es$e
keer efveCee&eke Yet=efcekee nesleer nw. DeYeer neue ner cesb Yeejle cesb SceSmeSceF&
efJeeHees<eCe Hej DeeF&SHemeer eje kejeee ieee DeOeeve en oMee&lee nw
efke efJeefYevve Geesieesb keer 29.8 efceefueeve Gece FkeeF&eeb nQ efpevecesb 69
efceefueeve ueesie jespeieej cesb ueies nQ. Fme #es$e mes ner Yeejleere Geesie kee
45% GlHeeove SJeb 40% efveee&le eeHle neslee nw. eeefHe 94% met=#ce, ueIeg
SJeb ceOece Hecme& Hebpeerke=le venerb nw. Yeejle keer peer[erHeer cesb Fme #es$e kee
Jeeef<e&ke eesieoeve 11.5 Jeeef<e&ke oj mes ueieeleej ye{ jne nw pees je<^ keer
Deewmele peer[erHeer oj mes keeHeer DeefOeke nw.
Yeejleere DeLe&JeJemLee cesb SceSmeSceF& #es$e kes cenlJe kees Oeeve cesb jKeles
ngS SJeb Fme JeJemeee kees ye{eves keer o=ef mes DeeHekes yeQke ves pet=ve, 2013
cesb SceSmeSceF& $e+Cekelee&Deesb keer yeepe ojesb kees pet=ve, 2013 cesb leke&mebiele
yeveelee nw. DeeHekes yeQke ves efJeeere Je<e&, 2014 cesb Fme #es$e mes mebyebefOele
meYeer meebefJeefOeke ue#eesb kees Deemeeveer mes eeHle kej efueee nw. Fmekes DeueeJee
DeeHekes yeQke kes Heeme 52 SmeSceF& ueesve Hewefkeêesb kee megJeJeefmLele mebie"ve
nw. efpemekes Debleie&le meceer#eeOeerve efJeeere Je<e& cesb `19,999 kejes[ kes $e+Ce
cebpet=j efkeS ieS.
ueKeveT ceW Deeeesefpele Deuê Sb[ mceeue SvjeeFpe ueesve cesues kes oewjeve eer Sme.
Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke leLee Deve GeeefOekeejer
SceSmeSceF& JeJemeee cesb Je=ef

31 ceee&, 2014 kees meceeHle DeJeefOe cesb SceSmeSceF& #es$e cesb kegue yekeeee jeefMe
`57,426 kejes[ jner. Fve leerve Je<ees cesb SceSmeSceF& #es$e cesb $e+Ceesb cesb ngF& Je=ef
efvecveefueefKele leeefuekee cesb oMee&F& ieF& nw:-
Je<e&
2011-12
2012-13
2013-14
Je=ef (% Je<e&-oj-Je<e&)
26.11%
30.31%
21.21%
efJeeere Je<e&, 2014 kes oewjeve ecegKe GHeueefyOeeeb

ceee&, 2014 keer meceeefHle Hej SceSmeSceF& Deefece 56,634 kejes[
` Lee pees efHeues Je<e& kes SceSmeSceF& Deefece keer leguevee cesb `9,912
kejes[ (21.21%) Je=ef oMee&lee nw.
SceSmeSceF& meskej cesb `40,873 kejes[ kes kegue $e+CeeW cesb `27,756
kejes[ kee Deefece met=#ce Geceesb kees efoee ieee (efHeues Je<e& Devegmeej)
pees efJeeere Je<e&, 14 cesb 67.90% jne. Fme ekeej Yeejleere
efj]peJe& yeQke eje efveOee&efjle DeefveJeee& ue#e kees Deemeeveer mes Heej
kej efueee ieee.
DeeCebo #es$e ceW meerSce[er kes meeLe SmeSceF& ueesve HewefkeêeW kes ecegKeeW keer yew"ke kes
oewjeve eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke leLee Deve GeeefOekeejer
31 ceee&, 2014 kees DeeHekes mekeue Iejsuet= $e+Ce cesb SceSmeSceF&

Deefeceesb kee eesieoeve 20.16% jne.
efJeefveeeceke esCeer kes lenle SceSmeSceF& FkeeF&eesb kes DeueeJee DeeHekee yeQke Gve
FkeeF&eesb kees Yeer efJee Heesef<ele kejlee nw pees efvecee&Ce /mesJee #es$e cesb ueieer ngF& nQ
efpevnesbves eceMe: Hueeb SJeb ceMeervejer leLee GHekejCeesb cesb efveJesMe efkeee nw Deewj
efpevekee ve&DeesJej `150 kejes[ kee nw. efJeefveeeceke SceSmeSceF& Geceesb kes
DevegHe ner Fme efJemle=le #es$e Hej DeefOeke Oeeve osves kes efueS Ssmee Deevleefjke
he mes efkeee ieee nw.
34
met=#ce SJeb ueIeg Geesieesb kees efoS ieS Deefece Yeejle mejkeej eje
ceee&, 2014 keer meceeefHle leke efoS ieS ue#e `45,900 kejes[ keer
leguevee cesb `50,300 kejes[ leke Hengbe ieee.
DeHeves SceSmeSceF& JeJemeee kees ye{eves nsleg DeeHekes yeQke ves efJeeere

Je<e&,14 kes oewjeve SceSmeSceF& kesHeskeme ueesve SJeb kesHeskeme kee[&
veeceke veee GlHeeo DeejbYe efkeee.
Je<e&, 2014 kes oewjeve SceSmeSceF& efJeeHees<eCe mebyebOeer Henuesb

DeeHekes yeQke ves efveJesMe Jee kees eeslmeeefnle kejves kes efueS SceSmeSceF&
$e+Cekelee&Deesb Hej eYeeefjle keer peeves Jeeueer yeepe oj cesb mes[ kees
kece efkeee.
DeeHekes yeQke ves `2 ueeKe mes ` 2 kejes[ leke kes DeuHe cet=ue kes $e+Ceesb
nsleg mkeeseEjie eFHe esef[ jseEie cee@[ue kees Devegceesefole efkeee.
DeeHekes yeQke ves pet=ve SJeb Dekelet=yej, 2013 ceen cesb SceSmeSceF&
JeJemeee mes mebyebefOele ceeceueesb Hej eee& kejves nsleg SmeSceF& ueesve
Hewefkeêesb kes ecegKeesb kee SmeSceF& meccesueve Deeeesefpele efkeee.
DeeHekes yeQke ves 1 veJebyej, 2013 mes 28 HejJejer, 2014 leke

SceSmeSceF& GlmeJe ceveeee.
DeeHekes yeQke ves veeefMeke, Fboewj, jepekees SJeb keesecyelet=j cesb

SceSmeSceF& ieesuecespe keebHe>sme Deeeesefpele keer.
DeeHekes yeQke ves meerpeererSceSmeF& eespevee kes Debleie&le Deeeeceke {bie

mes mebHeeefMJe&ke cegkele $e+Ce Hej Oeeve kesbefle efkeee.
DeeHekes yeQke ves DeHeveer yeeb[ Fcespe yeveeves nsleg efJeefYevve eoMe&efveeesb,
HeefjmebJeeoesb Deeefo cesb menYeeefielee keer.
Fmekes DeueeJee, DeeHekes yeQke ves SceSmeSceF& $e+Cekelee&Deesb nsleg SceSmeSceF&

kesHeskeme $e+Ce SJeb kesHeskeme kee[& keer MegDeele keer. Fmekes ceeOece mes
keeveHegj #es$e cesb nesefpeejer Geesie SJeb keeveHegj SJeb Deeieje #es$e cesb ece[e
SJeb ece[e GlHeeoesb kees efJeeHeesef<ele efkeee ieee. He.yebieeue SJeb efmeefkekece
cesb eee eesmeseEmeie FkeeF&eesb kees Yeer Fmemes efJeeHeesef<ele efkeee ieee. Fmekes
eje osMeYej cesb efjjeseEueie efceume, ceMeerve t=ume SJeb skemeeFue eEeeEie
ieefleefJeefOeeesb nsleg Yeer efJeeere meneesie eoeve efkeee ieee. Hebpeeye SJeb
peccet keMceerj #es$e cesb Fme eespevee kes ceeOece mes Deewpeej SJeb Kesueket=o
meeceeer keer FkeeF&eesb kes GlHeeove nsleg efJeeHees<eCe efkeee ieee. nueveer
SJeb osnjeot=ve #es$e cesb nesue /ceessue /efjmee@& kees Yeer efJeeHees<eCe efkeee
ieee Fmeves mecHet=Ce& Yeejle cesb ke=ef<e DeeOeeefjle FkeeF&eesb kees efJee Heesef<ele
efkeee. Fmekes eje jes[ êbmeHees& Dee@Hejsjesb kees efJeefYevve JeeefCeefpeke
Jeenveesb kes GlHeeokeesb eje GlHeeefole JeeefCeefpeke Jeenveesb keer Kejero
nsleg efJeeHeesef<ele kejves kes efueS ceefnve ^keme SJeb yemesme ee.efue. kes
meeLe mecePeewlee %eeHeve nmlee#eefjle efkeee ieee. Fmeves Tpee& keee&#ece
HeefjeespeveeDeesb meefnle SceSmeSceF& kes eeweesefiekeer Gvveeve SJeb iegCeJeee
meceLe&ve eoeve kejves nsleg efJekeeme Deeegkele SceSmeSceF& kes meeLe mecePeewlee
%eeHeve Hej nmlee#ej efkeS.
DeeHekes yeQke keer SceSmeSceF& Keb[ kes Debleie&le #es$e efJeMes<e kes DevegHe keg
efveefMele eespeveeSb nQ peneb Ske ner ekeej keer FkeeF&eesb ee Ske ner lejn
ner ieefleefJeefOeeesb nsleg JeJemeee keer Deer mebYeeJeveeSb nQ. Fve eespeveeDeesb mes
DeeHekes yeQke kees meblees<epeveke eeefHleeeb Yeer ngF&. DeeCeer efpeuee MeeKeeDeesb kes
meeLe keuemj efJekeeme kee keee& Yeer eejbYe efkeee ieee leeefke Deeieeceer Je<ees&
cesb Jes ye[er Yet=efcekee kee efveJee&n kej mekesb. Fmekes DeueeJee, efJeeere Je<e&, 14
cesb Yeejle mejkeej eje efveosefMele keee&ece - efJeMes<ele: JeerJeme& esef[ kee[&
([yuetmeermeer) SJeb eOeeveceb$eer jespeieej me=peve keee&ece (HeerSceF&peerHeer) Hej
Yeer efJeMes<e Oeeve efoee ieee.
2013-14
DeeHekes yeQke ves efJeeere Je<e&, 14 kes oewjeve efvecveefueefKele #es$e efJeMes<e eespeveeDeesb
cesb mebMeesOeve efkeee nw:
v
jepemLeeve cesb ceeye&ue FkeeFeesb kee efJeeHees<eCe .
DeefKeue Yeejleere DeeOeej Hej Jem$e FkeeFeesb kee efJeeHees<eCe.
peeceveiej, pet=veeie{ SJeb ke #es$e cesb yeeme GlHeeove FkeeF&eesb kee

efJeeHees<eCe.
DeMekele Jeefkeleeesb kees mebHeeefMJe&ke eefleYet=efle cegkele efJeeHees<eCe/efMe#ee

$e+Ce-je<êre efJekeueebie efJeeHees<eCe SJeb efJekeeme efveiece eje eJeefle&le.
efHeeeefpeDees efJnkeume ee. efue. eje efveefce&le leerve Heefnee Jeenveesb kee
efJeeHees<eCe.
eeceerCe SJeb ke=ef<e yeQeEkeie

DeeHekee yeQke eeLeefcekelee eeHle #es$e SJeb ke=ef<e $e+Ceesb cesb ncesMee DeeCeer jne
nw. en DeHeveer 1781 eeceerCe MeeKeeDeesb SJeb 1267 De&Menjer MeeKeeDeesb kes
efJeMeeue vesJeke& kes ceeOece mes eeceerCe yeepeej keer mebYeeJeveeDeesb kee ueeYe G"e
jne nw. efJeeere Je<e&, 14 kes oewjeve DeeHekes yeQke ves eeceerCe SJeb De&Menjer
#es$eesb cesb 453 veF& MeeKeeSb Keesueerb.
DeeHekes yeQke kees GejeosMe Deewj jepemLeeve jepeesb cesb jepe mlejere yeQkeme&
meefceefle (SmeSueyeermeer) kes mebeespeke nesves kee ieewjJe eeHle nw. DeeHekes yeQke
kes Heeme iegpejele (14), jepemLeeve (12), Gej eosMe (15), GejeKeb[ (2),
ceOe eosMe (2), efyenej (2) SJeb efouueer (1) jepeesb cesb 48 efpeueesb cesb DeeCeer
yeQke kee oeefelJe nw.
DeeHekes yeQke ves leerve jepeesb cesb 1,659 MeeKeeDeesb kes vesJeke& Deewj ceee&, 2014
kes Deble leke ` 33,169.55 kejes[ kes kegue JeJemeee kes meeLe leerve #es$eere
eeceerCe yeQke (DeejDeejyeer) eeeesefpele efkeS nQ.
efJeeere Je<e&, 2014 cesb eeLeefcekelee eeHle #es$e $e+Ceesb cesb keee&efve<Heeove
DeeHekes yeQke kes eeLeefcekelee eeHle #es$e Deefece ceee&, 2013 kes Deble cesb
GuuesKeveere Je=ef ope& kejles ngS `80,003 kejes[ mes ye{kej ceee&, 2014 cesb
90,488 kejes[ nes ieS pees meceeeesefpele yeQke $e+Ce (SSveyeermeer) kee 40.02%
nw peye efke DeefveJeee& ue#e 40% kee nw. Je<e& kes oewjeve DeeHekes yeQke kes ele#e
ke=ef<e Deefeceesb cesb efHeues Je<e& keer leguevee cesb kegue ` 1,609.39 kejes[ (7.85%)
keer Je=ef ngF&. Je<e& kes oewjeve en ye{kej ` 22,117.51 kejes[ nes ieF&.
DeeHekes yeQke kes kegue ke=ef<e Deefeceesb cesb ` 768.76 kejes[ keer Je=ef ngF& leLee
es ceee&, 14 kes Deble cesb ` 28,431.92 kejes[ leke nes ieS. en eeLeefcekelee
eeHle #es$e kes mebyebOe cesb Yeejleere efj]peJe& yeQke eje peejer efkeS ieS Deewj efo.20
pegueeF&, 2012 mes eYeeJeer mebMeesefOele efoMeeefveos&Meesb kes keejCe ngDee. DeeHekes yeQke
kes ele#e ke=ef<e Deefeceesb kee ceee& 2014 kes Deble cesb DebMe meceeeesefpele efveJeue
yeQke $e+Ce (SSveyeermeer) kee 9.78% jne peyeefke DeefveJeee& ue#e 13.50%
Lee meceeeesefpele efveJeue yeQke $e+Ce (SSveyeermeer) kes 12.57 % jns peye efke
DeefveJeee& ue#e 18% kee nw (Yeejleere efj]peJe& yeQke kes efoveebke 15.05.2014
kes efoMeeefveoxMeeW kes eYeeJe mJehe kegue eeLeefcekelee #es$e SJeb kegue ke=ef<e Deefece
ye{kej eceMe: 41.22% SJeb 13.93% nes peeSbies).
DeHeves ecegKe ke=ef<e GlHeeo ye[ewoe efkemeeve esef[ kee[& kes Debleie&le DeeHekes
yeQke ves efJeeere Je<e&, 2014 cesb 2,47,796 esef[ kee[& peejer kej efkemeeveesb
kees efJeeere meneelee eoeve keer. DeeHekes yeQke ves efkemeeve mecegoee keer megefJeOee
nsleg 3,30,257 ye[ewoe efkemeeve Hes kee[&, SerSce meceefLe&le mcee& kee[& peejer
efkeS. efJeeere Je<e&, 14 kes oewjeve DeeHekes yeQke ves ueieYeie 2,95,743 veS
35
2013-14
ke=<ekeesb kees ` 4,505.55 kejes[ kes $e+Ce eoeve efkeS.

DeHeves met=#ce efJeeHees<eCe kes veJeesvces<eer GHeeeesb kes Ske Yeeie kes He cesb DeeHekes
yeQke ves $e+Ce menye 11,908 mJeeb meneelee mecet=nesb kees efJeeere Je<e&, 14 kes
oewjeve ` 198.03 kejes[ keer $e+Ce meneelee eoeve keer efpemekes HeuemJeHe
mJeeb meneelee mecet=n $e+Ce menyelee keer kegue mebKee 1,83,566 leLee yekeeee
$e+Ce jeefMe ` 1,670.57 kejes[ nes ieF&.
1,20,979 ves DeHeves mJejespeieej Gece mLeeefHele kej efueS nQ.

DeeHekes yeQke ves Hetj= s osMe cesb 46 efJeeere mee#ejlee kesb (SHeSuemeer) mLeeefHele
efkeS nQ efpevnsb meejLeer veece efoee ieee nw. es kesb pejlecebo ueesieesb
kees efJeeere mee#ejlee leLee $e+Ce HejeceMe& megefJeOeeSb eoeve kejves kes efueS
mLeeefHele efkeS ieS nQ leeefke Jes yeQeEkeie eCeeueer mes efJeeere mesJeeDeesb kee
ueeYe G"e mekes Deewj meeLe ner efJeeere mebke cesb petPeles ueesieesb kees HejeceMe&
megefJeOeeSb eoeve kej mekes. DeeHekes yeQke ves Fve kesbesb kees yeerSmeJeerSme
^m kes mebj#eCe cesb Keesuee nw Deewj Fve kesbesb eje mebyebefOele ueesieesb kees
efve:Meguke HejeceMe& mesJeeSb oer pee jner nw.
DeeHekes yeQke ves G.e. cesb jeeyejsueer SJeb meguleeveHegj cesb met=#ce $e+Ce Hewkeêr
Yeer Keesueer nw. Fme met=#ce efJeeHees<eCe $e+Ce Hewkeêr kes ceesyeeFue Jeenve cesb
DeeJeMeke megefJeOeeSb SJeb mJeeb meneelee mecet=n efJeeHees<eCe mes mebyebefOele
DeeJeMeke omleeJespe Yeer nesles nQ. Fmekee eyebOeve kejves Jeeues DeefOekeejer
kees mJeeb meneelee mecet=n kees `25,000/- leke eLeemLeue Hej leLee Gvekes
ej Hej peekej cebpet=j SJeb mebefJeleefjle kejves kes efueS eeefOeke=le efkeee
ieee nw.
efnccele veiej, iegpejele ceW vesMeveue heeeue Seer ueesve Hewkeêr kes MegYeejbYe kes DeJemej
hej eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke leLee Deve GeeefOekeejer
JeJemeee SJeb meeceeefpeke Henuesb

DeeHekes yeQke ves efJeeere Je<e&, 14 kes oewjeve eeceerCe Deewj ke=ef<e $e+Ceesb nsleg
GheueyOe DeJemejesb kee ueeYe G"eves kes eeespeve mes Deveske veJeesvces<eer Henueesb keer
MegDeele keer. Fvecesb mes keg efvecveevegmeej nw: ke=ef<e Deefeceesb kees ye{eves kes efueS DeeHekes yeQke ves efJeMes<e DeefYeeeve DeLee&led
Hemeueer $e+Ceesb kes efueS KejerHe SJeb jyeer DeefYeeeve eueeS efpevecesb eceMe:
` 5,585.67 kejes[ SJeb ` 2,850.40 kejes[ mebefJeleefjle efkeS ieS. efveJesMe
$e+Ceesb kes efueS Yeer Ske Deewj DeefYeeeve eueeee ieee efpemekes Debleie&le
` 897.84 kejes[ kee mebefJelejCe efkeee ieee.
DeeHekes yeQke ves ke=ef<e $e+Ceesb kees ye{eves kes GsMe mes Het=js osMe cesb 466
Lem MeeKeeDeesb kee eeve efkeee nw. Fve MeeKeeDeesb ves ceee&, 2014 kes
Deble leke yeQke kes kegue ke=ef<e Deefece cesb 35.95 % eesieoeve efoee.
DeeHekes yeQke ves #es$e efJeMes<e kees Oeeve cesb jKeles ngS Deveske eespeveeSb yeveeF&
nQ pees efke mLeeveere ke=<eke mecegoee keer DeeJeMekeleeDeesb kes DevegHe Het=efle&
kejsieer. Fmecesb yeepe oj, eYeej Deeefo cesb efjDeeele Deeefo efJeefJeOe megefJeOeeSb
Meeefceue nQ. meceer#eeOeerve Je<e& kes oewjeve efkemeeveesb keer DeeJeMekeleeDeesb keer
Het=efle& nsleg 12 Ssmeer eespeveeSb Devegceesefole kej keeee&efvJele keer ieF&.
DeeHekes yeQke ves yesnlej eenke mesJee SJeb yeQke kes ke=ef<e Deefeceesb keer cee$ee
SJeb iegCeJeee cesb megOeej nsleg ke=ef<e $e+Ce Hewefkeêesb keer MegDeele keer.
Ssmeer leerve Heeeue Hewefkeêesb ves iegpejele cesb cesnmeeCee, G.e. cesb yejsueer
SJeb efyenej cesb cegpeHeHejHegj cesb keee& kejvee eejbYe kej efoee nw.
Jele&ceeve cesb DeeHekes yeQke kes 47 ye[ewoe mJejespeieej efJekeeme mebmLeeve

(yeerSmeJeerSme), ye[ewoe Deej-meser nw pees Het=js osMe cesb egJeeDeesb kees eefMeef#ele
kej mJejespeieej Gece Meg kejves kes efueS DeeJeMeke %eeve SJeb keewMeue
eoeve kej jns nQ. efJeeere Je<e& 14 cesb 33,974 egJee efnleeeefneesb kees
eefMeef#ele efkeee ieee efpevecesb mes 22,297 ves mJejespeieej Gece mLeeefHele
efkeee. Fve kesbesb eje eefMeef#ele 1,92,247 ueeYeeefLe&eesb cesb mes DeYeer leke
36
yeQke eje eeeesefpele #es$eere eeceerCe yeQkeesb kee keee&efve<Heeove

Jele&ceeve cesb DeeHekes yeQke eje eeeesefpele leerve #es$eere eeceerCe yeQke nQ ye[ewoe Gej eosMe eeceerCe yeQke, eOeeve keeee&uee: jeeyejsueer.
ye[ewoe jepemLeeve #es$eere eeceerCe yeQke, eOeeve keeee&uee:Depecesj.
ye[ewoe iegpejele eeceerCe yeQke, eOeeve keeee&uee:Yee.
Fve leerveesb #es$eere eeceerCe yeQkeesb kee kegue JeJemeee ceee&, 2013 kes Deble kes
29,284.23 kejes[ HeS mes ye{kej ceee&, 2014 kes Deble cesb 33,169.55
kejes[ nes ieee. Fme ekeej Fmecesb 13.27 % keer Je=ef ope& ngF&.
Fve leerveesb #es$eere eeceerCe yeQkees ves Je<e&, 14 kes oewjeve ` 289.40 kejes[ kee
Meg ueeYe Deefpe&le efkeee peye efke Je<e&, 2013 kes oewjeve Meg ueeYe 97.06
kejes[ ` Lee.
Fve meYeer #es$eere eeceerCe yeQkeesb keer mecee Meg ceeefueele ceee&, 2013 kes Deble
kes 1,234.42 kejes[ ` mes megOej kej ceee&, 2014 kes Deble cesb 1,523.82
kejes[ ` nes ieF& Deewj Deejef#ele efveefOeeeb leLee DeefOeMes<e ceee&, 2013 kes
Deble kes 777.52 kejes[ HeS mes ye{kej ceee&, 2014 kes Deble cesb 1,066.92
kejes[ HeS nes ieee.
efJeeere Je<e&, 14 kes oewjeve De.pee/De.pe.pee kees Deefece

DeeHekes yeQke eje De.pee/De.pe.pee mecegoee kees efoee peeves Jeeuee yekeeee
Deefece meeue-oj-meeue lespeer mes ye{ jne nw. en Fme leLe kees oMee&lee nw
efke Fve efnleeeefneesb kees ceee&, 2013 kes Deble leke efoee ieee 4712.66
kejes[ ` Deefece ceee&, 2014 kes Deble leke 6,160.30 kejes[ ` nes ieee.
JeemleJe cesb meceer#eeOeerve DeJeefOe kes oewjeve DeeHekes yeQke ves kegue Deefeceesb
kes DebMe kee 29.90 % kecepeesj leyekes kees eoeve efkeee. Fmekes DeueeJee
DeeHekes yeQke ves efJeefYevve mejkeejer eespeveeDeesb pewmes- jeêre eeceerCe
DeepeerefJekee efceMeve (SveDeejSueSce), mJeCe&peebleer Menjer jespeieej eespevee
(SmepesSmeDeejJeee), eOeeveceb$eer jespeieej me=peve keee&ece (HeerSceF&peerHeer)
Deeefo kes Debleie&le De.pee/De.pe.pee kees efJeeHeesef<ele kejves kes efueS Ske
efJeMes<e ^m Yeer yeveeee nw.

ye[ewoe mJejespeieej efJekeeme mebmLeeve Yeer eefMe#eCeeefLe&eesb kes eeve cesb De.pee/
De.pe.pee mecegoee kees Jejerelee eoeve kejlee nw. nce men<e& DeJeiele kejeles
nQ efke DeYeer leke es kesb 72,365 egJeeDeesb kees De.pee/De.pe.pee esCeer cesb
eefMeef#ele kej egkes nw.
efJeeere meceeJesMeve kes efueS yeQke kes eefleye eeeme

efJeeere meceeJesMeve DeuHe Deee leke Jebefele Jeie& kes JeeHeke peve mecegoee
kees Jenve kejves eesie ueeiele Hej yeQeEkeie mesJeeSb eoeve kejvee nw. efJeeere
meceeJesMeve eespevee kee GsMe meceepe kes Jeiees leke efJeeere mesJeeDeesb
kees Jenve kejves eesie ueeiele Hej menpe Hengbe yeveevee nw, pees efke Deye
leke Fvemes Jebefele Les leeefke Gvnsb efJeeere #es$e keer cegKe Oeeje cesb ueeee
pee mekes. efJeeere meceeJesMeve keeee&vJeeve DeeHekes yeQke kes efueS keesF&
veF& OeejCee venerb nw. DeeHekes yeQke eje DeHeveer mLeeHevee mes ner efJeeere
meceeJesMeve mebyebOeer ieefleefJeefOeeeb mejkeej eje eeeesefpele keee&eceesb,
efveOe&velece Jeefkeleeesb kees $e+Ce eoeve kej DeuHemebKeke mecegoeeesb,
Devegmet=efele peeefle, pevepeeefle kes ueesieesb kees $e+Ce megefJeOeeSb GheueyOe kejJee
kej, eeLeefcekelee eeHle #es$e kes Debleie&le efJeehees<eCe Deeefo kes ceeOece
mes mebeeefuele keer pee jner nw. leLeeefHe, Yeejleere efj]peJe& yeQke eje Je<e&,
2005 cesb efJeeere meceeJesMeve keer OeejCee kees cet=le& He eoeve efkeee ieee
peye Gvekes eje JeJemeee eefleefveefOe (yeermeer) ewveue kes ceeOece mes
yeQeEkeie mesJeeSb eoeve kejves keer Devegceefle oer ieF&. Yeejleere efj]peJe& yeQke
eje Je<e&, 2010 cesb meYeer JeeefCeefpeke yeQkeesb kees efJeeere meceeJesMeve kes
Debleie&le eeceerCe yeQke jefnle #es$eesb cesb yeQeEkeie mesJeeSb eoeve kejves nsleg yees[&
eje Devegceesefole eespevee emlegle kejves kes efveos&Me efoS ieS.
efJeeere meceeJesMeve kes lenle JeejeCemeer ceW efkeeesmke kesv kes MegYeejbYe kes DeJemej hej
eer kes. meer. eeJeleea, Ghe ieJeve&j Yee.efj.yeQ., eer Sme. Sme. cetbo[e, meerSce[er Deewj
eer efkeMeesj heer. Kejele, ceneeyebOeke
Yeejle mejkeej keer DeHes#eeDeesb leLee Yeejleere efj]peJe& yeQke kes efveos&Meesb kes DevegHe
DeeHekes yeQke ves Je<e& 2010-11 mes eYeeJeer leerve Je<e& keer DeJeefOe keer efJeeere
meceeJesMeve eespevee (SHeDeeeHeer) ueeiet= kejves kes efueS Devegceesefole kej oer nw.
eespevee kes Debleie&le efJeeere meceeJesMeve kes Debleie&le efJeefYevve eeweesefiekeer DeeOeeefjle
veJeesvces<eer eeemeesb/lejerkeesb kee GHeeesie kejves 20000 ieebJeesb kees Meeefceue kejves
kee ue#e jKee ieee nw. Fmekes HeMeele efJee ceb$eeuee leLee Yeejleere efj]peJe&
yeQke ves DeeHekes yeQke kees met=efele efkeee efke ceee&, 2012 leke Ssmes meYeer ieebJeesb
kees Meeefceue kejs efpevekeer Deeyeeoer 2000 mes DeefOeke nw. leodvegmeej, DeeHekes
yeQke kees 2855 ieebJe Deeyebefle efkeS ieS efpevnsb efveOee&efjle meceeeJeefOe cesb Fmecesb
Meeefceue kej efueee ieee nw.
Gmekes yeeo, Yeejleere efj]peJe& yeQke ves meYeer yeQkeesb kees met=efele efkeee efke Jes leerve
Je<ees DeLee&le 2013-14 mes 2015-16 leke yeQke efJeMes<e kes mesJee #es$e kes Deboj
2013-14
meYeer ieebJeeW kees yeQeEkeie megefJeOeeSb cegnwee kejeSb. leovegmeej DeeHekes yeQke kes
efveosMeke ceb[ue ves 3 Je<ees DeLee&le ceee&, 2016 leke keJej efkeS peeves Jeeues meYeer
21,526 mesJee #es$e ieebJeesb kes efueS efYevve-efYevve ekeej kes efJeeere meceeJesMeve
Hueeve (SHeDeeF&Heer) Devegceesefole efkeS. efveosMeke kes Devegceesefole SHeDeeF&Heer kes
Devegmeej mesJee #es$e ieebJeesb kees keJej kejves kes efueS Je<e& 2013-14, 2014-15
leLee 2015-16 kes efueS ue#e eceMe: 11124, 16324 leLee 21526 Lee.
DeeHekes yeQke ves Heee&Hle mecee mes ner keJej efkeS peeves Jeeues ieeJeesb kes Jeeef<e&ke
ue#e kees neefmeue kej efueee. ceee&, 2014 kes efueS efJeefYevve #es$eesb cesb SHeDeeF&Heer
kes efueS efveOee&efjle Jeeef<e&ke ue#eesb kes meYeer Hewjeceerme& kees eeHle kej efueee.
efJeeere meceeJesMeve kes efueS DeeHekes yeQke eje DeHeveeS ieS

cee@[ue
efJeeere meceeJesMeve kes Debleie&le yeweEkeie mesJeeSb eoeve kejves kes efueS DeeHekes yeQke
ves pees efJeefYevve cee@[ue DeHeveeS nQ, Jes Fme ekeej nQ :
DeeF&meerer (met=evee SJeb mebes<eCe eeweesefiekeer) DeeOeeefjle yeermeer cee@[ue.
Heer Dees Sme (HeeFb Dee@He mesue/meefJe&me)
efkeeesmke
ceesyeeFue Jewve
efyeke SJeb ceese&j MeeKeeSb
met=evee SJeb mebes<eCe eeweesefiekeer (DeeF&meerer) DeeOeeefjle JeJemeee eefleefveefOe

cee@[ue: HeerDeesSme DeeOeeefjle yeermeer cee@[ue
efJeeere meceeJesMeve kes efueS en mee@uet=meve mcee& kee[& DeeOeeefjle eeweesefiekeer
kes meeLe SHueerkesMeve mesJee eoelee (SSmeHeer) cee@[ue Hej DeeOeeefjle nw. Fme
cee@[ue kes Debleie&le JeJemeee eefleefveefOe, mesJee eoelee kes ceeOece mes yeQkeesb eje
efveegkele efkeS peeles nQ. Gvekees HJeeFb Dee@He meefJe&me (HeerDeesSme) ef[JeeFme eoeve
efkeee peelee nw. efpemekee eeesie kejkes Jes mcee& kee[& Oeejkeesb kes Iej Hej
uesve-osve kejles nw. eenke yeeeescesef^ke eceeCeerkejCe kes peefjS DeHeves mcee&
kee[& kee eeesie kejkes DeHeves Keeleesb kee mebeeueve kej mekelee nw. Fme Heefle
cesb yeermeer eje efkeS ieS meYeer uesveosve yeQke kes meeryeerSme cesb lelkeeue DeeOeej Hej
Dee@veueeFve efveyeees peeles nQ. Heeru[ cesb ueieeF& ieF& HeerDeesSme ef[JeeFme, mcee&
kee[& SkeeGb vebyej (kee[& jefnle) leLee DeeOeej vebyej (SF&HeerSme uesve-osve) kes
DeeOeej Hej meYeer mebJeJenej kejves cesb me#ece nw. JeJemeee eefleefveefOe (yeermeer)
Gmekees Deeyebefle ieebJe cesb efveOee&efjle efoJeme leLee mecee Hej peeles nQ Deewj Jeneb
kes efveJeeefmeeesb kees Iej-ej Hej mesJee eoeve kejles nQ.
efkeeesmke yeermeer cee@[ue

en Jesye DeeOeeefjle SHueerkesMeve nw leLee Fmes eeefOeke=le Jeefkeleeesb eje Gvekes
uewHee@He ee [smkee@He Hej Fbjves keveskeerefJeer kes peefjS Skemewme efkeee
pee mekelee nw. o meer Sme meer F& ieJevesme meefJe&me Fbef[ee efue., SHe DeeF& S
skeveesuee@peer meefJe&mespe ee. efue. leLee peerDeesmebmeej yeQke kees Deeyebefle ieebJeesb cesb
meeLe-meeLe efJeeere meceeJesMeve kees keeee&efvJele kejves kes efueS yeermeer efveegkele
efkeS ieS nw. en kee[& jefnle meceeOeeve nw. KeeleeOeejke, Keelee mebKee ee
DeeOeej mebKee kes DeeOeej Hej Keelee mebeeefuele kej mekelee nw. efkeeesmke,
efkeeesmke Dee@Hejsj kes kebHet=j efmemce. uewHee@He mes Jesye DeeOeeefjle keveskeerJeer
kes ceeOece mes DeeHekes yeQke kes meeryeerSme kes meeLe peg[e ngDee nw. uesve-osve
Dee@veueeFve Hej yeeeescewef^ke eceeCeerkejCe kes ceeOece mes lelkeeue DeeOeej Hej
eesmesme neslee nw. 31 ceee&, 2014 leke DeeHekes yeQke ves 7525 ieebJe, 2780
37
2013-14
efkeeesmke kesbesb kes peefjS keJej kej efueS nw, leLee osMeYej cesb 1034 Menjer
efkeeesmke kesb Yeer mLeeefHele efkeS nw.
ceesyeeFue Jewve
DeeJeMekeleevegmeej Jewve kees yeQeEkeie keee&keueeHe kes eeespeve nsleg Keeme He
cesb leweej efkeee ieee nw. Jewve kee yeenjer efnmmee yeQke kes efJe%eeHeveesb leLee
eeceerCe #es$eesb cesb yeQke eje eoeve keer pee jner met=eveeDeesb leLee GlHeeoesb mes
keJej efkeee peelee nw. Fme ekeej eeceerCe #es$eesb cesb DeeHekes yeQke kes efueS en
Ske efJe%eeHeve ceeref[ee Yeer nw. Jewve cesb meeryeerSme kees Skemewme kejves kes efueS
kebHet=j ne[&Jesej leLee keveskeerefJeer ieebJe cesb yeQeEkeie mesJee eoeve kejves kes
efueS yeQke meHe Yeer Jewve cesb jnlee nw. Jewve Het=Je& efveOeeefjle efove leLee mecee
Hej ceewpet=oe MeeKeeDeesb kes efveke Dee@veueeFve yeweEkeie mesJeeSb eoeve kejves kes
efueS ieebJeesb cesb Iet=celeer nQ. yeQeEkeie mesJeeSb meHleen kes efkemeer efveefMele efove ner
eoeve keer peeleer nw. efHeueneue Gej eosMe, jepemLeeve, iegpejele, GejeKeb[,
efyenej SJeb ieesJee jepe kes 211 ieeJeesb cesb efJeeere mesJeeSb eoeve kejves kes
efueS 15 ceesyeeFue Jewve ueieeF& ieF& nQ.
efye>ke SJeb ceese&j MeeKee
efye>ke SJeb ceese&j MeeKeeSb legueveelceke He mes mebYeeJelee leLee JeJenee&lee
Jeeues ye[s ieeJeesb cesb Keesueer peeleer nQ. Ssmes kesb yeQke kes MeeKee efJemleej
eespevee kees Debeflece He osves kes oewjeve efveOee&efjle efkeS peeles nQ. yeQke kes
SHe DeeF&Heer kes Devegmeej eeuet= efJeeere Je<e& cesb 1554 kes ue#e keer leguevee
cesb 1772 eeceerCe MeeKeeSb Keesueer ieF& nw. DeeHekes yeQke kees yeQeEkeie jefnle
eeceerCe #es$e cesb Yeejleere efj]peJe& yeQke kees emlegle efkeS ieS efJekesbefle
SHeDeeF&Heer kes Devegmeej 334 MeeKeeSb Keesueves nsleg Jeeef<e&ke ue#e efoee
ieee Lee, efpemes efJeeere Je<e& 2014 cesb 430 MeeKeeSb Keesuekej Deemeeveer
mes eeHle kej efueee nw.
efJeeere meceeJesMeve kes lenle yeQke keer veF& Henuesb
efkeeesmke yeQeEkeie cee@[ue
efkeeesmke yeQeEkeie cee@[ue kee MegYeejbYe eer Sme.Sme. cet=bo[e DeOe#e SJeb
eyebOe efveosMeke eje DeeHekes yeQke kes 106JeW mLeeHevee efoJeme DeLee&le 20
pegueeF&, 2013 kees 1000 efkeeesmke Keesuekej efkeee ieee. DeeHekes yeQke
ves meeceeve mesJee kesbesb (meerSmemeerSme) kes meeLe JeJemLee keer nw leeefke
efkeeesmke kesb eueeves kes efueS DeeHekes yeQke kes JeJemeee eefleefveefOe
kes He cesb Gvekeer mesJeeSb ueer pee mekesb. meeceeve mesJee kesb DeeF&ermeer
Fveefyeu[ nesles nQ. pees mejkeejer, efJeeere, meeceeefpeke, efvepeer #es$e keer
mesJeeSb osves, ke=ef<e #es$e, mJeemLe , efMe#ee, ceveesjbpeve, yeQeEkeie yeercee,
HesbMeve, GHeeesefielee Yegieleeve Deeefo cesb eeceerCe mlej Je Menjer kesbesb cesb
ef[ueerJejer kes efueS eejbefYeke mesJee megHego&ieer kesb kes He cesb keee& kejles
nQ. DeeHekes yeQke ves Yeer Menjer/eeceerCe kesbesb cesb ner yeQeEkeie efkeeesmke nsleg
Deve mesJee eoeleeDeesb kees Ssmes Yeer pees[e nw. es efkeeesmke, efkeeesmke
Dee@Hejsj kes kebHet=j efmemce/uewHee@He mes Jesye DeeOeeefjle keveskeerefJeer kes
peefjS DeeHekes yeQke kes meeryeerSme kes meeLe peg[s jnsbies.
Menjer efJeeere meceeJesMeve
eeceerCe Jeefkele efJeeere meceeJesMeve eeemeesb kee cegKe kesb jns nQ keeesbefke
ieebJeesb kee DeefOekeebMe Yeeie DeYeer Yeer yeQeEkeie jefnle nw. ieebJe leLee ot=j ojepe kes
#es$eesb cesb jn jns JeefkeleeeW kes DeueeJee Menjer iejerye DeYeer Yeer meeceeve efJeeere
GlHeeoesb leLee mesJeeDeesb pewmes yeele, $e+Ce, jsefcesbme leLee yeercee leke Hengbe veneR
HeeS nQ Deewj DeHeves efvepeer mJeemLe leLee peerefJekee mebyebOeer DeeJeMekeleeDeesb keer
38
Het=efle& kes efueS ot=mejs meeOeve DeHeveeves kees cepeyet=j nQ, Gvecesb mes yengle mes eJeemeer
cepeot=j KeesceesJeeues leLee PeesHe[Heer Jeeues cepeot=j nesles nQ pees jespeer jeser keer
leueeMe cesb DeHevee ieebJe es[ osles nw. efJeeere meceeJesMeve kes lenle Gvnsb keJej
kejves kes efueS Yeejle mejkeej kes SmeSueyeermeer Heesjce kes peefjS meYeer jepeesb
cesb Ske DeefYeeeve eueeee ieee nw leeefke Fve Demegj#ee Jeeues mecet=nesb kees efJeeere
eCeeueer keer cegKe Oeeje mes pees[e pee mekes. DeeHekes yeQke ves osMe kes efJeefYevve
kesbesb Hej Menjer efkeeesmke keer MegDeele keer nw. eer Sme.Sme.cet=bo[e, DeOe#e
SJeb eyebOe efveosMeke ves efoveebke 19 peveJejer, 2014 kees ceOe eosMe kes njoe
efpeues kes DeyeieebJekeuee cesb Menjer efkeeesmke kee MegYeejbYe efkeee. 31 ceee&,
2014 leke DeeHekes yeQke ves osMe kes efJeefYevve Yeeieesb cesb 1000 mes DeefOeke Menjer
efkeeesmke mLeeefHele efkeS nQ.
Fvoewj #es$e kes njoe efpeues ceW efJeeere meceeJesMeve keee&ece kes oewjeve eer Sme. Sme.
efJeeere meceeJesMeve kes lenle emlegle GlHeeo

Debleefve&efnle Dees[er megefJeOee meefnle yesefmeke yeele yeQke pecee Keelee
Yeejleere efj]peJe& yeQke kes efoMeeefveos&Meesb kes Devegmeej en GlHeeo efJeMes<e He
mes mejue kesJeeemeer ceeveob[esb kes meeLe efJeeere meceeJesMeve Jeeues ieeJeesb kes
Jeefkeleeesb nsleg yeveeee ieee nw. en Keelee efyevee keesF& jeefMe pecee efkeS Keesuee
pee mekelee nw Fme Hej keesF& ob[ venerb ueielee Deewj JeJemeee eefleefveefOe kes
ceeOece mes Keesuee peeSiee. Fme eespevee kes Debleie&le ` 10,000/- leke keer
DeesJej[ê@He megefJeOee GheueyOe nw. eenke eje Keelee Keesueves Hej lelkeeue
` 250/- kee DeesJej[ê@He eeHle nes peelee nw leLee ` 10,000/- leke keer
Ge jeefMe keer DeesJej[ê@He megefJeOee keer GheueyOelee Keeles keer mebeeueve
efmLeefle mes peg[er ngF& nw.
DeeJeleer& pecee (Deej[er) Keelee
en Ske ceveer yewke Deej[er megefJeOee nw pees eueefveefOe eoeve kejves kes efueS
efJeeere meceeJesMeve Keelee Oeejkeesb nsleg efJeefOeJele yeveeF& ieF& nw. en GlHeeo ceveer
yewke megefJeOee oslee nw, : ceen keer meceeefHle Hej, peceekelee& keer DeeJeMekelee
kes Devegmeej Keeles cesb yekeeee pecee jeefMe kes 50.0% kes mecelegue jeefMe kee
JeeHeme Yegieleeve efkeee pee mekelee nw.
ye[ewoe efkemeeve esef[ kee[& (yeerkesmeermeer)
en GlHeeo efkemeeveesb kes efueS nw pees Gvekeer DeeJeMekeleeDeesb pewmes GlHeeove
$e+Ce, efveJesMe $e+Ce, Heme&veue $e+Ce DeeJeMekeleeDeesb Deewj GheYeesee
DeeJeMekeleeDeesb kees keJej kejlee nw. en $e+Ce meercee kee GHeeesie kejves cesb
Heuewkemeeryeue nw. GoenjCele: Jen Je<e& kes oewjeve DeHeveer DeeJeMekeleevegmeej
$e+Ce meercee kee GHeeesie kej mekelee nw.

ye[ewoe pevejue esef[ kee[& (yeerpeermeermeer)
DeeHekes yeQke keer MeeKeeDeesb kes ceeOece mes yeerpeermeermeer keeee&efvJele efkeee ieee
nw. Fme eespevee kes Debleie&le $e+Ce megefJeOee eoeve keer peeleer nw. efpemekes Debleie&le
Geceer keer keee&Meerue Het=bpeer leLeer ceereeoer $e+Ce DeeJeMekeleeSb Meeefceue nQ.
ye[ewoe mJeeefYeceeve megj#ee (kece eerefceece Jeeuee yeercee)
DeeHekes yeQke ves Fbef[ee-Hem& ueeFHe FbMeesjsbme kebHeveer kes meeLe mecevJee kejkes
efJeeere meceeJesMeve eenkeesb kes efueS kece eerefceece Jeeuee Ske peerJeve yeercee
GlHeeo Yeer Meg efkeee nw. en eenkeesb kees Heebe Je<e& keer DeJeefOe nsleg 20.88
eefle npeej kes eEmeieue eerefceece Hej ` 5,000/- mes ` 50,000 leke kee keJej
uesves keer Deemeeve megefJeOee oslee nw.
efJeeere mee#ejlee - meHeue efJeeere meceeJesMeve kee cetue efmeeble
efJeeere meceeJesMeve kee Jeebefle GsMe kesJeue leYeer eeHle efkeee pee mekelee nw
peye yeQke ieebJeesb mes meceeve eefleefeee eeHle kejves cesb meceLe& neW. eeceerCeesb mes
Devegketue eefleefeee kes GsMe mes yeQke kees Gvnsb efJeefYevve yeQeEkeie megefJeOeeDeesb
Deewj Fvekes ueeYe keer peevekeejer osves keer DeeJeMekelee nw. ot=mejs MeyoeW cesb,
efJeeere mee#ejlee efkemeer yeQke keer efJeeere meceeJesMeve keer cetue Henue keer
meHeuelee keejke nesieer. FmeefueS efJeeere meceeJesMeve kes meYeer Iekeesb kees
hejmhej meneesie efJekeefmele kejves keer DeeJeMekelee nw pees kesJeue yeQeEkeie
mesJeeSb eoeve kejves kes efueS ner venerb, yeefuke peneb Yeer keesF& yeQke efJeeere
meceeJesMeve keee&ece kee efeeevJeeve kej jne nw, efJeeere mee#ejlee kes
ceeOece mes peve mecegoee ceW yeQeEkeie Deewj yeQeEkeie GlHeeoesb mebyebOeer peeiekelee
Hewoe keer pee mekeleer. DeeHekes yeQke keer eEueke MeeKeeSb efJeefYevve Heesjceesb Hej ieebJe
kes efveJeeefmeeesb kees yew"keeW / mecyeesOeve kes peefjS efJeeere mee#ejlee DeefYeeeve
euee jner nw.
efJeeere meceeJesMeve mes mebyebefOele efe$e hegmleke kes MegYeejbYe kes DeJemej hej eer Sme.
Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke
DeeHekes yeQke ves osMe kes eeceerCe efnmmeeW cesb efJeeere mee#ejlee keer efoMee cesb
efvecveefueefKele ecegKe Henuesb keer nw.
ye[ewoe mJejespeieej efJekeeme mebmLeeve (ye[ewoe Deejmeser) ye[ewoe mJejespeieej
efJekeeme mebmLeeve 2003 cesb yeQke eje yeveeee ieee Ske ^m nw pees eeceerCe
Deewj De& Menjer #es$eesb cesb yesjespeieej egJeeDeesb kees eefMe#eCe osves Deewj Gvekee
Gece mLeeefHele kejves cesb ceoo kej jne nw. DeeHekes yeQke ves Het=js osMe cesb
47 Ssmes kesb mLeeefHele efkeS nQ efJeeere Je<e& 2014 kes oewjeve Fve kesveW ceW
33,974 egJee efnleeeefneeW kees eefMeef#ele efkeee ieee. FveceW mes 22,297
eefMe#eCeeefLe&eesb ves meHeueleeHet=Je&ke DeHeves Gece mLeeefHele kej efueS nQ.
eefMe#eCeeLeer& leLee JeJemeee mLeeefHele kejves Jeeueesb kee mesuecesb DevegHeele
65.63% Lee.
2013-14
Hetj= s osMe cesb ueieYeie 46 efJeeere mee#ejlee SJeb $e+Ce HejeceMe& kesb (SHeSuemeermeer)
meejLeer keee&jle nQ. Fve efJeeere mee#ejlee SJeb $e+Ce HejeceMe& kesbesb kes eejbYe
mes Deye leke ueieYeie 19731 Jeefkele Fve kesbesb ceW hejeceMe& nsleg DeeS Deewj
10460 ekejCeesb cesb, meceeOeeve GheueyOe kejeS ieS nQ.
ueieYeie 52 ye[ewoe eeceerCe HejeceMe& kesb eeceerCe #es$eesb cesb cet=ueJeef&le mesJeeDeesb
Deewj efJekeeme ieefleefJeefOeeesb nsleg efJeeere efMe#ee, $e+Ce HejeceMe&, lekeveerkeer ceeceueesb
Hej meteveeDeeW kes Deeoeve-eoeve kejves GvnW meguePeeves, Deve mebie"veesb kes meeLe
mebeespeve SJeb mebHeke& keer megefJeOee os jns nQ.
ceesyeeFue ceeFees HeeFvesbme ueesve Hewkeêr, SmeSepeer- yeQke eEuekespe keee&ece
kes Debleie&le mJeeb meneelee mecetneW (SmeSepeer) kees Gvekeer onueerpe Hej $e+Ce
SJeb yeQeEkeie megefJeOee GheueyOe kejeves, DeefOekelece eej efove cesb HejsMeeveer cegkele
Deewj MeerIe $e+Ce ef[ueerJejer megefveefMele kejves SJeb SmeSepeer kees mentefueele mes
$e+Ce osves kes GsMe mes mLeeefHele keer ieF& nw.
yeerJeeeSmeer- yee@ye Gece-Je=efe Geceer efJekeeme keee&ece (yeerJeeeSmeer)
$e+Ce, JeJemeee meueenkeej, eefMe#eCe vesJeeEke&ie SJeb ceekes&eEie kes He cesb
Jebefele egJee SJeb ieefleMeerue GeefceeeW kees mechetCe& ceeFees meceeOeeve GheueyOe
kejelee nw.
ele#e ueeYe DeblejCe ([eryeerer), SueHeerpeer meefyme[er nsleg, ele#e

ueeYe DeblejCe ([eryeererSue)
Yeejle mejkeej leLee jepe mejkeejsb efJeefYevve mejkeejer eeeesefpele keee&eceesb kes
Debleie&le ueeYeeefLe&eesb kees efJeefYevve meefyme[er, HesbMeve, e$eJe=efe, cevejsiee Yegieleeve
Deeefo osleer nw. Fvecesb mes yengle mes Yegieleeve vekeo efJelejCe eCeeueer kes ceeOece
mes efoS peeles nQ. Fme Heefle cesb ceewpet=oe efJemebieefleeeW kees Oeeve cesb jKekej,
mebyebefOele mejkeejer efJeYeeie ves eespevee yeveeF& efke Fme ekeej kes Yegieleeve kees
Fueskeêefveke Heefle mes ueeYeeLeer& kes Keeles cesb ele#e pecee efkeee peeS.
[eryeerer Yegieleeve kes Debleie&le Deye leke 34 ekeej keer mejkeej keer eespeveeDeesb
kee efveOee&jCe ngDee nw. efHeueneue mejkeej ves 121 efpeueesb cesb [eryeerer eespevee
ueeiet= keer nw. Fmekes DeueeJee Yeejle mejkeej ves GlHeeokeesb kees Deele#e He
mes meefyme[er osves kes mLeeve hej, meefyme[er SueHeerpeer iewme efmeuesb[j kes Iejsuet=
GHeYeeskeleeDeesb kees meerOes [eryeerer eespevee kes peefjS osves kee efveCe&e efueee
nw. [eryeererSue eespevee pegueeF& 2013 mes ejCeye He cesb 291 efpeueesb cesb
Meg keer ieF& nw. en DeHes#ee keer peeleer nw efke [eryeerer/[eryeererSue Heefle mes
efJelejCe cesb eesjer Deewj efJemebieefleeeb ot=j keer pee mekesieer Deewj Fmemes mejkeej
leLee ueeYeeLeer& oesveesb kees ueeYe nesiee. DeeHekes yeQke ves [eryeerer/[eryeererSue
keer MegDeele kes efueS eenke kes Keeleesb kes meeLe DeeOeej eEueke megefJeOee
efJekeefmele keer nw. DeeHekes yeQke ves [eryeerer/[eryeererSue kes efueS efveOee&efjle
efpeueesb cesb ueeYeeefLe&eesb kes Keeles Keesueves leLee Gvnsb DeeOeej mes pees[ves nsleg
keQhe Deeeesefpele efkeS nQ. DeeHekes yeQke keer MeeKeeSb [eryeererSue ueeYeeefLe&eesb
mes Fve efpeueesb cesb, efpevekee efveOee&jCe [eryeererSue nsleg ngDee nw, Gvekes Keeles
Keesueves leLee Gvnsb DeeOeej mes pees[ves nsleg Gvemes mebHeke& kej jner nw pees
MeeKee kes vepeoerke jnles nQ.
efJeeere Je<e& 2014 cesb efJeeere meceeJesMeve kes Debleie&le yeQke keer GheueefyOeeeb
l DeeHekes yeQke ves 11,124 ieeJeesb kes ue#e keer leguevee cesb 14,161 ieeJeesb kees
keJej efkeee nw.
DeeHekes yeQke ves 63.74 ueeKe kes ue#e keer leguevee cesb 74.66 ueeKe yesefmeke
yeele yeQke pecee Keeles Keesues efpemecesb mes 18.71 ueeKe Keeles JeJemeee
eefleefveefOe kes ceeOece mes Keesues ieS.
39
2013-14
DeeHekes yeQke cesb yesefmeke yeele yeQke pecee Keeleesb cesb ueieYeie `1918 kejes[
yekeeee Mes<e nw.
DeeHekes yeQke ves yesefmeke yeele yeQke pecee Keeleesb cesb `6.22 kejes[ kes ue#e
keer leguevee cesb `11.31 kejes[ kee DeesJej[êHe cebpet=j efkeee nw.
DeeHekes yeQke ves yeermeer cee@[ue kes keee& kees mego={lee eoeve kejves kes efueS
2000 mes DeefOeke keer Deeyeeoer Jeeues ieebJeeW cesb 2584 Deuê mcee@ue MeeKeeSb
Keesueer nQ.
JeJemeee Je ueeYe keee&efve<Heeove

efJeeere Je<e& 2014 kes oewjeve yeQke keer efJeosMeer MeeKeeDeesb ves kegue JeJemeee
cesb 33.3% keer Je=ef ope& keer peyeefke eenke peceejeefMeeesb cesb 33.2%, kegue
peceejeefMeeesb cesb 43.6%, Deefeceesb cesb 20.2% keer Je=ef ope& ngF&.
efJeeere Je<e& 2014 kes oewjeve DeeHekes yeQke kes JewefMJeke keejesyeej cesb Debleje&êre
Heefjeeueve ves 32.6% kee cenlJeHet=Ce& eesieoeve efoee.
DeeHekes yeQke ves ceee& 2016 leke 21526 ieebJeesb kes efueS SHeDeeF&Heer
kees efeeeefvJele kejves kes efueS MeeKee mlej leke He=LekeerkejCe eespevee
Devegceesefole keer nw.
DeeHekes yeQke ves meejs osMe cesb cesês Je Menjer kesbesb kes efJeefYevve mLeeveesb Hej
1000 mes DeefOeke efkeeesmke Keesuekej Menjer efJeeere meceeJesMeve [êFJe
keer MegDeele keer nw.
meeLe ner, DeeHekes yeQke kes efJeeere Je<e& 2014 kes efueS He=LekeerkejCe
SHeDeeF&Heer kes Debleie&le meYeer ue#eesb kees Heej kej efueee nw.
Debleje&êre Heefjeeueve
Je<e& 2013-14 kes oewjeve efJeMJe keer DeLe&JeJemLee cesb Je=ef DeHes#eeke=le
Oeerceer jner. peyeefke et=jes #es$e cesb oerIe&keeefueke ceboer Deblele: meceeHle nes
ieeer. et=veeFs[ ms Yeer DeeefLe&ke o=ef mes keg no leke mego={ ngDee.
keg GYejleer ngF& DeLe&JeJemLeeSb pewmes Yeejle pees efHeues oes Je<ees mes ceboer
Pesue jner Leer Gvecesb meeceeve He mes megOeej ngDee. Debleje&êre keee& #es$e
cesb DeeHekes yeQke kee keee&efve<Heeove efvejblej GuuesKeveere jne Deewj en mego={
ngDee. DeeHekes yeQke kes Debleje&êre Heefjeeueveesb cesb Devegket=ue JeJemeee leLee
ueeYeeoee cesb Je=ef yeveer jner.
Deheveer keeee&ueeerve etieeb[e efJeefpe kes oewjeve eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe
efveosMeke, yeQke Dee@]He etieeb[e kes ieJeve&j eer er. F&. ceglesefyeue kes meeLe
kegue Deeefmleeeb
DeeHekes yeQke kes Debleje&êre Heefjeeueve keer kegue Deeefmleeesb cesb Je<e&-oj-Je<e&
DeeOeej Hej 39.1% keer GuuesKeveere Je=ef ngF&. es Deeefmleeeb ceee& 2013
kees meceeHle DeJeefOe kees `1,66,460 kejes[ mes ye{kej ceee& 2014 cesb
` 2,31,552 kejes[ nes ieF&.
ueeYe
Oeerceer Je=ef leLee ceeefpe&ve yeveeS jKeves Hej oyeeJe kes yeeJepet=o Fme DeJeefOe cesb
Yeer DeeHekee yeQke efJeeere Je<e& 2014 cesb efHeueer Je<e& kes meceeve ner mekeue ueeYe
kes mlej kees yeveeS jKeves cesb meHeue jne. en efJeosMeer heefj#es$e eje efkeS ieS
mekeejelceke GHeeeesb leLee yeoueles HeefjJesMe cesb Devegket=ueve #ecelee kes keejCe ngDee
nw. Je<e& kes oewjeve Meg ueeYe cesb 22.2% keer Je=ef ngF&.
yeQke kes JeweMf Jeke Meg ueeYe cesb Debleje&e^ r e Heefjeeueve kee eesieoeve 25.4% jne.
cegbyeF& ceW JeeJemeeefeke veerefle efveoxMe 2013-14 (Devleje&êre heefjeeueve) kes efJeceeseve kes
DeJemej hej eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke Deewj Deve heoeeefOekeejer
DeeHekes yeQke ves efJeMJeYej cesb eenkeesb kees mesJeeSb eoeve kej Ske ecegKe Yeejleere
yeQke kes he cesb DeHeveer ceekes& HeespeerMeve yeveeS jKeer. efJeosMeer kesbesb ves
Debleje&êre ceekes& cesb DeJemejesb kee ueeYe G"eves kes efueS ueieeleej erce kes He
cesb keee& kejvee peejer jKee. eenkeesb kees meblegef eoeve kejves kes efueS DeeF&er
Fbeem^keej cesb veF& Henue keer ieF&. DeeHekes yeQke ves et=.S.F&, lebpeeefveee leLee
egieeb[e leerve osMeesb cesb eleske cesb Ske-Ske MeeKee Keesuekej DeHeveer GHeefmLeefle
kee Deewj efJemleej efkeee.
40
efJeosMeer Heefjeeueve cesb Deeefmle iegCeJeee

yeQke keer mecee efmLeefle kees efveOee&efjle kejves cesb Deeefmle iegCeJeee yengle ner
cenlJeHet=Ce& nw. DeeHekes yeQke kes Heeme efJeosMeer kesbesb Hej $e+Ce Hees&Heesefueees leLee
$e+Ce eyebOeve mebyebOeer keee&eceesb keer iegCeJeee megefveefMele kejves kes efueS me#ece
$e+Ce cee@veereEjie eCeeueer nw.
DeYeer neue kes Je<ees cesb JewefMJeke ceboer ves efJeMJe DeLe&JeJemLee kes meYeer #es$eesb
kees eYeeefJele efkeee nw. Fmemes cepeyet=le Deeefmle iegCeJeee Hej oyeeJe ye{ ieee
nw. DeeHekes yeQke kes efJeosMeer heefj#es$eesb cesb oyeeJeemle leLee Hegveie&ef"le Keeleesb keer
cee@veereEjie ueieeleej keer pee jner nw.
efJeeere Je<e& 2014 kes oewjeve efveJeue Deefeceesb cesb efHeues Je<e& keer leguevee cesb
20.2% keer ye{esejer ngF&. DeeHekes yeQke ves Deeefmleeesb keer iegCeJeee yeveeS jKeves
kes efueS yesnlej eeeme efkeS. ceee& 2014 cesb Debleje&êre Heefjeeueve kee mekeue
SveHeerS eefleMele Deblejeêre Heefjeeueveesb kes kegue Deefeceesb kee ceee& 2014 cesb

1.57% Lee peyeefke ceee& 13 cesb en 1.37% Lee.
DeeHekes yeQke keer Debleje&êre GHeefmLeefle

DeeHekes yeQke keer Debleje&êre GHeefmLeefle DeHeveer 102 MeeKeeDeesb /keeee&ueeesb kes
meeLe 24 osMeesb cesb efvecveevegmeej nw.
efJeJejCe
yeQke keer DeesJejmeerpe MeeKeeSb/keeee&uee
yeQke kes eefleefveefOe keeee&uee
yeQke keer efJeosMeer Deveg<ebefieeesb keer MeeKeeSb
kegue
mebKee
60
1
41
102
yeQke kes efvecveefueefKele mebegkele GHeece / meneesieer FkeeFeeb Yeer nQ:

1. Fb[es peeefcyeee yeQke efue, peeefcyeee cesb 25 MeeKeeSb
2. Fbef[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er, ceuesefMeee cesb 1 MeeKee
efJeeere Je<e& 14 cesb efJeosMeer efJemleej

efJeeere Je<e& 2014 kes oewjeve DeeHekes yeQke ves 3 veF& MeeKeeSb/keeee&uee Keesues.
Je<e& kes oewjeve Meeefyeee et=.S.F& cesb FueSkeêefveke yeQeEkeie meefJe&me et=efve
Heefjeeefuele keer ieF&. Fmekes DeueeJee keefjeeket=, lebpeeefveee cesb leLee keesueesuees
et=ieeb[e cesb oes MeeKeeSb Keesueer ieF&.
efJeosMeer JeJemeee nsleg YeeJeer eespeveeSb
yeQke kee Heefjeeueve cepeyet=le kejves leLee ceekes& Mesej cesb megOeej/yeveeS jKeves
keer o=ef mes DeeHekes yeQke ves Gve osMeesb cesb Yeer efJemleej keer eespevee yeveeF& nw
peneb Jen Henues mes ner efJeeceeve nw. DeeHekes yeQke ves JeJemeee keer ueeYeeo
Je=ef nsleg DeJemej eoeve kejves kes efueS veS osMeesb cesb Yeer GheefmLeefle ope& kejves
keer eespevee yeveeF& nw.
2013-14
efJeosMeer Heefjeeueve cesb eEme[erkesMeve mesbj

DeeHekes yeQke kee uebove cesb iueesyeue eEme[erkesMeve mesbj Deewj ogyeF& SJeb eEmeieeHegj cesb
jerpeveue eEme[erkesMeve mesbj efmLele nw. peneb Debleje&êre yeepeej kes eEme[erkesMeve
$e+Ceesb kes JeJemeee Hej Oeeve kesbefle efkeee peelee nw. DeeHekes yeQke ves keeHees&js
keeee&uee, cegbyeF& cesb Ske Debleje&êre cees yeQeEkeie ke#e (DeeF&Sceyeermeer) mLeeefHele
efkeee nw pees cegKe He mes Yeejleere keeHees&jsdme keer DeeJeMekeleeDeesb kees Het=je
kejlee nw. meeLe ner meeLe Yeejleere keeHees&jsdme mes JeJemeee kewveJeeme kejves
kes efueS jerpeveue eEme[erkesMeve mesbj keer meneelee Yeer kejlee nw. DeeHekee yeQke
eEme[erkesMeve ueesve ceekes& SJeb $e+Ce DeesefjefpevesMeve Yeeieeroejer cesb Yeer meefee
jne nw.
efJeosMeer JeJemeee - GlHeeo Deewj mesJeeSb
DeeHekee yeQke efJeefYeVe heefjeeueve #es$eeW ceW ossMe-efJeosMe kes efueS mLeeveere pejleesb
kes Devegmeej DeeJeMekeleevegHe GlHeeo Deewj mesJeeSb eoeve kej jne nw. DeeHekee
yeQke Debleje&êre ceekes& keer JeJemeee, DeeJeMekeleeDeesb kes DevegHe ner
Debleje&êre ceekes& cesb Glke= GlHeeo Deewj mesJeeSb eoeve kej jne nw.
DeeHekes yeQke cesb DeHeveer meYeer DeesJejmeerpe MeeKeeDeesb Deewj Deveg<ebefieeesb kes efueS
Ske eEmeieue keesj meesuet=Meve GheueyOe nw. en veS GlHeeoesb Deewj mesJeeDeesb keer
peevekeejer osves keer megefJeOee oslee nw leLee Heefjeeueve Jeeues osMe kes eenkeesb keer
DeeJeMekeleeDeesb kes DevegHe leyeoerueer/megOeej kejves cesb Yeer meneelee kejlee nw.
efJeosMeer wjerjerpe cesb eeweesefiekeer

l 31 ceee&, 2014 kees meceeHle DeJeefOe cesb efJeosMeer keeee&ueeesb SJeb Deveg<ebefieeesb
cesb SerSce keer mebKee ye{kej 91 nes ieF& nw. (55 Dee@vemeeF SJeb 36
Dee@HemeeF) pees 31 ceee&, 2013 kees 89 (54 Dee@vemeeF SJeb 35
Dee@HemeeF) Leer.
[sefye kee[&/SerSce kee[& peejer kejves kee keee& 10 efJeosMeer sjerjerpe/
Deveg<ebefieeesb cesb keeee&efvJele efkeee ieee nw. efpevecesb mes 4 sjerjerpe /
Deveg<ebefieeesb iueesyeue Hescesb skeveesuee@peer kebHeveer cew. Jeermee kes meeLe eF&DeHe keer JeJemLee keer ngF& nw. Fmeer ece cesb Deesceeve sjerjerpe, ieeevee,
et=biee[e leLee kesvee meefyme[erejerpe cesb Jeermee eeefOeke=le kejves kee keee&
eieefle Hej nw.
yengle meer sjerjerpe /meefyme[erejerpe cesb efeHe DeeOeeefjle et=SF& wjerjerpe

cesb F&.Sce.Jeer (efeHe kee[dme&) kee keeee&vJeeve Het=je nes egkee nw leLee Deesceeve
Je cee@jermeme cesb keeee&vJeeve kee keee& eieefle Hej nw.
Fbjves yeQeEkeie (ye[ewoe keveske) 14 efJeosMeer sjerjerpe/Deveg<ebefieeesb cesb

keeee&efvJele keer ieF& nw. eLee 1. et=.S.F&. 2. et=veeF&s[ eEkeie[ce 3. Deesceeve
4. cee@efjMeme 5. efHepeer 6. mewMeume 7. Deem^sefueee (Jet=) 8.kesvee 9.
et=ieeb[e 10. yeeslmeJeevee 11. vet=peeruewb[ 12. Ieevee 13. lebpeeefveee (Jet=
yesm[) 14. et=.Sme.S (Jet yesm[). Fme efJeeere Je<e& cesb et=.Sme.S wjerjer
kees pees[e ieee. ef$eefveoeo Je esyesiees kes efueS Fbjves yeQeEkeie keeee&vJeeve
eieefle Hej nw leLee iegeevee meefyme[erejerpe cesb Fmes Deieues efJee Je<e& ueeiet=
efkeee peeSiee.
Deeyet Oeeyeer, etSF& ceW Meeefyeee efmLele yeQke keer veF& Fueskeêefveke yeQefkebie etefve kee
GodIeeve kejles ngS eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke
et=.S.F&., et=kes, kesvee, lebpeeefveee leLee Ieevee cesb vesJeke& kee efJemleej kejves
kes efueS DeeJeMeke cet=ueYele mebjevee leweej keer pee jner nw.
Yeejle kes meeJe&peefveke #es$e kes yewkeesb kes efJeosMeer efJemleej kes mebyebOe cesb efJee
ceb$eeuee, Yeejle mejkeej eje peejer efkeS ieS efJeefYevve efveos&Meesb kes Devegmeej
ner efJeosMeer efJemleej Hej efJeeej efkeee peelee nw.
ee@[ cesvespecesb meesuet=Meve (2SHeS), vet=peeruewb[, et=.S.F&, et=.kes. et=ieeb[e

leLe kesvee keer Fbjves yeQeEkeie cewb keeee&efvJele kej efoee nw leLee F&yeweEkeie mcee& Heesve Fve sjerjerpe/Deveg<ebefieeesb kes efueS Fvesyeue kej efoS
nw. yeeslmeJeevee, efHepeer, Deesceeve, ceeefjMeme, mewMeume leLee Ieevee heefj#es$eeW
/ Deveg<ebefieeeW ceW SHeSceSme keeee&vJeeve eieefle hej nw.
41
2013-14
meYeer wjerjerpe/Deveg<ebefieeesb kes efueS (et=.Sme.S. kees es[kej) kesberke=le

efmJeHe ieefleefJeefOe kee efeeevJeeve Het=je efkeee pee egkee nw Deewj en
[ee mesbj mes Heefjeeefuele keer pee jner nw. et=.Sme. wjerjerpe ves efmJeHe
keee&keueeHeesb keer eesmeseEmeie kes efueS cew. Heb[wke kes meeLe DeeGmeeseEme&ie
kejej efkeee nw.
efJeeere Je<e& 2014 kes oewjeve SSceSue Fjwpe (yewe cees[) meesuet=Meve kees
Deem^sefueee cesb keeee&efvJele efkeee nw. SSceSue Fjspe meesuet=Meve Deye meYeer
efJeosMeer heefj#es$eeW/Deveg<ebefieeesb et=.Sme. kes DeueeJee cesb GheueyOe nw. et=Sme
wjerjerpe ves Dee@veueeFve SSceSue leLee DeesSHeSmeer mkeseEveie kes efueS cew.
Heb[ske kes meeLe DeeGmeeseEmeie kejej efkeee nw. Dee@veueeFve uesve-osve
mebyebOeer peebe eeFce kebHueebFme met= kes ceeOece mes keer peeleer nw.
Fme efJeeere Je<e& cesb iueesyeue ^spejer mee@uet=meve [erDeeF&SHemeer ogbyeF& cesb
keeee&efvJele efkeee ieee. Deye peererHeer meesuet=Meve, et=.Sme., et=.kes,
yeneceeme, yenjerve, nebiekeebie, eEmeieeHegj, yesefupeece leLee [erDeeF&SHemeer
ogbyeF& cesb GheueyOe nw.
eske ^bkesMeve Je Dee@escews[ keueereeEjie neGme kee keeee&vJeeve ef$eefveoeo

Je esyesiees, mewMeume leLee yeeslmeJeevee cesb eue jne nw.
efJeosMeer wjerjerpe/Deveg<ebefieeeW cesb meYeer mebJeJenejesb kes efueS Sce Sce Sme
Yespeves kee keee& Debeflece He ues egkee nw. 6 wjerjerpe /Deveg<ebefieeesb (efHepeer,
iegeevee, etieeb[e, yeeslmeJeevee, eerve leLee kesvee) kes efueS keeee&vJeeve
eue jne nw.
eEJe[es Skeme Heer kes efueS wkeveerkeue meHees& yebo nes peeves keer o=ef mes DeeHekes
yeQke ves DeHeves efJeosMeer sjerjerpe/Deveg<ebefieeesb kes meYeer Heermeer/SerSce cesb
ceeFees eEJe[es Skeme Heer mes ceeFees efJe[esb 7 cesb ceeF&esMeve keer eefeee Meg
kej oer nw.
$e+Ce peesefKece nsleg ceevekeerke=le o=efkeesCe yeepeej peesefKece nsleg ceevekeerke=le

DeeJeefOeke Heefle SJeb Heefjeeueveiele peesefKece nsleg yesefmeke Fbef[kesj Heefle
kees DeHevee efueee nw.
Deebleefjke esef[ jseEie nsleg yee@ye jwce cee@[ue kees efJeosMeer kesveW ceW keeee&efvJele
efkeee ieee nw. Fmeves Deefece Keeleesb mes mebyebOeer cenlJehetCe& peevekeejer eeHle kejkes
esef[ cee@efveeEjie eefkeee kees Deewj DeefOeke meMekele efkeee nw.
DeeHekes yeQke kes meYeer efJeosMeer kesbesb Hej Deeefmle Jeieer&kejCe SJeb $e+Ce cee@efveeEjie
nsleg Ske efJeMes<e cee@[ue keeee&efvJele efkeee ieee nw.
efJeosMeer Heefjeeueveesb cesb efJeefveeeceke DevegHeeueve

DeeHekes yeQke keer eeflee Ske efveeceHeeueke yeQke kes He cesb jner nw. mebyebefOele
osMeesb kes efJeefveeeceke ceeveob[esb kee meKleer mes Heeueve megefveefMele kejves kes efueS
efJeosMeer kesbesb Hej meceefHe&le DevegHeeuevee DeefOekeejer HeomLe efkeS ieS nQ.
megJeJeefmLele DevegHeeuevee {ebee megefveefMele kejlee nw efke yeQke kes DevegHeeueve
mebyebOeer cegs mecee mes efveHeeS peeles nQ. DevegHeeuevee ceeceueesb keer osKe-jsKe kes
efueS DeeHekes yeQke ves efJeosMeer kesbesb Hej meceefHe&le DeefOekeeefjeesb kees HeomLe efkeee
nw efpevekes keewMeue cesb eefMe#eCe SJeb Deve lejerkeesb mes ueieeleej Je=ef keer peeleer
nw. DeeHekee yeQke DevegHeeuevee kees kesJeue efJeefveeeceke DeeJeMekelee kes He cesb
ner venerb osKelee yeefuke DeHeveer leLee DeHeves MesejOeejkeesb kes efnle Deewj eeflee
keer megj#ee kes He cesb ueslee nw.
meYeer efJeosMeer keeee&ueeesb/Deveg<ebefieeesb kes efueS Gvekeer mebyebefOele efJeefveeeceke
DeeJeMekeleeDeesb kes Devegmeej yeQeEkeie kes efueS efJeefYevve #es$eesb cesb veerefle/
efveece yeves nQ. efJeefveeeceke efoMeeefveos&Meesb SJeb DeeJeMekeleeDeesb kes DevegHe
DevegHeeueve megefveefMele kejves kes efueS Fvekeer mecee-mecee Hej meceer#ee
keer peeleer nw.
^spejer Heefjeeueve
eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke eje veteeke& MeeKee ceW Fvjves
yeQefkebie mesJeeDeeW kee eleerkeelceke MegYeejbYe
efJeosMeer Heefjeeueveesb cesb peesefKece eyebOeve

Debleje&êre yeQeEkeie heefjMe cesb Jeehle Deefleefje peesefKece mes efveHeves kes efueS
DeeHekee yeQke efJeosMeer kesbesb Hej Ske cepeyet=le peesefKece eyebOeve Heefle jKelee nw.
esef[, ceekes& Je Heefjeeueve peesefKeceesb mes efveyeves kes efueS Deueie mes peesefKece
eyebOeve efJeYeeie keer mLeeHevee keer ieF&. efJeosMeer kesbesb Hej peesefKece eyebOeve cesb
efJeMes<e%e esCeer kes peesefKece eyebOeke jKes ieS nQ.
31 ceee& 2008 mes DeeHekes yeQke kes meYeer efJeosMeer keeee&ueeesb Hej
yeemesue II efoMeeefveosMeesb kees keeee&efvJele efkeee ieee Lee Deewj DeeHekes yeQke ves
42
DeeHekes yeQke cesb ye[ewoe meve e@Jej keeHees&js keeee&uee, cegbyeF& cesb Deefle
DeeOegefveke [ereEueie ce keee&jle nw. Fme [ereEueie ce kes ceeOece mes DeeHekee
yeQke ^spejer HeefjeeueveeW kees Het=je kejves kes efueS Het=jer lejn leweej nw leLee
ceekes& cesb veJeervelece met=eveeDeesb kes meeLe keoce mes keoce efceueekej euelee
nw. DeeHekes yeQke kee ^spejer ef[Jeerpeve Iejsuet= Heefjeeueve kee keee& mebeeefuele
kejlee nw leLee efJeefYevve ceekes& keee&keueeHeesb pewmes efJeosMeer cege, yeepe ojsb,
meeJeefOe Deee, [sjerJesefJme, FefkeJeer Deewj Deve JewkeefuHeke Deeefmle esefCeeesb
kee keee& osKelee nw. DeeHekee yeQke DeHeves eenkeesb kees keF& efJeeere mesJeeSb
eoeve kejves kes efueS Deefle DeeOegefveke eewefeefiekeer HuesHeece& kee GHeeesie
kejlee nw. Fve mesJeeDeesb cesb yeepe oj mJewHe, cege mJewHe, Jeeeoe SJeb DeeHMeve
megefJeOeeSb Meeefceue nQ.
mebHet=Ce& osMe cesb efJeosMeer cege mebJeJenej kejves Jeeueer eeefOeke=le MeeKeeDeesb kes
eenkeesb keer pejleesb keer Het=je kejves kes efueS Ske Deefle DeeOegefveke mJeeeefuele
[ereEueie eCeeueer mLeeefHele keer ieF& nw. meceer#eeOeerve Je<e& kes oewjeve efyepevesme
eesmesme jer FbefpeveereeEjie kes He cesb [erDeeF&SHeSme, ogyeF& ceW iueesyeue ^spejer
meesuet=Meve meHeueleeHet=Je&ke keeee&efvJele efkeee ieee.
2013 keer ieceer& kes ceewmece kes oewjeve efJeMJeJeeHeer GYejles yeepeejesb cesb et=.Sme.
kes DeeGHeuees keer mebYeeJelee cee$eelceke He cesb kece nesves keer mebYeeJevee
Leer. Yeejleere yeepeejesb ves Hees&Heesefueeesb efveJesMe kes ecegKe DeeGHeuees kees
cenmetme efkeee. Keemekej [s mesbiecesb pees Henueer ceener kes oewjeve lespeer

mes Ielee-ye{lee jne. efpemekes HeuemJeHe eeuet= Keelee Ieee eefleket=ue
nesves kes meeLe-meeLe [s Je FefkeJeer ceekes& mes yeefnie&ceve Hees&Heesefueees
eEeleepeveke yevee jne. Deiemle 2013 ceW HeS kee DeJecet=ueve 68.84 leke
Hengbe ieee. [s mesiecesb cesb DeeJeke ueeves kes efueS Yeejleere efj]peJe& yeQke ves
efjHees oj leLee ceepeer&veue mweEv[ie Hewefmeueer oj 200 DeeOeej Debke leLee
Heefjeeefuele ceveer ceekes& oj SceSmeSHe 10.25% leke ye{e oer. DeefOeMes<e
Sme Sue Deej eefleYet=efleeesb kes Hess SueSSHe efjHees kes lenle efveefOeeesb kee
mecee Deeyebve yeQeEkeie Heefle mes Meg ceebie Je mecee oselee (Sve[ererSue)
kees 0.50% leke meerefcele kej efoee. Fmeer ece cesb yeQkeesb kes efueS DeHesef#ele
Lee efke Jes DeHeveer kegue DeeJeMekeleeDeesb kee vet=velece 99.0% (Henues 70%)
meerDeejDeej yeveeS jKesb.
2013-14
DeeHekes yeQke kee ^spejer efce[ Dee@efHeme efveosMeke ceb[ue eje efveOee&efjle yeepeej
SkemHeespej meercee kees JeemleefJeke mecee kes DeeOeej Hej cee@efvej kejlee
nw. Jewuet= S efjmke (yeerSDeej) peesefKece eyebOeve Hewjeceerj meefnle meYeer
Hees&Heesefueeesb Hej yeepeej peesefKece kees Deekeefuele kejves kes efueS eeesie cesb
ueeee peelee nw. Fve GHeeeesb kees peesefKece vebyejesb Hej yewke seEmie kes meeLe
meceefLe&le jKee peelee nw Deewj kejsbmeer Hees&Heesefueeesb leLee efJeefYevve efveJesMeesb
keer m^wme seEmie keer peeleer nw.
keeHees&js meeceeefpeke oeefelJe (meerSmeDeej)
yeee HeefjefmLeeesb kes efmLej nesves kes heMeele DemLeeF& GHeeeesb kees Jeeheme uesles
ngS Yeejleere efj]peJe& yeQke ves meerHeerDeeF& Hej efvejblej oyeeJe kees kece kejkes jsHees
oj cesb 75 DeeOeej Debkeesb kees ye{esejer kej Fmes 8% kej efoee.
DeeHekee yeQke Henues oes ceen cesb lespeer mes ngF& efiejeJe Deewj yeeo cesb ye{esejer
nesves Hej GheueyOe DeJemejesb Deewj yeQke kes efveOee&efjle Deee efveJesMe kees ye[er
elegjeF& mes mebeeefuele kejves cesb meHeue jne. DeeHekes yeQke ves Hees&Heesefueeesb
cesb yeeb[ kees pees[ves nsleg Gelej yeeb[ eefleHeue mes efoS ieS DeJemejesb kee
GHeeesie efkeee leLee efveJesMe Hej Deewmeleve eefleHeue ye{eee. osMeer SmeSueDeej
efveJesMeesb Hej eefleHeue 7.85% Lee. efJeeere Je<e& 14 kes oewjeve DeeHekes yeQke
keer ^spejer ves yeepe /yee Deeceoveer kes he ceW ` 9793 kejes[ Deefpe&le
efkeS peyeefke efveJesMe Deewj efJeefveece Depe&ve mes ueeYe eceMe: ` 732/- leLee
` 575/- kejes[ jne.
DeeHekes yeQke keer ^spejer DeHeves Jele&ceeve GlHeeoesb pewmes yeepe oj mJewHe
(DeeF&DeejSme) kejsbmeer mJewHe (meerDeeF&DeejSme) HeejJe[& SJeb Dee@HMeve kes
DeeOeej Hej yeepe ojsb Deewj efJeosMeer cege peesefKeceesb kees kece kejves kes efueS
DeHeves eenkeesb keer DeeJeMekeleeDeesb kes DevegHe meceeOeeve eoeve kejleer nw.
Je<e& kes oewjeve DeeHekes yeQke ves Yeejleere efj]peJe& yeQke eje yeQkeesb kees eoeve
keer ieF&. efJeMes<e mJewHe efJe[esb kes Debleie&le SHemeerSveDeej pecee jeefMeeesb leLee
efej I Het=bpeer kes Hess, Yeejleere efj]peJe& yeQke kes meeLe et=Sme[er mJewHe
Deb[jseEkeie eje meefee He mes efveefOeeeb Deefpe&le keer. yeepe oj mJewHe
leLee kejsbmeer Dee@HMeve keeHees&js kes efueS yeepe oj leLee kejsbmeer yeeeJe kes
efueS eegkele keer peeleer nw. DeeHekes yeQke ves ^spejer [ereEueie, 10 JeeF& yesbe
ceeke& mejkeejer eefleYet=efle Hej DeeOeeefjle SkemeeWpe ^s[w[ kewMe mesu[ Fb^sm
js Heet=eme& cesb Meg keer nw Deewj ceekes& cesb Ske ye[s efKeuee[er kes He
cesb GYeje nw. Deeefmle esCeer kes yeere efpemecesb ceveer ceekes& , meeryeerSueDees,
kee@ue ceekes& efjHees, mejkeejer eefleYet=efleeeb leLee Hee@jskeme ceekes& Meeefceue nQ,
GheueyOe DeblejCe megefJeOeeDeeW kee eYeeJeer He mes GHeeesie efkeee.
eer jepeerJe Sme meent (oeSb mes otmejs) efveosMeke, yeQke Dee@]He ye[ewoe, eer veJeerve heveeeke
(oeSb) ceeveveere cegKe ceb$eer, G[ermee jepe kees eske meeQheles ngS. meeLe ceW nQ eer Sme.
kes. Mee@, ceneeyebOeke, efyenej, G[ermee SJeb PeejKeb[ Debeue, eer peer. yeer. heb[e, Ghe
ceneeyebOeke, G[ermee #es$e
Ske efpeccesoej keeHees&js veeieefjke nesves kes veeles DeeHekes yeQke kee ncesMee en
eeeme jne nw efke Jen DeuHe megefJeOee eeHle leLee kecepeesj leyekeesb kes meeceeefpeke
DeeefLe&ke efJekeeme kes peefjS Fve mecegoeeesb kees leekeleJej yeveeSb.
meceepe kes yeere ye[s Jeie& ceW Devlej hewoe kejves kes DeHeves eeemeesb cesb
DeeHekes yeQke ves efJeeere Je<e& 14 cesb Yeer DeHeves eeemeeW kees Deewj DeefOeke Jeeheke
efkeee.
DeeHekes yeQke eje meerSmeej kes #es$e cesb pees keoce G"eS ieS Jes efvecveeefueefKele
nQ.
l DeeHekes yeQke ves yejespeieej egJekeesb kees efveMeguke eefMe#eCe eoeve kejves
kes efueS ye[ewoe mJejespeieej efJekeeme mebmLeeve (ye[ewoe Deejmeser)
mLeeefHele efkeS nQ leeefke es egJeke DeHeves keewMeue kee efJekeeme kej
jespeieej eehle kej mekeW. Fmemes Gvekes HeefjJeej keer DeeefLe&ke efmLeefle
megOejsieer Deewj meeLe ner GvnW Fve mLeeveesb Hej efJeeceeve efJeefYeVe #es$eere
DeeefLe&ke efmLeefleeeW kee ueeYe efceuesiee. DeeHekes yeQke kes meYeer DeeCeer
efJee Je<e& 14 keer ot=mejer ceener cesb, efJeosMeer mebmLeeiele efveJesMeesb keer DeeJeke,
mejkeej eje Ieesef<ele megOeej mebyebOeer Henueesb Deewj Decesefjkeer DeLe&JeJemLee
cesb cet=ueYet=le megOeej kes keejCe FefkeJeer ceekes& kes mesbefcesb cesb megOeej
jne. ^spejer kes FefkeJeer DevegYeeie ves DeHeves Hees&efHeefueeesb kee meefeelee
mes GHeeesie efkeee Deewj efveeefcele Deblejeue Hej peye Yeer yeepeej cesb DeJemej
efceuee, cegveeHee keceeee.
meeJe&peefveke #es$e kes yeQkeesb kes efJeosMeer cege DevegYeeieesb cesb Deehekes yeQke keer
^spejer ves efJeosMeer cege DevegYeeie yeepeej kes ye[s Yeeieeroejesb cesb DeHevee mLeeve
yeveeS jKee. eeseeFjer ^seE[ie DevegYeeie, yeepeej keer DeefmLejlee kee GHeeesie
kej GheueyOe Dee@efye^spe kees Yegveeves cesb meefee Lee Deewj Yeejleere yeepeej kees
eYeeefJele kej jner keef"ve eueefveefOe efmLeefle cesb mebmeeOeveesb kee mebenCe efkeee.
keeheexjs meWj cegbyeF& ceW Deeeesefpele ceefnuee efoJeme meceejesn kes oewjeve Ge eyebOeve
kes meeLe ye[ewoe Meefe kes meome Deewj yeQke keer ceefnuee meHe meome.
43
2013-14
efpeueesb cesb Ske Deejmeser nw. DeeHekes yeQke ves ueieYeie 47 Ssmes mebmLeeve
mLeeefHele efkeS nQ, efpemecesb mes 1,92,247 egJekeesb kees eefMe#eCe eoeve
efkeee ieee nw Deewj ueieYeie 1,20,979 egJekeesb ves DeHevee mJejespeieej
mLeeefHele kej efueee nw.
l
efJeefYevve yeQeEkeie SJeb efJeeere mesJeeDeesb kes yeejs cesb eeceerCeesb kes yeere
peeiekelee ueeves leLee efJeeere meceeJesMeve keer eefeee kees lespe kejves
kes efueS DeeHekes yeQke ves mebHet=Ce& Yeejle cesb 46 efJeeere mee#ejlee kesb
Keesues nQ. es kesb meeOeejCe mebosMeesb pewmes yeele keeesb kejsb, yeQke mes
GOeej keeesb uesb, peneb leke mebYeJe nes Deee Depe&ve keee&keueeHeesb kes efueS
keeesb GOeej uesb, mecee Hej Yegieleeve keeesb kejsb, mJeeb Demegjef#ele keeesb,
DeeHekes mesJeeefveJe=efe kes efueS yeele keeesb kejsb, kes ceeOece mes efJeeere
mee#ejlee eoeve kej jns nQ.
Deeefmle iegCeJeee eyebOeve

oJeeyeHet=Ce& DeeefLe&ke JeeleeJejCe kes keejCe Deeefmle iegCeJeee kees yeveeS jKeves
kes efueS efJee Je<e& 14 yeQeEkeie Geesie kes efueS Ske egveewleerHet=Ce& jne nw. uesefkeve
DeeHekes yeQke ves SveHeerS Hees&Heesefueeesb keer efjkeJejer leLee ueieeleej cee@efveeEjie
keer HejbHeje kees peejer jKee. leLeeefHe efJee Je<e& 14 kes oewjeve yeQeEkeie Geesie
Hej efJeefYevve DeeefLe&ke mebkeslekeesb kee oyeeJe yevee jne. efJee Je<e& 14 kes oewjeve
DeeHekes yeQke keer SveHeerS efmLeefle Yeer oyeeJeemle yeveer jner.
efJee Je<e& 14 kes oewjeve Yeejleere yeQkeesb ves meeceeve he mes Yeejle kes yeenj
Je Yeerlej DeefmLej efJeeere ceekes& kes keejCe efmueHespe keer ye[er IeveeSb
osKeer. efJee Je<e& 14 cesb Het=js Je<e& Ge cege mHeerefle Je Ge yeepe ojsb yeveer
jneR. eefleket=ue DeeefLe&ke Hewjeceerme& kes Heefjo=Me kes yeeJepet=o DeeHekes yeQke
kes eejbefYeke Mes<e keer leguevee cesb Je<e& kes oewjeve veS efmueHespe 1.99% jns.
Ge efmueHespe keer He=Yet=efce keer leguevee cesb 31 ceee& 2014 kees mekeue
Deefeceesb cesb mekeue SveHeerS 2.94% jne. efpemekes HeuemJeHe ceee& 2014
kes Deble cesb Meg Deefeceesb keer leguevee cesb Meg SveHeerS kee DevegHeele ye{kej
1.52% leke Hengbe ieee. eeefHe, meeJe&peefveke #es$e kes ye[s yeQkeesb cesb mes en
efmLeefle vet=velece Leer.
efHeues keF& Je<ees cesb DeeHekes yeQke ves $e+Ce neefve eeJeOeeve DevegHeele kees
Yeejleere efj]peJe& yeQke eje efveOee&efjle 70% kes DeefveJeee& ceeveob[esb kes
mlej hej DeLeJee Fmemes THej yeveeS jKeves kes meYeer mebYeJe eeeme efkeS
nQ. leLeeefHe efJee Je<e& 14 cesb SveHeerS cesb leere ye{esejer leLee Ge eeJeOeeve
nesves kes keejCe efJeJeskeHet=Ce& lekeveerkeer He mes yes Keeles [eues ieS Deefeceesb
cesb HewkeeEjie kejves kes yeeo $e+Ce neefve keJejspe DevegHeele 65.45 % jne
nw. GuuesKeveere nw efke efJee Je<e& 14 kes oewjeve Fme DevegHeele cesb Je<e& keer
ot=mejer efleceener mes eewLeer efleceener leke eefceke He mes megOeej ngDee. (efJee
Je<e& 14 keer ot=mejer efleceener cesb 61.68% mes ye{kej efJee Je<e& 14 keer eewLeer
efleceener cesb 65.45% nes ieee)
meceer#eeOeerve Je<e& kes oewjeve DeeHekes yeQke ves MeeKee, #es$e, Debeue Deewj
keeHees&js mlej Hej Jemet=ueer SJeb $e+Ce DevegeJele&ve kes efueS Jeeheke {ebee
leweej efkeee nw. Fmekes DeueeJee eleske [erDeejer mesbj cesb vees[ue
DeefOekeeefjeesb kees efJeefJeOe ceeceueesb keer DevegJeleer& keee&Jeener kes efueS ueieeee
ieee efpememes efke ef[eer uesves cesb ueieves Jeeues mecee kees kece mes kece
efkeee pee mekes leLee Jemet=ueer kees ye{eee pee mekes. [erDeejer oeJee oeej
SveHeerS Keeleesb cesb Jemet=ueer kes efueS, yeQke kes He#e cesb eYeeefjle DeeefmleeeW
kee Gefele ceekes& cet=ue eeHle kejves kes efueS F&-veerueeceer kes peefjS yesee
pee jne nw. Fmekes Deefleefjkele Deewj DeefOeke lespe ieefle mes Jemet=ueer kejves
44
kes efueS SDeejmeer kees Jemet=ueer Sbpes kes He cesb efveegkele efkeee ieee nw.
mejkeejer HeefjmeceeHeke (DeesSue) mes mebHeke& meeOeves kes efueS HejeceMe&oelee
efveegkele efkeS ieS nQ. DeeHekes yeQke keer MeeKeeDeesb eje ueeske Deoeuele,
efjkeJejer kewbHe Je ieebJe keer eewHeeue yew"ke kee efveeefcele Deeeespeve efkeee
ieee leeefke Hegjeves efJeeejeOeerve ceeceueesb kees efveHeeee pee mekes leLee
ess-ess Keeleesb cesb MeerIelee mes Jemet=ueer keer pee mekes.
DeeHekes yeQke ves SveHeerS Keeleesb cesb Jemet=ueer keer mebYeeJeveeDeesb kee Helee ueieeves kes
efueS DevegJeleer& keee&Jeener eCeeueer Hej peesj osvee peejer jKee. ye[er jeefMe Jeeues
SveHeerS Keeleesb, pewmes ` Ske kejes[ Deewj Gmemes DeefOeke jeefMe kes Keeleesb keer
kee@Hees&js keeee&uee mes meerOes #es$eesb leLee Debeueesb kes meeLe Heeef#eke Jeeref[eesb
kee@bHe>seEmeie keer ieF& leeefke DevegeJele&ve kejves keer eCeeueer mes MeeKeeDeesb
eje Jekeerueesb, efjkeJejer Spesbesb kes ceeOece mes meIeve keee&Jeener megefveefMele
nes mekes. efJeefYevve mlejesb Hej mejHesmeer (SARFAESI) DeefOeefveece kes
Debleie&le keej&Jeener keer efveiejeveer keeHees&js mlej mes keer ieF&. Dele: efJee
Je<e& 14 cesb SveHeerS Keeleesb cesb vekeo Jemet=ueer ` 1,261.81 kejes[ jner. en
Je<e& 2013 kes ` 625.57 kejes[ keer leguevee ceW DeefOeke nw. DeHees[sMeve
efJee Je<e& 2014 kes oewjeve Je<e& 2013 kes ` 340.93 kejes[ keer leguevee cesb
` 684.72 kejes[ jne.
efJee Je<e& 14 kes oewjeve DeeHekes yeQke ves ieebJe/kemyee mlej Hej Jemet=ueer kewbHe ueieeleej
leLee ueeske Deoeueleesb kes ceeOece mes ess Keeleesb keer Jemet=ueer Hej efJeMes<e He mes
Oeeve kesbefle efkeee. Fmekes Deefleefjkele efJeeere Je<e& 14 keer Henueer ceener kes
oewjeve efJeMes<e Jemet=ueer eespevee leLee YeeieerjLe eeeme veeceke efJeMes<e eespeveeDeesb
keer Yeer MegDeele keer ieF&. yeQke ves eeslmeenve Hej DeeOeeefjle mebkeuHe- VI
Jemet=ueer eespevee eueeeer, leeefke ` 25 ueeKe leke keer yekeeee jeefMe Jeeues ess
Keeleesb cesb Jemet=ueer ye{eves kee meYeer meHe meomeesb kee meeLe&ke eeeme/meneesie
efceue mekes. Fme eespevee kes lenle efJee Je<e& 14 kes oewjeve ` 155.19 kejes[
vekeo Jemet=ueer keer ieF&.
SveHeerS eyebOeve nsleg Yeejleere efj]peJe& yeQke eje megPeeF& ieF& keee&veerefle kes He cesb
DeeHekes yeQke ves efJee Je<e& 14 kes oewjeve Jeefkeleiele kes meeLe-meeLe Hees&Heesefueeesb
efyeeer kes lenle SveHeerSue Keeleesb keer efyeeer keer efpemekes HeuemJeHe ceekes& mes
Dee eeflemeeo efceuee Deewj yeQke efJeefYevve SDeejmeer cesb 23 SveHeerSue (SveHeerS
SJeb yesKeeles) Keeleesb keer efyeeer kej mekee efpevecesb eejesb SDeejmeer (` 253.65
kejes[ Meg yener cet=ue kes meeLe) kee kegue yekeeee Mes<e ` 671.27 kejes[ jne.
DeeHekes yeQke kes Deefece Hees&Heesefueeesb kee Deeefmle Jeieer&kejCe yeskeDeHe Fme
ekeej nw.
(` kejes[ ceW)
Deeefmle Jeie& (mekeue)
31 ceee& 2014
31 ceee& 2013
ceeveke
3,91,823.53
324828.74
11,875.90
7982.58
4,03,699.43
332811.32
DeJeceeveke
3,809.20
4981.15
mebefoiOe
6,863.10
2628.33
neefveiele
1,203.60
373.10
kegue SveHeerS
11,875.90
7982.58
mekeue SveHeerS
kegue
mekeue SveHeerS cesb Meeefceue nw
2013-14
efueS kesvereke=le DeeF&er Deekeer&skeej eoeve efkeee nw leeefke mebmeeOeveesb

kee eyebOeve, cee@efveeEjie Je GHeeesie Deemeeveer mes efkeee pee mekes. DeeHekes
yeQke kes #es$eere eeceerCe yeQke (DeejDeejyeer) Yeer meeryeerSme HuesHeece& Hej nQ
Deewj pewmee efke Yeejle mejkeej eje DeefOemet=efele efkeee ieee nw, DeeHekes
yeQke ves mesbûe yeQke Dee@He Fbef[ee Je Hebpeeye vesMeveue yeQke kes #es$eere eeceerCe
yeQkeesb kees Fvekeer 350 MeeKeeDeesb kes meeLe DeeHekes yeQke kes Ske #es$eere
eeceerCe yeQke kes meeLe meceecesueve kej efueee nw.
met=evee eeweesefiekeer
JewkeefuHeke ef[ueerJejer ewveue

l
heesueeefjme HeeeveebefMeeue skeveesuee@peer yeQefkebie DeJee[& 2013 hej iueesyeue efyepevesme

[sJeueheceW esCeer kes lenle [ve Sb[ yee[mêr eje yeQke Dee@]He ye[ewoe kees eoe yesm
heerSme yeQke kee DeJee[& eehle kejles ngS eer Sme. Sme. Ieeie, ceneeyebOeke (met.eew.
SJeb [er[yuetSe)
DeeHekes yeQke ves Iejsuet= Heefjeeueveesb, efJeosMeer Heefjeeueveesb Deewj Deveg<ebieer Heefjeeueveesb
kees Oeeve cesb jKeles ngS Sb[ t= Sb[ efyepevesme SJeb DeeF&er m^sspeer eespeSkeme
neLe cesb efueS nQ.
DeeHekes yeQke ves meJees&ece skevee@ueepeer FbHe>em^keej leweej kej Deefle
DeeOegefveke [ee mesbj mebeeefuele efkeee nw Deewj en DeHe eFce Fbmeret=
erej 3 kes ceeveob[esb kees Het=je kejlee nw. efJeefYevve Yet=kebHe Keb[esb kees Oeeve
cesb jKeles ngS leLee eleske DemeHeuelee eEyeog kee ienve efJeMesue<eCe kej
ef[peemj efjkeJejer meeF leweej keer ieF& nw efpememes efke eenkeesb kees
efveyee&Oe He mes yeQeEkeie mesJeeSb efceueleer jnsb.
ef[peemj efjkeJejer mesbj kes DeueeJee DeeHekes yeQke ves Je<e& kes oewjeve
veerej ef[peemj efjkeJejer mesbj Yeer keeee&efvJele efkeee nw leeefke efyepevesme
kebervet=er Hueeve leLee ef[peemj efjkeJejer jCeveerefle kes He cesb veerej
peerjes [ee uee@me megefveefMele nes mekes .
DeeHekes yeQke ves keF& Deve eeweesefiekeer henueW, pewmes eEJe[es meJe&j
Jeeg&DeueeFpesmeve, [smkee@He Jeeg&DeueeFpesmeve leLee yewke [ê@He kebmeeueer[sMeve
Dee@escesefke mesjspe cewvespecesb (SSmeSce) Je jereue SHueerkesMeve keuemj
(DeejSmeer) keer MegDeele keer nQ. Fvnsb Heee&JejCe GvcegKeer keoce kes He cesb
G"eee ieee nw Deewj Fvemes [ee mesbj keer keee&kegMeuelee cesb Je=ef nesieer.
SefHuekesMeve Jeeg&DeueeFpesmeve, Dee@escewefke Jeeg&DeueeFpesmeve yewke DeHe eEueke
kes efueS eeJeOeeve, yeQ[efJe[dLe DeHees[sMeve, SSmeSce SJeb DeejSmeer ueeiet=
kejvee, SceHeerSueSme (ceuer eese@kee@ue uesJeue efmJeeEeie) Hej DeeOeeefjle
veF& skeveesuee@peer kee eeesie Deeefo DeHe eFce leLee ceebie DeHees[ kejves
nsleg keg veS keoce G"eS ieS nQ.
DeeHekes yeQke ves efJeefYevve mesJee ef[ueerJejer ewveueesb Hej JeJemeee keer ye{leer
ceebie kees meg{lee eoeve kejves kes efueS efveeefcele kewHesefmeer (HueeeEveie,
DeHees[ Je efjHe>sMe) kees DeHeves neLe cesb efueee nw.
DeeHekes yeQke ves FbjeeFpe cewvespecesb efmemce kees DeHees[ kej efoee nw
leLee yeQke kes ye{les DeeF&er FbHe>em^keej kee eYeeJeer He mes eyebOeve
kejves Je cee@veereEjie kejves kes efueS cee@[det=ue kees mLeeefHele efkeee nw.
DeeHekes yeQke ves meYeer osMeer leLee 23 efJeosMeer kesbesb cesb keesj yeQeEkeie
mee@uet=Meve (meeryeerSme) Je Deve SHueerkesMeve HuesHeece& eoeve kejves kes
Fbjves yeQeEkeie - ye[ewoe keveske
Fme lekeveerke kes Gheeesie kees yesnlej yeveeves Deewj eeeskeleevegket=ue yeveeves kes
efueS DeeHekes yeQke cesb Fbjves yeweEkeie DeLee&le ye[ewoe keveske kees Het=jer lejn
mes eesVele kej efoee ieee nw. DeeHekee yeQke DeHeves Fbjves yeQeEkeie ewveueesb cesb
ueieeleej Deewj DeefOeke megefJeOeeSb pees[ jne nw. ye{eF& ieF& Deve megefJeOeeDeesb, pewmes
Dee@veueeFve SHe[erDeej [yeue Oeceekee, Dee@veueeFve DeeJeleer& pecee Keesuevee,
Dee@veueeFve efieHe kee[&, efJeefYevve jepeesb kee kej Yegieleeve, SkemeeFpe [et=er
kes efueS eeueeve, $e+Ce Keeleesb cesb pecee, efyeue kee Yegieleeve, eOeeveceb$eer jenle
kees<e cesb Dee@veueeFve oeve, F&-yeQeEkeie kes ceeOece mes Fbef[ee Hem& ueeFHe
FvMeesjsbme kes eerefceece kee Yegieleeve, Fbjves yeQeEkeie kes ceeOece mes DeeOeej
pees[vee, F&-yeQeEkeie kes eje DeeF&SceHeerSme (lJeefjle Yegieleeve mesJeeSb) Fme Je<e&
pees[er ieF& nQ. DeeHekes yeQke keer Fbjves yeQeEkeie megefJeOee meYeer mcee& Heesve/
wyeues Hej GheueyOe nw Deewj eenke kees kenerb Yeer yeQeEkeie keer Deejeceoeeke
megefJeOee efceueleer nw. Fme Je<e& kes oewjeve 14 efJeosMeer kesbesb DeLee&le lebpeeefveee,
et=ieeb[e, kesvee, cee@efjMeme, mesMesume , yeeslmeevee, vet=peeruew[, et=SF&, efHepeer,
et=kes, Deesceeve leLee Ieevee, Deem^sefueee cesb Jet= DeOeeefjle Fbjves yeQeEkeie mesJee
Meg keer ieF& nw. yeQke eeeesefpele meYeer #es$eere eeceerCe yeQkeesb cesb Fbjves F&yeweEkeie GheueyOe kejeF& ieF& nw.
Fbjves yeQeEkeie cesb megj#ee Je efJeMJeeme ye{eves kes efueS DeeHekes yeQke ves ee@[
cewvespecesb meesuet=Meve kees efeeeefvJele kej megj#ee kees Deewj hegKlee kej efoee nw.
Fmecesb efJeMues<eCe Hej DeeOeeefjle msHe DeHe eceeCeerkejCe, DeeserHeer, Hegue DeeserHeer,
SmeSceSme DeeserHeer, keet= SveS kees Fvesyeue kej oes Ieke eceeCeerkejCe Yeer
Meeefceue nw. DeeHekes yeQke ves keeHees&js eenkeesb kes efueS eceeCeerkejCe Deewj Ge
cet=ue kes Fbjves yeQke uesve-osve kees DemJeerkeej kejves kes efueS Fbjves kes
ceeOece mes ef[efpeue meef&efHekes kes eeesie keer MegDeele keer nw. DeeHekes yeQke
ves Mes<e yees efJeosMeer kesbesb Hej peneb uesve-osve F&-yeQeEkeie Hej DeeOeeefjle nw, ee@[
cewvespecesb mee@uet=Meve keeee&efvJele efkeee nw.
ceesyeeFue yeQeEkeie - ye[ewoe Sce-keveske leLee DeeF&SceHeerSme
DeeHekes yeQke kes ceesyeeFue yeQeEkeie HuesHeece& Hej eenkeesb kees efJeefYevve megefJeOeeSb
GheueyOe kejeves kes efueS Ske Deewj JewkeefuHeke ef[ueerJejer ewveue kes He cesb,
yengle meer megefJeOeeSb GheueyOe nQ, pewmes yewuesbme FvekeJeeejer, efceveer mscesb, Heb[
êbmeHej, me@He Hescesb, eske msme, [sefye kee[& yuee@eEkeie leLee Deve mesJeeSb.
yuewkeyesjer, SC[êsF[, eEJe[esb ef[JeeFmeesb kes Deefleefjkele ceesyeeFue yeQeEkeie SHueerkesMeve
meYeer DeeF&-Heesve Deewj DeeF&-Hew[ cesb GheueyOe kejeeer ieF& nw. heme&ve t SkeeGb
(Heer2S), ceeX Yegieleeve (Heer2Sce), DeeOeej kee[& DeeOeeefjle Oevees<eCe (Heer2et=)
kees keJej kejves kes efueS lelkeeue Yegieleeve mesJee (DeeF&SceHeerSme) efeeebefJele
keer ieF& nw. ceesyeeFue e@He-DeHe/ [ererSe e@He-DeHe, yeercee eerefceece Yegieleeve,
Dee@veueeFve Kejerooejer, keeGbj Hej Yegieleeve, mket=ue/ kee@uespe/ et=efveJeefme&er keer
Heerme kee Yegieleeve, DeeF&SceHeerSme - DeeF&Deejmeerermeer kes eeesie mes ceesyeeFue
Heesve kes ceeOece mes iewj Fbjves DeeOeeefjle jsueJes efefke yegeEkeie Deeefo kes
45
2013-14
efueS DeeF&SceHeerSme JeeHeejer Yegieleeve (Heer2Sce) DeejbYe efkeee ieee nw. Jele&ceeve
cesb DeeHekee yeQke ceesyeeFue yeQeEkeie kes Debleie&le eenkeesb kes GHeeesie nsleg mejue
leLee megefJeOeepeveke Sveet=et=Heer (vesMeveue et=efveHeeF[ et=SmeSme[er HuesHeece&)
DeejbYe kej jne nw.
F&-uee@yeer
kee[& kes efueS ceuerHewkej kee[& eceeCeerkejCe, Yeejle cesb SerSce/ HeerDeesSme
cesb ee@[ eyebOeve meesuet=Meve kee efeeevJeeve, SerSce Hej ^bpeskemeve jmeeroesb
keer efnvoer cesb eEeeEie, iegpejeleer, ceje"er, leefceue, ceueeeuece, lesueiet=, kevve[
leLee yebieeueer #es$eere Yee<ee cesb meerve kee eeve Meg efkeee ieee nw. et=SF&
kes efueS Jeerpee [sefye kee[&, efHepeer kes efueS yeerSmeHeer (yeQke meeGLe HewefmeefHeke)
FbjewQpe efeeevJeeve, Yeejle, Deesceeve leLee ceeefjMeme cesb efeHe DeeOeeefjle kee[&
keer MegDeele. DeeHekes yeQke ves DeHeves #es$eere eeceerCe yeQkeesb kes efueS Hes SerSce
kee[& leLee Hes kesmeermeer kee[& keer Yeer meHeue MegDeele keer nw.
l
SmeSceSme yeQeEkeie
Gve eenkeesb kes efueS pees kesJeue met=evee DeeOeeefjle yeQeEkeie mesJeeSb eeHle kejvee
eenles nQ, DeeHekes yeQke ves yesuesbme FbkeJeeejer, ueIeg efJeJejCeer, Hebpeerke=le ceesyeeFue
veb. mes eske keer efmLeefle peeveves kes efueS SmeSceSceme yeQeEkeie eebjYe keer nw. Fme
GlHeeo kee eeesie kejvee yengle ner Deemeeve Deewj Flevee mejue nw efke keesF& Yeer
eenke efkemeer HebpeerkejCe eefeee kes efyevee Yeer Fmekee GHeeesie kejvee eejbYe
kej mekelee nw.
meekeerveekee MeeKee, cegbyeF& ceW ye[ewoe vee@ve-me@he 24x7 yeQefkebie (F&-uee@yeer) kes MegYeejbYe
hej eer Sme. Sme. cetbo[e, DeOe#e SJeb eyebOe efveosMeke
DeeHekes yeQke ves eenkeesb kes efueS F&-uee@efyeeesb kes ceeOece mes 24x7 mesJee DeejbYe
kejkes eenke mesJee kes Deieues mlej keer MegDeele keer nw. yebe vees SmesHj,
mesuHe-meefJe&me Heemeyegke eEej, eske ef[Heeefpe efkeDeesmke, Fbjves yeQeEkeie
efkeDeesmke pewmes ef[JeeFmeesb kees MeeKeeDeesb mes mebueive 30 mes DeefOeke F&-uee@efyeeesb
cesb Meg efkeee ieee nw. eenkeesb kees megefJeOee GheueyOe kejeves kes efueS kee[& kes
meeLe-meeLe Keelee mebKee kes ceeOece mes yebe vees SmesHj cesb kewMe ef[Heeefpe
Meg efkeee ieee nw. YeefJe<e cesb Fme vesJeke& kees Deewj JeeHeke mlej Hej Hewueeves
kee ue#e nw. DeeHekes yeQke keer kewMe jermeeFkeueme& DeejbYe kejves keer Yeer eespevee
nw pees kewMe kees mJeerkeej kejsiee, Fmekeer beF& kejsiee leLee pecee efkeS ieS
kewMe cesb mes Yegieleeve kejsiee.
SerSce
yesnlej efve<Heeove, lJeefjle SerSce uesveosve SJeb Deemeeve SerSce emeej kes efueS
ne[&Jesej DeHees[sMeve kes meeLe DeeHekes yeQke kes SerSce efmJee kees keF& Gvvele
efJeMes<eleeDeesb kes meeLe Gelej Jepe&ve cesb DeHees[ efkeee ieee nw. Yeejle, et=SF&,
Deesceeve, cee@jerMeme, efHepeer, lebpeeefveee, yeeslmeJeevee, ef$eefveoeo SJeb esyesiees
(er SJeb er) leLee vet=peeruewb[ cesb SerSce efmJee mLeeefHele efkeS ieS nQ. Keelee
Keesueves kes mecee keeGbj Hej ner eenkeesb kees kee[es keer lJeefjle leLee megueYe
ef[ueerJejer kejves kes efueS DeeHekes yeQke ves Je<e& kes oewjeve iewj Jeweefkeleke [sefye
kee[& Meg efkeee nw. Je<e& kes oewjeve DeeHekes yeQke ves SerSce mes SveF&SHeer
Oevees<eCe DeejbYe efkeee nw. eenke kesefvle keF& Henuesb pewmes Hes [sefye kee[&,
Hes HeerDeesSme Deewj Hes kesmeermeer kee[&, Hes F&-kee@ceme&, yeeGve uesJeue SerSce,
Fbef[ee Hem& ueeFHe FbMeesjsbme Hee@efuemeer Oeejkeesb kes efueS yeercee eerefceece kee
Yegieleeve, eske yegke kes efueS DevegjesOe, Serce kes ceeOece mes lelkeeue Yegieleeve
mesJee (DeeF&SceHeerSme) Meg keer ieF& nQ. o=efnerve ueesieesb kes efueS yeesueves Jeeues
SerSce mLeeefHele efkeS ieS nQ. DeeHekes yeQke ves eerHes[ kee[&, SerSce mes efieHe kee[&
SJeb pevejue HejHepe jeruees[syeue kee[&, SerSce kes ceeOece mes DeeOeej kee[& ope&
kejves kes efueS Hes efeHe kee[es kee Debleje&êre GHeeesie kejves, vekeoer DeenjCe
SJeb yewuesbme FbkeJeejer kes efueS meceLe& kejves nsleg eceeCeerkejCe Yeer Het=je efkeee nw.
Gvvele megj#ee leLee Yeejleere efj]peJe& yeQke kes efoMeeefveos&Meesb kes DevegHeeueve kes
efueS efeHe DeeOeeefjle kee[es keer MegDeele keer ieF& nw. uesveosve venerb nesves Jeeues
46
keevske mesbj
DeeHekes yeQke ves eenkeesb kees yesnlej mesJeeSb GheueyOe kejves kes GsMe mes veS
GHeeeesb kes He cesb 3600 o=efkeesCe eeHle kejves kes efueS eenke mebyebOe eyebOeve
keeee&efvJele efkeee nw. efpemecesb eenkeesb kees meblegef eoeve kejves Deewj efvee
kees yesnlej yeveeves kes efueS Gvnsb mebHeke& kesbesb Hej Heesve eje megefJeOeeSb oer
peeleer nQ. ceewpet=oe eenke/mebYeeefJele eenke esue eer. veb. (1800223344 SJeb
18001024455) Hej mebHeke& kej mekeles nQ peneb efvecve ekeej keer megefJeOeeSb
GheueyOe nw:

l
l
l
l
l
l
l
l
l
l
eske yegke peejer kejvee

GlHeeo SJeb mesJeeDeesb kes yeejs cesb peevekeejer
Keelee mebyebOeer Het=lee- yewuesbme, mebJeJenej, meceeMeesOeve cesb jeefMe Deeefo
SerSce kee[& keer ne@-efueeEmie
Yegieleeve jeskevee-ceeeEke&ie/DeveceeeEke&ie
[sefye kee[& peejer kejves nsleg DevegjesOe
[sefye kee[& efHeve Hegve: peejer kejves nsleg DevegjesOe
F&-yeQeEkeie GHeeesiekelee& keer meneelee
ceesyeeFue yeQeEkeie HeemeJe[& kees Hegve: peejer kejvee
Dee@bveueeFve er-efHeve peejer kejves keer megefJeOee (keeiepe jefnle)
DeeHekes yeQke kes GlHeeoesb Deewj mesJeeDeesb kes yeejs cesb ceewpet=oe eenke/mebYeeefJele
eenkeesb kees Deve peevekeejer Yeer GheueyOe kejeF& peeleer nw.
l meerDeejSce SHueerkesMeve kees efyeeer keeee&ueeesb pewmes efjsue ueesve Hewkeêr
(DeejSueSHe) Deewj efmeer mesume Dee@efHeme (meerSmeDees) mes Yeer pees[e ieee
nw. efpemecesb eenkeesb eje mebHeke& kesbesb cesb GlHeeo mebyebOeer keer ieF& Het=lee
kes DeeOeej Hej ueer[ leweej keer peeleer nw Deewj Fve keeee&ueeesb cesb Fmes
DevegJeleer& keee&Jeener nsleg Yespee peelee nw.
l DeeHekes yeQke ves kesbesb kes ceeOece mes Jemet=ueer keer eefeee Yeer Het=jer kej
ueer nw. efpemecesb eenkeesb kees Gvekeer F&SceDeeF& Deewj ose jeefMe kes yeejs cesb
met=efele efkeee peelee nw. Fmemes eenkeesb kees ose efleefLe Hej F&SceDeeF&/ose
jeefMe pecee kejves cesb megefJeOee nesleer nw.
l

Yegieleeve Heefle
l DeeHekes yeQke keer meYeer MeeKeeDeesb cesb DeejerpeerSme Deewj SveF&SHeer kes
ceeOece mes Deblej yeQke Oevees<eCe keer megefJeOee GheueyOe nw. DeeHekes yeQke
kes Fbjves yeQeEkeie Hees&ue cesb Yeer DeejerpeerSme leLee SveF&SHeer Meg
kej oer ieF& nw. yeQke Deewj #es$eere eeceerCe yeQke oesveesb cesb SveF&SHeer leLee
DeejerpeerSme keer mejue eefeee keeeeefJele kej oer ieF& nw. DeeHekes yeQke
ves ye{les ngS keee& kees meHees& eoeve kejves kes efueS DeeF&er keer DeeOeejYet=le
mebjevee kees DeHees[ efkeee ieee nw, yeveeJe cesb HeefjJele&ve efkeee nw leLee
SvepeerDeejerpeerSme kes efueS ISO20022 mebosMe eeHe GHeeesie cesb ueeee
pee jne nw. DeejerpeerSme SJeb SveF&SHeer megefJeOee kees etieeb[e ceW Yeer
keeee&efvJele kej efoee ieee nw.
JeeHeeefjeesb leLee Fbjves Mee@Heme& kees Dee@veueeF&ve Kejerooejer kejves Jeeueesb
kes efueS megjef#ele Deewj mebjef#ele Kejerooejer kes efueS [sefye kee[&/esef[
kee[& mebyebOeer Fbjves Hescesb iesJes ye{er mebKee cesb eoeve efkeS pee jns nw.
Yeejle cesb efJeosMeer cege keejesyeej kes efueS eeefOeke=le meYeer MeeKeeDeesb Deewj
22 efJeosMeer kesbesb meefnle efJeMJeYej cesb Deblej yeQke efJeeere mebes<eCe kes efueS
efmJeHe megefJeOee GheueyOe nw.
Yeejle cesb meYeer eeefOeke=le MeeKeeDeesb leLee 22 efJeosMeer kesbesb cesb Hescesb
cesmeseEpeie mee@uet=Meve (HeerSceSme) ueeiet= efkeee ieee nw. HeerSceSce kes ceeOece
mes meeryeerSme ej efmJeHe ceevekeesb kes DevegHe leweej efmJeHe mebosMeesb keer
JewOelee SJeb Heeces&eEie keer megefJeOee eeHle nesleer nw Deewj en SSceSue peebe
mes Yeer iegpejlee nw.
meceer#eeOeerve Je<e& kes oewjeve cegbyeF& leLee ceneje^ kes HeefMeceer efe[, iegpejele
leLee ceOe eosMe cesb ceeFkej kesbesb cesb efe[ DeeOeeefjle eske ^bkesMeve efmemce
(meererSme) ueeiet= efkeee ieee nw.
pecee Je veeces oesveesb ekeej kes mebJeJenejesb kes efueS jeêre mJeeeefuele
meceeMeesOeve ie=n (SveSmeerSe) ueeiet= efkeee ieee nw.
Deve eenke kesbefle Henuesb
2013-14
kejvee, [sefye kee[& leLee efHeve cesuej kees meerOes eenke kes Heeme esef<ele
kejvee, Skemeesbpe neTme kes efueS Oeve DeblejCe mesJee eespevee kes lenle
Oeve es<eCe Deeefo Yeer ueeiet= keer ieF& nw.
vekeoer eyebOeve eCeeueer Ske Het=Ce&le: Jesye DeeOeeefjle vekeoer eyebOeve mee@
uet=Meve nw pees DeeHekes yeQke kes eenkeesb kes efueS eejbYe keer ieF& nw, Fmecesb
jmeero eyebOeve (Jemet=ueer), Yegieleeve eyebOeve leLee FveJeeeme eyebOeve (eeHe
Deewj ose eyebOeve) pewmeer mesJeeSb Meeefceue nQ. Je<e& kes oewjeve DeeHekes yeQke
ves vekeoer eyebOeve eCeeueer kes efueS t= Hewkej Dee@eELeefkesMeve (2 SHe S)
ueeiet= efkeee nw, eenkeesb kes efueS veee ewveue eejbYe efkeee ieee nw leeefke
MeerIelee mes mejue eefeee (m^s Let eesmeseEmeie) (SmeerHeer) kes meeLe DeHeves
Oeve kee eyebOeve kej mekesb.
DeeHekes yeQke eje efjsue kes meeLe-meeLe keeheexsjs eenkeesb kes efueS efjsue
ef[Heesefpejer mesJeeSb GheueyOe kejeF& ieF& nw. Ske kesbereke=le ef[Heesefpejer
ShueerkesMeve kes meeLe MeeKeeSb Svemeer[erSue leLee meer[erSmeSue oesveesb kees
ef[Heesefpejer mesJeeSb GheueyOe kejeves kes efueS leweej keer ieF& nQ. Dee@veueeFve
^seE[ie eCeeueer kes meeLe, DeeHekee yeQke eenkeesb kees FefkeJeer cet=egDeue
HeC[, yeeb[ leLee FefveefMeeue Heefyueke Dee@Heefjie (DeeF&HeerDees) pewmes efueKeleesb
cesb JeJemeee kejves kes efueS meYeer mesJeeSb Dee@veueeF&ve GheueyOe kejeves cesb
meceLe& nesiee.
DeeHekes yeQke ves [sefye kee[& Heefjeeueve cesb meneesie leLee JeeHeke eyebOeve
GheueyOe kejeves kes efueS veF& HeerS[erSmeSme efMekeeele [sefye kee[& eyebOeve
eCeeueer kees ueeiet= efkeee ieee nw.
DeeHekes yeQke ves DeeOeej kee[& DeeOeeefjle Yegieleeve pewmes ele#e ueeYe DeblejCe
([eryeerer), FueSkeêefveke ueeYe DeblejCe (F&yeerer) DeeOeej Yegieleeve efye>pe
eCeeueer (SHeeryeerSme)kes lenle ele#e ueeYeeLeer& DeblejCe leLee cenelcee
ieebOeer jeêre eeceerCe jespeieej ieebjer DeefOeefveece (Scepeervejsiee) kes
Jesleve Yegieleeve kes efueS Henue keer nw.
efJeeere meceeJesMeve kes lenle Keesues ieS Keeleesb kes ceeceues cesb DeeOeej vebyej
Hej DeeOeeefjle HeerDeesSme ceMeerveesb mes mebJeJenej kejves kes efueS DeeOeej
meceefLe&le Yegieleeve eCeeueer ( SF&HeerSme).
DeeHekes yeQke ves jepe ^spejer cesb meerOes eeHle nesves Jeeueer eespevee efveefOe kes
Yegieleeve kes efueS jepe mejkeej nsleg mesbûe eespeSke mkeerce cee@efveeEjie
efmemce (meerHeerSmeSceSce) cesb efJemleej efkeee nw. meerHeerSmeSceSme kes
lenle cegefle Yegieleeve S[Jeebme (HeerHeerS) DeeOeeefjle Yegieleeve SJeb ef[efpeue
nmlee#ej eceeCe He$e DeeOeeefjle Yegieleeve eespevee Yeer keeeeefJele keer ieF&
nw.
SveHeerSme, SveHeerSmeueeF (DeeefLe&ke He mes kecepeesj ueesieesb kees Gvekes

yeg{eHes kes oewjeve Gvekee YeefJe<e megjef#ele kejves kes efueS efJeeere megj#ee
GheueyOe kejeves keer eespevee), SveDeejDeeF& kes efueS ScepeerHeerJeeF& ueeiet=
keer ieF&.
cewueehegj MeeKee, esVeF& ceW kee@eve JeWef[bie ceMeerve kee GodIeeve kejles ngS eer Sme. Sme.
cetbo[e, DeOe#e SJeb eyebOe efveosMeke
DeeHekes yeQke ves yengcet=ue eenkeesb keer efJeefMe DeeJeMekeleeDeesb kes DevegHe
Ge mlejere efJeefMe He mes efveefce&le DeeF&er meceefLe&le GlHeeoesb leLee
mesJeeDeesb keer MegDeele keer nw. Fmeer lejn Deve GlHeeo leLee mesJeeSb pewmes
DeejyeerDeeF& FvHeuesMeve Fb[skem[ yee@C[, DeefOeke cee$ee cesb efieHe kee[& peejer
Dee@veueeFve Je Dee@HeueeFve mebJeJenejesb leLee Keelee Keesueves keer eefeee

kes efueS DeeF&er {ebes kees efJekeefmele efkeee ieee nw. en keee& JeJemeee
eefleefveefOeeesb eje efkeee peelee nw. Fme ekeej en efJeeere meceeJesMeve
meceefLe&le Yeer nw.
yeQke keer efJeeere meceeJesMeve Henue kes He cesb iegpejele, et=Heer SJeb efyenej
cesb Heeeue DeeOeej Hej ceesyeeFue Jewve yeQeEkeie Meg keer ieF& nw.
DeeHekes yeQke keer yeepeej Hej Hew" yeveeves kes eeespeve mes eenkeesb mes ueieeleej
47
2013-14
Heer[yewke uesves kes efueS Ske Dee@veueeFve eenke meJes& Hees&ue efJekeefmele efkeee
ieee nw. Dee@veueeFve Hees&ue eenkeesb/ efJeefpeme& kes efueS uee@ieFve kejves
leLee Gvekes Heer[yewke/ megPeeJe/ efMekeeeleesb keer efmLeefle kees osKeves kes efueS
yeQke keer JesyemeeF Hej GheueyOe nw.
Je<e& kes oewjeve et=DeeF&[er vecyejesb kees eEueke kejves, Keelee mebKee
Heess&efyeefueef, kesJeeemeer mebyebOeer met=evee eeHle kejves, Keelee Keesueves keer
eefeee mejue kejves, keesj yeweEkeie eCeeueer cesb efJeuespe kees[ pees[ves pewmeer
efJeefYevve Henuesb keer ieF& nQ.
JewkeefuHeke ef[efueJejer ewveueesb kes ceeOece mes efkeS ieS meYeer êpb eskemeveesb kes
efueS leLee efveOee&ejf le meercee mes DeefOeke keer meYeer meeryeerSme êpb eskemeveesb kes
efueS DeeHekes yeQke ves DeHeves eenkeesb kees SmeSceSme Deue& Yespeves keer megeJf eOee
Yeer Meg keer nw. Keelee Keesuevee, Keelee meefee kejvee, $e+Ce Keeleesb cesb
yeepe oj cesb HeefjJele&ve, $e+Ce Keeleesb cesb efkemle ose / Deefleose kee veesef me,
eske yegke Yespeves (ef[ueerJejer efJeJejCe kes meeLe), eske DemJeerke=le nesves, SHe[er
HeefjHekeJelee kee veesef me, eenke kees kesJeeemeer DevegHeeuevee kes efueS veesef me,
DeeOeej eEueke/ef[eEueke kes mecee veesef me, mebYeeefJele efveef<ee Keeles kee veesef me,
Keeles kes efveef<ee nesves kes mecee veesef me pewmes iewj-efJeeere keeees kes efueS
Yeer eenkeesb kees SmeSceSme Deue& Yespes peeles nQ.
meneeke mesJeeSb
l Heefjeeueve keer ueeiele kees kece kejves leLee yesnlej efveefOe eyebOeve kes efueS
et=kes, et=SF&, yeneceeme, yenjerve, nebiekeebie, eEmeieeHegj, yesefupeece leLee
Yeejle cesb Fberesef[ iueesyeue ^spejer meesuet=Meve efeeebefJele efkeee ieee nw.
DeeHekes yeQke eje oer pee jner mesJee cesb megOeej kejves kes efueS, yewke Dee@efHeme
keee& kees efmeer yewke Dee@efHeme leLee #es$eere yewke Dee@efHeme cesb kesvereke=le
efkeee ieee nw. Jele&ceeve cesb DeeHekes yeQke cesb 70 efmeer yewke Dee@efHeme leLee
12 #es$eere yewke Dee@efHeme nQ. Jeweefkeleke eske yegke peejer kejves kes keee&
kees kesvereke=le efkeee ieee nw. DeeHekes yeQke ves kesvereke=le SHemeerSveDeej
Heefjeeueve Yeer Meg efkeee nw.
yesnlej SJeb MeerIe eenke mesJee osves kes efueS DeeHekes yeQke ves DeHeves ueesve
eesmeseEmeie (efjsue, ke=ef<e, SmeSceF&) cee@[et=ue kees Het=Ce& He mes mJeeeefuele
efkeee nw. DeeHekee yeQke DeeJeeme $e+Ce, Jeenve $e+Ce leLee efMe#ee $e+Ce kes
efueS eEmeieue efkeueke Hej Dee@veueeFve ueesve SHueerkesMeve Yeer GheueyOe kejelee
nw .
FbjeeFpe JeeF[ peerSue meesuet=Meve efeeebefJele kej efoee ieee nw. en

DeeHekes yeQke kees JeJemeee efJekeeme cesb veerefleiele efveCe&e uesves kes FveHegesb
kes efJeefJeOe ekeej GheueyOe kejelee nw leLee FbjeeFpe JeeF[ mecesefkele
efjHees& pevejs kejlee nw.
Yeejle cesb DeeHekes yeQke kes meYeer keeee&ueeesb cesb kesvereke=le Hesjesue, Jesleve
cee@[et=ue, F&-er[erSme cee@[et=ue leLee ger cee@[et=ue kees efeeebefJele efkeee
ieee nw.
efveCe&e uesves, Heoesvveefle SJeb eeve eefeeeDeesb kees mejue kejves leLee Deve
SeDeej eefeeeDeesb kees mJeeeefuele kejves kes efueS yeQke kece&eeefjeesb kee
Ske kesvereke=le [seyesme leweej kejves kes eeespeve mes kece&eejer mesJeeDeesb
kes efueS ceeveJe mebmeeOeve vesJeke& efeeebefJele efkeee ieee nw.
keee&veerefle mebyebOeer met=evee kee ueeeruee SJeb eYeeJeMeeueer eesle, yesnlej

eenke Heneeve kes efueS eenke mebyebOe eyebOeve leLee ceeOeceesb cesb meceeve
48
eenke o=efkeesCe GheueyOe kejeves kes efueS DeeHekes yeQke ves, DeHeveer JeJemeee
keee&veerefle kes Ske efnmmes kes He cesb, [se JesejneGme eejbYe efkeee nw.
en jsieguesj kees mJeeeefuele [se Heuees keer megefJeOee Yeer eoeve kejlee nw.
DeeHekes yeQke ves efJeefvecee, Gvvele efJeMes<eleeDeesb meefnle F&-efyepevesme met=F,
JeeHeke eenke mebyebOe eyebOeve, SeDeejSveF&Sme leLee FbjeeFpe JeeF[
peerSue cee@[et=ue pewmeer ceewpet=oe SHueerkesMeveesb kees DeHees[ efkeee nw.
efJeefveeeceke DevegHeeuevee kes efueS OeveMeesOeve efveJeejCe (SSceSue) kees

Yeejle cesb leLee 22 efJeosMeer kesvesb cesb efeeebefJele efkeee ieee. DeeHekes yeQke
ves peesefKece eyebOeve meesuet=Meve kees efeeebefJele efkeee nw. DeeHekes yeQke ves
DeHeves eeeesefpele #es$eere eeceerCe yeQkeesb cesb Yeer SSceSue meesuet=Meve kees
efeeebefJele efkeee nw.
Je<e& kes oewjeve efJeefYevve veeer efJeefveeeceke DeeJeMekeleeDeesb pewmes efke SerSce,
ves yeQeEkeie, SmeSceSme pewmes efJeefYevve ceeOeceesb mes DeeOeej Yejvee, Hesve
vecyejesb kee Dee@veueeFve meleeHeve SJeb JewOeerkejCe, eenke DeeF&[er kee
[er-[gHueerkesMeve Fleeefo, kees Het=je efkeee ieee.
met=evee megj#ee
eeweesefiekeer mes mebyebefOele Kelejesb kes cesvepej meceer#eeOeerve Je<e& kes oewjeve Ske
mego={ met=evee megj#ee eyebOeve eCeeueer mLeeefHele keer ieF& nw. yeQke ves DeHeves
keesj yeQeEkeie meesuet=Meve leLee Deve meYeer SHueerkesMeveesb, meeLe ner [ee mesbj
/ ef[peemj efjkeJejer mesbj FbHe>em^keej kee yeenjer Spesbefmeeesb mes Dee@ef[
kejeee nw. MeeKeeDeesb cesb meeryeerSme uee@efieve kes efueS yeeeescesef^ke meleeHeve Meg
efkeee ieee nw.
DeeHekes yeQke ves Gvvele met=evee eeweesefiekeer megj#ee kes efueS Ske megj#ee Heefjeeueve
kesbv (SmeDeesSme) mLeeefHele efkeee nw. DeeHekes yeQke kee [ee mesbj Deewj
ef[peemj efjkeJejer mesbj oesveesb ner DeeF&SmeDees 27001 eje eceeefCele nQ.
Fbjves yeQeEkeie, SerSce leLee HeerDeesSme kes efueS DeeHekes yeQke ves ee@[ cewvespecesb
meesuet=Meve keeeeefJele efkeee nw. Fbjves yeQeEkeie cesb megj#ee Deewj efJeMJeeme ye{eves
kes efueS DeeHekes yeQke ves, oesnjs eceeCeerkejCe meefnle ee@[ cewvespecesb meesuet=Meve
Yeejle cesb leLee 7 efJeosMeer kesvesb Hej DeejbYe efkeee nw Deewj Fmes SDeejmeerDeeser
DeeserHeer, Heeret=SueSue DeeserHeer leLee SmeSceSme DeeserHeer eje meceLe& efkeee nw.
DeeHekes yeQke ves Skemeve&ue HeseEmeie SHueerkesMeve, F&-yeQeEkeie uee@ie cee@efveeEjie
Fleeefo keer efveeefcele JeerSHeerer (mebJesoveMeeruelee cet=ueebkeve SJeb hesefve^sMeve
peebe) kejeF& nw.
DeeHekes yeQke ves eenkeesb kes efnleesb keer j#ee kes efueS MeeKeeDeesb cesb nes jns mebefoiOe
mebJeJenejesb keer efove-eefleefove efveiejeveer kes efueS ee@[ peesefKece eyebOeve eCeeueer
efeeebefJele keer nw.
Deye peyeefke meeFyej Dewke Deye Deewj DeefOeke DeeleeefMele nes ieS nQ Deewj
Fuewkee^ efveke Yegieleeve eCeeueer veS ekeej kes ogHeeesieesb mes eYeeefJele nes mekeleer nw.
en DeleeJeMeke nes ieee nw efke yeQke Ssmes Kelejesb mes yeeves kes efueS leLee vegkemeeve
kees jeskeves / vetv= elece kejves kes efueS keg vetv= elece peebe Deewj meblegueve keeece kejs.b
vegkemeeve kees vet=velece kejves kes efueS DeeHekes yeQke ves efvecveefueefKele Deefleefjkele
megj#ee GHeee efkeS nQ efpevnsb MeerIe ner DeejbYe efkeee peeSiee.
DeeHekes yeQke ves kee[& mes efkeS peeves Jeeues mebJeJenejeW kes efueS peesefKece kees
kece kejves kes GHeee kes He cesb Yeejleere efj]peJe& yeQke kes efoMee-efveos&Meesb
kees efeeebefJele efkeee nw.

meYeer veS [sefye leLee esef[ kee[& Iejsuet= GHeeesie kes efueS peejer efkeS
peeSbies, peye leke efke eenke eje efJeMes<e He mes Deblejjeêre GHeeesie
kes efueS ceebiee venerb peeS.
DeeHekee yeQke ceewpet=oe cewieefm^He kee[es kees F&SceJeer efeHe kee[& cesb HeefjJeefle&le
kejsiee.
DeeHekee yeQke efHeve meceefLe&le HeerDeesSme DeejbYe kejsiee.
efJeeere Je<e& 2014 kes oewjeve veF& Henuesb

DeeHekes yeQke ves ves yeQeEkeie Hees&ue kes ceeOece mes Heb[ êbmeHej megefJeOee
leLee ye[ewoe efieHe kee[& keer Kejero eejbYe keer nw
ye[ewoe Sce-keveske (ceesyeeFue yeQeEkeie)
efJeJejCe
DeeHekee yeQke keeHees&js Fbjves yeQeEkeie kes efueS ef[efpeue nmlee#ej kees
Meeefceue kejves kes He cesb Deefleefjkele megj#ee DeejbYe kejsiee
2013-14
31/03/2013 31/03/2014
Je<e& kes oewjeve

Je=ef
F&-efyepevesme
êbpeskeMeve yeQeEkeie efJeYeeie ves eenke mebHeke& ye{eves, Heefjeeueveiele ueeiele kece
kejves leLee veeer JeJemeee mebYeeJeveeDeesb kees efJekeefmele kejves kes efueS keF&
JewkeefuHeke ef[ueerJejer ewveueesb keer MegDeele keer nw. SerSce, Fbjves yeQeEkeie,
ceesyeeFue yeQeEkeie, [sefye kee[&, eerHes[ kee[&, DeejerpeerSme/ SveF&SHeer Fvecesb
mes keg nQ. Je<e& kes oewjeve yeuke/ kewMe SkemesHj, Heemeyegke eEej, Fbjves
yeweEkeie efkeDeesmke leLee 45 ye[ewoe vee@ve-me@He 24 x 7 uee@yeer Keesueves Deeefo kes
He cesb mJeeb mesJee et=efveesb cesb cenlJeHet=Ce& eieefle ngF&.
efJeeere Je<e& 2014 kes oewjeve efJeefYevve et=efveesb kes keee&efve<Heeove keer ecegKe
efJeMes<eleeSb efvecveefueefKele nQ :
v
HebpeerkejCeesb keer
mebKee (ueeKe cesb)
6.07
12.95
6.88
mebJeJenejeW keer
kegue jeefMe (ueeKe
cesb)
7,704
46,525
37,921
eefleefove Deewmele
êbpeskeMeve
9,085
16,822
7,737
ye[ewoe DeejerpeerSme/ SveF&SHeer
efJeJejCe
SerSce ueieevee leLee [sefye kee[& peejer kejvee
efJeJejCe
31/03/2013
Heefjeeefuele
SerSce keer
mebKee
peejer [sefye
kee[eX keer
mebKee (ueeKe
cesb)
31/03/2014
2,630
6,254
Je<e& kes oewjeve

Je=ef
3,624
103.76
121.90
18.14
efJeeere Je<e& 2014 kes oewjeve veF& Henuesb / GHeueefyOeeeb

SerSce kees yengYee<eere meerve kes meeLe mece= kejvee leLee o=efnerve
ueesieesb kes efueS 1,200 yeesueves Jeeues SerSce ueieevee.
DeeHekes yeQke ves yengle DeefOeke kewMe eeHle nesves Jeeues kesvesb Hej 85 yebe
vees/ kewMe SkemesHj GheueyOe kejeS nQ.
DeeHekes yeQke ves eenkeesb kees legjble peejer kejves kes efueS iewj Jeweefkeleke
kee[& ueebe efkeee nw.
DeejerpeerSme
31/03/2013 31/03/2014 Je<e& kes 31/03/2013 31/03/2014 Je<e& kes

oewjeve
oewjeve
Je=ef
Je=ef
eefleefove
DeeJeke
êbpeskeMeve
76,361
1,66,772 90,411
9,929
12,057 2,128
eefleefove
peeJeke
êbpeskeMeve
25,092
56,684 31,592
11,717
13,754 2,041
SveF&SHeer
ye[ewoe F&-iesJes (Fbjves Yegieleeve iesJes)
efJeJejCe
31/03/2013
31/03/2014
Je<e& kes oewjeve

Je=ef
ve&DeesJej (kejes[ cesb)
50.85
118.33
67.48
ueeYe (ueeKe cesb)
65.68
130.02
64.34
ye[ewoe keveske (Fbjves yeQeEkeie)
efJeJejCe
eeeskeleDeesb keer mebKee
(ueeKe cesb)
menye Keeleesb keer
mebKee (ueeKe cesb)
31/03/2013
ye[ewoe vekeoer eyebOeve
efJeJejCe
31/03/2014
10.80
Je<e& kes
oewjeve Je=ef
13.68
2.88
45.80
61.79
15.99
êbpeskeMeveesb keer meb. (ueeKe cesb)

ve&DeesJej (kejes[ cesb)
Deee (kejes[ cesb)
31/03/2013 31/03/2014 Je<e& kes

oewjeve
Je=ef
30.91
27,480
0.97
21.32
-9.59
89,920 62,440
1.31
0.34
49
2013-14
efJeeere Je<e& 2014 kes oewjeve F&-efyepevesme cesb Deve Henuesb

l Keelee efJeJejCeer kees menpeleehetJe&ke Deeleve kejves kes efueS 1,200 mesuHe
meefJe&me Heemeyegke eEej ueieevee.
yengle DeefOeke kewMe eeHle kejves Jeeues kesvesb Hej 85 yebe vees SkemesHj
(yeerSveS) ueieevee.
DeejDeejyeer kes efueS kesmeermeer kee[& leLee [sefye kee[& peejer kejvee Meg
kejvee.
F&SceJeer efeHe [sefye kee[& keer MegDeele kejvee.
keeHees&js DeeJeMekeleeDeesb kees Het=je kejves kes efueS ye[ewoe vekeoer eyebOeve
mesJee nsleg Jesye cee@[et=ue kee efeeevJeeve.
SkeerJesMeve leLee eeesie kees ye{eves kes efueS ceesyeeFue yeQeEkeie efjJee[&
DeefYeeeve Meg kejvee.
keevske mesbjesb Hej DeeF&JeerDeej megefJeOee cesb Je=ef kejvee.
ye[ewoe SmeSceSme yeQeEkeie megefJeOee kee efeeevJeeve.
mJeeeefuele meceeMeesOeve kes efueS SveSmeerSe megefJeOee Meg kejvee.
efJeeere Je<e&-15 mes efueS eespeveeye F&-efyepevesme mebyebOeer Henuesb

SerSce/ kewMe ef[mHesbmej keer mebKee cesb Je=ef kej Fvnsb 8000 leke Hengbeevee.
efJeefYevve eenke Jeiees kes efueS Jeerpee, ceemj SJeb Hes kes F&SceJeer [sefye
kee[& eejcYe kejvee.
peeceveiej #es$e ceW kece&eejer meccesueve kes oewjeve eer Sme. Sme. cetbo[e, DeOe#e SJeb
eyebOe efveosMeke leLee Deve GeeefOekeejer
DeeHekes yeQke kes Heeme 46,001 kegMeue SJeb eesie kece&eeefjeesb kes He cesb Ske ye[er
ece Meefkele nw, pees eEeleve, Oeeve leLee me#ecelee kes ceeOece mes efnleOeejkeesb
kes cet=ue mebJeOe&ve kes efueS meowJe eefleye nw.
DeHeveer Glke=lee kes Fme meHej cesb TbeeFeesb Hej Hengbeves keer meYeer efnleOeejkeesb
keer ye[er DeekeebMeeDeesb Deewj ye[s meHeveesb kees Het=je kejves kee GejoeefelJe DeeHekes
yeQke ves efueee nw, en JeemleJe cesb DeeHekes yeQke keer ceeveJe Meefkele ner nw efpemeves
en mebYeJe efkeee nw.
DeeHekes yeQke kes efvejblej efJekeeme kes efueS Fme Het=bpeer kee cenlJe mecePeves kes
efueS peneb Ske lejHe lees ye[er mebKee cesb mesJeeefveJe=efe, eefleYeeJeeve ueesieesb keer
JeeHeke Yeleer&, ye[er cee$ee cesb eefMe#eCe DeeJeMekeleeSb, Ge GlHeeokelee kes
1,000 Deefleefjkele yeuke vees SkemesHj/ kewMe jermeeFkeueme& ueieevee.
SerSce Hej efyeue Yegieleeve, kee[& mes kee[& Heb[ êbmeHej Fleeefo pewmeer
cet=ueJeefOe&le mesJeeSb DeejcYe kejvee.
SmeSceSme kes ceeOece mes [sefye kee[& yuee@eEkeie Svesyeue kejvee
Deefleefjkele megj#ee GHeeeesb kes He cesb ye[er jeefMe kes Yegieleeve uesveosveesb kes
efueS ye[ewoe keveske cesb ef[efpeue nmlee#ej keer megefJeOee Meg kejvee.
ceesyeeFue yeQeEkeie cesb, SveHeermeerDeeF& kes mecevJeeve mes DeeOeej kee[& DeeOeeefjle
Yegieleeve eCeeueer (SyeerHeerSme) DeejcYe kejvee.
ceesyeeFue yeQeEkeie kes efueS #es$eere yewke Dee@efHeme (DeejyeerDees) kees DeHeves
mlej Hej Keesues ieS meYeer Hee$e Keeleesb kees Hebpeerke=le kejves kes efueS meceLe&
kejvee.
mesuHe meefJe&me Heg eEe leLee yeeb[ o=Melee cesb Je=ef kejves kes efueS 100
Deefleefjkele mesuHe meefJe&me ye[ewoe vee@ve meHe uee@yeer Keesuevee.
400 Deefleefjkele ceuer HebkeMeve efkeDeesmke mLeeefHele kejvee.

l eenkeesb kes efueS ceesyeeFue SHueerkesMeve kes ceeOece mes F&-Heemeyegke meefJe&me
eejcYe kejvee.
l
ceeveJe mebmeeOeve - efyepevesme Glke=lee kes efueS me#ecelee SJeb

pet=vet=ve Hewoe kejvee
DeeHekes yeQke keer meHeuelee SJeb Fmekee engbcegKeer efJekeeme, yeQke cesb efJeeceeve
efJeefYevve Deeefmleeesb kes HeefjCeecemJeHe nw. Fvecesb mes meyemes cenlJeHet=Ce& nw Fmekeer
ceeveJe Het=bpeer - Fmecesb keee& kejves Jeeues kece&eejer, efpevnesbves yeQke kees Je=ef kes
ceeOece mes JeeHeke Heefjes#e cesb veF& TbeeFeesb Hej Hebngeeee nw.
50
efueS ueieeleej veF& eespeveeSb SJeb Gvnsb ueeiet= kejves pewmeer yengle meer egveewefleeeb
nQ, Jenerb ot=mejer lejHe DeeHekes yeQke ves neue ner cesb Deewj cegKele: efJeleere Je<e&-14
cesb ceeveJe mebmeeOeve kes #es$e cesb yengle meejer Henuesb keer nw.
Yeleer&, Heoesvveefle, lewveeleer Fleeefo pewmeer efveeefcele ceeveJe mebmeeOeve ieefleefJeefOeeesb
kes DeueeJee DeeHekes yeQke cesb JeeHeke SJeb yesno megieef"le ceeveJe mebmeeOeve eespeSke
kes mecHet=Ce& efJemleej kes Debleie&le ceeveJe mebmeeOeve mebyeOeer vees mebMeesOeve/ megOeej
eejcYe kejves kee keee& efkeee ieee nw efpemes eespeske mHeMe&- meJees&lke=
JeJemeee kes efueS ceeveJeere mHeMe& veece efoee ieee nw.
DeeHekes yeQke cesb ceeveJe mebmeeOeve keeees kes efJeefYevve lelJeesb kee mecesefkele {ebee
leweej kejves kes efueS yeQeEkeie Geesie cesb en Ske Demeceeveevlej ceeveJe mebmeeOeve
HeeblejCe eespeske nw. eespeske mHeMe& kes Deiemle 2011 cesb Meg nesves kes yeeo
mes {eF& Je<e& yeerle peeves kes yeeo, keF& veeer SJeb Devet="er SeDeej Henuesb eejcYe
keer ieF& nQ leLee Deve ceewpet=oe veerefleeesb, eespeveeDeesb, eefeeeDeesb cesb megOeej
efkeee ieee nQ leeefke Gvnsb Deewj DeefOeke JeeHeke, DeleeOegefveke, kece&eeefjeesb
kes Devegket=ue yeveeee pee mekes leLee yeQke kes JeJemeee kes meeLe cenlJeHet=Ce&
meecebpeme mLeeefHele nes mekes.
efJeeere Je<e&-14 cesb SeDeej kes #es$e cesb keer ieF& cenlJeHet=Ce& GHeueefyOeeesb kee

efJeJejCe efvecveevegmeej nw:
veerefleHejke peveyeue Deeeespevee Deewj Yeleer& DeefYeeeve

JeJemeee keer Je=ef leLee Gmes yeveeS jKeves kes efueS meJees&lke= peveyeue kee
efceuevee Henueer DeeJeMekelee nw. FmeefueS mlej, o#elee leLee MeeKee eje
ceeveJe Meefkele keer pejle kee Helee ueieeves kes efueS Ske meMekele eceMeefkele
Deeeespevee cee@[ue leweej efkeee ieee nw. en efJeefYevve SeDeej keeees pewmes
Yeleer& Deeeespevee, kewefjej Gvveefle, efjefkeleeeb leLee HeomLeeHevee / lewveeleer cesb
Deieues keg Je<ees kes efueS veerefleHejke eceMeefkele Deeeespevee Meeefceue kejves kes
efueS Yeer leweej efkeee ieee nw.
DeeHekes yeQke ves Ske mHe HeefjYeeef<ele Yeleer& veerefle leweej keer nw peesefke efJeefYevve
ewveueesb mes Yeleer&, veerefleHejke ece Meefkele Deeeespevee kes Devegmeej GYej jner
DeeJeMekeleeDeesb kees Oeeve cesb jKeles ngS ye[er mebKee cesb Yeleer& kejves Deewj veeres
yeleees ieS Devegmeej mHe HeefjYeeef<ele efveeespeke emleeJeke Meyo "FIRST"
keer mebkeuHevee kee DevegkejCe kejleer nw.
yeQke keer JesyemeeF Hej Ske efJeMes<e He mes leweej kewefjej Hees&ue kee MegYeejbYe
efkeee ieee pees yeQke Dee@He ye[ewoe cesb keee& kes efJeefYevve leLeesb kees Jekele kejles
ngS mHe mebyebefOele Keb[esb kes meeLe Fme cet=ue DeJeOeejCee kees HeefjYeeef<ele kejlee
nw efke keeesb DeeHekee yeQke efkemeer YeeJeer DeeJesoke kes efueS Hemeboeroe peien nw.
GuuesKeveere He mes Fve keee&veerefleeesb mes DeeHekes yeQke keer efveeespeke yeebeE[ie
kees ye[er esjCee efceueleer nw.
vees Yeleer& meHe meomeesb kees ye[ewoe HeefjJeej cesb menpe leLee eYeeJeer He
mes Meeefceue kejves kes efueS DeeHekes yeQke vesb Ske yesno megieef"le leLee kesefvle
Dee@ve yeeseE[&ie eeseece leweej efkeee nw efpemekee GsMe ve kesJeue yeQke cesb vees
Yeleer& meHe meomeesb kees keee& kes Devegket=ue {euevee nw DeefHeleg Fme mebmLeeve cesb
Gvekeer meebmke=efleke meceerkejCe kees Deelcemeele kejvee Yeer nw. Fmekes DeueeJee
DeeHekes yeQke ves vees Yeleer& meHe meomeesb kes efueS Ske kesefvle cesbeEjie eeseece
ye[ewoe meejLeer Yeer Meg efkeee nw efpemecesb Jeefj kece&eejer - Ske cesbj,
veS kece&eeefjeesb keer keeHees&js #es$e cesb menpelee mes mecebefpele nesves leLee DeeHekes
yeQke kes keee& SJeb cenlJeHet=Ce& Heefle kees DeHeveeves cesb Gmekeer ceoo kejlee nw.
ye[ewoe ceefCeHeeue mket=ue Dee@He yeQeEkeie
2013-14
yeQeEkeie kewefjej kes efueS Gvnsb eefMeef#ele kejves kes efueS yeQke Dee@He ye[ewoe
leLee ceefCeHeeue iueesyeue Spet=kesMeve keer Skecee$e mebmLee nw efpemecesb eefMeef#ele
DeefOekeeefjeesb kee kegMeue oue nw. efJeeeLeer& Ske Je<eer&e mebkesefvle keee&ece kes
lenle eefMe#eCe eeHle kejles nQ peesefke efJeefMe He mes yeQke keer DeeJeMekeleeDeesb
kes DevegHe leweej efkeee ieee nw Deewj yeQke cesb eesyesMevejer DeeefHemej kes
He cesb efueS peeves mes Henues Jes yeQeEkeie Je efJee cesb Heesm-espegS ef[Hueescee
neefmeue kejles nQ. en eeseece eefMe#eCe, Yeleer& SJeb lewveeleer kes FveJeef&[
cee@[ue Hej keee& kejlee nw .
efJeeere Je<e&-14 kes oewjeve Yeleer& DeefYeeeve

DeeHekee yeQke Je<e&-oj-Je<e& DeeOeej Hej mesJeeefveJe=efe, JeJemeee efJekeeme kees
yeveeS jKeves Je leere MeeKee efJemleej Fleeefo Hej efJeMes<e Oeeve osles ngS Yeleer&
kes efJeMes<e eeeme kej jne nw. DeeHekes yeQke keer ece Meefkele mebyebOeer mecemee
kees ot=j kejves kes efueS Je<e& kes oewjeve Yeleer& kes efueS efJeefYevve Hejer#eeDeesb kee
Deeeespeve efkeee ieee. DeeHekes yeQke keer oesveesb ner lejn keer pejleesb -meeceeve
He mes veewkejer es[kej peevesJeeueesb keer peien Yejves Je JeJemeee efJekeeme keer
pejleesb kees Het=je kejves keer o=ef mes efJeMes<e%e DeefOekeeefjeesb, HeefjJeer#eeOeerve
DeefOekeeefjeesb leLee efueefHekeesb keer Yeleer& keer MegDeele keer ieF&. DeeHekes yeQke ves
efJeefYevve esefCeeesb/ Jesleveceeveesb cesb 2,685 DeefOekeeefjeesb (meeceeve Deewj efJeMes<e%e
oesveesb), 3125 efueefHekeesb leLee 439 DeOeervemLe mebJeie& kes meHe meomeesb keer
Yeleer& keer, Fmecesb Je<e& 2013-2014 keer DeJeefOe kes oewjeve kegue 6,249 veS
kece&eeefjeesb keer Yeleer& keer ieF&. Yeleer& eefeee 2014-15 kes oewjeve Yeer peejer
nw efpemekes lenle DeefOekeeefjeesb kes ueieYeie 3800 Heoesb Deewj efueefHekeesb kes 3800
Heoesb kees Yejves keer Yeleer& eefeee eue jner nw.
eefleYee eyebOeve JeJemLee kee ie"ve
yeQke cesb mebYeeefJele egJee ueer[jesb kees efveOee&efjle kejves SJeb Gvnsb eefMeef#ele kejves
keer o=ef mes leeefke Jes keef"ve heefjefmLeefleeeW cesb keece kej mekesb Deewj YeefJe<e cesb
YeeJeer vesle=lJe eoeve kej mekesb, DeeHekes yeQke ves Ske megieef"le suesv cesvespeceW
efmemce yeveeves leLee Gmes ueeiet= kejves kes efueS ye[e keoce G"eee nw. en heefle
efJeefYevve ceeveob[esb kes DeeOeej Hej YeefJe<e kes mebYeeefJele ueer[jesb kee efveOee&jCe
kejleer nw leLee Gvekees eleske eeefvele ueer[j kes efueS efJeefOeJele efJekeeme eespevee
kes ceeOece mes eefMeef#ele Yeer kejleer nw
en Ske Jeeef<e&ke eefeee nw Deewj efJeeere Je<e&-14 cesb DeeHekes yeQke ves DeefOekeeefjeesb
kes efJeefYevve mkesue DeLee&led mkesue II, III, IV, V leLee VI cesb ueieYeie 20%
ueesieesb kee eeve YeeJeer ueer[jesb kes He cesb efkeee nw.
kewefjej efJekeeme nsleg He-jsKee

DeeHekes yeQke eje kece&eeefjeesb kes kewefjej efJekeeme kes eeslmeenve nsleg meceefvJele
eeeme efkeS ieS nQ. Keemekej Gvekes eeemeesb kes efueS Gvnsb Hegjmke=le kejvee
leLee Gvnsb keeHees&js Heoevegece DeLee&led kewefjej cesb Deeies ueevee Deewj Fme ekeej
mebmLeeiele leLee Jeefkeleiele DeefYeuee<eeDeesb kees Het=je kejves kes efueS DeefYeesefjle
kejvee Meeefceue nw.
DeeHekee yeQke ve kesJeue Heoevegece cesb Deeies ye{ves kes efueS DeJemej eoeve kejlee
nw yeefuke Gvnsb efJemle=le SkemeHeespej eoeve kejves leLee Gvekes efueS ke[er cesnvele
mes eeHle efkeee peeves Jeeuee Ske mHe kewefjej HeeLe eoeve kejves kes efueS
efJeefYevve keeees cesb DeefOekeeefjeesb kee meceeveeblej mlej Yeer megefveefMele kejlee nw.
ye[ewoe ceefCeHeeue mket=ue Dee@He yeQeEkeie (yeerSceSmeyeer) Hem& [s, Hem&

DeeJej ees[efkeefJeer cee@[ue Hej efJeeeefLe&eesb kees yeQke Dee@He ye[ewoe cesb
neue kes Je<ees keer lejn, efJee Je<e& 14 cesb Yeer, meYeer mebJeiees cesb Heoesvveefle eefeee
Deeeesefpele keer ieF& leLee efvecveefueefKele leeefuekee kes DevegHe kegue 3,525
kece&eeefjeesb kees Ge es[/ mkesue cesb Heoesvvele efkeee ieee.
51
2013-14
esCeer
meye meHe mes efueefHeke
efueefHeke mes DeefOekeejer
ke.e.es -I mes ce.e.es. - II (DeefOekeejer mes eyebOeke)
ce.e.es. - II mes ce.e.es. - III (eyebOeke mes Jeefj.
eyebOeke)
ce.e.es. - III mes Je.e.es. - IV (Jeefj. eyebOeke mes
cegKe eyebOeke)
Je.e.es. - IV mes Je.e.es. - V (cegKe eyebOeke mes
mene. ceneeyebOeke)
Je.e.es. - V mes G.kee.es. - VI (mene. ceneeyebOeke mes
GHe ceneeyebOeke)
G.kee.es. - VI mes G.kee.es. - VII (GHe ceneeyebOeke
mes ceneeyebOeke)
kece&eeefjeesb
keer meb.
149
532
1271
950
euelee nw. yeQke eje Smemeer SJeb Smeer ueesieesb kes efJekeeme SJeb keueeCe kes
mebyebOe cesb efkeS ieS eeemeesb kee mebef#eHle GuuesKe veeres efkeee ieee nw.
1. veewkeefjeesb cesb Deej#eCe

yeQke DeHeveer DeefKeue Yeejleere SJeb Yeleer& eespeveeDeesb cesb Yeejle mejkeej
eje veewkeefjeesb cesb Deej#eCe kes mebyebOe cesb efveOee&efjle meYeer efoMeeefveos&Meesb
kee DevegHeeueve kejlee nw. DeefKeue Yeejleere efveegefkeleeesb cesb leLee yeQke eje
Meg efkeS pee jns Yeleer& kes Ske veS ewveue ye[ewoe ceefCeHeeue mket=ue Dee@He
yeQeEkeie kes efueS eeve cesb kegue Heoesb cesb mes 15% Heo Devegmet=efele peeefleeesb
kes efueS leLee 7.5% Heo Devegmet=efele pevepeeefleeesb kes efueS Deejef#ele nQ.
#es$eere DeeOeej Hej keer ieF& Deve Yeefle&eesb cesb efJeefYevve jepeesb kes efueS
efveOee&efjle GHeegkele eefleMele kee DevegHeeueve efkeee pee jne nw. yeQke cesb
Yeleer& kes mebyebOe cesb Smemeer/Smeer DeeJesokeesb kes efueS Yeleer& Het=Je& DeesefjSbsMeve
eefMe#eCe eoeve kejves kes efueS efJeMes<e eeeme efkeS pee jns nQ. Deeeg meercee
SJeb eesielee cesb GHeegkele efjeeele eoeve keer peeleer nw. Smemeer/Smeer
DeYeefLe&eesb kes mee#eelkeej cesb Yeer efjeeele yejleer peeleer nw leeefke Deejef#ele
Heoesb Hej efveegefkele nes mekes. Yeleer& nsleg meceer#ee Hewveue cesb DeefveJeee& He mes
Smemeer/Smeer meome Meeefceue efkeee peelee nw. mee#eelkeej nsleg yegueeS
ieS Smemeer/ Smeer DeYeefLe&eesb kees ee$ee Jee keer eefleHet=efle& keer peeleer
nw. veewkejer cesb Deej#eCe osves kes DeueeJee yeQke efJeeceeve efoMeeefveos&Meesb kes
DevegHe Smemeer/ Smeer kece&eeefjeesb kes kewefjej efJekeeme SJeb Heoesvveefle
kes mebyebOe cesb Deej#eCe SJeb Deve megefJeOeeSb eoeve kejlee nw. Heoesvveefle
eefeee cesb Yeeie uesves Jeeues kece&eeefjeesb kees Heoesvveefle Het=Je& eefMe#eCe Yeer
eoeve efkeee peelee nw. Fmekes DeueeJee, yeQke kes GheueyOe DeeJeemeesb cesb
Smemeer/ Smeer kes efueS 10% kee Deej#eCe efkeee ieee nw.
31 ceee& 2014 kees meHe keer mebKee SJeb Devegmet=efele peeefle leLee pevepeeefle
kee eefleefveefOelJe efvecveevegmeej jne:
466
90
48
19
kece&eejer efveegefkele SJeb Hegjmkeej

Ge DeefYeesjCee SJeb GlHeeokelee nsleg kece&eeefjeesb keer efveegefkele kes mlejesb cesb
Je=ef kejves kes efueS DeeHekes yeQke ves neue ner cesb kece&eejer eeslmeenve Hej Ske
veerefle yeveeF& nQ. Fme veerefle kes Devegmeej SeDeej leLee Ge eyebOeve kes meeLe
kece&eeefjeesb kes mebyebOeesb kees megOeejves kes efueS meblees<epeveke meJes& kejvee, keefve
SJeb Jeefj kece&eeefjeesb kes cesuepeesue kes efueS keee&MeeueeSb Deeeesefpele kejvee
Fleeefo pewmeer Henuesb keer ieF& nQ.
keee&efve<Heeove keer mebmke=efle efJekeefmele kejves leLee meJees&e keee&efve<Heeokeesb kees
Hegjmke=le kejves kes efueS, DeeHekes yeQke ves neue ner cesb DeHeves kece&eeefjeesb kes efueS
keee&efve<Heeove mes peg[er Ske eeslmeenve eespevee Meg keer nw.
SeDeej eeweesefiekeer kee keeee&vJeeve

DeeHekes yeQke vesb SeDeejSce, eefMe#eCe, Hesjesue Je ger kes cee@[det=ue pewmeer
kece&eejer mesJeeDeesb kes efueS Ske yengle ner efJeMes<e SeDeej lekeveerke HuesHeece&
leweej efkeee nw, efpemes kece&eejer mesJeeDeesb kes efueS ceeveJe mebmeeOeve vesJeke&
(SeDeejSveF&Sme) veece efoee ieee nw. Fme lekeveerkeer HuesHeece& ves efJeefYevve
SeDeej keeees SJeb eefeeeDeesb kees mJeeeefuele kej efoee nw. SeDeej mJeeeueve,
efJeefYevve SeDeej Henueesb kees yeveeS jKeves leLee Gvekees efeeeefvJele kejves cesb
Deleble keejiej nw leLee keg eefeeeDeesb kees Het=jer lejn mJeeeefuele kej efoee
ieee nw Fmemes SeDeej keeees keer o#elee cesb Je=ef nesleer nw Jenerb mecee Yeer
kece ueielee nw.
kew[j
kegue
Smemeer
Smemeer%
Smeer
DeefOekeejer
19,710
3,429
17.40
1,423
7.22
efueefHeke
18,043
2,600
14.41
1,310
7.26
meye meHe
8,248
2,760
33.46
798
9.68
kegue
46,001
8,789
19.11
3,531
7.68
2. Deej#eCe ke#e

GHejeskele SeDeej keeees kes Deefleefjkele, efJee Je<e&-14 kes oewjeve DeeHekes yeQke
cesb SeDeej efJeYeeie keer keee& eCeeueer Yeer mego={ keer ieF& nw leLee efveeefcele
eeMemeefveke ieefleefJeefOeeesb kee SeDeej yewke-Dee@efHeme cesb kesverkejCe kej Fmes
Deewj DeefOeke me#ece yeveeee ieee nw.
Devegmet=efele peeefle/pevepeeefle/Deve efHe[esb Jeiees kes efJekeeme Hej efJeMes<e yeue
yeQke Yeejleere meceepe kes Smemeer/Smeer SJeb Deve efHe[s Jeiees mes peg[s Jeefkeleeesb
kes efJekeeme SJeb keueeCe mebyebOeer mebJewOeeefveke GHeyebOeesb SJeb meeceeefpeke GsMe
kes eefle eefleye nw. nceeje yeQke Het=js yeQeEkeie Geesie cesb Gve egeEveoe yeQkeesb cesb mes
Ske nw efpemekes Heeme Smemeer SJeb Smeer mebJeie& mes peg[s DeefOekelece kece&eejer nQ,
efpememes yeQke keer Fme Jeie& kes efJekeeme SJeb GlLeeve kes eefle eefleyelee kee Helee
52
Smeer%
yeQke cesb Deej#eCe leLee Smemeer/ Smeer kece&eeefjeesb kes efueS Deve mecye
eeJeOeeveesb keer efveiejeveer kes efueS Ske efJeMes<e Deej#eCe ke#e keee&jle
nw. ceneeyebOeke mlej kes Ske keee&Heeueke Smemeer/ Smeer/ Heer[yuet= SJeb
Yet=leHet=Je& kece&eeefjeesb kes efueS cegKe mebHeke& DeefOekeejer nQ pees Smemeer/
Smeer/ Heer[yuet= SJeb Yet=leHet=Je& kece&eeefjeesb mes mebyebefOele efJeefJeOe efoMeeefveos&Meesb
kee DevegHeeueve megefveefMele kejles nQ. yeQke kes eleske Debeue cesb Smemeer/
Smeer nsleg Ske mebHeke& DeefOekeejer efveegkele efkeee ieee nw pees Debeue kes
Smemeer/ Smeer kece&eeefjeesb kes meYeer ceeceueesb SJeb efMekeeeleesb kes efveHeejs
keer efmLeefle keer osKejsKe kejlee nw.
3. Devegmet=efele peeefle/ pevepeeefle keueeCe mebIe kes meeLe yew"ke

yeQke keeHees&js mlej keer Devegmet=efele peeefle/pevepeeefle keueeCe mebIe kes

eefleefveefOeeesb kes meeLe efleceener DeeOeej Hej yew"kesb Deeeesefpele kejlee nw
leeefke Gvekes meeLe meerOee mebJeeo mLeeefHele efkeee pee mekes SJeb Smemeer/
Smeer mebyebOeer Deej#eCe leLee Deve eeJeOeeveesb keer meceer#ee keer pee mekes.

