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2012-2013
ANNUAL REPORT
2012-2013
CONTENTS
1. NOTICE
2. mai M LM fsM
28
3. lSzM M UmO
29
2. PROGRESS AT A GLANCE
28
29
30
34
30
MlU oM uw 2012-13 q
34
71
71
72
72
ACKNOWLEDGEMENT
72
klruS
72
73
94
73
94
118
7. LMs ur uuUh
sZ mUM M UmO
isl m
sp u Wl Zi
isl m M Az ollus Alxcr
sp u Wl Zi M Az ollus Alxcr
sZMl lir
sZ xok Ommhr
xip 3 (oxs II) mMOl
lMS muW uuUh
121
124
125
126
134
136
144
185
217
8. xqMi ur uuUh
sZmUM M UmO
xqMi isl m
xqMi sp u Wl Zi
xqMi isl m M Az ollus Alxcr
xqMi sp u Wl Zi M Az
ollus Alxcr
sZMl lir
xqMi ur uuUh mU sZ xok Ommhr
xqMi lMS muW uuUh
118
AUDITORS REPORT
121
BALANCE SHEET
124
125
126
134
ACCOUNTING POLICIES
136
NOTES ON ACCOUNTS
144
185
217
220
223
224
225
232
234
242
255
257
258
11. lqMl mm
259
12. bwh
261
263
AUDITORS REPORT
223
224
225
220
232
234
242
255
257
258
260
12. DECLARATION
262
264
269
270
271
272
lOx
x
NOTICE
1.
x
xMsm Mr ei W M iWi rel AU ulrq M
xj mPi kU 9(3) (i) M mUhq xum MS xUMU x
Alr oM M zrUkUM q x il lSzM cl ar AU
27 esD, 2013 x MrpU aWh MUM Lx MrpU aWh
MUl M iUZ x il uw M Auk xqmi Wl iM (Aji
26 esD, 2016) iM MrpU aWh MUl M sL lr
Mr er|.
R. K. DUBEY
Ueu MzU So
Akr u mok lSzM
xjl : oasU
SlM : 10-6-2013
Place : Bengaluru
Date : 10-6-2013
Ommhr
NOTES
1. urZriqM uur:
1. EXPLANATORY STATEMENT:
The Explanatory Statement setting out the material
facts in respect of Item No. 3 of the Notice regarding
Election of Directors are annexed below.
2. APPOINTMENT OF PROXY:
A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT
THE MEETING IS ENTITLED TO APPOINT A PROXY TO
ATTEND AND VOTE INSTEAD OF HIMSELF AND SUCH
PROXY NEED NOT BE A SHAREHOLDER OF THE BANK.
The Proxy Form in order to be effective must be
lodged at the Head Office of the Bank, at least Four
days before the date of the Annual General Meeting
i.e. on or before the closing hours of the Bank on
Wednesday, 17 July 2013.
2. milk M lr:
oPM q pa sl u qiSl M AkMU UZlus zrUkUM
M Aml xjl mU oPM q pa sl u qiSl MUl Wi
milk M lr MUl M AkMU W AU Lx milk
oM M zrUkUM Wl AuzrM lW W | milkiu Tq
M mpu Wl M sL Ex uwM Aq oPM M iUZ
M xqmi x Mq x Mq 4 Sl mWs Aji okuU, 17
esD 2013 M r Exx mWs oM M mkl Mrsr q
eq / Se Mr eL |
4. REGISTRATION:
4. meMUh:
5. ATTENDANCE SLIP:
For the convenience of the shareholders,
attendance slip-cum-entry pass is annexed to
this notice. Shareholders/Proxy Holders/Authorised
Representative is requested to fill in, affix their
signatures at the space provided therein, and
surrender the same at the venue. Proxy/Authorised
Representative of a shareholder should state
on the attendance slip as Proxy or Authorised
Representative as the case may be. Shareholders
/ Proxy holders / Authorised Representatives may
note that the admission to the meeting will be
5. Emxji mc:
zrUkUM M xuk M sL Emxji mc - xW
- muz mx M Cx lOx M xj xsal Mr ar
W | zrUkUM / milkiukUM / mkMi milkr
x AlUk W M u Cx pU u Exq Emsok MUL aL
xjl mU Aml WxiU MU u Ex EmU xjl mU
mxii MU | zrUkUM M milk / mkMi milk
mU "milk" r "mkMi milk" ex p qqs
W ExM EssZ Emxji mc q MU | zrUkUM /
mYxkUM / mkMi milk lO MU M oPM q muz,
hosecretarial@canarabank.com
Shareholders holding shares in dematerialised form
are requested to intimate the aforesaid changes only
to their depository participants.
7. CLOSURE OF BOOKS:
The Register of shareholders and the share transfer
books of the Bank will remain closed from Saturday,
6th July 2013 to the Monday, 22nd July 2013 (both
days inclusive) in connection with the Annual
General Meeting and for the purpose of determining
the shareholders entitled to receive the dividend,
declared by the Bank.
7. oWr M oS MUl:
oM M zrUkUM M UexOU ij zrU AiUh oWr M
uwM xqlr oPM ij oM U bwi clu q pa
sl Lu spz M mmi M WMSU zrUkUM M lkUh
MUl Wi vluU, 6 esD 2013 x xquU, 22 esD
2013 iM (Sl Sl xWi) oS UZ eLa |
oM U spz Uz zrUkUM M oM Zi q Ur
CsYOlM lk AiUh (LlDLTO) / Ur CsYOlM
xqzkl xu (LlDxLx) xuk M qkrq x eq
Mr eLa | CsYOlM m q zrU M kUh MUlus
zrUkUM x AlUk W M Aml mi M mUuil ij
9. Tsr M xqMl:
9. CONSOLIDATION OF FOLIOS:
The shareholders who are holding shares in identical
order of names in more than one account are
requested to intimate Karvy Computershare Pvt. Ltd,
the ledger folio of such accounts together with the
share certificates to enable the Bank to consolidate all
the holdings into one account. The share certificates
will be returned to the Shareholders after making
necessary endorsement in due course.
El zrUkUM x, e lq M xqm q q LM
x AkM Zi q zrU UZi W, AlUk W M Mu
MmrOUzrU mCuO sqOQ M El Zi M Zi oW M
oU q xci MU, xj q zrU mqhm p S iM oM
U xp kUh M LM Zi q xqMl Mr e xM |
AuzrM mMl MUl M oS xSxr M rjxqr zrU
mqhm umx ML eLa |
10. ASu spz, rS MD W i:
lSzM M clu
In line with Section 9 (3) (i) of the Act, the Bank has as a
part of Eleventh Annual General Meeting of shareholders
of the Bank, decided to conduct the election of three
Directors from amongst the shareholders of the Bank
other than the Central Government.
ukM mukl:
Cx xok q sa up Aklrq / relA / ulrq / AkxclA q lWi mukl M xMi lql xUh q Sr ar W:
Aklrq, rel, ulrq,
Akxcl
mukl
xmi uuUh
kU 16 (1)
kU 20
kU 13(2)
ZQ
ZQ
ZQ
ZQ
ZQ
ZQ
ulrq
ulrq
ulrq
ulrq
ulrq
ulrq
ulrq
ulrq
ulrq
ulrq
oMa Mml
UrMi oM M oQ mU luci lSzM M sL rar u Eci qlSQ
(Emq M
AkaWh u AiUh)
Aklrq, 1970
M kU 9(3LL)
ij kU 9(3Lo)
M Alui
9(4)
10
11
11 L
11 o
12(8)
10
61
63
64
65
66
67
68
69
70
LEGAL PROVISIONS:
The following table indicates the provisions contained in various Acts/ Scheme/ Regulations/ Notifications applicable
in this regard:
ACT, SCHEME, REGULATIONS,
PROVISIONS
NOTIFICATIONS
The Banking Regulation Act, 1949 Section 16 (1)
Section 20
SHORT PARTICULARS
10
11
M. rS Ex Mp Susr lhi Mr ar W r
ExM sl SU M cMi lW Mr W r
Z. Ex uoql mr ar W r xq lrrsr
U Lx bwi Mr ar W
B. In terms of Notification of Reserve Bank of IndiaDBOD No. BC. No. 46 & 47/29.39.001/200708 dated 01.11.2007 read with No. DBOD.
BC.No.95/29.39.001/2010-11 dated 23rd May,
2011, he is not found to be fit and proper person,
by the Nomination Committee of the Directors of
the Bank.
12
13
14
15
lucl M mU mr M xcsl Cx Mr M sL oM
U lr xui qZr lucl mSkMU U Mr eLa
ij CxM mruh MlS xUMU M lqi U M eLa
e mruM M m q Mr MUa |
kUh lW MUi W|
16
24. lSzM M Wi
oM M lSzM rS clu sQi W i Lx xqf eLa
M u Emr MUoU qS q Wi UZa |
Ueu MzU So
Akr u mok lSzM
xjl : oasU
SlM : 10-6-2013
R. K. DUBEY
Place : Bengaluru
Date : 10-6-2013
17
lSzM M lu
lucl-xo Aklrq, rel AU
ulrq AS M xUz
i)
18
19
20
uxlri AU amlri
lri M m q Sriu:
kU 13 (2): lr oM M mirM lSzM, xjlM oQ r xqi
M xSxr r sZ mUM, mUqzSi, AkMU r Alr MqcU
Aml Miur q mu Wl M mWs ixU xc q mri m q
uxlri AU amlri M bwh MU|
i)
21
remove any Director elected under Clause (i) of SubSection (3) of Section 9 and elect instead of another
person to fill the vacancy.
Clause 11 B: Filling of Vacancy in the Office of an Elected
Director:
1. Where any vacancy occurs before the expiry of the
term of office of a elected Director, the vacancy shall
be filled in by election;
zw lSzM U pU er|
2. ex p xji W EmZQ (1) q luci r zqs Mr
ar ur ExM muui lSzM M zw Auk iM mS
xpsa|
lSzM U WikUh M mMO Mr el:
ZQ 12(8): UrMi oM U r ExM m q mu Mx
xuS, Gh, mokl r mxiu q mir r Amir m x Wi
UZl us lSzM xo mUxjir M oU q ExM elMU q
Al M oS eil zb W xM oQ M Aml Wi M xupu M
oU q mMO MUa AU elMU mmi MUl M sL Alr lSzM
U ExM Emxji M Am lW M ei i Lx, xuS, Gh,
mokl r mxiu mU cc M el us oQ M oPM q Emxji
lW Wa AU Emxji Wl Ami MD p lSzM Lx xuS,
Gh, mokl r mxiu mU qiSl lW MUa|
ozi M uW:
(i) Mml Aklrq 1956 (1956 M 1) q mUpwi Mx
xuelM Mml q mS me M S mizii x AlkM
22
Akrr II
zrU u zrU mer
CHAPTER II
SHARES AND SHARE REGISTER
Akrr IV
zrUkUM M oPM
61. xqlr oPM q qiSl
(i) Mx xqlr oPM q qiSl M sL mxii Mr ar
xMsm mU, qiSl Ami lW W i Wj SZl M U
lhr sr era|
(ii) Aklrq M mukl M Alrj xqlr oPM M xql
mxii Mr ar WU qqs mU oWqi U lhr sr
era|
(iii) Em ulrq (i) M iWi qiSl Ami lW Wi i oPM
M Akr M Cx Azr M bwh M Wj SZl M
U xMsm uzw M LMqi x r oWqi uzw M xj
Amlr ar W r Amlr lW ar W AU Lx xMsm
M m q r u mmi qi M xZr AU Almi M
xr M ol MruW M Mruii UWl us oWr q
Cx Azr M mu Ex ijr M lwMwiqM xr Wa|
(iv) Wj SZMU Mx xMsm mU Mr ar qiSl M mUhq
M bwh M mWs r Mr el mU oPM M Akr U
qiSl M ASz Sr e xMi W AU urai m x
r mYx U Emxji Mx zrUkUM r zrUkUM U
Ex Azr x M aD qa mU qiSl mmi MUl M sL
AS Wa|
23
Akrr V
lSzM M lucl
63. xqlr oPM q luci Mr el us lSzM:
i)
CHAPTER V
ELECTION OF DIRECTORS
63. Directors to be elected at General Meeting:
i) A Director under Clause (i) of Sub-Section (3)
of Section 9 of the Act shall be elected by the
Shareholders on the register, other than the
Central Government, from amongst themselves
in the General Meeting of Canara Bank.
ii) Where an election of a Director is to be held at
any General Meeting, the notice thereof shall be
included in the notice convening the meeting.
Every such notice shall specify the number
of Directors to be elected and the particulars
of vacancies in respect of which the election is to
be held.
24
Akrr VI
zrUkUM M qiSl AkMU:
68. qiSl AkMU M lkUh:
i)
25
CHAPTER VI
VOTING RIGHTS OF SHAREHOLDERS
68. Determination of Voting Rights:
i) Subject to the provisions contained in Section 3 (2E)
of the Act, each shareholder who has been registered
as a shareholder on the date of closure of the register
prior to the date of a General Meeting shall, at such
meeting, have one vote on show of hands and in
case of a poll shall have one vote for each share held
by him.
ii) Subject to the provisions contained in Section 3
(2E) of the Act, every shareholder entitled to vote as
aforesaid who, not being a company, is present in
person or by proxy or who being a company is present
by a duly authorized representative, or by proxy shall
have one vote on a show of hands and in case of a
poll shall have one vote for each share held by him as
stated hereinabove in Sub-Regulation (i).
i)
i)
70. Proxies:
i) No instrument of proxy shall be valid unless, in the
case of an individual shareholder, it is signed by him
or by his attorney duly authorized in writing or in the
case of joint holders, it is signed by the Shareholder
first named in the register or his attorney duly
authorized in writing or in the case of the body
corporate signed by its officer or an attorney duly
authorized in writing;
26
27
2010-11
2011-12
2012-13
mS me / Paid-up Capital
443
AUi lkr / Reserves
19597
Ms eqL / Aggregate Deposits
293437
u (%) / Growth (%)
25.05
Alux eqL / Non-Resident Deposits
12884
uSz MUoU / Foreign Business Turnover
124095
Aaq (lus) / Advances (Net)
211268
u (%) / Growth (%)
24.76
ZSU Aaq / Retail Advances
25259
mjqMi Aaq / Priority Sector Advances
62108
Mw / Agriculture
26305
Mw (xuiUh) / Agriculture(Disbursal)
22374
xq, sb u qkrq Eq / Micro, Small and Medium Enterprises
37684
Q AU AD rel M iWi Aaq / Advances under DRI Scheme
52
Ae / Aee aWM M Aaq / Advances to SC/ST Clients
5087
lri xZ / Export Credit
10489
Ms Ar / Total Income
25752
Ms urr / Total Expenditure
19660
mUcsl sp / Operating Profit
6091
lus sp / Net Profit
4026
zZA M xZr / Number of Branches
3257
LOLq M xZr / Number of ATMs
2216
aWM AkU ( MUQ q) / Clientele (In crore)
3.87
Ms MqcUr M xZr / Total Number of Staff
43397
xur xWri xqW (xZr) / Self Help Group (Nos.)
351000
qZr MrlwmSl Almi (%) / Key Performance Ratios (%)
15.38
me mrmii Almi / Capital Adequacy Ratio
mi zrU Ael (`) / Earnings Per Share (`)
97.83
oW qsr (`) / Book Value (`)
359.25
mi MqcU MUoU (` MUQ q ) / Business Per Employee (`crore)
11.96
mi MqcU sp (` sZ q ) / Profit Per Employee (` lakh)
9.76
Axi Axir mU UOl / Return on Average Assets
1.42
sai-Ar Almi / Cost-Income Ratio
42.05
xMs Ll m L Almi / Gross NPA Ratio
1.49
lus Ll m L Almi / Net NPA Ratio
1.10
xZ- eq Almi / Credit - Deposit Ratio
72.00
mjqMi xZ- xqrei lus oM xZ / Priority Credit to Adjusted Net
Bank Credit
38.69
443
22247
327054
11.46
13762
144662
232490
10.04
24782
67383
31946
27327
34893
58
4293
10382
33778
27835
5943
3283
3600
2858
4.20
42272
371000
443
24435
355856
8.81
17164
143795
242177
4.17
23084
78998
40786
33730
37016
67
5179
10067
37231
31341
5890
2872
3728
3526
4.70
42693
398000
13.76
74.10
429.51
13.74
8.21
0.95
44.02
1.73
1.46
71.09
12.40
64.83
490.56
14.20
6.96
0.77
46.61
2.57
2.18
68.05
33.45
35.30
28
lSzM M UmO
2012-2013
DIRECTORS REPORT
29
I.
ur mUu
mUuz
pUir Ajuruxj saiU SxU uw q p qQUO UW |
MSr xZrM xaPl (xLxA) U eU M aD Aliq
Alql M AlxU uw 2012-13 M sL eQm u uw
2011-12 M 6.2% M isl q 5% Alqli W | Mw
AU Ea qz: 1.9% (3.6%) u 2.1% (3.5%) u
mmi M | xu q u SU Mq WMU 7.1% (8.2%)
UW | Ea M iWi oes, ax AU es Ami 4.2%
(6.5%), lqh 1% (2.7%) u Se M | xu, urmU,
WOs, mUuWl u xcU 6.4%(7%) u Se M, url,
oq, xjuU xmS u MUoU xuL 8.6% (11.7%) u Se
M ij xqSr, xqeM u urai xu 6.6%(6%) u
Se M |
I.
ECONOMIC ENVIRONMENT
Indian economy moderated for the second
consecutive year. As per the provisional estimates
released by the Central Statistical Organization (CSO),
GDP growth for 2012-13 estimated at 5% compared
to 6.2% in 2011-12. Agriculture and industrial sectors
grew by 1.9% (3.6%) and 2.1% (3.5%) respectively.
Growth in services sector decelerated to 7.1% (8.2%).
Under industry segments, while electricity, gas and
water supply grew by 4.2% (6.5%), manufacturing
sector grew by 1% (2.7%). Under Services, trade,
hotels, transport and communications grew by 6.4%
(7%), financing, insurance, real estate and business
services grew by 8.6% (11.7%) and community, social
and personal services grew by 6.6% (6%).
Inflation, which remained at an elevated level during
2012 eased significantly during the last quarter of
the financial year. During 2012-13, WPI inflation
moderated to an average of 7.3% as compared to 8.9%
in the previous year. Food and Fuel price inflation was
the source of upward pressure on overall inflation
during the year though non-food manufactured
products inflation declined in the latter half of the
financial year.
