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yeeeW mes oeeW - eer efJeefveue kegceej mekemesvee, eer megOeerj kegceej pewve - keee&keejer efveosMeke,eer megoMe&ve mesve, eer heer.eerefveJeeme - keee&keejer efveosMeke,
eer Deeueeske efveiece, eer Sme.Sme.cetbo[e - DeOe#e SJeb heyevOe efveosMeke, eer megjsv Sme.YeC[ejer, eer ceewefueve DejefJevo Jew<CeJe, eer Depee ceeLegj,
eer jepeerye mesKej meent, eer mele osJe ef$ehee"er, eer Jeer.yeer.eJneCe, eer jbpeve OeJeve - keee&keejer efveosMeke
2012-13
R. K. BANSAL
J. RAMESH
V. H. THATTE
S. K. DAS
SUBHASH C. AHUJA
R. S. SETIA
S. KALYANARAMAN
ANIMESH CHAUHAN
K. N. MANVI
K. D. LAMBA
MOHAR SINGH
K. K. SHUKLA
ARUN SHRIVASTAVA
R. P. MARATHE
RAJESH MAHAJAN
J. D. PARMAR
P. D. SINGH
R. S. ABHYANKAR
R. KOTEESWARAN
D. K. GARG
V. K. GUPTA
K. VENKATA RAMA MOORTHY
K. P. KHARAT
U. K. BIJAPUR
NIRMESH KUMAR
M. L. JAIN
M. M. REDDY
ARUN KUMAR
L. M. ASTHANA
U. C. SINGHVI
D. P. TRIVEDI
E. H. RAHIMAN
P. D. POTNIS
Dr. K. SRINIVASA RAO
N. K. JAIN
S. K. POOJARY
R. K. SHARMA
N. N. BHALERAO
D. D. SINGLA
R. K. ARORA
S. S. GHAG
2012-13
ke=les js SC[ js
meveoer uesKeekeej
Head Office
HeOeeve keeee&uee
ye[ewoe neTme, ceeC[Jeer, Je[esoje 390 006.
3 Floor, Baroda Corporate Centre, C-26, G-Block, BandraKurla Complex, Bandra (E), Mumbai 400 051.
cewmeme& keeJeea kecHetjMesej Hee. efue. Huee veb. 17-24, efJeuejeJe veiej, Fcespe
DemHeleeue kes Heeme, ceeOeeHegj, nwojeyeeo 500 081.
II
rd
2012-13
Page
DeOe#eere JekeleJe
02
Chairman's Statement
09
veesefme
15
Notice
15
19
Directors' Report
61
99
99
138
138
161
161
163
163
179
179
HeefjYee<eeSb
181
Definitions
181
legueve-he$e
182
Balance Sheet
182
ueeYe-neefve uesKee
183
183
vekeoer-eJeen efJeJejCeer
231
231
233
Auditors' Report
233
236
236
269
270
2012-13
DeOe#eere JekeleJe
efee efnleOeejke,
cegPes en metefele kejles ngS hemeVelee nes jner nw efke yeQke Dee@]He ye[ewoe ves
Je<e& 2012-13 (efJeeere Je<e& 13) kes oewjeve keef"ve egveewefleeeW SJeb Yeejleere
DeLe&JeJemLee ceW DeeqmLejlee kes yeeJepeto ve kesJeue meg{lee efoKeeF& nw yeequke
meceie keejesyeej kes mlej hej je^ereke=le yeQeEkeie #es$e ceW Ske DeieCeer mLeeve
Yeer heehle efkeee nw.
en Gefele nesiee efke DeejbYe ceW Gme keejesyeej heefjMe keer meceer#ee keer
peeS efpemekes Debleie&le meceer#eeOeerve Je<e& kes oewjeve Deehekes yeQke ves heefjeeueve
efkeee nw.
DeeefLe&ke meceer#ee
efJeeere Je<e& 2013 kes oewjeve Yeejleere DeLe&JeJemLee ceW ye{leer cegemHeerefle
kes meeLe meJee&efOeke Oeerceer Je=ef heefjueef#ele ngF& nw. efJeeere Je<e& 2011 keer
eewLeer efleceener ceW JeemleefJeke peer[erheer Je=ef 9.2% keer leguevee ceW efJeeere
Je<e& 2013 keer leermejer efleceener ceW 4.5% leke DeeOeer mes DeefOeke kece nes
ieF& pees 15 efleceeefneeW ceW meJee&efOeke kece nw. Geesie SJeb mesJee #es$e ceW leerJe
ceboer Iejsuet veerefle keer DeefveeqeleleeSb, hetJe&Jeleea ceewefke efveeb$eCe ceW DeeqmLejlee
SJeb yeenjer ceebie ceW keceer kee Demej heefjueef#ele neslee nw. ke=ef<e Je=ef ceW
meblegueve keer eqmLeefle ves Je=ef keer mebYeeJeveeDeeW kes meeLe-meeLe cegemHeerefle
keer DeeMebkee Yeer Jee keer nw. eeefhe, ns[ueeFve cegemHeerefle (Leeske cetue
metekeebke DeeOeeefjle) efJeeere Je<e& 13 keer 7.58.1% keer leguevee ceW
efJeeere Je<e& 13 (ceee&, 2013) keer otmejer ceener ceW 5.96% kes mlej hej
efveeb$eCe ceW Deeves mes Kegoje (Leeske cetue metekeebke DeeOeeefjle) cegemHeerefle,
Ge Keee-mHeerefle kes meeLe-meeLe oes DebkeeW kes mlej hej DeJe jner.
Je=ef kes Kejeye heefjMe kes yeeJepeto, Yeejleere efj]peJe& yeQke ves jshees oj
Deewj SmeSueDeej heleske kees 100 DeeOeejYetle Debke leLee meerDeejDeej kees
75 DeeOeejYetle Debke leLeeefhe, eefceke he ceW Ieekej Je=ef-mHeerefle
meefeelee kees meeJeOeeveerhetJe&ke efveebef$ele efkeee.
Oeerceer Je=ef kes DeueeJee, Yeejleere DeLe& JeJemLee ceW iebYeerj yeee Demeblegueve
efoKeeF& efoee efpememes kece efveee&le Je=ef leLee Ge lesue SJeb mJeCe& Deeeele
kes keejCe cetue he mes keejesyeej Iees kes keejCe efJeeere Je<e&-13 keer
leermejer efleceener ceW eeuet Keelee Ieee (meerS[er) 6.7% kes meJeexe mlej hej
hengbe ieee. eeuet Keelee Iees kes Ge mlej hej nesles ngS Yeer, yesnlej
hees&Heesefueees SJeb F&meeryeer DeeJeke kes keejCe heee-[e@uej efJeefvecee oj
Jeebefle meercee kes Deboj ner jner.
DeLe&JeJemLee ceW meceie ceboer kes eueles Devegmetefele JeeefCeeqpeke yeQkeeW keer
pecee SJeb $e+Ce Je=ef Je<e&Yej Dehesef#ele mlej mes kece jner. Kegoje cege
mHeerefle Ge mlej hej jnles ngS Devegmetefele JeeefCepe yeQkeeW kees peceejeefMeeeW
hej DeefOeke yeepe osvee he[e leeefke mJeCe& SJeb Deve Deeke<e&ke efveJesMeeW kes
nesles ngS, Gvekee pecee DeeOeej yevee jns. Fmekes yeeJepeto Yeer Je<e& Yej $e+Ce
Je=ef keer leguevee ceW peceeJe=ef 250 mes 300 DeeOeejYetle efyeog kece jner.
Fmekes Deefleefje, keeheexjs #es$e mes efveJesMe kece nesves leLee heefjeespeveeDeeW
kes ke peeves kes keejCe yeQkeeW keer Deeeqmle iegCeJeee keer eEelee ye{ ieF&
peyeefke mejkeejer #es$e ves efJeeere DevegMeemeve keer heeeqhle kes efueS Deheves
KeeeX kees meerefcele kej efoee.
yeQke Dee@]He ye[ewoe egveewleerhetCe& oewj ceW meg{lee
efJe<ece oerIe& heefjeqmLeefleeeW kes nesles ngS Yeer Deehekes yeQke ves efJeeere Je<e&
2013 ceW Deheves keejesyeej kees cepeyetleer heoeve keer leLee Jewefeke keejesyeej
kes mlej hej Yeejleere yeQeEkeie #es$e ceW meyemes ye[s je^ereke=le yeQke kes he
ceW GYeje. Deehekes yeQke kee Jewefeke keejesyeej ceee&, 2012 Deewj ceee&,
2013 kes ceOe leke 19.3% (Je<e&-oj-Je<e&) keer Je=ef oj mes `.6,72,248
kejes[ mes ye{kej `.8,02,069 kejes[ nes ieee.
leLeeefhe, Yeewefleke DeeeqmleeeW kes he ceW Deeke<e&ke Jewkeequheke DeJemejeW kes
nesles ngS Yeer en Geesie kes Deewmele mlej mes DeefOeke 23.1% kes mlej hej
kegue peceejeefMeeeb heehle kejves ceW meHeue jne. Fmekeer Jewefeke keemee
(Deuhe ueeiele) peceejeefMeeeb efJee Je<e& 2013 ceW 15.9% (Je<e&-oj-Je<e&) keer
oj mes ye{ kej `.1,19,981 kejes[ nes ieF& nQ. FmeceW Iejsuet keemee kee
DebMe 30.4% nw.
Deehekes yeQke ves kegue Deee ceW 17.3% (Je<e&-oj-Je<e&) keer Meeveoej Je=ef ope&
keer nw Deewj en yeepe Deee ceW 18.6% keer Je=ef leLee Deve (iewj-yeepe)
Deee ceW 6.1% keer Je=ef kes meceLe&ve mes efJeeere Je<e& 2013 ceW `.38,827.28
kejes[ kes mlej hej hengbe ieF& nw. meerefcele heefjefveeespeve DeJemej nesves kes
yeeJepeto Deehekes yeQke keer Meg yeepe Deee (SveDeeF&DeeF&) 9.7% (Je<e&-ojJe<e&) keer oj mes ye{ kej `.11,315.26 kejes[ nes ieF&.
Deehekes yeQke ves ye[s SJeb efce[ keeheexjs, SceSmeSceF&, Kegoje SJeb ke=ef<e #es$e
kees meblegefuele $e+Ce-mebefcee heoeve kej Deheves $e+Ce-mebefJeYeeie ceW 14.2% keer
Je=ef keer nw. hetJe& keer Yeebefle Deehekes yeQke kee Deeeqmle iegCeJeee Devegheele, ye[s
Deekeej kes meeJe&peefveke #es$e kes yeQke-Jeie& ceW meyemes kece jne. Fmekee
mekeue SveheerS 2.40% leLee Meg SveheerS 1.28% jne.
efJeeere Je<e& 2013 kes oewjeve GuuesKeveere Deeweesefieke ceboer kes yeeJepeto
Deehekes yeQke kee heefjeeueve ueeYe (mekeue ueeYe) mekeejelceke jne. en
efJee Je<e& 13 ceW 4.9% (Je<e&-oj-Je<e&) keer oj mes ye{ kej `.8,999.15
kejes[ nes ieee nw. peneb leke Meg ueeYe kee mebyebOe nw, en efJee Je<e& 12
kes `.5,006.96 kejes[ keer leguevee ceW efJee Je<e& 2013 ceW Ie kej
`.4,480.72 kejes[ nes ieee. Fmekee keejCe SveheerS kes efueS Gelej
heeJeOeeve kejvee Lee.
Deehekes yeQke ves Gelej heeJeOeeve keJejspe Devegheele kes efueS efJeJeskehetCe&
eqkeesCe Deheveevee peejer jKee nw. 31 ceee&, 2013 kes Devegmeej Fmekee
$e+Ce-neefve-keJejspe-Devegheele Deheves meceke#e meeJe&peefveke #es$e kes yeQkeeW mes
Dehes#eeke=le 68.24% kes Gelej mlej hej jne.
hetJe& keer Yeebefle, Deehekes yeQke kee efJeosMeer heefjeeueve, keejesyeej kee kesv
eEyeog jne. efJeeere Je<e& 2013 ceW yeQke kes kegue keejesyeej ceW Gmekee eesieoeve
29.4%, heefjeeueve ueeYe ceW 24.6% leLee cegKe Meguke Deee ceW 34.2%
jne.
Fmekeer meceie cepeyetleer ceW Fmekeer hetbpeer kee Yeer Dence eesieoeve jne nw.
Fmekee meerDeejSDeej (yeemesue-II) 13.30% leLee 31 ceee&, 2013 kees
erej-I hetbpeer 10.13% jner. Deehekee yeQke Deheveer ye{eslejer kes efueS ner veneR
yeequke yeemesue-III keer DeeJeMekeleeDeeW kees hetje kejves kes efueS mecegefele he
mes hetbpeerke=le nw.
efJeeere Je<e& 2013 kes oewjeve keee&veerefle henueW
efJeosMeer keejesyeej
Deehekee yeQke Je<e& 1953 ceW efJeosMeer #es$eeW ceW Deheves heebJe peceeves kes mecee
mes ner efJeosMeer Jeeheej pegeves kes efueS MeeKee leb$e ceW efvejblej efJemleej
2012-13
kejlee jne nw. Fme Je<e& [erDeeF&SHemeer, ogyeF& ceW yeQke kes 100 JeW keeee&uee
kee Ssefleneefmeke GoIeeve ceeveveere kesvere efJee ceb$eer, Yeejle mejkeej ves
efkeee. 31 ceee&, 2103 kees yeQke kes 24 osMeeW ceW 100 keeee&ueeeW kes eje
heefjeeueve efkeee peelee Lee. Fve 100 keeee&ueeeW ceW 60 yeQke MeeKeeSb,
Fmekeer efJeosMe eqmLele meneeke kebheefveeeW keer 39 MeeKeeSb leLee Ske
heefleefveefOe keeee&uee Meeefceue nw. Deehekes yeQke keer Debleje&^ere mlej hej
Je==no GheeqmLeefle Fmes ogefveee Yej ceW peesefKece-efJeefJeOelee kee GuuesKeveere
ueeYe heoeve kejleer nw. Deehekes yeQke ves efJeeere Je<e& 2013 ceW 12 veF&
MeeKeeSb/keeee&uee (meneeke kebheefveeeW meefnle) Keesues. es MeeKeeSb/
keeee&uee efme[veer, Deem^sefueee, [erDeeF&SHemeer, ogyeF&, meesnj, Deesceeve,
jespeyesue, cee@efjMeme leLee Fueske^e@efveke yeweEkeie mesJee FkeeF& (F&yeerSmeet),
[erScemeermeer ogyeF& ceW Keesueer ieF& nQ. Fmekes DeueeJee meceer#eeOeerve Je<e& kes
oewjeve ceuesefMeee ceW Fbef[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.ves
Yeer keee& kejvee DeejbYe kej efoee nw.
Deeeqmle iegCeJeee
pewmee efke henues yeleeee pee egkee nw Yeejle efJeeere Je<e&-13 ceW yengle ye[er
Deee|Leke ceboer kes oewj mes iegpeje efpemekes keejCe $e+Ce yekeeeeW SJeb $e+Ce
etkeeW ceW ye{esejer ngF&. Fve mecemeeDeeW mes efveheves kes efueS Deehekes yeQke ves
Deefiece KeeleeW ceW DeejbefYeke iCelee/mebYeeefJele etkeeW/keefceeeW kees heneeveves
kes efueS DeveskeeW henue kej $e+Ce efveiejeveer heefeee kees ogmle efkeee
efpememes efke megOeejelceke Gheee efkeS pee mekeW. FveceW hee$e ceeceueeW ceW $e+Ce
egkeewleer kee hegveie&"ve, eqmuehespe jeskeves leLee yesnlej Deeeqmle iegCeJeee yeveeS
jKeves pewmes GheeeeW kee meceeJesMe Lee. Je<e& kes oewjeve efveefOemeefnle SJeb
efveefOejefnle `.10 kejes[ SJeb DeefOeke SkemeheespejJeeues Deefiece KeeleeW kes
mebyebOe ceW ceeefmeke cee@efveeEjie efjhees& (SceSceDeej) kee heehe DeejbYe efkeee
ieee. Fmemes DeefieceeW keer lJeefjle SJeb heYeeJeer cee@efveeEjie ngF& SJeb
mecemeepeveke KeeleeW hej eLeemecee DeeJeMeke keee&Jeener kejvee Fmekes
meeLe ner Deehekes esef[ hees&Heesefueees keer Deeeqmle iegCeJeee ceW megOeej ueeves
kes heeespeve mes yeQke ves KeeleeW keer lJeefjle meceer#ee, efveece SJeb MeleeX keer
Devegheeuevee, Ge cetue kes KeeleeW keer esef[ jseEie keer DeheieseE[ie Deeefo
kee Hee@ueesDehe DeejbYe efkeee nw.
ueej Deee|Leke heefjMe kes keejCe Deeeqmle iegCeJeee kees yeveeS jKeves kes
heeespeve mes Deehekes yeQke ves SveheerS hees&Heesefueees keer meg{ cee@efveeEjie SJeb
Jemetueer kes efueS heeefuele heefjheeer kees peejer jKee nw. Deeeqmle iegCeJeee kees
yeveeS jKeves kes efueS Fmeves MeeKee, #es$e, Debeue leLee keeheexjs keeee&uee
mlej hej Jemetueer SJeb esef[ cee@efveeEjie keer efJemle=le mebjevee leweej kej
nj mebYeJe heeeme efkeS ieS. Fmekes DeueeJee heleske $e+Ce Jemetueer
veeeeefOekejCe ([erDeejer) kesveW kes vees[ue DeefOekeeefjeeW kees owefveke
DeeOeej hej efJeefOeke ceeceueeW kes Hee@uees-Dehe keer Yetefcekee Yeer meeQheer ieF& nw
leeefke ef[eer heehle kejves SJeb Gmekes efve<heeove ceW kece mes kece efJeuebye nes
Deewj DeefOekelece Jemetueer heehle nes mekes. [erDeejer kes meYeer oeJee oeej
SveheerS KeeleeW keer Jemetueer kes heeespeve mes yeQke kees heYeeefjle DeeeqmleeeW kees
F&-veerueeceer kes eje yesee pee jne nw efpememes efke yeQke kees heYeeefjle
DeeeqmleeeW kee mecegefele yeepeej cetue heehle nes. Deehekes yeQke ves Sve heer S
KeeleeW keer Jemetueer keer mebYeeJeveeDeeW kee helee ueieeves kes efueS Hee@ueesDehe leb$e
hej peesj osvee peejer jKee nw. Ge cetue Jeie& kes SveheerS KeeleeW pewmes `.25
ueeKe SJeb DeefOeke kes KeeleeW keer meerOes ner keeheexjs keeee&uee mes
2012-13
cee@efveeEjie mes MeeKeeDeeW, S[JeeskeseW leLee Jemetueer SpeWeW Deeefo kes eje
hetJeexheee kejvee megefveeqele ngDee nw.
Deehekes yeQke ves efJeeere Je<e& 13 kes oewjeve ieebJe/veiej mlej hej ueeske
Deoeuele SJeb Jemetueer keQheeW kee Deeeespeve kej ess KeeleeW keer Jemetueer hej
efJeMes<e Oeeve keseqvle efkeee nw. Deehekes yeQke ves heeslmeenve DeeOeeefjle
Jemetueer eespevee "mebkeuhe-V" DeejbYe keer efpememes efke `.15 ueeKe leke kes
kece cetue kes yekeeee KeeleeW keer Jemetueer kes efueS meHe meomeeW kee
Jeefeiele Oeeve Deekee|<ele efkeee ieee. efJeeere Je<e& 13 kes oewjeve Fme
eespevee kes Debleie&le `.231 kejes[ mes DeefOeke keer meblees<epeveke Jemetueer
eqmLeefle jner.
ieenke mesJee
ieenke mesJee kees yesnlej yeveeves kes efueS Deehekes yeQke ves yeQke JesyemeeF hej
Ske Dee@veueeFve efMekeeeleW kee Deeekeve leweej efkeee nw efpemekes eje
efMekeeelekelee& Ske mejue SJeb megefJeOeepeveke lejerkes mes yengefJeOe ewveueeW
eje Deheveer efMekeeeleeW kees ope& keje mekelee nw. Fmekes meeLe ner Deehekes
yeQke ves Debeue keeee&ueeeW kes meeLe-meeLe yeQke kes heOeeve keeee&uee ceW Ske
mecee|hele kebhetj efmemce - Ske efkeeesmke keer mLeehevee keer efpememes efke
ieenke Deheveer efMekeeeleW/mecemeeSb Dee@veueeFve ope& kej mekeW.
keeheexjs esef[
ceOece esCeer kes keeheexjs $e+efCeeeW kees lJeefjle ieefle mes esef[ heoeve kejves
SJeb Fme #es$e ceW efJeMes<eerke=le MeeKeeDeeW kes ceeOece mes keejesyeej Je=ef keer
eq mes yeQke ves Ske veee keejesyeej Jee|keue DeLee&le efce[ keeheexjs
mesieceW DeejbYe efkeee nw. efce[ keeheexjs $e+efCeeeW keer DeeJeMekeleeDeeW keer
hete|le kes efueS keseqvle keejesyeejer eq kes heeespeve mes Deehekes yeQke ves
(heLece ejCe ceW) osMeYej ceW 16 efce[ keeheexjs MeeKeeSb Keesueer nQ. Fmekee
GsMe keeheexjs efJeeere mesJeeDeeW (meerSHeSme) kes ceeOece mes ye[s keeheexjs
keejesyeej leLee efce[ keeheexjs MeeKeeDeeW kes ceeOece mes ceOece keeheexjs
keejesyeej heehle kejvee nw, efpememes efke legueve-he$e kes Deboj SJeb legueve-he$e
kes yeenj kes keejesyeej mes heehle Deee kees DeefOekelece efkeee pee mekes.
efJeeere Je<e&-12 kes yepe Yee<eCe ceW efJee ceb$eer keer Iees<eCee kes Deveghe
Deehekes yeQke ves osMe kes heLece FbHeem^keej [s Heb[ cewmeme& FbHee [s efue.
kee heJele&ve efkeee nw efpememes efke FbHeem^keej #es$e kees oerIee&JeefOe [s Heb[
heehle kejves ceW megefJeOee nes.
Kegoje keejesyeej
peceekelee&DeeW kees Deeke<e&ke heefleHeue osves leLee Deeeqmle-oselee heyebOeve
(SSueSce) ceW megOeej ueeves kes heeespeve mes Deehekes yeQke ves 25 HejJejer,
2013 kees ye[ewoe [yeue Oeceekee veece mes Ske ceereeoer pecee Glheeo
leweej efkeee nw efpemekes Debleie&le meele Je<e&, ceen Deewj 5 efove kes efueS
9.34% keer oj mes yeepe heoeve efkeee peelee nw.
Deehekes yeQke ves DeeJeeme $e+Ce kes efueS DeefOekelece Deeeg meercee 65 mes ye{e
kej 70 Je<e& kej DeeJeeme $e+Ce Glheeo ceW ye[e heefjJele&ve efkeee nw leLee
ieenke keer pejleeW kees Oeeve ceW jKeles ngS hee$elee ceeveob[eW kees mejue
yevee kej Deheves Kegoje hees&Heesefueees kees cepeyetle efkeee nw. Fmeer kes meeLe
DeefOekelece egkeewleer DeJeefOe kees 25 Je<e& mes ye{e kej 30 Je<e& kej efoee nw
efpememes efke $e+Cekelee&DeeW kees uecyeer egkeewleer DeJeefOe heehle nesleer nw. en Yeer
efveCe&e efueee ieee nw efke ceemj ieghe heme&veue Skemeer[W hee@efuemeer kes
Debleie&le DeeJeeme $e+Ce GOeejkelee&DeeW kees yeercee keJej heoeve efkeee peeS.
SceSmeSceF& keejesyeej
Deehekes yeQke ves SceSmeSceF& keejesyeej kees ieefle heoeve kejves keer eq mes
FvhemLe (veF& efouueer), DeeCebo, Yeesheeue, petveeie{ Deewj peeuebOej ceW -5veF& SmeSceF& ueesve Hewkejer Keesueer nQ efpememes mebhetCe& Yeejle ceW SmeSceF&
ueesve HewkeefjeeW keer mebKee -52- nes ieF& nw. yeQke eje ueesve Hewkejer keer
Meeveoej mebkeuhevee DeejbYe kejves kee heeespeve yesnlej iegCeJeeehetCe& $e+Ce
cetueebkeve, keeee&vJeeve ceW vetvelece mecee leLee yesnlej cee$ee megefveeqele
kejvee nw efpememes efke Deehekee yeQke esef[ iegCeJeee kes meeLe mecePeewlee
efkeS efyevee SceSmeSceF& ueeseE[ie ye{e mekes.
Fmekes meeLe ner SceSmeSceF& efJeehees<eCe kes #es$e ceW yeQke keer yeeb[ efJe
megOeejves kes heeespeve mes yeQke ves efJeeere Je<e& 2013 ceW keF& heoMe&efveeeW SJeb
mesefceveejeW ceW meefee he mes Yeeie efueee. meeLe ner ye{eslejer hetCe& eeme
meseEueie, mLeeveere yew"keW leLee je^ere SJeb jepe mlej hej keejesyeejer mebIeeW
(efvekeeeeW) kee meceeJesMe kejles ngS mebhetCe& ieenke mebyebOe efJekeefmele kejves
kes heeespeve mes yeQke ves Ske peeiekelee keee&ece Deeeesefpele efkeee.
SmeSceF& ueesve HewkeefjeeW mes mecye heesmeseEmeie SJeb ceekexeEie DeefOekeeefjeeW
kee %eeve SJeb keewMeue Dehe[s kejves kes efueS Deehekes yeQke ves yeee heefMe#eCe
kes meeLe-meeLe heefMe#eCe kesveW SJeb Deheves meHe kee@uespe ceW efJeMes<e
hee"eece eueeS. yeQke ves SceSmeSceF& $e+efCeeeW kes efueS Dee@veueeFve $e+Ce
DeeJesove DeejbYe efkeee leLee efJeeere Je<e& 13 kes oewjeve Yeejle Yej ceW
efJeefYeVe GeesieeW mes mebyebefOele #es$e-efJeefMe keF& eespeveeDeeW kee veJeerkejCe
efkeee nw. Fmeves peveJejer-ceee&, 2013 kes oewjeve SceSceF& ueesve Hewkejer]pe
Deewj MeeKeeDeeW kees veS keejesyeej pegeves kes heeespeve mes Dehevee heeeme
ogiegvee kejves nsleg SceSmeSceF& GlmeJe ceveeee.
heeLeefcekelee heehle #es$e
Deehekes yeQke ves efJeeere Je<e&-13 ceW ieeceerCe SJeb ke=ef<e yeQeEkeie kes #es$e ceW
GYejles ngS DeJemejeW kee ueeYe G"eves keer eq mes efJeefYeVe keee&veerefleeeb
DeheveeF&. FveceW mes efvecveefueefKele hecegKe nQ. ke=ef<e DeefieceeW kees cepeyetle
kejves kes efueS Deehekes yeQke ves Hemeue $e+Ce kes Debleie&le KejerHe SJeb jyeer
pewmes efJeMes<e DeefYeeeve eueeS efpemekes Debleie&le eceMe `.5,284 kejes[
SJeb `.2,262 kejes[ keer jeefMeeeW kee mebefJelejCe efkeee ieee. efveJesMe
esef[ kes Debleie&le otmeje DeefYeeeve eueeee ieee efpemeceW `.1,096 kejes[
keer jeefMe kee mebefJelejCe efkeee ieee. yeQke ves efJeeere Je<e& 13 kes oewjeve
4,245 ieece mlej Hej esef[ keQhe Yeer Deeeesefpele efkeS Deewj `.2,922.48
kejes[ keer jeefMe kee mebefJelejCe 2,06,375 $e+efCeeeW kees efkeee. Fmeves
Yeejle Yej ceW 450 Gve efJeefMe (Lem) MeeKeeDeeW kee eeve efkeee
efpevekee ceee&,2013 Deble leke kegue ke=ef<e yekeeee ceW 36% eesieoeve jne.
Fmemes DeueeJee Fmeves efJeefMe #es$eeW kees Oeeve ceW jKekej mLeeveere
DeeJeMekeleeDeeW kes Deveghe eespeveeSb leweej keer nQ, efJeMes<e he mes Gve
mLeeveeW kes efueS peneb keesu[ mesjspe, hee@u^er etefvedme, efHeMejer Fleeefo
ieefleefJeefOeeeW keer yengleeele nQ. DeefOekelece keejesyeej heehle kejves keer eq
mes Fve eespeveeDeeW kes Debleie&le yeepe oj, heYeejeW Deeefo ceW efjeeeleW heoeve
keer ieF&.
Deehekes yeQke ves ke=ef<e Debleie&le $e+Ce DeeJesoveeW keer heesmeseEmeie ceW MeeKeeDeeW keer
o#elee ye{eves kes efueS mJe-$e+Ce heesmeseEmeie leb$e DeejbYe efkeee nw leeefke
efkemeeveeW kees heee&hle cee$ee ceW SJeb mecee hej esef[ megefJeOeeSb heehle nes
peeSb.
efJeeere meceeJesMeve
Deehekee yeQke mejkeej keer hele#e ueeYe DeblejCe ([eryeerer) eespevee ceW
meefee he mes Yeeie ues jne nw. en efJeMes<e he mes 45 DeieCeer efpeueeW kee
oeefelJe mebYeeue jne nw. Fmeves DeeOeej Yegieleeve mebheke& leb$e (SheeryeerSme)
kee heefjeeueve DeejbYe kej efoee nw efpemekes Debleie&le DeeOeej vecyej kes
Devegmeej efnleeefOekeeefjeeW kes KeeleeW ceW meerOes ner ueeYe Debleefjle kej efoS
peeles nQ. DeeOeej-me#ece Yegieleeve leb$e (SF&heerSme) kee heeesie kejles ngS
uesveosveeW kees cepeyetleer heoeve kejves kes heeespeve mes, efpemekes Debleie&le efkemeer
yeQke kes efyepevesme kejesmeheeW[s kes ceeOece mes efyeeer kesv DeLee&le heerDeesSme
(ceeFees SerSce) eje Dee@veueeFve Deblej heefjeeueveeesie efJeeere uesveosve
keer Devegceefle heehle nesleer nw, Deehekes yeQke ves Fmes ceOe ceF& 2013 ceW
heefjeeueveeesie yevee efoee nw.
Deehekee yeQke efJeeere meceeJesMeve kes efueS njmebYeJe heeeme kejlee jne nw.
Fmeves ieeceerCe heefjeeueve ceW 170 MeeKeeSb Keesueer nQ efpeveceW mes efJeeere Je<e&
13 kes oewjeve 101 MeeKeeSb Gve ieeceerCe kesveW ceW Keesueer ieF& peneb yeQkeeW
keer MeeKeeSb veneR LeeR. Fmeves Deeueese Je<e& kes oewjeve osMe Yej ceW -2695Deu^e mceeue MeeKeeSb Keesueer nQ. cevejsiee uesve osveeW kes efueS Deehekes yeQke ves
jepemLeeve jepe kes meebieevesj yuee@ke ceW Ske heeeue heespeske DeejbYe
efkeee nw efpemeceW `.86.54.676/- keer jeefMe kes 9,593 uesve osveeW kees
heesmesme efkeee ieee.
Deehekes yeQke ves SheeryeerSme kes Debleie&le 1,31,735 DeeOeejkee[eX kees mebye
efkeee Deewj 6,635 efnleeefOekeeefjeeW kees `.49,01,659 kee esef[ heoeve
efkeee.
metevee heeweesefiekeer mebjevee
Jewkeequheke ef[ueerJejer ewveueeW kees ueeskeefhee yeveeves kes heeespeve mes Deehekes
yeQke ves Deheves Fbjves yeQeEkeie DeLee&le ye[ewoe keveske (efjsue hees&ue) kes
he SJeb JeJenej kees heeesee Devegketue yeveeee nw. Fmekes DeueeJee Deehekes
yeQke ves Fbjves yeQeEkeie ewveume kes Debleie&le veF& veF& megefJeOeeSb heoeve kejvee
peejer jKee nw. Je<e& kes oewjeve Deve ye{eS ieS Heereme& ceW efJeefYeVe jepeeW
kes kejeW kee Yegieleeve, heeqece yebieeue keer mejkeejer jepemJe heeeqhle (efiehme)
kee SkeerkejCe, $e+Ce KeeleeW kees esef[ heoeve kejvee, efyeue Yegieleeve,
heOeeveceb$eer jenle kees<e kees Dee@veueeFve oeve, F&-yeQeEkeie kes ceeOece mes
2012-13
Yeejleere peerJeve yeercee heerefceece kee Yegieleeve, F&-yeQeEkeie mes lJeefjle Yegieleeve
mesJeeSb (IMPS) kees pees[e ieee. Je<e& kes oewjeve Deehekes yeQke keer Fbjves
yeweEkeie megefJeOee meYeer mcee& Heesvme/wyeuesdme hej heoeve kej oer ieF& nw.
efpememes Fmekes ieenkeeW kees keneR-mes-Yeer-yeQeEkeie megefJeOee kee ueeYe heehle nes.
efJeeere Je<e& 13 kes oewjeve Fbjves yeQeEkeie megefJeOee -13- efJeosMeer #es$eeW,
eLee-lebpeeefveee, egieeb[e, kesvee, cee@efjMeme, mesMeume, yeeslmeJeevee,
vetpeerueQ[, etSF&, efHepeer ceW Yeer heoeve kej oer ieF& nw leLee etkes, Deesceeve
SJeb Ieevee ceW uesve osve DeeOeeefjle leLee Deem^sefueee ceW heoMe&ve (Jet)
DeeOeeefjle Fbjves yeQeEkeie heejbYe keer ieF& nw. Deehekes yeQke eje heeeesefpele
meYeer #es$eere ieeceerCe yeQkeeW ceW heoMe&ve (Jet) DeeOeeefjle Fbjves yeQeEkeie
DeejbYe kej oer ieF& nw. Fbjves yeQeEkeie ceW megj#ee SJeb Yejesmee ye{eves keer
eq mes Deehekes yeQke ves OeesKeeOe[er heyebOeve leb$e meesuetMeve Dehevee kej
megj#ee Heereme& kees cepeyetle yeveeee nw efpemeceW Yeejle ceW oes Hewkej
heceeCeerkejCe leLee efJeosMeer #es$eeW pewmes etSF&, etkes, vetpeerueQ[, kesvee SJeb
egieeb[e ceW Deejkees Deeserheer, hegue Deeserheer SJeb SmeSceSme Deeserheer kees
me#ece kej -5- Hewkej heceeCeerkejCe Meeefceue efkeS nQ.
ieenkeeW eje ceesyeeFue yeQeEkeie kes Fmlesceeue kees heeslmeeefnle kejves keer eq
mes yeQke ves keF& veS keoce G"eS nQ pewmes DeeeSceheerSme DeLee&le FceerefpeS
hesceW mee|Jeme (legjble Yegieleeve mesJee) heme&ve g DekeeGb (heer2S) efveefOe
DeblejCe, yuewkeyesjer, Sb[jeF[, eEJe[espe kes meeLe meeLe meYeer DeeeHeesve leLee
Deeehew[ ceW ceesyeeFue yeQeEkeie Devegheeesie keer megefJeOee, Sveetetheer (vesMeveue
etveerHeeF etSmeSme[er huesHeece&) megefJeOee. Fmekes meeLe ner Deehekee yeQke
DeeeSceheerSme kes Debleie&le heer2Sce (heme&ve g ceeX) efveefOe DeblejCe megefJeOee
Yeer keeee&eqvJele kej jne nw Deewj Fbef[ee Hem& ueeFHe FbMeesjWme Fmekee
henuee ceeX yeveeee ieee nw. Deehekes yeQke eje eEJe[espe 8 kes efueS
ceesyeeFue yeQeEkeie megefJeOeeSb, egieeb[e leLee etSF& Deeefo ceW ceesyeeFue yeQeEkeie
kee keeee&vJeeve Yeer hemleeefJele nw. Deehekes yeQke eje yeQke kes heeeesefpele
#es$eere ieeceerCe yeQkeeW ceW ceesyeeFue yeQeEkeie keeee&eqvJele kejves nsleg keoce
G"eS ieS nQ.
Deehekes yeQke kes SerSce eqmJee kees Ge Jeme&ve ceW Deheies[ efkeee ieee leLee
keF& efJeMes<eleeDeeW mes ege ne[&Jesej Deheies[sMeve Yeer efkeee ieee leeefke
Fmekee keee&efve<heeove DeefOeke yesnlej nes, SerSce mebJeJenej lespe ieefle mes
mebYeJe nes leLee SerSce efJemleej ceW Deemeeveer jns. SerSce eqmJee kees Yeejle,
etSF&, Deesceeve, ceejerMeme, lebpeeefveee, yeeslmJeevee, ef$eefve[e[ SC[ syeeiees
leLee vetpeerueQ[ ceW Deheies[ efkeee ieee. Je<e& kes oewjeve Deehekes yeQke eje
keF& ieenke keseqvle keoce G"eS ieS pewmes hes SerSce kee[&, hes heerDeesSme
SJeb hes efkemeeve esef[ kee[&, yeeGve uesyeue SerSce, Fbef[ee Hem& ueeFHe
FbMeesjWme heeefuemeer OeejkeeW kes efueS SerSce kes ceeOece mes yeercee heerefceece
kee mebienCe, SerSce mebJeJenejeW keer jmeeroW efnvoer ceW eEhe kejvee. #es$eere
Yee<eeDeeW eLee iegpejeleer, ceje"er leLee leefceue ceW SerSce meerve keer
megefJeOee, eqyeeefOele ueesieeW kes efueS yeesueves Jeeues SerSce, Yeejle ceW eqmLele
SerSce/heerDeesSme ceW OeesKeeOe[er heyebOeve meesuetMeve kee keeee&vJeeve
Fleeefo. Deehekes yeQke eje yeQke kes #es$eere ieeceerCe yeQkeeW kes efueS hes
SerSce kee[& SJeb hes kesmeermeer kee[& meHeueleehetJe&ke Meg efkeS ieS.
5
2012-13
megj#ee mebyebOeer efJeefMeleeDeeW kees meg{lee heoeve kejves kes efueS Deehekes yeQke
ceW Fbjves yeQeEkeie, SerSce Deewj heerDeesSme kes efueS OeesKeeOe[er heyebOeve
meesuetMeve keeee&eqvJele efkeee ieee. Fmekes DeueeJee Deehekes yeQke eje
Jewkeequheke ef[ueerJejer ewveueeW kes ceeOece mes efkeS ieS mecemle mebJeJenejeW
Deewj `.5,000/- Deewj Gmemes DeefOeke kes mecemle meeryeerSme mebJeJenejeW nsleg
SmeSceSme Deue& keer megefJeOee GheueyOe kejeF& ieF& nQ. Fmekes DeueeJee
Deehekee yeQke yeee eqmLele DevegheeesieeW (Smkejveue HeseEmeie SuheerkesMeve)
kee JeerSheerer (DeeflemebJesoveMeeruelee Deekeueve SJeb Yesove hejer#eCe), F&yeQeEkeie uee@ie ceeveereEjie Fleeefo efveeefcele he mes kej jne nw. eneb leke
efke Deehekes yeQke ves MeeKeeDeeW kes efueS MeeKee mlej hej mebefoiOe mebJeJenejeW
keer owefveke ceeveereEjie kes meboYe& ceW OeesKeeOe[er peesefKece heyebOeve heCeeueer
keer meneelee mes megj#ee heCeeueer kees DeefOeke meg{ efkeee nw.
ceeveJe mebmeeOeve henueW
Deehekes yeQke ves yeQke ceW Ske meefceefele SJeb Gejoeeer ceeveJe mebmeeOeve
mebmke=efle me=efpele kejves kes efueS meblegefuele keee&veerefle DeheveeF& nw, peesefke
efJekeeme kee ceeie& heMemle kejles ngS ceewpetoe mecee keer efJeefYeVe egveewefleeeW
DeLee&led Jeeheke mlej hej nesvesJeeueer mesJeeefveJe=efeeeW, ye[er mebKee ceW veF&
heefleYeeDeeW kes Deeieceve, Jeeheke heefMe#eCe DeeJeMekeleeDeeW meefnle
GejeefOekeej SJeb Glheeokelee keer egveewefleeeW kee mecegefele he mes meecevee
kej mekes.
Fve meYeer egveewefleeeW kee meecevee kejves kes efueS Ske Jeeheke ceeveJe
mebmeeOeve keee&veerefle SJeb mebjevee leweej keer ieF& nw efpemes heespeske 'mheMe&'
veece mes Ske ceeveJe mebmeeOeve heespeske kes ceeOece mes keeee&eqvJele efkeee pee
jne nw. en heespeske hetjs Geesie ceW Ske efJeefMe SJeb veJeesvces<eer mLeeve
jKelee nw.
Deehekes yeQke ves heefleYee heyebOeve heCeeueer kes eje YeefJe<e kes efueS Deieueer
hebefe kee vese=lJe efJekeefmele kejves keer efoMee ceW cenlJehetCe& keoce G"eS nQ.
en heCeeueer Deeieeceer 5 Je<eeX keer mebYeeefJele ueer[jefMehe pejleeW kes Deveghe
mebYeeJeveeDeeW mes heefjhetCe& ueer[jeW keer heneeve megefveeqele kejleer nw.
Deehekes yeQke eje efJeefYeVe mlejeW, kegMeueleeDeeW Deewj MeeKee mlejere ceeveJe
Meefe DeeJeMekeleeDeeW kes Deekeueve nsleg Ske Jew%eeefveke ceeveJeMeefe
Deeeespevee cee[ue efJekeefmele efkeee ieee nw. yeQke ves Deeieeceer keg Je<eeX kes
efueS efJeefYeVe ceeveJe mebmeeOeve keeeeX pewmes Yeleea Deeeespevee, kewefjej
heieefle, efjefeeeb leLee heomLeehevee/ lewveeleer Fleeefo kes meboYe& ceW
jCeveereflehejke keee&Meefe Deeeespevee Yeer leweej keer nw.
ye[er mebKee ceW veS Yeleea nesvesJeeues meHe kees eLeeMeerIe Glheeoke yeveeves
keer eq mes Deehekes yeQke ves Dee@ve yeese\[ie keee&ece Meg efkeee nw
efpemeceW keeee&lceke leLee meebmke=efleke mJehe oesveeW hekeej kes IekeeW kee
meceeJesMe nw efpememes Jes keee&oeefelJeeW kes efueS lelkeeue leweej jnW leLee Gvns
yeQke keer keee&-mebmke=efle mes leeuecesue efye"eves ceW ceoo efceues.
Ske Deve hecegKe veJeesvces<eer keee& kes he ceW Deehekes yeQke leLee ye[ewoe
ceefCeheeue iueesyeue SpegkesMeve eje ye[ewoe ceefCeheeue mketue Dee@]He yeQeEkeie
6
keer mLeehevee keer ieF& nw pees efke Deehekes yeQke ceW yeQeEkeie kewefjej DeheveevesJeeues
efJeeee|LeeeW kees heefMe#eCe oslee nw, en Hem& [s, Hem& DeeJej Glheeokelee
cee[ue hej DeeOeeefjle nw. efJeeee|LeeeW kees Ske Je<e& kee ienve heefMe#eCe efoee
peelee nw. en heefMe#eCe keee&ece, yeQke keer DeeJeMekeleeDeeW kes Deveghe
leweej efkeee ieee nw Deewj efJeeee|LeeeW kees yeQke ceW heesyesMevejer DeefOekeejer kes
he ceW meceeefnle kejves mes hetJe& GvnW yeQeEkeie SJeb efJee ceW heesm iespegS
ef[hueescee heoeve kejlee nw.
peesefKece heyebOeve
meg{ SJeb "esme Je=ef megefveeqele kejves kes efueS yeQke ves Ske meg{ peesefKece
heyebOeve leb$e efJekeefmele efkeee nw leeefke yeQke eje peesefKeceeW kee Gefele he
mes cetueebkeve Deewj efvejblej ceeveereEjie keer pee mekes. Deehekes yeQke kes
efveosMeke ceb[ue ves Ske meg{ Gece -Jeeheke peesefKece heyebOeve mebjevee kees
Deheveeee nw leeefke peesefKeceeW kees efveosMeke ceb[ue eje efveOee&efjle keer ieF&
meercee leke meerefcele jKee pee mekes.
Deehekes yeQke ves yeemeue II HesceJeke& ceW meHeueleehetJe&ke ceeFiexMeve kej efueee
nw, erej I hetbpeer keer heOeevelee kes meeLe, yeQke keer kegue hetbpeer kees osKeles
ngS Deehekes yeQke kees yeemeue III hetbpeer efveeceeW kes keeee&vJeeve ceW keesF&
keef"veeF& vener nesieer.
efJee Je<e&, 13 keer hecegKe GheueeqyOeeebegveewleerhetCe& JeJemeee heefjJesMe kes yeeJepeto, Deehekes yeQke ves meceer#eeOeerve
Je<e& kes oewjeve meblees<epeveke heefjCeece neefmeue efkeS nQ.
ceee&, 2013 kes Deble ces Deehekes yeQke kee Jewefeke JeJemeee 23.1%
(Je<e&-oj-Je<e&) keer Je=ef kes meeLe `.4,73,883 kejes[ jne. Iejsuet
peceejeefMeeeb 22.0% keer Je=ef kes meeLe `.3,41,706 kejes[ jneR,
peye efke efJeosMeer peceejeefMeeeb 26.2% keer Je=ef meeLe, .1,32,178
kejes[ jneR.
ceee&, 2013 kes Deble ceW Deehekes yeQke kes Jeweqeke Deefiece 14.2% (Je<e&oj-Je<e&) keer Je=ef kes meeLe `.3,28,186 kejes[ jns peye efke Deehekes
yeQke kes Iejsuet Deefiece 11.0% keer Je=ef kes meeLe `.2,24,294 kejes[
jns. efJeosMeer Deefiece 21.8% keer Je=ef kes meeLe `.1,03,891 kejes[
jns.
efJee Je<e&, 2013 kes oewjeve Deehekes yeQke kee efjsue $e+Ce 6.7% (Je<e&-
oj-Je<e&) keer Je=ef kes meeLe `.38,046 kejes[ jne efpemeceW ie=n $e+Ce
13.5% keer Je=ef kes meeLe `.16,045 kejes[ jne.
2012-13
efJee Je<e&, 2013 ces Deehekes yeQke kee SmeSceF& esef[ hees&Heesefueees
30.3% (Je<e&-oj-Je<e&) keer Je=ef kes meeLe `.44,974 kejes[ jne
efpemeceW ke=ef<e $e+Ce `.28,739 kejes[ jne (efJeefveeeceke heefjYee<eeDeeW
ceW heefjJele&ve kes keejCe) yeQke eje kecepeesj Jeie& kees $e+Ce 7.5% keer
Je=ef kes meeLe `.17,045 kejes[ jne.
efJee Je<e&, 2013 ceW Deehekes yeQke kee heefjeeueve ueeYe `.8,999.15
kejes[ Deewj Meg ueeYe `.4,480.72 kejes[ jne.
31 ceee&, 2013 kees hetbpeer FbHeetpeve kes yeeJepeto FeqkeJeer hej efj&ve
(DeejDeesF&) 14.59% jne.
efJee Je<e&, 2013 kes oewjeve Deehekee yeQke, Iejsuet heefjeeueveesb ceW Meg
yeepe ceee|peve 3.11% leLee Jewefeke heefjeeueveeW ceW 2.66% jKeves ceW
meHeue jne.
erce ye[ewoe kees Fve Dehes#eeDeeW kes meeLe peervee nw Deewj ceQ en kenvee
eentbiee efke nce Fvns jesceebeke egveewefleeeW kes he ceW osKeles nQ.
Deehekes yeQke keer hetbpeer meg{lee 31 ceee&, 2013 kees Fmekes 13.30%
meerDeejSDeej (yeemesue II) leLee 10.13% erej I hetbpeer mes heoe|Mele
nesleer nw.
yeQke kee heefle Mesej Depe&ve .108.84 leLee Fmekee heefle Mesej yener
cetue `.729.69 jne.
efJee Je<e&, 2013 ceW Yeejer ceboer kes yeeJepeto, efJee Je<e& 2014 ceW eqmLeefle
megOejves keer DeeMee keer peeveer nw efJee Je<e&, 14 mes meeceeve ceevemetve jnves
keer DeeMee nw peesefke ve kesJeue ke=ef<e ceW Je=ef Deefheleg Geesie kes efueS Yeer
meneeke efme nesiee. cetueeW ceW keceer pewmeer heJe=efeeeW mes efJeeere eqmLeefleee
menpe neWieer. mejkeej eje efveJesMe ceW DeJejesOe kees kece kejves kes efueS
G"eS ieS keoce leLee efveee&le ceW eqmLeefle keceesyesMe Deer nesves mes efJee Je<e&,
2013 keer leguevee ceW efJee Je<e&, 2014 ceW Deee|Leke eqmLeefle Dehes#eeke=le
yesnlej jnsieer.
YeeJeer eespeveeSb
Deee|Leke heefjJesMe ceW DeefveeqeleleDeeW kes yeeJepeto Deehekee yeQke efJee Je<e&, 14
ceW Yeer Gejesej JeJemeee efJekeeme keer efoMee ceW Deiemej jnsiee. Fmes
neefmeue kejves kes efueS Deehekes yeQke eje ueesieeW, heefeeeDeeW Deewj heeweesefiekeer
hej Oeeve keWefle kejles ngS JeJemeee JeJenej SJeb vewefleke cetue mebefnlee
kee meKleer kes meeLe heeueve efkeee peeSiee.
Deehekee yeQke meg{ leguevehe$e, Des peceeefceeCe, Ge hetbpeer heee&hlelee,
ieefleMeerue vesle=lJe leLee efJeJeskehetCe& peesefKece heyebOeve heCeeefueeeW kes yeue hej
cepeyetle eqmLeefle ceW nw.
yeQke kes keeheexjs ue#e SJeb keee&veerefle
efJee Je<e&, 14 kes efueS Deehekes yeQke kes Oese Jeekee cebs ceewpetoe eEeleeDeeW kes
meceeOeeve kees Oeeve ceW jKekej yeQke kes efueS Ske meg{ ceeie& heMemle kejves
keer eq efveefnle nw.
7
2012-13
efJee Je<e&, 2014 kes efueS yewke g yesefmeke Deehekes yeQke kee Oese Jeekee nw.
kees Fme lejn mes heefjYeeef<ele efkeee ieee nw efke heleske De#ej
Ske cenlJehetCe& yeQeEkeie keee& kees oMee&lee nw.
"BASICS"
Deehekes yeQke ves neue ner ceW oes veS JeJemeee Jeeakeume "pecee mebmeeOeve,
Oeve mebheoe heyebOeve SJeb ceekexeEie" leLee "mejkeejer JeJemeee" yeveeS nQ.
Je<e&, 14 kes oewjeve Deehekes yeQke ves Deheves ieenkeeW kees efJeemlejere yeeOee
jefnle mesJeeSb heoeve kejves keer eq mes ye[s hewceeves hej Deheves mJeebmesJee
ewveueeW ceW Je=ef kejves keer eespevee yeveeF& nw. Deehekes yeQke eje 3500
Deefleefje SerSce leLee 1500 MeeKeeDeeW ceW kewMe ef[mheQmej hueme mesuHe
mee|Jeme heemeyegke efheeEie efkeeesmke leLee 25000 heerDeesSme (hee@Fb Dee@]He
mesue) ceMeerveW ueieevee hemleeefJele nw.
yeQke keer, 100 yebe vees Skemeshme&, kewMe ef[mheWmejeW mes ege 50 mesuHe
mee|Jeme 24x7 F&-uee@yeerpe, kewMe Skemeshme&, eske ef[heesefpe ceMeerves, Fbjves
yeQeEkeie efkeeesmke, mesuHe mee|Jeme heemeyegke, efheeEie efkeeesmke leLee yeQke kes
mebheke& keWeW ceW ne@ueeFve ueieeves keer eespevee nw.
Deehekes yeQke eje kece ueeiele Jeeueer keemee peceejeefMeeeW kes mebienCe leLee
efjsue, SmeSceF& SJeb ke=ef<e $e+Ce kees meg{ kejles ngS $e+Ce mebefJeYeeie kees
meblegefuele kejves hej efJeMes<e he mes Oeeve efoee peeSiee. Deehekee yeQke iewj
yeepe ye{eves Deewj KeeeX hej efJeJeskehetCe& {bie mes efveebef$ele jKeves keer efoMee
ceW heelveMeerue jnsiee. Fmekes DeueeJee yeQke eqmuehespe kees jeskeles ngS DeMeesOe
$e+CeeW kee efJeJeskehetCe& heyebOeve kejsiee.
efJee Je<e&, 13 ceW Deehekes yeQke kee Dehes#eehetCe& eqmLej keee&efve<heeove, Fmekes
Debleefvee|nle cetue, meg{lee, Fmekeer meg{ meblegefuele heCeeefueeeW, heefeeeDeeW
Deewj ueesie, Fmekeer ieefleMeeruelee, ieenke efJeeeme Deewj mhee&lceke Meefe
kees heoe|Mele kejlee nQ eeefhe efJee Je<e&, 13 ces osMe Yej ceW vekeejelceke
Je=ef keer heJe=efeeeb jneR, Deehekee yeQke Deheveer Deeeqmle iegCeJeee hej heke[
es[s efyevee efvejblej keejesyeej efJekeeme keer jen hej Deiemej jne.
cegPes hetje efJeeeme nw Deewj cew yeQke keer YeeJeer mebYeeJeveeDeeW kes yeejs ceW
Deeemle Yeer ntb efke nce Deee|Leke ceboer kes Fme oewjs mes efvekeuekej Deewj
DeefOeke meg{ neWies leLee je^ere DeeJeMekeleeDeeW heefle DeefOeke GejoeF&
jnWies.
Deehekes yeQke keer Fme ee$ee ceW, cewb Deehekes melele meneesie SJeb mece&Leve keer
DeeMee kejlee ntb.
Sme.Sme.cetbo[e
DeOe#e SJeb heyebOe efveosMeke
2012-13
ChAiRMAn'S STATEMEnT
A Resilient
Performance through
Challenging
Times
S. S. Mundra
Chairman & Managing Director
Dear Stakeholder,
I am pleased to report that during the year 2012-13 (FY13),
Bank of Baroda not only displayed its resilience to extreme
challenges and volatilities in the Indian economy, but also
attained the leadership spot in the nationalised banking
segment in terms of overall business level.
It is appropriate at the outset to review the business
environment within which your Bank operated during the
year under review.
Economic Review
During FY13, the Indian economy witnessed the slowest
growth in a decade combined with elevated inflation. The
real GDP growth more than halved from 9.2% in Q4, FY11
to 4.5% in Q3, FY13 - the lowest in 15 quarters. The sharp
slowdown in industry and services reflected several factors
including domestic policy uncertainties, lagged impact of
earlier monetary tightening and slackening of external
demand. The moderation in agriculture growth accentuated
the growth prospects as well as inflationary expectations.
Though headline inflation (WPI-based) started moderating
in H2, FY13, from a range of 7.5-8.1% in first half of FY13
to 5.96% in March 2013, the retail (CPI-based) inflation
remained sticky at the double-digit level led by elevated food
inflation. Despite the deteriorating growth scenario, the RBI
cautiously managed the growth-inflation dynamics by
reducing the Repo Rate and SLR by 100 basis points each
and CRR by 75 basis points, albeit in a gradual fashion.
2012-13
10
2012-13
MSME Business
Financial inclusion
11
2012-13
12
2012-13
13
2012-13
14
S. S. Mundra
Chairman & Managing Director
veesefme /
2012-13
NOTICE
Sleodeje metefele efkeee peelee nw efke yeQke Dee@]He ye[ewoe kes MesejOeejkeeW keer 17JeeR
Jeee|<eke meeceeve yew"ke mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej, mesJee meove,
yeQke Dee@He ye[ewoe Meleeyoer Je<e& (2007-2008), er.heer.-1, SHe.heer. 549/1, peerF&yeer
kee@ueesveer kes heeme, Deesu[ heeoje jes[, Dekeese-Je[esoje 390020 ceW yegOeJeej
efo. 26 petve, 2013 kees heele 10.30 yepes Deeeesefpele nesieer. FmeceW efvecveefueefKele
keejesyeej mebeeefuele neWies
1.
yeQke kee 31 ceee&, 2013 kes leguevehe$e, 31 ceee&, 2013 kees meceehle Je<e& kes
ueeYe-neefve uesKee, uesKeeW ceW meceeefnle DeJeefOe kes keee&efve<heeove leLee keee&keueeheeW
hej efveosMeke ceb[ue keer efjhees& Deewj legueve-he$e SJeb uesKeeW hej uesKee hejer#ekeeW
keer efjhees& hej efJeeej-efJeceMe&, Devegceesove Je FvnW mJeerkeej kejvee.
1.
2.
2.
mLeeve : cegbyeF&
leejerKe : 13/5/13
Place : Mumbai
Date : 13th May 2013
S.S. Mundra
Chairman and Managing Director
15
2012-13
efHHeefCeeeb / NOTES
1.
1.
yew"ke ceW Yeeie uesves Deewj cele osves kes efueS hee$e MesejOeejke yew"ke ceW Yeeie uesves
Deewj cele osves kes efueS Deheves mLeeve hej heek@ emeer efveege kej mekesiee / mekesieer
(yeQke kes efkemeer DeefOekeejer DeLeJee kece&eejer kes DeueeJee Deve kees) Deewj en
DeeJeMeke vener nesiee efke efveege heek@ emeer yeQke kee Mesej Oeejke nes. heek@ emeer kee
keesF& Yeer efJeuesKe leYeer JewOe ceevee peeSiee, peye Jen Jeee|<eke efjhees& kes meeLe Yespes
ieS Heece& ``yeer'' ceW Yeje ieee nes. Ge heek@ emeer leYeer heYeeJeer ceeveer peeSieer eefo en
yew"ke keer leejerKe mes kece mes kece 4 efove hetJe& DeLee&le 21 petve, 2013 kees meebe
5.00 yepes leke ee Gmemes hetJe& yeQke Dee@H] e ye[ewoe, kesJeeemeer SC[ SSceSue
efJeYeeie, 8Jeeb leue, metjpe hueepee-I, meeepeeriebpe, ye[ewoe 390005 eqmLele
heOeeve keeee&uee ceW heehle nes peeSieer Deewj Fmekes meeLe cegKleejveecee DeLeJee Deve
heeefOekeej he$e keer heelf e pees efke veesjer heeqyueke DeLeJee ceefpem^s eje meleeefhele
nes, kees Yeer meeLe ceW Yespee peeSiee, eefo Ge cegKleejveecee DeLeJee Deve
heeefOekeej he$e hetJe& ceW yeQke ceW pecee Deewj hebpeerke=le ve efkeee ieee nes.
2.
3.
2.
3.
16
4.
yeQke kes MesejOeejkeeW kee jefpemj leLee Mesej DeblejCe jefpemj 15 petve,
2013 mes 26 petve, 2013 leke (oesveeW efove meefnle) Jeee|<eke meeceeve yew"ke
leLee Je<e& 2012-13 kes ueeYeebMe Yegieleeve kejves kes GsMe mes yebo jnsiee.
5.
Appointment of Representative:
No person shall be entitled to attend or vote at the meeting
as a duly authorized representative of a Company unless a
copy of the resolution appointing him as a duly authorized
representative, certified to be true copy by the Chairman
of the meeting at which it was passed shall have been
deposited at the Head Office of the Bank at the address
given above, not later than four days before the date of
meeting i.e. on or before the closing hours of the Bank at
5.00 p.m. on 21st June 2013.
MesejOeejkeeW keer megeJf eOee nsleg Fme efjhees& kes meeLe GheeqmLeefle heeea men heJesMe
he$e mebueive nw. MesejOeejkeeW mes DevegjesOe nw efke GheeqmLeefle heeea Yejkej Deewj
GmeceW oMee&S ieS mLeeve hej Deheves nmlee#ej kejkes, Fmes yew"ke mLeue hej meeQhe
oW. MesejOeejkeeW kes heek@ emeer / heelf eefveefOe kees GheeqmLeefle heeea hej eLeeeqmLeefle ``hee@
kemeer'' ee ``heelf eefveefOe'' pewmeer Yeer eqmLeefle nes, Debekf ele kejvee eeefnS.
4.
Appointment of Proxy
5.
Payment of Dividend :
The Board of Directors of the Bank in its meeting held on
13th May 2013 has recommended dividend @ Rs. 21.50
(Rupees Twenty One and paise Fifty only) per equity
share of Rs.10/- each fully paid up, for the financial year
ended 31st March 2013. Dividend as recommended by
the Board of Directors and approved at the 17th Annual
General Meeting will be paid as under:
a)
Ke)
ie)
6.
Ke)
ie)
7.
8.
2012-13
6.
7.
b)
c)
b)
c)
Consolidation of Folios:
The Members holding shares in physical form in identical
order of names in more than one account are requested to
intimate to the Banks Registrar and Share Transfer Agent,
the ledger folio of such accounts together with the share
certificates to enable them to consolidate all the holdings
into one account. The share certificates will be returned
to the members after making necessary endorsement in
due course.
8.
17
2012-13
10.
ueeYeebMe Keeles" ceW Debleefjle jeefMe Deewj DeblejCe keer leejerKe mes meele Je<e&
keer DeJeefOe es DeoeJeeke=le /Deheoe jeefMe kees kebheveer DeefOeefveece, 1956 keer
Oeeje 205 (meer) keer Ghe Oeeje (I) kes Debleie&le mLeeefhele efveJesMeke efMe#ee Deewj
mebj#eCe efveefOe ceW Debleefjle efkeee peevee Dehese#f ele nw. Fme jeefMe kee Gheeesie
kebheveer DeefOeefveece, 1956 keer Oeeje 205 meer kes Debleie&le GequueefKele GsMe mes
leLee eLeeefJeefOe efkeee peeSiee Deewj Gmekes heeele Fme mebyebOe ceW Yegieleeve kes efueS
keesF& oeJee yeQke kees ee efveefOe kees hemlegle veneR efkeee peeSie.
11.
18
9.
2012-13
Deehekes efveosMeke ieCe yeQke keer 105 JeeR Jeee|<eke efjhees& kes meeLe 31 ceee&, 2013
kees meceehle Je<e& (efJeeere Je<e& 13) kes uesKee-hejeref#ele legueve he$e, ueeYe-neefve uesKee
Deewj JeJemeee SJeb heefjeeueve mebyebOeer efjhees& men<e& hemlegle kej jns nQ.
keee&efve<heeove
2012-13
20
2012-13
hej GheueyOe neW. DeeeqmleeeW kees MeerIe SJeb vetvelece cetue eme mes lejuelee ceW
yeoueves keer #ecelee kees heYeeefJele kejves Jeeueer yeepeej keer eqmLeefleeeW kee
efveOee&jCe ve kej heeves Je Gvekee meceeOeeve ve {tb{ heeves mes lejuelee peesefKece nes
mekelee nw. Deehekes yeQke ceW lejuelee peesefKece kees owefveke DeeOeej hej lejuelee
Deblejeue eqmLeefleeeW kes efueS efveOee&efjle megj#eelceke meercee kes Deveghe Heuees
heefle mes Deekeefuele Je ceeefvej efkeee peelee nw. meeLe ner Deeieeceer leerve ceen
kes efueS ieefleMeerue Deblejeue efjhees& kes eje ieefleMeerue DeeOeej hej heeef#eke he
ceW lejuelee keer eqmLeefle kee Deekeueve efkeee peelee nw. lejuelee keer iegCeJeee
kee hejer#eCe meHe Sheese kes lenle efJeefYeVe DevegheeleeW kes eje efkeee peelee nw
efpemeceW Deveske megj#eelceke meerceeSb pewmes owefveke DeeOeej hej $e+Ce osvee, owefveke
DeeOeej hej $e+Ce uesvee, Meg DeuheeJeefOe $e+Ce uesvee Deewj Meg $e+Ce ieenke
pecee Devegheele Deewj cetue Deeeqmle Devegheele owefveke DeeOeej hej Deekeefuele efkeS
peeles nw. meHe Sheese meerceeDeeW kee Devegheeueve en megefveeqele kejlee nw efke
yeQke ves Deheveer lejuelee kee Gefele JewefJeefOekejCe mes heyebOeve efkeee nw Deewj ieee
meercee ceW jKee nw.
lejuelee peesefKece, lejuelee keer ueeiele, efveeespeve keer mebYeeJeveeSb Deewj Gme hej
heefleHeue, GheueyOe DeekeeqmcekeleeSb Deeefo keer ceeveeEjie Deeeqmle oselee meefceefle
eje keer peeleer nw. FmeceW ceneheyebOeke SJeb keee&heeueke efveosMeke Meeefceue nQ
Deewj efpemekeer DeOe#elee DeOe#e SJeb heyebOe efveosMeke eje keer peeleer nw.
megj#eelceke meerceeSb efJeefYeVe efveeefcele Deewj efJeMes<e efjhees& kes ceeOece mes
Deeukees eje ceeefvej keer peeleer nQ.
$e+Ce peesefKece
$e+Ce peeseKf ece Ssmes peeseKf ece nQ efpemeceW menceefle keer MeleeX kes Deveghe efkemeer
keeGbj heeea eje oseleeDeeW keer hetel| e nsleg me#ecelee ceW keceer DeLeJee Deefvegke
nesves mes yeQke kes efueS neefve keer mebYeeJevee efveefnle nesleer nw. Deehekes yeQke ceW $e+Ce
peeseKf ece megmhe he mes yeveeS ieS Hes ceJeke& mes JeJeeqmLele efkeS peeles nQ, efpemeceW
veerelf eeeW, heef eeeDeeW Deewj efjheese\ ie kee meceeJesMe nw. es Debleje&e^ r e heefleeeW
kes Deveghe peeseKf ece uesves JeeueeW Deewj veerelf e yeveeves JeeueeW kes yeere megmhe Deblej
efJeeceeve nw. Fmekes DeueeJee yeQke ves peeseKf ece DeeOeeefjle GOeej osves keer Meefeeeb
heleeeesepf ele keer nw efpemeceW kece peeseKf ece Jeeues hemleeJees ceW $e+Ce heoeve kejves keer
Gelej efJeJeskeeOeerve Meefeeeb heoeve keer ieF& nw. peneb yeQkeeW kee Skemeheespej
DeefOeke nw Gve GeesieeW ceW ceewpeto peeseKf ece kes Deekeueve nsleg yeQke eje GeesieeW kee
DeOeeve efkeee peelee nw leLee veS GeesieeW kes meboYe& ceW Yeer en DeOeeve efkeee
peelee nw. Geesie- efjheesX yeQke kes Heeru[ mlejere ueesieeW kees mebhees <f ele keer peeleer nw
leeefke GeesieeW kees GOeej osles mecee Fvekee Gheeesie efkeee pee mekes. leLeeefhe,
DeefJeJeskehetCe& eqmLeefle mes yeeves kes efueS yeQke ves meYeer GeesieeW, #es$eeW Deewj GOeejkelee&DeeW
hej he[t eW Mf eeue kewhe keer JeJemLee keer nw.
Deehekes yeQke ves 2007 ceW Ske meblegeuf ele oes Deeeeceer esef[ jseE ie heCeeueer DeheveeF&
nw Deewj esef[ jseE ie hej 6 Je<e& kee [ee leLee GOeejkelee& jseE ie ceeFieMs eve leweej
kej efueee nw. Fme leweejer kes HeuemJehe nceejs yeQke ves Yeejleere efjp] eJe& yeQke mes
yeemesue-II efveeceeW kes Debleie&le $e+Ce peeseKf ece HeeGv[sMeve Fbjveue jseE ie DeeOeeefjle
eqkeesCe (SHeDeeeDeejyeer) ceW ceeFies kejves nsle DeeJesove efkeee nw.
SHeDeeeDeejyeer keeee&vJeeve Deehekes yeQke kees peeseKf ece DeeOeeefjle cetue efveOee&jCe,
heesH& eeseuf eees efvecee&Ce Deewj efjmke efHekeMesmeve SheereF keer eq mes Deheves
JeJemeee kees Deewj DeefOeke JeJeeqmLele SJeb DeleeOegevf eke lejerkes mes mebeeefuele kejves
kes efueS leweej kejsiee.
yeepeej peesefKece
yeepeej peesefKece yeepeej ojeW Deewj cetueeW ces heefleketue heefjJele&veeW kes keejCe
Depe&ve DeLeJee Deee|Leke cetue ces nesves Jeeueer neefveeeW kes he ceW neslee nw.
yeepeej peesefKece kes eesle efvecveefueefKele nes mekeles nw-
21
2012-13
yeepe oj peesefKece heefleHeue keJe& ceW heefjJele&veeW, $e+Ce mhes[ Deewj yeepe
ojeW ceW DeeqmLejlee mes hewoe nesves Jeeues peesefKece.
cege efJeefvecee oj peesefKece efJeefvecee ojeW ceW heefjJele&ve Deewj yeepe ojeW
ceW DeeqmLejlee mes keejCe hewoe nesves Jeeues peesefKece.
FeqkeJeer cetue peesefKece FeqkeJeer kes cetueeW, FeqkeJeer mebkeslekeeW, FeqkeJeer
yeemkes ceW heefjJele&ve leLee meke ceekex ceW DeeqmLejlee kes keejCe hewoe
nesves Jeeues peesefKece.
keerceleeW ceW heefjJele&ve Deewj DeeqmLejlee kes keejCe Yeer yeepeej peeseKf ece hewoe nesles nQ
leLeeefhe Deehekes yeQke kee eEpeme mebyebeOf ele yeepeejeW ceW keesF& Skemeheespej vener nw.
yeQke ves Deheves ^spejer keeeeX kes efveeb$eCe Deewj Gvekeer efveiejeveer nsleg mhe veerefle
yeveeF& nw. Fve veerefleeeW ceW heyebOeve heefleeeW, heefeeeDeeW, efJeJeskemeccele $e+Ce
meerceeDeeW, meceer#ee heCeeueer Deewj efjheese\ie heefleeeW kee meceeJesMe nw. efJeeere
Deewj yeepeej eqmLeefleeeW ceW heefjJele&ve kes Deveghe Fve veerefleeeW ceW DeeJeefOeke he
mes mebMeesOeve efkeee peelee nw.
yeepe oj peesefKece kee Deekeueve yeepe oj DeeqmLejlee Devlejeue efjhees& leLee
peesefKece Deee kes DeeOeej hej efkeee peelee nw. Fmekes DeueeJee yeQke ceeefmeke
DeeOeej hej DeJeefOe, mebMeesefOele DeJeefOe, efveJesMe hees&HeesefueeeW kes peesefKece
cetue, efpemeceW mLeeeer Deee heefleYetefleeeb, FeqkeJeerpe leLee efJeosMeer cege
heespeerMeve Meeefceue nw, keer ieCevee kejlee nw. yeQke, DeuheJeefOe yeepe oj
peesefKece keer cee@efveeEjie, Meg yeepe Deee (SveDeejDeeF&) leLee oerIe& DeJeefOe
yeepe peesefKece keer cee@efveeEjie, FeqkeJeer kes Deee|Leke cetue (F&JeerF&) kees Oeeve
ceW jKeles ngS kejlee nw. ^spejer kes meboYe& ceW Jesuet S efjmke keer ieCevee 99%
kee@veefHe[Wme uesJeue hej 10 efove keer neseu[ie DeJeefOe kes DeeOeej hej keer peeleer
nw. DeeqmLejlee efJeMues<eCe leLee FeqkeJeerpe kes ceeOece mes eqmLej yeepe efveJesMe
hees&HeesefueeeW keer m^sme peebe heefjeqmLeefleiele efJeMues<eCe kes ceeOece mes efveeefcele
he mes keer peeleer nw.
Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DeeOeej hej Deehekes yeQke eje
"FeqkeJeer heYeeJe kes Deee|Leke cetue" kee efleceener DeeOeej hej Deekeueve Yeer
efkeee peelee nw.
heefjeeueve peesefKece
heefjeeueve peeseKf ece Ssmee peeseKf ece nw pees Deheee&hle DeLeJee DemeHeue Deebleefjke
heefjeeueve, heef eee, ueesieeW leLee heCeeefueeeW DeLeJee yeenjer IekeeW mes neefve kes
keejCe neslee nw efpemeceW efJeefOeke peeseKf ece Yeer Meeefceue nw. Deehekes yeQke keer peeseKf ece
heyebOeve meefceefle heef eeeDeeW kee efveOee&jCe/mebMeesOeve kejkes, efveeb$eCe jKekej leLee
Yetecf ekee Deewj GejoeefelJeeW kees hegve heefjYeeef<ele kejkes heefjeeueve peeseKf eceeW hej
efveiejeveer jKeves SJeb Gvns efveeb$eCe ceW jKeves keer efpeccesJeejer Jenve kejleer nw.
Deehekes yeQke ceW yewke keer meblegeuf ele efvejer#eCe SJeb uesKee hejer#eCe heCeeueer eje en
megevf eeqele efkeee peelee nw efke yeQke kes Deebleefjke efoMee-efveoxMeeW, veerelf eeeW Deewj
heef eeeDeeW kee heeueve efkeee pee jne nw.
Deehekee yeQke, Deheves heefjeeueve peeseKf eceeW kees peeveves, ceeheves, efveiejeveer jKeves
Deewj Gefele heyebOeve kejves kes efueS Debleje&e^ r e ceevekeeW Jeeuee Gece mlej kee
mJeeeefuele Jesye DeeOeeefjle meesuetMeve mLeeefhele kejkes Ske DeleeOegevf eke heCeeueer
keeee&evq Jele kejves pee jne nw. en meesuetMeve Fme Je<e& keer meceeeqhle mes hetJe&
keeee&evq Jele nesves keer DeeMee nw Fme meesuetMeve kes keeee&evq Jele nesves mes Deehekes yeQke
kees mQ[[e&Fp[ Dehees e keer cee$eelceke SJeb iegCeelceke DeeJeMekeleeDeeW keer hetel| e
leLee yeemesue-II efveeceeW kes S[Jeebme[d cespejceW Dehees e (SSceS) kes Debleie&le
heefjeeueve peeseKf ece hetpb eer ceeheve ceW meneelee efceuesieer.
22
peye keYeer Yeer efkemeer Keeles ceW $e+Ce iegCeJeee keer #eefle DeLee&le $e+Ce jseE ie
ceW efiejeJe, Suemeer/ieejber keer oseleeDeeW kees hetje kejves ceW osjer kejves Deewj
yeepe/efkemleW Deeefo keer Deoeeieer ceW efJeuecye nesves kes mebkesle efceueles nQ lees
GvnW jeskeves kes efueS mecee hej Gheege SJeb megOeejelceke keoce G"evee.
ke"esj DevegJeleea keee&Jeener kes ceeOece mes Deeeqmle JeieeakejCe SJeb $e+Ce jseE ie
ceW Deeves Jeeueer efiejeJe kees jeskevee.
$e+Ce KeeleeW keer hegve: mebjevee/hegve: mecee efveOee&jCe/hegve: ejCeye kejves kes
efueS Gheege ceeceueeW keer heneeve kejvee meeLe ner Gheege SJeb JeemleefJeke
ceeceueeW ceW hegve: efJee heoeve kejvee. meer[erDeej ke#e leLee Debeue SJeb #es$eere
keeee&ueeeW mes mecheke& mLeeefhele kejvee.
KeeleeW keer meceer#ee SJeb efveece leLee MeleeX kes Devegheeueve nsleg DeeJeMeke
keoce G"ekej / efveeefcele he mes DevegJeleea keej&Jeener kejkes yeQke kes $e+Ce
mebeJf eYeeie keer iegCeJeee ceW megOeej ueevee.
$e+Ce jseE ie ceW megOeej kejves kes heeeme kejvee.
yeerDeeeSHeDeej kes Debleie&le KeeleeW keer heieefle hej efveiejeveer jKevee.
2012-13
efmueHespe jeskevee
Deeeqmle iegCeJeee kees megOeejves nsleg melele JeJemeee jCeveerefle kes he ceW yeQke
eje Deefiece hees&HeesefueeeW hej GeesieJeej Deewj GOeejkelee&Jeej he ceW Oeeve
keseqvle efkeee ieee leeefke Jele&ceeve eqmLeefle Deewj YeefJe<e ceW Deeves Jeeueer
mecemeeDeeW kee efJeMues<eCe efkeee pee mekes Deewj Deefiece KeeleeW ceW DemJemLelee
/ mebYeeefJele etkeeW / mebYeeJeer vetveleeDeeW keer heneeve kejkes Gefele Deewj mecee
jnles megOeejelceke Gheee kejles ngS $e+Ce iegCeJeee ceW ogye&ueleeDeeW kees jeskee pee
mekes.
Deehekes yeQke eje peveJejer, 2013 ceW ` 10 kejes[ Deewj DeefOeke Skemeheespej
Jeeues efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle Deefiece KeeleeW kes mebyebOe ceW
Ske Dee@veueeFve Jesye DeeOeeefjle mee@HeJesej ueebe efkeee ieee peesefke yeQke kes
Deeeer efJeYeeie eje efJekeefmele efkeee ieee nw Fmemes DeefieceeW kee lespe ieefle
Deewj heYeeJeer lejerkes mes cee@veereEjie Deewj eEeleeiemle KeeleeW kes mebyebOe ceW mecee
hej keej&JeeF& megefveeqele nes mekesieer.
Deehekes yeQke ves KeeleeW keer lJeefjle meceer#ee, efveece Deewj MeleeX kes Devegheeueve,
Ge cetue Jeeues Deefiece KeeleeW keer esef[ jseEie kes Deheies[sMeve Fleeefo nsleg
keej&JeeF& Meg keer nw leeefke $e+Ce mebefJeYeeie keer Deeeqmle iegCeJeee megefveeqele keer
pee mekes.
efJeeere Je<e&, 2013 kes oewjeve Deehekes yeQke ves Deheves Jewefeke heefjeeueveeW kes
efJeefYeVe Deefiece KeeleeW kee hegveie&"ve efkeee efpemekee efJeJejCe efvecveefueefKele
leeefuekee ceW efoee ieee nw-
kegue
Ieee (meseerHeeFme)
(Gefele cetue ceW eme)
$e+efCeeeW keer mebKee
yekeeee jeefMe
Ieee (meseerHeeFme)
(Gefele cetue ceW eme)
$e+efCeeeW keer mebKee
yekeeee jeefMe
Ieee (meseerHeeFme)
(Gefele cetue ceW eme)
$e+efCeeeW keer mebKee
yekeeee jeefMe
Ieee (meseerHeeFme)
(Gefele cetue ceW eme)
Deve
17,455
(` kejes[esb ceW)
kegue
18,224
2,031.92
177.42
950.61
11.05
4,533.60
124.83
7516.12
313.30
44
620
665
68.30
5.18
52.19
0.02
373.38
1.13
493.87
6.33
0
0
9
20.43
349
475.64
358
496.07
0.04
10.86
10.90
27
2,100.22
182.60
796
1,023.23
11.12
18424
5,382.62
136.81
19,247
8,506.06
330.54
23
2012-13
24
ke"esj efveJeejke kes he ceW keee& kejleer nw keeeWefke en yeQke kes uesKee hejer#ee
leb$e Deewj Fmemes Jeebefle heefjCeece heehle kejves hej Oeeve keseqvle kejleer nw.
yeQke keer meYeer MeeKeeSb peesefKece DeeOeeefjle uesKee hejer#ee (RBIA) mes keJej nQ.
efJee Je<e&-13 kes oewjeve kegue -3046- MeeKeeDeeW kee efvejer#eCe efkeee ieee.
FveceW mes -2206- MeeKeeSb (72.42%) kece peesefKece, -735- MeeKeeSb
(24.13%) ceOece peesefKece leLee -105- MeeKeeSb (3.45%) Ge peesefKece
esCeer keer LeeR. cegbyeF& eqmLele efvejer#eCe heYeeie kes Debleie&le DeeF& Sme uesKee
hejer#ee ke#e keee&jle nw Deewj en Dee@He meeF efveiejeveer kee keee& kejlee nw.
Deehekes yeQke ves efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie eje peejer ceeie&efveoxMeeW
kes Deveghe efvecveefueefKele kees keeee&eqvJele efkeee nw kesvere efvejer#eCe SJeb uesKee heYeeie leLee Debeue uesKee hejer#ee meefceefleeeW
kes keee& keer osKejsKe kes efueS ceee&, 2013 mes keee&heeueke uesKee hejer#ee
meefceefle kee ie"ve efkeee ieee nw. Fmemes heCeeefueeeW, heefleeeW SJeb
Deebleefjke ceeie&-efveoxMeeW kes Devegheeueve mlej kes hegve cepeyetle nesves keer
DeeMee nw.
Deieues efJeeere Je<e& mes efveosMeke-ceb[ue keer uesKee hejer#ee meefceefle eje
efJeefOeJele Devegceesefole mebieeceer uesKee hejer#ee veerefle, cewvegDeue SJeb mkeeseEjie
Meer leLee peesefKece DeeOeeefjle mebieeceer uesKee hejer#ee kees keeee&eqvJele
efkeee peeSiee.
efJeeere Je<e&-13 keer 709 MeeKeeDeeW keer leguevee ceW Je<e& 2013-14 kes efueS 834
MeeKeeDeeW keer mebieeceer uesKee hejer#ee kejkes Fmekee keJejspe ye{e efoee ieee nw
Deewj 31.12.2012 kes Devegmeej en yeQke kes kegue keejesyeej ceW peceejeefMeeeW kee
64.36%, kegue DeefieceeW kee 80.87% leLee kegue keejesyeej kee 71.13% nw.
Yeejleere efj]peJe& yeQke eje Jeee|<eke efJeeere efvejer#eCe 2011-12 ceW efkeS ieS
hee&Jes#eCe kes Devegmeej esef[ uesKee hejer#ee meer S DeeF& [er kes Debleie&le Ske
efJeMes<e keee& kes he ceW heesef<ele efkeee peeSiee Deewj veF& mebjevee pegueeF&, 2013
mes keee& kejvee DeejbYe kej osieer. ` 1,97,048 kejes[ keer efveefOe DeeOeeefjle
SJeb iewj-efveefOe DeeOeeefjle keejesyeej Jeeues 3504 KeeleeW kes mebyebOe ceW esef[
uesKee hejer#ee keer ieF&, efpememes ye[er jeefMe kes $e+CeeW kes mebyebOe ceW Devegheeueve
kee Ge mlej megefveeqele efkeee ieee.
meb#eshe ceW, Deehekes yeQke kee kesvere efvejer#eCe SJeb uesKee heYeeie mJeeb kes
efveosMeke-ceb[ue efveeeceke SJeb Yeejle-mejkeej eje efveOee&efjle heCeeefueeeW SJeb
heefleeeW keer heYeeJeer cee@efveeEjie kej jne nw.
9. Sve F& SHe er/ Deej er peer Sme Deej er peer Sme SJeb Sve F& SHe er
mes Oevehes<eCe kees ueeskeefhee yeveeves kes heeespeve mes yeQke-Flej ieenkeeW
(JeeeEkeie kemceme&) mes `.50,000/- leke kes efveefOe DeblejCe DevegjesOe kees
mJeerkeej efkeee peelee nw.