Fve yew"keesb cesb DeOe#e SJeb eyebOe efveosMeke leLee Jeefj keee&Heeueke
efpemecesb Smemeer/ Smeer/ Heer[yuet=[er SJeb Yet=leHet=Je& kece&eeefjeesb nsleg cegKe
mebHeke& DeefOekeejer Meeefceue nw, Yeeie uesles nQ.
4. Yeejle jlve [e@ yeeyee meenye Debyes[kej cewceesefjeue ^m

yeQke ves 1991 cesb Yeejle jlve [e@ yeeyee meenye Debyes[kej cewceesefjeue
^m keer mLeeHevee keer efpememes efke Smemeer/ Smeer kece&eeefjeesb SJeb Gvekes
HeefjJeej peveesb kes ueeYe nsleg keueeCekeejer ieefleefJeefOeeesb kees ye{eJee efceue
mekes. Smemeer/ Smeer kece&eeefjeesb kes yeeesb kees e$eJe=efe eoeve kejves
kes Deefleefjkele en ^m osMe kes cenlJeHet=Ce& kesvesb Hej meeceeve Smemeer/
Smeer mecegoee kes pejlecebo e$eesb kees Yeer e$eJe=efe eoeve kejlee nw.
2013-14
meHe kee@uespe Denceoeyeeo kes efveeb$eCe cesb nQ. meHe kee@uespe ves DeHeves Meeveoej
49 Je<e& meHeueleeHet=Je&ke Het=js kej efueS nQ leLee 21 veJebyej, 2013 kees mJeCe&
peebleer Je<e& cesb eJesMe efkeee nw. mJeCe& peebleer Je<e& kees Gmeer efove DeeHekes yeQke
kes DeOe#e SJeb eyebOe efveosMeke eje ueebe efkeee ieee. mJeCe& peebleer Je<e&
ceveeves kes efueS Je<e&Yej Deveske eefMe#eCe keee&eceesb kee Deeeespeve efkeee ieee.
Je<e& kes oewjeve yesbieuet=j cesb Ske veee eefMe#eCe kesb Keesuee ieee.
5. jeêre Devegmet=efele peeefle Deeeesie kee oewje

efJeeere Je<e&-14 kes oewjeve jeêre Devegmet=efele peeefle Deeeesie ves DeeHekes
yeQke kee 22 Dekelet=yej, 2013 YegJevesMJej cesb leLee 26 Dekelet=yej, 2013
iegJeeneer cesb oewje efkeee. Deeeesie kes megPeeJeesb leLee efoMee-efveos&Meesb kee
DeeHekes yeQke cesb ke[eF& mes Heeueve efkeee pee jne nw.
SeDeej kes #es$e cesb yeQke kes mecee eeemeesb kes keejCe, DeeHekes yeQke ves efveeespekeesb
kes #es$e cesb DeHeveer mekeejelceke Heneeve yeveeF& nw efpemes Fme leLe kes meeLe
eeceeefCele efkeee pee mekelee nw efke Je<e& 2013 cesb DeeF&yeerHeerSme keer jwbeEkeie
kes Devegmeej vees Yeleer& ueesieesb kes efueS yeQke Dee@He ye[ewoe meyemes Henueer Hemebo
kee meeJe&peefveke #es$e yeQke jne nw. ncesb efJeMJeeme nw efke SeDeej Henueesb mes
DeJeMe ner kece&eejer GlHeeokelee kee efJekeeme nesiee leLee SeDeej keewMeue cesb
megOeej, yeQke keer ceeveJe Het=bpeer kee Het=je ueeYe leLee lekeveerkeer eeesie kes ceeOece
mes DeeCeer SeDeej veerefleeesb SJeb eefeeeDeesb kes efeeevJeeve eje melele SJeb
mLeeeer SeDeej HuesHeece& kee efvecee&Ce nesiee.
eefMe#eCe SJeb efJekeeme kes efueS Ske meceefHe&le ke#e

ye{leer ngF& eeflemHeOee& kes Heefjes#e cesb ceewpet=oe peve yeue kes eefMe#eCe keer
DeeJeMekelee leLee Gmekes meeLe-meeLe yeQke cesb ye[s Hewceeves Hej Yeleer& kes meboYe&
cesb eefMe#eCe SJeb efJekeeme kes cenlJe kees osKeles ngS, DeeHekes yeQke ves efJeeere
Je<e&-14 kes oewjeve yeQke cesb efMe#eCe kes efueS Ske veee ke#e mLeeefHele efkeee nw
leLee cegKe efMe#eCe DeefOekeejer (meerSueDees) kes He cesb Ske veee Heo yeveeee
nw. meerSueDees ceneeyebOeke mlej kes DeefOekeejer nQ pees efMe#eCe ceOemLelee kes
ceeOece mes mebie"ve keer meneelee kejsbies.
Fme vees efJeYeeie kes efJemle=le keee& efvecveefueefKele nQ N
eYeeJeer %eeve eyebOeve kes efueS F&-ueeEve&ie kees mebmLeeiele mJeHe osvee SJeb
efJekeeme kejvee
veJeesvces<eer keeees kes ceeOece mes mebie"ve kes yeere DeOeeve kee ceenewue yeveevee
eenke efMe#ee kes ceeOece mes yeQke kes GlHeeoesb leLee mesJeeDeesb kees mecePeves
leLee Gvekee eeesie kejves cesb eenkeesb keer ceoo kejvee.
Deve keee& ecegKeesb kes meneesie mes GHeegkele keesme& leweej kej Heefjeeueveiele
eeLeefcekeleeDeesb kes meceHe eefMe#eCe osvee.
ye[ewoe Dekeeoceer kee mebeeueve Ssmes GsMeesb kes efueS kejvee, efpevekes efueS
en yeveeF& ieF& nw.
DeeHekes yeQke cesb 15 eefMe#eCe mebmLeeve nQ pees Het=js osMe cesb Hewues ngS nQ. es meYeer
eer Sme. Sme. cetbo[e, meerSce[er, meHe keeuespe Denceoeyeeo kes mJeCe& peevleer meceejesn
kee GodIeeve kejles ngS
yeQke kes mebkeee meomeesb ves yengle mes efjmee& HesHej efueKes efpevnsb jeêre SJeb
Deblejjeêre meccesueveesb cesb emlegle efkeee ieee leLee Gmekes HeMeele Gvnsb
ekeeefMele efkeee ieee.
DeeHekes yeQke keer eefMe#eCe eCeeueer cesb kesme DeOeeve Heefle kee JeeHeke He
mes eeesie neslee nw leLee eefMe#eCe kees Ge DevegYeJe peve leLee DevegkejCeDeeOeeefjle yeveeves kes efueS mebkeee meomeesb eje efJekeefmele kesme DeOeeveesb kee
Ske Het=ue yeveeee ieee nw.
yeQke eje eefMe#eCe kes #es$e cesb Je<e&Yej cesb yengle mes veJeesvces<eer keoce G"eS ieS
nQ. DeeHekes yeQke keer eefMe#eCe eCeeueer kees efJeefYevve #es$eesb cesb veJeesvces<eer eefMe#eCe
keeees kes efueS jeêre Hegjmkeej eeHle ngS nQ. efJeeere Je<e&-14 kes oewjeve
Fbef[eve meesmeeeer Hee@j ^seEveie SC[ [sJeuehecesb (DeeF&Smeer[er) eje yeQke kees
leermeje Hegjmkeej efoee ieee.
GlHeeoesb kes yeejs cesb JeeHeke mlej Hej eefMe#eCe

JeeHeke mlej kes GlHeeo eefMe#eCe kes efueS DeeHekes yeQke eje Smesb[ veeceke
DeefYeeeve eueeee ieee efpemecesb He>b ueeFve DeefOekeeefjeesb kees efjsue $e+Ce,
efjsue Deeefmle leLee F&-efyepevesme pewmes GlHeeoesb keer peevekeejer oer ieF&. Fme
DeefYeeeve kees Het=Ce&le: eefMe#ekeesb SJeb Heefjeeueveiele yewkejesb eje eueeee
ieee efpemecesb 5,987 kece&eeefjeesb kees keJej efkeee ieee pees ue#e mecet=n kee
ueieYeie 95% nw.
Fmeer lejn mes GlHeeoesb keer peevekeejer kes yeejs cesb Deewj DeefOeke peeiekelee Hewueeves
kes efueS ye[ewoe %eeveer veeceke DeefKeue Yeejleere efkeJepe kes oes oewj Deeeesefpele
efkeS ieS. DeHeves GlHeeo mebyebOeer %eeve kees ye{eves kes efueS Fme eefleeesefielee cesb
meye-meHe mes DeefOekeejer leke kes 4,000 mes DeefOeke kece&eeefjeesb ves Yeeie efueee.
Fme eeespeve kes efueS efjsue GlHeeoesb Hej F&-ueeEve&ie cee@[ue Yeer Meg efkeS ieS.
veeer eefMe#eCe veerefle DeHeveevee

DeeHekes yeQke cesb yees[& eje Devegceesefole JeeHeke eefMe#eCe veerefle nw.
Fmecesb eefMe#eCe ieefleefJeefOeeesb kee Het=je #es$e keJej neslee nw efpemecesb
53
2013-14
ke) megJeJeefmLele eefeee kee efveOee&jCe, Ke) mecHet=Ce& eefMe#eCe {ebee, ie)
#ecelee efvecee&Ce, Ie) eefMe#eCe eYeeJe kee Deekeueve leLee, [) ceOemLelee
Heefle Meeefceue nw.
Devegmet=efele peeefle/ pevepeeefle/ Deve efHe[s Jeiees kes efJekeeme Hej efJeMes<e
yeue
yeQke meceepe kes Smemeer/ Smeer SJeb Deve efHe[s Jeiees mes peg[s Jeefkeleeesb
kes efJekeeme SJeb keueeCe mebyebOeer mebJewOeeefveke GHeyebOeesb SJeb meeceeefpeke
GsMe kes eefle eefleye nw. Heoesvveefle eefeeeDeesb kes efueS Gvnsb leweej
kejves kes efueS efJeeere Je<e&-14 kes oewjeve ueieYeie 49 keee&ece Deeeesefpele
efkeS ieS efpevecesb 1,221 Smemeer leLee 573 Smeer kece&eeefjeesb ves Yeeie
efueee. Fmeer lejn efJeeere Je<e&-14 kes oewjeve efJeefYevve yeQeEkeie #es$eesb cesb
9,602 Smemeer, 3,795 Smeer leLee 10,292 Deesyeermeer kece&eeefjeesb kees
eefMe#eCe efoee ieee.
eenkeesb kes efueS eefMe#eCe: kemt=cej keveske DeefYeeeve
eenke efMe#ee kes He cesb, eefMe#eCe eCeeueer eje eenkeesb kees ves yeQeEkeie leLee
ceesyeeFue yeQeEkeie mesJeeDeesb kes eeesie kee eefMe#eCe osves kes efueS HejJejer-ceee&
2014 kes oewjeve Ske DeefYeeeve eueeee ieee. efpemecesb efJeefYevve kesvesb Hej
15,342 mes DeefOeke eenkeesb kees eefMeef#ele efkeee ieee leLee Fme keee& kees Het=js
keuewb[j Je<e& cesb eeuet= jKee peeSiee.
#ecelee efvecee&Ce mebyebOeer Henuesb
DeHeves kece&eeefjeesb keer vee@uespe HeeJej ye{eves kes efueS, DeeHekes yeQke cesb meHe kees
esef[, Hee@jskeme, eeLeefcekelee eeHle #es$e, efjsue yeQeEkeie, meeryeerSme, efJeeere
meceeJesMeve, peesefKece eyebOeve Fleeefo pewmes cenlJeHet=Ce& yeQeEkeie #es$eesb cesb JeeHeke
eefMe#eCe osves Hej Oeeve efoee pee jne nw. Fmekes Deefleefjkele DeeHekee yeQke
Deebleefjke mebmeeOeveesb kes eeesie mes leLee eefleefle yeenjer Sspesbefmeeesb kes meeLe
eF&-DeHe kejkes Yeleer& efkeS ieS veS DeefOekeeefjeesb Deewj efueefHekeesb kes efueS Dee@ve
yeeseE[&ie eeseece veeceke JeeHeke eefMe#eCe keee&ece Deeesefpele kejlee nw. Yeejle
leLee efJeosMeesb cesb efJeefYevve efyepevesme mket=ueesb cesb DeefOekeeefjeesb SJeb keee&Heeuekeesb kes
yeenjer eefMe#eCe kes Deefleefjkele yeQke eje efJeeere Je<e&-14 kes oewjeve 49,044
eefleYeeefieeesb kees keJej kejles ngS 2,337 mes DeefOeke Fve-neGme eefMe#eCe
keee&ece Deeeesefpele efkeS ieS.
yeee eefMe#eCe
efJeeere Je<e&-14 kes oewjeve efJeefYevve yeee eefMe#eCe keee&eceesb kes efueS ueieYeie
988 meHe meomeesb kees veeceebefkele efkeee ieee. DeeHekee yeQke yeee eefMe#eCe
kees #ecelee efvecee&Ce kee DeefYevve Yeeie ceevelee nw, Fve keee&eceesb cesb Geesie cesb
efJeeceeve Glke= keee& eCeeueer kees meerKeves leLee Gmes DeHeveeves kes efueS meYeer
mlej kes kece&eejer Yeeie uesles nw.
efJeeere Je<e& 14 kes oewjeve Deeeesefpele efkeS ieS keg cenlJeHet=Ce& SJeb meceefHe&le
keee&ece Fme ekeej nQ:
DeeF&Smeyeer, nwojeyeeo cesb efo. 13 mes 18 ceF&, 2013 leke DeeHekes yeQke kes
ceneeyebOekeesb SJeb GHe ceneeyebOekeesb kes efueS meJees&e eyebOeve keee&ece.
vees Heoesvvele meneeke ceneeyebOekeesb leLee cegKe eyebOekeesb kes oes yeweesb kes
efueS Deblejjeêre eyebOeve mebmLeeve (DeeF&SceDeeF&), veF& efouueer cesb 13
mes 17 ceF&, 2013 leLee 20 mes 24 ceF&, 2013 leke meJees&e eyebOeve
keee&ece.
54
yeQke kes vees Heoesvvele meneeke ceneeyebOekeesb kes efueS mebie"ve efJekeeme kesv,
nwojeyeeo cesb 7 mes 12 Dekelet=yej, 2013 leke vesle=lJe efJekeeme keee&ece.
efêfveef Dekeeoceer, cegbyeF& kes meneesie mes ^spejer DeefOekeeefjeesb kes efueS
26 Deiemle mes 05 efmelecyej 2013 leke Fberesef[ ^spejer yee@me& eeseece
eeefvele DeefOekeeefjeesb kes efueS Dekelet=yej-efomecyej 2013 kes oewjeve

mebes<eCe SJeb FveHeuet=Ssbme` leLee efheheue [sJeueHecesb SJeb erce Heeskeme` Hej
wuesb cewvespecewb ^weEveie.
cegbyeF& efJeMJeefJeeeuee cesb 5 mes 7 efomecyej 2013 leke jwmeveue FceesefJe

efyensefJeej LesjsHeer (DeejF&yeerer) Hej keee&Heeueke efJekeeme keee&ece.
yeQeEkeie ceefCeHeeue Dekeeoceer, yesbieuet=j cesb 2 mes 7 efomecyej 2013 leke

DeeHekes yeQke kes ke=ef<e DeefOekeeefjeesb kes efueS efJeMes<e keee&ece.
SveDeeF&DeeF&er-DeeF&SHeyeerDeeF& kes meeLe eF&-DeHe mes ueieYeie 3,000 veS

efueefHekeesb kees eefMe#eCe efoee ieee. Fmeer lejn pet=ve 2013 kes yeeo HeoYeej
enCe kejves Jeeues meYeer efueefHekeesb kees keJej efkeee ieee. DeeF&SHeyeerDeeF&
eje Glke<e& veeceke jeresMej keesme& kes Debleie&le 800 mes DeefOeke ceewpet=oe
efueefHekeesb kees eefMeef#ele efkeee ieee.
veF& efouueer cesb efo. 18 SJeb 19 Dekelet=yej 2013 kees DevegMeemeefveke

eeefOekeeefjeesb kes efueS meleke&lee eMeemeve cesb mekeejelceke o=efkeesCe Hej
Ske keee&ece Deeeesefpele efkeee ieee.
cew. HeesLe& keJee[jsb ^seEveie ee. efue. eje efo. 16 mes 21 efomecyej 2013
leke Hewkeuer [sJeueHecesb keee&ece kee Deeeespeve efkeee ieee.
efyepevesme eesmesme efj-FbpeerefveeeEjie (eespeske veJeefvecee&Ce)

et=befke DeeHekes yeQke ves DeHeveer ye>wb[ Heneeve yeoueer nw Deewj Fmekeer ye>wb[
efjkee@ue Jewuet= cesb DeeMee&peveke Je=ef ngF& nw efpememes meYeer efnleOeejkeesb
keer DeHes#eeDeesb Yeer ye{ ieF& nQ. DeeHekes yeQke kes eeej Jeekee - Yeejle kee
Debleje&êre yeQke - ves DeHes#eeDeesb kees Deewj DeefOeke mego={ efkeee nw leLee
Fmekee efceMeve Devleje&êre ceevekeesb kee jeêre yeQke yevevee nes ieee nw.
leLeeefHe, DeeHekes yeQke ves DeHeves GlHeeoesb Deewj eefeeeDeesb kees Hegvemejefele kej
leLee Fvnsb meJees&lke= He mes leweej kej Fve DeHes#eeDeesb kees Yeueer Yeebefle
Het=je efkeee nw .
Jemlegle: eefeee cesb HeefjJele&ve keer MegDeele 2007 cesb efjsue ueesve Hewefkeêeb
mLeeefHele kejves mes ngF&. HeefjCeecemJeHe, DeeHekes yeQke ves pet=ve 2009 cesb Ske
JeeHeke HeefjJele&ve keee&ece DeejbYe efkeee efpemecesb yewke kees eespeske veJeefvecee&Ce
veece kes Debleie&le YeefJe<e kes efueS Hegvemejefele kejvee Lee.
Fme eespeske cesb eefeeeDeesb kes mejueerkejCe, MeeKee GlHeeokelee cesb megOeej
leLee eenkeesb kees meJees&lke= mesJee eoeve kejves kes GsMe mes DeeHekes yeQke keer
eefeeeDeesb, mebjeveeDees leLee Heefleeesb kes meYeer HenuegDeesb kees Meeefceue efkeee
ieee nw.
HeefjJele&ve keee&ece meHeue jne, Deewj en Henue DeeHekes yeQke kees yengle mes
DeJee[& Deewj Hegjmkeej efoueeves cesb cenlJeHet=Ce& keejke jner Deewj Fmemes en mener
DeLees& cesb Yeejle kee Debleje&êre yeQke mLeeefHele nes mekee.
efJeeere Je<e& 14 kes oewjeve eespeske veJeefvecee&Ce kes Debleie&le ecegKe GHeueefyOeeesb
kee efJeJejCe efvecveevegmeej nw.
ye[ewoe veskem MeeKeeSb: efJeeere Je<e& 14 keer meceeefHle leke ueieYeie 1,433
cesês SJeb Menjer MeeKeeDeesb kees ye[ewoe veskem MeeKeeDeesb kes He cesb Heebleefjle
efkeee ieee nw.

MeeKee eb-Sb[ Dee@escesMeve: keet= cewvespecesb efmemce (keet=SceSme), eske
ef[Heesefpe ceMeerve leLee Jeweefkeleke Heeme yegke eEej eceMe: 9,840 leLee
1,200 MeeKeeDeesb cesb mLeeefHele efkeS ieS nQ.
2013-14
ceekes&eEie
efmeer yewke DeeefHeme (meeryeerDees): meYeer MeeKeeDeesb (meeryeerDees mes eEueke[)

kes efueS meceeMeesOeve Heefjeeueveesb kees kesverke=le efkeee ieee. Jele&ceeve cesb
Het=js osMe cesb 85 meeryeerDees keee& kej jns nQ.
jerpeveue yewke DeeefHeme (DeejyeerDees): Je<e& kes oewjeve yejsueer leLee
Denceoeyeeo cesb oes DeejyeerDeesb Keesues ieS efpememes Fvekeer kegue mebKee
ye{kej 12 nes ieF&. kegue efceueekej 3,653 MeeKeeDeesb kees yeele leLee
eeuet= Keelee Keesueves kes efueS eEueke efkeee ieee leLee 4,263 MeeKeeDeesb
kees Heermeeryeer (Jeweefkeleke eske yegke) peejer kejves kes efueS eEueke efkeee
ieee.
esef[ mesbûeeFpesMeve Heeeue (DeejSueSHe / SmeSceF&SueSHe) efJeeere Je<e& 14 cesb eejbYe efkeee ieee DeeHekes yeQke kee efjsue Deewj SmeSceF&
$e+Ce kesverekejCe Heeeue ye[ewoe efmLele ueesve Hewefkeêesb cesb eue jne
nw.
veJeefvecee&Ce Henueesb / eYeeJe keer efvejblejlee: eefeee DevegHeeueve Deeef[

(HeermeerS) - ye[ewoe veskem MeeKeeDeesb kes efueS Ske eceeCeve eefeee kees
eejbYe efkeee ieee efpemekes eje DeeHekes yeQke kes efvejer#eCe DeefOekeeefjeesb
eje MeeKeeDeesb cesb eefeee DevegHeeueve/ Heeueve kee cet=ueebkeve efkeee pee
jne nw. HeermeerS kes Debleie&le DeYeer leke 907 MeeKeeDeesb kees keJej efkeee
pee egkee nw .
eefMe#ekeesb kees eefMe#eCe keee&ece: meYeer Debeueesb cesb ye[ewoe veskem

MeeKeeDeesb kes MeeKee ecegKeesb, efyeeer ecegKeesb, mebHeke& eyebOekeesb, eenke
mesJeeDeesb leLee MeeKee Heefjeejkeesb kes efueS 29 mes 30 pet=ve 2013 leke
meHe keeuespe Denceoeyeeo cesb Ske oes efoJemeere keee&ece kee Deeeespeve
efkeee ieee.
esbpe ueer[j -men- Deejyeer[erSce meccesueve : meHe keeuespe, Denceoeyeeo

cesb 12-13 Deiemle, 2013 kees oes efoJemeere meccesueve kee Deeeespeve efkeee
ieee.
kee@veske mesbj : DeeHekes yeQke kes ueKeveT leLee Denceoeyeeo cesb oes
kee@veske mesbj nQ. ceewpet=oe mesJeeDeesb kes Deefleefjkele, Je<e& kes oewjeve
ceesyeeFue yeQeEkeie meneelee mesJee kees Yeer Meeefceue efkeee ieee. yesnlej
eenke megefJeOee kes efueS mesJee kes mecee kees Yeer eele: 6 yepes mes jele 10
yepes (Henues eele: 8 yepes mes jele 8 yepes leke) leke ye{e efoee ieee nw.
F&-uee@yeer : DeeHekes yeQke ves Deueie-Deueie Debeueesb cesb 45 mJeleb$e

F&-uee@yeer DeejbYe keer nQ. Fmecesb efvecveefueefKele 6 mesJeeSb oer peeleer nQ kewMe ef[mHesbmej(SerSce), yebe vees SkemesHj (yeerSveS), mesuHe meefJe&me
Deeescesefke Heemeyegke eEej efkeDeesmke, eske ef[Heesefpe ceMeerve (meer[erSce),
Fbjves yeQeEkeie efkeDeesmke leLee Heesve yeQeEkeie megefJeOee.
veJeesvces<e meefceefle: mebie"ve cesb veJeesvces<e kes ceenesue kees ye{eJee osves kes
GsMe mes DeeHekes yeQke ves efvecveefueefKele eeespeveesb nsleg ceee& 2014 cesb Ske
veJeesvces<e meefceefle kee ie"ve efkeee - veS GlHeeo leLee mesJeeSb efJekeefmele
kejvee, Deebleefjke eefeeeDeesb cesb veJeesvcesef<elee efpememes yeQke leLee eenkeesb
kee cet=ue mebJeOe&ve nes mekes, mesJeeSb eoeve kejves cesb veJeesvcesef<elee efpememes
eenkeesb kees meblees<e nes mekes.
Denceoeyeeo ceW Deeeesefpele DeefKeue Yeejleere ceekexefbie meccesueve kes oewjeve eer Sme.
Sme. cetbo[e, meerSce[er leLee Deve Meer<e&mLe keee&heeuekeeW eje ceekexefbie F&-vetpe uesj
yee@ye ceejkeesce kee efJeceeseve
DeeHekes yeQke ves efJeeere Je<e& 2014 kes oewjeve DeHeveer efJeefYevve ceekes&eEie Henueesb
eje DeHeves yeeb[ leLee efJeefYevve GlHeeoesb Je mesJeeDeesb kee ueieeleej mebJe&ve efkeee.
Fme eefeee cesb, DeeHekes yeQke ves Debeue leLee #es$eere mlej Hej MeeKeeDeesb eje
efkees peevesJeeues keeees cesb DeeOeejYet=le ieefleefJeefOeeesb kees eesieoeve osves kes DeueeJee
efJeefYevve ceeref[ee meeOeveesb, pewmes eEe, Fueskeêefveke leLee DeesDeesSe kee eYeeJeer
Fmlesceeue efkeee ieee. efJeeere Je<e& 2014 kes oewjeve keer ieF& ecegKe ceekes&eEie
/kecet=efvekesMeve ieefleefJeefOeeesb kee efJeJejCe veeres efoee ieee nw.
DeeHekes yeQke ves efJee Je<e& 13 cesb keer ieF& Henue DeLee&le yeeb[ mebueivelee keee&ece
keer meHeuelee kees Oeeve cesb jKeles ngS peveJejer, 2014 kes oewjeve yeQke
Dee@He ye[ewoe kewveJeeme eefleeesefielee kee Deieuee mebmkejCe DeejbYe efkeee leeefke
mket=ueer yeeesb Deewj Gvekees esefjle kejves Jeeues DeefYeYeeJekeesb/DeOeeHekeesb kes meeLe
oerIe&keeefueke mebyebOe yeveeee pee mekes. Fme Je<e& Yeer cegKe Oeeve ceewpet=oe SJeb
veF& Mewef#eefCeke mebmLeeDeesb kes meeLe oerIe&keeefueke mebyebOe mLeeefHele kejves Hej Lee.
Fme He cesb eefleeesefielee cesb Henues mes efveOee&efjle efJe<eeesb Hej Het=js osMe kes mket=ue
kes efJeeeefLe&eesb mes eefJeefeeb Deecebef$ele keer ieF& leLee eeefvele efveCee&ekeesb kes
Hewveue eje jeêre/Debeue/#es$eere mlej keer efJepeslee eefJeefeesb kee eeve efkeee
ieee. DeeHekes yeQke kes cewmkee@ efmkecewve kees ueef#ele oMe&keesb kes meeLe pees[ves
SJeb yeeb[ mebyebOe kees ye{eJee osves cesb keeHeer meneelee efceueer keeesbefke eefleYeeefieeesb
mes efmkecewve kee veece ceebiee ieee Lee. Fme DeefYeeeve kes Debleie&le Debeue Deewj
#es$eere mlej Hej Dee@ve eeGb[ ieefleefJeefOeeesb kes eLeesefele efcekeme kee GHeeesie
efkeee ieee leeefke DeefOeke mes DeefOeke eefJeefeesb kees eefleeesefielee kes Debleie&le
Meeefceue efkeee pee mekes.
keeheexjs mesvj cegbyeF& ceW DeefKeue Yeejleere ye[ewoe kewveJeeme eefleeesefielee 2013-14
kes jeêre mlej kes efJepesleeDeeW kes Deefvlece eeve kes oewjeve eer Sme. Sme. cetbo[e,
meerSce[er kes meeLe keee&heeueke efveosMeke ieCe SJeb Deve Jeefj DeefOekeejer
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2013-14
GHejeskele Henueesb kes DeueeJee DeeHekes yeQke eje efJeefYevve Yeewieewefueke #es$eesb
cesb efJe%eeHeveesb kes ceeOece mes ueef#ele eenkeesb kes yeere DeHeves GlHeeoesb Deewj
mesJeeDeesb kes mebJeOe&ve kes efueS efJeefYevve GlHeeo mebJeOe&ve DeefYeeeve eueeS ieS.
efJeefYevve GlHeeoesb leLee mesJeeDeesb, efJeMes<e He mes yeele peceejeefMeeesb, eeuet=
peceejeefMeeesb, ie=n $e+Ce, keej $e+Ce, SmeSceF& $e+Ce kes He cesb met=evee osves
kes DeueeJee veS GlHeeoesb GHeYeeskelee Jemleg $e+Ceesb, JewkeefuHeke ef[ueerJejer ewveueesb
kees Deeeeceke {bie mes Deeies ye{eee ieee. Hegve: efJeMes<e eenke mesiecesb kees
[e@keme& SJeb SveDeejDeeF& Fleeefo kes efueS efJeMes<e DeefYeeeve kes ceeOece mes
efJeefYevve ceeref[ee ceeOece kes Fmlesceeue eje DeefKeue Yeejleere DeeOeej Hej
ueef#ele efkeee ieee. mLeeveere leLee efJeosMeer oesveesb ner MeeKee vesJeke& kes
efJemleej mes mebyebefOele peevekeejer kees ye[s mlej Hej eEe ceeref[ee kes ceeOece
mes eeeefjle efkeee ieee efpememes DeeHekes yeQke keer yeeb[ efJe leLee GHeefmLeefle
kees ye{eJee efceuee nw.
yeQke ves efJeefYevve keee&eceesb pewmes - eJeemeer Yeejleere efoJeme 2014, efHekekeer
- DeeF&yeerS yeQeEkeie kebeWme 2013 Jeu[& jweEkeie mvet=kej t=vee&cesb Fbef[ee
uesie, Yeejle Deem^sefueee efekes e=bKeuee 2013, eEce Jeeef<e&ke yeQeEkeie
meccesueve, yeerkesmeer efJeeere mebmLeeve kece&eejer cewjeLeve leLe mwb[[& ee&[&
cegbyeF& cewjeLeve 2014 cesb menYeeefielee kejkes eenkeesb kes meeLe mebHeke& Deewj
yeeb[ mebJe&ve efkeee.
efJeeere Je<e& 2014 kes oewjeve DeeHekes yeQke keer ieefleefJeefOeeesb kees ceeref[ee
cesb efJemle=le keJejspe efceuee efpememes yeQke kees DeHeveer yeeb[ Fcespe megOeejves cesb
meneelee efceueer nw.
yeQke Dee@He ye[ewoe kees Hegjmkeej Je Geesie peiele cesb ceevelee
cegbyeF& cesb Deehekes yeQke kees efvecveefueefKele Hegjmkeej eoeve efkeS ieS.
ke) ie #es$e cesb eLece
Ke) Ke #es$e cesb efleere
ie) efnvoer ie=n Heef$ekee eefleeesefielee cesb De#eeced kees le=leere Hegjmkeej
Ie) efYeeef<eke ie=n Heef$ekee eefleeesefielee cesb yee@yecew$eer kees le=leere Hegjmkeej
o vet= Fbef[eve Skemeesme et=He eje mebmLeeefHele o meb[s mwb[[& yesm yeQkeme&
DeJee[& yesm yeQkej Se Deej DeJee[& efJeeere Je<e& 14 kes efueS DeeHekes yeQke
kes DeOe#e SJeb eyebOe efveosMeke eer Sme.Sme.cet=bo[e kees eoeve efkeee ieee.
DeeHekes yeQke kees Fbefoje ieebOeer jepeYee<ee Hegjmkeej Meeru[ eefleeesefielee cesb
14.09.2013 kees veF& efouueer cesb eLece Hegjmkeej eeHle ngDee.
Smeesewce kes 9JeW Jeeef<e&ke yeQeEkeie meccesueve men-meesMeue yeQeEkeie Glke=lee

DeJee[& 2013 cesb 16.09.2013 kees veF& efouueer cesb DeeHekee yeQke meeceeefpeke
yeQeEkeie cesb es keee& kes efueS efJepeslee Ieesef<ele efkeee ieee.
o SefMeeve yeQkej kes efmelebyej 2013 kes 122JeW efJeMes<e Debke cesb DeeHekes
yeQke ves o SefMeeve yeQkej #es$e keer ye=no yeQke esCeer cesb DeHeveer jweEkeie kee
66JeW mes megOeej kej 52JeW mLeeve Hej ueeee.
DeeHekes yeQke kees SmeesefMeSMeve Dee@He efyepevesme kecet=efvekesme& Dee@He Fbef[ee

(SyeermeerDeeF&) kes nesue leepe, keesueeyee, cegbyeF& cesb 18.08.2013 kees
Deeeesefpele 53JeW Hegjmkeej meceejesn cesb efvecveefueefKele Hegjmkeej eeHle ngS:
ke) efJeMes<e kee@uece (Debespeer) - yee@yecew$eer kes efueS keebme ê@Heer
DeHeves melele SJeb engbcegKeer keee& efve<Heeove, Glke=lee eyebOeve kes ceeOece mes
osMe keer DeLe&JeJemLee cesb eesieoeve kejves kes efueS DeeHekes yeQke ves Je<e& kes oewjeve
efJeefYevve JeJemeeefeke ceevekeesb Hej Keeefle eeHle ceeref[ee neGme Deewj Deve
mebmLeeDeesb mes Yeer efJeefYevve Hegjmkeej eeHle efkeS nw.
efJeeere Je<e& 2014 kes oewjeve DeeHekes yeQke eje eeHle keg ecegKe Hegjmkeej
Fme ekeej nQ:
l
DeeHekes yeQke kes DeOe#e SJeb eyebOe efveosMeke eer Sme.Sme. cet=bo[e kees
Fkeesvee@efcekeme eFcme cesb efoveebke 12.07.2013 kees ekeeefMele meer[erF&er (kee@jsHeesjs [esefpeej Fkeesvee@efceke eFcme) cesb Yeejle kes meJee&efOeke
MeefkeleMeeueer meerF&Dees cesb 41 Jeeb mLeeve efceuee. meJes&#eCe kes Devegmeej
meeJe&peefveke #es$e kes yeQkeesb kes meerF&Dees cesb Gvekee mLeeve leermeje jne.
DeeHekee yeQke yeeb[ FefkeJeer Fkeesvee@efceke eFcme meJes&#eCe kes Devegmeej

Yeejle kes es 20 yeeb[esb cesb Meeefceue ngDee. en Fkeesvee@efceke eFcme cesb
31 pegueeF& 2013 kees ekeeefMele ngDee nw.
DeeHekes yeQke kees DeeF&[erDeejyeerer yeQeEkeie skevee@uee@peer Skemeeruesbme DeJee[&

2012-13 cesb meeJe&peefveke #es$e kes yewkeesb keer es DeeF&.er. erce kee
efJeMes<e Hegjmkeej eeHle ngDee.
Ke) efJeMes<e kee@uece (Yee<ee) - De#eced DeHeveer yeele kes efueS efmeuJej êH@ eer
ie) ns[ueeFbme - kee@Hees&js S[ (mebHe efeSefJe) kes efueS keebme ê@Heer
efyepevesme Jeu[& Debke efoveebke 04.11.2013 cesb ekeeefMele o yeer [yuet=
efjeue 500 - Fbef[ee 50 efyeiesm Heeevesbefmeeue kebHeveerpe cesb DeeHekes
yeQke keer jweEkeie leermejer jner.
efyepevesme t=[s 10 veJebyej, 2013 Debke cesb ekeeefMele Yeejle keer meJee&efOeke
cet=ueJeeve kebHeefveeesb yeerer 500 cesb DeeHekes yeQke keer jweEkeie 50JeeR jner.
yeer[yuet= Heer [yuet=meer meJes& eje Yeejle kes es yeQkeesb kes efkeS ieS meJes&#eCe
cesb DeeHekes yeQke kees Heemsm eeseEJeie ueepe& yeQke cesb le=leere leLee yesm yeQke
Fve ueepe& yeQke esCeer cesb eewLeer jweEkeie eeHle ngF&. en meJes& efyepevesme Jeu[&
kes 30 efomecyej 2013 kes Debke cesb ekeeefMele ngDee Lee.
DeeHekes yeQke kees [ve SC[ yew[mêr Heesueeefjpe HeeeveseEmeeue skevee@ueepeer

yeQeEkeie DeJee[& 2012-13 cesb JewefMJeke JeJemeee efJekeeme esCeer kes lenle
es meeJe&peefveke #es$e kes yeQke kes He cesb ceevelee oer ieF&.
efj]peJe& yeQke jepeYee<ee Meeru[ eefleeesefielee kes Debleie&le 28.08.2013 kees
56
yeeb[ FefkeJeer FMet= efoveebke 18.12.2013 cesb ekeeefMele yeeb[ FefkeJeer

e@He meefJe&me yeeb[ cesb DeeHekes yeQke keer jweEkeie 22JeeR jner. Fme ekeej
DeeHekes yeQke ves efHeues Je<e& keer jweEkeie kees yejkejej jKee.
DeeHekes yeQke ves Hee@et=&ve Fbef[ee cewiepeerve efomeyebj 2013 efJeMes<eebke cesb
Hee@et=&ve Fbef[ee 500 met=eer cesb 28Jeeb mLeeve eeHle efkeee.
DeeHekes yeQke kees escyej Dee@He Fbef[eve ceeFees mcee@ue SC[ ceeref[ece
FbjeeFpespe eje 09.01.2014 kees veF& efouueer cesb SceSmeSceF& yeweEkeie
Skemeeruesbme DeJee[& 2013 cesb es yeQke kee Hegjmkeej eeHle ngDee.

DeeHekee yeQke Yeejle keer 500 ye[er kebHeefveeesb cesb 27JeW mLeeve Hej jne 2013 cesb met=eerye Meer<e& 500 kebHeveer peveJejer 2014 cesb peejer F&er 500
Heef$ekee cesb ekeeefMele keer ieF& nQ.
2013-14
cee[ve& iewpesdme SJeb efmemce kes meeLe megmeefppele nw. Fmekes efvecee&Ce cesb
Heee&JejCe Devegket=ue meeceeer kee eeesie efkeee ieee nw. Fme YeJeve kes eje
JeejeCemeer cesb DeeHekes yeQke keer GHeefmLeefle meYeer kes efueS DevegkejCeere nw.
Jele&ceeve cesb en Menj kes Ske cenlJeHet=Ce& YeJeve kes He cesb peevee peelee
nw.
DeeHekes yeQke kees SyeerHeer vet=pe eje 14.02.2014 kees cegbyeF& cesb yeQeEkeie,
efJeeere mesJeeSb SJeb FbMeesjsbme DeJee[& cesb yesm yeQke - Heefyueke meskej kee
DeJee[& efoee ieee.
DeeHekes yeQke kees ceeF& SHeSce meme& Dee@He efo Fb[mêr DeJee[& eje
14.02.2014 kees cegbyeF& cesb Skemeeruesbme Fve yeQeEkeie (HeerSmeet=) kes efueS
DeJee[& efoee ieee.
DeeHekes yeQke kees ceeF& SHeSce meme& Dee@He efo Fb[mêr DeJee[& eje
14.02.2014 kees cegbyeF& cesb Skemeeruesbme Fve nesce ueesve yeQeEkeie kes efueS
DeJee[& efoee ieee.
DeeHekes yeQke kees 18/02/2014 kees cegbyeF& cesb Jeu[& meerSmeDeej keebesme mes
Yeejle kes 50 meyemes eefleYeeJeeve meerSmeDeej eesHesMeveueesb keer esCeer cesb
iueesyeue Skemeeruesbme SJeb ueer[jefMeHe DeJee[&` eeHle ngDee.
DeeHekee yeQke HeeFvesbefMeeue Skemeesme Heef$ekee kes HejJejer 2014 kes Debke
cesb ekeefMele SHeF& 500 met=eer cesb kegue jepemJe cesb 53JeW mLeeve Hej leLee
yeepeej Het=bpeerkejCe cesb 45JeW mLeeve Hej jne.
[e@. kes. meer. eeJeleea, Ghe ieJeve&j, Yee.efj.yeQ., eer Sme. Sme. cetbo[e, meerSce[er - #es$eere
keeee&uee JeejeCemeer kes veS heefjmej ye[ewoe YeJeve kes MegYeejbYe kes DeJemej hej
DeeHekee yeQke efo HeeFvesbefMeeue Skemeesme Heef$ekee kes ceee& 2014 kes Debke
cesb ekeefMele SHeF&-F&Jeee yesm yeQke meJes& 2012-13 cesb Heefyueke meskej
yeQke kewsiejer cesb eLece mLeeve Hej jne.
jepeYee<ee efJeYeeie, ie=n ceb$eeuee,Yeejle mejkeej eje eb[erie{ cesb

Deeeesefpele meceejesn cesb DeeHekes yeQke kes Het=Jeer& Gej eosMe Debeue, ueKeveT
kees Je<e& 2012-13 kes efueS yeQke cesb jepeYee<ee (efnvoer) kes meHeue
keeee&vJeeve nsleg eLece Hegjmkeej eoeve efkeee ieee.
efJee ceb$eeuee kes efoMee-efveos&Meesb kes Devegmeej DeeHekee yeQke DeHeves

meYeer Debeue leLee #es$eere keeee&ueeesb kes meeLe keeHees&js keeee&uee mes
SceHeerSueSme kevesefkeefJeer DeeOeeefjle DeleeOegefveke Jeeref[eesb keebeWefmebie
(Jeermeer) efmemce kes eje eEueke[ nw. Jeeref[eesb keeveWme kes ceeOece mes
keee&ecegKeesb kee efJeeej efJeefvecee efveCe&e uesves keer eefeee kees Deewj
DeefOeke eYeeJeMeeueer, leere Deewj Kee&-efkeHeeeleer yeveelee nw.
efJeeere Je<e& 2014 kes oewjeve DeeHekes yeQke ves F&-sb[eEjie, F&-eeskeeesjcesb
Deeefo kes He cesb lekeveerke DeeOeeefjle Henueesb kees DeHeveeee leLee Fmes
ejCeye lejerkes mes ueeiet= efkeee ieee.
DeeHekee yeQke Jesb[jesb kees efkeS peeves Jeeues meYeer Yegieleeve DeejerpeerSme/
SveF&SHeer kes ceeOece mes kejlee nw.
Heefjmej efj-FbpeerefveeeEjie Deewj Deeke<e&ke HeefjJesMe

efJeeere Je<e& 2014 kes oewjeve Heefjmej efj-FbpeerefveeeEjie Deewj Deeke<e&ke
HeefjJesMe kes #es$e cesb DeeHekes yeQke eje Deefpe&le cenlJeHet=Ce& GHeueefyOeeesb kee
efJeJejCe efvecveevegmeej nw.
eMeemeefveke keeee&ueeesb nsleg mJeeb kes Heefjmej nsleg yeveeF& ieF& DeeHekes
yeQke keer veerefle kes DevegHe yeQke ves yesbieuet=j (kevee&ke), nwojeyeeo
(DeevOe eosMe), Hewpeeyeeo (Gej eosMe), Fboewj (ce.e), GoeHegj
(jepemLeeve), osnjeot=ve (GejeKeb[), peeHegj (jepemLeeve) leLee vet=
jeeHegj (eermeie{), yejsueer (et=.Heer) leLee Svee&keguece (kesjue) cesb
JeeefCepe/ efjneeMeer YeJeveesb kes efvecee&Ce kes efueS Yet=efce Kejeroer nw.
ye[ewoe keeheexjs meWj cegbyeF& ceW esme ce kes GodIeeve kes DeJemej hej eer Sme. Sme.
cetbo[e, meerSce[er SJeb Deve GeeefOekeejer
JeejeCemeer cesb keeee&uee YeJeve men kejsbmeer esm kee efvecee&Ce keee& Het=je
efkeee. en YeJeve Tpee& me#ece GHemkejesb, Je<ee&-peuemeben leb$e, Deuê
yeerkesmeer, cegbyeF& ceW kesvereke=le SveDeejDeeF& mesJeeDeeW kes efueS veS keeee&uee kes GodIeeve
kes DeJemej hej eer Sme. Sme. cetbo[e, meerSce[er leLee Deve GeeefOekeejer
57
2013-14
ye{les ngS efkejees kees osKeles ngS DeeHekes yeQke eje GheueyOe Heefjmej kes
eleske mLeeve kee Het=je GHeeesie megefveefMele efkeee pee jne nw. veJeerveerkejCe
kes oewjeve ues-DeeG kees Gvvele efkeee pee jne nw Deewj meYeer MeeKeeDeesb
SJeb keeee&ueeesb keer Heefve&eEMeie kees Heee&JejCe Devegket=ue SJeb eceo#e He
cesb ef[peeFve efkeS ieS Heveer&ej DeeFce kes ceeOece mes efkeee pee jne
nw. Heefjmejesb kes DeefOeenCe nsleg #es$e efveeceesb keer meceer#ee Yeer keer ieF& nw
leLee Gmes ueeiet= efkeee ieee nw.
ueKeveT ceW peesheefuebie jes[ MeeKee kes MegYeejbYe kes DeJemej hej eer Sme. Sme. cetbo[e,
meerSce[er
Het=js Yeejle cesb eCeeefueeesb SJeb Heefleeesb cesb SkeHelee ueeves kes efueS Heefjmej
veerefle efveos&Me, efvecee&Ce cewvegDeue, veJeerveerkejCe cewvegDeue ef[peeFve SJeb
efveOee&efjle efkeS ieS. Heveer&ej keer ceoesb kes ef[peeFve cesb SkeHelee jKeves
leeefke Jes Deeke<e&ke efoKeeF& osb Deewj Deebleefjke HeefjJesMe megvoj ueies, Fmekes
efueS Spesbefmeeeb Yeer efveOee&efjle keer ieF& nQ pees Heveer&ej keer lJeefjle eeefHle
cesb ceoo kejleer nQ.
efJeeere Je<e& 2014 cesb keeee&efvJele keer ieF& HeefjeespeveeSb

l JeejeCemeer cesb keeee&uee YeJeve men kejsbmeer esm kee efvecee&Ce keee&.
pevekeHegjer, veF& efouueer cesb DeeJeemeere keecHeueskeme kee efvecee&Ce keee&.
peeHegj cesb yengcebefpeuee Skeerke=le keeee&uee kee efvecee&Ce keee&.
Depecesj, [t=biejHegj, yeebmeJee[e leLee eleeHeie{ cesb yeerSmeJeerSme kee efvecee&Ce

keee&.
osMe cesb 45 efJeefYevve mLeeveesb Hej F&-uee@yeer keer mLeeHevee.
DeeHekes yeQke ves veS mLeeveebleefjle DeeefOekeeefjeesb kes efueS efJeefYevve mLeeveesb
Hej DeeJeemeere Heuewesb keer Kejero keer nw.
yeQke Dee@He ye[ewoe met=evee eeweesefiekeer mebmLeeve, ieebOeerveiej (iegpejele) kee

veJeerkejCe.
l hewpeeyeeo ceW #es$eere keeee&uee YeJeve kee efvecee&Ce.
l vesn FvkeuesJe, ueKeveT DeeJeemeere YeJeve SJeb heuew kee veJeerkejCe.
l
mebHeoe eyebOeve mebyebOeer YeeJeer eespeveeSb

l yeQke kes mebmeo ceeie&, veF& efouueer efmLele YeJeve kee meewvoe&kejCe.
l Yeeb[gHe meHe keJee&me& YeJeve kee peerCees&ej Meg kejvee Deewj cegbyeF& cesb
mLeeveebleefjle DeefOekeeefjeesb/keee&Heeuekeesb kes efueS 138 DeeJeemeere Heuewesb
kee efvecee&Ce kejvee.
l DeeJeemeere Deewj JeeJemeeefeke YeJeve kes efvecee&Ce nsleg peesiesMJejer meHe
kee@uespe kee peerCees&ej Meg kejvee.
l yesbieuet=j cesb eefMe#eCe kesb kee efvecee&Ce Meg kejvee.
l Yeejle mejkeej kes efoMeeefveos&Meesb kes DevegHe osMeYej cesb Hewues efJeefYevve
kesbesb Hej ye[ewoe mJejespeieej efJekeeme mebmLeeveesb kee efvecee&Ce kejvee.
l ieebOeer veiej (Denceoeyeeo), yesbieuet=j, esj veesS[e SJeb YegJevesMJej cesb ye[ewoe
Dekeeoceer (DeLee&le, eefMe#eCe kesb) yeveevee.
Yeewefleke (efyeke SJeb ceese&j) MeeKee efJemleej
F& yeQeEkeie ewveueesb, efpemes lekeveerke kegMeue Menjer mecegoee eje peeoe Hemebo
efkeee peelee nw, keer leguevee cesb Deece eenkeesb kes peeoe kejerye ceeves-peeves Jeeues
efyeke SJeb ceese&j efJelejCe ewveueesb keer 31 ceee& 2014 keer efmLeefle veeres oer ieF& nw.
#es$e Jeieerk& ejCe (Yeejle)
ceneveiejere
Menjer
De& Menjer
eeceerCe
kegue
efJeosMeer
MeeKeeDeesb keer mebKee

980
849
1273
1772
4874
60
kegue mebKee kee %

20.11
17.42
26.11
36.36
100.00
--
Iejsuet= Deveg<ebefieeeb Deewj meneesieer kebHeefveeeb

efJeeere Je<e& 2014 kes oewjeve yeQke keer Deveg<ebefieeesb, mebegkele Geceesb Deewj meneesieer
kebHeefveeesb kee keee&efve<Heeove meblees<epeveke Deewj DeHes#ee kes DevegHe jne.
yee@yekee[d&me efueefces[ ves SveHeerS Keeleesb cesb Jemet=ueer kes eje efJeeere Je<e& 2011
keeee&vJeeve kes lenle HeefjeespeveeSb

l DeueerjepeHegj, peeHegj, met=jle, Yee SJeb PeeyegDee cesb yeerSmeJeerSme kee
efvecee&Ce keee& peejer nw.
jeeHegj cesb veS eMeemeefveke Deewj DeeJeemeere YeJeve kee efvecee&Ce keee& peejer
nw.
Fboewj (ceOe eosMe) cesb DeeJeemeere leLee JeeJemeeefeke kee@cHueskeme kee

nwojeyeeo cesb ef[peemj efjkeJejer meeF kes efueS yeQke kes DeHeves YeJeve kee
58
yeQke keer Deveg<ebieer yee@yekee@[&dme efue. eje efmeivesej kee[& kes MegYeejbYe kes oewjeve eer
Sme. Sme cetbo[e, meerSce[er SJeb Deve GeeefOekeejer

cesb Glke= keee&efve<Heeove efkeee efpevekes HeuemJeHe efJeeere Je<e& 2012 Deewj
efJeeere Je<e& 2013 kes oewjeve ueeYe Deefpe&le efkeee. efJeeere Je<e& 2014 kes
oewjeve kebHeveer ves JeJemeee efJekeeme kes meYeer iegCeelceke HenuegDeesb Hej DeHevee
Oeeve kesbefle efkeee, HeefjCeecemJeHe ueeYeeolee, iegCeJeeeHejke kee[& DeeOeej
SJeb meome mebmLeeve DeeOeej cesb megOeej ope& efkeee ieee. kebHeveer ves eerefceece
efJeMes<eleeDeesb pewmes S[s[ efeefJeuespesme Deewj Dee@Hej meefnle efsefveece kee[&me,
efmeivesej kee[&dme, SMet=j kee[d&me, keeHees&js Hueefvece kee[d&me Deewj yee@yekee[&dme
Fueer kee[&dme keer jsbpe Meg keer. Je<e& kes oewjeve kee@Hees&js SJeb Ge Meg ceeefueele
Jeeues eenkeesb kes efueS efJeMes<e eespeveeSb DeejbYe keer. kebHeveer ves kee[& Deewj cees&v
yesme kees JeeHeke kejves nsleg Deeeeceke eespeveeSb leweej keer.
yee@yekesefHeue ceekes&dme efue. kees Je<e& kes oewjeve Heefjeespevee efJee efJeYeeie keer
Ske erce keer eefleefveegefkele eje HesMesJej o=ef mes mego={ efkeee ieee leLee Fmeves
efJeefYevve eenkeesb kes efueS ye[s Hewceeves Hej lekeveerkeer JeJenee&lee DeOeeve, $e+Ce
Hegveie&"ve leLee kee@Hees&js efJee mesJeeDeesb kes keeees kees DeejbYe efkeee. mebHet=Ce&
Je<e& kes oewjeve kebHeveer kee Oeeve efveJesMe meueenkeej mesJee, $e+Ce SJeb FefkeJeer
mecet=nve leLee Het=bpeer yeepeej ieefleefJeefOeeesb kej jne. kebHeveer ves Dekelet=yej 2009
mes mebmLeeiele yeesefkebie JeJemeee Meg efkeee Deewj meeLe ner Ske Dee@veueeFve
mebmLeeiele ^seE[ie HuesHeece& kee MegYeejbYe Yeer efkeee. kebHeveer ves JeeJemeeefeke
He mes 20 pegueeF& 2012 kees DeejbYe efkeS ieS Dee@ve ueeFve efjsue ^seE[ie
HuesHeece& kees keeHeer HeefjJeef&le efkeee leeefke en eenkeesb eje GHeeesie keer
o=ef mes Deemeeve yeve mekes Deewj GHeeesiekelee& Devegket=ue efjsue ^seE[ie HuesHeece&
kee ueeYe G"e mekesb. kebHeveer keeHeer eeflemHeOeer& yeepeej cesb Heefjeeueve kej jner nw
leLee yeepeej kes DeJemejesb kee ueeYe G"eves kes efueS ncesMee mepeie leLee DeevesJeeues
Je<ees cesb efJekeeme keer mebYeeJeveeDeesb mes egkele nw.
vewveerleeue yeQke efueefces[ kees mJeieer&e Yeejle jlve Hebef[le ieeseEJeo JeuueYe Heble
Deewj Deveesb eje ecees efkeee ieee Lee peesefke Je<e& 1973 cesb yeQke Dee@He ye[ewoe
kee meneesieer yeQke yevee. Deepe, vewveerleeue yeQke cesb yeQke Dee@He ye[ewoe keer Mesej
Oeeefjlee 98.57% nw Deewj en yeQke kee Deveg<ebieer yeQke nw. GejeKeb[ jepe ves
efoveebke 3 Deiemle 2012 keer mejkeejer met=evee eje DeefOemet=efele efkeee nw efke
Deve meeJe&peefveke #es$e kes GHeeceesb kes meeLe vewveerleeue yeQke efueefces[ kees Yeer
mecelegue mecePee peeS. yeQke ves MeeKee efJemleej kes keoce G"eS nQ Deewj osnjeot=ve
cesb #es$eere keeee&uee mLeeefHele efkeee pee egkee nw. yeQke ves Heefjeeueveesb kees ye{eJee
osves kes efueS Deeeeceke eespeveeSb leweej keer nw. yeQke ves 15 MeeKeeDeesb cesb F&
mwbeEHeie megefJeOee kee MegYeejbYe efkeee Deewj ceesyeeFue yeQeEkeie SJeb F& yeQeEkeie Deeefo
pewmes efJeefYevve veF& met=evee eeweesefiekeer keer Henuesb Yeer Meg keer nQ. yeQke ves efjsue
mesiecesb kees ye{eves kes efueS, cegKele: DeeJeeme $e+Ce SJeb GHeYeeskelee $e+Ce kes
#es$e cesb mejkeejer efJeYeeieesb leLee HeerSmeet= kes Ge DeeeJeeues Jesleve kece&eeefjeesb
kes meeLe-meeLe HesMesJej Jeefkeleeesb kes efueS Deveske Henuesb keer.
ye[ewoe Heeeesefveej Smes cewvesbpecesb kebHeveer efueefces[ : Heeeesefveej iueesyeue
Smes cewvespecesb mHee kes meeLe Ske mebegkele Gece nw Deewj en Heefjeeueve kes "s
Je<e& cesb nw. meceer#ee Je<e& kes oewjeve kebHeveer Gmekes Set=Sce kees GuuesKeveere {bie
mes mego={ yeveeves cesb me#ece jner peesefke ceee& 2014 kees Je<e& oj Je<e& kes DeeOeej
Hej 75.0% ye{e Deewj [sefye Deewj FefkeJeer ceekes& cesb eyeue cebo efmLeefleeesb kes
yeeJepet=o Yeer Ske ueeKe leke Heesefueees Ske$e kejves cesb me#ece jner. en eieefle,
mebmLeeiele mesiecesb Hej mego={ Oeeve kes Jepen mes ngF& pees efke kebHeveer kees Gvekes
[sefye Deewj Het=bpeer ceekes& GlHeeoesb meefnle efjsue efveJesMekeesb nsleg megJeJeefmLele
efveJesMe eespeveeDeesb (SceDeeF&Heer) Hej Oeeve kesbefle kejves keer Jepen neefmeue
ngF&. kebHeveer ves efveJesMeke mesJee eEyeogDees (FbJesmj meefJe&eEmeie Hee@Fbme) keer mebKee
77 mes ye{ekej 203 kej oer nw. Je<e& kes oewjeve kebHeveer keer eyebOeve kes lenle
Deewmele Deeefmleeesb (SSet=Sce) cesb keeHeer ye{esejer ngF& efpemeves Fmes Yeejle cesb Meer<e&
2013-14
20 cegegDeue Heb[dme kes yeere uee Ke[e efkeee. ceee&, 2014 cenerves cesb Fmekeer
jweEkeie 19JeeR Leer. kebHeveer (SSet=Sce) keer Je=ef (SmeesefmeSMeve Dee@He cegegDeue
Heb[dme Dee@He Fbef[ee) kes JesyemeeF kes Devegmeej 10.0% keer Geesie Je=ef keer
leguevee cesb Je<e&-oj-Je<e& DeeOeej Hej 11% jner. FefkeJeer yeepeejesb kes Deefveeefcele
jnves kes keejCe eenkeesb keer yeele kees FefkeJeer yeepeej cesb ueieeves keer o=ef mes
kebHeveer kes efueS SmeDeeF&Heer es ceeOeceesb mes Ske yevee jne.
Fbef[ee Hem& ueeFHe FbMeesjsbme kebHeveer efueefces[ ueerieue SJeb pevejue egHe kes
meeLe mebegkele Gece kebHeveer nw, efpemeves 16 veJebyej, 2009 kees DeHevee JeJemeee
Heefjeeueve Meg efkeee Deewj osMe Yej cesb Fmekes GlHeeoesb kees GlmeenJeOe&ke eeflemeeo
efceuee. kebHeveer kees ueieeleej leerve Je<ees leke cee@[ue FbMet=jj DeJee[& (SefMeee)
eeHle ngDee. kebHeveer ves veS JeJemeee pegekej Je<e& oj Je<e& 67.0% ye{esejer
keer. Fmekeer GeesieJeej JeJemeee jwbeEkeie efHeues Je<e& keer veewJesb keer leguevee cesb eeuet=
Je<e& HejJejer 14 kes oewjeve megOejkej meeleJeerb nes ieF&. veS JeJemeee eerefceeceesb
cesb Je=ef kes DeeOeej Hej Fmekee yeepeej DebMe efHeues Je<e& kes 3.0% mes megOejkej
5.0% nes ieee. JewkeefuHeke ewveue efJelejCe kes lenle veS efJelejCe mecePeewleesb,
efpevecesb DeejDeejyeer/SveyeerSHemeer/yeeskej Deeefo kes meeLe mecePeewles Meeefceue nQ,
kes keejCe eenkeesb keer mebKee cesb Je<e& oj Je<e& DeeOeej oj - 46.0% keer Je=ef
ngF&. veJeerkejCe mebyebOeer mebenCe cesb Je<e& oj Je<e& DeeOeej Hej 23.0% keer Je=ef
ngF&. efpemekee HeefjCeece kebHeveer keer eerefceece Deee cesb ye{esejer leLee Hee@efuemeer
SJeb eerefceece keer efvejblejlee kes He cesb meeceves Deeee. kebHeveer keer kegue Deee cesb
46.0% (Je<e& oj Je<e&) keer ye{esejer ngF&. yeQke kes meeLe kebHeveer keer cenlJeHet=Ce&
Henue ceesyeeFue yeQeEkeie kes ceeOece mes eerefceece Yegieleeve kee efJekeuHe leLee
efJeeere meceeJesMeve MeeKee cee@[det=ue kee MegYeejbYe kejvee nw.
Fbef[ee Fbee[s efue. DeeF&meerDeeF&meerDeeF& yeQke efue., DeeF&meerDeeF&meerDeeF& nesce
Heeevee@me kebHeveer efue. efmeerkee@He& Heeevee@me (Fbef[ee) efue. leLee Yeejleere peerJeve
yeercee efveiece keer mebegkele Gece kebHeveer nw. kebHeveer kee ie"ve 31 Dekelet=yej 2012
kees cegbyeF& cesb efkeee ieee SJeb Fmes Yeejleere efj]peJe& yeQke eje Fbeemkeêj [s
Heb[ - vee@ve yeQeEkeie Heeevesbefmeeue kebHeveer (DeeF&[erSHe-SveyeerSHemeer) kes He cesb
keece kejves kes efueS jefpemêrkejCe eceeCe He$e e. Sve- 13.02039, efoveebke
08.02.2013 peejer efkeee ieee nw. kebHeveer keer cegKe ieefleefJeefOe - Heefjeespevee
kebHeefveeesb keer $e+Ce oseleeDeesb kees DeebefMeke HegveefJe&e GheueyOe kejevee nw.
Fbef[ee Fbee[s efue. (Fbee[s) iewj yeQeEkeie efJeeere kebHeveer (DeeF&[erSHeSveyeerSHemeer) kes He cesb ieef"le Yeejle kee Henuee Fbeem^keej [s Heb[ nw.
DeeF&[erSHe mebjevee kes meHeue efeeevJeeve nsleg Fbee[s, vesMeveue neeJes
Dee@Leesefjer Dee@He Fbef[ee, efJee ceb$eeuee leLee me[ke HeefjJenve SJeb ceneceeie&
ceb$eeuee kes meeLe leeuecesue efye"eles ngS keee& kejlee nw.
Je<e& kes oewjeve en Henuee DeeF&[erSHe, SmeyeerSHemeer yevee efpemes pegueeF& 2013
cesb DeHeves ef[yesbej efveie&ce kes efueS efeefmeue mes SSS keer jseEie eeHle ngF&.
leogHejeble efmelebyej, 2013 cesb Fbee[s eje efJeefYevve eeefOekeeefjeesb kees DeeMJeemle
efkeS peeves kes eeemeesb mes ef[yesbej efveie&ce keee&ece kes efueS Fbee mes SSS
keer jseEie eeHle ngF&.
Fbee[s cegKele: me[ke, yebojieen Deeefo pewmes #es$eesb cesb efJeMes<e Oeeve os jne
nw. Je<e& kes oewjeve efveosMeke ceb[ue keer $e+Ce SJeb peesefKece meefceefle ves me[ke
#es$e kes keg emleeJeesb, SeF&Sue (efnceeeue SkemeesmeJes efue.) kees oer ieF& cebpet=jer
kes DeueeJee, nsleg efJee GheueyOe kejeves kees cebpet=jer os oer nw. Hegve: Fbee[s eje
efJee GheueyOe kejeves nsleg Deefleefjkele HeefjeespeveeDeesb kes melele efveOee&jCe keer
eefeee peejer jKeer peeSieer Deewj DeevesJeeues keg cenerveesb cesb keg Deefleefjkele
JeJenejesb kees Debeflece He efoee peeSiee.
59
2013-14
ye[ewoe Heeeesefveej ^mer kebHeveer ee.efue.

ye[ewoe Heeeesefveej ^mer kebHeveer ee.efue., ye[ewoe Heeeesefveej cet=egDeue Heb[
kee ^mer nw. ^mer kes He cesb en kebHeveer megefveefMele kejleer nw efke ye[ewoe
Heeeesefveej Smes cewvesbpecesb eje efkeS ieS uesve-osve mesyeer (cet=egDeue Heb[)
efJeefveeceve, 1996 kes Devegket=ue nw. en Smes cewvesbpecesb kebHeveer eje keer
peevesJeeueer ieefleefJeefOeeesb keer meceer#ee Yeer kejleer nw.
(` ueeKe cesb)
FkeeF& (HebpeerkejCe keer osMe mJeeefOeke=le kegue Deeefmleeeb Meg ueeYe keeee&uee
leejerKe kes meeLe )
efveefOeeeb
meHe
yee@ye kewefHeue ceekes& Yeejle 14,277.82 15,791.55 686.64

efue. (11 ceee& 1996)
38
yee@yekee[&dme efue. (29 Yeejle 17,292.00 21,939.00 2,811.00

efmelebyej 1994)
37
191
ye[ewoe Heeeesefveej
Yeejle 6,626.40
Smes cewvesbpecesb
kebHeveer efue. (5 veJebyej
1992)
7,258.67
(-)
982.46
85
11.95
2.22
Fbef[eeHem& ueeFHe Yeejle 60,500.00 7,11,617.59 2,547.35

FbMeesjsbme kebHeveer efue.
(19 pet=ve, 2008)
48
1,549
vewveerleeue yeQke efue.

(31 pegueeF& 1922)
116
843
11
ye[ewoe Heeeesefveej
Yeejle
^mer kebHeveer efue.
(23 efomebyej 2011)
5.70
Yeejle 44,528.00 5,34,259.00 6,542.00
Fbef[ee Fvee[s efue. Yeejle 32,893.74 33,157.37 2,092.67

(31.10.2012)
jepeYee<ee veerefle kee keeee&vJeeve
DeeHekes yeQke ves Yeejle mejkeej kes Jeeef<e&ke keeee&vJeeve keee&ece 2013-14
kes ue#eesb leLee yeQke kes efJeefYevve keeee&ueeesb/MeeKeeDeesb kes oewjesb kes oewjeve
mebmeoere jepeYee<ee meefceefle kees efoS ieS DeeMJeemeveesb kees Het=je kejves kes efueS
Ske megJeJeefmLele keee&eespevee leweej keer. efvejblej efveiejeveer SJeb efJeefYevve
mlejesb Hej efkeS ieS eeemeesb kes eje DeeHekes yeQke ves keee&ece kes meYeer
cenlJeHet=Ce& ue#eesb kees neefmeue efkeee SJeb mebmeoere jepeYee<ee meefceefle kees efoS
ieS DeeMJeemeveesb kees Het=Ce& efkeee.
yeQke kes DeOe#e SJeb eyebOe efveosMeke keer DeOe#elee cesb kesbere jepeYee<ee meefceefle
keer yew"kesb efveeefcele leewj Hej $ewceeefmeke DeeOeej Hej Deeeesefpele keer ieF&. meefceefle
mes eeHle ceeie&oMe&ve kes Devegmeej efJeeere Je<e& 14 kes oewjeve Deveske veF& Henuesb
keer ieF&. DeeHekes yeQke ves yeQke keer efleceener efnvoer eieefle efjHeeseE&ie eCeeueer kees
Dee@es ces kejves keer efoMee cesb cenlJeHet=Ce& Henue keer. DeeHekes yeQke ves mebie"ve
mlej Hej eieefle Dee@veueeFve Hewkespe kee efeeevJeeve efkeee. Hewkespe kees yeQke
kes JeeF[ Ssefjee vesJeke& Hej GheueyOe kejeee ieee. meYeer Heefjeeueve FkeeFeesb
Deewj eMeemeefveke keeee&ueeesb kees jepeYee<ee efjHees& emlegle kejves nsleg et=pej
DeeF&[er SJeb HeemeJe[& eoeve efkeS ieS. DeeHekes yeQke ves Keeleesb kes Kegueves mes
mebyebefOele efmemce pevejss[ He$e DeHeves jerpeveue yewke Dee@efHeme kes ceeOece mes
efYeeef<eke (efnvoer-Debespeer) He cesb Yespeves DeejbYe efkeS. Fme Hewkespe kes GHeeesie
eje eleske cenerves ueeKeesb He$e efYeeef<eke He cesb pevejs efkeS ieS efpemeves
nceejs yeQke kees jepeYee<ee keee&ece kes ue#eesb kees neefmeue kejves cesb keeHeer
ceoo keer. DeeHekes yeQke ves Yeeef<eke #es$e ke SJeb Ke keer MeeKeeDeesb cesb Heemeyegke
leLee Keelee efJeJejCeer efnvoer cesb pevejs kejves nsleg Deefleefjkele MeeKeeDeesb kees
mebye DeeF&er keee&ece kes Debleie&le Meeefceue efkeee. eenkeesb keer megefJeOee nsleg
SerSce mes uesve-osve Heeer& efnvoer cesb efvekeeueves keer megefJeOee kees Deewj efJemleej
eoeve efkeee ieee. Deye yeQke kes peeoelej SerSce Fme megefJeOee kees GheueyOe
keje jns nQ. DeeHekes yeQke ves Je<e& kes oewjeve SerSce meerve kees Deefleefjkele 4
Yee<eeDeesb DeLee&le lesuegieg, leefceue, ceueeeuece SJeb kevve[ Yee<eeDeesb cesb eoefMe&le
kejvee DeebjYe efkeee. DeeHekes yeQke ves DeeJeke-peeJeke Hewkespe DeLee&le omleeJespe
eyebOeve eCeeueer kee Yeer MegYeejbYe efkeee leeefke jepeYee<ee veerefle keer Yeeef<eke
#es$eJeej DeeJeMekelee kes Devegket=ue DeeJeke-peeJeke He$eesb kee efjkee@[& leweej
efkeee pee mekes.
Deece ueesieesb kes yeere efJeeere mee#ejlee kees ye{eves nsleg DeeHekes yeQke ves efnvoer
leLee keg eebleere Yee<eeDeesb cesb Yeer yeele keer Deeole efJekeefmele kejves, efkemeeve
esef[ kee[& keer efJeMes<eleeSb leLee mecee Hej kepe& kes Yegieleeve keer pejle Hej
DeeOeeefjle keet=&ve HegefmlekeeDeesb, SefvecesMeve efHeuceesb kee efvecee&Ce efkeee. Fve keet=&ve
HegefmlekeeDeesb SJeb SefvecesMeve efHeuceesb kes efnvoer mebmkejCe kes veece nQ - eser
yeele, ye[er KegMeneueer, Deece kes Deece, ieg"efueeesb kes oece leLee mecee Hej
kepe& kee Yegieleeve, eEpeoieer yeves Deemeeve. Fve HegefmlekeeDeesb/SefvecesMeve efHeuceesb
kees yeQke kes #es$eere/Debeue keeee&ueeesb kes Heeme eYeeJeer Fmlesceeue nsleg Yespee ieee.
keeheexjs keeee&uee, cegbyeF& ceW Deeeesefpele efnvoer efoJeme meceejesn kes oewjeve eer Sme.Sme.
cetbo[e, meerSce[er, eer jbpeve OeJeve, keee&heeueke efveosMeke Deewj eer eYeele DeeJeeue,
ceneeyebOeke Deve GeeefOekeeefjeeW kes meeLe
meceer#eeOeerve Je<e& kes oewjeve yeQke ves Yeejle mejkeej keer jepeYee<ee veerefle kes
efeeevJeeve cesb cenlJeHet=Ce& eieefle keer. jepeYee<ee DeefOeefveece SJeb efveeceesb kes
lenle efJeefYevve meebefJeefOeke DeHes#eeDeesb kes DevegHeeueve kes DeueeJee DeeHekes yeQke
ves efnvoer kees eenkeesb kes meeLe yesnlej mebyebOe mLeeefHele kejves SJeb Gvnsb es
mesJeeSb GheueyOe kejeves kes Ske meeOeve kes He cesb ye{eJee efoee SJeb Fmekee
YejHet=j GHeeesie efkeee.
60
DeeHekee yeQke veiej jepeYee<ee meefceefle kes cebe mes efnvoer kes eeej SJeb emeej
kejves keer o=ef mes ncesMee DeeCeer jne nw. meceer#eeOeerve Je<e& kes oewjeve DeeHekes
yeQke ves ie=n ceb$eeuee, Yeejle mejkeej keer cebpet=jer mes eej veF& veiej jepeYee<ee
keeee&vJeeve meefceefleeesb keer mLeeHevee keer. es meefceefleeeb peesOeHegj, jepekees,
met=jle leLee yejsueer cesb yeQke kes mebeespeve cesb keee& kej jner nQ.
mebmeoere jepeYee<ee meefceefle keer leermejer GHemeefceefle ves efe$eket= SJeb DeeCebo cesb
yeQke keer MeeKeeDeesb /keeee&ueeesb kee efvejer#eCe efkeee. meefceefle ves DeHeves cegbyeF&
oewjs kes oewjeve yeQke kes keeHees&js keeee&uee kes eeemeesb keer Yeer meceer#ee keer.
meefceefle ves DeeHekes yeQke eje efnvoer kees ye{eJee efoS peeves kes mebyebOe cesb efkeS
peeves Jeeues eeemeesb keer keeHeer eMebmee Leer.
mebmeoere jepeYee<ee meefceefle keer Ghe meefceefle eje keeheexjs keeee&uee kes efvejer#eCe kes
oewjeve DeOe#e SJeb eyebOe efveosMeke eer Sme. Sme. cetbo[e SJeb Deve GeeefOekeejerieCe
DeeHekes yeQke kes eeemeesb kees Yeejle mejkeej SJeb Yeejleere efj]peJe& yeQke ves Yeer
ceevelee eoeve keer. Yeejle mejkeej ves DeeHekes yeQke kees Fbefoje ieebOeer jepeYee<ee
Meeru[ eefleeesefielee cesb ueieeleej ot=mejer yeej eLece Hegjmkeej mes veJeepee. DeeHekes
yeQke kes DeOe#e SJeb eyebOe efveosMeke ves en Hegjmkeej efnvoer efoJeme 2013 kees
efJe%eeve YeJeve, veF& efouueer cesb Deeeesefpele Ske efJeMes<e meceejesn cesb Yeejle kes
ceeveveere je^Heefle mes eeHle efkeee. Fmekes DeueeJee DeeHekes yeQke kees Yeejleere
efj]peJe& yeQke eje efj]peJe& yeQke jepeYee<ee Meeru[ eefleeesefielee kes lenle ie #es$e
cesb eLece leLee ke SJeb Ke #es$eesb cesb efleere Hegjmkeej eoeve efkeee ieee.
DeeHekes yeQke keer mebmLee Heef$ekee yee@yecew$eer leLee efnvoer Heef$ekee De#eeced
kees le=leere Hegjmkeej eeHle ngDee. DeeHekes yeQke kes DeOe#e SJeb eyebOe efveosMeke
ves es Hegjmkeej Yeejleere efj]peJe& yeQke kes ieJe&vej mes eeHle efkeS. Fve Heef$ekeeDeesb
kees SmeesefmeSMeve Dee@He efyepevesme kecet=efvekesme& Dee@He Fbef[ee mes Yeer Hegjmkeej
eeHle ngDee.
2013-14
jepeYee<ee efJe<eeke veS ekeeMeve kee efJeceeseve kejles ngS eer Sme. Sme. cetbo[e,
meerSce[er SJeb Deve GeeefOekeejer ieCe
efveosMeke ceb[ue
eer YegJeveeb yeer. peesMeer, yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb
DeblejCe) DeefOeefveece 1970 keer Oeeje 9(3) (S) kes lenle kesv mejkeej
eje 05.08.2013 mes hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes he
ceW veeefcele) kes he ceW 31.12.2016 leke DeLeJee Deheveer DeefOeJee|<elee keer
leejerKe leke DeLeJee Deeieeceer DeeosMeeW, FveceW mes pees Yeer henues nes, leke Deheves
heo hej jnWies.
[e@. kes. heer. ke=<Ceve, DeeF&SSme, efoveebke 19.02.2014 mes eer Deeueeske
efveiece, DeeF&SSme kes mLeeve hej Yeejle mejkeej kes eefleefveefOe kes he ceW iewj
keee&heeueke efveosMeke kes he ceW veeefcele.
eer megOeerj kegceej pewve, hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes
he ceW veeefcele) kes he ceW efveege leLee efmeb[erkes yeQke ceW DeOe#e SJeb eyebOe
efveosMeke kes he ceW Deheveer efveegefe nesves kes heefjCeecemJehe 08.07.2013 mes
efveosMeke kes he ceW veneR jns.
eer Depee ceeLegj, DebMekeeefueke DeMeemekeere efveosMeke / iewj keee&heeueke
efveosMeke Dehevee keee&keeue meceehle nesves hej 04.05.2013 mes efveosMeke kes
he ceW veneR jns.
eer meleosJe ef$ehee"er, DebMekeeefueke DeMeemekeere efveosMeke / iewj keee&heeueke
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61
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62
Sme. Sme. cetbo[e

2013-14
DIRECTORS REPORT
Your Directors have pleasure in presenting the One Hundred and Sixth Annual
Report of your Bank with the audited Balance Sheet, Profit & Loss Account and
the Report on Business and operations for the year ended March 31, 2014 (FY14).
Performance Highlights

Total Business (Deposit+Advances) increased to Rs

9,65,900 crore reflecting a growth of 20.43% (y-o-y).
Gross Profit and Net Profit were Rs 9,291 crore and
Rs 4,541 crore respectively. Net Profit registered a
growth of 1.35% over the previous year.
Credit-Deposit Ratio stood at 86.15% as against
82.03% last year.
Retail Credit posted a growth of 20.96% constituting
16.6% of your Banks Gross Domestic Credit in FY14.
MSME Credit posted a growth of 21.21% constituting
20.3% of your Banks Gross Domestic Credit in FY14.
Net Interest Margin (NIM) as per cent of interest earning
assets in global operations was at the level of 2.36% and
in domestic operations at 2.87% during FY14.
Net NPAs to Net Advances stood at 1.52% this year
against 1.28% last year.
Capital Adequacy Ratio (CAR) as per Basel II stood
at 12.87%.
Capital Adequacy Ratio (CAR) as per Basel III stood
at 12.28%
Net Worth improved to Rs 34,933 crore registering a
rise of 13.7%.
Book Value improved from Rs729.11 to Rs 813.50 on year.
Business per Employee moved up from Rs 1,689 lakh
to Rs1,865 lakh on year.
Segment-Wise Performance
The Segment Results for the year FY14 reveal that the
contribution of Treasury Operations was Rs 1,527.24crore,
that of Corporate/Wholesale Banking was minus Rs 461.11
crore, that of Retail Banking was Rs 3,359.84 crore, and
of Other Banking Operations was Rs 2,458.02 crore.
Your Bank earned a Profit after Tax (PAT) of Rs 4,541.08
crore after deducting Rs 1,386.68 crore of unallocated

expenditure and Rs 956.23 crore towards provision for tax.
Dividend
Your Banks Directors have proposed a final dividend of Rs
10.50 per share. The final dividend together with interim
dividend of Rs 11 per share paid in January 2014 results
in total dividend of Rs 21.5 per share (on the face value
of Rs 10/-per share) for the year ended March 31st, 2014.
The total outgo in the form of dividend, including taxes, will
be Rs 1,083.68 crore.
Capital Adequacy Ratio (CAR)

Your Banks Capital Adequacy Ratio (CAR) was
comfortable at 12.87% under Basel II and at 12.28% under
Basel III as on 31st March 2014. Moreover, your Banks
Tier 1 ratio was at 9.28% and common equity Tier 1 was at
8.95% under Basel III framework.
Your Banks Net Worth as at 31st March 2014 was Rs
34,933.06 crore comprising paid-up equity capital of Rs
430.68 crore and reserves (excluding revaluation reserves)
of Rs 34,502.38 crore. An amount of Rs 3,457.40 crore was
transferred to reserves from the profits earned.
Provisions towards Retirement and Other Benefits

During the year FY14, your Bank made provision towards
contribution to gratuity (Rs 100.72 crore), pension funds
(Rs 1,014.76 crore), leave encashment (Rs 106.18 crore)
and additional retirement benefits (Rs 54.71 crore) on
actuarial basis. Total provisions under these four categories
amounted to Rs 1,276.37 crore during the year FY14,
against Rs 1,205.63 crore during FY13. Total corpus
available with your Bank at the end of March 2014 under
these heads was: Rs 1,532.62 crore (gratuity), Rs 7,893.50
crore (pension funds), Rs 735.69 crore (leave encashment)
and Rs 647.17 crore (additional retirement benefit).
Key Financial Ratios

Particulars
Return on Average Assets (ROAA) (%)
Average Cost of Funds (%)
Average Yield (%)
Average Interest Earning Assets (Rs crore)
Average Interest Bearing Liabilities (Rs crore)
Net Interest Margin (%)
Cost-Income Ratio (%)
Book Value per Share (Rs)
EPS (Rs)
FY 14
0.75
5.37
7.68
5,07,082.68
5,02,176.05
2.36
43.44
813.50
107.38
FY13
0.90
5.75
8.29
4,24,761.33
4,15,246.10
2.66
39.79
729.11
108.84
63
2013-14
Management Discussion and Analysis

Economic Scene in FY14 and Outlook for FY15
The financial year 2013-14 (FY14) began with multifarious
developments including elevation of inflation, heightened
rupee volatility and worsening current account deficit apart
from growth slowdown and sharp industrial contraction.
However, as the year progressed, especially from the third
quarter onwards, there were firm signs of stability on the
external front, partial easing of inflationary pressures and
positive outlook towards growth.
During the third week of May 2013, the US suggested
the possibility of scaling back of its monetary stimulus or
tapering and there were wide spread repercussions on
the emerging markets in general and on India, in particular,
wherein not only the financial markets and asset prices
saw a sharp decline but even the growth-inflation dynamics
worsened further. The rupee-dollar exchange rates slumped
to a record low of Rs 68.8 in late August 2013. The money
markets were also under pressure with call money rates
spiking to 9.5% and hardening of government bond yields.
In response, the Reserve Bank of India (RBI) took a series
of policy initiatives in mid-July to address exchange rate
volatility so that it does not risk macroeconomic stability and
growth sustainability. The measures undertaken included
initiatives to contain domestic liquidity by sharply increasing
Marginal Standing Facility (MSF) rate, moderating outflows
and encouraging FX inflows through liberalized External
Commercial Borrowings (ECBs) and Foreign Currency
Non Resident (Bank) or FCNR (B) deposits. Apart from
these, the government increased customs duty on gold
and compressed demand for oil as well as curbed nonessential imports. External inflows were also encouraged.
Consequently, the rupee recovered rather sharply to over
Rs 60.0 per US dollar and touched a high of Rs 59.9 per
dollar on March 28, 2014.
As the uncertainties surrounding taper decimated
and domestic policy initiatives had positive impact,
there was significant reduction in rupee volatility. The
Current Account Deficit (CAD) which had peaked due
to heightened outflows also contracted to 0.9% of GDP
in Q3, FY14 from 6.7% of GDP in Q3, FY13. As Indias
currency stabilised, the RBI began unwinding the
unconventional monetary measures from September,
2013 in an orderly fashion. Among them, the marginal
standing facility (MSF) which was increased by 200 bps to
10.3% on July 15, 2013 was gradually reduced in stages
to 9.0% on December 18, 2013 and maintained at that
level till the end of the financial year.
In the real sector, the ongoing contraction of mining and
manufacturing sectors pulled down the real GDP growth
to 4.8% in Q3, FY14. While the growth concerns remained
significant for industrial and services sectors, the favourable
monsoon rainfall improved the agricultural performance
during FY14. Yet, majority of private forecasting agencies
estimate the full years growth for FY14 in the band of 4.6%
to 4.8%.
64
As in the past few years, the inflationary situation remained

a dominant macro risk for India throughout the year FY14.
The CPI inflation averaged around 9.5% throughout the
year FY14 on the back of elevated food and fuel inflation.
Despite the correction in vegetable prices during Dec-Jan,
FY14 as well as the favourable monsoon and agricultural
production scenario in FY14, food inflation at the retail
level remained elevated highlighting the innate supply
chain inefficiencies. Additionally, the upward adjustment
in diesel prices and electricity tariffs too impacted the CPI
trajectory during FY14.
The Interim Budget for FY15 presented by Government of
India showed continued fiscal consolidation, with a fall in
the fiscal deficit from 4.9% of GDP in FY13 to 4.6% of GDP
in FY14 and further to 4.1% of GDP in FY15. While the
revised estimates of both the revenue and fiscal deficits for
FY14 are lower than the budgeted estimates, the expenses
on subsidies, interest payments and pensions overshot the
budgeted target and their impact was absorbed by lower
plan expenditure.
Most of the private and public think-tanks from across
the globe including International Monetary Fund (IMF)
believe that Indian economy will recover in FY15 and
the recovery will be enabled by a relatively stronger
world economy, improving export competitiveness and
policies encouraging investment. While the CPI inflation
is expected to remain an important challenge for India,
it should continue to move onto a downward trajectory
during the major part of FY15.
Performance of Indian Banking Sector in FY14

and Outlook for FY15
Against the backdrop of a slowdown in the domestic
economy and tepid global recovery, the growth of the Indian
banking sector remained under pressure even in FY14. The
deposit and credit growth was marginally better than that
in FY13. The growth in deposits of scheduled commercial
banks (SCBs) at 14.6% in FY14 was marginally better than
the growth at 14.2% in the previous financial year. However,
this growth was primarily driven by the liberal policy adopted
by the RBI towards non-resident Indian deposits. The credit
growth at 14.3% in FY14 too was marginally better than that
at 14.1% in FY13.
Due to exchange market pressures during Q2, FY14 the
RBI had to take exceptional measures that resulted in
firming up of both deposit and lending rates in September,
2013. With the ebbing of pressures on exchange rate, the
RBI rolled back these exceptional measures in a calibrated
manner and, in response to that the lending rates softened
a bit in H2 of FY14. On balance, however, the lending
rates were by and large sticky during the year. As inflation
remained at elevated levels, the banks were compelled to
offer attractive interest rates on their term deposits so as
to protect their liability franchise. The sticky and elevated
cost of deposits combined with subdued credit demand
suppressed the banks earnings profile. Given the bleak
macroeconomic environment and worsening repayment

capacity of borrowers, the asset quality deteriorated and
pipeline of restructured assets remained large during the
financial year FY14.
However, most of the financial experts and analysts feel that
the worst is over for the Indian banking industry, as there
will be increased clarity on macroeconomic and political
fronts during FY15. On the positive side, liquidity remains
steady, inflation is expected to move downwards for the
major part of FY15 and the RBI is in full control to manage
any volatility. Macro recovery and potential for post-election
reforms should see a gradual reduction in stressed loans
on lower slippages and higher recoveries.
Risk Management
To ensure sustainable and consistent growth, your Bank
has developed a sound risk management framework so that
the risks assumed by the Bank are properly assessed and
monitored continuously. It may be noted that the ultimate
responsibility for setting up the risk management framework
lies with the Board of the Bank. It includes setting up risk
appetite, framing policies and effective monitoring. Your
Banks Board has put in place a robust Enterprise-wide Risk
Management architecture so that the risks remain within the
risk appetite defined by the Board.
The Board of Directors has oversight on all the risks
assumed by the Bank. Specific committees of the Board
have been constituted to facilitate focused oversight on
various risks. Policies approved from time to time by the
Board of Directors or committees of the Board form the
governing framework for each type of risk. The business
activities are undertaken within these policy frameworks.
A brief outline of the mechanism for identifying, evaluating
and managing various risks within your Bank is as follows.
Asset Liability Management (ALM)

Your Banks Asset Liability Management (ALM) is aimed at
strategic planning, implementation, and control processes
that affect the volume, mix, maturity, rate sensitivity, quality,
and liquidity of the Banks assets and liabilities, thereby
ensuring that the returns are commensurate with the level
of risk taken.
The ALM is the function of Asset Liability Management
Committee (ALCO), which comprises of General Managers
and Executive Directors and is headed by the Chairman
and Managing Director. It operates under the guidance and
supervision of the Board and/or Sub-Committee of Board
on ALM and Risk Management. It meets at regular intervals
to review the interest rate scenario, product pricing for both
deposits and advances, maturity profile of the incremental
assets and liabilities, demand for Bank funds, cash flows
of the Bank, profit planning and overall Balance Sheet
Management. The ALCO is also entrusted with the job of
fixing Base rate and pricing of advances & deposit products
and suggesting revisions of Base Rate to the Board.
In your Bank, the liquidity risk is measured and monitored
through two approaches-Flow approach and Stock
2013-14
approach. Flow approach is done through preparation

of Structural liquidity statement on a daily basis against
prudential caps fixed for liquidity gap positions. The quality of
liquidity is further tested by working out various ratios under
Stock Approach, wherein a series of prudential caps are
tested on a daily basis. The compliance to Stock Approach
caps ensures that the Bank has managed its liquidity through
appropriate diversification and kept it within the sustainable
limit. Moreover, liquidity position is projected every fortnight,
for the subsequent three months on a dynamic basis through
Dynamic Gap Reports.
For measurement and monitoring of Interest rate risk,
currency wise, both Traditional gap approach and Duration
gap approaches are followed. The short-term impact of
interest rate movements on NIM is worked out through
Earnings at Risk approach taking into consideration Yield
curve risk, Basis risk and Embedded Options Risk. The
long-term impact of interest rate movements on Market
Value of Equity is also worked out through Duration Gap
approach.
Advanced techniques such as stress testing of liquidity
risk and interest rate risk, simulation, sensitivity analysis
etc., are used on regular intervals to draw the contingency
funding plan under different liquidity and interest rate
scenarios. Your Bank has also put in place contingency
plans to meet its liquidity obligations under various stressed
scenarios.
Your Bank is in the process of implementing Oracle
Financial Services Analytics and Applications (OFSAA)
platform, which is a multi-currency ALM, Fund Transfer
Pricing (FTP) and profitability solution, offering extensive
data management capabilities for accurate information
gathering and analysis. With a powerful suite of analytical
and reporting tools, the efficient liquidity and interest rate
risk management has been facilitated, enabling strategic
decision-making and generating alerts against potential
deviations.
Credit Risk
Your Banks Credit Risk management is governed by a
comprehensive and well-defined Credit Policy which is
approved by the Board. It encompasses credit approval
processes for all business segments along with the
guidelines for monitoring and mitigating the risks associated
with them. The Board of Directors of your Bank endorses
the credit risk strategy and approves the credit risk policies.
In line with international best practices, there is a clear
segregation between risk takers and policy framers.
Your Bank has put in place a structured and standardised
credit approval process which includes a well established
procedure of comprehensive credit appraisal and credit
rating. Furthermore, your Bank has adopted risk-based
delegated lending power, where higher discretionary lending
powers have been delegated for low credit risk proposals.
The rating serves as a key input in the approval as well as
post-approval credit processes.
65
2013-14
Your Bank has in place a robust two dimensional credit

rating system which reflects both client rating and facility
rating. The two dimensional approach is more precise and
consistent as it records Probability of Default (PD) and Loss
Given Default (LGD). Over the years, your Bank has gained
rich experience in internal rating and has built up data on
credit rating migration. This robust platform has enabled
your Bank to make an application to the RBI to migrate to
Foundation Internal Ratings Based (FIRB) approach of
Credit Risk under Basel II rules. The FIRB implementation
will also prepare your Bank to drive its business in more
systematic and sophisticated manner in terms of risk-based
pricing, optimum portfolio construction and fixation of risk
appetite.
Also, your Bank conducts industry studies to track
emerging risk factor across industries and to identify
sunrise sectors. This industry knowledge is supplemented
through field visits, interacting with clients, sector
regulators and industry experts. To manage the undue
concentration risk in the portfolios, the Bank has put in
place prudential caps across industries, sectors and
borrowers. The corporate research cell also carries
out detailed sectoral studies, identifies portfolio trends,
and generates portfolio level MIS covering various
credit quality indicators like sectoral exposure, credit
concentration, ratings distribution and migration.
Market Risk
Market Risk is the risk of loss of earnings or economic
value due to adverse changes in market rates or prices.
The sources of market risk may be enumerated as under.
l
Interest rate risk: The exposure that is affected by

adverse movement and volatility in various yield curves
and credit spreads.
Currency exchange rate risk: The risk that arises from

changes in exchange rates and their volatility.
Equity price risk: The risk that arises from changes in

the prices of equities, equity indices, equity baskets
and volatility in stock market.
The market risk may also arise from changes in commodity

prices and volatility. However, your Bank does not have any
exposure to commodity related markets.
Your Bank has clearly articulated policies to control and
monitor its treasury functions. These policies comprise
management practices, procedures, prudential risk limits,
review mechanisms and reporting systems. These policies
are reviewed regularly in line with changes in financial and
market conditions.
The Interest rate risk in your Bank is measured through
Interest Rate Sensitivity Gap Reports and Earning at Risk.
Furthermore, your Bank calculates duration, modified
duration, Value at Risk for its investment portfolio consisting
of fixed income securities, equities and forex positions on
daily basis. It monitors the short-term Interest rate risk
from the Net Interest Income (NII) perspective and long-
66
term interest rate risk from the Economic Value of Equity

(EVE) perspective. The Value at Risk for the treasury
position is calculated for ten days holding period, at 99.0%
confidence level. Moreover, the stress testing of fixed
interest investment portfolio through sensitivity analysis and
equities through scenario analysis is regularly conducted
in your Bank.
Based on the RBI directions, your Bank has also been
estimating the Economic Value of Equity Impact on a
quarterly basis.
Operational Risk
Operational Risk implies the risk of loss resulting
from inadequate or failed internal processes, people
and systems or from external events. This includes
legal risk, but excludes strategic and reputational
risks. Your Bank has a robust and comprehensive
Operational Risk Management Framework (ORMF)
to meet the qualitative and quantitative requirements
of the Standardized Approach (TSA) and Advanced
Measurement Approach (AMA) of Basel II requirements.
Operational Risk Management Committee (ORMC) of
your Bank shoulders the responsibility of monitoring and
controlling the operational risk by way of prescribing/
amending processes, imposing controls and defining
roles and responsibilities. Your Bank has sound
operational risk governance practice with three lines of
defence mechanism such as Business line management,
independent corporate operational risk management
function and an independent inspection and audit
function to ensure that its internal guidelines, policies
and procedures are complied with.
Your Bank is in the process of implementing a globally
accredited sophisticated system (SAS EGRC 5.1) to capture,
measure, monitor and manage its operational risk exposure
by installing an enterprise-level automated web-based
solution. The solution is expected to be fully operational
before the end of the half-year of FY15. Moreover, your bank
is one of the promoters and initial equity capital subscribers
to a company which will be a consortium of Operational Risk
loss data in India for the banking industry.
Basel III Implementation

The Basel III capital regulations were implemented in India
with effect from April 1, 2013. To ensure smooth transition
to full Basel III, appropriate transitional arrangements have
been provided with full implementation as on March 31,
2019. The Basel III capital rules also require an enhanced
set of disclosures on the components of Capital Adequacy
Ratio (CAR) which are published separately.
Risk-Based Supervision by RBIA Change

from the CAMELS System
The growing complexities in the banking business and
lessons from the recent financial crisis have resulted in a
thorough overhaul of the global regulatory and supervisory
benchmarks. There were revised prescriptions for more

resilient banks and banking systems (Basel III), revised
core principles for effective bank supervision, new
principles for supervision of financial conglomerates and
planning for recovery and resolution of global systemically
important banks, etc. This needed a relook at the RBIs
extant supervisory processes and mechanism in order to
make it more robust and capable of addressing emerging
challenges.
With this view, the RBI has introduced a concept of RiskBased Supervision (RBS) that will focus on evaluating both
present and future risks - as against the present compliancebased and transaction testing approach (CAMELS). The
Risk Based Supervision Framework introduced by RBI
for Indian banks is named as Supervisory Program for
Assessment of Risk and Capital (SPARC) and Integrated
Risk and Impact Scoring (IRISc) Model is one of its most
important components.
Under the RBS, the probability of failure of a bank and the
likely impact of this failure is calculated. Also, the banks
assessed as having a low risk/impact profile would be
inspected only once in a two to three year cycle.
The RBI proposes to use thematic reviews increasingly as
a tool of supervision whereby it will carry out review of a
particular product, market or practice to assess risks brewing
within the sector or at systemic level for enabling prompt
actions/measures.
A single point contact in the form of an exclusive Senior
Supervisory Manager (SSM) is created within the
Department of Banking Supervision of RBI (DBS) to ensure
efficient and effective communication between the RBI and
the banks.
While the CAMELS carried out performance evaluation
of banks, the RBS will determine the probability of failure
of a bank and its impact in the light of- (1) risks to which a
bank is exposed, (2) the strength of control and governance,
(3) oversight framework in place and (4) available capital.
Based on the rating, a particular bank would be apprised of
the direction/ trend of key risks along with overall risk faced
by it and a risk-mitigation plan, comprising of a need for
improving controls, augmenting capital and/ or restructuring
the existing business.
Under RBS, the focus will also be on the potential risks
arising from the material group entities to the parent bank.
It may be noted that your Bank was one of the few banks
selected for the first cycle of supervisory review under the
RBS2013, given its systemic importance. Both the off-site
and on-site supervision were successfully completed within
the given timeframe for your Bank.
Credit Monitoring Function

Credit monitoring is one of the most important tools for
ensuring quality of advance assets. Your Bank has the
system of monitoring of the advance accounts at various
levels (Branch/Region/Zone and Corporate) to prevent asset
quality slippages and to take timely corrective actions to
2013-14
improve the quality of its credit portfolio.

A separate department for Credit Monitoring functions at
the Corporate level, headed by a General Manager, and one
at the Regional and Zonal level, started functioning since
September 2008. The Slippage Prevention Task Force
(SPTF) formed at all Zonal, Regional offices in terms of the
Banks Domestic Loan Policy was activated for the purpose
of arresting slippages and also for initiating necessary
restructuring in potential and viable sick accounts at an early
stage in a time bound manner.
The primary objectives of the Credit Monitoring Department
at the Corporate level are enumerated as under:

Identification of weakness/Potential default/incipient

sickness in the advance account at an early stage;
Initiation of suitable and timely corrective actions for

preventing further impairment in advance accounts/
deterioration in credit quality of the borrowal
accounts;
Prevention of slippage in the Asset Classification and

relegation in Credit Ratings through vigorous follow up;
Identification of suitable cases for restructuring/

rescheduling/ rephasement as well as further financing
in deserving and genuine cases with matching
contribution from the borrower; Liaisoning with CDR
Cell, ZO & ROs;
Taking necessary steps / regular follow up, for review

of accounts and compliance of terms and conditions,
thereby improving the quality of Banks credit portfolio;
Monitoring progress of accounts under Board for

Industrial and Financial Reconstruction (BIFR).
Monthly Monitoring of Advances accounts

On-line web-based software developed by the IT Department
for Monthly Monitoring Reports (MMR) in respect of advance
accounts with FB+NFB exposure of Rs 10 crore and above
was launched in January 2013 and is being upgraded time
to time.
Based on the MMRs, the follow up actions are taken for
ensuring expeditious review of accounts, rectification of
irregularities, compliance of terms and conditions in high
value advance accounts for improving the asset quality of
your Banks credit portfolio.
Restructuring of Advances Accounts

As a part of an on-going business strategy to improve
upon the quality of advance assets, the Bank reaffirmed
the need to look into the stressed advance portfolio on a
continuous basis, industry-wise as well as borrower-wise,
and to initiate suitable action by way of restructuring as
may deem fit.
During the financial year 2013-14, the Bank undertook
restructuring of various advances accounts as per the table
given below.
67
2013-14
Restructuring of Advance Accounts (Global) 2013-14
Standard Advances No. of Borrowers

Restructured
Amt. Outstanding
Sub-standard
Advances
Restructured
No. of Borrowers
Doubtful
Advances
Restructured
No. of Borrowers
Total
No. of Borrowers
Amount
Outstanding
Amount
Outstanding
Amount
Outstanding
(Rs crore)
CDR Mechanism
SME Restructuring
Others
Total
15
1,162
22,405
23,582
2,611.51
1,651.68
2,025.26
6,288.45
105
1,997
2,103
17.04
36.88
175.18
229.10
30
1,063
1,095
162.71
24.90
47.96
235.57
18
1,297
25,465
26,780
2,791.26
1,713.46
2,248.40
6,753.12
Economic Intelligence Unit
risk management.
A specialised Economic Intelligence Unit (EIU) headed by

the Chief Economist and located at the Corporate Office
of your Bank supports your Banks Top Management in
several critical areas like Macroeconomic Forecasting,
Investor Relations, Business Strategy Formulation, AssetLiability Management, and in discussions/deliberations
with Regulators domestic and international and Rating
Agencies. The EIU regularly provides the Top Management
of your Bank as well as its operational units a periodic
outlook on key macroeconomic and financial variables
like industrial and infrastructure growth, inflation, interest
rates, stock and debt market movement, sectoral credit
deployment and resource mobilisation of the banking
industry, liquidity conditions, exchange rates, etc.
With the size of business increasing year after year, the

CIAD is continuously and consistently aiming for curbing
the inherent risks through effective control mechanism so
as to safeguard the Banks interest.
By providing deep understanding of macroeconomic

aspects, corporate sector health and banking sector policies,
the EIU of your Bank supports the Banks efforts in tapping
right kind of business opportunities and swiftly responding
to market dynamics.
The EIU publishes a weekly newsletter (e-publication)
covering weekly macroeconomic developments and policy
highlights to share its perspectives on global and domestic
economic and policy scenarios with investors, bankers,
regulators, rating agencies and other market participants.
This division works as an intellectual arm of your Bank
in comprehending developments that eventually aid the
formulation of rightly aligned strategies.
Internal Control Systems

Your Bank has a well established Central Internal Audit
Division (CIAD) that examines and ensures the adherence to
systems and procedures, policies, directives and guidelines
of the Bank. The directions / instructions and guidelines
received on various issues of internal control from RBI,
Government of India, Banks Board, the Audit Committee of
the Board (ACB) and Audit Committee of Executives (ACE)
have become part of the Internal Control System for better
68
The CIAD operates through thirteen Zonal Internal Audit

Divisions to carry out the audit of Branches / Offices as per
the periodicity decided by the Audit Committee of the Board
and examines and ensures adherence to such systems of
internal control and risk management.
The Audit Committee of the Board oversees the Internal
Audit function of your Bank. The Committee guides in
developing effective Risk Based Internal Audit, Concurrent
Audit, IS Audit and all other audit functions for improving the
efficiency of systemic controls. The Committee monitors the
functioning of the Audit Committee of Executives and Audit
Division in the Bank.
All the branches of your Bank are covered under the Risk
Based Internal Audit (RBIA). A total of 3,831 branches
were inspected during FY14. Out of these, 2,917 branches
(76.14%) were in Low Risk, 818 branches (21.35%) were
in Medium Risk and 96 branches (2.51%) were in High Risk
categories.
The I.S. Audit Cell working under Central Internal Audit
Division, based in Mumbai, conducts the review of IT
operations, applications, infrastructure, I.S. Audit of
branches, etc., and performs the function of Offsite
Surveillance.
In line with the guidelines issued by the Department of
Financial Services, Ministry of Finance, your Bank has
implemented the following:

Audit Committee of Executives has been established

to oversee the work of Central Internal Audit Division
and Zonal Audit Committees with effect from March
2013. This is expected to strengthen further the level
of compliance of systems, procedures and internal
guidelines.

The Concurrent Audit Policy, Manual and Scoring

Sheets duly approved by Audit Committee of the
Board and Risk Based Concurrent Audit have been
successfully implemented from FY14.
The coverage of Concurrent Audit has been increased to

1,002 branches in 2014-15 from 834 branches in FY14. In
per cent, these 1,002 branches had 70.25% of the Banks
total deposits, 82.02% of its total advances and 75.21% of
its total business as on 27.12.2013.
Credit Audit is now being nurtured as a specialized function
within CIAD and the new structure is made operational from
July 2013. During FY14, Credit Audits were conducted in
respect of 4,335 accounts covering the total fund-based
and non fund-based business of Rs 2,62,435 crore, thereby
ensuring increased level of compliance for large-sized loans.
To summarise, your Banks Central Internal Audit Division
has been effectively monitoring (on continuous basis) the
compliance of systems and procedures, policies, directives
and guidelines laid down by its own Board, the Regulator
and the Government of India.
Operations and Services

Customer-Centric initiatives
As always, efficient customer service and customer
satisfaction are the primary objectives of your Bank in its
day to day operations. Your Bank is highly responsive to the
needs and satisfaction of its customers, and is committed
to the belief that all technology, processes, products and
skills of its people must be leveraged for delivering superior
banking experience to its customers.
Recently, your Bank has taken several measures to improve
customer service at its branches and at the same time,
strengthen the customer complaint redressal machinery for
fast disposal of customer complaints.
Some of the other major initiatives in improving the customer
service during FY14 are as under.
1. SMS alerts in respect of:
(i) Financial Transactions viz
All cheque return transactions irrespective of
amount.
For transactions of Rs 1.00 lakh and above in
Cash Credit Acccount.
At entry level of transactions for cheque of
Rs 1,00,000/- and above presented in inward
clearing.
(ii) Non financial transactions viz
Change in interest rate in loan accounts due
to change in base rate.
2013-14
15H to the depositors to ensure non deduction of TDS

and to eliminate complaints in this respect.
4. To render better customer service, Offline cash
withdrawals up to Rs 15,000/- to Savings Bank
Customers and up to Rs 25,000/- to Current Account
Customers are allowed at your Bank branches where
network connectivity to Data Centre is not available.
5. Revision of cash handling charges: To increase
CASA deposits and to attract high net worth business
clients to your Bank, cash handling charges have been
revised downwards from amount-based charges to
packet-based charges.
6. Welcome Kit comprising of a welcome letter, non
personalized Debit Card and a non personalized cheque
book are being provided to new SB account customers
of your Bank.
7. Customer Meet: Under the direction of Chairman &
Managing Director, customer meets at all your Bank
branches were convened throughout the country onthe
same day and at the same time i.e. on 15.07.2013.
8. Banking Codes and Standards Board of India
(BCSBI) Code Awareness Customer Meet: In order
to spread awareness of the Codes of BCSBI among
customers of your Bank, a Customer Meet was
convened by Head Office, Baroda on 6th August 2013.
The meeting was chaired by Chairman of BCSBI and
about 150 customers from various cross sections of
Banking attended the meeting.
9. Printing of nominees name in Pass Book/Statement
of Account and FDR, if requested by customer, has
been enabled in the system of your Bank.
Efforts to improve Customer Service at Branches

In your Bank, the feedback on quality of customer service at
branches is obtained through the Branch Level Customer
Service Committee meetings that are held every month in
which customers from various cross sections of the society
are invited including senior citizens and pensioners. The
suggestions/views generated during such meetings are
collated and an appropriate follow-up action is taken to
examine the feasibility to implement the suggestions for
improving the service quality.
2. Issuance of Multicity/Payable at par at all branches

in India cheques to all eligible customers of your Bank.
3. Acknowledgement of Form 15G/15H: Branches have
been advised to acknowledge receipt of Form 15G /
Shri S.S. Mundra, CMD inaugurating the first Womens

Branch at BOJ Zone in Patna
69
2013-14
Your Bank is focused towards providing excellent customer

service through all delivery channels and has been making
continuous efforts for enhancing the level of customer
satisfaction by leveraging technology to provide e-products
and alternative delivery channels e.g. ATM/Debit cards, POS
(Point of Sale machines), Internet Banking, Mobile Banking,
etc., best suited to the diverse needs of different customers.
The varied interests and expectations of customers are
taken care of by improving upon various processes and
procedures.
Shri S.S. Mundra, CMD with Select Customers at a

Customer meet held at Eastern Zone, Kolkata
customer service. It also monitors the status of the number

of deceased claims pending for settlement beyond 15 days
pertaining to depositors/locker hirers/depositors of safe
custody articles, and reviews the status of implementation
of awards passed by the Banking Ombudsman.
Standing Committee on Customer Service

Your Bank has also set up a Standing Committee on
Procedures and Performance Audit on Customer
Services, comprising of three eminent public personalities
as members along with all the three Executive Directors
and four General Managers of the Bank. This Committee
oversees timely and effective compliance of the RBI
instructions on Customer Service and also reviews the
practices and procedures prevalent in your Bank and takes
necessary corrective steps on an ongoing basis.
The suggestions emanating in the Branch Level Customer
Service Committee meetings are obtained by your Banks
Head Office on quarterly basis from Regional Offices and
placed before the Standing Committee on Procedure and
Performance Audit on Customer Services. The feedback
of the committee meetings is then put up to the Customer
Service Committee of the Board of Directors.
Compliance
Customer-Centric initiatives and Redressal of

Complaints
Your Bank is a member of the Banking Codes and Standards

Board of India (BCSBI) and has adopted the Code of
Commitment to the Customers prescribed by the BCSBI.
It has also adopted the Code of Banks Commitment
to MICRO and Small Enterprises. These have been
placed on your Banks website and also made available
to its customers at the branches. To create and enhance
awareness of the Code among the customers, the message
to visit your Banks website www.bankofbaroda.com /
www.bcsbi.org.in for more details has been incorporated
inside the cover of Saving Bank passbook; as a footnote in
Statement of Accounts and also displayed on the screens
of ATM machines.
Your Bank has a Board approved policy on Customer

Grievance Redress and the same is placed on the
Banks website. Your Bank is also having a well
structured Customer Grievance Redressal Mechanism.
The General Manager in charge of Operations &
Services, is designated as Nodal Officer for customer
complaints regarding your Bank. Moreover, all zonal
and regional heads of your Bank are designated as
nodal officers for their respective zones and regions.
Furthermore, the names of all nodal officers along with
their contact numbers are displayed in all the branches
of your Bank.
A quarterly review note on customer grievances is

placed before the Board of Directors giving position of
customers complaints received by your Bank.
To minimize customer complaints and to ensure hassle

free customer service, a regular analysis of complaints
is done on monthly basis and action points / findings
sent to all zonal/regional heads for taking remedial
measures to minimize recurrence of such complaints
in future.
Your Bank is having a web-based online complaint

registration and redressal system in the name of
Standardized Public Grievance Redress System
(SPGRS). An icon has been provided on home page
of your Banks website, through which your Banks
customer can lodge their complaint online. The system
not only facilitates a speedy redressal of the complaints,
but also enables your Bank to maintain centralized data
base of all complaints.
Customer Service Committee of the Board

Your Bank has a Sub-Committee of Board for Customer
Service which is headed by your Banks Chairman and
Managing Director with the following members as on 31st
March 2014:
1 Shri S. S. Mundra

Chairman & Managing

Director
2 Shri P. Srinivas
Executive Director
3 Shri B B Joshi
Executive Director
4 Shri Ranjan Dhawan
Executive Director
5 Shri Maulin Arvind Vaishnav
Director
This Sub-Committee addresses the issues relating to the

formulation of policies and assessment of their compliance
which brings about consistent improvement in the quality of
70

Recently by making a modification in the SPGRS,
your Bank has provided a facility to lodge complaint/
suggestion to non-customers. Moreover, your Banks
customers can re-open their complaints within 15 days,
if they are not satisfied with the redressal.
Systems for KYC-AML-CFT

Know Your Customer (KYC) norms/Anti-Money
Laundering (AML) Standards / Combating of Financing
of Terrorism (CFT) measures and Obligation of Bank
under PMLA, 2002
Your Bank has a Board approved KYC-AML-CFT Policy.
The said Policy is the foundation on which the Banks
implementation of KYC norms, AML standards, CFT
measures and obligation of the Bank under Prevention of
Money Laundering Act (PMLA) 2002 is based. The Bank
issues guidelines to operational units on issues relating
to KYC-AML-CFT issues based on the directives of the
regulators.
The major highlights of KYC-AML-CFT implementation
across your Bank are as under:

The Bank generates Cash Transaction Reports

(CTRs) electronically for submission to Financial
Intelligence Unit-India (FIU-IND), through the
electronic medium.
The AML Solution for generating system-based
alerts has been installed and implemented. The
scope has been further widened with addition of
more alert definitions as per recommendations of
IBA working group.
There is a system-based detection and submission
of Suspicious Transaction Reports (STRs) to the
Financial Intelligence Unit-India (FIU-IND).
System-based Risk Categorization (from AML

angle) of Banks customers accounts has been
done every half year.
The Bank files Counterfeit Currency Reports

(CCRs) to FIU-IND, New Delhi.
The Bank files Non Profit Organizations Transaction

Reports (NTRs) to FIU-IND.
The Bank is in the process of allotting Unique

Customer Identification Code (UCIC) to all its
existing customers as per RBI guidelines.
Bank has eliminated 1.32 crore idle customer IDs

from the system.
Online verification of PAN from NSDL has been

operationalised as a major step to tackle money
laundering.
CBS system has been modified suitably not to

accept cash deposits of Rs.50,000/- and above in
absence of PAN / Form No. 60/61.
Bank is in the final stage of implementation of

e-KYC in collaboration with UIDAI.
2013-14
Real-time checking of names from UNSCR list is

available in more than 1800 branches as a step
towards CFT.
The full KYC compliance entails Staff Education as

well as Customer Education for which the following
measures are taken by the Bank:

A comprehensive list of KYC documents is uploaded

on the Banks website (www.bankofbaroda.com) for
the benefit of customers.
Mobile based SMS are being sent and notices have

been published in local and national dailies for
updation of KYC data in accounts of the customers.
A KYC-AML page is created at the Banks

INTRANET for posting reference material on KYCAML-CFT education for staff.
Regular training sessions are conducted on the

KYC-AML-CFT guidelines at the Banks training
establishments.
Training is being arranged for the Banks senior

officials/ executives at RBI, IBA (Indian Banks
Association) and National Institute of Bank
Management (NIBM).
Sustained efforts are being made to create

expertise at the Banks Head Office for the
Corporate Oversight and also for the KYC Audit
of branches.
Regular On-site and Off-site test checking is being

carried out to find out deficiencies and prompt
rectification.
Compliance Policy
Your Bank has put in place a Board approved well
documented Compliance Policy outlining the compliance
philosophy of the Bank based upon the directions of
RBI on compliance function in banks. The said Policy is
the foundation on which all compliance function of your
Bank is based. Compliance function in your Bank is an
integral part of governance along with internal control and
compliance risk management process supported by a
healthy compliance culture.
Major Initiatives & Highlights of Compliance

Function
Compliance Department is set up at Banks Corporate
Office headed by Chief General Manager reporting to Senior
Management of the Bank.
Apart from qualified staff in the Compliance Department at
corporate centre, each department at the corporate office
and controlling offices as well as branches are having
compliance officers to look after compliance function.
Compliance function ensures observance of statutory
provisions contained in various legislations viz. Banking
Regulation Act, Reserve Bank of India Act, Foreign
71
2013-14
Exchange Management Act and Prevention of Money

Laundering Act. It also ensures Standards and Codes
prescribed by BCSBI (the Banking Codes and Standards
Board of India), IBA (Indian Banks Association), FEDAI
(Foreign Exchange Dealers Association of India) and
FIMMDA (the Fixed Income Money Market and Derivatives
Association of India).
In order to keep the compliance staff up-to-date with
developments in the areas of banking laws, rules and
standards, regular and systematic education, knowledge
management tools have been uploaded on the Banks site
(http://intranet.bankof baroda.co.in).
Back Office Operations

Regional Back Offices and City Back Offices
Your Bank is having 12 Regional Back Offices (RBOs) at
present with two RBOs opened during the year at Bareilly
and Ahmedabad. One more RBO at Hyderabad is in
advanced stages for a roll out, in order to have one RBO
per zone for processing of CASA account opening forms
and issue of Personalised cheque books. More than 4,200
branches of your Bank are linked for centralised account
opening process through RBOs and more than 4,350
branches are linked for issuance of Personalised cheque
books.
Your Bank is having 85 centralised city back offices for
processing of inward and outward cheques through clearing.
During the year under review, 100.0% migration to CTS
(Cheque Truncation System) clearing has taken place in
Southern Grid and also at all the 20 MICR (Magnetic Ink
Character Recognition) locations of the Western Grid.
Collection in 19 States.
2. Your Bank obtained permission from Ministry of
Railways for disbursement of Railway Pension in 11
States i.e. Maharashtra, West Bengal, Assam, Bihar,
Nagaland, Tamil Nadu, Manipur, Tripura, Sikkim,
Mizoram and Arunachal Pradesh.
3. Your Bank obtained authority for additional 166 branches
for undertaking Public Provident Funds / Senior Citizens
Savings Scheme (PPF/SCSS) Business. With this,
around 1,079 branches of your Bank are authorized to
undertake PPF/SCSS business.
4. Your Bank undertook special campaign for the
mobilization of PPF with effect from 1st January, 2014
to 31st March, 2014. A total of 44,740 accounts were
mobilized during the campaign period and 64,072
accounts during FY14 as a whole.
5. Your Bank also undertook special campaign for the
mobilization of NPS Lite under New Pension Scheme
during the period from 2nd December, 2013 to 31st March,
2014 and more than 23,800 Accounts were mobilized
during the campaign period and more than 25,000
Accounts during FY14 as a whole.
6. Your Bank received permission for e-stamping facility
in the states of UP & Uttarakhand and activated 48
branches in UP & 17 branches in Uttarakhand. With this,
your Banks 113 branches in six states are authorized
to conduct e-stamp business.
Government Business & Currency Chest
7. Your Bank obtained authorisation from Ministry of

Commerce & Industries for participation in their e-Biz
portal to provide online collection of license fees and
charges collected for issuance of various types of
licenses.
Your Bank focused on Government Business in a dedicated

fashion during FY14 to augment its fee-based income. Some
of the major initiatives taken during the year under review
are listed below.
8. Your Bank implemented physical collection of Customs

Duty at Inland Container Depot (ICD) Kribhco & Hazira
and started collection of Customs Duty at both the
locations.
1. Your Bank obtained permission for State Tax Collection

in the states of Dadra & Nagar Haveli, Delhi (offline),
Mizoram, Nagaland, Andhra Pradesh & Meghalaya.
With this, your Bank is authorized to accept State Tax
9. In Andhra Pradesh, your Bank obtained approval from

Geological & Mining Department for Royalty collection
through Cyber Treasury.
10. In the State of Gujarat, your Bank got authorization to
collect MST & Entry Tax and also to handle six additional
Sub Treasuries business.
New Pension Scheme (NPS)

After launching of NPS-Lite Scheme on 14.09.2012, your
Bank canvassed 20,872 applications up to 31.03.2013
and 23,646 applications during the financial year ended
31.03.2014 under the NPS-Lite Swavalamban scheme. Your
Bank has set a target for canvassing 1,00,000 applications
under the NPS-Lite Swavalamban scheme during the
financial year 2014-15.
Shri S.S. Mundra , CMD inaugurating the Govt. & PSU
Business Dept at New Delhi
72
Cash Management & Currency Chest

1. Your Bank managed to maintain average Cash Deposits
2013-14
Ratio (without ATM Cash) at 0.30 or below by constant

monitoring and follow up with the zones and regions.
2. Clean Note Policy: To comply with Clean Note Policy
of RBI, your Bank procured 1,354 NSMs in the 1st
phase for its branches and currency chests in FY14 and
procurement of 3,682 NSMs for rest of the branches
is under way.
3. Proposed New Currency Chests: As a customercentric initiative to improve the payment system, your
Bank identified 32 currency chests to be opened during
the period, thereby increasing total number of currency
chests from 84 to 116, out of which three currency
chests, notably at Dhamnod, I.E. Varanasi, Rahangi,
were opened during the year 2013-14.
4. Coin Vending Machine: As per the Strategic Plan
on Currency Management 2011-14, 30 Coin Vending
Machines have been installed at different places during
FY14.
Sr.No. Name of the Zone
CVM Installed
Bihar Orissa & Jharkhand

Zone
03
Eastern Zone
02
Greater Mumbai Zone
01
North Gujarat Zone
04
South Gujarat Zone
04
Maharashtra & Goa Zone
02
MP & Chhatisgarh Zone
01
Northern Zone
02
Rajasthan Zone
02
10
Karnataka & AP Zone
02
11
Tamilnadu & Kerala Zone
03
12
Eastern UP Zone
02
13
WUP & Uttarakhand Zone
02
TOTAL
30
Vigilance
Vigilance in your Bank aims at identifying leakages within
the organization that lead to financial loss and, taking
corrective and preventive actions to plug these leakages
and simultaneously ensuring proper justice and fair play in
the organization. Thus, this helps in protecting the innocent
employees by supporting quality decisions, while striving to
bring the real offenders to book thereby eliminating forces
that thwart integrity and preventing loss for your Bank.
With the objective of bringing awareness among the
staff members about preventive vigilance and also to put
forth consequences of flouting the rules and regulations,
which may lead to perpetration of frauds by unscrupulous
elements, sensitive branches of the Bank are identified
on the basis of risk perception and Preventive Vigilance
Shri S.S. Mundra , CMD, Executive Directors and other

dignitaries during the Vigilance Awareness Week observed
at Corporate Office, Mumbai
Audits are conducted. The staff members are sensitized

about preventive vigilance through vigilance newsletter,
circulars, meetings etc. Other initiatives are also being
taken such as implementation of Bio-metric authentication
in CBS, online submission of Property Returns by officers
and putting Immoveable Property Returns of Executives on
your Banks website.
Your Bank has also created a pool of trained officers for
skilled investigation and expeditious conduct of enquiry
proceedings. It may be noted that there was significant
improvement in disposal of disciplinary action during the
year FY14.
As a part of increasing transparency in the processes and
systems, stress is being put on leveraging technology in the
customer service areas as well as the internal monitoring
systems viz. online applications, submissions, services etc.,
wherein minimum manual intervention is required.
The Vigilance machinery is effectively performing its role
as decision facilitators rather than decision deterrent by
strengthening the systems and procedures, plugging
the loopholes, wherever found and erasing grey areas.
It is imparting participative, proactive and preventive
mechanisms to meet the desired impact.
Business Performance
Given below are the details of your Banks major
achievements on the business front during FY14.
Announcement of its Financial Results FY 2013-14 and Q4:

FY-14 for the year ended 31st March 2014
73
2013-14
Resource Mobilisation and Asset Expansion
Sale of Gold Coins
The share of Banks Deposits in total resources stood at

86.26% as of 31st March 2014. Total Deposits of your
Bank grew from Rs 4,73,883.34 crore to Rs 5,68,894.39
crore, posting a healthy growth of 20.05% over the previous
year. Of this, Savings Bank Deposits a critical component
of Low-Cost Deposits grew by 14.39% from Rs 84,302.61
crore to Rs 96,437.44 crore.
Around 40,145 Gold coins of different denominations

aggregating 362.333 Kgs were sold during the year FY14.
Shri S.S. Mundra, CMD, Executive Directors and other

dignitaries during Extraordinary General Meeting (EGM)
held at Baroda
The share of low cost deposits (Current + Savings) or

CASA deposits in Total (Domestic + Overseas) Deposits
was at 25.75% and in Domestic Deposits at 31.76%.
Your Banks Total Advances expanded by 20.97% during
FY14 led by 21.34% expansion in Domestic Advances and
20.16% expansion in Overseas Advances.
Composition of Funds Global

Particulars
(Rs crore)
End
March 2013
End
March 2014
Growth
(%)
Deposits
4,73,883.34
5,68,894.39
20.05
- Domestic
3,41,705.59
3,79,054.04
10.93
- Overseas
1,32,177.74
1,89,840.35
43.62
Borrowings
26,579.28
36,812.97
38.50
Global Advances (Net)

Particulars
(Rs crore)
End
March 2013
End
March 2014
Growth
(%)
Advances
3,28,185.77
3,97,005.81
20.97
- Domestic
2,24,294.33
2,72,168.96
21.34
- Overseas
1,03,891.44
1,24,836.85
20.16
Deposit Resources
To bring more synergy between business models
persuaded by your Bank and its organizational structure
promoting the corporate goals, a new business vertical
Deposit Resources was created during the year. The
aim of this newly created vertical has been to ensure a
consistent and broad based growth in CASA and Retail
Term Deposits.
We are happy to share that your Bank canvassed 79,87,709
new Savings Bank accounts and 1,20,082 new Current
accounts during the year under review.
74
Initiatives undertaken by Deposit Resources

Department
Product Modification
Product modification in Baroda Premium Current
Account (BPCAP): Your Bank effected a flexibility in sweep
period ranging from 15 days to maximum 91 days during the
year. The customer would now enjoy an option to decide
sweep period within the specified range depending upon
his/her requirement of funds. The rate of interest on short
deposits is to be for the period as per the option given by
customer as per the Banks ROI prevalent from time to time.
Other Business initiatives

Drive for activation of dormant accounts: To revive &
strengthen the relationship with existing customers, a
drive was launched by your Bank for activation of dormant
accounts.
Drive for Issuance of Debit Cards: As a part of your Banks
CASA campaign and to promote the use of debit card, a
drive was launched to cover maximum customers during
the campaign period.
CASA Campaign: To accelerate growth in low cost
deposits, notably, the Current and Savings Bank Deposits, a
CASA campaign was launched from 2nd September 2013 to
25th September 2013. An amount of Rs 696 crore (retained
amount) as fresh Savings Bank Deposit was mobilized in
15,01,679 new Savings Bank accounts and total savings
deposit of Rs 1,402 crore was mobilized during the campaign
period. An amount of Rs 230 crore was mobilized in 25,426
new Current accounts and a total Current Deposit of Rs 777
crore was mobilized. Total CASA deposit of Rs 926 crore in
new accounts and in overall, an amount of Rs 2,179 crore
in both Savings and Current Account was mobilized during
the campaign period.
Savings Bank Deposit Campaign: To accelerate the pace
of mobilization of Savings Bank deposit, a campaign for
Savings Bank deposit was launched from 17.02.2014 to
22.03.2014. An amount of Rs 1,093.66 crore in 8,69,945
new savings bank accounts was mobilized with overall
increase of Rs 1,765.31 crore in savings bank deposits. The
average balance in newly opened SB accounts amounted
to Rs 12,571/-.
NRI Services
The NRI (Non-Resident Indian) deposits are important
resources, which your Bank has been successfully tapping
over the years.
New Products Launched

In pursuance to the important measures announced by the
RBI during August-September 2013 to augment inflow of
NRI remittances from abroad, two special Retail Liability
2013-14
products styled as Baroda Premium FCNR (B) deposit

and Baroda Ultra Premium FCNR (B) deposit were
introduced on 23rd September, 2013 and 10th October, 2013,
respectively. The funds mobilized under these products
facilitated your Bank to participate in concessional Dollar
SWAP window of the RBI. Keeping in line with the closure
of SWAP window of RBI on 30th November, 2013, the
special deposit products were closed on 27th November,
2013. Your Bank mobilized deposit of USD 42 million and
USD 1,694 million, respectively and swapped with the RBI
for an amount of USD 1.7 billion.
New Inward Remittance Processed

The Process has been initiated for launch of new inward
remittance product Flash Remit under tie up arrangement
with UAE Exchange Centre LLC (UAEECL) under rupee
drawing Arrangement of RBI. As of now, Supplemental
Agreement document is ready to be signed with UAE
Exchange LLC, Abu Dhabi, UAE for the new online
remittance product.
Special NRI Deposit Campaign

Coinciding with the launch of two new FCNR (B) products,
special campaign for NRI deposit was launched between
14th Oct, 2013 and 30th Nov, 2013 across all branches with
a special focus on top 500 NRI centric branches. Against
a target of Rs 1,508 crore, your Bank could register a net
increase of Rs 1,600 crore in this period. During the special
drive, about 12,967 new accounts with an inflow of Rs
10,512 crore were opened.
Centralized NRE/NRO SB a/c extended to all

territories
Centralized opening of NRE/NRO SB accounts in NRI Back
Office (NROBO), Mumbai, was extended to all overseas
territories for sponsoring the accounts opening applications
from July 4, 2013. Total number of 5,538 NRE/NRO SB
accounts was opened during the year with sponsored
application received from your overseas branches,
subsidiaries and joint ventures on behalf of the domestic
branches.
Other Initiatives

Your Bank vigorously followed up with NRIs and

assisted branches in cleansing database for KYC
compliance under the RBI observation.
Shri S.S. Mundra, CMD, and other dignitaries during Export

Risk Management Conclave organized at Indore
i) Credit demand from corporates remained subdued for

a number of reasons such aso Lowest GDP growth rate in a decade.
o Delayed Policy/administrative decisions on various
projects.
o Specific delays in clearance of infrastructure
projects for different reasons.
o Uncertain policy environment
o High input price inflation & interest rates
o Volatile exchange rate movement in H1, FY14
ii) Balancing between lending appetite and worsened
asset quality
Against this backdrop, your Bank has been cautious and
careful in garnering new business/ sectors for augmenting
credit growth. Yet, the fast track desk of your Bank
established 146 new relations during FY14. Its Large and
Mid Corporate segments accorded fresh sanction/ increased
credit facilities to the tune of over Rs 96,000 crore during
FY14.
The objective of harnessing growth in corporate credit
through creation of Corporate Financial Services branches
and Mid Corporate branch model, has been successful.
Together, these branches have contributed nearly Rs
1,00,000 crore of assets representing 36% of your Banks
outstanding domestic credit.
Your Banks Large and Mid Corporate segment collectively

contributes more than 50% of its domestic credit portfolio.
While according credit sanctions, your Bank continued to

ensure the benchmark of due diligence, appraisal standard,
compliance and governance to maintain the asset quality.
Total non food gross advances of your bank registered
a growth of 21.88% from Rs 2,24,035.82 crore (as on
31.03.2013) to Rs 2,73,060.13 crore (as on 31.03.2014).
The growth in credit of your Bank was higher than the
industry average.
The FY14 was a challenging year for the Indian banking

sector as elucidated in the earlier section on Economic Scene
in FY14. Given below are some of the specific challenges
faced by the Banks Corporate Lending division during FY14.
Innovation & new initiatives are the hallmarks of progress

in any industry. Your Banks Large Corporate and Mid
Corporate departments also undertook the following novel
initiatives during FY14.
Your Bank initiated efforts for rejuvenation of Dormant

accounts.
Wholesale & Mid Corporate Banking
75
2013-14
o A new product christened as Top Up Facility was

introduced looking to the requirement of timely
sanction of working capital requirements for the
corporates.
o Features of existing products were reviewed and
revisited to make more competitive. The products
included Corporate Loan, Bid Bond Guarantee,
Loan Against Future Rent Receivables etc.
o Interest rate structure was rationalized to make it
one of the best in the industry.
o As a strategic business decision, your Banks
Project Finance Department was hived off
and merged with Baroda Capital Markets Ltd.
Baroda Capital Markets Limited will now carry
out Techno Economic Viability Studies of the
projects, arrange funds for Corporates by way of
Syndication of Bank Loans etc. Baroda Capital
Markets Ltd has a dedicated team of professionals
comprising Engineers, Finance Professionals,
and experienced groomed credit officers. Another
objective was also to augment their fee income
through extending project appraisal services in
the market to undertake TEV study of projects.
o Turnaround time of credit delivery was significantly
reduced.
Your Banks human capital has been playing a crucial role
in accomplishing the aforesaid objectives. Recruitment of
professionals viz. CA/ ICWA/ MBA was made during the year
FY14 to replenish & reinforce the stock of human capital.
It may be noted that your Bank focused on grooming of
its credit & FX officers by according it the topmost priority.
Retail Credit
Growth under Retail Lending

Your Banks Retail Loan Book consists of five key products
viz. Home Loan, Auto Loan, Education Loan, Traders Loan
and Mortgage Loan, which constituted 79.31% of total Retail
Loans as at end-Mar, 2014.The other products namely
LABOD/ODBOD constituted 17.91% of the Banks total
retail loan.
The other retail loan products like Baroda Personal Loan
and other miscellaneous products viz. Doctors Loan, Loan
against Government securities etc., constituted 2.8% of
Retail Loans.
Union Finance Minister, Shri. P. Chidambaram along with

Shri. V. Sreedharan, GM during the Education Loan Mela
at Karaikuddi, Kerala
Total Retail Loans stood at Rs 46,019 crore as on 31st

March, 2014 as against the level of Rs 38,046 crore as
on 31st March, 2013. Absolute growth of Rs 7,973 crore
(21.0%) was registered during FY14 as against a growth
of Rs 2,379 crore (6.7%) during the previous financial year.
Retail banking services continued to remain an important

business division of your Bank in FY14 as well. This division
focuses on meeting the financial needs of personal and small
business customers (traders) who are looking for accessible
and affordable banking services.
Growth under Five Key Retail Products
The performance of your Banks Retail banking division

during the year under review is as under.
Home Loans: Absolute growth of Rs 3,513 crore (21.9%)

was registered during FY14 as against a growth of Rs 1,911
crore (13.5%) during FY13.
Under five key products which constituted 79.3% of total

Retail Loans, an absolute growth of Rs 5,899 crore (19.3%)
was posted during FY14 as against Rs 4,412 crore (16.9%)
during FY13.
Auto Loans: Absolute growth of Rs 698 crore (23.7%) was

registered during FY14 as against a growth of Rs 512 crore
(21.1%) during FY13.
Baroda Traders Loans: Absolute growth of Rs 1,215 crore
(16.9%) was registered during FY14 as against a growth of
Rs 1,620 crore (29.1%) during FY13.
Baroda Mortgage Loans: Absolute growth of Rs 367 crore
(14.9%) was registered during FY14 as against a growth of
Rs 284 crore (13.0%) during FY13.
Shri S.S. Mundra , CMD and other dignitaries during the
inauguration of Property & Car Expo organized at Surat
76
Education Loans: Absolute growth of Rs 106 crore (5.4%)

was registered during FY14 as against a growth of Rs 86
crore (4.6%) during FY13.

NPAs under Retail Loans
Loan Campaigns were undertaken at different

points of time to boost the retail business. The
products for which such campaigns were undertaken
were - Additional Assured Advance (AAA), Future
Rent Receivables and Baroda Traders Loans,
Education Loans, Mortgage Loans, Auto Loans,
Baroda Home Loans, Baroda Traders Loans, etc.,
which helped in increasing the Banks overall retail
disbursements.
Your Bank strengthened the Tie-up arrangements

with Maruti Suzuki Ltd & others like Mahindra &
Mahindra, Tata Motors, Force Motors and Honda
Cars India Ltd.
Your Bank opened five New Retail Loan factories

(RLFs) at Bharuch, Junagarh, Visakhapatnam,
Meerut & Moradabad taking the total strength of
RLFs to 45.
Your Banks Regions were actively involved in

Organization of Property and Car Expositions as
well as participation in local trade fairs as a business
supportive measure.
The initiative to send SMS messages/reminders to

retail Loan borrowers led to significant improvements
in recovery in these accounts.
The amount of Non Performing Assets (NPA) as on 31st

March, 2014 against your Banks Retail loans stood at Rs
901 crore (1.96%) as against the same level but a higher
per cent of 2.11% as on 31st December, 2013. The amount
of NPA as on 31st March, 2013 under Retail Loans was Rs
669.08 crore or 1.76% of gross retail loans.
Initiatives in Retail Banking During FY14

1. New Products Launched

A new Retail Asset product named as Vehicle Loan

Scheme for your Young Officers & Clerical Staff
was launched on 10th April, 2013 for purchase of four
and two wheelers, with maximum limit of Rs 3.50 lakh
and Rs 0.75/0.60 lakh, respectively. Another new
asset product styled as Baroda Traders Gold Card
scheme was also launched on 30th April, 2013 for the
existing Baroda Traders Loan borrowers. New Retail
Loan product Baroda Premium Personal Loan to
Salaried Employees with a maximum limit of Rs 10 lakh
was launched on 1st November, 2013. New Car Loan
scheme Baroda Car Loan to NRI/PIO was launched
on 4th December, 2013. Special Education Loan for
students of Asia Pacific Flight Training Academy
was launched on 9th October, 2013. Special Traders
Loan Scheme for Iron and Steel Traders in NCR
was another new product to the kitty of new products
launched during the year.
2. Product Modification

During the year, your Bank modified Baroda Additional

Assured Advance (AAA), a Top-up Home Loan Product,
by increasing the maximum limit from Rs 0.25 crore to
Rs 2.00 crore in addition to adding new features in the
scheme to facilitate more home loan borrowers to avail
the scheme. Maximum limit was also increased in the
existing product for traders Baroda Traders Loan
from Rs 2 crore to Rs 3 crore for Semi-urban and Rural
Branches and to Rs 4 crore for Metro/Urban branches
and under Baroda Mortgage loan from Rs 1 crore to Rs
3 crore.
The rates of interest were rationalized and made
attractive for various products like Baroda Housing
Loan, Loan against Future Rent Receivables,
Baroda Mortgage Loan, Baroda Education Loan and
Loan/Overdraft against Banks own Fixed Deposit
Receipts, during the course of the year FY14.
3. Other Business Initiatives

Your Bank regularly disseminated information

amongst its employees on various retail product
features, which included products like Home Loan,
Traders Loan, Auto Loan, Education Loan and
Mortgage Loan, etc. Your Bank published a booklet
(in both Hindi and English) entitled as Retail Loan
Guide Ready Reckoner for its staff members.
2013-14
Wealth Management Services

In order to cater to the various investment needs of its
customers, apart from seamless banking, your Bank is
offering Wealth Management Services since the past
ten years. For this, your Bank has entered into tie-up
arrangements with various companies for offering products
like Life Insurance, Non-Life Insurance, Mediclaim, Mutual
Fund, Online trading etc. The two JV (Joint Venture)
companies of the Bank, one in Life Insurance and the other
in Mutual Fund business, is showing steady growth over
the years. Apart from distributing the products of these
companies, the products of tiup partners are also being
distributed through the Banks pan Indian branches.
In order to offer more qualitative Wealth Management
Services to the customers, your Bank has enabled India
First Life Insurances (IFLI) renewal Insurance premium
collection through ATMs and fund collection module for
Baroda Pioneer Mutual Fund. On the occasion of your
Banks 106th foundation day, the Banks Chairman and
Managing Director unveiled IndiaFirst Health Card. This
card is introduced with a view to provide cash less benefits,
to the card holder, at empanelled hospitals through Point
of Sale (POS) Machines.
During the year FY14, your Bank gave added focus to the
installations of POS machines at Merchant establishments
with a view to improve its Current Account portfolio. This
indeed generated good results and your Bank doubled its
POS numbers in a years time across the Merchant locations.
Apart from the E-Trading tie up with India Infoline Ltd., your
Bank, through its wholly owned subsidiary BOB Capital
77
2013-14
Market Ltd., is offering Online Trading Facility (OLT)

Bobetrade- to its customers. A modified trading platform
with added features is going to be launched soon which will
help your Bank in attracting and retaining its retail customers.
As a Self Certified Syndicate Bank (SCSB) by SEBI, an
additional mode for applying in IPO/FPO/Right Issues and
NFO of Mutual Funds is made available by your Bank in
the form of Application Supported by Blocked Amount
(ASBA) to all category of investors who are customers of
your Bank. Your Bank has enabled 655 centres for accepting
Syndicate ASBA applications.
Your Bank is always committed to provide more personalised
services to ensure customer delight and will move forward
in the same direction in the years to come.
crore on the same footing as MSME units. This is done

internally to give preferred attention to this expanded sector
along the lines of regulatory MSME enterprises.
However, for reporting to regulators, the performance of
your Bank is reckoned on regulatory lending i.e. to units/
borrowers who comply strictly with definition of Micro, Small
and Medium Enterprises.
It may be noted that during the year FY14, the performance
of your Bank under the regulatory category of MSME
business has been very encouraging despite the overall
slow-down in the economy.
MSME Business
The micro, small and medium enterprise (MSME)
sector is crucial to Indias economy. A recent IFC study
onMSMEfinance in India indicates there are 29.8 million
enterprises in various industries, employing 69 million
people. This sector accounts for 45% of Indian industrial
output and 40% of exports. Although 94% of micro, small
and medium firms are unregistered, the contribution of the
sector to Indias GDP has been growing consistently at
11.5% annually, which is much higher than the average
GDP growth of the nation.
Considering the importance of the MSME sector to
Indian economy and to facilitate this business, your Bank
rationalized interest rate structure for MSME borrowers
in June 2013. Your Bank comfortably achieved all the
regulatory targets pertaining to this segment during FY14.
Moreover, your Bank has a rich set up of 52 SME Loan
Factories (SMELFs), which sanctioned loans to the tune
of Rs 19,999 crore during the financial year under review.
Shri S.S. Mundra, CMD and other dignitaries during the

Ultra and Small Enterprise Loan Mela organized at Lucknow
Growth of MSME Business

The total outstanding in MSME Sector works out to Rs
57,426 crore as on 31st March 2014. The growth in lending
to MSME Sector during the last three years is given in the
table below.
Year
Growth
(%, YoY)
2011-12
26.11%
2012-13
30.31%
2013-14
21.21%
Major Achievements in FY14

The MSME advances of Rs 56,634 crore as of

end-Mar 2014 reflected a growth of Rs 9,912 crore
(21.21%) over the MSME advances in the previous
year.
The advances of Rs 27,756 crore to Micro

Enterprises in the total credit of Rs 40,873 crore
to MSE sector (as of the previous year) stood
at 67.90% in FY14, comfortably reaching the
mandatory target of 60.0% fixed by the RBI.
The MSME advances as on 31 st Mar, 2014

contributed 20.16% to the gross domestic advances
of your Bank.
The advances to Micro & Small enterprises

reached the level of Rs 50,300 crore as against

Meeting of SME Loan Factory Heads with CMD at Anand
Region
In addition to the MSME units under the regulatory

category, your Bank also considers financing the units in
manufacturing and services activity which have investments
in plant & machinery and equipments, respectively, in excess
of regulatory guidelines and have turnover up to Rs 150
78

the Government set mandatory target of Rs 45,900
crore by end-Mar, 2014.

Your Bank introduced a New Product named as

MSME Capex Loan and Capex Card during FY14
to further promote its MSME business.
Initiatives in MSME Financing during FY14

Your Bank reduced the spread in the rate of interest
charged to the MSME borrowers to encourage
investment spending.
Your Bank approved scoring type credit rating
model for small value loans worth Rs 2 lakhs up
to Rs 2 crore.
Your Bank held the SME conclave with Heads of
SME Loan Factories in the months of June and
October 2013 to deliberate on the issues pertaining
to MSME businesses.
Your Bank celebrated MSME Festival from 1st
November 2013 to 28th February 2014.
Your Bank arranged MSME Round Table conference
at Nasik, Indore, Rajkot and Coimbatore.
Your Bank aggressively focused on collateral free
lending under the CGTMSE scheme.
Your Bank participated in several exhibitions,
seminars, etc., to build its Brand image.
Besides this, your Bank introduced MSME CAPEX LOAN
and CAPEX CARD for MSME borrowers. It financed units
in Hosiery industry in Kanpur Region and leather & leather
products in Kanpur and Agra regions. It financed Tea
Processing units in West Bengal and Sikkim regions. It
extended financial support to units engaged in Rerolling
mills, Machine Tools and Textile printing activity across the
country. It financed units engaged in manufacturing of Hand
Tools & Sports goods in Punjab-Jamu-Kashmir Region. It
financed Hotel/Motel/Resorts in Haldwani and Deharadun
regions. It financed agro-based units across the nation. It
entered into MOU with Mahindra Trucks & Buses P. Ltd.
under its scheme for financing Road Transport Operators for
purchase of commercial vehicles manufactured by various
commercial vehicle manufacturers. It also entered into MOU
with Development Commissioner, MSME for Technology
up-gradation and for providing quality support to MSMEs
with respect to energy efficient projects.
Under its MSME segment, your Bank has various Area
Specific Schemes for certain pockets, where there is a
concentration of units with same or similar activity and with
good business potential. These schemes have yielded
satisfactory results for your Bank. The cluster development
is also being undertaken with lead district branches having a
larger role to play in the ensuing year. Furthermore, directed
programmes of the Government of India, particularly the
Weavers Credit Card (WCC) and lending under Prime
Ministers Employment Generation Programme (PMEGP)
received focused attention during the year FY14.
2013-14
In particular, your Bank renewed the following area-specific

schemes during the year FY14.
Financing of Marble units in Rajasthan.
Financing of Textiles units on pan India basis.
Financing of Brass Manufacturing Units in
Jamnagar, Junagadh & Kutch Region.
Financing of collateral free loans/educational
loans to persons with disabilities promoted by
National Handicapped Finance and Development
Corporation.
Financing of three-wheelers manufactured by
Piaggio Vehicles Pvt. Ltd.
Rural and Agricultural Lending

Your Bank has always been a frontrunner in the area
of Priority Sector and Agriculture lending. It has been
harnessing the vast potential of the rural market through its
wide network of 1,781 rural branches and 1,267 semi-urban
branches. Even during FY14, your Bank opened 453 new
branches in rural and semi-urban areas.
Your Bank is the proud Convener of State Level Bankers
Committee (SLBC) in the states of Uttar Pradesh
and Rajasthan. Your Bank shoulders the Lead Bank
Responsibility in 48 districts in the states of Gujarat (14),
Rajasthan (12), Uttar Pradesh (15), Uttaranchal (2), Madhya
Pradesh (2), Bihar (2) and Delhi (1).
Your Bank has sponsored three Regional Rural Banks
(RRBs) in three states with a network of 1,659 branches
and total business of Rs 33,169.55 crore as of March, 2014.
Performance of Priority Sector Lending in FY14

Priority Sector Advances of your Bank surged from Rs 80,003
crore as on March 2013 to Rs 90,488 crore as on March
2014 and formed 40.02% of the Adjusted Net Bank Credit
(ANBC) against the mandated target of 40.00%. The Direct
Agriculture advances of your Bank increased to Rs 22,117.51
crore over the previous year with an absolute growth
of Rs.1,609.39 crore (7.85%) during the year. The total
agriculture advances of your Bank has grown by Rs 768.76
crore and reached Rs 28,431.92 crore as at end-March 2014.
The growth remained marginal due to the impact of revised
guidelines of Priority Sector Lending issued by Reserve
Bank of India made applicable from July 20, 2012 which
led to reclassification of a large number of accounts out of
Agriculture. Your Banks Direct Agricultural advances formed
9.78% of ANBC as of March 2014 against the mandated
target of 13.50%. The Total Agricultural Advances were at
12.57% of ANBC against the mandated target of 18.00%
(Recent guidelines of RBI dated 15.05.2014 would increase
the Total Priority Sector and Total Agriculture Advances to
41.22% and 13.93% respectively).
Under its flagship agriculture loan product Baroda Kisan
Credit Card (BKCC), your Bank issued as many as
2,47,796 Credit Cards during FY14 to provide credit to
79
2013-14
farmers across India. Baroda Kisan RuPay Card, an ATM

enabled smart Card, has been issued to 3,30,257 BKCC
holders for their convenience. Your Bank financed as many
as 2,95,743 new farmers during FY14 granting them loans
worth Rs 4,505.55 crore.
As a part of its microfinance initiatives, your Bank
credit linked 11,908 Self Help Groups by granting loans
amounting to Rs 198.03 crore during FY14 thereby taking
the total number of SHGs credit linked to 1,83,566 with an
outstanding loan amount of Rs 1,670.57 crore.

National Pilot Agri Loan Factory launch at Himatnagar, Gujarat
Business and Social Initiatives

Your Bank undertook various initiatives during FY14 to
harness the emerging opportunities in rural and agriculture
lending. Some of them are mentioned below.

training the youth and imparting them knowledge and

skills required for taking up self-employment ventures.
During FY14, around 33,974 youth beneficiaries were
trained at these centres, out of which 22,297 have
established self-employment ventures. Out of the total
1,92,247 beneficiaries trained by these centers so far,
1,20,979 have successfully taken up their own self
employment ventures.

Your Bank has established 46 Financial Literacy

Centres (FLC) across India, christened as SARATHEE
to impart financial literacy and credit counseling services
to the needy to help them avail financial services from
the banking system and also to provide counseling
services to those under financial distress. Your Bank
has opened these centers under the patronage of its
BSVS Trust and free services are provided to all by
these centers.
Your Bank has also opened a Micro Loan Factory at

Raebareli and Sultanpur in U.P. The Micro Finance Loan
Factory has a mobile van with facilities and all related
documents on SHG financing. It is manned by officers
who are duly authorised to sanction and disburse loans
up to Rs 25,000 to SHGs on the spot and at their door
steps.
Performance of RRBs Sponsored by your Bank

At present, there are three RRBs sponsored by your Bank:
Baroda Uttar Pradesh Gramin Bank, Head Office:
Raebareli.
To augment the Agriculture advances, your Bank

conducted special campaigns viz. Kharif and Rabi
campaign for crop loans under which the disbursements
of Rs 5,585.67 crore and Rs 2,850.40 crore, respectively,
were made. Another Campaign for Investment Credit
was also undertaken, in which disbursements of Rs
897.84 crore were made.
Baroda Rajasthan Khetriya Gramin Bank, Head Office:

Ajmer.
Your Bank has identified 466 Thrust Branches across

India to boost Agriculture lending. These branches
contributed 35.95% of the total Agriculture outstanding
of the Bank as at 31st March 2014.
These three RRBs together posted a Net Profit of Rs 289.40

crore during FY14 as against Rs 97.06 crore earned during
FY13.
Your Bank formulated various Area-specific Schemes

which are tailor-made to cater to the needs of the
local farming community, with various freebies like
concessions in rate of interest & charges etc. Twelve
such schemes to accommodate the varied needs of
farmers were approved and implemented during the
year under review.
Your Bank launched Agriculture Loan Factories for

bettering customer service and improving the volume
and quality of the Banks agriculture advances. Three
such pilot factories have started functioning in Mehsana
in Gujarat, Bareilly in U.P and Muzaffarpur in Bihar.
At present, your Bank has 47 Baroda Swarojgar Vikas

Sansthan (BSVS), Baroda R-SETI Centers across India
80
Baroda Gujarat Gramin Bank, Head Office: Bharuch.

The aggregate business of these three RRBs rose to
Rs 33,169.55 crore as of March, 2014 from Rs 29,284.23
crore as at end-March, 2013, registering a growth of 13.27%.
The Net Worth of all these RRBs put together improved

from Rs 1,234.42 crore at end-March, 2013 to Rs 1,523.82
crore at end-March, 2014 and their Reserves and Surplus
improved from Rs 777.52 crore at end-March, 2013 to
Rs 1,066.92 crore at end-March, 2014, respectively.
Advances to SC/ST Communities during FY14

The outstanding advances granted by your Bank to SC/ST
communities have been growing healthily year after year.
This is evident from the fact that the outstanding advances
granted to these beneficiaries went up from Rs 4,712.66 crore
as at end-March, 2013 to Rs 6,160.30 crore as at end-March,
2014. In fact, the SC/ST communities accounted for a share
of 29.90% in the total advances granted to weaker sections
by your Bank during the year under review. Furthermore,
a special thrust is laid by your Bank in financing SC/ST

under various government sponsored schemes namely
National Rural Livelihood Mission (NRLM), Swarna
Jayanti Shahari Rojgar Yojana (SJSRY), Prime Minister
Employment Generation Programme (PMEGP), etc.
Baroda Swarojgar Vikas Sansthans (BSVS) have also
been giving due preference to SC/ST communities while
selecting the trainees. It is heartening to indicate that so
far, these centres have trained 72,365 youths under the
SC/ST category.
Banks Committed Efforts at Financial

Inclusion (FI)
Financial Inclusion is delivery of banking services at an
affordable cost to the vast sections of disadvantaged and
low income groups. The Financial Inclusion Plan aims at
providing easy access to financial services to those sections
of the society who are deprived of it so far at affordable
cost thereby bringing them into the mainstream financial
sector. Implementation of Financial Inclusion is not a new
concept for your Bank. Financial Inclusion activities are
being implemented by your Bank since inception through
various government-sponsored programmes, lending to the
poorest of the poor, lending to the minority communities,
lending to SC/ST, lending to priority sectors, etc. However,
the RBI formalized the concept of Financial Inclusion in
2005, when it permitted rendering of banking services
through Business Correspondent (BC) channel. It then
advised all commercial banks in the year 2010 to submit
Board-approved Plan for providing banking services in
rural unbanked areas under Financial Inclusion.
Shri K.C. Chakrabarty, Deputy Governor, Shri S.S. Mundra,

CMD and Shri Kishor P. Kharat , GM during the Inauguration
of Kiosk Centre at Varanasi under Financial Inclusion
As desired by Government of India and directed by

the RBI, your Banks Board had approved a Financial
Inclusion Plan (FIP) for implementation by your Bank
within a period of three years commencing from 201011. The plan had envisaged covering 20,000 villages in
a span of three years under Financial Inclusion utilizing
various technology based initiatives. Thereafter, Ministry
of Finance and RBI advised your Bank to cover the
villages having population above 2,000 by March 2012.
Accordingly, your Bank was allotted 2,855 villages which
are covered well within the timelines.
2013-14
Thereafter, the RBI advised all banks to provide banking

services to all villages within the service area of the specific
bank in three years i.e. 2013-14 to 2015-16. Accordingly,
your Banks Board approved disaggregated FIP for all 21,526
service area villages of the Bank to be covered in three years,
i.e., up to March 2016. As per the Board approved FIP, the
year-wise target for coverage of service area villages is
11,124, 16,324 & 21,526 during 2013-14, 2014-15 & 2015-16,
respectively. Your Bank has already surpassed the annual
target of village coverage well ahead of its timeline. Almost
all other parameters of Annual Targets set in disaggregated
FIP for March 2014 have also been achieved.
Models used by your Bank for FI

Your Bank has adopted various models for providing banking
services under financial inclusion such as:

ICT (Information & Communication Technology) based

BC model
POS (Point of Sale/Service)
Kiosk
Mobile Van
Brick & Mortar Branches
Information and Communication Technology (ICT)

based Business Correspondent (BC) model: POS based
BC Model
This solution is based on Application Service Provider
(ASP) model with smart cards based technology for financial
inclusion. Under this model, Business Correspondents are
appointed by banks through service providers who are
provided with point-of-service (POS) devices, using which,
they carry out transactions for the smart card holders at their
doorsteps. The customers can operate their accounts using
their smart cards through biometric authentication. In this
system, all transactions processed by the BC are online real
time basis in CBS of the bank. The POS devices deployed
in the field are capable to process the transactions on the
basis of a Smart Card, Account number (card less) and
Aadhaar number (AEPS transactions). The BC is moving
into the cluster of villages allocated to him/her on a predetermined day and time for providing banking services at
the doorsteps of the habitants.
KIOSK BC Model
It is a web-based application that can be accessed through
internet connectivity on laptop or desktop by authorized
individuals. The CSC e-governance Service India Ltd,
FIA Technology Services Pvt Ltd and Geosansar are
appointed as BCs for providing banking services in the
villages allocated to the Bank as well as for implementation
of Urban Financial Inclusion. This is a card less solution;
account holder can operate the account on the basis of
account number as well as Aadhaar number. The Kiosks
are connected with your Banks CBS through web-based
connectivity from the computer system/laptop of the kiosk
operator. The transactions are processed through biometric
81
2013-14
authentication on online real time basis. As on 31st March,

2014, your Bank covered 7,525 villages through 2,780 Kiosk
centers and also established 1034 urban kiosk centers
across the country.
Mobile Van
The customized vehicle (van) is specifically designed for
the purpose of banking activity. The exterior of the van is
covered with the Bank advertisements and information about
products offered by the Bank in rural areas. Thereby, it is also
an advertising media for your Bank in rural segment. The
van is equipped with computer hardware and connectivity to
access the CBS. The Bank staff is deployed on the van to
provide banking services in the villages. The van is moving
into the cluster of villages on predetermined days and time
which are in proximity to the existing branches, for providing
online banking services. The banking services are being
provided during fixed days in a week. At present, 15 mobile
vans have been deployed for catering financial services
to 211 villages in the states of Uttar Pradesh, Rajasthan,
Gujarat, Uttarakhand, Bihar and Goa.
Brick and Mortar Branch
The brick and mortar branches are opened in a comparatively
bigger village having the potential and viability. Such centers
are identified during the course of finalization of the Banks
branch expansion plan. As per the Banks FIP, 1,772 rural
branches have been opened as against a target of 1,554 for
the current financial year. Your Bank had annual target for
opening 334 branches in un-banked rural area as per the
disintegrated FIP submitted to the RBI, which is comfortably
achieved by opening of 430 branches in FY14.
New Initiatives of bank under Financial Inclusion

Kiosk banking Model
The Kiosk banking model was launched by Shri S.S.
Mundra, Chairman & Managing Director, by virtually
inaugurating 1,000 Kiosks on the 106th foundation day of
your Bank i.e. 20th July 2013. Your Bank has arrangements
with Common Service Centers (CSCs) to avail their
services as Business Correspondent of your Bank for
running the Kiosk centers. The common service centers
are ICT enabled front end service delivery points at the
village level and urban centers for delivery of government,
financial, social & private sector services in the areas of
agriculture, health, education, entertainment, banking,
insurance, pension, utility payments, etc. Your Bank has
also engaged other service providers for similar banking
Kiosks in urban/rural centers. These Kiosks would be
connected with the CBS of your Bank through web-based
connectivity from the computer system/laptop of the kiosk
operator.
Urban Financial Inclusion
The rural inhabitants have largely remained the focus of
the financial inclusion efforts since, a large proportion of
the villages are still unbanked. Besides people living in
rural and far flung areas, urban poor still have no access to
82
formal financial products and services like savings, credit,

remittance and insurance, forcing them to depend on
usurious informal sources to meet their personal, health,
and livelihood-related needs. Many of those are normally
migrant labors, hawkers, slum dwellers from rural areas
that generally leave their villages for livelihood. In order to
cover them under financial inclusion, the Government of
India has started campaign in all states through SLBC fora
to bring these vulnerable groups under mainstream financial
system. Your Bank has introduced urban kiosks at various
locations across the country. Shri S.S. Mundra, Chairman
& Managing Director launched urban kiosk at Abgaonkala
in Harda district of Madhya Pradesh on 19th January 2014.
As on 31st March 2014, your Bank set up more than 1,000
urban kiosk at various locations across the country.

Financial Inclusion program at Harda District of Indore Region
Products Offered under Financial Inclusion

Basic Savings Bank Deposit Account with in-built
OD Facility
This product is specially devised for individuals from
Financial Inclusion villages as per the RBI guidelines. The
account can be opened without depositing any amount
which doesnt attract any penalty and will be opened through
BC. These accounts can be operated through business
correspondents as well as at the branches. Inbuilt overdraft
facility up to Rs 10,000 is available under the scheme.
Overdraft of Rs 250 can be availed immediately on opening
of the account by the customer and availability of higher
amount of overdraft up to Rs 10,000 is performance linked.
Recurring Deposit (RD) Account

This is money back RD facility duly designed for financial
inclusion account holders to provide liquidity. The product
offers money back facility, at the end of six months, an
amount equivalent to 50.0% of the outstanding credit
balance in the account can be paid back as per the
requirement of depositor.
Baroda Kisan Credit Card (BKCC)
This product is for farmers which covers their needs like
production credit, investment credit, personal loan needs
as well as consumption needs. It is flexible in utilization of

the limit as he can utilize the limits as per his requirements
during the year.
Baroda General Credit Card (BGCC)

The BGCC is implemented through all the branches of your
Bank. The credit facility offered under the scheme would
include working capital and term loan requirements of the
entrepreneurs.
Baroda Swabhimaan Suraksha (Low Premium
Insurance)
Your Bank has introduced life insurance product with low
premium for financial inclusion customers in coordination
with India-first Life Insurance Company. An insurance cover
of Rs 5,000 to Rs 50,000 is available at premium of Rs 20.88
per thousand for five years.
Financial Literacy Key to Successful Inclusion

The desired objective of Financial Inclusion can be achieved
only when we are able to generate equal responses from
the villages. In order to invoke responses amongst villagers,
there is a need to educate them on various banking
facilities and its benefits to them. In other words, financial
literacy would be the key for success of financial inclusion
initiatives of the bank. Therefore, all constituents of FI need
to develop a bond with each other for not only to provide
banking facilities, but also to create a massive awareness
of banking and banking products amongst the population
through Financial Literacy, wherever implementing
Financial Inclusion programme. Your Banks link branches
are arranging Financial Literacy campaign by conducting
meetings and addressing the habitants in different forums.
Inauguration of Picture Books related to Financial Inclusion

by Shri S.S. Mundra, CMD
Your Bank has taken the following major initiatives towards

financial literacy in rural parts of the country.
Baroda Swarojgar Vikas Sansthan (Baroda RSETI) is a
trust formed by the Bank way back in 2003 for undertaking
skill building activities for unemployed rural youth and
providing hand holding support to them till their settlement
in their venture. Your Bank has established 47 such centers
all over the country. During FY14, around 33,974 youth
beneficiaries were trained at these centres, out of which
22,297 have established self employment ventures. The
settlement ratio of candidates trained to candidates settled
2013-14
in business works out to 65.63%.