30
31
Um
x.AU.AU.
8.00 (-0.50)
4.75
22 xioU, 2012
8.00
4.50 (-0.25)
03 luoU, 2012
8.00
4.25 (-0.25)
29 eluU, 2013
7.75(-0.25)
4.25
09 TUuU, 2013
7.75
4.00 (-0.25)
7.50 (-0.25)
4.00
19 qc, 2013
Effective Since
April 17, 2012
Repo
CRR
8.00 (-0.50)
4.75
8.00
4.50 (-0.25)
November 3, 2012
8.00
4.25 (-0.25)
7.75(-0.25)
4.25
February 9, 2013
7.75
4.00 (-0.25)
7.50 (-0.25)
4.00
32
uw 2013-14 M sL SMh
uM u M xpulL kU kU qeoi oli WA SZD S
UW W sMl lMUiqM eZq Fc xiU mU ol UW | AiUr
qSM lk Aml luliq u AjM SMh q uM u
M uw 2013 M sL 3.3% AU 2014 M sL 4% Szr W |
EpUi AU uMxzs AjuruxjL u M ai M olL UZa
AU uM u M liiu MUa | ijm, MD AjuruxjA q
mcsi MqeU o qa ij urmM AjM Axisl iuUi
lmOl M mpui MU xMi W |
33
III.
uw 2012-13 q MlU oM
ur lwmSl
FINANCIAL PERFORMANCE
oM uw 2012-13 M sL mNs uw M
`3283 MUQ M isl q `2872 MUQ
lus sp mmi ML | mUcsl sp
mNs uw M `5943 MUQ M isl q
`5890 MUQ UW | uw M sL Axi
Axir mU Ael 0.77% UW | uw M
sL mi MqcU sp `6.96 sZ UW |
34
zrUkUM qsr q u
qc
2013
lk sai
6.72
6.96
lk x miTs
8.95
9.05
eqUzr M sai
7.35
7.72
Aaq x miTs
10.93
11.13
luz x miTs
7.96
8.12
Axi Mr lk (LQosrLT) M
sL xmQ % M m q
2.23
2.09
2.50
2.40
1.35
1.37
0.95
0.77
DYuO mU misp
18.75
14.03
mi MqcU MUoU
(` MUQ q)
13.74
mi MqcU sp (` sZ q)
March
2012
March
2013
Cost of Funds
6.72
6.96
Yield on Funds
8.95
9.05
Cost of Deposits
7.35
7.72
Yield on Advances
10.93
11.13
Yield on Investments
7.96
8.12
Spread as a % to AWF
2.23
2.09
2.50
2.40
1.35
1.37
0.95
0.77
Return on Equity
18.75
14.03
13.74
14.20
14.20
8.21
6.96
8.21
6.96
oW qsr (`)
429.51
490.56
429.51
490.56
74.10
64.83
74.10
64.83
35
Ar u urr uzswh
oM M ore Ar mNs ur uw M
While
interest
expenditure
increased to `26199 crore with
a y-o-y increase of 13%, the
Bank contained its increase
in operating expenses at 10%
amounting to `5142 crore. The
net interest income of the Bank
stood at `7879 crore and Net
Interest Margin (NIM) worked out at 2.40%.
qc 2012
qc 2013
210875
243348
21829
23776
10.35
9.77
OrU II me
7179
6388
3.41
2.63
29008
30164
13.76
12.40
March 2012
March 2013
210875
243348
21829
23776
CRAR (%)(Tier I)
10.35
9.77
Tier II Capital
7179
6388
3.41
2.63
29008
30164
13.76
12.40
36
MUoU xu
BUSINESS GROWTH
eqL
mNs uw M `327054 MUQ M isl
q rj qc 2013 M oM M Ms eqL
8.8% u Se MUM `355856 MUQ
iM mWc | uw M SUl oM l eq M
mqhm xWi `74500 MUQ M E
saius eq Uz M lMs SL |
mUhqi: xQ xWi E saius
jM eqA M Wxx qc 2012 M
45% x bOMU rj qc, 2013 M 20%
W ar |
Deposits
Total Deposits of the Bank
registered a growth of 8.8% to
reach `355856 crore as at March
2013 compared to `327054 crore a
year ago. During the year, the Bank
shed about `74500 crore of high
cost deposits, including Certificate
of Deposits. As a result, the
share of high cost bulk deposits
including CDs came down from
45% as at March 2012 to 20% as at
March 2013.
37
z Gh
Education Loans
MUl M sL sZ mipul N M
mixWi Mr W | oM M z Gh
xupa M AU oRMU `4343 MUQ
Mr W | rj qc 2013 M oM l 2.17
sZ N M Gh mSl Mr | z
Gh mU ore AlSl M sL MlSr
rel M iWi AlSl Almr MUl M
sL oM M lQs oM M m q lq
Mr ar |
Mw
rj qc 2013 M oM M xqc luz (lus) `121133 MUQ
UW | xupa xzki Auk mNs uw qc 2012 M 4.62
x 4.73 iM oR ar | Mq SlMi mipir M NQl AU
qkrq AU Sb SlMi mipir q lL xU x luz MUl M
MUh oMus M sL Emsok xzki Auk rj qc 2012
M 3.23 x rj qc 2013 M 4.16 WD | uw M sL urmUM
sp mNs uw M `324 M isl q `676 MUQ j | luz
mU miTs mNs uw M 7.96% M isl q rj qc 2013 M
8.12% iM oR |
TREASURY
Aggregate investments (net) of the Bank was at `121133
crore as at March 2013. Portfolio modified duration
increased to 4.73 years from 4.62 years as at March 2012.
The modified duration of the Available for Sale (AFS)
portfolio increased to 4.16 years as at March 2013 from
3.23 years as at March 2012 due to redemption of short
dated securities and fresh investments made in medium
and long dated securities. The trading profit for the year
was `676 crore as against `324 crore last year. The yield
on investments improved to 8.12% compared to 7.96% a
year ago.
38
AiUr mUcsl
INTERNATIONAL OPERATIONS
39
OTHER SERVICES
Alr xuL
oM M urmU oMa mpa pUir Ur Uemj mkMU AU
aqh uiMUh laq sqOQ M meai sp ok m M eU
ML el M Mq xps W | pUir Ur Uemj mkMU AU
aqh uiMUh laq sqOQ M meai sp ok m eU
MUl x urmU oMa upa U LMi M aD Uz `83.95
MUQ j | uw M SUl "DYuO M Eci qsrMl" M 7
uzwMi xqlSzl M p xps W |
il le msxqO Czr M sL oM uxsMi oMU M m
q Mq Mr exq `1285.78 MUQ M lkr zqs W |
lq zZA U L Lx o L M iWi xcsl M aD CzrA
M xZr 30 W ij `44.12 MUQ Uz Mqr ar | rj qc
2013 M L Lx o L M iWi lq zZA M xZr 152
x 1874 WD |
uw M SUl xQMzl am l `3283 MUQ salus
mUrelA M xps elq `2257 MUQ Ms oMr sai
W | am l xQMzl mUcsl x oQ mql mU zsM AkUi
Ar Ai M W | xQM, zU, qO Us AS ex up upa
q mUrelA M sL lkr M mokl Mr |
"oM LzrUx" upa M iWi eul AU euliU oq Sl
upa q aP-eQ mok W | MlU Lc.Lx.o.x. BULOs
oM BT Mqx eul oq Mml M xj aP-eQ x `25.90
MUQ Mqzl M m q MqD | qrcAs TQ MUoU M iWi
Aml xr ucU MlU UoM Axi mokl Mml sqOQ x
Mqzl M m q `4.95 MUQ mmi M | oM l qxx rlCOQ
CQr ClvrUx Mqml s. x elUs ClvrUx uruxr Wi aPeQ Mr AU mUhqxum Cx uw `11.92 MUQ Mqzl Ar
Mqr | oM l mU Sz q Ts Aml zZA M qkrq x lri
lir M umhl Wi qxx pUir lri Gh aUO laq x
MmUO Lex MUU Mr W |
40
41
M aD W AU El MS q oM M zZL r.AD.Q.L. Zi M
xpsl M sL lq M aD W |
During the year, the Bank has entered into a MoU with
Ministry of HRD for implementing Maulana Azad
National Fellowship, 6 UGC Scholarship Schemes and
National Scheme of Incentives to Girls for Secondary
Education (NSIGSE).
`4006
4006 MUQ - Ao iM M xukM
lMS uxs
Axi ahu
u
oM l Ll m L lri MUl M sL AcN mSzl Mr W ij
UMQ lMS uxs M W | rj qc 2013 M oM M xMs
Ll m L xiU 2.57% M xMs Ll m L Almi M xj `6260
MUQ UW | oM M xMs Ll m L Almi Alr qWiumh oM
x Mq UW | `5278 MUQ lus Ll m L xiU M xj CxM
Almi 2.18% UW |
ur uw 12 M `3296 MUQ M lMS uxs M isl q
ur uw 13 M SUl xukM `4006 MUQ M lMS uxs
WD | Cxq x `1488 MUQ M uxs o Zi Qsl x u
Almrei Zi M uxs x WD |
uw M SUl xUTx Aklrq M iWi `1560 MUQ M uxs
M aD | oM l 22500 uxs oPM Arei M exM mUhq
xum `1250 MUQ M uxs WD | sM ASsi M iWi 820
qqs lmO ar exq x `14.50 MUQ uxs M aD | uw M
Asset Quality
The Bank has performed well in containing
Non-performing Assets (NPA) and made record cash
recoveries. The gross NPA level of the Bank stood at
`6260 crore, with a gross NPA ratio at 2.57% as at March
2013. The Banks gross NPA ratio continues to be one of
the lowest among peers. With a Net NPA level of `5278
crore, the net NPA ratio was at 2.18%.
Cash Recovery during FY13 aggregated to a record `4006
crore compared to `3296 crore for FY12. Out of this,
recovery from written off accounts at branches, writeback and unapplied interest together amounted to
`1488 crore.
During the year, recovery amounting to `1560 crore
was made under SARFAESI Act. The Bank conducted
22500 recovery meets, which resulted in a recovery of
`1250 crore. Under Lokadalat, 820 cases were settled
42
eZq mokl
Risk Management
43
oxs II M iW
iWi LQuxQ SMh M Amll
oxs II M iWi LQuxQ SMh q AiUh Wi xZ M sL
me, oeU ij mUcsliqM eZq AS M mUMsl M sL,
oM q ij CxM lMr q LOUmCx uCQ LMMi eZq
mokl xsrzl M Mrlurl M sL LM mUqzSi M xu,
oM M AuzrM eZq mokl Rc oll M sL xWri mSl
MUl Wi, lrei Mr ar W |
oM l xZ eZq M sL me mpU M mUMsl Wi AiUM
UOa AkUi SMh Amll M sL Azr-m pUir Ueu
oM M Se Mr W ij oeU eZq u mUcsl eZq Wi
LQuxQ SMh q AiUh M sL AuSl M cUho iUM x
mxii Mr eLa|
oxs III M sL irU
oMa mruh mU oxs xqi M SzlSz M euo M
m q pUir Ueu oM l SlM 02 qD, 2012 M oxs III
SzlSz M eU Mr W | oxs III me ulrq mU Aiq
SzlSz LM cUho iUM x SlM 01 Ams, 2013 x mpu
Wa | pUir Ueu oM M SzlSz M AlxU, 31 qc,
2018 iM oxs III SzlSz M xmh Mrlurl M sL,
pUir oM M 5.50% M lrliq xqlr DYuO OrU I me,
7.00% OrU I me, 9.00% M Ms me ij 2.50% M me
xUh oTU M AuzrMi W | oM M p 01 eluU, 2013
x 01 eluU, 2017 iM M xqiU Ul M SUl 4.5% M lrliq
OrU I sp Almi M, eZq AkUi me AuzrMiA M
sL uxlr mUM Emr M m q olL UZl cWL|
oxs III M mpu M lkUh M sL oM M AiUM Alql M
AlxU oM lkUi AuzrMi M FmU xDO I u OrU I me
M xj mrmi m x meMi UWa | xj q oM M mx puwr
q Mx Mq M qqs q me eOl M sL mrmi aeCz p
Emsok W |
oM U Aml oWr q Wlus me M mq AU ahu M
xj Lx EqqS Mr ar W M oxs III q AiUh M Mx p
MPlD M ol ur uw 2014 iM mU Mr eLa | Aa WqU
oM M me AuzrMiA M mi lL DYuO me eQl x,
sp M mikUh, MUoU suU M AlMsl u m LYOu me
Arel ij mokl AS M qkrq x Mr eLa |
xZ eZq mokl
oM q xZ eZq mokl M sL urmM lir AU mrA
xWi MD eZq mokl mhs Emsok W | oM U sL aL
up mWs lqllxU W |
44
oM q LM uz xZ laUl li Emsok W | oM M
xZ laUl li q xxm Mr ar Gh xq i
xq M xp mWsA M muUi MUi W ij saiU Gh
oW M qsrMl M sL laUl LM mpu EmMUh W AU
xZ sZ mU xWi xZ mzxl, e xZ mzxl u
laUl upa U mzxi W, q ahiqM xkU sl M
CUS W |
45
Ur mjqMiL
NATIONAL PRIORITIES
mjqMi Aaq
oM Mw, xq u sb Eq, z, Aux, xq Gh, MqeU ua,
Ae / Aee AU uzwMi Asm xZrM xqSr M zqs
MUM Ur mjqMiA M iWi up sr M qWiu Si
A UW W |
(Uz ` MUQ q)
(Amt. in `Crore)
mjqMi Aaq
rj qc
2012
2013
u
Uz
Priority Sector
Advances
As at March
2012
Growth
2013 Amount
Ms mjqMi
67383 78998
11615
17.24
67383 78998
11615
17.24
Mw
31946 40786
8840
27.67
Agriculture
31946 40786
8840
27.67
mir Mw
27848 37984
10136
36.40
Direct Agriculture
27848 37984
10136
36.40
46
xUMU U mrei up
up relA M iWi MrlwmSl
rel M lq
m Lq AU uD
m Lq D e m
Lx e Lx uD
Lx e Lx AU uD
Lx Ls AU Lx
Q AU AD
Ms
Zi M xZr
21088
5857
35518
13150
195
57232
133040
Uz ` MUQ q
148.77
163.32
196.36
75.61
1.25
66.89
652.20
47
(Uz ` MUQ q)
oMr
22050.00
646.57
5178.97
66.89
196.36
75.61
1331.42
1.25
Lq Lx Lq D Gh
rj qc 2013 M xq, sb u qkrq Eq M sL Aaq
`37016 MUQ mWc ar | x e O Lq Lx D M Gh aUO
rel M iWi rj qc 2013 M oM `2528 MUQ M xj
73083 Zi M muUi Mr ar |
MSME Lending
Advances to Micro, Small and Medium Enterprises
(MSMEs) reached `37016 crore as at March 2013. The
Bank has covered 73083 accounts with a loan amount of
`2528 crore as at March 2013 under the Credit Guarantee
Scheme of Credit Guarantee Fund Trust for Micro and
Small Enterprises (CGTMSE).
48
49
xq u zZL
oM l zWU MS q 19 xq u zZL Zs W, elM Ms
MUoU q raSl `211 MUQ W|
50
Mxl Yso
ur uw 13 M SUl 123 Mxl Yso M aPl Mr ar
exx SzpU q oM M 1500 Mxl Yso W ar W | ClW
Mxl Yso M qkrq x aqh eliA M oMa EimS ij
lul maM M oU q xci Mr ei W |
MlU aqh uMx uWl:
oM l aqh eli M oc oM M EimS AU oMa xukA
M elMU Emsok MUl M Ezr x SzpU q 35 es q
MlU aqh uMx uWl Emsok MUD W|
or qOM L O Lq
ur uw 13 M SUl oM l 6 or qOM LOLq CxOs ML
W elM Ms xZr 29 W| rW or qOM LOLq or qOM
sh ex Aasr M lzl M Cxiqs MU Aml Zi
SZl u Uz AWUi MUl r Ua MO M Cxiqs MU zw Uz
mMUh MUl q aqh AlmR aWM M xq oli W|
Gh xWoi
oci oM Zi Zsl M xj-xj oM, MlU lD Sz rel
M iWi MD xU xukL ex AilWi AuUQnO, Mxl
QO MQ, xqlr QO MQ, Q AU AD rel, xur
xWri xqW, xq u xqW, xq oq u xq mzl AS
p mSl MU UW W |
Farmers Clubs
During FY13, 123 farmers clubs were formed, taking
the total tally to 1500 spread all over the country.
These farmers clubs disseminate information to the
rural people about the banking products and advanced
technology.
Canara Gramin Vikas Vahini
The Bank has provided Canara Gramin Vikas Vahini
Vehicles in 35 Districts across the country, with an
objective of providing awareness about banks products
and banking facilities among the rural households.
Biometric ATMs
The Bank has installed 29 biometric ATMs as at March
2013. These biometric ATMs enable the rural illiterate
customers to access their accounts using biometric
features like finger prints and withdraw the amount or
get balance confirmation, using color codes.
Credit Linkage
Besides opening BSB accounts, the Bank endeavored to
provide host of other facilities like In-Built Overdrafts
(IODs), Kisan Credit Cards (KCCs), General Credit Cards
(GCCs), Differential Rate of Interest Scheme (DRI), Self
Help Groups (SHGs), Micro Credit Groups (MCGs), Micro
Insurance and Micro Pension under Canara Nayee Disha
Scheme.