Fmekes DeueeJee yeQke keer JesyemeeF hej efvecveefueefKele metevee heoe|Mele keer peeleer nw
ke. efJeeere uesve osve Gve meYeer uesve osveeW kes yeejs ceW pees ` 5,000/- DeLeJee
Fmemes DeefOeke jeefMe kes nQ, Gvekes meYeer efveJeemeer yeele yeQke SJeb eeuet
KeeleeOeejkeeW leLee DeesJej[^eHe ieenkeeW kes mebyebOe ceW, efpevekes ceesyeeFue
vecyej yeQke kes meeryeerSme efmemce ceW jefpem[& nQ.
i.
ii.
iii.
efveeq<ee KeeleeW kes KeeleeOeejkeeW kees Deheves Keeles meefee kejves kes
yeejs ceW
2012-13
SerSce DemeHeue uesve osveeW kes efueS cegDeeJepee MeeKeeDeeW kees kene
ieee nw efke Jes S er Sce kes DemeHeue uesve-osveeW, vekeoer heehle ve nesves
Deeefo keer ope& efMekeeeleeW kee meceeOeeve kejW Deewj efMekeeele ope& nesves
kes meele efoveeW kes Deboj Keeles ceW jeefMe esef[ kej oW.
eefo efMekeeele kee efveJeejCe veneR efkeee ieee lees Dee"JeW efove mes yeQke
eje mJeecesJe jeefMe kes esef[ efkeS peeves leke `.100/- heefleefove kes
efnmeeye mes cegDeeJepee efoee peeSiee.
2. ce=leke KeeleeOeejke kes oeJee efveheeve kes efueS meYeer mebye heeheeW
meefnle peebe meteer
Devegheeueve
Deehekee yeQke Yeejleere yeQeEkeie kees[dme SJeb mw[[& (yeer meer Sme yeer DeeF&) kee
meome nw Deewj Fmeves yeer meer Sme yeer DeeF& ves Deiemle, 2009 ceW efveOee&efjle
ieenkeeW kes heefle heefleyelee mebefnlee kees Deheveeee nw. Fmeves ceeFees SJeb
ueIeg GeefceeeW kes heefle yeQke keer heefleyelee mebefnlee kees Yeer Deheveeee nw.
FvnW yeQke keer JesyemeeF hej heoe|Mele efkeee ieee nw Deewj ieenkeeW kees yeQke
MeeKeeDeeW kes ceeOece mes Yeer GheueyOe kejeee ieee nQ.
efJeeere Je<e& 2011 kes efueS Jeee|<eke ceewefke SJeb esef[ veerefle keer Iees<eCee kejles
ngS Yeejleere efj]peJe& yeQke kes ieJeve&j ves en hemleeJe jKee Lee efke yeQkeeW kees
Deheves efveosMeke-ceb[ueeW keer yew"keeW ceW nj ceener ceW ieenke mesJeeDeeW/ ieenkeeW
kes heefle Oeeve osves keer meceer#ee kejves kes efueS eee& kejves kes heeespeve mes
efJeMes<e mecee heoeve kejvee eeefnS. Fmekeer Devegheeuevee ceW Deehekes yeQke ves
peveJejer-petve 2012 SJeb pegueeF&-efmelebyej 2012 kes efueS eceMe efo.4 Deiemle,
2012 SJeb 3 ceee&, 2013 kees Fme hekeej oes ceener yew"keW Deeeesefpele keeR.
25
2012-13
eer Sme.Sme.cetbo[e
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
keee&heeueke efveosMeke
keee&heeueke efveosMeke
efveosMeke
efveosMeke
en Ghe-meefceefle, veerefle efveOee&jCe leLee Gvekeer Devegheeuevee mes mebyebefOele cegeW kees
osKeleer nw efpememes ieenke mesJee ceW melele megOeej neslee nw. en ce=leke
peceekelee&DeeW/ uee@kej efkejeeoejeW/ mesHe kem[er ceW meeceeve peceekelee&DeeW kes
mebyebOe ceW efveheeve nsleg Gve oeJeeW keer eqmLeefle keer cee@efveeEjie kejleer nw pees 15
efove mes DeefOeke mecee mes heWeE[ie nQ, leLee yeQeEkeie ueeskeheeue eje heeefjle
DeJee[&me kes keeee&vJeeveeW keer meceer#ee Yeer kejleer nw.
26
ieenke mesJeeDeeW kes mebyebOe ceW Deehekee yeQke Deheves efveosMeke-ceb[ue eje
Devegceesefole veerefleeeW kees Deheveelee nw Deewj en veerefleeeb Deehekes yeQke keer
JesyemeeF hej GueyOe nQ.
efJee ceb$eeuee, Yeejle mejkeej kes 11 petve, 2012 kes he$eebke [erDees
veb.1/3/2012-yeerDees-III ceW efoS ieS efveosMeeW kes Devegmeej meYeer yeQkeeW ceW
Skehelee ueeves Deewj meYeer efMekeeeleeW kee Ske kesvereke=le [seyesme leweej
kej ieenkeeW kees megefJeOee heoeve kejves keer eq mes Deehekes yeQke ves ceevekeerke=le
peveefMekeeele efveJeejCe leb$e ueeiet efkeee nw efpememes efke efMekeeelekelee&
Deheveer mecemeeDeeW kees Ske mejue SJeb Deemeeve lejerkes mes yeng-efJeefOe ewveueeW kes
eje G"e mekeW.
Fmekes meeLe ner Deehekes yeQke keer JesyemeeF kes nesce hespe hej Dee@veueeFve
kebhueWme (SmeheerpeerDeejSme) kee Deeekeve GHeueyOe kejeee ieee nw.
Deehekes yeQke keer JesyemeeF kes nesce hespe hej Dee@veueeFve kebhueWme
(SmeheerpeerDeejSme) Deeekeve GHeueyOe kejeee ieee nw.
efMekeeeleeW/ mecemeeDeeW kes jefpem^sMeve kes meeLe ner legjble Ske ^wkej
DeeF& [er pesvejs neslee nw Deewj Jen efMekeeelekelee& kes F&-cesue DeeF& [er hej
metefele kej efoee peelee nw. Fme ^wkej DeeF& [er kes DeeOeej hej ieenke
Deheveer efMekeeele/ mecemee keer Jele&ceeve eqmLeefle peeve mekelee nw.
mecemeeDeeW kes MeerIe efveJeejCe kes efueS mebyebefOele MeeKee kees ener ^wkej
DeeF&[er F&-cesue mes Yeer Yespeer peeleer nw.
mecemee kee meceeOeeve kejles mecee, mecemee efveJeejCe ceW Jeleerle efoveeW
kees Oeeve ceW jKeles ngS, Deieues Ge DeefOekeejer kees Ske mJepeefvele
SmkeeueseEie cewef^keme Yeer heoeve efkeee peelee nw.
efMekeeele yebo kej efoS peeves kes ceeceues ceW ieenkeeW kees mJepeefvele wkem
mebosMe Yespee peelee nw.
SmeheerpeerDeejSme kes keeee&eqvJele nes peeves hej oeej keer ieF& mecemeeDeeW/
efMekeeeleeW kes efveJeejCe mecee ceW Deleble keceer DeeF& nw pees efke 5 mes 7
efove Deewmele nw.
Deehekes yeQke ves meYeer Debeue keeee&ueeeW SJeb heOeeve keeee&uee ceW mecee|hele
kebhetj efmemce efkeeesmke mLeeefhele efkeS nQ leeefke ieenke Deheveer
efMekeeeleW/ mecemeeSb Dee@veueeFve ope& keje mekeW.
meceer#eeOeerve Je<e& ceW Deheveer MeeKeeDeeW ceW ieenke mesJee ceW megOeej nsleg Deehekes yeQke
ves meyemes efveeues mlej keer ieenke meefceefleeeW mes heehle Heer[yewke SJeb efJeefYeVe
DeOeeveeW/ meJex#eCeeW kes DeeOeej hej keF& ieenke keseqvle henueW SJeb Gheee efkeS nQ.
mebosnemheo uesve-osveeW kee helee ueieeves Deewj efjheeseX (SmeerDeej) kees efJeeere
DevegmebOeeve FkeeF& (SHeDeeF&et) kees hesef<ele kejves nsleg efmemce DeeOeeefjle
JeJemLee nw.
yeQke ieenkeeW kes KeeleeW kee heleske ceener ceW efmemce DeeOeeefjle peesefKece
JeieeakejCe (SSceSue GheeeeW mes) efkeee ieee nw.
yewke SHeDeeF&et DeeFSve[er, veF& efouueer kees peeueer kejWmeer veeseW keer efjhees&
(meermeerDeej) hesef<ele kejlee nw.
kes Jeee meer kes hetCe&le Devegheeueve nsleg meHe meomeeW SJeb ieenkeeW kees efMeef#ele
kejvee neslee nw efpemekes efueS yeQke ves efvecveefueefKele Gheee efkeS nQ
yeQke kes Jeefj DeefOekeeefjeeW/ keee&heeuekeeW kes efueS Yeejleere efj]peJe& yeQke,
Yeejleere yeQke mebIe (DeeF&yeerS) leLee je^ere yeQke heyebOeve mebmLeeve
(SveDeeF&yeerSce) ceW heefMe#eCe keee&ece Deeeesefpele efkeS peeles nQ.
yewke-Dee@efHeme heefjeeueve
#es$eere yewke-Dee@efHeme SJeb efmeer yewke-Dee@efHeme
Deehekes yeQke ves oes hekeej kes yewke-Dee@efHemeeW keer mebkeuheveeSb kej GvnW keeee&eqvJele
efkeee nw, eLee #es$eere yewke-Dee@efHeme (DeejyeerDees) SJeb efmeer yewke-Dee@efHeme
(meeryeerDees). DeejyeerDees Keelee Keesueves kes HeeceeX SJeb Jeweeerke=le eske yegkeeW
(heermeeryeer) keer kesvereke=le heesmeseEmeie kejlee nw. Deehekes yeQke ceW -10- DeejyeerDees nQ
pees ye[ewoe, Yeesheeue, efouueer, keesebyeetj, cegbyeF&, ueKeveT, peehegj, keesuekeelee,
hegCes SJeb peceMesohegj ceW efmLele nQ. Deej yeer Dees 2915 MeeKeeDeeW kes efueS Deuheueeiele
(keemee) Keelee Keesue jns nQ. -7- DeejyeerDees keer kesvereke=le heesmeseEmeie keee&keueeheeW
mes Deehekes yeQke kes 8 DebeueeW kee Mele-heefleMele keJejspe megefveeqele ngDee nw. Keelee
Keesueves SJeb Gvekes heyebOeve nsleg oes Deve DeejyeerDees kees DeejbYe kejves keer heefeee
Yeer DeejbYe kej oer ieF& nw efpememes efke yeQke keer Deve Mes<e MeeKeeDeeW kees DeejyeerDees
heefeee kes Debleie&le Meeefceue efkeee pee mekes.
2012-13
Deehekes yeQke keer 3908 MeeKeeDeeW kes ieenkeeW kees #es$eere yewke-Dee@efHeme (DeejyeerDees)
kes ceeOece mes Jeweeerke=le eske yegke peejer kejves keer megefJeOee heoeve keer pee jner
nw. Deehekes yeQke ves 13 ceW mes 12 DebeueeW keer meYeer MeeKeeDeeW kees en megefJeOee heoeve
keer nw. jepemLeeve Debeue keer Mes<e MeeKeeDeeW kees heermeeryeer peejer kejves keer megefJeOee
kes Debleie&le Meeefceue kej efoee peeSiee efpememes efke FmeceW mebhetCe& osMe kes ieenke
keJej nes peeSbies.
meeryeerDees meceeMeesOeve uesve osveeW DeeJeke SJeb peeJeke oesveeW leLee mejkeejer
JemetefueeeW SJeb F&meerSme uesve osveeW keer kesvereke=le DeheueeseE[ie kejlee nw. Deehekes
yeQke ceW 21 meeryeerDees (mesJee MeeKeeSb) nQ efpeveceW heleske Menj/ kesv keer MeeKeeDeeW
kee meceeMeesOeve SJeb F&meerSme keee& kesvereke=le he ceW efkeee peelee nw. meceeMeesOeve
kee kesverekejCe 64 cegKe MeeKeeDeeW (pees mLeeveere MeeKeeDeeW kee meceeMeesOeve
keee& kejleer nQ) ceW Yeer DeejbYe efkeee pee jne nw. meeryeerDees mebkeuhevee kes lenle
Deehekes yeQke keer 1372 MeeKeeSb Meeefceue kej oer ieF& nQ. efJeeere Je<e& 13 kes oewjeve
Deehekes yeQke ves cegbyeF&, Denceoeyeeo SJeb metjle ceW hetCe&le Deeescess[ eske heesmeseEmeie
efmemce DeejbYe efkeee nw.
27
2012-13
10. sefuekee@ce heWMeveme& kees heWMeve keer heesmeseEmeie SJeb Yegieleeve kes mebyebOe ceW
meerheerheermeer mLeeefhele efkeee ieee nw.
mesJee keer pejle nesleer nw. Fme hekeej Fmekeer mesJee keer iegCeJeee DeefOekeebMele
JeefeeeW kes vepeefjS hej efveYe&j kejleer nw.
Deehekes yeQke kes meleke&lee efJeYeeie kee en heeeme jne nw efke heefjeeueve mlej
leLee efveeb$eke keeee&uee mlej hej keee&jle meHe kees efveJeejke leLee DevJes<eke
Gheee kejves ceW meceke meeJeOeeveer SJeb meleke&lee yejleves kes efueS heeslmeeefnle
leLee me#ece yeveeee peees. Fmemes keee&-o#elee ye{eves kes meeLe-meeLe F&ceeveoej
meHe kes efueS megj#ee kee ceenewue leweej kejves ceW ceoo efceueleer nw.
Deehekes yeQke ves SveheerSme-ueeF kes lenle veF& heWMeve eespevee kees meefee kej efoee
nw. Deehekes yeQke ves 14.09.2012 kees Fmekes MegYeejbYe kes Ghejeble Fme eespevee kes
lenle 31.03.2013 leke kegue 20,872 DeeJesove mebie=nerle efkeS nQ.
meleke&lee
Dee@escesMeve kes mebyebOe ceW Jewefeke mlej hej nesves Jeeues yeoueeJe leLee yeQeEkeie
Geesie ceW nesves Jeeues Jeeheke heefjJele&veeW kes yeeJepeto yeQeEkeie mesJee keer heke=efle
Jeefehejke nw. Glheeove GvcegKe mebie"veeW kes efJehejerle, yeQeEkeie ceW Jeefehejke
28
Ieesj ueehejJeener kes ceeceueeW, efpeveceW Deehekes yeQke keer efveefOeeeb yees pee mekeves
Jeeues peesefKece ceW he[ ieF& Deewj Ssmes ceeceues, efpeveceW JeJemeeefeke efveCe&eeW keer
Jepen mes neefve ngF&, kes yeere meeJeOeeveerhetJe&ke Deblej efkeee peelee nw. heleske
ceeceues keer DeeJeefOeke efveiejeveer en megefveeqele kejves kes efueS keer peeleer nw efke
peebe-he[leeue lespeer mes meceehle nes Deewj meYeer mebyebefOeleeW kees efve<he#e heleerle nes.
en megefveeqele kejves kee Yeer heeeme efkeee peelee nw efke peneb pejer nes Jeneb r
mecee hej leLee eLeesefele Hesveuer nes.
efJeefYeVe efveJeejke GheeeeW kes mebyebOe ceW meHe meomeeW keer meYeer esefCeeeW kees
peeieke kejves kes Deefleefje Deehekes yeQke keer meleke&lee ceMeervejer kebhetjerke=le F&
yeQeEkeie ceenewue ceW GYejves Jeeues veS peesefKeceege #es$eeW ceW heYeeJeer {bie mes Deheveer
mekeejelceke Yetefcekee kee efveJee&n kej jner nw.
Deehekes yeQke ceW Kejero SJeb W[j heefeee ceW DeefOeke heejoe|Melee ueeves kes efueS
yeQke eje W[j Deecebef$ele kejves keer veesefme / DeJee[& efkeS ieS W[j kes
efJeJejCe leLee W[j / keeb^wke kes meejebMe keer Jeeheke GheueyOelee megefveeqele
kejves nsleg yeQke keer JesyemeeF hej [eues peeles nQ.
Deehekes yeQke ves DeeJeeme $e+Ce, efMe#ee $e+Ce leLee Dee@es $e+Ce kes mebyebOe ceW Dee@
veueeFve ShueerkesMeve Sb[ ^QeEkeie m&me keer megefJeOee DeejbYe keer nw. meeJe&peefveke
#es$e kes yeQkeeW ceW meceeve {bie mes efeeeeqvJele efkeS peeves nsleg efJee ceb$eeuee eje
metefele efkeS ieS Devegmeej ceevekeerke=le peve efMekeeele efveJeejCe heCeeueer
(ScepeerheerDeejSme) kees 11 peveJejer 2013 mes heYeeJeer kej efoee ieee nw.
nceW en GuuesKe kejles ngS KegMeer nw efke heefjeeueve meHe eje efoKeeeer ieF&
peeiekelee, meeJeOeeveer leLee meleke&lee kes keejCe yesFceeve ueesieeW eje efkees
iees OeesKeeOe[er kes 40 heeeme efJeHeue efkees iees Deewj Fmemes Deehekee yeQke ye[s
efJeeere vegkemeeve mes yeee.
keejesyeej efve<heeove
efJeeere Je<e& 2013 kes oewjeve JeJemeee efJekeeme kes #es$e ceW Deehekes yeQke keer
hecegKe GheueeqyOeeeW kee yeewje veeres efoee ieee nw.
2012-13
Deehekes yeQke kes keeheexjs ieenkeeW kees ye[s SJeb ceOece keeheexjs ceW Jeieeake=le
efkeee ieee nw. ` 500 kejes[ mes peeoe efyeeer ve& DeesJej kees ye[s keeheexjs
SJeb ` 150 kejes[ mes ` 500 kejes[ kes efyeeer ve&DeesJej kees ceOece keeheexjs
ceW Jeieeake=le efkeee ieee nw.
efkemeer Yeer yeQeEkeie Geesie kes efJekeeme keer mebYeeJeveeSb Gme DeLe&JeJemLee efJekeeme
keer ieefle mes ienjs he ceW peg[er nesleer nw, efpevemes Jen mebye nw. ogYee&ieJeMe
Yeejleere DeLe&JeJemLee ves efJeeere Je<e& 2013 kes oewjeve oMeke keer vetvelece
Je=ef ope& keer. jepekees<eere SJeb eeuet Keeles kes Iees, DeefOeke cegemHeerefle SJeb
yeepe ojW, DeeqmLej Jeeeoe ojW, efvepeer efveJesMe Fleeefo mes osMe keer efJekeeme
oj heYeeefJele ngF& nw.
yeQke Dee@He ye[ewoe ves 31 ceee& 2013 kees meceehle Je<e& kes efueS, efJee Je<e& 2012-13
SJeb efJee Je<e& 2013 keer eewLeer efleceener kes efJeeere heefjCeece Ieesef<ele efkeS
Je=ef (%)
3,84,871.11
ceee& 2013
kees meceehle
4,73,883.34
23.13
2,80,135.26
3,41,705.59
21.98
1,04,735.85
1,32,177.74
26.20
23,573.05
26,579.28
12.75
ceee& 2012
kees meceehle
ceee& 2013
kees meceehle
Je=ef (%)
ceee& 2012
kees meceehle
2,87,377.29
3,28,185.77
14.20
2,02,075.39
2,24,294.33
11.00
85,301.90
1,03,891.44
21.79
leLeeefhe, Fme oewj ceW Deehekes yeQke ves $e+Ce efJemleej kes #es$eeW keer heneeve keer
SJeb Deheves Heem ^wke [smke kes ceeOece mes 94 veS mebyebOe mLeeefhele efkeS.
nesuemesue SJeb efce[ keeheexjs efJeYeeie ves Je<e& kes oewjeve efJeefYeVe #es$eeW / GeesieeW
keer heosMe Yej ceW Hewueer heefjeespeveeDeeW / F&keeFeeW ceW ` 53,565/- kejes[ keer
veF& / ye{er ngF& $e+Ce megefJeOeeSb cebpetj keeR. Fmemes mebJesoveMeerue #es$eeW pewmes Iejsuet
JeeefCeeqpeke efjeue Fms, heeJej, jes[, sefuekee@ce, Deeejve SJeb merue Fleeefo
kees Deefleefje $e+Ce osves hej Yeer efJeeej efkeee.
Deehekes yeQke kee iewj Keee mekeue Deefiece 31.03.2012 kes ` 2,01,822.71
kejes[ mes ye{kej 31.03.2013 kees ` 2,23,990.20 kejes[ nes ieee. efJeeere
Je<e& 2013 kes oewjeve kes kegue Iejsuet $e+Ce kee 37.5% efnmmee nesuemesue $e+Ce
mes mebye jne.
Deehekes yeQke ves efJeeere Je<e& 13 kes oewjeve Ske veS JeJemeee Jee|keue DeLee&led
efce[ keeheexjs mesieceW keer mLeehevee keer. Fmekee GsMe efce[ keeheexjs
$e+Cekelee&DeeW kees $e+Ce heJeen ye{evee leLee mecee|hele MeeKeeDeeW kes ceeOece mes
efce[ keeheexjs ieenkeeW keer mebKee kees ye{evee nw. cenlJehetCe& efce[ keeheexjs
JeJemeee mesieceW keer DeeJeMekeleeDeeW kes heefle Heeskeme ege JeeJemeeefeke
eqkeesCe jKeles ngS DeejbefYeke leewj hej mebhetCe& Yeejle ceW 16 efce[ keeheexjs
MeeKeeSb Keesueer ieF& nw.
Deehekes yeQke kee GsMe meerSHeSme MeeKeeDeeW kes ceeOece mes ye[s keeheexjs
JeJemeee kees leLee efce[ keeheexjs MeeKeeDeeW kes ceeOece mes efce[ keeheexjs
JeJemeee kees ye{evee SJeb Fmekes eje `Dee@ve SC[ Dee@He' legueve he$e JeJemeee,
oesveeW kes ceeOece mes, Deee Depe&ve kees DeefOekelece kejvee nw.
Deehekes yeQke kee nesuemesue yeQeEkeie efJeYeeie kes heeme Ske mebhetCe& heefjeespevee efJee
efJeYeeie nw. heefjeespevee efJee efJeYeeie kes heeme efJeefYeVe #es$eeW kes heesHesMeveue keer
mesJeeSb GheueyOe nQ peesefke Deehekes yeQke kes ieenkeeW keer erF&Jeer DeLee&led lekeveerkeer
JeJenee&lee SJeb cetueebkeve kee DeOeeve kejlee nw.
efJeYeeie kes heeme Ske eEmeef[kesMeve [smke keer megefJeOee Yeer nw pees ieenkeeW keer
Iejsuet efveefOe DeeJeMekeleeDeeW kees eEmeef[kes kejlee nw. efJeYeeie kees erF&Jeer
DeOeeve, heefjeespeveeDeeW keer peebe, eEmeef[kesMeve meewoeW Fleeefo kes ceeOece mes
Keelee Meguke DeeOeeefjle Deee Dee|pele kejlee nw.
Deehekes yeQke kes nesuemesue yeQeEkeie efJeYeeie kes heeme Iejsuet efJeosMeer cege keejesyeej
([erSHeyeer) Yeer nw. [erSHeyeer meYeer heeefOeke=le MeeKeeDeeW kes ceeOece mes JeJemeee
kees, efpemeceW SceDeeF&Sme leLee efjheese\ie / Deeeele efveee&le JeJemeee heyebOeve
Yeer Meeefceue nw, mebeeefuele kejlee nw.
29
2012-13
Deehekes yeQke ves Deeeqmle iegCeJeee kees yeveeS jKeves SJeb cetueebkeve iegCeJeee kees
yesnlej kejves nsleg efveOee&efjle heefeee kes heeueve SJeb meereEveie kejves hej efJeMes<e
yeue efoee nw.
Ghejese nsleg Gheege keewMeue ege kece&eejer DeLeJee o#e, me#ece SJeb keewMeueege
ceeveJeMeefe kee nesvee Ske hetJe& Mele& nw. Fmes Oeeve ceW jKeles ngS Deehekee yeQke esef[
leLee Hee@jks eme DeefOekeeefjeeW kes efveeefcele leewj hej heeMf eef#ele efkees peeves SJeb yeQke kes
Deboj leLee yeenjer heelf eeqle mebmLeeveeW kes meneesie efJeefMe heeMf e#eCe efoS peeves hej
efJeMes<e yeue os jne nw. Deehekes yeQke ves efJeMes<eerke=le DeefOekeeefjeeW keer Yeleea leLee meerS/
DeeF&meer[yuetS/meerSme/SceyeerS meeLe ner meeLe DevegYeJeer yeQekE eie heeHs esMeveue keer meerOeer
Yeleea kejvee peejer jKee nw.
en vees kejW efke Deehekes yeQke ves $e+Ce hemleeJeeW keer MeerIe cebpetjer nsleg `$e+Ce
Devegceesove heefeee keceser Deheese' kees Deheveeee nw. es meefceefleeeb ve& DejeGb[
mecee (erSer) kees kece kejves kes efueS yeej-yeej yew"keW kejleer nQ.
efjsue JeJemeee
hetJe& keer Yeebefle efJeeere Je<e& 2013 kes oewjeve efjsue JeJemeee yeQke kes meceie
JeJemeee ceW cenlJehetCe& Yetefcekee efveYeelee jne. Deehekee yeQke Jeweefeke SJeb ueIeg
JeJemeee ieenkeeW (JeeheeefjeeW) peesefke menpe SJeb mebJenveere ueeiele hej yeQeEkeie
megefJeOeeSb eenles nQ, keer efJeeere pejleeW kees hetje kejves hej efJeMes<e Oeeve oslee
nw.
Je<e& kes oewjeve efjsue yeQeEkeie mebefJeYeeie kes keee&efve<heeove kee yeewje veeres efoee
ieee nw.
efJeeere Je<e& 2013 kes oewjeve DeeJeeme $e+Ce kes Debleie&le ` 1,911 kejes[
(13.5%) keer Je=ef ope& keer ieF&.
30
efJeeere Je<e&, 2013 kes oewjeve ye[ewoe cees&iespe $e+CeeW kes Debleie&le ` 284
kejes[ (13.0%) keer kegue Je=ef ope& keer ieF&.
efJeeere Je<e&, 2013 kes oewjeve efMe#ee $e+CeeW ceW ` 86kejes[ (4.6%) keer
Je=ef ope& keer ieF&.
512 kejes[
1620 kejes[
2. Glheeo mebMeesOeve
Deehekes yeQke ves efJeeere Je<e&-13 ceW ye[ewoe Sef[Meveue SMees[& S[Jeevme
(SSS) eespevee ceW DeefOekelece meercee ` 25 ueeKe leke ye{eles ngS leLee
DeeOeej oj + 6.50% yeepe oj kees Ieekej DeeOeej oj + 1.50% keer
oj kes meeLe Fme e@he-Dehe nesce ueesve ceW mebMeesOeve efkeee.
ye[ewoe veeieefjke yeele Keeles kees mebMeesefOele kejles ngS ye[ewoe ueIeg yeele
yeQke pecee Keelee eespevee kee veece efoee ieee Deewj Gmes DeefOeke mJeerkeee&
Deewj Deeke<e&ke yeveeves kes efueS GmeceW efvecveefueefKele efJeMes<eleeSb Meeefceue
keer ieF&o
ceen kes oewjeve DeenjCeeW keer mebKee leerve mes ye{ekej eej keer ieF&.
Je<e& kes oewjeve efveMeguke eskeeW keer Gieener nsleg eskeeW keer mebKee 10
mes ye{ekej 50 keer ieF&.
Deehekes yeQke ves DeeJeeme $e+Ce, efMe#ee $e+Ce SJeb ye[ewoe ^s[me& $e+Ce
eespeveeDeeW kees Deheves efjsue ieenkeeW kes efueS DeefOeke Deeke<e&ke
yeveeves kes efueS Gvekes hecegKe hewjeceerme& ceW keF& mebMeesOeve efkeS.
2012-13
yeele yeQke pecee DeefYeeeve (i)- kece ueeiele keer peceejeefMeeeW kes
mebienCe kes efueS efo.1 pegueeF&, 2012 kees leerve ceen keer DeJeefOe kes efueS
Ske yeele yeQke pecee DeefYeeeve heejbYe efkeee ieee. DeefYeeeve keer DeJeefOe
kes oewjeve 16,06,508 KeeleeW ceW ` 2,301 kejes[ (Oeeefjle jeefMe) keer
veeer peceejeefMeeeb mebieefnle keer ieF&.
yeele yeQke pecee DeefYeeeve (ii)- kece ueeiele Deewj peceejeefMeee mebieefnle
kejves nsleg efo.1 peveJejer, 2013 kees leerve ceen keer DeJeefOe kes efueS Ske
Deewj DeefYeeeve heejbYe efkeee ieee. Fme DeefYeeeve keer DeJeefOe kes oewjeve
13,89,750 KeeleeW ceW . 2,700 kejes[ (Oeeefjle jeefMe) keer veeer
peceejeefMeeeb mebieefnle keer ieF&.
yeele yeQke DeefYeeeve keer meHeuelee keer KegMeer ceW cegbyeF& ceW meerSce[er kes meeLe Ske efJeMes<e
mebOee kee Deeeespeve efkeee ieee
veeer efjsue ueesve Heweqke^eeb Keesuevee- meceer#eeOeerve Je<e& kes oewjeve efjsue
ueesve JeJemeee kees ye{eves nsleg mees[shegj, censmeeCee leLee jepekees ceW leerve
veeer efjsue ueesve Heweqke^eeb Keesueer ieF&.
Oeve mebheoe heyebOeve mesJeeSbDeheves ieenkeesvcegKeer heeemeeW kes Ske Yeeie kes he ceW Deehekee yeQke Je<e&, petve
2004 mes ner Deheves SeSveDeeF& SJeb cetueJeeve ieenkeeW kes efueS Oeve mebheoe
heyebOeve mesJeeSb ([yuetSceSme) GheueyOe kejelee jne nw. Fme mecee Deheveer
JeerSceSme kes Debleie&le yeQke efJeefJeOe meePesoejeW kes meeLe eF&-Dehe JeJemLee kes
Debleie&le mJeemLe pecee, cegetDeue Heb[ SJeb FeqkeJeer ^seE[ie meefnle peerJeve yeercee
Je iewj-peerJeve yeercee ceW efJeefJeOe Le[& heeea Glheeo GheueyOe keje jne nw.
mebheoe heyebOeve mesieceW kees cepeyetle kejves kes GsMe mes Deehekes yeQke ves
cegetDeue Heb[ SJeb peerJeve yeercee ceW DeieCeer Debleje&^ere yeeb[ kes meeLe oes
mebege Gece heejbYe efkeS nQ. Fve oes pes.Jeer.kebheefveeeW kes Glheeo Deehekes yeQke
kes meceie Yeejle ceW MeeKeeDeeW kes Jeeheke vesJeke& kes ceeOece mes mebefJeleefjle
efkeS peeles nw. Fve mebege Geceer kebheefveeeW kes Gheece ceW GlmeenJeOe&ke Je=ef
efoKeeF& osvee Meg nes ieee nw.
Deheveer mebege Geceer kebheefveeeW kes GlheeoeW kes mebefJelejCe kes meeLe , Deeheves
yeQke ves meeOeejCe yeercee kes efueS vesMeveue FMeesjWme kebheveer efue. kes meeLe leLee
cegegDeue Heb[ Glheeo nsleg Deve meele DeeCeer Deeeqmle heyebOeve kebheefveeeW kes
meeLe eF&-Dehe JeJemLee keer nw. Deehekes yeQke ves peveJejer, 2007 mes F&-^seE[ie
kes efueS Fbef[ee FvHeesueeFve efue. kes meeLe Yeer eF&-Dehe JeJemLee keer nw Deewj
yee@ye kewefheue ceekex efue. kes ceeOece mes Fmekee Dehevee FeqkeJeer ^seE[ie
huesHeece& nw, efpemes efjwue ieenkeeW kes efueS heejbYe efkeee ieee Lee. DeeF&heerDees
/SHeheerDees leLee jeF& FMet meyeeqmehMeve nsleg SSmeyeerS DeeJesokeeW kes mJeerkeej
31
2012-13
nsleg meYeer MeeKeeDeeW kees Fvesyeue kejles ngS ieenke-efce$eJeled leLee efveJesMekeeW keer
megefJeOee nsleg keF& Gheee efkeS nw. meeLe ner, Fmekes Deheves ves yeQeEkeie ieenkeeW
kes efueS ^ebpeskeMeve jeF kes meeLe DeeF&heerDees /SHeheerDees/jeF FMet nsleg
SSmeyeerS DeeJesokeeW kee Gvekeer megefJeOeevegmeej Gvekes Iej /keeee&uee mes
mJeerkeej kejves keer megefJeOee nsleg Dee@veueeFve SSmeyeerS DeeJesove hemlegefle keer
megefJeOee heejbYe keer nw. Deehekes yeQke ves eEmeef[kes SSmeyeerS DeeJesokeeW kes
mJeerkeej nsleg 12 keWeW kees meefee efkeee nw. es ieenkeeWvcegKeer Gheee Deehekes
yeQke kes keemee mebienCe kes heeemeeW ceW GuuesKeveere he mes menYeeieer yeveWies Ssmeer
Dehes#ee nw.
Deheves mesJee kes mlej kees Deewj Thej G"eves kes efueS Deehekes yeQke ves Fbe[f ee Hem& ueeFHe
FbMeesjmW e heeefuemeer OeejkeeW kes efueS Ske efheecf eece Jemetueer cees[etue heejbYe efkeee nw.
meeLe ner, Deehekes yeQke kee meeOeejCe yeercee Glheeo yeQke eje efJee-heese<f ele DeeeqmleeeW
kees keJej GheueyOe kejelee nw. en Deehekes yeQke kees Meguke DeeOeeefjle Deee GheueyOe
kejelee ner nw, meeLe ner, $e+Cekelee& FkeeF& kees mebheoe heyebOeve mesJeeDeeW kes Debleie&le
peeseKf ece kees otj kejves kee efJekeuhe Yeer GheueyOe kejelee nw.
efJeeere Je<e& 14 iegCeJeeehetCe& mebheoe heyebOeve mesJeeDeeW kes Deieues ejCe ceW yeQke keer ieefle
kee mee#eer yevesiee. FmeceW SerSce kes ceeOece mes yeercee veJeerkejCe efheecf eece Jemetueer
leLee ye[ewoe heeeesevf eej kes efueS efveefOe Jemetueer cees[etue kee meceeJesMe nw. en Deehekes
yeQke keer MeeKeeDeeW kees Deheves efveJesMeke ieenkeeW kees mesJeeSb heoeve kejves ceW meneeke
yevesiee. iewj-peerJeve yeercee kes efueS Deehekes yeQke kee eF Dehe meePesoej Yeer meeryeerSme
huesHeece& kes ceeOece mes leLee yeQke kes DeeF&-yeQekE eie heesu& e kes ceeOece mes yeercee SJeb
heeefuemeer kee veJeerkejCe meefee kej Ske Deewj keoce ye{eSiee.
Fme #es$e kes cenlJe kees osKeles ngS Deehekee yeQke efveeb$eke efoMeeefveoxMeeW kes
DeueeJee efvecee&Ce/mesJee #es$e ceW Gve FkeeFeeW hej Yeer GvnW SceSmeSceF& kes
mecelegue ceeveles ngS efJeeej kejlee jne nw, efpevneWves eceMe: hueeb SJeb
ceMeervejer/GhekejCeeW ceW efveJesMe efkeee nw Deewj efpevekee ve&DeesJej . 150
kejes[ leke kee nw. efveeb$eke SceSmeSceF& GeceeW kes Deveghe ner Fme efJemle=le
#es$e hej DeefOeke Oeeve osves kes efueS Ssmee efkeee ieee nw. leLeeefhe Deehekee yeQke
efveeb$eke efjheese\ie kes efueS efveeb$eke heefjYee<eeDeeW Deewj efoMeeefveoxMeeW kee ke[e
Devegheeueve kejlee nw.
efJeeere Je<e& 13 ceW egveeweflehetCe& Deee|Leke heefjJesMe kes yeeJepeto SceSmeSceF& keer
efveeb$eke esCeer kes Debleie&le Deehekes yeQke kee keee&efve<heeove Deleble cepeyetle jne
nw. JeemleJe ceW Fme JeJemeee kees ye{eJee osves kes efueS Deehekes yeQke eje
meceer#eeOeerve Je<e& kes oewjeve Fme #es$e kees ueeiet nesves Jeeueer yeepe ojeW kees
SceSmeSceF& FkeeFeeW keer Dehes#eeDeeW kes Deveghe Deewj DeewefelehetCe& yeveeee
ieee.
en vees efkeee peeS efke Deehekes yeQke ves Fme JeJemeee kes Debleie&le Je<e& kes
heejbYe ceW pees ue#e efveOee&efjle efkeS Les, Gve meYeer kees meHeueleehetJe&ke heehle
efkeee nw.
SceSmeSceF& JeJemeee
Je<e&
efkemeer Yeer osMe kes efJekeeme ceW ceeFees, ueIeg Deewj cePeewues #es$e (SceSmeceSceF&)
kee cenlJe meJe&efJeefoled ner nw.
2010-11
ogve Sb[ yeQ[m^er efjmee& (2012), kes Devegmeej Yeejle ceW SceSmeSceF& #es$e,
GeceeW kes Deekeej, GlheeoeW SJeb mesJeeDeeW kes JewefJeOe Deewj heeweesefiekeer kes mlejeW
keer eq mes Deleble JewefJeOehetCe& nw. en #es$e ye[s GeesieeW keer leguevee ceW kece
hetbpeer ueeiele hej jespeieejeW kes DeJemej GheueyOe kejelee nw, yeequke ieeceerCe SJeb
efhe[s #es$eeW ceW DeeweesefiekeerkejCe ceW meneeke yevelee nw, #es$eere Demeblegueve kees
Ieelee nw Deewj je^ere Deee SJeb mebheoe kee DeefOeke meblegefuele efJelejCe
megefveeqele kejlee nw. SceSmeSceF& ye[s GeesieeW keer Deveg<ebieer FkeeFeeW kes he
ceW meneesie kejlee nw Deewj osMe kes Deee|Leke-meeceeefpeke efJekeeme ceW GuuesKeveere
eesieoeve oslee nw.
yeQke Dee@He ye[ewoe ves ces. HeerDeepeerDees Jnerkeume hee. efue. kes meeLe mecePeewlee kejej efkeee.
32
2011-12
26.11%
2012-13
30.31%
ceee& 2013 keer meceeeqhle hej SmeSceF& Deefiece ` 44,974 kejes[ Lee, pees
efke Je<e& oj Je<e& DeeOeej hej ` 10,462 kejes[ (30.31%) keer Je=ef
oMee&lee nw.
efJeeere Je<e& 2013 ceW SceSmeSceF& meskej kees ` 28,047 kejes[ kes kegue
$e+Ce ceW ceeFeesmee@He GeceeWkees Deefiece 62.1% DeLee&led ` 17,409/kejes[ Lee. Fme hekeej Yeejleere efjpeJe& yeQke eje efveOee&efjle DeefveJeee&
ue#e kees Deemeerveer mes heej kej efueee ieee.
31 ceee& 2013 kees Deehekes yeQke kes mekeue Iejsuet $e+Ce ceW SmeSceF&
DeefieceeW ves 19.7% kee DebMeoeve efkeee.
met#ce SJeb ueIeg GeceeW kees efoS ieS Deefiece Yeejle mejkeej eje ceee& Deble
leke kes efoS ieS ue#e ` 33650 kejes[ keer leguevee ceW ` 38227 kejes[
leke hengbe ieS.
ueesve Hewkejer cee@[ue keer meHeuelee kees Oeeve ceW jKeles ngS Deehekes yeQke
ves efJeeere Je<e&-13 kes oewjeve : veF& SmeSceF& ueesve Heweqke^eeb KeesueeR.
Deheves SceSmeSceF& JeJemeee kees Deewj ye{eves nsleg Deehekes yeQke efJeeere
Je<e& 13 kes oewjeve 'SceSmeSceF& kewheskeme ueesve SJeb kewheskeme kee[&' veeceke
veee Glheeo DeejbYe efkeee.
2012-13
meceer#eeOeerve Je<e& kes oewjeve yesnlej JeJemeee mebYeeJeveeDeeW kes meeLe meceeve
ieefleefJeefOeeeW mes peg[er FkeeFeeW kes keuemj mes mebye keg hee@keseW kes efueS
efJekeefmele keer ieF& #es$e-efJeMes<e-eespeveeDeeW ves meblees<epeveke heefjCeece heehle
efkeS. keuemj [sJeueheceW DeieCeer MeeKeeDeeWkes meeLe Yeer efkeee ieee. Yeejle
mejkeej eje metefele keee&eceeW, efJeMes<e he mes yegvekej esef[ kee[& leLee
heOeeveceb$eer jespeieej efvecee&Ce keee&ece (heerSceF&peerheer) hej efJeeere Je<e& 13 kes
oewjeve Oeeve keseqvle efkeee ieee.
heeqece Yeejle ceW SceSmeSceF& $e+CeeW ceW Deehekes yeQke kes keee&efve<heeove kees
osKeles ngS neuener ceW veeer efouueer ceW je^heefle cenesoe kes neLeeW mes Deehekes
yeQke kees DeJee[& heehle ngDee nw.
yeQke Dee@He ye[ewoe ves Yeejleere efjpeJe& yeQke eje peejer efkeS ieS mebMeesefOele `heeLeefcekelee heehle
#es$e JeieeakejCe efoMeeefveoxMeeW' hej peehegj ceW Ske efJeMes<e keee&Meeuee kee Deeeespeve efkeee.
33
2012-13
ke=ef<e Deefiece
Deehekes yeQke kes hele#e ke=ef<e Deefiece ` 2,220 kejes[ keer meceie Je=ef Deewj
iele Je<e& keer leguevee ceW 10.9%` keer ye{le kes meeLe ` 22,645 kejes[ nes
ieS. Deehekes yeQke kes kegue ke=ef<e Deefiece 0.02% keer Heuew Je=ef (Je<e&-oj-Je<e&)
kes meeLe ceee& 2013 kes Deble ceW ` 28,739 kes mlej hej hengbes. pewmee efke
hetJe& ceW yeleeee ieee nw en heeLeefcekelee heehle #es$e kes mebyebOe ceW Yeejleere
efj]peJe& yeQke eje peejer efkeS ieS Deewj efo. 20.07.2012 mes heYeeJeer mebMeesefOele
efoMeeefveoxMeeW kes keejCe ngDee. Deehekes yeQke kes hele#e ke=ef<e Deefiece ceee& 2013
kes Deble ceW meceeeesefpele Meg yeQke $e+Ce kes 11.13% jns, peye efke DeefveJeee&
ue#e 13.5% kee nw. kegue ke=ef<e Deefiece ceee& 2013 kes Deble ceW meceeeesefpele
Meg yeQke $e+Ce kes 14.12% jns, peye efke DeefveJeee& ue#e 18% kee nw.
Deehekes yeQke ves ke=<ekeeW kees$e+Ce heoeve kejves nsleg Deheves ke=ef<e $e+Ce Glheeo
ye[ewoe efkemeeve esef[ kee[& kes lenled efJeeere Je<e& 2013 kes oewjeve 2,74,665
kee[& peejer efkeS. Deehekes yeQke ves ke=<eke mecegoee keer megefJeOee kes efueS Je<e& kes
oewjeve SerSce ceW meefee 'ye[ewoe efkemeeve hee kee[& Yeer heejbYe efkeee.
efJeeere Je<e& 13 kes oewjeve Deehekes yeQke ves ueieYeie 3,32,141 vees ke=<ekeeW kees
$e+Ce heoeve efkees. Deheves ceeFees efJeehees<eCe kes veJeesvces<eer GheeeeW kes Ske Yeeie
kes he ceW Deehekes yeQke ves 10,912 mJeeb meneelee mecetneW efJeeere Je<e& 2013
kes oewjeve ` 198.45 kejes[ keer jeefMe heoeve keer, efpemekes HeuemJehe mJeeb
meneelee mecetn $e+Ce menyelee keer kegue mebKee 1,65,328 SJeb jeefMe
` 1,369.97 kejes[ nes ieF&.
ke=ef<e DeefieceeW kees ye{eves kes efueS Deehekes yeQke ves efJeMes<e DeefYeeeve DeLee&led
Hemeueer $e+CeeW kes efueS KejerHe SJeb jyeer DeefYeeeve eueeS, efpeveceW eceMe:
` 5,284 SJeb 2,262 kejes[ mebefJeleefjle efkeS ieS. efveJesMe $e+CeeW kes efueS
Yeer Ske Deewj DeefYeeeve eueeee ieee, efpemekes Debleie&le ` 1,096 kejes[
kee mebefJelejCe efkeee ieee.
Deehekes yeQke ves 4,245 ieece mlejere $e+Ce efMeefJej Deeeesefpele efkeS Deewj
efJeeere Je<e& 2013 kes oewjeve 2,06,375 $e+Cekelee&DeeW kees ` 2,922
kejes[ mebefJeleefjle efkeS ieS.
Deehekes yeQke ves hetjs osMe ceW 450 Lem MeeKeeDeeW kee eeve efkeee nw,
efpemekee GsMe ke=ef<e $e+CeeW kees ye{evee nw. Fve MeeKeeDeeW eje ceee&
2013 kes Deble leke heoe kegue ke=ef<e Deefiece kee efnmmee 36.0% nw.
ceW mecee hej $e+Ce megueYe nes mekes Fme GsMe mes Dee@escess[ ueesve
heesmeseEmeie efmemce kee heejbYe efkeee nw.
Yeejleere efj]peJe& yeQke eje efoMee-efveoxMeeW kes DeeOeej hej, yeQke ves 45
SHeSuemeermeer, efpevnW "meejLeer" veece efoee ieee nw, pejlecebo ueesieeW kees
efJeeere mee#ejlee leLee $e+Ce hejeceMe& megefJeOeeSb heoeve kejves kes efueS mLeeefhele
efkees leeefke Jes yeQeEkeie heCeeueer mes yeQeEkeie megefJeOeeDeeW kee ueeYe G"e mekeW Deewj
meeLe ner $e+Ce kes yeesPe leues Deees efJeeere mebke ceW petPeles ueesieeW kees hejeceMe&
megefJeOeeSb heoeve keer pee mekes.
Deehekes yeQke ves ke=ef<e #es$e kes Debleie&le $e+Ce hemleeJeeW keer heefeee ceW
MeeKeeDeeW keer #eceleeSb ye{eves SJeb Gmekes eje ke=<ekeeW kees heee&hle cee$ee
yeQke ves Deheves yeerSmeJeerSme ^m kes lenled Fve kesveW kees Keesuee nw. FveceW
efveMeguke hejeceMe& mesJeeSb mebyeefOele ueesieeW kees oer pee jner nQ. Deehekes yeQke ves
34
2012-13
heefleyelee kes he ceW ner veneR, yeequke ieeceerCe Yeejle kee meceie Deee|Leke
efJekeeme kejves Jeeues Ske meeOeve kes he ceW osKee pee jne nw leeefke metevee
Deewj mebeej heeweesefiekeer (DeeF&meerer) DeeOeeefjle ef[ueerJejer ewveueeW kes ceeOece
mes Yeejleere DeLe& JeJemLee DeeOeeefjke mlej hej GheueyOe DeJemejeW kee ueeYe
G"eee pee mekes.
Deehekes yeQke keer efJeeere meceeJesMeve eespevee kee GsMe meceepe kes Gme Jeie&,
pees Fmemes Jebefele nw kees yengle ner kece ueeiele hej yeQeEkeie mesJeeSb GheueyOe
kejevee Deewj Fmekes eje yeQeEkeie efJenerve pevemebKee/ #es$e leke Deewheeeefjke
yeQefkeie mesJee hengbeevee nw.
meceer#eeOeerve Je<e& kes oewjeve Deve yeQke kes oes DeejDeejyeer kee Yeer nceejs ye[ewoe
jepemLeeve DeejDeejyeer kes meeLe mebefJeueeve nes ieee. mebefJeueeve kes yeeo Fve
leerveeW #es$eere ieeceerCe yeQkeeW kee kegue JeJemeee ceee& 2012 kes Deble kes
26,257.43 kejes[ hees mes ye{kej ceee& 2013 kes Deble ceW 29,284.23
kejes[ hees nes ieee. Fme hekeej Fmeces 11.53% keer Je<e&-oj-Je<e& Je=ef ope&
ngF&.
Fve leerveeW #es$eere ieeceerCe yeQkeeW ves Je<e& 2013 kes oewjeve 97.06 kejes[ hees
kee Meg ueeYe Dee|pele efkeee peyeefke Je<e& 2012 kes oewjeve 148.22 kejes[
hees kee Meg ueeYe Dee|pele efkeee Lee.
ceeveveere kesvere efJeeceb$eer eer heer. efeobyejce eje Gej heosMe ceW Ske meeLe 300 veeer
yeQke MeeKeeDeeW kee MegYeejbYe Gej heosMe kes ceeveveere cegKeceb$eer eer DeefKeuesMe eeoJe,
efJee ceb$eeuee SJeb jepe mejkeej kes ceb$eer SJeb Jeefj DeefOekeeefjeeW, efJeefYeVe yeQkeeW kes
DeOe#e SJeb heyebOe efveosMekeeW Je Deve Jeefj DeefOekeeefjeeW keer GheeqmLeefle ceW efkeee ieee.
Fve meYeer #es$eere ieeceerCe yeQkeeW keer meceie "Meg ceeefueele" ceee& 2012 kes Deble
kes 1,018.44 kejes[ hees mes ye{kej ceee& 2013 kes Deble ces 1,234.42
kejes[ nes ieF& Deewj "Deejef#ele efveefOeeeb leLee DeefOeMes<e" ceee& 2012 kes Deble
kes 726.55 kejes[ hees mes ye{kej ceee& 2013 kes Deble ceW 777.52 kejes[
hees nes ieee.
efJeeere meceeJesMeve kes efueS Deehekes yeQke ves efvecveefueefKele leerve JeJemeee cee@
[ue DeheveeS nQ.
Deehekes yeQke ceW efJeeere meceeJesMeve (SHeDeeF&) kees kesJeue Ske meeceeefpeke
Deehekes yeQke veW 1,436 efyeke SJeb ceese&j ieeceerCe MeeKeeDeeW kes vesJeke& kes
ceeOece mes 4,959 ieebJeeW kees, yeermeer cee@[ue kes ceeOece mes 3,474 ieebJeeW kees
35
2012-13
Deewj ceesyeeFue Jewve kes ceeOece mes 49 ieebJeeW kees keJej efkeee nw.
yew"ke kejvee Fleeefo kes efueS meYeer DeeJesoveeW kees hetje kejles nQ.
Deehekes yeQke veW efJeeere Je<e& 2013 kes oewjeve yeQeEkeie megefJeOee efJenerve ieebJeeW ceW
151 efyekeer SJeb ceese&j MeeKeeSb Keesueer nQ.
Deehekes yeQke keer en henue efJeeere mee#ejlee ceW heieefle Deewj ieece mlej hej
DeelceefJeeeme hewoe kejleer nw, pees Deblele: Deehekes yeQke keer efJeeere meceeJesMeve
DeefYeeeve nsleg heeflemeeo ceW Je=ef kejsieer.
36
yeQke Dee@He ye[ewoe ves JeejeCemeer ceW efJeMeeue $e+Ce efMeefJej kee Deeeespeve SJeb 1001 ueIeg
yeQeEkeie MeeKeeDeeW kee MegYeejbYe efkeee
2012-13
nsleg yeveeee ieee nw. en Keelee efyevee keesF& jeefMe pecee efkeS Keesuee pee
mekelee nw Fme hej keesF& ob[ vener ueielee Deewj JeJemeee heefleefveefOe, MeeKee SJeb
SerSce kes ceeOece mes Keesuee/ mebeeefuele efkeee peeSiee.
en Ske ceveer yewke Deej[er megefJeOee nw pees eueefveefOe heoeve kejves kes efueS
efJeeere meceeJesMeve Keelee Oeejke nsleg eLeeJeled yeveeF& ieF& nw. en Glheeo ceveer
yewke megefJeOee oslee nw, : ceen keer meceeeqhle hej, peceekelee& keer DeeJeMekelee
kes Devegmeej Keeles ceW yekeeee pecee jeefMe kes 50.0% kes meceeve jeefMe kee
Jeeheme Yegieleeve efkeee pee mekelee nw.
37
2012-13
3. vekeoer DeenjCe
2. vekeo pecee
Deehekes yeQke ceW SF&heerSme hejer#eCe ejCe ceW nw Deewj ceF& 2013 kes ceOe leke
heefjeeueve ceW peeSiee.
31/03/2013 leke efJeeere meceeJesMeve ceW yeQke kes keee& efve<heeove keer
efJeMes<eleeSb
Deehekes yeQke ves Deheves mesJee #es$e kes Debleie&le 21,526 ieebJeeW ceW mes DeYeer
leke 4,959 ieebJeeW kees keJej efkeee nw. ueieYeie 90% ieebJe meefee
uesveosve cees[ hej nw.
Deehekes yeQke ves 49.60 ueeKe ``vees efHeue yesefmeke yeele yeQke Keeles'' Keesues
nQ, efpeveceW mes 8.69 ueeKe Keeles Jeeheej heefleefveefOe SpeWeW (yeermeerS) kes
ceeOece mes Keesues ieS.
Deehekes yeQke ceW ``vees efHeue KeeleeW'' ceW Deewmele yekeeee jeefMe ueieYeie
1,200 kejes[ hees nw.
Deehekes yeQke ves 2,000 mes DeefOeke keer Deeyeeoer Jeeues ieebJeeW ceW 2,695
Deu^e mceeue MeeKeeSb Keesueer nQ.
Deehekes yeQke ves ceee& 2016 leke 21,526 ieebJeeW kes efueS Deheves SHeDeeF&heer
kees efeeebefJele kejves kes efueS MeeKee mlej leke he=LekeerkejCe eespevee
Devegceesefole keer nw.
Deehekee yeQke eej jepeeW DeLee&le iegpejele, efyenej, ieesJee Deewj Gej
heosMe ceW heebe ceesyeeFue Jewve heefjeeefuele kej jne nw leLee 100 Deewj
ceesyeeFue Jewve Meg kejves keer eespevee nw.
Deehekes yeQke ves efJeeere meceeJesMeve kes Debleie&le efkeeesmke huesHeece& hej
yeermeerS kes he ceW yeQke kes mesJee #es$e ceW Deheves meerSmemeer kee veeceebkeve kejves
kes efueS meerSmemeer F&-ieJeveXme efue. kes meeLe Ske mecePeewlee efkeee nw.
38
Deblejje^ere heefjeeueve
[erDeeF&SHemeer, ogyeF& ceW 100Jeeb efJeosMeer keeee&uee Keesueves kes meeLe Deehekes
yeQke kes Debleje&^ere heefjeeueve ceW en Ske Ssefleneefmeke Je<e& Lee. MeeKee kee
MegYeejbYe eer heer.efeocyejce, efJeeceb$eer, Yeejle mejkeej eje efkeee ieee.
Deehekes yeQke ves 1953 ceW Deblejje^ere #es$e ceW Deheves heejbefYeke heJesMe mes ueskej,
Jewefeke Jeeheej DeJemejeW kees leueeMeves kes efueS Deheves efJeosMeer vesJeke& ceW
ueieeleej efJemleej efkeee nw.
Yeejle kes ceeveveere kesvere efJeeceb$eer eer heer efeobyejce, [erDeeF&SHemeer ceW yeQke Dee@He
ye[ewoe kes 100JeW efJeosMeer keeee&uee kee MegYeejbYe kejles ngS
Debleje&^ere keejesyeej
Je<e& kes oewjeve, hecegKe heieefleMeerue DeLe&JeJemLeeDeeW ves efvejblej cebo Je=ef,
jepekees<eere yeeOeeDeeW Deewj efceleJeeer GHeeeeW kee meecevee efkeee nw Deewj Fmekes
eflejs heYeeJe Deve DeLe&JeJemLeeDeeW hej Yeer he[ jns nQ. Fme keef"ve heefjJesMe
ceW Yeer Deehekes yeQke kes Debleje&^ere heefjeeueve ves efJekeeme hej efvejblej efveiejeveer
jKekej Deewj JeJemeee cee@[ue kee Gheege meceeeespeve kej henues mes keoce
G"ekej Dee Je=ef oewj yeveeS jKee nw.
2012-13
kegue Deeeqmleeeb
Deehekes yeQke kes Debleje&^ere heefjeeueve keer kegue DeeeqmleeeW ceW Je<e&-oj-Je<e&
DeeOeej hej 30.1% keer GuuesKeveere Je=ef ngF&. es Deeeqmleeeb ceee& 2012 kees
meceehle DeJeefOe kees ` 1,28,398 kejes][ mes ye{kej ceee& 2013 ceW
` 1,67,038 kejes][ nes ieF.
ueeYe
heCeeueer ceW ye{leer lejuelee Deewj esef[ keejesyeej ceW efiejeJe keer Fme
egveewleerhetCe& DeJeefOe kes oewjeve Yeer Jeeheej mlej ceW Je=ef Deewj yeepe Deee ceW
megOeej kes keejCe efJeeere Je<e& 2013 ceW mekeue ueeYe ceW efheues Je<e& keer leguevee
ceW 24.7% keer Je=ef jner. leLeeefhe, Je<e& kes oewjeve Ge heeJeOeeveeW kes keejCe
kegue ueeYe ves 19.20% keer vekeejelceke Je=ef ope& keer.
Deehekes yeQke kes Jewefeke kegue ueeYe ceW Deblejje^ere heefjeeueve kee eesieoeve 24.6% jne.
yeQke Dee@He ye[ewoe kes keee&heeueke efveosMeke eer efhe eerefveJeeme, eer Sme kes pewve SJeb eer
jbpeve OeJeve vet meeGLe Jesume kes heerefceej SJeb Jesmve& efme[veer kes ceb$eer ceeveveere yewjer
je@ye& Dees'Heejxuue kes cegbyeF& oewjs kes mecee Gvemes yeeleeerle kejles ngS
Deeeqmle iegCeJeee
Deehekes yeQke keer Deblejje^ere mlej hej GheeqmLeefle Fmes Yeejer $e+Ce peesefKece ceW
[eueleer nw. Deehekee yeQke hetJe&-mebefJelejCe ejCe kes oewjeve efkemeer heefjeespevee
keer $e+Ce DeeJeMekeleeDeeW kee JeemleefJeke he mes efveOee&jCe kejves kes efueS meYeer
keoce G"elee nw Deewj cetueebkeve SJeb Deve lekeveerkeer, Deee|Leke, JeeefCeeqpeke,
JeJemLeeheve mebyebOeer SJeb efJeeere henuegDeeW hej meeJeOeeveerhetJe&ke efveiejeveer kejlee nw.
Jewefeke ceboer ves efJee DeLe&JeJemLee kes meYeer #es$eeW kees heYeeefJele efkeee nw Deewj
Fmemes DeeeqmleeeW keer iegCeJeee hej oyeeye he[e nw. Fme heefleefeee mes, Deehekes yeQke
ves DeeeqmleeeW keer iegCeJeee yeveeS jKeves kes efueS efveiejeveer lejerkees ceW Deewj Je=ef
keer nw. Fmemes oyeeyeiemle KeeleeW keer mecee hej heneeve Deewj JemetefueeeW kes efueS
meYeer mebYeJe keoce G"eS ieS nQ. Fmekes Deefleefje, hegvemejefele KeeleeW hej ke[er
vepej jKeer ieF& leeefke es SveheerS esefCeeeW ceW ve eues peeSb.
efJeeere Je<e& 2013 kes oewjeve yeQke keer efJeosMeer MeeKeeDeeW ves kegue JeJemeee
(peceejeefMeeebDeefiece) ceW 24.2% keer Je=ef ope& keer. peyeefke ieenke
peceejeefMeeeW ceW 24.03%, kegue peceejeefMeeeW ceW 26.2% leLee DeefieceeW ceW
21.8% keer Je=ef ope& ngF&.
leLeeefhe, yeenjer heefjJesMe ves DeeeqmleeeW keer iegCeJeee hej heYeeJe [euee nw Deewj
kegue Deefiece kee mekeue SveheerS ceee& 2012 kees 0.68% mes ye{kej ceee&
2013 ceW 1.37% nes ieee.
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke kes Jewefeke keejesyeej ceW Deblejje^ere
heefjeeueve kee 29.4% kee GuuesKeveere eesieoeve jne nw.
Debleje&^ere GheeqmLeefle
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke keer Deblejje^ere GheeqmLeefle Deheveer
100 MeeKeeDeeW / keeee&ueeeW kes ceeOece mes 24 osMeeW ceW efvecveevegmeej nw.
yeQke keer DeesJejmeerpe MeeKeeSb / keeee&uee
60
39
kegue
100
-20- MeeKeeSb
-1- MeeKee
39
2012-13
efJeosMeer efJemleej
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke ves 12 veF& MeeKeeSb / keeee&uee
(Deveg<ebefieeeW kees Meeefceue kejles ngS) Keesues nQ. FmeceW yeQke keer efme[veer,
Deem^sefueee; [erDeeF&SHemeer, ogyeF&, meesnj, Deesceeve; jes]pe yesueer, cee@efjefMeme
Deewj [erScemeermeer, ogyeF& ceW eqmLele Fuewke^eefveke yeQeEkeie mee|Jeme etefve
(F&yeerSmeet) MeeKeeSb Meeefceue nQ.
Deveg<ebefieeeW keer MeeKeeSb vetpeerueQ[ ceW JeseEueieve Deewj cevegkegDee; etieeb[e
kecheeuee ceW Sblesyyes, keeyeues Deewj Fb[m^ereue Sefjee; Ieevee ceW scee Deewj
yeeslmeJeevee ceW iesyeesjesve Jesm Keesueer ieF.
etSF&, etieeb[e, kesvee Deewj yeeslmeJeevee ceW vesJeke& efJemleej kes efueS Deehekee
yeQke DeeJeMeke cetueYetle mebjevee leweej kej jne nw. Deehekee yeQke et.kes. ceW
oes Deefleefje MeeKeeSb Keesueves kes efueS Yeejleere efj]peJe& yeQke kes Devegceesove keer
heleer#ee kej jne nw.
Yeejle kes heeqyueke meskej yeQkeeW kes DeesJejmeerpe efJemleej kes mebyebOe ceW efJee
ceb$eeuee, Yeejle mejkeej eje peejer efJeefYeVe efveoxMeeW kes Devegmeej ner
DeesJejmeerpe efJemleej hej efJeeej efkeee pee jne nw.
eEme[erkesMeve meWj
Deehekes yeQke kee uebove ceW iueesyeue eEme[erkesMeve meWj Deewj ogyeF& SJeb eEmeieehegj
ceW jerpeveue eEme[erkesMeve meWj eqmLele nQ, peneb Debleje&^ere yeepeej kes
eEme[erkesMeve $e+CeeW kes JeJemeee hej Oeeve keseqvle efkeee peelee nw. Deehekes
yeQke ves keeheexjs keeee&uee, cegcyeF& ceW Ske Deblejje^ere ceeX yeQeEkeie ke#e
(DeeF&Sceyeermeer) mLeeefhele efkeee nw pees cegKe he mes Yeejleere keeheexjsdme keer
DeeJeMekeleeDeeW kees hetje kejlee nw. Deehekee yeQke eEme[erkesMeve ueesve ceekex SJeb
$e+Ce DeesjerefpevesMeve Yeeieeroejer ceW Yeer meefee jne nw.
etbiee[e ceW yeQke keer Deveg<ebieer yeQke Dee@He ye[ewoe (etieeb[e) efue. keer veF& MeeKee
Fb[m^ereue Sefjee, kecheeuee kee MegYeejbYe.
Fmekes Deefleefje, Fme Je<e& kes oewjeve ceuesefMeee ceW mebege Gheece yeQke
``FeqC[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er kee Yeer heefjeeueve Meg
ngDee nw.
Deehekes yeQke ceW DeHeveer meYeer DeesJejmeerpe MeeKeeDeeW Deewj Deveg<ebefieeeW kes efueS
Ske eEmeieue keesj meesuetMeve GHeuyeOe nw. en veS GlheeoeW Deewj mesJeeDeeW keer
peevekeejer osves keer megefJeOee oslee nw leLee heefjeeueve Jeeues osMe kes ieenkeeW keer
DeeJeMekeleeDeeW kes Deveghe leyeoerueer / megOeej kejves ceW Yeer meneelee kejlee
nw.
heeflemheOee&lceke oewj ceW yeves jnves kes efueS Deehekes yeQke ceW ueieeleej megOeej Deewj
veJeervelee mes heeweesefiekeer kee Yejhetj GHeeesie efkeee pee jne nw. Deehekes yeQke kes
ueef#ele ieenkeeW kees Fuewke^esefveke SJeb eEhe ceeref[ee kes ceeOece mes DeeJeMeke
peevekeejer oer pee jner nw.
31 ceee& 2013 kees meceehle DeJeefOe ceW efJeosMeer keeee&ueeeW SJeb Deveg<ebefieeeW
ceW SerSce keer mebKee ye{kej 89 nes ieF& nw (54 Dee@vemeeF SJeb 35 Dee@
HemeeF) pees 31 ceee&, 2012 kees 76 (45 Dee@vemeeF SJeb 31 Dee@
HemeeF) Leer. Fmekes Deefleefje, leerve veS SerSce Yeer mLeeefhele efkeS
peeves keer heefkeee ceW nQ.
ceeveveere kesvere efJee jepe ceb$eer eer vecees vejeeCe ceerCee oerhe peueekej ceueseMf eee ceW mebege
Gece yeQke Fbe[f ee FbjvesMeve yeQke (ceueseMf eee) yesjne[ kee MegYeejbYe kejles ngS
40
ogyeF& ceW Fuewke^esefveke yeQeEkeie mee|Jeme etefve ceuer keceesef[erpe meWj kee MegYeejbYe
yengle mes keeee&uee / Deveg<ebefieeeb efehe DeeOeeefjle [sefye kee[& kees Dehevee
jner nQ.
Sver ceveer ueebeE[^ie Fjwpe (yewe cees[) kees 21 sjerjerpe / Deveg<ebefieeeW ceW
keeee&eqvJele efkeee ieee nw.
Sver ceveer ueebeE[^ie Dee@veueeFve efuem ceweEeie meesuetMeve kees etSme kes
DeueeJee 21 sjerjerpe / Deveg<ebefieeeW ceW keeee&eqvJele efkeee ieee nw.
2012-13
Devegheeuevee ceeceueeW kees mebYeeueves kes efueS Deehekes yeQke ves efJeosMeer kesveW hej
mecee|hele DeefOekeeefjeeW kees heomLe efkeee nw efpevekeer kegMeuelee ceW heefMe#eCe SJeb
Deve lejerkeeW mes ueieeleej Je=ef keer peeleer nw. Devegheeuevee kees kesJeue
efJeefveeeceke DeeJeMekelee kes he ceW ner vener osKee peelee yeequke yeQke SJeb Deve
MesejOeejkeeW kes efnle Deewj heeflee keer megj#ee kes he ceW efueee peelee nw.
meYeer efJeosMeer keeee&ueeeW / Deveg<ebefieeeW kes efueS Gvekeer mebyebefOele efJeefveeeceke
DeeJeMekeleeDeeW kes Devegmeej yeQeEkeie kes efJeefYeVe #es$eeW ceW veerefle / efveece yeves
nQ. efJeefveeeceke efoMeeefveoxMeeW SJeb DeeJeMekeleeDeeW kes meeLe Devegheeueve
megefveeqele kejves kes efueS Fvekeer mecee-mecee hej meceer#ee keer peeleer nw.
^spejer heefjeeueve
Deehekes yeQke ceW ye[ewoe meve e@Jej keeheexjs keeee&uee, cegbyeF& ceW Deefle DeeOegefveke
[ereEueie ce keee&jle nw. Fme [ereEueie ce kes ceeOece mes Deehekee yeQke ^spejer
heefjeeueve kees hetje kejves kes efueS hetjer lejn leweej nw. ^spejer ef[Jeerpeve Iejsuet
heefjeeueve kee keee& mebeeefuele kejlee nw leLee efJeefYeVe ceekex keee&keueeheeW
pewmes efJeosMeer cege, yeepe ojW, meeJeefOe Deee, [sjerJesefJme, FeqkeJeer Deewj Deve
Jewkeequheke Deeeqmle esefCeeeW kee keee& osKevee nw. Deehekee yeQke Deheves ieenkeeW
kees keF& efJeeere mesJeeSb heoeve kejves kes efueS Deefle DeeOegefveke heeweesefiekeer
huesHeece& kee Gheeesie kejlee nw. Fve mesJeeDeeW ceW yeepe oj mJewhe, cege mJewhe,
Jeeeoe SJeb DeehMeve Meeefceue nQ.
Deehekes yeQke ves Deefle DeeOegefveke mJeeeefuele [ereEueie heCeeueer mLeeefhele keer nw
efpememes efjeue eFce Deees pevejss[ efJeosMeer cege ojW hetjs osMe ceW Hewueer
heeefOeke=le MeeKeeDeeW kes ceeOece mes Deheves ieenkeeW kees GheueyOe kejeF& peeleer
nQ. ieenkeesvcegKeer keoce kes he ceW efJee Je<e& 2013 kes oewjeve ieenke mesJee ceW
yee@ye heeefOeke=le [ereEueie heCeeueer kees yesnlej yeveeves SJeb uesveosveeW keer lespeer mes
heesmeseEmeie kejves leLee osjer SJeb yeske[eGve kees jeskeves kes efueS hegjeves meJe&jeW kees
Ge #ecelee meJe&jeW mes heefjJee|lele kej mebJeOe&ve efkeee ieee.
efyepevesme heesmesme efj-FbpeerefveeeEjie kes lenle Deehekes yeQke ves iueesyeue ^spejer
meesuetMeve kees meYeer ye[s efJeeere kesveW hej meHeueleehetJe&ke hetje kej efueee nw.
iueesyeue ^spejer huesHeece& mejuelee mes 9 kesveW efJeMes<e he mes cegbyeF&, uevove,
yeneceeme, yegMesume, ogyeF&, yenjerve, eEmeieehegj, nebiekeebie Deewj veteeke& ceW keee&
kej jne nw. ^spejer meesuetMeve kee 10Jeeb keeee&vJeeve [erDeeF&SHemeer ogyeF&,
pees meteer ceW Ske Dee@Hemeesj yeQeEkeie etefve nw, ceW nes jne nw.
efJeeere Je<e& 2013 kes oewjeve Je=ef ceW ye{eslejer SJeb ke[er cegemHeerefle kee
efveeb$eCe hecegKe ceewefke veerefle keer egveewefleeeb LeeR. iele Je<e& kes oewjeve Yeejleere
efjpeJe& yeQke ves jshees oj Deewj efjJeme& jshees oj kees 100 yeerheerSme leke kece efkeee
Deewj meerDeejDeej ceW 75 yeerheerSme keer keewleer kej eueefveefOe kees heYeeefJele
efkeee. Yeejleere efjpeJe& yeQke ves heCeeueer ceW eueefveefOe kees heYeeefJele kejves kes
efueS . 1,27,180 kejes[ kees efJemleeefjle kejves kes efueS Kegues yeepeej
heefjeeueve mebeeefuele efkeS. Ge Ieesef<ele $e+Ce keee&ece SJeb Ge cegemHeerefle
ves veJecyej, 2012 leke efieu cegveeHes hej oyeeye [euee. Fmemes leLee Yeejleere
efjpeJe& yeQke eje ceewefke veerefle ojeW ceW heefjJele&veeW kes efJejece kes keejCe efJeeere
Je<e& 2013 ceW pegueeF& mes efomecyej kes oewjeve 10 Je<e& kee yeQeceeke& efieu
8.05%-8.25% keer esCeer ceW jne. leLeeefhe, Yeejleere efjpeJe& eje efomecyej
2012 ceW Keguee yeepeej heefjeeueve kes hegveie&nCe SJeb peveJejer, 2013 ceW veerefle
41
2012-13
ojeW keer keceer kes yeeo, 10 Je<e& efieu efvecvelece 7.80% hej hengbee peyeefke
Je<e& kes Deble ceW 7.95% jne.
kecepeesj Deee|Leke Je=ef keer he=Yetefce Deewj mejkeej eje jepekees<eere Iees kees
efveebef$ele kejves kes efueS megOeej kes efueS G"eS ieS keoce SJeb GheeeeW kes heefle
Deehekes yeQke keer ^spejer pecee heefleYetefleeeW ves Ge ueeYe efoee nw Deewj Fmekes
efveOee&efjle Deee mebefJeYeeie kes efueS efceleJeeer DeJeefOe kees yeveeS jKee nw.
Je<e& keer Debeflece efleceener ceW js keeEie ee hegve DeejbYe nesves hej en keee&veerefle
yeQke kes efveJesMe ceW Deer Deewmele Deee yeveeS jKeves Deewj efveJesMeeW keer efyeeer
mes Yeer Deer Deee megefveeqele kejves ceW meneeke jner. Iejsuet SmeSueDeej
efveJesMe hej Deewmele Deee 7.76% jner. efJee Je<e& 13 ceW ^spejer ves ` 7,450
kejes[ keer Deee, yeepe/yes ceW Dee|pele keer. peyeefke efveJesMe keer efyeeer Deewj
efJeosMeer cege mes ueeYe eceMe ` 617 kejes[ leLee ` 803 kejes[ jne.
efMe#ee efJemleej kes efueS otjmLe #es$e kes ieeJeeW ceW yeeefuekeeDeeW Deewj
ceefnueeDeeW meefnle
hejceeLe& SJeb kecepeesj Jeie& keer mesJee mes peg[s heefleeqle DemheleeueeW kees
eg kes oewjeve Menero efmeheeefneeW kes heefjJeejeW Deewj Dehebie ngS efmeheeefneeW
kees meneeleeLe&
Je=eece
efJee Je<e& 2013 keer otmejer ceener ceW, efJeosMeer mebmLeeiele efveJesMeeW keer DeeJeke,
mejkeej eje Ieesef<ele megOeej mebyebOeer henueW Deewj Decesefjkeer DeLe&JeJemLee ceW
cetueYetle megOeej kes keejCe FeqkeJeer ceekex kes meWefceW ceW megOeej jne. ^spejer
kes FeqkeJeer DevegYeeie ves Deheves hees&Heesefueees kee meefee Gheeesie efkeee Deewj
efveeefcele Deblejeue hej peye Yeer yeepeej ceW DeJemej efceuee, cegveeHee keceeee.
Ssefleneefmeke peieneW, pewmes yeeieeW, efkeueeW Deewj cebefojeW Fleeefo kee mebj#eCe
efJee Je<e& 2012 kes efueS efJee ceb$eer kes yepe Yee<eCe keer Iees<eCee kes Deveghe
Deehekes yeQke ves, efheues Je<e&, FvHeem^keej #es$e ceW oerIe& keeueerve [wy Heb[
GheueyOe kejeves kes efueS legjble henue keer Deewj osMe kee henuee FveHeem^keej
[wy ]Heb[ cesmeme& Fbef[ee FbHee[wy efueefces[ kee MegYeejbYe efkeee.
MenjeW ceW yeieereeW kees Debieerke=le kejves kes efueS peneb Deehekes yeQke kes veece
kee heeej nes mekes.
heMegDeeW kes heefle etjlee keer jeskeLeece kees ye{eJee osves Jeeues GheeeeW Deewj
heMegDeeW leLee heef#eeeW nsleg efeefkelmeeuee keer mLeehevee SJeb Gvekees eueeves
kes efueS
ieeceerCe #es$eeW ceW meewj Tpee&, ieesyej iewme hueeb pewmes De#ee Jeeues Tpee& kes
eesleeW kes mebJe&ve SJeb Gheeesie kees ye{eves kes efueS
Dehebie JeefeeeW pewmes DebOeeW, ueBie[eW, yenjeW Deewj ietbieeW Fleeefo DeLeJee
Deve efkemeer Dehebielee mes iemle JeefeeeW kees meneelee GheueyOe kejves
Jeeueer mebmLeeDeeW keer meneeleeLe&
meeJe&peefveke #es$e kes yeQkeeW kes efJeosMeer cege DevegYeeieeW ceW Deehekes yeQke keer ^spejer
kee efJeosMeer cege DevegYeeie yeepeej kes ye[s YeeieeroejeW ceW Dehevee mLeeve yeveeS
jKee. heesheeFjer ^seE[ie DevegYeeie, yeepeej keer DeeqmLejlee kee Gheeesie kej
GheueyOe Deee|ye^spe kees Yegveeves ceW meefee Lee Deewj Yeejleere yeepeej kees
heYeeefJele kej jner keef"ve efueeqkeJeef[er eqmLeefle ceW mebmeeOeveeW kee mebienCe
efkeee.
Deehekes yeQke keer ^spejer, efveosMeke ceC[ue eje efveOee&efjle efce[ Dee@efHeme
yeepeej Skemheespej meercee kees JeemleefJeke mecee kes DeeOeej hej cee@efvej kejlee
nw. Jewuet S efjmke (JeerSDeej) peesefKece heyebOeve hewjeceerj meefnle meYeer
hees&Heesefueees hej yeepeej peesefKece kees veeheves kes efueS heeesie ceW ueeee peelee
nw. Fve GheeeeW kees peesefKece vebyejeW hej yewke semie kes meeLe mecee|Lele jKee
peelee nw Deewj kejWmeer hees&Heesefueees leLee efJeefYeVe efveJesMeeW keer m^wme semie keer
peeleer nw.
42
2012-13
Je<e& 2013 kes oewjeve Deefle leveeJehetCe& Deee|Leke efiejeJe kee Deehekes yeQke keer
Deeeqmle iegCeJeee hej keg no leke heYeeJe jne.
Je<e& 2013 ceW Yeejleere yeQkeeW ves meeceeve he mes eqmuehespe keer ye[er IeveeSB
osKeeR. Ssmee Yeejle leLee yeenjer efJeeere yeepeej ceW Yeejer Gleej e{eJe keer
eqmLeefle leLee Je<e& 2013 ceW hetjs Je<e& Ge cegemHeerefle leLee Ge yeepe ojeW kes
keejCe ngDee.
meeceeefpeke veee SJeb meMeeerkejCe mebyebOeer mebmeoere mLeeeer meefceefle kee cegbyeF&
ceW oewje
efJee Je<e& 2013 kes oewjeve, Deehekes yeQke ves efMe#ee, mJeemLe, ceefnuee keueeCe
Fleeefo #es$e kes efJeefYeVe mebie"veeW kees ` 699.74 ueeKe oeve mJehe mebefJeleefjle
efkeS. efeee-keueehe Jeej oeve kee mebefJelejCe Fme hekeej mes nw:
ece efeeekeueehe
mebKee
1.
2.
3.
4.
efMe#ee
mJeemLe
ceefnuee keueeCe
meceepe keueeCe efeee-keueehe
oeveeW keer
mebKee
jeefMe
(` ueeKe)
24.00
4.50
2.00
669.24
13
699.74
Ghejese kes Deefleefje, Deehekee yeQke yesjespeieej egJekeeW kees, ye[ewoe mJejespeieej
efJekeeme mebmLeeve kes ceeOece mes ueeYeoeeke mJejespeieej heehle kejves SJeb
Geefcelee leLee keewMeue efJekeeme kes efueS, efpememes Gvekee SJeb Gvekes heefjJeej keer
Deee|Leke eqmLeefle ceW megOeej nes, Deewj Fve mLeeveeW hej efJeefYeVe #es$eere DeLe&JeJemLee
kees efJekeeme efceues, efveMeguke heefMe#eCe os jne nw. Deehekes yeQke kes meYeer DeieCeer
efpeueeW ceW ye[ewoe mJejespeieej efJekeeme mebmLeeve mLeeefhele efkeS ieS nQ. 31 ceee&
2013 kees Deehekes yeQke keer kegue ................... ye[ewoe mJejespeieej
efJekeeme mebmLeeve nQ.
Deehekes yeQke ves ye[ewoe ieeceerCe hejeceMe& keW Yeer mLeeefhele efkeS nQ efpemeceW %eeve
yeebves, mecemee meceeOeeve Deewj osMe Yej ceW ieeceerCe peveeW kees $e+Ce mebyebOeer
meueen oer peeleer nQ. ieeceerCe peveeW ceW efJeefYeVe efJeeere Deewj yeQeEkeie mesJeeDeeW kes
yeejs ceW peeiekelee ueeves Deewj efJeeere meceeJesMeve keer heefeee ceW lespeer ueeves
kes efueS Deehekes yeQke ves efJeeere mee#ejlee Deewj $e+Ce hejeceMe& keW (S]
HeSuemeermeer) keer mLeehevee Yeer keer nQ. 31 ceee& 2013 kees Deehekes yeQke keer
kegue 45 S]HeSuemeermeer nQ.
Deeeqmle iegCeJeee heyebOeve
oyeeJehetCe& Deee|Leke JeeleeJejCe kes keejCe Deeeqmle iegCeJeee kes eqkeesCe mes
efJee Je<e& 2013 yeQeEkeie Geesie kes efueS egveewleerhetCe& jne nw. leLeeefhe, Deehekes
yeQke ves Deheveer Deeeqmle iegCeJeee kees iebYeerj eme mes yeeeves kes efueS melele
ceeveereEjie Deewj SveheerS hees&Heesefueees ceW Jemetueer peejer jKeer. efHej Yeer, efJee
heefleketue Deee|Leke hewjeceerjeW kes heefjMe kes yeeJepeto, Deehekes yeQke kes
heejeqcYeke Mes<e keer leguevee ceW Je<e& kes oewjeve veS eqmuehespe 2.29% jns. Ge
eqmuehespe keer he=Yetefce ceW 31 ceee& 2013 kees mekeue DeefieceeW keer leguevee ceW
mekeue SveheerS 2.40% jnW. HeuemJehe ceee& 2013 kes Deble leke Meg DeefieceeW
keer leguevee ceW Meg SveheerS kee Devegheele ye{kej 1.28% leke hengBe ieee.
efJee Je<e& 2013 ceW Deehekes yeQke kee $e+Ce neefve keJejspe Devegheele (lekeveerkeer
he mes yes Keeles ceW [eues ieS meefnle) 68.24% jne peesefke meeJe&peefveke #es$e
kes yeQeEkeie GheeceeW keer leguevee ceW Deehekes yeQke mes Dehes#eeke=le Ge mlej hej
nw.
meceer#eeOeerve Je<e& kes oewjeve Deehekes yeQke ves MeeKee, #es$e, Debeue Deewj kee@heexjs
mlej hej Jemetueer SJeb $e+Ce DevegheJele&ve kes efueS {ebes keer hejsKee efveOee&efjle
keer. Fmekes DeueeJee heleske [erDeejer meWj ceW vees[ue DeefOekeeefjeeW kees
efJeefJeOe ceeceueeW keer DevegJeleea keee&Jeener kes efueS ueieeee ieee efpememes efke
ef[eer uesves ceW ueieves Jeeues mecee kees kece mes kece efkeee pee mekes leLee Jemetueer
kees ye{eee pee mekes. [erDeejer met ope& SveheerS KeeleeW ceW Jemetueer kes efueS,
yeQke kees heYeeefjle Deeeqmleeeb Deye F&-yeesueer kes ceeOece mes yeseer pee jner nw
leeefke yeQke kees heYeeefjle DeeeqmleeeW kee mecegefele cetue efceue mekes. Fmekes
Deefleefje, Deewj DeefOeke lespe ieefle mes Jemetueer kejves kes efueS SDeejmeer kees
Jemetueer SpeW kes he ceW efveege efkeee ieee nw Deewj mejkeejer heefjmeceeheke mes
mebheke& meeOeves kes efueS hejeceMe&ke efveege efkeS ieS nQ.