Around Forty six Financial Literacy & Credit Counseling
Centres (FLCCs) SAARTHEE are operational across
the country. Since inception, around 19,731 individuals
visited FLCCs of which in 10,460 cases, the issues were
resolved.
Around Fifty two Baroda Grameen Paramarsh Kendras
facilitate financial education, credit counseling, information
sharing and problem solving on technical issues, synergy
& liaison with other organizations for value added services
and development activities in rural areas.
Mobile Micro Finance Loan Factory has been established
with a vision to provide credit and banking facilities to SHGs
at their doorstep under the SHGBank linkage program,
ensuring hassle free and prompt credit delivery within
maximum of four days & hassle free credit to the SHGs.
BYST-BoB Entrepreneurship Development Programme
(BYST) provides end-to-end support to disadvantaged
young dynamic micro-entrepreneurs in the form of Loans,
Business Mentors, Training, Networking and Marketing.
Direct Benefit Transfers (DBT)/Direct Benefit

Transfer for LPG Subsidy (DBTL)
The Government of India as well as State Governments
give various subsidies, Pensions, scholarships, MNREGA
Payments etc to the beneficiaries under various government
programs. Many of these were given through cash
distribution systems. Considering the present inefficiencies
in the system, the respective government departments
have planned to deliver these kinds of payments through
electronic mode by way of direct credit in the accounts
of the beneficiaries. There are 34 government schemes
identified as of now for DBT payments. At present, the
government has rolled out DBT in 121 districts. Besides this,
the Government of India also has decided to give subsidy
on LPG gas cylinders to domestic users directly through
DBTL scheme as against indirectly to producers. The DBTL
scheme was rolled out in 291 districts in phased manner
since July 2013. It is expected that DBT/DBTL system
would be able to reduce the pilferages and inefficiencies in
distribution systems, thereby benefiting the government as
well as the beneficiaries. Your Bank has developed Aadhaar
linking facility with the account of the customers for roll out
of DBT/DBTL. Your Bank had organized camps for seeding
of Aadhaar and opening accounts of the beneficiaries in the
districts identified for DBT/DBTL. Your Banks branches
are approaching DBTL beneficiaries residing within their
vicinity for seeding of Aadhaar and opening of accounts
of beneficiaries who do not have bank account in all the
districts identified for roll out of DBTL.
Highlights of the Banks Performance under

Financial Inclusion in FY14

Your Bank covered 14,161 villages against a target of

11,124.
83
2013-14
Your Bank opened 74.66 lakh Basic Savings Bank

Deposit Account against target of 63.74 lakh, out of
which 18.71 lakhs accounts were opened through the
Business Correspondents.
The balance outstanding in the Basic Savings Bank

Deposit Account of your Bank is around Rs 1,918 crore.
Your Bank sanctioned overdraft of Rs 11.31 crore as

against a target of Rs. 6.22 crore in Basic Saving Bank
Deposit Account.
Your Bank opened 2,584 Ultra Small Branches (in

villages with population above 2,000) to strengthen
functioning of BC model.
Your Bank approved a disaggregation plan up to the

branch level to implement its FIP for 21,526 villages
by March 2016.
Your Bank launched its Urban Financial Inclusion

drive by opening more than 1,000 Kiosk at various
locations in metro and urban centers across the country.
Also, your Bank surpassed all targets set under

disaggregated FIP for FY14.
International Operations
In the year 2013-14, the world economy continued to
experience subdued growth. While the protracted recession
in the euro area has finally ended, the growth in the United
States strengthened to some extent. A few large emerging
economies, like India, managed to backstop the deceleration
they experienced in the past two years and moved upwards
moderately. Your Bank continued to make a mark in the
international arena by staying strong and resilient to the
global environment. The International Operations of your
Bank maintained a healthy growth in business as well as
profitability.
Bank further spread its presence in UAE, Tanzania and

Uganda by opening an additional branch in each of these
three countries.
Business & Profit Performance

During FY14, the Total Business of your Banks overseas
branches registered a growth of 33.3%. While Customer
Deposits increased by 33.2%, Total Deposits by 43.6% and
Advances by 20.2%.
During FY14, International Operations of your Bank
contributed a sizeable 32.6% to your Banks global business.
Shri S.S. Mundra, CMD during his official visit to Uganda

met the Governor of Bank of Uganda Mr. T.E. Mutebile.
Total Assets
Total Assets of your Banks International Operations
showed a healthy growth of 39.1% having increased from
Rs 1,66,460 crore as of Mar, 2013 to Rs 2,31,552 crore as
on Mar, 2014.
Profit
In the period of subdued growth and pressure to maintain
the margins, your Bank was successful in maintaining its
gross profit for the year FY14 in line with the previous year.
This is due to the proactive measures taken by the overseas
territories and adaptability to changing scenarios. The Net
Profit had a growth of 22.2% during the year.
Contribution of international operations to the Banks global
Net Profit was at 25.4%.
Asset Quality in Overseas Operations

Shri S.S. Mundra, CMD and other officials during the release
of Business Policy Guidelines 2013-14 for International
Operations at Mumbai
Asset quality is one of the most critical areas in determining

the overall health of a bank. Your Bank has an efficient credit
monitoring mechanism at the overseas centers to ensure
the quality of the loan portfolio and the credit administration
programme.
Your Bank retained its market position as one of the leading

Indian banks in providing services to the customers across
the globe. The overseas centers continued to synergize
and work as a team for making most of the opportunities
in the international market. New initiatives were taken in
IT infrastructure for enhancing customer satisfaction. Your
Due to the global slowdown in the recent years, all sectors

of the economies across the globe have been impacted
thereby increasing the importance of maintaining strong
asset quality. The stressed and restructured accounts are
being monitored in your Banks overseas territories on a
continuous basis.
84

Net Advances during FY14 increased by 20.2% over the
level of previous year. Your Bank has put in best efforts
to maintain the quality of assets, as the Gross NPAs of
International operations as per cent to Total Advances of
International Operations was 1.57% as on Mar, 2014 versus
1.37% as of Mar, 2013.
Your Banks International Presence

Your Banks international presence covers 24 countries
through its 102 branches/offices as under:
Particular
Number
Banks Overseas Branches/ Offices
60
Banks Representative Offices
Branches of Banks Overseas Subsidiaries
41
TOTAL
102
2013-14
The overseas expansion is considered in line with the various

directives issued from Ministry of Finance, Government of
India regarding overseas expansion of Public Sector Banks
of India.
Syndication Centres in Overseas Operations

Your Banks Global Syndication Centre at London and
Regional Syndication Centres at Dubai and Singapore
specially focus on the business of Syndication Loans
in International Market. Your Bank has also set up an
International Merchant Banking Cell (IMBC) at Corporate
Office, Mumbai, which mainly caters to the requirements of
Indian corporates and also supports the regional syndication
centres to canvass business from Indian corporates who
are in need of foreign currency resources. Your Bank is
an active player in the Syndication Loan Market and also
participates in loan origination.
The Bank also has following Joint Ventures/ Associates:
Products and Services in Overseas Business
1. Indo Zambia Bank Ltd., Zambia having 25 branches.
Your Bank has customized products and services according

to the local needs for each country of operation. Your
Bank provides state of the art products and services in
the international market to suit the business needs of the
international market.
2. India International Bank (Malaysia) Bhd., Malaysia

having one branch.
Overseas Expansion in FY14

During FY14, your Bank opened three new overseas
branches/offices. An Electronic Banking Service Unit at
Shabiya, UAE was also made operational during the year.
Moreover, two branches of the subsidiaries were opened at
Kariakoo in Tanzania and Kololo in Uganda.
The single Core Banking Solution at all the overseas

branches and subsidiaries of your Bank facilitates
introduction of new products and services and helps in
carrying out modification/improvement in line with the
requirements of customers in the country of operation.
Technology in Overseas Territories

The number of ATMs at overseas Territories and
subsidiaries increased to 91 (55 on-site and 36 off-site)
as on 31st March, 2014 from 89 (54 onsite and 35 offsite)
as on 31st March, 2013.
Debit Card/ATM card issuance is implemented in
ten overseas territories/subsidiaries out of which four
territories/subsidiaries are having tie-ups with Global
Payment Technology Company M/s VISA. Furthermore,
VISA accreditation is in progress for Oman territories
and Guyana, Uganda, Kenya subsidiaries.
Shri S. S. Mundra, CMD is seen inaugurating Bank's new

EBSU at Shabiya, Abu Dhabi, UAE
Future Plans for Overseas Business

With a view to consolidate operations and improve/protect
the market share, your Bank has further plans for expansion
in upcoming centers in the countries where your Bank is
already present. Your Bank also has plans to enter new
countries offering opportunities for profitable growth of
business.
Necessary infrastructure is being created for further
expanding the network in UAE, UK, Kenya, Tanzania and
Ghana.
Many of the territories/subsidiaries are moving

to chip-based debit cards. The EMV (chip cards)
implementation in UAE territory has been completed
and implementation in Oman and Mauritius territories
is in progress.
Internet banking (Baroda Connect) is implemented in 14
overseas territories/ subsidiaries. viz 1.UAE, 2. United
Kingdom 3. Oman, 4. Mauritius, 5. Fiji 6.Seychelles,
7. Australia (View) 8.Kenya, 9.Uganda, 10.Botswana,
11.New Zealand, 12. Ghana. 13. Tanzania (View
Based) 14. USA (View Based). The USA territory has
been added in this financial year and internet banking
implementation is in progress for Trinidad & Tobago
and Guyana Subsidiaries and will be made live in the
next financial year.
85
2013-14
Fraud Management Solution (2FA) has been

implemented in internet banking of New Zealand,
UAE, UK, Uganda, and Kenya and compatibility of
e-banking in Smart Phones has also been enabled for
these territories/subsidiaries. The FMS implementation
in progress for Botswana, Fiji, Oman, Mauritius,
Seychelles and Ghana territories/ subsidiaries.
Implementation of Centralized SWIFT activity for
all territories/subsidiaries (except USA) has been
completed and operating from Data Centre. The US
territory has outsourcing agreement with M/s Fundtech
for processing of SWIFT activities.
The AML Erase (Batch mode) solution has been
implemented in Australia during the year FY14. The
AML Erase Solution is now available in all overseas
territories/subsidiaries except the US. The US territory
has outsourcing agreement with M/s Fundtech for online
AML and OFAC scanning. The offline transactions
checking are done through Prime Compliance suite.
The Global Treasury Solution is implemented in
DIFC Dubai in this financial year. Now GTP solution
is available at US, UK, UAE, Bahamas, Bahrain,
Hongkong, Singapore, Belgium and DIFC Dubai.
The Cheque Truncation & Automated Clearing House
implementation in Trinidad & Tobago, Seychelles and
Botswana is in progress.
Approach finalized for sending SMS alerts for all
transactions in international territories/subsidiaries.
Implementation is in progress for six territories/
subsidiaries. (Fiji, Guyana, Uganda, Botswana, China,
and Kenya).
In view of the end of technical support for Windows XP,
your Bank has initiated the process for Migration from
Microsoft Windows XP to Windows 7 for all PCs and
ATMs in its international territories/ subsidiaries.
Soft Launch of Internet Banking Services by Shri S.S.

Mundra, CMD at New York Branch
Risk Management in Overseas Operations

Your Bank has strong Risk Management Systems in place at
the overseas centers to deal with the additional risks in the
international banking scenario. Separate Risk Management
86
Department has been set up at overseas centres to deal

with Credit, Market & Operational Risks. Specialized Risk
Managers have been posted at the overseas centres.
The Basel II guidelines were implemented at all the overseas
territories with effect from 31st March, 2008 and your
Bank has adopted Standardised Approach for Credit Risk,
Standardised Duration Method for Market Risk and Basic
Indicator Approach for Operational Risk.
The BOB RAM Model for internal Credit Rating has been
implemented at overseas centres. It has further strengthened
the credit monitoring by capturing vital information related
to advances accounts.
The Special Model for Asset Classification and Credit
Monitoring has been implemented at all the overseas
territories of your Bank.
Regulatory Compliance in Overseas Operations

Your Bank has a reputation of being a Regulatory Compliant
Bank. Dedicated compliance teams are present at overseas
centers to ensure that stringent of the home/host country
regulatory norms are followed.
Well-integrated compliance setup ensures that compliance
issues of the Bank are handled in a timely manner. Your
Bank has posted officers at overseas centres whose skills
are continuously enhanced through trainings and other
avenues. Your Bank does not see compliance as merely a
regulatory requirement but a duty to protect the interest and
reputation of the Bank and its stakeholders.
The overseas territories/subsidiaries have the prudential
policies/manuals in varied areas of banking as per their
respective regulatory requirements, which are periodically
reviewed to ensure that they are in conformity with the
regulatory guidelines and requirements.
Treasury Operations
Your Bank operates its Treasury from a State of the Art
Dealing Room at Baroda Sun Tower at its Corporate Office
in Mumbai. This dealing room is well positioned to scale up
your Banks Treasury Operations and keep pace with the
latest developments in the market. Your Banks Treasury
handles domestic treasury operations and covers activities
in various markets i.e. Foreign Exchange, Interest Rates,
Fixed Income, Derivatives, Equity and other alternative
asset classes. A basket of financial products are offered
to Banks clients like interest rate swaps, currency swaps,
forwards and options facilitated by the advanced technology
platforms used by your Bank .
A sophisticated Automated Dealing System caters to
the needs of clients of Authorized Branches dealing in
foreign exchange transactions across the country. During
the financial year under review, your Bank successfully
implemented Global Treasury Solution, as part of Business
Process Re-engineering, at DIFC, Dubai.
During the summer of 2013, the market perception of potential
tapering of US Quantitative Easing triggered outflows from

Emerging markets across the Globe. Indian markets saw
major outflow of portfolio investments, particularly from the
debt segment causing yields to fluctuate sharply in the first
half of the last year. As a result of portfolio outflows from
Debt and Equity markets along with concerns over adverse
current account deficit, the Rupee depreciated to Rs 68.84 in
August 2013. To attract inflows into debt segment, the RBI
hiked Repo and the Marginal Standing Facility (MSF) rate
by 200 basis and made MSF rate at 10.25%, the operating
money market rate. The overall allocation of funds under
LAF Repo against surplus SLR Securities was limited to
0.50% of the Net Demand and Time Liabilities (NDTL) of
the banking system. Furthermore, banks were required to
maintain a minimum daily CRR balance of 99.0% of the total
requirement (from earlier 70.0%).
2013-14
desk was active in encashing the available arbitrages and

mobilised resources in tight situations of liquidity impacting
the Indian markets.
Your Banks Treasury Mid-Office monitors market exposures
and limits fixed by the Board of Directors, on a real time
basis. The Risk Management parameters, including
Value-at-risk (VaR) are used to measure Market Risk on
all portfolios. These measures are backed up by the Back
Testing on risk numbers and Stress Testing of various
investment and currency portfolios.
Corporate Social Responsibility (CSR)
While rolling back the above temporary measures after the

stabilisation of external situation, the RBI addressed the
continuing pressure on CPI and hiked the Repo rate by a
cumulative 75 bps to 8.00%.
Your Bank was able to capitalize on the opportunity offered
by the sharp fall in yields in the first two months and the
sharp yield movement upward later in the year was adroitly
handled in terms of its impact on the Banks fixed income
investments. Your Bank utilized the opportunity presented by
higher bond yields to add bonds to the portfolio and increase
the average yield on Investments. The average yield on
Domestic SLR investments was 7.85%. During FY14, your
Banks Treasury earned Rs 9,793 crore as Interest/Discount
earnings, while Profit on Sale of Investment and Exchange
Earnings were Rs 732 crore and Rs 575 crore, respectively.
Your Banks Treasury offers customized solutions using
available products viz Interest Rate Swaps (IRS), Currency
Swaps (CIRS), Forwards and Options to meet the Interest
rate and Foreign Exchange risk mitigation requirements of
the corporate clients. During the year, your Banks Treasury
actively raised funds by undertaking USD swap with RBI
against the FCNR deposits and Tier I capital, under the
special RBI swap window provided to the banks. The Interest
Rate Swaps and Currency options were widely used for
hedging the interest rate and currency for the corporates.
Your Banks Treasury started dealing in Exchange traded
Cash settled Interest Rate Futures based on 10Y benchmark
Government Security and emerged as one of the major
player in the market. Arbitrage opportunities available
between asset classes including Money Market CBLO, Call,
Market Repo, Government Securities and Forex markets
were effectively utilised.
Shri Rajiv S Sahu (2nd from right), Director, Bank of Baroda,

is seen handing over the cheque to Shri Navin Patnaik (Right),
Honble Chief Minister of Orissa State in the presence of Shri
S K Shaw, GM, Bank of Baroda, Bihar, Orissa & Jharkhand
Zone, Shri G B Panda, DGM, Orissa Region
As a responsible corporate citizen, it has been the

endeavour of your Bank to empower the community through
socio-economic development of the underprivileged and
weaker sections.
In its continued efforts to make a difference to the society at
large, your Bank intensified its efforts further in this direction
in FY14.
Some of the initiatives in the domain of CSR undertaken by
your Bank are as follows.

Your Bank has established Baroda Swarozgar Vikas

Sansthan (Baroda R-SETI) for imparting free training
to unemployed youth to develop their entrepreneurial
skills to become self employed. This is expected to
improve the economic status of their families and also
The sentiment in equity markets improved during second

half of FY14 due to FII inflows fuelled by the expectations of
an investor friendly and stable government after the general
elections in May 2014. The Equity desk of the treasury
actively churned its portfolio and booked profits at regular
intervals whenever an opportunity emerged in the markets.
The Foreign exchange desk of the Treasury retained its
position as one of the premier market players in the Forex
desks of the Public Sector Banks. The Proprietary trading
Baroda Shakti members & women staff of Bank along with

top management during the Womens Day celebrations
held at Corporate Center, Mumbai
87
2013-14
give a boost to various regional economies within these

locations. All the Lead Districts of your Bank have an
R-SETI each. About 47 such Sansthans have been
established by your Bank in which more than 1,92,247
youth have been trained and around 1,20,979 have
been gainfully self employed.

In order to spread awareness among the rural masses

on various financial and banking services and to speed
up the process of financial inclusion, your Bank has also
established 46 Financial Literacy Centres (FLC) across
India. These centres will impart financial literacy in the
form of simple messages like Why Save, Why borrow
from banks, Why borrow as far as possible for income
generating activities, Why repay in time, Why insure
yourself, Why Save for your retirement, etc.
Asset Quality Management

The year FY14 was a challenging year for the banking
industry to maintain the Asset Quality due to a fragile
economic environment. But your Bank continued its
practice of rigorous monitoring and recovery of the NPA
portfolio. However, due to downward pressure on various
economic indicators impinging the banking industry, your
Bank continued to witness pressure on its NPA position
during FY14.
Indian banks, in general, witnessed heavy incidence of
slippages in FY14 due to volatile financial markets both
within and outside India, higher inflation and higher interest
rate regime throughout the FY14. In spite of various
depressed economic parameters impacting the Bank, fresh
slippages, during the year, were at 1.99% of the opening
Standard Advances of your Bank. Against the backdrop of
high slippages, the ratio of Gross NPA to Gross Advances
was at 2.94% as on 31st Mar, 2014. Consequently, the ratio
of Net NPA to Net Advances stood at 1.52% by end-Mar,
2014. Yet, these were one of the lowest in the large-sized
public sector banking space.
In the past several years, your Bank made all out efforts to
maintain the Loan Loss Provisioning ratio at or above the
mandated norm of 70% set by the RBI. However, due to a
steep rise in NPAs and higher provisioning, the loan loss
coverage ratio was at 65.45% during FY14, after factoring
in the Prudential/ Technically Written-off advances. It may
be noted that during the year FY14, this ratio continuously
improved on sequential basis from the second quarter to
the fourth quarter of the year (from 61.68% in Q2, FY14 to
65.45% in Q4, FY14).
Your Bank has developed a comprehensive structure of
recovery and credit monitoring function at the branch, region,
zone and corporate levels. Besides this, the nodal officers
at each Debt Recovery Tribunal (DRT) centre are assigned
the role of a follow-up of legal cases on day-to-day basis so
as to minimize the delay in obtaining decrees and execution
thereof, in order to expedite and maximize recoveries.
For recoveries of all DRT suit filed NPA accounts, the
assets charged to the banks are now being sold through
88
E-auction to get a fair market value of assets charged to us.

Additionally, to speed up the recovery Asset Reconstruction
Companies (ARCs) have been appointed as recovery
agents and consultants have been appointed to liaison
with official liquidator (OL) to get the recoveries realised by
OLs. Lok Adalats, Recovery Camps and Village Chaupal
Meets were regularly conducted by your Banks branches
to reduce long pending cases and expedite recoveries in
small accounts.
Your Bank continued its emphasis on follow-up mechanism
to explore recovery prospects of NPA accounts. The system
of monitoring of large value NPA accounts of say Rs 1
crore and above directly from the corporate office by way
of fortnightly video conferencing with the regions and zones
have ensured proactive action by branches, advocates,
recovery agents, etc. The actions under SARFAESI Act at
various levels were also monitored by the Banks Corporate
Office. Therefore, the cash recovery in NPA accounts during
FY14 was Rs 1,261.81 crore, higher than the cash recovery
of Rs 625.57 crore during FY13. The upgradation was higher
at Rs 684.72 crore during FY14 compared to Rs 340.93
crore during FY13.
During FY14, your Bank laid specific focus on recovery of
small accounts by organizing Lok Adalats and Recovery
Camps at village/town level. Moreover special Schemes
called Vishesh Vasooli Yojana and Bhagirath Prayas were
also launched during the first half of FY14. Your Bank
also launched an incentive linked recovery scheme called
Sankalp VI, to enlist personalized attention of each and
every staff member in pursuing recovery efforts of small
value accounts with an outstanding up to Rs 25 lakh. The
cash recovery made during FY14 under this scheme was
very impressive at Rs 155.19 crore.
As a part of strategy suggested by the RBI for NPA
management, your Bank put for sale of NPL accounts
under individual as well as portfolio sale during FY14 and
as a result of good response from the market, could sell 23
NPL (NPA & Write Off accounts) accounts with aggregate
outstanding balance of Rs 671.27 crore to four ARCs (with
Net Book Value of Rs 253.65 crore).
The asset classification-wise breakup of advances portfolio
of your Bank is as under.
(Rs crore)
Asset Category
(Gross)
Standard
Gross NPA
Total
31st March 2014
31st March 2013
3,91,823.53
3,24,828.74
11,875.90
7,982.58
4,03,699.43
3,32,811.32
Gross NPA is comprising of:

Sub-standard
3,809.20
4,981.15
Doubtful
6,863.10
2,628.33
Loss
Total Gross NPA
1,203.60
373.10
11,875.90
7,982.58

Information Technology (IT)
2013-14
regional rural banks (RRBs) are also on the CBS

Platform and as notified by the Government of India
(GOI), your Bank has successfully amalgamated RRBs
of Central Bank of India and Punjab National Bank with
350 branches into one of the RRBs of your Bank.
Alternate Delivery Channels

Shri. S S Ghag, GM (IT & DWH) seen receiving the

award for Best Public Sector Bank under Global Business
Development category at Dun & Bradstreet, conferred to
Bank of Baroda on Polaris Financial Technology Banking
Awards 2013
Your Bank has undertaken a total end-to-end business and

IT strategy project covering your Banks domestic, overseas
and subsidiary operations.

Your Bank has built the best of technology infrastructure

by implementing a state-of-the-art Data Centre
conforming to Uptime Institute Tier-3 standard and also
a Disaster Recovery Site in different seismic zone with
redundancy built in every single point of failure to ensure
uninterrupted banking service delivery to customers.
In addition to the Disaster Recovery Centre, your Bank

has also implemented the Near Disaster Recovery
Centre during the year to ensure Near Zero Data Loss
as part of its Business Continuity Planning and Disaster
Recovery strategy.
Your Bank continued to optimise its technology initiatives

like windows server virtualization, desktop virtualization
and backup consolidation as green initiatives and also to
improve Data Centre operational efficiency. Application
virtualization, Automatic Storage Management (ASM)
& Real Application Clusters (RAC) Implementation,
Bandwidth up-gradation, provision of backup link, use
of new technology based on MPLS (Multi Protocol
Label Switching) for improving uptime and on demand
upgrade are some of the major initiatives.
Your Bank has been undertaking regular capacity

planning, upgrade and refresh to support growing
demand of business at various service delivery
channels.
Your Bank has an upgraded Enterprise Management

System and modules have been deployed to effectively
manage and monitor Banks growing IT infrastructure.
Your Bank has deployed centralised IT architecture to

provide the Core Banking Solution (CBS) and other
application platform to all its domestic branches and 23
overseas territories, providing ease of management &
monitoring and optimisation of resources. Your Banks
Internet Banking - BARODA CONNECT
Internet Banking, viz., Baroda Connect has been completely

revamped in your Bank to enhance its look and feel,
user-friendliness and user experience based on heuristic
evaluation and usability audit. Your Bank continued to add
more facilities under its Internet Banking channels. Other
enhanced features such as Online FDR Double Dhamaka,
online recurring deposit opening, online gift card, Tax
payments of various States, multiple challans for excise duty,
Credit to Loan accounts, Bill payments, Online donations to
Prime Minister Relief Fund, India Life Insurance premium
payment, aadhaar seeding through internet banking, IMPS
(Immediate Payment services). Internet Banking facility is
made available on all Smart-phones/tablets offering comfort
of anywhere banking to its customers. Internet Banking
has also been implemented in total 14 overseas territories
viz. Tanzania, Uganda, Kenya, Mauritius, Seychelles,
Botswana, New Zealand, UAE, Fiji, UK, Oman, Ghana,
Australia and USA. Internet banking is also provided in all
Bank- sponsored RRBs.
In order to enhance security and confidence in Internet
Banking, your Bank introduced enhanced security features
by deploying Fraud Management Solution, including
step-up authentication based on risk analysis, two factor
authentications by enabling OTP, PULL OTP, SMS
OTP, QnA. Your Bank has also introduced use of digital
certificates for corporate customers for authentication and
non repudiation in high value interbank transactions through
internet banking. Your Bank has initiated the process of
implementing Fraud Management Solution for remaining
five overseas territories where transaction-based e-Banking
is implemented.

Mobile Banking BARODA M-CONNECT & IMPS
As one more alternate delivery channel, many features

are available on the Mobile Banking platform of your Bank
to provide various facilities to customers, viz., balance
enquiry, mini statement, fund transfer, stop payment,
cheque status, debit card blocking, other services. Mobile
banking application is made available in all i-Phones and
i-Pads in addition to Blackberry, Android, Windows devices.
Immediate Payment Services (IMPS) are implemented
covering Person to Account (P2A), Merchant Payments
(P2M), Aadhaar based remittance (P2U). IMPS merchant
payments (P2M) enabled for Mobile top-up / DTH top-up,
Insurance premium payment, Online shopping, Over-thecounter payments, fees payments to schools/colleges/
universities, Utility Bill payments, Travel & Ticketing, Temple
Donations, Non internet based railway ticket booking
through mobile phones using IMPS IRCTC. Under Mobile
89
2013-14
Banking, your Bank is now enabled NUUP (National Unified

USSD Platform), providing ease of use and convenience
to customers.

eLobby
Hindi, Regional Language Screen selection for Gujarati,

Marathi, Tamil, Malyalam, Telugu, Kannada and Bengali are
enabled on ATM. Visa Debit card for UAE, BSP (Bank South
Pacific) Interchange Implementation for Fiji, Chip Based
Card Implementation in India, Oman and Mauritius,. Your
Bank has successfully launched RuPay ATM and RuPay
KCC cards for its RRBs also.

SMS Banking
For customers who desire to avail only information based

banking services, your Bank has introduced SMS banking
for balance enquiry, mini statement, Cheque status from the
registered mobile number. This is a very simple and easy
to use product that a customer can start using without any
registration process.

Shri S.S. Mundra, CMD inaugurating the first Baroda NonStop 24x7 Banking (e-Lobby) at Sakinaka Branch, Mumbai
Your Bank embarked on the next level of customer

engagement by enabling 24 X 7 services for customers
through eLobbies. Devices like Bunch Note Acceptors, SelfService Pass Book Printers, Cheque Deposit Kiosk, Internet
Banking Kiosks, were installed in more than 30 eLobbies
attached to branches. Cash deposit in Bunch Note Acceptors
was enabled through card as well as account number to
provide convenience to customers. In the coming years,
large scale expansion of this network is targeted. Your Bank
is also proposing to introduce Cash Recyclers which accept
cash, sort it and make payments from the deposited cash.

ATM
The ATM Switch is upgraded in your Bank to a higher version

along with Hardware up-gradation with enhanced features
for better performance, speedy ATM transactions and ease
of ATM expansion. The ATM switch is deployed for India,
UAE, Oman, Mauritius, Fiji, Tanzania, Botswana, Trinidad
& Tobago (T&T) and New Zealand. Your Bank introduced
Non Personalised Debit Cards during the year to enable
faster and hassle free delivery of cards to the customer over
the counter at the time of account opening itself. Your Bank
enabled NEFT remittances from ATMs during the year. Many
customer centric initiatives such as RuPay Debit Cards,
RuPay POS and RuPay KCC Cards, RuPay e-commerce,
Brown label ATMs, Collection of Insurance premium for India
First Life Insurance Policy holders, Cheque book request,
Immediate Payment Services (IMPS) through ATMs are
undertaken. Talking ATMs deployed for visually impaired
persons. Your Bank has also completed certification of
RuPay Chip card for international usage, enabling cash
withdrawal & balance enquiry for prepaid cards, gift cards
& General Purpose Reloadable cards on ATMs, Aadhaar
seeding through ATM. For enhanced security as well as
implementation of RBI mandates, chip based cards were
introduced. multi-factor authentication for card not present
transactions implementation of Fraud management Solution
in ATMs/ POS in India ATM Transaction receipt printing in
90
Contact Centre
Your Bank has implemented Customer Relationship

Management as a new initiative to get 3600 view of the
customer for providing better services through a contact
centre over phone in order to improve their satisfaction and
loyalty. Existing customers/Prospective customers may call
on Toll Free no. (1800223344 & 18001024455) wherein
following services can be availed of.

Issuance of a cheque book
Enquiry about products and services
Account Enquiry Balance, Transaction, Amount in

Clearing etc.
Hot-listing of ATM cards
Stop payment marking / un-marking
Request for issuance of debit card
Request for re-generation of debit card PIN
Support for e-banking users
Re-generation of mobile banking password
On-line (paperless) TPIN generation facility
Other information regarding products and services of

your Bank is also provided to prospective customers/
account holders.
The CRM applications is linked to sales offices like

Retail Loan Factories (RLFs), City Sales Offices (CSOs)
wherein the leads generated at contact centre on the
basis of enquiry about the products by customers are
transferred to these offices for further processing.
Your Bank has also completed a launch of recovery

processes through contact centre wherein customers
are informed about the EMI and due amounts. This
shall facilitate customers to deposit EMI/due amount
on demand dates.
Payment Systems

All branches of your Bank are enabled for interbank

remittances through RTGS and NEFT. The RTGS

and NEFT have also been interfaced with your Banks
internet banking portal. The Straight through Processing
(STP) of NEFT & RTGS have been implemented for
the Bank as well as RRBs. Your Bank has upgraded IT
infrastructure and architecture change to support large
volume and ISO20022 message format used for NGRTGS. RTGS & NEFT have also been implemented
in Uganda.

Internet Payment Gateway services for debit cards/

credit cards are increasingly offered to merchants and
internet shopper as a safe and secure channel for online
purchases.
The SWIFT facility for worldwide inter-bank financial

communication is provided at Foreign Exchange
Authorized Branches in India as also in 22 overseas
territories.
The Payment Messaging Solution (PMS) is implemented

in 22 overseas territories & all authorized branches in
India. PMS facilitates validation and formatting of
SWIFT messages generated from CBS as per SWIFT
standards, and also goes through AML check.
During the year under review, a grid based Cheque

Truncation System (CTS) was implemented in MICR
Centres Mumbai and Western Grid of Maharashtra,
Gujarat and Madhya Pradesh.
National Automated Clearing House (NACH) is

implemented for both debit and credit transactions.
Other Customer Centric initiatives
Shri S.S. Mundra, CMD inaugurating Coin Vending Machine

at Mylapore Branch, Chennai
Your Bank has been offering highly customised IT

enabled products and services tailored to the specific
requirements of valuable clients. Other products and
services like RBI Inflation Indexed Bonds, bulk issuance
of gift cards, direct dispatch of debit card & PIN mailers
to customers, remittances under Money Transfer
Service Scheme for exchange house, etc., have been
implemented as well.
Cash Management System is a full-function web
2013-14
enabled cash management solution offered to your

Banks customers, covering services like Receipt
Management (Collections), Payment Management
and Invoice Management (Receivable and Payable
Management). During the year, your Bank implemented
Two Factor Authentication (2FA) for Cash Management
System, opening a new channel for customers to
manage their funds position quickly with Straight
Through Processing (STP).

The Retail Depository Services are made available to

your Banks Retail as well as Corporate customers.
With a centralized depository application, branches are
equipped to provide depository services for both NSDL
as well as CDSL. With Online Trading System, your
Bank will be able to provide complete suite of online
services to the customers for trading in instruments like
equities, mutual funds, bonds and initial public offering
(IPOs).
New PA-DSS complaint Debit Card Management System

has been implemented to provide comprehensive
management and support for your Banks Debit Card
operations.
Your Bank has initiated Aadhaar based payment

like Direct Benefit Transfer (DBT), Electronic Benefit
Transfer (EBT). Direct Beneficiary Transfer under
Aadhaar Payment Bridge System (APBS) and
wages payment for Mahatma Gandhi National Rural
Employment Guarantee Act (MGNREGA).
Aadhaar Enabled Payment System (AEPS) for

transactions initiated from POS terminals based on
Aadhaar number in case of account opened under
Financial Inclusion
Your Bank has extended Central Project Scheme

Monitoring System (CPSMS) to State Governments
for effecting payments of plan funds received directly
at the State Treasuries. Printed Payment Advice (PPA)
based payments as well as Digital Signature Certificate
based payments too have been implemented under
CPSMS.
NPS, NPSLite (a scheme to provide financial security

for economically disadvantaged people for protecting
their future during old age), MGPSY for NRI have been
deployed.
The IT setup has been developed for account opening

process and transactions, both online and offline, to
be carried out through Business Correspondent thus
enabling Financial Inclusion.
The Mobile Van Banking is launched in Gujarat, UP &

Bihar on a pilot basis as the Banks Financial Inclusion
initiative.
To enable your Bank to have its pulse on the market, an

online customer survey portal has been developed for
getting ongoing feedback from customers. Online portal
is made available on Banks web site to customers/
91
2013-14
visitors to log and track the status of their Feedback/

suggestions/complaints.

Various initiatives like Linking of UID numbers, Account

number portability, Capturing KYC related information,
Simplified account opening procedures, addition of
village codes in core banking system are undertaken
during the year.
Your Bank has also enabled SMS Alerts delivery facility

to its customers for all transactions made through
alternate delivery channels and for all CBS transactions
above threshold limits. SMS alerts to customers are
also sent for non-financial events like Account opening,
Account Activation, Change in interest rate on loan
accounts, Installment due/overdue notice for loan
accounts, Cheque Book Dispatch (containing delivery
details), Cheque getting rejected, FD Maturity notice,
Notice to customers for KYC Compliance, Notice at the
time of Aadhaar Linking/de-linking, Notice to Potentially
dormant account, Notice at the time of account
becoming dormant.
Support Services

The Integrated Global Treasury Solution has been

implemented in UK, UAE, Bahamas, Bahrain, Hongkong,
Singapore, Belgium and in India, reducing the cost of
operations and better fund management.
For improving your Banks service delivery, the Back

Office functions have been centralized at City Back
Offices and Regional Back Offices. Your Bank now has
70 City Back Offices and 12 Regional Back Offices.
The personalized cheque book issuance has been
centralized. Your Bank has also started centralized
FCNR operations.
Your Bank has fully automated its Loan Processing

(Retail, Agri and SME) modules for better and quick
customer service. Your Bank also provides a single
click Online Loan Application feature for Home Loan,
Auto Loan and Education Loan.
Enterprise wide GL Solution has been implemented.
This provides variety of inputs to your Bank for strategic
decision making in business development and also
generates enterprise wide consolidated reports.
The Centralized Payroll, Salary module, e-TDS module

and Leave Module have been implemented for all your
Banks offices in India.
The Human Resource Networking for Employees

Service has been implemented with the objective of
creating a central database of the Bank employees for
facilitating decision-making, promotion and selection
exercise as also for automating other HR processes.
Your Bank has also undertaken, as a part of its business

strategy, Data Warehouse for providing flexible and
interactive source of strategic information, Customer
Relationship Management for better customer insight
92
and uniform customer view across channels. It has also

facilitated Automated Data Flow to regulator.

Your Bank has upgraded existing applications like

Exchange, e-Business suite with enhanced features,
encompassing Customer Relationship Management,
HRNes and Enterprise wide GL modules.
For regulatory compliance, the Anti Money Laundering

(AML) has been implemented in India and 22
overseas territories. Your Bank has implemented Risk
Management solution. Your Bank has also implemented
AML solution in all its sponsored RRBs.
Various new Regulatory requirements like Aadhaar

seeding through different channels like ATM, net
banking, SMS, online verification and validation of PAN
numbers, de-duplication of customer ids, etc., were
undertaken during the year.
Information Security
A robust Information Security Management System was
put in place during the year under review to protect the
technology against security threat. A Comprehensive Audit
by External Agencies is being successfully carried out
by your Bank for its Core Banking Solution and all other
applications as well as for Data Centre/Disaster Recovery
centre Infrastructure. Biometric Authentication is introduced
for CBS Login at Branches.
Your Bank has set up a Security Operation Centre (SOC)
for enhanced IT security. Your Banks Data Centre as well
as Disaster Recovery Centre are ISO 27001 certified.
Your Banks has Implemented Fraud Management
Solution for Internet Banking, ATM & POS. In order to
enhance security and confidence in Internet Banking, your
Bank introduced Fraud Management Solution, including
two factor authentications in India and seven Overseas
territories by enabling ARCOT OTP, PULL OTP and
SMS OTP.
Your Bank is regularly conducting VAPT (Vulnerability
assessment & Penetration Testing) of external facing
applications, e-Banking log monitoring etc.
Your Bank has enabled a Fraud Risk Management system
for day-to-day monitoring of suspicious transactions at
branches for protecting the interests of customers.
While cyber-attacks have become more unpredictable and
electronic payment systems vulnerable to new types of
misuse, it is imperative that banks introduce certain minimum
checks and balances to minimise the impact of such attacks
and to arrest/minimise the damage.
To minimise the damage, your Bank has initiated following
additional security measures which will be enabled shortly.

Your Bank has implemented the RBI mandates

as part of Risk and Mitigation measures for card
present transactions
All new debit and credit cards will be issued for

domestic usage unless international usage is
specifically sought by the customer.

Your Bank will convert existing MagStrip Cards to

EMV Chip card.
Your Bank will set up PIN enabled POS
Your Bank will enable additional security as addition

of Digital signatures for Corporate Internet Banking.
E-business
Transaction Banking Department has enabled a host
of alternate banking channels for improved customer
interaction, reduce operational cost and develop new
business opportunities. The ATMs, Internet banking, Mobile
banking, Debit cards, Prepaid cards, RTGS/NEFT are a
few of them. The year has seen significant progress in self
service units viz. Bulk/Cash acceptors, Passbook printers,
Internet banking kiosks and opening of 45 Baroda Non-Stop
24X7 lobbies.
Given below are the highlights of performance of the various
units during the FY14.
ATM deployment & Debit card issuance
Particulars
31/03/2013 31/03/2014
No. of ATMs
operationalised
2,630
No. of Debit Cards

Issued (in Lakhs)
103.76
6,254
Addition
during the
year
3,624
Baroda M-connect (Mobile Banking)
Number of
Registrations (in
Lakhs)
6.07
Total Amount of
Transactions (in
Lakhs)
7,704
Average Transactions
per day
9,085
Enriched ATM experience with multilingual screen and

1,200 talking ATMs for visually challenged persons.
Your Bank provided 85 Bunch Note/Cash Acceptors at

high cash accepting centres.
Your Bank launched Non Personalized Cards for instant

issuance to customers.
Baroda Connect (Internet banking)
No. of Users (in

Lakhs)
10.80
No. of A/cs Linked

(in Lakhs)
45.80
13.68
Addition
during the
year
2.88
Particulars
61.79
46,525
37,921
16,822
7,737
NEFT
RTGS
31/03/13 31/03/14 Addition 31/03/13 31/03/14 Addition

during
during
the year
the year
Inward
Transactions
per day
76,361 1,66,772
90,411
9,929
12,057
2,128
Outward
Transactions
per day
25,092
31,592
11,713
13,754
2,041
56,684
Baroda e-Gateway (Internet Payment Gateway)
Turnover (in
Crore)
Profit (in
Lakhs)
31/03/2013 31/03/2014
15.99
Your Bank enabled fund transfer facility and purchase

of Baroda Gift Card through Net Banking portal.
Addition
during the
year
50.85
118.33
67.48
65.68
130.02
64.34
Baroda Cash Management

Particulars
No of transactions
(in Lakhs)
Turnover (in Crore)
Income (in Crore)
31/03/2013 31/03/2014
Addition
during the
year
30.91
21.32
- 9.59
27,480
89,920
62,440
0.97
1.31
0.34
Other initiatives in E-business during FY14

New Initiatives during FY14

6.88
18.14
31/03/2013 31/03/2014
12.95
Baroda RTGS/NEFT
New Initiatives/achievement during FY14
Particulars
Addition
31/03/2013 31/03/2014 during the
year
Particulars
Particulars
121.90
2013-14
Installation of 1,200 Self Service Passbook Printers for

easy updation of statement of account.
Installation of 85 Bunch Note Acceptor (BNA) at high
cash accepting centres.
Started issuing KCC Card and Debit Card for RRBs.
Introduction of EMV Chip Debit Card.
Implementation of web module for Baroda Cash
93
2013-14
Management Service to meet Corporate requirement.

Initiated Mobile Banking Rewards Campaign to increase

activation and usage
Enhanced IVR facility at Contact Centres.
Implementation of Baroda SMS Banking facility.
Set up NACH facility for automated clearing.
Initiatives in E-business Planned for FY15

To increase number of ATMs/Cash Dispensers to 8,000.
To introduce EMV debit cards of Visa, Master & Rupay

for various customer segments.

Employee Conclave organized at Jamnagar Region
To install 1,000 additional Bulk Note Acceptor/Cash

Recyclers.
To start value added services on ATMs like bill

payments, card to card fund transfer etc.
To enable debit card blocking through SMS.
To enhance features of Internet Banking to enable

online account opening and better security.
To introduce the facility of digital signature in Baroda

Connect for large value payment transactions as
additional security measure.
In mobile banking, Aadhar Based Payment

System(ABPS) to be introduced in coordination with
NPCI.
Realizing the criticality of this asset for the sustained growth

of your Bank on the one hand, and the multiple challenges
like the large number of retirements, massive intake of
talent, huge training requirements, succession planning
and engagement for higher productivity on the other hand,
a lot has been done by your Bank in the area of Human
Resources in the recent past and more so in the financial
year FY14.
Besides excelling in the routine HR activities like recruitments,
promotions, deployments, etc, a host of new HR interventions/
reforms have been introduced in your Bank under the gamut
of a well-structured and a comprehensive HR transformation
project aptly christened as project Sparsh human touch
for business excellence.
To enable Regional Back Offices (RBOs) to register all

eligible accounts opened at their end for Mobile Banking.
To enable additional 100 Self Service Baroda NonStop

lobbies to enhance self service foot print and brand
visibility.
To install additional 400 Multi Function Kiosks
To launch e-Passbook service to customers through

Mobile Application.
Human resources - Creating Competence

and Passion for Business Excellence
The triumph and all round growth of your Bank is an outcome
of the synergy of various assets that the Bank possesses.
One of the most vital of them being its Human asset its
people, which has enabled the Bank to traverse through
an all-encompassing growth trajectory.
Your Bank has a rich reservoir of Human capital comprising of
the skill sets and competencies of 46,001 employees who are
at all times committed towards augmenting "Stakeholders
Value through Concern, Care and Competence.
In this journey of excellence undertaken to fulfill greater
aspirations and bigger dreams to touch the lives of all the
stakeholders, it is actually the people power of your Bank
which makes the difference.
94
This is an unparallel HR transformation project in the banking

industry sought to construct an integrated framework of the
various elements of the Human Resource function in your
Bank. In over a span of two and a half years, since the
commencement of Project Sparsh in August 2011, several
new and path breaking HR initiatives have been launched
and a host of other existing policies, schemes, processes
have been revamped to make them more broadbased,
futuristic, employee friendly and have greater alignment
with the Banks business.
Some of the key accomplishments worth mentioning in the
HR sphere particularly in FY14 are as under:
Strategic Workforce Planning and Recruitment

Drive
An optimal manpower mix is a prerequisite for the sustenance

and growth of the business. Hence a scientific manpower
planning model has been put in place for estimating
manpower needs by level, skills and by branch and also for
strategic workforce planning for the next few years to feed

into various other HR interventions of recruitment planning,
career progression, vacancies and postings/deployment.
Your Bank has put in place a clearly defined recruitment
policy, which steers the recruitment from different channels,
hiring of larger numbers in view of the emerging requirements
as projected by the strategic workforce planning and also
articulating a clearly-defined employer value proposition with
the acronym F I R S T as shown below:
An especially designed Career Portal has been launched

on the Banks website which defines this value proposition
further with clearly laid out sections related to why your
Bank should be the preferred choice for any prospective
applicant by projecting the different facets of working at
Bank of Baroda. These strategies provide a huge impetus
to the Employer Branding of your Bank significantly.
For a Smooth and effective integration of the new hires into
the Baroda Family, your Bank has also put in place a very
well structured and a focused On-boarding Programme
which not only aims at functional integration of the new
recruits in the Bank but also their cultural assimilation into
this institution. Going further, your Bank has also launched
a focused Mentoring programme Baroda Sarthy for
the new hires wherein the senior employee - a mentor
handholds the new entrant to enable his smooth transition
into the corporate world and help him/her adapt to the value
system and working of your Bank.
Baroda Manipal School of Banking
2013-14
Deploy
This innovative resourcing channel was initiated during the
year FY12 and so far, since its inception, 1,379 students
from seven batches have joined the Bank as officers and at
present, around 1,068 students are undergoing their training
at the BMSB campus at Bangaluru.
Recruitment drive during FY14

Your Bank has been undertaking focused hiring efforts
on a sustained basis year on year, to cater to retirements,
resignations, sustained business growth and rapid branch
expansion etc. Various recruitment exercises were
undertaken during the year to address the emerging
manpower requirements in your Bank. Recruitment of
Specialist officers, Probationary officers and clerical
personnel were initiated to meet the needs of your Bank,
both in terms of replacements for normal attrition and
factoring in the business growth needs. Your Bank recruited
2,685 officers in various Grades / Scales (both Generalists &
Specialists), 3,125 Clerks and 439 Subordinate staff, thereby
inducting a total of 6,249 new employees in the Bank during
the period 2013-2014 The recruitment process is continued
in the year 2014-15 also with various recruitment projects
undertaken for filling up almost 3,800 posts of officers and
3,800 posts of clerks.
Formulation of Talent Management System

With a view to identify and groom young potential leaders in
the Bank so that they can go on to man the critical leadership
positions and thereby fill up the foreseen leadership gaps
in future, your Bank has taken a big stride of designing
and implementing a well orchestrated Talent Management
System. This system proactively identifies future potential
leaders based on various criteria and also grooms them
through a systematic developmental plan for each of the
identified future leader.
This is an annual exercise and in FY14, your Bank was able
to clearly identify around 20% people in specific scales of
Officers viz. in Scales II, III, IV, V and VI as the future leaders.
Framework for Career Progression
The Baroda Manipal School of Banking (BMSB) is a

unique association of Bank of Baroda and Manipal Global
Education to train students for a banking career in Bank of
Baroda on a first-day, first-hour productive model, and
thereby have a ready pool of trained officers. The students
undergo a focused one-year programme customized to
the Banks requirements and this leads to the award of a
post-graduate diploma in banking and finance, before they
are absorbed in the Bank as probationary officers. The
programme works on an inverted model of Train, Hire and
Concerted efforts have been taken by your Bank for fostering

the career progression of employees primarily to reward
them for their efforts and performance and also to motivate
them further to climb up the corporate ladder and thereby
fulfill both organizational as well as personal aspirations.
Your Bank not only provides opportunities for upward
movement in the hierarchy but also ensures horizontal
movement of officers across different functions to provide
them wider exposure and carve out a definite career path
for them.
Akin to recent years, in FY14 also, promotion exercise in all
the cadres was conducted and a total of 3,525 employees
as shown in the table below were promoted to higher grade/
scale.
95
2013-14
Category
No. of
Employees
development and welfare of people belonging to SCs and

STs are enumerated as under.
Sub-Staff to Clerk
149
1. Reservation in Employment
Clerk to Officer
532
JM-I to MM-II (Officer to Manager)
1271
MM-II to MM-III (Manager to Sr Manager)
950
MM-III to SM-IV (Sr. Manager to Chief

Manager)
466
SM-IV to SM-V (Chief Manager to Asstt. Gen.

Manager)
90
SM-V to TEG-VI (Asstt. Gen. Manager to Dy.

Gen. Manager)
48
TEG-VI to TEG-VII (Dy. Gen. Manager to

General Manager)
19
Employee engagement and Rewards

To augment the engagement levels in the employees for the
higher motivation and productivity, your Bank has recently
formulated a policy on employee engagement. As part
of this policy various initiatives like conduct of satisfaction
surveys, workshops for interaction of juniors and seniors
etc., are undertaken to improve the employee connect with
HR and top management.
To promote a culture of performance and to reward the top
performers, your Bank has very recently launched a revised
performance linked incentive scheme for its employees.
Implementation of HR Technology
Your Bank has put in place a very comprehensive HR
technology platform covering HRM, Training, Payroll &
Leave modules christened as the Human Resources
Network for Employee Services (HRNes). This
technology platform has enabled automation of various HR
functionalities and processes. The HR Automation is a key
enabler in the implementation and sustenance of various
HR initiatives and certain processes have completely
been automated thus enhancing the efficiency of the HR
operations thereby reducing the turnaround time.
In addition to the above HR interventions, the setup of the
HR function in your Bank has also been strengthened further
during FY14 and made more efficient by centralization of
the routine administrative activities into a HR Back-office.
Special Thrust on Development of SC/ST/Other

Backward Communities
Your Bank is committed to the constitutional safeguards and
social objectives for development and welfare of persons
belonging to SCs, STs and Other Backward Classes in
the Indian society. Your Bank is one of those banks in
the entire banking industry that has the highest number of
employees belonging to SCs and STs, which itself shows
the commitment of the Bank towards their development and
upliftment. Some of the highlights of your Banks efforts for
96
Your Bank observes all guidelines stipulated by

the Government of India for reservation of posts in
employment in All India recruitment and local recruitment.
Around 15% of total posts are reserved for SCs and
7.5% posts are reserved for STs in all India recruitments
as also for selection to Baroda Manipal School of
Banking, it being another channel of resourcing started
by the Bank. For other recruitments made on regional
basis, appropriate percentages prescribed for various
States are being observed. Special efforts are made
like offering pre-recruitment orientation training to SC/
ST applicants for recruitment in your Bank. Relaxation
in age limit and qualifications are given and interviews
of SC/ST candidates are taken on relaxed standards
in order to ensure that appointment of candidates to
the reserved posts happens. In the interview panel for
recruitment, a member belonging to SC/ST is invariably
associated. Candidates belonging to SC/ST, who are
called for interview, are reimbursed traveling expenses.
In addition to providing reservation in employment, your
Bank is also providing reservation and other enabling
mechanisms in career growth and promotions for SC
and ST employees as per the guidelines in vogue.
Pre-promotion training is also being given before
such candidates participation in promotion exercises.
Moreover, around 10.0% of the available residential
accommodation of your Bank is reserved for SC/ST
candidates.
The staff strength and representation of SCs and STs
as of 31st March 2014 is as under
Cadre
Total
SC
SC %
ST
ST%
Officers
19,710
3,429
17.40
1,423
7.22
Clerks
18,043
2,600
14.41
1,310
7.26
Sub-staff
8,248
2,760
33.46
798
9.68
Total
46,001
8,789
19.11
3,531
7.68
2. Reservation Cell

An exclusive Reservation Cell in your Bank has been
set up to monitor the reservation and other enabling
provisions for SC/ST employees. An executive in the
rank of General Manager is appointed as Chief Liaison
Officer for SC/ST/PWD & EX-Serviceman employees
who ensure compliance of various guidelines pertaining
to the SC/ST/PWD & EX-Serviceman employees. A
Liaison Officer for SC/ST has been appointed in each
Zone of your Bank who takes care of all matters and
grievance redressal of SC/ST employees of that Zone.
3. Meeting with SC/ST Welfare Association

With a view to have direct dialogue and review of

reservation and other special provisions for SC and
ST, your Bank holds quarterly meetings with the

representatives of SC/ST Welfare Association of the
Bank at Corporate level. Your Banks Chairman and
Managing Director and Senior Executives including the
Chief Liaison Officer for SC/ST/PWD & Ex-Serviceman
participate in the meeting.
4. Bharat Ratna Dr. Babasaheb Ambedkar Memorial
Trust

Your Bank has established the Bharat Ratna Dr.

Babasaheb Ambedkar Memorial Trust in 1991 for
promoting welfare activities for the benefit of SC/
ST employees and their family members. Apart from
scholarships to children of employees belonging to
SC/ST, this Trust also provides scholarship to needy
students belonging to SC/ST community, in general, in
major centres of the country.
2013-14
Your Bank has 15 training establishments spread all over the

country including its apex Staff College at Ahmedabad. The
Staff College has successfully completed its glorious journey
of 49 years and stepped into the Golden Jubilee year on
21st November, 2013. Golden Jubilee year was launched
by your Banks Chairman & Managing Director on the same
day. A series of learning events took place throughout the
year to commemorate the Golden Jubilee year. During the
year, a new Training Centre was commissioned at Bangalore.
5. Visit of National Commission for Scheduled Castes

During the year FY14, the National Commission for

Scheduled Castes visited your Bank at Bhubaneshwar
on 22nd October, 2013 and at Guwahati on 26th October,
2013. The suggestions and guidance of the Commission
are being scrupulously observed by your Bank.
Due to the Banks all out efforts in the HR sphere, your Bank
is yielding positive recognition in the employers market which
can be testified by the fact that Bank of Baroda has become
the most preferred PSU Bank for new recruits as per the IBPS
Rankings in 2013. We are confident that the HR initiatives
will definitely lead to enhanced employee productivity and
enable building of a long term and sustainable HR platform
by upgrading HR skills, leveraging the full potential of the
Banks human capital and implementing cutting edge HR
policies and processes through use of technology.
A Dedicated Cell for Training & Development

Looking to the importance of Training and Development in
the context of large scale recruitment in the Bank combined
with the need for grooming of the existing work force in the
context of the growing competition, your Bank created a
new cell for Learning and a new functional position as
Chief Learning Officer (CLO) in the Bank during FY14.
The CLO is of the level of a General Manager and supports
the organization through learning interventions.
The broad mandate of this new vertical is as follows.

Institutionalizing and enhancing E-learning for effective

knowledge management.
Fostering a learning environment across

organization through innovative interventions.
Helping customers to understand and use your Banks

products and services through customer education.
Aligning training with operational priorities by designing

suitable courses through collaboration with other
functional heads.
Steering the Baroda Academy towards the objectives

for which it was set up.
the
Shri S.S. Mundra, CMD inaugurating the Celebration of

Golden Jubilee Year of Staff College, Ahmedabad
Faculty members of the Bank have authored good number

of research papers that were presented in national and
international conferences and subsequently published as
well.
The training system in your Bank extensively uses case
study methodology and has built up a pool of case studies
developed by faculty members to make training highly
experiential and simulation-based.
A good number of innovative steps have been taken by the
Bank in the domain of training over the years. The training
system of your Bank bagged a National Award for Innovative
Training Practices in various industries by securing third
position, awarded by the Indian Society for Training &
Development (ISTD) during the year FY14.
Large Scale Training on Products

Your Bank carried out a campaign called ASCEND for
large scale product training to impart product knowledge
to the front line officers on Retail Liability, Retail Asset and
e-Business products. The campaign was run entirely by
the trainers and operational bankers, and it covered 5,987
employees amounting to about 95% of the target group.
Similarly two rounds of All India quiz christened Baroda
Gyani were organized to bring more awareness on product
knowledge. More than 4,000 employees from sub-staff
to officers participated in this competition upgrading their
product knowledge. E-learning modules on retail products
were also launched for this purpose.
Adoption of new Training Policy

Your Bank has a Board approved comprehensive training
97
2013-14
policy. It covers entire spectrum of training activities

that include a) laying down streamlined processes, b)
a full-fledged training structure, c) capacity building, d)
measurement of training efficacy and, e) intervention
methodology.
promoted Assistant General Managers and Chief

Managers at International Management Institute (IMI),
New Delhi from 13th to 17th May 2013 and from 20th
to 24th May 2013.

A Leadership Development Programme for newly

promoted Assistant General Managers of the Bank
from 7th to 12th October 2013 at Centre for Organization
Development, Hyderabad.
Integrated Treasury Bourse Programme in association

with Trinity Academy, Mumbai from 26th August to 5th
September 2013 for treasury officers.
Talent management training on Communication and

Influence and People Development and Team Focus
for the identified officers during Oct-Dec 2013.
Executive Development Programme on Rational

Emotive Behaviour Therapy (REBT) from 5th to 7th
December 2013 at University of Mumbai.
A dedicated Programme for Agriculture Officers of your

Bank from 2nd to 7th December 2013 at Manipal Academy
of Banking, Bangalore.
Nearly 3,000 new clerks were on-boarded in tie-up with

NIIT-IFBI thus covering all the new clerks who joined the
Bank post June, 2013. More than 800 existing clerks
were trained under a refreshers course UTKARSH
by IFBI.
A programme on Positive Approach to Vigilance

Administration for Disciplinary Authorities on 18th & 19th
October 2013 at New Delhi.
A Faculty Development Programme was conducted

from 16th to 21st December 2013 by M/s Fourth Quadrant
Training Pvt. Ltd.
Special Thrust on Development of SC/ST/Other

Backward Communities
Your Bank is committed to the constitutional safeguards and
social objectives for development and welfare of persons
belonging to SCs, STs and other backward classes in the
Society. Around 49 programmes covering 1,221 SC and
573 ST employees were conducted during FY14 to prepare
them for promotion exercise. Similarly, 9,602 SC employees,
3,795 ST employees and 10,292 OBC employees were
imparted training during FY14 in various key banking areas.
Training to Customers: Customer Connect

Campaign
As part of customer education, the training system ran
a campaign during Feb-Mar 2014 to impart training to
customers for using net banking and mobile banking
services. More than 15,342 customers were trained at
various centres and the initiative will continue throughout
the calendar year.
Capability Building Initiatives

To build knowledge power of its employees, your Bank has
been focusing on comprehensive grooming of the staff in
key banking areas like credit, forex, Priority Sector, Retail
Banking, CBS, Financial Inclusion, Risk Management
etc. Besides, your Bank conducts comprehensive training
programme called On-Boarding Programme for newly
recruited officers and clerks using in-house resources and
through a tie-up with reputed external agencies. The Bank
conducted more than 2,337 in-house training programs
during the year FY14 covering 49,044 participants in addition
to the external training of officers and executives at various
business schools in India and abroad. Your Bank is at an
advanced stage to take the next big step in the area of
e-learning to augment its capabilities to reach out to every
single employee.
External Training
During FY14, around 988 staff members were nominated to
various external training programmes. Your Bank considers
External Training an integral part of capacity building,
wherein employees at all levels are exposed to such
programmes to learn and adopt the best practices existing
in the industry.
Some of the noteworthy and dedicated programmes
organised during the year FY14 were:

Top Management Programme for General Managers

and Deputy General Managers of your Bank at ISB,
Hyderabad from 13th to 18th May 2013.
Top Management Programme for two batches of newly
98
Business Process Re-engineering (Project

Navnirmaan)
Ever since your Bank changed its brand identity, there
has been a tremendous growth in its brand recall value,
which in turn gave rise to enhanced expectations from all
stakeholders. The expectations were further strengthened
by your Banks tag line as Indias International Bank and its
mission to be a National Bank of International Standards.
However, your Bank has responded well to these
expectations by restructuring its products and processes
in an optimum fashion.
Actually, the process of change began with the setting up
of Retail Loan Factories in 2007. Subsequently, your Bank
commissioned a comprehensive change programme in June
2009 that sought to rebuild the Bank for the future under the
name Project Navnirmaan.
This project touched all aspects of your Banks processes,
structures and systems with an objective to simplify
processes, improve branch productivity and provide bestin-class service to its customers.

The change programme has been successful and this
initiative has been one of the major factors to help your
Bank bag a number of awards and accolades establishing
itself truly as Indias International Bank.
The major achievements under the project Navnirmaan
during FY14 are enumerated as under.
Baroda-Next Branch: Around 1,433 metro and urban
branches have been rolled out as Baroda Next branches
in your Bank until end of FY14.
Committee: With a view to encourage

a culture of innovation across the organization, your
Bank set up an Innovation Committee in March 2014
with the following objectives - developing new products
and services, innovation in internal processes that add
value to customers and the Bank, innovation in service
delivery that delights the customers.
Marketing
Front-end Automation: The Queue

Management System (QMS), Cheque Deposit Machines
and Personalized Pass Book Printers were installed in
9,840 and 1,200 branches, respectively.
City Back Office (CBO): Clearing operations were

centralized for all branches (linked to CBO). At present,
there are 85 CBOs operational throughout the country.
Regional Back Office (RBO): Two RBOs at Bareilly

and Ahmedabad were added during the year taking
the total strength to 12. Altogether 3,653 branches are
linked for CASA opening and 4,263 branches linked for
PCB (Personalized Cheque Book) issuance.
Innovation
Branch
2013-14
Credit centralization Pilot (RLF/SMELF): The Retail

and SME credit centralization pilot of your Bank initiated
in FY14 is under progress at the Loan Factories in
Baroda.
Sustainability
of NAVNIRMAAN initiatives/impact:
Process Compliance Audit (PCA) - A certification
procedure for Baroda Next branches was introduced
through which process compliance/adherence by
branches are being evaluated by your Banks inspecting
officers. Till date, 907 branches have been covered
under the PCA.
Train
the Trainers Programme: A two days

programme was held at Staff College Ahmadabad
from 29th to 30th June, 2013 in connection with holding
workshops at all zones for branch heads, sales heads,
relationship managers, customers service and branch
hosts of Baroda Next branches.
Change
Leadercum-RBDM Conclave: A two days

conclave was held at Staff College, Ahmadabad during
12-13 August, 2013.
Contact Centre: Your bank has two Contact Centres

at Lucknow and Vadodara. In addition to the existing
basket of service, Mobile Banking assistance service
has been added during the year. The service timing
has been increased to 6am to 10pm (from earlier 8am
to 8pm) for better customer convenience.
E- Lobby: Your Bank has started 45 independent

E-Lobbies in different zones. It offers the following six
services- Cash Dispenser (ATM), Bunch Note Acceptor
(BNA), Self Service Automatic Passbook Printing Kiosk,
Cheque Deposit Machine (CDM), Internet Banking Kiosk
and Phone Banking facility.
Launch of Marketing e-Newsletter BOB MARCOM by Shri

S.S. Mundra , CMD and other Top Executives during the All
India Marketing Conclave organized at Ahmedabad
During FY14, your Bank continued to promote its brand and

various products and services through various marketing
initiatives. This involved effective utilization of different media
vehicles such as Print, Electronic (TV, Radio, Online etc.)
and OOH, apart from supporting the Below-the-Line (BTL)
activities undertaken by the Zones and Regions.
The highlights of various marketing / communication
activities undertaken during FY14 are given below:
Your Bank, encouraged from the success of its initiative of
FY13 i.e. BRAND Engagement Program, launched the next
edition of Bank of Baroda Canvas Competition during
January 2014 to continue and harness the potential of longterm relationship formed with the younger audience as well
as their influencers i.e. parents and teachers. This year
again the momentum was to build long-term relationship
with both existing and new educational institutions and as
such, students across the country were invited to submit
Shri S.S. Mundra, CMD, Executive Directors and other

Senior Officials during the final selection of National level
winners of Pan India Baroda Canvas Competition 2013-14
99
2013-14
their entries through their respective schools on a predetermined topic and winning entries were selected on
National/Regional levels by a select panel of judges. The
brand-association formed with the target audience through
involvement of the Banks mascot i.e. Stickman increased
significantly this year and participants were invited to name
the stickman. A judicious mix of on-ground activities at the
Zonal and Regional levels were used in the campaign to
maximize the number of entries in the said competition.
In addition to the above initiative, your Bank undertook
various Product Promotion Campaigns to promote its
products and services amongst target audience through
advertising across different geographies. Besides focusing
on providing information on various products and services,
particularly Saving Deposits, Current Deposits, Home
Loans, Car Loans and SME Loans, new product-lines like
Consumer Durable loans and Alternate Delivery Channels
(ADCs) were aggressively promoted. Furthermore, special
customer segments were also targeted viz; Special
Campaigns for Doctors and NRIs etc. through judicious use
of various media vehicles on Pan India basis. Information
relating to expansion of branch network, both domestic and
overseas, was also given due publicity largely through print
medium which helped enhancing your Banks brand image
and visibility.
Your Bank also participated in various events such as Pravasi
Bhartiya Diwas 2014, FICCI-IBA Banking Conference
2013, World Ranking Snooker TournamentIndian Leg,
India Australia Cricket Series 2013, MINT Annual Banking
Conclave, BKC Financial Institutions Employees Marathon
and Standard Chartered Mumbai Marathon 2014, among
many other events to continue the brand association with
the customers and stakeholders thereby increasing the
recall value.
Your Bank ranked 20th amongst Best Indian Brands

Brand Equity Economic Times Survey. This was
published in Economic Times issue dated 31st July
2013.
Your Bank won a Special Award for Best IT Team

among Public Sector Banks at IDRBT Banking
Technology Excellence Awards 2012-13.
Your Bank was recognized as the Best Public

Sector Bank under the category Global Business
Development by Dun & Bradstreet Polaris Financial
Technology Banking Awards 2013.
The Reserve Bank Rajbhasha Competition, 28.08.2013,

Mumbai gave your Bank the following prizes.
a) First Prize in Region C
b) Second Prize in Region A & B
c) Third Prize for AKSHAYYAM in Hindi House
Bilingual House Journal Competition
d) Third Prize for BOBMAITRI in Bilingual House
Journal Competition
The Sunday Standard Best Bankers Awards Best

Banker HR constituted by The New Indian Express
Group, was conferred on Shri S S Mundra, Chairman
& Managing Director of your Bank during FY14.
Your Bank received an award in Indira Gandhi

Rajbhasha Shield Competition, 14.09.2013, New Delhi.
First Prize for the Year 2011-12 was given for your
Banks exemplary performance in Official Language
Implementation.
In the ASSOCHAM 9th Annual Banking SummitcumSocial Banking Excellence Awards 2013, 16.09.2013,
New Delhi, your Bank was the Winner in Public Sector
Banks Category in recognition of its distinguished and
commendable work done in the field of Social Banking.
Your Bank improved its ranking from 66th to 52nd in

The Asian Banker - Regions Largest Bank category, in
September 2013 special issue 122 of The Asian Banker.
Your Bank won the following awards during the 53rd

Annual Awards Nite of the Association of Business
Communications of India (ABCI), 18.10.2013, Hotel
Taj, Colaba, Mumbai.
During FY14, as part of its public relations task, your Bank

had wide media coverage of its activities across the country,
which helped in enhancing your Banks brand image.
Awards and Industry Recognition for Bank

of Baroda
Your Bank won several awards and recognitions during
FY14 from the reputed media houses and other prestigious
organizations on various business and financial parameters
for its steady and all round performance, superior
management thereby contributing to the growth of the
economy.
a) Special Column (English) BronzeTrophy for

BOBMAITRI
Given below are some select awards won by your Bank

during the year FY14:
b) Special Column (Language) Silver Trophy for

Apni Baat Akshayyam
c) Headlines Bronze Trophy for Corporate Ad

(Stamp Creative)
Your Banks Chairman & Managing Director Shri S S

Mundra, ranked 41st in the list of Top 100 India Incs
Most Powerful CEOs as per CD-ET (Corporate DossierEconomic Times) Incs Survey 2013, published in
Economic Times issue dated 12.07.2013. He was also
ranked 3rd amongst CEOs of Public Sector Banks as
per the survey.
100
Your Bank was ranked No.3 in THEBWReal500

Indias 50 Biggest Financial Companies published in
Business World Issue dated 04.11.2013.
Your Bank was ranked No.50 in BT500 Indias Most
2013-14
Valuable Companies published in Business Today

November 10 2013 issue.

Your Bank was rated as the 3rd Fastest Growing Large

Bank and 4th Best Bank in Large Bank Category in
a Survey of Indias Best Banks by - BW-PwC Survey.
This Survey was published in Business World issue
dated 30th December 2013.
Your Bank was ranked 22nd in Brand Equity Top

Service Brands published in Brand Equity Issue dated
18.12.2013, retaining its brand ranking position as that
of last year.
Your Bank was ranked 28th in Fortune India 500 lists

published in Fortune India Magazine Special issue
December 2013.
Your Bank received the MSME Banking Excellence

Award 2013 as the Best Bank in MSME by Chamber
of Indian Micro Small and Medium Enterprises on
09.01.2014 at New Delhi.
Your Bank was ranked 27th in Indias Biggest 500

Companies Top 500 company listing 2013 published
in ET 500 Magazine issue January 2014.
Your Bank was awarded Best Bank - Public Sector by

ABP News in Banking, Financial Services & Insurance
Awards on 14.02.2014 in Mumbai.
Your Bank was awarded for Excellence in Banking

(PSU) by My FM Stars of the Industry award on
14.02.2014 in Mumbai.
Your Bank was awarded for Excellence in Home Loan

Banking by My FM Stars of the Industry award on
14.02.2014 in Mumbai.
Your Bank received the Global Excellence & Leadership

Award in the category of 50 most talented CSR
Professionals of India by World CSR Congress in
Mumbai on 18/02/2014.
Your Bank was ranked 53rd on Net Revenue and 45th

on Market Capitalization in FE 500 list published in
Financial Express Magazine February 2014 issue.
Shri S.S. Mundra, CMD and other Top Executives during the
inauguration of Press Room at Baroda Corporate Centre, Mumbai
Construction of office building cum currency chest at

Varanasi was completed. This building is equipped
with ultra modern gadgets and systems with energy
efficient equipments and rain water harvesting system.
The eco-friendly materials were used in its construction.
Your Banks presence by this building in Varanasi is
admired by one and all. Now, it has become one of the
landmark buildings of the city.
Dr. K. C. Chakrabarty, Dy. Governor of Reserve Bank of

India, Shri. S.S. Mundra, CMD during the inauguration
of Baroda Bhawan the new premises of Bank of Baroda
Regional Office, Varanasi
As per the directives from Ministry of Finance, your Bank

linked its corporate office with all zonal and regional
offices through State-of-the Art Video Conferencing
(VC) systems based on MPLS Connectivity. Interaction
of functional heads through VC has made the decision
making process more efficient, quick and cost effective.
Your Bank was ranked No.1 in the Public Sector

Bank Category in FE-EY Best Banks Survey 2012-13
published in The Financial Express Magazine March
2014 issue.
Your Banks Eastern UP Zone, Lucknow was awarded

the 1st Prize by Government Of India for Implementation
of Official Language (Hindi) in Banks for the year 201213 by Official Language Dept, Ministry of Home Affairs,
Government of India at a function held in Chandigarh.
During FY14, your Bank adopted all technology centric

initiatives in the form of e-tendering, e-procurement etc.
and this was implemented in a phased manner.
You Bank ensured that all payments to vendors are

made through RTGS/NEFT.
Premises Re-Engineering and Ambience

Enhancement
In tune with your Banks policy to have its administrative

offices in owned premises, your Bank purchased land
at Bangalore (Karnataka), Hyderabad (AP), Faizabad
(UP) Indore (MP), Udaipur (Rajasthan), Dehradun
(Uttrakhand), Jaipur (Rajasthan) and New Raipur
(Chhatisgarh), Bareilly (UP) and Ernakulam (Kerala)
The major achievements of your Bank in the area of

Premises re-engineering and ambience enhancement
during the year FY14 are as given below.
101
2013-14
for construction of commercial /residential buildings.

Looking to the ever increasing rentals, area optimisation

of every corner of the available premises is being
ensured by your Bank. Layouts are being revisited
while renovation and furnishing of branches and
offices is being done by introducing eco-friendly and
ergonomically designed sleek furniture items. The area
norms for acquisition of the premises have also been
reviewed and implemented.

inauguration of new office for centralized NRI Services at
BKC, Mumbai
To have uniformity in systems and procedures panIndia, Premises Policy Guidelines, Constructions
Manual, Refurbishment Manual were designed and
formulated. Agencies have been identified for quick
procurement of the furniture items and to have similar
and identical design to get aesthetically pleasant look
and vibrant indoor environment.
The setting-up of e-lobbies at 45 various locations in

the country.
Your Bank purchased residential flats at various places

for newly transfered officers.
Projects under implementation

Construction of BSVS at Alirajpur, Jaipur, Surat,

Bharuch and Jhabua.
Construction of administrative and residential buildings

at New Raipur.
Construction of residential cum commercial complex

at Indore (MP).
Construction of own building for Disaster Recovery Site

at Hyderabad.
Renovation of Bank of Baroda Institute of Information

Technology at Gandhinagar (Gujarat).
Construction of Regional Office Building at Faizabad.
Renovation of residential building and flats at Nehru

Enclave, Lucknow.
Future Plans for Estate Management

To facelift the Banks Building at Parliament Street,

New Delhi.
To redevelop the Bhandup Staff Quarters building,
Mumbai, thereby to construct about 138 residential flats
for transfered officers/executives.
The redevelopment of Jogeshwari Staff Quarters,
Mumbai, to construct a building for residential and
commercial use.
To construct the training centre at Bangalore.
Construction of BSVS at various centres across India
as per the directives from the Government of India.
To set up the Baroda Academy (i.e., training Centre) at
Gandhinagar (Ahmedabad), Bangalore, Greater Noida
and Bhubhneshwar.
Brick & Mortar Branch Expansion
Shri S.S. Mundra, CMD inaugurating the Jopling Road

Branch opening at Lucknow
Projects implemented during FY14

The construction of office building cum currency chest

at Varanasi.
Construction of residential complex at Janakpuri, New

Delhi.
The construction of multi-storey integrated office

building at Jaipur.
Construction of BSVS at Ajmer, Dunga rpur, Banswada

and Pratapgarh.
102
Given below is the information on your Banks brick and

mortar distribution channels as on 31st March, 2014, which
is observed to be closer to common customers as compared
to the E-Banking channels that are generally preferred by
the tech savvy urban masses.
Area Classification
(India)
Number of
Branches
% Share in
Total
Metro
980
20.11
Urban
849
17.42
Semi-urban
1273
26.11
Rural
1772
36.36
Total
4874
100.00
60
--
Overseas

Domestic Subsidiaries and Associates
The performance of your Banks Subsidiaries, Joint Ventures
and Associates was quite satisfactory during FY14.
BOBCARDS Ltd. turned around during FY11 due to the
recovery in NPA accounts. Subsequently, it posted profits
during FY12 and FY13. During FY14, the company focused
on all qualitative aspects of business development, which
resulted in better profitability, quality card base and ME
base. The Company introduced a range of Titanium Cards,
Signature Cards, Assure Cards, Corporate Platinum Cards
and Bobcards Elite with premium features like added
privileges and offers. Special schemes for corporate
and HNI customers were also launched during the year.
The Company has drawn up aggressive plans for the
enlargement of Card and Merchant Base for the coming year.

launch of Signature Card by Banks subsidiary Bobcards Ltd.
BOB Capital Markets Ltd. was professionally strengthened

during the year by deputing a team of Project Finance
Department and embarked upon undertaking technoeconomic viability (TEV) studies, debt restructuring and
corporate finance services on a large scale for various
customers. Throughout the year, the focus remained on
investment advisory services, debt and equity syndication
and capital market activities. The Company commenced
institutional broking business and also launched an Online
Institutional Trading platform from October 2009. The
On-Line Retail Trading platform, which was commercially
launched on July 20, 2012 was extensively modified to
make it much simpler and easier to use by customers to
have the benefit of user-friendly retail trading platform. The
company, functioning in a very competitive market, is ever
alert to opportunities in the market and is poised to grow
bigger in the coming years.
The Nainital Bank Ltd. was promoted by Late Bharat
Ratna Pandit Govind Vallabh Pant and others and became
Associate Bank of Bank of Baroda in the year 1973. Today,
the shareholding of Bank of Baroda in Nainital Bank Ltd.
is 98.57% and is a subsidiary of the Bank. The State of
Uttarakhand, vide its communiqu dated August 3, 2012,
has notified that The Nainital Bank Limited be treated at
par with other PSU Banks. The Bank has initiated branch
expansion initiatives and has already established a Regional
Office at Dehradun and has aggressive plans to ramp up
2013-14
its scale of operations. The Bank has launched e-stamping

facility in 15 branches and has initiated several new IT
initiatives e.g Mobile banking & e-banking etc. The Bank
also took various initiatives to increase its retail segment
particularly in housing loan & consumer loan to high income
salaried employees of Government Departments & PSU as
well as professionals.
Baroda Pioneer Asset Management Company Ltd. a joint
venture with Pioneer Global Asset Management SpA, is in
its sixth year of operation. During the year under review,
the Company was able to strengthen its AUM (Asset under
Management) significantly which rose by 75.0% on year
on year basis as of March14 and was able to add one lakh
folios despite weak sentiments prevailing in both debt and
equity markets. The key to this growth was strong focus
on the institutional segment which helped the Company to
grow its debts and money market products coupled with
focus on Systematic Investment Plans (SIPs) for retail
investors. The Company has increased the number of
investor servicing points from 77 to 203 during the year.
There was a substantial growth in Companys average
assets under management (AAUM) during the year which
has placed it among the top 20 mutual funds in India and is
ranked 19th for the month of March, 2014. The Companys
(AAUM) growth was robust on year on year basis and was
at 11% whereas industry growth was at 10.0%, as per the
AMFI (Association of Mutual Funds of India) website. With
equity markets remaining volatile, SIPs continue to be one
of the best ways for the Company to channelize customers
savings into the equity market.
IndiaFirst Life Insurance Company Ltd., a joint venture
company with Legal & General group, commenced its
business operations on 16th November 2009 and has
received an overwhelming response for its products across
the country. The Company has won Model Insurer Award
(Asia) for the three successive years. IndiaFirst garnered
new business registering a year on year growth of 67.0%.
Its industry-wide new business ranking improved from 9th
position last year to 7th position in the current year (Feb 14).
Increase in the new business (NB) premium has improved
the market share from 3.0% last year to 5.0% current year
(Feb 14). Number of customers grew by 46.0% year on year
on account of new distribution tie-ups which include RRBs/
NBFCs/Brokers through Alternate Channel Distribution.
Renewal collection grew by 23.0% year on year leading
to increase in premium income for the Company and
subsequent increase in the policy and premium persistence.
The Companys total revenue increased by 46.0% (y-o-y).
Companys major initiative with the Bank includes launch of
premium option through mobile banking for Bank of Baroda
customers and financial inclusion branch module.
India Infradebt Limited is a joint venture company
with ICICI Bank Limited, ICICI Home Finance Company
Limited, Citicorp Finance (India) Limited and Life Insurance
Corporation of India. The Company was incorporated
on October 31, 2012 in Mumbai and has been issued
registration certificate No.N-13.02039 dated 08.02.2013 by
103
2013-14
the Reserve Bank of India to operate as an Infrastructure

Debt Fund Non Banking Financial Company (IDF-NBFC).
The Companys principal activity is to re-finance part of the
debt liabilities of the Project Companies.
Implementation of Official Language (OL)

Policy
India Infradebt Limited (Infradebt) is Indias first Infrastructure

Debt Fund structured as Non Banking Financial Company
(IDF-NBFC). Infradebtclosely workedwith National
Highways Authority of India, Ministry of Finance (MoF)
and Ministry of Road Transport & Highwaystowards the
successful implementation of IDF framework.
During the year, it became the first IDF-NBFC to berated
AAA by CRISIL in July 2013 for its proposed debenture
issue. Subsequently, in December 2013, ICRA also
assigned a rating of AAA to the debenture issue programme
of Infradebt consequent to the efforts of Infradebt in
convincing various authorities.
Infradebt is primarily focusing on sectors like roads and
ports. During the year, the Board Credit & Risk Committee
has approved provision of financial assistance to a few
proposals in the roads sector, in addition to the sanction
provided to HEL (Himalayan Expressway Ltd.). Furthermore,
Infradebt would constantly keep identifying additional
projects for takeout financing and envisages closing
additional transactions over the next few months.
Baroda Pioneer Trustee Company Pvt. Ltd. Baroda
Pioneer Trustee Company Pvt. Ltd. is the trustee to Baroda
Pioneer Mutual Fund. As a trustee, the Company ensures
that the transactions entered into by Baroda Pioneer Asset
Management Company Limited are in accordance with the
SEBI (Mutual Funds) Regulations, 1996 and also reviews
the activities carried on by the AMC.
(Rs lakh)
Entity (with date of Country
registration)
Owned
Funds
Total
Assets
Net Profit Offices Staff
BOB Capital
Markets Ltd.
(11.03.1996)
India
14,277.82 15,791.55
686.64
38
BOBCARDS Ltd.
(29.09.1994)
India
17,292.00 21,939.00
2,811.00
37
191
6,626.40
7,258.67
(-)982.46
85
5.70
11.95
2.22
Baroda
India
Pioneer Asset
Management Co.
Ltd. (05.11.1992)
Baroda Pioneer
Trustee Co Pvt
Ltd.
(23.12.2011)
India
IndiaFirst Life
India
Insurance Co. Ltd.
(19.06.2008)
60,500.00 7,11,617.59 2,547.35
48
1,549
The Nainital Bank India

Ltd. (31.07.1922)
44,528.00 5,34,259.00 6,542.00
116
843
India Infradebt Ltd. India

(31.10.2012)
32,893.74 33,157.37
11
104
2,092.67
Shri S.S. Mundra, CMD, Shri Ranjan Dhawan, ED and Shri

Prabhat Agrawal , GM along with other dignitaries during
the celebration of Hindi Diwas at Corporate Office, Mumbai
During the period under review, your Bank made noteworthy

progress regarding implementation of Official Language
Policy of Government of India. Besides compliance of
various statutory requirements of Official Language Act
and Rules, your Bank took the initiative of promoting and
utilizing Hindi as a tool for establishing better connect with
customers and ensuring them the best possible service.
Your Bank prepared a well-structured annual action plan for
the achievement of various targets set by the Government of
India under its Annual Implementation Programme 2013-14
and the assurances given to the Committee of Parliament
on Official Language during its visits to various offices/
branches of the Bank. Through continuous monitoring and
regular efforts at various levels, your Bank could achieve
all the major targets of the Programme and fulfilled all the
assurances given to the Committee of Parliament on Official
Language.
The Meetings of Central Official Language Implementation
Committee, presided over by Chairman and Managing
Director of the Bank, were organized regularly on quarterly
basis. Under the guidance received from the Committee,
several new initiatives were taken during the year FY14.
Your Bank took a major initiative of automating the Quarterly
Hindi Progress report submission system in the Bank. The
Bank implemented Pragati online package across the
Bank. The package was made available on the Banks
wide area network. All the operating units, administrative
offices were provided user ID and passwords for submitting
Rajbhasha Reports. Your Bank started sending systemsgenerated letters pertaining to opening of accounts in
bilingual (Hindi-English) format through its Regional Back
Offices. Through this package, every month lakhs of letters
were generated in bi-lingual form which helped the Bank in
meeting to a great extent its targets set under the Official
Language programme. Your Bank brought more branches
under the coverage of an IT programme used to generate
and print pass-books and account statements in Hindi at
the branches situated in linguistic regions A and B. For the
convenience of customers, the facility of getting transaction

slips in Hindi from ATMs was expanded further and now
majority of your Banks ATMs are covered under it. Your
Bank introduced display of screen in additional four Indian
Languages i.e Telugu, Tamil, Malyalam and Kannada
during the year. Your Bank also prepared an InwardOutward package viz. Document Management System for
maintaining records of inward/outward letters as per the
linguistic region-wise reporting requirements of its OL policy.
To increase financial literacy amongst masses, your Bank
prepared cartoon booklets, animation films in Hindi and
also in some regional languages on developing the habit
of saving, features of Kisan Credit Card and on the need
of timely repayment of loans. These cartoon booklets and
animation films were christened as Chhoti Bachat badi
Khushhali, Aam ke aam guthliyon ke daam and Samay
Par Karj Ka Bhugtan, Jindagi Bane Aasaan in their Hindi
edition. Marathi, Gujarati, Bangla, Punjabi editions of these
booklets/films were also released. These Booklets/animation
films were sent to Regional Offices/ Zonal Offices of the
Bank for their effective utililization.
Your Bank has been pioneer in spreading and promoting
the use of Hindi through the forum of Nagar Rajbhasha
Samitis. During the year under review, your Bank, with the
approval of Home Ministry, Government of India constituted
four new Nagar Rajbhasha Samitis. These committees are
functioning at Jodhpur, Rajkot, Surat and Bareilly under
the convenorship of your Bank. Nagar Rajbhasha Samiti,
Baroda and Jaipur are the oldest TOLICs (i.e., Town Official
Language Implementation Committees) working under your
Banks convenorship.
The Third Sub-Committee of parliament on official language
visited your Banks branches/offices at Chitrakoot and
Anand. The Committee also reviewed efforts of your Banks
Corporate Office in its visit to Mumbai. The Committee was
full of praise of the efforts put in by your Bank for promotion
of the use of Hindi language.

inspection of Corporate Office by Parliamentary Sub
Committee on Rajbhasha
Your Banks efforts were well recognised by Government of

India and Reserve Bank of India also. Government of India
awarded your Bank with the 1st Prize in the Indira Gandhi
Rajbhasha Shield Competition consecutively for the second
year. Your Banks Chairman and Managing Director (CMD)
2013-14
received this award from Honorable President of India at

a function held at Vigyan Bhawan, New Delhi on Hindi
Diwas 2013. Further, your Bank was awarded first prize
for C Region and second prizes for Region A and B
by Reserve Bank of India (RBI) under the RBI Rajbhasha
Shield Competition. The Banks In-House Magazine
BOBMAITRI and Hindi Magazine Akshayyam were also
awarded with the third prize by the RBI. Your Banks CMD
received these awards from the Governor of RBI. These
magazines also won two awards from Association of
Business Communicators of India.
Bank receives Reserve Bank Rajbhasha Shield prize in all

5 categories
Your Bank continued with its flagship scheme Medhavi

Vidyarthi Samman Yojana for popularising Hindi amongst
the students community. Under this scheme, cash prizes
and commendation certificates signed by your Banks CMD
are given to those students who have scored highest marks
in M.A.(Hindi). This scheme, at present, is applicable in 64
universities of the country.
Your Bank has published three books in Hindi during the
year viz.Proudyogiki aur Grahak Seva, Thodi Si Dhoop
and Maharaja Sayaji Rao Gaekwad III, for providing
qualitative reading material in the Hindi language.

release of new publications related to Rajbhasha
Board of Directors
Shri Bhuwanchandra B. Joshi appointed as a Whole
Time Director (designated as Executive Director) w.e.f.
05.08.2013 by the Central Government u/s 9 (3) (a) of
105
2013-14
accounts for the year ended March 31, 2014:

The applicable accounting standards have been

followed along with proper explanation relating to
material departures, if any;
The accounting policies framed in accordance with

the guidelines of the Reserve Bank of India, were
consistently applied.
Reasonable and prudent judgment and estimates were

made so as to give true and fair view of the state of
affairs of your Bank at the end of financial year and
of the profit of your Bank for the year ended on March
31, 2014;
Proper and sufficient care was taken for the maintenance

of adequate accounting records in accordance with the
provisions of the applicable laws governing banks in
India; and
The accounts have been prepared on a going concern

basis.
At the Festival Cricket Match between Board of Directors

and Top Management, Mumbai
The Banking Companies (Acquisition and Transfer of

Undertakings) Act,1970, to hold office up to 31.12.2016
i.e. the date of his superannuation or until further orders,
whichever is earlier.
Dr. K. P. Krishnan, IAS, nominated as a non executive
Director, representing Government of India, w.e.f. 19-022014, vice Shri Alok Nigam, IAS.
Shri Sudhir Kumar Jain appointed as a Whole Time
Director (designated as Executive Director) ceased to be
a Director with effect from 08.07.2013 on his elevation as
Chairman and Managing Director of Syndicate Bank.
Shri Ajay Mathur, a part time non- official Director/Non
executive director, ceased to be a Director with effect from
04.05.2013 on completion of his term.
Shri Satya Dev Tripathi, a part time non- official Director/
non executive director ceased to be a Director with effect
from 30.08.2013 on completion of his term.
Shri V.B. Chavan, a part time non- official Director / Non
executive director ceased to be a Director with effect from
31.01.2014 on attaining the age of superannuation.
Shri Alok Nigam, IAS, a part time non- official Director/
Non executive director ceased to be a Director with effect
from 18.02.2014 on the nomination of Dr. K.P. Krishnan,
IAS, in his place.
Directors Responsibility Statement

The Directors confirm that in the preparation of the annual
106
Acknowledgement
The Directors express their sincere thanks to the Government
of India, Reserve Bank of India, Securities and Exchange
Board of India, other regulatory authorities, various financial
institutions, banks and correspondents in India and abroad
for their valuable guidance and support.
The Directors acknowledge with appreciation the assistance
and cooperation extended by all stakeholders of your Bank
like customers, shareholders and well wishers in India and
abroad.
The Directors place on record deep appreciation for the hard
work and dedication of the members of your Banks staff
at different levels, which enabled your Bank to record high
quality, consistent growth year after year despite economic
challenges and consolidate its position as one of the premier
banks in the country.
For and on behalf of the Board of Directors,
S. S. Mundra
2013-14
keeHeexjs ieJeveXme efjHees& 2013-14
Report on Corporate Governance 2013-14

1.

ieJeveXme mebefnlee kes yeejs ceW yeQke kee oMe&ve

yeQke, Glke=lee heehle kejves nsleg mebmeeOeveeW kes Flece Gheeesie kes meeLe
DeefOekelece heefleHeue heehle kejves leLee meYeer mlejeW hej keee&efve<heeove
megefveeqele kejles ngS, MesejOeejkeeW kes efnleeW keer j#ee kejles ngS leLee Gvekes
cetueeW ceW DeefYeJe=ef kes efueS Deheves melele heeeme peejer jKesiee. yeQke ve kesJeue
meebefJeefOeke DeeJeMekeleeDeeW kee Devegheeueve kejsiee yeequke mJesehetJe&ke ke[er
keeheexjs ieJeveXme heefleeeW kees efve<heeefole kejles ngS Gvekee heeueve Yeer kejsiee.
yeQke heleske #es$e ceW Glke=lee neefmeue kejves kes efueS vewefleke cetueeW kes Ge
ceevekeeW, heejoe|Melee leLee, DevegMeeefmele eqkeesCe Deheveeves ceW efJeeeme jKelee
nw. yeQke Glke= Debleje&êre ceeveoC[eW kes Devegheeueve kes heefle Yeer heefleye nw.
yeQke Deheves meYeer efnleOeejkeeW, efpemeceW MesejOeejke, ieenke, mejkeej Deewj
Jeeheke leewj hej pevelee Yeer Meeefceue nw, kees DeefOekelece ueeYe hengbeeves kes efueS
meIeve heeeme kejlee jnsiee.
yeQke Ske meteerye efvekeee nw, pees Ske kecheveer veneR nw, Deefheleg yeQkekeejer
kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 DeLee&led
yeQkekeejer kebheveer Depe&ve DeefOeefveece kes lenle efvekeee keeheexjs nw leLee
Yeejleere efj]peJe& yeQke eje efJeefveeefcele neslee nw, Dele meke SkemeeWpees kes
meeLe efkeS ieS meteereve kejej kes mebMeesefOele GheKeC[ 49 kes heeJeOeeveeW kee
Gme meercee leke heeueve kejsiee, peneb leke yeQkekeejer kebheveer (GheeceeW kee
Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 kes heeJeOeeveeW Deewj Fme mebyebOe ceW
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kee GuuebIeve veneR neslee nw.
2.
efveosMeke ceb[ue
2.1 efveosMeke ceb[ue kee mJehe
ece meb.
efveosMeke ceb[ue kee ie"ve yeQeEkeie efJeefveece DeefOeefveece 1949, yeQeEkeie

kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 eLee
mebMeesefOele leLee jeêreke=le yeQke (heyebOeve SJeb efJeefJeOe heeJeOeeve)
eespevee 1970 (eLee mebMeesefOele) kes heeJeOeeveeW eje Meeefmele neslee nw.
31 ceee& 2014 keer eqmLeefle kes Deveghe efveosMeke ceC[ue kee mJehe
efvecveevegmeej nw:
veece
Name
Heoveece
Position Held
Sr.
No.
1.

BANKS PHILOSOPHY ON CODE OF GOVERNANCE

The Bank shall continue its endeavor to enhance its
shareholders value by protecting their interest by
ensuring performance at all levels and maximizing
returns with optimal use of resources in its pursuit of
excellence. The Bank shall comply with not only the
statutory requirements but also voluntarily formulate
and adhere to a set of strong Corporate Governance
practices. The Bank believes in setting high standards of
ethical values, transparency and a disciplined approach
to achieve excellence in all its sphere of activities. The
Bank is also committed to follow the best international
practices. The Bank shall strive hard to best serve the
interests of its stakeholders comprising shareholders,
customers, Government and society at large.
The Bank is a listed entity, which is not a company

but body corporate under The Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970
and is regulated by Reserve Bank of India. Therefore
the Bank shall comply with the provisions of Clause
49 of the Listing Agreement entered into with Stock
Exchanges to the extent it does not violate the provisions
of The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 and the Guidelines issued by
Reserve Bank of India in this regard.
2.
BOARD OF DIRECTORS
2.1 Composition of the Board
The composition of Board of Directors of the Bank

is governed by the provisions of The Banking
Regulation Act, 1949, The Banking Companies
(Acquisition & Transfer of Undertakings) Act,
1970, as amended and The Nationalized Banks
(Management & Miscellaneous Provisions) Scheme,
1970, as amended.
The composition of Board of Directors of the Bank as

on 31st March, 2014 is as under:
31.3.2014 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of Membership/
No.
of
No.
of
DirectormebKee
membership held in other Chairmanship held
No. of equity
in Sub Committees
shares of the ship in Sub Companies i.e.
of the Board in
Bank held as -Committees Other than the
other Companies
of
the
Bank
Bank
on 31.3.2014
eer Sme.Sme. cetbo[e

Shri S. S.
Mundra
DeOe#e SJeb heyebOe

efveosMeke (keee&heeueke)
Chairman
and Managing
Director
(Executive)
51 0
12
efHHeefCeeeb (yeQke / Deve kebHeefveeeW

ceW efveegefkele kee mJeHe)
(31.03.2014 kees)
Remarks (Nature of appointment in the

Bank / other Companies)
(As on 31.03.2014)
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece 1970

keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 21.01. 2013 mes yeQke
kes DeOe#e SJeb heyevOe efveosMeke kes he ceW efveege. Jes 31.07.2014
leke DeLee&le Deheveer DeefOeJee|<elee keer leejerKe leke DeLeJee Deeieeceer
DeeosMeeW leke, pees Yeer henues nes, Deheves heo hej jnWies.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ(i) yee@ye kee[dme& efueefces[
(ii) Yeejleere efveee&le Deeeele yeQke
107

ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
2013-14
31.3.2014 kees
yeQke keer
No. of
No. of Director- No. of Membership/
mebKee
No. of equity
ship
in Sub Companies i.e. in Sub Committees
shares of the
of the Board in
other Companies
Bank
on 31.3.2014 of the Bank

(31.03.2014 kees)

(As on 31.03.2014)
(iii) yeQke Dee@]He ye[ewoe (etieeb[e) efue.

(iv) yeQke Dee@]He ye[ewoe (vetpeerueQ[) efue.
(v) Fbef[ee FvjvesMeveue yeQke ceuesefMeee yeerSe[er (DeeF&DeeF&yeerSceyeer)
(vi) ye[ewoe heeeesefveej Demes cewvespeceW keb. efue.
(vii) Fbef[ee Hem& ueeFHe FbMetjWme keb. efue.
Appointed as the Chairman and Managing
Director of the Bank w.e.f. 21.01.2013 by
the Central Government u/s 9 (3) (a) of The
Banking Companies (Acquisition and Transfer
of Undertakings) Act, 1970 to hold the office till
31.07.2014 i.e. the date of his superannuation or
until further orders, whichever is earlier.
He is also Director on the Board of :
(i) BOBCARDS Ltd.
(ii) Export-Import Bank of India
(iii) Bank of Baroda (Uganda) Ltd.
(iv) Bank of Baroda (New Zealand) Ltd.
(v) India International Bank Malaysia Bhd.
(IIBMB)
(vi) Baroda Pioneer Asset Management Co. Ltd.
(vii) IndiaFirst Life Insurance Co
eer efhe.eerefveJeeme
Shri P. Srinivas
keee&heeueke efveosMeke
(keee&heeueke)
Executive
Director
(Executive)
Metve
NIL
11
Metve
NIL

keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 18.06. 2012 mes
hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes
he ceW efveege. Jes 30.06.2016 leke DeLee&le Deheveer DeefOeJee|<elee keer
leejerKe leke DeLeJee Deeieeceer DeeosMeeW leke, FveceW mes pees Yeer henues
nes, leke Deheves heo hej jnWies. Jes efvecveefueefKele efveosMeke ceC[ueeW ceW
Yeer efveosMeke nQ(i) yeQke Dee@He ye[ewoe iegeevee DeeF&Svemeer
(ii) yeQke Dee@He ye[ewoe (ef$eefveoeo SJeb esyesiees) efueefces[
(iii) Fbef[ee Hem& ueeF&He FbMeesjWme keb. efue.
(iv) Fb[es-peebefyeee yeQke
(v) SveheermeerDeeF&
Appointed as a Whole Time Director
(designated as Executive Director) w.e.f.
18.06.2012 by the Central Government u/s 9
(3) (a) of The Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970, to
hold office up to 30.06.2016 i.e. the date of
his superannuation or until further orders,
He is also Director on the Board of:
(i) Bank of Baroda Guyana Inc.
(ii) Bank of Baroda (Trinidad & Tobago) Ltd.
(iii) IndiaFirst Life Insurance Co. Ltd.
(iv) Indo-Zambia Bank
(v) NPCI
108
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
31.3.2014 kees
yeQke keer
No. of
mebKee
No. of equity
in Sub Committees
of the Board in
other Companies
Bank
eer jbpeve OeJeve

Shri Ranjan
Dhawan
(keee&heeueke)
Metve
10
NIL
Metve
NIL
Executive
Director
(Executive)
2013-14

(31.03.2014 kees)

(As on 31.03.2014)

keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 01.11. 2012 mes
he ceW efveege. Jes 30.09.2015 leke DeLee&le Deheveer DeefOeJee|<elee keer
leejerKe leke DeLeJee Deeieeceer DeeosMeeW leke, FveceW mes pees Yeer henues nes,
leke Deheves heo hej jnWies.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ(i) yee@ye kewefheue ceekex efueefces[ (DeOe#e)
(ii) yee@ye (keerefveee) efue. (DeOe#e)
(iii) yee@ye (lebpeeefveee) efue. (DeOe#e)
He is also a Director on the Board of:
(i) BOB Capital Markets Ltd. (Chairman)
(ii) BOB (Kenya) Ltd.(Chairman)
(iii) BOB (Tanzania) Ltd. (Chairman)
eer YegJeveeb yeer. peesMeer
(keee&heeueke)
Shri
Bhuwanchandra Executive
B. Joshi
Director
(Executive)
Metve
NIL
10
Metve
NIL
yeQkekeejer kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970

keer Oeeje 9(3) (yeer) kes lenle kesv mejkeej eje 05.08. 2013 mes
he ceW efveege. Jes 31.12.2016 leke DeLee&le Deheveer DeefOeJeef<e&lee keer
leejerKe leke DeLeJee Deeieeceer DeeosMeeW leke, FveceW mes pees Yeer henues nes,
leke Deheves heo hej jnWies.
Jes efvecveefueefKele efveosMeke ceb[ueeW ceW Yeer efveosMeke nQ (i) yeQke Dee@]He ye[ewoe (Ieevee) efue.
(ii) yeQke Dee@]He ye[ewoe (yeeslmeJeevee) efue. (DeOe#e)
(i) Bank of Baroda (Ghana) Ltd.
(ii) Bank of Baroda (Botswana) Ltd. (Chairman)
109
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
2013-14
31.3.2014 kees
yeQke keer
No. of
mebKee
No. of equity
in Sub Committees
of the Board in
other Companies
Bank
[e@. kes. heer. ke=<Ceve,

DeeF&SSme
Dr. K.P.
Krishnan,
IAS
efveosMeke (iewj
keee&heeueke) keW
mejkeej kes eefleefveefOe
Metve
NIL
Metve
NIL
Director
(Non
Executive)
Representing
Central
Government

(31.03.2014 kees)

(As on 31.03.2014)

keer Oeeje 9(3) (meer) kes lenle kesv mejkeej eje 19.02. 2014
mes efveosMeke kes he ceW veeefcele. Jes Deeieeceer DevegosMeeW leke Deheves heo
hej jnWies.
Jes efvecveefueefKele efveosMeke ceb[ue ceW Yeer efveosMeke nQ (i) vesMeveue efmkeue [sJeuesheceW keeheexjsMeve
Nominated as a Director w.e.f. 19.02.2014 by
The Central Government u/s 9 (3) (b) of The
of Undertakings) Act, 1970 to hold the post
until further orders.
(i) National Skill Development Corporation.
eer megoMe&ve mesve

Shri Sudarshan
Sen
efveosMeke (iewj
keee&heeueke) Yeejleere
efj]peJe& yeQke eje
veeefcele efveosMeke
Metve
NIL
Metve
Metve
NIL
NIL
Director
(Non
Executive)
Reserve Bank
of India (RBI)
nominee
Director
7
eer efJeefveue kegceej mekemesvee efveosMeke (iewj

Shri Vinil Kumar keee&heeueke)
kece&eeefjeeW kes
Saxena
heefleefveefOe
Director
(Non
Executive)
Representing
Workmen
110

keer Oeeje 9(3) (meer) kes lenle kesv mejkeej eje 30.05. 2011
keer heYeeJeer leejerKe mes veeefcele. Jes Deeieeceer DeeosMeeW leke Fveces pees Yeer
henues nes, Deheves heo hej jnWies.
Nominated as a Director w.e.f. 30.05.2011 by
the Central Government u/s 9 (3) (c) of The
of Undertakings) Act, 1970 to hold the post
620
Metve
Metve
NIL
NIL

keer Oeeje 9(3) (F&) kes lenle kesv mejkeej eje 25.07. 2011 keer
heYeeJeer leejerKe mes Jeke&cewve kece&eejer efveosMeke kes he ceW efveege.
Jes leerve Je<e& keer DeJeefOe kes efueS ee yeQke Dee@]He ye[ewoe kes Jeke&cesve
kece&eejer jnves Deeieeceer DeeosMeeW leke Fveces pees Yeer henues nes, Deheves
heo hej jnWies.
Appointed as a Workmen Employee Director
w.e.f.25.07.2011 by the Central Government
u/s 9 (3) (e) of the Banking Companies
(Acquisition and Transfer of Undertakings)
Act, 1970 for a period of three years or till
he ceases to be workmen employee of Bank
of Baroda or until further orders, whichever
is earlier.
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
31.3.2014 kees
yeQke keer
No. of Membership/
No.
of
No.
of
DirectormebKee
No. of equity
in Sub Committees
of the Board in
other Companies
of
the
Bank
Bank
on 31.3.2014
eer ceewefueve DejeEJeo Jew<CeJe efveosMeke (iewj

keee&heeueke) kesv
Shri Maulin
Arvind Vaishnav mejkeej mes efYeVe
MesejOeejkeeW ceW mes
efveJee&efele
125
Metve
Metve
NIL
NIL
Director
(Non Executive)
amongst
Shareholders,
other than
Central
Shri Surendra
Singh
Bhandari
efveosMeke (iewj
keee&heeueke) kesv
mejkeej mes efYeVe
efveJee&efele
Director
(Non Executive)
Elected from

(As on 31.03.2014)
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece,

1970 keer Oeeje 9(3) (DeeF&) kes lenle 23.12. 2011 kees Deeeesefpele
F&peerSce ceW yeQke kes kesv mejkeej mes efYeVe Mesej OeejkeeW eje
24.12. 2011 mes 23.12.2014 leke 3 Je<e& kes efueS hegve: efveJee&efele,
efveJee&efele nesves mes henues 24.12. 2008 mes 23.12.2011 leke Jes yeQke
kes Mesej Oeejke efveosMeke Yeer Les.
Prior to his re-election, he was also a

shareholder director of the Bank from
24.12.2008 to 23.12.2011.
Government
eer megjsv eEmen Yeb[ejer

(31.03.2014 kees)
Re-Elected as a Director by shareholders of

the Bank other than the Central Government
u/s 9 (3) (i) of The Banking Companies
Act, 1970 at the Extra Ordinary General
Meeting held on 23.12.2011 for a period of
-3- years from 24.12.2011 to 23.12.2014.
Elected from
2013-14
200

keer Oeeje 9(3) (DeeF&) kes lenle 23.12.2011 kees Deeeesefpele F&peerSce
ceW yeQke kes kesv mejkeej mes efYeVe Mesej OeejkeeW eje 24.12.2011 mes
23.12.2014 leke 3 Je<e& kes efueS efveJee&efele.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ:
(i) JewYeJe iueesyeue efue.
(ii) SefMeeve nesume (Jesm) efueefces[
amongst
Shareholders,
Elected as a Director by shareholders of the Bank
other than
other than the Central Government u/s 9 (3) (i) of
Central
The Banking Companies (Acquisition and Transfer
Government
of Undertakings) Act, 1970 at the Extra Ordinary

General Meeting held on 23.12.2011 for a period of
-3- years from 24.12.2011 to 23.12.2014.
(i) Vaibhav Global Ltd.
(ii) Asian Hotels (West) Ltd..
111
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
10
2013-14
31.3.2014 kees
yeQke keer
No. of Membership/
No.
of
No.
of
DirectormebKee
No. of equity
in Sub Committees
of the Board in
other Companies
of
the
Bank
Bank
on 31.3.2014
eer jepeerye mesKej meent

Shri Rajib
Sekhar
Sahoo
efveosMeke (iewj
keee&heeueke) kesv
mejkeej mes efYeVe
efveJee&efele
Director
(Non Executive)
Elected from
amongst
Shareholders,
other than
Central
Government
200

(31.03.2014 kees)

(As on 31.03.2014)
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece

1970 keer Oeeje 9(3) (DeeF&) kes lenle 23.12. 2011 kees Deeeesefpele
F&peerSce ceW yeQke kes kesv mejkeej mes efYeVe Mesej OeejkeeW eje
24.12. 2011 mes 23.12.2014 leke 3 Je<e& kes efueS efveJee&efele.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ:
(i) Sveerheermeer efue.
(ii) efnjer neF&[ês [sJeueheceW keeheexjsMeve Fbef[ee efue.
(iii) efnvogmleeve eEpeke efue.
(iv) jeêre Fmheele efveiece efue.
(v) Dees[ermee ms efmeefJeue mehueeF&pe keeheexjsMeve efue.
Elected as a Director by shareholders of the
Bank other than the Central Government
u/s 9 (3) (i) of The Banking Companies
Act, 1970 at the Extra Ordinary General
Meeting held on 23.12.2011 for a period of
3 years from 24.12.2011 to 23.12.2014.
(i) NTPC Ltd.
(ii) Tehri Hydro. Development Corporation
India Ltd. (THDC)
(iii) Hindustan Zinc Ltd.
(iv) Rashtriya Ispat Nigam Ltd.
(v) Odisha State Civil Supplies Corporation
Ltd.
112
2013-14
2.2 Appointment / Cessation of Directors During The Year
2.2 Je<e& kes oewjeve efveosMekeeW keer efveegefkele / keee&meceeefHle
Shri Bhuwanchandra B. Joshi appointed as a Whole

Time Director (designated as Executive Director) w.e.f.
05.08.2013 by the Central Government u/s 9 (3) (a) of
Undertakings) Act,1970, to hold office up to 31.12.2016
i.e. the date of his superannuation or until further orders,
[e@. kes. heer. ke=<Ceve, DeeF&SSme, efoveebke 19.02.2014 mes eer Deeueeske efveiece,
DeeF&SSme kes mLeeve hej Yeejle mejkeej kes eefleefveefOe kes he ceW iewj keee&heeueke
efveosMeke kes he ceW veeefcele.
Dr. K. P. Krishnan, IAS, nominated as a non executive

Director, representing Government of India, w.e.f. 19-022014, vice Shri Alok Nigam, IAS.
eer megOeerj kegceej pewve, hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele) kes he ceW efveege leLee efmeb[erkes yeQke ceW DeOe#e SJeb eyebOe efveosMeke kes
he ceW Deheveer efveegefe nesves kes heefjCeecemJehe efveosMeke kes he ceW veneR jns.
Shri Sudhir Kumar Jain appointed as a Whole Time

Director (designated as Executive Director) ceased to be
a Director with effect from 08.07.2013 on his elevation as
Chairman and Managing Director of Syndicate Bank.
eer Depee ceeLegj, DebMekeeefueke DeMeemekeere efveosMeke / iewj keee&heeueke efveosMeke

Dehevee keee&keeue meceehle nesves hej 04.05.2013 mes efveosMeke kes he ceW veneR jns.
eer meleosJe ef$ehee"er, DebMekeeefueke DeMeemekeere efveosMeke / iewj keee&heeueke

efveosMeke Dehevee keee&keeue meceehle nesves hej 30.08.2013 mes efveosMeke kes he ceW
veneR jns.
Shri Ajay Mathur, a part time non- official Director/Non

executive director, ceased to be a Director with effect
Shri Satya Dev Tripathi, a part time non- official Director/

non executive director ceased to be a Director with effect
eer Jeer. yeer. eJneCe, DebMekeeefueke DeMeemekeere efveosMeke / iewj keee&heeueke efveosMeke
DeefOeJeef<e&lee keer Deeeg nesves hej 31.01.2014 mes efveosMeke kes he ceW veneR jns.
Shri V.B. Chavan, a part time non- official Director / Non

executive director ceased to be a Director with effect
from 31.01.2014 on attaining the age of superannuation.
eer Deeueeske efveiece, DeeF&SSme, DeMeemekeere efveosMeke / iewj keee&heeueke

efveosMeke Gvekes mLeeve hej [e@. kes. heer. ke=<Ceve, DeeF&SSme kee veeceebkeve nesves kes
keejCe 18.02.2014 mes efveosMeke kes he ceW veneR jns.
Shri Alok Nigam, IAS, a part time non- official Director/

Non executive director ceased to be a Director with effect
from 18.02.2014 on the nomination of Dr. K.P. Krishnan,
IAS, in his place.
eer YegJeveeb yeer. peesMeer, yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 05.08.2013
mes hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes he ceW
31.12.2016 leke DeLeJee Deheveer DeefOeJee|<elee keer leejerKe leke DeLeJee Deeieeceer
DeeosMeeW, FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies.
2.3 efveosMeke ceb[ue keer yew"keW
2.3 Board Meetings
efJeeere Je<e& 2013-14 kes oewjeve efveosMeke ceC[ue keer -20- yew"keW efvecveevegmeej
Deeeesefpele keer ieF&, peyeefke jeêreke=le yeQke (heyevOeve SJeb efJeefJeOe heeJeOeeve)
eespevee 1970 kes KeC[ 12 kes Debleie&le efveOee&efjle vetvelece -6- yew"keW Deeeesefpele
kejvee DeefveJeee& nw.
During the Financial Year 2013-14, twenty Board

Meetings were held on the following dates as against
minimum of six meetings prescribed under Clause
12 of The Nationalized Banks (Management and
Miscellaneous Provisions) Scheme, 1970.
05.04.13
06.04.13
29.04.13
12.05.13
13.05.13
26.06.13
20.07.13
31.07.13
01.08.13
31.08.13
28.09.13
10.10.13
30.10.13
31.10.13
03.12.13
15.01.14
05.02.14
06.02.14
02.03.14
03.03.14
113
2013-14
efveosMeke ceb[ue keer Gheeg&e yew"keeW ceW efveosMekeeW keer GheeqmLeefle kee yeewje efvecveevegmeej
nw, pees Gvekes keee&keeue mes mebye nw:
efveosMeke kee veece
The details of attendance of the Directors at the aforesaid Board

Meetings held during their respective tenure are as under:
Name of the Director
DeJeefOe
Gvekes keee&keeue kes oewjeve

Deeeesefpele yew"keW
yew"keW efpeveceW
Yeeie efueee
01.04.2013 to 31.03.2014
20
20
01.04.2013 to 31.03.2014
20
20
Period
Meetings Held
During Their Tenure
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
Shri P. Srinivas
eer megOeerj kegceej pewve
Shri Sudhir Kumar Jain
eer jbpeve OeJeve
Shri Ranjan Dhawan
Shri Bhuwanchandra B. Joshi
eer Deeueeske efveiece
Shri Alok Nigam
[e@. kes. heer. ke=<Ceve
Dr. K.P. Krishnan
eer megoMe&ve mesve
Shri Sudarshan Sen
eer efJeefveue kegceej mekemesvee
Shri Vinil Kumar Saxena
eer Jeer.yeer.eJneCe
Shri V.B. Chavan
eer Depee ceeLegj
Shri Ajay Mathur
eer mele osJe ef$ehee"er
Shri Satya Dev Tripathi
eer ceewefueve DejefJevo Jew<CeJe
Shri Maulin Arvind Vaishnav
eer megjsv Sme.YeC[ejer
Shri Surendra S. Bhandari
Shri Rajib Sekhar Sahoo
2.4 Deeeej mebefnlee
efveosMeke ceC[ue leLee Jeefj heyevOeve keee|ceke DeLee&le keesj heyevOeve
erce, efpemeceW meYeer ceneheyevOeke leLee efJeYeeie hecegKe Meeefceue nQ, kes efueS
me@ke SkemeeWpeeW kes meeLe meteeryelee kejej kes KeC[ 49 keer Devegheeuevee ceW,
Deeeej mebefnlee efveosMeke ceC[ue eje Devegceesefole kej oer ieF& nw. Ge Deeeej
mebeqnlee yeQke keer yesyemeeF& www.bankofbaroda.com hej Yeer
osKeer pee mekeleer nw. efveosMeke ceC[ue kes meYeer meomeeW leLee Jeefj heyevOeve
keee|cekeeW ves Deeeej mebefnlee kes Devegheeueve keer hegef< kej oer nw.
3. Jeee|<eke meeceeve yew"ke

yeQke kes Mesej OeejkeeW keer Jeee|<eke meeceeve yew"ke Je[esoje ceW iegJeej, 26
petve, 2013 kees Deeeesefpele ngF& Leer, efpemeceW efvecve efueefKele efveosMeke GheeqmLele
Les.
Meetings
Attended
01.04.2013 to 08.07.2013
01.04.2013 to 31.03.2014
20
18
05.08.2013 to 31.03.2014
11
01.04.2013 to 18.02.2014
18
19.02.2014 to 31.03.2014
01.04.2013 to 31.03.2014
20
16
01.04.2013 to 31.03.2014
20
20
01.04.2013 to 31.01.2014
16
16
01.04.2013 to 04.05.2013
01.04.2013 to 30.08.2013
01.04.2013 to 31.03.2014
20
18
01.04.2013 to 31.03.2014
20
18
01.04.2013 to 31.03.2014
20
19
2.4 Code of Conduct:

The Code of Conduct for Board of Directors and Senior

Management Personnel i.e. Core Management Team
comprising all General Managers and Departmental
Heads, has been approved by the Board of Directors
in compliance of Clause 49 of the Listing Agreement
with Stock Exchanges. The said Code of Conduct is
posted on Banks website www.bankofbaroda.com. All
the Board Members and Senior Management Personnel
have since affirmed the compliance of the Code.
3. ANNUAL GENERAL MEETING

The Annual General Meeting of the shareholders of

the Bank was held on Wednesday, 26th June, 2013 at
Vadodara, where the following Directors were present.
1. eer Sme.Sme.cetbo[e
Shri S. S. Mundra
DeOe#e SJeb heyevOe efveosMeke
2. eer
3. eer
4. eer
5. eer
6. eer
Shri P. Srinivas
Executive Director

Shri Ranjan Dhawan
Shri Alok Nigam
efveosMeke
efveosMeke
efveosMeke
efveosMeke (DeOe#e Smeeryeer)
Shri V.B. Chavan
efveosMeke
Executive Director
Executive Director
Director- (Non- Executive) GOI Nominee
Director -(Non- Executive)-Representing
Workmen
Director - (Non- Executive) Representing
Officer Employee
Director (Non- Executive)
efhe.eerefveJeeme
megOeerj kegceej pewve
jbpeve OeJeve
Deeueeske efveiece
efJeefveue kegceej mekemesvee
7. eer Jeer. yeer. eJneCe
8. eer mele osJe ef$ehee"er

efveosMeke
9. eer ceewefueve DejefJevo Jew<CeJe Shri Maulin Arvind Vaishnav efveosMeke (iewj keee&heeueke) Mesej
OeejkeeW kes heefleefveefOe
10. eer Sme.Sme. YeC[ejer
efveosMeke (iewj keee&heeueke) Mesej
OeejkeeW kes heefleefveefOe
11. eer jepeerye mesKej meent
efveosMeke SJeb DeOe#e - uesKee hejer#eCe
meefceefle Mesej OeejkeeW kes heefleefveefOe
(iewj keee&heeueke)
114
Director - (Non- Executive) Representing

Shareholders
Director (Non- Executive) -Representing
Shareholders
Director & Chairman Audit Committee
- Representing Shareholders (NonExecutive)

4. efveosMekeeW/keee&heeuekeeW keer meefceefle/Ghemeefceefle

yeQke kes efveosMeke ceC[ue ves keeheexjs ieJeveXme leLee peesefKece heyevOeve heCeeueer
hej Yeejleere efjpeJe& yeQke / mesyeer / Yeejle mejkeej kes efoMeeefveoxMeevegmeej
efvecveevegmeej keee&veerefle kes cenJehetCe& #es$eeW hej efveiejeveer jKeves nsleg efveosMekeeW
Deewj/ee keee&heeuekeeW keer efJeefYeVe meefceefleeeW kee ie"ve efkeee nw. efveosMeke
ceC[ue eje ieef"le cenJehetCe& meefceefleeeB efvecveevegmeej nQ:
l
efveosMeke ceC[ue keer heyevOeve meefceefle (Scemeeryeer)

l
efveosMeke ceC[ue keer $e+Ce Devegceesove meefceefle (meerSmeeryeer)

l
yees[& keer uesKee hejer#ee meefceefle (Smeeryeer)

l
Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe meefceefle (meerSmeeryeer)

l
Mesej/ yeeb[ DeblejCe meefceefle

l
yees[& keer Deeeqmle oselee heyevOeve leLee peesefKece heyevOeve Ghemeefceefle

l
ieenke mesJee meefceefle

l
heeefjeefceke meefceefle

l
veeceebkeve meefceefle

l
efveosMekeeW keer meefceefle

l
ye[er jeefMe keer OeesKeeOe[er mecyevOeer meefceefle

l
efveosMeke ceC[ue keer metevee heeweesefiekeer keee&veerefle mecyevOeer meefceefle

l
efveosMeke ceC[ue keer ceeveJe mebmeeOeve mecyevOeer mebeeueve mecyevOeer

meefceefle
l
Jemetueer efveiejeveer meefceefle

l
Mesej Oeejke efveosMekeeW kes egveeJe kes efueS GcceeroJeejeW kees meceLe&ve

osves mebyebOeer meefceefle
4.1 efveosMeke ceb[ue keer heyebOeve meefceefle (Scemeeryeer)

yees[& keer heyevOeve meefceefle kee ie"ve efJee ceb$eeuee, Yeejle mejkeej eje
efkeS ieS mebMeesOeveeW kes meeLe heef"le jeêreke=le yeQke (heyevOeve SJeb efJeefJeOe
heeJeOeeve) eespevee, 1970 (eLee mebMeesefOele) kes KeC[ 13 kes DevegmejCe ceW
efkeee ieee nw pees DeleefOeke cenJehetCe& keejesyeejer ceeceues leLee DeefOeke
jeefMe kes $e+Ce hemleeJe cebpetj kejves, mecePeewlee/yee Keelee hemleeJe, hetbpeeriele
SJeb jepemJe Jee keer mJeerke=efle, heefjmej, efveJesMe, oeve Deeefo hej efJeeej
kejleer nw.
meefceefle ceW DeOe#e SJeb heyevOe efveosMeke, keee&heeueke efveosMeke (ieCe)

Deewj Oeeje 9(3) (meer) SJeb 9(3) (peer) kes lenle Yeejle mejkeej eje
veeefcele efveosMeke leLee yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece, 1970 keer Oeeje 9(3) keer GheOeeje (F&) (SHe) (Se) Je (DeeF&)
kes lenle efveege efveosMekeeW ceW mes leerve efveosMekeeW kee meceeJesMe nw.
31 ceee& 2014 kees meefceefle keer mebjevee Fme hekeej nw.
(i)
eer Sme.Sme.cetbo[e
(ii) eer efhe.eerefveJeeme
(iii) eer jbpeve OeJeve
(iv) eer YegJeveeb yeer. peesMeer
(v) eer megoMe&ve mesve
(vi) eer efJeefveue kegceej mekemesvee
(vii) eer jepeerye mesKej meent
(viii) eer megjsv efmebn Yeb[ejer
-
-
-
-
-
-
-
-
DeOe#e SJeb heyevOe efveosMeke

efveosMeke (iewj keee&heeueke)
2013-14
4. COMMITTEE / SUB-COMMITTEE OF DIRECTORS /

EXECUTIVES

The Board of Directors of the Bank has constituted
various Committees of Directors and / or Executives
to look into different areas of strategic importance in
terms of Reserve Bank of India / SEBI / Government
of India guidelines on Corporate Governance and Risk
Management. The important Committees are as under :
l
Management Committee of the Board (MCB)
l
Credit Approval Committee of the Board (CACB)
l
Audit Committee of the Board (ACB)
l
Shareholders / Investors Grievances Committee
l
Share /Bond Transfer Committee
l
Sub Committee of the Board on ALM & Risk
Management
l
Customer Service Committee
l
Remuneration Committee
l
Nomination Committee
l
Committee of Directors
l
Committee on High Value Frauds
l
IT Strategy Committee of the Board
l
Steering Committee of the Board on HR
l
Committee for Monitoring of Recovery
l
Committee to Support Candidates for Election of
Shareholder Directors
4.1 Management Committee of the Board ( MCB )

In pursuance of Clause 13 of The Nationalized Banks
(Management and Miscellaneous Provisions) Scheme,
1970 (as amended) read with the amendments made
by the Ministry of Finance, Government of India,
a Management Committee of the Board has been
constituted to consider various business matters of
material significance like sanction of high value credit
proposals, compromise / write-off proposals, sanction of
capital and revenue expenditure, premises, investments,
donations etc.

The Committee consists of Chairman and Managing
Director, Executive Director (s) and Directors nominated
by Government of India under Section 9 (3) (c) and 9 (3)
(g) and three Directors from amongst those appointed
under sub section (e) (f) (h) and (i) of section 9(3) of
Undertakings) Act, 1970.

The composition of the Committee as on 31st March
2014 is as under:
(i) Shri S. S. Mundra
- Chairman and
Managing Director
(ii) Shri P. Srinivas
- Executive Director
(iii) Shri Ranjan Dhawan
(iv) Shri Bhuwanchandra B.Joshi - Executive Director
(v) Shri Sudarshan Sen
- Director (Non- Executive)
(vi) Shri Vinil Kumar Saxena
(vii) Shri Rajib Sekhar Sahoo
(viii) Shri Surendra Singh Bhandari - Director (Non- Executive)
115
2013-14
efJeeere Je<e& 2013-2014 kes oewjeve yees[& keer heyebOeve meefceefle (Sceyeeryeer) keer
efvecveebefkele leejerKeeW kees 24 yew"keW Deeeesefpele ngF&29.04.13
12.05.13
22.05.13
10.06.13
21.06.13
08.07.13
19.07.13
31.07.13
13.08.13
31.08.13
13.09.13
28.09.13
11.10.13
30.10.13
23.01.14
16.11.13
03.12.13
19.12.13
02.01.14
05.02.14
18.02.14
03.03.14
20.03.14
eqveosMeke kee veece
eer Sme.Sme.cetbo[e
eer jbpeve OeJeve
eer megoMe&ve mesve
eer Depee ceeLegj
eer megjsv Sme. YeC[ejer
DeJeefOe
Period
Shri S.S. Mundra

Shri P. Srinivas
Shri Ranjan Dhawan
Shri Sudarshan Sen
Shri Ajay Mathur
Shri V.B. Chavan
Yeejle mejkeej keer iepe DeefOemetevee eceebke 13/1/2006 efoveebke 5

efomecyej,2011 keer MeleeX kes Deveghe yeQke ves 27 HejJejer 2012 kees yees[& keer
$e+Ce Devegceesove meefceefle (meerSmeeryeer) kee ie"ve efkeee nw. en meefceefle .
400 kejes[ leke keer jeefMe kes $e+Ce Devegceesove kes mecyevOe ceW yees[& keer MeefeeeW
kee heeesie kejsieer. DeOe#e SJeb heyevOe efveosMeke kees heoe DeefOekeejeW mes
DeefOeke jeefMe kes $e+Ce hemleeJeeW, efpeve hej Deye leke yees[& keer heyevOeve meefceefle
eje efJeeej efkeee peelee nw, kes mecyevOe ceW Deye yees[& keer $e+Ce Devegceesove
meefceefle (meerSmeeryeer) eje mJeerke=efle heoeve keer peeSieer. 31 ceee& 2014 kees
Fme meefceefle keer mebjevee Fme hekeej nw:-
(i) eer Sme.Sme.cetbo[e
- DeOe#e SJeb heyevOe efveosMeke

- keee&heeueke efveosMeke
(iv) eer YegJeveeb yeer. peesMeer - keee&heeueke efveosMeke
eer Jeer.kes.ieghlee
- ceneheyevOeke (keeheex.Keeles,
keejeOeeve SJeb cegKe efJeeere
DeefOekeejer)
(vi) eer jepesMe cenepeve
- ceneheyevOeke (peesefKece heyevOeve)
(vii) ceneheyevOeke ieCe
- $e+Ce / ^spejer keeeeX mes mecye
116
The details of attendance of the Directors at the aforesaid

Meetings of the Committee held during their respective tenure
are as under:
4.2 yees[& keer uesKee hejer#ee meefceefle (meerSmeeryeer)
(v)
During the Financial Year 2013-14, the Management

Committee of the Board (MCB) met on twenty four times
on the following dates:
05.04.13
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW ceW
Gvekeer GheeqmLeefle mecyevOeer efJeJejCe efvecve hekeej nw:
01.04.2013 to 31.03.2014
01.04.2013 to 31.03.2014
01.04.2013 to 08.07.2013
01.04.2013 to 31.03.2014
05.08.2013 to 31.03.2014
01.04.2013 to 31.03.2014
01.04.2013 to 31.03.2014
01.04.2013 to 04.05.2013
01.04.2013 to 31.03.2014
01.04.2013 to 31.03.2014
01.04.2013 to 31.01.2014
01.04.2013 to 31.03.2014
01.04.2013 to 30.08.2013

yew"keW efpeveceW
Yeeie efueee
Meetings held during Meetings

their tenure
attended
24
24
24
23
7
7
24
20
15
13
24
20
12
10
2
2
18
18
17
15
12
12
11
8
2
2
4.2 Credit Approval Committee of The Board ( CACB )

In terms of Government of India Gazette Notification

No.13/1/2006 dated 5th December, 2011, the Bank has
constituted a Credit Approval Committee of the Board
(CACB) on 27th February, 2012. The Committee shall
exercise the powers of the Board with regard to credit
proposals upto Rs. 400.00 crores. The credit proposals
which exceed the powers delegated to Chairman and
Managing Director and which were hitherto considered
by the Management Committee of the Board, will now
be sanctioned by the CACB. The composition of the
Committee as on 31st March, 2014 is as under:
(i) Shri S.S. Mundra - Chairman and
Managing Director
(ii) Shri P. Srinivas - Executive Director
(iii) Shri Ranjan Dhawan - Executive Director
(iv) Shri Bhuwanchandra B. Joshi - Executive Director
(v) Shri V.K. Gupta - GM (Corp. A/cs, Taxation
& Chief Financial Officer)
(vi) Shri Rajesh Mahajan - General Manager
(Risk Management)
(vii) General Managers - Dealing with respective
credit/treasury functions

efJeeere Je<e& 2013-14 kes oewjeve yees[& keer $e+Ce Devegceesove meefceefle (meerSmeeryeer)
keer efvecveefueefKele leejerKeeW hej -42- yew"keW ngF:
15.04.13
30.04.13
2013-14
During the Financial Year 2013-14, the Credit Approval

Committee of the Board (CACB) met twenty four times
22.05.13
01.06.13
14.06.13
27.06.13
10.07.13
24.07.13
12.08.13
26.08.13
10.09.13
21.09.13
12.10.13
28.10.13
18.11.13
07.12.13
28.12.13
06.01.14
25.01.14
12.02.14
22.02.14
14.03.14
22.03.14
27.03.14
Gvekeer GheeqmLeefle mecyevOeer efJeJejCe efvecve hekeej nw:
The details of attendance of the Directors / Executives at

the aforesaid Meetings of the Committee held during their
respective tenure are as under:
Name
veece
eqveosMeke / keee&heeueke
Director / Executive
eer Sme.Sme. cetbo[e
Shri S.S. Mundra
Shri P. Srinivas
eer jbpeve OeJeve

eer Jeer. kes. ieghlee
eer jepesMe cenepeve
24
24
18
Executive Director
Executive Director
24
22
Executive Director
16
10
keee&heeueke
keee&heeueke
Executive
24
18
Executive
24
23
Shri Rajesh Mahajan
4.3 yees[& keer uesKee hejer#ee meefceefle (Smeeryeer)

yeQke ves keeheexjs ieJeveXme kes cetue efmeebleeW kes Deveghe Deewj Yeejleere efjpeJe&
yeQke kes efoMee efveoxMeeW kes DevegmejCe ceW, yees[& keer uesKee hejer#ee meefceefle ieef"le
keer nw efpemeceW 6 efveosMeke nQ. Ske iewj keee&heeueke efveosMeke, peesefke meveoer
uesKeekeej nw, meefceefle kes DeOe#e nQ.
31 ceee& 2014 kees meefceefle keer mebjevee Fme hekeej nw:

meefceefle kes DeOe#e
meome
(iii)
eer jbpeve OeJeve
meome
(iv)
eer yeer. yeer. peesMeer
meome
(v)
meome
(vi)
eer megoMe&ve mesve
meome
18.02.2014 mes eer Deeueeske efveiece Smeeryeer kes meome veneR jns.
08.07.2013 mes eer megOeerj kegceej pewve Smeeryeer kes meome veneR jns.
04.05.2013 mes eer Depee ceeLegj Smeeryeer kes meome veneR jns.
efJeeere Je<e& 2013-14 kes oewjeve yees[& keer uesKee hejer#ee meefceefle (Smeeryeer) keer
-12- yew"keW efvecveefueefKele leejerKeeW hej Deeeesefpele keer ieF&:
23.04.2013
28.09.2013
08.05.2013
30.10.2013
4.3 Audit Committee of the Board (ACB)

The Bank, in consonance with the fundamentals of
Corporate Governance and in pursuance of directives
of the Reserve Bank of India, has constituted an
Audit Committee of the Board comprising of Six no.of
Directors. A Non-Executive Director, who is a Chartered
Accountant, is the Chairman of the Committee.

(i) eer jepeerye mesKej meent
yew"keW efpeveceW
Yeeie efueee
Chairman & Managing

Director
Executive Director
Shri Bhuwanchandra
B. Joshi
Shri V.K. Gupta
Number of
Meetings
Meetings
attended
24
Shri Sudhir Kumar

Jain
Shri Ranjan Dhawan
yew"keeW keer mebKee
12.05.2013
03.12.2013
The composition of the Committee as on 31st March,

2014 is as under :
(i) Shri Rajib Sekhar Sahoo - Chairman of the Committee
- Member
(iii) Shri Ranjan Dhawan - Member
(iv) Shri B B Joshi
- Member
(v) Dr. K. P. Krishnan
- Member
(vi) Shri Sudarshan Sen
- Member
Shri Alok Nigam ceased to be a member of ACB w.e.f.
18.02.2014.
Shri Sudhir Kumar Jain ceased to be a member of ACB
w.e.f 08.07.2013
Shri Ajay Mathur ceased to be a member of ACB w.e.f
04.05.2013
During the Financial Year 2013-14, the Audit Committee
of the Board (ACB) met on twelve times on the dates
given below:
22.07.2013
05.02.2014
31.07.2013
03.03.2014
21.09.2013
20.03.2014
117
2013-14
GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
The details of attendance of the Directors at the Meetings

of the Committee held during their respective tenure are as
under:
DeJeefOe
Period

yew"keW efpeveceW
Yeeie efueee
Meetings held
during their tenure
Meetings
attended
eer Depee ceeLegj
Shri Ajay Mathur
01.04.2013 to 04.05.2013
Shri P. Srinivas
01.04.2013 to 31.03.2014
12
11
01.04.2013 to 08.07.2013
eer jbpeve OeJeve
Shri Ranjan Dhawan
01.04.2013 to 31.03.2014
12
11
Shri Alok Nigam
01.04.2013 to 18.02.2014
10
eer megoMe&ve mesve
Shri Sudarshan Sen
01.04.2013 to 31.03.2014
12
11
Dr. K P Krishnan
19.02.2014 to 31.03.2014
01.04.2013 to 31.03.2014
12
11
Shri B.B.Joshi
05.08.2013 to 31.03.2014
uesKee hejer#ee meefceefle kee Deve yeeleeW kes meeLe meeLe, hecegKe keee& yeQke keer efJeeere
metevee heCeeueer keer meceer#ee Deewj Deekeueve kejvee nw leeefke en megefveeqele nes mekes
efke efJeeere efJeJejefCeeeB mener, Gheege Deewj efJeemeveere nQ. en meefceefle yees[& kees
hemlegle kejves mes henues efleceener / Jeee|<eke efJeeere efJeJejefCeeeW keer meceer#ee Deewj
heyevOeve kees lelmecyevOeer mebmlegefle kejleer nw.
The main functions of Audit Committee, inter-alia, include

assessing and reviewing the financial reporting system of
the Bank to ensure that the financial statements are correct,
sufficient and credible. It reviews and recommends to the
Management the quarterly / annual financial statements
before their submission to the Board.
en uesKee hejer#ee meefceefle efoMee efveoxMe osleer nw leLee yeQke kes meceie uesKee hejer#ee
keeeeX keer meceer#ee kejleer nw, efpemeceW mebie"ve, Deebleefjke uesKee hejer#ee kee heefjeeueve
Deewj Gmekee iegCeJeee efveeb$eCe, Deebleefjke efveeb$eCe keefceeeB Deewj yeQke keer Deebleefjke
efvejer#eCe JeJemLee, yeQke keer meebefJeefOeke / yeee uesKee hejer#ee mecyevOeer DevegJeleea
keee&Jeener leLee Yeejleere efjpeJe& yeQke kes efvejer#eCe Meeefceue nQ.
The Audit Committee provides directions and oversees the

operations of total audit functions of the Bank including the
organization, operation and quality control of internal audit,
internal control weaknesses and inspection within the Bank
and follow-up of the suggestions of Statutory/External auditors
of the Bank and RBI inspections.
meefceefle Deebleefjke efveeb$eCe heCeeueer, Deebleefjke uesKee hejer#ee efJeYeeie keer mebjevee,
Fmekeer meHe mebjevee keer meceer#ee Yeer kejleer nw Deewj efkemeer cenJehetCe& efve<ke<e& kes
mecyevOe ceW Deebleefjke uesKee hejer#ekeeW / efvejer#ekeeW kes meeLe efJeeej efJeceMe& leLee Gme
hej DevegJeleea keee&Jeener kejleer nw. en yeQke keer efJeeere Je peesefKece heyevOeve veerefleeeW
keer meceer#ee Yeer kejleer nw.
The Committee also reviews the adequacy of internal control

systems, structure of internal audit department, its staffing
pattern and hold discussions with the internal auditors /
inspectors on any significant finding and follow-up action
thereon. It further reviews the financial and risk management
policies of the Bank.
meebefJeefOeke uesKee hejer#ee kes mevoYe& ceW uesKee hejer#ee meefceefle, Jeee|<eke / efleceener
efJeeere KeeleeW SJeb efjheeseX kees Debeflece he osves mes hetJe& kesvere meebefJeefOeke uesKee
hejer#ekeeW kes meeLe efJeeej efJeceMe& kejleer nw. en meefceefle ueebie Hee@ce& Dee@ef[ efjhees&
(SueSHeSDeej) keer efJeefYeVe ceoeW hej DevegJeleea keee&Jeener Yeer kejleer nw.
4.4 Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe meefceefle

yeQke ves MesejOeejkeeW leLee efveJesMekeeW keer efMekeeeleeW, eefo keesF& neW, kes
efveJeejCe nsleg MesejOeejke /efveJesMeke efMekeeele efveJeejCe meefceefle kee ie"ve
efkeee nw.
Fme meefceefle ceW efvecveefueefKele meome Meeefceue nQ:
(i) keee&heeueke efveosMeke ieCe SJeb

(ii)
118
oes Deve iewj keee&heeueke efveosMeke Fmekes meome leLee Ske iewj
keee&heeueke efveosMeke Fmekes DeOe#e nQ.
As for Statutory Audit, the Audit Committee interacts with the

Statutory Central Auditors before finalization of Quarterly /
Year to date / Annual Financial Results and Reports. It also
maintains follow up on various issues raised in the Long Form
Audit Report (LFAR).
4.4 Shareholders / Investors Grievances Committee

The Shareholders / Investors Grievances Committee

has been constituted by the Bank to redress shareholders
and investors complaints, if any.
The Committee includes following members :
(i)
(ii) Two Non-Executive Directors as its members with a

Non-Executive Director as its Chairman.
Executive Director (s) and

31 ceee&, 2014 kees meefceefle keer mebjevee Fme hekeej nw:
(i)
eer megjW eEmen Yeb[ejer
(ii)
eer efhe.eerefveJeeme meome
(iii)
eer jbpeve
OeJeve meome
(iv)
meome
(v)
meome
efJeeere Je<e& 2013-14 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04- yew"keW
Deeeesefpele keer ieF:
26.06.2013
The composition of the Committee as on 31st March, 2014 is

as under:
(i)
Shri Surendra Singh Bhandari
Chairman of the
Committee
(ii)
Shri P. Srinivas
Member
(iii)
Shri Ranjan Dhawan
Member
(iv)
Member
(v)
Member
The Committee met four times during the Financial Year 2013-14
on the following dates
30.08.2013
GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
03.12.2013
02.03.2014
The details of attendance of the Directors at the aforesaid

Meetings of the Committee held during their respective tenure
are as under:
2013-14
DeJeefOe

yew"keW efpeveceW
Yeeie efueee

- Chairman of the Committee 01.04.2013 to 31.03.2014
Shri P. Srinivas
Shri Ranjan Dhawan
Shri Bhuwanchandra B.Joshi
4
1
4
3
2
4
4
1
3
2
2
4
Period
Meetings held
during their tenure
eer megjsv eEmen YeC[ejer

eer jbpeve OeJeve
01.04.2013 to 31.03.2014
01.04.2013 to 08.07.2013
01.04.2013 to 31.03.2014
05.08.2013 to 31.03.2014
01.04.2013 to 30.08.2013
01.04.2013 to 31.03.2014
Meetings
attended
meefceefle Fme DeeMee keer cee@efveeEjie kejleer nw efke DeblejCe, GheefJeYeepeve, meceskeve,
veJeerkejCe, efJeefvecee DeLeJee ceebie/DeeJebve jeefMe kes hejebkeve keer hemlegefle leejerKe mes
-15- efoveeW kes Yeerlej meYeer heceeCe he$e peejer kej efoS peeSb. meefceefle efveJesMekeeW keer
efMekeeeleeW kes efveJeejCe kes efueS meceeye he mes efveiejeveer Yeer kejleer nw.
The Committee monitors the issuance of share certificates

within a period of -15- days of the date of lodgment for transfer,
sub-division,
consolidation,
renewal,
exchange
or
endorsement of calls / allotment money. The Committee
further monitors the redressal of investors complaints in a
time bound manner.
Je<e& kes oewjeve heehle SJeb efveheeF& ieF& efMekeeeleeW / efveJesoveeW keer mebKee kee meejebMe
veeres efoee ieee nw:
The summary of number of requests/complaints received and

resolved during the year are as under:
01.04.2013 kees yekeeee
Je<e& kes oewjeve HeeHle
Je<e& kes oewjeve efveJeejCe
31.03.2014 kees yekeeee
Pending as on 01.04.2013
Received during the year
Resolved during the year
Pending as on 31.03.2014
19
27456
27465
10
Je<e& kes oewjeve yekeeee meYeer DeeJesove [ghueerkes Mesej mee|efHekes peejer kejves mes
mecyeeqvOele DevegjesOe he$e Les leLee Fmekes mebyebOe ceW DeeJeMeke DeewheeeefjkeleeSb heefeee
DeOeerve nQ.
All the pending cases as at the end of the year were pertaining
to the request for issue of duplicate share certificates, in respect
of which the necessary formalities were in process.
eer Sce. Sue. pewve, GHe ceneheyevOeke SJeb kecheveer meefeJe kees me@ke SkemeeWpeeW kes
meeLe meteerkejCe DevegyevOe kes KeC[ 47 (S) kes lenle yeQke kes Devegheeueve DeefOekeejer
kes he ceW efveege efkeee ieee nw.
Shri M. L. Jain, Deputy General Manager - Company Secretary

& Compliance has been designated as the Compliance Officer
of the Bank under Clause 47 (a) of the Listing Agreement with
Stock Exchanges.
4.5 Mesej /yeeb[ DeblejCe meefceefle
4.5 Share/Bond Transfer Committee
Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe mes mecyeeqvOele meefceefle kes
Deefleefje, yeQke ves keee&heeuekeeW keer Ske Mesej DeblejCe meefceefle ieef"le keer
nw. DeOe#e SJeb heyevOe efveosMeke, keee&heeueke efveosMeke ieCe, -2- cegKe
Besides the Shareholders / Investors Grievances

Committee, the Bank has constituted a Share Transfer
Committee comprising of Chairman and Managing
119
2013-14
Director, Executive Directors, two Chief General Managers

and Deputy/Assistant General Manager (Legal) as
members. The Committee meets at least once in 15 days
to effect transfer of Shares / Bonds. The Committee met
on fifty eight times during the Financial Year 2013-14, on
the following dates:
ceneheyevOeke leLee Ghe ceneheyevOeke / meneeke ceneheyevOeke (efJeefOe) Fmekes

meome nQ. 15 efove ceW meefceefle keer kece mes kece Ske yew"ke Deeeesefpele nesleer
nw efpemekee heeespeve MesejeW / yee@C[eW kes DeblejCe keer heefeee kees lespe kejvee
neslee nw. efJeeere Je<e& 2013-14 kes oewjeve meefceefle keer -58- yew"keW ngF& efpevekee
efJeJejCe efvecveevegmeej nw:
04.04.2013
10-04-2013
17-04-2013
25-04-2013
02-05-2013
08-05-2013
15-05-2013
22-05-2013
31-05-2013
05-06-2013
13-06-2013
17-06-2013
18-06-2013
28-06-2013
04-07-2013
10-07-2013
16-07-2013
24-07-2013
01-08-2013
06-08-2013
07-08-2013
14-08-2013
22-08-2013
29-08-2013
04-09-2013
13-09-2013
19-09-2013
26-09-2013
04-10-2013
11-10-2013
18-10-2013
19-10-2013
23-10-2013
01-11-2013
07-11-2013
14-11-2013
21-11-2013
28-11-2013
02-12-2013
05-12-2013
13-12-2013
19-12-2013
27-12-2013
02-01-2014
10-01-2014
17-01-2014
21-01-2014
22-01-2014
30-01-2014
07-02-2014
13-02-2014
20-02-2014
28-02-2014
05-03-2014
07-03-2014
12-03-2014
21-03-2014
27-03-2014
4.6 Deeeqmle oselee heyevOeve SJeb peesefKece heyevOeve hej efveosMeke ceC[ue keer
Ghemeefceefle

yeQke ves Ske efveosMeke ceb[ue mlejere peesefKece heyevOeve meefceefle kee ie"ve efkeee
nw pees Deeeqmle oselee heyevOeve SJeb peesefKece heyevOeve hej efveosMeke ceb[ue keer
Ghemeefceefle kes he ceW peeveer peeleer nw leLee yeQke eje hetJee&vegceeefvele mechetCe&
peesefKece keer meceer#ee SJeb cetueebkeve kejleer nw.
DeOe#e SJeb heyevOe efveosMeke meefceefle keer DeOe#elee kejles nQ leLee 31 ceee&
2014 kees meefceefle keer mebjevee Fme hekeej nw:
(i)
eer Sme.Sme.cetbo[e
(v) eer megjsv Sme. YeC[ejer
(ii)
4.6 Sub Committee of the Board on ALM & Risk Management:

The Bank has constituted a Board level Risk Management

Committee known as Sub Committee of the Board on
ALM and Risk Management to review and evaluate the
overall risks assumed by the Bank.
The Committee is headed by Chairman and Managing

Director and its composition as on 31st March, 2014 is as
under: :
DeOe#e
meome
meome
meome
meome
(i)
Shri S. S. Mundra
Chairman
(ii)
Shri P. Srinivas
Member
(iii)
Shri Ranjan Dhawan
Member
(iv)
Member
(v)
Member
eer megOeerj kegceej pewve 08.07.2013 mes meefceefle kes meome veneR jns.
eer yeer. yeer. peesMeer 05.08.2013 mes meefceefle kes meome yeves.
Shri Sudhir Kumar Jain ceased to be member of the

committee w.e.f. 08-07-2013.
Shri B.B. Joshi joined the committee w.e.f. 05-08-2013
efJeeere Je<e& kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04- yew"keW
Deeeesefpele keer ieF:
The Committee met four times during the Financial Year

21.06.13
120
13.09.13
20.12.13
26.03.14

efveosMekeeW keer Gvekes keee&keeue kes oewjeve Deeeesefpele meefceefle keer Ge yew"keeW
ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
2013-14
The details of attendance of the Directors at the Meetings

of the Committee held during their respective tenure are
as under:
DeJeefOe
Period
Gvekes keee&keeue kes

oewjeve Deeeesefpele yew"keW
yew"keW efpeveceW
Yeeie efueee
Meetings held
during their tenure
eer Sme.Sme.cetbo[e
eer jbpeve OeJeve

Shri S. S. Mundra
01.04.2013 to 31.03.2014
Shri P. Srinivas
01.04.2013 to 31.03.2014
01.04.2013 to 08.07.2013
Shri Ranjan Dhawan
01.04.2013 to 31.03.2014
Shri Bhuwanchandra B. Joshi 05.08.2013 to 31.03.2014
yeQke ves efJeefYeVe peesefKeceeW eLee esef[ peesefKece, yeepeej peesefKece leLee
heefjeeueveiele peesefKece kee helee ueieeves, heyevOeve, DevegheJele&ve leLee efveeb$eCe
kees Oeeve ceW jKeles ngS yeQke ceW mecegefele peesefKece heyevOeve {eBee leweej efkeee
nw efpemeceW peesefKece mebjeveelceke {eBee, peesefKece efmeeble, peesefKece heefeee,
peesefKece efveeb$eCe leLee peesefKece uesKee hejer#ee Meeefceue nw. Fmekee cegKe
GsMe yeQke kes jeêre SJeb Debleje&êre heefjeeueveeW kees efvejblej yesnlej SJeb
keee&kegMeue yeveevee nw Deewj yeQke keer megj#ee hej Oeeve osvee nw.
01.04.2013 to 31.03.2014
The Bank has set up an appropriate risk management architecture,

comprising Risk Management Organizational Structure, Risk
Principles, Risk Processes, Risk Control and Risk Audit, all with
a view to ideally identify, manage, monitor and control various
categories of risks, viz. Credit Risk, Market Risk and Operational
Risk, etc. The underlying objective is to ensure continued stability
and efficiency in the operations of the Bank, nationally and
internationally and to look after the safety of the Bank..
4.7 Customer Service Committees
4.7 ieenke mesJee meefceefleeeb
(ke) efveosMeke ceb[ue keer ieenke mesJee meefceefle
yeQke ves efveosMeke ceb[ue keer Ske Ghemeefceefle kee ie"ve efkeee nw pees "ieenke
mesJee meefceefle" kes veece mes peeveer peeleer nw. 31 ceee& 2014 kees meefceefle kes
efvecveefueefKele meome nwb :
(a) Customer Service Committee of the Board
(i)
eer Sme.Sme.cetbo[e
DeOe#e SJeb heyebOe efveosMeke
(ii)
Meetings
attended
The Bank has constituted a sub-committee of Board

known as Customer Service Committee. The
Committee has the following members as on 31st
March, 2014:(i)
Shri S. S. Mundra
Chairman &
Managing Director
(ii)
Shri P. Srinivas
Executive Director
Executive Director
(iv) Shri Bhuwanchandra B. Joshi
Executive Director
(v)
(v)
Director (NonExecutive)
eer mele osJe ef$ehee"er 30.08.2013 mes meefceefle kes meome veneR jns.
Shri Maulin Arvind

Vaishnav
Shri Satya Dev Tripathi ceased to be a member of the

Committee w.e.f. 30-08-2013
meefceefle kes keeeeX ceW ieenke mesJeeDeeW keer iegCeJeee kees yesnlej yeveeves kes efueS
megPeeJe leLee veJeesvces<eer GheeeeW kes efueS huesHee@ce& kee me=peve kejvee leLee meYeer
mebJeie& kes ieenkeeW kes efueS meblegeq kes mlej ceW megOeej kejvee Meeefceue nw efpemeceW
Deve yeeleeW kes meeLe meeLe efvecveefueefKele kee meceeJesMe nw:
The functions of the Committee include creating a platform

for making suggestions and innovative measures for
enhancing the quality of customer services and improving
the level of satisfaction for all categories of clientele at all
times, which inter-alia comprises the following:
(i)
meeJe&peefveke mesJeeDeeW keer heefeee SJeb keee&efve<heeove uesKee hejer#ee mecyevOeer

mLeeeer meefceefle kes keeeeX keer osKejsKe kejvee leLee ieenke mesJeeDeeW keer mLeeeer
meefceefle keer efmeHeeefjMeeW kes Devegheeueve kees megefveeqele kejvee.
i.
Oversee the functioning of the Standing Committee on

Procedure and Performance Audit on Public Services and
also compliance with the recommendation of the Standing
Committee on Customer Services..
(ii)
DeefOeefveCe&e keer leejerKe mes leerve cenerves mes DeefOeke yeerle peeves hej Yeer ueeiet
ve efkeS ieS yekeeee DeefOeefveCe&eeW leLee yeQeEkeie ueeskeheeue eje yeQeEkeie mesJeeSb
heoeve kejves ceW heeF& ieF& keefceeeW keer eqmLeefle keer meceer#ee kejvee.
ii.
Review the status of the Awards remaining unimplemented

for more than 3 months from the date of Awards and also
deficiencies in providing Banking services as observed by
the Banking Ombudsman.
(iii)
ce=le peceekelee&DeeW / uee@kej efkejeSoejeW / megjef#ele DeefYej#ee ceW jKeer ieF&
iii. Review the status of the number of deceased claims
121
2013-14
remaining pending / outstanding for settlement beyond 15

days pertaining to deceased depositors / locker hirers /
depositor of safe custody articles.
JemlegDeeW kes peceekelee&DeeW mes mecyeeqvOele efveheeve nsleg 15 efoveeW keer DeJeefOe mes
DeefOeke yekeeee oeJeeW keer mebKee keer eqmLeefle mecyevOeer meceer#ee kejvee.

efJeeere Je<e& 2013-14 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04yew"keW Deeeesefpele keer ieF:
26.06.2013
During the Financial Year 2013-14, the Committee met

four times on the following dates:
30.08.2013
efveosMekeeW kee GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:

19.12.2013
02.03.2014
The details of attendance of the Directors are as under:
DeJeefOe
Period

yew"keW efpeveceW
Yeeie efueee
Meetings held during

their tenure
Meetings
attended
eer Sme.Sme.cetbo[e
Shri S.S. Mundra
01.04.2013 to 31.03.2014
Shri P.Srinivas
01.04.2013 to 31.03.2014
01.04.2013 to 08.07.2013
eer jbpeve OeJeve
Shri Ranjan Dhawan
01.04.2013 to 31.03.2014
Shri Bhuwanchandra B.
Joshi
05.08.2013 to 31.03.2014
01.04.2013 to 31.03.2014
01.04.2013 to 30.08.2013
(Ke) ieenke mesJee mebyebOeer mLeeeer meefceefle
Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej, yeQke kes efveosMekeeW
keer ieef"le Ghemeefceefle kes Deefleefje yeQke ves ieenke mesJeeDeeW hej
heefeeeDeeW leLee keee&efve<heeove uesKeehejer#ee hej Ske mLeeeer meefceefle
kee Yeer ie"ve efkeee nw efpemeceW yeQke kes leerveesb keee&heeueke efveosMeke,
-4- ceneheyevOeke leLee -3- Deve heefleeqle meeJe&peefveke Jeefe meome
kes he ceW Meeefceue nQ.
Besides, the Sub-Committee of the Board as aforesaid,

the Bank has also set up a Standing Committee on
Procedures and Performance Audit on Customer
Services having three other eminent public personalities
as members along with three Executive Directors and
four General Managers of the Bank, as per the
guidelines of Reserve Bank of India.
Fme meefceefle kee ie"ve efJeMes<e he mes peve meceeve kees GheueyOe yeQeEkeie
megefJeOeeDeeW hej Oeeve keseqvle kejves leLee (i) mesJee kes ceewpetoe mlej
kes yeQeceeke& (ii) DeeJeefOeke heieefle keer meceer#ee (iii) meceeyelee SJeb
iegCeJeee kees ye{eves (iv) heeweesefiekeer GVeeve kes cesvepej heefeee kees
egefemebiele yeveeves (v) eefceke DeeOeej hej heefjJele&ve kees megee yeveeves
kes efueS mecegefele megPeeJe osves nsleg efkeee ieee nw.
This Committee has been set up to focus on the

banking services available to the public at large and
focusing on the need to (i) benchmark the current
level of service, (ii) review the progress periodically,
(iii) enhance the timelines and quality, (iv) rationalize
the processes taking into account technological
developments, and (v) suggest appropriate initiatives
to facilitate change on an ongoing basis.
4.8 heeefjeefceke meefceefle

Yeejle mejkeej ves Deheveer DeefOemetevee meb. SHe veb. 20/1/2005-yeerDeesDeeF&

efoveebke 9 ceee&, 2007 kes eje meeJe&peefveke #es$e kes yeQkeeW kes hetCe&keeefueke
efveosMekeeW kes efueS keee&efve<heeove men heeslmeenve keer Iees<eCee keer. en heeslmeenve
efJeiele efJeeere Je<e& kes oewjeve efJeefYeVe Devegheeueve efjheeseX hej DeeOeeefjle ue#eeW
SJeb yeQeceeke& kes Deveghe keee&efve<heeove cetueebkeve, efpemeceW iegCeJeee Je cee$ee
oesvees kee meceeJesMe nw, hej DeeOeeefjle nw. Ge efoMeeefveoxMeeW kes Devegheeueve ceW
Je<e& kes oewjeve keee&efve<heeove kes cetueebkeve leLee ose / DeJee[& keer peeves Jeeueer
heeslmeenve jeefMe nsleg efveosMeke ceb[ue keer heeefjeefceke meefceefle kee ie"ve efkeee
ieee.
efoveebke 29.04.2013 kees meefceefle kee hegveie&"ve efkeee ieee.
122
(b) Standing Committee on Customer Service
4.8 Remuneration Committee

Government of India announced Performance Linked

Incentives for Whole Time Directors of Public Sector Banks
vide Notification No.F No.20/1/2005-BO.I dated 9th March,
2007. The incentive is based on certain qualitative as well
as quantitative parameters fixed for Performance
Evaluation Matrix on the basis of the Statement of Intent
(SOI) on goals and benchmarks based on various
compliance reports during the previous financial year. In
compliance of the said directives, a Remuneration
Committee of the Board was constituted for evaluation of
the performance and incentive amount to be awarded/
paid during the year.
The committee was reconstituted w.e.f. 29-04-2013.

meefceefle keer 31 ceee&, 2014 kees mebjevee Fme hekeej nw (i) [e@. kes. heer. ke=<Ceve *
(ii) eer megoMe&ve mesve
(iii) eer jepeerye Sme. meent
(iv) eer megjW efmebn Yeb[ejer
* 19.02.2014 mes meefceefle meome

efJeeere Je<e& 2013-14 kes oewjeve 13.05.2013 kees meefceefle keer Ske yeej
yew"ke ngF&. DeefOemetevee keer MeleeX kes Deveghe meefceefle ves veeres efoS ieS efJeJejCe
kes Devegmeej efvecveefueefKele hetCe&keeefueke efveosMekeeW kees heeslmeenve jeefMe kes
Yegieleeve kejves kee efveCe&e efueee.
e. meb
Sr. No
1
*joined w.e.f. 19-02-2014

once on 13.05.2013. In terms of the aforesaid notification,
the Committee decided to pay incentives to the following
Whole-time Directors as per details given below:
jeefMe (`)
Amount (`)
eer Sme. Sme. cetbo[e
1,15,068.00
eer efhe. eerefveJeeme
3,14,521.00
3,14,521.00
eer jbpeve OeJeve
1,65,479.00

4
heo / Designation
Shri P. Srinivas
3
The composition of the Committee as on 31st March, 2014

is as under:
(i) Dr. K.P. Krishnan*
(ii) Shri Sudarshan Sen
(iii) Shri Rajib S. Sahoo
(iv) Shri Surendra Singh Bhandari
veece / Name
Shri S. S. Mundra
2013-14
Shri Ranjan Dhawan

Executive Director
Executive Director
Executive Director
4.9 veeceebkeve meefceefle
4.9 Nomination Committee
Yeejleere efjpeJe& yeQke ves yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece, 1970 keer Oeeje 9(3)(DeeF&) kes heeJeOeeveeW kes Debleie&le jeêreke=le
yeQkeeW kes efveosMeke ceb[ue ceW eeve nsleg eLeesefele efHe SC[ hee@hej ceeveob[
efveOee&efjle efkeS nQ. Yeejleere efjpeJe& yeQke eje peejer efoMeeefveoxMeeW kes Deveghe
veeceebefkele meefceefle ieef"le kejvee Dehesef#ele nw efpemeceW efveosMeke ceb[ue ceW mes kece
mes kece leerve efveosMeke (meYeer mJeleb$e / iewj keee&heeueke efveosMeke) Meeefceue neW.
Ge efoMeeefveoxMeeW keer Devegheeuevee mJehe Ske veeceebkeve meefceefle kee ie"ve
efkeee ieee nw.
Reserve Bank of India has laid down "Fit and Proper"

criteria to be fulfilled by persons to be elected as directors
on the Boards of the Nationalized Banks under the
provisions of Section 9(3)(i) of Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970. In
terms of the guidelines issued by Reserve Bank of India,
a Nomination Committee is required to be constituted
consisting of a minimum of three directors (all independent/
non executive directors) from amongst the Board of
Directors. In compliance of the said directives, a
Nomination Committee has been constituted.
meefceefle keer 31 ceee&, 2014 kees mebjevee (hegveie&"ve kes DeOeerve) Fme hekeej
nw:

(under reconstitution) is as under:
(i)
(i) eer efJeefveue kegceej mekemesvee (iewj keee&heeueke efveosMeke)

[e@. kes. heer. ke=<Ceve kee veeceebkeve nesves hej eer Deeueeske efveiece 18.02.2014
mes meefceefle kes meome vener jns. eer Jeer. yeer. eJneCe Deewj eer meleosJe
ef$ehee"er efveosMeke ceb[ue ceW Dehevee keee&keeue hetje kejves hej meefceefle kes meome
vener jns.
efJeeere Je<e& 2013-14 kes oewjeve meefceefle keer 29.04.2013 kees Ske yew"ke
ngF&. meefceefle ves 29.04.2013 kees Deeeesefpele yew"ke ceW Mesej Oeejke efveosMekeeW
kes "efHe SC[ hee@hej" msme keer mebJeer#ee keer. meefceefle ves Gve meye kees "efHe
SC[ hee@hej" heeee.
4.10 efveosMekeeW keer meefceefle

DeOe#e SJeb heyevOe efveosMeke SJeb Yeejle mejkeej leLee Yeejleere efjpeJe& yeQke kes
veeefcele efveosMekeeW keer Ske meefceefle kee ie"ve Jeefj mlej hej heoesvveefle mecyevOeer
keeeeX kes GsMe mes efkeee ieee nw. en meefceefle meleke&lee mecyevOeer DevegMeemeefveke
Shri Vinil Kumar Saxena (Non- Executive Director)
Shri Alok Nigam ceased to be member of this committee

w.e.f. 18.02.14 on the nomination of Dr. K.P. Krishnan. Shri
V.B. Chavan and Shri Satyadev Tripathi ceased to be
members of this committee on completion of their term on
the Board of Directors.

once on 29.04.13. The Committee at its meeting held on
29.04.13 ascertained the Fit & Proper status of Shareholder
Directors. The Committee found all of them Fit and Proper.
4.10 Committee of Directors

A Committee of Directors consisting of Chairman and

Managing Director and the nominee Directors of
Government of India and Reserve Bank of India has been
formed for dealing with the promotions at senior level. This
123
2013-14
Committee also deals with review of vigilance / nonvigilance disciplinary cases and departmental enquiries.
ceeceueeW Deewj efJeYeeieere peebeeW keer meceer#ee kee keee& Yeer kejleer nw.
31 ceee&, 2014 leke meefceefle keer mebjevee Fme hekeej nw:
(i)
eer Sme.Sme.cetbo[e
(ii)
[e@. kes. heer. ke=<Ceve - Yeejle mejkeej kes veeefceefle efveosMeke*
(iii)
eer megoMe&ve mesve - Yeejleere efj]peJe& yeQke kes veeefceefle efveosMeke
The composition of the Committee as on 31st March, 2014 is

as under:
* 19.02.2014 mes eer Deeueeske efveiece kes mLeeve hej efveosMeke yeves
meefceefle keer efJeeere Je<e& 2013-14 kes oewjeve efvecveefueefKele efJeJejCe kes
Devegmeej - 5 yew"keW ngF :
18.04.13 mes 19.04.13
12.05.13

(ii) Dr. K.P. Krishnan-Nominee Director of GOI*
(iii) Shri Sudarshan Sen Nominee Director of RBI
*Joined w.e.f. 19-02-2014 in place of Shri Alok Nigam
The Committee met - 5 - times during the Financial Year

2013-14 on the following dates :
31.08.13
efveosMekeeW keer GheefmLeefle kee efJeJejCe efvecveevegmeej nw:

03.12.13
15.03.14
The details of attendance of directors are as under:
Gvekes keee&keeue kes oewjeve Deeeesefpele

yew"keeW keer mebKee efpeveceW

Yeeie efueee

their tenure
Meetings Attended
Shri S.S. Mundra
Shri Alok Nigam
eer megoMe&ve mesve
Shri Sudarshan Sen
Dr. K.P. Krishnan
4.11 ye[er jeefMe keer OeesKeeOe[er kes yeejs ceW meefceefle

Yeejleere efjpeJe& yeQke kes heefjhe$eebke DeejyeerDeeF&/2004.15/[eryeerSme.