51
q.xu.x.xqW M aPl ML aL |
AkU lqMl
AADHAAR Enrolments
52
xqa oM
es M xZr
rj 31.03.2013 M
43
483
AoOi au M xZr
864
AoOi uQ M xZr
596
Zs aL lL Zi M xZr
271396
AkU mu ML aL Zi M xZr
362610
lL LOLq M xZr
109
43 es q Ms LOLq M xZr
483
Bank as a Whole
No. of Districts
As on 31.03.2013
43
483
864
596
271396
362610
109
483
Aah oM rel
Sz pU q MlU oM M 26 es q Aah oM M EUSriu
lp UW W, elq x AP MlOM q, xi iqslQ q, mc
MUs q, mc EU mSz q AU LM oWU q W| oM MUs Uer
q Uer xiUr oMx xqi (LxLsox) M xrel Mr p
MU UW W |
qWsA q Eq uMx
53
54
xxSr xqir M SU
uw 2012-13 M SUl Ae / Aee Msrh mU xxSr xqi,
q mU xjr xqi, xzMUh u xqeM lrr mU xjr
xqi AU uher mU xjr xqi l oM M SU Mr |
zZ i
Branch Network
31.03.2013
qWlaUr
777
811
zWU
792
795
AkzWU
1019
1055
aqh
1007
1062
3600
3728
xqSmUr
Ms zZr
Category
31.03.2012
31.03.2013
Metropolitan
777
811
Urban
792
795
Semi-urban
1019
1055
Rural
1007
1062
3600
3728
Overseas
Total Branches
55
No. of Branches
31.03.2013
31.03.2013
1. s q E
72
1. SMEs
72
2. xqSmUr
16
2. Overseas
16
3. Mw u
10
3. Agri-Finance
10
4. xq u
19
4. Micro Finance
19
5. oci
5. Savings
6. Alux pUir
6. NRIs
8. mCq MmUO
10
8. Prime Corporate
10
9. AaM u
9. Industrial Finance
11. me oeU
13. Aux u
14. zUUM m x Aq M sr zZ
Ms
TOTAL
161
xcl maM
aM mai
oM l uw M SUl xcl maM q up MSq
EPr j | oM Ao COUlO oMa, qoCs oMa, lnO AU
AU.O.e.Lx. M eUL lkr M AiUh, Lx.Lq.Lx. AsO,
AD.u.AU.Lx. M eUL mNiN AS ex maM oMa
xuA M mz-Mz MUi W | oM Aml ZS M Alwa qxx
MlU oM xYrUOe M eUL aWM M Bl sCl OQa
xuk p Emsok MUi W |
rj qc 2013 M 1296 MS q oM M 3526 L O Lq xji j|
uw M SUl oM l 668 L O Lq eQ| WD-OM oMa xukL,
ex LOLq, lMS / cM xuMiMi, mxoM mOa MrxM,
COUlO oMa, BlsCl urmU ij Os oMa, r D-sle
M aPl oasU ij Sss q Mr ar W AU uw 2013-14
M SUl Lx MD D-sle Zsl M relL W | qoCs
oMa M iWi oM l ADLTLxx MO u Zi xZr Cxiqs
MUM LqLqADQ M EssZ M ol lk AiUh M sL
AiUoM qoCs pail xu (ADLqmLx) AU ADuAULx
mU ADLqmLx M qkrq x Lq-Mqx (qoCs Om-Am) u
urmU pail xqji Mr W |
oM l COUlO oMa M iWi MN qsr ukl ML elq
ADLqmLx M qkrq x 24X7 lk AiUh, LaaOx OCqx
ql M sL CsYOlM pail COUTx, OMm, rOsO os M
161
InfoTech Progress
The Bank took several initiatives on the InfoTech front
during the year. The Bank now offers several technology
banking services, such as, Internet Banking, Mobile
Banking, Funds Transfer through NEFT and RTGS, SMS
Alerts, IVRS based enquiry across all its branches. The Bank
also offers online trading facility to its clients through its
own subsidiary M/s Canara Bank Securities Ltd.
As at March 2013, the Bank had 3526 ATMs spread
across 1296 centres. During the year, the Bank added 668
ATMs. E-lounges with hi-tech banking facilities like ATM,
Cash/ Cheque Acceptor, Passbook printing kiosk, internet
banking, online trading and telebanking have been set
up in Bangalore and Delhi and more such lounges are
planned during 2013-14. Under mobile banking, the
Bank enabled interbank mobile payment service (IMPS)
using IFSC code and account number for transfer of
funds without mentioning MMID, M-commerce (mobile
top up) and merchant payments (mobile top up) through
IMPS on IVRS.
The Bank has made a few value additions under internet
banking that include 24X7 fund transfer facility through
IMPS, Electronic Payment Interface for Aggregators Times
56
Several
Government
business
modules
were
implemented including core accounting solution (Govt.
E-payment gateway) for disbursement of funds through
digitally signed payment authorizations, software
module for E-payment of Prime Ministers National Relief
Fund, release of National Pension System online software,
E-scroll functionality implementation in Central Pension
Processing Centre for claiming reimbursement of pension
payments.
qlu z
rj qc 2013 M oM q 42693 MqcU MrUi W|
MqcUr M Ms xZr
AkMU
smM
Aklxj MqcU*
qc 2012
42272
17419
15802
9051
qc 2013
42693
17835
16095
8763
Manpower Profile
As at March 2013, the Bank had 42693 employees on its
rolls.
Total No. of Employees
Officers
Clerks
Sub-Staff*
March 2012
42272
17419
15802
9051
March 2013
42693
17835
16095
8763
57
Alxci
ei
3150
2875
2499
Alxci
elei
1200
957
384
8524
2541
Scheduled
Castes
3150
2875
2499
8524
Scheduled
Tribes
1200
957
384
2541
58
59
60
xaPliqM x
xUcl
cl q mUuil
xaPliqM m u Rc mU SoU krl Sr ar AU ExM
Akrrl Mr ar AU ExM MriqM EiMi mU krl Sr
ar|
urmU eOsiA, MN qWiumh Mr q AkM krl MlSi
MUl M AuzrMi AS M qleU mkl Mrsr M upa
M mlaPl Mr ar | uw M SUl LM lr upa, umhl u
MUoU mr mlulrx upa, M aPl Mr ar |
aWMlqZi
iimU xu Emsok MUl, uuk EimS / xuL Sl, aWM M
mN-iN M euo u aWM M zMri M luUh MUl M U
oM aWM M AmA M Alm MSq EPi W| oxLxoAD
U eU aWM M mi mioi xWi ' oM M uoxCO mU
Emsok W| zZA U S el us aWM xu M qsrMl
MUl AU ExM mixcl mmi MUl M sL oM M uoxCO
q LM aWM xi xuh mm' Emsok MUD aD W| aWM x
xfu mmi MUl M sL uw M SUl 15.11.2012 x 30.11.2012
iM LM aWM mZuQ M Arel Mr ar|
aWM M ElM zMri mxii MUl M sL aWM xu Alpa,
mkl Mrsr q Os T xmM xZr Emsok MUD aD| L O
Lq mUcsl u MQ x xoki qqs M mxii MUl M sL
EmraMiA M sL L O Lq xuc M, MQ mpa q p Os
T xmM xZr Emsok MUD aD W|
61
mir Lu mrL
uw M SUl Bl-xCO AUoADL M sL irU 2327 zZA/
CMCr q eZq AkUi AiUM sZmU (AUoADL)
Arei M aD| AUoADL M xj xcl xU sZmU p
Arei M aD| pUir Ueu oM SxlSz M AlxU rj
31.03.2012 iM oM M 730 zZA / DMCr (eqA M
70.2% AU Aaq M 80.5% muUi MUi WL) M xaq / xii
sZmU M aD| esl xqi M xTUz M AlxU 543
clS zZA M iqW AkU mU Ar / Uexu sZmU M
aD| uw M SUl 26 Acs Mrsr ij mkl Mrsr M 15
upa q AUoADL M Arel Mr ar |
BTxCO slSl laUl M (AOLq M) M xj-xj oM
l uw M SUl BTxCO laUl u AxkUh slSl M OM
MUl M sL Acs Mrsr q p BTxCO laUl M M
aPl Mr W | zZA q eZq M AueW M laUl M
sL SzlSzlxU zZA / Mrsr M qkruk BTxCO
eZq lkUh ML aL |
iuUi xkUiqM MUuD MUl M Ezr x clS q ucsl
M xji, rS W i, M mi sal M sL xmsa iMlM M
mUp Mr ar | AUoADL, LsLTLAU ij LLTAD Ommhr
M mi Wxs M aD mai M xq M sL luW sZ
mU z M aD | Axir M xU xli MUl M sL
zZA M AUoADL M SUl DLqO mUxmr / Sxiue
M 100% xirml p z M aD |
Aml aWM M elL (M.uD.x.)
oM U Aml aWM M elL AU klzkl luUM x xoki
SzlSz M mpu Mrlurl Wi MD Emr ML aL W AU
xp zZA q M.uD.x. M 100% Almsl xli Mr
ar W |
M. uD. x. / L.Lq.Ls. SzlSz M oWiU Almsl xli
MUl Wi lqlMi MSq EPL aL W :
62
Vigilance Setup
xiMi uruxj
oM M xiMi upa M liiu qW mokM h M qZr xiMi
AkMU U Mr ei W AU ElM xqjl 34 Acs, mkl Mrsr
AU r aqh oM AU oM M Alwar M xiMi
AkMUr U Mr ei W| xiMi upa M Ezr Alzxl
u uMx M xli MUl ij WqU oM M qWl FcDr
iM s el W|
63
xU mok
uw M SUl xU mok M AU qeoi olr ar| zZA
q xU M xkUl M sL 1554 zZA q x x O u
xxOq CxOs ML ar| E M AiU xU M laUl
M sL xxOu xxOq M xj 1021 L O Lq p Emsok
MUL aL| pUir Ueu oM M SzlSz M AlxU 85
qS ieUr q q or qOM LYxx MOs xxOq Emsok
MUL aL|
mukql mUuz
uw M SUl oM M 200 x AkM zZA q mUuz q
xkU M Mq Mr ar| uiql ur uw M SUl 1000
AkM zZA M uilMsi MUM mUuz q xkU M sL
MSq EPL aL |
xcl M AkMU
xcl M AkMU Aklrq 2005 M iWi, oM l xcl
Sl ij mUSzi sl M sL LM Allr xcl M AkMU
Aklrq MlS M xjml M W | xcl M AkMU Aklrq
M AuzrMi M AlxU AuSM M xcl Emsok MUl
M sL MlU oM l Aml xp 34 Acs q el xcl
AkMUr ij Amsr mkMUr M lqi Mr W| uw
M SUl xcl M AkMU Aklrq, 2005 M mukl M
AlxU oM l 3352 xcl M AkMU AuSl, 520 mjq
Ams ij 65 ir Ams mmi M|
Uepw M Mrlurl
xqkl uw M SUl, oM l Uepw Mrlurl M Aiai
xUWlr mai M W AU up xiU mU MD mUxMU mmi
ML | oasU mkl Mrsr, MUls u qSU Acs Mrsr
M laU Uepw Mrlurl xqir U mjq mUxMU Sr
Security Arrangements
During the year, security measures have been
strengthened. To improve the security at branches, CCTV
systems are installed in 1554 branches. In addition
to the above, 1021 ATMs are also provided with CCTV
system to monitor the security. 85 Currency Chests are
provided with Biometric Access Control System as per RBI
guidelines.
Ambience Improvement
During the year, ambience improvement work was carried
out in more than 200 branches of the Bank. The Bank has
initiated steps for ambience improvement including air
conditioning in 1000 more branches during the current
financial year.
Right to Information
Under the Right to Information Act, 2005, an exclusive
Right to Information Act outfit is functioning to
provide information and bring transparency. As per the
requirement of the RTI Act, the Bank has nominated
Public Information Officers and Appellate Authorities
at Head Office and in all its 34 Circle Offices to provide
information to the applicants. During the year, the Bank
received 3352 RTI applications, 520 First Appeals and 65
Second Appeals as per the provisions of RTI Act, 2005.
Implementation of Official Language
The Bank made noteworthy progress under the
implementation of official language and won many
prizes at various levels during the year under review. The
Bank was awarded first prize by Town Official Language
Implementation Committees at Bangalore (Head Office),
Karnal and Madurai Circles. Apart from this, many Circles
64
65
q MlU oM l MD Emsokr
66
ur xmU oeU
FINANCIAL SUPERMARKET
67
68
69
mUxMU ij mzxir
AWARDS/ACCOLADES
mUxMU ij
ij mzxir
up mWsA M mWcl M m q oM M uw M SUl lql
mUxMU x lue aL
1st Rank for Self Help Groups Linkage for the year
2011-12 in the State of Bihar.
AD o L oMa OYlse
70
oM M up lir
qi xk Mwhl
uiql q qi xk Mwhl pUi xUMU, u qsr M urr
upa M xr xcu (MqM) W |
Ueu MzU So
uw 1977 q Ueu MzU So meo lzls oM q mokl
mz M m q lr WL AU 2008 q qW mokM M mS q
mSi WL | uw 2010 q xOs oM BT CQr M MrmsM
lSzM M m q lr WL |
Shri R K Dubey
Shri R K Dubey joined Punjab National Bank in the year
1977 as a Management Trainee and moved up to the
ranks of a General Manager in 2008. He was appointed
as Executive Director of Central Bank of India in 2010.
71
klruS
Aml xp WikUM rl zrUkUM, aWM, luzM, xUMU,
pUir Ueu oM, MqcUr u qZr m x eli M AkMiq
miTs Sl M sL oM l MD MSq EPL|
ACKNOWLEDGEMENT
The Bank made several initiatives to maximize rewards
for all its stakeholders, viz., shareholders, customers,
investors, Government, RBI, employees and the public
at large.
cWi W|
Ueu MzU So
Akr u mok lSzM
R K DUBEY
CHAIRMAN AND MANAGING DIRECTOR
72
1.
4. uoxCO: www.canarabank.com
5. D-qs: edscrt@canarabank.com
Ms Ur xjs: 3723
10. Mml U x
xuL Emsok MUl M qMO: - Ur u
AiUr l
FmU uhi olS 9 (i) M xjl M AiU oM M milkiu
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Mqx oM BT CQr, LiLix qxM x q W|
pa Z: Mml M ur uuUh
1.
3. MU mi Ms sp (`
(` q): `2872 MUQ
73
5. E qS 4 q ML aL Zc M rMsm M xc:
. Mr
x.
mrei
xZr
M z
Uz
(`` sZ q)
220
74.68
Z xuxjr
67
101.71
a Sl
68
27.29
294
55.17
Q. Fe xUh
12
6.68
c qWs Msrh
32
33.00
N Mzs uMx
831.00
697
1129.53
b xqeM Msrh u
xWri
Ms
No. of
Sponsorships
a Education
Amount
(` lakh)
220
74.68
b Health
67
101.71
c Charities
68
27.29
294
55.17
e Energy Conservation
12
6.68
f Women Welfare
32
33.00
831.00
697
1129.53
g Skill Development
Total
a. Education
M. z
.
x.
Sl Activity
No.
SlaW M lq
Ezr
Sl
No.
Uz
(`` sZ q)
Name of Donee
Purpose
1.58
1 Govt. Primary
School Bangarpet
and Bidadi
2 qWahmi E
usr, xmU
MmrOU, xMlU u
rmLx
1.00
3 xuq uuMlS ru
Aprl, qxU
QeOs
mxiMsr
4 pUo M AEOUc
Mrq
MlU oM
zZA U 26
sQMr M aS
sl
1.04
5 MlU oM eos
LeMzl TQ
QeOs
mxiMsr u
MmrOU
4.50
6 umzM MsUa,
EQmm
N M sL xU
aW oes
1.50
7 q. cilr xu xqi,
essWss, oasU
MmrOU,
xMlU u rmLx
CirS
1.06
15.00
School bags,
teaching aids to
school children
3 Swami Vivekanada
Youth Movement ,
Mysore
Digital Library
4 Outreach
Programme of RBI
26 Girls adopted
by Canara Bank
branches
1.58
1.00
15.00
1.04
4.50
6 Vidyaposhak
Kalarang, Udupi
1.50
7 M/S Chaithanya
Providing
Seva Samithi
Computers, Scanner
Jalahalli, Bangalore and Printer, etc.
74
Amount
(` lakh)
1.06
8 MlU oM M up
zZL
up xMs M N
M sL xMs oxi,
xMs uS, mRD M
xqa, TlcU, es
zkM,
20.92
9. AoS Mse,
Sss
xpaU M xMUh
12.28
Ms
Sl aW M lq
9. Sri Aurobindo
College, Delhi
Furnishing of
Auditorium
12.28
Establishing Centre
of Excellence at
Aksharam
10.00
5.00
5.00
0.80
0.80
74.68
74.68
b. Health
Ezr
1 zMU lsr,
oasU
2 MlU oM M
up zZL AU
MN aU xUMU
xaPl
xuxjr ec zuU,
USl zuU,
Si ec zuU, l
ec zuU, Axmis
M EmMUh Emsok
MUl|
3 zMU MxU
TEQzl, oasU
20.92
10.00
Z. xuxjr
.
x.
5 oxiU us elUs
uQ M lqh
Uz
(`` sZ q)
1.00
5.55
11.00
75
Sl.
No.
Name of the
Donee
1 Shankar Eye
Hospital,
Bangalore
Purpose
Providing functional
Vision unit
Construction Of One
General Ward Room
With 5 Beds
Amount
(` lakh)
1.00
5.55
11.00
4 us lsr,
oasU
``lrl'' aQ
M lqh
8.00
5 UaQU qqUrs
WxmOs, oasU
xOxMm
EmMUh M
ZUS
5.00
40 xO us ox
M ZUS
Ms
50.00
6.16
15.00
SlaW M lq
Ezr
x.
Uz
(`` sZ q)
Alj M sL
qP M MmrOU Sl
1.84
16.70
MrUi aU xUMU
xaPl M xWri
3 CxMl AmM
UxD, Sss
4 Az MqrlO
pZ q Ss
3.75
Purchase of
Hysteroscopy
Equipment
5.00
6 Sri Jayadeva
Institute Of
Cardiology,
Bangalore
50.00
7 Kamala Nehru
Memorial
Hospital,
Allahabad
Establishing New 20
Bed General Ward to
Cancer Hospital
6.16
15.00
mUmMU Mr
5.00
Ms
Name of the
Donee
Ezr
azs M
lqh M sL ur
xWri
Uz
(`` sZ q)
1.00
Purpose
1.84
2 Assistance to
NGOs working
for the welfare of
Senior citizens,
orphans
Providing wheel
chairs, Cot, fridge for
hostel, Fans, Lights,
etc
16.70
3 ISKCON- AAPKI
RASOI, Delhi
Total
d. Social Welfare & Relief
Sr.
Name of the
Purpose
No.
Donee
1 Venkataramana Financial support
Ghoshala Karkala, for construction of
Udupi
Ghoshala
76
Amount
(` lakh)
1 Ramakrishna
Providing computers
Mutt, Hyderabad to the Mutt
27.29
101.71
Charities
xxrO, Sss
x.