Deehekes yeQke ves SveheerS KeeleeW ceW Jemetueer keer mebYeeJeveeDeeW kee helee ueieeves kes
efueS DevegJeleea keee&Jeener heCeeueer hej ]peesj osvee peejer jKee. ye[er jeefMe Jeeues
SveheerS KeeleeW; pewmes ` 25 ueeKe Deewj Gmemes DeefOeke jeefMe kes KeeleeW keer kee@
heexjs keeee&uee mes meerOes DevegheJele&ve kejves keer heCeeueer mes MeeKeeDeeW ves
JekeerueeW, efjkeJejer SpesveW kes ceeOece mes meIeve keee&Jeener megefveeqele ngF&.
Dele efJee Je<e& 2013 ceW SveheerS KeeleeW ceW vekeo Jemetueer ` 625.57 kejes[
jner. en Je<e& 2012 keer Jemetueer jeefMe ` 580.46 kejes[ keer leguevee ceW
DeefOeke nw. Deheies[sMeve efJee Je<e& 2013 kes oewjeve Je<e& 2012 kes ` 336 kejes[
keer leguevee ceW ` 341 kejes[ jne.
efJee Je<e& 2013 kes oewjeve Deehekes yeQke ves ieeBJe/kemyee mlej hej Jemetueer keQhe
ueieekej leLee ueeske DeoeueleeW kes ceeOece mes ess KeeleeW keer Jemetueer hej
efJeMes<e he mes Oeeve keseqvle efkeee. yeQke ves heeslmeenve hej DeeOeeefjle ``mebkeuhe
V'' Jemetueer eespevee eueeeer, efpememes ess KeeleeW ceW Jemetueer ye{eves kee meYeer
meHe meomeeW kee meeLe&ke heeeme/meneesie efceue mekes. Fme eespevee kes
Debleie&le Ssmes KeeleeW efpeveceW ` 15 ueeKe leke keer jeefMe yekeeee nw, ceW efJee Je<e&
2013 kes oewjeve ` 231 kejes[ keer vekeo Jemetueer keer ieF&.
Deehekes yeQke kes Deefiece heesH& eeseuf eees kee Deeeqmle JeieeakejCe yeks eDehe Fme hekeej nw.
43
2012-13
31 ceee&
2013
31 ceee&
2012
324828.74
286542.59
7982.58
4464.75
332811.32
291007.34
4981.15
2661.82
2628.33
1318.71
373.10
484.22
7982.58
4464.75
metevee heeweesefiekeer
he mes efhe[s Jeie& kes ueesieeW kees Gvekeer Je=eJemLee ceW megjef#ele YeefJe<e
kes efueS Deee|Leke megj#ee keer eespevee) ueeiet kejvee, vejsiee kes Yegieleeve
keer mJeeeefuele heefeee, SveheerSme Deewj ScepeerheerSmeJeeF&Sme ueeYeeLeea
Fleeefo pees[s ieS nQ. Dee@m^sefueee keer efme[veer MeeKee ceW keesj yeQeEkeie
meesuetMeve ueeiet efkeee ieee nQ. meg{ lekeveerkeer huew]Heece& ves Deehekes
yeQke kees Je<e& kes oewjeve 100 JeeR Debleje&^ere MeeKee Keesueves nsleg me#ece
yeveeee nw. Deehekes yeQke kes meYeer #es. iee. yeQke Yeer meeryeerSme huew]Heece&
DeeOeeefjle nQ Deewj pewmee efke Yeejle mejkeej eje DeefOemetefele efkeee
ieee nw, Deehekes yeQke veW meW^ue yeQke Dee@He Fbef[ee Deewj hebpeeye vesMeveue
yeQke kes #es$eere eeceerCe yeQkees keers 350 MeeKeeDeeW kees Deheves Ske #es.
iee. yeQke ceW meHeueleehetJe&ke ceeFies kej efueee nw.
DevegYeJe kees yesnlej yeveeves Deewj heeeseevegketue yeveeves kes efueS Deehekes
yeQke ceW Fbjves yeQeEkeie DeLee&le ye[ewoe kevewke (efjsue hees&ue) kees hetjer
lejn mes veee kej efoee ieee nw. Deehekee yeQke Deheves Fbjves yeQeEkeie
ewveueeW ceW ueieeleej Deewj DeefOeke megefJeOeeSb pees[ jne nw. ye{eF& ieF& Deve
megefJeOeeDeeW, pewmes efJeefYeVe jepeeW kee Deeekej Yegieleeve, heeqece yebieeue
keer mejkeejer kej heeeqhle (peerDeejDeeF&heerSme) kee SkeerkejCe, $e+Ce
KeeleeW ceW pecee, efyeue kee Yegieleeve, heOeeveceb$eer jenle kees<e ceW Dee@veueeFve
oeve, F&-yeQeEkeie kes ceeOece mes Fbef[ee ]Hem& ueeFHe FvMeesjWme kes
heerefceece kee Yegieleeve, F&-yeQeEkeie kes eje DeeF&SceheerSme (lJeefjle
Yegieleeve mesJeeSB) Fme Je<e& pees[s ieF& nQ. Deehekes yeQke keer Fbjves yeQeEkeie
megefJeOee meYeer mcee& Heesve/wyeues hej GheueyOe nw Deewj ieenke kees keneR
Yeer yeQeEkeie keer Deejeceoeeke megefJeOee efceueleer nw. Fme Je<e& kes oewjeve
meYeer 13 efJeosMeer kesveW DeLee&le leb]peeefveee, etieeb[e, kesvee, cee@jerMeme,
mesMesume, yeeslmeJeevee, vet]peerueQ[, etSF&, efHepeer ceW Fbjves yeQeEkeie eeuet
kej oer ieF& nw Deewj etkes, Deesceeve leLee Ieevee ceW uesveosve DeeOeeefjle SJeb
Dee@m^sefueee ceW Jet DeeOeeefjle Fbjves yeQeEkeie eeuet keer ieF& nw. yeQke
heeeesefpele meYeer #es$eere ieeceerCe yeQkeeW ceW Jet DeeOeeefjle F&-yeQeEkeie GheueyOe
kejeF& ieF& nQ. Fbjves yeQeEkeie ceW efJeeeme Deewj megj#ee ye{eves kes efueS
Deehekes yeQke ves Yeejle Deewj 5 efJeosMeer kesveW DeLee&le etSF&, etkes, vet]
peerueQ[, kesvee Deewj etieeb[e ceW oesnje heeefOekeej leLee ee@[ cewvespeceW
meesuetMeve yeneue kej GVele megj#ee JeJemLee DeejbYe keer nw Deewj Fmes
SDeejmeerDeeser Deeserheer, heeretSueSue Deeserheer Deewj SmeSceSme Deeserheer
me#ece yeveeee nw.
44
Deehekes yeQke ves uesveosve DeeOeeefjle F&-yeQeEkeie ueeiet efkeS ieS Mes<e 6 efJeosMeer
kesveW ceW Yeer ee@[ cewvespeceW meesuetMeve yeneue kejves kee keece Meg kej
efoee nw. Deehekes yeQke ves Decesefjkeer #es$e kes efueS Jet DeeOeeefjle Fbjves
yeQeEkeie, F&-yeQeEkeie kes ceeOece mes heerheerS]He, etSF& kes efueS Fbjves
yeQeEkeie kes ceeOece mes Deblej yeQke efveefOe DeblejCe Yeer DeejbYe efkeee ieee.
Deehekee yeQke eje heeeesefpele #es$eere ieeceerCe yeQkeeW ceW Yeer oesnjs heeefOekeej
Jeeues uesveosve DeeOeeefjle Fbjves yeQeEkeie megefJeOee ueeiet kejves hej efJeeej
kej jne nw.
JeeheeefjeeW Deewj Fbjves kes ceeOece mes Kejeroejer kejves JeeueeW eje
megjef#ele Deewj mebjef#ele Dee@veueeFve Kejerooejer kes efueS [sefye
kee[&/esef[ kee[& mebyebOeer Fbjves hesceW iesJes ye[er mebKee ceW heoeve
efkeS pee jns nQ.
Deehekes yeQke kes ieenkeeW kees vekeoer heyebOeve heCeeueer, Jesye DeeOeeefjle
mebhetCe& vekeoer heyebOeve kee meeOeve GheueyOe kejeleer nw efpemeceW heeeqhle
heyebOeve (mebienCe), Yegieleeve heyebOeve Deewj FvJeeFme heyebOeve (heehe Deewj
ose heyebOeve) Meeefceue nQ.
Deehekes yeQke kes esef[ kee[& heefjeeueve kes efueS veF& efJemle=le heyebOeve SJeb
meneelee kes efueS esef[ kee[& heyebOeve heCeeueer ueeiet keer ieF& nw.
SerSce
Yeejle ceW efJeosMeer cege keejesyeej kes efueS DeefOeke=le meYeer MeeKeeDeeW Deewj
Fme Je<e& etkes Deewj Dee@m^sefueee kees Fmeces Meeefceue kejves kes meeLe meeLe
Deye 22 efJeosMeer kesveW meefnle efJeeYej ceW Deblej yeQke efJeeere meches<eCe
kes efueS eqmJeHe megefJeOee GheueyOe nw.
Deehekes yeQke kes yesnlej efve<heeove, lJeefjle SerSce uesveosve SJeb Deemeeve
SerSce hemeej Fme Je<e& ne[&Jesej Deheies[sMeve kes meeLe Deehekes yeQke kes
SerSce eqmJee kees pewmeer keF& GVele efJeMes<eleeDeeW kes meeLe Gelej Jepe&ve
ceW Deheies[ efkeee ieee. Yeejle, etSF&, Deesceeve, cee@jerMeme, ef]Hepeer, leb]
peeefveee, yeeslmeJeevee, ef$eefveoeo SJeb esyesiees leLee vet]peerueQ[ ceW SerSce
eqmJee Deheies[ efkeS ieS. Je<e& kes oewjeve ieenke keseqvle keF& henueW pewmes
hes SerSce kee[&, hes heerDeesSme Deewj hes kesmeermeer kee[&, yeeGve uesyeue
SerSce, Fbef[ee ]Hem& ueeFHe FvmeesjWme hee@efuemeer OeejkeeW kes efueS
SerSce eje yeercee heerefceece kee Yegieleeve, SerSce DeblejCe jmeero kee
efnvoer ceW cegCe, iegpejeleer, ceje"er Deewj leefceue Yee<ee ceW mes #es$eere Yee<ee
meerve kee egveeJe, eqnerve JeefeeeW kes efueS yeesueves Jeeuee SerSce,
Yeejle ceW SerSce/heerDeesSme ceW ee@[ cewvespeceW meesuetMeve ueeiet efkeS ieS.
Deehekes yeQke ves Deheves #es$eere ieeceerCe yeQke ceW Yeer hes SerSce Deewj hes
kesmeermeer kee[& meHeueleehetJe&ke ueeiet efkeee nw.
Deehekes yeQke ves keg Deewj ieenke keseqvle henueW keer nQ, pewmes SerSce kes
eje legjble Yegieleeve mesJee (DeeF&SceheerSme), SerSce meerve ceW #es$eere
Yee<eeDeeW (ceueeeuece, lesuegiet, keVe[, yebieeueer kes efueS) kee eeve,
SerSce eje eske yegke kee DevegjesOe, SerSce eje SveF&S]Heer, hes
F&- kee@ceme&, uesveosve veneR nesves Jeeues kee[& kes efueS ceuer-Hewkej
heceeCeerkejCe, etSF& ceW Jeerpee [sefye kee[&, ef]Hepeer kes efueS yeerSmeheer (yeQke
meeGLe hewefmeefHeke) FbjeWpe, SerSce kes ceeOece mes heer-hew[ kee[& kee
Yegieleeve, Yeejle, Deesceeve Deewj cee@jerMeme ceW efehe DeeOeeefjle kee[& ueeiet
kejvee, kee[& mes kee[& ceW efveefOe DeblejCe, SerSceeW kes ceeOece mes efyeueeW
kee Yegieleeve Fleeefo.
Yegieleeve leb$e
2012-13
Deehekes yeQke keer meYeer MeeKeeDeeW (pees meeryeerSme mecee|Lele nQ) ceW
DeejerpeerSme Deewj SveF&S]Heer kes ceeOece mes Deblej yeQke Oevehes<eCe neslee
nw. Deehekes yeQke kes Fbjves yeQeEkeie hees&ue ceW Yeer DeejerpeerSme Deewj
SveF&S]Heer Meg kej oer ieF& nw. yeQke Deewj #es.iee. yeQke oesveeW ceW ner m^s
Yeejle ceW meYeer DeefOeke=le MeeKeeDeeW leLee Fme Je<e& etkes Deewj Dee@m^sefueee
kees Fmeces Meeefceue kejves kes meeLe meeLe 22 efJeosMeeW kesveW ceW hesceW
cewmeseEpeie meesuegMeve ueeiet efkeee ieee nQ. heerSmeSme kes ceeOece mes
meeryeerSme eje eqmJeHe ceevekeeW kes Deveghe leweej eqmJeHe mebosMeeW keer
JewOelee SJeb Hee@cexeEie keer megefJeOee heehle nesleer nw Deewj en SSceSue peebe
mes Yeer iegpejlee nw.
cegbyeF& ceW Dee@escess[ eske heesmeseEmeie keW (DeeJeke SJeb peeJeke) kee
MegYeejbYe efkeee ieee Deewj heespeske veJeefvecee&Ce kes Debleie&le efyepevesme
heesmewme jer-FbpeerefveeeEjie kes Yeeie kes he ceW Fme Je<e& metjle Deewj
Denceoeyeeo kees Yeer FmeceW pees[e ieee nw.
Fme Je<e& efJeefveeeceke Devegheeueve nsleg, Yeejle SJeb yesequpeece kees pees[kej
22 efJeosMeer kesveW hej Sber ceveer ueeWef[^vie kees keeee&eqvJele efkeee ieee nw.
Deehekes yeQke ves peesefKece heyebOeve meesuetMeve Yeer keeee&eqvJele efkeee nw.
Deehekes yeQke ves Deheveer meYeer heeeesefpele #es. iee. yeQke ceW Hespe 1 kes
Debleie&le Sber ceveer ueeWef[^vie keeee&eqvJele efkeee nw Deewj Sber ceveer ueeWef[^vie
Hespe 2 heefeeeiele nw.
Deve henueW
Deehekes yeQke ves ieenke kees yesnlej mesJeeSB GheueyOe kejves kes GsMe mes
veF& henue kes he ceW ieenke mebyebOe heyebOeve keeee&eqvJele efkeee nw. efpemeceW
ieenkeeW keer meblegeq Deewj efvee kees yesnlej yeveeves kes efueS GvnW mebheke&
45
2012-13
kesveW hej Heesve eje megefJeOeeSb oer peeleer nQ. ceewpetoe ieenke/mebYeeefJele
ieenke esue Heer vebyej (1800223344 SJeb 18001024455) hej mebheke&
kej mekeles nQ peneb efvecveefueefKele megefJeOeeSb GheueyOe nQ:
Deehekes yeQke kes keejesyeej efJekeeme ceW keee&veerefleke efveCe&e uesves ceW
ceooieej meeefyele nesleer nw Deewj GeceeW keer mecesefkele efjhees& Yeer GheueyOe
kejeleer nw.
Yeejle ceW Deehekes yeQke kes meYeer keeee&ueeeW ceW keWereke=le hes-jesue, Jesleve
cee@[etue, F&-er[erSme cee@[etue SJeb DeJekeeMe cee@[etue keeee&eqvJele efkeS
ieS nQ.
Deehekes yeQke ves JeeJemeeefeke keee&veerefle keer Ske henue kes he ceW
ueeerueer SJeb keee&veerefleke meteveeDeeW kee FbjSeqkeJe eesle heoeve kejves
kes efueS [ee Jesej neGme, ieenkeeW kees yesnlej lejerkes mes mecePeves kes
efueS ieenke mebyebOe heyebOeve SJeb etefve]Heesce& kemcej Jet Deee@me ewveue
heejcYe efkeS nQ.
Deehekes yeQke eje keee&veerefle kes Ske Yeeie kes He ceW Deemeeveer mes
cenlJeHetCe& metevee GHeueyOe kejeves nsleg [seJesDej neTme, eenkeeW kees
mecePeves SJeb meYeer ewveueeW Hej meceHe eenke o=ef<keesCe DeHeveeves kes
efueS eenke mebyebOe eyebOeve kees DeHeveeee nw.
Deehekes yeQke kes GlheeoeW Deewj mesJeeDeeW kes yeejs ceW ceewpetoe ieenke/heleeefMele
ieenkeeW kees Deve peevekeejer Yeer GheueyOe kejeF& peeleer nw. meerDeejSce SeqhuekesMeve
kees efyeeer keeee&ueeeW pewmes efjsue ueesve Hewke^er (DeejSueS]He) Deewj efmeer mesume
Dee@efHeme (meerSmeDees) mes Yeer pees[e ieee nw. efpemeceW ieenkeeW eje mebheke& kesveW ceW
Glheeo mebyebOeer keer ieF& hetlee kes DeeOeej hej ueer[ leweej efkeee peelee nw Deewj
Fmes Fve keeee&ueeeW ceW Deieueer keee&Jeener nsleg Yespee peelee nw.
Deehekes yeQke ves ceewpetoe SeqhuekesMeve pewmes efJeefvecee, GVele efJeMes<eleeDeeW kes
meeLe F&-efyepevesme met, meceie ieenke mebyebOe heyebOeve, SeDeejSveF&Sme
Deewj GeceJeej ceneyener cee@[etue kees Deheies[ efkeee nw.
Deehekes yeQke ves mebheke& kesveW kes ceeOece mes Jemetueer keer heefeee Yeer hetjer kej
ueer nw efpemeceW ieenkeeW kees Gvekeer F&SceDeeF& Deewj ose jeefMe kes yeejs ceW metefele
efkeee peelee nw. Fmemes ieenkeeW kees ose efleefLe hej F&SceDeeF&/ose jeefMe pecee
kejves ceW megefJeOee nesleer nw.
efJeeere meceeJesMeve kees meHeue yeveeves nsleg keejesyeej heefleefveefOe eje Dee@
veueeFve Deewj Dee@HeueeFve oesveeW ceeOeceeW mes Keelee Keesueves Deewj uesveosve
nsleg, metevee heeweesefiekeer megefJeOeeSb efJekeefmele keer ieF& nw. efJeeere
meceeJesMeve nsleg heeeue DeeOeej hej iegpejele, Gej heosMe SJeb efyenej ceW
ceesyeeFue Jeenve eje yeQeEkeie mesJee heejcYe keer ieF& nw.
Deehekes yeQke ves yesnlej Deewj lJeefjle ieenke mesJee kes GsMe mes ueesve
heesmeseEmeie (efjsue, ke=ef<e Deewj SmeSceF&) cee@[etue kees hetCe& he mes
mJeeeefuele kej efoee nw. Deehekee yeQke DeeJeeme $e+Ce, Dee@es $e+Ce SJeb
efMe#ee $e+Ce kes efueS eEmeieue eqkeueke Dee@veueeFve $e+Ce DeeJesove Heerej
GheueyOe keje jne nw.
Deehekee yeQke efce[-kee@heexjs Deewj kee@heexjs ieenkeeW kes ueesve heesmeseEmeie kees
mJeeeefuele kejves pee jne nw.
Deehekes yeQke kes Kegoje Deewj kee@heexjs ieenkeeW kees efjsue ef[hee@ef]pejer
mesJeeSB GheueyOe kejeF& pee jner nQ. SveSme[erSue Deewj meerSme[erSue oesveeW
ner kes efueS ef[hee@ef]pejer mesJeeSB GheueyOe kejeves kes efueS MeeKeeDeeW kees
keWereke=le ef[hee@ef]pejer SeqhuekesMeve mes meeqppele efkeee ieee nw. Dee@
veueeFve ^seE[ie heCeeueer eje Deehekee yeQke Deheves ieenkeeW kees Dee@veueeFve
mesJeeDeeW kee Ske mechetCe& mes GheueyOe keje jne nw efpememes ieenke
FeqkeJeer, cetegDeue ]Heb[, yee@C[dme Deewj eejbefYeke heeqyueke Dee@Hej
(DeeF&heerDees) pewmes FvmceW keer ^seE[ie kejles nQ.
Deehekes yeQke keer mesJeeDeeW keer meghego&ieer kees yesnlej yeveeves kes efueS efmeer
yewke Dee@efHeme Deewj jerpeveue yewke Dee@efHeme ceW yewke Dee@efHeme HebkeMeve kees
keWereke=le efkeee ieee nw. Deehekes yeQke ceW Deye kegue 70 efmeer yewke Dee@
efHeme Deewj 10 jerpeveue yewke Dee@efHeme nw. Jeefeiele DeeOeej hej eske
yegke peejer efkeee peevee Yeer keWerke=le efkeee ieee nw. Deehekes yeQke ves
keWerke=le S]HemeerSveDeej heefjeeueve kee Yeer MegYeejbYe efkeee nw.
heefjeeueve ueeiele kece kejves SJeb yesnlej efveefOe heyebOeve nsleg etkes etSF&,
yeneceeme, yenjerve, ne@biekeebie, eEmeieehegj, yesequpeece Deewj Yeejle ceW
Skeerke=le iueesyeue ^spejer meesuetMeve kees keeee&eqvJele efkeee ieee nw.
Gece Jeej ceneyener meesuetMeve keeee&eqvJele efkeee ieee nw. en megefJeOee
46
metevee megj#ee
eeweesefiekeer mes mebyeefOele KelejeW kes cesvepej meceer#eeOeerve Je<e& kes oewjeve
Ske meg{ metevee megj#ee heyebOeve heCeeueer mLeeefhele keer ieF& nw. yeQke ves
Deheves keesj yeQeEkeie meesuegMeve leLee Deve meYeer SeqhuekesMeveeW, meeLe ner
[ee meWj Deewj ef[peemej efjkeJejer meWj FveHeem^keej kee yeenjer
SpeWmeer mes Dee@ef[ kejeee nw.
Deehekes yeQke ves GVele metevee heeweesefiekeer megj#ee kes efueS Ske megj#ee
heefjeeueve keW (SmeDeesmeer) mLeeefhele efkeee nw.
Deehekes yeQke kee [ee meWj Deewj ef[peemj efjkeJejer meWj oesveeW ner
DeeF&SmeDees 27001 eje heceeefCele nw.
Fbjves yeQeEkeie, SerSce leLee heerDeesSme kes efueS Deehekes yeQke ves ee@[
cewvespeceW meesuetMeve keeee&eqvJele efkeee nw. Fbjves yeQeEkeie ceW megj#ee
Deehekes yeQke ves megj#ee Gheee kes he ceW, Deheves meYeer ieenkeeW eje
Jewkeequheke [sueerJejer ewveue kes ceeOece mes efkeS ieS meYeer DeblejCe Deewj `
5000/- Deewj Gmemes DeefOeke jeefMe kes meYeer meeryeerSme uesveosveeW kes efueS
SmeSceSme Deue& ef[ueerJejer megefJeOee Yeer keeee&eqvJele keer nw.
Deehekes yeQke ves ieenkeeW kes efnleeW keer j#ee kes efueS MeeKeeDeeW ceW nes jns
mebefoiOe DeblejCeeW keer efove heefleefove efveiejeveer kes efueS ee@[ efjmke
cewvespeceW efmemce keeee&eqvJele efkeee nw.
peyeefke meeFyej Dewke Deye Deewj DeefOeke DeheleeefMele nes iees nQ Deewj
Fueske^esefveke DeblejCe veS hekeej kes ogheeesieeW kes heefle mebJesoer nes mekeles
nQ, en DeleeJeMeke nes ieee nw efke yeQke Deye Ssmes KelejeW mes yeeves kes
efueS leLee vegkemeeve kees vetvelece /Metve kejves kes efueS keg vetvelece
peebe Deewj meblegueve keeece kejW. vegkemeeve kees veetvelece kejves kes efueS
Deehekes yeQke ves efvecveefueefKele Deefleefje megj#ee Gheee efkeS nQ Deewj Fmes
MeerIe ner DeejbYe efkeee peeSiee:
meYeer veS [sefye Deewj esef[ kee[& leye leke kesJeue osMeer Gheeesie kes
efueS peejer efkeS peeSbies peye leke efke ieenke Debleje&^ere Gheeesie
nsleg efJeMes<e He mes ceebie ve kejW.
ceewpetoe cewiem^erhe kee[& kees F&SceJeer efehe kee[& ceW heefjJee|lele efkeee
peeSiee.
2012-13
hele#e ueeYeeLeea DeblejCe kes Debleie&le Deehekes yeQke ves kesvere heespeske
eespevee efveiejeveer heCeeueer (meerheerSmeSceSme) kes Debleie&le kes meeLe Ske
Deewj heespeske DeejbYe efkeee nw.
F&-efyepevesme
Fme Je<e& Deehekes yeQke ves efJeefYeVe hekeej kes [sefye kee[&, pewmes ceeFm^es
efheve [sefye kee[& Deewj hes [sefye kee[& kee MegYeejbYe efkeee nw. Fmekes
Deefleefje, Deehekes yeQke ves veS hekeej kee heer hew[ kee[& DeLee&le ye[ewoe
^wJeue F&]peer etSme [e@uej ^wJeue kee[& kee Yeer MegYeejbYe efkeee nw.
pegueeF& 2012 ceW Deehekes yeQke ves efjsue ieenkeeW kes efueS Dee@veueeFve ^seE[ie
keer megefJeOee kee MegYeejbYe efkeee nw.
efJee Je<e& 2013 kes oewjeve F&-efyepevesme efJeYeeie kes efJeefYeVe DevegYeeieeW kee
heoMe&ve veeres meejCeerye nw:
efJeJejCe
2012
2630
618
80.44
103.76
23.32
efJeJejCe
heeeseeDeeW keer mebKee
mecye KeeleeW keer
mebKee
31/03/2012 31/03/2013
Je<e& kes
oewjeve Je=ef
810430
1076635
266205
3249216
4579969
1330753
47
2012-13
efJeJejCe
DeeJeke
mebJeJenejeW keer
mebKee
peeJeke
mebJeJenejeW keer
mebKee
Debelf ece ceen DeLee&le
ceee& kes oewjeve
heelf eefove Deewmeleve
(DeeJeke) mebJeJenej
heelf eefove
Debeflece ceen
DeLee&le ceee& kes
oewjeve heefleefove
Deewmeleve (peeJeke)
mebJeJenej
heefleefove
2011-12
SveF&SHeer
DeejerpeerSme
SveF&SHeer
16,62,070
61,37,139
21,83,550
1,31,42,497
21,47,527
29,48,252
27,45,872
53,77,922
7,720
28,376
9,929
76,361
13,211
11,713
25,092
[sefye kee[& kes DemeHeue mebJeJenej keer efMekeeele mebheke& keW kes ceeOece
mes hebpeerke=le kejves keer MegDeele keer ieF&.
2012-13
DeejerpeerSme
9,338
SveDeejDeeF& ieenkeeW kes efueS yeQeEkeie kees Deewj megefJeOeepeveke yeveeves kes efueS Debeue
keeee&uee, ueKeveT ceW heLece kee@bske meWj kee MegYeejbYe
Deehekes yeQke kes oes DebeueeW cegKele ye=no cegbyeF& Debeue Deewj Gejer Debeue
ceW Dehewue, 2013 ceW efjsue $e+Ce keer Jemetueer (F&SceDeeF&) F&meerSme kes
ceeOece mes heeeesefieke leewj hej MegDeele keer ieF&.
Deehekes yeQke ceW mebheke& keW kes ceeOece mes efMekeeeleeW kes hebpeereve
(SmeheerpeerDeejSme hees&ue) keer MegDeele keer ieF& nw.
efJee Je<e&, 2013 kes oewjeve yeermeerSceSme ceW mebJeJenejeW keer kegue mebKee
efJee Je<e&, 2012 ceW 14.19 ueeKe keer leguevee ceW 30.91 ueeKe jner,
meeLe ner kegue ve&DeesJej efJeeere Je<e&, 12 kes .10,355 kejes[ keer
leguevee ceW .27,480.62 kejes[ jne. efJee Je<e&, 2013 kes oewjeve
.97.27 ueeKe kee ueeYe Dee|pele efkeee ieee.
ieenkeeW keer kegue mebKee 31.03.2012 kes 206 mes ye{kej 31.03.13
kees 308 nes ieF&.
meYeer ye[ewoe veskem MeeKeeDeeW ceW mJeeb mesJee heemeyegke eEhej efkeeesmke
kees ueieevee.
Fve mesJeeDeeW kees eefceke leewj hej 100 Deewj keWeW hej efJemleeefjle efkeS
peeves kee hemleeJe nw.
e@eEkeie SerSce
ye[ewoe ^wJesue F&peer egSme [e@uej ^wJesue kee[& kee MegYeejbYe efkeee ieee.
48
31 ceee& 2013 leke, kegue 148 ceeXeW kee hebpeerkejCe efkeee ieee pees
efke 31 ceee&, 2012 leke 124 Lee. efJee Je<e&, 13 kes oewjeve kegue
ve&DeesJej .50.85 kejes[ jne. efJee Je<e&, 2013 kes oewjeve Fme keee&
mes .65.68 ueeKe kee ueeYe Dee|pele ngDee.
keegSveS keer ceoo mes (hebpeerke=le ieenkeeW kes efueS) megefJeOeepeveke uee@ie
Fve efyevee Jeve-eFce-heemeJe[& kes heoeve kejvee.
"ye[ewoe
mebheke& keW
Jesye ew
SmeSceSme/Jee@eme/F&-cesue yueem.
ceeveJe mebmeeOeve
ueeYeeesie Deewj iegCeelke efJekeeme kes efueS ceeveJe mebmeeOeve kee efJekeeme Deehekes
yeQke keer meceie keee&veerefle kee Ske mebJesoveMeerue Ieke nw.
Deepe, Deehekes yeQke kes heeme me#ece Je DeleefOeke hesefjle ueieYeie 43,108
kece&eeefjeeW kee DeeOeej nw efpemeves yeQke kes Jeeheke JeJemeeefeke heefjeeueve
kees mebYeeue jKee nw.
Deehekes yeQke ves yeQke ceW mebege SJeb efpeccesoej ceeveJe mebmeeOeve mebmke=efle yeveeves
kes efueS yengle ner meblegefuele kece&eejer veerefle DeheveeF& nw pees efJekeeme kees ye{eves
Deewj Deepe kes mecee keer efJeefYeVe egveewefleeeW pewmes ye[er mebKee ceW mesJeeefveJe=efe,
ye[er mebKee ceW heefleYeeDeeW keer Yeleea, heefMe#eCe keer JeeHeke DeeJeMekelee Deewj
2012-13
GejeefOekeej keer mecemee Je Glheeokelee kee meecevee kej mekes. heespeske mheMe&
pewmeer Devet"er SJeb mechetCe& Geesie peiele ceW DeoYegle ceeveJe mebmeeOeve heeblejCe
heespeske kes ceeOece mes Ske Jeeheke SeDeej keee&veerefle Deewj {ebee yeveeee
ieee nw.
ceeveJe mebmeeOeve heeblejCe keer en ee$ee Deiemle, 2011 ceW Meg ngF& Deewj
efheues Ske Je<e& ceW Deehekes yeQke ves Deveske cenlJehetCe& SeDeej henueW Meg keer
nQ. pees efke YeefJe<eesvcegKe nQ Deewj yeQke Dee@]He ye[ewoe kees Gmekes kece&eeefjeeW kes
efueS Ske yesnlejerve peien yeveeves kes efueS DeejbYe keer ieF& nQ. Fmekes efueS
Deehekee yeQke es SeDeej veerefleeeb Je heefeee efvee|cele kejvee eenlee nw
efpemekes ceeOece mes en Deve meYeer yeQkeeW kes efueS DeeoMe& yeve mekes, Deheveer
ceeveJe hetbpeer kee DeefOekelece ueeYe G"e mekes Deewj kece&eejer keer Glheeokelee ceW
DeefOeke megOeej uee mekes.
heefleYee heyebOeve JeJemLee kee ie"ve yeQke ceW Deieueer esCeer kes vesle=lJe kees
leweej kejvee
Deehekes yeQke ves YeefJe<e keer Deieueer hebefe kes vesle=lJe efJekeeme kes efueS heefleYee
heyebOeve heCeeueer keer mLeehevee kes eje Ske ye[e keoce G"eee nw peesefke YeefJe<e
kes ueer[me& keer heneeve kejlee nw leeefke Deieues heebe Je<eeX ceW vesle=lJe Deblejeue mes
G"ves Jeeues peesefKece kees heYeeJeer {bie mes kece efkeee pee mekes Deewj ueer[me& kees
Ske JeJeeqmLele efJekeeme SpesC[e kes ceeOece mes heefMeef#ele efkeee pee mekes.
JeJeeqmLele Je megieef"le heefeee kes ceeOece mes yeQke ves ueieYeie 15.0% mes
20.0% ueesieeW kees, pees efJeefYeVe mkesue kes DeefOekeejer pewmes mkesue-III, IV,V Deewj
VI ceW nw, YeefJe<e kes ueer[j kes he ceW eeefvele efkeee. Gve ceW mes heleske kes
efuees heefMe#eCe eespevee yeveeF& ieF& nw. Fme heesmesme kees Jeee|<eke keee& kee he
efoee ieee nw efpememes eeefvele ueesieesb kes hetue Deewj efJeefYeVe heefleYee heyebOeve
ieefleefJeefOeeeW keer ueieeleej meceer#ee keer pee mekes SJeb heefj<ke=le efkeee pee mekes.
Deheveer lejn kes henues "ye[ewoe Jeee|<eke ueer[jMeerhe meccesueve" keer DeJeOeejCee
leweej keer ieF& efpememes heefleYee hetue kes meomeeW kes yeQeEkeie Deewj Geesie keer
heJe=efeeeW kes mebyebOe ceW eqkeesCe kees Jeeheke yeveeee pee mekes Deewj GvnW Deheves
meneesefieeeW Je yeQkeeW ceW Jeefj vesle=lJe mes peg[ves ceW ceoo efkeee pee mekes. Fme
lejn kee henues meccesueve kee Deeeespeve cegbyeF& ceW 11 12 Deiemle 2012 kees
ngDee
keeheexjs keeee&uee, cegbyeF& ceW 8 ceee& 2013 kees Debleje&^ere ceefnuee efoJeme hej Ske efJeMes<e
keee&ece Deeeesefpele efkeee ieee.
49
2012-13
Deehekes yeQke eje ceeveJe Meefe keer pejle kee helee ueieeves kes efuees Ske
meMee ceeveJe Meefe Deeeespevee cee@[ue kee efJekeeme efkeee ieee nw, Fmekeer
ceoo mes Deehekes yeQke ves Deieues keg Je<eeX kes efueS veereflehejke eceMeefe
Deeeespevee DeejbYe keer nw efpememes efJeefYeVe Deve SeDeej keee& pewmes Yeleea
Deeeespevee, kewefjej GVeefle, efjefeeeb Je heomLeehevee Je lewveeleer ceW ceoo efceue
mekes.
ye[ewoe ceefCeheeue mketue Dee@He yeQeEkeie Hem& [s, Hem& DeeJej hees[eqkeefJeer
cee@[ue hej efJeeee|LeeeW kees yeQke Dee@]He ye[ewoe ceW yeQeEkeie kewefjej kes efueS GvnW
heefMeef#ele kejves kes efueS yeQke Dee@]He ye[ewoe Deewj ceefCeheeue iueesyeue SpetkesMeve
keer mebege henue nw. efJeeeLeea Ske Je<eeae mebkeWefle keee&ece kes lenle
heefMe#eCe heehle kejles nQ peesefke yeQke keer DeeJeMekeleeDeeW kes Deveghe leweej
efkeee ieee nw Deewj nceejs yeQke ceW heesyesMevejer DeeefHemej kes he ceW efueS peeves
kes henues Jes yeQeEkeie Je efJee ceW heesm-iespegS ef[hueescee neefmeue kejles nQ.
Deehekes yeQke ves Ske mhe heefjYeeef<ele Yeleea veerefle leweej keer nw peesefke efJeefYeVe
ewveueeW mes Yeleea kees Jeeheke DeeOeej osves, veereflehejke ece Meefe Deeeespevee
kes Devegmeej GYej jner DeeJeMekeleeDeeW kees Oeeve ceW jKeles ngS ye[er mebKee
ceW Yeleea kejves leLee veeres yeleees ieS Devegmeej mhe heefjYeeef<ele efveeespeke
hemleeJeke Meyo "F I R S T" keer mebkeuhevee efJeMes<e yeue oslee nw.
Ske efJeMes<e he mes leweej "kewefjej hees&ue" kee MegYeejbYe yeQke keer JesyemeeF
hej efkeee ieee pees Fme cetue DeJeOeejCee kees heefjYeeef<ele kejlee nw efke keeeW
Deehekee yeQke efkemeer heYeeJeer DeeJesoke kes efueS hemeboeroe peien nw, kewefjej heeLe
keee nw, GheueyOe Yeleea kes ewveue keewve mes nQ. FmeceW yeQke Dee@]He ye[ewoe ceW keece
kejves kes efJeefYeVe henueg Deewj yeQke Dee@]He ye[ewoe mes ceewpetoe kece&eeefjeeW kes
DevegYeJe Je=leeble kee meceeJesMe nw. meYeer keee&veerefleeeb yeQke kes efveeespeke kes he
ceW yeebef[ie megOeejves kes efueS leweej keer ieF& nQ.
en veJeesvces<eer mebmeeOeve ewveue efJeeere Je<e& 2012 kes oewjeve Meg efkeee ieee
Lee Deewj Ske Je<e& kes hee"eece kees hetCe& kejves kes yeeo, efJeeee|LeeeW ves efJeeere
Je<e& 2013 kes yeeo mes yeQke kees pJee@Fve kejvee Meg efkeee. 526 efJeeee|LeeeW
kes ueieYeie leerve yewe henues ner yeQke pJee@Fve kej egkes nQ. peyeefke Jele&ceeve ceW
ueieYeie 864 efJeeee|LeeeW kes Deve 4 yewe Gheeg&e Ske Je<eeae hee"eece ceW
Yeeie ues jns nQ.
DeOe#e SJeb heyebOe efveosMeke eer Sme.Sme.cetbo[e ye[ewoe ceefCeheeue mketue Dee@He yeQeEkeie
kes efJeeee|LeeeW kees mebyeesefOele kejles ngS.
ye[er mebKee ceW Yeleea ngS veS Yeleea efkees ieS meHe meomeeW kees eLeemebYeJe
Deuhemecee ceW egveewefleeeW kee meecevee kejves nsleg Glheeoke yeveeves kes efueS
heefjeeueveelceke Deewj meebmke=efleke DeJeeJeeW, oesveeW kees Meeefceue kejles ngS
Deehekes yeQke ves yesno megieef"le Dee@ve yeese\[ie keee&ece keer MegDeele keer
nw, peesefke GvnW, keee& kees legjble kejves ceW meceLe& yeveeleer nQ Deewj yeQke keer
meebmke=efleke kees Deelcemeele kejves ceW Gvekeer ceoo Yeer kejlee nw.
50
2012-13
en keee&ece vesle=lJe kes leerve cee@[etume ueereE[ie mesuHe, ueereE[ie Deome& Deewj
ueereE[ie efyepevesme kes DeeOeej hej leweej efkeee ieee nw Deewj FveceW mes heleske
cee@[etume Dee@He meeF FJeWme keeseEeie eqkeueefveke kes mecevJee kes peefjS
mebyeesefOele efkeee pee jne nw. Fme keee&ece ceW efJee Je<e& 2012 kes oewjeve
Deehekes yeQke kes meele DebeueeW ceW 960 heefleYeeefieeeW kees meeqcceefuele efkeee ieee
Deewj efJeeere Je<e& 2013 ceW Deefleefje 760 heefleYeeefieeeW kees otmejs heebe yeQkeeW
ceW Meeefceue efkeee ieee. efkemeer Yeer Yeejleere meeJe&peefveke yeQke kes efueS Fme
lejn kee ye[e Deewj Jeeheke vesle=lJe efJekeeme heeeme Deheves Deehe ceW heLece nw.
SeDeej eeweesefiekeerr kee keeee&vJeeve
Deehekes yeQke ves kece&eejer mesJeeDeeW kes efueS Ske yengle ner efJeMes<e SeDeej
lekeveerkeer huesHeece& leweej efkeee nw, efpemeceW SeDeejSce, heefMe#eCe, hesjesue
Je ger kes cee@[etue nQ efpemes ceeveJe mebmeeOeve vesJeke& (SeDeejSveF&Sme) veece
efoee ieee nw. Fme lekeveerkeer huesHeece& mes efJeefYeVe SeDeej keeeeX kees
mJeeeefuele kej efoee ieee nw Deewj Je<e& kes oewjeve efJeefYeVe cee@[etue/ efJeefYeVe
veF& heefeeeDeeW kees mJeeeefuele/efeeeeqvJele efkeee ieee.
Yeleea DeefYeeeve
Deehekee yeQke Je<e&-oj-Je<e& DeeOeej hej mesJeeefveJe=efe, JeJemeee efJekeeme kees
yeveeS jKeves Je leerJe MeeKee efJemleej hej efJeMes<e Oeeve osles ngS Yeleea kes efJeMes<e
heeeme kej jne nw. Deehekes yeQke keer ece Meefe mebyebOeer mecemee kees otj kejves
kes efueS Je<e& kes oewjeve Yeleea kes efueS efJeefYeVe hejer#eeDeeW kee Deeeespeve efkeee
ieee. Deehekes yeQke keer oesveeW ner lejn keer pejleeW - meeceeve he mes veewkejer
es[kej peevesJeeuees keer peien Yejves Je JeJemeee efJekeeme keer pejleeW kees
hetje kejves keer eq mes efJee Je<e&, 2013 kes oewjeve efJeMes<e%e DeefOekeeefjeeW,
heefjJeer#eeOeerve DeefOekeeefjeeW, heefleeqle JeeJemeeefeke mketueeW mes meerOes kewcheme
Yeleea kes ceeOece mes egJee SceyeerS DeefOekeeefjeeW keer Yeleea keer MegDeele keer
ieF&. Deehekes yeQke ves efJeefYeVe esefCeeeW /JesleveceeveeW ceW 1246 DeefOekeejer
(meeceeve Deewj efJeMes<e%e esCeer oesveeW) 1731 efueefheke Deewj 700 DeOeervemLe
mebJeie& kes meHe meomeeW keer Yeleea keer. Yeleea heefeee Je<e& 2013-14 kes oewjeve
Yeer peejer nw efpemekes lenle DeefOekeeefjeeW kes ueieYeie 2800 heoeW Deewj efueefhekeeW
kes 3500 heoeW kees Yejves keer Yeleea heefeee eue jner nw.
kewefjej efJekeeme nsleg he-jsKee
leerJe kewefjej efJekeeme nsleg kece&eeefjeeW keer ye{leer Deekeeb#eeDees kees hetje kejves
kes efueS meceer#eeOeerve Je<e& kes oewjeve efJeMes<e heeeme efkeS ieS efpevekes eje
kece&eeefjeeW kees Ge Glheeokelee nsleg heeslmeeefnle efkeee ieee. Deheves es
keee&efve<heeove kejvesJeeues kee|ceeeW kees hegjmke=le kejves Deewj ye[er efpeccesoeefjeeW
kes heefle Deekee|<ele kejves nsleg Deehekee yeQke heefleJe<e& efyevee efkemeer keeJe kes
meYeer esefCeeeW/JesleveceeveeW ceW ueesieeW kees efveeefcele he mes heoesVele kej jne nw.
Fme heJe=efe kees Oeeve ceW jKeles ngS efJeeere Je<e& 2013 kes oewjeve Yeer ye[s
hewceeves hej heoesVeefle heefeee Meg keer ieF&. heefjCeecele yeQke ceW 3793 ueesieeW
keer heoesVeefle keer ieF& pees veeres leeefuekee ceW oMee&eer ieF& nw.
51
2012-13
160
553
1332
1055
480
160
35
18
31 ceee& 2013 kees meHe Meefe SJeb Devegmetefele peeefle SJeb pevepeeefle kee
heefleefveefOelJe efvecveevegmeej jne:
kew[j
kegue
Smemeer
Smemeer
%
Smeer
Smeer %
DeefOekeejer
17933
3044
16.97
1261
7.03
efueefheke
16869
2392
14.18
1158
6.86
8306
2836
34.14
769
9.26
43108
8272
19.19
3188
7.39
meye meHe
kegue
52
hetJe& heoesVeefle hetJe& heefMe#eCe heoeve efkeS peeles nQ. yeQke kes GheueyOe DeeJeemeeW ceW
Smeme/Smeer kes efueS 10% kee Deej#eCe efkeee ieee nw.
yeQke ceW Deej#eCe leLee Smeme/Smeer kece&eeefjeeW kes efueS Deve mecye
heeJeOeeveeW keer efveiejeveer kes efueS Ske efJeMes<e Smeme/Smeer ke#e keee&jle nw.
ceneheyebOeke mlej kee Ske keee&heeueke Smeme/Smeer kes efueS cegKe mebheke&
DeefOekeejer nw pees Smeme/Smeer kece&eeefjees mes mebyebefOele efJeefJeOe efoMeeefveoxMeeW
kee Devegheeueve megefveeqele kejlee nw. yeQke kes heleske Debeue ceW Smeme/Smeer
nsleg Ske mebheke& DeefOekeejer efveege efkeee ieee nw pees Debeue kes Smemeer/Smeer
kece&eeefjeeW kes meYeer ceeceueeW SJeb efMekeeeleeW kes efveheejs keer eqmLeefle keer
osKejsKe kejlee nw.
Devegmetefele peeefle/ pevepeeefle keueeCe mebIe kes meeLe yew"ke:
yeQke Devegmetefele peeefle/pevepeeefle keueeCe mebIe kes heefleefveefOeeeW kes meeLe
efleceener DeeOeej hej yew"keW Deeeesefpele kejlee nw leeefke Gvekes meeLe meerOee
mebJeeo mLeeefhele efkeee pee mekes SJeb Smeme/Smeer mebyebOeer Deej#eCe leLee Deve
heeJeOeeveeW keer meceer#ee keer pee mekes. Fve yew"keeW ceW DeOe#e SJeb heyebOe efveosMeke
leLee Jeefj keee&heeueke efpemeceW Smeme/Smeer nsleg cegKe mebheke& DeefOekeejer
Meeefceue nQ, Yeeie uesles nQ.
Yeejle jlve [e@ yeeyee meenye Debyes[kej cewceesefjeue ^m :
yeQke ves 1991 ceW Yeejle jlve [e@ yeeyee meenye Debyes[kej cewceesefjeue ^m keer
mLeehevee keer efpememes efke Smeme/Smeer kece&eeefjeeW SJeb Gvekes heefjJeej peveeW
kes ueeYe nsleg keueeCekeejer ieefleefJeefOeeeW kees ye{eJee efceue mekes. Smeme/Smeer
kece&eeefjeeW kes yeeeW kees e$eJe=efe heoeve kejves kes DeueeJee osMe kes cenlJehetCe&
kesveW hej ^m eje Smeme/Smeer mecegoee kes pejlecebo e$eeW kees e$eJe=efe
heoeve keer peeleer nw.
Devegmetefele peeefle /pevepeeefle je^ere Deeeesie kee oewje:
Je<e& kes oewjeve Devegmetefele peeefle /pevepeeefle je^ere Deeeesie ves Deehekes yeQke
kes efJeefYeVe peieneW hej Devegmetefele peeefleeeW kes efueS Yeejle mejkeej keer
Deej#eCe veerefle kes keeee&vJeeve keer meceer#ee nsleg veeres leeefuekee ceW oMee&S ieS
Devegmeej oewje efkeee Deewj veerefleeeW Je keee&eceeW kes keeee&vJeeve hej eee&
efJeeej-efJeceMe& efkeee Deewj hejer#eCe efkeee.
efoveebke
peehegj
26.05.2012
2.
osnjeotve
25.07.2012
3.
yeWieuetj
22.08.2012
4.
Yeesheeue
27.09.2012
je^ere Devegmetefele peeefle Deeeesie ves jesmj Je keee& mesJee megj#ee kes meleeheve
kes efueS yeQke Dee@]He ye[ewoe ceW 5.12.2012 kees Deewj peehegj ceW 31.1.2013
kees Yeer oewje efkeee. Deeeesie kees efoS megPeeJeeW Je efoMee-efveoxMeeW kees Deehekee
yeQke ceW ke[eF& mes heeueve efkeee pee jne nw.
efJeefYeVe efhe[s JeieeX kes keueeCe heeslmeenve kes efueS Deewj Gvekes efnleeW keer j#ee
Je keee& JeeleeJejCe hej yeveer efJeefYeVe Deeeesie Je mebmeoere meefceefle ves Yeer Deehekes
yeQke kee oewje veeres efoS ieS efJeJejCeevegmeej efkeee Deewj yeQke eje Gvekes meceie
efJekeeme Deewj meYeer meeceeefpeke ue#eeW kees hetje kejves kes efueS DeheveeS pee jns
efJeefYeVe keueeCekeejer lejerkeeW keer mejenvee keer.
Deve efhe[e JeieeX kes keueeCe hej mebmeoere meefceefle keer yew"ke cegbyeF&
ceW- 7.2.2013 kees.
2012-13
Deehekes yeQke ves `ye[]ewoe veskem' veece mes MeeKeeDeeW kes veJeefvecee&Ce keer
heefeee kes Debleie&le ces^es leLee Menjer #es$eeW ceW DeleeOegefveke ef[peeFve,
Heb / yewke DeeefHeme, Deejeceoeeke ieenke heleer#ee #es$e, Gheeg&e
HebueeFve DeeescesMeve leLee efyeeer Deewj mesJeeDeeW kes efueS mecee|hele erce
mes ege MeeKeeDeeW kes eje ieenke mesJeeSb heoeve keer nQ.
heesmesme ef[peeFve
Deehekes yeQke eje keeHeer lespeer mes hetjs osMe ceW ye[ewoe veskem MeeKeeDeeW
leLee yewke DeeefHeme kee efJemleej efkeee ieee.
Deehekes yeQke ves efkeeT jnves kes keee& efkeS nQ, DeLee&led omleeJespeerkejCe,
meg{ heeweesefiekeer, keee&-efve<heeove heyebOeve heefMe#eCe leLee hegveheefMe#eCe.
yeerheerDeej keee&Meeuee
Deehekes yeQke ves mesume heesmesme leLee Gece DeeOeeefjle mesume SkeeGbyeerefueer
cee@[ue (ye[ewoe veskem mesume Dee@hejseEie cee@[ue) kees MeeKeeDeeW ceW ueeiet
efkeee nw.
Deehekes yeQke ves ieenkeeW leLee kece&eeefjeeW keer meblegeq kes cetueebkeve kes
efueS DeeJeefOeke DeeOeej hej meJex#eCe heejbYe efkeS nQ.
Deehekes yeQke kes yeerheerDeej efve<heeove ves efvecveefueefKele kes ceeOece mes
JeeJemeeefeke Je=ef leLee ieenke / kece&eejer meblegeq oesveeW hej mekeejelceke
heYeeJe [euee nw :
efye]pevesme heesmesme efj-FbpeerefveeeEjie Hej Yeejleere meeJe&peefveke #es$e kes yeQkeeW kes henues
Jeee|<eke meccesueve kee Deeeespeve 14 pegueeF& 2012 kees cegbyeF& cesb efkeee ieee.
53
2012-13
heleske ye[ewoe veskem MeeKee ceW mesume Dee@hejseEie cee@[ue kee ueeiet
kejvee 32 #es$eere keeee&ueeeW kes 739 ye[ewoe veskem MeeKeeDeeW ceW
mesume Dee@hejseEie cee@[ue kees ueeiet efkeee pee egkee nw.
efce[ keeheexjs Jee|keue Ske efce[ keeheexjs Jee|keue leweej efkeee ieee
nw leLee 15 efce[ keeheexjs MeeKeeDeeW kees cenlJehetCe& mLeeveeW hej Keesuee
ieee nw.
ceekexeEie
Deehekes yeQke ves efJeeere Je<e& 2013 kes oewjeve ves Deheves yeeb[ leLee efJeefYeVe
GlheeoeW Je mesJeeDeeW kee, efJe%eeheve, ieenke DeeOeeefjle keee&eceeW leLee MeeKee
mlejere heeej kes ceeOece mes ueieeleej mebJe&ve efkeee nQ. Fme heefeee ceW,
Deehekes yeQke ves Debeue leLee #es$eere mlej hej MeeKeeDeeW eje efkees peevesJeeues
keeeeX ceW DeeOeejYetle ieefleefJeefOeeeW kees eesieoeve osves kes DeueeJee efJeefYeVe
ceeref[ee meeOeveeW, pewmes efke eEhe, Fueske^esefveke leLee DeesDeesSe kee Fmlesceeue
efkeee. efJeeere Je<e& 2013 kes oewjeve keer ieF& hecegKe ceekexeEie kecegefvekesMeve
ieefleefJeefOeeeW kee efJeJejCe veeres efoee ieee nw.
Deehekes yeQke ves 14 veJebyej 2012 `yeeue efoJeme' kes DeJemej hej Ske efJeefMe
keee&ece keer henue keer efpemekee Meer<e&ke yeQke Dee@]He ye[ewoe kesveJeeme
heefleeesefielee jKee ieee Lee. Fmekee GsMe Ske Ssmee huesHee@ce& leweej kejvee
Lee efpemekes eje mketueer yeeeW kes meeLe ner Gvekees hesefjle kejvesJeeues
DeefYeYeeJekeeW / DeOeehekeeW kes meeLe oerIe&keeefueke mebyebOeeW kees yeveeee pee mekes.
heefleeesefielee ceW henues mes efveOee&efjle efJe<eeeW hej hetjs osMe kes mketueeW kes
efJeeee|LeeeW mes heefJeeqeeb Deecebef$ele keer ieF& Leer leLee eeefvele pepeeW kes hewveue
eje je^ere / Debeue / #es$eere mlej efJepeslee heefJeeqeeW kee eeve efkeee
ieee. Deehekes yeQke kes cewmkee, `eqmkecewve', kees Yeer Jeeheke he mes Fme
heefleeesefielee kes Debleie&le ye{eJee efoee ieee leeefke ueef#ele oMe&keeW kes meeLe yeeb[
mebyebOe yeveeves ceW meneelee efceue mekes. Fme DeefYeeeve kes Debleie&le eLeesefele he
ceW eEhe leLee jsef[ees ceeref[ee kee Gheeesie efkeee ieee leeefke DeefOeke mes DeefOeke
heefJeeqeeW kees heefleeesefielee ceW Meeefceue efkeee pee mekes. Ssmes MenjeW kees,
ueef#ele efkeee ieee Lee peneb hej nceejs #es$eere keeee&uee nQ. Fme heefleeesefielee
ceW kesJeue 45 efove keer Deuhe DeJeefOe kes oewjeve hetjs osMe kes 3000 mketueeW mes
kegue 1.98 ueeKe efJeeee|LeeeW ves Yeeie efueee Deewj yeQke kees YeefJe<e ceW Fvemes
54
ner MeeKeeDeeW vesJeke& kes efJemleej ye{eves mes mebyebefOele peevekeejer kees ye[s mlej
hej eEhe ceeref[ee kes ceeOece mes heeeefjle efkeee ieee efpememes Deehekes yeQke keer
yeeb[ efJe leLee GheeqmLeefle kees ye{eJee efceuee nw.
Deehekes yeQke eje efJeefYeVe Jewkeequheke ef[ueerJejer ewveueeW leLee SmeSceF& mes
mebyebefOele Glheeo leLee mesJeeDeeW hej efJeMes<e meeefnle kee hekeeMeve kejkes ieenkeeW
kees mee#ej kejves kes efJeefYeVe keoce G"eS ieS. yeQke ves efJeefYeVe keee&eceeW,
pewmes - heJeemeer Yeejleere efoJeme 2013, efHekekeer - DeeF&yeerS yeQeEkeie keevHeWme,
[ve Sb[ yee[m^er Skemhees&med SkemeerueWme DeJee[&, eEce SvegDeue yeQeEkeie kee@
vkeuesJe, meerDeeF&DeeF& ce@vegHewkeeeEjie meefce leLee mQ[[& ee&[& cewjeLeve 2013
ceW menYeeefielee kejkes ieenkeeW kes meeLe mebJeeo mebhes<eCe Deewj yeeb[ mebJe&ve
efkeee..
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke keer ieefleefJeefOeeeW kees ceeref[ee ceW
efJemle=le keJejspe efceuee efpememes efke yeQke kees yeeb[ Fcespe yeveees jKeves ceW
meneelee efceueer nw.
Deehekes yeQke ves Je<e& kes oewjeve efJeefYeVe JeJemeeefeke ceevekeeW hej Keeefle heehle
ceeref[ee neGme Deewj Deve mebmLeeDeeW mes Yeer efJeefYeVe hegjmkeej heehle efkeS nQ
efpemekeer meteer veeres oer ieF& nQ
meHe kee@uespe, Denceoeyeeo ceW DeefKeue Yeejleere ceekexeEie DeefOekeejer meccesueve kee
Deeeespeve, Deiemle 2012
2012-13
DeOe#e SJeb heyebOe efveosMeke, yeQke Dee@He ye[ewoe kees cegyebF& ceW Heesye&me Fbef[ee ueer[jefMehe
DeJee[& `yesm meerF&Dees heeqyueke meskej' heoeve efkeee ieee.
Yeejleere efjpeJe& yeQke mes `efj]peJe& yeQke jepeYee<ee Meeru['
yesm ueepe& yeQke 2012 efyepevesme Jeu[& veJecyej 26, 2012 Debke
yeQke Dee@He ye[ewoe kees ms Heesjce Dee@He yeQkeme& keueye ves Sjveekeguece ceW yesm heeqyueke
meskej yeQke DeJee[& mes mecceeefvele efkeee ieee.
55
2012-13
ceee SHeSce meme& Dee@]He o Fb[m^er Hee@j SkemeueWme Fve yeQeEkeie (heerSmeet)
efmeuJej DeJee[& SHeSce jsef[ees eje 14.02.2013 kees cegbyeF& ceW.
DeeJeeme $e+Ce yeQeEkeie ceW eslee kes efueS ceee SHeSce meme& Dee@He o
Fb[m^er DeJee[& efoveebke 14.02.2013 kees cegbyeF& ceW jsef[ee SHeSce eje
yeebpe DeJee[&
yeQke Dee@He ye[ewoe kees HeeFveWemf eeue Skemhems e eje Je<e& 2011-12 kes efueS yesm heerSmeet yeQke DeJee[&
mes mecceeefvele efkeee ieee- efpemes eer Sme.Sme.cetob [ e, DeOe#e SJeb eyevOe efveosMeke. ves eeHle efkeee.
cegbyeF& ceW efoveebke 18.02.2013 kees keeheexjs DeJee[& meceejesn ceW SefMeeve
kevHes[jsMeve Dee@He efyepevesme SC[ Jeu[& meerSmeDeej keeWiesme eje
"m^ssefpeke kecetefvekesMeve SC[ ueer[jefMehe DeJee[&".
efoveebke 03 Dehewue, 2013 kees Keeoer SJeb ieeceeseesie Deeeesie eje Keeoer
SJeb ieeceeseesie ceW eslee kes efueS Je<e& 2011-12 kes efueS je^ere
hegjmkeej
efouueer ces^es #es$e-I veenjhegj ceW yeQke keer veF& MeeKee kee MegYeejbYe
Deehekes yeQke keer veerefle kes Deveghe Fmekes heMeemeefveke keeee&ueeeW nsleg
mJeeb kes heefjmej nsleg Deehekes yeQke ves yebieueewj (kevee&ke), nwojeyeeo
(Deeb.he), Hewpeeyeeo (et.heer), Fboewj (ce.he), Goehegj, nueveer
(GejeKeb[), osnjeotve (GejeKeb[), peehegj (jepemLeeve) Deewj vet
jeehegj (eermeie{) ceW JeeefCeeqpeke YeJeveeW kes efvecee&Ce kes efueS Yetefce
Kejeroer nw.
ye{les ngS efkejees kees osKeles ngS GheueyOe heefjmej kes heleske mLeeve Deewj
keesves kes Gheeesie keer DeeJeMekelee cenmetme keer pee jner nw. veJeerveerkejCe
kes oewjeve ues-DeeG kees GVele efkeee ieee Deewj meYeer MeeKeeDeeW/
keeee&ueeeW keer Hee|veeEMeie kees heee&JejCe Devegketue SJeb eceo#e he ceW
ef[peeFve efkeS ieS Heveeaej DeeFce kes ceeOece mes keer ieF& nw. heefjmejeW
kes DeefOeienCe nsleg #es$e efveece keer meceer#ee keer SJeb Gmes ueeiet efkeee ieee
nw.
hetjs Yeejle ceW heCeeefueeeW SJeb heefleeeW ceW Skehelee ueeves kes efueS
heefjmej veerefle efveoxMe, efvecee&Ce cewvegDeue, veJeerveerkejCe cewvegDeue kees
efveOee&efjle efkeee ieee Deewj Heveeaej kes ceoeW keer MeerIe Kejero nsleg, leLee
Jes Deeke<e&ke efoKeeF& oW Fme nsleg Ske meceeve ef[peeFve cee@[etuej SJeb
kege|meeeW kes efueS SpeWmeer Yeer efveOee&efjle keer ieF&.
56
Deehekes yeQke ves cewueeheesj, esVeF& ces kecee|Meeue heefjmej kee efvecee&Ce efkeee
nw efpemeceW Debeue keeee&uee, MeeKee Je kejsvmeer esm nw.
2012-13
mesveeseHe jes[, esVeF& ceW efjneeMeer heefjmej kee efvecee&Ce efkeee ieee peneb
leerve 3 yeerSekes Heuew, yeejn 2 yeerSekes Heuew Deewj Ske meeceeve iesm
neGme Deewj ms Dee@He Dee& JeerDeeF&heer iesm neGme.
yeQke ves F&m Dee@He kewueeMe, veF& efouueer ceW efjneeMeer heefjmej kee efvecee&Ce
efkeee peneb 14 keee&Heeueke Heuew (eej 3 yeerSekes Heuew, ome 2
yeerSekes Heuew) Deewj Ske Ge keee&Heeueke iesm neGme nw.
F&m Dee@He kewueeMe, veF& efouueer ceW yeQke kee veee efjneeMeer heefjmej
Deehekes yeQke kes pevekehegjer, veF& efouueer ceW DeeJeemeere keechueskeme kee
efvecee&Ce hetje nesves kes Debeflece ejCe ceW nw.
JeejeCemeer ceW Dee@efHeme efyeeu[ie leLee kejWmeer esm, kes efvecee&Ce keee& Yeer
hetje nesves kes Debeflece ejCe ceW nw.
peehegj ceW yeng cebpeueer Fbiess[ Dee@efHeme efyeeu[ie kee efvecee&Ce hetje nesves
kes Debeflece ejCe ceW nw.
jeehegj ceW veS heMeemeefveke Deewj DeeJeemeere YeJeve kee efvecee&Ce keee&
keeee&vJeeve kes lenle nw.
yeQke kes mebmeo ceeie&, veF& efouueer eqmLele YeJeve kees megvoj SJeb Deeke<e&ke
yeveevee
nwojeyeeo ceW ef[peemj efjkeJejer meeF kes efueS yeQke kes Deheves YeJeve kee
efvecee&Ce kejvee
57
2012-13
Yeejle mejkeej kes efoMeeefveoxMeeW kes Deveghe osMeYej ceW Hewues efJeefYeVe
kesveW hej ye[ewoe mJejespeieej efJekeeme mebmLeeveeW kee efvecee&Ce kejvee.
leerve Je<eeX kes efueS DeLee&led 2013-16 nsleg heefjmej veerefle efoMeeefveoxMeeW kee
mebMeesOeve Dehewue 2013 leke kejvee.
58
osMe
mJeeefOeke=le
efveefOeeeb
k] egue
Deeefmleeeb
Meg
ueeYe
keeee&uee
meHe
Yeejle
30
yee@yekee[&med efue.,
29 efmelebyej 1994
Yeejle
33
102
Yeejle
1,749.46
2,525.75 -1,871.98
88
Yeejle
35
1,476
Yeejle
107
830
Yeejle
2012-13
Deehekes yeQke ves Deheveer meYeer MeeKeeDeeW (peesefke meer yeer Sme ceW Dee egkeer nQ) kes
efHeveekeue efmemce ceW `ke' leLee `Ke' #es$e ceW heemeyegke / KeeleeW keer efJeJejefCeeeb
leLee Deve efjhees& eEnoer ceW pevejs SJeb eEhe kejves kes keee& kees Deewj DeefOeke
ieefle heoeve keer.
Fme Je<e& ieenkeeW keer megefJeOee kes efueS S.er.Sce. mes efvekeueves Jeeueer hee|eee
eEnoer ceW Yeer efvekeeueves keer MegDeele keer ieF& leLee S.er.Sce. kes meerve ceW
eEnoer Je Debiespeer kes meeLe meeLe iegpejeleer Je ceje"er Yee<ee Yeer heoe|Mele keer peeves
ueieer nw. Fmeer Je<e& eEnoer kes heeesie mes mebyebefOele efleceener heieefle efjhees& kes
meceskeve leLee efjkee[& kees JeJeeqmLele he mes jKeves kes efueS heieefle Dee@veueeFve
veece kee hewkespe eEnoer ceW leweej efkeee ieee.
Fme Je<e& DevegosMe keesMe kes meYeer Keb[eW kee DevegJeeo kej Fb^eves hej Deheuees[
efkeee ieee. Je<e& 13 kes oewjeve DeeHekes yeQke ves oes Hegmlekes efJeeere meceeJesMeve
SJeb Yeejleere Yee<eeeW SJeb mebJeeo kee ekeeMeve efkeee.
efveosMeke ceb[ue
efnvoer hegmleke "efJeeere meceeJesMeve SJeb Yeejleere Yee<eeSb" SJeb DevegosMe keesMe kes 8 Keb[ebs kes efnvoer
mebmkejCe keer meer[er kee efJeceeseve
Deehekes yeQke keer ie=nheef$ekee `yee@yecew$eer', eEnoer heef$ekee `De#eeced' kees Yeejleere
efj]peJe& yeQke Meeru[ heefleeesefielee kes Debleie&le leermeje hegjmkeej heehle ngDee.
peehegj leLee ye[ewoe ceW Deehekes yeQke kes mebeespeve ceW keee&jle oesveeW veiej
jepeYee<ee keeee&vJeeve meefceefleeeW kees GuuesKeveere keee& efve<heeove kes efueS
Yeejle mejkeej, jepeYee<ee efJeYeeie eje heLece hegjmkeej heehle ngS. Fmeer Je<e&
Yeejle mejkeej, jepeYee<ee efJeYeeie eje Deehekes yeQke kes Debeue keeee&uee,
hegCes kees heLece, #es$eere keeee&uee, peesOehegj kees efleere leLee Debeue keeee&uee,
Denceoeyeeo kees le=leere hegjmkeej heoeve efkeS ieS. Deehekes yeQke keer ie=nheef$ekee
De#eeced kees `S yeer meer DeeF&' eje Yeejleere Yee<ee hekeeMeve mebJeie& ceW `ieesu[
heeFpe', Deheveer yeele kees efJeefMe keeuece (Yee<ee) mebJeie& ceW `efmeuJej heeFpe'
heoeve efkeee ieee.
Ghejese oes heef$ekeeDeeW kes Deefleefje Deehekes yeQke eje heeweesefiekeer kes ceeOece
mes efnvoer kes heeesie kees ye{eJee osves nsleg efnvoer Jesye heef$ekee ye[ewoe efnvoer
hekeeefMele keer peeleer nw. Fmekes DeueeJee nceejs yeQke kes mebeespeve ceW keee&jle
yeQke veiej meefceefleeeW eje Yeer efveeefcele he mes efnvoer heef$ekeeSb hekeeefMele keer
peeleer nw.
Deehekes yeQke kes mebeespeve ceW keee&jle veiej jepeYee<ee keeee&vJeeve meefceefleeeW
ves Deheves GejoeefelJeeW kees yeKetyeer efveYeeee nw. Je<e& kes oewjeve Deehekes yeQke kes
mebeespeve ceW peeuebOej, yeveejme leLee nueveer ceW leerve veF& veiej jepeYee<ee
keeee&vJeeve meefceefleeeb ieef"le keer ieF&. yeQke kes mebeespeve ceW kegue 9 veiej
jepeYee<ee keeee&vJeeve meefceefleeeb keee& kej jner nw.
mebmeoere jepeYee<ee meefceefle keer le=leere Ghemeefceefle ves Deehekes yeQke keer
pewmeuecesj MeeKee, efJekeeme veiej MeeKeeb SJeb eeeie MeeKee kee oewje efkeee
leLee jepeYee<ee keeee&vJeeve kes #es$e ceW yeQke eje efkeS pee jns nw heeemeeW keer
mejenvee keer.
eer Sme Sme cetbo[e yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9 (3)(S) kes lenle kesv mejkeej eje
21.01.2013 mes yeQke kes DeOe#e SJeb heyebOe efveosMeke kes he ceW efveege Jes
31.07.2014 leke DeLee&led Deheveer DeefOeJee|<elee keer leejerKe DeLeJee Deeieeceer
DeeosMeeW leke, pees Yeer henues nes, Deheves heo hej jnWies.
eer efhe eerefveJeeme yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3)(S) kes lenle kesv mejkeej eje
18.06.2012 mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele) kes he ceW efveege Jes 30.06.2016 leke DeLee&led Deheveer DeefOeJee|<elee
keer leejerKe leke DeLeJee Deeieceer DeeosMeeW leke, FveceW pees Yeer henues nes, Deheves
heo hej jnWies.
eer megOeerj kegceej pewve yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3)(S) kes lenle kesv mejkeej eje
18.06.2012 mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele) kes he ceW efveege Jes heebe Je<e& keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW
leke, FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies
eer jbpeve OeJeve yewkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3)(S) kes lenle kesv mejkeej eje
01.11.2012 mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele) kes he ceW efveege Jes 30.09.2015 leke DeLee&led Deheveer DeefOeJee|<elee
keer leejerKe DeLeJee Deeieceer DeeosMeeW leke, FveceW mes pees Yeer henues nes, leke
Deheves heo hej jnWies.
eer Sve. Sme. eerveeLe, hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he
ceW veeefcele) keee&keeue hetje nesves hej 01.06.2012 mes efveosMeke veneR jns.
[e@ (eerceleer) cemej&le Meeefno, DebMekeeefueke iewjmejkeejer efveosMeke, keee&keeue
hetje nesves hej 29.10.2012 mes efveosMeke veneR jner.
eer jepeerJe kegceej ye#eer hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he
ceW veeefcele) keee&keeue hetje nesves hej 01.11.2012 mes efveosMeke veneR jns.
59
2012-13
eer Sce [er ceuee, DeOe#e SJeb heyebOe efveosMeke, keee&keeue hetje nesves hej
01.12.2012 mes efveosMeke veneR jnW.
efveosMekeeW kee oeefelJe mebyebOeer DeefYekeLeve
efveosMeke ieCe, Fme DeeMee keer hegeq kejles nQ efke 31 ceee& 2013 kees meceehle
Je<e& kes efueS Jeee|<eke uesKee leweej kejles mecee
Yeejleere efj]peJe& yeQke kes efoMee- efveoxMeevegmeej leweej keer ieF& uesKee
veerefleeeW kee efvejblej heeueve efkeee ieee nw.
efJeeere Je<e& keer meceeeqhle hej yeQke kes keee&heeuekeeW keer eqmLeefle leLee 31
ceee& 2013 kees meceehle Je<e& kes efueS yewke kes ueeYe keer JeemleefJeke SJeb
megmhe eqmLeefle hemlegle kejves keer eq mes leke&mebiele Deewj efJeJeskehetCe&
efveCe&e SJeb Deekeueve efkeS ieS nQ.
Yeejle ceW yeQkeeW hej ueeiet efveeceeW mebyebOeer heeJeOeeveeW kes Deveghe Gefele
uesKeebkeve efjkee[& leweej jKeves kes efueS mecegefele SJeb heee&hle meeJeOeeveer
yejleer ieF& nw leLee,
uesKeeW kees Gejesej peerJeble (kebmeve&) DeeOeej hej leweej efkeee ieee nw.
60
DeeYeej
efveosMekeieCe, Yeejle mejkeej, Yeejleere efj]peJe& yeQke, Yeejleere heefleYetefle SJeb
efJeefvecee yees[&, Deve efJeefveceeeke heeefOekeeefjeeW, efJeefYeVe efJeeere mebmLeeDeeW,
yeQkeeW leLee efJeosMeeW SJeb Yeejle eqmLele heefleefveefOeeeW eje efoS ieS ceeie&oMe&ve SJeb
meneesie kes efueS Gvekes heefle DeeYeej heke kejles nQ.
efveosMekeieCe, Deehekes yewke kes osMe- efJeosMe eqmLele mecemle efnle OeejkeeW eLee
ieenkeeW, MesejOeejkeeW SJeb MegYeeEelekeeW kes eje heoe meneelee SJeb meneesieer
keer mejenvee kejles nQ.
efveosMekeieCe, efJeefYeVe mlejeW hej keee&jle meHe meomeeW keer heefleyelee SJeb
ke[er cesnvele keer mejenvee kejles nQ efpemekes keejCe yeQke kees Deee|Leke egveewefleeeW
kes yeeJepeto Je<e& oj Je<e& Ge iegCeJeeehetCe& JeJemeee Dee|pele kejves ceW meHeuelee
neefmeue ngF& Deewj yewke ves osMe kes DeieCeer yeQke kes he ceW Deheveer eqmLeefle kees
cepeyetle efkeee.
efveosMeke ceb[ue kes efueS Deewj Gvekeer Deesj mes,
2012-13
DiRECTORS REPORT
Segment-Wise Performance
The Segment Results for the year FY13 reveal that the
contribution of Treasury Operations was Rs 1,070.13 crore,
that of Corporate/Wholesale Banking was minus Rs 103.95
crore, that of Retail Banking was Rs 3,085.71 crore, and of
Other Banking Operations was Rs 2,221.71 crore. Your Bank
earned a Profit after Tax (PAT) of Rs 4,480.72 crore after
deducting Rs 1,442.37 crore of unallocated expenditure and
Rs 350.51 crore towards provision for tax.
Dividend
FY13
FY12
0.90
1.24
5.75
5.64
8.29
8.55
4,24,761.33
3,47,223.21
4,15,246.10
3,43,397.26
2.66
2.97
39.79
37.55
729.11
637.37
EPS (Rs)
108.84
127.84
61
2012-13
62
Risk Management
In order to ensure sustainable and consistent growth
performance, your Bank has developed a sound risk
management framework so that the risks assumed by the
Bank are properly assessed and monitored continuously. It
may be noted that the ultimate responsibility for setting up
the risk management framework lies with the Board of the
Bank. It includes setting up risk appetite, framing policies and
effective monitoring. Your Banks Board has put in place a
robust Enterprise-wide Risk Management architecture so that
the risks remain within the risk appetite defined by the Board.
A brief outline of the mechanism for identifying, evaluating and
managing various risks is as follows.
2012-13
Liquidity Risk
Liquidity risk implies the risk when the Bank either does not
have sufficient financial resources available to meet its financial
obligations, as and when they are due, or can only access
these financial resources at excessive and unsustainable cost.
Liquidity risk may arise from the failure to recognize or address
changes in market conditions that affect the ability to liquidate
assets quickly and with minimal loss in value. In your Bank,
the liquidity risk is measured and monitored by flow approach
on a daily basis against prudential caps fixed for liquidity
gap positions. Moreover, liquidity position is projected every
fortnight, for the subsequent three months on a dynamic basis
through Dynamic Gap Reports. The quality of liquidity is further
tested by working out various ratios under Stock Approach,
wherein a series of prudential caps such as daily call lending,
daily call borrowings, net short-term borrowings and net credit to
customer deposit ratio and prime asset ratio, etc. are tested on
a daily basis. The compliance to Stock Approach caps ensures
that the Bank has managed its liquidity through appropriate
diversification and remained within the sustainable limit.
The monitoring of liquidity risk, cost of liquidity, opportunities
and return from deployment, available contingencies, etc is
done by the Asset Liability Committee (ALCO) which comprises
of General Managers and Executive Directors and is headed
by the Chairman and Managing Director. The prudential caps
are monitored by ALCO by way of various regular and special
reports.
Credit Risk
Credit risk implies potential loss to the Bank on account of either
lack of capacity or unwillingness of a counterparty to meet its
obligations as per the agreed terms. Credit risk is managed in
your Bank through a clearly articulated framework that sets out
policies, procedures and reporting. In line with international best
practices, there is a clear segregation between risk takers and
policy framers. Furthermore, the Bank has adopted risk-based
delegated lending power where higher discretionary lending
powers have been delegated for low credit risk proposals. Your
Bank also conducts industry studies to assess the risk prevalent
in industries where the Bank has sizable exposure and also
for identification of sunrise industries. The industry reports
are communicated to the Banks field-level people to consider
the same while lending to these industries. However, to avoid
imprudent concentration, your Bank has put in place prudential
caps across industries, sectors and borrowers.
Your Bank has adopted a robust two dimensional credit rating
system from 2007 onwards and has now built up six-years data
on credit rating and borrowers rating migration. This preparation
has enabled your Bank to make an application to the RBI to
migrate to Foundation Internal rating based (FIRB) approach
of credit risk under Basel II rules. The FIRB implementation will
also prepare your Bank to drive its business in more systematic
and sophisticated manner in terms of risk-based pricing,
portfolio construction and fixation of risk appetite.
63
2012-13
Market Risk
Interest rate risk: The risk that aries from changes in yield
curves, credit spreads and volatility in interest rates.
Operational Risk
Operational risk is the risk of loss on account of inadequate
or failed internal processes, people and systems or external
factors and also includes a legal risk. Operational Risk
Management Committee (ORMC) of your Bank shoulders the
responsibility of monitoring and controlling the operational
risk by way of prescribing/amending processes, imposing
controls and defining roles and responsibilities. Your Bank has
a robust inspection and audit system to ensure that its internal
guidelines, policies and procedures are complied with.
Your Bank is in the process of implementing a sophisticated
system to capture, measure, monitor and manage its
operational risk exposures by installing an enterprise-level
automated web based solution of international standard. The
solution is expected to be operational before the end of the
current year. This will enable your Bank to meet the quantitative
and qualitative requirements of the Standardized Approach
(TSA) and Advanced Measurement Approach (AMA) of Basel
II rules of Operational Risk Capital Measurement.
64
Basel - ii
Basel - iii
5.50%
Tier I Capital
6%
7%
Total Capital
9%
9%
Capital Conservation
Buffer (a buffer of capital
that can be used to
absorb losses during
periods of financial and
economic stress.) (in the
form of Common Equity)
NA
2.50%
2012-13
Prevention of Slippages
As a part of an ongoing business strategy to improve upon the
quality of assets, your Bank reaffirmed the need to look into
the advances portfolio on a continuous basis, industry-wise as
well as borrower-wise, to analyze the present position and the
problems foreseen in near future and to identify weaknesses/
potential default/incipient sickness in the advance accounts at
an early stage so as to initiate suitable and timely corrective
measures for preventing impairment in credit quality.
Your Bank launched an online web-based software developed
by its IT Department for MMRs (Monthly Monitoring Reports) in
respect of advance accounts with Fund-based plus non-fundbased exposure of Rs 10 crore and above in January 2013.
This will enable speedy and effective monitoring of advances
and ensure timely action in respect of stressed accounts.
Your Bank also initiated follow up actions for ensuring
expeditious review of accounts, compliance of terms and
conditions, up-gradation in credit rating etc. in high value
advance accounts for improving the asset quality of its credit
portfolio.
During FY13, your Bank undertook restructuring of various
advances accounts in its global operations as per the table
given below.
Particulars
Standard Advances
Restructured
CDR Mechanism
Doubtful
Advances
Restructured
Total
Others
Total
No. of Borrowers
26
743
17,455
18,224
Amt. Outstanding
2,031.92
950.61
4,533.60
7,516.12
177.42
11.05
124.83
313.30
No. of Borrowers
44
620
665
Amt. Outstanding
68.30
52.19
373.38
493.87
Sacrifice [diminution
in fair value]
5.18
0.02
1.13
6.33
No. of Borrowers
349
358
Amt. Outstanding
20.43
475.64
496.07
Sacrifice [diminution
in fair value]
0.04
10.86
10.90
No. of Borrowers
27
796
18424
19247
Amt. Outstanding
2,100.22
1,023.23
5,382.62
8,506.06
182.60
11.12
136.81
330.54
Sacrifice [diminution
in fair value]
Sub-standard
Advances
Restructured
SME Restructuring
Sacrifice [diminution
in fair value]
65
2012-13
66
2.
b.
4.
5.
6.
7.
8.
9.
2012-13
2.
3.
Compliance
Your Bank is a member of the Banking Codes and Standards
Board of India (BCSBI) and has adopted the Code of
Commitment to the Customers prescribed by the BCSBI
in August 2009. It has also adopted the Code of Banks
Commitment to MICRO and Small Enterprises. These have
been placed on your Banks website and also made available
to customers at the branches.
While announcing the Annual Monetary and Credit Policy for
the year FY11, the Governor, RBI, had proposed that banks
should devote exclusive time in their Board Meetings once in
every six months to review and deliberate on issues concerning
customer service/customer care. To comply with this, two such
six monthly reviews were undertaken by your Banks Board
for the sub-periods January-June 2012 and July-December
2012, in meetings dated 4th August 2012 and 3rd March 2013,
respectively.
2 Shri P. Srinivas
Executive Director
Executive Director
Executive Director
Director
67
2012-13
Features of SPGRS
68
2012-13
2.
3.
4.
5.
6.
7.
8.
Your Bank has activated the GBM module for the receipt
and payment of RBI Bonds. All the authorized branches
have now migrated the entire data into the GBM module
and changed the reporting system as per the RBI
requirement.
9.
69
2012-13
1
2
3
4
5
6
7
8
9
10
11
12
13
new Currency
Chest Proposed
over three years
(By March 2014)
03
04
00
02
00
02
04
01
04
01
01
06
02
30
Vigilance
Business Performance
Given below are the details of your Banks major achievements
on the business front during FY13.
70
End
March 2012
End
March 2013
Growth
(%)
Deposits
3,84,871.11
4,73,883.34
23.13
- Domestic
2,80,135.26
3,41,705.59
21.98
- Overseas
1,04,735.85
1,32,177.74
26.20
Borrowings
23,573.05
26,579.28
12.75
End
March 2012
End
March 2013
Growth
(%)
Advances
2,87,377.29
3,28,185.77
14.20
- Domestic
2,02,075.39
2,24,294.33
11.00
- Overseas
85,301.90
1,03,891.44
21.79
2012-13
Retail Business
Retail banking services continued to remain an important
business division for your Bank in FY13. Your Bank is focused
on meeting the financial needs of personal and small business
customers (traders) who are looking for accessible and
affordable banking services.
The performance of your Banks Retail banking division during
the year under review is as under.
Your Banks Retail Loan Book consists of five key products viz.
Home Loan, Auto Loan, Education Loan, Traders Loan and
Mortgage Loan, which constituted 80.4% of the total Retail
Loans at end-Mar, 2013. The other products namely LABOD/
ODBOD constituted 16.7% of the Banks total Retail loans.
71
2012-13
2. Product Modification
72
2012-13
MSME Business
A special Evening with CMD was organized in Mumbai to
celebrate the success of Savings Bank campaign.
73
2012-13
4.
5.
6.
7.
8.
9.