SHepeerJeer(SHe)veb.1004/23.04.01S/ 2003-04 efoveebke 14 peveJejer, 2004
kes efveoxMeevegmeej nceejs yeQke ceW . 1.00 kejes[ Deewj Gmemes DeefOeke keer jeefMe
kes OeesKeeOe[er mecyevOeer ceeceueeW keer cee@veereEjie kes efueS efveosMeke ceb[ue keer
efJeMes<e meefceefle kee ie"ve efkeee ieee nw.
meefceefle kes cegKe keeeeX ceW Deve yeeleeW kes meeLe meeLe . 1.00 kejes[ Deewj
Gmemes Thej keer jeefMe keer OeesKeeOe[er keer efveiejeveer leLee meceer#ee Meeefcele
nw leeefke (ke) OeesKeeOe[er kes DeehejeefOeke ke=le ceW heCeeueeriele KeeefceeeW kee
helee ueieeves Deewj Gve hej efveeb$eCe kejves kes efueS Gheee efkeS pee mekeW (Ke)
OeesKeeOe[er kes helee ueieeves ceW efJeuecye kes keejCeeW keer heneeve leLee yeQke leLee
Yeejleere efjpeJe& yeQke kes Ge heyevOekeeW kees Gmekeer efjheese\ie (ie) meeryeerDeeF& /
hegefueme peebe he[leeue keer heieefle leLee Jemetueer keer eqmLeefle (Ie) en megefveeqele
kejvee efke OeesKeeOe[er kes meYeer ceeceueeW ceW meYeer mlejeW hej meHe GejoeefelJe
kee hejer#eCe nes Deewj meHe hej keee&Jeener, eefo Dehesef#ele nes, DeefJeuecye nes
(e) OeesKeeOe[er keer hegvejeJe=efle kes efveJeejCe kes efueS keer ieF& megOeejelceke
keee&Jeener keer heYeeJeeslheeokelee keer meceer#ee eLee Deebleefjke efveeb$eCe kees
meMee kejvee Deewj () OeesKeeOe[er kes efKeueeHe efveJeejke GheeeeW kees meMee
kejves kes efueS eLeeJeMeke Deve Gheee kejvee.
efveosMeke ceb[ue kes -5- meomeeW keer ieef"le efJeMes<e meefceefle ceW (ke) DeOe#e
SJeb heyevOe efveosMeke (Ke) Smeeryeer kes oes meome (ie) Yeejleere efjpeJe& yeQke kes
veeefceefle kes DeueeJee efveosMeke ceb[ue kes oes Deve meomeeW kee meceeJesMe nw.
124
4.11 Committee on High Value Frauds

As per RBI circular no.RBI/2004.15/.DBS.FGV(F)
No.1004/23.04.01A/2003-04 dated 14th January, 2004 a
Special Committee of the Board for monitoring high value
frauds of Rs.1.00 crore and above has been formed in
our Bank.

The major functions of the Committee, inter-alia, include

monitoring and review of all the frauds of Rs.1.00 crore
and above so as to: (a) identify the systemic lacunae if
any that facilitated perpetration of the fraud and put in
place measures to plug the same (b) identify the reasons
for delay in detection, if any, reporting to top management
of the Bank and RBI (c) monitor progress of CBI/Police
investigation and recovery position (d) ensure that staff
accountability is examined at all levels in all the cases of
frauds and staff side action, if required, is completed
quickly without loss of time (e) review the efficacy of the
remedial action taken to prevent recurrence of frauds,
such as strengthening of internal controls and (f) put in
place other measures as may be considered relevant to
strengthen preventive measures against frauds.
The Committee consists of five members of the Board of

Directors: (a) Chairman and Managing Director (b) Two
members from ACB and (c) Two other members from the
Board excluding RBI Nominee.

31 ceee& 2014 kees meefceefle keer mebjevee efvecveevegmeej nw:

(i) eer Sme.Sme.cetbo[e
(ii) [e@. kes. heer. ke=<Ceve *
(iii) eer ceewefueve DejefJevo Jew<CeJe
(iv) eer megjW eEmen Yeb[ejer
(v) eer jepeerye mesKej meent
* 19.02.2014 mes eer Deeueeske efveiece kes mLeeve hej efveosMeke yeves
22.05.13
10.06.13
eer Sme.Sme.cetbo[e
i.
ii.
iii.
iv.
v.
vi.
vii.
viii.
veece
eer jepeerye Sme.meent
eer jbpeve OeJeve
eer yeer. yeer. peesMee
eer ceewefueve Jew<CeJe
eer megjvs Sme. Yeb[ejer
[e@. oerheke yeer. Heeke
eer Sme. Sme. Ieeie
(i)
(ii) Dr. K. P. Krishnan*
(iii) Shri Maulin Arvind Vaishnav
(iv) Shri Surendra Singh Bhandari
(v) Shri Rajib Sekhar Sahoo
* Joined w.e.f. 19-02-2014 in place of Shri Alok Nigam
The Committee met six times during the Financial Year

2013-14 as per details below:
Shri S.S. Mundra
21.09.13

20.12.13
26.03.14


Yeeie efueee
Meetings Attended
Shri S.S. Mundra

their tenure
6
Shri Alok Nigam
Dr. K.P. Krishnan
Yeejleere efjpeJe& yeQke keer metevee megj#ee / Fuewkeêsefveke yeQeEkeie, lekeveerkeer

peesefKece heyevOeve leLee meeF&yej ee@[ hej Jee\keie ieghe keer efmeHeeefjMeeW kes
Deveghe yeQke ves 27 HejJejer, 2012 kees Deeeesefpele yew"ke ceW metevee
heeweesefiekeer veerefle meefceefle kee ie"ve efkeee efpemeceW efvecve efueefKele meome
Meeefceue nQ:
e.meb.

is as under:
4.12 yeQke keer metevee heeweesefiekeer veerefle

08.07.13
efveosMekeeW kee Ge yew"keeW ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
2013-14
heoveece
yeee met. heew. efJeMes<e%e
ceneheyebOeke (metheew SJeb [er[yuetSe)
yew"ke kes mebeespeke
Fme meefceefle kes mebKeelceke mJehe (keesjce) ceW -3- meome neWies, efpeveceW
meefceefle DeOe#e, Ske keee&heeueke efveosMeke Deewj ceneeyebOeke (met.eew.) leLee
Fve leerve meomeeW ceW mes Ske meome metevee eeweesefiekeer, Fueskeê@efveke yeQefkebie,
skeveesuee@peer, peesefKece eyebOeve Je meeeyej OeesKeeOe[er mebyebOeer Yeejleere efj]peJe&
yeQke kes keee&oue keer efmeHeeefjMeeW kes Devegmeej Jeeheke DeeF&er efJeMes<e%elee Jeeuee
nesvee eeefnS. en meefceefle Deve yees[& meefceefle leLee Jeefj heyevOeve kes meeLe
keee& kejles ngS yeQke keer metevee heeweesefiekeer mebeeueve meefceefle kes keeeeX keer
meceer#ee kejsieer leeefke keeheexjs leLee metevee heeweesefiekeer veerefleeeW ceW hejmhej
leeuecesue, meceer#ee SJeb megOeej efkeee pee mekes.
4.12 IT Strategy Committee of the Bank

In accordance with the recommendations of Reserve Bank
of India Working Group on Information Security, Electronic
Banking, Technology Risk Management & Cyber Frauds,
the Bank at its Board meeting held on 27th February, 2012,
constituted an IT Strategy Committee, comprising the
following members
Sr.No.
Name
i. Shri Rajib S. Sahoo
ii. Shri P. Srinivas
iii. Shri Ranjan Dhawan
iv. Shri B. B. Joshi
v. Shri Maulin Vaishnav
vi. Shri. Surendra Singh
Bhandari
vii. Dr. Deepak B. Phatak
viii. Shri S. S. Ghag
Designation
Chairman of the Committee
Executive Director
Executive Director
Executive Director
Director (Non-Executive)
Director (Non-Executive)
External IT Expert
General Manager (IT & DWH)
Convenor of the meeting
The quorum of the Committee is three members
comprising Chairman of the Committee, one Executive
Director and General Manager(IT) and out of three
members, one member should have substantial IT
expertise as per the recommendation of the RBI (Reserve
Bank of India) Working Group on Information Security,
Electronic Banking, Technology Risk Management &
Cyber Frauds. The Committee shall oversee the functions
of IT Steering committee of the Bank, besides working in
partnership with other Board Committee and Senior
Management to provide input, review and amend the
aligned corporate and IT strategies.
125

2013-14
13.08.2013
Name
veece

Meetings Attended
Shri P. Srinivas
Shri Ranjan Dhawan
Shri B. B. Joshi
Shri Maulin Vaishnav
Shri. Surendra Singh Bhandari
Dr. Deepak B. Phatak
4.13 Steering Committee of the Board on HR
Keb[sueJeeue meefceefle, efJee ceb$eeuee, Yeejle mejkeej keer efmeHeeefjMeeW kes

Deveghe 21 Deetyej, 2011 kees mebhesef<ele mevosMe ceW peevekeejer oer ieF& efke
ceeveJe mebmeeOeve ceeceueeW hej yees[& keer Ske mebeeueve meefceefle kee ie"ve efkeee
peeS efpemeceW DeOe#e SJeb heyevOe efveosMeke leLee keee&heeueke efveosMekeeW kes
DeueeJee mejkeej keer Deesj mes efveosMeke leLee oes heyeg ceeveJe mebmeeOeve mes
peg[s hesMesJej Jeefe Meeefceue neWies. leovegmeej yeQke ves efoveebke 27 HejJejer,
2012 kees Deeeesefpele Deheveer yees[& ceereEie ceW ceeveJe mebmeeOeve hej Ske
mebeeueve meefceefle kee ie"ve efkeee nw pees efke ceeveJe mebmeeOeve mes peg[s cemeueeW
kee meceeOeeve kejsieer. Fme meefceefle ceW 31 ceee&, 2014 kees efvecveefueefKele
meome Meeefceue nQ:
veece

Yeeie efueee

their tenure
3
4.13 ceeveJe mebmeeOeve hej yees[& keer mebeeueve meefceefle
1. eer Sme.Sme.cetbo[e
DeOe#e SJeb heyebOe efveosMeke
2. eer efhe.eerefveJeeme
3. eer jbpeve OeJeve
4. eer yeer. yeer. peesMeer
5. [e@. kes. heer. ke=<Ceve *
mejkeej eje veeefcele efveosMeke
6. [e@. oerheke Heeke
heesHesmej, DeeF&DeeF&er, cegcyeF&
7. [e@ DeeMee Yeb[ejkej
heesHesmej, Sce[erDeeF&, ieg[ieebJe
* eer Deeueeske efveiece kes mLeeve hej 19.02.2014 kees meefceefle kes meome yeves
efJeeere Je<e& 2013-14 kes oewjeve meefceefle keer Ske yew"ke 09 Deetyej, 2013
kees Deeeesefpele keer ieF& efpemeceW eer jbpeve OeJeve kes DeueeJee meYeer meomeeW ves
Yeeie efueee. FmeceW eer Deeueeske efveiece, mejkeej eje veeefcele efveosMeke ves
Jeeref[ees keeveWefmebie kes ceeOece mes Yeeie efueee.
4.14 Jemetueer keer cee@veereEjie kes efueS meefceefle

efJeeere mesJeeSb efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej, veF& efouueer kes
he$e eceebke SHe.veb.7/112/2012-yeerDeesS efoveebke 21 veJecyej, 2012 kes
ceeOece mes eehle efoMee-efveoxMeeW kes Devegmeej Jemetueer kes efueS meg{ JeJemLee
jKeves kes ece ceW yees[& kees Ske meefceefle ieef"le kejves keer DeeJeMekelee
nw efpemeceW DeOe#e leLee heyevOe efveosMeke, keee&heeueke efveosMeke leLee
As per the recommendations of the Khandelwal

Committee, Ministry of Finance, Government of India, vide
its communication dated 21st October, 2011, conveyed
that a Steering Committee of the Board on HR issues to
be constituted with Government Director and two
outstanding HR professionals, apart from Chairman and
Managing Director and Executive Directors. Accordingly,
the Bank at its Board meeting held on 27th February, 2012,
had constituted a Steering Committee of the Board on HR
to deal with the matters related to Human Resources. The
Committee as on 31st March 2014, comprises of the
following members:
Sr.
Name
No.
(i)
Shri S. S. Mundra
heoveece
126
20.03.2014

eer jbpeve OeJeve
eer ceewefueve Jew<CeJe
eer megjsv efmebn Yeb[ejer
[e@. oerheke yeer. Heeke
e.
The Committee met three times during the Financial Year

2013-14 as per the details below:
19.12.2013
Designation
Chairman & Managing
Director
(ii)
Shri P. Srinivas
Executive Director
(iii)
Shri Ranjan Dhawan
Executive Director
(iv)
Shri B. B. Joshi
Executive Director
(v)
Dr. K. P. Krishnan*
Government Nominee
Director
(vi)
Dr. Deepak Phatak

(vii) Dr. Asha Bhandarker
Professor, I I T, Mumbai
Professor, IMI, New Delhi
*joined w.e.f. 19-02-2014 in place of Shri Alok Nigam
During the Financial Year 2013-14, the Committee met on

09th October2013. All members attended the meeting except
Shri Ranjan Dhawan. Shri Alok Nigam, Govt. nominee
director attended the meeting through video conference.
4.14 Committee For Monitoring of Recovery

In terms of the guidelines received from Department of
Financial Services, Ministry of Finance, Government of India,
vide letter no. F.No.7/112/2012-BOA dated 21st November,
2012 in order to have a robust monitoring mechanism for
recovery, the Board constituted a committee of the Board,
consisting of the Chairman & Managing Director, Executive

mejkeej eje veeefcele efveosMeke neWies pees Jemetueer keer heieefle hej efveeefcele
he mes efveiejeveer jKeWies.

yeQke ves 29 veJecyej, 2012 kees Deeeesefpele yees[& keer yew"ke ceW Jemetueer keer
cee@veereEjie kes efueS meefceefle kee ie"ve efkeee.
31.03.2014 kees Ge meefceefle keer mebjevee efvecveevegmeej nw:
2013-14
Directors and Government Nominee Director, to monitor the

progress in recovery on regular basis.

The Bank at its Board meeting held on 29th November,

2012 constituted the Committee for Monitoring of
Recovery.
The composition of the committee as on 31st March, 2014

is as under:

- Chairman and
Managing Director
(i)
eer Sme.Sme.cetbo[e
(ii)
(iii)
eer jbpeve OeJeve
(iv)
(iv) Shri B.B.Joshi
(v) Dr. K.P.Krishnan

- Non Executive Director,

Government Nominee
This committee met on 6th April 2013, 5th June 2013, 21st
September 2013, 3rd December 2013 & 15th March, 2014
(v) [e@. kes. heer. ke=<Ceve

- Yeejle mejkeej eje veeefcele

iewj keee&heeueke efveosMeke

meefceefle keer yew"ke 06 Deewue 2013, 05 petve 2013, 21 efmelebyej 2013, 03
efomebyej 2013 Deewj 15 ceee& 2014 kees Deeeesefpele keer ieF&.

Name
veece
eer Sme.Sme.cetbo[e
eer jbpeve OeJeve


Yeeie efueee

their tenure
5
Meetings Attended
Shri P. Srinivas
Shri Ranjan Dhawan
Shri B. B. Joshi
Shri Alok Nigam
Dr. K. P. Krishnan
Shri S. S. Mundra
4.15 Mesej Oeejke efveosMekeeW kes egveeJe kes efueS heleeefMeeeW kes meceLe&ve mes
mebyebefOele meefceefle

efJeeere mesJeeSb efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej, veF& efouueer kes he$e
eceebke SHe.veb.16/112/2012-yeerDees-DeeF& efoveebke 03 Dehewue, 2012 kes
ceeOece mes eehle efoMee-efveoxMeeW kes Devegmeej efJeeere mebmLeeDeeW leLee meeJe&peefveke
#es$e keer yeercee kecheefveeeW efpeveceW nceeje yeQke meceeve Mesej Oeejke nw, ceW Mesej
OeejkeeW efveosMekeeW kes egveeJe kes efueS heleeefMeeeW kees meneesie osves kes eeespeve
mes efvecve meomeeW kes meeLe yees[& keer meefceefle kee ie"ve efkeee ieee:

4.15 COMMITTEE TO SUPPORT CANDIDATES FOR

ELECTION OF SHAREHOLDER DIRECTORS

31.03.2014 kees Ge meefceefle keer mebjevee efvecveevegmeej nw:
(i)
eer Sme.Sme.cetbo[e
(ii)
(iii)
eer jbpeve OeJeve
(iv)
(v)
eer jepeerye mesKej meent - efveosMeke (iewj keee&heeueke)
In terms of the guidelines received from Department of

Financial Services, Ministry of Finance, Government of
India, New Delhi, vide letter No.16/11/2012-BO-I dated
3rd April, 2012, a committee of the Board, for supporting
candidates for election of Share Holder Directors in
Financial Institutions and Public sector Insurance
Companies in which our Bank has equity shareholding
was constituted.
is as under:
(i)
Shri S. S. Mundra
- Chairman and Managing

Director

(iii) Shri Ranjan Dhawan - Executive Director
(iv) Shri B. B. Joshi
(v) Shri Rajib Sekhar Sahoo - Director (Non executive)
127

2013-14
eqJeeere Je<e& 2013-14 kes oewjeve meefceefle keer Ske yew"ke 19.07.2013 kees
Deeeesefpele ngF&.

eer jbpeve OeJeve

Meetings Attended
Shri P. Srinivas
Shri Ranjan Dhawan
Shri S. S. Mundra
iewj keee&heeueke efveosMekeeW keer ee$ee leLee "njves hej nesves Jeeues Jee meefnle
heeefjeefceke kee Yegieleeve jeêreke=le yeQke (heyevOeve SJeb efJeefJeOe heeJeOeeve)
eespevee, 1970 (eLee mebMeesefOele) keer Oeeje 17 ceW GequueefKele MeleeX kes Deveghe
mecee - mecee hej kesv mejkeej eje Yeejleere efjpeJe& yeQke kes hejeceMe& mes
eLee efveOee&efjle ceevekeeW kes Deveghe efkeee pee jne nw.
DeOe#e SJeb heyevOe efveosMeke leLee keee&heeueke efveosMeke kees heeefjeefceke kee
Yegieleeve Jesleve kes he ceW Yeejle mejkeej eje efveOee&efjle efveeceeW kes Deveghe
efkeee peelee nw. DeOe#e SJeb heyevOe efveosMeke leLee keee&heeueke efveosMekeeW kees
Yegieleeve efkeS ieS heeefjeefceke leLee keee&efve<heeove men heeslmeenve kee yeewje
efvecveevegmeej nw:
ke. efJeeere Je<e& 2013-14 kes oewjeve Jesleve kee Yegieleeve:
The remuneration including travelling and halting expenses

to Non-Executive Directors are being paid as stipulated by
the Central Government in consultation with Reserve Bank
of India from time to time in terms of Clause 17 of the
Nationalized Banks (Management and Miscellaneous
Provisions) Scheme, 1970 (as amended).
The Chairman and Managing Director and Executive

Directors (Four whole time directors) are being paid
remuneration by way of salary as per rules framed by the
Government of India. The details of remuneration and
Performance Linked Incentives paid to Chairman and
Managing Director and Executive Director/s is detailed
below:
A. Salary paid during the Financial Year 2013-14:
25,12,899
16,96,000
4,53,104
eer jbpeve OeJeve
17,47,958
10,94,767
128
eer Sme.Sme.cetbo[e
Shri Ranjan Dhawan

5
Remuneration of Directors
Amount (`)

4
5.
heoveece / Designation
Shri P. Srinivas
3
veece / Name
Shri S. S. Mundra
2

Yeeie efueee

their tenure
1
e. meb.
The Committee met once on 19-07-2013 during the F.Y.

2013-14.
The details of attendance of directors are as under :
5. efveosMekeeW kee heeefjeefceke
Sr. No
Executive Director
Executive Director (upto 08-07-2013)
Executive Director
Executive Director (w.e.f. 05-08-2013)

(Ke) Je<e& 2013-14 kes oewjeve keee&efve<heeove menye heeslmeenve kee Yegieleeve
e. meb.
Sr. No
1
Amount (`)
eer Sme. Sme. cegbo[e
1,15,068.00
3,14,521.00
keee&heeueke efveosMeke (8 pegueeF& 2013 leke)
3,14,521.00
eer jbpeve OeJeve
1,65,479.00
Executive Director

4
Executive Director (upto 8th July 2013)
Shri Ranjan Dhawan
Executive Director
jeêreke=le yeQke (eyebOeve SJeb efJeefJeOe eeJeOeeve) eespevee 1970 (mejkeejer efoMee
efveoxMeeW kes meeLe heef"le) kes eeJeOeeveeW kes Devegmeej efJeeere Je<e& 2013-14 kes oewjeve
iewj keee&heeueke efveosMekeeW kees eoe yew"ke menYeeefielee Meguke efvecveevegmeej nw.
(hetCe&keeefueke efveosMekeeW leLee Yeejle mejkeej leLee Yeejleere efjpeJe& yeQke eje veeefcele
efveosMekeeW kees efkemeer hekeej kee yew"ke menYeeefielee Meguke ose veneR nw)
e. meb.
Sr. No.
1
2
3
4
5
6
7
Performance Linked Incentives paid during 2013-14:
heoveece / Designation
Shri P. Srinivas
3
B.
veece / Name
Shri S.S. Mundra

2
2013-14
The Sitting Fee paid to the Non-Executive Directors as per the

provisions of Nationalized Banks (Management & Miscellaneous
Provisions) Scheme 1970, read with government guidelines,
during the Year 2013-14 is as under: (No sitting fee is payable
to whole time directors and directors representing Government
of India & RBI):

eer Depee ceeLegj
eer ceewefueve DejeEJeo Jew<CeJe
eer megjW eEmen Yeb[ejer
2,55,000.00
Shri V.B. Chavan
2,25,000.00
Shri Ajay Mathur
45,000.00
Yegieleeve keer ieF& jeefMe (.)
Amount Paid in `
1,25,000.00
2,75,000.00
3,25,000.00
4,00,000.00
6. meeceeve meYee keer yew"keW

meeceeve meYee keer iele leerve Je<eeX kes oewjeve Deeeesefpele yew"keeW kee efJeJejCe

efvecveevegmeej nw:
6.
General Body Meetings
The details of General Body Meetings held during the last

three years are given below:
yeQ"ke kee mJehe

efoveebke SJeb mecee
Nature of Meeting Date & Time
mLeeve
Venue
eeespeve
Purpose
15 JeeR Jeee|<eke meeceeve yew"ke 04 pegueeF&, 2011

heele: 10.30 yepes
15th Annual
04th July, 2011 at
General Meeting
10.30 a.m.
mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej

mesJee meove, yeQke Dee@He ye[ewoe Meleeyoer Je<e&
(20072008)er.heer.-1 SHe.heer.549/1
peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[,
Dekeese, Je[esoje 390020
yeQke kes 31 ceee&, 2011 kees meceehle DeJeefOe kes legueve he$e, 31 ceee&,
2011 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX SJeb
ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb uesKeeW
hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb mJeerkeej
kejvee leLee Je<e& 2010-11 kes efueS ueeYeebMe Ieesef<ele kejvee.
Sir Sayajirao Nagargriha,

Vadodara Mahanagar Seva
Sadan, Bank of Baroda
Centenary Year (2007-2008)
T.P.-1, F.P. 549/1, Near GEB
Colony, Old Padra Road,
Akota, Vadodara 390 020
To discuss, approve and adopt the Balance Sheet

of the Bank as at 31st March 2011, Profit and Loss
Account for the year ended 31st March 2011 the
report of the Board of Directors on the working and
activities of the Bank for the period covered by the
accounts and the Auditors Report on the Balance
Sheet and Accounts and to declare dividend for the
year 2010-11.
129
2013-14
yeQ"ke kee mJehe

mLeeve
Venue
eeespeve
Purpose
DemeeOeejCe meeceeve yew"ke 23 efomebyej, 2011

heele: 10.00 yepes
Extra Ordinary

(20072008)er.heer.-1 SHe.heer.549/1
mesyeer (hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee) efJeefveeceve, 2009

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees . 775 kejes[
kes FeqkeJeer Mesej / Jeejb peejer kejves Deewj DeeJebefle kejves kes efueS
Mesej OeejkeeW kee Devegceesove uesvee leLee yeQkekeejer kebheveer (GheeceeW kee
Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 kes Oeeje 9(3)(i) SJeb yeQke Dee@]He
ye[ewoe meeceeve (Mesej SJeb yew"ke) efJeefveeceve, 1998 keer Devegheeuevee ceW
kesv mejkeej mes efYeVe MesejOeejkeeW ceW mes leerve MesejOeejke efveosMekeeW
kee efveJee&eve kejvee.
General Meeting
23rd December,
2011 at 10.00
a.m.
Sir Sayaji Rao Nagargriha,

T.P.-1, F.P. 549/1, Near GEB
Vadodara390020
To seek approval of the shareholders for issuing

and to allot equity shares/warrants, aggregating to
Rs.775 crores to Government of India on preferential
basis in terms of SEBI (Issue of Capital & Disclosure
Requirements) Regulations, 2009 and to elect
THREE Shareholder Directors of the Bank amongst
shareholders, other than the Central Government, in
terms of Section 9 (3) (i) of the Banking Companies
(Acquisition and Transfer of Undertakings) Act,
1970 and Bank of Baroda General (Shares and
Meetings) Regulations, 1998.

27th March, 2012 (20072008)er.heer.-1 SHe.heer.549/1
at 10.00 a.m.
mesyeer hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee efJeefveeceve, 2009

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejleere peerJeve yeercee efveiece kees
leLee / DeLeJee Yeejleere peerJeve yeercee efveiece keer efJeefYeVe eespeveeDeeW
/ cegegDeue Heb[eW kes efueS 1,95,77,304 FeqkeJeer Mesej peejer kejves
Deewj DeeJebefle kejves kes efueS MesejOeejkeeW kee Devegceesove heehle kejvee.
16 Jeer Jeee|<eke meeceeve 28 petve, 2012 heele: mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej
yew"ke
10.30 yepes
(20072008)er.heer.-1 SHe.heer.549/1
16th Annual
28th June, 2012
General Meeting
at 10.30 a.m.
yeQke kes 31 ceee&, 2012 kees meceehle DeJeefOe kes legueve he$e, 31
ceee&, 2012 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX
SJeb ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb
uesKeeW hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb
mJeerkeej kejvee leLee Je<e& 2011-12 kes efueS ueeYeebMe Ieesef<ele kejvee
DemeeOeejCe meeceeve yew"ke 27 ceee&, 2012 heele:

Extra
10.00 yepes
Ordinary General
Meeting

T.P.-1, F.P. 549/1, Near GEB

T.P.-1, F.P. 549/1, Near GEB
Vadodara390020
DemeeOeejCe meeceeve yew"ke 11 ceee&, 2013

heele: 10.30 yepes
Extra Ordinary
General Meeting

11th March, 2013 (20072008)er.heer.-1 SHe.heer.549/1
at 10.30 a.m.
T.P.-1, F.P. 549/1, Near GEB
Vadodara390020
130

and to allot upto 1,95,77,304 equity shares to Life
Insurance Corporation of India and/or various
Schemes of Life Insurance Corporation of India
(LIC)/ Mutual Funds on preferential basis in terms of
SEBI (Issue of Capital & Disclosure Requirements)
Regulations, 2009.

year 2011-12.

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees 1,01,32,920
FeqkeJeer Mesej peejer kejves Deewj DeeJebefle kejves kes efueS MesejOeejkeeW
kee Devegceesove heehle kejvee.
and to allot upto 1,01,32,920 equity shares to
Government of India on preferential basis in terms of
SEBI (Issue of Capital & Disclosure Requirements)
Regulations, 2009.
yeQ"ke kee mJehe

mLeeve
Venue
2013-14
eeespeve
Purpose
17 Jeer Jeee|<eke meeceeve 26 petve, 2013 heele: mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej
yew"ke
10.30 yepes
mesJee meove, yeQke Dee@]He ye[ewoe Meleeyoer Je<e&
(2007-2008) er.heer-1, SHe.heer. 549/1,
17th Annual
26th June, 2013
General Meeting
at 10.30 a.m.
Dekeese, Je[esoje 390 020
yeQke kes 31 ceee&, 2013 kees meceehle DeJeefOe kes legueve he$e, 31 ceee&,
2013 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX SJeb
ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb uesKeeW
hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb mJeerkeej
kejvee leLee Je<e& 2012-13 kes efueS ueeYeebMe Ieesef<ele kejvee.
DemeeOeejCe meeceeve yew"ke 15 peveJejer, 2014

heele: 10.00 yepes
Extra Ordinary

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees 81,58,784
FeqkeJeer Mesej peejer kejves Deewj DeeJebefle kejves kes efueS MesejOeejkeeW
kee Devegceesove heehle kejvee.

T.P.-1, F.P. 549/1, Near GEB
Colony, Old Padra Road, Akota,
Vadodara 390 020
General Meeting
15th January,
2014
at 10.00 a.m.

(20072008)er.heer.-1 SHe.heer.549/1
T.P.-1, F.P. 549/1, Near GEB
7. HekeerkejCe
7.

year 2012-13.
To seek approval of the shareholders for issuing and

to allot upto 81,58,784 equity shares to Government
of India on preferential basis in terms of SEBI (Issue
of Capital & Disclosure Requirements) Regulations,
2009.
DISCLOSURES
(ke) mecye heeea mebJeJenejeW kee hekeerkejCe KeeleeW hej efhheefCeeeB Meer<e&
kes Debleie&le efkeee ieee nw.
a)
The Related Party Transactions are disclosed in the

Notes on Accounts.
(Ke) yeQke hej efheues leerve Je<eeX kes oewjeve hetbpeer yeepeej mes mecye efkemeer Yeer
ceeceues ceW efkemeer Yeer efJeefveeeceke heeefOekeejer DeLee&le me@ke SkemeeWpe
Deewj / DeLeJee mesyeer eje efkemeer efveece, efveoxMeeW SJeb efoMeeefveoxMeeW kee
Devegheeueve ve kejves kes efueS ve lees keesF& ob[ ueieeee ieee nw Deewj ve
ner efkemeer hekeej keer Yelme&vee keer ieF& nw.
b) No penalties and strictures have been imposed on

the Bank by the Stock Exchange and /or SEBI for
non-compliance of any law, guidelines and directives,
on any matters related to capital markets, during the
last three years.
(ie) efveosMekeeW ves metefele efkeee nw efke 31 ceee&, 2014 kees efveosMekeeW kes
yeere efkemeer hekeej kee heejmheefjke mecyevOe veneR nww.
c) Directors have disclosed that they have no

relationship between directors inter-se as on 31st
March 2014.
8. DeefveJeee& Deewj iewj-DeefveJeee& DeeJeMekeleeSb
8. MANDATORY AND NON-MANDATORY REQUIREMENTS
yeQke ves me@ke SkemeeWpeeW, peneB yeQke kes Mesej meteerye nQ, kes meeLe efkeS ieS
meteereve kejej kes mebMeesefOele Keb[ 49 ceW eLee GheyeeqvOele meYeer ueeiet DeefveJeee&
DeeJeMekeleeDeeW kee Devegheeueve efkeee nw.
The Bank has complied with all the applicable mandatory

requirements as provided in Revised Clause 49 of the
Listing Agreement entered into with the Stock Exchanges
where Banks shares are listed.
131

2013-14
iewj DeefveJeee& DeeJeMekeleeDeeW kes keeee&vJeeve keer ceewpetoe eqmLeefle Fme hekeej
nw:
ece meb. iewj-DeefveJeee& DeeJeMekeleeSb
The extent of implementation of non-mandatory

requirements is as under:
keeee&vJeeve keer efmLeefle
Status of Implementation
Sr. No. Non-mandatory requirements
1
DeOe#e kes keeee&uee kee jKejKeeJe, iewj keee&heeueke DeOe#e, kecheveer kes Kee& ueeiet veneR, keeeWekf e DeOe#e kee heo keee&heeueke kee heo nw.
hej kejWies.
Not Applicable, since the Chairmans position is Executive.
Non-executive Chairman to maintain Chairmans Office at
companys expense.
2
efveosMeke ceb[ue Ske heeefjeefceke meefceefle ieef"le kejsiee pees keee&heeueke efveosMekeeW ueeiet veneR, keee&heeueke efveosMeke, Yeejle mejkeej eje efveele Jesleve heehle kejles nQ. leLeeefhe,
kes efueS efJeefMe heeefjeefceke hewkespe mecyevOeer kecheveer keer heeefjeefceke veerelf e leweej kesv mejkeej eje peejer efoMeeefveoxMeeW kes Deveghe keee&evf e<heeove menye heels meenve hej efJeeej
kejsieer.
kejves kes efueS Ske heeefjeefceke meefceefle keee&jle nw.
Board to set-up a Remuneration Committee to formulate Not applicable, as Executive Directors draw salary as fixed by the
companys remuneration policy on specific remuneration Government of India. However a Remuneration Committee is in
package for Executive Directors.
operation to consider Performance Linked Incentive for executive
directors in terms of guidelines issued by the Central Government.
3
iele -6- ceen kes oewjeve cenlJehetCe& IeveeDeeW kes meejebMe meefnle efJeeere 30.09.2013 kees meceehle ceener kes efueS yeQke ves iele -6- ceen kes oewjeve cenlJehetCe& IeveeDeeW
keee&evf e<heeove keer ceener Iees<eCee MesejOeejkees kees Yespeer peees
kes meejebMe meefnle efJeeere keee&evf e<heeove kee ceener heefjCeece heleske MesejOeejke kees Yespe
Half-yearly declaration of financial performance including efoee nw. Fmekes Deefleefje yeQke kes efJeeere heefjCeece yeQke keer yesyemeeF& hej [eues peeles nQ.
summary of significant events in last six months to be sent The Bank has sent half-yearly financial results for the half year ended
30.09.2013 including summary of significant developments during last
to shareholders.
six months to each shareholder by post / e-mail. The financial results
are also posted on Banks website
4
kecheveer kees DevekeJeeueerHeeF[ efJeeere efJeJejefCeeeW keer JeJemLee kees Deheveevee eeefnS. yeQke ves DevekeJeeefueHeeF[ efJeeere efJeJejefCeeeW keer Deesj Deiemej nesves kes efueS keF& keoce G"eS nw.
Company may move towards regime of unqualified The Bank has already initiated steps for moving towards achieving
financial statements.
unqualified financial statements and there is no qualification in
Auditors report of the Bank.
5
kebheveer efveosMeke ceC[ue kes meomeeW kees efveosMeke kes he ceW efpeccesoejer Jenve Deewj efveosMeke ceb[ue eje DeheveeS ieS JeeJemeeefeke cee@[ue Deewj peeseKf ece heeHs eeFue kes meeLe-meeLe
Gvekee meJeexece { ib e mes efveJe&nve kejves kes efueS kecheveer kes JeeJemeeefeke cee@[ue Deeeej mebenf lee keer mechetCe& peevekeejer yees[& kes heleske meome kees mebhees <f ele keer ieF& nw. yeQke S[Jeebm[
ceW heeMf eef#ele kejves kes meeLe-meeLe kecheveer kes JeeJemeeefeke ceeveob[eW keer peeseKf ece HeeFveWeMf eeue uee|veie nsleg efveosMekeeW kees Yeejleere efjpeJe& yeQke, cegcyeF& Deee[erDeejyeerer, nwojeyeeo
heeHs eeFue kes yeejs ceW heeMf eef#ele kejW.W
leLee vesMeveue meke SkemeeWpe Dee@H] e Fbe[f ee efue., cegyb eF& hej heeMf e#eCe nsleg veeefcele kejlee nw.
Company may train Board Members in the Business Model
of the Company as well as risk profile of the business
parameters of the company, the responsibilities as Director
and the best way to discharge them.
efveosMeke ceb[ue kes Deve meomeeW eje iewj-keee&heeueke efveosMekeeW kes keee&- Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Deveghe Ske veeceebkeve meefceefle kee ie"ve efkeee ieee
efve<heeove kee cetueebkeve Deewj iewj-keee&heeueke efveosMekeeW kes efveosMeke heo hej yeves nw leLee eeefvele / veeefcele efveosMekeeW hej yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
jnves ee DeveLee efveCe&e uesvee.
DeefOeefveece, 1970 keer Oeeje 9(3) (DeeF&) kes DeOeerve efHe SC[ heeh@ ej efoMee-efveoxMe ueeiet nesles nQ.
The evaluation of performance of non-executive Directors
by other members of the Board and to decide to continue
or otherwise of the Directorship of the non-executive
Directors.
A complete overview of the Business Model and risk profile along

with Code of Conduct adopted by the Board of Directors has been
communicated to each member of the Board. The Bank nominates
Directors for training at Centre for Advanced Financial Learning of
RBI, Mumbai, IDRBT, Hyderabad and National Stock Exchange of
India Ltd., Mumbai.
A Nomination Committee has been constituted in terms of Reserve

Bank of India Guidelines and the elected directors under clause 9(3)(i)
of The Banking Companies (Acquisition & Transfer of Undertakings)
Act, 1970 are subject to determination of fit & proper status.
kecheveer Devewelf eke JeJenej, JeemleefJeke DeLeJee mevosnemheo OeesKeeOe[er Deeefo kes yeQke peveefnle hekeerkejCe leLee metevee heoeleeDeeW kes mebj#eCe hemleeJe (heerDeeF&[erheerDeeF&) kes
mevoYe& ceW heyevOeve keer eEeleeDeeW kes yeejs ceW efjhees& kejves kes efueS hetJe& mebkesle osves lenle efyemeue yueesDej efMekeeeleeW kes efueS kesvere meleke&lee Deeeesie kes efoMeeefveoxMeeW kee
Jeeueer (efyemeue yueesDej) veerelf e yeveeS.
DevegmejCe kejlee nw. Fmekes Deefleefje yeQke keer Deheveer keesF& efyemeue yueesDej veerelf e veneR nw.
The Company to establish the Whistle Blower Policy Bank follows Central Vigilance Commission Guidelines on Whistle
for reporting management concerns about unethical Blower complaints under Public Interest Disclosure and Protection
behaviors, actual or suspected fraud, etc.
of Informers (PIDPI) resolution. Apart from that Bank does not have
any Whistle Blower Policy of its own.
9. mebhes<eCe kes meeOeve

yeQke ceewpetoe efJekeefmele metevee heeweesefiekeer SJeb mebeej kes meeOeveeW kes ceeOece
mes Deheves meomeeW Deewj efnleOeejkeeW kees Gvekes efnleeW mes mecye peevekeeefjeeW
kes yeejs ceW metefele kejves keer DeeJeMekelee mecePelee nw.

yeQke kes efJeeere heefjCeeceeW kees efveosMeke ceC[ue keer yew"ke ceW Gvekes Devegceesove
kes heeele yew"ke keer meceeeqhle hej lelkeeue Gve me@ke SkemeeWpeeW kees hemlegle
132
9.
MEANS OF COMMUNICATION
The Bank recognizes the need for keeping its members

and stakeholders informed of the events of their interests
through present means of communication.
The financial results of the Bank are submitted to the stock

exchanges, where the securities of the Bank are listed,
immediately after the conclusion of the Board Meeting

efkeee peelee nw peneB hej yeQke keer heefleYetefleeeB meteerye nQ. es heefjCeece oes
ee DeefOeke meceeeej he$eeW ceW Yeer hekeeefMele kejJeeS peeles nQ efpeveceW mes Ske
Ssmee meceeeej he$e neslee nw efpemekee hemeej hetjs Yeejle ceW nes Deewj otmeje
meceeeej he$e Ssmee neslee nw efpemekee hemeej iegpejele jepe ceW nes, peneB yeQke
kee heOeeve keeee&uee eqmLele nw. yeQke ceener DeeOeej hej Deheves MesejOeejkeeW
kees heefjCeeceeW keer heefle hesef<ele kejlee nw. yeQke Deheves efJeeere heefjCeeceeW leLee
YeeJeer eespeveeDeeW keer Iees<eCee kejves kes efueS Svesefuem yew"keW, hesme kee@bHeWme
Fleeefo Yeer Deeeesefpele kejlee nw.

yeQke kes efleceener / Fej t [s / Jeee|<eke efJeeere heefjCeeceeW kes meeLe-meeLe
Svesefuem kees efoS ieS hespeWsMeve keer heefle leLee Deve DeeefOekeeefjke meceeeej
yeQke keer yesyemeeF http://www.bankofbaroda.com. hej GheueyOe
jnles nQ. Svesefuem yew"ke ceW keer ieF& hemlegefle kes yesyekeem (meerOee hemeejCe
Deewj mebie=efnle) kees osKeves nsleg yesyemeeF ceW eEueke GheueyOe kejeee peelee nw.
10. keeheexjs ieJeveXme kes lenle heee&JejCe Gheee
(ke) meYeer MesejOeejkeeW efpevekes heeme Mesej Yeewefleke he ceW nQ, mes DevegjesOe nw kes
Jes Dehevee F&-cesue DeeF&[er nceejs heeme ee nceejs jefpemêj kes heeme efpemekee
helee Fme efjhees& ceW Deve$e efoee ieee nw, kes heeme hebpeer ke=le kejJee oW leeefke
nce omleeJespe, veesefme, meches<eCe, Jeee|<eke efjhees& Deeefo F&-cesue kes ceeOece mes
Yespe mekeW.
(Ke) Jes MesejOeejke efpevekes heeme Mesej DeYeewefleke he ceW nQ, Gvemes DevegjesOe nw
efke Jes Gheeg&e heeespeve kes efueS Deheves F&-cesue DeeF&[er mecyeeqvOele ef[heesefpejer
heefleYeeieer kes heeme hebpeerke=le kejJee oW.
11. heejoe|Melee Deewj Devegheeueve DeefOekeejer

efvecveefueefKele Deefleefje keee& nceejs yeQke kes keeheexjs ceskesefvepce kes Debleie&le
DeefOeke mes DeefOeke hekeerkejCe SJeb Devegheeueve kes heefle yeQke keer heefleyelee
kees Deewj Yeer Jeeheke yeveeles nQ::
11.1 heejoe|Melee DeefOekeejer

kesvere metevee Deeege (meerDeeF&meer) kes efveoxMeeW kes Devegmeej yeQke ves HejJejer
2011 mes Deheves Ske Jeefj DeefOekeejer kees heejoe|Melee DeefOekeejer kes he ceW
efveege efkeee nw. en heejoe|Melee DeefOekeejer efvecveefueefKele kes efueS Gejoeeer
nesiee:
l ueeske heeefOekeeefjeeW kes yeewjs mes mecye metevee DeefOekeej (DeejerDeeF&)
DeefOeefveece keer Oeeje 4 kes Devegheeueve keer eqmLeefle keer mebJeer#ee kejvee Deewj
GmeceW ngF& heieefle mes Ge heyevOeve kees DeJeiele kejevee.
l
DeejerDeeF& DeefOeefveece kes Devegheeueve ceW heieefle kes efJe<ee ceW meerDeeF&meer kes
efueS FbjHesme kes he ceW keee& kejvee.
l kesvere ueeske metevee DeefOekeejer (meerheerDeeF&Dees), kesvere ueeske metevee
DeefOekeeefjeeW (meerheerDeeF&Dees) eje efkeS ieS DeejerDeeF& DevegjesOeeW kes mecyevOe
ceW mekeejelceke Deewj mecee hej Gej osves nsleg Devegketue heefjeqmLeefleeeB efvee|cele
kejves nsleg heeslmeeefnle kejves kes efueS meneesie heoeve kejvee.
l
DeejerDeeF& mes mecye meYeer ceeceueeW ceW pevelee kes efueS Ske mecheke& efyevog
yeveevee.
yeQke kes efveoxMeevegmeej efveOee&efjle heehe ceW mecemle peevekeejer yesyemeeF& hej Deheuees[
keer ieF& nw Deewj en peevekeejer mecee mecee hej Deeleve keer peeleer nw.
11.2 Devegheeueve mebyebOeer keee&

Yeejleere efjpeJe& yeQke kes efveoxMeeW kes Devegmeej 2007 mes Devegheeueve efJeYeeie keer
mLeehevee keer ieF& nw. en efJeYeeie efJeefYeVe efJeOeeeer mebmLeeDeeW pewmes yeQkekeejer
efJeefveeceve DeefOeefveece, Yeejleere efjpeJe& yeQke DeefOeefveece, efJeosMeer cege heyevOeve
DeefOeefveece, OeveMeesOeve efveJeejCe DeefOeefveece Deeefo ceW GequueefKele efJeefJeOe
meebeJf eefOeke heeJeOeeveeW kee ke[e Devegheeueve megevf eeqele kejlee nw, meeLe ner, mecee
mecee hej peejer efkeS ieS Deve efveeb$eke efoMeeefveoxMeeW, Yeejleere yeQekE eie meeqvnlee
SJeb ceeveke yees[& eje efveOee&ejf le efkeS ieS ceevekeeW SJeb mebenf leeDeeW, Yeejleere yeQke
2013-14
approving the same. The results are also published in

minimum two or more newspapers, one circulating in the
whole or substantially the whole of India and the other
circulating in the state of Gujarat where the Head Office
of the Bank is situated. The Bank furnishes results to the
Shareholders on Half Yearly basis. The Bank also
organizes analysts-meets, press conferences etc. for
announcing Banks financial results and its future plans.
The Quarterly / Year to Date / Annual Financial Results of
the Bank as well as the copy of presentation made to Analysts
and other official news portals are posted on the Banks
Website http://www.bankofbaroda.com. The live web cast
of presentation made to Analysts Meet is made accessible
from links uploaded in the website and the archived webcast
is also available in the website for 30 days.
10. Green Initiative under Corporate Governance:

a. the shareholders having shares in physical form are
requested to register their e-mail ids with us or our
Registrars, at the address given elsewhere in this
report, to enable us to serve any document, notice,
communication, annual reports etc. through e-mail.
b. the shareholders holding shares in Demat form are
requested to register their e-mail ID with their
respective Depository Participant for the above
purpose.
11. TRANSPARENCY & COMPLIANCE OFFICER

Further following additional functions also enhance Banks

commitment to more & more disclosures and compliance
under corporate Governance mechanism of our Bank.
11.1 Transparency Officer

As per the directions of Central Information Commissioner
(CIC), Bank has appointed one of the Senior Officer as
Transparency Officer since February 2011. The
Transparency Officer is responsible for the following.
l
To oversee the implementation of the Section 4 of Right
to Information (RTI) Act detailing with obligations of public
authorities and to apprise the top management of its
progress.
l
To be the interface for the CIC regarding the progress in
implementation of RTI Act.
l
Help promote congenial conditions for positive and timely
response to RTI-request by Central Pubic Information
Officers (CPIOs), deemed-CPIOs.
l
To be a contact point for the public in all RTI-related
matters.

The Bank has uploaded all the information as directed in
the specified format on website and this information is
updated from time to time.
11.2 Compliance Function

The compliance department is set up since 2007 as per
RBI directions. The department is ensuring strict
observance of all statutory provisions contained in various
legislations such as Banking Regulation Act, Reserve
Bank of India Act, Foreign Exchange Management Act,
Prevention of Money Laundering Act etc. as well as to
ensure observance of other regulatory guidelines issued
from time to time; standards and codes prescribed by
Banking Codes & Standards Board of India, IBA, Foreign
133
2013-14
mebIe, Yeejleere efJeosMeer cege Jeeheejer mebIe (HesoeF&), efHekem[ Fvekece ceveer ceekex
[sjerFJesef Jpe Smeesemf eSMeve Dee@He Fbe[f ee (SHeDeeF&SceSce[erS), kesJeeemeer ceeveob[eW
/ efoMeeefveoxMeeW kee leLee heleske yeQke keer Deebleefjke veerelf eeeW SJeb Gefele JeJenej
mebenq lee kee Yeer Devegheeueve megevf eeqele kejlee nw. Devegheeueve keevetveeW, efveece SJeb
ceevekeeW ceW meeceeveleee yeepeej JeJenejeW kes mecegef ele ceevekeeW kee Devegheeueve,
hejmhej celeYesoeW kees meguePeeles ngS efnleeW keer megj#ee, ieenkeeW mes mecegef ele JeJenej
kejvee SJeb ieenke hejeceMe& keer mecegef elelee megevf eeqele kejves pewmes ceeceueeW kee
meceeJesMe neslee nw.
12. MesejOeejkeeW mes mebye metevee

yeQke kes Mesej Yeejle ceW efvecveefueefKele hecegKe me@ke SkemeeWpeeW ceW meteerye nQ:
Exchange Dealers Association of India (FEDAI), Fixed

Income Money Market Derivatives Association of India
(FIMMDA), KYC Norms/ Guidelines and also our bank's
internal policies and fair practices code. Compliance laws,
rules and standards generally cover matters such as
observing proper standards of market conduct, managing
conflicts of interest, treating customers fairly, and ensuring
the suitability of customer advice.
12. SHAREHOLDERS INFORMATION

BSE Ltd.,
Phiroze Jeejeebhoy Towers
25th Floor, Dalal Street
Fort, Mumbai - 400 001
BSE CODE : 532134
yee@cyes me@ke SkemeeWpe efueefces[

efHejespe peerpeerYeeF& eJeme&, 25Jeeb leue,
oueeue mêr, Hees&,
cegbyeF& 400 001
yeerSmeF& kees[ : 532134
National Stock Exchange of India Ltd.,

Exchange Plaza
Bandra Kurla Complex,
Bandra,(East),
Mumbai - 400 051
NSE CODE : BANKBARODA
vesMeveue me@ke SkemeeWpe Dee@He Fbef[ee efue.

SkemeeWpe hueepee
yeebe-keguee& kee@chueskeme,
yeebe (hetJe&),
cegbyeF& - 400 051
SveSmeF& kees[ : BANKBARODA

SkemeeWpeeW ceW meteerye meYeer heefleYetefleeeW kes mecyevOe ceW Deye leke kes Jeee|<eke
meteereve Meguke kee Yegieleeve kej efoee ieee nww.
The Banks shares are listed on the following major Stock

Exchanges in India:
The annual listing fees in respect of all the securities listed

with the exchange(s) have been paid till date.
12.1: Dematerialization of Securities
12.1. heefleYetefleeeW kee De-YeeweflekeerkejCe

yeQke kes Mesej mesyeer keer DeefveJeee& DeYeewefleke meteer kes Debleie&le Deeles nQ Deewj yeQke
ves Deheves MesejeW kes DeYeeweflekeerkejCe kes efueS vesMeveue efmekeeesefjer ef[heesefpejer
efueefces[ (SveSme[erSue) leLee meWûe ef[heesefpejer mee|Jemespe (Fbef[ee) efueefces[
(meer[erSmeSue) kes meeLe kejej efkeee nw. MesejOeejke SveSme[erSue leLee
meer[erSmeSue kes heeme Deheves Mesej kees DeYeeweflekeerke=le kejJee mekeles nQ.
31 ceee&, 2014 kees yeQke kes heeme hele#e SJeb DeYeewefleke he ceW Oeeefjle
FeqkeJeer Mesej efvecveevegmeej nQ, efpevekee yeewje Fme ekeej nw:
The shares of the Bank are under compulsory demat list

of SEBI and the Bank has entered in to Agreements with
National Securities Depository Limited (NSDL) and
Central Depository Services (India) Limited (CDSL) for
dematerialization of Banks shares. Shareholders can get
their shares dematerialized with either NSDL or CDSL.
As on March 31, 2014 the Bank has following number of

Equity Shares in physical and dematerialized form, as
per the detail given below.
Oeeefjlee kee mJehe
Nature of Holding
ceeceues / Cases
Mesej / Shares
eefleMele / Percentage
Yeewefleke
PHYSICAL
48761
7599869
1.77
SveSme[erSue
NSDL
95867
176411668
41.08
meer[erSmeSue
CDSL
35748
245403550
57.15
kegue
Total:
180376
429415087
100.00
yeQke eje Je<e& 2003 ceW 27,38,300 FeqkeJeer Mesej peyle efkeS ieS efpeveceW mes
31 ceee&, 2014 leke 4800 FeqkeJeer Mesej (Svetu[) DeefYeMetve efkeS ieS.
12.2: Fueskeê@efveke meceeMeesOeve mesJeeSb (F&meerSme)

jeêre Fuewkeêsefveke meceeMeesOeve mesJeeSb (SveF&meerSme) Yegieleeve kee Ske

DeeOegefveke lejerkee nw efpemeceW ueeYeebMe / yeepe Fleeefo keer jeefMeeeB mecyeeqvOele
efveJesMekeeW kes yeQke Keeles ceW meerOes ner pecee kej oer peeleer nQ. yeQke ves Deheves
MesejOeejkeeW kees Yeejleere efjpeJe& yeQke keer vesMeveue F&meerSme megefJeOee kes lenle
keJej meYeer kesveW hej GheueyOe Fme megefJeOee kee Fmlesceeue kejves kes efJekeuhe
kes meeLe mesJeeSb hesMe keer nQ.
SveF&meerSme / [eejske esef[ ceW[s hehe$e Jeee|<eke efjhees& kes meeLe mebueive nw.
134
The Bank had forfeited 27,38,300 equity share in the year

2003 and out of the same 4800 equity shares were
annulled up to 31st March 2014.
12.2: National Electronic Clearing Services (NECS):

National Electronic Clearing Services (NECS) is a modern

method of payment where the amounts of dividend/
interest etc., are directly credited to the bank accounts of
the Investors concerned. The Bank has offered the
services to the shareholders with an option to avail the
facility at all the centers covered by Reserve Bank of India
under its National ECS facility.
The NECS/ Direct Credit mandate form is appended with

the Annual Report.
2013-14
12.3: Mesej DeblejCe heCeeueer leLee efveJesMekeeW keer efMekeeeleeW kee efveJeejCe
12.3: Share Transfer System and Redressal of Investors

Grievances
yeQke megefveeqele kejlee nw efke MesejeW kee DeblejCe mecyevOeer mecemle keee&
Gvekeer hemlegefle keer leejerKe mes 15 efove kes Yeerlej efJeefOeJele he mes mecheVe
nes peeS. yees[& ves MesejeW Deewj yee@C[eW kes DeblejCe leLee Deve mecye ceeceueeW
hej efJeeej kejves kes efueS MesejOeejke / efveJesMeke efMekeeele meefceefle Deewj
Mesej DeblejCe meefceefle ieef"le keer nw. es meefceefleeeB efveeefcele Deblejeue
hej yew"ke Deeeesefpele kejleer nQ Deewj efveJesMeke-efMekeeeleeW keer eqmLeefle keer
meceer#ee kejleer nQ.
yeQke ves cew. keeJeea kechetjMesej hee.efue. kees Deheves jefpemêj Deewj
DeblejCe SpeW kes he ceW efveege efkeee nw efpemekee keee& Mesej / yee@C[
DeblejCe, ueeYeebMe / yeepe Yegieleeve kees heesmesme kejvee, MesejOeejkeeW kes
DevegjesOe ope& kejvee, efveJesMekeeW keer efMekeeeleeW kee meceeOeeve leLee Mesej
/ yee@C[ peejer kejves mecyevOeer Deve ieefleefJeefOeeeW / keeeeX kees megefveeqele
kejvee nw. efveJesMeke Deheves DeblejCe efJeuesKe / DevegjesOe / efMekeeeleW efvecve
heles hej jefpemêj kees efYepeJee mekeles nQ.
The Bank ensures that all transfers of Shares are duly

affected within a period of -15- days from the date of their
lodgment. The Board has constituted Shareholders/
Investors Grievances Committee to monitor and review
the progress in redressal of general shareholders and
investors grievances and Shares Transfer Committee to
consider transfer of Shares and Bonds and other related
matters. The Committees meet at regular intervals and
review the status of Investors' Grievances.
The Bank has appointed M/s. Karvy Computershare

Private Limited as its Registrars and Transfer Agent with
a mandate to process transfer of Shares / Bonds, dividend
/ interest payments, recording of Shareholders requests,
solution of investors grievances amongst other activities
connected with the issue of Shares / Bonds. The
Investors may lodge their transfer deeds / requests /
complaints with the Registrars at following address:
ceQ. keeJeea kebhetjMesej hee.efue. (etefve: yeQke Dee@]He ye[ewoe)

huee@ veb.17 mes 24, Fcespe Demheleeue kes heeme
efJeuejeJe veiej, ceeOeehegj
nwojeyeeo - 500 081
Heesve: (040) 23420815 mes 820, Hewkeme: (040) 23420814
F&-cesue : einward.ris@karvy.com
M/S Karvy Computershare Private Limited

(Unit: Bank of Baroda)
Plot No.17 to 24, Near Image Hospital
Vittalrao Nagar, Madhapur
Hyderabad - 500 081
Phone: (040) 23420815 to 820, Fax: (040) 23420814
E Mail: einward.ris@karvy.com
yeQke ves ef[yeWej veemeer keer Yeer efveegefe keer nw, efpemekee helee veeres efoee ieee
nw:
DeeF&[eryeerDeeF& ^merefMehe meefJe&mesme efue.
SefMeeve efyeefu[bie, Yet-leue,
17, Deej keceeveer ceeie&, yesuee[& Sms
cegbyeF& - 400 001
ssueerHeesve : (022) 40807000
Hewkeme : (022) 66311776 / 40807080
F&-cesue : itsl@idbitrustee.com
The Bank has also appointed Debenture Trustee as

follows:
yeQke ves efveJesMeke mesJeeSb efJeYeeie keer mLeehevee keeheexjs keeee&uee, cegcyeF& ceW Yeer
keer nw, efpemekes heYeejer kecheveer meefeJe nQ. peneB MesejOeejke Deheves DevegjesOeeW /
efMekeeeleeW kees meceeOeeve nsleg efvecveefueefKele heles hej Yespe mekeles nQ. Jes Deheveer
efMekeeeleW / DevegjesOe heOeeve keeee&uee, Je[esoje kees efvecveefueefKele heles hej Yeer
Yespe mekeles nQ:
yeQke Dee@]He ye[ewoe
efveJesMeke, mesJee efJeYeeie le=leere leue,
ye[ewoe keeheexjs meWj
meer-26, peer-yuee@ke, yeebe-keguee& kee@chueskeme
yeebe (hetJe&), cegbyeF& 400 051
sueerHeesve : (022) 66985000, 6698 5812
/ 5846
Hewkeme : (022) 2652 6660
F&-cesue : investorservices@
bankofbaroda.com
(Ge F&-cesue DeeF&[er efJeMes<e he mes me@ke

SkemeeWpeeW kes meeLe meteerye nesves kes kejej kes
Keb[ 47(SHe) kes DevegmejCe ceW efveJesMekeeW keer
efMekeeeleeW nsleg yeveeee ieee nw)

cegKe heyebOeke
ieenke mesJee Dee"Jeeb leue, metjpe hueepee I,
meeepeeriebpe,
Je[esoje 390 005
sueerHeesve : 0265 2361724
Hewkeme veb. : 0265 2361824
F&-cesue: customerservice@
bankofbaroda.com
IDBI Trusteeship Services Ltd.

Asian Building, Ground Floor,

17, R Kamani Marg, Ballard Estate

Mumbai 400 001

Tel: (022) 40807000

Fax: (022) 66311776 / 40807080

Email: itsl@idbitrustee.com

The Bank has also established Investors' Services

Department, headed by the Company Secretary at
Corporate Office, Mumbai wherein shareholders can mail
their requests / complaints for resolution at the address
given below. They can also send their complaints/requests
at the address given below at Head Office, Vadodara:
Bank of Baroda
Investors Services Department
3rd Floor, Baroda Corporate Centre
C-26, G-Block, Bandra-Kurla Complex
Bandra (East), Mumbai 400 051
Telephone : (022) 66985000, 6698
5812/5846
Fax : (022) 2652 6660
E mail : investorservices@
bankofbaroda.com
(The aforesaid e-mail ID is exclusively
designated for investors' complaints
pursuant to Clause 47(F) of the listing
agreement with Stock Exchanges)
Bank of Baroda
Chief Manager,
Customer Service,
8th Floor, Suraj Plaza I,
Sayajiganj,
Vadodara 390 005
Telephone : 0265
2361724
Fax No. : 0265
2361824
Email: customerservice@
bankofbaroda.com
135
2013-14
13. keeheexjs ieJevexme jseEie
13. CORPORATE GOVERNANCE RATING
yeQke Dee@He ye[ewoe meeJe&peefveke #es$e kee henuee Ssmee yeQke nw efpemes jseEie
SpeWmeer, DeeF&meerDeejS efue. eje yeQke keer keeheexjs ieJeveXme keee& heefle kees
jseEie heoeve keer ieF& nw. DeeF&meerDeejS eje henueer yeej pegueeF&, 2004 ceW
"meerpeerDeej 2" jseEie heoeve keer ieF&. yeQke kees ener jseEie DeLee&le meerpeerDeej
2 jseEie hegve: eceMe: HejJejer 2006, efmelecyej 2007, Dehewue 2010, ceee&
2011, Dehewue 2013 Deewj ceee& 2014 ceW Yeer heoeve keer ieF&. meerpeerDeej 1 mes
meerpeerDeej 6 kes Ge jseEie mkesue ceW meerpeerDeej 1 meJeexe jseEie kenueeleer
nw. meerpeerDeej 2 jseEie mes DeefYeheee nw efke jseEie SpeWmeer DeeF&meerDeejS keer
jee ceW yeQke ves Gve heefleeeW, hejchejeDeeW SJeb mebefnleeDeeW kees Deheveeee nw
leLee Gvekee heeueve kej jne nw pees yeQke kes efnleOeejkeeW SJeb peceekelee&DeeW
kees iegCeJeeehetCe& keeheexjs ieJeveXme kee Deeeemeve heoeve kejlee nw. en jseEie
yeQke keer heejoMeea mJeeefcelJe mebjevee, megJeJeeqmLele keee&heeueke heyevOeve
mebjevee, meblees<epeveke peesefKece heyevOeve heefleeeW, yees[& SJeb Jeefj heyevOeve
keer efveegefeeeW ceW heejoe|Melee, efJemle=le SJeb heefj<ke=le uesKee keee&efJeefOe, pees efke
efvejer#eCe heYeeie leLee mJeleb$e uesKee HeceeX eje Deheveeeer peeleer nw, kees oMee&leer
nw.
14. efJeeere ke@uesv[j

efJeeere Je<e& 1 Dehewue, 2013 mes 31 ceee&, 2014
KeeleeW (Skeue SJeb mecesefkele) SJeb
ueeYeebMe mecyevOeer efmeHeeefjMeeW hej
efJeeej efJeceMe& kejves nsleg efveosMeke
ceb[ue keer yew"ke
18 JeeR Jeee|<eke meeceeve yew"ke keer
leejerKe, mecee SJeb mLeeve
13.05.2014
Bank of Baroda is the first Public Sector Bank having been

assigned a rating to its Corporate Governance Practices
by ICRA Limited. The ICRA had assigned the rating of
CGR2 (pronounced as CGR 2) on a rating scale of CGR
1 to CGR 6 where CGR 1 denotes the highest rating, in
July 2004, which has been reaffirmed in February 2006,
September 2007, April 2010, March 2011, April 2013 and
March 2014 respectively. The CGR 2 rating implies that in
ICRAs current opinion, the Bank has adopted and follows
such practices, convention and codes as would provide
its financial stakeholders including the depositors, a high
level of assurance on the quality of Corporate Governance.
The rating reflects Banks transparent ownership structure,
well-defined executive management structure, satisfactory
risk management practices, transparency in appointment
and functioning of the Board and Senior Management and
an elaborate audit function, carried out both by its
Inspection Division and independent audit firms.
14. Financial Calendar

Financial Year 1st April, 2013 to 31st March, 2014
Board Meeting for

considering of Accounts
(Standalone & Consolidated)
and recommendation of
dividend.
13.05.2014
25 petve 2014 kees heele: 10.30 yepes Date, Time & Venue of the
25th June 2014 At 10.30 a.m.
mej meeepeerjeJe veiejie=n, Je[esoje

ceneveiej mesJee meove, er.heer.-1,
SHe.heer. 549/1, peerF&yeer kee@ueesveer
kes heeme, Deesu[ heeoje jes[, Dekeese,
Je[esoje 390020

Sadan, T. P. 1, F. P.
549/1, Near GEB Colony,
Old Padra Road, Akota,
Vadodara 390 020
18 AGM
th
yeefneeB yevo kejves keer leejerKe
14 petve, 2014 mes 25 petve, 2014

(oesveeW efove Meeefceue)
Book Closure dates
14th June 2014 to 25th June

2014 (both days inclusive)
hee@kemeer Heece& heehle kejves keer Debeflece

leejerKe
20 petve, 2014
Last Date for receipt of Proxy

Forms
20th June 2014
ueeYeebMe Yegieleeve keer leejerKe
09 pegueeF&, 2014
Dividend Payment date
09th July 2014
136
15. SHAREHOLDING PATTERN AS ON 31st MARCH 2014
15. 31 ceee& 2014 kees MesejOeeefjlee hewve&

ece
meb.
Description
efJeJejCe
Sr.
No.
MesejOeejkeeW keer
mebKee
Shares
Mesej
241571283
56.26
195
29239155
6.81
No. of Share
Holders
FefkeJeer kee
HeefleMele
% to Equity
Yeejle mejkeej (heJele&ke)
Govt. of India (Promoters)
cetegDeue Heb[ / eterDeeF&
Mutual Funds / UTI
efJeeere mebmLeeSb / yeQke
Financial Institutions / Banks
31
5267177
1.23
yeercee kecheefveeeb
Insurance Companies
50
45278262
10.54
efJeosMeer mebmLeeiele efveJesMeke
Foreign Institutional Investors
418
67066741
15.62
efveieefcele efvekeee
Bodies Corporate
1578
16516922
3.85
efveJeemeer Jeweefeke
Resident Individuals
173918
19959484
4.65
DeefveJeemeer Yeejleere
Non Resident Indians
3596
2037577
0.47
efJeosMeer keeheexjs efvekeee
Overseas Corporate Bodies
22000
0.01
10
meceeMeesOeve meome
Clearing members
548
1863584
0.43
11
veeme
Trusts
38
592902
0.13
kegue
Total
180376
429415087
100.00
16. STATUS OF SHARES LYING IN ESCROW/SUSPENSE

ACCOUNT AS ON 31st MARCH, 2014
16. 31 ceee&, 2014 kees Smees/Geble KeeleeW ceW he[s ngS MesejeW keer eqmLeefle

2013-14
16.ke. Geble Keeles ceW he[s ngS MesejeW keer eqmLeefle (hele#e Mesej ef[ueerJejer
16.a. Status of Shares lying in Suspense A/c (Physical

Shares - returned undelivered)
ve nes mekeves kes keejCe Jeeheme efkeS ieS)

01.04.2013 kees heejbefYeke Mes<e
Opening Balance as
on 01.04.2013
efJeeere Je<e& 2013-14 kes oewjeve

heehle DevegjesOeeW keer mebKee
efJeeere Je<e& 2013-14 kes oewjeve esef[

efkeS ieS Mesej
No. of requests
received during the
Financial Year 2013-14
Shares credited during the

ceeceues / Cases Mesej / Shares
ceeceues / Cases
Mesej / Shares
ceeceues / Cases
74
17700
600
31 ceee&, 2014 kees Debeflece Mes<e

Closing Balance as on
31st March 2014
ceeceues / Cases
Mesej / Shares
72
17100
137

2013-14
16.b. Status of Shares lying in Escrow / Suspense A/c

(Demat Shares - returned undelivered)
16.(Ke). Smees / Geble Keeles ceW he[s ngS MesejeW keer eqmLeefle (DeYeewelf ekeerke=le
Mesej ef[ueerJejer ve nes mekeves kes keejCe Jeeheme ngS)
01.04.2013 kees heejbefYeke Mes<e
Opening Balance as
on 01.04.2013
efJeeere Je<e& 2013-14 kes oewjeve

heehle DevegjesOeeW keer mebKee
efJeeere Je<e& 2013-14 kes oewjeve esef[

efkeS ieS Mesej
No. of requests
received during the
Shares credited during the

ceeceues / Cases Mesej / Shares
ceeceues / Cases
Mesej / Shares
ceeceues / Cases
172
19938
17. 31 ceee&, 2014 kees Mesej OeejkeeW kee Deeyebve mebyebOeer esCeer-Jeej
efJeJejCe
31 ceee&, 2014 kees Debeflece Mes<e

Closing Balance as on
31st March 2014
549
ceeceues / Cases
Mesej / Shares
166
19389
17. DISTRIBUTION OF SHAREHOLDERS - CATEGORY

WISE AS ON 31ST MARCH, 2014
31/03/2014 kees Deeyebve leeefuekee (kegue)

Distribution Schedule As On 31/03/2014 (Total)
Sr. No.
ece meb.
esCeer
Category
1-5000
ceeceueeW keer mebKee

No. of Cases
ceeceueeW kee %
% of Cases
jeefMe (`)
Amount `.
jeefMe kee %
% of Amount
176161
97.66
172721670.00
4.02
5001- 10000
2337
1.30
18437230.00
0.43
10001- 20000
723
0.40
10960010.00
0.26
20001- 30000
243
0.13
6276610.00
0.15
30001- 40000
107
0.06
3855820.00
0.09
40001- 50000
86
0.05
4043940.00
0.09
50001- 100000
180
0.10
13195060.00
0.31
100001& Above
539
0.30
4064660530.00
94.66
180376
100.00
4294150870.00
100.00
Total
138

18. 31 ceee&, 2014 kees MesejOeejkeeW kee Yeewieesefueke eq mes Deeyebve mebyebOeer
(jepe-Jeej) efJeJejCe
18. GEOGRAPHICAL (STATE WISE) DISTRIBUTION OF

SHAREHOLDERS AS AT 31ST MARCH 2014
jepe
State
DeebOe heosMe
ANDHRA PRADESH
DeCeeeue heosMe
ARUNACHAL PRADESH
Demece
ece meb.
Sr. No.
2013-14
ceeceues
Mesej
Cases
Shares
6943
958794
13
1240
ASSAM
597
59445
efyenej
BIHAR
3033
278308
eb[erie{
CHANDIGARH
508
66730
efouueer
DELHI
8047
243051611
ieesJee
GOA
1515
249200
iegpejele
GUJARAT
42448
5223558
nefjeeCee
HARYANA
2225
244063
10
efnceeeue heosMe
HIMACHAL PRADESH
266
24519
11
peccet SJeb keMceerj
JAMMU AND KASHMIR
231
28546
12
kevee&ke
KARNATAKA
8651
833292
13
kesjue
KERALA
3408
441383
14
ceOeheosMe
MADHYA PRADESH
5106
646523
15
ceneje^
MAHARASHTRA
47571
168800542
16
cesIeeuee
MEGHALAYA
98
12159
17
veeieeueQ[
NAGALAND
98
21335
18
G[ermee
ORISSA
1148
100341
19
Deve
OTHERS
3479
1527906
20
hebpeeye
PUNJAB
1672
196319
21
jepemLeeve
RAJASTHAN
10655
1208764
22
leefceuevee[t
TAMIL NADU
12325
2746108
23
ef$ehegje
TRIPURA
118
15454
24
Gej heosMe
UTTAR PRADESH
12921
1477272
25
heeqece yebieeue
WEST BENGAL
7300
1201675
kegue
Total
180376
429415087
139
2013-14
19. me@ke SkemeeWpeeW ceW MesejeW kes meewoeW keer cee$ee leLee Mesej cetue Deewj
Fb[skeme [ee
19. (ke). me@ke SkemeeWpeeW ceW MesejeW kes meewoeW keer cee$ee leLee Mesej cetue
(01.04.2013 mes 31.03.2014)
ceen
Month
19. SHARE PRICE, VOLUME OF SHARES TRADED IN

STOCK EXCHANGES AND INDEX DATA
19. a Share Price, Volume of Shares Traded in Stock
Exchanges (From 01.04.2013 to 31.03.2014)
vesMeveue me@ke SkemeeWpe Dee@He Fbef[ee efue. (SveSmeF&)
National Stock Exchange of India Limited (NSE)
Gelece (.)
Highest (`)
vetvelece (.)
Lowest (`)
yee@cyes me@ke SkemeeWpe efue. (yeerSmeF&)

BSE Ltd. (BSE)
meewoeW keer cee$ee

(mebKee)
Highest (`)
Gelece (.)
vetvelece (.)
Lowest (`)
Volume Traded
(Nos.)
meewoeW keer cee$ee

(mebKee)
Volume
Traded (Nos.)
Dehewue 2013
APR 2013
722.00
631.05
15273603
717.00
632.10
2336681
ceF& 2013
MAY 2013
759.90
643.10
24586924
759.50
646.00
2785319
petve 2013
JUN 2013
681.50
539.80
21918052
681.40
540.00
3257625
pegueeF& 2013
JUL 2013
623.45
529.60
30860955
620.30
529.75
3618781
Deiemle 2013
AUG 2013
573.65
429.95
35204973
571.00
429.25
4743097
efmelebyej 2013
SEP 2013
583.00
449.55
43507126
582.80
450.60
4746514
Deetyej 2013
OCT 2013
650.00
487.50
34596902
648.60
488.00
4395770
veJebyej 2013
NOV 2013
696.00
566.40
47623753
696.00
567.10
6375374
efomebyej 2013
DEC 2013
716.95
632.45
32854558
715.90
633.25
3994065
peveJejer 2014
JAN 2014
681.60
525.00
31869573
681.60
526.60
4023383
HejJejer 2014
FEB 2014
577.00
511.15
32359728
576.50
509.00
3748937
ceee& 2014
MAR 2014
755.00
543.00
47923716
754.80
542.30
5474221
19.Ke Dehewue 2013 mes ceee& 2014 leke Fb[skeme [ee (ceeefmeke meceeheve
cetue)
leejerKe
Date
Sme Sb[ heer

meerSveSkeme
efveHeer
19.b Index Data from April 2013 to March 2014 (Monthly

Closing Values)
yeQke efveHeer
yee@ye SveSmeF&
yeerSmeF& mesvmeskeme
yeQkeskeme
yee@ye yeerSmeF&
BANK NIFTY
BOB NSE
BSE
SENSEX
BANKEX
BOB BSE
S&P CNX
NIFTY
30-Apr-13
5930.20
12561.55
698.95
19504.18
14363.74
698.70
31-ceF&-13
31-May-13
5985.95
12475.65
651.65
19760.30
14261.24
653.95
28-petve-13
28-Jun-13
5842.20
11617.25
574.15
19395.81
13257.76
574.50
31-pegueeF&-13
31-Jul-13
5742.00
10015.75
561.60
19345.70
11440.96
560.55
30-Deiemle-13
30-Aug-13
5471.80
9049.20
460.80
18619.72
10304.35
462.90
30-efmelebyej-13
30-Sep-13
5735.30
9617.80
493.55
19379.77
10964.19
493.60
31-Deetyej-13
31-Oct-13
6299.15
11473.15
642.90
21164.52
13086.92
643.20
29-veJebyej-13
29-Nov-13
6176.10
11153.95
644.60
20791.93
12730.30
644.60
31-efomebyej-13
31-Dec-13
6304.00
11385.25
645.55
21170.68
13001.94
645.75
31-peveJejer-14
31-Jan-14
6089.50
10237.75
548.40
20513.85
11712.31
548.95
28-HejJejer-14
28-Feb-14
6276.95
10764.70
551.15
21120.12
12284.27
550.65
31-ceee&-14
31-Mar-14
6704.20
12742.05
720.75
22386.27
14572.46
721.35
30-Dehewue-13
140

20. efJeeere Je<e& 2013-14 kes oewjeve efveege efveosMekeeW kee heefjee
20.1 eer YegJeveeb yeer. peesMeer
2013-14
20. PROFILE OF DIRECTORS APPOINTED DURING THE

FINANCIAL YEAR 2013 14
20.1 Shri Bhuwanchandra B. Joshi
veece
Name
helee
vet megJeeme meerSeSme efue.

Heuew veb. 7S,
68-SHe, vesheerevemeer jes[,
biee uesve,
cegbyeF& - 400 006
Address
New Suvas CHS Ltd.,
pevceefleefLe
03 efomebyej, 1956
Date of Birth
3rd December, 1956
Deeeg
57 Je<e&
Age
57 Years
eesielee
1. yeer. kee@ce.
2. meerSDeeF&DeeF&yeer
Qualifications
1. B.Com
efveosMeke kes he ceW

efveegefe kee mJehe
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)

DeefOeefveece 1970 keer Oeeje 9(3) (S) kes lenle
kesv mejkeej eje 05.08.2013 mes hetCe&keeefueke
efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes
he ceW efveege. Jes 31.12.2016 leke DeLee&le Deheveer
DeefOeJee|<elee keer leejerKe DeLeJee Deeieeceer DeeosMeeW,
FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies.
Nature of
appointment as
Director

(designated as Executive Director)
w.e.f. 05.08.2013 by the Central
Government u/s 9 (3) (a) of The Banking
Companies (Acquisition and Transfer of
Undertakings) Act, 1970, to hold office
up to 31.12.2016 i.e. the date of his
superannuation or until further orders,
DevegYeJe
GvnesveW Je<e& 1977 ceW yeQke Dee@He Fbef[ee ceW

mesJee enCe keer. GvnW yeQefkebie Deewj Heeeveebme
ceW leerve oMekeeW mes DeefOeke kee yeQeEkeie DevegYeJe
eehle nw. yeQke Dee@He Fbef[ee ceW Deheves 36 Je<eeX
mes DeefOeke kes kewefjej kes oewjeve GvneWves keF&
cenlJehetCe& heoeW hej keee& efkeee efpeveceW Debeue
ecegKe Denceoeyeeo Deewj esef[, SmeSceF& Je
Devlejjeêre heefjeeueve ceW Gvekee Jeeheke
DevegYeJe Meeefceue nw.
Experience
Having joined Bank of India in the year

1977, he brings with him more than three
decades of experience in Banking and
Finance. During his career spanning over
36 years in Bank of India, he has held
several distinguished positions including
that as Zonal Head, Ahmedabad and
has vast exposure in Credit, SME and
International operations.
Deve kebheefveeeW ceW

efveosMeke DeLeJee
meefceefle heoeW hej keee&
(i)
Directorship
or Committee
Positions held in
other Companies
1. Bank of Baroda (Ghana) Ltd.
yeQke Dee@]He ye[ewoe ceW

Oeeefjle MesejeW keer
mebKee
Metve
No. of Shares of
Bank of Baroda
held
NIL
(ii)
yeQke Dee@H] e ye[ewoe (Ieevee) efue.

yeQke Dee@H] e ye[ewoe (yeeslmeJeevee) efue.
Flat No.7A,
68-F, Nepeansea Road,
Rungta Lane,
MUMBAI 400 006
2. CAIIB
2. Bank of Baroda (Botswana) Ltd.
141
2013-14
20.2 Dr. K. P. Krishnan
20.2 [e@. kes. heer. ke=<Ceve

veece
Name
Dr. K. P. Krishnan
helee
meer-II/145, melee ceeie&, eeCekeehegjer,

veF& efouueer - 1100 021
Address
C-II/145, Satya Marg,Chanakyapuri,

New Delhi 110021
pevceefleefLe
29 efomebyej, 1959
Date of Birth
29th December, 1959
Deeeg
54 Je<e&
Age
54 Years
eesielee
1. DeLe&Meem$e Deewj Heeeveebme ceW [ekejs

(heerSe[er)
2. efyepevesme S[efceefvem^sMeve ceW SceyeerS
Qualifications
1. Doctorate in Economics & Finance

(Ph.D)
2. MBA in Business Administration
efveosMeke kes he ceW

efveegefe kee mJehe
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb

DeblejCe) DeefOeefveece 1970/1980 keer Oeeje
9(3) (yeer) kes lenle kesv mejkeej eje eer
Deeueeske efveiece kes mLeeve hej 19.02.2014 mes
Deeieeceer DeeosMeeW leke efveosMeke kes he ceW
efveege.
Nature of
appointment as
Director
Nominated as a Director w.e.f. 19.02.2014

by the Central Government u/s 9 (3) (b)
of The Banking Companies (Acquisition
and Transfer of Undertakings) Act,
1970/1980, in place of Shri Alok Nigam
DevegYeJe
[e@. kes. heer. ke=<Ceve kevee&ke kew[j kes 1983

yewe kes DeeF&SSme DeefOekeejer nQ. Jele&ceeve ceW
Jes efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie,
veF& efouueer ceW [erpeer SJeb Deefleefje meefeJe,
DeeefLe&ke keee& efJeYeeie ceW keee&jle nQ.
Jes DeLe&Meem$e ceW mveelekeesej Deewj efyepevesme
S[efceefvem^sMeve ceW SceyeerS nQ. Jes DeLe&Meem$e
Deewj Heeeveebme ceW [ekejs Yeer nQ. GvnW
jepe Deewj kesv mejkeej kes efmeefJeue efJeYeeieeW
ceW keee& kejves kee Jeeheke DevegYeJe nw.
GvneWves efJeefYeVe cenlJehetCe& heoeW hej keee&
efkeee nw pewmes- Jeu[& yeQke kes keee&heeueke
efveosMeke kes meueenkeej, efJee efJeYeeie
kevee&ke jepe ceW meefeJe, eyebOe efveosMeke,
kevee&ke Deye&ve Fvee. [sJeuesheceW Heeeveebme,
mebege meefeJe, kewefheue ceekex eYeeie,
DeeefLe&ke keee& efJeYeeie, eOeeve ceb$eer keer
DeeefLe&ke hejeceMe&oeeer heefj<eo kes meefeJe.
Experience
Dr. K.P. Krishnan, is an IAS officer of

1983 batch of Karnataka cadre. He is
presently the DG & Additional Secretary,
Department of Economic Affairs in the
Ministry of Finance, Department of
Financial Services, New Delhi.
He is a post graduate in Economics,
and MBA in Business Administration.
He also holds a Doctorate in Economics
& Finance. He brings with him rich
experience of having worked in various
departments of State and Central
Government.
He has held various important portfolios
like Advisor to Executive Director, World
Bank, Secretary-Department of Finance,
Govt. of Karnataka, Managing Director,
Karnataka Urban Infra Dev. Finance,
Joint Secretary, Capital Market Division,
Dept. of Economic Affairs, SecretaryEconomic Advisory Council to PM.
Deve kebheefveeeW ceW

efveosMeke DeLeJee Deve
meefceefle heoeW hej keee&
1.
Directorship
or Committee
Positions held in
other Companies
1. National Skill Development

Corporation
yeQke Dee@H] e ye[ewoe ceW Oeeefjle

MesejeW keer mebKee
Metve
No. of Shares of
Bank of Baroda
held
NIL
142
vesMeveue efmkeue [sJeuesheceW kee@heexjsMeve
2013-14
Iees<eCee-He$e
DECLARATION
me@ke SkemeeWpeeW kes meeLe meteerkejCe kejej kes KeC[ 49 (1) ([er) kes DevegmejCe ceW
DeOe#e SJeb heyevOe efveosMeke keer Iees<eCee.
Declaration of the Chairman and Managing Director pursuant

to clause 49 (I) (D) of Listing Agreement with Stock Exchanges.
en Ieesef<ele efkeee peelee nw efke yeQke kes yees[& kes meYeer meomeeW leLee Jeefj heyevOeve
keee&heeuekeeW ves me@ke SkemeeWpeeW kes meeLe efkeS ieS meteerkejCe kejej kes KeC[ 49
(1) ([er) kes Devegmeej 31 ceee& 2014 kees meceehle efJeeere Je<e& keer Deeeej mebefnlee kes
Devegheeueve kes yeejs ceW heefleyelee oesnjeF& nw. en Deeeej mebefnlee yeQke keer yesyemeeF
hej GheueyOe kejeF& ieF& nw.
It is to declare that all the Board Members and Senior

Management Personnel of the Bank have affirmed their
compliance of the Code of Conduct for the Financial Year Ended
on 31st March, 2014 in accordance with clause 49 (I) (D) of the
Listing Agreement entered into with the Stock Exchanges. The
said Code of conduct has been posted on the Banks website.
ke=les yeQke Dee@He ye[ewoe
For Bank of Baroda
Sme.Sme.cetbo[e
S. S. Mundra

mLeeve : cegbyeF&
efoveebke : 13 ceF&, 2014
Place : Mumbai
Date : 13th May, 2014
143
2013-14
keeheexjs ieJeveXme keer MeleeX kes Devegheeueve mes mebyebefOele uesKee hejer#ekeeW kee eceeCe-he$e-2013-14
Auditors Certificate on Compliance of Conditions of Corporate Governance-2013-14
yeQke Dee@]He ye[ewoe kes meomeeW kes efueS
To: The Members of Bank of Baroda,
nceves yeQke Dee@He ye[ewoe kes, me@ke SkemeeWpeeW kes meeLe meteerye kejves mecyevOeer
kejej kes KeC[ 49 ceW efJeefvee|o keeheexjs ieJeveXme MeleeX kes mevoYe& ceW yeQke eje
31 ceee& 2014 kees meceehle Je<e& kes efueS keeheexjs ieJeveXme mecyevOeer Devegheeueve
eqmLeefle keer peebe keer nw.
We have examined the compliance of conditions of Corporate

Governance by Bank of Baroda, for the year ended 31st March
2014, as stipulated in Clause-49 of the Listing Agreement of
the Bank with Stock Exchanges.
keeheexjs ieJeveXme mecyevOeer MeleeX kee Devegheeueve kejvee heyevOeve kee oeefelJe nw.
nceejer peebe, keeheexjs ieJeveXme mecyevOeer yeeOeleeDeeW kee Devegheeueve megefveeqele
kejves nsleg yeQke eje Deheveeeer ieF& heefeeeDeeW Deewj keeee&vJeeve leke meerefcele
Leer. en ve lees uesKee hejer#ee nw Deewj ve ner yeQke keer efJeeere efJeJejefCeeeW kes yeejs
ceW nceeje DeefYecele nw.
The compliance of conditions of Corporate Governance is the

responsibility of management. Our examination was limited to
procedures and implementation thereof, adopted by the Bank
for ensuring the compliance of the conditions of the Corporate
Governance. It is neither an audit nor an expression of opinion
on the financial statements of the Bank.
nce Deheveer jee leLee meJeexece peevekeejer leLee nceW efoS ieS mheerkejCe kes
DeeOeej hej heceeefCele kejles nQ efke yeQke ves Ghejese meteerye kejej ceW efJeefvee|o
keeheexjs ieJeveXme mecyevOeer yeeOeleeDeeW kee Devegheeueve efkeee nw.
In our opinion and to the best of our information and according

to the explanations given to us, we certify that the Bank has
complied with the conditions of Corporate Governance as
stipulated in the above mentioned Listing Agreement.
nceeje en Yeer DeefYekeLeve nw efke Ge Devegheeueve kee DeefYeheee yeQke keer YeefJe<e
keer me#ecelee kes heefle en keesF& Deeeemeve veneR nw Deewj ve ner en yeQke kes
keee&keueeheeW kes mebeeueve ceW heyevOeve keer kegMeuelee SJeb heYeeJehetCe&lee kes yeejs ceW
Deeeemeve nw
We state that such compliance is neither an assurance as to

the future viability of the Bank nor the efficiency or effectiveness
with which the management has conducted the affairs of the
Bank.

meveoer uesKeekeej
SHeDeejSve: 001135 Sve
(Sce.kes.pegvespee)
Yeeieeroej
Sce. veb.: 013117

meveoer uesKeekeej
SHeDeejSve: 002460 Sme
(peer.megyyeejeJe)
Yeeieeroej
Sce. veb.: 019579
ke=les js SC[ js
meveoer uesKeekeej
SHeDeejSve: 301072 F&
(DeefceleeJe eewOejer)
Yeeieeroej
Sce. veb.: 056060

FRN: 001135N
(M.K.Juneja)
Partner
M. No. 013117

FRN: 002460S
(G. Subbarao)
Partner
M No.019579
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M. No. 056060

meveoer uesKeekeej
SHeDeejSve: 110100 [yuet
(eoerHe pes Meser)
Yeeieeroej
Sce. veb.: 046940

meveoer uesKeekeej
SHeDeejSve: 002228meer
(Deej.kes.DeiejJeeue)
Yeeieeroej
Sce. veb.: 073063

meveoer uesKeekeej
(efejeie oes<eer)
Yeeieeroej
Sce. veb.: 119079
For N. B. S. & Co.

FRN: 110100W
(Pradeep J. Shetty)
Partner
M No.046940
For KASG & Co.

FRN: 002228C
(R.K.Agarwal)
Partner
M No.073063
For Khandelwal Jain & Co

FRN : 105049W
(Chirag Doshi)
Partner
M No.119079
mLeeve / Place: cegbyeF& / Mumbai

efoveebke / Date: 13th May, 2014
144
2013-14
JeJemeee oeefelJe efjhees& 2013-14 (efueemie kejej kes KeC[ 55 kes lenle)
BUSINESS RESPONSIBILITY REPORT 2013-14 (Under Clause 55 of Listing Agreement)

KeC[ - ke : yeQke kes yeejs ceW meeceeve peevekeejer
1
Section A: General Information about the Bank
ueeiet veneR Not Applicable
kecheveer keer keeheexjs heneeve mebKee (meerDeeF&Sve)

Corporate Identity Number (CIN) of the Company
kecheveer kee veece Name of the Company
yeQke Dee@]He ye[ewoe Bank of Baroda
hebpeerke=le helee Registered address
"ye[ewoe
neTme", heer.yeer.veb. 506, ceeb[Jeer, ye[ewoe 390006
Baroda House, P.B. No. 506, Mandvi, Baroda 390 006

4
yesyemeeF Website
F&-cesue DeeF&[er E-mail id
ed.srinivas@bankofbaroda.com
heefleJesefole efJeeere Je<e& Financial Year reported
2013-14
#es$e efpeveceW kecheveer Meeefceue nw (ket Devegmeej Deeweesefieke ieefleefJeefOeeeB)
"yeQeEkeie
SJeb efJee"
Sector(s) that the Company is engaged in (industrial activity Banking & Finance
code-wise)
8
leerve cegKe GlheeoeW / mesJeeDeeW keer meteer pees kecheveer efvee|cele kejleer nw / GheueyOe
kejeleer nw (legueve he$e kes Devegmeej)
List three key products/services that the Company
manufactures/provides (as in balance sheet)
1. nesuemesue yeQeEkeie
1. Wholesale Banking
2. efjsue yeQeEkeie
2. Retail Banking
3. Debleje&êre yeQeEkeie
3. International Banking
kegue mLeeveeW keer mebKee peneB JeeJemeeefeke ieefleefJeefOeeeW kee GejoeefelJe kecheveer
kes eje efueee peelee nw
Total number of locations where business activity is
undertaken by the Company
i)
Debleje&êre mLeeveeW keer mebKee @

(5 ye[s mLeeveeW kee efJeJejCe GheueyOe kejeSb)
Number of International Locations@
102
(etSF&, etkes, etSmeS, yetmesume (yesequpeece), nebiekeebie)

[UAE, UK, USA, Brussels (Belgium), Hongkong]
(Provide details of major 5)

ii)
jeêre mLeeveeW keer mebKee
4,874
Number of National Locations

10
yeepeej, peneB kecheveer mesJeeSb heoeve kejleer nwmLeeveere/jepe/jeêre/Debleje&êre
jeêre leLee Debleje&êre

National & International
Markets served by the Company-Local/State/National/

International
@31 ceee&, 2014 kees yeQke Dee@He ye[ewoe 24 osMeeW ceW, 60 MeeKeeDeeW, 41 Deveg<ebefieeeW
leLee Ske heefleefveefOe keeee&uee meefnle kegue 102 mLeeveeW hej heefjeeueve kej jne
nw.
@As of 31st March 2014, Bank of Baroda has operations in

24 countries with the number of branches at 60, the number
of branches of its subsidiaries at 41 and one representative
office, taking the total tally to 102.
145
2013-14
KeC[ Ke : yeQke kee efJeeere efJeJejCe

1.
Section B: Financial Details of the Bank
heoe hetbpeer (Yeejleere `. ceW)
` 430.68 kejes[ crore
Paid up Capital (INR)

2.
kegue ve& DeesJej (Yeejleere heeeW ceW)
` 9,65,900.20 kejes[ crore
Total Turnover (INR)

3.
kej kes heeele kegue ueeYe (Yeejleere heeeW ceW)
`4541.08 kejes[ crore
Total profit after taxes (INR)

4.
kej kes heeele heelf eMele kes he ceW keeheexjs meeceeefpeke GejoeefelJe (meerSmeDeej) hej kegue Jee (%)
0.33%
Total Spending on Corporate Social Responsibility (CSR) as

percentage of profit after tax (%)
5.
ieefleefJeefOeeeW keer meteer efpeveceW Ghejese 4 ceW Jee efkeee ieee
List of activities in which expenditure in 4 above has been

incurred:-
e.meb. ieefleefJeefOe
Sr.
No.
1.
2.
3.
4.
Activity
No. of Donations
Devegoe oeve (mebKee)
jeefMe (`. ueeKe ceW)

Amount (Rs lakh)
21
88.08
64.05
efMe#ee Education
mJeemLe Health
ceefnuee keueeCe Women Welfare
meeceeefpeke keueeCe ieefleefJeefOeeeb Social Welfare Activities
kegue TOTAL
20.17
26
1,357.75
59
1,530.05
mJeerke=le oeve kee KeC[Jeej JeieeakejCe:
Segment-wise classification of donations sanctioned :
1. efMe#ee
1. Education
e.meb.
oeveieener kee veece
GsMe
Name of Donee
FefC[eve ^m Hee@j jue nwefjspe SC[ [skeuehecesb, meer-56,

efvepeecegerve hetke&, veF& efouueer
ieebke nefjnjhegj, efpeuee Deepeceie{, Gllej heosMe cesb Ske heeF&cejer

mketue mLeeefhele kejves kes efueS
10.00
heYeele leeje petefveej neF& mketue
mketue cesb he{ves keeues iejeryeer jsKee mes veeres kes heefjkeejesb kes e$eesb kees 100
mketue yewie leLee 1,200 mketue kee@heer GheueyOe kejkeeves kes efueS, mketue cesb
4 kebhetj leLee ne@mue cesb 5 meereuf ebie Hewve GheueyOe kejkeeves kes efueS
1.82
600 efJeeeefLe&eeW kees efkeleeyesb leLee mketue yeme GheueyOe kejkeeves kes
efueS
3.51
jepekeere DeeoMe& Ge heeLeefceke efJeeeuee, Devekejhegje Kes[e heeveer kee wbke, heeveer kes wbke keer veerbke [euevee, meerefuebie Hewve, cespe
yuee@ke, eWke, jepemLeeve
leLee yewbe GheueyOe kejeves kes efueS
0.74
Indian Trust for Rural Heritage and

Development, C-56, Nizamuddin East, New
Delhi
2
Prabhat Tara Junior High School
Purpose
Sr.
No.
Amount
(Rs lakh)
For establishment of a Primary School at

Hariharpur Village, Azamgarh Distt. UP.
For providing 100 school bags and 1,200 school

copies to students of Below Poverty Line families
studying in the School, 4 computers to the School
and 5 ceiling fans to the Hostel.
3
mebpee ieebOeer cesceesefjeue
Sanjay Gandhi Memorial
For providing school bus and books to 600

students
4
Rajkiya Adarsh Uchha Prathmik Vidhyalaya,

Anwarpura Kheda Block, Tonk, Rajasthan
146
For providing water tank, foundation for water tank,

ceiling fans, tables and benches
e.meb.
Sr.
No.
5
Name of Donee
ceeveefmeke efkekeueebie cetke Deewj yeefOej yeeesb kes efueS 2 ekeCe eb$e
ceMeerve GheueyOe kejeves kes efueS leLee mwyeueeFpej meefnle keej ketuej
Mandh Buddhi Evam Mook Badhir Vidhyalaya Fleeefo GheueyOe kejeves kes efueS
1.20
and Sri Ram Awadh Andh Gyan Vidhylaya,

Ayodhya
For providing 2 hearing aid machines for mentally

challenged deaf and dumb children, water cooler
with stabilizer etc.
cetke-yeefOej meesmeeeer kes efueS mketue
meesuej keej nerj efmemce ueiekeeves kes efueS
3.75
meguleevehegj leLee keevehegj efpeuee kes efkeefYevve heeF&cejer mketue
kegb[e (meguleevehegj) leLee keevehegj #es$e kes heeF&cejer mketueesb kees meerefuebie
Hewve GheueyOe kejeves kes efueS
1.47
yueeFb[ hetheume SmeesefmeSMeve (FefC[ee) (DevOepeve ceC[ue)
SmeesefmeSMeve cesb meesuej keej nerj efmemce ueiekeeves kes efueS
4.97
oskeerhegje heeF&cejer mketue
mketue kes yeeesb kees mke heeveer GheueyOe kejeves kes efueS DeejDees
hueeb ueieeves kes efueS
0.50
Gvekes kemletjyee kebhetj mesbj keer ye[er cejccele kes efueS leLee mesbj
kes efueS veS kebhetj efmemce Kejeroves kes efueS
28.00
Devegmetefele peeefle kes efkeeeefLe&eesb kes efueS hesjCee kevee

e$eekeeme
Devegmetefele peeefle kes efkeeeefLe&eesb kes efueS 250 mketue yewie keer Kejero
kes efueS
1.00
cetke Okeefve ^m, ke[esoje
yeefOej efkeeeefLe&eesb kes efueS eerceleer keceueeyesve meer. hesue yeefOej

heeF&cejer mketue cesb 10 heme&veue kebhetj
4.00
mebpeerkeveer eghe
pevepeeleere efkeeeefLe&eeW kes efueS hegmlekeeuee neue kee efvece&eCe
1.00
jepekeere ceeOeefceke mketue, yeceve, ye[ewoe
meerefuebie Hewve leLee heerves kes heeveer kes efueS Ske keej wbke GheueyOe
kejeves kes efueS
0.14
ceefnuee Meeweeuee kee efvece&eCe
0.63
Blinds Peoples Association (India) (Andhajan

Mandal)
10
Purchases of tanks, chairs, water filter etc. for

Vidya Kendra
cebo yegef Skeb cetke yeefOej efkeeeuee Skeb eer jece DekeOe DebOe
%eeve efkeeeuee, DeeesOee
Various primary schools of Sultanpur and

Kanpur districts
9
Amount
(Rs lakh)
4.08
School for deaf and mutes society

8
efkeee kesv kes efueS wbke, kegmeer&eeb, keej efHeuj Fleeefo keer Kejero
kes efueS
keso efke%eeve cene efkeeeheer", yesbieuetj, Gllej heosMe cesb eer yeeue
efkeeekesv nsleg
Ved Vigyan Maha Vidhyapith, Bangalore for
Sri Bal Vidhyakendra in UP
GsMe
Purpose
2013-14
Devipura Primary School
Installation of solar water heater system
Providing ceiling fans to the primary schools of

Kunda (Sultanpur) and Kanpur Region
For installation of solar water heating system in the

Association
For installation of RO plant to provide clean water

to school children
11
meeyejceleer nefjpeve Deeece ^m
Sabarmati Harijan Ashram Trust
For major renovation of their Kasturba Computer

Centre and purchase of a new Computer System
for the centre
12
Prerna Girls Hostels for Scheduled Caste

Students
13
Mook Dhawni Trust, Vadodara
For purchase of 250 school bags for Scheduled

Caste Students
10 personal computers at Srimati Kamlaben C.

Patel Badhir Primary School for hearing-impaired
students
14
Sanjivani Group
15
Govt. Secondary School, Baman, Baroda
Construction of library hall for tribal students
For providing ceiling fans and one water tank for

drinking water
16
efkekeskeevevo efMeMeg ceefvoj, yeo&keeve
Vivekanand Shishu Mandir, Burdwan
Construction of Ladies toilet
147
e.meb.
Sr.
No.
17
2013-14
Name of Donee
Amount
(Rs lakh)
Ske ceuerceeref[ee heespeskej leLee 8 meerefuebie Hewve
0.90
SmeDeesSme efeu[^ve efkeuespe-iegkeener
10 [smke yewbe leLee 1 efhebj (efheb-mkewve-Heeseskee@heer)
0.42
cegkegue ceeOeke ^m
Heveer&ej, heespeskej meefnle Suemeer[er, heeesieMeeuee GhekejCe GheueyOe

kejeves kes efueS
5.00
ves$enerve ueesieesb kes efueS efMe#eCe meeceieer leLee hee"de hegmlekeesb keer
heeF& kes efueS yewue hesme ceMeerve
9.95
^m kes keehe&me Heb[ cesb
5.00
SOS Children Village-Guwahati

19
Purpose
SmeDeesSme efeu[^ve efkeuespe-keesuekeelee
SOS Children Village-Kolkata

18
GsMe
Mukul Madhav Trust
One Multimedia Projector and 8 ceiling fans

For 10 desk benches and 1 printer (print-scancopier)
Providing furniture, LCD with projector, laboratory

apparatus
20
yueeFb[ hetheume SmeesefmeSMeve (FefC[ee) (DevOepeve ceC[ue)
Blind Peoples Association (India) (Andhajan

Mandal)
21
Yeejle jl>e [e@. yeeyee meensye Decyes[kej cesceesefjeue ^m,

ke[esoje
Braille Press Machine for printing of text book and

educational material for blind persons
Corpus Fund of the Trust
Bharat Ratna Dr. Baba Saheb Ambedkar

Memorial Trust, Vaodadara
88.08
kegue Total
2. Health
2. mJeemLe
e.meb.
Sr.
Name of Donee
No.
1 yeer.pes. iekeve&cesb ces[erkeue kee@uespe SC[ mewmegve pevejue
2
3
GsMe
Purpose
ne@efmheue, hegCes
ne@eqmheue kes yeeueefeefkelmee efkeYeeie cesb ceevekeere efceuke yewbke mLeeefhele

kejves kes efueS
B.J. Government Medical College and

Sassoon General Hospital, Pune
For setting up Human Milk Bank in Pediatrics dept.

of the Hospital
ieg peie yeneogj ne@efmheue, osnjeotve
Scyeguesbme iee[er kes efueS
Guru Jag Bahadur Hospital, Dehradun
For Ambulance Van
Yeejle efkekeeme heefj<eo, veejeevehegj, efcepe&ehegj
mkeemLe efMeefkej leLee ke=ef$ece Debieesb kes efkelejCe kes efueS
Bharat Vikas Parishad, Narainpur, Mirzapur
Distribution of Artificial Limbs and Health Camp
Yeiekeeve cenekeerj
iejerye pelecebo ueesieesb kees ke=ef$ece Debie Fleeefo kes efveMeguke efkelejCe
kes efueS
Bhagwan Mahavir

Amount
(Rs lakh)
15.06
3.90
3.00
30.00
For providing Artificial Limbs etc. free of cost to

needy poor people
5
peer.peer. ne@efmheue, heer.Sve.ceeie&, peeceveiej
cew[erkeue GhekejCeesb keer Kejero kejves kes efueS oeve
G.G.Hospital, P.N.Marg, Jamnagar
Donation for purchase of medical equipments
pekeenj ueeue Fbmerdet Dee@He heesmiespegS cew[erkeue

SpegkesMeve SC[ efjmee&, heg[gesjer
yewjer eje mebeeefuele keej keer Kejero kes efueS
2.15
4.94
For purchase of Battery Operated Car
Jawahar Lal Institute of Postgraduate Medical

Education & Research, Puducherry
7
cegKe efpeuee mkeemLe DeefOekeejer, oeneso
Scyeguewbme keer Kejero kes efueS
Chief Distt. Health Officer, Dahod
For purchase of Ambulance
kegue Total
148
5.00
64.05

3. ceefnuee keueeCe
e.meb.
3.
Sr.
Name of Donee
No.
1
cesveeyee esjersyeue ^m, Denceoeyeeo
Women Welfare
GsMe
Purpose
jeser yeveeves keer ceMeerve keer Kejero kes efueS
Menaba Charitable Trust, Ahmedabad
For purchase of roti making machine
peveevee ne@efmheue iekeve&cesb ne@efmheue, peehegj
27 efyemlejesb keeues Deheveees ieS kee[&, Meeweeueeesb keer meeHe-meHeeF&

leLee efyemlejesb keer OegueeF& Deewj yeoueves kes Kee&s kes efueS
Janana Hospital Govt. Hospital, Jaipur
2013-14

Amount
(Rs lakh)
4.50
1.44
Towards expenses for maintaining cleanliness of

the adopted ward having 27 beds, toilets, washing
and replacement of beds
3
keceuee vesn kevee Ge ceeOeefceke mketue, Yeesheeue

Kamla Nehru Girls Higher Secondary School,
Bhopal
heespeskej, meerve, keg[ve tue, mebieerle keeode GheueyOe kejeves kes efueS
Kee&
Expenditure for providing projectors, screens,
wooden tools, musical instruments
hegefueme ceneefvejer#eke, G[ermee
DeeF&meerSueDeeF&kes ceefnuee nwuheueeFve mLeeefhele kejves kes efueS
Inspector General of Police, Odisha
Installation of ICLIK womens helpline
ye[ewoe Meefe
meceepe Gve>eve kes heeemeesb nsleg Gvnsb meneesie heoeve kejvee
Baroda Shakti
To facilitate them to undertake initiatives for

upliftment of the society
4. meceepe keueeCe ieefleefJeefOeeeB

Sr.
Name of Donee
No.
1
ye[ewoe efpeuee nefjpeve meskeke mebIe, kejsueeryeeie, ye[ewoe
Baroda District Harijan Sevak Sangh,
Karelibaug, Baroda
2
9.73
3.00
20.17
kegue Total
e.meb.
1.50
4.
Social Welfare Activities
GsMe
Purpose

Amount
(Rs lakh)
Gvekes kesueevo yebkej e$eeuee heefjmej kes yengGsMeere neue kes efueS
megefkeOeeSb GheueyOe kejkeevee
1.00
kevejeF& eje efkekeefmele ceneje<^ jepe kes efkeefYev>e efpeueesb kes ieekeesb
cesb mke heerves kee heeveer GheueyOe kejkeevee
10.00
ke= Deeece kes Yeespeveeuee kes efueS 76 kegefme&eeb leLee 19 [eeefveie

cespe GheueyOe kejeves kes efueS
2.92
yeeue ece efkeeeuee leLee jepekeere heMeele keleer&e osKe jsKe

mebmLeeve
hebKes leLee erkeer mes Kejeroves kes efueS
1.03
mesnefjee pekeenj ieece hebeeele
ieebke cesb mee@uej mêr ueeF keer 5 etefve ueiekeeves kes efueS
1.05
cegKe ceb$eer jenle kees<e, GllejeKeb[
GllejeKeb[ cesb Deeeveke DeeF& yee{ mes heeref[le ueesieesb kes hegveke&eme kes
efueS
kevejeF&
VANRAI
Providing amenities for multipurpose hall at their

Velchand Banker Chhatralya Premises
Providing safe drinking water to villages of various

district of Maharashtra state developed by Vanrai
3
meskee Yeejleer DeeCebo Oeece, Yeesheeue
Sewa Bharti Anand Dham, Bhopal
To provide 19 dining tables and 76 chairs for the

dining hall of old age home
4
For purchase of fans, TV sets
Baal Shram Vidyalaya and Rajkiya Pashchtya

Wartiya Dekh Rekh Sansthan
5
Sehria Jawahar Village Panchyat

6
Chief Ministers Relief Fund, Uttrakhand
For installation of 5 units of solar Street Light in

the village
200.00
For rehabilitation of victims of flash floods in

Uttrakhand
149
e.meb.
Sr.
No.
7
2013-14
Name of Donee
efkekeueebie ne@efmheue, henjer ieee jes[, henjer, hevee
Viklang Hospital, Pahari Gaya Road, Pahari,

Patna
13
Depecesj #es$e kes mejkeej eje mebeeefuele mketue
hebKes, kebhetj leLee heeveer kee wbke Fleeefo keer Kejero kes efueS
0.92
Yejlehegj #es$e kes ieekeesb cesb mejkeej eje mebeeefuele mketue leLee
Deej.yeer.Sce iekes&vecesb ne@efmheue
hebKes, heeveer kee wbke leLee keej ketuej keer Kejero kes efueS
2.70
peehegj #es$e kes ieekeesb cesb mejkeej eje mebeeefuele mketue
le kes hebKeesb keer Kejero kes efueS
1.03
For purchase of ceiling fans
le kes hebKeesb keer Kejero kes efueS
1.17
keese #es$e kes ieekeesb cesb mejkeej eje mebeeefuele mketue
hebKes, heeveer kee wbke leLee kebhetj keer Kejero kes efueS
2.16
peesOehegj #es$e kes ieekeesb cesb mejkeej eje mebeeefuele mketue
hebKes leLee heeveer kes wbke keer Kejero kes efueS
1.38
êr uekeme& SpegkesMeve SC[ efjmee& HeeGC[sMeve
ke[esoje, Denceoeyeeo leLee Kes[e efpeueesb cesb ueieeS peeves kes efueS
1000 êr iee[& GheueyOe kejeves kes efueS oeve
7.70
18 mketueesb cesb 21 hebKes, 5 keej ketuej GheueyOe kejeves kes efueS leLee
ke= Deeece cesb 100 yew[Meer Skeb 100 kee@ve Meer GheueyOe kejeves
kes efueS oeve
1.75
Yee efpeues kes 9 ieekeesb cesb mejkeej eje mebeeefuele efkeefYev>e

mketue
9 mketueesb cesb keej ketuej GheueyOe kejeves kes efueS
2.03
veiej heeLeefceke efMe#eCe meefceefle, ye[ewoe
meefceefle kees cenejepee ieesefkebojeke ceOekeleer& Meeuee kes ueieYeie 2000

efkeeeefLe&eesb kes efueS keoer& Kejeroves Skeb yeebves kes efueS
2.00
GllejeKeb[ cesb DeeF& Deekeefmceke yee{ mes heYeeefkele heefjkeejesb kees 250
mee@uej ueeuesveesb kee efkelejCe
3.25
metjle efpeues kes ieekeesb cesb mejkeej eje mebeeefuele efkeefYevve

mketue leLee Deefcyekee efvekesleve ke= Deeece, kesmeg, metjle
Various Govt. run schools at villages of Surat

distt and Ambica Niketan Old Age Home,
Vesu, Surat
17
For purchase of fans, water tanks and water

coolers
For purchase of ceiling fans
Tree Lovers Educational & Research

Foundation
16
For purchase of fans, computer and water tanks

etc
Govt. run schools at Udaipur Region
Goehegj #es$e cesb mejkeej eje mebeeefuele mketue
Govt. run schools at villages of Jodhpur

Region
15
Donation to buy and distribute tricycle for 10

economically poor and physically challenged
persons
1.00
Govt. run schools at villages of Kota Region

14
0.65
For purchase of 400 school bags
Govt. run schools at villages of Jaipur Region

12
DeeefLe&ke he mes iejerye 10 Meejerefjke efkekeueebie ueesieesb kes efueS

êF&meefkeue Kejeroves leLee efkeleefjle kejves kes efueS oeve
Amount
(Rs lakh)
Govt. run School at Amba Kalan, Sheohar,

Bihar
Govt. run schools of Villages of Bharatpur

Region and R.B.M. Govt. Hospital
11
Purpose
Decyee keueeb, Meskenj, efyenej cesb mejkeej eje mebeeefuele mketue 400 mketue yewie keer Kejero kes efueS
Govt. run schools of Ajmer Region

10
GsMe
For purchase of ceiling fans, water tanks and

computers sets
For purchase of ceiling fans and water tanks
To donate for providing 1,000 tree guards

proposed to be installed in Vadodara, Ahmedabad
and Khera dist.
Donations to provide 21 fans, 5 water coolers to

18 schools and to provide 100 bed sheets and 100
cotton sheets to old age home
To provide water coolers for 9 schools
Various Govt. run schools at 9 villages of

Bharuch distt.
18
Nagar Prathmik Shkshan Samiti, Baroda
To provide the Samiti for purchase and distribution

of uniforms to about 2,000 children of Maharaja
Govindrao Madyuavarti Shala
19
cemetjer osnje [skeuehecesb DeLeeefjer, osnjeotve
Mussoorie Dehra Development Authority,

Dehradun
150
Distribution of 250 solar lanterns to families

affected by flash floods of Uttrakhand
e.meb.
Sr.
Name of Donee
No.
20 vesyejng[ neGefmebie meefke&me SC[ efmeer ceerume Dee@ve keerume -
Purpose

Amount
(Rs lakh)
meecegoeefeke hegveefve&kesMe DeefOeefveece efkeefveeceve kes Devegheeueve cesb
19.57
oesveesb veteeke& efmeer
In compliance of Community Reinvestment Act

Regulations
hegefueme Deeege, ke[esoje Menj
meermeererkeer ueieeves leLee Menj kes hegefueme Leeveesb kees Deheies[ kejves kes
efueS
5.00
ieebke -men- Deekeeme DeeOeeefjle heerves kee heeveer GheueyOe kejkeeves kes
efueS
5.00
N.M.Sadguru Water and Development

Foundation
ye[ewoe mkejespeieej efkekeeme mebmLeeve ye[ewoe ieeceerCe
mkejespeieej heefMe#eCe mebmLeeve leLee efkelleere mee#ejlee hejeceMe& kesv
778.30
oerhe keueeve mebmLeeve, efoueer
30 Deetyej 2013 kees 'yeeefuekeeDeesb kes keueeCe kes efueS mebkewOeeefveke

DeefOekeej' hej mesceerveej Deeeesefpele kejves kes efueS
3.00
G[ermee jepe cesb DeeF& Deeveeke yee{ / Hesefueve eeJeeleer letHeeve eje
heYeeefkele ueesieesb keer meneelee kes efueS
300.00
Neighborhood Housing Services & City meals

on wheels both of New York city
21
GsMe
2013-14
Commissioner of Police, Vadodara City
Installation of CCTV & upgradation of police

stations of the city
22
23
Sve.Sce meoieg peue Skeb efkekeeme mebmLeeve
Baroda Swarojgar Vikas Sansthan

24
Deep Welfare Organisation, Delhi
To provide hamlet cum house based drinking

water
Baroda RSETIs and FLCCs
To organise seminar on Constitutional Rights for

Welfare of Girl Child, on 30th October 2013
25
G[ermee cegKe ceb$eer jenle kees<e
Odisha Chief Ministers Relief Fund
For helping people affected by the cyclone Phailin

/ flash floods in the state of Odisha
26
vesyejng[ neGefmebie meefke&me SC[ efmeer ceerume Dee@ve keerume oesveesb veteeke& efmeer
Neighborhood Housing Services & City meals

on wheels both of Newyork city
kegue / Total
meecegoeefeke hegveefve&kesMe DeefOeefveece efkeefveeceved kes Devegheeueve cesb
3.14
In compliance of Community Reinvestment Act

Regulations
1,357.75
151
2013-14
KeC[ ie: Deve efJeJejCe

1
Section C: Other Details
keee kecheveer keer keesF& Deveg<ebieer kecheveer / kecheefveeeB nQ?
neB yeQke keer leerve Yeejleere leLee 9 efJeosMeer Deveg<ebefieeeB nQ.
Does the Company have any Subsidiary Company/

Companies?
Yes (The Bank has three Domestic and nine Foreign

Subsidiaries)
keee Deveg<ebieer kecheveer / kecheefveeeB cetue kecheveer kes JeeJemeeefeke oeefelJe henueesb neB, oes Deveg<ebefieeeB yee@ye kee[&me efueefces[ leLee yee@ye kesefheue ceekex efueefces[
ceW menYeeefielee kejleer nQ? eefo neB, lees Ssmeer Deveg<ebieer kecheefveeeW keer mebKee
JeeJemeeefeke oeefelJe henueeW ceW menYeeefielee kejleer nQ.
Yes, two subsidiaries viz. BOBCARDS Limited and BOB
yeleeSb.
Capital Market Limited participate in the BR initiatives of
the Bank.
Do the Subsidiary Company/Companies participate in the

BR Initiatives of the parent company? If yes, then indicate
the number of such subsidiary company(s).
3
keee Deve keesF& mebmLee / mebmLeeSb (pewmes-Deehetel| ekelee&, efJelejke Deeefo) pees kecheveer kes JeeJemeeefeke
oeefelJe henueeW ceW menYeeefielee kejkes JeJemeee kejleer nw? eefo neB, lees Fme hekeej keer mebmLee /
mebmLeeDeeW kee heelf eMele oMee&S?b (30% mes kece, 30-60%, 60% mes DeefOeke)
Metve
Do any other entity/entities (e.g. suppliers, distributors

etc.) that the Company does business with participate in
the BR initiatives of the Company? If yes, then indicate the
percentage of such entity/entities? [Less than 30%, 3060%, More than 60%].
KeC[ Ie: JeeJemeeefeke oeefelJeeW mecyevOeer metevee

1. JeeJemeeefeke oeefelJe kes efueS Gejoeeer efveosMeke / efveosMekeeW kee efJeJejCe
ke. JeeJemeeefeke oeefelJeeW mebyebOeer veerefle / veerefleeeW kes keeee&vJeeve kes efueS Gejoeeer
efveosMeke / efveosMekeeW kes veece:
e.meb.
efJeJejCe
Sr. No. Particulars
Nil
Section D: BR Information
1.
Details of Director/Directors responsible for BR
a)
Details of the Director/Director responsible for

implementation of the BR policy/policies
yeewje
Details
1.
[erDeeF&Sve veb. DIN Number
02836590
2.
veece Name
efhe. eerefveJeeme P. Srinivas
3.
heoveece Designation
keee&heeueke efveosMeke Executive Director
Ke. JeeJemeeefeke oeefelJe hecegKe kee efJeJejCe :

Sr. No. Particulars
b)
Details of the BR head
Details
1.
[erDeeF&Sve veb. (eefo ueeiet nw) DIN Number (if applicable)
02689926
2.
veece Name
Jeer. Se. Les V. H. Thatte
3.
heoveece Designation
cegKe ceneheyevOeke Chief General Manager
4.
sueerHeesve veb. Telephone number
+91-22-66985454
5.
F&-cesue DeeF&[er e-mail id
gm.international.bcc@bankofbaroda.com
152

2 efmeebleJeej (Sve Jeer peer kes Devegmeej) yeer Deej veerefle / veerefleeeB (Gej neb/
veneR ceW)
e.meb. heMve
2013-14
2. Principle - wise (as per NVGs) BR Policy /

Policies (Reply in Y/N)
S.No. Questions
1.$$ keee Deehekes heeme Fmekes efueS veerefle / veerefleeeB nQ...
Do you have a policy/policies for....
2
keee veerefle kee heefleheeove mecyeeqvOele efnleOeejkeeW mes hejeceMe& kej efkeee peelee nw?
Has the policy being formulated in consultation with the relevant
stakeholders?
3.**
keee veerefle efkemeer jeêre / Debleje&êre ceevekeeW kes Deveghe nw? eefo neb, lees mhe kejW
heer1
heer2
heer3
heer4
heer5
heer6
heer7
heer8
heer9
P1
neb*
Y*
P2
neb^
Y^
P3
P4
P5
P6
P7
P8
P9
neb
neb
neb
neb
veneR
neb
neb
neb
neb
neb
neb
neb
neb
veneR
neb
neb
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee veerefle yees[& eje Devegceesefole keer peeleer nw? eefo neb, lees keee Gme hej heyevOe
efveosMeke/ceeefueke/meerF&Dees / Gheege yees[& efveosMeke eje nmlee#ej efkeS peeles nQ?
veneR
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer ceW veerefle kes keeee&vJeeve hej vepej jKeves kes efueS yees[&/efveosMeke/
DeefOekeeefjeeW keer efJeefMe meefceefle nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
Dee@veueeF&ve osKeves kes efueS veerefle kee eEueke oMee&Sb?
neb
veneR
veneR
veneR
veneR
veneR
veneR
veneR
neb #
keee veerelf e kes yeejs ceW mecemle mebyebeOf ele Deebleefjke Je yeee efnleOeejkeeW kees metef ele efkeee peelee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer keer veerelf e / veerelf eeeW kes keeee&vJeeve kes efueS keesF& Deebleefjke mebjevee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer keer efnleOeejkeeW keer veerelf e/veerelf eeeW mes mecyeeqvOele efMekeeeleeW kes meceeOeeve kes efueS
veerelf e / veerelf eeeW mecyevOeer efMekeeele efveJeejCe ceMeervejer / JeJemLee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer eje efkemeer Deebleefjke ee yeee SpeWmeer mes veerefle keer keee&heCeeueer kee
mJeleb$e cetueebkeve / uesKee hejer#eCe kejJeeee ieee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
veneR
(50 MeyoeW ceW) (ke=heee he= kes veeres keer efhheCeer osKeW)
Y
Y
Y
Y
Y
Y
Y
Y
N
N
Y
Y
Y
Y
Does the policy conform to any national/international standards? If

yes, specify? (50 words) (Pl. see the footnote)
4
Has the policy being approved by the Board? Is yes, has it been
signed by MD/owner/CEO/appropriate Board Director?
5
Does the company have a specified committee of the Board/

Director/Official to oversee the implementation of the policy?
6
Indicate the link for the policy to be viewed online?

7
Has the policy been formally communicated to all relevant internal

and external stakeholders?
8
Does the company have in-house structure to implement the

policy/policies.
9
N
Y
N
Y
N
Y
N
Y
N
Y
N
N
N
Y
Y#
Y
Does the Company have a grievance redressal mechanism related

to the policy/policies to address stakeholders' grievances related
to the policy/policies?
10
Has the company carried out independent audit/evaluation of the

working of this policy by an internal or external agency?
yengle meer veerefleeeb Deewheeeefjke he mes yeQke kes eje leweej keer ieF& nQ pees yeQke
kees efJeefYeVe keeeeX ceW hele#e ee Dehele#e he mes efveebef$ele kejleer nQ. leLeeefhe Fmekes
DeueeJee, yeQke eje mecee-mecee hej efJeefYeVe efoMeeefveoxMe peejer efkeS peeles nQ efpevekee
heefjeeueve FkeeFeeB leLee efJeeceeve Deewheeeefjke veerefleeeW kes meeLe meeLe DevegmejCe
kejleer nQ. Fmeer hekeej yeQke, yeQeEkeie keeeeX kees mecheVe kejles mecee efJeefveeecekeeW
mecye mebmLeeDeeW eje leweej veerefleeeW Deewj Deve keevetveeW / meebefJeefOeke Dehes#eeDeeW
kees keeee&eqvJele kejlee nw.
* efmeeble 1 kes lenle, yeQke heeLeefceke he mes kesvere meleke&lee Deeeesie eje peejer
meleke&lee efveece hegmleke ceW efoS ieS meerJeermeer efoMeeefveoxMeeW kee DevegmejCe kejlee nw.
(eEueke: http://cvc.nic.in/man04.pdf)
^ yeQke keer Iejsuet $e+Ce veerefle eje efveebef$ele efmeeble 2 kes lenle efJeefYeVe ieefleefJeefOeeeB
pees kesJeue Deebleefjke heeesie kes efueS nesleer nQ, leLee, FmeefueS FvnW Dee@veueeFve veneR
osKee pee mekelee.
** e.meb. 3: yeQke eje meYeer veerefleeeW kee Devegheeueve efJeefYeVe eqveeecekeeW, meebefJeefOeke
efvekeeeeW pewmes Yeejleere efjpeJe& yeQke, efJee ceb$eeuee, mesyeer, Yeejle kee mebefJeOeeve,
keevetveer DeefOeefveeceeW Deeefo kes eje peejer efoMeeefveoxMeeW kes Deveghe efkeee peelee
nw. Dele: es jeêre ceevekeeW kes Deveghe nQ. eEueke: www.bankofbaroda.com
$$
$$ There are several policies formally put in place by the Bank

that govern various functions in the Bank directly or indirectly.
However, at the same time, there are various guidelines, issued
by the Bank from time to time, that are followed by the operating
units as well as the policies formally put in place. Similarly,
the Bank also implements the policies framed by regulators,
affiliated associations and other statutes while carrying out the
banking functions.
*Under Principle 1, the Bank follows primarily the CVC guidelines
as contained in the Vigilance Manual issued by the Central
Vigilance Commission. (Link: http://cvc.nic.in/man04.pdf)
^ Various activities under Principle 2 are governed by the Banks
Domestic Loan Policy which is meant for internal use only and,
therefore, cannot be viewed online.
** S. No. 3: All the policies being followed by the Bank are in
conformity with the guidelines issued by various regulators and
statutory bodies such as Reserve Bank of India, Ministry of
Finance, SEBI, Constitution of India, legal Acts etc. Hence, they
conform to national standards.
#Link: www.bankofbaroda.com
153
2013-14
2 ke eefo efkemeer efmeeble kes Deeies e.meb. -1 kee Gllej 'veneR' ceW nw lees Gmekee
keejCe yeleeebs (2 efJekeuHeebs leke Hej efveMeeve ueieeebs).
2a. If answer to S. No. 1 against any principle is 'No', please

explain why: (Tick up to 2 options)
e.meb.
heMve
heer1
heer2
heer3
heer4
heer5
heer6
heer7
heer8
heer9
S.No.
Questions
P1
P2
P3
P4
P5
P6
P7
P8
P9
1.
kecheveer efmeebleeW kees veneR mecePe heeF&
The company has not understood the Principles

2.
3.
4.
5.
6.
efmeeble heer 7 kes efueS veerefle veneR nesves kee keejCe:

kecheveer Fme eqmLeefle ceW veneR nw efke Jen Deheves Deehe kees efJeefvee|o efmeebleeW hej veerefleeeW neueebefke efmeeble 7 kes efueS keesF& efueefKele veerefle veneR nw, yeQke osMe kes
ye[s yeQkeeW ceW mes Ske nesves kes veeles veerefle efveOee&jkeeW leLee efJeefveeecekeeW
kes heefleheeove leLee keeee&vJeeve keer eqmLeefle ceW hee mekes.
The company is not at a stage where it finds itself in a position kes meeJe&peefveke efnle, efJeMes<e he mes mebeeueve SJeb heMeemeve kes #es$e ceW
to formulate and implement the policies on specified principles Deee|Leke megOeej, meeqcceefuele efJekeeme veerefleeeW Fleeefo keer yesnlejer kes
kecheveer kes heeme Fme keee& kes efueS efJeeere leLee eceMeefe eesle GheueyOe veneR nQ. efueS meneesieer nw.
The company does not have financial or manpower resources
available for the task
Reason for not having policy for P7
While there is no written policy for Principle 7, the
Fmes Deieues 6 cenerves ceW mecheVe efkeS peeves keer eespevee nw
Bank being one of the largest banks in the country is
It is planned to be done within next 6 months
associated with policymakers and regulators for the
advancement of public good, especially in the areas
Fmes Deieues 1 Je<e& ceW mecheVe efkeS peeves keer eespevee nw
of governance & administration, economic reforms,
It is planned to be done within the next 1 year
inclusive development policies, etc.
Deve keesF& keejCe (ke=heee efJeJejCe oW)
Any other reason (please specify)
3. JeeJemeeefeke oeefelJeeW mes mecyeeqvOele mebeeueve
3.
efveosMeke ceC[ue, yees[& meefceefle ee meerF&Dees eje kecheveer kes JeeJemeeefeke oeefelJe
keee&efve<heeove kee Deekeueve kejves kes efueS mecyeeqvOele DeeJeefOekelee kee GuuesKe kejW. 3 ceen
kes Yeerlej, 3-6 ceen, Jeee|<eke, 1 Je<e& mes DeefOeke.
Governance related to BR
Jeee|<eke
Annually
Indicate the frequency with which the Board of Directors, Committee

of the Board or CEO to assess the BR performance of the Company.
Within 3 months, 3-6 months, Annually, More than 1 year.
keee kecheveer JeeJemeeefeke oeefelJe ee heefleOeejCe (memsvesefyeefueer) efjhees& hekeeefMele kejleer neb, yeerDeej efjhees& kees www.bankofbaroda.com hej osKee pee
nw? Fme efjhees& kees osKeves kes efueS neFhejeEueke keee nw? Fmekes hekeeMeve keer DeJeefOe keee nw? mekelee nw.
Does the Company publish a BR or a Sustainability Report? What is Yes, BR Report can be viewed at
the hyperlink for viewing this report? How frequently it is published?
en efjhees& Jeeef<e&ke DeeOeej hej ekeeefMele nesleer nw Deewj en yeQke keer

Jeeef<e&ke efjhees& kee Yeeie nw.
This Report is published annually and is a part of the

Banks Annual Report.
154

KeC[ [. - efmeebleJeej keee&efve<heeove eqmLeefle
efmeevle 1 Principle 1
2013-14
Section E: Principle-wise performance

"keejesyeejer
mebJeJenej veereflehejke heejoMeea leLee Gejoeeer nesves eeefnS"
Businesses should conduct and govern themselves with

Ethics, Transparency and Accountability
1. keee vewefleke cetue, efjeleKeesjer leLee Yeeeej mebyebOeer veerefle ceW kesJeue peer neb, FmeceW kesJeue yeQke mes peg[s ceeceues ner Meeefceue nesles nQ.
mebmLee mes peg[s ceeceues ner Meeefceue nQ ?
yeQke keer mLeehevee 20 pegueeF&, 1908 kees kebheveer DeefOeefveece, 1897 kes DeOeerve kesJeue `.10
ueeKe
cee$e keer heoe hetbpeer mes keer ieF& Leer pees efke Deye meg{ SJeb efJeemeveere efJeeere mebmLee
1. Does the policy relating to ethics, bribery and
corruption cover only the company?
kes he ceW heebleefjle nes egkee nw. en Ske megieef"le SJeb megmebiele Je=ef nw efpemeceW keeheexjs
efJeJeske SJeb efJelee, meeceeefpeke ieefjcee, hejeshekeejer eqkeesCe DeLee&le otmejeW kes efJekeeme ceW
ner Dehevee GlLeeve pewmee oMe&ve Meeefceue nw.
yeQke keer mLeehevee meg{ vewefleke cetueeW hej ngF& leLee Fvner cetueeW kees F&ceeveoej SJeb efJeJeskehetCe&
vesle=lJe ves Deeies ye{eee nw. efJeeere efvee Jeeheeefjke efJeJeske, mepeielee SJeb meeJeOeeveer leLee
cesnveleer ueesieeW eje cesnvele mes keer ieF& keceeF& kes heefle hetCe& kele&JehejeeCelee pewmes cetue
yeQke kes keWere oMe&ve ceW Meeefceue nQ Deewj Fvner yeeleeW kees Oeeve ceW jKeles ngS yeQke eje
JeJemeeeiele efveCe&e efueS peeles nQ.
yeQke ceW Yeeeej, Deveeeej, ieyeve keer IeveeDeeW leLee efveefOeeeW kes oge|Jeefveeespeve keer jeskeLeece
kes efueS heYeeJeer leb$e ceewpeto nw. yeQke keWere meleke&lee Deeeesie eje peejer meleke&lee cesvegDeue
ceW GefuueefKele efoMeeefveoxMeeW kee ke[eF& mes heeueve kejlee nw. Fme efoMee ceW Devegheeueve efkeS
pee jns keg efoMeeefveoxMe Fme hekeej nw yeQke kes DeefOekeeefjeeW eje Yejer ieF& Deeefmle SJeb oselee efjve& keer Jeeef<e&ke meceer#ee keer
peeleer nw.
mebyeb heeefOekeeefjeeW mes hejeceMe& kej Ssmes DeefOekeeefjeeW efpevekeer F&ceeveoejer SJeb efvee
mebefoiOe SJeb mebosnemheo nw keer meJe&meccele meteer leweej keer peeleer nw.
efJeefYeVe mlejeW hej meHe keer jessMeve mebyebOeer metevee keWere meleke&lee Deeeesie kees
ceeefmeke efjheeseX kes ceeOece mes Yespeer peeleer nw.
Ge heejoe|Melee yeveeS jKeves kes efueS meYeer DeeJesove Heece& / heesHeecee& yeQke keer JesyemeeF
hej GheueyOe kejeS ieS nw efpevns [eGveuees[ efkeee pee mekelee nw.
meerJeermeer efoMee-efveoxMeeW kes Devegmeej eeweesefiekeer kee DeefOekelece Gheeesie kejles ngS meleke&lee
eMeemeve ceW megOeej ueeves kes eeespeve mes meYeer DeeJesove Hee@ce& / eesHeecee& [eGveuees[
kejves eesie he ceW JesyemeeF hej GheueyOe kejees iees nQ. mebueive kejves eesie meYeer
omleeJespe Deewj GheueyOe kejeF& peeves Jeeueer metevee JesyemeeF hej mhelee mes mecePeeF&
ieeer nw Deewj en DeeJesove Hee@ce& kee efnmmee nw, efJee ceb$eeuee eje meYeer mejkeejer #es$e
kes yeQkeeW ceW Ske meceeeve he mes keeee&vJeeve nsleg metefele ceevekeerke=le peve-efMekeeele
efveJeejCe heefle (SmeheerpeerDeejSme) kees megee yeveeee ieee nw. efJeefYeVe yeesueeroeleeDeeW
keer efmLeefle Deewj Sue-1 SpeWmeer kee veece efpemes keee& meeQhee ieee nw, oMee&vesJeeues efveefJeoe
omleeJespeeW kes cetueebkeve kes heMeele mebefJeoeDeeW kee meejebMe ceeefmeke DeeOeej hej
kee@heesjs JesyemeeF hej eoefMe&le efkeee peelee nw. megj#ee KeeefceeeW kees otj kejves kes
efueS efHeveskeue ceW efvejblej megOeej efkeee peelee nw. OeesKeeOe[er efveebef$ele kejves / jeskeves
kes efueS OeesKeeOe[er eyebOeve meceeOeeve (SHeSceSme) ueeiet efkeee ieee nw.
efJeefYeVe DebeueeW /#es$eeW kes meleke&lee DeefOekeeefjeeW eje efveeefcele efvejer#eCeeW leLee efveJeejke
meleke&lee uesKee hejer#ee kes oewjeve meHe meomeeW kes KeeleeW keer eeeqke (jW[ce) peebe
he[leeue keer peeleer nw. Snefleeeleer mele&kelee Gheee kes he ceW metevee eeweesefiekeer efJeYeeie
kes ceeOece mes Ske eCeeueer Meg keer ieeer nw efpemekes lenle meHe hej Deheves Keeles ceW
veeces DeLeJee pecee kejves hej eefleyebOe ueieeee ieee nw.
yeQke ceW meYeer MeeKeeDeeW kee DeeJeefOeke DeeOeej hej efveeefcele/ Deekeeqmceke efvejer#eCe/
kevekejW Dee@ef[ efkeS peeves keer Ske heCeeueer nw.
OeesKeeOe[er/oge|Jeefveeespeve keer jeskeLeece kes efueS heleske Jeie& kes meHe meomeeW ceW
peeiekelee ueeves kes GsMe mes Debeue/ #es$eere keeee&uee/ keeheexjs keeee&uee kes
meleke&lee DeefOekeeefjeeW eje eeefvele MeeKeeDeeW ceW efveJeejke meleke&lee Dee@ef[ efkeee
peelee nw.
155
2013-14
metefele DeefveeefceleleeDeeW ceW meHe meomeeW keer efpeccesoejer keer peebe he[leeue kejves kes
GsMe mes heleske Debeue keeee&uee ceW Debeue meleke&lee meefceefle kee ie"ve efkeee ieee
nw. meleke&lee meefceefle DevegMeemeveelceke keee&Jeener keer eq mes meYeer DeefveeefceleleeDeeW
Deewj mele&kelee eMeemeve mes peg[s meYeer ceeceueeW keer heLeceee peebe kejleer nw. kesvere
meleke&lee efJeYeeie kees Fvekeer efjhees& efceueleer nw.
cegKe meleke&lee DeefOekeejer eje en megefveeqele efkeee peelee nw efke oes<eer DeefOekeejer kes
efJe lelkeeue efveJeejke SJeb oC[elceke keee&Jeener keer peeS, pees Deve kes efueS Ske
eble nes.
kesvere meleke&lee Deeeesie (meerJeermeer) efoMeeefveoxMeeW kes Deveghe meleke&lee peeiekelee
mehleen kee Deeeespeve efkeee peelee nw. Yeeeej kes efJe meHe/pevemeeceeve/
ieenkeeW ceW peeiekelee ueeves kes GsMe mes meYeer mlejeW hej mesefceveej, heefleeesefieleeDeeW
Deeefo kee Deeeespeve efkeee peelee nw.
cegKe meleke&lee DeefOekeejer, meleke&lee efkeesCeJeeueer efMekeeeleeW keer peebe megefveefele
kejles nQ Deewj peneb keneR DeeJeMeke nes mecegefele keej&JeeF& kejles nQ.
Yes, it covers the Bank only.
The Bank was set up on 20th July 1908, under the Companies Act
of 1897, with a small paid up capital of Rs 10 lakh that has now
translated into a strong and trustworthy financial body. It has been
a well-orchestrated growth, involving corporate wisdom, social pride
and the vision of helping others grow, and growing itself in turn.
The Bank has been founded on strong ethical values taken forward
by its honest and prudent leadership. The financial integrity,
business prudence, caution and an abiding care and concern for
the hard earned savings of hard working people, have been the
central philosophy around which business decisions are effected
in the Bank.
The Bank has effective mechanism in place to check corruption,
malpractices, embezzlements and misappropriation of funds.
The Bank follows the guidelines strictly as per the Vigilance
Manual issued by the Central Vigilance Commission. Some of
the guidelines being followed are as under:
Annual review of Assets & Liabilities Returns filed by the Banks
officers.
An Agreed List of officers whose honesty or integrity is under
doubt or suspicion is prepared annually in consultation with the
relevant authorities.
Information on rotation of staff at different levels in the Bank is
submitted to the Central Vigilance Commission in monthly reports.
To maintain utmost transparency, all application forms/proformae
are made available on the websites in downloadable forms.
As per CVC guidelines for improving Vigilance Administration
by leveraging technology, all application forms/ proformae
are made available on the websites in downloadable forms.
All documents needed to be enclosed and the information
to be provided is clearly explained on the website and is also
part of the application form. Standardized Public Grievance
Redressal System (SPGRS) as advised by MOF for uniform
implementation in PSBs is made active. Summary of contracts
after evaluation of tender documents showing position of
various bidders and name of the agency L1 to whom the work
is awarded, is displayed on the corporate website on monthly
basis. Improvement in Finacle to plug security loopholes is
continuously effected. Fraud management Solution (FMS)
has been put in place as a tool to control/prevent frauds.
156
2013-14
Scrutiny of staff accounts at random is undertaken at the time

of regular inspection and during the Preventive Vigilance Audits
conducted by the Vigilance Officers of various Zones/ Regions.
As a preventive vigilance measure, a system has been
introduced through the Information Technology department
putting restriction on staff to either debit or credit in his account.
The Bank has a system of conducting Regular/Surprise
inspections/ Concurrent audit of all the branches periodically.
In order to bring awareness in the rank and file to curb
occurrence of frauds/ misappropriation, Preventive Vigilance
Audits of selected branches by the Vigilance Officers at Zonal
Offices/ Regional/ Corporate Offices are conducted.
With a view to examine staff accountability in irregularities
reported, Zonal Vigilance Committees have been constituted
at each Zonal Office. The Vigilance Committee examines all
irregularities prima facie warranting disciplinary action and all
issues regarding vigilance administration. Central Vigilance
department gets a report thereof.
The Chief Vigilance Officer ensures that prompt punitive action
is taken against the delinquent officials as a deterrent and
demonstrative action.
Vigilance Awareness Week is observed annually as per CVC
guidelines. Seminars, competitions etc. are organized at all
levels to disseminate awareness against corruption amongst
staff members, public and customers..
The Chief Vigilance Officer ensures investigation of complaints
having vigilance overtones and takes appropriate action
wherever required.

keee Fmes mecetn/mebege GheeceeW/Deehete|lekelee&DeeW/mebefJeoekeejeW/ SvepeerDees/ veneR / NO

DeveeW hej Yeer ueeiet efkeee peelee nw ?
Does it extend to the Group/Joint Ventures /

Suppliers /Contractors/NGOs/Others?
2.
efJeiele efJee Je<e& ceW efnleOeejkeeW keer efkeleveer efMekeeeleW heehle ngF leLee heyebOeve efJeiele efJee Je<e& (2013-14) kes oewjeve 23350 ieenke efMekeeeleW heehle ngF& leLee FveceW mes
eje efkeleves heefleMele efMekeeeleeW kee meblees<epeveke {bie mes meceeOeeve efkeee 23218 (99.43%) kee meblees<epeveke {bie mes meceeOeeve efkeee ieee. yeQke ceW efveosMeke ceb[ue
ieee ? eefo efMekeeeleW heehle ngF& neW lees 50 MeyoeW ceW Fmekee efJeJejCe oW. eje Devegceesefole ieenke efMekeeele efveJeejCe veerefle leLee Ske megieef"le ieenke efMekeeele efveJeejCe
ceMeervejer keee&jle nw. yeQke ieenke keer meblegeq leLee Gvekeer DeeJeMekeleeDeeW/Dehes#eeDeeW kees hetje
2. How many stakeholder complaints have been received
kejves kes heefle mepeie SJeb peeieke nw. yeQke Fme OeejCee kes heefle heefleye nw efke lekeveerke
in the past financial year and what percentage was
heefeee, Glheeo Deewj meHe keewMeue kee Gheeesie DeefveJeee& he mes ieenkeeW kees Glke= yeQeEkeie
satisfactorily resolved by the management? If so,
mesJeeSb/DevegYeJe heoeve kejves kes efueS efkeee peeS.
provide details thereof, in about 50 words or so.
Fmekes DeueeJee, Je<e& (2013-14) kes oewjeve 77 meleke&lee mebyebOeer efMekeeeleW Yeer heehle ngF&. Fve
efMekeeeleeW keer efJeefYeVe DeefOekeeefjeeW eje peebe he[leeue/eveyeerve keer ieF&.
During the past financial year (2013-14), 23,350 customer
complaints were received, out of which 23,218 (99.43%) were
satisfactorily resolved. The Bank has put in place a Customer
Grievance Redressal Policy, approved by the Board, and a well
structured Customer Grievance Redressal Mechanism. The Bank
is highly responsive to the needs and satisfaction of its customers,
and is committed to the belief that all technology, processes,
products and skills of its people must be leveraged for delivering
superior banking experience to its customers without fail.
Also, during the year (2013-14), 77 vigilance complaints were
received. All these complaints were examined/investigated through
various authorities.
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`'JeJemeee kes ceeOece mes Fme hekeej kes Glheeo SJeb mesJeeSb heoeve keer peeSb pees
megjef#ele neW SJeb peerJeveheele meneesieer SJeb ceooieej neW.''
Businesses should provide goods and services that are safe
and contribute to sustainability throughout their life cycle
1. Deheves -3- Ssmes GlheeoeW DeLeJee mesJeeDeeW kee GuuesKe kejW efpevnW meeceeefpeke i. mJeeb meneelee mecetn (SmeSepeer)
DeLeJee heee&JejCe kes GsMeeW, peesefKece leLee/DeLeJee DeJemejeW keer eq mes mJeeb meneelee mecetn iejerye ueesieesb leke hengbe yeveeves, GveceW yeele keer Deeole efJekeefmele
efveefhele efkeee ieee nw.
kejves Deewj yeQke $e+Ce kes ceeOece mes Gvekes efueS Deee kes meeOeve pegeves kee Ske
List up to 3 of your products or services whose design
efkeHeeeleer peefjee nw. yeQke ves mJeeb meneelee mecetneW kes efJeehees<eCe kes efueS efveeceeW/
has incorporated social or environmental concerns,
ceeveoC[eW kees mejue yeveeee nw. yeQke mJeeb meneelee mecetn yeveeves kes efueS heefleeqle
risks and/or opportunities.
iewj mejkeejer mebie"veeW keer ceoo ues jne nw.
ceefnuee meMeefekejCe ceW mJeeb meneelee mecetneW keer Yetefcekee kees Oeeve ces jKeles ngS
yeQke ceefnuee mJeeb meneelee mecetneW kes ie"ve SJeb Gvekes efJee hees<eCe hej Oeeve keseqvle
kej jne nw. yeQke efJee ceb$eeuee kes efoMee-efveoxMeeW kes Devegmeej osMe kes egeEveoe efhe[s
efpeueeW ceW ceefnuee ueeYeee|LeeeW kes efJeehees<eCe mebyebOeer eespevee kees efeeeeqvJele kej jne
nw, efpemekes lenle vetvelece `.50,000/- kes $e+Ce mJeerke=le efkeS peeles nQ. Fme eespevee
kees ueeiet kejves kes efueS yeQke kes DeieCeer efpeueeW kees egvee ieee nw peneb iewj mejkeejer
mebie"veeW kes meeLe leeuecesue kes peefjS kesJeue ceefnuee mJeeb meneelee mecetneW kee ie"ve
efkeee peelee nw.
ii. ye[ewoe mJejespeieej efJekeeme mebmLeeve (ye[ewoe Deejmeser)
ieeceerCe egJeeDeeW kees keee&kegMeue yeveeves keer DeeJeMekelee leLee GvnW mJejespeieej GeceeW
ceW ueieeves keer pejle kees Oeeve ceW jKeles ngS yeQke ves Ske veeme kee ie"ve efkeee nw.
efpemekes Debleie&le yesjespeieej egJeeDeeW kees efveMeguke JeeJemeeefeke heefMe#eCe heoeve kejves
kes efueS osMeYej ceW 47 kesv mLeeefhele efkeS ieS nQ.
es kesv heefMeef#ele egJeeDeeW kees yeQke $e+Ce heehle kejves leLee mJeeb kes Gece mLeeefhele
kejves kes efueS njmebYeJe meneesie heoeve kej jns nQ. ceee&, 2014 leke yeQke ves
1,92,247 DeYee|LeeeW kees Fmekes lenle heefMeef#ele efkeee nw leLee FveceW mes 120979
(62.93%) ves meHeueleehetJe&ke Deheves Gece mLeeefhele kej efueS nQ.
iii. efJeeere mee#ejlee Deewj $e+Ce hejeceMe& kesv (meejLeer)
meceepe kes Jebefele Jeie& kees efJeeere mesJeeDeeW kes oeejs ceW ueeves kes efueS efJeeere mee#ejlee
heeLeefceke DeeJeMekelee nw, Fmeer yeele kees Oeeve ceW jKeles ngS yeQke ves osMeYej ceW 45
efJeeere mee#ejlee Deewj $e+Ce hejeceMe& kesv mLeeefhele efkeS nQ, pees GejoeefelJehetCe&
$e+Ce oeve nsleg efJeeere mee#ejlee heoeve kejles nw leLee pees efJeeere keef"veeFeeW ceW nw,
GvnW hejeceMe& heoeve kejles nQ.
ceee& 2014 leke kegue efceueekej 1,26,445 JeefeeeW ves mesJeeSb heehle kejves kes efueS
Fve kesveW mes mebheke& efkeee. Fve kesveW hej mebheke& kejves JeeueeW kees kesveW hej keee&jle
meYeer hejeceMe&oelee hele#ele mesJeeSb heoeve kej jns nQ. hejeceMe&oelee otjmLe kesveW hej
efMeefJej ueieekej Yeer mesJeeSb os jns nQ.
i. Self Help Groups (SHGs)
SHG is a cost effective way to reach out to the poor and
empower them by inculcating saving habit amongst them
as well as enabling them to undertake income generating
activities through bank credit. The Bank has adopted more
liberal norms of financing to SHGs. The Bank is also taking
help of reputed NGOs for formation of SHGs.
Considering the role played by SHGs in empowerment of
women, the Bank is focusing on formation and financing
of women SHGs. The Bank is implementing the scheme of
financing to women beneficiaries in identified backward
districts of the country, as per the guidelines of the Ministry
of Finance, wherein the minimum loan amount of Rs 50,000
is sanctioned. The Banks six Lead districts are identified for
implementation of this scheme under which exclusive women
SHGs are formed under tie up arrangement with NGOs.
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2013-14
ii. Baroda Swarojgar Vikas Sansthan (Baroda RSETI)

Identifying the need for imparting skills to rural youth and
engaging them in self employment ventures, the Bank has
formed a trust under which 47 centers are established all over
the country to provide free of cost vocational training to the
unemployed youth.
These centers are also providing handholding support to the
trained youth in availing bank credit and in establishment of
their ventures. Bank has trained 1,92,247 candidates under
this activity out of which 1,20,979 (62.93%) have established
their ventures successfully up to March 2014.
iii. Financial Literacy & Credit Counseling centers (SARATHEE)
Financial literacy being a prerequisite for bringing the excluded
sections of the society under the financial services, the Bank
has established 45 Financial Literacy and Credit Counseling
Centers all over the country which are providing financial
literacy for responsible borrowing and also counseling to those
who are under financial distress. Till March 2014, cumulatively
1,26,445 persons visited these centers for availing the
services.
All the counselors at these centers are providing face to face
services to the visitors at the centers as also conducting camps
in the remote areas for providing their services.
Ssmes heleske Glheeo kes mebyebOe ceW mebmeeOeveeW kes Gheeesie (Tpee&, peue, keee ueeiet veneR
ceeue Deeefo) mebyebOeer heefle Glheeo efvecveefueefKele efJeJejCe oW (Jewkeequheke)
i. Fme meboYe& ceW efheues Je<e& keer leguevee ceW mebmeeOeveeW/ Glheeove/mebefJelejCe kes
oewjeve ueeF& ieF& keceer
ii. efheues Je<e& keer leguevee ceW GheYeeseeDeeW eje Gheeesie kes oewjeve (Tpee&,
peue) ueeF& pee mekeer keceer.
2.
For each such product, provide the following details in Not Applicable
respect of resource use (energy, water, raw material
etc.) per unit of product(optional)
i. Reduction during sourcing/production/ distribution
achieved since the previous year throughout the
value chain?
ii. Reduction during usage by consumers (energy,
water) has been achieved since the previous
year?
3.
keee kebheveer keer OeejCeere mebmeeOeve eeefHle kes efueS heefeee/JeJemLee

GheueyOe nw (heefjJenve JeJemLee meefnle)
i. eefo neb lees Deehekes FveHegdme kee efkelevee eefleMele OeejCeere eeHle
efkeee ieee nw ? 50 MeyoeW ceW Fmekee efJeJejCe Yeer oW.
ueeiet veneR
Not Applicable
Does the company have procedures in place for

sustainable sourcing (including transportation)?
i. If yes, what percentage of your inputs was sourced
sustainably? Also,provide details thereof, in about
50 words or so.
159
4.
2013-14
keee kebheveer ves mLeeveere leLee ueIeg GlheeokeeW, efpemeceW Gvekes keee&mLeue
kes Deemeheeme kee mecegoee Yeer Meeefceue nw, mes Glheeo SJeb mesJeeSb heehle
kejves nsleg keesF& keoce G"eS nQ ?
eefo neb lees Gvekeer #ecelee leLee mLeeveere leLee ess Jesv[me& keer
#eceleeDeeW ceW megOeej nsleg keee Gheee efkeS ieS nQ ?
ueeiet veneR
Not Applicable
Has the company taken any steps to procure goods

and services from local & small producers, including
communities surrounding their place of work?
If yes, what steps have been taken to improve their
capacity and capability of local and small vendors?
5. keee kebheveer kes heeme GlheeoeW leLee yeskeej JemlegDeeW keer efjmeeFefkeeEueie kes ueeiet veneR
efueS keesF& JeJemLee nw ? eefo neb lees GlheeoeW leLee yeskeej JemlegDeeW keer Not Applicable
efjmeeFefkeeEueie kee heefleMele efkelevee nw ? (Deueie-Deueie <5%, 5-10%,

>10%) 50 MeyoeW ceW Fmekee efJeJejCe GheueyOe kejeSb

Does the company have a mechanism to recycle

products and waste? If yes, what is the percentage of
recycling of products and waste (separately as <5%,
5-10%, >10%). Also, provide details thereof, in about
50 words or so.
160
"JeJemeee
2013-14
mes meYeer kece&eeefjeeW keer megKe-mece=ef GVele nesveer eeefnS."
Businesses should promote the wellbeing of all employees

46,001
1. ke=heee kece&eeefjeeW keer kegue mebKee kees oMee&Sb

Please indicate the Total number of employees.
2. ke=heee DemLeeeer / mebefJeoe / Deekeeqmceke DeeOeej hej efueS ieS

kece&eeefjeeW keer mebKee kees oMee&Sb.

Please indicate the Total number of employees hired

on temporary/contractual/casual basis
(31 ceee&, 2014 kees) (as on 31st March 2014)

2
3. ke=heee mLeeeer ceefnuee kece&eeefjeeW keer mebKee oMee&Sb.

Please indicate the Number of permanent women 9,641

employees.
4. ke=heee Dehebie mLeeeer kece&eeefjeeW keer mebKee oMee&Sb.

Please indicate the Number of permanent employees 877

with disabilities
5. keee Deehekes heeme keesF& kece&eejer mebie"ve nw pees heyevOeve kes eje ceeve nw? peer neb, oes mebie"ve nQ
(Ske DeefOekeejer kece&eeefjeeW kes efueS leLee Ske efueefhekeere leLee DeOeervemLe kece&eeefjeeW kes efueS)
Yes, Two Associations
Do you have an employee association that is (one for Officer Employees & one for Clerical & Sub staff
recognized by management?
Employees)
6. Deehekes mLeeeer kece&eeefjeeW kee efkelevee heefleMele Fme ceeve kece&eejer

mebie"ve kes meome nQ?

DeefOekeejer mebie"ve : 63.74%

efueefhekeere leLee DeOeervemLe kece&eejer mebIe: 46.73%
63.74%
What percentage of your permanent employees is Officers Association
members of this recognized employee association? Clerical & Sub staff Employees Union 46.73%
7. ke=heee efheues efJeeere Je<e& ceW yeeue cepeotjer, peyejve cepeotjer, Deveweqke cepeotjer, eewve Glheer[ve mes mecyeeqvOele efMekeeeleeW keer mebKee oMee&Sb leLee Fme efJeeere Je<e&
kes Deble leke yekeeee efMekeeeleeW keer eqmLeefle oMee&Sb.

Please indicate the Number of complaints relating to child labour, forced labour, involuntary labour, sexual harassment in
the last financial year and pending as on the end of the financial year.
e.meb. esCeer
S. No. Category

efJeeere Je<e& kes oewjeve ope& keer ieF& efMekeeeleeW keer mebKee efJeeere Je<e& kes Deble ceW yekeeee efMekeeeleeW keer mebKee
No of complaints filed
No of complaints pending
during the financial year
as on end of the financial year
1.

Metve Nil
Metve Nil
yeeue cepeotjer, peyejve cepeotjer,

Deveweqke cepeotjer Child labour
/forced labour/involuntary labour
2.
eewve Glheer[ve
Sexual harassment
Metve Nil
3.
he#eheeleer jespeieej
Discriminatory employment
Metve
Nil
Metve
Nil
8. veeres oMee&S ieS kece&eeefjeeW ceW mes efkeleves heefleMele kece&eeefjeeW kees efheues Je<e& megj#ee leLee keewMeue efJekeeme (Deheies[sMeve) kee heefMe#eCe efoee ieee?

