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kpZo¿Lamb ]mcºcyØneq∂nb hnizmkyXbptSbpw Iq´mb

{]h¿Ø\Ønt‚bpw BthiIcamb {]IS\w tImSn°W°mb


kz]v\߃°v NndIv apf∏n°p∂p. {]K¤amb tkh\hpw
kmt¶XnIhnZybpsS \nc¥camb \hoIcWhpamWv Cu hf¿®bpsS
t{]cIi‡n. CXmWv hf¿®bpsS sshin„yØnt‚bpw ]pXnb
N{Ihmf߃ ]p¬Im≥ _m¶ns\ klmbn°p∂Xv.

B∫… §…“ ]ı“ E‰Ú |…‰Æ˙h……n˘…™…EÚ EÚ…™…« -  x…π{……n˘x…, ∫……l… Ω˛“ ∫……®…⁄ Ω˛EÚ ∫…Ω˛™……‰M… i…l…… BEÚ
±…®§…“ {…Æ˙®{…Æ˙… E‰Ú °Ú±…∫¥…∞¸{… |……{i… +SUÙ… |… i…°Ú±…,  V…∫…∫…‰ ±……J…… ∫…{…x…‰ Ω÷˛B ∫……EÚ…Æ˙*
=iEfiÚπ]ı ∫…‰¥…… B¥…∆ + ¥…Æ˙i… |……Ët…‰ M…EÚ“ + ¶…x…¥… {… Æ˙¥…i…«x…… ∫…‰ {… Æ˙{……‰ π…i…  ¥…EÚ…∫… x…‰
§…ÈEÚ EÚ…‰ ∫…∆¥…fi r˘ B¥…∆ =iEÚπ…« E‰Ú x…B  I… i…V… EÚ…‰ U⁄Ùx…‰ ®…Â ∫…®…l…« §…x……™……*

SBT’s inspiring performance marked by a long tradition of


trust and teamwork has reaped rich dividends, giving wings to
a million dreams. A growth nurtured by outstanding service
and constant technological innovations enabling the Bank to
reach out to new horizons of growth and excellence.
tÉv _m¶v Hm^v {Smh≥Iq¿
(tÉv _m¶v Hm^v C¥y-bpsS Atkm-kn-tb-‰v)
slUv Hm^okv: Xncp-h\
- ¥
- ]
- pcw

t\m´okv
tÉv _m¶v Hm^v {Smh≥Iq¿ Hml-cn-bp-Sa
- I - psS \m¬]-ØnH≥]XmaX-v hm¿jnI s]mXp-tbmKw “knw^Wn”, akv°‰v
- f
tlm´¬, ]nFwPn PwKvj≥, Xncp-h-\-¥-]pcw - 695 033 ¬ 2009 sabv 27-mw XobXn _p[\mgvN sshIpt∂cw
4.00 aWn°v (Ãm-t‚¿Uv ka-bw) Xmsg -]-d-bp∂ Imcy-Øn-\mbn ktΩ-fn-°p-∂p:
“2009 am¿®v 31 \v Ah-km-\n-® Ime-b-f-hnse _m¶ns‚ BkvXn- _m-[yXm ]{Xw, em`-\-jvS-IW-°p-Iƒ, Ub-d-
IvS¿ t_m¿Uns‚ dnt∏m¿´v, BkvXn-_m-[yXm ]{XsØbpw IW-°p-Itfbpw kw_-‘n® HmUn-‰¿am-cpsS dnt∏m¿´v
F∂nh N¿® sNbvXv AwKoIcn°pI.

Xncp- h - \ - ¥ - ] pcw F sI PK∂mY≥


20 G{]n¬, 2009 amt\- P nwKv Ub- d Iv S ¿

∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙


(¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ EÚ… ∫…Ω˛™……‰M…“)
|…v……x… EÚ…™……«±…™…&  i…Ø˚¥…x…xi…{…÷Æ˙®…
∫…⁄S…x……
∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙ E‰Ú ∂…‰™…Æ˙v…… Æ˙™…… EÚ“ =x…S……∫…¥…” ¥……Ãπ…EÚ ∫……®……x™… §…Ë`ˆEÚ “ ∫…®°Úx…“”, ®…∫EÚi…ı Ω˛…]‰ ı±…, {…“B®…V…“ V…∆C∂…x…,  i…Ø˚¥…x…xi…{…÷Æ˙®…-
695 033 ®… §…÷v…¥……Æ˙,  n˘x……∆EÚ 27 ®…<« 2009 EÚ…‰ ∫……™…∆ 4.00 §…V…‰ (®……x…EÚ ∫…®…™…)  x…®x… ±… J…i… EÚ…™…« Ω‰˛i…÷ ∫…∆{…z… Ω˛…M‰ …“:
“31 ®……S…« 2009 EÚ…‰ ∫…®……{i… +¥… v… E‰Ú  ±…B  x…n‰˘∂…EÚ §……‰b˜« EÚ“  Æ˙{……‰]ı«, §…ÈEÚ EÚ… i…÷±…x… {…j… B¥…∆ ±……¶…-Ω˛… x… J……i…… +…ËÆ˙ §…ÈEÚ E‰Ú i…÷±…x… {…j… B¥…∆
±…‰J……Â {…Æ˙ ±…‰J…… {…Æ˙“I…EÚ…Â EÚ“  Æ˙{……‰]ı« {…Æ˙  ¥…S……Æ˙  ¥…®…∂…« EÚÆ˙E‰ ∫¥…“EÚ…Æ˙ EÚÆ˙x……''
 i…Ø˚¥…x…xi…{…÷Æ˙®… B E‰Ú V…M…z……l…x…
20 +|…˱…, 2009 |…§…xv…  x…n‰˘∂…EÚ

STATE BANK OF TRAVANCORE


(Associate of the State Bank of India)
HEAD OFFICE: THIRUVANANTHAPURAM

NOTICE
The Fortyninth Annual General Meeting of the Shareholders of the State Bank of Travancore
will be held at “Symphony”, Mascot Hotel, P.M.G. Junction, Thiruvananthapuram - 695 033 on
Wednesday, the 27th May 2009 at 4.00 p.m. (Standard Time) to transact the following business:
“To discuss and adopt the Balance Sheet and Profit & Loss Account of the Bank made upto the
31 st March 2009, the report of the Board of Directors and Auditors’ Report on the Balance
Sheet and Accounts.”

Thiruvananthapuram A K Jagannathan
th
20 April, 2009 Managing Director
D≈-S°w
2. HmlcnbpS-aI - ƒ°p≈ t\m´okv 126. ]n-∂n´ aq∂v h¿j-߃...
4. Ub-dI - vS¿ t_m¿Uv 127. A\p_‘w ˛ I
6. Ub-dI - vS¿ t_m¿Uns‚ dnt∏m¿´v tIm¿∏td‰v `c-Wa - q-ey-ßs
- f-°p-dn-®p≈ dnt∏m¿´pw
42. _me≥kv jo‰v HmUn-‰¿am-cpsS k¿´n-^n-°‰pw
44. em`-\-jvS-IW°v 127. A\p_‘w ˛ II
46. A°u-≠p-If - psS sjUyqfpIƒ t_k¬ II ]n√¿ III A\pkcn®p≈ shfns∏SpØepIƒ
121. HmUn-‰¿am-cpsS dnt∏m¿´v 145. Zim-_vZ-ß-fn-eq-sS-bp≈ bm{X-...
125. am-t\-Pvsa‚ v IΩn‰n

 ¥…π…™…-∫…⁄S…“
2. ∂…‰™…Æ˙v…… Æ˙™…… EÚ…‰ ∫…⁄S…x…… 125. |…§…∆v…x… ∫… ®… i…
4.  x…n‰˘∂…EÚ §……‰b˜« 126.  {…UÙ±…‰ i…“x… ¥…π…«...
6.  x…n‰˘∂…EÚ §……‰b˜« EÚ“  Æ˙{……‰]ı« 127. +x…÷±…Mx…EÚ - I
42. i…÷±…x…-{…j… EÚ…ÏÆ˙{……‰Æ˙‰]ı  x…™…∆j…h… {…Æ˙  Æ˙{……‰]ı« +…ËÆ˙ ±…‰J…… {…Æ˙“I…EÚ…Â EÚ… |…®……h… {…j…
44. ±……¶…-Ω˛… x… ±…‰J…… 127. +x…÷±…Mx…EÚ - II
46. ±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ §…‰∫…±… II EÚ…  {…±…Æ˙ III E‰Ú +xi…M…«i…˙ |…EÚ]ı“EÚÆ˙h…
123. ±…‰J…… {…Æ˙“I…EÚ…Â EÚ“  Æ˙{……‰]ı« 145. n˘∂…EÚ…Â ®… ∫…¢ÚÆ˙....

CONTENTS
2. Notice to Shareholders 125. Management Committee
4. Board of Directors 126. The last three years...
6. Report of the Board of Directors A 1-1. Annexure - I
42. Balance Sheet Report on Corporate Governance and Auditors’ Certificate
44. Profit and Loss Account A II-1. Annexure - II
46. Schedules to Accounts Disclosures under Pillar III of Basel II
124. Auditors’ Report 145. Journey through the decades...
4

Ub-d-IvS¿ t_m¿Uv
 x…n‰˘∂…EÚ §……‰b˜«
BOARD OF DIRECT
BOARD ORS
DIRECTORS

1959-˛s - e Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


{io H ]n `´v (1) JfinI (a) A\p-kc - n®v sNb¿am≥
sNb¿am≥ ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (B)
∏…“ +…‰ {…“ ¶…]¬]ı
+v™…I… E‰Ú +xi…M…«i… +v™…I…
Shri O P Bhatt Chairman under Clause (a) of sub-section (1) of Section 25 of the State Bank of India
Chairman (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (b) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (§…“)
{io sI kn E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
_tµm]m≤ymbv Director under Clause (b) of sub-section (1) of Section 25 of the State Bank of India
∏…“ E‰Ú ∫…“ §…xn˘…{‰ ……v™……™… (Subsidiary Banks) Act, 1959
Shri K C Bandyopadhyay

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (c) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (∫…“)
tUm. {io\mKn _n dmhp E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
b˜….Ï ∏…“x……M…“ §…“ Æ˙…¥… Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India
Dr. Srinagi B Rao (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (c) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v…˘ x…™…®… 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…hb˜ (∫…“)
{io Pn_≥ tKmkzman E‰Ú +∆i…M…«i…  x…n‰˘∂…EÚ
∏…“ V…“§…x… M……‰∫¥……®…“ Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India
Shri Jiban Goswami (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (c) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®… 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…hb˜ (∫…“)
{io Fkv F XnΩø E‰Ú +∆i…M…«i…  x…n‰˘∂…EÚ
∏…“ B∫… B  l…®…Ë™™…… Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India
Shri S A Thimmiah (Subsidiary Banks) Act, 1959
5

Ub-d-IvS¿ t_m¿Uv
 x…n‰˘∂…EÚ §……‰b˜«
BOARD OF DIRECT
BOARD ORS
DIRECTORS

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (ca) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) J…∆b˜ (∫…“B)
{io kn Sn tImin E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
∏…“ ∫…“ ]ı“ EÚ…‰∂…“ Director under Clause (ca) of sub-section (1) of Section 25 of the State Bank of India
Shri C T Koshy (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (cb) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (∫…“
{io ]n hn inhi¶c ]n≈ §…“) E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
∏…“ {…“ ¥…“  ∂…¥…∂…∆EÚÆ˙  {…±±…Ë Director under Clause (cb) of sub-section (1) of Section 25 of the State Bank of
Shri P V Sivasankara Pillai India (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (d) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (b˜“)
{io sI XmWp ]n≈ E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
∏…“ E‰Ú i……h…÷  {…±±…Ë Director under Clause (d) of sub-section (1) of Section 25 of the State Bank of
Shri K Thanu Pillai India (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (d) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (b˜“)
{io F tkXpam[h≥ E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
∏…“ B ∫…‰i…÷®……v…¥…x… Director under Clause (d) of sub-section (1) of Section 25 of the State Bank of
Shri A Sethumadhavan India (Subsidiary Banks) Act, 1959

1959-˛se Fkv._ - n.sF (D]mwK _m¶pIƒ) \nbaw hIp∏v 25 D]hIp∏v


(1) JfinI (e) A\p-kc - n®v Ub-dI - vS¿
¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…∆b˜ (<«)
{io F tXmakv E‰Ú +xi…M…«i…  x…n‰˘∂…EÚ
∏…“ B i……‰®…∫… Director under Clause (e) of sub-section (1) of Section 25 of the State Bank of
Shri A Thomas India (Subsidiary Banks) Act, 1959
6

1959˛se tÉv _m¶v Hm^v C¥y ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) Report of the Board of Directors
(D]mwK _m¶p-Iƒ) \nbaw to the State Bank of India, the
+ v… x…™…®… 1959 EÚ“ v……Æ˙… 43(1)
43 (1) hIp∏v A\pkcn®v tÉv Reserve Bank of India and the
_m¶v Hm^v C¥ybv°pw E‰Ú +xi…M…«i… ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ, Central Government in terms of
dnk¿∆v _m¶v Hm^v C¥ybv°pw
¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ B¥…∆ E‰Úxp˘ ∫…Æ˙EÚ…Æ˙ Section 43 (1) of State Bank of
tI{µ Khs◊‚n\pw ka¿∏n°p∂
UbdIvS¿ t_m¿Uns‚ dnt∏m¿´v EÚ…‰  x…n‰˘∂…EÚ §……‰b˜« EÚ“  Æ˙{……‰]ı« India (Subsidiary Banks) Act, 1959
dnt∏m¿´v Imebfhv 2008 G{]n¬  Æ˙{……‰]ı« +¥… v… Period covered by the Report:
1 apX¬ 2009 am¿®v 31 hsc 1 +|…˱… 2008 ∫…‰ 31 ®……S…« 2009 1st April 2008 to 31st March 2009

1. amt\Pvsa‚ v N¿®-Ifpw 1. |…§…∆v…x… S…S……« B¥…∆  ¥…∂±…‰π…h… 1. MANAGEMENT DISCUSSIONS


hni-I-e-\hpw & ANALYSIS
1.1 BtKmf kº-Zvhy-hÿ 1.1  ¥…∑… +l…«-¥™…¥…∫l……
1.1 World Economy
Ata-cn-°≥ kmº-ØnI {]Xn-k‘ - n-bpsS  ¥…∑… +l…«-¥™…¥…∫l…… E‰Ú  ±…B +®…Æ˙“EÚ“ ={… +…t ∫…∆EÚ]ı
^e-am-bn, BtKmf kº-Zvhy-hÿ i‡- The world economy faced a challenging
amb sh√p-hnfn t\cn´ h¿j-amWv 2008-˛09. u˘…Æ˙… =i{…z… ¥…Ë ∑…EÚ +…Ãl…EÚ =l…±…-{…÷l…±… E‰Ú S…±…i…‰ ¥…π…«
year in 2008-09 in the wake of the global
60 h¿j-Øn-em-Zy-ambn BtKm-f-X-e-Øn- 2008-09 S…÷x……Ë i… {…⁄h…« ¥…π…« Æ˙Ω˛…* +xi…Æ˙…π« ]≈ı“™… ®…÷p˘…
ep≈ hf¿®-bpsS tXmXv 0.50 apX¬ 1 iX- economic turmoil triggered by the US sub-
am-\w-hs - c-bmbn Npcp-ßp-sa-∂mWv A¥m-cm- EÚ…‰π… (+…<« B®… B°Ú) x…‰ +x…÷®……x… ±…M……™……  EÚ ¥…Ë ∑…EÚ prime crisis. IMF has estimated that the
jv{S-\m-Wb - \- n[n (IMF) IW-°m-°n-bn-´p-≈- ¥…fi r˘ ®… ∫…∆EÚ÷ S…x… 0.5 ∫…‰ 1 |… i…∂…i… E‰Ú §…“S… Æ˙Ω˛‰M…… V……‰ global economy may shrink by 0.5 to 1 per
Xv. hnI-knX kº-Zvhy-h-ÿ-I-sf-sb√mw
amµyw _m[n-°p-Ibpw AXp hym]-Ia - m-hp-  EÚ 60 ¥…π……Á ®… {…Ω˛±…… ¥…Ë ∑…EÚ ∫…∆EÚ÷ S…x… Ω˛…M‰ ……* ∫…¶…“ cent, the first global contraction in 60 years.
Ibpw sNbvX-tXm-sS, kmº-ØnI taJ- |…M… i…∂…“±… +l…«-¥™…¥…∫l……+… ®…‰∆ {…⁄Æ˙“ i…Æ˙Ω˛ ®…xn˘“ UÙ… V……x…‰ With all the advanced economies having
ebv°p ]pdta ÿmhc hkvXp-°f - psS taJ- firmly gone into recession, the contagion
ebpw AXns‚ \ocm- f n- ∏ n- S n- Ø - Ø n¬ E‰Ú EÚ…Æ˙h…,  ¥…k…“™… I…‰j… ∫…‰ ¥……∫i… ¥…EÚ I…‰j… i…EÚ ∫…∆EÚ]ı
Aa¿∂p- I - g n- ™ p. BtKm- f - X - e - Ø n¬ of the crisis from the financial sector to the
EÚ“ V……‰ U⁄Ùi… ±…M…“, ¥……‰ +I…®™… ¥… {…⁄h…« l…“* ¥…Ë ∑…EÚ ®……ƒM…
Bhiy°m¿ Ipd-™p, D¬∏m-Z-\-Ønepw real sector has been unforgiving and total.
Ipd- h p- ≠ m- b n, sXmgn- ¬ \jv S w ®…  M…Æ˙…¥…]ı +… M…<«, =i{……n˘x… EÚ®… Ω˛…i‰ …… V…… Æ˙Ω˛… Ω˲,
Global demand has slumped, production
h¿≤n°p∂p, hmbv]m-It- ºm-fß - ƒ {]£p- x……ËEÚÆ˙“ U⁄Ù]ıx…‰ EÚ“ ∫…∆J™…… §…g¯i…“ V…… Æ˙Ω˛“ Ω˲ +…ËÆ˙ @Òh…
_v[a - m-Ip-∂p. BtKmf hmWn-Py-cwKw 2009- is falling, job losses are rising and credit
˛¬ 2.8 iX-am\w I≠p kt¶m-Nn-°m≥ §……W……Æ˙ ®… J…±…§…±…“ EÚ“ Œ∫l… i… §…Æ˙EÚÆ˙…Æ˙ Ω˲* +i™…xi… markets remain in convulsion. Most
km[yX- b ps- ≠ - ∂ Xv Atß- b ‰w D¬°-  S…xi……V…x…EÚ  ¥…π…™… ™…Ω˛ Ω˲  EÚ ¥…π…« 2009 ®…  ¥…∑… worryingly, world trade is projected to
WvTm-Ip-ea - mb Hcp hkvXp-Xb - m-Wv. Ign-™
80 h¿j-ßf - nse G‰hpw {ZpX-KX - n-bn-ep≈ ¥™……{……Æ˙ ®… 2.8% ∫…∆EÚ÷ S…x… Ω˛…x‰ …… |…I…‰ {…i…  EÚ™…… M…™…… Ω˲, contract by 2.8 per cent in 2009, the fastest
kt¶m-Na - m-Wn-Xv. Cu {]Xn-k‘n BtKm-fm- V……‰  EÚ M…i… 80 ¥…π……Á ®…Â ∫…§…∫…‰ i…‰W… Ω˛…x‰ …‰ ¥……±…… +¥…®…⁄±™…x… pace of shrinkage in the last 80 years. The
Sn-ÿm-\Ø - n¬ kmº-Øn-I\ - b- Ø- n\v sh√p- crisis has posed challenges on monetary
hnfn Db¿Øp-∂p. temI-sam-´p-°p-ap≈ Ω˲* <∫… ∫…∆EÚ]ı x…‰ {…⁄Æ˙‰  ¥…∑… ®… ®……Ë p˘EÚ x…“ i… E‰Ú  ±…B
Kh¨sa‚p- I fpw tI{µ _m¶p- I fpw policy worldwide. Governments and
S…÷x……Ë i…™……ƒ J…c˜“ EÚÆ˙ n˘“* ∫…¶…“ n‰˘∂…… ®… ∫…Æ˙EÚ…Æ˙… +…ËÆ˙
i‡hpw kml-kn-Ih - p-w ]Xnhn¬ \n∂pw central banks across countries have
hyXykv X ambXpamb \S- ] - S n- I ƒ E‰Úxp˘“™… §…ÈEÚ…Â x…‰ §…c‰˜, +…GÚ…®…EÚ B¥…∆ Ø˚ g¯®…÷HÚ ={……™…… E‰Ú responded to the crisis through large,
BhnjvIcn®p sIm≠mWv Cu {]Xn-k- ®……v™…®… ∫…‰ ∫…∆EÚ]ı EÚ… ∫……®…x……  EÚ™……* aggressive and unconventional measures.
‘ntbmSv {]XnIcn°p∂Xv.
1.2 tZiob kº-Zvhy-hÿ 1.2 Æ˙…π]≈ı“™… +l…«¥™…¥…∫l…… 1.2 National Economy
ap≥h¿j-ß-fn¬ ÿn-c-amb hf¿® tcJ- After recording strident growth in the
s∏-Sp-Ønb B`y-¥c kmº-ØnI taJ-
n‰˘∂…“ +l…«¥™…¥…∫l…… M…i… ¥…π……Á ®… i…“Ih… ¥…fi r˘ n˘V…« EÚÆ˙x…‰ E‰Ú
ebv°v BtKmf kmº-Øn-I-{]-Xn-k-‘n- §……n˘ ¶…“ ¥…Ë ∑…EÚ +…Ãl…EÚ ∫…∆EÚ]ı E‰Ú S…±…i…‰ ®…xn˘“ EÚ…‰ ]ı…±… previous years the domestic economy
bpsS ]›m-Øe - Ø- n¬ Hcp amµyw Hgn-hm- could not avoid a slowdown in the wake
°m≥ Ign-™n-√. 2007-˛08-˛¬ 9 iX-am\w
x…Ω˛” {……<«* ∫…EÚ±… P…Ɖ˙±…⁄ =i{……n˘ ®… ¥…π…« 2007-08 ®… 9
of the global economic crisis. The growth
hf¿®-t\-Snb Pn.-Un.-]n. 2008-˛09-˛¬ 6 apX¬ |… i…∂…i… EÚ“ ¥…fi r˘ n˘Æ˙ EÚ“ i…÷±…x…… ®… ¥…π…« 2008-09 E‰Ú
7 hsc iX-am\w hf¿® ssIh-cn-°ps-a- in GDP during 2008-09 is estimated at
∂mWp IW- ° m- ° - s ∏- S p- ∂ - X v . Ign™ n˘…ÆË ˙…x… 6 ∫…‰ 7 |… i…∂…i… ¥…fi r˘ Ω˛…x‰ …‰ EÚ… +x…÷®……x… Ω˲* ∫…‰¥…… around 6 to 7 per cent as compared to
A©p-h¿j-ß-fn¬ \ΩpsS hf¿®-bpsS I…‰j…, V……‰  EÚ M…i… {……ƒS… ¥…π……Á ∫…‰ Ω˛®……Æ˙“ ¥…fi r˘ EÚ… |…®…÷J… the growth rate of 9 per cent in 2007-08.
7

apJy-t{km-X  - m-bn-cp∂ tkh-\t- a-Je - I- fn¬ ∫……v…x… Æ˙Ω˛… Ω˲, +§… =∫…®… ®…xn˘“ +… Æ˙Ω˛“ Ω˲  ¥…∂…‰π…EÚÆ˙ The services sector, which has been our
{]tXyIn®v \n¿Ω-mWw, KXm-KX - w, hm¿Øm- prime growth engine for the last five years,
hn-\n-ab
- w, hmWn-Pyw, tlm´¬, sdtÃm-d‚ v  x…®……«h…, {… Æ˙¥…Ω˛x… B¥…∆ ∫…∆S……Æ˙, ¥™……{……Æ˙, Ω˛…]‰ ı±… B¥…∆ Ɖ˙∫]ı…Ɖ ˙‰h]ı˜
is slowing, mainly in construction, transport
F∂o D]hn`mKßfn¬, amµyw A\p-`h - s - ∏- ={…-I…‰j…… ®…Â* ∫……i… ¥…π……Á ®… {…Ω˛±…“§……Æ˙,  x…™……«i… ®… ∫…Ω˛“
Sp-∂p. Ggp h¿j-ßf - n¬ BZy-ambn Ib-‰p- and communication, trade, hotel and
aXn kv ] jv S - a mbpw Ipd- ™ p. Bhiy ®……x…‰ ®…  M…Æ˙…¥…]ı +…<« Ω˲* +¥…®…Œxn˘i… ®……ƒM… x…‰ EÚ…{……ÊÆ˙‰]ı restaurant sub-sectors. For the first time in
°mcpsS XWpØ {]XnIcWw Iº-\n-I- ®……ÃV…x… EÚ…‰ |…¶…… ¥…i…  EÚ™…… V…§… EÚ ∫…∆EÚ]ı EÚ“ + x…Œ∂S…i…i…… seven years, exports have declined in
fpsS em`-Øn¬ Ipd-hp-hc - p-Øn. {]Xn-k‘ - n- absolute terms. Dampened demand has
bp-ambn _‘-s∏´ A\n-›n-XXzw hym]m-c- EÚ“ Œ∫l… i… x…‰ EÚ…Æ˙…§‰ ……Æ˙ +…∑…∫i…i…… EÚ…‰ |…¶…… ¥…i…  EÚ™……*
dented corporate margins while the
Øns‚ Bflhnizm-kw Ipdbphm\nSbmbn. i…l…… {…, n‰˘∂…“ ®…÷p˘…∫°Ú“ i… ®…v™… ¥…π…« E‰Ú n˘…ÆË ˙…x… 13% EÚ“ uncertainty surrounding the crisis has
C{Xsbms°bmbn´pw B`y-¥c - a
- mb \mWy-
s∏-cp∏w B≠ns‚ a[y-Øn¬ 13 iX-am\w >ƒS……<« EÚ…‰ U⁄Ùx…‰ E‰Ú §……n˘ ¥…π…« E‰Ú +xi… i…EÚ 1% ∫…‰ EÚ®… affected business confidence. However the
hsc Db¿∂n´v h¿jm-hk - m\w 1 iX-am-\- Ω˛…‰ M…<«* domestic inflation, after hitting a high of 13%
Øn¬ Xmsgbmbn Ipd-™p. mid-year, has come down below 1% by
BLm-Xß - ƒ Kpcp-Xc - hpw At\-Ih - p-am-bn- |… i…E⁄Ú±… +…P……i…… EÚ“ i…“µ…i…… B¥…∆ §…Ω÷˛±…i…… E‰Ú §……¥…V…⁄n˘, year-end.
cp-∂n-´pw, C¥y-bnse kmº-Øn-I- I-tºmfw ¶……Æ˙i… E‰Ú  ¥…k…“™… §……W……Æ˙…Â x…‰ |…∂…∆∫…x…“™… ∫…®…÷il……x…-∂… HÚ Notwithstanding the severity and
A¤p-XI - c- a
- mb {]Xym-KXn {]I-Sa - m-°p-Ib - p-
≠m-bn. C¥ysb klm-bn® hn\ym-k-]-c- n˘∂……«<*« <∫…®… +…ËÆ˙ +x™… ∫…∆Æ˙S…x……i®…EÚ EÚ…Æ˙EÚ ¶…“ ∂…… ®…±… multiplicity of the adverse shocks, India’s
amb a‰p LS-I-ß-fp-ap-≠m-bn-cp-∂p. 2008 Ω˲  V…∫…∫…‰ ¶……Æ˙i… EÚ…‰ ®…n˘n˘  ®…±…“* E‰Úxp˘ ∫…Æ˙EÚ…Æ˙ x…‰ financial markets have shown admirable
Unkw-_-dnepw 2009 P\p-h-cn-bnepw 2009 resilience. There are also other structural
am¿®nepw tI{µ K-h¨sa‚ v DtØ-PI - ] - -  n˘∫…®§…Æ˙ 2008, V…x…¥…Æ˙“ 2009 B¥…∆ ®……S…« 2009 ®… factors that have come to India’s aid. The
≤-Xn-Iƒ {]Jym-]n-®p. samØw Pn.-Un.-]n.- Æ˙…V…EÚ…‰π…“™… |……‰i∫……Ω˛x… {…ËEÚ‰ V… |…¥…Ãi…i…  EÚB* <x… ={……™……Â central government has launched fiscal
bpsS 3 iX-am-\-tØmfw hcp∂ \S-]-Sn-
IfmWv Cu ]≤XnIfnep≈Xv. s]mXp sNe- ®… V……‰ E÷Ú±…  ®…±……EÚÆ˙ ∫…EÚ±… P…Ɖ˙±…⁄ =i{……n˘ EÚ… 3 |… i…∂…i… stimulus packages in December 2008,
hp-Iƒ h¿[n-∏n-°p-∂X - pw, ASn-ÿm-\k - u- January 2009 and March 2009. These
Ω∆˛Ë, + i… Æ˙HÚ ∫……¥…«V… x…EÚ ¥™…™…, ®…⁄±…¶…⁄i… +…¥…∂™…EÚ i…i¥…
I-cy-߃°p-th≠n Kh¨sa‚ v Kmc‚n- measures, together amounting to about 3
bp≈ ^≠p-Iƒ \¬Ip∂Xpw ]tcm-£\ - n- ¥™…™… Ω‰˛i…÷ ∫…Æ˙EÚ…Æ˙“ M……Æ∆˙]ı“EfiÚi…  x… v…™……ƒ, +|…i™…I… EÚÆ˙… ®… per cent of GDP, included additional public
Ip- X n- I ƒ sh´n- ° p- d - b v°p- ∂ Xpw, EÚ]ı…iË …“, ∫…⁄I®… B¥…∆ ±…P…÷ =t®…… EÚ…‰ @Òh… Ω‰˛i…÷  ¥…∫i…… Æ˙i… spending, government guaranteed funds for
ssat{Imbpw sNdp-In-S-bp-amb hyh-kmb
M……Æ∆˙]ı“ Æ˙I…… B¥…∆  x…™……«i…EÚ…Â EÚ…‰ + i… Æ˙HÚ ∫…Ω˛…™…i…… ∂…… ®…±… infrastructure spending, cuts in indirect
kwcw-`ß - ƒ°p≈ hmbv]I - ƒ°p Kmc‚n
\¬Ip-∂X - pw, Ib-‰p-aX - n-°m¿°p IqSp-X¬ taxes, expanded guarantee cover for credit
Ω˲* |……‰i∫……Ω˛x… {…ËEÚ‰ V…… EÚ…‰ O……®…“h…  x…v…«x…… E‰Ú  ±…B {…Ω˛±…‰
klmbw \¬Ip-∂Xpw Chbn¬ Dƒs∏-Spw. to micro and small enterprises, and
{Kma-ß-fnse Zcn-{Z¿°p IqSp-X¬ hn]p-e- ∫…‰ Ω˛“ P……‰ π…i…  ¥…∫i…… Æ˙i… ∫…÷Æ˙I…… EÚ¥…S…,  EÚ∫……x… @Òh… additional support to exporters. These
amb kpc-£n-XXzw Dd∏p \¬Ip-∂Xpw stimulus packages came on top of an
®……°Ú“ {…ËEÚ‰ V… i…l…… ∫…Æ˙EÚ…Æ˙“ ∫]ı…°Ú Ω‰˛i…÷ ¥…‰i…x… ®… ¥…fi r˘ <x…
Im¿jnI hmbv]Iƒ Fgp-Xn-Ø≈ - p-∂X - pw,
already announced expanded safety net for
Kh¨sa‚ v Poh-\-°m¿°v iº-f-h¿≤\ ∫…§… ∫…‰ >{…Æ˙ Æ˙J…… M…™…… Ω˲* ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙…
A\p-h-Zn-°p-∂Xpw kw_-‘n®v t\ctØ rural poor, a farm loan waiver package and
]pd-s∏-Sp-hn® {]Jym-]-\-߃°p ]pd-ta-
|……Æ˙®¶…  EÚB M…B ={……™…… x…‰ ™…Ω˛ ∫…÷ x…Œ∂S…i…  EÚ™……  EÚ salary increases for government staff. The
bmWv Cu DtØ-PI ]mt°-Pp-Iƒ. dnk¿hv ¶……Æ˙i…“™…  ¥…k…“™… §……W……Æ˙ ¥™…¥…Œ∫l…i… ∞¸{… ∫…‰ EÚ…™…« EÚÆ˙x…… measures put in place by RBI have ensured
_m¶v {]mh¿Øn-Ia - m-°nb Cu \S-]S- n-Iƒ that the Indian financial markets continue
C¥y≥ kmº- Ø nI Itºm- f - Ø n\v
V……Æ˙“ Æ˙J…ÂM…‰*
to function in an orderly manner.
A\pkrXamb A®S°tØmSp IqSnb
1.3 E‰ÚÆ˙±… +l…«¥™…¥…∫l……
{]h¿Ø\w Dd-∏m-°n. 1.3 Kerala Economy
1.3 tIc-f-Øns‚ kmº-Øn-I-cwKw E‰ÚÆ˙±… EÚ“ +l…«¥™…¥…∫l…… EÚ…, §…ÈEÚ E‰Ú {… Æ˙S……±…x… EÚ…
The economy of Kerala, being the core area
_m¶ns‚ apJy-{]-h¿Ø-\t- a-Je - b
- mb tIc- |…®…÷J… I…‰j… Ω˛…x‰ …‰ E‰Ú EÚ…Æ˙h…, §…ÈEÚ E‰Ú {… Æ˙S……±…x… {…Æ˙
f- Ø nse kmº- Ø n- I - c wKw _m¶ns‚ of the Bank’s operations, has a significant
{]h¿Ø-\ß - sf i‡n-bmbn kzm[o-\n-°p- =±±…‰J…x…“™… |…¶……¥… Æ˙Ω˛… Ω˲* E‰ÚÆ˙±… EÚ“ Z……‰±…“ ®… EÚ<« bearing on the Bank’s operations. Kerala
∂p. ]®∏v sIm≠v kar≤amb `q{]-IrXn, +x…÷EÚ⁄ ±…i…®… {… Æ˙Œ∫l… i…™……ƒ Ω∆˛Ë V…Ë∫…‰ +x…xi… Ω˛ Æ˙i… ¥…x…∫{… i… enjoys many advantages like rich green
at\m-lc - a
- mb Imb-ep-Iƒ, am\-hh - n-`h
- t- i-
B¥…∆ ∫…÷xn˘Æ˙ §…ËEÚ¥……]ı∫…«, ®……x…¥…  ¥…EÚ…∫… ∫…⁄S…EÚ ¥… V…“¥…x… landscape and beautiful backwaters, Best
jn F∂nh Cu \mSns‚ {]tXyIXbmWv.
Pohn-X\- n-eh - m-ck
- qNn-Ib- nep≈ {]Y-aÿ - m- state in Human Development Index and
∫i…Æ˙ ®… =iEfiÚπ]ı Æ˙…V™…, 100% ∫……I…Æ˙ B¥…∆  ¥…k…“™… ∞¸{…
\w, 100% km£- c - X , kmºØnI Standard of living, First state to be declared
Dƒs∏Spج, Btcm-Ky-kw-c£ - W - Ø- nepw ∫…‰ +xi…Ã¥…π]ı Æ˙…V™… E‰Ú ∞¸{… ®… P……‰ π…i… |…l…®… Æ˙…V™… as 100% literate and financially included,
kv{Xo˛-]p-cpj A\p-]m-XØ - nepw enwK-ka - - ∫¥……∫l™… n‰˘J…¶……±… ∫j…“-{…÷Ø˚π… +x…÷{……i…, À±…M…¶…‰n˘ ∫…®……x…i……,
Xz-Ønepw Akq-bm-hl - a- mb t\´w, i‡- Best in Health care, sex ratio, gender
amb am[y-a-߃, kPo-h-amb {Kma-˛-\-K-c- ∂… HÚ∂……±…“ ®…“ b˜™……* ∫…V…M… O……®…“h… B¥…∆ ∂…Ω˛Æ˙“ §……W……Æ˙ equality, powerful media, vibrant rural and
8

I- t ºm- f - ß ƒ apX- e m- b h tIc- f - Ø nse +… n˘ / + x…¥……∫…“ E‰ÚÆ˙±…¥…… ∫…™…… ∫…‰  ¥…|…‰π…h… Æ˙…V™… P…Ɖ˙±…⁄ urban markets etc. The remittances from
A\p-Iq-e-L-S-I-ß-fmWv. {]hmkn tIc-fo- NRKs are estimated to contribute over 20%
b-cpsS \nt£-]-߃ kwÿm-\-Øns‚
=i{……n˘ EÚ… 20% ∫…‰ + v…EÚ ™……‰M…n˘…x… Ω˛…x‰ …‰ EÚ… +x…÷®……x…
Ω˲* +i…& ¥…Ë ∑…EÚ +…Ãl…EÚ ∫…∆EÚ]ı EÚ… Æ˙…V™… {…Æ˙ |… i…E⁄Ú±… of the State Domestic Product. Hence the
samØw B`y-¥c D-ev]m-Z\ - Ø
- ns‚ 20 iX-
am-\Ø - n-e[ - nIw hcp-sa-∂mWv IW-°m-°s - ∏- global economic crisis is expected to have
|…¶……¥… {…c˜x…‰ EÚ… +x…÷®……x… Ω˲, ™…t {… E÷ÚUÙ n‰˘Æ˙“ ∫…‰ ∫…xn˘… x…i…
´n-´p-≈X- v. AXp-sIm-≠v, hcpw Imeßfn¬ an adverse impact on the state, albeit with
sshIn-bm-sW-¶n-epw, BtKm-f-km-º-ØnI |…®…÷J… ®…⁄±…¶…⁄i… ∫…÷ ¥…v…… {… Æ˙™……‰V…x……+… V…Ë∫…‰ ¥…±±……Æ˙{……n˘ı®… a lag. The major infrastructure projects on
{]Xn-k‘n kwÿm-\sØ {]Xn-Iq-ea - mbn E∆Ú]‰ıx…Æ˙ ]ıî…x…±…, S…Æ˙h… II B¥…∆ III  ¥…∫i……Æ˙ ]‰ıCx……‰  ∫… ]ı, the anvil like Vallarpadam Container
_m[n-t®-°mw. \n¿h-l-W-Øn-en-cn-°p∂
h√m¿]mSw Is≠-bv\¿ sS¿an-\¬, sSIvt\m-  j…∂∂…⁄Æ˙ ®… Ω˛…<«-]‰ıEÚ  ∫… ]ı,  ¥… π…xV…®… Ω˛…§…«Æ˙, ∫®……]«ı  ∫… ]ı Terminal, Technopark – Phase II & III
kn‰n Dƒs∏sS sSIvt\m-]m¿°v II, III L´-ß- {… Æ˙™……‰V…x…… B¥…∆ EÚ…‰SS…“ ®… B±… Bx… V…“ ]ıî…x…±… ∫…‰ E‰ÚÆ˙±… expansions including Technocity, Hi-tech
fpsS hnI-k-\w, Xriq¿ sslsSIv kn‰n,
EÚ“ +…Ãl…EÚ ¥…fi r˘ EÚ…‰ §…g¯…¥……  ®…±…x…‰ EÚ… +x…÷®……x… Ω˲* City in Thrissur, Vizhinjam harbour,
hngn™w Xpd-ap-Jw, kvam¿´v kn‰n ]≤-
SmartCity project and LNG terminal at
Xn, sIm®nbnse - F ¬.- F ≥.Pn. sS¿an-
1.4 §…ÈÀEÚM… ¥……i……¥…Æ˙h… Kochi are expected to give a fillip to Kerala’s
\¬, F∂o apJy C≥{^m-kv{S-IvN¿ ]≤-
Xn-Iƒ tIc-f-Øns‚ kmº-ØnI economic growth.
®……Ë p˘EÚ x…“ i… EÚ… +¥…Œ∫l… i…
hf¿®bv°v B°w Iq´p-sa-∂mWp {]Xo-
£n-°-s∏-Sp-∂-Xv. +|…˱… 08 ®… ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… ¥…π…« 2008-09 1.4 Banking Environment
1.4. _m¶nwKv ]cn-ÿnXn Stance of Monetary Policy
E‰Ú  ±…B P……‰ π…i… ®……Ë p˘EÚ x…“ i… ∫…∆§…∆v…“ ¥……Ãπ…EÚ  ¥…¥…Æ˙h… ®…Â
kmº-ØnI \b-Øns‚ \ne The overall stance of the monetary policy
 x… Ω˛i… ®……Ë p˘EÚ x…“ i… i…l…… =∫…E‰Ú =k…Æ˙¥…i…‘  i…®……Ω˛“
dnk¿hv _m¶v Hm^v C¥y G{]n¬ 08˛¬ articulated in the Annual Statement on
∫…®…“I……+… ®… P……‰ π…i… ®……Ë p˘EÚ x…“ i… E‰Ú ∫…®…O… +¥…Œ∫l… i…
{]Jym-]n® 2008-˛09-˛se kmº-Øn-I-\bw Monetary Policy for the Year 2008-09
kw_- ‘ n® hm¿jn- I - t c- J - b nepw ®…  x…®x… ∫…Œ®®… ±…i… Ω˲* announced by the Reserve Bank of India in
XpS¿∂p≈ ]mZ-h¿j Ah-tem-I\ - ß- f - nepw
 ¥…fi r˘ EÚ“ M… i… EÚ…‰ V……Æ˙“ Æ˙J…x…‰ ®…Â ∫…Ω˛…™…EÚ Ω˛…x‰ …‰ E‰Ú April 08 and its subsequent quarterly
Xmsg ]d-bp-∂h - bv°v Du∂¬ \¬Ip-∂p.
 hneÿnc- X bv ° p ap¥nb ]cn- K - W \ ∫……l…-∫……l…  ¥…k…“™… §……W……Æ˙… ®… ®…⁄±™… Œ∫l…Æ˙i……, ∫…÷Œ∫l…Æ˙ reviews lay emphasis on the following:
\¬Ip∂ kmº-ØnI kml-Nc - yhpw ]en- ®…÷p˘…∫°Ú“ i… +{…‰I……+… B¥…∆ ∫…÷¥™…¥…Œ∫l…i… Œ∫l… i…™…… EÚ…‰  To ensure a monetary and interest rate
i-\n-c°pw Dd-∏p-hc - p-Øp-Ib - pw, kmº-ØnI
=SS… |……l… ®…EÚi…… n‰˘x…‰ ¥……±…‰ ®……Ë p˘EÚ B¥…∆ §™……V… n˘Æ˙ ¥……i……¥…Æ˙h… environment that accords high priority to
hn]- W n- I - f nse kml- N - c y- ß ƒ
price stability, well-anchored inflation
A®S°tØmsS \nb-{¥n®v ]W-s∏-cp-∏- EÚ…‰ ∫…÷ x…Œ∂S…i… EÚÆ˙x……*
Øns‚ ip`-{]-Xo-£I - ƒ \ne-\n¿Øp-Ib - pw, expectations and orderly conditions in
AtXm-sSm-∏w, hf¿®-bpsS thKX XpS¿∂p-   ¥…k…“™… +xi…¥…Ê∂… EÚ… +x…÷∫…Æ˙h… EÚÆ˙i…‰ Ω÷˛B  ¥…∂…‰π…EÚÆ˙ financial markets while being conducive to
t]m-Im≥ klm-bn-°p-Ibpw sNøp-I. Æ˙…W‰ …M……Æ˙ - M…Ω˛x… I…‰j…… E‰Ú  ±…B @Òh… M…÷h…¥…k…… ∫……l… Ω˛“ continuation of the growth momentum.
 [\-Im-cy-tk-h\ - ß
- ƒ hym]-Ia - m-°p-tºmƒ @Òh…  ¥…i…Æ˙h… {…Æ˙ §…±… n‰˘x……*  To emphasise credit quality as well as
hmbv]b - psS KpW-\n-eh - m-cØ- nepw hmbv]m-
hn-Xc
- W
- Ø - n-epw, hnin-jy, sXmgn-e[ - n-jvTnX  ∫…®…O… ∞¸{… ∫…‰ |…i™…… ∂…i… +…Ãl…EÚ ¥…fi r˘ ∫…‰ ∫…÷∫…∆M…i… credit delivery, in particular, for
hn`m-Kß- f - n¬, IqSp-X¬ {i≤ Dd∏m°p-I. employment-intensive sectors, while
+…¥…∂™…EÚ @Òh… ¥…fi r˘ EÚ“ {…⁄Ãi… E‰Ú  ±…B ∫…Ω⁄˛ ±…™…i… {…⁄h…«
 samØ-Øn-ep≈ kmº-ØnI hf¿®bv°v pursuing financial inclusion.
A\p-kr-Xa - mbn hmbv]m h¿[\ km[y-am- S…±…  x… v… EÚ… |……¥…v……x…*
 Provision of comfortable liquidity to meet
°-Ø-°-hÆw A\pkrXamb [\-e-`yX  ¥…fi r˘ B¥…∆  ¥…k…“™… Œ∫l…Æ˙i…… {…Æ˙ ®…∆b˜Æ˙…i…“ =¶…Æ˙i…“ ¥…Ë ∑…EÚ the required credit growth consistent with
Dd-∏m-°p-I.
 hf¿®-t
B¥…∆ n‰˘∂…“ {… Æ˙Œ∫l… i… u˘…Æ˙… +{…‰ I…i… +x…÷∫……Æ˙ ∫…¶…“ ∫…∆¶……¥™… the overall projection of economic growth.
- bbpw kmº-ØnI ÿnc-X-tbbpw
{]XnIqeambn _m[n°p∂ BtKm-fX - e
- Ø - n- ={……™…… E‰Ú ∫……l… i…iEÚ…±… B¥…∆ |…¶……¥…∂……±…“ f∆¯M… ∫…‰ |… i… GÚ™…… To respond swiftly and effectively with


ep-≈Xpw B`y-¥-c-hp-amb kml-N-cy-ß-  n˘J……x…… all possible measures as warranted by the


tfmSv s]s´∂v ^e-{]-Z-ambn {]Xn-I-cn-°p-
Ibpw km[y- a mb F√m \S- ] - S n- I - f pw evolving global and domestic situation
®……Ë p˘EÚ ={……™…
ssIs°m-≈p-Ibpw sNøp-I. impinging on growth and financial stability.
kmº-ØnI \S-]-Sn-Iƒ Ω˛…±……ƒ EÚ §…ÈEÚ n˘Æ˙ ®… EÚ…‰<« {… Æ˙¥…i…«x… x…Ω˛” EÚÆ˙i…‰‰ Ω÷˛B =∫…‰
Monetary Measures
_m¶p-\n-c°v h¿jw apgp-h\pw am‰an√msX {…⁄Æ˙… ¥…π…« 6 |… i…∂…i… Æ˙J…… M…™……, ¶……Æ˙i…“™…  Æ˙V…¥…« §…ÈEÚ x…‰
6 iX-am-\a - mbn \ne-\n¿Øns°m≠v ]pXnb While the Bank Rate was kept unchanged
kw`-h-hn-Im-k-ß-fpsS ]›mØ-e-Øn¬ =i{…z… {… Æ˙Œ∫l… i…™…… E‰Ú ∫…xn˘¶…« ®… ={…™…÷HÚ ®……Ë p˘EÚ ={……™… at 6 per cent throughout the year, RBI
dnk¿hv _m¶v Hm^v C¥y DNn-Xa - mb kmº- ±……M…⁄  EÚB* +…Æ˙ I…i… x…EÚn˘“  x… v… +x…÷{……i… V……‰  EÚ implemented appropriate monetary
ØnI \S-]S- n-Iƒ ssIs°m-≠p. kmº-Øn-
I-h¿j-Øns‚ XpS-°-Øn¬ 7.5% Bbn-
 ¥…k…“™… ¥…π…« E‰Ú +…Æ˙®¶… ®… 7.5% l……, =∫…‰ 30 +M…∫i… measures in the context of evolving
cp∂ Iymjv dnk¿hv tdtjym (CRR) 2008 2008 i…EÚ 6 S…Æ˙h……Â ®…Â 9% i…EÚ §…g¯…™…… M…™……* §……n˘ developments. The CRR, which was 7.5%
9

BKÃv 30 Bb-t∏m-tg°pw Bdp-L´- ß - f - n- ®…Â, +…Æ˙ I…i… x…EÚn˘“  x… v… +x…÷{……i… EÚ…‰ +H⁄Ú§…Æ˙ - x…¥…∆§…Æ˙ in the beginning of the financial year, was
th
embn 9% F∂ \ne-bn-te-°p-b¿Øn. ]n∂o- 2008 ®…Â 3.5% P…]ı…EÚÆ˙ 5.5%  EÚ™…… M…™…… +…ËÆ˙ V…x…¥…Æ˙“ hiked in 6 stages to 9% by 30 August 2008.
Sv, 2008 HIvtSm-_¿-˛\- h
- w-_¿ amk-ßf - n¬ 3.5% Subsequently CRR was brought down by
Ipd®v 5.5% B°n. XpS¿∂v 2009 P\p-hc - n- 2009 ®… <∫…‰ +…ËÆ˙ P…]ı…EÚÆ˙ ¥…i…«®……x… n˘Æ˙ 5% Æ˙J……
3.5% to 5.5% in October-November 2008
bn¬ Ct∏m-gsØ 5% Bbpw Ipd-®p. M…™……*
and further to the current rate of 5% in
dnt∏m-\n-c°v 9%˛¬ \n∂v 4.75% Bbpw, {…÷x…&J…Æ˙“n˘ n˘Æ˙ EÚ…‰ 9% ∫…‰ P…]ı…EÚÆ˙ 4.75% EÚÆ˙  n˘™…… January 2009.
LAF˛\p Iogn-ep≈ dnthgvkv dnt∏m \nc°v
6%˛¬ \n∂v 3.25% Bbpw Ipd-®p. M…™……* V…§… EÚ B±… B B°Ú E‰Ú +xi…M…«i… |… i…¥…i…‘ {…÷x…& The repo rate was reduced from 9% to
a‰p \S-]-Sn-Iƒ J…Æ˙“n˘ n˘Æ˙ EÚ…‰ 6% ∫…‰ P…]ı…EÚÆ˙ 3.25% EÚÆ˙  n˘™…… M…™……* 4.75% while the reverse repo rate under
Cs°m√w dnk¿hv _m¶v Hm^v C¥y \S-∏n- the LAF reduced from 6% to 3.25%.
+x™… ={……™…
em-°nb a‰p \S-]S- n-If - n¬ Xmsg ]d-bp-∂h
Other Measures
Dƒs∏-Spw. ¥…π…« E‰Ú n˘…ÆË ˙…x… ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… ±……M…⁄  EÚB M…B
FCNR (B) \nt£-]-߃°p≈ ]en-i-\n-c-
Other measures implemented by the
+x™… ={……™……Â∆ ®…  x…®x… ∂…… ®…±… ΩÈ˛:
°ns‚ ]cn[n 2008 G{]n¬ 1˛\v LIBOR \p Reserve Bank of India during the year
Xmsg 75 bps Bbn-cp-∂Xv 175 ASn-ÿm\ B°Ú ∫…“ Bx… +…Æ˙ (§…“) V…®……Æ˙… ∂…™…… {…Æ˙ §™……V… n˘Æ˙ include:
t]mbn‚p-Iƒ h¿≤n-®v LIBOR ˛\p 100 bps EËÚ{…, 1 +|…˱… 2008 EÚ…‰  ±…§……ÏÆ˙ ∫…‰ EÚ®… 75 +…v……Æ The interest rate cap on FCNR (B) deposits
apI-fn-em-bn. +∆EÚ  ±…§……ÏÆ˙ ∫…‰ 100 +…v……Æ˙ +∆EÚ >{…Æ˙ §…g¯¯…EÚÆ˙ was increased by 175 basis points from 75
NR(E)RA \nt£-]-߃°p≈ ]en-i-\n-c- st
175 +…v……Æ˙ +∆EÚ EÚÆ˙  n˘™…… M…™……* bps below LIBOR as on 1 April 2008 to
°ns‚ ]cn[n 2008 G{]n¬ 1˛\v LIBOR Bbn-
100 bps above LIBOR.
cp-∂Xv 175 ASn-ÿm\ t]mbn‚p-Iƒ h¿≤n- Bx… +…Æ˙ (<«) +…Æ˙ B V…®……Æ˙… ∂…™…… {…Æ˙ §™……V… n˘Æ˙ EËÚ{…
®v LIBOR˛\p 175 bps apI-fn-em-bn. EÚ…‰ 1 +|…˱… 2008 E‰Ú  ±…§……ÏÆ˙ ∫…‰ 175 +…v……Æ˙ +∆EÚ The interest rate cap on NR(E)RA deposits
A\p- ] mXw \n›- b n- ° mØ tIm¿∏- t d‰v was increased by 175 basis points from
>{…Æ˙ §…g¯…EÚÆ˙ 175 +…v……Æ˙ +∆EÚ EÚÆ˙  n˘™…… M…™……* st
FIvkvt]m-jd- p-Iƒ°pw Ita-gvky¬ dnb¬ LIBOR as on 1 April 2008 to 175 bps
FtÃ- ‰ n- \ p- a p≈ \jv S - k m- [ yXm `mcw + x…v……« Æ˙i… EÚ…Æ˙{……‰Æ˙‰]ı @Òh… V……‰ J…®… B¥…∆ ¥…… h…ŒV™…EÚ above LIBOR.
150%-¬ \n∂pw 100% Bbn Ipd-®p. ∫l……¥…Æ˙ ∫…∆{…n˘… {…Æ˙ @Òh… ¶……Æ˙ EÚ…‰ 150% ∫…‰ P…]ı…EÚÆ˙ The risk weight on unrated Corporate
{]ojn-]vsa‚ v Ddp-∏nI FIvkvt]m¿´v s{IUn- 100% EÚÆ˙  n˘™…… M…™……* Exposures and Commercial real estate was
‰ns‚ BZy …m_ns‚ XpS¿®m- { I- a w,
s_©vam¿°v ss{]w se≥UnwKv td‰n¬ +…v……Æ˙ x™…⁄x…i…®… =v……Æ˙ n˘Æ˙ (§…“ {…“ B±… +…Æ˙) P…]ı…¥… brought down from 150% to 100%.
(BPLR) \n∂pw 2.5% t]mbn‚p-Iƒ Ipd®v 2.5 |… i…∂…i… +∆EÚ E‰Ú  Æ˙˙™……™…i…“ §™……V… n˘Æ˙ =SS…i…®… The tenor of first slab of pre-shipment
kuP-\y-]e - ni \nc°p \n¿W-bn-®n-cp-∂Xv rupee export credit, available at a
180 Znh-k-Øn¬ \n∂pw 270 Znh-k-tØ- ∫…“®…… {…Æ˙ ={…±…§v… {……‰i… ±…n˘…x… {…⁄¥…« Ø˚{…™……  x…™……«i… @Òh…
concessional interest rate ceiling of the
°mbn h¿≤n-∏n-®p. E‰Ú |…l…®… ∫±…˧… E‰Ú ∫¥…∞¸{… EÚ…‰ 180  n˘x… ∫…‰ §…g¯…EÚÆ˙ benchmark prime lending rate (BPLR)
`h-\\ - n¿am-Wt- a-Je- bv°pw NBFC Iƒ°pw 270  n˘x… EÚÆ˙  n˘™…… M…™……* minus 2.5 percentage points, increased
[\-kl - mbw \¬Ip-∂X - n-\pff kvs]jy¬
¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… M…fiΩ˛  x…®……«h… I…‰j… i…l…… M…ËÆ˙- from 180 days to 270 days.
doss^-\m≥kv hn≥tUmkv dnk¿hv _m¶v
Hm^v C¥y Bcw`n®p. §…ÈÀEÚM…  ¥…k…“™… E∆Ú{… x…™…… EÚ…‰  ¥…k…{……‰π…h… Ω‰˛i…÷  ¥…∂…‰π… The special refinance windows for financing
samss_¬ _m¶nwKv CS-]m-Sp-Iƒ°p≈ {…÷x…Ã¥…i…  ¥…xb˜…∫‰ … |……Æ˙®¶…  EÚB M…B ΩÈ˛* the housing sector and NBFCs were
am¿§-\n¿t±-߃ dnk¿hv _m¶v Hm^v C¥y opened by RBI.
]pd-s∏-Sp-hn-®p. ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ x…‰ ®……‰§……<±… §…ÈÀEÚM… ±…‰x…n‰˘x…… Ω‰˛i…÷
RBI issued operative guidelines for mobile
hnhn[Xcw hmbv ] Isf ]p\x |…¥…i…‘  n˘∂……- x…nÊ˘∂… V……Æ˙“  EÚ™…… Ω˲*
banking transactions.
kwLSn∏n°p∂ \nehnepff am¿§
+ O…®…… E‰Ú  ¥… ¥…v… |…EÚ…Æ˙… EÚ… {…÷x…M…«`ˆx… E‰Ú ∫…∆§…xv… ®… Prudential Guidelines governing
\n¿t±ißsf {IaoIcn®v ]pXnb am¿§
\n¿t±i߃ ]pds∏Sphn®p.  ¥…¥…‰EÚ{…⁄h…«  n˘∂…… x…nÊ˘∂… +§… ∫…Œ®®… ±…i…  EÚB M…B ΩÈ˛ i…l…… restructuring of different types of advances
_m¶nwKv hyh-kmbw x…¥…“x…i…®…  n˘∂…… x…nÊ˘∂… V……Æ˙“  EÚB M…B l…‰* were aligned and fresh guidelines issued
IqSp-X¬ k©n-X-amb kºZv hyhkvY by the RBI.
temIsغmSpw hf¿∂phcp∂
§…ÈÀEÚM… =t…‰M…
kmlNcyØn¬, cmPy-Øns‚ samØ-Øn- Banking Industry
n‰˘∂… E‰Ú +{…x…‰ ∫…®…Œπ]ı +…Ãl…EÚ Œ∫l…Æ˙i…… E‰Ú  ±…B  ¥…∂…‰π…EÚÆ˙
ep≈ kº-Zvhy-h-ÿ-bpsS ÿnc-X-bv°v, The resilience and stability of the domestic
§…g¯i…‰ Ω÷˛B BEÚ“EfiÚi…  ¥…∑… ®… n‰˘∂…“  ¥…k…“™… |…h……±…“ ®…Â
B`y-¥c kmº-ØnI kwhn-[m-\-Øns‚ financial system are essential to a country’s
{]Xym-KX - nbpw ÿnc-Xbpw A\p-t]-£W- o- ±……‰S… B¥…∆ Œ∫l…Æ˙i…… EÚ… Ω˛…x‰ …… +…¥…∂™…EÚ Ω˲* own macroeconomic stability, particularly
b-am-Wv.
¥…π…« E‰Ú n˘…ÆË ˙…x… ∫…¶…“ +x…÷∫…⁄ S…i… ¥…… h…ŒV™…EÚ §…ÈEÚ…Â EÚ“ in an increasingly integrated world.
\S-∏p-h¿j-Øn¬ F√m sjUyqƒUv hmWn-
Py-_m-¶p-I-fp-sSbpw samØw \nt£]w E÷Ú±… V…®……Æ˙… ∂…™……ƒ Ø˚.6,33,382 EÚÆ˙…c‰ ˜ EÚ“ ¥…fi r˘ n˘V…« Aggregate deposits of All Scheduled
6,33,382 tImSn cq]-bpsS hf¿® tcJ-s∏-Sp- EÚÆi…‰ Ω÷˛B˙ ®……S…« 2009 E‰Ú +Œxi…®… ∂…÷GÚ¥……Æ˙ EÚ…‰ Commercial Banks grew by Rs.6,33,382
10

Øn, 2009 am¿®v Ah- k m- \ sØbmgv ® Ø˚. 38,30,322 EÚÆ˙…˙‰c˜ Ω˛…‰ M…<« +…ËÆ˙ <x…®…Â 19.80% crore during the year to reach Rs.38,30,322
38,30,322 tImSn cq]-bn-se-Øn. 19.80% hf¿® crore as at the last Friday of March 2009
EÚ“ ¥…fi r˘ n˘V…« Ω÷˛<*« ¥…π…« E‰Ú n˘…ÆË ˙…x… ∫…EÚ±… + O…®…… ®…Â
\nc°v tcJs∏SpØn samØw hmbv] \S- registering a growth rate of 19.80%. The
∏p-h¿j-Øn¬ 17.30% hf¿® tcJ-s∏-Sp-Øn, 17.30% ¥…fi r˘ n˘V…« Ω÷˛<« +…ËÆ˙ ™…‰ §…g¯EÚÆ˙ Ø˚. 27,70,012 growth in Gross Advances registered a
27,70,012 tImSn cq]-bmbn Db¿∂p. `£y- 4.08%
EÚÆ˙…c‰ ˜ Ω˛…‰ M…<«* J……t @Òh… EÚ“ ¥…fi r˘ n˘V…« EÚÆ˙ growth of 17.30% during the year and rose
hn-`h hmbv] 4.08% h¿≤n-®v 46,211 tImSn
Ø˚. 46,211 EÚÆ˙…c‰ ˜ Ω˛…‰ M…™……* M…ËÆ˙-J……t @Òh… ®…Â 17.53% to Rs.27,70,012 crore. Food credit
cq]-bm-bn. `t£y-X-c-hn-`h hmbv] 17.53%
increased by 4.08% to Rs.46,211 crore.
h¿≤n®v 2009 am¿®v Ah-km\w 27,23,801 EÚ“ ¥…fi r˘ n˘V…« EÚÆ˙ ®……S…« 2009 EÚ“ ∫…®……Œ{i… {…Æ˙ Ø˚.
tImSn cq] F∂ \ne-bn-se-Øn. _m¶p-I- Non-Food credit grew by 17.53% and
27,23,801 EÚÆ˙…c‰ ˜ E‰Ú ∫i…Æ˙ i…EÚ {…Ω÷˛ƒS… M…™……* §…ÈEÚ…Â E‰Ú reached the level of Rs.27,23,801 crore as
fpsS C≥sh-Ãvsa‚ v t]m¿´vt^m-fn-tbm, hn`-
h-ßf - psS hf¿®-bv°\ - p-kr-Xa
- mbn h¿≤n-  x…¥…‰∂… {……‰]ı«°Ú…‰ ±…™……‰ ¶…“ ∫…∆∫……v…x… ¥…fi r˘ E‰Ú ∫……l…-∫……l… at the end of March 2009. The investment
®v, 19.97% hf¿® tcJ-s∏-Sp-Øn, (I-gn-™- §…g¯i…‰ Ω÷˛B (M…i… ¥…π…« E‰Ú n˘…ÆË ˙…x… n˘V…« Ω÷˛<« 22.90% ¥…fi r˘ portfolios of banks also moved up in
h¿sØ 22.9% bpambn Xmc-X-ay-s∏-Sp-Øp- tandem with resource growth, recording a
EÚ“ i…÷±…x…… ®…∆‰) 19.97% EÚ“ ¥…fi r˘ n˘V…« EÚÆ˙ Ø˚.
tºmƒ) 11,65,746 tImSn cq]-sb∂ \ne-bn- growth of 19.97% (compared to the
se-Øn. 11,65,746 EÚÆ˙…c‰ ˜ E‰Ú ∫i…Æ˙ i…EÚ {…Ω÷˛ƒS… M…™…‰* growth of 22.90% during last year), to reach
kº-Zvhy-hÿ - b
- n¬ \mW-bs - ∏-cp∏w sNep-
¥…π…« EÚ“ |…l…®… UÙ®……Ω˛“ E‰Ú n˘…ËÆ˙…x… +l…«¥™…¥…∫l…… {…Æ˙ a level of Rs.11,65,746 crore.
Ønb kΩ¿±w h¿jØns‚
Inflationary pressure in the economy put
BZy]IpXnbn¬ B`y-¥c ]eni \nc-°p- Œ∫l…i… ®…÷p˘…∫°Ú“ i…V…x…EÚ n˘§……¥… x…‰ n‰˘∂…“ §™……V… n˘Æ˙… EÚ…‰
pressure on domestic interest rates during
I-fnepw kΩ¿±-Øn\p tlXp-hm-bn. CRR |…¶…… ¥…i…  EÚ™……* +…Æ˙ I…i… x…EÚn˘“  x… v… +x…÷{……i… i…l……
dnt∏m \nc-°p-Iƒ Db¿∂-Xv, h¿j-Øns‚ the first half of the year. The hikes in the
BZy-]-Ip-Xn-bn¬ BPLR \nc-°p-Iƒ ]e-X-
{…÷x…&J…Æ˙“n˘ n˘Æ˙… ®… §…g¯…i‰ …Æ˙“ E‰Ú EÚ…Æ˙h… ∫……¥…«V… x…EÚ I…‰j… CRR and the repo rates necessitated Public
hW h¿≤n-∏n-°m≥ s]mXp-ta-Jem _m¶p- E‰Ú §…ÈEÚ…Â E‰Ú  ±…B ¥…π…« E‰Ú {…⁄¥……«v…« ®…Â +{…x…‰ §…“ {…“ B±… Sector Banks (PSBs) to increase their BPLR
Isf \n¿_v[n-Xa - m-°n. Db¿∂ ap≥K-W\ - m- several times in the first half of the year.
+…Æ˙ EÚ…‰ EÚ<« §……Æ˙ §…g¯…x…… +…¥…∂™…EÚ Ω˛…‰ M…™……* ®…÷J™…i…&
h- I m- i - Ø n- s ‚bpw hmbv ] - I - f p- s Sbpw Call money rate also moved up mainly on
t]cn¬ ImƒaWn \nc-°nepw h¿≤-\h - p-≠m- =SS…i…Æ˙ {…⁄¥…« GÚ™… + v…EÚ…Æ ˙+…ËÆ˙ @Òh… E÷Ú±… J…Æ˙“n˘ E‰Ú account of higher pre-emption and credit
bn. F¶n-epw, 2008 \hw-_¿ apX¬ {]Jym- S…±…i…‰ ®……∆M… ®…÷p˘… n˘Æ˙ ¶…“ §…g¯ M…™……* i…l…… {…, x…¥…®§…Æ˙ off-take. However, the slew of measures
]n-°s - ∏´ ]e \S-]S- n-If - p-tSbpw ^e-ambn announced from November 08 onwards
08 ∫…‰ P……‰ π…i… EÚ<« i…Æ˙Ω˛ E‰Ú ={……™…, i…Æ˙±…i…… ®…Â ∫…÷v……Æ˙,
an°- h mdpw _m¶p- I - f n¬ ]W e`yX
translated to improved liquidity and
IqSpIbpw, hmbv]m ]eni \nc°v, Imƒtd‰v =v……Æ˙ B¥…∆ ®……∆M… n˘Æ…‰∆ ®… EÚ®…“ E‰Ú ∞¸{… ®… {… Æ˙h…i… Ω÷˛B*
lowering of lending and Call rates.
F∂nh Ipd-bp-Ibpw kpc£nXamb \nt£-
]-ßf - psS hne h¿≤n-°p-Ibpw sNbvXp. 2. §…ÈEÚ EÚ…  x…π{……n˘x… 2 BANK’S PERFORMANCE
2. _m¶ns‚ {]I-S\w 2.1 EÚ…™…«S……±…x… {… Æ˙h……®… i…l…… {… Æ˙S……±…x… ±……¶… 2.1 Working Results and Operating
2.1 {]h¿Ø-\-^-ehpw {]h¿Ø-\-em- Profit
`hpw §…ÈEÚ EÚ… {… Æ˙S……±…x…M…i… ±……¶… (∫]ı…°Ú |……¥…v……x……Â E‰Ú
Operating profit (after staff provisions) of
2008˛09-˛se _m¶ns‚ {]h¿Ø-\e - m`w (Ãm- §……n˘) M…i… ¥…π…« E‰Ú Ø˚. 709.09 EÚÆ˙…c‰ ˜ EÚ“ i…÷±…x…… ®…Â
the Bank for 2008-09 stood at Rs.1,056.27
^w-K-߃°p≈ Nnehv hI-bn-cp-Ø-en-\p- ¥…π…« 2008-09 E‰Ú n˘…ËÆ˙…x… Ø˚. 1,056.27 EÚÆ˙…‰c˜ crore as against Rs.709.09 crore for the
ti-jw), ap≥ h¿jsØ 709.09 tImSn cp]-
sb-∂-Xv 1,056.27 tImSn cq]-bn-se-Øn. \S- Æ˙Ω˛…* ¥…π…« EÚ…  x…¥…±… ±……¶… 2007-08 E‰Ú Ø˚. 386.11 previous year. Net Profit for the year stood
∏p-h¿jsØ A‰m-Zmbw 2007-˛08-˛se 386.11 EÚÆ˙…c‰ ˜ EÚ“ i…÷±…x…… ®…Â Ø˚. 607.84 EÚÆ˙…c‰ ˜ Æ˙Ω˛…* §…ÈEÚ at Rs.607.84 crore as compared to
tImSn cp]-sb-∂Xv 607.84 tImSn cq]-bm-bn. Rs.386.11 crore in 2007-08. The Earnings
EÚ… +ÃV…i… |… i… ∂…‰™…Æ˙ (+∆ EÚi… ®…⁄±™… Ø˚. 10/-)
{]Xn Hmlcn hcpam\w (10 cq] per share (of Rs. 10 face value) improved
apJhnebpff) 77.22 cq]bn¬ \n∂pw 121.57 Ø˚. 77.22 ∫…‰ §…g¯EÚÆ˙ Ø˚. 121.57 Ω˛…‰ M…™……* from Rs.77.22 to Rs.121.57.
cq]bmbn h¿≤n®p.
2.2 ±……¶……∆∂… 2.2 Dividend
2.2 em`-hn-lnXw
The Bank declared a higher dividend of
Hml-cn-bp-Sa
- I
- ƒ°v _m¶v 130% em`-hn-lnXw §…ÈEÚ x…‰ ∂…‰™…Æ˙v……Æ˙EÚ…Â E‰Ú  ±…B 130% EÚ“ =SS…i…Æ˙
130% to the shareholders, entailing a total
{]Jym-]n-®p. Cubn-\-Øn¬ samØw 65 ±……¶……∆∂… EÚ“ P……‰π…h…… EÚ“  V…∫…®…Â E÷Ú±… Ø˚. 65 EÚÆ˙…c‰ ˜
tImSn cq] \¬tI-≠n-h-cpw. em`-hn-ln-X-˛- payout of Rs.65 crore. The Pay-out Ratio
hn-Xc
- W A\p-]mXw (em-`h - n-lnX \nIp-Xn- J…S…« Ω˛…MÂ …‰* J…S…« +x…÷{……i… ∫…∆ ¥…i…Æ˙h…“™… ±……¶… (±……¶……∆∂… works out to 11.46% of the distributable
IqSmsX) 11.46% BWv. EÚÆ˙ Æ˙ Ω˛i…) EÚ… 11.46% Ω˛…M‰ ……* profit (excluding dividend tax).
11

hym]mcw Zim_vZßfneqsS
n˘∂…EÚ…Â ®… EÚ…Æ˙§……Æ˙
Business over the decades
Rs. 75,014 cr.

Rs. 13,116 cr.


Rs. 567 cr. Rs.2,670 cr.
One more step towards achieving high-level customer care.…..
Mrs. Suma Varma, Banking Ombudsman for Kerala & Lakshadweep launching “SBT Care”
using mobile technology for customer complaint redressal in the presence of
Shri. A K Jagannathan, Managing Director and Shri. A Ramakrishnan, Chief General Manager.

2.3 aqe-[\ kamlcWhpw aqe[\ 2.3 {…⁄Vƒ …“ ∫…∆¥…v…«x… B¥…∆ {…⁄Vƒ …“ {…™……«{i…i…… 2.3 Capital Augmentation & Capital
]cym]vXXbpw Adequacy
§…ÈEÚ EÚ“ {…⁄Vƒ …“  x… v…™……ƒ ®……S…« 2008 EÚ“ ∫…®……Œ{i… {…Æ˙
_m¶ns‚ aqe-[\ ^≠p-Iƒ 2008 am¿®v The Bank’s capital funds improved from
Œ∫l…i… Ø˚. 3407.41 EÚÆ˙…c‰ ˜ ∫…‰ ∫…÷v…Æ˙ EÚÆ˙ ®……S…« 2009
Ah-km\w 3,407.41 tImSn cq]-bm-bn-cp-∂X - v, Rs.3,407.41 crore as at the end of March
2009 am¿®v Ah-km\w 3,843.34 tImSn cq]- EÚ“ ∫…®……Œ{i… {…Æ˙ Ø˚. 3843.34 EÚÆ˙…c‰ ˜ Ω˛…‰ M…<«* ®……S…« 2008 to Rs.3,843.34 crore as at the end of
bmbn h¿≤n-®p. t_k¬ II A\pkcn®v 2008 ®… §…‰∫…±… - II E‰Ú +xi…M…«i… {…⁄ƒV…“ {…™……«{i…i…… March 2009. The capital adequacy Ratio
aqe[\ ]cym]vXXm A\p]mXw am¿®v 2008 +x…÷{……i… 13.53% ∫…‰ ∫…÷v…Æ˙EÚÆ˙ ®……S…« 2009 ®…Â 14.03% under Basel II improved from 13.53% in
se 13.53% ¬ \n∂pw am¿®v 2009 ¬ 14.03% March 08 to 14.03% in March 09.
Bbn h¿≤n®p. Ω˛…‰ M…™……*
The Bank has migrated to Basel-II
2008 am¿®v 31 apX¬ _m¶v, t_k¬ II N´- §…ÈEÚ, 31 ®……S…« 2008 EÚ“ |…¶……¥…“  i… l… ∫…‰ §…‰∫…±…-II st
framework with effect from 31 March
°q-Sn-t- e°p amdn. 31.03.2009\v t_k¬ II N´- f¯…ƒS…‰ EÚ…‰ ®……<O…‰]ı Ω˛…‰ M…™……* 31 ®……S…« 2009 EÚ“
°q-Sn\p Iogn-ep≈ samØw CRAR s]mkn- 2008. The total CRAR position under
st
j≥, dnk¿hv _m¶ns‚ an\naw Bb 9% Œ∫l… i… E‰Ú +x…÷∫……Æ˙ §…‰∫…±…-II f¯…Sƒ …‰ E‰Ú +∆i…M…«i… E÷Ú±… ∫…“ Basel-II framework as on 31 March 2009
F∂-Xns\ At]-£n®v 14.03% Bbn h¿[n- +…Æ˙ B +…Æ˙ EÚ“ Œ∫l… i…, ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… is 14.03% against a minimum of 9%
®p. 31.03.2009\v CRAR ˛s‚ Snb¿ I  x…™…i… x™…⁄x…i…®… 9% EÚ“ i…÷±…x…… ®… 14.03% Ω˲* M…i… stipulated by RBI. The Tier-I CRAR on this
ap≥h¿jsØ 7.41%s\ At]£n®v 8.59% date is 8.59% as against 7.41% as at the
¥…π…« EÚ“ ∫…®……Œ{i… {…Æ˙ Œ∫l…i… 7.41% EÚ“ i…÷±…x…… ®… <∫…
Bbn Db¿∂p. end of the previous year.
2.4 \nt£]w  i… l… EÚ…‰ ]ı“™…Æ˙-I ∫…“ +…Æ˙ B +…Æ˙ 8.59% Ω˲*
2.4 Deposits
_m¶ns‚ samØw \nt£-]-߃ 18.92 % 2.4 V…®……Æ˙… ∂…™……ƒ Total deposits of the Bank registered a
hf¿® tcJ-s∏-Sp-Øn, 2009 am¿®v 31-˛\v
§…ÈEÚ EÚ“ E÷Ú±… V…®……Æ˙… ∂…™……Â ®…Â 18.92% EÚ“ ¥…fi r˘ n˘V…« growth of 18.92%, reaching the level of
42,041.92 tImSn cq]-bm-bn. 2008 am¿®v 31-˛\v st
Ω÷˛<«  V…∫…∫…‰ ™…Ω˛ 31 ®……S…« 2008 E‰Ú Ø˚. 35,353.89
CXv 35,353.89 tImSn cq]- b m- b n- c p- ∂ p. Rs.42,041.92 crore as on 31 March 2009 as
st
hy‡nKX \nt£-]ß - ƒ 6,853.61 tImSn cq] against Rs.35,353.89 crore as on 31 March
EÚÆ˙…‰c˜ EÚ“ i…÷±…x…… ®…Â 31 ®……S…« 2009 E‰Ú +x…÷∫……Æ˙
I≠p h¿≤n- ® v 28,586.87 tImSn 2008. Personal Deposits grew by Rs.6,853.61
Ø˚. 42,041.92 EÚÆ˙…‰c˜ E‰Ú ∫i…Æ˙ i…EÚ {…Ω÷ƒ˛S… M…<«* crore to reach Rs.28,586.87 crore.
cq]bnseØn.
2.5 {]hmkn \nt£]߃
¥…Ë™… HÚEÚ V…®……Æ˙… ∂…™……Â ®…Â Ø˚. 6,853.61 EÚÆ˙…‰c˜ EÚ“
2.5 NRI Deposits
cq]-bp-ambn _‘-s∏´v tUmf-dns‚ aqeyw
¥…fi r Ω˛…E‰ ÚÆ˙ ™…Ω˛ Ø˚. 28,586.87 EÚÆ˙…c‰ ˜ Ω˛…‰ M…™…‰*
There was a dramatic turnaround in NRI
h¿≤n-°p-Ibpw ]en-i-\n-c°v Db-cp-I-bpw 2.5 + x…¥……∫…“ ¶……Æ˙i…“™… V…®……Æ˙… ∂…™……ƒ
Deposits due to appreciation of dollar in
sNbvXX- ns‚ ^eambn {]hmkn \nt£-]-
+ x…¥……∫…“ ¶……Æ˙i…“™… V…®……Æ˙… ∂…™……Â ®…Â Ø˚{…™…‰ E‰Ú +…v……Æ˙ terms of Rupee and enhanced interest
ß-fn¬ A`p-X]- q¿∆-amb h¿≤-\h- p-≠m-bn.
rates. NRI deposits increased by
Ign-™-h¿jw {]Xn-tem-a-]-c-amb 193.37 {…Æ˙ b˜…±Ï …Æ˙ E‰Ú + v…®…⁄±™…x… i…l…… ¥…Ãv…i… §™……V… n˘Æ˙… E‰Ú
tImSn cq] hf¿®- b p- ≠ m- b - t ∏mƒ, Rs.2,490.73 crore to Rs.10,893.15 crore
EÚ…Æ˙h… +…EÚŒ∫®…EÚ {… Æ˙¥…i…«x… Ω˛…‰ M…™……* + x…¥……∫…“ ¶……Æ˙i…“™… compared to a negative growth of
Cs°m√w {]hmkn \nt£-]ß - ƒ 2,490.73
tImSn cq] h¿≤n®v 10,893.15 tImSn cq]- V…®……Æ˙… ∂…™……ƒ M…i… ¥…π…« Ø˚.193.37 EÚÆ˙…c‰ ˜ E‰Ú x…EÚ…Æ˙…i®…EÚ Rs.193.37 crore in the previous year. NRI
bmbn. {]hmkn \nt£]߃ \S∏ph¿jw ¥…fi r˘ EÚ“ i…÷±…x…… ®… Ø˚.2,490.73 EÚÆ˙…c‰ ˜ ∫…‰ §…g¯EÚÆ˙ deposits recorded a growth of 29.64%
12

29.64% hf¿® tcJs∏SpØn 2009 am¿®v 31 Ø˚. 10,893.15 EÚÆ˙…‰c˜ Ω˛…‰ M…<»* ¥…π…« E‰Ú n˘…ËÆ˙…x… during the year and constituted 25.91% ofst
se samØw \nt£]ßfpsS 25.91 + x…¥……∫…“ ¶……Æ˙i…“™… V…®……Æ˙… ∂…™……Â ®…Â 29.64% EÚ“ the Total deposits of the Bank as on 31
iXam\ambn. ¥…fi r˘ n˘V…« EÚ“ M…<« i…l…… ™…Ω˛ 31 ®……S…« 2009 EÚ…‰ §…ÈEÚ March 2009.
2.6 hmbv]-Iƒ EÚ“ E÷Ú±… V…®……Æ˙… ∂…™…ƒ… EÚ… 25.91% Æ˙Ω˛…* 2.6 Advances
_m¶ns‚ samØw hmbv]I - ƒ 2008 am¿®v Total advances of the Bank registered a
2.6 + O…®…
31-˛\v 28,136.62 tImSn cq]-bm-bn-cp∂Xv, \S- growth of 16.26% during the year and
∏p-h¿jw 16.26% h¿[-\hp tcJ-s∏-Sp-Øn, ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈEÚ E‰Ú E÷Ú±… + O…®… ®…Â 16.26% EÚ“ reached a level of Rs. 32,710.93 crore as
st
2009 am¿®v 31-˛\v 32,710.93 tImSn cq]-bmbn ¥…fi r˘ n˘V…« Ω÷˛<« V……‰  EÚ 31 ®……S…« 2008 EÚ“ Œ∫l… i… E‰Ú on 31 March 2009st
as against Rs.28,136.62
Db¿∂p. C & I hn`m-KØ - ntebpw (3234 tImSn +x…÷∫……Æ˙ Ø˚. 28,136.62 EÚÆ˙…c‰ ˜ EÚ“ i…÷±…x…… ®…Â 31 ®……S…« crore as on 31 March 2008. The main
cq]- b psS hf¿®) hy‡nKX hn`m- K - 2009 E‰Ú +x…÷∫……Æ˙ Ø˚. 32,710.93 EÚÆ˙…c‰ ˜ E‰Ú ∫i…Æ˙ i…EÚ contributions came from the C&I segment
Øntebpw (1856 tImSn cq] hf¿®) h¿≤- [growth of Rs.3,234 crore] and Personal
{…Ω÷ƒ˛S… M…<«* <∫…®… ®…÷J™…i…& ∫…“ Bhb˜ +…<« ∫…‰M®…‰h]ı segment [growth of Rs.1,856 crore]. The
\-hmWv apJy-ambpw Cu hf¿®bv°v \nZm- (Ø˚.3,234 EÚÆ˙…c‰ ˜ EÚ“ ¥…fi r˘) B¥…∆ ¥™… HÚM…i… ∫…‰M®…‰h…] Bank’s Retail lending stood at Rs.17,013
\-am-bX - v. 2009 am¿®v Ah-km\w _m¶ns‚ (Ø˚.1,856 EÚÆ˙…c‰ ˜ EÚ“ ¥…fi r˘)ı EÚ… ™……‰M…n˘…x… Æ˙Ω˛… Ω˲* crore and constituted 51.59% of total
Nn√d hmbv]I - ƒ 17,013 tImSn cq]-bm-W.v CXv
®……S…« 2009 EÚ“ ∫…®……Œ{i… {…Æ˙ §…ÈEÚ EÚ… J…÷n˘Æ˙… @Òh… advances as at the end of March 2009. The
samØw hmbv ] - I - f psS 51.59% BWv . Credit Deposit Ratio of the Bank stood at
_m¶ns‚ hmbv]m\n-t£] A\p-]mXw 2008 Ø˚. 17,013 EÚÆ˙…c‰ ˜ Æ˙Ω˛… +…ËÆ˙ ™…Ω˛ E÷Ú±… + O…®……Â EÚ… st
51.59% Æ˙Ω˛…* §…ÈEÚ EÚ… @Òh… V…®…… +x…÷{……i… 31 77.81% as on 31st March 2009 as against
am¿®v 31-˛\v 79.59% Bbn-cp-∂X - v, 2009 am¿®v 79.59% as on 31 March 2008.
31-˛\v 77.81% Bbn. ®……S…« 2008 E‰Ú 79.59% EÚ“ i…÷±…x…… ®…Â 31 ®……S…«
2009 E‰Ú +x…÷∫……Æ˙ 77.81% Æ˙Ω˛…* 2.7 Business Turnover
2.7 _nkn-\- v hn‰p hchv
The gross business turnover of the Bank
_m¶ns‚ samØw hn‰p-hc - hv 75,000 tImSn 2.7 EÚ…Æ˙§……Æ˙ +…¥…i…« crossed the milestone of Rs.75,000 crore
st
cq]-sb∂ \mgn-I° - √v ]n∂n-´v, 2009 am¿®v §…ÈEÚ EÚ… E÷Ú±… EÚ…Æ˙§……Æ˙ +…¥…i…« 31 ®……S…« 2008 E‰Ú and stood at Rs.75,014 crore on 31 March
31-˛\v 75,014 tImSn- cq-]b
- n-se-Øn. 2008 am¿®v
Ø˚. 63,801 EÚÆ˙…c‰ ˜ E‰Ú ∫i…Æ˙ ∫…‰ 17.57% EÚ“ ¥…fi r˘ 2009, registering a growth of 17.57% fromst
31-˛se 63,801 tImSn cq]-sb-∂-Xn¬ \n∂v
n˘V…« EÚÆ˙i…‰ Ω÷˛B Ø˚. 75,000 EÚÆ˙…‰c˜ E‰Ú ®…“±…-{…il…Æ˙ the level of Rs.63,801 crore as on 31
17.57% hf¿®-bm-WnXv ImWn-°p-∂X - v. March 2008.
EÚ…‰ {……Æ˙  EÚ™…… +…ËÆ˙ 31 ®……S…« 2009 E‰Ú +x…÷∫……Æ˙ Ø˚.
2.8 hn]-Wn-hn-lnXw 2.8 Market Share
75,014 EÚÆ˙…c‰ ˜ Ω˛…‰ M…™……*
\nt£-]ß - fn-ep≈ _m¶ns‚ AJn-te¥ym Bank’s All India market share in stdeposits
hn]-Wn-hn-lnXw 2008 am¿®v 31¬ 1.07% Bbn- 2.8 §……W……Æ˙ +∆∂… has improved from 1.07% on 31 March
th
cp∂Xv 2009 am¿®v 27¬ 1.08% Bbn sa®- V…®……Æ˙… ∂…™……Â ®…Â §…ÈEÚ EÚ… + J…±… ¶……Æ˙i…“™… §……W……Æ˙ +∆∂… 2008 to 1.08% on 27 March 2009. In
s∏-´p. hmbv]I- f- nse hnlnXw 1.18%¬ \n∂v 31 ®……S…« 2008 E‰Ú 1.07% ∫…‰ ∫…÷v…Æ˙ EÚÆ˙ 27 ®……S…« advances the share has declined from
1.15% Bbn Ipd™p. 2008 Unkw-_d- nse 1.18% to 1.15% in the same period. The
2009 ®…Â 1.08% Æ˙Ω˛…* + O…®……Â ®…Â §…ÈEÚ EÚ… +∆∂…
IW-°p-{]-Imcw tIc-fØ - nse imJm-irw-J- Bank continued to maintain its position as
1.18% ∫…‰  M…Æ˙EÚÆ˙ 1.15% Ω÷˛+…* §…ÈEÚ x…‰  n˘∫…®§…Æ˙ the premier bank in Kerala with a market
e-bpsS 14.56% hpw hym]m-c] - ¶
- m-fn-ØØ
- n¬
22.34 % hn]- W n- h n- l n- X hpw ssIø- S - ° n- 2008 E‰Ú +x…÷∫……Æ Æ˙…V™… E‰Ú E÷Ú±… ∂……J…… x…‰]ı¥…E«Ú E‰Ú share in business of 22.34% as at December
s°m≠v tIc-fØ - nse {]apJ _m¶v F∂ 22.34% +…ËÆ˙ 14.56% §……W……Æ˙ +∆∂… E‰Ú ∫……l… E‰ÚÆ˙±… ®…Â 2008 with 14.56% of the total branch
]Zhn \ne-\n¿Øn-t∏m-cp-∂p. |…®…÷J… §…ÈEÚ EÚ“ +{…x…“ Œ∫l… i… EÚ…‰ §…Æ˙EÚÆ˙…Æ˙ Æ˙J……* network in the state.

hmbv]Iƒ
+ O…®…
Advances
Rs. 32,711 cr.

Rs. 28,137 cr.

Rs. 24,630 cr.