Growth of Business
The total outstanding in MSME Sector works out to Rs 44,974
crore as on 31st March 2013. The growth in MSME advances
during the last three years is given in the table below.
Year
2010-11
29.63%
2011-12
26.11%
2012-13
30.31%
2.
3.
74
10. Your Bank also celebrated the MSME Festival during JanMar 2013 to encourage staff at the SME Loan Factories
and branches to re-double efforts at canvassing new
business.
11. Your Bank organized an SME borrowers meet at Aligarh &
Raipur jointly with Dun & Bradstreet for imparting relevant
knowledge about Rating, Financial terms & balance sheet
ratios etc.
The area-specific-schemes developed for certain pockets
involving a cluster of units engaged in similar activities with
good business potential yielded satisfactory results during
the year under review. The cluster Development was also
undertaken with lead district branches. Directed programmes of
the Government of India, particularly the Weavers Credit Card
and lending under Prime Ministers Employment Generation
Programme (PMEGP) received focused attention during FY13.
In recognition of your Banks performance in the MSME lending
in the Western part of India, your Bank received an Award at
the august hands of His Excellency, the President of India for
the year FY13 in New Delhi recently.
2012-13
75
2012-13
Two of the other banks RRBs were also merged with your Baroda
Rajasthan RRB during the year under review. Consequent upon
the merger, the aggregate business of these three RRBs rose to
Rs. 29,284.23 crore as of end-March, 2013 from Rs 26,257.43
crore as at end-March, 2012, registering a growth of 11.53%.
The three RRBs together posted a Net Profit of Rs 97.06 crore
during FY13 as against Rs 148.22 crore earned during FY12.
The Net Worth and the Reserves and Surplus of all these
RRBs put together improved from Rs 1,018.44 crore at endMarch, 2012 to Rs 1,234.42 crore at end-March, 2013 and
from Rs 726.55 crore at end-March, 2012 to Rs 777.52 crore
at end-March, 2013, respectively.
76
2.
3.
2012-13
2.
3.
4.
77
2012-13
6.
7.
1. Balance Enquiry
3. Cash Withdrawal
2. Cash Deposit
78
2012-13
international Business
During the year, the major advanced economies continued
to face sluggish growth, fiscal drag and severe austerity
measures and its spillover effect continued to impinge on the
other economies. Even during this difficult environment, the
International Operations of your Bank maintained the healthy
growth trend, by keeping a constant watch on the developments
and taking pre-emptive steps by suitably adjusting the business
model.
Your Bank kept a constant watch on the emerging opportunities
and there was greater synergy amongst the overseas centres
to derive the full benefit of the large network of branches.
international Operations
It was a historic year in the International Operations of your
Bank with opening of 100th overseas office at DIFC, Dubai.
The branch was inaugurated by Shri P. Chidambaram, Union
Minister of Finance, Government of India. Since its foray into
79
2012-13
international Presence
Overseas Expansion
Total Assets
Total Assets of the Banks International Operations showed
a healthy growth of 30.1% on y-o-y basis, as they increased
from Rs 1,28,398 crore as of March 2012 to Rs 1,67,038 crore
as on March 2013.
Profit
Even during this challenging period of surplus liquidity in the
system and slowdown in the credit offtake, the Gross Profit for
the year FY13 registered a growth of 24.7% over the level of
previous year due to enhanced business level and improvement
in spreads. However, the Net Profit posted a negative growth
of 19.20% during the year on account of higher provisions.
The contribution of international operations to the Banks global
Gross Profit was 24.6%.
Asset Quality
The wide spread international presence of your Bank exposes
it to increased credit risk. Your Bank takes all steps for
realistically assessing the credit needs of any project during the
pre-disbursement stage and carefully monitors the appraisal
and other technical, economic, commercial, organizational and
financial aspects.
The global slowdown has impacted all sectors of the world
economy and this has put added pressure on the quality of
assets. In response to this, your Bank has further enhanced the
monitoring techniques to maintain the quality of assets. This
required timely identification of stressed accounts and taking
all possible steps for recoveries. Furthermore, an enhanced
monitoring of restructured accounts was effected so that these
do not slip to NPA categories.
However, the external environment did impact the quality of
assets and Gross NPAs as % to Total Advances increased from
0.68% as of Mar12 to 1.37% as on Mar13.
80
Honble Union Minister of State for Finance, Shri Namo Narain Meena
lighting the lamp on inauguration of a JV Bank in Malaysia - India
International Bank (Malaysia) Berhad.
Syndication Centres
Your Bank has Global Syndication Centre at London and
Regional Syndication Centres at Dubai and Singapore, which
focus on the business of Syndication Loans in International
Market. Your Bank has set up an International Merchant
Banking Cell (IMBC) at Corporate Office, Mumbai, which mainly
caters to the requirements of Indian corporates. Your Bank
is an active player in the Syndication Loan Market and also
participates in loan origination.
2012-13
81
2012-13
but also to protect the interest and reputation of the Bank and
other stakeholders.
All the overseas territories/subsidiaries have the Policies/
Manuals in varied areas of banking as per their respective
regulatory requirements. These are periodically reviewed to
ensure their conformity with the regulatory guidelines and
requirements.
Treasury Operations
Your Bank operates a State of the Art Dealing Room at Baroda
Sun Tower at its Corporate Office in Mumbai. Through this
dealing room, your Bank is well positioned to scale up its
Treasury Operations. The Treasury Division handles your
Banks domestic treasury operations and covers activities in
various markets i.e. Foreign Exchange, Interest Rates, Fixed
Income, Derivatives, Equity and other alternative asset classes.
The advanced technology platforms are used by your Bank to
offer a basket of financial products to its clients including interest
rate swaps, currency swaps, forwards and options.
Your Bank has also put in place a sophisticated Automated
Dealing system to offer the auto generated real time foreign
exchange rates to the clients of its authorised branches
spread across the country. As a customer friendly initiative,
during the year FY13, enhancements were made by replacing
the old servers with high end servers for BOB-Authorised
Dealing System facilitating improved and faster processing of
transactions cutting delays and breakdown in customer service.
Under the Business Process Re-engineering, your Bank has
successfully implemented Global Treasury solution across
major financial centers. The Global Treasury Platform is running
smoothly in nine centres, notably, Mumbai, London, Bahamas,
Brussels, Dubai, Bahrain, Singapore, Hong Kong and New York.
The tenth implementation of Treasury solution at DIFC Dubai,
an offshore Banking unit is on the cards.
During FY13, promotion of growth and control of stubborn
inflation were the key monetary policy challenges. The RBI
reduced the Repo and Reverse repo rates by 100 bps and
infused liquidity by cutting CRR by 75 bps during the last year.
The RBI also conducted Open Market Operations to the extent
of Rs 1,27,180 crore to infuse liquidity into the system. Higher
than announced borrowing programme and high inflation put
pressure on Gilt yields until November, 2012. This and the
pause by RBI in changing monetary policy rates resulted in the
10-year benchmark gilt to trade in the range of 8.05%-8.25%
during July to December, FY13. However, after the resumption
of Open Market Operations by the RBI in Dec, 2012 and easing
of policy rates in January 2013, the 10 year Gilt touched a low
of 7.80% while ending the year at 7.95%.
Against a backdrop of weak economic growth and corrective
steps & measures by the government to control fiscal deficit,
your Banks Treasury accumulated securities offering higher
yields and maintained a prudent duration for its fixed income
portfolio. This strategy was useful for the Bank to maintain
a good average yield on its Investments and also helped in
booking of profit on sale of Investments when the rate cutting
cycle resumed in the last quarter of the year. The average yield
on Domestic SLR investments was 7.76%. During FY13, the
Treasury earned Rs 7,450 crore as Interest/Discount earnings,
while the Profit on Sale of Investment and Exchange Earnings
were Rs 617 crore and Rs 803 crore, respectively.
82
2012-13
Activity
no. of
Donations
Amount
(Rs lakh)
1.
Education
24.00
2.
Health
4.50
3.
Women Welfare
2.00
4.
669.24
13
699.74
TOTAL
83
2012-13
31 March 2012
286542.59
4464.75
291007.34
st
2661.82
1318.71
484.22
4464.75
information Technology
Your Bank has undertaken a total end-to-end business and IT
strategy project covering your Banks domestic, overseas and
subsidiary operations.
84
ATM
The ATM Switch is upgraded in your Bank to a higher
version along with Hardware up-gradation with many
enhanced features for better performance, speedy ATM
transactions and ease of ATM expansion during the
year. The ATM switch is upgraded for India, UAE, Oman,
Mauritius, Fiji, Tanzania, Botswana, T&T and New Zealand.
Many customer centric initiatives such as implementation
of Rupay ATM Cards, Rupay POS and Rupay KCC Cards,
Brown label ATMs, Collection of Insurance premium for
IndiaFirst Life Insurance Policy holders through ATMs, ATM
Transaction receipt printing in HINDI, Regional Language
Screen selection for Gujarati, Marathi and Tamil, Talking
ATMs for visually impaired persons, implementation of
Fraud management Solution in ATMs/ POS in India have
been added during the year. Your Bank has successfully
launched Rupay ATM and Rupay KCC cards for its RRBs
also.
Your Bank has also proposed some more Customer
Centric initiatives like Immediate Payment Services (IMPS)
through ATMs, Regional Language screen selection in
ATMs (for Malyalam, Telugu, Kannada, Bengali), Cheque
book request through ATMs, NEFT through ATMs, Rupay
e-commerce, multi-factor authentication for card not
present transactions, Visa Debit card for UAE, BSP(Bank
South Pacific) Interchange Implementation for FIJI,
Prepaid card withdrawals through ATMs, Chip Based Card
Implementation in India, Oman and Mauritius, Card to Card
fund transfer, Bill Payment through ATMs etc.
2012-13
Other initiatives
Payment Systems
85
2012-13
information Security
86
c)
BARODA RTGS/nEFT
31/03/2012 31/03/2013
Addition
during the
year
No. of ATMs
operationalised
2,012
2,630
618
No. of Debit
Cards Issued
(lakh)
80.44
103.76
23.32
2011-12
RTGS
NEFT
2012-13
RTGS
NEFT
No. of Inward
Transactions
No. of Outward
Transactions
7,720
28,376
9,929
76,361
9,338
13,211
11,713
25,092
Particulars
E-business
2012-13
a)
b)
No. of Users
No. of A/cs
Linked
31/03/2012 31/03/2013
Addition
during the
year
8,10,430
10,76,635
2,66,205
32,49,216
45,79,969
13,30,753
b)
87
2012-13
human Resources
ATM/Debit Card
Talking ATM
Your Bank took a big step for developing the next line of
leaders for the future by putting in place a Talent Management
system which proactively identifies future potential leaders
to effectively mitigate the risks arising out of the anticipated
leadership gaps in the next five years and also grooms these
future leaders through a systematic development agenda.
Through a systematic and structured process, the Bank was
able to clearly identify around 15.0% to 20.0% people in specific
scales of officers viz. in Scales III, IV, V and VI as the future
leaders. A grooming plan has been laid down for each of them.
The process is envisaged as an annual exercise so that the
pool of identified people and the various talent management
activities envisioned are continuously reviewed and refined. A
first of its kind Baroda Annual Leadership Conclave was
conceptualized to provide the members of the Talent pool to
broaden their perspectives on banking and industry trends and
help them connect and network with their peers and senior
leadership in the Bank, and the first such conclave was held
in Mumbai on 11-12 August, 2012.
Contact Centre
Web Chat
SMS/Voice/Emails blasts
88
2012-13
89
2012-13
90
implementation of hR Technology
Your Bank has created a very comprehensive HR technology
platform covering HRM, Training, Payroll & Leave modules
christened as the Human Resources Network for Employee
Services (HRNes). This technology platform has enabled
automation of various HR functionalities and various modules/
various new processes were automated/ implemented during
the year.
Recruitment Drive
Your Bank has been undertaking focused hiring efforts on
a sustained basis year on year, to cater to superannuation,
sustained business growth and rapid Branch expansion.
Various recruitment exercises were undertaken during the
year to address the emerging manpower requirements in your
Bank. Recruitment of Specialist officers, probationary officers,
recruitment of young MBAs directly from the campuses of
renowned Business Schools were initiated to meet the needs
of your Bank, both in terms of replacements for normal attrition
and factoring in the business growth needs. Your Bank recruited
1,246 Officers in various Grades/Scales (both Generalists &
Specialists), 1,731 Clerks and 700 Subordinate staff members
during FY13. The recruitment process is continued in the year
2013-14 also with various recruitment projects underway for
filling up almost 2,800 posts of officers and 3,500 posts of clerks.
160
Clerk to Officer
553
1332
1055
480
160
35
18
Reservation in Employment
Your Bank observes all guidelines stipulated by the Government of
India for reservation of posts in employment in All India recruitment
and local recruitment. Around 15.0% posts are reserved for SCs
and 7.5% posts are reserved for STs in all India recruitments
as also for selection to Baroda Manipal School of Banking (i.e.,
another channel of resourcing started by the Bank). For other
recruitments made on regional basis, appropriate percentage
prescribed for various States is being observed. Special efforts
are made like offering pre-recruitment orientation training to SC/ST
applicants for recruitment in your Bank. Relaxation in age limit and
qualifications are given and interviews of SC/ST candidates are
taken on relaxed standards in order to ensure that appointment of
candidates to the reserved posts happens. In the Interview Panel for
recruitment, a member belonging to SC/ST is invariably associated.
Candidates belonging to SC/ST, who are called for interview, are
reimbursed traveling expenses. In addition to providing reservation
in employment, your Bank is also providing reservation and other
enabling mechanisms in career growth and promotions to SC
and ST employees as per the existing guidelines. Pre-promotion
training before participating in promotion exercises is also provided
to these candidates. Around 10.0% of the available residential
accommodation of your Bank is reserved for the SC/ST candidates.
The staff strength and representation of SCs and STs as of 31st
March 2013 is as under.
Cadre
Total
SC
SC %
ST
ST%
Officers
17933
3044
16.97
1261
7.03
Clerks
16869
2392
14.18
1158
6.86
Substaff
8306
2836
34.14
769
9.26
Total
43108
8272
19.19
3188
7.39
SC/ST Cell
An exclusive SC/ST Cell in your Bank has been set up to
monitor the reservation and other enabling provisions for SC/
ST employees. An executive in the rank of General Manager
is appointed as Chief Liaison Officer for SC/ST employees to
ensure compliance of various guidelines pertaining to the SC/
ST employees. A Liaison Officer for SC/ST has been appointed
in each Zone of the Bank who takes care of all matters and
2012-13
Place of Meeting
Date
01
Jaipur
26.05.2012
02
Dehradhun
25.07.2012
03
Bangalore
22.08.2012
04
Bhopal
27.09.2012
91
2012-13
BPR Workshop
92
Your Bank has rolled out the Sales processes at branch and
enterprise-wide Sales Accountability Model (Baroda-Next
Sales Operating Model).
Your Bank undertakes periodic customer and Employee
Satisfaction Surveys for impact evaluation.
The BPR performance of your Bank has created a positive
impact both in terms of business growth and customer/
employee satisfaction through the following.
Baroda-next Branch- Around 1,382 metro/urban
branches have been rolled out as Baroda Next branches
in your Bank so far.
Branch Front-end Automation- The Queue Management
System (QMS) & Cheque Deposit Machine (CDS)
machines are installed in 93 and 40 branches, respectively.
City Back Office (CBO) - Clearing operations have been
centralized for all branches (linked to CBO). Three CBOs
at Mumbai, Ahmadabad and Surat have been automated.
Regional Back Office (RBO) - Altogether 2,925 and
3,900 branches are linked for CASA opening and PCB
(Personalized Cheque Book) issuance, respectively.
Credit centralization Pilot (RLF/ SMELF) The Retail
and SME credit centralization pilot is under progress at
the Loan Factories in Baroda.
Rollout Sales Operating Model at each Baroda next
branch- The Sales Operating Model at 32 Regions
covering 739 Baroda-Next branches has been rolled out.
Mid-corporate vertical- Separate Mid-corporate vertical
has been created and 15 Mid-corporate branches have
been opened at important locations.
Academy of Excellence- Continuous sensitization,
training and capability building at all levels remain an
integral part of the Baroda Next rollout programme. It
involves a Zonal /Regional Kick-off, Branch Meeting; Boot
camp, Branch-based Training, External Sales Trainings
and Conclaves.
Sustainability of navnirmaan initiatives/impact- A
certification procedure for Baroda Next branches has
been introduced in terms of which process compliance/
adherence are being evaluated by your Banks Internal
inspectors and CSAT/ESAT are being evaluated externally
by the Market Research Agencies.
Marketing
During FY13, your Bank continued to promote its brand and
various products and services through advertising, customer
engagement programs and in-branch display. In the process,
your Bank endeavoured to use different media vehicles such
as Print, Electronic and OOH apart from supporting the onground activities undertaken by branches in the Zones/Regions.
The highlights of various marketing/communication activities
undertaken during FY13 are given below.
Your Bank initiated a unique Brand Engagement Program
titled Bank of Baroda Canvass Competition on 14th
November 2012 - Childrens Day, to create a platform for
building a long-term relationship with a younger audience as
well as their influencers i.e. parents/teachers. The Competition
was designed to invite entries from school children across the
country on a pre-determined topic and winning entries were
selected on National/Zonal/Regional levels by a select panel of
judges. Your Banks mascot i.e. Stickman was also leveraged
extensively during the Competition to help establish a brandassociation with the Target audience. A judicious mix of Print
2012-13
a)
b)
c)
During FY13, as part of its Public Relations task, your Bank had
wide Media Coverage of its activities across the country which
helped in maintaining the Banks Brand image.
Your Bank also won several awards from reputed Media Houses
and other Organizations during the Year on various business
parameters, a list of which is appended below.
b)
c)
d)
e)
All India Marketing Officers Conclave conducted at Staff
College, Ahmedabad August 2012
93
2012-13
a)
b)
b)
c)
Bank of Baroda conferred with Best PSU Bank Award for the year
2011-12 by Financial Express- received by Shri S. S. Mundra (CMD)
94
2012-13
95
2012-13
96
Country
Owned
Funds
Total
Assets
India
13,591.17
15,018.28
596.79
30
BOBCARDS Ltd., 29
Sept, 1994
India
14,546.46
16,019.04 1,922.74
33
102
India
1,749.46
2,525.75 -1,871.98
88
India
India
India
30,801.66
30,813.10
Net
Profit
801.66
Offices Staff
35 1,476
107
830
2012-13
Board of Directors
97
2012-13
98
Acknowledgement
The Directors express their sincere thanks to the Government
of India, Reserve Bank of India, Securities and Exchange
Board of India, other regulatory authorities, various financial
institutions, banks and correspondents in India and abroad for
their valuable guidance and support.
The Directors acknowledge with appreciation the assistance
and cooperation extended by all stakeholders of your Bank like
customers, shareholders and well wishers in India and abroad.
The Directors place on record deep appreciation for the hard
work and dedication of the members of your Banks staff at
different levels, which enabled your Bank to record high quality,
consistent growth year after year despite economic challenges
and consolidate its position as one of the premier banks in the
country.
S. S. Mundra
Chairman and Managing Director
2012-13
1.
yeQke Ske meteerye efvekeee nw, pees Ske kecheveer veneR nw, Deefheleg yeQkekeejer
kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 DeLee&led
yeQkekeejer kebheveer Depe&ve DeefOeefveece kes lenle efvekeee keeheexjs nw leLee
Yeejleere efj]peJe& yeQke eje efJeefveeefcele neslee nw, Dele meke SkemeeWpees kes
meeLe efkeS ieS meteereve kejej kes mebMeesefOele GheKeC[ 49 kes heeJeOeeveeW kee
Gme meercee leke heeueve kejsiee, peneb leke yeQkekeejer kebheveer (GheeceeW kee
Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 kes heeJeOeeveeW Deewj Fme mebyebOe ceW
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kee GuuebIeve veneR neslee nw.
2.
2.
BOARD OF DiRECTORS
2.1 Composition of the Board
The composition of Board of Directors of the Bank
is governed by the provisions of The Banking
Regulation Act, 1949, The Banking Companies
(Acquisition & Transfer of Undertakings) Act,
1970, as amended and The Nationalized Banks
(Management & Miscellaneous Provisions) Scheme,
1970, as amended.
31 ceee& 2013 keer eqmLeefle kes Deveghe efveosMeke ceC[ue kee mJehe
efvecveevegmeej nw:
efveosMeke ceb[ue
2.1 efveosMeke ceb[ue kee mJehe
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of
No. of Director- No. of Membership/
mebKee
member- ship held in other Chairmanship held
No. of equity
in Sub Committees
shares of the ship in Sub Companies i.e.
of the Board in
-Committees
Other
than
the
Bank held as
other Companies
Bank
on 31.3.2013 of the Bank
510
99
veece
Name
Heoveece
Position Held
Sr.
No.
2012-13
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of
No. of Director- No. of Membership/
mebKee
member- ship held in other Chairmanship held
No. of equity
ship
in Sub Companies i.e. in Sub Committees
shares of the
of the Board in
Bank held as -Committees Other than the
other Companies
Bank
on 31.3.2013 of the Bank
eer efhe.eerefveJeeme
Shri P. Srinivas
keee&heeueke efveosMeke
(keee&heeueke)
Metve
10
NIL
Metve
NIL
Executive
Director
(Executive)
keee&heeueke efveosMeke
(keee&heeueke)
Executive
Director
(Executive)
Metve
NIL
10
Metve
NIL
100
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of
No. of Director- No. of Membership/
mebKee
keee&heeueke efveosMeke
(keee&heeueke)
Metve
10
NIL
Metve
NIL
Executive
Director
(Executive)
2012-13
efveosMeke (iewj
keee&heeueke) kesvere
mejkeej kes heefleefveefOe
Metve
NIL
Metve
NIL
efveosMeke (iewj
keee&heeueke) Yeejleere
efj]peJe& yeQke eje
mebmlegle
Director (Non
Executive)
Recommended
by RBI
Metve
NIL
Metve
Metve
NIL
NIL
101
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
2012-13
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of
No. of Director- No. of Membership/
mebKee
member- ship held in other Chairmanship held
No. of equity
in Sub Committees
shares of the ship in Sub Companies i.e.
of the Board in
Bank held as -Committees Other than the
other Companies
Bank
on 31.3.2013 of the Bank
620
Metve
Metve
NIL
NIL
Director
(Non
Executive)
Representing
Workmen
efveosMeke (iewj
keee&heeueke)
DeefOekeejer kece&eeefjeeW
kes heefleefveefOe
efveosMeke (iewj
keee&heeueke)
490
Metve
Metve
Metve
NIL
NIL
NIL
Director (Non
Executive )
Representing
Officer
Employees
200
Metve
Metve
NIL
NIL
Director ( Non
Executive )
10
efveosMeke (iewj
keee&heeueke)
Tripathi
Director ( Non
Executive )
Metve
NIL
Metve
Metve
NIL
NIL
102
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
11
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of Membership/
No.
of
No.
of
DirectormebKee
125
Metve
Metve
NIL
NIL
Director
Elected from
amongst
Shareholders,
other than
Central
Government
efveosMeke (iewj
keee&heeueke) kesv
mejkeej mes efYeVe
MesejOeejkeeW ceW mes
efveJee&efele
Director
(Non Executive)
Elected from
amongst
Shareholders,
other than
Central
Government
(Non Executive)
12
2012-13
200
103
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
13
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of Membership/
No.
of
No.
of
DirectormebKee
member- ship held in other Chairmanship held
No. of equity
in Sub Committees
shares of the ship in Sub Companies i.e.
of the Board in
Bank held as -Committees Other than the
other Companies
of
the
Bank
Bank
on 31.3.2013
efveosMeke (iewj
keee&heeueke) kesv
mejkeej mes efYeVe
MesejOeejkeeW ceW mes
efveJee&efele
Director
(Non Executive)
Elected from
amongst
Shareholders,
other than
Central
Government
104
2012-13
200
2012-13
eer megOeerj kegceej pewve : yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 18.06.2012
mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes he ceW
efveege. Jes heebe Je<e& keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW, FveceW mes pees Yeer henues
nes, leke Deheves heo hej jnWies.
eer jbpeve OeJeve : yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece
1970 keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 01.11.2012 mes hetCe&
keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes he ceW efveege.
Jes 30.09.2015 leke DeLee&le Deheveer DeefOeJee|<elee keer leejerKe DeLeJee Deeieeceer
DeeosMeeW leke, FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies.
eer jepeerJe kegceej ye#eer, hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele), 01.11.2012 mess keee&keeue meceehle nesves kes keejCe efveosMeke kes he
ceW veneR jns.
efJeeere Je<e& 2012-13 kes oewjeve efveosMeke ceC[ue keer -17- yew"keW efvecveevegmeej
Deeeesefpele keer ieF&, peyeefke je^ereke=le yeQke (heyevOeve SJeb efJeefJeOe heeJeOeeve)
eespevee 1970 kes KeC[ 12 kes Debleie&le efveOee&efjle vetvelece -6- yew"keW Deeeesefpele
kejvee DeefveJeee& nw.
13.04.2012
03.05.2012
04.05.2012
15.05.2012
30.05.2012
28.06.2012
20.07.2012
30.07.2012
30.08.2012
28.09.2012
21.10.2012
22.10.2012
29.11.2012
24.12.2012
03.02.2013
04.02.2013
02.03.2013
105
2012-13
efveosMeke ceb[ue keer Gheeg&e yew"keeW ceW efveosMekeeW keer GheeqmLeefle kee yeewje efvecveevegmeej
nw, pees Gvekes keee&keeue mes mebye nw:
efveosMeke kee veece
DeJeefOe
Period
yew"keW efpeveceW
Yeeie efueee
13
13
Meetings Held
During Their Tenure
eer Sce.[er.ceuee
eer Sme.Sme.cetbo[e
eer jepeerJe kegceej ye#eer
eer Sve.Sme.eerveeLe
eer efhe.eerefveJeeme
eer megOeerj kegceej pewve
eer jbpeve OeJeve
eer Deeueeske efveiece
eer megoMe&ve mesve
eer efJeefveue kegceej mekemesvee
eer Jeer.yeer.eJneCe
eer Depee ceeLegj
[e@.(eerceleer) cemej&le Meeefno
eer mele osJe ef$ehee"er
eer ceewefueve DejefJevo Jew<CeJe
eer megjsv Sme.YeC[ejer
eer jepeerye mesKej meent
Shri M. D. Mallya
01.04.2012 to 30.11.2012
Shri S. S. Mundra
21.01.2013 to 31.03.2013
01.04.2012 to 31.10.2012
12
12
Shri N. S. Srinath
01.04.2012 to 31.05.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
12
12
18.06.2012 to 31.03.2013
12
10
01.11.2012 to 31.03.2013
01.04.2012 to 31.03.2013
17
01.04.2012 to 31.03.2013
17
14
01.04.2012 to 31.03.2013
17
17
Shri V. B. Chavan
01.04.2012 to 31.03.2013
17
17
01.04.2012 to 31.03.2013
17
16
01.04.2012 to 28.10.2012
12
12
01.04.2012 to 31.03.2013
17
17
01.04.2012 to 31.03.2013
17
16
01.04.2012 to 31.03.2013
17
16
01.04.2012 to 31.03.2013
17
17
Meetings
Attended
1. eer Sce.[erceuee
2. eer jepeerJe kegceej ye#eer
3. eer efhe.eerefveJeeme
Shri M. D. Mallya
keee&heeueke efveosMeke
keee&heeueke efveosMeke
Executive Director
Executive Director
4.
5.
6.
7.
8.
9.
efveosMeke
efveosMeke
efveosMeke
efveosMeke (DeOe#e Smeeryeer)
efveosMeke
efveosMeke
Director
Director
Director
Director (Chairman ACB)
Director
Director
eer Jeer.yeer.eJneCe
eer Depee ceeLegj
[e@.(eerceleer) cemej&le Meeefno
eer mele osJe ef$ehee"er
106
l
yees[& keer uesKee hejer#ee meefceefle (Smeeryeer)
l
Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe meefceefle (meerSmeeryeer)
l
Mesej/ yeeb[ DeblejCe meefceefle
l
yees[& keer Deeeqmle oselee heyevOeve leLee peesefKece heyevOeve Ghemeefceefle
l
ieenke mesJee meefceefle
l
heeefjeefceke meefceefle
l
veeceebkeve meefceefle
l
efveosMekeeW keer meefceefle
l
ye[er jeefMe keer OeesKeeOe[er mecyevOeer meefceefle
l
efveosMeke ceC[ue keer metevee heeweesefiekeer keee&veerefle mecyevOeer meefceefle
l
efveosMeke ceC[ue keer ceeveJe mebmeeOeve mecyevOeer mebeeueve mecyevOeer
meefceefle
l
Jemetueer efveiejeveer meefceefle
l
Mesej Oeejke efveosMekeeW kes egveeJe kes efueS heefleYeeefieees kees meceLe&ve
2012-13
4.
107
2012-13
efJeeere Je<e& 2012-2013 kes oewjeve yees[& keer heyebOeve meefceefle (Sceyeeryeer) keer
efvecveebefkele leejerKeeW kees 29 yew"keW Deeeesefpele ngF&-
13.04.2012
03.05.2012
15.05.2012
30.05.2012
19.06.2012
28.06.2012
20.07.2012
29.07.2012
10.08.2012
30.08.2012
13.09.2012
28.09.2012
11.10.2012
21.10.2012
06.11.2012
15.11.2012
29.11.2012
09.12.2012
18.12.2012
24.12.2012
28.12.2012
08.01.2013
19.01.2013
03.02.2013
09.02.2013
18.02.2013
02.03.2013
11.03.2013
20.03.2013
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW ceW
Gvekeer GheeqmLeefle mecyevOeer efJeJejCe efvecve hekeej nw:
eqveosMeke kee veece
eer Sce.[er.ceuee
eer Sme.Sme.cetbo[e
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eer Sve.Sme.eerveeLe
eer efhe.eerefveJeeme
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eer jbpeve OeJeve
eer megoMe&ve mesve
eer efJeefveue kegceej mekemesvee
eer efJeefveue kegceej mekemesvee
eer Depee ceeLegj
[e@.(eerceleer) cemej&le Meeefno
eer jepeerye mesKej meent
eer jepeerye mesKej meent
eer megjsv Sme. YeC[ejer
eer Jeer.yeer.eJneCe
eer ceewefueve DejefJevo Jew<CeJe
eer mele osJe ef$ehee"er
Shri M. D. Mallya
Shri S. S. Mundra
Shri Rajiv Kumar Bakshi
Shri N. S. Srinath
Shri P. Srinivas
Shri Sudhir Kumar Jain
Shri Ranjan Dhawan
Shri Sudarshan Sen
Shri Vinil Kumar Saxena
Shri Vinil Kumar Saxena
Shri Ajay Mathur
Dr.(Smt.) Masarrat Shahid
Shri Rajib Sekhar Sahoo
Shri Rajib Sekhar Sahoo
Shri Surendra S. Bhandari
Shri V. B. Chavan
Shri Maulin Arvind Vaishnav
Shri Satya Dev Tripathi
108
eer Sme.Sme.cetbo[e
eer efhe.eerefveJeeme
eer megOeerj kegceej pewve
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DeJeefOe
Period
(i)
yew"keW efpeveceW
Yeeie efueee
(vi)
(vii)
eer Jeer.kes.ieghlee
eer jepesMe cenepeve
ceneheyevOeke ieCe
ceneheyevOeke (keeheex.Keeles,
keejeOeeve SJeb cegKe efJeeere
DeefOekeejer)
ceneheyevOeke (peesefKece heyevOeve)
$e+Ce / ^spejer keeeeX mes mecye
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keer efvecveefueefKele leejerKeeW hej -33- yew"keW ngF:
(v)
Shri V. K. Gupta
2012-13
10.04.2012
18.04.2012
28.04.2012
15.05.2012
28.05.2012
08.06.2012
16.06.2012
26.06.2012
05.07.2012
16.07.2012
19.07.2012
28.07.2012
10.08.2012
22.08.2012
30.08.2012
06.09.2012
13.09.2012
20.09.2012
28.09.2012
11.10.2012
19.10.2012
25.10.2012
29.10.2012
09.11.2012
23.11.2012
29.11.2012
31.01.2013
18.02.2013
28.02.2013
12.03.2013
19.03.2013
26.03.2013
30.03.2013
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW ceW
Gvekeer GheeqmLeefle mecyevOeer efJeJejCe efvecve hekeej nw:
veece
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eer Deej.kes.yebmeue
eer efmeefjue hee$ees
eer Sue.yeer.Mecee&
eer yeer.eerefveJeemeve
eer ceesnj eEmen
eer Deej.Sme.DeYebkej
eer DeCe eerJeemleJe
eer Deej.kes.Mecee&
eer Sve.Sve.YeeuesjeJe
eer Sme.kes.hegpeejer
Name
eqveosMeke / keee&heeueke
Director / Executive
Number of Meetings
yew"keW efpeveceW
Yeeie efueee
Shri M. D. Mallya
Chairman & MD
26
Meetings
attended
26
Shri S. S. Mundra
Chairman & MD
Executive Director
23
23
Shri N. S. Srinath
Executive Director
Shri P. Srinivas
Executive Director
26
20
Executive Director
26
23
Executive Director
10
Shri V. K. Gupta
Executive
31
22
Executive
32
27
Shri N. Ramani
Executive
Shri J. Ramesh
Executive
19
18
Shri V. H. Thatte
Executive
27
25
Shri R. S. Setia
Executive
12
10
Executive
Shri R. K. Bansal
Executive
14
13
Executive
12
Shri L. B. Sarma
Executive
Shri B. Srinivasan
Executive
Executive
Shri R. S. Abhyankar
Executive
Executive
16
15
Shri R. K. Sharma
Executive
14
14
Shri N. N. Bhalerao
Executive
Shri S. K. Poojary
Executive
109
2012-13
(i)
(i)
meome
(iii)
meome
(iv)
meome
(iv)
meome
(v)
meome
(vi)
meome
16.11.2012 mes eer ceewefueve DejefJevo Jew<CeJe Smeeryeer kes meome veneR jns.
efJeeere Je<e& 2013-13 kes oewjeve yees[& keer uesKee hejer#ee meefceefle (Smeeryeer) keer
-11- yew"keW efvecveefueefKele leejerKeeW hej Deeeesefpele keer ieF&:
25.04.2012
21.10.2012
03.05.2012
29.11.2012
15.05.2012
24.12.2012
29.07.2012
01.03.2013
07.09.2012
DeJeefOe
Period
yew"keW efpeveceW
Yeeie efueee
01.04.2012 to 31.03.2013
Meetings held
during their tenure
11
01.04.2012 to 31.10.2012
Shri N. S. Srinath
01.04.2012 to 31.05.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
Meetings
attended
11
01.11.2012 to 31.03.2013
01.04.2012 to 31.03.2013
11
01.04.2012 to 31.03.2013
11
10
01.04.2012 to 15.11.2012
16.11.2012 to 31.03.2013
uesKee hejer#ee meefceefle kee Deve yeeleeW kes meeLe meeLe, hecegKe keee& yeQke keer efJeeere
metevee heCeeueer keer meceer#ee Deewj Deekeueve kejvee nw leeefke en megefveeqele nes mekes
efke efJeeere efJeJejefCeeeB mener, Gheege Deewj efJeemeveere nQ. en meefceefle yees[& kees
hemlegle kejves mes henues efleceener / Jeee|<eke efJeeere efJeJejefCeeeW keer meceer#ee Deewj
heyevOeve kees lelmecyevOeer mebmlegefle kejleer nw.
en uesKee hejer#ee meefceefle efoMee efveoxMe osleer nw leLee yeQke kes meceie uesKee hejer#ee
keeeeX keer meceer#ee kejleer nw, efpemeceW mebie"ve, heefjeeueve leLee Deebleefjke uesKee
110
- Chairman of the
Committee
(ii) Shri P. Srinivas
- Member
(iii) Shri Sudhir Kumar Jain
- Member
(iv) Shri Ranjan Dhawan
- Member
(v) Shri Alok Nigam
- Member
(vi) Shri Sudarsan Sen
- Member
(vii) Shri Rajib Sekhar Sahoo - Member
Shri Maulin Arvind Vaishnav ceased to be a member of
ACB w.e.f. 16.11.2012.
During the Financial Year 2012-13, the Audit Committee
of the Board (ACB) met on - 11 - occasions on the dates
given below :
19.07.2012
03.02.2013
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW ceW
GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
efveosMeke kee veece
2012-13
meebefJeefOeke uesKee hejer#ee kes mevoYe& ceW uesKee hejer#ee meefceefle, Jeee|<eke / efleceener
efJeeere KeeleeW SJeb efjheeseX kees Debeflece he osves mes hetJe& kesvere meebefJeefOeke uesKee
hejer#ekeeW kes meeLe efJeeej efJeceMe& kejleer nw. en meefceefle uee@bie Hee@ce& Dee@ef[ efjhees&
(SueSHeSDeej) keer efJeefYeVe ceoeW hej DevegJeleea keee&Jeener Yeer kejleer nw.
yeQke ves MesejOeejkeeW leLee efveJesMekeeW keer efMekeeeleeW, eefo keesF& neW, kes
efveJeejCe nsleg MesejOeejke /efveJesMeke efMekeeele efveJeejCe meefceefle kee ie"ve
efkeee nw.
(ii)
leerve Deve iewj keee&heeueke efveosMeke Fmekes meome leLee Ske iewj
keee&heeueke efveosMeke Fmekes DeOe#e nQ.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04- yew"keW
Deeeesefpele keer ieF:
03.05.2012
20.07.2012
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW ceW
GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
efveosMeke kee veece
(i)
(ii)
Chairman of the
Committee
(ii)
Shri P. Srinivas
Member
(iii)
Member
(iv)
Member
(v)
Member
(vi)
Member
19.01.2013
DeJeefOe
yew"keW efpeveceW
Yeeie efueee
2
1
3
3
2
4
4
2
1
3
2
1
4
4
Period
Meetings held
during their tenure
01.04.2012 to 31.10.2012
01.04.2012 to 31.05.2012
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
01.11.2012 to 31.03.2013
01.04.2012 to 31.03.2013
01.04.2012 to 31.03.2013
Meetings
attended
111
2012-13
meefceefle Fme DeeMee keer cee@efveeEjie kejleer nw efke DeblejCe, GheefJeYeepeve, meceskeve,
veJeerkejCe, efJeefvecee DeLeJee ceebie/DeeJebve jeefMe kes hejebkeve keer hemlegefle leejerKe mes
Ske ceen kes Yeerlej meYeer heceeCe he$e peejer kej efoS peeSb. meefceefle efveJesMekeeW keer
efMekeeeleeW kes efveJeejCe kes efueS meceeye he mes efveiejeveer Yeer kejleer nw.
Je<e& kes oewjeve heehle SJeb efveJeejCe keer ieF& efMekeeeleeW / efveJesoveeW keer mebKee kee
meejebMe veeres efoee ieee nw:
01.04.2012 kees yekeeee
Pending as on 01.04.2012
Pending as on 31.03.2013
32
34683
34696
19
Je<e& kes oewjeve yekeeee meYeer DeeJesove [ghueerkes Mesej mee|efHekes peejer kejves mes
mecyeeqvOele DevegjesOe he$e Les leLee Fmekes mebyebOe ceW DeewheeeefjkeleeSb heefeee DeOeerve nQ
/ keee&Jeener keer pee jner nw.
All the pending cases as at the end of the year were pertaining
to the request for issue of duplicate share certificates, in respect
of which the necessary formalities were in process.
eer efJevee S. Meen, GHe ceneheyevOeke SJeb kecheveer meefeJe kees me@ke SkemeeWpeeW kes
meeLe meteerkejCe DevegyevOe kes KeC[ 47 (S) kes lenle yeQke kes Devegheeueve DeefOekeejer
kes he ceW efveege efkeee ieee nw.
Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe mes mecyeeqvOele meefceefle kes
Deefleefje, yeQke ves keee&heeuekeeW keer Ske Mesej DeblejCe meefceefle ieef"le keer nw.
DeOe#e SJeb heyevOe efveosMeke, keee&heeueke efveosMeke ieCe, -2- ceneheyevOeke
leLee Ghe ceneheyevOeke / meneeke ceneheyevOeke (efJeefOe) Fmekes meome nQ.
15 efove ceW meefceefle keer kece mes kece Ske yew"ke Deeeesefpele nesleer nw efpemekee
heeespeve MesejeW / yee@C[eW kes DeblejCe keer heefeee kees lespe kejvee neslee nw.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer -55- yew"keW ngF& efpevekee efJeJejCe
efvecveevegmeej nw:
03.04.2012
10.04.2012
12.04.2012
23.04.2012
03.05.2012
09.05.2012
14.05.2012
22.05.2012
30.05.2012
05.06.2012
09.06.2012
15.06.2012
23.06.2012
03.07.2012
11.07.2012
16.07.2012
23.07.2012
25.07.2012
31.07.2012
09.08.2012
10.08.2012
16.08.2012
03.09.2012
06.09.2012
14.09.2012
20.09.2012
26.09.2012
04.10.2012
10.10.2012
18.10.2012
25.10.2012
31.10.2012
08.11.2012
16.11.2012
22.11.2012
27.11.2012
05.12.2012
13.12.2012
20.12.2012
27.12.2012
02.01.2013
09.01.2013
17.01.2013
24.01.2013
30-01-2013
31.01.2013
06.02.2013
14.02.2013
21.02.2013
26.02.2013
06.03.2013
14.03.2013
16.03.2013
19.03.2013
28.03.2013
4.6 Deeeqmle oselee heyevOeve SJeb peesefKece heyevOeve hej efveosMeke ceC[ue keer
Ghemeefceefle
yeQke ves Ske efveosMeke ceb[ue mlejere peesefKece heyevOeve meefceefle kee ie"ve efkeee
nw pees Deeeqmle oselee heyevOeve SJeb peesefKece heyevOeve hej efveosMeke ceb[ue keer
Ghemeefceefle kes he ceW peeveer peeleer nw leLee yeQke eje hetJee&vegceeefvele mechetCe&
peesefKece keer meceer#ee SJeb cetueebkeve kejleer nw.
112
eer Sme.Sme.cetbo[e
eer efhe.eerefveJeeme
(iii) eer megOeerj kegceej pewve
(iv) eer jbpeve OeJeve
(v) eer megjsv Sme. YeC[ejer
DeOe#e
meome
meome
meome
meome
(ii)
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04yew"keW Deeeesefpele keer ieF:
28.06.2012
30.08.2012
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW
ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
efveosMeke kee veece
2012-13
02.03.2013
DeJeefOe
Period
yew"keW efpeveceW
Yeeie efueee
Meetings held
during their tenure
eer Sce.[er.ceuee
eer Sme.Sme.cetbo[e
eer jepeerJe kegceej ye#eer
eer efhe.eerefveJeeme
eer megOeerj kegceej pewve
eer jbpeve OeJeve
eer megjsv Sme. YeC[ejer
Meetings
attended
Shri M. D. Mallya
01.04.2012 to 30.11.2012
Shri S. S. Mundra
21.01.2013 to 31.03.2013
01.04.2012 to 31.10.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
01.11.2012 to 31.03.2013
01.04.2012 to 31.03.2013
yeQke ves efJeefYeVe peesefKeceeW eLee esef[ peesefKece, yeepeej peesefKece leLee
heefjeeueveiele peesefKece kee helee ueieeves, heyevOeve, DevegheJele&ve leLee efveeb$eCe
kees Oeeve ceW jKeles ngS yeQke ceW mecegefele peesefKece heyevOeve {eBee leweej efkeee
nw efpemeceW peesefKece mebjeveelceke {eBee, peesefKece efmeeble, peesefKece heefeee,
peesefKece efveeb$eCe leLee peesefKece uesKee hejer#ee Meeefceue nw. Fmekee cegKe
GsMe yeQke kes je^ere SJeb Debleje&^ere heefjeeueveeW kees efvejblej yesnlej SJeb
keee&kegMeue yeveevee nw Deewj yeQke keer megj#ee hej Oeeve osvee nw.
yeQke ves efveosMeke ceb[ue keer Ske Ghemeefceefle kee ie"ve efkeee nw pees "ieenke
mesJee meefceefle" kes veece mes peeveer peeleer nw. 31 ceee& 2013 kees meefceefle kes
efvecveefueefKele meome nwb :
(i)
eer Sme.Sme.cetbo[e
(i)
Shri S. S. Mundra
Chairman &
Managing Director
(ii)
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
(ii)
Shri P. Srinivas
Executive Director
keee&heeueke efveosMeke
Executive Director
keee&heeueke efveosMeke
Executive Director
(v)
efveosMeke
(v)
Director
(v)
efveosMeke
(v)
Director
113
2012-13
meefceefle kes keeeeX ceW ieenke mesJeeDeeW keer iegCeJeee kees yesnlej yeveeves kes efueS
megPeeJe leLee veJeesvces<eer GheeeeW kes efueS huesHee@ce& kee me=peve kejvee leLee meYeer
mebJeie& kes ieenkeeW kes efueS meblegeq kes mlej ceW megOeej kejvee Meeefceue nw efpemeceW
Deve yeeleeW kes meeLe meeLe efvecveefueefKele kee meceeJesMe nw:
(i)
i.
(ii)
DeefOeefveCe&e keer leejerKe mes leerve cenerves mes DeefOeke yeerle peeves hej Yeer ueeiet
ve efkeS ieS yekeeee DeefOeefveCe&eeW leLee yeQeEkeie ueeskeheeue eje yeQeEkeie mesJeeSb
heoeve kejves ceW heeF& ieF& keefceeeW keer eqmLeefle keer meceer#ee kejvee.
ii.
(iii)
iii.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04yew"keW Deeeesefpele keer ieF:
28.06.2012
30.08.2012
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW
ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
Name of the Director
efveosMeke kee veece
09.02.2013
DeJeefOe
Period
yew"keW efpeveceW
Yeeie efueee
Meetings
attended
eer Sce.[er.ceuee
Shri M. D. Mallya
01.04.2012 to 30.11.2012
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
21.01.2013 to 31.03.2013
01.04.2012 to 31.10.2012
eer efhe.eerefveJeeme
Shri P. Srinivas
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
01.11.2012 to 31.03.2013
01.04.2012 to 28.10.2012
01.04.2012 to 31.03.2013
29.11.2012 to 31.03.2013
114
2012-13
4.8
Remuneration Committee
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer oes yeej yew"ke ngF& DeLee&le
04.05.2012 leLee 30.05.2012. efpemeceW 04.05.2012 keer yew"ke ceW meYeer
meome GheeqmLele Les. efoveebke 30.05.2012 keer yew"ke kes efove eer megoMe&ve
mesve mJeerke=le DeJekeeMe kes keejCe DevegheeqmLele Les. DeefOemetevee keer MeleeX
kes Deveghe meefceefle ves veeres efoS ieS efJeJejCe kes Devegmeej efvecveefueefKele
hetCe&keeefueke efveosMekeeW kees heeslmeenve jeefMe kes Yegieleeve kejves kee efveCe&e
efueee.
e. meb
Sr. No
veece / Name
heo / Designation
Performance Linked
Incentives for the Financial
Year 2011-12 (`)
1
eer Sce.[er.ceuee
8,00,000
keee&heeueke efveosMeke
6,50,000
eer Sve.Sme.eerveeLe
keee&heeueke efveosMeke
6,50,000
Shri M. D. Mallya
2
Shri N. S. Srinath
115
2012-13
(i)
(i)
(ii)
eer Depee ceeLegj 01.02.2013 mes meefceefle kes meome vener jns.
efJeeere Je<e& 2012-13 kes oewjeve 03.05.2012 kees Ske yew"ke ngF&. meefceefle
ves 03.05.2012 kees Deeeesefpele yew"ke ceW lelkeeueerve Mesej Oeejke efveosMekeeW
kes "efHe SC[ hee@hej" msme keer mebJeer#ee keer. meefceefle ves Gve meye kees "efHe
SC[ hee@hej" heeee.
DeOe#e SJeb heyevOe efveosMeke SJeb Yeejle mejkeej leLee Yeejleere efjpeJe& yeQke
kes veeefcele efveosMekeeW keer Ske meefceefle kee ie"ve Jeefj mlej kes heefoVeefle
mecyevOeer keeeeX kes GsMe mes efkeee ieee nw. en meefceefle meleke&lee mecyevOeer
DevegMeemeefveke ceeceueeW Deewj efJeYeeieere peebeeW keer meceer#ee kee keee& Yeer kejleer
nw.
31 ceee&, 2013 leke meefceefle keer mebjevee Fme hekeej nw:
(i)
eer Sme.Sme.cetbo[e
(ii)
(iii)
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele efJeJejCe Devegmeej
- 5 yew"keW ngF :
28.06.2012
27.07.2012
27.07.2012
06.11.2012
03.02.2013
Meetings Attended
eer Sce.[er.ceuee
Shri M. D. Mallya
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
116
2012-13
Yeejleere efjpeJe& yeQke kes Ge heyevOekeeW kees Gmekeer efjheese\ie (ie) meeryeerDeeF& /
hegefueme peebe he[leeue keer heieefle leLee Jemetueer keer eqmLeefle (Ie) en megefveeqele
kejvee efke OeesKeeOe[er kes meYeer ceeceueeW ceW meYeer mlejeW hej meHe GejoeefelJe
kee hejer#eCe nes Deewj meHe hej keee&Jeener, eefo Dehesef#ele nes, DeefJeuecye nes
(e) OeesKeeOe[er keer hegvejeJe=efle kes efveJeejCe kes efueS keer ieF& megOeejelceke
keee&Jeener keer heYeeJeeslheeokelee keer meceer#ee eLee Deebleefjke efveeb$eCe kees
meMee kejvee Deewj () OeesKeeOe[er kes efKeueeHe efveJeejke GheeeeW kees meMee
kejves kes efueS eLeeJeMeke Deve Gheee kejvee.
efveosMeke ceb[ue kes -5- meomeeW keer ieef"le efJeMes<e meefceefle ceW (ke) DeOe#e
SJeb heyevOe efveosMeke (Ke) Smeeryeer kes oes meome (ie) Yeejleere efjpeJe& yeQke kes
veeefcele kes DeueeJee efveosMeke ceb[ue kes oes Deve meomeeW kee meceeJesMe nw.
28.09.2012
06.11.2012
09.02.2013
Shri S. S. Mundra
Shri Alok Nigam
Shri Maulin Arvind Vaishnav
Shri Surendra Singh Bhandari
Shri Rajib Sekhar Sahoo
Meetings Attended
eer Sce.[er.ceuee
Shri M. D. Mallya
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
ii.
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
iii.
keee&heeueke efveosMeke
iv.
keee&heeueke efveosMeke
v.
efveosMeke
vi.
vii.
Chairman of the
Committee
Shri P. Srinivas
Executive Director
Shri Sudhir Kumar Jain Executive Director
Shri Ranjan Dhawan
Executive Director
Shri Ajay Mathur
Director
Dr. Deepak B. Phatak External IT Expert
Shri R. Koteeswaran
General Manager (IT &
Projects) Convenor of
the meeting.
117
2012-13
Fme meefceefle kes mebKeelceke mJehe (keesjce) ceW -3- meome, efpeveceW -2meome efveosMeke ceC[ue (FveceW mes Ske keee&heeueke efveosMeke neWies) mes
leLee Ske yeee metevee heeweesefiekeer efJeMes<e%e Meeefceue neWies. en meefceefle Deve
yees[& meefceefle leLee Jeefj heyevOeve kes meeLe keee& kejles ngS yeQke keer metevee
heeweesefiekeer mebeeueve meefceefle kes keeeeX keer mebJeer#ee kejsieer leeefke keeheexjs
leLee metevee heeweesefiekeer veerefleeeW ceW hejmhej leeuecesue leLee leovegmeej mebJeer#ee
SJeb megOeej efkeee pee mekes.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04yew"keW Deeeesefpele keer ieF:
30.05.2012
28.09.2012
08.01.2013
Name
veece
Meetings Attended
Shri N. S. Srinath
Shri P. Srinivas
Shri S. S. Mundra
(ii)
Shri P. Srinivas
Executive Director
(iii)
keee&heeueke efveosMeke
(iv)
Executive Director
(v)
6.
Government Nominee
Director
7.
1.
eer Sme.Sme.cetbo[e
2.
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
3.
keee&heeueke efveosMeke
4.
5.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer Ske yew"ke 29 Deiemle, 2012
kees Deeeesefpele keer ieF& efpemeceW eer Deeueeske efveiece kes Deefleefje meYeer meomeeW
ves yew"ke ceW Yeeie efueee.
118
20.03.2013
(vi)
Professor, I I T, Mumbai
Professor, MDI, Gurgaon.
2012-13
efoveebke 21 veJecyej, 2012 kes Devegmeej Jemetueer kes efueS meg{ JeJemLee jKeves
kes ece ceW yees[& kees Ske meefceefle ieef"le kejves keer DeeJeMekelee nw efpemeceW
DeOe#e leLee heyevOe efveosMeke, keee&heeueke efveosMeke leLee mejkeej eje
veeefcele efveosMeke neWies pees Jemetueer keer heieefle hej efveeefcele he mes efveiejeveer
jKeWies.
yeQke ves 29 veJecyej, 2012 kees Deeeesefpele yees[& keer yew"ke ceW Jemetueer keer
cee@efveeEjie kes efueS meefceefle kee ie"ve efkeee.
eer Sme.Sme.cetbo[e
(ii)
eer efhe.eerefveJeeme
- keee&heeueke efveosMeke
(i)
Shri S. S. Mundra
Chairman and
Managing Director
(ii)
Shri P. Srinivas
Executive Director
Executive Director
(iii)
- keee&heeueke efveosMeke
Executive Director
(iv)
- keee&heeueke efveosMeke
(v)
(v)
GOI Nominee
Director
veJeieef"le meefceefle keer yew"ke 19 ceee&, 2013 kees Deeeesefpele keer ieF&. eer
Deeueeske efveiece kes Deefleefje meYeer meomeeW ves yew"ke ceW Yeeie efueee.
4.15 Mesej OeejkeeW efveosMekeeW kes egveeJe kes efueS heleeefMeeeW kes meceLe&ve
mebyebOeer meefceefle
efJeeere mesJeeSb efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej, veF& efouueer kes
efoMeeefveoxMeeW kes Devegmeej leLee he$e eceebke SHe.veb.16/112/2012-yeerDees-DeeF&
efoveebke 03 Dehewue, 2012 kes Devegmeej efJeeere mebmLeeDeeW ceW leLee meeJe&peefveke
#es$e keer yeercee kecheefveeeW efpeveceW nceeje yeQke meceeve Mesej Oeejke nw, ceW Mesej
OeejkeeW efveosMekeeW kes egveeJe kes efueS heleeefMeeeW kes meceLe&ve kes mebyebOe ceW efvecve
meomeeW kes meeLe yees[& keer meefceefle kee ie"ve efkeee ieee:
1. DeOe#e leLee heyevOe efveosMeke
2. keee&heeueke efveosMeke
3. eer Depee ceeLegj
4. eer jepeerye mesKej meent
yeQke ves 13.04.2012 kees Deeeesefpele efveosMeke ceb[ue keer yew"ke ceW efJeeere
mebmLeeDeeW leLee meeJe&peefveke #es$e keer yeercee kecheefveeeW kes Mesej OeejkeeW
efveosMekeeW kes egveeJe kes efueS heleeMeer kes meceLe&ve kes efueS meefceefle kee ie"ve
efkeee.
31.03.2013 kees meefceefle keer mebjevee efvecveevegmeej nw:
(i)
eer eer Sme.Sme.cetbo[e
DeOe#e SJeb heyevOe efveosMeke
(ii)
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
(iii) eer megOeerj kegceej pewve
keee&heeueke efveosMeke
(iv) eer jbpeve OeJeve
keee&heeueke efveosMeke
(v) eer Depee ceeLegj
efveosMeke
(vi) eer jepeerye mesKej meent
efveosMeke
efJeeere Je<e& 2012-13 kes oewjeve veJeieef"le meefceefle keer efvecveefueefKele leejerKeeW
hej -03- yew"keW Deeeesefpele keer ieF:
21.06.2012
20.07.2012
2.
Executive Directors
3.
4.
Shri S. S. Mundra
Chairman and
Managing Director
(ii)
Shri P. Srinivas
Executive Director
Executive Director
Executive Director
(v)
Director
Director
119
2012-13
eer Sce.[er.ceuee
eer jepeerJe kegceej ye#eer
eer efhe.eerefveJeeme
eer megOeerj kegceej pewve
eer Deeueeske efveiece
eer Depee ceeLegj
eer jepeerye mesKej meent
5.
Meetings Attended
Shri P. Srinivas
Shri M. D. Mallya
5.
REMUnERATiOn OF DiRECTORS
The remuneration including travelling and halting expenses
to Non-Executive Directors which are being paid as
stipulated by the Central Government in consultation with
Reserve Bank of India from time to time in terms of Clause
17 of the Nationalized Banks (Management and
Miscellaneous Provisions) Scheme, 1970 (as amended).
The Chairman and Managing Director and Executive
Directors (Four whole time directors) are being paid
remuneration by way of salary as per rules framed by the
Government of India. The details of remuneration and
Performance Linked Incentives paid to Chairman and
Managing Director and Executive Director/s is detailed
below:
A. Salary paid during the Financial Year 2012-13 :
e. meb.
veece / Name
heoveece / Designation
Amount (`)
eer Sce.[er.ceuee
2445265
eer Sme.Sme.cetbo[e
349654
keee&heeueke efveosMeke
1752674
keee&heeueke efveosMeke
676419
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
1200790
keee&heeueke efveosMeke
1222208
keee&heeueke efveosMeke
665588
Sr. No
Shri M. D. Mallya
2
Shri S. S. Mundra
3
Shri N. S. Srinath
5
Shri P. Srinivas
6
120
Executive Director
Executive Director
Executive Director
Executive Director
Executive Director
(Ke) Je<e& 2012-13 kes oewjeve keee&efve<heeove menye heeslmeenve kee Yegieleeve
2012-13
e. meb.
veece / Name
heoveece / Designation
Amount (`)
eer Sce.[er.ceuee
8,00,000
keee&heeueke efveosMeke
6,50,000
keee&heeueke efveosMeke
6,50,000
Sr. No
Shri M. D. Mallya
2
Executive Director
Shri N. S. Srinath
Executive Director
Je<e& 2012-13 kes oewjeve iewj keee&heeueke efveosMekeeW kees efoee ieee yew"ke menYeeefielee The Sitting Fee paid to the Non-Executive Directors during the
Meguke efJeJejCe efvecveevegmeej nw (hetCe&keeefueke efveosMekeeW leLee Yeejle mejkeej leLee Year 2012-13 is as under: (No sitting fee is payable to whole
Yeejleere efjpeJe& yeQke eje veeefcele efveosMeke kees efkemeer hekeej kee yew"ke menYeeefielee time directors and director representing Government of India
& RBI) :
Meguke ose veneR nw)
Name of the Director
e. meb. efveosMeke kee veece
Yegieleeve keer ieF& jeefMe (.)
Sr. No.
1
2
3
4
5
6
7
8
6.
6.
Amount Paid in `
230000
235000
390000
155000
280000
305000
280000
325000
mLeeve
Venue
eeespeve
Purpose
5 pegueeF&, 2010
heele: 10.30 yepes
yeQke kes 31 ceee&, 2010 kees meceehle DeJeefOe kes legueve he$e, 31 ceee&,
2010 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX SJeb
ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb uesKeeW
hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb mJeerkeej
kejvee leLee Je<e& 2009-10 kes efueS ueeYeebMe Ieesef<ele kejvee.
hees. meer. meer. cesnlee Dee@ef[esefjece, pevejue mesyeer (hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee) efJeefveeceve, 2009
SpetkesMeve meWj, cenejepee meeepeerjeJe kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees 2,72,79,579
29th March, 2011 etefveJee|meer Dee@He ye[ewoe, Je[esoje, 390002 FeqkeJeer Mesej peejer kejves Deewj DeeJebefle kejves kes efueS Mesej OeejkeeW
Prof. C.C. Mehta Auditorium, kee Devegceesove uesvee.
at 10.30 a.m.
To seek approval of the shareholders for issuing and
General Education Centre,
Maharaja Sayajirao University allotting 2,72,79,579 equity shares to Government
of Baroda Vadodara 390 002 of India on preferential basis in terms of SEBI (Issue
of Capital & Disclosure Requirements) Regulations,
2009.
121
2012-13
mLeeve
Venue
eeespeve
Purpose
15JeeR Jeee| < eke meeceeve 4 pegueeF&, 2011 heele: mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej
yew"ke
10.30 yepes
mesJee meove, yeQke Dee@He ye[ewoe Meleeyoer Je<e&
15th Annual
04th July, 2011 at (20072008)er.heer.-1 SHe.heer.549/1
General Meeting
peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[,
10.30 a.m.
Dekeese, Je[esoje 390020
yeQke kes 31 ceee&, 2011 kees meceehle DeJeefOe kes legueve he$e, 31
ceee&, 2011 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX
SJeb ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb
uesKeeW hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb
mJeerkeej kejvee leLee Je<e& 2010-11 kes efueS ueeYeebMe Ieesef<ele kejvee
DemeeOeejCe meeceeve yew"ke 23 ef o meb y ej, 2011 mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej
mesJee meove, yeQke Dee@He ye[ewoe Meleeyoer Je<e&
heele: 10.00 yepes
Extra Ordinary
23rd December, (20072008)er.heer.-1 SHe.heer.549/1
General Meeting
peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[,
2011 at 10.00
Dekeese, Je[esoje 390020
a.m.
16 Jeer Jeee|<eke meeceeve 28 petve, 2012 heele: mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej
yew"ke
10.30 yepes
mesJee meove, yeQke Dee@]He ye[ewoe Meleeyoer Je<e&
16th Annual
28th June, 2012 (2007-2008) er.heer-1, SHe.heer. 549/1,
peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[,
General Meeting
at 10.30 a.m.
Dekeese, Je[esoje 390 020
yeQke kes 31 ceee&, 2012 kees meceehle DeJeefOe kes legueve he$e, 31 ceee&,
2012 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX SJeb
ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb uesKeeW
hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb mJeerkeej
kejvee leLee Je<e& 2011-12 kes efueS ueeYeebMe Ieesef<ele kejvee.
General Meeting
122
mLeeve
Venue
eeespeve
Purpose
7.
HekeerkejCe
(ke) mecye heeea mebJeJenejeW kee hekeerkejCe KeeleeW hej efhheefCeeeB Meer<e&
kes Debleie&le efkeee ieee nw.
(Ke) yeQke hej efheues leerve Je<eeX kes oewjeve hetbpeer yeepeej mes mecye efkemeer Yeer
ceeceues ceW efkemeer Yeer efJeefveeeceke heeefOekeejer DeLee&le me@ke SkemeeWpe
Deewj / DeLeJee mesyeer eje efkemeer efveece, efveoxMeeW SJeb efoMeeefveoxMeeW kee
Devegheeueve ve kejves kes efueS ve lees keesF& ob[ ueieeee ieee nw Deewj ve
ner efkemeer hekeej keer Yelme&vee keer ieF& nw.
(ie) efveosMekeeW ves metefele efkeee nw efke 31 ceee&, 2013 kees efveosMekeeW kes
yeere efkemeer hekeej kee heejmheefjke mecyevOe veneR nww.
2012-13
7.
DiSCLOSURES
a)
b)
c)
Status of Implementation
Sr. No. Non-mandatory requirements
1
DeOe#e kes keeee&uee kee jKejKeeJe, iewj keee&heeueke DeOe#e, kecheveer kes Kee& ueeiet veneR, keeeWekf e DeOe#e kee heo keee&heeueke kee heo nw.
hej kejWies.
Not Applicable, since the Chairmans position is Executive.
Non-executive Chairman to maintain Chairmans Office at
companys expense.
2
efveosMeke ceb[ue Ske heeefjeefceke meefceefle ieef"le kejsiee pees keee&heeueke efveosMekeeW ueeiet veneR, keee&heeueke efveosMeke, Yeejle mejkeej eje efveele Jesleve heehle kejles nQ. leLeeefhe,
kes efueS efJeefMe heeefjeefceke hewkespe mecyevOeer kecheveer keer heeefjeefceke veerelf e leweej kesv mejkeej eje peejer efoMeeefveoxMeeW kes Deveghe keee&evf e<heeove menye heels meenve hej efJeeej
kejsieer.
kejves kes efueS Ske heeefjeefceke meefceefle keee&jle nw.
Board to set-up a Remuneration Committee to formulate Not applicable, as Executive Directors draw salary as fixed by the
companys remuneration policy on specific remuneration Government of India. However a Remuneration Committee is in
package for Executive Directors.
operation to consider Performance Linked Incentive for executive
directors in terms of guidelines issued by the Central Government.
3
iele -6- ceen kes oewjeve cenlJehetCe& IeveeDeeW kes meejebMe meefnle efJeeere 30.09.2012 kees meceehle ceener kes efueS yeQke ves iele -6- ceen kes oewjeve cenlJehetCe& IeveeDeeW
keee&evf e<heeove keer ceener Iees<eCee MesejOeejkees kees Yespeer peees
kes meejebMe meefnle efJeeere keee&evf e<heeove kee ceener heefjCeece heleske MesejOeejke kees Yespe
Half-yearly declaration of financial performance including efoee nw. Fmekes Deefleefje yeQke kes efJeeere heefjCeece yeQke keer yesyemeeF& hej [eues peeles nQ.
summary of significant events in last six months to be sent The Bank has sent half-yearly financial results for the half year ended
30.09.2012 including summary of significant developments during
to shareholders.
last six months to each shareholder. Besides the financial results are
posted on Banks website.
kecheveer kees DevekeJeeueerHeeF[ efJeeere efJeJejefCeeeW keer JeJemLee kees Deheveevee eeefnS. yeQke ves DevekeJeeefueHeeF[ efJeeere efJeJejefCeeeW keer Deesj Deiemej nesves kes efueS keF& keoce G"eS nw.
Company may move towards regime of unqualified The Bank has initiated steps for moving towards achieving unqualified
financial statements.
financial statements.
123
2012-13
Status of Implementation
Sr. No. Non-mandatory requirements
5
kebheveer efveosMeke ceC[ue kes meomeeW kees efveosMeke kes he ceW efpeccesoejer Jenve Deewj efveosMeke ceb[ue eje DeheveeS ieS JeeJemeeefeke cee@[ue Deewj peeseKf ece heeHs eeFue kes meeLe-meeLe
Gvekee meJeexece { ib e mes efveJe&nve kejves kes efueS kecheveer kes JeeJemeeefeke cee@[ue Deeeej mebenf lee keer mechetCe& peevekeejer yees[& kes heleske meome kees mebhees <f ele keer ieF& nw. yeQke S[Jeebm[
ceW heeMf eef#ele kejves kes meeLe-meeLe kecheveer kes JeeJemeeefeke ceeveob[eW keer peeseKf ece HeeFveWeMf eeue uee|veie nsleg efveosMekeeW kees Yeejleere efjpeJe& yeQke, cegcyeF& Deee[erDeejyeerer, nwojeyeeo
heeHs eeFue kes yeejs ceW heeMf eef#ele kejW.W
leLee vesMeveue meke SkemeeWpe Dee@H] e Fbe[f ee efue., cegyb eF& hej heeMf e#eCe nsleg veeefcele kejlee nw.
Company may train Board Members in the Business Model
of the Company as well as risk profile of the business
parameters of the company, the responsibilities as Director
and the best way to discharge them.
efveosMeke ceb[ue kes Deve meomeeW eje iewj-keee&heeueke efveosMekeeW kes keee&- Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Deveghe Ske veeceebkeve meefceefle kee ie"ve efkeee ieee
efve<heeove kee cetueebkeve Deewj iewj-keee&heeueke efveosMekeeW kes efveosMeke heo hej yeves nw leLee eeefvele / veeefcele efveosMekeeW hej yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
jnves ee DeveLee efveCe&e uesvee.
DeefOeefveece, 1970 keer Oeeje 9(3) (DeeF&) kes DeOeerve efHe SC[ heeh@ ej efoMee-efveoxMe ueeiet nesles nQ.
The evaluation of performance of non-executive Directors
by other members of the Board and to decide to continue
or otherwise of the Directorship of the non-executive
Directors.
kecheveer Devewelf eke JeJenej, JeemleefJeke DeLeJee mevosnemheo OeesKeeOe[er Deeefo kes yeQke peveefnle hekeerkejCe leLee metevee heoeleeDeeW kes mebj#eCe hemleeJe (heerDeeF&[erheerDeeF&) kes
mevoYe& ceW heyevOeve keer eEeleeDeeW kes yeejs ceW efjhees& kejves kes efueS hetJe& mebkesle osves lenle efyemeue yueesDej efMekeeeleeW kes efueS kesvere meleke&lee Deeeesie kes efoMeeefveoxMeeW kee
Jeeueer (efyemeue yueesDej) veerelf e yeveeS.
DevegmejCe kejlee nw. Fmekes Deefleefje yeQke keer Deheveer keesF& efyemeue yueesDej veerelf e veneR nw.
The Company to establish the Whistle Blower Policy Bank follows Central Vigilance Commission Guidelines on Whistle
for reporting management concerns about unethical Blower complaints under Public Interest Disclosure and Protection
behaviors, actual or suspected fraud, etc.
of Informers (PIDPI) resolution. Apart from that Bank does not have
any Whistle Blower Policy of its own.
9.
yeQke ceewpetoe efJekeefmele metevee heeweesefiekeer SJeb mebeej kes meeOeveeW kes ceeOece
mes Deheves meomeeW Deewj efnleOeejkeeW kees Gvekes efnleeW mes mecye peevekeeefjeeW
kes yeejs ceW metefele kejves keer DeeJeMekelee mecePelee nw.
yeQke kes efJeeere heefjCeeceeW kees efveosMeke ceC[ue keer yew"ke ceW Gvekes Devegceesove
kes heeele yew"ke keer meceeeqhle hej lelkeeue Gve me@ke SkemeeWpeeW kees hemlegle
efkeee peelee nw peneB hej yeQke keer heefleYetefleeeB meteerye nQ. es heefjCeece oes
ee DeefOeke meceeeej he$eeW ceW Yeer hekeeefMele kejJeeS peeles nQ efpeveceW mes Ske
Ssmee meceeeej he$e neslee nw efpemekee hemeej hetjs Yeejle ceW nes Deewj otmeje
meceeeej he$e Ssmee neslee nw efpemekee hemeej iegpejele jepe ceW nes, peneB yeQke
kee heOeeve keeee&uee eqmLele nw. yeQke ceener DeeOeej hej Deheves MesejOeejkeeW
kees heefjCeeceeW keer heefle hesef<ele kejlee nw. yeQke Deheves efJeeere heefjCeeceeW leLee
YeeJeer eespeveeDeeW keer Iees<eCee kejves kes efueS Svesefuem yew"keW, hesme kee@bHeWme
Fleeefo Yeer Deeeesefpele kejlee nw.
yeQke kes efleceener / Fej t [s / Jeee|<eke efJeeere heefjCeeceeW kes meeLe-meeLe
Svesefuem kees efoS ieS hespeWsMeve keer heefle leLee Deve DeeefOekeeefjke meceeeej
yeQke keer yesyemeeF http://www.bankofbaroda.com. hej GheueyOe
jnles nQ. Svesefuem yew"ke ceW keer ieF& hemlegefle kes yesyekeem (meerOee hemeejCe
Deewj mebie=efnle) kees osKeves nsleg yesyemeeF ceW eEueke GheueyOe kejeee peelee nw.
10. keeheexjs ieJeveXme kes lenle heee&JejCe Gheee
(ke) meYeer MesejOeejkeeW efpevekes heeme Mesej Yeewefleke he ceW nQ, mes DevegjesOe nw kes
Jes Dehevee F&-cesue DeeF&[er nceejs heeme ee nceejs jefpem^ej kes heeme efpemekee
helee Fme efjhees& ceW Deve$e efoee ieee nw, kes heeme hebpeer ke=le kejJee oW leeefke
nce omleeJespe, veesefme, meches<eCe, Jeee|<eke efjhees& Deeefo F&-cesue kes ceeOece mes
Yespe mekeW.
(Ke) Jes MesejOeejke efpevekes heeme Mesej DeYeewefleke he ceW nQ, Gvemes DevegjesOe nw
efke Jes Gheeg&e heeespeve kes efueS Deheves F&-cesue DeeF&[er mecyeeqvOele ef[heesefpejer
heefleYeeieer kes heeme hebpeerke=le kejJee oW.
124
9.
MEAnS OF COMMUniCATiOn
The Bank recognizes the need for keeping its members
and stakeholders informed of the events of their interests
through present means of communication.
The financial results of the Bank are submitted to the stock
exchanges, where the securities of the Bank are listed,
immediately after the conclusion of the Board Meeting
approving the same. The results are also published in
minimum two or more newspapers, one circulating in the
whole or substantially the whole of India and the other
circulating in the state of Gujarat where the Head Office
of the Bank is situated. The Bank furnishes results to the
Shareholders on Half Yearly basis. The Bank also
organizes analysts-meets, press conferences, etc. for
announcing Banks financial results and its future plans.
The Quarterly / Year to Date / Annual Financial Results of
the Bank as well as the copy of presentation made to
Analysts and other official news are posted on the Banks
Website http://www.bankofbaroda.com. The web cast
(live and archived) of presentation made to Analysts Meet
is made accessible from links uploaded in the website.
b.
2012-13
ShAREhOLDERS inFORMATiOn
The Banks shares are listed on the following major Stock
Exchanges in India:
BSE Ltd.,
Phiroze Jeejeebhoy Towers
25th Floor, Dalal Street
Fort, Mumbai - 400 001
BSE CODE : 532134
National Stock Exchange of India Ltd.,
Exchange Plaza
Bandra Kurla Complex,
Bandra,(East),
Mumbai - 400 051
NSE CODE : BANKBARODA
125
2012-13
SkemeeWpeeW ceW meteerye meYeer heefleYetefleeeW kes mecyevOe ceW Deye leke kes Jeee|<eke
meteereve Meguke kee Yegieleeve kej efoee ieee nww.
Nature of Holding
Yeewefleke
ceeceues / Cases
Mesej / Shares
eefleMele / Percentage
PHYSICAL
50212
17991040
4.27
SveSme[erue (DeYeeweflekeerke=le)
NSDL (Dematerialized)
94194
175985024
41.78
meer[erSmeSue (DeYeeweflekeerke=le)
CDSL (Dematerialized)
34196
227280239
53.95
kegue
Total:
178602
421256303
100.00
yeQke eje Je<e& 2003 ceW 27,38,300 FeqkeJeer Mesej peyle efkeS ieS efpeveceW mes
31 ceee&, 2013 leke 4800 FeqkeJeer Mesej (Svetu[) DeefYeMetve efkeS ieS.
SveF&meerSme / [eejske esef[ ceW[s hehe$e Jeee|<eke efjhees& kes meeLe mebueive nw.
12.3: Mesej DeblejCe heCeeueer leLee efveJesMekeeW keer efMekeeeleeW kee efveJeejCe
yeQke megefveeqele kejlee nw efke MesejeW kee DeblejCe mecyevOeer mecemle keee&
Gvekeer hemlegefle keer leejerKe mes 15 efove kes Yeerlej efJeefOeJele he mes mecheVe
nes peeS. yees[& ves MesejeW Deewj yee@C[eW kes DeblejCe leLee Deve mecye ceeceueeW
hej efJeeej kejves kes efueS MesejOeejke / efveJesMeke efMekeeele meefceefle Deewj
Mesej DeblejCe meefceefle ieef"le keer nw. es meefceefleeeB efveeefcele Deblejeue
hej yew"ke Deeeesefpele kejleer nQ Deewj efveJesMeke-efMekeeeleeW keer eqmLeefle keer
meceer#ee kejleer nQ.
yeQke ves cew. keeJeea kechetjMesej hee.efue. kees Deheves jefpem^ej Deewj DeblejCe
SpeW kes he ceW efveege efkeee nw efpemekee keee& Mesej / yee@C[ DeblejCe,
ueeYeebMe / yeepe Yegieleeve kees heesmesme kejvee, MesejOeejkeeW kes DevegjesOe
ope& kejvee, efveJesMekeeW keer efMekeeeleeW kee meceeOeeve leLee Mesej / yee@C[
peejer kejves mecyevOeer Deve ieefleefJeefOeeeW / keeeeX kees megefveeqele kejvee
nw. efveJesMeke Deheves DeblejCe efJeuesKe / DevegjesOe / efMekeeeleW efvecve heles hej
jefpem^ej kees efYepeJee mekeles nQ.
126
yeQke ves efveJesMeke mesJeeSb efJeYeeie keer mLeehevee keeheexjs keeee&uee, cegcyeF& ceW Yeer
keer nw, efpemekes heYeejer kecheveer meefeJe nQ. peneB MesejOeejke Deheves DevegjesOeeW /
efMekeeeleeW kees meceeOeeve nsleg efvecveefueefKele heles hej Yespe mekeles nQ. Jes Deheveer
efMekeeeleW / DevegjesOe heOeeve keeee&uee, Je[esoje kees efvecveefueefKele heles hej Yeer
Yespe mekeles nQ:
yeQke Dee@]He ye[ewoe
efveJesMeke, mesJee efJeYeeie le=leere leue,
ye[ewoe keeheexjs meWj
meer-26, peer-yuee@ke, yeebe-keguee& kee@chueskeme
yeebe (hetJe&), cegbyeF& 400 051
sueerHeesve : (022) 66985000, 6698 5812
/ 5846
Hewkeme : (022) 2652 6660
F&-cesue : investorservices@
Bank of Baroda
Investors Services Department
3rd Floor, Baroda Corporate Centre
C-26, G-Block, Bandra-Kurla Complex
Bandra (East), Mumbai 400 051
Telephone : (022) 66985000, 6698
5812 / 5846
Fax : (022) 2652 6660
E mail : investorservices@
bankofbaroda.com
(The aforesaid e-mail ID is exclusively
designated for investors' complaints
pursuant to Clause 47(F) of the listing
agreement with Stock Exchanges)
bankofbaroda.com
13.
yeQke Dee@He ye[ewoe meeJe&peefveke #es$e kee henuee Ssmee yeQke nw efpemes jseEie
SpeWmeer, DeeF&meerDeejS efue. eje yeQke keer keeheexjs ieJeveXme keee& heefle kees
jseEie heoeve keer ieF& nw. DeeF&meerDeejS eje henueer yeej pegueeF&, 2004 ceW
"meerpeerDeej 2" jseEie heoeve keer ieF&. yeQke kees ener jseEie DeLee&le meerpeerDeej
2 jseEie hegve: eceMe: HejJejer 2006, efmelecyej 2007, Dehewue 2010, ceee&
2011 leLee Dehewue 2013 ceW Yeer heoeve keer ieF&. meerpeerDeej 1 mes meerpeerDeej 6
kes Ge jseEie mkesue ceW meerpeerDeej 1 meJeexe jseEie kenueeleer nw. meerpeerDeej
2 jseEie mes DeefYeheee nw efke jseEie SpeWmeer DeeF&meerDeejS keer jee ceW yeQke
ves Gve heefleeeW, hejchejeDeeW SJeb mebefnleeDeeW kees Deheveeee nw leLee Gvekee
heeueve kej jne nw pees yeQke kes efnleOeejkeeW SJeb peceekelee&DeeW kees iegCeJeeehetCe&
keeheexjs ieJeveXme kee Deeeemeve heoeve kejlee nw. en jseEie yeQke keer heejoMeea
mJeeefcelJe mebjevee, megJeJeeqmLele keee&heeueke heyevOeve mebjevee, meblees<epeveke
peesefKece heyevOeve heefleeeW, yees[& SJeb Jeefj heyevOeve keer efveegefeeeW ceW
heejoe|Melee, efJemle=le SJeb heefj<ke=le uesKee keee&efJeefOe, pees efke efvejer#eCe heYeeie
leLee mJeleb$e uesKee HeceeX eje Deheveeeer peeleer nw, kees oMee&leer nw.
13.05.2013
2012-13
Bank of Baroda
Chief Manager,
Customer Service,
8th Floor, Suraj Plaza I,
Sayajiganj,
Vadodara 390 005
Telephone : 0265
2361724
Fax No. : 0265
2361824
Email: customerservice@
bankofbaroda.com
14.
FinAnCiAL CALEnDAR
Financial Year 1st April, 2012 to 31st March, 2013
13.05.2013
127
2012-13
21 petve, 2013
08 pegueeF&, 2013
15.
ece
meb.
efJeJejCe
15.
Description
Sr.
No.
MesejOeejkeeW keer
mebKee
Shares
Mesej
233412499
55.41
158
24192201
5.74
No. of Share
Holders
FefkeJeer kee
HeefleMele
% to Equity
31
587343
0.14
yeercee kecheefveeeb
Insurance Companies
51
50231026
11.92
438
70211403
16.67
efveieefcele efvekeee
Bodies Corporate
1756
19575555
4.65
efveJeemeer Jeweefeke
Resident Individuals
172589
20263732
4.81
DeefveJeemeer Yeejleere
3326
1991881
0.47
22000
0.01
10
meceeMeesOeve meome
Clearing members
213
419367
0.10
11
veeme
Trusts
35
349296
0.08
kegue
Total
178602
421256303
100.00
128
31 ceee&, 2013 kees Smees/Geble KeeleeW ceW he[s ngS MesejeW keer eqmLeefle
16.ke. Geble Keeles ceW he[s ngS MesejeW keer eqmLeefle (hele#e Mesej ef[ueerJejer
No. of requests
received during the
Financial Year 2012-13
ceeceues / Cases
Mesej / Shares
ceeceues / Cases
76
18300
Opening Balance as
on 01.04.2012
ceeceues / Cases
178
20830
17.
No. of requests
received during the
Financial Year 2012-13
Mesej / Shares
Closing Balance as on
31st March 2013
600
ceeceues / Cases
ceeceues / Cases
Mesej / Shares
74
17700
16.(Ke). Smees / Geble Keeles ceW he[s ngS MesejeW keer eqmLeefle (DeYeewelf ekeerke=le
Mesej ef[ueerJejer ve nes mekeves kes keejCe Jeeheme ngS)
01.04.2012 kees heejbefYeke Mes<e
2012-13
892
ceeceues / Cases
Mesej / Shares
172
19938
Sr. No.
ece meb.
esCeer
Category
1-5000
ceeceueeW kee %
% of Cases
jeefMe (`)
Amount `.
jeefMe kee %
% of Amount
174485
97.69
172630430.00
4.10
5001- 10000
2227
1.25
17704040.00
0.42
10001- 20000
724
0.41
11055620.00
0.26
20001- 30000
232
0.13
5999840.00
0.14
30001- 40000
115
0.06
4107810.00
0.10
40001- 50000
88
0.05
4094410.00
0.10
50001- 100000
162
0.09
12288810.00
0.29
100001& Above
569
0.32
3984682070.00
94.59
178602
100.00
4212563030.00
100.00
Total
129
2012-13
18. 31 ceee&, 2013 kees MesejOeejkeeW kee Yeewieesefueke eq mes Deeyebve mebyebOeer
(jepe-Jeej) efJeJejCe
jepe
State
DeebOe heosMe
ANDHRA PRADESH
DeCeeeue heosMe
ARUNACHAL PRADESH
Demece
ece meb.