What percentage of your under mentioned employees were given safety & skill up-gradation training in the last year?
mLeeeer kece&eejer Permanent Employees
51.00%
mLeeeer ceefnuee kece&eejer Permanent Women Employees
45.00%
Deekeeqmceke DeeOeej hej efueS ieS / DemLeeeer / mebefJeoe kece&eejer Casual/Temporary/Contractual Employees
Metve Nil
DeMekele kece&eejer Employees with Disabilities
43.00%
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``JeJemeee ceW meYeer efnleOeejkeeW, efJeMes<ekej pees Jebefele, kecepeesj Deewj neefMeS hej nQ,
Gvekes efnleeW kee mecceeve nesvee eeefnS leLee Gvekes heefle mebJesoveMeerue nesvee eeefnS.''
Businesses should respect the interests of, and be
responsive towards all stakeholders, especially those who
are disadvantaged, vulnerable and marginalized
1. keee kebheveer ves Deheves Deebleefjke SJeb yeee efnleOeejke megefveeqele kej efueS nw? peer neb

Has the company mapped its internal and external Yes

stakeholders?
2. Ghejese ceW mes keee kecheveer ves Jebefele, kecepeesj Deewj neefMeS hej he[s
efnleOeejkeeW kees efeeqle kej efueee nw?
peer neb
Yes
Out of the above, has the company identified

the disadvantaged, vulnerable & marginalized
stakeholders?
3. keee kecheveer ves Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW
kees Deekee|<ele kejves kes efuees keesF& efJeMes<e henue keer nw? eefo neb, lees
Fmekee ueieYeie 50 MeyoeW ceW efJeJejCe oW.

yeQke ves Deebleefjke Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW kees Deekee|<ele kejves
leLee Gvekees ueeYe hengBeeves kes efueS efJeefYeVe henueW keer nQ. Fveces mes keg Fme hekeej kes nQ:
De.pee./De.pe.pee. kece&eejer
Are there any special initiatives taken by the company

peeefle, mebheoee Deewj Oece& kes DeeOeej hej YesoYeeJe ve kej, yeQke Deheves meYeer kece&eeefjeeW
to engage with the disadvantaged, vulnerable and
marginalized stakeholders. If so, provide details kes meeLe Ske meceeve JeJenej keer YeeJevee keer veerefle kee DeeejCe kejlee nw. De.pee./
De.pe.pee. Jeie& kes kece&eeefjeeW kes efueS yeQke keg efJeefMe ueeYe/megefJeOeeSb/meneelee cegnwee
thereof, in about 50 words or so.
kejJeelee nw pewmes Yeleea hetJe& heefMe#eCe, heoesVeefle hetJe& heefMe#eCe leLee De.pee./De.pe.pee. Jeie&
kes kece&eeefjeeW kes yeeeW kes efueS Yeejle jlve [e@ yeeyeemeensye Debyes[kej cesceesefjeue ^m
mes e$eJe=efe.
De.pee./De.pe.pee. Jeie& kes kece&eeefjeeW mes mebyeeqvOele cegeW/ efMekeeeleeW hej efJeeej kejves
kes efueS yeQke ves heOeeve keeee&uee ceW ceneheyebOeke mlej kes cegKe mebheke& DeefOekeejer leLee
heleske Debeue (kegue 13) ceW mebheke& DeefOekeejer keer JeJemLee keer nw. meeLe ner, yeQke ves heOeeve
keeee&uee, ye[ewoe ceW Ske mecee|hele DevegYeeie keer mLeehevee Yeer keer nw efpemekes DevegYeJeer SJeb
hesMesJej keceea De.pee./De.pe.pee. Deej#eCe mes mebyeeqvOele cegeW kees osKeles nQ leLee De.pee./
De.pe.pee. Deeeesie, mejkeejer kece&eeefjeeW SJeb Deve yeenjer SpeWefmeeeW kes meeLe mebheke& ceW
jnles nQ leeefke De.pee./De.pe.pee. Deej#eCe mebyebOeer efoMee efveoxMeeW kee mecegefele Devegheeueve
megefveeqele nes.
kee@heexjs mlej SJeb Debeue mlej hej yeQke, DeefKeue Yeejleere yeQke Dee@He ye[ewoe De.pee./
De.pe.pee. kece&eejer keueeCe mebie"ve kes meeLe efleceener yew"keW Deeeesefpele kejlee nw efpemeceW
De.pee./De.pe.pee. kece&eeefjeeW kes ueeYe SJeb Deej#eCe mes mebyeeqvOele efJeefYeVe veerefleeeW kes
mecegefele Devegheeueve hej efveeefcele he mes efJeeej efkeS/efveCe&e efueS peeles nQ.
DeMekele Jeefe
Ske efveeesee kes leewj hej yeQke Deheves meYeer kece&eeefjeeW kees Ske meceeve DeJemej heoeve
kejlee nw. DeMekele kece&eeefjeeW kees Deve kece&eeefjeeW kes meceeve ner cepeotjer/Jesleve,
heoesVeefle leLee Deve ueeYe heoeve efkeS peeles nQ. DeMekele JeefeeeW kees keece meeQheles ngS
Fmekee Gefele Oeeve jKee peelee nw efke DeHeveer DeMekelelee kes yeeJepeto Yeer Jes meeQhee ieee
keee& Deemeeveer mes kej mekeW.
Fmekes DeueeJee, DeMekele JeefeeeW kees efJeMes<e he mes efveeqele ueeYe/heefleHeue efoes peeles
nQ pewmes heeLeefcekelee kes DeeOeej hej yeQke kes efjneeMeer DeeJeemeeW kee DeeJebve, eJeCe eb$e
(yenjs ueesieeW kes efueS) Kejeroves kes efueS efJeeere meneelee, ke=ef$ece Debie (DeeqmLe efJekeueebielee
kes efueS) efveeqele meercee kes Yeerlej, DebOes SJeb DeeqmLe efJekeueebie kece&eeefjeeW kes efueS Jeenve
Yees kee Yegieleeve, megefJeOeepeveke mLeeveeW hej efveegefe, ieeceerCe/DeOe& Menjer mLeeveeW ceW
efveegefe mes t Fleeefo.
162
2013-14
yeQke ves yeee Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW kees FmeceW meceeefnle kejves
leLee Gvekees ueeYe hengBeeves kes efueS efJeefYeVe henueW keer nQ. FveceW mes keg Fme hekeej nQ:
ke. `.1 ueeKe leke kes ke=ef<e $e+Ce ceW ceee|peve SJeb mebheee|eke heefleYetefle mebyebOeer DeeJeMekelee
ceW t.
Ke. ye[ewoe efkemeeve esef[ kee[& eespevee (yeerkesmeermeer) kes Debleie&le yeerkesmeermeer Oeejke
efkemeeve Jeweefeke $e+Ce meefnle ke=ef<e SJeb heefjJeej kes YejCehees<eCe, GheYeesie keer
JemlegDeeW SJeb efveJesMe kes efueS Deefiece ues mekeles nQ.
ie. $e+Ce mJewhe eespevee kes Debleie&le iewj mebmLeeiele $e+CeoeleeDeeW mes efueS ieS $e+Ce kes
DeefOeienCe kes mecee $e+Ceiemlelee mee#e mebyebOeer omleeJespeeW keer DeeJeMekelee ceW t.
`. 25000/- leke kes $e+Ce kes efueS DeeJesoke eje kesJeue mJe Iees<eCee efoes peeves keer
DeeJeMekelee nw.
Ie. ess SJeb cePeesues efkemeeveeW, Keseflenj cepeotjeW SJeb kecepeesj Jeie& kes Deve efJeefvee|o
esCeer kes $e+Cekelee&DeeW mes keesF& ceee|peve jeefMe uesves keer DeeJeMekelee veneR nw peyeefke
efJeMes<e efJekeeme keee&eceeW pewmes SmepeerSmeJeeF& Fleeefo kes lenle Devegoeve keer JeJemLee
nw.
[. Keseflenj cepeotj, yebeF&oej SJeb DeefueefKele hesoej kees Hemeue Ghepeeves kes efueS efoes
peeves Jeeues $e+Ce keer eqmLeefle ceW, mLeeveere heMeemeve/hebeeeleer jepe mebmLee eje peejer
heceeCehe$e yeQke mJeerkeej kejlee nw.
e. kecepeesj JeieeX kes efMe#ee $e+Cekelee&DeeW SJeb Menjer iejeryeeW kes efueS DeeJeeme $e+Ce nsleg
yeQke $e+Ce yeepe Devegoeve eespevee mebeeefuele kej jne nw.
. ke=ef<e #es$e ceW Deefiece kes efueS mejueerke=le $e+Ce omleeJespeerkejCe DeLee&le Skeue eqyebOeve
heefeee DeheveeF& ieF& nw.
pe. yeQke kes Deve ieenkeeW kes meceeve ner eqnerve ieenkeeW kees Jewkeequheke ef[efueJejer ewveue
kes ceeOece mes yeQeEkeie mebJeJenej kej heeves eesie yeveeves nsleg yeQke ves Deheves keg
egefvevoe SerSce ceW OJeefve efveoxefMele heefjeeueve keer JeJemLee ueeiet keer nw.
The Bank has taken various initiatives to engage and extend
benefits to the internal disadvantaged, vulnerable and marginalized
stakeholders. Some of them are as under:
SC/ST Employees
The Bank practices policy of equal treatment of all employees without
any discrimination and bias on the basis of caste, creed and religion.
The Bank extends certain special benefits/facilities/assistance to
employees belonging to SC/ST category such as pre-recruitment
training, pre promotion training and scholarship for meritorious
students among children of employees belonging to SC/ST category,
from Bharat Ratna Dr. Babasaheb Ambedkar Memorial Trust.
The Bank has a Chief Liaison Officer in the rank of General Manager
at Head office level and Liaison officer at each zone (total 13) for
effectively addressing issues/grievances of SC/ST employees. Also,
there is a dedicated SC/ST cell at the Banks Head Office, Baroda,
manned by experienced professionals, which deals with issues
related to SC/ST reservation and liaison with SC/ST commission,
Government officials and other external agencies for ensuring strict
compliance of SC/ST reservation guidelines.
The Bank conducts quarterly meetings with All India Bank of Baroda
SC/ST Employees Welfare Association at corporate level as well as
zonal offices level wherein regular view is made about the proper
implementation of the various policies pertaining to reservation and
benefits extended to employees belonging to SC/ST.
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2013-14
Persons with Disabilities

The Bank, as an employer, provides equal opportunities to all its
employees. The wages/salaries, promotions and other benefits
extended to employees with disabilities are at par with other
employees. At the time of assignment of duties to employees with
disabilities, proper care is taken to ensure that they are able to
discharge their duties comfortably, despite their disability.
Moreover, certain benefits/considerations are especially extended to
persons with disabilities such as preferential allotment of the Banks
residential accommodation, financial assistance for buying hearing
aid (for hearing impaired persons), artificial limbs (for orthopedically
challenged) within certain limits, payment of conveyance allowance to
blind and orthopedically handicapped employees, convenient place
of posting, exemption from rural/semi-urban posting etc.
The Bank has taken various initiatives to engage and extend
benefits to the external disadvantaged, vulnerable and marginalized
stakeholders. Some of them are as under.
a. Margin and collateral security requirements are waived for
agricultural loans up to Rs 1 lakh.
b. Under Baroda Kisan Credit Card (BKCC) Scheme, BKCC holder
farmers can avail farm and family maintenance, consumption and
investment credit including personal loans.
c. Under the Debt Swap scheme for takeover of loans availed from
non institutional lenders, the Bank has waived the requirement for
any documentary evidence for indebtedness. Only self declaration
for loans up to Rs 25,000 is required from the applicant.
d. For small and marginal farmers, agriculture labourers and other
specified categories of weaker sections, no margin from borrowers
is required where subsidy is available under special development
programmes like SGSY, etc.
e. The Bank is accepting certificates provided by local administration/
Panchayti Raj institutions regarding the cultivation of crops in case
of loans to landless laborers, sharecroppers and oral lessees.
f. The Bank is implementing Interest Subsidy Scheme for Education
Loan borrowers
belonging to weaker sections and Interest
Subsidy Scheme for Housing the Urban Poor.
g. Simplified loan documentation i.e. Single hypothecation document
is adopted for lending to Agriculture Sector.
h. The Bank has implemented Voice Guidance Functionality on
its select ATMs for assisting its Visually Challenged Customers
to enable them to carry out banking transactions on alternate
delivery channels and bring them to par with all other customers
of the Bank.
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`'JeJemeee kees ceeveJeeefOekeejeW kee mecceeve SJeb mebJe&ve kejvee eeefnS.`'

Businesses should respect and promote human rights
1. keee kebheveer keer ceeveJeeefOekeej veerefle kesJeue kebheveer mes mecye nw ee

FmeceW mecetn/mebege Gece/ Deehete|lekelee&/mebefJeoekeej/SvepeerDees/ Deve
Meeefceue nQ?

yeQke keer ceeveJeeefOekeej veerefleeeB hele#e ee hejes#e he mes kesJeue yeQke heefjeeueve mes ner
mecye nQ Deewj es Deveg<ebefieeeW hej ueeiet veneR nesleer.
yeQke Fme leLe mes Deer lejn mes heefjefele nw efke meYeer Jeefe mJeleb$e SJeb meceeve nQ Deewj
Does the policy of the company on human rights JeefeeeW kes ceewefueke DeefOekeejeW kee mecceeve DeJeMe nesvee eeefnS. yeQke Ssmeer veerefleeeW kee
cover only the company or extend to the Group / Joint DevegmejCe kejlee nw efpememes jeêre cetue, veeieefjkelee, jbie, peeefle, efJeeeme, Oece&, hetJe&peeW,
Ventures / Suppliers / Contractors / NGOs / Others?
JewJeeefnke eqmLeefle, eEueie, Dehebielee, Gce, eewve GvcegKelee, pevce mLeeve, meeceeefpeke eqmLeefle,
ee efveece efJe Deve efkemeer DeeOeej hej hele#e ee hejes#e he mes he#eheele ve nes.
keee&mLeue hej ceeveJeeefOekeej mebyebOeer Yeejleere mebefJeOeeve kes leLeeW SJeb Debleje&êre efveeceeW
kees yeQke Deer lejn mecePelee nw. yeQke meie"veeW keer Deepeeoer SJeb hejmhej menceefle kee
mecceeve kejlee nw.
eewve Glheer[ve keer jeskeLeece
keee&mLeue hej eewve Glheer[ve kee yeQke efve<esOe kejlee nw. keee&mLeue hej eewve Glheer[ve
keer jeskeLeece kes efueS mesJee MeleeX ceW mecegefele heeJeOeeve nw. leovegmeej, yeQke ves keee&mLeue
hej ceefnuee kece&eeefjeeW mes mebyeeqvOele ceeceueeW kees osKeves kes efueS kee@heexjs mlej hej Ghe
ceneheyebOeke mlej keer cegKe ceefnuee mebheke& DeefOekeejer keer efveegefe keer nw.
meYeer 13 DebeueeW ceW, ceefnuee kece&eeefjeeW mes mebyeeqvOele efMekeeeleeW hej lJeefjle SJeb lelhejlee
mes keejJeeF& kejves kes efueS Ske ceefnuee mebheke& DeefOekeejer keer JeJemLee nw. Fve ceefnueeDeeW
kees ceefnuee kece&eeefjeeW mes mebyeeqvOele efMekeeeleeW kees mebYeeueves kes efueS meceLe& yeveeves nsleg
DeeJeefOeke heefMe#eCe efoes pee jns nQ. ceefnuee kece&eeefjeeW mes mebyeeqvOele ceeceueeW, Gvekes
DeefOekeejeW SJeb eewve Glheer[ve mes jeskeLeece kes cenlJe SJeb Fmekeer mebJesoveMeeruelee hej
ueieeleej yeue efoee pee jne nw. ceefnuee kece&eeefjeeW kes ueeYe, DeefOekeej, eewve Glheer[ve mes
jeskeLeece, meJeexe veeeeuee kes efoMee efveoxMe SJeb GvnW ueeiet kejves kes efueS yeQke mecee
mecee hej heefjhe$e peejer kej mesJee MeleeX kes efveeceeW kees ueeiet kejlee nw.
yeQke JewyemeeF kes ceeOece mes metevee kees pevelee leke hengbeevee
yeQke Deheves GlheeoeW/mesJeeDeeW/ pevelee kes efueS GheueyOe megefJeOeeDeeW keer Deeleve peevekeejer /
keesF& Deve metevee pees meeJe&peefveke keer pee mekeleer nw, heeqyueke [escewve ceW jKelee nw. Ske
DeefOemetefele kebheveer nesves kes veeles meeJe&peefveke metevee kes efueS yeQke Deheves efJeeere heefjCeece
kees heeqyueke [escewve ceW heoe|Mele kejlee nw.
metevee kee DeefOekeej DeefOeefveece, 2005 ceW oer ieF& meeJe&peefveke heeefOekejCe keer heefjYee<ee
kes Devegmeej yeQke Ske meeJe&peefveke heeefOekejCe nw Deewj FmeerefueS meJe& meeOeejCe kees metevee
GheueyOe kejeves kes efueS yeeOe nw.
efMekeeeleeW kee efveheeje
ieenke efMekeeele kees MeerIelee mes efveheeves nsleg ieenke efMekeeele efveheeve heCeeueer kees
cepeyetle kejves kes efueS yeQke ves keF& keoce G"eS nQ. Fveces mes Ske nw ceeveke peve efMekeeele
efveJeejCe heCeeueer (SmeheerpeerDeejSme). ieenke efMekeeele efveheeve kes efueS en Ske Jesye
DeeOeeefjle ceew[etue nw. eeefhe, yeQke ieenkeeW kes DeefOekeej kee mecceeve kejlee nw, efHej Yeer
eefo Jes Deheveer efMekeeele kes efveheeS peeves mes mebleg veneR nQ lees DeejyeerDeeF& keer ueeskeheeue
eespevee, 2006 kes Debleie&le jepeeW keer jepeOeeefveeeW ceW eqmLele yeQeEkeie ueeskeheeue mes mebheke&
kej mekeles nQ.
The Banks various policies protecting the Human Rights, directly
or indirectly, cover only the operations of the Bank and do not
extend to its subsidiaries etc.
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The Bank is well conscious of the fact that all human beings are
free and equal, and that the basic human rights of individuals
must be respected. The Bank follows such policies that, directly
or indirectly, do not discriminate on the basis of national origin,
citizenship, color, race, belief, religion, ancestry, marital status,
gender, disabilities, age, sexual orientation, place of birth, social
status, or any other basis prohibited by the law.
The Bank understands well the Human Rights content of the
Constitution of India and other international laws on Human Rights
at the work place. The Bank respects the freedom of associations
and the right to collective bargaining.
Prevention of Sexual Harassment
The Bank prohibits sexual harassment at the work place. In the
Service conditions, there are clauses exclusively for prevention
of sexual harassment at workplace. Accordingly, for addressing
issues related specifically to women employees in work places,
the Bank has appointed Chief Lady Liaison Officer in the rank of
Deputy General Manager at the Corporate office level.
At each of the 13 zones, there is one lady liaison officer to ensure
prompt and expeditious redressal of the grievances of women
employees. These ladies are given periodical training to equip
themselves to handle grievance of women employees effectively.
There are regular reinforcements regarding sensitivity and
importance of matters relating to women employees, their rights and
prevention of Sexual Harassment. The Bank issues circulars from
time to time reinforcing service condition rules, benefits to women
employees, rights of women employees, prevention of Sexual
Harassment, guidelines issued by Supreme court of India and their
implementation.
Dissemination of Information to public through the Banks web site
The Bank places up-to-date information about its Products /
Services / Facilities available to public/any other information,
which can be disclosed, in public domain. Being a listed company,
the Bank displays its financial results in the public domain for
information to the public.
Bank of Baroda is a Public Authority, as per definition of Public
Authority in the Right to Information Act, 2005, and, thus, is under
obligation to provide the information to members of public.
Redressal of Complaints
The Bank has taken several measures to strengthen the customer
complaint redressal machinery for fast disposal of customer
complaints. One of such measures being Standardized Public
Grievances Redressal System (SPGRS), a web based online
customer complaint redressal module. However, the Bank
respects the right of the customers, in case they are not satisfied
with the redressal of their complaints, to approach The Banking
Ombudsman located in State Capitals under RBI Ombudsman
Scheme 2006.
2. efJeiele efJeeere Je<e& kes oewjeve efkeleves efnleOeejkeeW mes efMekeeeleW heehle ngF& efJeeere Je<e& kes oewjeve eewve Glheer[ve mes mebyeeqvOele Ske efMekeeele heehle ngF& efpemes efyevee
nQ Deewj efkeleves heefleMele kees heyebOeve eje meblees<ehetCe& {bie mes efveheeee mecee iebJeeS meblees<ehetCe& {bie mes efvehee efueee ieee.
There was one complaint filed on Sexual Harassment during the
ieee.
How many stakeholder complaints have been financial year which was satisfactorily resolved.
received in the past financial year and what percent
was satisfactorily resolved by the management?
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`'JeJemeee kees heee&JejCe kee mecceeve, mebj#eCe SJeb Hegveej kejvee eeefnS''
Business should respect, protect, and make efforts to
restore the environment
1. keee kebheveer keer efmeevle 6 mes mebyeeqvOele veerefle kesJeue kebheveer kees keJej en veerefle kesJeue yeQke kees keJej kejleer nw.
The policy covers the Bank only.
kejleer nw ee FmeceW mecetn/mebege Gece/ Deehete|lekelee&/ mebefJeoekeej/
SvepeerDees/ Deve Meeefceue nQ?

Does the policy related to Principle 6 cover only the

company or extends to the Group/Joint Ventures /
Suppliers/ Contractors/ NGOs/ others.
2. keee kebheveer kes heeme Yetceb[ueere JeeleeJejCe mebyebOeer ceeceueeW pewmes JeeleeJejCe peer neB
ceW heefjJele&ve, Yetceb[ueere leehe Je=e
f Fleeefo kes efueS jCeveerelf e nw/ kebheveer ves ke) yeQke keer Iejsuet $e+Ce veerelf e kes Devegmeej heee&JejCe kees neefve hengb eeves JeeueeW GeesieeW kees yeQke $e+Ce
veneR oslee nw pewmes Deesp] eesve kees #eefle hengB eeves Jeeues heoeLe& eLee-Heesce Glheeove, jseHf epejsj
keoce G"eS nQ? Deiej neB, lees Jesye hespe Fleeefo kes efueS neeHejeEueke oW.
SJeb Sej keb[erMevej, Ssjesmeesue Glheeove, meHeeF& Jeeues efJeueeekeeW ceW Gheeesie keer pee jner
Does the company have strategies/initiatives
ke
ueesjesH] eueesjes keeye&ve (meerSH] emeer 11, 12, 113 & nwueeWme 1211, 1301, 2402)
to
address global environmental issues such as
Ke)
$
e+Ce
hemleeJeeW kee cetueebkeve kejles mecee yeQke heee&JejCe Devegketue nefjle heefjeespeveeDeeW
climate change, global warming, etc? If yes, please
kees cenee SJeb heeLeefcekelee oslee nQ leeefke keeye&ve esef[ kees ye{eJee efceues pewmes heJeve
give hyperlink for webpage etc.
ekekeer/meewj Tpee& heefjeespevee Fleeefo.
ie) efJe<ewues heot<eke Glmepe&ve Jeeueer efvecee&Ce FkeeFeeW kes ceeceueeW ceW, Ssmes heot<ekeeW kees
JeeleeJejCe ceW es[ves mes henues Fmekes hemebmkejCe kes efueS peue heMeesOeve heCeeueer keer
mLeehevee hej ]peesj oslee nw Deewj megefveeqele kejlee nw efke $e+Cekelee& ieenke ves kesvere/
jepe heot<eCe efveeb$eCe yees[& mes Deveeheefe heceeCe he$e heehle kej efueee nw.
Ie) yewkb e kes mLeehevee efokeme pewmes efkeMes<e ceewkeesb hej ke=#eejesheCe pewmes efkeMes<e DeefYeeeve eueeS peeles
nw.b iueesyeue keeefce&ib e pewmes hee&ekejCe cemeueesb hej peeiekelee Hewueeves keer ef< mes yewkb e mketueer
yeeesb kes efueS keeo-efkekeeo heelf eeeseif elee, efveyevOe heelf eeeseif elee, efe$ekeuee heelf eeeseif elee Deeefo
Deeeesepf ele kejlee nw Deewj efkepesleeDeesb kees mecegef ele he mes hegjmke=le kejlee nw.
[) mLeekej mecheoe heefjeespeveeDeesb kees efkelle heesef<ele kejles mecee yewbke Gve heefjeespeveeDeesb
kees efkelle heesef<ele kejlee nw pees je<êre Yekeve kees[ 2005 kes efoMeeefveo&sMeesb kee heeueve
kejleer nwb, HeeF& SMe Glheeoesb kee Gheeesie kejleer nwb Deewj yeeefjMe kes heeveer kees Skeef$ele
kejleer nwb. yewbke Ssmeer heefjeespeveeDeesb kees heeLeefcekelee oslee nw pees Deheveer Tpe&e mecyevOeer
pejleesb kees hetje kejves kes efueS meewj Tpe&e kee heeesie kejleer nwb.
e) yewbke ves Deheveer MeYeer MeeKeeDeesb / keee&eueeesb kees efveo&sMe efoS nwb efke kes GOeejkele&eDeesb,
efkeesleeDeesb Deeefo kees Yegieleeve keskeue Sve.F&.SHe.er / Deej.er.peer.Sme. kes ceeOece
mes ner kejsb Deewj Fme hekeej keeiepe keer yeele kejsb.
) meHe kesleve Deewj Deve ueeYeesb kee Yegieleeve kejves, ger cebpetj kejves, keee&efve<heeove
cetueebkeve Deeefo kes efueS yewbke kes heeme Dee@veueeF&ve hewkespe nw efpemekes keejCe yewbke
Deheveer keeiepe keer Kehele cesb keceer kejlee nw.
pe) yewbke ves efjsue $e+Ceesb kes cetueebkeve kes efueS SueSheerSme heefle efeeebefkele keer nw.
keeshe&esjs $e+Ceesb kes efueS Yeer yewbke Dee@veueeF&ve hewkespe Meg kejves keer heefeee cesb nw.
Pe) nefjle henue kes he cesb yewkb e ves Ske heelf eefle kecheveer keer meskeeSb ueer nwb pees ke=#eejesheCe kes
keee& cesb ueieer nw efpemekes eje keeshe&ejs s md e Deewj keefeiele Dee@veueeF&ve megekf eOee kes peefjS
meeke&peefveke Yetecf e hej ke=#eejesheCe kej mekeles nwb Deewj keefeiele mevosMe kes meeLe F&-heceeCe
he$e kes eje Ssmes ke=#eesb kees efkemeer kees Yeer Yesb kej mekeles nw.b yewkb e ves 463 ke=#e jesehf ele
efkeS Deewj Fleveer ner mebKee cesb keeshe&ejs s keee&euee keer efkeefpe kejves keeues cenlkehetCe& ueesieesb
kees Deewj Deheves kece&eeefjeesb kees Gvekes pevceefokeme hej F&-heceeCe he$e peejer efkeS.
_) yewkb e ves meceefhe&le he mes nefjle Yekeveesb kees keee&eeb kf ele efkeee nw. yewkb e ves keejeCemeer Deewj peehegj
cesb Yekeveesb kee efvece&eCe efkeee pees DeleeOegevf eke lekeveerke leLee heCeeueer mes megmeefppele nwb Deewj
Fvecesb Tpe&e efkeHeeeleer GhekejCeesb kee eeve, ke<e&e kes heeveer kes mebienCe keer heefle kes heekeOeeve,
meewj Tpe&e kes Gheeesie pewmes nefjle Yekeve efveeceesb kee heeueve efkeee ieee nw Deewj Fvekes efvece&eCe
cesb Fkees-He[bs ueer meeceieer kee heeesie efkeee ieee nw leeefke mete& kes hekeeMe leLee leepeer nkee kee
DeefOekelece Gheeesie efkeee pee mekes. peehegj cesb nceves yeee ueeF&ef ib e, msejkesme ueeF&ef ib e
Deewj yesmecesb ueeF&ef ib e kes efueS 5 keskeer meesuej hewveue mLeeefhele efkeee nw. Fvoewj efmLele
efjneeMeer me keekemeeefeke Yekeve kee efvece&eCeeOeerve keee& Fbe[f eve ieevr e efyeefu[bie keeGbmeefuebie
(DeeF&peeryeermeer) (ieesu[ jsef ib e) kes ceevekeesb kes Deveghe efkeee ieee nw. Yekeve kee yeee ngDee
efvece&eCe keee& Yeer DeeF&peeryeermeer efveeceesb kes Devegmeej efkeee peeSiee.
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) yewbke ves keF& Gheee efkeS nwb pewmes Tpe&e efkeHeeeleer Sej nwb[ueme& kee keee&ebkeeve, Sej
keb[erMeefvebie hueeb kee DeefOekelece Gheeesie, leeheceeve Deewj oyeeye keer jereue eFce
cee@veerefjbie, Tpe&e efkeHeeeleer DeeF&.er. GhekejCe eeve, vetvelece Tpe&e keer neefve,
kegMeue meerSHeSue Deewj SueF&[er ueeFefbie, Fbsueerpesb ueeFefbie kebêsue, vetvelece neefve
kes efueS neF&- Lece&ue FbMetuesMeve, meewj Tpe&e ege etheerSme, MeeKeeDeesb cesb efLeve keueeFb
Deewj meskeeDeesb kee DeeYeemeerkejCe
Yes
a) As per the Banks Domestic Loan Policy, the Bank is not
extending any finance to the environmental hazardous
industries viz. Industries using Ozone Depleting Substances
such as Chlorofluoro carbon CFC-11,12,113 & Halons-1211,
1301, 2402 being used in Foam Products, Refrigerators & Airconditioners, Aerosol products, Solvents in cleaning.
b) While appraising the credit proposal, the Bank gives due
weightage and preference to the environment friendly green
projects which earn the carbon credits such as Wind Mills/
Solar Power projects.
c) In case of manufacturing units, emitting toxic pollutants, the
Bank insists upon installation of water treatment projects
for processing of such pollutants before release into the
environment and ensures that the borrower client also obtains
NOC from Central/State Pollution Control Board.
d) On special occasions like the foundation day of the Bank, special
drives like plantation of trees are conducted. With a view to spread
awareness on environmental issues like global warming, the Bank
conducts debates, essay competitions, painting competitions etc.
of school children & suitably rewards the winners.
e) While financing the Real estate projects, the Bank finances
the projects following the guidelines of National Building Code
2005, use fly ash products and harvest rain water. The Bank
gives preference to the projects harnessing solar energy to
meet the energy needs.
f) The Bank has directed all its branches/offices to make payment
to borrowers, vendors etc. only through NEFT/RTGS, thereby
saving paper.
g) The Bank has online package for payment of staff salary &
other benefits, sanction of leave, performance appraisal etc
thereby reducing the paper consumption.
h) The Bank has implemented LAPS system for appraisal of retail
loans. For corporate Loans also, the Bank is in the process of
launching the online package.
i) As a part of green initiative Bank has availed the services of
a reputed company that is engaged in planting trees whereby
corporates/ individuals can plant trees in public lands through
the online facility and dedicate such trees to greet or honour
someone by means of an e-certificate with the personalized
message. The Bank had planted 463 trees and issued
equivalent e-certificates to important dignitaries visiting its
Corporate Office and also employees on their birthdays.
j) The Bank has implemented green building norms in a dedicated
fashion. Bank has constructed buildings at Varanasi and Jaipur
equipped with ultra modern gadgets and systems as per green
building norms like selection of energy efficient equipments,
provision of rain water harvesting system, utilization of solar
energy and using eco- friendly materials for the construction etc.
Orientation of the buildings was selected so as to have optimum
utilization of sun-light & fresh air. At Jaipur we have installed 5 KW
Solar panel for external lighting, staircase lighting and basement
lighting. Ongoing construction of residential cum commercial
building at Indore is done as per the standards of Indian Green
Building Council (IGBC) (Gold rating). All up-coming construction
of the building shall also be undertaken as per the IGBC norms.
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k) The Bank has taken measures like implementation of energy

efficient air handlers, air conditioning plant optimization, real
time monitoring of temperature and pressure, energy efficient
IT equipment selection, minimize power loss, energy efficient
CFL and LED lighting, intelligent lighting control, high thermal
insulation to minimize losses, solar powered UPS, thin clients
at branches and virtualisation of servers.
3. keee kebheveer Heee&JejCe mebYeeefJele peeseKf ece kees efeeqvnle/ Deekeueve kejleer nw?
peer neB, erF&Jeer (lekeveerke-Deee|Leke-JeJenee&lee) DeOeeve SJeb heefjeespevee cetueebkeve ceW,
Does the company identify and assess potential heee&JejCe mebyebOeer peesefKece kees kece efkeS peeves kees yeQke Gefele cenlJe oslee nw. cebpetjer
environmental risks?
mebyebOeer efveCe&e cegKele: heefjeespevee keer JeJenee&lee hej efveYe&j jnles nQ. SmeSceF& jsefbie
cees[etue ceW yeQke 5 yeesveme Debke heee&JejCe eW[ueer GeesieeW kees oslee nw.
Yes, in the TEV (Techno-Economic-Viability) study/project
appraisal, the Bank gives due weightage to the mitigation of
Environmental Risks. The sanction decisions are mainly dependent
upon the viability of the projects. In SME rating module, the Bank
gives 5 Bonus marks to environment friendly industries
4. keee kebheveer kes heeme mJelee efJekeeme heCeeueer mebyebOeer keesF& heefjeespevee keeiepe jefnle yeQeEkeie kees ye{eJee osves kes efueS yeQke ves efJeefYeVe lekeveerkeer henueW keer nQ.
nw? Deiej nw lees, ueieYeie 50 MeyoeW ceW Fmekee efJeJejCe oW. Deewj, eefo neB hemleeJeeW keer mJeerke=efle kes mecee, keeiepe jefnle yeQeEkeie kees ye{eJee osves kes efueS yeQke F&lees, keee heee&JejCe mebyebOeer Devegheeueve efjhees& hemlegle keer ieF& nw?
JeJemeee efoMee efveoxMeeW kee Devegheeueve lee/efveOee&efjle kejlee nw. ]peeoelej SerSce jefnle
Does the company have any project related to Clean #es$eeW ceW yeQke SerSce keer mebmLeehevee hej ]peesj oslee nw efpemes ee$ee ceW mecee Je hesêsue/
Development Mechanism? If so, provide details [erpeue keer Kehele kece nesleer nw Deewj heee&JejCe kees mJe yeveeS jKeves ces ceoo efceueleer nw.
thereof, in about 50 words or so. Also, if Yes, whether

The Bank has taken various technological initiatives to promote
any environmental compliance report is filed?
paperless banking. While sanctioning proposals, the Bank
stipulates compliance with e-business guidelines to promote
paperless banking. The Bank also gives the old stationary for
destruction only to the recycling units. The Bank is focusing on
increasing installation of ATMs mostly in the uncovered areas,
thereby, reducing the time and Petrol/Diesel consumption in
travelling and helping in maintaining clean environment.
5. keee kebheveer ves heot<eCe jefnle lekeveerkeer, Tpee& o#elee, veJeerkejCeere yeQke keer Ssmeer keesF& hele#e heefjeespevee veneR nw uesefkeve yeQke ves keF& meewj Tpee&, pewJe FOeve,
Tpee& Fleeefo kes efueS keesF& henue keer nw. eefo neB, lees Jesye hespe Fleeefo ueIeg peue SJeb heJeve Meefe heefjeespeveeDeeW kees efJeeheesef<ele efkeee nw. heee&JejCe Devegketue
kes efueS neeHejeEueke oW.
veJeerkejCeere Tpee& heefjeespeveeDeeW kes efJeehees<eCe kees yeQke heeLeefcekelee oslee nw.

Has the company undertaken any other initiatives

on - clean technology, energy efficiency, renewable
energy, etc. If yes, please give hyperlink for web
page etc.
The Bank has no such direct project but the Bank has financed
many Solar Power, Biomass, Small Hydro & Wind Power Projects.
The Bank gives priority in financing environment friendly renewable
energy projects.
6. keee Deeueese efJeeere Je<e& kes efueS kebheveer kee DeJeefMe Glheeove/
Glmepe&ve meerheermeeryeer/ Smeheermeeryeer eje Devegcele meercee kes Yeerlej nw?

yeQke mesJee Geesie kes Debleie&le Deelee nw Deewj FmeefueS keesF& efJe<ewues/Kelejveeke heot<eke kee
Glmepe&ve veneR kejlee nw. leLeeefhe, efvecee&Ce FkeeFeeW kee efJeehees<eCe kejles ngS heot<eCe
Are the Emissions/Waste generated by the company efveeb$eCe yees[& mes Deveeheefe heceeCe he$e uesvee yeQke keer heeLeefceke MeleeX ceW mes Ske nw.
within the permissible limits given by CPCB/SPCB for heee&JejCe mebyebOeer Devegheeueve kees yeQke hecegKe mJeerke=efle MeleeX ceW jKelee nw.
the financial year being reported?
The Bank is in service industry and, therefore, does not emit any toxic/
hazardous pollutants. However, while financing to manufacturing
units, obtaining NOC from Pollution Control Boards is one of the
Banks primary conditions. The Bank stipulates Environmental
compliance as one of the main conditions of sanction.
7. efJeeere Je<e& kes Deble ceW meerheermeeryeer/Smeheermeeryeer mes heehle uebefyele (DeLee&le Fme lejn kee keesF& GoenjCe veneR nQ.
meblees<epeveke he mes veneR efveheeS ieS) keejCe yeleeDees/efJeefOeke veesefme No such instance.
keer kegue mebKee

Number of show cause/ legal notices received from

CPCB/SPCB which are pending (i.e. not resolved to
satisfaction) as on end of Financial Year.
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`'JeJemeee peye pevelee SJeb efveeeceke veerefleeeW kees heYeeefJele kejlee nes lees Fmes
ef]peccesoejer hetJe&ke mecheVe efkeee peevee eeefnS''.
Businesses, when engaged in influencing public and
regulatory policy, should do so in a responsible manner
1. keee Deehekeer kebheveer efkemeer ^s[ Deewj eQyej ee mebie"ve keer meome nw? peer neB,
eefo neB, lees GveceW mes hecegKe kee veece efpevekes meeLe Deehekee JeJemeee 1. Yeejleere yeQke mebIe (DeeF&yeerS)
mecye nw?
2. Yeejleere yeQeEkeie Deewj efJee mebmLeeve (DeeF&DeeF&yeerS]He)
Is your company a member of any trade and chamber 3. yeQeEkeie keee|ceke eeve mebmLeeve (DeeF&yeerheerSme)
or association? If Yes, Name only those major ones
4. jeêre yeQke heyebOe mebmLeeve (SveDeeF&yeerSce)
that your business deals with.
5. Fbef[eve ceexv eQyej (DeeF&Scemeer)
6. ceneje^ Deee|Leke efJekeeme heefj<eo (SceF&[ermeer)
7. Yeejleere JeeefCepe Deewj Geesie ceC[ue heefjmebIe (S]HeDeeF&meermeerDeeF&)
8. Gemlejere efJeeere DevegmebOeeve leLee DeOeeve keW (meerSS]HeDeejSSue)
9. Yeejleere jeêre Yegieleeve efveiece (SveheermeerDeeF&)
10. Yeejleere meceeMeesOeve efveiece efueefces[ (meermeerDeeF&Sue)
11. o DemeesefmeSs[ eWyeme& Dee@He kee@ceme& Sb[ Fb[mêr Dee@He Fbef[ee
(SSmeSmeDeesmeerSeSSce)
12. eqmJeHe FbjvesMeveue yeQeEkeie Dee@hejsMeve mesefceveej (SmeDeeF&yeerDeesSme)
Yes.
1. Indian Banks Association (IBA)
2. Indian Institute of Banking & Finance (IIBF)
3. Institute of Banking Personnel Selection (IBPS)
4. National Institute of Bank Management (NIBM)
5. Indian Merchant Chamber (IMC)
6. Maharashtra Economic Development Council (MEDC)
7. Federation of Indian Chambers of Commerce and Industry
(FICCI)
8. Centre for Advanced Financial Research and Learning
(CAFRAL)
9. National Payments Corporation of India (NPCI)
10. The Clearing Corporation of India Ltd (CCI)
11. The Associated Chambers of Commerce and Industry of
India (ASSOCHAM)
12. Swift International Banking Operations Seminar (SIBOS)
2. keee Deeheves Ghejese mebie"veeW kes ceeOece mes meeJe&peefveke efnle keer
heieefle/megOeej kes efueS meceLe&ve/heeej efkeee nw. eefo neB, lees hecegKe #es$e
efJeefvee|o kejW pewmes Meemeve heCeeueer Deewj heMeemeve, Deee|Leke megOeej,
meceie efJekeeme veerefleeeB, Tpee& megj#ee, Keee megj#ee, oerIe&keeefueke
JeJemeee efmeevle, Deve
Have you advocated/lobbied through above
associations for the advancement or improvement
of public good? If yes, specify the broad areas
such as Governance and Administration, Economic
Reforms, Inclusive Development Policies, Energy
security, Water, Food Security, Sustainable Business
Principles, Others)
170
osMe kes efJeMeeuelece JeeefCeeqpeke yeQkeeW ceW mes Ske nesves kes veeles yeQke veerefle efveOee&jkeeW SJeb
veerefle efveOee&jke mebie"veeW, pees yeQeEkeie Geesie keer keee&heefle Deewj efveeb$eCe mebyebOeer veerefleeeW,
ceewefke veerefle, efJeeere meceeJesMeve mebyebOeer veerefleeeW leLee yeQeEkeie Geesie kes oerIe&keeefueke
efJekeeme mes heYeeJeer he mes mecye nw.
Bank being one of the largest commercial banks in the country
works closely with policymakers and policy-making associations,
especially in evolving the policies that govern the functioning
and regulation of the banking industry, monetary policy, financial
inclusion related policies, and sustainable development of the
banking industry.
2013-14
``JeJemeee mes meceie Je=ef leLee meceeve efJekeeme kees yeue efceuevee eeefnS''.
Businesses should support inclusive growth and equitable

development
1. keee kebheveer kes heeme efmeevle 8 mes mebyeeqvOele veerefleeeW kee DevegmejCe meceepe keer meceie Je=ef leLee meceeve efJekeeme kes efueS yeQke ves keF& keee&ece/heefjeespeveeSb/
kejves kes efueS efJeefvee|o keee&ece/henue/ heefjeespevee nw. eefo neB, lees henue kejves kee heeeme efkeee nw.
Fmekee efJeJejCe oW.
efJeJejCe efvecvehekeej mes nw:
Does the company have specified programmes/ meceie efJekeeme kes efueS yeQke ves Jenve kejves eesie ueeiele hej yeQke jefnle ieeceerCe #es$eeW ceW
initiatives/projects in pursuit of the policy related to yeQeEkeie mesJeeSb GheueyOe kejJeeves nsleg efJeeere meceeJesMeve heefjeespevee ueeiet keer nw Deewj meceeve
Principle 8? If yes, details thereof.
efJekeeme kes efueS Fmes cegKe Deee|Leke Oeeje mes pees[e nw. Fme Jeie& keer DeeJeMekeleeDeeW kees
osKeles ngS yeQke ves efJeMes<e Glheeo leweej efkeS nQ pewmes yeele men Deblee|veefnle DeesJej[êHe
megefJeOee, ueeerueer DeeJeleea pecee, ye[ewoe efkemeeve esef[ kee[&, ye[ewoe meeceeve esef[ kee[&
leLee ieeceerCe mecegoee keer DeeJeMekelee kees osKeles ngS kece heerefceece hej yeercee Glheeo.
DeeJebefle ieeBJeeW ceW yeQeEkeie mesJee GheueyOe kejJeeves kes efueS yeQke ves DeeF&meerer DeeOeeefjle yeermeer
cee@[ue, ceesyeeFue Jewve leLee efyeke SJeb cees&j MeeKee cee@[ue ueeiet efkeee nw.
yeQke ves Deye leke efJeefYeVe cee@[ueeW kes Debleie&le 14,161 ieeBJeeW kees keJej efkeee nw efpemeceW
12,178 yeermeer cee@[ue kes Debleie&le, 1,772 Yeewefleke MeeKeeDeeW SJeb 211 ieeBJe ceesyeeFue Jewve
eje keJej efkeS ieS nQ. yeQke ceW 74.66 ueeKe cetue yeele yeQke pecee Keeles Keesues ieS nQ
efpeveceW mes 18.71 ueeKe Keeles JeJemeee heefleefveefOe DeefYekelee&DeeW kes ceeOece mes Keesues ieS
nQ. 11.41 ueeKe ieenkeeW ves kesmeermeer megefJeOee heehle keer nw efpemeceW kegue yekeeee Mes<e jeefMe
`.12,081.27 kejes[ nw. 0.04 ueeKe ieenkeeW ves peermeermeer megefJeOee heehle keer nw efpemeceW kegue
yekeeee Mes<e jeefMe `.53.87 kejes[ nw.
yeQke kes mesJee #es$e ceW ueieYeie 21,526 ieeBJe Deeles nQ Deewj Mes<e ieeBJeeW kees efJeefYeVe cee@[ueeW kes
lenle Deieues leerve Je<e& DeLee&le ceee& 2016 leke keJej kejves kes efueS ejCeye eespevee leweej
keer nw. Fmekes DeueeJee, henues ner leweej efkeS ieS DeeOeejYetle {ees Deewj efJeeere meceeJesMeve
ieefleefJeefOeeeW ceW DeeF& ieefle kes meeLe yeQke efYeVe-efYeVe ekeej kes efJeeere meceeJesMeve hueeve kes
ue#eeW kees 31.3.2016 leke eehle kejves keer efmLeefle ceW nesiee.
The Bank has undertaken several initiatives/programmes/projects in

pursuit of inclusive growth and equitable development of the society.
Details are as under:
The Bank has implemented Financial Inclusion project to provide
banking service in un-banked rural areas with affordable cost to
the rural masses and covered them in main economical stream for
inclusive growth. Considering the need of the segment, bank has
devised special products such as Savings cum inbuilt Overdraft
facility, Flexible Recurring Deposit, Baroda Kisan Credit Card,
Baroda General Credit Card and Insurance product with low
premium to cater the need of rural masses. Bank has implemented
ICT based BC model, Kiosk Banking model, Mobile Van and Brick &
Mortar branches models to provide banking services in the service
villages allocated to the bank.
Bank has covered 14,161 villages through various models out of
which 12,178 are covered through BC model, 1,772 through brick and
mortar branches and 211 through mobile van. The Bank has opened
74.66 lakh Basic Savings Bank Deposit Accounts out of which 18.71
lakh accounts were opened through the Business Correspondent
Agents. About 11.41 lakh customers availed KCC facility having
balance outstanding Rs. 12,081.27 crore. About 0.04 lakh customers
availed GCC facility having balance outstanding Rs. 53.87 crore.
The Bank has approximately 21,526 villages in its service area and
planned to cover all remaining villages in a phase manner within
three years i.e. by March 2016 through various models. Moreover,
with the infrastructure being already laid and the momentum that
has gathered in Financial Inclusion activities, the Bank would be in
a position to achieve the Disaggregated Financial Inclusion Plan
targets up to 31.03.2016.
171
2013-14
2. keee en keee&ece/heefjeespevee Deebleefjke erce/Deheveer mebmLee/yeenjer efJeeere meceeJesMeve eespevee Deebleefjke erce keer ceoo mes eueeeer peeleer nw. yeQke ves Fme
SvepeerDees/mejkeejer mebjeveeDeeW/Deve efkemeer mebie"ve kes ceeOece mes GsMe kes efueS he=Leke efJeYeeie keer mLeehevee keer nw efpemekes heYeejer ceneheyebOeke nQ.
eueeee peelee nw?
The Financial Inclusion Project has been undertaken by the in-
Are the programmes/projects undertaken through house team. The Bank has set up a separate department headed
in-house team/own foundation/external NGO/ by General Manager for this purpose.
government structures/ any other organization?
3. keee Deeheves keYeer Deheves henueeW kes heYeeJeeW kee cetueebkeve efkeee nw ?
peer neb, eqJeeere meceeJesMeve kee GsMe meceepe kes Gme leyekes kees kece ueeiele hej yeQefkebie
Have you done any impact assessment of your mesJeeSb GheueyOe kejevee nw, pees Deye leke Gvemes Jebefele jns nQ. Fme ekeej yeQke jefnle
initiative?
pevemebKee kees Deewheeeefjke efJeeere #es$e ceW ueeee pee mekesiee. cetue yeele eespevee kes
Debleie&le mecetes osMe ceW ueieYeie 74.66 ueeKe Keeles Keesues ieS nQ, efpemeceW mes 18.71 ueeKe
Keeles JeJemeee heefleefveefOeeeW kes ceeOece mes Keesues ieS nwb. en cenmetme efkeee ieee nw efke
yeele kes efueS yeQke Keeles pewmee efJeemeveere eesle/peefjee efceueves hej, Jes ueesie pees henues
yeele veneR kej heeles Les Deye hewmee yeeeves keer Deeole [eue jns nQ.
Fme leLe kees Fme yeele mes Yeer osKee pee mekelee nw efke meerefcele megefJeOee Jeeues (vees
efHeue) KeeleeW ceW kegue Deewmele efveefOe ueieeleej ye{ jner nQ. nceejs yeQke kes heeme efoveebke
31.03.2014 kees en efveefOe ueieYeie `.1,918 kejes[ Leer. yeQke KeeleeW keer megefJeOee kes
DeYeeJe ceW ee lees en efveefOe cegKe Oeeje yeQeEkeie ceW veneR Deeleer ee efHej GheYeesie kes he
ceW Jee nes peeleer. JeJemeee heefleefveefOe eje Keesues ieS KeeleeW ceW efJeeere Je<e& kes oewjeve
kejerye 33.23 ueeKe uesve-osve ngS nQ efpeveceW `.525.56 kejes[ jeefMe eesmesme ngF&, pees en
oMee&lee nw efke ueesieeW ves yeQeEkeie megefJeOee kee Gheeesie Meg kej efoee nw.
yeQke ves efJeeere meceeJesefMele ieenkeeW kees keeHeer cee$ee ceW $e+Ce Yeer efoS nQ. Fveefyeu
DeesJej[êHe megefJeOee keer GheueyOelee mes ve kesJeue Gvekees Deemeeveer ngF& nw yeequke Oeerjs-Oeerjs
Jes efvepeer $e+CeoeleeDeeW keer heke[ mes yeenj Dee jns nQ.
Dele: en yeele keer Deeole hej mekeejelceke eYeeJe Deewj ueesieeW kes mecee efJekeeme kees
oMee&lee nw pees Deye leke Fmemes yeenj Les Deewj efpevneWves efJeeere cegKe Oeeje ceW neue ner ceW
MegDeele keer nw.
Yes, the Financial Inclusion plan aims at providing banking
services at affordable costs to those segments of society who are
deprived of it so far thereby bringing the un-banked population
into the formal financial sector. About 74.66 lakh accounts opened
under Basic Savings Bank Deposit Schemes across the country.
Out of which, 18.71 lakh accounts are opened through Business
Correspondents. It is observed that after getting the reliable
sources for saving of their surplus funds like bank accounts, the
people who were earlier not able to save have started developing
habits of saving money. It can be seen from the fact that average
aggregate funds in no-frill accounts are continuously increasing.
As on 31.03.2014, these funds were around Rs 1,918 crore with
the Bank. In the absence of bank account facility, these funds either
would not have brought in mainstream banking or would have been
lost in consumption. About 33.23 lakh transactions amounting to
Rs 525.56 crore have been processed during the financial year in
the accounts opened through Business correspondents, thereby
indicating that these people have started using banking facilities.
The Bank has also lent substantial amount to Financial Inclusion
customers. The availability of in-built overdraft facility is not only
giving them comfort but removing them slowly out of clutches of
private money lenders.
Thus, it shows positive impact on the savings habit and overall
development of people, who were earlier excluded and newly
joined the financial mainstream.
172
2013-14
4. mecegoee efJekeeme eespeveeDeeW ceW Deehekeer kebheveer kee hele#e eesieoeve

mecegoee efJekeeme leLee meeceeefpeke Deee|Leke keueeCe ieefleefJeefOeeeW mes peg[s 59 efJeefYeVe
keee nw ? (jeefMe `.ceW Deewj heejbYe keer ieF& heefjeespeveeDeeW kee efJeJejCe) mebie"veeW kees yeQke ves kegue jeefMe `.1,530.05 ueeKe kes $e+Ce efJeleefjle efkeS nQ.
What is your company's direct contribution to (ke=heee DevegYeeie Ke ceo mebKee 5 kee meboYe& ueW)
community development projects (Amount in INR The Bank has disbursed a sum of Rs 1,530.05 lakh to 59
and the details of the projects undertaken).
organizations engaged in various community development and
socio-economic welfare activities. (Pl. refer to Section B point no. 5)
5. keee Deeheves en megefveeqele kejves kes efueS keesF& keoce G"eee nw efke
mecegoee efJekeeme henue kees ueesieeW ves meHeueleehetJe&ke Deheveeee nw. eefo
neb lees, ke=heee 50 MeyoeW ceW efJeJejCe oW.
hebpeerke=le mebie"ve/mebmLeeve kes meveoer uesKeekeej mes yeQke Fme mebyebOe ceW Ske heceeCehe$e heehle
kejlee nw efke yeQke eje mJeerke=le oeve kee Gheeesie mebyebefOele GsMe kes efueS ngDee nw.
`'JeJemeee kees DeHeves eenkeeW leLee GheYeeseeDeeW mes peg][s jn kej Gvekees efpeccesoejerHetCe&
{bie mes cenlJe osvee eeefnS.''
The Bank is obtaining a certificate issued by a Chartered Accountant

Have you taken steps to ensure that this community of the done organization/Institute confirming the end use of the
development initiative is successfully adopted by the donation for the purpose for which the donation was sanctioned by
the Bank.
community? Please explain in 50 words, or so.
Businesses should engage with and provide value to their

customers and consumers in a responsible manner
1. Fme efJeeere Je<e& kes Deble leke efkeleves heefleMele ieenke efMekeeeleW/GheYeesee Fme efJeeere Je<e& 2013-14 kes Deble leke kegue heehle efMekeeeleeW (23,350) keer 0.57%
ceeceues uebefyele nQ ?
(151) efMekeeeleW uebefyele nw.

What percentage of customer complaints/consumer Around 0.57% (132) of the total number of complaints received
cases are pending as on the end of financial year?
(23,350) are pending as at the end of the financial year 2013-14.
2. keee kebheveer ves Glheeo uesyeue hej mLeeveere keevetve keer DeefveJeee&lee kes ueeiet veneR.
lenle efveOee&efjle meteveeDeeW kes Deefleefje Glheeo mebyebOeer meteveeSb heoe|Mele Not Applicable
keer nw?

Does the company display product information on the

product label, over and above what is mandated as
per local laws?
3. keee efheues heebe Je<eeX kes oewjeve efkemeer efnleOeejke ves kebheveer kes efJe Metve
DeJewOe Jeeheej, iewj-efpeccesoejevee efJe%eeheve Deewj/ee iewj heeflemheOee&lceke Nil
JeJenej kes mebyebOe ceW ceeceuee ope& efkeee nw Deewj en Fme efJeeere Je<e& kes
Deble leke uebefyele nw ? eefo nw lees, ueieYeie 50 MeyoeW ceW Fmekee efJeJejCe
oW.

Is there any case filed by any stakeholder against

the company regarding unfair
trade practices,
irresponsible advertising and/or anti-competitive
behaviour during the last five years and pending as
on end of financial year. If so, provide details thereof,
in about 50 words or so.
4. keee Deehekeer kebheveer ves keesF& GheYeesee meblegeq heJe=efe / GheYeesee eenke meblegef meJex#eCe 2013-14 kee keee& eue jne nw efpemeceW Deye leke kejerye 32575
meJex#eCe kejeee nw
eefleefeee efceue egkeer nQ. nceW kejerye 40,000 eefleefeee efceueves kee Devegceeve nw. meJex#eCe
Did your company carry out any consumer survey/ kee keee& hetje nesves Deewj Debeflece heefjCeece Deeves ceW Ske Deewj ceen (30.05.2014 leke)
consumer satisfaction trends?
ueie mekelee nw.
A customer satisfaction survey 2013-14 is underway and has
received about 32,575 responses till now. We expect to receive
about 40,000 responses in all. It may take a month more (say up
to 30.05.2014) to complete the survey related work and release
the final results.
173
2013-14
nefjle Henue - Mesej OeejkeeW mes DeHeerue
GREEN INITIATIVE-APPEAL TO SHAREHOLDERS
F&-cesue kes ceeOece mes veesefme/Jeeef<e&ke efjHeesX leLee

Deve He$eeeej eeHle kejvee.
TO GET NOTICES / ANNUAL REPORTS & OTHER

COMMUNICATION THROUGH E-MAIL
ef[ces Keelees ceW Mesej jKevesJeeues Mesej OeejkeeW mes DevegjesOe nw efke Jes DeHeves ef[ces
Keeles ceW F&-cesue DeeF&[er ope& kejW.
Shareholders holding Shares in Demat accounts are requested

to: register an email ID in their Demat A/cs.
Yeewefleke He mes Mesej jKevesJeeues Mesej OeejkeeW mes DevegjesOe nw efke Fme He$e kes veeres efoes iees Yeeie kees Yejkej leLee Gme Hej nmlee#ej kejkes Gmes nceejs
jefpemêj kes Heeme veeres efueKes Heles Hej efYepeJee oW cew. keeJeer& kebhetjMesej eeFJes efue. (etefve : yeQke Dee@@]He ye[ewoe)
huee@ veb. 17 mes 24, Fcespe ne@efmheue kes heeme,
efJeuejeJe veiej, ceeOeehegj, nwojeyeeo - 500 081
Heesve veb. 040-2342 0815 mes 820,
Hewkeme veb. 040-2342 0814
F& cesue : einward.ris@karvy.com
yeQke Dee@]He ye[ewoe keer nefjle Henue

efoveebke
cew. keeJeer& kebhetjMesej eeFJes efue.
(etefve : yeQke Dee@@]He ye[ewoe)
huee@ veb. 17 mes 24, Fcespe ne@efmheue kes heeme,
efJeuejeJe veiej, ceeOeehegj,
nwojeyeeo - 500 081
Shareholders holding Shares in Physical form are

requested to:
send their consent by filling up and signing the perforated
portion of this communication to our Registrars at their
address given hereunder :
M/S Karvy Computershare Private Ltd., (Unit: Bank of Baroda),
Plot No.17 to 24, Near Image Hospital,
Vittalrao Nagar, Madhapur,
Hyderabad - 500 081,
Phone No. 040 2342 0815 to 820
Fax No. 040 2342 0814
E-mail : einward.ris@karvy.com
GREEN INITIATIVE OF BANK OF BARODA

Date:
M/S Karvy Computershare Private Ltd.,
(Unit: Bank of Baroda),
Plot No.17 to 24, Near Image Hospital,
Vittalrao Nagar, Madhapur,
Hyderabad - 500 081
efee cenesoe,
ceQ / nce ____________________________________________
yeQke Dee@@]He ye[ewoe keeheexjs ieJevesme kes heee&JejCe megj#ee (nefjle heefjJesMe) GheeeeW kes
Ske eeeme kes he ceW yeQke Dee@@]He ye[ewoe mes meYeer mebosMe Deheves veeres efoS ieS F& cesue
DeeF[er kes ceeOece mes eehle kejvee eenlee ntb / eenles nQ. cesjs / nceejs heeme yeQke kes
__________________Mesej Yeewefleke he ceW nQ.
Heesefueees vecyej : _________F& cesue DeeF[er : _________________________
ceQ / nce Fme DeeMee kee Jeeve oslee ntb / osles nQ efke cesjs / nceejs F& cesue kes ceeOece
mes eehle mebosMe kees mener, efJeefOeke leLee yeQke Dee@@]He ye[ewoe eje nceW Yespes ieS
omleeJespeeW keer mecegefele SJeb heee&hle meghego&ieer ceevee peeSiee. ceQ / nce en Yeer Jeeve
oslee ntb / osles nQ efke eefo efkemeer lekeveerkeer / Deve keejCeeW mes cesje / nceeje F& cesue
nceW mener he ceW eehle ve nesves kes keejCe mebosMe eehle veneR nes heelee nw lees nce yeQke
Dee@@]He ye[ewoe, Fmekes efkemeer kece&eejer, jefpemêj DeLeJee Fmekes kece&eeefjeeW kees
GllejoeeeR veneR "njeeWies.
Dear Sir,
I/ We ______________________________ holding _________
shares of Bank of Baroda in physical form, intend to receive
all communication from Bank of Baroda through our email ID
given hereunder, as a part of Green Initiative under Corporate
Governance of Bank of Baroda.
Folio Number: _______________ Email ID: _______________
I/ We also undertake that the communication received through my/
our email ID will be treated as proper, legal and sufficient delivery
of documents sent to us by Bank of Baroda. I/ We further undertake
that we would not hold Bank of Baroda, any of its employees,
Registrars or its employees, responsible in case the communication
is not properly received at my/ our email ID due to any technical/
other failures.
________________
____________________
Signature of First Holder
eLece Oeejke kes nmlee#ej
174
heYeeJeer Je lelkeeue mesJeeDeeW kes efuees MesejOeejkeesb mes

Deheerue
1. ke=heee Deheves Yeewefleke Mesej kees [ercew kejsb
2. ke=heee ueeYeebMe meerOes Deheves Keeles ceW pecee kejves kes efuees Dehevee
F&meerSme cewve[s jefpemj kejbs
3. ke=heee F&- cesue kes ceeOece mes mevosMe heeves kes efuees Deheveer F&-cesue
DeeF&[er jefpemj kejsb
DeYeeweflekeerkejCe ([ercewsefjeueeFpesMeve) kes ueeYe
2013-14
Appeal to Shareholders for Efficient &

Prompt Services
1. Please Demat your Physical Shares
2. Please register your ECS Mandate for direct credit
of Dividend amount in your A/c
3. Please register your E-mail ID for receiving
communications through E-mail
Benefits of Dematerialization
1. Mesej mee|efHekes kes Keesves kee keesF& [j veneR
1. No threat of loss of share certificate
2. Mesej mLeeveeblejCe Meguke DeLeJee me@che veneR
2. No share transfer fees or stamp
3. mejue / hejsMeeveer jefnle mLeeveeblejCe/ mebejCe
3. Easy / hassle free transfer / transmission
4. veeceebkeve mecYeJe
4. Nomination possible
5. ueeYeebMe meerOes Deehekes yeQke Keeles ceW
5. Dividend directly credited to your Bank A/c
6. Demyee (SSmeyeerS) / DeeF&heerDees DeeJesove mecYeJe
6. ASBA/IPO application possible
F&meerSme cewve[s
ECS Mandate
1. ueeYeebMe Yegieleeve keer leejerKe kees ner ueeYeebMe hele#e pecee kejvee
1. Direct credit of dividend on Dividend payment date

itself
2. ueYeebMe Jeejb ceW osjer/ Deheeeqhle / hegveJezOelee keer keesF& mecemee veneR
2. No problem of late / non-receipt / revalidation of

Dividend Warrants
F&- cesue DeeF&[er
E-mail ID
1. Yeejle mejkeej keer nefjle henue kee efnmmee yeveW

2. keejheesjs meteveeSb lelkeeue heehle kejvee efpemecesb SpeerSce Je F&peerSce/
Jeee|<eke efjhees& / ceener metevee Fleeefo keer lelkeeue heeeqhle Yeer
Meeefceue nw
1. Be a part of Green Initiative of Government of India

(GOI)
2. Immediate receipt of Corporate communication
including Notice of AGM & EGM / Annual Reports /
Half Yearly communication, etc
175
2013-14
efoveebke 31.3.2014 kees Yeejleere efj]peJe& yeQke kes vees Hetbpeer Heee&Hlelee esceJeke& (yeemesue II) kes efheuej 3 kes Debleie&le
ekeerkejCe (meesuees DeeOeej Hej)
Disclosures (on solo basis) under Pillar 3 in terms of New Capital Adequacy Framework
(Basel III) of Reserve Bank of India as on 31.03.2014
DF 1. Scope of application and Capital Adequacy
[erSHe 1 : Devegeeesie kee #es$e SJeb hetbpeer heee&hlelee

ekeerkejCe kee esceJeke& yeQke Dee@]He ye[ewoe hej meesuees DeeOeej hej ueeiet neslee
nw, pees efke mecetn ceW meJeexe yeQke nw.
The framework of disclosures applies to Bank of Baroda,

on solo basis, which is the top bank in the group
(i) Qualitative Disclosures: -
(i) cee$eelceke hekeerkejCe
FkeeF& kee veece/ efveieefcele keee FkeeF& kees meceskeve kes meceskeve keer
keee FkeeF& kees
meceskeve keer
meceskeve keer eefo meceskeve kes keske}
}sKeebkeve #es$e kes Debleie&le heefle kee keCe&ve meceskeve kes efveeeceke heefle kee keCe&ve heefle cesb Deblej
Ske ner #es$e kes
osMe
Meeefce} efkeee ieee nw (neb/ Explain the
#es$e kes Debleie&le
kes ef}S keejCeesb Debleie&le mecesefkele
Name of the
Explain the
Meeefce} efkeee ieee nw
efkeee ieee nw lees
venerb)
kee keCe&ve
entity / Country of
method of
method of
(neb
/
vener
b
)
keejCees
b kee keCe&ve
Whether
the
entity
Explain
the
incorporation
consolidation
consolidation
Whether the entity
is included under
regulatory scope of
consolidation (yes
/ no)
is included under
accounting scope of
consolidation (Yes/No)
vewveerlee} yeQke ef}./ Yeejle

The Nainital Bank Ltd.
/ India
yee@ye kewefhe} ceeke&s ef}. /

Yeejle
neb
Yes
yee@yekee[&me ef}. / Yeejle
Yes
neb
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
Line By Line
Basis
neb
Yes
BOB Capital Markets Ltd

/India
BOB Cards Ltd. / India
}eFve oj }eFve
DeeOeej
neb
neb
Yes
neb
yeQke Dee@He ye[ewoe (kesvee)

ef}./ kesvee
Yes
yeQke Dee@He ye[ewoe (etieeb[e)

ef}./ etieeb[e
Yes
yeQke Dee@He ye[ewoe (iegeevee)

ef}./ iegeevee
Yes
Bank of Baroda
(Botswana) Ltd./
Botswana
neb
Bank of Baroda (Kenya)

Ltd. / Kenya
Bank of Baroda (Uganda)

Ltd. / Uganda
neb
Bank of Baroda
(Tanzania) Ltd. /Tanzania
176
neb
neb
Line By Line
Basis
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
NA
NA
NA
NA
NA
NA
NA
NA
Line By Line
Basis
neb
NA
NA
Line By Line
Basis
neb
Line By Line
Basis
Yes
}eFve oj }eFve
DeeOeej
NA
Line By Line
Basis
Line By Line
Basis
Bank of Baroda (Guyana)

Inc. /Guyana
yeQke Dee@He ye[ewoe

(lebpeeefveee) ef}./
lebpeeefveee
neb
Line By Line
Basis
neb
}eiet veneR
NA
Line By Line
Basis
Line By Line
Basis
neb
}eiet veneR
Line By Line
Basis
Line By Line
Basis

(yeeslmkeevee) ef}./ yeeslmkeevee
}eFve oj }eFve
DeeOeej
Line By Line
Basis
Line By Line
Basis
Yes
reasons for Explain the reasons

if consolidated
difference
under only one
in the
of the scopes of
method of
consolidation
consolidation
NA
NA
Line By Line
Basis
neb
Line By Line
Basis
NA
NA
2013-14
keee FkeeF& kees
meceskeve keer
Ske ner #es$e kes
osMe
Explain the
Name of the
efkeee ieee nw lees
venerb)
kee keCe&ve
method of
entity / Country of
method of
(neb/venerb)
keejCeesb kee keCe&ve
Explain the
Whether the entity
consolidation
incorporation
consolidation
yeQke Dee@He ye[ewoe ef$eefveoeo

SC[ esyesiees ef}./ ef$eefveoeo
SC[ esyesiees
neb
Yes
yeQke Dee@He ye[ewoe (Ieevee)

ef}./ Ieevee
Yes
neb

(vetpeer}wb[) ef}./ vetpeer}wb[
Yes
yeQke Dee@He ye[ewoe (et.kes)

ef}./ et.kes.
Yes
Bank of Baroda (Ghana)

Ltd. /Ghana
neb
neb
}eFve oj }eFve
DeeOeej
Yes
}eFve oj }eFve
DeeOeej
Yes
neb
}eFve oj }eFve
DeeOeej
Yes
neb
neb
Devegheeleer meceskeve
heefle
neb
neb
Yes
neb
Fbef[ee FbHee[sy ef}. /

Yeejle
Yes
neb
Fb[esb peebefyeee yeQke ef}efces[

/ peebefyeee
Yes
ye[ewoe heeeesevf eej Smes

cewvespecesb kebheveer ef}./Yeejle
Yes
India Infradebt Ltd. /

India
veneR
NO
heefle
Yes
neb
heefle
Yes
Fefkekeer heefle
Equity Method
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
}eFve oj }eFve
DeeOeej
}eiet veneR
}eiet veneR
NA
NA
NA
NA
NA
NA
efkeefveeeceke hetbpeer efkemeer FbMeesjsbme efkeefveeeceke efoMeeefveo&sMe

mes efvekesMe Deeefmle kebheveer hej }eiet
Regulatory
kece kej oer ieF& nw efkeefveeeceke
Guidelines.
efoMeeefveo&sMe
The investment
asset is
deducted from
regulatory capital
Regulatory
guidelines
applied to
an insurance
entity.
heefle
}eiet veneR
}eiet veneR
heefle
}eiet veneR
}eiet veneR
Fefkekeer heefle
}eiet veneR
}eiet veneR
Fefkekeer heefle
}eiet veneR
}eiet veneR
NA
NA
Proportionate
Consolidation
Method
neb
Proportionate
Consolidation
Method
neb
}eFve oj }eFve
DeeOeej
NA
Line By Line
Basis
Proportionate
Consolidation
Method
India International Bank

(Malaysia) Bhd./Malaysia
}eiet veneR
NA
Line By Line
Basis
Proportionate
Consolidation
Method
India First Life Insurance

Company Ltd. / India
}eiet veneR
Line By Line
Basis
Line By Line
Basis
Yes
}eFve oj }eFve
DeeOeej
Line By Line
Basis
Line By Line
Basis
BOB (UK) Ltd. / UK
Fbef[ee FbjvesMeve} yeQke

(ce}sefMeee) yeerSe[er/
ce}sefMeee
Yes
Line By Line
Basis
Bank of Baroda (New

Zealand) Ltd. /New
Zealand
Fbef[eeHem& }eFHe
FbMeesjsbme kebheveer ef}. /
Yeejle
}eFve oj }eFve
DeeOeej
Line By Line
Basis
Bank of Baroda Trinidad

&Tobago Ltd. / Trinidad
&Tobago

if consolidated
difference
under only one
in the
of the scopes of
method of
consolidation
consolidation
Whether the entity

is included under
regulatory scope of
consolidation (yes
/ no)
is included under
accounting scope of
NA
NA
Proportionate
Consolidation
Method
neb
Yes
Equity Method
NA
NA
Indo Zambia Bank

Limited / Zambia
neb
Fefkekeer heefle
Equity Method
neb
Yes
Equity Method
NA
NA
Baroda Pioneer Asset

Management Co. Ltd.
/ India
177
2013-14
keee FkeeF& kees
meceskeve keer
Ske ner #es$e kes
osMe
Name of the
Explain the
efkeee ieee nw lees
venerb)
kee keCe&ve
entity / Country of
method of
method of
(neb/venerb)
keejCeesb kee keCe&ve
Whether the entity
Explain the
incorporation
consolidation
consolidation
Whether the entity
is included under
regulatory scope of
consolidation (yes
/ no)
is included under
accounting scope of
ye[ewoe heeeesefveej ^mer

kebheveer hee. ef}./ Yeejle
Yes
neb
ye[ewoe Gllej heosMe ieeceerCe

yeQke/ Yeejle
Yes
ye[ewoe jepemLeeve #es$eere

ieeceerCe yeQke/ Yeejle
Yes
ye[ewoe iegpejele ieeceerCe

yeQke/ Yeejle
Yes
Fefkekeer heefle
neb
Equity Method
Yes

if consolidated
difference
under only one
in the
of the scopes of
method of
consolidation
consolidation
Fefkekeer heefle
}eiet veneR
}eiet veneR
Fefkekeer heefle
}eiet veneR
}eiet veneR
Fefkekeer heefle
}eiet veneR
}eiet veneR
Fefkekeer heefle
}eiet veneR
}eiet veneR
Equity Method
NA
NA
Baroda Pioneer Trustee

Co. Pvt Ltd / India
neb
Fefkekeer heefle
neb
Equity Method
Yes
Equity Method
NA
NA
Baroda Uttar Pradesh

Garmin Bank / India
neb
Fefkekeer heefle
neb
Equity Method
Yes
Equity Method
NA
NA
Baroda Rajasthan
Kshetriya Garmin Bank
/ India
neb
Fefkekeer heefle
neb
Equity Method
Yes
Equity Method
NA
NA
Baroda Gujarat Garmin

Bank / India
ke. mecetn keer Ssmeer FkeeFeesb keer meteer efpevnsb meceskeve kes ef}S Meeefce} efkeee
ieee nw:
vewveerlee} yeQke ef}.
yee@ye kewefhe} ceeke&s ef}.
yee@yekee[&me ef}.
yeQke Dee@He ye[ewoe (yeeslmkeevee) ef}.
yeQke Dee@He ye[ewoe (kesvee) ef}.
yeQke Dee@He ye[ewoe (etieeb[e) ef}.
yeQke Dee@He ye[ewoe (iegeevee) ef}.
yeQke Dee@He ye[ewoe (lebpeeefveee) ef}.
yeQke Dee@He ye[ewoe ef$eefveoeo SC[ esyesiees ef}.
yeQke Dee@He ye[ewoe (Ieevee) ef}.
yeQke Dee@He ye[ewoe (vetpeer}wb[) ef}.
yeQke Dee@He ye[ewoe (et.kes.) ef}.
Fbef[ee FbjvesMeve} yeQke (ce}sefMeee) yeerSe[er
Fbef[ee FbHee[s ef}.
Fb[esb peebefyeee yeQke ef}efces[
ye[ewoe heeeesefveej Smes cewvespecesb kebheveer ef}.
ye[ewoe heeeesefveej ^mer kebheveer hee. ef}.
ye[ewoe Gllej heosMe ieeceerCe yeQke
ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke
ye[ewoe iegpejele ieeceerCe yeQke
178
a.
List of group entities considered for consolidation:
The Nainital Bank Ltd.

BOB Capital Markets Ltd
BOB Cards Ltd.
Bank of Baroda (Botswana) Ltd.
Bank of Baroda (Kenya) Ltd.
Bank of Baroda (Uganda) Ltd.
Bank of Baroda (Guyana) Inc.
Bank of Baroda (Tanzania) Ltd.
Bank of Baroda Trinidad &Tobago Ltd.
Bank of Baroda (Ghana) Ltd.
Bank of Baroda (New Zealand) Ltd.
BOB (UK) Ltd.
India International Bank (Malaysia) Bhd.
India Infradebt Ltd.
Indo Zambia Bank Limited
Baroda Pioneer Asset Management Co. Ltd.
Baroda Pioneer Trustee Co. Pvt Ltd
Baroda Uttar Pradesh Garmin Bank
Baroda Rajasthan Kshetriya Garmin Bank
Baroda Gujarat Garmin Bank

Ke. mecetn keer Ssmeer FkeeFeesb keer meteer efpevnsb meceskeve kes efkeefveeeceke leLee
}sKeebkeve oesveesb #es$eesb kes Debleie&le meceskeve kes ef}S Meeefce} venerb efkeee ieee
nw :
FkeeF& kee veece/
efveieefcele osMe
Name of
the entity /
country of
incorporation
b.
2013-14
List of group entities not considered for consolidation

both under the accounting and regulatory scope of
consolidation:
keg} leg}vehe$e Fefkekeer (pewmee efke keg} Fefkekeer cesb FkeeF& kes hetbpeer efueKeleeW cesb keg} leg}ve he$e Deeefmleeeb
(pewmee efke efkeefOeke FkeeF& kes
efkeefOeke FkeeF& kes }sKeebkeve leg}ve yeQke kes Mesej kee
yeQke kes efvekesMe kee
}sKeebkeve leg}ve he$e cesb
he$e cesb yeleeee ieee nw)
(%)
efkeefveeeceke heyebOe
Principle
yeleeee ieee nw)
% of banks
Total balance sheet
Regulatory
activity of the
FkeeF& kee hecegKe
keee&
entity
equity (as stated in the holding in the treatment of banks Total balance sheet
assets (as stated
total equity
accounting balance
investments in the
in the accounting
sheet of the legal entity)
capital instruments
balance sheet of the
of the entity
legal entity)
Metve / NIL
(ii) cee$eelceke hekeerkejCe
(ii) Quantitative Disclosures:
ie.
c.
meceskeve kes ef}S Meeefce} keer ieF& mecetn keer FkeeFeesb keer meteer:
FkeeF& kee veece / efveieefcele osMe
(pewmee efke Ghejese (i) ke cesb oMe&eee ieee nw)
Name of the entity / country of incorporation

(as indicated in (i) a. above)
vewveerlee} yeQke ef}./ Yeejle
The Nainital Bank Ltd. / India
yee@ye kewefhe} ceeke&s ef}. / Yeejle
BOB Capital Markets Ltd /India
yee@yekee[&me ef}. / Yeejle
BOB Cards Ltd. / India
yeQke Dee@He ye[ewoe (yeeslmkeevee) ef}./ yeeslmkeevee
Bank of Baroda (Botswana) Ltd./ Botswana
yeQke Dee@He ye[ewoe (kesvee) ef}./ kesvee
Bank of Baroda (Kenya) Ltd. / Kenya
yeQke Dee@He ye[ewoe (etieeb[e) ef}./ etieeb[e
Bank of Baroda (Uganda) Ltd. / Uganda
yeQke Dee@He ye[ewoe (iegeevee) ef}./ iegeevee
Bank of Baroda (Guyana) Inc. /Guyana
yeQke Dee@He ye[ewoe (lebpeeefveee) ef}./ lebpeeefveee
Bank of Baroda (Tanzania) Ltd. /Tanzania
yeQke Dee@He ye[ewoe ef$eefveoeo SC[ esyesiees ef}./ ef$eefveoeo SC[ esyesiees
Bank of Baroda Trinidad &Tobago Ltd./Trinidad &Tobago
yeQke Dee@He ye[ewoe (Ieevee) ef}./ Ieevee
Bank of Baroda (Ghana) Ltd. /Ghana
yeQke Dee@He ye[ewoe (vetpeer}wb[) ef}./ vetpeer}wb[
Bank of Baroda (New Zealand) Ltd. /New Zealand
yee@ye (et.kes) ef}./ et.kes.
BOB (UK) Ltd. / UK
Fbef[ee FbjvesMeve} yeQke (ce}sefMeee) yeerSe[er/ ce}sefMeee
India International Bank (Malaysia) Bhd. / Malaysia
Fbef[ee Fbee[s ef}. / Yeejle
India Infradebt Ltd. / India
List of group entities considered for consolidation:
FkeeF& kee hecegKe

keee&
Principle
activity of
the entity
keg} leg}vehe$e Fefkekeer (pewmee

efke efkeefOeke FkeeF& kes }sKeebkeve
leg}ve he$e cesb yeleeee ieee nw)
Total balance sheet
equity (as stated
in the accounting
legal entity)
(jeefMe }eKe cesb) / (Amt in Lks)

keg} leg}ve he$e Deeefmleeeb
}sKeebkeve leg}ve he$e cesb yeleeee
ieee nw)
Total balance sheet
assets (as stated
in the accounting
legal entity)
yewbefkebie
44528.43
534259.01
iewj yewbefkebie
14277.82
15791.55
iewj yewbefkebie
17357.11
21939.40
yewbefkebie
11609.25
109108.11
yewbefkebie
54202.44
372526.14
yewbefkebie
39853.39
232425.76
yewbefkebie
5620.61
40526.82
yewbefkebie
10726.92
55613.99
yewbefkebie
3763.84
39058.53
yewbefkebie
24423.29
42641.71
yewbefkebie
22231.03
36196.08
11.43
11.43
yewbefkebie
23645.18
34793.58
iewj yewbefkebie
32894.33
33157.37
Banking
Non Banking
Non Banking
Banking
Banking
Banking
Banking
Banking
Banking
Banking
Banking
iewj yewbefkebie
Non Banking
Banking
Non Banking
179
2013-14
FkeeF& kee veece / efveieefcele osMe

(pewmee efke Ghejese (i) ke cesb oMe&eee ieee nw)
Name of the entity / country of incorporation

(as indicated in (i) a. above)
FkeeF& kee hecegKe

keee&
Principle
activity of
the entity
Fb[esb peebefyeee yeQke ef}efces[ / peebefyeee
Indo Zambia Bank Limited / Zambia

Baroda Pioneer Asset Management Co. Ltd. / India
ye[ewoe heeeesefveej ^mer kebheveer hee. ef}./ Yeejle
Baroda Pioneer Trustee Co. Pvt Ltd / India
216610.77
iewj yewbefkebie
6626.40
7258.67
iewj yewbefkebie
5.70
11.95
yewbefkebie
75100.56
1441812.55
yewbefkebie
64801.83
1077137.53
yewbefkebie
12479.70
261411.78
Banking
ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke/ Yeejle
Baroda Rajasthan Kshetriya Garmin Bank / India
Banking
ye[ewoe iegpejele ieeceerCe yeQke/ Yeejle
Baroda Gujarat Garmin Bank / India
Banking
Ie. Gve meYeer Deveg<ebefieeesb cesb hetbpeeriele efJemebieefleeesb keer keg} jeefMe pees meceskeve kes
efkeefveeeceke #es$e cesb Meeefce} venerb keer ieF& nwb DeLee&le pees Iee oer ieF&
nw :
FkeeF& kee hecegKe
keee&
Principle
activity of
the entity
Total balance sheet

assets (as stated
in the accounting
legal entity)
31981.54
Non Banking
Baroda Uttar Pradesh Garmin Bank / India
keg} leg}ve he$e Deeefmleeeb

ieee nw)
yewbefkebie
Non Banking
ye[ewoe Gllej heosMe ieeceerCe yeQke/ Yeejle
Name of the
subsidiaries / country
of incorporation
Total balance sheet

equity (as stated
in the accounting
legal entity)
Banking
ye[ewoe heeeesefveej Smes cewvespecesb kebheveer ef}./ Yeejle
FkeeFeesb kee veece/ efveieefcele

osMe

efke efkeefOeke FkeeF& kes }sKeebkeve
leg}ve he$e cesb yeleeee ieee nw)
d. The aggregate amount of capital deficiencies in all

subsidiaries which are not included in the regulatory
scope of consolidation i.e. that are deducted:
keg} leg}vehe$e Fefkekeer (pewmee efke efkeefOeke FkeeF& kes

}sKeebkeve leg}ve he$e cesb yeleeee ieee nw)
Total balance sheet equity (as stated

in the accounting balance sheet of the
legal entity)
keg} Fefkekeer cesb yeQke kes

Mesej kee (%)
% of banks
holding in the
total equity
hetbpeeriele keefceeeb
Capital
deficiencies
Metve / Nil
e. The aggregate amounts (e.g. current book value) of
the banks total interests in insurance entities, which
are risk-weighted:
[. FbMeesjsbme FkeeFeesb cesb yeQke kes keg} yeepe keer keg} jeefMe (pewmes efke
kele&ceeve yener cetue), pees peesefKece-Yeeefjle nw :
(jeefMe }eKe cesb) / (Amt in Lks)

FbMeesjsbme FkeeFeesb kee veece / efveieefcele osMe
Name of the insurance entities
/ country of incorporation
Fbef[eeHem& }eFHe FbMeesjsbme kebheveer ef}.

India First Life Insurance
Company Ltd.
FkeeF& kee
hecegKe keee&
Principle
activity of
the entity
FbMeesjsbme
Insurance

efke efkeefOeke FkeeF& kes
ieee nw)
keg} Fefkekeer cesb yeQke

kes Mesej kee % /
keesefbie Meefe kee
Devegheele
% of banks
holding in the
total equity /
proportion of
voting power
Quantitative impact on
regulatory capital of using
risk weighting method
versus using the full
deduction method
35057.35
44%
16198.00
Total balance sheet

equity (as stated in the
accounting balance
sheet of the legal
entity)
e. yewbefkebie mecetn cesb efveeeceke hetbpeer DeLekee Heb[esb kes êbmeHej cesb keesF& heefleyebOe
ee De[eve :
heefleyebOe leLee De[eveesb kes mebyebOe cesb cespeyeeve osMeesb kee mLeeveere keevetve leLee
efveeeceke }eiet nw. mecetn FkeeFeesb kes yeere hetbpeeriele efveefOeeesb kee DeblejCe
heefleyebefOele nw.
180
peesefKece Yeeefjle heefle heeesie kejves

yeveece hetCe& keewleer heefle heeesie
kejves kee efkeefveeeceke hetpb eer hej
cee$eelceke heYeeke
f.
Any restrictions or impediments on transfer of funds

or regulatory capital within the banking group:
In regard to restriction and impediments local laws and

regulation of host countries are applicable. The transfer
of Capital funds within the Group entities is restricted.

[erSHe 2 : hetbpeer heee&hlelee
ke. yeQke peceekelee&DeeW meeceeve $e+CeoeleeDeeW leLee DebMeOeejke kees DeeleeefMele
neefveeeW mes megjef#ele jKeves kes efueS Skemehees]pejeW, JeJemeee Fleeefo kes cetue
ceW neefve kes peesefKece mes yeeeJe kes efueS hebtpeer keer JeJemLee jKelee nw, yeQke kes
heeme efveeeceke leLee DeeefLe&ke hetbpeer oesveeW kes efueS Skeerke=le peesefKece / hetbpeer
cee@[ue leweej kejves nsleg Ske megheefjYeeef<ele Deebleefjke hetbpeer heee&hlelee efveOee&jCe
eefeee (DeeF&meerSSheer) veerefle nw leeefke meYeer peesefKeceeW SJeb Gefele hetbpeer Deeyebve
kees Jeeheke he mes efJekeefmele efkeee pee mekes.
2013-14
DF 2. Capital Adequacy
a.
Bank maintains capital to cushion the risk of loss in value

of exposure, businesses etc. so as to protect the interest
of depositors, general creditors and stake holders against
any unforeseen losses. Bank has a well defined Internal
Capital Adequacy Assessment Process (ICAAP) policy to
comprehensively evaluate and document all risks and to
provide appropriate capital so as to evolve a fully
integrated risk/ capital model for both regulatory and
economic capital.
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej yeQke ves $e+Ce peesefKece kes
efueS ceevekeerke=le Heefle, heefjeeueve peesefKece kes efueS DeeOeejYetle mebkesleke
heefle leLee meerDeejSDeej keer ieCevee kes efueS yeepeej peesefKece nsleg ceevekeerke=le
DeeJeefOeke heefle Deheveeeer nw.
In line with the guidelines of the Reserve Bank of India,

the Bank has adopted Standardized Approach for Credit
Risk, Basic Indicator Approach for Operational Risk and
Standardized Duration Approach for Market Risk for
computing CRAR.
hetbpeeriele DeeJeMekelee DeeefLe&ke HeefjJesMe, efveeeceke ]pejleeW leLee yeQke keer

ieefleefJeefOeeeW mes nesves Jeeues peesefKece mes eYeeefJele nesleer nw. yeQke keer hetbpeeriele
Deeeespevee kee GsMe DeeefLe&ke heefjefmLeefleeeW kes heefjJele&ve kes mecee, eneb leke
efke DeeefLe&ke ceboer kes oewj ceW Yeer, hetbpeer heee&hlelee kees megefveefMele kejvee nw.
hetbpeeriele Deeeespevee keer eefeee ceW yeQke efvecveefueefKele keer meceer#ee kejlee nw:
The capital requirement is affected by the economic

environment, regulatory requirement and by the risk arising
from banks activities. Capital Planning exercise of the
bank is carried out every year to ensure the adequacy of
capital at the times of changing economic conditions, even
at the time of economic recession. In capital planning
process the bank reviews:
yeQke keer ceewpetoe hetbpeeriele DeeJeMekelee.
keejesyeej jCeveerelf e, veerelf e leLee peeseKf ece eJe=ef e kes meboYe& ceW ueef#ele leLee
OeejCeere hetpb eer
YeefJe<e keer hetbpeeriele Deeeespevee Deieues leerve Je<e& kees Oeeve ceW jKekej
keer peeleer nw.
hebpt eeriele eespevee kees Jeeef<e&ke DeeOeej hej mebMeeseOf ele efkeee peelee nw. yeQke keer
veerelf e Deebleefjke hetpb eer heee&hlelee cetueebkeve veerelf e (vetvelece 12% hetpb eer heee&hlelee
Devegheele ee mecee-mecee hej yeQke kes efveCe&eevegmeej) ceW efveOee&ejf le hetpb eer kees
yeveeS jKevee nw, Fmekes meeLe ner yeQke keer veerelf e YeefJe<e ceW keejesyeej Je=e
f
kes efueS hetpb eer kees yeveees jKevee nw leeefke DeeJeMeke vetvelece hetpb eer kees melele
DeeOeej hej yeveeS jKee pee mekes. Devegceeve kes DeeOeej hej yeQke Deheves efveosMeke
ceb[ue kes Devegceesove mes efej - 1 ee efej - 2 ceW hetpb eer mebie=nerle kejlee
nw. yeQke kes efveosMeke ceb[ue eje efleceener DeeOeej hej yeQke keer hetpb eer heee&hlelee
efmLeefle keer meceer#ee keer peeleer nw Deewj Yeejleere efjp] eJe& yeQke kees Yeer emlegle keer
peeleer nw.
Current capital requirement of the bank
The targeted and sustainable capital in terms of

business strategy, policy and risk appetite.
The future capital planning is done on a three-year

outlook.
The capital plan is revised on an annual basis. The policy

of the bank is to maintain capital as prescribed in the
ICAAP Policy (minimum 12% Capital Adequacy Ratio or
as decided by the Bank from time to time). At the same
time, Bank has a policy to maintain capital to take care of
the future growth in business so that the minimum capital
required is maintained on continuous basis. On the basis
of the estimation bank raises capital in Tier-1 or Tier-2
with due approval of its Board of Directors. The Capital
Adequacy position of the bank is reviewed by the Board
of the Bank on quarterly basis and the same is submitted
to RBI also.
(Ke) $e+Ce peesefKece kes efueS hetbpeeriele DeeJeMekeleeSb

ceevekeerke=le heefle kes DeOeOeerve mebefJeYeeie : ` 2873987.50 ueeKe
eefleYetleerkejCe Skemeheespej : Metve
(b) Capital requirements for credit risk:

Portfolios subject to Standardized approach: Rs.
2873987.50 Lks

Securitizations exposures: Nil
(ie) yeepeej peesefKece kes efueS hetbpeeriele DeeJeMekeleeSb

yeepe oj peesefKece : ` 102664.41 ueeKe

efJeosMeer cege efJeefvecee peesefKece (mJeCe& meefnle) : ` 2025.00 ueeKe
FefkeJeer peesefKece : ` 71472.63 ueeKe
(c) Capital requirements for market risk:

Interest rate risk: Rs. 102664.41 Lks.

Foreign exchange risk (including gold): Rs. 2025.00
Lks

Equity risk: Rs. 71472.63 Lks.
(Ie) heefjeeueve peesefKece kes efueS hetbpeeriele DeeJeMekeleeSb

DeeOeejYetle mebkesleke heefle : ` 194792.94 ueeKe

ceevekeerke=le heefle (eefo ueeiet nes) : ueeiet veneR
(d) Capital requirements for operational risk:

Basic Indicator Approach : Rs. 194792.94 Lks
([) kee@ceve FefkeJeer efej 1 leLee kegue hetbpeeriele Devegheele

yeQke Dee@]he ye[ewoe (meesuees DeeOeej hej)
(e) Common Equity Tier 1, and Total Capital ratios:
The Standardized Approach (if applicable): NA

Bank of Baroda (Solo Basis):
181
2013-14
kegue Deej[yuet kes efueS kee@ceve FefkeJeer efej 1 hetbpeer : 8.95%

kegue Deej[yuet kes efueS efej 1 hetbpeer : 9.28%

yeQke Dee@]he ye[ewoe kes efueS kegue hetbpeeriele Devegheele : 12.28%
hetbpeeriele Devegheele keer ieCevee ceW 31 ceee& 2014 kee eefleOeeefjle Depe&ve keess
Meeefceue efkeee ieee nw.
[erSHe 3 : $e+Ce peesefKece kes meboYe& ceW meeceeve ekeerkejCe

yeQke keer $e+Ce DeeefmleeeW kees Jeieeake=le kejves kes efueS yeQke keer efvecveefueefKele
veerefle nw :
iewj efve<heeoke Deeefmleeeb (SveheerS) : iewj efve<heeoke Deeefmleeeb (SveheerS) Ske
Ssmee $e+Ce ee Deefece nw peneB
i. ceereeoer $e+Ce kes meboYe& ceW 90 efove mes DeefOeke keer DeJeefOe kes efueS
cetueOeve kee yeepe leLee / ee efkemle Deefleose nes peeleer nw.
ii. DeesJej [êHe / vekeo GOeej (Dees [er / meer meer) kes mebyebOe ceW Keelee
Deefveeefcele jnlee nw.
iii. Kejeros ieS leLee yeeke=le efyeue 90 efoveeW mes DeefOeke keer DeJeefOe kes efueS
Deefleose jnles nQ.
iv. DeuheeJeefOe HemeueeW kes efueS oes Hemeueer ceewmeceeW nsleg cetue jeefMe keer
efkemle DeLeJee Gme hej yekeeee yeepe Deefleose nes peelee nw.
iewj efve<Heeoke efveJesMe (Sve Heer DeeF&)

eefleYetefleeeW kes mebyebOe ceW peneB yeepe/cetueOeve yekeeee nw, yeQke eefleYetefleeeW Hej Deee
keer ieCevee veneR kejlee nw leLee efveJesMe kes cetue ceW cetueeme kes efueS mecegefele
eeJeOeeve kejlee nw.
iewj efve<Heeoke efveJesMe (SveHeerDeeF&) pees iewj efve<Heeoke Deefece (SveHeerS) kes meceeve ner
nw, Gmes kenles nQ peneB:
(i) yeepe / efkemle (HeefjHekeJe eeeqHleeeW meefnle) ose nw Deewj 90 efoveeW mes
DeefOeke mecee leke Deoe jnlee nw.
Tier I capital to Total RWA: 9.28%
Total capital ratio for Bank of Baroda: 12.28%
Retained earnings as on 31st March 2014 have been

included in computation of the Capital ratios.
The policy of the bank for classifying banks loan assets
is as under:
NON PERFORMING ASSETS (NPA): A non performing

asset (NPA) is a loan or 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 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. The installment of principal or interest thereon
remains overdue for two crop seasons for short
duration crops,
V. The installment of principal or interest thereon
remains overdue for one crop season for long
duration crops.
efkemle DeLeJee Gme hej yekeeee yeepe Deefleose nes peelee nw.
efkemeer Yeer $e+Ce megefJeOee kes Devleie&le yeQke kees ose efkemeer Yeer Ssmeer jeefMe kees Deefleose
ceevee peeesiee eefo en yeQke eje efveOee&efjle keer ieF& ose leejerKe kees Deoe veneR
keer peeleer nw.
DF 3. General disclosures in respect of Credit Risk
v. uecyeer DeJeefOe keer HemeueeW kes efueS Ske Hemeueer ceewmece nsleg cetue jeefMe keer
efkemeer Dees[er / meer meer Keeles kees Deefveeefcele Keeles kes he ceW ceevee peeSiee eefo
Keeles ceW mJeerke=le meercee / DeenjCe meercee mes DeefOeke jeefMe 90 efove mes DeefOeke
yekeeee jnleer nes. Ssmes ceeceueeW ceW, peneB cetue heefjeeueveiele Keeles ceW yekeeee
Mes<e mJeerke=le meercee / DeenjCe meercee mes kece jnlee nes uesefkeve peneb legueve-he$e
keer leejerKe kees efvejvlej he mes 90 efoveeW kes efueS DeLeJee Gmeer DeJeefOe kes oewjeve
veeces efkeS ieS yeepe keer Jemetueer nsleg pecee jeefMe Mes<e veneR nes lees Ssmes KeeleeW kees
Deefveeefcele Keeles keer esCeer ceW ceevee peeesiee.
Common Equity Tier I capital to Total RWA: 8.95%
An OD/CC account is treated as out of order if the

outstanding balance remains continuously in excess of
the sanctioned limit/drawing power for more than 90 days.
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 Balance Sheet or credits are not enough
to cover the interest debited during the same period, these
accounts are treated as out of order.
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.
Non Performing Investments (NPI):

In respect of securities, where interest/principal is in

arrears, the Bank does not reckon income on the securities
and makes appropriate provisions for the depreciation in
the value of the investment.
A non-performing investment (NPI), similar to a nonperforming advance (NPA), is one where:

(i) Interest/ installment (including maturity proceeds) is
due and remains unpaid for more than 90 days.
(ii)
en DeefOeceeveer MesejeW Hej peneB efveOee&efjle ueeYeebMe kee Yegieleeve venerb

efkeee ieee nw, DeeJeMeke HeefjJele&veeW meefnle ueeiet neslee nw.
(ii) This applies mutatis-mutandis to preference shares

where the fixed dividend is not paid.
(iii)
FeqkeJeer MesejeW kes ceeceues ceW, peneB efkemeer kebHeveer kes MesejeW kes efveJesMe
kejves Hej cetue eefle kebHeveer 1/- hees efkeee ieee nw. Yeejleere
efj]peJe& yeQke kes efveosMeeW kes Devegmeej Deeleve legueve He$e keer DevegHeueyOelee
kes keejCe Gve FeqkeJeer Mesejesb keer ieCevee Yeer SveHeerDeeF& kes He ceW
keer peeleer nw.
(iii) 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 nonavailability of the latest balance sheet in accordance
with the Reserve Bank of India instructions. Those
equity shares are also reckoned as NPI.
182

(iv)
eefo efveie&cekelee& eje eeHle keer ieF& keesF& $e+Ce megefJeOee yeQke keer yeefneeW
ceW SveHeerS nw lees Gme efveie&cekelee& eje DeefOeceeveer MesejeW meefnle peejer
keer ieF& efkemeer Yeer eefleYetefle ceW efveJesMe kees SveHeerDeeF& leLee efJeueescele:
ceevee peeSiee. leLeeefhe, eefo kesJeue DeefOeceeveer Mesej ner SveheerS kes he
ceW Jeieeake=le nQ lees Gme efveie&cekelee& eje peejer efkemeer Deve ceW efkeee
ieee efveJesMe SveheerS veneR ceevee peeSiee.
(iv) If any credit facility availed by the issuer is NPA in

the books of the bank, investment in any of the
securities, including preference shares issued by the
same issuer would also be treated as NPI and vice
versa. However, if only the preference shares are
classified as NPI , the investment in any of the other
performing issued by the same issuer may not be
treated as NPA.
(v)
ef[yeWej / yeeb[ ces efveJesMe pees efke Deefece kes He ceW ceeves peeles nQ, efveJesMe
Hej ueeiet nesves Jeeues SveHeerDeeF& ceeveob[eW kes DeOeOeerve nQ.
(v) The investments in debentures / bonds which are

deemed to be in the nature of advance are subjected
to NPI norms as applicable to investments.
yeQke keer iewj efve<Heeoke DeefmleeeW kees efvecveefueefKele -3- esefCeeeW ceW Jeieer&ke=le efkeee
ieee nw.
l
Non Performing Assets of the Bank are further

classified in to three categories as under:
DeJeceeveke Deeefmleeeb
DeJeceeveke Deeefmle mes DeefYeeee, Ssmeer Deeefmle mes nw pees efke 12 cenerveeW keer DeJeefOe
mes kece DeLeJee mecelegue DeJeefOe kes efueS iewj efve<heeoke Deeefmle jner nes.
Sub standard Assets
A sub standard asset is one which has remained NPA

for a period less than or equal to 12 months.
mebefoiOe Deeefmleeeb
efkemeer Yeer Deeefmle kees, 12 cenerveeW kes efueS DeJeceeveke esCeer ceW yeves jnves keer
efmLeefle ceW Gmes mebefoiOe kes he ceW Jeieeake=le efkeee peeesiee.
Doubtful Assets
An asset would be classified as doubtful if it has

remained in the sub standard category for 12 months.
Loss Assets
neefve Jeeueer Deeefmleeeb

neefve Jeeueer Deeefmle mes DeefYeeee Ssmeer Deeefmle mes nQ peneb neefve yeQke DeLeJee
Deebleefjke DeLeJee yeee uesKee hejer#ekeeW DeLeJee Yeejleere efjpeJe& yeQke kes efvejer#eCe
eje helee eueer nes. neefve Jeeueer DeeefmleeeW ceW GheueyOe eefleYetelf e kee Jemetueer eesie
cetue, yekeeee Mes<e / oseeW kee 10% mes DeefOeke veneR neslee nw.
A loss asset is one where loss has been identified

by the bank or by internal or external auditors or the
RBI inspection. In loss assets realizable value of
security available is less than 10% of balance
outstanding/ dues.
keee&veerefle SJeb eefeeeSb

yeQke keer, $e+Ce peeseKf ece eyebOeve kes cenlJehetCe& #es$eeW kees Meeefceue kejles ngS hetCe& he mes
heefjYeeef<ele $e+Ce veerelf e SJeb efveJesMe veerelf e nw, pees efke efvecveevegmeej nw :
DeLe&JeJemLee kes efJeefYeVe #es$eeW ceW Skemeheespej ($e+Ce) meerceeSb, $e+efCeeeW kes
efJeefYeVe ekeej Deewj Gvekes ieghe SJeb Geesie
2013-14
Strategies and Processes:

The bank has a well defined Loan Policy & Investment Policy
covering the important areas of credit risk management as
under:

Exposure ceilings to different sectors of the economy,

different types of borrowers and their group and industry
Fair Practice Code in dispensation of credit
$e+Ce efJelejCe ceW Gefele JeJenej mebefnlee
yeQke ceW efJeefYeVe mlejeW kes eeefOekeeefjeeW kes efueS $e+Ce eoeve kejves mebyebOeer
efJeJeskeeefOekeej
Discretionary Lending Powers for different levels of

authority of the bank
$e+Ce efJelejCe eefeee- mJeerke=efle hetJe& efvejer#eCe, DemJeerkeej kejvee, cetueebkeve,

mJeerke=efle, omleeJespeerkejCe, ceeveerefjbie Deewj Jemetueer Deeefo kes mebyebOe ceW
eefeeeSb
cetue efveOee&jCe
yeQke kee $e+Ce peesefKece oMe&ve, mebjevee Deewj eCeeueer efvecveevegmeej nw

$e+Ce peesefKece oMe&ve
peesefKece eyebOeve Fme ekeej efkeee peeS efke yeQke kes mebmeeOeveeW keer megj#ee,
keeheexjs Je=ef SJeb mece=ef megefveefMele kejves kes meeLe Mesej OeejkeeW
kes DeeefLe&ke cetue ceW ye{esejer nes leLee meYeer efnle OeejkeeW kes efnle mebjef#ele
neW.
yeQke Deheves efJeeere mebmeeOeveeW kees eefceke he mes megJeJeefmLele Deewj keejiej
yeveees leeefke efJeefYeVe ewveueeW kees hejmhej pees[e pee mekes leLee yeQke kes
meeceeve ue#eeW Deewj GsMeeW keer eeefhle keer pee mekes.
Processes involved in dispensation of credit presanction inspection, rejection, appraisal, sanction,

documentation, monitoring, and recovery.
Fixation of pricing.
The Credit Risk philosophy, architecture and systems of

the bank are as under:
Credit Risk Philosophy:

To optimize the risk and return envisaged in order to see

that the Economic Value Addition to Shareholders is
maximized and the interests of all the stakeholders are
protected alongside ensuring corporate growth and
prosperity with safety of banks resources.
To regulate and streamline the financial resources of the

bank in an orderly manner to enable the various channels
to incline and achieve the common goal and objectives of
the Bank.
183
DeLe&JeJemLee keer efJeefYeVe jeêre eeLeefcekeleeDeeW kees eespeveeye lejerkes

mes hetje kejves kes efueS mebmLeeiele efJee kes DeefYeefveeespeve kes ceeceues ceW
DeLe&JeJemLee kes efJeefYeVe Glheeoke #es$eeW ceW megefveeesefpele Je=ef mes ue#e eehle
efkeS peeSb.

2013-14
GeceJeej $e+Ce mebmke=efle efJekeefmele kejvee Deewj heefjeeueve me@He kees meneesie
eoeve kejvee.
efJeefYeVe $e+Ceer JeieeX kees DeeJeMekelee DeeOeeefjle Deewj mecee hej $e+Ce megefJeOee
GheueyOe kejJeevee.
mJeerke=eflehetJe&, mJeerke=efle Ghejeble ceeefveefjbie, hee&Jes#eCe Deewj DevegJeleea keoce
G"eles ngS $e+Ce eyebOeve keewMeue kees eYeeJeer yeveevee leeefke yeQke ceW keejiej
$e+Ce mebmke=efle efJekeefmele keer pee mekes leLee $e+Ce mebefJeYeeie kees iegCeJeee ege
yeveeee pee mekes.
iegCeJeee cetueebkeve SJeb lelhejlee kes meeLe efJemle=le efoMeeefveo&sMeeW kee hetCe&
Devegheeueve DeefOeke eYeeJehetCe& {bie mes kejles ngS $e+Ce emleeJeeW hej keee&Jeener
kejvee.
eqJeefYeVe efJeefveeeceke DeeJeMekeleeDeeW efJeMes<e he mes Yeejleere efjpeJe&
yeQke / Deve eeefOekeeefjeeW, SkemeHeespej ceeveob[eW, eeLeefcekelee eehle #es$e
kes ceeveob[eW, Deee heneeve Deewj Deeefmle JeieeakejCe efoMeeefveoxMe, hetbpeer
heee&hlelee, $e+Ce peesefKece eyebOeve efoMeeefveoxMeeW Deeefo keer Devegheeuevee kejvee.
yeQke keer mebjevee Deewj eCeeefueeeb
yeQke ceW peesefKece eyebOeve keee&keueeheeW keer osKejsKe leLee mecevJee

keeeex kes efueS yees[& eje efveosMekeeW keer Ske Ghemeefceefle kee ie"ve efkeee
ieee nw.

$e+Ce veerefleeeW meefnle efJeefYeVe $e+Ce peesefKece veerefleeeW kees leweej kejves Deewj
Gve kee efeeevJeeve megefveefMele kejves, $e+Ce eoeve kejves mebyebOeer veerefleeeW
Deewj yeQke keer GeceJeej peesefKece eyebOeve keeeex keer efveeefcele osKejsKe kejves
kes efueS $e+Ceveerefle meefceefle kee ie"ve efkeee ieee nw.
$e+Ce emleeJeeW kes ceevekeeW, efJeeere emebefJeoeDeeW, jsefbie ceevekeeW leLee yeWeceeke&
kes mebyebOe ceW ceeveke veerefleeeb leweej kejvee.
$e+Ce peesefKece eyebOeve ke#e efveOee&efjle meerceeDeeW kes lenle heneeve, mlej,
osKejsKe leLee $e+Ce peesefKece efveeb$eCe mebyebOeer keee& osKeles nQ.
yees[& / efveeecekeeW Deeefo eje leweej efkeS ieS peesefKece ceeveob[ leLee mebYeeJevee
meerceeDeeW kees ueeiet kejvee leLee Gvekee Devegheeueve megefveefMele kejvee.
peesefKece cetueebkeve eCeeefueeeW kees leweej kejvee, Sce DeeF& Sme kee efJekeeme
kejvee Deewj $e+Ce mebefJeYeeie keer iegCeJeee keer osKejsKe, mecemeeDeeW keer
heneeve leLee keceereeW kees hetje kejvee.
mebefJeYeeie cetueebkeve kejvee, DeLe&JeJemLee, Geesie hej legueveelceke efJeJesevee

leweej kejvee, $e+Ce mebefJeYeeie hej ueeeruesheve kee hejer#eCe kejvee.
efveOee&efjle efveeceeW Deewj ceeie& efveoxMeeW keer hetCe& he mes Devegheeuevee kes efueS
$e+Ce meghego&ieer eCeeueer ceW megOeej ueevee.
peeseK
f ece efjheexef ib e keer mebYeeJeveeSb Je eke=efle Deewj/DeLeJee Deekeueve heefle
yeQke kes heeme Deheves $e+Ce peesefKece kes efueS cepeyetle $e+Ce peesefKece jsefbie eCeeueer
GheueyOe nw. $e+Ce peesefKeceeW kees kece kejves kes eYeeJeer Gheeeesb ceW efkemeer Yeer Deeefmle
efJeMes<e ceW peesefKece keer mebYeeJeveeDeeW kee helee ueieevee, meg{ Deeefmle iegCeJelee osKejsKe,
yeQke keer mecee keee&veerefle Deewj $e+Ceveerefle kes Deveghe Dehesef#ele peesefKece efjve&
ceeveob[eW kees hetje kejves kes efueS DeeefmleeeW keer keerceleeW kees ueeeruee yeveevee Meeefceue nw.
184
To comply with the national priorities in the matter of

deployment of institutional finance to facilitate achieving
planned growth in various productive sectors of the
economy.
To instill a sense of credit culture enterprise-wide and to

assist the operating staff.
To provide need-based and timely availability of credit to

various borrower segments.
To strengthen the credit management skills namely presanction, post-sanction monitoring, supervision and followup measures so as to promote a healthy credit culture and
maintain quality credit portfolio in the bank.
To deal with credit proposals more effectively with quality

assessment, speedy delivery, in full compliance with extant
guidelines.
To comply with various regulatory requirements, more

particularly on Exposure norms, Priority Sector norms,
Income Recognition and Asset Classification guidelines,
Capital Adequacy, Credit Risk Management guidelines
etc. of RBI/other Authorities.
Architecture and Systems of the Bank:

A Sub-Committee of Directors has been constituted by

the Board to specifically oversee and co-ordinate Risk
Management functions in the bank.
Credit Policy Committee has been set up to formulate

and implement various credit risk strategy including
lending policies and to monitor Banks Enterprise-wide
Risk Management function on a regular basis.
Formulating policies on standards for credit proposals,

financial covenants, rating standards and benchmarks.
Credit Risk Management cells deal with identification,

measurement, monitoring and controlling credit risk
within the prescribed limits.
Enforcement and compliance of the risk parameters and

prudential limits set by the Board/regulator etc.,
Laying down risk assessment systems, developing MIS,

monitoring quality of loan portfolio, identification of
problems and correction of deficiencies.
Evaluation of Portfolio, conducting comprehensive

studies on economy, industry, test the resilience on the
loan portfolio etc.,
Improving credit delivery system upon full compliance of

laid down norms and guidelines.
The Scope and Nature of Risk Reporting and / or

Measurement System:
The Bank has in place a robust credit risk rating system for its
credit exposures. An effective way to mitigate credit risks is to
identify potential risks in a particular asset, maintain healthy
asset quality and at the same time impart flexibility in pricing
assets to meet the required risk-return parameters as per the
banks overall strategy and credit policy.
2013-14
yeQke keer cepeyetle $e+Ce peeseKf ece jsef ib e eCeeueer Devleje&e^ r e mlej hej Deheveees pee jns
mJehe Deewj efJee keer cenlJehetCe& eefeeeDeeW hej DeeOeeefjle nw Deewj en yeQke kees $e+Ce
DeeefmleeeW ceW etke keer mebYeeJeveeDeeW kee efveOee&jCe kejves leLee etke keer iebYeerjlee kee helee
ueieeves ceW meneesie kejleer nw Deewj Fme ekeej en eCeeueer yeQke kees heefle efvecee&Ce leLee
Deeefmle iegCeJeee kees yejkejej jKeves ceW ceoo kejleer nw.
The banks robust credit risk rating system is based on

internationally adopted frameworks and global best practices
and assists the bank in determining the Probability of Default
and the severity of default, among its loan assets and thus
allows the bank to build systems and initiate measures to
maintain its asset quality.
$e+Ce peesefKece kes mebyebOe ceW cee$eelceke ekeerkejCe
Quantitative Disclosures in respect of Credit Risk:-
(ke) kegue mekeue $e+Ce peeseK

f ece Skemeheespej
(b) Total Gross Credit Risk Exposure:

(jeefMe ueeKe ceW / Amt in lks)
efJeJejCe
efveefOe DeeOeeefjle
iewjefveefOe DeeOeeefjle
Particulars
Fund Based
Total Gross Credit Risk : (Gross Advances)
40370406.01
6403901.72
Less : Deduction
669824.93
1485133.75
Total Net Advances
39700581.08
4918767.96
(Ke) Skemeheespej kee Yeewieeseuf eke mebeJf elejCe, (efveefOe DeeOeeefjle leLee iewj DeeOeeefjle
Deueie-Deueie)
Non-Fund Based
(c) Geographic distribution of exposures, (Fund based

and Non-fund based separately)
(jeefMe ueeKe ceW / Amt in lks)
efJeJejCe
Particulars
Fund Based
Non-Fund Based
kegue mekeue $e+Ce peeseKf ece : (yekeeee mekeue Deefece) (Iejsuet)
27785930.31
4966318.91
kegue mekeue $e+Ce peeseKf ece : (yekeeee mekeue Deefece) (efJeosMeer)
12584475.70
1437582.81
Total Gross Credit Risk : (Outstanding Gross Advances) (Domestic)

Total Gross Credit Risk : (Outstanding Gross Advances) (Overseas)
(ie) Skemeheespej kee Geesie eFhe mebeJf elejCe (Iejsuet) (efveefOe DeeOeeefjle leLee
iewjefveefOe DeeOeeefjle Deueie-Deueie)
e.
Geesie
Sr.
Keveve SJeb GlKeveve
(d) Industry type distribution of exposures (Domestic)

(Fund based and Non-fund based separately):
Industry
255796.02
73819.28
329615.30
Fund based Non Fund Based

Mining and Quarrying
kegue
Total
S.1
keeseuee
A.1
Coal
27502.29
8236.20
35738.49
S.2
Deve
A.2
Other
228293.73
65583.08
293876.80
yeer.
Keee emebmkejCe
B.
Food Processing
729000.04
153013.47
882013.51
yeer.1
eerveer
B.1
Sugar
202830.04
1345.18
204175.22
yeer.2
Keee lesue SJeb Jevemheefle
B.2
Edible Oils and Vanaspati
78979.45
104493.43
183472.88
yeer.3
eee
B.3
TEA
7113.15
264.42
7377.57
yeer.4
keeHeer
B.4
Coffee
1165.56
0.00
1165.56
yeer.5
Deve
B.5
Others
438911.84
46910.44
485822.28
meer.
hese heoeLe&
C.
Beverages
64422.68
7779.87
72202.55
meer.1
lecyeeket SJeb lecyeeket Glheeo
C.1
Tobacco and tobacco products
19299.68
6248.94
25548.62
meer.2
Deve
C.2
Others
45123.01
1530.93
46653.94
[er.
wkemeeFue
D.
Textiles
1410142.47
191714.67
1601857.14
[er.1
keeve wkemeeFue
D.1
Cotton Textile
656121.52
40852.77
696974.29
[er.2
pet wkemeeFue
D.2
Jute Textile
16420.88
4276.11
20696.99
[er.3
nmleefMeuhe / Keeoer
D.3
Handicraft/Khadi
31038.12
1322.98
32361.10
185
2013-14
e.
Geesie
Sr.
[er.4
efmeuke
D.4
[er.5
Jetueve
[er.6
Deve
Industry
Silk
25867.42
1920.67
27788.09
D.5
Woollen
42116.64
2087.35
44203.99
D.6
Others
638577.89
141254.79
779832.68
Out of D to spinning Mills
357217.48
28264.36
385481.84
[er ceW mes eqmheeEveie efceume
kegue
Total
F&.
ece[e Deewj ece[e Glheeo
E.
Leather and Leather products
46247.50
4022.11
50269.61
SHe.
kee<" SJeb kee<" Glheeo
F.
Wood and Wood products
58561.57
11810.14
70371.71
peer.
keeiepe SJeb keeiepe Glheeo
G.
Paper and Paper products
171960.90
35401.74
207362.64
Se.
hesêsefueece
H.
Petroleum
334570.19
218325.12
552895.31
Deee.
jmeeeve Deewj jmeeeve Glheeo
I.
Chemicals and Chemical Products
903120.42
277032.31
1180152.73
Deee.1
GJe&jke
I.1.
Fertilizers
168393.66
124176.26
292569.92
Deee.2
[îe SJeb Heecee&metefkeue
I.2
Drugs and Pharmaceuticals
262541.24
35414.67
297955.91
Deee.3
hesês-kesceerkeume
I.3
Petro-Chemicals
75949.76
26180.54
102130.30
Deee.4
Deve
I.4
Other
396235.76
91260.83
487496.60
pes.
jye[ hueeeqmke SJeb Deve Glheeo
J.
Rubber Plastic and their Products
345091.36
60933.09
406024.45
kes.
iueeme SJeb iueemeJesej
K.
Glass and Glassware
122777.49
31153.66
153931.15
Sue.
meerceW SJeb meerceW Glheeo
L.
Cement and Cement Products
144325.05
20048.14
164373.20
Sce.
cetue Oeeleg SJeb Oeeleg Glheeo
M.
Basic Metal and Metal Products
1618108.49
439124.59
2057233.08
Sce.1
ueewn SJeb merue
M.1
Iron and Steel
1294811.47
326457.54
1621269.01
Sce.2
Deve Oeeleg SJeb Oeeleg Glheeo
M.2
Other Metal and Metal Products
323297.02
112667.05
435964.08
Sve.
mecemle FbpeerefveeeEjie
N.
All Engineering
794641.81
531840.61
1326482.42
Sve.1
Fuewkeêsefvekeme
N.1
Electronics
158071.22
68433.23
226504.45
Sve.2
Deve FbpeerefveeeEjie
N.2
Other Engg
636570.59
463407.38
1099977.97
Dees.
Jeenve, Jeenve hegpex Deewj heefjJenve Ghemkej
O.
Vehicles, vehicle parts and

Transport Equipments
148559.25
75168.58
223727.84
heer.
pescme SJeb pJewuejer
P.
Gems and Jewellery
176271.12
2650.96
178922.09
keet.
efvecee&Ce
Q.
Construction
692100.95
102940.01
795040.96
Deej.
mebjevee
R.
Infrastructure
3461063.15
764470.57
4225533.72
Deej.1
heefjJenve
R.1
Transport
847595.54
235857.00
1083452.55
Deej.1.1 jsueJes
R.1.1
Railways
4358.62
132.85
4491.48
Deej.1.2 me[ke heefjJenve
R.1.2
Roadways
668240.64
200536.14
868776.78
Deej.1.3 efJeceeveve
R.1.3 Aviation
54815.61
1285.46
56101.07
Deej.1.4 peue heefjJenve
R.1.4 Waterways
46430.53
4170.98
50601.51
Deej.1.5 Deve heefjJenve
R.1.5 Others Transport
73750.14
29731.58
103481.72
1875425.48
305981.81
2181407.28
1875148.52
300698.87
2175847.39
535978.79
16039.42
552018.21
Deej.2
Tpee&
Deej.2.1 efJeegle pesve-êbme--ef[mêryetMeve

Deej.2.1.1 FveceW mes jepe efyepeueer yees[&
186
R.2
Energy
R.2.1 Electricity gen-trans--distribution

R.2.1.1 of which state electricity Board
e.
Sr.
Geesie
Industry
2013-14
kegue
0.00
0.00
0.00
276.96
5282.94
5559.89
0.00
0.00
0.00

R.2.2 Oil
Deej.2.2 lesue
Deej.2.3 iewme / SueSvepeer (mesjspes SJeb heeFhe ueeFve) R.2.3 Gas/LNG (STORAGE AND PIPELINE)
R.2.4 Other
Deej.2.4 Deve
Total
Deej.3
sefuekecegefvekesMeve
R.3
Telecommunication
487275.73
98769.48
586045.21
Deej.4
Deve
R.4
others
250766.39
123862.28
374628.68
Deej.4.1 peue mJelee
R.4.1 Water Sanitation
17873.57
52328.40
70201.97
Deej.4.2 meeceeefpeke SJeb JeeefCeeqpeke mebjevee
R.4.2 Social and Commercial

Infrastructure
46755.80
16239.74
62995.53
Deej.4.3 Deve
R.4.3 Others
186137.03
55294.15
241431.17
403254.80
63561.40
466816.20
Sme.
S.
Deve Geesie
meYeer Geesie (kegue)
Other Industries
All Industries (Total)
11880015.27
3064810.34 14944825.62
Residuary other advances(not

included above)
15905915.04
1901508.57 17807423.60
Total Loans & Advances
27785930.31
4966318.91 32752249.22
GeesieeW ceW $e+Ce Skemehees]pej, peneb yekeeee Skemehees]pej yeQke kes kegue Iejsuet $e+Ce
Skemehees]pej kes 5% mes DeefOeke nw, Fme ekeej nw,
Credit exposure in industries where outstanding exposure

is more than 5% of the total domestic credit exposure of
the bank are as follows:
ece mebKee Geesie Industry

Sr no
Skemehees]pej jeefMe (ueeKe . ceW)
kegue Iejsuet Skemehees]pej kee %
2175847.39
6.64%
Exposure amt.
(in Lks.)
efJeegle peve-êvme--mebefJelejCe
Electricity gen-trans--distribution
e. DeeefmleeeW keer DeJeefMe heefjhekeJelee kee efJeues<eCe
f.
% of Total Domestic
Exposure
Residual maturity breakdown of assets:

(jeeqMe ueeKe ` ceW Amt in Lks)
meceeeJeefOe
Time
bucket
Deefece Advances
Iejsuet .
Iejsuet efJeosMeer
Domestic
cege
Rupee Domestic
Fgn
Currency
1 efove
1D
2-7 efove
efJeosMeer
Int'l
efveJesMe Investments
kegue (S)
Total (A)
Iejsuet
Domestic
efJeosMeer
Deve efJeosMeer cege Deeefmleeeb
Other Foreign Currency Assets
kegue (yeer)
Int'l
Iejsuet
Total (B) Domestic
efJeosMeer
Int'l
kegue (meer)
Total
(C )
2174911 2188638
kegue
Deeefmleeeb
eefleMele
%age
Total
Assets
(A+B+C)
200502
2853
154776
358132
94780
94780
13727
2-7 D
1018042
9977
552430
1580450
209538
92
209630
8-14 efove
8-14 D
285571
15109
389325
690005
34218
1036
35254
528201
528201
1253460
15-28 efove
15-28 D
630129
53036
941891
1625056
369510
1860
371370
59915
721387
781302
2777728
4.44
29 efove-90 efove 29-90 D
3533743
164832
2259512
5958087
494675
15824
510499
433185
2295311 2728496
9197082
14.68
3 cenerves-6 cenerves 3 - 6 M
1980257
119889
2571007
4671154
50211
44102
94313
554214
2233859 2788073
7553539
12.06
6 cenerves-12 cenerves 6 - 12 M
1141064 1251907
905028
905028
2641549
4.22
2695108
4.3
2115951
13699
833939
2963590
358091
30122
388213
110843
4603711
7.35
1 Je<e&-3 Je<e&
1-3Y
7581357
64937
3006102
10652395
1016067
169337
1185403
95908
95908
11933707
19.05
3 Je<e&-5 Je<e&
3-5Y
2351555
167
1024142
3375864
1279772
184859
1464631
13541
13541
4854036
7.75
7825848
7158685
98490
7257174
37346
37346
15120368
24.14
1171884 10146557 11318441
62630288
100
5 Je<e& mes DeefOeke Over 5 Y

kegue
TOTAL
7075193
95
750561
26772302
444594
12483685
39700581 11065545
545721 11611266
187
2013-14
(f) Amount of NPAs (Gross):
(e) SveheerS keer jeefMe (kegue)
jeeqMe ueeKe ` ceW / Amount in Rs. Lks
Sr. No.
Deeefmle esCeer
Sr. No.
eceebke
Asset Category
(She)
SveheerS (mekeue)
(f)
NPAs (Gross):
DeJeceeveke
Substandard
380920.07
mebefoiOe 1
Doubtful 1
411290.02
mebefoiOe 2
Doubtful 2
244631.42
mebefoiOe 3
Doubtful 3
30390.93
neefve
Loss
eceebke
(peer)
(Se)
Meg SveheerS
kegue
SveheerS Devegheele
(g)
(h)
Total
1187589.79
120357.35
Net NPAs
Total
602522.35
NPA Ratios
mekeue DeefeceeW ceW mekeue SveheerS
Gross NPAs to gross advances
2.94%
efveJeue Deefece ceW efveJeue SveheerS
Net NPAs to net advances
1.52%
SveheerS (mekeue) kee cetJeceW
(i)
Movement of NPA(Gross)
eejbefYeke Mes<e
Opening balance
798258.33
pees[
Additions
683392.00
keceer
Reductions
294060.54
Deefvlece Mes<e
Closing balance
SveheerS kes efueS eeJeOeeve kee cetJeceW
(j)
Movement of provisions for NPAs
eejbefYeke Mes<e
Opening balance
379032.00
Je<e& kes oewjeve efkeee ieee eeJeOeeve
Provision made during the year
294758.00
yes Keeles/DeefOeke eeJeOeeve kee eefleuesKeve
Write off/ Write back of excess provision
Deefvlece Mes<e
Closing balance
iewj efve<heeoke efveJesMe
Non Performing Investments
(DeeF&)
(pes)
1187589.79
88722.56
585067.44
(kes)
iewj efve<heeoke efveJesMe keer jeeqMe
(k)
Amount of Non-Performing Investments
46270.56
(Sue)
iewj efve<heeoke efveJesMe kes efueS jKes iees eeJeOeeve

keer jeeqMe
(l)
Amount of provisions held for nonperforming investment
35347.10
(Sce)
efveJesMe hej cetueeme nsleg eeJeOeeveeW kee cetJeceW
(m)
Movement of provisions for

depreciation on investments
eejbefYeke Mes<e
Opening balance
DeJeefOe kes oewjeve efkeee ieee eeJeOeeve
Provisions made during the period
eefleuesKeve
Write-back
14057.00
Deefvlece Mes<e
Closing balance
37725.00
188
32301.00
7377.00

[erSHe 4 : $e+Ce peeseKf ece : ceevekeerke=le heefle kes lenle heesH& eeseuf eees nsleg
ekeerkejCe

ceevekeerrke=le heefle kes lenle yeQke, Yeejleere efjpeJe& yeQke eje Devegceesefole
meYeer F&meerSDeeF& (yeee $e+Ce cetueekeve mebmLeeve) eLee meerSDeejF&, efeefmeue,
efHee (Fbef[ee), Deewj DeeFmeerDeejS keer Iejsuet $e+Ce Skemeheespej nsleg jsefbie kees
mJeerkeej kejlee nw. efJeosMeer $e+Ce Skemeheespej kes efueS yeQke msC[[& SJeb hetDej,
cet[erHee keer jsefbie mJeerkeej kejlee nw.
yeQke, keeheexjs leLee meeJe&peefveke #es$e eefleeve kes GOeejkelee&DeeW kees

F&meerSDeeF& mes jsefbie uesves kees eeslmeeefnle kejlee nw Deewj peneB kenerb Ssmeer jsefbie
GheueyOe nw, JeneB peesefKece hej DeeefmleeeW keer ieCevee kes efueS Fve jsefbieeW kee
Gheeesie efkeee nw.efvecveefueefKele leerve ecegKe peesefKece mecetneW ceW ceevekeerke=le
heefle (cetueebefkele Deewj iewj cetueebefkele) kes Devegmeej peesefKece kece kejves kes
heeele, peesefKece jeefMeeeB Fme ekeej nQ.
2013-14
DF 4. Credit Risk : Disclosures for Portfolios Subject to

the Standardized Approaches
Under Standardized Approach the bank accepts rating of
all RBI approved ECAI (External Credit Assessment
Institution) namely CARE, CRISIL, Fitch (India), ICRA,
SMERA (SME Rating Agency of India Ltd.) and Brickwork
India Pvt Ltd for domestic credit exposures. For overseas
credit exposures the bank accepts rating of Standard &
Poor, Moodys and Fitch.

The bank encourages Corporate and Public Sector Entity

(PSE) borrowers to solicit credit ratings from ECAI and
has used these ratings for calculating risk weighted assets
wherever such ratings are available. The exposure
amounts after risk mitigation subject to Standardized
Approach (rated and unrated) in the following three major
risk buckets are as under:
peesefKece Yeej keer esCeer
Category of Risk Weight
kegue TOTAL
100% peesefKece Yeej mes kece
Below 100% risk weight
24606423.22
100% peesefKece Yeej
100% risk weight
14092169.86
100% peesefKece Yeej mes DeefOeke
More than 100 % risk weight
3789945.37
meerDeejSce keewleer
CRM DEDUCTED
4285769.28
kegue Skemehees]pej (SHe yeer+Sve SHe yeer)
Total Exposure ( FB+NFB)
[erSHe 5. Deefece peesefKece vetveerkejCe : ceevekeerke=le heefle kee

ekeerkejCe
ke. yeQke Deheves GOeejkelee&DeeW hej Skemeheespej (efveefOe DeeOeeefjle leLee
iewj efveefOe DeeOeeefjle) kees mebjef#ele kejves kes efueS efJeefYeVe ekeej keer
eefleYetefleeeB (pees efke mebheeefe&ke he ceW Yeer nes mekeleer nw) eehle kejles
nQw. yeQke ves Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej keg
Deefece peesefKece vetve kejves kes yeejs ceW Skemeheespej ceW keceer keer veerefle
kees Deheveeee nw, peneb keneR keeheexjs ieejber Deefece peesefKece vetve kejves
kes he ceW GheueyOe nw, Deefece peesefKece GheueyOe ieejber keer meercee leke
ieejberoeleeDeeW kees Debleefjle efkeee peelee nw. meeceevele: efvecveefueefKele
ekeej keer eefleYetefleeeB (cegKe eefleYetefleeeB DeLeJee mebHeeefe&ke eefleYetefleeeB)
ueer peeleer nQw.
46774307.73
DF 5. Credit risk mitigation: Disclosures for Standardized

Approaches

Bank obtains various types of securities (which may also

be termed as collaterals) to secure the exposures (Fund
based as well as Non-Fund based) on its borrowers. Bank
has adopted reduction of exposure in respect of certain
credit risk mitigant, as per RBI guidelines. Wherever
corporate guarantee is available as credit risk mitigant,
the credit risk is transferred to the guarantor to the extent
of guarantee available. Generally following types of
securities (whether as primary securities or collateral
securities) are taken:
1. Moveable assets like stocks, moveable machinery
etc.
1. me@ke, eue ceMeervejer Fleeefo pewmeer eue DeeefmleeeB.
2. Yetefce, efyeefu[bie, hueeb leLee ceMeervejer pewmeer Deeue DeefmleeeB.
3. Devegceesefole meteer kes Devegmeej Mesej
3.
Shares as per approved list
4. yeQke keer mJeeefOeke=le peceejeefMeeeB.
4.
Banks own deposits
5. jeêr e yeele eceeCehe$e, efkemeeve efJekeeme he$e, SueDeeFmeer hee@euf eefmeeeB,

kesvere/jepe mejkeejeW Deeefo eje peejer keer ieF& Heelf eYetelf eeeB Fleeefo
5. NSCs, KVPs, LIC policies, Securities issued by

Central & State Governments etc.
6. $e+Ce HeefleYetefleeeb - keefleHee Meleexb kes meeLe kesef[ jsefbie Spesvmeer eje
Devegceesefole
6. Debt securities - rated by approved credit rating

agency- with certain conditions
7. $e+Ce HeefleYetefleeeb -jseEie venerb keer ieF& keefleHee Melees kes meeLe Ske yeQke
eje peejer
7. Debt securities- not rated- issued by a bank- with

certain conditions
2. Immoveable assets like land, building, plant &

machinery.
189
2013-14
8. cetegDeue Heb[eW keer etefveW
8.
Units of Mutual funds
9. iewj efveefOe DeeOeeefjle megefJeOeeDeeW kes hess vekeoer ceeefpe&ve.
9.
Cash Margin against Non-fund based facilities
10. mJeCe& SJeb mJeCe& DeeYet<eCe
10. Gold and Gold Jewelry.
yeQke kes Heeme, yeQke kees eYeeefjle eefleYetefleeeW kes cetueebkeve kes mebyebOe ceW yesnlej
veerefle GHeueyOe nw.
The bank has well-laid out policy on valuation of securities

charged to the bank.
yeQke ves Thej ece mebKee 4 mes 10 hej GefuueefKele eefleYetefleeeW kees $e+Ce peesefKece
nsleg ceevekeerke=le heefle yeemesue-II kes Devleie&le $e+Ce peesefKece keceer keejke kes
he ceW efueee nw]
The securities mentioned at Sr. No. 4 to 10 above are

recognized as Credit Risk Mitigants for on-balance sheet
netting under Basel-II standardized approach for credit
risk, following Comprehensive Approach of Basel II norms.
yeQke kes $e+Ce peeseKf ece kes SJepe ceW ieejberoeleeDeeW kes ecegKe ekeej efvecveevegmeej nQ:
Jeweefkeleke (Jeefeiele ieejbefeeb)
The main types of guarantors against the credit risk of the

bank are:
keeheexjsdme / Heer Sme F&
kesvere mejkeej
Corporate/PSEs
jepe mejkeej
Central Government
F&meerpeermeer
State Government
meerpeererSceSmeF&
ECGC
meerDeejSce mebheeefe&ke ecegKele: yeQke keer mJeeb keer pecee-jeefMeeeW kes hess $e+CeeW
ceW Deewj mejkeejer eefleYetefleeeW, SueDeeF&meer hee@efueefmeeeW kes hess $e+CeeW ceW GheueyOe
nesles nQ DeLee&le es kegue meerDeejSce kee ecegKe Yeeie nesles nQ.
CGTMSE
Individuals (Personal guarantees)
meerDeejSce eefleYetelf eeeb, iewj efveefOe DeeOeeefjle megeJf eOeeDeeW pewmes ieejbef eeW Deewj
$e+Ce-he$eeW ceW Yeer ueer peeleer nQ.
CRM collaterals available in Loans Against Banks Own

Deposit and Loans against Government Securities, LIC
Policies constitute a major percentile of total CRM.
meerDeejSce eefleYetelf eeeb, iewj efveefOe DeeOeeefjle megeJf eOeeDeeW pewmes ieejbef eeW Deewj
$e+Ce-he$eeW ceW Yeer ueer peeleer nQ.
CRM securities are also taken in non fund based facilities

like Guarantees and Letters of Credit.
Eligible guarantors (as per Basel-II) available as CRM in

respect of Banks exposures are mainly Central/ State
Government, ECGC, CGTSI, Banks & Primary Dealers
with a lower risk weight than the counter party AND other
entities (mainly parent, subsidiary and affiliate companies)
rated AA(-) or better.
b.
For each credit risk portfolio, total exposure that is

covered by eligible financial collateral, after application
of haircut is as under:
yeQke kes Skemeheespeme& kes mebyebOe ceW meerDeejSce kes he ceW GheueyOe hee$e ieejbjesb
(yeemesue ~~ kes Devegmeej) ceW kesvere/jepe mejkeej, F&meerpeermeer, meerpeererSmeDeeF&,
keeGbj Heeer & keer DeHes#ee kece peeseKf ece Yeej Jeeues yeQke Je HeeLeefceke [eruej leLee
Deve mebmLeeSb (cegKele: HesjW , Deveg<ebieer leLee mebyeb kebHeefveeeb) efpevnW SS (-) ee
yesnlej jsef ib e oer ieF& nw, Meeefceue nQ.
Ke. eleske $e+Ce peeseKf ece mebeJf eYeeie kes efueS kegue Skemeheespej, pees efke hee$e efJeeere
mebheeefe&ke eje keJej efkeee ieee nw, ceeefpe&ve kees ueieeves kes heMeele efvecveevegmeej
nw:
efJeeere mebheeefe&ke (ceeefpe&ve heMeeled)
$e+Ce peeseK
f ece mebeJf eYeeie
Credit Risk Portfolio
osMeer ieejber
Domestic Sovereign
meeJe&peefveke #es$e FkeeFeeb
Public Sector Entities
yeQkeeW hej oeJes
Claims on Banks
kee@heexjs
Corporate
#es$eere efjsue mebeJf eYeeie
Reg Retail Portfolio
DeeJeemeere mebheefe
Residential Property
9107.69
JeeefCeefpeke efjeue Fms
Commercial Real Estate
4656.62
efJeefveefo<& eseCf eeeb
Specified Categories
Deve Deeefmleeeb
Other Assets
k] egue
TOTAL
190
Total Financial Collateral (post hair cut)

00
77436.26
105769.44
3143305.46
998943.09
56506.86
2595.50
4398320.92
Nature
mJehe
Details of exposures that are covered by Guarantees

(permitted by RBI)
d.
ie. SkemeheespejeW kee efJeJejCe, pees efke ieejbef eeW eje keJej efkeS ieS nQ, (Yeejleere
efj]peJe& yeQke eje Devegcele)
SS SC[ S
[erDeeF&meerpeermeer F&meerpeermeer meerpeerSheerSceSmeF& ieejber
DICGC
ECGC
2013-14
CGFTMSE
AA & A
Gty
jepe
mejkeej
ieejber
State
govt Gty
kesvere
mejkeej
ieejber
Central
govt gty
yeQke
ieejber
Gty by
Banks
osMeer ieejbefeeb
Domestic Sovereigns
0.00
0.00
0.00
0.00
0.00
0.00
0.00
meeJe&peefveke #es$e keer

FkeeFeeb
Public Sector Entity
0.00
46.31
0.00
0.00
345060.55
480209.19
263.67
yeQkeeW hej oeJes
Claims on Banks
0.00
0.00
0.00
0.00
0.00
0.00
0.00
kee@heexjs
Corporate
0.00 525547.97
125.35
0.00
3000.00
efJeefveeeceke efjsue
mebeJf eYeeie
Regulatory Retail
Portfolio
DeeJeemeere mebheefe
0.00 500020.49
110.74
37127.81
121522.74
0.00
0.00
0.00
15290.14
Residential Property
0.00
0.00
0.00
0.00
0.00
0.00
0.00
JeeefCeefpeke efjeue Fms Comml. Real Estate
0.00
0.00
0.00
0.00
0.00
0.00
0.00
efJeefveefo<& eseCf eeeb
Specified Categories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deve Deeefmleeeb
Other Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
k] egue
Total
110.74 562722.09
121648.09
0.00
348060.55
480209.19 515574.30
[erSHe 6. eefleYetleerkejCe
DF 6. Securitization:
ke. yeQke keer eefleYetefle veerefle nw efpemes yees[& eje Devegceesefole efkeee ieee nw. veerefle kes
Devegmeej eefleYetle efkees peeves Jeeues mebefJeYeeie keer eke=efle efjsue $e+Ce (DeeJeeme
$e+Ce, Dee@es $e+Ce, heefjmebheefeeeW kes hess Deefece, Jeweefeke $e+Ce leLee esef[
kee[&dme) SmeSmeDeeF& SJeb DeeOeejYetle heefjeespevee $e+Ce nQ.
a. The Bank has a Securitization Policy duly approved by its

Board. As per the Policy the nature of portfolio to be
securitized are retail loans (housing loans, auto loans, and
advance against properties, personal loans and credit
cards) SSI and Infrastructure projects loans.
efoveebke 31 ceee&, 2014 kees yeQke kes heeme Deheveer DeeefmleeeW kees eefleYetle kejves
kee keesF& ceeceuee veneR nw.
Ke. eefleYetleerkejCe kes mebyebOe ceW eefleOeeefjle Skemeheespej kee keesF& ceeceuee veneR nw.

yeQke eje Kejeros ieS eefleYeteflekejCe Skemeheespej keer jeefMe efvecveevegmeej nw:
efJeosMeer $e+Ce jsefbie kes Devegmeej
peesefKece Yeej esCeer
The Bank does not have any case of its assets securitized
as on 31st March 2014
e. There is no case of retained exposure in respect of

securitization

Risk weight category as per

external credit rating
Amount of securitization exposure purchased by the bank

is as under: (jeeqMe ueeKe ` ceW Amt in Lks)
yener cetue
Book
value
yeQefkebie yegke kes Devleie&le

jKeer ieeer jeefMe
Amt held under
banking book
peesefKece peesefKece meceeeesefpele

Yeej %
cetue
RW %
Risk adjusted
value
Metve / Nil
ie. yeQke keer Je<e& 2014-15 kes oewjeve Deheveer efkemeer Yeer ceeveke Deeefmle kee
eefleYeteflekejCe kejves keer keesF& eespevee veneR nw.
f.
[erSHe 7. Jeeheej yener ceW yeepeej peesefKece
DF 7. Market risk in trading book:
yeQke yeepeej peesefKece kees Ssmeer mebYeeJe neefve ceW Jeieeake=le kejlee nw pees yeepeej
cetueeW ceW eefleketue heefjefmLeefleeeW kes keejCe nes mekeleer nw. Jeeheej yener ceW
yeepeej peesefKece kes lenle efvecveefueefKele peesefKece eyebefOele efkeS peeles nQ:

yeepe oj peesefKece
The bank does not presently plan to securities any of its

standard assets during the year 2014-15
The Bank defines market risk as potential loss that the

Bank may incur due to adverse developments in market
prices. The following risks are managed under Market
Risk in trading book:
l
Interest Rate Risk
191

2013-14
kejWmeer peesefKece
l cetue peesefKece
peesefKece eyebOeve kes efueS yeQke kes efveosMeke ceb[ue ves efJeefYeVe meerceeSb efveOee&efjle
keer nQ pewmes mekeue efveheeve meerceeSb, neefvejesOeke meerceeSb, Deewj cetue peesefKece
meerceeSb. peesefKece meerceeSb, Kegueer yeepeejiele efmLeefleeeW mes GlheVe peesefKeceeW kees
efveebef$ele kejleer nQ. neefvejesOeke meercee, Jemetueerke=le Deewj DeJemetueerke=le neefveeeW kees Oeeve ceW
uesleer nw.
yeQke ves Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej JeJemeee mebefJeYeeie
hej yeepeej peesefKece mes mebyebefOele hetbpeer eYeej keerr ieCevee kejves kes efueS Ske
mecegefele heefle leweej keer nw eLee ceevekeerke=le DeJeefOe heefle. Fme ekeej
Deekeefuele hetbpeer eYeej kees peesefKece Yeeefjle DeeefmleeeW ceW heebleefjle efkeee ieee
nw. $e+Ce peesefKece kes efueS mekeue peesefKece Yeeefjle DeeefmleeeW, yeepeej peesefKece
Deewj heefjeeueve peesefKece kees yeemesue-III kes Devleie&le yeQke kes meerDeejSDeej
efveOee&jCe kejves kes efueS efnmeeye ceW efueee peelee nw.
l
efoveebke 31 ceee& 2014 kees yeepeej peesefKece (ceevekeerke=le DeJeefOe heefle kes
Devegmeej) mebyebOeer hetbpeer eYeej leLee peesefKece Jeeueer Deeefmleeeb efvecveevegmeej nQ.
Currency Risk
Price risk
To manage risk, Banks Board has laid down various limits

such as Aggregate Settlement limits, Stop loss limits and
Value at Risk limits. The risk limits help to check the risks
arising from open market positions. The stop loss limit
takes in to account realized and unrealized losses.
Bank has put in place a proper system for calculating

capital charge on Market Risk on Trading Portfolio as per
RBI Guidelines, viz., Standardized Duration Approach.
The capital charge thus calculated is converted into Risk
Weighted Assets. The aggregate Risk Weighted Assets
for credit risk, market risk and operational risk are taken
into consideration for calculating the Banks CRAR under
Basel-III
Risk Weighted Assets and Capital Charge on Market Risk

(as per Standardized Duration Approach) as on 31st March
2014 are as under:
9% Hej vetvelece hetbpeer eYeej
Minimum Capital Charge at 9% %
(Amt in Lks)
yeepe oj peesefKece
FefkeJeer efmLeefle peesefKece
efJeosMeer cege peesefKece
kegue hetbpeer eYeej
Interest Rate Risk

Equity Position Risk
Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej yeQke ves heefjeeueve peeseKf ece
nsleg hetpb eer DeeJeMekeleeDeeW kee Deekeueve kejves kes efueS DeeOeejYetle meteke heefle
Deheveeeer nw. cetue meteke heefle kes Devleie&le iele 3 Je<eeX keer Deewmele Deee kees
peeseKf ece Yeeefjle Deeefmle leke ueeves kees Oeeve ceW jKee ieee nw.
ke
yeepe oj peesefKece kees oes heefleeeW kes ceeOece mes efveOee&efjle Je ceeveerj
efkeee peelee nw.
(i)
peesefKece hej Deee (heejbheefjke Devlej efJeMuess<eCe) (DeuheeJeefOe):
Fme heefle kes lenle yeepe ojeW ceW heefjJele&veeW kee yeQke keer Meg yeepe
Deee hej he[ves Jeeues lelkeeue eYeeJe kee eqJeMues<eCe efkeee peelee nw.
peesefKece hej Deee kees efJeefYeVe heefjMeeW ceW efvecveevegmeej efJeMuesef<ele

efkeee ieee nw.
1. Deee jsKee peesefKece : DeeefmleeeW Deewj oseleeDeeW kes efueS 1%

meceeveeblej heefjJele&ve kee Devegceeve ueieeee ieee nw.
2. DeeefmleeeW kes efueS esCeer-Jeej efYeVe Deee heefjJele&veeW kee Devegceeve

ueieeee ieee nw Deewj es oseleeDeeW hej Yeer ueeiet nesles nQ.
3. Ssefleneefmeke eJe=efle kes Devegmeej DeeOeej peesefKece SJeb meceeefnle

efJekeuhe peesefKece kee Devegceeve ueieeee ieee nw.
(ii) FefkeJeer kee DeeefLe&ke cetue (DeJeefOe Devlej efJeues<eCe) (oerIee&JeefOe)
192
2025.00
Total Capital Charge
[erSHe 9. yeQefkebie yeefneeW ceW yeepe oj peesefKece (DeeF&DeejDeejyeeryeer)
71472.63
Foreign Exchange Risk
[erSHe 8. heefjeeueve peesefKece

102664.41
en keee& DeeefmleeeW SJeb oseleeDeeW keer mebMeesefOele DeJeefOe keer ieCevee

kejkes efkeee peelee nw leeefke FefkeJeer keer mebMeesefOele DeJeefOe kee
efveOee&jCe efkeee pee mekes.
176162.04
DF 8. Operational risk

In line with RBI guidelines, Bank has adopted the Basic

Indicator Approach to compute the capital requirements
for Operational Risk. Under Basic Indicator Approach,
average income of last 3 years is taken into consideration
for arriving at Risk Weighted Assets.
DF 9. Interest rate risk in the Banking Book (IRRBB)

a. The interest rate risk is measured and monitored
through two approaches:
(i) Earning at Risk (Traditional Gap Analysis) (Short
Term):

The immediate impact of the changes in the interest

rates on net interest income of the bank is analyzed
under this approach.
The Earning at Risk is analyzed under different

scenarios:
1. Yield curve risk: A parallel shift of 1% is assumed
for assets as well as liabilities.
2. Bucket wise different yield changes are
assumed for the assets and the same are
applied to the liabilities as well.
3. Basis risk and embedded option risk are
assumed as per historical trend.
(ii) Economic Value of Equity (Duration Gap Analysis)

(Long term)

Modified duration of assets and liabilities is computed
separately to finally arrive at the modified duration of
equity.

Fme heefle kees Deee ceW efoS HeefjJele&ve nsleg Deee jsKee ceW
meceevlej efMeHe ceevee peelee nw.
FefkeJeer kes DeeefLe&ke cetue Hej HeYeeJe kees pewmee Yeejleere efj]peJe&
yeQke ves efJeMuesef<ele efkeee nw, efveeefcele DeblejeueeW Hej 200 DeeOeej
Debkeere oj nsleg efJeMuesef<ele efkeee peelee nw.
mebyebefOele HeefjHekeJelee kes efueS yeepeej menye Deee kees mebMeesefOele
DeJeefOe keer ieCevee ceW Heegkele efkeee peelee nw.
yeQefkeie yeefneeW ceW yewke kes yeepe oj peesefKece kee efJeMues<eCe oesveeW Iejsuet
leLee efJeosMeer HeefjeeueveeW kes efueS efkeee peelee nw. Iejsuet HeefjeeueveeW kes
efueS FefkeJeer kes DeeefLe&ke cetue kee Deekeueve leLee efveiejeveer efleceener
DeeOeej Hej keer peeleer nw.
Ke. peesefKece hej Depe&ve

yeepe ojeW ceW 2 % keer Je=ef kes keejCe Ske Je<e& keer DeJeefOe nsleg SveDeeF&DeeF&
eYeeJe
efJeJejCe
oj mebJesoveMeerue
Deeefmleeeb (DeejSmeS)
oj mebJesoveMeerue
oseleeSb (DeejSmeSue)
DeeMeesefOele DeeefmleeeW
keer DeJeefOe (Sce[erS)
DeeMeesefOele oseleeDeeW
keer DeJeefOe (Sce[erSue)
DeeMeesefOele Deblej
DeJeefOe
SceJeerF& ceW % heefjJele&ve
peye yeepe oj ceW efvecve
heefjJele&ve nes
1%
2%
3%
NII impact for a period of One year due to 2% upward

movement in interest rates
A. Rate sensitive Liabilities
0-1M
12491357.10
1-3M
22837162.59
3-6M
13168607.93
6-12M
17754855.61
B. Rate Sensitive Assets
14317218.55
27480853.19
14195762.13
7767106.60
1825861.44
4643690.60
1027154.20
-9987749.01
C. Net gap(b-a)
Mid Point
0.5
4.5
11.5
10
7.5
2%
2%
2%
2%
Amount of Impact on Liabilites
239417.68
380619.38
164607.60
88774.28
Amount of Impact on Assets
274413.36
458014.22
177447.03
38835.53
34995.68
77394.84
12839.43
-49938.75
Annual Impact Period

Change in Interest Rate
Net Impact on NII

Total Impact on nii for One
Year
75291.20
Economic Value
Sr.No.
6-12 Sce
DeeefLe&ke cetue
analyzed for a 200 bps rate shock as required

by RBI.
Market linked yields for respective maturities
are used in the calculation of the Modified
Duration.