Mobile publicity………
Shri. A K Jagannathan, Managing Director, flags off the publicity van to the rural areas of Kerala
13

2.9 ap≥K-W\m taJem hmbv]-Iƒ 2.9 |……l… ®…EÚi…… |……{i… I…‰j… =v……Æ˙ 2.9 Priority Sector lendings
tZiob \b-߃°pw {]Xo-£-Iƒ°pw
Æ˙…π]≈ı“™… x…“ i…™……Â, ∫……®…… V…EÚ =q‰˘∂™…… EÚ“ |…i™……∂…… The Bank continued to lay special emphasis
kmaq-ly-e-£y-ß-fpsS ^e-{]m-]vXn°pw on lending to the Priority Sector in
A\p-k-cn-®v, ap≥K-W\m hn`m-K-߃°p B¥…∆ {…⁄Ãi… E‰Ú +x…÷∞¸{… §…ÈEÚ x…‰ |……l… ®…EÚi…… |……{i… I…‰j…
conformity with the national policies,
hmbv ] \¬Ip- ∂ - X n¬ khn- t i- j - a mb EÚ…‰ =v……Æ˙ n‰˘x…‰ {…Æ˙  ¥…∂…‰π… §…±… n‰˘x…… V……Æ˙“ Æ˙J……*
Du∂¬ \¬Ip∂ ]Xnhv _m¶v XpS-cp-∂p. expectations and fulfilment of social
ap≥K-W\m taJ-ebv°p _m¶v \¬Inb §…ÈEÚ EÚ… |……l… ®…EÚi…… |……{i… I…‰j… EÚ…‰ ∫…EÚ±… + O…®… objectives. Bank’s gross advances to the
samØw hmbv] 2008 am¿®nse 12,025.11 ®……S…« 2008 EÚ“ ∫…®……Œ{i… {…Æ˙ Œ∫l…i… Ø˚. 12,025.11 Priority Sector increased from Rs.12,025.11
tImSn cq]-bn¬ \n∂v, \S-∏p-h¿jw 1,326.59
EÚÆ˙…‰c˜ ∫…‰, Ø˚. 1,326.59 EÚÆ˙…‰c˜ EÚ“ ¥…fi r˘ n˘V…« EÚÆ˙ crore as at the end of March 2008 to
tImSn cq] h¿≤n-®v, 2009 am¿®v Ah-km\w Rs.13,351.70 crore as at the end of March
13,351.70 tImSn cq]-bm-bpw, 2009 am¿®v ®……S…« 2009 EÚ“ ∫…®……Œ{i… {…Æ˙ Ø˚. 13,351.70 EÚÆ˙…‰c
2009, recording a growth of Rs.1,326.59
Ahkm\w ap≥K-W-\m-ta-J-e-Iƒ°p≈ i…EÚ {…Ω÷ƒ˛S… M…™……* ®……S…« 2009 EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ crore. As at March 2009, Priority Sector
hmbv ] - I ƒ (A¿lamb \nt£]߃
Dƒs∏sS) 40% F∂ ASn-ÿm\ am\-Z- |……l… ®…EÚi…… |……{i… I…‰j… + O…®… ({……j…  x…¥…‰∂…… ∫… Ω˛i…), advances [including eligible investments]
Wv U sØ adn- I - S - ∂ v , AUv P - Ã - U v s\‰v 40% +…v……Æ˙ EÚ“ i…÷±…x…… ®…Â,  x…¥…±… §…ÈEÚ @Òh… EÚ… constituted 46.43% of the Adjusted Net
_m¶v s{IUn-‰ns‚ 46.43% Bbpw h¿≤n-®p.
46.43% Æ˙Ω˛…* Bank Credit against the benchmark of 40%.
2.10 Irjn-°p≈ [\-k-lmbw 2.10 Agricultural Finance
kvs]jy¬ A{Kn-°ƒ®-d¬ s{IUn‰v πm≥ 2.10 EfiÚ π…  ¥…k…
e£y-an-´n-cp∂ 2800 tImSn cq]-bn¬ 2009 Bank has disbursed an amount of
§…ÈEÚ x…‰ Ø˚. 2800 EÚÆ˙…c‰ ˜ E‰Ú  ¥…∂…‰π… EfiÚ π… @Òh… ™……‰V…x…… Rs.2,452.07 crore under Special Agricultural
am¿®v Ah-km\w hsc 2452.07 tImSn cq]-
±…I™… E‰Ú  ¥…{…Æ˙“i… ®……S…« 2009 EÚ“ ∫…®……Œ{i… {…Æ˙ EfiÚ π…
bmWv Im¿jn-I-ta-J-ebv°p _m¶v hnX- Credit Plan target of Rs.2,800 crore.
cWw sNbvXX - v. F¶nepw ADWDRS 2008 \S-
J…∆b˜ E‰Ú +∆i…M…«i… Ø˚.2,452.07 EÚÆ˙…c‰ ˜ EÚ… ∫…∆ ¥…i…Æ˙h… However, there was a reduction from
∏n- e m- ° n- b - X n- s ‚bpw s]mXphmb March 2008 level under the Agriculture
 EÚ™……* B b˜“ b˜§±™…⁄ b˜“ +…Æ˙ B∫… 2008 EÚ…‰ ±……M…⁄ EÚÆ˙x…‰
amµyØns‚bpw A\-¥-c-^-e-am-bn, 2008
segment by Rs.722.64 crore due to the
am¿®v apX¬ Cu hn`m-KØ - n¬ 722.64 tImSn
+…ËÆ˙ <∫…E‰Ú ∫……l…-∫……l… ¥…Ë ∑…EÚ +…Ãl…EÚ ∫…∆EÚ]ı E‰Ú EÚ…Æ˙h… implementation of ADWDRS 2008
cq]-bpsS Ipdhv D≠m-bn-´p-≠v. 31.3.009-˛¬
Im¿jn-It- a-Je - b
<∫… J…∆b˜ E‰Ú +xi…M…«i… ®……S…« 2008 ∫i…Æ˙ ∫…‰ Ø˚. 722.64
- v°p≈ hmbv] (A¿l-X- coupled with a general slowdown. The level
EÚÆ˙…c‰ ˜ EÚ“  M…Æ˙…¥…]ı Ω÷˛<*« 31.03.2009 EÚ“ Œ∫l… i… E‰Ú
bp≈ \nt£- ] - ß ƒ Dƒs∏- s S) 2952.87 of lending to agriculture segment (including
tImSn cq]-bm-Wv. +x…÷∫……Æ˙ EfiÚ π… J…∆b˜ ({……j…  x…¥…‰∂…… ∫… Ω˛i…) EÚ…‰ =v……Æ˙ EÚ… eligible investments) stood at Rs. 2,952.87
\S∏p kmº- Ø nI h¿j- Ø n¬ 21849 crore as on 31.03.2009.
∫i…Æ˙ Ø˚. 2,952.87 EÚÆ˙…c‰ ˜ Æ˙Ω˛…*
Inkm≥ s{I-Un‰p Im¿Up-Ifpw (I¿j- During the current fiscal 21,849 Kisan
I¿°p {]h¿Ø\ aqe-[\w e`y-am-°p-∂- S……±…⁄  ¥…k…“™… ¥…π…« E‰Ú n˘…ËÆ˙…x… GÚ®…∂…& Ø˚.122.65 Credit Cards (working capital facility to
Xn-\v), 4186 Inkm≥ tKmƒUv Im¿Up-Ifpw
(I¿j-I¿°pff \nt£] hmbv]) hnX- EÚÆ˙…c‰ ˜ B¥…∆ Ø˚.128.42 EÚÆ˙…c‰ ˜ E‰Ú {… Æ˙¥™…™… E‰Ú ∫……l… farmers) and 4,186 Kisan Gold Cards
cWw sNbvXp. CXn\v bYm-{Iaw 122.65 tImSn 21,849  EÚ∫……x… G‰Ú b˜]ı EÚ…b¬˜∫…« ( EÚ∫……x…… EÚ“ EÚ…™…«∂…“±… (Investment credit to farmers) were issued
cq]bpw 128.42 tImSn cq]-bp-amWv hn\n-tbm- with an outlay of funds of Rs.122.65 crore
{…⁄Vƒ …“ ∫…÷ ¥…v……) B¥…∆ 4,186  EÚ∫……x… M……‰±b˜ EÚ…b¬˜∫…« ( EÚ∫……x……Â
Kn-®-Xv. and Rs.128.42 crore respectively.
ssat{Im s{IUn‰v/kzbw klmb EÚ…‰  x…¥…‰∂… @Òh…) V……Æ˙“  EÚB M…B*
kwL߃ (SHGs)/kwbp‡ Micro Credit / Self Help Groups
∫…⁄I®… @Òh…/∫¥…™…∆ ∫…Ω˛…™…i…… ∫…®…⁄Ω˛ (B∫… BS… V…“)/∫…∆™…÷HÚ [SHGs] / Joint Liability Groups [JLGs]
_m≤yXm kwL߃ (SLGs)
kzbw klmb kwL-ßf - psS cq]o-Ic - - n‰˘™…i…… ∫…®…⁄Ω˛ (V…‰ B±… V…“ B∫…)
- W Bank is committed to promote Self Help
Øn- e pw, ssat{Im ^n\m≥knwKv §…ÈEÚ ∫¥…™…∆ ∫…Ω˛…™…i…… ∫…®…⁄Ω˛ E‰Ú |…¥…i…«x… ∫…⁄I®…  ¥…k…“™… ∫…∆∫l……+…Â Groups [SHGs] and finance them through
C≥Ãn‰yqj\pIfpw (MFI) k¿°m¿ CXc Micro Financing Institutions [MFIs] and
ÿm]\ßfpw (NGO) aptJ\ Ahbv°p B¥…∆ M…ËÆ˙ ∫…Æ˙EÚ…Æ˙“ ∫…∆M…`ˆx……Â B¥…∆ =x…E‰Ú  ¥…k…{……‰π…h… E‰Ú |… i… Non-Governmental Organisations
kmº- Ø nI klmbw \¬Ip- ∂ - X nepw |… i…§…r˘ Ω˲* Ø˚.452.41 EÚÆ˙…c‰ ˜ E‰Ú {… Æ˙¥™…™… E‰Ú ∫……l…
[NGOs]. 73,600 SHGs have been assisted
_m¶v {]Xn-⁄m-_≤ - a
- m-Wv. CXp-hsc 452.41
tImSn cq]-bpsS kmº-Øn-Ik - mbw 73600 +§… i…EÚ 73,600 ∫…®…⁄Ω˛…Â EÚ“ ∫…Ω˛…™…i…… EÚ“ M…<«* ¥…π…« E‰Ú
- l so far with a financial outlay of Rs.452.41
kzbw klmb {Kq∏p-Iƒ°mbn \¬In-bn- n˘…ÆË ˙…x… §…ÈEÚ x…‰ M…Æ˙“§…“ Ɖ˙J…… E‰Ú x…“S…‰ V…“¥…x… ™……{…x… EÚÆ˙ crore. Bank financed about 37,000 families
´p-≠v. kzbw klmbkwL߃/Zmcn{Zy with an outlay of funds of Rs.51.53 crore
tcJbv°v Xmsgbpff Ab¬kwL߃ Æ˙Ω˛‰ ∫¥…™…∆ ∫…Ω˛…™…i…… ∫…®…⁄Ω˛… / {…c˜…∫‰ …“ ∫…®…⁄Ω˛… E‰Ú ∫…n˘∫™…… EÚ…‰ under Bhavanasree scheme for constructing
F∂nh¿°v `h\\n¿ΩmWØn\pff M…fiΩ˛- x…®……«h… Ω‰˛i…÷ ¶…¥…x…∏…“ ™……‰V…x…… E‰Ú +xi…M…«i… Ø˚.51.53 houses to members of Self Help Groups /
`h\{io ]≤Xnbn≥Iogn¬ 37000
EÚÆ˙…‰c˜ E‰Ú {… Æ˙¥™…™… E‰Ú ∫……l… 37,000 {… Æ˙¥……Æ˙…Â EÚ… Neighbourhood Groups living below
IpSpw_߃°mbn 51.53 tImSn cq]bpsS
[\klmbw \¬In.  ¥…k…{……‰π…h…  EÚ™……* poverty line.
14

{KmaoW kzbw sXmgn¬ ]cnioe\ O……®…“h… ∫¥…Æ˙…V‰ …M……Æ˙ |… ∂…I…h… ∫…∆∫l……x… (+…Æ˙ B∫… < ]ı“ Rural Self-employment Training Institute
tI{µw (RSETI) +…<) (RSETI)
I¿j-Ik - a
- q-lØ
- n\pw {Kmao-WP - \ - X
- bv°pw
 EÚ∫……x… ∫…®…÷n˘…™… +…ËÆ˙ O……®…“h… V…x…i…… EÚ…‰ |… ∂…I…h… n‰˘x…‰ Realising the importance of training to
]cn-io-e\w \¬tI-≠X - ns‚ {]m[m\yw a\- farmer community and the rural masses, in
 n-em-°n-s°m-≠v, hb-\mSp Pn√n-bnep≈ E‰Ú ®…Ω˛i¥… EÚ…‰ {…Ω˛S……x…i…‰ Ω÷˛B ¥……™…x……b˜  V…±…… ®… Œ∫l…i…
addition to the SBT RSETI (Rural Self-
SBT RSETI {KmaoW kzbw sXmgn¬ ""B∫… §…“ ]ı“ +…Æ˙ B∫… <« ]ı“ +…<« O……®…“h… ∫¥… x…™……‰V…x…
]cnioe\ tI{µØn\p ]pd-ta, ]Ø-\w-Xn- Employment Training Institute) at
´, Be-∏p-g, tIm´bw Pn√-I-fn¬ AØ-c-
|… ∂…I…h… ∫…∆∫l…… E‰Ú + i… Æ˙HÚ, §…ÈEÚ x…‰ {…k…x…∆ i…]¬ı]ı…, Wayanad, the Bank has initiated steps to
Øn-ep≈ aq∂p ÿm]-\ß - ƒ IqSn Bcw- +…±…{{…÷π…… B¥…∆ EÚ…‰]ı¬]ı™…®…  W…±…… ®… B‰∫…‰ +…ËÆ˙ i…“x… ∫…∆∫l……x… set up three more such institutes in the
`n- ° m≥ _m¶v \S- ] - S n- s b- S p- Ø n- ´ p- ≠ v . ∫l…… {…i… EÚÆ˙x…‰ Ω‰˛i…÷ {…Ω±… EÚ“ Ω˲* EÚ±…{…‰]ı¬]ı… ®… Œ∫l…i… districts of Pathanamthitta, Alappuzha and
hb\m´nepff \ΩpsS ÿm]\w CXp-hs - c
Ω˛®……Ɖ˙ ∫…∆∫l……x… x…‰ 5,152 ±……¶…O…… Ω˛™…… EÚ…‰ ∫…Œ®®… ±…i… Kottayam. Our institute at Wayanad
5,152 KpW-t`m-‡m-°sf Dƒs∏-Sp-Øn 187 ]cn-
io-e\ ]cn-]m-Sn-Iƒ \S-Øp-Ib - p-≠m-bn. EÚÆ˙i…‰ Ω÷˛B +§… i…EÚ 187 |… ∂…I…h… EÚ…™…«GÚ®…… EÚ… +…™……‰V…x… conducted 187 training programmes so far
covering 5,152 beneficiaries.
^m¿tagvkv ¢∫v  EÚ™……*
{Kma-ß-fn-tebpw A¿≤-\-K-c-ß-fn-tebpw EfiÚπ…√EÚ C±…§… Farmers’ Clubs
I¿j-Ic - p-am-bp≈ _m¶ns‚ _‘w sa®-
To augment the linkage of farmers in rural
s∏-Sp-Øp-I-sb∂ e£y-tØmsS ]pXnb Ω˛®……Ɖ˙ §…ÈEÚ E‰Ú ∫……l… O……®…“h… B¥…∆ +r«˘-∂…Ω˛Æ˙“ I…‰j…… E‰Ú
^m¿tagvkv ¢∫p-Iƒ Bcw-`n-°p-∂-Xn\pw and semi urban areas with our Bank, 325
 EÚ∫……x…… EÚ“ ∫…Ω˛±…Mx…i…… EÚ…‰ ∫…∆¥…Ãv…i… EÚÆ˙x…‰,  ¥… ¶…z… potential branches have been identified
\ne-hn-ep-≈h {]h¿Ø-\£ - a- a
- m-°p-∂X
- n-\p-
ap-t±-in®v hnhn[ taJ-e-I-fn¬ 325 imJ- +∆S…±…… ∫…‰ ±…M…¶…M… 325 ∫…∆¶……¥™… ∂……J……+… EÚ“ {…Ω˛S……x… from various zones to start new or activate
Isf sXc-s™-Sp-Øn-´p-≠v. EÚ“ M…<«  V…∫…∫…‰ x…B  EÚ∫……x… C±…§…… EÚ…‰ +…Æ˙®¶…  EÚ™…… existing Farmers’ Clubs.
Im¿jnI EW \nhmcW EW V…… ∫…E‰Ú +l…¥……  ¥…t®……x…  EÚ∫……x… C±…§……Â EÚ…‰ ∫… GÚ™… Agricultural Debt Waiver and Debt
Bizmk ]≤Xn  EÚ™…… V…… ∫…E‰Ú* Relief Scheme (ADWDRS)
C¥ym Kh¨sa‚ v {]Jym-]n® Im¿jnI
EW- \n-hm-cW - - EW- Bizmk ]-≤Xn 2008 EfiÚ π… @Òh… ®……°Ú“ B¥…∆ @Òh… Æ˙…Ω˛i… ™……‰V…x…… The Agricultural Debt Waiver and Debt
(Agriculture Debt Waiver and Debt Relief Scheme Ω˛®……Ɖ˙ §…ÈEÚ ®… ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ u˘…Æ˙… P……‰ π…i… "EfiÚ π… @Òh… Relief Scheme-2008 announced by GOI has
2008) \ΩpsS _m¶n¬ ]q¿Æambpw \S-∏n- been fully implemented in our Bank. An
em- ° n- ° - g n- ™ p. 1.18 e£w sNdp- I n- S - ˛ - ®……°Ú“ B¥…∆ @Òh… Æ˙…Ω˛i… ™……‰V…x…… - 2008' EÚ…‰ {…⁄h…« ∞¸{…
amount of Rs.324.22 crore has been given
CSØc-I¿jI¿°v 324.22 tImSn cq]bpsS ∫…‰ ±……M…⁄  EÚ™…… M…™……* 1.18 ±……J… ±…P…÷ B¥…∆ ∫…“®……∆i…
as debt waiver benefiting 1.18 lac small and
Im¿jnI ISmizmk B\pIqeyw \¬In.  EÚ∫……x…… EÚ…‰ ±……¶… {…Ω÷˛ƒS……i…‰ Ω÷˛B @Òh… ®……°Ú“ E‰Ú ∞¸{… ®…Â
IqSmsX 0.06 e£w a‰p I¿j-I¿°pw 19.96 marginal farmers and Rs.19.96 crore as debt
tImSn cq]bpsS ISmizmk B\pIqeyw Ø˚. 324.22 EÚÆ˙…‰c˜ EÚ“ Æ˙… ∂… n˘“ M…<« +…ËÆ˙ 0.06 relief benefiting 0.06 lac other farmers.
\¬IpIbp≠mbn. ±……J… +x™…  EÚ∫……x…… EÚ…‰ ±……¶… {…Ω÷˛ƒS……i…‰ Ω÷˛B Ø˚. 19.96
Warehouse Receipt Financing
shb¿lukv sdko]v‰v EÚÆ˙…c‰ ˜ @Òh… Æ˙…Ω˛i… E‰Ú ∞¸{… ®…  n˘™…… M…™……*
ss^\m≥knwKv A scheme for financing against the pledge
M……‰n˘…®… Æ˙∫…“n˘  ¥…k…“™…x… of warehouse receipts issued by NBHC to
NHBCbpsS kw`cWimebn¬ Im¿jnI
Dev ] ∂߃ kq£n°p∂ I¿jI¿, Bx… §…“ BS… ∫…“ u˘…Æ˙… V……Æ˙“ M……‰n˘…®… Æ˙∫…“n˘… EÚ…‰  M…Æ˙¥…“ individual farmers, traders, commission
hym]mcnIƒ, IΩoj≥ GP‚pIƒ, Iq´p Æ˙J…x…‰ E‰Ú |… i…  ¥…k…{……‰π…h… EÚ“ BEÚ ™……‰V…x……, ¥™… HÚM…i… agents, partnership firms, proprietorship
_nkn\ v ÿm]\߃, DSaÿmhImi concerns and corporates who have stored
ap≈ ÿm]\߃, kwbp‡
EfiÚπ…EÚ…Â, ¥™……{…… Æ˙™……Â, EÚ®…“∂…x… BV…‰]ı…, ∫……Z…‰n˘…Æ˙“ °Ú®……Á,
their agricultural commodities in the
ÿm]\߃ F∂nh¿°v NHBC Cjyp ∫…®§…xv…“ ∫¥…i¥……v…… Æ˙ı™…… B¥…∆ EÚ…Æ˙{……‰Æ˙‰]ı E‰Ú  ±…B Ω˲  V…xΩ˛…x …‰
warehouses of NBHC, has been introduced
sNøp∂ shb¿lukv ckoXns‚ ¥…π…« E‰Ú n˘…ÆË ˙…x… Bx… §…“ BS… ∫…“ E‰Ú M……‰n˘…®……Â ®…Â +{…x…‰ EfiÚ π…
]WbØn¬ ta¬ [\klmbw during the year.
\¬Im\p≈ ]≤Xn Bcw`n®p. {…h™…… ®… ∫…∆O… Ω˛i…  EÚ™…… Ω˲*
2.11 Lending to Small & Medium
2.11 sNdp-InS˛C-S-Øcw kwcw-`- 2.11 ±…P…÷ B¥…∆ ®…v™…®… =t®……Â EÚ…‰ @Òh… (B∫… B®… <« B∫…) Enterprises [SMEs]
߃°p≈ hmbv]I - ƒ (SMEs)
§…ÈEÚ x…‰ B∫… B®… <« + O…®……Â E‰Ú +xi…M…«i… Ø˚. 1,035 Bank has recorded a growth of Rs.1,035
_m¶v sNdpInS˛CSØcw kwcw`߃
EÚÆ˙…c‰ ˜ EÚ“ ¥…fi r˘ n˘V…« EÚ“ i…l…… 31 ®……S…« 2009 EÚ…‰ Ø˚˙. crore under SME advances which stood at
°pff hmbv]Ifn¬ 1,035 tImSn cq] hf¿® st
tcJs∏SpØns°m≠v 2009 am¿®v 31 \v 5,373.04 EÚÆ˙…c‰ ˜ Ω˛…‰ M…™……* ±…P…÷ =t…‰M… B¥…∆ ±…P…÷ EÚ…Æ˙§……Æ˙ 5,373.04 crore as on 31 March 2009. The
5,373.04 tImSn cq]bnseØn. Small Scale Industries and Small Business
J…hb˜,  V…∫…®…Â ∫…⁄I®… B¥…∆ ±…P…÷ =t®… ( ¥… x…®……«h… B¥…∆
eLp- ˛ - s N- d p- I nS hyh- k m- b - ß ƒ°p≈ segments, which include Micro and Small
hmbv]m-hn-Xc - W - Ø- n-se anI-hn-\p≈ 2007-˛08-
∫…‰¥……B∆) B¥…∆ ±…P…÷ ¥™……{……Æ˙ ∂…… ®…±… Ω˲, x…‰ ¥…π…« E‰Ú n˘…ÆË ˙…x… Enterprises (Manufacturing and Services)
˛se {]tXyI Ahm¿Uv _m¶n\p e`n-®p. Ø˚. 140 EÚÆ˙…c‰ ˜ EÚ“ ¥…fi r˘ n˘V…« EÚ“ +…ËÆ˙ 31 ®……S…« and Small Trade, recorded a growth of
15

eLp- ˛ - s N- d p- I n- S ˛CS- Ø cw hyh- k m- b - 2009 EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ Ø˚. 3,478.08 EÚÆ˙…c‰ ˜ Rs.140 crore during the year and stood at
st
߃°p≈ a{¥m- e bw G¿s∏- S p- Ø n- b -
Ω˛…‰ M…<«* B∫… B∫… +…<« J…hb˜ E‰Ú +xi…M…«i… =v……Æ˙ EÚ… Rs.3,478.08 crore as on 31 March 2009.
XmWv Cu Ahm¿Uv. 2006-˛07-˛epw _m¶v Cu The level of lending under SSI segment was
AwKo-Imcw t\Sp-I-bp-≠mbn. ∫i…Æ Ø˚.1,323.00 EÚÆ˙…c‰ ˜ B¥…∆ B∫… §…“ B°Ú E‰Ú +xi…M…«i…
Rs.1,323.00 crore and under SBF,
ssat{Im, sNdp-In-S-kw-cw-`-߃ (D-ev]m-Z- Ø˚.2,155.08 EÚÆ˙…‰c˜ Æ˙Ω˛…* Rs.2,155.08 crore.
\hpw tkh-\h - pw) Dƒs∏-sS-bp≈ sNdp-InS §…ÈEÚ EÚ…‰ ¥…π…« 2007-08 Ω‰˛i…÷ ∫…⁄I®… B¥…∆ ±…P…÷ =t®…… The Bank was conferred the Special Award
hyh-km-bßfpw sNdp-InS hmWn-Py-hn-`m-K-
ßfpw \S-∏p-h¿jw 140 tImSn cq]-bpsS EÚ…‰ =v……Æ˙ E‰Ú  ±…B "∫{…‰∂…±… +¥……b«˜ °Ú…Æ˙ BC∫…“±…Â∫…' for Excellence in Lending to Micro and Small
hf¿® tcJ-s∏-Sp-Øn, 2009 am¿®v 31-˛\v 3478.08 {…÷Æ˙∫EÚ…Æ˙ ∫…‰ ∫…®®…… x…i…  EÚ™…… M…™……* ™…Ω˛ {…÷Æ˙∫EÚ…Æ˙ ∫…⁄I®…, Enterprises for the year 2007-08. The
tImSn cq]-bn¬ FØn-\n¬°p-∂p. sNdp- ±…P…÷ B¥…∆ ®…v™…®… =t®… ®…∆j……±…™… u˘…Æ˙… ∫…∆∫l…… {…i… Ω˲* Award is instituted by the Ministry of Micro,
InS hyh-kmb taJ-e-bnse (SSI) hmbv] Small and Medium Enterprises. The Bank
§…ÈEÚ EÚ…‰ ™…Ω˛ ∫…®®……x… ¥…π…« 2006-07 E‰Ú  ±…B ¶…“
1,323 tImSn cq]bpw sNdp-InS hmWnPy hn`m- had won this recognition for the year 2006-
K-Ønse (SBF) hmbv] 2,155.08 tImSn cq]-  ®…±…… l……* 07 also.
bp-am-Wv. ¥…π…« 2008-09 E‰Ú n˘…ÆË ˙…x… EÚ<« J…hb˜…Â ®…Â  ¥…∂…‰π…EÚÆ˙ The year 2008-09 witnessed a slowdown
2008-˛09 h¿j-Øn¬ ]e hn`m-K-ß-fn-epw,
 ¥… x…®……«h… B¥…∆ ∫…‰¥……Bƒ V…Ë∫…‰ Æ˙…W‰ …M……Æ˙ =x®…÷J… I…‰j…… ®… in many segments, especially the
hnin- j y, Dev ] m- Z - \ hpw tkh- \ - h p- a mbn
®…∆n˘“ n‰˘J…x…‰ EÚ…‰  ®…±…“*  ¥…n‰˘∂…… ®… ®……ƒM… ®…  M…Æ˙…¥…]ı E‰Ú employment-oriented sectors like
_‘-s∏´ sXmgn-e-[n-jvTnX taJ-e-I-fn¬,
amµyw A\p- ` - h - s ∏- ´ p. hntZi- s Ø EÚ…Æ˙h… EÚ™…Æ˙ =t…‰M… V…Ë∫…“ M… i… ¥… v…™……ƒ |…¶…… ¥…i… Ω÷˛<*« manufacturing and services. The fall in
D]t`mKØnep≠mb Ipdhv Ib¿ hyh-km- demand abroad affected activities like coir
{…™…«]ıx… n⁄˘∫…Æ˙… I…‰j… Ω˲ V……‰  ¥…∑… ®…∆n˘“ E‰Ú S…±…i…‰ |… i…E⁄Ú±…
b-sØbpw a‰pw {]Xn-Iq-e-ambn _m[n-®p. industry. Tourism is another area which was
BtKmf kmº-Øn-Ia - mµyw {]Xn-Ip-ea - mbn ∞¸{… ∫…‰ |…¶…… ¥…i… Ω÷˛+…* §…ÈEÚ x…‰ <x… |…¶…… ¥…i… <EÚ…<«™…… adversely affected by the global downturn.
_m[n® as‰mcp taJ- e - b mWp Sqdn- k w. EÚ…‰ ∫…Ω˛™……‰M… n‰˘x…‰ E‰Ú  ±…B  x…®x… ±… J…i…  ¥… ¶…z… Æ˙…Ω˛i… The Bank has taken various relief measures
_‘- s ∏´ bqWn- ‰ p- I sf klm- b n- ° m≥ ={……™…  EÚB* to assist these affected units like:
_m¶v Xmsg ]d-bp∂ \S-]S- n-Iƒ ssIs°m-
≠n-´p-≠v. EÚ)  ¥…t®……x… EÚ…™…«∂…“±… {…⁄Vƒ …“M…i… ∫…÷ ¥…v……+…Â EÚ… 20% a) Additional working capital limits upto
i…EÚ + i… Æ˙HÚ EÚ…™…«∂…“±… {…⁄Vƒ …“M…i… ∫…“®……Bƒ* 20% of the existing working capital facilities.
( a) \ne- h n- e p≈ {]h¿Ø\ aqe- [ - \ -
hmbv]°p-]p-dta 20% A[nI {]h¿Ø\ b) New Term Loan facility at reduced rate
J…) V…‰x…Ɖ˙]ıÆ˙ ∫…‰]ı… B¥…∆ ™…∆j… / ={…EÚÆ˙h… / +x™… Œ∫l…Æ˙
aqe--[\hmbv] of interest for purchase of generator sets
+…Œ∫i…™…… EÚ“ J…Æ˙“n˘ E‰Ú  ±…B ¶…“ P…]ı…B §™……V… n˘Æ˙ {…Æ˙ and also machinery / tools / other fixed
(b) P\-td-‰¿ sk‰p-Iƒ b{¥-߃ / D]-Ic - -
W-߃, a‰p ÿncw BkvXn-Iƒ F∂n-h x…™…“ ®…“™……n˘“ @Òh… EÚ“ ∫…÷ ¥…v……* assets.
hmßp- ∂ - X n\v Ipd™ ]en- i - \ n- c - ° n¬ M…) S…±…  x… v… ∫…∆EÚ]ı ∫…‰ V…⁄Z… Æ˙Ω˛“ <EÚ…<™…… EÚ…‰ =∫…∫…‰ c) Restructuring exercise has been
]pXnb Zo¿L Ime hmbv]m kuI-cyw. undertaken to assist the units to overcome
 x…{…]ıx…‰ ®… ∫…Ω˛™……‰M… n‰˘x…‰ E‰Ú  ±…B Æ˙“∫]≈ıCS…ÀÆ˙M… EÚ∫…Æ˙i…
( c) ]W-e-`y-X-bpsS {]Xn-k‘n XcWw the liquidity crisis faced.
sNøp-∂-Xn\v bqWn-‰p-Isf klm-bn-°p-
∂…÷Ø˚ EÚÆ˙ n˘“˘ M…<«*
d) MSME Care Centres have been opened
∂Xn\p≈ ]p\x-kw-LS- \m ]≤-Xn-Iƒ. P…) <x… <EÚ…<™…… EÚ…‰ ∫…Ω˛™……‰M… n‰˘x…‰ E‰Ú  ±…B ∫…¶…“
at all Zonal Offices and Regional Offices at
(d) bqWn-‰p-Isf klm-bn-°p-∂X - n\v F√m +…ƒS… ±…EÚ EÚ…™……«±…™…… B¥…∆ ®…÷®§…<« ¥…  n˘±±…“ Œ∫l…i…
tkmW¬ Hm^okp-If - nepw, apwss_bnepw Mumbai and Delhi for rendering support
I…‰j…“™… EÚ…™……«±…™……Â ®…Â B®… B∫… B®… <« E‰Ú™…Æ˙ ∫…‰h]ıÆ˙ to units.
U¬lnbnepapff doPnbW¬ Hm^okp
Ifnepw ]pXpXmbn XpSßnb MSME sIb¿ J……‰±…‰ M…B* The Bank’s Technical Consultancy Cell
sk‚-dp-Iƒ. ¥…π…« E‰Ú n˘…ËÆ˙…x…, §…ÈEÚ E‰Ú i…EÚx…“EÚ“ {…Æ˙…®…∂…« EÚI… x…‰ carried out 15 project appraisals,
_m¶ns‚ sSIv \ n- ° ¬ I¨kƒ´≥kn 15 {… Æ˙™……‰V…x…… ®…⁄±™……∆EÚx…, {…÷x…¥……«∫… +v™…™…x… B¥…∆ =t…‰M… rehabilitation studies and industry specific
sk¬ \S-∏p-h¿jw 15 t{]mPIvSv aqey-\n¿Æ- studies during the year. 11 Entrepreneurship
bhpw ]p\-c-[n-hmk ]T-\hpw hyh-kmb  ¥… ∂…π]ı +v™…™…x…  EÚB * ¥…π…« E‰Ú n˘…ÆË ˙…x…, §…ÈEÚ u˘…Æ˙…
Development Programmes (EDPs) were
khn- t i- j Xm ]T- \ - ß fpw \S- Ø p- I - 11 =t®…¥…fi i…  ¥…EÚ…∫… EÚ…™…«GÚ®…… (<« b˜“ {…“) EÚ… +…™……‰V…x…
conducted by the Bank during the year, of
bp≠mbn. \S-∏p-h¿jw _m¶v kwL-Sn-∏n®  EÚ™…… M…™……  V…∫…®… ∫…‰ BEÚ  ¥…∂…‰π…EÚÆ˙ ®… Ω˛±…… =t ®…™……Â
11 hyh-kmb kwcw-`I hnI-k\ ]cn-]m-Sn- which one was exclusively for women
I-fn¬ (EDPs) H∂v h\nXm hyh-km-bk - w- E‰Ú  ±…B l……* <x… EÚ…™…«GÚ®…… ®… 924 |… i…¶…… M…™……‰∆ x…‰ entrepreneurs. 924 participants attended
cw-`I- sc am{Xw Dt±-in-®p-≈X - m-bn-cp-∂p. Cu ¶……M…  ±…™……* these programmes.
]cn]mSnIfn¬ 924 t]¿ ]s¶SpØp.
∫…“ V…“ ]ı“ B®… B∫… <« (∫…⁄I®… B¥…∆ ±…P…÷ =t ®…™…… Ω‰˛i…÷ CGTMSE (Credit Guarantee Trust
CGTMSE
Fund for Micro and Small
CGTMSE ]≤-Xn-{]-Imcw CuSp-ap‡ hmbv]m- G‰Ú b˜]ı M……Æ∆˙]ı“ ]≈ı∫]ı °Úhb˜) Enterprises)
hn-Xc
- W ÿm]-\Ø - nse AwK-amWp _m¶v.
Db¿∂ ]cn[n 100 e£Ønte°v h¿≤n°p-
§…ÈEÚ, ∫…“ V…“ ]ı“ B®… B∫… <« ∫…∆{……Ã∂¥…EÚ ®…÷HÚ @Òh… The Bank is a Member Lending Institution
I-bpw, h\nXm kwcw-`ß - ƒ°p≈ Kmc‚n ={…±…§v… EÚÆ˙x…‰ Ω‰˛i…÷ ∫…“ V…“ ]ı“ B®… B∫… <« ™……‰V…x…… E‰Ú under the CGTMSE scheme for providing
80 iX-am-\a
- mbn Db¿Øp-Ibpw sNbvXt- Xm- +xi…M…«i… BEÚ ∫…n˘∫™… @Òh…n˘…j…“ ∫…∆∫l…… Ω˲* collateral free loans. With the revision in
16

sS, CuSp-th-Wa - ∂p \n¿_-‘n-°msX SME >{…Æ˙“ =SS…i…®… ∫…“®…… ®…Â Ø˚. 100 ±……J… ∫…∆∂……‰v…x… Ω˛…x‰ …‰ upper ceiling to Rs.100 lac and the increase
LS- I - ß ƒ°v Db¿∂ hmbv ] m ]cn[n +…ËÆ˙ ®… Ω˛±…… u˘…Æ˙… |…¥…Ãi…i… <EÚ…<™…… EÚ…‰  ¥…∫i…… Æ˙i… in guarantee cover to 80% for limits
_m[-I-am-°m≥ \Ωƒ km[n-®p. Cu ]≤- ∫…“®……+… Ω‰˛i…÷ 80% M……Æ∆˙]ı“ EÚ¥…Æ˙ §…g¯…x…‰ E‰Ú EÚ…Æ˙h… Ω˛®… extended to units promoted by women,
Xn- { ]- I mcw CXp- h sc 73.35 tImSn cq]- we were able to extend higher credit limits
B∫… B®… <« P…]ıEÚ…Â EÚ…‰ ∫…∆{……Ã∂¥…EÚ E‰Ú  ±…B +…O…Ω˛ x…
bv°p≈ 3,951 hmbv]-Iƒ \Ωƒ \¬In-
EÚÆ˙i…‰ Ω÷˛B =SS…i…Æ˙ @Òh… ∫…“®……+… EÚ…  ¥…∫i……Æ˙ EÚÆ˙ without insisting on collateral to SME
I-gn-™p. {]kvXpX ]≤-Xn-bn¬s∏-Sp∂
{……™…‰* Ω˛®…x…‰ +§… i…EÚ <∫… ™……‰V…x…… E‰Ú +xi…M…«i… Ø˚.73.35 constituents. So far we have covered 3,951
A°u-≠p-I-fpsS FÆsØ kw_-‘n-®n-
S-tØm-fw, AwK-ß-fmb hmbv]m-hn-X-c-W- EÚÆ˙…c‰ ˜ Æ˙… ∂… E‰Ú 3,951 @Òh… EÚ¥…Æ˙  EÚ™…… Ω˲* §…ÈEÚ loans amounting to Rs.73.35 crore under
ÿm-]-\-ß-fn¬ Bdma-XmWp _m¶ns‚ <∫… ™……‰V…x…… E‰Ú +xi…M…«i… ∫…Œ®®… ±…i… J……i…… EÚ“ ∫…∆J™…… the scheme. The Bank is sixth among all
ÿm\w. E‰Ú ∫…∆§…∆v… ®… ∫…¶…“ ∫…n˘∫™… @Òh…n˘…j…“ ∫…∆∫l……x…… ®… UÙ`ˆ¥… Member Lending Institutions in the number
2.12 hnZym`ymk hmbv]Iƒ of accounts covered under the scheme.
∫l……x… {…Æ˙ Ω˲*
ap≥ h¿j-sØ-t∏mse tIcf kwÿm-\Øv 2.12 Education Loans
hnZym- ` ymk hmbv ] - I - f psS FÆ- Ø n¬ 2.12  ∂…I…… @Òh…
As in the previous year, the Bank has granted
G‰hpw IqSp-X¬ A\p-h-Zn-®Xv \ΩpsS M…i… ¥…π…« E‰Ú +x…÷∫……Æ˙, §…ÈEÚ x…‰ E‰ÚÆ˙±… Æ˙…V™… ®…Â + v…EÚi…®…
_m¶m-Wv. SLBC IW-°p-Iƒ {]Imcw tIc- the maximum number of education loans in
∫…∆J™…… ®…  ∂…I…… @Òh… |…n˘…x…  EÚB ΩÈ˛* §…ÈEÚ x…‰ E‰ÚÆ˙±… ®…Â
f-Øn¬ samØw A\p-hZ- n® hmbv]I - f- psS the State of Kerala. The Bank extended
E÷Ú±… ∫…∆J™…… EÚ… ±…M…¶…M… 35% @Òh… ®…∆V…⁄Æ˙  EÚB ΩÈ˛* approximately 35% of the total number of
GI-tZiw 35% _m¶v A\p-hZ- n-®p. dnt∏m¿´p
h¿jw _m¶v 15,563 hmbv]I - f
- n-embn 444.29
∫…®…“I……v…“x… ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈEÚ x…‰  ¥… ¥…v… {……`ˆ™…GÚ®… the loans sanctioned in Kerala. During the
tImSn cq] A¿l-Xs - ∏´ hnZym¿∞n-Iƒ°v E‰Ú ∫…÷{……j…  ¥…t…Ãl…™……Â EÚ…‰ Ø˚. 444.29 EÚÆ˙…‰c˜ EÚ“ year under report, Bank sanctioned 15,563
hnhn[ tImgvkp-Iƒ°mbn hmbv] \¬Ip- Æ˙… ∂… E‰Ú 15,563 @Òh… ®…∆V…⁄Æ˙  EÚB ΩÈ˛* M…i… ¥…π…« Ø˚. loans amounting to Rs.444.29 crore for various
I-bp-≠m-bn. Cu hn`m-K-Øn¬ samØw 1,051.55 EÚÆ˙…c‰ ˜ EÚ“ i…÷±÷ …x…… ®…Â E÷Ú±… §…EÚ…™…… Æ˙… ∂… courses to deserving students. The total
\n¬∏p≈ XpI \S-∏p-h¿jw GI-tZiw 29% ®… ±…M…¶…M… 29% EÚ“ ¥…fi r˘ Ω˛…E‰ ÚÆ˙ ™…Ω˛ Ø˚.1,353.64 amount outstanding increased by almost 29%
h¿≤-\t- bmsS ap≥h¿jsØ 1,051.55 tImSn EÚÆ˙…c‰ ˜ Ω˛…‰ M…B* to Rs.1,353.64 crore from Rs.1,051.55 crore
cq]-bn¬ \n∂pw Db¿∂v 1,353.64 tImSn cq]-
bn¬ FØn \n¬°p-∂p. 2.13 +x…÷∫…⁄ S…i… V…… i… / +x…÷∫…⁄ S…i… V…x…V…… i… / last year.
2.13 ]´n-I-PmXn˛]-´n-I-h¿§-˛-\yq-\-]- +±{… ∫…∆J™…EÚ ∫…®…÷n˘…™… (B®… ∫…“) 2.13 Assistance to SC/ST/Minority
£-߃°p≈ [\-k-lmbw §…ÈEÚ x…‰ +x…÷∫…⁄ S…i… V…… i… / +x…÷∫…⁄ S…i… V…x… V…… i… / Community (MC)
]´n- I - P m- X n, ]´n- I - h ¿§, \yq\- ] - £ - +±{… ∫…∆J™…EÚ ∫…®…÷n˘…™… E‰Ú =v……Æ˙EÚi……«+… EÚ“ @Òh… The Bank continues to give due importance
hn`mK߃°p≈ hmbv ] m Bh- i y- ß - to extending financial assistance to meet
+…¥…∂™…EÚi……+… EÚ“ {…⁄Ãi… E‰Ú  ±…B  ¥…k…“™… ∫…Ω˛…™…i……
ƒ°mbn kmº-Øn-I-k-lmbw \¬Ip-∂-
|…n˘…x… EÚÆ˙x…‰ EÚ…‰ = S…i… ®…Ω˛i¥… n‰˘x…… V……Æ˙“ Æ˙J…… Ω˲* the credit requirements of the SC/ST/MC
Xn¬ _m¶v A\pkyqXw A¿l- a mb
|……l… ®…EÚi…… |……{i… I…‰j… E‰Ú i…Ω˛i… +x…÷∫…⁄ S…i… V…… i… / borrowers. The advance to SC and ST
{]m[m\yw \¬Inhcp-∂p. ]´n-IP - mXn/]´n-I-
h¿§ hn`m-K-߃°p ap≥K-W\m taJ-e- +x…÷∫…⁄ S…i… V…x…V…… i… E‰Ú =v……Æ˙EÚi……«+… EÚ…‰ E÷Ú±… Ø˚. borrowers under priority sector aggregated
bn¬ 1,120 tImSn cq]bpw \yq\-]£ hn`m- 1,120 EÚÆ˙…‰c˜ i…l…… +±{… ∫…∆J™…EÚ ∫…®…÷n˘…™… EÚ…‰ Ø˚. Rs.1,120 crore and Rs.2,318 crore for MC.
K-߃°v 2,318 tImSn cq]-bp-amWp hmbv] 2,318 EÚÆ˙…‰c˜ EÚ… + O…®…  n˘™…… M…™……* ™…Ω˛ §…ÈEÚ E‰Ú This works out to 8.48% of the Bank’s
\¬In-bX - v. CXv, ]´n-IP - mXn / ]´n-Ih- ¿§-
|……l… ®…EÚi…… |……{i… I…‰j… + O…®… EÚ… +V…… / +V…V…… priority sector advances for SC/ST and
Øn\v ap≥K-W\m taJ-e-bn-ep≈ hmbv]- 17.55% for MC. In the previous year this
bpsS 8.48 iX-am-\-hpw, \y\-]£ hn`m-K-
E‰Ú ∫…∆§…∆v… ®… 8.48% +…ËÆ˙ + ∫… ∫…∆§…∆v… ®… 17.55%
was 8.43% for SC/ST and 17.39% for MC
Øn\p 17.55 iX-am-\h - p-am-W.v Ign™ h¿jw Ω˲*  {…UÙ±…‰ ¥…π…«, ™…Ω˛ §…ÈEÚ E‰Ú |……l… ®…EÚi…… |……{i… I…‰j…
of the Bank’s priority sector lending. The
CXv, ]´n-IP - mXn / ]´n-Ih - ¿§-Øn\v 8.43%hpw =v……Æ˙ EÚ… +V…… / +V…V…… E‰Ú ∫…∆§…∆v… ®… 8.43% i…l……
non-performing asset position in respect of
\yq\-]£ hn`m-KØ - n\v 17.39%hpw Bbn-cp- + ∫… E‰Ú ∫…∆§…∆v… ®… 17.39% l……* |……l… ®…EÚi…… |……{i…
∂p. ap≥KW\m hmbv]Ifn¬ ]´n-IP - mXn/ SC/ST borrowers under Priority Sector
I…‰j… E‰Ú +∆i…M…«i… B∫… ∫…“ / B∫… ]ı“, =v……Æ˙EÚi……«+…Â E‰Ú
]´nI h¿§-Øn\v sImSpØ hmbv]Ifn¬ stood at 3% of the outstanding.
∫…∆§…∆v… ®… +x…V…«EÚ {… Æ˙∫…∆{… k…™…… EÚ“ Œ∫l… i… EÚ… §…EÚ…™……
\njv{Inb BkvXn 3% BWv. 2.14 Commercial & Institutional
3% Æ˙Ω˛…*
2.14 hmWn-Py-]-chpw ÿm]-\-]-c- Finance
hp-amb [\-k-lmbw 2.14 ¥…… h…ŒV™…EÚ B¥…∆ ∫…∆∫l……M…i…  ¥…k… During the year, C&I advances of the Bank
_m¶ns‚ C & I hmbv]-Iƒ 2009 am¿®v 31- ¥…π…« E‰Ú n˘…ÆË ˙…x…, 31 ®……S…«, 2009 E‰Ú +x…÷∫……Æ˙ §…ÈEÚ st
reached Rs.15,201.99 crore as on 31
˛\v 15201.99 tImSn cq]-bn-se-Øn. EÚ… ∫…“ Bhb˜ +…<« + O…®… Ø˚. 15,201.99 EÚÆ˙…‰c˜ March 2009. This segment contributes
_m¶ns‚ samØw _nkn-\- n¬ 46% ¬
i…EÚ {…Ω÷˛ƒS… M…™……* §…ÈEÚ x…‰ <∫… J…hb˜ E‰Ú +xi…M…«i… 46% more than 46% of Bank’s Total Advances,
IqSp-Xepw Cu hn`m-K-Øn-em-Wv. hym]m-
c-˛-k¿hokv taJ-e-Iƒ, tIm¿∏-td‰v CS- ∫…‰ + v…EÚ EÚ“ ¥…fi r˘ n˘V…« EÚ“  V…∫…®…Â ¥™……{……Æ˙ B¥…∆ which includes financing of Trade and
]m- S p- I m¿, CXc ÿm]- \ - ß ƒ F∂nh ∫…‰¥……+…Â, EÚ…ÏÆ˙{……‰Æ‰˙]ı O……Ω˛EÚ B¥…∆ +x™… ∫…∆∫l……x…… EÚ…‰ Services, corporate customers and other
Cu hn`m-K-Øn¬s]-Sp-∂p.  ¥…k…{……‰π…h… ∂…… ®…±… Ω˲* institutions.
17

2.15 {Sj-dnbpw A¥¿t±-iob 2.15 Æ˙…V…EÚ…‰π… B¥…∆ +xi…Æ˙…π« ]≈ı“™… {… Æ˙S……±…x… 2.15 Treasury and International
CS-]m-Sp-Ifpw Operations
¥…π…« E‰Ú n˘…ÆË ˙…x… ¥…… h…ŒV™…EÚ ±…‰x…n‰˘x… ∫…‰ §…ÈEÚ EÚ… E÷Ú±…
\S- ∏ p- h ¿jsØ hmWnPy CS- ] m- S p-
°ÏڅƉ˙C∫… ]ıx…«+…‰¥…Æ˙ M…i… ¥…π…« E‰Ú Ø˚. 23,400 EÚÆ˙…c‰ ˜ The Bank’s total forex turnover during the
Iƒ°p≈ samØw hntZ-i\ - mWy hn‰p-hc- -
year for merchant transactions was
hv, ap≥h¿jsØ 23,400 tImSn cq]-bpsS EÚ“ i…÷±…x…… ®…∆‰ Ø˚. 33,582 EÚÆ˙…c‰ ˜ l……* +xi…Æ˙ §…ÈEÚ
ÿm\Øv 33,582 tImSn cq]-bm-Wv. _m¶p- Rs.33,582 crore compared to Rs.23,400
]ıx…«+…‰¥…Æ˙ V™……n˘… Æ˙Ω˛… V……‰  EÚ M…i… ¥…π…« E‰Ú Ø˚. 1,90,336
Iƒ XΩn-ep≈ CS-]m-Sp-If - nse hn‰p-hc- hv crore during the previous year. Inter Bank
ap≥h¿jsØ 1,90,336 tImSn cq]-bpsS EÚÆ˙…c‰ ˜ EÚ“ i…÷±…x…… ®…Â Ø˚. 2,12,102 EÚÆ˙…c‰ ˜ l……* ¥…π…«
turnover was higher at Rs.2,12,102 crore
ÿm\Øv 2,12,102 tImSn cq]-bmbn Db¿∂p. E‰Ú n˘…ÆË ˙…x… °Ú…ÏÆ˙‰C∫… {… Æ˙S……±…x… ∫…‰ E÷Ú±… ±……¶… 31 ®……S…« as against Rs.1,90,336 crore during the
Cu h¿jsØ hntZ- i - \ mWy hn\n- a b
{]h¿Ø-\ß - f
- n¬ \n∂p≈ samØw em`w 2008 EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ Ø˚. 72.06 EÚÆ˙…c‰ ˜ EÚ“ previous year. The total profit from forex
86.64 tImSn cq]-bm-Wv. 2008 am¿®v 31˛\v Cu i…÷±…x…… ®…Â Ø˚. 86.64 EÚÆ˙…c‰ ˜ Æ˙Ω˛…* operations during the year was Rs.86.64
st
em`w 72.06 tImSn cq]-bm-bn-cp-∂p. crore as against Rs.72.06 crore as on 31
§…ÈEÚ EÚ… ∫…EÚ±…  x…¥…‰∂… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
_m¶ns‚ samØw C≥shÃvsa‚ v 2009 March 2008.
am¿®v 31-˛\v 13,303.80 tImSn cq]-bm-Wv. 2008 E‰Ú +x…÷∫……Æ˙ Ø˚. 11,419.36 EÚÆ˙…‰c˜ EÚ“ i…÷±…x…… ®…Â
The Gross investments of the Bank stood
am¿®v 31-˛\v CXv 11,419.36 tImSn cq]-bm-bn-cp- 31 ®……S…« 2009 E‰Ú +x…÷∫……Æ˙ Ø˚. 13,303.80 EÚÆ˙…c‰ ˜ st
∂p. 2008-˛09˛se icm-icn C≥shÃvsa‚ v at Rs.13,303.80 crore as on 31 March 2009
l…… i…l…… +…Ë∫…i…  x…¥…‰∂… 2007-08 E‰Ú n˘…ËÆ˙…x… Ø˚. st
11,921.73 tImSn cq]-bm-Wv. 2007˛-08 ¬ CXv as against Rs.11,419.36 crore as on 31
10,413.48 tImSn cq]-bmbncp∂p. C≥shÃv 10,413.48 EÚÆ˙…‰c˜ EÚ“ i…÷±…x…… ®…Â 2008-09 E‰Ú
March 2008 and the average investments
sa‚ v {]h¿Ø-\ß - f - n¬ (]en-ibpw em`-hn- n˘…ÆË ˙…x… Ø˚. 11,921.73 EÚÆ˙…c‰ ˜ l……*  x…¥…‰∂… {… Æ˙S……±…x…
ln- X hpw Dƒs∏sS) \n∂p≈ \S- ∏ p- during 2008-09 was Rs.11,921.73 crore as
h¿jsØ hcp-am\w 859.54 tImSn cq]-bm- (§™……V…˜ B¥…∆ ±……¶……∆∂…) ∫…‰ Æ˙…V…∫¥…, M…i… ¥…π…« E‰Ú Ø˚. against Rs.10,413.48 crore during 2007-08.
Wv. ap≥ h¿jw CXv 771.64 tImSn cq]-bm-bn-cp- 771.64 EÚÆ˙…‰c˜ EÚ“ i…÷±…x…… ®…Â ¥…π…« E‰Ú n˘…ËÆ˙…x… Ø˚. The revenue from investment operations
∂p. \nt£]ß-fn¬ \n∂p≈ icm-icn hcp- (interest and dividend) for the year was
859.54 EÚÆ˙…c‰ ˜ Æ˙Ω˛…* 31.03.08 E‰Ú +x…÷∫……Æ˙ 7.36%
am\w ap≥h¿jw 7.36% Bbn-cp-∂Xv \S-∏p-
EÚ“ i…÷±…x…… ®… ¥…π…« E‰Ú n˘…ÆË ˙…x…  x…¥…‰∂… {…Æ˙ +…Ë∫…i… +…™… Rs.859.54 crore as against Rs.771.64 crore
h¿jw 7.30% Bbn. Cu dnt∏m¿´p Ime-bf - h
- n¬
C≥shÃpsa‚pI-fpsS hnev]-\-bn¬ \n∂v for the previous year. The average yield
EÚ…‰ 7.30% {…Æ˙ §…Æ˙EÚÆ˙…Æ˙ Æ˙J…… M…™……*  Æ˙{……‰]ı…«v…“x…
_m¶v 144.71 tImSn cq] em`-ap-≠m-°n. on investments was at 7.30% during the
+¥… v… E‰Ú n˘…ËÆ˙…x… §…ÈEÚ x…‰ Ø˚. 144.71 EÚÆ˙…‰c˜ E‰Ú
3. hn]-W-t\m-Zy-aßfpw ]pXnb year as compared to 7.36% during the year
Dev]-∂-ß-fpsS hnI-k-\hpw  x…¥…‰∂… EÚ“  §…GÚ“ {…Æ˙ ±……¶… +ÃV…i…  EÚ™……* st
ended 31 March 2008. The Bank earned
]pXnb Dev]∂-ßfpw hn]-Wt- \m-Zy-aß - fpw 3.  ¥…{…h…x… {…Ω±…˙ B¥…∆ x…B =i{……n˘…Â EÚ…  ¥…EÚ…∫… a profit on sale of investment of Rs.144.71
 _tbm- s a- { SnIv kv a m¿´v Im¿Uv . Hcp crore during the period under report.
am¿§Z¿iI ]≤-Xn-sb∂ \nebv°v tIcf- x…B =i{……n˘ B¥…∆ EÚ…Æ˙§……Æ˙ {…Ω˛±…
Ønse s\Sp- ¶ ≠w tªm°n¬ NREGP 3. MARKETING INITIATIVES
 Bx… +…Æ˙ <« V…“ {…“ ¥…‰i…x… EÚ… ¶…÷M…i……x… EÚÆ˙x…‰ E‰Ú
iºfw \¬Ip-∂X - n\v CXv hnP-bI- c- a- mbn AND DEVELOPMENT OF NEW
 ±…B E‰ÚÆ˙±… ®… x…‰b˜÷®…∆M……c˜˜ §±……EÚ ®… |……™……‰ M…EÚ {… Æ˙™……‰V…x……
\S-∏n-em-°n. km[m-cW _m¶nwKv kwhn-[m- PRODUCTS
\- Ø n¬ CtX- h sc Dƒs∏SmXncp∂ E‰Ú ∞¸{… ®… "§…™……‰®…‰ ]≈ıEÚ ∫®……]«ı EÚ…b«˜" EÚ…‰ ∫…°Ú±…i……{…⁄¥…«EÚ
hn`mKßtf°qSn Nnehp Ipd™ New Products And Business
±……M…⁄  EÚ™…… M…™……* ™…Ω˛ {…Ω˛±…, =x… n⁄˘Æ˙-n˘Æ˙…V… E‰Ú I…‰j……Â
kmt¶XnI hnZybpsS klmbØm¬ Initiatives:
Dƒs∏SpØm\p≈ as‰mcp Nph-Sp-hb - v]mWv ®… {…Ω÷ƒ˛S…x…‰ E‰Ú ∫…∆§…∆v… ®… +…ËÆ˙ BEÚ EÚn˘®… Ω˲ V…Ω˛…ƒ
Cu kwhn[m\w.
 Biometric Smart Card has been
∫……®……x™… §…ÈÀEÚM… S…Ëx…±… +¶…“ ∫l…… {…i… Ω˛…x‰ …… Ω˲*
\nt£-]ß - f- psS sNehp Ipd-bv°phm\pw, successfully implemented as a pilot project
\nt£-]-ß-fn¬ Id‚ v A°u-≠p-I-fpsS
 V…®……+… EÚ“ ±……M…i… EÚ®… EÚÆ˙x…‰ +…ËÆ˙ Ω˛®……Æ˙“  ¥… ¶…z… at Nedumkandam Block in Kerala for paying
hnlnXw Db¿Øphm\pw Dt±-in®v c≠p V…®……Æ˙… ∂…™……Â ®…Â S……±…⁄ J……i……Â EÚ… +∆∂… §…g¯…x…‰ E‰Ú  ±…B NREGP wages. This initiative is another step
]pXn-b-bn\w Id‚ v A°u-≠p-Iƒ°v ˛
GÚ®…∂…& Ø˚. 1 ±……J… B¥…∆ Ø˚. 5 ±……J… E‰Ú  i…®……Ω˛“ +…Ë∫…i… towards financial inclusion with cost
"Fkv.-_n.-Sn. Cukn _nkv', "Fkv_nSn
Cukn _nkv πkv' (ss{X-amk icm-icn effective technology enabled product.
∂…‰π… (C™…⁄ B §…“) E‰Ú ∫……l… ""B∫… §…“ ]ı“ <«W…“  §…W… B¥…∆
\o°n-bncp∏v bYm-{Iaw 1 e£w cq]bpw 5
B∫… §…“ ]ı“ <«W…“  §…W… {±…∫…'' x……®…EÚ n˘…‰ x…B  ¶…z…
 In order to keep the cost of deposits low
e£w cq]bpw hoXw) cq]w \¬In.
and to enhance the share of Current
I¿j-Isc EW-_m-≤y-Xb - n¬\n∂p tamNn- S……±…⁄ J……i……Â i…Ë™……Æ˙  EÚB M…B*
Accounts in our deposit mix, two new
∏n-°p-Ibpw ]W-hym-]mcn-If - n¬ \n∂p kzX-  @Òh… O…∫i…  EÚ∫……x…… EÚ…‰ ∫……Ω⁄˛EÚ…Æ˙… EÚ…‰ §…EÚ…™…… n‰˘™… current account variants namely “SBT easy
{¥- c m- ° p- I bpw Im¿jnIhnf Dev ] mZ\
Bhiy߃ \ndth‰pIbpw sNøp-Is - b∂ ∫…‰ U÷Ùc˜…x…‰ +…ËÆ˙ =x…EÚ“ °Ú∫…±… =i{……n˘x… +…¥…∂™…EÚi……+… BIZ and SBT easy BIZ Plus” with
18

e£y-tØm-sS, ""I¿jI kplrØv'' (E-W- ∫…‰  x…{…]ıx…‰ ®… ∫…Ω˛™……‰M… n‰˘x…‰ E‰Ú =q‰˘∂™… ∫…‰ Ω˛®…x…‰ ""EÚπ…«EÚ… Quarterly Average Balance (QAB) of Rs.1
ssI-am-‰] - ≤
- Xn) F∂ Hcp ]pXnb ]≤-Xn°v lac and Rs.5 lac respectively were
_m¶v cq]w \¬In. ∫…÷Ω÷˛Æ˙i…' (EÚV…« +n˘±…… §…n˘±…“ ™……‰V…x……) x……®…EÚ x…<«
formulated.
 a’y- _ - ‘ - \ - \ u- I - I - f psS DS- a - ÿ ¿°v ™……‰V…x…… EÚ…  x…Ø˚{…h…  EÚ™…… Ω˲*
Ah- c psS \uI- I sf "SyqWm temwKv  With an aim to help indebted farmers to
sse\dp' Ifm°n am‰m-\p≈ kmº-Øn-I-k-  E‰ÚÆ˙±… +…ËÆ˙ i… ®…±…x……b÷˜ E‰Ú EÚx™……E÷Ú®……Æ˙“  V…±…‰ ®… redeem their outstanding dues with
lmbw \¬Ip∂ Hcp ]≤Xn tIc-f-Ønepw moneylenders and also to meet their crop
"®…i∫™…x… {……‰i… ®…… ±…EÚ…Â EÚ…‰ +{…x…‰ {……‰i… EÚ…‰ ]⁄ıx…… ±……ÏM…
Xan-gv\m-´nse I\ym-Ip-amcn Pn√-bnepw Bcw-
production needs we have formulated a
`n- ® - X p- h gn kztZ- i Øpw A¥m- c mjv { S ±……<x…∫…«" ®… §…n˘±…x…‰ Ω‰˛i…÷  ¥…k…{……‰π…h… EÚÆ˙x…‰ EÚ“ ™……‰V…x……
Itºm-f-ß-fnepw h≥tXm-Xn¬ Bh-iy-°m- new scheme called “Karshaka Suhuruth”
cp≈ SyqWm a’y- ß fpsS Bg°S¬ +…Æ˙®¶… EÚ“ M…<«  V…∫…∫…‰ =x… ]⁄ıx…… ®…UÙ ±…™…… EÚ…‰ M…Ω˛x… (Debt Swap Scheme).
a’y_‘\w km≤yam°p∂Xn\v ∫…®…÷p˘ ®…Â {…EÚc˜x…… {……‰i… E‰Ú  ±…B ∫…÷ ¥…v……V…x…EÚ Ω˛…‰ M…™……  A Scheme for financing fishing vessel
klmbIambn.
 V…∫…EÚ“ ∫l……x…“™… B¥…∆ +xi…Æ˙…π« ]≈ı“™… §……W……Æ˙…Â ®…Â EÚ…°Ú“ owners to convert the vessel into Tuna
 \mj-W¬ _ƒ°v lm≥UvenwKv tIm¿∏-

td-j≥ (NBHC) \¬Ip∂ shb¿lukv Long Liners was introduced in Kerala and
>ƒS…“ ®……ƒM… Ω˲*
cko-Xp-Iƒ ]W-b-s∏-SpØn kmº-ØnI Kanyakumari district in Tamil Nadu thereby
klmbw \¬Ip∂ Hcp ]≤-Xn°v \S-∏p-  §…ÈEÚ x…‰ O……®…“h… |…S……Æ˙ ¥…Ëx… (¥……Ω˛x…) +…Æ˙®¶… EÚ“ Ω˲ V……‰ facilitating the vessel for deep-sea fishing
h¿j-Øn¬ XpS°w Ipdn-®p. for Tuna fish, which is having high demand
 hnhn[ hmbv]m-]≤
§…ÈEÚ EÚ“ V…Ω˛…ƒ ={…Œ∫l… i… Ω˲ =x… ∫…¶…“ M……Ï¥…… ®… n˘…ÆË ˙…
- X- n-Is - f-°p-dn®p I¿j- in the local and international markets.
Iscbpw sNdp- I nS hyh- k mb kwcw- ` - I - EÚÆ˙i…“ Ω˲ i…… EÚ  EÚ∫……x…… ¥… ±…P…÷ =t ®…™…… EÚ…‰  ¥… ¶…z…
scbpw t_m[-h¬°-cn-°p-I-sb∂ e£y-  The Bank has introduced a Rural Publicity
tØm-sS, _m¶ns‚ km∂n-[y-ap≈ F√m V…®……+… B¥…∆ @Òh… ™……‰V…x……+… E‰Ú ∫…∆§…∆v… ®…  ∂… I…i…  EÚ™…… Van which visits all rural areas where the
{Kma- { ]- t Z- i - ß - f nepw k©- c n- ° p∂ Hcp V…… ∫…E‰Ú* Bank has presence, to educate the farmers
dqd¬ ]ªn-kn‰n hml\w _m¶v G¿∏m-Sm- and small entrepreneurs regarding the
°n-bn-´p-≠v.  ¥…π…« E‰Ú n˘…ÆË ˙…x… ∫…®…÷n˘…™…… E‰Ú S…÷ x…xn˘… ¥…M……Á i…EÚ {…Ω÷˛ƒS…x…‰
different Deposit and Loan schemes.
 _m¶nwKpambn _‘- s ∏´ tZio- b hpw
E‰Ú  ±…B §…ÈÀEÚM… ∫…‰ ∫…∆M…i… +xi…Æ˙…π« ]≈ı“™… / Æ˙…π]≈ı“™…  n˘¥…∫……  Observing international/national days of
A¥¿t±-io-bh - p-amb Zn\-߃ BN-cn-°p-∂Xv
Hcp IS-a-bmbn Cs°m√w Gs‰-Sp-ØXv, kaq- EÚ…‰ ®…x……x…… BEÚ ±…I™… E‰Ú ∞¸{… ®… +{…x……™…… M…™……* relevance to banking has been adopted as
l-Ønse \n›n-Xh - n-`m-Kß- f - n-te-°n-dßn-s®-√p- a mission for reaching out to select groups
I-sb∂ ZuXyw \nd-th-‰m≥ klm-bn-®p.  14 x…¥…®§…Æ˙ EÚ… §……±…  n˘¥…∫… <∫… ±…I™… EÚ… +…Æ˙®¶…
of the communities during the year.
 14 \hw_dnse inip- Z n\w Cu ZuXy-
l……* Ω˛®…x…‰ n‰˘∂… ¶…Æ˙ ∫…‰ 20 §…… ±…EÚ…+… EÚ…‰ n˘∫…¥…” i…EÚ
Øns‚ XpS°w Ipdn- ® p. cmPy- Ø ns‚  The Children’s Day on November 14
hnhn[ `mK- ß - f n- e p≈ \n¿[\cmb 20 =x…EÚ“  ∂…I…… ∫…∆§…∆v…“ +…¥…∂™…EÚi……+… EÚ“ n‰˘J…¶……±… EÚÆ˙x…‰ was the beginning of the mission. We
s]¨Ip-´n-Isf ZsØ-SpØv sa{Sn-°p-te- E‰Ú  ±…B M……‰n˘  ±…™…… Ω˲* adopted 20 girl children across the country
j≥ hsc-bp≈ Ah-cpsS hnZym-`ym-k] - c
- - to meet their education requirement up
amb Bh-iy-߃ \nd-th-‰m≥ Xocp-am-\n-®p.  ∫…¶…“ ∂……J……+… x…‰ 12.01.09 EÚ…‰ ∫{…“b˜ §…ÈÀEÚM… Ω‰˛i…÷ to matriculation.
 kv]oUv _m¶nwKv F∂ Bibhpambn

F√m imJIfpw 12.01.09\v tZiob bphP\


+ ¶…™……x… S…±……x…‰ E‰Ú u˘…Æ˙… Æ˙…π]≈ı“™… ™…÷¥……  n˘¥…∫… ®…x……™……* All the branches observed the National


Zn\ambn BNcn®p. C°meØv 13,000 + ¶…™……x… E‰Ú n˘…ÆË ˙…x… 13,000 x…B <h]ıÆ˙x…‰]ı ={…¶……‰HÚ…+…Â Youth Day on 12.01.09 through a campaign
]pXnb C‚¿s\‰v D]tbm‡m°sf IqSn for Speed Banking. During the campaign
_m¶n\v e`n®p. EÚ…‰ V……‰c˜… M…™……*
13,000 new Internet users were added.
 24.01.09˛se tZiob _men-Im-Zn\w ""Fkv.-
 10 ∫…‰ 18 ¥…π…« EÚ“ +…™…÷ ¥…M…« EÚ“ x……§…… ±…M… ±…c˜ EÚ™……Â  The National Girl Child Day on 24.01.09
_n.- S n. kpI\y'' tkhnwKv k v _m¶v
A°u≠v F∂ Hcp ]pXnb Dev]∂w ]pd- E‰Ú  ±…B x™…⁄x…i…®… ∂…‰π… +…ËÆ˙ <h]ıÆ˙x…‰]ı §…ÈÀEÚM…  ¥…∂…‰π…i……+…Â was celebrated by launching a new product
Øn-d-°n-s°m≠v _m¶v BtLm-jn-®p. 10 ∫…‰ ™…÷HÚ §…S…i… §…ÈEÚ J……i…‰ EÚ… BEÚ ∞¸{……∆i…Æ˙ B∫… §…“ ]ı“ by name SBT “Sukanya”, a variant of Savings
apX¬ 18 hb- p-hs - c-bp≈ Ip´n-Isf Dt±- Bank account, with lower minimum balance
in®v Ipd™ \o°n- b n- c p∏pw C‚¿s\‰v "∫…÷EÚx™……' x……®…EÚ BEÚ x…B =i{……n˘ EÚ… |…¥…i…«x… EÚÆ˙  n˘x……∆EÚ and Internet Banking features for minor girls
_m¶nwKv kuI-cy-hp-ap≈ Hcp tkhnwKvkv
24.01.09 EÚ…‰ x…‰∂…x…±… M…±…« S……<±b˜ b‰˜˘ ®…x……™…… M…™……* in the age group of 10 to 18 years. This
_m¶v A°u≠v BWnXv. 30 e£-Øn¬
∏cw \o°n-bn-cp-∏p≈ 9,000 ]pXnb A°u- <∫… =t®… ∫…‰ Ø˚.30 ±……J… ∫…‰ + v…EÚ ∂…‰π… E‰Ú ∫……l… venture has added 9000 new accounts
≠p-Iƒ Cu kwcw-`Ø - n-eqsS Xpd-°s - ∏-´p. with a balance of more than Rs.30 lac.
9000 x…B J……i…‰ J…÷±…‰*
 A¥m-cmjv{S h\n-Xm-Zn-\-amb 08.03.09-˛\v  The occasion of International Women’s

h\n-X-Isf ap≥\n-c-bn-se-Øn-°p-∂-Xn\p  §…ÈEÚ x…‰ ®… Ω˛±…… EÚ…‰ E‰Úxp˘  §…xn÷˘ ®… Æ˙J…i…‰ Ω÷˛B Day on 08.03.09 was selected by the Bank
klm-b-I-amb ""h\nXm hnImkv ]£w'' to observe a fortnight long programme by
F∂ t]cn¬ c≠mgvN \o≠p \n¬°p∂ "¥… x…i……  ¥…EÚ…∫… {…J…¥……c˜…' x……®…EÚ BEÚ {…J…¥……c˜… ±…®§…‰
Hcp ]cn-]m-Sn°v _m¶v XpS°w Ipdn-®p. c≠p name “Vanitha Vikas Fortnight” focusing
EÚ…™…«GÚ®… EÚ… +…™……‰V…x… EÚÆ˙x…‰ Ω‰˛i…÷ 08.03.09 E‰Ú women at the centre stage. Two new
]pXnb Dev]∂ - ß - ƒ XZ-hk - c - Ø
- n¬ ]pd-Øn-
d- ° n ˛ H∂v , Ipd™ \o°n- b n- c n∏pw +xi…Æ˙…π« ]≈ı“™… ®… Ω˛±……  n˘¥…∫… E‰Ú +¥…∫…Æ˙ EÚ…‰ S…÷x……* n˘…‰ products, “SBT Prathibha”, a variant of
19

C‚¿s\‰v _m¶nw-Kns‚ aqey-h¿≤nX tkh- x…B =i{……n˘, "BEÚ x™…⁄x…i…®… ∂…‰π… i…l…… <h]ıÆ˙x…‰]ı §…ÈÀEÚM… Savings Bank account, with lower minimum
\-hp-ap≈ ""Fkv._ - n.-Sn. {]Xn`''. c≠m-at- Ø- E‰Ú ®…⁄±™… ™……‰ V…i… ∫…‰¥…… ∫…‰ ™…÷HÚ, §…S…i… §…ÈEÚ J……i…… EÚ… balance and value added service of internet
Xv, 25 e£w cq] hsc-bp≈ SME ]≤-Xn-Iƒ BEÚ ∞¸{……∆i…Æ˙ ""B∫… §…“ ]ı“ |… i…¶……'' i…l…… n⁄˘∫…Æ˙… ®… Ω˛±…… banking and “SBT Mahila Vikas”, a
Gs‰-SpØp \S-Øm≥ h\nXm hyh-kmb liberalized loan scheme for women
kwcw- ` - I sc {]m]v X - c m- ° p- ∂ - X pw, A[n-
=t ®…™…… E‰Ú  ±…B ∫…∆{……Ã∂¥…EÚ |… i…¶…⁄ i… ∫…‰ U⁄Ù]ı i…l……
|…l…®… ¥…π…« 8% P…]ı…B §™……V… n˘Æ˙ EÚ“ §…‰W……‰b˜  ¥… ∂…π]ıi……+… entrepreneurs enabling them to undertake
Pmayw Hgn-hm-°p-∂-Xpw, BZy-h¿jw 8%
F∂ Ipd™ ]eni \nc-t°m-Sp-Iq-Sn-bX - p- ∫…‰ ™…÷HÚ BEÚ =n˘…Æ˙“EfiÚi… @Òh… ™……‰V…x…… ""B∫… §…“ ]ı“ SME projects up to Rs.25 lac, with unique
amb DZm-ch - ¬°rX hmbv]m-]≤ - Xn "Fkv.- ®… Ω˛±……  ¥…EÚ…∫…''  V…∫…∫…‰ ¥…‰ Ø˚. 25 ±……J… i…EÚ E‰Ú B∫… features of waiver of collateral security and
_n.-Sn. alnfm hnIm-kv.'' reduced interest rate at 8% for the first year,
B®… <« {… Æ˙™……‰V…x……+… EÚ… EÚ…™…« EÚ…  V…®®…… ∫…EÚi…‰ Ω˲,∆
 {][m\s∏´ CS-]m-Sp-Im-cpsS km∂n-≤y-ap- were introduced.
EÚ… |…¥…i…«x…  EÚ™…… M…™……*
≠mb as‰m-ch - k
- c- a
- m-bn-cp∂p C˛-tIm-tagvkv  The launching of E-Commerce facility was
kwhn-[m-\Ø - ns‚ DXvLm-S\ - t- h-f. hnhn[  <«-¥…… h…V™… ∫…÷ ¥…v…… EÚ… |……Æ˙®¶…  EÚ™…… V……x……, B‰∫…… another occasion for gathering of important
Dev ] - ∂ - ß - ƒ °pw tkh- \ - ß - ƒ °pw n⁄˘∫…Æ˙… +¥…∫…Æ˙ l…… V…§…  ¥… ∂…π]ı ¥…M…« E‰Ú O……Ω˛EÚ BEÚj… customers. New hoardings, new
{]m[m\yw \¬Ip∂ ]pXnb tlm¿Unw-Kp- Ω÷˛B l…‰* ∫…¶…“ EÚ…‰ x…W…˜Æ˙ +…™…‰, <∫… =q‰˘∂™… ∫…‰  ¥… ¶…z… advertisement series highlighting various
Ifpw ]pXnb ]c-ky-]-c-º-c-Ifpw XpS¿®- =i{……n˘… B¥…∆ ∫…‰¥……+… EÚ…‰ Ω˛…<«±……<]ı EÚÆ˙i…‰ Ω÷˛B x…B
bmb ]{X{]kvXmh\Ifpw XZ-hk - c
- Ø
- n¬ products and services and constant press
]pd-Øn-d-°p-I-bp-≠m-bn. Ω˛…‰Õb˜M…, x…<« |…S……Æ˙ ∏…∆J…±……Bƒ |…n˘Ã∂…i… EÚ“ M…<« +…ËÆ˙ releases were adapted as a fillip to visibility.
 CS-]m-Sp-Im¿°v Dev]∂ - ß- s- fbpw tkh-\-
 x…Æ˙xi…Æ˙ |…‰∫…  ¥…Y…Œ{i…™……ƒ V……Æ˙“ EÚ“ M…<»*«  Product and service information to
ß-sfbpw Ipdn®p hnhcw \¬Ip-∂-Xpw,  ¥…π…« E‰Ú n˘…ÆË ˙…x… 25 S…÷ x…xn˘… ∫l……x…… {…Æ˙ EÚ∫]ı®…Æ˙ Ω˛…±Ï … customers through a centrally operated
tI{µo-Ir-Xa - mbn \nb-{¥n-°s - ∏-Sp-∂X- p-amb ®… ∫l…… {…i… E‰Úxp˘“EfiÚi… ∞¸{… ∫…‰ ∫…∆S…… ±…i… B±… ∫…“ b˜“ LCD monitor display system at the
Hcp F¬.kn.-Un. tamWn-‰¿ Unkvtπ knÃw customer hall has been instituted at 25
®……Ï x…]ıÆ˙  b˜∫{…±…‰  ∫…∫]ı®… E‰Ú ®……v™…®… ∫…‰ O……Ω˛EÚ…‰ EÚ…‰
Xncs™- S pØ Ccp- ] - Ø - © n- S - ß - f n¬
=i{……n˘ B¥…∆ ∫…‰¥…… EÚ“ V……x…EÚ…Æ˙“  n˘B V……x…‰ EÚ“ ¥™…¥…∫l…… select locations during the year.
Cs°m√w ÿm]n-®p.
4. t{Im v sk√nwKv EÚ“ M…<«* 4. CROSS SELLING
Itºm-f-Ønse \ntj-[m-flI {]h-W-X- 4. GÚ…∫… ∫…‰œ±±…M… The Cross Selling business activity during
Ifpw kmº-ØnI {]Xn-k‘ - n-bpsS {]Xym- the year was slightly subdued in view of
Lm-X-ßfpw aqew \S-∏ph¿jw t{Im v
¥…π…« E‰Ú n˘…ËÆ˙…x… GÚ…∫… ∫…‰œ±±…M… EÚ…Æ˙§……Æ˙, x…EÚ…Æ˙…i®…EÚ
the negative market sentiments, fallout of
sk√nwKv {]h¿Ø-\ß - ƒ A¬∏w aµ-KX - n- §……W……Æ˙ ¶……¥…x……Bƒ +…ËÆ˙ +l…«¥™…¥…∫l…… ®… ∫……®……x™… ®…∆n˘“ ∫…‰
the general downturn in the economy. The
bn-em-bn-cp-∂p. t¢m v sk√nw-Kn¬ \n∂v =i{…z… Œ∫l… i…™…… E‰Ú EÚ…Æ˙h… E÷ÚUÙ v…“®…… {…c˜ M…™……* ¥…π…«
income from the Cross Selling business
2007˛08 h¿j-ßf - n¬ 12.03 tImSn cq] hcp- E‰Ú n˘…ÆË ˙…x… GÚ…Ï∫… ∫…‰œ±±…M… EÚ…Æ˙§……Æ˙, ¥…π…« 2007-08 ®… during the year is Rs.10.72 crore, as against
am\w e`n-®n-cp-∂Xv Cs°m√w 10.72 tImSn- n˘V…« Ø˚. 12.03 EÚÆ˙…‰c˜ EÚ“ i…÷±…x…… ®…Â, Ø˚. 10.72
cq]bm-bn. Rs.12.03 crore recorded during 2007-08.
EÚÆ˙…c‰ ˜ ÆΩ˛…*
""sse^v C≥jp-d≥kn-\p-th≠n SBI sse^v Bank has tie-up arrangement with SBI Life
C≥jq-d≥kv Iº-\n-bp-am-bpw, BtcmKy / §…ÈEÚ x…‰ V…“¥…x… §…“®…… E‰Ú  ±…B B∫… §…“ +…<« ±……<«°Ú Insurance Company for Life Insurance.
P\-d¬ C≥jq-d≥kn-\mbn, bpssW-‰Uv <∆∂™……‰Æ˙Â∫… EÚ®{…x…“ E‰Ú ∫……l… i……±…-®…‰±… ¥™…¥…∫l…… EÚ“ Ω˲* Health / General Insurance tie-up is with
C≥jq- d ≥kv Iº- \ n- b p- a mbpw Icmdp ™…÷x……<]‰ıb˜ <∆ b˜™…… <∆∂™……‰Æ˙Â∫… EÚ®{…x…“ E‰Ú ∫……l… ∫¥……∫l™…/ United India Insurance Company. Mutual
Ifp≠v. ayqNz¬ ^≠v cwKØv SBI ayqNz¬ ∫……®……x™… <∆∂™……‰Æ˙Â∫… i……±…-®…‰±…  EÚ™…… Ω˲, B∫… §…“ +…<« Funds tie-up is with SBI Mutual Fund,
^≠v {^m¶vfn≥ sUºnƒS¨ C≥sh-Ãn-
sa‚ v (C-¥ym) ss{]. en., UTI A ‰v amt\- ®™…⁄S…÷+±… °Úhb˜, £ÂÚEÚ ±…x… ]‰ı®{… ±…]ıx… <x¥…‰∫]ı®…Â]ı (<∆ b˜™……) Franklin Templeton Investments (India)
Pvsa‚ v Iº\n enan-‰U - v, TATA A ‰v amt\- |……<¥…‰]ı  ±… ®…]‰ıb˜, ™…⁄ ]ı“ +…<« +…Œ∫i… |…§…∆v…x… EÚ®{…x…“ Private Limited, UTI Asset Management
Pvsa‚ v Iº\n ss{]. en. F∂n-hcpambpw  ±… ®…]‰ıb˜ B¥…∆ ]ı…]ı… +…Œ∫i… |…§…∆v…x… EÚ®{…x…“ |……<¥…‰]ı Company Limited and TATA Asset
Icm¿ hyhÿbp≠v.  ±… ®…]‰ıb˜ E‰Ú ∫……l… ®™…⁄S…÷+±… °Úhb˜ EÚ… i……±…-®…‰±…  EÚ™…… Management Company Private Limited.
\S-∏p-h¿jw, _m¶v bpssW-‰Uv C¥ym Ω˲* During the year the Bank launched a highly
C≥jp-d≥kv Iº-\n-bp-ambn tN¿∂v ""Fkv.- popular Personal Accident insurance
_n.-Sn. bqWn kpc£'' F∂ t]cn¬ Gsd ¥…π…« E‰Ú n˘…ËÆ˙…x…, §…ÈEÚ x…‰ ™…÷x……<]‰ıb˜ <∆ b˜™…… <∆∂™……‰ÆÂ˙∫…
E∆Ú. ±…. E‰Ú ∫…∆™……‰V…x… ®…Â BEÚ +i™…xi… ±……‰EÚ |…™… ¥™… HÚM…i… product, SBT UNI SURAKSHA, in
P\-{]oXn t\Snb Hcp t]gvkW - ¬ BIvkn-
U‚ v C≥jp-d≥kv Dev]∂w {]Jym-]n-®p. association with United India Insurance Co.
n÷˘P…«]ıx…… §…“®…… =i{……n˘ "B∫… §…“ ]ı“ ™…⁄x…“ ∫…÷Æ˙I……' EÚ…
{]Xn-h¿jw shdpw 50 cq]bv°v 5 e£w Ltd., offering a personal accident cover of
∂…÷¶……Æ˙®¶…  EÚ™……  V…∫…®… ®……j… Ø˚.50/- |… i…¥…π…« E‰Ú
cq]-bpsS A]-IS C≥jp-d≥kv \¬Ip∂ Rs.5.00 lac for a premium of just Rs.50/-
|…“ ®…™…®… {…Æ˙ Ø˚.5.00 ±……J… EÚ“ ¥™… HÚM…i… n÷˘P…«]ıx……
]≤- X n- b m- W n- X v . tIhew aq∂p amk- per annum. As at the end of March 2009,
߃°p-≈n¬, 2009 am¿®v Ah-km-\a - m-b- §…“®…… ∫…÷Æ˙I…… EÚ… |…∫i……¥…  EÚ™…… M…™……* ®……S…« 2009 EÚ“ in just over three months, 82,916 customers
t∏m-tg-°pw, 82916 CS-]m-Sp-Im¿ Cu ]≤-Xn- ∫…®……Œ{i… {…Æ˙ E‰Ú¥…˙±… i…“x… ®…Ω˛“x…… ®… 82,916 O……Ω˛EÚ have joined the scheme. A joint publicity
bn¬ sN¿∂p. _m¶v hn]-W\w sNøp∂ <∫… ™……‰V…x…… ®… ∂…… ®…±… Ω÷˛B* §…ÈEÚ u˘…Æ˙…  ¥…{…h…x…  EÚB
sl¬Øv C≥jp-d≥kv Dev]∂-߃ {]N- campaign has also been launched to give a
cn-∏n-°m-\p≈ Hcp kwbp‡ {]Nm-cW ]cn-
V…… Æ˙Ω˛‰ ∫¥……∫l™… §…“®…… =i{……n˘ EÚ…‰ §…g¯…¥…… n‰˘x…‰ E‰Ú  ±…B push to the health Insurance products being
]m-Snbpw Bcw-`n-®n-´p-≠v. ∫…∆™…÷HÚ |…S……Æ˙ + ¶…™……x… ¶…“ S…±……™…… M…™……* marketed by the Bank.
20

{]hmkn \nt£]߃
+ x…¥……∫…“ V…®……Æ˙… ∂…™……ƒ
NRE Deposits
Rs.10,893 cr.

Rs.8,596 cr.

Rs.8,402 cr.

Rs.7,876 cr.

Reaching out beyond boundaries….


Shri. Venu Rajamony, Consul General of India, opening the Bank’s Representative
Office in Dubai in the presence of former Managing Director, Shri. M Ramaswamy.

5. {]hmkn tkh-\-߃ 5. Bx… +…Æ˙ +…<« ∫…‰¥……Bƒ 5. NRI SERVICES


{]hm-kn-Iƒ°p≈ hnhn[ _m¶nwKv A\p-
_‘ tkh-\ß - ƒ FØn-°p-hm≥ th≠ §…ÈEÚ x…‰ +M…∫i… 2008 E‰Ú n˘…ËÆ˙…x… n÷˘§…<« ®… +{…x…… Bank has opened its Representative Office
klm- b - ß ƒ \¬IpI, a≤y]q¿∆- t Z- i - |… i… x… v… EÚ…™……«±…™… J……‰±……  V…∫…∫…‰ ¥…‰ ®…v™… {…⁄¥…« ®… in Dubai during August 08 as an interface
Øp≈ CS- ] m- S p- I m¿°v _m¶v imJ- between branches and the customers in
Ifpambn _‘s∏Sp∂Xn\p≈ ∂……J……+…Â B¥…∆ O……Ω˛EÚ…Â E‰Ú ∫……l… ∫…∆{…E«Ú ∫l…… {…i… EÚÆ˙
the Middle East, which will take care of
kuIcyta¿s∏SpØpI, _m¶nwKv
kw_‘amb Imcyßfn¬ t\cn´p N¿®
∫…EÂÚ* ™…Ω˛ ¶……Æ˙i… ®… ¥™……{……Æ˙ B¥…∆  x…¥…‰∂… §…g¯…x…‰ ®… promoting trade and investment in India
sNøpI F∂o Dt±-iy-߃ ap≥\n-¿Øn ®…n˘n˘ EÚƉ˙M…… i…l…… Bx… +…Æ˙ +…<« B∫…  ¥… ¥…v… §…ÈÀEÚM… and also assist NRIs to avail various banking
_m¶ns‚ Hcp {]Xn-\n[n Hm^okv 2008
BKÃv amk- Ø n¬ Zp_mbn¬ Xpd∂p B¥…∆ ∫…®§…r˘ ∫…‰¥……+… EÚ…‰ |……{i… EÚÆ˙x…‰ ®… ∫…Ω˛…™…i…… ¶…“ and allied services.
{]h¿Ø\w Bcw-`n-®p.  ®…±…‰M…“* The Bank has been continuously improving
_m¶v, {]hm-kn-Iƒ°m-bp≈ tkh-\ß - ƒ its services to NRIs and thereby could
sa®-s∏-Sp-Øp-∂Xn-\mbn \nc¥cw {ian- §…ÈEÚ Bx… +…Æ˙ +…<« EÚ…‰ |…n˘k… +{…x…“ ∫…‰¥……+… ®… ∫…÷v……Æ˙
®phcp∂p. AXp-hgn Cu h¿jw {]hmkn expand its NRI base during the year
EÚÆ˙i…… Æ˙Ω˛… Ω˲ i…… EÚ ¥…π…« E‰Ú n˘…ËÆ˙…x… Bx… +…Æ˙ <«
CS]m-Sp-Im-cpsS FÆ-Øn-ep≈ \ne-hn-ep≈ resulting in improved market share in Kerala
ASn-Ød h¿≤n-∏n-°p-hm\pw XZzmc hn]-Wn- V…®……Æ˙… ∂…™……Â ®…Â {…™……«{i… ¥…fi r˘ B¥…∆ E‰ÚÆ˙±… ®…Â ®……ÃEÚ]ı and substantial growth in the NRE deposits.
hn-lnXw Db¿Øp-hm\pw {]hmkn \nt£-
]-Øn¬ Imcy-amb h¿≤\ D≠m-°p-hm\pw ∂…‰™…Æ˙ ®… §…g¯…‰i…Æ˙“ EÚÆ˙i…‰ Ω÷˛B +{…x…‰ Bx… +…Æ˙ +…<« Depreciation of Indian rupee against major
km[n-®p. Cu h¿jw {]apJ hntZi \mW- +…v……Æ˙ EÚ…‰ §…g¯… ∫…E‰Ú* ¥…π…« E‰Ú n˘…ÆË ˙…x… J……c˜“ n‰˘∂…… ∫…‰ currencies during the year accelerated
b- ß - f p- a mbn C≥Uy≥ cq]- b v ° p- ≠ mb
aqey-tim-jWw hntZ-iØ - p-\n-∂p-≈, {]tXy- +…¥…EÚ  ¥…|…‰π…h… ®…Â ®…÷J™… ®…÷p˘…+…Â E‰Ú ®…÷EÚ…§…±…‰ ¶……Æ˙i…“™… inward remittances especially from the Gulf
In®pw Kƒ^v cmPy-ßf - n¬ \n∂p-≈ ]Ww countries.
Ø˚{…™…‰ ®…  M…Æ˙…¥…]ı n‰˘J…x…‰ EÚ…‰  ®…±…“*
hc-hns\ Xzcn-Xs - ∏-Sp-Øn. All credits of Rs.5,000 and above to NRE
NRE A°u-≠n-te-°b- °
- p∂ 5000 cq]bv°p Bx… +…Æ˙ <« EÚ…‰ Ø˚.5,000 B¥…∆ <∫…∫…‰ >{…Æ˙ E‰Ú ∫…¶…“ are acknowledged through SMS. Internet
apI-fn-ep≈ XpI ssI∏-‰nb hnhcw SMS
Bbn Adn-bn-°p-∂- ]pXnb k{ºZmbw
@Òh…… EÚ“ {……¥…i…“ B∫… B®… B∫… u˘…Æ˙… n˘“ V……i…“ Ω˲* §…ÈEÚ banking facility offered by the Bank enable
\S∏nem°n. _m¶ns‚ C‚¿s\‰v _m¶nwKv u˘…Æ˙… |…n˘…x… EÚ“ M…<« ∫…¶…“ <∆]ıÆ˙x…‰]ı §…ÈÀEÚM… ∫…÷ ¥…v…… Bx… the NRIs to effect transfer of funds within
kwhn- [ m\w {]hm- k n- I ƒ°v C≥Uy- b n-
ep≈ a‰p _m¶p-If - n-te°v ]Ww am‰p-∂X
- n- +…Æ˙ +…<« EÚ…‰ ™…Ω˛ + v…EÚ…Æ˙ n‰˘i…“ Ω˲  EÚ ¥…‰ ¶……Æ˙i… ®…Â, and with other banks in India and also third
\pw, ]e-hn-[Ø
- n-ep≈ ÿncw \n¿tZ-iß - ƒ party transfer, carry out their standing
+x™… §…ÈEÚ…Â E‰Ú ∫……l… B¥…∆ BEÚ{…I…“™… E‰Ú ∫……l…  x… v…™……Â
\S-∏nem°p∂Xn\pw, dbn¬ _p°nw-Kv, instructions for various payments, rail
^okv AS-bv°¬, Hm¨sse≥ tjm∏nwKv EÚ… +∆i…Æ˙h… EÚÆÂ˙ i…l……  ¥… ¥…v… ¶…÷M…i……x……Â, Ɖ˙±… §…÷ÀEÚM…, bookings, fee payments, and also online
apX-em-b-h°pw D]-Im-c-s∏-Spw. IqSmsX
∂…÷±EÚ ¶…÷M…i……x… B¥…∆ +…Ïx…±……<x… ∂……À{…M… EÚ“ V……i…“ Ω˲* shopping. It also enables them to view
A°u-≠nse hnh-cß - ƒ ImWp-hm\pw ]cn-
tim-[n-°p-hm\pw km[n-°pw. ¥…‰ +{…x…‰ J……i…‰ B¥…∆ ±…‰x…n‰˘x… ¶…“ n‰˘J… ∫…EÚi…‰ ΩÈ˛* their accounts and transactions.
21

NRI hn`mKw {]kn-≤s


- ∏-Sp-Øp∂ ""NRI \yqkv Bx… +…Æ˙ +…<«  ¥…¶……M… u˘…Æ˙… |…EÚ… ∂…i… Bx… +…Æ˙ +…<« NRI Newsletter published by the NRI
se‰¿'' {]hm-kn-Iƒ°m-bp≈ D¬∏-∂ß - ƒ-
x™…⁄V… ±…‰]ıÆ˙  ¥… ¥…v… x™…⁄V… ®…n˘… B¥…∆ =i{……n˘…∆‰ B¥…∆ ∫…‰¥……+…Â, Department updates the various news
tkh-\ß - ƒ - ]en-i\ - n-c°v apX-em-bh - s - b-∏‰- n- items and information regarding products
bp≈ A∏- t ∏m- g p≈ hnh- c - ß fpw §™……V… n˘Æ˙… +… n˘ EÚ“ ∫…∆§…∆ v…i… ∫…⁄S…x…… EÚ…‰ +ti…x… and services, interest rates etc.
hm¿ØIfpw \¬Ip-∂p.
EÚÆ˙i…… Ω˲* NRE account opening for new customers
FIvkvtN©v Iº-\n-Iƒ hgn FØp∂
]pXnb NRE A°u≠v XpS-ßp-∂X - n-\p≈  ¥… x…®…™… E∆Ú{… x…™…… u˘…Æ˙… =n¬˘M… ®…i… x…™…‰ O……Ω˛EÚ…Â E‰Ú sourced by Exchange Companies is now
At]£Iƒ Xncp-h\ - ¥
- ]- p-cØv ÿm]n-°- centralized at our Liability Centralized
s∏´ GIo- I rX ""eb- _ n- e n‰n sk≥{S- J……‰±…‰ V……x…‰ ¥……±…‰ Bx… +…Æ˙ <« J……i…‰ +§… Ω˛®……Ɖ˙ n‰˘™…i……
Processing Centre at Thiruvanathapuram,
ssekv U v t{]mk-   nwKv sk‚dn¬'' E‰Úxp˘“EfiÚi… |…∫…∆∫EÚÆ˙h… E‰Úxp˘  i…Ø˚¥…x…xi…{…÷Æ˙®… ®… E‰Úxp˘“EfiÚi… which facilitates immediate opening of
FØn®v A°u≠p Xpd- ∂ v , aƒ´n- k n‰n
ΩÈ˛ V……‰ O……Ω˛EÚ…Â E‰Ú  ±…B i…iEÚ…±… J……i…… J……‰±…x…‰ B¥…∆ accounts and provides Multi-city cheque
sN°v, ]mkv_p°v F∂nh CS-]m-Sp-Im¿°v
thKØn¬ Ab®p sIm-Sp-°p-∂p. book and Pass Book to the customers.
®…±]ı“ ∫… ]ı S…‰EÚ §…÷EÚ B¥…∆ {……∫… §…÷EÚ |…n˘…x… EÚÆ˙i…‰ ΩÈ˛*
Fd- W m- I p- f sØ hntZ- i - \ m- W y- h n- \ n- a b ISB Help Desk attached to Foreign
hn`m-K-tØm-S-\p-_-‘n-®p≈ ISB sl¬]v  ¥…n‰˘∂…  ¥… x…®…™…  ¥…¶……M… BÆ˙h……E÷Ú±…®… ∫…‰ ∫…∆§…∆ v…i… +…< Exchange Department Ernakulam attends
sUkv I v Kƒ^v cmPy- ß - f n¬ \n∂- b - B∫… §…“ Ω‰˛±{… b‰˜∫EÚ J……c˜“ n‰˘∂…… ∫…‰ |……{i…  ¥… ¥…v…  ¥…|…‰π…h…… to queries relating to various remittances
bv°p∂ ]W-sØ-∏-‰n-bp-ff At\z-j-W-
∫…‰ ∫…∆§…∆ v…i… |…∂x…… EÚ… ∫…®……v……x… EÚÆ˙i…… Ω˲* |…v……x… EÚ…™……«±…™… made from Gulf countries. ATM Help Desk,
߃°v th≠{X {i≤ \¬I-∂p. slUv
Hm^o-kn-t\m-S\ - p-_‘ - n-®p≈ ATM sl¬]v Internet Banking Help Desk and NRI Help
∫…‰ ∫…∆§…∆ v…i… B ]ı“ B®… Ω‰˛±{… b‰˜∫EÚ, <∆]ıÆ˙x…‰]ı §…ÈÀEÚM… Ω‰˛±{…
sUkv I v , C‚¿s\‰v _m¶nwKv sl¬]v Desk attached Head Office, also assist the
sUkvIv, NRI sl¬]v sUkvIv F∂nh b‰˜∫EÚ B¥…∆ Bx… +…Æ˙ +…<« Ω‰˛±{… b‰˜∫EÚ Bx… +…Æ˙ +…<« E‰Ú NRIs to resolve all their grievances in
{]hm- k n- I ƒ°v Ah- c psS \nt£- ] - ß - =x…E‰Ú J……i…… B¥…∆ ±…‰x…n‰˘x… ∫…‰ ∫…∆§…∆ v…i… ∫…¶…“  ∂…EÚ…™…i…… respect of their accounts and transactions.
tfbpw CS-]m-Sp-It- fbpw ]‰n-bp≈ ]cm-Xn-
EÚ… ∫…®……v……x… EÚÆ˙x…‰ ®… ∫…Ω˛…™…i…… |…n˘…x… EÚÆ˙i…… Ω˲* The alternative investment channels like
Iƒ ]cn-lc - n-°p-∂X - n\v th≠ klm-bß - ƒ
\¬In-h-cp-∂p. Mutual Funds, Life Insurance, Health
 ¥… ¥…v… BV…∆ ∫…™…… E‰Ú ∫……l… M…`ˆV……‰c˜ EÚ“ M…<« ¥…ËEÚŒ±{…EÚ Insurance, etc., arranged by the Bank in tie-
_m¶nwtKXc \nt£- ] - am¿§- ß - f mb
ayqNz¬ ^≠v , sse^v C≥jq- d ≥kv ,  x…¥…‰∂… S…Ëx…±…∫… V…Ë∫…‰ ®™…⁄S…÷+±… °Úhb¬˜∫…, ±……<°Ú <∆∂™……‰Æ˙Â∫…, up with various agencies, are also extended
BtcmKy C≥jq-d≥kv, apX-em-bh - b- v°mbn Ω‰˛±l… <∆∂™……‰Æ˙Â∫… +… n˘ Ω˛®……Ɖ˙ ∫……l… Bx… +…Æ˙ +…<« O……Ω˛EÚ…Â to NRI customers.
_m¶v G¿s∏-Sp-Øn-bn-´p≈ kwhn-[m-\ß - ƒ
{]hm-kn-Iƒ°pw e`yamWv. EÚ…‰ |…n˘…x… EÚ“ M…<« ΩÈ˛* 6. BUSINESS PROCESS
RE-ENGINEERING (BPR) INITIATIVES
6. _nkn-\ v t{]mk v do F©n-\o-
6. ¥™…¥…∫……™… |… GÚ™…… {…÷x…Ã¥…x™……∫… (§…“{…“+…Æ˙) {…Ω˛±… With the objectives of improving
b-dnwKv (BPR) kwcw-`-߃
{]I-S\w sa®-s∏-Sp-Øp-I, CS-]m-Sp-Im¿°v performance and enhancing customer
EÚ…™…« x…π{……n˘x… ®… ∫…÷v……Æ˙ EÚÆ˙x…‰ +…ËÆ˙ O……Ω˛EÚ ∫…‰¥…… EÚ…‰
\¬Ip∂ tkh\w BtKmf \ne-hm-cØ - n- service to global standards, your Bank has
te°v Db¿Øp-I F∂o e£y-ßtfm-sS,  ¥…∑… ∫i…Æ˙ i…EÚ §…g¯…x…‰ E‰Ú =q‰˘∂™… ∫…‰ §…ÈEÚ x…‰ +{…x…‰ |…®…÷J… embarked on implementation of various
2004 Unkw-_d- n¬, ASn-ÿm-\] - c- a
- mb Ign- I…®…i……+…Â, +i™……v…÷ x…EÚ |……Ët…‰ M…EÚ“ B¥…∆ {…÷x…&{… Æ˙EÚŒ±{…i… BPR initiatives beginning from December
hp- I - f nepw B[p- \ nI kmt¶- X nI hnZy- 2004 by leveraging on its core
bnepw Du∂¬ \¬Inbpw {]h¿Ø- \ - {… Æ˙S……±…x…M…i… fƒ…S…‰ EÚ… ={…™……‰M… EÚÆ˙i…‰ Ω÷˛B  n˘∫…®§…Æ˙
competencies, state of the art technology
ssien ]p\-cm-hn-jvIc - n®pw hnhn-[ß - f
- mb 2004 ∫…‰ +…Æ˙®¶…  ¥… ¶…z… §…“ {…“ +…Æ˙ {…Ω˛±…… EÚ…‰ ±……M…⁄
_n]nB¿ kwcw-`-߃°v _m¶v XpS°w and redesigned operating architecture.
Ipdn-®p. EÚÆ˙x…… +…Æ˙®¶… EÚÆ˙  n˘™……* The major initiatives rolled out during the
Ign™ GXm\pw h¿j-ßf - n¬ {]tbm-K£
a-am-°nb {Kml-Ivan-{X, t{Um]v t_mIvkp-
- -
M…i… E÷ÚUÙ ¥…π……Á E‰Ú n˘…ÆË ˙…x… +…Æ˙®¶…  EÚB M…B |…®…÷J… {…Ω˛±… last few years viz. Grahak Mitras, Drop
Boxes, Relationship Managers, Central Loan
Iƒ, dnte-j≥jn∏v amt\-P¿am¿, sk≥{S¬ V…Ë∫…‰ O……Ω˛EÚ  ®…j…, b≈˜…{Ï … §……C∫…,  Æ˙±…‰∂…x… ∂…{… ®…Ëx…‰V…∫…«, Processing Centres, Stressed Assets
tem¨ t{]mk-   nwKv sk‚- d p- I ƒ,
kvs{SkvUv A ‰vkv sdskm-eq-jy≥ sk‚- E‰Úxp˘“™… @Òh… |…∫…∆∫EÚÆ˙h… E‰Úxp˘, n˘§……¥…O…∫i… +…Œ∫i… ∫…®……v……x… Resolution Centres, Trade Finance Central
dp- I ƒ, t{SUv ss^\m≥kv sk≥{S¬ E‰Úxp˘, ¥™……{……Æ˙  ¥…k… E‰Úxp˘“™… |…∫…∆∫EÚÆ˙h… E‰Úxp˘ +… n˘ Processing Centres, etc. are contributing
t{]mk- nwKv sk‚-dp-Iƒ apX-emb apJy- to improve the Bank’s service delivery,
kw-cw-`ß - ƒ _m¶ns‚ tkh-\ß - fpw CS- §…ÈEÚ EÚ“ ∫…‰¥…… |…∫i…÷ i…, O……Ω˛EÚ…Â EÚ“ ∫…÷ ¥…v…… +…ËÆ˙ EÚ…Æ˙§……Æ˙ customers’ convenience and business
]m-Sp-Im-cpsS kuI-cyhpw _nkn-\- ns‚ ¥…fi r˘ ®… ∫…÷v……Æ˙ EÚÆ˙x…‰ ®… ™……‰M…n˘…x… n‰˘ Æ˙Ω‰ ΩÈ˛* growth.
hf¿®bpw sa®-s∏-Sp-Øp-∂-Xn¬ {][m\
]¶p-h-ln-°p-∂p. {…‰∂∆ …x… {… Æ˙EÚ±…x… ®… ™…l……i…l™…i……, {…Â∂…x… EÚ… ∫…®…™… {…Æ˙ Pension processing has been centralized at
tIcf kwÿm- \ sØ _m¶ns‚ F√m our Centralised Pension Processing Centre
∫…∆ ¥…i…Æ˙h… B¥…∆ ±…‰x…n‰˘x…… EÚ… i¥… Æ˙i…  x…{…]ı…x… ∫…÷ x…Œ∂S…i… set up at Thiruvananthapuram covering all
imJ-I-fn¬ \n∂pw s]≥j≥ hmßp-∂-h-
cpsS s]≥j≥ IW-°p-Iq-´p∂ {]{Inb EÚÆ˙i…‰ Ω÷˛B E‰ÚÆ˙±… Æ˙…V™… ®… Ω˛®……Æ˙“ ∂……J……+… ∫…‰ {…Â∂…x… pensioners drawing pension from our
22