Sr. No.
ceeceues
Mesej
Cases
Shares
6791
903137
13
1257
ASSAM
532
58629
efyenej
BIHAR
2830
276801
eb[erie{
CHANDIGARH
485
63395
efouueer
DELHI
8110
224660759
ieesJee
GOA
1480
222616
iegpejele
GUJARAT
42542
5199673
nefjeeCee
HARYANA
2242
240696
10
efnceeeue heosMe
HIMACHAL PRADESH
252
24187
11
219
29307
12
kevee&ke
KARNATAKA
8451
831006
13
kesjue
KERALA
3452
429009
14
ceOeheosMe
MADHYA PRADESH
5079
653103
15
ceneje^
MAHARASHTRA
46903
169292414
16
cesIeeuee
MEGHALAYA
95
11807
17
veeieeueQ[
NAGALAND
100
22025
18
G[ermee
ORISSA
1178
104209
19
Deve
OTHERS
3273
11574894
20
hebpeeye
PUNJAB
1698
200486
21
jepemLeeve
RAJASTHAN
10673
1218499
22
leefceuevee[t
TAMIL NADU
12245
2475386
23
ef$ehegje
TRIPURA
110
15604
24
Gej heosMe
UTTAR PRADESH
12969
1514360
25
heeqece yebieeue
WEST BENGAL
6880
1233044
kegue
Total
178602
421256303
130
Month
Gelece (.)
Highest (`)
vetvelece (.)
Lowest (`)
2012-13
Highest (`)
Gelece (.)
vetvelece (.)
Lowest (`)
Volume Traded
(Nos.)
Volume
Traded (Nos.)
Dehewue 2012
APR 2012
810.05
740.55
9568574
808.60
740.50
988629
ceF& 2012
MAY 2012
773.90
615.00
31506032
774.00
615.00
3038814
petve 2012
JUN 2012
734.80
642.55
15831389
735.00
640.25
1745016
pegueeF& 2012
JUL 2012
738.00
635.80
13375240
738.00
635.10
1677436
Deiemle 2012
AUG 2012
670.00
610.00
12815346
669.50
610.15
1543192
efmelebyej 2012
SEP 2012
802.40
605.55
18994142
802.50
606.25
1789041
Deetyej 2012
OCT 2012
809.40
710.00
15230357
809.40
710.55
1573188
veJebyej 2012
NOV 2012
785.00
715.80
9802814
785.90
716.25
1359213
efomebyej 2012
DEC 2012
875.50
755.20
13577654
874.90
756.00
1471238
peveJejer 2013
JAN 2013
899.00
828.25
17133507
899.65
828.65
1884317
HejJejer 2013
FEB 2013
876.10
685.80
22286756
876.00
687.60
2957332
ceee& 2013
MAR 2013
745.95
648.00
15473746
745.50
648.00
1593436
19.Ke Dehewue, Dehewue 2012 mes ceee& 2013 leke Fb[skeme [ee (ceeefmeke meceeheve
cetue)
leejerKe
Date
yeQke efveHeer
yee@ye SveSmeF&
yeerSmeF& mesvmeskeme
yeQkeskeme
yee@ye yeerSmeF&
BANK NIFTY
BOB NSE
BSE
SENSEX
BANKEX
BOB BSE
S&P CNX
NIFTY
30-Apr-12
5248.15
10276.80
769.90
17318.81
11828.63
766.95
31-ceF&-12
31-May-12
4924.25
9441.00
688.75
16218.53
10884.53
687.00
29-petve-12
29-Jun-12
5278.90
10340.65
732.90
17429.98
11908.71
732.50
31-pegueeF&-12
31-Jul-12
5229.00
10384.10
656.10
17236.18
11910.46
656.05
31-Deiemle-12
31-Aug-12
5258.50
9990.50
631.85
17429.56
11515.94
632.25
28-efmelebyej-12
28-Sep-12
5703.30
11456.80
797.80
18762.74
13138.71
798.55
31-Deetyej-12
31-Oct-12
5619.70
11268.80
725.65
18505.38
12947.29
725.10
30-veJebyej-12
30-Nov-12
5879.85
12158.90
762.60
19339.90
13951.88
763.05
31-efomebyej-12
31-Dec-12
5905.10
12474.25
866.45
19426.71
14344.99
866.95
31-peveJejer-13
31-Jan-13
6034.75
12708.60
867.75
19894.98
14580.26
867.40
28-HejJejer-13
28-Feb-13
5693.05
11487.35
695.65
18861.54
13203.87
702.90
28-ceee&-13
28-Mar-13
5682.55
11361.85
675.40
18835.77
13033.35
677.80
30-Dehewue-12
131
2012-13
20. efJeeere Je<e& 2012-13 kes oewjeve efveege efveosMekeeW kee heefjee
20.
veece
Name
helee
Address
pevceefleefLe
18 pegueeF&, 1954
Date of Birth
Deeeg
59 Je<e&
Age
59 Years
eesielee
Qualifications
Nature of
appointment as
Director
DevegYeJe
Experience
(i)
Directorship
or Committee
Positions held in
other Companies
510
No. of Shares of
Bank of Baroda
held
132
2012-13
Name
helee
Address
pevceefleefLe
10 petve, 1956
Date of Birth
Deeeg
57 Je<e&
Age
57 Years
eesielee
1. yeer.F&.
2. ceeveJe mebmeeOeve ceW heesm iespegS ef[hueescee
Qualifications
1. B. E.
2. Post Graduate Diploma in Human
Resources
Nature of
appointment as
Director
DevegYeJe
Experience
(i)
Directorship
or Committee
Positions held in
other Companies
Metve
No. of Shares of
Bank of Baroda
held
NIL
133
2012-13
veece
Name
helee
Address
pevceefleefLe
21 pegueeF&, 1960
Date of Birth
Deeeg
53 Je<e&
Age
53 Years
eesielee
1. yeer.kee@ce (Dee@veme&)
2. SHe.meer.S.
Qualifications
1.
B. Com. ( Honours )
2.
F. C. A.
Nature of
appointment as
Director
DevegYeJe
Experience
(i)
Directorship
or Committee
Positions held in
other Companies
Metve
No. of Shares of
Bank of Baroda
held
134
2012-13
veece
Name
helee
Address
pevceefleefLe
09 efmelecyej, 1955
Date of Birth
Deeeg
58 Je<e&
Age
58 Years
eesielee
1. yeer.kee@ce
2. Sce.yeer.S. (Heeeveebme)
3. S.meer.Sce.S. (et.kes.)
4. meer.DeeF&.S. (et.Sme.S.)
Qualifications
1) B. Com.
Nature of
appointment as
Director
DevegYeJe
Experience
Directorship
or Committee
Positions held in
other Companies
Metve
No. of Shares of
Bank of Baroda
held
NIL
2) M. B. A. ( Finance )
3) A. C. M. A. ( UK )
4) C. I. A. ( USA )
135
2012-13
Iees<eCee-He$e
DECLARATiOn
me@ke SkemeeWpeeW kes meeLe meteerkejCe kejej kes KeC[ 49 (1) ([er) kes DevegmejCe ceW
DeOe#e SJeb heyevOe efveosMeke keer Iees<eCee.
en Ieesef<ele efkeee peelee nw efke yeQke kes yees[& kes meYeer meomeeW leLee Jeefj heyevOeve
keee&heeuekeeW ves me@ke SkemeeWpeeW kes meeLe efkeS ieS meteerkejCe kejej kes KeC[ 49
(1) ([er) kes Devegmeej 31 ceee& 2013 kees meceehle efJeeere Je<e& keer Deeeej mebefnlee kes
Devegheeueve kes yeejs ceW heefleyelee oesnjeF& nw. en Deeeej mebefnlee yeQke keer yesyemeeF
hej GheueyOe kejeF& ieF& nw.
Sme.Sme.cetbo[e
DeOe#e SJeb HeyebOe efveosMeke
S. S. Mundra
Chairman and Managing Director
mLeeve : cegbyeF&
efoveebke : 13 ceF&, 2013
136
Place : Mumbai
Date : 13th May, 2013
2012-13
keeheexjs ieJeveXme keer MeleeX kes Devegheeueve mes mebyebefOele uesKee hejer#ekeeW kee eceeCe-he$e-2012-13
nceves yeQke Dee@He ye[ewoe kes, me@ke SkemeeWpeeW kes meeLe meteerye kejves mecyevOeer
kejej kes KeC[ 49 ceW efJeefvee|o keeheexjs ieJeveXme MeleeX kes mevoYe& ceW yeQke eje
31 ceee& 2013 kees meceehle Je<e& kes efueS keeheexjs ieJeveXme mecyevOeer Devegheeueve
eqmLeefle keer peebe keer nw.
keeheexjs ieJeveXme mecyevOeer MeleeX kee Devegheeueve kejvee heyevOeve kee oeefelJe nw.
nceejer peebe, keeheexjs ieJeveXme mecyevOeer yeeOeleeDeeW kee Devegheeueve megefveeqele
kejves nsleg yeQke eje Deheveeeer ieF& heefeeeDeeW Deewj keeee&vJeeve leke meerefcele
Leer. en ve lees uesKee hejer#ee nw Deewj ve ner yeQke keer efJeeere efJeJejefCeeeW kes yeejs
ceW nceeje DeefYecele nw.
nce Deheveer jee leLee meJeexece peevekeejer leLee nceW efoS ieS mheerkejCe kes
DeeOeej hej heceeefCele kejles nQ efke yeQke ves Ghejese meteerye kejej ceW efJeefvee|o
keeheexjs ieJeveXme mecyevOeer yeeOeleeDeeW kee Devegheeueve efkeee nw.
nceeje en Yeer DeefYekeLeve nw efke Ge Devegheeueve kee DeefYeheee yeQke keer YeefJe<e
keer me#ecelee kes heefle en keesF& Deeeemeve veneR nw Deewj ve ner en yeQke kes
keee&keueeheeW kes mebeeueve ceW heyevOeve keer kegMeuelee SJeb heYeeJehetCe&lee kes yeejs ceW
Deeeemeve nw
ke=les js SC[ js
meveoer uesKeekeej
SHeDeejSve: 301072 F&
(DeefceleeJe eewOejer)
Yeeieeroej
Sce. veb.: 056060
137
2012-13
JeJemeee oeefelJe efjhees& 2012-13 (efueemie kejej kes KeC[ 55 kes lenle)
"ye[ewoe
yesyemeeF Website
www.bankofbaroda.com
ed.skj@bankofbaroda.com
2012-13
"yeQeEkeie
SJeb efJee"
Sector(s) that the Company is engaged in (industrial activity Banking & Finance
code-wise)
8
leerve cegKe GlheeoeW / mesJeeDeeW keer meteer pees kecheveer efvee|cele kejleer nw / GheueyOe
kejeleer nw (legueve he$e kes Devegmeej)
List three key products/services that the Company
manufactures/provides (as in balance sheet)
1. nesuemesue yeQeEkeie
1. Wholesale Banking
2. efjsue yeQeEkeie
2. Retail Banking
kegue mLeeveeW keer mebKee peneB JeeJemeeefeke ieefleefJeefOeeeW kee GejoeefelJe kecheveer
kes eje efueee peelee nw
Total number of locations where business activity is
undertaken by the Company
i)
100
4,276
leLee Ske heefleefveefOe keeee&uee meefnle kegue 100 mLeeveeW hej heefjeeueve kej jne
nw.
138
kegue ve& DeesJej (Yeejleere heeeW ceW) (kegue JeJemeee: peceejeefMeeeb + Deefiece)
3.
kej kes heeele heelf eMele kes he ceW keeheexjs meeceeefpeke GejoeefelJe (meerSmeDeej) hej kegue Jee (%)
0.16%
2012-13
e.meb. ieefleefJeefOe
Sr.
no.
1.
2.
3.
4.
Activity
efMe#ee
e.meb.
name of Donee
24.00
4.50
2.00
669.24
13
699.74
Education
GsMe
Purpose
Gvekes veS YeJeve kes 5 JeW leue hej Yeewefleke Meee leLee jmeeeve Meee
heeesieMeeuee ceW megefJeOeeSb GheueyOe kejevee
15.00
cenelcee ieebOeer keer efMe#ee / GheosMeeW leLee efmeebleeW kee heeej hemeej
3.00
De#eje HeeGb[sMeve
3.00
ieefCele kes DeOeeve leLee mewebelf eke efJe%eeve kes Devegheeesie kee heeej hemeej
3.00
Sr.
no.
1
efMe#ee Education
mJeemLe Health
ceefnuee keueeCe Women Welfare
meeceeefpeke keueeCe ieefleefJeefOeeeb Social Welfare Activities
kegue TOTAL
no. of Donations
Rajasthan Rajya Gandhi Smarak Nidhi, Jaipur Promotion of the teachings and principles of
Mahatma Gandhi.
3
Akshara Foundation
4
kegue Total
24.00
139
2012-13
mJeemLe
e.meb.
2.
Sr.
no.
1
GsMe
name of Donee
health
Purpose
Amount
(Rs lakh)
0.50
1.00
3.00
kegue Total
3.
ceefnuee keueeCe
e.meb.
Sr.
no.
1
ye[ewoe Meefe
3.
Women Welfare
GsMe
name of Donee
Purpose
meceepe kes GVeeve kes GsMe kes efJeefYeVe heeemeeW nsleg GvnW meneesie heoeve kejvee.
Baroda Shakti
Total
4.
2.00
e.meb.
Sr.
name of Donee
no.
1
De#ee hee$e HeeGb[sMeve, Se.kes.efnume, ees[& jes[, yeQieueesj
560010
4.
GsMe
Purpose
Amount
(Rs lakh)
mJejepe ceepeoe keesmcees Yeespeve efJelejCe Jeenve keer Kejero kes efueS
14.00
140
Amount
(Rs lakh)
2.00
1.00
1.00
e.meb.
Sr.
no.
GsMe
name of Donee
2012-13
Purpose
Yeejer Je<ee& mes heYeeefJele ueesieeW kes hegveJee&me kes efueS mewMeume kes
je^heefle eje heejcYe efkeS ieS je^ere Deeheoe meneelee kees<e ceW
mewMeume keee&#es$e eje mebefJeleefjle oeve
Donation disbursed by Seychelles Territory to the
National Disaster Relief fund set up by President of
Seychelles for rehabilitation of victims affected by
torrential rains.
Total
669.24
Amount
(Rs lakh)
10.42
keee Deveg<ebieer kecheveer / kecheefveeeB cetue kecheveer kes JeeJemeeefeke oeefelJe henueesb neB, oes Deveg<ebefieeeB yee@ye kee[&me efueefces[ leLee yee@ye kesefheue ceekex efueefces[
ceW menYeeefielee kejleer nQ? eefo neB, lees Ssmeer Deveg<ebieer kecheefveeeW keer mebKee
JeeJemeeefeke oeefelJe henueeW ceW menYeeefielee kejleer nQ.
Yes, two subsidiaries viz. BOBCARDS Limited and BOB
yeleeSb.
Capital Market Limited participate in the BR initiatives of
the Bank.
keee Deve keesF& mebmLee / mebmLeeSb (pewmes-Deehetel| ekelee&, efJelejke Deeefo) pees kecheveer kes JeeJemeeefeke
oeefelJe henueeW ceW menYeeefielee kejkes JeJemeee kejleer nw? eefo neB, lees Fme hekeej keer mebmLee /
mebmLeeDeeW kee heelf eMele oMee&S?b (30% mes kece, 30-60%, 60% mes DeefOeke)
Metve
efJeJejCe
Nil
Section D: BR information
1.
a)
yeewje
Details
1.
05318751
2.
veece Name
3.
heoveece Designation
b)
Details
1.
02237356
2.
veece Name
Sme.kes.oeme S. K. Das
3.
heoveece Designation
4.
+91-22-66985753
5.
gm.hrm.bcc@bankofbaroda.com
141
2012-13
efmeebleJeej (Sve Jeer peer kes Devegmeej) yeer Deej veerefle / veerefleeeB (Gej neb/veneR)
e.meb.
2.
heMve
S.No. Questions
1.$$ keee Deehekes heeme Fmekes efueS veerefle / veerefleeeB nQ...
Do you have a policy/policies for....
2
keee veerefle kee heefleheeove mecyeeqvOele efnleOeejkeeW mes hejeceMe& kej efkeee peelee nw?
Has the policy being formulated in consultation with the relevant
stakeholders?
3.**
keee veerefle efkemeer je^ere / Debleje&^ere ceevekeeW kes Deveghe nw? eefo neb, lees mhe kejW
heer1
heer2
heer3
heer4
heer5
heer6
heer7
heer8
heer9
P1
neb*
Y*
P2
neb^
Y^
P3
P4
P5
P6
P7
P8
P9
neb
neb
neb
neb
veneR
neb
neb
neb
neb
neb
neb
neb
neb
veneR
neb
neb
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee veerefle yees[& eje Devegceesefole keer peeleer nw? eefo neb, lees keee Gme hej heyevOe
efveosMeke/ceeefueke/meerF&Dees / Gheege yees[& efveosMeke eje nmlee#ej efkeS peeles nQ?
veneR
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer ceW veerefle kes keeee&vJeeve hej vepej jKeves kes efueS yees[&/efveosMeke/
DeefOekeeefjeeW keer efJeefMe meefceefle nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
neb
veneR
veneR
veneR
veneR
veneR
veneR
veneR
neb #
keee veerelf e kes yeejs ceW mecemle Deebleefjke Je yeee efnleOeejkeeW kees metef ele efkeee peelee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer keer veerelf e / veerelf eeeW kes keeee&vJeeve kes efueS keesF& Deebleefjke mebjevee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer keer efnleOeejkeeW keer veerelf e/veerelf eeeW mes mecyeeqvOele efMekeeeleeW kes meceeOeeve kes efueS
veerelf e / veerelf eeeW mecyevOeer efMekeeele efveJeejCe ceMeervejer / JeJemLee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer eje efkemeer Deebleefjke ee yeee SpeWmeer mes veerefle keer keee&heCeeueer kee
mJeleb$e cetueebkeve / uesKee hejer#eCe kejJeeee ieee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
(50 MeyoeW ceW) (ke=heee he= kes veeres keer efhheCeer osKeW)
Has the policy being approved by the Board? Is yes, has it been
signed by MD/owner/CEO/appropriate Board Director?
5
N
Y
N
Y
N
Y
N
Y
N
Y
N
Y
yengle meer veerefleeeb Deewheeeefjke he mes yeQke kes eje leweej keer ieF& nQ pees yeQke
kees efJeefYeVe keeeeX ceW hele#e ee Dehele#e he mes efveebef$ele kejleer nQ. leLeeefhe Fmekes
DeueeJee, yeQke eje mecee-mecee hej efJeefYeVe efoMeeefveoxMe peejer efkeS peeles nQ efpevekee
heefjeeueve FkeeFeeB leLee efJeeceeve Deewheeeefjke veerefleeeW kes meeLe meeLe DevegmejCe
kejleer nQ. Fmeer hekeej yeQke, yeQeEkeie keeeeX kees mecheVe kejles mecee efJeefveeecekeeW
mecye mebmLeeDeeW eje leweej veerefleeeW Deewj Deve keevetveeW / meebefJeefOeke Dehes#eeDeeW
kees keeee&eqvJele kejlee nw.
* efmeeble 1 kes lenle, yeQke heeLeefceke he mes kesvere meleke&lee Deeeesie eje peejer
meleke&lee efveece hegmleke ceW efoS ieS meerJeermeer efoMeeefveoxMeeW kee DevegmejCe kejlee nw.
(eEueke: http://cvc.nic.in/man04.pdf)
^ yeQke keer Iejsuet $e+Ce veerefle eje efveebef$ele efmeeble 2 kes lenle efJeefYeVe ieefleefJeefOeeeB
pees kesJeue Deebleefjke heeesie kes efueS nesleer nQ, leLee, FmeefueS FvnW Dee@veueeFve veneR
osKee pee mekelee.
** e.meb. 3: yeQke eje meYeer veerefleeeW kee Devegheeueve efJeefYeVe MeemekeeW, meebefJeefOeke
efvekeeeeW pewmes Yeejleere efjpeJe& yeQke, efJee ceb$eeuee, mesyeer, Yeejle kee mebefJeOeeve,
keevetveer DeefOeefveeceeW Deeefo kes eje peejer efoMeeefveoxMeeW kes Deveghe efkeee peelee nw.
Dele: es je^ere ceevekeeW kes Deveghe nQ. eEueke:www.bankofbaroda.com
$$
142
Questions
1.
2012-13
heer1
heer2
heer3
heer4
heer5
heer6
heer7
heer8
heer9
P1
P2
P3
P4
P5
P6
P7
P8
P9
3.
4.
5.
6.
3.
3.
efveosMeke ceC[ue, yees[& meefceefle ee meerF&Dees eje kecheveer kes JeeJemeeefeke oeefelJe
keee&efve<heeove kee Deekeueve kejves kes efueS mecyeeqvOele DeeJeefOekelee kee GuuesKe kejW. 3 ceen
kes Yeerlej, 3-6 ceen, Jeee|<eke, 1 Je<e& mes DeefOeke.
Governance related to BR
Jeee|<eke
Annually
keee kecheveer JeeJemeeefeke oeefelJe ee heefleOeejCe (memsvesefyeefueer) efjhees& hekeeefMele kejleer Jele&ceeve ceW hekeeefMele veneR nesleer leLeeefhe Je<e& 2013-14 mes
nw? Fme efjhees& kees osKeves kes efueS neFhejeEueke keee nw? Fmekes hekeeMeve keer DeJeefOe keee nw? www.bankofbaroda.com Fmes hej osKee pee mekelee nw.
Does the Company publish a BR or a Sustainability Report? What is Currently not published. But from the year 2013-14, it
the hyperlink for viewing this report? How frequently it is published?
can be viewed at www.bankofbaroda.com
143
144
2012-13
keee vewefleke cetue, efjeleKeesjer leLee Yeeeej mebyebOeer veerefle ceW kesJeue peer neb, FmeceW kesJeue yeQke mes peg[s ceeceues ner Meeefceue nesles nQ.
mebmLee mes peg[s ceeceues ner Meeefceue nw ?
yeQke keer mLeehevee 20 pegueeF&, 1908 kees kebheveer DeefOeefveece, 1897 kes DeOeerve kesJeue `.10
ueeKe
cee$e keer heoe hetbpeer mes keer ieF& Leer pees efke Deye meg{ SJeb efJeemeveere efJeeere mebmLee
Does the policy relating to ethics, bribery and
corruption cover only the company?
kes he ceW heebleefjle nes egkee nw. en Ske megieef"le SJeb megmebiele Je=ef nw efpemeceW keeheexjs
efJeJeske SJeb efJelee, meeceeefpeke ieefjcee, hejeshekeejer eqkeesCe DeLee&le otmejeW kes efJekeeme ceW
ner Dehevee GlLeeve pewmee oMe&ve Meeefceue nw.
yeQke keer mLeehevee meg{ vewefleke cetueeW hej ngF& leLee Fvner cetueeW kees F&ceeveoej SJeb efJeJeskehetCe&
vesle=lJe ves Deeies ye{eee nw. efJeeere efvee Jeeheeefjke efJeJeske, mepeielee SJeb meeJeOeeveer leLee
cesnveleer ueesieeW eje cesnvele mes keer ieF& keceeF& kes heefle hetCe& kele&JehejeeCelee pewmes cetue
yeQke kes keWere oMe&ve ceW Meeefceue nQ Deewj Fvner yeeleeW kees Oeeve ceW jKeles ngS yeQke eje
JeJemeeeiele efveCe&e efueS peeles nQ.
yeQke ceW Yeeeej, Deveeeej, ieyeve keer IeveeDeeW leLee efveefOeeeW kes oge|Jeefveeespeve keer jeskeLeece
kes efueS heYeeJeer leb$e ceewpeto nw. yeQke keWere meleke&lee Deeeesie eje peejer meleke&lee cesvegDeue
ceW GefuueefKele efoMeeefveoxMeeW kee ke[eF& mes heeueve kejlee nw. Fme efoMee ceW Devegheeueve efkeS
pee jns keg efoMeeefveoxMe Fme hekeej nw mebyeb heeefOekeeefjeeW mes hejeceMe& kej Ssmes DeefOekeeefjeeW efpevekeer F&ceeveoejer SJeb efvee
mebefoiOe SJeb mebosnemheo nw keer meJe&meccele meteer leweej keer peeleer nw.
efJeefYeVe mlejeW hej meHe keer jessMeve mebyebOeer metevee keWere meleke&lee Deeeesie kees
ceeefmeke efjheeseX kes ceeOece mes Yespeer peeleer nw.
Ge heejoe|Melee yeveeS jKeves kes efueS meYeer DeeJesove Heece& / heesHeecee& yeQke keer JesyemeeF
hej GheueyOe kejeS ieS nw efpevns [eGveuees[ efkeee pee mekelee nw.
efJee ceb$eeuee eje meYeer meeJe&peefveke #es$e kes yeQkeeW kes efueS ueeiet Skehe ceeveke peve
efMekeeele efveJeejCe heCeeueer (SmeheerpeerDeejSme) kees yeQke ceW ueeiet kej efoee ieee nw.
efveefJeoe heuesKeeW kes cetueebkeve kes heeele efJeefYeVe yeesueeroeleeDeeW keer eqmLeefle leLee Sue-1
DeLee&led efpemes keee& meeQhee ieee nw, Gme SpeWmeer kee veece keeheexjs JesyemeeF hej heoe|Mele
efkeee peelee nw.
efJeefYeVe DebeueeW /#es$eeW kes meleke&lee DeefOekeeefjeeW eje efveeefcele efvejer#eCeeW leLee efveJeejke
meleke&lee uesKee hejer#ee kes oewjeve meHe meomeeW kes KeeleeW keer eeeqke (jW[ce) peebe
he[leeue keer peeleer nw.
yeQke ceW meYeer MeeKeeDeeW kee DeeJeefOeke DeeOeej hej efveeefcele/ Deekeeqmceke efvejer#eCe/
kevekejW Dee@ef[ efkeS peeves keer Ske heCeeueer nw.
OeesKeeOe[er/oge|Jeefveeespeve keer jeskeLeece kes efueS heleske Jeie& kes meHe meomeeW ceW
peeiekelee ueeves kes GsMe mes Debeue/ #es$eere keeee&uee/ keeheexjs keeee&uee kes
meleke&lee DeefOekeeefjeeW eje efveJeejke meleke&lee Dee@ef[ efkeee peelee nw.
metefele DeefveeefceleleeDeeW ceW meHe meomeeW keer efpeccesoejer keer peebe he[leeue kejves kes
GsMe mes heleske Debeue keeee&uee ceW Debeue meleke&lee meefceefle kee ie"ve efkeee ieee
nw. meleke&lee meefceefle DevegMeemeveelceke keee&Jeener keer eq mes meYeer DeefveeefceleleeDees
keer heLeceee peebe kejleer nw.
cegKe meleke&lee DeefOekeejer eje en megefveeqele efkeee peelee nw efke oes<eer DeefOekeejer kes
efJe lelkeeue efveJeejke SJeb oC[elceke keee&Jeener keer peeS, pees Devees kes efueS Ske
eble nes.
kesvere meleke&lee Deeeesie (meerJeermeer) efoMeeefveoxMeeW kes Deveghe meleke&lee peeiekelee
mehleen kee Deeeespeve efkeee peelee nw. Yeeeej kes efJe meHe/pevemeeceeve/
ieenkeeW ceW peeiekelee ueeves kes GsMe mes meYeer mlejeW hej mesefceveej, heefleeesefieleeDeeW
Deeefo kee Deeeespeve efkeee peelee nw.
2012-13
145
2012-13
2.
efJeiele efJee Je<e& ceW efnleOeejkeeW keer efkeleveer efMekeeeleW heehle ngF leLee heyebOeve efJeiele efJee Je<e& (2012-13) kes oewjeve 14843 ieenke efMekeeeleW heehle ngF& leLee FveceW mes
eje efkeleves heefleMele efMekeeeleeW kee meblees<epeveke {bie mes meceeOeeve efkeee 14692 (99%) kee meblees<epeveke {bie mes meceeOeeve efkeee ieee. yeQke ceW efveosMeke ceb[ue eje
ieee ? eefo efMekeeeleW heehle ngF& neW lees 50 MeyoeW ceW Fmekee efJeJejCe oW. Devegceesefole ieenke efMekeeele efveJeejCe veerefle leLee Ske megieef"le ieenke efMekeeele efveJeejCe
ceMeervejer keee&jle nw. yeQke ieenke keer meblegeq leLee Gvekeer DeeJeMekeleeDeeW/Dehes#eeDeeW kees hetje
2. How many stakeholder complaints have been received
kejves kes heefle mepeie SJeb peeieke nw. yeQke Fme OeejCee kes heefle heefleye nw efke lekeveerke
in the past financial year and what percentage was
heefeee, Glheeo Deewj meHe keewMeue kee Gheeesie DeefveJeee& he mes ieenkeeW kees Glke= yeQeEkeie
satisfactorily resolved by the management? If so,
mesJeeSb/DevegYeJe heoeve kejves kes efueS efkeee peeS.
provide details thereof, in about 50 words or so.
Fmekes DeueeJee, Je<e& (2012-13) kes oewjeve 94 meleke&lee mebyebOeer efMekeeeleW Yeer heehle ngF&. Fve
efMekeeeleeW keer efJeefYeVe DeefOekeeefjeeW eje peebe he[leeue/eveyeerve keer ieF&. efpeve efMekeeeleeW
ceW ueieeS ieS DeejesheeW kee keesF& heceeCe veneR heeee ieee, GvnW yebo kej efoee ieee leLee efpeve
ceeceueeW ceW Deejeshe lee heeS ieS/meHe Gejoeeer heeS ieS GveceW mecegefele keee&Jeener keer ieF&.
During the past financial year (2012-13), 14,843 number of
customer complaints were received out of which 14,692 (99%)
were satisfactorily resolved. The Bank has put in place a Customer
Grievance Redressal Policy, approved by the Board, and a well
structured Customer Grievance Redressal Mechanism. The Bank
is highly responsive to the needs and satisfaction of its customers,
and is committed to the belief that all technology, processes,
products and skills of its people must be leveraged for delivering
superior banking experience to its customers without fail.
Also, during the year (2012-13), 94 vigilance complaints were
received. All these complaints were examined/investigated through
various authorities. Complaints where no substance was found in
the allegations were closed, and suitable action was taken in cases
where accountability was observed and determined.
efmeevle 2 Principle 2
`'JeJemeee kes ceeOece mes Fme hekeej kes Glheeo SJeb mesJeeSb heoeve keer peeSb pees
megjef#ele SJeb peerJeveeeheve ceW meneesieer SJeb ceooieej neW.''
Businesses should provide goods and services that are safe
and contribute to sustainability throughout their life cycle
1. Deheves -3- Ssmes GlheeoeW DeLeJee mesJeeDeeW kee GuuesKe kejW efpevnW meeceeefpeke
DeLeJee heee&JejCe kes GsMeeW, peesefKece leLee/DeLeJee DeJemejeW keer eq mes
efveefhele efkeee ieee nw.
i.
ii.
146
iii.
2012-13
i.
Ssmes heleske Glheeo kes mebyebOe ceW mebmeeOeveeW kes Gheeesie (Tpee&, peue, keee ueeiet veneR
ceeue Deeefo) mebyebOeer heefle Glheeo efvecveefueefKele efJeJejCe oW (Jewkeequheke)
Fme meboYe& ceW efheues Je<e& keer leguevee ceW mebmeeOeveeW/ Glheeove/mebefJelejCe kes
oewjeve ueeF& ieF& keceer
efheues Je<e& keer leguevee ceW GheYeeseeDeeW eje Gheeesie kes oewjeve (Tpee&,
peue) ueeF& pee mekeer keceer.
147
2012-13
For each such product, provide the following details in Not Applicable
respect of resource use (energy, water, raw material
etc.) per unit of product(optional)
i. Reduction during sourcing/production/ distribution
achieved since the previous year throughout the
value chain?
ii. Reduction during usage by consumers (energy,
water) has been achieved since the previous
year?
3.
ueeiet veneR
Not Applicable
keee kebheveer ves mLeeveere leLee ueIeg GlheeokeeW, efpemeceW Gvekes keee&mLeue
kes Deemeheeme kee mecegoee Yeer Meeefceue nw, mes Glheeo SJeb mesJeeSb heehle
kejves nsleg keesF& keoce G"eS nw ?
eefo neb lees Gvekeer #ecelee leLee mLeeveere leLee ess Jesv[me& keer
#eceleeDeeW ceW megOeej nsleg keee Gheee efkeS ieS nQ ?
ueeiet veneR
Not Applicable
148
efmeevle 3 Principle 3
"JeJemeee
2012-13
5. keee Deehekes heeme keesF& kece&eejer mebie"ve nw pees heyevOeve kes eje ceeve nw? peer neb, oes mebie"ve nQ
(Ske DeefOekeejer kece&eeefjeeW kes efueS leLee Ske efueefhekeere leLee DeOeervemLe kece&eeefjeeW kes efueS)
Yes, Two Associations
Do you have an employee association that is (one for Officer Employees & one for Clerical & Sub staff
recognized by management?
Employees)
43.61%
What percentage of your permanent employees is Officers Association
members of this recognized employee association? Clerical & Sub staff Employees Union 49.22%
7. ke=heee efheues efJeeere Je<e& ceW yeeue cepeotjer, peyejve cepeotjer, Deveweqke cepeotjer, eewve Glheer[ve mes mecyeeqvOele efMekeeeleeW keer mebKee oMee&Sb leLee Fme efJeeere Je<e&
kes Deble leke yekeeee efMekeeeleeW keer eqmLeefle oMee&Sb.
Please indicate the Number of complaints relating to child labour, forced labour, involuntary labour, sexual harassment in
the last financial year and pending as on the end of the financial year.
e.meb. esCeer
S. No. Category
1.
2.
Metve Nil
Metve Nil
Metve Nil
eewve Glheer[ve
Sexual harassment
3.
efJeeere Je<e& kes oewjeve ope& keer ieF& efMekeeeleeW keer mebKee efJeeere Je<e& kes Deble ceW yekeeee efMekeeeleeW keer mebKee
No of complaints filed
No of complaints pending
during the financial year
as on end of the financial year
he#eheeleer jespeieej
ueeiet veneR
ueeiet veneR
Discriminatory employment
Not Applicable
Not Applicable
8. veeres oMee&S ieS kece&eeefjeeW ceW mes efkeleves heefleMele kece&eeefjeeW kees efheues Je<e& megj#ee leLee keewMeue efJekeeme (Deheies[sMeve) kee heefMe#eCe efoee ieee?
What percentage of your under mentioned employees were given safety & skill up-gradation training in the last year?
mLeeeer kece&eejer Permanent Employees
56.12% (23,758)
52.00% (4,281)
Deekeeqmceke DeeOeej hej efueS ieS / DemLeeeer / mebefJeoe kece&eejer Casual/Temporary/Contractual Employees
Metve Nil
58.60% (443)
149
2012-13
efmeevle 4 Principle 4
``JeJemeee ceW meYeer efnleOeejkeeW, efJeMes<ekej pees Jebefele, kecepeesj Deewj neefMeS hej nQ,
Gvekes efnleeW kee mecceeve nesvee eeefnS leLee Gvekes heefle mebJesoveMeerue nesvee eeefnS.''
Businesses should respect the interests of, and be
responsive towards all stakeholders, especially those who
are disadvantaged, vulnerable and marginalized
1. keee kebheveer ves Deheves Deebleefjke SJeb yeee efnleOeejke megefveeqele kej efueS nw? peer neb
Has the company mapped its internal and external Yes
stakeholders?
2. Ghejese ceW mes keee kecheveer ves Jebefele, kecepeesj Deewj neefMeS hej he[s
efnleOeejkeeW kees efeeqle kej efueee nw?
peer neb
Yes
3. keee kecheveer ves Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW
kees Deekee|<ele kejves kes efuees keesF& efJeMes<e henue keer nw? eefo neb, lees
Fmekee ueieYeie 50 MeyoeW ceW efJeJejCe oW.
yeQke ves Deebleefjke Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW kees Deekee|<ele kejves
leLee Gvekees ueeYe hengBeeves kes efueS efJeefYeVe henueW keer nQ. Fveces mes keg Fme hekeej kes nQ:
De.pee./De.pe.pee. kece&eejer
kejJeelee nw pewmes Yeleea hetJe& heefMe#eCe, heoesVeefle hetJe& heefMe#eCe leLee De.pee./De.pe.pee. Jeie&
kes kece&eeefjeeW kes yeeeW kes efueS Yeejle jlve [e@ yeeyeemeensye Debyes[kej cesceesefjeue ^m
mes e$eJe=efe.
De.pee./De.pe.pee. Jeie& kes kece&eeefjeeW mes mebyeeqvOele cegeW/ efMekeeeleeW hej efJeeej kejves
kes efueS yeQke ves heOeeve keeee&uee ceW ceneheyebOeke mlej kes cegKe mebheke& DeefOekeejer leLee
heleske Debeue (kegue 13) ceW mebheke& DeefOekeejer keer JeJemLee keer nw. meeLe ner, yeQke ves heOeeve
keeee&uee, ye[ewoe ceW Ske mecee|hele DevegYeeie keer mLeehevee Yeer keer nw efpemekes DevegYeJeer SJeb
hesMesJej keceea De.pee./De.pe.pee. Deej#eCe mes mebyeeqvOele cegeW kees osKeles nQ leLee De.pee./
De.pe.pee. Deeeesie, mejkeejer kece&eeefjeeW SJeb Deve yeenjer SpeWefmeeeW kes meeLe mebheke& ceW
jnles nQ leeefke De.pee./De.pe.pee. Deej#eCe mebyebOeer efoMee efveoxMeeW kee mecegefele Devegheeueve
megefveeqele nes.
kee@heexjs mlej SJeb Debeue mlej hej yeQke, DeefKeue Yeejleere yeQke Dee@He ye[ewoe De.pee./
De.pe.pee. kece&eejer keueeCe mebie"ve kes meeLe efleceener yew"keW Deeeesefpele kejlee nw efpemeceW
De.pee./De.pe.pee. kece&eeefjeeW kes ueeYe SJeb Deej#eCe mes mebyeeqvOele efJeefYeVe veerefleeeW kes
mecegefele Devegheeueve hej efveeefcele he mes efJeeej efkeS/efveCe&e efueS peeles nQ.
DeMekele Jeefe
Ske efveeesee kes leewj hej yeQke Deheves meYeer kece&eeefjeeW kees Ske meceeve DeJemej heoeve
kejlee nw. DeMekele kece&eeefjeeW kees Deve kece&eeefjeeW kes meceeve ner cepeotjer/Jesleve,
heoesVeefle leLee Deve ueeYe heoeve efkeS peeles nQ. DeMekele JeefeeeW kees keece meeQheles ngS
Fmekee Gefele Oeeve jKee peelee nw efke DeHeveer DeMekelelee kes yeeJepeto Yeer Jes meeQhee ieee
keee& Deemeeveer mes kej mekeW.
Fmekes DeueeJee, DeMekele JeefeeeW kees efJeMes<e he mes efveeqele ueeYe/heefleHeue efoes peeles
nQ pewmes heeLeefcekelee kes DeeOeej hej yeQke kes efjneeMeer DeeJeemeeW kee DeeJebve, eJeCe eb$e
(yenjs ueesieeW kes efueS) Kejeroves kes efueS efJeeere meneelee, ke=ef$ece Debie (DeeqmLe efJekeueebielee
kes efueS) efveeqele meercee kes Yeerlej, DebOes SJeb DeeqmLe efJekeueebie kece&eeefjeeW kes efueS Jeenve
Yees kee Yegieleeve, megefJeOeepeveke mLeeveeW hej efveegefe, ieeceerCe/DeOe& Menjer mLeeveeW ceW
efveegefe mes t Fleeefo.
150
2012-13
yeQke ves yeee Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW kees FmeceW meceeefnle kejves
leLee Gvekees ueeYe hengBeves kes efueS efJeefYeVe henueW keer nQ. FveceW mes keg Fme hekeej kes nQ:
ke. `.1 ueeKe leke kes ke=ef<e $e+Ce ceW ceee|peve SJeb mebheee|eke heefleYetefle mebyebOeer DeeJeMekelee
ceW t.
Ke. ye[ewoe efkemeeve esef[ kee[& eespevee (yeerkesmeermeer) kes Debleie&le yeerkesmeermeer Oeejke
efkemeeve Jeweefeke $e+Ce meefnle ke=ef<e SJeb heefjJeej kes YejCehees<eCe, GheYeesie keer
JemlegDeeW SJeb efveJesMe kes efueS Deefiece ues mekeles nQ.
ie. $e+Ce mJewhe eespevee kes Debleie&le iewj mebmLeeiele $e+CeoeleeDeeW mes efueS ieS $e+Ce kes
DeefOeienCe kes mecee $e+Ceiemlelee mee#e mebyebOeer omleeJespeeW keer DeeJeMekelee ceW t.
`. 25000/- leke kes $e+Ce kes efueS DeeJesoke eje kesJeue mJe Iees<eCee efoes peeves keer
DeeJeMekelee nw.
Ie. ess SJeb cePeesues efkemeeveeW, Keseflenj cepeotjeW SJeb kecepeesj Jeie& kes Deve efJeefvee|o
esCeer kes $e+Cekelee&DeeW mes keesF& ceee|peve jeefMe uesves keer DeeJeMekelee veneR nw peyeefke
efJeMes<e efJekeeme keee&eceeW pewmes SmepeerSmeJeeF& Fleeefo kes lenle Devegoeve keer JeJemLee
nw.
[. Keseflenj cepeotj, yebeF&oej SJeb DeefueefKele hesoej kees Hemeue Ghepeeves kes efueS efoes
peeves Jeeues $e+Ce keer eqmLeefle ceW, mLeeveere heMeemeve/hebeeeleer jepe mebmLee eje peejer
heceeCehe$e yeQke mJeerkeej kejlee nw.
e. kecepeesj JeieeX kes efMe#ee $e+Cekelee&DeeW SJeb Menjer iejeryeeW kes efueS DeeJeeme $e+Ce nsleg
yeQke $e+Ce yeepe Devegoeve eespevee mebeeefuele kej jne nw.
. ke=ef<e #es$e ceW Deefiece kes efueS mejueerke=le $e+Ce omleeJespeerkejCe DeLee&le Skeue eqyebOeve
heefeee DeheveeF& ieF& nw.
pe. yeQke kes Deve ieenkeeW kes meceeve ner eqnerve ieenkeeW kees Jewkeequheke ef[efueJejer ewveue
kes ceeOece mes yeQeEkeie mebJeJenej kej heeves eesie yeveeves nsleg yeQke ves Deheves keg
egefvevoe SerSce ceW OJeefve efveoxefMele heefjeeueve keer JeJemLee ueeiet keer nw.
The Bank has taken various initiatives to engage and extend
benefits to the internal disadvantaged, vulnerable and marginalized
stakeholders. Some of them are as under:
SC/ST Employees
The Bank practices policy of equal treatment of all employees without
any discrimination and bias on the basis of caste, creed and religion.
The Bank extends certain special benefits/facilities/assistance to
employees belonging to SC/ST category such as pre-recruitment
training, pre promotion training and scholarship for meritorious
students among children of employees belonging to SC/ST category,
from Bharat Ratna Dr. Babasaheb Ambedkar Memorial Trust.
The Bank has a Chief Liaison Officer in the rank of General Manager
at Head office level and Liaison officer at each zone (total 13) for
effectively addressing issues/grievances of SC/ST employees. Also,
there is a dedicated SC/ST cell at the Banks Head Office, Baroda,
manned by experienced professionals, which deals with issues
related to SC/ST reservation and liaison with SC/ST commission,
Government officials and other external agencies for ensuring strict
compliance of SC/ST reservation guidelines.
The Bank conducts quarterly meetings with All India Bank of Baroda
SC/ST Employees Welfare Association at corporate level as well as
zonal offices level wherein regular view is made about the proper
implementation of the various policies pertaining to reservation and
benefits extended to employees belonging to SC/ST.
151
2012-13
152
efmeevle 5 Principle 5
2012-13
yeQke keer ceeveJeeefOekeej veerefleeeB hele#e ee hejes#e he mes kesJeue yeQke heefjeeueve mes ner
mecye nw Deewj es Deveg<ebefieeeW hej ueeiet veneR nesleer.
yeQke Fme leLe mes Deer lejn mes heefjefele nw efke meYeer Jeefe mJeleb$e SJeb meceeve nQ Deewj
Does the policy of the company on human rights JeefeeeW kes ceewefueke DeefOekeejeW kee mecceeve DeJeMe nesvee eeefnS. yeQke Ssmeer veerefleeeW kee
cover only the company or extend to the Group / Joint DevegmejCe kejlee nw efpememes je^ere cetue, veeieefjkelee, jbie, peeefle, efJeeeme, Oece&, hetJe&peeW,
Ventures / Suppliers / Contractors / NGOs / Others? JewJeeefnke eqmLeefle, eEueie, Dehebielee, Gce, eewve GvcegKelee, pevce mLeeve, meeceeefpeke eqmLeefle,
ee efveece efJe Deve efkemeer DeeOeej hej hele#e ee hejes#e he mes he#eheele ve nes.
keee&mLeue hej ceeveJeeefOekeej mebyebOeer Yeejleere mebefJeOeeve kes leLeeW SJeb Debleje&^ere efveeceeW
kees yeQke Deer lejn mecePelee nw. yeQke meie"veeW keer Deepeeoer SJeb hejmhej menceefle kee
mecceeve kejlee nw.
eewve Glheer[ve keer jeskeLeece
keee&mLeue hej eewve Glheer[ve kee yeQke efve<esOe kejlee nw. keee&mLeue hej eewve Glheer[ve
keer jeskeLeece kes efueS mesJee MeleeX ceW mecegefele heeJeOeeve nw. leovegmeej, yeQke ves keee&mLeue
hej ceefnuee kece&eeefjeeW mes mebyeeqvOele ceeceueeW kees osKeves kes efueS kee@heexjs mlej hej Ghe
ceneheyebOeke mlej keer cegKe ceefnuee mebheke& DeefOekeejer keer efveegefe keer nw.
meYeer 13 DebeueeW ceW, ceefnuee kece&eeefjeeW mes mebyeeqvOele efMekeeeleeW hej lJeefjle SJeb lelhejlee
mes keejJeeF& kejves kes efueS Ske ceefnuee mebheke& DeefOekeejer keer JeJemLee nw. Fve ceefnueeDeeW
kees ceefnuee kece&eeefjeeW mes mebyeeqvOele efMekeeeleeW kees mebYeeueves kes efueS meceLe& yeveeves nsleg
DeeJeefOeke heefMe#eCe efoes pee jns nQ. ceefnuee kece&eeefjeeW mes mebyeeqvOele ceeceueeW, Gvekes
DeefOekeejeW SJeb eewve Glheer[ve mes jeskeLeece kes cenlJe SJeb Fmekeer mebJesoveMeeruelee hej
ueieeleej yeue efoee pee jne nw. ceefnuee kece&eeefjeeW kes ueeYe, DeefOekeej, eewve Glheer[ve mes
jeskeLeece, meJeexe veeeeuee kes efoMee efveoxMe SJeb GvnW ueeiet kejves kes efueS yeQke mecee
mecee hej heefjhe$e peejer kej mesJee MeleeX kes efveeceeW kees ueeiet kejlee nw.
yeQke JewyemeeF kes ceeOece mes metevee kees pevelee leke hengbeevee
yeQke Deheves GlheeoeW/mesJeeDeeW/ pevelee kes efueS GheueyOe megefJeOeeDeeW keer Deeleve peevekeejer /
keesF& Deve metevee pees meeJe&peefveke keer pee mekeleer nw, heeqyueke [escewve ceW jKelee nw. Ske
DeefOemetefele kebheveer nesves kes veeles meeJe&peefveke metevee kes efueS yeQke Deheves efJeeere heefjCeece
kees heeqyueke [escewve ceW heoe|Mele kejlee nw.
metevee kee DeefOekeej DeefOeefveece, 2005 ceW oer ieF& meeJe&peefveke heeefOekejCe keer heefjYee<ee
kes Devegmeej yeQke Ske meeJe&peefveke heeefOekejCe nw Deewj FmeerefueS meJe& meeOeejCe kees metevee
GheueyOe kejeves kes efueS yeeOe nw.
efMekeeeleeW kee efveheeje
ieenke efMekeeele kees MeerIelee mes efveheves nsleg ieenke efMekeeele efveheeve heCeeueer kees
cepeyetle kejves kes efueS yeQke ves keF& keoce G"eS nQ. Fveces mes Ske nw ceeveke peve efMekeeele
efveJeejCe heCeeueer (SmeheerpeerDeejSme). ieenke efMekeeele efveheeve kes efueS en Ske Jesye
DeeOeeefjle ceew[etue nw. eeefhe, yeQke ieenkeeW kes DeefOekeej kee mecceeve kejlee nw, efHej Yeer
eefo Jes Deheveer efMekeeele kes efveheeS peeves mes mebleg veneR nQ lees DeejyeerDeeF& keer ueeskeheeue
eespevee, 2006 kes Debleie&le jepeeW keer jepeOeeefveeeW ceW eqmLele yeQeEkeie ueeskeheeue mes mebheke&
kej mekeles nQ.
The Banks various policies protecting the Human Rights, directly
or indirectly, cover only the operations of the Bank and do not
extend to its subsidiaries etc.
153
2012-13
The Bank is well conscious of the fact that all human beings are
free and equal, and that the basic human rights of individuals
must be respected. The Bank follows such policies that, directly
or indirectly, do not discriminate on the basis of national origin,
citizenship, color, race, belief, religion, ancestry, marital status,
gender, disabilities, age, sexual orientation, place of birth, social
status, or any other basis prohibited by the law.
The Bank understands well the Human Rights content of the
Constitution of India and other international laws on Human Rights
at the work place. The Bank respects the freedom of associations
and the right to collective bargaining.
Prevention of Sexual harassment
The Bank prohibits sexual harassment at the work place. In the
Service conditions, there are clauses exclusively for prevention
of sexual harassment at workplace. Accordingly, for addressing
issues related specifically to women employees in work places,
the Bank has appointed Chief Lady Liaison Officer in the rank of
Deputy General Manager at the Corporate office level.
At each of the 13 zones, there is one lady liaison officer to ensure
prompt and expeditious redressal of the grievances of women
employees. These ladies are given periodical training to equip
themselves to handle grievance of women employees effectively.
There are regular reinforcements regarding sensitivity and
importance of matters relating to women employees, their rights and
prevention of Sexual Harassment. The Bank issues circulars from
time to time reinforcing service condition rules, benefits to women
employees, rights of women employees, prevention of Sexual
Harassment, guidelines issued by Supreme court of India and their
implementation.
Dissemination of information to public through the Banks web site
The Bank places up-to-date information about its Products /
Services / Facilities available to public/any other information,
which can be disclosed, in public domain. Being a listed company,
the Bank displays its financial results in the public domain for
information to the public.
Bank of Baroda is a Public Authority, as per definition of Public
Authority in the Right to Information Act, 2005, and, thus, is under
obligation to provide the information to members of public.
Redressal of Complaints
The Bank has taken several measures to strengthen the customer
complaint redressal machinery for fast disposal of customer
complaints. One of such measures being Standardized Public
Grievances Redressal System (SPGRS), a web based online
customer complaint redressal module. However, the Bank
respects the right of the customers, in case they are not satisfied
with the redressal of their complaints, to approach The Banking
Ombudsman located in State Capitals under RBI Ombudsman
Scheme 2006.
2. efJeiele efJeeere Je<e& kes oewjeve efkeleves efnleOeejkeeW mes efMekeeeleW heehle ngF& efJeeere Je<e& kes oewjeve eewve Glheer[ve mes mebyeeqvOele oes efMekeeeleW heehle ngF& efpevnW efyevee
nw Deewj efkeleves heefleMele kees heyebOeve eje meblees<ehetCe& {bie mes efveheeee mecee iebJeeS meblees<ehetCe& {bie mes efvehee efueee ieee.
There were two complaints filed on Sexual Harassment during the
ieee.
How many stakeholder complaints have been financial year which were satisfactorily resolved without any loss
received in the past financial year and what percent of time.
was satisfactorily resolved by the management?
154
efmeevle 6 Principle 6
2012-13
`'JeJemeee kees heee&JejCe kee mecceeve, mebj#eCe SJeb Hegveej kejvee eeefnS''
Business should respect, protect, and make efforts to
restore the environment
1. keee kebheveer keer efmeevle 6 mes mebyeeqvOele veerefle kesJeue kebheveer kees keJej en veerefle kesJeue yeQke kees keJej kejleer nw.
The policy covers the Bank only.
kejleer nw ee FmeceW mecetn/mebege Gece/ Deehete|lekelee&/ mebefJeoekeej/
SvepeerDees/ Deve Meeefceue nQ?
Does the policy related to Principle 6 cover only the
company or extends to the Group/Joint Ventures /
Suppliers/ Contractors/ NGOs/ others.
peer neB
ke) yeQke keer Iejsuet $e+Ce veerefle kes Devegmeej heee&JejCe kees neefve hengbeeves JeeueeW GeesieeW
kees yeQke $e+Ce veneR oslee nw pewmes Dees]peesve kees #eefle hengBeves Jeeues heoeLe& eLeeHeesce Glheeove, jsefHepejsj SJeb Sej keb[erMevej, Ssjesmeesue Glheeove, meHeeF& Jeeues
Does the company have strategies/initiatives
efJeueeekeeW ceW Gheeesie keer pee jner keueesjes]Heueesjes keeye&ve (meerS]Hemeer 11, 12, 113
to
address global environmental issues such as
& nwueeWme 1211, 1301, 2402)
climate change, global warming, etc? If yes, please
give hyperlink for webpage etc.
Ke) $e+Ce hemleeJeeW kee cetueebkeve kejles mecee yeQke heee&JejCe Devegketue nefjle heefjeespeveeDeeW
kees cenee SJeb heeLeefcekelee oslee nQ leeefke keeye&ve esef[ kees ye{eJee efceues pewmes heJeve
ekekeer/meewj Tpee& heefjeespevee Fleeefo.
ie) efJe<ewues heot<eke Glmepe&ve Jeeueer efvecee&Ce FkeeFeeW kes ceeceueeW ceW, Ssmes heot<ekeeW kees
JeeleeJejCe ceW es[ves mes henues Fmekes hemebmkejCe kes efueS peue heMeesOeve heCeeueer keer
mLeehevee hej ]peesj oslee nw Deewj megefveeqele kejlee nw efke $e+Cekelee& ieenke ves kesvere/
jepe heot<eCe efveeb$eCe yees[& mes Deveeheefe heceeCe he$e heehle kej efueee nw.
Yes
a) As per the Banks Domestic Loan Policy, the Bank is not
extending any finance to the environmental hazardous
industries viz. Industries using Ozone Depleting Substances
such as Chlorofluoro carbon CFC-11,12,113 & Halons-1211,
1301, 2402 being used in Foam Products, Refrigerators & Airconditioners, Aerosol products, Solvents in cleaning.
b) While appraising the credit proposal, the Bank gives due
weightage and preference to the environment friendly green
projects which earn the carbon credits such as Wind Mills/
Solar Power projects.
c) In case of manufacturing units, emitting toxic pollutants, the
Bank insists upon installation of water treatment projects
for processing of such pollutants before release into the
environment and ensures that the borrower client also obtains
NOC from Central/State Pollution Control Board.
3. keee kebheveer Heee&JejCe mebYeeefJele peeseKf ece kees efeeqvnle/ Deekeueve kejleer nw?
155
2012-13
4. keee kebheveer kes heeme mJelee efJekeeme heCeeueer mebyebOeer keesF& heefjeespevee keeiepe jefnle yeQeEkeie kees ye{eJee osves kes efueS yeQke ves efJeefYeVe lekeveerkeer henueW keer nQ.
nw? Deiej nw lees, ueieYeie 50 MeyoeW ceW Fmekee efJeJejCe oW. Deewj, eefo neB hemleeJeeW keer mJeerke=efle kes mecee, keeiepe jefnle yeQeEkeie kees ye{eJee osves kes efueS yeQke F&lees, keee heee&JejCe mebyebOeer Devegheeueve efjhees& hemlegle keer ieF& nw?
JeJemeee efoMee efveoxMeeW kee Devegheeueve lee/efveOee&efjle kejlee nw. ]peeoelej SerSce jefnle
Does the company have any project related to Clean #es$eeW ceW yeQke SerSce keer mebmLeehevee hej ]peesj oslee nw efpemes ee$ee ceW mecee Je hes^esue/
Development Mechanism? If so, provide details [erpeue keer Kehele kece nesleer nw Deewj heee&JejCe kees mJe yeveeS jKeves ces ceoo efceueleer nw.
5. keee kebheveer ves heot<eCe jefnle lekeveerkeer, Tpee& o#elee, veJeerkejCeere yeQke keer Ssmeer keesF& hele#e heefjeespevee veneR nw uesefkeve yeQke ves keF& meewj Tpee&, pewJe FOeve,
Tpee& Fleeefo kes efueS keesF& henue keer nw. eefo neB, lees Jesye hespe Fleeefo ueIeg peue SJeb heJeve Meefe heefjeespeveeDeeW kees efJeeheesef<ele efkeee nw. heee&JejCe Devegketue
kes efueS neeHejeEueke oW.
veJeerkejCeere Tpee& heefjeespeveeDeeW kes efJeehees<eCe kees yeQke heeLeefcekelee oslee nw.
5. Has the company undertaken any other initiatives
on - clean technology, energy efficiency, renewable
energy, etc. If yes, please give hyperlink for web page
etc.
The Bank has no such direct project but the Bank has financed
many Solar Power, Biomass, Small Hydro & Wind Power Projects.
The Bank gives priority in financing environment friendly renewable
energy projects.
6. keee Deeueese efJeeere Je<e& kes efueS kebheveer kee DeJeefMe Glheeove/
Glmepe&ve meerheermeeryeer/ Smeheermeeryeer eje Devegcele meercee kes Yeerlej nw?
yeQke mesJee Geesie kes Debleie&le Deelee nw Deewj FmeefueS keesF& efJe<ewues/Kelejveeke heot<eke kee
Glmepe&ve veneR kejlee nw. leLeeefhe, efvecee&Ce FkeeFeeW kee efJeehees<eCe kejles ngS heot<eCe
6. Are the Emissions/Waste generated by the company efveeb$eCe yees[& mes Deveeheefe heceeCe he$e uesvee yeQke keer heeLeefceke MeleeX ceW mes Ske nw.
within the permissible limits given by CPCB/SPCB for JeeleeJejCe mebyebOeer Devegheeueve kees yeQke hecegKe mJeerke=efle MeleeX ceW jKelee nw.
the financial year being reported?
The Bank is in service industry and, therefore, does not emit any toxic/
hazardous pollutants. However, while financing to manufacturing
units, obtaining NOC from Pollution Control Boards is one of the
Banks primary conditions. The Bank stipulates Environmental
compliance as one of the main conditions of sanction.
7. efJeeere Je<e& kes Deble ceW meerheermeeryeer/Smeheermeeryeer mes heehle uebefyele (DeLee&le Fme lejn kee keesF& GoenjCe veneR nQ.
meblees<epeveke he mes veneR efveheeS ieS) keejCe yeleeDees/efJeefOeke veesefme No such instance.
keer kegue mebKee
7. Number of show cause/ legal notices received from
CPCB/SPCB which are pending (i.e. not resolved to
satisfaction) as on end of Financial Year.
156
efmeevle 7 Principle 7
2012-13
`'JeJemeee peye pevelee SJeb efveeeceke veerefleeeW kees heYeeefJele kejlee nes lees Fmes
ef]peccesoejer hetJe&ke mecheVe efkeee peevee eeefnS''.
Businesses, when engaged in influencing public and
regulatory policy, should do so in a responsible manner
1. keee Deehekeer kebheveer efkemeer ^s[ Deewj eQyej ee mebie"ve keer meome nw? peer neB,
eefo neB, lees GveceW mes hecegKe kee veece efpevekes meeLe Deehekee JeJemeee 1. Yeejleere yeQke mebIe (DeeF&yeerS)
mecye nw?
2. Yeejleere yeQeEkeie Deewj efJee mebmLeeve (DeeF&DeeF&yeerS]He)
1. Is your company a member of any trade and chamber 3. yeQeEkeie keee|ceke eeve mebmLeeve (DeeF&yeerheerSme)
or association? If Yes, Name only those major ones
4. je^ere yeQke heyebOe mebmLeeve (SveDeeF&yeerSce)
that your business deals with.
5. Fbef[eve ceexv eQyej (DeeF&Scemeer)
6. ceneje^ Deee|Leke efJekeeme heefj<eo (SceF&[ermeer)
7. Yeejleere JeeefCepe Deewj Geesie ceC[ue heefjmebIe (S]HeDeeF&meermeerDeeF&)
8. Gemlejere efJeeere DevegmebOeeve leLee DeOeeve keW (meerSS]HeDeejSSue)
9. Yeejleere je^ere Yegieleeve efveiece (SveheermeerDeeF&)
10. Yeejleere meceeMeesOeve efveiece efueefces[ (meermeerDeeF&Sue)
11. o DemeesefmeSs[ eWyeme& Dee@He kee@ceme& Sb[ Fb[m^er Dee@He Fbef[ee
(SSmeSmeDeesmeerSeSSce)
12. eqmJeHe FbjvesMeveue yeQeEkeie Dee@hejsMeve mesefceveej (SmeDeeF&yeerDeesSme)
Yes.
1. Indian Banks Association (IBA)
2. Indian Institute of Banking & Finance (IIBF)
3. Institute of Banking Personnel Selection (IBPS)
4. National Institute of Bank Management (NIBM)
5. Indian Merchant Chamber (IMC)
6. Maharashtra Economic Development Council (MEDC)
7. Federation of Indian Chambers of Commerce and Industry
(FICCI)
8. Centre for Advanced Financial Research and Learning
(CAFRAL)
9. National Payments Corporation of India (NPCI)
10. The Clearing Corporation of India Ltd (CCI)
11. The Associated Chambers of Commerce and Industry of
India (ASSOCHAM)
12. Swift International Banking Operations Seminar (SIBOS)
2. keee Deeheves Ghejese mebie"veeW kes ceeOece mes meeJe&peefveke efnle keer
heieefle/megOeej kes efueS meceLe&ve/heeej efkeee nw. eefo neB, lees hecegKe #es$e
efJeefvee|o kejW pewmes Meemeve heCeeueer Deewj heMeemeve, Deee|Leke megOeej,
meceie efJekeeme veerefleeeB, Tpee& megj#ee, Keee megj#ee, oerIe&keeefueke
JeJemeee efmeevle, Deve
2. Have you advocated/lobbied through above
associations for the advancement or improvement
of public good? If yes, specify the broad areas
such as Governance and Administration, Economic
Reforms, Inclusive Development Policies, Energy
security, Water, Food Security, Sustainable Business
Principles, Others)
osMe kes efJeMeeuelece JeeefCeeqpeke yeQkeeW ceW mes Ske nesves kes veeles yeQke veerefle efveOee&jkeeW SJeb
veerefle efveOee&jke mebie"veeW, pees yeQeEkeie Geesie keer keee&heefle Deewj efveeb$eCe mebyebOeer veerefleeeW,
ceewefke veerefle, efJeeere meceeJesMeve mebyebOeer veerefleeeW leLee yeQeEkeie Geesie kes oerIe&keeefueke
efJekeeme mes heYeeJeer he mes mecye nw.
Bank being one of the largest commercial banks in the country
works closely with policymakers and policy-making associations,
especially in evolving the policies that govern the functioning
and regulation of the banking industry, monetary policy, financial
inclusion related policies, and sustainable development of the
banking industry.
157
efmeevle 8 Principle 8
2012-13
``JeJemeee mes meceie Je=ef leLee meceeve efJekeeme kees yeue efceuevee eeefnS''.
1. keee kebheveer kes heeme efmeevle 8 mes mebyeeqvOele veerefleeeW kee DevegmejCe meceepe keer meceie Je=ef leLee meceeve efJekeeme kes efueS yeQke ves keF& keee&ece/heefjeespeveeSb/
kejves kes efueS efJeefvee|o keee&ece/henue/ heefjeespevee nw. eefo neB, lees henue kejves kee heeeme efkeee nw.
Fmekee efJeJejCe oW.
efJeJejCe efvecvehekeej mes nw:
1. Does the company have specified programmes/ meceie efJekeeme kes efueS yeQke ves Jenve kejves eesie ueeiele hej yeQke jefnle ieeceerCe #es$eeW ceW
initiatives/projects in pursuit of the policy related to
yeQeEkeie mesJeeSb GheueyOe kejJeeves nsleg efJeeere meceeJesMeve heefjeespevee ueeiet keer nw Deewj meceeve
Principle 8? If yes, details thereof.
efJekeeme kes efueS Fmes cegKe Deee|Leke Oeeje mes pees[e nw. Fme Jeie& keer DeeJeMekeleeDeeW kees
osKeles ngS yeQke ves efJeMes<e Glheeo leweej efkeS nQ pewmes yeele men Deblee|veefnle DeesJej[^eHe
megefJeOee, ueeerueer DeeJeleea pecee, ye[ewoe efkemeeve esef[ kee[&, ye[ewoe meeceeve esef[ kee[&
leLee ieeceerCe mecegoee keer DeeJeMekelee kees osKeles ngS kece heerefceece hej yeercee Glheeo.
DeeJebefle ieeBJeeW ceW yeQeEkeie mesJee GheueyOe kejJeeves kes efueS yeQke ves DeeF&meerer DeeOeeefjle yeermeer
cee@[ue, ceesyeeFue Jewve leLee efyeke SJeb cees&j MeeKee cee@[ue ueeiet efkeee nw.
yeQke ves Deye leke efJeefYeVe cee@[ueeW kes Debleie&le 4,959 ieeBJeeW kees keJej efkeee nw efpemeceW 3,474
yeermeer cee@[ue kes Debleie&le, 1,436 Yeewefleke MeeKeeDeeW SJeb 49 ieeBJe ceesyeeFue Jewve eje keJej
efkeS ieS nQ. yeQke ceW 49.60 ueeKe cetue yeele yeQke pecee Keeles Keesues ieS nQ efpeveceW mes 8.69
ueeKe Keeles JeJemeee heefleefveefOe DeefYekelee&DeeW kes ceeOece mes Keesues ieS nQ. 10.33 ueeKe
ieenkeeW ves kesmeermeer megefJeOee heehle keer nw efpemeceW kegue yekeeee Mes<e jeefMe `.10,404.38
kejes[ nw. 0.15 ueeKe ieenkeeW ves peermeermeer megefJeOee heehle keer nw efpemeceW kegue yekeeee Mes<e
jeefMe `.35.52 kejes[ nw.
yeQke kes mesJee #es$e ceW ueieYeie 21,526 ieeBJe Deeles nQ Deewj Mes<e ieeBJeeW kees efJeefYeVe cee@[ueeW kes
lenle Deieues leerve Je<e& DeLee&le ceee& 2016 leke keJej kejves kes efueS ejCeye eespevee leweej
keer nw. yeQke keer Je<e& 2013-14 ceW 6,165 ieeBJe, 2014-15 ceW 5,200 ieeBJe leLee Mes<e 5,202
ieeBJe Je<e& 2015-16 ceW keJej kejves keer eespevee nw.
158
2012-13
2. keee en keee&ece/heefjeespevee Deebleefjke erce/Deheveer mebmLee/yeenjer efJeeere meceeJesMeve eespevee Deebleefjke erce keer ceoo mes eueeeer peeleer nw. yeQke ves Fme
SvepeerDees/mejkeejer mebjeveeDeeW/Deve efkemeer mebie"ve kes ceeOece mes GsMe kes efueS he=Leke efJeYeeie keer mLeehevee keer nw efpemekes heYeejer ceneheyebOeke nQ.
The financial inclusion projects have been undertaken with
eueeee peelee nw?
Are the programmes/projects undertaken through the help of an in-house team. The Bank has set up a separate
in-house team/own foundation/external NGO/ department headed by General Manager for this purpose.
government structures/ any other organization?
3. keee Deeheves keYeer Deheves henueeW kes heYeeJeeW kee cetueebkeve efkeee nw ?
peer neb, pewmee efke Thej kene ieee nw, cetue yeele eespevee kes Debleie&le mecetes osMe ceW kegue
Have you done any impact assessment of your 49.60 ueeKe Keeles Keesues ieS nQ, efpemeceW mes 8.69 ueeKe Keeles JeJemeee heefleefveefOeeeW kes
initiative?
ceeOece mes Keesues ieS nwb. en cenmetme efkeee ieee nw efke yeele kes efueS yeQke Keeles pewmee
efJeemeveere eesle/peefjee efceueves hej, Jes ueesie pees henues yeele veneR kej heeles Les Deye hewmee
yeeeves keer Deeole [eue jns nQ.
Fme leLe kees Fme yeele mes Yeer yeue efceuelee nw efke meerefcele megefJeOee Jeeues (vees efHeue) KeeleeW
ceW kegue Deewmele efveefOe ueieeleej ye{ jner nQ. nceejs yeQke kes heeme efoveebke 31.03.2013
kees en efveefOe ueieYeie `.1,300 kejes[ Leer. yeQke KeeleeW keer megefJeOee kes DeYeeJe ceW ee lees
en efveefOe cegKe Oeeje yeQeEkeie ceW veneR Deeleer ee efHej GheYeesie kes he ceW Jee nes peeleer.
JeJemeee heefleefveefOe eje Keesues ieS KeeleeW ceW efJeeere Je<e& kes oewjeve 18.71 ueeKe DeblejCe
ngS nQ efpeveceW `.203.34 kejes[ jeefMe kes mebJeJenej ngS, pees en oMee&lee nw efke ueesieeW ves
yeQeEkeie megefJeOee kee Gheeesie Meg kej efoee nw.
yeQke ves efJeeere meceeJesefMele ieenkeeW kees keeHeer cee$ee ceW $e+Ce Yeer efoS nQ. `.2.96 kejes[
keer Debvlee|veefnle DeesJej[^eHe megefJeOee kes Gheeesie mes ve kesJeue Gvekees Deemeeveer ngF& nw yeequke
Oeerjs-Oeerjs Jes efvepeer $e+CeoeleeDeeW keer heke[ mes yeenj Dee jns nQ.
community development projects (Amount in INR The Bank has disbursed a sum of Rs 699.74 lakh to 13 organizations
and the details of the projects undertaken).
engaged in various community development and socio-economic
welfare activities. (Pl. refer to Section B point no. 5)
5. keee Deeheves en megefveeqele kejves kes efueS keesF& keoce G"eee nw efke
mecegoee efJekeeme henue kees ueesieeW ves meHeueleehetJe&ke Deheveeee nw. eefo
neb lees, ke=heee 50 MeyoeW ceW efJeJejCe oW.
hebpeerke=le mebie"ve/mebmLeeve kes meveoer uesKeekeej mes yeQke Fme mebyebOe ceW Ske heceeCehe$e heehle
kejlee nw efke yeQke eje mJeerke=le oeve kee Gheeesie mebyebefOele GsMe kes efueS ngDee nw.
159
2012-13
efmeevle 9 Principle 9
`'JeJemeee kees DeHeves eenkeeW leLee GheYeeseeDeeW mes peg][s jn kej Gvekees efpecesoejerHetCe&
{bie mes cenlJe osvee eeefnS.''
Businesses should engage with and provide value to their
customers and consumers in a responsible manner
1. Fme efJeeere Je<e& kes Deble leke efkeleves heefleMele ieenke efMekeeeleW/GheYeesee Fme efJeeere Je<e& 2012-13 kes Deble leke kegue heehle efMekeeeleeW (14,692) keer 1.03%
ceeceues uebefyele nQ ?
(151) efMekeeeleW uebefyele nw.
1. What percentage of customer complaints/consumer 1.03% (151) of the total number of complaints received (14,692)
cases are pending as on the end of financial year?
are pending as at the end of the financial year 2012-13
2. keee kebheveer ves Glheeo uesyeue hej mLeeveere keevetve keer DeefveJeee&lee kes ueeiet veneR.
lenle efveOee&efjle meteveeDeeW kes Deefleefje Glheeo mebyebOeer meteveeSb heoe|Mele Not Applicable
keer nw?
2. Does the company display product information on the
product label, over and above what is mandated as
per local laws?
3. keee efheues heebe Je<eeX kes oewjeve efkemeer efnleOeejke ves kebheveer kes efJe Metve
DeJewOe Jeeheej, iewj-efpeccesoejevee efJe%eeheve Deewj/ee iewj heeflemheOee&lceke Nil
JeJenej kes mebyebOe ceW ceeceuee ope& efkeee nw Deewj en Fme efJeeere Je<e& kes
Deble leke uebefyele nw ? eefo nw lees, ueieYeie 50 MeyoeW ceW Fmekee efJeJejCe
oW.
3. Is there any case filed by any stakeholder against
the company regarding unfair
trade practices,
irresponsible advertising and/or anti-competitive
behaviour during the last five years and pending as
on end of financial year. If so, provide details thereof,
in about 50 words or so.
4. keee Deehekeer kebheveer ves keesF& GheYeesee meblegeq heJe=efe / GheYeesee yeQke ceW Jeee|<eke DeeOeej hej ieenke meblegeq meJex#eCe kejeee peelee nw. efJeeere Je<e& 2012meJex#eCe kejeee nw
13 kes efueS yeQke JesyemeeF hej 16.10.2012 mes 28.02.2013 leke Dee@veueeFve ieenke
Did your company carry out any consumer survey/ meblegeq meJex#eCe eEueke GheueyOe kejeee ieee efpemeceW ieenke mesJee meblegeq mebyebefOele 25
consumer satisfaction trends?
heMve leweej kej ieenkeeW mes Heer[yewke efueee ieee.
kegue efceueekej, 12,512 GejoeleeDeeW ves meJex#eCe ceW Yeeie efueee, efpemeceW mes,
1.
22% GejoeleeDeeW ves mesJee kees yengle Dee kejej efoee.
2.
22% GejoeleeDeeW ves mesJee kees Dee kene.
3.
17% GejoeleeDeeW ves mesJee kees meblees<epeveke kene.
4.
15% GejoeleeDeeW ves mesJee kees Kejeye kene.
5.
24% GejoeleeDeeW ves keesF& cetueebkeve veneR efoee.
A customer satisfaction survey is conducted in the Bank on
annual basis. For the financial year 2012-13, an online Customer
Satisfaction Survey was launched and a survey link containing
set of 25 questions designed for study on customer service
satisfaction was placed on the Banks website from 16.10.2012 to
28.02.2013 to obtain feedback from the customers.
In all, 12,512 respondents participated in the survey, of which
1. 22% respondents rated the services as Very Good.
2. 22% respondents rated the services as Good.
3. 17% respondents rated the services as satisfactory.
4. 15% respondents rated the services as poor.
5. 24% respondents did not rate.
160
2012-13
ef[ces Keelees ceW Mesej jKevesJeeues Mesej OeejkeeW mes DevegjesOe nw efke Jes DeHeves ef[ces
Keeles ceW F&-cesue DeeF&[er ope& kejW.
Dear Sir,
I/ We ______________________________ holding _________
shares of Bank of Baroda in physical form, intend to receive
all communication from Bank of Baroda through our email ID
given hereunder, as a part of Green Initiative under Corporate
Governance of Bank of Baroda.
Folio Number: _______________ Email ID: _______________
I/ We also undertake that the communication received through my/
our email ID will be treated as proper, legal and sufficient delivery of
documents sent to us by Bank of Baroda. I/ We further undertake
that we would not hold Bank of Baroda, any of its employees,
Registrars or its employees, responsible in case the communication
is not properly received at my/ our email ID due to any technical/
other failures.
____________________
Signature of First Holder
161
2012-13
1.
2.
3.
4.
veeceebkeve mecYeJe
4. Nomination possible
5.
6.
F&meerSme cewve[s
ECS Mandate
1.
ueeYeebMe Yegieleeve keer leejerKe kees ner ueeYeebMe hele#e pecee kejvee
2.
ueYeebMe Jeejb ceW osjer/ Deheeeqhle / hegveJezOelee keer keesF& mecemee veneR
162
E-mail iD
1. Be a part of Green Initiative of Government of India
(GOI)
2. Immediate receipt of Corporate communication
including Notice of AGM & EGM / Annual Reports /
Half Yearly communication, etc
2012-13
ke. ekeerkejCe kee esceJeke& yeQke Dee@]He ye[ewoe hej meesuees DeeOeej hej ueeiet neslee
nw, pees efke mecetn ceW meJeexe yeQke nw.
Ke. yeQke keer efvecveefueefKele Iejsuet leLee efJeosMeer oesveeW ekeej keer Deveg<ebefieeeb,
meneeke FkeeFeeb leLee mebege Gece nQ :
ece mebKee
Sr. no.
i
ii.
iii.
iv.
v.
vi.
vii.
viii.
ix.
x.
xi.
xii.
Deveg<ebieer (Iejsuet)
vewveerleeue yeQke efueefces[
yee@yekee[&dme efueefces[
yee@ye kewefheue ceekex efueefces[
Deveg<ebieer (efJeosMeer)
yeQke Dee@]He ye[ewoe (et.kes.) efueefces[
yeQke Dee@]He ye[ewoe (etieev[e) efueefces[
yeQke Dee@]He ye[ewoe (kesvee) efueefces[
yeQke Dee@]He ye[ewoe (iegeevee) Fbke.
yeQke Dee@]He ye[ewoe (yeeslmJeevee) efueefces[
yeQke Dee@]He ye[ewoe (leb]peeefveee) efueefces[
yeQke Dee@]He ye[ewoe (ef$eefveoeo SC[ esyesiees) efueefces[
yeQke Dee@]He ye[ewoe (Ieevee) efueefces[
yeQke Dee@]He ye[ewoe (vetpeerueQ[) efueefces[
yeQke keer efvecveefueefKele Iejsuet leLee efJeosMeer meneeke FkeeFeeb Yeer nQ.
ece mebKee
Sr. no.
i
ii
iii
iv
v
vi
i.
Scope of application
a.
b.
Extent of ownership
SUBSiDiARY (DOMESTiC)
Nainital Bank Limited
98.57%
BOBCARDS Limited
100.00%
100.00%
SUBSiDiARY (FOREiGn)
Bank of Baroda (U.K.) Ltd
100.00%
80.00%
86.70%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
The Bank also has following Associates both domestic and foreign:
name of the associate
ASSOCiATES (DOMESTiC)
Baroda Pioneer Asset Management
Company Limited
Baroda Pioneer Trustee Company Co Ltd
Extent of ownership
49.00%
49.00%
35.00%
35.00%
35.00%
ASSOCiATE (FOREiGn)
Indo Zambia Bank Limited
20.00%
Extent of ownership
30.00%
44.00%
40.00%
163
ie.
Ie.
ii.
2012-13
hetbpeeriele {ebee
ke. yeQke keer efej - I hetbpeer ceW Mesej hetbpeer, veJeesvces<eer yesceereeoer $e+Ce efueKele
leLee efJeefYeVe ekeej keer eejef#ele efveefOeeeb Meeefceue nQ. efej - II hetbpeer
ceW hegvecet&ueebkeve efveefOeeeb (Yeejleere efj]peJe& yeQke kes eeJeOeeveeW kes Devegmeej
ef[mkeeGCs[), meeceeve neefve efveefOe, ceeveke DeefmleeeW hej eeJeOeeve, Ge
efej - II leLee efvecve efej - II hetbpeer Meeefceue nQ. Ge efej II hetbpeer ceW
efJeosMeer yeepeej ceW peejer SceerSve yee@C[ Yeer Meeefceue nQ. yespeceeveleer eefleose
$e+CeeW keer DeJeefOe Fme ekeej nw :
Ge efej 2 hetbpeer :
e=bKeuee
eb=Keuee VII
eb=Keuee VIII
eb=Keuee IX
eb=Keuee XI
eb=Keuee XII
eb=Keuee XIII
eb=Keuee XIV
eb=Keuee XV
SceerSve efej II yee@C[
(efJeosMeer)
a.
yeepeoj
Series VII
Date of maturity
28.12.2022
Amount in ` Crs.
500.00
Series VIII
9.30
04.01.2023
1000.00
Series IX
9.15
04.03.2024
1000.00
Series XI
8.38
08.06.2024
500.00
Series XII
8.54
08.07.2024
500.00
Series XIII
8.48
31.05.2025
500.00
Series XIV
8.48
30.06.2025
500.00
Series XV
8.52
10.08.2025
500.00
6.625
25.05.2022
( 25.5.2017 kees kee@ue Dee@hMeve kes meeLe)
(with call option on 25.05.2017)
1628.55
Series
kegue TOTAL
6628.55
Series
yeepeoj
Amount in ` Cr
eb=Keuee IV
Series IV
5.85
02.07.2014
300.00
eb=Keuee V
Series V
7.45
28.04.2015
770.00
eb=Keuee VI
Series VI
8.95
15.05.2016
920.00
eb=Keuee X
Series X
8.95
12.04.2018
500.00
kegue TOTAL
164
2490.00
2012-13
31794.64
ii
ii
iii
iv
keewefleeeb
vi
422.52
29460.41
1911.70
Deductions
ie.
yeQke keer kegue efej 2 hetbpeer (efej 2 hetbpeer ceW mes Meg keewleer) 9683.21
kejes[ heS nw.
Ie.
Ge efej 2 hetbpeer ceW meceeJesMeve kes efueS hee$e $e+Ce hetbpeer efueKeleW Fme ekeej
nQ:
c.
d.
932.82
30861.81
0.00
hetbpeeriele efveefOeeeW kes he ceW ieCevee keer peeves Jeeueer hee$e jeefMe
6628.55
*.
efvecve efej 2 hetbpeer ceW meceeJesMeve kes efueS hee$e ieewCe $e+Ce hetbpeer efueKeleW Fme
ekeej nQ :
e.
6628.55
0.00
hetbpeeriele efveefOeeeW kes he ceW ieCevee keer peeves Jeeueer hee$e jeefMe
1420.00
e.
hetbpeer heee&hlelee keer ieCevee kes efueS efej I Deewj efej II hetbpeer ceW mes
efvecveevegmeej keewleer keer ieF& nw.
f.
2490.00
nature of Deduction
ece mebKee
1.
Deve Deieesej Deeeqmleeeb (cesceve keesDee@hejsefJe yew bke keer Deeeqmle SJeb oseleeDeesb
kees ske DeesJej kejves hej . 62.20
kejes[ kes Iees leLee . 88.78 kejes[
keer DeemLeefiele kej DeeefmleeeW meefnle
Ieee)
150.98
0.00
2.
Deveg<ebefieeeW/mebege Gece/meneesieer
FkeeFeeW ceW efveJesMe
Investment in subsidiaries/ JV /
Associates
781.84
781.84
3.
kegue
Total
932.82
781.84
Sr. no.
165
2012-13
g.
efej - I hetbpeer
Tier I Capital
30861.81
efej - II hetbpeer
Tier II Capital
9683.21
]kegue
TOTAL
iii.
hetbpeer heee&hlelee
40545.02
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej yeQke ves $e+Ce peesefKece kes
efueS ceevekeerke=le Heefle, heefjeeueve peesefKece kes efueS DeeOeejYetle mebkesleke
heefle leLee meerDeejSDeej keer ieCevee kes efueS yeepeej peesefKece nsleg ceevekeerke=le
DeeJeefOeke heefle Deheveeeer nw.
keejesyeej jCeveerelf e, veerelf e leLee peeseKf ece eJe=ef e kes meboYe& ceW ueef#ele leLee
OeejCeere hetpb eer
YeefJe<e keer hetbpeeriele Deeeespevee Deieues leerve Je<e& kees Oeeve ceW jKekej
keer peeleer nw.