The analysis of banks Interest Rate Risk in Banking
Book (IRRBB) is done for both Domestic as well as
Overseas Operations. The Economic value of equity
for Domestic Operations is measured and monitored
on a quarterly basis.
b. Earning At Risk
3-6 Sce
S. oj mebJesoveMeerue oseleeSb
yeer. oj mebJesoveMeerue Deeefmleeeb
meer. efveJeue Deblej (yeer-S)
ceOe efyebog
Jeeef<e&ke eYeeJe DeJeefOe
yeepe oj ceW heefjJele&ve
oseleeDeeW hej eYeeefJele jeefMe
DeeefmleeeW hej eYeeefJele jeefMe
SveDeeF&DeeF& hej efveJeue eYeeJe
SveDeeF&DeeF& hej Ske Je<e& kes efueS kegue
eYeeJe
curve for a given change in the yield.
Impact on the Economic Value of Equity is also
1-3 Sce
Rate Sensitive Gap Report
This approach assumes parallel shift in the yield
0-1 Sce
oj mebJesoveMeeruelee Deblej efjhees&
e.meb.
2013-14
Rate Sensitive
Assets (RSA)
1961271.71
Yeejleere `
kegue
INR
RESIDUAL
Total
CURRENCIES
837158.95 27251825.51
3685126.05 47107793.51 80843175.74
Rate Sensitive
Liabilities (RSL)
1726930.29
600572.58 27174270.71
Particulars
peeryeerheer
GBP
etjes
EURO
etSme[er
USD
DeefJeefMe cege
2418892.65 43610029.92 75530696.15
Modified Duration
of Assets (MDA)
0.42
0.37
0.51
0.49
1.51
1.08
Modified Duration
of Liabilities (MDL)
0.76
0.30
0.64
0.64
1.22
0.98
Modified Duration
GAP
-0.25
0.15
-0.13
0.07
0.38
0.17
82.73
165.45
248.18
-5.64
-11.28
-16.93
-4.01
-8.02
-12.03
-315.75
-613.47
-947.21
% Change in
MVE when int rate
changes by
1%
2%
3%
11.12
22.23
33.35
-2.89
-5.78
-8.68
193
2013-14
[erSHe 10. heeflehe#eer $e+Ce peesefKece mes mebyebefOele Skemeheespejesb kes ef}S meeceeve
hekeerkejCe
DF 10. General Disclosures for Exposures Related to

Counterparty Credit Risk
heeflehe#eer $e+Ce peesefKece Gmes kene peelee nw efpemecesb heeflehe#eer vekeoer hekeen
kes HeeFve} efveheeve mes hen}s Dehevee mebkekenej hetje kej }slee nw, en
[sjerkesefke leLee heefleYetefle efkellehees<eCe mebkekenej kes ef}S peesefKece kee hecegKe
eesle nw. Fmeer hekeej }esve kes ceeOece mes $e+Ce peesefKece kes mebyebOe cesb yeQke
kee Skemeheespej kes meceeve ner peneb $e+Ce peesefKece mebyebOeer Skemeheespej Ske
he#eere nw Deewj Fmecesb GOeej osves kee}e yeQke neefve-peesefKece kee meecevee
kejlee nw, heeflehe#eer $e+Ce peesefKece efhe#eere nw DeLe&ele mebkekenej kee yeepeej
cetue heeflehe#eer mebkekenej mes Flej hee@peerefke ee efveiesefke nes mekelee nw Deewj
yeepeej Iekeesb kes mebe}ve kes meeLe ner efYevve nes mekelee nw.
Counterparty Credit Risk is defined as the risk that the

counterparty to a transaction could default before the final
settlement of the transactions cash flows and is the
primary source of risk for derivatives and securities
financing transactions. Unlike a Banks exposure to credit
risk through a loan, where the exposure to credit risk is
unilateral and only the lending bank faces the risk of loss,
the counterparty credit risk is bilateral in nature i.e. the
market value of the transaction can be positive or negative
to either counterparty to the transaction and varying over
time with the movement of underlying market factors.
etke kes mecee eefo mebkekenej ee heeflehe#eer kes meeLe mebkekenej hees&Heesef}eesb
cesb mekeejelceke DeeefLe&ke cetue heefjueef#ele nesles nQ lees DeeefLe&ke neefve G"eveer
he[ mekeleer nwb.
An economic loss would occur if the transactions or

portfolio of transactions with the counterparty has a
positive economic value at the time of default.
lees yeQke Deheves ieenkeesb kees [sjerkesefke Glheeoesb kes meceeve ner yengle mes Glheeo
Dee@Hej kejlee nw leeefke kes yeepe oj leLee cege mebyebOeer Deheveer Skemeheespej kes
meeLe }sve-osve kej mekesb Deewj [sjerkesefke kes ef}S heeef}le yeepeej cetue mes
DeefOeke ceeefpe&ve Deefpe&le kej mekesb. meYeer DeesJej o keeGbj [sjerkesefke heeflehe#eer
$e+Ce peesefKece keer Deesj }s peeles nwb efpevnsb efveeefcele Deblejeue hej yeQke cee@veerj
kejlee nw. Fve mebkekenejesb kes ef}S ceeefpe&ve $e+Ce peesefKece keer iegCekellee Deewj
cee$ee meeLe ner Fefkekeer hej keebefle heefle }eYe kees efnmeeye cesb ef}ee peelee nw.
Bank offers many products like derivative products to

customers to enable them to deal with their exposures to
interest rate and currencies and to earn a margin over the
ruling market price for the derivative. All over-the-counter
derivative leads to counterparty credit exposures which
bank monitors on a regular basis. The margin loaded for
these transactions also take into account of the quality and
quantity of the credit risk, and the desired return on equity.
The Banks exposure to counterparty credit Risk is covered

under its Counterparty Credit Risk Policy. Banks ensures
all the due diligence are to be adhered to viz. KYC norms,
satisfactory dealing, credit worthiness of the party before
extending any derivative products to the party and
accordingly decides the level of credit risk mitigation
required in the transaction.
heeflehe#eer $e+Ce peesefKece kees kece kejves leLee cee@veerj kejves kes ef}S,
keeheexjs kees efoS ieS Mes<e [sjerkesefke mebkekenejesb keer cee@veerefjbie ceeefmeke
DeeOeej hej keer peeleer nw Deewj yeQke keer efleceener DeeOeej hej.
To mitigate and monitor the counter party credit exposure,

the outstanding derivative transactions to corporate are
monitored on a monthly basis and that to the Banks on
quarterly basis.
Ke. iegCeelceke hekeerkejCe
b. Quantitative Disclosures
yeQke efhe#eere meceeeespeve kees ceevelee eoeve venerb kejlee nw. [sjerkesefke
Skemeheespej keer ieCevee kejb Skemeheespej cewLe[ kes DeeOeej hej keer peeleer nw
leLee 31.03.2014 kees yekeeee Mes<e veeres efoee pee jne nw-
yeQke kee heeflehe#eer $e+Ce peesefKece, heeflehe#eer $e+Ce peesefKece hee@ef}meer kes
Debleie&le kekej efkeee peelee nw. yeQke efkemeer heeer& kees [sjerkesefke Glheeo osves mes
hen}s megefveefMele kejlee nw efke meYeer iegCekelleeDeesb DeLe&ele keskeeF&meer
ceeveob[esb, meblegef<hetCe& kekenejesb, heeer& keer $e+Ce hee$elee kee hee}ve efkeee
peeS Deewj efHej leodvegmeej mebkekenej cesb Dehesef#ele $e+Ce peesefKece keceer kee
efveCe&e kejlee nw.
efJeJejCe
The Bank does not recognize bilateral netting. The

derivative exposure is calculated using Current Exposure
Method (CEM) and the balance out standing as on
31.03.2014 is given below:
(. }eKees cesb) (In INR Lks)
Particulars
keefuhele jeefMe
Jele&ceeve Skemeheespej
Notional Amounts
Current Exposure
Jeeeoe hee@jskeme mebefJeoeSb (14 efove mes kece DeLeJee

yejeyej)
Forward forex Contracts (less that or

equal to 14 dy)
1387257.00
29987.79
Jeeeoe hee@jskeme mebefJeoeSb (14 efove mes DeefOeke)
Forward forex Contracts (over 14 dy)
15700453.66
511880.07
cege efJekeuhe
Currency Options
87338.62
3220.44
heejmheefjke cege yeepe oj keer Deouee-yeoueer
Cross Currency Interest Rate Swap
32076.25
641.53
Skeue cege yeepe oj keer Deouee-yeoueer
Single Currency Int. Rate Swap
3849582.90
50394.89
194
2013-14
Table DF 11: Composition of Capital
meejCeer [erSHe-11- hetbpeer mebeespeve

e.meb.
ceo
Sr.No
Items
(jeefMe efceefueeve ` ceW) (Amt ` in Million)

hee$e jeefMe
yesme} III kes
meboYe& meb.
het
k
e&
JeJenejeW
kes
Ref No.
Eligible Amt
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
2
3
4
7
8
9
10
11
12
13
14
15
16
17
meeceeve F&efkeJeer erej 1 hetbpeer :

efueKele SJeb eejef#ele efveefOeeeb
hele#ele peejer keer ieF& efkeMes<eke
meeceeve Mesej hetbpeer leLee mebye me@ke
DeefOeMes<e (Mesej heerefceece)
mebye Depe&ve
Common Equity Tier 1 Capital :

instruments and reserves
mebefele Deve keeheke Deee (Deewj Deve

eejef#ele efveefOe )
hele#ele peejer keer ieF& hetbpeer pees
ejCeye he mes meerF&er 1 kes DeOeerve
nw. (keske} iewj meneesieer me@ke
kebheefveeesb kes ef}S }eiet)
meeke&peefveke #es$e cesb hetbpeeriele DeefYeoeve
kees 1 pevekejer, 2018 leke mebj#eCe
Deveg<ebefieeesb eje peejer keer ieF& leLee
le=leere he#e eje jKeer ieF& meeceeve
Mesej hetbpeer. (mecetn meerF&er 1 cesb Devegcele
heehle jeefMe)
efkeefveeeceke meceeeespeve mes hen}s
meeceeve F&efkeJeer erej-1 hetbpeer
meeceeve F&efkekeer erej-1 hetbpeer
efJeefveeeceke meceeeespeve
efkekeskehetCe& cetueebkeve meceeeespeve
Accumulated other comprehensive

income ( and other reserve)
Prudential Valuation Adjustment
0.00
0.00
meeKe (mebye kej oselee kee Meg)

yebOeke kes De}ekee Decetle& meskee DeefOekeej
(kej oselee kee Meg)
DeemLeefiele kej Deeefmleeeb
Goodwill (net of related tax liability)
0.00
0.00
Intangibles other than mortgageservice rights (net of tax liability)
0.00
0.00
Deferred tax assets
0.00
0.00
vekeoer hekeen yeeeke heejef#ele efveefOe

Devegceeefvele neefve nsleg keceer kes ef}S
heekeOeeve
efyeeer hej heefleYeteflekejCe }eYe.
Gefele cetue oseleeDeesb hej efvepeer $e+Ce
peesefKece cesb heefjkele&ve kes keejCe }eYe
ke neefve
heefjYeeef<ele }eYe hesMb eve efveefOe Meg Deeefmleeeb
efvepeer Mesejesb cesb efvekesMe (eefo efjhees&
efkeS ieS leg}vehe$e cesb egkelee hetbpeer kee
meceeeespeve hen}s mes ve efkeee nes.)
meeceeve F&efkekeer cesb heejmheefjke
ee@me Oeeefjlee
Cash-flow hedge reserve
0.00
0.00
0.00
0.00
Securitization Gain on sale
0.00
0.00
Gains & losses due to changes in own

credit risk on fair values liabilities
0.00
0.00
Defined-benefit pension fund net assets
3659.8
0.00
PART OF W
2.60
3.90
PART of S
104.00
155.99
{PART OF
P+Q+S}
Directly issued qualifying common

share capital plus related stock
surplus (share premium)
81451.02
0.00
A+D
Related Earnings
81193.64
0.00
168326.79
0.00
PART OF
C+E+F+G+J
0.00
0.00
0.00
0.00
0.00
0.00
330971.46
0.00
Directly issued capital subject to

phase out from CET1 (only applicable
to non-joint stock companies)
Public sector capital injections
grandfathered until 1 January 2018
Common Share capital issued by
subsidiaries and held by third parties
(amount allowed in group CET1)
Common Equity Tier 1 Capital
before regulatory adjustment
Common Equity Tier 1 Capital :
regulatory adjustment
Shortfall of provision to expected loss
Investment in own shares (if not

already netted off paid-in capital on
reported balance sheet)
Reciprocal cross holdings in common
equity
195
2013-14
e.meb.
ceo
Sr.No
Items

hee$e jeefMe
yesme} III kes
meboYe& meb.
het
k
e&
JeJenejeW
kes
Ref No.
Eligible Amt
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
18
19
20
21
22
23
24
25
26
26
Sa
26
yeer b
26
meer c
26
[er. d
27
28
196
yewbefkebie, efkelleere Deewj yeercee mebmLeeDeesb

keer hetbpeer cesb efvekesMe pees efkeefveeeceke
meceskeve #es$e, hee$e DeefOeke efyeee keer
efmLeefle mes yeenj nwb peneb peejer keer ieF&
Mesej hetbpeer mes yeQke keer efnmmesoejer 10%
mes DeefOeke venerb nw. (heejbYe cesb 10% mes
DeefOeke jeefMe)
yewbefkebie, efkelleere leLee yeercee mebmLeeDeesb kes
meeceeve me@ke cesb cenlkehetCe& efvekesMe pees
efkeefveeeceke meceskeve #es$e, hee$e DeefOeke
efyeee keer efmLeefle kes Meg mes yeenj nw.
(heejbYe cesb 10% mes DeefOeke keer jeefMe)
Investment in the capital of banking,

financial and insurance entities that
are outside the scope of regulatory
consolidation, net of eligible short
positions, where the bank does not
own more than 10% of the issued
share capital (amount above 10%
threshold)
0.00
0.00
3515.96
5273.94
0.00
0.00
0.00
0.00
related tax liability)

Amount exceeding the 15% threshold
0.00
0.00
of which : significant investments in

the common stock of financial entities
0.00
0.00
of which : mortgage servicing rights
0.00
0.00
of which : deferred tax assets arising

from temporary differences
0.00
0.00
836.00
1254.00
836.00
1254.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Significant investment in the common

stock of banking financial and
insurance entities that are outside
the scope of regulatory consolidation,
net of eligible short position (amount
above 10% threshold)
Mortgage servicing rights (amount
above 10% threshold)
yebOeke meskee (meefke&emf ebie) DeefOekeej (heejbYe

cesb 10% mes DeefOeke keer jeefMe)
DemLeeF& Deblejesb mes nesves kee}er DeemLeefiele Deferred tax assets arising from
kej Deeefmleeeb (heejbYe cesb 10% mes DeefOeke temporary differences
( amount above 10% threshold, net of
keer jeefMe mebyebeOf ele kej oselee kee Meg)
heejbefYeke 15% mes DeefOeke jeefMe.
efpemecesb mes efkelleere mebmLeeDeesb kes
meeceeve me@ke cesb cenlkehetCe& efvekesMe.
efpemecesb cesb yebOeke meskee DeefOekeej.
efpemecesb mes DemLeeF& Deblejesb mes nesves kee}er
DeemLeefiele kej oselee.
je<êre efkeefMe< efkeefveeeceke meceeeespeve
(26S + 26yeer + 26meer + 26[er )
efpemecesb mes Demecesefkele yeercee Deveg<ebefieeesb
keer F&efkekeer hetbpeer cesb efvekesMe
efpemecesb mes Demecesefkele iewj efkelleere
Deveg<ebefieeesb keer F&efkekeer hetbpeer cesb efvekesMe.
efpemecesb mes yengle meer efvepeer efkelleere
mebmLeeDeesb keer F&efkekeer hetbpeer cesb keceer pees
yeQke cesb mecesefkele venerb ngF& nw.
efpemecesb mes DeMeesefOele hesbMeve efveefOe
National specific regulatory

adjustment (26a+26b+26c+26d)
of which : Investment in the equity
capital of the unconsolidated
insurance subsidiaries
of which : Investment in the Equity
Capital of the unconsolidated nonfinancial subsidiaries
of which : Shortfall in the Equity
Capital of majority owned financial
entities which have not been
consolidated with the bank
of which : Unamortized pension funds
expenditure
Regulatory adjustment applied
to Common Equity Tier 1 due to
insufficient Tier 1 and Tier 2 to cover
deduction
keewleer kees kekej kejves kes ef}S Deheee&hle

erej 1 leLee erej 2 kes keejCe
meeceeve F&ekf ekeer erej 1 kes mebyebOe ceW
efkeefveeeceke meceeeespeve efkeee ieee
meeceeve F&efkekeer-1 efej-1 kes efueS Total regulatory adjustments to
Common equity Tier 1
keg} efkeefveeeceke meceeeespeve.
8118.36
e.meb.
ceo
Sr.No
Items
2013-14

hee$e jeefMe
yesme} III kes
meboYe& meb.
het
k
e&
JeJenejeW
kes
Eligible Amt
Ref No.
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
29
30
31
32
33
34
35
36
37
38
39
40
41
meeceeve F&efkekeer- efej 1 hetbpeer

(meerF&er-1)
Deefleefjkele erej-1 hetbpeer- ef}Kele.
hele#ele peejer efkeS ieS meehes#e
Deefleefjkele erej-1 ef}Kele leLee mebye
me@ke DeefOeMes<e (31 + 32)
efpemecesb mes }eiet }sKee ceevekeesb kes lenle
F&efkekeer kes he cesb keieeake=le efkeS ieS nwb.
efpemecesb mes }eiet }sKee ceevekeesb kes lenle
oseleeDeesb kes he cesb keieer&ke=le efkeS ieS
nwb. (MeeMkele $e+Ce ef}Kele)
Hespe DeeG Hee@ce&- Deefleefjkele efej-1
kes DeOeerve hele#e he mes peejer efkeS ieS
hetbpeeriele ef}Kele.
Deveg<ebefieeesb eje peejer efkeS ieS Deewj
Le[& heeer& eje jKes ieS (jeefMe keer
Devegceefle mecetn Ser-1 cesb keer ieF&
nw) Deefleefjkele efej-1 ef}Kele leLee
meerF&er-1 ef}Kele pees hebefe 5 cesb Meeefce}
venerb efkeS ieS nwb.)
efpemecesb mes Hespe DeeG kes DeOeerve
Deveg<ebefieeesb eje peejer keer ieF& jeefMe
efkeefveeeceke meceeeespeve kes hen}s
Deefleefje efej 1 hetbpeer
efvepeer Deefleefje efej 1 ef}Keleesb cesb
efvekesMe
Deefleefje efej 1 ef}Keleesb cesb
heejmheefjke heefleOeejlee
yewekf ebie, efkelleere Deewj yeercee mebmLeeDeesb pees
efkeefveeeceke meceskeve #es$e mes yeenj nw leLee
peneb yeQke keer efnmmesoejer peejer keer ieF&
mebmLee keer meeceeve Mesej hetpb eer cesb 10%
mes DeefOeke venerb nw. keer hetpb eer cesb efvekesMe
(eejbYe ceW 10% mes DeefOeke jeefMe)
Common Equity Tier 1 Capital

(CET 1)
322853.11
Additional Tier 1 capital : instruments

Directly issued qualifying Additional
Tier 1 instruments plus related stock
surplus (31+32)
of which : classified as equity under
applicable accounting standards
(PNCPS)
of which : classified as liabilities under
applicable accounting standards
(Perpetual Debt Instruments)
Directly issued capital instruments
subject to phase out form Additional
Tier 1
Additional Tier 1 instruments (and
CET 1 instruments not included in row
5) issued by subsidiaries and held by
third parties (amount allowed in group
AT1)
0.00
0.00
0.00
0.00
0.00
0.00
15293.60
er (mebj#eCe kes yeeo)
3823.40 T (after grand

fathering)
0.00
0.00
of which : amount issued by

subsidiaries subject to phase out
0.00
0.00
Additional Tier 1 capital before

regulatory adjustment
15293.6
Investments in own Additional Tier 1

instruments
Reciprocal cross-holdings in
Additional Tier 1 instruments
Investments in the capital of banking,

consolidation where the bank does
not own more than 10% of the issued
common share capital of the entity
(amount above 10% threshold)
Significant investments in the capital
yewbefkebie, efkelleere leLee yeercee mebmLeeDeesb
of banking, financial and insurance
keer hetbpeer pees efkeefveeeceke meceskeve kes
entities that are outside the scope
#es$e mes yeenj nw, cesb cenlkehetCe& efvekesMe. of regulatory consolidation (net of
(hee$e Mee@& heespeerMeve kee efveke})
eligible short position)
efkeefMe< je<êre efkeefveeeceke meceeeespeve National specific regulatory
adjustment (41a+41b)
(41S+41yeer)
0.00
0.00
198.08
297.12
0.00
0.00
0.00
0.00
3263.97
0.00
{PART OF
P+Q+S}
197
2013-14
e.meb.
ceo
Sr.No
Items

meboYe& meb.
hee$e jeefMe
yesme} III kes
het
k
e&
JeJenejeW
kes
Eligible Amt
Ref No.
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
41
S.
Demecesefkele yeercee Deveg<ebefieeesb keer

Deefleefje efej 1 keer hetbpeer cesb efvekesMe
41yeer b DeefOekelej efvepeer efkelleere mebmLeeDeesb keer
Deefleefje efej 1 keer hetbpeer cesb keceer,

pees yeQke kes meeLe mecesefkele venerb nw.
heer yemes} III êrcesb kes DeOeerve (ke=heee

efhheCeer kee}s kee@}ce cesb ef}Kes) jeefMe kes
mebyebOe cesb Deefleefje efej 1 kees ueeiet
efkeefveeeceke meceeeespeve
efpemecesb mes meeKe Deewj Decetle& Deeefmleeeb
efpemecesb mes Deveg<ebefieeesb cesb efvekesMe

(Deveg<ebefieeesb mes }eee ieee.)
efpemecesb mes meYeer DeemLeefiele kej Deeefmleee
keewleer kees kekej kejves kes ef}S Deheee&hle
efej 2 kes keejCe Deefleefje efej 1 ceW
}eiet efkeS ieS efkeefveeeceke meceeeespeve
Deefleefje efej 1 hetbpeer kes ef}S keg}
Deefleefje efej 1 hetbpeer (Ser1)hetbpeer
hetbpeer hee&ehlelee nsleg Deefleefje efej 1
hetbpeer (SerSke) keer ieCevee
efej 1 hetbpeer (er1 = meerF&er1 +
mkeerkeee& Ser1)
hele#ele peejer efkeS meehes#e efej 2 ef}
Kele leLee mebye me@ke DeefOeMes<e
hele#ele peejer efkeS ieS hetpb eeriele ef}Kele
pees Hespe DeeG Heece& 2 kes DeOeerve nw ( )
42
43
44
44S.
a
45
46
47
48
49
50
198
Investments in the Additional Tier 1

capital of unconsolidated insurance
subsidiaries
Shortfall in the Additional Tier 1
capital of majority owned financial
entities which have not been
consolidated with the bank
Regulatory adjustments applied
to Additional Tier 1 in respect of
amounts subject to Pre-Basel III
treatment (please specify the details
in remarks column)
of which : Goodwill And Intangible
Assets
of which : Investment in Subsidiaries
c/f from Subsidiaries
0.00
0.00
3263.97
0.00
0.00
0.00
0.00
0.00
PART OF L
3263.97
0.00
PART OF R
of which : All Deferred Tax Assets
0.00
0.00
PART OF M
Regulatory adjustments applied to

Additional Tier 1 due to insufficient
Tier 2 to cover deductions
0.00
0.00
Total regulatory adjustments to

Additional Tier 1 capital
Additional Tier 1 capital (AT1) capital
11831.55
Additional Tier 1 capital (AT1)

reckoned for capital adequacy
11831.55
Tier 1 capital (T1 = CET1 +

Admissible AT1)
Directly issued qualifying Tier 2
instruments plus related stock surplus
Directly issued capital instruments

subject to phase out from Tier 2
(
)
efej 2 ef}Kele (leLee meerF&er1 ke Ser1 Tier 2 instruments (and CET1 and
ef}Kele pees hebefe 5 ee 34 cesb Meeefce} AT1 instruments not included in rows
venerb efkeS ieS nw. Deveg<ebefieeesb eje peejer 5 or 34) issued by subsidiaries and
held by third parties (amount allowed
efkeS ieS leLee Le[& heeef&eesb eje jKes
in group Tier 2)
ieS (jeefMe keer Devegceefle eghe efej 2 cesb

oer ieF& nw).
efpemecesb mes Deveg<ebefieeesb eje peejer efkeS
ieS ef}Kele (Hespe DeeG kes DeOeerve)
heekeOeeve (hegvece&tueeefkeble heejbefYele efveefOe
efej 2 cesb Meeefce} keer ieF& nw.) ( )
3462.05
of which: instruments issued by

subsidiaries subject to phase out
Provisions (Revaluation Reserve
included in Tier 2) (
)
334684.66
20000.00
0.00
62209.20
15552.30
0.00
0.00
0.00
0.00
29833.83
0.00
PART OF
T+V
PART OF
C {45% of
10526.1} +
PART of W
e.meb.
ceo
Sr.No
Items
2013-14

hee$e jeefMe
yesme} III kes
meboYe& meb.
het
k
e&
JeJenejeW
kes
Eligible Amt
Ref No.
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
51
52
53
54
55
56
56
Sa
efej 2 hetbpeer efkeefveeeceke

meceeeespeve mes hen}s
efvepeer efej 2 ef}Keleesb cesb efvekesMe
efej 2 ef}Keleesb cesb heejmheefjke
heefleOeejlee
yewbefkebie, efkelleere Skeb yeercee mebmLeeDeeW keer
hetbpeer cesb efvekesMe, efveeeceke meceskeve kes
#es$e mes yeenj nQ. pene mebmLee keer peejer
keer ieF& meeceeve Mesej hetbpeer mes yeQke keer
efnmmesoejer 10% mes DeefOeke venerb nwb.
(eejbYe ceW 10% mes DeefOeke jeefMe)
yewbefkebie, efkelleere Skeb yeercee mebmLeeDeeW
keer hetbpeer cesb cenlkehetCe& efvekesMe, pees
efkeefveeeceke meceskeve kes #es$e mes yeenj nw
(hee$e DeefOeefkeee efmLeefle kee efveke})
efpemecesb mes : Deheveer efvepeer hetCe& efkelleere

mebmLeeDeesb keer efej 2 hetbpeer cesb keceer, pees
yeQke kes meeLe mecesefkele venerb keer ieF& nw
56
heer-yeemes} 3 êrcesb kes DeOeOeerve

jeefMe kes mebyebOe cesb efej 2 ceW }eiet
efej 2 hetbpeer ceW keg} efkeefveeeceke
meceeeespeve
efej 2 hetbpeer
hetbpeer hee&ehlelee kes ef}S ieCevee keer ieF&
efej 2 hetbpeer
efej 2 hetbpeer kes he cesb ieCevee keer peeves
kee}er keesF& Deefleefje efej 1 hetbpeer
hetbpeer hee&ehlelee kes ef}S mkeerkeee& keg}
efej 2 hetbpeer (58S + 58yeer)
keg} hetbpeer (keg} hetbpeer = er1 + er2)
(45 + 58 meer)
keg} peesefKece Yeeefjle Deeefmleeeb (60S
+ 60yeer + 60meer)
efpemecesb mes : keg} $e+Ce peesefKece Yeeefjle
Deeefmleeeb
57
58
58
Sa
58
yeer b
58
meer c
59
60
60
Sa
Investments in own Tier 2 instruments

Reciprocal cross-holdings in Tier 2
instruments
Investments in the capital of banking,
consolidation where the bank does
not own more than 10% of the issued
common share capital of the entity
(amount above 10% threshold)
Significant investments in the capital

banking, financial and insurance
entities that are outside the scope
of regulatory consolidation (net of
eligible short positions)
National
specific regulatory
jeêre efkeefMe< efkeefveeeceke meceeeespeve
adjustments (56a+56b)
(56a+56b)
efpemecesb mes : Demecesefkele Deveg<ebefieeesb keer of which: Investments in the Tier 2
capital of unconsolidated subsidiaries
efej 2 hetbpeer cesb efvekesMe
56
yeer b
meer c
Tier 2 capital before regulatory

adjustments
of which: Shortfall in the Tier 2 capital

of majority owned financial entities
which have not been consolidated
with the bank
Regulatory Adjustments Applied To
Tier 2 in respect of Amounts Subject
to Pre-Basel III Treatment
Total regulatory adjustments to
Tier 2 capital
112043.03
0.00
0.00
538.28
807.42
0.00
0.00
0.00
0.00
3263.97
0.00
0.00
0.00
0.00
0.00
3263.97
0.00
PART OF R
3802.25
Tier 2 capital
108240.78
Tier 2 Capital reckoned for Capital

Adequacy
108240.78
0.00
0.00
0.00
Any Excess Additional Tier 1 capital to

be reckoned as Tier 2 capital
{PART OF
Q+S}
Total Tier 2 Capital admissible for

capital adequacy (58a+58b)
108240.78
Total Capital (TC = T1 + T2)

(45+58c)
442925.43
Total risk weighted assets (60a +

60b + 60c)
3605491.65
of which: total credit risk weighted

assets
3193319.45
0.00
199
2013-14
e.meb.
ceo
Sr.No
Items

hee$e jeefMe
yesme} III kes
meboYe& meb.
het
k
e&
JeJenejeW
kes
Eligible Amt
Ref No.
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
60
yeer b
60
meer c
61
62
63
64
65
66
67
68
69
70
71
72
73
200
efpemecesb mes : keg} yeepeej peesefKece

Yeeefjle Deeefmleeeb
efpemecesb mes : keg} heefjee}ve peesefKece
Yeeefjle Deeefmleeeb
hetbpeer Devegheele
meeceeve Fefkekeer efej 1 (peesefKece
Yeeefjle Deeefmleeesb kes heefleMele kes he cesb)
of which: total market risk weighted

assets
Common Equity Tier 1 (as a

percentage of risk weighted assets)
8.95
0.00
efej 1 (peesefKece Yeeefjle Deeefmleeesb kes

heefleMele kes he cesb)
keg} hetbpeer (peesefKece Yeeefjle Deeefmleeesb
kes heefleMele kes he cesb)
mebmLee efkeMes<e keer ye[er DeekeMekelee
(peesefKece Yeeefjle Deeefmleeesb keer heefleMele
kes he cesb hekeefle vetvelece meerF&er1
DeekeMekelee Deewj hetbpeer mebj#eCe leLee
heefleeeere ye[er DeekeMekelee)
Tier 1 (as a percentage of risk

weighted assets)
9.28
0.00
12.28
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
of which: total operational risk

weighted assets
0.00
216436.6
0.00
Capital ratios
Total capital (as a percentage of risk

weighted assets)
Institution specific buffer requirement

(minimum CET1 requirement
plus capital conservation and
countercyclical buffer requirements,
expressed as a percentage of risk
weighted assets)
efpemecesb mes : hetpb eer mebj#eCe ye[er DeekeMekelee of which: capital conservation buffer
requirement
efpemecesb mes : yeQke efkeMes<e keer heefleeeere of which: bank specific countercyclical
buffer requirement
ye[er DeekeMekelee
efpemecesb mes : peer-SmeDeeF&yeer ye[er

DeekeMekelee
ye[er DeekeMekelee kees hetje kejves kes
ef}S GheueyOe meeceeve Fefkekeer efej 1
(peesefKece Yeeefjle Deeefmleeesb kes heefleMele
kes he cesb)
je<êre vetvelece mlej (eefo yeemes} III
mes efYevve nes)
je<êre meeceeve Fefkekeer efej 1
vetvelece Devegheele (eefo yeemes} III
vetvelece mes efYev>e nes)
je<êre efej 1 vetvelece Devegheele (eefo
yeemes} III vetvelece mes efYe>ve nes)
je<êre keg} hetbpeer vetvelece Devegheele
(eefo yeemes} III vetvelece mes efYeve> nes)
keewleer kes ef}S efveefo
& meerceejsKee mes veeres
keer jeefMe (peeseKf ece Yeeefjlee mes hen}s)
Deve efkelleere mebmLeeDeeW keer hetbpeer cesb iewj
cenlkehetCe& efvekesMe
efkelleere FkeeFeesb kes meeceeve Mesej cesb
cenlkehetCe& efvekesMe
195735.60
of which: G-SIB buffer requirement

Common Equity Tier 1 available to
meet buffers (as a percentage of risk
weighted assets)
National minima (if different from

Basel III)
National Common Equity Tier 1

minimum ratio (if different from Basel
III minimum)
0.00
0.00
National Tier 1 minimum ratio (if

different from Basel III minimum)
0.00
0.00
National total capital minimum ratio (if

different from Basel III minimum)
0.00
0.00
Amounts below the thresholds for

deduction (before risk weighting)
Non-significant investments in the

capital of other financial entities
0.00
0.00
Significant investments in the

common stock of financial entities
0.00
0.00
e.meb.
ceo
Sr.No
Items
2013-14

hee$e jeefMe
yesme} III kes
meboYe& meb.
Ref No.
Eligible Amt hetke& JeJenejeW kes
DeOeerve jeefMe
Amounts
Subject to
Pre Basel III
Treatments
74
75
76
77
78
79
80
81
82
83
84
85
yebOeke meskee DeefOekeej (mebyebefOele kej

oseleeDeesb kee efveke})
DemLeeeer Deblejesb mes efvekeueer DeemLeefiele
kej Deeefmleeeb (mebyebefOele kej oseleeDeesb
kee efveke})
efej 2 cesb heekeOeeveesb kes meceekesMe hej
}eiet Gelece meercee
ceevekeerke=le heefle kes Skemeheespej kes
mebyebOe ceW efej 2 ceW meceeJesMe kes efueS
hee$e eeJeOeeve (Gelece meercee kes ueeiet
nesves mes hetJe&)
ceevekeerke=le heefle kes Debleie&le efej 2
cesb heekeOeeveesb kes meceekesMe keer Gelece
meercee (3193319.45 kee 1.25% )
Deebleefjke jsefbie DeeOeeefjle heefle kes
DeOeerve Skemeheespej kes meyebOe ceW efej
2 ceW meceeJesMe kes efueS hee$e eeJeOeeve
(Gelece meercee kes ueeiet nesves mes hetJe&)
Deebleefjke jsefbie DeeOeeefjle heefle
kes Debleie&le efej 2 cesb heekeOeeveesb kes
meceekesMeve kes ef}S Gelece meercee
ejCeye kekemLee kes DeOeerve hetbpeeriele
ef}Kele (keske} 31 ceee&, 2017 Skeb 31
ceee&, 2022 kes yeere }eiet)
ejCeye kekemLee kes DeOeerve meerF&er 1
ef}Keleesb keer kele&ceeve Gelece meercee
Gelece meercee kes keejCe meerF&er 1
mes efvekee} oer ieF& jeefMe (MeesOeve leLee
heefjkekeleeDeesb kes yeeo Gelece meercee mes
Ghej Deefleefje)
ejCeye kekemLee kes DeOeOeerve Ser 1
ef}Keleesb ceW kele&ceeve Gelece meercee
Gelece meercee kes keejCe Ser 1 mes
efvekee} oer ieF& jeefMe (MeesOeve leLee
heefjkekeleeDeesb kes yeeo Gelece meercee mes
Ghej Deefleefje)
ejCeye kekemLee kes DeOeerve er 2 ef}
Keleesb hej kele&ceeve Gelece meercee
Gelece meercee kes keejCe er 2 mes efvekee}
oer ieF& jeefMe (MeesOeve leLee heefjkekeleeDeesb kes
yeeo Gelece meercee mes Ghej Deefleefje)
Mortgage servicing rights (net of

related tax liability)
NA
0.00
Deferred tax assets arising from

temporary differences (net of related
tax liability)
NA
0.00
Applicable caps on the inclusion of

provisions in Tier 2
Provisions eligible for inclusion in

Tier 2 in respect of exposures subject
to standardized approach (prior to
application of cap)
15293.60
0.00
Cap on inclusion of provisions in

Tier 2 under standardized approach
(1.25% of 3193319.45)
39916.49
0.00
Provisions eligible for inclusion in Tier

2 in respect of exposures subject to
internal ratings-based approach (prior
to application of cap)
NIL
0.00
Cap for inclusion of provisions in

Tier 2 under internal ratings-based
approach
NIL
0.00
Capital instruments subject to

phase-out arrangements (only
applicable between March 31, 2017
and March 31, 2022)
Current cap on CET1 instruments
subject to phase out arrangements
NIL
0.00
Amount excluded from CET1

due to cap (excess over cap after
redemptions and maturities)
NIL
0.00
15293.60
0.00
3823.40
0.00
Current cap on T2 instruments subject

to phase out arrangements
82209.20
0.00
Amount excluded from T2 due to cap

(excess over cap after redemptions
and maturities)
15552.30
0.00
Current cap on AT1 instruments

subject to phase out arrangements
Amount excluded from AT1 due
to cap (excess over cap after
redemptions and maturities)
201
2013-14
Table DF-12: Composition of Capital- Reconciliation

Requirements
(jeefMe efceef}eve cesb) (Amt in Mil)
12 : hetbpeer kee mebeespeve meceeOeeve DeekeMekeleeSb
efkekejCe
ke
ii
iii
iv
B
i
ii
iii
iv
v
vi
vii
202
hetbpeer Skeb oseleeSb

heolle hetbpeer
Deejef#ele Skeb DeefOeMes<e
Deuhe efnle
keg} hetbpeer
peceejeefMeeeb
efpemecesb mes : yewkeesb mes peceejeefMeeeb
efpemecesb mes : ieenke peceejeefMeeeb
efpemecesb mes : Deve peceejeefMeeeb (ke=heee
G}sKe kejsb)
GOeej
efpemecesb mes : Yee.efj.yewb mes
efpemecesb mes : yeQkeesb mes
efpemecesb mes : Deve mebmLeeDeesb Skeb Sspeseb mf eeesb mes
efpemecesb mes : Deve (ke=heee G}sKe kejsb)
efpemecesb mes : hetbpeeriele ef}Kele
Deve oseleeSb Skeb heekeOeeve
keg}
Deeefmleeeb
Yeejleere efjpeke& yeQke kes heeme vekeoer Skeb
Mes<e
yewkeesb kes heeme Mes<e leLee ceebie Skeb Deuhe
metevee hej ose jeefMe
efvekesMe :
efpemecesb mes : mejkeejer heefleYetefleeeb
efpemecesb mes: Deve Devegceesefole heefleYetefleeeb
efpemecesb mes: Mesej
efpemecesb mes: ef[yesbej Skeb yeeb[
efpemecesb mes: Deveg<ebefieee/ mebege Gece/
meneeke FkeeFeeb
efpemecesb mes: Deve (keeefCeefpeke hesheme&,
ceteDe} Heb[ Fleeefo)
$e+Ce Skeb Deefiece
efpemecesb mes : yeQke kees $e+Ce Skeb Deefiece
efpemecesb mes : ieenke kees $e+Ce Skeb Deefiece
Dee} Deeefmleeeb
Deve Deeefmleeeb
efpemecesb mes: meeKe Skeb Decetle& Deeefmleeeb
efpemecesb mes: DeemLeefiele kej Deeefmleeeb
meceskeve mebyebOeer meeKe
}eYe neefve Keeles cesb veeces Mes<e
keg} Deeefmleeeb
Particulars
A
i
ii
Capital & Liabilities

Paid-up Capital
Reserves & Surplus
Minority Interest
Total Capital
Deposits
of which: Deposits from banks
of which: Customer deposits
of which: Other deposits (pl. specify)
iii
iv
Borrowings
of which: From RBI
of which: From banks
of which: From other institutions & agencies
of which: Others (pl. specify)
of which: Capital instruments
Other liabilities & provisions
Total
Assets
Cash and balances with Reserve Bank of
India
ii
iii
iv
v
vi
vii
Balance with banks and money at call and

short notice
Investments:
of which: Government securities
of which: Other approved securities
of which: Shares
of which: Debentures & Bonds
of which: Subsidiaries / Joint Ventures /
Associates
of which: Others (Commercial Papers,
Mutual Funds etc.)
Loans and advances
of which: Loans and advances to bank
of which: Loans and advances to customer
Fixed assets
Other assets
of which: Goodwill and intangible assets
of which: Deferred tax assets
Goodwill on consolidation
Debit balance in Profit & Loss account
Total Assets
efkelleere efkekejefCeeesb
kes Devegmeej
leg}ve he$e
meceskeve kes efkeefveeeceke

leg}ve he$e
Balance sheet
Balance sheet
under regulatory
as in financial
scope of
statements
consolidation
31.03.2014
31.03.2014
4306.76
55549.99
0.00
359856.75
5688943.89
1080788.74
4608155.15
0.00
0.00
0.00
0.00
0.00
0.00
0.00
368129.69
20000.00
20225.21
20.82
213866.66
114017.00
178115.01
6595045.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
186290.94
0.00
1122488.18
0.00
1161126.61
967797.40
12.80
17356.14
38937.98
0.00
0.00
0.00
0.00
0.00
16036.33
0.00
120985.97
0.00
3970058.11
0.00
0.00
27341.23
127740.26
0.00
0.00
0.00
0.00
6595045.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2013-14
Step: 2
ejCe: 2
(jeefMe efceef}eve cesb) (Amt in Mil)
Particulars
efkekejCe
ke
i
ii
Devegmeteer
2
A
hetbpeer Skeb oseleeSb
i
heolle hetbpeer
efpemecesb mes: meerF&er1 kes ef}S
hee$e jeefMe
efpemecesb mes: Ser1 kes ef}S
hee$e jeefMe
ii
Schedule
meebefkeefOeke Deejef#ele efveefOe
Capital & Liabilities
STATUTORY RESERVE
hetbpeer Deejef#ele efveefOe
ii
Devegmeteer
3
iii
Balance
sheet as in
financial
statements
Balance
sheet under
regulatory
scope of
consolidation
31.03.2014
31.03.2014
meboYe& meb.
Ref
No.
Paid-up Capitale
4306.76
0.00
of which: Amount eligible for CET1
4306.76
0.00
0.00
0.00
355549.99
0.00
81193.64
0.00
CAPITAL RESERVE
19439.69
0.00
Mesej heerefceece
SHARE PREMIUM
77144.26
0.00
meeceeve Deejef#ele efveefOe
General Reserve
122403.91
0.00
DeeF&.er DeefOeefveece 1961

keer Oeeje 36(i)(viii)(S) kes
Debleie&le efkeMes<e Deejef#ele
DeeF&.er DeefOeefveece keer
Oeeje 36 (I)(VIII) kes
Debleie&le efkeMes<e Deejef#ele
jepemke leLee Deve
Deejef#ele efvekesMe Deejef#ele
Keelee
efkeosMeer cege heejef#ele efveefOe
Special Reserves u/s 36(i)(viii)(a) of

I.T.Act,1961
2539.46
0.00
33213.03
0.00
0.00
0.00
18359.19
0.00
1256.81
0.00
0.00
0.00
keg} hetbpeer
peceejeefMeeeb
yeQke mes ceebie pecee
Deve mes ceebie pecee
yeele yeQke pecee
yeQkeesb mes ceereeoer pecee
Deve mes ceereeoer pecee
GOeej
of which: Amount eligible for AT1

Reserves & Surplus
Special Reserve u/s 36(I)(VIII) of

I.T. act
Reserves & Surplus revenue & other
reserves investment reserve account
Foreign Currency Translation

Reserve
Statutory Reserve (Foreign)
meebefkeefOeke Deejef#ele efveefOe

(efkeosMeer)
Deveeyebefle }eYe
efkelleere
meceskeve kes
efkekejefCeeesb kes
efkeefveeeceke #es$e kes
Devegmeej leg}ve he$e Debleie&le leg}ve he$e
Unallocated Profit
Total Capital
ii
Deposits
359856.75
0.00
5688943.89
0.00
Schedule Demand Deposit from Bank

3
Demand Deposit from Others
22545.09
0.00
477958.77
0.00
SAVINGS BANK DEPOSITS
964374.38
0.00
Term Deposit from banks
1058243.65
0.00
Term Deposit from Others
3165821.99
0.00
368129.69
0.00
iii
Borrowings
203
2013-14
Particulars
efkekejCe
Devegmeteer
4
iv
Devegmeteer
5
Schedule RBI (u/s 19 of RBI Act)

Yee.efj.yewb (Yee.efj.yewb.
4
DeefOeefveece keer Oeeje 19 kes
Debleie&le)
efkelleere
meceskeve kes
efkekejefCeeesb kes
Balance
sheet as in
financial
statements
Balance
sheet under
regulatory
scope of
consolidation
31.03.2014
31.03.2014
20000.00
0.00
meboYe& meb.
Ref
No.
Yeejleere ms yeQke
State Bank of India
0.00
0.00
DeefOemetefele yeQke
Notified Banks
0.00
0.00
Deve yeQke
Other Banks
20224.49
0.00
jeêreke=le yeQke
Nationalised banks
0.72
0.00
DeeF&.[er.yeer.DeeF&.
I.D.B.I.
0.37
0.00
Sme.DeeF&.[er.yeer.DeeF&.
S.I.D.B.I.
3.85
0.00
veeyee[&
NABARD
16.60
0.00
Sefkepece yeQke
Exim Bank
0.00
0.00
meeryeerS}Dees GOeej
CBLO Borrowings
0.00
0.00
vekeesvces<eer efveele $e+Ce

ef}Kele (DeeF&heer[erDeeF&)
Innovative Perpetual Debt

Instruments (IPDI)
19117.00
0.00
ieewCe yeeb[
Subordinated Bonds
94900.00
0.00
Yeejle kes yeenj GOeej
Borrowings ouside India
213866.66
0.00
Other liabilities & provisions
178115.01
0.00
15572.03
0.00
9361.38
0.00
Deve oseleeSb Skeb heekeOeeve

efpemecesb mes: ose efye}
efpemecesb mes: Fbj Dee@efHeme
meceeeespeve (efveke})
iv
Schedule of which : Bills Payable

5
of Which : Inter Office Adjustment
(Net)
efpemecesb mes: Gheefele yeepe
of Which : Interest Accrued
37250.09
0.00
efpemecesb mes: ceeveke Deefieceesb

kes hess Deekeefmceke heekeOeeve
of Which : Contingent Provision

against Standard Advances
24014.48
0.00
efpemecesb mes: Deve (heekeOeeveesb

meefnle)
of Which : Other (including

provision)
91917.01
0.00
keg}
Total
6595045.33
0.00
Ke
Deeefmleeeb
Assets
Yeejleere efjpeke& yeQke kes

heeme vekeoer Skeb Mes<e
Cash and balances with Reserve

Bank of India
186290.94
0.00
yewkeesb kes heeme Mes<e leLee

ceebie Skeb Deuhe metevee hej
ose jeefMe
Balance with banks and money at

call and short notice
1122488.18
0.00
ii
efvekesMe
Investments
1161126.61
204
ii
Particulars
efkekejCe
Devegmeteer 8 mejkeejer heefleYetefleeeb

Deve Devegceesefole
heefleYetefleeeb
Schedule Govt. Securities

8
Other approved securities
Balance
sheet as in
financial
statements
Balance
sheet under
regulatory
scope of
consolidation
31.03.2014
31.03.2014
meboYe& meb.
Ref
No.
967797.40
0.00
12.8
0.00
Shares
17356.14
0.00
ef[yesbej Skeb yeeb[
Debentures & Bonds
38937.98
0.00
Deveg<ebefieee Deewj/ DeLekee

mebege Gece Yeejle Skeb
efkeosMe
Subsidiaries and/or JVs India &

ABOROAD
16036.33
0.00
Deve efvekesMe
Other investments
120985.97
0.00
iii
Loans and advances
$e+Ce Skeb Deefiece
yeeke=le Skeb Kejeros iees

efye}
BILLS PURCHASED &

DISCOUNTED
vekeo $e+Ce, Deeskej[êhe Skeb

ceebie hej heefleose $e+Ce
ceereeoer $e+Ce
iv
Dee} Deeefmleeeb
iv
Deve Deeefmleeeb
11
efkelleere
meceskeve kes
efkekejefCeeesb kes
Mesej
iii
Devegmeteer
2013-14
3970058.11
530180.22
0.00
CASH CREDITS, OVERDRAFTS &

LOANS REPAYABLE ON DEMAND
1786487.20
0.00
TERM LOANS
1653390.68
0.00
Fixed assets
27341.23
0.00
Other assets
127740.26
0.00
0.00
0.00
0.00
0.00
127740.26
0.00
efpemecesb mes: meeKe Skeb Decetle& Schedule of which: Goodwill and intangible
11
assets
Deeefmleeeb
efpevecesb mes : meeKe
Out of which: Goodwill
Deve Decetle& (SceSmeDeej kees

es[kej)
Other intangibles (excluding MSRs)
DeemLeefiele kej Deeefmleeeb
Deferred tax assets
0.00
0.00
vi
meceskeve mebyebOeer meeKe
vi
Goodwill on consolidation
0.00
0.00
vii
}eYe neefve Keeles cesb veeces

Mes<e
vii
Debit balance in Profit & Loss

account
0.00
0.00
keg} Deeefmleeeb
6595045.33
0.00
Total Assets
205
2013-14
leeef}kee [erSHe 13 : efkeefveeeceke hetbpeeriele ef}Keleesb keer cegKe efkeMes<eleeSb:

$e+Ce hetbpeer ef}Keleesb mebyebOeer hekeerkejCe leLee $e+Ce hetbpeer ef}Keleesb keer efveece
Skeb Mele&sb kees De}ie mes heke efkeee ieee nw. hekeerkejCe cesb peeves kes ef}S
eneb efkeueke kejsb.
leeef}kee [erSHe 14 : efkeefveeeceke hetbpeeriele ef}Keleesb keer meYeer efveece Skeb Mele&sb:

e.meb.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
The details of Capital instruments are separately disclosed.

Click the related links to view the terms and conditions of
the capital instruments.
Instruments
ef}Kele
TIER I IPDI SR I
efej I DeeF&heer[erDeeF& SmeDeej - I

efej I (DeeF&heer[erDeeF&) SmeDeej - II
efej I (DeeF&heer[erDeeF&) SmeDeej - III
efej I (DeeF&heer[erDeeF&) SmeDeej IV
yeeb[ meerjerpe IV (}esDej)
yeeb[ meerjerpe V (}esDej)
yeeb[ meerjerpe VI (}esDej)
yeeb[ meerjerpe VII (Dehej)
yeeb[ meerjerpe VIII (Dehej)
yeeb[ meerjerpe IX (Dehej)
yeeb[ meerjerpe X (}esDej)
yeeb[ meerjerpe XI (Dehej)
yeeb[ meerjerpe XII (Dehej)
yeeb[ meerjerpe XIII (Dehej)
yeeb[ meerjerpe XIV (Dehej)
yeeb[ meerjerpe XV (Dehej)
yeeb[ meerjerpe XVI (Dehej)
yeeb[ meerjerpe XVII (Dehej)
SceerSve yeeb[ - (Dehej)
leeef}kee [erSHe 15 : heeefjeefceke kes ef}S hekeerkejCe DeekeMekeleeSb
TIER I (IPDI) SR II
TIER I (IPDI) SR III
TIER I (IPDI) SR IV
BOND SERIES IV (LOWER)
BOND SERIES V (LOWER)
BOND SERIES VI (LOWER)
BOND SERIES VII (UPPER)
BOND SERIES VIII (UPPER)
BOND SERIES IX (UPPER)
BOND SERIES X (LOWER)
BOND SERIES XI (UPPER)
BOND SERIES XII - (UPPER)
BOND SERIES XIII - (UPPER)
BOND SERIES XIV - (UPPER)
BOND SERIES XV - (UPPER)
BOND SERIES XVI - (UPPER)
BOND SERIES XVII - (UPPER)
MTN Bonds (UPPER)
Table DF-15: Disclosure Requirements for Remuneration
etbefke yeQke Dee@]he ye[ewoe Ske meeke&peefveke #es$e kee yeQke nw, heefjhe$e meb.
[eryeerDees[er.SveDees.yeermeer.72/ 29.67.001/2001-12 efoveebke 13 pevekejer,
2012 kes Devegmeej leeef}kee [erSHe 15 nceejs Thej }eiet venerb nesleer.
206
Disclosures pertaining to debt capital instruments and the

terms and conditions of debt capital instruments have been
disclosed separately. Click here to access the disclosures.
Table DF-14: Full Terms and Conditions of Regulatory

Capital Instruments
hetbpeeriele ef}Keleesb kee efkekejCe De}ie mes oMee&ee ieee nw. hetbpeeriele ef}Keleesb keer

efveece Skeb MeleeX kees osKeves kes ef}S mebyebefOele ef}bke hej efkeueke kejsb.
Sr. No
Table DF -13 Main Features of Regulatory Capital

Instruments:
As Bank of Baroda is a Public Sector bank Table DF -15

is not applicable to us as per Circular No DBOD.NO.
BC.72/29.67.001/2001-12 dated January 13, 2012.
2013-14
cenlJehetCe& efJeeere meteke
Key Financial Indicators

e.meb.
S.No.
1
efJeJejCe eefleMele ceW
31.03.2010
31.03.2011
31.03.2012
31.03.2013
31.03.2014
yeepe Deee / Deewmele keee&Meerue efveefOeeeb (S[yuetSHe)
6.86%
6.97%
7.58%
7.34%
6.76%
yeepe Jee / S[yuetSHe
4.42%
4.16%
4.95%
4.98%
4.69%
Meg yeepe ceeefpe&ve (SveDeeF&Sce)
2.74%
3.12%
2.97%
2.66%
2.36%
yeepe efJemleej / S[yuetSHe
2.44%
2.80%
2.64%
2.36%
2.08%
iewj-yeepe Deee / S[yuetSHe
1.15%
0.89%
0.87%
0.76%
0.78%
heefjeeueve Jee / S[yuetSHe
1.56%
1.47%
1.32%
1.24%
1.24%
43.57%
39.87%
37.55%
39.79%
43.44%
mekeue (heefjeeueve) ueeYe / S[yuetSHe
2.03%
2.22%
2.19%
1.88%
1.61%
Meg ueeYe / S[yuetSHe
1.26%
1.35%
1.28%
0.93%
0.79%
22.19%
21.42%
19.11%
14.59%
13.00%
DeeefmleeeW Hej HeefleueeYe
1.10%
1.18%
1.12%
0.82%
0.69%
Deewmele DeeefmleeeW hej eefleueeYe
1.21%
1.33%
1.24%
0.90%
0.75%
DeefeceeW hej eefleHeue
8.55%
8.48%
9.39%
8.90%
8.32%
peceejeefMeeeW keer ueeiele
4.90%
4.56%
5.62%
5.80%
5.38%
ueeYeebMe Yegieleeve Devegheele (keejheesjs ueeYeebMe kej meefnle)
20.90%
17.76%
16.22%
23.65%
23.86%
$e+Ce pecee Devegheele
84.47%
86.77%
86.86%
82.03%
86.15%
88.74%
90.29%
90.36%
86.17%
90.00%
12.84%
13.02%
12.95%
12.09%
11.66%
8.22%
8.96%
9.56%
9.20%
8.64%
4.62%
4.06%
3.39%
2.89%
3.02%
14.36%
14.52%
14.67%
13.30%
12.88%
9.20%
9.99%
10.83%
10.13%
9.54%
5.16%
4.53%
3.84%
3.17%
Particulars (In Percentage)

Interest Income / Average Working Funds (AWF)
Interest Expenses / AWF

3
Net Interest Margin (NIM)

4
Interest Spread / AWF

5
Non-Interest Income / AWF

6
Operating Expenses / AWF

7
ueeiele-Deee Devegheele
Cost Income Ratio

8
Gross (Operating) Profit / AWF

9
Net Profit / AWF

10
Meg ceeefueele Hej HeefleueeYe
Return on Net Worth

11
Return on Assets
12
Return on Average Assets

13
Yield on Advances
14
Cost of Deposits
15
Dividend Payout Ratio (including Corporate Dividend Tax)

16
Credit -- Deposit Ratio

17
$e+Ce + iewj meebefJeefOeke eueefveefOe Devegheele efveJesMe (Deveg<ebieer FkeeFeeW ceW efveJesMe kees
es[kej) pecee Devegheele
Credit + Non SLR Investment (excluding Investments in

Subsidiaries) -- Deposit Ratio
18
19
hetbpeer heee&hlelee Devegheele (yeemesue I)

Capital Adequacy Ratio (BASEL I)
erej Tier - I
erej Tier - II
hetbpeer heee&hlelee Devegheele (yeemesue II)
Capital Adequacy Ratio (BASEL II)
20
erej Tier - I
erej Tier - II
hetbpeer heee&hlelee Devegheele (yeemesue III)
3.34%
12.28%
Capital Adequacy Ratio - BASEL III
erej Tier - I
erej Tier - II
9.28%
3.00%
207
e.meb.
S.No.
1
2013-14
efJeJejCe eefleMele ceW
Particulars (In Percentage)
31.03.2010
31.03.2011
31.03.2012
31.03.2013
31.03.2014
38960
40046
42175
43108
46001
MeeKeeSb (mebKee)
3148
3418
3959
4336
4934
Heefle kece&eejer JeJemeee (.kejes[ ceW)
9.81
12.29
14.66
16.89
18.65
Heefle kece&eejer Deewmele JeJemeee (.kejes[ ceW)
8.94
11.26
13.15
15.71
17.48
Heefle kece&eejer mekeue ueeYe (.ueeKeeW ceW)
12.67
17.43
20.35
20.88
20.20
Heefle kece&eejer Meg ueeYe (. ueeKeeW ceW)
7.85
10.59
11.87
10.39
9.87
132.24
156.27
169.80
184.98
195.76
Heefle MeeKee mekeue ueeYe (.kejes[ ceW)
1.57
2.04
2.17
2.08
1.88
Heefle MeeKee Meg ueeYe (.kejes[ ceW)
0.97
1.24
1.26
1.03
0.92
83.96
116.37
127.84
108.84
107.38
378.44
505.71
637.37
729.11
813.50
kece&eejer (mebKee)
Employees (number)
Branches (number)
3
Business per employee (Rs. in crore)

4
Average Business per employee (Rs in crore)

5
Gross Profit per employee (Rs. in lakhs)

6
Net Profit per employee (Rs. in lakhs)

7
Heefle MeeKee JeJemeee (.kejes[ ceW)
Business per branch (Rs. in crore)

8
Gross Profit per branch (Rs. in crore)

9
Net Profit per branch (Rs. in crore)

10
Heefle Mesej Deee (HeeeW ceW)
Earnings per share (Rupees)

11
Heefle Mesej yenercetue (HeeeW ceW)
Book Value per share (Rupees)
sle: efJeefYeVe Je<eeX keer Jeeef<e&ke efjHeesx (peneb Gefele ueiee, efHeues Je<eeX kes Deeke[eW kees Hegveme&cetnerke=le/Hegve: Jeieeake=le efkeee ieee nw)
Source:
208
Annual Reports of various years. (previous year's figures are regrouped and reclassified, where appropriate)
2013-14
HeefjYee<eeSb / Definitions
Average Working
Funds (AWF)
Average Deposits
Average Advances
Average Business
Fortnightly Average of Total Assets
:
:
:
Average Investments
Interest Income/AWF
:
:
Fortnightly Average of Total Deposits

Fortnightly Average of Total Advances
Total of Average Deposits & Average
Advances
Fortnightly Average of Total Investments
Total Interest Income Divided by AWF
Interest Expenses/AWF
Interest Spread/AWF
:
:
Non-Interest Income/
AWF
Operating Expenses
Operating Expenses/
AWF
Cost Income Ratio
Gross (Operating)
Profit/AWF
Net Profit/AWF
: Meg ueeYe efJeYeeefpele kejW S[yuetSHe;
: Meg ueeYe efJeYeeefpele kejW Meg ceeefueele (Hegvecet&ueebkeve Return on Net Worth
Return on Assets
Return on Average
Assets
: DeefieceeW Hej Deefpe&le yeepe efJeYeeefpele kejW Deewmele Yield on Advances
:
:
Deewmele keee&Meerue efveefOeeeb

(S[yuetSHe)
Deewmele peceejeefMeeeb
Deewmele Deefiece
Deewmele JeJemeee
: kegue DeeefmleeeW kee Heeef#eke Deewmele;
Deewmele efveJesMe
yeepe Deee/(S[yuetSHe)
: kegue efveJesMe kee Heeef#eke Deewmele;

: kegue yeepe Deee kee Deewmele keee&Meerue efveefOeeeW mes
efJeYeepeve;
: kegue yeepe Jee Yeeie oW S[yuetSHe;
: (kegue yeepe Deee IeeSb : kegue yeepe Jee) S[yetSHe
mes efJeYeeefpele kejW;
: kegue iewj yeepe Deee efJeYeeefpele kejW Deewmele keee&Meerue
efveefOe mes;
: kegue Kee& IeeSb yeepe Kee&
: kegue Heefjeeueve Jee efJeYeeefpele kejW Deewmele keee&Meerue
efveefOe mes;
: Heefjeeueve Jee efJeYeeefpele kejW (iewjyeepe Deee +
yeepe mHes[) mes;
: Heefjeeueve ueeYe efJeYeeefpele kejW S[yuetSHe mes;
yeepe Jee/S[yuetSHe
yeepe efJemleej/S[yuetSHe
iewjyeepe Deee/S[yuetSHe
Heefjeeueve Jee
Heefjeeueve Jee/S[yuetSHe
ueeiele Deee DevegHeele
mekeue (Heefjeeueve) ueeYe/
S[yuetSHe
Meg ueeYe/S[yuetSHe
Meg ceeefueele Hej HeefleHeue
DeeefmleeeW Hej HeefleHeue
Deewmele DeeefmleeeW Hej HeefleHeue
DeefieceeW Hej eefleHeue
peceejeefMeeeW keer ueeiele
ueeYeebMe Yegieleeve DevegHeele
(keejHeesjs ueeYeebMe kej meefnle)
$e+Ce pecee DevegHeele
$e+Ce + iewj meebefJeefOeke lejuelee
DevegHeele efveJesMe (Deveg<ebieer
FkeeFeeW ceW efveJesMe kees es[kej)
peceejeefMe - DevegHeele;
Heefle kece&eejer JeJemeee
eefle kece&eejer Deewmele JeJemeee
eefle kece&eejer mekeue ueeYe
Heefle kece&eejer Meg ueeYe
: kegue peceejeefMeeeW kee Heeef#eke Deewmele;

: kegue DeefieceeW kee Heeef#eke Deewmele;
: Deewmele peceejeefMeeeW Deewj Deewmele DeefieceeW kee eesie;
Heejef#ele efveefOe kees es[kej);

: Meg ueeYe efJeYeeefpele kejW kegue DeeefmleeeW mes;
: Meg ueeYe efJeYeeefpele kejW Deewmele DeeefmleeeW mes;
Deefiece mes;
: peceejeefMeeeW Hej Heolle yeepe efJeYeeefpele kejW Deewmele Cost of Deposits
peceejeefMeeeW mes;
: ueeYeebMe, keejHeesjs ueeYeebMe kej meefnle; efJeYeeefpele Dividend Payout Ratio
(including Corporate
kejW Meg ueeYe mes;
: kegue Deefiece efJeYeeefpele kejW ieenkeeW keer peceejeefMeeeb
(DeLee&le kegue peceejeefMeeeb - IeeeW Deblej yeQke pecee
jeefMeeeb)
: (kegue Deefiece + iewj meebefJeefOeke eueefveefOe Devegheele
efveJesMe - IeeeW Deveg<ebieer FkeeFeeW ceW efveJesMe) efJeYeeefpele
kejW ieenkeeW keer peceeDeeW mes;
: mecee peceejeefMeeeb + kegue Deefiece efJeYeeefpele kejW,
kegue kece&eeefjeeW keer mebKee mes
: Deewmele peceejeefMeeeb Deewmele Deefece/efJeYeeefpele kejW
kegue kece&eejer mebKee mes
: mekeue ueeYe kees efJeYeeefpele kejW, kegue kece&eejer
mebKee mes;
: Meg ueeYe kees efJeYeeefpele kejW kece&eeefjeeW keer mebKee mes;
Dividend Tax)
Credit - Deposit Ratio
Credit + Non SLR

Investments (excluding
Investments in
Subsidiaries) - Deposit
Ratio
Business Per
Employee
Average Business Per
Employee
Gross Profit Per
Employee
Net Profit Per
Employee
Business Per Branch
:
:
:
:
:
:
:
:
:
:
:
:
:
Heefle MeeKee mekeue ueeYe
: kegue peceejeefMeeeb + kegue Deefiece kees efJeYeeefpele kejW

MeeKeeDeeW keer mebKee mes;
: mekeue ueeYe kees efJeYeeefpele kejW MeeKeeDeeW keer mebKee mes; Gross Profit Per Branch
Heefle MeeKee Meg ueeYe

Heefle Mesej Deee
: Meg ueeYe efJeYeeefpele kejW MeeKeeDeeW keer mebKee mes;

: Meg ueeYe kees efJeYeeefpele kejW FefkeJeer mes X ome;
Net Profit Per Branch

Earning Per Share
:
:
Heefle Mesej yener cetue
: Meg ceeefueele (Hegvecet&ueebkeve Heejef#ele jeefMe kees Book Value Per Share
es[kej) kees efJeYeeefpele kejW FefkeJeer mes X ome.
Heefle MeeKee keejesyeej
Total Interest Expenses Divided by AWF

(Total Interest Income minus Total Interest
Expenses) Divided by AWF
Total Non-Interest Income Divided by
AWF
Total Expenses minus Interest Expenses
Operating Expenses Divided by AWF
Operating Expenses Divided by (Non
Interest Income plus Interest Spread)
Operating Profit divided by AWF
Net Profit Divided by AWF
Net Profit Divided by Net Worth (excluding
Revaluation Reserves)
Net Profit Divided by Total Assets
Net Profit Divided by Average Assets
Interest Earned on Advances Divided by
Average Advances
Interest paid on Deposits Divided by
Average Deposits
Dividend including Corporate Dividend
Tax Divided by Net Profit
Total Advances Divided by Customer
Deposits (i.e., Total Deposits minus Inter
Bank Deposits)
(Total Advances Plus Non-SLR
Investments minus Investments in
Subsidiaries) Divided by Customer
Deposits
Core Deposits plus Total Advances
Divided by Total No. of Employees
Average Deposits plus Average Advances
divided by Total No. of Employees
Gross Profit Divided by Total No. of
Employees
Net Profit Divided by Total No. of
Employees
Total Deposits plus Total Advances
divided by No. of Branches
Gross Profit Divided by No. of Branches
Net Profit Divided by No. of Branches
Net Profit divided by Equity Multiplied
by Ten
Net Worth (excluding Revaluation Reserves)
divided by Equity Multiplied by Ten.
209
2013-14
31 ceee&, 2014 kee legueve-he$e
Balance Sheet as on 31st March, 2014

(` in 000s)
Devegmeteer
SCHEDULE
31 ceee& 2014 kees
31 ceee& 2013 kees
As on
31st Mar, 2014
`
As on
31st Mar, 2013
`
Hetbpeer Deewj oseleeSb

Hetbpeer
CAPITAL & LIABILITIES

Capital
430,67,63
422,51,75
Heejef#ele efveefOeeeb Deewj DeefOeMes<e
Reserves and Surplus
35554,99,88
31546,92,10
peceejeefMeeeb
Deposits
568894,38,85
473883,33,75
GOeej ueer ieF& jeefMeeeb
Borrowings
36812,96,88
26579,28,18
Deve oseleeSb SJeb HeeJeOeeve
Other Liabilities and Provisions
17811,50,10
14703,38,25
pees[
TOTAL
659504,53,34
547135,44,03
Deeefmleeeb
ASSETS
Yeejleere efj]peJe& yeQke kes Heeme

vekeoer Deewj Mes<e jkece
yeQkeesb kes Heeme Mes<e jkece leLee ceebie SJeb
DeuHe metevee Hej Heefleose jeefMe
efveJesMe
Cash and Balances with

Reserve Bank of India
18629,09,39
13452,07,83
Balances with Banks and

Money at Call and Short Notice
112248,81,84
71946,82,60
Investments
116112,66,14
121393,72,44
Deefiece
Advances
397005,81,08
328185,76,49
Deeue Deeefmleeeb
Fixed Assets
10
2734,12,26
2453,11,60
Deve Deeefmleeeb
Other Assets
11
12774,02,63
9703,93,07
pees[
TOTAL
659504,53,34
547135,44,03
Deekeefmceke oseleeSb
Contingent Liabilities
259912,77,85
204628,91,69
Jemet}er kes efueS efyeue
Bills for Collection
31864,91,58
25952,23,60
GuuesKeveere uesKee veerefleeeb
Significant Accounting Policies
17
uesKeeW Hej efHHeefCeeeb
Notes on Accounts
18
12
THej oMee&eer ieeer Devegmetefeeeb legueve-He$e kee Ske DeefYevve Yeeie nQ.
The Schedules referred to above form an integral part of the Balance Sheet.
Sme. Sme. cetbo[e
efHe. eerefveJeeme
yeer. yeer. peesMeer
Jeer.kes.iegHlee
ceneHeyebOeke
(keeheexjs Keeles SJeb kejeOeeve SJeb cegefJeDe)
yeer. FueWiees
mene. ceneeyebOeke
(keeheexjs Keeles SJeb kejeOeeve)
mLeeve : cegbyeF&,
210
efveosMeke
eer mego&Meve mesve
eer ceewefueve S. Jew<CeJe
eer megjW Sme Yeb[ejer
eer jepeerye Sme meent
uesKee Hejer#eke
mece leejerKe keer nceejer mebueive he=Leke efjhees& kes Devegmeej
ke=les js SC[ js
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHeDeejSve : 001135 Sve
SHeDeejSve : 301072 F&
(Sme.kes.efcelleue)
Yeeieeroej
Sce. veb.: 008506
(oeeefveJeeme Mecee&)
Yeeieeroej
Sce. veb.: 216244
Yeeieeroej
Sce. veb.: 056060
ke=les SveyeerSme SC[ keb.

meveoer uesKeekeej
SHeDeejSve : 110100 [yuet

meveoer uesKeekeej
ke=les Keb[sueJeeue pewve SC[ keb

meveoer uesKeekeej
(eoerHe pes Meser)

Yeeieeroej
Sce. veb.: 046940
(Yeejle ieeseue)
Yeeieeroej
Sce. veb.: 060069
(DeeF&.meer.pewve)
Yeeieeroej
Sce. veb.: 008791
2013-14
31 ceee&, 2014 kees meceehle Je<e& kee ueeYe Je neefve uesKee
Profit and Loss Account for the year ended 31st March, 2014
(` in 000s)
Devegmeteer
SCHEDULE
Deee
Deefpe&le yeepe
Deve Deee
pees[
II. Jee
Kee& efkeee ieee yeepe
Heefjeeueve Jee
HeeJeOeeve Deewj Deekeefmceke Jee
pees[
III. ueeYe
DeJeefOe kee Meg ueeYe
efJeefveeespeve nsleg GHeueyOe jeefMe
efJeefveeespeve
ke) meebefJeefOeke Heejef#ele efveefOe
Ke) Hetbpeeriele Heejef#ele efveefOe
ie) jepemJe SJeb Deve Heejef#ele efveefOeeeb
I) meeceeve Heejef#ele efveefOe
II) Deeekej DeefOeefveece 1961
keer Oeeje 36 (1) kes Debleie&le
efJeMes<e Heejef#ele efveefOe
Jele ueeYeebMe
Ie) emleeef
(ueeYeebMe kej meefnle)
pees[
Heefle Mesej cetue SJeb vetve Depe&ve (`)
(meebkesefleke cetue eefle Mesej `10)
GuuesKeveere uesKee veerefleeeb
uesKeeW Hej efHHeefCeeebb
THej oMee&eer ieeer Devegmetefeeeb }eYe Je
neefve uesKes kee DeefYevve Yeeie nQ.
I.
S S Mundra
P Srinivas
Executive Director
B B Joshi
Executive Director
V K Gupta
General Manager
(Corp A/Cs, Taxation & Subs.) and CFO
B Elango
Asst. General Manager

Corporate A/cs & Taxation
Place : Mumbai
31 ceee& 2014 kees
31 ceee& 2013 kees
Year ended
31st March 2014
`
Year ended
31st March 2013
`
I. INCOME

Interest Earned
13
Other Income
14
TOTAL
38939,70,95
35196,65,44
4462,74,41
3630,62,49
43402,45,36
38827,27,93
II. EXPENDITURE

Interest Expended
15
26974,36,32
23881,38,91
Operating Expenses
16
7137,06,56
5946,73,63
Provisions and Contingencies
TOTAL
4749,94,18
4518,43,39
38861,37,06
34346,55,93
III. PROFIT

Net Profit for the period
4541,08,30
4480,72,00
Available for Appropriation
4541,08,30
4480,72,00
1135,27,08
1120,18,00
8,69,02
81,44,81
1401,37,88
1369,46,69
912,06,65
850,00,00
1083,67,67
1059,62,50
4541,08,30
4480,72,00
107.38
108.84
Appropriations
a) Statutory Reserve
b) Capital Reserve
c) Revenue and Other Reserves
I)
General Reserve
II) Special Reserve u/s 36 (1)

Income Tax Act, 1961
d)
Proposed Dividend
(including Dividend Tax)
TOTAL
Basic & Diluted Earnings per Share (`)
(Nominal value per share `10)
17
Notes on Accounts
18
The Schedules referred to above form

an integral part of the Profit & Loss Account.
Directors
Dr. K P Krishnan
Shri Sudarshan Sen
Shri Maulin A Vaishnav
Shri Surendra S Bhandari
Shri Rajib S Sahoo
Auditors
As per our separate report of even date attached

FRN: 001135N
(S. K. Mittal)
Partner
M. No. 008506
For N B S & Co
FRN: 110100W
(Pradeep J. Shetty)
Partner
M No. 046940
For Laxminiwas Neeth & Co

FRN: 002460S
(Dayaniwas Sharma)
Partner
M No. 216244
For KASG & Co.
FRN: 002228C
(Bharat Goel)
Partner
M No.060069
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M No. 056060
For Khandelwal Jain & Co.
FRN : 105049W
(I. C. Jain)
Partner
M No.008791
211
2013-14
legueve-he$e keer Devegmetefeeeb
Schedules to Balance Sheet
(` in 000s)
31 ceee&, 2014 kees
Devegmeteer -1 Hetbpeer
HeeefOeke=le Hetbpeer
Heefle ` 10/- kes 300,00,00,000
Mesej
(efheues Je<e& 300,00,00,000/eefle Mesej ` 10/- kes)
efveie&efcele leLee DeefYeoe
Hetbpeer
Heefle ` 10/- kes 43,21,48,587
FefkeJeer Mesej
(efheues Je<e& 42,39,89,803 FefkeJeer Mesej
eefle ` 10/- kes)
ceebieer ieF& hetbpeer SJeb eoe hetbpeer
eefle ` 10/- kes 42,94,15,087 FefkeJeer
Mesej (efHeues Je<e& 42,12,56,303 Mesej)
efpemeceW kesv mejkeej eje Oeeefjle kegue
` 241.57 kejes[ jeefMe kes 24,15,71,283
FefkeJeer Mesej (efheues Je<e& 23,34,12,499
Mesej) Meeefceue nw.b
pees[W : peyle efkeS ieS Mesej
pees[
Devegmeteer-2
I meebefJeefOeke Heejef#ele efveefOeeeb
HeejefcYeke Mes<e
DeJeefOe kes oewjeve HeefjJeOe&ve
II Heejef#ele Hetbpeer
(` 1052.61 kejes[ keer
hegvecet&ueebefkele eejef#ele efveefOe meefnle
(efHeues Je<e& ` 1104.26 kejes[ )
HeejefcYeke Mes<e
Je<e& kes oewjeve heefjJeOe&ve
DeJeefOe kes oewjeve meceeeespeve
keewefleeeb :
ueeYe-neefve Keeles ceW Debleefjle
Hetvece&tueebefkele Dee} DeeefmleeeW Hej
cetue eme
III Mesej Heerefceece
HeejefcYeke Mes<e
Je<e& kes oewjeve HeefjJeOe&ve
212
31 ceee&, 2013 kees
As on 31st Mar, 2014

`
`

`
`
3000,00,00
3000,00,00
432,14,85
423,98,98
429,41,51
1,26,12
430,67,63
421,25,63
1,26,12
422,51,75
8119,36,41
5863,91,33
1120,18,00 6984,09,33
SCHEDULE - 1 CAPITAL
AUTHORISED CAPITAL
300,00,00,000 Shares of
`10/- each
(previous year 300,00,00,000/shares of `10/- each)
ISSUED AND SUBSCRIBED
CAPITAL
43,21,48,587 Equity Shares of
`10/- each
(previous year 42,39,89,803
shares of `. 10/- each)
CALLED-UP & PAID-UP CAPITAL
42,94,15,087 (previous year
42,12,56,303) Equity Shares
of `10 each including
24,15,71,283 Equity Shares
Shares) amounting to
` 241.57 crores held by Central
Government
Add : Forfeited Shares
Total
SCHEDULE - 2
RESERVES & SURPLUS
I Statutory Reserves
Opening Balance
Additions during the year
II Capital Reserves
(including Revaluation
Reserve of ` 1052.61 crores
(previous years ` 1104.26
crores)
Opening Balance
Adjustments during the period
6984,09,33
1135,27,08
1986,92,90
1974,89,59
8,69,02
81,44,81
11,99,60
(42,50)
2007,61,52
2055,91,90
Deductions:
Depreciation on revalued
fixed assets transferred to
Profit & Loss account
(63,64,65)
1943,96,87
(68,99,00)
1986,92,90
III Share Premium

Opening Balance
7172,58,50
541,84,12
6332,71,79
7714,42,62
839,86,71
7172,58,50
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
31 ceee&, 2013 kees

`
Devegmeteer-2 Heejef#ele efveefOeeeb Deewj DeefOeMes<e (peejer)

SCHEDULE - 2 RESERVES & SURPLUS (Contd.)
IV
jepemJe Deewj Deve Heejef#ele /

efveefOeeeb
ke) meebefJeefOeke Heejef#ele efveefOeeeb
(efJeosMeer)
HeejbefYeke Mes<e
Je<e& kes oewjeve meceeeespeve
IV
Revenue & Other

Reserves
a) Statutory Reserve
(Foreign)
Opening Balance
106,39,92
102,61,85
106,39,92
3,78,07
106,39,92
2409,23,66
1559,23,66
912,06,65
850,00,00
3321,30,31
2409,23,66
Opening Balance
982,23,42
696,58,14
Adjustments during
the period
853,68,46
285,65,28
1835,91,88
982,23,42
11905,44,37
10534,50,25
1401,37,88
1369,46,69
(793,20,38)
1,47,43
12513,61,87
11905,44,37
Additions during the

year
Adjustments during
the period
Ke) Deeekej DeefOeefveece keer

Oeeje 36(1)(viii) kes Debleie&le
efJeMes<e eejef#ele efveefOeeeb
HeejefcYeke Mes<e
b) Special Reserve u/s

36(1)(viii) of Income
Tax Act, 1961
ie. efJeosMeer cege heevleefjle

eejef#ele efveefOeeeb
eejbefYeke Mes<e
c) Foreign Currency
Translation Reserve
Ie
Deve eejef#ele efveefOeeeb

eejbefYeke Mes<e
pees[ - IV (ke, Ke, ie Deewj Ie)
pees[ (I mes IV)
Opening Balance
period
d) Other Reserves
Opening Balance
year
Adjustments during
the period
TOTAL - IV (a, b, c & d)
17777,23,98
15403,31,37
TOTAL (I to IV)
35554,99,88
31546,92,10
213
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
Devegmeteer-3 peceejeefMeeeb
ke. I
ceebie-peceejeefMeeeb
i)
SCHEDULE - 3
A.
II
II
yeele yeQke peceejeefMeeeb
1404,99,05
47795,87,74 50050,38,65 34273,31,59 35678,30,64

96437,43,83
Savings Bank Deposits
84302,60,67
i) From Banks
105824,36,47
ii) Deve mes
ii) From Others
316582,19,90 422406,56,37 281480,44,64 353902,42,44
pees[ (I mes III)
TOTAL (I to III)
Yeejle ceW efmLele MeeKeeDeeW B. I

keer peceejeefMeeeb
Deposits of branches in
India
379054,03,62
341705,59,38
Deposits of branches
outside India
189840,35,23
132177,74,37
TOTAL (I & II)
568894,38,85
473883,33,75
i)
II
2254,50,91
III Term Deposits
III ceereeoer peceejeefMeeeb
Ke. I
yeQkeesb mes
II
Yeejle mes yeenj efmLele

MeeKeeDeeW keer peceejeefMeeeb
pees[ (I Deewj II)
Devegmeteer - 4
GOeej ueer ieeer jeefMeeeb
SCHEDULE - 4
BORROWINGS
I.
I. Borrowings in India
Yeejle ceW GOeej ueer ieeer jeefMeeeb
72421,97,80
568894,38,85
473883,33,75
i) Yeejleere efj]peJe& yeQke
i)
Reserve Bank of India
2000,00,00
ii) Deve yeQke
ii)
Other Banks
2022,52,09
335,41,89
iii) Deve mebmLeeve SJeb
iii) Other Institutions and

Agencies
2,08,22
205,09,01
iv) Innovative Perpetual Debt

Instruments (IPDI)
1911,70,00
1911,70,00
v)
5000,00,00
5000,00,00
4490,00,00
2490,00,00
SpeWefmeeeb
iv) veJeesvces<eer yesceereeoer $e+Ce efueKele
(DeeF&heer[erDeeF&)
v) yeeb[eW kes He ceW peejer nee efye[
$e+Ce Hetbpeer
vi) ieewCe yeeb[
pees[ (i to vi)
II.
Yeejle kes yeenj GOeej ueer ieeeR jeefMeee

1050 efceefueeve etSme [e@uej DeLee&le
(`6291.10 kejes[ kes SceerSve yeeb[
meefnle) (efheues Je<e& 300 efceefueeve
etSme [e@uej DeLee&le `1628.55 kejes[ )
Hybrid Debt Capital

Instruments issued as bonds
vi) Subordinated Bonds

TOTAL (I to VI)
Borrowings outside India (includes
MTN Bonds of USD 1050 mn, INR
equivalent of ` 6291.10 crores
(previous year USD 300mn
`1628.55 crores)
pees[GOeej ueer ieF& jeefMeeeb (I SJeb II) Total - Borrowings (I & II)
GHejeskele ceW Meeefceue peceeveleer GOeej jeefMeeeb Secured Borrowings included in above
214
Demand Deposits
ii) From Others
ii) Deve mes
DEPOSITS
i) From Banks
yeQkeesb mes
31 ceee&, 2013 kees
15426,30,31
9942,20,90
21386,66,57
16637,07,28
36812,96,88
26579,28,18
3612,00,75
2767,77,47
2013-14
(` in 000s)
31 ceee&, 2014 kees
Devegmeteer - 5
SCHEDULE - 5
Deve oseleeSb Deewj HeeJeOeeve :
OTHER LIABILITIES AND

PROVISIONS
I
Bills Payable
ose efyeue
II
Deblej keeee&uee meceeeespeve II

(Meg)
III
GHeefele yeepe
IV
ceeveke DeefieceeW keer SJepe ceW IV Contingent Provision against

Standard Advances
Deekeefmceke HeeJeOeeve
Deve (HeeJeOeeveeW meefnle)
III
Inter Office Adjustments (Net)

Interest Accrued
Others (including provisions)

TOTAL (I to V)
pees[ (I mes V)
Devegmeteer - 6
SCHEDULE - 6
vekeoer Deewj Yeejleere efj]peJe&

yeQke kes Heeme Mes<e
CASH AND BALANCES WITH

RESERVE BANK OF INDIA
31 ceee&, 2013 kees

`
`

`
`
1557,20,31
1427,03,70
936,13,82
360,51,59
3725,00,96
3259,39,79
2401,44,88
1820,37,84
9191,70,13
7836,05,33
17811,50,10
14703,38,25
2218,48,27
1559,50,62
neLe ceW vekeoer (efJeosMeer cege I

veeseW meefnle)
Cash in hand (including foreign

currency notes)
II
Balances with Reserve Bank of

India in Current Account
16410,61,12
11892,57,21
TOTAL (I & II)
18629,09,39
13452,07,83
II Yeejleere efj]peJe& yeQke kes
Heeme eeuet Keeles ceW Mes<e

jeefMe
pees[ (I Deewj II)
215
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
31 ceee&, 2013 kees

`
Devegmeteer -7
SCHEDULE - 7
yeQkeeW kes Heeme Mes<e jeefMe leLee ceebie BALANCES WITH BANKS AND
SJeb DeuHe metevee Hej ose jeefMe MONEY AT CALL & SHORT NOTICE
I Yeejle ceW
i) yeQkeeW kes Heeme Mes<e jeefMe
I In India
i) Balances with Banks
ke) eeuet KeeleeW ceW
a) in Current Accounts
1045,29,51
Ke) Deve pecee KeeleeW ceW
b) in Other Deposit Accounts
1467,22,30
ii) ceebie SJeb DeuHe metevee Hej ose jeefMe
2512,51,81
3448,27,37
a) Banks
Ke) Deve mebmLeeveeW kes heeme
b) Other institutions
pees[ (i Deewj ii )
TOTAL (i and ii)
2445,00,00
-
6411,69,11
2512,51,81
II Outside India
i) in Current Accounts
20124,45,27
11638,16,35
ii) Deve pecee KeeleeW ceW
ii) in Other Deposit Accounts
62843,47,59
24558,99,01
iii) yeQkeeW kes Heeme ceebie SJeb DeuHe
iii) Money at Call and Short Notice

with Banks
26768,37,17
22253,20,03
pees[ (i, ii Deewj iii)

kegue pees[ (I Deewj II)
216
8856,69,11
13496,47,21
i) eeuet KeeleeW ceW
metevee Hej ose jeefMe
4639,78,10
ii) Money at call and short notice with
ke) yeQkeeW kes heeme
II Yeejle mes yeenj
1191,50,73
TOTAL (i, ii and iii)

TOTAL (I and II)
109736,30,03
58450,35,39
112248,81,84
71946,82,60
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
Devegmeteer-8 efveJesMe
SCHEDULE - 8 INVESTMENTS
I Yeejle ceW efveJesMe (mekeue)
I Investments in India (Gross)
IeeeW : cetueeme kes efueS HeeJeOeeve
Less: Provision for Depreciation
Yeejle ceW Meg efveJesMe
Net Investments in India
Deueie-Deueie efJeJejCe
BREAK - UP
i) mejkeejer eefleYetefleeeb
i) Government Securities
(efkeueeeEjie keeheexjMs eve Dee@He

Fbe[f ee ceW uee@pe efkeS ieS
`156.77 kejes[ kes Debekf ele cetue
(efheues Je<e& `772.28 kejes[ ) kes
`150.00 kejes[ meefnle (efheues
Je<e& `815.00 kejes[ ) Meeefceue nw
[Includes ` 156.77 crores

(Previous year ` 772.28 crores)
face value of ` 150.00 crores
(Previous year `815.00 crores)
lodged with Clg. Corp. of India]
[ScemeerSkeme kes meeLe uee@pe efkeS

ieS `0.53 kejes[ kes Debekf ele cetue
(efheues Je<e& `19.70) kes `0.50
kejes[ meefnle (efheues Je<e& `20.30)]

face value of ` 0.50 crores
lodged with MCX]
[SveSmeF& kes heeme uee@pe efkeS ieS

` Metve kejes[ Debekf ele cetue (efheues
Je<e& `24.27 kejes[ ) kes ` Metve
kejes[ (efheues Je<e& `25.00 kejes[ )]
[Includes ` NIL- crores

face value of ` -NIL- crores
lodged with NSE]
Meeefceue nw
[etSmeF& ceW pecee 0.30 kejes[ Debekf ele
cetue (efheues Je<e& `14.97 kejes[ )
kes `0.30 kejes[ (efheues Je<e&
`15.25 kejes[ )] Meeefceue nw
31 ceee&, 2013 kees

`
111424,61,45
117537,50,11
769,16,16
777,92,85
110655,45,29
116759,57,26
95736,09,38
102044,53,23
1,28,00
133,23,00

face value of `0.30 crores
lodged with USE]
ii) Deve Devegceesefole HeefleYetefleeeb
ii) Other Approved Securities
iii) Mesej
iii) Shares
1734,94,06
1504,91,18
iv) ef[yeWej Deewj yeeb[
iv) Debentures and Bonds
3893,79,84
2947,38,22
v) Deveg<ebieer FkeeFeeb Deewj / ee

mebege Gece [FmeceW yeQke kee,
v) Subsidiaries and/or Joint

Ventures [includes Bank's
share of contribution as
advance of ` 152.91 crores
towards Share Capital of RRBs
pending allotment]
858,61,77
826,57,58
vi) Other Investments (Commercial

Papers, Units of UTI & Other
Mutual Funds, Pass Through
Certificates etc.)
8430,72,24
9302,94,05
110655,45,29
116759,57,26
#es$eere ieeceerCe yeQkeeW kees Deefiece

kes He ceW Mesej Hetbpeer DebMeoeve
HeWef[bie DeueeceQ `152.91
kejes[) (efheues Je<e& `152.91
kejes[) Meeefceue nQ.]
vi) Deve efveJesMe
(JeeefCeefpeke He$eeW, cetegDeue

Heb[ keer etefveW, Heeme-Let HeceeCe
He$e Deeefo)
217
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
31 ceee&, 2013 kees

`
`
Devegmeteer-8 efveJesMe (peejer)
SCHEDULE - 8 INVESTMENTS (contd.)

II Investments Outside India (Gross)
II Yeejle kes yeenj efveJesMe
(mekeue)
IeeeW : cetueeme kes efueS
HeeJeOeeve
Yeejle kes yeenj Meg
efveJesMe
Deueie-Deueie efJeJejCe
i) mejkeejer Heelf eYetelf eeeb
(mLeeveere HeeefOekejCeeW meefnle)
ii) efJeosMeeW ceW Deveg<ebefieeeb
Deewj / ee mebege Gece
iii) Deve efveJesMe
(ef[yeWej, yeeb[ Deeefo)
pees[ (I Deewj II)
Devegmeteer-9 Deefiece
Less: Provision for Depreciation
5707,63,40
4775,37,26
250,42,55
141,22,08
Net Investments Outside India

BREAK - UP
i) Government Securities
(Including Local Authorities)
ii) Subsidiaries and/or joint
ventures abroad
iii) Other Investments
(Debentures, Bonds etc.)
5457,20,85
1043,64,61
1114,75,53
745,01,49
737,10,40
3668,54,75
2782,29,25
5457,20,85
4634,15,18
TOTAL (I and II)
116112,66,14
eesie $e+Ce
iii) ceereeoer $e+Ce
iii) Term Loans
TOTAL A (i to iii )
pees[ ke (i mes iii)
B. i) Secured by Tangible Assets
Ke. i) cetle& DeeefmleeeW mes
(includes advances against
HeefleYeteflele (yener-$e+Ce keer
Book Debts)
SJepe ceW DeefieceeW meefnle)
ii) yeQke/mejkeejer ieejber mes
ii) Covered by Bank/Government
Guarantees
jef#ele
iii) iewj-peceeveleer
iii) Unsecured
TOTAL B (i to iii)
pees[ Ke (i mes iii)
I
C.
I
Advances in India
ie.
Yeejle ceW Deefiece
i HeeLeefcekelee HeeHle #es$e
i Priority Sector
ii Public Sector
ii meeJe&peefveke #es$e
iii Banks
iii yeQke
iv Others
iv Deve
II Advances Outside India
II Yeejle mes yeenj Deefiece
i Due from Banks
i yeQkeeW mes HeeHe
ii Due from Others
ii Deve mes HeeHe
a) Bills Purchased
ke) Kejeros Deewj YegveeS
& Discounted
ieS efyeue
b) Syndicated Loans
Ke) eEme[erkes $e+Ce
c) Others
ie) Deve
218
121393,72,44
SCHEDULE - 9 ADVANCES
ke. i) Kejeros Deewj YegveeS ieS efyeue A. i) Bills Purchased and Discounted 53018,02,23
ii) Cash Credits, Overdrafts and
ii) vekeo $e+Ce, DeesJej [êHe
Loans Repayable on Demand
178648,72,00
Deewj ceebie Hej egkeewleer
pees[ ie(I Deewj II)
4634,15,18
TOTAL C (I & II)
48409,29,55
138333,54,50
165339,06,85
141442,92,44
397005,81,08
328185,76,49
276384,83,62
226454,54,33
66207,18,68
59970,69,98
54413,78,78
41760,52,18
397005,81,08
328185,76,49
84176,70,01
79467,14,90
228,94,36
22539,06,68
30,89,62
2571,30,19
187732,41,87 272168,95,86 119716,80,90 224294,32,67
57342,06,30
57387,00,00
7080,81,28
6457,89,46
26575,59,35
14772,30,59
33838,38,29 124836,85,22 25274,23,77 103891,43,82
397005,81,08
328185,76,49
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
Devegmeteer-10 Deeue Deeefmleeeb
SCHEDULE - 10 FIXED ASSETS
Heefjmej
efheues Je<e& kes 31 ceee& kees ueeiele Hej
Je<e& kes oewjeve HeefjJeOe&ve/
meceeeespeve
Je<e& kes oewjeve
keewefleeeb/meceeeespeve
(Hegvecet&ueebefkele jeefMe meefnle)
Premises
At cost as on 31st March of the
preceding year
Additions/adjustments during
the year
Deductions/adjustments during
the year
(Includes revalued amount)
Less:- Depreciation/
IeeSb - Deepe keer leejerKe leke
Amortisation to date
cetueeme/HeefjMeesOeve
II Deve Dee} Deeefmleeeb (Heveeaej SJeb II Other Fixed Assets (including
Furniture & Fixtures)
efHekemeej kees efce}ekej) efheues Je<e& kes
At cost as on 31st March of the
31 ceee& kees ueeiele Hej
Je<e& kes oewjeve heefjJeOe&ve/

meceeeespeve
IeeSb : Je<e& kes oewjeve
keewefleeeb/meceeeespeve
IeeSb : Deepe keer leejerKe leke
cetueeme
pees[ (I mes II)
31 ceee&, 2013 kees

`
`
preceding year
Additions/adjustments during
the year
Less: Deductions/adjustments
during the year
Less : Depreciation to date
TOTAL (I to II)
2629,06,55
2584,13,89
179,51,11
44,92,66
2808,57,66
2629,06,55
3,90,64
2804,67,02
2629,06,55
996,78,44
1807,88,58
907,63,28
2751,90,21
2337,44,82
547,27,28
473,09,13
3299,17,49
2810,53,95
45,77,24
58,63,74
3253,40,25
2751,90,21
2327,16,57
926,23,68
2734,12,26
2020,21,88
1721,43,27
731,68,33
2453,11,60
219
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
31 ceee&, 2013 kees

`
Devegmeteer -11
Deve Deeefmleeeb
SCHEDULE - 11
OTHER ASSETS
Interest Accrued
4630,94,34
3636,82,35
II
Tax paid in advance/tax

deducted at source (net of
provisions)
4826,09,35
3374,52,25
7,16,79
6,53,06
3309,82,15
2686,05,41
12774,02,63
9703,93,07
48,26,16
54,09,58
28,00
28,00
170986,85,95
136024,70,55
GHeefele yeepe
II Deefiece kej Yegieleeve/eesle Hej kej
keewleer
(HeeJeOeeveeW kee efveJeue)
III uesKeve meeceieer Deewj mecHe
III Stationery & Stamps
IV Deve
IV Others
TOTAL (I to V)
pees[ (I mes V)
Devegmeteer -12
I
SCHEDULE - 12
CONTINGENT LIABILITIES
yeQke kes efJe oeJes efpevnW osveoejer veneR I

ceevee ieee
II DeebefMeke egkelee efveJesMeeW kes efuees oselee II
Claims against the Bank not

acknowledged as Debts
Liability for partly paid
Investments
III yekeeee Jeeeoe efJeefvecee mebefJeoeDeeW kes III Liability on account of

outstanding Forward Exchange
keejCe oselee
Contracts
IV mebIekeeW keer Deesj mes oer ieeer
ieejbefeeb :
ke)
Yeejle ceW
Ke) Yeejle mes yeenj
IV Guarantees given on behalf of

Constituents :
a) In India
16453,04,14
b) Outside India
12741,41,33 29194,45,47 14181,13,88 28452,59,24
V mJeerke=efleeeb, Hejebkeve SJeb Deve oeefelJe V Acceptances, Endorsements

and Other Obligations
VI Deve ceoW, efpevekes efueS yeQke keer
Deekeefmceke oselee nQ,

pees[ (I mes VI)
220
VI Other items for which the

Bank is Contingently liable
TOTAL (I to VI)
14271,45,36
19969,19,78
18995,94,13
39713,72,49
21101,30,19
259912,77,85
204628,91,69
2013-14
ueeYe neefve uesKes keer Devegmetefeeeb
Schedules to Profit & Loss Account
(` in 000s)
31 ceee&, 2014 kees
31 ceee&, 2013 kees
Year Ended
31st Mar, 2014
Devegmeteer-13
Deefpe&le yeepe
SCHEDULE - 13
INTEREST EARNED
DeefieceeW/efyeueeW Hej yeepe/yee
II efveJesMeeW Hej Deee
II
Interest / Discount on
Advances / Bills
Income on Investments
III Interest on Balances with

Reserve Bank of India and
jkece Deewj Deve Deblej yeQke efveefOeeeW
other Inter-Bank Funds
Hej yeepe
IV Deve
IV Others
III Yeejleere efj]peJe& yeQke kes Heeme Mes<e
TOTAL (I to IV)
pees[ (I mes IV)
Devegmeteer -14
Deve Deee
SCHEDULE - 14
OTHER INCOME
Commission, Exchange and

Brokerage
II
Profit on sale of Investments
keceerMeve, efJeefvecee Deewj oueeueer
II efveJesMeeW kes efJeee Hej ueeYe
Less: Loss on sale of

Investments
III Yetefce, FceejleeW Deewj Deve DeeefmleeeW III Profit on sale of Land,
Buildings and Other Assets
kes efJeee Hej ueeYe
Less: Loss on sale of Land,
IeeSb : Yetefce, FceejleeW Deewj Deve
DeeefmleeeW keer efyeeer hej neefve
IeeSb : efveJesMeeW keer efyeeer hej neefve
IV Profit on Exchange
Transactions
Less: Loss on Exchange
IeeSb : efJeefvecee uesve-osve hej neefve
Transactions
V efJeosMeeW/Yeejle ceW Deveg<ebieer FkeeFeeW V Income Earned by way
of Dividends etc. from
kebHeefveeeW Deewj/ee mebege GeceeW mes
Subsidiaries/Companies and/
}eYeebMe Deeefo kes He ceW Deefpe&le Deee
or Joint Ventures abroad/ in
India
VI efJeefJeOe Deee
VI Miscellaneous Income
IV efJeefvecee uesve-osve hej ueeYe
pees[ (I mes VI)
TOTAL (I to VI)
25867,05,54
8695,99,11
7483,38,60
1533,86,12
1443,02,26
831,76,38
403,19,04
38939,70,95
35196,65,44
1437,39,32
1257,35,64
628,76,73
743,79,60
2,96,30
2,77,23
11,47,74
617,28,99
1,23,97
19,07
1039,17,31
11,40
27878,09,34
774,18,11
30,38,51
Year Ended
31st Mar, 2013
2,03,60
(79,63)
804,06,16
1039,05,91
1,55,52
802,50,64
40,73,73
38,32,24
1201,56,78
915,94,61
4462,74,41
3630,62,49
221
2013-14
(` in 000s)
31 ceee&, 2014 kees
Devegmeteer-15
Kee& efkeee ieee yeepe
I
peceejeefMeeeW Hej yeepe
II
Yeejleere efj]peJe& yeQke/ Deblej yeQke

GOeej jeefMeeeW Hej yeepe
III Deve
I
II
kece&eeefjeeW kees Yegieleeve Deewj

lelmebybeOeer HeeJeOeeve
efkejeee, kej Deewj efyepeueer
Year Ended
31st Mar, 2013
`
`
25220,93,76
22445,69,11
674,78,56
1078,64,00
461,09,24
974,60,56
26974,36,32
23881,38,91
4139,72,39
618,87,51
3449,64,85
523,75,72
SCHEDULE - 15
INTEREST EXPENDED
I
Interest on Deposits
II
Interest on Reserve Bank of

India / Inter Bank Borrowings
III Others
TOTAL (I to III)
pees[ (I mes III)

Devegmeteer-16
Heefjeeueve Jee
31 ceee&, 2013 kees
Year Ended
31st Mar, 2014
`
`
SCHEDULE - 16
OPERATING EXPENSES
I
Payments to and Provisions

for Employees
II
Rent, Taxes and Lighting
III HeeF& Deewj uesKeve meeceieer
III Printing and Stationery
70,61,58
56,07,26
IV efJe%eeHeve SJeb Heeej
IV Advertisement and Publicity
63,80,54
61,06,31
yeQke keer mecHeefe Hej

cetueeme
IeeeW : Dee} mecHeefeeeW kes
Hegvecet&ueebkeve kes keejCe Heejef#ele
Hetbpeer mes meceeeesefpele cetueeme
VI efveosMekeeW keer Heerme, Yees
Deewj Kee&
Depreciation on Bank's
Property
Less Depreciation adjusted

from capital reserve on
account of revaluation of
immovable properties
VI Directors' Fees, Allowances
and Expenses
408,67,18
63,64,65
369,62,71
345,02,53
68,99,00
300,63,71
1,00,29
1,24,84
49,65,98
36,36,24
33,83,02
30,53,23
IX Postages, Telegrams,
Telephones etc.
145,31,60
118,54,21
199,35,54
183,67,75
391,52,59
296,65,20
1075,79,77
891,07,53
7137,06,56
5946,73,63
VII uesKee Hejer#ekeeW keer Heerme Deewj Keex
VII Auditors' Fees and Expenses

(including Branch Auditors'
(MeeKee uesKee Hejer#ekeeW keer Heerme SJeb
Fees and Expenses)
Keex meefnle)
VIII efJeefOe HeYeej
VIII Law Charges
IX [eke, leej Deewj
sueerHeesve Deeefo
X cejccele Deewj jKejKeeJe
Repairs and Maintenance
XI yeercee
XI Insurance
XII Deve Keex
XII Other Expenditure
pees[ (I mes XII)
222
TOTAL (I to XII)
2013-14
Devegmeteer-17 : 31 ceee&, 2014 kees meceeHle Je<e& keer GuuesKeveere uesKeebkeve veerefleeeb
Schedule - 17 : Significant accounting policies for the year ended March 31, 2014
1. leweejer kee DeeOeej

efJeeere efJeJejefCeeeb, peye leke efke DeveLee GuuesKe ve nes, HejcHejeiele ueeiele
DeeOeej Hej leweej keer ieF& nQ. es Yeejle ceW meeceeveleee ceeve uesKeebkeve
efmeeble (peerSSheer)kes Devegmeej nQ efpeveceW meebefJeefOeke HeeJeOeeve, efJeefveeeceke/
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMe, Yeejleere meveoer uesKeekeej mebmLeeve
(DeeF&meerSDeeF&) eje peejer uesKee ceeveke/ceeie&oMeea veesdme leLee Yeejle kes yeQefkebie
Geesie ceW Heeefuele keee&HeCeeueer meceeefJe< nw. efJeosMeer keeee&ueeeW kes meboYe& ceW
mebyebefOele osMeeW kes Heeefuele meebefJeefOeke HeeJeOeeveeW Deewj keee&HeCeeueer kee DevegHeeueve
efkeee ieee nw.
2. DeekeueveeW kee Gheeesie

efJeeere efJeJejCeeW kees leweej kejves ceW efJeeere efJeJejCe keer leejerKe kees efjHees&
keer ieF& Deeefmle SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) leLee efjHees& keer
ieF& DeJeefOe keer Deee SJeb Jee mebyebOeer jeefMe kees efjHees& kejves nsleg HeyebOeve
kees keefleHee DevegceeveeW Deewj DeekeueveeW keer ceoo uesveer he[leer nw. HeyebOeve kee
efJeMJeeme nw efke efJeeere efJeJejCe kees leweej kejves kes efueS Heegkele Deekeueve
efJeJeskeHetCe& Deewj Gefele nQ. YeeJeer heefjCeece Fve DeekeueveeW mes efYeVe nes mekeles nQ.
uesKee DevegceeveeW ceW keesF& Yeer heefjJele&ve/mebMeesOeve Jele&ceeve SJeb YeeJeer DeJeefOe mes
ceeve nesiee peye leke efke DeveLee GuuesKe ve efkeee ieee nes.
3. efveJesMe
3.1 JeieeakejCe

yeQke kes mebHetCe& efveJesMe Hees&Heesefueees kee JeieeakejCe Yeejleere efj]peJe& yeQke
kes efveoxMeeW kes DevegHe efvecveevegmeej efkeee ieee nw, efpemeceW

(ke) HeefjHekeJelee leke Oeeefjle ceW Jes efveJesMe Meeefceue nbw efpevnW HeefjHekeJelee
leke jKeves kes GsMe mes HeeHle efkeee ieee nw.
(Ke) JeeHeej nsleg Oeeefjle ceW Jes efveJesMe Meeefceue nQ, efpevnW JeeHeej kes
GsMe mes HeeHle efkeee ieee nw.
BASIS OF PREPARATION
The financial statements have been prepared under the
historical cost convention unless otherwise stated. They
conform to Generally Accepted Accounting Principles
(GAAP) in India, which comprises statutory provisions,
regulatory/ Reserve Bank of India (RBI) guidelines,
Accounting Standards/ guidance notes issued by the
Institute of Chartered Accountants of India (ICAI) and the
practices prevalent in the banking industry in India. In
respect of foreign offices, statutory provisions and practices
prevailing in respective foreign countries are complied with.
USE OF ESTIMATES
The preparation of financial statements requires the

management to make estimates and assumptions
considered in the reported amount of assets and liabilites
(including contingent liabilites) as of date of the financial
statements and the reported income and expenses for 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
unless otherwise stated.
3 INVESTMENTS
3.1 Classification

The Investment portfolio of the Bank is classified, in
accordance with the Reserve Bank of India guidelines,
into:
(ie) efyeeer nsleg GHeueyOe ceW Jes efveJesMe Meeefceue nQ, pees GHejeskele (ke)
leLee (Ke) ceW Meeefceue veneR nbw, DeLee&le pees ve lees JeeHeej kes GsMe
mes HeeHle efkeS ieS nQ Deewj ve ner HeefjHekeJelee leke jKeves kes GsMe
mes HeeHle efkeS ieS nQ.
3.2 DeefOeenCe ueeiele

efveJesMe keer DeefOeenCe ueeiele ceW eeslmeenve, eejbefYeke Meguke SJeb
keceerMeve jeefMe meefcceefuele nw.
3.3 cetueebkeve kee DeeOeej

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW kees Yeeefjle
Deewmele DeefOeenCe ueeiele Hej efueee ieee nw, yeMelex Jen Debefkele cetue
mes DeefOeke nes, Fme efmLeefle ceW Heerefceece kees HeefjHekeJelee keer Mes<e DeJeefOe
leke HeefjMeesefOele efkeee ieee nw.

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW ceW ef[yeWej/yeeb[, efpevnW
mJeHe/Heke=efle keer ef< mes Deefiece ceevee peelee nw, Meeefceue nw (efpevekes efueS
Deeefmle JeieeakejCe mebyebOeer Yeejleere efjp] eJe& yeQke kes efJeJeskeHetCe& ceeveob[ leLee
DeefieceeW Hej ueeiet HeeJeOeeve kes Devegmeej eeJeOeeve efkeS peeles nQ)
Held to Maturity (HTM) comprising Investments

acquired with the intention to hold them till
maturity.
Held for Trading (HFT) comprising Investments

acquired with the intention to trade.
Available for Sale (AFS) comprising Investments

not covered by (a) and (b) above i.e. those which
are acquired neither for trading purposes nor for
being held till maturity.
3.2 Acquisition Cost

Cost of acquisition of Investments is net of incentives,

front-end fees and commission.
3.3 Basis of Valuation

Investments classified as HTM are carried at weighted
average acquisition cost unless it is more than the face
value, in which case the premium is amortized over
the period remaining to maturity.

Investments classified as HTM includes debentures /
bonds which are deemed to be in the nature of / treated
as advances (for which provision is made by applying
the RBI prudential norms of assets classification and
provisioning applicable to Advances).
223

2013-14
Ke) FefkeJeer Mesej,

- Deeleve legueve-He$e (12 ceen mes DeefOeke
HeerSmeet Deewj ^mer Hegjevee veneR) kes Devegmeej yener cetue Hej
Mesej
DeveLee `1/- Heefle kebHeveer.
ie) DeefOeceeveer Mesej - mecegef ele esef[ mes[ ceeke&-Dehe kes meeLe
heefjhekeJelee kes eefleHeue kes DeeOeej hej
Ie) HeerSmeet yeeb[
- mecegefele esef[ mHes[ ceeke& DeHe kes meeLe
HeefjHekeJelee kes HeefleHeue kes DeeOeej Hej.
[.) cetegDeue Heb[ keer
Heb[ eje Heleske mkeerce kes mebyebOe
etefveW
ceW Ieesef<ele Deeleve HegveKe&jero cetue/
Sve.S.Jeer. Hej
e) Gece Hetbpeer
uesKeeHejeref#ele legueveHe$e, pees efke 18 ceen
mes peeoe Hegjeveer ve nes, kes Devegmeej
Ieesef<ele SveSJeer ee Deueie-Deueie SveSJeer.
eefo, ueieeleej 18 ceen mes DeefOeke kes
SveSJeer ee uesKeeHejeref#ele efJeeere Deebke[s
GHeueyOe ve nes lees Heefle JeermeerSHe ` 1/) megj#ee jmeeroW
Yeejleere efj]peJe& yeQke/mesyeer kes efoMee
efveoxMeeW kes Deveghe Deeefmle hegveefvecee&Ce
kecheveer (SDeejmeer) eje efveJeue Deeefmle
cetue (SveSmeJeer) Ieesef<ele efkeee ieee.
3.4 efveJesMeeW kee efvemleejCe

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efkeS ieS efveJesMeeW keer
efyeeer Hej nesves Jeeues ueeYe/neefve kees, efveJesMe mes mebyebeOf ele Yeeefjle Deewmele
224
#es$eere ieeceerCe yeQkeeW, ^s]pejer efyeue, keceefMe&eue HesHeme&, Fbefoje efJekeeme-He$e,

efkemeeve efJekeeme He$e Deewj pecee HeceeCe-He$e Hej efkeS ieS efveJesMe Meeefceue
nQ Deewj efpevekes cetue kee efveOee&jCe jKeeJe ueeiele Hej efkeee ieee nw.
mebegkele GeceeW leLee Deveg<ebefieeeW ceW (Yeejle leLee efJeosMe oesveeW ceW), DemLeeeer
Hekeej kes efveJesMeeW kees es[kej efveJesMeeW kee cetueebkeve, eme cetue kees
Ieekej DeefOeienCe ueeiele Hej efkeee peelee nw.
JeermeerSHe FkeeFeeW ceW efoveebke 23.08.2006 kes yeeo efkeS ieS yeQke
efveJesMeeW kees eejbefYeke leerve Je<e& keer DeJeefOe kes efueS heefjhekeJelee leke
Oeeefjle mebJeie& ceW Jeieeake=le efkeee peelee nw Deewj ueeiele hej cetueebefkele
efkeee peelee nw. mebefJelejCe kes leerve Je<e& heMeele Fmes efyeeer kes efueS
GheueyOe ceW Debleefjle kej efoee peelee nw Deewj Yeejleere efj]peJe& yeQke kes
efoMee-efveoxMeeW kes Devegmeej yeepeej kes he ceW efeefvnle efkeee peelee nw.
JeeHeej kes efueS Oeeefjle SJeb efyeeer kes efueS GHeueyOe kes He
ceW Jeieeake=le efveJesMe, efmeHeJeej yeepeej kes he ceW efeefvnle efkees
peeles nQ Deewj legueve he$e ceW Ieesef<ele HeefjCeeceer Meg cetueeme eefo
keesF& nes, kees ueeYe neefve Keeles kes efnmeeye ceW efueee peelee nw,
peyeefke eefo keesF& cetue Je=ef nes lees Gmes es[ efoee peelee nw.
eeLeefceke [eruej kes he ceW yeQke eje Jeeheej kes efueS Oeeefjle mebJeie&
kes Devleie&le ^spejer efyeueeW ceW efveJesMe kee cetueebkeve cetueeW kes Devegmeej
efleceener DeeOeej hej efkeee peelee nw.
JeeHeej kes efueS Oeeefjle leLee efyeeer kes efueS GHeueyOe esCeer kes
efveJesMeeW kes cetueebkeve kes efueS, yee]peej me@ke SkemeeWpe ceW G=le
ojW, HeeFcejer [erueme& SmeesefmeSMeve Dee@He] Fbef[ee (Heer[erSDeeF&)/efHekem[
Fvkece ceveer ceekex Sb[ [sefjJe@efJme SmeesefmeSMeve (SHeDeeF&SceSce[erS)/
Hee@jsve SkemeeWpe [erueme& SmeesefmeSMeve Dee@]He Fbef[ee (SHeF[erSDeeF&)
eje Ieesef<ele ojeW kee GHeeesie efkeee ieee nw.
efpeve efveJesMeeW kes efueS Ssmeer ojW/G=le ojW GHeueyOe veneR nQ, Gvekee cetueve
Yeejleere efj]peJe& yeQke kes efveOee&efjle ceeveob[eW kes Devegmeej efkeee ieee nw,
pees efvecveevegmeej nQ :
ke) mejkeejer/Devegceesefole - HeefjHekeJelee HeefleHeue kes DeeOeej Hej
HeefleYetefleeeb
Investments in Regional Rural Banks, Treasury Bills,

Commercial Papers and Certificates of Deposit have
been valued at carrying cost.
Investments in subsidiaries and joint ventures (both in
India and abroad) are valued at acquisition cost less
diminution, other than temporary in nature.
Banks investments in units of VCFs made after
23.08.2006 are classified under HTM category for
initial period of three years and are valued at cost.
After period of three years from date of disbursement,
it will be shifted to AFS and marked-to-market as per
RBI guidelines.
Investments classified as HFT and AFS are marked to
market scrip-wise and the resultant net depreciation if
any, in each category disclosed in the Balance Sheet
is recognized in the Profit and Loss Account, while the
net appreciation, if any, is ignored.
Investments made by the Bank as Primary Dealer in
Treasury Bills under HFT category have been valued
at carrying cost.
For the purpose of valuation of quoted investments in
Held for Trading and Available for Sale categories,
the market rates / quotes on the Stock Exchanges, the
rates declared by Primary Dealers Association of India
(PDAI) / Fixed Income Money Market and Derivatives
Association (FIMMDA) / Foreign Exchange Dealers
Association of India (FEDAI) are used.
Investments for which such rates / quotes are not
available are valued as per norms laid down by RBI,
which are as under:
a Government /
Approved securities
b Equity Shares,
PSU and Trustee
shares
on Yield to Maturity basis.
at break up value as per the latest

Balance Sheet (not more than 12
months old), otherwise Re.1 per
company.
c Preference Shares - on Yield to Maturity basis
with appropriate credit spread
markup
d PSU Bonds
- on Yield to Maturity basis with
appropriate credit spread markup.
e Units of Mutual
Funds
f Venture Capital
- at the latest repurchase price

/ NAV declared by the Fund in
respect of each scheme.
- Declared NAV or break up NAV

as per audited balance sheet
which is not more than 18 months
old. If NAV/ audited financials
are not available for more than
18 months continuously then at
Re. 1/- per VCF.
g Security Receipts
Declared NAV by the Asset
Reconstruction Company as per
RBI / SEBI guidelines.
3.4 Disposal of Investments

Profit/ loss on sale of Investments classified as HTM
is recognized in the Profit and Loss Account based on
ueeiele/yener cetue kes DeeOeej Hej ueeYe/neefve uesKes ceW efueee peelee nw
leLee HeefjHekeJelee leke Oeeefjle JeieeakejCe ceW efveJesMe keer efyeeer Hej mecelegue
ueeYe kes meceeve jeefMe Hetpb eeriele Heejef#ele Keeles ceW meceeeesepf ele keer ieF& nw.
efyeeer kes efueS GheueyOe Deewj Jeeheej kes efueS Oeeefjle efveJesMeeW keer efyeeer mes
nesves Jeeues ueeYe/neefve kees ueeYe neefve KeeleW ceW eYeeefjle efkeee peelee nw.
2013-14
the weighted average cost / book value of the related

Investments and an amount equivalent of profit on sale
of Investments in HTM classification is appropriated to
Capital Reserve Account.

Profit/ loss on sale of Investment in AFS/ HFT category

is recognized in Profit and Loss Account.
3.5 efveheeve leejerKe DeeOeej hej efkeS ieS efveJesMe kes efueS yeQke Skehe
uesKeebkeve heefle Deheveelee nw.
3.6 efJeosMeer MeeKeeDeeW kes mebyebOe ceW, Yeejleere efj]peJe& yeQke DeLeJee Gme osMe
kes efoMee-efveoxMeeW kees, pees Yeer peeoe meKle neW, kee Heeueve efkeee ieee
nw. efJeosMeeW ceW efmLele Gve MeeKeeDeeW kes ceeceues ceW peneb Hej efoMee-efveoxMe
efJeefveefo&< veneR nQ, Jeneb Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kee Heeueve
efkeee peelee nw.
3.7 Fve esefCeeeW kes yeere HeefleYetefleeeW kes DeblejCe keer ieCevee, DeblejCe keer
leejerKe kees Gmekeer DeefOeienCe ueeiele/yener cetue/yeepeej cetue ceW mes pees
Yeer kece nes, Hej keer peeleer nw Deewj Ssmes DeblejCe kes HeuemJeHe DeeS
cetueeme, eefo keesF& nw, kes efueS HeeJeOeeve efkeee peelee nw.
3.8 iewj-efve<Heeefole HeefleYetefleeeW kes mebyebOe ceW Deee kees ceevelee veneR oer ieF&
nw Deewj Fve HeefleYetefleeeW kes cetue ceW cetueeme kes efueS Yeejleere efj]peJe&
yeQke kes efoMee efveoxMeevegmeej GHeegkele HeeJeOeeve efkeee ieee nw.
3.9 Hegve:Kejero/HeleeJeefle&le Hegve: Kejero

yeQke ves Hegve: Kejero leLee HeleeJeefle&le Hegve: Kejero uesveosveeW kees uesKeebefkele
kejves nsleg Yeejleere efj]peJe& yeQke eje yeleeF& ieF& Ske meceeve uesKee HeCeeueer
kees DeHeveeee nw. (Yeejleere efj]peJe& yeQke kes meeLe eueefveefOe meceeeespeve
megefJeOee (SueSSHe) kes Debleie&le ngS uesveosveeW kees es[kej). hegve: Kejero
SJeb eleeJeefle&le hegve: Kejero mebJeJenejeW kees mebheeefMJe&ke GOeej/$e+Ceoeve
kes Debleie&le ceevee peelee nw efpemeceW mencele MeleeX hej hegve:Kejero kee
kejej efkeee peelee nw. hegve: Kejero kes Devleie&le efyeeer keer eefleYetefleeeW
kees efveJesMe kes Devleie&le oMee&ee peelee nw Deewj eleeJeefle&le hegve: Kejero
eefleYetefleeeW kees efveJesMe ceW Meeefceue veneR efkeee peelee. ueeiele SJeb jepemJe
kees $e+Ce yeepe Jee/Deee kees eLeeefmLeefle uesKeeke=le efkeee peelee nw.

Yeejleere efjpeJe& yeQke kes heeme eueefveefOe meceeeespeve megefJeOee kes Debleie&le
Kejeroer/yeseer ieF& eefleYetefleeeb efveJesMe Keeles ceW veeces/pecee keer peeleer nQ Deewj
mebJeJenej keer heefjhekeJelee hej eleeJeefle&le keer peeleer nQ. Kee& efkees yeepe/
Gme hej Deefpe&le Deee kees Jee/jepemJe kes he ceW efnmeeye ceW efueee peelee nw.
3.5 The Bank is following uniform methodology of

accounting for investments on settlement date basis.
3.10 [sefjJesefJme

yeQke Jele&ceeve ceW yeepe ojeW leLee cege [sefjJesefJme ceW [erue kejlee nw.
yeQke eje JeJeneefjle yeepe oj [sefjJesefJme ceW Heee yeepe oj mJewHe,
efJeosMeer cege yeepe-oj mJesHe leLee HeejJe[& js SieerceWdme Meeefceue nQ.
yeQke eje JeJenej ceW ueees peeves Jeeues cege [sefjJesefJme ceW Dee@HMeve leLee
cege mJesHme nQ.
3.10 Derivatives

The Bank presently deals in interest rate and currency
derivatives. The interest rate derivatives dealt with
by the Bank are Rupee Interest Rate Swaps, Foreign
Currency Interest Rate Swaps and forward rate
agreements. Currency Derivatives dealt with by the
Bank are Options and Currency swaps.
Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DeeOeej Hej, [sefjJesefJme kee
cetueebkeve efvecveevegmeej efkeee peelee nw :
JeJemLee yeeeJe/iewj JeJemLee yeeeJe (ceekex cesefkebie) mebJeJenej

Deueie-Deueie efjkee[& efkees peeles nQ. JeJemLee yeeeJe [sefjJesefJme Gheee
DeeOeej Hej uesKeebefkele efkees peeles nQ. ^sef[bie [sefjJesefJe HeesefpeMevme
ceeke&d[ t ceekex (SceerSce) nQ leLee efkemeer Yeer Hekeej keer neefve, eefo
keesF& nes ueeYe-neefve Keeles ceW ope& keer peeleer nw. ueeYe, eefo keesF& nes,
kees ope& veneR efkeee peelee. yeepe oj mJewHe mes mebyebefOele Deee leLee
3.6 In respect of investments at overseas branches, RBI

guidelines or those of the host countries, whichever are
more stringent are followed. In case of those branches
situated in countries where no guidelines are specified,
the guidelines of the RBI are followed.
3.7 The transfer of a security between these categories
is accounted for at the acquisition cost / book value /
market value on the date of transfer, whichever is the
least, and the depreciation, if any, on such transfer is
fully provided for.
3.8 In respect of non-performing securities, income is not
recognised, and provision is made for depreciation in
the value of such securities as per RBI guidelines.
3.9 REPO / Reverse REPO

The Bank has adopted the Uniform Accounting

Procedure prescribed by the RBI for accounting of
market Repo and Reverse Repo transactions [other
than the Liquidity Adjustment Facility (LAF) with the
RBI]. Repo and Reverse Repo Transactions are
treated as Collaterised Borrowing / Lending Operations
with an agreement to Repurchase on the agreed terms.
Securities sold under Repo are continued to be shown
under investments and Securities purchased under
Reverse Repo are not included in investments. Costs
and revenues are accounted for as interest expenditure
/ income, as the case may be.
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.
Based on RBI guidelines, Derivatives are valued as

under:
The hedge/ non-hedge(market making) transactions

are recorded separately. Derivative contracts
designated as hedges are not marked to market unless
their underlying asset is marked to market. Trading
derivative positions are marked-to-market (MTM) and
the resulting losses, if any, are recognized in the Profit
and Loss Account. Profit, if any, is ignored. Income
and Expenditure relating to interest rate swaps are
225
2013-14
Jee mecePeewlee efleefLe kees ope& neslee nw. ^sef[bie mJewHme keer meceeefHle
Hej ueeYe/neefve meceeefHle efleefLe Hej Deee/Jee kes He ceW ope& keer
peeleer nw.
cetueebkeve kes efueS, kegue mJewhe kes JeemleefJeke cetue keer ieCevee legueveHe$e keer efleefLe kees mJewHe kejejeW kes keejesyeej meceeefHle Hej HeeHe ee
ose jeefMe kes DeeOeej hej keer peeleer nw, mebyebefOele neefveeeW, eefo neW,
kes efueS HetCe&le: HeeJeOeeve efkeee ieee nw, peyeefke ueeYeeW kees es[ efoee
ieee nw.
legueve he$e keer efleefLe kees Hes[eF& eje DeefOemetefele efJeefvecee oj kes yebo
YeeJe hej efJeosMeer cege ceW [sefjJesefJe mebefJeoeDeeW kees Deekeefmceke oseleeDeeW
kes Devle&iele Jeieeake=le efkeee peelee nw.
4. Deefiece

4.1 Yeejle ceW DeefieceeW kees ceeveke, DeJeceeveke, mebefoiOe ee neefve DeeefmleeeW
kes He ceW Jeieeake=le efkeee peelee nw leLee Fmekes efueS HeeJeOeeve Yeejleere
efj]peJe& yeQke kes efJeJeskehetCe& ceeveob[eW kes Devegmeej efkeee peelee nw. efJeosMeer
MeeKeeDeeW eje efoS ieS DeefieceeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes
efveoxMeeW kes Devegmeej DeLeJee Gme osMe, efpemeceW Deefiece efoS ieS nQ, ceW
efJeeceeve ceeveob[eW ceW mes pees Yeer ke[s ceeveob[ nebs, kes DevegHe Jeieeake=le
efkeee peelee nw.
4.2 Deefiece, efJeefveefo& $e+CeeW Hej neefve kes HeeJeOeeveeW, Geble yeepe, Jeeoemle
efJeefJeOe pecee SJeb eehle oeJee jeefMe kee efveJeue nw.
4.3 Hegveefve&Oeeefjle/Hegveie&ef"le KeeleeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes efoMee
efveoxMeeW kes Devegmeej hegveie&ef"le DeefeceeW kes Gefele cetue ceW keceer kes efueS
eeJeOeeve efJeeceeve cetue MeleeX hej Deekeueve kejles ngS efkeee peelee nw.
4.4 Deeefmle Hegveie&"ve kebHeveer (SDeejmeer) /Heelf eYetelf ekejCe (efmekeeesejf eFpesMeve)
kebHeveer (Smemeer) kees yeseer ieF& efJeeere DeeefmleeeW kes ceeceues ceW, yeQke
Yeejleere efjp] eJe& yeQke kes efveoxMeeW kee heeueve kejles ngS Jele&ceeve ceW eefo
efyeeer Meg yener cetue mes kece cetue Hej keer ieF& nes (DeLee&le yener cetue ceW
mes eeJeOeeve Iee kej) lees neefve (keceer) kees oes Je<eeX keer DeJeefOe ceW ueeYe
neefve Keeles ceW veeces efkeee peelee nw. eefo efyeeer cetue yener cetue mes peeoe
nw lees Deefleefjkele HeeJeOeeve jeefMe kees jeefMe eeefhle Je<e& ceW ueeYe neefve Keeles
ceW efjJeme& efkeee peelee nw.
5. Deeue Deeefmleeeb

5.1 Heefjmej Je Deve Deeue Deeefmleeeb Hegvecet&ueebefkele HeefjmejeW kees es[kej,

meeceevele: HejcHejeiele cetue Hej ueer ieeer nQ. Hegvecet&ueebkeve Hej ngF&
cetueJe=ef, eefo keesF& nes, kees Hetbpeeriele Heejef#ele efveefOe ceW pecee efkeee
ieee nw. leLee Fme Hej cetueeme kees FmeceW mes Ieeee peelee nw.
5.2 HeefjmejeW ceW Yetefce SJeb efvecee&CeeOeerve HeefjmejeW kees Meeefceue efkeee ieee nw.
6. Heejef#ele efveefOeeeb SJeb DeefOeMes<e

jepemJe SJeb Deve Heejef#ele efveefOeeeW ceW mecye osMeeW kes Heeefuele mLeeveere keevetveeW
kes Devegmeej efJeosMeer MeeKeeDeeW eje efveefce&le meebefJeefOeke Heejef#ele efveefOeeeW kees
Meeefceue efkeee ieee nw.
7. jepemJe kee efveOee&jCe

7.1 Deee kees GHeee DeeOeej Hej peye leke efke DeveLee GefuueefKele ve nes, uesKeebekf ele
efkeee ieee nw. efJeosMeer keeee&ueeeW kes ceeceues ceW Deee / Jee keer ieCevee Gme
osMe kes keevetve kes Devegmeej keer ieF& nw, peneb Hej efJeosMeer keeee&uee efmLele nw.
7.2 mejkeejer keejesyeej, ieejbefeeW, meeKe he$eeW, efJeefvecee, oueeueer Deeefo hej
keceerMeve, Deefece efyeueeW hej yeepe leLee kej efjheb[ hej Deefpe&le yeepe
kees es[kej Meguke, keceerMeve kes ceeOece mes Deee kees Jemetueer DeeOeej hej
226
recognized on the settlement date. Gains/ losses on

termination of the trading swaps are recorded on the
termination date as income/ expenditure.

For the purpose of valuation, the fair value of the total
swap is computed on the basis of the amount that
would be receivable or payable on termination of the
transactions of the swap agreements as on the Balance
Sheet date. Losses arising there from, if any, are fully
provided for while the profits, if any, are ignored.

Contingent Liabilities on account of derivative contracts
denominated in foreign currencies are reported at
closing rates of exchange notified by FEDAI at the
Balance Sheet date.
4 ADVANCES
4.1 Advances in India are classified as Standard, Substandard, Doubtful or Loss assets and provision for
advances are made as per the Prudential Norms of
the RBI. In respect of Advances made in overseas
branches, Advances are classified in accordance
with Prudential Norms prescribed by the RBI or local
laws of the host country in which advances are made,
whichever is more stringent.
4.2 Advances are net of specific loan loss provisions,
interest suspense, amount received and held in suitfiled Sundry Deposits and Claims Received.
4.3 In respect of Rescheduled / Restructured accounts,
Provision for dimunition in fair value of restructured
advances is measured in net present value terms as
per RBI guidelines.
4.4 In case of financial assets sold to Asset Reconstruction
Company (ARC)/ Securitization Company (SC), the
bank is following the guidelines issued by Reserve
Bank of India. At present, the guideline followed by the
Bank is that if the sale is at a price below the net book
value (NBV), (i.e. Book value less provisions held) the
shortfall is debited to the profit and loss account spread
over a period of two years. If the sale value is higher
than the NBV, excess provision is reversed to profit &
loss account in the year the amounts are received.
5 FIXED ASSETS
5.1 Premises and other Fixed Assets are stated at
historical cost except revalued premises which are
stated at revalued amount. The appreciation on
revaluation is credited to Capital Reserve and the
depreciation provided thereon is deducted therefrom.
5.2 Premises include land and building under construction.
6 RESERVES AND SURPLUS

Revenue and other Reserves include Statutory Reserves
created by foreign branches as per applicable local laws
of the respective countries.
7 REVENUE RECOGNITION
7.1 Income (other than item referred in Paragraph 7.2)/
expenditure is generally recognised on accrual basis. In
case of foreign offices, income/ expenditure is recognised
as per the local laws of the country in which the respective
foreign office is located.
7.2 Income by way of Fees, Commission other than on
Government business, Commission on Guarantees, Letter
of Credits, Exchange, Brokerage and Interest on Advance

Bills are accounted for on realisation basis. Dividend on
shares in Subsidiaries, joint ventures and associates is
accounted on realisation basis.
7.3 In view of uncertainty of collection of income in cases
of Non-performing Assets/Investments, such income
is accounted for only on realisation in terms of the RBI
guidelines.
7.4 Lease payments including cost escalation for assets
taken on operating lease are recognised in the Profit
and Loss Account over the lease term in accordance
with the AS 19 (Leases) issued by ICAI.
efnmeeye ceW efueee peelee nw. Deveg<ebefieeeW, mebegkele GHeeceeW leLee meneesieer
kebheefveeeW kes MesejeW Hej ef[efJe[W[ JeemleefJeke HeeefHle kes DeeOeej Hej efnmeeye
ceW efueS peeles nQ.
7.3 iewj efve<Heeefole DeeefmleeeW / eqveJesMeeW hej Deee kes mebien keer Deefveefelelee
keer ef< mes, Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DevegHe Ssmeer
Deee efmeHe& Jemetue nesves Hej ner uesKeebefkele nesleer nw.
7.4 Yeejleere meveoer uesKeekeej mebmLeeve eje peejer uesKee ceeveke 19 (hes)
kes Devegmeej ueerpe Mele& hej ueerpe YegieleeveeW kees, efpemeceW heefjeeueve ueerpe
hej ueer ieF& DeeefmleeeW keer ueeiele Je=ef Meeefceue nw, ueeYe/neefve Keeles ceW
eYeeefjle efkeee peelee nw.
8. kece&eeefjeeW kees ueeYe

8.1 YeefJe<e efveefOe

yeQke Dee@He ye[ewoe HeerSHe efveeceeW kes Devegmeej YeefJe<e efveefOe DebMeoeve
eespevee Ske meebefJeefOeke oeefelJe nw Deewj yeQke hetJe& efveOee&efjle ojeW hej
efveefMele DebMeoeve kee Yegieleeve kejlee nw. yeQke kee oeefelJe efveefMele
DebMeoeve leke meerefcele nw. DebMeoeve kees ueeYe/neefve Keeles ceW eYeeefjle
efkeee peelee nw. efveefOeeeW kee eyebOeve yeQke Dee@He ye[ewoe YeefJe<e efveefOe
veeme eje efkeee peelee nw.
8.2 Gheoeve

yeQke Dee@He ye[ewoe GHeoeve efveefOe efveeceeW SJeb efJeefveeceesb kes Devegmeej Gheoeve
oselee Ske meebefJeefOeke oeefelJe nw Deewj Je<e& kes Deble ceW mebefele cetue
DeeOeej hej Fmekee eeJeOeeve efkeee peelee nw. yeQke eje Fme eespevee kes
efueS jeefMe GheueyOe kejJeeeer peeleer nw Deewj yeQke Dee@He ye[ewoe GHeoeve
efveefOe veeme Fmekee eyebOeve kejlee nw.
8.3 heWMeve

8.3.1 yeQke Dee@He ye[ewoe kece&eejer heWMeve efJeefveeceeW kes Debleie&le heWMeve
oselee yeeOelee kes he ceW JeeKee keer ieF& nw Deewj Je<e& kes Deble
ceW mebefele cetue DeeOeej hej Fmekee eeJeOeeve efkeee peelee nw.
en Gve kece&eeefjeeW kes efueS nw, efpevnesves 31.3.2010 leke yeQke
mesJee enCe keer Deewj HebsMeve kee efJekeuHe efueee nw. yeQke Dee@He
ye[ewoe (kece&eejer) HesbMeve Heb[ veeme eje Fme eespevee kes efueS
jeefMe GheueyOe kejJeeeer peeleer nw.

8.3.2 efpeve kece&eeefjees ves yeQke mesJee 1.4.2010 kees ee Gmekes yeeo
enCe keer nw Gvekes efueS veF& HeWMeve eespevee HeeefjYeeef<ele DebMeoeve
DeeOeej Hej ueeiet nw. yeQke eje HetJe& efveOee&efjle efveeqele DebMeoeve
kee Yegieleeve efkeee peelee nw. yeQke kee oeefelJe Ssmes HetJe& efveOee&efjle
DebMeoeve leke ner meerefcele nw. DebMeoeve ueeYe leLee neefve Keeles ces
eYeeefjle neslee nw.
8.4 eeflehetefjle DevegheefmLeefle

mebefele eeflehetefjle DevegheefmLeefle eLee Gheeefpe&le DeJekeeMe (heerSue) Deewj
efeefkelmee DeJekeeMe (Deeege Deekeefmceke DeJekeeMe meefnle) kee mebefele
cetue kes DeeOeej hej eeJeOeeve efkeee peelee nw.
8.5 Deve kece&eejer ueeYe (efnle)

Deve kece&eejer efnle (ueeYe) eLee ger ee$ee efjeeele, efeefkelmee
ueeYe Deeefo kes efueS mebefele cetue kes DeeOeej hej eeJeOeeve efkeee peelee
nw.

efJeosMeer MeeKeeDeeW/keeee&ueeeW kes meboYe& ceW eefleefveegefe hej kece&eeefjeeW

kees es[kej Deve kece&eeefjeeW kes efueS mebyebefOele osMe ceW efJeeceeve efveeceeW
kes Devegmeej ueeYeeW kee Deekeueve efkeee peelee nw.
2013-14
EMPLOYEE BENEFITS
8.1 PROVIDENT FUND

Provident fund is a statutory obligation as per Bank of
Baroda PF Rules as the Bank pays fixed contribution
at pre-determined rates.The obligation of the Bank is
limited to such fixed contribution. The contributions
are charged to Profit and Loss Account. The fund is
managed by Bank of Baroda Provident Fund Trust.
8.2 GRATUITY
Gratuity liability is a statutory obligation as per Bank
of Baroda Gratuity Fund Rules and Regulations and
is provided for on the basis of an actuarial valuation
made at the end of the financial year. The gratuity
liability is funded by the bank and is managed by Bank
of Baroda Gratuity Fund Trust.
8.3 PENSION
8.3.1 Pension liability is a defined benefit obligation
under Bank of Baroda Employees Pension
Regulations 1995 and is provided for on the
basis of actuarial valuation made at the end
of the financial year, for the employees who
have joined Bank up to 31.03.2010 and opted
for pension. The pension liability is funded by
Bank of Baroda (Employees) Pension Fund
Trust.
8.3.2 New Pension Scheme which is applicable
to employees who joined bank on or after
01.04.2010 is a defined contribution scheme,
Bank pays fixed contribution at pre determined
rate and the obligation of the Bank is limited
to such fixed contribution. The contribution is
charged to Profit and Loss Account.
8.4 COMPENSATED ABSENCES
Accumulating compensated absences such as
Privilege Leave and Sick Leave are provided for based
on actuarial valuation.
8.5 OTHER EMPLOYEE BENEFITS
Other Employee benefits such as Leave Encashment,
Leave Fare Concession and Additional Retirement
Benefit on Retirement are provided for based on
actuarial valuation.
In respect of overseas branches and offices, the
benefits in respect of employees other than those on
deputation are valued and accounted for as per laws
prevailing in the respective territories.
227
2013-14
9. cetueeme

9 DEPRECIATION
9.1 Yeejle ceW Deeue DeeefmleeeW kes efueS hegvecetu& eebekf ele DeeefmleeeW kees es[ kej
(efvecve JeefCe&le Devegso 9.3 Je 9.4 kes DeueeJee) kebheveer DeefOeefveece,
1956 keer Devegmeteer XIV ceW GefuueefKele cetueeefmele cetue heefle kes
Devegmeej eeJeOeeve efkeee peelee nw. FmeceW hegvece&tueebefkele DeeefmleeeW
keer Devegceeefvele Gheeesie DeJeefOe kes DeeOeej hej DeefOeke cetueeme kee
eeJeOeeve efkeee peelee nw.
9.1 Depreciation on Fixed Assets in India [other than

those referred in Paragraph 9.3 and 9.4] is provided
on the written down value method in accordance with
Schedule XIV to the Companies Act, 1956, except in
case of revalued assets, in respect of which higher
depreciation is provided on the basis of estimated
useful life of these revalued assets.
9.2 Yeejle mes yeenj Deeue DeeefmleeeW Hej, (veeres Devegso 9.3 ceW JeefCe&le
kees es[kej) cetueeme mLeeveere keevetveeW ee mebyebefOele osMe ceW Heeefuele
eefeee kes Devegmeej efkeee peelee nw.
9.2 Depreciation on Fixed Assets outside India [other than

those referred to in Para 9.3 below] is provided as per
local laws or prevailing practices of the respective
territories.
9.3 Yeejle Deewj Yeejle kes yeenj kebHetjeW Hej cetueeme Yeejleere efj]peJe&
yeQke kes efoMee-efveoxMeeW kes Devegmeej m^s ueeFve efJeefOe mes 33.33% keer
oj mes Heoeve efkeee ieee nw. kebHetj mee@HeJesej, pees efke ne[&Jesej
kee DeefveJeee& Debie veneR nw, kee hetCe& cetueeme Kejero Je<e& kes oewjeve ner
kej efoee peelee nw.

9.3 Depreciation on Computers and Software forming an

integral part of Computer Hardware, in and oustside
India is provided on Straight Line Method at the
rate of 33.33% p.a., as per the guidelines of RBI.
Computer software not forming part of an intergral
part of hardware is charged directly to Profit and Loss
Account.
9.4 SerSce Hej cetueeme kee eeJeOeeve m^s ueeFve Heefle mes 20% eefleJe<e&
keer oj mes efkeee peelee nw.
9.5 HeefjJe&veeW Hej cetueeme kee mebHetCe& Je<e& kes efueS HeeJeOeeve efkeee ieee
nw peyeefke efyeeer/efveHeeve kes Je<e& ceW cetueeme kee keesF& HeeJeOeeve veneR
efkeee peelee nw.
9.6 Hes Hej Oeeefjle peceerve Deewj hes hej Oeeefjle peceerve hej efkeS ieS efJekeeme
keer ueeiele Hee DeJeefOe ceW egkelee (Sceese&F&pe) keer peeleer nw.
9.4 Depreciation on ATMs is provided on Straight Line

Method at the rate of 20% p.a.
9.5 Depreciation on additions is provided for full year
and no depreciation is provided in the year of sale /
disposal.
9.6 Cost of leasehold land and leasehold improvements
are amortised over the period of lease.
10. Devepe&ke Deeefmleeeb
10 IMPAIRMENT OF ASSETS
Deeue DeeefmleeeW (Hegvece&tueebefkele DeeefmleeeW meefnle) Hej Devepe&ke neefveeeW (eefo

keesF& nes) kees, DeeefmleeeW kes Devepe&ve kes mebyebOe ceW ee&[& SkeeGvsv Dee@He]
Fbef[ee eje peejer uesKee ceeveke 28 (DeeefmleeeW kee Devepe&ve) kes Devegmeej
efkeee peelee nw leLee Fmes ueeYe neefve Keeles kees eYeeefjle efkeee peelee nw.
11. efJeosMeer cege mebJeJenej

11.1 efJeosMeer cege efJeefvecee mes mebyebefOele mebJeJenejeW kee uesKeebkeve (efJeosMeer
cege efJeefvecee ojeW kes HeefjJele&ve kee HeYeeJe) mebyebefOele Yeejleere meveoer
uesKeekeej mebmLeeve eje peejer uesKeeceeveke SSme 11 kes DevegHe efkeee
ieee nw.
11.2 uesKee ceeveke - SSme-11 kes Devegmeej yeQke kes efJeosMeer cege HeefjeeueveeW
kees efvecveefueefKele He ceW Jeieeake=le efkeee ieee nQ.

ke) Skeerke=le HeefjeeueveeW SJeb

Ke) He=Leke HeefjeeueveeW kes He ceW Jeieeake=le efkeee ieee nw. meYeer efJeosMeer
MeeKeeDeeW, Dee@HeMeesj yeQekf ebie FkeeFeeW, efJeosMeer Deveg<ebeif eeeW kees He=Leke
Heefjeeueve SJeb efJeosMeer cege ceW Iejsuet heefjeeueveeW SJeb Heelf eefveefOe
keeee&ueeeW kees Skeerke=le Heefjeeueve kes He ceW ceevee peelee nw.
11.3 Skeerke=le HeefjeeueveeW kes mebyebOe ceW DeblejCe :

(ke) mebJeJenejeW kees HeeLeefceke leewj Hej Hes[eF& eje metefele keer ieF&
meeHleeefnke Deewmele ojeW Hej efjkee[& efkeee peelee nw.

(Ke) efJeosMeer cege efJeefvecee mes mebyebeOf ele Deeefmle SJeb oseleeDeeW (Deekeefmceke
oseleeDeeW meefnle) kees Hes[eF& eje Heleske efleceener kes Deble ceW
metefele keer ieF& keueesefpebie mHee@ ojeW Hej Debleefjle efkeee peelee nw.
228
Impairment losses (if any) on Fixed Assets (including

revalued assets) are recognised in accordance with AS 28
(Impairment of Assets) issued by the ICAI and charged off
to Profit and Loss Account.
11 FOREIGN CURRENCY TRANSACTIONS:

11.1 Accounting for transactions involving foreign exchange
is done in accordance with AS 11, (The Effects of
Changes in Foreign Exchange Rates), issued by the
ICAI.
11.2 As stipulated in AS 11, the foreign currency operations
of the Bank are classified as a) Integral Operations and
b) Non Integral Operations. All Overseas Branches,
Offshore Banking Units, Overseas Subsidiaries are
treated as Non Integral Operations and domestic
operations in foreign exchange and Representative
Offices are treated as Integral Operations.
11.3 Translation in respect of Integral Operations
a The transactions are initially recorded on weekly
average rate as advised by FEDAI.
b Foreign Currency Assets and Liabilities (including
contingent liabilities) are translated at the closing
spot rates notified by FEDAI at the end of each
quarter.

(ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Deee DeLeJee Jee kes He ceW
keer ieF& nw leLee FvnW leovegmeej ueeYe neefve Keeles ceW uesKeebefkele efkeee
ieee nw. efJeosMeer cege Deeefmle oseleeDeeW mebyebOeer efkemeer Yeer Yegieleeve
DeLeJee efjJeme&ue kees efheues meHleen keer Deewmele keueesefpebie ojeW kes
DeeOeej Hej efkeee ieee nw leLee yekeeee jeefMe SJeb Gme jeefMe, efpemekes
efueS Yegieleeve efkeee ieee nw/efjJeme&ue efkeee ieee nw, kes yeere kes
Deblej kees ueeYe neefve Keeles ceW oMee&ee ieee nw.
(Ie) Jeeheej nsleg Oeeefjle yekeeee efJeosMeer cege neefp] ej SJeb Jeeeoe mebeJf eoeDeeW
kes legueve he$e keer efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej
SJeb Jeeeoe yeepeej mebefJeoe ojeW SJeb Devleefjce heefjhekeJelee mebefJeoeDeeW
kees Fvjheesues ojeW hej hegve&cetueebefkele efkeee peelee nw. Fmekes
HeuemJehe Jeeeoe cetueebkeve ueeYe DeLeJee neefve kees ueeYe-neefve
Keeles ceW Meeefceue efkeee peelee nw~
11.4 iewj meceekeefuele HeefjeeueveeW kes mebyebOe ceW DeblejCe :
(ke) DeeefmleeeW SJeb oseleeDeeW kees Hes[eF& eje Heleske efleceener kes Deble
ceW DeefOemetefele keer ieF& keueesefpebie mHee ojeW Hej Debleefjle efkeee
ieee nw.
(Ke) leguevehe$e keer efleefLe kees efJeosMeer cege neefpej SJeb Jeeeoe Deekeefmceke
oseleeDeeW kees Hes[eF& eje DeefOemetefele yebo neefpej Je Jeeeoe
ojeW SJeb Devleefjle heefjhekeJelee mebefJeoeDeeW kees Fvjheesues[ ojeW
hej Debleefjle efkeee peelee nw.
c The resulting exchange differences are recognized

as income or expenses and are accounted through
Profit and Loss Account. Any reversals / payment of
foreign currency assets and liabilities is done at the
weekly average closing rate of the preceding week
and the difference between the outstanding figure
and the amount for which reversal / payment is made,
is reflected in Profit and Loss Account.
d
uesKee ceeveke SSme 11 leLee Yeejleere efJeosMeer cege Jeeheejer mebIe

(Hes[eF&) kes efoMeeefveoxMeeW kes Devegmeej Jeeheej nsleg Oeeefjle yekeeee
efJeosMeer cege neefpej (mhee@) SJeb Jeeeoe mebefJeoeDeeW kees legueve he$e keer
efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej SJeb Jeeeoe yeepeej
mebefJeoeDeeW SJeb Devleefjce heefjhekeJelee mebJeefoDeeW kees Fvjheesues ojeW hej
hegvecet&ueebefkele efkeee peelee nw. Fmekes HeuemJehe Jeeeoe cetueebkeve
ueeYe DeLeJee neefve kees ueeYe-neefve Keeles ceW Meeefceue efkeee peelee nw.
12. Deee Hej kej

FmeceW Yeejleere meveoer uesKeekeej mebmLee (DeeF&meerSDeeF&) kes uesKeebkeve ceeveob[

22 (Deee hej kejeW kee uesKeebkeve) kes Devegmeej efveOee&efjle (mecye DeJeefOe kes
efueS uesKee Deee leLee kej eesie Deee kes yeere efYevvelee mes kejeW kes HeYeeJe kees
oMee&les ngS) Deeekej kes efueS HeeJeOeeve, DeemLeefiele kej DeLeJee esef[ Meeefceue
nQ. DeemLeefiele kej kee Deekeueve Deeceoveer SJeb Kee& keer Gve ceoeW kes mebyebOe
ceW, pees efkemeer Ske DeJeefOe ceW efveOee&efjle nesleer nw Deewj pees Ske DeLeJee DeefOeke
HejJeleea DeJeefOeeeW ceW HeleeJele&ve eesie nQ, kees Oeeve ceW jKekej efkeee peelee nw.
DeemLeefiele kej DeeefmleeeW SJeb oseleeDeeW Hej kej keer ieCevee DeefOeefveeefcele kej
ojeW Hej Gve Je<eeX keer DeHesef#ele ojeW Hej keer peeleer nw efpeve Je<eeX ceW Fvekeer HeeefHle,
Assets and Liabilities are translated at the

closing spot rates notified by FEDAI at the end
of each quarter.
Foreign Exchange Spot and Forwards contingent

liabilities outstanding as at the balance sheet
date are translated at the closing spot and
forward rates respectively notified by FEDAI
and at interpolated rates for contracts of interim
maturities.
c Income and Expense are translated at quarterly

average rate notified by FEDAI at the end of
each quarter.
d The resulting exchange differences are not
recognized as income or expense for the period
but accumulated in a separate account Foreign
Currency Translation Reserve till the disposal
of the net investment.
(Ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Gme DeJeefOe kes efueS Deee
DeLeJee Jee kes He ceW veneR keer peeleer nw leLee Fmes mecye efJeosMeer
MeeKeeDeeW ceW Meg efveJesMeeW kes efvemleejCe nesves leke Deueie mes Ske
Keeles efJeosMeer cege DeblejCe efveefOe ceW jKee peelee nw.
11.5 Jeeeoe efJeefvecee kejej
Foreign exchange spot and forward contracts

outstanding as at the balance sheet date and held
for trading, are revalued at the closing spot and
forward rates respectively notified by FEDAI and at
interpolated rates for contracts of interim maturities.
The resulting forward valuation profit or loss is
included in the Profit and Loss Account.
11.4 Translation in respect of Non Integral Operations
(ie) Deeceoveer SJeb KeeeX kees Hes[eF& eje Heleske efleceener kes Deble
ceW DeefOemetefele keer ieF& Deewmele efleceener ojeW Hej Debleefjle efkeee ieee
nw.

2013-14
11.5 Forward Exchange Contracts

In accordance with the guidelines of FEDAI and the

provisions of AS 11, Foreign exchange spot and
forward contracts outstanding as at the balance sheet
date and held for trading, are revalued at the closing
spot and forward rates respectively notified by FEDAI
maturities. The resulting forward valuation profit or
loss is included in the Profit and Loss Account.
12 TAXES ON INCOME

This comprise of provision for Income tax and

deferred tax charge or credit (reflecting the tax effects
of timing differences between accounting income
and taxable income for the period) as determined
in accordance with AS 22 (Accounting for taxes on
Income) issued by ICAI. Deferred tax is recognised
subject to consideration of prudence in respect of
items of income and expenses those arise at one
point of time and are capable of reversal in one or
more subsequent periods. Deferred tax assets and
liabilities are measured using enacted tax rates
229
2013-14
expected to apply to taxable income in the years

in which the timing differences are expected to be
reversed. The effect on deferred tax assets and
liabilities of a change in tax rates is recognised in
the income statement in the period of enactment of
the change
efjJeme&ue DeLeJee efvemleejCe keer mebYeeJevee nesleer nw. DeemLeefiele kej oseleeDeeW
SJeb DeeefmleeeW Hej kej keer ojeW ceW HeefjJele&ve kes HeYeeJe kees Gme DeJeefOe keer Deee
efJeJejCeer, efpemeceW Ssmes HeefjJele&ve kees DeefOeefveeefcele efkeee ieee nes, ceW efnmeeye
ceW efueee peelee nw.
13. Heefle Mesej Depe&ve

yeQke, DeeOeejYetle SJeb [eFuets[ Heefle FefkeJeer Mesej Depe&ve kees Yeejleere meveoer
uesKeekeej mebmLeeve eje Fme mebyebOe ceW peejer uesKee ceeveke 20 (eefle Mesej
Deee) kes Devegmeej efjHees& kejlee nw. DeeOeejYetle Heefle Mesej Depe&ve keer ieCevee
Meg Deee kees Gme DeJeefOe kes efueS yekeeee Yeeefjle Deewmele FefkeJeer MesejeW keer
mebKee mes efJeYeeefpele kej keer ieF& nw. [eFuets[ Heefle Mesej Depe&ve keer ieCevee
Meg Deee kees Gme DeJeefOe kes efueS yekeeee Yeeefjle Deewmele FefkeJeer MesejeW
SJeb Gme DeJeefOe kes oewjeve [eFuetefJe mecYeeJe FefkeJeer MesejeW keer mebKee kes
DeeOeej hej keer ieF& nw.
14. HeeJeOeeve, Deekeefmceke oseleeSb Je Deekeefmceke Deeefmleeeb

Yeejleere meveoer uesKekeej mebmLeeve eje Fme mebyebOe ceW peejer uesKee ceeveke 29
(Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes efueS HeeJeOeeve) kes Devegmeej
yeQke eje Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes efueS HeeJeOeeve
kesJeue efJeiele ceW ngF& efkemeer Ievee kes efueS GlHevve ngS Jele&ceeve oeefelJe kes efueS
efkeee peelee nw. en mebYeJe nw efke Fme oeefelJe kes efvemleejCe kes efueS DeeefLe&ke
mebmeeOeveeW keer DeeJeMekelee nes Deewj leye oeefelJe efveJe&nve nsleg Ssmeer jeefMe kee
efJeMJemeveere Deekeueve efkeee pee mekelee nw.
DeeefLe&ke efnle egkele mebmeeOeveeW kes yeefnie&ceve keer mebYeeJevee kes ueieYeie ve nesves
keer efmLeefle leke Deekeeqmceke oseleeDeeW kees eke efkeee peelee nw.
Deekeefmceke DeeefmleeeW kees efJeeere efJeJeefjCeeeW ceW eYeeefjle veneR efkeee peelee nw,
keeeWefke Fmekee heefjCeece Ssmeer Deee kes efveOee&jCe kes he ceW efvekeue mekelee nw
efpemekeer keYeer Jemetueer mebYeJe ve nes.
230
13 EARNINGS PER SHARE

The bank reports basic and diluted earnings per equity
share in accordance with the AS 20 (Earnings Per
Share) issued by the ICAI. Basic earnings per equity
share has been computed by dividing net income by the
weighted average number of equity shares outstanding
for the period. Diluted earnings per equity share has been
computed using the weighted average number of equity
shares and dilutive potential equity shares outstanding
during the period.
14 PROVISIONS, CONTINGENT LIABILITIES AND
CONTINGENT ASSETS

As per AS 29 (Provisions, Contingent Liabilities and

Contingent Assets) issued by the ICAI, the Bank
recognises provisions 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.
Contingent liability is disclosed unless the possibility of

an outflow of resouces embodying economic benefit is
remote.
Contingent Assets are not recognised in the financial

statements since this may result in the recognition of
income that may never be realised.
2013-14
Devegmeteer-18 uesKeeW hej efhheefCeeeb
Schedule -18 Notes on accounts

A.
ke.
Yeejleere efj]peJe& yeQke keer Dehes#eeDeeW kes Devegmeej ekeerkejCe
ke-1. hetbpeer
efJeJejCe
i)
ii)
iii)
iv)
v)
vi)
kee@ceve FefkeJeer efej 1 hetbpeer Devegheele (%)

efej 1 hetbpeer Devegheele (%)
efej 2 hetbpeer Devegheele (%)
kegue hetbpeer Devegheele (meerDeejSDeej) (%)
yeQke ceW Yeejle mejkeej keer MesejOeeefjlee
kee eefleMele
Deefpe&le FefkeJeer hetbpeer keer jeefMe
vii) Deefpe&le Deefleefje efej 2 hetbpeer keer jeefMe
efpemecesW mes
heerSvemeerheerSme
heer[erDeeF&
viii) Deefpe&le Deefleefje efej I hetbpeer keer jeefMe
efpemecesW mes
$e+Ce hetbpeer efueKele
DeefOeceeve Mesej hetbpeer efueKele
A-1. Capital
efJeJejCe
( ` kejes[ ceW / ` in Crores)
Particulars
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
yeemeue II
yeemeue III
BASEL II BASEL III
yeemeue II
yeemeue III
BASEL II BASEL III
Common Equity Tier 1 Capital Ratio (%)
N.A.*
8.95%
N.A.*
N.A.**
Tier 1 Capital Ratio (%)
9.54%
9.28%
10.13%
N.A.**
Tier 2 Capital Ratio (%)
3.33%
3.00%
3.17%
N.A.**
12.87%
12.28%
13.30%
Total Capital Ratio (CRAR) (%)

Percentage of the shareholding of the
Government of India
N.A.**
56.26%
55.41 %
550.00
850.00
Amount of Additional Tier 1 capital raised,

of which
PNCPS
PDI
Amount of Additional Tier 2 capital raised,

of which
Debt Capital Instrument
Preference Share Capital Instruments
2000.00
-
Amount of Equity Capital Raised
ueeiet veneR
en Devegheele yeemeue III kes Debleie&le Dehesef#ele nw. efheues Je<e& en ueeiet
veneR Lee.
ke-2. efveJesMe
*
**
Disclosure in terms of RBI requirements
* Not Applicable
** This ratio is required under BASEL III norms, which was not
applicable during previous year.
A-2. Investments
Particulars
(1) Value of Investments

(1) efveJesMeeW kee cetue
(i) Gross Value of Investments
(i) efveJesMeeW kee mekeue cetue
(a) In India
(ke) Yeejle ceW
(b) Outside India,
(Ke) Yeejle mes yeenj
(ii) Provisions for Depreciation
(ii) cetueeme kes efueS eeJeOeeve
(a) In India
(ke) Yeejle ceW
(b) Outside India,
(iii)
Net Value of Investments
(iii) efveJesMeeW kee efveJeue cetue
(a) In India
(ke) Yeejle ceW
(b) Outside India.
(2) Movement of provisions held towards
(2) efveJesMeeW hej cetueeme kes efueS Oeeefjle
depreciation on investments
eeJeOeeveeW kee mebeueve
(i)
Opening balance
(i) eejefcYeke Mes<e
(ii) Add: Provisions made during the year
(ii) pees[W : Je<e& kes oewjeve efkeS ieS eeJeOeeve
(iii) Less: Write-off / write-back of excess
(iii) IeeSb : Je<e& kes oewjeve Deefleefje eeJeOeeveeW kee
provisions during the year
yedekejCe/hegvejebkeve
(iv) Closing balance
(iv) Debeflece Mes<e
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
1,11,424.61
1,17,537.50
5,707.63
4,775.37
769.16
777.92
250.42
141.22
1,10,655.45
1,16,759.58
5,457.21
4,634.15
919.14
703.88
363.07
314.48
262.63
99.22
1,019.58
919.14
231

2.1
2013-14
A-2.1 Repo Transactions (in face value terms)
efjhees mebJeJenej (Debefkele cetue ceW)

Particulars
efJeJejCe
Je<e& kes oewjeve

Je<e& kes oewjeve Je<e& kes oewjeve owefveke
vetvelece yekeeee Mes<e DeefOekelece yekeeee Mes<e Deewmele yekeeee Mes<e
Minimum
Maximum Daily Average
outstanding
outstanding
outstanding
during the year during the year during the year
31 ceee& 2014 kees

yekeeee Mes<e
Outstanding as
on March 31,
2014
efjhees kes lenle yeseer ieF& eefleYetefleeeb Securities sold under repo
(i) mejkeejer eefleYetefleeeb
i. Government securities
270.00
2,122.96
936.11
1,913.60
(ii) keeheexjs $e+Ce eefleYetefleeeb
ii. Corporate debt securities
599.15
910.71
0.00
910.71
efjJeme& efjhees kes lenle Kejeroer ieF&

eefleYetefleeeb
Securities purchased under

reverse repo
(i) mejkeejer eefleYetefleeeb
i. Government securities
181.00
27,134.18
2,951.36
0.00
(ii) keeheexjs $e+Ce eefleYetefleeeb
ii. Corporate debt securities
0.00
0.00
0.00
0.00
A-2.2 Non-SLR Investment Portfolio

i)
Issuer composition of Non SLR investments
ke-2.2 iewj Sme Sue Deej efveJesMe hees&Heesefueees

i)
iewj Sme Sue Deej efveJesMeeW kes peejerkelee& Ieke
meb.
No.
peejerkelee&
Issuer
(1)
(2)
(i)
PSUs
(ii)
FIs
heerSmeet
SHeDeeF&
(iii) yeQke
(iv) efvepeer efveiece
(v) Deveg<ebefieeeb /
mebegkele Gece
(vi) Deve
(vii) cetueeme nsleg
Oeeefjle eeJeOeeve
kegue
ii)
jeefMe
Amount
efvepeer huesmeceW
keer meercee
Extent of
Private
Placement
efveJesMe es[ kes veeres

keer eefleYetefleeeW
keer meercee
Devejss[
eefleYetefleeeW
keer meercee
Extent of Below
Investment
Grade Securities
Extent of
Unrated
Securities
Demeteerye
eefleYetefleeeW
keer meercee
Extent of
Unlisted
Securities
(7)
(3)
(4)
(5)
(6)
3,778.51
1,849.45
1,334.30
363.39
382.65
868.73
652.06
235.72
0.00
169.58
Banks
7,151.17
785.89
225.14
45.69
48.15
Private Corporate
1,963.21
968.45
628.06
209.28
27.25
Subsidiaries/ Joint
Ventures
1,604.12
1,604.12
0.00
0.00
0.00
Others
6,176.85
1,290.89
0.00
59.92
59.92
Provision held towards -1,019.58

depreciation
0.00
0.00
0.00
0.00
7,150.86
2,423.22
673.98
687.55
Total
20,523.01
ii)
Devepe&ke iewj-SmeSueDeej efveJesMe
Non-performing Non-SLR investments
efJeJejCe
Particulars
eejbefYeke Mes<e
eeuet Je<e&
efheuee Je<e&
Current year
Previous year
Opening balance
405.25
339.55
134.73
93.39
Ghejese DeJeefOe kes oewjeve keewefleeeb
Reductions during the year
77.27
27.69
Debeflece Mes<e
Closing balance
462.71
405.25
kegue Oeeefjle eeJeOeeve
Total provisions held
353.47
303.57
232
A-2.3 Sales and transfer of Investment held under Held to

Maturity (HTM) Category in excess of 5% of the Book
value of the investment held in HTM category at the
beginning of the year
ke-2.3. Je<e& kes heejbYe ceW SeerSce esCeer ceW jKes ieS efveJesMeeW kes yener-cetue kes
5% mes Deefleefje kes SeerSce ceW jKes ieS efveJesMeeW keer efyeeer
efveJesMe kee DeejbefYeke Mes<e (SeerSce)

01.04.2013
Je<e& kes oewjeve efyeeer/

DeblejCe
Opening Bal. of investment

(HTM) 01.04.13
ke-2.4.
HeefjJe&ve
efveJesMeeW kee meceeefHle

Mes<e 31.03.2014
Addition
efveJesMe (SeerSce) esCeer kee yee]peej

cetue 31.03.2014
Closing Bal. of
Investment
(HTM) 31.03.14
Sale/ transfer during

the year
2013-14
Market value of investment

(HTM) category 31.03.14
-
A-2.4 SLR Investments
SmeSueDeej efveJesMe

Particulars
efJeJejCe
eeuet Je<e&
yener cetue
ceekex cetue
efheuee Je<e&
yener cetue
ceekex cetue
Current Year
Previous Year
Book Value Market Value Book Value Market Value
mejkeejer eefleYetefleeeb
SmeSueDeej (meerpeer, Smepeer Je eryeer)*
Govt. sec SLR (CG,SG,&TB) *
Devegceesefole eefleYetefleeeb SmeSueDeej
Approved sec-SLR
95,588.38
95,588.38 1,02,076.7
1.28
1.28
1,02,076.7
133.23
133.23
*FmeceW meermeerDeeF&Sue/ScemeerSkeme/etSmeF&/SveSmeF& kes Heeme jKeer SmeSueDeej

eefleYetefleeeb Meeefceue nQ.
* incl. SLR Securities kept with CCIL/ MCX / USE / NSE
ke-2.5. SmepeerSue HeeceeX kes ueeweS peeves Hej ueieeS ieS ob[ kee ekeerkejCe
A-2.5 Disclosure on imposition of penalty for bouncing

of SGL forms
meceeHle Je<e&
SmepeerSue He@ece& ueeweves keer leejerKe
jeefMe
efHHeCeer
Amount
Year ended
Date of bouncing SGL form
2014
2013
A-2.6 Derivatives
ke-2.6 [sjerJesefJme
ke-2.6.1 HeejJe[& oj mecePeewles / yeepe oj mJewhe
efJeJejCe
Remarks
A-2.6.1 Forward Rate Agreement / Interest Rate Swap

Particulars
eeuet Je<e&
efheuee Je<e&
Current year
Previous year
38,816.59
21,009.52
i)
mJewhe mecePeewles keer keefuhele cetue jeefMe
The notional principal of swap agreements
ii)
mecePeewles kes lenle Deheveer eefleyeleeDeeW kees keeGbj

heeea eje hetje ve kejves hej nesves Jeeueer neefve
Losses which would be incurred if counterparties

failed to fulfill their obligations under the
agreements
737.14
258.52
iii)
mJewhe ceW Deeves hej yeQke kes efueS Dehesef#ele keesuewjue
Collateral required by the bank upon entering

into swaps
iv) mJewhe mes GlheVe $e+Ce peesefKece kee mebkeWCe
Concentration of credit risk arising from the swaps
1,101.16
979.59
v)
The fair value of the swap book
503.04
692.50
mJewhe yener kee Gefele cetue
233
2013-14
A-2.6.2 Exchange Traded Interest Rate Derivatives

ke-2.6.2 SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme :
meb. e.
Sr. No.
(i)
efJeJejCe
Particulars
jeefMe
Amount
Je<e& kes oewjeve SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme keer Notional principal amount of exchange
traded interest rate derivatives undertaken
veesMeveue eEheefmeheue jeefMe (efueKeleJeej)
during the year (instrument-wise)
A. yeepe oj Heetej (DeeF&DeejSHe)
2,176.64
A. Interest Rate Future (IRF)
(ii)
(iii)
(iv)
Je<e& kes oewjeve SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme

keer 31 ceee&, 2014 kes Devegmeej (efueKeleJeej) yekeeee
veesMeveue eEheefmeheue jeefMe
Notional principal amount of exchange

traded interest rate derivatives outstanding
as on 31st March 2014
(instrument-wise)
veesMeveue efebefmeheue jeefMe Je<e& kes oewjeve SkemeWpe ^s[s[

yeepe oj [sjerJesefJme keer yekeeee veesMeveue efebefmeheue
jeefMe ``DeleefOeke eYeeJeer'' veneR (efueKeleJeej)
Notional principal amount of exchange

traded interest rate derivatives outstanding
and not "highly effective" (instrument-wise)
SkemeeWpe ^s[s[ yeepe oj keer ceeke&-t-ceekex

keercele [sjerJesefJme yekeeee Deewj DeleefOeke eYeeJeer
veneR (efueKeleJeej)
Mark-to-market value of exchange traded

interest rate derivatives outstanding and not
"highly effective" (instrument-wise)
ke-2.6.3 [sjerJesefJme ceW peesefKece SkemeHeespej kee HekeerkejCe
A-2.6.3 Disclosures on risk exposure in derivatives
(i) iegCeelceke HekeerkejCe
(i) Qualitative Disclosure
yeQke keer ^spejer veerefle ceW [sjerJesefJme uesve osve kes keeeeX kes efueS meYeer Hekeej keer
efJeeere [sjerJesefJme efueKeleeW kes Hekeej, efJemleej SJeb GHeeesie, Devegceesove Heefeee leLee
DeesHeve HeespeerMeve efueefce, meHe uee@me efueefce leLee keeGvj Heeea SkemeHeespej efueefce
pewmeer meerceeSb efveOee&efjle keer ieF& nQ.
The Treasury Policy of the bank lays down the types of financial
derivative instruments, scope of usages, approval procedures
and the limits like open position limits, stop loss limits and
counter party exposure limits for undertaking derivative
transactions.
yeQke Deheves legueve he$e ceW oMee&S ieS DeLeJee oMee&S ve ieS peesefKeceeW keer nseEpeie kes
efueS leLee yee]peej DeeOeej leweej kejves kes efueS efJeeere [sjerJesefJme uesve osveeW kee
Gheeesie kejlee nw, cetuele: es Glheeo, peesefKece kes heefle yeeeJe JeJemLee, ueeiele kece
kejves leLee Ssmes uesve osveeW ceW heefleHeue ye{eves kes SJeb heeshejeFjer ^seE[ie kes efueS
Gheeesie ceW ueeS peeles nQ.
The Bank uses financial derivative transactions for hedging,

its on or off balance sheet exposures as well as for market
making. Basically, these products are used for hedging risk,
reducing cost and increasing the yield in such transactions and
for proprietary trading.
yeQke ceW efpeve peesefKeceeW keer mecYeeJevee yeveer jnleer nw, Jes nQ : $e+Ce peesefKece, yeepeej
peesefKece, osMeere peesefKece Deewj Heefjeeueve peesefKece. yeQke keer cetue peesefKece,
peesefKece HeyebOeve veerefleeeb (yeQke kes efveosMeke ceb[ue eje Devegceesefole) nQ, pees
SceerSce, (JeerSDeej) leLee HeerJeer01 kes ceeOece mes efveeefcele DeeOeej hej Jeeheej
yener ceW uesve osveeW keer efJeeere peesefKeceeW kes Deekeueve leLee Gefele peesefKece meerceeSb
lee kejves kes efueS leweej keer ieF& nQ. Fvekees yeQke kes peesefKece HeyebOeve efJeYeeie eje
mecee-mecee Hej efJeMJemeveere SJeb Deeleve HeyebOeve metevee HeCeeefueeeW eje cee@veerj
efkeee peelee nw leLee Fme yeejs ceW yeQke kes DeOe#e SJeb HeyebOe efveosMeke keer DeOe#elee
Jeeueer efveosMekeeW keer peesefKece HeyebOeve meefceefle kees DeJeiele kejeee peelee nw.
uesve osveeW keer keeGbj Heeef&eeb, yeQke leLee keeHeexjs Heefle<"eve nQ. Devegceesefole
SkemeHeespej meerceeDeeW kes Debleie&le JeJenej efkeS peeles nQ. [sjerJesefJme GlHeeoeW
Hej $e+Ce peesefKece Deekeefuele kejves kes efueS yeQke ves Yeejleere efj]peJe& yeQke eje
efveOee&efjle ceewpetoe SkemeHeespej Heefle kees DeHeveeee nw, efpemekes Devegmeej yeQke
kegue HeeflemLeeHeve ueeiele kee eesie, (meYeer mebefJeoeDeeW kees mekeejelceke cetue
meefnle ceeke&-g-ceekex eje HeeHle kejves DeLee&led peye yeQke kees keeGbj Heeea
234
The types of risk to which the bank is exposed to are credit risk,
market risk, country risk and operational risk, The Bank has
risk management policies (approved by Board of Directors of
the Bank), which is designed to measure the financial risks for
transactions in the trading book on a regular basis, by way of
MTM, VaR and PV01, and to set appropriate risk limits. These
are monitored by means of reliable and up to date Management
Information Systems by the Risk Management Department
of the Bank from time to time who, in turn, appraises the risk
profile to the Risk management Committee of Directors, which is
presided over by the Banks Chairman and Managing Director.
The counter parties to the transactions are banks and corporate
entities. The deals are done under approved exposure limits.
The bank has adopted the current exposure method prescribed
by Reserve Bank of India for measuring Credit Exposure on
Derivative products as per which the bank sums the total
replacement cost (obtained by mark to market of all its contracts
with positive value i.e. when the bank has to receive money from
the counter party) and an amount for potential future changes

mes Oeve HeeHle kejvee nw) leLee $e+Ce peesefKece ceW YeefJe<e ceW nesves Jeeues mebYeeJe
HeefjJele&veeW keer jeefMe, efpemekeer ieCevee mebefJeoe keer kegue keefuHele cetue jeefMe Mes<e
HeefjHekeJelee kes Devegmeej mebyebefOele $e+Ce heeblejCe IekeeW kes meeLe iegCee kejkes
Heefjkeefuele keer peeleer nw, efvecveevegmeej nw :keefuHele cetue jeefMe Hej ueeiet efkeee peeves Jeeuee HeeblejCe Ieke
DeJeefMe heefjhekeJelee
Residual Maturity
Ske Je<e& mes kece
2013-14
in credit exposure calculated on the basis of the total notional

principal amount of the contract multiplied by the relevant
credit conversion factors according to the residual maturity as
detailed herein underConversion factor to be applied on notional principal amount
yeepe oj mebefJeoe
efJeefvecee oj mebefJeoe
Interest Rate Contract
Exchange Rate Contract
Less than one year
0.50%
2.00%
Ske Je<e& Deewj DeefOeke
One year and above
1.00%
10.00%
heebe Je<e& mes DeefOeke
Over five years
3.00%
15.00%
nspe leLee iewj-nspe (ceekex cesefkebie) uesve osveeW kees Deueie mes ope& efkeee peelee nw.
nwefpebie [sefjJesefJme Gheee DeeOeej Hej efnmeeye ceW efueS peeles nQ. ^sef[bie [sefjJesefJme
HeesefpeMeve (SceerSce) kees ceeke& keer peeleer nw Deewj HeefjCeecemJeHe ueeYe-neefve Keeles
ceW eefo keesF& neefve nes, efnmeeye ceW ueer peeleer nw. ueeYe, eefo keesF& nes, veneR ceevee
peelee nw. yeepe oj mJewHme mes mebyebefOele yeepe Deewj Jee efveHeeve keer leejerKe Hej
efnmeeye ceW efueS peeles nQ. ^sef[bie mJewHe kes meceeHle nesves Hej ueeYe /neefve meceeefHle keer
leejerKe Hej Deee /Jee kes he ceW ope& efkeS peeles nQ.
(ii) cee$eelceke HekeerkejCe
meb. e. efJeJejCe
The hedge/non-hedge (market making) transactions are

recorded separately. Hedging derivatives are accounted for on
an accrual basis. Trading derivative positions are marked-tomarket (MTM) and the resulting losses, if any, are recognized
in the Profit and Loss Account. Profit, if any is not recognized.
Income and Expenditure relating to interest rate swaps are
recognized on the settlement date. Gains/losses on termination
of the trading swaps are recorded on the termination date as
income/expenditure.
(ii) Quantitative Disclosures
Particulars
Sr. No.
(i)
kejWmeer [sefjJesefJme
yeepe oj [sefjJesefJme
1194.15
38315.72
Currency
Derivatives
Interest rate
Derivatives
[sefjJesefJme (keefuhele cetue jeefMe)
Derivatives (Notional Principal Amount)
ke) nweEpeie kes efueS
a) For hedging
320.76
20012.06
Ke) ^seE[ie kes efueS
b) For trading
873.39
18303.66
ceeke&[ t ceekex heesefpeMeve (1)
Marked to Market Positions
4.96
498.08
ke) Deeefmleeeb (+)
a)
Asset (+)
19.92
638.48
Ke) oseleeSb (-)
b)
Liability (-)
-14.96
-140.40
(iii)
$e+Ce peesefKece (2)
Credit Exposure
57.25
1076.11
(iv)
yeepe oj ceW Ske eefleMele nesves Jeeues heefjJele&ve

kee mebYeeefJele eYeeJe (100*heerJeer 01)
Likely impact of one percentage change

in interest rate (100*PV01)
-0.50
405.64
ke) nweEpeie [sefjJesefJme hej
a)
On hedging derivatives
-0.37
385.81
Ke) ^seE[ie [sefjJesefJme hej
b)
On trading derivatives
-0.13
19.83
Je<e& kes oewjeve heeS ieS

vetvelece leLee DeefOekelece 100*heerJeer01
Maximum and Minimum of

100*PV01 observed during the year
ke) nweEpeie hej
a) On hedging
1.0947 & -0.990
400.22 & -17.047
Ke) ^seE[ie hej
b) On trading
35.843 & 6.74
24.85 & -17.29
(ii)
(v)
ke-2.6.4 $e+Ce etke mJewh e (meer[ erS me)

meer[erSme hej Yeejleere efj]peJe& yeQke kes efoveebke 23.05.2011 kes efoMee-efveoxMeeW
kes Devegmeej yeQkeeW kees Deheveer meer[erSme mebefJeoeDees kes cetueebkeve nsleg efHec[e eje
hekeeefMele owefveke meer[erSme keJe& DeLeJee Fmemes DeefOeke mebjef#ele cetueebkeve nesves hej
efkemeer Deve mJeeefcelJe cee@[ue kee Gheeesie kejvee DeeJeMeke nw. Deheveer meer[erSme
eqmLeefleeeW kes cetueebkeve kes efueS nceeje yeQke efHec[e keJe& kee ner Gheeesie kejlee
nw, meer[erSme cetueebkeve kes efueS yeQke efkemeer Deebleefjke mJeeefcelJe cee@[ue kee Gheeesie
veneR kejlee nw.
A.2.6.4 Credit Default Swaps (CDS)
As per RBI guidelines on CDS dated 23rd May, 2011 the Banks
are required to value their CDS contracts by using daily CDS
curve published by FIMMDA or any other proprietary model
if it results in a more conservative valuation. Our Bank uses
the FIMMDA curve for valuing our CDS positions, Bank does
not use any internal proprietary model for CDS valuation.
235

ke-2.7
2013-14
A-2.7
Deeefmle iegCeJeee
Asset Quality
A-2.7.1 Non Performing Assets
ke-2.7.1 iewj efve<heeoke Deeefmleeeb

ke.
iewj efve<heeoke DeeefmleeeW kee mebeueve
A. Movement of NPAs
efJeJejCe
Particulars
1 Dehewue, 2013 kees mekeue SveheerS

(heejbefYeke Mes<e)
eeuet Je<e&
Previous Year
Gross NPAs as on 1st April 2013

(Opening Balance)
7,982.58
4,464.75
Je<e& kes oewjeve peg[s (veS SveheerS)
Additions (Fresh NPAs) during the year
6,833.93
6,843.80
Ghe pees[ (ke)
Sub-Total (A)
14,816.51
11,308.55
IeeSb :
Less : 684.72
340.93
1,261.81
625.57
994.08
2,359.47
2,940.61
3,325.97
11,875.90
7,982.58
(i)
Up-gradations
(i)
Dehees[sMeve
(ii)
Jemetefueeeb (Dehees[ efkeS ieS KeeleeW (ii) Recoveries (excluding recoveries

made from upgraded accounts)
mes ngF& JemetefueeeW kees es[kej)
(iii)
yes Keeles [eueer ieF& jeefMe
(iii) Write-offs
Ghe pees[ (Ke)
Sub-total (B)
31 ceee&, 2014 kes mekeue SveheerS Gross NPAs as on 31st March 2014 (closing
balance) (A-B)
(Debeflece Mes<e) (ke-Ke)
Ke)
B)
iewj efve<heeoke Deeefmleeeb
Non-Performing Assets
efJeJejCe
Particulars
(i)
Meg DeefeceeW ceW Meg SveheerS (%)
Net NPAs to Net Advances (%)
(ii)
SveheerS kee mebeueve (mekeue)
Movement of NPAs (Gross)
(ke)
eejbefYeke Mes<e
(a)
(Ke)
Je<e& kes oewjeve pees[s ieS
(ie)
(Ie)
(iii)
(iv)
236
efheuee Je<e&
Current Year
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
1.52
1.28
Opening balance
7,982.58
4,464.75
(b)
6,833.93
6,843.80
Je<e& kes oewjeve IeeS ieS
(c)
2,940.61
3,325.97
Debeflece Mes<e
(d)
Closing balance
11,875.90
7,982.58
Meg SveheerS kee mebeueve
Movement of Net NPAs
(ke)
eejbefYeke Mes<e
(a)
Opening balance
4,192.03
1,543.64
(Ke)
(b)
3,895.89
3,854.28
(ie)
Je<e& kes oewjeve IeeS ieS
(c)
2,053.16
1,205.89
(Ie)
Debeflece Mes<e
(d)
Closing balance
6,034.76
4,192.03
Movement of provisions for NPAs

SveheerS nsleg eeJeOeeve kee mebeueve
(ceeveke DeeefmleeeW hej eeJeOeeve kees es[kej) (excluding provisions on standard assets)
(ke)
eejbefYeke Mes<e
(a)
Opening balance
3,790.55
2,921.11
(Ke)
(b)
Provisions made during the year
2,938.04
2,989.52
(ie)
lekeveerkeer/efJeJeskemeccele DeheefueefKeleW
(c)
Technical / Prudential write offs
793.69
1854.16
(Ie)
DeheefueefKele jeefMe (Ghejese kes DeueeJee) (d) Write off (Other than above)
93.76
265.92
(e)
Debeflece Mes<e
5,841.14
3,790.55
(e)
Closing balance
(v)
ie)
efJeJejCe
Particulars
lekeveerkeer DeheefueefKeleeW kee mebeueve
(v) Movement of Technical Write offs
eeuet Je<e&
2013-14
efheuee Je<e&
Current Year
Previous Year
1 Deewue 2013 kees lekeveerkeer/efJeJeskemeccele

DeheefueefKele keer ieF& jeefMeeeW kee eejbefcYeke
Mes<e
Opening Balance of Technical /

Prudential written-off account as at
April 01st , 2013
5,205.33
3,272.91
pees[W : Je<e& kes oewjeve lekeveerkeer/efJeJeskemeccele

DeheefueefKele jeefMe
Add : Technical / Prudential write-of

during the year
1,040.25
2,308.54
Ghe eesie (S)
Sub Total (A)
6,245.58
5,581.45
IeeSb : Je<e& kes oewjeve lekeveerkeer/

efJeJeskemeccele DeheefueefKele jeefMeeeW keer Jemetueer
(yeer)
Less : Recoveries made from

previously technical / prudential
written off accounts during the year
(B)
647.00
376.12
31 ceee& 2014 kees Deefvlece Mes<e

(S-yeer)
Closing Balance as at March 31st,

2014
(A-B)
5,598.58
5,205.33
C)
#es$eJeej SveheerS
eceebke
#es$e
Sl.
No.
Sector-wise NPAs
Sector
#es$e ceW kegue DeefeceeW ceW SveheerS kee eefleMele

Percentage of NPAs to Total
Advances in that sector
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
ke=ef<e SJeb mecye ieefleefJeefOeeeb
Agriculture & allied activities
5.15
4.91
Geesie (ceeFees SJeb ueIeg, ceOece SJeb ye[s)
Industry (Micro & small, Medium and Large)
5.11
3.31
mesJeeSb
Services
4.84
5.27
Jeefeiele $e+Ce
Personal Loans
5.71
6.87
Ie)
efJeosMeer Deeefmleeeb, SveheerS leLee jepemJe
D)
Overseas Assets, NPAs and Revenue

eqJeJejCe
Particulars
kegue Deeefmleeeb
Total Assets
kegue Sve heer S

kegue jepemJe
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
2,31,551.92
1,65,731.12
Total NPAs
2,021.76
1,431.76
Total Revenue
4,980.63
4,950.58
237
238
$e+Cekelee&DeeW keer mebKee

01 Deheuw e 2013 kees hegveie&e"f le Keeles
Restructred Accounts as on No. of borrowers
April 01, 2013
yekeeee jeefMe
Amount outstanding
Gmehej heeJeOeeve
Provision thereon
Je<e& kes oewjeve veJeerve hegveie&"ve
Fresh Restructuring during No. of borrowers
the year
yekeeee jeefMe
Amount outstanding
Gmehej heeJeOeeve
Provision thereon
efJee Je<e& 2013-14 kes oewjeve hegveie&e"f le ceeveke $e+Cekelee&DeeW keer mebKee
No. of borrowers
esCeer ceW Deheie[s Ms eve
Upgradation to restructured yekeeee jeefMe
standard category during the Amount outstanding
FY 2013-14
Gmehej heeJeOeeve
Provision thereon
hegveie&e"f le ceeveke Deefiece efpememes Ge $e+Cekelee&DeeW keer mebKee
heeJeOeeveerkejCe Deewj/ee efJee Je<e& kes Deble ceW No. of borrowers
Deefleefje peeseKf ece Yeej meceeheve Deewj Deieues yekeeee jeefMe
efJee Je<e& kes heejcYe ceW hegveie&e"f le ceeveke Deefiece kes Amount outstanding
he ceW efoKeevee DeeJeMeke veneR nw.
Restructred
standard Gmehej heeJeOeeve
advances which ceased to Provision thereon
attract higher provisioning
and / or additional risk weight
at the end of the FY and
hence need not be shown
as restructured standard
advances at the beginning of
the next FY
efJee Je<e& kes oewjeve hegveie&e"f le KeeleeW kee
No. of borrowers
[eGveie[s Ms eve
Downgradation of
yekeeee jeefMe
restructured accounts during Amount outstanding
the FY
Gmehej heeJeOeeve
Provision thereon
efJee Je<e& 2013-14 kes oewjeve ye@ Keeles ceW [eues $e+Cekelee&DeeW keer mebKee
No. of borrowers
ieS hegveie&e"f le Keeles
Write off of restructured
yekeeee jeefMe
accounts during the FY
Amount outstanding
2013-14
Gmehej heeJeOeeve
Provision thereon
31 ceee& 2014 kees hegveie&e"f le Keeles
Restructured accounts as on No. of borrowers
March 31, 2014
yekeeee jeefMe
Amount outstanding
Gmehej heeJeOeeve
Provision thereon
ece
Deeeqmle JeieeakejCe Assets Classification
mebKee
S. efJeJejCe Details
No.
hegveie&"ve kes hekeej Type of Restructuring
ke-2.7.2 hegveie&ef"le KeeleeW kee efJeJejCe
1
17.04
2.93
-2
-131.47
-9.65
0
0.00
0.00
0
-67.60
3.51
0
15
2611.51
94.26
3
140.16
9.65
0
0.00
0.00
-7
-597.09
-13.98
0
18
454.26
-7.44
2
49.54
11.90
-136.64
53
6044.23
368.14
1162
27.31
-4
-1
10.47 0.00
664.69 0.00
0.00 0.00
0.00 0.00
0.00 0.00
-8.69 0.00
-1
4.14 0.00
-5
0.00
0.00
0.00
0.00
0.00
0.00
101.33
65
1680
-12.99
23.24 0.00
403.28
27.05
841.90 0.00 6935.67 2977.65
10
-8.23 0.00 -152.31
-171.06
-100
0.00
-316.27
-124
-1.05
-229.39
-203
0.00
83.41
77
13.78
162.71 0.00 2791.26 1651.68
16.86 0.00
395.79 24.37 4545.88 1959.28
52
0.97
340.09
380
-0.90
-73.34
-48
0.00
68.69
59
0.00
0.00
0.00
-81.12
-44
0.49
36.88
105
1.38
388.98
94
neefve
Loss
2209
-203
0.00
0.00
14.33
0.00
-21
0.00
-288
0.00
79
0.00
3015
-15.42
3.39
0.00
31.41
-235
3.39
175.18
1997
8.74
-3093
-2.80
-263.28
-489
0.00
-356
7.43
38613
0.00
444.92
885
neefve
Loss
29345
kegue
Total
373
0.00
0.00
0.00
-0.59
-61
0.00
0.00
0.00
-1156
38.35
-278
0.00
762.82 260.85
3150
0.00
0.00
0.00
-5.68
-511
3.46
47.96
1063
20.35
7160
0.00
824
0.00
-718
9.65
-3224
-3.85
49447
0.00
-933.07
-2587
45.78
-281
6.81
3216
0.00
0.00
0.00
-404
10.94
-1279
48.82
-718
0.00
0.00
255.49
379
0.00
-300
0.00
-2880
45.78
0.00
-3.85
0.00 -1192.85
0.00
-0.59
-61
0.00
28.46 1648.33 287.61
-371
0.00
0.00
-9.65
-16.66
-545
7.66
26780
831.64
0.00 6753.12
0.00
40346
-149.63
3232
-8.34
8046
-9.76
903
0.00
52527
-167.73
-376.27 -275.75 -762.48 -226.18 -1640.68
-897
-13.98
0.00 -1964.40
-2.80
1095
42.07
229.10 235.57
2103
32.67
360.54 -343.29
887
241.02
6288.45
23582
756.90
-263.28 -1192.85
-489
0.00
0.00
0.00
139.83
2248.40
25465
343.83
19.56
62.16
0.00
526.64
840.11
32.43
88.79
0.00
961.33
917.18 1045.32 244.32 15632.14 22447.20 1306.81 2490.41 292.52 26536.94
2850
0.00
27084
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
20715
2183
5562
kegue
ceeveke
Total Standard
kegue
Total
679.81 184.04 15280.27 19261.83 1628.57 1495.27 231.68 22617.35
790
neefve
Loss
-205.21 -197.91 -329.97 -199.98
-797
0.00
27.37
-430
0.00
0.00
0.00
136.97 -130.70
807
132.98
603.19 48.20 3969.13 13425.32
876
-1.53
22405
314.74
0.00 -1051.04
-1.05
0.00 -229.39
0.00
0.00
0.00
-59.91 -1.83 -306.14
-119
0.00
1297
33.55
0.00 1713.46 2025.26
0.00
220.82 26.76
59
0.00
0.00
0.00
-2.29
-33
0.06
24.90
30
4.86
Deve
Others
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
19805
1872
4617
kegue
ceeveke
Total Standard
419.67 23.27 2791.20 13412.90 1003.52
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
868
308
939
Sme Sce F& $e+Ce hegvee|veOeejCe keee&heCeeueer kes DeOeerve