Xncp-h-\-¥-]p-cØp ÿm]n-®n-´p≈ tI{µo- +…Ω˛ Æ˙i… EÚÆ˙x…‰ ¥……±…‰ ∫…¶…“ {…Â∂…x…¶……‰ M…™…… EÚ…‰ ∫…Œ®®… ±…i… branches in Kerala State ensuring accuracy
IrX s]≥j≥ t{]mk- nwKv sk‚-dn-emWp in pension calculations, timely disbursement
EÚÆ˙i…‰ Ω÷˛B  i…Ø˚¥…x…xi…{…÷Æ˙®… ®… ∫l…… {…i… Ω˛®……Ɖ˙ E‰Úxp˘“EfiÚi…
\S-°p-∂-Xv. IW-°p-Iq-´¬ IrXy-am-sW-
of pension and quick settlement of
∂pw, hnX-cWw bYm-ka - bw \S-°p-∂p-s≠- {…Â∂…x… |…∫…∆∫EÚÆ˙h… E‰Úxp˘ ®… {…Â∂…x… |…∫…∆∫EÚÆ˙h… EÚ…‰ E‰Úxp˘“EfiÚi…
∂pw, CS-]m-Sp-Iƒ°p Ime-Xm-ak - a- p-≠m-Ip- transactions.
 EÚ™…… M…™……*
∂n-s√∂pw CXv Dd-∏p-hc- p-Øp-∂p. A Liability Central Processing Centre has
tkhnMvkv _m¶v, Id‚ v A°u≠v XpS- ∂……J……+… EÚ…‰ §…S…i… §…ÈEÚ i…l…… S……±…⁄ J……i…‰ V…Ë∫…“ n‰˘™…i…… been established in Thiruvananthapuram to
ßnb _m≤yXm A°u-≠p-Iƒ Xpd-°p-∂-
J……i…… EÚ…‰ J……‰±…x…‰ +…ËÆ˙ ∂……‰v…x… EÚÆ˙x…‰ Ω‰˛i…÷ §…ËEÚ-+…Ï °Ú∫… provide back-office support to branches,
Xn\pw _‘-s∏´ tkh-\-߃°pw imJ-
Iƒ°pw Bh-iyamb ]n¥pW \¬Ip-∂- ∫…Ω˛™……‰M… n‰˘x…‰ E‰Ú  ±…B  i…Ø˚¥…x…xi…{…÷Æ˙®… ®… BEÚ n‰˘™…i…… in opening and servicing of liability accounts
Xn\pw Xn-cp-h\ - ¥]p-cØv Hcp eb-_n-en‰n
E‰Úxp˘“™… |…∫…∆∫EÚÆ˙h… E‰Úxp˘ ∫l…… {…i…  EÚ™…… M…™……* E‰Úxp˘, like Savings Bank and Current Accounts.
sk≥{S¬ t{]mk- nwKv sk‚¿ ÿm]n-®n-
The Centre will provide pre-generated
´p-≠v. FSn-Fw Im¿Up-Iƒ, sN°p-_p-°p- ∂……J……+…Â EÚ…‰ B]ı“B®… EÚ…b˜…,Á S…‰EÚ §…÷EÚ +… n˘ ∫…‰ ™…÷HÚ
Iƒ apX-em-bh Dƒs∏-Sp∂, ap≥Iq´n Xøm- Welcome Kits consisting of ATM Cards,
{…⁄¥…«  x…î…i… ∫¥……M…i…  EÚ]¬ı∫… |…n˘…x… EÚƉ˙M…… i…… EÚ J……i……Â
dm-°nb sh¬Iw In‰p-Iƒ imJ-Iƒ°p cheque books etc. to the branches,
\¬-Ip-∂X - p-aqew A°u≠p Xpd-°p-∂Xp EÚ…‰ ∂…“Q… J……‰±…… V…… ∫…E‰Ú*  ¥… x…®…™… E∆Ú{… x…™…… u˘…Æ˙… facilitating quick opening of accounts. NRE
thK- Ø n- e m- ° m- \ pw km[n- ° p- ∂ p.
=n¬˘M… ®…i… x…™…‰ O……Ω˛EÚ…Â E‰Ú  ±…B Bx… +…Æ˙ <« J……i…… EÚ… account opening for new customers
FIvkvtN©v Iº-\n-Iƒ aptJ\ ]pXnb
CS-]m-Sp-Im¿°p≈ NRE A°u≠v Xpd- J……‰±…x…… ¶…“ <∫… E‰Úxp˘ ®… E‰Úxp˘“EfiÚi…  EÚ™…… M…™……* sourced by Exchange Companies are also
°p∂ tPmenbpw Ct∏mƒ Cu sk‚-dn- now centralized at this centre.
emWv tI{µo-Ic - n-®n-´p-≈X
- v. 7. ∫…⁄S…x…… |……Ët…‰ M…EÚ“ B¥…∆ O……Ω˛EÚ ∫…‰¥……
7. INFORMATION TECHNOLOGY
7. hnh-c-km-t¶-Xn-I-hn-Zybpw CS-]m-
7.1 |……Ët…‰ M…EÚ“ =z…™…x… +…ËÆ˙ +…<« ]ı“ {…Ω˛±… & CUSTOMER SERVICE
Sp-Im¿°p≈ tkh-\hpw
7.1 kmt¶-Xn-I-hn-Zy-bpsS D∂-a-\hpw Ω˛®……Æ˙“ ∫…¶…“ ∂……J……+… ®… EÚ…‰Æ˙ §…ÈÀEÚM… ±……M…⁄  EÚ™…… M…™…… 7.1 Technology Upgradation & IT
hnh-c-km-t¶-Xn-I-hnZym DZy-a-ßfpw
Ω˲  V…∫…E‰Ú u˘…Æ˙… Ω˛®……Ɖ˙ O……Ω˛EÚ…Â EÚ…‰  EÚ∫…“ ¶…“ ∫…®…™… EÚΩ˛” Initiatives
_m¶ns‚ F√m imJ- I - f nepw tIm¿
_m¶nMv (CORE BANKING) \S-∏n-em-°n-b- ¶…“ §…ÈÀEÚM… ∫…÷ ¥…v…… ={…±…§v… Ω˛…‰ Æ˙Ω˛“ Ω˲* §…ÈEÚ x…‰ EÚ…‰Æ˙ All our branches are on CORE, thereby
tXmsS CS-]m-Sp-Im¿°v ""GXp ka-bØpw §…ÈÀEÚM… EÚ“ |… GÚ™…… ®… {…⁄h…«i… §…g¯…i‰ …Æ˙“ EÚÆ˙i…‰ Ω÷˛B B¥…∆ providing anytime anywhere banking facility
Fhn-sSbpw'' F∂ _m¶nMv kuIcyw e`y- to our customers. The Bank has, by fully
am-bn. tIm¿_m-¶nMv tijn ]q¿W-ambpw ∂……J……+… ®… x…B ®…⁄±™… ¥…Ãv…i… =i{……n˘… EÚ…‰ |……Æ˙®¶…  EÚ™……
hn\n-tbm-Kn-®p-sIm≠v At\Iw \qX\ aqey- leveraging the process of CORE banking,
Ω˲ i…… EÚ O……Ω˛EÚ ∫…“ §…“ B∫… {±…Ë]ı°Ú…®…« EÚ… {…⁄h…« ={…™……‰M…
h¿≤nX Dev]-∂-߃ G¿s∏-Sp-Øn-b-tXm- introduced a number of new value-added
sS, ka-kvXi - m-JI
- ƒ°pw CS-]m-Sp-Im¿°pw EÚÆ˙x…‰ ®…Â ∫…®…l…« Ω˛…‰ ∫…EÂÚ* products enabling the branches and
tIm¿ _m¶nMv πm‰vt^m-ans‚ kºq¿Æ-
J……c˜˜“ n‰˘∂…… ∫…‰  ¥…|…‰π…h… Ω‰˛i…÷ §…ÈEÚ u˘…Æ˙… +…∆i… Æ˙EÚ ∞¸{… ∫…‰ customers to make full use of CBS platform.
amb D]-tbmKw kpkm-≤y-am-bn.
 ¥…EÚ ∫…i… B¥…∆ +…Æ˙®¶… EÚ“ M…<« ¥…‰§… +…v…… Æ˙i… i¥… Æ˙i… The new MONEYTRANS E-REMIT, a
Kƒ^v \mSp-If - n¬ \n∂p thK-Ønepw kpc-
£n-X-ambpw ]Ww Ab-°p-∂-Xn\v _m¶v web-based fast and secured facility for
B¥…∆ ∫…÷Æ˙ I…i… ∫…÷ ¥…v…… x…™…“ "®… x…]≈ı…∫ƒ … <«-Ɖ˙ ®…]ı' BEÚ B‰∫…“ remittances from Gulf countries, developed
kz¥-ambn hnI-kn-∏n® ]pXnb sh_v A[n-
jvTnX kwhn-[m-\a - mb ""aWn {Sm≥kv C˛- + u˘i…“™… =i{……n˘ Ω˲  V…∫…EÚ… O……Ω˛EÚ…Â +…ËÆ˙  ¥… x…®…™… E∆Ú{… x…™…… in-house and introduced by the Bank, is a
sd-an‰v'', CS-]m-Sp-Imcpw FIvkvtN©v Iº- unique product well received by the
\n-Ifpw Hcp-t]mse kzmKXw sNbvX khn-
x…‰ +SUÙ… ∫¥……M…i…  EÚ™……* ™…Ω˛ {…ËEÚ‰ V… O……Ω˛EÚ…Â EÚ…‰ ∫…“v…‰ customers and Exchange Companies. This
ti- j - a mb Hcp Dev ] - ∂ - a m- W v . CS- ] m- S p- +…t∆i… @Òh… ∫…÷ ¥…v……V…x…EÚ §…x……i…… Ω˲* ™…Ω˛ ∫…÷ ¥…v……  V…∫…‰ package facilitates straight through credit
Im¿°p t\cn´p ]Ww e`n- ° m≥ Cu to customers. This facility which has been
]mt°Pv klm-bn-°p-∂p. 18 FIvkvtN©p 18  ¥… x…®…™… E∆Ú{… x…™……Â E‰Ú ∫……l… ={…±…§v… EÚÆ˙¥……<« M…<«,
made available with 18 exchange
Iº-\n-If - p-am-bp≈ CS-]m-Sp-Iƒ°p e`y-am- +§… §…ÈEÚ E‰Ú ∫……l… +…Ω˛Æ˙h… ¥™…¥…∫l…… Œ∫l…i… ®…v™… {…⁄¥…« companies now will be extended to all the
bn-cp∂ Cu kuIcyw Ct∏mƒ _m¶p-ambn
E‰Ú ∫…¶…“ 23  ¥… x…®…™… E∆Ú{… x…™……Â EÚ…‰ <∫… ∫…÷ ¥…v…… EÚ… 23 exchange companies in the Middle East
t{UmbnwKv Atd- © p- s a‚p≈ anUn¬
having drawing arrangements with the
CuÃnse 23 FIv k v t N©v Iº- \ n- I - f n-  ¥…∫i……Æ˙  EÚ™…… V……BM……* ™…Ω˛ ∫…÷ ¥…v……  ¥…t®……x… Ø˚{…™……
te°pw hym]n-®n-´p-≠v. \ne-hn-ep-≈ kzn^vSv Bank. This facility is in addition to the existing
sdan-‰≥kv F∂ dp∏o t{UmbnwKv kwhn-[m- b≈˜…}]ı +…Ω˛Æ˙h… ∫…÷ ¥…v…… "Œ∫¥…}]ı  ¥…|…‰π…h…' E‰Ú + i… Æ˙HÚ Rupee draft drawing facility and SWIFT
\-Øn\p ]pd-ta-bmWv Cu kuI-cyw. CS-]m- remittance arrangements. Non-customer
Sp- I m- c p- t S- X - √ mØ ]Ww hc- h p- I ƒ
Ω˲* M…ËÆ˙-O……Ω˛EÚ @Òh…… EÚ“ EÚ…Æ«˙¥……<« ∫¥…i…& Bx… <« B°Ú credits automatically proceed through
kzta[bm NEFT ˛bn-eqsS IS-∂p-t]m-Ipw. ]ı“ E‰Ú ®……v™…®… ∫…‰ Ω˛…‰ V……i…“ Ω˲* NEFT.
23

\ne-hn-ep≈ hnZym-`ymk hmbv]bv°p ]pd- {…Ω˛±…‰ ∫…‰ ={…±…§v…  ∂…I…… @Òh… E‰Ú + i… Æ˙HÚ, °ÚÆ˙¥…Æ˙“ An online application facility for Housing
ta, `h\ hmbv]bv°pw Hm¨sse-\mbn 2009 E‰Ú n˘…ÆË ˙…x… +…¥……∫… @Òh… Ω‰˛i…÷ +…Ïx…±……<x… +…¥…‰n˘x… Loan has been provided during February
At]- £ n- ° p- ∂ - X n- \ p≈ kuIcyw 2009 2009 in addition to Education Loan, which
s^{_p-h-cn-apX¬ G¿s∏-Sp-Øn-bn-´p-≠v. ∫…÷ ¥…v…… ={…±…§v… EÚÆ˙¥……<« M…<«* <∫… |… GÚ™…… E‰Ú +xi…M…«i… is already available. The process involves
At]£I¿°v DS-\Sn C˛ sabn¬ ckoXp +…¥…‰n˘EÚ…Â EÚ…‰ i…÷Æ˙xi… <«-®…‰±… {……¥…i…“ n˘“ V……i…“ Ω˲ +…ËÆ˙ an immediate E-mail acknowledgement to
\¬Im\pw A¿l-X-bp≈ At]-£-I¿°v
{……j… +…¥…‰n˘EÚ…Â EÚ…‰ =x…EÚ“ {…∫…xn˘ EÚ“ ∂……J……+…Â ®…Â ∫…®…™…§…r˘ applicants and a time-bound delivery for
Ah¿ Bhiys∏-Sp∂ imJ-If - n¬ \n∂p
eligible applicants at branches of their
ka-b-_-‘n-X-ambn hmbv] ssI∏-‰m\pw f∆¯M… ∫…‰ ∫…÷{…÷n˘« M…“ EÚ“ V……i…“ Ω˲*
CXv kuI-cy-sam-cp-°p-∂p. choice.
_m¶ns‚ B`y-¥c - a
- mb {]h¿Ø\tijn
+x…‰EÚ ∫……Ï}]ı¥…‰™…Æ˙ B¥…∆ {…ËEÚ‰ V… +…xi… Æ˙EÚ ∞¸{… ∫…‰  ¥…EÚ ∫…i… Several software and applications have
sa®-s∏-Sp-Øp∂ \nc-h[n tkm^vSvshb¿  EÚB M…B  V…∫…∫…‰ +…xi… Æ˙EÚ EÚ…™…« n˘I…i…… ®… ¥…fi r˘ Ω÷˛<*« been developed in-house which have
]mt°-Pp-Iƒ _m¶n¬ Xs∂ hnI-kn-∏n-®n- enhanced internal working efficiency. A few
=x…®… E÷ÚUÙ  x…®x… ±… J…i… Ω˲:∆
´p-≠v. Ah-bn¬ Nne-Xn-s\-°p-dn®p Xmsg are mentioned below:
kqNn-∏n-°p-∂p. i) BEÚ E‰Úxp˘“EfiÚi… ®…⁄±™… ™……‰ V…i… {…ËEÚ‰ V…-∫…“<«Bx…¥…“B]ı“ - i) A Centralised Value Added Tax package
i) Cs°m-√sØ k¿hokv SmIvkv tI{µo- <∫… ¥…π…« E‰Ú n˘…ÆË ˙…x… ∫…‰¥…… EÚÆ˙ EÚ“ E‰Úxp˘“EfiÚi… ¥…∫…⁄±…“ Ω‰˛i…÷* – CENVAT- for centralised payment of
Ir- X - a mbn kam- l - c n- ° p- ∂ - X n- \ p≈ Hcp service tax during this year.
tI{µo-IrX aqey-h¿≤nX \nIpXn ]mt°Pv ii)  ¥…n‰˘∂… S…‰EÚ ¥…∫…⁄±…“ |…§…∆v…x… |…h……±…“ Ω‰˛i…÷ BEÚ x…™……
˛ CENVAT. ii) A new web-based package for Foreign
¥…‰§… +…v…… Æ˙i… {…ËEÚ‰ V… Cheque Collection Management system.
ii) hntZ-i-sN°v If-Ivj≥ amt\-Pvsa‚ v
kwhn-[m-\Ø
- n\v Hcp ]pXnb sh_v A[n- iii) J……i…… ®…‰∆ V…®…… EÚÆ˙x…‰ E‰Ú  ±…B B∫… B®… B∫… B±…]«ı¬∫… iii) SMS alerts are given for credit to
jvTnX ]mt°-Pv.  n˘™…… M…™…… Ω˲* accounts.
iii) A°u≠pIfn¬ ]Ww ASbv°m\mbn 7.2 Alternative Delivery Channels
Fkv Fw Fkv Adnbn∏v. 7.2 ¥…ËEÚŒ±{…EÚ  ¥…i…Æ˙h… S…Ëx…±…
Internet Banking
7.2 ]£m-¥c \n¿h-lW am¿§-߃ <h]ıÆ˙x…‰]ı §…ÈÀEÚM…
(Alternative Delivery Channels) Migration of customers to alternative
C‚¿s\‰v _m¶nwKv O……Ω˛EÚ…Â EÚ… +x™… ¥…ËEÚŒ±{…EÚ  ¥…i…Æ˙h… S…Ëx…±…… EÚ…‰ ®……<O…‰]ı delivery channels has been receiving
CXc sUen-hdn Nm\-ep-If - n-te-°p≈ CS- Ω˛…x‰ …‰ EÚ…‰ |……l… ®…EÚi……  ®…±… Æ˙Ω˛“ Ω˲* <h]ıÆ˙x…‰]ı §…ÈÀEÚM… priority. The total number of INB
]m-Sp-Im-cpsS am‰-Øn\p ap≥K-W\ \¬Ip- O……Ω˛EÚ…Â EÚ“ E÷Ú±… ∫…∆J™…… 31 ®……S…« 2008 E‰Ú 0.64 ±……J… customers increased from 0.64 lac as on
st
∂p. 31.03.2008-˛¬ 0.64 e£w INB CS-]m-Sp- 31 March 2008 to over 1.60 lac as on
Im-cp-≠m-bn-cp-∂X- v, 31.03.2009-˛¬ 1.60 e£- ∫…‰ §…g¯EÚÆ˙ 31 ®……S…« 2009 E‰Ú +x…÷∫……Æ˙ 1.60 ±……J… ∫…‰ 31.03.2009 and the number of transactions
ambn h¿≤n-®p. h¿jmh¿jap≈ IW- >{…Æ˙ Ω˛…‰ M…<« +…ËÆ˙ ±…‰x…n‰˘x… EÚ“ ∫…∆J™…… i…l…… ±…‰x…n‰˘x… E‰Ú and value of transactions increased by 130%
°ns‚ ASn-ÿm-\-Øn¬ CS-]m-Sp-Im-cpsS
®…⁄±™… ®… ¥…π…«-n˘Æ˙-¥…π…« +…v……Æ˙ {…Æ˙ GÚ®…∂…& 130% B¥…∆ and 200% respectively on year-on-year
FÆhpw Ah-bpsS aqeyhpw bYm-{Iaw
200% EÚ“ ¥…fi r˘ Ω÷˛<*« 12000 EÚ…Æ˙§……Æ˙/∫…‰ + v…EÚ basis. Over 12000 Business / Corporate
130%hpw 200% hpw Bbn Db¿∂p.
INB customers are using Internet Banking
tIm¿∏td‰pIƒ°pff C‚¿s\‰v _m¶nwKv EÚ…Æ˙{……‰Æ˙‰]ı +…<« Bx… §…“ O……Ω˛EÚ +{…x…‰ EÚ…Æ˙§……Æ˙ =q‰˘∂™…
kuIcyw 12000 _nkn\ v/tIm¿∏td‰v INB facilities for their business purposes.
IÃtagvkv {]tbmP\s∏SpØp∂p≠v. Ω‰˛i…÷ <∆]ıÆ˙x…‰]ı §…ÈÀEÚM… ∫…÷ ¥…v…… EÚ… |…™……‰M… EÚÆ˙ Æ˙Ω˛‰ ΩÈ˛* Online donation facility for Guruvayur
Kpcp-hm-bq¿ tZh-kz-Øn-\p≈ kw`m-h\ ¥…π…« E‰Ú n˘…ÆË ˙…x… M…÷Ø˚¥……™…⁄Æ˙ n‰˘¥…∫¥……Ï®… EÚ…‰ +…Ïx…±……<x… b˜…x‰ …‰∂…x… Devaswom and e-commerce/online shopping
Hm¨sse-\mbn \¬Im-\p≈ kuI-cyhpw i…l…… <«-EÚ…Ï®…∫…« / +…Ïx…±……<x…√ ∂……ÏÀ{…M… ∫…÷ ¥…v…… |……Æ˙®¶… EÚ“ facility were introduced during the year.
C˛-tIm-tagvkv / Hm¨sse≥ kuI-cyhpw
Cu h¿jw \S-∏n-em-°n-bn-´p-≠v. M…<»* ATMs
FSn-F-Ωp-Iƒ B ]ı“ B®… The Bank has 460 ATMs as on 31.03.2009.
31.3.2009-˛¬ _m¶n\v 460 FSn-FΩ - p-≠v. 31 ®……S…« 2009 E‰Ú +x…÷∫……Æ˙ §…ÈEÚ E‰Ú {……∫… 460 B ]ı“
- p-If 387 ATMs are in Kerala and 73 ATMs in
Chbn¬ 387 F Sn Fw apIƒ tIcfØnepw other States. Our ATM network is the
B®… Ω˲* E‰ÚÆ˙±… Æ˙…V™… ®… 387 B ]ı“ B®… i…l…… +x™…
73 F Sn FΩpIƒ a‰p kwÿm\ßfnep largest in the state. All ATMs are networked
amWv . kwÿm- \ sØ G‰hpw henb Æ˙…V™…… ®… 73 B ]ı“ B®… B∫… ΩÈ˛* Ω˛®……Æ˙… B ]ı“ B®… with State Bank Group ATMs numbering
FSnFw irwJ-e-bmWp \ΩptS-Xv. F√m x…‰]ı¥…E«Ú Æ˙…V™… ®… ∫…§…∫…‰ §…c˜˜… x…‰]ı¥…E«Ú Ω˲* ∫…¶…“ B ]ı“
FSn-F-Ωp-Ifpw 10,000-˛¬ ]c-ap≈ tÉv over 10,000. We have a card base of 28.11
_m¶v {Kq∏ns‚ FSn-FΩ - p-ambn _‘n- B®… ∫]‰ı]ı §…ÈEÚ ∫…®…⁄Ω˛ E‰Ú B ]ı“ B®…… E‰Ú ∫……l… x…‰]ı¥…Cb«˜
- p-If lac as at March 2009. The total number of
∏n-®n-cn-°p-∂p. am¿®v 2009 ˛¬ 28.11 e£- Ω˲  V…x…EÚ“ ∫…∆J™…… 10,000 ∫…‰ + v…EÚ Ω˲* ®……S…« 2009 ATM transactions during the year was 3.73
amWp \ΩpsS Im¿Uv t_kv . ap≥ E‰Ú +x…÷∫……Æ˙ Ω˛®……Ɖ˙ {……∫… 28.11 ±……J… EÚ… EÚ…b«˜ +…v……Æ˙ crore involving a sum of Rs.8,763 crore
h¿jsØ 2.63 tImSn CS]mSpIfnembn 4944
tImSn cq]bpsS ÿm\Øv \S∏ph¿jw 3.73 Ω˲* M…i… ¥…π…« E‰Ú 2.63 EÚÆ˙…c‰ ˜ ±…‰x…n‰˘x…… ®… Ø˚.4,944 compared to Rs.4,944 crore from 2.63
tImSn CS]mSpIfnembn 8,763 tImSn EÚÆ˙…c‰ ˜ E‰Ú ®…÷EÚ…§…±…‰˙ ¥…π…« E‰Ú n˘…ÆË ˙…x… B ]ı“ B®… ±…‰x…n‰˘x…… crore transactions in the previous year. The
24

cq]bpsS F.Sn.Fw CS]mSpIƒ \S∂p. EÚ“ E÷Ú±… ∫…∆J™…… 3.73 EÚÆ˙…c‰ ˜ l…“  V…∫…®…Â Ø˚. 8,763 total number of POS (Point of Sale)
\S-∏p-h¿jw 66.67 tImSn cq]-bv°p≈ 3.37 EÚÆ˙…c‰ ˜ Æ˙… ∂… ∫…∆ ±…{i… l…“* ¥…π…« E‰Ú n˘…ÆË ˙…x… {…“ +…‰ B∫… transactions during the year was 3.37 lac
e£w POS (t]mbn‚ v Hm^v skbn¬) CS-
({……Ï<∆]ı +…°Ú ∫…‰±…) ±…‰x…n‰˘x…… EÚ“ E÷Ú±… ∫…∆J™…… 3.37 involving a sum of Rs.66.67 crore.
]m-Sp-Ifpw \S-∂n-´p-≠v.
±……J… l…“  V…∫…®… Ø˚. 66.67 EÚÆ˙…c‰ ˜ Æ˙… ∂… ∫…∆Œ±{…i… l…“* Management Information System
amt\-Pvsa‚ v C≥^¿ta-j≥ knÃw
HmUn-‰n\pw sdKp-te-‰dn dnt∏m¿´nw-Kn\pw |…§…∆v…x… ∫…⁄S…x…… |…h……±…“ MIS platform is used for all statutory
Bhiyamb F√m \nb-am-\p-krX kmº- |…§…∆v…x… ∫…⁄S…x…… |…h……±…“ {±…‰]ı°Ú…®…« EÚ… ={…™……‰M… ±…‰J…… financial statements required for audit and
ØnI hnh- c - W - ß ƒ°pw amt\- P v s a‚ v regulatory reporting. To a large extent, the
C≥^¿ta-j≥ knÃw, _m¶v ^e-{]-Za - mbn {…Æ˙“I…… B¥…∆  ¥… x…™……®…EÚ  Æ˙{……‰Õ]ıM… E‰Ú  ±…B +…¥…∂™…EÚ
∫…¶…“ ∫……∆ ¥… v…EÚ  ¥…k…“™…  ¥…¥…Æ˙h……Â E‰Ú  ±…B  EÚ™…… V……i…… database of borrowers caters to the needs
D]- t bm- K n- ° p- ∂ p. hmbv ] FSp- Ø - h sc
kw_-‘n-®p≈ "Um‰m t_kv' Hcp henb of management and the regulatory
Ω˲* EÚ…°Ú“ Ω˛n˘ i…EÚ, =v……Æ˙EÚi……«+… ∫…∆§…∆v…“ +…v……Æ˙¶…⁄i…
]cn-[n-hsc amt\-Pvsa‚n\pw hyh-ÿm-]nX authorities. MIS Department furnishes data
+…∆EÚc‰˜, |…§…∆v…x… B¥…∆  x…™……®…EÚ |…… v…EÚ… Æ˙™…… EÚ“
A[n-Im-cn-Iƒ°pw {]tbm-P-\-s∏-Sp-∂p-≠v. to Credit Information Bureau of India
+…¥…∂™…EÚi……+… EÚ…‰ {…⁄Æ˙… EÚÆ˙i…‰ ΩÈ˛* |…§…∆v…x… ∫…⁄S…x……
_m¶v AwK-am-bn´p≈Xpw dnk¿hv _m¶v Limited (CIBIL), a credit information
A[n- I m- c - s ∏- S p- Ø n- b - X p- a mb s{IUn‰v |…h……±…“ (B®… +…<« B∫…)  ¥…¶……M…, ¶……Æ˙i…“™… @Òh… +…∫…⁄S…x…… company authorized by Reserve Bank of
C≥^¿ta- j ≥ Iº- \ n- b mb ""s{IUn‰v §™…⁄Æ˙…‰  ±…., (∫…“ +…<« §…“ +…<« B±…) EÚ…‰ +…∆EÚc‰˜ |…∫i…÷i… India, of which the Bank is a member.
C≥^¿ta-j≥ _yqtdm Hm^v C¥y enan- EÚÆ˙i…… Ω˲* ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ EÚ…‰ ®…⁄±… ∫…∆…ŒJ™…EÚ“™…
‰Uv'' (CIBIL) \v amt\-Pvsa‚ v C≥^¿ta-j≥ Annual submission of Basic Statistical
knÃw hn`mKw hnh-cß - ƒ \¬Ip-∂p. MIS  ¥…¥…Æ˙ h…™……Â EÚ… ¥……Ãπ…EÚ |…∫i…÷i…“EÚÆ˙h…, B®… +…<« B∫… Returns to Reserve Bank of India is done
hIp∏v tiJ-cn-°p∂ ASn-ÿm\ hnh-cß - -  ¥…¶……M… ®…Â |…O… Ω˛i… +…∆EÚc˜…Â E‰Ú ®……v™…®… ∫…‰  EÚ™…… V……i…… through the data captured in the MIS
fn¬ \n∂mWv dnk¿hv _m¶v Hm^v C¥y°v Ω˲* <∫…E‰Ú  ±…B §…ÈEÚ BEÚ ∫…n˘∫™… Ω˲* ¶……Æ˙i…“™…  ÆW…˜¥…« Department. MIS Department, to a great
h¿jw tXmdpw t_kn°v Ãm‰n-Ãn-°¬ §…ÈEÚ EÚ…‰ +…v……Æ˙¶…⁄i… ∫……∆ŒJ™…EÚ“™…  ¥…¥…Æ˙ h…™…… EÚ“ ¥……Ãπ…EÚ extent, supplements the Bank level
dnt´¨kv ka¿∏n-°p-∂X - v. tIm¿ _m¶nwKv
|…∫i…÷ i… B®… +…< B∫…  ¥…¶……M… ®…Â |…O… Ω˛i… +…∆EÚb˜…Â E‰Ú information requirements by extracting the
kwhn[m\Øn¬ \n∂p≈ hnhc߃
tiJcn°pIbpw AhbpsS B¥cnIamb ®……v™…®… ∫…‰  EÚ™…… V……i…… Ω˲* EÚ…°Ú“ Ω˛n˘ i…EÚ EÚ…‰Æ˙ data from Core Banking System and
D]tbmK߃ ]pXp°pIbpw sNøp∂ §…ÈÀEÚM… |…h……±…“ ∫…‰ b˜…]ı… |……{i… EÚÆ˙EÚ‰ B®… +…< B∫… updating in-house applications.
XneqsS MIS hIp∏v henb Hcp ]cn[nhsc
_m¶v X e hnhcßfpsS e`yXsb
 ¥…¶……M… §…ÈEÚ ∫i…Æ˙ EÚ“ ∫…⁄S…x…… EÚ“ +{…‰I……+… EÚ“ {…⁄Ãi… 8. LEAD BANK SCHEME
EÚÆ˙i…… Ω˲ i…l…… +…xi… Æ˙EÚ EÚ…™……«x¥…™…x… +ti…x… EÚÆ˙i…… The Bank is shouldering Lead Bank
klmbn°p∂p.
Ω˲* responsibilities in three districts of Kerala
8. eoUv _m¶v ]≤Xn
8. +O…h…“ §…ÈEÚ ™……‰V…x…… State viz. Alappuzha, Kottayam and
tIc-fØ
- nse Be-∏p-g, tIm´-bw, ]Ø-\w-
Xn´ F∂o aq∂p Pn√-I-fn¬ _m¶v eoUv Pathanamthitta. The District Credit Plans
§…ÈEÚ E‰ÚÆ˙±… Æ˙…V™… E‰Ú i…“x…  W…±……Â ™……x…“ +…±…{{…÷π……,
_m¶v Npa- X e hln- ° p- ∂ p. 2008- ˛ 09 for the year 2008-09 were launched in our
tebv ° p≈ Pn√mhmbv ] m ]≤XnIƒ
EÚ…‰]¬ı]ı™…®… +…ËÆ˙ {…k…x…®… i…]¬ı]ı… ®…Â +O…h…“ §…ÈEÚ EÚ“ lead districts well in time. The various
bYmkbaw t\XrPn√Ifn¬ Bcw`n®p. §……v™…i…… EÚ…  x…¥……«Ω˛ EÚÆ˙ Æ˙Ω˛… Ω˲* ¥…π…« 2008-09 E‰Ú mandatory meetings in all the blocks of our
dnk¿∆v _m¶v am¿§\n¿t±ia\pkcn®v  ±…B  V…±…… @Òh… ™……‰V…x…… Ω˛®……Ɖ˙ +O…h…“  V…±…… ®… ∫…®…™… lead districts were conducted in
t\Xr Pn√Ifnse F√m tªm°pIfnepw {…Æ˙ +…Æ˙®¶… EÚ“ M…<« l…“* Ω˛®……Ɖ˙ +O…h…“  V…±…… E‰Ú ∫…¶…“ accordance with the guidelines issued by
hnhn[Xcw ao‰nwKpIƒ kwLSn
∏n°pIbp≠mbn. t\Xr Pn√Ifnse
§±……ÏEÚ…Â ®…  ¥… ¥…v… + x…¥……™…« §…Ë`ˆEÚ…Â ¶……Æ˙i…“™…  Æ˙W…¥…« RBI. Our Bank had conducted several
e£yan´ncn°p∂ kwL߃°p th≠n §…ÈEÚ E‰Ú  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ +…™……‰ V…i… EÚ“ M…<»* Developmental Programmes like
\ΩpsS _m¶v kwcw`I hnIk\ t{]m{Kmw, Ω˛®……Ɖ˙ §…ÈEÚ x…‰ +O…h…“  V…±…… ®…  ¥… ¶…z… ±…I™… ∫…®…⁄Ω˛… E‰Ú Entrepreneur Development Programmes,
]cnioe\w F∂nh t]msebp≈ At\Iw  ±…B +x…‰EÚ  ¥…EÚ…∫… EÚ…™…«GÚ®… V…Ë∫…‰ =t®…“  ¥…EÚ…∫… training etc., for different target groups in
hnImtkm∑pJ ]cn]mSnIƒ kwLSn∏n®p. the lead districts.
EÚ…™…«GÚ®…, |… ∂…I…h… +… n˘ +…™……‰ V…i…  EÚB l…‰*
C∏-d™ aq∂p Pn√-If - n-tebpw F√m kmº-
¥…π…« 2008-09 E‰Ú n˘…ÆË ˙…x… i…“x… +O…h…“  W…±……Â ®…Â ∫…¶…“ The total outlay under priority sector by
ØnI ÿm]-\ß - f- pw-IqSn 2008-˛09-˛¬ ap≥K-
W\m hn`m-Kß- ƒ°p \¬Inb hmbv] 7348  ¥…k…“™… ∫…∆∫l……x……Â u˘…Æ˙… |……l… ®…EÚi…… |……{i… I…‰j… E‰Ú +xi…M…«i… all financial institutions in the three Lead
tImSn cq]-bm-Wv. AXn¬ \ΩpsS _m¶ns‚ Districts for 2008-09 was Rs.7,348 crore,
E÷Ú±… {… Æ˙¥™…™… Ø˚.7,348 EÚÆ˙…c‰ ˜ l……  V…∫…®… ∫…‰ Ω˛®……Ɖ˙
hnlnXw 1608 tImSn cq]-bm-bn-cp-∂p. 2009˛10 of which our Bank’s share was Rs.1,608
§…ÈEÚ EÚ… +∆∂… Ø˚.1,608 EÚÆ˙…c‰ ˜ Æ˙Ω˛…* ∫…¶…“  ¥…k…“™…
h¿jtØ°v Cu aq∂p Pn√Iƒ°pambn crore. The estimated disbursement under
ap≥KW\mhmbv]m hn`mKØn≥ Iogn¬ ∫…∆∫l……+…Â u˘…Æ˙… ¥…π…« 2009-10 E‰Ú  ±…B <x… i…“x… Priority sector advances in these three
IW°m°nbn´p≈ hmbv ] m hnXcWw  V…±……Â ®…Â |……l… ®…EÚi…… |……{i… I…‰j… + O…®……Â E‰Ú +∆i…M…«i… Districts for the year 2009-10 by all financial
F√m [\Imcy ÿm]\ßfnepambn 8,735
+x…÷®…… x…i… ∫…∆ ¥…i…Æ˙h… Ø˚.8,735 EÚÆ˙…c‰ ˜ Ω˲  V…∫…®… §…ÈEÚ institutions is Rs.8,735 crore, of which the
tImSn cq]bmWv . AXn¬ _m¶ns‚
hnlnXw 1,841 tImSn cq]bmWv. AXmbXv E‰Ú ∂…‰™…Æ˙ EÚ… Ø˚.1,841 EÚÆ˙…c‰ ˜ Ω˲ V……‰ {… Æ˙¥™…™… EÚ… Bank’s share was Rs.1,841 crore, which
samØw hmbv]bpsS 21%. 21% Æ˙Ω˛…* constitutes 21% of the outlay.
25

9. kmº-Øn-I Dƒs∏-Sp-ج 9.  ¥…k…“™… +xi…¥…Ê∂…x… 9. FINANCIAL INCLUSION


(Financial Inclusion)
 ¥…k…“™… +xi…¥…Ê∂…x… E‰Ú BEÚ ¶……M… E‰Ú ∞¸{… ®… §…ÈEÚ, 31 As a part of Financial Inclusion, the Bank
kmº-ØnI Dƒs∏-Sp-Ø-ens‚ `mK-am-bn,
®……S…« 09 E‰Ú +x…÷∫……Æ˙ Ø˚. 125.77 EÚÆ˙…c‰ ˜ §…EÚ…™…… E‰Ú has opened 7,92,385 ‘Janapriya’ No-frills
31.03.09 hsc 792385 P\{]nb t\m˛{^n¬kv
A°u≠pIƒ XpSßnbn´p≠v . CXn¬ accounts with an outstanding of Rs.125.77
∫……l… 7,92,385 V…x… |…™…… "x……‰- £Ú±∫…' J……i…‰ J……‰±… {……™……* st
202,660 A°u≠pIƒ Cu h¿jw crore as on 31 March 2009, of which
Bcw`n®XmWv. 125.77 tImSn cq]-bmWv Cubn-  V…x…®… ∫…‰ 2,02,660 J……i…‰ ¥…π…« E‰Ú n˘…ÆË ˙…x… J……‰±…‰ M…B l…‰*
2,02,660 accounts were opened during the
\-Ønse \o°n-bn-cn-∏v. t\m˛{^n¬kv A°u- E‰ÚÆ˙±… Æ˙…V™… ®…Â x……‰  £Ú±∫… J……i……Â E‰Ú +xi…M…«i… §…EÚ…™……
≠n¬ \o°n-bn-cp-∏p≈ XpIsb kw_-‘n- year. In Kerala State we have a market share
®n- S - t Ømfw tIcf kwÿm- \ - Ø nse Æ˙… ∂… ®… Ω˛®……Æ˙… 72.4% §……W……Æ˙ +∆∂… Ω˲* of 72.4% of the amount outstanding under
\ΩpsS Itºmf Hmlcn 72.4% BWv.
 ¥…k…“™… +xi…¥…Ê∂…x… E‰Ú n⁄˘∫…Ɖ˙ S…Æ˙h… E‰Ú ∞¸{… ®…Â, Ω˛®…x…‰ No-frills accounts.
kmº-ØnI Dƒs∏-Sp-Øe - ns‚ c≠mw L´-
sa∂ \nebv°v kmº-ØnI hnZym-`ymkw /  ¥…k…“™…x…  ∂…I…… / ¥…k…“™…x… ∫……I…Æ˙i…… B¥…∆ @Òh… {…Æ˙…®…∂…« As a second stage of Financial Inclusion, we
kmº-ØnI km£-cX - , hmbv]m Iu¨k-
E‰Ú ∫…∆§…∆v… ®…  ¥… ¶…z… {…Ω˛±…  EÚB ΩÈ˛* <∫…®… {……j… B¥…∆ have taken various initiatives on Financial
enwKv F∂n-h-bv°p≈ At\Iw kwcw-`-
Education / Financial Literacy and Credit
߃ _m¶v \SØn. Bh- i y- ° m¿°pw W…∞¸Æ˙i… ®…∆n˘ EÚ…‰ ∫……®……x™… |…™……‰V…x… G‰Ú b˜]ı EÚ…b«˜¬∫… (V…“ ∫…“
A¿l- X - b p- ≈ - h ¿°pw hnhn- t [m- t ±iy Counseling. This includes sanctioning of
s{IUn‰v Im¿Up-Iƒ (GCC) A\p-hZ- n-°¬,
∫…“) EÚ“ ∫…∆∫¥…“EfiÚ i…, ∫¥…™…∆ ∫…Ω˛…™…i…… ∫…®…⁄Ω˛ =v……Æ˙ EÚ…‰
General Purpose Credit Cards (GCC) to
kzbw klm-bk - wL hmbv]m-]≤ - Xn i‡n- ®…W…§…⁄i… EÚÆ˙x……, EÚ…∂i…EÚ…Æ˙…Â §…∆]ı…<«n˘…Æ˙…Â EÚ…‰  ¥…k… B¥…∆ the eligible and the needy, strengthening
s∏-Sp-Ø-¬, ]m´-Ir-jn-°m¿°p [\-k-lm-
bw, C≥jp-d≥kv Dev]∂-ßf - psS hn]-W\w
§…“®…… =i{……n˘… EÚ…‰ V……Æ˙“ EÚÆ˙x…… ∂…… ®…±… Ω˲* Self Help Group lending, finance to tenant
F∂nh CXn-epƒs∏-Spw.
10. +…Ët…‰ M…EÚ {…÷x…¥……«∫… farmers and share croppers and issue of
10. hyh-km-b-ß-fpsS ]p\-cp-≤m-cWw insurance products.
{]h¿Ø-\k - m-≤y-Xb- p≈ ]oUnX hyh-km- §…ÈEÚ E‰Ú +…Œ∫i… |…§…∆v…x… ∫…∆§…∆v…“ o˘Œπ]ıEÚ…‰h… ®…Â, BEÚ ®…Ω˛i¥…{…⁄h…«
b-L-S-I-ß-fpsS ]p\-cp-≤m-cWw BkvXn- 10. INDUSTRIAL REHABILITATION
Æ˙h…x…“ i… E‰Ú ∞¸{… ®… +l…«I…®… Ø˚Mh… +…Ët…‰ M…EÚ <EÚ…<«™……Â
Iƒ ssIImcyw sNøp-∂X - n-\p-th≠nbp≈ Bank’s approach to asset management
_m¶ns‚ \bØn¬ Dƒs∏-Sp-∂p. 726 bqWn- EÚ… {…÷x…Ø˚il……x… EÚÆ˙x…… ∂…… ®…±… Ω˲* Ø˚. 465.22 EÚÆ˙…c‰ ˜
‰p-I-fn¬ ]p\-c-[n-hmk/]p\x-kw-L-S\m includes revival of viable sick industrial units
E‰Ú E÷Ú±… @Òh… V……‰ J…®… (BC∫…{……‰W…Æ˙) (B°Ú §…“ + Bx…
]mt°-Pp-Iƒ {]mh¿Øn-I-am-°nbn´p≠v. as an important strategy. Rehabilitation /
CXns‚ samØw FIvkvt]m-j¿ (FB + NFB) B°Ú §…“) E‰Ú ∫……l… 726 <EÚ…<™…… E‰Ú ∫…∆§…∆v… ®… {…÷x…¥……«∫… /
Restructuring packages are under
465.22 tImSn cq]-bm-Wv. AXn¬ 218.53 tImSn {…÷x…M…«`ˆx… {…ËEÚ‰ V… EÚ…™……«x¥…™…x… +v…“x… Ω˲*  V…∫…®… 11
cq]-bpsS samØw hmbv]bp≈ 11 bqWn-‰p- implementation in respect of 726 units with
Iƒ CDR kvIoanepw 176.03 tImSn cq]-bpsS <EÚ…<«™……ƒ Ø˚. 218.53 EÚÆ˙…c‰ ˜ E‰Ú BC∫…{……‰W…Æ˙ E‰Ú ∫……l… a total exposure (FB+NFB) of Rs.465.22
samØw hmbv]bp≈ 16 bqWn-‰p-Iƒ BIFR
∫…“ b˜“ +…Æ˙ ™……‰V…x…… E‰Ú i…Ω˛i… Ω˲, 16 <EÚ…<«™……ƒ Ø˚. crore, of which 11 units are under CDR
kvIoan- e pw, 31.66 tImSn cq]- b psS
FIvkvt]m-jd- p≈ 2 bqWn-‰p-Iƒ _m¶ns‚ 176.03 EÚÆ˙…c‰ ˜ E‰Ú BC∫…{……‰W…Æ˙ E‰Ú ∫……l… §…“ +…<« B°Ú scheme with exposure of Rs.218.53 crore,

Ak¬ ]eni hcpam\w


 x…¥…±… §™……V… +…™…
Net Interest Income

Rs.1,282.55 cr.

Rs.992.19 cr.

Rs.955.13 cr.
Rs.957.29 cr.

Financial inclusion, the “Smart” way………


Shri M K Nanjunda, General Manager (P&D), launching “SBT Smart Card” at
Nedumkandam, Idukki District
26

kvIoanepw 39 tImSn cq]bpsS FIvkv +…Æ˙ ™……‰V…x…… E‰Ú i…Ω˛i… Ω˲, i…l…… 2 <EÚ…<«™……ƒ Ø˚.31.66 16 units under BIFR scheme with exposure
t]mjdp≈ 697 bqWn‰pIƒ RBI bpw ]pXnb of Rs.176.03 crore, 2 units under Bank’s
EÚÆ˙…c‰ ˜ E‰Ú BC∫…{……‰W…Æ˙ E‰Ú ∫……l… §…ÈEÚ EÚ“ ™……‰V…x…… E‰Ú
dokv{SIvNdnwKv ]mt°Pv Dƒs∏-Spw. \S-∏p-
i…Ω˛i… Ω˲* i…l…… ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… P……‰ π…i… x…<« scheme with exposure of Rs.31.66 crore
h¿jw 39.26 tImSn cq]-bpsS FIvkvt]m-j-
dp≈ 2 ]pXnb bqWn-‰p-Iƒ CDR kwhn-[m- and 697 units with exposure of Rs.39 crore
{…÷x…M…« `ˆi… {…ËEÚ‰ V… E‰Ú +∆i…M…«i… 697 <EÚ…<™……Â EÚ…‰ Ø˚.39
\-Øn≥ Iogn¬ ]p\x-kw-LS- n-∏n-°s
- ∏-´p. under the new Restructuring Package
EÚÆ˙…c‰ ˜ EÚ… BC∫…{……‰W…Æ˙  n˘™…… M…™……* ¥…π…« E‰Ú n˘…ÆË ˙…x… 2
11. \njv{Inb B-kvXn-I-ƒ announced by RBI. During the year, 2 new
x…<« <EÚ…<«™……Â,  V…∫…®… Ω˛®……Æ˙˛… Ø˚.39.26 EÚÆ˙…‰c˜ EÚ… units were restructured under the CDR
ssIImcyw sNø¬
em`-km-≤y-X ap≥\n¿Øn BkvXn-I-fpsS
BC∫…{……‰W…Æ˙ Ω˲, EÚ…‰ ∫…“ b˜“ +…Æ˙ i…∆j… E‰Ú i…Ω˛i… {…÷x…M…« `ˆi… Mechanism in which the Bank has exposure
KpW-\n-eh - b∂ e£y-  EÚ™…… M…™……*
- m-cw sa®-s∏-Sp-Øp-Is to the tune of Rs.39.26 crore.
tØm-sS, \njv{Inb BkvXn-Ifpw (NPA),
AUC Ifpw ssIImcyw sNøp-∂X - n\pw Xncn- 11. +x…V…«EÚ {… Æ˙∫…∆{… i…™……Â EÚ… |…§…∆v…x… 11. MANAGEMENT OF NPAs
®p-]n-Sn-°p-∂X - n\pw _m¶v {]Ya ]cn-KW - \ §…ÈEÚ, +…Œ∫i…™…… EÚ“ M…÷h…¥…k…… +…ËÆ˙ ±……¶…|…n˘i…… ®… ∫…÷v……Æ˙ The Bank gives topmost priority to NPA
\¬Ip- ∂ p. D∂X A[n- I m- c n- I ƒ Cu
±……x…‰ E‰Ú =q‰˘∂™… ∫…‰ Bx… {…“ B |…§…∆v…x… i…l…… +x…V…«EÚ management and recovery of Non-
Bkv X n- I sf \nc¥cw Ah- t em- I \w
sNbvXv XpS¿\-S] - S- n-Iƒ ssIs°m-≈p-∂p. Performing Assets (NPA) and Advance
+…Œ∫i…™…… (Bx… {…“ B) +…ËÆ˙ ¥…∫…⁄±…“ J……i…… E‰Ú +xi…M…«i…
DRT tIkp- I ƒ aptJ- \ bpw 2002- ˛ se Under Collection (AUC) accounts, with a
+ O…®… (B ™…⁄ ∫…“) EÚ“ ¥…∫…⁄±…“ EÚ…‰ ∫…¥……ÊSS… |……l… ®…EÚi……
SARFAESI BIvSv hIp-∏p-Iƒ {]Im-chpw Xncn- view to improve the asset quality and
®p- ] n- S n- ° ¬ {]{Inb \S- Ø n- h - c p- ∂ p. n‰˘i…… Ω˲* ∂…“π…« |…§…xv…x… u˘…Æ˙… <x… +…Œ∫i…™…… EÚ“  x…Æ˙xi…Æ˙ profitability. These assets have been
_m¶ns‚ HØp-Xo¿∏p ]≤-Xn-b-\p-k-cn®v ∫…®…“I…… EÚ“ V……i…“ Æ˙Ω˛“ Ω˲ +…ËÆ˙ =∫…EÚ… +x…÷¥…i…«x…  EÚ™…… frequently reviewed and followed up by
temIv AZm-eØ - v, _m¶v AZm-eØv F∂n-
h-bn-eq-sSbpw kvs{S vUv As ‰vkv Xo¿∏m- V……i…… Æ˙Ω˛… Ω˲* b˜“ +…Æ˙ ]ı“ ®……®…±…… EÚ…‰  x…Æ˙xi…Æ˙ +x…÷¥…i…«x… the management functionaries at various
°m≥ Du¿÷n-X{- iaw \S-Øp-Ib - p-≠m-bn. u˘…Æ˙… +…ËÆ˙ ∫…Æ˙°Ú…B∫…“ (B∫… B +…Æ˙ B°Ú B <« B∫… +…<«) levels. Recoveries are also made by
\njv{Inb BkvXn-Iƒ ]cn-an-Xn-s∏-Sp-Øp-∂- + v… x…™…®… 2002 +… n˘ E‰Ú |……¥…v……x……Â EÚ… ={…™……‰M… EÚÆ˙i…‰ constant follow-up of the DRT cases, and
Xn\v Ask‰vkv doI¨kv{S-Ivj≥ Iº-\n- also by invoking the provisions of SARFAESI
Iƒ°v kvs{S vUv Ak-‰p-Iƒ hn¬°p- Ω÷˛B ¶…“ ¥…∫…⁄±…“ EÚ“ M…<«* §…ÈEÚ EÚ“ ∫…®…Z……Ëi…… ™……‰V…x……,
Act 2002 etc. Settlement of Stressed Assets
Ibpw sNbvXp. ±……‰EÚ +n˘…±…i… B¥…∆ §…ÈEÚ +n˘…±…i… E‰Ú ®……v™…®… ∫…‰ n˘§……¥…O…∫i…
through Compromise Scheme of the Bank,
\njv{Inb BkvXn-I-fpsS iX-am\w 2008 +…Œ∫i…™…… E‰Ú  x…{…]ı…x… E‰Ú EÚ…®… {…⁄Æ˙‰ V……‰Æ˙∂……‰Æ˙ E‰Ú ∫……l…
am¿®n¬ samØw hmbv]IfpsS 2.01 Bbn- Lok Adalat and Bank Adalat was taken up
cp-∂Xv 31 am¿®v 09-˛¬ 36 bps Ipd™v 1.65  EÚ™…… M…™……* +x…V…«EÚ +…Œ∫i…™…… EÚ…‰  x…™…∆ j…i… EÚÆ˙x…‰ E‰Ú vigorously. The sale of Stressed Assets to
Bbn. \S-∏p-h¿jm-h-km-\-ap≈ samØw  ±…B {… Æ˙∫…®{… k… {…÷x…Ãx…®……«h… E∆Ú{… x…™…… EÚ…‰ n˘§……¥…O…∫i… Asset Reconstruction Companies was also
\njv{Inb BkvXn 544.39 tImSn cq]-bm-Wv. +…Œ∫i…™…… EÚ…  ¥…GÚ™… ¶…“  EÚ™…… M…™……* made to contain the NPAs.
hmbv ] - I - f psS A‰- a q- e y- Ø n¬ A‰
\njv{Inb BkvXn-I-fpsS iX-am\w 2008 ∫…EÚ±… + O…®……Â EÚ“ i…÷±…x…… ®…Â ∫…EÚ±… Bx… {…“ B EÚ… The percentage of Gross NPAs to Gross
am¿®v 31-˛\v 0.95% Bbn-cp-∂X - v, 0.58% Bbn |… i…∂…i… 31 ®……S…« 2008 EÚ…‰ Œ∫l…i… 2.01% ∫…‰ 36 Advances declined by 36 bps from 2.01%
st
Ipd-™p. \njv{Inb BkvXn-I-fpsS A‰-
§…“ {…“ B∫… P…]ıEÚÆ˙ 1.65% Ω˛…‰ M…™…… +…ËÆ˙ ∫…EÚ±… Bx… as on 31 March 2008 to 1.65%, with the
aqeyw 188.38 tImSn cq]-bm-Wv. Gross NPA level at Rs. 544.39 crore as on
12. B¥cnI \nb{¥W {…“ B EÚ… ∫i…Æ˙ 31 ®……S…« 2009 E‰ Ú +x…÷ ∫ ……Æ˙ st
31 March 2009.
kwhn[m\hpw \nco£Whpw Ø˚. 544.39 EÚÆ˙…c‰ ˜ Ω˛…‰ M…™……*
12.1. C‚-t{K-‰Uv dnkvIv amt\-Pvsa‚ v The percentage of Net NPA to Net
 x…¥…±… + O…®……Â EÚ“ i…÷±…x…… ®…Â  x…¥…±… Bx… {…“ B EÚ… advances was brought down from 0.95%
s{IUn‰v dnkv°v, Hm∏-td-j-W¬ dnkv°v, st
am¿°‰v dnkvIv, enIzn-Un‰n dnkvIv, s{IUn‰v
|… i…∂…i… 31 ®……S…« 2008 EÚ…‰ Œ∫l…i… 0.95% ∫…‰ P…]ıEÚÆ˙ as on 31 March 2008 to 0.58%, with net
tIm¨k≥t{S-j≥ dnkvIv, ]eni \nc°v 0.58% Ω˛…‰ M…™…… +…ËÆ˙  x…¥…±… Bx… {…“ B EÚ… ∫i…Æ˙ Ø˚. NPA level at Rs.188.38 crore.
dnkv I v F∂n- ß s\ ]e- X - c - Ø n- e p- ≈ 188.38 EÚÆ˙…c‰ ˜ Ω˛…‰ M…™……*
\jvSkm[yX-Iƒ t\cnSp∂Xn-\mbn C‚-t{K- 12. INTERNAL CONTROL
‰Uv dnkvIv amt\-Pvsa‚ v knÃw _m¶n¬ 12. +…xi… Æ˙EÚ  x…™…∆j…h… {…r˘ i… B¥…∆ {…™…«¥…‰I…h… SYSTEMS & SUPERVISION
\S-∏n-em-°n. \nt£]IcpsSbpw \nb-{¥-I-
cp- s Sbpw hyXy- k v X - ß - f mb Bh- i y- 12.1 BEÚ“EfiÚi… V……‰ J…®… |…§…∆v…x… 12.1 Integrated Risk Management
߃°\pkrXambn hniZamb kmt¶XnI In order to face the multitude of risks in
@Òh… V……‰ J…®…, {… Æ˙S……±…x……i®…EÚ V……‰ J…®…, §……W……Æ˙ V……‰ J…®…,
{IaoIcWßtfmsSbpw bYmXYamb the form of Credit Risk, Operational Risk,
ho£WtØmsSbpw kmºØnI aqe[\w S…±… x… v… V……‰ J…®…, @Òh… E‰ÚŒxp˘i… V……‰ J…®…, §™……V… n˘Æ˙
Market Risk, Liquidity Risk, Credit
kzcq]n°m\pw XZ\pkrXamb hcpam\ V……‰ J…®… E‰Ú ∞¸{… ®… =∫…“ |…EÚ…Æ˙ E‰Ú EÚ<« V……‰ J…®…… EÚ…
h¿[\hv Dd∏m°m\pap≈ C‚- t {K- ‰ Uv Concentration Risk, Interest Rate Risk and
dnkvIv amt\-Pvsa‚ v knÃw \S∏nem°n. Hcp ∫……®…x…… EÚÆ˙x…‰ E‰Ú  ±…B §…ÈEÚ BEÚ BEÚ“EfiÚi… V……‰ J…®… the like, the Bank has been implementing
hy‡-amb IRM ImgvN∏mSpw ZuXyhpw |…§…∆v…x… |…h……±…“ ±……M…⁄ EÚÆ˙ Æ˙Ω˛… Ω˲* BEÚ“EfiÚi… V……‰ J…®… an Integrated Risk Management System across
27

anI® dnkv I v Kth¿W≥kv kv { SIv ® - d n- |…§…∆v…x… (+…<« +…Æ˙ B®…) |…h……±…“ §…ÈEÚ EÚ…‰ V……‰ J…®……Â EÚ… the Bank. The Integrated Risk Management
s‚bpw IRM t]mfn-kn-bp-sSbpw klm-b- BEÚ Ω˛…‰ ±…Œ∫]ıEÚ o˘Œπ]ıEÚ…‰h… Æ˙J…x…‰ ®… ∫…Ω˛…™…i…… EÚÆ˙i…… (IRM) System facilitates the Bank to have a
Øm¬ \S-∏n-em-bn. Ω˲* V……‰ J…®… ∫…®……™……‰ V…i… |… i…°Ú±… EÚ…‰ §…g¯…x…‰ ®… V……‰ J…®… holistic view of risks, decide within risk-return
_m¶n¬ Hcp dnkvIv amt\-Pvsa‚ v knÃw \S- |… i…°Ú±… ∫……ƒS…‰ E‰Ú +xn˘Æ˙ i…™… EÚÆ˙x……, +…Ãl…EÚ {…⁄ƒV…“ {…Æ˙ matrix to maximize risk-adjusted returns,
∏n-em-°m-\p≈ DØ-c-hm-ZnXzw UbdIvS¿ arrive at Economic Capital, thus balancing the
{…Ω÷ƒ˛S…x……, <∫… |…EÚ…Æ˙  x…¥…‰∂…EÚ +…ËÆ˙  ¥… x…®…™…EÚ…Â EÚ“ diverse needs of investors and regulators. A
t_m¿Un-\p-≠v. B`y-¥c - a
- mb dnkvIv amt\- EÚ<« i…Æ˙Ω˛ EÚ“ +…¥…∂™…EÚi……+…Â EÚ…‰ ∫…∆i…÷ ±…i… EÚÆ˙x……* clear IRM Vision and Mission, supported by
Pvsa‚ v \bhpw X{¥hpw Xocp-am-\n-°p∂ BEÚ ∫……°Ú +…<« +…Æ˙ B®… o˘Œπ]ı +…ËÆ˙ ®…W…§…⁄i… V……‰ J…®… sound Risk Governance Structure and IRM
As∏Ivkv t_m-Un-bmWv t_m¿Un\p Iogn-
 x…™…∆j…h… f¯…ƒS…‰ u˘…Æ˙… ∫…®…Ãl…i… n˘…Ëi™… +…ËÆ˙ +…<« +…Æ˙ B®… policy, are in place.
ep≈ dnkvIv amt\-Pvsa‚ v I-Ωn‰n (RMCB).
RMCB bv°p Iogn¬ Xmtg-Ø´ - n¬ s{IUn‰v
x…“ i… EÚ…™……«x¥…™…x… ®… Ω˲* The Board of Directors has the overall
§…ÈEÚ ®…Â BEÚ V……‰ J…®… |…§…∆v…x… |…h……±…“ ±……M…⁄ EÚÆ˙x…‰ EÚ“ responsibility to implement a Risk
dnkvIv amt\-Pvsa‚ v IΩn‰n (CRMC), am¿°‰v
{…⁄Æ˙“  V…®®…‰n˘…Æ˙“  x…n‰˘∂…EÚ §……‰b˜« EÚ“ Ω˲* §……‰b˜« EÚ… V……‰ J…®… Management System in the Bank. Under
dnkv I v amt\- P v s a‚ v IΩn‰n ( MRMC),
the Board, Risk Management Committee
Hm∏tdjW¬ dnkvIv amt\-Pvsa‚ v IΩn‰n |…§…∆v…x… ∫… ®… i…, +…∆i… Æ˙EÚ V……‰ J…®… |…§…∆v…x… E‰Ú  ±…B E‰Ú of the Board (RMCB) is the apex body to
(ORMC) F∂n-h- bYm-{Iaw s{IUn‰v dnkvIv, i…Ω˛i… ∫…Ω˛“ x…“ i…  x…v……«Æ˙h… +…ËÆ˙ ={…™…÷HÚ x…“ i… +…ËÆ˙ decide appropriate policy and strategy for
am¿°‰v dnkv I v , Hm∏- t d- j - W ¬ dnkv I v Æ˙h…x…“ i… i…™… EÚÆ˙x…‰ E‰Ú  ±…B ∂…“π…«  x…EÚ…™… Ω˲* +…Æ˙ internal risk management. Subordinated to
F∂nh ssIImcyw sNøp-∂p. B®… ∫…“ §…“ E‰Ú +v…“x…∫l… @Òh… V……‰ J…®… |…§…∆v…x… ∫… ®… i… RMCB, Credit Risk Management
Cu kmº- Ø nI h¿jw t_m¿Uns‚ (∫…“ +…Æ˙ B®… ∫…“), §……W……Æ˙ V……‰ J…®… |…§…∆v…x… ∫… ®… i… Committee (CRMC), Market Risk
dnkvIv amt\-Pvsa‚ v IΩn‰n (RMCB) Bdp-X- (B®… +…Æ˙ B®… ∫…“), +…ËÆ˙ {… Æ˙S……±…x……i®…EÚ V……‰ J…®… Management Committee (MRMC) and
hW tbmKw tN¿∂p. Cu Ime-b-f-hn¬ Operational Risk Management Committee
|…§…∆v…x… ∫… ®… i… (+…‰ +…Æ˙ B®… ∫…“) UÙ…]‰ ı‰ ∫i…Æ˙ {…Æ˙ @Òh…
s{IUn‰v dnkvIv amt\-Pva‚ v IΩn‰n (CRMC), (ORMC) are in place to manage Credit
V……‰ J…®…, §……W……Æ˙ V……‰ J…®… +…ËÆ˙ {… Æ˙S……±…x……i®…EÚ V……‰ J…®… Risk, Market Risk and Operational Risk
am¿°‰v dnkvIv amt\-Pva‚ v IΩn‰n (MRMC),
Hm∏-td-jW- ¬ dnkvIv amt\-Pvsa‚ v IΩn‰n ¥™…¥…Œ∫l…i… EÚÆ˙x…‰ E‰Ú  ±…B Ω˲* respectively at the granular level.
(ORMC) F∂nh bYm-{Iaw H≥]-Xpw, Bdpw  ¥…k…“™… ¥…π…« E‰Ú n˘…ËÆ˙…x… §……‰b«˜ EÚ“ V……‰ J…®… |…§…∆v…x… The Risk Management Committee of the
F´pw {]mhiyw tbmKw tNcp-Ib - p-≠m-bn. ∫… ®… i… (+…Æ˙ B®… ∫…“ §…“) EÚ“ §…Ë`ˆEÚ UÙΩ˛ §……Æ˙ Ω˛…‰ Board (RMCB) has met six times during the
B¥cnI aqe[\ ]cym]v X X \nKa\ S…÷EÚ“ Ω˲* @Òh… V……‰ J…®… |…§…∆v…x… ∫… ®… i… (∫…“ +…Æ˙ B®… Financial Year. The Credit Risk Management
{]{Inb kw_‘n® {]amW߃ ]n√¿ II ∫…“) §……W……Æ˙ V……‰ J…®… |…§…∆v…x… ∫… ®… i… (B®… +…Æ˙ B®… Committee (CRMC), Market Risk
hns‚ BhiyIXb\pkcn®v Xømdm°n Management Committee (MRMC) and
∫…“) i…l…… {… Æ˙S……±…x……i®…EÚ V……‰ J…®… |…§…∆v…x… ∫… ®… i…
RBI bv°v ka¿∏n®n´p≠v. Cu {]{Inb tÉv
Operational Risk Management Committee
(+…‰ +…Æ˙ B®… ∫…“) EÚ“ §…Ë`ˆEÚÂ <∫… +¥… v… E‰Ú n˘…ÆË ˙…x… (ORMC) have met nine, six and eight times
_m¶v {Kq∏ns‚ BhiyIXbv°\p GÚ®…∂…& x……Ë, UÙΩ˛ +…ËÆ˙ +…`ˆ §……Æ˙ Ω÷˛<*«∆ respectively during the period.
kcn®mWv Xømdm°nbn´pffXv.
Hm∏tdj\¬ dnkvIv ]cn]me\Øn\mbn +…xi… Æ˙EÚ {…⁄Vƒ …“ {…™……«{i…i…… ®…⁄±™……∆EÚx… |… GÚ™…… (+…<« ∫…“ The Internal Capital Adequacy Assessment
_m¶v dnkv I v B‚ v It{≠mƒ sk¬^v B B {…“) n˘∫i……¥…‰W…  {…±±…Æ˙ - I1 EÚ“ +…¥…∂™…EÚi……+… Process (ICAAP) document has been
A kvsa‚ v (RCSA) ]q¿Ønbm°n H∂mw E‰Ú +x…÷∞¸{… i…Ë™……Æ˙  EÚ™…… M…™…… +…ËÆ˙ ¶……Æ˙i…“™…  Æ˙W…¥…« prepared in accordance with the Pillar-II
L´Øn¬ 93 imJIfnepw slUv §…ÈEÚ EÚ…‰ |…∫i…÷i…  EÚ™…… M…™……* +…<« ∫…“ B B ¥…“ EÚ…‰ requirements and has been submitted to
RBI. The ICAAP has been aligned with that
Hm^oknse 14 Un∏m¿´psa‚pIfnepw ∫]‰ı]ı §…ÈEÚ ∫…®…⁄Ω˛ ®… ∫…Œ®®… ±…i… EÚÆ˙  n˘™…… M…™……* §…ÈEÚ x…‰
of State Bank Group. The Bank has
c≠mw L´Øn¬ 73 imJIfnepw \S∏m°n. {… Æ˙S……±…x…M…i… V……‰ J…®… E‰Ú |…§…∆v…x… E‰Ú  ±…B S…Æ˙h… - I completed Risk and Control Self
tijn°p∂ imJIƒ aq∂mw L´Øn¬ E‰Ú +xi…M…«i… 93 ∂……J……+…Â +…ËÆ˙ |…v……x… EÚ…™……«±…™… E‰Ú Assessment (RCSA) for the management
2009˛10 ¬ Cu {]{Inbbv ° p Iogn¬ 14  ¥…¶……M……Â EÚ…‰ i…l…… S…Æ˙h…-II ®…Â 73 ∂……J……+…Â EÚ… of Operational Risk in 93 branches and 14
hcp∂XmWv. Head Office Departments under Phase-I
V……‰ J…®… B¥…∆  x…™…∆j…h… ∫¥…®…⁄±™……∆EÚx… (+…Æ˙ ∫…“ B∫… B)
12.2 BkvXn _m≤yXm ssIImcyw {…⁄Æ˙…  EÚ™…… Ω˲* ∂…‰π… ∂……J……+… EÚ…‰ ¥…π…« 2009-10 E‰Ú and in 73 branches as part of Phase-II. The
sNø¬ n˘…ÆË ˙…x… S…Æ˙h… - III ®… ∫…Œ®®… ±…i…  EÚ™…… V……BM……* remaining branches will be covered under
dnk¿hv _m¶v Hm^v C≥Uy \¬Inbn´pff Phase-III during 2009-10.
12.2 +…Œ∫i… n‰˘™…i…… |…§…∆v…x…
am¿§ \n¿t±ißf\pkcn®v 1999 G{]n¬ 1 12.2 Asset Liability Management
apX¬ BkvXn _m≤yXm amt\Pvsa‚ v 1 +|…˱… 1999 ∫…‰ |…¶……¥…“ +…Œ∫i… n‰˘™…i…… |…§…∆v…x… The Asset Liability Management System,
knÃw \S∏m°nbn´p≠v . amt\PnwKv |…h……±…“ ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙…  x…v……« Æ˙i… ®……M…«- implemented effective from April 1, 1999,
UbdIvS¿ \bn°p∂ BkvXn _m≤yXm  x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ EÚ…™…« EÚÆ˙ Æ˙Ω˛“ Ω˲* |…§…xv…  x…n‰˘∂…EÚ is functioning as per the guidelines
kanXn IrXyambn IqSmdp≠v. _m¶ns‚ u˘…Æ˙… x…‰i…fii¥… EÚ“ V…… Æ˙Ω˛“ +…Œ∫i… n‰˘™…i…… ∫… ®… i… (B prescribed by Reserve Bank of India. The
s_©vam¿°v ss{]w se≥UnwKv \nc°v Asset Liability Committee (ALCO) headed
B±… ∫…“ +…‰) EÚ“ §…Ë`ˆEÚ  x…™… ®…i… ∞¸{… ∫…‰ Ω˛…i‰ …“ Ω˲*
(BPLR) Dƒs∏sSbpff hnhn[ ]eni by Managing Director meets regularly.
§…ÈEÚ EÚ… +…v……Æ˙ x™…⁄x…i…®… =v……Æ˙ n˘Æ˙ (§…“ {…“ B±… +…Æ˙)
\nc°pIƒ ]p\¿ \n¿Wbn°p∂ Various interest rate revisions, including the
Xns\°pdn®v N¿® sNøp∂Xpw Xocpam\ E‰Ú ∫…∆∂……‰v…x… ∫… Ω˛i…  ¥… ¶…z… §™……V… n˘Æ˙ ∫…∆∂……‰v…x… {…Æ˙ revision of the Benchmark Prime Lending
saSp°p∂Xpw Bkv X n _m≤yXm S…S……« EÚ“ V……i…“ Ω˲ +…ËÆ˙ +±…EÚ…‰ (BB±…∫…“+…‰) u˘…Æ˙… Rate (BPLR) of the Bank, are discussed and
kanXnbmWv.  x…h…«™…  ±…™…… V……i…… Ω˲* decided by the ALCO.
28

12.3 ]cn-tim-[-\bpw ta¬t\m-´hpw 12.3  x…Æ˙“I…h… +…ËÆ˙ {…™…«¥…‰I…h… 12.3 Inspection and Supervision
]cn- t im- [ \m hn`m- K - Ø nse RBS sk¬
§…ÈEÚ x…‰  x…Æ˙“I…h…  ¥…¶……M… ®…Â +…Æ˙ §…“ B∫… EÚI… E‰Ú The Bank has put in place an effective
aptJ\ \-jvSk - w-`mhyX ASn-ÿm-\a - m-°n- institutional mechanism for Risk Based
bp≈ ta¬t\m-´-Øn\v ^e-{]-Z-amb Hcp ®……v™…®… ∫…‰ V……‰ J…®… +…v…… Æ˙i… {…™…«¥…‰I…h… E‰Ú  ±…B BEÚ
Supervision through RBS Cell in Inspection
kwhn-[m\w _m¶v G¿s∏-Sp-Øn. RBS˛\p |…¶……¥…∂……±…“ ∫…∆∫l……M…i… i…∆j… ∫l…… {…i…  EÚ™…… Ω˲*  ¥… x…™……®…EÚ
Department. As envisaged by the
Iogn¬ 2003 G{]n¬ 1 apX¬ \jvS-kw- u˘…Æ˙… {… Æ˙EÚŒ±{…i… +x…÷∫……Æ˙, §…ÈEÚ x…‰ +…Æ˙ §…“ B∫… E‰Ú
`mhyXm tI{µo- I rX B¥- c nI HmUn‰v regulator, the Bank introduced Risk
(RFIA) _m¶n¬ \S-∏n-em-°n-bX +xi…M…«i… 1 +|…˱… 2003 ∫…‰ V……‰ J…®… ∫…∆E‰ÚŒxp˘i…
- n¬, _nkn- Focused Internal Audit (RFIA) under RBS
st
\ v am\-ZW - vUß - sf \jvSk +…xi… Æ˙EÚ ±…‰J…… {…Æ˙“I…… +…Æ˙®¶… EÚ“.  V…∫…®… EÚ…Æ˙§……Æ˙
- w-`mhy-Xm-am- w.e.f. 1 April 2003, wherein business
\-ZW
- vUß - f - n¬ \n∂p th¿Xn-cn-®n-´p-≠v.
®……x…n∆˘b˜… EÚ…‰ V……‰ J…®… ®……x…n∆˘b˜… ∫…‰ +±…M… EÚÆ˙  n˘™…… parameters have been de-linked from the
IrXy-amb B¥-cnI \nco-£-W-Øn-\p-]p- M…™……* Risk parameters.
dsa {lkz HmUn-‰v, A\p-]m-e\ HmUn-‰v, In addition to the regular internal
BIkvanI \nco-£W - w, tkmW¬ Hm^o-  x…™… ®…i… +…∆i… Æ˙EÚ  x…Æ˙“˙I…h……Â E‰Ú + i… Æ˙HÚ, +…∆S… ±…EÚ
inspections, Short Audit, Compliance Audit,
kp-I-fnepw slUv Hm^o-knse hn`m-K-ß- EÚ…™……«±…™……Â EÚ… +±{… ±…‰J…… {…Æ˙“I……, +x…÷{……±…x… ±…‰J……
fnepw knÃw HmUn‰v F∂o HmUn-‰p-Iƒ Surprise Inspection, System Audit of Zonal
\nco-£W hn`mKw \S-Øp-Ib - p-≠mbn.
{…Æ˙“I……, +S……x…EÚ  x…Æ˙“I…h…, |…h……±…“ ±…‰J…… {…Æ˙“I…… i…l…… Offices and Head Office departments, etc.
tIm¿ _m¶nwKv kwhn-[m-\Ø - n-te°p ]cn- |…v……x… EÚ…™……«±…™… E‰Ú  ¥…¶……M……Â +… n˘ EÚ…  x…Æ˙“I…h…,  x…Æ˙“I…h… are conducted by the Inspection
h¿Ø\w sNbvXX - ns‚ ^e-am-bn, HmUn‰v  ¥…¶……M… u˘…Æ˙… +…™……‰ V…i…  EÚ™…… V……i…… Ω˲* Department.
dnt∏m¿´ns‚ cq]-Ønepw td‰nwKv k{º-Zm- With the migration to the technology based
b-Ønepw imJ-If
Ω˛®……Ɖ˙ §…ÈEÚ ®… |……Ët…‰ M…EÚ“ +…v…… Æ˙i… EÚ…‰Æ˙ §…ÈÀEÚM… |…h……±…“
- psS Xcw-Xn-cn-°¬ kwhn-
EÚ…‰ +{…x……x…‰ E‰Ú ∫……l… Ω˛“, +…Æ˙ B°Ú +…<« B EÚ…‰ ±…‰J…… CORE Banking System in our Bank, the
[m- \ - Ø nepw ]cn- t im- [ \- b psS Ime- b -
fhnepw am‰w hcpØn RFIA ]cn-jvI-cn-®p. RFIA was revamped by way of revision in
{…Æ˙“I……  Æ˙{……‰]ı« |……∞¸{…, ∏…‰h…“  x…v……«Æ˙h… i…∆j…, ∂……J……+… EÚ…
Iºyq-´¿ HmUn-‰ns‚ ÿm\Øv C≥^¿ta- Audit Report Formats, rating mechanism,
∫…®…⁄Ω˛“EÚÆ˙h…,  x…Æ˙“I…h… EÚ… x…®…⁄x…… S…™…x… B¥…∆ +…¥… v…EÚi……
j≥ knÃwkv HmUn‰v \S-∏n-em-°p-I-bpw, grouping of branches, sampling and
®…Â ∫…∆∂……‰v…x… E‰Ú u˘…Æ˙… {…÷x…M…« `ˆi…  EÚ™…… M…™……* ∫…⁄S…x……
IS HmUn- ‰ n\v C≥- k v s ]- I v j ≥ Un∏m¿´p- periodicity of Inspection. The Information
sa‚n¬ Hcp ]pXnb sk¬ cq]o-I-cn-°p- |…h……±…“ ±…‰J…… {…Æ˙“I…… EÚ®{™…⁄]ıÆ˙ ±…‰J…… {…Æ˙“I…… E‰Ú ∫l……x… System Audit replaced the Computer
Ibpw sNbvXp. \S-∏p-h¿jw slUv-Hm-^o-
knse MIS Un-∏m¿´p-sa‚ v Xncp-h\ {…Æ˙ +… M…<« +…ËÆ˙ ∫…⁄S…x…… |…h……±…“ ±…‰J…… {…Æ˙“I…… E‰Ú  ±…B
- ¥
- ]
- pcw Audit, and a new Cell for IS Audit was
tkmWnse EDP sk√pw \mep imJ-Ifpw  x…Æ˙“I…h…  ¥…¶……M… ®… Ω˛“ BEÚ x…™…… EÚI… §…x……  n˘™…… M…™……* formed within the Inspection Department.
IS HmUn-‰n\p hnt[-ba - m-°n. ∫…®…“I……v…“x… ¥…π…« E‰Ú n˘…ÆË ˙…x…, |…v……x… EÚ…™……«±…™… ®…Â B®… During the year under review, MIS
12.4 s{IUn‰v HmUn‰v department at HO, EDP cell in
+…<« B∫…  ¥…¶……M… EÚ…,  i…Ø˚¥…x…xi…{…÷Æ˙®… +∆S…±… ®… <« b˜“
_m¶ns‚ BkvXn-If - psS KpWw sa®-s∏-Sp- {…“ EÚI… EÚ… i…l…… S……Æ˙ ∂……J……+…Â EÚ… +…<« B∫… ±…‰J…… Thiruvananthapuram Zone and four
Øp- I - s b∂ e£y- t Øm- s S, h≥InS branches were subjected to IS Audit.
hmbv ] m A°u- ≠ p- I - f psS ssIImcyw {…Æ˙“I…… EÚ“ M…<«*
12.4 Credit Audit
sNø¬, hmbv]m AhtemI\w ssIImcyw
12.4 @Òh… ±…‰J…… {…Æ˙“I…… The audit of loan appraisal and
sNø¬ F∂nhbpsS HmUn‰v , s{IUn‰v
HmUn‰v hn`mKw ssIImcyw sNøp∂p. 2 @Òh… ±…‰J…… {…Æ˙“I……  ¥…¶……M…, §…ÈEÚ EÚ“ +…Œ∫i… M…÷h…¥…k…… EÚ…‰ administration for high value credit accounts
tImSn cq]bpw AXn¬ IqSp-Xepw samØw ∫…÷v……Æ˙x…‰ E‰Ú =q‰˘∂™… ∫…‰ @Òh… ®…⁄±™……∆EÚx… EÚ“ ±…‰J…… {…Æ˙“I…… with the aim of improving the asset quality
hmbv ] m- ] - c n- [ n- b p≈ A°u- ≠ p- I - f mWv
i…l…… =SS… ®…⁄±™… @Òh… J……i…… EÚ… ∫…∆S……±…x… EÚÆ˙i…… Ω˲* Ø˚. of the Bank is undertaken by the Credit
s{IUn‰v HmUn-‰n\p hnt[-ba - m-°p-∂X
- v. A\p- Audit Department. Accounts with total
aXn \¬Ip-∂X - n\p apºpw AXn-\p-ti-jh - p- 2 EÚÆ˙…c‰ ˜ +…ËÆ˙ =∫…∫…‰ >{…Æ˙ ¥……±…“‰ E÷Ú±… BEÚ∫{……‰W…Æ˙ ∫…‰
exposure of Rs.2 crore and above are
ap≈ khn-ti-jX - I
- ƒ IW-°n-se-SpØv \S- ™…÷HÚ J……i…… EÚ…‰ @Òh… ±…‰J…… {…Æ˙“I…… E‰Ú +xi…M…«i… ∫…Œ®®… ±…i… covered under Credit Audit. The
∏p-h¿jw 565 A°u-≠p-I-fpsS HmUn-‰v,  EÚ™…… M…™……*  ¥…¶……M… x…Â ∫¥…“EfiÚ i…{…⁄¥…« B¥…∆ ∫¥…“EfiÚi……‰k…Æ˙
Un∏m¿´p-sa‚ v ]q¿Øn-bm-°p-I-bp-≠m-bn. Department conducted audit of 565
sXc- s ™- S p- ° s∏´, 2 tImSn cq]- b n¬ {…º±…÷+… EÚ…‰ ±…‰i…‰ Ω÷˛B ¥…π…« E‰Ú n˘…ÆË ˙…x… 565 J……i…… EÚ“ accounts during the year, covering the pre-
Ipd™ 32 A°u- ≠ p- I - f psS s{IUn‰v ±…‰J…… {…Æ˙“I…… EÚ“*  ¥…¶……M… x…‰ ¥…π…« E‰Ú n˘…ÆË ˙…x… x…®…⁄x…… sanction and post sanction aspects. The
HmUn‰pw \S-∏p-h¿jw Un∏m¿´p-sa‚ v \S- +…v……Æ˙ {…Æ˙ Ø˚. 2 EÚÆ˙…c‰ ˜ ∫…‰ EÚ®… BC∫…{……‰W…Æ˙ ¥……±…‰ 32 department had also conducted credit audit
Øn-bn-´p-≠v. of 32 accounts with exposure below Rs.2
J……i……Â EÚ“ @Òh… ±…‰J…… {…Æ˙“I…… ¶…“ EÚ“*
12.5 A\p-h¿Ø\w crore on a random basis during the year.
12.5 +x…÷{……±…x…
C¥ym Kh¨sa‚n-s‚bpw dnk¿hv _m¶v 12.5 COMPLIANCE
Hm^v C¥y-bpsSbpw \n¿t±-iß
- ƒ / Iev]- §…ÈEÚ ™…Ω˛ ∫…÷ x…Œ∂S…i… EÚÆ˙i…… Ω˲  EÚ ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ +…ËÆ˙
\-Iƒ IrXy-ambn A\p-k-cn-°-s∏-Sp-∂p- The Bank ensures that GOI and RBI
s≠∂v _m¶v Dd-∏p-h-cp-Øp-∂p. \n¿t±-i- ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ ∫…‰ |……{i…  x…n‰˘∂… / +x…÷n˘‰ ∂…… EÚ… directives/instructions received are being
߃ ]men-®-Xn-s‚bpw Un∏m¿´ps-a‚ns‚ +x…÷{……±…x… i…iEÚ…±… Ω˛…‰ Æ˙Ω˛… Ω˲* §……‰b˜« EÚ“ ±…‰J…… {…Æ˙“I…… complied with promptly. Quarterly review
29

∫… ®… i… EÚ…‰,  ¥…¶……M… EÚ“ +x…÷{……±…x… Œ∫l… i… B¥…∆


{]I- S - \ - Ø n- s ‚bpw ss{Xamk dnt∏m¿´v reports on the compliance status and
t_m¿Uns‚ HmUn‰v IΩn-‰n-bpsS Adnhnte- performance of the department are regularly
°mbn IrXy-ambn ka¿∏n-°p-∂p.
EÚ…™…« x…π{……n˘x… ∫…∆§…∆v…“  i…®……Ω˛“ ∫…®…“I……  Æ{……‰]ı« ∫…⁄S…x……l…«
submitted to the Audit Committee of the
13. Pm{KXm kwhn-[m-\hpw {Ia-t°Sv  x…™… ®…i… ∞¸{… ∫…‰ |…∫i…÷i…  EÚ™…… V……i…… Ω˲* Board for information.
\nco-£-Whpw 13. ∫…i…E«Úi…… i…∆j… B¥…∆ v……‰J……v…c˜˜“  x…M…Æ˙…x…“
_m¶ns‚ Pm{KXm A¥co£w XnI®pw
13. VIGILANCE MACHINERY AND
km[m-cW - ambncp∂p. Cu _m¶nse Ãm^n- ∫…®…“I……v…“x… ¥…π…« BEÚ B‰∫…… ¥…π…« l…… V…§… §…ÈEÚ ®… FRAUDS MONITORING
s‚bpw Hm^o-k¿am-cp-sSbpw hnizm-ky-X- ∫…i…E«Úi…… EÚ… ®……Ω˛…˱… ∫……®……x™… l……* §…ÈEÚ E‰Ú ∫]ı…°Ú / The period under review was a year where
bpsS \ne-hmcw Db¿∂-Xm-Wv. _m¶n¬
+ v…EÚ… Æ˙™…… EÚ“ <«®……x…n˘…Æ˙“ EÚ… ∫i…Æ˙ EÚ…°Ú“ >ƒS…… Ω˲* the vigilance climate in the Bank was quite
XpS°w Ipdn-®n-´p≈ Pm{KXm kwhn-[m\w
F√m XeØnep apff DtZym- K ÿcpsS normal. The integrity level of staff/officers
§…ÈEÚ ®… +…Æ˙®¶… EÚ“ M…<« ∫…i…E«Úi…… i…∆j… EÚ… ∫…¶…“ ∫i…Æ˙
at\m-`m-hsØ KpW-]c - a
- mbn kzm[o-\n-®n-´p- in the Bank is high. Vigilance mechanism
≠v. E‰Ú {…n˘… v…EÚ… Æ˙™…… {…Æ˙ =x…E‰Ú o˘Œπ]ıEÚ…‰h… E‰Ú ∫…∆§…∆v… ®… initiated in the Bank created a positive
{]iv\ß - ƒ hfsc thKw ]cn-lc - n-°p-∂X - n\v ∫…EÚ…Æ˙…i®…EÚ |…¶……¥… {…c˜…* impact on the functionaries at all levels
CBI/CVC DtZym-K-ÿ-∑m-cp-ambpw A®-S-°- regarding their attitude.
Øn\p Npa-X-e-s∏´ A[n-Im-cn-I-fp-ambpw ∫…“ §…“ +…<« / ∫…“ ¥…“ ∫…“ B¥…∆ +x…÷∂……∫…x……i®…EÚ |…… v…EÚ… Æ˙™……Â
\nc¥c kº¿°w ]pe¿Ønhcp∂p. (b˜“ B) E‰Ú ∫……l… ®……®…±…… EÚ…‰ i¥… Æ˙i…  x…{…]ı…™…… V……i…… Cases are pursued with Central Bureau of
sS‚¿ \S- ] - S n- I fpw a‰pw ssIImcyw Investigation [CBI] / Central Vigilance
Ω˲*
sNøp∂ _m¶nse F©n-\o-b¿am¿°pw Commission [CVC] and Disciplinary
a‰p≈ DtZym-Kÿ - ∑
- m¿°pw th≠n ]ªnIv 10 ®…<« 2008 EÚ…‰ B∫… §…“ ]ı“ ±…Õx…M… ∫…‰h]ıÆ˙, Authorities (DA) for speedy disposal.
s{]mIyq¿sa‚p-ambn _‘-s∏´ Imcy-ßsf
kw_-‘n® Hcp h¿°vtjm-∏v, Xncp-h\ - ¥ - -
 i…Ø˚¥…x…xi…{…÷Æ˙®… ®… §…ÈEÚ E‰Ú + ¶…™…xi……+… +…ËÆ˙ +x™… A workshop on Public Procurement and
th
]pcw Fkv._ - n.-Sn. teWnwKv sk‚-dn- ¬ h®v + v…EÚ…Æ˙“ V……‰  x… ¥…n˘… |…∫…∆∫EÚÆ˙h… +…˘ n˘ EÚ… EÚ…®… related matters was held on 10 May 2008
2008 tabv 10-˛m- w XobXn \S-Øp-Ib - p-≠m-bn.
n‰˘J…i…‰ Ω˲, E‰Ú  ±…B ∫……¥…«V… x…EÚ + v…|……Œ{i… B¥…∆ ∫…∆§…r˘ at SBT Learning Centre,
h¿°v tjm∏n¬ ]s¶-Sp-Øh - sc CVC No^v Thiruvananthapuram, for the benefit of
sSIv\n-°¬ FIvkm-an-\¿ {io hn. cma-N- ®……®…±……Â {…Æ˙ BEÚ EÚ…™…«∂……±…… EÚ… +…™……‰V…x…  EÚ™…… M…™……*
Bank’s engineers and other officials who
{µ≥ A`n-kw-t_m-[\ sNbvXp.
∏…“ Æ˙…®…S…xp˘x… ¥…“, ®…÷J™… i…EÚx…“EÚ“ {…Æ˙“I…EÚ, ∫…“ ¥…“ deal with tendering process etc. Sri.
_m¶nse {]Xntcm[ Pm{KXm kwhn[m-\-
Øns‚ {]h¿Ø\w Dd∏ph-cp-Øp-∂X - n\pw ∫…“ x…‰ |… i…¶…… M…™…… EÚ…‰ ∫…∆§……‰ v…i…  EÚ™……* Ramachandran V, Chief Technical
AXns‚ {]Nm-c-W-Øn-\p-ambn _m¶ns‚ Examiner, CVC addressed the participants.
§…ÈEÚ ®…Â  x…Æ˙…‰v…EÚ ∫…i…E«Úi…… i…∆j… EÚ… |…S……Æ˙ - |…∫……Æ˙
tkmW¬ Hm^okpI-fnepw imJ-I-fnepw Structured meetings/conferences were
CVO, kv{SIvtN¿Uv ao‰nw-Kp-Ifpw h¿°v EÚÆ˙x…‰ B¥…∆ EÚ…™……«x¥…™…x… ∫…÷ x…Œ∂S…i… EÚÆ˙x…‰ Ω‰˛i…÷ ®…÷J™…
held by the CVO at Zonal Offices of the
tjm∏p-Ifpw \S-Øn. ∫…i…E«Úi…… + v…EÚ…Æ˙“ u˘…Æ˙… §…ÈEÚ/∂……J……+… ®… ∫]≈ıCS…b«˜ Bank / branches to propagate and ensure
\S-∏p-h¿jw, _m¶nwKv Unhn-j≥, kmº-Øn-
I-Imcy hn`m-Kw, [\-Imcy hn`m-Kw, \SØnb
§…Ë`ˆEÚı… / ∫…®®…‰±…x…… EÚ… +…™……‰V…x…  EÚ™…… M…™……* ¥…π…« E‰Ú the implementation of Preventive Vigilance
No^v hnPn- e ≥kv Hm^o- k ¿am- c psS n˘…ËÆ˙…x… §…ÈÀEÚM… |…¶……M…, +…Ãl…EÚ EÚ…™…«  ¥…¶……M…,  ¥…k… mechanism in the Bank. During the year
\yqsU¬ln-bn¬ \S∂ hm¿jnI dnhyq-ao-
®…∆j……±…™…, x…<«  n˘±±…“ u˘…Æ˙… +…™……‰ V…i… ∫…“ ¥…“ +…‰ B∫… CVO attended the annual review meeting
‰n-ßn¬ _m¶ns‚ No^v hnPn-e≥kv Hm^o- of CVOs convened by the Banking Division,
k¿ ]s¶-Sp°pIbp≠mbn. SBI bnsebpw EÚ“ ¥……Ãπ…EÚ ∫…®…“I…… §…Ë`ˆEÚ ®…Â ∫…“ ¥…“ +…‰ x…‰ ¶……M…
Department of Economic Affairs, Ministry
tÉv _m¶v Hm^v C¥y-bpsS Atkm-kn-tb‰v  ±…™…… i…l…… ∫…Ω˛™……‰M…“ §…ÈEÚ…Â E‰Ú =SS… ∫i…Æ˙“™… EÚ…™…«EÚk……«+…Â
_m¶p-I-fn-sebpw D∂XXe Hm^o-k¿am- of Finance, New Delhi and also participated
cpsS ss{Xamk ao‰n-ßp-If - nepw _m¶ns‚ EÚ“  i…®……Ω˛“ §…Ë`ˆEÚ…Â ®… ¶…“ ¶……M…  ±…™……  V…∫…®… ∫…®…⁄Ω˛ in Quarterly Meetings of the top level
CVO kPo-hambn ]s¶-SpØp. Cu ao‰n-ßp-I- §…ÈEÚ…Â EÚ“  x…Æ˙“I…h… x…“ i… B¥…∆ EÚ…™…« ¥… v… EÚ“ ∫…®…“I…… functionaries of Associate Banks which
fn¬ _m¶v- {Kq∏pI-fpsS \nco-£W {]{In-bbpw review inspection policy and procedures
\S-]S- n-{I-aß
- fpw ]p\x-]c- n-tim-[n-°s∏´p. EÚ“ V……i…“ Ω˲*
of group banks.
tI{µ hnPn-e≥kv IΩn-js‚ \n¿t±-im-\p- ∫…“ ¥…“ ∫…“ E‰Ú  x…nÊ˘∂……‰∆ E‰Ú +x…÷∫……Æ˙ ¥™……{…EÚ |…S……Æ˙ n‰˘i…‰
k-cWw ]Xn-hp-t]m-se, hym]-Ia - mb {]Nm- Vigilance Awareness Week was observed
c-W-tØm-sS, Pm{KXm Ah-t_m-[-\hmcw Ω÷˛B ∫…i…E«Úi…… V……M…∞¸EÚi…… ∫…{i……Ω˛ ®…x……™…… M…™……* ∫…®……{…x… as per CVC directives with wide publicity.
BN-cn-®p. Ah-km\ Znhkw Xncp-h\ - ¥ - p-  n˘¥…∫… {…Æ˙ ™…÷¥…… x……M… Æ˙EÚ…Â E‰Ú  n˘®……M… ®… <«®……x…n˘…Æ˙“ EÚ“ On the concluding day, SBT Honesty
]-cØpw ]cn-kc - Ø
- p-ap≈ hnZym-eb - ß
- f - n¬
¶……¥…x…… V……M…fii… EÚÆ˙x…‰ +…ËÆ˙ ß…π]ı…S……Æ˙ ∫…‰ ±…c˜x…‰ E‰Ú BEÚ Awards were conferred on 4 students
\n∂p sXc-s™-SpØ 4 hnZym¿∞n-Iƒ°v
Fkv_nSn kXy-k-‘Xm Ahm¿Up-I-ƒ selected from various schools in and around
={……™… E‰Ú ∞¸{… ®… =x…EÚ…‰ ™…÷¥……¥…∫l…… ∫…‰ Ω˛“ i…Ë™……Æ˙ EÚÆ˙x…‰
hnX-cWw sNbvXp. bph-a\ -   - p-If - n¬ kXy- Thiruvananthapuram city to propagate the
k-‘-X-bpsS ktµ-i-sa-Øn-°p-∂-Xn\pw, Ω‰˛i…÷ ®……x…x…“™… x™……™……v…“∂… B®…. EfiÚπh…x… x……™…Æ˙ ""={… idea of honesty in the minds of young
Agn-a-Xn-s°-Xnsc s]mcp-Xm≥ sNdp-{]m-b- ±……‰EÚ +…™…÷HÚ, E‰ÚÆ˙±…'' x…‰  i…Ø˚¥…x…xi…{…÷Æ˙®… ∂…Ω˛Æ˙ E‰Ú citizens and also with an idea to ‘catch them
30