166
hebpt eeriele eespevee kees Jeeef<e&ke DeeOeej hej mebMeeseOf ele efkeee peelee nw. yeQke keer
veerelf e Deebleefjke hetpb eer heee&hlelee cetueebkeve veerelf e (vetvelece 12% hetpb eer heee&hlelee
Devegheele ee mecee-mecee hej yeQke kes efveCe&eevegmeej) ceW efveOee&ejf le hetpb eer kees
yeveeS jKevee nw, Fmekes meeLe ner yeQke keer veerelf e YeefJe<e ceW keejesyeej Je=e
f
kes efueS hetpb eer kees yeveees jKevee nw leeefke DeeJeMeke vetvelece hetpb eer kees melele
DeeOeej hej yeveeS jKee pee mekes. Devegceeve kes DeeOeej hej yeQke Deheves efveosMeke
ceb[ue kes Devegceesove mes efej - 1 ee efej - 2 ceW hetpb eer mebie=nerle kejlee
nw. yeQke kes efveosMeke ceb[ue eje efleceener DeeOeej hej yeQke keer hetpb eer heee&hlelee
efmLeefle keer meceer#ee keer peeleer nw Deewj s Yeejleere efjp] eJe& yeQke kees Yeer emlegle
keer peeleer nw.
Ke) 31.03.2013 leke yeQke kes peesefKece Yeeefjle DeeefmleeeW (Deej[yueetS),
vetvelece hetbpeeriele DeeJeMekelee leLee JeemleefJeke hetbpeer heee&hlelee keer efmLeefle
efvecveevegmeej nw:
b.
2012-13
Deej[yuetS (yeemesue-II)/hetbpeer
RWA(Basel-II)/Capital
(jeefMe kejes[ ` ceW/
Amount in ` Crore)
266758.43
NIL
266758.43
24008.26
RWA (Basel II)
8959.10
225.00
10611.22
19795.32
1781.57
18203.00
1638.27
304756.75
27428.10
RWAs
9683.21
40545.02
iV.
30861.81
CRAR
13.30%
10.13%
3.17%
167
2012-13
IV.
iv. DeuheeJeefOe HemeueeW kes efueS oes Hemeueer ceewmeceeW nsleg cetue jeefMe keer
efkemle DeLeJee Gme hej yekeeee yeepe Deefleose nes peelee nw.
v.
uecyeer DeJeefOe keer HemeueeW kes efueS Ske Hemeueer ceewmece nsleg cetue jeefMe keer
efkemle DeLeJee Gme hej yekeeee yeepe Deefleose nes peelee nw.
efkemeer Dees[er / meer meer Yeer Keeles kees Deefveeefcele Keeles kes he ceW ceevee peeSiee
eefo Keeles ceW mJeerke=le meercee / DeenjCe meercee mes DeefOeke jeefMe 90 efove mes DeefOeke
yekeeee jnleer nes. Ssmes ceeceueeW ceW, peneB cetue heefjeeueveiele Keeles ceW yekeeee
Mes<e mJeerke=le meercee / DeenjCe meercee mes kece jnlee nes uesefkeve peneb legueve-he$e
keer leejerKe kees efvejvlej he mes 90 efoveeW kes efueS DeLeJee Gmeer DeJeefOe kes oewjeve
veeces efkeS ieS yeepe keer Jemetueer nsleg pecee jeefMe Mes<e veneR nes lees Ssmes KeeleeW kees
Deefveeefcele Keeles keer esCeer ceW ceevee peeesiee.
efkemeer Yeer $e+Ce megefJeOee kes Devleie&le yeQke kees ose efkemeer Yeer Ssmeer jeefMe kees Deefleose
ceevee peeesiee eefo en yeQke eje efveOee&efjle keer ieF& ose leejerKe kees Deoe veneR
keer peeleer nw.
(iii)
FeqkeJeer MesejeW kes ceeceues ceW, peneB efkemeer kebHeveer kes MesejeW kes efveJesMe
kejves Hej cetue eefle kebHeveer 1/- hees efkeee ieee nw. Yeejleere
efj]peJe& yeQke kes efveosMeeW kes Devegmeej Deeleve legueve He$e keer DevegHeueyOelee
kes keejCe Gve FeqkeJeer Mesejesb keer ieCevee Yeer SveHeerDeeF& kes He ceW
keer peeleer nw.
(iv)
eefo efveie&cekelee& eje eeHle keer ieF& keesF& $e+Ce megefJeOee yeQke keer
yeefneeW ceW SveHeerS nw lees Gme efveie&cekelee& eje peejer keer ieF& efkemeer Yeer
eefleYetefle ceW efveJesMe kees SveHeerDeeF& leLee efJeueescele: ceevee peeSiee.
ef[yeWej / yeeb[ ces efveJesMe pees efke Deefece kes He ceW ceeves peeles nQ, efveJesMe
Hej ueeiet nesves Jeeues SveHeerDeeF& ceeveob[eW kes DeOeOeerve nQ.
yeQke keer iewj efve<Heeoke DeefmleeeW kees efvecveefueefKele -3- esefCeeeW ceW Jeieer&ke=le
efkeee ieee nw.
l
DeJeceeveke Deeefmleeeb
DeJeceeveke Deeefmle mes DeefYeeee, Ssmeer Deefmle mes nw pees efke 12 cenerveeW keer DeJeefOe
mes kece DeLeJee mecelegue DeJeefOe kes efueS iewj efve<heeoke Deeefmle jner nes.
l
mebefoiOe Deeefmleeeb
efkemeer Yeer Deeefmle kees, 12 cenerveeW kes efueS DeJeceeveke esCeer ceW yeves jnves keer
efmLeefle ceW Gmes mebefoiOe kes he ceW Jeieeake=le efkeee peeesiee.
l
neefve Jeeueer Deeefmleeeb
neefve Jeeueer Deeefmle mes DeefYeeee Ssmeer Deeefmle mes nQ peneb neefve yeQke DeLeJee
Deebleefjke DeLeJee yeee uesKee hejer#ekeeW DeLeJee Yeejleere efjpeJe& yeQke kes efvejer#eCe
eje helee eueer nes. neefve Jeeueer DeeefmleeeW ceW GheueyOe eefleYetelf e kee Jemetueer eesie
cetue, yekeeee Mes<e / oseeW kee 10% mes DeefOeke veneR neslee nw.
(v)
168
b.
c.
2012-13
169
Ie.
[.
2012-13
veerefleeeW Deewj yeQke keer GeceJeej peesefKece eyebOeve keeeex keer efveeefcele
osKejsKe kejves kes efueS $e+Ceveerefle meefceefle kee ie"ve efkeee ieee nw.
l
$e+Ce emleeJeeW kes ceevekeeW, efJeeere emebefJeoeDeeW, jsefbie ceevekeeW leLee
yeWeceeke& kes mebyebOe ceW ceeveke veerefleeeb leweej kejvee.
l
$e+Ce peesefKece eyebOeve ke#e efveOee&efjle meerceeDeeW kes lenle heneeve,
mlej, osKejsKe leLee $e+Ce peesefKece efveeb$eCe mebyebOeer keee& osKeles nQ.
l
yees[& / efveeecekeeW Deeefo eje leweej efkeS ieS peesefKece ceeveob[ leLee
mebYeeJevee meerceeDeeW kees ueeiet kejvee leLee Gvekee Devegheeueve megefveefMele
kejvee.
l
peesefKece cetueebkeve eCeeefueeeW kees leweej kejvee, Sce DeeF& Sme
kee efJekeeme kejvee Deewj $e+Ce mebefJeYeeie keer iegCeJeee keer osKejsKe,
mecemeeDeeW keer heneeve, keceer kees hetje kejvee.
l
mebefJeYeeie cetueebkeve kejvee, DeLe&JeJemLee, Geesie hej legueveelceke
efJeJesevee leweej kejvee, $e+Ce mebefJeYeeie hej ueeeruesheve kee hejer#eCe
kejvee.
l
efveOee&efjle efveeceeW Deewj ceeie& efveoxMeeW keer hetCe& he mes Devegheeuevee kes
efueS $e+Ce meghego&ieer eCeeueer ceW megOeej ueevee.
peeseKf ece efjheexef ib e keer mebYeeJeveeSb Je eke=efle Deewj/DeLeJee Deekeueve heefle
yeQke kes heeme Deheves $e+Ce peesefKece kes efueS ke[er $e+Ce peesefKece jsefbie eCeeueer
GheueyOe nw. $e+Ce peesefKeceeW kees kece kejves kes eYeeJeer Gheeeesb ceW efkemeer Yeer
Deeefmle efJeMes<e ceW peesefKece keer mebYeeJeveeDeeW kee helee ueieevee, meg{ Deeefmle
iegCeJelee osKejsKe, yeQke keer mecee keee&veerefle Deewj $e+Ceveerefle kes Deveghe
Dehesef#ele peesefKece efjve& ceeveob[eW kees hetje kejves kes efueS DeeefmleeeW keer keerceleeW
kees ueeeruee yeveevee Meeefceue nw.
yeQke keer ke[er $e+Ce peeseKf ece jsef ib e eCeeueer Devleje&e^ r e mlej hej Deheveees pee
jns mJehe Deewj efJee keer cenlJehetCe& eefeeeDeeW hej DeeOeeefjle nw Deewj en yeQke
kees $e+Ce DeeefmleeeW ceW etke keer mebYeeJeveeDeeW kee efveOee&jCe kejves leLee etke keer
iebYeerjlee kee helee ueieeves ceW meneesie kejleer nw Deewj Fme ekeej en eCeeueer yeQke
kees heefle efvecee&Ce leLee Deeefmle iegCeJeee kees yejkejej jKeves ceW ceoo kejleer nw.
31.03.2013 kees $e+Ce peesefKece kes mebyebOe ceW cee$eelceke ekeerkejCe
efvecveevegmeej nQ:
e.
Geesie
Sr.
d.
e.
industry
iewjefveefOe DeeOeeefjle
Yeewieesefueke mebefJelejCe
Geographic distribution
kegue
Total
332811.32
60201.88 393013.20
1. Iejsuet
1. Domestic
228557.09
50222.50 278779.59
2. efJeosMeer
2. Overseas
104254.23
9979.38 114233.61
industry
e. meb
Geesie
S.1
keeseuee
A.1
S.2
Deve
yeer.
1182.34
749.78
1932.12
Coal
176.16
230.76
406.92
A.2
Other
1006.18
519.02
1525.20
Keee hemkejCe
B.
Food Processing
5613.81
2446.68
8060.49
yeer.1
eerveer
B.1
Sugar
1079.62
9.75
1089.37
yeer.2
B.2
780.26
2122.50
2902.76
170
e.
Geesie
Sr.
yeer.3
eee
B.3
yeer.4
keeHeer
yeer.5
industry
2012-13
efveefOe DeeOeeefjle
iewjefveefOe DeeOeeefjle
TEA
39.19
1.74
40.93
B.4
Coffee
10.17
0.00
10.17
Deve
B.5
Others
3704.58
312.67
4017.25
meer.
hese heoeLe&
C.
Beverages
571.22
176.02
747.24
meer.1
C.1
276.23
153.94
430.17
meer.2
Deve
C.2
Others
294.99
22.08
317.07
[er.
wkemeeFue
D.
Textiles
11562.30
1954.55
13516.85
[er.1
keeve wkemeeFue
D.1
Cotton Textile
5137.63
500.38
5638.01
[er.2
pet wkemeeFue
D.2
Jute Textile
166.61
45.80
212.41
[er.3
nmleefMeuhe / Keeoer
D.3
Handicraft/Khadi
285.53
13.95
299.48
[er.4
efmeuke
D.4
Silk
256.81
32.64
289.45
[er.5
Jetueve
D.5
Woollen
371.59
6.46
378.05
[er.6
Deve
D.6
Others
5344.13
1355.31
6699.44
2988.45
399.96
3388.41
kegue
Total
F&.
E.
409.00
61.02
470.02
SHe.
F.
487.56
128.29
615.85
peer.
G.
1611.94
340.62
1952.56
Se.
hes^esefueece
H.
Petroleum
2939.77
2632.90
5572.67
Deee.
I.
8538.52
2086.38
10624.90
Deee.1
GJe&jke
I.1.
Fertilizers
1023.23
807.27
1830.50
Deee.2
I.2
2568.82
343.08
2911.90
Deee.3
hes^es-kesceerkeume
I.3
Petro-Chemicals
1270.36
139.80
1410.16
Deee.4
Deve
I.4
Other
3676.11
796.23
4472.34
pes.
J.
2911.68
752.04
3663.72
kes.
K.
943.80
272.11
1215.91
Sue.
L.
1357.63
155.91
1513.54
Sce.
M.
14755.47
4263.18
19018.65
Sce.1
M.1
11129.91
3207.83
14337.74
Sce.2
M.2
3625.56
1055.34
4680.90
Sve.
mecemle FbpeerefveeeEjie
N.
All Engineering
6354.65
4808.44
11163.09
Sve.1
Fuewke^esefvekeme
N.1
Electronics
1206.68
417.96
1624.64
Sve.2
Deve FbpeerefveeeEjie
N.2
Other Engg
5147.97
4390.48
9538.45
Dees.
1523.58
641.70
2165.28
heer.
1515.48
130.78
1646.26
P.
171
2012-13
e.
Geesie
Sr.
keet.
efvecee&Ce
Q.
Deej.
mebjevee
Deej.1
industry
efveefOe DeeOeeefjle
iewjefveefOe DeeOeeefjle
Construction
5237.57
1095.70
6333.27
R.
Infrastructure
31801.08
7319.02
39120.10
heefjJenve
R.1
Transport
7560.65
2086.56
9647.21
Deej.1.1
jsueJes
R.1.1
Railways
15.56
2.42
17.98
Deej.1.2
me[ke heefjJenve
R.1.2
Roadways
5674.40
1765.33
7439.73
Deej.1.3
efJeceeveve
R.1.3
Aviation
555.03
6.32
561.35
Deej.1.4
peue heefjJenve
R.1.4
Waterways
436.65
90.23
526.88
Deej.1.5
Deve heefjJenve
R.1.5
Others Transport
792.58
222.25
1014.83
Deej.2
Tpee&
R.2
Energy
15991.22
3717.54
19708.76
Deej.2.1
efJeegle pesve-^ebme--ef[m^eryetMeve
R.2.1
Electricity gen-trans--distribution
15989.31
3717.54
19706.86
5244.45
294.93
5539.38
Oil
0.00
0.00
0.00
1.91
0.00
1.91
0.00
0.00
0.00
kegue
Total
Deej.2.2
lesue
R.2.2
Deej.2.3
Deej.2.4
Deve
R.2.4
Other
Deej.3
sefuekecegefvekesMeve
R.3
Telecommunication
5698.12
695.57
6393.69
Deej.4
Deve
R.4
others
2637.52
810.65
3448.17
Deej.4.1
peue mJelee
R.4.1
Water Sanitation
175.83
417.93
593.76
Deej.4.2
R.4.2
398.15
165.29
563.44
Deej.4.3
Deve
R.4.3
Others
2063.54
236.12
2299.66
Sme.
Deve Geesie
S.
Other Industries
2193.68
1225.03
3418.71
GeesieeW ceW $e+Ce Skemehees]pej, peneb yekeeee Skemehees]pej yeQke kes kegue Iejsuet $e+Ce
Skemehees]pej kes 5% mes DeefOeke nw, Fme ekeej nw,
ece
mebKee
Sr no
1
172
Geesie
industry
101511.07
31240.15 132751.22
% of Total Domestic
Exposure
19706.85
7.07
14337.74
5.14
f.
2012-13
`. kejes[
meceeeJeefOe
Time
bucket
Deefece Advances
Iejsuet .
Iejsuet efJeosMeer
Domestic
cege
Rupee
efJeosMeer
int'l
efveJesMe investments
kegue (S)
Total (A)
Iejsuet
efJeosMeer
Domestic
int'l
kegue (yeer)
Iejsuet
efJeosMeer
int'l
Domestic
Fgn
Currency
kegue (meer)
Total
(C )
ceW
Rs. In Crore
kegue
Deeefmleeeb
eefleMele
%age
Total
Assets
(A+B+C)
1 efove
1D
2256.94
29.77
2347.66
4634.37
2604.40
1.43
2605.83
19557.84
3.77%
2-7 efove
2-7 D
5198.17
74.50
2995.90
8268.57
1922.49
13.38
1935.87
6587.51
4880.57 11468.08
21672.51
4.18%
8-14 efove
8-14 D
7812.67
90.79
2977.95
10881.41
672.06
43.08
715.14
395.57
1845.37 2240.94
13837.49
2.67%
15-28 efove
15-28 D
3130.77
439.38
5654.85
9225.00
564.54
23.85
588.39
325.71
6384.53 6710.24
16523.63
3.18%
21010.95
2214.41
21007.51
44232.88
9489.81
120.01
9609.82
3 cenerves-6 cenerves 3 - 6 M
12540.57
1528.65
22473.01
36542.22
2821.39
574.24
3395.63
0.00
8819.65 8819.65
48757.50
9.39%
6
cenerves-12 6 - 12 M 22559.65
c e n e r v e s
1402.18
6305.45
30267.28
2476.69
287.97
2764.66
0.00
7680.61 7680.61
40712.54
7.84%
1 Je<e&-3 Je<e&
1-3Y
74768.48
201.44
20326.73
95296.65 15708.01
906.86 16614.87
0.00
407.84
3 Je<e&-5 Je<e&
3-5Y
21804.04
160.51
14740.88
36705.42 12281.62
1519.33 13800.94
0.00
37.10
14.07
5061.50
52131.98 68218.57
1144.00 69362.57
104.80
652.05
6155.69
103891.4
328185.77 116759.5
TOTAL
kegue
218138.63
eceebke
i
ii
iv
9.74%
DeJeceeveke
Substandard
4918.70
mebefoiOe 1
Doubtful 1
1847.78
mebefoiOe 2
Doubtful 2
708.51
mebefoiOe 3
Doubtful 3
130.00
neefve
Loss
377.59
Meg SveheerS
ii
SveheerS Devegheele
Net NPAs
Total
kegue
iii
50543.47
NPAs (Gross):
SveheerS (mekeue)
37.10
Deeefmle esCeer
Sr. no.
g.
72867.90 14.04%
iii
4192.02
NPA Ratios
2.40%
1.28%
iv
Movement of NPA(Gross)
eejbefYeke Mes<e
Opening balance
4464.75
pees[
Additions
6843.80
keceer
Reductions
3325.97
173
2012-13
Asset Category
Deeefmle esCeer
Sr. no.
Closing balance
Deefvlece Mes<e
v
vi
vii
eejbefYeke Mes<e
Opening balance
2921.11
2989.52
2120.08
Deefvlece Mes<e
Closing balance
3790.55
vi
405.25
303.56
Je<e& kes oewjeve efveJesMe hej cetueeme nsleg eeJeOeeveeW kee vii Movement of provisions for depreciation on
investments during the year
cetJeceW
eejbefYeke Mes<e
Opening balance
703.88
hegvejebkeve
Write-back
106.30
Deefvlece Mes<e
Closing balance
919.15
*321.57
* . 7.08 kejes[ kes efJeefvecee Gleej-e{eJe kees Devleje&^ere Skemehees]pej kes efueS meceeeesefpele efkeee ieee nw.
*Exchange fluctuation of Rs. 7.08 cr has been adjusted for international exposure.
V.
$e+Ce peeseKf ece : ceevekeerke=le heefle kes lenle heesH& eeseuf eees nsleg
ekeerkejCe
V.
ceevekeerrke=le heefle kes lenle yeQke, Yeejleere efjpeJe& yeQke eje Devegceesefole
meYeer F&meerSDeeF& (yeee $e+Ce cetueekeve mebmLeeve) eLee meerSDeejF&, efeefmeue,
efHee (Fbef[ee), Deewj DeeFmeerDeejS keer Iejsuet $e+Ce Skemeheespej nsleg jsefbie kees
mJeerkeej kejlee nw. efJeosMeer $e+Ce Skemeheespej kes efueS yeQke msC[[& SJeb hetDej,
cet[er, leLee efHee keer jsefbie mJeerkeej kejlee nw.
yeQke keeheexjs leLee meeJe&peefveke #es$e eefleeve kes GOeejkelee&DeeW kees F&meerSDeeF&
mes jsefbie uesves kees eeslmeeefnle kejlee nw Deewj peneB kenerb Ssmeer jsefbie GheueyOe
nw, JeneB peesefKece hej DeeefmleeeW keer ieCevee kes efueS Fve jsefbieeW kee Gheeesie
efkeee nw.efvecveefueefKele leerve ecegKe peesefKece mecetneW ceW ceevekeerke=le heefle
(cetueebefkele Deewj iewj cetueebefkele) kes Devegmeej peesefKece kece kejves kes heeele,
peesefKece jeefMeeeB Fme ekeej nQ.
213762.75
116768.59
33003.76
meerDeejSce keewleer
CRM DEDUCTED
29478.11
174
kegue/Total
393013.20
ke. yeQke Deheves GOeejkelee&DeeW hej Skemeheespej (efveefOe DeeOeeefjle leLee iewj efveefOe
DeeOeeefjle) kees mebjef#ele kejves kes efueS efJeefYeVe ekeej keer eefleYetelf eeeB (pees
efke mebheeefe&ke he ceW Yeer nes mekeleer nw) eehle kejles nQ.w yeQke ves Yeejleere
efjp] eJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej keg Deefece peeseKf ece vetve
kejves kes yeejs ceW Skemeheespej ceW keceer keer veerelf e kees Deheveeee nw, peneb
keneR keeheexjs ieejber Deefece peeseKf ece vetve kejves kes he ceW GheueyOe
nw, Deefece peeseKf ece GheueyOe ieejber keer meercee leke ieejberoeleeDeeW kees
Debleefjle efkeee peelee nw. meeceevele: efvecveefueefKele ekeej keer eefleYetelf eeeB
(cegKe eefleYetelf eeeB DeLeJee mebHeeefe&ke eefleYetelf eeeB) ueer peeleer nQ.w
2012-13
1.
1.
2.
2.
3.
3.
4.
4.
5.
5.
6.
6.
$e+Ce HeefleYetefleeeb - keefleHee Meleexb kes meeLe kesef[ jsefbie Spesvmeer eje
Devegceesefole
7.
7.
$e+Ce HeefleYetefleeeb -jseEie venerb keer ieF& keefleHee Melees kes meeLe Ske yeQke
eje peejer
8.
8.
9.
9.
10.
Corporates/PSEs
Central Government
State Government
ECGC
CGTMSE
175
2012-13
Ke. eleske $e+Ce peeseKf ece mebeJf eYeeie kes efueS kegue Skemeheespej, pees efke hee$e efJeeere
mebheeefe&ke eje keJej efkeee ieee nw, ceeefpe&ve kees ueieeves kes heMeele efvecveevegmeej nw:
b.
$e+Ce peeseK
f ece mebeJf eYeeie
osMeer ieejber
Domestic Sovereign
4.86
efJeosMeer ieejber
Foreign Sovereign
0.00
634.23
Claims on Banks
103.55
eeLeefceke [eruej
Primary Dealers
kee@heexjs
Corporates
17766.44
10142.60
DeeJeemeere mebheefe
Residential Property
102.41
Specified Categories
615.73
Deve Deeefmleeeb
Other Assets
k] egue
TOTAL
ie.
Asset category
30.68
c.
F&meerpeermeer meerpeererSceSmeF&
ECGC
77.61
29478.11
SkemeheespejeW kee efJeJejCe, pees efke ieejbefeeW eje keJej efkeS ieS nQ, (Yeejleere
efj]peJe& yeQke eje Devegcele)
Deeefmle esCeer
0.00
CGTMSE
SS jss[
leLee
DeefOeke
Rated
AA and
above
Guarantee by Guarantee by
Central Govt
Bank
osMeer ieejbefeeb
Domestic Sovereigns
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9030.13
45.63
9.74
Claims on Banks
0.00
0.00
0.00
0.00
0.00
2500.00
kee@heexjs
Corporates
4269.89
2.14
0.00
30.00
0.00
1033.60
297.53
979.39
0.00
0.00
0.00
103.40
DeeJeemeere mebheefe
Residential Property
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Specified Categories
0.00
0.00
0.00
0.00
0.00
0.00
Deve Deeefmleeeb
Other Assets
0.00
0.00
0.00
0.00
0.00
0.00
k] egue
TOTAL
4567.42
981.53
0.00
9060.13
45.63
3646.75
176
2012-13
Vii. Securitisation
eefleYetleerkejCe
ke. yeQke keer eefleYetefle veerefle nw efpemes yees[& eje Devegceesefole efkeee ieee nw. veerefle kes
Devegmeej eefleYetle efkees peeves Jeeues mebefJeYeeie keer eke=efle efjsue $e+Ce (DeeJeeme
$e+Ce, Dee@es $e+Ce, heefjmebheefeeeW kes hess Deefece, Jeweefeke $e+Ce leLee esef[
kee[&dme) SmeSmeDeeF& SJeb DeeOeejYetle heefjeespevee $e+Ce nQ.
efoveebke 31 ceee&, 2013 kees yeQke kes heeme Deheveer DeeefmleeeW kees eefleYetle kejves
kee keesF& ceeceuee veneR nw.
a.
b.
Ke. eefleYetleerkejCe kes mebyebOe ceW eefleOeeefjle Skemeheespej kee keesF& ceeceuee veneR nw.
yeQke eje Kejeros ieS eefleYeteflekejCe Skemeheespej keer jeefMe efvecveevegmeej nw:
yener cetue
Book value
peesefKece
Yeej %
RW %
peesefKece meceeeesefpele
cetue
Risk adjusted
value
SSS - efeefmeue
AAA CRISIL
15.97
15.97
100
15.97
kegue
Total
15.97
15.97
100
15.97
ie.
yeQke keer Je<e& 2013-14 kes oewjeve Deheveer efkemeer Yeer ceeveke Deeefmle kee
eefleYeteflekejCe kejves keer keesF& eespevee veneR nw.
Viii.
c.
kejWmeer peesefKece
Currency Risk
cetue peesefKece
Price risk
l
l
l
peesefKece eyebOeve kes efueS yeQke kes efveosMeke ceb[ue ves efJeefYeVe meerceeSb efveOee&efjle
keer nQ pewmes mekeue efveheeve meerceeSb, neefvejesOeke meerceeSb, Deewj cetue peesefKece
meerceeSb. peesefKece meerceeSb, Kegueer yeepeejiele efmLeefleeeW mes GlheVe peesefKeceeW kees
efveebef$ele kejleer nQ. neefvejesOeke meercee, Jemetueerke=le Deewj DeJemetueerke=le neefveeeW ceW
ueer peeleer nw.
yeQke ves Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej JeJemeee mebefJeYeeie
hej yeepeej peesefKece mes mebyebefOele hetbpeer eYeej keerr ieCevee kejves kes efueS Ske
mecegefele heefle leweej keer nw eLee ceevekeerke=le DeJeefOe heefle. Fme ekeej
Deekeefuele hetbpeer eYeej kees peesefKece Yeeefjle DeeefmleeeW ceW heebleefjle efkeee ieee
nw. $e+Ce peesefKece kes efueS mekeue peesefKece Yeeefjle DeeefmleeeW, yeepeej peesefKece
Deewj heefjeeueve peesefKece kees yeemesue-II kes Devleie&le yeQke kes meerDeejSDeej
efveOee&jCe kejves kes efueS efnmeeye ceW efueee peelee nw.
efoveebke 31 ceee& 2013 kees yeepeej peesefKece (ceevekeerke=le DeJeefOe heefle kes
Devegmeej) mebyebOeer hetbpeer eYeej leLee peesefKece Jeeueer Deeefmleeeb efvecveevegmeej nQ.
177
2012-13
yeepe oj peesefKece
iX.
heefjeeueve peesefKece
ke
yeepe oj peesefKece kees oes heefleeeW kes ceeOece mes efveOee&efjle Je ceeveerj
efkeee peelee nw.
(i) peesefKece hej Deee (heejbheefjke Devlej efJeMuess<eCe) (DeuheeJeefOe):
Fme heefle kes lenle yeepe ojeW ceW heefjJele&veeW kee yeQke keer Meg yeepe
Deee hej he[ves Jeeues lelkeeue eYeeJe kee eqJeMues<eCe efkeee peelee nw.
peesefKece hej Deee kees efJeefYeVe heefjMeeW ceW efvecveevegmeej efJeMuesef<ele
efkeee ieee nw.
1. Deee jsKee peesefKece : DeeefmleeeW Deewj oseleeDeeW kes efueS 1%
meceeveeblej heefjJele&ve kee Devegceeve ueieeee ieee nw.
2. DeeefmleeeW kes efueS esCeer-Jeej efYeVe Deee heefjJele&veeW kee Devegceeve
ueieeee ieee nw Deewj es oseleeDeeW hej Yeer ueeiet nesles nQ.
3.
(ii)
Fme heefle kees Deee ceW efoS HeefjJele&ve nsleg Deee jsKee ceW
meceevlej efMeHe ceevee peelee nw.
FefkeJeer kes DeeefLe&ke cetue Hej HeYeeJe kees pewmee Yeejleere efjpeJe&
yeQke ves efJeMuesef<ele efkeee nw, efveeefcele DeblejeueeW Hej 200 DeeOeej
Debkeere oj nsleg efJeMuesef<ele efkeee peelee nw.
yeQefkeie yeefneeW ceW yewke kes yeepe oj peesefKece kee efJeMues<eCe oesveeW Iejsuet
leLee efJeosMeer HeefjeeueveeW kes efueS efkeee peelee nw. Iejsuet HeefjeeueveeW kes
efueS FefkeJeer kes DeeefLe&ke cetue kee Deekeueve leLee efveiejeveer efleceener
DeeOeej Hej keer peeleer nw.
Ke. yeepe-ojeW ceW 100 DeeOeej Debkeere cetJeceW kes hess yeQke keer Meg yeepe Deee
hej Meg eYeeJe Iejsuet heefjeeueveeW kes efueS . 335.20 kejes[ nw (heee
mebmeeOeve SJeb heefjeespeve) peyeefke Devleje&<^ere HeefjeeueveeW kes efueS en
108.14 kejes[ heS nw.
178
8959.10
806.32
10611.22
955.00
225.00
20.25
19795.32
1781.57
Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej yeQke ves heefjeeueve peeseKf ece
nsleg hetpb eer DeeJeMekeleeDeeW kee Deekeueve kejves kes efueS DeeOeejYetle meteke heefle
Deheveeeer nw. cetue heefle kes Devleie&le iele 3 Je<eeX keer Deewmele Deee kees peeseKf ece
Yeeefjle Deeefmle leke ueeves kees Oeeve ceW jKee ieee nw.
X.
2012-13
S.No.
1
efJeJejCe
Particulars
eefleMele ceW
(In Percentage)
31.03.2009
31.03.2010
31.03.2011
31.03.2012
31.03.2013
7.78%
6.86%
6.97%
7.58%
7.34%
5.14%
4.42%
4.16%
4.95%
4.98%
2.91%
2.74%
3.12%
2.97%
2.66%
2.64%
2.44%
2.80%
2.64%
2.36%
1.42%
1.15%
0.89%
0.87%
0.76%
1.84%
1.56%
1.47%
1.32%
1.24%
45.38%
43.57%
39.87%
37.55%
39.79%
2.22%
2.03%
2.22%
2.19%
1.88%
1.15%
1.26%
1.35%
1.28%
0.93%
19.48%
22.19%
21.42%
19.11%
14.59%
0.98%
1.10%
1.18%
1.12%
0.82%
1.10%
1.21%
1.33%
1.24%
0.90%
9.50%
8.55%
8.48%
9.39%
8.90%
5.71%
4.90%
4.56%
5.62%
5.80%
17.22%
20.90%
17.76%
16.22%
23.65%
81.94%
84.47%
86.77%
86.86%
82.03%
87.44%
88.74%
90.29%
90.36%
86.17%
12.88%
12.84%
13.02%
12.95%
12.09%
erej Tier - I
7.79%
8.22%
8.96%
9.56%
9.20%
erej Tier - II
5.09%
4.62%
4.06%
3.39%
2.89%
14.05%
14.36%
14.52%
14.67%
13.30%
erej Tier - I
8.49%
9.20%
9.99%
10.83%
10.13%
erej Tier - II
5.56%
5.16%
4.53%
3.84%
3.17%
ueeiele-Deee Devegheele
Return on Assets
12
Yield on Advances
14
Cost of Deposits
15
$e+Ce + iewj meebefJeefOeke eueefveefOe Devegheele efveJesMe (Deveg<ebieer FkeeFeeW ceW efveJesMe kees
es[kej) pecee Devegheele
19
179
e.meb.
S.No.
1
efJeJejCe
Particulars
2012-13
eefleMele ceW
(In Percentage)
31.03.2009
31.03.2010
31.03.2011
31.03.2012
31.03.2013
36838
38960
40046
42175
43108
MeeKeeSb (mebKee)
2974
3148
3418
3959
4336
8.63
9.81
12.29
14.66
16.89
7.57
8.94
11.26
13.15
15.71
11.69
12.67
17.43
20.35
20.88
6.05
7.85
10.59
11.87
10.39
112.86
132.24
156.27
169.80
184.98
1.45
1.57
2.04
2.17
2.08
0.75
0.97
1.24
1.26
1.03
61.14
83.96
116.37
127.84
108.84
313.82
378.44
505.71
637.37
729.11
kece&eejer (mebKee)
Employees (number)
Branches (number)
3
sle: efJeefYeVe Je<eeX keer Jeeef<e&ke efjHeesx (peneb Gefele ueiee, efHeues Je<eeX kes Deeke[eW kees Hegveme&cetnerke=le/Hegve: Jeieeake=le efkeee ieee nw)
Source:
180
Annual Reports of various years. (previous year's figures are regrouped and reclassified, where appropriate)
2012-13
HeefjYee<eeSb / Definitions
Average Working
Funds (AWF)
Average Deposits
Average Advances
Average Business
:
:
:
Average investments
interest income/AWF
:
:
interest expenses/AWF
interest Spread/AWF
:
:
non-interest income/
AWF
Operating Expenses
Operating Expenses/
AWF
Cost income Ratio
:
:
Gross (Operating)
Profit/AWF
net Profit/AWF
: Meg ueeYe efJeYeeefpele kejW S[yuetSHe;
: Meg ueeYe efJeYeeefpele kejW Meg ceeefueele (Hegvecet&ueebkeve Return on net Worth
Return on Assets
Return on Average
Assets
: DeefieceeW Hej Deefpe&le yeepe efJeYeeefpele kejW Deewmele Yield on Advances
:
:
Deewmele efveJesMe
yeepe Deee/(S[yuetSHe)
yeepe Jee/S[yuetSHe
yeepe efJemleej/S[yuetSHe
iewjyeepe Deee/S[yuetSHe
Heefjeeueve Jee
Heefjeeueve Jee/S[yuetSHe
ueeiele Deee DevegHeele
mekeue (Heefjeeueve) ueeYe/
S[yuetSHe
Meg ueeYe/S[yuetSHe
Meg ceeefueele Hej HeefleHeue
DeeefmleeeW Hej HeefleHeue
Deewmele DeeefmleeeW Hej HeefleHeue
DeefieceeW Hej eefleHeue
peceejeefMeeeW keer ueeiele
ueeYeebMe Yegieleeve DevegHeele
(keejHeesjs ueeYeebMe kej meefnle)
$e+Ce pecee DevegHeele
$e+Ce + iewj meebefJeefOeke lejuelee
DevegHeele efveJesMe (Deveg<ebieer
FkeeFeeW ceW efveJesMe kees es[kej)
peceejeefMe - DevegHeele;
Heefle kece&eejer JeJemeee
eefle kece&eejer Deewmele JeJemeee
eefle kece&eejer mekeue ueeYe
Heefle kece&eejer Meg ueeYe
Heefle MeeKee keejesyeej
Heefle MeeKee mekeue ueeYe
Heefle MeeKee Meg ueeYe
Heefle Mesej Deee
Heefle Mesej yener cetue
Deefiece mes;
: peceejeefMeeeW Hej Heolle yeepe efJeYeeefpele kejW Deewmele Cost of Deposits
peceejeefMeeeW mes;
: ueeYeebMe, keejHeesjs ueeYeebMe kej meefnle; efJeYeeefpele Dividend Payout Ratio
(including Corporate
kejW Meg ueeYe mes;
: kegue Deefiece efJeYeeefpele kejW ieenkeeW keer peceejeefMeeeb
(DeLee&le kegue peceejeefMeeeb - IeeeW Deblej yeQke pecee
jeefMeeeb)
: (kegue Deefiece + iewj meebefJeefOeke eueefveefOe Devegheele
efveJesMe - IeeeW Deveg<ebieer FkeeFeeW ceW efveJesMe) efJeYeeefpele
kejW ieenkeeW keer peceeDeeW mes;
: mecee peceejeefMeeeb + kegue Deefiece efJeYeeefpele kejW,
kegue kece&eeefjeeW keer mebKee mes
: Deewmele peceejeefMeeeb Deewmele Deefece/efJeYeeefpele kejW
kegue kece&eejer mebKee mes
: mekeue ueeYe kees efJeYeeefpele kejW, kegue kece&eejer
mebKee mes;
: Meg ueeYe kees efJeYeeefpele kejW kece&eeefjeeW keer mebKee mes;
Dividend Tax)
Credit - Deposit Ratio
Branch
: Meg ueeYe efJeYeeefpele kejW MeeKeeDeeW keer mebKee mes; net Profit per Branch
: Meg ueeYe kees efJeYeeefpele kejW FefkeJeer mes X ome; Earnings Per Share
: Meg ceeefueele (Hegvecet&ueebkeve Heejef#ele jeefMe kees Book Value Per Share
:
:
:
:
:
:
:
:
:
:
:
:
:
:
181
2012-13
Devegmeteer
SChEDULE
As on
31st Mar, 2013
`
Devebefkele omitted)
31 ceee& 2012 kees
As on
31st Mar, 2012
`
422,51,75
412,38,46
31546,92,10
27064,46,61
peceejeefMeeeb
Deposits
473883,33,75
384871,10,59
Borrowings
26579,28,18
23573,05,12
14703,38,25
11400,45,92
pees[
TOTAL
547135,44,03
447321,46,70
Deeefmleeeb
ASSETS
13452,07,83
21651,45,96
71946,82,60
42517,08,16
Investments
121393,72,44
83209,40,01
Deefiece
Advances
328185,76,49
287377,29,35
Deeue Deeefmleeeb
Fixed Assets
10
2453,11,60
2341,50,20
Deve Deeefmleeeb
Other Assets
11
9703,93,07
10224,73,02
pees[
TOTAL
547135,44,03
447321,46,70
Deekeefmceke oseleeSb
Contingent Liabilities
204628,91,69
152502,81,31
25952,23,60
22766,99,37
17
Notes on Accounts
18
12
THej oMee&eer ieeer Devegmetefeeeb legueve-He$e kee Ske DeefYevve Yeeie nQ.
The Schedules referred to above form an integral part of the Balance Sheet.
efveosMeke
keee&Heeueke efveosMeke
keee&Heeueke efveosMeke
eer Jeer.kes.iegHlee
ceneHeyebOeke
(keeheexjs Keeles SJeb kejeOeeve SJeb cegefJeDe)
eer yeer. FueWiees
mene. ceneeyebOeke
(keeheexjs Keeles SJeb kejeOeeve)
mLeeve : cegbyeF&,
efoveebke : 13 ceF&, 2013
182
eer
eer
eer
eer
eer
eer
eer
eer
Deeueeske efveiece
mego&Meve mesve
efJeefveue kegceej mekemesvee
Jeer. yeer. eJneCe
mele osJe ef$ehee"er
ceewefueve S. Jew<CeJe
megjW Sme Yeb[ejer
jepeerye Sme meent
uesKee Hejer#eke
mece leejerKe keer nceejer mebueive he=Leke efjhees& kes Devegmeej
ke=les ue#ceerefveJeeme veerLe SC[ keb.
ke=les yeeee SC[ keb.
ke=les js SC[ js
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHeDeejSve: 002460 Sme
SHeDeejSve : 000511 Sme
SHeDeejSve : 301072 F&
(oeeefveJeeme Mecee&)
Yeeieeroej
Sce. veb.: 216244
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
(DeefceleeJee eewOejer)
Yeeieeroej
Sce. veb.: 056060
(ieewjJe efceeue)
Yeeieeroej
Sce. veb.: 099387
2012-13
Profit and Loss Account for the year ended 31st March, 2013
(000's
Devegmeteer
SCHEDULE
INCOME
Deee
Interest Earned
13
Deefpe&le yeepe
Other
Income
14
Deve Deee
TOTAL
pees[
EXPENDITURE
II. Jee
Interest Expended
15
Kee& efkeee ieee yeepe
Operating Expenses
16
Heefjeeueve Jee
Provisions and Contingencies
HeeJeOeeve Deewj Deekeefmceke Jee
TOTAL
pees[
PROFIT
III. ueeYe
Net Profit for the period
DeJeefOe kee Meg ueeYe
Available for Appropriation
efJeefveeespeve nsleg GHeueyOe jeefMe
Appropriations
efJeefveeespeve
a) Statutory Reserve
ke) meebefJeefOeke Heejef#ele efveefOe
b) Capital Reserve
Ke) Hetbpeeriele Heejef#ele efveefOe
ie) jepemJe SJeb Deve Heejef#ele efveefOeeeb c) Revenue and Other Reserves
I) meeceeve Heejef#ele efveefOe
I) General Reserve
II)
II) Deeekej DeefOeefveece 1960,
Special Reserve u/s 36 (1) (viii)
Deeekej DeefOeefveece 1961
of the Income Tax Act, 1960
keer Oeeje 36 (1) (viii) kes
Income Tax Act, 1961
Debleie&le efJeMes<e Heejef#ele efveefOe
III) meebefJeefOeke Heejef#ele efveefOe (efJeosMeer)
III) Statutory Reserve (Foreign)
Proposed Dividend
emleeef
J
ele
ueeYeeb
M
e
d)
Ie) (ueeYeebMe kej meefnle)
(including Dividend Tax)
e) Investment Reserve Account
*) efveJesMe eejef#ele Keelee
TOTAL
pees[
18 (B-5)
Basic & Diluted Earnings per Share (`)
Heefle Mesej cetue SJeb vetve Depe&ve (`)
(Nominal value per share `10)
(meebkesefleke cetue eefle Mesej `10)
Significant Accounting Policies
17
GuuesKeveere uesKee veerefleeeb
Notes on Accounts
18
uesKeeW Hej efHHeefCeeebb
THej oMee&eer ieeer Devegmetefeeeb }eYe Je The Schedules referred to above form
an integral part of the Profit & Loss Account.
neefve uesKes kee DeefYevve Yeeie nQ.
Year ended
31st March 2013
`
Devebefkele omitted)
31 ceee& 2012 kees
Year ended
31st March 2012
`
I.
S S MUNDRA
Chairman & Managing Director
P Srinivas
Executive Director
Ranjan Dhawan
Executive Director
Shri V K Gupta
General Manager
Corp A/cs & Taxation and CFO
Shri B Elango
DIRECTORS
Shri Alok Nigam
Shri Sudarshan Sen
Shri Vinil Kumar Saxena
Shri V B Chavan
Shri Satya Dev Tripathi
Shri Maulin A Vaishnav
Shri Surendra S Bhandari
Shri Rajib S Sahoo
35196,65,44
29673,72,42
3630,62,49
3422,32,82
38827,27,93
33096,05,24
23881,38,91
19356,71,23
5946,73,63
5158,71,73
4518,43,39
3573,66,66
34346,55,93
28089,09,62
4480,72,00
5006,95,62
4480,72,00
5006,95,62
1120,18,00
1251,73,91
81,44,81
22,39,86
1369,46,69
2453,86,08
850,00,00
533,84,66
1,55,80
1059,62,50
812,29,04
-4480,72,00
108.84
(68,73,73)
5006,95,62
127.84
AUDITORS
As per our separate report of even date attached
Place : Mumbai
Date : 13th May 2013
183
2012-13
Devegmeteer -1 Hetbpeer
HeeefOeke=le Hetbpeer
Heefle ` 10/- kes 300,00,00,000
Mesej
(efheues Je<e& 300,00,00,000/eefle Mesej ` 10/- kes)
efveie&efcele leLee DeefYeoe
Hetbpeer
Heefle ` 10/- kes 42,39,89,803
FefkeJeer Mesej
(efheues Je<e& 41,38,56,883 FefkeJeer Mesej
eefle ` 10/- kes)
ceebieer ieF& hetbpeer SJeb eoe hetbpeer
eefle ` 10/- kes 42,12,56,303 FefkeJeer
Mesej (efHeues Je<e& 41,11,23,383 Mesej)
efpemeceW kesv mejkeej eje Oeeefjle kegue
` 233.41 kejes[ jeefMe kes 23,34,12,499
FefkeJeer Mesej (efheues Je<e& 22,32,79,579
Mesej) Meeefceue nw.b
pees[W : peyle efkeS ieS Mesej
pees[
Devegmeteer-2
Heejef#ele efveefOeeeb Deewj DeefOeMes<e
I meebefJeefOeke Heejef#ele efveefOeeeb
HeejefcYeke Mes<e
DeJeefOe kes oewjeve HeefjJeOe&ve
II Heejef#ele Hetbpeer
(` 1104.26 kejes[ keer
hegvecet&ueebefkele eejef#ele efveefOe meefnle
(efHeues Je<e& ` 1173.68 kejes[ )
HeejefcYeke Mes<e
Je<e& kes oewjeve HeefjJeOe&ve
Je<e& kes oewjeve meceeeespeve
keewefleeeb :
ueeYe-neefve Keeles ceW Debleefjle
Hetvece&tueebefkele Dee} DeeefmleeeW Hej
cetue eme
III Mesej Heerefceece
HeejefcYeke Mes<e
Je<e& kes oewjeve HeefjJeOe&ve
184
Devebefkele omitted)
31 ceee&, 2012 kees
(000's
As on 31st Mar, 2013
`
`
3000,00,00
3000,00,00
423,98,98
413,85,69
421,25,63
1,26,12
422,51,75
411,12,34
1,26,12
412,38,46
6984,09,33
4612,17,42
1251,73,91 5863,91,33
SCHEDULE - 1 CAPITAL
AUTHORISED CAPITAL
300,00,00,000 Shares of
`10/- each
(previous year 300,00,00,000/shares of `10/- each)
ISSUED AND SUBSCRIBED
CAPITAL
42,39,89,803 Equity Shares of
`10/- each
(previous year 41,38,56,883
shares of `. 10/- each)
CALLED-UP & PAID-UP CAPITAL
42,12,56,303 (previous year
41,11,23,383) Equity Shares
of `10 each including
23,34,12,499 Equity Shares
(previous year 22,32,79,579
Shares) amounting to
` 233.41 crores held by Central
Government
Add : Forfeited Shares
Total
SCHEDULE - 2
RESERVES & SURPLUS
I Statutory Reserves
Opening Balance
Additions during the year
II Capital Reserves
(including Revaluation
Reserve of ` 1104.26 crores
(previous years ` 1173.68
crores)
Opening Balance
Additions during the year
Adjustments during the year
Deductions:
Depreciation on revalued
fixed assets transferred to
Profit & Loss account
III Share Premium
Opening Balance
Additions during the year
5863,91,33
1120,18,00
1974,89,59
81,44,81
(42,50)
2055,91,90
2021,30,70
22,39,86
7,63,41
2051,33,97
(68,99,00)
1986,92,90
(76,44,38)
1974,89,59
6332,71,79
839,86,71
7172,58,50
4707,60,59
1625,11,20
6332,71,79
2012-13
Devebefkele omitted)
31 ceee&, 2012 kees
(000's
Ie.
*.
a) Statutory Reserve
(Foreign)
Opening Balance
Additions during the
year
Adjustments during
the year
Opening Balance
Additions during the
year
c) F o r e i g n C u r r e n c y
Translation Reserve
d) Investment Reserve
Account
Transferred to P&L
Appropriation A/c
89,21,65
1,55,80
3,78,07
106,39,92
11,84,40
102,61,85
1559,23,66
850,00,00
1025,39,00
533,84,66
2409,23,66
1559,23,66
696,58,14
285,65,28
49,35,70
647,22,44
982,23,42
696,58,14
ueeYe-neefve efJeefveeespeve
Keeles ceW DeblejCe
Deve eejef#ele efveefOeeeb
eejbefYeke Mes<e
eejef#ele efveJesMe Keeles
kees Devleefjle
102,61,85
Opening Balance
Adjustments during
the year
e) Other Reserves
Opening Balance
Transferred to
Investment Reserve
Account
Additions during the
year
Adjustments during
the year
68,73,73
(68,73,73)
10534,50,25
-
8076,93,79
-
1369,46,69
2453,86,08
1,47,43
37038
11905,44,37
TOTAL - IV (a, b, c, d & e)
TOTAL (I to IV)
10534,50,25
15403,31,37
31546,92,10
12892,93,90
27064,46,61
185
2012-13
(000's
Devegmeteer-3 peceejeefMeeeb
ke. I
ceebie-peceejeefMeeeb
i)
SCHEDULE - 3
A.
II
II
Ke. I
II
74579,52,82
72421,97,80
52907,06,49
TOTAL (I to III)
Deposits of branches in
India
341705,59,38
280135,25,38
Deposits of branches
outside India
132177,74,37
104735,85,21
473883,33,75
384871,10,59
335,41,89
168,00,19
205,09,01
410,20,99
1911,70,00
1911,70,00
v)
5000,00,00
5000,00,00
2490,00,00
2490,00,00
II
Devegmeteer - 4
GOeej ueer ieeer jeefMeeeb
SCHEDULE - 4
BORROWINGS
I.
I. Borrowings in India
i)
ii)
Other Banks
SpeWefmeeeb
iv) veJeesvces<eer yesceereeoer $e+Ce efueKele
(DeeF&heer[erDeeF&)
v) yeeb[eW kes He ceW peejer nee efye[
$e+Ce Hetbpeer
vi) ieewCe yeeb[
473883,33,75
384871,10,59
TOTAL (I to VI)
9942,20,90
9979,91,18
16637,07,28
13593,13,94
26579,28,18
23573,05,12
2767,77,47
523,16,34
pees[ (i to iv)
186
1124,43,94
II.
1404,99,05
i) From Banks
yeQkeesb mes
Demand Deposits
DEPOSITS
i) From Banks
yeQkeesb mes
Devebefkele omitted)
31 ceee&, 2012 kees
2012-13
(000's
Devegmeteer - 5
SCHEDULE - 5
Bills Payable
ose efyeue
II
III
GHeefele yeepe
IV
ceeveke DeefieceeW keer SJepe ceW IV Contingent Provision against Standard Advances
Deekeefmceke HeeJeOeeve
III
pees[ (I mes V)
Devegmeteer - 6
SCHEDULE - 6
Devebefkele omitted)
31 ceee&, 2012 kees
1427,03,70
1366,84,43
360,51,59
3259,39,79
2805,96,51
1820,37,84
1390,06,06
7836,05,33
5837,58,92
14703,38,25
11400,45,92
1559,50,62
1200,78,63
II
11892,57,21
20450,67,33
13452,07,83
21651,45,96
187
2012-13
(000's
Devebefkele omitted)
31 ceee&, 2012 kees
Devegmeteer -7
SCHEDULE - 7
yeQkeeW kes Heeme Mes<e jeefMe leLee ceebie BALANCES WITH BANKS AND
SJeb DeuHe metevee Hej ose jeefMe MONEY AT CALL & SHORT NOTICE
I Yeejle ceW
i) yeQkeeW kes Heeme Mes<e jeefMe
I In India
i) Balances with Banks
a) in Current Accounts
1191,50,73
3448,27,37
4639,78,10
3554,22,95
a) Banks
2445,00,00
b) Other institutions
6411,69,11
pees[ (i Deewj ii )
50,00,00
8856,69,11
13496,47,21
II Outside India
i) in Current Accounts
11638,16,35
7773,20,19
24558,99,01
15668,49,67
22253,20,03
15216,72,11
188
50,00,00
3858,66,19
3808,66,19
254,43,24
58450,35,39
38658,41,97
71946,82,60
42517,08,16
2012-13
(000's
Devegmeteer-8 efveJesMe
SCHEDULE - 8 INVESTMENTS
Deueie-Deueie efJeJejCe
BREAK - UP
i) mejkeejer eefleYetefleeeb
i) Government Securities
Devebefkele omitted)
31 ceee&, 2012 kees
117537,50,11
79818,79,65
777,92,85
553,80,22
116759,57,26
79264,99,43
102044,53,23
69188,19,52
133,23,00
163,26,00
iii) Mesej
iii) Shares
1504,91,18
1459,93,49
2947,38,22
2959,98,37
826,57,58
697,59,53
9302,94,05
4796,02,52
116759,57,26
79264,99,43
189
2012-13
(000's
Devebefkele omitted)
31 ceee&, 2012 kees
(mekeue)
IeeeW : cetueeme kes efueS
HeeJeOeeve
Yeejle kes yeenj Meg
efveJesMe
Deueie-Deueie efJeJejCe
i) mejkeejer Heelf eYetelf eeeb
(mLeeveere HeeefOekejCeeW meefnle)
ii) efJeosMeeW ceW Deveg<ebefieeeb
Deewj / ee mebege Gece
iii) Deve efveJesMe
(ef[yeWej, yeeb[ Deeefo)
pees[ (I Deewj II)
Devegmeteer-9 Deefiece
190
4094,48,61
141,22,08
150,08,03
4775,37,26
4634,15,18
3944,40,58
1114,75,53
1059,64,08
737,10,40
537,34,74
2782,29,25
2347,41,76
4634,15,18
3944,40,58
121393,72,44
83209,40,01
48409,29,55
39117,90,23
138333,54,50
121401,49,70
141442,92,44
126857,89,42
328185,76,49
287377,29,35
226454,54,33
190080,43,40
59970,69,98
50360,86,29
41760,52,18
46935,99,66
328185,76,49
287377,29,35
79467,14,90
64909,93,48
22539,06,68
23704,48,27
2571,30,19
2095,10,85
119716,80,90 224294,32,67 111365,86,96 202075,39,56
41450,89,46
33315,39,60
14772,30,59
12068,97,80
47668,23,77 103891,43,82 39917,52,39 85301,89,79
328185,76,49
287377,29,35
2012-13
(000's
Heefjmej
efheues Je<e& kes 31 ceee& kees ueeiele Hej
Je<e& kes oewjeve HeefjJeOe&ve/
meceeeespeve
(Hegvecet&ueebefkele jeefMe meefnle)
Je<e& kes oewjeve
keewefleeeb/meceeeespeve
Premises
At cost as on 31st March of the
preceding year
Additions/adjustments during
the year
(Includes revalued amount)
Deductions/adjustments during
the year
Less: Depreciation/
Amortisation to date
Devebefkele omitted)
31 ceee&, 2012 kees
year
Additions/adjustments during
the year
Less: Deductions/adjustments
during the year
2584,13,89
2488,44,27
44,92,66
96,96,40
2629,06,55
2585,40,67
1,26,78
2629,06,55
2584,13,89
907,63,28
1721,43,27
813,03,56
2337,44,82
2059,71,72
473,09,13
337,57,40
2810,53,95
2397,29,12
58,63,74
59,84,30
2751,90,21
2337,44,82
2020,21,88
731,68,33
2453,11,60
1767,04,95
1771,10,33
570,39,87
2341,50,20
191
2012-13
(000's
Devegmeteer -11
Deve Deeefmleeeb
SCHEDULE - 11
OTHER ASSETS
II GHeefele yeepe
II
Interest Accrued
keewleer
(HeeJeOeeveeW kee efveJeue)
IV uesKeve meeceieer Deewj mecHe
V Deve
V Others
TOTAL (I to V)
pees[ (I mes V)
Devegmeteer -12
Deekeefmceke oseleeSb
SCHEDULE - 12
CONTINGENT LIABILITIES
ieejbefeeb :
ke)
Yeejle ceW
192
354,64,99
3636,82,35
3515,91,88
3374,52,25
1993,11,31
6,53,06
7,07,33
2686,05,41
4353,97,51
9703,93,07
10224,73,02
54,09,58
64,73,47
28,00
28,00
136024,70,55
93031,85,80
14271,45,36
b) Outside India
14181,13,88 28452,59,24
9979,65,84 23745,58,41
18995,94,13
17950,28,63
21101,30,19
17710,07,00
204628,91,69
152502,81,31
Devebefkele omitted)
13765,92,57
2012-13
Devebefkele omitted)
31 ceee&, 2012 kees
(000's
Year Ended
31st Mar, 2013
Devegmeteer-13
Deefpe&le yeepe
SCHEDULE - 13
INTEREST EARNED
II
Interest / Discount on
Advances / Bills
Income on Investments
TOTAL (I to IV)
Devegmeteer -14
Deve Deee
SCHEDULE - 14
OTHER INCOME
II
IV Profit on Exchange
Transactions
Less: Loss on Exchange
IeeSb : efJeefvecee uesve-osve hej neefve
Transactions
V efJeosMeeW/Yeejle ceW Deveg<ebieer FkeeFeeW V Income Earned by way
of Dividends etc. from
kebHeefveeeW Deewj/ee mebege GeceeW mes
Subsidiaries/Companies and/
}eYeebMe Deeefo kes He ceW Deefpe&le Deee
or Joint Ventures abroad/ in
India
VI efJeefJeOe Deee
VI Miscellaneous Income
TOTAL (I to VI)
22369,40,96
7483,38,60
6184,72,95
1443,02,26
837,43,27
403,19,04
282,15,24
35196,65,44
29673,72,42
1257,35,64
1226,08,44
643,15,79
617,28,99
1,23,97
2,03,60
36,48,69
606,67,10
2,57,17
(79,63)
804,06,16
1,55,52
25867,05,54
628,76,73
11,47,74
Year Ended
31st Mar, 2012
1,76,03
81,14
690,77,15
802,50,64
4,66,14
686,11,01
38,32,24
25,57,86
915,94,61
877,07,27
3630,62,49
3422,32,82
193
2012-13
(000's
Devegmeteer-15
Kee& efkeee ieee yeepe
I
II
I
II
Year Ended
31st Mar, 2013
`
`
Year Ended
31st Mar, 2012
`
`
22445,69,11
17770,71,70
461,09,24
974,60,56
631,14,76
954,84,77
23881,38,91
19356,71,23
3449,64,85
523,75,72
2985,57,91
415,73,56
SCHEDULE - 15
INTEREST EXPENDED
I
Interest on Deposits
II
III Others
TOTAL (I to III)
Devebefkele omitted)
SCHEDULE - 16
OPERATING EXPENSES
I
II
56,07,26
38,80,56
61,06,31
58,15,34
Deewj Kee&
Depreciation on Bank's
Property
369,62,71
68,99,00
353,00,90
300,63,71
76,44,38
276,56,52
1,24,84
1,17,59
33,83,02
30,53,23
39,64,82
22,12,49
IX Postages, Telegrams,
Telephones etc.
118,54,21
99,32,85
183,67,75
168,90,38
sueerHeesve Deeefo
X cejccele Deewj jKejKeeJe
XI yeercee
XI Insurance
296,65,20
277,20,30
891,07,53
775,49,41
TOTAL (I to XII)
5946,73,63
5158,71,73
194
2012-13
Devegmeteer-17 : 31 ceee&, 2013 kees meceeHle Je<e& keer GuuesKeveere uesKeebkeve veerefleeeb
Schedule - 17 : Significant accounting policies for the year ended March 31, 2013
1. leweejer kee DeeOeej
1.
efJeeere efJeJejefCeeeb, peye leke efke DeveLee GuuesKe ve nes, HejcHejeiele ueeiele
DeeOeej Hej leweej keer ieF& nQ. es Yeejle ceW meeceeveleee ceeve uesKeekejCe
efmeeble (peerSSheer)kes Devegmeej nQ efpeveceW meebefJeefOeke HeeJeOeeve, efJeefveeeceke/
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMe, Yeejleere meveoer uesKeekeej mebmLeeve
(DeeF&meerSDeeF&) eje peejer uesKee ceeveke/ceeie&oMeea veesdme leLee Yeejle kes yeQefkebie
Geesie ceW Heeefuele keee&HeCeeueer meceeefJe< nw. efJeosMeer keeee&ueeeW kes meboYe& ceW
mebyebefOele osMeeW kes Heeefuele meebefJeefOeke HeeJeOeeveeW Deewj keee&HeCeeueer kee DevegHeeueve
efkeee ieee nw.
USE OF ESTiMATES
3. efveJesMe
3.1
3.2
3.3
JeieeakejCe
yeQke kes mebHetCe& efveJesMe Hees&Heesefueees kee JeieeakejCe Yeejleere efj]peJe& yeQke
kes efveoxMeeW kes DevegHe efvecveevegmeej efkeee ieee nw, efpemeceW
(ke) HeefjHekeJelee leke Oeeefjle ceW Jes efveJesMe Meeefceue nbw efpevnW HeefjHekeJelee
leke jKeves kes GsMe mes HeeHle efkeee ieee nw.
(Ke) JeeHeej nsleg Oeeefjle ceW Jes efveJesMe Meeefceue nQ, efpevnW JeeHeej kes
GsMe mes HeeHle efkeee ieee nw.
(ie) efyeeer nsleg GHeueyOe ceW Jes efveJesMe Meeefceue nQ, pees GHejeskele (ke)
leLee (Ke) ceW Meeefceue veneR nbw, DeLee&le pees ve lees JeeHeej kes GsMe
mes HeeHle efkeS ieS nQ Deewj ve ner HeefjHekeJelee leke jKeves kes GsMe
mes HeeHle efkeS ieS nQ.
DeefOeenCe ueeiele
efveJesMe keer DeefYeenCe ueeiele ceW eeslmeenve, eejbefYeke Meguke SJeb
keceerMeve jeefMe meefcceefuele nw.
cetueebkeve kee DeeOeej
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW kees Yeeefjle
Deewmele DeefOeenCe ueeiele Hej efueee ieee nw, yeMelex Jen Debefkele cetue
mes DeefOeke nes, Fme efmLeefle ceW Heerefceece kees HeefjHekeJelee keer Mes<e DeJeefOe
leke HeefjMeesefOele efkeee ieee nw.
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW ceW ef[yeWej/yeeb[, efpevnW
mJeHe/Heke=efle keer ef< mes Deefiece ceevee peelee nw, Meeefceue nw (efpevekes efueS
Deeefmle JeieeakejCe mebyebOeer Yeejleere efjp] eJe& yeQke kes efJeJeskeHetCe& ceeveob[ leLee
DeefieceeW Hej ueeiet HeeJeOeeve kes Devegmeej eeJeOeeve efkeS peeles nQ)
#es$eere ieeceerCe yeQkeeW, ^s]pejer efyeue, keceefMe&eue HesHeme&, Fbefoje efJekeeme-He$e,
efkemeeve efJekeeme He$e Deewj pecee HeceeCe-He$e Hej efkeS ieS efveJesMe Meeefceue
nQ Deewj efpevekes cetue kee efveOee&jCe jKeeJe ueeiele Hej efkeee ieee nw.
BASiS OF PREPARATiOn
3.1 Classification
The Investment portfolio of the Bank is classified,
in accordance with the Reserve Bank of India
guidelines, into:
a
b
c
195
2012-13
mebegkele GeceeW leLee Deveg<ebefieeeW ceW (Yeejle leLee efJeosMe oesveeW ceW), DemLeeeer
Hekeej kes efveJesMeeW kees es[kej efveJesMeeW kee cetueebkeve, eme cetue kees
Ieekej DeefOeienCe ueeiele Hej efkeee peelee nw.
JeermeerSHe FkeeFeeW ceW efoveebke 23.08.2006 kes yeeo efkeS ieS yeQke
efveJesMeeW kees eejbefYeke leerve Je<e& keer DeJeefOe kes efueS heefjhekeJelee leke
Oeeefjle mebJeie& ceW Jeieeake=le efkeee peelee nw Deewj ueeiele hej cetueebefkele
efkeee peelee nw. mebefJelejCe kes leerve Je<e& heMeele Fmes efyeeer kes efueS
GheueyOe ceW Debleefjle kej efoee peelee nw Deewj Yeejleere efj]peJe& yeQke kes
efoMee-efveoxMeeW kes Devegmeej yeepeej kes he ceW efeefvnle efkeee peelee nw.
JeeHeej kes efueS Oeeefjle SJeb efyeeer kes efueS GHeueyOe kes He
ceW Jeieeake=le efveJesMe, efmeHeJeej yeepeej kes he ceW efeefvnle efkees
peeles nQ Deewj legueve he$e ceW Ieesef<ele HeefjCeeceer Meg cetueeme eefo
keesF& nes, kees ueeYe neefve Keeles kes efnmeeye ceW efueee peelee nw,
peyeefke eefo keesF& cetue Je=ef nes lees Gmes es[ efoee peelee nw.
eeLeefceke [eruej kes he ceW yeQke eje Jeeheej kes efueS Oeeefjle mebJeie&
kes Devleie&le ^spejer efyeueeW ceW efveJesMe kee cetueebkeve cetueeW kes Devegmeej
efleceener DeeOeej hej efkeee peelee nw.
JeeHeej kes efueS Oeeefjle leLee efyeeer kes efueS GHeueyOe esCeer kes
efveJesMeeW kes cetueebkeve kes efueS, yee]peej me@ke SkemeeWpe ceW G=le
ojW, HeeFcejer [erueme& SmeesefmeSMeve Dee@He] Fbef[ee (Heer[erSDeeF&)/efHekem[
Fvkece ceveer ceekex Sb[ [sefjJe@efJme SmeesefmeSMeve (SHeDeeF&SceSce[erS)/
Hee@jsve SkemeeWpe [erueme& SmeesefmeSMeve Dee@]He Fbef[ee (SHeF[erSDeeF&)
eje Ieesef<ele ojeW kee GHeeesie efkeee ieee nw.
efpeve efveJesMeeW kes efueS Ssmeer ojW/G=le ojW GHeueyOe veneR nQ, Gvekee cetueve
Yeejleere efj]peJe& yeQke kes efveOee&efjle ceeveob[eW kes Devegmeej efkeee ieee nw,
pees efvecveevegmeej nQ :
ke) mejkeejer/Devegceesefole - HeefjHekeJelee HeefleHeue kes DeeOeej Hej
HeefleYetefleeeb
3.4
196
d PSU Bonds
e Units of Mutual
Funds
f Venture Capital
e) Gece Hetbpeer
efveheeve leejerKe DeeOeej hej efkeS ieS efveJesMe kes efueS yeQke Skehe
uesKeebkeve heefle Deheveelee nw.
3.6 efJeosMeer MeeKeeDeeW kes mebyebOe ceW, Yeejleere efj]peJe& yeQke DeLeJee Gme osMe
kes efoMee-efveoxMeeW kees, pees Yeer peeoe meKle neW, kee Heeueve efkeee ieee
nw. efJeosMeeW ceW efmLele Gve MeeKeeDeeW kes ceeceues ceW peneb Hej efoMee-efveoxMe
efJeefveefo&< veneR nQ, Jeneb Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kee Heeueve
efkeee peelee nw.
3.7 Fve esefCeeeW kes yeere HeefleYetefleeeW kes DeblejCe keer ieCevee, DeblejCe keer
leejerKe kees Gmekeer DeefOeienCe ueeiele/yener cetue/yeepeej cetue ceW mes pees
Yeer kece nes, Hej keer peeleer nw Deewj Ssmes DeblejCe kes HeuemJeHe DeeS
cetueeme, eefo keesF& nw, kes efueS HeeJeOeeve efkeee peelee nw.
3.8 iewj-efve<Heeefole HeefleYetefleeeW kes mebyebOe ceW Deee kees ceevelee veneR oer ieF&
nw Deewj Fve HeefleYetefleeeW kes cetue ceW cetueeme kes efueS Yeejleere efj]peJe&
yeQke kes efoMee efveoxMeevegmeej GHeegkele HeeJeOeeve efkeee ieee nw.
3.9 Hegve:Kejero/HeleeJeefle&le Hegve: Kejero
yeQke ves Hegve: Kejero leLee HeleeJeefle&le Hegve: Kejero uesveosveeW kees uesKeebefkele
kejves nsleg Yeejleere efj]peJe& yeQke eje yeleeF& ieF& Ske meceeve uesKee HeCeeueer
kees DeHeveeee nw. (Yeejleere efj]peJe& yeQke kes meeLe eueefveefOe meceeeespeve
megefJeOee (SueSSHe) kes Debleie&le ngS uesveosveeW kees es[kej). hegve: Kejero
SJeb eleeJeefle&le hegve: Kejero mebJeJenejeW kees mebheeefMJe&ke GOeej/$e+Ceoeve
kes Debleie&le ceevee peelee nw efpemeceW mencele MeleeX hej hegve:Kejero kee
kejej efkeee peelee nw. hegve: Kejero kes Devleie&le efyeeer keer eefleYetefleeeW
kees efveJesMe kes Devleie&le oMee&ee peelee nw Deewj eleeJeefle&le hegve: Kejero
eefleYetefleeeW kees efveJesMe ceW Meeefceue veneR efkeee peelee. ueeiele SJeb jepemJe
kees $e+Ce yeepe Jee/Deee kees eLeeefmLeefle uesKeeke=le efkeee peelee nw.
Yeejleere efjpeJe& yeQke kes heeme eueefveefOe meceeeespeve megefJeOee kes Debleie&le
Kejeroer/yeseer ieF& eefleYetefleeeb efveJesMe Keeles ceW veeces/pecee keer peeleer nQ Deewj
mebJeJenej keer heefjhekeJelee hej eleeJeefle&le keer peeleer nQ. Kee& efkees yeepe/
Gme hej Deefpe&le Deee kees Jee/jepemJe kes he ceW efnmeeye ceW efueee peelee nw.
3.10 [sefjJesefJme
yeQke Jele&ceeve ceW yeepe ojeW leLee cege [sefjJesefJme ceW [erue kejlee nw.
yeQke eje JeJeneefjle yeepe oj [sefjJesefJme ceW Heee yeepe oj mJewHe,
efJeosMeer cege yeepe-oj mJesHe leLee HeejJe[& js SieerceWdme Meeefceue nQ.
yeQke eje JeJenej ceW ueees peeves Jeeues cege [sefjJesefJme ceW Dee@HMeve leLee
cege mJesHme nQ.
Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DeeOeej Hej, [sefjJesefJme kee
cetueebkeve efvecveevegmeej efkeee peelee nw :
JeJemLee yeeeJe/iewj JeJemLee yeeeJe (ceekex cesefkebie) mebJeJenej
Deueie-Deueie efjkee[& efkees peeles nQ. JeJemLee yeeeJe [sefjJesefJme Gheee
DeeOeej Hej uesKeebefkele efkees peeles nQ. ^sef[bie [sefjJesefJe HeesefpeMevme
ceeke&d[ t ceekex (SceerSce) nQ leLee efkemeer Yeer Hekeej keer neefve, eefo
keesF& nes ueeYe-neefve Keeles ceW ope& keer peeleer nw. ueeYe, eefo keesF& nes,
kees ope& veneR efkeee peelee. yeepe oj mJewHe mes mebyebefOele Deee leLee
Jee mecePeewlee efleefLe kees ope& neslee nw. ^sef[bie mJewHme keer meceeefHle Hej
ueeYe/neefve meceeefHle efleefLe Hej Deee/Jee kes He ceW ope& keer peeleer nw.
2012-13
197
2012-13
cetueebkeve kes efueS, kegue mJewhe kes JeemleefJeke cetue keer ieCevee legueveHe$e keer efleefLe kees mJewHe kejejeW kes keejesyeej meceeefHle Hej HeeHe ee
ose jeefMe kes DeeOeej hej keer peeleer nw, mebyebefOele neefveeeW, eefo neW,
kes efueS HetCe&le: HeeJeOeeve efkeee ieee nw, peyeefke ueeYeeW kees es[ efoee
ieee nw.
legueve he$e keer efleefLe kees Hes[eF& eje DeefOemetef ele efJeefvecee oj kes yebo
YeeJe hej efJeosMeer cege ceW [sejf Jesef Je mebeJf eoeDeeW kees Deekeefmceke oseleeDeeW kes
Devle&iele Jeieeake=le efkeee peelee nw.
4. Deefiece
4.1
4.2
Deefiece, efJeefveefo& $e+CeeW Hej neefve kes HeeJeOeeveeW, Geble yeepe, Jeeoemle
efJeefJeOe pecee SJeb eehle oeJee jeefMe kee efveJeue nw.
4.3
Hegveefve&Oeeefjle/Hegveie&ef"le KeeleeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes efoMee
efveoxMeeW kes Devegmeej hegveie&ef"le DeefeceeW kes Gefele cetue ceW keceer kes efueS
eeJeOeeve efJeeceeve cetue MeleeX hej Deekeueve kejles ngS efkeee peelee nw.
4.4
5.1
5.2
7.2
198
Deee kees GHeee DeeOeej Hej peye leke efke DeveLee GefuueefKele ve nes, uesKeebekf ele
efkeee ieee nw. efJeosMeer keeee&ueeeW kes ceeceues ceW Deee / Jee keer ieCevee Gme
osMe kes keevetve kes Devegmeej keer ieF& nw, peneb Hej efJeosMeer keeee&uee efmLele nw.
mejkeejer keejesyeej, ieejbefeeW, meeKe he$eeW, efJeefvecee, oueeueer Deeefo hej
keceerMeve, Deefece efyeueeW hej yeepe leLee kej efjheb[ hej Deefpe&le yeepe
kees es[kej Meguke, keceerMeve kes ceeOece mes Deee kees Jemetueer DeeOeej hej
efnmeeye ceW efueee peelee nw. Deveg<ebefieeeW, mebegkele GHeeceeW leLee meneesieer
ADVAnCES
4.1 Advances in India are classified as Standard, Substandard, Doubtful or Loss assets and provision for
advances are made as per the Prudential Norms of
the RBI. In respect of Advances made in overseas
branches, Advances are classified in accordance
with Prudential Norms prescribed by the RBI or local
laws of the host country in which advances are made,
whichever is more stringent.
4.2 Advances are net of specific loan loss provisions,
interest suspense, amount received and held in suitfiled Sundry Deposits and Claims Received.
4.3 In respect of Rescheduled / Restructured accounts,
Provision for dimunition in fair value of restructured
advances is measured in net present value terms as
per RBI guidelines.
5. Deeue Deeefmleeeb
7.1
FiXED ASSETS
5.1 Premises and other Fixed Assets are stated at
historical cost except revalued premises which are
stated at revalued amount. The appreciation on
revaluation is credited to Capital Reserve and the
depreciation provided thereon is deducted therefrom.
5.2 Premises include land and building under construction.
REVEnUE RECOGniTiOn
7.1 Income (other than item referred in Paragraph 7.2)/
expenditure is generally recognised on accrual basis.
In case of foreign offices, income/ expenditure is
recognised as per the local laws of the country in which
the respective foreign office is located.
7.2 Income by way of Fees, Commission other than on
Government business, Commission on Guarantees,
Letter of Credits, Exchange, Brokerage and Interest on
Advance Bills are accounted for on realisation basis.
7.3
7.4
8.1
8.2
8.3
8.4
8.5
kebheefveeeW kes MesejeW Hej ef[efJe[W[ JeemleefJeke HeeefHle kes DeeOeej Hej efnmeeye
ceW efueS peeles nQ.
iewj efve<Heeefole DeeefmleeeW / eqveJesMeeW hej Deee kes mebien keer Deefveefelelee
keer ef< mes, Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DevegHe Ssmeer
Deee efmeHe& Jemetue nesves Hej ner uesKeebefkele nesleer nw.
Yeejleere meveoer uesKeekeej mebmLeeve eje peejer uesKee ceeveke 19 (hes)
kes Devegmeej ueerpe Mele& hej ueerpe YegieleeveeW kees, efpemeceW heefjeeueve ueerpe
hej ueer ieF& DeeefmleeeW keer ueeiele Je=ef Meeefceue nw, ueeYe/neefve Keeles ceW
eYeeefjle efkeee peelee nw.
2012-13
EMPLOYEE BEnEFiTS
8.1 PROVIDENT FUND
Provident fund is a statutory obligation as per Bank of
Baroda PF Rules as the Bank pays fixed contribution
at pre-determined rates.The obligation of the Bank is
limited to such fixed contribution. The contributions
are charged to Profit and Loss Account. The fund is
managed by Bank of Baroda Provident Fund Trust.
8.2 GRATUITY
Gratuity liability is a statutory obligation as per Bank
of Baroda Gratuity Fund Rules and Regulations and
is provided for on the basis of an actuarial valuation
made at the end of the financial year. The gratuity
liability is funded by the bank and is managed by
Bank of Baroda Gratuity Fund Trust.
8.3 PENSION
8.3.1 Pension liability is a defined benefit obligation
under Bank of Baroda Employees Pension
Regulations 1995 and is provided for on the
basis of actuarial valuation made at the end of
the financial year, for the employees who have
joined Bank up to 31.03.2010 and opted for
pension. The pension liability is funded by Bank
of Baroda (Employees) Pension Fund Trust.
8.3.2 New Pension Scheme which is applicable
to employees who joined bank on or after
01.04.2010 is a defined contribution scheme,
Bank pays fixed contribution at predetermined
rate and the obligation of the Bank is limited
to such fixed contribution. The contribution is
charged to Profit and Loss Account.
8.4 COMPENSATED ABSENCES
Accumulating compensated absences such as
Privilege Leave and Sick Leave are provided for
based on actuarial valuation.
8.5 OTHER EMPLOYEE BENEFITS
Other Employee benefits such as Leave Encashment,
Leave Fare Concession and Additional Retirement
Benefit on Retirement are provided for based on
actuarial valuation.
In respect of overseas branches and offices, the
benefits in respect of employees other than those
on deputation are valued and accounted for as per
laws prevailing in the respective territories.
199
2012-13
9. cetueeme
DEPRECiATiOn
9.1
Yeejle ceW Deeue DeeefmleeeW kes efueS hegvecetu& eebekf ele DeeefmleeeW kees es[ kej
(efvecve JeefCe&le Devegso 9.3 Je 9.4 kes DeueeJee) kebheveer DeefOeefveece,
1956 keer Devegmeteer XIV ceW GefuueefKele cetueeefmele cetue heefle kes
Devegmeej eeJeOeeve efkeee peelee nw. FmeceW hegvece&tueebefkele DeeefmleeeW
keer Devegceeefvele Gheeesie DeJeefOe kes DeeOeej hej DeefOeke cetueeme kee
eeJeOeeve efkeee peelee nw.
9.1
9.2
Yeejle mes yeenj Deeue DeeefmleeeW Hej, (veeres Devegso 9.3 ceW JeefCe&le
kees es[kej) cetueeme mLeeveere keevetveeW ee mebyebefOele osMe ceW Heeefuele
eefeee kes Devegmeej efkeee peelee nw.
9.2
9.3
Yeejle Deewj Yeejle kes yeenj kebHetjeW Hej cetueeme Yeejleere efj]peJe&
yeQke kes efoMee-efveoxMeeW kes Devegmeej m^s ueeFve efJeefOe mes 33.33% keer
oj mes Heoeve efkeee ieee nw. kebHetj mee@HeJesej, pees efke ne[&Jesej
kee DeefveJeee& Debie veneR nw, kee hetCe& cetueeme Kejero Je<e& kes oewjeve ner
kej efoee peelee nw.
9.3
9.4
SerSce Hej cetueeme kee eeJeOeeve m^s ueeFve Heefle mes 20% eefleJe<e&
keer oj mes efkeee peelee nw.
9.5
HeefjJe&veeW Hej cetueeme kee mebHetCe& Je<e& kes efueS HeeJeOeeve efkeee ieee
nw peyeefke efyeeer/efveHeeve kes Je<e& ceW cetueeme kee keesF& HeeJeOeeve veneR
efkeee peelee nw.
9.6
Hes Hej Oeeefjle peceerve Deewj hes hej Oeeefjle peceerve hej efkeS ieS efJekeeme
keer ueeiele Hee DeJeefOe ceW egkelee (Sceese&F&pe) keer peeleer nw.
iMPAiRMEnT OF ASSETS
Impairment losses (if any) on Fixed Assets (including
revalued assets) are recognised in accordance with AS 28
(Impairment of Assets) issued by the ICAI and charged off
to Profit and Loss Account.
11
11.1 efJeosMeer cege efJeefvecee mes mebyebefOele mebJeJenejeW kee uesKeebkeve (efJeosMeer
cege efJeefvecee ojeW kes HeefjJele&ve kee HeYeeJe) mebyebefOele Yeejleere meveoer
uesKeekeej mebmLeeve eje peejer uesKeeceeveke SSme 11 kes DevegHe efkeee
ieee nw.
11.2 uesKee ceeveke - SSme-11 kes Devegmeej yeQke kes efJeosMeer cege HeefjeeueveeW
kees efvecveefueefKele He ceW Jeieeake=le efkeee ieee nQ.
ke) Skeerke=le HeefjeeueveeW SJeb
Ke) He=Leke HeefjeeueveeW kes He ceW Jeieeake=le efkeee ieee nw. meYeer efJeosMeer
MeeKeeDeeW, Dee@HeMeesj yeQekf ebie FkeeFeeW, efJeosMeer Deveg<ebeif eeeW kees He=Leke
Heefjeeueve SJeb efJeosMeer cege ceW Iejsuet heefjeeueveeW SJeb Heelf eefveefOe
keeee&ueeeW kees Skeerke=le Heefjeeueve kes He ceW ceevee peelee nw.
11.3 Skeerke=le HeefjeeueveeW kes mebyebOe ceW DeblejCe :
(ke) mebJeJenejeW kees HeeLeefceke leewj Hej Hes[eF& eje metefele keer ieF&
meeHleeefnke Deewmele ojeW Hej efjkee[& efkeee peelee nw.
(Ke) efJeosMeer cege efJeefvecee mes mebyebeOf ele Deeefmle SJeb oseleeDeeW (Deekeefmceke
oseleeDeeW meefnle) kees Hes[eF& eje Heleske efleceener kes Deble ceW
metefele keer ieF& keueesefpebie mHee@ ojeW Hej Debleefjle efkeee peelee nw.
200
2012-13
(ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Deee DeLeJee Jee kes He ceW
keer ieF& nw leLee FvnW leovegmeej ueeYe neefve Keeles ceW uesKeebefkele efkeee
ieee nw. efJeosMeer cege Deeefmle oseleeDeeW mebyebOeer efkemeer Yeer Yegieleeve
DeLeJee efjJeme&ue kees efheues meHleen keer Deewmele keueesefpebie ojeW kes
DeeOeej Hej efkeee ieee nw leLee yekeeee jeefMe SJeb Gme jeefMe, efpemekes
efueS Yegieleeve efkeee ieee nw/efjJeme&ue efkeee ieee nw, kes yeere kes
Deblej kees ueeYe neefve Keeles ceW oMee&ee ieee nw.
(Ie) Jeeheej nsleg Oeeefjle yekeeee efJeosMeer cege neefp] ej SJeb Jeeeoe mebeJf eoeDeeW
kes legueve he$e keer efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej
SJeb Jeeeoe yeepeej mebefJeoe ojeW SJeb Devleefjce heefjhekeJelee mebefJeoeDeeW
kees Fvjheesues ojeW hej hegve&cetueebefkele efkeee peelee nw. Fmekes
HeuemJehe Jeeeoe cetueebkeve ueeYe DeLeJee neefve kees ueeYe-neefve
Keeles ceW Meeefceue efkeee peelee nw~
(ke) DeeefmleeeW SJeb oseleeDeeW kees Hes[eF& eje Heleske efleceener kes Deble
ceW DeefOemetefele keer ieF& keueesefpebie mHee ojeW Hej Debleefjle efkeee
ieee nw.
(Ke) leguevehe$e keer efleefLe kees efJeosMeer cege neefpej SJeb Jeeeoe Deekeefmceke
oseleeDeeW kees Hes[eF& eje DeefOemetefele yebo neefpej Je Jeeeoe
ojeW SJeb Devleefjle heefjhekeJelee mebefJeoeDeeW kees Fvjheesues[ ojeW
hej Debleefjle efkeee peelee nw.