Under SME Debt Restructuring Mechanism
kegue
ceeveke
Total Standard
-4.50 -372.60 -24.37 -401.47
22.55
414.85
0.00
236.07
meeqvoiOe
neefve
DeJeceeveke
Sub- Doubtful Loss
standard
3
6
1
3889.65
42
ceeveke
Standard
meer [er Deej keee&heCeeueer kes DeOeerve

Under CDR Mechanisam
A- 2.7.2 Disclosure of Restructured Accounts

2013-14

ke- 2.7.3 eefleYeteflekejCe/hegveie&"ve kecheveer DeLeJee Deeefmle hegveie&"ve kes efueS yeseer
ieF& efJeeere DeeefmleeeW kee efJeJejCe
A-2.7.3 Details of financial assets sold to Securitization/

Reconstruction Company or Asset Reconstruction
Particulars
efJeJejCe
2013-14
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
23
(i) KeeleeW keer mebKee
No. of accounts
(ii) Smemeer/Deejmeer kees yeses ieS KeeleeW keer
Aggregate value (net of provisions) of

accounts sold to SC / R C
253.64
(iii) kegue eefleHeue
Aggregate consideration
522.21
(iv) DeejbefYeke Je<eeX ceW Debleefjle KeeleeW kes mebyebOe ceW
Additional consideration realized in respect

of accounts transferred in earlier years
0.00
268.57
kegue keercele (eeJeOeeveeW kee ves)
Jemetuee ieee Deefleefje eefleHeue

(v) Meg yener keercele hej kegue ueeYe / neefve
Aggregate gain/loss over net book value
ke-2.7.4 Kejeroer ieF& / yeseer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kee efJeJejCe
ke.
A-2.7.4 Details of non-performing financial assets purchased/sold

A.
Kejeroer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kes efJeJejCe :
Details of
purchased:
non-performing
financial
assets
(` kejes[ ceW / ` in Crores)

Particulars
efJeJejCe
1.
1. (a) No. of accounts purchased during

the year
ke. Je<e& kes oewjeve Kejeros ieS KeeleeW keer mebKee
(b) Aggregate outstanding
Ke. mecee yekeeee

2.
2. (a) Of these, number of accounts

restructured during the year
ke. FveceW mes Je<e& kes oewjeve hegveie&ef"le KeeleeW

keer mebKee
(b) Aggregate outstanding
Ke. mekeue yekeeee

Ke.
eeuet Je<e&
B.
yeseer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kee efJeJejCe :
efheuee Je<e&
Current Year
Previous Year
Details of non-performing financial assets sold:

Particulars
efJeJejCe
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
23
1.
yeses ieS KeeleeW keer mebKee
1. No. of accounts sold
2.
mecee yekeeee
2. Aggregate outstanding
671.28
3.
mecee eefleHeue eeefhle
3. Aggregate consideration received
522.21
A-2.7.5 Provisions on Standard Asset

ke-2.7.5 ceeveke DeeefmleeeW hej eeJeOeeve

efJeJejCe
Particulars
DeejyeerDeeF& ceeveoC[eW kes Devegmeej ceeveke DeeefmleeeW kes

efueS eeJeOeeve
Provisions towards Standard Assets as

per RBI norms
eeuet Je<e&
Current Year
2,401.45
efheuee Je<e&
Previous Year
1,820.38
239
2013-14
ke-2.7.6 peceeDeeW, DeefeceeW, Skemehees]pej leLee SveheerS kee kesverkejCe
ke) peceeDeeW kee kesverkejCe

efJeJejCe
Particulars
yeerme meyemes ye[s peceekelee&DeeW keer kegue peceeSb

yeQke keer kegue peceeDeeW ceW yeerme meyemes ye[s peceekelee&DeeW keer
peceeDeeW kee eefleMele
A-2.7.6 Concentration of Deposits, Advances, Exposures and

NPAs

a)
Concentration of Deposits
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
Total Deposits of twenty largest depositors
44,417.01
49,049.33
Percentage of Deposits of twenty largest

depositors to Total Deposits of the bank
7.81
10.35
Ke) DeefeceeW kee kesverkejCe
b)
Concentration of Advances
efJeJejCe
Particulars
yeerme meyemes ye[s $e+efCeeeW kees efoS ieS kegue $e+Ce
Total Advances to twenty largest borrowers
40,803.08
49,035.28
yeQke kes kegue DeefeceeW ceW yeerme meyemes ye[s $e+efCeeeW kees efoS
ieS DeefeceeW kee eefleMele
Percentage of Advances to twenty largest

borrowers to Total Advances of the bank
10.09
9.53
eeuet Je<e&
Current Year
ie) Skemehees]pej kee kesverkejCe
c)
efheuee Je<e&
Previous Year
Concentration of Exposures
efJeJejCe
Particulars
yeerme meyemes ye[s $e+efCeeeW / eenkeeW kee kegue Skemehees]pej
Total Exposure to twenty largest borrowers/

customers
54,180.12
51,573.39
yeerme meyemes ye[s $e+efCeeeW / eenkeeW kees yeQke kes kegue

Skemehees]pej kee eefleMele
Percentage of Exposures to twenty largest

borrowers/customers to Total Exposure of
the bank on borrowers/customers
8.52
8.16
eeuet Je<e&
Current Year
Ie) SveheerS kee kesverkejCe
d)
Concentration of NPAs
efJeJejCe
Particulars
eej ye[s SveheerS KeeleeW ceW kegue Skemeheespej
Total Exposure to top four NPA accounts
e)
efheuee Je<e&
Current Year
Previous Year
1,237.90
1,067.66
Provision Coverage Ratio
efJeJejCe
Particulars
mekeue SveheerS ceW eeJeOeeve (heermeerDeej) keJejspe Devegheele

(lekeveerkeer yeekejCe meefnle)
Provision Coverage Ratio (PCR)
240
eeuet Je<e&
*) eeJeOeeve keJejspe Devegheele
efheuee Je<e&
Previous Year
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
65.45%
68.24%

ke-2.8
A.2.8
JeeJemeeefeke Devegheele
Business Ratios
Particulars
efJeJejCe
2013-14
eeuet Je<e&
efheuee Je<e&
Current year
Previous Year
(i)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Interest Income as a percentage to
Average Working Funds
yeepe Deee
6.76
7.34
(ii)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Non-interest income as a Percentage to
Average Working Funds
iewj-yeepe Deee
0.78
0.76
(iii)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Operating Profit as a percentage to Average
Working Funds
heefjeeueve ueeYe
1.61
1.88
(iv)
DeeefmleeeW hej eefleHeue
0.75
0.90
(v)
eefle kece&eejer JeJemeee (keesj pecee leLee Deefece) Business (Core Deposits plus advances) per
employee (ìn Crores)
(` kejes[ ceW)
18.65
16.89
(vi)
eefle kece&eejer ueeYe (` kejes[ ceW)
0.10
0.10
Return on Assets
Profit per employee (ìn Crores)
ke-2.9 DeeefmleeeW Deewj oseleeDeeW kee eyebOeve DeeefmleeeW Deewj oseleeDeeW keer keg
ceoeW kee heefjhekeJelee mJehe
1 efove
Day 1
2 mes
7 efove
2 to
7 days
pecee jeefMeeeb Deposits
8 mes
14 efove
8 to
14 days
A. 2.9 Asset Liability Management Maturity pattern of certain

items of assets and liabilities

15 mes 29 efove mes 3 cenerveeW mes 6 cenerveeW mes 1 Je<e& mes 3 Je<e& mes 5 Je<e& mes
28 efove
3 ceen peeoe leLee 6 peeoe leLee peeoe leLee peeoe leLee DeefOeke
15 to 29 days to
cenerveeW leke 1 Je<e& leke 3 Je<e& leke 5 Je<e& leke Over 5
28 days
3 months
years
18184.76 36129.02 21376.70 23328.94 66860.86

(5142.66) (23513.87) (15185.67) (18126.44) (64889.29)
56233.86 148437.28 110191.01 9630.55 78521.81 568894.79

(52890.56) (131681.42) (82863.02) (18095.14) (61493.20) (473881.27)
46711.54 29635.90 106523.95 33758.64 78258.48 397005.81
(36542.22) (30267.28) (95296.65) (36705.42) (52131.98) (328185.77)
Deefece
Advances
3581.32 15804.50 6900.05 16250.56 59580.87

(4634.37) (8268.57) (10881.41) (9225.00) (44232.88)
efveJesMe
Investments
947.80 2096.30
(2605.83) (1935.87)
GOeej
Borrowings
Foreign
Over 3
Over 6 Over 1 year
Over 3
months & up months & & up to 3 years & up
to 6 months up to 1 year
years to 5 years
kegue
Total
363.29
(476.86)
3676.87
(484.49)
352.54
(715.14)
3713.70
(588.39)
5104.99
(9609.82)
943.13
(3395.63)
3882.13 11854.03 14646.31 72571.74 116112.66

(2764.66) (16614.87) (13800.94) (69368.43) (121399.59)
451.74
(269.34)
119.95
(549.05)
3802.72
(2385.78)
2691.44
(3506.20)
2439.41
(1880.69)
7442.40 1800.44 14024.70 36812.96

(5112.73) (5969.16) (5944.99) (26579.28)
efJeosMeer
Currency
cege Deeefmleeeb assets
23325.40 14675.28 9336.71 17181.73 47354.80

(14200.86) (7964.35) (4957.19) (12502.61) (38947.18)
49668.57 20188.25 33362.83 12223.77 8859.31 236196.66

(33395.54) (15676.21) (21842.87) (16457.82) (6871.62) (172816.26)
Foreign
Currency
liabilities
15856.78 23246.72 11833.02 15844.92 39411.49

(3555.68) (17430.51) (8384.56) (11463.65) (30088.97)
27650.75 41452.11 45415.91 7263.73 9011.56 236989.97

(24897.52) (30426.44) (11107.99) (18837.03) (3779.70) (159972.03)
efJeosMeer
cege oseleeSb

keeske ceW efoS ieS Deebke[s efHeues Je<e& keer mebKeeSb nQ. Figures in bracket denote previous year numbers
DeeeqmleeeW SJeb oseleeDeeW kee efJeYeepeve eghe Deeeqmle oselee heyebOeve veerefle 2013 kes Devegmeej efkeee ieee nw. The distribution of Assets and Liabilities
has been done as per the Group Asset Liability Management Policy-2013 of the Bank
kegue DeefieceeW keer ieCevee ceW eeJeOeeveeW SJeb Deve keewefleeeW kee efJeYeepeve mekeue ceeveke DeefieceeW kes Devegheele ceW efkeee ieee nw. The Distribution of provisions
and other deductions, while arriving at the net advances, has been done in proportion to the gross Standard Advances.
efJeosMeer cege keer oseleeDeeW kee efJeYeepeve cetue oselee efJeYeepeve kes Devegheele ceW efkeee ieee nw. Distribution of of provision on foreign currency liabilities
has been done in proportion to the distribution of the parent liability.
241
2013-14
ke-2.10 Skemeheespej
A-2.10 Exposure
ke-2.10.1 efjeue Sms #es$e ceW Skemeheespej
A-2.10.1 Exposure to Real Estate Sector

Category
esCeer
ke)
ele#e Skemeheespej
a)
Direct exposure
(i)
DeeJeemeere yebOeke
(i)
Residential Mortgages
DeeJeemeere mebheefe, pees kepe&oej kes mJeeefcelJe ceW nw / nesieer ee Lending fully secured by mortgages on residential
property that is or will be occupied by the borrower
efkejeS hej nw, kees yebOeke jKeles ngS hetCe& megjef#ele kepe&,
eeuet Je<e&
efheuee Je<e&
Current Year Previous Year
22,362.51
17,702.43
FveceW mes Jeefeiele DeeJeeme $e+Ce heeLeefcekelee heehle DeefieceeW ceW Of which Individual housing loans eligible for (12,548.45)
inclusion in priority sector
Meeefceue kejves nsleg hee$e nQ.
(10,535.17)
or that is rented;
(ii) JeeefCeefpeke efjeue Sms

JeeefCeeqpeke efjeue Sms hej yebOeke eje megjef#ele
kepe& (keeee&uee YeJeve, efjsue mhesme, ceuer hehe&me
kecee|Meeue heefjmej, yengheefjJeej DeeJeemeere YeJeve, yeng
efkejeSoej kecee|Meeue heefjmej, Deeweeseif eke ee Jesej
neGme mhesme, nesue, peceerve, DeefOeienCe, efJekeeme
leLee efvecee&Ce keee& Deeefo) Skemeheesp] ej ceW iewj efveefOe
DeeOeeefjle (SveSHeyeer) meerceeSb Meeefceue nes mekeleer nQ.
(iii) yebOeke ege heefleYetefleeeW ceW efveJesMe (Sce yeer Sme) leLee
Deve heefleYeteflele Skemeheespej
Ke)
ii)
Commercial Real Estate
Residential,
Ke. JeeefCeefpeke efjeue Sms
b.
Commercial Real Estate.
b)
941.28
43.83
38.62
60.91
10,694.93
6,312.11
43,706.88
30,861.48
Fund based and non-fund based exposures
vewMeveue neGeEmeie yeQke (SveSeyeer) leLee
(i)
National Housing Bank (NHB)
(ii)
DeeJeeme efJee kebheefveeeb (SeSHemeer)
(ii)
Housing Finance Companies (HFCs)
242
14.98
Indirect Exposure
(i)
efjeue Sms #es$e ceW kegue Skemeheespej
25.17
(iii) Investments in Mortgage Backed Securities

(MBS) and other securitised exposures
a.
efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle Skemeheespej
6,727.22
Lending secured by mortgages on commercial

real estates (office buildings, retail space, multipurpose commercial premises, multi-family
residential buildings, multi-tenanted commercial
premises, industrial or warehouse space, hotels,
land acquisition, development and construction,
etc.). Exposure would also include non-fund based
(NFB) limits;
ke. DeeJeemeere
Deele#e Skemeheespej
9,644.37
Total Exposure to Real Estate Sector

ke-2.10.2 Hebtpeer yeepeej ceW $e+Ce peesefKece
A- 2.10.2 Exposure to Capital Market

Particulars
efJeJejCe
2013-14
eeuet Je<e&
efheuee Je<e&
Current
Year
Previous
Year
(i)
FefkeJeer Meseme&, HeefjJele&veere yeeb[eW, HeefjJele&veere ef[yeWejeW (i)

leLee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer etefveeW,
efpevekes kee@jheme keeHeexjs $e+Ce ceW Deueie mes efveJesMe veneR
efkeS ieS neW, ceW ele#e efveJesMe
Direct investment in equity shares, convertible

bonds, convertible debentures and units of
equity-oriented mutual funds the corpus of
which is not exclusively invested in corporate
debt;
1,854.52
1,782.26
(ii)
MesejeW/yeeb[eW/ef[yeWejeW DeLeJee Deve eefleYetefleeeW keer (ii)

SJe]pe ceW Deefece DeLeJee MesejeW (DeeF&heerDees/F&SmeDeesheer),
heefjJele&veMeerue yeeb[eW, heefjJele&veMeerue ef[yeWejeW leLee FefkeJeer
DeeOeeefjle cetegDeue Heb[ keer etefveeW ceW efveJesMe kes efueS
JeefeeeW kees efveyeOe DeeOeej hej efoS ieS Deefece
Advances against shares/bonds/ debentures

or other securities or on clean basis to
individuals for investment in shares (including
IPOs/ESOPs), convertible bonds, convertible
debentures, and units of equity-oriented
mutual funds;
24.72
65.03
(iii)
efkevneR Deve Ssmes GsMeeW kes efueS Deefece peneb MesejeW (iii)
DeLeJee HeefjJele&veere yeeb[eW DeLeJee HeefjJele&veere ef[yeWejeW
DeLeJee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer etefveeW kees
HeeLeefceke HeefleYetefle kes He ceW efueee ieee nw.
Advances for any other purposes where

shares or convertible bonds or convertible
debentures or units of equity oriented mutual
funds are taken as primary security;
0.06
27.10
(iv)
efkevneR Deve Ssmes GsMeeW kes efueS Gme meercee leke Deefece, (iv)
peesefke MesejeW, heefjJele&veMeerue yeeb[eW DeLeJee HeefjJele&veere
ef[yeWejeW DeLeJee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer
etefveeW keer mebheeefMJe&ke eefleYetefle mes mebjef#ele nw; DeLee&le
peneb efke MesejeW/HeefjJele&veere yeeb[eW/HeefjJele&veere ef[yeWejeW/
FefkeJeer DeeOeeefjle cetegDeue Heb[eW kes DeueeJee ueer ieeer
HeeLeefceke HeefleYetefle Hetjer lejn mes DeefieceeW kees keJej veneR
kej Heeeer nw.
Advances for any other purposes to the extent

secured by the collateral security of shares or
convertible bonds or convertible debentures
or units of equity oriented mutual funds i.e.
where the primary security other than shares/
convertible bonds/convertible debentures/
units of equity oriented mutual funds `does
not fully cover the advances
138.34
875.18
(v)
me@ke yeeskejeW kees peceeveleer leLee iewj peceeveleer Deefiece (v)

leLee me@ke yeeskejeW leLee ceekex ceskej keer Deesj mes peejer
ieejbefeeb
Secured and unsecured advances to

stockbrokers and guarantees issued on
behalf of stockbrokers and market makers
125.84
351.95
(vi)
keeHeexjs kees MesejeW/yeeb[eW/ef[yeWejeW DeLeJee Deve (vi)

HeefleYetefleeeW DeLeJee DeHeves mebmeeOeveeW kes ye{ves keer HeleeMee
ceW veeer kebHeefveeeW keer FefkeJeer kees Heesceesj kes DebMeoeve kes
efueS efveyeb&Oe DeeOeej Hej mJeerke=le efkeS ieS Deefiece
Loans sanctioned to corporates against the

security of shares / bonds/debentures or
other securities or on clean basis for meeting
promoters contribution to the equity of new
companies in anticipation of raising resources;
1.77
(vii) mebYeeefJele FefkeJeer HeJeen/efveie&ceeW keer SJepe ceW kebHeefveeeW kees (vii)
Bridge loans to companies against expected

equity flows/issues;
1.10
(viii) MesejeW DeLeJee HeefjJele&veere yeeb[eW/ef[yeWejeW DeLeJee FefkeJeer (viii) Underwriting commitments taken up by the
banks in respect of primary issue of shares or
DeeOeeefjle cetegDeue Heb[ kes HeeLeefceke cegeW kes yeejs ceW yeQkeeW
convertible bonds or convertible debentures
eje keer ieF& neceeroejer eefleyeleeSb
or units of equity oriented mutual funds;
0.00
(ix)
ceeefpe&ve ^sef[bie kes efueS me@ke yeeskejeW kees efJee Heoeve (ix)
kejvee
Financing to stockbrokers for margin trading
2.94
2.06
(x)
JeWej hetbpeer efveefOeeeW (Hebpeerke=le leLee iewj Hebpeerke=le) kee (x)

peesefKece
All exposures to Venture Capital Funds (both

registered and unregistered)
865.89
779.24
Hetbpeer yeepeej ceW kegue peesefKece
Total Exposure to Capital Market
3,015.18
3,882.82
hetjke (efyepe) $e+Ce
hetbpeer yeepeej ceW ` 3015.18 kejes[ kee $e+Ce kegue $e+Ce keer meercee jeefMe ` 12,285.68 kejes[ kes Yeerlej nw. (DeLee&le 31.03.2013 kees yeQke keer Meg ceeefueele ` 30714.19 kejes[
kee 40%). hetbpeer yeepeej ceW hele#e SkemeHeespej ` 2748.13 kejes[ nw Deewj efoveebke 31.03.2013 kees yeQke keer efveJeue ceeefueele ` 6142.84 kejes[ kee 20% DeLee&le ` 26203.67
kejes[ keer meercee kes Yeerlej nw.
The exposure to Capital Market of ` 3015.18 Crores is within the limit of `12,285.68 Crores (i.e. 40% of Banks Net worth of
` 30714.19 Crores as on 31.03.2013). The direct exposure to Capital Market is ` 2748.13 Crores and is within the limit of
` 6142.84 crores i.e. 20% of the Banks net worth of ` 26,203.67 crores as on 31.03.2013.
243
2013-14
ke-2.10.3 peesefKece esCeerJeej osMeere Skemehees]pej

esCeer
A- 2.10.3 Risk Category wise Country Exposure

Category
31 ceee& 2014 kees

Skemehees]pej (ves)
Exposure
(net) as on 31st
March 2014
cenlJenerve
vetve
ceOe
Ge
DeefOeke Ge
meerefcele
$e+Ce mes Flej
De-cetueebefkele
kegue
31 ceee& 2014
kees eeJeOeeve
31 ceee& 2013
kees Skemehees]pej (ves)
31 ceee& 2013
kees eeJeOeeve
Insignificant
39,005.81
Provision
held as on
31st March
2014
16.34
Low
42,533.67
28.38
15,260.64
16.05
Moderate
1,709.58
--
1,126.05
--
High
2,663.53
--
1,844.36
--
Very High
477.34
--
17.48
--
Restricted
2.92
--
0.81
--
Off-credit
2.19
--
2.53
--
Not Rated
0.00
--
20.96
--
86,395.04
44.72
45,517.53
35.66
Total
ke-2.10.4 yeQke eje Skeue $e+Ceer meercee (SmeyeerSue) mecetn $e+Ceer meercee (peeryeerSue)
ceW DeeefOekee
Exposure
(net) as on
31st March
2013
27,244.70
A- 2.10.4 Single Borrower Limit (SBL)/ Group Borrower Limit

(GBL) exceeded by the bank
Skeue kepe&oej
Skemehees]pej meercee
kegue efveOee&efjle
meercee
31 ceee&
kees Mes<e
mecetn kepe&oej
Skemehees]pej meercee
kegue efveOee&efjle
meercee
31 ceee&
kees Mes<e
Je<e&
Year
$e+Ceer kee veece
2013-14
2012-13
Single Borrower
Exposure Limit
-
Je<e&
Year
$e+Ceer kee veece
2013-14
2012-13
Group Borrower
Exposure Limit
-
Name of the borrower
Name of the borrower
ke-2.10.5 iewjpeceeveleer Deefece jeefMe

Ssmes DeefieceeW efpeveceW nkeoejer, ueeFmeWme, heeefOekeej Deeefo hej heYeej nsleg
Decetle& heefleYetefleeeb peceevele kes he ceW ueer ieF& nw, keer jeefMe `333.35
kejes[ (iele Je<e& ` 333.35 kejes[) nw Deewj GvnW iewj peceeveleer DeefieceeW kes
Yeeie kes he ceW oMee&ee ieee nw pewmee efke legueve he$e keer Devegmeteer 9 ceW
GequueefKele nw. kegue iewj peceeveleer DeefieceeW ceW Ssmes DeefieceeW kee DebMe 0.61%
(iele Je<e& 0.79%) nw. cetueebkeve efjHeex efoveebke 31 efomebyej 2010 kes
Devegmeej Decetle& mebHeeefMJe&ke cetueebkeve ` 3268.14 kejes[ keer ieF& nw.
ke-2.11 efJeefJeOe
ke-2.11.1 Je<e& kes oewjeve kejeOeeve nsleg efkeS ieS eeJeOeeve keer jeefMe
efJeJejCe
kej kes efueS ves eeJeOeeve
244
Total Limit Balance as on

Sanctioned
31st March
-
Total Limit Balance as on

Sanctioned
31st March
-
A-2.10.5 Amount of Unsecured Advances

The amount of advances, for which intangible securities, such
as charge over the rights, licenses, authority etc. have been
taken as security is ` 333.35 crores (previous year ` 333.35
Crores) and the same has been classified as unsecured,
forming part of unsecured advances as reflected in schedule
9 of the balance sheet. Such advances to total unsecured
advances are 0.61 % (previous year 0.79%). The intangible
collateral valued at ` 3268.14 crores as per valuation report
dated 31st December 2010.
A-2.11 Miscellaneous
A-2.11.1 Amount of Provisions for Taxation during the year
Particulars
mebheefe kej SJeb DeemLeefiele kej meefnle kes kejeW nsleg heeJeOeeve Provision for Tax including Wealth tax &
IeeSb efheues Je<eeX mes mebyebefOele kej heeJeOeeveeW kee efjJeme&ue
Provision
held as on
31st March
2013
19.61
deferred tax
Less reversal of Tax Provisions relating to
previous years
Net provision for Tax
eeuet Je<e&
efheuee Je<e&
Current Year
1,540.34
Previous year
904.33
584.11
553.82
956.23
350.51
2013-14
ke-2.11.2 Yeejleere efj]peJe& yeQke eje ueieeS ieS ob[ kee ekeerkejCe

efJeeere Je<e& 2013-14 kes oewjeve yeQke hej yeQeEkeie efJeefveece DeefOeefveece
1949 keer efkemeer Yeer Dehes#ee keer DeJensuevee veneR keer ieF& nw Deewj iewj
Devegheeuevee kes efueS yeQke hej keesF& oC[ veneR ueieeee ieee nw. leLeeefhe
Yeejleere efj]peJe& yeQke kes kejWmeer esm mes mecye efJeefYeVe efveeceeW leLee
kesJeeemeer ceeveoC[eW kee heeueve ve nes heeves kes keejCe yeQke ves efJeeere Je<e&
2013-14 kes oewjeve ` 3.34 kejes[ keer hewveuer kee Yegieleeve efkeee.
A-2.11.2 Disclosure of penalties imposed by RBI

During the financial year 2013-14, the Bank has not
been subjected to any penalty for contravention or
non-compliance with any requirement of the Banking
Regulation Act, 1949. However, under various rules of
RBI related to Currency chest and non-compliance of
KYC norms, the Bank has paid penalty of ` 3.34 crores
during the financial year 2013-14.
ke-2.11.3 eeeesefpele SmeheerJeer Dee@He yewueWme Meer (efpemes uesKee ceevekeeW kes Devegmeej
mecesefkele efkeee peevee nw)
A-2.11.3 Off-balance sheet SPVs sponsored (which are required

to be consolidated as per accounting norms)
eeeesefpele SmeheerJeer kee veece Name of the SPV sponsored

Iejsuet Domestic
efJeosMeer Overseas
Metve / NIL
Metve / NIL
A-2.11.4 Securitisation
ke-2.11.4 heefleYetleerkejCe
S.No.
efJeJejCe
Particulars
1.
heefleYetleerkejCe DeblejCe kes efueS yeQke eje heeeesefpele

SmeheerJeer keer mebKee
No. of SPVs sponsored by the bank for

Securitization transaction
2.
yeQke eje heeeesefpele SmeheerJeer keer yener kes Devegmeej

heefleYetleerkejCe Deeeqmleeeb keer kegue jeefMe
Total amount of Securitized assets as per

books of the SPVs sponsored by the Bank
3.
leguevehe$e keer efleefLe kees vetvelece OeejCe DeeJeMekelee

(SceDeejDeej) kes Devegheeueve kes efueS yeQke eje heefleOeeefjle
peesefKece keer kegue jeefMe
ke) leguevehe$eslej peesefKece
cetue Ieee
Deve
Ke) leguevehe$e kee peesefKece
cetue Ieee
Deve
Total amount of exposures retained by the

bank to comply with minimum retention
requirement (MRR) as on the date of
Balance Sheet
a) Off-balance sheet exposures
First Loss
Others
b) On balance sheet exposures
First Loss
Others
4.
SceSceDeej kes DeueeJee heleerYetleerkejCe DeblejCe mes peesefKece

keer jeefMe
ke) leguevehe$eslej peesefKece
i) Deheves heefleYetleerkejCe mes peesefKece
cetue Ieee

Deve Ieee
ii) le=leere he#e heefleYetleerkejCe mes peesefKece
cetue Ieee
Deve Ieee
Ke) leguevehe$e kee peesefKece
i) Deheves heefleYetleerkejCe mes peesefKece cetue Ieee
Deve Ieee
ii) le=leere he#e heefleYetleerkejCe mes peesefKece
cetue Ieee
Deve Ieee
Amount of Exposures to securitisation

transactions other than MRR
a) Off-balance sheet exposures
i)
Exposures to own securitisations

First Loss
Loss/Others
ii) Exposures to third party
securitisations

First Loss
Others
mebKee/ jeefMe (`kejes[ ceW)
No. / Amount (` in crores)
Metve
NIL
b) Onbalance sheet exposures

i)

ii)

Exposures to own securitisations

First Loss
Loss/Others
Exposures to third party
securitisations
First Loss
Others
245
2013-14
ke-3. eeJeOeeveeW Je DeekeefmcekeleeDeeW kee yeske Dehe
A-3. Break up of Provisions and Contingencies
ke-3.1 ueeYe Je neefve Keeles ceW Deeves Jeeues eeJeOeeve Je DeekeefmcekeleeDeeW kee
efJeJejCe Fme ekeej nw:
A-3.1 The break-up of provisions and contingencies appearing

in Profit & Loss Account is as under:
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
Current
Year
Previous
Year
efveJesMe hej cetueeme nsleg eeJeOeeve (Meg euesefKele)
Provision for depreciation on investment (net of written

back)
198.60
225.45
yesKeeles [eues ieS DeMeesOe $e+CeeW/SveheerS kes

efueS eeJeOeeve (Meg euesefKele)
Bad debts written off / Provision made towards NPA

(net of written back)
2,935.16
3,067.02
ceeveke DeeefmleeeW nsleg eeJeOeeve
Provision for standard assets
535.04
393.80
kej nsleg eeJeOeeve DeemLeefiele kejeW,

Deewj mebheoe kej meefnle (Meg eefleJeefle&le eeJeOeeve)
Provision for taxes including deferred taxes, and Wealth

tax (net of reversal of provisions)
956.23
350.51
Deve eeJeOeeve leLee DeekeefmcekeleeSb
Other Provision and Contingencies
hegveie&ef"le ceeveke Je DeJeceeveke KeeleeW ceW yeepe kes

mewefeHeeFme nsleg eeJeOeeve
Provision towards sacrifice of interest in restructured

standard and sub-standard accounts
32.56
382.42
osMeiele peesefKece eyebOeve nsleg eeJeOeeve
Provision for Country Risk Management
9.06
13.03
kece&eejer keueeCe Kee& nsleg eeJeOeeve
Provision for staff welfare expenses
25.00
25.00
Deve
Others (includes provision for fraud, claim against

bank, sensitive accounts etc.)
58.29
61.20
kegue
Total
4,749.94
4,518.43
A-3.2 Floating Provisions Comprehensive Disclosures

ke-3.2 DemLeeeer eeJeOeeve - Jeeheke ekeerkejCe
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
Current
Year
Previous
Year
ke. DemLeeeer eeJeOeeve Keeles ceW DeejefcYeke Mes<e
a.
Opening balance in the floating

provisions account
850.35
850.35
Ke. uesKee Je<e& ceW efkeS ieS DemLeeeer eeJeOeeve keer jeefMe
b.
The quantum of floating provisions made

in the accounting year
ie. uesKee Je<e& kes oewjeve efkeS ieS [ê [eGve keer
jeefMe
c.
Amount of draw down made during the

accounting year
Ie. DemLeeeer eeJeOeeve Keeles ceW Debeflece Mes<e
d.
Closing balance in the floating provisions

account
850.35
850.35
ke- 3.3 Deejef#ele efveefOeeeW ceW efiejeJe ([ê [eGve)
Yeejleere efj]peJe& yeQke kes heefjhe$eebke [eryeerDees[er veb.yeerheer.yeermeer.

77/21.04.018/2013-14 efoveebke 20 efomecyej 2013 keer Meleex kes
Deveghe yeQke ves hetJe& Deejef#ele efveefOe ceW mes `818.90 kejes[ keer DeeefmLeiele
kej oselee me=efpele keer nw.
246
A-3.3
Draw Down from Reserves

In terms of Reserve Bank of India Circular no.
DBOD.no.BP.BC.77/21.04.018/2013-14 dated 20th
December 2013, the Bank has created deferred
tax liability of ` 818.90 crores out of past reserves.

ke- 4.
A-4.
efMekeeeleeW kee ekeerkejCe

I.
Disclosure of complaints
I. Customer Complaints (Other than ATM)
eenke efMekeeele (SerSce keer efMekeeeleW es[kej)
eeuet Je<e&
efJeJejCe
Particulars
(ke) Je<e& kes Meg ceW uebefyele efMekeeeleeW keer mebKee
(a) No. of complaints pending at the

(Ke) Je<e& kes oewjeve HeeHle efMekeeeleeW keer mebKee

(ie)
Je<e& kes oewjeve efveJeeefjle efMekeeeleeW keer mebKee
(Ie) Je<e& kes Deble ceW uebefyele efMekeeeleeW keer mebKee
2013-14
efheuee Je<e&
Current
Year
Previous
Year
151
636
(b) No. of complaints received during the year
23,350
14,843
(c)
No. of complaints redressed during the

year
23,369
15,328
(d) No. of complaints pending at the end of

the year
*132
151
mes 123 efMekeeeleW (iele Je<e& 142 efMekeeeleW) 30 efoveeW mes kece hegjeveer nQ. * Out of these 123 nos. of complaints (Previous year 142
* FveceW
nos.) are pending for less than 30 days.
II.
II. ATM Complaints
SerSce mebyebOeer efMekeeeleW
eeuet Je<e&
efJeJejCe
Particulars
(ke) Je<e& kes Meg ceW SerSce mes mebyebOeer uebefyele efMekeeeleeW
keer mebKee
(a) No. of ATMs complaints pending at the

(Ke) Je<e& kes oewjeve SerSce mes mebyebOeer HeeHle efMekeeeleeW keer
mebKee
(ie)
Je<e& kes oewjeve SerSce mes mebyebOeer efveJeeefjle efMekeeeleeW

keer mebKee
(Ie) Je<e& kes Deble ceW SerSce mes mebyebOeer uebefyele efMekeeeleeW
keer mebKee
III.
efheuee Je<e&
Current
Year
Previous
Year
4,190
2,210
(b) No. of ATMS complaints received during

the year
7,55,980
3,16,589
(c)
7,51,150
3,12,399
4,830
4,190
No. of ATMs complaints redressed during

the year
(d) No. of ATMs complaints pending at the

end of the year
II. Awards passed by the Banking Ombudsman
yeQefkebie ueeskeheeue eje efoS ieS efveCe&e
efJeJejCe
Particulars
(ke) Je<e& kes Meg ceW keeee&efvJele ve efkeS ieS efveCe&eeW keer mebKee
eeuet Je<e&
efheuee Je<e&
Current
Year
Previous
Year
(a) No. of unimplemented Awards at the

--
(Ke) Je<e& kes oewjeve yeQefkebie ueeskeHeeue eje efoS ieS

efveCe&eeW keer mebKee
(b) No. of Awards passed by the Banking

Ombudsman during the year
20
11
(ie)
(c)
19
15
--
Je<e& kes oewjeve keeee&efvJele efveCe&eeW keer mebKee
(Ie) Je<e& kes Deble ceW keeee&efvJele ve efkeS ieS efveCe&eeW keer mebKee
No. of Awards implemented during the

year
(d) No. of unimplemented Awards at the end

of the year
247
2013-14
ke-5. egkeewleer DeeMJeemeve He$e keer efmLeefle

(I) eeuet efJeeere Je<e& kes oewjeve peejer egkeewleer DeeMJeemeve he$e (SueDeesmeer)

yeQke ves eeuet Je<e& kes oewjeve efJeosMeer/osMeere efveeecekeeW eje Deheveer Deveg<ebefieeeW
keer mLeehevee kejves/MeeKeeDeeW kees Keesueves kes efueS Dehevee Devegceesove eehle
kejles mecee DeeJeMekeleeDeeW keer hetefle& kes meboYe& ceW keesF& DeeMJeemeve he$e peejer
veneR efkeee.
(II) 31.03.2014 kees yekeeee egkeewleer Deeeemeve he$eeW keer mebeeer eqmLeefle

yeQke ves efvecveefueefKele DeeMJeemeve peejer efkeee nw.
(i) efJeeere Je<e& 2008-09 kes oewjeve efJeosMeer/osMeer efJeefveeecekeeW keer Dehes#eeDeeW
kees hetje kejves kes efueS Deveg<ebefieeeW keer mLeehevee / MeeKeeSb Keesueves nsleg Gvemes
Devegceesove heehle kejves kes efueS efj]peJe& yeQke Dee@He vetpeerueQ[ kee Gme osMe ceW
yeQke keer Deveg<ebieer kes efueS egkeewleer Deeeemeve he$e peejer efkeee ieee Lee.
efo.31.03.2014 kes uesKee hejeref#ele uesKeeW kes Devegmeej Deveg<ebieer keer peceeSb
`137.92 kejes[ SJeb yeenjer oseleeSb `0.83 kejes[ nw. yeQke Dee@]He ye[ewoe
eje peejer efkeee ieee SueDeesmeer `138.75 kejes[ keer mecemle jeefMe DeLee&le
peceejeefMe SJeb yeenjer oseleeDeeW kees keJej kejlee nw. leLeeefhe 31.03.2014
kees Fme Deveg<ebieer keer Meg ceeefueele `222.31 kejes[ nw FmeefueS en mebHetCe&
pecee jeefMe Deewj yeenjer oseleeDeeW kees keJej kejlee nw.
(ii) efJeeere Je<e& 2010-11 kes oewjeve yeQke ves mebege Gece yeQke Fbef[ee
FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er (DeeF&DeeF&yeerSceyeer) ceW yeQke kes 40%
MesejOeeefjlee keer meercee leke yeQke Dee@]He vesieeje ceuesefMeee kees Deeeemeve
he$e peejer efkeee nw. efoveebke 31.03.2014 kees yeQke keer kegue pecee jeefMe
`273.89 kejes[ SJeb Deve oseleeSb `4.82 kejes[ DeLee&le kegue `278.71
kejes[ nw. efoveebke 31.03.2014 kees Fme Deveg<ebieer keer efveJeue ceeefueele
`591.13 kejes[ nw
ke-6 leermejer heeea kes GlheeoeW kes efJeheCeve mes Dee|pele Deee
efJeJejCe
Nature of Income
peerJeve yeercee heeefueefmeeeW keer efyeeer nsleg

iewj peerJeve yeercee heeefueefmeeeW keer efyeeer nsleg
For selling life insurance policies

For selling non life insurance policies
cetetDeue Heb[ heespeskeeW keer efyeeer nsleg
eeuet Je<e&
efheuee Je<e&
Current
Year
14.97
10.25
Previous
Year
18.36
11.98
For selling mutual fund projects
3.18
3.17
FeqkeJeer yeeseEkeie Glheeo
Equity broking product
0.29
0.33
yeQkeMeesjWme JeJemeee
Bancassurance Business
0.00
0.00
Ke. Fbmeret Dee@He] ee&[& SkeeGbsdme Dee@He] Fbef[ee (DeeF&meerSDeeF&) eje peejer
SkeeGbefbie mQ[[& (SSme) kes mebyebOe ceW HekeerkejCe
Ke-1 SSme-5 DeJeefOe/hetJe& DeJeefOe ceoeW kes efueS efveJeue ueeYe DeLeJee neefve leLee
uesKeeveerefleeeW ceW heefjJele&ve

A-5. Status of Letters of Comfort

I Letters of Comfort (LOCs) issued during the Current
Financial Year

During the current financial year, the Bank has not issued
any Letter of Comfort to meet the requirements of the
overseas/domestic regulators while seeking their approval
for establishing subsidiaries / opening of branches.
II
Cumulative position of LOCs outstanding as on 31.03.2014

The Bank has issued the following Letter of Comforts
(i) During financial year 2008-09 to meet the requirements
of the overseas/ domestic regulators while seeking
their approval for establishing subsidiaries/ opening of
branches, the Letter of Comfort was issued to Reserve
Bank of New Zealand for the Banks subsidiary in that
country. As per audited accounts as on 31.03.2014,
the deposits of the Subsidiary are ` 137.92 Crores and
outside liabilities are ` 0.83 Crores. The LOC issued by
Bank of Baroda covers this entire amount of ` 138.75
Crores i.e. deposit and outside liabilities. However,
the net worth of the Subsidiary as on 31.03.2014 is
` 222.31 Crores and therefore it covers the entire
deposits and outside liabilities.
(ii) During financial year 2010-11, the Bank has issued
Letter of comfort to the Bank of Negara Malaysia to
the extent of the Banks 40% shareholding in the joint
venture BankIndia International Bank (Malaysia)
Bhd (IIBMB). As on 31.03.2014, the deposits of the
Bank are ` 273.89 Crores and other liabilities are
` 4.82 Crores i.e. total of ` 278.71 Crores. The net worth
of the Subsidiary as on 31.03.2014 is ` 591.13 crores.
A-6 Income earned for marketing third party products
(` in Crores)
Deeefmle hegveefvecee&Ce kecheveer SDeejmeer/eefleYeteflekejCe DeefOeefveece kees yeseer

ieF&. efJeeere DeeefmleeeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes heefjhe$eebke
[eryeerDees[er.yeerheer.yeermeer.meb./98.21.04.13-2013-14 efoveebke 26 hejJejer
2014 kes Devehe eefo efyeeer Meg yener cetue (SveyeerJeer) mes kece nw (DeLee&le
yener cetue-eeJeOeeve jeefMe) lees kece jner jeefMe (Mee&hee@ue) oes Je<eeX leke kes
ueeYe neefve Keeles kes veeces efkeee peelee nw leLee eefo efyeeer cetue Meg efJeeer
cetue mes DeefOeke nw lees efJeeceeve veerefle kes Devegmeej DeeefOekee eeJeOeeve jeefMe
eehle Je<e& kes oewjeve ueeYe neefve Keeles ceW efjJeme& kej oer peeleer nw. eefo efyeeer
Meg efyeeer cetue (DeLee&le yener cetue-eeJeOeeve jeefMe) mes kece nw lees kece jner
jeefMe kees ueeYe neefve Keeles kees veeces efkeee peelee nw Deewj eefo efyeeer cetue
Meg yener cetue mes DeefOeke nw lees DeeefOekee jeefMe kees Deeies ues peeee peelee nw
leLee Fmekee Gheeesie YeefJe<e ceW iewj efve<heeoke efJeeere DeeefmleeeW keer efJeeer kes
keejCe jner keceer/ngF& neefve kees hetje kejves kes efueS efkeee peelee nw.
248
B.
Disclosure in terms of Accounting Standards (AS) issued

by the Institute of Chartered Accountants of India (ICAI).
B-1 AS-5 Net Profit or Loss for the period, Prior Period Items
and Changes in Accounting Policies

In accordance with new RBI circular DBOD.BP.BC.No. 98/
21.04.13/2013-14 dated 26th February, 2014, pertaining
to financial assets sold to Asset Reconstruction Company
(ARC)/ Securitization Company, if the sale is at a price
below the net book value (NBV), (i.e. Book value less
provisions held) the shortfall is debited to the profit and
loss account spread over a period of two years. If the
sale value is higher than the NBV, excess provision is
reversed to profit & loss account in the year the amounts
are received as against the existing policy, if the sale is
at price below the Net Book Value (i.e Book Value Less
Provision held), the short fall is debited to the profit and
loss account and if the sale value is higher than the NBV
surplus is carried forward and utilized to meet the short
fall/loss on account of subsequent sale of Non Performing
financial assets.

Je<e& kes oewjeve yeQke ves Yeejleere efj]peJe& yeQke kes veS efoMee-efveoxMeeW kes Devegmeej
`4.26 kejes[ kece keer Meg jeefMe Deefpe&le keer nw.
Ke-2. kece&eejer ueeYe (S.Sme.-15)

Ke-1.1 yeQke ves 07.12.2006 mes eYeeJeer DeeF&meerSDeeF& eje peejer uesKee ceeveke
(S.Sme.-15) kees DeHeveeee nw. en ceeveke efoveebke 17.12.2007 kees mebMeeseOf ele
SJeb DeefOemetef ele efkeee ieee.
Ke-2.2 ieseger
yeQke DeHeves Ssmes kece&eeefjeeW kees, pees efke yeQke mesJee mes mesJeeefveJe=e DeLeJee
mesJeeleeie kejles nQ, ies eger kee Yegieleeve kejlee nw. yeQke Heleske Je<e& Yegieleeve
keer peeves Jeeueer Fme ies eger keer hebef[ie kes efueS Ske Deebleefjke veeme kees
DebMeoeve jeefMe Heoeve kejlee nw. ies eger efveefOe kes efveeceeW kes DevegHe yeepe
oj, Jesleve Je=e
f , ce=leg oj Deewj mesJee es[ ves Jeeues mehe kee Devegceeve ueieeles
ngS, Heefjueef#ele FkeeF& $e+Ce yeerceebekf eke Heefle kes DeeOeej Hej ies eger oselee kes
yeerceebekf eke cetue keer ieCevee keer peeleer nw .
efveefOeeeW kee efveJesMe Yeejle mejkeej eje efveOee&efjle efveJesMe Heefle kes
Devegmeej efkeee peelee nw .
Yegieleeve keer peeves Jeeueer ieseger keer ieCevee 3 efJeefYevve eespeveeDeeW kes lejerkes
mes keer peeleer nw leLee Fmekes efueS kece&eeefjeeW kes efueS Hee$elee pees kece&eeefjeeW
kes efueS DeefOeke ueeYekeejer nes, Gmekes DeeOeej Hej keer peeleer nw.
Ke-2.3 HeWMeve
Ke-2.3.1 yeQke Dee@He] ye[ewoe DeHeves kece&eeefjeeW, efpevneWves HeWMeve kee efJekeuHe
egvee nw Deewj Ssmes kece&eeefjeeW kees, efpevneWves 29.09.1995 kees Hejbleg
01.04.2010 kes HetJe& yeQke mesJee ceW keee&Yeej mebYeeuee nw, GvnW efJeefveefo&<
ueeYe leLee mesJee efveJe=efe eespevee kes Debleie&le HeWMeve kee Yegieleeve
kejlee nw. en eespevee kece&eeefjeeW kees ceeefmeke DeeOeej Hej yeQke
Dee@He] ye[ewoe (kece&eejer) HeWMeve efJeefveece, 1995 kes DeOeerve Gvekes yeQke
es[ves kes Heeeled HeWMeve eoeve kejves keer megefJeOee eoeve kejleer nw. yeQke
Dee@He] ye[ewoe (kece&eejer) HeWMeve efJeefveece, 1995 Debleie&le Meeefceue kece&eejer
YeefJe<e efveefOe ceW yeQke kes DebMeoeve kes efueS Hee$e veneR nw.
Ke-2.3.2 veF& heWMeve eespevee
heWMeve kee ogyeeje efJekeuhe osves kes yeejs ceW Yeejleere yeQke mebIe Deewj kece&eejer
mebie"veeW kes yeere ngS efhe#eere mecePeewles Deewj mebege vees efoveebke 27.04.2010
kes Devegmeej efoveebke 01.04.2010 kees ee Fmekes heeele yeQke keer mesJee ceW heJesMe
kejves Jeeues kece&eejer heefjYeeef<ele DebMeoeeer heWMeve eespevee kes efueS hee$e nQ pees
efke yeQke ves mebege vees/mecePeewles efoveebke 27.04.2010 kes Devegmeej Meg keer
nw. en eespevee efoveebke 01.01.2004 mes kesvere mejkeej kes kece&eeefjeeW kes
efueS Meg keer ieF& leLee mecee-mecee hej eLeemebMeeseOf ele veF& hesMeve eespevee kes
heeJeOeeveeW mes ner efveebe$f ele nesleer nw. Dele: Jes yeQke keer YeefJe<e efveefOe eespevee leLee
heWMeve eespevee kee meome yeveves kes efueS hee$e veneR nQ. efoveebke 01.04.2010
kees DeLeJee Fmekes heeeled yeQke mesJeeDeeW ceW heJesMe kejves Jeeues yeQke kes kece&eeefjeeW
kes mebyebOe ceW kegue heefjueeqyOeeeW mes Jesleve leLee cenbieeF& Yees keer 10% keer oj mes
veF& heWMeve eespevee kes efueS keewleer Deewj Fmekes mecelegue ner yeQke eje DebMeoeve
efkeee pee jne nw.
Ke-2.3.3 efJeJeskehetCe& efJeefveeeceke heefle (heWMeve kee efJekeuhe)

Je<e& 2010-11 kes oewjeve yeQke ves Deheves Ssmes keg kece&eeefjeeW kes efueS heWMeve kee
efJekeuhe hegve: efoee Lee, efpevneWves hetJe& ceW heWMeve eespevee kee efJekeuhe ve efueee nes.
heefjCeecemJehe Fme heef eee kes ceeOece mes 18,989 kece&eeefjeeW ves en efJekeuhe
egvee, efpememes yeQke kes efueS `.1829.90 kejes[ keer oseleeSb GlheVe ngF.&
SSme-15 kece&eejer ueeYe mebyebOeer ceeveke keer Dehes#eeDeeW kes Devegmeej, `1829.90
kejes[ keer hetCe& jeefMe ueeYe-neefve Keeles kees heYeeefjle keer peeleer nw. leLeeefhe,
Yeejleere efjp] eJe& yeQke ves efo.9 HejJejer, 2011 kees meeJe&peefveke #es$e kes yeQkeeW
2013-14
During the year the bank has recognized a net gain of

`4.26 crores in this transaction as per new RBI guidelines.
B-2. (AS-15) Employee Benefits
B- 2.1 The Bank has adopted the Accounting Standard (AS-15)
issued by ICAI, effective from 07.12.2006. The standard
has been revised and notified on 17.12.2007.
B-2.2 GRATUITY

The Bank pays gratuity to employees who retire or resign
from Banks service, after initial service period of five
years. Accordingly, the Bank makes contributions to an
in-house trust, towards funding this gratuity, payable
every year. In accordance with the rule of Gratuity Fund,
actuarial valuation of gratuity liability is calculated based
on certain assumptions regarding rate of interest, salary
growth, mortality and staff attrition as per the Projected
Unit credit actuarial method. The investment of the funds
is made according to investment pattern prescribed by
the Government of India.

The gratuity payable is worked out by way of three
different schemes and the entitlement is based on what
is most beneficial to employees.
B- 2.3 PENSION
B. 2.3.1 Bank of Baroda pays pension, a defined benefit plan
covering the employees who have opted for pension
and also to the employees joining the banks service
on or after 29.9.1995 but before 01.04.2010. The plan
provides for a pension on a monthly basis to these
employees on their cessation from service of the Bank
in terms of Bank of Baroda (Employees) Pension
Regulations, 1995. Employees covered under Bank of
Baroda (Employees) Pension Regulations, 1995 are
not eligible for Banks contribution to Provident fund.
B. 2.3.2 New Pension Scheme

In terms of Bipartite Settlement and Joint Note dated
27.04.2010 between IBA and Employees Organisations
on extending another option for pension, employees
joining the services of the Bank on or after 01.04.2010
are eligible for the Defined Contributory Pension
Scheme, which was introduced by the Bank in terms of
the Joint Note / Settlement dated 27.04.2010, similar
to the one governed by the provisions of New Pension
Scheme introduced for the employees of Central
Government w.e.f. 01.01.2004 and as modified from
time to time. Hence they are not eligible for becoming
members of Banks Provident Fund Scheme and
Pension Scheme. In respect of the employees of the
Bank who have joined the services of the Bank on or
after 01.04.2010, deduction towards New Pension
Scheme at the rate of 10% of the basic pay and dearness
allowance from the salary with a matching contribution
by the Bank is being made.
B-2.3.3 Prudential Regulatory treatment (reopening of Pension)

During the financial year 2010-11, the Bank had reopened
the Pension Option for such of its employees who had
not opted for the Pension Scheme earlier. As a result of
exercise of such option by 18,989 number of employees,
the Bank had incurred a liability of `1,829.90 Crores.

In terms of the requirements of AS 15 - Employee
Benefits, the entire amount of ` 1,829.90 Crores was
required to be charged to the Profit and Loss Account.
However, the RBI had issued a circular no. DBOD.
249
2013-14
kes kece&eeefjeeW kees heWMeve efJekeuhe hegve: heoeve kejves leLee ieps eger meerceeDeeW
ceW Je=e
f efJeJeskehetCe& efveeeceke heefle kes mebyebOe ceW heefjhe$e meb.[eryeerDees[er.
yeerheeryeermeer.80/21.04.018/2010-11 peejer efkeee Lee. efpemekes eje Ssmes
HesMb eve keer jeefMe kees Heebe Je<eesb& mes DeefOeke keer DeJeefOe leke HeefjMeeseOf ele efkeee
pee mekelee nw. leovegmeej 31 ceee&, 2014 leke yeQke ves `1463.92 kejes[ keer
jeefMe (`1829.90 kejes[ kee 3/5) ueeYe-neefve Keeles kees heYeeefjle keer nw.
` 365.98 kejes[ keer DeefveOee&ejf le Mes<e jeefMe kee Ge heefjhe$e ceW efJeefvee|oevegmeej
Mes<e DeJeefOe ceW efnmeeye ceW efueee peeSiee leLee heYeeefjle efkeee peeSiee. Fme jeefMe
ceW efJecege / mesJeeefveJe=e efkemeer kece&eejer keer jeefMe Meeefceue veneR nw.
Ke-2.4 YeefJe<e efveefOe

yeQke Dee@He] ye[ewoe kees DeHeves kece&eeefjeeW, pees 31.03.2010 kees DeLeJee Gmemes HetJe&
mesJee ceW DeeS nQ, kes mesJee efveJe=ef e ueeYeeW kes Ske Yeeie kes He ceW YeefJe<e efveefOe keer
osKejsKe meebeJf eefOeke DeeJeMekelee nw. Fme efveefOe kee HeyebOeve Deebleefjke veeefmeeeW eje
efkeee peelee nw. Heleske kece&eejer eje Gmekes cetue Jesleve SJeb hee$e YeeeW kee 10%
DebMeoeve efkeee peelee nw Deewj yeQke Dee@He] ye[ewoe Gme jeefMe kes yejeyej jeefMe Fme efveefOe
ceW DebMeoeve kejlee nw. Fme efveefOe kee efveJesMe Yeejle mejkeej eje efveOee&ejf le efveJesMe
Heefle kes Devegmeej efkeee peelee nw.
Ke-2.5 ger kee vekeoerkejCe
keesF& Yeer kece&eejer DeHeveer DeefOeJeef<e&lee /mJewefke mesJee efveJe=efe /ce=leg keer
leejerKe Hej Gmekes Keeles ceW pecee ngF& gefeeW ceW mes DeefOekelece 240 efoveeW
leke keer Deefpe&le gefeeW kee vekeoerkejCe HeeHle kejves kee nkeoej nw.

leLeeefHe, mesJee leeie keer efmLeefle ceW, kece&eejer pecee Deefpe&le gefeeW ceW
DeefOekelece 120 efoveeW leke gefeeW keer 50% jeefMe kee vekeoerkejCe HeeHle
kejves kee nkeoej nw .
Ke-2.6 Deefleefjkele mesJeeefveJe=efe ueeYe
Deefleefjkele mesJee efveJe=efe ueeYe kes efueS eespevee kes Debleie&le keesF& DeefOekeejer
DeHeveer mesJeeefveJe=efe /mJewefke mesJee efveJe=efe /ce=leg Hej Deefleefjkele mesJee
efveJe=efe ueeYe Heeves kee nkeoej nesiee yeMelex efke DeefOekeejer ves yeQke ceW 25 Je<eeX
keer mesJee Hetjer kej ueer nes.
"erke Fmeer lejn, DeJee[& me@He meome mesJee efveJe=efe /mJewefke mesJee
efveJe=efe/ ce=leg nesves Hej Deefleefjkele mesJee efveJe=efe ueeYe Heeves kes efueS nkeoej
neWies yeMelex DeJee[& meHe ves yeQke mesJee ceW 30 Je<eeX keer mesJee Hetjer kej ueer
nes. leLeeefHe, yeKee&mleieer, mesJee cegefkele, mesJee meceeefHle, DeefveJeee& mesJee efveJe=efe
Deewj mesJee leeie keer efmLeefle ceW mesJee keeue kes Je<eeX keer mebKee hej Oeeve ve
jKeles ngS Deefleefjkele mesJee efveJe=efe ueeYe kee Yegieleeve veneR efkeee peeSiee.
Ke-2.7 ekeerkejCe
cetue yeerceebefkeke DeJeOeejCeeSb (Jewspe Deewmele kes He ceW DeefYeJekele)
BP.BC.80/21.04.018/2010-11 on Re-opening of Pension

Option to Employees of Public Sector Banks and
Enhancement in Gratuity Limits Prudential Regulatory
Treatment, dated February 9, 2011, by which such
pension amount can be amortised over a period of five
year. Accordingly, the Bank has charged an amount of
` 1,463.92.Crores (representing four-fifth of `1,829.90
Crores) upto March 31, 2014. During the FY 2013-14,
the Bank charged ` 365.98 crores to profit and loss
account and the unrecognised balance amount of
` 365.98 Crores shall be accounted for and charged off
over the balance period stipulated in the said circular.
This amount does not include any employee relating to
separated/ retired employees.
B-2.4 PROVIDENT FUND

The Bank is statutorily required to maintain a provident
fund as a part of its retirement benefits to its employees
who joined Banks service on or before 31.03.2010. This
fund is administered by a trust managed by the Bank.
Each employee contributes 10% of their basic salary
and eligible allowances and the Bank contributes an
equal amount to the fund. The investment of the fund is
made according to investment pattern prescribed by the
Government of India.
B- 2.5 LEAVE ENCASHMENT

An employee is entitled to encash privilege leave standing
to his/her credit subject to a maximum of 240 days on the
date of superannuation/Voluntary Retirement/death.

However, on resignation, an employee is entitled to get
encashment to the tune of 50% of the privilege leave
standing to the credit subject to a maximum of 120 days.
B- 2.6 ADDITIONAL RETIREMENT BENEFIT

The scheme for additional retirement benefit provides that
an officer on Retirement/ Voluntary retirement/ Death shall
be eligible for additional retirement benefit, provided the
officer had completed-twenty five-years of service in Bank.

In the same manner, award staff member on Retirement/
Voluntary Retirement/ Death shall be eligible for additional
retirement benefit, provided the staff member had
completed thirty-years of service in Bank.

However, in case of dismissal, discharge, termination,
compulsory retirement and resignation, additional
retirement benefit shall not be payable irrespective of
any number of years of service.
B- 2.7 Disclosures

Principal Actuarial Assumptions [Expressed as
Weighted Averages]
HeWMeve
eespevee kee mJehe TYPE OF PLAN

DeJekeeMe vekeoerkejCe
ieseger Deefle.mesJee ueeYe
PENSION LEAVE ENCASHMENT GRATUITY

8.50%
8.50%
8.50%
6.00%
6.00%
6.00%
2.00%
2.00%
2.00%
ARB
Discount rate
8.50%
ef[mkeeGb oj
Salary Escalation Rate
6.00%
Jesleve Je=ef oj
Attrition Rate
2.00%
eme oj
Expected Rate of Return
eespeveeiele DeeefmleeeW Hej mebYeeefJele
8.70%
8.00%
on plan Assets
efjve& js
ce=legoj : SueDeeF&meerDeeF& 1994-96
Mortality Rate : LICI 1994-96
vees : yeQke ves Yeejleere efj]peJe& yeQke kes he$e efoveebke 24 ceee& 2014 kes Devegmeej Note : The bank has adequately provided for superannuation
yeerceebefkele (SkeeefJeefeue) cetueebkeve kes DeeOeej hej DeefOeJeef<e&lee eespevee kes scheme based on the actuarial valuation as per RBI letter dated
March 24, 2014.
efueS heee&hle jeefMe kee eeJeOeeve efkeee nw.
250

oseleeDeeW kes DeejbefYeke Deewj Debeflece Mes<e kee meceeOeeve
2013-14
Reconciliation of opening and closing balance of liability


HeWMeve
PENSION
DeJekeeMe
vekeoerkejCe
Deefle.
mes
J
ee
ueeYe
LEAVE GRATUITY
ARB
ieseger
ENCASHMENT
ke) 1/4/2013 kees HeerJeerDees
a) PVO as at 01.04.2013
Ke) pees[sb: yeepe keer ueeiele
b) Add- Interest Cost
ie) pees[sb: eeuet mesJee ueeiele
c ) Add- Current Service Cost
Ie) IeeeW: ueeYe Yegieleeve
d) Less- Benefits Paid
*) pees[sb: efheueer mesJee ueeiele

(efveefnle ueeYe)
e) Add- Actuarial loss/gain(-) on

obligation
Ie) 31.03.2014 kees HeerJeerDees
f)
PVO as at 31.03.2014
eespevee DeeefmleeeW kes Gefele cetue kes DeejbefYeke Mes<e SJeb Debeflece Mes<e kee
meceeOeeve
7,502.04
709.73
1,506.13
592.45
616.31
56.92
120.24
48.03
1,080.10
120.60
106.11
5.05
502.76
80.22
183.15
54.83
-436.21
-71.34
-16.70
56.46
8,259.48
735.69
1,532.62
647.17
Reconciliation of opening & closing balance of fair value of

plan assets

HeWMeve
ke) 01.04.2013 kees eespeveeiele DeeefmleeeW
kee Gefele cetue
Ke) pees[sb: eespeveeiele DeeeqmleeeW hej mebYeeefJele
efjve&
ie) pees[sb: DebMeoeve
Ie) Ieeesb: Heoe ueeYe
*) pees[sb: yeerceebefkeke ueeYe / (-) neefve
e) 31.03.2014 kees eespeveeiele DeeefmleeeW
kee Gefele cetue
ieseger
PENSION
6,658.32
Gratuity
1,373.13
b) Add- Expected Return on Plan

Assets
579.27
109.85
c) Add- Contributions
861.54
233.00
d) Less- Benefits Paid
502.76
183.15
32.15
-0.93
7,628.52
1,531.90
a) Fair Value of plan assets as

on 01.04.2013
e) Add- Actuarial gain/(-)loss

f)
Fair Value of Plan Assets as

on 31.03.2014
Amount recognized in the Balance Sheet
legueve-He$e ceW ceeve jeefMe

Deefle.
kejCe
HeWMeve DeJekeeMe vekeoer
ieseger
LEAVE
mes
J
ee
ueeYe
PENSION
GRATUITY
ENCASHMENT
ARB
ke) oeefelJe kee HeerJeer
a) PV of obligation
8,259.48
735.69
1,532.62
647.17
Ke) eespeveeiele DeeefmleeeW kee Gefele cetue
b) Fair value of plan assets
7,628.52
1,531.90
ie) Devlej
c) Difference
630.96
735.69
-0.72
647.17
Ie) DeefveOee&efjle mebeceCeMeerue oselee
d) Unrecognised transitional liability
365.98
*) leguevehe$e ceW ceeve oselee
e) Liability Recognised in the BS
264.98
735.69
0.72
647.17
251
2013-14
Amount recognized in the P & L Account
ueeYe-neefve Keeles ceW efveOee&efjle jeefMe

Deefle.
kejCe
HeWMeve DeJekeeMe vekeoer
ieseger
LEAVE
mes
J
ee
ueeYe
PENSION
GRATUITY
ENCASHMENT
ARB
ke)
eeuet mesJee ueeiele
a)
Current Service Cost
Ke)
yeepe ueeiele
b)
ie)
eespeveeiele Deeefmle Hej mebYeeefJele

efjve&
Ie)
1,080.10
120.60
106.11
5.05
Interest Cost
616.31
56.92
120.24
48.03
c)
Expected Return on Plan

Assets
579.27
109.85
eqveOee&efjle efheueer mesJee ueeiele (-)
d)
Net Actuarial Loss/gain(-)
-468.35
-71.34
-15.78
1.63
*)
Je<e& kes oewjeve mebeceCeere oselee
e)
Transitional liability
recognized in the year
365.98
e)
ueeYe neefve Keeles ceW efveOee&efjle Kee&
f)
1,014.76
106.18
100.72
54.71
Expenses Recognised in P&L
Expected contribution for next period (2014-15)
Deieueer DeJeefOe (2014-15) kes efueS mebYeeefJele DebMeoeve

Particulars
HeWMeve / Pension
iesegerr / Gratuity
Expected contribution
600.00
100.00
efJeJejCe
mebYeeefJele DebMeoeve
Investment Pattern
efveJesMe Hewve&
( % ceW / in %)
Particulars
efJeJejCe
Pension
Gratuity
kesvere mejkeej eefleYetefleeeb
Central Govt. Securities
19.75 %
20.49%
jepe mejkeej eefleYetefleeeb
State Government Securities
22.62%
24.30%
keeheexjs (heerSmeet)
Corporate (PSU)
23.99%
25.53%
keeheexjs (heeFJes)
Corporate (Private)
2.16%
1.48%
Deve
Others
31.48%
28.20%
kegue
Total
100.00 %
100.00 %
252

B.3. (AS-17) Segment Reporting

Part A Business Segments
Ke-3. (S.Sme.-17) mesieceW efjHeesefie :

Yeeie - ke : keejesyeej Keb[
keejesyeej Keb[/
^spejer
Business
Segment
keeheexjs/nesuemesue yeQeEkeie
Treasury
efJeJejCe
eeuet Je<e&
Particulars
2013-14
Corporate / Wholesale
Banking
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
efjsue yeQeEkeie
Deve yeQefkebie heefjeeueve
Retail Banking
kegue
Other Banking
Operations
Total
eeuet Je<e&
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
9199.48 16339.73 15026.66 10863.36
9604.56
5077.91
4996.58 43402.45 38827.28
1070.13
3085.71
2458.03
2221.71
Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year
jepemJe
Revenue
heefjCeece
Result
Deveeyebefle
Kee&
Unallocated
Expense
11121.44
1527.24
-461.12
-103.95
3359.84
6883.99
6273.60
1386.68
1442.37
5497.31
4831.23
Income taxes
956.23
350.51
efJeefMe< ueeYe/ Extra-ordinary

Profit/loss
neefve
4541.08
4480.72
heefjeeueveiele Operating
Profit
ueeYe
Deeekej
Meg ueeYe
Net Profit
Deve
metevee
Other
Information
mesieceW
Deeefmleeeb
Segment
Assets
Deveeyebefle
Deeefmleeeb
Unallocated
Assets
143095.02 145932.25 188611.50 152789.37 83557.45 73229.18 237100.33 169832.62 652364.32 541783.42
7140.21
kegue Deeefmleeeb Total Assets

mesieceW
oseleeSb
Segment
Liabilities
Deveeyebefle
oseleeSb
Unallocated
Liabilities
]kegue oseleeSb
Total Liabilities
efveeesefpele Hetbpeer Capital
5352.02
659504.53 547135.44
135287.09 137405.34 178319.97 143861.80 78998.16 68950.36 224163.02 159909.20 616768.25 510126.70
6750.61
5039.30
623518.86 515166.00
7807.94
8526.91 10291.53
8927.57
4559.29
4278.82 12937.31
9923.42 35596.07 31656.72
employed
Deveeyebefle
Unallocated
kegue Hetbpeer
Total Capital
389.60
35985.67 31969.44
Part B Geographic Segments
Yeeie - Ke : Yeewieesefueke Keb[ :
mesieceW
efJeJejCe
Segments
Particulars
jepemJe
Revenue
Deeefmleeeb
Assets
312.72

Iejsuet
Domestic
Debleje&êre
International
kegue
Total
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
38,421.82
33,876.70
4,980.63
4,950.58
43,402.45
38,827.28
4,27,952.61
3,81,404.32
2,31,551.92
1,65,731.12
6,59,504.53
5,47,135.44
253
2013-14
mesieceW efjHeesefie Hej efHHeCeer

1. DeeF&meerSDeeF& eje mesieceW efjHeexeEie Hej peejer uesKee ceeveke S.Sme.-17
keer DevegHeeuevee nsleg Yeejleere efjpeJe& yeQke kes ceeie&efveoxMeeW kes Devegmeej yeQke ves
Yeejleere efjpeJe& yeQke eje peejer mesieceW efjHeesefie Hej S.Sme.-17 kes meeLe
DevegHeeuevee kes GsMe kes efueS ^spejer heefjeeueve, Leeske, Kegoje Deewj Deve
yeQefkebie HeefjeeueveeW kees HeeLeefceke efyepevesme mesieceW kes He ceW leLee Iejsuet
Deewj Debleje&<êre kees efleere/Yeewieesefueke mesieceW kes He ceW Deheveeee nw.
2. mesieceW jepemJe yeee ieenkeeW mes HeeHle jepemJe kee HeefleefveefOelJe kejlee nw.
3. mesieceW HeefjCeece lee kejles mecee, yeQke ves efveefOe DeblejCe cetue efveOee&jCe
HeCeeueer kees DeHeveeee nw.
4. Heleske mesieceW kes efueS ueieeeer ieeer Hebtpeer mesieceW keer DeeefmleeeW kees
DevegHeeefleke DeeOeej Hej Deeyebefle kej oer ieeer nw.
5. Deve yeQefkebie heefjeeueveeW ceW heefjCeece jepemJe leLee ueieeeer ieeer hetbpeer ceW
Debleje&êre heefjeeueveeW mes mebyebefOele Deebke[s Yeer Meeefceue nQ.
Ke-4. mebyebefOele heeea ekeerkejCe (SSme-18)

mebyebefOele heeef&eeW kes veece SJeb yeQke kes meeLe Gvekes mebyebOe
ke) Deveg<ebefieeeb
i) yee@ye kewefheue ceekex efueefces[
ii) yee@ye kee[&dme efueefces[
iii) vewveerleeue yeQke efueefces[
iv) yeQke Dee@]He ye[ewoe (yeeslmeJeevee) efueefces[
v) yeQke Dee@]He ye[ewoe (kesefveee) efueefces[
vi) yeQke Dee@]He ye[ewoe (etieeb[e) efueefces[
vii) yeQke Dee@]He ye[ewoe (iegeevee) DeeF&Svemeer.
viii) yeQke Dee@]He ye[ewoe (etkes) efueefces[
ix) yeQke Dee@]He ye[ewoe (lebpeeefveee) efueefces[
x) ye[ewoe kewefheue ceekexdme (etieeb[e) efueefces[

(yeQke Dee@He ye[ewoe etieeb[e efueefces[ keer Deveg<ebieer)
xi) yee@ye ef$eefveoeo Je esyeeiees efue.
xii) yeQke Dee@]He ye[ewoe (Ieevee) efue.
xiii) yeQke Dee@]He ye[ewoe (vetpeerueQ[) efue.
(Ke) meneesieer FkeeFeeb

i)
ye[ewoe Gej eosMe eeceerCe yeQke

ii) ye[ewoe jepemLeeve #es$eere eeceerCe yeQke
iii) ye[ewoe iegpejele eeceerCe yeQke
iv) ye[ewoe Heeeesefveej Smes cesvespeceW keb. efue.
v) Fb[es peebefyeee yeQke efueefces[
vi) ye[ewoe Heeeesefveej ^mer keb. ee. efue.
(ie) mebege Gheece

i)
ii)
iii)
254
Fbef[ee Hem& ueeFHe FbMetjWme keb. efue.

Fbef[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.
Fbef[ee Fvee[sy efue.
Notes on Segment Reporting

1.
As per guidelines of RBI on compliance with Accounting

Standards AS-17, The Bank has adopted Treasury
Operations, Wholesale, Retail and Other Banking
Operations as Primary business segments and
Domestic and International as secondary / geographic
segments for the purpose of compliance with AS-17 on
segment Reporting issued by ICAI.
2. Segment revenue represents revenue from external

customers.
3.
In determining the segment results, the funds transfer

price mechanism followed by the bank has been used.
4.
Capital employed for each segment has been allocated

proportionate to the assets of the Segment.
5. Results, Revenue and Capital Employed of International

operations are included in other banking operations.
B-4. Related Party Disclosures (AS 18)
Names of the Related Parties and their relationship with
the Bank:
(a) Subsidiaries

(i)
BOB Capital Markets Limited
(ii)
BOB Cards Limited
(iii)
The Nainital Bank Limited
(iv)
Bank of Baroda (Botswana) Limited
(v)
Bank of Baroda (Kenya) Limited
(vi)
Bank of Baroda (Uganda) Limited
(vii) Bank of Baroda (Guyana) Inc.
(viii) Bank of Baroda (UK) Limited
(ix)
(x) Baroda Capital Markets (Uganda) Limited.

(Subsidiary of Bank of Baroda Uganda Ltd.)
(xi) BOB Trinidad & Tobago Ltd.
(xii) Bank of Baroda (Ghana) Ltd.
(xiii) Bank of Baroda (New Zealand) Ltd.
(b)
Bank of Baroda (Tanzania) Limited
Associates
(i)
Baroda Uttar Pradesh Gramin Bank
(ii)
Baroda Rajasthan Kshetriya Gramin Bank
(iii)
Baroda Gujarat Gramin Bank
(iv) Baroda Pioneer Asset Management Company

Limited
(v)
Indo Zambia Bank Limited
(vi)
Baroda Pioneer Trustee Company Private Limited
(c)
Joint Ventures
(i)
India First Life Insurance Company Ltd.
(ii)
(iii)
India Infradebt Limited

(d) Key Management Personnel:
(Ie) ecegKe eyebOeve DeefOekeejer

S.No
veece
heeefjeefceke Remuneration
eeuet Je<e&
efheuee Je<e&
heoveece
Name
2013-14
Designation

`
`
26,27,967
3,49,654
eer megYee<e efMeJejleve cetbo[e
keee&Heeueke efveosMeke (7 pegueeF& 2013 leke)
eer eerefveJeeme efhe.
Shri Subhash Sheoratan Mundra Chairman & Managing Director

2
7,67,625
12,22,208
20,10,521
12,00,790
eer jbpeve OeJeve
19,13,437
6,65,588
eer YegJeve eb peesMeer
keee&Heeueke efveosMeke (5 Deiemle 2013 mes eYeeJeer)
10,94,767

3
Shri Srinivas P.
4
Shri Ranjan Dhawan

5
Shri Bhuwan Chandra Joshi
Executive Director
Executive Director
Executive Director (w.e.f. 05th Aug 2013)
DeeF&meerSDeeF& eje peejer mebyebefOele heeea ef[mkeueespej kes S Sme-18 kes hewje 9 kes
cesvepej Deveg<ebefieeeW Deewj meneesieer yeQkeeW kes meeLe mebJeJenej kee ekeerkejCe veneR
efkeee ieee nw, pees jepe efveeefv$ele GheeceeW kees Deve mebyebefOele heeef&eeW kes meeLe
Deheves uesve-osveeW mes mebyebefOele efkemeer ekeej kee ekeerkejCe kejves mes jeskelee nw, pees
Yeer jepe efveebef$ele nw.
The transactions with the Subsidiaries and Associate Banks

have not been disclosed in view of para 9 of the (AS) -18
Related Party Disclosures issued by ICAI, which exempts
state controlled enterprises from making any disclosure
pertaining to transactions with other related state controlled
enterprises.
Ke-5. eefle Mesej Depe&ve (SSme-20)
B-5. Earning Per Share (AS-20)
efJeJejCe
Particulars
kej kes yeeo Meg ueeYe (`. kejes[ ceW)

MesejeW keer mebKee (Jess[)
eefle Mesej yegefveeeoer Je [eeuets[ Depe&ve
eefle Mesej Debefkele keercele
eeuet Je<e&
efheuee Je<e&
Net profit after tax (` in Crores)

4541.08
4,480.72
Number of Shares (weighted)
42,28,88,060
41,16,78,611
107.38
108.84
` 10.00
` 10.00
Basic & diluted earning per share

Nominal value per share
18 peveJejer 2014 kees Yeejle mejkeej kees Mesej peejer efkeS iees (Mesej DeeJebve
meefceefle kee mebkeuhe efoveebke 15 peveJejer 2014).
Issue of shares has been made on 18 th Jan, 2014 to

Government of India. (Resolution dated 15th Jan. 2014 of
Share Allotment Committee.)
Ke-6. Deee kej keer ieCevee (SSme-22)
B-6. Accounting for Taxes on Income (AS-22)

The Bank has complied with the requirements of AS
22 on Accounting for Taxes on Income issued by ICAI
and accordingly deferred tax assets and liabilities are
recognized. The net balance of deferred tax assets as on
31st March 2014 amounting to ` 791.84 Crores consists
of the following:
DeeF&meerSDeeF& eje peejer Deee Hej kej keer ieCevee nsleg SSme-22 keer pejleeW
kee yeQke ves Heeueve efkeee nw leLee leodvegmeej DeemLeefiele kej Deeefmleeeb leLee
oseleeSb efveOee&efjle keer ieF& nQ. 31 ceee&, 2014 kees DeemLeefiele kej oseleeDeeW
kee ves yewueWme `791.84 kejes[ nw, pees Fme ekeej nw :efJeJejCe
Particulars
31.03.2014
Deeefmleeeb
Deeue DeeefmleeeW hej Deeekej DeefOeefveece kes lenle Difference between book depreciation and
Depreciation under Income Tax Act on
yener cetueeme leLee cetueeme ceW Deblej
fixed assets
Deeekej DeefOeefveece, 1961 keer Oeeje 36(1)(viii) Deduction under section 36 (1) (viii) of the
Income-Tax Act, 1961
kes Devleie&le keewleer
heefjhekeJelee kes efueS Oeeefjle (SeerSce) eefleYetefleeeW Depreciation on HTM Securities

31.03.2013
oselee
Deeefmle
oselee
Asset
-
Liability
60.37
Asset
-
Liability
44.44
1128.91*
92.73
92.73
hej cetueeme
255
efJeJejCe
2013-14
Particulars
31.03.2014
Deeefmleeeb

31.03.2013
oselee
Asset Liability
3.20
Deeefmle
Asset
1.74
oselee
Liability
Deeekej DeefOeefveece keer Oeeje 40 (S) (DeeF&S) kes Amount disallowed U/S 40 (a) (ia) of the
IT Act
Devleie&le iewj Devegcele jeefMe
Provision for leave encashment
250.06
221.16
DeJekeeMe vekeoerkejCe kes efueS eeJeOeeve
Provision
for
doubtful
debts
and
236.89
3.08
mebefoiOe $e+CeeW leLee DeeqeceeW (efJeosMeer) kes efueS
advances (foreign)
eeJeOeeve
Total:
490.17 1,282.01
225.98
137.17
pees[
Net Deferred Tax Assets /(Liability)
(791.84)
88.81
Meg DeemLeefiele kej Deeefmleeeb/ (oseleeSb)
* hetJe& Deejef#ele efveefOeeeW ceW mes `818.90 kejes[ leLee ceewpetoe Je<e& kes ueeYe ceW mes * ` 818.90 crores out of past reserves and ` 310.01 crores out
of current year profit.
`310.01 kejes[
B-7. Discontinuing operations (AS-24)
Ke-7. Heefjeeueve yebo kejvee (SSme-24)
During the financial year 2013-14 the Bank has

efJeeere Je<e& 2013-14 kes oewjeve yeQke ves Deheveer efkemeer Yeer MeeKee kees
discontinued the operations of any of its branches, which
yebo kejves mebyebOeer keee&Jeener veneR keer nw, efpememes efke oseleeDeeW kees kece
resulted in shedding of liability and realization of the assets
kejkes DeeeqmleeeW keer Jemetueer keer pee mekes Deewj mebhetCe& yeQke mlej hej Deheves
and no decision has been finalized to discontinue an
operation in its entirety, which will have the above effect.
heefjeeueve ceW efkemeer keee&Jeener keer meceeeqhle, efpememes Ghejese heYeeJe he[s,
B-8. Impairment of Assets (AS-28)
mebyebOeer efveCe&e veneR efueee ieee nw.

In view of the absence of indication of material impairment
Ke-8. DeeefmleeeW kee Devepe&ke yevevee (SSme-28)
within the meaning of clause 5 to clause 13 of AS 28
Impairment of Assets, no impairment of fixed assets is

uesKee ceeveke-28 DeeefmleeeW kee FbhesejceW kes Keb[ 5 mes Keb[ 13 kes
required in respect of current financial year.
Debleie&le keesF& cenlJehetCe& GuuesKe ve nesves kes heuemJehe eeuet efJeeere Je<e& ceW
B-9. Provisions, Contingent Liabilities and Contingent Assets
Deeue mebheefe kee keesF& Yeer FbhesejceW pejer veneR nw.
(AS-29)
Ke-9. eeJeOeeve, Deekeefmceke oseleeSb leLee Deekeefmceke Deeefmleeeb (SSme-29)
B-9.1 Movement of provisions for Liabilities (excluding
provisions for others)
Ke-8.1 oseleeDeeW kes efueS eeJeOeeveeW kee mebeueve (Deve kes efueS eeJeOeeveeW
kees es[kej)
Particulars
efJeJejCe
eeuet Je<e&
efheuee Je<e&
Legal Cases / contingencies
Current Year
Previous Year
cegkeoceW / Deekeefmceke Keex
Balance as on 1st April 2013
44.51
10.01
1 Deewue 2013 kees Mes<e
Provided during the year
3.31
34.50
Je<e& kes oewjeve eoe
Balance as on 31st March 2014
47.82
44.51
31 ceee& 2014 kees Mes<e
Timing of outflow / uncertainties
mesueceW / efemueeFpesMeve hej DeeGHeuees
DeeGHeuees/DeefveefMeleleeDeeW kee mecee
Outflow on settlement/crystallization
* yeQke keer veerefle kes Devegmeej Ssmes oeJeeW efpevnW $e+Ce kes he ceW mJeerkeej veneR efkeee As per the policy of the Bank, provision for the claims, which has
not been acknowledged as debt has provided.
ieee nw (heeJeleer veneR oer ieF&) kee eeJeOeeve efkeee ieee nw.
Ke-9.2 Deekeefmceke oseleeSb

leguevehe$e kes Mes[etue 12 kes e.meb.(i) mes (vi) ceW G=le Ssmeer oseleeSb eceMe:
ceebieer ieF& jeefMe, mebefJeoe oselee MeleX mecye heeef&eeW keer ceebie Deoeuele kes
efveCe&e, hebe Hewmeues, Deoeuele kes yeee efvemleejCe, Deheerue kee efveheeje
hej efveYe&j kejleer nQ. Ssmes ceeceueeW ceW keesF& heeflehete|le Dehesef#ele veneR nw.
ie. uesKeeW Hej Deve efHHeefCeeeb
ie-1. yeefneeW kee efceueeve SJeb meceeOeeve

Deblej keeee&uee meceeeespeve kes Debleie&le uesKeeW kes efJeefYeVe Meer<eeX ceW veeces SJeb
pecee keer yekeeee heefJeeqeeW kes heejbefYeke efceueeve kee keee& meceeOeeve kes
heeespeve nsleg 31.03.2014 leke kej efueee ieee nw. FmeceW Gefele meceeOeeve
kee keee& heieefle hej nw.
ie-2. Hetbpeer
ke Je<e& kes oewjeve, yeQke ves efveosMeke ceb[ue kes Devegceesove mes mesyeer DeeF&meer[erDeej
efJeefveeceve kes efJeefveece 76(1) kes Devegmeej Yeejleere peerJeve yeercee efveiece kees
efheHejWefMeeue DeeOeej hej `10/- heleske kes 81,58,764 FeqkeJeer MesejeW kees
256
B-9..2 Contingent Liabilities

Such liabilities as mentioned at Serial No (I) to (VI) of
Schedule 12 of Balance Sheet are dependent upon the
outcome of court judgement / arbitration awards / out of
court settlement / disposal of appeals, the amount being
called up, terms of contractual obligations, development
and raising of demand by concerned parties respectively.
No reimbursement is expected in such cases.
C. Other Notes to Accounts
C-1. Balancing of Books and Reconciliation

Initial matching of debit and credit outstanding entries
in various heads of accounts included in Inter office
Adjustments has been completed upto 31.03.2014, the
reconciliation of which is in progress.
C-2. Capital
a During the year, the Bank has allotted 81,58,784 equity
shares of ` 10/- each at a cash premium of ` 664.12
per share (total issue price of ` 674.12 per share) to

`664.12 heefle Mesej kes heerefceece hej (kegue efveie&ce jeefMe `674.12 eefle Mesej
keer oj mes) Deeyebefle efkeS nQ. Fmekes HeuemJehe, yeQke kees `550.00 kejes[
keer kegue jeefMe hetbpeer kes he ceW heehle ngF&. Fme mebyebOe ceW mebkeuhe efoveebke 15
peveJejer 2014 kees Deeeesefpele DemeeOeejCe meeceeve yew"ke ceW efJeefOeJele mebkeuhe
Oeeefjle efkeee ieee.
Ke Je<e& kes oewjeve yeQke ves `1000 kejes[ kes eefle efveie&ce kes efnmeeye mes `2000
kejes[ kes yeeb[eW mes 2 efej hetbpeer mebeefnle keer.
ie-3. Hetbpeeriele Heejef#ele efveefOe

hetbpeeriele eejef#ele efveefOe ceW Deeue mebheefeeeW kes hegvece&tueebkeve kes heuemJehe
nesves Jeeueer cetueJe=ef leLee ueIeg / ceOece GeesieeW kes efueS efveee&le efJekeeme
heefjeespeveeDeeW nsleg efJee yeQke keer eespeveeDeeW kes Debleie&le Yeejle mejkeej keer
DebMeoeve jeefMe Meeefceue nw.
ie-4. efveJesMe
ie-4.1 Yeejleere efjp] eJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej Je<e& kes oewjeve yeQke ves efyeeer
kes efueS GheueyOe esCeer ceW efJeeceeve mejkeejer heelf eYetelf eeeW (SmeSueDeej) kes
Ske Yeeie kees heefjhekeJelee leke Oeeefjle esCeer ceW Debleefjle kej efoee nw.
`18.97 kejes[ heS (iele Je<e& 20.69 kejes[ heS) kes heefjCeeceer cetueeme
kees ueeYe SJeb neefve uesKes ceW heYeeefjle kej efoee ieee nw.
ie-4.2 heefjhekeJelee leke Oeeefjle esCeer kes lenle jKes iees efveJesMe keer efyeeer
hej ueeYe jeefMe `17.55 kejes[ kees ueeYe SJeb neefve Keeles ceW efueee ieee
nw Deewj Gmekes yeeo `8.69 kejes[ kees hetbpeeriele heejef#ele efveefOe ceW kejeW
kees Meg ceW meceeeesefpele efkeee ieee nw
ie-5. kejeW kes efueS HeeJeOeeve

ie-5.1 kejeW nsleg HeeJeOeeve, DeHeerueere HeeefOekeeefjeeW kes efveCe&eeW kees Oeeve ceW
jKeles ngS Je DeefOeJekelee kes HejeceMe& mes efkeee ieee nw.
ie-5.2. Deve Deeeqmleeeb Meer<e&ke kes Debleie&le oMee&eer Deefiece kej Deoeeieer
eesle hej kej keer keewleer jeefMe ceW efJeJeeoemheo kej ceebieeW kes mebyebOe
ceW yeQke eje Yegieleeve keer ieF& / efJeYeeie eje meceeeesefpele jeefMe
`4826.09 kejes[ (efheues Je<e& ` 3,374.52 kejes[) Meeefceue nw. Deeekej
keer efJeJeeoemheo ceebieeW kes efueS veeefeke efveCe&eeW Deewj / ee keevetveer hejeceMe&
DeefOekeejer keer jee kees Oeeve ceW jKeles ngS Fme ceo kes efueS keesF& heeJeOeeve
veneR efkeee ieee nw. kej efveOee&jCe DeefOekeejer eje efkees iees heefjJele&ve /
ceveener yeveees jKeves ueeeke veneR nw.
ie-5.3 yeQke ves Deeekej DeefOeefveece 1961 keer Oeeje 36(1)(yeQke ves Deeekej
DeefOeefveece 1961 keer Oeeje 36(1)(viii) kes Debleie&le hee$e JeJemeee kes mebyebOe
ceW, pees Ge Oeeje ces efJeefvee|o nw, keewleer nsleg oeJee efkeee nw. leovegmeej
efJeeere Je<e& 2013-14 kes oewjeve ` 912.06 kejes[ (efheues Je<e& ` 850.00
kejes[)efJeMes<e heejef#ele efveefOe Keeles ceW Devleefjle kej efoS nw. leLee Fmes Deve
heejef#ele efveefOe kes Debleie&le efjhees& efoee peelee nw.
ie-5.4 Yeejleer e ef j peJe& yeQ k e kes heef j he$eeb k e [er y eer D ees [ er . veb . yeer h eer .
yeermeer.77/21.04.018/2013-14 efoveebke 20 efomecyej 2013 keer Devegheeuevee
ceW yeQke ves Deeekej DeefOeefveece 1961 keer Oeeje 36(1)(viii) kes Devleie&le
efJeMes<e Deejef#ele efveefOeeeW hej DeemLeefiele kej oselee ([ererSue) me=efpele keer
nQ. Yeejleere efjpeJe& yeQke kes heefjhe$e keer Dehes#eeDeeW kes Deveghe 31 ceee&
2013 kees efJeMes<e Deejef#ele efveefOeeeW kes efueS efkeS ieS DeemLeeefiele kej
oselee ([ererSue) eeJeOeeve keer jeefMe 818.90 kejes[ efpemes hetJe& ceW ueeYe neefve
Keeles kees eYeeefjle veneR efkeee ieee Lee kees Deye Deejef#ele efveefOeeeW mes meerOes
meceeeesefpele kej efoee ieee nw. eefo Fme jeefMe kees Yeejle ceW meeceevele:
mJeerkeee& uesKee efmeeleeW kes Deveghe ueeYe neefve Keeles kees eYeeefjle efkeee
peelee lees Je<e& kes efueS ueeYe keer jeefMe Fleveer ner jeefMe mes kece nesleer.

Ghejese kes DeueeJee yeQke ves eeuet efJeeere Je<e& kes oewjeve efJeMes<e Deejef#ele efveefOe
ceW Debleefjle jeefMe mes ceewpetoe Je<e& kes ueeYe hej Deefpe&le jeefMe mes DeemLeefiele kej
oselee ([ererSue) jeefMe me=efpele keer nw.
2013-14
Government of India as determined by the Board in

accordance with regulation 76 (1) of SEBI Issue of Capital
and Disclosures Requirements Regulation on preferential
basis. The total amount of capital received by the Bank on
this account is ` 550.00 Crores. The resolution in this regard
was duly passed in Extra Ordinary General Meeting held
on 15th January 2014.
b During the year, the Bank has also raised tier 2 capital via
bond of ` 2000 crores in two trenches of ` 1000 crores each.
C-3. Capital Reserves

Capital Reserve includes appreciation arising on revaluation
of immovable properties and amount subscribed by
Government of India under the World Banks Scheme for
Export Development Projects for small / medium scale
industries.
C-4. Investments
C-4.1 In terms of RBI Guidelines, the bank has transferred a
portion of Government Securities (SLR) kept in Available
for Sale category to Held to Maturity category during
the year. The resultant depreciation of ` 18.97 Crores
(previous year ` 20.69 Crores) has been charged to the
Profit & Loss Account.
C-4.2 Profit on sale of investments held under Held to maturity
category amounting to ` 17.55 Crores, which has been
taken to profit and loss account initially and thereafter an
amount of ` 8.69 crores net of tax has been appropriated
to the capital reserve.
C-5 Provision for Taxes
C-5.1 Provision for Taxes has been arrived at after due
consideration of decisions of the appellate authorities and
advice of counsels.
C-5.2 Tax paid in advance /tax deducted at source appearing
under Other Assets amounting to ` 4826.09 Crores
(previous year ` 3374.52 Crores) represents amount
adjusted by the Department / paid by the Bank in respect
of disputed tax demands for various assessment years.
No provision is considered necessary in respect of the
said demands, as in the banks view, duly supported
by counsels opinion and / or judicial pronouncements,
additions / disallowances made by the Assessing Officer
are not sustainable.
C-5.3 The Bank has claimed deduction under section 36(1) (viii) of
the Income-tax Act,1961 in respect of the eligible business
as specified in the said section and has accordingly
transferred a sum of ` 912.06 Crores (previous year ` 850
crores) to the corresponding Special Reserve account
during the financial year 2013-14 and reported under Other
Reserve.
C-5.4 Pursuant to Reserve Bank of India (RBI) circular no. DBOD.
no.BP.BC.77/21.04.018/2013-14 dated 20th December
2013, the Bank has created deferred tax liability (DTL) on
the Special Reserve under section 36(1)(viii) of the Income
Tax Act, 1961. As required by the said RBI Circular, the
amount of ` 818.90 crores being the provision of DTL on
Special Reserve as at March 31, 2013, not previously
charged to Profit and Loss Account, has now been adjusted
directly from Reserves. Had this amount been charged to
the Profit and Loss Account in accordance with generally
accepted accounting principles in India, the amount of Profit
for the year would have been lower by such amount.

Further to above, the bank has crated DTL of ` 310.01
crores out of current year profit on amount transferred to
special reserve during the current financial year.
257
2013-14
ie-6 eefleYeteflekejCe
Je<e& kes oewjeve yeQke ves Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Deveghe
iewj efve<heeoke DeeefmleeeW keer efpevekee kegue yener cetue `253.64 kejes[ Lee
(yekeeee jeefMe ceW mes eeJeOeeve jeefMe kece kejles ngS) kees vekeoer leLee eefleYetefle
jmeero kes DeeOeej hej efJeeer kej oer nw~ yeQke ves eefleYetefle jmeeroeW ceW `494.57
kejes[ keer jeefMe efveJesMe keer nw leLee eefleYetefle jefmeoeW ceW efJeeere DeeefmleeeW
kees Meg yener cetue hej cetueebefkele efkeee ieee nw. Fve eefleYetefle jmeeroeW kees
iewj-mebefJeefOeke eueefveefOe Devegheele efveJesMe kes he ceW ceevee ieee nw.
ie-7. Heefjmej
ie-7.1 yeQke keer kegue `65.30 kejes[ (cetue ueeiele) (efheues Je<e& ` 65.30 kejes[ )
keer keg mebheefeeeW kes mebyebOe ceW nmleeblejCe efJeuesKe kee efve<heeove nesvee yeekeer nw.
ie-7.2 yeQke keer keg mebheefeeeW keer hegvecet&ueebefkele jeefMe kee GuuesKe efkeee ieee nw.
Je<e& kes Deble ceW heefjmej Meer<e& kes Debleie&le kegue `1782.73 kejes[ (efheues Je<e&
` 1,778.33 kejes[), efJeosMeer keeee&ueeeW kees `35.85 kejes[ (efheues Je<e&
` 31.45 kejes[) keer jeefMe meefnle hegvecet&ueebefkele jeefMe kees Meeefceue efkeee
ieee nQ. Meg cetueeme kes mebyebOe ceW hegvecet&ueebefkele jeefMe ` 1052.61 kejes[
(efheues Je<e& `1,104.26 kejes[) nQ.
ie-7.3 heefjmej kes Debleie&le efvecee&CeeOeerve / keypes ceW ueer peevesJeeueer `1154.58 kejes[
(efheues Je<e& ` 98.73 kejes[) keer mebheefeeeb Meeefceue nQ.
ie-8. yee@ye efHemekeue mee|Jemespe efueefces[ (yee@ye SHeSmeSue), hetJe& ceW hetCe& he mes yeQke Dee@H] e
ye[ewoe keer Deveg<ebieer eje 24.09.1990 kees kebheveer kees mJeweq ke he mes meceehle
kejves kee efJeMes<e mebkeuhe heeefjle efkeee ieee Deewj Gmekes efueS Ske heefjmeceeheke
keer efveegef e kej oer ieeer.
yee@ye efHemekeue mee|Jemespe efueefces[ ves yeQke Dee@]He ye[ewoe kes meeLe Ske
mecePeewlee efkeee efpemekes lenle efoveebke 28.02.1991 mes yee@ye SHeSmeSue
keer mebhetCe& Deeeqmleeeb SJeb oseleeSb Gmekes hetCe& JeJemeee kes meceeheve kes
HeuemJehe Ske ieesFbie kebmeve&/efyeeer kes he ceW yeQke Dee@]He ye[ewoe kees
mLeeveebleefjle kej efoS ieS. etbefke kebheveer efJeeejeOeerve keevetveer ceeceues kes
keejCe hetCe& he mes heefjmeceehle veneR keer pee mekeleer Leer Dele: efoveebke
30 ceee& 2007 kees yee@ye SHeSmeSue keer Jeee|<eke meeceeve yew"ke ceW
yee@ye SHeSmeSue kees yeQke Dee@]He ye[ewoe ceW Meeefceue kejves kee efveCe&e efueee ieee.

efveosMeke ceb[ue eje yeQke Dee@H] e ye[ewoe kes meeLe cewmeme& yee@ye efHemekeue mee|Jemesme efue.
kes meceecesueve kees yeQke keer efoveebke 28.01.2009 kees Deeeesepf ele yes"ke ceW Devegceeseof le
efkeee ieee Deewj Ge veeeeuee kes meccegKe yee@ye kes meeLe yee@ye SHeSmeSue
meceecesueve nsleg DeeJeMeke eeefekee ope& kejves kes efueS eyebOeve kees heeefOeke=le efkeee.
ie-9 yeQke ves Yeejleere efj]peJe& yeQke kes he$e meb.etyeer[er.meerDees.SceF&DeejDeesF&Deej
veb.7814/09.16.901/2010.11 efo. 4 ceee&, 2011 ceW efoS ieS Devegceesove
kes Devegmeej cesceve kees-Dee@hejsefJe yeQke efueefces[ keer efJeefvee|o DeeeqmleeeW
SJeb oseleeDeeW kee DeefOeienCe efoveebke 18.04.2011 kees efkeee. Fmekes
DeueeJee Yeejleere efjpeJe& yeQke ves Deheves he$eebke [eryeerDees[er veb. yeerheer.
1311/21.04.048/2010-11 efoveebke 25 pegueeF& 2011 kes eje yeQke kes efJeeere
Je<e& 2011-12 mes eejcYe efJeeere Je<e& mes DeefOekelece leerve Je<e& keer DeJeefOe keer
efveefo
& DeeefmleeeW SJeb oseleeDeeW kes DevlejCe mes nesves Jeeues Meg Iees/keceer kees
heefjMeeseOf ele/egkeewleer keer Devegceefle os oer nw~ efheues Je<e& mes `62.60 kejes[ keer
jeefMe kees Deeies ues peeee ieee efpemes yeQke eje efJeeere Je<e& 2013-14 kes oewjeve
ueeYe neefve Keeles kees eYeeefjle efkeee ieee. Fme ekeej Deye mechetCe& Iees kees ueeYe
neefve Keeles kees eYeeefjle kej efoee ieee nw.
ie-10 veJecyej 2012 kes eYeeJeer emleeefJele Jesleve mebMeesOeve mecePeewles kes heWef[ie eueles
31 ceee& 2014 kees ` 425 kejes[ jeefMe kee leoMe& eeJeOeeve efkeee ieee nw.
leLee Je<e& kes oewjeve yeQke ves ` 300 kejes[ keer jeefMe kee eeJeOeeve efkeee nw.
eyebOeve keer jee ceW en eeJeOeeve jeefMe heee&hle nw.
ie-11 yeQke ves efmekeeesj[ meye mW[[& DeefeceeW kes efueS 15% keer efJeefveeeceke
Dehes#eeDeeW keer leguevee ceW 20% keer oj mes eeJeOeeve efkeee nw.
ie-12 ceewpetoe DeJeefOe/Je<e& kes JeieeakejCe kes leoveghe, peneb keneR DeeJeMekelee nw,
efheueer DeJeefOe/Je<e& kes Deebke[eW kees hegve mecetnerke=le/hegveJeJeefmLele efkeee ieee nw.
258
C-6 Securitisation

During the year bank has sold Non performing financial

assets with Net Book Value of ` 253.64 crores (Outstanding
less Provisions) to Asset Reconstruction companies on
cash and security receipt basis in accordance with RBI
guidelines. The bank has made investment of ` 494.57
crores in security receipts and the security receipts have
been valued at Net Book Value of the financial assets. The
security receipts are treated as Non SLR investments.
C-7. Premises
C-7.1 Execution of conveyance deeds is pending in respect of certain
properties amounting to ` 65.30 Crores (Previous Year ` 65.30
Crores) (Original Cost).
C-7.2 Certain properties of the Bank are stated at revalued amounts.
The gross amount of revaluation included in cost of premises
as at end of the year is ` 1,782.73 Crores (previous year
` 1,778.33 crores) including ` 35.85 Crores at overseas offices
(previous year ` 31.45 crores). The revalued amount net of
depreciation is ` 1,052.61 Crores (Previous Year ` 1,104.26
Crores).
C-7.3 Premises include assets under construction/acquisition
amounting to ` 154.58 Crores (Previous Year ` 98.73 Crores).
C-8 BOB Fiscal Services Limited (BOBFSL), erstwhile wholly
owned subsidiary of Bank of Baroda (BOB), had passed a
special resolution for voluntary winding up of the Company on
24.09.1990 and the Liquidator was appointed for the same.

BOBFSL had entered into an agreement with BOB pursuant to

which entire assets and liabilities of BOBFSL were transferred
to BOB as a going concern / as sale in liquidation of the entire
business w.e.f. 28.2.1991. As the Company could not be
liquidated due to pending legal cases, a decision to merge
BOBFSL with BOB was taken in the Annual General Meeting
of BOBFSL held on 30th March 2007.
The Board of Directors of BOB has approved the merger of

BOBFSL with BOB in its Board meeting on 28.01.2009 and
authorized the Management to file necessary petition for
merger of BOBFSL with BOB before the Bombay High Court.
C-9 The Bank has taken over specified Assets & Liabilities of
The Memon Co-operative Bank Ltd on 18th April, 2011 as per
approval granted by RBI vide letter no. UBD.CO.MEROER
No. 7814/09.16.901/2010.11 dated 04th March 2011. Further,
RBI vide letter no. DBOD.No.BP.1311/21.04.048/2010-11
dated 25th July, 2011 permitted bank to amortize the net deficit
arising out of Transfer of Specific Assets and Liabilities over a
period of not exceeding three years starting from financial year
2011-12. An amount of ` 62.20 crores was brought forward
from previous year, which bank has charged to profit and loss
account during the FY 2013-14. Now, the deficit stands fully
charged to profit & loss Account.
C-10 Pending settlement of the proposed wage revision effective
from November 2012, an adhoc provision of. ` 425 crores is
held as at 31st March 2014 and during the year bank has made
a provision of ` 300 crores. Management is of the opinion that
the said provision is adequate.
C-11 The Bank has made provision @ 20% on the Secured Substandard Advance as against the Regulatory requirement of
15%.
C-12 Figures of previous year have been regrouped/ rearranged
wherever considered necessary to conform to current years
presentation.
2013-14
31 ceee& 2014 kees meceehle Je<e& kes efueS vekeoer eJeen efJeJejCe
Statement of Cash Flow for the year ended 31st March, 2014
(` in 000's
31 ceee& 2014
kees meceeHle Je<e&
31 ceee& 2013
kees meceeHle Je<e&
5497,31,47
4831,22,96
Year ended
31.03.2014
ke. Heefjeeueve keee&keueeHeebs mes vekeoer HeJeen :
A.
Devebefkele omitted)
Year ended
31.03.2013
Cash flow from operating activities:
kej mes HetJe& Meg ueeYe
Net Profit before taxes
efvecveefueefKele kes efueS meceeeespeve :
Adjustments for:
Deeue DeeefmleeeW Hej cetueeme
Depreciation on fixed assets
345,02,53
300,63,71
efveJesMeeW Hej cetueeme

(HeefjHekeJe $e+CeHe$eeW meefnle)
Depreciation on investments
(including on Matured debentures)
198,59,41
225,45,52
yes Keeles [eues ieS DeMeesOe $e+Ce /

iewj efve<Heeoke DeeefmleeeW kes efueS HeeJeOeeve
Bad debts written-off/Provision in

respect of non-performing assets
2967,72,29
3449,44,24
ceeveke DeeefmleeeW kes efueS HeeJeOeeve
Provision for Standard Assets
535,04,42
393,80,02
Deve ceoeW kes efueS HeeJeOeeve (efveJeue)
Provision for Other items (Net)
92,34,89
99,22,65
Deeue DeeefmleeeW keer efyeeer mes ueeYe/(neefve)

(efveJeue)
Profit/(loss) on sale of fixed assets

(Net)
(19,07)
79,63
ieewCe $e+CeeW Hej yeepe nsleg Yegieleeve/HeeJeOeeve,

(Deueie mes ef}ee ieee)
Payment/provision for interest on

subordinated debt (treated separately)
1001,58,88
930,27,55
Deveg<ebieer FkeeFeeW/Deve mes HeeHle ueeYeebMe

(Deueie mes ef}ee ieee)
Dividend received from subsidiaries/

others (treated separately)
(40,73,73)
(38,32,24)
GHe-pees[
Sub total
10596,71,09
10192,54,04
efvecveefueefKele kes ef}S meceeeespeve :
Adjustments for:
efveJesMeeW ceW (Je=ef) /keceer
(Increase)/Decrease in investments
5122,42,17
(38081,04,24)
DeefieceeW ceW (Je=ef) /keceer
(Increase)/Decrease in advances
(71787,76,88)
(44257,91,38)
Deve DeeefmleeeW ceW (Je=ef) /keceer
(increase)/Decrease in other assets
(1618,52,46)
1902,20,89
GOeej jeefMeeeW ceW Je=ef /(keceer)
Increase/(Decrease)in borrowings
3571,13,80
2903,93,06
pecee jeefMeeeW ceW Je=ef / (keceer)
Increase/(Decrease) in deposits
95011,05,10
89012,23,16
Deve oseleeDeeW leLee HeeJeOeeveesb ceW Je=ef /(keceer)
Increase/(Decrease) in other liabilities

and provisions
2529,15,05
2853,04,48
Heoe Hele#e kej (efjHeb[ keer efveJeue jeefMe)
Direct taxes paid (Net of Refund)
(2407,80,27)
(1731,91,90)
Heefjeeueve keee&keueeHeeW mes Meg vekeoer (ke)
Net cash from operating activities (A)
41016,37,60
22793,08,11
259
2013-14
(` in 000's
31 ceee& 2014
kees meceeHle Je<e&
31 ceee& 2013
kees meceeHle Je<e&
(726,78,39)
(518,01,79)
37,29,62
35,98,05
Year ended
31.03.2014
Ke. efveJesMe mebyebOeer keee&keueeHeeWW mes vekeoer HeJeen
B.
Year ended
31.03.2013
Cash flow from investing activities:
Deeue DeeefmleeeW keer Kejero / DeblejCe
Purchase/ Transfer in of fixed assets
Deeue DeeefmleeeW keer efyeeer / DeblejCe
Sales/ Transfer out of fixed assets
JeeHeej mebyebOeer efveJesMeeW ceW HeefjJele&ve

(Deveg<ebieer SJeb Deve)
Deveg<ebieer FkeeFeeW/DeveeW mes HeeHle }eYeebMe
Changes in Trade related investments

(Subsidiaries & others)
(39,95,28)
(328,73,71)
Dividend received from subsidiaries/

others
Net cash used in investing activities (B)
40,73,73
38,32,24
(688,70,32)
(772,45,21)
8,15,88
10,13,29
541,84,12
839,86,71
6662,54,90
102,30,00
efveJesMe mebyebOeer keee&keueeHeeW mes Meg vekeoer (Ke)
ie. efJeeHees<eCe mebyebOeer ieefleefJeefOeeeW mes vekeoer HeJeen : C.
Cash flow from financing activities:
Mesej hetBpeer
Share Capital
Mesej Heerefceece
Share premium
iewj peceeveleer ieewCe yeeb[
Unsecured Subordinated Bonds
ueeYeebMe kej meefnle eoe ueeYeebMe
Dividend paid including dividend tax
(1059,62,50)
(812,29,04)
iewj peceeveleer ieewCe yeeb[eW

hej eoe / ose yeepe
efJeeHees<eCe ieefleefJeefOeeeW mes Meg vekeoer (ie)
Interest paid / payable on unsecured

subordinated bonds
(1001,58,88)
(930,27,55)
5151,33,52
(790,26,59)
vekeoer SJeb vekeoer mecelegue

ceW Meg Je=ef (ke)+(Ke)+(ie)
Je<e& kes eejbYe ceW vekeoer Je vekeoer mecelegue
Net increase in cash & cash

equivalents (A)+(B)+(C)
45479,00,80
21230,36,31
Cash and cash equivalents as at the

Cash and cash equivalents as at the
end of the year
Notes:
85398,90,43
64168,54,12
130877,91,23
85398,90,43
Je<e& kes Deble ceW vekeoer Je vekeoer mecelegue

efhheCeer:
Net cash from financing activities (C)
1.
1.
vekeoer leLee vekeoer mecelegue ceW neLe ceW vekeoer,
Yeejleere efj]peJe& yeQke SJeb Deve yeQke kes heeme yewuesvme
Deewj ceebie SJeb Deuhe metevee hej Oeve meceeefJe nw.
2.
vekeoer leLee vekeoer mecelegue kes Ieke

vekeoer SJeb Yeejleere efj]peJe& yeQke kes heeme yewueWme
yeQkeeW kes heeme yewueWme Deewj ceebie SJeb Deuhe metevee
hej Oeve
kegue
260
Devebefkele omitted)
2.
Cash & Cash equivalents includes

Cash on hand, Balance with RBI &
Other banks and Money at call and
Short Notice.
Components of Cash & Cash
Equivalents
Cash & Balance with RBI
As on
As on
31st March 2014 31st March 2013
18629,09,39
13452,07,83
Balances with Banks and Money at Call

and Short Notice
112248,81,84
71946,82,60
Total
130877,91,23
85398,90,43
2013-14
efJeeere efJeJejefCeeeW hej uesKee hejer#ekeeW keer efjhees&
Auditors Report on the Financial Statements

mesJee ceW,
To,
yeQke Dee@]He ye[ewoe kes MesejOeejke
The Shareholders of Bank of Baroda
1. nceves yeQke Dee@]He ye[ewoe keer 31 ceee& 2014 keer efJeeere efJeJejefCeeeb efpeveceW 31
ceee& 2014 kee legueve-he$e leLee Gmekes meeLe mebueive Ge efoveebke kees meceehle
Je<e& kes ueeYe-neefve uesKes vekeo heJeen efJeJejCe Deewj GuuesKeveere uesKeebkeve
veerefleeeW kee meejebMe Meeefceue nw, keer uesKee hejer#ee keer nw efpemeceW nceejs eje
uesKee-hejeref#ele 20 MeeKeeSb, leLee Ske efJeefMe Skeerke=le ^spejer MeeKee uesKeehejer#ekeeW eje uesKee-hejeref#ele 2080 MeeKeeSb Deewj mLeeveere uesKee-hejer#ekeeW
eje uesKee- hejeref#ele 53 efJeosMeer MeeKeeDeeW keer efJeJejefCeeeb Meeefceue nQ. nceejs
eje Deewj Deve uesKee-hejer#ekeeW eje uesKee-hejer#ee keer ieF& MeeKeeDeeW kee
egveeJe yeQke ves Yeejleere efjpeJe& yeQke eje peejer efoMee-efveoxMeeW kes Devegmeej
efkeee nw. legueve he$e leLee ueeYe-neefve Keeles ceW 2773 MeeKeeDeeW keer efJeJejefCeeeb
Yeer Meeefceue keer ieF& nQ, efpevekeer uesKee-hejer#ee veneR keer ieeer nw. es DeuesKeehejeref#ele MeeKeeSb 5.72 heefleMele Deefiece, 12.00 heefleMele peceejeefMeeeb,
5.07 heefleMele yeepe-Deee Deewj 12.23 heefleMele yeepe-Jee mes mebyebefOele nw.
1. We have audited the accompanying financial statements of

Bank of Baroda as on 31st March, 2014, which comprise the
Balance Sheet as on 31st March, 2014, and Profit and Loss
Account and the Cash Flow Statement for the year then
ended, and a summary of significant accounting policies and
other explanatory information. Incorporated in these financial
statements are the returns of 20 branches and one Specialized
Integrated Treasury Branch audited by us, 2080 branches
audited by branch auditors and 53 foreign branches audited by
local auditors. The branches audited by us and those audited by
other auditors have been selected by the Bank in accordance
with the guidelines issued to the Bank by the Reserve Bank
of India. Also incorporated in the Balance Sheet and the Profit
and Loss Account are the returns from 2773 branches which
have not been subjected to audit. These unaudited branches
account for 5.72 per cent of advances, 12.00 per cent of
deposits, 5.07 per cent of interest income and 12.23 per cent
of interest expenses.
efJeeere efJeJejefCeeeW kes efueS eyebOeve kee oeefelJe

2. yeQefkebie efJeefveeceve DeefOeefveece 1949, Yeejleere efjpeJe& yeQke eje mecee mecee
Hej peejer efoMee efveoxMeeW leLee Yeejle ceW mJeerkeee& meeceeve uesKee hejer#ee
ceeveoC[eW kes Deveghe Fve efJeeere efJeJejefCeeeW kees leweej kejves kes efueS eyebOeve
efpeccesoej nw. Fme oeefelJe ceW efJeeere efJeJejefCeeeW kees leweej kejves nsleg Deebleefjke
efveeb$eCe, keeee&vJeeve SJeb hejsKee meefcceefuele nw Deewj FveceW, peeuemeepeer ee
Yetue keer Jepen mes keesF& GuuesKeveere ieueleer veneR nw.
uesKee hejer#ekeeW kee oeefelJe
3. nceeje oeefelJe Deheveer uesKee hejer#ee hej DeeOeeefjle Fve efJeeere efJeJejefCeeeW hej
Deheveer jee Jee kejvee nw. nceves Yeejleere meveoer uesKeekeej mebmLeeve eje
peejer uesKee hejer#ee ceevekeeW kes Devegmeej uesKee hejer#ee keer nw. Fve ceevekeeW keer
Dehes#ee nw efke nce veweflekelee kee efveJee&n kejles ngS uesKee hejer#ee keee&
megefveeesefpele SJeb megJeJeefmLele he ceW Fme ekeej mecheVe kejW efke nceW en
leeefke&ke DeeMJeemeve efceues efke es efJeeere efJeJejefCeeeb efkemeer Yeer ekeej keer
GuuesKeveere / ecegKe ieueefleeeW mes cege nw.
4. uesKee hejer#ee ceW jeefMeeeW kes mee#eeW SJeb ekeerkejCe keer peebe nsleg efJeeere efJeJejefCeeeW
ceW oer ieF& efve<heeove eefeee kes Deveghe keee&Jeener Meeefceue nw. eeefvele eefeee
(efJeefOe) uesKee hejer#eke kes efJeJeske hej efveYe&j nw, FmeceW efJeeere efJeJejefCeeeW ceW
GuuesKeveere ieueefleeeW kes peeseKf ece Yeues ner Jen peeuemeepeer ee Yetue keer Jepen mes neW,
kee cetueebkeve / Deekeueve kejvee Meeefceue nw. Fve peeseKf eceeW kee cetueebkeve kejles
mecee uesKee hejer#eke Fve efJeeere efJeJejefCeeeW keer Gheege emlegelf e nsleg FkeeF& kes
mecye Deebleefjke efveeb$eCeeW kee DeJeueeskeve kejlee nw uesekf eve mebmLee kes Deebleefjke
efveeb$eCe keer meeLe&kelee hej jee osves kes efueS veneR, leeefke heefjefmLeefle Devegmeej Gheege
Managements Responsibility for the Financial Statements

2. Management is responsible for the preparation of these
financial statements in accordance with the Banking Regulation
Act 1949, Reserve Bank of India guidelines from time to
time and accounting standards generally accepted in India.
This responsibility includes the design, implementation and
maintenance of internal control relevant to the preparation of the
financial statements that are free from material misstatement,
whether due to fraud or error.
Auditors Responsibility
3. Our responsibility is to express an opinion on these financial
statements based on our audit. We conducted our audit in
accordance with the Standards on Auditing issued by the
Institute of Chartered Accountants of India. Those standards
require that we comply with ethical requirements and plan and
perform the audit to obtain reasonable assurance about whether
the financial statements are free from material misstatements.
4. An audit involves performing procedures to obtain audit evidence
about the amounts and disclosures in the financial statements.
The procedures selected depend on the auditors judgment,
including the assessment of the risks of material misstatement of
the financial statements, whether due to fraud or error. In making
those risk assessments, the auditor considers internal control
relevant to the entitys preparation and fair presentation of the
financial statements in order to design audit procedures that
are appropriate in the circumstances, but not for the purpose of
261
2013-14
uesKee hejer#ee eefeee efveOee&efjle keer pee mekes. uesKee hejer#ee ceW eyebOeve eje
efkeS ieS cenlJehetCe& Devegceeve leLee eege uesKeebkeve veerefleeeW keer Gheegelee kee
cetueebkeve Deewj efJeeere efJeJejefCeeeW keer mecee emlegefle kee Deekeueve meefcceefuele
nw.
expressing an opinion on effectiveness of the entitys internal

control. An audit also includes evaluating the appropriateness
of accounting policies used and the reasonableness of the
accounting estimates made by management, as well as
evaluating the overall presentation of the financial statements.
5. nceeje efJeMJeeme nw efke nceves pees uesKee hejer#ee mee#e eehle efkeee nQ, Jen nceejer
uesKee hejer#ee jee emlegle kejves kes efueS Gheege SJeb heee&hle nQ.
5. We believe that the audit evidence we have obtained is sufficient

and appropriate to provide a basis for our audit opinion.
6. cenlJeHetCe& efJe<ee
6. Emphasis of Matter
DeHeveer jee osves mes Henues nce efvecveefueefKele keer Deesj Oeeve Deekeef<e&le kejles nQ:
a) Note No. B-2.3.3 of Schedule-18 to the financial statements,

which describes deferment of pension liability of the Bank
to the extent of Rs. 365.98 Crores as on 31st March, 2014
pursuant to the exemption granted by the Reserve Bank of
India (RBI) to the public sector banks from application of the
provisions of Accounting Standard 15 (Revised), Employee
Benefits issued by Institute of Chartered Accountants of
India, vide its circular no. DBOD. BP.BC/80/21.04.018/
2010-11 dated February 9, 2011, on Re-opening of Pension
Option to Employees of Public Sector Banks.
ke) efJelleere efJeJejCe keer Devegmeteer 18 kes vees eceebke Ke-2.3.3 efpemeceW
Yeejleere efjpeJe& yeQke (Yee.efj.yeQke) ves meeJe&peefveke #es$e kes yeQke kes
kece&eeefjeeW kes efueS oer ieF& t kes meboYe& ceW Fefvmet Dee@He ee&[
SkeeGbme Dee@He Fbef[ee eje peejer HeefjHe$eebke [eryeerDees[er.yeerHeer yeermeer/80
/21.04.018/ 2010-11 efoveebke 9 HejJejer, 2011 kes DevegHe uesKeebkeve
ceeveke 15 (mebMeesefOele) kes eeJeOeeveeW ves Fmekes Debleie&le 31 ceee& 2014 kees
`365.98 kejes[ keer jeefMe DeemLeefiele keer nw.
Ke) efJeeere efJeJejCe keer Devegmeteer 18 kes vees mebKee meer-5.4 keer Deesj Deekeef<e&le
kejles nQ efpemeceW Yeejleere efjpeJe& yeQke kes heefjhe$e mebKee [eryeerDees[er. e.
yeerheer. yeermeer.77/21.04.018/2013-14 efoveebke 20 efomecyej 2013 kes
Devegmeej Deeekej DeefOeefveece 1961 keer Oeeje 36 (1)(viii) kes Devleie&le
31 ceee& 2013 leke efJeMes<e eejef#ele efveefOeeeW kes oeJes kes efueS eoe
DeemLeeefiele kej oselee kes uesKeebkeve eefleheeefole kejves kee GuuesKe efkeee
ieee nw.
7. jee

nceejer jee ceW, yeQke keer yeefneeW ceW oMee&S ieS Devegmeej leLee nceejer DeefOekelece
peevekeejer Deewj nceW efoS ieS mheerkejCeeW kes Devegmeej :
i vees kes meeLe Heef"le en legueve-He$e HetCe& Deewj mener nw, efpemeceW DeeJeMeke
efJeJejCe efoS ieS nQ Deewj Fmes eLeesefele {bie mes yeveeee ieee nQ, efpememes
efke, Yeejle ceW meeceevele: mJeerkeee& uesKeebkeve efmeebleeW kes meceHe vees kes
meeLe Heef"le yeQke kes 31 ceee&, 2014 kes efeeekeueeHeeW kee mener SJeb eLeeeesie
efe$e meeceves Dee mekes.
Without qualifying our opinion, we draw our attention to:
b) Note No. C-5.4 of Schedule-18 to the financial statements,

which describes the accounting treatment of the amount of
Deferred Tax Liability provided for on the claim of Special
Reserve under section 36(1)(viii) of the Income Tax Act,
1961 up to 31st March 2013, pursuant to RBIs Circular
No. DBOD. No. BP.BC.77/21.04.018/2013-14 dated 20th
December 2013.
7. Opinion

In our opinion, as shown by books of bank and to the best of

our information and according to the explanations given to us:
i. The Balance sheet, read with the notes thereon is a full and
fair Balance Sheet containing all the necessary particulars,
is properly drawn up so as to exhibit a true and fair view
of state of affairs of the Bank as on 31st March, 2014 in
conformity with accounting principles generally accepted
in India;
ii ueeYe-neefve uesKee, oer ieF& efhheefCeeeW kes meeLe heef"le Yeejle ceW meeceevele:
mJeerkeee& uesKeebkeve efmeebleeW kes meceHe leLee Keeles kes Je<e& kes efueS yeQke
kes mener ueeYe Mes<e kees oMee&lee nw.
ii. The Profit and Loss Account, read with the notes thereon
shows a true balance of profit, in conformity with accounting
principles generally accepted in India, for the year covered
by the account; and
iii vekeoer HeJeen-efJeJejCe Gme leejerKe kees meceehle Je<e& kes oewjeve vekeoer HeJeen
kee mener SJeb mHe< efJeJejCe emlegle kejlee nw.
iii. The Cash Flow Statement gives a true and fair view of the
cash flows for the year ended on that date.
Deve efJeefOeke SJeb efveeeceke Dehes#eeDeeW Hej efjHees&

8. legueve-He$e Deewj ueeYe-neefve uesKee, yeQkekeejer kebHeveer DeefOeefveece, 1949 keer
le=leere Devegmeteer kes eceMe: Heece& S Deewj yeer ceW yeveeS ieS nQ.
262
Report on Other Legal and Regulatory Requirements

8. The Balance Sheet and the Statement of Profit and Loss
Account have been drawn up in Forms A and B respectively
of the Third Schedule to the Banking Regulation Act, 1949.
2013-14
9. Ghejese Devegso 1 mes 5 ceW JeefCe&le uesKee hejer#ee meerceeDeeW Deewj yeQkekeejer (kebheveer
GheeceeW kee Depe&ve SJeb DeblejCe) 1970/1980 Deewj Fvekes Devleie&le ekeerkejCe
keer meerceeDeeW kes DeOeOeerve, nce metefele kejles nQ efke :
9. Subject to the limitations of the audit indicated in paragraph 1 to

5 above and as required by the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 / 1980 and subject also
to the limitations of disclosure required therein, we report that;
ke. nceves DeHeves DeefOekelece %eeve SJeb efJeMJeeme kes Devegmeej uesKee-Hejer#ee nsleg
DeeJeMeke meYeer peevekeejer leLee mHe<erkejCe HeeHle efkeS nQ leLee GvnW
meblees<epeveke Heeee nw.
a. We have obtained all the information and explanations which

to the best of our knowledge and belief, were necessary for the
purposes of our audit and have found them to be satisfactory;
Ke. yeQke kes mebJeJenejeW keer pees peevekeejer nceejs meeceves Deeeer nw, Jes yeQke kes
DeefOekeej #es$e kes Debleie&le ner nQ.
ie. yeQke kes keeee&ueeeW Deewj MeeKeeDeeW mes HeeHle efJeJejefCeeeb uesKee-Hejer#ee nsleg
meeceevele: Heee&Hle Heeeer ieeeR.
10. nceejer jee ceW legueve he$e, ueeYe/neefve uesKee Deewj vekeoer eJeen efJeJejCeer ceeve
uesKee ceevekeeW kes Deveghe nw.
b. The transactions of the Bank, which have come to our notice

have been within the powers of the Bank;
c. The returns received from the offices and branches of the Bank
have been found adequate for the purposes of our audit;
10. In our opinion, the Balance Sheet, Profit and Loss Account and
Cash Flow Statement comply with the applicable accounting
standards.

meveoer uesKeekeej
(Sme kes efceeue)
Yeeieeroej
Sce. veb.: 008506

meveoer uesKeekeej
(oeeefveJeeme Mecee&)
Yeeieeroej
Sce. veb.: 216244
ke=les js SC[ js
meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 056060
For S K Mittal & Co.

FRN: 001135N
(S K Mittal)
Partner
M. No.008506

FRN: 002460S
(Dayaniwas Sharma)
Partner
M. No.216244
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M. No. 056060

meveoer uesKeekeej
(eoerHe pes Meser)
Yeeieeroej
Sce. veb.: 046940

meveoer uesKeekeej
(Yeejle ieeseue)
Yeeieeroej
Sce. veb.: 060069

meveoer uesKeekeej
(DeeF&.meer.pewve)
Yeeieeroej
Sce. veb.: 008791
For N B S & Co.

FRN: 110100W
(Pradeep J Shetty)
Partner
M. No.046940
For KASG & Co.

FRN: 002228C
(Bharat Goel)
Partner
M. No.060069

FRN : 105049W
(I C Jain )
Partner
M. No.008791

efoveebke / Date: 13th May, 2014
263
2013-14
31 ceee& 2014 kee mecesefkele legueve-he$e
Consolidated Balance Sheet as on 31st March, 2014

(` in 000s)
Devegmeteer
SCHEDULE
31 ceee& 2014 kees 31 ceee& 2013 kees
As on
As on
31st Mar, 2014 31st Mar, 2013
Hetbpeer Deewj oseleeSb
CAPITAL & LIABILITIES
Hetbpeer
Capital
430,67,63
422,51,75
Reserves & Surplus
37416,14,53
32859,25,25
ceeeveesefjer Fvjsm
Minority Interest
158,40,66
110,05,39
peceejeefMeeeb
Deposits
579997,05,60
482638,89,30
GOeej ueer ieF& jeefMeeeb
Borrowings
36976,30,07
26552,94,25
Other Liabilities & Provisions
21135,52,08
16804,67,25
pees[
TOTAL
676114,10,57
559388,33,19
Deeefmleeeb
ASSETS
Yeejleere efj]peJe& yeQke kes Heeme

vekeoer Deewj Mes<e jkece
Cash and balances with Reserve

Bank of India
19444,73,16
14151,18,45
yeQkeesb kes Heeme Mes<e jkece leLee ceebie SJeb

Balances with Banks and Money at

Call and Short Notice
114910,93,64
73550,88,21
efveJesMe
Investments
122112,86,39
125617,05,26
$e+Ce SJeb Deefece
Loans & Advances
403715,37,27
333625,19,72
Deeue Deeefmleeeb
Fixed Assets
10
2849,29,77
2550,42,95
Deve Deeefmleeeb
Other Assets
11
13080,90,34
9893,58,60
pees[
TOTAL
676114,10,57
559388,33,19
Contingent Liabilities
260865,11,13
205377,49,46
Jemet}er kes efueS efyeue
Bills for Collection
31995,79,82
26021,10,29
cenlJehetCe& uesKee-veerefleeebb
18
Notes on Accounts
19
2A
12
THej oMee&eer ieeer Devegmetefeeeb legueve-He$e kee Ske DeefYevve Yeeie nQ.
The Schedules referred to above form an integral part of the Balance Sheet.
Sme.Sme.cetbo[e
efHe. eerefveJeeme
yeer. yeer. peesMeer
Jeer.kes.iegHlee
ceneHeyebOeke
(keeheexjs Keeles SJeb kejeOeeve SJeb cegefJeDe)
yeer.FueWiees
mene. ceneeyebOeke
(keeheexjs Keeles SJeb kejeOeeve)
mLeeve : cegbyeF&,
264
efveosMeke
[e@.kes.heer.ke=<Ceve
eer mego&Meve mesve
eer ceewefueve S.Jew<CeJe
eer megjW Sme Yeb[ejer
eer jepeerye Sme meent
uesKee Hejer#eke
mece leejerKe keer nceejer mebueive he=Leke efjhees& kes Devegmeej
ke=les js SC[ js
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHeDeejSve : 001135 Sve
SHeDeejSve : 301072 F&
(Sce.kes.pegvespee)
Yeeieeroej
Sce. veb.: 013117
(peer megyyeejeJe)
Yeeieeroej
Sce. veb.: 019579
Yeeieeroej
Sce. veb.: 056060
ke=les SveyeerSme SC[ keb.

meveoer uesKeekeej
SHeDeejSve : 110100 [yuet

meveoer uesKeekeej
ke=les Keb[sueJeeue pewve SC[ keb

meveoer uesKeekeej
(Sve.yeer. Meser)
Yeeieeroej
Sce. veb.: 016718
(kes.kes.njesefoee)
Yeeieeroej
Sce. veb.: 034751
(MewuesMe Meen)
Yeeieeroej
Sce. veb.: 0033632
2013-14
31 ceee& 2014 kees meceehle Je<e& kee mecesefkele ueeYe Je neefve uesKee
Consolidated Profit & Loss Account for the year ended 31st March 2014
(` in 000s)
Devegmeteer
SCHEDULE
Deee
Deefpe&le yeepe
Deve Deee
pees[
Jee
yeepe Jee
heefjeeueve Jee
eeJeOeeve Deewj Deekeefmceke Jee
pees[
ceeFveesefjer Fvjsm mes hetJe& mecesefkele ueeYe
Deewj meneesieer FkeeFeeW ceW Deee kee DebMe
meneesieer FkeeFeeW ceW Deee kee DebMe
ceeFveesefjer Fvjsm jeefMe kece kejves mes
HetJe& Je<e& kes efueS mecesefkele Meg ueeYe
IeeSb : ceeFveesefjer Fvjsm
Je<e& kes efueS mecetn kee mecesefkele ueeYe
I. INCOME
13
Interest Earned
14
Other Income
TOTAL
II. EXPENDITURE
15
Interest Expended
16
Operating Expenses
19 (9)
Provisions and Contingencies
TOTAL
Consolidated Profit before Minority Interest
and share of earning in Associates
17
Share of earnings in Associates
Consolidated Net Profit for the year
before deducting Minority interest
Less : Minority Interest
Consolidated Profit for the year
attributable to the group
Deeies ueeF& ieF& ueeYe SJeb neefve Keeles ceW Mes<e jeefMe Balance in Profit and Loss A/c brought forward
efJeefveeesie nsleg GheueyOe jeefMe
Amount available for appropriation
efJeefveeesie
III. Appropriations
meebefJeefOeke eejef#ele efveefOe ceW DevlejCe
Transfer to Statutory Reserve
hetpb eer eejef#ele efveefOeeeW ceW DevlejCe
Transfer to Capital Reserve
Oeeje 36(1) (viii) kes lenle efJeMes<e Deejef#ele efveefOe ceW DeblejCe Transfer to Special Reserve u/s 36 (1) (viii)
jepemJe SJeb Deve eejef#ele efveefOeeeW ceW DeblejCe Transfer to Revenue & Other Reserves
emleeefJele ueeYeebMe (ueeYeebMe kej meefnle) Proposed Dividend (Including Dividend Tax)
mecesefkele yesueWmeMeer ceW Deeies ues peeee
Balance carried over to consolidated
Balance Sheet
ieee Mes<e
pees[
Total
19 (10.5)
Heelf eMesej Deee (yesemf eke Je [eeuet[s ) (`.) Earnings per Share (Basic & Diluted) (`.)
(meebkesefleke cetue eefle Mesej `10)
(Nominal value per share ` 10)
18
cenlJehetCe& uesKee-veerefleeebb
19
Notes on Accounts
31 ceee& 2014 kees

meceehle Je<e& kes efueS
31 ceee& 2013 kees

meceehle Je<e& kes efueS
For the
Year ended
31st Mar 2014
`
For the
Year ended
31st Mar 2013
`
40462,89,27
36442,05,74
5555,15,33
46018,04,60
4510,62,31
40952,68,05
27604,42,78
7592,28,65
5890,09,22
41086,80,65
4931,23,95
24486,41,13
6306,36,43
5409,42,73
36202,20,29
4750,47,76
105,16,93
5036,40,88
78,54,25
4829,02,01
35,67,90
5000,72,98
24,79,00
4804,23,01
281,19,07
5281,92,05
178,72,72
4982,95,73
1181,07,88
8,69,02
915,19,85
1677,42,22
1083,67,67
415,85,41
1148,70,91
81,44,81
852,48,82
1559,49,62
1059,62,50
281,19,07
5281,92,05
118.25
4982,95,73
116.70
THej oMee&F& ieF& Devetmetefeeeb legueve He$e kee Ske DeefYevve Yeeie nQ
The Schedules referred to above form an integral part of Balance sheet
S S Mundra
P Srinivas
Executive Director
B B Joshi
Executive Director
V K Gupta
General Manager
(Corp A/Cs, Taxation & Subs.) and CFO
B Elango
Asst. General Manager

Corporate A/cs & Taxation
Place : Mumbai
Directors
Dr K P Krishnan
Shri Sudarshan Sen
Shri Maulin A Vaishnav
Shri Surendra S Bhandari
Shri Rajib S Sahoo
Auditors
As per our separate report of even date attached

FRN: 001135N
(M. K. Juneja)
Partner
M No. 013117
For N B S & Co
FRN: 110100W
(N. B. Shetty )
Partner
M No. 016718
For Laxminiwas Neeth & CoFor Ray & Ray

Chartered Accountants Chartered Accountants
FRN: 002460S
FRN: 301072E
(G Subba Rao)
(Amitava Chowdhury)
Partner
Partner
M No. 019579
M No. 056060
For KASG & Co.
Chartered Accountants Chartered Accountants
FRN: 002228C
FRN : 105049W
(K. K. Harodia)
(Shailesh Shah)
Partner
Partner
M No.034751
M No.0033632
265
2013-14
mecesefkele legueve-he$e keer Devegmetefeeeb
Schedules to Consolidated Balance Sheet

(` in 000s)
31 ceee&, 2014 kees
Devegmeteer - 1 Hetbpeer
HeeefOeke=le Hetbpeer
(eleske `10/- kes 300,00,00,000
FefkeJeer Mesej)
(efheues Je<e& eleske `10/- kes
300,00,00,000/- Mesej)
peejer keer ieeer leLee DeefYeoe
Hetbpeer
eleske `10/- kes 43,21,48,587
FefkeJeer Mesej (efheues Je<e& eleske `10 kes
42,39,89,803 Mesej)
ceebieer ieF& SbJe eolle Hetbpeer
eleske `10/- kes 42,94,15,087
(efHeues Je<e& 42,12,56,303) FefkeJeer
Mesej) efpemeceW 24,15,71,283 FefkeJeer
Mesej (efHeues Je<e& 23,34,12,499 Mesej)
Meeefceue nQ, efpemekeer kegue jeefMe ` 241.57
kejes[ kesv mejkeej eje Oeeefjle nw.
Add: Forfeited Shares
Devegmeteer - 2
Heeefj#ele efveefOeeeb Deewj DeefOeMes<e
i meebefJeefOeke Heejef#ele efveefOeeeb
DeejbefYeke Mes<e
pees[W/(IeeSb) : ueeYe SJeb neefve Keeles
mes Debleefjle
pees[W/(IeeSb) : Je<e& kes oewjeve
meceeeespeve
ii ke) Hetbpeeriele Heejef#ele efveefOeeeb
`1066.94 kejes[ (efheues Je<e&
`1117.36 kejes[ kes Hegvecet&ueekeve
efj]peJe& meefnle)
SCHEDULE - 2
DeejbefYeke Mes<e
pees[W/(IeeSb) : ueeYe SJeb neefve
Keeles mes Debleefjle
pees[W/(IeeSb) : Je<e& kes oewjeve
meceeeespeve
Ke) meceskeve hej Hetbpeeriele
Heejef#ele efveefOeeeb
DeejbefYeke Mes<e
pees[W : Je<e& kes oewjeve meceeeespeve
266
As on 31st March 2013

`
`
3000,00,00
3000,00,00
432,14,85
423,98,98
429,41,51
421,25,63
SCHEDULE - 1 CAPITAL
AUTHORISED CAPITAL
(300,00,00,000 Shares of `.10/each)
(previous year 300,00,00,000shares of `.10/- each)
ISSUED & SUBSCRIBED
CAPITAL
43,21,48,587 Equity Shares of
`10/- each
shares of `. 10/- each)
CALLED-UP & PAID-UP CAPITAL
42,94,15,087 (previous year
42,12,56,303) Equity Shares
of `10 each including
24,15,71,283 Equity Shares
Shares) amounting to ` 241.57
croresheld by Central Government
pees[W : peyle Mesej

pees[W
31 ceee&, 2013 kees

`
`
TOTAL
1,26,12
1,26,12
430,67,63
422,51,75
RESERVES & SURPLUS

i Statutory Reserves
Opening Balance
Add: Transfer from P&L
Accounts
Add/(Less): Adjustments
during the year
ii a) Capital Reserves
7109,94,38
5961,90,74
1181,07,88
1148,70,91
37,61
8291,39,87
(67,27)
7109,94,38
(including Revaluation Reserve

of ` 1066.94 crores (previous
years ` 1117.36 crores)
Opening Balance
Add/(Less): Transfer from
P&L Accounts
during the year
b) Capital Reserve on
Consolidation
Opening Balance
Add: Adjustments during
the year
1984,27,49
1994,15,79
8,69,02
81,44,81
(56,08,84)
1936,87,67
70,18,76
2,27,91
(91,33,11)
1984,27,49
67,90,84
72,46,67
2,27,92
70,18,76
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
iii Mesej Heerefceece
iii Share Premium
DeejbefYeke Mes<e
pees[W/(IeeSb) : Je<e& kes oewjeve HeefjJeOe&ve
/ meceeeespeve
iv jepemJe SJeb Deve Heejef#ele efveefOeeeb
ke. Oeeje 36 (1) (viii) kes lenle efJeMes<e
eejef#ele efveefOeeeb
eejbefYeke Mes<e
Opening Balance
pees[W/(IeeSb) : ueeYe SJeb neefve Keeles mes

DeblejCe
Ke. eejef#ele efveefOeeeb
ie. jepemJe Heejef#ele efveefOeeeb
eejbefYeke Mes<e
pees[s : ueeYe Deewj neefve Keeles mes DeblejCe
Add/(Less): Transfer from
during the year
541,84,12

`
`
6389,91,79
7771,62,62
839,86,71
7229,78,50
iv Revenue & Other Reserves

a. Special Reserves u/s 36 (1)
(viii)
Opening Balance
P&L Account
2420,04,02
915,19,85
b. Translation Reserves
1567,55,20
3335,23,87
852,48,82
2013,21,85
2420,04,02
1027,53,49
c. Revenue Reserves
Opening Balance
Add: Transfer from P&L

Accounts
pees[W/(IeeSb): Je<e& kes oewjeve efkeS ieS Add: Additions/Adjustments
during the year
HeefjJeOe&ve/meceeeespeve
v ueeYe/neefve Keeles ceW Mes<e
v Balance in Profit & Loss Account
kegue Heejef#ele efveefOeeeb Deewj DeefOeMes<e (i mes v)
Total Reserves & Surplus (I to v)
Devegmeteer - 2 S- ceeFveesefjer Fvjsm
SCHEDULE - 2A- Minority
HeejbefYeke Mes<e
pees[W / (IeeSb): Je<e& kes oewjeve efkeS ieS
meceeeespeve
kegue ceeFveesefjer Fvjsm
Add/(Less): Adjustments during

the year
Devegmeteer - 3 pecee jeefMeeeb

ke. I ceebie pecee jeefMeeeb
i) yewkeeW mes
ii) DeveeW mes
yeele yeQke pecee jeefMeeeb
II
III
ceereeoer pecee jeefMeeeb
i) yeQkeeW mes
ii) DeveeW mes
pees[ (I, II SJeb III)
Ke. I Yeejle ceW MeeKeeDeeW keer peceejeefMeeeb
II Yeejle mes yeenj MeeKeeDeeW keer
pecee jeefMeeeb
pees[ (I SJeb II)
7229,78,50
31 ceee&, 2013 kees
Interest
Opening Balance
12736,29,54
11184,76,46
1677,42,22
1559,49,62
(834,25,19) 13579,46,57
(7,96,54) 12736,29,54
415,85,41
281,19,07
37416,14,53
32859,25,25
110,05,39
48,35,27
Total Minority Interest
91,18,16
158,40,66
18,87,23
158,40,66
110,05,39
110,05,39
SCHEDULE - 3 DEPOSITS
A. I Demand Deposits
i) From Banks
ii) From Others
2054,53,48
1321,42,53
48917,38,03 50971,91,51
35145,20,17 36466,62,70
98845,58,32
86416,08,82
II Savings Bank Deposits

III Term Deposits
i)
From Banks
106245,40,57
ii) From Others
323934,15,20 430179,55,77 287100,28,80 359756,17,78
TOTAL (I,II and III)
579997,05,60
B. I Deposits of branches in India 383264,50,62

II Deposits of branches
outside India
TOTAL (I & II)
72655,88,98
482638,89,30
345069,65,33
196732,54,98
137569,23,97
579997,05,60
482638,89,30
267
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
Devegmeteer - 4 GOeej jeefMeeeb

I Yeejle ceW GOeej jeefMeeeb
i) Yeejleere efjpeJe& yeQke
ii) Deve yeQke
iii) Deve mebmLeeve Deewj SpeWefmeeeb
SCHEDULE - 4 BORROWINGS
I Borrowings in India
i) Reserve Bank of India
2000,00,00
ii) Other Banks
2022,52,09
335,41,89
2,26,24
98,70,15
1911,70,00
1911,70,00
5000,00,00
5000,00,00
4490,00,00 15426,48,33
2490,00,00
iii) Other Institutions and

Agencies
iv) IPDI
iv) DeeF&heer[erDeeF&
v) yeeb[esb kes He ceW peejer neF&eqye[ $e+Ce Hetbpeer v) Hybrid Debt Capital
Instruments issued as bonds
efueKele

vi) Subordinate debt
vi) ieewCe $e+Ce
II Borrowings outside India
II Yeejle mes yeenj GOeej jeefMeeeb
(FmeceW 1050 efceefueeve etSme [e@uej Yeejleere heeeW
ceW `6291.10 kejes[ kes mecelegue (efheues Je<e& 300
efceefueeve etSme [e@uej Yeejleere heeeW ceW `1628.55
kejes[ kes mecelegue) kes SceerSve yeeC[ Meeefceue nQ)
pees[ (I SJeb II)

THej I SJeb II ceW Meeefceue peceeveleer
GOeej jeefMeeeb
Devegmeteer - 5
31 ceee&, 2013 kees

`
`
(includes MTN Bonds of USD 1050

mn, INR equivalent of ` 6291.10 crores
(previous year USD 300 mn, ` 1628.55
crores)
TOTAL (I & II)

Secured Borrowings included in I
& II above
9835,82,04
21549,81,74
16717,12,21
36976,30,07
26552,94,25
3861,77,21
2767,77,47
I ose efyeue
SCHEDULE - 5
OTHER LIABILITIES AND
PROVISIONS
I Bills Payable
1749,35,55
1467,52,72
II Gheefele yeepe
II Interest Accrued
3808,65,47
3330,48,89
III Devle : keeee&uee meceeeespeve
III Inter office Adjustments
926,40,06
416,48,83
794,52,26
1,11,60
2418,28,06
1834,11,82
11438,30,68
9754,93,39
21135,52,08
16804,67,25
2311,45,30
1648,75,55
IV Deferred Tax Liabilities

IV DeemLeefiele kej oselee
V Contingent Provision against
V ceeveke DeeqeceeW kes Hess Deekeeqmceke eeJeOeeve
Standard Advances
VI Others
(including provisions)
VI Deve (eeJeOeeveeW meefnle)
pees[ (I SJeb VI)

Devegmeteer - 6
vekeoer leLee Yeejleere efjpeJe& yeQke kes
Heeme Mes<e
I neLe ceW vekeoer (efJeosMeer cege veeseW
meefnle)
II Yeejleere efjpeJe& yeQke/kesvere yeQke kes Heeme Mes<e
Total (I to VI)
SCHEDULE - 6
CASH AND BALANCES WITH
RESERVE BANK OF INDIA
I Cash in hand (including
foreign currency notes)
i)
eeuet Keeles ceW
II Balances with Reserve Bank

of India/ Central Bank :
i) in Current Account
Deve KeeleeW ceW

ii)
ii) in Other Accounts
pees[ (I SJeb II)

Devegmeteer - 7
yeQke kes heeme Mes<e Deewj ceebie SJeb
I Yeejle ceW
yewkeeW kes Heeme Mes<e jkece
i)
(ke) eeuet KeeleeW ceW
(Ke) Deve pecee KeeleeW ceW
Total (I & II)
268
16983,95,82
12261,30,04
149,32,04 17133,27,86
241,12,86 12502,42,90
19444,73,16
14151,18,45
SCHEDULE - 7
BALANCES WITH BANKS
AND MONEY AT CALL AND
SHORT NOTICE
I In India
i) Balances with Banks
a) in Current Accounts
1202,89,23
2817,02,72
b) in Other Deposit Accounts
1412,54,03
4019,91,95
4220,57,71
5633,11,74
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
ii) ceebie Hej SJeb DeuHe metevee Hej Heefleose jeefMe

(ke) yewkeeW kes Heeme
(Ke) Deve mebmLeeveeW kes Heeme

pees[ (i SJeb ii)
II Yeejle mes yeenj
eeuet KeeleeW ceW
i)
ii) Deve pecee-jeefMe KeeleeW ceW
iii) ceebie SJeb DeuHe metevee Hej Heefleose jeefMe
pees[ (i,ii SJeb iii)
kegue pees[ (I SJeb II)
Devegmeteer - 8
efveJesMe
I Yeejle ceW efvecve ceW efveJesMe
mejkeejer HeefleYetefleeeb
i)
Deve Devegceesefole HeefleYetefleeeb
ii)
iii)
Mesej
ef[yeWej SJeb yeeb[

iv)
ii) Money at call and short

notice
a)
with Banks
b) with Other Institutions
Meg efveJesMe
IV Yeejle mes yeenj efveJesMe
10,00,00
Total (i and ii)
2445,00,00
10,00,00
6411,69,11
4029,91,95
8856,69,11
14489,80,85
II Outside India
i) in Current Accounts
20422,30,02
11931,49,49
ii) in Other Deposit Accounts
24771,17,03
22358,40,84
63025,81,46
iii) Money at Call and Short Notice 27432,90,21
Total (i, ii and iii)
110881,01,69
Grand Total (I and II)
SCHEDULE - 8
INVESTMENTS
59061,07,36
114910,93,64
73550,88,21
I Investments in India in
i) Govt Securities
97382,84,98
ii) Other Approved

Securities
iii) Shares
1128,84,94
877,97,02
2380,68,21
1963,98,98
iv) Debentures and Bonds
4226,60,83
3237,12,77
v) Investment in Associates
v) meneesieer FkeeFeeW ceW efveJesMe
[FmeceW #es$eere ieeceerCe yeQkeeW keer Mesej '[includes Bank's share of
contribution as advance
Hetpb eer kes He ceW yeQke kee Deefiece DebMeoeve
of ` 152.91 Crores
` 152.91 kejes [ . (ef H eues Je<e&
(Previous year ` 152.91
` 159.91 kejes[) Meeefceue nw pees
Crores) towards Share
Deeyebve nsleg ueefcyele nQ.]
Capital of RRBs pending
allotment]
vi) Others
vi) Deve
pees[ (i mes vi)

II Yeejle mes yeenj efveJesMe
mejkeejer HeefleYetefleeeb (mLeeveere
i)
HeeefOekejCeeW meefnle)
ii)
meneesieer FkeeFeeW ceW efveJesMe
iii) Deve
pees[ (i mes iii)
kegue pees[ (I SJeb II)
III Yeejle ceW efveJesMe
efveJesMeeW kee mekeue cetue
IeeSb: cetueeme nsleg HeeJeOeeveeW kee pees[
31 ceee&, 2013 kees

`
`
Total (i to vi)
103105,14,17
565,83,46
442,62,67
8547,87,41
9481,72,61
114232,69,83
119108,58,22
II Investments Outside India in

i) Govt Securities (incl.
Local authorities)
ii) Investment in Associates

iii) Others
4128,70,03
3654,33,68
63,96,30
52,13,96
3687,50,23
2801,99,40
Total (i to iii)
Grand Total (I & II)
7880,16,56
6508,47,04
122112,86,39
125617,05,26
III Investments in India

Gross value of Investments
115005,58,36
Less: Aggregate of
Provisions for Depreciation
Net Investments
772,88,53
779,92,95
114232,69,83
119108,58,22
119888,51,17
IV Investments outside India
efveJesMeeW kee mekeue cetue
Gross value of Investments
8130,59,11
6649,69,12
IeeSb: cetueeme nsleg HeeJeOeeveeW kee

pees[
Meg efveJesMe
Less: Aggregate of
Provisions for Depreciation
250,42,55
141,22,08
Net Investments
7880,16,56 122112,86,39
6508,47,04 125617,05,26
269
2013-14
(` in 000s)
31 ceee&, 2014 kees
Devegmeteer - 9 Deefiece
ke. i) Kejeros Deewj YegveeS ieS efyeue

`
`

`
`
53056,58,80
48465,25,50
182327,52,15
141144,04,92
168331,26,32
144015,89,30
403715,37,27
333625,19,72
SCHEDULE - 9 ADVANCES
A. i) Bills Purchased and

Discounted
ii)
Cash
Credits, Overdrafts and
ii)
vekeoer $e+Ce, DeesJej [êHe Deewj ceebie
Loans Repayable on Demand
Hej egkeewleer eesie $e+Ce
iii)
ceereeoer $e+Ce
iii) Term Loans
Total (i to iii)
pees[ (i mes iii)

Ke. i) cetle& DeeefmleeeW eje mebjef#ele (yener B. i) Secured by Tangible
Assets(Includes advances
$e+Ce keer SJepe ceW DeefieceeW meefnle)
against book debts)

ii)
yewkeeW/mejkeejer ieejbefeeW eje jef#ele ii) Covered by Bank/
Government Guarantees
iii) Unsecured
iii)
iewj-peceeveleer
pees[ (i mes iii)

ie. I Yeejle ceW Deefiece
i HeeLeefcekelee HeeHle #es$e
ii meeJe&peefveke #es$e
iii
yeQke
iv
Deve
II
Yeejle mes yeenj Deefiece
i yeQkeeW mes HeeHe
ii DeveeW mes HeeHe
ke. Kejeros ieS Deewj YegveeS ieS
efyeue
Ke.
mecetn $e+Ce
ie. Deve
pees[ (ie I + ie II)
Total (i to iii)
Devegmeteer-10
Deeue Deeefmleeeb
I Heefjmej
efJeiele Je<e& kes 31 ceee& keer ueeiele Hej
SCHEDULE - 10
Je<e& kes oewjeve HeefjJeOe&ve / meceeeespeve
270
282624,53,37
231529,38,59
66362,74,57
60096,36,34
54728,09,33
41999,44,79
403715,37,27
333625,19,72
C. I Advances in India
i Priority Sector
ii Public Sector
iii
Banks
iv
Others
85560,73,92
80547,18,49
229,86,35
22539,48,53
38,19,10
2602,37,07
188856,09,22 274684,88,59 120815,39,87 226504,43,96
II Advances Outside India

i Due from Banks
57342,06,30
573,870,000
a)
Bills purchased &
Discounted
7105,18,46
6511,68,62
b)
Syndicated Loans
26606,50,21
14805,44,76
c)
Others
37976,73,71 129030,48,68 28416,62,38107120,75,76
ii Due from Others
Total (C.I +C.II)
403715,37,27
333625,19,72
FIXED ASSETS
I Premises
At cost as on 31st March of
the preceding year
Additions/Adjustments
during the year
IeeSb : Je<e& kes oewjeve keewelf eeeb / meceeeespeve Deductions/adjustments during

(Hegvece&tequele jeefMe meefnle)
Deeleve leejerKe kees cetueeme
II Deve Deeue Deeefmleeeb
(Heveeaej SJeb efHekemeej meefnle)
efJeiele Je<e& kes 31 ceee& keer ueeiele hej
31 ceee&, 2013 kees
2677,05,23
2628,79,85
191,31,18
2868,36,41
48,96,79
2677,76,64
3,90,64
71,41
the year
(Includes revalued amount)
2864,45,77
Depreciation to date
1017,07,36
2677,05,23
1847,38,41
922,67,95
II Other Fixed Assets

(including Furniture & Fixtures) :
At cost as on 31st March of

the preceding year
2913,15,55
2467,98,78
1754,37,28
2013-14
(` in 000s)
31 ceee&, 2014 kees

`
`
Je<e& kes oewjeve HeefjJeOe&ve / meceeeespeve
Additions/Adjustments
during the year
Je<e& kes oewjeve keewefleeeb

Deeleve leejerKe leke cetueeme
pees[ (I SJeb II)
Devegmeteer - 11
Deve Deeefmleeeb
I GHeefele yeepe
II Deefiece kej Yegieleeve/eesle Hej kej keewleer
(eeJeOeeveeW kee efveJeue)
511,13,13
2979,11,91
Deductions during the year
46,12,09
3445,35,20
65,96,36
2913,15,55
Depreciation to date
2443,43,84
Total (I Iand II)
OTHER ASSETS
I Interest Accrued
IV DeemLeefiele kej Deeefmleeeb
IV Deferred Tax assets
V Deve
V Others
2117,09,88
796,05,67
2849,29,77
2550,42,95
4749,14,30
3704,32,84
4849,47,70
3401,38,01
7,34,20
6,66,61
10,27,17
97,95,60
3464,66,97
2683,25,54
13080,90,34
9893,58,60
63,10,76
69,20,11
28,00
28,00
171001,53,26
136045,12,51
Total (I to V)
SCHEDULE - 12
CONTINGENT LIABILITIES
I Claims not acknowledged as
debts
II
Liability for partly paid
II DeebefMeke egkelee efveJesMeeW kes efueS oselee
Investments
III
Liability on account of
III yekeeee Jeeeoe efJeefvecee mebefJeoeDeeW kes
outstanding forward
keejCe oselee
exchange contracts
IV mebIekeeW keer Deesj mes oer ieF& ieejbefeeb IV Guarantees given on behalf
of constituents :

a) In India
ke) Yeejle ceW
Ke) Yeejle mes yeenj
1001,91,36
SCHEDULE - 11
III msMevejer SJeb mwche
Devegmeteer - 12
I oeJes efpevnW $e+Ce veneR ceevee ieee

`
`
578,31,74
3491,47,29
II Tax paid in advance/tax

deducted at source (net of
Provisions)
III Stationery and Stamps
pees[ (I mes V)
31 ceee&, 2013 kees
b) Outside India
V mJeerke=efleeeb, Hejebkeve Deewj Deve yeeOelee V Acceptances, Endorsements

and Other Obligations
VI Other
items of contingent
VI Deekeefmceke oselee keer Deve ceoW
liability
Total ( I to VI)
pees[ (I mes VI)
16487,14,40
14304,50,45
13410,13,34 29897,27,74
14693,49,97 28998,00,42
20142,64,46
19163,58,23
39760,26,91
21101,30,19
260865,11,13
205377,49,46
271
2013-14
mecesefkele ueeYe Je neefve uesKes keer Devegmetefeeeb
Schedules to Consolidated Profit & Loss Account

(` in 000s)
31 ceee&, 2014 kees
31 ceee&, 2013 kees
Year ended 31st March 2014 Year ended 31st March 2013
`
`
`
`
Devegmeteer - 13
Deefpe&le yeepe SJeb ueeYeebMe
SCHEDULE - 13
INTEREST AND DIVIDENDS
EARNED
I DeefieceeW/efyeueeW Hej yeepe/yee
I Interest/Discount on
Advances/Bills
II efveJesMe Hej Deee

III Yeejleere efjpeJe& yeQke Mes<e Deewj Deve
Devlej yeQke efveefOeeeW kes Mes<e hej

yeepe
28656,54,51
26611,34,35
II Income on Investments
9293,97,26
7887,88,36
III Interest on Balances with

Reserve Bank of India and
other Inter-Bank Funds
1671,24,99
1538,39,38
841,12,51
404,43,65
40462,89,27
36442,05,74
1503,06,75
1313,28,56
26,86
(1,22,56)
1068,56,51
824,00,07
IV Deve
IV Others
pees[ (I mes IV)
TOTAL ( I to IV)
Devegmeteer - 14
Deve Deee
SCHEDULE - 14
OTHER INCOME
I keceerMeve, efJeefvecee SJeb oueeueer
I Commission, Exchange and

Brokerage
II Yetefce, YeJeve Deewj Deve DeeefmleeeW keer
II Profit / (Loss) on sale of Land,

(Net)
efyeeer Hej ueeYe/(neefve) (Meg)
III efJeefvecee uesve-osve Hej ueeYe (Meg)
III Profit on Exchange

Transactions (Net)
lV efveJesMeeW kes Hegvecet&uebekeve Hej ueeYe/
lV Profit on sale of Investments

(Net)
752,91,09
635,21,53
V Deefpe&le eerefceece
V Premium earned
938,44,53
569,52,83
VI efJeefJeOe Deee
VI Miscellaneous Income
1291,89,59
1169,81,88
pees[ (I mes VII)
TOTAL ( I to VII)
5555,15,33
4510,62,31
Devegmeteer - 15
yeepe Jee
SCHEDULE - 15
INTEREST EXPENDED
I pecee jeefMeeeW Hej yeepe
I Interest on Deposits
25865,48,17
23062,97,76
679,13,50
466,94,52
1059,81,11
956,48,85
27604,42,78
24486,41,13
(neefve) (Meg)
II Yeejleere efj]peJe& yeQke/ Devlej yeQke GOeej II Interest on Reserve Bank of

India/Inter-Bank Borrowings
jeefMeeeW Hej yeepe
III Deve
III Others
pees[ (I mes III)
TOTAL ( I to III)
272
2013-14
(` in 000s)
31 ceee&, 2014 kees
31 ceee&, 2013 kees
Year ended 31st March 2014 Year ended 31st March 2013
`
`
`
`
Devegmeteer - 16
Heefjeeueve Jee
SCHEDULE - 16
OPERATING EXPENSES
I kece&eeefjeeW kees Yegieleeve SJeb Gvekes efueS I Payments to and Provisions

for Employees
HeeJeOeeve
4334,60,65
3615,95,10
653,58,25
556,35,16
II efkejeee, kej SJeb efJeegle
II Rent, Taxes and Lighting
III cegCe SJeb msMevejer
III Printing and Stationery
75,82,90
60,63,22
IV efJe%eeHeve SJeb Heeej
IV Advertisement and Publicity
81,58,05
74,27,02
V yeQke keer mebHeefeeeW Hej cetueeme
V Depreciation on Banks
Property
368,10,96
321,70,12
VI efveosMekeeW keer Heerme, Yees SJeb Jee
VI Directors Fees, Allowances

and Expenses
2,73,50
3,28,81
VII uesKee Hejer#ekeeW keer Heerme SJeb Jee
VII Auditors Fees and Expenses

(including Branch Auditors
Fees and Expenses)
52,06,45
35,84,73
VIII efJeefOe HeYeej
VIII Law Charges
40,91,49
34,61,22
IX [eke Jee, leej SJeb otjYee<e Deeefo
IX Postages, Telegrams,
Telephones etc.
151,73,95
124,49,82
X cejccele SJeb jKe jKeeJe
X Repairs and Maintenance
209,39,20
190,98,91
XI yeercee
XI Insurance
401,13,89
305,06,35
XII Deve Jee
XII Other Expenditure
1220,59,36
983,15,97
pees[ (I mes XII)
TOTAL (I to XII)
7592,28,65
6306,36,43
Devegmeteer - 17
meneesieer FkeeFeeW ceW
Deee kee DebMe
SCHEDULE - 17
SHARE OF EARNINGS IN
ASSOCIATES
I #es$eere eeceerCe yeQke
I RRBs
99,30,00
80,07,16
II Deve
II Others
5,86,93
(1,52,91)
pees[ (I Deewj II)
TOTAL (I & II)
105,16,93
78,54,25
(MeeKee uesKee-Hejer#ekeeW keer Heerme SJeb

Jee meefnle)
273
2013-14
Devegmeteer 18: 31 ceee& 2014 kees meceehle Je<e& kes efueS mecesekf ele efJeeere efJeJejefCeeeW keer cenlJehetCe& uesKeebkeve veerelf eeeb
Schedule 18 : Significant Accounting Policies on the Consolidated Financial Statements for
the year ended 31st March 2014
1. mecesefkele efJeeere efJeJejefCeeeb leweej kejves kee DeeOeej
1. BASIS OF PREPARATION OF CONSOLIDATED

FINANCIAL STATEMENTS:
1.1 leweejer kejves kee DeeOeej
1.1 BASIS OF PREPARATION:
yeQke (cetue), Fmekeer Deveg<ebefieeeW mebege GeceeW Deewj meneesieer FkeeFeeW keer
mecesefkele efJeeere efJeJejefCeeeb (meerSHeSme) HejcHejeiele ueeiele kes DeeOeej Hej
yeveeF& ieF& nQ Deewj meYeer JeemleefJeke HenuegDeeW kes meboYe& ceW, Yeejle keer MeeKeeDeeW/
keeee&ueeeW kes efJe<ee ceW Yeejle ceW Deewj efJeosMeer MeeKeeDeeW/keeee&ueeeW kes efJe<ee
ceW mebye osMe ceW Heeeefuele meebefJeefOeke HeeJeOeeveeW SJeb efJeOeeDeeW kes DevegHe, peye
leke efke keesF& DeveLee GuuesKe ve efkeee ieee nes, yeveeF& ieF& nQ.
Consolidated Financial Statements (CFS) of the Bank

(Parent), its subsidiaries, joint ventures and associates
are drawn up on historical cost basis and conform in all
material aspects to statutory provisions and practices
prevailing in India in respect of Indian offices / branches
and respective foreign countries in respect of foreign
offices / branches, unless otherwise stated.
1.2 Devegceeveesb kee Gheeesie
1.2 USE OF ESTIMATES:
The preparation of financial statements requires the

management to make estimates and assumptions
considered in the reported amount of assets and
liabilities (including contingent liabilities) as of date
of the financial statements and the reported income
and expenses for the reporting period. Management
believes that the estimates used in the preparation of
the financial statements are prudent and reasonable.
2. meceskeve Heefeee
2.
CONSOLIDATION PROCEDURE:
2.1 mecetn (12 Deveg<ebefieeeb, 6 meneesieer FkeeFeeW leLee 3 mebegkele Gece) keer
mecesefkele efJeeere efJeJejefCeeeb efvecveefueefKele kes DeeOeej hej leweej keer ieF& nQ :
2.1 CFS of the group (comprising of -12- Subsidiaries,

-6- Associates and -3- Joint Ventures) have been
prepared on the basis of :
efJeeere efJeJejCeeW kees leweej kejves ceW efJeeere efJeJejCe keer leejerKe kees efjHees&
keer ieF& Deeefmle SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) leLee efjHees& keer
ieF& DeJeefOe nsleg Deee SJeb Jee mebyebOeer jeefMe kees efjHees& kejves nsleg HeyebOeve
kees keg DevegceeveeW Deewj DeekeueveeW kees DeeOeej yeveevee He[lee nw. HeyebOeve kee
efJeMJeeme nw efke efJeeere efJeJejCe kees leweej kejves kes efueS Heegkele Deekeueve
efJeJeskeHetCe& Deewj Gefele nw.
ke) yeQke Dee@]He ye[ewoe (cetue) kes uesKee-hejeref#ele Keeles
a. Audited accounts of Bank of Baroda (Parent).
Ke) Deveg<ebefieeeW keer Deeefmle/oselee/Deee/Jee keer eleske ceo kee cetue mebmLee
keer mebyebefOele ceo kes meeLe ueeFve-t-ueeFve Ske$eerkejCe leLee Yeejleere
meveoer uesKeekeej mebmLeeve (DeeF&meerSDeeF&) eje peejer uesKeekebve ceeveke
(SSme-21) kes Devegmeej meYeer Fvê eghe Mes<eeW/mebJeJenejeW Deewj Jemetue
ve efkeS ieS ueeYe/neefve kees kece kejles ngS.
ie) meneesieer mebmLeeDeeW ceW efveJesMe kee uesKeebkeve uesKee Hejeref#ele efJeeere
efJeJejefCeeeW kes DeeOeej Hej DeeF&meerSDeeF& eje peejer DekeeGbefbie
Hee@j FveJesmceW Fve SmeesefmeSdme Fve kevemeeefue[ss[ HeeFveWefMeeue
msceWdme S Sme 23 FefkeJeer HeCeeueer kes DevegHe efkeee ieee nw.
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 as per AS 21
(Consolidated Financial Statements) issued by
the Institute of Chartered Accountants of India
(ICAI).
Ie) mebege GeceeW ceW efveJesMe, DeeF&meerSDeeF& eje peejer SSme-27

(HeeeveWefMeeue efjheese\ie Dee@He Fvsjm Fve pJeeFb JeWej) ceW efveOee&efjle
meceevegheeefleke DeeOeej hej mecesefkele efkeee ieee nw.
c. Investments in Associates are accounted for

under the Equity Method as per AS 23 (Accounting
for Investments in Associates in Consolidated
Financial Statements) issued by ICAI based on the
audited Financial Statements of the associates.
d. Interests in Joint Ventures are consolidated on
Proportionate consolidation method as prescribed
in AS 27 (Financial Reporting of Interests in Joint
Ventures) issued by ICAI.
2.2 uesKeebkeve veerefleeeW ceW Devlej nesves keer efmLeefle ceW Deveg<ebefieeeW, mebegkele Gece SJeb
meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeW kees, peneb keneR DeeJeMeke leLee
JeJeneefjke nes, cetue keer uesKee-veerefleeeW kes DevegHe meceeeesefpele efkeee ieee
nw.
2.2 In case of difference in Accounting Policies, the

Financial Statements of Subsidiaries, Joint ventures
and Associates are adjusted, wherever necessary and
practicable, to conform to the Accounting Policies of the
Parent.
2.3 mecesefkele efJeeere efJeJejefCeeeW kes ceeFveesefjer Fvjsm ceW Deveg<ebefieeeW keer Meg
FefkeJeer/ueeYe ceW ceeFveesefjer MesejOeejkeeW kes DebMe meceeefnle nw.
2.3 Minority interest in the CFS consists of the share of the

minority shareholders in the net equity / profit of the
subsidiaries.
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2013-14
2.4 cetue mebmLee eje Fmekeer Deveg<ebefieeeW ceW efkeS ieS efveJesMe keer ueeiele Deewj
Deveg<ebefieeeW ceW FefkeJeer ceW cetue mebmLee kes efnmmes keer ueeiele Deblej kees ieg[efJeue/
Heejef#ele Hetbpeer, pewmee Yeer ceeceuee nes, kes He ceW ceevee ieee nw.
2.4 The difference between cost to the Parent of its initial

investment in the subsidiaries and the Parents portion of
the equity of the subsidiaries is recognized as goodwill/
capital reserve as the case may be.
3. efveJesMe
3. INVESTMENTS:
3.1 JeieeakejCe

cetue mebmLee leLee Fmekeer Iejsuet Deveg<ebefieeeW kes efveJesMe Hees&Heesefueees kees
Yeejleere efjp] eJe& yeQke kes efoMee efveoxMeevegmeej efvecveevegmeej Jeieeake=le efkeee ieee nw :
(ke) HeefjHekeJelee leke Oeeefjle efveJesMe jeefMeeeW ceW HeefjHekeJelee leke jKeves
kes GsMe mes HeeHle efveJesMe Meeefceue nQ.
(Ke) JeeHeej nsleg Oeeefjle ceW Jes efveJesMe Meeefceue nQ efpevnW JeeHeej kes GsMe
mes HeeHle efkeee ieee nw.
(ie) efyeeer nsleg GHeueyOe ceW Jes efveJesMe Meeefceue nQ pees GHejeskele ke leLee
Ke ceW Meeefceue veneR nQ DeLee&led pees ve lees JeeHeej kes GsMe mes HeeHle efkeS
ieS nQ Deewj ve ner HeefjHekeJelee leke jKeves kes GsMe mes HeeHle efkeS ieS nQ.
3.2 DeefOeenCe ueeiele

efveJesMeeW kes DeefOeenCe keer ueeiele-eeslmeenveeW, eb SC[ heerme SJeb keceerMeve
kee kegue eesie nw.
3.1 Classification
3.3 cetueebkeve kee DeeOeej

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW kees Yeeefjle Deewmele
Deefpe&le ueeiele Hej efueee ieee nw, eefo Jen Debefkele cetue mes DeefOeke vener nQ.
efJehejerle efmLeefle ceW Heerefceece kees HeefjHekeJelee keer Mes<e DeJeefOe leke HeefjMeesefOele
efkeee ieee nw.