Øn¬ Xs∂ Ahsc k÷-cm-°p-∂X - n\pw +…∫…-{……∫… E‰Ú  ¥… ¶…z… ∫E⁄Ú±……Â ∫…‰ S…™… x…i… 4 UÙ…j……Â EÚ…‰ young’ as a measure of fighting corruption,
t{]m’ml\sa∂ coXnbnep≈ {]kvXpX
""B∫… §…“ ]ı“ +…‰x…‰∫]ı“ +¥……b«˜'' |…n˘…x…  EÚ™……* by Hon’ble Justice M. Krishnan Nair, “Upa
kΩm-\ß - ƒ tIc-fØ
- nse D]-tem-Im-bp‡ Lok Ayukta, Kerala “.
PÃokv Fw. IrjvW≥\m-b-cmWp hnX- |…®…÷J… ∂……J……+…Â ®…Â |… i…Æ˙…v‰ …EÚ ∫…i…E«Úi…… ∫… ®… i…™……ƒ M… `ˆi… Preventive Vigilance committees have been
cWw sNbvXX - v. set up in major branches and the Minutes
EÚ“ M…<» +…ËÆ˙ ∂……J……+… ®… +…™……‰ V…i… B‰∫…“ §…Ë`ˆEÚ…Â E‰Ú
{][m\ imJ-I-fn¬ {]Xntcm[ Pm{KXm
EÚ…™…«¥…fik……Â EÚ“  x…M…Æ˙…x…“ ∫…i…E«Úi……  ¥…¶……M… u˘…Æ˙… EÚ“ V…… of such meetings held at the branches are
kanXnIƒ cq]o- I - c n- ° p- I bpw AØcw being monitored by the Vigilance
kanXn tbmK- ß - f psS kw{Kl°pdn∏v Æ˙Ω˛“ Ω˲* Department.
Pm{KXm hn`mKw \nco-£n-°p-Ibpw sNbvXp-
t]m-cp-∂p. 14. ®……x…¥… ∫…∆∫……v…x…  ¥…EÚ…∫… B¥…∆ +…Ët…‰ M…EÚ ∫…∆§…∆v… 14. HUMAN RESOURCES
DEVELOPMENT & INDUSTRIAL
14. am\-h-hn-`-h-tijn hnIk\hpw 14.1 {… Æ˙¥…i…«x… EÚ…™…«GÚ®… RELATIONS
hymhkmbnI _‘ßfpw
§…ÈEÚ E‰Ú Æ˙h…x…“ i…V…x…EÚ {…Ω˛±…… ®… ®……x…¥… ∫…∆∫……v…x… |…§…∆v…x… 14.1 PARIVARTAN PROGRAMME
14.1 ‘]cnh¿Ø≥‘ ]cn]mSn
EÚ… ®…Ω˛i¥…{…⁄h…« ∫l……x… §…Æ˙EÚÆ˙…Æ˙ Ω˲* ¥…π…« E‰Ú n˘…ÆË ˙…x…, §…ÈEÚ Human Resources Management continued
am\-hh - n-`h- t- ijn amt\-Pvsa‚n\v _m¶ns‚
x…‰ EÚ®…«S…… Æ˙™…… EÚ“ ®……x… ∫…EÚ Œ∫l… i… ®… ∫…EÚ…Æ˙…i®…EÚ to occupy the pivotal status in the Bank’s
{]-[m-\- kwcw-`-ß-fn¬ apJy-ÿm-\-ap-≠v.
strategic initiatives. During the year the
Poh-\-°m-cpsS at\m-`m-h-Øn¬ KpW-]-c- {… Æ˙¥…i…«x… ±……x…‰, ∫]ı…°Ú EÚ…‰ BEÚV…÷]ı EÚÆ˙x…‰ i…l…… §…ÈEÚ Bank has launched a Mass Internal
amb am‰w hcp-Øp-∂X - n-\pw, Ahsc GtIm-
u˘…Æ˙… ∫……®…x……  EÚB V…… Æ˙Ω‰˛ ®…÷q˘… ∫…‰ =x…EÚ…‰ +¥…M…i… Communication Programme called
]n-∏n-®v, _m¶v A`n-ap-Jo-I-cn-°p∂ {]iv\-
EÚÆ˙¥……x…‰ E‰Ú =q‰˘∂™… ∫…‰ "{… Æ˙¥…i…«x…' x……®…EÚ BEÚ ¥™……{…EÚ ‘Parivartan ‘ with the objective of bringing
ß-sf-°p-dn®p t_m[-hm-∑m-cm-°p-∂X - n-\p-ap-
about a positive change in the mindset of
t±-in®v ""]cnh¿Ø≥'' F∂ t]cn¬ hn]p- +…xi… Æ˙ E Ú ∫…®|…‰ π …h… EÚ…™…« G Ú®… S…±……™……* 8,886 employees, bringing together the staff and
e-amb Hcp B`y-¥c Bi-bh - n-\n-ba ]cn-
]mSn Cs°m√w _m¶v \S-Øp-Ib - p-≠m-bn. EÚ®…«S…… Æ˙™…… EÚ…‰ ∫…Œ®®… ±…i… EÚÆ˙i…‰ Ω÷˛B, n‰˘∂… ¶…Æ˙ E‰Ú 17 making them aware of the issues faced by
100 Znh-kw-sIm≠v cmPy-sam-´m-sI-bp≈ 17 E‰Úxp˘…Â ®…Â, 100  n˘x……Â ®…Â 215 {… Æ˙¥…i…«x… EÚ…™…«GÚ®……Â the Bank. 215 Parivartan programmes
tI{µ-ßf - n-embn 8886 Poh-\° - msc Dƒs∏- were conducted within 100 days spread
EÚ… +…™……‰V…x…  EÚ™…… M…™……* over 17 centres across the country covering
SpØn 215 ]cn-h¿Ø≥ ]cn-]m-Sn-Iƒ \S-Øn.
14.2 |… ∂…I…h… EÚ…™…«GÚ®… 8,886 employees.
14.2 ]cnioe\ ]cn]mSnIƒ
Ãm^w-Kß - ƒ°p ]cn-⁄m-\hpw Ah-t_m- Ω˛®……Ɖ˙ ±…Õx…M… ∫…‰h]ıÆ˙… ®… EÚ…{……ÊÆ˙‰]ı ±…I™… / ∫…∆§…∆r˘ I…‰j…… 14.2 TRAINING PROGRAMMES
[hpw Ignhpw h¿≤n-∏n-°p-Is - b∂ e£y- E‰Ú  ¥…∂…‰π… ∫…xn˘¶…« ®…  x…Æ˙xi…Æ˙ +…v……Æ˙ {…Æ˙ Ω˛®……Ɖ˙ ∫]ı…°Ú Training programmes are conducted at our
tØm- s S, tIm¿∏- t d‰v e£yßtfbpw Learning centres with a view to updating
DØchmZnØßtfbpw kw_‘n°p∂ ∫…n˘∫™…… E‰Ú Y……x…, V……M…∞¸EÚi…… +…ËÆ˙ EÚ…Ë∂…±… EÚ…‰ +ti…x… the knowledge, awareness and skills of our
]cnioe\ ]cn]mSnIƒ _m¶ns‚ ]cn-io-e- EÚÆ˙x…‰ EÚ“ o˘Œπ]ı ∫…‰ |… ∂…I…h… EÚ…™…«GÚ®… S…±……B M…B* staff members on an ongoing basis with
\-tI-{µ-ß-fn¬ \S-Øp-I-bp-≠m-bn. particular reference to areas of corporate
{… Æ˙¥…i…«x… EÚ…™…«GÚ®……Â E‰Ú + i… Æ˙HÚ, ∫…®…“I……v…“x… ¥…π…« E‰Ú goals/concerns.
]cn-h¿Ø≥ ]cn-]m-Sn-Iƒ°p ]pd-ta, \S-∏p-
h¿jw 1489 Hm^o-k¿am¿°pw 724 t\m¨ k- n˘…ËÆ˙…x… 106 |… ∂…I…h… EÚ…™…«GÚ®……Â EÚ… +…™……‰V…x…  EÚ™…… Apart from Parivartan programmes, 106
t_m¿Unt\-‰v kv‰m-^n\pw 107 kt_m¿Un-t\‰v M…™……  V…∫…E‰Ú i…Ω˛i… 1,489 + v…EÚ…Æ˙“, 724 M…ËÆ˙-+v…“x…∫l… training programmes were conducted
Ãm^n\pw ]cn-io-e\w \¬Ip-∂-Xn-\p≈ 106
∫]ı…°Ú i…l…… 107 +v…“x…∫l… ∫]ı…°Ú EÚ…‰ |… ∂… I…i…  EÚ™…… during the year under review, imparting
]cnioe\ ]cn-]m-Sn-Iƒ kwL-Sn-∏n-®p. training to 1,489 officers, 724 non-
C≥lukv s{Sbn-\nw-Kn\p ]pd-ta, 622 Hm^o-
M…™……* subordinate staff and 107 subordinate staff.
k¿amsc tÉv _m¶v Ãm^v tImtf-Pv, tÉv +…xi… Æ˙EÚ |… ∂…I…h… EÚ…™…«GÚ®…… E‰Ú + i… Æ˙HÚ, 622 In addition to in-house training
_m¶v A°m-Ua- n, tÉv _m¶v C≥Ãn-‰yq´v Hm^v programmes, 622 officers were deputed
dqd¬ sUh-e] - vsa‚ v, tÉv _m¶v C≥Ãn-‰yq´v
+ v…EÚ… Æ˙™……Â EÚ…‰ ¶……Æ˙i… E‰Ú +x™… ∫…∆∫l……x……Â ™…l…… ∫]‰ı]ı
to other institutions in India like the State
Hm^v C≥^¿ta-j≥ B‚ v IΩyq-Wn-t°-j≥ §…ÈEÚ ∫]ı…°Ú Eڅϱ…‰V…, ∫]‰ı]ı §…ÈEÚ +EÚ…n˘®…“, ∫]‰ı]ı §…ËE∆ Ú
Bank Staff College, State Bank Academy,
amt\-Pvsa‚ v, _mt¶gvkv s{Sbn-\nMv tImtf-Pv, <∆Œ∫]ı]ı¨]⁄ ı +…°Ú ∞¸Æ˙±… b‰˜¥…±…{…®…‰h]ı, ∫]‰ı]ı §…ÈEÚ <∆Œ∫]ı]ı¨]⁄ ı State Bank Institute of Rural Development,
\mj-W¬ C≥Ãn-‰yq´v Hm^v _m¶v amt\-Pp-
+…Ï°Ú <x°Ú…‰®…Ê∂…x… Bhb˜ EÚ®™…⁄ x…E‰Ú∂…x… ®…Ëx…‰V…®…‰h]ı, §…ÈEÚ∫…« State Bank Institute of Information and
sa‚ v apX-emb a‰p ÿm]-\-ß-fn¬ ]cn-io-e-
\-Øn\p \ntbm-Kn-°p-I-bp-≠m-bn. 7 Hm^o- ]≈ı‰Àx…M… Eڅϱ…‰V…, x…‰∂…x…±… <∆Œ∫]ı]ı¨]⁄ ı +…Ï°Ú §…ÈEÚ ®…Ëx…‰V…®…Â]ı Communication Management, Bankers’
k¿amsc hntZi ]cn-io-e-\-Øn\v / ktΩ-f-\- Training College, National Institute of Bank
+… n˘ ®…Â |… i… x…™…÷HÚ  EÚ™…… M…™……* 7 + v…EÚ… Æ˙™……Â EÚ…‰ Management etc. 7 officers were deputed
߃°v \ntbm-Kn-®p.
 ¥…n‰˘∂… |… ∂…I…h… / ∫…®®…‰±…x…… ®… ¶……M… ±…‰x…‰ Ω‰˛i…÷ |… i… x…™…÷HÚ for foreign trainings/conferences.
t\m¨ kt_m¿Un-t\‰v XkvXnIbn¬ \n∂v
Hm^o- k ¿ Xkv X nIbnte°p ÿm\  EÚ™…… M…™……* Training programmes were conducted for
°b‰Øn\p XømsdSp-°p∂ ]´n-I-PmXn/ employees belonging to Schedule Castes /
M…ËÆ˙-+v…“x…∫l… ∫…∆¥…M…« ∫…‰ + v…EÚ…Æ˙“ ∫…∆¥…M…« ®…Â {…n˘…z‰ … i… Scheduled Tribes [SC/ST] category,
]´n-Ih- ¿§ Poh-\° - m¿°p-th≠n ]cn-io-e\
]cn-]m-Sn-Iƒ kwL-Sn-∏n-®p. Atkm-kn-tb‰v Ω‰˛i…÷ ¶……M… ±…‰x…‰ ¥……±…‰ +x…÷∫…⁄ S…i… V…… i… / +x…÷∫…⁄ S…i… V…x… appearing for promotion from non-
_m¶p- I - f n¬ s¢dn- ° ¬ Ãm^mbpw V…… i… (B∫… ∫…“ / B∫… ]ı“) ¥…M…« E‰Ú EÚ®…«S…… Æ˙™……Â E‰Ú  ±…B subordinate cadre to officer cadre. Pre-
31

s{]mt_-jW - dn Hm^o-k¿am-cmbpw \nb-an-°- |… ∂…I…h… EÚ…™…«GÚ®……Â EÚ… +…™……‰V…x…  EÚ™…… M…™……*  ±… {…EÚ“™… examination training programmes were
s∏-Sp-∂X- n-\p≈ ]co-£I - f- n¬ ]s¶-Sp-°p∂ ∫]ı…°Ú B¥…∆ ∫…Ω˛™……‰M…“ §…È˛EÚ…Â ®… {… Æ˙¥…“I……v…“x… + v…EÚ… Æ˙™…… conducted for candidates belonging to SC/
]´n-I-PmXn/]´n-I-h¿§/\yq\-]£/ ST/Minority/ex-servicemen category
EÚ“ ¶…i…‘ {…Æ˙“I…… ®… ¶……M… ±…‰ Æ˙Ω˛‰ +x…÷∫…⁄ S…i… V…… i… /
FIvkvk¿hokv hn`mK- ß - f n¬s∏- ´ - appearing for recruitment test of clerical staff
h¿°mbn {]n˛-FI - vkm-an-t\-j≥ s{Sbn-\nwKv +x…÷∫…⁄ S…i… V…x… V…… i… / +±{… ∫…∆J™…EÚ ∫…®…÷n˘…™… / ¶…⁄i…{…⁄¥…« and Probationary Officers in Associate Banks.
]cn-]m-Sn-Iƒ \S-Øn. ∫…Ë x…EÚ ¥…M…« E‰Ú |…i™…… ∂…™……Â E‰Ú  ±…B {…Æ˙“I……-{…⁄¥…« |… ∂…I…h…
14.3 STAFF RESOURCES &
14.3 Poh\°mcpsS hn`htijnbpw EÚ…™…«GÚ®……Â EÚ… +…™……‰V…x…  EÚ™…… M…™……* RECRUITMENTS
\nba\hpw
14.3 ∫]ı…°Ú ∫…∆∫……v…x… B¥…∆ ¶…i…‘ The Bank has on its rolls 11,365 members
4085 Hm^o-k¿amcpw 4993 s¢dn-°¬ ˛ Iymjv
§…ÈEÚ EÚ“ +{…x…“ x……®……¥…±…“ ®…Â 4,085 + v…EÚ…Æ˙“, of staff comprising 4,085 Officers, 4,993
Poh-\° - m-cpw, 463 ]m¿´v ssSw kzo∏¿am-cpw
2,287 kt_m¿Un-t\‰v Poh-\-°m-cp-ambn 4,993  ±… {…EÚ B¥…∆ x…EÚn˘  ¥…¶……M… ∫]ı…°Ú i…l…… 463 Clerical and Cash Department staff and
samØw 11,365 Poh-\° - m-cmWp _m¶n-ep-≈- 2,287 Subordinate staff including 463 part-
+∆∂…EÚ… ±…EÚ ∫…°Ú…<EÚi……«+…Â ∫… Ω˛i… 2,287 +v…“x…∫l…
Xv. h\nXm Poh-\° - m¿ 3,869˛Dw hnap-‡`- S- - time sweepers. The number of women
∫]ı…°Ú EÚ…‰  ®…±……EÚÆ˙ 11,365 ∫]ı…°Ú ∫…n˘∫™… ΩÈ˛* §…ÈEÚ employees in the Bank is 3,869 and Ex-
∑m¿ 931˛Dw BWv. CXv bYm-{Iaw samØw
Poh-\° - m-cpsS 34.04 iX-am-\hpw 8.19 iX- ®… ®… Ω˛±…… EÚ®…«S…… Æ˙™…… EÚ“ ∫…∆J™…… 3,869 i…l…… ¶…⁄i…{…⁄¥…« services personnel are 931 constituting
am-\-hp-am-Wv. h\nXm Poh-\-°m-cn¬ 896 ∫…Ë x…EÚ…Â EÚ“ ∫…∆J™…… 931 l…“ V……‰ E÷Ú±… ∫]ı…°Ú ∫…n˘∫™…… 34.04% and 8.19% respectively of the total
Hm^o-k¿amcpw 2428 t\m¨ kt_m¿Un- EÚ… GÚ®…∂…& 34.04% +…ËÆ˙ 8.19% Ω˲* ®… Ω˛±…… workforce. Out of the women employees,
t\‰v Ãm^pw 545 kt_m¿Un-t\‰v Ãm^pw 896 are Officers, 2,428 Non-subordinate
EÚ®…«S…… Æ˙™……Â ®…Â ∫…‰ 896 + v…EÚ…Æ˙“, 2,428 M…ËÆ˙ +v…“x…∫l…
D≠v. 2,348 Fkvkn/Fkv.Sn Poh-\° - m-cp-≈- staff and 545 Subordinate Staff. There are
Xn¬ (samØw Poh-\° - m-cpsS 20.65%), 711 ∫]ı…°Ú B¥…∆ 545 +v…“x…∫l… ∫]ı…°Ú ΩÈ˛* 2,348 +.V…… 2,348 SC/ST employees (20.65% of the
t]¿ Hm^o-k¿amcpw 866 t]¿ s¢dn-°¬ / / + V… V…… i… EÚ®…«S……Æ˙“ l…‰ (∫]ı…°Ú ∫…∆J™…… EÚ… staff strength), of which 711 are Officers,
Iymjv Poh-\°mcpw 771 t]¿ kt_m¿Un- 20.65%)  V…∫…®…Â 711 + v…EÚ…Æ˙“, 866  ±… {…EÚ 866 Clerical & Cash Department staff and
t\‰v Ãm^pw BWv. hnI-emw-Kc - mb 18 Poh- 771 Subordinate staff. The Bank has also
B¥…∆ x…EÚn˘  ¥…¶……M… ∫]ı…°Ú i…l…… 771 +v…“x…∫l… ∫]ı…°Ú
\-°mcpw _m¶n¬ tPmen sNøp-∂p. \S-∏p- on its rolls 18 physically challenged
h¿jw 281 s¢dn-°¬ Poh-\°msc _m¶n¬ ΩÈ˛* §…ÈEÚ EÚ“ +{…x…“ x……®……¥…±…“ ®… 18 ∂……Æ˙“ Æ˙EÚ  ¥…EÚ±……∆M…
employees. The Bank has recruited 281
\nb-an-®p. ASp-Ø-h¿jw 1000 s¢dn-°¬ EÚ®…«S……Æ˙“ ¶…“ ΩÈ˛* ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈEÚ x…‰ 281  ±… {…EÚ“™…
clerical staff during the year. The Bank is
Ãm^ns\- ° qSn \nb- a n- ° m- \ p≈ \S- ] Sn ∫]ı…°Ú EÚ“ ¶…i…‘ EÚ“* §…ÈEÚ x…‰ +…M……®…“ ¥…π…« E‰Ú n˘…ÆË ˙…x… also in the process of recruiting another
Bcw-`n-®n-´p-≠v.
+x™… 1,000  ±… {…EÚ“™… ∫]ı…°Ú EÚ“ ¶…i…‘ EÚ“ |… GÚ™…… 1,000 clerical staff during the ensuing year.
14.4 Ãm^v s{]mUIvSnhn‰n
¶…“ S…±…… Æ˙J…“ Ω˲* 14.4 STAFF PRODUCTIVITY
Poh-\-°m-cs‚ icm-icn _nkn-\ v 2008
am¿®v Ah-km\w 559 e£w cq]-bm-bn-cp- 14.4 ∫]ı…°Ú =i{……n˘EÚi…… The average business per employee
∂Xv 2009 am¿®v Ah-km\w 633 e£w cq]- |… i… EÚ®…«S……Æ˙“ +…Ë∫…˙i… EÚ…Æ˙§……Æ˙ ®……S…« 2008 EÚ“ ∫…®……Œ{i… improved from Rs.559 lac as at the end of
bmbn sa®-s∏-´p. Poh-\°
- m-cs‚ icm-icn March 2008 to Rs.633 lac at the end of March
{…Æ˙ Œ∫l…i… Ø˚. 559 ±……J… ∫…‰ ∫…÷v…Æ˙ EÚÆ˙ ®……S…« 2009 EÚ“
A‰m-Zmbw 2008 am¿®nse 3.40 e£w cq]- 2009. Net profit per employee improved
sb-∂Xv 2009 am¿®v Ah-km\w 5.58 e£w ∫…®……Œ{i… {…Æ˙ Ø˚. 633 ±……J… Ω˛…‰ M…™……* |… i… EÚ®…«S……Æ˙“ from Rs.3.40 lac as at the end of March 2008
cq]-bmbn Db¿∂p.  x…¥…±… ±……¶…˙ ®……S…« 2008 EÚ“ ∫…®……Œ{i… {…˙Æ˙ Œ∫l…i… Ø˚. to Rs.5.58 lac at the end of March 2009.
14.5 s]¿t^ma≥kv sd°·nj≥ 3.40 ±……J… ∫…‰ ∫…÷v…Æ˙ EÚÆ˙ ®……S…« 2009 EÚ“ ∫…®……Œ{i…
14.5 PERFORMANCE
2007˛08¬ MD's ¢∫v/CGM's ¢∫v AwK-Xz- {…Æ˙ Ø˚. 5.58 ±……J… Ω˛…‰ M…™……* RECOGNITION
Øn\v 24 imJ-Iƒ Xnc-s™-Sp-°-s∏-Sp-I-
bpw, Hcp hntij NS-ßn¬ h®v imJm 14.5  x…π{……n˘x… {…Ω˛S……x… Twenty-four branches were selected for
Xeh∑mtcbpw Poh\°mcpsS {]Xn\n[n ¥…π…« 2007-08 E‰Ú  ±…B B®… b˜“∫… C±…§…/ ∫…“ V…“ membership of MD’s Club/CGM’s Club for
Itfbpw A\p-tam-Zn-°p-Ib
- pw sNbvXp. the year 2007-08 and the Branch Heads
B®…∫… C±…§… EÚ“ ∫…n˘∫™…i…… E‰Ú  ±…B S……˧…“∫… ∂……J……+…Â
14.6 ]´n-IP
- mXn/]´n-Ih
- ¿§/\yq\-]£ and Staff representatives were felicitated
EÚ… S…™…x… Ω÷˛+… B¥…∆ ∂……J… |…®…÷J…… B¥…∆ ∫]ı…°Ú |… i… x… v…™…… at a function.
kap-Zmb/hnap-‡-`-S-∑m¿/hnI-emw-K¿
F∂o hn`m-K° - m¿°m-bp≈ sk¬ EÚ…‰ BEÚ ∫…®……Æ˙…Ω‰ ˛ ®…Â ∫…®®…… x…i…  EÚ™…… M…™……*
14.6 STAFF - SC/ST/MINORITY
]´nIPmXn ]´nIh¿§/a‰v ]nt∂m° 14.6 ∫]ı…°Ú + V…… / + V… V…… / +±{…∫…∆J™…EÚ COMMUNITY (MC)/EX-SER./
hn`mK߃°pambn P\d¬ amt\P¿
∫…®…÷n˘…™… (B®… ∫…“) / ¶…⁄i…{…⁄¥…« ∫…Ë x…EÚ /  ¥…EÚ±……∆M… PH CELL
XeØn¬ aq∂v apJy sebv k ¨
EÚI… The Bank has a separate SC/ST/MC/Ex-
Hm^ok¿amcpw, \yq\]£ hn`mK߃
°mbn sU]yq´n amt\P¿ XeØn¬ Hcp Ser./PH Cell headed by three Chief Liaison
+V…… / +V…V…… / +±{…∫…∆J™…EÚ ∫…®…÷n˘…™… / ¶…⁄i…{…⁄¥…« Officers in the rank of General Managers
apJy sebvk¨ Hm^okdpw t\XrXzw
\¬Ip∂ Hcp {]tXyI SC/ST/MC/Ex.Ser./ PH ∫…Ë x…EÚ /  ¥…EÚ±……∆M… EÚI… E‰Ú EÚ®…«S…… Æ˙™……Â E‰Ú EÚ±™……h… for SC/ST and OBC and Deputy General
sk¬ _m¶n¬ {]h¿Øn°p∂p≠v. B¥…∆  Ω˛i…… EÚ… v™……x… Æ˙J…x…‰ Ω‰˛i…÷ + V…… / +V…V…… +…ËÆ˙ Manager for MC. They are assisted by a
32

SC/ST/MC Poh-\°  {…UÙc˜‰ ¥…M…« E‰Ú  ±…B ®…Ω˛… |…§…∆v…EÚ E‰Ú {…n˘ ®… i…“x… ®…÷J™…
- m-cpsS t£ahpw Xmev]- Scale III officer at Head Office and Liaison
cyhpw kwc-£n-°p-∂X - n\p th≠n P\-d¬
∫…∆{…E«Ú + v…EÚ…Æ˙“ +…ËÆ˙ +±{… ∫…∆J™…EÚ ∫…®…÷n˘…™… E‰Ú  ±…B Officers at the five Zonal offices, and two
amt\-P¿amsc klm-bn-°p-∂X - n-\mbn slUv
={… ®…Ω˛… |…§…∆v…EÚ §…ÈEÚ E‰Ú {……∫… EÚ…™…«Æ˙i… ΩÈ˛* |…v……x… Regional Offices at Mumbai and New Delhi
Hm^o-kn¬ Hcp kvsIbn¬ III Hm^o-kdpw 5
EÚ…™……«±…™… ®…Â ¥…‰i…®……x… III + v…EÚ…Æ˙“ B¥…∆ {……ƒS… +…∆S… ±…EÚ
tkmW¬ Hm^o- k p- I - f nepw apwss_ to take care of the welfare and interests of
bntebpw \ypsU¬lnbnsebpw c≠p the SC/ST/MC employees. The Cell at
EÚ…™……«±…™…… n˘…‰ I…‰j…“™… EÚ…™……«±…™…… ®…÷®§…<« B¥…∆ x…<«  n˘±±…“
doPnbW¬ Hm^okpIfnepw sebvk¨ Head Office arranges periodic meetings of
Hm^o-k¿am-cp-ap-≠v. ]´n-IP ®… ∫…∆{…E«Ú + v…EÚ…Æ˙“ =x…EÚ“ ∫…Ω˛…™…i…… EÚÆ˙i…‰ ΩÈ˛* |…v……x…
- mXn/]´nI-h¿§
the representatives of the SBT SC/ST Staff
Poh-\°- m-cpsS ]cm-Xn-Iƒ ]cn-lc - n-°p-∂X - n-
EÚ…™…«…±…™… ®…Â EÚ…™…«Æ˙i… EÚI… B∫… §…“ ]ı“ +V…… / +V…V……
\mbn _m¶ns‚ apJy-Im-cym-e-b-Ønse Welfare Association with the Top
∫]ı…°Ú EÚ±™……h… B∫……‰ ∫…B∂…x… E‰Ú |… i… x… v…™……Â EÚ“ Management to listen to and redress their
sk¬, Fkv._ - n.-Sn. Fkv.kn/Fkv.Sn Ãm^v
+…¥… v…EÚ §…Ë`ˆEÂÚ =SS… |…§…∆v…x… E‰Ú ∫……l… +…™……‰ V…i…
sh¬^-b¿ At m-kn-tb-j\pambpw D∂- grievances. The Bank has already provided
X-Xe DtZym-Kÿ - c
- p-am-bpw IqSn-°m-gvNIƒ
EÚÆ˙i…… Ω˲ i…… EÚ =x…EÚ…‰ ∫…÷x…… V…… ∫…E‰Ú +…ËÆ˙ =x…EÚ“ a well furnished office with telephone and
Imem\pkrXambn kwL-Sn-∏n-°p-∂p. sSen-
 ∂…EÚ…™…i……Â EÚ…  x…¥……Æ˙h…  EÚ™…… V…… ∫…E‰Ú* §…ÈEÚ x…‰ computer to the Association. The Bank has
t^mWpw Iºyq-´dpw a‰p kuI-cy-ßf - p-ap≈
B∫……‰ ∫…B∂…x… EÚ…‰ ]‰ı ±…°Ú…‰x… +…ËÆ˙ EÚ®{™…⁄]ıÆ˙ E‰Ú ∫……l…
Hcp Hm^o- k v , At m- k n- t b- j \v _m¶v extended the check-off facility for payment
\¬In-bn-´p-≠v. hcn-kwJy AS-bv°p∂--Xn\v
∫……l… ∫…¶…“ ∫……V… - ∫……®……x… ∫…‰ ∫…÷∫…ŒVV…i… EÚ…™……«±…™… of subscription to the Association. The Cell
sN°v Hm^v kuI-cyhpw At m-kn-tb-j\v is also conducting meetings of Liaison
{…Ω˛±…‰ Ω˛“ |…n˘…x…  EÚ™……* §…ÈEÚ x…‰ B∫……‰ ∫…B∂…x… EÚ…‰ S…∆n˘…
_m¶v A\p-h-Zn-®p. tkmW¬ X-e-Ønepw
officers of all the Zones/ Regional Offices
doPW¬ Hm^okv XeØnepw Fs¥-¶nepw¶…÷M…i……x… ®… EÚ]…Ëi…“ EÚ“ ∫…÷ ¥…v…… ¶…“ n‰˘ n˘“ Ω˲* EÚI…
{]iv\ß - f- p-s≠-¶n¬ Ah ]cn-lc - n-°p-∂X - n- at Mumbai and New Delhi at quarterly
u˘…Æ˙… ®…÷J™… ∫…∆{…E«Ú + v…EÚ…Æ˙“ E‰Ú x…‰i…fii¥… ®…  i…®……Ω˛“
\p-th≠n No^v sebvk¨ Hm^o-k-dpsS intervals, chaired by the Chief Liaison
A≤y-£X - b +∆i…Æ˙…±…… {…Æ˙ ∫…¶…“ +∆S…±…… ∫…‰ ∫…∆§…Œxv…i… ∫…®…∫™……Bƒ, ™… n˘
- n¬ sebvk¨ Hm^o-k¿am-cpsS Officer, to sort out the problems, if any,
tbmKw aq∂p amk-Øn-sem-cn-°¬ sk¬
EÚ…‰<« Ω˛…‰∆ i……‰, =x…EÚ… ∫…®……v……x… EÚÆ˙x…‰ E‰Ú  ±…B ∫…¶…“ concerning the Zones.
hnfn-®p-Iq-´p-∂p.
+∆S…±……Â E‰Ú ∫…∆{…E«Ú + v…EÚ… Æ˙™……Â EÚ“ §…Ë`ˆEÚ EÚ… +…™……‰V…x… The duties & responsibilities and functions
sk√ns‚ I¿Ø-hy-߃ / {]h¿Ø-\ß
- ƒ
Xmsg ]d-bp-∂p. ¶…“  EÚ™…… V…… Æ˙Ω˛… Ω˲* of the Cell are:
 \nb-a-\w, DtZym-K-°-b-‰w, a‰p tkh\ EÚI… E‰Ú EÚi…«¥™…,  V…®®…‰n˘… Æ˙™……ƒ +…ËÆ˙Ú EÚ…™…« ™…‰ ΩÈ˛*  Ensuring compliance by the Bank with
B\p-Iq-ey-߃ / Cf-hp-Iƒ / kuP-\y-
+ V…… / +V… V…… i… E‰Ú {…I… ®…Â <x… ∫…®…÷n˘…™……Â ∫…‰
 orders and instructions pertaining to the
߃ F∂o Imcy-ßf - n¬ Fkv.k - n./Fkv.-
Sn. hn`m-KØ ∫…∆§…Œxv…i… EÚ®…«S…… Æ˙™…… EÚ…‰ ¶…i…‘ / {…n˘…z‰ … i… E‰Ú ®……®…±…‰
- n\v e`y-amb kwh-cW - s- Øbpw reservation of vacancies in favour of SC/
a‰v B\p-Iq-ey-ßs - fbpw kw_-‘n® \n¿t±- ST in the matter of recruitment/promotions
®… +…ËÆ˙ +x™… ∫…‰¥…… ±……¶…… /  Æ˙™……™…i…… / U⁄Ù]ı ∫…‰
i-ßfpw DØ-ch - p-Ifpw _m¶v bYm-hn[n \S- and other service benefits /relaxations/
∏n-em-°p-∂p-s≠∂v Dd-∏p-hc ∫…∆§…Œxv…i…  ÆHÚ ∫l……x…… E‰Ú +…Æ˙I…h… ∫…‰ ∫…∆§…Œxv…i… +…n‰˘∂……Â
- p-Øp-I. concessions admissible to employees
\nba\w, DtZymK°b‰w a‰v tkh\ +…ËÆ˙ +x…÷n‰˘∂…… EÚ… §…ÈEÚ u˘…Æ˙… +x…÷{……±…x… ∫…÷ x…Œ∂S…i… belonging to these communities.
B\pIqey߃ F∂o Imcyßfn¬ EÚÆ˙x……*
hnap‡ `S∑m¿°pw hnIemwK¿°pw  Ensuring compliance by the Bank with
e`yamb kwhcWsØbpw a‰v B\pIqey ¶…⁄i…{…⁄¥…« ∫…Ë x…EÚ +…ËÆ˙  ¥…EÚ±……∆M……Â E‰Ú {…I… ®…Â ¶…i…‘ /

orders and instructions pertaining to the
ßsfbpw kw_‘n® \n¿t±ißfpw {…n˘…z‰ … i… +…ËÆ˙ +x™… ∫…‰¥…… ±……¶…… E‰Ú ®……®…±…‰ ®… ¶…i…‘/ reservation of vacancies in favour of Ex-
DØchpIfpw _m¶v bYmhn[n \S∏n
{…n˘…z‰ … i… +…ËÆ˙ +x™… ∫…‰¥…… ±……¶…… E‰Ú ®……®…±…… ®…  Æ˙HÚ, Service and Physically handicapped in the
em°p∂ps≠∂v Dd∏phcpØpI.
matter of recruitment/promotions and
\nba\w, a‰v tkh\ B\pIqey߃ ∫l……x…… E‰Ú +…Æ˙I…h… ∫…‰ ∫…∆§…Œxv…i… +…n‰˘∂…… +…ËÆ˙ +x…÷n˘‰ ∂……Â
F∂o Imcyßfn¬ \yq\]£ hn`mKw/a‰v EÚ… §…ÈEÚ u˘…Æ˙… +x…÷{……±…x… ∫…÷ x…Œ∂S…i… EÚÆ˙x……* other service benefits.
]nt∂m° hn`mKw F∂nh¿°v e`yamb  Ensuring compliance by the Bank with
kwhcWsØbpw a‰v B\pIqeyßsfbpw +±{…∫…∆J™…EÚ ∫…®…÷n˘…™… / +x™… V…… i…™……Â E‰Ú {…I… ®…Â


orders and instructions pertaining to the


kw_‘n® \n¿t±ißfpw DØchpIfpw ¶…i…‘ +…ËÆ˙ +x™… ∫…‰¥…… ±……¶…… E‰Ú ®……®…±…‰ ®…  Æ˙HÚ,
_m¶v bYmhn[n \S∏nem°p∂ps≠∂v reservation of vacancies in favour of MC/
∫l……x…… E‰Ú +…Æ˙I…h… ∫…‰ ∫…∆§…Œxv…i… +…n‰˘∂…… +…ËÆ˙ +x…÷n˘‰ ∂……Â
Dd∏phcpØpI. OBC in the matter of recruitment and
 ]´nIPmXn-/]´nIh¿§ hn`mKßfpsS
EÚ… §…ÈEÚ u˘…Æ˙… +x…÷{……±…x… ∫…÷ x…Œ∂S…i… EÚÆ˙x……* other service benefits.
kwhcW \nbaw \S∏nem°p∂Xns‚ +V…… / +V… V…… i… E‰Ú  ±…B +…Æ˙I…h… x…“ i… E‰Ú

 Ensuring placing of Annual Review Report
]ptcmKXnsb°pdn®p≈ hm¿jnI
]p\x]cntim[\mdnt∏m¿´v \¬Inbn´p
±……M…⁄ Ω˛…x‰ …‰ EÚ“ |…M… i… {…Æ˙ ¥……Ãπ…EÚ ∫…®…“I……  Æ˙{……‰]ı« |…∫i…÷i… on the progress of implementation of
s≠∂v Dd∏phcpØpI. EÚÆ˙x…‰ EÚ…‰ ∫…÷ x…Œ∂S…i… EÚÆ˙x……* reservation policy for SC/ST.
33

14.7 hyh-kmb _‘߃ 14.7 +…Ët…‰ M…EÚ ∫…∆§…∆v… 14.7 INDUSTRIAL RELATIONS


Fwtπm- b okv bqWn- b - \ p- a mbpw Hm^o- EÚ®…«S……Æ˙“ ∫…∆P… i…l…… + v…EÚ…Æ˙“ B∫……‰ ∫…B∂…x… E‰Ú ∫……l… The time tested mechanism of bilateral
tkgvkv At m- n-tb-j\ - p-ambpw Imem-Im- negotiations at various levels of the
+…¥… v…EÚ §…Ë`ˆEÚ…Â E‰Ú V… Æ˙B ∫…∆M…`ˆx… E‰Ú  ¥… ¶…z… ∫i…Æ˙…Â {…Æ˙
e-ßf- n¬ \S-Øn-bn-´p-≈Xpw ^e-{]-Zs - a∂p organisation with the Employees’ Union
sXfn-™n-´p-≈X - p-amb D`-bI- £n N¿®-Iƒ ∫…®…™… {…Æ˙“ I…i…  u˘{…I…“™… §…Ë`ˆEÚ…Â EÚ“ ¥™…¥…∫l…… +…ËÆ˙ and the Officers’ Association through
{]iv\-]-cn-lm-c-Øn\pw kulm¿±-]-c-amb ∫…®…∫™……+…Â E‰Ú ∫…®……v……x… E‰Ú EÚ…Æ˙h… ∫…∆{…⁄h…« ¥…π…« §…ÈEÚ ®…Â periodical structured meetings and
hyh-kmb _‘w \ne-\n¿Øm\pw klm-
+…Ët…‰ M…EÚ ∫…∆§…∆v… ∫…n¬˘¶……¥…{…⁄h…« B¥…∆ ∫……ËΩ˛…n«˘{…⁄h…« Æ˙Ω˛‰* redressing the issues ensured harmonious
bn-®n-´p-≠v. and cordial industrial relations in the Bank
Fwtπm- b okv bqWn- b - \ p- a mbpw Hm^o- |…v……x… EÚ…™……«±…™… ∫i…Æ˙ i…l…… +…∆S… ±…EÚ EÚ…™……«±…™… ∫i…Æ˙ throughout the year.
tkgvkv At m-kn-tb-j-\p-ambpw slUv {…Æ˙ EÚ®…«S……Æ˙“ ∫…∆P… +…ËÆ˙ + v…EÚ…Æ˙“ B∫……‰ ∫…B∂…x… E‰Ú ∫……l… Bipartite meeting were held with
Hm^okv Xe-Ønepw tkmW¬ Hm^okv Xe-  u˘{…I…“™… §…Ë`ˆEÚ…Â EÚ… +…™……‰V…x… Ω÷˛+…* ¥…π…« E‰Ú n˘…ÆË ˙…x… 13 Employees’ Union, and Officers’
Ønepw D`-bI - £n N¿®-Iƒ \S-Øp-Ib - p- Association at Head Office level and Zonal
≠m-bn. Cs°m√w Ãm^v sh¬s^-b¿ IΩn-
§……Æ˙ ∫]ı…°Ú EÚ±™……h…  x… v… EÚ“ ∫]ı…°Ú EÚ±™……h… ∫… ®… i…
Offices’ level. Staff Welfare Committee and
‰n-bp-sSbpw SWF s‚ k_v IΩn-‰n-If - p-sSbpw i…l…… ={… ∫… ®… i… EÚ“ §…Ë`ˆEÚ…Â EÚ… +…™……‰V…x… Ω÷˛+…*
sub-committee meetings of Staff Welfare
13 tbmK-߃ tN¿∂p. 31 +H⁄Ú§…Æ˙ ∫…‰ 2 x…¥…®§…Æ˙ 2008 i…EÚ  i…Ø˚¥…x…xi…{…÷Æ˙®… Fund were held 13 times during the year.
Ãm^ns‚ kmlnXy ImbnI kmwkvImcnI ®… ∫]ı…°Ú ∫…… Ω˛ i™…EÚ, J…‰±… E⁄Ún˘ i…l…… ∫……∆∫EfiÚ i…EÚ ∫…®……Æ˙…Ω‰ ˛ The Staff Literary, Sport and Cultural
BtLmjamb _m¶v s^Ãv 2008 HIvtSm-
_¿ 31 apX¬ \hw-_¿ 2 hsc Xncp-h\- ¥
- - §…ÈEÚ°‰Ú∫]ı EÚ… +…™……‰V…x…  EÚ™…… M…™…… l……* ∫…¶…“ +∆S…±……Â ∫…‰ festival, Bankfest, was conductedst
at
Thiruvananthapuram from 31 October to
]p-cØv kwL-Sn-∏n-®p. hnhn[ tkmWp-I- 500 ∫…‰ + v…EÚ ∫]ı…°Ú ∫…n˘∫™…… x…‰‰ <∫…®… ¶……M…  ±…™……* nd
2 November 2008. More than 500 staff
fn¬ \n∂pw 500-˛¬]cw Poh-\°
- m¿ AXn¬
]¶p--sIm-≠p. 15. ∫…÷Æ˙I…… ¥™…¥…∫l……Bƒ members participated from all the Zones.

15. kpc-£m-{I-ao-I-c-W-߃ S……±…⁄ ¥…π…« E‰Ú n˘…ÆË ˙…x… n‰˘∂… ¶…Æ˙ ®… |… i…E⁄Ú±… ∫…÷Æ˙I…… ¥……i……¥…Æ˙h… 15. SECURITY ARRANGEMENTS
cmPyØv samØ-Øn¬ tami-amb kpc£m i…l…… EÚ<« +x™… §…ÈEÚ…Â ®… EÚ<« P…]ıx……+… E‰Ú §……¥…V…⁄n˘ ∫…÷Æ˙I…… There has been no loss of cash or valuables
kml-Nc - y-am-Wp-≠m-bn-cp-∂Xv. _m¶p-If- n¬ to the Bank due to security lapses in the
j…÷ ]ı™……Â E‰Ú EÚ…Æ˙h… §…ÈEÚ EÚ…‰ EÚ…‰<« Æ˙…E‰ Úc˜ +l…¥…… ®…⁄±™…¥……x…
]e kw`-h-ß-fp-≠m-bn-´pw, \S-∏p-h¿jw current year despite the overall adverse
\ΩpsS _m¶n¬ kpc-£m-]n-g-hp-Im-cWw ¥…∫i…÷+… EÚ“ Ω˛… x… x…Ω˛” Ω÷˛<*« M…i… ¥…π…« E‰Ú S……Æ˙ P…]ıx……+… security environment in the country and a
]Wtam hne-]n-Sn-∏p≈ hkvXp-°tfm \jvS- EÚ“ i…÷±…x…… ®… <∫… ¥…π…« 11 |…™……∫… / ∫…÷Æ˙I…… P…]ıx……Bƒ number of incidents in many other banks.
s∏-´n-´n-√. kpc-£b - p-ambn _‘-s∏´ \mep P…]ı”* EÚ…‰ ^ı™…®… ®…Â BEÚ +…Ï°Ú∫……<]ı B ]ı“ B®… ±…⁄]x…‰ EÚ… There were 11 attempts/security incidents
kw`-h-߃ / {ia-߃ Ign-™-h¿jw this year compared to four last year. There
D≠m-sb-¶n¬ Cs°m-√w, AØcw ]Xn-
¶……Æ˙“ |…™……∫… Ω÷˛+…, V……‰  EÚ +∫…°Ú±… Æ˙Ω˛…* EÚ…‰i…®…∆M…±…®… was one major attempt to rob an offsite
s\m∂p kw`-h-ß-fp-≠mbn. sIm´n-bØv ∂……J…… E‰Ú §…ÈEÚ {… Æ˙∫…Æ˙ E‰  x…EÚ]ı x…EÚn˘“ UÙ“x…x…‰ EÚ“ ATM at Kottiyam, which was unsuccessful.
_m¶n\p ]pdsØ Hcp ATM¬ henb Hcp BEÚ +x™… P…]ıx…… E‰Ú ∫…®…™… ¥…Ω˛…ƒ ={…Œ∫l…i… ∫…÷Æ˙I…… M……b«˜ In another incident of cash snatching near
tamj-W-{iaw \S-s∂-¶nepw hnP-bn-®n-√. the bank premises of Kothamangalam
∫…S…‰i… l…‰ +…ËÆ˙ ¥……‰ n˘…π‰ …“ EÚ…‰ {…EÚc˜EÚÆ˙ Ø˚. 6.5 ±……J…
as‰mcp kw`-h-Øn¬ tImX-aw-Kew imJ- branch, the security guards present were
bpsS ]cn-k-cØv ]Ww ]nSn®p ]dn-°m- ®…⁄±™… EÚ… Æ˙…E‰ Úc˜ {…÷x…& |……{i… EÚÆ˙ ∫…E‰Ú* ∫…¶…“ 134 alert and were able to nab the culprit and
\p≈ {iaw \S-∂psh¶nepw ÿe-Øp-≠m- EÚƉ˙x∫…“ S…‰∫]ı… ®… C±……‰∫b˜ ∫…ÃEÚ]ı ]‰ı ±… ¥…W…x… ®……Ï x…]ı∫…« recover cash worth Rs.6.5 lac. All 134
bn-cp∂ skIyq-cn‰n Km¿Up-Iƒ PmK-cq-Ic - m-
(∫…“ ∫…“ ]ı“ ¥…“) ±…M……B M…B* |…M……®…“ ∞¸{… ∫…‰ ®…‰]ı≈…‰ B¥…∆ currency chests have been installed with
bn, Ip‰-hm-fnsb ]nSn-Iq-Sn. 6.5 e£w cq] Closed Circuit Television Monitors
hos≠-Sp-Øp. 134 Id≥kn sNÃp-I-fn¬ §…c‰˜ ∂…Ω˛Æ˙… ®… ∫…“ ∫…“ ]ı“ ¥…“ ±…M……B V…… Æ˙Ω˛‰ ΩÈ˛* §…ÈEÚ [CCTVs]. Progressively, CCTVs are being
CCTV Iƒ ÿm]n-®p. sat{SmIfnepw h≥ EÚ“ B‰∫…“ ∂……J……Bƒ V…Ω˛…ƒ ∫…÷Æ˙I…… M……b«˜ i…Ëx……i… x…Ω˛” Ω˲, =x… installed in branches in metros and large
\K-cß- f - n-ep-ap≈ imJ-If - nepw CCTV Iƒ ∂……J……+…Â ®…Â ∫…∆™…÷HÚ / BEÚ“EfiÚi… +±……®…«  ∫…∫]ı®… |…M……®…“ towns. Composite/Integrated alarm
ÿm]n-°p-∂p-≠v. skIyq-cn‰n Km¿Up-If - n- systems are being installed progressively in
√mØ _m¶p- i m- J - I - f n¬ kwtbm- P nX Ø˚{… ∫…‰ ∫l…… {…i…  EÚ™…… V…… Æ˙Ω˛… Ω˲* B ]ı“ B®……‰∆ ®…Â
bank branches without security guards.
Aemdw kwhn- [ m\w ÿm]n- ° p- ∂ p- ≠ v .  x…M…Æ˙…x…“ EËÚ®…Æ˙… ±…M……B V…… Æ˙Ω˛‰ ΩÈ˛* Surveillance cameras are being installed in
ATM I- f n¬ k¿sh- e b≥kv Iyma- d - I ƒ
ATMs.
ÿm-]n-®p-h-cp-∂p. 16. O……Ω˛EÚ ∫…‰¥……
16. CS-]m-Sp-Im¿°p≈ tkh\w 16. CUSTOMER SERVICE
§…ÈEÚ ®… O……Ω˛EÚ ∫…‰¥…… EÚ…‰ ∫…¥……ÊSS… |……l… ®…EÚi…… n˘“ V……i…“
D]t`mIvXr tkh\Øn\v _m¶v ap¥nb ]cn- Customer service in the Bank is accorded
Ω˲ B¥…∆ O……Ω˛EÚ…Â i…l…… =x…EÚ“  ∂…EÚ…™…i…… EÚ…  x…¥……Æ˙h… top priority and every endeavour is made
K-W-\-bmWv \¬Ip-∂-Xv. CS-]m-Sp-Im¿°v
sa®-s∏´ tkh\w e`y-am-°m\pw Ah-cpsS
EÚÆ˙x…‰ Ω‰˛i…÷ M…÷h…¥…k…… ∫…‰¥…… EÚ…‰ ∫…÷v……Æ˙x…‰ ®… |…i™…‰EÚ |…™……∫… to improve the quality of service to the
]cm-Xn-Iƒ ]cn-lc
- n-°m\pw F√m {ia-ßfpw  EÚ™…… M…™…… Ω˲* M…÷h…¥…k…… ®…⁄±™… ™……‰ V…i… ∫…‰¥……+… u˘…Æ˙… customers and redress their grievances. All
34

\S- Ø p- ∂ p- ≠ v . aqey- h ¿≤nX tkh- \ - ∫…®…÷ S…i… =i{……n˘ |…n˘…x… EÚÆ˙i…‰ Ω÷˛B O……Ω˛EÚ ∫…÷J…-∫…÷ ¥…v……Bƒ efforts are made to improve the customer
Øns‚ ]n≥_-e-ap≈ \ne-hm-c-ap≈ tkh- ∫…÷v……Æ˙x…‰ ®… n˘“P…« |…™……∫…  EÚB M…B ΩÈ˛* satisfaction by offering suitable products
t\m-ev]-∂-߃ sIm≠v CS-]m-Sp-Im¿°v enhanced by quality value-added services.
kwXr]vXn {]Zm\w sNøm≥ _m¶v §…ÈEÚ ®…Â BEÚ {…⁄h…«  ¥…EÚ ∫…i… O……Ω˛EÚ  ∂…EÚ…™…i… i…∆j… A full-fledged customer grievances
{]tXyIw {i≤n-°p-∂p.
EÚ…™…«Æ˙i… Ω˲* <∫… I…‰j… E‰Ú EÚ…™…« x…π{……n˘x… EÚ…‰ §…ÈEÚ E‰Ú redressal mechanism is functioning in the
CS-]m-Sp-Im-cpsS ]cm-Xn-Iƒ ]cn-lc - n-°p-∂-
§……‰b˜« i…l…… |…v……x… EÚ…™……«±…™… EÚ“ ∂…“π…« ∫i…Æ˙“™… O……Ω˛EÚ Bank. The performance in this area is
Xn\v kpk-÷-amb Hcp ]cmXn ]cn-lmc
kwhn[m\w _m¶n¬ \ne-hn-ep-≠v. CXns‚ reported to the Bank’s Board and the Apex
∫…‰¥…… ∫… ®… i… EÚ…‰  Æ˙{……‰]«ı  EÚ™…… V……i…… Ω˲* i……Æ˙…{…⁄Æ˙ Level Customer Service Committee at
{]h¿Ø\w _m¶ns‚ t_m¿Un\pw slUv
Hm^o-knse D∂-X-Xe IÃ-a¿ k¿hokv ∫… ®… i…  ∫…°Ú… Æ˙∂…… E‰Ú +x…÷¥…i…«x… ®… M… `ˆi… O……Ω˛EÚ ∫…‰¥…… Head Office. The Standing Committee on
IΩn-‰n°pw dnt∏m¿´p sNø-s∏-Sp-∂p. Xm-cm- {…Æ˙ ∫l……™…“ ∫… ®… i… ¶…“ §…ÈEÚ u˘…Æ˙… n˘“ V……x…‰¥……±…“ O……Ω˛EÚ Customer Service, constituted pursuant to
t]m¿ IΩn-‰n-bpsS ip]m¿i-{]-Imcw cq]o- Tarapore Committee recommendations,
Ir-X-amb IÃ-a¿ k¿hokv Ãm≥UnwKv ∫…‰¥…… EÚ“ M…÷h…¥…k…… {…Æ˙  x…™… ®…i… +∆i…Æ˙…±…… {…Æ˙ ∫…®…“I…… also reviews the quality of customer service
IΩn-‰n, _m¶ns‚ IÃ-a¿ k¿hokv \ne- EÚ“ V……i…“ Ω˲* ∫…®…“I……v…“x… ¥…π…« E‰Ú n˘…ÆË ˙…x…  ∂…EÚ…™…i…… extended in the Bank at regular intervals.
hmcw \n›nX CS-th-fI - f - n¬ Ah-tem-I\w The average time taken for disposal of
sNøp-∂p-≠v. \S-∏p-h¿j-Øn¬ ]cm-Xn-Iƒ E‰Ú  x…{…]ı…Ɖ˙ E‰Ú  ±…B  n˘™…… V……x…‰¥……±…… +…Ë∫…i… ∫…®…™…
complaints has been reduced to 14 days
]-cn-lc- n-°p-∂X - n-s\SpØ icm-icn kabw |…v……x… EÚ…™……«±…™… ∫i…Æ˙ {…Æ˙ 14  n˘x……Â +…ËÆ˙ +…∆S… ±…EÚ
slUv Hm^okv Xe-Øn¬ 14 Znh-khpw at Head Office level and to 15 days at Zonal
tkmW¬ Hm^okv Xe-Øn¬ 15 Znh-kh - p-
EÚ…™……«±…™… ∫i…Æ˙ {…Æ˙ 15  n˘x…… i…EÚ EÚ®… EÚÆ˙  n˘™…… M…™…… Office level during the year under review.
ambn Ipd-®p. Ω˲* The updated version of the “Citizen’s
G‰hpw ]pXnb hnh-cß - ƒ Dƒs°m≈n® Charter” is made available in booklet form
'x……M… Æ˙EÚ S……]«ıÆ˙' EÚ… +ti…x… ∞¸{… {…÷Œ∫i…EÚ… ∞¸{… ®…Â
""kn‰n-k¨kv Nm¿´¿'' eLp-te-Jb - psS cq]- and also in the Bank’s website which
Ønepw _m¶ns‚ sh_vssk-‰nepw e`y-am- ={…±…§v… EÚÆ˙…™…… M…™…… Ω˲ +…ËÆ˙ §…ÈEÚ E‰Ú ¥…‰§…∫……<]ı ®… V……‰ provides customers and the general public
Wv. s]mXp-P\ - ß- ƒ°pw CS-]m-Sp-Im¿°pw with the key information regarding the
O……Ω˛EÚ…Â +…ËÆ˙ +…®… V…x…i…… EÚ…‰ O……Ω˛EÚ §…ËE∆ ÚÆ˙  Æ˙∂i…‰ E‰Ú
Ikv‰a¿ ˛ _m¶¿ _‘sØ kw_-‘n- common areas of customer-banker
°p∂ kp{]-[m\ hnh-cß - ƒ AXn¬\n∂p ∫…®……x… I…‰j…… ∫…‰ ∫…∆§…Œxv…i… ®…Ω˛i¥…{…⁄h…« V……x…EÚ…Æ˙“ n‰˘i…… Ω˲*
relationship.
e`n-°pw.
Ω˛®……Ɖ˙ §…ÈEÚ x…‰ Ø˚{…B +…ËÆ˙  ∫…CEÚ…Â E‰Ú  ¥… x…®…™… {…Æ˙ BEÚ Our Bank has also circularized a ‘Citizen’s
Id≥kn t\m´p-I-fp-sSbpw \mW-b-ß-fp-
sSbpw ssIam‰w kw_- ‘ n®v dnk¿hv x……M… Æ˙EÚ S……]«ıÆ˙ ¶…“ {… Æ˙S…… ±…i…  EÚ™…… Ω˲ V……‰  Æ˙W…¥…« Charter on Exchange of Notes and Coins’
_m¶nepw a‰p hmWnPy _m¶p-If - nepw e`y- which provides information on the currency
§…ÈEÚ +…Ï°Ú <∆ b˜™…… +…ËÆ˙ ∫……l… Ω˛“ +x™… ¥…… h…ŒV™…EÚ
amb kuI-cy-ß-sf-∏‰n {]Xn-]m-Zn-°p∂ exchange facilities of various types available
""t\m´p- I - f p- s Sbpw \mW- b - ß - f p- s Sbpw §…ÈEÚ…Â ®…Â ={…±…§v… i…Æ˙Ω˛-i…Æ˙Ω˛ EÚ“ ®…÷p˘…  ¥… x…®…™… ∫…÷ ¥…v……+…Â at the Reserve Bank of India as well as other
ssIam-‰sØ kw_-‘n® ""kn‰n-k¨kv commercial banks. Bank’s Fair Lending
Nm¿´¿'' \ΩpsS _m¶v k¿°p-e¿ cq]-
{…Æ˙ V……x…EÚ…Æ˙“ n‰˘i…… Ω˲* §…ÈEÚ EÚ“ = S…i… @Òh… n‰˘™…
Practices Code has also been published.
Øn¬ {]N- c n- ∏ n- ° p- ∂ p- ≠ v . _m¶ns‚ EÚ…™…«|…h……±…“ EÚ…‰b˜ ¶…“ |…EÚ… ∂…i… EÚ“ M…<« Ω˲* x……M… Æ˙EÚ
""s^b¿ se≥UnMv {]mIvSo-kkv tImUpw'' Progress of implementation of Citizen’s
{]kn-≤o-Ic - n-®n-´p-≠v. kn‰n-k¨kv Nm¿´-dn-
S……]«ıÆ˙ E‰Ú EÚ…™……«x¥…™…x… EÚ“ |…M… i… +…ËÆ˙ = S…i… EÚ…™…«|…h……±…“ Charters and the Fair Practices Code is also
sebpw s^b¿ {]mIvSo-kkv tImUn-sebpw EÚ…‰b˜ ¶…“ |…v……x… EÚ…™……«±…™… ®…Â +…ËÆ˙ +…∆S… ±…EÚ ∫i…Æ˙ E‰Ú being monitored at Head Office and Zonal
\n¿tZ-i-߃ ]men-°-s∏-Sp-∂pt≠m F∂v Office level Customer Service Committee
O……Ω˛EÚ ∫…‰¥…… ∫… ®… i… §…Ë`ˆEÚ…Â ®…  x…M…Æ˙…x…“ EÚ“ V……i…“ ΩÈ˛*
slUv Hm^okv Xe- Ø nepw tkmW¬ meetings. Inspecting officials are also
Hm^okv Xe-Ønepw ktΩ-fn-°p∂ IÃ-a¿  x…Æ˙“I…h… + v…EÚ…Æ˙“˙ ∂……J……+… ®… n˘“ V……x…‰¥……±…“ O……Ω˛EÚ examining the quality of customer service
k¿hokv IΩn‰n tbmK-ßf - n¬ N¿®-sNbvXv
∫…‰¥…… EÚ“ M…÷h…¥…k…… EÚ“ V……ƒS… ¶…“ EÚÆ˙i…‰ ΩÈ˛* rendered at the branches.
Dd-∏p-h-cp-Øm-dp-≠v. imJ-I-fnse CS-]m-Sp-
Im¿°p≈ tkh-\Ø - ns‚ KpW-\n-eh - mcw Bank has also established a Call Centre with
§…ÈEÚ x…‰ O……Ω˛EÚ…Â / V…x… ∫……v……Æ˙h… EÚ…‰ +{…x…‰ ∫…⁄S…x……
]cn-tim-[\m DtZym-Kÿ - ∑
- m¿ aptJ\ hne- Toll free No.1800 425 5566 enabling the
bn-cp-Ø-s∏-Sp-∂p-≠v.  ∂…EÚ…™…i…… EÚ…‰ ∂…“Q… n⁄˘Æ˙ EÚÆ˙x…‰ Ω‰˛i…÷ ]ı…‰±… x…∆§…Æ˙ - customers / general public to get
s]mXp-P\ - ß
- f - psSbpw / CS-]m-Sp-Im-cpsSbpw 1800 425 5566 E‰Ú ∫……l… BEÚ Eڅϱ… ∫…‰x]ıÆ˙ ∫…∆∫l…… {…i… information / resolve complaints
kwi-b-ßfpw ]cm-Xn-Ifpw s]s´∂p ]cn- expeditiously. Adequate publicity of the
l-cn-°p-∂X - n-te-°mbn 1800 425- 5566 F∂  EÚ™…… Ω˲* V…x…∫……v……Æ˙h… EÚ…‰ ={…±…§v… ={…™…÷H« Ú ∫…÷ ¥…v……+…Â
aforesaid facilities available to public is in
tSmƒ {^o \º-cn¬ Hcp Imƒ sk‚¿ _m¶v EÚ… ®…÷p˘h… B¥…∆ o˘∂™… ®……v™…®…… u˘…Æ˙… EÚ…°Ú“ |…S……Æ˙  EÚ™…… place both through print and visual media.
ÿm]n-®n-´p-≠v. C∏-d™ kuI-cy-ßs - f-°p-
dn®v A®-Sn-˛Z- riy am[y-aß - f - n-eqsS Bh-iy- M…™…… Ω˲* As another step in this direction, Bank has
amb ]c-ky-߃ \¬In hcp∂p. launched an innovative facility called SMS
<∫…  n˘∂…… ®… BEÚ n⁄˘∫…Ɖ˙ EÚn˘®… E‰Ú ∞¸{… ®… §…ÈEÚ x…‰
CXp IqSmsX _m¶v, CS-]m-Sp-Im-cpsS ]cmXn “SBT CARE” for customer care. Any person
]cn-lm-cØ - n\v Hcp \qX\ kwhn-[m-\w, ""SMS
O……Ω˛EÚ ∫…÷Æ˙I…… Ω‰˛i…÷ B∫… B®… B∫… ""B∫… §…“ ]ı“ E‰Ú™…Æ˙'' can send an enquiry or complaint by sending
SBT CARE'' Bcw-`n-®n-´p-≠v. AXn≥{]-Im-cw, x……®…EÚ BEÚ x…™…… i…∆j… ∂…÷Ø˚  EÚ™…… Ω˲* EÚ…‰<« ¶…“ ¥™… HÚ an SMS “SBT CARE” which will be
35

\nt£]߃
V…®……Æ˙… ∂…™……ƒ
Deposits

Rs.42,042 cr.

Rs.35,354 cr.

Rs.30,984 cr.

Core competency in technology…….


Shri A K Jagannathan, Managing Director, handing over a memento purchased
through “E-Commerce” to Shri Ajay Kumar IAS, IT Secretary, Govt. of Kerala,
at the launching ceremony.

_m¶ns‚ CS-]m-Sp-Im¿°v _m¶ns‚ GsX- {…⁄UÙi……UÙ ™……  ∂…EÚ…™…i… ""B∫… B®… B∫… B∫… §…“ ]ı“ immediately responded by a telephone call
¶nepw tkh-\-sØ-°p-dn®p Xr]vXn-bn-s√- E‰Ú™…Æ˙'' u˘…Æ˙… ¶…‰V… ∫…EÚi…… Ω˲  V…∫…EÚ… |…v……x… EÚ…™……«±…™… from Customer Care functionary at Head
¶n¬, SBT CARE te°v Hcp SMS Ab®p
]cm-Xn-s∏-Sm-hp-∂-Xm-Wv. slUv Hm^okn E‰Ú O……Ω˛EÚ Æ˙I…… EÚ…™…«EÚi……« n⁄˘Æ˙¶……π… EÚÆ˙E‰Ú i…÷Æ∆˙i… Ω˛“ Office. ‘Customer Day’ is observed at all
epff IÃa¿ sIb¿ DtZymKÿ¿ Cu V…¥……§…  n˘™…… V……i…… Ω˲* O……Ω˛EÚ…Â EÚ“ +{…x…“  ∂…EÚ…™…i…… the offices of the Bank across the
th
]cmXnIfnt∑¬ DS≥Xs∂ sSen
EÚ…‰ n˘V…« EÚÆ˙x…‰ +…ËÆ˙ O……Ω˛EÚ ∫…‰¥…… ®… ∫…÷v……Æ˙ E‰Ú  ±…B Organisation on the 15 of every month
t^mWneqsS ]cmXn°mc\pambn th
(next day, if 15 is a holiday or half day).
_‘s∏Sp∂XmWv. ∫…÷Z……¥… n‰˘x…‰ E‰Ú  ±…B Ω˛Æ˙ ®…Ω˛“x…‰ EÚ“ 15 EÚ…‰ ∫…∆∫l……x… ®…Â
_m¶ns‚ cmPy-sam-´p-°p≈ F√m Hm^o-kp- §…ÈEÚ E‰Ú ∫…¶…“ EÚ…™……«±…™…… ®… 'O……Ω˛EÚ  n˘¥…∫…' ®…x……™…… Banking Codes & Standards Board Of
I-fnepw Hmtcm amkhpw 15-˛mw XobXn (15- India (BCSBI)
V……i…… Ω˲ (+M…±…‰  n˘x…, ™… n˘ 15 EÚ…‰ U÷Ù]¬ı]ı“ Ω˲ ™……
˛mw XobXn Ah[n Znh-ktam A¿≤ Ah[n
Znh-ktam BsW-¶n¬ AXn-\S- pØ Znh-kw) +…v……  n˘x… Ω˛…)‰ The Bank is a member of the Banking
IÃ-a¿ Zn\w Bbn BN-cn-®p hcp∂p.
§…ÈÀEÚM… EÚ…‰b˜¬∫… Bhb˜ ∫]Ëıhb˜b˜¬∫…« §……‰b˜« +…Ï¢Ú <∆ b˜™…… (§…“ Codes & Standards Board of India, which
_m¶nwKv tImUvkv & is a registered society, sponsored by
∫…“ B∫… §…“ +…<«)
Ãm≥tU¿Uvkv t_m¿Uv Hm^v Reserve Bank of India. The Code of Bank’s
C¥y (BCSBI) §…ÈEÚ, §…ÈÀEÚM… EÚ…‰b˜¬ ∫… Bhb˜ ∫]Ëıhb˜∫…« §……‰b˜« +…Ï°Ú <∆ b˜™……
Commitment to Customers is available on
dnk¿hv _m¶v kvt]m¨k¿ sNøp∂ cPn- EÚ… ∫…n˘∫™… Ω˲ V……‰ ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… |……™……‰ V…i… our website. This is a voluntary Code, which
ÿ sNø-s∏´ skmssk-‰n-bmb BCSBI˛ {…∆V…“EfiÚi… ∫……‰∫……<«]ı“ Ω˲* O……Ω˛EÚ…Â E‰Ú |… i… §…ÈEÚ EÚ“
bn¬ \ΩpsS _m¶v AwK-am-Wv. CS-]m-Sp-Im- sets minimum standards of banking
tcm-Sp≈ _m¶ns‚ {]Xn-_≤ - X kw_-‘n- ¥…S…x…§…r˘i…… EÚ… EÚ…‰b˜ Ω˛®……Ɖ˙ ¥…‰§…∫……<]ı {…Æ˙ ={…±…§v… Ω˲* practices. The Deputy General Manager
°p∂ \S-]S- n-®´w \ΩpsS sh_vssk-‰n¬ ™…Ω˛ ∫¥…ËŒSUÙEÚ EÚ…‰b˜ Ω˲ V……‰ §…ÈÀEÚM… |…ËŒC]ı∫… EÚ… x™…⁄x…i…®… (Compliance) is the designated Principal
e`y-am-Wv. _m¶nwKv \S-]-Sn-{I-a-ß-fpsS
G‰hpw Ipd™ am\-ZW - vUß- ƒ ]men-°- ∫i…Æ˙ ∫l…… {…i… EÚÆ˙i…… Ω˲* ={… ®…Ω˛… |…§…∆v…EÚ (+x…÷{……±…x…) Code Compliance Officer at Head Office.
s∏-Sp-hm-\p≈ Hcp kzbw \nb-{¥W N´-am- |…v……x… EÚ…™……«±…™… ®…Â {…n˘x…… ®…i… |…v……x… EÚ…‰b˜ +x…÷{……±…x… The relative Annual Statement of
Wn-Xv. CXp ]cn-]m-en-°-s∏-Sp-∂-Xn-\mbn Compliance has also been submitted by
+ v…EÚ…Æ˙“  x…™…÷HÚ  EÚB ΩÈ˛* +x…÷{……±…x… EÚ“ ∫…∆§…∆ v…i…
slUv Hm^okv Xe-Øn¬ sU]yq´n P\-d¬
amt\-Psc (A-\p-]m-e\ - w) Npa-Xe
- s
- ∏-Sp-Øn- ¥……Ãπ…EÚ  ¥…¥…Æ˙h…“ §…ÈEÚ u˘…Æ˙… §…“ ∫…“ B∫… §…“ +…<« EÚ…‰ the Bank to the BCSBI.
bn- ´ p- ≠ v . CXp kw_- ‘ n® \n¿h- l W ¶…“ |…∫i…÷i… EÚ“ V……i…“ Ω˲* 17. RIGHT TO INFORMATION ACT
dnt∏m¿´v _m¶v h¿jw tXmdpw BCSBI bv°p
ka¿∏n-°p-∂p-≠v. 17. ∫…⁄S…x…… + v…EÚ…Æ˙ + v… x…™…®… The Right to Information Act, 2005, was
17. hnh-cm-h-Imi \nbaw implemented in the Bank during 2005 -
¥…π…« 2005-2006 E‰Ú n˘…ÆË ˙…x… §…ÈEÚ ®…Â ∫…⁄S…x…… + v…EÚ…Æ˙
2005-˛se hnh-cm-h-Imi \nbaw 2005-˛2006 2006. In terms of the Act, Central Public
Ime- b - f - h n¬ _m¶n¬ \S- ∏ n- e m- ° n. + v… x…™…®…, 2005 ±……M…⁄  EÚ™…… M…™……* + v… x…™…®…
Information Officers, Asst. Central Public
{]kvXpX \nb-a-Ønse hyh-ÿ-I-f-\p-k-
cn®v sk≥{S¬ ]ªnIv C≥^¿ta- j ≥ EÚ“ ∂…i……Á E‰Ú +x…÷∫……Æ˙,  x…v……« Æ˙i… ∫…®…™…-∫…“®…… ®… E‰Úxp˘“™… Information Officers and Appellate
Hm^o-k¿am-scbpw Akn- v sk≥{S¬ V…x… ∫…⁄S…x…… + v…EÚ…Æ˙“, ∫…Ω˛…™…EÚ E‰Úxp˘“™… V…x… ∫…⁄S…x…… Authorities were nominated and a system
36

]ªnIv C≥^¿ta-j≥ Hm^o-k¿am-scbpw + v…EÚ…Æ˙“ B¥…∆ +{…“±… |…… v…EÚ…Æ˙“˙ x…… ®…i…  EÚB M…B was put in place to receive the applications
A∏-te‰v AtXm-dn-d-dn-I-sfbpw \nb-an-®p. i…l…… §…ÈEÚ B¥…∆ ∫…∆§…∆ v…i… ®……®…±…… E‰Ú §……Ɖ˙ ®… ∫…⁄S…x…… / queries from the public seeking information
_m¶n-s\bpw _‘-s∏´ Imcy-ß-sfbpw
®……∆M…x…‰ ¥……±…“ V…x…i…… ∫…‰ +…¥…‰n˘x… ∫…¥……±… |……{i… EÚÆ˙x…‰ about the Bank and related matters and
]‰n hnh- c - ß ƒ At\z- j n- ® p- s Im- ≠ p≈
s]mXp-P\
- ß
- f - psS At]-£I- ƒ kzoI-cn-°p- +…ËÆ˙  x…™…i… ∫…®…™… ∫…“®…… ®… i…iEÚ…±… =k…Æ˙ n‰˘x…‰ Ω‰˛i…÷ to furnish reply promptly within the
∂-Xn\pw \n›nX ka-bØn-\p-≈n¬ adp-]Sn BEÚ |…h……±…“ ∫l…… {…i… EÚ“ M…<«* ¥…π…« E‰Ú n˘…ÆË ˙…x… + v… x…™…®… stipulated time limit. The applications /
\¬Ip-∂-Xn-\p-ap≈ kwhn-[m-\-ap-≠m-°n. queries received under the Act during the
Cu BIvSv A\p-k-cn®p e`n® At]-£- E‰Ú +xi…M…«i… |……{i… +…¥…‰n˘x……Â / ∫…¥……±……Â EÚ… i…iEÚ…±…
year were replied promptly. During the year,
Iƒ°pw At\z-jW - ß
- ƒ°pw IrXy-ka - b
- -  x…{…]ı…x…  EÚ™…… M…™……* ¥…π…« E‰Ú n˘…ËÆ˙…x… §…ÈEÚ EÚ…‰
Øp-Xs∂ adp]Sn \¬In. \S∏p h¿jw Sn Bank received 335 applications under the
+ v… x…™…®… E‰Ú +xi…M…«i… 335 +…¥…‰n˘x… |……{i… Ω÷˛B
\nba{]Imcw 335 At]£Iƒ e`n°pI Act and all the applications were disposed
bpw Ah \n›nX kabØn\p≈n¬ i…l…… +…¥…‰n˘x……Â EÚ… i…iEÚ…±… B¥…∆ ∫…®…™… ∫…“®…… E‰Ú
of promptly and within the timeframe.
\S]SnIƒ FSp°pIbpw sNbvXp. ¶…“i…Æ˙  x…{…]ı…x…  EÚ™…… M…™……*
18. KYC am\-Z-WvU-ßfpw AML 18. KYC NORMS / AML MEASURES
18. +{…x…‰ O……Ω˛EÚ…Â EÚ…‰ V……x……‰ ®……x…n˘hb˜ / Bh]ı“ ®…x…“
\S-]-Sn-Ifpw In term of the RBI instructions, KYC norms
±……Ïhb˜ıÀÆ˙M… ={……™…
dnk¿hv _m¶ns‚ \n¿t±-iß - ƒ°-\p-kr-X- / AML measures are strictly adhered to by
am-bn, KYC am\-ZW- Uv ß - ƒ / AML \S-]S- n-Iƒ ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ +x…÷n˘‰ ∂…… E‰Ú +x…÷∫……Æ˙ ∂……J……Bƒ E‰Ú the branches. A system is in place to
IrXy-ambn ]men-°s - ∏-Sp-∂p-≠v. Ch ]men-
°- s ∏- S p- ∂ ps≠∂v Dd- ∏ p- h - c p- Ø m\p≈
¥……<« ∫…“ ®……x…n˘hb˜…Â / BB®…B±… ={……™……Â EÚ… ∫…Ji… oversee the compliance with the KYC /
kwhn-[m-\hpw \ne-hn-ep-≠v. GsX-¶nepw +x…÷{……±…x… EÚÆ˙ Æ˙Ω˛“ ΩÈ˛* E‰Ú¥……<«∫…“ / BB®…B±… ®……x…n˘hb˜… AML norms. As per RBI / GOI directions,
hyXn-bm-\tam ewL-\tam {i≤-bn¬s∏- E‰Ú +x…÷{……±…x… EÚ“ n‰˘J…Ɖ˙J… EÚÆ˙x…‰ E‰Ú  ±…B BEÚ |…h……±…“ cash transactions above the stipulated level
´m¬ Ah ]cn-lc - n®v kw`-hh - n-Im-kß - ƒ together with suspicious transactions, if any,
BLAC °p dnt∏m¿´p sNøp-∂p. dnk¿hv _m¶v
§…x……<« M…<« Ω˲* ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ / ¶……Æ˙i… ∫…Æ˙EÚ…Æ
/ C¥ym Kh-s◊‚ v \n¿t±-i-ß-f-\p-k-cn®v  x…n‰˘∂…… E‰Ú +x…÷∫……Æ˙  x…v……« Æ˙i… ∫i…Æ˙ E‰Ú >{…Æ˙ E‰Ú ±…‰x…n‰˘x… are reported at monthly intervals to the
\n¿±njvS XpI-bv°p apI-fn-ep≈ ]W-an-S] - m- +…ËÆ˙ ™… n˘ EÚ…‰<« ∫…∆ n˘Mv… ±…‰x…n‰˘x… Ω˲ i……‰ =∫…‰ ¶…“  ¥…k…“™… Financial Intelligence Unit under the
Sp-Ifpw kwi-bm-kv]-Z-amb CS-]m-Sp-Ifpw Ministry of Finance, Govt. of India. The
amkw- t Xmdpw C¥ym- K - h - s ◊‚ ns‚ +…∫…⁄S…x…… ™…⁄ x…],ı  ¥…k… ®…∆j……±…™…, ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ EÚ…‰
DGM (Operations) is the designated
[\Imcy- a - { ¥m- e - b - Ø n- \ p - I o- g n- e p≈ ®…… ∫…EÚ +∆i…Æ˙…±… {…Æ˙  Æ˙{……‰]ı« EÚ“ V……i…“ Ω˲* B B®… B±…
ss^\m≥jy¬ C‚-en-P≥kv bqWn-dd- n\p Principal Officer of the Bank under the AML
+ v… x…™…®… 2002 E‰Ú +∆i…M…«i… ={… ®…Ω˛… |…§…∆v…EÚ
dnt∏m¿´p sNøm-dp-≠v. AML \nbaw 2002 Act, 2002.
A\pkcn®v \ma\n¿t±iw sNbvX apJy ({… Æ˙S……±…x…) EÚ…‰ §…ÈEÚ EÚ… |…v……x… + v…EÚ…Æ˙“ {…n˘x…… ®…i…
A[nImcn sU]yq´n P\d¬ amt\P¿  EÚ™…… Ω˲* 19. PUBLIC RELATIONS AND
(Hm∏tdj≥kv) BWv. PUBLICITY
19. V…x…∫…∆{…E«Ú B¥…∆ |…S……Æ˙
19. s]mXp-P-\-k-º¿°hpw {]Nm-c- The Bank has been very active in all areas
W-{]-h¿Ø-\hpw §…ÈEÚ +{…x…“ EÚ®{…x…“ UÙ ¥… B¥…∆ o˘Œπ]ı M……‰S…Æ˙i…… ®… +…M…‰ of public relations and publicity with the
_m¶ns‚ tIm¿∏-td‰v {]Xn-—mb IqSp-X¬ ∫…÷v……Æ˙ EÚÆ˙x…‰ E‰Ú =q‰˘∂™… ∫…‰ V…x…∫…®{…E«Ú B¥…∆ |…S……Æ˙ E‰Ú aim of further improving its corporate
sa®-s∏-SpØn P\-{i-≤b - m-I¿jn-°p-∂X - n\v ∫…¶…“ I…‰j…… ®… §…Ω÷˛i… ∫… GÚ™… Æ˙Ω˛… Ω˲* EÚ®{…x…“ B¥…∆ image and visibility. Corporate and product
s]mXp-P\ - k
- º
- ¿° ]cn-]m-Sn-If - p-sSbpw ]c-
ky-{]-Nm-c-W-ß-fp-sSbpw F√m taJ-e-I- =i{……n˘  ¥…Y……{…x…… EÚ…  |…x]ı B¥…∆ <±…ËC]≈ı… x…EÚ ®…“ c˜˜™…… advertisements were regularly released
fnepw _m¶v hfsc kPo- h - a m- b n- c p- ∂ p. {…Æ˙  x…™… ®…i… |…S……Æ˙ Ω÷˛+…* ®…“ c˜™……  ¥…Y……{…x…… EÚ“ over the print and electronic media. While
tIm¿∏-td‰v D¬∏-∂ß - sf kw_-‘n® ]c- planning the media advertisements, special
™……‰V…x…… §…x……i…‰ ∫…®…™… n‰˘∂…“™… +…ËÆ˙ +xi…nÊ˘∂…“™… ®…Ω˛i¥…¥……±…‰
ky-߃ A®-Sn-˛C - e- I - vt{Sm-WnIv am[y-aß - -
 n˘x…… E‰Ú ∫……l… i……±… ®…‰±… Ω˛…x‰ …‰¥……±…‰ x…B |……‰b˜‰C]ı ∂…÷Ø˚ thrust was given for launching new products
fn¬ ]Xn-hmbn {]kn-≤s - ∏-Sp-Øn. am[ya ]c-
ky-߃ Bkq-{XWw sNøp-tºmƒ tZiob EÚÆ˙x…‰ {…Æ˙  ¥…∂…‰π… §…±…  n˘™…… M…™……* <x]ıÆ˙x…‰]ı §…ÈÀEÚM…, synchronizing with Days of National and
{]m[m-\yhpw A¥¿t±-iob {]m[m-\y-hp- International importance. Special thrust was
ap≈ Zn\-ß-fp-ambn Ahsb _‘-s∏-Sp-
V…®…… ™……‰V…x……Bƒ, B∫… B®… <« @Òh…, ®… Ω˛±…… ∫…∂… HÚEÚÆ˙h…
also given to Internet Banking, Deposit
Øm≥ {]tXyIw {i≤n-®p. C‚¿s\‰v _m¶nw- EÚ“ ™……‰V…x……Bƒ +…ËÆ˙ §…“®…… ™……‰V…x……+…Â E‰Ú  ±…B ¶…“
Products, SME Loans, Products for Women
Kv, sUt∏m-kn‰v Dev]∂ - ß - ƒ, SME hmbv]-  ¥…∂…‰π… §…±…  n˘™…… l……*
Iƒ, kv{Xoim-‡o-Ic - W - Ø - n-\pff Dev]∂ - - Empowerment and Insurance products.
߃, C≥jp-d≥kv Dev]-∂-߃ F∂n- §…ÈEÚ {…™…«]ıx… ∫…{i……Ω˛ ∫…®……Æ˙…Ω‰ ˛ 2008 i…l…… EÚ…‰^ı™…®… ®… The Bank was one of the main co-sponsors
hbv°pw {]tXyI {]m[m\yw \¬In. B®… V…“ ™…⁄ x…¥…Ã∫…]ı“ x…‰∂…x…±… +l…±…‰ ]ıEÚ ®…“]ı EÚ… ®…÷J™… for the Tourism Week Celebrations in
2008-˛se hnt\m-Zk
- ©- mc hmcm-tLm-jß - f - p- ∫…Ω˛ |……™……‰V…EÚ ®… ∫…‰ BEÚ l……* V…Ë∫……  EÚ  {…UÙ±…‰ ∫……±…… 2008, and M G University National Athletic
sSbpw tIm´-bØp \S∂ Fw.-Pn. k¿h-I-
em-ime \mj-W¬ AXve‰- nIv ao‰n-s‚bpw E‰Ú n˘…ÆË ˙…x…  EÚB M…B +x…÷∫……Æ˙ §…ÈEÚ x…‰  Ω˛xn˘÷ ™…∆M… ¥…±b«˜ Meet at Kottayam. As was being done
apJy {]mtbmPIcn¬ _m¶pw Dƒs∏-´n-cp- |…∂x……‰k…Æ˙“, x…‰Ω˛Ø˚ ]≈ı…°Ú“ §……‰]ı Ɖ˙∫… +… n˘ |……™……‰ V…i…  EÚ™……* during the previous years, the Bank
37

∂p. ap≥ h¿j-ß-fn-se-∂-t]m-se, lnµp §…ÈEÚ x…‰ ∫…⁄S…x…… |……Ët…‰ M…EÚ“  ¥…¶……M…, E‰ÚÆ˙±… ∫…Æ˙EÚ…Æ˙ extended sponsorship to the Hindu Young
bMv thƒUv Iznkv, s\{lp t{Sm^n h≈w- u˘…Æ˙…  i…Ø˚¥…x…xi…{…÷Æ˙®… ®… +…™……‰ V…i… {… Æ˙EÚ±…x… ®… ∫¥…i…∆j…i…… World Quiz, Nehru Trophy Boat Race etc.
I-fn, apX-em-bh - b - p-sSbpw kvt]m¨k¿jn- The Bank had also associated itself with
{…Æ˙  u˘i…“™… +xi…Æ˙…π« ]≈ı“™… ∫…®®…‰±…x… +…ËÆ˙ +…±…{{…÷π…… ®…Â
∏n¬ `mK-`m-°m-bn. tIcf Kh¨sa‚ns‚ the Second International Conference on
IT hIp∏v Xncp-h\ - ¥
- ]- p-cØp kwL-Sn-∏n® =t…x… EfiÚ π… |…n˘∂…«x…“ ®… ∫…Ω˛™……‰M…  n˘™…… l……* Freedom in Computing, organized by IT
Iºyq- ´ nwKv kzmX- { ¥ysØ kw_- ‘ n® Department, Govt. of Kerala, at
<∫… ¥…π…« E‰Ú n˘…ÆË ˙…x… ¶…“ Ω˛…Õ‰ b˜M… {…Æ˙  ¥…Y……{…x… V……Æ˙“ Æ˙Ω˛‰*
c≠mw A¥¿t±iob ktΩ- f - \ - Ø nepw, Thiruvananthapuram, and Horticultural
Be-∏p-gb - n¬ h®p-\S- ∂ tlm¿´n-°ƒ®-d¬ §…ÈEÚ x…‰  i…Ø˚¥…x…xi…{…÷Æ˙®… Ω˛¥……<« +c˜b˜‰ +…ËÆ˙  i…Ø˚¥…x…xi…{…÷Æ˙®…
Exhibition at Alappuzha.
FIvkn-_n-j\ - nepw _m¶v ]s¶SpØncp∂p. ∫…‰∆]≈ı±… Ɖ˙±…¥…‰ ∫]‰ı∂…x… E‰Ú |…®…÷J… ∫l……x…… {…Æ˙ §…‰EÚ ±…]ı
The advertisements on hoardings continued
tlm¿UnwKp-Iƒ aptJ-\b - p≈ ]c-ky-߃ ∫……<x…§……‰b˜« Æ˙J…EÚÆ˙ o˘Œπ]ıM……‰S…Æ˙i…… EÚ…‰ §…g¯…™……* during this year also. The Bank increased
Cs°m-√hpw XpS¿∂p. Xncp-h-\-¥p-]cw
the visibility at vantage points like
hnam- \ - Ø m- h - f - Ø nepw Xncp- h - \ - ¥ - ] pcw 20.  Ω˛xn˘“ EÚ… |…M……®…“ |…™……‰M…
sk≥{S-¬ sdbn¬sh tÃj\nepw {][m\ Thiruvananthapuram Airport and
ÿm\- ß - f n¬ ssk≥ t_m¿Up- I ƒ §…ÈEÚ x…‰ Æ˙…V…¶……π…… + v… x…™…®…,  x…™…®…… ∫…‰ ∫…®§…Œxv…i… Thiruvananthapuram Central Railway Station
ÿm]n®v _m¶v P\-{i-≤b - m-I¿jn-®p. |……¥…v……x……Â +…ËÆ˙ ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ i…l…… ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ by putting up backlit signboards.
20. lnµn-bpsS h¿≤n® D]-tbmKw E‰Ú +x…÷n˘‰ ∂…… ¥…  x…n‰˘∂…… EÚ… +x…÷{……±…x…  EÚ™……* ¥…π…« E‰Ú 20. PROGRESSIVE USE OF HINDI
HutZym-Kn-I`- mjm \nb-aw, N´-߃ F∂n-h- n˘…ÆË ˙…x…, ∫E⁄Ú±…-EÚ…±…‰V… ∫i…Æ˙ E‰Ú  ¥…t…Ãl…™…… Ω‰˛i…÷  Ω˛xn˘“ ®… The Bank complied with the provisions
bp-ambn _‘-s∏´ \n_-‘\ - I
- fpw C¥ym-  ¥… ¥…v… |… i…™……‰ M…i……Bƒ +…™……‰ V…i… EÚ“ M…<«*  Ω˛xn˘“ {…J…¥……c˜… relating to the Official Languages Act, rules,
K-h¨sa‚n-s‚bpw dnk¿hv _m¶n-s‚bpw instructions and directions of Reserve Bank
M…i… ¥…π…« EÚ“ i…Æ˙Ω˛ Ω˛“ ®…x……™…… M…™……* §…ÈEÚ EÚ“  Ω˛xn˘“
\n¿tZ-i-ßfpw _m¶v \S-∏n-em-°n. \S-∏p- of India and Govt. of India. During the year
h¿jw kv I qƒ tImtfPv hnZym¿∞n- {… j…EÚ… ""∫¥…… i…'' ¶…“ |…EÚ… ∂…i… EÚ“ M…<«*  Ω˛xn˘“ various competitions were held for School-
Iƒ°mbn hnhn[ lnµn a’-cß - ƒ kwL- EÚ…™…«∂……±……Bƒ B¥…∆ |…™……‰V…x…®…⁄±…EÚ  Ω˛xn˘“ EÚ…™…«GÚ®… ∫]ı…°Ú College level students in Hindi. Hindi
Sn-∏n-°p-I-bpw, ap≥ h¿j-ß-fn-se-t∏mse Fortnight was also celebrated as in the past.
lnµn ]£m-N-cWw BtLm-jn-°p-Ibpw ∫…n˘∫™…… E‰Ú ±……¶……l…« +…™……‰ V…i…  EÚB M…B* ∫]‰ı]ı §…ÈEÚ
‘Swathi’, the Bank’s Annual Hindi Magazine
sNbvXp. _m¶ns‚ lnµn amknI ""kzmXn'' +…Ï¢Ú j……¥…h…EÚ…‰Æ˙ x…‰ E‰ÚÆ˙±… E‰Ú  Ω˛xn˘“ |…S……Æ˙EÚ…Â B¥…∆
was also published. Hindi Workshops and
{]kn-≤-s∏-Sp-Øn. Poh-\-°m¿°p-th≠n ±…‰J…EÚ…Â E‰Ú  ±…B {…“.V…“. ¥……∫…÷n˘‰ ¥… {…÷Æ˙∫EÚ…Æ˙ |……™……‰ V…i… Functional Hindi Programmes were
lnµn inev]ime-Ifpw {]mtbm-KnI lnµn
 EÚ™……* ¥…π…« E‰Ú n˘…ËÆ˙…x… B∫… §…“ ]ı“  Ω˛xn˘“ ∫…… Ω˛i™… conducted for the benefit of staff members.
]cn-]m-Sn-Ifpw kwL-Sn-∏n-®p. ""]n.-Pn. hmkp-
tZhv ]pc- k v I m¿'' _m¶v kv t ]m¨k¿ +¥……b«˜ |…n˘…x…  EÚB M…B* The Bank has sponsored P G Vasudev
sNøpIbpw Fkv.-_n.-Sn. lnµn kmlnXy Puraskar and distributed SBT Hindi Sahitya
§…ÈEÚ x…‰ Æ˙…V™… ∫i…Æ˙“™…  Ω˛xn˘“ |… i…™……‰ M…i……+… ®… ∂…“±b˜ awards for the year.
Ahm¿Up- I ƒ \S- ∏ p- h ¿jw hnX- c Ww
sNøpIbpw sNbvXp. V…“i…“ +…ËÆ˙ Æ˙…V™… ∫i…Æ˙“™… Æ˙…V…¶……π…… |…n˘∂…«x…“ ®… ¶…“ The Bank has secured the shield for State
kwÿm-\X - e HutZym-Kn-I`- mjm {]Z¿i-\- ∂…“±b˜ V…“i…“* §…ÈEÚ x…‰ x…M…Æ˙ EÚ“ Æ˙…V…¶……π…… EÚ…™……«x¥…™…x… Level Official Language Exhibition. The Bank
Øn-\p≈ jo¬Upw _m¶n\p e`n-®p. TOLIC, ∫… ®… i…  i…Ø˚¥…x…xi…{…÷Æ˙®… u˘…Æ˙… n˘“ V……x…‰ ¥……±…“ x…M…Æ˙ won the Town Official Languages Local
Xncp-h\- ¥
- ]- pcw G¿s∏-Sp-Ønb TOLIC cmP- Implementation Committee (TOLIC)
`mjm jo¬Upw _m¶n-\mWp e`n-®X - v.
Æ˙…V…¶……π…… EÚ…™……«x¥…™…x… ∫… ®… i… EÚ“ Æ˙…V…¶……π…… ∂…“±b˜ Rajabhasha Shield instituted by TOLIC,
21. ae-bmf ktΩ-f\w ¶…“ V…“i…“* Thiruvananthapuram.
_m¶ns‚ B`n-ap-Jy-Øn¬ 13-˛m- a- Xp ae-bmf 21. ®…±…™……±…®… ∫…®®…‰±…x… 21. MALAYALA SAMMELANAM
th
kmln-Xy-k-tΩ-f\w \S-Øn. G‰hpw \√ 13¥……ƒ B∫… §…“ ]ı“ ®…±…™……±…®… ∫…®®…‰±…x… §…ÈEÚ E‰Ú i…i¥……v……x… The 13 SBT Malayala Sammelanam was
ae-bmf Ihn-Xbv°pw sNdp-IY - b- v°p-ap≈ conducted under the auspices of the Bank
ae-bmf kmln-Xy-A-hm¿Up-Ifpw am\p- ®…Â +…™……‰ V…i…  EÚ™…… M…™…… B¥…∆ ®…±…™……±…®… EÚ ¥…i……, ±…P…÷
and Malayalam Sahitya Awards for the best
jnI ]cn-K-W-\-bp≈ dnt∏m¿´nw-Kn-\p≈ EÚΩ˛…x…“, B¥…∆ ®……x…¥… EÚΩ˛… x…™…… E‰Ú  ±…B ®…“ c˜™…… +¥……b«˜ works in Malayalam Poetry, Short Story,
am[ya Ahm¿Upw, Iemeb Ihn- X , EÂÚ{…∫… EÚ ¥…i…… +…ËÆ˙ EÂÚ{…∫… ±…P…÷ EÚΩ˛…x…“ +¥……b«˜ Media Award for Human Interest stories;
Iemeb IY Ahm¿Up-Ifpw Xncp-h\ - ¥
- - Campus Poetry and Campus Short Story
 i…Ø˚¥…x…xi…{…÷Æ˙®… ®… +…™……‰ V…i… ∫…®……Æ˙…‰Ω˛ ®…  ¥…i… Æ˙i…
]p-cØp h®p-\S- ∂ h¿Æ-∏I- n-´m¿∂ Hcp NS-
 EÚB M…B* |…J™……i… +…±……‰S…EÚ, ±…‰J…EÚ +…ËÆ˙ ∫…®……±……‰S…EÚ Awards were distributed in a glittering
ßn¬ h®p hnX-cWw sNbvXp. {]ikvX
function at Thiruvananthapuram. Dr.
\ncq-]-I\pw Nn¥-I\pw Fgp-Øp-Im-c-\p- b˜….Ï ∫…÷EÚ÷ ®……Æ˙ + π…CEÚ…‰c˜ EÚ…‰ B∫… §…“ ]ı“ EÚ“ "∫…÷¥…h…« Sukumar Azhikode, the noted critic, writer
amb tUm. kpIp-am-¿ Ago-t°m-Sn\v Fkv.- ®…÷p˘…' {…÷Æ˙∫EÚ…Æ ∫…‰ ∫…®®…… x…i…  EÚ™…… M…™……* and thinker, was honoured with SBT
_n.-Sn. kph¿Æ-ap{Z ]pc-kvImcw \¬In
‘Suvarna Mudra’ Puraskaram.
BZ-cn-®p. 22. ∂……J…… x…‰]ı¥…E«Ú
22. imJm-irw-Je 22. BRANCH NETWORK
§…ÈEÚ EÚ“ 726 ∂……J……Bƒ, 21  ¥…∫i……Æ˙ EÚ…=∆]ıÆ˙, 10 The Bank has a network of 726 branches
_m¶n\v 10 k¿hokv imJ-Iƒ, 1 A¥¿t±-
iob k¿hokv imJ, 5 ItΩ- g v k y¬ ∫…‰¥…… ∂……J……+… ∫… Ω˛i…, 1 +xi…Æ˙…π« ]≈ı“™… ∫…‰¥…… ∂……J……, 5 and 21 extension counters, including 10
s\‰vh¿°v imJ-Iƒ, 5 kvs]jy-ssekvUv ¥…… h…ŒV™…EÚ x…‰]ı¥…E«Ú ∂……J……Bƒ, 5  ¥…∂…‰π…“EfiÚi… B∫… B®… service branches, one international service
38

SME imJ- I ƒ, 10 kv s ]jy- s sekv U v <« ∂……J……Bƒ, 10  ¥…∂…‰π…“EfiÚi… {…“ ∫…‰M®…Â]ı ∂……J……Bƒ +…ËÆ˙ branch, 5 commercial network branches, 5
P skKvsa‚ v imJ-Iƒ, 10 kvs]jy-ssekvUv specialised SME branches, 10 specialized
10  ¥…∂…‰π…“EfiÚi… EfiÚ π… ∂……J……+… EÚ… x…‰]ı¥…E«Ú Ω˲* ¥…π…«
Im¿jn-Ii
- m-JI
- ƒ F∂n-hb
- pƒs∏sS 726 imJ- Personal segment branches and 10
Ifpw 21 FIvÃ≥j≥ Iu≠-dp-Ifpw D≠v. E‰Ú n˘…ÆË ˙…x… 16 ∂……J……B∆ J……‰±…“ M…™…“* specialised agricultural branches. 16
Cs°m√w 16 imJ-Iƒ Xpd-∂p. branches have been opened during this year.
23. kmaqly tkh\ _m¶nwKv 23. ∫……®…÷n˘… ™…EÚ ∫…‰¥…… §…ÈÀEÚM…
23. COMMUNITY SERVICES
tIc-fØ- nse {]apJ _m¶v F∂-Xn-ep-]c - n, E‰ÚÆ˙±… EÚ… |…®…÷J… §…ÈEÚ Ω˛…x‰ …‰ E‰Ú + i… Æ˙HÚ, ∫]‰ı]ı §…ÈEÚ BANKING
P\-ßt- fmSp IS-s∏-´n-cn-°p-∂, kmaq-ly-amb
{]Xn- ⁄ m- _ - ≤ - X - b p≈ Hcp [\- I mcy +…Ï¢Ú j……¥…h…EÚ…‰Æ˙ BEÚ ∫……®…… V…EÚ |… i…∫…∆¥…‰n˘“ ∫…∆∫l……x… Ω˲ State Bank of Travancore is a socially
ÿm]-\a - mWv tÉv _m¶v Hm^v {Smh≥Iq¿. responsive institution, which owes its roots
V……‰ +{…x…‰ +Œ∫i…i¥… E‰Ú  ±…B V…x…i…… E‰Ú |… i… +…¶……Æ˙“
to the people, apart from being the premier
imJ-If - nepw AUvan-\n-kvt{S-‰ohv Hm^o-kp-
Ω˲* ∫……®…… V…EÚ ∫…E«Ú±… V……‰ ∂……J……+… +…ËÆ˙ |…∂……∫… x…EÚ bank in Kerala.
I-fnepw ]Wn-sb-Sp-°p∂ \ΩpsS Poh-\-
°m¿ kmaq-ly-tk-h\ - {- ]-h¿Ø-\ß - ƒ Gs‰- EÚ…™……«±…™…… ®… EÚ…™…«Æ˙i… ∫]ı…°Ú ∫…n˘∫™…… u˘…Æ˙… ∫……®…… V…EÚ Social circles are voluntary organizations
SpØp \S-Øp-∂-Xn-\p-th≠n cq]o-I-cn® formed by our staff members working in
∫…‰¥……Bƒ |…n˘…x… EÚÆ˙x…‰ E‰Ú  ±…B ∫l…… {…i… ∫¥…™…∆∫…‰¥…“ ∫…∆M…`ˆx…
k∂- ≤ - k w- L - S - \ - I - f mWp tkmjy¬ branches and administrative offices for
k¿°n-fp-Iƒ. kz¥w {]h¿Ø-\-ta-J-e-I- ΩÈ˛, u˘…Æ˙…  ¥… ¶…z… ∫……®…… V…EÚ ∫…‰¥…… EÚ“ V……i…“ Ω˲∆* ¥…‰ undertaking social services. They address
fnse Bh-iy-߃ \nd-th-‰p-∂-Xn-t\m-sSm- themselves to the requirements of their area
{… Æ˙S……±…x… E‰Ú +{…x…‰ I…‰j… EÚ“ +{…‰I……+…Â ®…Â ∫¥…™…∆ n˘I…
∏w, _m¶nwKv k¿ho-kn\p ]pd-ta-bp≈ of operation and extend assistance, which
klm-bß - ƒ \¬Im\pw Ah¿ Xøm-dm-Ip- Ω˛…i‰ …‰ ΩÈ˛ i…l…… §…ÈÀEÚM… ∫…‰¥……+… E‰Ú n˘…™…Ɖ˙ E‰Ú ®……M…«  x…nÊ˘∂…x… are outside the purview of banking services.
∂p. Ãm^v AwK-߃ amXr-ÿm-]\ - Ø
- ns‚
®… ∫…®……V… EÚ“ +{…‰I……+… EÚ… ∫]ı…°Ú ∫…n˘∫™…… B¥…∆ ∫¥…i…∆j… Voluntary participation by the staff members
am¿§- \ n¿t±- i - a - \ p- k - c n®v kaq- l - Ø ns‚
 x…v……«Æ˙h… u˘…Æ˙… B‰ŒSUÙEÚ |… i…¶…… M…i…… ∫……®…… V…EÚ ∫…E«Ú±… and independent assessment of the
Bh-iy-߃ kzX-{¥-ambn hne-bn-cp-Øp-
Ibpw kzta-[bm tkh-\-{]-h¿Ø-\-߃ requirements of the society under the
E‰Ú EÚ…™…« ®… + u˘i…“™… v……Æ˙h…… Æ˙J…i…“ Ω˲* ∫…∆{…⁄h…« ¶……Æ˙i… guidance of the parent institution are unique
\S- Ø p- I bpw sNøp- I - s b- ∂ - X mWv
tkmjy¬ k¿°n- f p- I - f psS {]h¿Ø- \ - ®…Â §…ÈEÚ EÚ“  ¥… ¶…z… ∂……J……+…Â +…ËÆ˙ |…∂……∫… x…EÚ EÚ…™……«±…™……Â concepts in the functioning of the social
Øns‚ khn-ti-jX - . CØ-cØ - n-ep≈ 550 circles. We are having 550 social circles (as
®… 550 B‰∫…‰ ∫……‰∂…±… ∫…E«Ú±… ( n˘∫…∆§…Æ˙ 2008 E‰Ú on December 2008) functioning at various
tkmjy¬ k¿°n-fp-Iƒ (2008 Unkw-_-
dn¬) C¥y-sbm-´m-sI-bp≈ imJ-I-fnepw +x…÷∫……Æ˙) EÚ…™…« EÚÆ˙ Æ˙Ω˛‰ ΩÈ˛* ∫……‰∂…±… ∫…E«Ú±… M… i… ¥… v…™…… branches and administrative offices, spread
AUvan-\n-kvt{S-‰ohv Hm^o-kp-I-fn-ep-ambn
®… ∫¥……∫l™… ∫…∆§…∆v…“ EÚ…™…«GÚ®… UÙ…j……Â, M…Æ˙“§… M…fiΩ˛…Â, ¥…fir˘…∏…®… all over India. The activities of the social
{]h¿Øn-°p-∂p-≠v. Btcm-Ky-kw-c£W circles include health-oriented programmes,
{]h¿Ø- \ - ß ƒ, hnZym¿∞n- I ƒ°p≈ +…ËÆ˙ +x……l……±…™……Â EÚ…‰ ∫…Ω˛…™…i……,  ¥…EÚ±……∆M… ¥™… HÚ™……Â assistance to students, poor homes, old age
klm-bß - ƒ, ]qh¿tlm-ap-Iƒ, hr≤-kZ- \ - - homes and orphanages, welfare measures
EÚ…‰ EÚ±™……h… ={……™…, n‰˘∂…“™…/+xi…nÊ˘∂…“™…  n˘x…… EÚ…‰ ®…x……x……
߃, A\m-Ym-e-b-߃, AwK-ssh-Ieyw for disabled people, observance of national/
kw`-hn-®-h¿°p≈ t£a-{]-h¿Ø-\-߃, +… n˘ ∂…… ®…±… Ω˲*
international days.
tZio-bhpw A¥¿t±-io-b-hp-amb Zn\m-Nm-
c-W-߃ F∂nh tkmjy¬ k¿°n-fp-I- <x… EÚ…™…«GÚ®…… E‰Ú +±……¥……, Ω˛®…x…‰ Ω˛…<«∫E⁄Ú±… +…ËÆ˙ Eڅϱ…‰V… Apart from these programmes, we also
fpsS {]h¿Ø-\ß - f - n¬ Dƒs∏-Spw. UÙ…j……Â E‰Ú  ±…B <h]‰ı±… ]ı“x∫… ŒC¥…W… |… i…™……‰ M…i…… x……®… conduct all Kerala Quiz Competition for
Cu ]cn-]m-Sn-Iƒ°p ]pd-ta, sslkv°qƒ- High School and College Students – Intel
+ J…±… E‰ÚÆ˙±… |…∂x……‰k…Æ˙“ ( V…∫…EÚ… n⁄˘Æ˙n˘∂…«x… E‰Úxp˘, Teens Quiz Competition (which is telecast
˛-tIm-tfPv hnZym¿∞n-Iƒ°mbn ""C‚¬
‰o≥kv Iznkv tImº-‰n-j≥'' (CXv Xncp-h\ - -  i…Ø˚¥…x…xi…{…÷Æ˙®…˙ u˘…Æ˙… |…∫……Æ˙h…  EÚ™…… Ω˲)*  EÚ∂……‰Æ˙… E‰Ú by Doordarshan Kendra,
¥-]pcw Zqc-Z¿i≥ tIµw kwt{]-jWw Thiruvananthapuram), Personality
 ±…B ¥™… HÚ  ¥…EÚ…∫… EÚ…™…«GÚ®… +… n˘ EÚ… +…™……‰V…x…
sNbvXn-cp-∂p), Iuamc {]mb-°m¿°p≈ Development Programme for adolescents
hy‡n-Xz-hn-Ik - \ ]cn-]m-Sn-bmb ""In≥Un¬  EÚ™……* ¥…π…« E‰Ú n˘…ÆË ˙…x… M…Æ˙“§…… E‰Ú  Ω˛i… E‰Ú  ±…B ∫……‰∂…±… – Kindle Teens Programme. During the year
‰o≥kv t{]m{Kmw'', F∂nh _m¶v kwL-Sn- ∫…E«Ú±… u˘…Æ˙… 150 ∫…‰ + v…EÚ EÚ…™…«GÚ®… +…™……‰ V…i… more than 150 programmes were
∏n-®p. \S-∏p-h¿jw tkmjy¬ k¿°n-fp- conducted through social circles for the
Iƒ aptJ\ ]mh-s∏´h¿°p-th≠n 150-˛¬  EÚB M…B l…‰* benefit of the poor.
]cw ]cn-]m-Sn-Iƒ \S-Øp-Ib - p-≠m-bn.
24. Imbn-I-cwKw 24. J…‰±… E⁄Ún˘ B¥…∆ GÚ“c˜…Bƒ 24. SPORTS AND GAMES
Our Football and Cricket teams won many
\ΩpsS ^pSvt_mƒ, {In°‰v Soap-Iƒ Ah¿ Ω˛®……Ɖ˙  GÚE‰Ú]ı +…ËÆ˙ °÷Ú]ı§……ϱ… ]ı“®… x…‰ +x…‰EÚ ®…ËS… /
]s¶-SpØ ]e a’-c-ß-fnepw hnP-bn®v matches/tournaments and brought laurels
_m¶n\p t]cpw s]cp-abpw t\Sn-Ø-∂p. ]⁄ıx……«®…‰x]ı V…“i…‰ +…ËÆ˙ §…ÈEÚ ®… V…™…{…j… ±……™…‰ i…l…… n‰˘∂… ¶…Æ˙ and glory to the Bank and generated wide
CXn\m¬ cmPy-sam-´p-°p-ap≈ am[y-aß
- f- n¬ ®… §…ÈEÚ EÚ… x……®… ®…∂…Ω⁄˛Æ˙ EÚÆ˙x…‰ E‰Ú  ±…B ®…“ c˜™…… EÚ¥…Ɖ˙V… range media coverage for the Bank’s name
_m¶ns‚ t]cv ]cs° {]Xy-£s - ∏-´p. Cu throughout the country. The Bank’s Football
Ime-b-f-hn¬ _m¶ns‚ ^pSvt_mƒ Sow  ®…±…x…‰ EÚ… EÚ…Æ˙h… Ω˛…‰ M…™……* ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈEÚ EÚ“ team participated in various All India and
At\Iw AJn-te-¥ym, AJn-et- I-cf a’- °÷Ú]ı§……ϱ… ]ı“®… x…‰  ¥… ¶…z… + J…±… ¶……Æ˙i…“™… +…ËÆ˙ + J…±… All Kerala tournaments/matches during the
39

c-ßf- n¬ ]s¶-Sp-Øp. Cs°m√w ]s¶-SpØ E‰ÚÆ˙±… ]⁄ıx……«®…‰x]ı / ®…ËS… ®…Â ¶……M…  ±…™……* ¥…π…« E‰Ú n˘…ÆË ˙…x… period. Out of the 22 matches/tournaments
22 a’-cß- f - n¬ \ΩpsS Sow 18 FÆ-Øn¬ ¶……M…  ±…B 22 ®…ËS……Â / ]⁄ıx……«®…‰x]ı…Â ®…Â ∫…‰ ]ı“®… x…‰ 18 participated during the year, the team won
hnP-bn-®p. 2 FÆ-Øn¬ ka-\ne t\Sn, 2 18, drew 2 and lost 2.
FÆ-Øn¬ ]cm-Pb - s
- ∏-´p.
V…“i…‰, 2 §…Æ˙…§…Æ˙˜ Ω˛…‰ M…™…‰, n˘…‰ ®…Â Ω˛…Æ˙ Ω˛…‰ M…™…“*
Bank’s Cricket ‘A” team has participated in
_m¶ns‚ {In°‰v "A' Sow At\Iw AJn- §…ÈEÚ E‰Ú  GÚE‰Ú]ı "B' ]ı“®… x…‰  ¥… ¶…z… + J…±… ¶……Æ˙i…“™… various All India / All Kerala tournaments/
te¥ym/AJn-e-tI-cf a’-c-ß-fn¬ ]s¶- / + J…±… E‰ÚÆ˙±…… ]⁄ıx……«®…‰x]ı…Â / ®…ËS……Â ®…Â ¶……M…  ±…™……* matches. Out of the 24 matches played,
Sp-Øp. ]s¶SpØ 24 a’-cß - f
- n¬ 16-˛epw our team has won 16 matches. During the
J…‰±…‰ M…B 24 ®…ËS…… ®… ∫…‰ Ω˛®……Æ˙“ ]ı“®… x…‰ 16 ®…ËS… V…“i…‰
\ΩpsS Sow hnP-bn-®p. G{]n¬ 8˛epw am¿®v year the Bank has won the All Kerala
9˛epw \S∂ Bƒ tIcf sImd-am-≠¬ * ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈEÚ x…‰ +|…˱… 08, B¥…∆˙ ®……S…« 09 E‰Ú Coromandal Cement Trophy held during
kna‚ v t{Sm^nbpw _m¶n\p e`n®p. n˘…ÆË ˙…x… +…™……‰ V…i… + J…±… E‰ÚÆ˙±… EÚ…‰Æ˙…®‰ …hc˜±… ∫…“®…‰x]ı April 08 and March 09 in Cricket.
25. UbdIvS¿ t_m¿Unep≠mb ]≈ı…°Ú“ V…“i……* 25. CHANGES IN THE BOARD OF
am‰ßƒ
DIRECTORS
2008-˛09 kmº-Øn-Ih
- ¿j-Øn¬ Ub-dI
- vS¿ 25.  x…n‰˘∂…EÚ §……‰b˜« ®… {… Æ˙¥…i…«x…
During the course of the financial year 2008-
t_m¿Un¬ 2 am‰-߃ D≠m-bn.
 ¥…k…“™… ¥…π…« 2008-09 EÚ“ +¥… v… E‰Ú n˘…ÆË ˙…x… Ω˛®……Ɖ˙ 09, there were two changes in our Board
1. {ioaXn `mcXndmhp 1959-˛se tÉv _m¶v of Directors.
Hm^v C¥y (D- ] mw- K - _ m- ¶ p- I ƒ \nbaw  x…n‰˘∂…EÚ §……‰b˜« ®… n˘…‰ {… Æ˙¥…i…«x… Ω÷˛B*
1. Smt Bharati Rao, Director under Clause
hIp∏v 25 D]-hI- p∏v (1) JWvUnI (c) A\p- 1.¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, (c) of sub section (1) of Section 25 of State
k-cn®v 2008 HIvtSm_¿ 31˛\v Imemh[n
]q¿Ønbm°n hncan®XpImcWw B 1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…hb˜ (∫…“) Bank of India (Subsidiary Banks) Act, 1959
attained superannuation as on 31st of
Znhkw apX¬ UbdIv S ¿ t_m¿Unte E‰Ú +∆i…M…«i… ∏…“®…i…“ ¶……Æ˙i…“ Æ˙…¥…  x…n‰˘∂…EÚ 31 +Ci…⁄ı§…Æ˙ October 2008 and ceased to be a Director
AwKa√mXmbn.
2008 EÚ…‰ + v…¥…π…« |……{i… EÚÆ˙ ∫…‰¥……  x…¥…fik… Ω˛…‰ M…<« on our Board from that date.
2. {io {io[c≥, sU]yp´n P\d¬ amt\P¿
+…ËÆ˙ =∫… i……Æ˙“J… ∫…‰ Ω˛®……Ɖ˙ §……‰b˜ı« ®… x…Ω˛” Æ˙Ω˛“* 2. Shri R Sridharan, Deputy Managing
& {Kq∏v FIvknIyq´ohv, tÉv _m¶v Hm^v
Director & Group Executive (A&S), State
C¥ysb 1959-˛se tÉv _m¶v Hm^v C¥y 2. ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ (∫…®…x…÷π…∆M…“ §…ÈEÚ) + v… x…™…®…, Bank of India, was nominated to the Board
(D-]mw-K_
- m-¶p-Iƒ) \nbaw hIp∏v 25 D]-h-
1959 EÚ“ v……Æ˙… 25 EÚ“ ={…v……Æ˙… (1) E‰Ú J…hb˜ (∫…“) as Director under Clause (c) of sub section
Ip∏v (1) JWvUnI (c) A\pkcn®v 2008
\hw_¿ 29\v Ub-d-IvS¿ t_m¿Unte°v (1) of Section 25 of State Bank of India
E‰Ú +∆i…M…«i… ∏…“ +…Æ˙. ∏…“v…Æ˙x…, ={… |…§…xv…˘  x…n‰˘∂…EÚ
\ma\n¿t±iw sNbvXncp∂p. F∂m¬ tÉv (Subsidiary Banks) Act, 1959 with effect
_m¶v Hm^v C¥ybn¬ amt\PnwKv
+…ËÆ˙ O…÷{… EÚ…™…«{……±…EÚ (B Bhb˜ B∫…), ¶……Æ˙i…“™… ∫]‰ı]ı from 29th November 2008, but
UbdIvS¿ & {Kq∏v FIvknIyq´ohv Bbn §…ÈEÚ EÚ…‰ 29 x…¥…®§…Æ˙ 2008 ∫…‰  x…n‰˘∂…EÚ E‰Ú ∞¸{… ®… subsequently resigned from the Board upon
Dt±ymKIb‰w e`n®Xns\ XpS¿∂v cmPn his elevation as Managing Director & Group
§……‰b˜« ®… x…… ®…i…  EÚ™…… M…™…… ±…‰ EÚx… ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ Executive (A&S), State Bank of India, and
ka¿∏n®Xn\m¬ 2008 Unkw_¿ 26 apX¬
UbdIvS¿ t_m¿Unse AwKa√mXmbn. ®… |…§…xv…˘  x…n‰˘∂…EÚ +…ËÆ˙ O…÷{… EÚ…™…«{……±…EÚ (B Bhb˜ as such ceased to be a Director on our
Board with effect from 26th December
t_m¿Un¬ \n∂v hnc-an® AwK-ß-fpsS B∫…) ∫…‰ {…n˘…z‰ …i… Ω˛…x‰ …‰ {…Æ˙ §……‰b˜« ∫…‰ <∫i…“°Ú… EÚÆ˙  n˘™……
2008.
hne-tb-dnb kw`m-h-\-Iƒ°v Ub-d-IvS¿
+…ËÆ˙ <∫… ±…B 26  n˘∫…∆§…Æ˙, 2008 ∫…‰ Ω˛®……Ɖ˙ §……‰b˜« ®…Â
t_m¿Uv \µn tcJ-s∏-Sp-Øp∂p. The Board of Directors places on record
x…Ω˛” Æ˙Ω˛‰* its appreciation of the valuable contributions
26. Ãm‰yq-´dn HmUn‰v
made by the outgoing Directors.
dnk¿hv _m¶v Hm^v C¥ybpsS  x…n‰˘∂…EÚ §……‰b˜« , §……‰b˜« E‰Ú §… Ω˛M……«®…“ ∫…n˘∫™…… E‰Ú +®…⁄±™…
AwKoImctØmsS, tÉv _m¶v Hm^v C¥y ™……‰M…n˘…x… EÚ“ ∫…Æ˙…Ω˛x…… EÚÆ˙i…… Ω˲* 26. STATUTORY AUDIT
2008˛09˛se HmUn‰¿amcmbn sat gvkv t{]w M/s Prem Gupta & Company, New Delhi
Kp]vX & Iº\n, \yqU¬ln, sat gvkv 26. ∫……∆ ¥… v…EÚ ±…‰J…… {…Æ˙“I…… and M/s Sodani & Co., Indore, M/s
skmUm\n & Iº\n, C≥tUm¿, sat gvkv Ramanatham & Rao, Hyderabad, M/s Saha
®…‰∫…∫…« |…‰®… M…÷{i…… B¥…∆ E∆Ú{…x…“, x…<«  n˘±±…“ B¥…∆ ®…‰∫…∫…«
cma\mYw & dmhp, ssl{Zm_mZv, sat gvkv Ganguli & Associates, Kolkatta and M/s Jain
kmlm KmwKpen & Atkm ntb‰v k v , ∫……‰b˜…x…“ B¥…∆ E∆Ú{…x…“, <xn˘…ËÆ˙, ®…‰∫…∫…« Æ˙…®…x……l…®… B¥…∆ & Jain, Mumbai were appointed as
sIm¬°Ø, sat gv k v sPbn≥ & Æ˙…¥…, Ω˲n˘Æ˙…§……n˘, ®…‰∫…∫…« ∫……Ω˛ M……∆M…÷±…“ B¥…∆ B∫……‰ ∫…B]¬ı∫…, Statutory Auditors of the Bank for the year
sPbn≥, apwss_ F∂nhsc \nban®p.
EÚ…‰±…EÚ…i…… +…ËÆ˙ ®…‰∫…∫…« V…Ëx… B¥…∆ V…Ëx…, ®…÷§∆ …<« EÚ…‰ ¶……Æ˙i…“™… 2008-09 by State Bank of India, with the
hnes∏´ \n¿t±ißfpw ]n¥pWbpw approval of the Reserve Bank of India. The
klIcWhpw \¬IpIbpw IrXy  Æ˙V…¥…« §…ÈEÚ E‰Ú +x…÷®……‰n˘x… ∫…‰ ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ u˘…Æ˙… Board of Directors sincerely appreciates the
kabØv HmUn‰v Xo¿°pIbpw sNbvX ¥…π…« 2008-09 Ω‰˛i…÷ §…ÈEÚ E‰Ú ∫……∆ ¥… v…EÚ ±…‰J……-{…Æ˙“I…EÚ…Â valuable suggestions offered and the
40