1 uMOUql
azs MUMs,
EQmm
5 Rangadore
Memorial
Hospital,
Bangalore
Sr.
No.
WSUoS
2 uU laUM,
8.00
Total
c.
1 UqMwh qP,
Construction of
Mobile Unit Nayana
101.71
a. Sl
.
4 Vittala Eye
Hospital,
Bangalore
3.75
5.00
27.29
Amount
(` lakh)
1.00
2 WqU up
zZA M U
zUUM Aq,
qlxM Aq, oR u
AMs mQi AS M
sL xWri
mxS pul M
3 UaaQ mxl
Aelr xuq OxO, xMUh
oasU
4 xlW MUh BT
qxU xmxOM
xxrO, qxU
xUos msx M o
M mlux xuL
5 LxeLx OxO,
qxU
Axmis M lqh
Ms
SlaW M lq
Assistance to
physically challenged,
mentally challenged,
assistance to flood &
famine victims, etc
3 Ragi Gudda
Furnishing of
Prasada Bhavana
Sri Prasanna
Anjaneya Swamy
Trust, Bangalore
0.99
11.00
4 Sneha Kiran of
Mysore Spastic
Society, Mysore
Rehabilitation
Services to Children
of Cerebral Palsy
5.00
55.17
Q. Fe xUh
.
2 Through Canara
Bank Branches
37.18
Total
37.18
0.99
11.00
5.00
55.17
e. Energy Conservation
Ezr
x.
Uz
(`` sZ q)
Sr.
No.
Name of the
Donee
Purpose
Amount
(` lakh)
5.00
1 Kalakankar
Foundation, New
Delhi
Providing Solar
Lanterns to villagers
of Pratapgarh
5.00
2 MlU oM zZA
M xu M
up xMs
1.68
2 Different Schools
of service areas
of Canara Bank
branches
Providing Solar
lights, lamps, Solar
water heaters, etc.
1.68
xU oes, sm AS
Emsok MUl.
Ms
6.68
f.
c. qWs Msrh
.
SlaW M lq
Ezr
x.
1 up Acs
Total
qWsA M sL
Mrsr M xDQ
DQm Mrq M
Arel, qWsA
Uz
(`
` sZ q)
Women Welfare
Sr.
No.
33.00
M mUqz, qWs
Eqr M sL
qMOa AEOsO
M Arel
77
6.68
Name of the
Donee
1 Canara Banks
Circle OfficesCEDW Centres
Purpose
Organising
Entrepreneurship
Development
programmes
to women,
Counseling of
Women, organising
Marketing camps
outlet for women
entrepreneurs
Amount
(` lakh)
33.00
N. Mzs uMx
.
x.
Ezr
Uz
(`` sZ q)
1 aqh uMx u
xuUeaU mvh
xxjl (QxO)
EeU, MlOM
xmh pUi M
xp 27 QxO
M mzh Zc M
40%
300.00
SzmQ QxO
Wssrs M
mzh Zc M
50% Emsok MUl
15.00
3 AkmSv aqh u
Eqvsi uMx
oMx xxjl
(LmoADAUQ)
WSUoS
LmoADAUQ
xxjl M mzh
Zc M 10%
Emsok MUl
10.00
4 MlU oM xWoS
aqh uMx lrx
(xoxAUQ)
oasU
24 AUxO, 3
zsm mzh
xxjl, 4
xoADADO M
mzh Zc EPl
418.00
5 MlU ur mUqv
lrx
ur xUi mU
mzh
Ms
Sl.
No.
Name of Donee
831.00
Purpose
Amount
(` lakh)
1 Rural Development
and Self
Employment
Training Institute
(RUDSETI), Ujire,
Karnataka
40% training
expenditure of all
27 RUDSETIs all over
India
2 Deshpande Rural
Development and
Self Employment
Training Institute
(D RUDSETI),
Haliyal, Karnataka
Providing 50%
of training
expenditure
of Deshpande
RUDSETI, Haliyal
15.00
3 Andhra Pradesh
Bankers Institute
of Rural and
Entrepreneurship
Development
(APBIRED),
Hyderabad
Providing 10% of
the training cost
of the APBIRED
Institute
10.00
4 Canara Bank
Centenary Rural
Development Trust
(CBCRD), Bangalore
Providing Training
cost of 24 RSETIs,
3 Artisan Training
Institutes and 4
CBIITs all over India
418.00
5 Canara Financial
Advisory Trust
Providing Training
on financial literacy
88.00
88.00
pa a: Alr uuUh
1.
Skill Development
g.
SlaW M lq
Total
300.00
831.00
Z) MloM TYOU s.
a) MlU oM xYrUUOe s.
78
i)
i)
pa b : MUoU EUSriu
EUSriu xcl
1.
Section D: BR Information
orU
uuUh
S.
No.
x.
Particulars
Details
QADLl xZr
00016704
DIN Number
00016704
lq
AzM MqU
ami
Name
mSlq
MrmsM lSzM
Designation
orU
uuUh
S.
No.
x.
Particulars
Details
1. QADLl xZr
(rS sa W)
sa lW
1. DIN Number
(if applicable)
Not Applicable
2. lq
Lx Lx pO
2. Name
Shri S S Bhat
3. mSlq
qW mokM
3. Designation
General Manager
4. SUpw
08022128840
4. Telephone number
08022128840
5. D-qs
pcfiw@canarabank.com
5. e-mail id
pcfiw@canarabank.com
79
m
m1 m
m2
2 m
m3
3 m
m4
4 m
m55 m
m6
6 m
m7
7 m
m8
8 m
m9
9
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
$www.canarabank.com
P1 P2 P3 P4 P5 P6 P7 P8 P9
Y Y Y Y Y Y Y Y Y
2.
3.
4.
Has the policy being approved by the Board? If yes, has it been signed
by MD/Owner/CEO/Appropriate Board Director.
5.
6.
7.
8.
9.
10.
$www.canarabank.com
80
2a.
a. rS . x 1 M Mx xi M EU lW W i Mmr MUh oiL (uMsm 2 iM clW saL)
.x. mzl
m
m11
Mml xi M lW xqf mD
m
m2
2 m
m3
3 m
m4
4 m
m55 m
m6
6 m
m7
7 m
m8
8 m
m9
9
2a. If answer to S.No.1 against any principle, is No, please explain why: (Tick up to 2 options)
S.No. Questions
P1
P2
P3
P4
P5
P6
P7
P8
P9
3. oAU x x
xoki zMri
3. Governance related to BR
xsl
Annually
81
pa Q.: xi uU lwmSl
xi 1: MUoU
Mr eL ij lri W|
1.
p sa W|
oQ M Alqi x oM l xqW eZq mokl msx olD
W| Cx msx M Aiai Alwar/xr El/AU oM U
mrei r aqh oM p Ai W|
mhs U M ei W|
oM q lrqi lUh (AUoADL) M mhs W| CxM
AiU lS AukMi mU zZA/rlO/Mrsr M
xcl mhs AQO Wi W| qxM AkU mU crli
zZA/Mrsr M xqui sZmU Wi W|
2. uai ur uw q Mil zrUkUM zMri mmi WD W AU
El q x Mil mizi M ximuM mokl U xsfr
82
Customer Complaints: During 2012-13, the Bank received 5075 complaints and 98% of the complaints
were satisfactorily redressed. The Bank is taking several measures to improve customer service by bringing in diversified products/services, updated technology, staff training and responding to customers
queries and redressal of customer complaints.
i.
83
84
AkMU xb
78.85%
Officers Association
78.85%
MqcU rlrl
73.89%
Workmen Union
73.89%
7. Mmr mNs ur uw q os
os q, oaU, AxucNM q,
rl EimQl x xoki zMri M xZr ij ur uw
M xqmi mU soi xZr Mil W|
. x. h
os q, oaU,
AxucNM q
rl EimQl
pSpumh
UeaU
ur uw M
SUl zMri
M xZr
S.No. Category
ur uw M
xqmi mU soi
zMri M
xZr
zlr
zlr
zlr
zlr
zlr
2
3
Child labour/
forced labour/
involuntary
labour
Sexual
harassment
Discriminatory
employment
No. of
complaints
pending as on
end of financial
year
NIL
NIL
NIL
NIL
NIL
70% (32595)
Permanent Employees
70% (32595)
69% (7432)
Permanent Women
Employees
69% (7432)
zlr
Casual/Temporary/
Contractual Employees
Employees with Disabilities
52% (490)
No. of
complaints
filed during
the financial
year
85
NIL
52% (490)
86
rl EimQl M UMjq
oM Mrxjs mU rl EimQl M lwk MUi W| xu zi
q, rl EimQl M UMl M sL mukl W| uzZ u Alr
olq Uexjl xUMU u Alr M qqs q Eiq lrrsr M
LiWxM Txs U eU SzlSz M AlxU rl EimQl
M li sa M ar W| msx M AlxU, qW mokM M UM
us qWs MrmsM M Akri q LM zMri xqi M
aPl Mr ar W exq AkMz xSxr qWsL W W AU LM
xSxr aU xUMU xaPl x W| xqi M UmO M AkU mU
W oM MUuD MUi W| oM xqr xqr mU xu zi, lrq,
qWs MqcUr M sp, qWs MqcUr M AkMU ij rl
EimQl M UMjq M mpu oll M sL mUm eU MUi W|
MqcU zMri luUh li
oM l xu zi x xoki uxiuM urai zMri M SU
MUl M Ezr AU ExM iuUi xqkl M sL MqcU zMri
luUh li olD W| Cx li M iWi zMri M lkUi xqr
M piU lUMUh MU UW W| Acs xiU luUh xqi M lhr
M ZsT Ams M p mukl W.
xcl M AkMU Aklrq
xcl M AkMU Aklrq, 2005, M mUpw M AlxU MlU
oM LM sM mkMUh W, CxsL uW eli M xcl mSl
MUl M Sriu M Akl W|
up Mr M sL PMSU M xu sl:
oM Aml mUxU q xus lqh / ui / UZ-UZu Mr
M sL PMSU M xu si xqr q Mll uzwiU mU
lrliq qeSU M pail ij Alr xoki qlukMU M
msl MUi W|
2) mNs ur uw q Mil WikUM M zMri AD AU
Mil mizi zMri M lmOl mokl M U xiwelM
m x Mr ar?
uw M SUl rl EimQl mU S zMri mmi WD elM
lmOl ol xqr auL Mr ar|
xi 6: MUoU mruUh M xqql, xU AU Ex mlxjmi
MUl M mrx MU|
1.
87
While appraising the credit proposal, 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.
W
4. Yr Mml q xucN uMx i x xoki MD mUrel
W? rS Lx W i 50 zoS q uuUh S| AU, rS W i Yr
MD mruUh Almsl UmO SrU M ar W?
W
oM U up WUi oMa mWs M ar W exq MU
oMa xqkl, COUlO oMa, OsoMa, qoCs oMa,
LOLq, aqh eli M Emra M sL xU Fe xcsi
orqOM LOLq, zZA q D- sEe AU Aml xOT
ij mzxlM M sL D aulx AU Mae UWi oMa
zqs W|
5. Yr Mml l xucN maM, Fe Si, luMUhr Fe,
AS mU MD Alr mWs z M W? W/lW, rS W i
uome M WmUsM S|
88
89
90
oM l MlOM M cU es AU iqslQ M xp es
q LM es MD oM qQs M iWi xUMU sp ex
xqeM xU mzl M CsYOlM sp WxiliUh M
Mrlurl q pa sr W| MlOM M cU es q qlUa
M iWi qeSU M pail M sL Zi M Zsl M Mr
mai mU W| Cx rel x spjr M ElM SUue / au
q xqr mU pail mmi MUl q qSS qs W|
91
92
3. Yr mNs mc
c uw M SUl Alci MUoU uruWU, aU
eqqSUl uml AU / r mixmk uUk uruWU M Mx
p qqs M oU q Mml M ZsT Mx p zrUkUM U
qqs SrU Mr ar W AU e ur uw M xqmi iM
soi W? rS Lx W i 50 zoS q uuUh S|
zlr
4. Yr AmM Mml l Mx p Emp xuh / Emp
xi fl M mi sar W?
oM zZA U mSl M el us aWM xu M ahu
M AMsl MUl M sL AU Aml aWM x xk mir
mmi MUl M sL, LM xu- lWi, xOmr mzlus ElM
mir sl M sL aWM M uiUi MUl sL oM M
zZA M Emsok MUr ar j| xuh M lwMw Cx
mMU W:
1.
2.
3.
93
94
2) lSzM qQs:
oM M lSzM qQs M aPl, oMa Mml (Emq M
AkaWh ij AiUh) Aklrq 1970(rj xzki)
M kU 9(3) Lu UrMi oM (mokl Lu uuk
mukl) rel 1970 (rj xzki) M AlxU Mr
ar W|
2) Board of Directors:
The Board of the Bank has been constituted under
Section 9(3) of the Banking Companies {Acquisition &
Transfer of undertaking} Act 1970 (as amended) and
Nationalized Bank (Management & Miscellaneous
Provision) Scheme 1970 (as amended).
95
3) sZmU xqi:
oQ M sZmU xqi (L x o) M aPl
Lu Mrxcsl, pUir Ueu oM M lSz U
mzxi W|
i)
ii)
3) Audit Committee:
The Audit Committee of the Board (ACB) has been
constituted by the bank as per guidelines of Reserve
Bank of India and Listing Agreement with Stock
Exchanges.
i)
ii)
96
4) mUqM
mUqM xqi:
pUi xUMU M m LT x. 20/1/2005-oA.AD, SlM
09.03.2007 M xSp q pUi xUMU M SzlSz
M AlxU mhMsM lSzM M MrlwmSl M
qsrMl MUl M mrelj oM M lSzM qQs l
mUqM xqi aPi M W| ijm, uw M SUl Mx
p mhMsM lSzM M MrlwmSl xo mixWl
mSl lW Mr ar W| mUqM xqi M xSxr M
xqqh AU oPM q Emxji M uuUh Alok "M"
ij"Z" q Sr ar W |
4) Remuneration Committee:
In terms of GOI Letter F.No 20/1/2005-BO.I
Dt. 09.03.2007 Board of Directors of the Bank
had constituted a Remuneration Committee to
evaluate the performance of whole time directors
as per GOI guidelines. However during the year
there is no performance linked incentives paid to
any of the whole time director. The composition
of members of Remuneration Committee and the
details of attendance at the meetings are given in
Appendix A & B.
5) Remuneration to Directors.
lq u mSlq
Uz ((`)
Ueu MzU So
Akr u mok lSzM
Shri R K Dubey
3,73,921.41
qi Acl Lx pau
MrmsM lSzM
Executive Director
14,63,308.72
Executive Director
Lx Uql
14,70,997.90
Shri S Raman
3,73,921.41
Amount (`)
14,40,437.00
(upto 30.09.2012)
97
Complaints Received
1616
zlr
Nil
soi zMri
zlr
Pending complaints
Nil
98
xqr
xjl
Time
Venue
19.07.2010
10 mu
leri BQOUrq,
xOs Mse,
msx UQ, oasU- 560 001
19.07.2010
10 am
Jnanajyothi Auditorium,
Central College, Palace Road,
Bangalore 560 001
18.07.2011
18.07.2011
4 pm
28.06.2012
leri BQOUrq,
04 AmU xOs Mse,
msx UQ, oasU- 560 001
4 pm
Jnanajyothi Auditorium,
Central College, Palace Road,
Bangalore 560 001
28.06.2012
99
8) mMOl:
8) Disclosures:
aU-AkSziqM
Am
Sl.
No.
Mrlurl M xji
Non Mandatory
Requirement
Status of
Implementation
1.
oQ
aU MrmsM
Akr, Akr M
Mrsr M xpsl
Wi AW Wa |
oM q mhMsM Akr
u mok lSzM W | sMl
SlM 01.10.2012 x
10.01.2013 iM M Auk
M SUl oM q Akr u
mok lSzM lW j |
oQ M aPl oMa Mml
(Emq M AkaWh ij
AiUh) Aklrq 1970 M
kU 9(3) M AlxU Mr
ar W | Ai: rW ZQ oM
M sL sa lW W|
1.
The Board
A non-executive
Chairman may
be entitled to
maintain a
Chairmans office.
2.
mUqM xqi
2.
Remuneration
Committee
Remuneration committee
has been constituted as
per the guidelines of GOI,
as detailed elsewhere in
the Annual Report.
100
3.
zrU kUM M
AkMU
oM l uw M SUl
ML aL EssZlr
uMx x xoki
xU xm xWi
uwM ur mUhq
xU zrUkUM M
pe W |
3.
Shareholder
Rights
4.
sZ mU rarir
xukM sZmUM U
SlM 31.03.2012 M
xqmi uw M sL ElM
sZmU UmO q MD
rariL eU lW M W |
4.
Audit
qualifications
Statutory Auditors
have not issued any
qualifications in their
audit report for the year
ended 31.03.2012
5.
oQ M xSxr M
mzh
mii Lexr U
xcsi mzh Mrq
q milr MUl M eUL
oQ M xSxr M mzh
Ssr ei W | mirM
xSxr M ElM eqqSUr
AU AcU xWi xok
xUMU SzlSz M xjxj MUoU xok lql M
xqmh xq p mSl M
ei W |
5.
Training of Board
Members
6.
oQ M aUMrmsM xSxr
M qsrMl mi
lSzM qQs M
6.
Mechanism for
evaluating nonexecutive Board
Members
Composition of Board of
Directors is regulated by
the Banking Companies
(Acquisition and
Transfer of Undertaking)
Act, 1970 and the
Nationalised Banks
(Management and
Miscellaneous Provisions)
Scheme, 1970. Hence this
clause is not applicable
for us.
7.