(ie) Deeceoveer SJeb KeeeX kees Hes[eF& eje Heleske efleceener kes Deble ceW
DeefOemetef ele keer ieF& Deewmele efleceener ojeW Hej Debleefjle efkeee ieee nw.
(Ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Gme DeJeefOe kes efueS Deee
DeLeJee Jee kes He ceW veneR keer peeleer nw leLee Fmes mecye efJeosMeer
MeeKeeDeeW ceW Meg efveJesMeeW kes efvemleejCe nesves leke Deueie mes Ske
Keeles efJeosMeer cege DeblejCe efveefOe ceW jKee peelee nw.
TAXES On inCOME
This comprise of provision for Income tax and deferred
tax charge or credit (reflecting the tax effects of timing
differences between accounting income and taxable
income for the period) as determined in accordance with
AS 22 (Accounting for taxes on Income) issued by ICAI.
Deferred tax is recognised subject to consideration of
prudence in respect of items of income and expenses those
arise at one point of time and are capable of reversal in
one or more subsequent periods. Deferred tax assets and
liabilities are measured using enacted tax rates expected
201
2012-13
efjJeme&ue DeLeJee efvemleejCe keer mebYeeJevee nesleer nw. DeemLeefiele kej oseleeDeeW
SJeb DeeefmleeeW Hej kej keer ojeW ceW HeefjJele&ve kes HeYeeJe kees Gme DeJeefOe keer Deee
efJeJejCeer, efpemeceW Ssmes HeefjJele&ve kees DeefOeefveeefcele efkeee ieee nes, ceW efnmeeye
ceW efueee peelee nw.
13
yeQke, DeeIeejYetle SJeb [eFuet[s Heelf e FefkeJeer Mesej Depe&ve kees Yeejleere meveoer
uesKeekeej mebmLeeve eje Fme mebyebOe ceW peejer uesKee ceeveke 20 (eefle Mesej Deee)
kes Devegmeej efjHees& kejlee nw. DeeIeejYetle Heelf e Mesej Depe&ve keer ieCevee Meg Deee
kees Gme DeJeefOe kes efueS yekeeee Yeeefjle Deewmele FefkeJeer MesejeW keer mebKee mes
efJeYeeefpele kej keer ieF& nw. [eFuet[s Heelf e Mesej Depe&ve keer ieCevee Meg Deee
kees Gme DeJeefOe kes efueS yekeeee Yeeefjle Deewmele FefkeJeer MesejeW SJeb Gme DeJeefOe kes
oewjeve [eFuetef Je mecYeeJe FefkeJeer MesejeW keer mebKee kes DeeOeej hej keer ieF& nw.
202
14
PROViSiOnS, COnTinGEnT
COnTinGEnT ASSETS
LiABiLiTiES
AnD
2012-13
A.
ke-1.
hetbpeer
A-1.
Capital
efJeJejCe
Particulars
efheuee Je<e&
Previous Year
i) CRAR % Basel-II
13.30 %
14.67 %
10.13 %
10.83 %
3.17 %
3.84 %
55.41 %
54.31 %
i)
eehle jeefMe
2.
eeuet Je<e&
Current Year
A-2.
efveJesMe
Particulars
efJeJejCe
(1) efveJesMeeW kee cetue
(i)
(ii)
Investments
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
1,17,537.50
79,818.80
4,775.37
4,094.49
(a) In India
(a) In India
777.92
553.80
141.22
150.08
1,16,759.58
79,265.00
4,634.15
3,944.41
703.88
480.17
314.48
343.55
99.22
119.84
919.14
703.88
(a) In India
eejefcYeke Mes<e
(ii)
203
2012-13
Particulars
efJeJejCe
Outstanding
Minimum
Maximum
Daily Average
as on
outstanding
outstanding
outstanding
during the year during the year during the year 31st March 2013
i. Government securities
i. Government securities
339.68
7,970.68
110.17
0.00
548.00
841.00
0.00
570.00
215.00
22,917.55
2,507.23
7,875.00
0.00
0.00
0.00
0.00
meb.
No.
peejerkelee&
(1)
(i)
heerSmeet
(ii) SHeDeeF&
(iii) yeQke
(iv) efvepeer efveiece
(v) Deveg<ebefieeeb /
mebegkele Gece
(vi) Deve
(vii) cetueeme nsleg
Oeeefjle eeJeOeeve
kegue
ii)
jeefMe
Issuer
Amount
efvepeer huesmeceW
keer meercee
Extent of
Private
Placement
Devejss[
eefleYetefleeeW
keer meercee
Demeteerye
eefleYetefleeeW
keer meercee
(2)
PSUs
(3)
1,230.08
(4)
354.61
Extent of Below
Investment
Grade Securities
(5)
0.00
FIs
1,010.03
936.08
71.14
Banks
7,957.23
1,159.51
374.82
41.39
48.15
Private Corporate
2,419.54
1,010.14
738.40
341.07
104.82
Subsidiaries/ Joint
Ventures
1,569.54
1,569.54
0.00
0.00
0.00
Others
5,916.67
522.38
980.32
54.29
54.29
-919.14
0.00
0.00
0.00
0.00
19,183.95
5,552.26
2,164.68
436.75
391.76
ii)
Extent of
Unrated
Securities
(6)
0.00
Extent of
Unlisted
Securities
(7)
113.36
0.00
71.14
efJeJejCe
Particulars
eejbefYeke Mes<e
Opening balance
eeuet Je<e&
efheuee Je<e&
Current year
Previous year
339.55
250.70
93.39
77.79
27.69
-11.06
Debeflece Mes<e
Closing balance
405.25
339.55
303.57
290.98
204
HeefjJe&ve
Addition
Closing Bal. of
Investment
(HTM) 31.03.13
ke-2.4.
Je<e& kes heejbYe ceW SeerSce esCeer ceW jKes ieS efveJesMeeW kes yener-cetue kes
5% mes Deefleefje kes SeerSce ceW jKes ieS efveJesMeeW keer efyeeer
SmeSueDeej efveJesMe
Particulars
efJeJejCe
2012-13
eeuet Je<e&
yener cetue
ceekex cetue
efheuee Je<e&
yener cetue
ceekex cetue
Current Year
Previous Year
mejkeejer eefleYetefleeeb
SmeSueDeej (meerpeer, Smepeer Je eryeer)*
Approved sec-SLR
meceeHle Je<e&
ke-2.6
ke-2.6.1
2013
2012
efJeJejCe
69,207.34
69,207.34
133.23
133.23
163.26
163.26
jeefMe
efHHeCeer
Amount
A-2.6
[sjerJesefJme
HeejJe[& oj mecePeewles / yeepe oj mJewhe
1,02,076.7
Year ended
1,02,076.7
Remarks
-
Derivatives
eeuet Je<e&
efheuee Je<e&
Current year
Previous year
21,009.52
17,477.59
i)
ii)
258.52
179.62
iii)
979.59
977.85
v)
692.50
732.07
205
2012-13
meb. e.
Sr. No.
(i)
efJeJejCe
Particulars
jeefMe
Amount
Je<e& kes oewjeve SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme keer Notional principal amount of exchange
traded interest rate derivatives undertaken
veesMeveue eEheefmeheue jeefMe (efueKeleJeej)
during the year (instrument-wise)
A. yeepe oj Heetej (DeeF&DeejSHe)
(ii)
(iii)
(iv)
yeQke keer ^spejer veerefle ceW [sjerJesefJme uesve osveeW kes keee& kes efueS meYeer Hekeej keer
efJeeere [sjerJesefJme efueKeleeW kes Hekeej, efJemleej SJeb GHeeesie, Devegceesove Heefeee leLee
DeesHeve HeespeerMeve efueefce, meHe uee@me efueefce leLee keeGvj Heeea SkemeHeespej efueefce
pewmeer meerceeSb efveOee&efjle keer ieF& nQ.
The Treasury Policy of the bank lays down the types of financial
derivative instruments, scope of usages, approval procedures
and the limits like open position limits, stop loss limits and
counter party exposure limits for undertaking derivative
transactions.
yeQke Deheves legueve he$e ceW oMee&S ieS DeLeJee oMee&S ve ieS peesefKeceeW keer nseEpeie kes
efueS leLee yee]peej DeeOeej leweej kejves kes efueS efJeeere [sjerJesefJme uesve osveeW kee
Gheeesie kejlee nw, cetuele: es Glheeo, peesefKece kes heefle yeeeJe JeJemLee, ueeiele kece
kejves leLee Ssmes uesve osveeW ceW heefleHeue ye{eves kes SJeb heeshejeFjer ^seE[ie kes efueS
Gheeesie ceW ueeS peeles nQ.
yeQke kees efpeve peesefKeceeW kee Keleje jnlee nw, Jes nQ : $e+Ce peesefKece, yeepeej peeseKf ece,
osMeere peesefKece Deewj Heefjeeueve peesefKece. yeQke keer cetue peesefKece, peesefKece HeyebOeve
veerefleeeb (yeQke kes efveosMeke ceb[ue eje Devegceesefole) nQ, pees SceerSce, (JeerSDeej)
leLee HeerJeer01 kes ceeOece mes efveeefcele DeeOeej hej Jeeheej yener ceW uesve osveeW keer
efJeeere peesefKeceeW kes Deekeueve leLee Gefele peesefKece meerceeSb lee kejves kes efueS
leweej keer ieF& nQ. Fvekees yeQke kes peesefKece HeyebOeve efJeYeeie eje mecee-mecee Hej
efJeMJemeveere SJeb Deeleve HeyebOeve metevee HeCeeefueeeW eje cee@veerj efkeee peelee nw
leLee Fme yeejs ceW yeQke kes DeOe#e SJeb HeyebOe efveosMeke keer DeOe#elee Jeeueer efveosMekeeW
keer peesefKece HeyebOeve meefceefle kees DeJeiele kejeee peelee nw.
The types of risk to which the bank is exposed to are credit risk,
market risk, country risk and operational risk, The Bank has
risk management policies (approved by Board of Directors of
the Bank), which is designed to measure the financial risks for
transactions in the trading book on a regular basis, by way of
MTM, VaR and PV01, and to set appropriate risk limits. These
are monitored by means of reliable and up to date Management
Information Systems by the Risk Management Department
of the Bank from time to time who, in turn, appraises the risk
profile to the Risk management Committee of Directors, which is
presided over by the Banks Chairman and Managing Director.
uesveosveeW keer keeGbj Heeef&eeb, yeQke leLee keeHeexjs Heefle<"eve nQ. Devegceesefole
SkemeHeespej meerceeDeeW kes Debleie&le JeJenej efkeS peeles nQ. [sjerJesefJme GlHeeoeW
Hej $e+Ce peesefKece Deekeefuele kejves kes efueS yeQke ves Yeejleere efj]peJe& yeQke eje
efveOee&efjle ceewpetoe SkemeHeespej Heefle kees DeHeveeee nw, efpemekes Devegmeej yeQke
kegue HeeflemLeeHeve ueeiele kee eesie, (meYeer mebefJeoeDeeW kees mekeejelceke cetue
meefnle ceeke&-g-ceekex eje HeeHle kejves DeLee&led peye yeQke kees keeGbj Heeea mes
206
DeJeefMe heefjhekeJelee
Residual Maturity
2012-13
yeepe oj mebefJeoe
efJeefvecee oj mebefJeoe
0.50%
2.00%
1.00%
10.00%
3.00%
15.00%
nspe leLee iewj-nspe (ceekex cesefkebie) uesve osveeW kees Deueie mes ope& efkeee peelee nw.
nwefpebie [sefjJesefJme Gheee DeeOeej Hej efnmeeye ceW efueS peeles nQ. ^sef[bie [sefjJesefJme
HeesefpeMeve (SceerSce) kees ceeke& keer peeleer nw Deewj HeefjCeecemJeHe ueeYe-neefve Keeles
ceW eefo keesF& neefve nes, efnmeeye ceW ueer peeleer nw. ueeYe, eefo keesF& nes, veneR ceevee
peelee nw. yeepe oj mJewHme mes mebyebefOele yeepe Deewj Jee efveHeeve keer leejerKe Hej
efnmeeye ceW efueS peeles nQ. ^sef[bie mJewHe kes meceeHle nesves Hej ueeYe /neefve meceeefHle keer
leejerKe Hej Deee /Jee kes he ceW ope& efkeS peeles nQ.
(ii) cee$eelceke HekeerkejCe
meb. e. efJeJejCe
Particulars
Sr. No.
kejWmeer [sefjJesefJme
yeepe oj [sefjJesefJme
Currency
Derivatives
Interest rate
Derivatives
872.87
20,158.65
a) For hedging
850.87
8,850.52
b) For trading
22.00
11,308.13
66.53
626.03
a)
Asset (+)
76.11
682.88
b)
Liability (-)
-9.58
-56.85
(iii)
Credit Exposure
127.99
946.54
(iv)
0.21
407.56
a)
On hedging derivatives
0.18
222.21
b)
On trading derivatives
0.03
185.35
a) On hedging
b) On trading
(i)
(ii)
(v)
As per RBI guidelines on CDS dated 23rd May, 2011 the Banks
are required to value their CDS contracts by using daily CDS
curve published by FIMMDA or any other proprietary model
if it results in a more conservative valuation. Our Bank uses
the FIMMDA curve for valuing our CDS positions, Bank does
not use any internal proprietary model for CDS valuation.
207
2012-13
A-2.7
Deeefmle iegCeJeee
Asset Quality
A. Movement of NPAs
eeuet Je<e&
4,464.75
3,152.50
6,843.80
3,443.31
Sub-Total (A)
11,308.55
6,595.81
IeeSb :
Less : 340.93
335.55
625.57
580.46
(i)
Up-gradations
(i)
Dehees[sMeve
(ii)
(iii)
(iii) Write-offs
2,359.47
1,215.05
Sub-total (B)
3,325.97
2,131.06
7,982.58
4,464.75
B)
Non-Performing Assets
( ` kejes[ ceW / ` in Crores)
efJeJejCe
Particulars
(i)
(ii)
(ke)
eejbefYeke Mes<e
(a)
(Ke)
(ie)
(Ie)
(iii)
(iv)
208
Previous Year
31 ceee&, 2013 kes mekeue SveheerS Gross NPAs as on 31st March 2013 (closing
balance) (A-B)
(Debeflece Mes<e) (ke-Ke)
Ke)
efheuee Je<e&
Current Year
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
1.28
0.54
Opening balance
4,464.75
3,152.50
(b)
6,843.80
3,443.31
(c)
3,325.97
2,131.06
Debeflece Mes<e
(d)
Closing balance
7,982.58
4,464.75
(ke)
eejbefYeke Mes<e
(a)
Opening balance
1,543.64
790.88
(Ke)
(b)
3,854.28
1,988.72
(ie)
(c)
1,205.89
1,235.96
(Ie)
Debeflece Mes<e
(d)
Closing balance
4,192.03
1,543.64
(ke)
eejbefYeke Mes<e
(a)
Opening balance
2,921.11
2,361.62
(Ke)
(b)
2,989.52
1,836.42
(ie)
(c)
Write-off/ write-back of
excess provisions
2,120.08
1,276.93
(Ie)
Debeflece Mes<e
(d)
Closing balance
3,790.55
2,921.11
C)
#es$eJeej SveheerS
eceebke #es$e
2012-13
Sector-wise NPAs
Sector
Sl.
No.
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
4.91
3.99
3.31
1.12
mesJeeSb
Services
5.27
2.72
Jeefeiele $e+Ce
Personal Loans
6.87
3.66
Ie)
D)
eqJeJejCe
Particulars
kegue Deeefmleeeb
Total Assets
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
16,5731.12
12,7861.71
Total NPAs
1,431.76
582.92
Total Revenue
4,950.58
4,032.74
209
210
0.00
0.00
5
506.57
56.27
-3
-380.89
-43.05
0
0.00
0.00
1
110.29
9.33
0
0.00
0.00
3
236.07
22.55
279.23
22
1593.65
126.33
3
380.89
43.05
-4
-181.90
-2.53
-3
-294.55
-16.60
-2
-119.64
-9.17
42
3889.65
414.85
31
kegue
ceeveke
Total Standard
27
300.69
-4
0.00
0.00
182.60
-2
0.00
0.00
-2.53
52
-9.17
868
-0.04
-132.15
-310
-3.19
-304.06
-338
-3.13
-375.01
-79
0.00
2.72
16
11.05
950.61
743
25.69
16.86 0.00
454.26
27.31
0.00 0.00
7.27 0.00
159.89 24.37
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
21.46 0.00
1.38
388.98
308
0.00
-2.24
-42
0.34
178.82
89
0.00
0.00
0.00
-2.72
-16
0.02
52.19
44
1.35
162.29
131
neefve
Loss
2021
796
30.80
-79
0.00
0.00
11.11
-848
1.07
29.72
156
270.78
-43
0.00
0.47
0.00
94
0.00
-1258
-14.32
-529
0.00
2209
-0.11
19805
-2.01
-599.94
-2694
-7.95
0.00 -1455.03
-3.13
0.00
0.00
0.00
1872
0.00
4.86
0.00
33.55
314.74
8.74
654
neefve
Loss
13266
-541
4.69
676.27
525
0.00
0.00
0.00
-18.43
-2
10.86
475.64
349
7.86
-931
44.12
790
0.00
-173
57.42
-1599
-19.98
633
0.00
0.00
-44.12
769
0.00
0.00
0.00
-18.43
-2
10.90
-3758
0.00
27084
-2.01
20715
-11.22
-851.73
-3006
-27.74
-675
14.81
2183
0.00
5562
-0.07
-10.56 -919.78
-511
12.93
-14.32
-0.67 -1472.35
-54
0.00
6.11
190
0.00
358
33.08
615.52 496.07
664
7.38
413.33 -394.90
175
408.16
7394.48
18225
349.80
15318
kegue
Total
19247
390.26
-931
0.00
0.00
476.48
-4289
0.00
0.00
-19.98
885
0.00
29345
-11.29
-1.73 -1783.80
-97
0.00
30.95
197
0.00
0.00 -2265.54
0.00
0.00
0.00
0.00 8506.07
0.00
785
neefve
Loss
20.35
0.00
343.83
756.90
32.67
42.07
0.00
831.64
4617
0.00
-848
0.00
0.00
282.77
5382.62
18424
58.77
0.00
0.00
0.00
0.00
0.00
kegue
Total
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
7851
1570
5112
kegue
ceeveke
Total Standard
-8.32 -863.42
-469
3.26
772.65
543
0.00
0.00
-1.07
-11.29
-154
1.13
56.76
615
6.03
193.12
939
-0.07
17460
44.88
0.00
-134
2.85
124.77
243
0.00
0.00
0.00
0.00
0.04
20.43
3.76
Deve
Others
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
6989
1337
4286
kegue
ceeveke
Total Standard
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
836
233
821
meeqvoiOe
neefve
DeJeceeveke
Sub- Doubtful Loss
standard
0
5
0
2456.28
26
ceeveke
Standard
Particulars
efJeJejCe
2012-13
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
No. of accounts
Aggregate consideration
6.52
6.52
ke-2.7.4 Kejeroer ieF& / yeseer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kee efJeJejCe
ke.
A.
efJeJejCe
1.
Particulars
Ke.
financial
assets
eeuet Je<e&
efheuee Je<e&
Current Year
-
Previous Year
-
ke. Je<e& kes oewjeve Kejeros ieS KeeleeW keer mebKee (a) No. of accounts purchased during the
non-performing
year
(b) Aggregate outstanding
B.
efJeJejCe
Particulars
1.
2.
3.
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
mecee yekeeee
Aggregate outstanding
68.33
6.52
Particulars
eeuet Je<e&
Current Year
1,820.38
efheuee Je<e&
Previous Year
1,390.06
211
2012-13
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
49,049.33
36,576.98
yeQke keer kegue peceeDeeW ceW yeerme meyemes ye[s peceekelee&DeeW keer
peceeDeeW kee eefleMele
10.35
9.50
b)
Concentration of Advances
( ` kejes[ ceW / ` in Crores)
eeuet Je<e&
Current Year
efheuee Je<e&
Previous Year
49,035.28
42,897.70
yeQke kes kegue DeefeceeW ceW yeerme meyemes ye[s $e+efCeeeW kees efoS
ieS DeefeceeW kee eefleMele
9.53
10.22
c)
Concentration of Exposures
( ` kejes[ ceW / ` in Crores)
eeuet Je<e&
Current Year
efheuee Je<e&
Previous Year
51,573.39
44,872.71
8.16
8.99
d)
Concentration of NPAs
eeuet Je<e&
e)
Previous Year
1,067.66
709.92
eeuet Je<e&
212
keJejspe
Devegheele
efheuee Je<e&
Current Year
efheuee Je<e&
Current Year
Previous Year
68.24%
80.05%
A.2.8
JeeJemeeefeke Devegheele
Business Ratios
Particulars
efJeJejCe
2012-13
eeuet Je<e&
efheuee Je<e&
Current year
Previous Year
(i)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Interest Income as a percentage to
Average Working Funds
yeepe Deee
7.34
7.58
(ii)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Non-interest income as a Percentage to
Average Working Funds
iewj-yeepe Deee
0.76
0.87
(iii)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Operating Profit as a percentage to Average
Working Funds
heefjeeueve ueeYe
1.88
2.19
(iv)
0.90
1.24
(v)
eefle kece&eejer JeJemeee (keesj pecee leLee Deefece) Business (Core Deposits plus advances) per
employee (`in Crores)
(` kejes[ ceW)
16.89
14.66
(vi)
0.10
0.12
Return on Assets
ke-2.9 DeeefmleeeW Deewj oseleeDeeW kee eyebOeve DeeefmleeeW Deewj oseleeDeeW keer keg
ceoeW kee heefjhekeJelee mJehe
1 efove
Day 1
2 mes 7
efove
2 to 7 days
pecee jeefMeeeb
Deposits
8 mes 14 15 mes 28 29 efove mes 3 cenerveeW mes 6 cenerveeW mes 1 Je<e& mes 3 Je<e& mes
efove
efove
3 ceen peeoe leLee 6 peeoe leLee peeoe leLee peeoe leLee
8 to 14
15 to 28 29 days to cenerveeW leke 1 Je<e& leke 3 Je<e& leke 5 Je<e& leke
days
days 3 months
Over 3
Over 6 Over 1 year Over 3 years
months & up months & & up to 3 & up to 5
to 6 months up to 1 year
years
years
5 Je<e& mes
DeefOeke
kegue
Total
Over 5
years
(2925.19) (21239.74) (11003.69) (14239.70) (57524.98) (46899.67) (101186.09) (69782.90) (14480.81) (45498.33) (384871.11)
Deefece
Advances
9225.00 44232.88
(2219.76) (6010.72) (8268.23) (6769.28) (37969.99) (31238.21) (30909.28) (89550.20) (31298.26) (43143.37) (287377.29)
efveJesMe
GOeej
Investments
Borrowings
efJeosMeer
cege Deeefmleeeb
Foreign
Currency assets
efJeosMeer
cege oseleeSb
Foreign Currency
liabilities
2605.83 1935.87
715.14
588.39 9609.82
(419.65) (1186.93)
(290.33)
(764.51) (5737.41)
484.49
269.34
549.05 2385.78
(61.03) (508.80)
(39.32)
(25.44) (1751.06)
3555.66 17430.51
476.86
14200.86 7964.35
3395.63
1880.69
5112.73
keeske ceW efoS ieS Deebke[s efHeues Je<e& keer mebKeeSb nQ. Figures in bracket denote previous year numbers
DeeeqmleeeW SJeb oseleeDeeW kee efJeYeepeve yeQke keer Deeeqmle oselee heyebOeve SJeb mecetn peesefKece veerefle 2011 kes Devegmeej efkeee ieee nw. The distribution of Assets
and Liabilities has been done as per the Asset Liability Management and Group Risk Policy-2011 of the Bank
kegue DeefieceeW keer ieCevee ceW eeJeOeeveeW SJeb Deve keewefleeeW kee efJeYeepeve mekeue ceeveke DeefieceeW kes Devegheele ceW efkeee ieee nw. The Distribution of provisions
and other deductions, while arriving at the net advances, has been done in proportion to the gross Standard Advances.
efJeosMeer cege keer oseleeDeeW kee efJeYeepeve cetue oselee efJeYeepeve kes Devegheele ceW efkeee ieee nw. Distribution of of provision on foreign currency liabilities
has been done in proportion to the distribution of the parent liability.
213
2012-13
ke-2.10 Skemeheespej
A-2.10 Exposure
Category
esCeer
ke)
ele#e Skemeheespej
a)
Direct exposure
(i)
DeeJeemeere yebOeke
(i)
Residential Mortgages
ii)
Ke)
efheuee Je<e&
17,702.43
15,729.00
(10,535.17)
(9,880.57)
6,727.22
5,834.96
ke. DeeJeemeere
a.
Residential,
14.98
0.41
b.
43.83
13.13
60.91
83.18
6,312.11
5,496.72
30,861.48
27,157.40
Deele#e Skemeheespej
b)
Indirect Exposure
(i)
(i)
(ii)
(ii)
214
eeuet Je<e&
efJeJejCe
2012-13
eeuet Je<e&
efheuee Je<e&
Current
year
Previous
Year
(i)
1,782.26
1,846.09
(ii)
65.03
70.6
(iii)
efkevneR Deve Ssmes GsMeeW kes efueS Deefece peneb MesejeW (iii)
DeLeJee HeefjJele&veere yeeb[eW DeLeJee HeefjJele&veere ef[yeWejeW
DeLeJee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer etefveeW kees
HeeLeefceke HeefleYetefle kes He ceW efueee ieee nw.
27.10
12.57
(iv)
efkevneR Deve Ssmes GsMeeW kes efueS Gme meercee leke Deefece, (iv)
peesefke MesejeW, heefjJele&veMeerue yeeb[eW DeLeJee HeefjJele&veere
ef[yeWejeW DeLeJee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer
etefveeW keer mebheeefMJe&ke eefleYetefle mes mebjef#ele nw; DeLee&le
peneb efke MesejeW/HeefjJele&veere yeeb[eW/HeefjJele&veere ef[yeWejeW/
FefkeJeer DeeOeeefjle cetegDeue Heb[eW kes DeueeJee ueer ieeer
HeeLeefceke HeefleYetefle Hetjer lejn mes DeefieceeW kees keJej veneR
kej Heeeer nw.
875.18
116.39
(v)
351.95
159.72
(vi)
(vii) mebYeeefJele FefkeJeer HeJeen/efveie&ceeW keer SJepe ceW kebHeefveeeW kees (vii)
(viii) MesejeW DeLeJee HeefjJele&veere yeeb[eW/ef[yeWejeW DeLeJee FefkeJeer (viii) Underwriting commitments taken up by the
banks in respect of primary issue of shares or
DeeOeeefjle cetegDeue Heb[ kes HeeLeefceke cegeW kes yeejs ceW yeQkeeW
convertible bonds or convertible debentures
eje keer ieF& neceeroejer eefleyeleeSb
or units of equity oriented mutual funds;
0.60
(ix)
ceeefpe&ve ^sef[bie kes efueS me@ke yeeskejeW kees efJee Heoeve (ix)
kejvee
2.06
1.90
(x)
779.24
731.52
3,882.82
2,939.39
hetbpeer yeepeej ceW ` 3,882.82 kejes[ kee $e+Ce kegue $e+Ce keer meercee jeefMe `10,481.47 kejes[ kes Yeerlej nw. (DeLee&le 31.03.2012 kees yeQke keer Meg ceeefueele `26,203.67 kejes[
kee 40%). hetbpeer yeepeej ceW hele#e SkemeHeespej ` 2,655.69 kejes[ nw Deewj efoveebke 31.03.2012 kees yeQke keer efveJeue ceeefueele 26,203.67 kejes[ kee 20% DeLee&le ` 5,240.73
kejes[ keer meercee kes Yeerlej nw.
The exposure to Capital Market of ` 3,882.82 Crores is within the limit of ` 10,481.47 Crores (i.e. 40% of Banks Net worth of
` 26,203.67 Crores as on 31.03.2012). The direct exposure to Capital Market is ` 2,655.69 Crores and is within the limit of
` 5,240.73 crores i.e. 20% of the Banks net worth of ` 26,203.67 crores as on 31.03.2012.
215
2012-13
cenlJenerve
vetve
ceOe
Ge
DeefOeke Ge
meerefcele
$e+Ce mes Flej
kegue
Category
31 ceee& 2012
kees Skemehees]pej (ves)
31 ceee& 2012
kees eeJeOeeve
Insignificant
Exposure
(net) as on
31st March
2013
27,244.70
31 ceee& 2013
kees eeJeOeeve
Low
15,260.64
16.05
13,082.91
13.85
Moderate
1,126.05
--
479.44
--
High
1,844.36
--
62.23
--
Very High
17.48
--
1,577.95
--
Restricted
0.81
--
22.05
--
2.53
--
0.38
--
20.96
45,517.53
-35.66
-32,045.33
-22.63
Off-credit
Not Rated
Total
ke-2.10.4 yeQke eje Skeue $e+Ceer meercee (SmeyeerSue) mecetn $e+Ceer meercee (peeryeerSue)
ceW DeeefOekee
Provision
held as on
31st March
2013
19.61
Exposure
(net) as on
31st March
2012
16,820.37
Skeue kepe&oej
Skemehees]pej meercee
kegue efveOee&efjle
meercee
31 ceee&
kees Mes<e
mecetn kepe&oej
Skemehees]pej meercee
kegue efveOee&efjle
meercee
31 ceee&
kees Mes<e
Je<e&
Year
2012-13
2011-12
Single Borrower
Exposure Limit
-
Je<e&
Year
2012-13
2011-12
Group Borrower
Exposure Limit
-
ke-2.11 efJeefJeOe
ke-2.11.1 Je<e& kes oewjeve kejeOeeve nsleg efkeS ieS eeJeOeeve keer jeefMe
efJeJejCe
Provision
held as on
31st March
2012
8.78
eeuet Je<e&
efheuee Je<e&
Current Year
Provision for Tax including Wealth tax & deferred tax
904.33
mebheefe kej SJeb DeemLeefiele kej meefnle kes kejeW nsleg heeJeOeeve
IeeSb efheues Je<eeX mes mebyebefOele kej heeJeOeeveeW kee efjJeme&ue Less reversal of Tax Provisions relating to
Previous year
1,443.98
553.82
425.14
350.51
1,018.84
216
previous years
net provision for Tax
2012-13
ke-2.11.2 Yeejleere efj]peJe& yeQke eje ueieeS ieS ob[ kee ekeerkejCe
efJeeere Je<e& 2012-13 kes oewjeve yeQke hej yeQeEkeie efJeefveece DeefOeefveece
1949 keer efkemeer Yeer Dehes#ee keer DeJensuevee DeLeJee iewj Devegheeuevee kes efueS
yeQke hej keesF& oC[ veneR ueieeee ieee nw. eeefHe Yeejleere efj]peJe& yeQke keer
kejWmeer esm mes mebyebefOele efJeefYeVe efveeceeW kes keejCe yeQke kees efJeeere Je<e&
2012-13 ceW efueS ` 0.02 kejes[ ob[ mJeHe egkeevee He[e nw.
ke-2.11.3 eeeesefpele SmeheerJeer Dee@He yewueWme Meer (efpemes uesKee ceevekeeW kes Devegmeej
mecesefkele efkeee peevee nw)
efJeosMeer Overseas
Metve / NIL
Metve / NIL
ke-2.11.4 heefleYetleerkejCe
S.No.
A-2.11.4 Securitisation
efJeJejCe
Particulars
1.
2.
3.
4.
Metve
NIL
217
2012-13
ke-3.1 ueeYe Je neefve Keeles ceW Deeves Jeeues eeJeOeeve Je DeekeefmcekeleeDeeW kee
efJeJejCe Fme ekeej nw:
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
Current
Year
Previous
Year
225.45
236.33
3,067.02
1,568.87
393.80
448.17
350.51
1,018.84
382.42
296.32
13.03
5.22
25.00
25.00
Deve
Others
61.20
-25.08
kegue
Total
4,518.43
3,573.67
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
Current
Year
Previous
Year
a.
850.35
850.35
Ke. uesKee Je<e& ceW efkeS ieS DemLeeeer eeJeOeeve keer jeefMe
b.
ie. uesKee Je<e& kes oewjeve efkeS ieS [^e [eGve keer
jeefMe
c.
d.
850.35
850.35
efJeeere Je<e& 2012-13 kes oewjeve Deejef#ele efveefOeeeW ceW keesF& efiejeJe
veneR DeeF&.
218
A-3.3
A-4.
2012-13
Disclosure of complaints
I. Customer Complaints
eenke efMekeeele
eeuet Je<e&
efJeJejCe
Particulars
efheuee Je<e&
Current
Year
Previous
Year
636
160
14843
11365
(c)
15328
10889
(Ie)
* 151
636
* FveceW
mes 142 efMekeeeleW (iele Je<e& 525 efMekeeeleW) 30 efoveeW mes kece hegjeveer nQ. * Out of these 142 nos. of complaints (Previous year 525
nos.) are pending for less than 30 days.
II.
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
(ke) Je<e& kes Meg ceW keeee&efvJele ve efkeS ieS efveCe&eeW keer mebKee
01
11
12
(ie)
(c)
15
09
--
04
(Ie) Je<e& kes Deble ceW keeee&efvJele ve efkeS ieS efveCe&eeW keer mebKee
Current
Year
Previous
Year
219
2012-13
efJeJejCe
Nature of Income
Ke.
efheuee Je<e&
Previous
Year
19.30
11.33
3.17
1.73
0.33
0.46
Bancassurance Business
0.00
0.21
220
eeuet Je<e&
Current
Year
18.36
11.98
B.
heWMeve kee ogyeeje efJekeuhe osves kes yeejs ceW Yeejleere yeQke mebIe Deewj kece&eejer mebie"veeW
kes yeere ngS efhe#eere mecePeewles Deewj mebege vees efoveebke 27.04.2010 kes
Devegmeej efoveebke 01.04.2010 kees ee Fmekes heeele yeQke keer mesJee ceW heJesMe
kejves Jeeues kece&eejer heefjYeeef<ele DebMeoeeer heWMeve eespevee kes efueS hee$e nQ pees
efke yeQke ves mebege vees/mecePeewles efoveebke 27.04.2010 kes Devegmeej Meg keer
nw. en eespevee efoveebke 01.01.2004 mes kesvere mejkeej kes kece&eeefjeeW kes
efueS Meg keer ieF& leLee mecee-mecee hej eLeemebMeeseOf ele veF& hesMeve eespevee kes
heeJeOeeveeW mes ner efveebe$f ele nesleer nw. Dele: Jes yeQke keer YeefJe<e efveefOe eespevee leLee
heWMeve eespevee kee meome yeveves kes efueS hee$e veneR nQ. efoveebke 01.04.2010
kees DeLeJee Fmekes heeeled yeQke mesJeeDeeW ceW heJesMe kejves Jeeues yeQke kes kece&eeefjeeW
kes mebyebOe ceW kegue heefjueeqyOeeeW mes Jesleve leLee cenbieeF& Yees keer 10% keer oj mes
veF& heWMeve eespevee kes efueS keewleer Deewj Fmekes mecelegue ner yeQke eje DebMeoeve
efkeee pee jne nw.
2012-13
221
2012-13
keesF& Yeer kece&eejer DeHeveer DeefOeJeef<e&lee /mJewefke mesJee efveJe=efe /ce=leg keer
leejerKe Hej Gmekes Keeles ceW pecee ngF& gefeeW ceW mes DeefOekelece 240 efoveeW
leke keer Deefpe&le gefeeW kee vekeoerkejCe HeeHle kejves kee nkeoej nw.
leLeeefHe, mesJee leeie keer efmLeefle ceW, kece&eejer pecee Deefpe&le gefeeW ceW
DeefOekelece 120 efoveeW leke gefeeW keer 50% jeefMe kee vekeoerkejCe HeeHle
kejves kee nkeoej nw .
Ke-1.7 ekeerkejCe
B- 1.7Disclosures
Principal Actuarial Assumptions [Expressed as
Weighted Averages]
DeJekeeMe
vekeoerkejCe
PENSION
LEAVE
ENCASHMENT
GRATUITY
ieseger
ef[mkeeGb oj
Discount rate
8.25%
8.25%
8.25%
8.25%
Jesleve Je=ef oj
6.00%
6.00%
6.00%
6.00%
eme oj
Attrition Rate
2.00%
2.00%
2.00%
2.00%
8.00%
8.00%
Mortality Rate :
222
LICI 1994-96
2012-13
PENSION
DeJekeeMe
vekeoerkejCe
Deefle.
mes
J
ee
ueeYe
LEAVE GRATUITY
ARB
ieseger
ENCASHMENT
a) PVO as at 01.04.2012
f)
PVO as at 31.03.2013
eespevee DeeefmleeeW kes Gefele cetue kes DeejbefYeke Mes<e SJeb Debeflece Mes<e kee
meceeOeeve
7,033.55
566.01
1,416.85
446.62
563.49
44.19
110.63
35.26
1,064.59
124.64
103.90
4.72
406.69
60.66
151.78
38.46
-752.90
35.55
26.53
144.31
7,502.04
709.73
1,506.13
592.45
ieseger
PENSION
5,740.29
Gratuity
1,308.84
459.22
104.71
c) Add- Contributions
767.51
108.01
406.69
151.78
97.99
3.35
6,658.32
1,373.13
ieseger
a) PV of obligation
7,502.04
709.73
1,506.13
592.45
6,658.32
1,373.13
ie) Devlej
c) Difference
843.72
709.73
133.00
592.45
731.96
111.76
709.73
133.00
592.45
223
2012-13
kejCe
HeWMeve DeJekeeMe vekeoer
LEAVE
PENSION
ke)
a)
Ke)
yeepe ueeiele
b)
Interest Cost
ie)
c)
Ie)
*)
e)
ieseger
1,064.59
124.64
103.90
4.72
563.49
44.19
110.63
35.26
-459.22
-104.71
d)
-850.88
35.55
23.18
144.31
e)
Transitional liability
recognized in the year
365.98
f)
683.96
204.38
133.00
184.29
HeWMeve / Pension
iesegerr / Gratuity
Expected contribution
500.00
80.00
efJeJejCe
mebYeeefJele DebMeoeve
investment Pattern
efveJesMe Hewve&
Particulars
efJeJejCe
Pension
Gratuity
23.47 %
21.03 %
20.01 %
25.64 %
keeheexjs (heerSmeet)
Corporate (PSU)
29.80 %
29.50 %
keeheexjs (heeFJes)
Corporate (Private)
2.82 %
1.53 %
Deve
Others
23.90 %
22.30 %
kegue
Total
100.00 %
100.00 %
224
2012-13
^spejer
keeheexjs/nesuemesue yeQeEkeie
Treasury
eeuet Je<e&
Corporate / Wholesale
Banking
efheuee Je<e&
eeuet Je<e&
efjsue yeQeEkeie
Retail Banking
kegue
Other Banking
Operations
Total
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
9604.56
8488.31
4996.58
3085.71
2782.37
2221.71
2959.73
Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year
Particulars
jepemJe
Revenue
9199.48
heefjCeece
Result
1070.13
Deveeyebefle
Kee&
Unallocated
Expense
887.72
-103.95
965.87
6273.60
7595.69
1442.37
1569.89
4831.23
6025.80
Income taxes
350.51
1018.84
4480.72
5006.96
heefjeeueveiele Operating
Profit
ueeYe
Deeekej
Meg ueeYe
Net Profit
Deve
metevee
Other
Information
mesieceW
Deeefmleeeb
Segment
Assets
Deveeyebefle
Deeefmleeeb
Unallocated
Assets
145932.25 103694.34 152789.37 140207.90 73229.18 63161.52 169832.62 135618.27 541783.42 442682.03
5352.02
Segment
Liabilities
Deveeyebefle
oseleeSb
Unallocated
Liabilities
]kegue oseleeSb
Total Liabilities
4639.44
547135.44 447321.47
137405.34 97324.89 143861.80 131595.59 68950.36 59281.81 159909.20 127287.87 510126.70 415490.16
5039.30
4354.46
515166.00 419844.62
8526.91
6369.46
8927.57
8612.31
4278.82
3879.71
9923.42
employed
Deveeyebefle
Unallocated
kegue Hetbpeer
Total Capital
312.72
31969.44 27476.85
Part B Geographic Segments
mesieceW
efJeJejCe
Segments
Particulars
jepemJe
Revenue
Deeefmleeeb
Assets
284.98
Debleje&^ere
International
kegue
Total
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
33,876.70
29,063.31
4,950.58
4,032.74
38,827.28
33,096.05
3,81,404.32
3,19,459.76
1,65,731.12
1,27,861.71
5,47,135.44
4,47,321.47
225
2012-13
2.
3.
4.
5.
2.
3.
4.
5.
mebyebefOele heeef&eeW kes veece SJeb yeQke kes meeLe Gvekes mebyebOe
ke) Deveg<ebefieeeb
i)
yee@ye kewefheue ceekex efueefces[
ii)
yee@ye kee[&dme efueefces[
iii)
vewveerleeue yeQke efueefces[
iv) yeQke Dee@He ye[ewoe (yeeslmeJeevee) efueefces[
v)
yeQke Dee@He ye[ewoe (kesefveee) efueefces[
vi) yeQke Dee@He ye[ewoe (etieeb[e) efueefces[
vii) yeQke Dee@He ye[ewoe (iegeevee) DeeF&Svemeer.
viii) yeQke Dee@He ye[ewoe (etkes) efueefces[
ix) yeQke Dee@He ye[ewoe (lebpeeefveee) efueefces[
x)
ye[ewoe kewefheue ceekexdme (etieeb[e) efueefces[
(yeQke Dee@He ye[ewoe etieeb[e efueefces[ keer Deveg<ebieer)
xi) yee@ye ef$eefveoeo Je esyeeiees efue.
xii) yeQke Dee@]He ye[ewoe (Ieevee) efue.
xiii) yeQke Dee@]He ye[ewoe (vetpeerueQ[) efue.
(Ke) meneesieer FkeeFeeb
(a) Subsidiaries
iii)
226
(ii)
(iii)
(iv)
(v)
(vi)
(vii)
(ix)
(x)
(xi)
(xii)
i)
i)
(i)
(c)
Associates
(i)
(ii)
(iii)
(iv)
(v)
(vi)
Joint Ventures
(i)
(ii)
(iii)
Current Year
3,49,654
Previous Year
-
eer Sce.[er.ceuee
32,45,265
25,37,459
keee&Heeueke efveosMeke
24,02,674
21,97,317
keee&Heeueke efveosMeke
13,26,419
21,22,495
keee&Heeueke efveosMeke
12,22,208
eer efhe.eerefveJeeme
keee&Heeueke efveosMeke
12,00,790
keee&Heeueke efveosMeke
6,65,588
Shri M. D. Mallya
3
Shri N. S. Srinath
5
Shri P. Srinivas
7
Designation
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
2
heeefjeefceke Remuneration
eeuet Je<e&
efheuee Je<e&
heoveece
Name
2012-13
DeeF&meerSDeeF& eje peejer mebyebefOele heeea ef[mkeueespej kes S Sme-18 kes hewje 9 kes
cesvepej Deveg<ebefieeeW Deewj meneesieer yeQkeeW kes meeLe mebJeJenej kee ekeerkejCe veneR
efkeee ieee nw, pees jepe efveeefv$ele GheeceeW kees Deve mebyebefOele heeef&eeW kes meeLe
Deheves uesve-osveeW mes mebyebefOele efkemeer ekeej kee ekeerkejCe kejves mes jeskelee nw, pees
Yeer jepe efveebef$ele nw.
Ke-4. eefle Mesej Depe&ve (SSme-20)
efJeJejCe
Particulars
eeuet Je<e&
Previous Year
5,006.96
41,16,78,611
39,16,53,059
`108.84
` 127.84
` 10.00
` 10.00
DeeF&meerSDeeF& eje peejer Deee Hej kej keer ieCevee nsleg SSme-22 keer pejleeW
kee yeQke ves Heeueve efkeee nw leLee leodvegmeej DeemLeefiele kej Deeefmleeeb leLee
oseleeSb efveOee&efjle keer ieF& nQ. 31 ceee&, 2013 kees DeemLeefiele kej oseleeDeeW
kee ves yewueWme `88.81 kejes[ nw, pees Fme ekeej nw :Particulars
Deeefmleeeb
Deeue DeeefmleeeW hej Deeekej DeefOeefveece kes lenle Difference between book depreciation and
Depreciation under Income Tax Act on
yener cetueeme leLee cetueeme ceW Deblej
fixed assets
Deeekej DeefOeefveece, 1961 keer Oeeje 36(1)(viii) Deduction under section 36 (1) (viii) of the
Income-Tax Act, 1961
kes Devleie&le keewleer
heefjhekeJelee kes efueS Oeeefjle (SeerSce) eefleYetefleeeW Depreciation on HTM Securities
hej cetueeme
efheuee Je<e&
Current Year
4,480.72
efJeJejCe
oselee
Deeefmle
oselee
Asset
-
Liability
44.44
Asset
-
Liability
89.93
92.73
426.45
227
2012-13
efJeJejCe
Particulars
31.03.2013
Deeefmleeeb
Deeekej DeefOeefveece keer Oeeje 40 (S) (DeeF&S) kes
Devleie&le iewj Devegcele jeefMe
DeJekeeMe vekeoerkejCe kes efueS eeJeOeeve
mebefoiOe $e+CeeW leLee DeeqeceeW (efJeosMeer) kes efueS
eeJeOeeve
pees[
Meg DeemLeefiele kej Deeefmleeeb/ (oseleeSb)
Liability
221.16
Total:
Net Deferred Tax Assets/(Liabilitiy)
Deeefmle
oselee
Asset
9.84
Liability
-
174.43
3.08
76.14
225.98
137.17
260.41
516.38
88.81
(255.97)
Particulars
Legal Cases / contingencies
Current Year
Previous Year
10.01
8.70
34.50
1.31
44.51
10.01
yeQke ves Ske veerefle efveOee&efjle keer nw efpemekes Devegmeej yeQke kes efJe oeJeeW kees $e+Ce
kes he ceW mJeerkeej veneR efkeee peelee nw.
228
oselee
Asset
1.74
efJeJejCe
cegkeoceW / Deekeefmceke Keex
1 Deewue 2012 kees Mes<e
Je<e& kes oewjeve eoe
31 ceee& 2013 kees Mes<e
DeeGHeuees/DeefveefMeleleeDeeW kee mecee
eeuet Je<e&
efheuee Je<e&
Outflow on settlement/crystallization
The Bank has provided for claims against it, which have not been
acknowledged as debt as per the policy framed by it.
B-8.2 Contingent Liabilities
Such liabilities as mentioned at Serial No (I) to (VI) of
Schedule 12 of Balance Sheet are dependent upon the
outcome of court judgement / arbitration awards / out of
court settlement / disposal of appeals. No reimbursement
is expected in such cases.
C. Other Notes to Accounts
C-1. Balancing of Books and Reconciliation
Initial matching of debit and credit outstanding entries
in various heads of accounts included in Inter office
Adjustments has been completed upto 31.03.2013, the
reconciliation of which is in progress.
C-2. Capital
During the year, the Bank has allotted 1,01,32,920 equity
shares of ` 10/- each at a premium of ` 828.85 per share
to Government of India as determined by the Board in
accordance with regulation 76 (1) of SEBI Issue of Capital
and Disclosures Requirements Regulation on preferential
ie-3.
ie-4.
ie-5.
ie-6.
ie-7.
`.828.85 heefle Mesej kes heerefceece hej Deeyebefle efkeS nQ. Fmekes HeuemJehe,
yeQke kees `.850.00 kejes[ keer kegue jeefMe hetbpeer kes he ceW heehle ngF&.
Hetbpeeriele Heejef#ele efveefOe
hetbpeeriele eejef#ele efveefOe ceW Deeue mebheefeeeW kes hegvece&tueebkeve kes heuemJehe
nesves Jeeueer cetueJe=ef leLee ueIeg / ceOece GeesieeW kes efueS efveee&le efJekeeme
heefjeespeveeDeeW nsleg efJee yeQke keer eespeveeDeeW kes Debleie&le Yeejle mejkeej keer
DebMeoeve jeefMe Meeefceue nw.
efveJesMe
ie-4.1 Yeejleere efjp] eJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej Je<e& kes oewjeve yeQke
ves efyeeer kes efueS GheueyOe esCeer ceW efJeeceeve mejkeejer heelf eYetelf eeeW
(SmeSueDeej) kes Ske Yeeie kees heefjhekeJelee leke Oeeefjle esCeer ceW Debleefjle
kej efoee nw. 20.69 kejes[ heS (iele Je<e& 46.64 kejes[ heS) kes
heefjCeeceer cetueeme kees ueeYe SJeb neefve uesKes ceW heYeeefjle kej efoee ieee
nw.
ie-4.2 heefjhekeJelee leke Oeeefjle esCeer kes lenle jKes iees efveJesMe keer efyeeer
hej ueeYe jeefMe `47.45 kejes[ kees ueeYe SJeb neefve Keeles ceW efueee ieee
nw Deewj Gmekes yeeo ` 24.04 kejes[ kees hetbpeeriele heejef#ele efveefOe ceW
kejeW kees Meg ceW meceeeesefpele efkeee ieee nw leLee yeQeEkeie efJeefveeceve
DeefOeefveece 1949 keer Oeeje 17 kes Debleie&le ` 8.01 kejes[ meebefJeefOeke
heejef#ele efveefOe kees Debleefjle efkeee ieee nw.
kejeW kes efueS HeeJeOeeve
ie-5.1 kejeW nsleg HeeJeOeeve, DeHeerueere HeeefOekeeefjeeW kes efveCe&eeW kees Oeeve ceW
jKeles ngS Je DeefOeJekelee kes HejeceMe& mes efkeee ieee nw.
ie-5.2. Deve Deeeqmleeeb Meer<e&ke kes Debleie&le oMee&eer Deefiece kej Deoeeieer
eesle hej kej keer keewleer jeefMe ceW efJeJeeoemheo kej ceebieeW kes mebyebOe
ceW yeQke eje Yegieleeve keer ieF& / efJeYeeie eje meceeeesefpele jeefMe
`3,374.52 kejes[ (efheues Je<e& `1,993.11 kejes[) Meeefceue nw.
Deeekej keer efJeJeeoemheo ceebieeW kes efueS veeefeke efveCe&eeW Deewj / ee
keevetveer hejeceMe& DeefOekeejer keer jee kees Oeeve ceW jKeles ngS Fme ceo
kes efueS keesF& heeJeOeeve veneR efkeee ieee nw. kej efveOee&jCe DeefOekeejer
eje efkees iees heefjJele&ve / ceveener yeveees jKeves ueeeke veneR nw.
ie-5.3 yeQke ves Deeekej DeefOeefveece 1961 keer Oeeje 36(1)(yeQke ves Deeekej
DeefOeefveece 1961 keer Oeeje 36(1)(viii) kes Debleie&le hee$e JeJemeee kes
mebyebOe ceW, pees Ge Oeeje ces efJeefvee|o nw, keewleer nsleg oeJee efkeee nw.
leovegmeej efJeeere Je<e& 2012-13 kes oewjeve ` 850.00 kejes[ (efheues
Je<e& `533.85 kejes[)efJeMes<e heejef#ele efveefOe Keeles ceW Devleefjle kej efoS
nw. leLee Fmes Deve heejef#ele efveefOe kes Debleie&le efjhees& efoee peelee nw.
Heefjmej
ie-6.1 yeQke keer kegue ` 65.30 kejes[ (cetue ueeiele) (efheues Je<e& ` 78.37
kejes[ ) keer keg mebheefeeeW kes mebyebOe ceW nmleeblejCe efJeuesKe kee efve<heeove
nesvee yeekeer nw.
ie-6.2 yeQke keer keg mebheefeeeW keer hegvecet&ueebefkele jeefMe kee GuuesKe efkeee ieee
nw. Je<e& kes Deble ceW heefjmej Meer<e& kes Debleie&le kegue ` 1,778.33 kejes[
(efheues Je<e& ` 1,777.43 kejes[), efJeosMeer keeee&ueeeW kees ` 31.45
kejes[ (efheues Je<e& ` 30.55 kejes[) keer jeefMe meefnle hegvecet&ueebefkele jeefMe
kees Meeefceue efkeee ieee nQ. Meg cetueeme kes mebyebOe ceW hegvecet&ueebefkele
jeefMe ` 1,104.26 kejes[ (efheues Je<e& `1,173.68 kejes[) nQ.
ie-6.3 heefjmej kes Debleie&le efvecee&CeeOeerve / keypes ceW ueer peevesJeeueer ` 98.73
kejes[ (efheues Je<e& ` 51.87 kejes[) keer mebheefeeeb Meeefceue nQ.
yee@ye efHemekeue mee|Jemespe efueefces[ (yee@ye SHeSmeSue), hetJe& ceW hetCe& he mes yeQke Dee@H] e
ye[ewoe keer Deveg<ebieer eje 24.09.1990 kees kebheveer kees mJeweq ke he mes meceehle
kejves kee efJeMes<e mebkeuhe heeefjle efkeee ieee Deewj Gmekes efueS Ske heefjmeceeheke
keer efveegef e kej oer ieeer.
2012-13
229
2012-13
yee@ye efHemekeue mee|Jemespe efueefces[ ves yeQke Dee@]He ye[ewoe kes meeLe Ske
mecePeewlee efkeee efpemekes lenle efoveebke 28.02.1991 mes yee@ye SHeSmeSue
keer mebhetCe& Deeeqmleeeb SJeb oseleeSb Gmekes hetCe& JeJemeee kes meceeheve kes
HeuemJehe Ske ieesFbie kebmeve&/efyeeer kes he ceW yeQke Dee@]He ye[ewoe kees
mLeeveebleefjle kej efoS ieS. etbefke kebheveer efJeeejeOeerve keevetveer ceeceues kes
keejCe hetCe& he mes heefjmeceehle veneR keer pee mekeleer Leer Dele: efoveebke
30 ceee& 2007 kees yee@ye SHeSmeSue keer Jeee|<eke meeceeve yew"ke ceW
yee@ye SHeSmeSue kees yeQke Dee@]He ye[ewoe ceW Meeefceue kejves kee efveCe&e efueee ieee.
efveosMeke ceb[ue eje yeQke Dee@H] e ye[ewoe kes meeLe cewmeme& yee@ye efHemekeue mee|Jemesme efue.
kes meceecesueve kees yeQke keer efoveebke 28.01.2009 kees Deeeesepf ele yes"ke ceW Devegceeseof le
efkeee ieee Deewj Ge veeeeuee kes meccegKe yee@ye kes meeLe yee@ye SHeSmeSue
meceecesueve nsleg DeeJeMeke eeefekee ope& kejves kes efueS eyebOeve kees heeefOeke=le efkeee.
ie-8 yeQke ves Yeejleere efj]peJe& yeQke kes he$e meb.etyeer[er.meerDees.SceF&DeejDeesF&Deej veb.
7814/09.16.901/2010.11 efo. 4 ceee&, 2011 ceW efoS ieS Devegceesove kes
Devegmeej cesceve kees-Dee@hejsefJe yeQke efueefces[ keer efJeefvee|o DeeeqmleeeW SJeb
oseleeDeeW kee DeefOeienCe efoveebke 18.04.2011 kees efkeee. eejbefYeke He mes
[erDeeF&meerpeermeer oeJee mes efceueves Jeeueer jeefMe ` 61.10 kejes[ kees Oeeve ceW
jKeles ngS ` 149.25 kejes[ kes Iees keer ieCevee keer ieF& Leer. Ge DeefOeienCe
kes heefjCeecemJehe ` 149.25 kejes[ kes ngS Iees ceW mes yeQke ves efJeeere Je<e&
2011-12 kes oewjeve Yeejleere efj]peJe& yeQke kes he$e meb. [eryeerDees[er.meb.yeerheer.
1311/21.01.048/2012-11 efo. 25 pegueeF&, 2011 ceW efoS ieS Devegceesove
kes Devegmeej ` 49.75 kejes[ keer jeefMe ueeYe SJeb neefve Keeles ceW heYeeefjle keer
nw Deewj ` 99.50 kejes[ keer jeefMe efJeeere Je<e& 2013-14 leke keer Mes<e DeJeefOe
kes oewjeve Deevegheeefleke he mes heYeeefjle kejves kes efuees Deeies mLeeveebleefjle
keer ieF&. efJeeere Je<e& 2012-13 kes oewjeve yeQke eje [erDeeF&meerpeermeer mes
Debeflece efvemleejCe kes he ceW `.23.75 kejes[ heehle keer ieF&, heefjCeecemJehe
`.37.35 kejes[ kee Ieee Deewj ye{ ieee. leovegmeej eeuet efJeeere Je<e& kes
oewjeve ueeYe SJeb neefve Keeles ceW `.74.64 kejes[ (`.49.75 kejes[, cetue Ieee
`.149.25 kejes[ kee Ske efleneF& SJeb `.24.89 kejes[, [erDeeF&meerpeermeer oeJeeW
ceW `.37.35 kejes[ kes Iees kee oes efleneF&) heYeeefjle keer ieF&.Mes<e `.62.20
kejes[ (cetue Ieee `.149.25 kejes[ kee Ske efleneF& SJeb [erDeeF&meerpeermeer oeJee
heeeqhle ceW Iees kee Ske efleneF& `.12.45 kejes[) Deieues efJeeere Je<e& 2013-14
kes oewjeve heYeeefjle keer peeSieer.
ie-9 yeQke ves peceeveleer DeJeceeveke DeefieceeW hej 15% keer efJeefveeeceke DeeJeMekelee
keer leguevee ceW 20% kee heeJeOeeve efkeee nw.
Fmekes Deefleefje yeQke ves keg Devepe&ke Iejsuet Deefiece KeeleeW ceW 31 ceee& 2013
kees ` 136.75 kejes[ (efheues Je<e& ` 342.79 kejes[) kee Deefleefje leoLe&
heeJeOeeve efkeee nw.
ie-10 Yeejle mejkeej eje peejer DeefOemetevee efoveebke 01/11/2012 kes Devegmeej
mejkeejer jepehe$e ceW DeefOemetevee hekeeefMele nesves keer efleefLe mes yeQke Dee@He
ye[ewoe eje heeeesefpele PeeyegDee-Oeej #es$eere ieeceerCe yeQke SJeb vewveerleeueDeucees[e #es$eere ieeceerCe yeQke kee eceMe yeQke Dee@He Fbef[ee eje heeeesefpele
vece&oe PeeyegDee ieeceerCe yeQke leLee Yeejleere ms yeQke eje heeeesefpele
GejeKeb[ ieeceerCe yeQke ceW meceecesueve kej efoee ieee.
Yeejle mejkeej eje peejer DeefOemetevee efoveebke 01 peveJejer, 2013 kes
Devegmeej, n[ewleer #es$eere ieeceerCe yeQke (meW^ue yeQke Dee@He Fbef[ee eje
heeeesefpele) SJeb jepemLeeve ieeceerCe yeQke (hebpeeye vesMeveue yeQke eje heeeesefpele)
kees ye[ewoe jepemLeeve ieeceerCe yeQke (yeQke Dee@He ye[ewoe eje heeeesefpele) ceW
meceecesefuele kej efoee ieee. meceecesueve kes mecee, mejkeejer jepehe$e ceW
DeefOemetevee peejer nesves keer efleefLe mes ye[ewoe jepemLeeve ieeceerCe yeQke kee veece
yeouekej ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke kej efoee ieee.
ie-11 ceewpetoe DeJeefOe / Je<e& kes JeieeakejCe kes leoveghe, peneb keneR DeeJeMeke nw,
efheueer DeJeefOe / Je<e& kes Deebke[eW kees hegve: mecetnerke=le / hegve: JeJeeqmLele efkeee
ieee nw.
230
2012-13
31 ceee& 2013 kees meceehle Je<e& kes efueS vekeoer eJeen efJeJejCe
Statement of Cash Flow for the year ended 31st March, 2013
(` in 000's
31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
4831,22,96
6025,79,75
Year ended
31.03.2013
A.
Devebefkele omitted)
Year ended
31.03.2012
Adjustments for:
300,63,71
276,56,52
Depreciation on investments
(including on Matured debentures)
225,45,52
236,32,83
3449,44,24
1865,19,16
393,80,02
448,16,58
99,22,65
5,13,96
79,63
-8114
930,27,55
914,36,03
(38,32,24)
(25,57,86)
GHe-pees[
Sub total
10192,54,04
9745,15,83
Adjustments for:
(Increase)/Decrease in investments
(38081,04,24)
(12216,12,13)
(Increase)/Decrease in advances
(44257,91,38)
(60566,12,42)
1902,20,89
(3321,50,31)
Increase/(Decrease)in borrowings
2903,93,06
1076,82,45
Increase/(Decrease) in deposits
89012,23,16
79431,62,40
2853,04,48
1952,31,61
(1731,91,90)
(1695,67,09)
22793,08,11
14406,50,34
231
2012-13
(` in 000's
31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
(518,01,79)
(434,53,80)
35,98,05
40,55,67
Year ended
31.03.2013
B.
Year ended
31.03.2012
(328,73,71)
31,02,38
38,32,24
25,57,86
(772,45,21)
(337,37,89)
10,13,29
19,57,73
Mesej hetBpeer
Share Capital
Mesej Heerefceece
Share premium
839,86,71
1625,11,20
102,30,00
188,37,19
(812,29,04)
(753,35,20)
(930,27,55)
(914,36,03)
(790,26,59)
165,34,89
21230,36,31
14234,47,34
64168,54,12
49934,06,78
85398,90,43
64168,54,12
1.
vekeoer leLee vekeoer mecelegue ceW neLe ceW vekeoer,
Yeejleere efj]peJe& yeQke SJeb Deve yeQke kes heeme yewuesvme
Deewj ceebie SJeb Deuhe metevee hej Oeve meceeefJe nw.
2.
232
Devebefkele omitted)
2.
719468260
425170816
Total
853989043
641685412
2012-13
To
The Shareholders of Bank of Baroda
1. nceves yeQke Dee@]He ye[ewoe keer 31 ceee& 2013 keer efJeeere efJeJejefCeeeb efpeveceW 31
ceee& 2013 kee legueve-he$e leLee Gmekes meeLe mebueive Ge efoveebke kees meceehle
Je<e& kes ueeYe-neefve uesKes vekeo heJeen efJeJejCe Deewj GuuesKeveere uesKeebkeve
veerefleeeW kee meejebMe Meeefceue nw, keer uesKee hejer#ee keer nw efpemeceW nceejs eje
uesKee-hejeref#ele 20 MeeKeeSb, MeeKee uesKee-hejer#ekeeW eje uesKee-hejeref#ele 1848
MeeKeeSb Deewj mLeeveere uesKee-hejer#ekeeW eje uesKee- hejeref#ele 49 efJeosMeer
MeeKeeDeeW keer efJeJejefCeeeb Meeefceue nQ. nceejs eje Deewj Deve uesKee-hejer#ekeeW
eje uesKee-hejer#ee keer ieF& MeeKeeDeeW kee egveeJe yeQke ves Yeejleere efjpeJe& yeQke
eje peejer efoMee-efveoxMeeW kes Devegmeej efkeee nw. legueve he$e leLee ueeYe-neefve
Keeles ceW 2408 MeeKeeDeeW (FveceW Ske efJeosMe ceW efmLele FkeeF& Yeer Meeefceue nw) keer
efJeJejefCeeeb Yeer Meeefceue keer ieF& nQ, efpevekeer uesKee-hejer#ee veneR keer ieeer nw. es
De-uesKeehejeref#ele MeeKeeSb 6.86 heefleMele Deefiece, 12.43 heefleMele peceejeefMeeeb,
6.17 heefleMele yeepe-Deee Deewj 13.24 heefleMele yeepe-Jee mes mebyebefOele nw.
2. yeQefkeieb efJeefveeceve DeefOeefveece 1949, Yeejleere efjpeJe& yeQke eje mecee mecee
Hej peejer efoMee efveoxMeeW leLee Yeejle ceW mJeerkeee& meeceeve uesKee hejer#ee
ceeveoC[eW kes Deveghe Fve efJeeere efJeJejefCeeeW kees leweej kejves kes efueS eyebOeve
efpeccesoej nw. Fme oeefelJe ceW efJeeere efJeJejefCeeeW kees leweej kejves nsleg Deebleefjke
efveeb$eCe, keeee&vJeeve SJeb hejsKee meefcceefuele nw Deewj FveceW, peeuemeepeer ee
Yetue keer Jepen mes keesF& GuuesKeveere ieueleer veneR nw.
uesKee hejer#ekeeW kee oeefelJe
3. nceeje oeefelJe Deheveer uesKee hejer#ee hej DeeOeeefjle Fve efJeeere efJeJejefCeeeW hej
Deheveer jee Jee kejvee nw. nceves Yeejleere meveoer uesKeekeej mebmLeeve eje
peejer uesKee hejer#ee ceevekeeW kes Devegmeej uesKee hejer#ee keer nw. Fve ceevekeeW keer
Dehes#ee nw efke nce veweflekelee kee efveJee&n kejles ngS uesKee hejer#ee keee&
megefveeesefpele SJeb megJeJeefmLele he ceW Fme ekeej mecheVe kejW efke nceW en
leeefke&ke DeeMJeemeve efceues efke es efJeeere efJeJejefCeeeb efkemeer Yeer ekeej keer
GuuesKeveere / ecegKe ieueefleeeW mes cege nw.
4. uesKee hejer#ee ceW jeefMeeeW kes mee#eeW SJeb ekeerkejCe keer peebe nsleg efJeeere efJeJejefCeeeW
ceW oer ieF& efve<heeove eefeee kes Deveghe keee&Jeener Meeefceue nw. eeefvele eefeee
(efJeefOe) uesKee hejer#eke kes efJeJeske hej efveYe&j nw, FmeceW efJeeere efJeJejefCeeeW ceW
GuuesKeveere ieueefleeeW kes peeseKf ece Yeues ner Jen peeuemeepeer ee Yetue keer Jepen mes neW,
kee cetueebkeve / Deekeueve kejvee Meeefceue nw. Fve peeseKf eceeW kee cetueebkeve kejles
mecee uesKee hejer#eke Fve efJeeere efJeJejefCeeeW keer Gheege emlegelf e nsleg FkeeF& kes
mecye Deebleefjke efveeb$eCeeW kee DeJeueeskeve kejlee nw leeefke heefjefmLeefle Devegmeej
233
2012-13
Gheege uesKee hejer#ee eefeee efveOee&ejf le keer pee mekes. uesKee hejer#ee ceW eyebOeve eje
efkeS ieS cenlJehetCe& Devegceeve leLee eege uesKeebkeve veerelf eeeW keer Gheegelee kee
cetueebkeve Deewj efJeeere efJeJejefCeeeW keer mecee emlegelf e kee Deekeueve meefcceefuele nw.
5. nceeje efJeMJeeme nw efke nceves pees uesKee hejer#ee mee#e eehle efkeee nQ, Jen nceejer
uesKee hejer#ee jee emlegle kejves kes efueS Gheege SJeb heee&hle nQ.
Matter of Emphasis
6. cenlJeHetCe& efJe<ee
DeHeveer jee osves mes Henues nce efvecveefueefKele keer Deesj Oeeve Deekeef<e&le kejles nQ:
i
efJelleere efJeJejCe kee vees eceebke Ke-1.3.3 efpemeceW Yeejleere efjpeJe& yeQke
(Yee.efj.yeQke) ves meeJe&peefveke #es$e kes yeQke kes kece&eeefjeeW kes efueS Hegve:
HeWMeve efJekeuHe Meer<e&ke kes lenle Fefvmet Dee@He ee&[ SkeeGbme Dee@He
Fbef[ee eje peejer HeefjHe$eebke [eryeerDees[er.yeerHeer yeermeer/80 /21.04.018/
2010-11 efoveebke 9 HejJejer, 2011 kes DevegHe uesKeebkeve ceeveke 15
(mebMeesefOele) kes eeJeOeeveeW ves Fmekes Debleie&le 31 ceee& 2013 kees ` 731.96
kejes[ keer jeefMe DeemLeefiele keer nw.
ii efJeeere efJeJejCe keer vees mebKee ie-8 keer Deesj Oeeve Deekeef<e&le kejles nQ
efpemeceW GuuesKe efkeee ieee nw efke Yeejleere efj]peJe& yeQke kes He$e e.[eryeerDees[er/
mbeKee/yeerHeer.1311/21.04.048/2010-11 efoveebke 25 pegueeF& eje eeHle
Devegceesove kes lenle kees-Dee@HejsefJe yeQke efue. keer efJeefMe mebHeeqe Deewj
oseleeDeeW kees ske DeesJej kejves mes 31 ceee& 2013 kees ngS iewj ceevelee
eeHle Iees keer kegue 62.20 kejes[ keer jeefMe kees Je<e& 2013-14 leke
DeevegHeeefleke DeeOeej Hej neee peees.
7. jee
nceejer jee ceW, yeQke keer yeefneeW ceW oMee&S ieS Devegmeej leLee nceejer DeefOekelece
peevekeejer Deewj nceW efoS ieS mheerkejCeeW kes Devegmeej :
i
Opinion
i.
vees kes meeLe Heef"le en legueve-He$e HetCe& Deewj mener nw, efpemeceW DeeJeMeke
efJeJejCe efoS ieS nQ Deewj Fmes eLeesefele {bie mes yeveeee ieee nQ, efpememes
efke, Yeejle ceW meeceevele: mJeerkeee& uesKeebkeve efmeebleeW kes meceHe vees
kes meeLe Heef"le yeQke kes 31 ceee&, 2013 kes efeeekeueeHeeW kee mener SJeb
eLeeeesie efe$e meeceves Dee mekes.
The Balance sheet, read with the notes thereon is a full and
fair Balance Sheet containing all the necessary particulars,
is properly drawn up so as to exhibit a true and fair view
of state of affairs of the Bank as on 31st March, 2013 in
conformity with accounting principles generally accepted in
India;
ii ueeYe-neefve uesKee, oer ieF& efhheefCeeeW kes meeLe heef"le Yeejle ceW meeceevele:
mJeerkeee& uesKeebkeve efmeebleeW kes meceHe leLee Keeles kes Je<e& kes efueS yeQke
kes mener ueeYe Mes<e kees oMee&lee nw.
ii. The Profit and Loss Account, read with the notes thereon
shows a true balance of profit, in conformity with accounting
principles generally accepted in India, for the year covered
by the account; and
iii vekeoer HeJeen-efJeJejCe Gme leejerKe kees meceehle Je<e& kes oewjeve vekeoer HeJeen
kee mener SJeb mHe< efJeJejCe emlegle kejlee nw.
iii. The Cash Flow Statement gives a true and fair view of the
cash flows for the year ended on that date.
9. Ghejese Devegso 1 mes 5 ceW JeefCe&le uesKee hejer#ee meerceeDeeW Deewj yeQkekeejer (kebheveer
234
2012-13
GheeceeW kee Depe&ve SJeb DeblejCe) 1970/1980 Deewj Fvekes Devleie&le ekeerkejCe
keer meerceeDeeW kes DeOeOeerve, nce metefele kejles nQ efke :
nceves DeHeves DeefOekelece %eeve SJeb efJeMJeeme kes Devegmeej uesKee-Hejer#ee nsleg
DeeJeMeke meYeer peevekeejer leLee mHe<erkejCe HeeHle efkeS nQ leLee GvnW
meblees<epeveke Heeee nw.
ii
yeQke kes mebJeJenejeW keer pees peevekeejer nceejs meeceves Deeeer nw, Jes yeQke kes
DeefOekeej #es$e kes Debleie&le ner nQ.
iii yeQke kes keeee&ueeeW Deewj MeeKeeDeeW mes HeeHle efJeJejefCeeeb uesKee-Hejer#ee nsleg
ke=les js SC[ js
meveoer uesKeekeej
SHeDeejSve: 301072 F&
(DeefceleeJe eewOejer)
Yeeieeroej
Sce. veb.: 056060
235
2012-13
Devegmeteer
SCHEDULE
Hetbpeer
Capital
422,51,75
412,38,46
32859,25,25
28103,91,87
ceeeveesefjer Fvjsm
Minority Interest
110,05,39
91,18,16
peceejeefMeeeb
Deposits
482638,89,30
392615,94,50
Borrowings
26552,94,25
23598,05,84
16804,67,25
12590,51,75
pees[
TOTAL
559388,33,19
457412,00,58
Deeefmleeeb
ASSETS
14151,18,45
22268,34,40
73550,88,21
43542,00,27
efveJesMe
Investments
125617,05,26
86697,00,36
333625,19,72
292077,13,69
Deeue Deeefmleeeb
Fixed Assets
10
2550,42,95
2428,19,01
Deve Deeefmleeeb
Other Assets
11
9893,58,60
10399,32,85
pees[
TOTAL
559388,33,19
457412,00,58
Deekeefmceke oseleeSb
Contingent Liabilities
205377,49,46
153154,98,92
26021,10,29
22862,48,49
cenlJehetCe& uesKee-veerefleeebb
18
Notes on Accounts
19
2A
12
THej oMee&eer ieeer Devegmetefeeeb legueve-He$e kee Ske DeefYevve Yeeie nQ.
The Schedules referred to above form an integral part of the Balance Sheet.
keee&Heeueke efveosMeke
keee&Heeueke efveosMeke
eer Jeer.kes.iegHlee
ceneHeyebOeke
(keeheexjs Keeles SJeb kejeOeeve SJeb cegefJeDe)
eer yeer. FueWiees
mene. ceneeyebOeke
(keeheexjs Keeles SJeb kejeOeeve)
mLeeve : cegbyeF&,
efoveebke : 13 ceF&, 2013
236
efveosMeke
eer
eer
eer
eer
eer
eer
eer
eer
Deeueeske efveiece
mego&Meve mesve
efJeefveue kegceej mekemesvee
Jeer. yeer. eJneCe
mele osJe ef$ehee"er
ceewefueve S. Jew<CeJe
megjW Sme Yeb[ejer
jepeerye Sme meent
uesKee Hejer#eke
mece leejerKe keer nceejer mebueive he=Leke efjhees& kes Devegmeej
ke=les ue#ceerefveJeeme veerLe SC[ keb.
ke=les yeeee SC[ keb.
ke=les js SC[ js
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHeDeejSve: 002460 Sme
SHeDeejSve : 000511 Sme
SHeDeejSve : 301072 F&
(oeeefveJeeme Mecee&)
Yeeieeroej
Sce. veb.: 216244
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
(DeefceleeJe eewOejer)
Yeeieeroej
Sce. veb.: 056060
(ieewjJe efcelleue)
Yeeieeroej
Sce. veb.: 099387
2012-13
31 ceee& 2013 kees meceehle Je<e& kee mecesefkele ueeYe Je neefve uesKee
Consolidated Profit & Loss Account for the year ended 31st March 2013
Devegmeteer
SCHEDULE
Year ended
Year ended
31st Mar 2013 31st Mar 2012
`
`
Deee
Deefpe&le yeepe
Deve Deee
pees[
Jee
yeepe Jee
heefjeeueve Jee
eeJeOeeve Deewj Deekeefmceke Jee
pees[
ceeFveesefjer Fvjsm mes hetJe& mecesefkele ueeYe
Deewj meneesieer FkeeFeeW ceW Deee kee DebMe
meneesieer FkeeFeeW ceW Deee kee DebMe
ceeFveesefjer Fvjsm jeefMe kece kejves mes
HetJe& Je<e& kes efueS mecesefkele Meg ueeYe
IeeSb : ceeFveesefjer Fvjsm
Je<e& kes efueS mecetn kee mecesefkele ueeYe
I. INCOME
Interest Earned
Other Income
TOTAL
II. EXPENDITURE
Interest Expended
Operating Expenses
Provisions and Contingencies
TOTAL
Consolidated Profit before Minority Interest
and share of earning in Associates
Share of earnings in Associates
Consolidated Net Profit for the year
before deducting Minority interest
Less : Minority Interest
Consolidated Profit for the year
attributable to the group
Deeies ueeF& ieF& ueeYe SJeb neefve Keeles ceW
Balance in Profit and Loss A/c brought
forward
Mes<e jeefMe
efJeefveeesie nsleg GheueyOe jeefMe
Amount available for appropriation
efJeefveeesie
III. APPROPRIATIONS
meebefJeefOeke eejef#ele efveefOe ceW DevlejCe
Transfer to Statutory Reserve
hetpb eer eejef#ele efveefOeeeW ceW DevlejCe
Transfer to Capital Reserve
Oeeje 36(1) (viii) kes lenle efJeMes<e Deejef#ele efveefOe ceW DeblejCe Transfer to Special Reserve u/s 36 (1) (viii)
jepemJe SJeb Deve eejef#ele efveefOeeeW ceW DeblejCe Transfer to Revenue & Other Reserves
emleeefJele ueeYeebMe (ueeYeebMe kej meefnle) Proposed Dividend (Including Dividend Tax)
mecesefkele yesueWmeMeer ceW Deeies ues peeee
Balance carried over to consolidated
Balance Sheet
ieee Mes<e
efveJesMe efj]peJe& Keelee
Investment Reserve Account
pees[
TOTAL
Heelf eMesej Deee (yesemf eke Je [eeuet[s ) (`.) Earnings per Share (Basic & Diluted) (`.)
(meebkesefleke cetue eefle Mesej `10)
(Nominal value per share ` 10)
cenlJehetCe& uesKee-veerefleeebb
Significant Accounting Policies
uesKeeW Hej efHHeefCeeeb
Notes on Accounts
13
36442,05,74
30488,49,36
14
4510,62,31
40952,68,05
4100,41,66
34588,91,02
15
16
19 (8)
24486,41,13
6306,36,43
5409,42,73
36202,20,29
4750,47,76
19724,34,35
5455,54,49
4192,73,51
29372,62,35
5216,28,67
17
78,54,25
4829,02,01
53,12,40
5269,41,07
24,79,00
4804,23,01
20,83,69
5248,57,38
178,72,72
138,66,20
4982,95,73
5387,23,58
1148,70,91
81,44,81
852,48,82
1559,49,62
1059,62,50
281,19,07
1272,75,29
47,72,04
537,15,33
2607,32,89
812,29,04
178,72,72
4982,95,73
116.70
(68,73,73)
5387,23,58
134.01
19 (12)
18
19
THej oMee&F& ieF& Devetmetefeeeb legueve He$e kee Ske DeefYevve Yeeie nQ
S S MUNDRA
Chairman & Managing Director
P Srinivas
Executive Director
Ranjan Dhawan
Executive Director
Shri V K Gupta
General Manager
Corp A/cs & Taxation and CFO
Shri B Elango
DIRECTORS
Shri Alok Nigam
Shri Sudarshan Sen
Shri Vinil Kumar Saxena
Shri V B Chavan
Shri Satya Dev Tripathi
Shri Maulin A Vaishnav
Shri Surendra S Bhandari
Shri Rajib S Sahoo
AUDITORS
As per our separate report of even date attached
Place : Mumbai
Date : 13th May 2013
237
2012-13
Devegmeteer - 1 Hetbpeer
HeeefOeke=le Hetbpeer
(eleske `10/- kes 300,00,00,000
FefkeJeer Mesej)
(efheues Je<e& eleske `10/- kes
300,00,00,000/- Mesej)
peejer keer ieeer leLee DeefYeoe
Hetbpeer
eleske `10/- kes 42,39,89,803
FefkeJeer Mesej (efheues Je<e& eleske `10 kes
41,38,56,883 Mesej) ceebieer ieF& SbJe eolle Hetbpeer
eleske `10/- kes 42,12,56,303
(efHeues Je<e& 41,11,23,383) FefkeJeer
Mesej) efpemeceW 23,34,12,499 FefkeJeer
Mesej (efHeues Je<e& 22,32,79,579 Mesej)
Meeefceue nQ, efpemekeer kegue jeefMe ` 233.41
kejes[ kesv mejkeej eje Oeeefjle nw.