Ãm‰yq´dn HmUnt‰gv k n\v UbdIv S ¿ E‰Ú ∞¸{… ®…  x…™…÷HÚ  EÚ™……*  x…n‰˘∂…EÚ §……‰b˜« ∫…Ω˛“ ∫…®…™… excellent support and cooperation
t_m¿Uv Bflm¿∞ambn \µn {…Æ˙ ±…‰J…… {…Æ˙“I…… {…⁄Æ˙… EÚÆ˙x…‰ Ω‰˛i…÷ ∫……∆ ¥… v…EÚ ±…‰J…… extended by the Statutory Auditors for the
tcJs∏SpØp∂p. completion of the audit well in time.
{…Æ˙“I…EÚ…Â u˘…Æ˙…  n˘B M…B §…Ω÷˛®…⁄±™… ∫…÷Z……¥……‰∆ i…l…… =iEfiÚπ`ˆı
27. IrX-⁄X
∫…Ω˛…™…i…… B¥…∆ ∫…Ω˛™……‰M… EÚ“ Ω˛…Ãn˘EÚ ∫…Æ˙…Ω˛x…… EÚÆ˙i…… Ω˲* 27. ACKNOWLEDGEMENTS
C¥ym-Kh - ¨sa‚ns‚ [\-Imcy a{¥m-eb - w, The Board of Directors gratefully
dnk¿hv _m¶v Hm^v C¥y F∂n- h ¿ 27. +…¶……Æ˙ acknowledges the valuable advice and
\¬Inb hne-s∏´ D]-tZ-iß - ƒ°pw ]n¥p- support extended by the Ministry of Finance,
 x…n‰˘∂…EÚ §……‰b«˜,  ¥…k… ®…∆j……±…™…, ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ B¥…∆
W-bv°pw, [\-Imcy ÿm]-\ß - fpw tÃm°v Government of India and Reserve Bank of
FIvkvtN-©p-Ifpw Id-kvt]m-≠‚p-amcpw ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ E‰Ú §…Ω÷˛®…⁄±™… ∫…±……Ω˛ B¥…∆ ∫…Ω˛™……‰M… India and the cooperation and support
\¬Inb klm-bk - l- I
- c
- W
- Ø - n\pw Ub-d- i…l……  ¥…k…“™… ∫…∆∫l……+…Â, ∫]ı…EÏ Ú BC∫…S…ÂV……Â B¥…∆ ∫…∆¥……n˘n˘…i……+…Â extended by the Financial Institutions, Stock
IvS¿ t_m¿Uv \µn tcJ-s∏-Sp-Øp-∂p. am\y- exchanges and Correspondents. The Board
u˘…Æ˙…  n˘B M…B ∫…Ω˛…™…i…… B¥…∆ ∫…Ω˛™……‰M… E‰Ú |… i… +{…x……
C-S]- m-Sp-Im-cp-sSbpw Hml-cn-bp-Sa- I
- f
- p-sSbpw also wishes to place on record its sincere
k∑-t\m-`m-h-sØbpw kl-I-c-W-sØbpw +…¶……Æ˙ |…EÚ]ı EÚÆ˙i…… Ω˲* §……‰b«˜, ∫…®®…… x…i… O……Ω˛EÚ…Â, appreciation of the excellent support,
R߃ hne- a - X n- ° p- ∂ p. Ahm¿Uv - ˛ - k q- ∂…‰™…Æ˙v…… Æ˙™…… ∫…‰ |……{i… ∫…Ω˛™……‰M…, ∫…n¬˘¶……¥…x…… i…l…… ∫…∆Æ˙I…h… goodwill and patronage received from the
∏¿ssh-knwKv Ãm^v Dƒs∏sS F√m Poh- E‰Ú  ±…B i…l…… ∫]ı…°Ú ∫…n˘∫™…-+¥……b«˜ B¥…∆ {…™…«¥…‰I…“ EÚ“ esteemed customers and shareholders, the
\-°m-cp-sSbpw klm-b-k-l-I-c-W-߃°v support and cooperation extended and
∫…Ω˛…™…i……, ∫…Ω˛™……‰M… i…l…… ™……‰M…n˘…x… EÚ“ ¶…“ Ω˛…Ãn˘EÚ ∫…Æ˙…Ω˛x…… contributions made by the members of staff
t_m¿Uv Ir-X-⁄X tcJ-s∏-Sp-Øp-∂p.
Fwtπm-bokv bqWn-b\pw Hm^o--tkgvkv EÚÆ˙i…… Ω˲* §……‰b˜«, EÚ®…«S……Æ˙“ ∫…∆P… (Union) i…l…… + v…EÚ…Æ˙“ - award and supervising. The Board also
At m-kn-tb-j\pw \¬Inb klm-bk - l - - B∫……‰ ∫…B∂…x… (Association) E‰Ú ™……‰M…n˘…x… EÚ“ ¶…“ places on record its appreciation for the
I- c - W - ß ƒ°pw t_m¿Uv AI- a - g n™ contribution made by the Employees’ Union
∫…Æ˙…Ω˛x…… EÚÆ˙i…… Ω˲* and Officers’ Association.
IrX⁄X tcJ-s∏-Sp-Øp-∂p.
t_m¿Uns‚ DØ-chp {]Im-cw, §……‰b˜« E‰Ú +…n‰˘∂……x…÷∫……Æ˙ By Order of the Board

F -sI PK-∂m-Y≥ B E‰Ú V…M…z……l…x… A K JAGANNATHAN


amt\-PnwKv Ub-dI
- vS¿ |…§…xv…  x…n‰˘∂…EÚ Managing Director

‘In safer hands’……


Shri A K Jagannathan, Managing
Director and Shri M K Nanjunda,
General Manager (P&D), with
the “Adopted Girl Children” of
Cotton Hill GHSS,
Thiruvananthapuram, as a part of
its countr ywide girl child adoption
programme, on Children’s Day.
`cW\n¿∆lW kanXn N¿®bn¬...
|…§…∆v…x… ∫… ®… i… EÚ… §…Ë`ˆEÚ ®…Â  ¥…S……Æ˙- ¥…®…∂…«...
The Management Committee in session...
42

2009 am¿®v 31 se IW-°\


- p-kc
- n-®p≈ tÉv _m¶v Hm^v {Smh≥Iq¿
BkvXn _m[yXm]{Xw
31 ®……S…«, 2009 EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ i…÷±…x…-{…j… ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
BALANCE SHEET AS AT STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)
31st MARCH, 2009
1. aqe-[-\hpw _m[y-X-I-fpw ]´nI 31-am¿®v-2009 se 31-am¿®v-2008 se
1. {…⁄Vƒ …“ B¥…∆ n˘… ™…i¥… +x…÷∫…⁄S…“ IW-°-\p-k-cn®v IW-°-\p-k-cn®v
1. CAPITAL & LIABILITIES Schedule 31-®……S…«-2009 EÚ“ Œ∫l… i… 31-®……S…«-2008 EÚ“ Œ∫l… i…
As at 31-Mar-2009 As at 31-Mar-2008
1. aqe-[\w
{…⁄Vƒ …“ Capital 1 50 00 00 50 00 00
2. Icp-X¬ [-\hpw an®hpw
+…Æ˙ I… i…™……ƒ B¥…∆˙ + v…∂…‰π… Reserves & Surplus 2 2199 90 46 1668 11 03
3. \nt£-]-߃
V…®……Æ˙… ∂…™……ƒ Deposits 3 42041 91 66 35353 88 98
4. ISw hmß-ep-Iƒ
=v……Æ˙ Borrowings 4 807 76 31 2849 28 72
5. a‰p- _m-[y-X-Ifpw hI-bn-cp-Ø-ep-Ifpw
+x™… n‰˘™…i……Bƒ i…l…… |……¥…v……x…
Other Liabilities and Provisions 5 4360 92 75 3973 07 17
BsI V……‰c˜ Total 49460 51 18 43894 35 90

II. BkvXn-Iƒ
II. +…Œ∫i…™……ƒ
II. ASSETS

1. `mc-Xob dnk¿∆v _m¶nse scm°w ]Whpw \o°n-bn-cn∏pw


¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ ®… x…EÚn˘“ B¥…∆ + i…∂…‰π…
Cash and Balance with Reserve Bank of India 6 2328 72 52 3274 84 67
2. _m¶n-ep≈ \o°n-bn-cn∏pw Bh-iy-s∏-Sp-tºmgpw
{lkz-Im-e-kq-N-\-bnepw e`n-°p∂ ]Whpw
§…ÈEÚ…Â ®…Â + i…∂…‰π… B¥…∆ ®……∆M… i…l…… +±{…∫…⁄S…x…… {…Æ˙ |……{™… v…x…
Balances with Banks and Money at Call & Short Notice 7 125 93 34 412 64 57
3. apX¬apS-°p-Iƒ - ¥… x…v……x… Investments 8 13231 70 68 11352 95 48
4. hmbv]-Iƒ + O…®… Advances 9 32710 92 94 28136 62 15
5. ÿnc BkvXn-Iƒ ∫l……™…“ +…Œ∫i…™……ƒ Fixed Assets 10 171 58 34 166 21 19
6. a‰v BkvXn-Iƒ- +x™… +… ∫i…™……ƒ Other Assets 11 891 63 36 551 07 84

BsI V……‰c˜ Total 49460 51 18 43894 35 90


43

2009 am¿®v 31 se IW-°\


- p-kc
- n-®p≈ tÉv _m¶v Hm^v {Smh≥Iq¿
BkvXn _m[yXm]{Xw
31 ®……S…«, 2009 EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ i…÷±…x…-{…j… ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
BALANCE SHEET AS AT STATE BANK OF TRAVANCORE
31st MARCH, 2009 (cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)
]´nI 31-am¿®v-2009 se 31-am¿®v-2008 se
+x…÷∫…⁄S…“ IW-°-\p-k-cn®v IW-°-\p-k-cn®v
Schedule 31-®……S…«-2009 EÚ“ Œ∫l… i… 31-®……S…«-2008 EÚ“ Œ∫l… i…
As at 31-Mar-2009 As at 31-Mar-2008
BI-kvanI _m[y-X-Iƒ
+…EÚŒ∫®…EÚ n‰˘™…i……Bƒ Contingent Liabilities 12 14732 80 61 17365 25 27
hkq-em-°m-\p≈ _n√p-Iƒ
∫…∆O…Ω˛ E‰Ú  ±…B  §…±… Bills for Collection 1735 45 91 1553 10 03
{][m\s∏´ IWs°gpØv \b߃
=±±…‰J…x…“™… ±…‰J…… x…“ i…™……ƒ Significant Accounting Policies 17
IW-°p-I-fpsS hni-Zo-I-cW°pdn-∏p-Iƒ
±…‰J……Â {…Æ˙  ]ı{{… h…™……ƒ Notes to Accounts 18
kn≤m¿∞v _nkzm¬ Fkv F¬ lcnlc≥ F sI PK∂mY≥ H ]n `´v
sU]yq´n P\-d¬ amt\-P¿ P\-d¬ amt\-P¿ ({Sjdn) amt\-PnwKv Ub-d-IvS¿ sNb¿am≥
([-\-Im-cyhpw A°u≠pIfpw) B∫… B±… Ω˛ ÆΩ˛Æx… B E‰Ú V…M…z……l…x… +…‰ {…“ ¶…^ı
 ∫…r˘…l…«  §…∫¥……±… ®…Ω˛… |…§…∆v…EÚ (Æ˙…V…EÚ…‰π…) |…§…∆v…  x…n‰˘∂…EÚ +v™…I…
={… ®…Ω˛… |…§…∆v…EÚ ( ¥…k… B¥…∆ ±…‰J……) S L Hariharan A K Jagannathan O P Bhatt
Siddharth Biswal General Manager Managing Director Chairman
Deputy General Manager (Treasury)
(Finance and Accounts)
Ub-d-IvS¿am¿  x…n‰∂…EÚM…h… DIRECTORS
Pn_≥ tKmkzman sI kn _tµm]m≤ymbv Fkv F XnΩø sI XmWp ]n≈
V…“§…x… M……‰∫¥……®…“ E‰Ú ∫…“ §…xn˘…{‰ ……v™……™… B∫… B  l…®…Ë™™…… E‰Ú i……h…÷  {…±±…Ë
Jiban Goswami K C Bandyopadhyay S A Thimmiah K Thanu Pillai
F tkXpam[h≥ F tXmakv ]n hn inhi¶c ]n≈ kn Sn tImin
B ∫…‰i…÷®……v…¥…x… B i……‰®…∫… {…“ ¥…“  ∂…¥…∂…∆EÚÆ˙  {…±±…Ë ∫…“ ]ı“ EÚ…‰∂…“
A Sethumadhavan A Thomas P V Sivasankara Pillai C T Koshy
CtX Xob-Xn-bn¬ Rß-fpsS dnt∏m¿´n¬ ]d-™n-´p-≈X
- p-t]mse ∫…®…  i… l… EÚ“ Ω˛®……Æ˙“  Æ˙{……‰]ı« E‰Ú +x…÷∫……Æ˙ As per our report of even date
HmUn-‰¿am¿ ±…‰J…… {…Æ˙“I…EÚ AUDITORS
t{]w Kp]vX B≥Uv skmUm\n B≥Uv kmlm KmwKpen B≥Uv cma\mYw B≥Uv sPbn≥ B≥Uv
Iº\nbv°v th≠n Iº\nbv°v th≠n Atkmkntb‰vkn\p th≠n dmhphn\v th≠n sPbn\n\p th≠n
Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv
A\n¬ Ipam¿ Kp]vX PKZoiv [h≥ kao¿ Ipam¿ kmlm kn. Imtaizc dmhp \ncRvP≥ Fw. sPbn≥
]¶mfn ]¶mfn ]¶m-fn ]¶mfn ]¶mfn
AwKXz kwJy 082847 AwKXz kwJy 088596 AwKXz kwJy 051392 AwKXz kwJy 024363 AwKXz kwJy 101360
EfiÚi…‰ |…‰®… M…÷{i…… B¥…∆ E∆Ú{…x…“ EfiÚi…‰ ∫……‰b˜…x…“ B¥…∆ E∆Ú{…x…“ EfiÚi…‰ ∫……Ω˛ M……∆M…÷±…“ B¥…∆ B∫……‰ ∫…™…‰]¬ı∫… EfiÚi…‰ Æ˙…®…x……l…®… B¥…∆ Æ˙…¥… EfiÚi…‰ V…Ëx… B¥…∆ V…Ëx…
∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙
+ x…±… E÷Ú®……Æ˙ M…÷{i…… V…M…n˘“∂… v…¥…x… ∫…®…“Æ˙ E÷Ú®……Æ˙ ∫……Ω˛ ∫…“. EÚ…®…‰∑…Æ˙ Æ˙…¥…  x…Æ∆˙V…x… B®…. V…Ëx…
¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙
∫…n˘∫™…i…… ∫…∆. 082847 ∫…n˘∫™…i…… ∫…∆. 088596 ∫…n˘∫™…i…… ∫…∆. 051392 ∫…n˘∫™…i…… ∫…∆. 024363 ∫…n˘∫™…i…… ∫…∆. 101360
For Prem Gupta & CompanyFor Sodani & Company For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
Anil Kumar Gupta Jagdish Dhawan Samir Kumar Saha C. Kameswara Rao Niranjan M. Jain
Partner Partner Partner Partner Partner
Membership No. 082847 Membership No.088596 Membership No. 051392 Membership No. 024363 Membership No. 101360
apwss_, G{]n¬ 23, 2009
®…÷®§…<«, 23 +|…˱… 2009
Mumbai, 23rd April 2009
44

2009 am¿®v 31 \v Ah-km-\n-°p∂ tÉv _m¶v Hm^v {Smh≥Iq¿


em` \jvS° - W - °v
31 ®……S…«, 2009 EÚ…‰ ∫…®……{i… ¥…π…« Ω‰˛i…÷ ±……¶… B¥…∆ Ω˛… x… J……i…… ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
PROFIT AND LOSS ACCOUNT FOR STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)
THE YEAR ENDED 31st MARCH, 2009
31 am¿®v 2009 \v 31 am¿®v 2008 \v
kam-]n® kam-]n®
]´nI h¿jw h¿jw
+x…÷∫…⁄S…“ 31 ®……S…« 2009 EÚ…‰ 31 ®……S…« 2008 EÚ…‰
Schedule ∫…®……{i… ¥…π…« ∫…®……{i… ¥…π…«
For the year ended For the year ended
31st March 2009 31st March 2008
I. hcp-am\w +…™… INCOME
1. B¿÷nX ]eni +ÃV…i… §™……V… Interest Earned 13 4123 15 15 3434 10 64
2. a‰p hcp-am\w +x™… +…™… Other Income 14 573 09 65 438 75 25
BsI V……‰c˜ Total 4696 24 80 3872 85 89
II. sNehv ¥™…™… EXPENDITURE
1. sNe-hm-°nb ]eni ¥™…™…  EÚ™…… M…™…… §™……V… Interest Expended 15 2840 60 07 2476 82 43
2. {]h¿Ø-\-s®-e-hp-Iƒ {… Æ˙S……±…x… ¥™…™… Operating Expenses 16 799 37 40 686 94 23
3. hI-bn-cp-ØepIfpw BI-kvanI sNe-hp-Ifpw
|……¥…v……x… +…ËÆ˙ +…EÚŒ∫®…EÚ ¥™…™… Provisions and Contingencies 448 43 54 322 98 14
BsI V……‰c˜ Total 4088 41 01 3486 74 80
III. em`w/\jvSw ±……¶…/Ω˛… x… PROFIT/LOSS
1. \S-∏p-h¿jsØ A‰m-Zmbw ¥…π…« EÚ… ∂…÷r˘ ±……¶… Net Profit for the Year 607 83 79 386 11 09
2. ap≥_m°n em`w +O…x…“i… ±……¶… Profit brought forward 1 40 26 1 40 07
BsI V……‰c˜ Total 609 24 05 387 51 16
-hn-\n-tbmKw  ¥… x…™……‰V…x… APPROPRIATIONS
1. \nb-am-\p-krX Icp-X-en-te°v am‰w
∫……∆ ¥… v…EÚ +…Æ˙ I… i…™……Â EÚ…‰ +∆i…Æ˙h… Transfer to Statutory Reserves 151 95 94 96 52 80
2. aqe-[-\-I-cp-X-en-te°v am‰w (\nIpXn kamtbmP\w Ipd®Xn\v
tijw) {…⁄Vƒ …“ +…Æ˙ I… i…™…… EÚ…‰ +∆i…Æ˙h… (EÚÆ˙ ∫…®…™……‰V…x……‰∆‰ EÚ…  x…¥…±…)
Transfer to Capital Reserves (net of tax adjustments) 37 62 18 C√ E÷ÚUÙ x…Ω˛” Nil
3. a‰p Icp-X-en-te°v am‰w
+x™… +…Æ˙ I… i…™……Â EÚ…‰ +∆i…Æ˙h… Transfer to Other Reserves
F) IcpX¬ cq] tkz]v B) +…Æ˙I…h… Ø˚{…™…… ∫¥…Ë{… a) Reserve - Rupee Swap 3 13 65 1 51 36
_n) BZmb\nIpXn \nbaw hIp∏v 36 (i) (viii) {]Imcw {]tXyI IcpX¬
§…“) +…™… EÚÆ˙ + v… x…™…®… EÚ“ v……Æ˙… 36 (i) (viii) E‰Ú +xi…M…«i…  ¥…∂…‰π… +…Æ˙ I… i…
b) Special Reserve under Sec 36 (i) (viii) of IT Act 30 00 00
kn) s]mXp-I-cp-X¬ ∫…“) ∫……®……x™… +…Æ˙ I… i…™……ƒ c) General Reserves 309 25 00 229 57 00
4. \n¿±njvS em`-hn-lnXw |…∫i…… ¥…i… ±……¶……∆∂… Proposed Dividend 65 00 00 50 00 00
5. em`-hn-ln-X-Øn-t∑-ep≈ \nIpXn ±……¶……∆∂… {…Æ˙ EÚÆ˙ Tax on Dividend 11 04 35 8 49 75
6. BkvXn-_m-[yXm ]{X-Øn-te°v sIm≠p-h∂ _m°n
+ i…∂…‰π…, V……‰ +…M…‰ i…÷±…x…-{…j… ®… ±…‰ V……™…… M…™…… Ω˲
Balance carried over to Balance Sheet 1 22 93 1 40 26
BsI V……‰c Total 609 24 05 387 51 17
45

2009 am¿®v 31 \v Ah-km-\n-°p∂ tÉv _m¶v Hm^v {Smh≥Iq¿


em` \jvS° - W - °v
31 ®……S…«, 2009 EÚ…‰ ∫…®……{i… ¥…π…« Ω‰˛i…÷ ±……¶… B¥…∆ Ω˛… x… J……i…… ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
PROFIT AND LOSS ACCOUNT FOR STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)
THE YEAR ENDED 31st MARCH, 2009
31 am¿®v 2009 \v 31 am¿®v 2008 \v
kam-]n® h¿jw kam-]n® h¿jw
]´nI 31 ®……S…« 2009 EÚ…‰ ∫…®……{i… ¥…π…« 31 ®……S…« 2008 EÚ…‰ ∫…®……{i… ¥…π…«
+x…÷∫…⁄S…“ For the year ended For the year ended
Schedule 31st March 2009 31st March 2008
kv]„amb A°u≠nwKv \bw
=±±…‰J…x…“™… ±…‰J…… x…“ i…
Significant Accounting Policies 17
IW-°p-I-fpsS hni-Zo-I-cW°pdn-∏p-Iƒ
Notes to Accounts
±…‰J……Â {…Æ˙  ]ı{{… h…™……ƒ 18
ASnÿm\]chpw NypXnhcpØnbXpamb
{]XnHmlcn hcpam\w apJhne 10 cq] (cq]bn¬)
Ø˚. 10/- EÚ… +∆ EÚi… ®…⁄±™… EÚ… ®…⁄±… B¥…∆ i…x…÷EÚfi i… +ÃV…i… |… i…∂…‰™…Æ˙ (Ø˚{…™…… ®…Â)
Basic & diluted Earnings per Share of Face Value Rs. 10/- (in Rupees) 121.57 77.22

kn≤m¿∞v _nkzm¬ Fkv F¬ lcnlc≥ F sI PK∂mY≥ H ]n `´v


sU]yq´n P\-d¬ amt\-P¿ P\-d¬ amt\-P¿ ({Sjdn) amt\-PnwKv Ub-d-IvS¿ sNb¿am≥
([-\-Im-cyhpw A°u≠pIfpw) B∫… B±… Ω˛ ÆΩ˛Æx… B E‰Ú V…M…z……l…x… +…‰ {…“ ¶…^ı
 ∫…r˘…l…«  §…∫¥……±… ®…Ω˛… |…§…∆v…EÚ (Æ˙…V…EÚ…‰π…) |…§…∆v…  x…n‰˘∂…EÚ +v™…I…
={… ®…Ω˛… |…§…∆v…EÚ ( ¥…k… B¥…∆ ±…‰J……) S L Hariharan A K Jagannathan O P Bhatt
Siddharth Biswal General Manager Managing Director Chairman
Deputy General Manager (Treasury)
(Finance and Accounts)
Ub-d-IvS¿am¿  x…n‰∂…EÚM…h… DIRECTORS
Pn_≥ tKmkzman sI kn _tµm]m≤ymbv Fkv F XnΩø sI XmWp ]n≈
V…“§…x… M……‰∫¥……®…“ E‰Ú ∫…“ §…xn˘…{‰ ……v™……™… B∫… B  l…®…Ë™™…… E‰Ú i……h…÷  {…±±…Ë
Jiban Goswami K C Bandyopadhyay S A Thimmiah K Thanu Pillai
F tkXpam[h≥ F tXmakv ]n hn inhi¶c ]n≈ kn Sn tImin
B ∫…‰i…÷®……v…¥…x… B i……‰®…∫… {…“ ¥…“  ∂…¥…∂…∆EÚÆ˙  {…±±…Ë ∫…“ ]ı“ EÚ…‰∂…“
A Sethumadhavan A Thomas P V Sivasankara Pillai C T Koshy
CtX Xob-Xn-bn¬ Rß-fpsS dnt∏m¿´n¬ ]d-™n-´p-≈X
- p-t]mse ∫…®…  i… l… EÚ“ Ω˛®……Æ˙“  Æ˙{……‰]ı« E‰Ú +x…÷∫……Æ˙ As per our report of even date
HmUn-‰¿am¿ ±…‰J…… {…Æ˙“I…EÚ AUDITORS
t{]w Kp]vX B≥Uv skmUm\n B≥Uv kmlm KmwKpen B≥Uv cma\mYw B≥Uv sPbn≥ B≥Uv
Iº\nbv°v th≠n Iº\nbv°v th≠n Atkmkntb‰vkn\p th≠n dmhphn\v th≠n sPbn\n\p th≠n
Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv
A\n¬ Ipam¿ Kp]vX PKZoiv [h≥ kao¿ Ipam¿ kmlm kn. Imtaizc dmhp \ncRvP≥ Fw. sPbn≥
]¶mfn ]¶mfn ]¶m-fn ]¶mfn ]¶mfn
AwKXz kwJy 082847 AwKXz kwJy 088596 AwKXz kwJy 051392 AwKXz kwJy 024363 AwKXz kwJy 101360
EfiÚi…‰ |…‰®… M…÷{i…… B¥…∆ E∆Ú{…x…“ EfiÚi…‰ ∫……‰b˜…x…“ B¥…∆ E∆Ú{…x…“ EfiÚi…‰ ∫……Ω˛ M……∆M…÷±…“ B¥…∆ B∫……‰ ∫…™…‰]¬ı∫… EfiÚi…‰ Æ˙…®…x……l…®… B¥…∆ Æ˙…¥… EfiÚi…‰ V…Ëx… B¥…∆ V…Ëx…
∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙
+ x…±… E÷Ú®……Æ˙ M…÷{i…… V…M…n˘“∂… v…¥…x… ∫…®…“Æ˙ E÷Ú®……Æ˙ ∫……Ω˛ ∫…“. EÚ…®…‰∑…Æ˙ Æ˙…¥…  x…Æ∆˙V…x… B®…. V…Ëx…
¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙
∫…n˘∫™…i…… ∫…∆. 082847 ∫…n˘∫™…i…… ∫…∆. 088596 ∫…n˘∫™…i…… ∫…∆. 051392 ∫…n˘∫™…i…… ∫…∆. 024363 ∫…n˘∫™…i…… ∫…∆. 101360
For Prem Gupta & CompanyFor Sodani & Company For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
Anil Kumar Gupta Jagdish Dhawan Samir Kumar Saha C. Kameswara Rao Niranjan M. Jain
Partner Partner Partner Partner Partner
Membership No. 082847 Membership No. 088596 Membership No. 051392 Membership No. 024363 Membership No. 101360
apwss_, G{]n¬ 23, 2009
23 +|…˱… 2009
®…÷®§…<«,
Mumbai, 23rd April 2009
46

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI
±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 1 aqe-[\w 31-am¿®v-2009 se 31-am¿®v-2008 se


+x…÷∫…⁄S…“ ˛ 1 {…⁄Vƒ …“ IW°\pkcn®v IW°\pkcn®v
Schedule - 1 CAPITAL 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
As at 31-Mar-2009 As at 31-Mar-2008

F) AwKo-IrX aqe-[\w (10 cq] hoX-ap-≈


50,00,00,000 Hml-cn-I-ƒ) (Ign™ h¿jw 100 cq]
hoX-ap-≈ 50,00,000 Hml-cn-I-ƒ)
B) |…… v…EfiÚi… {…⁄Vƒ …“ (10 Ø˚. |… i… ∂…‰™…Æ˙ ¥……±…‰ 50,00,00,000 ∂…‰™…Æ˙)
(M…i… ¥…π…« 100 Ø˚. |… i… ∂…‰™…Æ˙ ¥……±…‰ 50,00,000 ∂…‰™…Æ˙)
A) Authorised Capital (50,00,00,000 Shares of Rs 10 each)
(Previous year 50,00,000 Shares of Rs 100 each) 500 00 00 50 00 00
_n) ]pd-s∏-Sp-hn®, hmßm≥ kΩXn-®, AS®pXo¿Ø
aqe-[\w (10 cq] hoX-ap-≈ 5,00,00,000 Hml-cn-I-ƒ)
(Ign™ h¿jw 100 cq] hoX-ap-≈ 50,00,000 Hml-cn-I-ƒ)
§…“)  x…M…« ®…i…, + ¶…n˘k… +…ËÆ˙ |…n˘k… {…⁄Vƒ …“ (10 Ø˚. |… i… ∂…‰™…Æ˙ ¥……±…‰
5,00,00,000 ∂…‰™…Æ˙) (M…i… ¥…π…« 100 Ø˚. |… i… ∂…‰™…Æ˙ ¥……±…‰ 50,00,000 ∂…‰™…Æ˙)
B) Issued, Subscribed and Paid up Capital (5,00,00,000 Shares
of Rs. 10 each) (Previous year 50,00,000 Shares of Rs 100 each) 50 00 00 50 00 00

]´nI ˛ 2 Icp-X-ep-Ifpw an®hpw


+x…÷∫…⁄S…“ - 2 +…Æ˙ I… i…™……ƒ B¥…∆ + v…∂…‰π…
Schedule - 2 RESERVES & SURPLUS

I. \nb-am-\p-krX Icp-X-ep-Iƒ
∫……∆ ¥… v…EÚ +…Æ˙ I… i…™……ƒ Statutory Reserves
{]mcw` \o°n-bn-cn∏v +l…∂…‰π… Opening Balance 704 86 52 608 33 72
\S-∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 151 95 94 96 52 80
\S-∏p-h¿j-Ønse Ipdhv
¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ Deductions during the year C√ E÷ÚUÙ x…Ω˛” Nil 856 82 46 C√ E÷ÚUÙ x…Ω˛” Nil 704 86 52
II. aqe-[\ Icp-X-ep-Iƒ {…⁄Vƒ …“ +…Æ˙ I… i…™……ƒ Capital Reserves
{]mcw` \o°n-bn-cn∏v +l…∂…‰π… Opening Balance 25 09 11 25 09 11
\S-∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 37 62 18 C√ E÷ÚUÙ x…Ω˛” Nil
\S-∏p-h¿j-Ønse Ipdhv
¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ Deductions during the year C√ E÷ÚUÙ x…Ω˛” Nil 62 71 29 C√ E÷ÚUÙ x…Ω˛” Nil 25 09 11
47

IW-°pI-fpsS ]´nI tÉv _m¶v Hm^v {Smh≥Iq¿


±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
SCHEDULES TO ACCOUNTS STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 2 Icp-X-ep-Ifpw an®hpw 31 am¿®v 2009 se IW-°-\p-k-cn®v 31 am¿®v 2008 se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 2 +…Æ˙ I… i…™……ƒ B¥…∆ + v…∂…‰π… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 2 RESERVES & SURPLUS (Contd.) As at 31-Mar-2009 As at 31-Mar-2008

III. Hmlcn {]oanbw ∂…‰™…Æ˙ |…“ ®…™…®… Share Premium


{]mcw` \o°n-bn-cn∏v +l…∂…‰π… Opening Balance 142 50 00 142 50 00
\S-∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
\S-∏p-h¿j-Ønse Ipdhv
¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ Deductions during the year C√ E÷ÚUÙ x…Ω˛” Nil 142 50 00 C√ E÷ÚUÙ x…Ω˛” Nil 142 50 00
IV sdh-\yqhpw a‰p Icp-X-ep-I-fpw
Æ˙…V…∫¥… B¥…∆ +x™… +…Æ˙ I… i…™……ƒ Revenue and Other Reserves
F) cq]˛sb≥ kzm]vkpIfpsS em`Ønt∑ep≈
kvs]jy¬ dnk¿∆v A°u≠v
B) Ø˚{…™……-B‰x… ∫¥…Ë{… {…Æ˙ ±……¶… Ω‰˛i…÷  ¥…∂…‰π… +…Æ˙ I…i… J……i……
(a) Special Reserve Account for profit on Rupee-Yen Swaps
{]mcw` \o°n-bn-cn∏v +l…∂…‰π… Opening Balance 2 78 31 1 26 95
\S-∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 3 13 65 1 51 36
\S-∏p-h¿j-Ønse Ipdhv
¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ Deductions during the year C√ E÷ÚUÙ x…Ω˛” Nil 5 91 96 C√ E÷ÚUÙ x…Ω˛” Nil 2 78 31
_n) BZmb\nIpXn \nbaw 1961, 36 (i) (viii) {]Imcw IcpXepIƒ
§…“) +…™…EÚÆ˙ + v… x…™…®… 1961, 36 (i) (viii) E‰Ú +xi…M…«i… +…Æ˙ I… i…™……ƒ
(b) Reserves under Sec 36 (i) (viii) of IT Act 1961
{]mcw` \o°n-bn-cn∏v +l…∂…‰π… Opening Balance C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
\S-∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 30 00 00 C√ E÷ÚUÙ x…Ω˛” Nil
\S-∏p-h¿j-Ønse Ipdhv
¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ Deductions during the year C√ E÷ÚUÙ x…Ω˛” Nil 30 00 00 C√ E÷ÚUÙ x…Ω˛” Nil
kn) a‰p IcpXep-Iƒ
∫…“) +x™… +…Æ˙ I… i…™……ƒ (c) Other Reserves
{]mcw` \o°n-bn-cn∏v +l…∂…‰π… Opening Balance 791 46 83 770 83 83
\S-∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 309 25 00 229 57 00
\S-∏p-h¿j-Øn-ep-≠mb Ipdhv
¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ Deductions during the year C√ E÷ÚUÙ x…Ω˛” Nil 1100 71 83 208 94 00 791 46 83
V. em` \jvS°-W-°nse \o°n-bn-cn∏v
±……¶… B¥…∆ Ω˛… x… J……i…‰ EÚ… + i…∂…‰π…
Balance in Profit & Loss account 1 22 92 1 40 26
BsI V……‰c˜ Total 2199 90 46 1668 11 03
48

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI
±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 3 \nt£-]-߃ 31-03-09 -se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 3  x…I…‰{… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule-3 DEPOSITS As at 31-Mar-2009 As at 31-Mar-2008

F I . Unam≥Uv \nt£]w

EÚ) I. ®……∆M…  x…I…‰{… -


A. I. Demand Deposits

- n¬ \n∂v §…ÈEÚ…‰∆ ∫…‰ From Banks


_m¶p-If 317 15 33 331 63 53
a‰p-≈h - n¬ \n∂v +x™… ∫…‰ From Others
- b 1940 21 61 2257 36 94 1728 11 00 2059 74 53
II. tkhnwKvkv _m¶v \nt£-]-߃

§…S…i… §…ÈEÚ  x…I…‰{… Savings Bank Deposits 11377 77 77 8291 14 71


III. Imem-h[n \nt£-]-߃

EÚ… ±…EÚ  x…I…‰{… Term Deposits

- n¬ \n∂v §…ÈEÚ…Â ∫…‰ From Banks


_m¶p-If 54 53 69 364 11 28
a‰p-≈h - n¬ \n∂v +x™… ∫…‰ From Others
- b 28352 23 26 28406 76 95 24638 88 46 25002 99 74
BsI V……‰c˜ Total 42041 91 66 35353 88 98

_n. I. C¥y-≥ imJ-Ifnse \nt£]߃


J…. I. ¶……Æ˙i… ®…Â ∂……J……+…Â E‰Ú  x…I…‰{…
B. I. Deposits of Branches in India 42041 91 66 35353 88 98

II. hntZi imJ-If


- nse \nt£-]ß
- ƒ
II. ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ ∂……J……+… E‰Ú  x…I…‰{…
II. Deposits of Branches outside India C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil

BsI V……‰c˜ Total 42041 91 66 35353 88 98


49

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI
±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 4 ISw hmß-ep-Iƒ 31-03-09 -se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 4 =v……Æ˙ 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 4 BORROWINGS As at 31-Mar-2009 As at 31-Mar-2008

I. C¥y-bv°I-Øp≈ ISw hmß-ep-Iƒ


¶……Æ˙i… ®…Â =P……Æ˙
Borrowings in India

i) `mc-Xob dnk¿∆v _m¶v

¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ


Reserve Bank of India C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
ii) a‰p _m¶pIƒ

+x™… §…ÈEÚ
Other Banks C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
iii) a‰p ÿm]-\ß
- f
- pw GP≥kn-Ifpw
+x™… ∫…∆∫l……B∆ +…ËÆ˙ + ¶…EÚÆ˙h…
Other Institutions and Agencies 807 76 31 807 76 31 2508 26 72 2508 26 72
II. hntZ-i-Øp-\n-∂pff hmbv-]Iƒ
¶……Æ˙i… E‰Ú §……Ω˛Æ˙ =v……Æ˙
Borrowings outside India C√ E÷ÚUÙ x…Ω˛” Nil 341 02 00

BsI V……‰c˜ Total 807 76 31 2849 28 72

III. ta¬∏d-™n-´p-≈h
- b
- n¬ Dƒs∏-Sp-Ønb
kpc-£nX ISw hmß-ep-Iƒ
={…™…÷H« Ú˙ ®… ∫…Œ®®… ±…i… |… i…¶…⁄i… =v……Æ˙
Secured Borrowings included in above C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
50

IW-°pI-fpsS ]´nI tÉv _m¶v Hm^v {Smh≥Iq¿


±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
SCHEDULES TO ACCOUNTS STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 5 a‰p _m[y-XI


- fpw hI-bn-cp-Øe
- p-Ifpw 31-03-09se IW-°-\p-k-cn®v 31-03-08se IW-°-\p-k-cn®v

+x…÷∫…⁄S…“ - 5 +x™… n˘… ™…i¥… +…ËÆ˙ |……¥…v……x… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 5 OTHER LIABILITIES & PROVISIONS As at 31-Mar-2009 As at 31-Mar-2008
I. ]Ww sImSp-t°≠ _n√pIƒ
∫…∆n˘‰ ™…  §…±… Bills Payable 814 51 63 812 65 71
II. k©nX ]eni |……‰n˘¬ ¶…⁄i… §™……V…
Interest Accrued 808 08 64 597 61 81
III. a‰p-≈h (h-I-bn-cp-Ø-ep-Iƒ Dƒs∏-sS)
+x™… (|……¥…v……x……Â ∫… Ω˛i…)
Others (including provisions) # 2738 32 48 2562 79 65
BsI V……‰c˜ Total 4360 92 75 3973 07 17
# Chbn¬ Dƒs∏Sp∂h
 V…∫…®… ∫…Œ®®… ±…i… Ω˲
# Includes
F) \qX\ imizX EW C≥kv{Spsa‚ v
(Snb¿ I aqe[\w) aptJ\ e`n® XpI
(B) x…¥……‰x®…‰π… ∫l……™…“ @Òh…  ±…J…i… ( ]ı™…Æ I {…⁄Vƒ …“) u˘…Æ˙… |……{i… Æ˙… ∂…
a) Innovative Perpetual Debt Instruments (Tier I capital) 300 00 00 300 00 00
_n) c≠mw Xe aqe-[\t_m≠p-Iƒ
-
aptJ\ e`-n® XpI
(§…“)  ]ı™…Æ˙ II {…⁄Vƒ …“ §……Ïhb˜…Â u˘…Æ˙… |……{i… Æ˙… ∂…
b) Upper Tier II Bonds 500 00 00 500 00 00
kn) c≠mw Xe aqe-[\Ønte°v
t_m≠p-Iƒ
- aptJ\ e`-n® XpI
(∫…“)  ]ı™…Æ˙ II {…⁄Vƒ …“ E‰Ú |… i… §……Ïhb˜…Â u˘…Æ˙… |……{i… Æ˙… ∂…
c) Bonds towards Tier II capital 940 00 00 940 00 000
Un) \ne-hm-ca
- p≈ BkvXn-If
- n-t∑¬
BI-kvanI hI-bn-cp-Øe
- p-Iƒ
(b˜“) ®……x…EÚ +…Œ∫i…™…… E‰Ú |… i… |……¥…v……x…
d) Provision against Standard Assets 148 28 00 148 28 00
Cu) am‰nhbv°s∏´ \nIpXn (A‰ _m[yX)
(<«) +…∫l… M…i… EÚÆ˙ n‰˘™…i……Bƒ ( x…¥…±…)
e) Deferred Tax Liabilities (Net) 15 600 C√ E÷ÚUÙ x…Ω˛” Nil
51

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI
±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
SCHEDULES TO ACCOUNTS STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI - 6 `mc-Xob dnk¿∆v 31-03-09 s


- e 31-03-08 s
- e
_m¶nse \mWyhpw \o°n-bn-cn∏pw IW-°-\p-k-cn®v IW-°-\p-k-cn®v
+x…÷∫…⁄S…“ - 6 ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ ®… x…EÚn˘“ B¥…∆ + i…∂…‰π… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 6 CASH AND BALANCE WITH RBI As at 31-Mar-2009 As at 31-Mar-2008

I. ssIh-i-ap≈ XpI (hn-tZi Id≥knt\m´p-I-fpƒs∏sS)

Ω˛…l… ®… x…EÚn˘“ ( ¥…n‰˘∂…“ EÚÆÂ˙∫…“ x……‰]ı ∫… Ω˛i…)


Cash in hand (including foreign currency notes) 220 62 71 78 86 83
II. d-n-k¿∆v _m¶v Hm^v C¥y-bn-ep-≈ \o°n-bn-cn∏v

¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ ®…Â + i…∂…‰π…


Balances with Reserve Bank of India

i) Id-‚ v A°u-≠n¬ S……±…⁄ J……i…‰ ®…Â


In Current Account 2108 09 81 3195 97 84
ii) a‰v A°u≠pI-fn¬ +x™… J……i……Â ®…Â
In Other Accounts C√ E÷ÚUÙ x…Ω˛” Nil 2108 09 81 C√ E÷ÚUÙ x…Ω˛” Nil 3195 97 84
BsI V……‰c Total 2328 72 52 3274 84 67
52

IW-°pI-fpsS ]´nI tÉv _m¶v Hm^v {Smh≥Iq¿


±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
SCHEDULES TO ACCOUNTS STATE BANK OF TRAVANCORE
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 7 _m¶nse \o°n-bn-cn∏pw Bh-iy-s∏-Sp-tºmgpw 31-03-09 -se 31-03-08-se


{lkz-Ime kqN-\-bnepw e`n-°p∂ ]Whpw IW-°-\p-k-cn®v IW-°-\p-k-cn®v
+x…÷∫…⁄S…“ - 7 §…ÈEÚ…Â ®… + i…∂…‰π… B¥…∆ 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
®……∆M… i…l…… +±{…∫…⁄S…x…… {…Æ˙ |……{™… v…x… As at 31-Mar-2009 As at 31-Mar-2008
Schedule - 7 BALANCES WITH BANKS &
MONEY AT CALL & SHORT NOTICE

I. C¥y-bn¬ ¶……Æ˙i… ®…Â˙ In India


i) _m¶p-I-fnse \o°n-bn-cn∏v
§…ÈEÚ…Â ®…Â + i…∂…‰π… Balances with Banks
F) Id‚ v A°u-≠p-If
- n¬
EÚ) S……±…⁄ J……i……Â ®…Â a) in Current Accounts 4 97 51 59 33 93
_n) a‰p \nt£] A°u-≠p-If
- n¬
J…) +x™… V…®…… J……i…… ®… b) in Other Deposit Accounts C√ E÷ÚUÙ x…Ω˛” Nil 4 97 51 299 00 00 358 33 93
ii) Bh-iy-s∏-Sp-tºmgpw {lkz-Ime kqN-\b
- nepw
e`n-°p∂ ]Ww
®……∆M… B¥…∆ +±{…∫…⁄S…x…… {…Æ˙ |……{™… v…x…
Money at Call and Short Notice
F) _m-¶n¬ EÚ) §…ÈEÚ…‰ E‰Ú {……∫… a) with Banks C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
_n) a‰p ÿm]-\ß
- f
- n¬
J…) +x™… ∫…∆∫l……+… ®… b) with other institutions C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
II. C¥y°v ]pdØv ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ Outside India
i) Id‚ v A°u-≠p-If
- n¬
S……±…⁄ J……i…… ®… in Current Accounts C√ E÷ÚUÙ x…Ω˛” Nil 54 30 64
ii) a‰p \nt£] A°u-≠p-If
- n¬
+x™… V…®…… J……i…… ®… in Other Deposit Accounts 120 95 83 C√ E÷ÚUÙ x…Ω˛” Nil
iii) Bh-iy-s∏-Sp-tºmgpw {lkz-Ime kqN-\b
- nepw
e`n-°p∂ ]Ww
®……∆M… B¥…∆ +±{…∫…⁄S…x…… {…Æ˙ |……{™… v…x…
Money at Call and Short Notice C√ E÷ÚUÙ x…Ω˛” Nil 120 95 83 C√ E÷ÚUÙ x…Ω˛” Nil 54 30 64
BsI V……‰c˜ Total 125 93 34 412 64 57
53

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
±…‰J……Â EÚ“ +x…÷∫…⁄ S…™……ƒ STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS (cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 8 apX¬ apS-°p-Iƒ 31-03-09 -se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 8  ¥… x…v……x… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 8 INVESTMENTS As at 31-Mar-2009 As at 31-Mar-2008

F I C¥y-bn¬
A I. ¶……Æ˙i… ®…Â In India:
i) k¿°m¿ Pmay-߃
∫…Æ˙EÚ…Æ˙“ |… i…¶…⁄ i…™……ƒ ®…Â Government Securities 11710 07 44 10581 54 95
ii) a‰v AwKo-IrX Pmay-߃
+x™… +x…÷®……‰ n˘i… |… i…¶…⁄ i…™……Â ®…Â Other Approved Securities 61 06 40 89 92 74
iii) Hml-cn-Iƒ ∂…‰™…Æ ®… Shares 86 41 33 94 03 83
iv) IS-∏{- X-ßfpw t_m≠p-Ifpw
 b˜§…ÂS…Æ˙ +…ËÆ˙ §…∆v… {…j… ®… Debentures and Bonds 1138 75 95 474 77 43
v) D]mw-Kß
- fpw/AYhm kwbp‡ kwcw-`ß
- fpw
∫…®…x…÷π…∆M…“ +…ËÆ˙ / +l…¥…… ∫…Ω˛ =t®… ®…Â
Subsidiaries and/or Joint Ventures C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
vi) a‰p-≈h +x™… Others 235 39 55 112 66 53
F II C-¥ybv°v ]pdØv-, a‰p≈h
A II. ¶……Æ˙i… E‰Ú §……Ω˛Æ - +x™…˙ Outside India - Others C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
BsI V……‰c˜ Total 13231 70 68 11352 95 48
_n I C-¥ybv°IØp≈ apX¬apS-°p-Iƒ
B I. ¶……Æ˙i… E‰Ú +xn˘Æ  ¥… x…v……x… Investments in India
i) apX¬apS-°p-If
- psS samØ-hne
 ¥… x…v……x……Â EÚ… ∫…EÚ±… ®…⁄±™… Gross value of investments 13303 80 98 11419 36 16
ii) hne-bn-Sn-hn-\p≈ samØw hI-bn-cp-Øe
- p-Iƒ
®…⁄±™…ø…∫… E‰Ú  ±…B E÷Ú±… |……¥…v……x…
Aggregate provision for Depreciation 72 10 30 66 40 68
iii) apX¬apS-°p-If
- psS A ¬ aqeyw
 ¥… x…v……x……Â EÚ…  x…¥…±… ®…⁄±™…
Net Value of Investments 13231 70 68 11352 95 48
_n II. C¥ybv°p ]pd-Øp≈ apX¬apS-°p-Iƒ˛a‰p≈h
B II. ¶……Æ˙i… E‰Ú §……Ω˛Æ˙  ¥… x…v……x… - +x™… Investments outside India - Others C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
BsI V……‰c˜ Total 13231 70 68 11352 95 48
54

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
±…‰J……Â EÚ“ +x…÷∫…⁄ S…™……ƒ STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS (cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 9 hmbv]Iƒ 31-03-09 -se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 9 + O…®… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 9 ADVANCES As at 31-Mar-2009 As at 31-Mar-2008
F i) _n√p-Iƒ hmßn-bXpw UnkvIu≠v sNbvXXpw
EÚ) i) GÚ“i… B¥…∆ §…]¬ı]ı…M…i…  §…±… Bills Purchased and Discounted 1714 69 94 1883 02 03
A ) ii) Iymjv s{IUn- ‰ p- I fpw Hmh¿{Um- ^ v ‰ p- I fpw
Bhiy- s ∏- S p- t ºmƒ Xncn- ® - S - b v t °≠ hmbv ] - I fpw
ii) Æ˙…E‰ Úc˜ =v……Æ˙, +…‰¥…Æ˙b˜≈…}√]ı +…ËÆ˙ ®……∆M… {…Æ˙ ∫…∆n˘‰ ™… @Òh…
ii) Cash Credits, Overdrafts & Loans repayable on demand 14166 54 59 11840 80 80
iii) Imem-h[n hmbv]-Iƒ ®…“™……n˘“ @Òh… Term Loans 16631 10 38 14412 79 32
iv) ADWDRS 2008 {]Imcw `mcX k¿°mcn¬ \n∂pw
e`nt°≠ XpI
iv) B b˜“ b˜§±™…⁄ b˜“ +…Æ˙ B∫… 2008 E‰Ú +xi…M…«i… ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ ∫…‰ |……{™… Æ˙… ∂…
iv) Amount receivable from GOI under ADWDRS 2008 198 58 03
BsI V……‰c˜ Total 32710 92 94 28136 62 15
_n i) ÿqe BkvXn-If
- m¬ kwc-£nXw
(IW-°p-_p-°p-If
- nse IS-ßf
- n-t∑-ep≈
hmbv]I
- ƒ Dƒ∏sS)
J…) i) ®…⁄i…« +…Œ∫i…™…… u˘…Æ˙… |… i…¶…⁄i… (§…Ω˛“ @Òh… {…Æ˙ + O…®… ∫… Ω˛i…)
B. i) Secured by Tangible Assets (includes advances
against Book Debts) 25953 57 93 22914 86 33
ii) _m¶v/k¿°m¿ Kmc-≠n-If
- m¬ kwc£nXw
ii) §…ÈEÚ/∫…Æ˙EÚ…Æ˙“ |…i™……¶…⁄ i…™…… u˘…Æ˙… ∫…∆Æ˙ I…i…
ii) Covered by Bank /Government Guarantees 309 91 38 880 12 57
iii) Pmay-an-√m-ØXv +|… i…¶…⁄i… Unsecured 6447 43 63 4341 63 25
BsI V……‰c˜ Total 32710 92 94 28136 62 15
kn I. C¥y-bv°I-Øp≈ hmbv]I
- ƒ
M…) I. ¶……Æ˙i… ®…Â + O…®…
C. I. Advances in India
i) ap≥K-W\
- m- ta-Je |……l… ®…EÚ I…‰j… Priority Sector 13014 61 96 11741 77 71
ii) s]mXp-ta-Je ∫……¥…«V… x…EÚ I…‰j…˙ Public Sector 1 26 68 1764 29 02
iii) _m¶p-Iƒ §…ÈEÚ Banks C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
iv) a‰p-≈h +x™… Others 19695 04 30 14630 55 42
D]-XpI ={… V……‰c˜ Sub-Total 32710 92 94 28136 62 15
55

tÉv _m¶v Hm^v {Smh≥Iq¿


IW-°pI-fpsS ]´nI ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
±…‰J……Â EÚ“ +x…÷∫…⁄ S…™……ƒ STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS (cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)

]´nI ˛ 9 hmbv]Iƒ 31-03-09 -se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 9 + O…®… 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 9 ADVANCES (Contd.) As at 31-Mar-2009 As at 31-Mar-2008
kn II. C¥ybv°p ]pd-Øp≈ hmbv]I
- ƒ
M…) II. ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ + O…®… C. II. Advances outside India
i) _m¶n¬ \n∂pw Int´-≠Xv §…ÈEÚ…Â ∫…‰ |……{™… Due from banks C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
ii) a‰p-≈h - b- n¬ \n∂pw Int´-≠Xv +x™… ∫…‰ |……{™… Due from others C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
F) _n√p-Iƒ hmßn-bXpw UnkvIu≠v sNbvXXpw
B) GÚ“i… B¥…∆ §…]¬ı]ı…M…i…  §…±… a) Bills Purchased and Discounted C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
_n) kamlcn® hmbv] §…“) ∫……®…⁄ Ω˛EÚ @Òh… b) Syndicated loans C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
kn) a‰p≈h ∫…“) +x™… c) Others C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
D]-XpI ={… V……‰c Sub-Total C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
BsI V……‰c˜ Total 32710 92 94 28136 62 15
]´nI ˛ 10 ÿnc BkvXn-Iƒ
+x…÷∫…⁄S…“ - 10 ∫l……™…“ +…Œ∫i…™……ƒ
Schedule - 10 FIXED ASSETS
I. ]cn-kcw {… Æ˙∫…Æ˙ Premises
i) ap≥h¿jw am¿®v 31 se IW-°\ - p-kc- n-®p≈ sNehv
{…⁄¥…«¥…i…‘ ¥…π…« EÚ“ 31 ®……S…« EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ ±……M…i… {…Æ˙
At cost as on 31st March of the preceding year 64 51 19 63 85 75
ii) \S∏p-h¿j-Ønse h¿[-\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 83 37 65 44
iii) \Sp-∏p-h¿jØnse Ipdhv ¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ]ı… Ë i…™……ƒ
Deductions during the year 3 63 C√ E÷ÚUÙ x…Ω˛” Nil
iv) CXp-hs - c-bp≈ hne-bn-Sn-hv +ti…x… ®…⁄±™…ø…∫… Depreciation to date 24 94 81 40 36 12 22 68 80 41 82 39
II. a‰v ÿnc BkvXn-Iƒ
(^¿Wn-®dpw ÿmh-c-h-kvXp-°fpw Dƒs∏-sS)
+x™… ∫l……™…“ +…Œ∫i…™……ƒ (<x…®… °Úx…‘S…Æ˙ B¥…∆  °ÚC∫…S…Æ˙ ∫…Œ®®… ±…i… ΩÈ˛)
Other Fixed Assets (including Furniture and Fixtures)
i) ap≥h¿jw am¿®v 31 se IW-°\ - p-kc- n-®p≈ sNehv
{…⁄¥…«¥…i…‘ ¥…π…« EÚ“ 31 ®……S…« EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ ±……M…i… {…Æ˙
At cost as on 31st March of the preceding year 398 60 24 345 15 62
ii) \S-∏p-h¿j-Øn-ep-≠mb h¿[\
¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… Additions during the year 55 52 42 61 36 59
iii) \S-∏p-h¿j-Øn-se Ipdhv ¥…π…« E‰Ú n˘…ËÆ˙…x… EÚ]ı…Ë i…™……ƒ
Deductions during the year 23 26 32 7 91 97
iv) CXp-h-sc-bp≈ hne-bn-Snhv +ti…x… +¥…I…™…h… Depreciation to date 299 64 12 131 22 22 274 21 44 124 38 80
III. ]m´ BkvXn-Iƒ {…]¬ı]ı…EfiÚi… +…Œ∫i…™……ƒ Leased Assets
i) ap≥h¿jw am¿®v 31 se IW-°\ - p-kc- n-®p≈ sNehv-
{…⁄¥…«¥…i…‘ ¥…π…« EÚ“ 31 ®……S…« EÚ“ Œ∫l… i… E‰Ú +x…÷∫……Æ˙ ±……M…i… {…Æ˙
At cost as on 31st March of the preceding year 4 67 38 4 67 38
ii) \S-∏p-h¿j-Ønse h¿[\ ¥…π…« E‰Ú n˘…ËÆ˙…x… {… Æ˙¥…v…«x… Additions during the year C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
iii) \S-∏p-h¿j-Ønse Ipdhv- ¥…π…« E‰Ú n˘…ËÆ˙…x… EÚ]ı…Ë i…™……ƒ Deductions during the yearC√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
iv) C-Xp-hs- c-bp≈ hne-bn-Snhv +ti…x… +¥…I…™…h… Depreciation to date 4 67 38 C√ E÷ÚUÙ x…Ω˛” Nil 4 67 38 C√ E÷ÚUÙ x…Ω˛” Nil
BsI V……‰c˜ Total 171 58 34 166 21 19
56

IW-°pI-fpsS ]´nI tÉv _m¶v Hm^v {Smh≥Iq¿


±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)
]´nI ˛ 11 a‰v BkvXn-Iƒ 31-03-09 se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v
+x…÷∫…⁄S…“ - 11 +x™… +…Œ∫i…™……ƒ 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 11 OTHER ASSETS As at 31-Mar-2009 As at 31-Mar-2008
I. C‚¿ Hm^okv AUvPÃpsa‚pIƒ +xi…EÚ…™……«±…™… ∫…®……™……‰V…x…
Inter Office Adjustments (Net) 28 76 33 (210 19 72)
II. k©nX ]eni |……‰n¬˘¶…⁄i… §™……V… Interest accrued 392 70 62 409 75 17
III. ap≥Iq-dmbn AS® \nIp-Xnbpw D¤-h-Øn¬ \n∂p
Ipd® \nIp-Xnbpw (h-I-bn-cp-Ø-en\p tijw)
+ O…®… ∞¸{… ∫…‰ ∫…∆n˘k…/ª……‰i… {…Æ˙ EÚ…]ı… M…™…… EÚÆ (¥™…¥…∫l……+… EÚ…‰ P…]ı…EÚÆ˙)
Tax paid in advance/tax deducted at source (net of provisions) 121 35 46 121 16 52
IV. teJ\ kma-{Kn-Ifpw Ãmºp-Ifpw
±…‰J…x…-∫……®…O…“ +…ËÆ˙ ∫]Ë®{… Stationery and Stamps 2 91 76 3 25 07
V. Ah- I m- i - h m- Z - ß ƒ Xr]v X n- s ∏- S p- Ø n- b - X n- e qsS e`y- a mb _m¶nwKv
CXc Bkv X n- I ƒ n˘…¥…… EÚ“ ∫…∆i…÷Œπ]ı ®… + v…M…fiΩ˛“i… M…ËÆ˙ §…ÈEÚEÚ…Æ˙“ +…Œ∫i…™……ƒ
Non banking assets acquired in satisfaction of claims 24 99 25 84
VI. a‰p-≈h +x™… Others # 345 64 20 226 84 96
BsI V……‰c˜ Total 891 63 36 551 07 84
# Dƒs∏sS ∫… Ω˛i… Includes: am‰nshbv°s∏´ \nIpXn (A‰ BkvXn)
+…∫l… M…i… EÚÆ˙ +…Œ∫i… ( x…¥…±…)˜ Deferred Tax Assets (Net) 168 92 00 118 71 00

]´nI ˛ 12 BI-kvanI _m[y-X-Iƒ 31-03-09 -se IW-°-\p-k-cn®v 31-03-08 -se IW-°-\p-k-cn®v


+x…÷∫…⁄S…“ - 12 +…EÚŒ∫®…EÚ n‰˘™…i……Bƒ 31 ®……S…« 2009 EÚ“ Œ∫l… i… 31 ®……S…« 2008 EÚ“ Œ∫l… i…
Schedule - 12 CONTINGENT LIABILITIES As at 31-Mar-2009 As at 31-Mar-2008
I _m¶n-s\-Xn-sc-bp≈ Ah-Im-ih - m-Zß
- ƒ hmbv]b
- mbn
AwKo-I-cn-®n-´n-√m-Øh
§…ÈEÚ E‰Ú  ¥…Ø˚r˘ n˘…¥…‰,  V…xΩ² @Òh… E‰Ú ∞¸{… ®… ∫¥…“EÚ…Æ˙ x…Ω˛”  EÚ™…… M…™…… Ω˲
Claims against the Bank not acknowledged as debts 3 99 37 7 24 11
II `mKnIambn AS®p Xo¿Ø \nt£]ßfnt∑ep≈ _m[yX
 x…¥…‰∂…… EÚ…‰ |…n˘k… +∆∂…EÚ… ±…EÚ n˘… ™…i¥…
Liability for partly paid investments C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
III _m°n-\n-ev]p≈ ap≥Iq¿ hn\n-ab Icm-dnse _m[yX
§…EÚ…™…… ¥……™…n˘…  ¥… x…®…™… ∫…∆ ¥…n˘…+…Â E‰Ú EÚ…Æ˙h… n˘… ™…i¥…
Liability on account of outstanding forward exchange contracts 9667 55 00 13182 50 75
IV _m°n-\n-ev]p≈ H‰ Id≥kn ]eni \nc°v kzm]v Icm-dns‚
_m[yX §…EÚ…™…… BEÚ±… EÚÆÂ˙∫…“ §™……V… n˘Æ˙ ∫¥…Ë{… EÚÆ˙…Æ˙ E‰Ú EÚ…Æ˙h… n˘…˘ ™…i¥…
Liability on account of outstanding single currency 140 00 00 240 00 00
interest rate swap contracts
V CS-]m-Sp-Im¿°v th≠n sImSpØ Kmc-≠n-Iƒ ∫…∆P…]ıEÚ…Â EÚ“
+…‰Æ˙ ∫…‰ n˘“ M…<« M……Æ∆˙ ]ıı™……ƒ Guarantees given on behalf of constituents
i) C¥ybv°IØv- i) ¶……Æ˙i… ®…Â i) In India 2670 68 67 2022 35 62
ii) C¥ybv°v ]pdØv ii) ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ ii) Outside India 53 15 56 3 15
VI kzoIm-chpw F≥tUm-gvkvsa‚p-Ifpw a‰p _m[y-X-Ifpw
|… i…O…Ω˛h…, {…fiπfi `ˆ…E∆ Úx… +…ËÆ˙ +x™… §……v™…i……B∆
Acceptances, endorsements & other obligations 208 767 76 1735 89 40
VII hnhmZ BZm-b\ - n-IpXn _m[yX
 ¥…¥……n˘O…∫i… +…™… EÚÆ˙ n‰˘™…i…… Disputed Income Tax liability 108 77 83 169 29 22
VIII _m¶n\v BI-kvanI _m[yX D≈ a-‰n-\ß - ƒ
+x™… ®…n¢,  V…x…E‰Ú  ±…B §…ÈEÚ +…EÚŒ∫®…EÚ ∞¸{… ∫…‰ =k…Æ˙n˘…™…“ Ω˲
Other items for which the Bank is contingently liable 96 42 7 93 02
BsI V……‰c˜ Total 14732 80 61 17365 25 27
hkqemt°≠ _n√pIƒ ¥…∫…⁄±…“ Ω‰˛i…÷  §…±…˜ Bills for collection 1735 45 91 1553 10 03
57

]´nI ˛ 13 B¿÷nX ]eni 31 am¿®v 2009 \v 31 am¿®v 2008 \v


+x…÷∫…⁄S…“ - 13 +ÃV…i… §™……V… kam-]n® h¿jw kam-]n® h¿jw
Schedule - 13 INTEREST EARNED 31 ®……S…« 2009 EÚ…‰ ∫…®……{i… ¥…π…« 31 ®……S…« 2008 EÚ…‰ ∫…®……{i… ¥…π…«
For the year ended For the year ended
31st March 2009 31st March 2008
I hmbv]I
- f
- nse / _n√p-If
- nse ]eni / Ingnhv
+ O…®…… /  §…±…… {…Æ˙ §™……V… /  ®…i…“EÚ…]ı…
Interest / Discount on Advances / Bills 3173 39 89 2596 44 50
II apX¬apS-°p-If - n¬ \n∂p≈ hcp-am\w
 ¥… x…v……x……Â {…Æ˙ +…™… Income on Investments 857 46 45 765 96 60
III `mc-Xob dnk¿∆v _m¶nse \o°n-bn-cn∏ns‚bpw
a‰p _m¶p-Iƒ XΩn-ep≈ ^≠p-If
- n-sebpw ]eni
¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ E‰Ú + i…∂…‰π…… +…ËÆ˙ +x™… +∆i…Æ˙-§…ÈEÚ  x… v…™…… {…Æ˙ §™……V…
Interest on balances with Reserve Bank of India
and other inter-bank funds 18 83 50 16 67 13
IV a‰p-≈h +x™… Others 73 45 31 55 02 41
BsI V……‰c˜ Total 4123 15 15 3434 10 64
]´nI ˛ 14 a‰p hcp-am\w
+x…÷∫…⁄S…“ - 14 +x™… +…™…
Schedule-14 OTHER INCOME
I. IΩo-j≥, hn\n-abw & Z√mƒ]Sn
EÚ®…“∂…x…,  ¥… x…®…™… +…ËÆ˙ n˘±……±…“
Commission, Exchange & Brokerage 311 84 79 310 16 54
II. apX¬ap-S-°p-I-fpsS hnev]-\-bn-ep≈ em`w
 ¥… x…v……x……Â E‰Ú  ¥…GÚ™… {…Æ˙ ±……¶…
Profit on sale of investments 144 70 60 42 92 85
Ipd-bv°pI ˛ apX¬ap-S-°p-I-fpsS
hnev]\- b
- nse \jvSw
 ¥… x…v……x……Â E‰Ú  ¥…GÚ™… {…Æ˙ Ω˛… x… EÚ…‰ P…]ı…EÚÆ˙
Less: Loss on sale of Investments C√ E÷ÚUÙ x…Ω˛” Nil 144 70 60 C√ E÷ÚUÙ x…Ω˛” Nil 42 92 85
III. apX¬apS-°p-If
- psS ]p\¿aq-ey-Ønse em`w
 ¥… x…v……x…… E‰Ú {…÷x…®…⁄±« ™……∆EÚx… {…Æ˙ ±……¶…
Profit on revaluation of investments C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
Ipd-bv°pI ˛ apX¬apS-°p-I-fpsS
]p\¿aq-ey-Ø
- nse \jvSw
 ¥… x…v……x…… E‰Ú {…÷x…®…⁄±« ™……∆EÚx… {…Æ˙ Ω˛… x… EÚ…‰ P…]ı…EÚÆ˙
Less : Loss on revaluation of Investments C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil C√ E÷ÚUÙ x…Ω˛” Nil
IV. hn‰-t∏mƒ D≠mb em`w
¶…⁄ ®…, ¶…¥…x…… +…ËÆ˙ +x™… +…Œ∫i…™…… E‰Ú  ¥…GÚ™… {…Æ˙ ±……¶…
Profit on sale of land, buildings & other assets (37 34) 37 71
Ipd-bv°pI ˛ `qan, sI´nSw, a‰v BkvXn-Iƒ
F∂nh hn‰-t∏mƒ D≠mb \jvSw
¶…⁄ ®…, ¶…¥…x…… +…ËÆ˙ +x™… +…Œ∫i…™…… E‰Ú  ¥…GÚ™… {…Æ˙ Ω˛… x… EÚ…‰ P…]ı…EÚÆ˙
Less : Loss on sale of land, buildings & other assets 16 57 (20 77) 15 47 22 24
V. hn\n-ab CS-]m-Snse (s\‰v Hm^v temkv) em`w
 ¥… x…®…™… ∫…∆¥™…¥…Ω˛…Æ˙…Â {…Æ˙ ±……¶… (Ω˛… x… EÚ…‰ P…]ı…EÚÆ˙)
Profit (net of loss) on exchange transactions 48 70 70 53 27 75
58

IW-°pI-fpsS ]´nI tÉv _m¶v Hm^v {Smh≥Iq¿


±…‰J…… EÚ“ +x…÷∫…⁄ S…™……ƒ ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
STATE BANK OF TRAVANCORE
SCHEDULES TO ACCOUNTS
(cq] BbncØn¬ Ø˚. Ω˛V……Æ˙ ®…Â Rs. in thousand)
]´nI ˛ 14 a‰p hcp-am\w 31 am¿®v 2009 \v 31 am¿®v 2008 \v
+x…÷∫…⁄S…“ - 14 +x™… +…™… kam-]n® h¿jw kam-]n® h¿jw
Schedule-14 OTHER INCOME (Contd.) 31 ®……S…« 2009 EÚ…‰ ∫…®……{i… ¥…π…« 31 ®……S…« 2008 EÚ…‰ ∫…®……{i… ¥…π…«
For the year ended For the year ended
31st March 2009 31st March 2008
VI. hntZ-itØm/ C¥y-bntem D≈ D]mwK߃/
Iº-\n-Iƒ/ Iq´p-kw-cw-`ß
- ƒ F∂n-hb
- n¬ \n∂p≈/
em`-hoXw aptJ\ e`n® hcp-am\w
 ¥…n‰˘∂…/¶……Æ˙i… ®… ∫l…… {…i… ∫…®…x…÷π…∆ M…™……Â/E∆Ú{… x…™…… +…ËÆ˙/™…… ∫…Ω˛
=t®…… ∫…‰ ±……¶……∆∂… +… n˘ E‰Ú ∞¸{… ®… +ÃV…i… +…™…
Income earned by way of dividends, etc. from subsidiaries/
companies and/or joint ventures abroad/in India 2 07 33 5 67 03
VII. ]e-hI hcp-am\w |…EÚ“h…« +…™… Miscellaneous Income 65 97 00 26 48 84
BsI V……‰c˜ Total 573 09 65 438 75 25

]´nI ˛ 15 sNe-hm-°nb ]eni


+x…÷∫…⁄S…“ - 15 ¥™…™…  EÚ™…… M…™…… §™……V…
Schedule - 15 INTEREST EXPENDED

I \nt£-]ß
- f
- nse ]eni
 x…I…‰{…… {…Æ˙ §™……V… Interest on Deposits 2496 34 50 2161 03 21
II `mc-Xob dnk¿∆v _m¶v / _m¶p-Iƒ XΩn-ep≈
ISw hmß-ense ]eni
¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ/+∆i…Æ˙-§…ÈEÚ =v……Æ˙… {…Æ˙ §™……V…
Interest on RBI/Inter-Bank Borrowings 19 44 16 10 73 76
III a‰p-≈h +x™… Others 324 81 41 305 05 46
BsI V……‰c˜ Total 2840 60 07 2476 82 43
59

31 am¿®v 2009 \v 31 am¿®v 2008 \v


]´nI ˛ 16 {]h¿Ø\ sNehv kam-]n® h¿jw kam-]n® h¿jw
+x…÷∫…⁄S…“ - 16 {… Æ˙S……±…x… ¥™…™… 31 ®……S…« 2009 EÚ…‰ ∫…®……{i… ¥…π…« 31 ®……S…« 2008 EÚ…‰ ∫…®……{i… ¥…π…«
Schedule -16 OPERATING EXPENSES For the year ended For the year ended
31st March 2009 31st March 2008

I Poh-\-°m¿°v ]Ww sImSp-°epw hI-bn-cp-Ø-ep-Ifpw


EÚ®…«S…… Æ˙™……Â EÚ…‰ ¶…÷M…i……x… +…ËÆ˙ =∫…EÚ… |……¥…v……x…
Payments to and Provisions for Employees 487 84 61 415 62 32
II hmS-I, \nIp-Xn, sshZypXn
¶……b√˜…, EÚÆ˙ +…ËÆ˙  §…V…±…“ Rent, Taxes & Lighting 67 94 65 55 34 77
III A-®-Snbpw teJ-\-km-a-{Kn-bpw
®…÷p˘h… +…ËÆ˙ ±…‰J…x…-∫……®…O…“ Printing & Stationery 8 02 31 7 34 95
IV ]c-kyhpw {]Nm-cW - hpw
 ¥…Y……{…x… +…ËÆ˙ |…S……Æ˙ Advertisement and Publicity 3 99 25 2 48 02
V _m¶ns‚ kzØn-t∑-ep≈ hne-bn-Snhv
§…ÈEÚ EÚ“ ∫…∆{… k… {…Æ˙ +¥…I…™…h…
Depreciation on Bank’s Property 41 33 99 48 25 28
VI Ub-dI- vS¿am-cpsS ^okv, _Ø-Iƒ, sNe-hp-Iƒ
 x…n‰˘∂…EÚ…Â EÚ“ °Ú“∫…, ¶…k…‰ +…ËÆ˙ ¥™…™…
Directors’ Fees, Allowances and Expenses 31 94 17 04
VII HmUn-‰¿am-cpsS ^okpw sNe-hp-Ifpw
±…‰J…… {…Æ˙“I…EÚ…Â EÚ“ °Ú“∫… B¥…∆˙ ¥™…™…
Auditors’ Fees & Expenses 12 45 56 10 47 18
VIII \nba \S-]Sn sNe-hp-Iƒ
 ¥… v… |…¶……Æ˙˙ Law charges 4 93 79 3 10 80
IX X]m¬, Iºn-hm¿Ø-Iƒ, Zqc-`m-j-W-b-{¥-߃ F∂nh
b˜…EÚ ®…Ω˛∫…⁄±…, i……Æ˙, ]‰±…“°Ú…‰x…, +… n˘
Postage, Telegrams, Telephones, etc. 5 93 11 3 52 73
X tISp-t]m-°-ep-Ifpw A‰-Ip-‰-∏-Wn-Ifpw
®…Æ˙®®…i… +…ËÆ˙ +x…÷Æ˙I…h… Repairs and Maintenance 11 37 16 9 37 29
XI C≥jq-d≥kv §…“®…… Insurance 37 59 09 32 62 56
XII a‰p sNehv +x™… ¥™…™… Other Expenditure 117 61 94 98 61 29
BsI V……‰c˜ Total 799 37 40 686 94 23
60

]´nI 17 3. \nt£]߃ (Xt±iobw)


{][m-\s- ∏´ IW-s°-gpØp \nt£]ßfpsS IW°pIƒ kq£n°p∂Xv \nb{¥Wm
\b-߃ - 2008-09 [nIcnIfpsS hyhÿm]nXamb am¿§\n¿t±ißf\p
kcn®mWv. \nt£]ßfpsS IW°pIƒ kq£n°m≥ _m¶v
1. s]mXp-XXzw
CtXmS\p_‘n®p≈ kmºØnI hnhcW߃ ]n≥XpScp∂Xv “{Sm≥km£≥ XobXn” coXnbmWv.
Imem\pkrX hne ASnÿm\am°nbpw t`ZKXn 3.1 h¿KoIcWw
hcpØnbn´p≈ hntZi \mWb CS]mSpIfpw C≥Uybn¬ \nt£]ßsf aq∂mbn XcwXncn®ncn°p∂p. Ah Imeh[n
s]mXpsh AwKoIcn°s∏´n´p≈ A°u≠nwKv XXzßfpsS hsc kq£n°p∂h, hnev ] \bv ° mbp≈h, hym]mc
bpw Xmsg∏dbp∂h Dƒs∏Sp∂ \nba]camb hI Øn\mbn kq£n°p∂, F∂nßs\bmWv. Hmtcm hn`mK
bncpØepIƒ, \nb{¥Wm[nImcnIfpsS \n¿t±i߃, Ønepap≈ \nt£]ßsf _m°n ]{XØn¬ Xmsg]dbp∂
dnk¿∆v _m¶v Hm^v C≥Uy C≥Ãn‰yq´v Hm^v Nm¿t´Uv Bdv h¿§ßfmbn ho≠pw XcwXcn®ncn°p∂p.
A°u≠‚ v Hm^v C≥UybpsS IW°v \nehmcßfpw  k¿°m¿ skIyqcn‰nIƒ  a‰v AwKoIrX
am¿§\n¿t±i tcJIfpsSbpw C≥Uybn¬ _m¶nwKv skIyqcn‰nIƒ  HmlcnIƒ  Un_©dpIfpw
hyhkmbØn¬ \ne\n¬°p∂ ]XnhpIƒ°\pkrX t_m≠pIfpw  klmwK߃/kwbp‡ kwcw`߃
ambmWv Xømdm°nbn´p≈Xv.  a‰p≈h (Itagvky¬ t]∏dpIƒ, aq®z¬ ^≠pIƒ,
2. hntZ-i-hn-\n-a-b-hp-ambn _‘s∏´ bqWn‰pIƒ apXembh)
CS-]m-Sp-Iƒ 3.2 h¿KoIcWØns‚ ASnÿm\w
2.1 hntZi Id≥kn-bn¬ hn\nabw sNbvX [\-]-c-amb _m¶v Imemh[nhsc kq£n°m≥ Dt±in°p∂
BkvXn _m[y-X-Iƒ, BkvXn_m[yXm ]{Xw Xob-Xn°v \nt£]ßsf “]q¿ÆImemh[nhsc ssIhiw hbv°p∂”
{]m_eyØnep≠mbncp∂ t^mdn≥ FIvkvtN©v Uotegvkv hbmbn XcwXncn®ncn°p∂p. 90 ZnhkØn\Iw
Atkm-kn-tb-j≥ Hm^v C¥y (s^-Um-bv) bpsS \nc-°n¬ ]p\¿hn{Ibbpw sNøm\pt±in®v sshIhiw hbv°p∂
]cnh¿Ø\w sNøs∏´ncn°p∂p. \nt£]ßsf “hym]mcmhiyØn\mbn ssIhiw
2.2 Kymc-≠n-Iƒ, ]Icap≈ se‰¿kv Hm^v s{IUn‰v, se‰¿kv hbv°p∂h” F∂v Xcw Xncn®ncn°p∂p.
Hm^v s{IUn‰v, ]eni \n-c°v kzm]vkpIƒ, t^m¿thUv td‰v ta¬∏d™ c≠phn`mKßfnepw Dƒs∏SmØ \nt£]ßsf
IcmdpIƒ, hntZi Id≥kn Hm]v j ≥, t^m¿thUv “hnev]\bv°mbp≈h” F∂v Xcw Xncn®ncn°p∂p.
FIvkvtN©v IcmdpIƒ F∂nh BkvXn _m[yXm ]{X-
Znh-kØ- n¬ {]m_eyØnep≠mbncp∂ s^Umbn \nc-°n¬ \nt£]ßsf ta¬∏d™ aq∂phn`mKßfmbn
]cnh¿Ø\w sNøs∏´ncn°p∂p. XcwXncn®ncn°p∂Xv Ah hmßp∂ kabØmWv ]n∂oSp≈
AhbpsS XcwXncn°¬ \nb{¥Wm[nImcnIfpsS
2.3 hchp sNe-hp-Iƒ IW-°m-°n-bn-cn-°p-∂Xv _‘-s∏´ \n¿t±i߃°\pkrXambncn°pw.
CS- ] m- S p- I ƒ \S- Ø nb Znh- k Øn¬ {]m_eyØnep
≠mbncp∂ hn\n-ab \nc°p {]Im-c-am-Wv. hntZicmPy 3.3. hne \n¿Æbw
ßfn¬ \SØnbn´p≈, hntZi\mWy \nt£]ßfnt∑¬ (i) Hcp \nt£]Øns‚ B¿÷n°p∂Xn\p≈ Nnehv
e`n°m\p≈ B¿PnX]eni, Bkv X n _m[yXm IW°m°p∂Xv
]{XØobXnbn¬ s^Umbv \nc°p {]Imcw ]cnh¿Ø\w F. Nnehn¬ \n∂pw hcnkwJy°p e`n® t{_m°tdPv /
sNbvXp IW°m°nbncn°p∂p. IΩoj≥ F∂nhsb Ipdbv°p∂p.
_n. \nt£]߃ B¿÷n°p∂Xn\mbn sImSp°p∂
2.4 s^Umbv am¿§\n¿t±ia\pkcn®v _m°n \n¬°p∂
Hmtcm Id≥knbpsSbpw ap≥Iq¿ hn\nab IcmdpIƒ t{_m°tdPv / IΩoj≥ F∂nh dh\yqhn¬
BkvXn_m[yXm]{XØobXnbn¬ XØpeyamb ap≥Iq¿ Dƒs∏SpØpIbpw Nnehn¬ \n∂pw am‰pIbpw
Icm¿ \nc°pIf\pkcn®p≈ IcmdpIfpsS Imemh[n sNøp∂p.
]q¿ØnbmIp∂ {IaØn¬ ]p\¿aqeyw sNøs∏´ncn°p∂p. kn. EW{]amWßfn¬ \n∂pw sImSp°p∂Xpw
]p\¿aqeyw sNbvX XpIbpsSbpw Icm¿ XpIbpsSbpw e`n°p∂Xpamb JfinXIme ]enisb
hyXymkw Hmtcm CS]mSns‚bpw ÿnXnb\pkcn®v em`tam, ]enihcpam\amtbm Nnehmtbm IW°m°p∂Xpw
\„tam Bbn hIsIm≈n°s∏Sp∂p. hnev ] \Nnehns‚ ]cnKW\bn¬ \n∂pw
Hgnhm°p∂XpamWv
2.5 _m°n \n¬°p∂ Id≥kn Hm]v j \pIfn¬ Un. Nnehv IW°m°p∂Xv shbn‰Uv BhtdPv tImÃv
kzoIcn®tXm AS®tXm Bb {]oanbw IW-°m-°n-bn-cn-°p-
coXnbnemWv
∂Xv s^Umbv am¿§-\n¿t±-i-ßf\p-k-cn-®m-Wv.
Cu. Hcp \nt£]sØ ta¬∏d™ aq∂v hn`mKßfnsem∂n
61

tesX¶nepw hn`mKØn¬ IW°m°p∂Xn\v BbXv Izt´-j\- p-Iƒ e`y-a√


- m-Øh- bv°pw hne ]d-bmØ Hml-cn-
amdp∂ Znhkw AXns‚ B¿÷nX Nnehv /_p°v hne/ Iƒ°pw (i) Iº-\n-bpsS G‰hpw HSp-hn-esØ _me≥kv
Itºmf hne Chbn¬ G‰hpw Ipd™Xmbncn°pw jo‰v {]Im- c - a p≈ (do- h m- e yp- t h- j ≥ dnk¿hp- I ƒ
IW°nseSp°pI. Cu AhkcØn¬ aqeytimjWw GsX¶nepap-s≠-¶n¬ Ahsb ]cn-KW - n-°msX) _p°p
A\p`s∏Sp∂ps≠¶n¬ AXv apgph\mbpw hmeyp {]Im-ca- p≈ hne (ii) G‰hpw HSp-hn-esØ _me≥kv
hIbncptØ≠XmWv. jo‰v e`y-a√- mØ kml-Nc- y-Øn¬ Hmtcm Iº-\n-bp-sSbpw
(ii) {Sjdn_n√pIƒ, k¿´n^n°‰v Hm^v sUt∏mkn‰vkv Hml-cn-bpsS hne 1/˛ cq]-bmbn IW-°m-°p-∂p.
sImtajy¬ t]∏¿ F∂nhbpsS hne IW°m°p∂Xv * t_m≠p-Ifpw IS-∏-{X-ßfpw: FIMMDA bpsSbpw PDAI
IymcnbnMv tImÃv coXnbnemWv. bpsSbpw ASn-ÿm-\Ø - n¬ YTM coXn-bn-eqsS t_m≠p-
(iii) Imemh[nhsc ssIhiwhbv°p∂ hn`mKw I-fp-sSbpw IS-∏-{X-ß-fp-sSbpw saNyq-cn-‰nbpw td‰nwKpw
Cu hn`mKØnse Hmtcm \nt£]hpw B¿÷n°phm≥ IW-°m-°p-∂p.
th≠n apJhne°v ta¬ {]Xn^ew sImSpØp * ayqNz¬ ^≠v bqWn- ‰ p- I ƒ: hne ]d™ ayqNz¬
hmßnbXmsW¶n¬ AhXpSßp∂Xv B¿÷nX Nnehv ^≠nse apX¬ apS-°p-Iƒ / ayqNz¬ ^≠p-Iƒ {]Jym-
As√¶n¬ EW tamN\Nnehns‚ ASnÿm\Øn¬ ]n® s\‰v Ak‰v hmeyq-hns‚ ASn-ÿm-\Ø
- n¬ hn]-Wn-
IW°m°p∂XmWv . Cßs\ {]Xn^ew sImSpØn´p hne IW-°m°nbn-cn-°p-∂p.
s≠¶n¬ AXv \nt£]Øns‚ _m°nbp≈ Imemh[nhsc
* {Sjdn _n√p-Iƒ Iymcn-bnwKv tImÃn¬ aqey-\n¿Wbw
ÿnc BZmb coXnbn¬ \ne\ndpØp∂XmWv. C{]Imcap≈
sNbvXn-cn-°p-∂p.
“Atam¿ss´kvUv {]oanbsØ” \nt£]ßfnt∑ep≈ ]eni
F∂ coXnbn¬ IW°n¬ {Ias∏SptØ≠XmWv. * ap≥K-W\ Hml-cn-I-fpsS aqeyw \n¿Æ-bn-®n-cn-°p-∂Xv
YTM (Im-em-h[n ]q¿Øn-bm-°p-tºm-gp≈ BZm-bw) {]Im-
sl¬Uv Sp sa®ypcn‰n hn`mKØn¬s∏Sp∂ \nt£]ßfpsS
c-ap≈ G‰hpw Ipd™ Itºm-fh - n-ebpw aS-°n \¬Ip-
hnev]\bn¬ \n∂p≈ em`w hcpam\ambn IW°m°n
tºm-gp≈ hne-bp-sSbpw ASn-ÿm-\Ø - n-em-Wv.
\nIpXn Ign® aqe[\IcpXenepw ]cnKWn®v \nbam\pkrX
IcpXente°v am‰s∏tS≠XmWv. ta¬]d™ c≠p XcØnepffXpamb HmtcmskIyqcn‰nbpw
iv) hn¬]\°mbpffhbpw hn]W\Øn\mbn ssIhiw Itºmfhnet°m ]p\¿ aqey \n¿Wbw XpSßn Hmtcm
h®ncn°p∂hbpw hn`mKØntebpw Hmtcm {Kq∏pIfntebpw A‰aqey
timjWhpw IW°m°n hIbncptØ≠Xpw A‰
’hn¬]\°mbpffhbmb’ \nt£]ßfpsS Itºmf hne aqeyh¿≤\hv AhKWn°mhp∂XmWv , aqeytimjW
dnk¿∆v _m¶v Hm^v C≥UybpsS Xmsgs°mSpØncn°p∂ Øn\pff hIbncpØen¬ Hmtcm \nt£]Øns‚bpw _p°v
am¿§ \n¿t±i߃°\pkrXamWv. hmeyq Chsb “am¿°v Sp am¿°‰v” F∂ coXnbnem°nbn´pw
am‰an√msX XpScp∂XmWv.
* tI{µ-Kh - ¨sa‚ v skIyq-cn-‰n-Iƒ: ^nIvkvUv C≥Iw aWn
am¿°‰pw sUdn-th-‰ohvkv At m-kn-tb-j≥ Hm^v C¥y v) Ak‰v doI¨kv{S£≥ Iº\nIƒ (AEC) \¬Ip∂
(FIMMDA) bpw, ss{]adn Uotegvkv At m-kn-tb-j≥ skIyqcn‰n ckoXpIfpsS hne \n¿Wbw \SØp∂Xv t\m¨
Hm^v C¥ybpw (PDA1) kwbp-‡a- mbn {]Jym-]n® hne- SLR \nt£]߃°v B[mcam°nbn´pff am¿§\n¿t±i
bpsS ASn-ÿm-\Ø - n¬ hn]Wn hne-bv°\ - p-kc- n®p {Iao- ßf\pkcn®mWv.
I-cn-®n-´p-≠v. vi) Xmsg]dbp∂ RBI bpsS am¿§\n¿t±ißf\pkcn®v
* kwÿm\ k¿°m¿ skIyq-cn‰nIfpw a‰p {SÃo skIyq- \nt£]ßsf “s]¿t^manwKv F∂pw” “t\m¨
cn-‰n-Ifpw: X’w-_‘ - a- mb sa®q-cn-‰n-If
- n¬ \n∂p≈ {]Xn- s]¿t^manwKv” F∂pw XcwXncn®n´p≠v.
em-`sØ ASn-ÿm-\a- m°n IW-°m-°nb hne-bpsS ASn- (a) ]enitbm/XhWItfm (Imemh[nsbØnbh Dƒs∏sS)
ÿm-\Øn¬ FIMMDA bpw PDA1 bpw kwbp-‡a- mbn ASbv°msX 90 ZnhkØn\pw ta¬ IpSninI h∂m¬.
{]Jym-]n® hnesb B[m-ca- m°n hn]Wnhnebv°v A\p- (b) CIzn‰n Hml-cn-Isf kw_-‘n-®n-St- Øm-fw, GsXmcp Iº-
k-cn®p {Iao-I-cn-®n-´p-≠v. \n-bp-sSbpw Hml-cn-bn¬ \nt£-]n-°p∂ ]£w, G‰hpw HSp-
Hml-cn-Iƒ: tÃm°v FIvkvtN©v Izt´-j\
- p-Iƒ e`y-am- hn-esØ _me≥kv jo‰v e`y-as- √-¶n¬, aqeyw 1/˛ cq]-bmbn
b-hbv°v t_mwt_ tÃm°v FIvkvt- N©v / \mj-W¬ IW-°m-°s- ∏-Sp-∂X - m-Wv. {]kvXpX CIzn‰n Hml-cnIƒ NPI
tÃm°v FIvkvtN©v Izt´-j-\p-I-fn¬ GXmtWm Ipd- Bbn ]cn-KW - n-°s- ∏-Spw.
hv , AXp {]Imcw hne \n¿W- b n- ° p- ∂ p. Id‚ v (c) Hmlcn ]pd-s∏-Sp-hn-°p∂ Iº\n D]-tbm-K-s∏-Sp-Ønb
62

GsX-¶nepw hmbv]m kuIcyw _m¶ns‚ IW-°p-If - n¬ NPA d) hntZi Id≥knbnse ]eni\nc°v kzm]vkpIfnep≈
BsW-¶n¬, {]kvXpX Iº\n ]pd-s∏-Sp-hn® GsX-¶nepw am‰ßƒ aqew ImemImeßfnep≠mIp∂ A‰]W{]hmlw
- n-ep≈ GsXmcp \nt£-]hpw NPI Bbpw t\tc
skIyq-cn-‰n-If hchv/sNehv Bbn IW°n¬ sIm≈n°pIbpw, hntZi
adn®pw ]cn-KW - n-°s- ∏-Sp-∂X
- m-Wv. \mWy hn\nabØn¬, hn\nab \nebpsS `mKam°pIbpw
(d) \n›nX em`-hn-lnXw \¬ImØ {]n^-d≥kv Hml-cn-Isf sNbvXncn°p∂p.
kw_-‘n®pw apI-fn¬ ]d™ Imcy-߃ Bh-iy-amb t`Z- e) BkvXn _m[yX ]{X Znh-kØ - n¬ \ne-hn-ep≈ s^Umbv
K-Xn-I-tfmsS _m[-I-am-°p-∂-Xm-bn-cn-°pw. \nc-°n¬ ]en-i-\n-c°v kzm]vkpw hntZiId≥knIfpsS
(e) hmbv]I
- f
- psS kz`m-ha- p-≈X - mbn IW-°m-°s- ∏-Sp∂ IS- t^m¿thUv \nc°pIfnep≈ DSºSnIfpw aqey-\n¿Wbw
∏-{X-ßfnepw t_m≠p-If - n-ep-ap≈ \nt£-]ß - f
- pw, \nt£-]- sNøv X v in- j v S - ÿ n- X nsb BIkv a nI _m[yXbmbn
߃°p _m[-Ia- mb NPI am\-ZW - vUß
- ƒ°p hnt[-ba- m-bn- IW°m°nbncn°p∂p.
cn-°pw. (f) Snb¿ I /II t_m≠p-Isf kw_-‘n® kzm]v CS-]m-Sp-If - n¬
\n∂p≈ em`w / \jvSw sht∆sd IW-°m-°s- ∏-Sp-∂p. \jvSw
(f) dnt∏m, dnthgvkv dnt∏m CS-]m-Sp-Iƒ (RBI˛bp-ambn enIzn-
Ds≠-¶n¬ AXn\p ]q¿W-ambpw hI-bn-cp-Øn-bn-´p-≠v. ]p\x-
Un‰n AUvPÃ - p-a‚ v s^kn-en-‰n°p ˛ LAF ˛ Iogn-ep≈ CS-
{I-ao-I-c-W-Øntem hnev]-\-bntem \n∂p≈ em`w hcp-am-\-
]m-Sp-I-sfm-gnsI IW-°p-Iq-´p-∂-Xn\v dnk¿hv _m¶v \n¿tZ-
ambn IW-°m-°n, \nIp-Xn-°p≈ kvs]jy¬ dnk¿hn¬ hI-
in-®n-´p≈ bqWnt^mw A°u-≠nwKv coXn-bmWv _m¶v kzoI-
sIm-≈n®v \nb-am-\p-kr-Xa- p≈ Ãm‰yq-´dn dnk¿hn-te°p am‰p-
cn-®n-´p-≈-Xv. AXn≥{]-Im-cw, dnt∏m/dnthgvkv dnt∏m-bpsS
∂p.
Iogn¬ hn‰/hmßnb skIyq-cn-‰n-Isf t\cn-´p≈ hnev]\ - I
- ƒ/
hmß-ep-Iƒ Bbn ]cn-KW - n-°p-Ibpw dnt∏m/dnthgvkv dnt∏m 4. hmbv]-Iƒ
A°u-≠p-If - n¬ Dƒs∏-Sp-Øp-Ib - pw, Imem-h[
- n-sb-Øp-tºmƒ
4.1 B¿.-_n.-sF.-bpsS \n¿t±-i-ßfpw am¿§-\n¿t±-i-ß-fp-a-
F≥{Sn-I-fn¬ am‰w hcp-Øp-Ibpw sNøp-∂p. sNe-hp-Ifpw
\p-k-cn®v F√m hmbv]-Ifpw \mev C\-ß-fn-embn C{]Imcw
hc-hp-Ifpw ]en-ib - n-\Ø
- nse sNehpw hc-hp-ambn IW-°n-
Xcw-Xn-cn-®n-cn-°p∂p (i) \ne-hmc BkvXn-Iƒ (ii) \ne-hmcw
epƒs∏-Sp-Øp-∂p. dnt∏m/dnthgvkv dnt∏m A°u-≠nse
Ipd™ Bkv X n- I ƒ (iii) kwi- b m- k v ] Z Bkv X n- I ƒ
_m°n, C≥shÃp-sa‚ v A°u-≠nse \o°n-bn-cn-∏n¬ hI-
(iv) \jvS BkvXn-Iƒ.
h-bv°p-∂p.
(g) dnk¿hv _m¶p-am-bp≈ LAF ˛\p Iogn¬ hmßp-∂/ 4.2 BkvXn_m[yX ]{XØn¬ ImWn-®n-cn-°p∂ hmbv]-Iƒ
hn¬°p∂ skIyq-cn-‰n-Iƒ \nt£] A°u-≠n¬ Dƒs∏-Sp- Xmsg ]dbp∂h Ipdhp sNbvX tijap≈XmWv.
Øp-Ibpw Imem-h-[n-bm-Ip-tºmƒ F≥{Sn-I-fn¬ am‰w hcp- (a) \njv{Inb BkvXn-Iƒ (NPAs)°p≈ hI-bn-cp-Ø-ep-Iƒ
Øp-IbpamWp sNøp-∂-Xv. AXn\p \¬In-btXm AXn¬ (b) \njv{Inb BkvXn-Ifn¬ hkqem°mØ ]eni BZmbw
\n∂p e`n-®tXm Bb ]en-i, sNehv/hchv C\-Øn¬ Dƒs∏- (c) IDBI/SIDBI bpambn ]p\¿Un- k v I u≠v \S- Ø nb
Sp-Øp-∂p. _n√pIƒ
3.4 ]en- i - \ n- c - ° v kzm]v k pw, t^m¿thUv (d) e`n® s¢bnapIƒ
\nc°nep≈ DSºSnIfpw (Interest Rate Swaps and (e) ]p\xkwLSn∏n® BkvXnIfpsS \ymbhnenbnep≈
Forward Rate Agreements) Ipdhv
a) ]en-i-\nc°p kzm]vkpw t^m¿thUv \nc°v DSºSnIfpw 4.3 B¿.-_n.-sF.-bpsS \n¿t±-i-ßfpw am¿§-\n¿t±-i-ßfpw
slUv P v (hedge) Bhiy߃°pth≠n am{Xw A\p-kc- n®v Xmsg ]d-bp∂ hyh-ÿI- f
- n¬ hmbv]I
- f
- n≥ta¬
FSpØn´p≈XmWv . X∑qew B¿PnX coXnbnemWv hI-bn-cp-ج IW-°m-°n.
]W{]hmlw IW°nseSpØn´p≈Xv. hyXymkw apJy
(a) \nehmcap≈ BkvXnIƒ°v
aqeyØnte°v (Notional Principal Value) am‰nbn´p≠v.
i) Irjn°pw SME taJebv°pw {]Xy£ hmbv]bpsS --
b) Imem-h[n ]q¿Øn-bm-Ip-∂X - p-hsc XpS-cp-hm≥ A\p-hZ- n- 0.25%
°s∏´n´p≈ slUvPv t]m¿´p-t^m-fntbm Npcp-ßn-h-cp∂
ii) as‰√m hmbv]Iƒ°pw - 0.40%
kml-N-cy-Øn¬ `mKn-I-amtbm apgp-h-\mtbm A\mhrX
amIpIbmsW¶n¬, AXv IrXy-amb CS-th-fI - f
- n¬ CXns\ (b) as‰√m \njv{Inb BkvXnIƒ°pw (NPAs) th≠n
hn]Wn hne-bv°-\p-k-cn®v {Iao-I-cn-°p-hm≥ km[n-°p∂p. (i) \nehmcw Ipd™ Bkv X nIƒ°v A∏t∏mgp≈
c) sUmaÃnIv I-d≥kn-bn-ep≈ ]eni\nc°v kzm]vkpIfn¬ kpc£nX hmbv]IfpsS ImcyØn¬ _m°n \n¬∏p≈
\n∂v Imem-Im-eß
- f
- n-ep-≠m-hp∂ A‰ ]W hcpam\w hchv/ XpIbpsS 10% Dw A∏t∏mgp≈ kpc£nXa√mØ
sNehv Bbn hIbncpØnbncn°p∂p. hmbv]IfpsS ImcyØn¬ 20% Dw
63

(ii) kwi-bm-kv]Z BkvXn-I-fpsS Imcy-Øn¬ F{X-h¿jw IW°m°s∏Sp∂ ]enisb ]q¿ØoIcn® ss{Xamk


kwi-bm-kv]Z BkvXn-bmbn A°u≠v \ne-\n∂p F∂- ßfn¬ aqe[\tØmsSm∏w tN¿Øv apX¬ Bbn
Xns‚ ASn-ÿm-\-Øn¬ kpc-£nX `mK-Øns‚ 20%, 30% ImWn®n´p≠v.
AYhm 100%. Akpc£nX `mKØn¬ FIvkvt]m¿´v s{IUn‰v
6. ÿnc BkvXn-Ifpw hnebnSnhpw
& Kymc‚n tIm¿∏-td-j≥ (ECGC)/s{IUn‰v Kymc‚n ^≠v
{SÃv t^m¿ ssat{Im B‚ v kv a mƒ F‚¿ss{]kkv 6.1 hkvXp-h-IIfpw a‰p ÿnc BkvXn-Ifpw Imem\p{Ia
(CGTMSE) F∂n ]≤XnIfn¬ GXmtWm _m[IamIp∂Xv hyb ASn-ÿm-\-Øn¬ IW-°m-°p-∂p. cPnkvt{Sj\v
AXv {]Imcw Kymc‚n Ih-dn¬ \ne-\n¿Ømhp∂ XpI Ipdhp _m°nbp≈ _m¶v B¿÷n® `qanbpw sI´nSßfpw
sNbvX-Xn-\p-tijw _m°n \n¬°p∂ XpI-bpsS 100%. Atem´vsa‚ v se‰¿/F{Knsa‚ v, ssIhiap≈h F∂nhsb
(iii) \jvS BkvXn-Iƒ°v 100% B[mcam°n aqe[\ambn am‰n-bn-cn-°p-∂p.