Whistle Blower
Policy
7.
uWxs osAU
li
uWxs osAU li M
Mrlurl oM q pUi
xUMU M SzlSz M
AlxU Mr ar W AU
xcl Sl us M Eci
xU mSl M ei W|
101
9) xmwh M qkrq.:
9) Means of communication:
mUhq M mMzl:
xqmi
iqW
mMzl M
iUZ
xqcU m
Sz pwL
Ur
Quarter
Ended
Date of
Publication
Newspaper
Vernacular
National
31.03.2012 11.05.2012
ESruh
oelx xOhQQ
31.03.2012 11.05.2012
Udayavani
30.06.2012 25.07.2012
ESruh
oelx
xOhQQ,
TClzrs
LYxmx, S
oelx sCl,
CMhqM
OCqx u sMqi
(WlS)
30.06.2012 25.07.2012
Udayavani Business
Standard,
Financial
Express,
The Business
Line, Economic
Times and
Lokmat (Hindi)
30.09.2012 07.11.2012
uer
MlOM
TClzrs
LYxmx, oelx
xOhQQ
30.09.2012 07.11.2012
Vijay
Karnataka
31.12.2012 09.02.2013
ESruh
oelx
xOhQQ,
oelx sCl,
TClzrs
LYxmx,
CMhqM
OCqx,
S WlS,
WlSxjl
OCqx u qlO
31.12.2012 09.02.2013
Udayavani Business
Standard,
Business Line,
Financial
Express,
Economic
Times,
The Hindu,
Hindusthan
Times and Mint
102
Business
Standard
Financial
Express and
Business
Standard
ur MshQU
ur uw
Financial Calendar
2012-2013
Financial year
2012-2013
oW oS Wl M iUZ
06.07.2013 -
06.07.2013 -
(Sl Sl xWi)
22.07.2013
22.07.2013
17.07.2013
17.07.2013
22.07.2013
22.07.2013
22.07.2013
22.07.2013
29.07.2013
dividend warrants
29.07.2013
532483
532483
CANBK
CANBK
103
Annual Listing fee to stock exchanges for the year 201213 have been paid within the prescribed due date.
uw
lrliq
(`)
zrU M
q
(`)
lrliq
(`)
(`)
zrU M
q
Ams
2012
489
420
7,39,587
489
419
96,77,450
qD
2012
442
356
13,93,819
443
366
1,52,65,584
el
2012
436
383
7,90,627
438
385
1,09,40,853
esD
2012
439
344
15,76,417
439
344
2,03,13,299
Aaxi
2012
370
306
11,44,755
371
306
1,37,51,288
xioU
2012
455
310
21,81,024
456
310
2,45,50,676
AoU
2012
454
350
11,99,187
454
390
1,45,75,447
luoU
2012
468
400
19,02,375
468
400
1,74,83,673
SxoU
2012
500
376
15,80,892
500
452
1,85,77,634
eluU
2013
550
465
22,30,752
533
462
2,03,56,826
TUuU
2013
490
408
15,99,643
486
408
1,56,16,122
qc
2013
444
356
13,14,019
442
356
1,45,89,898
Year
High
(`)
Low
(`)
Volume
No.
High
(`)
Low
(`)
Volume
No.
April
2012
489
420
7,39,587
489
419
96,77,450
May
2012
442
356
13,93,819
443
366
1,52,65,584
June
2012
436
383
7,90,627
438
385
1,09,40,853
July
2012
439
344
15,76,417
439
344
2,03,13,299
August
2012
370
306
11,44,755
371
306
1,37,51,288
September
2012
455
310
21,81,024
456
310
2,45,50,676
October
2012
454
350
11,99,187
454
390
1,45,75,447
November
2012
468
400
19,02,375
468
400
1,74,83,673
December
2012
500
376
15,80,892
500
452
1,85,77,634
January
2013
550
465
22,30,752
533
462
2,03,56,826
February
2013
490
408
15,99,643
486
408
1,56,16,122
March
2013
444
356
13,14,019
442
356
1,45,89,898
104
Alr mMOl:
l:
xo l Aml mUm xADAU/xLTQ/QADLs/10/2010
SlM 16.12.2010 U DYuO sxOa MUU M ZhQ 5L
q xzkl Mr | xzkl M AlxU, xuelM r Mx
Alr Czr M mUhqxum piM m q eU Mr ar
zrU, e ASu UW ei W, M sL eUMi Mml U
Exq lkUi mr Amll W |
Other Disclosures:
The SEBI, vide its Circular CIR/CFD/DIL/10/2010, dated
16.12.2010, made amendments to Clause 5A of the
Equity Listing Agreement. As per the amendment, for
shares issued in physical form pursuant to a public issue
or any other issue, which remain unclaimed, the issuer
company has to follow the procedure prescribed therein
Clause 5 A - The Bank had gone for IPO during 200203 and issued 41 Crore Equity Shares of face value of
`10/- to the investors both under Physical mode and
Demat mode.
uuUh
Particulars
uw M zAi q
zrU
mqhm M
xZr
zrU
M
xZr
4(ASu)
2200
1200
mWcl ML aL / Q AU O qqs
500
mWcl ML aL / mwi lW ML aL
500
Transferred to Unclaimed
Suspense Account (as stated
above)
Identified / DRT Case
Identified / not dispatched
105
No. of Share
Certificates
4
(Unclaimed)
2
1
1
No. of
Shares
2200
1200
500
500
106
Distribution of Shareholding
Category wise (31.03.2013)
# zrU M
xZr
pUi xUMU
300000000
67.72
oM u ur xxjL
37148110
8.39
qrcrAs TQ
22009299
4.97
MmUO lMr
8330143
1.88
Ll AU AD / A x o
362557
0.08
lux ur / Aup
WlS mUuU / lrx
AS
uSz xxjai
luzM
Ms
21202966
zrU kUh
M %
Sl Category
No.
4.78
53946925
12.18
443000000
100
Government of India
# No. of
shares
300000000
67.72
37148110
8.39
Mutual Funds
22009299
4.97
Bodies Corporate
8330143
1.88
NRIs/OCBs
362557
0.08
Resident Individuals/
HUF /Trust etc.
21202966
4.78
Foreign Institutional
investors
53946925
12.18
TOTAL
443000000
100
107
% of
shareholding
zrUkUM M
xZr
zrU M xZr
109495
93.45
13289046
3.00
5001 x 10000
5867
5.01
4882601
1.10
10001 x 20000
861
0.74
1284718
0.29
20001 x 30000
189
0.16
485746
0.11
30001 x 40000
85
0.07
298935
0.07
40001 x 50000
99
0.08
433007
0.10
50001 x 100000
142
0.12
1059168
0.24
100001 u Exx
AkM
433
0.37
421266779
95.09
117171
100
443000000
100
Ms
No. of
Shareholders
No. of Shares
109495
93.45
13289046
3.00
5001 to 10000
5867
5.01
4882601
1.10
10001 to 20000
861
0.74
1284718
0.29
20001 to 30000
189
0.16
485746
0.11
30001 to 40000
85
0.07
298935
0.07
40001 to 50000
99
0.08
433007
0.10
50001 to 100000
142
0.12
1059168
0.24
433
0.37
421266779
95.09
117171
100
443000000
100
TOTAL
108
zrU M
M upiMMUh AU lMS:
zrUkUM
M xZr
piM
29467 25.15
CsYOlM-LlLxQLs
CsYOlM-xQLxLs
Ms
zrU M
xZr
Number of
Shareholders
Number of
Shares
Physical
29467 25.15
Electronic-NSDL
Electronic-CDSL
117171
6855406
100 443000000
1.55
100
TOTAL
117171
6855406
100 443000000
1.55
100
mcU M mi
MlU oM
xcur mpa
Akr u mok lSzM M xcusr
mkl Mrsr, 112, e x UQ
oasU- 560 002
D-qs mi: hosecretarial@canarabank.com
CANARA BANK
SECRETARIAL DEPARTMENT
C & MDS SECRETARIAT
HEAD OFFICE, 112 J C ROAD
BANGALORE - 560 002
EMAIL ID: hosecretarial@canarabank.com
109
mUz M
i.
lq
mMU
MrMs
Alr oQ q xSxri
A u m l
11.01.2013-30.09.2014
1.
Ueu MzU So
2.
qi Acl Lx pau
M l
01.04.2011-28.02.2015*
3.
M l
28.07.2011-31.10.2014
4.
qi xk Mwhl
p x
16.11.2012 M lqi
5.
qi ql WqcS
p U o
13.10.2011 M lqi
zlr
6.
e u xozu Uu
Mq l
21.10.2011-20.10.2014
zlr
7.
e u qhqUl
A l
14.12.2010-13.12.2013
zlr
8.
aU M l
22.06.2010-21.06.2013
9.
xil xlW
aU M l
17.10.2011-16.10.2014
zlr
10.
m u qrr
z l
27.07.2010-26.07.2013
11.
xls ami
z l
27.07.2010-26.07.2013
TYPE
TERM OF OFFICE
MEMBERSHIP OF
OTHER BOARDS
C&MD
11.01.2013-30.09.2014
*22.04.2013 iM
Appendix A
i.
NAME
1.
SHRI R K DUBEY
2.
ED
01.04.2011-28.02.2015*
3.
ED
28.07.2011-31.10.2014
4.
GOI
Nominated on 16.11.2012
5.
RBI
Nominated on 13.10.2011
Nil
6.
WD
21.10.2011-20.10.2014
Nil
7.
SHRI G V MANIMARAN
OD
14.12.2010-13.12.2013
Nil
8.
NED
22.06.2010-21.06.2013
9.
NED
17.10.2011-16.10.2014
Nil
10.
SHRI P V MAIYA
SD
27.07.2010-26.07.2013
11.
SD
27.07.2010-26.07.2013
*till 22.04.2013
110
1.
Lx Uql
A. u m.l.
01.09.2010-30.09.2012
s.l.
2.
Q jqx qjr
p x
29.10.2010-15.11.2012
s.l.
1.
SHRI S RAMAN
C&MD
01.09.2010-30.09.2012
N.A.
2.
GOI
29.10.2010-15.11.2012
N.A.
xMi / KEY
A u m l / C&MD
M l / ED
p x / GOI
p U o / RBI
A l / OD
aU Ml / NED
z l / SD
Mq. l / WD
s l / NA
sa lW / Not Applicable
111
xqi / COMMITTEE
Akr/ CHAIRMAN
xSxr / MEMBERS
mokl xqi
Ueu MzU So
Management
Shri R K Dubey
Committee
Ueu MzU So
Risk Management
Shri R K Dubey
Committee
ZsS sMql
Audit Committee
osaq
Shri Khalid
Luqman Bilgrami
zrUkUM / luzM
m u qrr
M zMri xqi
Shri P V Maiya
Shareholders/Investors
Grievances Committee
mUqM xqi
qi xk Mwhl
Remuneration
Smt Sudha
Committee
Krishnan
112
mUz Z
lq
oQ oPM
mokl
xqi
oPM
sZ
mU
oPM
Emxji/
Arei
Emxji/
Arei
Emxji/
Arei
Emxji/
Arei
Emxji/
Arei
1. Ueu MzU So
3/3
5/5
--
--
--
--
zlr
2. qi Acl Lx pau*
9/13
11/17
7/11
2/3
2/5
130
13/13
17/17
11/11
5/5
zlr
4/5
--
0/3
--
--
zlr
4. qi xk Mwhl
Lx.AD.e
eZq
mNs
kUi
x.
mokl xqi uwM zrU M
oPM
oPM
Aq oPM xZr
3/3
--
5. qi ql WqcS
11/13
11/17
9/11
--
--
zlr
6. e u xozu Uu
12/13
6/7
--
1/2
3/3
zlr
7. e u qhqUl
13/13
10/10
--
1/1
2/2
50
9/13
12/17
10/11
--
2/2
200
9. xil xlW
12/13
13/14
5/5
--
1/1
zlr
10. m u qrr
11/13
4/6
--
1/1
2/4
200
12/13
11/12
9/9
2/2
2/3
500
*22.04.2013 iM
uw 2012-2013 M SUl MrMs xqmi lSzM M Emxji M orU
1. Lx Uql
7/7
7/7
--
--
3/3
zlr
2. Q jqx qjr
0/8
--
0/8
--
--
zlr
28.06.12
25.08.12
23.03.13
25.04.12
28.06.12
24.09.12
19.11.12
23.03.13
28.06.12
up oPM M iUZ
25.04.12
10.05.12
23.05.12
20.06.12
24.07.12
10.09.12
29.09.12
06.11.12
03.12.12
01.02.13
08.02.13
27.02.13
23.03.13
25.04.12
23.05.12
20.06.12
23.07.12
24.08.12
24.09.12
29.09.12
25.10.12
06.11.12
04.12.12
17.12.12
28.12.12
16.01.13
15.02.13
27.02.13
15.03.13
23.03.13
03.04.12
09.05.12
23.05.12
31.05.12
23.07.12
24.08.12
24.09.12
05.11.12
16.01.13
31.01.13
07.02.13
113
Appendix B
DETAILS OF ATTENDANCE OF DIRECTORS
SL. NAME
NO.
BOARD
MEETING
1. SHRI R K DUBEY
2. SMT ARCHANA S
BHARGAVA*
3. SHRI ASHOK KUMAR GUPTA
4. SMT SUDHA KRISHNAN
5. SMT MEENA HEMCHANDRA
6. SHRI G V SAMBASIVA RAO
7. SHRI G V MANIMARAN
8. SHRI KHALID LUQMAN
BILGRAMI
9. SHRI SUTANU SINHA
10. SHRI P V MAIYA
11. SHRI SUNIL GUPTA
Attended/
Held
3/3
9/13
MANAGEAUDIT
SIGC
RISK MANLAST
NO. OF
MENT
COMMITTEE MEETING AGEMENT
ANNUAL SHARES
COMMITTEE
MEETING
COMMITTEE GENERAL HELD
MEETING
MEETING
MEETING
Attended /
Attended / Attended / Attended /
Held
Held
Held
Held
5/5
----Nil
11/17
7/11
2/3
2/5
130
Nil
Nil
Nil
Nil
50
200
13/13
4/5
11/13
12/13
13/13
9/13
17/17
-11/17
6/7
10/10
12/17
11/11
0/3
9/11
--10/11
3/3
--1/2
1/1
--
5/5
--3/3
2/2
2/2
12/13
11/13
12/13
13/14
4/6
11/12
5/5
-9/9
-1/1
2/2
1/1
2/4
2/3
Nil
200
500
-X
X
*till 22.04.2013
DETAILS OF ATTENDANCE OF DIRECTORS WHOSE TERM HAS ENDED DURING 2012-2013
1. SHRI S RAMAN
7/7
7/7
--
--
3/3
Nil
2. DR THOMAS MATHEW
0/8
--
0/8
--
--
Nil
28.06.12
25.08.12
23.03.13
25.04.12
28.06.12
24.09.12
19.11.12
23.03.13
28.06.12
25.04.12
23.05.12
20.06.12
23.07.12
24.08.12
24.09.12
29.09.12
25.10.12
06.11.12
04.12.12
17.12.12
28.12.12
16.01.13
15.02.13
27.02.13
15.03.13
23.03.13
03.04.12
09.05.12
23.05.12
31.05.12
23.07.12
24.08.12
24.09.12
05.11.12
16.01.13
31.01.13
07.02.13
114
mUz a
uw 2012-13 M sL lSzM M mS Emxji zsM
x
mS Emxji zsM
lSzM M lq
(`)
e u xozu Uu
2,15,000
e u qhqUl
2,25,000
2,15,000
xil xlW
2,80,000
m u qrr
1,65,000
xls ami
2,60,000
Appendix C
SITTING FEES PAID TO DIRECTORS FOR THE YEAR 2012-13
Sl. No.
2,15,000
2,25,000
2,15,000
2,80,000
Shri P. V. Maiya
1,65,000
2,60,000
115
xjl : oasU
SlM : 07 qD, 2013
116
DECLARATION BY C & MD
The Board of Directors and the Senior Management Personnel of the Bank
have affirmed confirming to the Code of Conduct of the Bank for the year
ended 31.03.2013.
Place : Bangalore
Date : 7th May, 2013
117
xu q,
To,
MlU oM M xSxr
Mi Lx m cmQ LQ Mml
xlS sZMU
oasU
01.05.2013
xeu ami
xfSU
Lq. l. 83364
LT AU Ll l. 00365Ll
Bangalore
Date: 01.05.2013
118
Sanjiv Gupta
Partner
M.No.83364
FRN No.00365N
MlU oM M isl m, sp u Wl sZ
ij lMS muW uuUh
2012-2013
119
120
xu q,
pUi M Umi
To
The President of India
ur uuUh mU UmO
1. Wql rj 31 qc 2013 M MlU oM M xsal u
uuUh M sZ mU M W elq rj 31 qc
2013 M isl m, io xqmi uw M sp-Wl sZ
AU lMS muW uuUh, qWiumh sZMl lir
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uuUh q WqU U sZ mUi 20 zZA M,
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WqU U AU Alr sZ mUM U sZ mUi
zZr pUir Ueu oM U lai qalSz M
qioM oM U crli M aD W | Cxq sZ mU
lW M aD 1698 zZA M uuUhr p zqs
M W | sZmU lW M aD zZr 5.85% Aaq,
18.40% eq, 4.65% ore Ar AU 15.87% ore
aPi MUi W |
ur uuUh M sL mokl i M EUSriu:
2. oMa ulrq Aklrq, 1949 M AlxU Cl ur
uuUh M irU MUl M sL mokl i EUSD
W | Cx EUSriu q kZkQ M MUh W r O M
MUh, uximUM AmMjl x q ur uuUh M
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MUi W M Wq liM AmA M Almsl MUi WL,
relo iUM x sZ mU Arei MU iM u
uuUh M mUmr q xai Axl mmi W xM M
u uximUM AmMjl q W |
121
(ii) the Profit & Loss Account read with the notes
thereon shows a true balance of profit, in
conformity with the accounting principles
generally accepted in India, for the year covered
by the account; and
(iii) the Cash Flow Statement gives a true and fair view
of the cash flows for the year ended on that date.