238
the year
iii Share Premium
3000,00,00
3000,00,00
423,98,98
413,85,69
421,25,63
411,12,34
SCHEDULE - 1 CAPITAL
AUTHORISED CAPITAL
(300,00,00,000 Shares of `.10/each)
(previous year 300,00,00,000shares of `.10/- each)
ISSUED & SUBSCRIBED
CAPITAL
42,39,89,803 Equity Shares of
`10/- each
(previous year 41,38,56,883
shares of `. 10/- each)
CALLED-UP & PAID-UP CAPITAL
42,12,56,303 (previous year
41,11,23,383) Equity Shares
of `10 each including
23,34,12,499 Equity Shares
(previous
year 22,32,79,579 Shares)
amounting to ` 233.41 crores
held by Central Government
omitted)
1,26,12
1,26,12
422,51,75
412,38,46
5961,90,74
4680,52,76
1148,70,91
1272,75,29
(6,727)
7109,94,38
8,62,69
1994,15,79
2087,59,50
81,44,81
47,72,04
(91,33,11)
1984,27,49
67,90,84
2,27,92
(141,15,75)
5961,90,74
1994,15,79
55,21,69
70,18,76
12,69,15
67,90,84
2012-13
(000 Devebefkele
31 ceee&, 2013 kees
DeejbefYeke Mes<e
pees[W/(IeeSb) : Je<e& kes oewjeve HeefjJeOe&ve
/ meceeeespeve
iv jepemJe SJeb Deve Heejef#ele efveefOeeeb
Opening Balance
during the year
iv Revenue & Other Reserves
a. Special Reserves u/s 36 (1)
(viii)
Opening Balance
P&L Account
b. Translation Reserves
pecee jeefMeeeb
4764,80,59
839,86,71
7229,78,50
1567,55,20
852,48,82
1625,11,20
6389,91,79
1030,39,87
2420,04,02
537,15,33
1027,53,49
1567,55,20
758,98,33
HeejbefYeke Mes<e
pees[W / (IeeSb): Je<e& kes oewjeve efkeS ieS
meceeeespeve
kegue ceeFveesefjer Fvjsm
Devegmeteer - 3 pecee jeefMeeeb
ke. I ceebie pecee jeefMeeeb
i) yewkeeW mes
ii) DeveeW mes
II yeele yeQke pecee jeefMeeeb
III ceereeoer pecee jeefMeeeb
i) yeQkeeW mes
ii) DeveeW mes
pees[ (I, II SJeb III)
Ke. I Yeejle ceW MeeKeeDeeW keer peceejeefMeeeb
Add/(Less): Adjustments
6389,91,79
omitted)
Accounts
Add: Additions/Adjustments
during the year
(68,73,73)
11184,76,46
8595,64,29
1559,49,62
2607,32,89
(7,96,54) 12736,29,54
Interest
Opening Balance
Add/(Less): Adjustments during
the year
Total Minority Interest
68,73,73
11184,76,46
281,19,07
178,72,72
32859,25,25
28103,91,87
91,18,16
18,87,23
(18,20,72)
72,90,64
110,05,39
18,27,52
91,18,16
110,05,39
91,18,16
1321,42,53
35145,20,17 36466,62,70
86416,08,82
1052,06,30
28460,40,59 29512,46,89
76429,30,62
SCHEDULE - 3 DEPOSITS
A. I Demand Deposits
i) From Banks
ii) From Others
II Savings Bank Deposits
III Term Deposits
i) From Banks
ii) From Others
TOTAL (I,II and III)
B. I Deposits of branches in
India
II Deposits of branches
outside India
TOTAL (I & II)
72655,88,98
53301,53,18
287100,28,80 359756,17,78 233372,63,81 286674,16,99
482638,89,30
392615,94,50
345069,65,33
283253,58,77
137569,23,97
482638,89,30
109362,35,73
392615,94,50
239
2012-13
(000 Devebefkele
31 ceee&, 2013 kees
SCHEDULE - 4 BORROWINGS
I Borrowings in India
i) Reserve Bank of India
ii) Other Banks
iii) Other Institutions and
Agencies
iv) IPDI
335,41,89
168,00,86
98,70,15
377,06,24
1911,70,00
1911,70,00
5000,00,00
5000,00,00
2490,00,00
iv) DeeF&heer[erDeeF&
efueKelesb
omitted)
9835,82,04
2490,00,00
9946,77,10
16717,12,21
13651,28,74
26552,94,25
23598,05,84
2767,77,47
523,16,34
I ose efyeue
SCHEDULE - 5
OTHER LIABILITIES AND
PROVISIONS
I Bills Payable
1467,52,72
1390,73,66
II Gheefele yeepe
II Interest Accrued
3330,48,89
2837,26,46
416,48,83
240
Total (I to VI)
1,11,60
256,73,26
1834,11,82
1402,80,16
9754,93,39
6702,98,21
16804,67,25
12590,51,75
1648,75,55
1267,80,21
SCHEDULE - 6
CASH AND BALANCES WITH
RESERVE BANK OF INDIA
I Cash in hand (including
foreign currency notes)
II Balances with Reserve Bank
of India/ Central Bank :
i) in Current Account
ii) in Other Accounts
12261,30,04
20901,20,65
241,12,86 12502,42,90
99,33,54 21000,54,19
14151,18,45
22268,34,40
SCHEDULE - 7
BALANCES WITH BANKS
AND MONEY AT CALL AND
SHORT NOTICE
I In India
i) Balances with Banks
a) in Current Accounts
1412,54,03
b) in Other Deposit
Accounts
4220,57,71
330,76,38
5633,11,74
4105,69,13
4436,45,51
2012-13
(000 Devebefkele
31 ceee&, 2013 kees
vi) Deve
pees[ (i mes vi)
II Yeejle mes yeenj efveJesMe
i) mejkeejer He e f l eYet e f l eeeb (mLeeveer e
HeeefOekejCeeW meefnle)
ii) meneesieer FkeeFeeW ceW efveJesMe
iii) Deve
pees[ (i mes iii)
kegue pees[ (I SJeb II)
III Yeejle ceW efveJesMe
efveJesMeeW kee mekeue cetue
IeeSb: cetueeme nsleg HeeJeOeeveeW kee pees[
Meg efveJesMe
IV Yeejle mes yeenj efveJesMe
2445,00,00
64,116,911
omitted)
60,00,00
8856,69,11
14489,80,85
60,00,00
4496,45,51
II Outside India
i) in Current Accounts
11931,49,49
7968,12,23
24771,17,03
15829,53,01
15247,89,52
39045,54,76
73550,88,21
43542,00,27
I Investments in India in
i) Govt Securities
103105,14,17
70043,86,02
877,97,02
354,75,58
1963,98,98
1868,03,03
3237,12,77
3292,91,03
442,62,67
324,61,23
9481,72,61
5084,31,81
v) Investment in Associates
[includes Bank's share of
contribution as advance
of ` 152.91 Crores
(Previous year `112.82
Crores) towards Share
Capital of RRBs pending
allotment]
vi) Others
Total (i to vi)
119108,58,22
80968,48,70
3654,33,68
3313,60,80
52,13,96
45,71,39
2801,99,40
Total (i to iii)
Grand Total (I & II)
2369,19,47
6508,47,04
5728,51,66
125617,05,26
86697,00,36
119888,51,17
81529,17,41
Less: Aggregate of
Provisions for Depreciation
Net Investments
779,92,95
560,68,71
119108,58,22
80968,48,70
6649,69,12
5878,59,69
141,22,08
6508,47,04125617,05,26
150,08,03
5728,51,66 86697,00,36
241
2012-13
(000 Devebefkele
31 ceee&, 2013 kees
Devegmeteer - 9 Deefiece
ke. i) Kejeros Deewj YegveeS ieS efyeue
ii) vekeoer $e+Ce, DeesJej [^eHe Deewj ceebie
48465,25,50
39163,13,03
141144,04,92
123765,58,53
144015,89,30
129148,42,13
333625,19,72
292077,13,69
SCHEDULE - 9 ADVANCES
A. i) Bills Purchased and
Discounted
ii) Cash Credits, Overdrafts and
Loans Repayable on Demand
231529,38,59
194479,76,82
60096,36,34
50443,30,96
iii) iewj-peceeveleer
iii) Unsecured
41999,44,79
47154,05,91
Total (i to iii)
Devegmeteer-10
Deeue Deeefmleeeb
I Heefjmej
efJeiele Je<e& kes 31 ceee& keer ueeiele Hej
SCHEDULE - 10
242
omitted)
333625,19,72
292077,13,69
C. I Advances in India
i
Priority Sector
ii Public Sector
iii Banks
iv Others
80547,18,49
65858,35,26
22539,48,53
23704,68,11
2602,37,07
2112,62,71
41504,68,62
33344,02,10
b) Syndicated Loans
14805,44,76
12087,44,47
c) Others
333625,19,72
292077,13,69
FIXED ASSETS
I Premises
At cost as on 31st March of
the preceding year
Additions/Adjustments
during the year (Includes
revalued amount)
Less : Deductions/adjustments
during the year
Depreciation to date
2628,79,85
2530,11,73
48,96,79
2677,76,64
99,94,90
2630,06,63
71,41
2677,05,23
1,26,78
2628,79,85
922,67,95
1754,37,28
825,27,92
2459,32,73
2167,11,20
1803,51,93
2012-13
(000 Devebefkele
31 ceee&, 2013 kees
Additions/Adjustments
during the year
352,91,50
2520,02,70
62,68,29
2905,81,51
60,69,97
2459,32,73
Depreciation to date
2114,44,85
II GHeefele yeepe
1841,74,57
617,58,16
II Leased Assets
At cost
Additions/Adjustments
during the year
8,66,05
19,34,17
1,96,06
3,27,77
10,62,11
22,61,94
3,28,07
13,95,89
Depreciation to date
2,65,03
7,34,04
509,17,07
2968,49,80
791,36,66
omitted)
8,66,05
4,69,01
1,57,13
2550,42,95
7,08,92
2428,19,01
SCHEDULE - 11
OTHER ASSETS
I Inter-Office Adjustments
(Net)
II Interest Accrued
III Deefiece kej Yegieleeve/eesle Hej kej keewleer III Tax paid in advance/tax
deducted at source (net of
(eeJeOeeveeW kee efveJeue)
Provisions)
IV
Stationery and Stamps
IV msMevejer SJeb mwche
392,47,97
3704,32,84
3530,54,00
3401,38,01
2017,81,20
6,66,61
7,18,28
97,95,60
11,90,31
VI Deve
VI Others
2683,25,54
4439,41,09
Total (I to VI)
9893,58,60
10399,32,85
69,20,11
78,60,61
28,00
28,00
136045,12,51
93060,59,01
SCHEDULE - 12
CONTINGENT LIABILITIES
I Claims not acknowledged as
debts
II
Liability for partly paid
II DeebefMeke egkelee efveJesMeeW kes efueS oselee
Investments
III yekeeee Jeeeoe efJeefvecee mebefJeoeDeeW kes III Liability on account of
outstanding forward
keejCe oselee
exchange contracts
IV mebIekeeW keer Deesj mes oer ieF& ieejbefeeb IV Guarantees given on behalf
of constituents :
a) In India
ke) Yeejle ceW
b) Outside India
Ke) Yeejle mes yeenj
V
Acceptances, Endorsements
V mJeerke=efleeeb, Hejebkeve Deewj Deve oeefelJe
VI Deekeefmceke oselee keer Deve ceoW
14304,50,45
13791,49,63
14693,49,97 28998,00,42
10331,24,44 24122,74,07
19163,58,23
18165,81,55
21101,30,19
17726,95,68
205377,49,46
153154,98,92
243
2012-13
Year ended 31st March 2013 Year ended 31st March 2012
`
`
`
`
Devegmeteer - 13
Deefpe&le yeepe SJeb ueeYeebMe
SCHEDULE - 13
INTEREST AND DIVIDENDS
EARNED
yee
I Interest/Discount on
Advances/Bills
26611,34,35
22866,00,82
II Income on Investments
7887,88,36
6435,99,52
1538,39,38
901,69,34
404,43,65
284,79,68
36442,05,74
30488,49,36
1313,28,56
1274,15,11
(1,22,56)
7987
IV Deve
IV Others
Devegmeteer - 14
Deve Deee
SCHEDULE - 14
OTHER INCOME
822,55,53
702,63,74
635,21,53
609,46,61
1,44,54
52,17
VI Deefpe&le eerefceece
VI Premium earned
569,52,83
569,52,83
1169,81,88
943,31,33
4510,62,31
4100,41,66
Devegmeteer - 15
yeepe Jee
SCHEDULE - 15
INTEREST EXPENDED
I Interest on Deposits
23062,97,76
18146,99,74
466,94,52
641,92,27
956,48,85
935,42,34
24486,41,13
19724,34,35
(neefve) (Meg)
III Others
244
2012-13
Year ended 31st March 2013 Year ended 31st March 2012
`
`
`
`
Devegmeteer - 16
Heefjeeueve Jee
SCHEDULE - 16
OPERATING EXPENSES
HeeJeOeeve
3615,95,10
3117,26,75
556,35,16
439,41,97
II
60,63,22
42,01,31
74,27,02
75,21,34
V a) Depreciation on Banks
Property other than Leased
Assets
b) Depreciation on Leased
Assets
320,60,26
1,09,86
294,47,07
321,70,12
1,01,09
295,48,16
3,28,81
2,49,19
35,84,73
41,11,14
34,61,22
24,03,73
IX Postages, Telegrams,
Telephones etc.
124,49,82
103,65,53
190,98,91
174,32,70
XI yeercee
XI Insurance
305,06,35
284,13,69
983,15,97
856,38,98
TOTAL (I to XII)
6306,36,43
5455,54,49
Devegmeteer - 17
meneesieer FkeeFeeW ceW
Deee kee DebMe
SCHEDULE - 17
SHARE OF EARNINGS IN
ASSOCIATES
I RRBs
80,07,16
51,38,36
II Deve
II Others
(1,52,91)
1,74,04
78,54,25
53,12,40
245
2012-13
Devegmeteer 18: 31 ceee& 2013 kees meceehle Je<e& kes efueS mecesekf ele efJeeere efJeJejefCeeeW keer cenlJehetCe& uesKeebkeve veerelf eeeb
Schedule 18 : Significant Accounting Policies on the Consolidated Financial Statements for
the year ended 31st March 2013
1.
1.
1.1
yeQke (cetue), Fmekeer Deveg<ebefieeeW mebege GeceeW Deewj meneesieer FkeeFeeW keer
mecesefkele efJeeere efJeJejefCeeeb (meerSHeSme) HejcHejeiele ueeiele kes DeeOeej Hej
yeveeF& ieF& nQ Deewj meYeer JeemleefJeke HenuegDeeW kes meboYe& ceW, Yeejle keer MeeKeeDeeW/
keeee&ueeeW kes efJe<ee ceW Yeejle ceW Deewj efJeosMeer MeeKeeDeeW/keeee&ueeeW kes efJe<ee
ceW mebye osMe ceW Heeeefuele meebefJeefOeke HeeJeOeeveeW SJeb efJeOeeDeeW kes DevegHe, peye
leke efke keesF& DeveLee GuuesKe ve efkeee ieee nes, yeveeF& ieF& nQ.
1.2 Devegceeveesb kee Gheeesie
efJeeere efJeJejCeeW kees leweej kejves ceW efJeeere efJeJejCe keer leejerKe kees efjHees&
keer ieF& Deeefmle SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) leLee efjHees& keer
ieF& DeJeefOe nsleg Deee SJeb Jee mebyebOeer jeefMe kees efjHees& kejves nsleg HeyebOeve
kees keg DevegceeveeW Deewj DeekeueveeW kees DeeOeej yeveevee He[lee nw. HeyebOeve kee
efJeMJeeme nw efke efJeeere efJeJejCe kees leweej kejves kes efueS Heegkele Deekeueve
efJeJeskeHetCe& Deewj Gefele nw.
2.
meceskeve Heefeee
2.1 mecetn (12 Deveg<ebefieeeb, 6 meneesieer FkeeFeeW leLee 3 mebegkele Gece) keer
mecesefkele efJeeere efJeJejefCeeeb efvecveefueefKele kes DeeOeej hej leweej keer ieF& nQ :
USE OF ESTIMATES:
2.
COnSOLiDATiOn PROCEDURE:
2.1
a.
b.
ie)
c.
Ie)
d.
2.2 uesKeebkeve veerefleeeW ceW Devlej nesves keer efmLeefle ceW Deveg<ebefieeeW, mebegkele Gece SJeb
meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeW kees, peneb keneR DeeJeMeke leLee
JeJeneefjke nes, cetue keer uesKee-veerefleeeW kes DevegHe meceeeesefpele efkeee ieee
nw.
2.2
2.3 mecesefkele efJeeere efJeJejefCeeeW kes ceeFveesefjer Fvjsm ceW Deveg<ebefieeeW keer Meg
FefkeJeer/ueeYe ceW ceeFveesefjer MesejOeejkeeW kes DebMe meceeefnle nw.
2.3
246
2012-13
2.4 cetue mebmLee eje Fmekeer Deveg<ebefieeeW ceW efkeS ieS efveJesMe keer ueeiele Deewj
Deveg<ebefieeeW ceW FefkeJeer ceW cetue mebmLee kes efnmmes keer ueeiele Deblej kees ieg[efJeue/
Heejef#ele Hetbpeer, pewmee Yeer ceeceuee nes, kes He ceW ceevee ieee nw.
2.4
3.
3.
inVESTMEnTS:
3.1 JeieeakejCe
cetue mebmLee leLee Fmekeer Iejsuet Deveg<ebefieeeW kes efveJesMe Hees&Heesefueees kees
Yeejleere efjp] eJe& yeQke kes efoMee efveoxMeevegmeej efvecveevegmeej Jeieeake=le efkeee ieee nw :
(ke) HeefjHekeJelee leke Oeeefjle efveJesMe jeefMeeeW ceW HeefjHekeJelee leke jKeves
kes GsMe mes HeeHle efveJesMe Meeefceue nQ.
(Ke) JeeHeej nsleg Oeeefjle ceW Jes efveJesMe Meeefceue nQ efpevnW JeeHeej kes GsMe
mes HeeHle efkeee ieee nw.
(ie) efyeeer nsleg GHeueyOe ceW Jes efveJesMe Meeefceue nQ pees GHejeskele ke leLee
Ke ceW Meeefceue veneR nQ DeLee&led pees ve lees JeeHeej kes GsMe mes HeeHle efkeS
ieS nQ Deewj ve ner HeefjHekeJelee leke jKeves kes GsMe mes HeeHle efkeS ieS nQ.
3.2 DeefOeenCe ueeiele
3.1
Classification
efveJesMe
(b)
(c)
3.2
Acquisition Cost
Cost of Acquisition of Investments is net of incentives,
front-end fees and commission.
3.3
Basis of Valuation
Investments classified as HTM are carried at weighted
average acquisition cost unless it is more than the face
value, in which case the premium is amortized over the
period remaining to maturity.
Investments classified as HTM includes debentures /
bonds which are deemed to be in the nature of / treated
as advances (for which provision is made by applying
the RBI prudential norms of assets classification and
provisioning applicable to advances).
Investments in Regional Rural Banks, Treasury Bills,
Commercial Papers and Certificates of Deposit which
have been valued at carrying cost.
Parents investment in units of VCFs made after
23.08.2006 are classified under HTM category for initial
period of three years and are valued at cost. After period
of three years from date of disbursement, it will be shifted
to AFS and marked-to-market as per RBI guidelines.
Investments classified as HFT and AFS are marked to
market, scrip-wise and the resultant net depreciation if
any in each category disclosed in the Balance Sheet is
recognized in the Profit and Loss Account, while the net
appreciation, if any, is ignored.
Investments made by the Parent as Primary Dealer in
Treasury Bills under HFT category have been valued at
carrying cost.
For the purpose of valuation of quoted investments in
HFT and AFS categories, the market rates/quotes on
the Stock exchanges, the rates declared by Primary
Dealers Association of India (PDAI)/ Fixed Income
Money Market and Derivatives Association (FIMMDA)/
Foreign Exchange Dealers Association of India (FEDAI)
are used.
Investments for which such rates / quotes are not
available are valued as per norms laid down by Reserve
247
2012-13
Yeejleere efj]peJe& yeQke (DeejyeerDeeF&) eje efveOee&efjle ceeveoC[eW kes Devegmeej efkeee
ieee nw pees efvecveevegmeej nQ :-
Government / Approved
securities
Equity
Shares, PSU
and Trustee
shares
Preference
Shares
PSU Bonds
Units of
Mutual
Funds
Venture
Capital
3.4
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW keer efyeeer Hej ueeYe/
neefve kees mebyebefOele efveJesMeeW keer Yeeefjle Deewmele ueeiele/yener cetue kes DeeOeej
Hej ueeYe SJeb neefve Keeles ceW Debefkele efkeee peelee nw SJeb HeefjHekeJelee leke
Oeeefjle JeieeakejCe ceW mebyebefOele efveJesMeeW kes yener cetue kes mecelegue ueeYe kees
Heejef#ele Hetbpeer Keeles ceW efJeefveeesefpele efkeee peelee nw.
SSheSme/SeSheer esCeer kes efveJesMeeW keer efyeeer hej ngF& ueeYe/neefve kees ueeYe
SJeb neefve Keeles ceW efueee ieee nw.
3.5 yeQke kes eje efveJesMeeW kes efueS, efveheeve leejerKe DeeOeej hej mecehe uesKee eCeeueer
kee DevegmejCe efkeee pee jne nw.
Disposal of Investment
3.6
3.6 efJeosMeer MeeKeeDeeW ceW efveJesMe kes mecyebOe ceW Yeejleere efj]peJe& yeQke DeLeJee cespeyeeve
osMeeW kes efoMee-efveoxMeeW kee, oesveeW ceW mes pees DeefOeke ke"esj neW, kee DevegHeeueve
efkeee peelee nw. Ssmeer MeeKeeDeeW kes ceeceues ceW pees Ssmes osMeeW ceW efmLele nw peneb
keesF& efJeefMe< efoMeeefveoxMe veneR nw, Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kee
Heeueve efkeee peelee nw.
3.7
3.7 Fve esefCeeeW kes yeere HeefleYetefleeeW kes DeblejCe keer ieCevee, DeblejCe keer leejerKe
kees Gmekeer DeefOeienCe ueeiele/yener cetue/ yeepeej cetue ceW mes pees Yeer kece nes,
Hej keer ieF& nw Deewj Ssmes DeblejCe kes HeuemJeHe DeeS cetueeme, eefo keesF&
nw, kes efueS HeeJeOeeve efkeee ieee nw.
3.8
3.9
3.8 Iejsuet iewjefve<heeoke eefleYetefleeeW mes mebyebefOele Deee kees veneR efueee ieee nw.
Deewj Fve eefleYetefleeeW kes cetue ceW cetueeme kes efueS Yeejleere efj]peye& yeQke kes
efveoxMeevegmeej eeJeOeeve efkeee ieee nw.
3.9 jshees / efjJeme& jshees
yeQke ves Hegve: Kejero leLee HeleeJeefle&le Hegve: Kejero uesveosveeW kees uesKeebefkele
248
kejves nsleg Yeejleere efj]peJe& yeQke eje yeleeF& ieF& Ske meceeve uesKee HeCeeueer kees
DeHeveeee nw. jshees / efjJeme& jshees Keeles ceW Mes<e jeefMe kees efveJesMe Keeles ceW Mes<e
jeefMe keer SJepe ceW meceeeesefpele keer ieF& nw. (Yeejleere efj]peJe& yeQke kes meeLe
eue efveefOe meceeeespeve eespevee (SueSSHe) kes Debleie&le ngS uesveosveeW kees
es[kej). efjHees SJeb efjJeme& efjHees uesveosveeW kees, mencele MeleeX Hej HegveKe&jero
kejves kes mecePeewles kes meeLe mebHeeeqe&ke GOeej/$e+Ce kes He ceW efueee ieee nw.
efjhees kes Devleie&le yeseer ieF& eefleYetefleeeb GvnW efjJeme& efjhees kes lenle efveJesMe Je
Kejeroer ieF& eefleYetefleeeW kes he ceW oMee&ee ieee nw, leLee GvnW efveJesMeeW ceW
Meeefceue veneR efkeee ieee nw. ueeiele leLee jepemJe keer ieCevee yeepe Jee/
Deee pewmee Yeer ceeceuee nes kes efnmeeye mes keer ieF& nw.
Yeejleere efj]peJe& yeQke kes meeLe eueefveefOe meceeeespeve megefJeOee kes lenle Kejeroer
/ efyeeer keer ieF& eefleYetefleeeb efveJesMe Keeles ceW veeces / pecee keer ieeer nQ leLee FvnW
mebJeJenej keer heefjhekeJelee hej efjJeme& kej efoee ieee nw. Fve hej Jee / Deefpe&le
efkees ieS yeepe kees Jee / ueeiele kes he ceW uesKeebefkele efkeee ieee nw.
3.10 [sefjJesefJme :
yeQke Jele&ceeve ceW yeepe ojeW leLee cege [sefjefJeefJme ceW [erue kejlee nw. yeQke eje
JeJeneefjle yeepe oj [sefjefJeefJme ceW Heee yeepe oj mJewHe, efJeosMeer cege yeepeoj
mJesHe leLee HeejJe[& js SieerceWdme Meeefceue nQ. yeQke eje JeJenej ceW ueees peeves
Jeeues cege [sefjJesefJme ceW Dee@HMeve leLee cege mJesHme nQ.
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes DeeOeej Hej, [sefjJesefJme kee cetueebkeve
efvecveevegmeej efkeee peelee nw :
cetueebkeve kes GsMe mes kegue mJewhe kes Gefele cetue keer ieCevee Gme jeefMe kes
DeeOeej hej keer ieeer nw pees efke leguevehe$e keer leejerKe kees mJewhe mecePeesleeW mes
mebyebefOele uesve-osve keer meceeefhle hej eehe ee ose nesiee. Fmemes mebyebefOele neefve,
eefo keesF& nes, kes efueS hetCe& eeJeOeeve efkeS ieS nQ peyeefke ueeYe, eefo keesF&
nes, kees es[ efoee ieee nw.
4.
2012-13
efJeosMeer cege Jeeues [sefjJeserJe mebefJeoeDeeW mes mebyebefOele Deekeefmceke oseleeDeeW kees
leguevehe$e keer leejerKe kees hes[eF& eje DeefOemetefele keueesefpebie efJeefvecee ojeW
hej efjhees& efkeee ieee nw.
ADVAnCES:
Deefiece
4.1
4.1 cetue mebmLee leLee Fmekeer Iejsuet meneesieer mebmLeeDeeW kes Deefiece ceeveke,
DeJeceeveke, mebefoiOe SJeb neefve DeeefmleeeW kes He ceW Jeieeake=le efkeS ieS nQ Deewj
Fve hej ngF& neefve kes mebyebOe ceW Yeejleere efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe&
ceeveoC[eW kes Devegmeej eeJeOeeve efkeS ieS nQ. efJeosMeer MeeKeeDeeW leLee Deveg<ebefieeeW
eje efkeS ieS Deefece kes mebyebOe ceW DeefeceeW kee JeieeakejCe Yeejleere efj]peJe&
yeQke DeLeJee cespeyeeve osMe, efpemeceW Deefiece efoee ieee nw, kes DevegHe efkeee
ieee nw, Fve ceW mes pees Yeer DeefOeke ke"esj nes.
249
2012-13
4.2 Deefiece jeefMe, Gevle Keeles kes yeepe, Jeeoiemle efJeefJeOe pecee KeeleeW ceW HeeHle
SJeb jKeer ieF& jeefMe, HeeHle keuesce Deewj iewj efve<Heeefole DeefieceeW kes efueS efkeS
ieS HeeJeOeeve kes yeeo keer jeefMe nw.
4.3 Hegveefve&Oee&efjle/Hegveie&ef"le KeeleeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes ceeie&
efveoxMeeW kes Devegmeej ceewpetoe cetue MeleeX ceW Deebkes iees yeepe neefveeeW kes efueS
HeeJeOeeve efkeee ieee nw.
4.4 Deeefmle Hegveie&"ve kebHeveer (SDeejmeer)/peebe kebheveer (Smemeer) kees yeseer ieF& DeeefmleeeW
kes ceeceues ceW eefo efyeeer Meg yener cetue (Sveyeer Jeer) (DeLee&le yener cetue IeeSb
Oeeefjle eeJeOeeve) mes kece cetue Hej keer ieF& nes lees neefve (keceer) kees ueeYe neefve
Keeles ceW veeces efkeee ieee nw. eefo efyeeer cetue, Meg yener cetue mes peeoe nw
lees Deefleefjkele HeeJeOeeve jeefMe kees efjJeme& veneR efkeee ieee nw Deefheleg Fmekee
Gheeesie otmejer iewj efve<heeoke DeeefmleeeW keer efyeeer kes HeuemJehe keceer / Iees
kees hetje kejves kes efueS efkeee ieee nw.
5.
Deeue Deeefmleeeb
6.
7.
4.2
4.3
4.4
5.
FiXED ASSETS:
5.1
5.2
6.
jepemJe SJeb Deve Heejef#ele efveefOeeeW ceW mecye osMeeW ceW Heeefuele mLeeveere
keevetveeW kes Devegmeej efJeosMeer MeeKeeDeeW eje efveefce&le meebefJeefOeke Heejef#ele efveefOeeeW
kees Meeefceue efkeee ieee nw.
7.
REVEnUE RECOGniTiOn:
1.
2.
3.
4.
1.
Premium Income:
ke. peye leke DeveLee GuuesefKele ve nes, Deee (HewjeeeHe 7.2 ceW GequueefKele ceo
mes efYeVe) / Jee kee efveOee&jCe GHeee DeeOeej Hej efkeee ieee nw. efJeosMeer
keeee&ueeeW kes ceeceues ceW mecye osMe peneb efJeosMeer keeee&uee efmLele nw, mLeeveere
efveeceeW kes lenle Deee kee efveOee&jCe efkeee ieee nw.
Ke. MegukeeW kes ceeOece mes HeeHle Deee, mejkeejer keejesyeej kees es[kej keceerMeve,
ieejber, meeKehe$e hej keceerMeve, efJeefvecee, oueeueer leLee Deefleose efyeueeW/Deefiece
efyeueeW Hej yeepe kees JeemleefJeke Jemetueer DeeOeej Hej efnmeeye ceW efueee ieee nw.
Deveg<ebefieeeW, mebegkele GeceeW leLee meneesieer FkeeFeeW ceW MesejeW ceW ueeYeebMe kees
Jemetueer DeeOeej Hej efnmeeye ceW efueee ieee nw.
ie. iewj efve<Heeefole DeefieceeW leLee efveJesMeeW kes ceeceueeW ceW Deee keer Jemetueer keer
Deefveefelelee kes keejCe Ssmeer Deee Yeejleere efj]peJe& yeQke ceeie&efveoxMeeW kes
Devegmeej kesJeue Jemetue nesves Hej ner uesKeebefkele keer ieF& nw.
Ie. Heefjeeueve ueerpe Hej ueer ieF& DeeeqmleeeW kes efueS ueeiele Je=ef meefnle ueerpe
YegieleeveeW kees DeeF&meerSDeeF& eje peejer SSme 19 (ueerpe) kes Devegmeej ueerpe
ce& Hej ueeYe SJeb neefve uesKee ceW efnmeeye ceW efueee peelee nw.
250
hegveyeeacee nesves hej heehle keceerMeve kees Gme DeJeefOe ceW Deee kes he ceW eEnmeeye
ceW efueee peelee nw peye hegveyeeacee heerefceece heehle neslee nw.
Ke. eEueke[ efveefOeeeW mes Deee
2.
hegveyeeacee heerefceece
3.
[.
heoe ueeYeeW ceW hee@efuemeer ueeYe leLee oeJee efveheeve ueeiele, eefo keesF& nes,
Meeefceue nQ.
ce=leg, DevegJe=ef (jeF[j) leLee DeYehe&Ce oeJeeW kees metevee heehle nesves hej
efnmeeye ceW efueee peelee nw.
GejpeerJeer ueeYe oeJeeW leLee heefjhekeJelee oeJeeW kees ose nesves hej ieCevee ceW
efueee peelee nw.
eEueke[ heeefueefmeeeW kes lenle DeenjCeeW leLee DeYehe&CeeW kees mebyebefOele eespeveeDeeW
ceW leye efnmeeye ceW efueee peelee nw. peye Deveg<ebieer etefveW efvejmle nes peeleer nw.
oeJeeW hej hegveyeeacee Jemetueer kees mebyebefOele oeJeeW keer Gmeer DeJeefOe ceW efnmeeye ceW
efueee peelee nw.
DeefOeienCe ueeiele
DeefOeienCe ueeie Ssmeer ueeiele nw pees efYeVe-efYeVe nesleer nQ Deewj yeercee mebefJeoeDeeW
kes DeefOeienCe mes cegKele: meceye nesleer nQ Deewj Jee nesles nQ peesefke KeeX
keer DeJeefOe mes mebye nesles nw.
e.
4.
pe. efveJesMe
kece&eejer ueeYe
Acquisition Costs:
Acquisition costs are costs that vary with and are
primarily related to acquisition of insurance contracts
and are expensed in the period in which they are
incurred.
6.
7.
Investments:
Investments are made in accordance with the Insurance
Act, 1938, the Insurance Regulatory and Development
Authority (Investment) Regulations, 2000, the insurance
regulatory and Development Authority (investment)
(Amendment) Regulations, 2001 and various other
circulars / notifications issued by the IRDA in this context
from time to time.
9.
Reinsurance Premium:
Cost of reinsurance ceded is accounted for at the time
of recognition of premium income in accordance with
the treaty or in-principle arrangement with the reinsurer.
Profit commission on reinsurance ceded is netted off
against premium ceded on reinsurance.
hegveyeeacee keer ueeiele kees yeerceekelee& kes meeLe keer ieF& Mele& DeLeJee efmeeblele:
JeJemLee kes Devegmeej heerefceece Deee kes efveOee&jCe kes mecee efnmeeye ceW efueee
peelee nw. hegveyeeacee hej ueeYe keceMeerve, hegveyeeacee mes heehle heerefceece hej vess[
Dee@]He efkeee peelee nw.
Ie.
2012-13
9.
EMPLOYEES BEnEFiTS:
9.1
PROVIDENT FUND
Provident fund is a statutory obligation as per Bank of
Baroda PF Rules as the Bank pays fixed contribution
at pre-determined rates.The obligation of the Bank
is limited to such fixed contribution. The contributions
are charged to Profit and Loss Account. The fund is
251
2012-13
eyebOeve yeQke Dee@He ye[ewoe YeefJe<e efveefOe veeme eje efkeee peelee nw
9.2 eseter
yeQke Dee@He ye[ewoe eseter efveefOe efveeceeW SJeb efJeefveeceebs kes Devegmeej eseter
oselee Ske meebefJeefOeke oeefelJe nw Deewj Fmekes mebyebOe Je<e& keer meceeefhle ceW
yeerceebefkeke cetueebkeve kes DeeOeej hej eeJeOeeve efkees peeles nw. yeQke eje eespevee
kes efueS efveefOe GheueyOe kejeeer peeleer nw SJeb yeQke Dee@He ye[ewoe eseter efveefOe
^m eje Fmekee eyebOeve efkeee peelee nw.
9.3 heWMeve
9.3.2
9.4
9.5
10.1 Yeejle ceW Deeue DeeefmleeeW hej cetueeme (veeres efoS ieS hewje 10.3 SJeb 10.4
ceW meboefYe&le kees es[) kebheveer DeefOeefveece 1956 keer Devegmeteer XIV kes Devegmeej
cetueeefmele yener cetue Heefle kes DeeOeej hej, hegvecet&efuele Deeefmle kees es[ efpemekes mebyebOe ceW Fve hegvece&tefuele DeeefmleeeW keer Devegceeefvele Gheeesefielee DeJeefOe
kes DeeOeej hej peeoe cetueeme efkeee peelee nw, eoeve efkeee ieee nw.
COMPENSATED ABSENCES
Deve kece&eejer ueeYe pewmes efke ger vekeoerkejCe, ger efjeeele efkejeee
(SueShemeer), Deewj mesJeeefveJe=efle Hej Deefleefjkele mesJeeefveJe=efle ueeYe Fleeefo
kees yeerceeefkeke cetueebkeve kes DeeOeej hej eoeve efkeee ieee nw.
10. cetueeme
efJeosMeer MeeKeeDeeW SJeb keeee&ueeeW kes mebyebOe ceW kece&eeefjeeW mes mebyebefOele
ueeYeeW kees, eefleefveegefe hej ieS kece&eeefjeeW kees es[, mebyeb osMe ceW ueeiet
keevetve kes DeeOeej hej uesKeeke=le efkeee ieee nw.
PENSION
9.3.1 Pension liability is a defined benefit obligation
under Bank of Baroda Employees Pension
Regulations 1995 and is provided for on the basis
of actuarial valuation made at the end of the
financial year, for the employees who have joined
Bank up to 31.03.2010 and opted for pension.
The pension liability is funded by Bank of Baroda
(Employees) Pension Fund Trust.
9.3.1 yeQke Dee@He ye[ewoe kece&eejer heWMeve efJeefveece 1995 kes Deble&iele heWMeve
oselee Ske efveefele efnleyeeOelee nw Deewj Fmekes mebyebOe efJee Je<e& keer
meceeefhle ceW mebefele cetueebkeve kes DeeOeej hej eeJeOeeve efkees peeles nQ.
en Gve kece&eeefjeeW kes efueS nw efpevnesves 31.3.2010 leke yeQke mesJee
enCe keer Deewj HeWMeve kee efJekeuHe efueee. yeQke Dee@He ye[ewoe (kece&eejer)
HesbMeve efveefOe veeme eje eespevee kes efueS efveefOe GheueyOe kejeeer peeleer
nw .
9.3.2 veF& HeWMeve eespevee, pees efke yeQke ceW 1.4.2010 kees DeLeJee Fmekes Heeele
mesJee ceW Deeves Jeeues kece&eeefjeeW Hej ueeiet nesleer nw, Ske HeefjYeeef<ele DebMeoeeer
eespevee nw. yeQke HetJe& efveOee&ejf le oj Hej efveeqele DebMeoeve kee Yegieleeve kejlee
nw. yeQke kee oeefelJe kesJeue efveOee&ejf le DebMeoeve leke ner meerecf ele nw. DebMeoeve
kees ueeYe SJeb neefve Keeles ceW eYeeefjle efkeee peelee nw.
GRATUITY
DEPRECiATiOn:
10.2 Yeejle mes yeenj Deeue DeeefmleeeW hej cetueeme (veeres efoS ieS hewje 10.3 ceW
meboefYe&le kees es[) mLeeveere keevetve DeLeJee mebye osMe ceW ueeiet JeJenejeW Hej
eoeve efkeee ieee nw.
10.3 kecHetjeW leLee meeHeJesej pees Yeejle Deewj Yeejle mes yeenj kebcHetj ne[&Jesej
kee DeefveJeee& Debie nQ, GveHej cetueeme Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW
kes Devegmeej m^s ueeFve efJeefOe mes 33.33% eefleJe<e& keer oj mes Heoeve efkeee
ieee nw. kebHetj meeHeJesej peesefke ne[&Jesej kee DeefveJeee& Debie veneR nw hej
cetueeme Kejero Je<e& kes oewjeve ner kej efoee ieee nw.
252
2012-13
12.
253
2012-13
(Ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Gme DeJeefOe kes efueS Deee
DeLeJee Jee kes He ceW veneR keer ieF& nw leLee Fmes Meg efveJesMeeW kes
efvemleejCe nesves leke Deueie mes Ske Keeles efJeosMeer cege HeeblejCe
Heejef#ele efveefOe ceW jKee ieee nw.
12.5
Jeeeoe efJeefvecee kejej
uesKee ceeveke SSme 11 leLee Yeejleere efJeosMeer cege Jeeheejer mebIe
(Hes[eF&) kes efoMeeefveoxMeeW kes Devegmeej Jeeheej nsleg Oeeefjle yekeeee
efJeosMeer cege neefpej (mhee@) SJeb Jeeeoe mebefJeoeDeeW kees legueve he$e keer
efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej SJeb Jeeeoe yeepeej
mebefJeoeDeeW SJeb Devleefjce heefjhekeJelee mebefJeoeDeeW kees Fvjheesues ojeW
hej hegvecet&ueebefkele efkeee peelee nw. Fmekes HeuemJehe Jeeeoe cetueebkeve
ueeYe DeLeJee neefve kees ueeYe-neefve Keeles ceW Meeefceue efkeee peelee nw.
d.
254
14
15
2012-13
Devegmeteer - 19 : 31 ceee& 2013 kees meceehle efJeeere Je<e& keer mecesefkele efJeeere efJeJejefCeeeW hej vees
Schedule-19 - notes on the Consolidated Financial Statements for the year ended 31st March 2013
1.
mecesefkele efJeeere efJeJejCeer (meerSHeSme) ceW yeQke Dee@]he ye[ewoe (cetue mebmLee) leLee
efvecveefueefKele Deveg<ebefieeeW/meneesieer FkeeFeeW/mebege GeceeW kes HeefjCeece
Meeefceue nQ.
1.1 Deveg<ebefieeeb
1.1.1 osMeere Deveg<ebefieeeb
ke)
yeQefkebie
1) vewveerleeue yeQke efue.
Ke) iewj yeQefkebie
i) yee@ye kewefHeue ceekex efue.
ii) yee@ye kee[&me efue.
1.1.2 efJeosMeer Deveg<ebefieeeb
ke) yeQefkebie
i) yeQke Dee@He ye[ewoe (yeeslmeJeevee) efue.
ii) yeQke Dee@He ye[ewoe (kesvee) efue.
iii) yeQke Dee@He ye[ewoe (etieeb[e) efue.
iv) yeQke Dee@He ye[ewoe (iegeevee) DeeFSvemeer
v) yeQke Dee@He ye[ewoe (lebpeeefveee) efue.
vi) yeQke Dee@He ye[ewoe ef$eefveoeo SJeb
esyesiees efueefces[
vii) yeQke Dee@He ye[ewoe (Ieevee) efue.
viii) yeQke Dee@]he ye[ewoe (vetpeeruewv[) efue.
Ke) iewj yeQefkebie
i) yee@ye (et kes) efue.
osMe, peneb
efJeeceeve nw
1.
1.1
Yeejle
98.57%
98.57%
Yeejle
Yeejle
100.00%
100.00%
100.00%
100.00%
Banking:
i) The Nainital Bank Ltd.
b)
India
98.57
98.57
India
100.00
100.00
India
100.00
100.00
Non Banking:
Banking:
yeeslmeJeevee
kesvee
etieeb[e
iegeevee
lebpeeefveee
ef$eefveoeo
SJeb esyesiees
Ieevee
vetpeeruewv[
100.00%
100.00%
100.00
100.00
86.70%
86.70%
Kenya
86.70
86.70
etveeFs[
eEkeie[ce
80.00%
80.00%
Uganda
80.00
80.00
100.00%
100.00%
Guyana
100.00
100.00
100.00%
100.00%
Tanzania
100.00
100.00
100.00%
100.00%
100.00
100.00
100.00%
100.00%
Ghana
100.00
100.00
100.00%
100.00%
New
Zealand
100.00
100.00
100.00%
100.00%
United
Kingdom
100.00
100.00
b)
Non Banking:
i) BOB (UK) Ltd.
Interest (%) as on
31.03.13
31.03.12
20
20
49
49
Yeejle/ India
49
Yeejle/ India
35
35
Yeejle/ India
35
35
Yeejle/ India
Yeejle/ India
Yeejle/ India
35
35
35
35
255
2012-13
1.3
ke)
Ke)
ie)
a)
b)
c)
2.
Joint Ventures
Country of Incorporation
31.03.2013
31.03.2012
Yeejle
44
44
ceuesefMeee
40
40
Yeejle
30
India
Malaysia
India
2.
e.
meb
efJeJejCe
Sr.
No.
Particulars
As at
31.03.2012
194.31
152.94
25.27
25.27
a.
b.
(ie)
c.
(Ie)
d.
2.31
3.54
(*)
e.
323.42
239.11
(e)
f.
494.77
370.32
g.
Investment in India
442.63
324.61
h.
52.14
45.71
i.
Total (g + h)
494.77
370.32
3.1. Deveg<ebeif eeeW leLee meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeb, yeQke Dee@H] e ye[ewoe
(etieeb[e) efue.(Fmekeer mebhetCe& mJeeefcelJe Jeeueer Deveg<ebieer yeQke Dee@h] e ye[ewoe kewefHeue
ceekex etieeb[e efue. kees Meeefceue kejles ngS), yeQke Dee]H@ e ye[ewoe (kesvee) efue., yeQke
Dee]H@ e ye[ewoe (lebpeeefveee) efue. kees e[s kej, efpevekeer 31 ceee&, 2013 leke leweej
keer ieF& nw Gmeer efjHeesef i e leejerKe kes Devegmeej leweej keer ieF& nQ efpeme leejerKe kees
cetue mebmLee keer efJeJejCeer leweej keer ieF& nw. Gkele Deveg<ebeif eeeW keer efJeJejefCeeeb 31
efomebyej, 2012 keer efmLeefle kes DevegHe leweej keer ieF& nQ. HeyebOeve eje eLee
HeceeefCele 1 peveJejer, 2013 mes 31 ceee&, 2013 kes yeere DeHese#f ele meceeeespeveeW
nsleg keesF& GuuesKeveere mebJeJenej veneR ngDee nw.
3.2 yeQke efJelleere Je<e& 2012-2013 keer mecesefkele efJelleere efJeJejCeer cesb mebegdkele
GHeeceeW DeLee&le FefC[ee FbjvesMeveue yeQke (ceuesefMeee) yesjne[ (DeeF&.DeeF&.
yeer.Sce. yeer.) kes DeuesKee Hejeref#ele efJelleere efJeJejefCeeeW kee Yeer meceeJesMe nw
pees efke 31 efomecyej 2012 keer efmLeefle kes Devegmeej leweej keer ieF& nw eyebOeve
eje eLee eceeefCele 1 peveJejer 2013 mes 31 ceee& 2013 kes yeere DeHesef#ele
meceeeespeveeW nsleg keesF& GuuesKeveere mebJeJenej DeLeJee Deve Je=lleeble vener ngDee.
256
3.
3.1
3.2
5.
31.03.2013 kees meceehle Je<e& nsleg efvecveefueefKele osMeere Deveg<ebefieeeW kes Keeles
kebHeveer DeefOeefveece, 1956 keer Oeeje 619 (4) kes Debleie&le Yeejle kes efveeb$eke
SJeb ceneuesKee Hejer#eke keer efHHeefCeeeW kes DeOeOeerve nQ :
4.
5.
6.1 Deeekej kee HeeJeOeeve, DeHeerueere HeeefOekeeefjeeW kes efveCe&eeW kees Oeeve ceW jKeles
ngS leLee HejeceMe&oelee kes HejeceMe& mes efkeee ieee nw.
6.2 Deefece he mes Yegieleeve efkeee ieee kej/eesle hej keee ieee kej, eeJeOeeve
kes Ghejeble nw SJeb en `Deve DeeefmleeeW' kes lenle `3401.38 kejes[ (efHeues
Je<e& ` 2017.81 kejes[ ) jKee ieee nw. FmeceW cetue kee `3374.52 kejes[
(efHeues Je<e& ` 1993.11 kejes[) Meeefceue nw pees efJeefYeVe Je<eeX kes oewjeve yeQke
eje Yegieleeve efkeS ieS efJeJeeefole kej ceebieeW kes Yegieleeve mes mebyebefOele meceeeesefpele
jeefMe nw. Ge ceebieeW kes mebyebOe ceW yeQke eje efkemeer ekeej kee eeJeOeeve DeeJeMeke
veneR mecePee ieee nw keeeWefke yeQke keer jee leLee Gmekes keeGbefmeuees keer jee
Deewj/DeLeJee veeefeke Iees<eCeeDeeW kes Devegmeej efveOee&jCe kelee& DeefOekeejer eje
heefjJeOe&ve/DemJeerke=efle Deefveele nw.
7.
yeQke keer keg mebheefeeeb hegvecet&efuele jeefMe kes DeeOeej hej oMee&eer ieeer nw.
heefjmej keer ueeiele meefnle Je<e& kes Deble leke kegue hegvece&tueve jeefMe `1778.33
kejes[ (efHeues Je<e& ` 1777.43 kejes[) efpemecesb efJeosMeer keeee&ueeeW kes `31.45
kejes[ (efHeues Je<e& ` 30.55 kejes[) Meeefceue nw cetueeme kes Ghejeble hegvece&tueve
jeefMe `1104.26 kejes[ (efheues Je<e& `1173.68 kejes[) nw.
8.
Capital Reserves
Capital Reserve includes appreciation arising on
revaluation of immovable properties, profit on sale of HTM
securities (net of tax and transfer to Statutory Reserve)
and amount subscribed by Government of India under the
World Banks Scheme for Export Development Projects
/ Industrial Export Projects for small / medium scale
industries.
Hetbpeeriele Heejef#ele efveefOe ceW Deeue mebHeefeeeW kes Hegvecet&ueebkeve kes HeuemJeHe
nesves Jeeueer cetueJe=ef SeerSce eefleYetefle efyeeer hej ueeYe (kej SJeb eejef#ele
efveefOe ceW DeblejCe kes heeeled) leLee ueIeg / ceOece GeesieeW kes efueS efveee&le
efJekeeme HeefjeespeveeDeeW /Deeweesefieke efveee&leeW HeefjeespeveeDeeW nsleg efJeMJe yeQke keer
eespeveeDeeW kes Debleie&le Yeejle mejkeej keer DebMeoeve jeefMe Meeefceue nQ.
6.
2012-13
6.
6.1
6.2
efJeJejCe
Particulars
eeuet Je<e&
efJeiele Je<e&
382.42
296.32
13.03
5.22
444.14
1087.98
220.56
238.81
395.22
449.66
25.00
25.00
810.47
493.76
5409.43
4192.73
257
2012-13
9.
ef[mkeeGb oj
Jesleve Je=ef oj
eme oj
eespeveeiele DeeefmleeeW Hej mebYeeefJele efjve& js
ceesef&efueer js : SueDeeF&meerDeeF& 1994-96
Discount rate
8.25%
8.25%
8.25%
ARB
8.25%
6.00%
6.00%
6.00%
6.00%
Attrition Rate
2.00%
2.00%
2.00%
2.00%
8.00%
8.00%
PVO as at 01.04.2012
7033.55
Ieeesb-Heoe ueeYe
ARB
563.49
44.19
110.63
35.26
1064.59
124.64
103.90
4.72
406.69
60.66
151.78
38.46
-752.90
35.55
PVO as at 31.03.2013
7502.04
eespevee DeeefmleeeW kes Gefele cetue kes DeejbefYeke Mes<e SJeb Debeflece Mes<e kee
meceeOeeve
26.53 144.31
HeWMeve
GHeoeve
Pension
Gratuity
5740.29
1308.84
459.22
104.71
pees[-W DebMeoeve
Add- Contributions
767.51
108.01
IeeeW-Heoe ueeYe
406.69
151.78
97.99
3.35
6658.32
1373.13
258
2012-13
ARB
a) PV of obligation
7502.04
709.73
1506.13
592.45
6658.32
1373.13
ie) Devlej
c) Difference
843.72
709.73
133.00
592.45
731.96
111.76
709.73
133.00
592.45
Pension
DeJekeeMe
vekeoerkejCe
Deefle.
mesJee
ueeYe
GHeoeve
Gratuity
Leave
encashment
ke)
a)
Ke)
yeepe ueeiele
b)
Interest Cost
ie)
c)
Ie)
*)
e)
ARB
1064.59
124.64
103.90
4.72
563.49
44.19
110.63
35.26
-459.22
-104.71
d)
-850.88
35.55
23.18
144.31
e)
Transitional liability
recognized in the year
365.98
683.96
204.38
133.00
184.29
efJeJejCe
mebYeeefJele DebMeoeve
Particulars
HeWMeve / Pension
iesegerr / Gratuity
Expected contribution
500.00
80.00
investment Pattern
efveJesMe Hewve&
efJeJejCe
kesvere mejkeej eefleYetefleeeb
jepe mejkeej eefleYetefleeeb
keeheexjs (heerSmeet)
keeheexjs (heeFJes)
Deve
kegue
Particulars
HeWMeve / Pension
iesegerr / Gratuity
23.47 %
21.03 %
20.01 %
25.64 %
Corporate (PSU)
29.80 %
29.50 %
2.82 %
1.53 %
Corporate (Private)
Others
Total
23.90 %
22.30 %
100.00 %
100.00 %
259
2012-13
10.
efyepevesme
mesieceW
Business
Segments
jepemJe
heefjCeece
Deveeyebefle Kee&
Revenue
Result
Unallocated
Expense
Operating
Profit
Heefjeeueveiele ueeYe
keeHeexjs/nesuemesue yeQefkebie
^spejer
Corporate / Wholesale
Treasury
Banking
2012-13
2011-12
2012-13
2011-12
9352.38
7453.90 15095.11 13185.19
1119.50
925.50
-92.52
980.42
Deeekej
Income taxes
efJeefMe< ueeYe /
neefve
Meg ueeYe
Deve metevee
Extra-ordinary
Profit/loss
Net Profit
Other
Information
Segment
Assets
147809.92 105423.13 153499.37 140909.25
Unallocated
Assets
Total Assets
Segment
Liabilities
139015.71 98850.77 144366.66 132124.59
Unallocated
Liabilities
Total Liabilities
Capital
Employed
8794.21
6572.36
9132.71
8784.66
Unallocated
mesieceW Deeefmleeeb
Deveeyebefle
Deeefmleeeb
kegue Deeefmleeeb
mesieceW oseleeSb
Deveeyebefle oseleeSb
kegue oseleeSb
efveeesefpele Hetbpeer
Deveeyebefle
kegue efveeesefpele
Hetbpeer
efjsue yeQefkebie
Retail Banking
2012-13
9887.97
3144.72
75107.47
2011-12
8730.83
2849.50
2012-13
40952.68
6717.01
2011-12
34588.91
7928.90
1468.64
1592.86
5248.37
6336.04
444.14
1087.47
4804.23
--5248.57
70638.82
4362.27
526106.56 428895.71
4468.65
4041.00
10566.99
Total Capital
Employed
kegue
Total
8828.24
32962.56
28226.26
319.21
290.04
33281.77
28516.30
Devleje&^ere heefjeeueve
Particulars
Domestic Operations
2012-13
2011-12
2012-13
2011-12
2012-13
2011-12
jepemJe
Deeefmleeeb
Revenue
35196.20
30048.39
5756.48
4540.52
40952.68
34588.91
386487.80
323453.13
172900.53
133958.87
559388.33
457412.00
Assets
efhheCeer :
1. Yeejleere efjpeJe& yeQke kes eqoMee efveoxMeevegmeej uesKeebkeve ceevekeeW kes Devegheeueve
ceW yeQke ves ^spejer Dee@hejsMeve, nesuemesue, efjsue Deewj Deve yeQefkebie heefjeeueveeW
kees eeLeefceke keejesyeej mesieceW Deewj osMeere Deewj Devleje&^ere kees ieewCe /
Yeewieesefueke mesieceW kes he ceW Deheveeee nw.
2. yeQefkebie SJeb Deve heefjeeueveeW ceW Deve yeQefkebie leLee iewj yeQefkebie heefjeeueve
Meeefceue nQ.
3. mesieceW jepemJe yeee eenkeeW mes eehle jepemJe kees oMee&lee nw.
4. mesieceW heefjCeece lee kejles mecee, yeQke eje DeheveeF& ieF& DeblejCe cetue
efveOee&jCe eCeeueer kees eeesie ceW ueeee ieee nw.
5. eleske mesieceW kes efueS efveeesefpele hetbpeer kees mesieceW keer DeeefmleeeW kes efueS
Deevegheeefleke leewj Deeyebefle efkeee ieee nw.
260
International Operations
kegue / Total
efJeJejCe
Notes:
1. As per guidelines of RBI on compliance with Accounting Standards,
parent has adopted Treasury Operations, Wholesale, Retail and other
Banking Operations as Primary business segments and Domestic and
International as Secondary / Geographic segments.
2. Banking & Other operations includes other banking operations and nonbanking operations
3. Segment revenue represents revenue from external customers.
4. In determining the segment results, the funds transfer price mechanism
followed by the Parent has been used.
5. Capital Employed for each Segment has been allocated proportionate to
the assets of the Segment.
veece
heeefjeefceke Remuneration
eeuet Je<e&
efheuee Je<e&
heoveece
Name
Designation
2012-13
Current Year
Previous Year
3,49,654
32,45,265
25,37,459
Shri M. D. Mallya
3
keee&heeueke efveosMeke
24,02,674
21,97,317
keee&heeueke efveosMeke
13,26,419
21,22,495
keee&heeueke efveosMeke
12,22,208
keee&heeueke efveosMeke
12,00,790
keee&heeueke efveosMeke
6,65,588
Shri N.S.Srinath
5
Shri Srinivas P
6
12.
eeuet Je<e&
i.
ii.
iii.
iv.
13.
Previous Year
5248.57
41,16,78,611
391653059
116.70
134.01
` 10.00
` 10.00
efJeiele Je<e&
Current Year
4804.23
Particulars
31.03.2013
Deeefmleeeb
31.03.2012
Asset
Liability
oselee
Deeefmleeeb
Asset
Liability
oselee
41.12
8.94
Deve
mebefoiOe $e+Ce SJeb Deefieceebs kes efueS HeeJeOeeve
SeerSce eefleYetefleees Hej cetueeme
Deeekej DeefOeefveece keer Oeeje 40(S)
(DeeF& S) kes lenle Deceeve jeefMe
ger vekeoerkejCe SbJe Jesleve mebMeesOeve nsleg
eeJeOeeve
mebefoiOe $e+CeeW leLee DeeqeceeW nsleg eeJeOeeve
(efJeosMeer)
pees[
Meg DeemLeefiele kej oselee / Deeefmleeeb
Others
0.16
0.03
92.73
1.84
226.89
2.77
3.08
231.81
133.86
11.90
97.96
11.90
261
2012-13
15.
16.
Particulars
Deeefmleeeb
Asset
-
Liability
0.26
oselee
Deeefmleeeb
Asset
-
Liability
90.16
426.45
Others
0.86
0.51
9.84
174.43
76.14
Total:
1.12
260.41
517.12
1.12
256.71
14.
15.
16.
efJeJejCe
Particulars
Deekeefmceke oseleeSb
legueveHe$e kes Mes[detue 12 kes e meb. (I) mes (VI) ceW G=le Ssmeer oseleeSb Deoeuele kes efveCe&e/
Hebe Hewmeues/ Deoeuele kes yeee efvemleejCe/ DeHeerue kee efveHeeje Hej efveYe&j kejleer nQ. Ssmes
ceeceueeW ceW keesF& HeefleHetefle& DeHesef#ele veneR nw.
17. Deefleefje ekeerkejCe
cetue yeQke SJeb Deveg<ebefieeeW keer Deueie-Deueie efJeeere efJeJejefCeeeW ceW eke keer ieF&
Deefleefje metevee kee meerSHeSme kes mener SJeb mhe efkeesCe mes mebyebOe veneR nw
Deewj meeLe ner Ssmeer ceoeW mes mebyebefOele metevee kees, pees cenlJehetCe& veneR nw, meerSHeSme
ceW eke veneR efkeee ieee nw.
262
31.03.2013
efJeJejCe
oselee
(` in crores)
cegkeoceW Legal Cases
/ DeekeefmcekeleeSb Contingencies
Current Year Previous
Year
10.30
8.91
34.64
1.39
44.94
10.30
Outflow on settlement /
crystallization
Contingent Liabilities
Such liabilities as mentioned at Serial No (I) to (VI) of Schedule 12 of
Balance Sheet are dependent upon the outcome of court judgement
/ arbitration awards / out of court settlement / disposal of appeals. No
reimbursement is expected in such cases.
17. Additional Disclosures:
Additional information disclosed in the separate financial
statements of the Parent and the Subsidiaries having no bearing
on the true and fair view of the CFS and also the information
pertaining to the items which are not material, have not been
disclosed in the CFS.
18.
19.
20.
Fmekes Deefleefje yeQke ves keg Devepe&ke Iejsuet Deefiece KeeleeW ceW 31 ceee& 2013 kees
` 136.75 kejes[ (efheues Je<e& ` 342.79 kejes[) kee Deefleefje leoLe& heeJeOeeve
efkeee nw.
21. Yeejle mejkeej keer efoveebke 1 veJecyej 2012 keer DeefOemetevee kes Devegmeej yeQke eje
heeeesefpele PeyegDee Oeej #es$eere ieeceerCe yeQke Deewj vewveerleeue-Deucees[e #es$eere ieeceerCe
yeQke kee eceMe: yeQke Dee@He FeqC[ee eje heeesefpele vece&oe PeyegDee ieeceerCe yeQke Deewj
Yeejleere ms yeQke eje heeeesefpele GejeKeb[ ieeceerCe yeQke ceW DeefOemetevee kes jepekeere
iepe ceW hekeeMeve keer leejerKe mes efJeuee kej efoee ieee.
Fmekes Deefleefje, Yeejle mejkeej keer efoveebke 1 peveJejer 2013 keer DeefOemetevee kes
Devegmeej n[esleer #es$eere ieeceerCe yeQke (mesv^ue yeQke Dee@He FeqC[ee eje heeeesefpele),
Deewj jepemLeeve ieeceerCe yeQke (hebpeeye vesMeveue yeQke eje heeeesefpele) kee ye[ewoe ieeceerCe
yeQke (yeQke Dee@He ye[ewoe eje heeeesefpele) ceW efJeuee kej efoee ieee. Fme efJeuee hej,
DeefOemetevee kes jepekeere iepe ceW hekeeMeve keer leejerKe mes ye[ewoe jepemLeeve ieeceerCe
yeQke kee veece yeoue kej ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke kej efoee ieee.
22. efheues Je<e& kes Deebke[s
Jele&ceeve Je<e& keer emlegefle kejves kes efueS mecetn mebmLeeDeeW kes efheues Je<e& kes Deebke[eW kees
peneb DeeJeMeke mecePee ieee, Jeneb hegve: JeJeefmLele / hegveefve&Oeeefjle / hegve: mecetnerke=le
efkeee ieee nw.
21.
22.
2012-13
18.
During the financial year 2010-11, the Parent and its Subsidiary
The Nainital Bank Ltd. had reopened the pension option for such
of its employees who had not opted for the pension scheme
earlier. As a result of exercise of such option by 19289 number of
employees, the Group had incurred a liability of `1855.71 crores.
Further in respect of Subsidiary, Nainital Bank Ltd., gratuity
liability has increased by ` 10.09 crores due to enhancement of
limit of gratuity from ` 3.50 lacs to ` 10 lacs.
In terms of the requirements of the AS 15 - Employee Benefits,
the entire amount of `1865.80 crores was required to be charged
to the Profit and Loss Account. However, vide RBI circular no.
DBOD.BP.BC.80/21.04.018/2010-11 on Re-opening of Pension
Option to Employees of Public Sector Banks and Enhancement
in Gratuity Limits Prudential Regulatory Treatment, dated 9th
February 2011, the Group has charged an amount of ` 1119.48
crores (representing three-fifth of `1865.80 crores) upto March
31, 2013. The unrecognized balance of `746.32 crores (`1865.80
crores `1119.48 crores) shall be accounted for and charged off
over the balance period stipulated in terms of the said circular.
This liability does not include any amount relating to separated/
retired employees.
The Parent has taken over specified Assets & Liabilities of
The Memon Co-operative Bank Ltd on 18th April, 2011 as per
approval granted by RBI vide letter no. UBD.CO.MEROER No.
7814/09.16.901/2010.11 dated 04th March, 2011. Initially, ` 149.25
crores of deficit was calculated considering ` 61.10 crores as
receivable from DICGC claims. Out of the deficit of ` 149.25 Crores
on account of the said take over, the Parent has proportionately
charged ` 49.75 Crores of the said deficit to the Profit and
Loss Account during the financial year 2011-12 as approved
by RBI vide letter no. DBOD.No.BP.1311/21.04.048/2010-11
dated 25th July, 2011 and an amount of `. 99.50 crores was
carried forward to be charged proportionately during the
remaining period till the FY 2013-14. . During the FY 2012-13,
` 23.75 crores has been received by the Parent from DICGC
as final settlement and consequently the deficit increased by
` 37.35 crores. Accordingly, an amount of ` 74.64 crores
(` 49.75 crores being 1/3rd of original deficit of ` 149.25 crores and
24.89 crores being 2/3rd of deficit of DICGC claims of ` 37.35 crores)
is charged to profit and loss account during the current financial year.
The balance amount of ` 62.20 crores (1/3rd of original deficit of
` 149.25 crores and 1/3rd of deficit of DICGC claim receipt of
` 12.45 crores) will be charged during the next Financial Year
2013-14
The Parent has made provision @ 20% on the Secured Substandard Advance as against the Regulatory requirement of 15%.
Further the Parent has made an additional ad-hoc provision of
` 136.75 Crores for the year ended March 31, 2013 (previous
year ` 342.79 Crores) in certain non performing domestic
advance accounts.
As per the Government of India notification dated 01st November
2012, Jhabua Dhar Kshetriya Gramin Bank and N ainital Almora
Kshetriya Gramin Bank sponsored by Parent were amalgamated
into Narmada Jhabua Gramin Bank under the sponsorship
of Bank of India and Uttarakhand Gramin Bank under the
sponsorship of State Bank of India respectively, from the date of
publication of the notification in the Official Gazette.
Further, as per the Government of India notification dated 1st
January 2013, Hadoti Kshetriya Gramin Bank (sponsored by
Central Bank of India), and Rajasthan Gramin Bank (sponsored
by the Punjab National Bank) were amalgamated with Baroda
Rajasthan Gramin Bank (sponsored by Bank of Baroda). On
amalgamation, the name of Baroda Rajasthan Gramin Bank was
changed to Baroda Rajasthan Kshetriya Gramin Bank from the
date of publication of the notification in the Official Gazette.
Previous year figures of the group entities have been rearranged
/ recast / regrouped wherever considered necessary to conform
current years presentation.
263
2012-13
31 ceee& 2013 kees meceehle Je<e& kes efueS mecesefkele vekeoer eJeen efJeJejCe
Statement of Consolidated Cash Flow for the year ended 31st March, 2013
(000 Devebefkele omitted)
31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
5248,36,93
6336,03,70
Year ended
31.03.2013
Year ended
31.03.2012
Adjustments for :
321,70,12
295,48,16
220,55,42
238,81,36
3501,01,53
1892,81,38
395,21,36
449,66,42
848,50,50
523,98,03
1,22,56
(79,87)
930,27,55
914,36,03
GHe pees[
Sub total
11466,85,97
10650,35,21
Adjustments for:
(Increase)/Decrease in investments
(39140,60,32)
(12781,39,85)
(Increase)/Decrease in advances
(45049,07,56)
(61884,83,95)
1889,31,06
(3545,00,45)
Increase/(Decrease)in borrowings
2852,58,41
1031,35,69
Increase/(Decrease) in deposits
90022,94,80
81012,69,61
2981,82,56
1928,70,34
(1827,70,72)
(1774,47,81)
23196,14,20
14637,38,79
(560,09,92)
(456,14,17)
45,94,30
40,02,44
(514,15,62)
(416,11,73)
10,13,29
19,57,73
Ke.efveJesMe mebyebOeer efeeekeueeHeeW mes vekeoer eJeen : B. Cash flow from investing activities :
Deeue DeeefmleeeW keer Kejero
264
2012-13
31 ceee& 2012
kees meceeHle Je<e&
Year ended
31.03.2013
Year ended
31.03.2012
Mesej Heerefceece
Share premium
839,86,71
1625,11,20
102,30,00
188,37,19
ueeYeebMe
Dividend
(812,29,04)
(753,35,20)
(930,27,55)
(914,36,03)
(790,26,59)
165,34,89
21891,71,99
14386,61,95
65810,34,67
51423,72,72
87702,06,66
65810,34,67
As on 31st
March 2013
As on 31st
March 2012
efhheCeer
Notes:
1 vekeoer leLee vekeoer mecelegue ceW neLe ceW vekeoer, 1 Cash & Cash equivalents includes Cash on
hand, Balance with RBI & Other banks and
Yee.efj.yeQ. leLee Deve yeQkeeW kes Heeme Mes<e Deewj
Money at call and Short Notice.
14151,18,45
22268,34,40
73550,88,21
43542,00,27
pees[
Total
87702,06,66
65810,34,67
265
2012-13
yeQke Dee@]He ye[ewoe keer mecesefkele efJelleere efJeJejefCeeeW hej uesKee hejer#ekeeW keer efjhees&
nceejer uesKee Hejer#ee efjHees& efoveebke 13.05.2013 kes Devegmeej nceejs eje
uesKee hejere#f ele yeQke Dee@H] e ye[ewoe (o yeQke) kes uesKee hejere#f ele Keeles,
ii.
Deve uesKee hejer#ekeeW eje uesKee hejere#f ele -11- Deveg<ebeif eeeW leLee -6meneesieer FkeeFeeW, 2 mebege GheeceeW kes uesKee hejere#f ele Keeles,
iii.
Fve mecesefkele efJeeere efJeJejefCeeeW kees leweej kejves kes efueS heyebOeve efpeccesoej
nw pees Yeejleere efjpeJe& yeQke eje mecee-mecee hej peejer efoMeeefveoxMeeW SJeb
Yeejle ceW mJeerkeee& meeceeve uesKee hejer#ee ceeveob[eW keer Devegheeuevee ceW yeQeEkeie
efJeefveece DeefOeefveece 1949 kes Deveghe ieghe keer mecesefkele efJeeere eqmLeefle,
mecesefkele efJeeere keee&-efve<heeove SJeb mecesefkele vekeoer heJeen keer JeemleefJeke
SJeb mener lemJeerj hemlegle kejleer nQ. Fme oeefelJe ceW mecesefkele efJeeere
efJeJejefCeeeW kees leweej SJeb hemlegle kejves nsleg Deebleefjke efveeb$eCe, keeee&vJeeve
SJeb hejsKee mecceefuele nw. es efJeJejefCeeeb JeemleefJeke SJeb mener lemJeerj hemlegle
kejleer nQ Deewj FveceW peeuemeepeer ee Yetue keer Jepen mes keesF& GuuesKeveere
ieueleer vener nw.
nceeje oeefelJe Deheveer uesKee hejer#ee hej DeeOeeefjle Fve mecesefkele efJeeere
efJeJejefCeeeW hej Deheveer jee Jee kejvee nw. nceves Yeejleere meveoer
uesKeekeej mebmLeeve eje peejer uesKee hejer#ee ceevekeeW kes Devegmeej uesKee
hejer#ee keer nw. Fve ceevekeeW keer Dehes#ee nw efke nce veweflekelee kee efveJee&n kejles
ngS uesKee hejer#ee keee& megefveeesefpele SJeb megJeJeeqmLele he ceW Fme hekeej
mecheVe kejW efke nceW en leee|keke Deeeemeve efceues efke es efJeeere efJeJejefCeeeb
efkemeer Yeer hekeej keer GuuesKeveere / hecegKe ieueefleeeW mes cege nQ.
4.
uesKee hejer#ee ceW jeefMeeeW kes mee#eeW SJeb hekeerkejCe keer peebe nsleg mecesefkele
efJeeere efJeJejefCeeeW ceW oer ieF& efve<heeove heefeee kes Deveghe keee&Jeener
Meeefceue nw. eeefvele heefeee (efJeefOe) uesKee hejer#eke kes efJeJeske hej efveYe&j
nw, FmeceW mecesefkele efJeeere efJeJejefCeeeW ceW GuuesKeveere ieueefleeeW kes peesefKece
Yeues ner Jen peeuemeepeer ee Yetue kes Jepee mes neW, kee cetueebkeve / Deekeueve
kejvee Meeefceue nw. Fve peesefKeceeW kee cetueebkeve kejles mecee uesKee hejer#eke
JeemleefJeke SJeb mener lemJeerj hemlegle kejves Jeeueer Fve mecesefkele efJeeere
efJeJejefCeeeW keer Gheege hemlegefle nsleg ieghe kes mecye Deebleefjke efveeb$eCeeW kee
DeJeueeskeve kejlee nw leeefke heefjeqmLeefle Devegmeej Gheege uesKee hejer#ee heefeee
efveOee&efjle keer pee mekes. uesKee hejer#ee ceW heyebOeve eje efkeS ieS cenlJehetCe&
Devegceeve leLee heege uesKeebkeve veerefleeeW keer Gheegelee kee cetueebkeve Deewj
266
To
The Board of Directors, Bank of Baroda
1) We have audited the accompanying consolidated
financial statements of BANK OF BARODA (the Group),
which comprise the Consolidated Balance Sheet as on
31st March, 2013, the Consolidated Profit and Loss
Account and the Consolidated Cash Flow Statement
for the year then ended and a summary of significant
accounting policies and other explanatory information, in
which following are incorporated:
i)
Audited Accounts of the Bank of Baroda (The Bank),
audited by us, vide our audit report dated May 13,
2013.
ii) Audited Accounts of 11 Subsidiaries, 6 Associates
and 2 Joint Ventures, audited by other Auditors,
iii) Unaudited Accounts of 1 Subsidiary and 1 Joint
Venture.
Managements Responsibility for the Consolidated
Financial Statements
2) Management is responsible for the preparation of these
consolidated financial statements that give a true and fair
view of the consolidated financial position, consolidated
financial performance and consolidated cash flows of the
Group in accordance with the Banking Regulation Act
1949, complying with Reserve Bank of India guidelines
from time to time and accounting standards generally
accepted in India. This responsibility includes the design,
implementation and maintenance of internal control
relevant to the preparation and presentation of the
consolidated financial statements that give a true and fair
view and are free from material misstatement, whether
due to fraud or error.
Auditors Responsibility
3) Our responsibility is to express an opinion on these
consolidated financial statements based on our audit. We
conducted our audit in accordance with the Standards on
Auditing issued by the Institute of Chartered Accountants
of India. Those Standards require that we comply with
ethical requirements and plan and perform the audit
to obtain reasonable assurance about whether the
consolidated financial statements are free from material
misstatement.
4) An audit involves performing procedures to obtain
audit evidence about the amounts and disclosures in
the consolidated financial statements. The procedures
selected depend on the auditors judgement, including
the assessment of the risks of material misstatement
of the consolidated financial statements, whether due
to fraud or error. In making those risk assessments,
the auditor considers internal control relevant to the
Groups preparation and presentation of the consolidated
financial statements that give a true and fair view in order
to design audit procedures that are appropriate in the
circumstances.
An audit also includes evaluating the appropriateness of
accounting policies used and the reasonableness of the
Ge leejerKe kees meceehle Je<e& kes efueS ieghe kes vekeoer heJeen mebyebOeer
mecesefkele vekeoer heJeen efJeJejCeer kes mebyebOe ceW.
Deve efJe<ee
7) mecesefkele efJeeere efJeJejefCeeeW efvecveefueefKele Meeefceue nQ1 Debleje&^ere Deveg<ebieer yeQke Dee@]He ye[ewoe (yeeslmeJeevee)
(ke) (i)
efueefces[ kes yeejs ceW DeuesKeehejeref#ele efJeeere efJeJejefCeeeW kes
Deebke[W, Fmekeer efJeeere efJeJejefCeeeW ceW 31 ceee&, 2013 kees
kegue Deeefmleeeb 1018.44 kejes[ hees keer kegue DeeeqmleeeW
kee GuuesKe nw Deewj Ge Je<e& keer meceeeqhle keer leejerKe kees
kegue jepemJe 75.68 kejes[ hees Deewj vekeoer heJeen 23.24
kejes[ hees nw.
(ii)
1 Debleje&<^ere mebegkele GHeece - FefC[ee FbjvesMeveue yeQke
(ceuesefMeee) yesjne[ kes yeejs ceW DeuesKee Hejeref#ele efJelleere
efJeJejefCeeeW kes Deebke[s, Fmekeer efJelleere efJeJejefCeeeW ces
2012-13
267
2012-13
b)
c)
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otmejs uesKee hejer#ekeeW ves uesKee hejer#ee veneR keer nw. Fvekeer efJeeere
efJeJejefCeeeW ceW 31 ceee&, 2013 kees kegue Deeeqmleeeb 6622.71 kejes[
hees leLee Je<e& kes Deble ceW 1386.95 kejes[ Hees keer kegue Deee SJeb
vekeoer heJeen kes he ceW 343.81 kejes[ hees kee GuuesKe nw.
cenlJehetCe& efJe<ee kes mebyebOe ceW nceejs jee Dehesef#ele vener nw.
ke=les js SC[ js
meveoer uesKeekeej
SHeDeejSve: 301072 F&
(DeefceleeJe eewOejer)
Yeeieeroej
Sce. veb.: 056060
268
2012-13
efveosMeke ceC[ue
yeQke Dee@]He ye[ewoe
cegcyeF&
efee cenesoe,
efJe<ee : Je<e& 2012-13 kes efueS meer F& Dees / meer SHe Dees eceeCeerkejCe - mecesefkele
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eceeefCele kejles nQ efke
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i.
Fve efJeJejefCeeeW ceW keesF& efJe<eeiele DeeLeeLe& DeefYekeLeve veneR nw DeLeJee keesF& efJe<eeiele leLe efheeee veneR ieee nw DeLeJee FveceW keesF& Yeeceke DeefYekeLeve Meeefceue
veneR efkeee ieee nw.
ii. es DeefYekeLeve / efJeJejCe yeQke kes keee&keueeheeW kee mener SJeb mhe efkeesCe emlegle kejles nQ leLee es efJeeceeve uesKee ceevekeeW, ueeiet efveeceeW SJeb efJeefveeceeW kes
Deveghe nQ.
Ke. nceejer peevekeejer SJeb efJeeeme kes Devegmeej Je<e& kes oewjeve yeQke eje Ssmes keesF& mebJeJenej veneR efkeS ieS pees OeesKeeOe[er ceW efuehle nes, iewj keevetveer nes DeLeJee yeQke keer
Deeeej mebefnlee kes efJe neW.
ie. nce efJeeere efjheesefie mes mecye Deevleefjke efveev$eCeeW kee hetCe& oeefelJe mJeerkeej kejles nQ. nce en Yeer mJeerkeej kejles nQ efke nceves efJeeere efjheesefie keer Deevleefjke
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mes mecye keefceeeW, eefo keesF& nw DeLeJee pees nceejs DeefYe%eeve ceW nQ SJeb nceves FvnW otj kejves kes efueS pees Gheee efkeS nQ ee emleeefJele nw, keer peevekeejer os oer nw.
Ie) nceves uesKee hejer#ekeeW leLee uesKee hejer#ee meefceefle kees efvec>efueefKele mes DeJeiele kejeee nw.
i.
Je<e& kes oewjeve efJeeere efjheesefie kes meboYe& ceW Deevleefjke efveev$eCe JeJemLee ceW cenlJehetCe& heefjJele&ve
ii. Je<e& kes oewjeve uesKee veerefleeeW ceW cenlJehetCe& heefjJele&ve leLee Fvekee GuuesKe efJeeere efJeJejefCeeeW kes veesdme ceW kej efoee ieee nw
iii. nceejer peevekeejer ceW DeeS OeesKeeOe[er mecyebOeer efJeefMe ceeceues leLee GveceW eyevOeve DeLeJee efkemeer kece&eejer keer mebefuehlelee, efpemekeer Deevleefjke efveev$eCe eCeeueer
Sme.Sme.cetbo[e
ceneeyevOeke
269
2012-13
Board of Directors,
Bank of Baroda
Mumbai
Dear Sirs,
We have reviewed financial statements and the cash flow statement for the year 2012-13 (Consolidated) and that to the
best of our knowledge and belief:
i.
These statements do not contain any materially untrue statement or omit any material fact or contain statements that
might be misleading:
ii.
These statements together present a true and fair view of the Banks affairs and are in compliance with existing
accounting standards, applicable laws and regulations.
b.
There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year which are
fraudulent, illegal or violative of the Banks code of conduct.
c.
We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have evaluated
the effectiveness of internal control systems of the Bank pertaining to financial reporting and we have disclosed to the
auditors and the Audit Committee deficiencies in the design or operation of such internal controls, if any, of which we are
aware and the steps we have taken or propose to take to rectify these deficiencies.
d.
Significant changes in internal control over financial reporting during the year.
ii.
Significant changes in accounting policies during the year and that the same have been disclosed in the notes to the
financial statements and
iii.
Instances of significant fraud of which we have become aware and the involvement therein, if any, of the management
or an employee having a significant role in the Banks internal control system over financial reporting.
V. K. Gupta
General Manager
(Corp. A/cs, Taxation & Subsidiaries and CFO)
Date : 13th May 2013
Place : Mumbai
270
S. S. Mundra
Chairman and Managing Director
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Form B
PROXY FORM
Regd.Folio No.
DP.ID No*.
Client ID No.* _____________________
(* Applicable for members holding shares in electronic form)
resident of
I / We
in the district of
in the State of
Shri/Smt.
resident of
in the district of
in the State of
resident of
in the state of
as my/our proxy to vote for me/us and on my/our behalf at the 17th ANNUAL
GENERAL MEETING of the Shareholders of BANK OF BARODA to be held on the Wednesday, 26th June 2013, at 10.30 a.m.
at Sir Sayajirao Nagargriha, Vadodara Mahanagar Seva Sadan, Bank of Baroda Centenary Year (2007-2008), T.P. - 1, F.P. 549/1,
Near GEB Colony, Old Padra Road, Akota, Vadodara 390020 and at any adjournment thereof.
Signed this
Signature of Proxy
Name
day of
2013
Affix
Revenue
Stamp
Address
GHeefmLeefle Heeea
17JeeR Jeeef<e&ke meeceeve yew"ke
efoveebke
mLeeve
mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej mesJee meove, yeQke Dee@He ye[ewoe
Meleeyoer Je<e& (2007-2008),
er.heer.-1, SHe.heer. 549/1, peerF&yeer kee@ueesveer kes heeme,
Deesu[ heeoje jes[, Dekeese, Je[esoje 390 020
HeJesMe He$e
ATTENDANCE SLIP
17th Annual General Meeting
Date
Place
Member / proxy holder wishing to attend the meeting must bring the attendance slip to the meeting and hand it over
at the entrance duly filled-in and signed.
Member / proxy holder wishing to attend the meeting should bring his/her copy of the Annual Report for reference at
the meeting.
ENTRY PASS
(To be retained throughout the meeting)
Folio No.
(for holding in physical form)
DP ID / Client ID No.
(for holding in electronic form)
No. of Shares
Notes:
1.
2.
3.
Shareholders / proxy or representative of shareholders are requested to produce the above attendance slip, duly filled
in and signed in accordance with their specimen signatures registered with the Bank/RTA, along with the entry pass,
for admission to the venue.
The admission will, however, be subject to verification / checks, as may be deemed necessary.
Under no circumstances, any duplicate attendance slip will be issued at the entrance to the meeting.
2.
helee :
3.
[er. heer. DeeF&[er / eenke DeeF&[er mebKee (Fueske^e@efveke MesejOeejkeeW kes efueS)
ke.
Ke.
ie.
Keelee mebKee (pewmee efke eske yegke ceW efoee ieee nw)
Ie.
[.
e.
:
:
4.
5.
yeele yeQke
eeuet
vekeo GOeej
ke=heee heneeve kes eceeCe mJehe Deheves hewve kee[& keer mJeeb eje
meleeefhele Heeses eefle leLee kees[ mebKee keer melelee keer peebe kes efueS
Deheves Gheeg&e Keeles mes mebyebefOele, Deehekes yeQke eje peejer eske kes hevves keer
Heeses keeheer / keesje j efkeee ieee eske mebueive kejW
Iees<eCee
ceQ Sleodeje en Ieesef<ele kejlee/leer ntb efke Gheeg&e efJeJejCe mener Je hetCe& nQ. eefo DehetCe& peevekeejer kes keejCeeW mes uesveosve ceW osjer nesleer nw ee en eYeeJeer veneR neslee nw lees
ceQ yeQke Dee@]He ye[ewoe kees efpeccesoej veneR "njeTbiee/ieer.
mLeeve :
efoveebke :
efhheCeer :
1.
eefo Mesej Fueske^e@efveke he ceW jKes ieS nQ : ke=heee Heece& hetCe&leee Yej kej Fme hej nmlee#ej kejW leLee Fmes Deeleve kejves nsleg Dehesef#ele omleeJespeeW meefnle Deheves
heefleYeeieer ef[hee@efpejer kees hemlegle kejW.
2.
eefo Mesej Yeewefleke he ceW jKes ieS nQ : ke=heee Heece& hetCe&leee Yej kej Fme hej nmlee#ej kejW leLee Fmes Dehesef#ele omleeJespeeW meefnle jefpem^ej SJeb ^ebmeHej SpeW
(DeejerS) DeLee&le cewmeme& keeJeea kebhetjMesej hee. efue., huee@ veb. 17-24, efJeuejeJe veiej, ceeOeehegj, nwojeyeeo- 500 081 DeLeJee yeQke Dee@]He ye[ewoe, efveJesMeke mesJeeSb
efJeYeeie, leermeje leue, ye[ewoe keeheexjs meWj, meer-26 peer yuee@ke, yeebe keguee& keecheueskeme, yeebe (hetJe&), cegbyeF&- 400 051 kes heles hej Yespe oW.
BANK OF BARODA
1.
2.
Address
3.
Bank Name
B.
C.
Account No.
:
:
E.
SB
Current
Cash Credit
F.
:
:
5.
Please attach a self-attested photocopy of your PANCARD as Proof of Identity alongwith a photocopy of a Cheque leaf
/ blank cancelled cheque issued by your Bank relating to your above account for verifying the accuracy of the Code
numbers.
DECLARATION
I, hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for
reasons of incomplete information, I would not hold Bank of Baroda responsible.
Date:
Note:
1.
if the shares are held in electronic mode: Please complete the form, sign and submit alongwith the required documents
to your Depository Participant for necessary updation.
2.
if the shares are held in physical mode: Please complete the form, sign and mail alongwith the required documents at
the address of Registrar and Transfer Agent (RTA), i.e. M/s Karvy Computershare Pvt. Ltd, Plot No. 17-24, Vithalrao Nagar,
Madhapur, Hyderabad - 500 081 OR at Bank of Baroda, Investors Services Dept. 3rd Floor, Baroda Corporate Centre,
C-26, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.
Place:
efhheCeer / nOTES
2012-13
efhheCeer / nOTES
ceeveveere je^heefle eer heCeye cegKepeea eje Fbefoje ieebOeer jepeYee<ee Meeru[ heefleeesefielee ceW heLece hegjmkeej
'First Prize in Indira Gandhi Rajbhasha Shield Competition
from Hon'ble President of India, Shri Pranab Mukherjee
eterJeer HeeFveWefmeeue ueer[jefMee DeJee[& kes otmejs S[erMeve ceW `yesm heerSmeet yeQke' DeJee[&
'Best PSU Bank' in the 2nd edition of Bloomberg UTV Financial Leadership Awards
efyepevesme FeqC[ee cewipeerve eje Je<e& 2012 kes efueS yesm yeQke DeJee[&
Best Bank Award for the year 2012 by Business India magazine.
efJeeere Je<e& 2011-12 kes efueS Yeejle mejkeej kees ueeYeebMe kee Yegieleeve
Payment of Dividend to Govt. of India for Finacial Year 2011-12