4.4 hmbv]-I-fpsS ]p\xkwLS\ 6.2 Bbncw cq]tbm AXn\p Xmsgtbm hnebp≈ CuSp
\n¬°mØ Hmtcm hkvXp°fpw hmßp∂ h¿jØnse
]p\xkwLSn∏n°s∏´ A°u≠pIsf kw_‘n®nS dh\ypsNehn¬ Dƒs∏Sp-Øn-bncn-°p∂p.
tØmfw _m°nbp≈Xv 1 tImSn cq]tbm AXn\p apIfntem
BsW¶n¬, hmbv]bpsS \ymbhnebn¬ hcp∂ Ipdhv 6.3 {]nan-k-knepw knÃw tkm^v‰vshb¿ Dƒs∏sSbp≈
]p\xkwLSbv ° p apºpw AXn\p tijhpap≈ a‰p ÿnc BkvXn-If - n-t∑ep-ap≈ hne-bn-Snhv BZm-b\
- n-IpXn
\ymbhnebpsS hyXymkambn IW°m°p∂XmWv . \nbaw/dqfpIƒ F∂nhb\pkcn®p≈ \nc°p]-tbm-Kn®v
\nehnep≈ \nc°nse ]enibpsS ASnÿm\Øn¬ aqey-£bw Fgp-Xn-Ø-≈n-b-Xn-\p-ti-j-ap≈ hne-k-{º-Zm-b-
IW°p Iq´n, _m¶ns‚ BPLR- \ p Xpeyamb \nc°n¬ Øn¬ IW-°m°n-bn-cn-°p-∂p.
UnkvIu≠v sNbvXv, hmbv]sbSpØ hy‡n°p≈ tSw \º¿ ÿmhc ÿnc aqey£bw/
{]oanbhpw s{IUn‰v dnkv°v {]oanbhpw Dƒs∏sS, Iymjv BÿnIfpsS aqey£bw EWtamN\
^vtfmbpsS aqeyambn ]cnKWn°p∂p. ]p\xkwLS\bv°p hnhcWw NpaØp∂ coXn \nc°v
tijap≈ hmbv ] bpsS \ymbhne ]p\xkwLS\m 1 Iw]yq´dpIƒ t\¿ hne k{ºZmbw {]Xnh¿jw
thfbnse hmbv ] bnt∑ep≈ ]enibmbpw, apX¬, 33.33%
]p\xkwLS\mXobXnbnse _m¶ns‚ BPLR \nc°n\p 2 lm¿Uv shbdns‚ FgpXnØffnbXn\p 60%
Xpeyambn Unkv I u≠p sNbv X pw IW°n¬ Hgn®pIqSm\mhmØ tijapff hne
Dƒs∏SpØp∂p. `mKamb Iw]yq´¿ k{ºZmbw
tkm^v‰v shb¿
]p\xkwLSn∏n°s∏´ A°u≠pIfn¬ _m°nbp≈Xv 1 3 lm¿Uv shbdns‚
tImSn cq]bn¬ XmsgbmsW¶n¬, \ymbhnebnse Ipdhv, Hgn®p t\¿ hne k{ºZmbw hmßnb
_m°nbpsS 5% Bbn IW°ms∏´ncn°p∂p. IqSm\mhmØ h¿jØn¬
4.5 tIkv ^b¬ sNbvX A°u-≠p-If- n¬ eoK¬ sNe-hp- LSIa√mØ 100%
Iƒ em`-\j- vS°
- W
- °
- p-If
- n¬ Dƒs°m-≈n-®n-´p-≠v. Iw]yq´¿ tkm^v‰v shb¿

4.6 Bkv X n]p\¿\n¿amW Iº\n°pw skIyqcn‰n 6.4 \S∏ph¿jw B¿÷n® BkvXnIsf kw_‘n®nS
tØmfw 182 Znhktam AXn¬ Ipdthm am{Xw
Iº\n°pw hnev]\ \S-Øn-b kmº-ØnI BkvXn-Iƒ
D]tbmKn®hbv°v A¿≤ h¿jtØXpw 182
Xmsg∏d-bp∂ coXn-bn¬ hIbncpØnbncn°p∂p.
ZnhkØn¬ IqSpX¬ D]tbmKn®hbv ° v Hcp
a) hn‰ hne ‘s\‰v _p°v hmeyq’ (NBV) hns\-°mƒ Ipd-hm- h¿jtØ°papff tXbvam\w IW°m°p∂p. ]s£
sW- ¶ n¬ AXns‚ hyXymkw em`- \ - j v S - ° - W - ° n- t e°v Iºyq´dpIƒ°pw tkm^v‰vshbdpIƒ°pw am{Xw Ah
am‰nbncn°p∂p. D]tbmKn® Imebfhv F{Xbmbmepw h¿jw
apgph\papff tXbvam\w IW°m°p∂p.
b) hn‰- hne NBV sb°mƒ IqSp-Xe
- m-sW-¶n¬, IqSp-Xe
- p≈
s{]mhn-j≥ XncnsI am‰nsbgpXnbn´n√. adn®v kmº-ØnI 7. Poh-\-°m¿°p≈ B\p-Iq-ey-߃
BkvXn-Ifpw `mhn-bn¬ \S-°p∂ hnev]\- b
- n¬ Fs¥-¶nepw 7.1 Poh-\-°m-cpsS {lkz-Im-e-tØ-°p≈ B\p-Iq-ey-߃
\jvSw kw`-hn-°p-I-bm-sW-¶n¬ AXv \nI-Øp-∂-Xn-\mbn Poh-\° - m-cpsS {lkz-ImetØ°p≈ B\p-Iq-ey-߃ AXm-
{]tXyIw kq£n®ncn°p∂p. bXv Im-jz¬ eohv, NnIn’m B\p-Iq-ey-߃ F∂nh°p
Poh-\°- m-cpsS tkh-\ß - ƒ°v ]I-ca- mbn \¬tI≠p∂ XpI
5. \nt£]߃ Poh\°mc≥ tkh\a\pjv T n°p∂ Imebfhn\
]eni ]p\¿ \nt£]w sNbvXphcp∂ \nt£]ßfn¬ \pkrXambn IW°m°nbncn°p∂p.
64

7.2 tkh-\-Øn\p tij-ap≈ B\p-Iq-ey- kw`-hn-°p-Ib - m-sW-¶n¬ B\p-Iq-ey-߃ Poh\°m¿°v \nb-


߃ am-\p-kr-X-ambn amkw tXmdpw \¬In-h-cp-∂p. \nb-a-a-\p-k-
(i) \n¿∆Nn® Awi-Zm\ ]≤Xn cn®v hnhn[ L´-ßf - mbn Poh-\°
- m¿°v hnX-cWw sNøp-∂p.
_m¶n¬ \nehnep≈ t{]mhn-U‚ v ^≠v ]≤Xn \n¿h- h¿jwtXmdpw \SØnhcp∂ kzX{¥ _mly BIvNyp-cn-b¬
Nn°s∏´n´p≈ Awi-Zm\ ]≤Xn BWv. _m¶ns‚ F√m hmeyp-th-j≥ ASnÿm\ am°n _m¶v, CXn\p≈ Awi-Zm\w
Poh\°m¿°pw _m¶ns‚ t{]mhnU‚ v ]≤Xnb\pkcn®p≈ {SÃn-If- psS t_m¿Un\m¬ `cWw \S-Øs- ∏Sp∂ ^≠n-te°v
AhImi߃ kzoIcn°m≥ A¿lXbp≠v. _m¶v Hcp \¬Ip-∂p.
\n›nX \nc-°n¬ amkw-tXmdpw Awi-Zm\w \¬Ip∂p. (C-
(d) Hmtcm _me≥kv jo‰v Xob-Xnbpw BIvNyp-c- n-b¬ hmeyp-
t∏mƒ Poh-\°- m-cpsS ASn-ÿm\ iº-fh - pw A¿l-amb Ae-
th-j≥ {]Imcap≈ t{]mP-IvSvUv bqWn‰v s{IUn‰v coXn A\p-
h≥kpw tN¿∂p≈ XpIbpsS 10%) _m¶v \S-∏n-em-°n-bn-cn-
k-cn®v BWv, \n¿∆-Nn® B\p-Iq-ey-߃°p≠m-Ip∂ sNehv
°p∂ Hcp ^≠n-te°v Awi-Zm-\߃ kzoI-cn-°p-Ibpw {SÃn-
\n¿Æ-bn-°p-∂X- v. IW-°p-If
- nse em`hpw \jvShpw DS\pS≥
I-fpsS t_m¿Uv AXns‚ `cWw ssIImcyw sNøp-Ibpw
IW°m°pIbpw AXv em`-\-jvS-°-W-°p-I-fpsS hnh-c-W-
sNøp∂p. `mhn-bn-te-°p≈ t{]mhn-U‚ v ^≠v B\p-Iq-ey-
Øn¬ Dƒs°m≈n°pIbpw sNbvXn´p≠v. Cu sNehpIƒ
߃°v hm¿jnI Awi-Zm-\Ø - n-s\m-gnsI _m¶n\v bmsXmcp
am‰nhbv°s∏´n´n√.
_m≤y-X-bp-an√. CØ-c-Øn-ep≈ Awi-Zm-\sØ X\Xp
h¿jsØ sNe-hmbn AwKo-Ic- n-°p-∂p. (e) _m¶v dh-\yq-hnepw a‰p dnk¿hp-Ifnepw IW°m°p∂
Xn\p ]Icw \n¿∆- N n- ° - s ∏´ B\p- I qey ]≤- X n- I ƒ°v
(ii) \n¿h-Nn® B\p-Iq-ey-]-≤Xn
th≠nbp≈ ]cnh¿Ø\ _m≤yX tcJs∏SpØp∂ AS 15
(a) _m¶v {Km‰p-hn-‰n, s]≥j≥, dosk-‰n¬sa‚ v ]≤-Xn-Iƒ
(2005) coXn kzoI-cn®p.
F∂n-h \n¿h-Nn® B\p-Iq-ey-]-≤-Xn-I-fmbn ssIImcyw
sNbvXphcp∂p. (iii) Poh\°m¿°p≈ a‰p Zo¿L-Im-e- B\p-Iq-ey-߃.
(b) _m¶v A¿lX-bp≈ F√m Poh-\° - m¿°pw {Km‰p-hn‰n (a) _m¶nse A¿l-Xb - p≈ F√m Poh-\° - m¿°pw Ah-cpsS
IW°m°p∂p. Poh-\° - m-cpsS kq-∏¿ A\yp-th-j≥, k¿ho- G¨Uv eohns‚ Hcp \n›nX `mKw k¿ho-kn-en-cn-°p-tºmtgm
kn-en-cn-°p-tºmƒ kw`hn°p∂ acWw, tkh\w Ah-km- dn´-b¿sa‚ v ka-btØm acWw kw`-hn-°p-Itbm tkh\w
\n-∏n-°¬ F∂o Ah-k-c-ß-fn¬ Poh-\-°m¿°v H∂n®p Ah-km-\n-∏n-°p-Itbm sNøp-tºmtgm Hcp \n›nX ]camh[n
\¬Ip-∂- coXnbnep≈XmWv Cu B\p-Iq-ey-߃. XpIbv°p≈ ]W-am°n am‰m-hp-∂-Xm-Wv. CXn\p≈ XpI
t]sa‚ v Hm^v {Km‰phn‰n BIvSv 1972 {]Imcw Poh-\-°m¿°v _m≤yXbp≠mIp∂ apdbv°v _m¶v hI sIm≈n®phcp∂p.
\¬Ip∂ {Km‰p-hn-‰n \nc°v Ah¿ ]q¿Øo-I-cn® Hmtcm (b) Hmtcm _me≥kv jo‰v Xob-Xn-bnepw BIvNyp-c- n-b¬ hmeyp-
h¿jsØ tkh-\Ø - n\pw Ah-km\w e`n® 15 Znh-ksØ th-j≥ {]Im-ca- p≈ s{]mP-IvSUv bqWn‰v s{IUn‰v coXn A\p-
iºfw A\p-k-cn-®m-Wv. 5 h¿j-Øn¬ Ipd-bmØ XpS¿®- k-cn®v BWv a‰p Zo¿L-Ime B\p-Iq-ey-߃°p-≠m-Ip∂
bmb tkh\w \¬Inb Poh-\° - m-c≥ tkh-\Ø - n¬ \n∂v sNehv \n¿W-bn-°p-∂-Xv.
hnc-an-°p-Ib
- m-sW-¶n¬ {Km‰p-hn‰n \¬Imhp∂-Xm-Wv. (tk-
h\ hnc- a - \ w, cmPn hbv ° ¬, acWw apX- e m- b Ign™ Ime tkh\ sNehv em`-\j
- vS°
- W
- °
- n¬ DS\pS≥
ImcWßfm¬). Fkv . _n.‰n (Fwtπmbnkv ) {Km‰phn‰n hIsIm≈n®n´p≠v. CØcw sNehpIƒ am‰n hbv°s∏´n´n√.
sdKptej≥ 1972 A\pkcn®v A¿lcmIWsa¶n¬ Ipd™Xv 8. \nIpXn°p≈ hIbncpØepIƒ
10 h¿jsØ tkh\w BhiyamWv.
(a) BZmb\nIpXn sNehv \S∏p h¿jsØ \nIp-Xn, am‰n-h-
h¿jwtXmdpw G¿s∏SpØnbn´p≈ kzX{¥ BIvNyp-cn-b¬
bv°s- ∏´ \nIpXn, {^n©v s_\n-^n‰v \nIpXn F∂n-hb - psS
hmeyp-th-j≥ ASn-ÿm-\-am°n {SÃn-I-fpsS t_m¿Uv `cn-
samØw XpI-bm-Wv. 1961-˛se BZmb \nIpXn \nbaw/dqƒkv,
°p∂ ^≠n-te°v _m¶v hm¿jnI Awi-Zm\w \S-Øp∂p-≠.v
AS 22 F∂nhbpw A\p-kc- n-®mWp \S∏ph¿jsØ \nIpXn
{Km‰p-hn‰n \nbaw A\p-kc- n®v \¬Ip∂ G‰hpw IqSnb XpI \n¿Wbn-®ncn°p-∂Xv.- am‰n-hb
- v°s- ∏´ \nIp-Xn-bpsS AUvP-
3.50 e£w cq]-bm-Wv. SBT bpsS Poh-\°- m¿°v {Km‰p-hn‰n Ãvsa‚p-Ifn¬, Cu Ime-b-f-hn¬ am‰n-h-bv°-s∏´ \nIpXn
\¬Ip∂ sdKp-tej≥ A\p-kc- n®v 3.50 e£w cq] Ihn-bm- BkvXn-If - psS As√-¶n¬ _m≤y-XI - f
- psS am‰-ßf
- pw Dƒs∏-
hp-∂-Xm-Wv. IqSnb XpI-bmWv Poh-\-°m¿°v \¬Ip-I. ´n-´p-≠v.
(c) s]≥j≥ sXc-s™-SpØ F√m A¿l-Xb - p≈ Poh-\- (b) a-- m-‰nhbv°s∏´ \n-IpXn BkvXn-Isfbpw _m[y-XI - s- fbpw
°m¿°pw _m¶v s]≥j\v hIbncpØp∂p. Poh-\° - m-cpsS `mhn-bnse \nIpXn kw`mhyXm \n¿ÆbØn\v kq£vaambn
dn´- b ¿sa‚ v , k¿ho- k n- e n- c ns° acWw kw`- h n- ° p- I , hnebncpØs∏Sp∂p. CXv Ime-hy-Xym-kØ - ns‚ ]cn-W - n-X^
- -
k¿hokv Ah- k m- \ n- ∏ n- ° p- I , F∂nh e-ambn BkvXn _m[y-XI - f- psS Iymcn-bnMv hne-If
- psS Ah-
65

bpsS {Iam-\p-kr-X-amb \nIpXn ASn-ÿm-\-Ønepw Iymcn (f) t{Imkv sk√nMv Dev]∂ßfn¬ \n∂p≈ hcpam\w
t^m¿th¿Uv temkn-ep-amWv IW-°m-°n-bn-cn-°p-∂X - v. am‰n- (g) NPA A°u-≠p-I-fnse Xncn-®p-]n-Sn-°-ense AUvP-Ãp-
h-bv°s- ∏´ \nIpXn BkvXn-Ifpw _m[y-XI - fpw Af-°p-∂Xv sa‚p-Iƒ ˛ \ne-hn-ep≈ NPA bn¬ Xncn-®p-]n-Sn-°-s∏-´Xv
Ct∏mƒ \ne-hn-ep≈ \nb-a-am-°nb \nIpXn \nc-°p-Ifpw Nm¿Pp-Iƒ, ]en-i, aqe-[\w F∂o {Ia-Øn¬ hn\n-tbm-Kn-
\nIpXn \nb-aß - fpw D]-tbm-Kn-®mWv. As√-¶n¬ _me≥kv °p-Ibpw s{]m´-ÃUv _n¬ A°u-≠p-If - n¬ Xncn®p ]nSn-
jo‰v Xob-Xn°v ap≥Imeßfnse {]k‡amb \nIpXn \nc- °-s∏-´Xv, aqe-[\
- w, Nm¿Pp-Iƒ, ]eni F∂o {Ia-Øn¬ hn\n-
°p-Ifpw \nb-a-ß-fp-a-\p-k-cn-®m-Wv. am‰n-h-bv°-s∏´ \nIpXn tbm-Kn-°p-Ibpw sNbvXn-cn-°p-∂p.
BkvXn-If - p-sSbpw _m≤y-XI- f
- p-sSbpw am‰-ßf- n-ep≈ {]`mhw 9.2 sNehv
em`-\-jvS-°-W-°p-I-fn¬ {]Xn-^-en-°p-∂p-≠v. Nne {]tXyI ]≤XnIfnep≈ \nt£]߃°p≈
(c) Hmtcm dnt∏m¿´nwKv Xob-Xnbpw am‰n-hb
- v°s- ∏´ \nIpXn ]enibpw hkv Ø pIcßfpw Iymjv ASnÿm\Øn¬
BkvXnIsf AwKo-I-cn-°p-Ibpw ]p\¿hn-i-I-e\w sNøp- hcpam\w IW°m°p∂Xv Hgn®m¬ dh\yp sNehv IW°m
Ibpw sNøp-∂Xv tijap≈ dnbssetkj≥ \n›-ba- mbpw °nbncn°p∂Xv k©nX ASnÿm\ØnemWv.
Bh- i y- a pt≠m F∂Xv hnebncpØnb amt\- P p- s a‚ v 10. A‰m-Zmbw
PUvPvsa‚ns\ B[mc-am-°n-bm-Wv. Xmsg sImSp-Øn-´p≈ C\-ßf - n¬ hI-bn-cp-ØnbXn\p-ti-ja- m-
am‰n-hb
- v°s- ∏´ \nIpXn BkvXn-Iƒ AwKo-Ic- n-®n-cn-°p-∂Xv Wv em`-\j
- vS°
- W
- °
- p-If
- n¬ A‰m-Zmbw ImWn-®n-cn-°p-∂X
- v.
Iymcn t^m¿thUv Hm^v A¨ A_vtkm¿_vUv Un{]n-kn-  hcp-am-\-Øn≥taepw kzØnt∑-ep-ap≈ {]Xy£
tb-j-\pw \nIpXn \jvS-hpw IW°nseSpØv am{X-am-Wv. \nIpXn (A- ° u- ≠ nwKv Ãm≥tU¿Uv AS 22 -
AXpw, AØ-cØ - n-ep≈ am‰n-hb
- v°s- ∏´ \nIpXn BkvXn-Isf “Accounting for Taxes on Income” {]Imcw am‰n-
`mhn-bn-ep≈ em`-Øn¬ IW-°m°m-sa∂ Hcp ]tcm£amb h® \nIpXn Dƒs∏-sS)
\n›n-Xm-hÿbpsS ASnÿm\Øn¬ am{Xw.  In´m-°-Shpw kwi-bm-kv]-Z-hp-amb hmbv]-Iƒ.

9. dh\yq AwKoIcn°¬ B¿.- _ n.- s F.- b psS \n¿t±- i - ß ƒ°- \ p- k r- X - a mbn
9.1 hcp-am\w apX¬apS°pI-fpsS aqey-{I-ao-I-c-W-߃ GsX¶nepw
 \ne-hmc BkvXn-Iƒ°p≈ hI-bncp-Ø-ep-Iƒ.
Xmsg sImSp-Øn-´p≈ Iymjv ASn-ÿm-\-Øn¬ hcp-am\w
 ]p\¿hn\ykn∏n°s∏´ A°u≠pIfn¬ Ipdhp
ImWn°p∂ C\-߃ Hgn-hm°nbm¬ ]en-ibpw a‰phcp-am-
\hpw IW-°m-°p-∂Xv k©nX ASn-ÿm-\-Øn-em-Wv. hcpØnb ]enibpw
 \njv{Inb apX¬ apS°pIƒ
(a) dnk¿hv _m¶v Hm^v C¥ybpsS am¿§ \n¿t±i߃  BIkvanI \n[nbnte°v am‰w sNøs∏´h
A\pkcn®v ]enibpw \njv{Inb BkvXnIfn¬ \n∂pap≈
a‰phcpam\hpw, Imemh[n Ign™n´pw \S∏m°ns°m≠ncn 11. s{]mhn-j-\p-Iƒ, BI-kvanI _m[y-X-Iƒ
°p∂ ]≤XnIfpw, {Iam\pkrXambn ]eni e`n°mØ BI- k v a nI Bkv X n- I ƒ F∂n- h - b v ° p≈
k¿°m¿ Pmayap≈ A°u≠pIfpw A°u-≠nw-Kv
(b) dnk¿hv _m¶v Hm^v C¥ybpsS am¿§ \n¿t±i߃ AS 29 Dd-∏p-hc- p-Øp-∂X- n-\mbn C≥Ãn-‰yq´v Hm^v Nm¿t´¿Uv
A\pkcn®v HmlcnIfnep≈ \nt£]ßfpsS em` A°u-≠‚ vkv Hm^v C¥y ]pd-s∏-Sp-hn® s{]mhn-j\ - p-Iƒ,
hnlnXhpw ayqNz¬ ^≠v bqWn‰pIfpsS hnXcWw BI-kvanI _m≤y-X,- BI-kvanI BkvXn-Iƒ, F∂n-hb - n¬
sNøs∏´ hcpam\hpw _m¶v, Ign™ Ime kw`-hØ - ns‚ ^e-ambn Ct∏mƒ \nb-a-
(c) tem°¿ hmSI _m-≤y-XI - ƒ Ds≠-¶n¬ am{Xw _m¶v AXn\p≈ s{]mhn-j-
(d) Unam‚ v _n¬kv ]¿t®kn¬ \n∂p≈ hn\nabw \p-Iƒ AwKo-I-cn-®p hcp∂p. AXm-bXv hn`-h-ti-jn-bpsS
{]hm-l-a-\p-k-cn®v kmº-ØnI B\p-Iq-ey-߃°v cq]w
(e) dnk¿hv _m¶v Hm^v C¥ybpsS am¿§ \n¿t±i߃
sImSp-t°-≠Xv \nb-a_ - m-≤y-X Xo¿°m-\m-hi - y-am-Wv, _m≤y-
A\pkcn®v A h [ n I g n ™ _n√pIfn¬ \n∂p≈ ]eni
X-If- psS XpI-bpsS hniz-k\ - o-ba- mb IW-°p-Iƒ ImWn-°m-
h k q e m ° ¬ ASnÿm\Øn¬.
hp-∂-Xm-Wv.
66

+x…÷∫…⁄S…“ 17  ∂…‰™…∫…«   b˜§…‰S∆ …∫…«˙ B¥…∆ §……Ïhb¬˜∫…˜  +x…÷π…∆M…“/∫…∆™…÷HÚ =t®…


=±±…‰J…˛x…“™… ±…‰J…… x…“ i…™……ƒ - 2008-09 B¥…∆  +x™… (∫…“{…“, ®™…⁄S…÷+±… °∆Úb˜, <EÚ…<™……ƒ +… n˘)
1. ∫……®……x™… 3.2 ¥…M…‘EÚÆ˙h… EÚ… +…v……Æ˙
<∫…E‰Ú ∫……l… ∫…∆±…Mx…  ¥…k…“™…  ¥…¥…Æ˙ h…™……ƒ B‰ i…Ω˛… ∫…EÚ ±……M…i… E‰Ú +…v……Æ˙  x…¥…‰∂…… EÚ…‰ §…ÈEÚ {… Æ˙{…C¥…i…… E‰Ú ∫…®…™… i…EÚ  x…™…∆ j…i… EÚÆ˙ {… Æ˙{…C¥…i……
{…Æ˙ i…Ë™……Æ˙ EÚ“ M…<« ΩÈ˛ C™…… EÚ ™…‰  ¥…n‰˘∂…“ ®…÷p˘… ±…‰x…n‰˘x… E‰Ú  ±…B ∫…∆∂……‰ v…i… Ω‰˛i…÷ Æ˙J…‰ M…B E‰Ú ∞¸{… ®… ¥…M…‘EfiÚi…  EÚ™…… V……i…… Ω˲*
EÚ“ M…<« ΩÈ˛ B¥…∆ ¶……Æ˙i… ®… ∫……®……x™…i…& ∫¥…“EfiÚi… ±…‰J……  ∫…r˘…xi…… (V…“ B  x…¥…‰∂…… EÚ…‰ §…ÈEÚ J…Æ˙“n˘x…‰ EÚ“  n˘x……∆EÚ ∫…‰ 90  n˘x… E‰Ú ¶…“i…Æ˙ ®…÷Ji…™……
B {…“) E‰Ú +x…÷∞¸{… ΩÈ˛ V……‰ ¶……Æ˙i… E‰Ú ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…∆∫l……x… B¥…∆ {…÷x…&  §…GÚ“ E‰Ú  ±…B Æ˙J…‰ EÚ…‰ ]≈ı‰Àb˜M… Ω‰˛i…÷ Æ˙J…‰ M…B E‰Ú ∞¸{… ®… ¥…M…‘EfiÚi…
¶……Æ˙i…“™… §…ÈÀEÚM… =t…‰M… ®… |…S… ±…i… {…r˘ i… u˘…Æ˙… V……Æ˙“ ∫……∆ ¥… v…EÚ  EÚ™…… V……i…… Ω˲*
|……¥…v……x……Â,  x…™……®…EÚ |…… v…EÚ… Æ˙™…… E‰Ú ®……M…« x…nÊ˘∂……Â, ¶……Æ˙i…“™…  Æ˙W…¥…«
§…ÈEÚ, (+…Æ˙ §…“ +…<) ±…‰J…… ®……x…EÚ…Â/®……M…« x…nÊ˘∂… x……‰]ı… EÚ…‰ ∫…®…… ¥…π]ı  x…¥…‰∂…  V…xΩ² =HÚ n˘…‰ EÚ…‰ ]ı™…… ®… ¥…M…‘EfiÚi… x…Ω˛”  EÚ™…… Ω˲ =xΩ²  §…GÚ“
EÚÆ˙i…“ Ω˲* Ω‰˛i…÷ ={…±…§v… E‰Ú ∞¸{… ®… ¥…M…‘EfiÚi…  EÚ™…… M…™…… Ω˲*
 x…¥…‰∂… <∫…EÚ“  §…GÚ“ E‰Ú ∫…®…™… ∫…‰ ]≈ı‰Àb˜M… Ω‰˛i…÷ Æ˙J…‰ M…B ™……  §…GÚ“ Ω‰˛i…÷
2.  ¥…n‰˘∂…“  ¥… x…®…™… ∫…‰ ∫…∆§…r˘˘ ±…‰x…n‰˘x… ={…±…§v… {… Æ˙{…C¥…i…… Ω‰˛i…÷ Æ˙J…‰ M…B E‰Ú ∞¸{… ®… ¥…M…‘EfiÚi…  EÚ™…… V……i…… Ω˲
2.1  ¥…n‰˘∂…“ ®…÷p˘… ®… ¥…M…‘EfiÚi… ®……Ë p˘EÚ +…Œ∫i…™……ƒ B¥…∆ n‰˘™…i……Bƒ i…÷±…x…-
+…ËÆ˙ ∏…‰ h…™…… E‰Ú §…“S… =k…Æ˙¥…i…‘ {… Æ˙¥…i…«x…  ¥… x…™…®…x… ®……M…« x…nÊ˘∂…… E‰Ú
{…j… E‰Ú  n˘x……∆EÚ EÚ…‰ |…S… ±…i… ¶……Æ˙i…“™…  ¥…n‰˘∂…“ ®…÷p˘… ¥™……{……Æ˙“ ∫…∆P… +x…÷∞¸{…  EÚ™…… M…™…… Ω˲*
(°‰Úb˜…<«) n˘Æ˙… E‰Ú +x…÷∫……Æ˙ {… Æ˙¥…Ãi…i… EÚ“ M…<« ΩÈ˛*
3.3 ®…⁄±™……∆EÚx…
2.2 |…i™……¶…⁄ i…™…ƒ…/∫……J… +…{……i…“ {…j…, ∫……J… {…j…, §™……V… n˘Æ˙  ¥… x…®…™…,
¥……™…n˘… n˘Æ˙ EÚÆ˙…Æ,  ¥…n‰˘∂…“ ®…÷p˘…  ¥…EÚ±{… B¥…∆ ¥……™…n˘…  ¥… x…®…™… i)  x…¥…‰∂… E‰Ú + v…O…Ω˛h… ±……M…i… EÚ…  x…v……«Æ˙h… EÚÆ˙x…‰ ®…Â:
∫…∆ ¥…n˘…, i…÷±…x… {…j…  n˘x……∆EÚ E‰Ú °‰Úb˜…<« n˘Æ˙ {…Æ˙ +x…⁄ n˘i…  EÚ™…‰ M…™…‰ B: +∆∂…n˘…x… {…Æ˙ |……{i… n˘±……±…“ / EÚ®…“∂…x… ±……M…i… ∫…‰ EÚ®… EÚ“ V……i…“
ΩÈ˛* Ω˲*
2.3 +…™… +…ËÆ˙ ¥™…™… ∫…∆§…r˘ ±…‰x…n‰˘x…… E‰Ú  n˘x……∆EÚ EÚ…‰ |…S… ±…i…  ¥… x…®…™… §…“:  x…¥…‰∂…… E‰Ú + v…O…Ω˛h… E‰Ú ∫…®§…xv… ®… |…n˘k… n˘±……±…“ / EÚ®…“∂…x…
n˘Æ˙… {…Æ˙ {… Æ˙EÚ ±…i… Ω˲*∆  ¥…n‰˘∂…… ®…  ¥… x…™……‰ V…i…  ¥…n‰˘∂…“ ®…÷p˘… <i™…… n˘ Æ˙…V…∫¥… E‰Ú +x…÷∫……Æ˙ |…¶…… Æ˙i… EÚ“ V……i…“ Ω˲ B¥…∆ ±……M…i… ®…Â
 x… v…™…… {…Æ +ÃV…i… §™……V… ˙{…Æ˙xi…÷ n‰˘™… x…Ω˛”, EÚ… {… Æ˙EÚ±…x… ∂…… ®…±… x…Ω˛” EÚ“ V……i…“ Ω˲*
°‰Úb˜…<« n˘Æ˙ {…Æ˙ i…÷±…x… {…j…  n˘x……∆EÚ E‰Ú +x…÷∫……Æ˙ Ω˲* ∫…“: @Òh…  ±…J…i… {…Æ˙ |…n˘k…/|……{i… J…∆ b˜i… +¥… v… EÚ… §™……V… ¥™…™…/+…™…
§™……V… E‰Ú ∞¸{… ®… ®……x…… V……i…… Ω˲ B¥…∆ ±……M…i…/ §…GÚ“ |… i…°Ú±… ®… ∂…… ®…±…
2.4 °‰Úb˜…<« E‰Ú ®……M…« x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ |…i™…‰EÚ ®…÷p˘… E‰Ú ∫…¶…“ §…EÚ…™…… x…Ω˛”  EÚ™…… V……i…… Ω˲*
¥……™…n˘…  ¥… x…®…™… ∫…∆ ¥…n˘…, ∫…∆ ¥…n˘… EÚ“ ∫…®§…Œxv…i… {… Æ˙{…C¥…i…… E‰Ú
 ±…B i…n˘x…÷∞¸{…“ ¥……™…n˘… n˘Æ˙… {…Æ˙ i…÷±…x… {…j…  n˘x……∆EÚ E‰Ú +x…÷∫……Æ˙ b˜“: ±……M…i… ¶…… Æ˙i… +…Ë∫…i… ±……M…i… |…h……±…“ {…Æ˙  x…v……« Æ˙i… EÚ“ V……i…“ Ω˲*
{…÷x…&®…⁄±™……∆ EÚi…  EÚ™…‰ V……i…‰ ΩÈ˛* {…÷x…&®…⁄±™……∆ EÚi… Æ˙… ∂… B¥…∆ ∫…∆ ¥…n˘… <«: =HÚ i…“x… ∏…‰ h…™…… ®… |… i…¶…⁄ i… EÚ… +xi…Æ˙h…, +xi…Æ˙h… EÚ“  n˘x……∆EÚ
Æ˙… ∂… ®… V……‰ ¶…“ +xi…Æ˙ +…i…… Ω˲ ¥…Ω˛ ±……¶… B¥…∆ Ω˛… x… E‰Ú ∞¸{… ®… ∫…‰ EÚ®… ∫…‰ EÚ®… + v…O…Ω˛h… ±……M…i…/§…Ω˛“ ®…⁄±™…/ §……V……Æ˙ ®…⁄±™… E‰Ú  ±…B
{…Ω˛S……x…… V……i…… Ω˲* {… Æ˙EÚ ±…i…  EÚ™…… V……i…… Ω˲ +…ËÆ˙ ™… n˘ EÚ…‰<« ®…⁄±™…ø…∫… Ω˛…‰ i……‰ B‰∫…‰
+∆i…Æ˙h… {…Æ˙ {…⁄h…«i…& ={…±…§v…  EÚ™…… V……i…… Ω˲*
2.5 §…EÚ…™…… ®…÷p˘…  ¥…EÚ±{… {…Æ˙ |……{i…/|…n˘k… |…“ ®…™…®… °‰Úb˜…<« ®……M…« x…nÊ˘∂……Â
E‰Ú +x…÷∫……Æ˙ {… Æ˙EÚ ±…i…  EÚ™…… M…™…… Ω˲* ii) Æ˙…V…EÚ…‰π…“™…  §…±…, V…®……Æ˙… ∂… |…®……h…{…j… B¥…∆ ¥…… h…ŒV™…EÚ n˘∫i……¥…‰V…
+…¥…i…‘ ±……M…i… E‰Ú ®…⁄±™… {…Æ˙  x…v……« Æ˙i…  EÚB V……i…‰ ΩÈ˛*
3.  x…¥…‰∂… - n‰˘∂…“ iii) {… Æ˙{…C¥…i…… ∏…‰h…“ Ω‰˛i…÷ Æ˙J…‰ M…B:
 x…¥…‰∂… ¥…i…«®……x…  x…™……®…EÚ ®……M…« x…nÊ˘∂…… E‰Ú +x…÷∞¸{…  Ω˛∫……§… ®…  ±…B V……i…‰ {… Æ˙{…C¥…i…… ∏…‰h…“ Ω‰˛i…÷ Æ˙J…“ M…<« |…i™…‰EÚ |… i…¶…⁄ i… + v…O…Ω˛h… ±……M…i… ™……
ΩÈ˛* §…ËEÚ <∫…E‰Ú  x…¥…‰∂…… EÚ“ ±…‰J……  ¥… v… E‰Ú  ±…B ±…‰x…n‰˘x…  n˘x……∆EÚ {… Æ˙∂……‰v…x… ±……M…i… {…Æ˙ |…¶…… Æ˙i…  EÚB V……i…‰ ΩÈ˛* ™… n˘ ™…‰ +∆ EÚi… ®…⁄±™…
|…h……±…“ EÚ… {……±…x… EÚÆ˙i…… Ω˲* ∫…‰ + v…EÚ |…“ ®…™…®… {…Æ˙ + v…O… Ω˛i… ΩÈ˛* + v…O…Ω˛h… {…Æ˙ EÚ…‰<« |…“ ®…™…®…
3.1 ¥…M…‘EÚÆ˙h… Œ∫l…Æ˙ +…™… +…v……Æ˙ {…Æ˙ |… i…¶…⁄ i… EÚ“ ∂…‰π… {… Æ˙{…C¥…i…… +¥… v… EÚ“
∫…®……Œ{i… {…Æ˙ {… Æ˙∂……‰ v…i…  EÚ™…… V……i…… Ω˲* |…“ ®…™…®… EÚ… B‰∫…… {… Æ˙∂……‰v…x…
 x…¥…‰∂… EÚ…‰ i…“x… ∏…‰ h…™…… ®… ¥…M…‘EfiÚi…  EÚ™…… Ω˲ V…Ë∫…‰ ""{… Æ˙{…C¥…i…… Ω‰˛i…÷ ∂…“π…«EÚ "" x…¥…‰∂…… {…Æ˙ §™……V…'' E‰Ú +∆i…M…«i… +…™… E‰Ú |… i… ∫…®……™……‰ V…i…
Æ˙J…‰ M…B'',  §…GÚ“ Ω‰˛i…÷ ={…±…§v…, ]≈ı‰Àb˜M… ∏…‰ h…™…… E‰Ú  ±…B Æ˙J…‰ M…B'*  EÚ™…… V……i…… Ω˲*
|…i™…‰EÚ ∏…‰h…“ E‰Ú +xi…M…«i…  x…¥…‰∂…… EÚ…‰ i…÷±…x…-{…j… ®…  x…®x… ±… J…i… UÙ:
∫…®…⁄Ω˛… ®… {…÷x…& ¥…M…‘EfiÚi…  EÚ™…… M…™…… Ω˲* ""{… Æ˙{…C¥…i…… ∏…‰h…“ ®… Æ˙J…“ M…<« |… i…¶…⁄ i…™…… EÚ…‰  §…GÚ“ / ∂……‰v…x… {…Æ˙
 ∫…Æ˙EÚ…Æ˙“ |… i…¶…⁄ i…™……ƒ  +x™… +x…÷®……‰ n˘i… |… i…¶…⁄ i…™……ƒ
±……¶…, +…™… B¥…∆ EÚÆ˙…Â EÚ“ {…⁄Vƒ …“ +…Æ˙ I…i…  x…¥…±… EÚ“  ¥… x…™……‰ V…i… E‰Ú
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∞¸{… ®… ®……x…… V……i…“ Ω˲ i…l…… ∫……∆ ¥… v…EÚ +…Æ˙ I… i…™…… EÚ…‰ + x…¥……™…« v +…Œ∫i… {…÷x…M…«`ˆx… EÚ®{…x…“ (B +…Æ˙ ∫…“) u˘…Æ˙… V……Æ˙“ |… i…¶…⁄ i… Æ˙∫…“n¢
∞¸{… ®… +∆i…Æ˙h…  EÚ™…… V……i…… Ω˲* M…ËÆ˙ B∫… B±… +…Æ˙  x…¥…‰∂…… E‰Ú  ±…B ±……M…⁄  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∞¸{…
iv ]≈ı‰Àc˜M… ∏…‰ h…™…… Ω‰˛i…÷ Æ˙J…‰ M…B B¥…∆  §…GÚ“ Ω‰˛i…÷ ={…±…§v…& ®…⁄±™…  x…v……« Æ˙i…  EÚ™…‰ V……i…‰ ΩÈ˛*
(B)  §…GÚ“ ∏…‰h…“ E‰Ú  ±…B ={…±…§v… ®… Æ˙J…‰ M…B  x…¥…‰∂… E‰Ú §……W……Æ˙ vi ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… V……Æ˙“  x…®x……∆ EÚi…  n˘∂…… x…nÊ˘∂…… E‰Ú
®…⁄±™… EÚ…‰ ¶……Æ˙i…“™…  Æ˙W…¥…« §…ËE∆ Ú E‰Ú  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ +…v……Æ˙ {…Æ˙  x…¥…‰∂…  x…π{…… n˘i… B¥…∆ M…ËÆ˙  x…π{…… n˘i… E‰Ú ∞¸{… ®… ¥…M…‘EfiÚi…
 x…®x……∆ EÚi… ∞¸{… ®…  x…v……« Æ˙i…  EÚ™…… V……i…… Ω˲*  EÚB V……i…‰ ΩÈ˛*
 E‰Úxp˘“™… ∫…Æ˙EÚ…Æ˙“ |… i…¶…⁄ i…™……ƒ: ®…“™……n˘“ +…™… Ø˚{…™…… §……W……Æ˙ B) §™……V… /  EÚ∂i… ({… Æ˙{…C¥…i…… +…™… ∫… Ω˛i…) n‰˘™… Ω˲ B¥…∆ 90  n˘x…
B¥…∆ ¶……Æ˙i…“™… b‰˜ Æ˙ §… ]ı§…∫… ∫…∆P… (B°Ú +…< B®… B®… b˜“ B) ∫…‰ + v…EÚ E‰Ú  ±…B +n˘k… Æ˙Ω˛i…‰ ΩÈ˛*
B¥…∆ ¶……Æ˙i…“™… |……l… ®…EÚ ¥™……{……Æ˙“ ∫…∆P… u˘…Æ˙… ∫…∆™…÷HÚ ®…⁄±™……∆EÚx… §…“)  EÚ∫…“ EÚ®{…x…“ E‰Ú ∂…‰™…Æ˙ ®…  x…¥…‰∂… E‰Ú  ¥…π…™… ®… <ŒC¥…]ı“ ∂…‰™…Æ˙ E‰Ú
E‰Ú  ±…B P……‰ π…i… ®…⁄±™… E‰Ú +…v……Æ˙ {…Æ˙ §……W……Æ˙ EÚ…‰ ®……E«Ú ®……®…±…‰ ®…Â x…¥…“x…i…®… i…÷±…x… {…j… E‰Ú +|……{™…i…… E‰Ú EÚ…Æ˙h… |… i… EÚ®{…x…“
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+…<« B®… B∫… b˜“ B B¥…∆ {…“ b˜“ B +…<« u˘…Æ˙… ∫…∆™…÷HÚ ∫…“) ™… n˘ ={…™……‰M…EÚi……« x…‰ EÚ…‰<« @Òh… ∫…÷ ¥…v…… ±…“ Ω˲ i……‰ ¥…Ω˛ §…ÈEÚ EÚ“
®…⁄±™……∆EÚx… E‰Ú =q‰˘∂™……l…« P……‰ π…i… {… Æ˙{…C¥…i……+… EÚ…‰ ∫…∆§…∆ v…i… §… Ω˛™…… ®… Bx… {…“ B Ω˲, =HÚ ={…™……‰M…EÚi……« u˘…Æ˙… V……Æ˙“  EÚ∫…“ |… i…¶…⁄ i…
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x™…⁄x…i…®… ¶……¥…… E‰Ú +x…÷∫……Æ˙ ®…⁄±™……∆ EÚi…  EÚ™…… V……i…… Ω˲* V…Ω˛…ƒ  EÚ™…… V……BM……* V…Ω˛…ƒ  x…™…i… ±……¶……∆∂… |…n˘k… x…Ω˛”  EÚ™…… Ω˲*
EÚΩ˛” |…S… ±…i… n˘Æ˙ ={…±…§v… x…Ω˛” ΩÈ˛ B¥…∆ +x…÷r˘fi i… ∂…‰™…Æ˙… E‰Ú <«)  b˜§…‰xS…Æ˙… / §……Ïhb˜… ®…  EÚ™…… M…™……  x…¥…‰∂… + O…®… |…EÚ…Æ˙ EÚ… ∫…®…Z……
∫…∆§…∆v… ®… (i) E∆Ú{…x…“ EÚ“ x…¥…“x…i…®… i…÷±…x…{…j… ∫…‰ {…i…… ±…M…… V……i…… Ω˲ V……‰ Bx… {…“ +…< ®……x…EÚ…Â E‰Ú +x…÷∫……Æ˙  x…¥…‰∂…… E‰Ú ∞¸{… ®… ¶…“
EÚÆ˙EÚ‰ (™… n˘ EÚ…‰<« Ω˛…‰ i……‰ {…÷x…®…⁄±« ™……∆EÚx… +…Æ˙ I… i…™……ƒ ®……x…x…‰ E‰Ú ±……M…⁄ Ω˲*
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i…÷±…x…{…j… ={…±…§v… x…Ω˛” Ω˲, i……‰ E∆Ú{…x…“ EÚ… ∂…‰™…Æ˙ |… i… Ø˚. 1/
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B®… |…h……±…“ {…Æ˙ ®…⁄±™……∆ EÚi… i…l…… B°Ú +…<« B®… B®… b˜“ B  §…GÚ“/J…Æ˙“n˘ E‰Ú ∞¸{… ®… ®……x…“ V……i…“ ΩÈ˛ B¥…∆ Ɖ˙{……‰/|… i…±……‰®… Ɖ˙{……‰ ±…‰J……Â
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+…Œ∫i… ®…⁄±™… E‰Ú +x…÷∫……Æ˙  x…Ãn˘π]ı ®™…⁄S…÷+±… °Úhb˜ ™…⁄ x…]Âı Æ˙…V…∫¥… §™……V… ¥™…™…/+…™… E‰Ú ∞¸{… ®… {… Æ˙EÚŒ±…i…  EÚ™…‰ V……i…‰ ΩÈ˛* Ɖ˙{……‰/
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{…Æ˙  x…v……« Æ˙i… §……W……Æ˙ ®…⁄±™… E‰Ú x™…⁄x…i…®… {…Æ˙ ®…⁄±™……∆ EÚi…  EÚB {… Æ˙{…C¥…i…… {…Æ˙ |… i…¥…Ãi…i… Ω˛…i‰ …“ ΩÈ˛* =x…{…Æ˙ J…S…«/+ÃV…i… §™……V… ¥™…™…/
V……i…‰ ΩÈ˛* Æ˙…V…∫¥… E‰Ú ∞¸{… ®… {… Æ˙EÚ ±…i…  EÚ™…… V……i…… Ω˲*
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EÚ“ V……i…“ ΩÈ˛ B¥…∆ |…i™…‰EÚ ∏…‰h…“ E‰Ú  ±…B |…i™…‰EÚ ∫…®…⁄Ω˛ EÚ… E‰Ú¥…±… =q‰˘∂™… E‰Ú  ±…B  ±…™…… M…™…… Ω˲ +…ËÆ˙ +i…& x…EÚn˘“ |…¥……Ω˛ ={…S…™…
 x…¥…±… ®…⁄±™…ø…∫… EÚ… |……¥…v……x…  EÚ™…… V……i…… Ω˲ i…l……  x…¥…±… ®…⁄±™…¥…fi r˘ +…v……Æ˙ {…Æ˙ {… Æ˙EÚ ±…i… Ω˲ i…l…… ∂…‰π… Æ˙… ∂…™……ƒ +…x…÷®…… x…EÚ
+∫¥…“EÚ…Æ˙ EÚ“ V……i…“ Ω˲* ®…⁄±™…ø…∫… E‰Ú |……¥…v……x… {…Æ˙ ¥™… HÚM…i… ®…⁄±…v…x… ®…⁄±™… {…Æ˙ ±…“ M…<« ΩÈ˛*
|… i…¶…⁄ i…™…… EÚ… §…Ω˛“ ®…⁄±™… §……W……Æ˙ EÚ…‰ +∆EÚx… EÚÆ˙x…‰ E‰Ú §……n˘ ∫…nˢ¥… (§…“) V…§… ®…⁄±™…ø…∫… E‰Ú EÚ…Æ˙h… EÚ…‰<« §…S……¥… +∆∂…i…&, +l…¥……
+{… Æ˙¥…Ãi…i… Æ˙Ω˛i…… Ω˲* {…⁄h…«i…&  ¥…°Ú±… Ω˛…‰ V……i…… Ω˲ i…l…… ™… n˘ <∫…‰ {… Æ˙{…C¥…i…… +¥… v…
i…EÚ V……Æ˙“ Æ˙Ω˛x…‰ EÚ“ +x…÷®… i… n˘“ V……i…“ Ω˲, i……‰ <∫…‰  x…™… ®…i…
68

+∆i…Æ˙…±… {…Æ˙ §……W……Æ˙ EÚ…‰ ®……E«Ú  EÚ™…… V……i…… Ω˲* <«) ™……‰V…x…… E‰Ú +∆i…M…«i… M……Æ∆˙]ı“ EÚ¥…Æ˙ EÚ“ |… i…v……Æ˙h…“™… Æ˙… ∂…
(∫…“) P…Ɖ˙±…⁄ ®…÷p˘… ®… §™……V… n˘Æ˙ ∫¥…Ë{… E‰Ú EÚ…Æ˙h… +…¥… v…EÚ  x…¥…±… EÚ…‰ P…]ı…x…‰ E‰Ú §……n˘ §…EÚ…™…‰ E‰Ú +|… i…¶…⁄i…  Ω˛∫∫…‰ E‰Ú 100% EÚ“
x…EÚn˘ |…¥……Ω˛ EÚ…‰ +…™… B¥…∆ ¥™…™… E‰Ú ∞¸{… ®… §…÷EÚ  EÚ™…… V……i…… Ω˲* n˘Æ˙ {…Æ˙, +…ËÆ˙
(b˜“)  ¥…n‰˘∂…“ ®…÷p˘… ®… §™……V… n˘Æ˙ ∫¥…Ë{… E‰Ú EÚ…Æ˙h… +…¥… v…EÚ (iii) Ω˛… x… +…Œ∫i…™……ƒ 100% {…Æ˙
 x…¥…±… x…EÚn˘ |…¥……Ω˛ EÚ…‰ +…™… B¥…∆ ¥™…™… E‰Ú ∞¸{… ®… §…÷EÚ  EÚ™…… 4.4 + O…®…… EÚ… {…÷x…M…«`ˆx…
V……i…… Ω˲ B¥…∆ °Ú…ÏÆ˙‰C∫… ±…‰x…n‰˘x… ®…  ¥… x…®…™… Œ∫l… i… EÚ… ∫…∆M… `ˆi… + O…®…… E‰Ú {…÷x…M…«`ˆx… E‰Ú ®……®…±…‰ ®…Â, V…Ω˛…ƒ §…EÚ…™…… Ø˚. 1 EÚÆ˙…c‰ ˜
¶……M… Ω˲* B¥…∆ <∫…∫…‰ + v…EÚ Ω˲ + O…®… E‰Ú = S…i… ®…⁄±™… ®… EÚ®…“, @Òh… E‰Ú
(<«)  ¥…n‰˘∂…“ ®…÷p˘… ®… §™……V… nÆ˙ ∫¥…Ë{… B¥…∆ ¥……™…n˘… n˘Æ˙ EÚÆ˙…Æ˙ i…÷±÷ …x…
= S…i… ®…⁄±™… ∫…‰ {…Ω˛±…‰ B¥…∆ §……n˘ ®… {…÷x…M…«`ˆx… EÚ“  ¶…z…i…… E‰Ú ∞¸{…
{…j…  i… l… E‰Ú °‰Úb˜…<« n˘Æ˙ E‰Ú +x…÷∫……Æ˙ ®…⁄±™……∆ EÚi…  EÚB V……i…‰ ΩÈ˛
®… {… Æ˙EÚ ±…i…  EÚ™…… V……i…… Ω˲* {…÷x…M…«`ˆx… EÚÆ˙x…‰ ∫…‰ {…Ω˛±…‰ @Òh…
i…l…… §…EÚ…™…… Œ∫l… i… +…EÚŒ∫®…EÚ n‰˘™…i……+… E‰Ú +xi…M…«i… n˘∂……«<«
EÚ… = S…i… ®…⁄±™… {… Æ˙EÚ ±…i…  EÚ™…… V……i…… Ω˲ V…Ë∫…‰ EÚ x…EÚn˘“
M…<« Ω˲*
={…±…§v…i…… EÚ… ¥…i…«®……x… ®…⁄±™… {…÷x…M…«`ˆx… EÚÆ˙x…‰ ∫…‰ {…⁄¥…« + O…®……Â
(B°Ú) ]ı“™…Æ˙ - */** §……Ïhb˜∫… E‰Ú ∫…®§…xv… ®… ∫¥…Ë{… ±…‰x…n‰˘x… ∫…‰
{…Æ˙ |…¶…… Æ˙i… ∫l……™…“ n˘Æ˙ {…Æ˙ §™……V… EÚ… |… i… x… v…i¥… EÚÆ˙i…… Ω˲
=i{…z… Ω˛…x‰ …‰ ¥……±…… ±……¶…/Ω˛… x… +±…M… ∫…‰ {… Æ˙EÚ ±…i…  EÚ™…… V……i……
B¥…∆ ®…⁄±…v…x… §…ÈEÚ E‰Ú §…“ {…“ B±… +…Æ˙ E‰Ú ∫…®……x… n˘Æ˙ {…Æ˙
Ω˲* ™… n˘ EÚ…‰<« Ω˛… x… Ω˛…‰ i……‰ =∫…E‰Ú  ±…B {…⁄h…«i…& |……¥…v……x… Ω˲*
§…]¬ı]ı…EfiÚi… EÚÆ˙EÚ‰ {…÷x…M…«`ˆx… EÚ“  n˘x……∆EÚ EÚ…‰ =v……Æ˙EÚi……« ∏…‰h…“
4. + O…®…
EÚ“ ∫…®…÷ S…i… ®…“™……n˘“ |…“ ®…™…®… B¥…∆ @Òh… V……‰ J…®… |…“ ®…™…®…
4.1 ∫…¶…“ + O…®…… EÚ…‰ ¶……Æ˙i…“™…  Æ˙V…¥…« §…ËE∆ Ú E‰Ú  x…n‰˘∂……Â/®……M…« x…nÊ˘∂…… ∫…Œ®®… ±…i… EÚÆ˙EÚ‰ {…÷x…M…«`ˆx…  n˘x……∆EÚ E‰Ú ∞¸{… ®… Ω˲* {…÷x…M…«`ˆx…
E‰Ú +x…÷∫……Æ S……Æ˙ |…¥…M……Á ™……x…“ (i) ®……x…EÚ +…Œ∫i…™……ƒ (ii) +¥…®……x…EÚ EÚÆ˙x…‰ E‰Ú §……n˘ @Òh… EÚ… = S…i… ®…⁄±™… {… Æ˙EÚ ±…i…  EÚ™…… V……i…… Ω˲
+…Œ∫i…™……ƒ (iii) ∫…∆ n˘Mv… +…Œ∫i…™……ƒ +…ËÆ˙ (iv) Ω˛… x… +…Œ∫i…™…… E‰Ú V…Ë∫…… EÚ x…EÚn˘“ ={…±…§v…i…… EÚ… ¥…i…«®……x… ®…⁄±™… {…÷x…M…«`ˆx… EÚÆ˙x…‰
+xi…M…«i… ¥…M…‘EfiÚi…  EÚ™…… M…™…… Ω˲* {…Æ˙ |…¶…… Æ˙i… n˘Æ˙ {…Æ˙ §™……V… EÚ… |… i… x… v…i¥… EÚÆ˙i…… Ω˲ B¥…∆
4.2 i…÷±…x…-{…j… ®… + O…®…  x…®x… ±… J…i… EÚ…‰ P…]ı…x…‰ E‰Ú {…∂S……i…¬˘ n˘∂……«™…… ®…⁄±…v…x… §…ÈEÚ E‰Ú §…“ {…“ B±… +…Æ˙ E‰Ú ∫…®……x… n˘Æ˙ {…Æ˙ §…]¬ı]ı…EfiÚi…
M…™…… Ω˲: EÚÆ˙EÚ‰ {…÷x…M…«`ˆx… EÚ“  n˘x……∆EÚ EÚ…‰ =v…˘…Æ˙EÚi……« ∏…‰h…“ EÚ“ ∫…®…÷ S…i…
(B) +x…÷{…™……‰V™… +…Œ∫i…™…… (Bx…{…“B) E‰Ú  ±…B  EÚ™…… M…™…… ®…“™……n˘“ |…“ ®…™…®… B¥…∆ @Òh… V……‰ J…®… |…“ ®…™…®… ∫…Œ®®… ±…i… EÚÆ˙EÚ‰
|……¥…v……x… {…÷x…M…«`ˆx…  n˘x……∆EÚ E‰Ú ∞¸{… ®… Ω˲*
(§…“) Bx….{…“.B. E‰Ú ∫…®§…xv… ®… +∫…∆O… Ω˛˛i… §™……V… +…™… {…÷x…M…« `ˆi… J……i…… E‰Ú ®……®…±…‰ ®… V…Ω˛…ƒ §…EÚ…™…… Ø˚. 1 EÚÆ˙…c‰ ˜ ∫…‰
(∫…“˜) +…<«.b˜“.§…“.+…<«/ ∫…b˜§…“ E‰Ú ∫……l… {…÷x…¶…÷x« ……B M…B  §…±… EÚ®… Ω˲ i……‰ = S…i… ®…⁄±™… ®… ø…∫… EÚ“ Æ˙… ∂… 5.0% EÚ“ §…EÚ…™……
{…Æ˙ {… Æ˙EÚ ±…i… EÚ“ M…<« Ω˲*
(b˜“) |……{i…  EÚB M…B n˘…¥…‰
4.5 ®…÷EÚn˘®…… n˘…™…Æ˙  EÚB M…B J……i…… E‰Ú ∫…∆§…∆v… ®… EÚ…x…⁄x…“ J…S…« ±……¶…
(<«) {…÷x…M…« `ˆi… +…Œ∫i…™…… E‰Ú = S…i… ®…⁄±™… ®… EÚ®…“ B¥…∆ Ω˛… x… J……i…‰ EÚ…‰ |…¶…… Æ˙i…  EÚ™…… V……i…… Ω˲*
4.3 + O…®…… {…Æ˙ |……¥…v……x…  x…®x……x…÷∫……Æ˙ ¶……. Æ˙.§…ÈEÚ E‰Ú ®……M…« x…nÊ˘∂……Â/ x…n‰˘∂…… 4.6 +…Œ∫i… {…÷x…Ãx…®……h… EÚ®{…x…“ (B +…Æ˙ ∫…“) |… i…¶…⁄ i…EÚÆ˙h… EÚ®{…x…“
E‰Ú +x…÷∫……Æ˙ {… Æ˙EÚ ±…i…  EÚ™…… M…™…… Ω˲ : (B∫… ∫…“) EÚ…‰ §…‰S…“ M…<«  ¥…k…“™… +…Œ∫i…™…… EÚ…‰  x…®x… |…EÚ…Æ˙
(EÚ) ®……x…EÚ +…Œ∫i…™…… Ω‰˛i…÷ ®……x…… M…™…… Ω˲:-
(i) EfiÚ π… B¥…∆ B∫… B®… <« I…‰j… EÚ…‰ |…i™…I… + O…®… {…Æ˙ 0.25% B.  §…GÚ“  x…¥…±… §…Ω˛“ ®…⁄±™… (Bx… §…“ ¥…“) ∫…‰  x…®x… ®…⁄±™… {…Æ˙
(ii) +x™… ∫…¶…“ + O…®……Â {…Æ˙ 0.40%
Ω˛…x‰ …‰ {…Æ˙  V…i…x…“ Æ˙EÚ®… EÚ… +xi…Æ˙ Ω˲, =∫…‰ ±……¶… B¥…∆ Ω˛… x…
J……i…‰ EÚ…‰ |…¶…… Æ˙i…  EÚ™…… V……i…… Ω˲*
(§…“) ∫…¶…“ M…ËÆ˙  x…π{…… n˘i… +…Œ∫i…™…… Ω‰˛i…÷ (Bx…{…“B)
§…“. ™… n˘  §…GÚ“  x…¥…±… §…Ω˛“ ®…⁄±™… ∫…‰ =SS…i…Æ˙ ®…⁄±™… {…Æ˙ Ω˲ i……‰
(i) +… n˘i… |… i…¶…⁄i… BC∫…{……‰V…Æ˙ E‰Ú ®……®…±…‰ ®… +¥…®……x…EÚ +…Œ∫i…™…… §…g¯i…“ Æ˙… ∂… EÚ…‰ |… i…¥…Ãi…i… x…Ω˛”  EÚ™…… V……i…… {…Æ˙xi…÷ =∫…‰ {…fil…EÚ
{…Æ˙ §…EÚ…™…‰ EÚ… 10% B¥…∆ +… n˘˜i… +|… i…¶…⁄i… BC∫…{……‰V…Æ˙ E‰Ú ∞¸{… ∫…‰ Æ˙J…… V……i…… Ω˲ +…ËÆ˙ =∫…‰ ¶… ¥…π™… ®…  ¥…k…“™… +…Œ∫i…™……Â
®……®…±…‰ ®… 20% {…Æ˙* EÚ“  §…GÚ“ ®… ™… n˘ EÚ…‰<« Ω˛… x… Ω˛…i‰ …“ i……‰ =∫…EÚ“ {…⁄Ãi… E‰Ú  ±…B
(ii) ∫…∆ n˘Mv… +…Œ∫i…™…… E‰Ú  ±…B  V…i…x…‰ ¥…π…« =HÚ J……i…… "∫…∆ n˘Mv… EÚ…®… ®… ±……™…… V……i…… ΩË*
+…Œ∫i…' §…x…… Æ˙Ω˛… Ω˲ =∫…E‰Ú +…v……Æ˙ {…Æ˙ |… i…¶…⁄i…  Ω˛∫∫…‰ E‰Ú 5. V…®……Æ˙… ∂…™……ƒ
20%, 30% ™…… 100% EÚ“ n˘Æ˙ {…Æ˙ i…l…… V…Ω˛…ƒ ±……M…⁄ Ω˲, ¥…Ω˛…ƒ
§™……V… EÚ… {…÷x…& x…¥…‰∂… EÚÆ˙x…‰ E‰Ú  ±…B V…®……Æ˙… ∂…™…… {…Æ˙ §™……V… |…i™…‰EÚ
 x…™……«i… @Òh… B¥…∆ M……Æ∆˙]ı“  x…M…®… (<« ∫…“ V…“ ∫…“)/ ∫…⁄I®… B¥…∆ ±…P…÷ ∫…®……{i…  i…®……Ω˛“ E‰Ú  ±…B {…⁄V∆ …“EfiÚi…  EÚ™…… V……i…… Ω˲ B¥…∆ ®…⁄±…v…x… E‰Ú ∞¸{…
=t ®…™…… E‰Ú  ±…B @Òh… M……Æ∆˙]ı“  x… v… x™……∫… (∫…“ V…“ ]ı“ B®… B∫… ®… n˘∂……«™…… V……i…… Ω˲*
69

6. ∫l……™…“˙ +…Œ∫i…™……ƒ B¥…∆ ®…⁄±™…ø…∫… ™……‰V…x…… Ω˲* ∫…¶…“ {……j… EÚ®…«S……Æ˙“ §…ÈEÚ ¶… ¥…π™…  x… v… ™……‰V…x…… E‰Ú
6.1 {… Æ˙∫…Æ˙ B¥…∆ +x™… Œ∫l…Æ˙ +…Œ∫i…™…… EÚ…‰ B‰ i…Ω˛… ∫…EÚ ±……M…i… {…Æ˙ +xi…M…«i… ®…÷x÷ ……°Ú… |……{i… EÚÆ˙x…‰ Ω‰˛i…÷ Ω˛EÚn˘…Æ˙ Ω˲* §…ÈEÚ BEÚ  x…v……« Æ˙i… n˘Æ˙
{… Æ˙EÚ ±…i…  EÚ™…… M…™…… Ω˲* §…ÈEÚ u˘…Æ˙… + v…O… Ω˛i… ¶…⁄ ®… B¥…∆ {…Æ˙ ®…… ∫…EÚ +∆∂…n˘…x… ( °Ú±…Ω˛…±… EÚ®…«S……Æ˙“ E‰Ú ®…⁄±…¥…‰i…x… +…ËÆ˙ {……j…
¶…¥…x…  V…∫…EÚ… {…∆V…“EÚÆ˙h… ±…∆ §…i… Ω˲, EÚ…‰ +…§…∆]ıx…/EÚÆ˙…Æ˙ i…l…… ¶…k…‰ EÚ… 10%) EÚÆ˙i…… Ω˲* ™…‰ +∆∂…n˘…x… §…ÈEÚ u˘…Æ˙… M… `ˆi… +…ËÆ˙
|…i™…I… v…… Æ˙i…… {…j…… E‰Ú +…v……Æ˙ {…Æ˙ {…⁄Vƒ …“EfiÚi…  EÚ™…… M…™…… Ω˲* x™……∫…“ §……‰b˜« u˘…Æ˙… |…∂…… ∫…i… BEÚ  x… v… ®… b˜…±…… V……BM……* §…ÈEÚ EÚ…‰
6.2 ¥…π…« ®… J…Æ˙“n˘ EÚ“ M…<« M…ËÆ˙  ]ıEÚ…> ∫¥…∞¸{… EÚ“ Ø˚{…™…‰ 1,000 +{…x…‰ ¥……Ãπ…EÚ +∆∂…n˘…x… E‰Ú +±……¥…… ¶……¥…“ ¶… ¥…π™…  x… v… ±……¶…… E‰Ú
+l…¥…… EÚ®… EÚ“®…i… EÚ“ BEÚ±… ¥…∫i…÷+ ÷ …‰∆ EÚ…‰ Æ˙…V…∫¥… EÚ…‰ |…¶…… Æ˙i…  ±…B EÚ…‰<« n˘… ™…i¥… x…Ω˛” Ω˲ +…ËÆ˙√ B‰∫…‰ +∆∂…n˘…x…… EÚ…‰ ∫…∆§…∆r˘ ¥…π…« E‰Ú
 EÚ™…… M…™…… Ω˲* ¥™…™…… E‰Ú ∞¸{… ®… ®……x…… V……i…… Ω˲*
6.3 |…h……±…“ ∫……}]ı¥…‰™…Æ˙ ∫… Ω˛i… {… Æ˙∫…Æ˙…, +x™… Œ∫l…Æ˙ +…Œ∫i…™…… {…Æ˙ ii. {… Æ˙¶…… π…i… ±……¶… ™……‰V…x……
®…⁄±™…ø…∫… EÚ… |……¥…v……x… +…™…EÚÆ + v… x…™…®…/ x…™…®… E‰Ú +x…÷∫……Æ˙ B. §…ÈEÚ ={…n˘…x…, {…Â∂…x… +…ËÆ˙ {…÷x…∫…«®…Z……Ëi…… ™……‰V…x……+… EÚ… {… Æ˙S……±…x…
+¥… ±… J…i… ®…⁄±™… |…h……±…“ +…ËÆ˙ nÆ˙…˙ {…Æ˙  x…®x……∆ EÚi…  EÚ™…… EÚÆ˙i…… Ω˲ V……‰ {… Æ˙¶…… π…i… ±……¶… ™……‰V…x……™… ΩÈ˛*
V……i…… ΩË*˛ §…“. §…ÈEÚ ∫…¶…“ {……j… EÚ®…«S…… Æ˙™……Â EÚ…‰ ={…n˘…x… E‰Ú  ±…B |……¥…v……x…
∫…∆. +S…±… |…¶……Æ˙ ®…⁄±™…Ω˛…∫… ®…⁄±™…Ω˛…∫…/ EÚÆ˙i…… Ω˲* ™…Ω˛ ±……¶…  x… Ω˛i… EÚ®…«S…… Æ˙™…… EÚ…‰ ∫…‰¥…… ∫…®……Œ{i…
+…Œ∫i…™…… EÚ“ {…r˘ i… {… Æ˙∂……‰v…x… n˘Æ˙ Æ˙…‰W…M……Æ˙ E‰Ú n˘…ËÆ˙…x… n‰˘Ω˛…xi… Ω˛…‰x…‰ ™…… Æ˙…‰W…M……Æ˙ ∫…®……{…x… {…Æ˙
EÚ… ¥…h…«x… BEÚ®…÷∂i… ¶…÷M…i……x… E‰Ú ∞¸{… ®…  n˘™…… V……i…… Ω˲* ∫…‰¥…… E‰Ú |…i™…‰EÚ
1. EÚ®{™…⁄]ıÆ˙ ∫…“v…“ EÚ]ı…iË …“ |…h……±…“ 33.33% |… i…¥…π…« {…⁄h…« ¥…π…« E‰Ú  ±…B ={…n˘…x… + v… x…™…®… 1972 E‰Ú ¶…÷M…i……x… E‰Ú
2. EÚ®{™…⁄]ıÆ˙ EÚ®… EÚÆ˙EÚ‰ ®…⁄±™… 60% +x…÷∫……Æ˙ EÚ®…«S……Æ˙“ EÚ…‰ n‰˘™… ={…n˘…x… EÚ“ n˘Æ˙ ®…W…n⁄˘Æ˙“ EÚ“ n˘Æ˙ E‰Ú
∫……}]ı¥…‰™…Æ EÚ“ |…h……±…“ +…v……Æ˙ {…Æ˙ 15  n˘x… +…ËÆ˙ {…⁄Æ˙…  EÚB M…B |…i™…‰EÚ ∫……±… E‰Ú  ±…B
Ω˛…b«˜¥…‰™…Æ˙ EÚ… EÚ®…«S……Æ˙“ u˘…Æ˙… +∆ i…®… +…Ω˛ Æ˙i… ¥…‰i…x… Ω˲* BEÚ EÚ®…«S……Æ˙“ EÚ…‰
∫…®…O… ¶……M… Ω˲ +{…x…‰ Æ˙…V‰ …M……Æ˙ EÚ“ ∫…®……Œ{i… {…Æ˙ 5 ∫……±… ∫…‰ + v…EÚ +¥… v… E‰Ú
3. EÚ®{™…⁄]ıÆ˙ ∫…“v…“ EÚ]ı…Ëi…“ |…h……±…“ + ¶…O…Ω˛h… E‰Ú  ±…B  x…Æ˙xi…Æ˙ ∫…‰¥…… EÚÆ˙x…‰ E‰Ú §……n˘ (∫…‰¥……  x…¥…fi k…, {…n˘-i™……M…,
∫……}]ı¥…‰™…Æ˙ V……‰ ¥…π…« ®… 100% ®…fii™…÷ +… n˘ E‰Ú ∫…∆§…xv… ®…Â) n‰˘™… Ω˲* B∫… §…“ ]ı“ (EÚ®…«S……Æ˙“)
Ω˛…b«˜¥…‰™…Æ˙ EÚ… ={…n˘…x…  ¥… x…™…®…x… 1972 E‰Ú +xi…M…«i… {……j… Ω˛…,‰ <∫…E‰Ú  ±…B
EÚ®… ∫…‰ EÚ®… 10 ¥…π…« EÚ“ ∫…‰¥…… S…… Ω˛B* §…ÈEÚ, x™……∫…“ §……‰b˜« u˘…Æ˙…
∫…®…O… ¶……M…
|…∂…… ∫…i…  x… v… EÚ…‰ ¥……Ãπ…EÚ +∆∂…n˘…x…, ¥……Ãπ…EÚ ∞¸{… ®…  EÚB M…B
E‰Ú ∞¸{… ®…Â
n‰˘x…n˘…Æ˙“ ®…⁄±™……∆EÚx… E‰Ú +…v……Æ˙ {…Æ˙ EÚÆ˙i…… Ω˲* ={…n˘…x… + v… x…™…®…
x…Ω˛” Ω˛…‰i…… Ω˲ E‰Ú +x…÷∫……Æ˙ n‰˘™… + v…EÚi…®… Æ˙… ∂… Ø˚. 3.50 ±……J… Ω˲* B∫… §…“
6.4 ¥…π…« E‰Ú n˘…ÆË ˙…x… +ÃV…i… +…Œ∫i…™…… E‰Ú ∫…∆§…∆v… ®…Â, 182  n˘x…… i…EÚ ]ı“ (EÚ®…«S…… Æ˙™…… EÚ…‰ ={…n˘…x… EÚ… ¶…÷M…i……x…)  ¥… x…™…®… E‰Ú +x…÷∫……Æ˙
={…™……‰M… EÚ“ M…<« +…Œ∫i…™…… Ω‰˛i…÷ ¥…π…« ®… +…v…… EÚ… ®…⁄±™…ø…∫… |…¶…… Æ˙i… ™…Ω˛ Ø˚. 3.50 ±……J… E‰Ú >{…Æ˙ ¶…“ V…… ∫…EÚi…… Ω˲* =SS…i…Æ˙ Æ˙… ∂…
 EÚ™…… V……i…… Ω˲, EÚ®{™…⁄]ıÆ˙ B¥…∆ ∫……}]ı¥…‰™…Æ˙ E‰Ú ®…⁄±™…ø…∫… EÚ…‰ UÙ…c‰ ˜EÚÆ˙ EÚ®…«S……Æ˙“ EÚ…‰ |…n˘…x…  EÚ™…… V……BM……*
182  n˘x…… ∫…‰ + v…EÚ EÚ“ +¥… v… E‰Ú  ±…B ={…™……‰M… EÚ“ M…<« +…Œ∫i…™…… ∫…“. {…Â∂…x… E‰Ú  ±…B  ¥…EÚ±{…  n˘B M…B ∫…¶…“ {……j… EÚ®…«S…… Æ˙™…… EÚ…‰
E‰Ú ∫…®§…xv… ®… {…⁄Æ˙‰ ¥…π…« E‰Ú  ±…B  V…∫…E‰Ú  ±…B +…Œ∫i… |…™……‰M… EÚ“ M…<« §…ÈEÚ {…Â∂…x… n‰˘i…… Ω˲* ™…Ω˛ ±……¶…  x…™…®…… E‰Ú +x…÷∫……Æ˙ ®…… ∫…EÚ
l…“ EÚ“ +¥… v… EÚ…‰ UÙ…c‰ ˜EÚÆ˙ {…⁄Æ˙‰ ¥…π…« E‰Ú  ±…B |…¶……Æ˙  ±…™…… V……i…… Ω˲* ¶…÷M…i……x… E‰Ú ∞¸{… ®… +…ËÆ˙ ∫…‰¥…… x…¥…fi k…, Æ˙…V‰ …M……Æ˙ E‰Ú n˘…ÆË ˙…x… ®…fii™…÷
7. EÚ®…«S……Æ˙“ E‰Ú  Ω˛i……l…« ™…… Æ˙…V‰ …M……Æ˙ E‰Ú ∫…®……{…x… {…Æ˙  x… Ω˛i… EÚ®…«S…… Æ˙™……Â EÚ…‰  x…™… ®…i…
¶…÷M…i……x… E‰Ú ∞¸{… ®…  n˘™…… V……i…… Ω˲*  x…™…®… E‰Ú +x…÷∫……Æ˙ ¶…÷M…i……x…
7.1 +±{……¥… v… EÚ®…«S……Æ˙“ ±……¶…
EÚ“ |… GÚ™……  ¥… ¶…z… S…Æ˙h…… ®… Ω˛…i‰ …“ ΩÈ˛* §…ÈEÚ x™……∫…“ §……‰b˜« u˘…Æ˙…
+±{……¥… v… EÚ®…«S……Æ˙“ ±……¶… EÚ“ Æ˙… ∂… V…Ë∫…‰ +…EÚŒ∫®…EÚ U÷Ù]ı¬]ı“ +…ËÆ˙ |…∂…… ∫…i…  x… v… EÚ…‰ ¥……Ãπ…EÚ +∆∂…n˘…x… ¥……Ãπ…EÚ ∞¸{… ®…  EÚB M…B
 S… EÚi∫…… ±……¶…  V…∫…EÚ… EÚ®…«S……Æ˙“ u˘…Æ˙… EÚ“ M…<« ∫…‰¥……+… E‰Ú §…n˘±…‰ ®… §……Ω˛Æ˙“ n‰x…˘n˘…Æ˙“ ®…⁄±™……∆EÚx… E‰Ú +…v……Æ˙ {…Æ˙ EÚÆ˙i…… Ω˲*
n‰˘x…‰ E‰Ú  ±…B |…i™…… ∂…i… Ω˲, =xΩ² EÚ®…«S……Æ˙“ u˘…Æ˙… EÚ“ M…<« =HÚ ∫…‰¥…… b˜“. {… Æ˙¶…… π…i… ±……¶… E‰Ú  ±…B ±……M…i… |…i™…‰EÚ i…÷±…x…{…j…  n˘x……∆EÚ ∫…‰
+¥… v… E‰Ú n˘…ÆË ˙…x… E‰Ú  ±…B ®……x…  ±…™…… V……BM……* n‰˘x…n˘…Æ˙“ ®…⁄±™……∆EÚx… ∫… Ω˛i… |……‰V…‰C]ıc˜ <EÚ…<« ±……M…i… ∫…‰  x…v……« Æ˙i…
7.2 Æ˙…V‰ …M……Æ˙ {…∂S……i… ±……¶… EÚÆ˙i…… Ω˲* n‰˘x…n˘…Æ˙“ ±……¶… / Ω˛… x…, ±……¶… B¥…∆ Ω˛… x…  ¥…¥…Æ˙h…“ ®…Â
i…÷Æ˙xi… Ω˛“ {…Ω˛S……x…… V……i…… Ω˲ +…ËÆ˙ ∫l… M…i… x…Ω˛”  EÚ™…… V……i…… Ω˲*
i. {… Æ˙¶…… π…i… +∆∂…n˘…x… ™……‰V…x……
<«. §…ÈEÚ x…‰ Æ˙…V…∫¥… +…ËÆ˙ +x™… +…Æ˙I…h… E‰Ú |… i… {… Æ˙¶…… π…i… ±……¶…
§…ÈEÚ ®… BEÚ ¶… ¥…π™…  x… v… ™……‰V…x…… S……±…⁄ Ω˲ ¥…Ω˛“ {… Æ˙¶…… π…i… +∆∂…n˘…x… ™……‰V…x……+… E‰Ú  ±…B B B∫… 15 (2005) +{…x……x…‰ ∫…‰ {… Æ˙¥…i…‘
70

n‰˘™…i…… EÚ…‰ {…Ω˛S……x…x…‰ EÚ…  ¥…EÚ±{…  EÚ™…… Ω˲* ˙§…ÈEÚ E‰Ú  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ ∫…Æ˙EÚ…Æ˙“ M……Æ∆˙ ]ı“EfiÚi… J……i…‰
iii. +x™… n˘“P……«¥… v… EÚ®…«S……Æ˙“ ±……¶…  V…x…∫…‰ §™……V… |……{i… x…Ω˛” Ω˛…i‰ …… Ω˲*
B. §…ÈEÚ E‰Ú ∫…¶…“ {……j… EÚ®…«S……Æ˙“ +{…x…‰ +ÃV…i… +¥…EÚ…∂… E‰Ú E÷ÚUÙ §…“. ¶……Æ˙i…“™…  Æ˙W…¥…« ˙§…ÈEÚ E‰Ú  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ ®™…⁄S…÷+±… °∆Úb˜…Â
+∆∂… EÚ… x…EÚn˘“EÚÆ˙h…, Æ˙…‰W…M……Æ˙ E‰Ú ∫…®…™… ™…… ∫…‰¥…… x…¥…fi k… EÚ“ ™…⁄ x…]ı… {…Æ˙  ¥…i… Æ˙i… +…™… B¥…∆ ∂…‰™…Æ˙… ®… Ω÷˛B  x…¥…‰∂… {…Æ˙
{…Æ˙, n‰˘Ω˛…xi… Ω˛…x‰ …‰ {…Æ˙ ™…… Æ˙…W‰ …M……Æ˙ ∫…®……{…x… {…Æ˙, BEÚ + v…EÚi…®… ±……¶……∆∂…
Æ˙… ∂… E‰Ú +v…“x… EÚÆ˙ ∫…EÚi…… Ω˲* V…§… EÚ¶…“ n‰˘™…i…… §…g¯i…“ Ω˲ ∫…“. ±……ÏEÚÆ˙  EÚÆ˙…™…‰
=∫… ∫…®…™… §…ÈEÚ u˘…Æ˙… |…n˘k… EÚ“ V……i…“ Ω˲* b˜“. J…Æ˙“n‰˘ M…B ®……∆M…  §…±…… {…Æ˙  ¥… x…®…™…
§…“. {… Æ˙¶…… π…i… ±……¶… E‰Ú  ±…B ±……M…i… |…i™…‰EÚ i…÷±…x…{…j…  n˘x……∆EÚ ∫…‰ <. ¶……Æ˙i…“™…  Æ˙W…¥…« ˙§…ÈEÚ E‰Ú  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ + i…n‰˘™…  §…±……Â
n‰˘x…n˘…Æ˙“ ®…⁄±™……∆EÚx… ∫… Ω˛i… |……‰V…‰C]ıc˜ <EÚ…<« ±……M…i… ∫…‰  x…v……« Æ˙i… EÚ… §™……V… =M……Ω˛“ +…v……Æ˙ {…Æ˙ Ω˛…,‰ B¥…∆
EÚÆ˙i…… Ω˲*  ¥…M…i… ∫…‰¥…… ±……M…i… EÚ… ±……¶… Ω˛… x…  ¥…¥…Æ˙h…“ ®… B°Ú. GÚ…∫… ∫…‰À±…M… =i{……n˘… {…Æ˙ +…™…, B¥…∆
i…÷Æ˙xi… Ω˛“ {…Ω˛S……x…  EÚ™…… V……i…… Ω˲ +…ËÆ˙ ∫l… M…i… x…Ω˛”  EÚ™…… V…“. Bx… {…“ B J……i…… ®… EÚ“ M…<« ¥…∫…⁄ ±…™…… E‰Ú ∫…∆§…∆v… ®… ∫…®……™……‰V…x… EÚ“
V……i…… Ω˲* M…<« ¥…∫…⁄ ±…™……ƒ |…¶……Æ˙, §™……V… +…ËÆ˙ =∫…E‰Ú §……n˘ ∫… GÚ™… Bx… {…“ B ®…Â
8. EÚÆ˙…v……x… Ω‰˛i…÷ |……¥…v…˘…x…˙ ®…⁄±…v…x… E‰Ú GÚ®… ®… ∫…®……™……‰ V…i…  EÚ™…… V……i…… Ω˲ +…ËÆ˙ |…∫……ŒI™…i…
B) +…™… EÚÆ˙ ¥™…™… E‰Ú +xi…M…«i… S……±…⁄ EÚÆ˙, +…∫l… M…i… EÚÆ˙, +…ËÆ˙  §…±… J……i…… E‰Ú ∫…∆§…∆v… ®… EÚ“ M…<« ¥…∫…⁄ ±…™……ƒ ®…⁄±…v…x…, |…¶……Æ˙, +…ËÆ˙
 £ÚxV… §…‰ x… °Ú]ı EÚÆ˙ |…¶……Æ˙ EÚ“ E÷Ú±… Æ˙… ∂… +…i…“ Ω˲* S……±…⁄ =∫…E‰Ú §……n˘ §™……V…˜ GÚ®… ®… ∫…®……™……‰ V…i…  EÚ™…… V……i…… Ω˲*
¥…π…« EÚ… ¥…i…«®……x…  x…™…®… +…ËÆ˙ B B∫… 22 E‰Ú ∫……l… +…™… EÚÆ˙, 9.2 ¥™…™…
 x…v……« Æ˙i…  EÚ™…… V……i…… Ω˲* +…∫l… M…i… EÚÆ˙ ∫…®……™……‰V…x… ®… + i…n‰˘™… V…®……Æ…˙ ∂…™…… B¥…∆ ∫…®{… k… EÚÆ˙… {…Æ˙ §™……V… EÚ…‰ UÙ…c‰ ˜EÚÆ˙
+¥… v… E‰Ú n˘…ÆË ˙…x… +…∫l… M…i… EÚÆ˙ +…Œ∫i…™…… ™…… n‰˘™…i……+… ®… Æ˙…V…∫¥… ¥™…™… ={…S…™… +…v……Æ˙ {…Æ˙ {… Æ˙EÚ ±…i…  EÚ™…… Ω˲,  V…∫…EÚ…‰
{… Æ˙¥…i…«x… +…i…… Ω˲* Æ˙…E‰ Úc˜ +…v……Æ˙ E‰Ú  ±…B {… Æ˙EÚ ±…i…  EÚ™…… M…™…… Ω˲*
§…“) +…Œ∫i…™…… +…ËÆ˙ n‰˘™…i……+… E‰Ú P……]ı… {…⁄Ãi… ®…⁄±™…… E‰Ú §…“S… +…ËÆ˙ 10.  x…¥…±… ±……¶…
=x…E‰Ú ∫…∆§…r˘ EÚÆ˙ +…v……Æ˙ {…Æ˙ +…ËÆ˙ P……]ı… {…⁄Ãi… Ω˛… x…™…… ∫…‰ ±……¶…-Ω˛… x… ±…‰J…‰ ®… n˘∂……«™…… M…™……  x…¥…±… ±……¶…,  x…®x… Ω‰˛i…÷ |……¥…v……x…… E‰Ú
=i{…z… ∫…®…™…  ¥… ¶…z…i……+… E‰Ú ¶……¥…“ EÚÆ˙ {… Æ˙h……®… E‰Ú  ±…B {…∂S……i…¬˘ Ω˲*
+…∫l… M…i… EÚÆ˙ +…Œ∫i… +…ËÆ˙ n‰˘™…i……+… EÚ… {…Ω˛S……x…  EÚ™……  +…™… (±…‰J…… ®……x…EÚ BB∫… 22 - +…™… {…Æ˙ EÚÆ˙ Ω‰˛i…÷ ±…‰J…… E‰Ú
V……i…… Ω˲* +…∫l… M…i… EÚÆ˙ +…Œ∫i…™……ƒ +…ËÆ˙ n‰˘™…i……Bƒ EÚÆ˙ n˘Æ˙… +x…÷∫……Æ˙ +…˙∫l… M…i… EÚÆ˙  x…v……«Æ˙h… ∫… Ω˛i…) B¥…∆ ∫…∆{… k… {…Æ˙ |…i™…I…
+…ËÆ˙ ±……M…⁄  EÚB M…B EÚÆ˙  x…™…®……Â ™…… i…÷±…x…{…j…  n˘x……∆EÚ ∫…‰ {…⁄¥…« EÚÆ˙;
 ¥…∫i…fii… ∞¸{… ∫…‰ ±……M…⁄  EÚB M…B EÚÆ˙  x…™…®…… u˘…Æ˙… x……{…… V……i……  +∂……‰v™… +…ËÆ˙ ∫…∆ n˘Mv… + O…®…;
Ω˲* +…∫l… M…i… EÚÆ˙ +…Œ∫i…™…… +…ËÆ˙ n‰˘™…i……+… ®… {… Æ˙¥…i…«x… EÚ…  ¶……  Æ˙ §…È  x…n‰˘∂…… E‰Ú +x…÷∫……Æ˙  x…¥…‰∂…… E‰Ú ®…⁄±™… ®… ∫…®……™……‰V…x…,
|…¶……¥… ±……¶… +…ËÆ˙ Ω˛… x… J……i…‰ ®… {…Ω˛S……x…… V……i…… Ω˲* ™… n˘ EÚ…‰<« Ω˲ i……‰,
∫…“) +…∫l… M…i… EÚÆ˙ +…Œ∫i…™……ƒ Ω˛Æ˙ BEÚ  Æ˙{……‰Õ]ıM…  n˘x……∆EÚ EÚ…‰  ®……x…EÚ +…Œ∫i…™…… {…Æ˙ |……¥…v……x…
|…§…xv…x… E‰Ú  x…h…«™… V…Ë∫…‰ ¥…∫…⁄±…“ EÚ…‰ ®……x…  ±…™…… V……x…… Ω˲ ™……  {…÷x…&∫…∆Æ˙ S…i… J……i…… {…Æ˙ EÚ®…  EÚ™…… M…™…… §™……V…
x…Ω˛”, E‰Ú +…v……Æ˙ {…Æ˙ {…Ω˛S……x…… +…ËÆ˙ {…÷x…&®…⁄±™……∆ EÚi…  EÚ™……  M…ËÆ˙  x…π{……n˘EÚ  x…¥…‰∂…
V……i…… Ω˲*  +…EÚŒ∫®…EÚi……+… EÚ…‰ +∆i…Æ˙ +…ËÆ˙
+…∫l… M…i… EÚÆ˙ +…Œ∫i…™…… EÚ…‰ +x……Ë∂…‰ π…i… ®…⁄±™…Ω˛…∫… +…ËÆ˙ EÚÆ˙  +x™… ∫……®……x™… B¥…∆ +…¥…∂™…EÚ |……¥…v……x…
Ω˛… x…™…… ∫…‰ P……]ı… {…⁄Ãi… {…Æ˙ {…Ω˛S……x…… V……i…… Ω˲  ∫…°«Ú =∫… +¥…∫…Æ˙ 11. |……¥…v……x…, +…EÚŒ∫®…EÚ n‰˘™…i……+… +…ËÆ˙ +…EÚŒ∫®…EÚ +…Œ∫i…™…… EÚ“
{…Æ˙  EÚ ∫…Ω˛“ ®……x…‰ ®… ™…Ω˛ ∫…∆¶…¥… Ω˛…‰ V……i……  EÚ B‰∫…‰ +…∫l… M…i… ±…‰J…… ¥… v…
EÚÆ˙ +…Œ∫i…™…… EÚ“ ¥…∫…⁄±…“ ¶……¥…“ ±……¶… ∫…‰ EÚ“ V…… ∫…EÚi…“ Ω˲*
¶……Æ˙i…“™… ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…∆∫l…… u˘…Æ˙… V……Æ˙“ B B∫… 29 ""|……¥…v……x…,
9. Æ˙…V…∫¥…  x…v……«Æ˙h… +…EÚŒ∫®…EÚ n‰˘™…i……+… +…ËÆ˙ +…EÚŒ∫®…EÚ +…Œ∫i…™……Â'' E‰Ú +x…÷∞¸{… §…ÈEÚ
9.1 +…™… E‰Ú¥…±… |……¥…v……x…… EÚ…‰ {…Ω˛S……x…i…… Ω˲ V…§…  ¥…M…i… P…]ıx…… E‰Ú °Ú±…∫¥…∞¸{…
§™……V… +…ËÆ˙ +x™… +…™… EÚ…  x…v……«Æ˙h… ={… S…i… +…v……Æ˙ {…Æ˙  EÚ™…… M…™…… ¥…i…«®……x… §……v™…i…… Ω˛…i‰ …“ Ω˲* ™…Ω˛ ∫…∆¶…¥… Ω˲  EÚ +…Ãl…EÚ ±……¶… |…∫i…÷i…
Ω˲ V…§… EÚ  x…®x… EÚ…  x…v……«Æ˙h… x…EÚn˘ +…v……Æ˙ {…Æ˙  EÚ™…… M…™…… Ω˲: EÚÆ˙x…‰ ¥……±…‰ ª……‰i…… E‰Ú §… Ω˛M…«®…x… §……v™…i……+… E‰Ú  x…{…]ı…Ɖ˙ E‰Ú  ±…B
B. Bx… {…“ B {…Æ˙ §™……V… B¥…∆ +x™… +…™…, ∫…®…™… ∫…‰ §……Ω˛Æ˙ E‰Ú +…¥…∂™…EÚ Ω˛…‰ V……BM…… +…ËÆ˙ V…§… §……v™…i…… EÚ“ Æ˙… ∂… EÚ… BEÚ  ¥…∑…∫…x…“™…
EÚ…™……«x¥…™…x… E‰Ú +v…“x… |…I…‰{…h… EÚ“ M…<« Ω˲ i…l…… ¶……Æ˙i…“™…  Æ˙W…¥…« |……CEÚ±…x…  EÚ™…… V…… ∫…EÚi…… Ω˲*
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SCHEDULE 17 - PRINCIPAL to Maturity, Available for Sale and Held for Trading
ACCOUNTING POLICY - 2008-09 categories. Under each of the categories investments are
further classified into the following six groups in the balance
1. GENERAL sheet:
The accompanying financial statements have been prepared  Government Securities  Other Approved Securities

under the historical cost basis as modified for foreign  Shares  Debentures and Bonds  Subsidiaries / Joint

currency transactions and they conform to Generally Ventures, and  Others (CPs, Mutual Funds, Units, etc)
Accepted Accounting Principles (GAAP) in India, which 3.2 Basis of Classification
comprise the statutory provisions, guidelines of regulatory
authorities, Reserve Bank of India (RBI), accounting Investments that the Bank intends to hold till maturity are
standards, guidance notes issued by the Institute of classified as Held to Maturity.
Chartered Accountants of India (ICAI) and the practices Investments that are held principally for resale within 90
prevalent in the banking industry in India. days from the date of purchase are classified as Held for
Trading.
2. TRANSACTIONS INVOLVING Investments that are not classified in the above two
FOREIGN EXCHANGE categories are classified as Available for Sale.
2.1 Monetary assets and liabilities denominated in Foreign An investment is classified as Held to Maturity, Available
Currencies have been translated at the Foreign for sale or Held for Trading at the time of its purchase
Exchange Dealers Association of India (FEDAI) rates and subsequent shift amongst categories is done in
prevailing on the Balance Sheet date. conformity with Regulatory Guidelines.
2.2 Guarantees / Standby Letters of Credit, Letters of
Credit, Interest Rate Swaps, Forward Rate 3.3 Valuation
Agreements, Foreign Currency Options and Forward (i) In determining the acquisition cost of an investment:
Exchange Contracts are translated at FEDAI rates
a: Brokerage/commission received on subscription is reduced
on the Balance Sheet date.
from the cost.
2.3 Income and Expenses are translated at the exchange
b: Brokerage/commission etc., paid in connection with the
rates prevailing on the date of the respective
acquisition of investments are charged to revenue and
transactions. Interest earned but not due on foreign
not included in cost.
currency funds deployed abroad, are translated at
the FEDAI rates as on the balance sheet date. c: Broken period interest paid/received on debt
instruments is treated as interest expended/income and
2.4 In accordance with the guidelines of FEDAI all
is excluded from cost/sale consideration.
outstanding forward exchange contracts in each
currency are revalued on the Balance Sheet date at d: Cost is determined on the weighted average cost
the corresponding forward rates for the respective method.
maturity of the contract. The difference between e: The transfer of a security amongst the above three
revalued amount and the contracted amount is categories is accounted for at the least of the acquisition
recognized as profit or loss, as the case may be. cost/book value/market value on the date of transfer
2.5 Premium received / paid on outstanding currency and the depreciation, if any, on such transfer is fully
options has been accounted for as per FEDAI provided for.
guidelines. (ii) Treasury Bills, Certificates of Deposits and Commercial
Papers are valued at carrying cost.
3. INVESTMENTS - Domestic (iii) Held to Maturity categories:
Investments are accounted for in accordance with the Each security under Held to Maturity category is carried
extant regulatory guidelines. The Bank follows transaction at acquisition cost or at amortized cost, if acquired at a
date method for accounting of its investments. premium over the face value. Any premium on acquisition
is amortized over the remaining maturity period of the
3.1 Classification security on constant yield basis. Such amortization of
Investments are classified into three categories namely: Held premium is adjusted against income under the head
“Interest on investments.”
72