122
Mi Lc M ckU LhQ M
xlS sZMU
T m x. 006154Ll
Q Ll pau
xfSU
x x. 010005
L amsMwhl
xfSU
x x. 018159
D N Bhargava
Partner
Membership No. 010005
A Gopalakrishnan
Partner
Membership No. 018159
Mi Lx m cmQ LhQ M
xlS sZMU
T m x. 000346Ll
Mi sMU LhQ M
xlS sZMU
T m x. 000172Qosr
xeu ami
xfSU
x x. 083364
Lx x sMU
xfSU
x x. 010135
Sanjiv Gupta
Partner
Membership No. 083364
S C Loonker
Partner
Membership No.010135
Mi m cmQ LhQ M
xlS sZMU
T m x. 004957Ll
Mi L AU Sx LhQ LxxLOx
xlS sZMU
T m x. 306109D
oasU
02 qD, 2013
Bangalore
May 02, 2013
123
Alxc
rj 31.03.2013
As at 31.03.2013
(` 000)
rj 31.03.2012
As at 31.03.2012
(` 000)
1
2
3
4
5
443 00 00
24434 78 89
355855 99 13
20283 37 38
11325 45 46
443 00 00
22246 95 56
327053 72 71
15525 39 16
8891 11 84
412342 60 86
374160 19 27
15405 93 03
17795 13 57
7
8
9
10
11
19308 77 23
121132 83 03
242176 62 46
2862 71 84
11455 73 27
10384 26 51
102057 42 82
232489 81 85
2857 53 68
8576 00 84
412342 60 86
374160 19 27
249707 54 69
13997 78 94
192871 24 75
12496 51 17
oM q zw AU qa ij Asm xcl mU kl
eQ / TOTAL
AMxqM SriL / CONTINGENT LIABILITIES
uxs M sL os / BILLS FOR COLLECTION
sZMl lir / ACCOUNTING POLICIES
sZ xok Ommhr / NOTES ON ACCOUNTS
12
17
18
u xMqU
qQs mokM
Ll xuzMUl
Em qW mokM
M qhq
qW mokM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
xk Mwhl
lSzM
ql WqcS
lSzM
e u qhqUl
lSzM
e u xozu Uu
lSzM
xil xlW
lSzM
xls ami
lSzM
Mi
uMOcsq ArrU LhQ M
xlS sZMU
Mi
Lx m c
cmQ LhQ M
xlS sZMU
Mi
sMU LhQ M
xlS sZMU
Mi
m cmQ LhQ M
xlS sZMU
Mi
L AU Sx LhQ LxxLOx
xlS sZMU
Q Ll pau
xfSU
L amsMwhl
xfSU
xeu ami
xfSU
Lx x sMU
xfSU
oasU
02 qD, 2013
124
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2013
Alxc
Schedule
I.
Ar / I. INCOME
Aei ore / INTEREST EARNED
Alr Ar / OTHER INCOME
eQ / TOTAL
rj 31.03.2012
M xqmi uw
13
14
34077 93 50
3153 00 78
37230 94 28
30850 62 15
2927 59 65
33778 21 80
15
16
26198 94 33
5141 98 99
23161 31 16
4673 74 34
3017 90 67
34358 83 99
2872 10 29
2660 45 00
30495 50 50
3282 71 30
720 00 00
43 06 84
205 00 00
530 03 45
700 00 00
576 00 00
98 00 00
2872 10 29
825 00 00
5 15 00
-1185 26 30
700 00 00
487 30 00
80 00 00
3282 71 30
64.83
74.10
rj 31.03.2013
M xqmi uw
17
18
V SUKUMAR
DIVISIONAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
K MANICKAM
GENERAL MANAGER
V S KRISHNAKUMAR
EXECUTIVE DIRECTOR
R K DUBEY
CHAIRMAN & MANAGING
DIRECTOR
SUDHA KRISHNAN
DIRECTOR
MEENA HEMCHANDRA
DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUTANU SINHA
DIRECTOR
SUNIL GUPTA
DIRECTOR
A GOPALAKRISHNAN
Partner
SANJIV GUPTA
Partner
BANGALORE
MAY 02,2013
125
S C LOONKER
Partner
For
P CHOPRA & Co.
Chartered Accountants
For
A R DAS & ASSOCIATES
Chartered Accountants
I.
bOr: sp u Wl Zi M AiUi
LESS : TRANSFERRED TO PROFIT AND LOSS ACCOUNT
eQ / TOTAL
Z. uSz qS mUuil AUi lkr / b. FOREIGN CURRENCY
TRANSLATION RESERVE
Ajzw / OPENING BALANCE
eQ: uw M SUl mUukl / ADDITIONS DURING THE YEAR
bOr: uw M SUl MOir / LESS: DEDUCTIONS DURING THE YEAR
eQ / TOTAL
a. Alr / c. OTHERS
Ajzw / OPENING BALANCE
eQ: uw M SUl mUukl / ADDITIONS DURING THE YEAR
eQ / TOTAL
126
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
3000 00 00
3000 00 00
300 00 00
300 00 00
143 00 00
443 00 00
143 00 00
443 00 00
5933 00 00
720 00 00
6653 00 00
5108 00 00
825 00 00
5933 00 00
2065 13 95
-2065 13 95
2098 35 79
-2098 35 79
31 89 92
2033 24 03
33 21 84
2065 13 95
77 66 88
21 62 96
-99 29 84
16 93 90
60 72 98
-77 66 88
1225 70 23
43 06 84
1268 77 07
1220 55 23
5 15 00
1225 70 23
As at 31.03.2012
(` 000)
2235 20 00
2235 20 00
--
--
2235 20 00
2235 20 00
7910 24 50
6724 98 20
530 03 45
1185 26 30
8440 27 95
7910 24 50
--
--
8440 27 95
7910 24 50
2800 00 00
2100 00 00
700 00 00
700 00 00
3500 00 00
2800 00 00
--
92 78 76
205 00 00
--
205 00 00
92 78 76
--
92 78 76
eQ / TOTAL
205 00 00
--
eQ / TOTAL
24434 78 89
22246 95 56
127
As at 31.03.2012
(` 000)
i. oM x / FROM BANKS
ii. Alr x / FROM OTHERS
eQ / Total
235 93 87
14657 21 00
14893 14 87
146 41 65
14672 09 69
14818 51 34
II.
71168 18 72
71168 18 72
64792 21 94
64792 21 94
III.
12104 88 42
257689 77 12
269794 65 54
355855 99 13
9763 93 30
237679 06 13
247442 99 43
327053 72 71
342106 93 24
13749 05 89
355855 99 13
316092 56 48
10961 16 23
327053 72 71
--3526 13 29
-127 18 75
820 76 25
7353 55 00
10879 68 29
7693 55 00
8641 50 00
8046 53 27
5610 32 22
1357 15 82
9403 69 09
20283 37 38
1273 56 94
6883 89 16
15525 39 16
B.
128
As at 31.03.2012
(` 000)
1057 20 00
42 85 26
1152 83 78
326 97 00
8745 59 42
1105 20 44
55 42 41
764 41 10
263 14 00
6702 93 89
11325 45 46
8891 11 84
1128 79 19
1003 20 91
14277 13 84
14277 13 84
15405 93 03
16791 92 66
16791 92 66
17795 13 57
1592 43 73
-1592 43 73
1183 23 19
-1183 23 19
860 00 00
4307 62 91
5167 62 91
6760 06 64
-550 00 00
550 00 00
1733 23 19
4467 17 58
7288 96 91
792 56 10
12548 70 59
19308 77 23
2853 55 05
5797 48 27
-8651 03 32
10384 26 51
Alxc 7- oM q zw ij qa AU Asmxcl mU kl /
SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
I. pUi q / I. IN INDIA
II.
129
120666 58 84
102012 58 26
121 92 61
120544 66 23
481 32 98
101531 25 28
GOVERNMENT SECURITIES
101991 77 45
88763 90 46
1 49 87
9 68 18
1557 76 73
1172 43 95
3375 58 34
2605 48 26
672 97 36
581 30 11
12945 06 48
120544 66 23
8398 44 32
101531 25 28
II.
xUMU mipir /
zrU /
SHARES
QocU AU ohQ /
Alwar AU/r xr Eq /
Alr /
OTHERS
eQ / Total
72699 14 65
47104 81 48
740 70 10
120544 66 23
rj 31.03.2012
As at 31.03.2012
(` 000)
Alwar AU/ r xr Eq /
70611 90 90
29771 41 45
1147 92 93
101531 25 28
683 95 49
674 75 01
95 78 69
148 57 47
588 16 80
526 17 54
--
--
36 57 20
551 59 60
588 16 80
36 57 20
489 60 34
526 17 54
75 37 36
512 79 44
-588 16 80
72 98 38
453 19 16
-526 17 54
121132 83 03
130
102057 42 82
As at 31.03.2012
(` 000)
7054 16 53
7097 24 18
105478 48 48
107788 44 62
129643 97 45
117604 13 05
eQ / Total
242176 62 46
232489 81 85
191224 74 05
168722 38 35
8793 07 00
6746 26 29
42158 81 41
57021 17 21
242176 62 46
232489 81 85
82048 77 57
69270 88 78
29096 02 86
34567 59 11
14 75 78
43 08 27
115980 50 16
117614 77 02
eQ / Total
227140 06 37
221496 33 18
--
--
271 40 13
239 20 71
5087 97 80
4339 39 88
a. Alr / c . OTHERS
9677 18 16
6414 88 08
15036 56 09
10993 48 67
242176 62 46
232489 81 85
eQ / Total
a. I.
II.
eQ / Total
eQ (I AU II) / Total (I and II)
131
As at 31.03.2013
(` 000)
rj 31.03.2012 M
As at 31.03.2012
(` 000)
2901 28 96
2881 66 20
17 83 43
2919 12 39
19 64 04
2901 30 24
-2919 12 39
10 68
2919 01 71
481 72 74
-2901 30 24
1 28
2901 28 96
441 20 48
2437 28 97
II.
2460 08 48
uw M SUl mUukl /
1875 94 35
1723 34 27
211 47 97
2087 42 32
91 05 55
1996 36 77
1573 12 90
184 84 86
1908 19 13
32 24 78
1875 94 35
1480 68 15
423 23 87
III.
395 26 20
81 14 04
81 14 04
-81 14 04
-81 14 04
74 28 49
6 85 55
-81 14 04
-81 14 04
73 11 87
8 02 17
4 66 55
5 83 17
2 19 00
2862 71 84
132
2 19 00
2857 53 68
rj 31.03.2012 M
3341 94 25
2911 45 98
2424 26 89
1749 53 81
6 63 80
8 14 56
33 09
33 09
5682 55 24
3906 53 40
11455 73 27
8576 00 84
4737 86 41
4625 69 67
--
--
196249 12 20
138706 01 42
As at 31.03.2013
(` 000)
III.
IV.
Alr / V. OTHERS
eQ / TOTAL
Alxc 12- AMxqM SriL /
V.
As at 31.03.2012
(` 000)
oM M u Su elW Gh M m q xuMU lW
Mr ar W / CLAIMS AGAINST THE BANK NOT
ACKNOWLEDGED AS DEBTS
II.
IV.
xbOM M AU x S aD aUOr
M. pUi q / a. IN INDIA
Z. pUi x oWU / b. OUTSIDE INDIA
V.
23457 79 30
23301 22 02
39 40 68
33 18 85
23334 40 87
24657 21 61
23636 40 07
VI.
23497 19 98
Z. Alr / b. OTHERS
eQ / TOTAL
133
--
--
566 14 49
2568 72 72
566 14 49
2568 72 72
249707 54 69
192871 24 75
rj 31.03.2012 M
As at 31.03.2013
(` 000)
II.
III.
IV.
II.
III.
sp / PROFIT
bOL : Wl / LESS : LOSS
luz M mlqsrMl mU sp / III. PROFIT ON
As at 31.03.2012
(` 000)
24379 90 78
23443 42 01
9112 42 43
7044 73 08
585 22 53
362 21 48
37 76
25 58
34077 93 50
30850 62 15
798 14 42
796 93 32
INVESTMENTS
682 44 38
6 70 05
REVALUATION OF INVESTMENTS
675 74 33
--
457 22 54
15 05 85
133 56 76
323 65 78
--15 05 85
22 15 50
-22 15 50
V.
sp / PROFIT
bOL : Wl / LESS : LOSS
ulqr sl-Sl mU sp /
2 41 50
1 49 44
2 12 75
92 06
1 12 86
99 89
VI.
sp / PROFIT
bOL : Wl / LESS : LOSS
uSz/ pUi q xjmi Alwar/MmlrAU r
xr Eq x spz AS U Aei Ar /
483 05 11
18 61 94
134
445 51 41
464 43 17
10 55 97
434 95 44
56 57 29
111 68 23
1172 25 36
1281 52 49
3153 00 78
2927 59 65
rj 31.03.2013 M rj 31.03.2012 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
25250 27 02
21962 18 10
163 25 71
430 02 37
Alr / OTHERS
785 41 60
769 10 69
26198 94 33
23161 31 16
3253 56 36
2973 08 52
II.
466 12 18
397 30 85
III.
30 60 09
30 36 03
IV.
33 71 35
26 66 99
V.
189 68 53
156 88 72
96 36
1 15 37
32 69 27
34 31 60
VIII.
23 95 32
27 44 23
IX.
38 02 13
37 09 93
II.
III.
eQ / TOTAL
Alxc 16- mUcsl urr
SCHEDULE 16 - OPERATING EXPENSES
I.
VI.
VII.
152 31 69
149 76 42
XI.
oq / XI. INSURANCE
276 63 68
285 63 88
XII.
643 72 03
554 01 80
5141 98 99
4673 74 34
eQ / TOTAL
135
Alxc- 17
SCHEDULE 17
(1)(M) sZMl
l M mUmU:
LiWxM sai mUmU M Aiai sZA M irU
Mr ar W ij r Alrj xci M NQMU xukM
mukl u uql mhsr M Alm W|
Z. Alql M Emra:
xqMi ur uuUh M irU M sL mokl i M
Axir, SriA, urr, Ar ij AMxqM SriA
M mMOl M mpui MUlus Uz M xok q ur
uuUh M iUZ M Alql ij kUhA M oll
M AuzrMi W | mokl M qll W M r Alql u
kUhL Eci u uuMmh W | ijm, uxiuM mUhq
Alql x Asa W xMi W | sZMl Alql q
Mx xzkl M uiql ij puwr q qlri Sr
eLa |
(2)
2.1
2.2
[2]
2.1.
2.2.
136
2.3
urS ulqr
ulqr xuSL:
xp urS ulqr xuSA M mUp q Eim Wlus
mqrq r QxMEO M urr r xuS mU Wlus
Ar M m q mUzki Mr ar W | urS ulqr
xuSA M AmUzki mqrq r pll xWi
AxqrM xqmi mU Wlus sp / Wl, rS W
i, xqmi iUZ mU qlri S aD | oMr urS
ulqr xuSA, aUOr, xuMir, mMl ij
Alr okriA M xok q AMxqM SriA M
mUMsl Aiq TQD SU M AlxU Mr ar W|
[3]
luz
3.1
2.3
[3]
Investments
3.1.
M)
a)
HELD TO MATURITY
Investments under Held to Maturity category are
carried at acquisition cost, net of amortisation, if
any. The excess of acquisition cost, if any, over the
face value is amortized over the remaining period
of maturity.
137
Cx h q luz M ur mU sp M mWs sp u
Wl Zi q sr ar W AU ExM oS me mUi
sZ lus MU AU xukM mUi q ulrei
Mr ar W| uw M SUl oc aD mipir M sL
MD mUzkl lW Mr ar| ur q Wl M sp u
Wl Zi q qlri S aD|
Z)
o M sL Emsok
Cx xua M iWi mirM mipi oeU M sL
AMi W |
138
a)
urmU Wi kUi
mirM mipi M qsrMl pUir Ueu oM M
SzlSz M AlxU AukM iU mU oeU qsr mU
r LT AD Lq Lq Q L U bwi qsr mU Mr ei
W | Cx uaMUh M iWi mirM ua M xok q lus
qsrx Emsok Mr ei W AU lus qsru
lMU ei W |
c)
3.3
(M)
3.3.
(a)
(Z)
(b)
(a)
(c)
3.4
3.4.
(M)
(Z)
139
(a)
(b)
(a)
rS eUMi U oM x s aD Gh xuk q MD
AleM Aaq W i Ex eUMi U Alr mipir
q luz M p AleM luz ql eL |
3.6
M)
Z)
(4)
urim xuSL
oM ore SU ASs-oSs AU qS urimr q
uruWU MUi W | oM U uruWU Mr e UW ore SU
urimr mr ore SU ASs-oSs, mUxmU slSl
M qS ore SU ASs-oSs AU urS SU MUU W |
oM U uruWU M e UW qS urimr uMsm AU
qS ASs-oSs W |
(c)
3.6.
(a)
(b)
(4)
Derivative contracts
The Bank deals in Interest Rate Swaps and
Currency Derivatives. The Interest Rate Derivatives
dealt by the Bank are Rupee Interest Rate Swaps,
Cross Currency Interest Rate Swaps and Forward
Rate Agreements. Currency Derivatives dealt by
the Bank are Options and Currency Swaps.
(5) Aaq
5.1
Aaq M AeM AU AleM Axir M m q
xuaMi Mr ar W AU pUir Ueu oM U
lkUi uuMmh qlSQ M AlxU mukl ML aL
W |
5.2
5.3
(5)
5.1
Advances
Advances are classified as performing and nonperforming assets and provisions are made in
accordance with the prudential norms prescribed
by RBI.
5.2
5.3
140
(6)
6.1
Acs Axir
oM M mUxU q q pq AU mus pq xm
Sl zqs W | pq AU pul M meMUh WxiiUh
m / AoOl m / m MUUlq, Sbuk mus
xmr AU / r xm M piM kUh M AkU mU
Wi W |
6.2
(7)
7.1
qsrx
MmrOU M NQMU, Acs Axir M qsrxi
qsr mi M iWi iixok Axi M Emrer eul
mU mUMsi qsr M AkU mU mokl U lkUi SU
M AlxU qsrx Mr ei W | pUir Ueu oM
M SzlSz M AlxU, MmrOU mU qsrx M
xk MOi mhs M AkU mU 33.33% mpUi MUi
WL Mr ei W |
7.2
7.3
7.4
(8)
Axir M Amrl
xjU Axir mU Wlr M Amrl, rS MD W
i, M pUir xlS sZMU xxjl U eU sZ
qlM LLx- 28 M AlxU sp u Wl Zi q qlri
S aD W |
(9)
9.1
Uexu M mUMsl
Ar u urr M sZMl xqlrir Emci AkU mU
Mr ei W |
9.2
141
(6)
6.1.
Fixed Assets
The premises of the Bank include freehold and
leasehold properties. Land and Buildings are
capitalised based on conveyance / letters of
allotment / agreement to lease, deposit made on
long term leasehold properties and / or physical
possession of the property.
6.2.
(7)
7.1.
Depreciation
Fixed Assets excluding Computers are depreciated
under Written Down Value Method at the rates
determined by the management on the basis
of estimated useful life of the respective assets.