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW ceW Ssmes ef[yeWej/yeeb[dme
Meeefceue nQ efpevnW mJeHe/Heke=efle keer ef< mes Deefiece ceevee peelee nw (efpevekes
efueS DeefieceeW hej ueeiet Deeefmle JeieeakejCe Deewj HeeJeOeeveerkejCe mebyebOeer Yeejleere
efj]peJe& yeQke kes efJeJeskeHetCe& ceeveob[ ueeiet kejles ngS HeeJeOeeve efkeee ieee nw.)

#es$eere ieeceerCe yeQkeeW ceW, ^s]pejer efyeueeW, keceefMe&eue HesHeme&, Fbefoje efJekeeme-He$e,
efkemeeve efJekeeme He$e Deewj pecee HeceeCe He$e ceW efkeS ieS efveJesMeeW kees jKeeJe
ueeiele DeeOeej hej cetueebkeve efkeee ieee nw.

23.08.2006 kes heeeled cetue eje JeermeerShe keer F&keeFeeW ceW efkeS ieS efveJesMe
kees DeejefcYeke leerve Je<eeX kes efueS heefjhekeJelee leke Oeeefjle esCeer ceW Jeieeake=le
efkeee ieee nw leLee keercele kes DeeOeej hej cetueebkeve efkeee ieee nw. mebefJelejCe
kes leerve Je<eeX kes heeeled FvnW SSheSme ceW Debleefjce kee efoee peeSiee leLee
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej yeepeej efeefvnle jKee peeSiee.

JeeHeej kes efueS Oeeefjle SJeb efyeeer kes efueS GHeueyOe kes He ceW Jeieeake=le
efveJesMe yeepeej efmeHeJeej efeefle efkeee ieee nQ leLee legueve He$e ceW Heleske
esCeer ceW oMee&S ieS HeefjCeeceer Meg cetueeme eefo keesF& nw, kees ueeYe neefve
Keeles ceW mLeeve efoee ieee nw. peye efke Meg cetueJe=ef eefo keesF& nes, kees
es[ efoee ieee nw.

JeeHeej kes efueS Oeeefjle esCeer kes lenle ^spejer efyeueeW ceW eeLeefceke [eruej kes He
ceW cetue yeQke eje efkees iees efveJesMe kee cetueebkeve jKeeJe ueeiele Hej efkeee
ieee nw.

JeeHeej kes efueS Oeeefjle leLee efyeeer kes efueS GHeueyOe esCeer kes efveJesMeeW
kes cetueebkeve kes efueS yee]peej me@ke SkemeeWpe ceW GodOe=le ojW HeeFcejer [erueme&
SmeesefmeSMeve Dee@He FefC[ee (Heer[erSDeeF&) efHekem[ Fvkece ceveer ceekex SC[
[sefjJesefJme SmeesefmeSMeve (SHeDeeF&SceSce[erS) eje Ieesef<ele ojeW kee GHeeesie
efkeee ieee nw.
efpeve efveJesMeeW kes efueS Ssmeer ojW / GodOe=le ojbs GHeueyOe veneR nQ, Gvekee cetueebkeve
Yeejleere efj]peJe& yeQke (DeejyeerDeeF&) eje efveOee&efjle ceeveoC[eW kes Devegmeej efkeee
The Investment portfolio of the Parent and its domestic

subsidiaries is classified in accordance with Reserve
Bank of India guidelines into:
(a) Held to Maturity (HTM) comprising investments

acquired with the intention to hold them till maturity.
(b) Held for Trading (HFT) comprising investments
acquired with the intention to trade.
(c) Available for Sale (AFS) comprising investments
not covered by (a) and (b) above i.e. those which are
acquired neither for trading purposes nor for being held
till maturity.
3.2 Acquisition Cost

Cost of Acquisition of Investments is net of incentives,

front-end fees and commission.
3.3 Basis of Valuation

Investments classified as HTM are carried at weighted

average acquisition cost unless it is more than the face
value, in which case the premium is amortized over the
period remaining to maturity.
Investments classified as HTM includes debentures /

bonds which are deemed to be in the nature of / treated
as advances (for which provision is made by applying
the RBI prudential norms of assets classification and
provisioning applicable to advances).
Investments in Regional Rural Banks, Treasury Bills,

Commercial Papers and Certificates of Deposit which
have been valued at carrying cost.
Parents investment in units of VCFs made after

23.08.2006 are classified under HTM category for initial
period of three years and are valued at cost. After period
of three years from date of disbursement, it will be shifted
to AFS and marked-to-market as per RBI guidelines.
Investments classified as HFT and AFS are marked to

market, scrip-wise and the resultant net depreciation if
any in each category disclosed in the Balance Sheet is
recognized in the Profit and Loss Account, while the net
appreciation, if any, is ignored.
Investments made by the Parent as Primary Dealer in

Treasury Bills under HFT category have been valued at
carrying cost.
For the purpose of valuation of quoted investments in

HFT and AFS categories, the market rates/quotes on
the Stock exchanges, the rates declared by Primary
Dealers Association of India (PDAI)/ Fixed Income
Money Market and Derivatives Association (FIMMDA)/
Foreign Exchange Dealers Association of India (FEDAI)
are used.
Investments for which such rates / quotes are not

available are valued as per norms laid down by Reserve
275
2013-14
Bank of India, which are as under: -
ieee nw pees efvecveevegmeej nQ :-
ke. mejkeejer/Devegceesefole - HeefjHekeJelee DeeOeeefjle Deee Hej

Heelf eYetelf eeeb
Government / Approved
securities
Equity
Shares, PSU
and Trustee
shares
Preference
Shares
Ke. FefkeJeer Mesej,

HeerSmeet SJeb ^mer
Mesej
- veJeervelece legueveHe$e (12 ceen mes DeefOeke
ie. DeefOeceeveer Mesej
- HeefjHekeJelee DeeOeeefjle Deee Hej, mecegefele
Ie. HeerSmeet yee@v[
- mecegefele esef[ mHes[ ceeke&-DeHe kes meeLe
PSU Bonds
Units of
Mutual
Funds
Venture
Capital
Hegjevee veneR) kes Devegmeej efJeMuesef<ele cetue

Hej DeveLee `1 Heefle kebHeveer
esef[ mes[ ceeke&DeHe meefnle
HeefjHekeJelee DeeOeeefjle Deee Hej
* ceg eg D eue He b [ keer - Heb[ eje Heleske mkeerce kes mebyebOe ceW
Ieesef<ele Deeleve HegveKe&jero cetue/Meg
etefveW
Deeefmle cetue SveSJeer Hej
e. Gece Hetbpeer
- uesKee Hejeref#ele legueve He$e kes Devegmeej
. Gece hebtpeer
Yeejleere efj]peJe& yeQke/mesyeer kes efoMee efveoxMeeW

kes Devegmeej Deeefmle hegveefve&ceeCe kebheveer eje
Ieesef<ele SveSJeer
Ieesef<ele SveSJeer peesefke 18 ceen mes peeoe

Hegjeveer ve nes, eefo ueieeleej 18 ceen mes
DeefOeke kes SveSJeer ee uesKee Hejeref#ele
efJeeere Deebke[s GHeueyOe ve neW lees Heefle Gece
Hetbpeer efveefOe (JeerSmeSHe) `1/-
3.4 efveJesMeeW kee efvemleejCe

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW keer efyeeer Hej ueeYe/
neefve kees mebyebefOele efveJesMeeW keer Yeeefjle Deewmele ueeiele/yener cetue kes DeeOeej Hej
ueeYe SJeb neefve Keeles ceW Debefkele efkeee ieee nw SJeb HeefjHekeJelee leke Oeeefjle
JeieeakejCe ceW mebyebefOele efveJesMeeW kes yener cetue kes mecelegue ueeYe kees Heejef#ele
Hetbpeer Keeles ceW efJeefveeesefpele efkeee ieee nw.

SSheSme/SeSheer esCeer kes efveJesMeeW keer efyeeer hej ngF& ueeYe/neefve kees ueeYe
SJeb neefve Keeles ceW efueee ieee nw.
3.5 yeQke kes eje efveJesMeeW kes efueS, efveheeve leejerKe DeeOeej hej mecehe uesKee eCeeueer
kee DevegmejCe efkeee pee jne nw.
3.6 efJeosMeer MeeKeeDeeW ceW efveJesMe kes mecyebOe ceW Yeejleere efj]peJe& yeQke DeLeJee cespeyeeve
osMeeW kes efoMee-efveoxMeeW kee, oesveeW ceW mes pees DeefOeke meK]le neW, kee DevegHeeueve
efkeee ieee nw. Ssmeer MeeKeeDeeW kes ceeceues ceW pees Ssmes osMeeW ceW efmLele nw peneb
keesF& efJeefMe< efoMeeefveoxMe veneR nw, Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kee
Heeueve efkeee ieee nw.
3.7 Fve esefCeeeW kes yeere HeefleYetefleeeW kes DeblejCe keer ieCevee, DeblejCe keer leejerKe
kees Gmekeer DeefOeienCe ueeiele/yener cetue/ yeepeej cetue ceW mes pees Yeer kece nes,
Hej keer ieF& nw Deewj Ssmes DeblejCe kes HeuemJeHe DeeS cetueeme, eefo keesF&
nw, kes efueS HeeJeOeeve efkeee ieee nw.
3.8 osMeer iewjefve<heeoke eefleYetefleeeW mes mebyebefOele Deee kees veneR efueee ieee nw.
Deewj Fve eefleYetefleeeW kes cetue ceW cetueeme kes efueS Yeejleere efj]peye& yeQke kes
efveoxMeevegmeej eeJeOeeve efkeee ieee nw.
3.9 jshees / efjJeme& jshees
yeQke ves Hegve: Kejero leLee HeleeJeefle&le Hegve: Kejero uesveosveeW kees uesKeebefkele
kejves nsleg Yeejleere efj]peJe& yeQke eje yeleeF& ieF& Ske meceeve uesKee HeCeeueer kees
276
Venture
Capital
On Yield to Maturity basis.
At break up value as per the

latest Balance Sheet (not more
than 12 months old), otherwise
Re.1 per company.
On Yield to Maturity basis with
On Yield to Maturity basis with
At the latest repurchase price
/ NAV declared by the Fund in
respect of each scheme.
Declared NAV or break up
NAV as per audited balance
sheet which is not more than
18 months old. If NAV/ audited
financials are not available
for more than 18 months
continuously then at Re. 1/- per
VCF.
Declared NAV by the Asset
Reconstruction Company as per
RBI / SEBI guidelines.

3.4 Disposal of Investment

Profit / loss on sale of investments classified as HTM
is recognized in the Profit and Loss account based on
the weighted average cost / book value of the related
investments and an amount equivalent of profit on sale
of investments in HTM classification is appropriated to
Capital Reserve Account.

Profit /loss on sale of Investment in AFS/HFT category
is recognized in Profit and Loss account.
3.5 The Parent is following uniform methodology of
accounting for investments on settlement date basis.
3.6 In respect of Investments at Overseas Branches,
Reserve Bank of India guidelines or those of the host
countries, whichever are more stringent are followed. In
case of those branches situated in countries where no
guidelines are specified, the guidelines of the Reserve
Bank of India are followed.
3.7 The transfer of a security between these categories
is accounted for at the acquisition cost / book value /
market value on the date of transfer, whichever is the
least, and the depreciation, if any, on such transfer is
fully provided for.
3.8 In respect of domestic non-performing securities,
income is not recognised, and provision is made for
depreciation in the value of such securities as per RBI
guidelines.
3.9 REPO / REVERSE REPO

The Parent has adopted the Uniform Accounting
Procedure prescribed by the RBI for accounting of

DeHeveeee nw. jshees / efjJeme& jshees Keeles ceW Mes<e jeefMe kees efveJesMe Keeles ceW Mes<e
jeefMe keer SJepe ceW meceeeesefpele keer ieF& nw. (Yeejleere efj]peJe& yeQke kes meeLe
eue efveefOe meceeeespeve eespevee (SueSSHe) kes Debleie&le ngS uesveosveeW kees
es[kej). efjHees SJeb efjJeme& efjHees uesveosveeW kees, mencele MeleeX Hej HegveKe&jero
kejves kes mecePeewles kes meeLe mebHeeeqe&ke GOeej/$e+Ce kes He ceW efueee ieee nw.
efjhees kes Devleie&le yeseer ieF& eefleYetefleeeb GvnW efjJeme& efjhees kes lenle efveJesMe Je
Kejeroer ieF& eefleYetefleeeW kes he ceW oMee&ee ieee nw, leLee GvnW efveJesMeeW ceW
Meeefceue veneR efkeee ieee nw. ueeiele leLee jepemJe keer ieCevee yeepe Jee/
Deee pewmee Yeer ceeceuee nes, kes he ceW keer ieF& nw.

Yeejleere efj]peJe& yeQke kes meeLe eueefveefOe meceeeespeve megefJeOee kes lenle Kejeroer
/ efyeeer keer ieF& eefleYetefleeeb efveJesMe Keeles ceW veeces / pecee keer ieeer nQ leLee FvnW
mebJeJenej keer heefjhekeJelee hej efjJeme& kej efoee ieee nw. Fve hej Jee / Deefpe&le
efkees ieS yeepe kees Jee / ueeiele kes he ceW uesKeebefkele efkeee ieee nw.
3.10 [sefjJesefJme :

yeQke Jele&ceeve ceW yeepe ojeW leLee cege [sefjefJeefJme ceW [erue kejlee nw. yeQke eje
JeJeneefjle yeepe oj [sefjefJeefJme ceW Heee yeepe oj mJewHe, efJeosMeer cege yeepeoj
mJesHe leLee HeejJe[& js SieerceWdme Meeefceue nQ. yeQke eje JeJenej ceW ueees peeves
Jeeues cege [sefjJesefJme ceW Dee@HMeve leLee cege mJesHme nQ.
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes DeeOeej Hej, [sefjJesefJme kee cetueebkeve
efvecveevegmeej efkeee peelee nw :
JeJemLee yeeeJe/iewj JeJemLee yeeeJe (ceekex cesefkebie) mebJeJenej Deueie-Deueie

efjkee[& efkees peeles nQ. JeJemLee yeeeJe [sefjJesefJme kees Gheefele DeeOeej Hej
uesKeebefkele efkees peeles nQ. ^sef[bie [sefjJesefJe HeesefpeMevme kees yeepeej efeefvnle
efkeee ieee nw leLee heefjCeeceer neefve, eefo keesF& nes, kees ueeYe-neefve Keeles ceW
ope& efkeee ieee nw. ueeYe, eefo keesF& nes, kees es][ efoee ieee nw. yeepe oj
mJewHe mes mebyebefOele Deee leLee Jee efveheeve leejerKe kees efueee ieee nw. ^sef[bie
mJewHme keer meceeefHle Hej ngS ueeYe/neefve kees meceeefHle efleefLe Hej Deee/Jee kes
He ceW ope& efkeee ieee nw.
cetueebkeve kes GsMe mes kegue mJewhe kes Gefele cetue keer ieCevee Gme jeefMe kes
DeeOeej hej keer ieeer nw pees efke leguevehe$e keer leejerKe kees mJewhe mecePeesleeW mes
mebyebefOele uesve-osve keer meceeefhle hej eehe ee ose nesiee. Fmemes mebyebefOele neefve,
eefo keesF& nes, kes efueS hetCe& eeJeOeeve efkeS ieS nQ peyeefke ueeYe, eefo keesF&
nes, kees es[ efoee ieee nw.
efJeosMeer cege Jeeues [sefjJeserJe mebefJeoeDeeW mes mebyebefOele Deekeefmceke oseleeDeeW kees
leguevehe$e keer leejerKe kees hes[eF& eje DeefOemetefele keueesefpebie efJeefvecee ojeW
hej efjhees& efkeee ieee nw.
4. Deefiece
4.1 cetue mebmLee leLee Fmekeer Iejsuet meneesieer mebmLeeDeeW kes Deefiece ceeveke,
DeJeceeveke, mebefoiOe SJeb neefve DeeefmleeeW kes He ceW Jeieeake=le efkeS ieS nQ Deewj
Fve hej ngF& neefve kes mebyebOe ceW Yeejleere efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe&
ceeveoC[eW kes Devegmeej eeJeOeeve efkeS ieS nQ. efJeosMeer MeeKeeDeeW leLee Deveg<ebefieeeW
eje efkeS ieS Deefece kes mebyebOe ceW DeefeceeW kee JeieeakejCe Yeejleere efj]peJe& yeQke
DeLeJee cespeyeeve osMe, efpemeceW Deefiece efoee ieee nw, Fve ceW mes pees Yeer DeefOeke
meKle nes, kes DevegHe efkeee ieee nw.
2013-14
market Repo and Reverse Repo transactions [other

than the Liquidity Adjustment Facility (LAF) with the
RBI]. Repo and Reverse Repo Transactions are treated
as Collaterised Borrowing / Lending Operations with
an agreement to Repurchase on the agreed terms.
Securities sold under Repo are continued to be shown
under Investments and Securities purchased under
Reverse Repo are not included in Investments. Costs
and revenues are accounted for as interest expenditure
/ income, as the case may be.

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.
3.10 DERIVATIVES

The Parent presently deals in interest rate and currency

derivatives. The interest rate derivatives dealt with by
the Parent are Rupee Interest Rate Swaps, Foreign
Currency Interest Rate Swaps and forward rate
agreements. Currency Derivatives dealt with by the
Parent are Options and Currency swaps.
Based on RBI guidelines, Derivatives are valued as

under:
The hedge / non-hedge (market making) transactions

are recorded separately. Derivative contracts
designated as hedges are not marked to market unless
their underlying asset is marked to market. Trading
derivative positions are marked-to-market (MTM) and
the resulting losses, if any, are recognized in the Profit
and Loss Account. Profit, if any, is ignored. Income
and Expenditure relating to interest rate swaps are
recognized on the settlement date. Gains / losses on
termination of the trading swaps are recorded on the
termination date as income / expenditure.
For the purpose of valuation, the fair value of the total

swap is computed on the basis of the amount that
would be receivable or payable on termination of the
transactions of the swap agreements as on the Balance
Sheet date. Losses arising there from, if any, are fully
provided for while the profits, if any, are ignored.
Contingent Liabilities on account of derivative contracts

denominated in foreign currencies are reported at
closing rates of exchange notified by FEDAI at the
Balance Sheet date.
4 ADVANCES:
4.1 Advances in India of the Parent and Subsidiaries are
classified as Standard, Sub-standard, Doubtful or Loss
assets and Provision for losses are made on these
assets as per Prudential Norms of Reserve Bank
of India. In respect of Advances made in overseas
branches and overseas subsidiaries, Advances are
classified in accordance with stringent of the Prudential
Norms prescribed by the Reserve Bank of India or local
laws of the host country in which advances are made,
whichever is more stringent.
277
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4.2 Deefiece efJeefMe $e+Ce neefve eeJeOeeveeW, Gevle Keeles kes yeepe, Jeeoiemle efJeefJeOe
pecee KeeleeW ceW HeeHle SJeb jKeer ieF& jeefMe, HeeHle keuesce kes efueS efkeS ieS HeeJeOeeve
kes yeeo keer Meg jeefMe nw.
4.3 Hegveefve&Oee&efjle/Hegveie&ef"le KeeleeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes ceeie&
efveoxMeeW kes Devegmeej ceewpetoe cetue MeleeX ceW Deebkes iees yeepe neefveeeW kes efueS
HeeJeOeeve efkeee ieee nw.
4.4 Deeefmle Hegveie&"ve kebHeveer (SDeejmeer)/ eefleYeteflekejCe kebheveer (Smemeer) kees yeseer
ieF& DeeefmleeeW kes ceeceues ceW yeQke, Yeejleere efj]peJe& yeQke eje peejer efkeS ieS
efoMee efveoxMeeW kee heeueve kej jne nw. Jele&ceeve ceW yeQke eje DevegmejCe efkeS
pee jns efoMee efveoxMe es nQ efke eefo efyeeer Meg yener cetue (SveyeerJeer) (DeLee&le
yener cetue IeeSb efkeee ieee eeJeOeeve) mes kece cetue Hej ngF& nw lees keceer kees
oes Je<eeX keer DeJeefOe kes Yeerlej keercele ueeiele Deblej keer DeJeefOe ceW ueeYe neefve
Keeles ceW veeces efkeee peeS. eefo efyeeer cetue, Meg yener cetue keer Dehes#ee
DeefOeke nw lees efpeme Je<e& ceW DeefOeke jeefMe eehle ngF& nw Gme jeefMe kees ueeYe
neefve Keeles ceW efjJeme& kej efoee peeS.
4.2 Advances are net of specific loan loss provisions,

interest suspense; amount received and held in
suit-filed Sundry Deposit and Claims Received.
4.3 In respect of Rescheduled / Restructured accounts,
Provision for diminution in fair value of restructured
advances is measured in present value terms as per
RBI guidelines.
4.4 In case of financial assets sold to Asset Reconstruction
Company (ARC)/ Securitization Company (SC), the
bank is following the guidelines issued by Reserve
Bank of India. At present, the guideline followed by the
Bank is that if the sale is at a price below the net book
value (NBV), (i.e. Book value less provisions held) the
shortfall is debited to the profit and loss account spread
over a period of two years. If the sale value is higher
than the NBV, excess provision is reversed to profit &
loss account in the year the amounts are received.
5. Deeue Deeefmleeeb
5.
5.1 Hegvecet&ueebefkele HeefjmejeW kees es[kej, Heefjmej Je Deve Deeue Deeefmleeeb

meeceevele: HejcHejeiele ueeiele Hej ueer ieF& nQ, Hegvecet&ueebkeve Hej ngF& Je=ef
kees Hetbpeeriele Heejef#ele efveefOe ceW pecee efkeee ieee nw. Ssmeer ye{er ngF& jeefMe Hej
cetueeme nsleg efkeS ieS HeeJeOeeve kees FmeceW mes Iee efoee ieee nw.
5.2 Heefjmej ceW Yetefce leLee efvecee&CeeOeerve YeJeve kee meceeJesMe nQ.
5.2
Premises include Land and Building under construction.
6.
RESERVES AND SURPLUS:
Revenue and other Reserves include Statutory

Reserves created by foreign branches as per applicable
local laws of the respective countries.
7.
1.
REVENUE RECOGNITION:
Income (other than item referred in Paragraph 7.2)/
expenditure is generally recognised on accrual basis.
In case of foreign offices, income/ expenditure is
recognised as per the local laws of the country in which
the respective foreign office is located.
Income by way of Fees, Commission other than on
Government business, Commission on Guarantees,
Letter of Credits, Exchange, Brokerage and interest on
Advance Bills are accounted for on realisation basis.
Dividend on shares in subsidiaries, joint ventures and
associates is accounted on realisation basis.
In view of uncertainty of collection of income in cases
of Non-performing Assets/ Investments, such income
is accounted for only on realization in terms of the RBI
guidelines.
Lease payments including cost escalation for assets
taken on operating lease are recognised in the Profit
and Loss Account over the lease term in accordance
with the AS 19 (Leases) issued by ICAI.
6. Heejef#ele efveefOeeeb SJeb DeefOeMes<e

jepemJe SJeb Deve Heejef#ele efveefOeeeW ceW mecye osMeeW ceW Heeefuele mLeeveere
keevetveeW kes Devegmeej efJeosMeer MeeKeeDeeW eje efveefce&le meebefJeefOeke Heejef#ele efveefOeeeW
kees Meeefceue efkeee ieee nw.
7. jepemJe kee efveOee&jCe

1. Deee (HewjeeeHe 7.2 ceW GequueefKele ceo mes efYeVe) / Jee kee efveOee&jCe meeceevele
GHeee DeeOeej Hej efkeee ieee nw. efJeosMeer keeee&ueeeW kes ceeceues ceW mecye
osMe peneb efJeosMeer keeee&uee efmLele nw, mLeeveere efveeceeW kes lenle Deee kee
efveOee&jCe efkeee ieee nw.
2. MegukeeW kes ceeOece mes HeeHle Deee, mejkeejer keejesyeej kees es[kej keceerMeve,
ieejber, meeKehe$e hej keceerMeve, efJeefvecee, oueeueer leLee Deefleose efyeueeW/Deefiece
efyeueeW Hej yeepe kees JeemleefJeke Jemetueer DeeOeej Hej efnmeeye ceW efueee ieee nw.
Deveg<ebefieeeW, mebegkele GeceeW leLee meneesieer FkeeFeeW ceW MesejeW ceW ueeYeebMe kees
Jemetueer DeeOeej Hej efnmeeye ceW efueee ieee nw.
3. iewj efve<Heeefole DeefieceeW leLee efveJesMeeW kes ceeceueeW ceW Deee keer Jemetueer keer
Deefveefelelee kes keejCe Ssmeer Deee Yeejleere efj]peJe& yeQke ceeie&efveoxMeeW kes
Devegmeej kesJeue Jemetue nesves Hej ner uesKeebefkele keer ieF& nw.
4. Heefjeeueve ueerpe Hej ueer ieF& DeeeqmleeeW kes efueS ueeiele Je=ef meefnle ueerpe
YegieleeveeW kees DeeF&meerSDeeF& eje peejer SSme 19 (ueerpe) kes Devegmeej ueerpe
ce& Hej ueeYe SJeb neefve uesKee ceW efnmeeye ceW efueee peelee nw.
5.1 Premises and other fixed assets are stated at historical

cost except revalued premises which are stated at
revalued amount. The appreciation on such revaluation
is credited to Capital Reserve and the depreciation
provided thereon is deducted there from.
2.
3.
4.
8. peerJeve yeercee kecHeveer

1. heerefceece Deee

ose nesves hej heerefceece (mesJee kej kee efveJeue) kees Deee kes he ceW efnmeeye ceW
efueee peelee nw. menJeleea JeJemeee kes efueS peye meneesieer FkeeFeeb me=efpele
keer peeleer nQ, heerefceece kees ieCevee ceW efueee peelee nw. e@he-Dehe heerefceece kees
Skeue heerefceece kes he ceW mecePee peelee nw.

Jeheiele heeefueefmeeeW hej heerefceece kees leye Deee kes he ceW efueee peelee nw
peye Ssmeer hee@efueefmeeeb hegve: eeuet keer peeleer nQ.
278
FIXED ASSETS:
8
1.

Life Insurance company:

Premium Income:
Premium (net of service tax) is recognised as income
when due. For linked business, premium is recognised
when the associated units are created. Top up premiums
are considered as single premium.
Premium on lapsed policies is recognised as income
when such policies are reinstated.
2013-14
hegveyeeacee nesves hej heehle keceerMeve kees Gme DeJeefOe ceW Deee kes he ceW eEnmeeye
ceW efueee peelee nw peye hegveyeeacee heerefceece heehle neslee nw.
Commission received on reinsurance ceded is

recognised as income in the period in which reinsurance
premium is ceded.
2. eEueke[ efveefOeeeW mes Deee

eEueke[ efveefOeeeW, efpemeceW heerefceece Deeyebve heYeej, heeefuemeer heMeemeefveke
heYeej, cees&efueer heYeej, efveefOe heyebOeve heYeej Fleeefo Meeefceue nQ, mes eehle
Deee kees peejer keer ieF& hee@efuemeer keer MeleeX SJeb efveeceeW kes Devegmeej eEueke[
efveefOeeeW mes Jemetue efkeee peelee nw.
2.

Income from linked funds:

Income from linked funds which includes premium
allocation charges, policy administrative charges,
mortality charges, fund management charges etc. are
recovered from the linked funds in accordance with the
terms and conditions of policies issued.
3. hegveyeeacee heerefceece

hegveyeeacee keer ueeiele kees yeerceekelee& kes meeLe keer ieF& Mele& DeLeJee efmeeblele:
JeJemLee kes Devegmeej heerefceece Deee kes efveOee&jCe kes mecee efnmeeye ceW efueee
peelee nw. hegveyeeacee hej ueeYe keceerMeve, hegveyeeacee mes heehle heerefceece hej
meceeeesefpele efkeee peelee nw.
3.

Reinsurance Premium:
Cost of reinsurance ceded is accounted for at the time
of recognition of premium income in accordance with
the treaty or in-principle arrangement with the reinsurer.
Profit commission on reinsurance ceded is netted off
against premium ceded on reinsurance.
4. heoe ueeYe (oeJeeW meefnle)

heoe ueeYeeW ceW hee@efuemeer ueeYe leLee oeJee efveheeve ueeiele, eefo keesF& nes,
Meeefceue nQ.
ce=leg, DevegJe=ef (jeF[j) leLee DeYehe&Ce oeJeeW kees metevee heehle nesves hej
efnmeeye ceW efueee peelee nw.
GejpeerJeer ueeYe oeJeeW leLee heefjhekeJelee oeJeeW kees ose nesves hej ieCevee ceW
efueee peelee nw.

eEueke[ heeefueefmeeeW kes lenle DeenjCeeW leLee DeYehe&CeeW kees mebyebefOele eespeveeDeeW
ceW leye efnmeeye ceW efueee peelee nw. peye Deveg<ebieer etefveW efvejmle nes peeleer nw.
oeJeeW hej hegveyeeacee Jemetueer kees mebyebefOele oeJeeW keer Gmeer DeJeefOe ceW efnmeeye ceW
efueee peelee nw.
5. DeefOeienCe ueeiele

DeefOeienCe ueeie Ssmeer ueeiele nw pees efYeVe-efYeVe nesleer nQ Deewj yeercee mebefJeoeDeeW
kes DeefOeienCe mes cegKele: meceye nesleer nQ Deewj Jee nesles nQ peesefke KeeX
keer DeJeefOe mes mebye nesles nw.
4.

Benefits paid (including claims):

Benefits paid comprise of policy benefits & claim
settlement costs, if any.
Death, rider & surrender claims are accounted for on

receipt of intimation.
Survival benefit claims and maturity claims are

accounted for when due.
Withdrawals & surrenders under linked policies are

accounted for in the respective schemes when the
associated units are cancelled. Reinsurance recoveries
on claims are accounted for, in the same period as the
related claims.
5.

Acquisition Costs:
Acquisition costs are costs that vary with and are
primarily related to acquisition of insurance contracts
and are expensed in the period in which they are
incurred.
6.

Liability for life policies:

Actuarial liabilities of the company have been calculated
in accordance with the requirements of insurance
Act.1938, Insurance Regulatory and Development
Authority (Assets, Liabilities, and Solvency Margin of
Insurers) Regulations, 2000, Guidance Notes issued by
Institute of Actuaries of India and generally established
actuarial practices.
6. peerJeve yeercee heeefueefmeeeW kes efueS oselee

kebheveer keer yeerceebefkeke oseleeDeeW keer yeercee DeefOeefveece 1938, yeercee
efveeeceke leLee efJekeeme heeefOekejCe (Deeeqmleeeb, oseleeSb leLee yeerceekelee&DeeW
kes meesueJeWmeer ceee|peve) efJeefveeceve, 2000, Yeejleere yeerceebefkeke mebmLeeve eje
peejer efoMee-efveoxMe vees leLee meeceevele: mLeeefhele yeerceebefkeke heefleeeW kes
Devegmeej ieCevee keer peeleer nw.
7. efveJesMe
yeercee DeefOeefveece, 1938, yeercee efJeefveeeceke leLee efJekeeme heeefOekejCe
(efveJesMe) efJeefveeceve, 2000, yeercee efJeefveeeceke leLee efJekeeme heeefOekejCe
(efveJesMe) (mebMeesOeve) efJeefveeceve, 2001 leLee mecee-mecee hej DeeF&Deej[erS
eje peejer efkeS ieS heefjhe$eeW / DeefOemeteveeDeeW kes Devegmeej efveJesMe efkeee
peelee nw.
7. Investments:

Investments are made in accordance with the Insurance
Act, 1938, the Insurance Regulatory and Development
Authority (Investment) Regulations, 2000, the insurance
regulatory and Development Authority (investment)
(Amendment) Regulations, 2001 and various other
circulars / notifications issued by the IRDA in this context
from time to time.
9. kece&eejer ueeYe
9.
9.1 YeefJe<e efveefOe
9.1 PROVIDENT FUND
yeQke Dee@He ye[ewoe HeerSHe efveeceeW kes Devegmeej YeefJe<e efveefOe Ske meebefJeefOeke
oeefelJe nw efpemekes lenle yeQke hetJe&efveOee&efjle ojeW hej efveefele DebMeoeve kee
Yegieleeve kejlee nw. yeQke keer yeeOelee Ssmes efveefele DebMeoeve leke ner meerefcele
nw. DebMeoeveeW kees ueeYe/neefve Keeles ceW eYeeefjle efkeee peelee nw. efveefOeeebs kee
eyebOeve yeQke Dee@He ye[ewoe YeefJe<e efveefOe veeme eje efkeee peelee nw
EMPLOYEES BENEFITS:
Provident fund is a statutory obligation as per Bank of
Baroda PF Rules as the Bank pays fixed contribution
at pre-determined rates.The obligation of the Bank
is limited to such fixed contribution. The contributions
are charged to Profit and Loss Account. The fund is
managed by Bank of Baroda Provident Fund Trust.
279
2013-14
9.2 eseter

9.2 GRATUITY
Gratuity liability is a statutory obligation as per Bank
of Baroda Gratuity Fund Rules and Regulations and is
provided for on the basis of an actuarial valuation made
at the end of the financial year. The gratuity liability is
funded by the bank and is managed by Bank of Baroda
Gratuity Fund Trust.
yeQke Dee@He ye[ewoe eseter efveefOe efveeceeW SJeb efJeefveeceebs kes Devegmeej eseter
oselee Ske meebefJeefOeke oeefelJe nw Deewj Fmekes mebyebOe Je<e& keer meceeefhle ceW
yeerceebefkeke cetueebkeve kes DeeOeej hej eeJeOeeve efkees peeles nw. yeQke eje eespevee
kes efueS efveefOe GheueyOe kejeeer peeleer nw SJeb Fmekee eyebOeve yeQke Dee@He ye[ewoe
eseter efveefOe ^m eje efkeee peelee nw.
9.3 heWMeve
9.3 PENSION
9.3.1 Pension liability is a defined benefit obligation
under Bank of Baroda Employees Pension
Regulations 1995 and is provided for on the basis
of actuarial valuation made at the end of the
financial year, for the employees who have joined
Bank up to 31.03.2010 and opted for pension.
The pension liability is funded by Bank of Baroda
(Employees) Pension Fund Trust.
9.3.1 yeQke Dee@He ye[ewoe kece&eejer heWMeve efJeefveece 1995 kes Deble&iele heWMeve
oselee Ske efveefele efnleyeeOelee nw Deewj Fmekes mebyebOe efJee Je<e& keer
meceeefhle ceW mebefele cetueebkeve kes DeeOeej hej eeJeOeeve efkees peeles nQ.
en Gve kece&eeefjeeW kes efueS nw efpevnesves 31.3.2010 leke yeQke mesJee
enCe keer Deewj HeWMeve kee efJekeuHe efueee. yeQke Dee@He ye[ewoe (kece&eejer)
HesbMeve efveefOe veeme eje eespevee kes efueS efveefOe GheueyOe kejeeer peeleer
nw .

9.3.2 veF& HeWMeve eespevee, pees efke yeQke ceW 1.4.2010 kees DeLeJee Fmekes Heeele
mesJee ceW Deeves Jeeues kece&eeefjeeW Hej ueeiet nesleer nw, Ske HeefjYeeef<ele
DebMeoeeer eespevee nw. yeQke HetJe& efveOee&efjle oj Hej efveeqele DebMeoeve kee
Yegieleeve kejlee nw. yeQke kee oeefelJe kesJeue efveOee&efjle DebMeoeve leke ner
meerefcele nw. DebMeoeve kees ueeYe SJeb neefve Keeles ceW eYeeefjle efkeee peelee
nw.
9.4 DevegheefmLeefle #eeflehetefle&

9.3.2 New Pension Scheme which is applicable to

employees who joined bank on or after 01.04.2010
is a defined contribution scheme, Bank pays
fixed contribution at pre determined rate and the
obligation of the Bank is limited to such fixed
contribution. The contribution is charged to Profit
and Loss Account.
9.4 COMPENSATED ABSENCES
Accumulating compensated absences such as Privilege
Leave and Sick Leave are provided for based on
mebefele DevegheefmLeefle #eeflehetefle&eeW pewmes efke Deefpe&le DeJekeeMe (heerSue) leLee iCe
DeJekeeMe kees yeerceebefkeke cetueebkeve kes DeeOeej hej eoeve efkeee peelee nw.
9.5 Deve kece&eejer ueeYe

Deve kece&eejer ueeYe pewmes efke ger vekeoerkejCe, ger efjeeele efkejeee
(SueShemeer), Deewj mesJeeefveJe=efle Hej Deefleefjkele mesJeeefveJe=efle ueeYe Fleeefo kees
yeerceeefkeke cetueebkeve kes DeeOeej hej eoeve efkeee peelee nw.
efJeosMeer MeeKeeDeeW SJeb keeee&ueeeW kes mebyebOe ceW kece&eeefjeeW mes mebyebefOele ueeYeeW
kees, eefleefveegefe hej ieS kece&eeefjeeW kees es[, mebyeb osMe ceW ueeiet keevetve
kes DeeOeej hej cetueebefkele leLee uesKeeke=le efkeee peelee nw.
9.5 OTHER EMPLOYEE BENEFITS

Other Employee benefits such as Leave Encashment,
Leave Fare Concession and Additional Retirement
Benefit on Retirement are provided for based on
In respect of overseas branches and offices, the benefits
in respect of employees other than those on deputation
are valued and accounted for as per laws prevailing in
the respective territories.
10. cetueeme
10.
10.1 Yeejle ceW Deeue DeeefmleeeW hej cetueeme (veeres efoS ieS hewje 10.3 SJeb
10.4 ceW meboefYe&le kees es[) kebheveer DeefOeefveece 1956 keer Devegmeteer XIV kes
Devegmeej cetueeefmele yener cetue Heefle kes DeeOeej hej, hegvecet&efuele Deeefmle
kees es[ - efpemekes mebyebOe ceW Fve hegvece&tefuele DeeefmleeeW keer Devegceeefvele
Gheeesefielee DeJeefOe kes DeeOeej hej peeoe cetueeme efkeee peelee nw, eoeve
efkeee ieee nw.
10.1 Depreciation on Fixed Assets in India [other than those

referred to in Para 10.3 & 10.4] is provided on the written
down value method in accordance with Schedule XIV to
the Companies Act, 1956, except in case of revalued
assets, in respect of which higher depreciation is
provided on the basis of estimated useful life of these
revalued assets.
10.2 Yeejle mes yeenj Deeue DeeefmleeeW hej cetueeme (veeres efoS ieS hewje 10.3 ceW
meboefYe&le kees es[) mLeeveere keevetve DeLeJee mebye osMe ceW eeefuele hejbhejeDeeW
kes Devegmeej eoeve efkeee peelee nw.
10.2 Depreciation on Fixed Assets outside India [other than

those referred to in Para 10.3 below] is provided as
per local laws or prevailing practices of the respective
territories.
10.3 kecHetjeW leLee meeHeJesej pees Yeejle Deewj Yeejle mes yeenj kebcHetj ne[&Jesej
kee DeefveJeee& Debie nQ, GveHej cetueeme Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW
kes Devegmeej m^s ueeFve efJeefOe mes 33.33% eefleJe<e& keer oj mes Heoeve efkeee
ieee nw. kebHetj meeHeJesej pees ne[&Jesej kee DeefveJeee& Debie veneR nw hej
cetueeme Kejero Je<e& kes oewjeve ner kej efoee ieee nw.
10.3 Depreciation on Computers and Software forming an

integral part of Computer Hardware, in and outside India
is provided on Straight Line Method at the rate of 33.33%
p.a, as per the guidelines of RBI. Computer software not
forming an integral part of hardware is charged directly
to Profit and Loss Account.
280
DEPRECIATION:

10.4 SerSce Hej cetueeme 20% eefleJe<e& keer oj mes mejue heefle (m^s ueeFve)
mes Heoeve efkeee peelee nw.
10.5 HeefjJe&veeW Hej cetueeme kee mebHetCe& Je<e& kes efueS HeeJeOeeve efkeee ieee nw. peye
efke yeses ieS/efvemleeefjle efkeS ieS Je<e& ceW cetueeme kee keesF& HeeJeOeeve veneR
efkeee ieee nw.
10.6 Heeke=le Yetefce SJeb heeke=le heefjmej mebyebOeer megOeejeW keer ueeiele kee Hes keer
DeJeefOe kes oewjeve HeefjMeesOeve efkeee ieee nw.
11. DeeefmleeeW keer #eefle

Deeue DeeefmleeeW keer #eefle, (hegvece&tueebefkele DeeefmleeeW meefnle) eefo keesF& nes,
kee efveOee&jCe Yeejleere meveoer uesKeekeej mebmLeeve eje Fme mebyebOe ceW peejer
uesKee ceeveke 28 (DeeefmleeeW keer #eefle) kes Devegmeej efkeee peelee nw Deewj ueeYe
neefve Keeles kees eYeeefjle efkeee peelee nw.
12. efJeosMeer cege mebJeJenej

12.1 efJeosMeer cege mes mebyebefOele mebJeJenejeW kee uesKeebkeve Yeejleere meveoer uesKeekeej
mebmLeeve eje efJeosMeer cege oj ceW HeefjJele&veeW kes HeYeeJe Hej peejer uesKee ceeveke
11 kes DevegHe efkeee ieee nw.
12.2 uesKee ceeveke SSme-11 kes Heeespeve kes efueS yeQke kes cetue SJeb Deveg<ebieer efJeosMeer
cege HeefjeeueveeW kees (ke) Skeerke=le Heefjeeueve SJeb (Ke) Demeceekeefuele HeefjeeueveeW
kes He ceW Jeieeake=le efkeee ieee nw. cetue mebmLee keer meYeer efJeosMeer MeeKeeDeeW,
Dee@HeMeesj yeQekf ebie FkeeFeeW, efJeosMeer Deveg<ebeif eeeW kees Demeceekeefuele Heefjeeueve SJeb
efJeosMeer cege kes Iejsuet heefjeeueveeW SJeb Heelf eefveefOe keeee&ueeeW kees Skeerke=le Heefjeeueve
SJeb Heelf eefveefOe keeee&ueeeW kees Skeerke=le Heefjeeueve kes He ceW ceevee ieee nw.
12.3 Skeerke=le HeefjeeueveeW kes mebyebOe ceW mebJeJenej

(ke) mebJeJenejeW kees HeeLeefceke leewj Hej Hes[eF& eje metefele keer ieF& Deewmele
meeHleeefnke ojeW Hej efjkee[& efkeee ieee nw.

(Ke) efJeosMeer cege efJeefvecee mes mebyebefOele Deeefmle SJeb oseleeDeeW (Deekeefmceke
oseleeDeeW meefnle) kees Hes[eF& eje Heleske efleceener kes Deble ceW metefele
keer ieF& keueesefpebie mHee ojeW Hej mebJeJenej efkeee ieee nw.

(ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Deee DeLeJee Jee kes He ceW keer
ieF& nw leLee FvnW leovegmeej ueeYe neefve Keeles ceW uesKeebkeve efkeee ieee
nw. efJeosMeer cege Deeefmle oseleeDeeW mebyebOeer efkemeer Yeer Yegieleeve DeLeJee
efjJeme&ue kees efHeues meHleen keer Deewmele keueesefpebie ojeW kes DeeOeej Hej
efkeee ieee nw leLee yekeeee jeefMe SJeb Gme jeefMe efpemekes efueS Yegieleeve
efkeee ieee nw/efjJeme&ue efkeee ieee nw, kes yeere kes Deblej kees ueeYe neefve
Keeles ceW oMee&ee ieee nw.

(Ie) leguevehe$e keer leejerKe kees yekeeee SJeb ês [f ib e kes efueS heeefjle efJeosMeer cege
mhee@ SJeb Jeeeoe mebeJf eoeDeeW kees eceMe: Hes[eF& eje DeefOemetef ele meceeefhle
mhee@ SJeb Jeeeoe ojeW hej leLee Debleefjce heefjhekeJelee Jeeueer mebeJf eoeDeeW kees
Fbjheesues[s ojeW hej hegvece&et uf ele efkeee ieee nw. heefjCeeceer Jeeeoe cetueebkeve
ueeYe DeLeJee neefve kees ueeYe SJeb neefve Keeles ceW Meeefceue efkeee ieee nw.
12.4 Demeceekeefuele HeefjeeueveeW kes mebyebOe ceW mebJeJenej
(ke) DeeefmleeeW SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) kees Hes[eF& eje
Heleske efleceener kes Deble ceW metefele keer ieF& keueesefpebie mHee ojeW Hej
mebJeJenej efkeee ieee nw.

(Ke) leguevehe$e keer leejerKe kees yekeeee SJeb ês [f ib e kes efueS heeefjle efJeosMeer cege
mhee@ SJeb Jeeeoe meehes#e oseleeDeeW kees eceMe: Hes[eF& eje DeefOemetef ele
meceeefhle mhee@ SJeb JeeeoeojeW hej leLee Debleefjce heefjhekeJelee Jeeueer mebeJf eoeDeeW
kees Fbjheesues[s ojeW hej hegvece&et uf ele efkeee ieee nw.
(ie) Deeceoveer SJeb KeeeX kees Hes[eF& eje Heleske efleceener kes Deble ceW metefele
keer ieF& Deewmele efleceener ojeW Hej mebJeJenej efkeee ieee nw.
2013-14
10.4 Depreciation on ATMs is provided on Straight Line

Method at the rate of 20% p.a.
10.5 Depreciation on additions is provided for full year and no
depreciation is provided in the year of sale / disposal.
10.6 Cost of leasehold land & leasehold improvements are
amortised over the period of lease.
11. IMPAIRMENT OF ASSETS:

Impairment losses (if any) on Fixed Assets (including
revalued assets) are recognized in accordance with
the AS 28 (Impairment of Assets) issued by ICAI and
charged off to Profit and Loss Account.
12. FOREIGN CURRENCY TRANSACTIONS:
12.1 Accounting for transactions involving foreign exchange
is done in accordance with AS 11, (The Effects of
Changes in Foreign Exchange Rates), issued by ICAI.
12.2 As stipulated in AS-11, the foreign currency operations
of the Parent and its Subsidiaries are classified as a)
Integral Operations and b) Non Integral Operations. All
Overseas Branches, Offshore Banking Units, Overseas
Subsidiaries of Parent are treated as Non Integral
Operations; and Domestic Operations in Foreign
Exchange and Representative Offices are treated as
Integral Operations.
12.3 Translation in respect of Integral Operations:
a. The transactions are initially recorded on weekly
average rate as advised by FEDAI.
b. Foreign Currency Assets and Liabilities (including
contingent liabilities) are translated at the closing
spot rates notified by FEDAI at the end of each
quarter.
c. The resulting exchange differences are recognized
as income or expenses and are accounted through
Profit and Loss Account. Any reversals / payment
of foreign currency assets & liabilities is done at
the weekly average closing rate of the preceding
week and the difference between the outstanding
figure and the amount for which reversal / payment
is made, is reflected in Profit and Loss Account.
d. Foreign exchange spot and forward contracts
outstanding as at the balance sheet date and
held for trading, are revalued at the closing spot
and forward rates respectively notified by FEDAI
maturities. The resulting forward valuation profit or
loss included in the Profit and Loss Account.
12.4 Translation in respect of Non Integral Operations:
a. Assets and Liabilities (including contingent
liabilities) are translated at the closing spot rates
notified by FEDAI at the end of each quarter.
b. Foreign Exchange Spot and Forward contingent
liabilities outstanding as at the balance sheet date
are translated at the closing spot and forward rates
respectively notified by FEDAI and at interpolated
rates for contracts of interim maturities.
c. Income and Expense are translated at quarterly
average rate notified by FEDAI
at the end of
each quarter.
281
2013-14
d. The resulting exchange differences are not

(Ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Gme DeJeefOe kes efueS Deee
recognized as income or expense for the period
DeLeJee Jee kes He ceW veneR keer ieF& nw leLee Fmes Meg efveJesMeeW kes
but accumulated in a separate account Foreign
efvemleejCe nesves leke Deueie mes Ske Keeles efJeosMeer cege mebJeJenej
Currency Translation Reserve till the disposal of
Heejef#ele efveefOe ceW jKee ieee nw.
the net investment.
12.5
Jeeeoe efJeefvecee mebbefJeoe
12.5 Forward Exchange Contracts

uesKee ceeveke SSme 11 leLee Yeejleere efJeosMeer cege Jeeheejer mebIe
In accordance with the guidelines of FEDAI and the
provisions of AS 11, Foreign exchange spot and forward
(Hes[eF&) kes efoMeeefveoxMeeW kes Devegmeej Jeeheej nsleg Oeeefjle yekeeee
contracts outstanding as at the balance sheet date and
efJeosMeer cege neefpej (mhee@) SJeb Jeeeoe mebefJeoeDeeW kees legueve he$e keer
held for trading, are revalued at the closing spot and
efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej SJeb Jeeeoe yeepeej
forward rates respectively notified by FEDAI and at
mebefJeoeDeeW SJeb Devleefjce heefjhekeJelee mebefJeoeDeeW kees Fvjheesues ojeW
interpolated rates for contracts of interim maturities. The
hej hegvecet&ueebefkele efkeee peelee nw. Fmekes HeuemJehe Jeeeoe cetueebkeve
resulting forward valuation profit or loss is included in
ueeYe DeLeJee neefve kees ueeYe-neefve Keeles ceW Meeefceue efkeee peelee nw.
the Profit and Loss Account.
13. Deee Hej kej

13
FmeceW Yeejleere meveoer uesKeekeej mebmLee (DeeF&meerSDeeF&) kes uesKeebkeve ceeveob[

22 kes Devegmeej efveOee&efjle (mecye DeJeefOe kes efueS uesKee Deee leLee kejeesie
Deee kes yeere Devlej mes kejeW kes HeYeeJe kees oMee&les ngS) Deeekej kes efueS
HeeJeOeeve, DeemLeefiele kej DeLeJee esef[ Meeefceue nQ. DeemLeefiele kej kees,
Deeceoveer SJeb Kee& keer Gve ceoeW kes mebyebOe ceW pees efkemeer Ske mecee efyebog hej
efveOee&efjle nesleer nw Deewj pees Ske DeLeJee DeefOeke HejJeleea DeJeefOeeeW ceW HeleeJele&ve
eesie nQ, efJeJeskeHetCe& veerefle kes DeOeOeerve efnmeeye ceW efueee peelee nw. DeemLeefiele
kej DeeefmleeeW SJeb oseleeDeeW keer ieCevee DeefOeefveeefcele kej ojeW Hej, Gve Je<eeX
keer DeHesef#ele ojeW Hej keer peeleer nw efpeve Je<eeX ceW mecee DeblejeueeW kes efjJeme&
kejves keer mebYeeJevee nesleer nw. DeemLeefiele kej oseleeDeeW SJeb DeeefmleeeW hej kej
keer ojeW ceW HeefjJele&ve ngS eYeeJe kees Gme DeJeefOe keer Deee efJeJejCeer, efpemeceW
Ssmes HeefjJele&ve kees ueeiet efkeee ieee nw, kes DeeOeej hej efnmeeye ceW efueee peelee
nw.
14. Heefle Mesej Depe&ve

14
yeQke eje DeHeves yesefmeke SJeb [eFuets[ Heefle F&efkeJeer Mesej Depe&ve kees
Yeejleere meveoer uesKeekeej mebmLeeve kes Fme mebyebOe ceW peejer uesKee ceeveke
20 (Heefle Mesej Depe&ve) kes Devegmeej efjHees& efkeee ieee nw. yesefmeke Heefle
Mesej Depe&ve keer ieCevee Meg Deee kees DeJeefOe kes efueS yekeeee Yeeefjle
Deewmele F&efkeJeer MesejeW keer mebKee mes efJeYeeefpele kej ueer ieF& nw. [eFuets[
Heefle Mesej Depe&ve keer ieCevee Meg Deee kees Gme DeJeefOe kes efueS yekeeee
Yeeefjle FefkeJeer MesejeW SJeb Fme DeJeefOe kes oewjeve [eeuets[ F&efkeJeer
MesejeW keer mebKee ceW ieCevee keer ieF& nw.
15. HeeJeOeeve, Deekeefmceke oseleeSb Je Deekeefmceke Deeefmleeeb
This comprises of provision for Income tax and deferred

tax charge or credit (reflecting the tax effects of timing
differences between accounting income and taxable
income for the period) as determined in accordance with
AS 22 (Accounting for taxes on Income) issued by ICAI.
Deferred tax is recognised subject to consideration of
prudence in respect of items of income and expenses
those arise at one point of time and are capable of
reversal in one or more subsequent periods. Deferred
tax assets and liabilities are measured using enacted
tax rates expected to apply to taxable income in the
years in which the timing differences are expected to
be reversed. The effect on deferred tax assets and
liabilities of a change in tax rates is recognised in the
income statement in the period of enactment of the
change.
EARNINGS PER SHARE:
The Parent reports basic and diluted earnings per
equity share in accordance with the AS 20 (Earnings
per Share) issued by the ICAI. Basic earning per equity
share has been computed by dividing net income by the
weighted average number of equity shares outstanding
for the period. Diluted earning per equity share has been
computed using the weighted average number of equity
shares and dilutive potential equity shares outstanding
during the period.
15 PROVISIONS, CONTINGENT
CONTINGENT ASSETS:
Yeejleere meveoer uesKeekeej mebmLeeve kes Fme mebyebOe ceW peejer uesKee ceeveke
29 (Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes efueS HeeJeOeeve)
kes Devegmeej yeQke eje Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes
efueS HeeJeOeeve efJeiele ceW ngF& efkemeer Ievee mes GlHevve ngS Jele&ceeve oeefelJe
kes efueS efkeee ieee nw. en mebYeJe nw efke Fme oeefelJe kes efvemleejCe
kes efueS DeeefLe&ke mebmeeOeveeW keer DeeJeMekelee nes Deewj leye Fme oeefelJe
nsleg jeefMe kee efJeMJemeveere cetueebkeve efkeee pee mekes.
peye leke DeeefLe&ke ueeYe kes mebmeeOeveeW kes DeeGHeuees keer mebYeeJevee Deele#e
ve nes leye leke Deekeeqmceke oseleeDeeW kee ekeerkejCe efkeee peelee nw.
Deekeefmceke DeeefmleeeW kees efJeeere efJeJejCe veneR ceevee ieee nw. keeeWefke
en Ssmeer Deee kes efveOee&jCe kes HeuemJehe nes mekelee nw, efpemekeer Jemetueer
veneR nes mekeleer nw.
282
TAXES ON INCOME:
LIABILITIES
AND
As per the AS 29 (Provisions, Contingent Liabilities

and Contingent Assets) issued by ICAI, the Parent
recognizes provisions 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.
Contingent liability is disclosed unless the possibility of
an outflow of resources embodying economic benefit is
remote.
Contingent Assets are not recognized in the financial
statements since this may result in the recognition of
income that may never be realised.
2013-14
Devegmeteer - 19 : 31 ceee& 2014 kees meceehle efJeeere Je<e& keer mecesefkele efJeeere efJeJejefCeeeW hej vees
Schedule-19 - Notes on the Consolidated Financial Statements for the year ended 31st March 2014
1. mecesefkele efJeeere efJeJejCeer (meerSHeSme) ceW yeQke Dee@]he ye[ewoe (cetue mebmLee) leLee
efvecveefueefKele Deveg<ebefieeeW/meneesieer FkeeFeeW/mebege GeceeW kes HeefjCeece
Meeefceue nQ.
1.
1.1 Deveg<ebefieeeb
1.1
1.1.1 osMeere Deveg<ebefieeeb

ke)
yeQefkebie
1) vewveerleeue yeQke efue.
Ke) iewj yeQefkebie
i) yee@ye kewefHeue ceekex efue.
ii) yee@ye kee[&me efue.
1.1.2 efJeosMeer Deveg<ebefieeeb
ke) yeQefkebie
i) yeQke Dee@He ye[ewoe (yeeslmeJeevee) efue.
ii) yeQke Dee@He ye[ewoe (kesvee) efue.
iii) yeQke Dee@He ye[ewoe (etieeb[e) efue.
iv) yeQke Dee@He ye[ewoe (iegeevee) DeeFSvemeer
v) yeQke Dee@He ye[ewoe (lebpeeefveee) efue.
vi) yeQke Dee@He ye[ewoe ef$eefveoeo SJeb
esyesiees efueefces[
vii) yeQke Dee@He ye[ewoe (Ieevee) efue.
viii) yeQke Dee@]he ye[ewoe (vetpeeruewv[) efue.
Ke) iewj yeQefkebie
i) yee@ye (et kes) efue.
osMe, peneb
efJeeceeve nw
mJeeefcelJe kee eefleMele

31.03.14 31.03.13
1.1.1 Domestic Subsidiaries

a)
Yeejle
98.57
98.57
Yeejle
Yeejle
100.00
100.00
100.00
100.00
Banking:
India
98.57
98.57
i) BOB Capital Markets Ltd.
India
100.00
100.00
ii) BOB Cards Ltd.
India
100.00
100.00
i) The Nainital Bank Ltd.

b)
Non Banking:
1.1.2 Overseas Subsidiaries:

a)
Banking:
yeeslmeJeevee
kesvee
etieeb[e
iegeevee
lebpeeefveee
ef$eefveoeo
SJeb esyesiees
Ieevee
vetpeeruewv[
100.00
100.00
100.00
100.00
86.70
86.70
ii) Bank of Baroda (Kenya) Ltd.
Kenya
86.70
86.70
etveeFs[
eEkeie[ce
i) Bank of Baroda (Botswana) Ltd. Botswana
80.00
80.00
iii) Bank of Baroda (Uganda) Ltd.
Uganda
80.00
80.00
100.00
100.00
iv) Bank of Baroda (Guyana) Inc.
Guyana
100.00
100.00
100.00
100.00
v) Bank of Baroda (Tanzania) Ltd.
Tanzania
100.00
100.00
100.00
100.00
vi) Bank of Baroda Trinidad &Tobago Trinidad &

Ltd.
Tobago
100.00
100.00
100.00
100.00
vii) Bank of Baroda (Ghana) Ltd.
Ghana
100.00
100.00
100.00
100.00
viii)Bank of Baroda (New Zealand)

Ltd.
New
Zealand
100.00
100.00
100.00
100.00
United
Kingdom
100.00
100.00
1.2 meneesieer FkeeFeeb

mecesefkele efJeeere efJeJejCeer (meerSHeSme) ceW meceeefnle meneesieer FkeeFeeW kes
efJeJejCe efvecveefueefKele nQ :
veece
The Consolidated Financial Statements (CFS) of the

Group comprise the results of the Bank of Baroda
(Parent) and the following Subsidiaries/Associates/Joint
Ventures:
Subsidiaries
Country of
Percentage of
Incorporation Ownership as on
31.03.14 31.03.13
b)
Non Banking:
i) BOB (UK) Ltd.
1.2 Associates

The particulars of Associates considered in the CFS are
as under:
Name
osMe, peneb
efJeeceeve nw
Country of
Incorporation
(a) Indo Zambia Bank Limited
(ke) Fv[es peeefcyeee yeQke efueefces[
peeefcyeee /Zambia
(Ke) ye[ewoe Heeeesevf eej Demes cesvespecesv kebHeveer efue. (b) Baroda Pioneer Asset Management Co. Ltd. Yeejle/ India
Baroda Pioneer Trustee Company Private

(ie) ye[ewoe Heeeesevf eej ^mer kebHeveer eeF&Jes efue. (c) Limited
(d) Regional Rural Banks
(Ie) #es$eere ieeceerCe yeQke:i) Baroda Uttar Pradesh Gramin Bank
i) ye[ewoe Gej eosMe ieeceerCe yeQke
ii) Baroda Rajasthan Kshetriya Gramin Bank
ii) ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke
(Erstwhile Baroda Rajasthan Gramin Bank)
(Henues kee ye[ewoe jepemLeeve ieeceerCe yeQke)
iii) Baroda Gujarat Gramin Bank
iii) ye[ewoe iegpejele ieeceerCe yeQke
cetue mebmLee kee efnmmee (%)
Parents ownership
Interest (%) as on
31.03.14
31.03.13
20
20
49
49
Yeejle/ India
49
49
Yeejle/ India
35
35
Yeejle/ India
35
35
Yeejle/ India
35
35
283
2013-14
1.3 Joint Ventures
1.3 mebege Gece

veece / Name
osMe peneb efJeeceeve nw
Country of Incorporation
ke)
FefC[eeHem& ueeFHe FbMeesjWme kecheveer efue.
Ke)
FefC[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.
ie)
FefC[ee Fvee[s efue.
a)
b)
c)
India First Life Insurance Company Ltd.
31.03.2013
Yeejle
44
44
ceuesefMeee
40
40
Yeejle
30
30
Malaysia
India Infradebt Ltd.
India
2.
2. meneesieer FkeeFeeW ceW efveJesMe kee efJeJejCe

e. efJeJejCe
meb
31.03.2014
India
cetue mebmLee kee efnmmee
Percentage of Ownership (%) as on
Particulars of the Investment in Associates

31.03.2014 kees 31.03.2013 kees
Sr. Particulars
No.
As at
31.03.2014
228.53
As at
31.03.2013
194.31
(ke) meneesieer FkeeFeeW ceW efveJesMe keer ueeiele

(Ke) GHejeskele (ke) ceW Meeefceue DeefOeienCe Hej meeKe
(ie) GHejeskele (ke) ceW DeefOeienCe Hej eejef#ele hetbpeer
a.
Cost of Investment in Associates
b.
Goodwill on acquisition included in (a) above
c.
25.27
25.27
(Ie) Hegvecet&ueebefkele eejef#ele efveefOe Deewj SHemeer

mebJeJenej eejef#ele efveefOe kes Keeles ceW HeefjJeOe&ve
(*) DeefOeienCe GHejevle ieg[ efJeue/Deejef#ele hetbpeer kes
ueeYe (Meg) kee DebMe
(e) 31 ceee& kees efveJesMe (ke-Ke-ie + Ie + *)
() Yeejle ceW efveJesMe
(pe) Yeejle kes yeenj efveJesMe
(Pe) kegue ( + pe)
d.
3.23
2.31
423.31
323.42
f.
Capital reserve on acquisition included in

(a) above
Additions on account of Revaluation reserve
& Foreign Currency Translation reserve
Share of post acquisition profits (Net) of
Goodwill/ Capital Reserve
Investment as at 31st March (a -b-c+d+e)
g.
Investment in India
h.
Investment outside India
i.
Total (g + h)
e.
629.80
494.77
565.83
442.63
63.97
52.14
629.80
494.77
3. Deveg<ebefieeeW /meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeb

3.1. Deveg<ebeif eeeW mebege Gece, leLee meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeb, yeQke
Dee@H] e ye[ewoe (etieeb[e) efue.(Fmekeer mebhetCe& mJeeefcelJe Jeeueer Deveg<ebieer yeQke Dee@h] e
ye[ewoe kewefHeue ceekex etieeb[e efue. kees Meeefceue kejles ngS), yeQke Dee]H@ e ye[ewoe
(kesvee) efue., yeQke Dee@h] e ye[ewoe (Ieevee) efue., yeQke Dee]H@ e ye[ewoe (lebpeeefveee)
efue., Fbe[f ee FvjvesMeveue yeQke (ceueseMf eee) yeerSe[er, (DeeF&DeeF&yeerSceyeer) leLee
Fb[es peebeyf eee yeQke efue. kees e[s kej, efpevekeer 31 ceee&, 2014 leke leweej keer
ieF& nw Gmeer efjHeesef i e leejerKe kes Devegmeej leweej keer ieF& nQ efpeme leejerKe kees cetue
mebmLee keer efJeJejCeer leweej keer ieF& nw. Gkele Deveg<ebeif eeeW keer efJeJejefCeeeb 31
efomebyej, 2013 keer efmLeefle kes DevegHe leweej keer ieF& nQ. HeyebOeve eje eLee
HeceeefCele 1 peveJejer, 2014 mes 31 ceee&, 2014 kes yeere DeHese#f ele meceeeespeveeW
nsleg keesF& GuuesKeveere mebJeJenej veneR ngDee nw.
3.
3.2. 31.03.2014 kees meceehle Je<e& nsleg efvecveefueefKele osMeere Deveg<ebefieeeW kes Keeles
kebHeveer DeefOeefveece, 1956 keer Oeeje 619 (4) kes Debleie&le Yeejle kes efveeb$eke
SJeb ceneuesKee Hejer#eke keer efHHeefCeeeW kes DeOeOeerve nQ :
3.2 The accounts of the following domestic subsidiaries for

the year ended 31st March, 2014 are subject to the
comments of Comptroller & Auditor General of India
under Section 619(4) of the Companies Act, 1956:
1) BOB Capital Markets Ltd.
2) BOB Cards Ltd.
4.

Capital Reserves
Capital Reserve includes appreciation arising on
revaluation of immovable properties, profit on sale of HTM
1) yee@ye kewefHeue ceekexmed efue.

2) yee@ye kee[&med efue.
4. Hetbpeeriele Heejef#ele efveefOe

Hetbpeeriele Heejef#ele efveefOe ceW Deeue mebHeefeeeW kes Hegvecet&ueebkeve kes HeuemJeHe
284
Financial Statements of Subsidiaries / Associates
3.1 The audited financial statements of the Subsidiaries, Joint

Ventures and Associates have been drawn up to the same
reporting date as that of the Parent i.e. 31st March, 2014
except for Bank of Baroda (Uganda) Ltd, (including its
wholly-owned subsidiary Baroda Capital Markets (Uganda)
Ltd.), Bank of Baroda (Kenya) Ltd., Bank of Baroda (Ghana)
Ltd., Bank of Baroda (Tanzania) Ltd., India International
Bank (Malaysia) Bhd. (IIBMB) and Indo Zambia Bank
Ltd. which have been drawn up to 31st December, 2013.
As certified by the Management, there are no significant
transactions or other events during 1st January, 2014 to 31st
March, 2014 requiring adjustment therein.
securities (net of tax and transfer to Statutory Reserve)

and amount subscribed by Government of India under the
World Banks Scheme for Export Development Projects
/ Industrial Export Projects for small / medium scale
industries.
nesves Jeeueer cetueJe=ef SeerSce eefleYetefle efyeeer hej ueeYe (kej SJeb eejef#ele
efveefOe ceW DeblejCe kes heeeled) leLee ueIeg / ceOece GeesieeW kes efueS efveee&le
efJekeeme HeefjeespeveeDeeW /Deeweesefieke efveee&leeW HeefjeespeveeDeeW nsleg efJeMJe yeQke keer
eespeveeDeeW kes Debleie&le Yeejle mejkeej keer DebMeoeve jeefMe Meeefceue nQ.
5. kejeW kes efueS eeJeOeeve
5.1 Deeekej kee HeeJeOeeve, DeHeerueere HeeefOekeeefjeeW kes efveCe&eeW kees Oeeve ceW jKeles
ngS leLee HejeceMe&oelee kes HejeceMe& mes efkeee ieee nw.
5.2 Deefece he mes Yegieleeve efkeee ieee kej/eesle hej keee ieee kej, eeJeOeeve
kes Ghejeble nw SJeb en `Deve DeeefmleeeW' kes lenle ` 4849.47 kejes[ (efHeues
Je<e& ` 3401.38 kejes[ ) jKee ieee nw. FmeceW cetue kee `4826.09 kejes[
(efHeues Je<e& ` 3374.52 kejes[) Meeefceue nw pees efJeefYeVe Je<eeX kes oewjeve yeQke
eje Yegieleeve efkeS ieS efJeJeeefole kej ceebieeW kes Yegieleeve mes mebyebefOele meceeeesefpele
jeefMe nw. Ge ceebieeW kes mebyebOe ceW yeQke eje efkemeer ekeej kee eeJeOeeve DeeJeMeke
veneR mecePee ieee nw keeeWefke yeQke keer jee leLee Gmekes keeGbefmeuees keer jee
Deewj/DeLeJee veeefeke Iees<eCeeDeeW kes Devegmeej efveOee&jCe kelee& DeefOekeejer eje
efkeS ieS heefjJeOe&ve/DemJeerke=efle Deefveele nw.
5.3 Yeejleere efj]peJe& yeQke kes heefjhe$e mebKee [eryeerDees[er.meb.yeermeer.77/21.04.018/
2013-14 efoveebke 20 efomecyej, 2013 kes Devegmeej, mecetn ves Deeekej
DeefOeefveece, 1961 keer Oeeje 36 (i)(viii) kes lenle efJeMes<e eejef#ele efveefOeeeW
hej DeemLeefiele kej oselee ([ererSue) efveOee&efjle keer nw. pewmee efke Ghejese
heefjhe$e kes Devegmeej 31 ceee& 2013 kees [ererSue hej efJeMes<e eejef#ele efveefOe
kes `822.41 kejes[ (` 818.90 kejes[ cetue yeQke eje leLee ` 3.51 kejes[
vewveerleeue yeQke eje) keer jeefMe kes eeJeOeeve keer DeeJeMekelee Leer, efpememes hetJe&
ceW ueeYe neefve Keeles kees eYeeefjle veneR efkeee ieee Lee, Fmes Deye meerOes ner
eejef#ele efveefOe mes meceeeesefpele kej efoee ieee nw. keee Yeejle ceW meeceevele:
mJeerkeee& uesKee heefle kes efmeebleeW kes Devegmeej Fme jeefMe kees ueeYe leLee neefve
Keeles kees eYeeefjle efkeee peeS, lees Ssmeer jeefMe mes ueeYe Fme ekeej keer jeefMe
mes kece nes mekelee nw.

Ghejese mes Deeies, cetue yeQke ves eeuet Je<e& kes ueeYe ceW mes ` 310.01 kejes[
[ererSue kes efueS efveefce&le efkeS nQ, pees jeefMe eeuet efJeeere Je<e& kes oewjeve efJeMes<e
eejef#ele efveefOe kees Debleefjle keer ieF&.
6. yeQke keer keg mebheefeeeb hegvecet&efuele jeefMe kes DeeOeej hej oMee&eer ieeer nw.
heefjmej keer ueeiele meefnle Je<e& kes Deble leke kegue hegvece&tueve jeefMe ` 1782.73
kejes[ (efHeues Je<e& ` 1778.33 kejes[) efpemecesb efJeosMeer keeee&ueeeW kes `35.85
kejes[ (efHeues Je<e& ` 31.45 kejes[) Meeefceue nw cetueeme kes Ghejeble hegvece&tueve
jeefMe ` 1052.61 kejes[ (efheues Je<e& `1104.26 kejes[) nw.
7. eejef#eleeW mes hetJe& DeenjCe

Yeejleere efj]peJe& yeQke kes heefjhe$e mebKee [eryeerDees[er.meb.yeermeer.77/21.04.018/
2013-14 efoveebke 20 efomecyej, 2013 keer MeleeX Devegmeej, 31 ceee& 2013
kees mecetn ves Deeekej DeefOeefveece keer Oeeje 36 (i)(viii) kes lenle efheueer
eejef#ele efveefOeeeW hej efJeMes<e eejef#ele efveefOeeeW kes Mes<e ceW mes `822.41 kejes[
(` 818.90 kejes[ cetue yeQke eje leLee ` 3.51 kejes[ vewveerleeue yeQke eje)
keer DemLeefiele kej oselee efveefce&le keer nw.
8. DemLeeeer eeJeOeeve

Yeejleere efj]peJe& yeQke kes heefjhe$e mebKee [eryeerDees[er.meb.yeerheer.95/21.04.048/
2013-14 efoveebke 7 hejJejer, 2014 keer MeleeX Devegmeej, yeQkeeW kees iewjefve<heeefole
DeeefmleeeW kes eeJeOeeve kes efueS efoveebke 31.03.2013 leke Gvekes eje efkeS
ieS DemLeeeer eeJeOeeveeW ceW mes 33% kee Gheeesie kejves keer Devegceefle eoeve keer
ieeer nw. cetue yeQke ves iewjefve<heeefole DeeefmleeeW kes efJeMes<e eeJeOeeve kes efueS
2013-14
5.
Provision for Taxes
5.1 Provision for taxes are arrived at after due consideration

of decisions of appellate authorities and advice of
Consultant.
5.2 Tax paid in advance / tax deducted at source is net
of provisions and is appearing under Other Assets
amounting to ` 4849.47 crores (previous year ` 3401.38
crores), includes ` 4826.09 crores of the parent (previous
year ` 3374.52 crores), represent amount adjusted by the
department / paid by the Parent in respect of disputed
tax demands for various assessment years. No provision
is considered necessary in respect of the said demands
as in the parents view, duly supported by counsels
opinion and / or judicial pronouncements, additions /
disallowances made by the Assessing Officer are not
sustainable.
5.3 Pursuant to Reserve Bank of India (RBI) Circular no.
DBOD.no.BP.BC.77/21.04.018/2013-14 dated 20 th
December 2013, the Group has created deferred tax
liability (DTL) on the Special Reserve under section 36(1)
(viii) of the Income Tax Act, 1961. As required by the said
RBI Circular, the amount of ` 822.41 crores (` 818.90
crores by Parent Bank and ` 3.51 crores by Nainital
Bank) being the provision of DTL on Special Reserve
as at March 31, 2013, not previously charged to Profit
and Loss Account, has now been adjusted directly from
Reserves. Had this amount been charged to the Profit
and Loss Account in accordance with generally accepted
accounting principles in India, the amount of Profit for the
year would have been lower by such amount.

Further to above, the Parent Bank has crated DTL of
` 310.01 crores out of current year profit on amount
transferred to special reserve during the current financial
year.
6
Certain properties of the Parent Bank are stated at
revalued amounts. The gross amount of revaluation
included in cost of premises as at end of the year is
` 1,782.73 Crores (previous year ` 1,778.33 crores)
including ` 35.85 Crores at overseas offices (previous
year ` 31.45 crores). The revalued amount net of
depreciation is ` 1,052.61 Crores (Previous Year
` 1,104.26 Crores).
7

Draw Down from Reserves

In terms of Reserve Bank of India Circular no. DBOD.
no.BP.BC.77/21.04.018/2013-14 dated 20th December
2013, the Group has created deferred tax liability of `
822.41 crores (` 818.90 crores by parent bank and ` 3.51
crores by Nainital Bank) out of past reserves on balance
of Special Reserve u/s 36(1)(viii) of Income Tax Act as
on 31st March 2013.
8.

Floating Provision
ln terms of R.B.l. circular no. DBOD.No.BP.95/21.04.048/
2013-14 dated February 7,2014, banks were allowed
to utilize 33% of floating provisions held by them
as on 31.03.2013 for making specific provisions for
285
2013-14
31.03.2013 kees GheueyOe kejeeer ieF& DemLeeeer eeJeOeeve keer jeefMe (` 850
kejes[) kee Gheeesie veneR efkeee nw.

efhej Yeer vewveerleeue yeQke pees yeQke Dee@]he ye[ewoe keer Deveg<ebieer nw, ves Dehesef#ele
efJeMes<e eeJeOeeveeW kes efueS DemLeeeer eeJeOeeveeW ceW mes `11.10 kejes[ kee DeenjCe
efkeee nw.
9. eeJeOeeveeW SJeb DeekeefmcekeleeDeeW kee Deueie Deueie efJeJejCe

ueeYe neefve Keeles ceW oMee&S ieS eeJeOeeveeW SJeb DeekeefmcekeleeDeeW kee Deueie
Deueie efJeJejCe efvecveevegmeej nw :
non performing assets. Parent bank has not utilized

the floating provisions (` 850 crores) available as at
31.03.2013 for making specific provisions for NPAs.
However, Nainital Bank, the subsidiary of BOB, has drawn
` 11.10 crores out of floating provision to make required
specific provision.
9
Break up of Provisions and Contingencies
The break-up of provisions and contingencies appearing

in Profit & Loss Account is as under:
efJeJejCe
Particulars
yesKeeles [eues ieS $e+CeeW/SveheerS kes efueS eeJeOeeve
Bad debts written off / Provision made towards NPA
hegveie&ef"le ceeveke Je DeJeceeveke KeeleeW ceW yeepe

kes meseerHeeFpe nsleg eeJeOeeve
Provision towards sacrifice of interest in Restructured

standard and sub-standard accounts
osMeiele peesefKece eyebOeve nsleg eeJeOeeve
Provision for Country Risk Management
kejeW kes efueS eeJeOeeve (DeemLeefiele kej meefnle)
Provision for taxes (including deferred Taxes)
efveJesMe hej cetueeme nsleg eeJeOeeve
eeuet Je<e&
efJeiele Je<e&
2954.30
3118.59
32.43
382.42
9.06
13.03
1065.15
444.14
Provision for Depreciation on investment
200.36
220.56
ceeveke DeeefmleeeW nsleg eeJeOeeve
Provision for standard assets
537.33
395.22
kece&eejer keueeCe Jee nsleg eeJeOeeve
Provision for staff welfare expenses
25.00
25.00
Deve
Others
1066.47
810.47
pees[
Total
5890.09
5409.43
10. Yeejleere meveoer uesKeekeej mebmLeeve (DeeF&meerSDeeF&) eje peejer uesKee ceevekeeW
(SSme) keer MeleeX kes Devegmeej ekeerkejCe
10. Disclosure in terms of Accounting Standards (AS)

issued by the Institute of Chartered Accountants of India
(ICAI).
10.1 SSme-5 hetJe& keer DeJeefOe kes efueS Meg ueeYe/neefve keer ceoeW leLee uesKeeveerefleeeW
ceW heefjJele&ve
10.1 AS-5 Net Profit or Loss for the period, Prior Period Items
and Changes in Accounting Policies
Yeejleer e ef j ] p eJe& yeQ k e ves veS heef j he$e [er y eer D ees [ er . yeer h eer . yeer m eer .
meb.98/21.04.13/2013-14 efoveebke 26 hejJejer 2014 kes Devegmeej Deeefmle
hegveefve&ceeCe kebheveer (SDeejmeer)/eefleYeteflekejCe kebheveer kees efJeeere Deeefmleeeb
yeseves kes mecyebOe ceW, eefo efyeeer Meg yener cetue (Sveyeermeer) (DeLee&le yener
cetue IeeSb efkeee ieee eeJeOeeve) mes kece cetue hej ngF& nw lees keceer kees oes
Je<eeX keer DeJeefOe kes Yeerlej keercele ueeiele keer DeJeefOe ceW ueeYe-neefve Keeles ceW
veeces efkeee peeS. eefo efyeeer cetue Meg yener cetue keer Dehes#ee DeefOeke nw lees
efpeme Je<e& ceW DeefOeke jeefMe eehle ngF& nw Gme jeefMe kees ceewpetoe veerefle kes
efJehejerle ueeYe Je neefve Keeles ceW efjJeme& kej efoee peeS leLee eefo efyeeer Meg
yener cetue (DeLee&le yener cetue IeeSb efkeee ieee eeJeOeeve) mes kece hej ngF& nw
lees Gme keceer kees ueeYe-neefve KeeleW ceW veeces kej efoee peeS leLee eefo efyeeer
cetue SveyeerJeer keer Dehes#ee DeefOeke eehle ngDee nw lees DeefOeMes<e kees Deeies ues
peeee peeS Deewj yeeo ceW iewj efve<heeoke DeeefmleeeW keer efyeeer kes keejCe ngF&
keceer/neefve kees hetje kejves kes efueS eege efkeee peeS.
In accordance with new RBI circular DBOD.BP.BC.No.

98/21.04.13/2013-14 dated 26th February, 2014,
pertaining to financial assets sold to Asset Reconstruction
Company (ARC)/ Securitization Company, if the sale is
at a price below the net book value (NBV), (i.e. Book
value less provisions held) the shortfall is debited to the
profit and loss account spread over a period of two
years. If the sale value is higher than the NBV, excess
provision is reversed to profit & loss account in the year
the amounts are received as against the existing policy,
if the sale is at price below the Net Book Value (i.e. Book
Value Less Provision held), the short fall is debited to
the profit and loss account and if the sale value is higher
than the NBV surplus is carried forward and utilized to
meet the short fall/loss on account of subsequent sale of
Non Performing financial assets.
Je<e& kes oewjeve, cetue yeQke ves Yeejleere efj]peJe& yeQke kes veS efoMeeefveo&sMeeW kes
Devegmeej Fme mebJeJenej ceW ` 4.26 kejes[ kee Meg ueeYe oMee&ee nw.
During the year the Parent Bank has recognized a net

gain of ` 4.26 crores in this transaction as per new RBI
guidelines.
286
2013-14
10.2 AS-15 Employee Benefits [Parent]

Disclosures

Principal Actuarial Assumptions [Expressed as Weighted
Averages]
10.2 S Sme-15 - kece&eejer ueeYe (yeQke)

uesKee ceeveke ekeerkejCe cetue yeerceebefkeke OeejCee (Yeeefjle Deewmele kes He ceW Jekele)
eespevee kee mJehe / TYPE OF PLAN

HeWMeve
GHeoeve Deefle.mesJee ueeYe
DeJekeeMe
Pension
Gratuity
ARB
vekeoerkejCe
Discount rate
ef[mkeeGb oj
Salary Escalation Rate
Jesleve Je=ef oj
Attrition Rate
eme oj
Expected Rate of Return on
eespeveeiele DeeefmleeeW Hej mebYeeefJele
plan Assets
efjve& js
ceesef&efueer js : SueDeeF&meerDeeF& 1994-96
Mortality Rate : LICI 1994-96
8.50%
Leave
encashment
8.50%
8.50%
8.50%
6.00%
6.00%
6.00%
6.00%
2.00%
2.00%
2.00%
2.00%
8.70%
8.00%
vees : yeQke ves Yeejleere efj]peJe& yeQke kes efoveebke 24 ceee& 2014 kes he$e kes
Devegmeej heee&hle yeerceebefkele cetueebkeve hej DeeOeeefjle DeefOeJeeef<e&lee eespevee
GheueyOe kejeF& nw.
Note : The bank has adequately provided for superannuation

scheme based on the actuarial valuation as per RBI letter dated
March 24, 2014.
oseleeDeeW kes DeejbefYeke Deewj Debeflece Mes<e kee meceeOeeve
Reconciliation of opening and closing balance of liability

(` kejes[ ceW) / (` in crores)
eespevee kee mJehe / TYPE OF PLAN

HeWMeve
GHeoeve Deefle.mesJee ueeYe
DeJekeeMe
Pension
Gratuity
ARB
vekeoerkejCe
Leave
encashment
1/4/2013 kees HeerJeerDees

pees[s-b yeepe keer ueeiele
pees[s-b eeuet mesJee ueeiele
Ieeesb-Heoe ueeYe
pees[s-b oeefelJe Hej yeerceebekf eke neefve/ueeYe(-)
PVO as at 01.04.2013
31.03.2014 kees HeerJeerDees
PVO as at 31.03.2014
Add- Interest Cost

Add- Current Service Cost
Less- Benefits Paid
Add- Actuarial loss/gain(-) on
obligation
eespevee DeeefmleeeW kes Gefele cetue kes DeejbefYeke Mes<e SJeb Debeflece Mes<e kee meceeOeeve
7,502.04
709.73
1506.13
592.45
616.31
56.92
120.24
48.03
1,080.10
120.60
106.11
5.05
502.76
80.22
183.15
54.83
-436.21
-71.34
-16.70
56.46
8,259.48
735.69
1532.62
647.17
Reconciliation of opening & closing balance of fair value of

plan assets
(` kejes[ ceW / ìn Crores)
eespevee kee mJehe /

TYPE OF PLAN
HeWMeve/ Pension GHeoeve/Gratuity

1/4/2013 kees eespeveeiele DeeefmleeeW kee Gefele cetue
Fair Value of plan assets as on 01-04-2013
6658.32
1373.13
pees[-W eespeveeiele DeeefmleeeW hej mebYeeefJele efjve&

pees[-W DebMeoeve
IeeeW-Heoe ueeYe
pees[-W yeerceebefkeke ueeYe / (-) neefve
31.03.2014 kees eespeveeiele DeeefmleeeW kee Gefele cetue
Add- Expected Return on Plan Assets
579.27
109.85
Add- Contributions
861.54
233.00
Less- Benefits Paid
502.76
183.15
32.15
-0.93
7628.52
1531.90
Add- Actuarial gain/(-)loss

Fair Value of Plan Assets as on 31.03.2014
287
2013-14
Amount recognized in the Balance Sheet
legueve-He$e ceW ceeve jeefMe

HeWMeve
GHeoeve
DeJekeeMe
Deefle.
Pension
Gratuity mesJee ueeYe
vekeoerkejCe
Leave
encashment
ARB
ke) oeefelJe kee HeerJeer
a) PV of obligation
8259.48
735.69
1532.62
647.17
Ke) eespeveeiele DeeefmleeeW kee Gefele cetue
b) Fair value of plan assets
7628.52
1531.90
ie) Devlej
c) Difference
630.96
735.69
-0.72
647.17
Ie) DeefveOee&efjle mebeceCeMeerue oselee
d) Unrecognised transitional liability
365.98
*) leguevehe$e ceW ceeve oselee
e) Liability Recognised in the BS
264.98
735.69
-0.72
647.17
Amount recognized in the P & L Account
ueeYe-neefve Keeles ceW efveOee&efjle jeefMe

HeWMeve
Pension
DeJekeeMe
vekeoerkejCe
Deefle.
mesJee
ueeYe
GHeoeve
Gratuity
Leave
encashment
ke)
eeuet mesJee ueeiele
a)
Current Service Cost
Ke)
yeepe ueeiele
b)
ie)
eespeveeiele Deeefmle Hej mebYeeefJele

efjve&
Ie)
ARB
1,080.10
120.60
106.11
5.05
Interest Cost
616.31
56.92
120.24
48.03
c)
Expected Return on Plan

Assets
579.27
109.85
eqveOee&efjle efheueer mesJee ueeiele (-)
d)
Net Actuarial Loss/gain(-)
-468.35
-71.34
-15.78
1.63
*)
Je<e& kes oewjeve mebeceCeere oselee
e)
Transitional liability
recognized in the year
365.98
e)
ueeYe neefve Keeles ceW efveOee&efjle Kee&
Expenses Recognised in P&L
1014.76
106.18
100.72
54.71
Expected contribution for next period (2014-15)
Deieueer DeJeefOe (2014-15) kes efueS mebYeeefJele DebMeoeve
efJeJejCe
mebYeeefJele DebMeoeve
Particulars
HeWMeve / Pension
iesegerr / Gratuity
Expected contribution
600.00
100.00
Investment Pattern
efveJesMe Hewve&
efJeJejCe
kesvere mejkeej eefleYetefleeeb
jepe mejkeej eefleYetefleeeb
keeheexjs (heerSmeet)
keeheexjs (heeFJes)
Deve
kegue
288
Particulars
( %ceW / in %)
HeWMeve / Pension
iesegerr / Gratuity
Central Govt Securities
19.75 %
20.49%
State Government Securities
22.62%
24.30%
Corporate (PSU)
23.99%
25.53%
2.16%
1.48%
31.48%
28.20%
100.00 %
100.00 %
Corporate (Private)
Others
Total
10.3 Segment Reporting (AS 17)

Accounting Standard 17 - Disclosure under Segment
Reporting

Part A: Business Segments
10.3 mesieceW efjHeesefie (SSme 17)

uesKee ceeveke 17 - mesieceW efjHeesefie kes lenle ekeerkejCe -
Yeeie ke efyepevesme mesieceW
efyepevesme
mesieceW
Business
Segments
jepemJe
heefjCeece
Deveeyebefle Kee&
Revenue
Result
Unallocated
Expense
Operating
Profit
Heefjeeueveiele ueeYe
keeHeexjs/nesuemesue yeQefkebie
^spejer
Corporate / Wholesale
Treasury
Banking
2013-14
2012-13
2013-14
2012-13
11292.37
9352.38 16412.79 15095.11
1572.67
1119.50
-441.42
-92.52
Deeekej
Income taxes
efJeefMe< ueeYe /
neefve
Meg ueeYe
Deve metevee
Extra-ordinary
Profit/loss
Net Profit
Other
Information
Segment
Assets
145584.39 147809.92 189524.29 153499.37
Unallocated
Assets
Total Assets
Segment
Liabilities
137435.02 139015.71 178915.30 144366.66
Unallocated
Liabilities
Total Liabilities
Capital
Employed
8149.37
8794.21 10609.00
9132.71
Unallocated
mesieceW Deeefmleeeb
Deveeyebefle
Deeefmleeeb
kegue Deeefmleeeb
mesieceW oseleeSb
Deveeyebefle oseleeSb
kegue oseleeSb
efveeesefpele Hetbpeer
Deveeyebefle
kegue efveeesefpele
Hetbpeer
Deve yeQefkebie Heefjeeueve
efjsue yeQefkebie
Banking & Other

Operations
2013-14
2012-13
7134.37
6617.22
2905.64
2545.30
Retail Banking
2013-14
11178.52
3445.31
85698.97
2012-13
9887.97
3144.72
osMeere heefjeeueve
Domestic Operations
2013-14
2012-13
Revenue
40106.45
35196.20
jepemJe
Assets
435162.42
386487.80
Deeefmleeeb
efhheCeer :
1. Yeejleere efjpeJe& yeQke kes eqoMee efveoxMeevegmeej uesKeebkeve ceevekeeW kes Devegheeueve
ceW yeQke ves ^spejer Dee@hejsMeve, nesuemesue, efjsue Deewj Deve yeQefkebie heefjeeueveeW
kees eeLeefceke keejesyeej mesieceW Deewj osMeere Deewj Devleje&êre kees ieewCe /
Yeewieesefueke mesieceW kes he ceW Deheveeee nw.
2. yeQefkebie SJeb Deve heefjeeueveeW ceW Deve yeQefkebie leLee iewj yeQefkebie heefjeeueve
Meeefceue nQ.
3. mesieceW jepemJe yeee eenkeeW mes eehle jepemJe kees oMee&lee nw.
4. mesieceW heefjCeece lee kejles mecee, yeQke eje DeheveeF& ieF& DeblejCe cetue
efveOee&jCe eCeeueer kees eeesie ceW ueeee ieee nw.
5. eleske mesieceW kes efueS efveeesefpele hetbpeer kees mesieceW keer DeeefmleeeW kes
Deevegheeefleke leewj hej Deeyebefle efkeee ieee nw.
2013-14
46018.05
7482.19
2012-13
40952.68
6717.01
1416.32
1468.64
6065.87
5248.37
1065.15
444.14
-5000.73
4804.23
7159.13
5365.25
676114.11 559388.33
80901.80
70638.82 234256.79 167039.33 631508.91 521060.52

6758.38
5046.04
638267.29 526106.56
4797.17
4468.65
13890.54
Total Capital
Employed
Particulars
kegue
Total
75107.47 248147.32 177606.33 668954.98 554023.08
Yeeie-Ke - Yeewieesefueke mesieceW / Part B : Geographical Segments

efJeJejCe
2013-14
10566.99
37446.08
32962.56
400.75
319.21
37846.82
33281.77
Devleje&êre heefjeeueve
International Operations
2013-14
2012-13
kegue / Total
2013-14
2012-13
5911.60
5756.48
46018.05
40952.68
240951.69
172900.53
676114.11
559388.33
Notes:
1. As per guidelines of RBI on compliance with Accounting Standards,
parent has adopted Treasury Operations, Wholesale, Retail and other
Banking Operations as Primary business segments and Domestic and
International as Secondary / Geographic segments.
2. Banking & Other operations includes other banking operations and nonbanking operations.
3. Segment revenue represents revenue from external customers.
4. In determining the segment results, the funds transfer price mechanism
followed by the Parent has been used.
5. Capital Employed for each Segment has been allocated proportionate to
the assets of the Segment.
289
2013-14
10.4 Related Party Disclosures (AS-18)
10.4 mebyebefOele heeea ekeerkejCe (SSme-18)

S.No
veece
Designation
7,67,625
12,22,208
eer eerefveJeeme efHe.
20,10,521
12,00,790
eer jbpeve OeJeve
19,13,437
6,65,588
eer YegJeve ebo peesMeer
keee&heeueke efveosMeke (5 Deiemle 2013 mes)
10,94,767
Shri Srinivas P
4
Executive Director
Shri Ranjan Dhawan

5
Previous Year
`
3,49,654

3
Current Year
`
26,27,967
eer. megYee<e efMeJejleve cetbo[e
Shri Subhash Sheoratan

Mundra
2
heeefjeefceke Remuneration
eeuet Je<e&
efheuee Je<e&
heoveece
Name
Executive Director
Shri Bhuvan Chandra Joshi
Executive Director (w.e.f. 05th Aug 2013)
10.5 Earnings per Share (AS-20)
10.5 eefle Mesej Depe&ve (SSme-20)

efJeJejCe
Particulars
i.
FefkeJeer Mesej OeejkeeW nsleg kej kes yeeo

GheueyOe Meg ueeYe (` kejes[es ceW)
ii.
eeuet Je<e&
efJeiele Je<e&
Current Year
Previous Year
Net Profit after tax available for Equity

shareholders (` in crores)
5000.73
4804.23
FefkeJeer MesejeW keer mebKee (Yeeefjle)
Number of Equity Shares (Weighted)
42,28,88,060
41,16,78,611
iii.
eefle Mesej cetue Je [eeuets[ Depe&ve

`10 eleske kes
Basic and diluted earnings per share of

`10/- each (`)
118.25
116.70
iv.
eefle FefkeJeer Debefkele Mesej cetue
Nominal Value per Equity Share
` 10.00
` 10.00
10.6 Accounting for Taxes on Income (AS-22)

a. Deferred Tax Assets (Net)
10.6 Deee hej kej ieCevee (SSme-22)

ke. DeemLeefiele kej oselee (efveJeue)
efJeJejCe
Particulars
31.03.2014
Deeefmleeeb
Deeekej DeefOeefveece kes lenle yener
cetueeme leLee cetueeme kes yeere Deblej
Deeekej DeefOeefveece 1961 keer Oeeje
36(1) (viii) kes lenle keeQefleeeb
Deve
mebefoiOe $e+Ce SJeb Deefieceebs kes efueS HeeJeOeeve
SeerSce eefleYetefleees Hej cetueeme
Deeekej DeefOeefveece keer Oeeje 40(S)
(DeeF& S) kes lenle Deceeve jeefMe
ger vekeoerkejCe SbJe Jesleve mebMeesOeve nsleg
eeJeOeeve
pees[
Meg DeemLeefiele kej oselee / Deeefmleeeb
290
31.03.2013
Asset
Liability
oselee
Deeefmleeeb
Asset
Liability
5.41
41.12
Deduction under section 36(1)(viii) of the

Income-tax Act, 1961
Others
1.00
3.08
Depreciation on HTM Securities
92.73
Amount Disallowable U/S 40(a)(ia) of the

IT Act
1.84
3.86
226.89
Total:
10.27
231.81
133.86
Net Deferred tax Liability /Asset
10.27
97.96
Difference between book depreciation

and Depreciation under Income Tax Act
Provision for doubtful debts and advances
Provision for leave encashment & Wage

Revision
oselee

b. Deferred Tax Liabilities (Net)
Ke. DeemLeefiele kej oselee (efveJeue)
Deeekej DeefOeefveece 1961 keer Oeeje

36(1) (viii) kes lenle keeQefleeeb
SeerSce eefleYetefleees Hej cetueeme
Deve
mebefoiOe $e+Ce SJeb Deefieceebs kes efueS HeeJeOeeve
Deeekej DeefOeefveece keer Oeeje 40(S)
(DeeF& S) kes lenle Deceeve jeefMe
ger vekeoerkejCe nsleg eeJeOeeve
pees[
Meg DeemLeefiele kej oselee / Deeefmleeeb
Particulars
Deeefmleeeb
Difference between book

depreciation and Depreciation
under Income Tax Act
Deduction under section 36(1)
(viii) of the Income-tax Act, 1961
Depreciation on HTM Securities
Others
Asset
0.60
Liability
61.12
oselee
Deeefmleeeb
Asset
-
Liability
0.26
1128.91
92.73
0.94
0.86
236.90
3.21
Provision for leave encashment
252.99
4.52
Total:
493.70
1288.22
1.12
794.52
1.12
Net Deferred tax Liability /Asset
10.7. AS-24 Discontinuing operations

During the financial year 2013-14 the Group has not
discontinued the operations of any of its branches, which
resulted in shedding of liability and realization of the assets
and no decision has been finalized to discontinue an
operation in its entirety, which will have the above effect.
10.8 AS-28 Impairment of Assets

In view of the absence of indication of material impairment
within the meaning of clause 5 to clause 13 of AS 28
Impairment of Assets, no impairment of fixed assets is
required in respect of current financial year.
10.9 AS-29 Provisions, Contingent Liabilities and
Contingent Assets

Movement of provisions (excluding provisions for others)
(` in crores)
cegkeoceW Legal Cases /
/ DeekeefmcekeleeSb Contingencies
Particulars
eeuet Je<e&
1 Deewue 2013 kees Mes<e

Je<e& kes oewjeve eoe
Je<e& kes oewjeve Heegkele
31 ceee& 2014 kees Mes<e
DeeGHeuees/DeefveefMeleleeDeeW kee mecee
oselee
Provision for doubtful debts and

advances
Amount Disallowable U/S 40(a)
(ia) of the IT Act
10.7 Heefjeeueve yebo kejvee (SSme 24)

efJeeere Je<e& 2013-14 kes oewjeve yeQke ves DeHeveer efkemeer Yeer MeeKee kees yebo
kejves mebyebOeer keee&Jeener veneR keer nw, HeuemJeHe oseleeDeeW kees kece kejkes
DeeefmleeeW keer Jemetueer keer pee mekeer nw Deewj mebHetCe& yeQke mlej Hej DeHeves
Heefjeeueve ceW efkemeer keee&Jeener keer meceeefHle, efpememes GHejeskele HeYeeJe He[s,
mebyebOeer efveCe&e veneR efueee ieee nw.
10.8. DeeefmleeeW kee Devepe&ke yevevee (SSme-28)

uesKee ceeveke-28 DeeefmleeeW kee FbhesejceW kes Keb[ 5 mes Keb[ 13 SSme
28 kes Debleie&le keesF& cenlJehetCe& GuuesKe ve nesves kes heuemJehe eeuet efJeeere
Je<e& ceW Deeue DeeefmleeeW keer keesF& Yeer #eefle Dehesef#ele veneR nw.
10.9 eeJeOeeve, Deekeefmceke oseleeSb leLee Deekeefmceke Deeefmleeeb (SSme-29)

oseleeDeeW kes efueS eeJeOeeveeW kee mebeueve (Deve kes efueS eeJeOeeveeW kees
es[kej)
efJeJejCe

31.03.2013
31.03.2014
efJeJejCe
Deeekej DeefOeefveece kes lenle yener cetueeme
leLee cetueeme kes yeere Deblej
2013-14
Balance as on 1st April 2013

Provided during the year
Amount used during the year
Balance as at 31st March 2014
Timing of Outflow / uncertainties
11. Deekeefmceke oseleeSb

legueveHe$e kes Mes[detue 12 kes e meb. (I) mes (VI) ceW G=le Ssmeer oseleeSb Deoeuele kes
efveCe&e/ Hebe Hewmeues/ Deoeuele kes yeee efvemleejCe/ DeHeerue kee efveHeeje Hej efveYe&j
kejleer nQ. mebyeb heeef&eeW eje mebefJeoelceke oeefelJeeW, efJekeeme, ceebie efkeS peeves keer
Melee&vegmeej ceebieer ieF& jeefMe. Ssmes ceeceueeW ceW keesF& HeefleHetefle& DeHesef#ele veneR nw.
12. Deefleefje ekeerkejCe

cetue yeQke SJeb Deveg<ebefieeeW keer Deueie-Deueie efJeeere efJeJejefCeeeW ceW eke keer ieF&
Deefleefje metevee kee meerSHeSme kes mener SJeb mhe efkeesCe mes mebyebOe veneR nw
Deewj meeLe ner Ssmeer ceoeW mes mebyebefOele metevee kees, pees cenlJehetCe& veneR nw, meerSHeSme
ceW eke veneR efkeee ieee nw.
efheuee Je<e&
Current
Previous
Year
Year
44.94
10.30
3.31
34.64
48.25
44.94
Outflow on settlement/crystallization
11. Contingent Liabilities

12.

Such liabilities as mentioned at Serial No (I) to (VI) of Schedule

12 of Balance Sheet are dependent upon the outcome of court
judgement / arbitration awards / out of court settlement / disposal
of appeals, the amount being called up, terms of contractual
obligations, development and raising of demand by concerned
parties respectively. No reimbursement is expected in such cases.
Additional Disclosures
Additional information disclosed in the separate financial
statements of the Parent and the Subsidiaries having no bearing
on the true and fair view of the CFS and also the information
pertaining to the items which are not material, have not been
disclosed in the CFS.
291
2013-14
12-1 efJelleere Je<e& 2010-11 kes oewjeve, cetue yeQke Deewj Gmekes Deveg<ebieer vewveerleeue yeQke
efueefces[ ves Gve kece&eeefjeeW kes efueS heWMeve efJekeuhe hegve: Keesuee, efpevneWves henues
heWMeve eespevee kees enCe veneR efkeee Lee. Fme efJekeuhe kes heefjCeecemJehe 19289
kece&eeefjeeW eje en efJekeuhe enCe kejves kes keejCe 1855.71 kejes[ hees
keer oselee me=efpele ngF&. Fmekes Deefleefje Deveg<ebieer vewveerleeue yeQke efue. kes meyebOe
cesb eseger meercee ceW ` 3.50 ueeKe mes ` 10 ueeKe keer Je=eq nes peeves kes keejCe
eseger oselee ye{kej 10.09 kejes[ hees nes ieF&. Fme lejn hesvMeve Je eseter
keer oselee ye{kej `1865.80 kejes[ nes ieF&.
12-1 During the financial year 2010-11, the Parent and its Subsidiary
The Nainital Bank Ltd. had reopened the pension option for such
of its employees who had not opted for the pension scheme
earlier. As a result of exercise of such option by 19289 number of
employees, the Group had incurred a liability of `1855.71 crores.
Further in respect of Subsidiary, Nainital Bank Ltd., gratuity
liability has increased by ` 10.09 crores due to enhancement of
limit of gratuity from ` 3.50 lacs to ` 10 lacs. As such the total
liability towards pension and gratuity was 1865.80 crores.
uesKeebkeve ceeveke 15 kece&eejer ueeYe keer DeeJeMekeleeDeeW kes Devegmeej ueeYe

leLee neefve Keeles ceW 1865.80 kejes[ hees keer mecee jeefMe eYeeefjle kejvee
Dehesef#ele Lee. leLeeefhe Yeejleere efj]peJe& yeQke ves meeJe&peefveke #es$e kes yeQkeeW kes
kece&eeefjeeW kes efueS heWMeve efJekeuhe hegve: Keesueves Deewj eseger meerceeDeeW ceW
Je=ef efJeJeske meccele efveeeceke JeJenej kes yeejs ceW heefjhe$eebke [eryeerDees[er.yeerheer.
yeermeer.80/21.04.018/2010-11 efoveebke 9 HejJejer 2011 kees peejer efkeee nw.
Ge heefjhe$e kes eeJeOeeveeW kes Devegmeej mecetn ceW 31 ceee& 2013 leke ueeYe-neefve
Keeles ceW `1492.64 kejes[ hees (`1865.80 kejes[ hees kes 3/5 Yeeie kes
he ceW) eYeeefjle efkeS nwQ. `373.16 kejes[ hees (`1865.80 kejes[ hees `1492.64 kejes[ hees) keer DeefveOee&efjle Mes<e jeefMe `373.16 kejes[ efnmeeye
ceW ueer peeSieer Deewj Gmes Ge heefjhe$e keer efveOee&efjle MeleeX kes Devegmeej Mes<e DeJeefOe
kes efueS eYeeefjle efkeee peeSiee. Fme oselee ceW efJecege/mesJeeefveJe=e kece&eeefjeeW mes
mebyebefOele keesF& jeefMe Meeefceue veneR nw.
In terms of the requirements of the AS 15 - Employee Benefits,

the entire amount of `1865.80 crores was required to be charged
to the Profit and Loss Account. However, vide RBI circular no.
DBOD.BP.BC.80/21.04.018/2010-11 on Re-opening of Pension
Option to Employees of Public Sector Banks and Enhancement
in Gratuity Limits Prudential Regulatory Treatment, dated 9th
February 2011, the Group has charged an amount of ` 1492.64
crores (representing four-fifth of `1865.80 crores) upto March
31, 2014 including ` 373.16 crores. The unrecognized balance
of `373.16 crores (`1865.80 crores `1492.64 crores) shall be
accounted for and charged off over the balance period stipulated
in terms of the said circular. This liability does not include any
amount relating to separated/ retired employees.
12-2 veJecyej 2012 mes ueeiet emleeefJele Jesleve mebMeesOeve kes efJeeejeOeerve efveheeve kes
efueS cetue yeQke keer yeefneeW ceW 31 ceee& 2014 kees `425 kejes[ kee leoLe& eeJeOeeve
efkeee ieee. Je<e& kes oewjeve cetue yeQke ves `300 kejes[ kee eeJeOeeve efkeee nw.
eyebOeve kee cele nw efke en eeJeOeeve heee&hle nw.
12-2 Pending settlement of the proposed wage revision effective from

November 2012, an adhoc provision of `425 crores is held as at
31st March 2014 in the books of Parent Bank. During the year, the
Parent Bank has made a provision of `300 crores. Management
is of the opinion that the said provision is adequate.
12-3 yeQke ves Yeejleere efj]peJe& yeQke kes he$e meb.etyeer[er.meerDees.SceF&DeejDeesF&Deej veb.
7814/09.16.901/2010.11 efo. 4 ceee&, 2011 ceW efoS ieS Devegceesove kes
Devegmeej cesceve kees-Dee@hejsefJe yeQke efueefces[ keer efJeefvee|o DeeeqmleeeW SJeb oseleeDeeW
kee DeefOeienCe efoveebke 18.04.2011 kees efkeee. Yeejleere efj]peJe& yeQke kes he$e
meb. [eryeerDees[er.meb.yeerheer. 1311/21.01.048/2012-11 efo. 25 pegueeF&, 2011
ceW efoS ieS Devegceesove kes Devegmeej yeQke kees efJee Je<e& 2011-12 mes leerve Je<eeX mes
DeveefOeke DeJeefOe kes Yeerlej efJeefMe Deeefmle Deewj oseleeDeeW kes DeblejCe kes keejCe
ngS Meg Iees kees heefjMeesOeve kejves keer Devegceefle oer ieF&. ` 62.20 kejes[ keer
jeefMe efheues Je<e& mes Deeies ueeF& ieF& efpemes yeQke ves efJeeere Je<e& 2013-14 kes oewjeve
ueeYe Je neefve Keeles kees eYeeefjle efkeee nw. Deye Ieee hetjer lejn ueeYe Je neefve
Keeles kees eYeeefjle nes ieee nw.
12-3 The Bank has taken over specified Assets & Liabilities of
The Memon Co-operative Bank Ltd on 18th April, 2011 as per
approval granted by RBI vide letter no. UBD.CO.MEROER No.
7814/09.16.901/2010.11 dated 04th March 2011. Further, RBI
vide letter no. DBOD.No.BP.1311/21.04.048/2010-11 dated 25th
July, 2011 permitted bank to amortize the net deficit arising out
of Transfer of Specific Assets and Liabilities over a period of not
exceeding three years starting from financial year 2011-12. An
amount of ` 62.20 crores was brought forward from previous
year, which bank has charged to profit and loss account during
the FY 2013-14. Now, the deficit stands fully charged to profit &
loss Account.
12-4 eefleYeteflekejCe
12-4 Securitisation
Je<e& kes oewjeve yeQke ves Yeejleere efj]peJe& yeQke kes efoMee efveoxMeeW kes Devegmeej
`253.64 kejes[ (yekeeee Mes<e IeeSb eeJeOeeve) kes Meg yener cetue kes meeLe iewj
efve<heeoke efJeeere Deeefmleeeb, Deeefmle hegveie&"ve kecheveer kees vekeo leLee eefleYetefle
eeefhleeeW kes DeeOeej hej yese oeR. yeQke ves eefleYetefle eeefhleeeW ceW `494.57 kejes[
kee efveJesMe efkeee nw Deewj eefleYetefle eeefhleeeb efJeeere DeeefmleeeW kes Meg yener cetue
hej cetueebefkele keer ieF& nw. eefleYetefle eeefhleeeW kees iewj SmeSueDeej efveJesMe ceevee
ieee nw.
During the year bank has sold Non performing financial assets
with Net Book Value of ` 253.64 crores (Outstanding less
Provisions) to Asset Reconstruction companies on cash and
security receipt basis in accordance with RBI guidelines. The
bank has made investment of ` 494.57 crores in security receipts
and the security receipts have been valued at Net Book Value of
the financial assets. The security receipts are treated as Non SLR
investments.
12-5 yeQke ves peceeveleer DeJeceeveke DeefieceeW hej 15% keer efJeefveeeceke DeeJeMekelee keer
leguevee ceW 20% kee heeJeOeeve efkeee nw.
12-5 The Parent has made provision @ 20% on the Secured Substandard Advance as against the Regulatory requirement of 15%.
12-6 Jele&ceeve Je<e& keer emlegefle kejves kes efueS mecetn mebmLeeDeeW kes efheues Je<e& kes Deebke[eW
kees peneb DeeJeMeke mecePee ieee, Jeneb hegve: JeJeefmLele / hegveefve&Oeeefjle / hegve:
mecetnerke=le efkeee ieee nw.
12-6 Previous year figures of the group entities have been rearranged
/ recast / regrouped wherever considered necessary to conform
current years presentation.
292
2013-14
31 ceee& 2014 kees meceehle Je<e& kes efueS mecesefkele vekeoer eJeen efJeJejCe
Statement of Consolidated Cash Flow for the year ended 31st March, 2014
(` in 000s)
31 ceee& 2014
kees meceeHle Je<e&
31 ceee& 2013
kees meceeHle Je<e&
6065,87,47
5248,36,93
Year ended
31.03.2014
ke. Heefjeeueve keee&keueeHeebs mes vekeoer HeJeen :
Year ended
31.03.2013
A. Cash flow from operating activities:
kej mes HetJe& Meg ueeYe
Net Profit before taxes
efvecveefueefKele kes efueS meceeeespeve :
Adju stments for :
Deeue DeeefmleeeW Hej cetueeme
Depreciation on fixed assets
368,10,96
321,70,12
efveJesMeeW Hej cetue eme (HeefjHekeJe $e+CeHe$eeW meefnle)
Depreciation on investments (including on

Matured debentures)
200,35,45
220,55,42
yes Keeles ceW [eues ieS DeMeesOe $e+Ce/

iewj efve<Heeoke DeeefmleeeW kes efueS HeeJeOeeve
Bad debts written-off/Provision in respect of

non-performing assets
2986,73,19
3501,01,53
ceeveke DeeefmleeeW kes efueS HeeJeOeeve
Provision for Standard Assets
537,33,37
395,21,36
Deve ceoeW kes efueS HeeJeOeeve
Provision for Other items
1100,52,71
848,50,50
Deeue DeeefmleeeW keer efyeeer mes ueeYe /(neefve)
(Profit)/loss on sale of fixed assets
(26,86)
1,22,56
ieewCe $e+CeeW Hej yeepe ueeYe/HeeJeOeeve,

(Deueie mes efueee ieee)
Payment/provision for interest on subordinated

debt(treated separately)
1001,58,88
930,27,55
GHe pees[
Sub total
12260,25,17
11466,85,97
efvecveefueefKele kes ef}S meceeeespeve :
Adjustments for:
efveJesMeeW ceW (Je=ef) / keceer
(Increase)/Decrease in investments
3303,83,42
(39140,60,32)
DeefieceeW ceW (Je=ef) / keceer
(Increase)/Decrease in advances
(73076,90,74)
(45049,07,56)
Deve DeeefmleeeW ceW (Je=ef) / keceer
(increase)/Decrease in other assets
(1739,22,05)
1889,31,06
GOeej jeefMeeeW ceW Je=ef / (keceer)
Increase/(Decrease)in borrowings
3760,80,92
2852,58,41
pecee jeefMeeeW ceW Je=ef / (keceer)
Increase/(Decrease) in deposits
97358,16,30
90022,94,80
Deve oseleeDeeW leLee HeeJeOeeveesb ceW Je=ef /(keceer)
Increase/(Decrease) in other liabilities and

provisions
2878,93,36
2981,82,56
Heoe Hele#e kej (efjHeb[ kee Meg)
Direct taxes paid (Net of Refund)
(2513,24,19)
(1827,70,72)
Heefjeeueve efeeekeueeHeeW mes efveJeue vekeoer (ke)
Net cash from operating activities (A)
42232,62,20
23196,14,20
(769,62,92)
(560,09,92)
39,27,35
45,94,30
(730,35,57)
(514,15,62)
8,15,88
10,13,29
Ke.efveJesMe mebyebOeer efeeekeueeHeeW mes vekeoer eJeen : B. Cash flow from Investing activities :
Deeue DeeefmleeeW keer Kejero
Purchase of fixed assets
Deeue DeeefmleeeW keer efyeeer
Sale of fixed assets
efveJesMe mebyebOeer keee&keueeHeeW mes Meg vekeoer (Ke)
Net cash from investing activities (B)
ie. efJelleere efeeekeueeHeeW mes vekeoer eJeen

Mesej hetbpeer
C. Cash flow from financing activities:

Share Capital
293
2013-14
(` in 000s)
31 ceee& 2014
kees meceeHle Je<e&
31 ceee& 2013
kees meceeHle Je<e&
541,84,12
839,86,71
6662,54,90
102,30,00
Year ended
31.03.2014
Year ended
31.03.2013
Mesej Heerefceece
Share premium
iewj peceeveleer ieewCe yeeb[
Unsecured Subordinated Bonds
ueeYeebMe
Dividend
(1059,62,50)
(812,29,04)
iewj peceeveleer Heefleose yeeb[eW Hej Heoe /ose yeepe
Interest paid / payable on unsecured

redeemable bonds
(1001,58,88)
(930,27,55)
efJeeHees<eCe ieefleefJeefOeeeW mes Meg vekeoer (ie)
Net cash from financing activities (C)
5151,33,52
(790,26,59)
vekeoer SJeb vekeoer mecelegue (ke)+(Ke)+(ie) ceW

Meg Je=ef
Net increase in cash & cash equivalents

(A)+(B)+(C)
46653,60,14
21891,71,99
Je<e& kes DeejbYe ceW vekeoer SJeb vekeoer mecelegue
Cash and cash equivalents as at the beginning

of the year
87702,06,66
65810,34,67
Je<e& kes Deble ceW vekeoer SJeb vekeoer mecelegue
Cash and cash equivalents as at the end of

the year
134355,66,80
87702,06,66
As on 31st
March 2014
As on 31st
March 2013
19444,73,16
14151,18,45
efhheCeer
Notes:
1 vekeoer leLee vekeoer mecelegue ceW neLe ceW vekeoer, 1 Cash & Cash equivalents includes Cash on
hand, Balance with RBI & Other banks and
Yee.efj.yeQ. leLee Deve yeQkeeW kes Heeme Mes<e Deewj
Money at call and Short Notice.
ceebie leLee DeuheeJeefOe veesefme hej cege Meeefceue nQ.
2 vekeoer leLee vekeoer mecelegue kes Ieke
2 Components of Cash & Cash Equivalents
Yee.efj.yeQ. kes Heeme vekeoer SJeb Mes<e
Cash & Balance with RBI
yeQkeeW kes meeLe Mes<e leLee ceebie SJeb DeuheeJeefOe veesefme

hej cege
Balances with Banks and Money at Call and

Short Notice
114910,93,64
73550,88,21
pees[
Total
134355,66,80
87702,06,66
294
2013-14
yeQke Dee@]He ye[ewoe keer mecesefkele efJelleere efJeJejefCeeeW hej uesKee hejer#ekeeW keer efjhees&
Auditors' Report on Consolidated Financial Statements of Bank of Baroda
mesJee ceW,
efveosMeke ceb[ue,
1.
nceves yeQke Dee@]He ye[ewoe (o ieghe) kes 31 ceee& 2014 kes mebueive mecesefkele
legueve he$e Deewj Gmekes meeLe mebueive Ge leejerKe kees meceehle Je<e& kes mecesekf ele
ueeYe-neefve efJeefJejCe Deewj Ge leejerKe kees mecesefkele vekeoer heJeen efJeJejCeer
keer uesKee hejer#ee keer nw. FveceW efvecveefueefKele kes Keeles Meeefceue efkeS iees nQ:
i.
nceejer uesKee Hejer#ee efjHees& efoveebke 13 ceF& 2014 kes Devegmeej nceejs
eje uesKee hejeref#ele yeQke Dee@]He ye[ewoe (o yeQke) kes uesKee hejeref#ele
Keeles,
ii.
Deve uesKee hejer#ekeeW eje uesKee hejeref#ele -12- Deveg<ebefieeeW leLee

-6- meneesieer FkeeFeeW, 3 mebege Gece kes uesKee hejeref#ele Keeles,
efJelleere efJeJejefCeeeW nsleg eyebOeve kee oeefelJe
mecesefkele efJeeere efJeJejefCeeeb yeQke eyebOeve keer efpeccesoejer nw leLee FvnW eyebOeve
eje Deveg<ebefieeeW leLee meneesieer FkeeFeeW leLee mebege GheeceeW keer Deueie
efJeeere efJeJejefCeeeW leLee Deve efJeeere meteveeDeeW kes DeeOeej hej leweej efkeee
ieee nw. nceejer efpeccesoejer mecesefkele efJeeere efJeJejefCeeeW kes yeejs ceW nceejs
eje keer ieF& uesKee hejer#ee kes DeeOeej hej cele Jee kejvee nw.
2.
yeQke eje mecesefkele efJeeere efJeJejefCeeeW kees uesKee ceeveke SSme-21 (mecesefkele
efJeeere efJeJejefCeeeb) Deewj uesKee ceeveke SSme-23 (mecesefkele efJeeere
efJeJejefCeeeW ceW Deveg<ebefieeeW ceW efveJesMe nsleg uesKeebkeve) leLee uesKee ceeveke SSme27 (mebege GeceeW ceW yeepe keer efJeeere efjheesefie) kes DeeOeej hej Fbefmet
Dee@He ee&[ SkeeGbsvme Dee@He Fbef[ee leLee Yeejleere efj]peJe& yeQke eje peejer
efoMee-efveoxMeeW kes Deveghe leweej efkeee ieee nw.
uesKee Hejer#ekeeW kee oeefelJe

3.
nceves mecesefkele efJeeere efJeJejefCeeeW keer uesKee hejer#ee, Yeejle ceW meeceevele:
mJeerkeee& uesKee hejer#ee ceevekeeW kes Deveghe keer nw. Fve ceevekeeW kes Devegmeej
en Dehesef#ele nw efke nce uesKee hejer#ee Fme ekeej megefveeesefpele Deewj mebheVe
kejW efke nceW en leke& mebiele DeeMJeemeve efceues efke es efJeeere efJeJejefCeeeb
efveOee&efjle efJeeere efjheesefie kes esceJeke& kes Devegmeej leweej keer ieF& nQ, leLee
meYeer ekeej keer cenlJehetCe& ieueefleeeW mes cege nQ. uesKee hejer#ee ceW, peebe
DeeOeej hej hejer#eCe, jeefMeeeW mebyebefOele eceeCe Deewj efJeeere efJeJejefCeeeW kee
ekeerkejCe Meeefceue nw. uesKee hejer#ee ceW eyebOeve eje, eege uesKeekejCe
efmeebleeW kee efveOee&jCe Deewj cenlJehetCe& Deekeueve Meeefceue nw. FmeceW mecee
efJeeere efJeJejefCeeeW kee emlegleerkejCe cetueebkeve Yeer Meeefceue nw. nceeje
efJeMJeeme nw efke nceejs eje keer ieF& uesKee hejer#ee nceejs jee kee leke& mebiele
DeeOeej nw.
4.
mecesefkele efJeeere efJeJejefCeeeW ceW efvecveefueefKele Meeefceue nw.

ke) 9 Devleje&êre Deveg<ebefieeeW leLee -1- mebege Gece keer efJeeere
efJeJejefCeeeb, efpevekeer nceves uesKee hejer#ee veneR keer nw. Fvekeer efJeeere
To
The Board of Directors,
Bank of Baroda
1
We have audited the attached Consolidated Balance

Sheet of Bank of Baroda (the Group) as at March 31,
2014, the Consolidated Statement of Profit and Loss for
the year ended on that date and the Consolidated Cash
Flow Statement for the year ended on that date, annexed
thereto, in which are incorporated:
i)
Audited Accounts of the Bank of Baroda (The Bank),

audited by us, vide our audit report dated May 13,
2014;
ii)
Audited Accounts of 12 Subsidiaries, 6 Associates

and 3 Joint Ventures, audited by other Auditors;
Managements
Statements
Responsibility
for
the
Financial
The Consolidated Financial Statements are the

responsibility of the Banks management and have been
prepared by the management on the basis of separate
financial statements and other financial information
regarding subsidiaries, associates & joint ventures.
Our responsibility is to express our opinion on these
Consolidated Financial Statements based on our audit.
These Consolidated Financial Statements have been

prepared by the Bank in accordance with the requirements
of AS 21 (Consolidated Financial Statements), AS 23
(Accounting for Investment in Associates in Consolidated
Financial Statements) and AS 27 (Financial Reporting
of Interest in Joint Ventures) issued by the ICAI and the
guidelines issued by the Reserve Bank of India.
Auditors Responsibility
3
We conducted our audit of the Consolidated Financial

Statements in accordance with the Auditing Standards
generally accepted in India. These standards require
that we plan and perform the audit to obtain reasonable
assurance whether the Financial Statements are
prepared, in all material respects, in accordance with
an identified financial reporting framework and are free
of material misstatements. An audit includes, examining
on a test basis, evidence supporting the amounts and
disclosures in the financial statements. An audit also
includes assessing the accounting principles used and
significant estimates made by the management as well
as evaluating the overall financial statement presentation.
We believe that our audit provides a reasonable basis for
our opinion.
Incorporated in the Consolidated Financial Statements

are:
a) Financial statements of 9 international subsidiaries
& 1 Joint Venture which have not been audited by
295
2013-14
efJeJejefCeeeW ceW 31 ceee& 2014 kees kegue Deeefmleeeb 9629.02 kejes[

hees kee GuuesKe nw Deewj Je<e& kes Devle ceW 933.83 kejes[ hees
kee kegue jepemJe leLee 395.87 kejes[ hees kee vekeoer eJeen nw.
Ge Deveg<ebefieeeW leLee mebege GeceeW keer efJeeere efJeJejefCeeeW leLee
efJeeere metevee keer mLeeveere he mes meeceevele: mJeerke=le uesKeebkeve
efmeebleeW (peerSSheer) keer DeeJeMekeleeDeeW kes Devegmeej otmejs uesKee
hejer#ekeeW eje uesKee hejer#ee keer ieeer nw. eyebOeve eje Yeejleere
peerSSheer keer Dehes#eeDeeW kes Devegmeej Fve efJeeere efJeJejefCeeeW kees
heebleefjle efkeee ieee nw Deewj Fvekeer Gvekes eje uesKee hejer#ee keer
ieF& nw Deewj nceejs efJeeej mes Ge Deveg<ebefieeeW kes yeejs ceW peneb leke
meceeefJe jeefMeeeW kee mebyebOe nw, es cetuele: Gve uesKee hejer#ekeeW keer
efjheeseX hej leLee Yeejleere peerSSheer ceW heeblejCe kes DeeOeej hej nw
pewmee efke Thej yeleeee ieee nw.
us, whose financial statements reflect total assets

of Rs. 9629.02 crores as at 31st March, 2014
and total revenue of Rs. 933.83 crores and cash
flows amounting to Rs. 395.87 crores for the year
then ended. The financial statements and other
financial information of said subsidiaries and joint
ventures have been audited by other auditors as
per the requirement of respective local Generally
Accepted Accounting Principles (GAAP). These
financial statements have been converted as per the
requirements of Indian GAAP by the management
and audited by them and our opinion, in so far it
relates to the amounts included in respect of those
subsidiaries is based solely on the reports of those
auditors and its conversion into Indian GAAP as
stated above.
Ke) leerve Iejsuet Deveg<ebefieeeW leLee oes Iejsuet mebege Gece kes Deebke[W,
efpevekeer otmejs uesKee hejer#ekeeW ves uesKee hejer#ee veneR keer nw. Fvekeer
efJeeere efJeJejefCeeeW ceW 31 ceee& 2014 kees kegue Deeefmleeeb 8824.25
kejes[ hees leLee Je<e& kes Devle ceW 1771.46 kejes[ hees kee
jepemJe leLee kegue Deee SJeb vekeoer eJeen kes he ceW 594.51 kejes[
hees kee GuuesKe nw.
b) Figures of 3 domestic subsidiaries and 2 domestic

joint ventures which have been audited by other
auditors, whose financial statements reflect total
assets of Rs. 8824.25 crores as at March 31, 2014
and total revenue of Rs. 1771.46 crores and cash
flows amounting to Rs. 594.51 crores for the year
then ended.
5.
cenlJeHetCe& efJe<ee
Emphasis of Matter
Deheveer jee kees meb%eeve ceW ve uesles ngS, nce efvecveefueefKele keer Deesj Oeeve
Deekeef<e&le kejles nQ
Without qualifying our opinion, we draw attention to:
1)
2)
Devegmeteer 19 kes vees meb.12.1, efpemeceW yeQke leLee Gmekeer Deveg<ebieer

vewveerleeue yeQke efueefces[ keer DeemLeefiele oselee kee GuuesKe efkeee
ieee nw peesefke 31 ceee&, 2014 kees 373.16 kejes[ hees keer heWMeve
leLee Gheoeve (ieseger) mes mebye nw. en Yeejleere efj]peJe& yeQke
(YeeefjyeQ)eje mejkeejer #es$e kes yeQkeeW kes kece&eeefjeeW kees heWMeve kee
efJekeuhe hegve: Keesueves kes yeejs ceW peejer heefjhe$eebke [eryeerDees[er.yeerheer.
yeermeer/80/21.04.018/2010-11 efoveebke 9 HejJejer, 2011 kes
Devegmeej leLee Yeejleere meveoer uesKeekeej mebmLeeve eje uesKeebkeve
efmeeble 15 (mebMeeseOf ele), kece&eejer ueeYe kes heeJeOeeveeW kees ueeiet kejves
mes yeQkeeW kees t osves kes Devegheeueve kes mebyebOe ceW nw.
Devegmeteer 19 kes vees meb.5.3, efJeeere efJeJejefCeeeW ceW, efpemeceW
DeemLeefiele kej oselee keer jeefMe keer uesKeebkeve heefle kee GuuesKe
efkeee ieee nw pees Yeejleere efj]peJe& yeQke he$e meb. [eryeerDees[er meb.
yeerheer.yeermeer.77/21.04.018/2013-14 efoveebke 20 efomecyej,
2013 kes Deveghe 31 ceee& 2013 leke Deeekej DeefOeefveece
1961 keer Oeeje 36(1) (viii) kes lenle efJeMes<e eejef#ele kes oeJes
kes efueS GheueyOe kejeF& ieeer nw. Fme ceeceues kes mebyebOe ceW nceejer
jee meehes#e vener nw.
6 jee

296
1) Note No. 12.1 of Schedule 19, which describes

deferment of liability of the Bank & its subsidiary,
the Nanital Bank Limited, relating to Pension and
Gratuity to the extent of Rs. 373.16 Crores as on 31st
March, 2014 pursuant to the exemption granted by
the Reserve Bank of India (RBI) to the public sector
banks from application of the provisions of Accounting
Standard 15 (Revised), Employee Benefits issued
by Institute of Chartered Accountant of India, vide its
circular no. DBOD. BP.BC/80/21.04.018/ 2010-11
dated February 9, 2011, on Re-opening of Pension
Option to Employees of Public Sector Banks.
nceejer uesKee hejer#ee SJeb Deve uesKee hejer#ekeeW keer Deueie efJeeere
efJeJejefCeeeW, uesKee hejer#ee ve keer ieF& efJeeere efJeJejefCeeeW Deewj IekeeW
keer Deve efJeeere metevee leLee nceejer meJeexece peevekeejer Deewj Gheeg&e
hewjeeeHe 4 leLee 5 kes meeLe heef"le nceW efoS iees mheerkejCe kes Devegmeej
nceejer en jee nw efke mebueive mecesefkele efJeeere efJeJejefCeeeb Yeejle ceW
2) Note No. 5.3 of Schedule 19, to the financial

statements, which describes the accounting
treatment of the amount of Deferred Tax Liability
provided for on the claim of Special Reserve under
section 36(1)(viii) of the Income Tax Act, 1961 up
to at 31st March 2013, pursuant to RBIs Circular
No. DBOD. No. BP.BC.77/21.04.018/2013-14 dated
20th December 2013. Our opinion is not qualified in
respect of this matter.
6 Opinion

Based on our audit, consideration of reports of other

auditors on separate financial statements, consideration
of unaudited financial statements and on the other
financial information of the components, and to the best
of our information and according to the explanations
given to us read with paragraphs 4 and 5 above,
we are of the opinion that the attached consolidated
financial statements give a true and fair view in conformity

meeceevele: mJeerke=le uesKeebkeve efmeebleeW kes Deveghe JeemleefJeke SJeb mener
lemJeerj hemlegle kejleer nQ:
2013-14
with the accounting principles generally accepted in

India:
(i)
31 ceee& 2014 kees yeQke, yeQke keer Deveg<ebefieeeW kes keee& JeJenejeW
leLee yeQke keer meneesieer kebheefveeeW / mebege GheeceDeeW kes efnlees mes
mebyebefOele mecesefkele legueve he$e kes mebyebOe ceW
(i) in the case of the Consolidated Balance Sheet, of

the state of affairs of the Bank, its Subsidiaries and
interests in its Associates/ Joint ventures (Group) as
on 31st March 2014;
(ii)
Ge leejerKe kees meceehle Je<e& kes efueS ieghe kes mecesefkele ueeYe mebyebOeer
mecesefkele ueeYe neefve Keeles kes mebyebOe ceW, Deewj
(ii) in the case of the Consolidated Statement of Profit &

Loss, of the consolidated Profit of the Group for the
year ended on that date, and
(iii) Ge leejerKe kees meceehle Je<e& kes efueS ieghe kes vekeoer heJeen mebyebOeer
mecesefkele vekeoer heJeen efJeJejCeer kes mebyebOe ceW.
(iii) in the case of Consolidated Cash Flow Statement, of

the cash flows of the Group for the year ended on
that date.

meveoer uesKeekeej
(Sce.kes.pegvespee)
Yeeieeroej
Sce. veb.: 013117

meveoer uesKeekeej
(peer.megyyee jeJe)
Yeeieeroej
Sce. veb.: 019579
ke=les js SC[ js
meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 056060

FRN: 001135N
(M. K. Juneja)
Partner
M. No. 013117

FRN: 002460S
(G. Subba Rao)
Partner
M No.019579
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M. No. 056060

meveoer uesKeekeej
(Sve.yeer.Meser)
Yeeieeroej
Sce. veb.: 016718

meveoer uesKeekeej
(kes. kes. njesef[ee)
Yeeieeroej
Sce. veb.: 034751

meveoer uesKeekeej
(MewuesMe Meen)
Yeeieeroej
Sce. veb.: 0033632
For N. B. S. & Co.

FRN: 110100W
(N. B. Shetty )
Partner
M No.016718
For KASG & Co.

FRN: 002228C
( K. K. Harodia)
Partner
M No.034751

FRN : 105049W
(Shailesh Shah)
Partner
M No.0033632

efoveebke / Date: 13 ceF& 2014 / 13th May, 2014
297
2013-14
meer F& Dees / meer SHe Dees eceeCeerkejCe
efveosMeke ceC[ue
cegcyeF&
efee cenesoe,
efJe<ee : Je<e& 2013-14 kes efueS meer F& Dees / meer SHe Dees eceeCeerkejCe - mecesefkele
yee@cyes me@ke SkemeeWpe efueefces[ leLee vesMeveue me@ke SkemeeWpe efueefces[ kes meeLe meteeryelee kejej keer Oeeje 41 SJeb Oeeje 49 keer Devegheeuevee mJehe nce Sleod eje
eceeefCele kejles nQ efke
ke. nceves Je<e& 2013-14 keer efJeeere efJeJejCeer leLee vekeoer eJeen efJeJejCeer (mecesefkele) keer meceer#ee keer nw leLee nceejer DeefOekelece peevekeejer SJeb efJeeeme kes Devegmeej :
i. Fve efJeJejefCeeeW ceW keesF& efJe<eeiele DeeLeeLe& DeefYekeLeve veneR nw DeLeJee keesF& efJe<eeiele leLe efheeee veneR ieee nw DeLeJee FveceW keesF& Yeeceke DeefYekeLeve Meeefceue
veneR efkeee ieee nw.

ii. es DeefYekeLeve / efJeJejCe yeQke kes keee&keueeheeW kee mener SJeb mhe efkeesCe emlegle kejles nQ leLee es efJeeceeve uesKee ceevekeeW, ueeiet efveeceeW SJeb efJeefveeceeW kes
Deveghe nQ.
Ke. nceejer peevekeejer SJeb efJeeeme kes Devegmeej Je<e& kes oewjeve yeQke eje Ssmes keesF& mebJeJenej veneR efkeS ieS pees OeesKeeOe[er ceW efuehle nes, iewj keevetveer nes DeLeJee yeQke keer
Deeeej mebefnlee kes efJe neW.
ie. nce efJeeere efjheesefie mes mecye Deevleefjke efveev$eCeeW kee hetCe& oeefelJe mJeerkeej kejles nQ. nce en Yeer mJeerkeej kejles nQ efke nceves efJeeere efjheesefie keer Deevleefjke
efveev$eCe eCeeueer keer eYeeJeMeeruelee kee cetueebkeve/Deekeueve efkeee nw leLee nceves uesKee hejer#ekeeW Deewj uesKee meefceefle kees Deevleefjke efveev$eCeeW kes heefjeeueve SJeb mJehe
mes mecye keefceeeW, eefo keesF& nw DeLeJee pees nceejs DeefYe%eeve ceW nQ SJeb nceves FvnW otj kejves kes efueS pees Gheee efkeS nQ ee emleeefJele nw, keer peevekeejer os oer nw.
Ie) nceves uesKee hejer#ekeeW leLee uesKee hejer#ee meefceefle kees efvec>efueefKele mes DeJeiele kejeee nw.
i.
Je<e& kes oewjeve efJeeere efjheesefie kes meboYe& ceW Deevleefjke efveev$eCe JeJemLee ceW cenlJehetCe& heefjJele&ve
ii. Je<e& kes oewjeve uesKee veerefleeeW ceW cenlJehetCe& heefjJele&ve leLee Fvekee GuuesKe efJeeere efJeJejefCeeeW kes veesdme ceW kej efoee ieee nw
iii.
nceejer peevekeejer ceW DeeS OeesKeeOe[er mecyebOeer efJeefMe ceeceues leLee GveceW eyevOeve DeLeJee efkemeer kece&eejer keer mebefuehlelee, efpemekeer Deevleefjke efveev$eCe eCeeueer
mebyebOeer efJelleere efjHeesefie ceW Dence Yetefcekee nes.
Jeer. kes. ieghlee Sme.Sme.cetbo[e

ceneeyevOeke DeOe#e SJeb eyebOe efveosMeke
(keeheexjs Keeles, kejeOeeve SJeb Deveg<ebefieeeb leLee meerSHeDees)
efoveebke : 13 ceF& 2014
mLeeve : cegbyeF&
298
2013-14
CEO / CFO certification
Board of Directors,
Bank of Baroda
Mumbai
Dear Sirs,
Re : Re : CEO/CFO Certification for the year 2013-14 - Consolidated

Pursuant to Clause 41 and 49 of the Listing Agreements with Bombay Stock Exchange Limited and National Stock Exchange
Limited, we hereby certify that:
a. We have reviewed financial statements and the cash flow statement for the year 2013-14 (Consolidated) and that to the
best of our knowledge and belief:
i.
These statements do not contain any materially untrue statement or omit any material fact or contain statements that
might be misleading:
ii. These statements together present a true and fair view of the Banks affairs and are in compliance with existing
accounting standards, applicable laws and regulations.
b. There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year which are
fraudulent, illegal or violative of the Banks code of conduct.
c. We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have
evaluated the effectiveness of internal control systems of the Bank pertaining to financial reporting and we have disclosed
to the auditors and the Audit Committee deficiencies in the design or operation of such internal controls, if any, of which
we are aware and the steps we have taken or propose to take to rectify these deficiencies.
d. We have indicated to the Auditors and the Audit Committee.
i.
Significant changes in internal control over financial reporting during the year.
ii. Significant changes in accounting policies during the year and that the same have been disclosed in the notes to the
financial statements and
iii. Instances of significant fraud of which we have become aware and the involvement therein, if any, of the
management or an employee having a significant role in the Banks internal control system over financial reporting.
.
V. K. Gupta S. S. Mundra
General Manager
(Corp. A/cs, Taxation & Subsidiaries and CFO)
Place : Mumbai
299
Heece& yeer
Hee@kemeer - Heece&
(MesejOeejke eje Yeje SJeb nmlee#ej efkeee peeS)

18JeeR Jeeef<e&ke meeceeve yew"ke
yegOeJeej, 25 petve, 2014
Hebpeerke=le Heesefueees e.
[erHeer DeeF&[er e.*
ieenke DeeF&[er e.*
(Fueskeêsefveke he ceW Mesej jKeves Jeeues meomeeW kes efueS ueeiet)
efveJeemeer
ceQ/nce
efpeuee
jepe
yeQke Dee]@He ye[ewoe kee/kes MesejOeejke nesves kes veeles Sleodeje
eer/eerceleer
efveJeemeer
efpeuee
jepe
kees DeLeJee Gvekeer DevegHeefmLeefle ceW eer/eerceleer
efveJeemeer
efpeuee
jepe
kees yegOeJeej, 25 petve, 2014 kees heele 10:30 yepes mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej mesJee meove, er.heer.- 1,
SHe. heer. 549/1, peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[, Dekeese, Je[esoje- 390 020 ceW ee Fmekeer mLeefiele leejerKe kees yeQke Dee@]He ye[ewoe kes MesejOeejkeeW
keer nesves Jeeueer 18 JeeR Jeee|<eke meeceeve yew"ke ceW cesjer / nceejer Deesj mes yew"ke ceW Yeeie uesves Deewj Jees osves kes efueS hee@kemeer efveege kejlee / kejleer ntb / kejles nQ.

leejerKe
ee@kemeer kes nmlee#ej
veece (mhe De#ejeW ceW) :

helee :
ceen
2014 kees nmlee#eefjle
ke=heee
jepemJe
efke eneb
ueieeeW
eLece MesejOeejke / Skeue MesejOeejke kes nmlee#ej
Hee@kemeer Heece& Hej nmlee#ej kejves SJeb Hemlegle kejves mebyebOeer DevegosMe
1. Hee@kemeer keer keesF& efueKele leye leke JewOe veneR ceeveer peeSieer peye leke efke :
(ke) en Jeweefkeleke MesejOeejke kes ceeceues ceW, MesejOeejke eje ee Gmekes eje efJeefOeJele efueefKele He ceW HeeefOeke=le Gmekes Deveea eje nmlee#eefjle ve nes.
(Ke) mebegkele OeejkeeW kes ceeceues ceW, en jefpemj ceW ope& HeLece MesejOeejke eje ee Gmekes eje efJeefOeJeled efueefKele He ceW HeeefOeke=le Gmekes Deveea eje nmlee#eefjle ve nes.
(ie) efvekeee keeHeexjs kes ceeceues ceW, efJeefOeJele efueefKele He ceW HeeefOeke=le Fmekes DeefOekeejer DeLeJee Deveea eje nmlee#eefjle ve nes.
yeMelex efke Hee@kemeer efueKele efkemeer MesejOeejke eje mecegefele He mes nmlee#eefjle nesvee eeefnS efkebleg eefo efkemeer keejCeJeMe MesejOeejke DeHevee veece efueKeves ceW DemeceLe& nQ Deewj Gmekes
Debiet"s kee efveMeeve Jeneb ueiee nw, lees en veeeeOeerMe, cewefpem^s, jefpemêj ee GHejefpemêj Dee@He SMeesjsvmesme ee efkemeer Deve mejkeejer jepeHeef$ele DeefOekeejer ee yeQke Dee@]He ye[ewoe
kes efkemeer DeefOekeejer eje mee#eebefkele nesvee eeefnS.
2. keesF& Yeer hee@kemeer leye leke JewOe veneR nesieer peye leke efJeefOeJele mebefhele ve nes Deewj Fmes yeQke kes heOeeve keeee&uee ceW yew"ke keer leejerKe mes kece mes kece eej efove henues DeLee&le MegeJeej,
20 petve, 2014 kees meebe 5.00 yepes leke yeQke Dee@He ye[ewoe, kesJeeF&meer SJeb SSceSue efJeYeeie, heOeeve keeee&uee, Dee"Jeeb leue, metjpe hueepee-1, meeepeeriebpe, Je[esoje- 390 005 ceW
yeQke keer keee& meceeeqhle hej ee Fmemes hetJe& pecee ve kejeee ieee nes. Fmekes meeLe Gme cegKleejveecee ee Deve heeefOekeej(eefo keesF& nes) efpemekes lenle Fmes nmlee#eefjle efkeee ieee nes ee
Gme cegKleejveecee keer heefle ee heeefOekeej keer heefle efpemes veesjer heeqyueke ee ceefpem^s eje mele heceeefCele efkeee ieee nes, kees pecee ve kejeee ieee nes, yeMelex efke Ssmee cegKleejveecee
ee Deve heeefOekeej, yeQke ceW henues pecee Deewj hebpeerke=le ve efkeee ieee nes.
3. hee@kemeer kee keesF& Yeer efueKele leye leke efJeefOeceeve veneR nesiee, peye leke Jen Heece& yeer ceW ve nes.
4. yeQke kes heeme pecee keer ieF& hee@kemeer keer efueKele DeheefjJele&veere Deewj Debeflece nesieer..
5. efJekeuhe kes leewj hej oes mJeerke=le JeefeeeW kes he#e ceW oer ieF& hee@kemeer efueKele kes ceeceues ceW Ske mes DeefOeke Heece& efve<heeefole veneR efkeee peeSiee.
6. hee@kemeer keer efueKele kees efve<heeefole kejves Jeeuee Devegoelee (ieebj) mebyebefOele yew"ke ceW Jeefeiele he ceW celeoeve kee nkeoej veneR nesiee.
7. efkemeer Yeer Ssmes Jeefe kees eLeeefJeefOe heeefOeke=le heefleefveefOe DeLeJee hee@kemeer efveege veneR efkeee peeSiee pees yeQke Dee@]He ye[ewoe kee DeefOekeejer DeLeJee kece&eejer nes.
8. hee@kemeer Heece& ceW efkeS ieS meYeer heefjJele&ve efJeefOeJele eceeefCele nesves eeefnS
Form B
PROXY FORM
(To be filled in and signed by the Shareholder)
18th Annual General Meeting
Regd.Folio No.
DPID No*.
Client ID No.* _____________________
(* Applicable for members holding shares in electronic form)
resident of
I / We
Wednesday, 25th June 2014
in the district of
in the State of
being a shareholder / shareholders of Bank of Baroda, hereby appoint
Shri/Smt.
resident of
in the State of
resident of
in the district of
or failing him/her, Shri/Smt.
in the district of
in the state of
as my/our proxy to vote for me/us and on my/our behalf at the 18th ANNUAL
GENERAL MEETING of the Shareholders of BANK OF BARODA to be held on Wednesday, 25th June 2014, at 10.30 a.m. at
Sir Sayajirao Nagargriha, Vadodara Mahanagar Seva Sadan, T.P. - 1, F.P. 549/1, Near GEB Colony, Old Padra Road, Akota,
Vadodara 390020 and at any adjournment thereof.

Signed this
day of
2014
Signature of Proxy
Name
(In Block Letters)
Affix
Revenue
Stamp
Address
INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM

1. No instrument of proxy shall be valid unless:
a. In the case of an individual shareholder, it is signed by him/her or by his/her attorney, duly authorized in writing or
b. In the case of joint holders, it is signed by the shareholder first named in the register or his/her attorney, duly authorized in writing or
c. In the case of the body corporate, signed by its officer or an attorney duly authorized in writing.
Provided that an instrument of Proxy shall be sufficiently signed by any shareholder, who is, for any reason, unable to write his/her name,
if his/her mark / thumb impression is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurance or other
Government gazetted officer or an officer of Bank of Baroda.
2. No proxy shall be valid unless it is duly stamped and is deposited at the Head Office of the Bank at Bank of Baroda, KYC & AML Department,
08th Floor, Suraj Plaza I, Sayajiganj, Vadodara 390 005, not less than 4- days before the date fixed for the meeting i.e. on or before
the closing hours of the Bank at 5.00 p.m. on Friday, 20th June 2014, 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 other authority certified as true copy by a Notary Public or a Magistrate unless such
a power of attorney or the other authority is previously deposited and registered with the Bank.
3. No instrument of proxy shall be valid unless it is in Form B.
4. An instrument of proxy deposited with the Bank shall be irrevocable and final.
5. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.
6. The grantor of an instrument of proxy shall not be entitled to vote in person at the meeting to which such instrument relates.
7. No person shall be appointed as duly authorized representative or a proxy who is an officer or an employee of Bank of Baroda.
8. All alterations in the Proxy Form should be duly authenticated.
Signature of first named/sole Shareholder

(Across the stamp)
GHeefmLeefle Heeea
18JeeR Jeeef<e&ke meeceeve yew"ke
efoveebke
yegOeJeej, 25 petve, 2014
mLeeve
mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej mesJee meove,

er.heer.-1, SHe.heer. 549/1, peerF&yeer kee@ueesveer kes heeme,
Deesu[ heeoje jes[, Dekeese, Je[esoje 390 020
hetje veece (mhe De#ejeW ceW)

MesejeW keer mebKee
Heesefueees meb.
(Yeewefleke he ceW nesefu[bie nsleg)
[erheer DeeF&[er / ieenke DeeF&.[er.mebKee

(Fueskeê@efveke he ceW MesejOeejkeeW kes efueS)
GHeefmLele MesejOeejke/ Hee@kemeer /

HeefleefveefOe kes nmlee#ej
efhheCeer :
1. yew"ke ceW Yeeie uesves kes Fgke meome/hee@kemeer Oeejke yew"ke ceW GheeqmLeefle heeea DeJeMe meeLe ueeS leLee Fmes efJeefOeJele he ceW Yejkej SJeb nmlee#ej kej
heJesMe ej hej meeQhe oW.
2. yew"ke ceW Yeeie uesves kes Fgke meome / hee@kemeerOeejke yew"ke ceW meboYe& Deeefo kes efueS Jeee|<eke efjhees& keer Deheveer heefle meeLe ueskej DeeSb.
HeJesMe He$e
(yew"ke keer mecemle keee&Jeener kes oewjeve DeHeves Heeme jKeW)

Heesefueees meb.
(Yeewefleke he ceW MesejOeejkeeW kes efueS)
[erheer DeeF&[er / ieenke DeeF&.[er.

(Fueskeê@efveke he ceW MesejOeejkeeW kes efueS)
hetje veece (mhe De#ejeW ceW)

MesejeW keer mebKee
efhheCeer :
1. MesejOeejkeeW/Hee@kemeer DeLeJee MesejOeejkeeW kes HeefleefveefOe mes DevegjesOe nw efke Jes yew"ke mLeue hej HeJesMe HeeHle kejves kes efueS yeQke/DeejerS ceW Hebpeerke=le
vecetvee nmlee#ej kes Deveghe eLeeefJeefOe nmlee#eefjle Gkele GHeefmLeefle Heeea Deewj HeJesMeHe$e Ske meeLe Hemlegle kejW.
2. leLeeefhe heJesMe, meleeheve /peebe, pewmee DeeJeMeke mecePee peeSiee, kes DeOeerve nesiee.
3. efkemeer Yeer HeefjefmLeefle ceW, yew"ke kes HeJesMeej Hej keesF& [gHueerkes GHeefmLeefle Heeea peejer veneR keer peeSieer.
ATTENDANCE SLIP
18th Annual General Meeting
Date
Wednesday, 25th June 2014
Place
Sir Sayajirao Nagargriha, Vadodara Mahanagar Seva Sadan,

T.P.-1,F.P. 549/1, Near GEB Colony,
Old Padra Road, Akota, Vadodara 390 020
Full Name (In Bock Letters)

No of Shares
Folio No. (for holding in physical form)
DP ID / Client ID No.
(for holding in electronic form)
Signature of the Shareholder /

Proxy / Representative present
Notes:
1.
2.
Member / proxy holder wishing to attend the meeting must bring the attendance slip to the meeting and hand it over
at the entrance duly filled-in and signed.
Member / proxy holder wishing to attend the meeting should bring his/her copy of the Annual Report for reference at
the meeting.
ENTRY PASS
(To be retained throughout the meeting)
Folio No.
(for holding in physical form)
DP ID / Client ID No.
(for holding in electronic form)
No. of Shares
Notes:
1.
2.
3.
Shareholders / proxy or representative of shareholders are requested to produce the above attendance slip, duly filled
in and signed in accordance with their specimen signatures registered with the Bank/RTA, along with the entry pass,
for admission to the venue.
The admission will, however, be subject to verification / checks, as may be deemed necessary.
Under no circumstances, any duplicate attendance slip will be issued at the entrance to the meeting.
Full Name (In Bock Letters)
Fueskeê@efveke meceeMeesOeve mesJee (pecee meceeMeesOeve)

FefkeJeer MesejeW hej ueeYeebMe kes Yegieleeve kes efueS F&meerSme DeefOeosMe
1. eLece MesejOeejke kee veece (mhe De#ejeW ceW)
2. helee :
3. MesejOeejke keer Heesefueees mebKee (Yeewefleke he ces MesejOeejkeeW kes efueS) :

[er. heer. DeeF&[er / eenke DeeF&[er mebKee (Fueskeê@efveke MesejOeejkeeW kes efueS) :
4. yeQke Keeles kee efJeJejCe
ke. yeQke kee veece
Ke. MeeKee kee veece SJeb Menj kee efheve kees[
ie.
Keelee mebKee (pewmee efke eske yegke ceW efoee ieee nw)

Ie. Keelee hekeej (ke=heee efke kejW)
(yeele yeQke Keelee/eeuet Keelee ee vekeo-GOeej Keelee)

[. yeQke Keeles keer uespej Heesefueees mebKee
(eefo eske yegke hej Debefkele efkeee pee jne nes)

e.

:
:
yeQke eje peejer ceeFkej eske ceW cegefle

yeQke Deewj MeeKee keer 9 Debkeere kees[ meb.
yeele yeQke
eeuet
vekeo GOeej
5. ke=heee heneeve kes eceeCe mJehe Deheves hewve kee[& keer mJeeb eje
meleeefhele Heeses eefle leLee kees[ mebKee keer melelee keer peebe kes efueS
Deheves Gheeg&e Keeles mes mebyebefOele, Deehekes yeQke eje peejer eske kes hevves keer
Heeses keeheer / keesje j efkeee ieee eske mebueive kejW
Iees<eCee
ceQ Sleodeje en Ieesef<ele kejlee/leer ntb efke Gheeg&e efJeJejCe mener Je hetCe& nQ. eefo DehetCe& peevekeejer kes keejCeeW mes uesveosve ceW osjer nesleer nw ee en eYeeJeer veneR neslee nw lees
ceQ yeQke Dee@]He ye[ewoe kees efpeccesoej veneR "njeTbiee/ieer.
mLeeve :
efoveebke :
eLece Oeejke kes nmlee#ej
efhheCeer :
1. eefo Mesej Fueskeê@efveke he ceW jKes ieS nQ : ke=heee Heece& hetCe&leee Yej kej Fme hej nmlee#ej kejW leLee Fmes Deeleve kejves nsleg Dehesef#ele omleeJespeeW meefnle Deheves
heefleYeeieer ef[hee@efpejer kees hemlegle kejW.
2. eefo Mesej Yeewefleke he ceW jKes ieS nQ : ke=heee Heece& hetCe&leee Yej kej Fme hej nmlee#ej kejW leLee Fmes Dehesef#ele omleeJespeeW meefnle jefpemêj SJeb êbmeHej SpeW
(DeejerS) DeLee&le cewmeme& keeJeea kebhetjMesej hee. efue., huee@ veb. 17-24, efJeuejeJe veiej, ceeOeehegj, nwojeyeeo- 500 081 DeLeJee yeQke Dee@]He ye[ewoe, efveJesMeke mesJeeSb
efJeYeeie, leermeje leue, ye[ewoe keeheexjs meWj, meer-26 peer yuee@ke, yeebe keguee& keecheueskeme, yeebe (hetJe&), cegbyeF&- 400 051 kes heles hej Yespe oW.
Bank of Baroda
1.
First Shareholders Name (in Block Letters)
2.
Address
Electronic Clearing Service (Credit Clearing)

ECS Mandate for Payment of Dividend on Equity Shares

3. Shareholders Folio number (for holding in physical form)

D. P. ID / Client ID number (for holding in electronic form) :
4.
Particulars of Bank Account
A. Bank Name
B. Branch Name & City Pin Code
C. Account No.
(as appearing on the cheque book)
D. Account Type (please Tick) :
(SB Account / Current A/c. or Cash Credit A/c)
SB
Current
Cash Credit
E. Ledger Folio number of Bank Account
(if appearing on the cheque book)
9 Digit Code No. of the Bank
F.
Branch appearing on the MICR
Cheque issued by the Bank
5.
Please attach a self-attested photocopy of your PANCARD as Proof of Identity alongwith a photocopy of a Cheque leaf /
blank cancelled cheque issued by your Bank relating to your above account for verifying the accuracy of the Code numbers
DECLARATION
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 information, I would not hold Bank of Baroda responsible
Place:
Signature of the First Holder
Note:
1.
If the shares are held in electronic mode: Please complete the form, sign and submit alongwith the required documents
to your Depository Participant for necessary updation.
2. If the shares are held in physical mode: Please complete the form, sign and mail alongwith the required documents at
the address of Registrar and Transfer Agent (RTA), i.e. M/s Karvy Computershare Pvt. Ltd, Plot No. 17-24, Vithalrao Nagar,
Madhapur, Hyderabad - 500 081 OR at Bank of Baroda, Investors Services Dept. 3rd Floor, Baroda Corporate Centre,
C-26, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.
Date:
DeOe#e SJeb eyebOe efveosMeke eer Sme.Sme.cetbo[e, Fefvoje ieebOeer jepeYee<ee Meeru[
eefleeesefielee kee eLece hegjmkeej ceneceefnce je^heefle eer eCeye cegKepeea kes kej keceueeW
mes eehle kejles ngS.
keee&heeueke efveosMeke eer efhe. eerefveJeeme, [e@. meer. jbiejepeve, DeOe#e - eOeeveceb$eer keer
DeeefLe&ke hejeceMe& heefj<eo, veF& efouueer mes SMeesewce meesMeue yeQefkebie SefkemeueWme DeJee[& eehle
kejles ngS.
Shri S. S. Mundra, CMD receives First Prize in Indira Gandhi Rajbhasha

Shield Competition from Hon.President Shri Pranab Mukherjee
Shri P. Srinivas, ED receives ASSOCHAM Social Banking Excellence

Award from Dr. C. Rangarajan, Chairman, Economic Advisory Council to
the Prime Minister, at New Delhi
efJeeere Je<e& 2012-13 kes efueS Yeejle mejkeej kees ueeYeebMe kee Yegieleeve
Payment of dividend to Govt. of India for the Financial Year 2012-13
yeQke kes 106 JeW mLeehevee efoJeme meceejesn kes oewjeve eer Sme.Sme.cetbo[e, DeOe#e SJeb
eyebOe efveosMeke, eer efhe.eerefveJeeme SJeb eer jbpeve OeJeve, keee&heeueke efveosMeke ieCe.
eer Sme.Sme.cetbo[e, DeOe#e SJeb eyebOe efveosMeke, Deve GeeefOekeeefjeeW kes meeLe
ueKeveT ceW jepe mlejere yeQkeme& meefceefle keer yew"ke kees mebyeesefOele kejles ngS.
Shri S. S. Mundra, CMD, Shri P. Srinivas and Shri Ranjan Dhawan,

Executive Directors during the celebration of Banks 106th Foundation
Day
Shri S. S. Mundra, CMD addressing the State Level Bankers Committee

along with other dignitaries at Lucknow

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dm{fH [anmoQ

Annual Report 2013-14

Fast Forward to Finish Line

efveosMeke ceb[ue / Board of Directors

Jeeef<e&ke efjhees& Annual Report

Chief General Managers

efJe. Se. Lees

jepet iegHlee- cegKe meleke&lee DeefOekeejer

GUPTA RAJU - CHIEF VIGILANCE OFFICER

Jeeef<e&ke efjhees& Annual Report

uesKee hejer#eke / Auditors

For Laxminiwas Neeth & Co.

For Ray & Ray

ke=les Sve.yeer.Sme. SC[ keb.

ke=les kesSSmepeer SC[ keb.

ke=les Keb[sueJeeue pewve SC[ keb.

For N. B. S. & Co.

For KASG & Co.

FOR KHANDELWAL JAIN & CO

ke=les Sme kes. efceeue SC[ keb.

Baroda House, Mandvi, Vadodara 390 006.

ye[ewoe keeHeexjs mesvj

C-26, G-Block, Bandra-Kurla Complex, Bandra (E),

efveJesMeke mesJeeSb efJeYeeie

3rd Floor, Baroda Corporate Centre, C-26, G-Block,

jefpem^ej SJeb DevlejCe SpeW

Baroda Corporate Centre

Investor Services Department

Registrars & Transfer Agent

Jeeef<e&ke efjhees& Annual Report

efJe<ee meteer / Contents

efveosMekeeW keer efjhees&

keeheexjs ieJeveXme efjhees&

Report on Corporate Governance

JeJemeee oeefelJe efjhees&

Business Responsibility Report

nefjle Henue - Mesej OeejkeeW mes DeHeerue

Green Initiative-Appeal to Shareholders

yeemesue II efheuej 3 ekeerkejCe

Basel II Pillar 3 disclosures

cenlJehetCe& efJeeere meteke

Key Financial Indicators

Profit & Loss Account

Statement of Cash Flow

uesKee hejer#ekeeW keer efjhees&

mecesefkele efJeeere efJeJejefCeeeb

Consolidated Financial Statements

meer F& Dees / meer SHe Dees eceeCeerkejCe

CEO / CFO Certification

ee@kemeer Heece& / GheefmLeefle heeea / F&meerSme

Proxy Form / Attendance Slip / ECS

Jeeef<e&ke efjhees& Annual Report

keef"ve oewj cesb

DeOe#e SJeb eyevOe efveosMeke

Jeeef<e&ke efjhees& Annual Report

Jeeef<e&ke efjhees& Annual Report

meccesueve Deeeesefpele efkeee Deewj efJeefYevve mLeeveesb Hej SceSmeSceF& jeGb[

Jeeef<e&ke efjhees& Annual Report

met=evee eeweesefiekeer mebjevee

Jeeef<e&ke efjhees& Annual Report

mJeerkeejkelee&, mesuHe meefJe&me Heemeyegke GHeueyOe kejeS. DeeHekes yeQke ves

Jeeef<e&ke efjhees& Annual Report

Hegjmkeej SJeb mecceeve