Profit on sale/redemption of securities held under “Held To (vi) Investments are classified as performing and non-
Maturity” category is recognized as income and appropriated performing based on the following guidelines issued by
to Capital Reserve net of taxes and mandatory transfer to the RBI:
statutory reserves.
a) Interest / Instalment (including maturity proceeds) is
(iv) Available for Sale and Held for Trading categories: due and remains unpaid for more than 90 days.
a. The market value of investments held under the Available b) In the case of equity shares, in the event of the
For Sale category is determined as per Reserve Bank of investment in the share of any company is valued at
India guidelines as under: Re.1/- per company on account of the non-availability
 Central Government Securities: Marked to market on of the latest balance sheet, those equity shares would
the basis of prices declared for the purpose of valuation be reckoned as NPI.
jointly by Fixed Income Money Market and Derivatives
c) If any credit facility availed by the issuer is NPA in the
Association of India (FIMMDA) and Primary Dealers
books of the Bank, investment in any of the securities
Association of India (PDAI).
issued by the same issuer would also be treated as
 State Government Securities and Other Trustee NPI and vice versa.
Securities: Marked to market on the basis of prices
derived out of the yield for respective maturities d) The above would apply mutatis mutandis to preference
declared for the purpose of valuation jointly by shares where the fixed dividend is not paid.
FIMMDA and PDAI. e) The investments in debentures / bonds, which are
 Shares: Wherever Stock Exchange quotations are deemed to be in the nature of advance, are also
available valuation is done as per lower of the subjected to NPI norms as applicable to investments.
quotations in Bombay Stock Exchange or National
f) The Bank has adopted the Uniform Accounting
Stock Exchange. Wherever current quotations are not
Procedure prescribed by the RBI for accounting of
available and in respect of unquoted shares (i) Valuation
Repo and Reverse Repo transactions (other than
as per Book Value (without considering Revaluation
transactions under the Liquidity Adjustment Facility
Reserves, if any) ascertained from the latest Balance
[LAF] with the RBI). Accordingly, the securities sold/
Sheet of the Company (which is not more than one
purchased under Repo/Reverse Repo are treated
year prior to the date of valuation) (ii) In case the
as outright sales/purchases and accounted for in the
latest Balance Sheet is not available, the shares are
Repo/Reverse Repo Accounts, and the entries are
valued at Re.1/- per Company.
reversed on the date of maturity. Costs and
 Bonds & Debentures: Valued on the YTM method
revenues are accounted as interest expenditure/
for the respective maturity and rating put out by income, as the case may be. Balance in Repo/
FIMMDA and PDAI. Reverse Repo Account is adjusted against the
 Mutual Fund Units: Quoted Mutual Fund Units are balance in the Investment Account.
valued as per Net Asset Value as declared by the Mutual
g) Securities purchased/sold under LAF with RBI are
Fund.
debited/credited to Investment account and reversed
 Treasury Bills are valued at carrying cost.
on maturity of the transaction. Interest expended/
 Preference Shares are valued at lower of market value earned thereon is accounted for as expenditure/
determined on YTM basis and its redemption value. revenue.
Each security in the above two categories is revalued at
the market price or fair value determined as per Regulatory 3.4 Interest Rate Swaps and
Guidelines and only the net depreciation of each group Forward Rate Agreements
for each category is provided for and net appreciation is (a) Interest Rate Swaps and Forward Rate Agreements have
ignored. On provision for depreciation, the book value of been undertaken for hedging purposes only and hence
the individual securities remains unchanged after marking the cash flows are accounted on accrual basis and the
to market. balances are carried at Notional Principal Value.
(v) Security receipts issued by an Asset Reconstruction (b) When a hedge becomes naked in part or full owing to
Company (ARC) are valued in accordance with the shrinking portfolio, and if allowed to continue till
guidelines applicable for Non SLR investments. maturity, it is marked to market at regular intervals.
73

(c) The periodical net cash flows arising out of Interest 4.4 Restructuring of Advances
Rate Swaps in domestic currency are booked as
In respect of restructured accounts, where the outstanding
income/expenditure.
is Rs.1 crore and above, the erosion in the fair value of the
(d) The periodical net cash flows arising out of Interest advance is computed as the difference between the fair
Rate Swaps in foreign currency are booked as income/ value of the loan before and after restructuring. Fair value
expenditure and form part of the exchange position in of the loan before restructuring is computed as the present
Forex transactions. value of cash flows representing the interest at the existing
(e) The Interest Rate Swaps and Forward Rate Agreements rate charged on the advance before restructuring and the
in foreign currency are valued at FEDAI rate prevailing principal, discounted at a rate equal to the bank’s BPLR as
on the Balance Sheet date and the outstanding position on the date of restructuring plus the appropriate term
is shown under Contingent liabilities. premium and credit risk premium for the borrower category
(f) Gain/Loss arising out of swap transactions in respect on the date of restructuring. Fair value of the loan after
of Tier I / II Bonds, is computed separately. Losses, if restructuring is computed as the present value of cash flows
any, are fully provided for. Gains on reset or sale is representing the interest at the rate charged on the advance
recognised as Income and appropriated to Special on restructuring and the principal, discounted at a rate equal
Reserve net of taxes and mandatory transfer to to the bank’s BPLR as on the date of restructuring plus the
statutory reserve. appropriate term premium and credit risk premium for the
borrower category on the date of restructuring.
4. ADVANCES In respect of restructured accounts, where the outstanding
4.1 All advances have been classified under four categories is less than Rs.1 crore, the amount of diminution in the Fair
i.e., (i) Standard Assets (ii) Sub-Standard Assets (iii) value, has been computed at 5.0 % of the outstanding.
Doubtful Assets and (iv) Loss Assets as per RBI directives/ 4.5 In the case of suit filed accounts, legal expenses are
guidelines. charged to Profit & Loss account.
4.2 Advances shown in the Balance Sheet are net of:
4.6 Financial assets sold to Asset Reconstruction Company
a) Provision made on Non-Performing Assets (NPAs)
(ARC)/ Securitisation Company (SC) are recognised as
b) Uncollected Interest Income in respect of NPAs
under:
c) Bills rediscounted with IDBI/SIDBI
d) Claims received a. In case the sale is at a price lower than the Net Book
e) Diminution in fair value in Restructured Assets Value (NBV), the difference is charged to the Profit &
Loss account.
4.3 Provision on advances have been made in accordance
b. In the case the sale is at a price higher than the NBV,
with RBI guidelines/directives as under:
the surplus provision is not reversed but held separately
a. For Standard Assets: for meeting the loss if any on future sale of financial
i. 0.25% on direct advances to agriculture and SME assets.
sectors
ii. 0.40% on all other advances.
5. DEPOSITS
b. For all Non-Performing Assets (NPAs):
Interest on deposits with provision for re-investment of
i) Sub-standard Assets at 10% of the outstanding in the
interest is capitalized for every completed quarter and
case of ab initio secured exposure and 20 % in the
shown as principal.
case of ab initio unsecured exposure.
ii) Doubtful assets at 20%, 30% or 100% of the secured 6. FIXED ASSETS & DEPRECIATION
portion based on the number of years the account
remained as “Doubtful Asset” and at 100% of the 6.1 Premises and other fixed assets have been accounted
unsecured portion of the outstanding after netting for at historical cost. Pending registration, the land and
retainable amount of the guarantee cover under the buildings acquired by the Bank are capitalized, based on
scheme of Export Credit and Guarantee Corporation letters of allotment/agreement and physical possession.
(ECGC) / Credit Guarantee Fund Trust for Micro and 6.2 Individual items costing Rs.1,000 or less are charged to
Small Enterprises (CGTMSE), wherever applicable, and revenue in the year of purchase.
iii) Loss Assets at 100%.
74

6.3 Depreciation on premises and other fixed assets including schemes, which are defined benefit plans.
system software is provided for on written down value b. The Bank provides for gratuity to all eligible employees.
method in the manner and at rates as per Income Tax The benefit is in the form of lump sum payments to
Act/Rules except as under: vested employees on superannuation, on death while
No. Description Method of Depreciation in employment or on termination of employment. The
of fixed charging / amortisation rate of gratuity payable to an employee is 15 days based
assets depreciation rate on the rate of wages / salary last drawn by the employee
as per the Payment of Gratuity Act 1972 for every
1. Computers Straight 33.33% completed year of service. Gratuity is payable to an
Line Method every year employee on the termination of his employment after
2. Computer Written Down 60% he has rendered continuous service for a period of not
Software Value Method less than 5 years (on retirement, resignation, except
forming an death & disablement). To be eligible under SBT
integral part (Employees) Gratuity Regulations 1972, minimum
of hardware service required is 10 years. The Bank makes annual
3. Computer Straight 100% in the contribution to the Fund administered by the Board of
Software which Line Method year of Trustees based on independent actuarial valuation
does not form acquisition carried out annually. The maximum amount payable
an integral part as per the Gratuity Act is Rs.3.50 lacs. As per the SBT
of hardware (Payment of Gratuity to employees) Regulations, it can
go beyond Rs. 3.50 lacs. The higher amount will be
6.4 In respect of assets acquired during the year, depreciation paid to the employees.
is charged for half year in respect of assets used for 182 c. The Bank provides for pension to all eligible employees
days or less and for the full year in respect of assets used who have opted for pension. The benefit is in the form
for more than 182 days, except depreciation on computers of monthly payments as per rules and regular payments
and software, which is charged for the full year irrespective to vested employees on retirement, on death while in
of the period for which the asset was put to use. employment, or on termination of employment. Vesting
occurs at different stages as per rules. The Bank makes
7. EMPLOYEE BENEFITS annual contributions to fund administered by Board of
Trustees based on an independent external actuarial
7.1 Short Term Employee benefits valuation carried out annually.
Amount of short-term employee benefits, such as casual
d. The cost of providing defined benefits is determined
leave and medical benefits, expected to be paid in exchange
using the projected unit credit method with actuarial
for the services rendered by employees is recognised during
valuations being carried out at each balance sheet date.
the period when the employee renders the service.
Actuarial gains/losses are immediately recognised in the
statement of profit and loss and are not deferred.
7.2 Post Employment benefits
e. The bank has exercised the option of recognising the
i. Defined Contribution Plan transitional liability on adoption of AS15 (2005) for its
The Bank operates a Provident Fund scheme, which is a defined benefit schemes against revenue and other
defined contribution plan. All eligible employees are entitled reserves.
to receive benefits under the Bank’s Provident Fund scheme.
The Bank contributes monthly at a determined rate iii. Other Long Term Employee benefits:
(currently 10% of employee’s basic pay plus eligible a. All eligible employees of the bank are eligible to encash
allowance). These contributions are made to a fund set up certain portion of their earned leave while in
by the Bank and administered by a Board of Trustees. The employment or on retirement, on death or on
Bank has no liability for future provident fund benefits other termination of employment, subject to a maximum
than its annual contribution, and recognises such amount. This is paid by the Bank as and when the liability
contributions as an expense in the year to which they relate. arises.
ii. Defined Benefit Plan b. The cost of providing other long-term benefits is
a. The bank operates gratuity, pension and resettlement determined using the projected unit credit method with
75

actuarial valuations being carried out at each balance e. Interest on Overdue bills on realization basis, as per
sheet date. Past service cost is immediately recognised Reserve Bank of India guidelines;
in the statement of profit and loss and is not deferred. f. Income on cross selling products, and
g. Adjustment in respect of recoveries made in NPA
8. PROVISION FOR TAXATION Accounts - the recoveries made are appropriated in
a. Income tax expense is the aggregate amount of current the order of Charges, Interest and then to Principal in
tax, deferred tax, fringe benefit tax and wealth tax. live NPA and in respect of protested bills accounts, the
Current year taxes are determined in accordance with recoveries made are appropriated in the order of
the prevailing laws and AS 22. Deferred tax adjustments Principal, Charges and then to Interest.
comprise changes in the deferred tax assets or liabilities
during the period. 9.2 EXPENDITURE
b. Deferred tax assets and liabilities are recognised on a Revenue expenditure is accounted for on accrual basis
prudent basis for the future tax consequences of timing except interest on deposits under special schemes and
differences arising between the carrying values of assets Property Taxes, which are accounted for on cash basis.
and liabilities and their respective tax basis, and carry
forward losses. Deferred tax assets and liabilities are 10. NET PROFIT
measured using tax rates and tax laws that have been The net profit disclosed in the Profit and Loss account is
enacted or subsequently enacted prior to the balance arrived at, after making provisions for the following:
sheet date. The impact of changes in the deferred tax
assets and liabilities is recognised in the profit and loss  Direct tax on income (including deferred taxation as
account. per Accounting Standard AS 22 – “Accounting for
c. Deferred tax assets are recognised and reassessed at Taxes on Income”) and wealth;
each reporting date, based upon management’s  Bad and Doubtful advances;
judgement as to whether realisation is considered  Adjustments, if any, in the value of investments
certain. Deferred tax assets are recognised on carry according to RBI directives;
forward of unabsorbed depreciation and tax losses only  Provision on Standard Assets;
if there is virtual certainty that such deferred tax assets
can be realised against future profits.  Interest sacrifice on restructured accounts;
 Non-performing investments;
9. REVENUE RECOGNITION  Transfers to contingencies, and,
 Other usual and necessary provisions.
9.1 Income
Interest and other income are recognized on accrual basis 11. ACCOUNTING FOR PROVISIONS,
except for the following, which are recognized on cash CONTINGENT LIABILITIES AND
basis: CONTINGENT ASSETS
a. Interest and other income on NPAs, projects under In conformity with AS 29, “Provisions, Contingent Liabilities
implementation with time over run, and government and Contingent Assets”, issued by the Institute of Chartered
guaranteed accounts where interest is not received Accountants of India, the Bank recognises provisions only
regularly, as per Reserve Bank of India guidelines; when it has a present obligation as a result of a past event.
b. Dividend on investment in shares and income It is probable that an outflow of resources embodying
distributed on units of Mutual Funds as per Reserve economic benefits will be required to settle the obligation
Bank of India guidelines; as and when a reliable estimate of the amount of the
c. Locker Rentals; obligation can be made.
d. Exchange on demand bills purchased;
76

]´nI 18
IW°pI-fpsS hni-Zo-Ic
- W
- °
- p-dn-∏p-Iƒ
1. aqe[\w
aqe[\ ]cym]vXXm A\p]mXw
kmºØnI hnhcßfpsSbpw dnk¿∆v _m¶v Hm^v C≥UybpsS am¿§ \n¿t±ißfpsSbpw
ASnÿm\Øn¬ _m¶v IW°m°nbn´p≈ aqe[\hpw \jvSkw`mhyXm `mcnX BkvXnbpw
XΩnep≈ A\p]mXw XmsgsImSpØncn°p∂p.
a) t_k¬ I {]Imcw 31.03.2009 31.03.2008
i) aqe[\hpw \jvSkw`mhyXm `mcnX BkvXnbpw XΩnep≈ A\p]mXw. (CRAR) 12.13% 12.68%
ii) aqe[\hpw \jvSkw`mhyXm `mcnX BkvXnbpw XΩnep≈ A\p]mXw Snb¿ 1 7.43% 6.94%
iii) aqe[\hpw \jvSkw`mhyXm `mcnX BkvXnbpw XΩnep≈ A\p]mXw Snb¿ II 4.70% 5.74%
iv) C¥ym Khs◊‚ns‚ Hmlcn hnlnXØns‚ iXam\w C√ C√
b) t_k¬ II {]Imcw
31.03.2008 apX¬ dnk¿∆v _m¶v Hm^v C¥y-bpsS \ne-hn-ep≈ am¿§-\n¿t±-i-a-\p-k-cn®v _m¶v ]pXnb
aqe-[\ ]cym-]vXXm N´-°q-Sn-te°v amdn-°-gn-™p. _m¶v, s{IUn‰v dnkv°nse hyh-ÿm-]nX kao-]-
\w, am¿°‰v dnkvIn-\p-th≠n hyh-ÿm-]nX ka-b_ - ‘
- nX kao-]\- w, Hm∏-td-jW - ¬ dnkvIn\v t_kn°v
C≥Un-t°-‰¿ kao-]\w F∂nh kzoI-cn-°p-Ibpw t_k¬ II s‚ Iogn¬ an\naw aqe-[-\-am°n Iw]yq´v
sNøm≥ km[n-®p.
(i) aqe-[-\hpw \jvS-kw-`m-hyXm `mcnX BkvXnbpw XΩn-ep≈ A\p-]mXw (CRAR) 14.03% 13.53%
(ii) aqe-[-\hpw \jvS-kw-`m-hyXm `mcnX BkvXnbpw XΩn-ep≈ A\p-]mXw Snb¿ I 8.59% 7.41%
* amt\Pvsa‚n\m¬ GIoIcn®Xpw HmUn‰¿am¿ hnizmkØnseSpØXpw (cq] tImSnbn¬)
c) Snb¿ I / Snb¿ II aqe[\Øns‚ `mKambn Db¿Øs∏´ kt_m¿Unt\‰v ISßfpw ssl{_nUv
C≥kv{Spsa‚pw
hniZhnhcw Cjyp sNbvX Imemh[n ]eni\nc°v% XpI XpI
kt_m¿Unt\‰v IS߃ h¿jw 31.03.2009 31.03.2008
kocokv V 2001˛2002 85 amkw 9.188 120.00 120.00
kocokv VI 2004˛2005 111 amkw 7.05 195.00 195.00
kocokv VII 2005˛2006 115 amkw 7.45 235.00 235.00
kocokv VIII 2005˛2006 111 amkw 7.80 140.00 140.00
kocokv IX 2007˛2008 120 amkw 9.20 125.00 125.00
kocokv X 2007˛2008 120 amkw 9.18 125.00 125.00
A∏¿ Snb¿ II t_m≠v 2006-˛2007 180 amkw 9.65 200.00 200.00
A∏¿ Snb¿ II t_m≠v 2007˛2008 180 amkw 10.25 300.00 300.00
\qX\ imizX EW
{]amW߃ (Snb¿ 1 aqe[\w)
kocokv I 2006˛2007 imizXw 9.34 200.00 200.00
kocokv II 2007˛2008 imizXw 9.95 100.00 100.00
BsI 1740.00 1740.00
2. \nt£]߃
C\߃ (cq] tImSnbn¬)
1. \nt£]ßfpsS aqeyw 31.03.2009 31.03.2008
i) \nt£]ßfpsS samØw aqeyw 13303.80 11419.36
(a) C¥ybv°IØv 13303.80 11419.36
(b) C¥ybv°p ]pdØv C√ C√
ii) tXbvam\Øn\p≈ IcpXen\p tijw 72.10 66.41
(a) C¥ybv°IØv 72.10 66.41
(b) C¥ybv°p ]pdØv C√ C√
iii) \nt£]ßfpsS A‰ aqeyw 13231.70 11352.95
(a) C¥ybv°IØv 13231.70 11352.95
(b) C¥ybv°p ]pdØv C√ C√
2. \nt£]ßfpsS hnebnSnhn\p≈ hIbncpØen¬ h∂ am‰ßƒ
(i) G{]n¬ 1˛se {]mcw`_m°n 66.41 108.09
(ii) Iq´pI: \S∏ph¿jØnse hIbncpج 35.55 44.02
(iii) Ipdbv°pI: \S∏ph¿jØn¬ A[nIap≈ hIbncpج XncnsI hchph®Xv C√ C√
(iv) Ipdbv°pI: \S∏ph¿jØn¬ FgpXnØ≈nbXv 29.86 85.70
(v) \o°nbncp∏v (am¿®v 31˛\v) 72.10 66.41
77

2.1 2008˛09˛se dnt]m (Repo) CS]mSpIƒ


(cq] tImSnbn¬)
\S∏ph¿jØnse \S∏ph¿jØnse \S∏ph¿jØnse 31 am¿®v
hnhcW߃ G‰hpw ]camh[n ssZ\wZn\ 2009˛se
Ipd™ _m°n \n¬ icmicn _m°n \n¬
_m°n \n¬ °p∂ XpI _m°n \n¬ °p∂ XpI
°p∂ XpI °p∂ XpI
dnt]mbv°p (Repo) hnt[bambn 0.00 750.00 30.41 C√
skIyqcn‰nIfpsS hnev]\ (300.00) (300.00) (0.82) (C√)
dnthgvkv dnt]mbv°p (Reverse Repo)
hnt[bambn 0.00 1000.00 43.19 150.00
skIyqcn‰nIfpsS hm߬ (3.00) (500.00) (9.96) (500.00)
Ipdn∏v: {_mbv°‰nse kwJyIƒ Ign™ h¿jtØXmWv.

2.2 Non-SLR apX¬ apS°pIfpsS hnhcw


i) Non-SLR apX¬apS°pIfpsS Cjypb¿ sImsºmknj≥ 31.03.09˛\v
(cq] tImSnbn¬)
\º¿ t{kmX v XpI kzImcy apX¬apS°p aXn∏p enÃp sNø
\nt£] \nehmcØn\p Ipd™ s∏SmØ
tXmXv Xmsgbp≈ skIyq-cn‰n skIyq-cn‰n
skIyqcn‰nbpsS IfpsS IfpsS
tXmXv tXmXv tXmXv
1. ]n.Fkv.bp. 60.01 34.45 1.50 40.29 35.77
(47.54) (42.23) (1.50) (17.82) (12.50)
2. kmºØnI 1041.03 935.71 25.31 24.20
ÿm]\߃ (371.94) (361.65) (16.66) (16.38)
3. _m¶pIƒ 254.78 40.18 3.82 0.00
(68.95) (64.55) (11.40) (0.00)
4. kzImcy Iº\nIƒ 175.41 18.37 1.37 175.30 19.27
(214.93) (45.57) (1.37) (214.93) (46.59)
5. klmwKßfpw
kwbp‡
kwcw`ßfpw
6. a‰p≈h 0.24 0.24 0.24 0.24
(13.28) (0.24) (13.28) (0.24)
7. aqey£bØn\p 69.40
th≠nbp≈ IcpX¬ (35.16)
BsI 1462.07 1028.95 2.87 244.96 79.48
(A‰aqey£bw) (681.48) (514.24) (2.87) (274.08) (75.70)

Ipdn∏v: {_mbv°‰nse kwJyIƒ Ign™ h¿jtØXmWv.


78

ii) \njv{Inbamb t\m¨ Fkv.F¬.B¿. (kvs{]Uv Dƒs∏sS) 1% Iymt∏msS \¬IpIbpw


\nt£]߃ 31.03.09˛\v sNøp∂p.
hnhcW߃ XpI e) kzm]vkv Gs‰Sp°p∂Xn\mbn Hcp XcØnep≈
(tImSnbn¬) Pmayhpw _m¶v \¬Inbn´n√.
{]mcw`_m°n 2.65 (2.87)
f) Cu h¿jw ]eni \nc°v kzm]vkpIƒ \n∂p≈
2008 G{]n¬ 1 apXep≈ h¿jw C√ (C√)
s{IUn‰v dnkvIpIfpsS tI{µoIcWw D≠mbn√.
A[nIw Iq´nt®¿ØXv
apIfn¬ ]d™ h¿jw 0.15 (0.22) g) \S∏ph¿jw _m¶v t^m¿thUv \nc°v Icm¿
Ipdhp hcpØnbXv H∂pw Xs∂ Gs‰SpØn´n√
\o°nbncp∏v 2.50 (2.65) 3.2 FIvkvtN©v hn]W\ ]eni\nc°p
samØw IcpXepIƒ 2.50 (2.65) sUdnth‰ohpIƒ (B`y¥chpw
Ipdn∏v: {_mbv°‰nse kwJyIƒ Ign™ h¿jtØXmWv. hntZi\mWyhpw)
{Ia hnhcW߃ XpI
3. sUdnth‰ohpIƒ \w
3.1 ]eni\nc°v kzm]vkv sUdnth‰pIƒ (i) Cs°m√sØ FIvkvtN©v hn]W\
t^m¿th¿Uv \nc°v Icm¿ / Hm]vj≥ ]eni\nc°p sUdnth‰ohpIfpsS
cq] IW°n¬/hntZi\mWyØn¬ (cq] tImSnbn¬) km¶ev]nIamb apX¬ C√
hnhcw 31.3.2009 31.3.2008
(ii) 2009 am¿®v 31˛\p \o°n _m°nbp≈
i) kzm]v IcmdpIfpsS ASnÿm\ XpI
FIvkvtN©v hn]W\ ]eni\nc°p
]eni \nc°v kzm]v -- 100.00
sUdnth‰ohpIfpsS
Iq∏¨ H¨en kzm]v 140.00 140.00
km¶ev]nIamb apX¬ C√
ii) FXn¿I£nIƒ Icm¿ A\pkcn
®p≈ AhcpsS _m[yX \ndth‰n (iii) FIvkvtN©v hn]W\ ]eni\nc°p
bns√¶n¬ D≠mIm\nSbp≈ \jvSw 21.00 4.32 sUdnth‰ohpIfn¬
iii) kzm]vkv Gs‰Sp°p∂Xn\v _m¶v ""G‰hpw IqSpX¬ ^e{]Za√mØXv'' C√
\¬tI≠nh∂ kzØpPmayw C√ C√ (iv) FIvkvtN©v hn]W\ ]eni\nc°v
iv) kzm]vkv Gs‰SpØXn\m¬ sUdnth‰ohpIfn¬ _m°n\n¬∏p≈
s{IUn‰v dnkvIpIfpsS am¿°v Sp am¿°‰v G‰hpw
tI{µoIcWw C√ C√ ^e{]Za√mØh C√
v) kzm]v _p°ns‚ \ymbhne (10.29) (5.85)
(sUdnth‰ohv CS]mSpIƒ Ib‰paXn°mcn¬ \n∂pw 3.3 Hm]vj\pIƒ
amt\Pvsa‚ v kzoIcn® k¿´n^n°‰ns‚ (a) CS-]m-Sp-Im¿°v hmKvZm\w sNbvX Hm]vj\ - p-Iƒ°v
ASnÿm\ØnemWv sNbvXncn°p∂Xv.) am¿°-‰n¬ ]c-kv]cw ]q¿Æ-kp-c£ - n-XXzw Dd-∏p-
h-cp-Øp-∂p-≠v.
a) Snb¿ II t_m≠pIfnse \nt£] ßfnse
]eni\nc°nse \jvSkw`mhyX Hgnhm°p∂ (b) _m°n \nev]p-≈ Hm]vj\ - p-Ifn¬ Iev]nX aqe-[-
Xn\mbn _m¶v ]eni \nc°v kzm]vkv (Iq∏¨ \-Xp-I-bpsS Iymcn-bnwKv hmeyp IW-°m-°n-bn-cn-
H¨en kzm]vkv) CS]mSp \SØnbn´p≠v. °p-∂Xv s^Umbv \nc-°nepw 31.03.2009-˛se s^b¿
hym]mcØn\mbn Cs°m√w bmsXmcp kzm]vkv hmeyphpw Xmsg-∏d- b - p-∂p.
CS]mSpw \SØnbn´n√. hnhcW߃ IymcnbnwKv s^b¿
hmeyp hmeyp
b) F√m ]eni\nc°v kzm]v k v CS]mSpIfpw
31.03.09 31.03.08 31.03.09 31.03.08
FXn¿I£n°v A\phZ\obamb FIvkvt]mj¿
]cn[n°IØmWv. Hm]vj≥ Icm-dp-Iƒ C√ 62.19 C√ C√
c) slUvPns‚ hnebpw Imemh[nbpw \nehnep≈ 3.4 sUdnth‰ohpIfnse \jvSkw`mhy
_m[yXbn¬ \n∂v A[nIcn°p∂n√. H‰bmbp≈ Xsb kw_‘n® shfns∏SpØepIƒ
Hcp CS]mSpw Bcw`n°pItbm/_m°n a) KpWta∑ shfns∏SpØepIƒ
\n¬°pItbm sNøp∂n√. (i) _m¶v sUdnth‰ohv hym]mcw Gs‰SpØn´n√.
d) Iq∏¨ H¨en kzm]vkpIƒ P∏m\okv sb∂nepw slUvPnwKn\p (hedging) am{Xta CXv
C¥y≥ cq]bnepw BWv sNøp∂Xv . C¥y≥ D]tbmKs∏SpØnbn´p≈q. CXn\mhiyamb
cq]bn¬ ÿnc ]eni\nc°n¬ kzoIcn°pIbpw tcJIƒ D]t`m‡rhn`mKw BWp Xncs™
Pm∏\okv sb∂n¬ LIBOR hm¿jnI \nc°n¬ Sp°p∂Xv . CXn\mhiyamb am\ZWv U ßfpw
79

cq]/t^msdIvkv ASnÿm\Øn¬
coXnIfpw UbdIvS¿ t_m¿Uns‚ Imcy \n¿hlW \w. hnhcw C‚dÃvtd‰v C‚dÃvtd‰v
kanXn AwKoIcn®n´p≠v . CXp \S∏m°epw sUdn sUdn
XpS¿\S]SnIfpw D]t`m‡r hn`mKamWp th‰ohpIƒ th‰ohpIƒ
ssIImcyw sNbvXn´p≈Xv. 31.03.2009 31.03.2008
(ii) \jvSkw`mhyX IW°m°epw XpS¿ \S]SnIfp 1. sUdnth‰ohpIƒ
sa∂\nebv ° v , slUv P nwKns‚ ^e{]m]v X n (t\mjW¬ apX¬ XpI)
Dd∏m°p∂Xn\v \n›nXImebfhn¬ AXns\ a) slUvPnwKn\v 140.00 240.00
am¿°vUv Sp am¿°‰v Bbn hn\ntbmKn°p∂p. b) hym]mcØn\v C√ C√
2. Itºmf \nehmcØn
(iii)\jv S kw`mhyX eLqIcn°p∂Xn\mbn Nne
te°p tcJs∏SpØnbXv
\S]Sn{Ia߃ kzoIcn®Xv sUdnth‰ohns\
a) BkvXn (+) C√ C√
Xncs™Sp°ptºmgpw D]tbmKs∏SpØp tºmgpw
b) _m[yX (˛) (10.29) C√
td‰v sk≥kn‰ohv Km]v, _‘s∏´ ]eni\nc°p
3. s{IUn‰v FIvkvt]mj¿ 21.00 C√
Ifpambn A]{KYn®mWp \SØnbn´p≈Xv.
4. ]eni\nc°n¬ Hcp
(iv)slUv P nwKv k©nXaqeymSnÿm\ØnemWp iXam\w hyXymkw
IW°m°nbncn°p∂Xv. slUvPnwKv hn]W\hp sUdnth‰ohpIfn¬
ambn _‘s∏SpØn bmsXm∂pw sNbv X n´n√. D≠mIm≥ km[yXbp≈
F¶nepw, kmam\yaqeyhpw _‘s∏´ I£nIƒ {]XymLmXw (100 pv 01) 1.42 0.90
AS®ns√¶n¬ D≠mtb°mhp∂ \jvSkm[yX a) slUvPnwKv C√ C√
kw_‘n® hnhc߃ shfns∏SpØnbn´p≠v . sUdnth‰ohpIƒ°v
hmbv ] m\jv S kw`hyX Ipdbv ° p∂Xn\mbn b) hym]mc sUdnth‰ohpIƒ°v C√ C√
B¥cnIambn D≠m°nbn´p≈ hyhÿIf\p 5. \nco£n® 100 * PV01 s‚
kcn®p {IaoIcW߃ \SØnbn´p≠v. A[nIXahpw \yq\Xahpw
b) ]cnamWsØ kw_‘n® shfns∏Spج \S∏ph¿jw
cq]/t^msdIvkv ASnÿm\Øn¬ (cq] tImSnbn¬) a) slUvPnwKn\v 11.13/9.78 0.90
\w. hnhcw Id≥kn Id≥kn b) hym]mcØn\v C√ C√
sUdn sUdn Ib‰paXn°mcpsS k¿´n^n°‰v ASnÿm\am°nbmWv
th‰ohpIƒ th‰ohpIƒ amt\Pvsa‚ v shfns∏Spج Xømdm°nbncn°p∂Xv.
31.03.2009 31.03.2008 4. BkvXnIfpsS kz`mhw
1. sUdnth‰ohpIƒ 4.1 \njv{Inb BkvXn
(t\mjW¬ apX¬ XpI) \njv{Inb BkvXnIfnse am‰ßƒ (cq] tImSnbn¬)
a) slUvPnwKn\v C√ C√ C\߃ 31.3.09 31.3.08
b) hym]mcØn\v C√ C√ (i) A‰ \njv{Inb BkvXnIfpw A‰
2. Itºmf \nehmcØn AUzm≥kpIfpw XΩnep≈ _‘w (%) 0.58% 0.94%
te°p tcJs∏SpØnbXv (ii) \njv{Inb BkvXnIfn¬ h∂ am‰ßƒ
a) BkvXn (+) C√ C√ a) {]mcw` _m°n 570.83 540.11
b) _m[yX (˛) C√ C√ b) \S∏ph¿jØnse h¿≤\ 404.70 326.33
3. s{IUn‰v FIvkvt]mj¿ C√ C√ c) \S∏ph¿jØnse Ipdhv 431.13 295.61
4. ]eni\nc°n¬ Hcp iXam\w d) \o°nbncn∏v 544.40 570.83
hyXymkw sUdnth‰ohpIfn¬ (iii) A‰ \njv{Inb BkvXnIfn¬ h∂ am‰ßƒ
D≠mIm≥ km[yXbp≈ a) {]mcw` _m°n 267.71 267.62
{]XymLmXw (100 pv 01) C√ C√ b) \S∏ph¿jØnse h¿≤\ 273.82 254.05
a) slUvPnwKv c) \S∏ph¿jØnse Ipdhv 353.15 253.96
sUdnth‰ohpIƒ°v d) \o°nbncn∏v* 188.38 267.71
b) hym]mc sUdnth‰ohpIƒ°v (iv) \njv{Inb BkvXnIfpsS hnebncp
5. \nco£n® 100* PV01 s‚ Øen¬ h∂ am‰ßƒ (\nehmc
A[nIXahpw \yq\Xahpw BkvXnIƒ°p≈ hIbncpج Ign®v)
\S∏ph¿jw a) {]mcw` _m°n 264.43 262.09
a) slUvPnwKn\v C√ C√ b) \S∏ph¿jØnse hIbncpج# 154.12 97.82
b) hym]mcØn\v C√ C√ c) A[nIap≈ hIbncpج (FgpXn
Ø≈m≥ D]tbmKn®Xv) FgpXnØ≈nbXv 85.55 95.48
80

d) A[nIap≈ hIbncpج dnthgvk¬ 0.00 0.00 2. # \S∏p h¿jsØ ^vtfm´nwKv s{]mhnj≥ 100 tImSn
e) \o°nbncn∏v 333.00 264.43 cq] CXn¬ Dƒs∏Sp∂p.
1. * ]ncns®Sp°mØ ]eni 23.03 tImSn cq] Ipd®n´mWv 3. \njv{Inb hmbv]Iƒ°p≈ hIbncpج
A‰ \njv{Inb BkvXnIfpsS \o°n _m°n Is≠Øp∂Xn\v , ECGC˛bn¬ ka¿∏n®n´p≈/
IW°m°nbn´p≈Xv. ka¿∏nt°≠Xmb s¢bnapIsf kzoImcyambn
IW°m°mw.
4.2 ]p\xkwLS\bv°v \S∏p h¿jØn¬ hnt[bam°s∏´ hmbv]m BkvXnIfpsS hnhc߃
a) ]p\xkwLSn°s∏´ A°u≠pIfpsS hnhcw (cq] tImSnbn¬)
knUnB¿ FkvFwCu a‰p≈h
sa°m\nkw ]p\xkwLS\
26.8.2008 27.8.2008 26.8.2008 27.8.2008 26.8.2008 27.8.2008
hsc apX¬ hsc apX¬ hsc apX¬
]p\xkwLSn∏n® hmbv]m°mcpsS FÆw 0 1 0 5714 4 2157
\nehmc hmbv] _m°n XpI 0 17.88 0 113.50 41.46 382.10
Cfhv (\ymb aqeyØn¬ Ipdhv) 0 3.84 0 5.60 1.21 8.41
]p\xkwLSn∏n® hmbv]m°mcpsS FÆw 0 0 0 0 0 0
Ipd™ \nehmc _m°n XpI 0 0 0 0 0 0
Ønep≈ hmbv] Cfhv (\ymb aqeyØn¬ Ipdhv) 0 0 0 0 0 0
]p\xkwLSn∏n® hmbv]m°mcpsS FÆw 0 1 0 0 0 0
kwibmkv]Z _m°n XpI 0 17.38 0 0 0 0
AUzm≥kpIƒ Cfhv (\ymb aqeyØn¬ Ipdhv) 0 4.62 0 0 0 0
BsI hmbv]m°mcpsS FÆw 0 2 0 5714 4 2157
_m°n XpI 0 35.26 0 113.50 41.46 382.10
Cfhv (\ymb aqeyØn¬ Ipdhv) 0 8.46 0 5.60 1.21 8.41

]p\xkw-L-Sn-∏n-°-s∏´ A°u-≠p-Isf kw_-‘n® 4.3 BkvXn]p\xkwLS\bv°p th≠n


IqSp-X¬ shfn-s∏-Sp-Ø-ep-Iƒ skIyqcns‰tkj≥/BkvXnkwLS\m
\w. hnhcw FÆw XpI Iº\nIƒ F∂nhbv°v \S∏p h¿jw
1. 2008 sk]v‰w-_¿ 1˛\v Ãm≥tU¿Uv hn‰ kmºØnI BkvXnIfpsS hnhcw
Bbn-cp∂ A°u-≠p-I-fpsS ]p\x- hnhcw 31.03.09 31.03.08
kw-L-S-\bv°p 2009 am¿®v 31 hsc i) A°u≠pIfpsS FÆw 3 1
e`n® At]-£-Iƒ 8297 794.30
ii) SC/RC hn‰
2. (1)-˛¬ 2009 am¿®v 31\v \n¿tZ-i-߃ AwKo-I- A°u≠pIfpsS
cn-°-s∏-Sp-Ibpw \S-∏n-em-°s∏-Sp-Ibpw
samØw aqeyw (A‰ IcpX¬ XpI) #45.33 C√
sNbvXXpw X∑qew kvs]jy¬ sdKp-te-‰dn
]cn-K-W-\bv°v A¿l-am-b-Xpw, _me≥kv iii) samØw ]cnKW\ $18.63 0.70
jo‰ns‚ Znhkw Ãm≥tU¿Uv iv) ap≥h¿jßfn¬ am‰nb
BkvXn-bmbn C\w Xncn-®-Xpw 7876 554.91 IW°pIfpsS ImcyØn¬
3. (i) ¬ 2009 am¿®v 31-˛\p \n¿tZ-i-߃ e`n® A[nI ]cnKW\ C√ C√
AwKo-I-cn-°-s∏-Sp-Ibpw \S-∏n-em-°-s∏-Sp- v) _p°v hmeyphn¬ BsI
IbpwsNbvsX-¶n-epw, Ãm≥tU¿Uv t\´w/\jvSw @(9.17) 0.70
hn`m-KØ
- n¬ hI-sIm-≈n-°m≥ Ign-bm-ØXv C√ C√
# 2 A°u≠pIƒ (AUC) ˛ 17.53 tImSn
4. (i) se \n¿tZ-i-ß-fn¬ 2009 am¿®v 31-˛\v
1 A°u≠v (NPA) ˛ 27.80 tImSn
Ãm≥tU¿Uv hn`m-K-Øn-ep-≈Xpw\S-]Sn/
\S-∏n-em-°¬ {]{In-b-bn¬ Dƒs∏-´Xpw 417 231.86 $ 3.00 tImSn
15.63 tImSn
5. (i) ¬ 2009 am¿®v 31-˛\v \S-]Sn/\S-∏n-em-°¬
% -˛ 3.00 (+) 12.17 (-˛)
{]{In-b-bn¬ s]´Xpw NPA Bb-Xpw,
F∂m¬, ]mt°Pv ]q¿W-ambn \S-∏n-em-°
-s∏-Sp-tºmƒ Ãm≥tU¿Pv BkvXn-bmbn
hI-sIm-≈n-°p-sa∂p {]Xo-£n-°-s∏-Sp-∂Xpw 4 7.53
81

4.4 hmßnb \njv{Inb BkvXnIfpsS hnhcw D]-tbm-Kn-°p-tºmƒ Ãm≥tU¿Uv BkvXn-If - psS hn`m-
(cq] tImSnbn¬)
hnhcw 31.03.09 31.03.08 K-Øn\p \nehnep-≈X - n¬ IqSp-X¬ s{]mhn-j≥ Bh-
1. a) \S∏ph¿jw hmßnb iy-ambn h∂m¬ BbXp hI-bn-cp-Øp-∂X - m-Wv. Ct∏m-
A°u≠pIfpsS FÆw - - gsØ s{]mhn-j≥ Bh-iy-Øn-e-[n-I-am-I-bm¬ 2008-
b) samØw \o°nbncp∏v - - ˛2009 h¿j-tØ°v A[nI s{]mhn-j≥ Bh-iy-an-√.
2. a) Chbn¬ \S∏ph¿jw ]p\x 5. _nkn\ v A\p]mXw
kwLSn∏n® A°u≠pIfpsS FÆw - - C\߃ 31.3.09 31.3.08
b) samØw \o°nbncp∏v - -
i) ]enihcpam\w {]h¿Ø\
4.5 \nehmc BkvXnIƒ°p≈ IcpX¬
(cq] tImSnbn¬) ^≠pambp≈ iXam\Øn¬ 8.84 7.79
hnhcw 31.3.09 31.3.08 ii) ]enibnXc hcpam\w {]h¿Ø\
\nehmc BkvXnIƒ°p≈ IcpX¬ C√ 11.14 ^≠pIfpsS iXam\Øn¬ 1.23 0.99
31.03.2009-˛se \ne-hm-c- BkvXn-Iƒ°v \o°nh®n´p≈ iii) {]h¿Ø\em`w {]h¿Ø\
samØw s{]mhn-j≥ 148.28 tImSn cq]-bmWv (I-gn™ ^≠pambp≈ iXam\Øn¬ 2.26 1.61
h¿jw 137.14 tImSn cq]) iv) BkvXnIfn¬ \n∂p≈ hcpam\w
dnk¿hv _m¶v am¿K-\n¿tZ-i-ß-f-\p-k-cn®v, hnhn-[bn\- iXam\Øn¬ 1.30 0.89
ß-fn¬s∏´ Ãm≥tU¿Uv BkvXn-Iƒ°p≈ s]mXp- v) Poh\°mcs‚ {]Xnio¿j
hmb s{]mhn-j≥, \ne-hn-ep≈Xp d±m-°s - ∏-Sp-Ib- n-s√∂ _nkn\ v (hmbv]Ifpw \nt£]ßfpw
hyh-ÿbv°p hnt[-b-am-bn, Irjn°pw SME hn`m-K- IqSn) (e£w cq]m IW°n¬) 657.75 558.65
߃°pw t\cn-´p≈ hmbv]I - ƒ Hgn-sI-bp-≈X - v (0.25%), vi) Poh\°mcs‚ {]Xnio¿jem`w
]c-am-h[n 2% F∂Xv 0.40% F∂ GIo-IrX \nc-°mbn (e£w cq]m IW°n¬) 5.36 3.40
Ipd-®p. F∂m-epw, `mhn-bn¬ ]pXnb am\-Z-WvU-߃

6. BkvXn _m[yXm amt\Ppsa‚ v


Nnebn\w BkvXn_m[yXIfpsS Imemh[n ]q¿Ønbm°¬ {Iaw.
Imemh[n ]q¿Ønbm°¬ {Iaw 31.03.2009˛¬ (cq] tImSnbn¬)
1 -˛ 14 15 ˛ 28 29 Znh-k 3 amk 6 amk 1 h¿j 3 h¿j 5 h¿j BsI
Znhkw Znhkw Øn\v Øn\v Øn\v Øn\v Øn\v Øn\v
apI-fn¬ apI-fn¬ apI-fn¬ apI-fn¬ apI-fn¬ apI-fn¬
3 amkw 6 amkw 1 h¿jw 3 h¿jw 5 h¿jw
hsc hsc hsc hsc hsc
\nt£]w 2167.39 286.90 1614.73 2731.14 6704.38 8243.68 9469.65 10824.05 42041.92
(1276.49) (543.76) (1539.91) (3554.69) (6840.23) (8718.87) (6493.04) (6386.90) (35353.90)

hmbv] 802.34 1002.29 5375.31 4140.17 6153.11 5049.43 2390.75 7797.53 32710.93
(1391.71) (128.64) (2937.81) (3645.58) (9053.32) (2677.27) (2468.93) (5833.36) (28136.62)

apX¬ apS°v 828.71 132.26 565.01 88.38 464.71 2755.53 2118.80 6278.30 13231.70
(524.13) (23.23) (168.32) (406.15) (93.16) (2647.49) (2799.12) (4691.35) (11352.95)
IS߃ 10.53 NIL 3.86 63.83 74.46 646.74 8.10 0.25 807.77
(199.09) (32.10) (124.32) (1167.11) (985.49) (279.03) (61.65) (0.50) (2849.29)
hntZi \mWy 652.90 0.42 93.50 52.39 182.11 161.64 126.48 28.43 1297.87
BkvXn (1011.08) (24.10) (182.93) (87.58) (51.77) (443.58) (76.60) (144.00) (2021.64)
hntZi \mWy 161.44 21.27 117.22 191.15 420.03 373.72 13.04 0.00 1297.87
_m≤yX (636.19) (28.92) (123.92) (195.82) (528.87) (452.24) (55.68) (0.00) (2021.64)
Ipdn∏v: {_mbv°‰nse kwJyIƒ Ign™ h¿jtØXmWv.
ta¬∏d™ IW°pIƒ GIoIcn°p∂Xn\v RBI \n¿t±ißfpsSbpw FÃnta‰pIfpsSbpw ASnÿm\Øn¬
amt\Ppsa‚ v Nne A\pam\߃ \SØnbn´p≠v. AXv HmUn‰¿amcpw AwKoIcn®n´p≠v.
82

7 hmbv]Iƒ (ii) hy‡n-Iƒ°v Hml-cn-I-fnepw (IPOs &


7.1 ÿmhchkvXp°fpsS hn`mKØn¬s∏´ ESOPs Dƒs∏-sS) ]cn-h¿Ø\o-b
hmbv]Iƒ t_m≠p-I-fnepw Un_-©-dp-I-fn-epw,
tImSn cq]bn¬ aqe-[-\m-[n-jvTnX ayqNz¬ ^≠p-Iƒ
C\w 31.03.09 31.03.08 F∂n-h-bn¬ \nt£-]n-°p-∂-Xn-\v. Hmlcn
a) t\cn´p≈ hmbv] / t_m≠p-Iƒ / Un_-©-dp-Iƒ a‰p
(i) `h\hmbv]m[njvTnX kzØp skIyq-cn-‰n-Iƒ F∂n-h-bpsS CuSn-t∑¬
]Wbw: ]q¿Æambpw hmktbmKyamb ip≤-amb hyh-ÿ-bn-ep-≈ hmbv]-Iƒ. 0.15 0.29
kzØp°fpsS CuSnt∑ep≈ (iii) Hml-cn-Iƒ, ]cn-h¿Ø\o-b t_m≠p-Ifpw
hmbv]Iƒ ˛ kz¥w hmkØnt\m Un_-©-dp-Iƒ, aqe-[-\m-[n-jvTnX ayqNz¬
hmSIbv°v \¬Ip∂Xn\p ^≠p-I-fpsS bqWn-‰p-Iƒ F∂n-h-bpsS
th≠nbp≈h (ap≥KW\m hn`mKØn¬ {]mY-anI CuSn-t∑¬ a‰m-h-iy-߃
s∏SpØmhp∂ hy‡nKX `h\hmbv]m °m-bn-´p≈ hmbv]-Iƒ. 130.96 112.67
Isf {]tXyIambn ImWnt°≠XmWv) 4871.02 4190.13 (iv) Hml-cn-Iƒ / ]cn-h¿Ø-\ob
(ii) hmWnPym[njvTnX ÿmhchkvXpIƒ t_m≠p-Iƒ, Un_-©-dp-Iƒ,
Dƒs∏´h hmWnPymhiy߃°p≈ aqe-[-\m-[n-jvTnX ayqNz¬ ^-≠p-I-fpsS
ÿmhc hkvXpIfpsS CuSnt∑ep≈ bqWn-‰p-Iƒ F∂n-h-bpsS kam-¥c
hmbv]Iƒ (Hm^okv sI´nSw, sNdpInS Pmay-Øns‚ ]cn-[n-hsc kpc-£n-X-am-°-
ÿe߃, hnhnt[mt±i hmWnPymhiy s∏´ at‰-sX-¶nepw Bh-iy-Øn-\p≈
sI´nS߃, hnhn[ IpSpw_ßfpsS hmbv]-Iƒ ˛ AXm-bXv Sn Hml-cn-Iƒ,
t_m≠p-Iƒ XpS-ßn-bh Hgn-®p≈
hmkØn\v A\ptbmPyamb sI´nS߃,
{]mY-anI CuSv hmbv]-XpI apgp-h-\mbn
hmWnPymhiyØn\v hnhn[ ]m´°cmdp
]cn-c-£n-°-s∏-Sm-Ø-h. C√ C√
Im¿°mbn \¬Inbn´p≈ sI´nS߃,
hyhkmbm hiyØnt\m, ]≠Iimem (v) tÃm°v t{_m°¿am¿°pw Itºmf
hiyØnt\m D≈ ÿew, tlm´¬, `qan \n¿Ωm-Xm-°ƒ°pw th≠n \¬In-bn-´p≈
Gs‰Sp°¬ hnIk\hpw \n¿ΩmWhpw Kymc‚n-I-fpw, tÃm°v t{_m°¿
am¿°p≈ kpc-£n-X-am-°-s∏-´Xpw
apXembh) \n[n B[mcam°mØ
A√m-sX-bp-ap≈ hmbv]-Iƒ. 175.65 176.05
hmbv]m ]cn[nIfpw (NFB) Dƒs∏Sp∂p. 964.78 676.85
(iii) ]Wbm[njvTnX CuSnt∑ep≈ (vi) ]pXnb Iº-\n-I-fpsS Hmlcn aqe-[-\
\nt£]ßfpw (MBS) A√mØXpambh -Øn\v {]tam-´-dpsS hnln-X-Øn-\mbn
a. hmktbmKyamb `h\߃ 0.00 0.00 hn`-h-k-am-l-cWw {]Xo-£n®v tIm¿∏
-td-‰p-Iƒ°v Hml-cn-Iƒ / t_m≠p-Iƒ /
b. hmWnPymhiy ÿmhc hkvXpIƒ 0.00 0.00
Un_-©-dp-Iƒ, a‰p CuSp-Iƒ,
b) ]tcm£amb hmbv]
As√-¶n¬ ip≤-amb hyh-ÿ-I-fn¬
tZiob `h\ _m¶v (NHB), `h\ hmbv]m
A\p-h-Zn® hmbv]-Iƒ. C√ C√
Iº\nIƒ (HFCs) apXembh°v \n[n
B[mcam°nbpw A√mØXpambh 1012.06 525.77 (vii) Hmlcn ]pd-s∏-Sp-hn-°-ens‚
ÿmhc hkvXp kw_‘amb taJe CuSn-t∑¬ Iº-\n-Iƒ°v
sImSp-Øn-´p≈ {_oUvPv temWp-Iƒ. C√ C√
bnse samØw FIvkvt]mj¿ 6847.86 5392.75
7.2 aqe[\hn]Wn taJebv°p sImSpØ hmbv]Iƒ (viii) Hml-cn-Iƒ, ]cn-h¿Ø-\ob
tImSn cq]bn¬ t_m≠p-Iƒ, Un_-©-dp-Iƒ, ape-[-\m-
C\߃ 31.3.09 31.3.08 [n-jvTnX ayqNz¬ ^≠p-I-fpsS
(i) {]Xy£ \nt£-]-߃ ˛ aqe-[\ Hml-cn, bqWn-‰p-Iƒ XpS-ßn-b-h-bpsS {]mY-anI
]cn-h¿Ø-\ob t_m≠p-Iƒ, ]cn-h¿Ø Cjyp-hns‚ ASn-ÿm-\-Øn¬ _m¶v
-\ob Un_-©-dp-Iƒ, ape-[-\m-[n-jvTnX Gs‰-SpØ A≠¿ssd-‰nwKv _m≤y-X-Iƒ. C√ C√
ayqNz¬ ^≠ns‚ bqWn-‰p-Iƒ, XpS-ßn-b-
h-bpsS tIm¿]kv Iº\n IS-ß-fn¬ (ix)tÃm°v t{_m°¿am¿°v am¿Pn≥
am{X-ambn \nt£-]n-°m-Ø-h. 47.38 63.81 t{SUnw-Kn-\mbn \¬Inb hmbv]-Iƒ. C√ C√
83

(x) kwcw` aqe[\ ^≠n¬ (cPn-ÿ A\p-h¿Øn-t°-≠-Xm-Wv. Cu


sNbvX-hbpw A√m-Ø-Xp-am-b-h) hI-bn-ep≈ samØw FIvkvt]m-j¿. C√ C√
Dƒs∏-´n-´p≈ F√m-hn[ FIvkvt]m-jdpw aqe-[\ hn]-Wn-°p≈ BsI hmbv]-XpI 354.14 352.82
Hmlcn kam-\-ambn IW-°m-°-s∏-Sp-∂-
(amt\Pvsa‚n\m¬ GIoIcn®Xpw
Xn-\m¬ aqe-[\ hn]-Wn-bpsS _m≤yXm
HmUn‰¿am¿ hnizmkØnseSpØXpw)
]cn[n ({]-Xy-£-ambpw ]tcm-£-am-bpw)

7.3 C\wXncn®p≈ dnkv°pw I¨{Sn FIvkvt]mjdpw (cq] tImSnbn¬)

dnkv°v hn`mKw 2009 am¿®v 2009 am¿®v 2008 am¿®v 2008 am¿®v
31˛\p≈ 31˛\p 31˛\p 31˛\v
A‰hmbv] hIbncpØnbXv A‰ hmbv] hIbncpØnbXv
\n mcw 282.70 C√ 360.11 C√
Ipd™Xv 79.64 C√ 152.68 C√
anXambXv 52.66 C√ 26.28 C√
Db¿∂Xv 0.31 C√ 4.56 C√
hfsc Db¿∂Xv C√ C√ 4.30 C√
]cnanXw 1.23 C√ C√ C√
Hm^v˛s{IUn‰v C√ C√ C√ C√
BsI 416.54 C√ 547.93 C√
31.03.2009 \v I¨{Sn˛dnkvIv FIvkvt]mj¿ GIoIcn°p∂Xn\mbn, FIvkvt]m¿´v s{IUn‰v Kymc‚n tIm¿∏tdj≥
Hm^v C¥ym enan‰Uv A\ph¿Øn®pt]mcp∂ Ggn\ XcwXncnhns‚ ASnÿm\ØnemWv Cu hn`P\w. s{XtjmƒUv
sehen\p Xmsgbp≈ dnkvIv FIvkvt]mjdpIƒ hIbncpØepIƒ th≠nh∂n´n√.

7.4 H‰ hmbv]°mc\pw (SGL) Iq´mb 8. a‰p≈h


hmbv]°m¿°pw (GBL) D≈ hmbv] 8.1 \S∏p h¿jØn¬ \nIpXn°p th≠nbp≈
]cn[n°XoXambhbpsS hniZhnhc߃ \o°bncn∏v
_m¶ns‚ hmbv ] m\bw A\pkcn®v H‰hmbv ] °mc\v hnhc߃ 2008-09 2007-08
sImSp°mhp∂ ]camh[n FIvkvt]mj¿ _m¶ns‚ aqe[\ BZmb \nIpXn°p 328.00 238.00
^≠ns‚ 15%Øn¬ A[nIamIm≥ ]mSn√mØXmWv. Nne th≠nbp≈ \o°nbncn∏v
{]tXyI klmNcyßfn¬ t_m¿Uns‚ Imcy\n¿∆lW kzØv \nIpXn 0.10 0.10
kanXnbpsS AwKoImctØmSp IqSn aqe[\^≠ns‚ B\pjwKnIem` \nIpXn 4.10 3.50
5%Øne[nIw hcmØ FIv k v t ]mj¿ A[nIambn
em`hnlnX hnXcW \nIpXn 11.05 8.50
\¬Imhp∂XmWv . CXv kw_‘n®v DNnXamb shfn
s∏SpØepIƒ hmbv]°mcs‚ kΩXtØmSpIqSn _m¶ns‚ 8.2 RBI NpaØnb ]ngIsf°pdn®p≈ shfns∏Spج
hm¿jnI dnt∏m¿´n¬ ImWn®ncn°p∂p. \S∏ph¿jw _m¶n\p ta¬ dnk¿hv _m¶v bmsXmcp
CX\pkcn®v _m¶ns‚ aqe[\ ^≠n¬ 15% ¬ IqSpX¬ ]ngbpw NpaØnbn´n√
h∂ FIvkvt]mjdpIfpsS hnhcw Xmsg sImSpØncn°p∂p.
9. A°u≠nwKv Ãm≥tUUvkv (AS)
a) Hmtcm A°u≠n\pw ]cnamh[n 20% AXmbXv 511.11 tImSn cq] A\pkcn®p≈ shfns∏Spج
ISw hmßnbhcpsS s{IUn‰v _m°nbp≈ 9.1 A°u≠nwKv Ãm≥tUUvkv
t]cv FIvkvt]mj¿ XpI AS-5 (Cu Imebfhnse A‰ em`w AYhm \jvSw)
enan‰v AS 9 (dh\yq sd°·oj\pw) ap≥ h¿jsØ
i) F®v.Un.F^v.kn en. 628.50 556.32 A°u≠nwKv \bØnep≠mb am‰w F∂nhbpw
ii) `mcXn jn]ymUv en. 555.00 530.42
]men®phcp∂ A°u≠nwKv \bØn\\pkrXambn
(b) hmbv] FSp°p∂ {Kq∏v (]cn[n 1,362.96 tImSn cq])
AhImi_n√pIƒ hmßnbXnt∑ep≈ ssIam‰/
CS- ] m- S p- I m- c psS GsX- ¶ nepw {Kq∏p- I - f n¬ _m¶v ]eni\nc°pw tem°¿ hmSIbpw scm°w ]Ww
AXns‚ FIvkvt]m-j¿ koenMv IS-∂n-´n-√. ASnÿm\ØnemWp IW°nseSpØncn°p∂Xv .
84

dnk¿hv _m¶v Hm^v C¥ybpsS am¿K\n¿tZi߃ _m≤yX-bpsS Ct∏m-gsØ hmeyp-


A\pkcn®v Cu C\ßfn¬ Imcyamb am‰ßƒ hns‚bpw ]≤Xn BkvXn-I-fpsS
s^b¿ hm-eyp-hn-s‚bpw hn\n-tbmKw
D≠mbn´n√mØXpsIm≠v Chsb kw_‘n®p
31.03.2009˛se ^≠p _m≤y-X
IqSpX¬ shfns∏SpØepIƒ Bhiyambn h∂n´n√. I
- f- psS Ct∏m-gsØ hne 843.85 245.78
CtX ASnÿm\Øn¬, ap≥ h¿jßfnse hchp 31.03.2009-˛se ]≤Xn
sNehp IW°pIfn¬ kmcamb am‰ßƒ BkvXn-If - psS s^b¿ hmeyp 619.65 229.13
D≠mImØXpsIm≠v AhbpsS ImcyØnepw Ipdhv (Iq-Sp-X¬) (220.57) (16.65)
shfns∏SpØepIƒ Bhiyambn hcp∂n√. ]≤Xn BkvXn-If - psS
FIvkv]o-cn-b≥kv AUvPÃ - vsa‚p-Iƒ ˛ ˛
9.2 A°u≠nwKv Ãm≥tUUvkns‚ A\p]me\w˛AS ]≤Xn _m≤yXI-fpsS
15 (]pXp°nbXv) FIvkv]o-cn-b≥kv AUvPÃ - vsa‚p-Iƒ ˛ ˛
Ign-™I - me tkh\ sNehv
1. {][m-\-s∏´ A°u-≠nwKv \b-ß-fn-t∑-ep-≈
AwKo-Ic - n-°s - ∏-Sm-ØXv ˛ ˛
apJy-amb am‰-߃ A‰ _m≤yX (B-kvXn) 220.57 16.65
2007 G{]n¬ 1 apX¬ _m¶v AS 15 (2005) {]Imcap≈ _me≥kv jo‰n¬ AwKo-Ic- n® XpI ˛ ˛
‘Poh-\°
- m-cpsS B\p-Iq-ey-߃’ F∂ coXn kzoI-cn-®p. _m≤y-XI - ƒ 843.85 245.78
BkvXn-Iƒ 619.65 229.13
2. Poh-\-°m¿°p≈ B\p-Iq-ey-߃
31.03.2009-˛¬ _me≥kv jo‰n¬
2.1 \n¿h-Nn® s]≥j≥ ]≤-Xnbpw {Km‰p-hn‰n
AwKo-Ic - n® A‰ _m≤yX/BkvXn 224.20 16.65
B\p-Iq-ey-ßfpw
em`-\-jvS-°-W-°p-I-fn¬ AwKo-I-cn-°-s∏´ s\‰v
Xmsg∏-db- p∂ ]´nI {]Imcw AS 15-˛\v Bh-iy-amb tImÃv
s]≥j≥ ]≤Xn B\p-Iq-ey-ßfpw {Km‰p-hn‰n ]-≤- \ne-hn-ep≈ tkh\ sNehv 20.13 11.09
Xnbpw dosk-‰n¬sa‚ v ]≤-Xnbpw Xmsg sImSp-Øn-cn- ]eni sNehv 52.62 16.72
°p-∂p. ]≤Xn BkvXn-If - psS
(cq] tImSn-bn¬) {]Xo-£n-°p∂ dnt´¨ (39.87) 16.13
hnh-c-߃ s]≥j≥ {Km‰p-hn‰n s\‰v BIvNypcn-b¬ \jvSw (24.45) (13.28)
]≤Xn (\-jvSw) ss{Xam-kØ - n¬
\n¿h- N n- ° - s ∏´ B\p- I qey _m≤y- X - I - f psS AwKo-Ic- n-®Xv Ign™ Ime tkh\
Ct∏m-gsØ aqey-Øn-ep≈ am‰w sNehv (\¬ImØ B\p-Iq-ey-߃)
AwKo-Ic - n-®Xv ˛ ˛
01.04.08˛¬ \n¿∆-Nn-°-s∏´ B\p-
Ign™ Ime tkh\ sNehv
Iq-ey-_m≤y-XI - f
- psS {]mcw` IW°v 745.24 233.34
(\¬Inb B\p-Iq-eyw)
Ct∏m-gp≈ tkh\ sNehv 20.13 11.09
AwKo-I-cn-®Xv ˛ ˛
]eni sNehv 52.62 16.72
BIvNyp-cn-b¬ \jvSw (em`w) 58.38 (4.84) \S∏p h¿jsØ em`-\jvS
Ign-™I - me tkh\ sNehv IW-°nse 16˛m-asØ sjUypfn¬
(\¬ImØ B\p-Iq-eyw) ˛ ˛ Poh-\°
- m¿°v \¬Ip-∂Xpw
Ign™ Ime tkh\ sNehv hI-bn-cpØpw F∂-Xn¬ \n¿
(\¬ImØ B\p-Iq-eyw) ˛ ˛ h-Nn® B\p-Iqey ]≤-Xn-If - psS
B\p-Iqeyw \¬InbXv (32.52) (10.53) samØw sNe-hp-Iƒ
31.03.2009-˛¬ \n¿∆-Nn-°-s∏´ B\p- Dƒs∏-Sp-Ønbn´p-≠v. 8.43 (1.60)
Iq-ey-_m≤yX-If - psS t¢mknwKv 843.85 245.78 ]≤Xn BkvXn-I-fpsS {]Xo-£n-°p∂ dnt´-Wn-s‚bpw
]≤Xn BkvXn-I-fpsS am‰w bYm¿∞ dnt´-Wn-s‚bpw s]mcp-Ø-s∏-Sp-Ø-ep-Iƒ
1.04.08˛se ]≤Xn BkvXn-If - psS ]≤Xn BkvXn-bpsS
s^b¿ hmeyp-hnse Bcw`w 513.63 215.09 {]Xo-£n-°p∂ dnt´¨ 39.87 16.13
]≤Xn BkvXn-If - psS ]≤Xn BkvXn-If - psS
{]Xo-£n-°p∂ dnt´¨ 39.87 16.13 BIvNyp-cn-b¬ em`w / \jvSw 82.83 8.44
sXmgn¬Zm-Xm-hns‚ Awi-Zm\w 15.84 0.00 ]≤Xn BkvXn-If - psS bYm¿∞
B\p-Iq-ey-߃ AS-®Xv (32.52) (10.53) dnt´¨ 122.70 24.57
BIvNyp-cn-b¬ em`w (\-jvSw) 82.83 8.44
31.03.2009-˛se ]≤Xn _me≥kv jo‰n¬ AwKo-I-cn® A‰ _m≤y-XpsS {]mcw`/
BkvXn-If - psS s^b¿ hmeyp 619.65 229.13 Ah-km\ _m°n-bpsS s]mcp-Ø-s∏-Sp-Ø-ep-Iƒ.
1.04.2008-˛se {]mcw` A‰-_m-≤yX 231.61 18.25
85

(cq] tImSnbn¬)
em`-\jvS IW-°p-If - n¬ 2.6 apJy BIvNyp-th-cn-b¬ \nKa\߃
AwKo-Ic - n® sNe-hp-Iƒ 8.43 (1.60) hnh-c-W-߃ \n¿h-Nn-°-s∏´ {Km‰p-hn‰n
sXmgn¬ZmXm-hns‚ Awi-Zm\w (15.84) 0 B\p-Iqey
31.03.2009-˛se _me≥kv jo‰n¬ s]≥j≥
AwKo-Ic - n® A‰-_m-≤yX/BkvXn 224.20 16.65 ]≤-Xn-Iƒ
ASpØ kmºØnI h¿jØn 1.4.2008-˛se Unkv°u≠v
se (2009˛-10) 80.00 20.00 \nc°v 8% 8%
2.2 31.03.2009¬ ]≤Xn BkvXn-If
- mb {Km‰p-hn‰n ^≠n- 1.4.2008˛se ]≤Xn
sebpw s]≥j≥ ^≠n-sebpw apX¬ apS-°p-Iƒ (Iq- BkvXn-I-fpsS
Sn-t®¿∂ ]en-i, _m¶v _me≥kv, a‰p BkvXn-Iƒ {]Xo-£n-°p∂ dnt´¨
F∂n-hs - bmgnsI a‰p-≈h
- ) \nc°v 8% 8%
1.4.2008-˛se iºf h¿≤-\hv 6% 6%
cq] tImSn-bn¬ 31.03.2009˛se Unkv°u≠v
B-kvXn-I-fpsS Xcw \nc°v 7% 7%
{Km‰p-hn‰n ^≠v s]≥j≥ ^≠v 31.03.2009˛se ]≤Xn BkvXn-
XpI ]≤Xn XpI ]≤Xn I-fnse {]Xo-£n-°p∂
BkvXn-I-fpsS% BkvXn-If - psS % dnt´¨ \nc°v 7.5% 7.5%
221.39 96.62% 600.89 96.97% 31.03.2009-˛se iºf h¿≤-\hv 6% 6%
ta¬∏d™hbn¬ tÉv _m¶v Hm^v C¥ybn¬ 2.7 ]W-s∏-cp-∏w, ko\n-tbm-dn-‰n, ÿm\°b‰w F∂n-h-
sNbvXn´p≈ apX¬apS°v Xmsg ]dbp∂ {]ImcamWv. sbbpw sXmgn¬ hn]-Wn-bnse a‰p _‘-s∏´ LS-I-
cq] tImSn-bn¬ ß-fmb hnX-c-Ww, Bhiyw F∂n-h-sbbpw IW-°n-
B-kvXn-I-fpsS Xcw se-SpØv `mhn-bnse iºf h¿≤-\hv BIvNyp-th-cn-b¬
{Km‰p-hn‰n ^≠v s]≥j≥ ^≠v hmeyp-th-j\- n¬ IW-°m-°p-∂p.
XpI ]≤Xn XpI ]≤Xn
BkvXn-I-fpsS% BkvXn-If - psS % 3. \n¿hNn-°-s∏´ Awi-Zm\ ]≤Xn
46.00 20.07% 52.00 8.39% 3.1) 8.54 tImSn cq] _m¶ns‚ t{]mhn-U‚ v ^≠v ]≤-
Xn-bn¬ sNe-hmbn AwKo-Ic - n-°p-Ibpw AXns\ em`-\-
2.3 em`-\jvS IW-°p-If
- n¬ F√m BIvNp-th-cn-b¬ jvS-°-W-°p-I-fn¬ "Poh-\-°m¿°v \¬Ip-∂Xpw hI-
em`hpw \jvShpw ]q¿W-ambpw AwKo-I-cn-®n-´p-≠v. bn-cp-Øp-∂Xpw' F∂ hn`m-KØ - n¬ Dƒs∏-Sp-Øp-Ibpw
sNbvXn-´p-≠v.
2.4 hnhn[ ]≤-Xn-I-sf-°p-dn-®p≈ eLp-hn-h-c-Ww.
4. Poh-\-°m-cpsS a‰p Zo¿L-Im-e-tØ-°p≈ B\p-
s]≥j≥ sXc-s™-SpØ A¿l-Xb
- p≈ F√m Poh-\- Iq-ey-߃
°m¿°pw Imemh[n ]q¿Ønbm°n ]ncn™p t]mI¬, 28.62 tImSn cq] Poh-\°- m-cpsS a‰p Zo¿L-Ime B\p-
kzbw hncan°¬ F∂nhbv°pw s]≥j≥ \¬Ip-∂p. Iq-ey-ßf- nse sNe-hmbn AwKo-Ic - n-°p-Ibpw AXv em`-
s]≥j\v A¿l-am-I-W-sa-¶n¬ Poh-\-°m¿ G‰hpw \jvS IW-°p-If - nse “Poh-\°
- m¿°v \¬Ip-∂Xpw hI-
bn-cp-Øp-∂Xpw” F∂ hn`m-KØ - n¬ Dƒs∏-Sp-Øp-Ibpw
Ipd-™Xv 10 h¿jsØ tkh\w ]q¿Øn-bm-°n-bn-cn-
sNbvXn-´p-≠v.
°-Ww.
9.3 A°u-≠nwKv Ãm≥tU¿Uvkv AS 17
A¿l- c mb F√m Poh- \ - ° m¿°pw Imemh[n
(sk-Kvsa‚¬ dnt∏m¿´nw-Kv)
]q¿Ønbm°n ]ncn™p t]mIptºmtgm, kzbw `mKw A _nkn-\ v skKvsa‚p-Iƒ
hncan°ptºmtgm {Km‰p-hn‰n \¬Ip-∂X
- m-Wv. {Km‰p-hn- RBI am¿§- \ n¿t±- i - ß ƒ {]Imcw _m¶v _nkn- \ kv
‰n°v A¿l-am-IW
- s
- a-¶n¬ Poh-\°
- m-c≥ G‰hpw Ipd- skKvsa‚ns\ Xmsg-∏d- b - p-∂ coXn-bn¬ ]p\x-h¿§o-Ic - n®v
™Xv 5 h¿jsØ tkh\w ]q¿Øn-bm-°n-bn-cn-°W
- w. {]h¿Øn-°p-∂p.
a) tIm¿∏-td‰v / kºq¿Æ _m¶nwKv b) Nn√d hym]mc
2.5 A°u-≠nwKv Ime-bf
- h
- nse ]≤Xn BkvXn-If
- psS {]Xo-
_m¶nwKv c) {Sjdn d) a‰p _m¶nwKv {]h¿Ø-\ß - ƒ
£n-°p∂ dnt´¨ Iev]nX dnt´¨ \nc°v B[m-ca- m-°n- Xmsg- ∏ - d - b p∂ am\- Z - W v U - Ø n- e mWv h¿§o- I - c Ww
bp-≈X
- m-Wv. Iev]nX dnt´¨ \nc°v {]Xn-h¿jw 8% BWv. sNbvXn-cn-°p-∂Xv
86

BkvXn-Iƒ Dƒs∏-Sp-ØmØ F√m tem¨ / hmbv]m A°u-≠p-


i) kºq¿Æ/tIm¿∏-td‰v _m¶nwKv 5 tImSn cq]-bn-e- Ifpw Nn√d hym]mc _m¶nw-Kn¬ Dƒs∏-Sp-∂p.
[nIw FIvkvt]m-j¿ D≈ F√m tem¨ / hmbv]m iii) {Sjdn: C≥sh-Ãp-sa‚ v t]m¿´p-t^m-fntbm samØ-
A°u-≠p-Is - fbpw kºq¿Æ/ tIm¿∏-td‰v _m¶nw- Øn¬ {Sjdn skKvsa‚n¬ h¿§o-Ic - n-®n-´p-≠v.
Kn¬ h¿§o-I-cn-®n-´p-≠v.
iv) a‰p _m¶nwKv {]h¿Ø- \ - ß ƒ ˛ _m¶n\v a‰p
ii) Nn√d hym]mc _m¶nwKv: ta¬∏d™ hn`m-KØ- n¬ _m¶nwKv Hm∏-td-j≥ skKvsa‚ v ˛ C√.
`mKw B _nkn-\ v skKvsa‚p-Iƒ (cq] tImSnbn¬)
_nkn-\kv {Sjdn tIm¿∏-td‰v / dos´-bn¬ a‰p samØw
skKvsa‚p-Iƒ kºq¿W _m¶nwKv _m¶nwKv
_m¶nwKv {]h¿Ø-\-߃
hnh-c-W-߃ 31.03.09 31.03.08 31.03.09 31.03.08 31.03.09 31.03.08 31.03.09 31.03.08 31.03.09 31.03.08
hchv 1023.08 831.24 1618.64 639.47 2054.53 2402.15 0.00 0.00 4696.25 3872.86
^ew 161.94 91.54 282.28 79.25 358.30 356.95 0.00 0.00 802.52 527.74
hI-bn-cp-ØmØ Nne-hp-Iƒ 0.00 0.00
{]h¿Ø\ em`w 802.52 527.74
hc-pa
- m\ \nIpXn 194.68 141.63
Akm-[m-cW em`w / \jvSw 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A‰m-Zmbw 607.84 386.11
a‰p hnh-c-߃
skKvsa‚ v BkvXn-Iƒ 15762.83 14830.56 14824.13 5997.64 18554.51 23077.03 0.00 0.00 49141.47 43905.24
\o°n-hb - °
v mØ BkvXn-Iƒ 319.09 199.32
samØw BkvXn-Iƒ 49460.51 44104.56
skKvsa‚ v _m≤y-XI - ƒ 2685.86 2953.24 19457.07 8390.02 27316.02 32761.29 0.00 0.00 49458.95 44104.56
\o°n-hb - °
v mØ _m≤y-XI- ƒ 1.56 0.00
samØw _m≤y-XI - ƒ 49460.51 44104.56

`mKw (C): `qanimkv{X]camb Jfi߃


F‚¿ss{]kkv BbXn\m¬, Ahsc kw_‘n®
_m¶v Xt±iobamb JfiØn¬ am{Xw {]h¿Øn CS]mSpIƒ shfns∏SpØnbn´n√.
°p∂Xn\m¬ `qanimkv { X]camb JfiØn¬
9.5 A°u≠nwKv Ãm≥tU¿Uv ˛ AS 20: {]Xn Hmlcn
{]tXyIamb bmsXmcp shfns∏SpØepw C√.
kºmZyw
9.4 A°u≠nwKv Ãm≥tU¿Uv ˛ AS 18 {]XnHmlcn kºmZyw Xmsg]dbpw {]Imcw IW°m
(_‘s∏´ I£nbpsS shfns∏SpØepIƒ) °nbncn°p∂p.

_‘s∏´ I£nbpsS shfns∏SpØepIƒ: _m¶ns‚ hniZhnhc߃ 31.03.2009 31.03.2008


{]apJ amt\Pvsa‚ v DtZymKÿk©bhpw AhcpsS A‰em`w (cq] tImSnbn¬) 607.84 386.11
thX\hpw Xmsg ]dbp∂p. CIzn‰n HmlcnIfpsS
apJyicmicn FÆw 500,00,000 500,00,000
{io Fw cmakzman, amt\-PnwKv Ub-d-IvS¿ (01.04.2008
{]Xn HmlcnkºmZyw (cq]) 121.57 77.22
apX¬ 30.09.2008 hsc)
(ASnÿm\]chpw eLqIcn°s∏´Xpw)
iº-fhpw Ae-h≥kpw : 7,65,295 cq]
A\p-em`w (Perquisites): 1,21,642 cq] 9.6 A°u≠nwKv Ãm≥tU¿Uv ˛ AS 22:
{io F sI. PK∂mY≥, amt\-PnwKv Ub-dI - vS¿ (01.10.2008 \nIpXnIƒ°pw BZmbØn\pwth≠nbp≈
apX¬ 31.03.2009 hsc) A°u≠nwKv
iº-fhpw Ae-h≥kpw : 3,43,080 cq] 31 am¿®v 2009 apX¬ am‰nhbv°s∏´ \nIpXn
A\p-em`w (Perquisites): 90,399 cq]
BkvXnIfpsSbpw (DTA), am‰nhbv°s∏´ \nIpXn
Ipdn∏v: as‰√m _‘s∏´ I£nIfpw C≥Ãn‰yq´v Hm^v
_m[yXIfpsSbpw (DTL) _m°n\n¬∏ns‚ {][m\
Nm¿t´Uv A°u≠‚ vkv Hm^v C¥ybpsS AS-18
LS\bv°\pkcn®p≈ XcwXncn°¬ Xmsg ImWpw
A\pkcn®p≈ \n¿hN\{]Imcw tÉv I¨t{SmƒUv
{]ImcamWv.
87

(cq] tImSnbn¬) b. BIkvanI _m[yX (sjUyqƒ 12 ImWpI).


ka-bh
- y-XymkØn\v A\pkr 1.04.2008˛se \S∏ph¿jsØ 31.03.09˛se
Xambn \nIpXnbpsS {]`mhw {]mcw` AUvPÃp \o°n {Ia\º¿ (i), (vi), (vii) F∂nhbnteXpt]mep≈
_m°n sa‚pIƒ bncp∏v _m[yXIƒ bYm{Iaw, tImSXnhn[n/B¿_nt{Sj≥/
in P&L In
General tImSXn°p ]pdØp≈ Xo¿∏v , A∏o¬ Xo¿∏v ,
Reserve* Xncn®S°m≥ Bhiy s∏Sp∂ XpI, Icm¿
am‰nhbv°s∏´ \nIpXn BkvXnIƒ
In´m°S߃°pw hyhÿbnse _m[yXIƒ, _‘s∏´ I£nIƒ
kwibmkv]Z IS߃°pw D∂bn°p∂ Bhiyßfnt∑ep≈ kw`mhyXIƒ
\nehmc BkvXnIƒ
°pap≈ hIbncpج 50.40 C√ C√ 50.40 F∂nhsb B{ibn®ncn°p∂p.
Poh\°mcpsS B\pIqey߃
°p≈ hIbncpج 60.54 C√ (12.72) 47.82 10. ÿnc BkvXnIƒ
a‰p≈h 17.35 20.43 C√ 37.78
a) ^vfm‰ns‚ ImcyØn¬ bYm¿∞-Øn¬ hmßnb hne-
samØw am‰nhbv°s∏´
\nIpXn BkvXnIƒ 128.29 20.43 (12.72) 136.00 bn-emWv Ah-a-Xn-°¬ IW-°m-°n-bn-cn-°p∂Xv.
am‰nhbv°s∏´ \nIpXn _m[yXIƒ
apX¬apS°pIfpsS
ÿe-Øns‚ hne {]tXy-Ia - mbn e`y-a√.
hnebnSnhpw EWtamN\hpw 8.02 (40.94) C√ (-32.92)
ÿncBkvXnIƒ 1.56 C√ C√ 1.56 b) tÉv _m¶v Hm^v C¥ybpsSbpw a‰v Atkmkntb‰v
samØw am‰nhbv°s∏´ _m¶pIfpsSbpw Iq´mb DSaÿXbnep≈ ÿnc
\nIpXn _m[yXIƒ 9.58 (40.94) C√ (31.36)
BsI am‰n hbv°s∏´ BkvXnIfpsS samØ aqeyw ({]nankkv
\nIpXn BkvXnIƒ / Dƒs∏SmsX) cq. 515.58 tImSn cq]bmWv (Ign™
(_m[yXIƒ) 118.71 61.37 (12.72) 167.36
h¿jw CXv 427.30 tImSn cp]bmbncp∂p). _m¶ns‚
AS 15 (]pXp°nb) Poh\°mcpsS B\pIqeyw A\ph¿Øn°p∂Xp sIm≠v
Hmlcn cq] 51.56 tImSnbmWv (Ign™ h¿jw CXv
]cnh¿Ø\ _m≤yXbnep≈ AUvPÃvsa‚ v.
42.73 tImSn cp]bmbncp∂p).
9.7 A°u≠nwKv Ãm≥tU¿Uv ˛ AS 28:
BkvXnIfpsS \mi\jvSw.
11. s]mcpØs∏SpØ-ep-Iƒ
_m¶v amt\Pvsa‚ns‚ A`n{]mbØn¬ ""A°u≠nwKv A¥¿imJm CS]mSpIƒ, tÉv _m¶v Hm^v
Ãm≥tU¿Uv 28 ˛ BkvXnIfpsS \jvSw'' _m[Iam° C¥y bnepw Atkmkntb‰v _m¶pIfnepap≈
Ø°hÆw GsX¶nepw ÿmhc BkvXn°v A°u≠pIƒ, Khs◊‚ v A°u≠v, CS]mSpIƒ
\mi\jvSßfp≠mbn´n√. (tI{µw & kwÿm\w), {Um^v‰v t]b_nƒ A°u≠v
t\mkv t {Sm A°u≠pIƒ, knÃw kkv s ]≥kv
9.8 A°u≠nwKv Ãm≥tU¿Uv ˛ AS 29:
A°u≠v, ¢nbdnwKv a‰p AUvPÃnwKv A°u≠pIƒ
hIbncpØepIƒ, _m[yXIƒ, BIkvanI
F∂o A°u≠pIƒ s]mcpØs∏SpØepIfns‚
_m[yXIƒ F∂nhbpsS hnhcw.
hnhn[ L´ßfnemWv. amt\Pvsa‚ns‚ A`n{]mb
a. hIbncpØense am‰w (sjUyqƒ 5¬ a‰p _m≤y
Øn¬ CØcw shfns∏SpØepIƒ kmºØnI
XIfpw hIbncpØepIfnepw Dƒs∏SpØnbncn°p∂p)
hnhcWØn¬ bmsXmcp hn[Ønep≈ {]k‡
(tImSn cq]bn¬)
am‰ßfpw D≠m°p∂n√.
hnhcw hncan® BIkvanI IcmdSnÿm
Poh\ sNehp \Øn¬ 12. a‰p shfns∏SpØepIƒ
°mcpsS Iƒ°p≈ D≈ 12.1 IcpX¬ hIbncpØepIfpsSbpw BIkvanI
NnIn’m hIbn Poh\°m¿ sNehpIfpsSbpw hnhc߃ (tImSn cq]bn¬)
klmbw cpج em`\jvSIW°nse sNehn\Øn¬
2008 G{]n¬ 1˛se _m°n C√ 1.61 16.00 ImW®ncn°p∂ IcpX¬ hIbncpØ
\S∏ph¿jsØ h¿≤\ 2.00 C√ 42.00 epIfpsSbpw BIkvanI sNehpIfp
\S∏ph¿jw sSbpw hnt«jnX hnhc߃ 2008˛-09 2007˛08
D]tbmKn®Xv/am‰nbXv 2.00 C√ C√
i) \nt£]ßfpsS aqey£bØn\p
2009 am¿®v 31˛se _m°n C√ 1.61 58.00
th≠nbp≈ hIbncpج 35.56 44.02
88

(cq] tImSnbn¬)
ii) \njv{Inb BkvXn°p hnhcWw 2008-09 2007-08
th≠nbp≈ hIbncpج 54.53 105.28 a) Aÿnc IcpX¬ hIbncpج
iii)AÿnchIbncpج 100.00 0.00 IW°nse {]mcw` _m°n 15.72 15.72
iv)\nehmcap≈ BkvXn°p b) kmºØnI h¿jØn¬ Aÿnc
th≠nbp≈ hIbncpج 0.00 11.14 IcpX¬ hIbncpØen\mbn
v) BZmb\nIpXn°p am‰n h® XpI 100.00 C√
th≠nbp≈ hIbncpج* 239.13 238.00 c) kmºØnI h¿jw ]n≥hen® XpI 15.72 C√
vi)a‰p IcpX¬ hIbncpØepIfpw d)Aÿnc IcpX¬ hIbncpج
BIkvanI NnehpIfpw IW°nse \o°nbncp∏v 100.00 15.72
(hniZhnhcßtfmsS)
12.3 ]cm-Xn-If - psS shfn-s∏-Sp-ج
a) ]p\¿LS\ sNbvX \njv{Inb
A CS-]m-Sp-Im-cpsS ]cm-Xn-Iƒ
BkvXnIfpsS Cfhv sNbvX
a) h¿jm-cw-`Ø - n¬ Xo¿∏m-ImØ
]enibv°p≈ hIbncpج 4.22 (7.47)
]cm-Xn-If
- psS FÆw 14
b) ]p\¿LS\ sNbvX \nehmcap≈
b) Cu h¿jw kzoI-cn® ]cm-Xn-If - psS FÆw 1216
BkvXnIfpsS Cfhv sNbvX
c) \S-∏p-h¿jw ]cn-lc- n® ]cm-Xn-If - psS FÆw 1-197
]enibv°p≈ hIbncpج (8.90) 12.38
d) h¿jm-hk - m\w Xo¿∏m-ImØ ]cm-Xn-If - psS FÆw 33
c) ]p\¿LS\ sNbvX \ymbhnebn¬
Ipdhn\p≈ hIbncpج 15.22 0.00 B _m¶nwKv Hmw_p-Uvkvam≥ ]mkm-°nb hn[n
d) a‰p hIbncpØepIƒ 11.13 0.00 a) h¿jm-cw-`Ø
- n¬ \S-∏m-°mØ
e) iºf IpSn»nIbv°p \ymb-Øo¿∏p-If - psS FÆw C√
th≠nbp≈ hIbncpج 42.00 16.00 b) \S-∏p-h¿jw _m¶nwKv Hmw_p-Uvkvam≥
f) B\pjwKnI em`\nIpXn°p≈ ]mkm-°nb \ymb-Øo¿∏p-If - psS FÆw C√
hIbncpج 4.10 3.50 c) \S-∏p-h¿jw \S-∏n-em-°nb
f) am‰nh® \nIpXn (48.65) (99.97) \ymb-Øo¿∏p-If - psS FÆw C√
g) kzØp\nIpXn 0.10 0.10 d) h¿jm-hk - m\w \S-∏n-em-°m≥ ]‰mØ
samØw 448.44 322.98 \ymb-Øo¿∏p-If - psS FÆw C√
*FgpXnØ≈nb A[nIs\‰v hIbncpØemb 88.87 12.4 a‰p-≈h
tImSn cq] Ign™h¿jsØXmWv. a)\S∏v h¿jw _m¶v Iq∏¨ H¨en kzm]neqsS
12.2 Aÿnc hIbncpØepIƒ (slUvPnwKnse Hcp sUdnth‰ohv Dev]∂w) 6.33 tImSn
^vtfm´nwKv s{]mhn-j-\n¬ e`y-amb 15.72 tImSn cq], cq]bpsS em`w D≠m°n. RBI am¿§\n¿t±iØn\
2008 sk]v‰w-_¿ 22-˛se dnk¿hv _m¶v k¿°p-e¿ \pkrXambn \nIpXn Ign®p≈ XpIbmb 3.13 tImSn cq]
DBOD No. BP.BC. 48/21.04.048/2008-09 A\p-k-cn- sUdnth‰ohpIƒ°p th≠nbp≈ kvs]jy¬ dnk¿∆nte°v
®v, ADWDRS ]≤Xn {]Imcw A¿l-Xb - p≈ A°u-≠p- am‰nbn´p≠v.
Iƒ°v, sk]v‰w-_¿ 2008 hsc-bp≈ ]eni \jvSw hI- b)\S-∏p-h¿jw _m¶v, C¥ym Kh-s◊‚ns‚ \n¿t±-i{- ]-
h-bv°p-∂X- n-te-°mbn Cs°m√w ]n≥h-en-®p. Imcw 2008-˛se Im¿jnI IS-߃ Fgp-Xn-Ø≈ - p-∂X- n\pw
Bizmkw \¬Ip-∂X - n-\p-ap≈ ]≤Xn \S-∏n-em-°n. IS-
߃ Fgp-Xn-Ø≈ - p∂ ]≤-Xn-b\ - p-kc
- n®pw ISm-izmk
]≤-Xn-b-\p-k-cn®pw In´m-\p≈ XpI bYm-{Iaw 324.22
tImSn cq]bpw 19.95 tImSn cq]-bp-am-Wv. Cu XpI \mep
Xh- W - I - f mbn Kh¨sa‚ v \¬Ip- ∂ - X m- b n- c n- ° pw.
89

A¿l-Xb - p≈ I¿j-Ic - n¬ \n∂p Int´-≠X - mb XpI-bpsS 12.5 _m¶v ]pds∏Sphn°p∂ set‰gvkv Hm^v Iw^¿´vkv
Ct∏m-gsØ aqey-Øn-ep≈ \jvSØ - n\p aXn-bmbn XpI (LoC) bpsS shfns∏SpØepIƒ
hI-bn-cp-Øn-bn-´p≠v (1.17 tImSn cq]). C√
C¥ym Kh-s◊‚ v \¬tI≠ Xh-W-Iƒ°v ]eni 12.6 t^m¿hm¿Uv FIvkvtN©v IcmdpIƒ
Xcm\pw Xocp-am-\n-®n-´p-≠.v Cubn-\Ø
- n¬ e`n-t°-≠X
- mb 31.03.2009 ¬ _m°n\n¬°p∂ XpI cq. 9,667.55 tImSn
]eni (5.05 tImSn cq]) _m¶v AwKo-I-cn-°p-Ibpw,
Bhiyap≈nSsØ√mw ap≥h¿jsØ kwJyIƒ
em`\jvS°- W
- ° - n¬ Dƒs∏-Sp-Øp-Ibpw sNbvXn-´p-≠v.
]p\x{IaoIcn®n´p≠v.
c) \S-∏p-h¿jw, ^vtfm´nwKv s{]mhn-j-\nse 15.72 tImSn
cq], Im¿jn-II - S- ß
- ƒ Fgp-Xn-Øf
- f
- p-∂X
- n\pw Bizmkw
\¬Ip-∂X - n-\p-ap≈ 2008-˛se ]≤-Xn-{]-Imcw ]en-ibv°pw
a‰p sNe-hp-Iƒ°p-ambn _m¶v hn\n-tbm-Kn-®p.

kn≤m¿Yv _nkzm¬ Fkv F¬ lcnlc≥ F sI PK∂mY≥ H ]n `´v


sU]yq´n P\-d¬ amt\-P¿ P\-d¬ amt\-P¿ ({Sjdn) amt\-PnwKv Ub-d-IvS¿ sNb¿am≥
([-\-Im-cyhpw A°u≠pIfpw)

Ub-d-IvS¿am¿
Pn_≥ tKmkzman sI kn _tµm]m≤ymbv Fkv F XnΩø sI XmWp ]n≈
F tkXpam[h≥ F tXmakv ]n hn inhi¶c]n≈ kn Sn tImin
CtX Xob-Xn-bn¬ Rß-fpsS dnt∏m¿´n¬ ]d-™n-´p-≈X
- p-t]mse
HmUn-‰¿am¿
t{]w Kp]vXm B≥Uv tkmUm\n B≥Uv
Iº\nbv°v th≠n Iº\nbv°v th≠n
Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv
A\n¬ Ipam¿ Kp]vX PKZoiv [h≥
]¶mfn ]¶mfn
AwKXz kwJy 082847 AwKXz kwJy 088596
kmlm KmwKpen B≥Uv cma\mYw B≥Uv sPbn≥ B≥Uv
Atkmkntb‰vkn\p th≠n dmhphn\v th≠n sPbn\n\p th≠n
Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv Nm¿t´¿Uv A°u-≠‚ vkv
kao¿ Ipam¿ kmlm kn. Imtaizc dmhp \ncRvP≥ Fw. sPbn≥
]¶mfn ]¶mfn ]¶m-fn
AwKXz kwJy 051392 AwKXz kwJy 024363 AwKXz kwJy 101360

apwss_, 23 G{]n¬ 2009


90

2009 am¿®v 31 \v Ah-km-\n® h¿jsØ tÉv _m¶v Hm^v {Smh≥Iq¿


]W-{]-hm-l-hn-h-c-W-°p-dn∏v
(cq] BbncØn¬)
31-03-09\v kam-]n® h¿jw 31-03-08\v kam-]n® h¿jw

(A) {]h¿Ø\ CS-]m-Sp-I-fn¬ \n∂p≈ ]W-{]-hmlw (955 22 29) 629 96 67


(B) apX¬apS°v CS-]m-Sp-If
- n¬ \n∂p≈ ]W-{]-hmlw (46 71 14) (54 10 07)
(C) kmº-ØnI CS-]m-Sp-If
- n¬ \n∂p≈ ]W-{]-hmlw (230 89 95) 460 86 35
]W-Ønepw ]W-Xpey CS-]m-Sp-I-fn-ep-ap≈
samØw am‰w (F+_n+kn) (1232 83 38) 1036 72 95
(D) h¿jm-cw-`Ø
- n-ep≈ ]W-hpw ]W-Xp-ey-Im-cy-ßfpw 3687 49 24 2650 76 29
(E) h¿jm-¥y-Øn-ep≈ ]Whpw ]W-Xp-ey-Im-cy-ßfpw
(F+_n+kn+Un) (1232 83 38) 2454 65 86 1036 72 95 3687 49 24
A. {]h¿Ø\ CS-]m-Sp-I-fn¬ \n∂p≈ ]W-{]-hmlw
\S∏ph¿jsØ A‰mZmbw 607 83 79 386 11 09
Iq´pI: hcpam\ \nIpXn°pw iºtfXc
hcpam\\nIpXn°pw th≠nbp≈ hIbncpج 243 23 00 241 50 00
a‰p \nIpXnIƒ°v th≠nbp≈ hI-bn-cp-ج 10 00 10 00
am‰nh® \nIpXnIƒ (48 65 00) (99 97 00)
\nIp-Xn°p apºp≈ A‰m-Zmbw 802 51 79 527 74 09
{Iao-I-c-W-߃ : aqey-£b \nc-°p-Iƒ 41 33 99 48 25 28
\njv{Inb BkvXn-Iƒ°p-th-≠n-bp≈ hI-bn-cp-ج 54 52 86 105 28 16
\ne-hmc BkvXn-Iƒ°p-th-≠n-bp≈ hI-bn-cp-ج 0 11 14 00
ap-X-¬apS-°p--I-fn≥ta-ep≈ aqey-£bw 35 56 07 44 01 59
ap-X-¬apS-°ns‚ ]p\¿aqey\n¿ÆbØn≥ ta¬
em`w/\„w 150 27 51 141 63 61
a‰p Icp-X-ep-Iƒ 68 35 02 16 00 00
\qX\ imizX EW C≥kv{Spsa‚pIƒ°v \¬Inb ]eni 28 63 00 18 78 57
A∏¿ Snb¿ II t_m≠pIƒ°v \¬Inb ]eni 50 05 00 46 18 55
Fkv._ - n.-Sn t_m≠pIƒ°v \¬Inb ]eni 76 17 60 63 96 55
Ipd-bv°pI : {]Xy-£\ - n-Ip-Xn-Iƒ 243 51 95 215 35 24
D]-XpI 261 39 10 279 91 07
{Iao-Ic- W
- ß- ƒ:
\nt£-]-ß-fnse h¿[\/(Ipdhv) 6688 02 68 4369 87 65
ISw hmß-ep-I-fnse h¿[\/(Ipdhv) (2041 52 41) 946 21 06
apX¬ap-S-°p-I-fnse (h¿[\)/Ipdhv (2064 58 78) (1820 52 10)
hmbv]-I-fnse (h¿[\)/Ipdhv (4628 83 65) (3612 01 32)
a‰p _m[y-X-I-fnepw hI-bn-cp-Ø-ep-I-fn-ep-ap≈
h¿[\/(Ipdhv) 317 94 56 (226 45 42)
a‰p BkvXn-I-fn-ep≈ (h¿[\)/Ipdhv (290 15 58) 165 21 64
{]h¿Ø\ \S-]-Sn-I-fnse samØw ]Ww (955 22 29) 629 96 67
91