As per the guidelines of RBI, depreciation on
Computers is charged at 33.33% on Straight-Line
Method.
7.2.
7.3.
7.4.
(8)
Impairment of Assets
Impairment losses on Fixed Assets, if any, are
recognized in Profit & Loss Account in accordance
with AS 28 issued by ICAI.
(9)
9.1.
Revenue Recognition
Income and expenditure are generally accounted
on accrual basis.
9.2.
9.3
9.3.
9.4
9.4.
(10)
MqcU sp
(10)
Employee Benefits
10.1
10.2
10.3
(11)
MUkl
lrrM lhr AU Mll xsW mU ukui ucU
MUl M oS Ar MU Wi mukl Mr ei W|
Amukli uuSaxi MU "AMxqM SriA" M
Aliai zqs Mr ar W|
uw Wi MU urr q, uiql MU Lu Axjai MU zqs
W | rW Axjai MU xmr xqr piA M xok
q uuMmh ucU M Akl W AU rW pi MU rar
Ar AU sZMl Ar M oc M pi W e M
Mx LM Auk q Eim Wi W AU iSmUli LM r
AkM Auk M SUl miuil M qi UZi W |
(12)
12.1
lus sp
mukl, AMxqM SriL AU AMxqM Axir
Taxation
Provision for Income Tax is made after due
consideration of the judicial pronouncements and
legal opinion. Disputed taxes, not provided for, are
included under Contingent Liabilities.
Tax expenses for the year comprise of Current
Tax and Deferred Tax. Deferred Tax recognizes,
subject to the consideration of prudence in
respect of Deferred Tax Assets, timing differences
being the difference between taxable income
and accounting income that originate in one
period and are capable of reversal in one or more
subsequent periods.
142
12.2
13.
143
Alxc 18
SCHEDULE 18
luz:
i) rj 31.03.2013 M "mUmYui M sL kUi" ua
M iWi luz M mizi xukM iUsi Almi
(Lx Ls AU) oM M qa AU qrS Sri M
21.29% j (mNs uw 22.67%), e pUir Ueu
oM M SzlSzlxU Alqi xq M piU W |
AiU- zZ
zZ slSl:
mUxU:
mUxU q ` 223.27 MUQ (mNs uw ` 215.70 MUQ)
M MN xmr zqs W elM xSp q oM M m
q AiUh usZ M lwmSl soi W |
Inter-Branch Transactions:
The initial matching of entries received at Head
Office for the purpose of reconciliation under InterBranch transactions up to 31.03.2013 has been done.
However, Bank is continuing its efforts to reconcile
and reduce the remaining outstanding entries.
Premises:
Premises include certain properties having original
cost of `223.27 Crore (Previous year `215.70 Crore)
in respect of which conveyance deeds are pending
execution.
(` MUQ q)
qS
i. xAULAU (%)
ii. xAULAU-OrU I me (%)
iii. xAULAU-OrU II me (%)
iv. oM q pUi xUMU M
zrUkUh M mizi (%)
v. uw M SUl OrU II me M
eUL ah Gh M Uz
vi. uw M SUl AD m Q AD
M eU M eUL mmi Uz
vii. uw M SUl E OrU II
sZi M eU M eUL
mmi Uz
31.03.2013 31.03.2012
oxs II
oxs II
12.40
9.77
2.63
13.76
10.35
3.41
67.72
67.72
zlr
zlr
zlr
zlr
zlr
zlr
Investments:
i) The percentage of investments under Held to
Maturity category SLR as on 31.03.2013 was
21.29% of Demand and Time Liability of the
Bank (Previous year 22.67%), which is within the
permissible limit as per RBI guidelines.
144
31.03.2013 31.03.2012
Basel II
Basel II
12.40
13.76
9.77
10.35
2.63
3.41
67.72
67.72
Nil
Nil
Nil
Nil
Nil
Nil
4.2 luz:
(1) luz M qsr :
uuUh
i. luz M xMs qsr
M. pUi q
Z. pUi x oWU
(` MUQ q)
31.03.2013 31.03.2012
4.2 Investments:
(1) Value of Investments:
(` in Crore)
Particulars
121350.54 102687.33
120666.59 102012.58
a. In India
683.95
120666.59 102012.58
674.75
b. Outside India
683.95
674.75
217.71
629.90
121.93
481.33
95.78
148.57
ii. qsrx, Ll m AD
AU qS AxjUi (*) M sL
mukl
217.71
629.90
M. pUi q
121.93
481.33
a. In India
95.78
148.57
b. Outside India
Z. pUi x oWU
31.03.2013 31.03.2012
121132.83 102057.43
121132.83 102057.43
M. pUi q
120544.66 101531.25
a. In India
120544.66 101531.25
Z. pUi x oWU
588.17
526.18
b. Outside India
588.17
526.18
uuUh
i. mUpM zw
31.03.2013 31.03.2012
Particulars
629.90
383.58
i. Opening Balance
25.77
325.07
437.96
78.75
iv. Ci zw
217.71
629.90
145
31.03.2013 31.03.2012
629.90
383.58
25.77
325.07
437.96
78.75
217.71
629.90
(` MUQ q)
uw M SUl
lrliq oMr
slSl
uuUh
Um M iWi ui mipir
i) xUMU mipir
ii) laq Gh mipir
mi Um M iWi ZUS ar mipir
i) xUMU mipir
ii) laq Gh mipir
uw M SUl
AkMiq oMr
slSl
uw M SUl
miSl Axi
oMr
5.05
311.75
25.22
zlr
zlr
zlr
zlr
zlr
85.00
13063.59
3707.22
4007.63
zlr
zlr
zlr
zlr
rj
31.03.2013
(`in Crore)
Minimum
outstanding
during the year
Maximum
outstanding
during the year
Daily Average
outstanding
during the year
5.05
NIL
311.75
NIL
25.22
NIL
NIL
NIL
85.00
NIL
13063.59
NIL
3707.22
NIL
4007.63
NIL
(` MUQ q)
uw M SUl
lrliq oMr
slSl
uuUh
Um M iWi ui mipir
i) xUMU mipir
ii) laq Gh mipir
mi Um M iWi ZUS ar mipir
i) xUMU mipir
ii) laq Gh mipir
As on
31.03.2013
uw M SUl
AkMiq oMr
slSl
uw M SUl
miSl Axi
oMr
rj
31.03.2013
100.00
8000.00
339.73
zlr
zlr
zlr
zlr
zlr
200.00
3600.00
18.36
zlr
zlr
zlr
zlr
zlr
Minimum
outstanding
during the year
Maximum
outstanding
during the year
Daily Average
outstanding
during the year
As on
31.03.2013
100.00
NIL
8000.00
NIL
339.73
NIL
NIL
NIL
200.00
NIL
3600.00
NIL
18.36
NIL
NIL
NIL
146
(` MUQ q)
"Mq luz
"aU-UOQ" "Axcai"
le xjl
h"
mipir M mipir M
lrel xq mipir M
xq
xq
xq
x.
eUMi
Uz
(1)
(2)
(3)
(4)
877.44
124.24
zlr
zlr
17.49
3477.31
3139.86
zlr
zlr
38.31
11147.69
8554.07
50.97
56.84
35.97
2398.25
1937.03
314.66
59.17
59.17
709.55
697.17
zlr
zlr
zlr
(vi) Alr
736.95
182.47
zlr
zlr
zlr
207.63
--
--
--
--
19139.56
14634.84
365.63
116.01
150.94
(i)
xuelM Emq
(ii)
ur xxjL
(iii) oM
(iv) le MmUO
Alwar / xr Eq
(v)
Ms
(5)
(6)
(7)
(`in Crore)
Extent of
Extent of
Below
Private
Investment
Placement
Grade
Securities
Extent of
Unrated
Securities
Extent of
Unlisted
Securities
(6)
(7)
No.
Issuer
Amount
(1)
(2)
(3)
(4)
877.44
124.24
NIL
NIL
17.49
3477.31
3139.86
NIL
NIL
38.31
11147.69
8554.07
50.97
56.84
35.97
2398.25
1937.03
314.66
59.17
59.17
709.55
697.17
NIL
NIL
NIL
(vi) Others
736.95
182.47
NIL
NIL
NIL
207.63
--
--
--
--
19139.56
14634.84
365.63
116.01
150.94
(i)
PSUs
(ii)
FIs
(iii) Banks
(iv) Private Corporate
(v)
Total
(5)
Amounts reported under columns 4,5,6 and 7 above are not mutually exclusive.
147
(` MUQ q)
uuUh
mUpM zw
1 Ams* M oS uw M SUl
xukl
Emr Auk M SUl
MOi
Ci zw
kUi Ms mukl
(` in Crore)
Particulars
31.03.2013 31.03.2012
Opening balance
179.95
204.67
Additions during the year
79.42
29.77
since 1st April*
Reductions during the above
33.61
54.49
period
Closing balance
225.76
179.95
Total Provisions held
201.26
179.95
31.03.2013 31.03.2012
179.95
204.67
79.42
29.77
33.61
54.49
225.76
201.26
179.95
179.95
urimllr:
(` MUQ q)
uuUh
31.03.2013 31.03.2012
i.
ii.
iii.
3186.00
3003.00
336.00
323.00
zlr
zlr
iv.
zlr
zlr
v.
334.03
319.32
4.3
Derivatives:
(` in Crore)
Particulars
31.03.2013 31.03.2012
i.
3186.00
3003.00
ii.
Losses which would be incurred if counter parties failed to fulfill their obligations
under the agreements
336.00
323.00
iii.
NIL
NIL
iv.
NIL
NIL
v.
334.03
319.32
148
(` MUQ q)
orU
Uz
(i)
(ii)
(iii)
zlr
(iv)
ulqr urmU ore SU urim oMr M SlM oeU qsr ij "erS mpu" lW
(sZi-uU)
zlr
zlr
zlr
Particulars
Amount
(i)
Notional principal amount of exchange traded interest rate derivatives undertaken during the
year (instrument-wise)
NIL
(ii)
Notional principal amount of exchange traded interest rate derivatives outstanding as on 31st
March 2013 (instrument-wise)
NIL
(iii)
Notional principal amount of exchange traded interest rate derivatives outstanding and not
highly effective (instrument- wise)
NIL
(iv)
Mark-to-market value of exchange traded interest rate derivatives outstanding and not
highly effective (instrument-wise)
NIL
4.3.3 urim q e
eZq xq xok mMOMUh:
ahiqM mMOMUh
oM M Axir / SriA M ocu uruxj M sL urim
sZi M Emra xok q lSzM qQs U AlqSi
UeMw eZq mokl li W |
I Qualitative Disclosure
The Treasury Risk Management Policy for using Derivative
Instruments to hedge banks Assets/Liabilities has been
approved by the Board of Directors.
149
OQa M xji
xqlr AiUs q OQa xum M oeU mU AMi
Mr ei W AU Ar uuUh q mUuil M UMQ
Mr ei W |
Trading Positions
150
II
mUqhiqM mMOMUh
. x.
1
(` MUQ q)
uuUh
qS urim
486.00
3086.00
zlr
100.00
57.00
336.00
- SriL (-)
zlr
(1.97)
Gh eZq
zlr
- OQa
2
ore SU urim
bUs
xqSmUr
qS
urim
ore SU
urim
qS
urim
ore SU
urim
zlr
zlr
(7.00)
109.00
- OQa urimr mU
zlr
0.0166
zlr
zlr
zlr
zlr
-12,-7
137,109
- OQa urimr mU
zlr
0.0255/0.0161
zlr
zlr
urS xuS [100%mu01] M iWi oMr xji mU ulqr SU q LM mizi mUuil M xqlr mpu : `3.78 MUQ
M sp
151
II
Quantitative disclosure
(` in Crore)
Sl.
No.
Particulars
Currency Derivatives
- Hedging
486.00
3086.00
NIL
100.00
57.00
336.00
- Liabilities (-)
NIL
(1.97)
Credit Exposure
NIL
- Trading
2
Domestic
Overseas
Currency
Derivative
Interest Rate
Derivatives
Currency
Derivative
Interest Rate
Derivatives
- on hedging derivatives
NIL
NIL
(7.00)
109.00
- on trading derivatives
NIL
0.0166
NIL
NIL
- on hedging
NIL
NIL
-12,-7
137,109
- on trading
NIL
0.0255/0.0161
NIL
NIL
Likely impact of one percentage change in exchange rate on outstanding position under forward contract
[100%PV01]: Gain of `3.78 crore.
152
4.4
Axi ahu:
(` MUQ q)
uuUh
(i)
(ii)
M.
Z.
a.
b.
(iii)
M.
Z.
a.
b.
(iv)
M.
Z.
a.
b.
X.
4.4
31.03.2013 31.03.2012
2.18
1.46
4031.75
5819.30
3590.89
6260.16
3137.36
4589.84
3695.45
4031.75
3386.31
5819.30
3927.54
5278.07
2329.91
4589.84
3533.44
3386.31
598.56
8.67
1860.99
1535.26
932.96
756.03
8.28
1294.06
1459.81
598.56
Asset Quality:
31.03.2013 31.03.2012
153
2.18
1.46
4031.75
5819.30
3590.89
6260.16
3137.36
4589.84
3695.45
4031.75
3386.31
5819.30
3927.54
5278.07
2329.91
4589.84
3533.44
3386.31
598.56
8.67
1860.99
1535.26
932.96
756.03
8.28
1294.06
1459.81
598.56
4.4.2
qM
(` MUQ q)
ml:xUcl M mMU
Axi uaMUh
uuUh
rj ur uw
M 01 Ams M
ml:xUcl Zi
(mUpM AMQ)
uw M SUl lD
ml:xUcl
ur uw M SUl
ml:xUci qlM
h M xiUrl
EkUMiA M
xZr
ur uw M SUl
o Zi Qs aL
ml:xUci Zi
ur uw M 31
qc M ml:xUcl
Zi (Ci AMQ)
qlM
AuqlM
xSak
Ms
26
oMr Uz
2025.81
77.66
133.03
iSxok
mukl
175.89
11.65
53.48
237.69
40
oMr Uz
2016.87
34.14
iSxok
mukl
160.83
AuqlM
xSak
Wl
Ms
990
1400
237.69 2474.19
193.73
17.76
478.71
9.49
2.78
43
696
33
17
29.45
0.00 2080.45
358.75
83.63
1.00
0.05 443.42
8.82
23.35
0.00
193.00
12.17
12.85
0.44
0.05
25.51
-3
612
-224
-65
-323
oMr Uz
0.00
0.00
238.42
-238.42
0.00
11.31
-9.24
-0.77 -1.29
0.00
iSxok
mukl
0.00
0.00
217.87
0.00
217.87
0.31
0.00
0.00
0.00
0.31
-3
-3
-278
-278
-218.11
0.00
0.00
0.00 -218.11
-64.07
0.00
0.00
0.00 -64.07
1.17
0.00
0.00
0.00
1.17
2.36
0.00
0.00
0.00
2.36
-4
-233
230
-195.65
195.65
0.00
0.00
0.00
-31.31
29.57
1.74
0.00
0.00
0.00
32.39
0.00
0.00
32.39
0.00
5.56
1.74
0.00
7.30
166
567
390
1127
oMr Uz
0.00
0.00
0.00
0.00
0.00
0.000
0.000
0.000 0.000
0.00
iSxok
mukl
0.00
0.00
0.00
0.00
0.00
0.00
0.00
69
10
82
1297
1393
oMr Uz
3511.34
224.32
480.77
0.00 4216.42
479.14
109.08
iSxok
mukl
408.07
37.35
400.52
0.00
19.30
17.35
EkUMiA M
xZr
EkUMiA M
xZr
EkUMiA M
xZr
oMr Uz
iSxok
mukl
EkUMiA M
xZr
EkUMiA M
xZr
154
qlM
34
ur uw M
EkUMiA M
xqmi mU EiU
xZr
muklMUh ij
oMr Uz
/ r AiU
eZq pU AMwi
MUlus ml:xUci
qlM Aaq M
iSxok
Aas ur uw
mukl
q ml: xUci
qlM Aaq M
m q SZl M
AuzrMi lW W
ur uw M SUl
ml:xUci Zi M
Aulrl
xQAU i M iWi
845.94
4281 3189
0.00
9860
752
0.00
0.00
3920 2592
9202
4.4.2
Sl.
No.