31-03-09\v kam-]n® h¿jw 31-03-08\v kam-]n® h¿jw


B. apX¬ap-S-°v CS-]m-Sp-I-fn¬\n∂p≈ ]W-{]-hmlw
A\p_‘ ÿm]\ßfntem kwbp‡
ÿnc BkvXn-Iƒ (46 71 14) (54 10 07)
apX¬ap-S°v CS-]m-Sp-Iƒ°p-]t- bm-Kn® samØw cq]m (46 71 14) (54 10 07)
C. kmº-ØnI CS-]m-Sp-If - n¬ \n∂p≈ ]W{]hmlw
\qX\ imizX EW
C≥kv{Spsa‚pIfpsS ]pds∏Sphn°¬ 0 100 00 00
A∏¿ Snb¿ II t_m≠pIƒ ]pds∏Sphn°¬ 0 300 00 00
kt_m¿Un-t\‰Uv t_m≠p-Iƒ ]pd-s∏-Sp-hn-°¬ 0 250 00 00
\thmt∑j ÿnchmbv]m C≥kv{Spsa‚pIƒ°v
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A∏¿ Snb¿ II t_m≠pIƒ°v
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t_m≠p-Iƒ°v \¬Inb ]eni (76 17 60) (63 96 55)
\¬Inb em`hnlnXw (76 04 36) (60 19 98)
kmº-ØnI CS-]m-Sp-Iƒ - °v \¬Inb samØw ]Ww (230 89 95) 460 86 35
D. h¿jm-cw-`Ø - n-ep≈ ]Whpw ]W-Xp-ey-Im-cy-ßf
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i) ssIh-ia - p≈ ]Ww
(hn-tZi Id≥kn t\m´pIfpw kz¿Æhpw Dƒs∏-sS) 78 86 83 72 73 36
ii) dnk¿hv _m¶n-s‚ ssIh-ia - p≈ _m°n 3195 97 84 2390 86 55
iii) _m¶n-ep-≈ _m°nbpw Bh-iy-s∏-Sp-tºmgpw
{lkz-Ime kqN-\b - nepw e`n-°p∂ ]Whpw 412 64 57 3687 49 24 187 16 38 2650 76 29
E. h¿jm-¥y-Øn-ep≈ ]Whpw ]W-Xp-ey-Im-cy-ßfpw
i) ssIh-ia - p≈ ]Ww
(hn-tZ-i I
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ii) dnk¿hv _m¶ns‚ ssIh-ia - p≈ _m°n 2108 09 81 3195 97 84
iii) _m¶n-ep-≈ _m°nbpw Bh-iy-s∏-Sp-tºmgpw
{lkz-Ime kqN-\b - nepw e`n-°p∂ ]Whpw 125 93 34 412 64 57
2454 65 86 3687 49 24

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AwKXz kwJy 082847 AwKXz kwJy 088596
kmlm KmwKpen B≥Uv cma\mYw B≥Uv sPbn≥ B≥Uv
Atkmkntb‰vkn\p th≠n dmhphn\v th≠n sPbn\n\p th≠n
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kao¿ Ipam¿ kmlm kn. Imtaizc dmhp \ncRvP≥ Fw. sPbn≥
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92

+x…÷∫…⁄S…“ 18
±…‰J……Â EÚ“˙  ]ı{{… h…™……ƒ
1. {…⁄Vƒ …“
{…⁄Vƒ …“ {…™……«{i…i…… +x…÷{……i…
¶……Æi…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… V……Æ˙“  ¥…k…“™…  ¥…¥…Æ˙ h…™…… B¥…∆  n˘∂…… x…nÊ˘∂…… E‰Ú +…v……Æ˙ {…Æ˙ §…ÈEÚ E‰Ú  x…v……«Æ˙h… E‰Ú +x…÷∫……Æ˙ {…⁄Vƒ …“ V……‰ J…®… ¶…… Æ˙i…
+…Œ∫i… +x…÷{……i…  x…®x… ∞¸{… ®… {… Æ˙EÚ ±…i…  EÚ™…… M…™…… Ω˲*
B. §…‰∫…±… - I E‰Ú +x…÷∫……Æ˙ 31.03.2009 31.03.2008
i) {…⁄Vƒ …“ V……‰ J…®… ¶…… Æ˙i… +…Œ∫i… +x…÷{……i… (∫…“ +…Æ˙ B +…Æ˙) 12.13% 12.68%
ii) {…⁄Vƒ …“ V……‰ J…®… ¶…… Æ˙i… +…Œ∫i… +x…÷{……i… -  ]ı™…Æ˙ I 7.43% 6.94%
iii) {…⁄Vƒ …“ V……‰ J…®… ¶…… Æ˙i… +…Œ∫i… +x…÷{……i… -  ]ı™…Æ˙ II 4.70% 5.74%
iv ) ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ EÚ“ ∂…‰™…Æ˙ v……Æ˙h…… EÚ… |… i…∂…i… E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
§…“. §…‰∫…±… - II E‰Ú +x…÷∫……Æ˙
¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ E‰Ú ¥…i…«®……x… ®……M…« x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ §…ÈEÚ 31.3.2008 ∫…‰ x…™…“ {…⁄Vƒ …“ {…™……«{i…i…… f¯…S∆ …‰ ®… {… Æ˙¥…Ãi…i… Ω˛…‰ M…™……* §…ÈEÚ x…‰ @Òh…
V……‰ J…®… E‰Ú  ±…B ®……x…EÚ“EfiÚi… o˘Œπ]ıEÚ…‰h… §……W…˜…Æ˙ V……‰ J…®… E‰Ú  ±…B ®……x…EÚ“EfiÚi… ∫…®…™… o˘Œπ]ıEÚ…‰h… §…‰∫…±… - II E‰Ú +xi…M…«i…  x…®x…i…®… {…⁄Vƒ …“ E‰Ú
{… Æ˙EÚ±…x… EÚ“ +…‰Æ˙ {… Æ˙S……±…x……i®…EÚ V……‰ J…®… E‰Ú  ±…B ®…⁄±… ∫…∆EÚ‰ i…EÚ o˘Œπ]ıEÚ…‰h… EÚ…‰ +{…x……™……*
i) {…⁄Vƒ …“ V……‰ J…®… ¶…… Æ˙i… +…Œ∫i… +x…÷{……i… (∫…“ +…Æ˙ B +…Æ˙) 14.03% 13.53%
ii){…⁄Vƒ …“ V……‰ J…®… ¶…… Æ˙i… +…Œ∫i… +x…÷{……i… ]ı“™…Æ˙ -1 8.59% 7.41%
|…§…∆v…x… u˘…Æ˙… ∫…∆EÚ ±…i… i…l…… ±…‰J…… {…Æ˙“I…EÚ…Â {…Æ˙ ¶…Æ˙…∫‰ …… Æ˙J…… Ω˲*
∫…“) M……Ëh… @Òh… +…ËÆ˙ ∫…Œ®®…∏…  ±…J…i…  ]ı™…Æ˙ 1/ ]ı™…Æ˙ 11{…⁄Vƒ …“ E‰Ú ∞¸{… ®… §…g¯…B M…B* (Ø˚{…™…‰ EÚÆ˙…c‰ ˜ ®…Â)
 ¥…¥…Æ˙h… V……Æ˙“ ¥…π…« EÚ…±… §™……V… n˘Æ˙ Æ˙EÚ®… Æ˙EÚ®…
% 31.03.2009 31.03.2008
M……Ëh… @Òh…
GÚ®… V 2001-2002 85 ®…Ω˛“x…‰ 9.188 120.00 120.00
GÚ®… VI 2004-2005 111 ®…Ω˛“x…‰ 7.05 195.00 195.00
GÚ®… VII 2005-2006 115 ®…Ω˛“x…‰ 7.45 235.00 235.00
GÚ®… VIII 2005-2006 111 ®…Ω˛“x…‰ 7.80 140.00 140.00
GÚ®… IX 2007-2008 120 ®…Ω˛“x…‰ 9.20 125.00 125.00
GÚ®… X 2007-2008 120 ®…Ω˛“x…‰ 9.18 125.00 125.00
+{{…Æ˙  ]ı™…Æ˙ II §……ƒb˜ 2006-2007 180 ®…Ω˛“x…‰ 9.65 200.00 200.00
+{{…Æ˙  ]ı™…Æ˙ II §……ƒb˜ 2007-2008 180 ®…Ω˛“x…‰ 10.25 300.00 300.00
x…¥……‰x®…‰π…
∫l……<« @Òh…
 ±…J…i…
( ]ı™…Æ˙ 1 {…⁄Vƒ …“)
GÚ®… 1 2006-2007 ∫l……™…“ 9.34 200.00 200.00
GÚ®… 1I 2007-2008 ∫l……™…“ 9.95 100.00 100.00
E÷Ú±… 1740.00 1740.00
93

2.  x…¥…‰∂… (Ø˚{…™…‰ EÚÆ˙…c‰ ˜ ®…Â)


®…n˘ 31.03.2009 31.03.2008
1  x…¥…‰∂… EÚ… ®…⁄±™…
i.  x…¥…‰∂… EÚ… ∫…EÚ±… ®…⁄±™… 13303.80 11419.36
(EÚ) ¶……Æ˙i… ®…Â 13303.80 11419.36
(J…) ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
ii. P…]ı…x…… : ®…⁄±™…ø…∫… Ω‰˛i…÷ |……¥…v……x… 72.10 66.41
(EÚ) ¶……Æ˙i… ®…Â 72.10 66.41
(J…) ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
iii.  x…¥…‰∂… EÚ…  x…¥…±… ®…⁄±™… 13231.70 11352.95
(EÚ) ¶……Æ˙i… ®…Â 13231.70 11352.95
(J…) ¶……Æ˙i… E‰Ú §……Ω˛Æ˙ E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
2.  x…¥…‰∂… {…Æ˙ ®…⁄±™…ø…∫… E‰Ú  ±…B Æ˙J…‰ M…B |……¥…v……x…… EÚ… =i……Æ˙-S…g¯…¥…
i) +l…∂…‰π… (1 +|…˱… E‰Ú +x…÷∫……Æ˙) 66.41 108.09
ii) ¥…π…« E‰Ú n˘…ÆË ˙…x…  EÚB M…B |……¥…v……x… V……‰ c˜˜B 35.55 44.02
iii) ¥…π…« E‰Ú n˘…ÆË ˙…x… + i… Æ˙HÚ |……¥…v……x…… EÚ… EÚ®… {…÷x…Æ˙…E∆ Úx… E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
iv) P…]ı…x……: ¥…π…« E‰Ú n˘…ÆË ˙…x… §…]¬ı]ı‰ J……i…‰ ®…Â  ±…J…‰ 29.86 85.70
v) < i…∂…‰π… (31 ®……S…« E‰Ú +x…÷∫……Æ˙) 72.10 66.41

2.1 ¥…π…« 2008-09 E‰Ú n˘…ÆË ˙…x… Ɖ˙{……‰ ±…‰x…n‰˘x…: 2.2 M…ËÆ˙ B∫…B±…+…Æ˙  x…¥…‰∂… ∫…∆ ¥…¶……M…
(Ø˚. EÚÆ˙…c‰ ˜ ®…Â) i) 31.03.09 E‰Ú +x…÷∫……Æ˙ M…ËÆ˙ B∫…B±…+…Æ˙  x…¥…‰∂…… EÚ… V……Æ˙“EÚi……«
¥…π…« E‰Ú ¥…π…« E‰Ú ¥…π…« E‰Ú 31 ∫…∆P…]ıx…
n˘…ËÆ˙…x… n˘…ËÆ˙…x… n˘…ËÆ˙…x… ®……S…« (Ø˚. EÚÆ˙…c‰ ˜ ®…Â)
 ¥…¥…Æ˙h…
x™…⁄x…i…®… + v…EÚi…®… nˢ x…EÚ 2009 |… i…¶…⁄ i…™…… |… i…¶…⁄ i…™……Â
§…EÚ…™…… §…EÚ…™…… +…Ë∫…i… EÚ…‰ §…EÚ…™…… GÚ  x…V…“ “  x…¥…‰∂… “n˘Æ |… i…¶…⁄ i…™……Â
§…EÚ…™…… ®……∆ V……Æ˙“EÚi……« Æ˙… ∂…  x…™……‰V…x… O…‰b˜ ∫…‰  x…v……« Æ˙i… “+∫…⁄S…“M…i…
EÚ“ ®……j…… EÚ®…” EÚ“ x…  EÚ™…‰ EÚ“
Ɖ˙{……‰ E‰Ú EÚ M…™…‰” ∫…“®……”
0.00 750.00 30.41 E÷ÚUÙ x…Ω˛” ∫…“®……
+xi…M…«i… EÚ“ ∫…“®……
(300.00) (300.00) (0.82) (E÷ÚUÙ x…Ω˛”) 1 2 3 4 5 6 7
§…‰S…“ M…<« 1. ∫……¥…«V… x…EÚ I…‰j… 60.01 34.45 1.50 40.29 35.77
|… i…¶…⁄ i…™……ƒ E‰Ú ={…GÚ®… (47.54) (42.23) (1.50) (17.82) (12.50)
2.  ¥…k…“™… ∫…∆∫l……Bƒ 1041.03 935.71 25.31 24.20
|… i…±……‰®… Ɖ{˙ ……‰ E‰Ú 0.00 1000.00 43.19 150 (371.94)(361.65) (16.66) (16.38)
+xi…M…«i… (3.00) (500.00) (9.96) (500.00) 3. §…ÈEÚ 254.78 40.18 3.82 0.00
J…Æ˙“n˘“ M…<« (68.95) (64.55) (11.40) (0.00)
4.  x…V…“ EÚ…ÏÆ˙{……‰Æ˙‰]ı 175.41 18.37 1.37 175.30 19.27
|… i…¶…⁄ i…™……ƒ (214.93) (45.57) (1.37)(214.93) (46.59)
x……‰]ı: EÚ…‰π`ˆEÚ ®…  n˘B M…B +…∆EÚc‰˜  {…UÙ±…‰ ¥…π…« ∫…‰ ∫…∆§…∆ v…i… ΩÈ˛* 5. +x…÷π…∆M…“ B¥…∆
∫…∆™…÷HÚ =t®…
6. +x™… 0.24 0.24 0.24 0.24
(13.28) (0.24) (13.28) (0.24)
7. ®…⁄±™…ø…∫… E‰Ú  ±…B 69.40
Æ˙J…‰ |……¥…v……x… (35.16)
E÷Ú±… 1462.07 1028.95 2.87 244.96 79.48
(®…⁄±™…ø…∫… EÚ…  x…¥…±…) (681.48)(514.24) (2.87)(274.08) (75.70)
x……‰]ı: EÚ…‰π`ˆEÚ ®…  n˘B M…B +…∆EÚc‰˜  ¥…M…i… ¥…π…« ∫…‰ ∫…®§…Œxv…i… ΩÈ˛
94

ii) 31.03.09 E‰Ú +x…÷∫……Æ˙ M…ËÆ˙  x…π{…… n˘i… M…ËÆ˙-B∫… B±… +…Æ˙  x…¥…‰∂…: V……{……x…“ ™…‰x…  ±…§……‰Æ˙ ®… n‰˘ Æ˙Ω˛‰ ΩÈ˛*
(Ø˚. EÚÆ˙…c‰ ˜ ®…Â) <«) §…ÈEÚ x…‰  ¥… x…®…™… ¥……n˘… E‰Ú  ±…B EÚ…‰<« ∫…∆{……Ã∂¥…EÚ |…∫i…÷i… x…Ω˛”  EÚ™…… Ω˲*
 ¥…¥…Æ˙h… Æ˙… ∂… B°Ú) ¥…π…« E‰Ú n˘…ÆË ˙…x…  EÚB M…B §……™…n˘… n˘Æ˙ EÚÆ˙…Æ˙ ∫…‰ EÚ…‰<« @Òh… V……‰ J…®… EÚ…
+l…∂…‰π… 2.65 E‰Úxp˘“EÚÆ˙h… x…Ω˛” =i{…z… Ω÷˛+… Ω˲*
(2.87) V…“) ¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ…‰<« ¥……™…n˘… n˘Æ˙ EÚÆ˙…Æ˙ ±…‰x…n‰˘x… x…Ω˛”  EÚ™…… M…™……*
1 +|…˱… 2008 ∫…‰ ¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… E÷ÚUÙ x…Ω˛” 3.2  ¥… x…®…™… ¥™……{……Æ˙ §™……V… n˘Æ˙ ¥™…÷i{…xx… (P…Ɖ˙±…⁄ B¥…∆ °Ú…ÏÆ˙‰C∫…)
(E÷ÚUÙ x…Ω˛”) GÚ®……∆EÚ  ¥…¥…Æ˙h… Æ˙… ∂…
=HÚ +¥… v… E‰Ú n˘…ÆË ˙…x… EÚ]ı…iË …“ (0.15) i) ¥…π…« E‰Ú n˘…ÆË ˙…x…  EÚB M…B  ¥… x…®…™… ¥™……{……Æ˙ §™……V…
(0.22) n˘Æ˙ ¥™…÷i{…z… EÚ“ +…x…÷®…… x…EÚ ®…⁄±…v…x… Æ˙… ∂… E÷ÚUÙ x…Ω˛”
< i…∂…‰π… 2.50 ii) 31 ®……S…« 2009 E‰Ú +x…÷∫……Æ˙  ¥… x…®…™… ¥™……{……Æ˙
(2.65) §™……V… n˘Æ˙ ¥™…÷i{…z… EÚ“ +…x…÷®…… x…EÚÚ ®…⁄±…v…x… Æ˙… ∂… E÷ÚUÙ x…Ω˛”
v…… Æ˙i… E÷Ú±… |……¥…v……x… 2.50 iii)  ¥… x…®…™… ¥™……{……Æ˙ §™……V… n˘Æ˙ ¥™…÷i{…z… EÚ“ +…x…÷®…… x…EÚ
(2.65) ®…⁄±…v…x… Æ˙… ∂… B¥…∆ “+i™… v…EÚ |…¶……¥…“ x…Ω˛”” E÷ÚUÙ x…Ω˛”
x……‰]ı: EÚ…‰π`ˆEÚ ®…  n˘B M…B +…∆EÚc‰˜  {…UÙˆ±…‰ ¥…π…« ∫…‰ ∫…®§…Œxv…i… ΩÈ˛* iv)  ¥… x…®…™… ¥™……{……Æ˙ §™……V… n˘Æ˙ ¥™…÷i{…z… E‰Ú
3. ¥™…÷i{…z…: §……W……Æ˙ ®…⁄±™… EÚ…‰ ®……E«Ú  EÚ™…… B¥…∆ E÷ÚUÙ x…Ω˛”
3.1 §™……V… n˘Æ˙  ¥… x…®…™…/¥……™…n˘… n˘Æ˙ EÚÆ˙…Æ˙/ ¥…EÚ±{…
3.3  ¥…C±{…
(Ø˚. EÚÆ˙…c‰ ˜ ®…Â)
EÚ) O……Ω˛EÚ…Â EÚ…‰  n˘™…… M…™……  ¥…EÚ±{… §……W……Æ˙ ®… n÷˘i…Æ˙°Ú… {…⁄Æ˙…  EÚ™…… M…™……*
 ¥…¥…Æ˙h… Ø˚{…™…… +…v…… Æ˙i… °Ú…ÏÆ˙‰C∫… +…v…… Æ˙i… J…)  n˘x……∆EÚ 31.03.2009 EÚ…‰ °‰Úb˜…<« n˘Æ˙ B¥…∆ +∆ EÚi… n˘Æ˙ {…Æ˙ |……{i… §…EÚ…™……
31.03.2009 31.3.2008  ¥…EÚ±{… E‰Ú +…x…÷®…… x…EÚ ®…⁄±…v…x… Æ˙… ∂… EÚ“ +…¥…i…‘ EÚ“®…i…  x…®x……∆ EÚi… Ω˲*
i. ∫¥…Ë{… EÚÆ˙…Æ˙ EÚ… +…x…÷®…… x…EÚ  ¥…¥…Æ˙h… +…¥…i…‘ ®…⁄±™… +∆ EÚi… ®…⁄±™…
®…⁄±…v…x…
§™……V… n˘Æ˙ ∫¥…Ë{… -- 100.00  ¥…EÚ±{… 31.03.09 31.03.08 31.03.09 31.03.08
E⁄Ú{…x… +…‰x…±…“ ∫¥…Ë{… 140.00 140.00 ∫…∆ ¥…n˘… E÷ÚUÙ x…Ω˛” 62.19 E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
ii. Ω˛… x…™…ƒ… V……‰ ={…M…i… EÚ“
V……B∆M…“ ™… n˘ EÚ…∆=]ıÆ˙ 3.4 ¥™…÷i{… k…™……Â ®…Â V……‰ J…®… BC∫…{……‰W…Æ˙ {…Æ˙ |…EÚ]ı“EÚÆ˙h…
{……]ı‘ EÚÆ˙…Æ˙ ®…Â +{…x…… EÚ) M…÷h……i®…EÚ |…EÚ]ı“EÚÆ˙h…
n˘… ™…i¥…  x…¶……x…‰ ®… i) §…ÈEÚ ¥™…÷i{…z… ¥™……{……Æ˙ x…Ω˛” EÚÆ˙ Æ˙Ω˛… Ω˲* =∫…EÚ… ={…™……‰M… E‰Ú¥…±… |… i…Æ˙I……
+∫…°Ú±… Æ˙Ω˛i…“ Ω˲* 21.00 4.32
iii.  ¥… x…®…™… ®… |…¥…‰∂… =q‰˘∂™……l…«  EÚ™…… V…… Æ˙Ω˛… Ω˲* |… i…Æ˙I…… EÚ… +…v……Æ˙ B¥…∆ |… i…Æ˙I……  ±…J…i… EÚ“
Ω˛…x‰ …‰ ¥……±…‰ §…ÈEÚ u˘…Æ˙… {…Ω˛S……x… ={…™……‰M…EÚi……«  ¥…¶……M… u˘…Æ˙…  EÚ™…… V……i…… Ω˲* |… i…Æ˙I…… {…r˘ i…,  x…n‰˘∂…EÚ
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95

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2. §……W……Æ˙ Œ∫l… i…™…… EÚ…‰  S… øi… §…“) ¥…π…« E‰Ú n˘…ÆË ˙…x… {… Æ˙¥…v…«x… 404.70 326.33
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b˜“) < i…∂…‰π… 544.40 570.83
J…) n‰˘™…i…… (-) E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛” iii)  x…¥…±… Bx… {…“ B ∫…EÚ±… ®… =i……Æ˙-S…g¯…¥…
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(100* {…“ ¥…“ 01) E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛” b˜“) < i…∂…‰π…* 188.38 267.71
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100* {…“ ¥…“ 01 EÚ… ∫…“) + i… Æ˙HÚ |……¥…v……x… EÚ…‰ §…]¬ı]ı‰ J……i…‰ 85.5 95.48
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96

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@Òh… x…“ i… E‰Ú +x…÷∫……Æ˙, BEÚ±… =v……Æ˙EÚi……« EÚ…‰ BC∫…{……‰π…Æ˙ §…ÈEÚ E‰Ú {…⁄Vƒ …“ §…ÈEÚ x…‰ 1+|…˱… 2007 ∫…‰ B B∫… 15 (2005) "EÚ®…«S……Æ˙“ ±……¶…' +{…x……™…… Ω˲*
 x… v…™…… E‰Ú 15% ∫…‰ + v…EÚ x… Ω˛…x‰ …‰ S…… Ω˛B +{…¥……n˘…i®…EÚ {… Æ˙Œ∫l… i…™…… ®… 2. EÚ®…«S……Æ˙“ E‰Ú  Ω˛i……l…«
§…ÈEÚ E‰Ú §……‰b˜« EÚ“ EÚ…™…«EÚ… Æ˙h…“ ∫… ®… i… E‰Ú +x…÷®……‰n˘x… E‰Ú ∫……l… + v…EÚi…®… 2.1 {… Æ˙¶…… π…i… ±……¶… {…Â∂…x… ™……‰V…x…… +…ËÆ˙ ={…n˘…x…&  x…®x… ∫……Æ˙h…“ B B∫… 15
{…⁄Vƒ …“  x… v…™…… E‰Ú 5% i…EÚ + i… Æ˙HÚ BC∫…{……‰W…Æ˙ {…Æ˙  ¥…S……Æ  EÚ™…… V…… E‰Ú +xi…M…«i… +{…‰ I…i…  EÚB +x…÷∫……Æ˙ {… Æ˙¶…… π…i… ±……¶… {…Â∂…x… ™……‰V…x……, ={…n˘…x…
∫…EÚi…… Ω˲* §…∂…i…Ê  EÚ =v……Æ˙EÚi……« §…ÈEÚ EÚ…‰ ¥……Ãπ…EÚ  Æ˙{……‰]ı« ®… = S…i… |…EÚ]ı“EÚÆ˙h… ™……‰V…x…… +…ËÆ˙ {…÷x…∫…«®…Z……Ëi…… ™……‰V…x…… EÚ“ Œ∫l… i… n˘∂……«i…“ Ω˲* (Ø˚. EÚÆ˙…c‰ ˜ ®…Â)
E‰Ú  ±…B ∫…Ω˛®… i… n˘“ Ω˛…*‰  ¥…¥…Æ˙h… {…Â∂…x… ™……‰V…x…… ={…n˘…x…
˙¥…π…« E‰Ú n˘…ÆË ˙…x…,  x…®x… ±… J…i… J……i…‰ E‰Ú ∫…∆§…xv… ®… §…ÈEÚ E‰Ú §……‰b˜« EÚ“ EÚ…™…« {… Æ˙¶…… π…i… ±……¶… §……v™…i…… E‰Ú ¥…i…«®……x… ®…⁄±™… ®… {… Æ˙¥…i…«x…
EÚ… Æ˙h…“ ∫… ®… i… EÚ“ ®…∆V…⁄Æ˙“ E‰Ú ∫……l… §…ÈEÚ x…‰ +{…x…“ {…⁄Vƒ …“M…i…  x… v…™…… EÚ… 1.04.08 EÚ…‰ |……Æ∆˙ ¶…EÚ
15% i…EÚ BC∫…{……‰W…Æ˙ ∫¥…“EfiÚi…  EÚ™…… Ω˲* {… Æ˙¶…… π…i… ±……¶… §……v™…i…… 745.24 233.34
B) ¥™… HÚM…i… J……i…‰ (=SS…i…®… ∫…“®…… ∫i…Æ˙ {…⁄Vƒ …“  x… v…™…… EÚ… 15% ™……x…“ Ø˚. S……±…⁄ ∫…‰¥…… ±……M…i… 20.13 11.09
511.11 EÚÆ˙…c‰ ˜) (Ø˚. EÚÆ˙…c‰ ˜ ®…Â)
§™……V… ±……M…i… 52.62 16.72
=v……Æ˙EÚi……«+…Â E‰Ú x……®… G‰Ú b˜ı]ı ˜ §…EÚ…™…… Æ˙… ∂…
n‰˘x…n˘…Æ˙“ Ω˛… x…™……ƒ (±……¶…) 58.38 (4.84)
BC∫…{……‰W…Æ˙ (∫…“®……)
 ¥…M…i… ∫…‰¥…… ±……M…i… (M…ËÆ˙  x… Ω˛i… ±……¶…) - -
i) BS… b˜“ B°Ú ∫…“  ±…. 628.50 556.32
ii) ¶……Æ˙i…“  ∂…{…™……b«˜  ±…. 555.00 530.42
 ¥…M…i… ∫…‰¥…… ±……M…i… ( x… Ω˛i… ±……¶…) - -
|…n˘k… ±……¶… (32.52) (10.53)
§…“) O…÷{… =v……Æ˙EÚi……« (∫…“®…… ∫i…Æ˙ Ø˚. 1362.96 EÚÆ˙…c‰ ˜)*
31.03.2009 EÚ…‰ ∫…∆¥…Æ˙h…
§…ÈEÚ x…‰  EÚ∫…“ ¶…“ =v……Æ˙EÚi……« O…÷{… EÚ…‰ BC∫…{……‰W…˜Æ˙ ∫…“®…… x…Ω˛” §…g¯…™…“ Ω˲* {… Æ˙¶…… π…i… ±……¶… §……v™…i…… 843.85 245.78
8.  ¥… ¥…v… ™……‰V…x…… +…Œ∫i…™…… ®… {… Æ˙¥…i…«x…
8.1 ¥…π…« E‰Ú n˘…ÆË ˙…x… +…™…EÚÆ˙ E‰Ú  ±…B  EÚB M…B |……¥…v……x…… EÚ“ Æ˙… ∂… 1.04.08 EÚ…‰ ™……‰V…x…… +…Œ∫i…™…… -
 ¥…¥…Æ˙h… 2008-09 2007-08 EÚ… |……Æ∆˙ ¶…EÚ = S…i… ®…⁄±™… 513.63 215.09
+…™…EÚÆ 328.00 238.00 ™……‰V…x…… +…Œ∫i…™…… {…Æ˙ |…i™…… ∂…i… +…™… 39.87 16.13
v…x… EÚÆ˙ 0.10 0.10  x…™……‰V…EÚ…Â u˘…Æ˙… +∆∂…n˘…x… 15.84 0
+x…÷π…∆M…“ ±……¶… EÚÆ˙ 4.10 3.50
|…n˘k… ±……¶… (32.52) (10.53)
±……¶……∆∂…  ¥…i…Æ˙h… EÚÆ˙ 11.05 8.50
n‰˘ x…n˘…Æ˙“ ±……¶… (Ω˛… x…) 82.83 8.44
8.2 ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ u˘…Æ˙… ±…M……B M…˙B n˘hb˜… EÚ… |…EÚ]ı“EÚÆ˙h… 31.03.2009 EÚ…‰ ™……‰V…x…… +…Œ∫i…™……Â
¥…π…« E‰Ú n˘…ÆË ˙…x… ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ x…‰ §…ÈEÚ {…Æ˙ EÚ…‰<« n˘hb˜ x…Ω˛” ±…M……™…… Ω˲* EÚ… ∫…∆¥…Æ˙h… = S…i… ®…⁄±™… 619.65 229.13

9. ±…‰J…… |…h……±…“ ®……x…EÚ (B B∫…) E‰Ú +x…÷∫……Æ˙ |…EÚ]ı“EÚÆ˙h… §……v™…i…… E‰Ú ¥…i…«®……x… ®…⁄±™… +…ËÆ˙ ™……‰V…x…… +…Œ∫i…™…… E‰Ú = S…i… ®…⁄±™… EÚ…
∫…®……v……x…
9.1 ±…‰J…… |…h……±…“ ®……x…EÚ - B B∫… 5
31.03.2009 EÚ…‰  x… v…¥…r˘ §……v™…i……
(±…‰J…… x…“ i…™…… ®… +¥… v…, {…⁄¥…« +¥… v… ®…n¢ B¥…∆ {… Æ˙¥…i…«x… Ω‰˛i…÷  x…¥…±… ±……¶… EÚ… ¥…i…«®……x… ®…⁄±™… 843.85 245.78
B¥…∆ Ω˛… x…) +…ËÆ˙ B B∫… 9 (Æ˙…V…∫¥… {…Ω˛S……x…) 31.03.2009 EÚ…‰ ™……‰V…x…… +…Œ∫i…™……Â
±…‰J…… x…“ i… +x…÷∫…Æ˙h… E‰Ú +x…÷∫……Æ˙, J…Æ˙“n˘“ M…<« ®……ƒM…  §…±…… {…Æ˙  ¥… x…®…™…/ EÚ… = S…i… ®…⁄±™… 619.65 229.13
§™……V… i…l…… ±……ÏEÚÆ˙  EÚÆ˙…™…… EÚ…‰ x…EÚn˘ +…v……Æ˙ {…Æ˙  Ω˛∫……§…  EÚ™…‰ M…™…‰ ΩÈ˛* =x… EÚ®…“ / +… v…C™… (220.57) (16.65)
∫…§… EÚ…‰ ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ E‰Ú +x…÷∫……Æ˙ ®…Ω˛i¥…{…⁄h…« x…Ω˛” ®……x…… V……i…… Ω˲ ™……‰V…x…… +…Œ∫i…™…… {…Æ˙
+…ËÆ˙ +i…& <x…E‰Ú |…EÚ]ı“EÚÆ˙h… EÚ“ +…¥…∂™…EÚi…… x…Ω˛” Ω˲* <∫…“ E‰Ú +…v……Æ˙ {…Æ˙, +x…÷¶…¥… ∫…®……™……‰V…x… - -
™…Ωƒ˛… {…⁄¥…« +¥… v… +…™…/¥™…™… |…EÚ]ı“EÚÆ˙h… EÚÆ˙x…‰ EÚ“ +…¥…∂™…EÚi…… x…Ω˛” Ω˲* ™……‰V…x…… n‰˘™…i……+… {…Æ˙ +x…÷¶…¥… - -
100

∫…®……™……‰V…x… - 2.2. 31.03.2009 EÚ…‰ ={…n˘…x…  x… v… +…ËÆ˙ {…Â∂…x…  x… v… (={… S…i… §™……V…)
x…Ω˛” {…Ω˛S……x…‰ M…B  ¥…M…i… ∫…‰¥…… ±……M…i… - §…ÈEÚ ∂…‰π… +…ËÆ˙ +x™… +…Œ∫i…™…… E‰Ú ™……‰V…x…… +…Œ∫i…™…… E‰Ú +xi…M…«i…
 x…¥…‰∂…,  x…®x… |…EÚ…Æ˙ Ω˲*
 x…¥…±… n‰˘™…i…… / (+…Œ∫i…) 220.57 16.65
Ø˚. EÚÆ˙…c‰ ˜…Â ®…Â
i…÷±…x…{…j… ®…Â {…Ω˛S……x…“ M…<« Æ˙… ∂… -
+…Œ∫i…™…… EÚ“ ∏…‰h…“
n‰˘™…i……Bƒ 843.85 245.78
={…n˘…x…  x… v… {…Â∂…x…  x… v…
+…Œ∫i…™……ƒ 619.65 229.13
Æ˙EÚ®… ™……‰V…x…… +…Œ∫i…™…… Æ˙EÚ®… ™……‰V…x…… +…Œ∫i…™……Â
31.03.2009 EÚ…‰ i…÷±…x… {…j… ®…Â
EÚ… % EÚ… %
{…Ω˛S……x… ±…“ M…<«  x…¥…±… n‰˘™…i……B∆ +…Œ∫i… 224.20 16.65
221.39 96.62% 600.89 96.97%
±……¶… B¥…∆ Ω˛… x… J……i…‰ ®…Â {…Ω˛S……x… ±…“
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M…<«  x…¥…±… ±……M…i…
+…Œ∫i…™…… EÚ“ ∏…‰h…“
S……±…⁄ ∫…‰¥…… ±……M…i… 20.13 11.09
={…n˘…x…  x… v… {…Â∂…x…  x… v…
§™……V… ±……M…i… 52.62 16.72
Æ˙EÚ®… ™……‰V…x…… +…Œ∫i…™…… Æ˙EÚ®… ™……‰V…x…… +…Œ∫i…™……Â
™……‰V…x…… +…Œ∫i…™…… {…Æ˙ |…i™…… ∂…i… +…™… (39.87) 16.13
EÚ… % EÚ… %
 i…®……Ω˛“ E‰Ú n˘…ÆË ˙…x… {…Ω˛S……x…… M…™……  x…¥…±…
46.00 20.07% 52.00 8.39%
n‰˘x…n˘…Æ˙“ Ω˛… x…™……ƒ (±……¶…) (24.45) (13.28)
2.3 ∫…¶…“ n‰˘x…n˘…Æ˙“ ±……¶… +…ËÆ˙ Ω˛… x…™…… EÚ…‰ ±……¶… +…ËÆ˙ Ω˛… x…  ¥…¥…Æ˙h…“ ®…Â
{…Ω˛S……x…… M…™……  ¥…M…i… ∫…‰¥…… ±……M…i… {…⁄h…«i…™…… {…Ω˛S……x…  ±…™…… M…™…… Ω˲*
(M…ËÆ˙  x… Ω˛i… ±……¶…) -
2.4 ™……‰V…x…… E‰Ú |…EÚ…Æ˙ EÚ… ∫…∆ I…{i…  ¥…¥…Æ˙h…: ∫…‰¥……  x…¥…i…«x…, ∫¥…ËŒSUÙEÚ ∫…‰¥……
{…Ω˛S……x…… M…™……  ¥…M…i… ∫…‰¥…… ±……M…i…  x…¥…fi k… +… n˘ {…Æ˙ ∫…¶…“ {……j… {…Â∂…x…  ¥…EÚŒ±{…™…… EÚ…‰ {…Â∂…x…  n˘™…… V……i……
( x… Ω˛i… ±……¶…) - Ω˲* {…Â∂…x… |……{i… EÚÆ˙x…‰ EÚ…‰ {……j… Ω˛…x‰ …‰ E‰Ú  ±…B EÚ®…«S……Æ˙“ EÚ…‰  x…®x…i…®…
+x…÷∫…⁄S…“ 16 “EÚ®…«S…… Æ˙™…… EÚ…‰ ¶…÷M…i……x… 10 ∫……±… EÚ“ ∫…‰¥…… EÚÆ˙x…˛“ Ω˛…M‰ …“*
+…ËÆ˙ =x… E‰Ú  ±…B |……¥…v……x…” E‰Ú +xi…M…«i… ={…n˘…x… ∫…¶…“ {……j… EÚ®…«S…… Æ˙™…… EÚ…‰  x…¥…i…«x…, ∫¥…ËŒSUÙEÚ ∫…‰¥…… x…¥…fi k…
S……±…⁄ ¥…π…« E‰Ú {…“ & B±… ®… ∫…®……¥…‰ ∂…i… +… n˘ {…Æ˙ n‰˘™… Ω˲* ={…n˘…x… E‰Ú  ±…B {……j… Ω˛…x‰ …‰ E‰Ú  ±…B EÚ®…«S……Æ˙“ EÚ…‰
{… Æ˙¶…… π…i… ±……¶… ™……‰V…x…… EÚ“ E÷Ú±… ±……M…i… 8.43 (1.60)  x…®x…i…®… 5 ¥…π…« EÚ“ ∫…‰¥…… EÚÆ˙x…“ Ω˛…M‰ …“*
™……‰V…x…… +…Œ∫i…™…… {…Æ˙ |…i™…… ∂…i… +…™… +…ËÆ˙ ¥……∫i… ¥…EÚ +…™… EÚ… ∫…®……v……x… 2.5 ±…‰J…… +¥… v… ∫…‰ + v…EÚ ™……‰V…x…… +…Œ∫i…™…… {…Æ˙ |…i™…… ∂…i… +…™… BEÚ
EÚŒ±{…i… +…™… n˘Æ˙ Ω˲* EÚŒ±{…i… +…™… n˘Æ˙ |… i…¥…π…« 8% Ω˲*
™……‰V…x…… +…Œ∫i…™…… {…Æ˙ |…i™…… ∂…i… +…™… 39.87 16.13
™……‰V…x…… +…Œ∫i…™…… {…Æ˙ n‰˘x…n˘…Æ˙“ ±……¶…/(Ω˛… x…) 82.83 8.44 2.6 ®…⁄±…v…x… n‰˘x…n˘…Æ˙“ EÚ±{…x……B∆

™……‰V…x…… +…Œ∫i…™…… {…Æ˙ ¥……∫i… ¥…EÚ +…™… 12.70 24.57  ¥…¥…Æ˙h… {… Æ˙¶…… π…i… ±……¶… ={…n˘…x…
{…Â∂…x… ™……‰V…x……
i…÷±…x…{…j… ®… {…Ω˛S……x…‰ M…B |……Æ∆˙ ¶…EÚ +…ËÆ˙
1.4.2008 EÚ…‰ §…]¬ı]ı… n˘Æ˙ 8% 8%
+∆ i…®…  x…¥…±… n‰˘™…i…… EÚ… ∫…®……v……x…
1.4.2008 EÚ…‰ ™……‰V…x…… +…Œ∫i… {…˙Æ˙Ú
1.04.2008 EÚ…‰ |……Æ∆˙ ¶…EÚ  x…¥…±… n‰˘™…i…… 231.61 18.25
|…i™…… ∂…i… +…™… n˘Æ˙ 8% 8%
±……¶… +…ËÆ˙ Ω˛… x… J……i…‰ ®…Â {…Ω˛S……x…‰ M…™…‰ ¥™…™… 8.43 (1.60)
1.4.2008 EÚ…‰ ¥…‰i…x… ¥…fi r˘ 6% 6%
 x…™……‰V…EÚ EÚ… +∆∂…n˘…x… (15.84) 0
31.3.2009 EÚ…‰ §…]¬ı]ı… n˘Æ˙ 7% 7%
31.03.2009 EÚ…‰ i…÷±…x…{…j… ®… {…Ω˛S……x… 31.3.2009 EÚ…‰ ™……‰V…x…… +…Œ∫i…
±…“ M…<« x…<« n‰˘™…i…… / (+…Œ∫i…) 224.20 16.65 {…Æ˙ |…i™…… ∂…i… +…™… n˘Æ˙ 7.50% 7.50%
+…M……®…“  ¥…k…“™… ¥…π…« (2009-10) 31.3.2009 EÚ…‰ ¥…‰i…x… ¥…fi r˘ 6% 6%
®… ∫…∆¶…… ¥…i… +∆∂…n˘…x… 80.00 20.00
101

2.7 n‰˘x…n˘…Æ˙“ ®…⁄±™……∆EÚx… ®… ®……x… ±…“ M…™…“ ¶……¥…“ ¥…‰i…x… ¥…fi r˘ EÚ… +x…÷®……x…; +…Œ∫i…™……ƒ
∫°Ú“ i…, ¥…Æ˙“™…i……, {…n˘…z‰ … i… +…ËÆ˙ Æ˙…W‰ …M……Æ˙ §……W……Æ˙ ®… {…⁄Ãi… +…ËÆ˙ ®……∆M… (i) l……‰EÚ /  x…M… ®…i… §…ÈÀEÚM… - 5 EÚÆ˙…c‰ ˜ Ø˚. E‰Ú >{…Æ˙ E‰Ú ∫…¶…“ @Òh… +…ËÆ˙ + O…®…
V…Ë∫…‰ ∫…∆§…r˘ P…]ıEÚ…Â EÚ… v™……x… n‰˘i…… Ω˲* J……i…‰ EÚ…‰ l……‰EÚ /  x…M… ®…i… §…ÈÀEÚM… E‰Ú +xi…M…«i… ¥…M…‘EfiÚi…  EÚ™…… Ω˲*
3. {… Æ˙¶…… π…i… +∆∂…n˘…x… ™……‰V…x…… (ii) J…÷n˘Æ˙…: ={…™…÷H« Ú E‰Ú +xi…M…«i… x…Ω˛” ∫…Œ®®… ±…i… ∫…¶…“ @Òh… +…ËÆ˙ + O…®… E‰Ú
3.1 ±……¶… +…ËÆ˙ Ω˛… x… J……i…‰ ®… ""EÚ®…«S…… Æ˙™…… EÚ…‰ +…ËÆ˙ =x…E‰Ú  ±…B |……¥…v……x… J…÷n˘Æ˙… §…ÈÀEÚM… E‰Ú ∞¸{… ®… ®……x…… V……BM……
""∂…“π…« E‰Ú +xi…M…«i… ∫…Œ®®… ±…i… §…ÈEÚ EÚ“ ¶… ¥…π™…  x… v… ™……‰V…x…… EÚ“ +…‰Æ˙ (iii) Æ˙…V…EÚ…‰π…: ∫…∆{…⁄h…«  x…¥…‰∂… {……‰]ı«°Ú…‰ ±…™……‰ EÚ…‰ Æ˙…V…EÚ…‰π… ∫…‰M®…‰x]ı E‰Ú +xi…M…«i…
¥™…™… E‰Ú ∞¸{… ®… Ø˚.8.54 EÚÆ˙…c‰ ˜ {…Ω˛S……x…… M…™…… Ω˲* ¥…M…‘EfiÚi…  EÚ™…… Ω˲*
4. +x™… n˘“P……«¥… v… EÚ®…«S……Æ˙“ ±……¶… (iv) +x™… §…ÈÀEÚM… {… Æ˙S……±…x…: §…ÈEÚ EÚ…‰ +x™… §…ÈÀEÚM… {… Æ˙S……±…x… ∫…‰M®…‰x]ı x…Ω˛” Ω˲*
4.1 ±……¶… B¥…∆ Ω˛… x… J……i…‰ ®…Â "EÚ®…«S…… Æ˙™……Â EÚ…‰ +…ËÆ˙ =x…E‰Ú  ±…B |……¥…v……x…'' {……]«ı ∫…“ - ¶……ËM……‰ ±…EÚ ∫…‰M®…‰x]ı
∂…“π…« E‰Ú +xi…M…«i… Ø˚. 28.62 EÚÆ˙…c‰ ˜ EÚ…‰ +x™… n˘“P……«¥… v… EÚ®…«S……Æ˙“ §…ÈEÚ E‰Ú¥…±… n‰˘∂…“ ∫…‰M®…‰x]ı ®… {… Æ˙S……±…x… EÚÆ˙i…… Ω˲ +…ËÆ˙ <∫… ±…B ¶……ËM……‰ ±…EÚ
±……¶… EÚ“ +…‰Æ˙ ¥™…™… E‰Ú ∞¸{… ®… {…Ω˛S……x…  ±…™…… M…™…… Ω˲* ∫…‰M®…‰x]ı E‰Ú +xi…M…«i… EÚ…‰<« {…fil…EÚ |…EÚ]ıx… x…Ω˛”  EÚ™…… M…™…… Ω˲*
9.3 ±…‰J……®……x…EÚ - B B∫… 17 (∫…‰M®…‰x]ı±…  Æ˙{……‰Õ]ıM…) 9.4 ±…‰J…… ®……x…EÚ - B B∫… 18 (∫…∆§…∆ v…i… {……]ı‘ |…EÚ]ı“EÚÆ˙h…)
{……]«ı-B - EÚ…Æ˙…§‰ ……Æ˙ ∫…‰M®…‰x]ı ∫…∆§…∆ v…i… {……]ı‘ |…EÚ]ı“EÚÆ˙h…: §…ÈEÚ E‰Ú ®…÷J™… |…§…xv…EÚ“™… Eڅî…EÚ +…ËÆ˙ =x…E‰Ú
{…… Æ˙∏… ®…EÚ  x…®x… |…EÚ…Æ˙ Ω˲*
¶……  Æ˙ §…È ®……M…« x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ §…ÈEÚ x…‰ EÚ…Æ˙…§‰ ……Æ˙ ∫…‰M®…‰x]ı EÚ…‰ {…÷x…&¥…M…‘EfiÚi…
 EÚ™……  V…∫…®… §…ÈEÚ  x…®x… |…EÚ…Æ˙ {… Æ˙S…… ±…i… EÚÆ˙i…… Ω˲ ∏…“. B®…. Æ˙…®…∫¥……®…“, |…§…xv…  x…n‰˘∂…EÚ (+¥… v… 01.04.2008 - 30.09.2008)
¥…‰i…x… +…ËÆ˙ ¶…k…‰: Ø˚. 7,65,295/-, +x…÷±……¶… Ø˚. 1,21,642/-
B.  x…M… ®…i… / l……‰EÚ §…ÈÀEÚM…
∏…“. B.E‰Ú V…M…z……l…x…, |…§…xv…  x…n‰˘∂…EÚ (+¥… v… 01.10.2008 - 31.03.2009)
§…“. J…÷n˘Æ˙… §…ÈÀEÚM…
¥…‰i…x… +…ËÆ˙ ¶…k…‰: Ø˚. 3,43,080/-, +x…÷±……¶… Ø˚. 90,399/-
∫…“. Æ˙…V…EÚ…‰π… +…ËÆ˙
b˜“. +x™… §…ÈÀEÚM… {… Æ˙S……±…x… x……‰]ı: ¶……Æ˙i…“™… ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…∆∫l……x… u˘…Æ˙… V……Æ˙“ B.B∫… 18 ®…  x…v……« Æ˙i…
 EÚB +x…÷∫……Æ˙ ∫…¶…“ +x™… ∫…∆§…r˘ {……]ı‘ Æ˙…V™…  x…™…∆ j…i… =t®… Ω˲ <x…E‰Ú ∫……l…
¥…M…‘EÚÆ˙h…  x…®x… ±… J…i… ®……x…n˘hb˜ ®…  EÚ™…… M…™…… Ω˲*
±…‰x…n‰˘x… |…EÚ]ı“EfiÚi… x…Ω˛” Ω˲*

¶……M… §…“ : ¥™…¥…∫……™… ∫…‰M®…Â]ı (Ø˚. EÚÆ˙…c‰ ˜ ®…‰)∆


¥™…¥…∫……™… Æ˙…V…EÚ…‰π… EÚ…Æ˙{……‰Æ‰˙]ı / °÷Ú]ıEÚÆ˙ +x™… §…ÈÀEÚM… E÷Ú±…
∫…‰M®…Â]ı l……‰EÚ §…ÈÀEÚM… §…ÈÀEÚM… {… Æ˙S……±…x…
 ¥…¥…Æ˙h… 31.03.09 31.03.08 31.03.09 31.03.08 31.03.09 31.03.08 31.03.09 31.03.08 31.03.09 31.03.08
Æ˙…V…∫¥… 1023.08 831.24 1618.64 639.47 2054.53 2402.15 0.00 0.00 4696.25 3872.86
{… Æ˙h……®… 161.94 91.54 282.28 79.25 358.30 356.95 0.00 0.00 802.52 527.74
M…ËÆ˙ +…§…∆ ]ıi… ¥™…™… 0.00 0.00
{… Æ˙S……±…x… ±……¶… 802.52 527.74
+…™… EÚÆ˙ 194.68 141.63
+∫……v……Æ˙h…
±……¶… / Ω˛… x… 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
 x…¥…±… ±……¶… 607.84 386.11
+x™… ∫…⁄S…x……
∫…‰M®…Â]ı +…Œ∫i…™……ƒ 15762.83 14830.56 14824.13 5997.64 18554.51 23077.03 0.00 0.00 49141.47 43905.24
M…ËÆ˙ +…§…∆ ]ıi… +…Œ∫i…™……ƒ 319.04 199.32
E÷Ú±… +…Œ∫i…™……ƒ 49460.51 44104.56
∫…‰M®…Â]ı +…Œ∫i…™……ƒ 2685.86 2953.24 19457.07 8390.02 27316.02 32761.29 0.00 0.00 49458.95 44104.56
M…ËÆ˙ +…§…∆ ]ıi… n‰˘™…i……Bƒ 1.56 0.00
E÷Ú±… n‰˘™…i……Bƒ 49460.51 44104.56
102

9.5 ±…‰J…… ®……x…EÚ - B B∫… 20 +V…«x… |… i… ∂…‰™…Æ˙ |… i… ∂…‰™…Æ˙ EÚ… +V…«x… 9.8 ±…‰J…… ®……x…E ∫…∆. 29  ¥…¥…Æ˙h… : |……¥…v……x……‰, n‰˘™…i…˘…+… B¥…∆ +…EÚŒ∫®…EÚ
 x…®x…∆… EÚi… ∞¸{… ®… {… Æ˙EÚ ±…i…  EÚ™…… M……™…… Ω˲* n‰˘™…i……+… EÚ“  ¥…¥…Æ˙h…“
(Ø˚. EÚÆ˙…c‰ ˜ ®…Â) B) |……¥…v……x… ®… =i……Æ˙ S…g¯…¥… (+x™… n‰˘™…i……+… +…ËÆ˙ |……¥…v……x…… E‰Ú +xi…M…«i…
 ¥…¥…Æ˙h… 31.3.2009 31.3.2008 +x…÷∫…⁄S…“ 5 ®… ∫…Œ®®… ±…i…)
 ¥…¥…Æ˙h… ∫…‰¥…… x…¥…fik… +…EÚŒ∫®…EÚi…… EÚ®…«S……Æ˙“
 x…¥…±… ±……¶… (EÚÆ˙…b‰ ˜…Â ®…Â) 607.84 386.11 EÚ®…«S…… Æ˙™……Â E‰Ú E‰Ú  ±…B ∫…∆ ¥…n˘…
<ŒC¥…]ı“ ∂…‰™…Æ˙… EÚ“  S… EÚi∫…… ±……¶… |……¥…v……x…
¶…… Æ˙i… +…Ë∫…i… ∫…∆J™…… 5,00,000,00 5,00,000,00 1 +|…˱… 2008 EÚ…‰ ∂…‰π… E÷ÚUÙ x…Ω˛” 1.61 16.00
Ø˚{…™…‰ E‰Ú +…v……Æ˙ ®… +V…«x… ¥…π…« E‰Ú n˘…ÆË ˙…x… V……‰c˜ 2.00 E÷ÚUÙ x…Ω˛” 42.00
|… i… ∂…‰™…Æ˙ B¥…∆ i…x…÷EÚfi i… 121.57 77.22 ¥…π…« E‰Ú n˘…ÆË ˙…x…
x……‰]ı: ¥…π…« E‰Ú n˘…ÆË ˙…x… ∂…‰™…Æ˙… EÚ… ={…  ¥…¶……V…x… Ø˚. 100/- ∫…‰ Ø˚. 10/- ®… ={…™…÷HÚ/|…i™……¥…Ãi…i… 2.00 E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛”
 EÚ™…… M…™……* +i…B¥… |… i… ∂…‰™…Æ˙ EÚ… +V…«x… M…i… ¥…π…« Ø˚. 10/- E‰Ú |… i… ∂…‰™…Æ˙ 31 ®……S…« 2009 EÚ…‰ ∂…‰π… E÷ÚUÙ x…Ω˛” 1.61 58.00
{…Æ˙ {…÷x…&{… Æ˙EÚ… ±…i…  EÚ™…… M…™…… Ω˲* §…“. +…EÚŒ∫®…EÚ n‰˘™…i……B∆ (+x…÷∫…⁄S…“ 12 n‰˘J…Â)
GÚ®… ∫…∆. i, vi i…l…… vii ®… ∫…⁄ S…i… B‰∫…“ n‰˘™…i……Bƒ +n˘…±…i…/+ ¶… x…h…«™…/
9.6 ±…‰J…… ®……x…EÚ B B∫… 22 EÚÆ˙ B¥…∆ +…™… EÚ… ±…‰J…… +n˘…±…i… E‰Ú §……Ω˛Æ˙ ∫…®…Z……Ëi……, +{…“±…… EÚ…  x…{…]ı…x…, ®……ƒM…“ V……x…‰¥……±…“ Æ˙… ∂…,
31 ®……S…« 2009 i…EÚ ∫…®§…Œxv…i… ∂…‰π…… E‰Ú ®…÷J™… P…]ıEÚ +…∫l… M…i… EÚÆ˙ ∫…∆ ¥…n˘…i®…EÚ n˘… ™…i¥…… EÚ“ ∂…i…Á  ¥…EÚ…∫… i…l…… ∫…∆§…∆ v…i… {……]ı‘ı EÚ“ ®……ƒM… ®…Â
+…Œ∫i…™……ƒ (b˜“]ı“B) B¥…∆ +…∫l… M…i… EÚÆ˙ n‰˘™…i……Bƒ (b˜“]ı“B±…) E‰Ú +…∆EÚc‰˜ ¥…fi r˘ +… n˘ {…Æ˙  x…¶…«Æ˙ Ω˲*
 x…®x……x…÷∫……Æ˙ ΩÈ˛* 10. ∫l……™…“ +…Œ∫i…™……ƒ
(Ø˚. EÚÆ˙…c‰ ˜ ®…Â)
∫…®…™…  ¶…z…i…… E‰Ú 1.04.08 ¥…π…« E‰Ú n˘…ËÆ˙…x… 31.03.09 B) }±…Ë]ı {…Æ˙ ®…⁄±™…æ˛…∫… + v…O…Ω˛h… EÚ“ ¥……∫i… ¥…EÚ ±……M…i… {…Æ˙ ={…±…§v…  EÚ™……
EÚÆ˙ {… Æ˙h……®… EÚ…‰ +l…∂…‰π… ∫…®……™……‰V…x… EÚ…‰ < i…∂…‰π… M…™…… Ω˲ V…Ë∫…‰  EÚ ¶…⁄ ®… EÚ… ®…⁄±™… +±…M… x…Ω˛”  n˘™…… Ω˲*
±……¶… B¥…∆ + ∫……®……x™… §…“) ∫l……™…“ +…Œ∫i…™…… EÚ… ∫…EÚ±… ®…⁄±™… ({… Æ˙∫…Æ˙ EÚ…‰ UÙ…c‰ ˜EÚÆ˙) ¶……Æ˙i…“™… ∫]‰ı]ı
Ω˛… x… ®… +…Æ˙ I… i… ®… §…ÈEÚ +…ËÆ˙ +x™… ∫…Ω˛™……‰M…“ §…ÈEÚ…Â u˘…Æ˙… ∫…∆™…÷HÚ ∞¸{… ∫…‰ ∫¥…… v…˘EfiÚi… Æ˙… ∂…
+…∫l… M…i… EÚÆ˙ +…Œ∫i…™……ƒ Ø˚. 515.58 EÚÆ˙…c‰ ˜ Ω˲* ( {…UÙ±…‰ ¥…π…« Ø˚. 427.30 EÚÆ˙…c‰ ˜)* §…ÈEÚ EÚ…
+∂……‰v™… B¥…∆ ∫…∆ n˘Mv… @Òh… ∂…‰™…Æ˙ Ø˚. 51.56 EÚÆ˙…c‰ ˜ Ω˲* ( {…UÙ±…‰ ¥…π…« Ø˚. 42.73 EÚÆ˙…c‰ ˜)
E‰Ú  ±…B |……¥…v……x… B¥…∆ ®……x…EÚ 50.40 E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛” 50.40 11. ∫…®……v……x…
EÚ®…«S……Æ˙“ E‰  Ω˛i……l…« |……¥…v……x… 60.54 E÷ÚUÙ x…Ω˛” (12.72) 47.82 +xi…∂……«J…… ±…‰x…n‰˘x…, ¶……Æ˙i…“™… ∫]‰ı]ı §…ÈEÚ B¥…∆ B∂……‰ ∫…™…‰]ı¬∫… §…ÈEÚ…Â E‰Ú ∫……l…
+x™… ®…n¢ 17.35 20.43 E÷ÚUÙ x…Ω˛” 37.78 J……i…‰, ∫…Æ˙EÚ…Æ˙ E‰Ú J……i…‰, ±…‰x…n‰˘x… (E‰Úxp˘“™… B¥…∆ Æ˙…V™…), b≈˜…}]ı n‰˘™… J……i…‰,
E÷Ú±… +…∫l… M…i… EÚÆ˙ +…Œ∫i…™……ƒ 128.29 20.43 (12.72) 136.00 x……‰∫]≈…‰ J……i……,  ∫…∫]ı®… ∫…∫{…‰x∫… J……i…… ∫…®……∂……‰v…x… +…ËÆ˙ +x™… ∫…®……™……‰V…x…
+…∫l… M…i… EÚÆ˙ n‰˘™…i……B∆ J……i…‰ ∫…®……v……x… E‰Ú  ¥… ¶…z… S…Æ˙h…… ®… Ω˲* |…§…xv…x… EÚ“ Æ˙…™… ®…  ¥…k…“™…
 x…¥…‰∂… EÚ… ®…⁄±™…Ω˛…∫…  ¥…¥…Æ˙ h…™…… {…Æ˙ B‰∫…‰ ∫…®……v……x… EÚ… EÚ…‰<« ¶……Ë i…EÚ |…¶……¥… x…Ω˛” Ω˲*
B¥…∆ {… Æ˙∂……‰v…x… 8.02 (40.94) E÷ÚUÙ x…Ω˛” (32.92) 12. +x™… |…EÚ]ı“EÚÆ˙h…
∫l……™…“ +…Œ∫i…™……∆ 1.56 E÷ÚUÙ x…Ω˛” E÷ÚUÙ x…Ω˛” 1.56 12.1 |……¥…v……x… B¥…∆ +…EÚŒ∫®…EÚ ¥™…™… EÚ…  ¥…¥…Æ˙h… (Ø˚. EÚÆ˙…c‰ ˜ ®…Â)
E÷Ú±… +…∫l… M…i… EÚÆ˙ n‰˘™…i……B∆ 9.58 (40.94) E÷ÚUÙ x…Ω˛” (31.36) ±……¶… B¥…∆ Ω˛… x… J……i…‰ E‰Ú ∂…“π…«EÚ ¥™…™…
 x…¥…±… +…∫l… M…i… EÚÆ˙ +…Œ∫i…™……ƒ E‰Ú +xi…M…«i… n˘∂……«B M…B |……¥…v……x…… B¥…∆
(n‰˘™…i……B∆) 118.71 61.37 (12.72) 167.36 +…EÚŒ∫®…EÚ ¥™…™…… EÚ…  ¥…¥…Æ˙h… 2008-09 2007-08
 x…¥…‰∂… {…Æ˙ ®…⁄±™…ø…∫… Ω‰˛i…÷ |……¥…v……x… 35.56 44.02
* B.B∫… 15 (∫…∆∂……‰ v…i…) +{…x……x…‰ {…Æ˙ n‰˘™…i…… E‰ Ú ±…B ∫…®……™……‰V…x…-EÚ®…«S……Æ˙“ E‰Ú  Ω˛i……l…« Bx… {…“ B E‰Ú  ±…B |……¥…v……x… 54.53 105.28
9.7 ±…‰J…… ®……x…EÚ ∫…∆ 28 EÚ… +x…÷{……±…x… : +x…V…«EÚ +…Œ∫i…™…ƒ… ®……x…EÚ +…Œ∫i… E‰Ú  ±…B |……¥…v……x… 100.00 0.00
§…ÈEÚ |…§…∆v…x… E‰Ú ®…i… ®…Â, =∫…“ E‰Ú +x…÷∫……Æ˙ +…Œ∫i…™……ƒ +x…V…«EÚ x…Ω˛” Ω˲  V…∫…E‰Ú +…™…EÚÆ˙ E‰Ú  ±…B  EÚB M…B |……¥…v……x… * 0.00 11.14
 ±…B ±…‰J…… ®……x…EÚ 28 “+x…V…«EÚ +…Œ∫i…™…ƒ…” E‰Ú {…Ω˛S……x… EÚ“ EÚ…‰<« +…¥…∂™…EÚi…… +x™… |……¥…v……x… B¥…∆ +…EÚŒ∫®…EÚ ¥™…™…
x…Ω˛” Ω˲* ( ¥…¥…Æ˙h…… ∫… Ω˛i…) 239.13 238.00
B. {…÷x…∫…»Æ˙ S…i… Bx… {…“B J……i…… {…Æ˙ P……]‰ı E‰Ú
§™……V… E‰Ú  ±…B |……¥…v……x… 4.22 (7.47)
§…“. {…÷x…∫…»Æ˙ S…i… ®……x…EÚ +…Œ∫i…™…… {…Æ˙ P……]‰ı
E‰Ú §™……V… E‰Ú  ±…B |……¥…v……x… (8.90) 12.38
∫…“. {…÷x…M…« `ˆi… J……i…… - M…ËÆ˙ ∫…“ b˜“ +…Æ˙
E‰Ú = S…i… ®…⁄±™… ®…Â ø…∫… E‰Ú  ±…B |……¥…v……x… 15.22 0.00
b˜“. +x™…  ¥… ¥…v… ®…n˘… E‰Ú  ±…B |……¥…v……x… 11.13 0.00
<«. ®…V…n⁄˘Æ˙“ §…EÚ…™…… E‰Ú  ±…B |……¥…v……x… 42.00 16.00
103

B°Ú. +x…÷π…∆M…“ ±……¶… EÚÆ˙ E‰Ú  ±…B |……¥…v……x… 4.10 3.50 J…) ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ E‰Ú  n˘∂…… x…nÊ˘∂…… E‰Ú +x…÷∫……Æ˙ §…ÈEÚ x…‰ ¥…π…« E‰Ú n˘…ÆË ˙…x… EfiÚ π…
V…“. +…∫l… M…i… EÚÆ˙ (48.65) (99.97) @Òh… U⁄Ù]ı B¥…∆ Æ˙…Ω˛i… ™……‰V…x……-2008 EÚ… EÚ…™……«x¥…™…x…  EÚ™…… Ω˲* @Òh… U⁄Ù]ı
BS…. v…x… EÚÆ˙ 0.10 0.10 ™……‰V…x…… B¥…∆ @Òh… Æ˙…Ω˛i… ™……‰V…x…… E‰Ú +xi…M…«i… |……{™… {……j… Æ˙… ∂… GÚ®…∂…& Ø˚.
E÷Ú±… 448.44 322.98 324.22 EÚÆ˙…c‰ ˜ B¥…∆ Ø˚.19.95 EÚÆ˙…c‰ ˜ Ω˲* ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ <∫… Æ˙… ∂… EÚ…‰
* M…i… ¥…π…« ∫…‰ ∫…∆§…Œxv…i… Ø˚.88.87 EÚÆ˙…c‰ ˜ EÚ… {…÷x…Æ˙…E∆ Úx… + i… Æ˙HÚ |……¥…v……x… S……Æ˙  EÚ∂i…… ®… +n˘… EÚƉ˙M…“* {……j… EfiÚπ…EÚ…Â ∫…‰ |……{™… Æ˙… ∂… E‰Ú ∫…®§…xv… ®…Â
EÚ…  x…¥…±…* ¥…i…«®……x… ®…⁄±™… +…v……Æ˙ {…Æ˙ Ω˛… x… EÚ… {…™……«{i… |……¥…v……x…  EÚ™…… M…™…… Ω˲* (Ø˚.
1.17 EÚÆ˙…c‰ ˜)
12.2 +∫l……™…“ |……¥…v……x… ¶……Æ˙i… ∫…Æ˙EÚ…Æ˙ x…‰ ¶…“ =x…E‰Ú u˘…Æ˙… n‰˘™…  EÚ∂i…… {…Æ˙ §™……V… n‰˘x…‰ EÚ…  x…h…«™…  ±…™……
¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ {… Æ˙{…j……∆EÚ b˜“ §…“ +…‰ b˜“ ∫…∆. §…“ {…“. §…“ ∫…“. 48/ Ω˲* §…ÈEÚ x…‰ ±……¶… B¥…∆ Ω˛… x… J……i…‰ ®… <∫… ™……‰V…x…… E‰Ú +xi…M…«i… Ø˚. 5.05
21.04.048/2008-09  n˘x……∆EÚ 22  ∫…i…∆§…Æ˙, 2008 EÚ“ B b˜“ EÚÆ˙…c‰ ˜ EÚ“ ∫…“®…… i…EÚ B‰∫…… §™……V… |……{i… EÚÆ˙x…‰ EÚ…‰ ∫¥…“EfiÚi…  EÚ™…… Ω˲*
b˜§±™…⁄ b˜“ +…Æ˙ B∫… E‰Ú +∆i…M…«i… {……j… J……i…… E‰Ú ∫…®§…xv… ®…  ∫…i…∆§…Æ˙ 2008 M…) §…ÈEÚ x…‰ ¥…π…« E‰Ú n…ˢÆ˙…x… EfiÚ π… @Òh… U⁄Ù]ı B¥…∆ Æ˙…Ω˛i… ™……‰V…x…… - 2008 E‰Ú
i…EÚ §™……V… Ω˛… x… {…⁄Æ˙… EÚÆ˙x…‰ E‰Ú  ±…B ¥…π…« E‰Ú n˘…ÆË ˙…x… Ø˚. 15.72 EÚÆ˙…c‰ ˜ EÚ… +xi…M…«i… {……j… J……i…… E‰Ú ∫…®§…xv… ®… M…ËÆ˙ ¥™……¥…Ω˛… Æ˙EÚ §™……V… B¥…∆ +x™… |…¶……Æ˙…Â
={…±…§v… S…±… |……¥…v……x… EÚ… +…Ω˛Æ˙h…  EÚ™…… l……* E‰Ú ∫…®§…xv… ®… Ø˚. 15.72 EÚÆ˙…c‰ ˜ EÚ… S…±… |……¥…v……x… EÚ… ={…™……‰M…  EÚ™…… Ω˲*
12.3  ∂…EÚ…™…i……Â EÚ… |…EÚ]ı“EÚÆ˙h…
B. O……Ω˛EÚ  ∂…EÚ…™…i…Â (Ø˚. EÚÆ˙…c‰ ˜ ®…‰)∆
B) ¥…π…« E‰Ú |……Æ∆˙¶… ®… ±…∆ §…i…  ∂…EÚ…™…i…… EÚ“ ∫…∆J™…… 14  ¥…¥…Æ˙h… 2008-09 2007-08
§…“) ¥…π…« E‰Ú n˘…ÆË ˙…x… |……{i…  ∂…EÚ…™…i……Â EÚ“ ∫…∆J™…… 1216 B) +∫l……™…“ |……¥…v……x… J……i…‰ ®…Â +l…∂…‰π… 15.72 15.72
∫…“) ¥…π…« E‰Ú n˘…ÆË ˙…x…  EÚB M…B  ∂…EÚ…™…i…  x…¥……Æ˙h… EÚ“ ∫…∆J™…… 1197 §…“) ±…‰J…… ¥…π…« ®…Â  EÚB M…B +∫l……™…“
b˜“) ¥…π……»i… ®… ±…∆ §…i…  ∂…EÚ…™…i…… EÚ“ ∫…∆J™…… 33 |……¥…v……x……‰ EÚ“ |…®……j…… 100 E÷ÚUÙ x…Ω˛”
§…“. §…È E∆ÚM… ±……‰EÚ{……±… u˘…Æ˙… {…… Æ˙i… +¥……b«˜ ∫…“) ±…‰J…… ¥…π…« E‰Ú n˘…ÆË ˙…x…  x…EÚ…±…“ M…<« Æ˙…∂…“ 15.72 E÷ÚUÙ x…Ω˛”
B) ¥…π…« E‰Ú |……Æ∆˙¶… ®… M…ËÆ˙ EÚ…™……«Œx¥…i… +¥……b«˜ EÚ“ ∫…∆J™…… ∂…⁄x™…
§…“) ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈÀEÚM… ±……‰EÚ{……±… u˘…Æ˙… {…… Æ˙i… +¥……b« EÚ“ ∫…∆J™…… ∂…⁄x™… b˜“) +∫l……™…“ |……¥…v……x… J……i…‰ ®… < i…∂…‰π… 100 15.72
∫…“) ¥…π…« E‰Ú n˘…ÆË ˙…x… EÚ…™……«Œx¥…i… +¥……b«˜ EÚ“ ∫…∆J™…… ∂…⁄x™… 12.5 §…Ë∆EÚ…Â u˘…Æ˙… V……Æ˙“ ∫…Ω⁄˛ ±…™…i… {…I… (B±… +…‰ ∫…“ B®…) EÚ…
b˜“) ¥…π……»i… ®… M…ËÆ˙ EÚ…™……«Œx¥…i… +¥……b˜…Á EÚ“ ∫…∆J™…… ∂…⁄x™… |…EÚ]ı“EÚÆ˙h…: E÷ÚUÙ x…Ω˛”
12.4 +x™… 12.6 ¥……™…n˘…  ¥… x…®…™… ∫…∆ ¥…n˘…
EÚ) ¥…π…« E‰Ú n˘…ÆË ˙…x… §…ÈEÚ x…‰ E⁄Ú{…x… +…‰x…±…“ ∫¥…˲{… (Ω‰˛ÀV…M… E‰Ú  ±…B ¥™…÷i{…z… 31.03.2009 EÚ…‰ §…EÚ…™……Ø˚. 9,667.55 EÚÆ˙…c‰ ˜
|……‰b˜‰ C]ı) ∫…‰ Ø˚. 6.33 EÚÆ˙…c‰ ˜ EÚ… ±……¶… EÚ®……™……* ¶…… Æ˙§…ÈEÚ ®……M…« x…nÊ˘∂…… E‰Ú
V…Ω˛…ƒ EÚΩ˛” +…¥…∂™…EÚ ∫…®…Z…… M…™…… ¥…Ωƒ˛…  {…UÙ±…‰ ¥…π…« E‰Ú +…ƒEÚb√˜‰ {…÷x…¥…«M…“EfiÚi…/
+x…÷∫……Æ˙ Ø˚. 3.13 EÚÆ˙…c‰ ˜ E‰Ú EÚÆ x…‰]ı EÚ…‰ ¥™…÷i{… k… E‰Ú  ¥…∂…‰π… +…Æ˙ I…i…“ ®…Â
+xi… Æ˙i… EÚÆ˙  n˘™……* {…÷x…¥™…«¥…Œ∫l…i…  EÚB M…B Ω˲*

 ∫…r˘…l…«  §…∫¥……±… B∫… B±… Ω˛ ÆΩ˛Æ˙x… B E‰Ú V…M…z……l…x… +…‰ {…“ ¶…^ı
={… ®…Ω˛… |…§…∆v…EÚ ( ¥…k… B¥…∆ ±…‰J……) ®…Ω˛… |…§…∆v…EÚ (Æ˙…V…EÚ…‰π…) |…§…∆v…  x…n‰˘∂…EÚ +v™…I…
 x…n‰∂…EÚM…h…
V…“§…x… M……‰∫¥……®…“ B∫… B  l…®…Ë™™…… B ∫…‰i…÷®……v…¥…x… {…“ ¥…“  ∂…¥…∂…∆EÚÆ˙  {…±±…Ë
E‰Ú ∫…“ §…xn˘…{‰ ……v™……™… E‰Ú i……h…÷  {…±±…Ë B i……‰®…∫… ∫…“ ]ı“ EÚ…‰∂…“
∫…®…  i… l… EÚ“ Ω˛®……Æ˙“  Æ˙{……‰]ı« E‰Ú +x…÷∫……Æ˙
±…‰J…… {…Æ˙“I…EÚ
EfiÚi…‰ |…‰®… M…÷{i…… B¥…∆ E∆Ú{…x…“ EfiÚi…‰ ∫……‰b˜…x…“ B¥…∆ E∆Ú{…x…“
∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙
+ x…±… E÷Ú®……Æ˙ M…÷{i…… V…M…n˘“∂… v…¥…x…
¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙
∫…n˘∫™…i…… ∫…∆. 082847 ∫…n˘∫™…i…… ∫…∆. 088596
EÚfi i…‰ ∫……Ω˛ M……∆M…÷±…“ B¥…∆ B∫……‰ ∫…™…‰]ı¬∫… EfiÚi…‰ Æ˙…®…x……l…®… B¥…∆ Æ˙…¥… EfiÚi…‰ V…Ëx… B¥…∆ V…Ëx…
∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙
∫…®…“Æ˙ E÷Ú®……Æ˙ ∫……Ω˛ ∫…“. EÚ…®…‰∑…Æ˙ Æ˙…¥…  x…Æ∆V…x… B®…. V…Ëx…
¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙
∫…n˘∫™…i…… ∫…∆. 051392 ∫…n˘∫™…i…… ∫…∆. 024363 ∫…n˘∫™…i…… ∫…∆. 101360
®…÷®§…<«, 23 +|…˱… 2009
104

31 ®……S…« 2009 EÚ…‰ ∫…®……{i… ¥…π…« E‰Ú x…EÚn˘“ |…¥……Ω˛  ¥…¥…Æ˙h… ∫]‰ı]ı §…ÈEÚ +…Ï¢Ú j……¥…h…EÚ…‰Æ˙
(Ø˚. Ω˛V……Æ˙ ®…Â)
31-03-09 EÚ…‰ ∫…®……{i… ¥…π…« 31-03-08 EÚ…‰ ∫…®……{i… ¥…π…«

(A) {… Æ˙S……±…x… M… i… ¥… v…™…… ∫…‰ x…EÚn˘“˘ |…¥……Ω˛ (955 22 29) 629 96 67

(B)  x…¥…‰∂… M… i… ¥… v…™…… ∫…‰ x…EÚn˘“ |…¥……Ω˛ (16 71 14) (54 10 07)

(C)  ¥…k…“™… M… i… ¥… v…™…… ∫…‰ x…EÚn˘“˘ |…¥……Ω˛ (230 89 95) 460 86 35

x…EÚn˘“ B¥…∆ x…EÚn˘ ∫…®…i…÷±™…… ®…  x…¥…±… {… Æ˙¥…i…«x… (B+§…“+∫…“) (1232 83 37) 1036 72 95

(D) ¥…π…« E‰Ú |……Æ˙®¶… ®… x…EÚn˘“˘ B¥…∆ x…EÚn˘“˘ ∫…®…i…÷±™… 3687 49 24 2650 76 29

(E) ¥…π…« E‰Ú +xi… ®… x…EÚn˘“˘ +…ËÆ˙ x…EÚn˘“ ∫…®…i…÷±™… (B+§…“+∫…“+b˜“) (1232 83 38) 2454 65 86 1036 72 95 3687 49 24

A. {… Æ˙S……±…x… M… i… ¥… v…™…… ∫…‰ x…EÚn˘“ |…¥……Ω˛


¥…π…« E‰Ú  ±…B  x…¥…±… ±……¶… 607 83 79 386 11 09
V……‰b˜‰: +…™… EÚÆ˙… B¥…∆ +x…÷π…∆M…“ ±……¶… EÚÆ˙ E‰Ú  ±…B |……¥…v……x… 243 23 00 2414 50 00
+x™… EÚÆ˙… Ω‰˛i…÷ |……¥…v……x… 10 00 10 00
+…∫l… M…i… EÚÆ˙ (48 65 00) (99 97 00)
EÚÆ˙… ∫…‰ {…Ω˛±…‰  x…¥…±… ±……¶… 802 51 79 52774 09
∫…®……™……‰V…x… Ω‰˛i…÷ :
®…⁄±™…ø…∫… |…¶……Æ 41 33 99 48 25 28
Bx… {…“ B E‰Ú  ±…B |……¥…v……x… 54 52 86 105 28 16
®……x…EÚ +…Œ∫i…™…… {…Æ˙ |……¥…v……x… 0 11 14 00
 x…¥…‰∂…… {…Æ˙ ®…⁄±™…ø…∫… 35 56 07 44 01 59
 x…¥…‰∂…… {…Æ˙ {… Æ˙∂……‰v…x… 150 27 51 141 63 61
+x™… |……¥…v……x… 68 35 02 16 00 00
+…<« {…“ b˜“ +…<« {…Æ˙ |…n˘k… §™……V… 28 63 00 18 78 57
+{{…Æ˙  ]ı™…Æ˙ II §…ƒ…b¬˜∫… {…Æ˙ |…nk… §™……V… 50 05 00 46 18 55
B∫… §…ı“ ]ı“ §…ƒ…b¬˜∫… {…Æ˙ |…nk… §™……V… 76 17 60 63 96 55
P…]ı…Bƒ: |…i™…I… EÚÆ˙ 243 51 95 215 35 24
={… V……‰c˜ 261 39 10 279 91 07
∫…®……™……‰V…x… Ω‰˛i…÷:
V…®……+…Â ®…Â ¥…fi r˘/(EÚ®…“) 6688 02 68 4369 87 65
=v……Æ˙ Æ˙…˙ ∂…™……Â ®…Â ¥…fi r˘/(EÚ®…“) (2041 52 41) 946 21 06
 x…¥…‰∂…… ®… (¥…fi r˘) / EÚ®…“ (2064 58 78) (1820 52 10)
+ O…®……Â ®…Â (¥…fi r˘) / EÚ®…“ (4628 83 65) (3612 01 32)
+x™… n‰˘™…i……+… ®… ¥…fi r˘ / (EÚ®…“) 317 94 56 (226 45 42)
+x™… +…Œ∫i…™…… ®… (¥…fi r˘) / EÚ®…“ (290 15 58) 165 21 64
{… Æ˙S……±…x… M… i… ¥… v…™…… u˘…Æ˙… ®…÷Ω˲™……  x…¥…±… x…EÚn˘“ (955 22 29) 629 96 67
105

(Ø˚. Ω˛V……Æ ®…Â)


31-03-09 EÚ…‰ ∫…®……{i… ¥…π…« 31-03-08 EÚ…‰ ∫…®……{i… ¥…π…«
S……±…⁄ ¥…π…«  {…UÙ±…… ¥…π…«
B.  x…¥…‰∂… M… i… ¥… v…™…… ∫…‰ x…EÚn˘“ |…¥……Ω˛
+S…±… +…Œ∫i…™……ƒ (46 71 14) (54 10 07)
 x…¥…‰∂… M… i… ¥… v…™…… ®… |…™…÷HÚ  x…¥…±… x…EÚn˘“ (46 71 14) (54 10 07)
C.  ¥…k…{……‰π…h… M… i… ¥… v…™…… ∫…‰ x…EÚn˘“˘ |…¥……Ω˛:
x…¥……‰x®…‰π… ∫l……™…“ @Òh…  ±…J…i……Â EÚ…  x…M…«®… 0 100 00 00
+{{…Æ˙  ]ı™…Æ˙ II §……Ïhb˜∫… EÚ…  x…M…«®… 0 300 00 00
∫…§……‰˙Ãb˜x…‰]ıb˜ §……Ïhb˜∫… EÚ…  x…M…«®… 0 250 00 00
x…¥……‰x®…‰π… ∫l……™…“ @Òh…  ±…J…i…… {…Æ˙ |…n˘k… §™……V… (28 63 00) (18 7857)
+{{…Æ˙  ]ı™…Æ˙ II §……Ïhb˜∫… {…Æ˙ |…n˘k… §™……V… (50 05 00) (46 18 55)
§……hb˜… {…Æ˙ |…n˘k… §™……V… (76 17 60) (63 96 55)
|…n˘k… ±……¶……∆∂… (76 04 35) (60 19 98)
 ¥…k…{……‰π…h… M… i… ¥… v…™…… u˘…Æ˙… ®…÷Ω˲™……  x…¥…±… x…EÚn˘“ (230 89 95) 460 86 35

D. ¥…π…« E‰Ú |……Æ˙®¶… ®… x…EÚn˘“ B¥…∆ x…EÚn˘ ∫…®…i…÷±™…


i) Ω˛…l… ®… x…EÚn˘“ ( ¥…n‰˘∂…“ ®…÷p˘… x……‰]ı B¥…∆ ∫¥…h…« ∫… Ω˛i…) 78 86 83 72 73 36
ii) ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ ®…Â + i…∂…‰π… 3195 97 84 2390 86 55
iii) §…ÈEÚ…Â ®…Â + i…∂…‰π… B¥…∆ ®……ƒM… i…l……
+±{…EÚ…±…“x… ∫…⁄S…x…… {…Æ˙ |……{™… v…x… 412 64 57 3687 49 24 187 16 38 2650 76 29

E. ¥…π…« E‰Ú +xi… i…EÚ x…EÚn˘“˘ B¥…∆ x…EÚn˘ ∫…®…i…÷±™…


i) Ω˛…l… ®… x…EÚn˘“ ( ¥…n‰˘∂…“ ®…÷p˘… x……‰]ı B¥…∆ ∫¥…h…« ∫… Ω˛i…) 220 62 71 78 86 83
ii) ¶……Æ˙i…“™…  Æ˙W…¥…« §…ÈEÚ ®…Â + i…∂…‰π… 2108 09 81 3195 97 84
iii) §…ÈEÚ…Â ®…Â + i…∂…‰π… i…l…… ®……ƒM… B¥…∆
+±{…EÚ…±…“x… ∫…⁄S…x…… {…Æ |……{™… v…x… 125 93 34 412 64 57
2454 65 86 3687 49 24

 ∫…r˘…l…«  §…∫¥……±… B∫… B±… Ω˛ ÆΩ˛Æx… B E‰Ú V…M…z……l…x… +…‰ {…“ ¶…^ı
={… ®…Ω˛… |…§…∆v…EÚ ( ¥…k… B¥…∆ ±…‰J……) ®…Ω˛… |…§…∆v…EÚ (Æ˙…V…EÚ…‰π…) |…§…∆v…  x…n‰˘∂…EÚ +v™…I…
 x…n‰∂…EÚM…h…
V…“§…x… M……‰∫¥……®…“ B∫… B  l…®…Ë™™…… B ∫…‰i…÷®……v…¥…x… {…“ ¥…“  ∂…¥…∂…∆EÚÆ˙  {…±±…Ë
E‰Ú ∫…“ §…xn˘…{‰ ……v™……™… E‰Ú i……h…÷  {…±±…Ë B i……‰®…∫… ∫…“ ]ı“ EÚ…‰∂…“
∫…®…  i… l… EÚ“ Ω˛®……Æ˙“  Æ˙{……‰]ı« E‰Ú +x…÷∫……Æ˙ ±…‰J…… {…Æ˙“I…EÚ
EfiÚi…‰ |…‰®… M…÷{i…… B¥…∆ E∆Ú{…x…“ EfiÚi…‰ ∫……‰b˜…x…“ B¥…∆ E∆Ú{…x…“
∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙
+ x…±… E÷Ú®……Æ˙ M…÷{i…… V…M…n˘“∂… v…¥…x…
¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙
∫…n˘∫™…i…… ∫…∆. 082847 ∫…n˘∫™…i…… ∫…∆. 088596
EÚfi i…‰ ∫……Ω˛ M……∆M…÷±…“ B¥…∆ B∫……‰ ∫…™…‰]ı¬∫… EfiÚi…‰ Æ˙…®…x……l…®… B¥…∆ Æ˙…¥… EfiÚi…‰ V…Ëx… B¥…∆ V…Ëx…
∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙ ∫…x…n˘“ ±…‰J……EÚ…Æ˙
∫…®…“Æ˙ E÷Ú®……Æ˙ ∫……Ω ∫…“. EÚ…®…‰∑…Æ˙ Æ˙…¥…  x…Æ∆˙V…x… V…Ëx…
¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙ ¶……M…“n˘…Æ˙
∫…n˘∫™…i…… ∫…∆. 051392 ∫…n˘∫™…i…… ∫…∆. 024363 ∫…n˘∫™…i…… ∫…∆. 101360
®…÷®§…<«, 23 +|…˱… 2009
106

SCHEDULE 18
NOTES TO ACCOUNTS
1. CAPITAL
CAPITAL ADEQUACY RATIO
The Capital to Risk-weighted Assets Ratio (CRAR) as assessed by the Bank on the basis of the financial
statements and guidelines issued by the Reserve Bank of India (RBI) has been computed as below:
a. As per BASEL I 31.03.2009 31.03.2008
i) Capital to Risk Weighted Assets Ratio (CRAR) 12.13% 12.68%
ii) Capital to Risk Weighted Assets Ratio Tier I 7.43% 6.94%
iii) Capital to Risk Weighted Assets Ratio Tier II 4.70% 5.74%
iv) % of share holding of the Govt. of India Nil Nil
b. As per BASEL II
As per the extant guidelines of Reserve Bank of India, Bank has migrated to New Capital Adequacy framework
with effect from 31.03.2008. Bank has adopted Standardized Approach for Credit Risk, Standardized Duration
Approach for Market Risk and Basic Indicator Approach for Operational Risk towards computing the
minimum Capital under BASEL – II
i)Capital to Risk Weighted Assets Ratio (CRAR) 14.03% 13.53%
ii)Capital to Risk Weighted Assets Ratio - Tier I 8.59% 7.41%
(As compiled by the Management and relied upon by the Auditors)
c) Subordinated debt and hybrid instruments raised as part of Tier I/Tier II capital (Rupees in crore)
Details Year of issue Tenor Int Rate % Amount Amount
Subordinated Debt 31.03.2009 31.03.2008
Series V 2001-2002 85 months 9.188 120.00 120.00
Series VI 2004-2005 111 months 7.05 195.00 195.00
Series VII 2005-2006 115 months 7.45 235.00 235.00
Series VIII 2005-2006 111 months 7.80 140.00 140.00
Series IX 2007-2008 120 months 9.20 125.00 125.00
Series X 2007-2008 120 months 9.18 125.00 125.00
Upper Tier II Bond 2006-2007 180 months 9.65 200.00 200.00
Upper Tier II Bond 2007-2008 180 months 10.25 300.00 300.00
Innovative Perpetual Debt Instrument (Tier I Capital)
Series-I 2006-2007 perpetual 9.34 200.00 200.00
Series-II 2007-2008 perpetual 9.95 100.00 100.00
Total 1740.00 1740.00
2. INVESTMENTS (Rupees in crore)
PARTICULARS 31.03.2009 31.03.2008
Value of Investments
(i) Gross value of Investments 13303.80 11419.36
(a) In India 13303.80 11419.36
(b) Outside India Nil Nil
(ii) Less: Provisions for Depreciation 72.10 66.41
(a) In India 72.10 66.41
(b) Outside India Nil Nil
(iii) Net value of Investments 13231.70 11352.95
(a) In India 13231.70 11352.95
(b) Outside India Nil Nil
Movement of Provisions held st
towards Depreciation on Investments
i) Opening Balance (as on 1 April) 66.41 108.09
ii) Add Provisions made during the year 35.55 44.02
iii) Less Write back of excess provisions during the year Nil Nil
iv) Less: Write-off during the styear 29.86 85.70
v) Closing Balance (as on 31 March) 72.10 66.41
107

2.1 Repo Transactions during the year 2008-09 (Rs. in crore)

Minimum Maximum Daily average


Outstanding as on
Particulars outstanding Outstanding outstanding st
31 March 2009
during the year during the year during the year

Securities Sold under Repo 0 750.00 30.41 Nil


(300.00) (300.00) (0.82) (Nil)

Securities Purchased under 0 1000.00 43.19 150.00


Reverse Repo (3.00) (500.00) (9.96) (500.00)

Note: Figures in brackets relate to the previous year.


2.2 Non SLR Investment Portfolio
i) Issuer composition of Non SLR Investments as on 31.03.09 ii) Non Performing Non-SLR Investments as on 31.03.09
(Rs. in crore)
Particulars Amount (in crore)
Extent Extent of Extent of Extent of Opening Balance 2.65
No. Issuer Amount of private “Below “unrated” “unlisted”
placement Investment securities securities (2.87)
Grade”
securities Additions during the year -
1 2 3 4 5 6 7
1. PSU 60.01 34.45 1.50 40.29 35.77 since 1st April 2008 (Nil)
(47.54) (42.23) (1.50) (17.82) (12.50) Reductions during 0.15
2. Financial 1041.03 935.71 25.31 24.20 the above period (0.22)
Institutions (371.94) (361.65) (16.66) (16.38)
Closing Balance 2.50
3. Banks 254.78 40.18 3.82 0.00
(2.65)
(68.95) (64.55) (11.40) (0.00)
Total provisions held 2.50
4. Private 175.41 18.37 1.37 175.30 19.27
Corporates (214.93) (45.57) (1.37) (214.93) (46.59) (2.65)
5. Subsidiaries Note: Figures in brackets relate to the previous year.
& Joint Ventures
6. Others 0.24 0.24 0.24 0.24
(13.28) (0.24) (13.28) (0.24)
7. Provision held 69.40
towards
depreciation (35.16)

Total 1462.07 1028.95 2.87 244.96 79.48


(Net of depreciation) (681.48) (514.24) (2.87) (274.08) (75.70)
Note: Figures in brackets relate to the previous year
108

3. DERIVATIVES 3.2 Exchange Traded Interest Rate Derivatives


(Rupee & Forex)
3.1 Interest Rate Swap/Forward Rate S.No. Particulars Amount
Agreement/Option (i) Notional Principal amount of exchange
(Rs. in crore) traded interest rate derivatives
Rupee / Forex Based undertaken during the year Nil
Particulars 31.3.2009 31.3.2008 (ii) Notional Principal amount of exchange
i. The Notional Principal of traded interest rate derivatives
st
Swap agreements outstanding as on 31 March 2009 Nil
Interest rate Swap - 100.00 (iii) Notional Principal amount of exchange
Coupon only swap 140.00 140.00 traded interest rate derivatives and not
ii. Losses which would be “highly effective” Nil
incurred if counter parties (iv) Marked-to-market value of exchange
failed to fulfill their obligations traded interest rate derivatives
under the agreements 21.00 4.32 outstanding and not “highly effective” Nil
iii. Collateral required by the
Bank upon entering into swaps Nil Nil 3.3 Options:
iv. Concentration of credit risk (a) Options offered to customers have been covered
arising from the swaps Nil Nil back to back in the market.
v. The fair value of the swap book (10.29) (5.85) (b) The carrying value of the Notional Principal Amount
(Derivative transactions are made based on the of the outstanding options arrived at FEDAI rates
certificates obtained by the Management from the and the fair value as on 31.03.2009 are:
Exporters.)
Particulars Carrying Value Fair Value
(a) The Bank has entered into Interest Rate Swap 31.3.09 31.3.08 31.3.09 31.3.08
(Coupon only swaps) for hedging the interest rate Option contracts Nil 62.19 Nil Nil
risks of Tier II Bonds. No swap transaction was
undertaken for trading purpose during the year. 3.4 Disclosures on risk exposure in derivatives

(b) All the Interest Rate Swaps are within the counter a) Qualitative Disclosure
party exposure limits. (i) Bank is not undertaking trading in derivatives. They
are being used for hedging purposes only. The
(c) The value and maturity of the hedge have not underlying to be hedged and the hedge instrument
exceeded the underlying liabilities and no stand- are identified by the user department. The hedge
alone transactions are initiated/outstanding. methodology is approved by the Executive
(d) The Coupon only swaps are done in Japanese Yen Committee of the Board of Directors. The
and Indian Rupees receiving Fixed Rate interest in execution of trade and monitoring is done by user
Indian Rupee and paying Japanese Yen LIBOR for department.
one year (plus a spread) with a cap of 1%. (ii) As risk measurement and monitoring, the hedge
instrument is marked to the market at periodical
(e) The Bank has not offered any collateral for intervals to ensure its effectiveness.
undertaking the swaps. (iii) Identifying an underlying, employing a derivative
(f) There is no concentration of credit risks arising to hedge the Rate Sensitive Gap and reviewing
from Interest Rate Swaps undertaken during the the effectiveness based on interest rate view are
year. some of the processes in risk mitigation.
(iv) Hedge transactions are accounted on accrual basis
(g) No Forward Rate Agreement transaction was and no marking to market is done. However, fair
undertaken during the year. value and likely loss in the event of counterparty
default is disclosed. Credit Risk is mitigated through
counterparty exposure norms set internally.
109

b) Quantitative Disclosure 4. ASSET QUALITY


Rupee / Forex Based (Rs. in crore) 4.1 Non Performing Asset
No. Particulars Currency Currency 1. Movement of NPAs (Rs.in crore)
Derivatives Derivatives Particulars 31.3.2009 31.3.2008
31.03.09 31.03.08
i. Net NPAs to Net Advances (%) 0.58% 0.94%
1 Derivatives (Notional
ii. Movement of NPAs Gross
Principal Amount)
(a) Opening balance 570.83 540.11
a) For Hedging Nil Nil
(b) Additions during the Year 404.70 326.33
b) For Trading Nil Nil
(c) Reductions during the year 431.13 295.61
2. Marked to Market Positions
(d) Closing balance 544.40 570.83
a) Asset (+) Nil Nil
iii. Movement of Net NPAs
b) Liability (-) Nil Nil (a) Opening balance 267.71 267.62
3 Credit Exposure Nil Nil (b) Additions during the Year 273.82 254.05
4 Likely impact of one percentage (c) Reductions during the year 353.15 253.96
change in interest Rate (d) Closing balance* 188.38 267.71
(100*PV01) on hedging derivatives Nil Nil iv. Movement of Provisions
a. on hedging derivatives for NPAs (Excluding provision
b. on trade derivatives on Standard Assets )
5 Maximum and Minimum of (a) Opening balance 264.43 262.09
100*PV01 observed (b) Provisions made during the year# 154.12 97.82
during the year (c) Write off of excess
a) on hedging Nil Nil provision (Utlised for write off) 85.55 95.48
b) on Trading Nil Nil (d) Write back of excess
provisions/reversal 0.00 0.00
Rupee / Forex Based (e) Closing Balance 333.00 264.43
No. Particulars Interest rate Interest rate 1. * Closing Balance of Net NPA is arrived at after
Derivatives Derivatives deducting Interest Not Collected of Rs.23.02 crores
31.03.09 31.03.08 2. #Includes Floating Provision of Rs.100 crore made
1 Derivatives (Notional during the year
Principal Amount)
3. For the purpose of arriving at the provision made in
a) For Hedging 140.00 240.00
respect of non-performing advances, claims lodged /
b) For Trading Nil Nil
to be lodged with ECGC, are treated as admissible.
2. Marked to Market Positions
a) Asset (+) Nil Nil
b) Liability (-) (10.29) Nil
3 Credit Exposure 21.00 Nil
4 Likely impact of one percentage
change in interest Rate (100*PV01)
on hedging derivatives 1.42 0.90
a. on hedging derivatives Nil Nil
b. on trade derivatives Nil Nil
5 Maximum and Minimum of
100*PV01 observed
during the year
a) on hedging 11.13/9.78 0.90
b) on Trading Nil Nil
(Disclosure is made based on the certificate obtained
by the management from exporters)
110

4.2 Details of Loan Assets subjected to Restructuring/Rescheduling/Renegotiation during the


year (Rs. in crore)
CDR Mechanism SME Debt Restructuring Others
upto from upto from upto from
26/08/08 27/08/08 26/08/08 27/08/08 26/08/08 27/08/08
Standard No. of Borrowers 0 1 0 5714 4 2157
advances Amount outstanding 0 17.88 0 113.50 41.46 382.10
restructured Sacrifice 0 3.84 0 5.60 1.21 8.41
(diminution in the fair value)
Sub Standard No. of Borrowers 0 0 0 0 0 0
advances Amount outstanding 0 0 0 0 0 0
restructured Sacrifice 0 0 0 0 0 0
(diminution in the fair value)
Doubtful No. of Borrowers 0 1 0 0 0 0
advances Amount outstanding 0 17.38 0 0 0 0
restructured Sacrifice 0 4.62 0 0 0 0
(diminution in the fair value)
TOTAL No. of Borrowers 0 2 0 5714 4 2157
Amount outstanding 0 35.26 0 113.50 41.46 382.10
Sacrifice 0 8.46 0 5.60 1.21 8.41
(diminution in the fair value)
Additional Disclosures regarding restructured accounts

No. Disclosures Number Amount


1. Application received up to March 31,2009 for restructuring, in respect of accounts,
which were standard as on Sept 1, 2008. 8297 794.30
2. Of (1), proposals approved and implemented as on March 31, 2009 and thus
became eligible for special regulatory treatment and classified as standard assets as
on the date of the balance sheet. 7876 554.91
3. Of (1), proposals approved and implemented as on March 31, 2009 but could
not be upgraded to the standard category Nil Nil
4. Of (1), proposals under process/implementation which were standard
as on March 31,2009 417 231.86
5. Of (1), proposals under process/implementation, which turned NPA as on
March 31, 2009 but are expected to be classified as standard assets on full
implementation of the package. 4 7.53
4.3 Details of Financial Assets sold to Securitisation / Reconstruction Company for Asset Reconstruction
(Rs. in crore)
Particulars 31/03/2009 31/03/2008
i. No. of Accounts 3 1
ii) Aggregate Value (Net of Provisions) of accounts sold to SC/RC # 45.33 Nil
iii) Aggregate Consideration $ 18.63 0.70
iv) Additional Consideration realized in respect of accounts transferred in earlier years Nil Nil
v) Aggregate Gain / Loss over net book value @ (9.17) 0.70

# 2 Accounts (AUC) – 17.53 crore $ 3.00 crore @ 3.00 crore (+)


1 Account (NPA) – 27.80 crore 15.63 crore 12.17 crore (-)
111

4.4 Details of non-performing financial assets Agriculture and SME sectors (0.25%), with the
purchased stipulation that the provisions held at present should
(Rs. in crore) not be reversed. However, in future, if by applying the
Particulars 31.03.09 31.03.08 revised provisioning norms, any provision is required
1. (a) No. of accounts purchased over and above the level of provisions currently held
during the year — — for the standard assets category, the same shall be duly
(b) Aggregate Outstanding — — provided. As the present provision available is in excess
2. (a) Of these, no. of accounts of the requirement, the additional provision requirement
restructured during the year — — for the year 2008-2009 is NIL.
(b) Aggregate Outstanding — — 5. BUSINESS RATIOS
4.5 Provision on Standard Assets for the year Particulars 31.03.09 31.03.08
(Rs. in crore) i. Interest Income as a percentage
Particulars 31.03.09 31.03.08 of Working Funds 8.84 7.79
Provision towards Standard Assets Nil 11.14 ii. Non Interest income as a
Total outstanding provision towards Standard Assets percentage of Working Funds 1.23 0.99
st
as on 31 March 2009 is Rs.148.28 crore. (Previous iii. Operating profit as a percentage
year: Rs.148.28 cr