ASSET CLASSIFICATION
DETAILS
RESTRUCTURE
ACCOUNTS AS
ON APRIL 1 OF
FY(OPENING
FIGURES)
NO OF
BORROWERS
UPGRADATIONS
TO RESTRUCTURED
STANDARD
CATEGORY DURING
THE FY
RESTRUCTURED
STANDARD
ADVANCES
WHICH CEASE TO
ATTRACT HIGHER
PROVISIONING
AND/OR
ADDITIONAL RISK
WEIGHT AT THE
END OF THE FY
AND HENCE NEED
NOT TO BE SHOWN
AS RESTRUCTURED
STANDARD
ADVANCES AT THE
BEGINNING OF THE
NEXT FY
DOUBTFUL
LOSS
TOTAL
STANDARD
SUB
STANDARD
DOUBTFUL
LOSS
TOTAL
34
990
1400
4281
3189
9860
AMOUNT
OUTSTANDING
2025.81
77.66
133.03
237.69
2474.19
193.73
17.76
120.12
45.17
376.79
PROVISION
THEREON
175.89
11.65
53.48
237.69
478.71
9.49
2.78
48.86
45.17
106.30
40
43
696
33
17
752
AMOUNT
OUTSTANDING
2016.87
34.14
29.45
0.00
2080.45
358.75
83.63
1.00
0.05
443.42
PROVISION
THEREON
160.83
8.82
23.35
0.00
193.00
12.17
12.85
0.44
0.05
25.51
-3
612
-224
-65
-323
AMOUNT
OUTSTANDING
0.00
0.00
238.42
-238.42
0.00
11.31
-9.24
-0.77
-1.29
0.00
PROVISION
THEREON
0.00
0.00
217.87
0.00
217.87
0.31
0.00
0.00
0.00
0.31
-3
-3
-278
-278
-218.11
0.00
0.00
0.00
-218.11
-64.07
0.00
0.00
0.00
-64.07
1.17
0.00
0.00
0.00
1.17
2.36
0.00
0.00
0.00
2.36
-4
-233
230
-195.65
195.65
0.00
0.00
0.00
-31.31
29.57
1.74
0.00
0.00
0.00
32.39
0.00
0.00
32.39
0.00
5.56
1.74
0.00
7.30
166
567
390
1127
0.00
0.00
0.00
0.00
0.00
0.000
0.000
0.000
0.000
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
69
10
82
1297
1393
3920
2592
9202
AMOUNT
OUTSTANDING
3511.34
224.32
480.77
0.00
4216.42
479.14
109.08
118.91
51.75
758.88
PROVISION
THEREON
408.07
37.35
400.52
0.00
845.94
19.30
17.35
59.32
51.75
147.72
NO OF
BORROWERS
NO OF
BORROWERS
AMOUNT
OUTSTANDING
PROVISION
THEREON
DOWNGRADATIONS
OF RESTRUCTURED
AMOUNT
ACCOUNTS DURING OUTSTANDING
THE FY
PROVISION
THEREON
NO OF
BORROWERS
WRITE OFFs OF
RESTRUCTURED
AMOUNT
ACCOUNTS DURING OUTSTANDING
THE FY
PROVISION
THEREON
RESTRUCTURED
ACCOUNTS AS
ON MARCH 31 OF
THE FY (CLOSING
FIGURES)
SUB
STANDARD
3
NO OF
BORROWERS
STANDARD
26
NO OF
BORROWERS
FRESH
RESTRUCTURING
DURING THE YEAR
NO OF
BORROWERS
155
(` MUQ q)
qM
ml:xUcl M mMU
Axi uaMUh
Axi
uaMUh
uuUh
rj ur uw M 01
Ams M ml:xUcl
Zi (mUpM AMQ)
uw M SUl lD
ml:xUcl
ur uw M SUl
ml:xUci qlM h
M xiUrl
EkUMiA M
xZr
ur uw M SUl
o Zi Qs aL
ml:xUci Zi
qlM
AuqlM
Alr
xSak
Wl
Ms
qlM
AuqlM
xSak
Wl
3455
1234
2276
1226
8191
4471
2637
6560
4417
18085
oMr Uz
3826.82
296.09
350.55
82.02
4555.48
6046.36
391.51
603.70
364.89
7406.47
iSxok
mukl
216.34
46.98
141.01
82.02
486.36
401.72
61.42
243.35
364.89
1071.37
3171
166
49
21
3407
3907
201
67
27
4202
13522.04
874.90
89.26
10.90 14497.10
EkUMiA M
xZr
oMr Uz
11146.42
757.21
58.74
10.85 11973.22
iSxok
mukl
94.85
122.40
39.58
10.85
267.68
267.85
144.07
63.37
10.90
486.19
EkUMiA M
xZr
1277
-1277
269
-269
1889
-1501
207
-595
oMr Uz
34.29
-34.29
36.73 -36.73
0.00
45.60
-43.53
274.38 -276.44
0.00
iSxok
mukl
0.94
0.00
14.69
0.00
15.63
1.25
0.00
232.56
0.00
233.81
-429
-429
-710
-710
-371.23
0.00
0.00
0.00
-371.23
-653.40
0.00
0.00
0.00
-653.40
10.49
0.00
0.00
0.00
10.49
14.02
0.00
0.00
0.00
14.02
-600
138
311
151
-837
364
314
151
-187.52
88.68
82.00
16.84
0.00
-414.47
313.89
83.74
16.84
0.00
0.00
16.96
82.00
16.84
115.80
0.00
54.91
83.74
16.84
155.49
13
37
102
75
227
17
203
669
465
1354
oMr Uz
0.09
0.01
0.00
0.02
0.12
0.09
0.01
0.00
0.02
0.12
iSxok
mukl
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5812
1472
2362
917
10563
7178
2868
6292
3509
19847
14191.29
1052.16
18181.77
1385.55
1318.71
574.24
180.06
1001.61
234.76
891.08
ur uw M
EkUMiA M
xqmi mU EiU
xZr
muklMUh ij /
oMr Uz
r AiU eZq
pU AMwi MUlus
ml:xUci qlM
Aaq M Aas
iSxok
ur uw q ml:
mukl
xUci qlM Aaq
M m q SZl M
AuzrMi lW W
ur uw M SUl
ml:xUci Zi M
Aulrl
ml:xUcl M mMU
EkUMiA M
xZr
oMr Uz
iSxok
mukl
EkUMiA M
xZr
EkUMiA M
xZr
ur uw M 31 qc
M ml:xUcl Zi
oMr Uz
(Ci AMQ)
iSxok
mukl
431.24 195.62
1381.16
uai AcUh M AlxU ml:xUci qlM Aaq M xok q lkai ore xuk Gh M Ar M m q ql ar W ij iSlxU Zi q lmOr ar W |
156
247.37 21133.41
247.37
2374.82
(` in Crore)
TYPE OF RESTRUCTURING
Sl.
No.
ASSET CLASSIFICATION
DETAILS
NO OF
BORROWERS
RESTRUCTURE
ACCOUNTS AS
AMOUNT
ON APRIL 1 OF
OUTSTANDING
FY(OPENING FIGURES)
PROVISION
THEREON
FRESH
RESTRUCTURING
DURING THE YEAR
RESTRUCTURED
ACCOUNTS AS ON
MARCH 31 OF THE FY
(CLOSING FIGURES)
TOTAL
STANDARD
SUB
STANDARD
DOUBTFUL
LOSS
TOTAL
1226
8191
4471
2637
6560
4417
18085
3826.82
296.09
350.55
82.02
4555.48
6046.36
391.51
603.70
364.89
7406.47
216.34
46.98
141.01
82.02
486.36
401.72
61.42
243.35
364.89
1071.37
3171
166
49
21
3407
3907
201
67
27
4202
11146.42
757.21
58.74
10.85 11973.22
13522.04
874.90
89.26
10.90 14497.10
94.85
122.40
39.58
10.85
267.68
267.85
144.07
63.37
10.90
486.19
1277
-1277
269
-269
1889
-1501
207
-595
34.29
-34.29
36.73
-36.73
0.00
45.60
-43.53
274.38
-276.44
0.00
0.94
0.00
14.69
0.00
15.63
1.25
0.00
232.56
0.00
233.81
-429
-429
-710
-710
-371.23
0.00
0.00
0.00
-371.23
-653.40
0.00
0.00
0.00
-653.40
10.49
0.00
0.00
0.00
10.49
14.02
0.00
0.00
0.00
14.02
-600
138
311
151
-837
364
314
151
-187.52
88.68
82.00
16.84
0.00
-414.47
313.89
83.74
16.84
0.00
0.00
16.96
82.00
16.84
115.80
0.00
54.91
83.74
16.84
155.49
13
37
102
75
227
17
203
669
465
1354
AMOUNT
OUTSTANDING
0.09
0.01
0.00
0.02
0.12
0.09
0.01
0.00
0.02
0.12
PROVISION
THEREON
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NO OF
BORROWERS
5812
1472
2362
917
10563
7178
2868
6292
3509
19847
14191.29
1052.16
18181.77
1385.55
1318.71
574.24
180.06
1001.61
234.76
891.08
AMOUNT
OUTSTANDING
RESTRUCTURED
NO OF
STANDARD ADVANCES BORROWERS
WHICH CEASE TO
AMOUNT
ATTRACT HIGHER
PROVISIONING AND/ OUTSTANDING
OR ADDITIONAL RISK
WEIGHT AT THE END
OF THE FY
AND HENCE NEED
PROVISION
NOT TO BE SHOWN
THEREON
AS RESTRUCTURED
STANDARD ADVANCES
AT THE BEGINNING OF
THE NEXT FY
WRITE OFFs OF
RESTRUCTURED
ACCOUNTS DURING
THE FY
LOSS
2276
NO OF
BORROWERS
UPGRADATIONS
TO RESTRUCTURED
AMOUNT
STANDARD CATEGORY OUTSTANDING
DURING THE FY
PROVISION
THEREON
DOWNGRADATIONS
OF RESTRUCTURED
ACCOUNTS DURING
THE FY
SUB
DOUBTFUL
STANDARD
1234
PROVISION
THEREON
STANDARD
TOTAL
3455
NO OF
BORROWERS
2
OTHERS
NO OF
BORROWERS
AMOUNT
OUTSTANDING
PROVISION
THEREON
NO OF
BORROWERS
AMOUNT
OUTSTANDING
PROVISION
THEREON
431.24 195.62
1381.16
247.37 21133.41
247.37
2374.82
As per the past practice the Funded Interest Term Loan in respect of Restructured Standard Advances is recognized as Income and dealt accordingly in the accounts.
157
(` MUQ q)
(` In Crore)
uuUh
i.
Zi M xZr
Particulars
31.03.2013 31.03.2012
zlr
zlr
i.
31.03.2013 31.03.2012
No. of accounts
NIL
NIL
NA
NA
sa lW
sa lW
sa lW
sa lW
NA
NA
sa lW
NA
NA
NA
NA
iv. mu M uw q AiUi
Zi M xok q uxs
Mr ar AiU
miTs
v.
lus oW qsr mU
xqa sp
sa lW
v.
sa lW
sa lW
financial
assets
M)
A.
financial
assets
(` MUQ q)
uuUh
1
M. uw M SUl
ZUS ar Zi
M xZr
Z. xqa
miTs
2. M. Elq x uw M
SUl mlxUclMi
Zi M xZr
Z. xqa oMr
zlr
sa lW
sa lW
sa lW
sa lW
sa lW
sa lW
non-performing
(` In Crore)
31.03.2013 31.03.2012
zlr
Details of
purchased
Particulars
1
a. No. of accounts
purchased during
the year
NIL
NIL
b. Aggregate
consideration
NA
NA
NA
NA
NA
NA
2. a. Of these, number of
accounts restructured
during the year
b. Aggregate outstanding
158
31.03.2013 31.03.2012
Z)
B.
(` MUQ q)
uuUh
Particulars
31.03.2013 31.03.2012
oc ar Zi M xZr
zlr
zlr
sa lW
sa lW
sa lW
sa lW
i.
4.4.5
qlM Axir mU
mukl
4.5
NIL
NIL
NA
NA
NA
NA
(` MUQ q)
Particulars
31.03.2013 31.03.2012
1214.70
958.00
4.5
i.
31.03.2013 31.03.2012
31.03.2013 31.03.2012
31.03.2013 31.03.2012
1214.70
958.00
Business Ratios:
Particulars
31.03.2013 31.03.2012
i. Mrzs lk M
mizi M m q ore
Ar (%)
9.05
8.94
i. Interest income as a
percentage to Working
Funds (%)
9.05
8.94
ii. Mrzs lk M
mizi M m q aU-ore
Ar (%)
0.84
0.85
0.84
0.85
iii. Mrzs lk M
mizi M m q
mUcsliqM sp (%)
1.56
1.72
1.56
1.72
0.77
0.95
0.77
0.95
1420.17
1374.36
1420.17
1374.36
6.96
8.21
6.96
8.21
159
eq
Aaq
luz
EkU
4466.37
5408.33
306.94
(3270.80)
(8634.02)
(350.60)
12222.48
6689.13
873.88
(8130.43)
(7488.81)
(3058.59)
6777.22
7203.89
528.41
(4190.14)
(7209.16)
(910.01)
6040.14
9021.95
2072.29
(4246.87)
(7027.99)
(1967.46)
43194.53
22667.97
8987.10
(34055.81)
(26996.74)
(6485.29)
21281.43
20930.30
1557.68
(29491.45)
(21003.96)
(983.46)
79823.87
39728.83
1613.55
(93106.69)
(32222.77)
(1550.50)
57729.47
65415.73
7672.61
(47384.82)
(57403.00)
(3715.24)
48627.36
23289.20
18699.15
(37999.89)
(24790.81)
(12838.05)
75693.12
42358.29
78821.22
(65176.83)
(39712.56)
(70198.22)
355855.99
242176.62
121132.83
(327053.73) (232489.82) (102057.42)
3054.28
(0.00)
108.57
(0.00)
604.42
(0.00)
911.33
(518.06)
2149.52
(1613.22)
1184.59
(1286.06)
1223.99
(25.68)
2199.87
(2511.14)
4932.20
(4956.62)
3914.60
(4614.60)
20283.37
(15525.39)
uSz qS
Axir
842.73
(772.15)
1643.77
(1505.11)
1208.98
(542.31)
2304.91
(876.17)
6722.40
(5994.81)
5074.75
(4447.25)
2793.29
(911.19)
1380.99
(1175.59)
1565.29
(1143.07)
1812.29
(1954.50)
25349.40
(19322.15)
(` MUQ q)
uSz qS
SriL
336.14
(510.26)
555.29
(940.26)
1107.81
(231.77)
2600.56
(1222.59)
8136.31
(5976.22)
4219.36
(3819.34)
2758.16
(1251.56)
642.87
(1504.31)
3789.62
(3107.84)
1203.28
(758.00)
25349.40
(19322.15)
Deposits
Advances
Investments
4466.37
5408.33
306.94
(3270.80)
(8634.02)
(350.60)
12222.48
6689.13
873.88
(8130.43)
(7488.81)
(3058.59)
6777.22
7203.89
528.41
(4190.14)
(7209.16)
(910.01)
6040.14
9021.95
2072.29
(4246.87)
(7027.99)
(1967.46)
43194.53
22667.97
8987.10
(34055.81)
(26996.74)
(6485.29)
21281.43
20930.30
1557.68
(29491.45)
(21003.96)
(983.46)
79823.87
39728.83
1613.55
(93106.69)
(32222.77)
(1550.50)
57729.47
65415.73
7672.61
(47384.82)
(57403.00)
(3715.24)
48627.36
23289.20
18699.15
(37999.89)
(24790.81)
(12838.05)
75693.12
42358.29
78821.22
(65176.83)
(39712.56)
(70198.22)
355855.99
242176.62
121132.83
(327053.73) (232489.82) (102057.42)
Borrowings
3054.28
(0.00)
108.57
(0.00)
604.42
(0.00)
911.33
(518.06)
2149.52
(1613.22)
1184.59
(1286.06)
1223.99
(25.68)
2199.87
(2511.14)
4932.20
(4956.62)
3914.60
(4614.60)
20283.37
(15525.39)
160
(` in Crore)
Foreign Currency Foreign Currency
Assets
Liabilities
842.73
336.14
(772.15)
(510.26)
1643.77
555.29
(1505.11)
(940.26)
1208.98
1107.81
(542.31)
(231.77)
2304.91
2600.56
(876.17)
(1222.59)
6722.40
8136.31
(5994.81)
(5976.22)
5074.75
4219.36
(4447.25)
(3819.34)
2793.29
2758.16
(911.19)
(1251.56)
1380.99
642.87
(1175.59)
(1504.31)
1565.29
3789.62
(1143.07)
(3107.84)
1812.29
1203.28
(1954.50)
(758.00)
25349.40
25349.40
(19322.15)
(19322.15)
4.7
Gh eZq:
4.7.1 xjuU xmS q Gh eZq:
(` MUQ q)
h
M)
31.03.2013 31.03.2012
mir Gh eZq
11324.69
10081.75
Auxr okM
- Auxr xmii M okM U Gh mh m x xUi W e EkUMi U ApaWi Mr eLa
r MUL mU SL aL W |
9705.36
8204.55
6175.52
6563.64
1617.88
1875.12
1.45
2.08
1.45
2.08
NIL
NIL
Amir Gh eZq
4445.53
7603.28
4445.53
7603.28
15770.22
17685.03
4.7 Exposures:
4.7.1 Exposure to Real Estate Sector:
Category
Direct Exposure
Residential Mortgages
- lending fully secured by Mortgages on residential property that is or will be occupied
by the borrower or that is rented
- Of which, individual Housing Loans eligible for inclusion in priority sector advances
(ii) Commercial Real Estate
- Lending secured by mortgages on commercial real estates (office buildings, retail
space, multi-purpose commercial premises, multi-family residential buildings, multitenanted commercial premises, industrial or warehouse space, hotels, land acquisition,
development and construction, etc). Exposure also include non-fund based (NFB) limits.
(iii) Investments in Mortgage Backed Securities (MBS) and other securitized exposures a. Residential
b. Commercial Real Estate
b) Indirect Exposure
Fund based and non-fund based exposures on National Housing Bank (NHB) and Housing
Finance Companies (HFCs)
Total Exposure to Real Estate Sector
a)
(i)
(As compiled and certified by the management and relied upon by the auditors)
161
(` in Crore)
31.03.2013 31.03.2012
11324.69 10081.75
9705.36
8204.55
6175.52
1617.88
6563.64
1875.12
1.45
1.45
NIL
4445.53
4445.53
2.08
2.08
NIL
7603.28
7603.28
15770.22
17685.03
(` MUQ q)
uuUh
31.03.2013
31.03.2012
i.
DYuO zrU, mUuilr okm, mUuilr QocU AU DYuO ElqZ mUxmU lkr q
mir luz exM AUpM lk lii m x laq Gh q lu lW M aD
1119.57
1102.99
ii.
zlr
zlr
iii.
1063.88
829.80
iv.
zlr
150.00
v.
859.88
1346.49
vi.
zlr
zlr
vii.
zlr
zlr
viii
zlr
zlr
zlr
zlr
348.13
348.82
3391.46
3778.10
ix
x
162
31.03.2013
31.03.2012
1119.57
1102.99
NIL
NIL
i.
ii.
iii.
Advances for any other purposes where shares or convertible bonds or convertible
debentures or units of equity oriented mutual funds are taken as primary security.
1063.88
829.80
iv.
Advances for any other purposes to the extent secured by the collateral security of
shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds i.e. where the primary security other than shares/convertible bonds/
convertible debentures/units of equity oriented mutual funds does not fully cover
the advances.
NIL
150.00
v.
859.88
1346.49
vi.
NIL
NIL
vii.
NIL
NIL
viii
NIL
NIL
ix
NIL
NIL
348.13
348.82
3391.46
3778.10
163
rj 31.03.2013
M Gh eZq
(lus)
rj 31.03.2013
M kUi
mukl
rj 31.03.2012
M Gh eZq
(lus)
rj
31.03.2012 M
kUi mukl
4447.31
zlr
3482.75
zlr
14679.66
zlr
12364.69
zlr
927.91
zlr
107.92
zlr
63.57
zlr
144.00
zlr
2.32
zlr
0.83
zlr
zlr
zlr
zlr
3.07
zlr
2.91
zlr
20123.84
zlr
16103.10
zlr
Exposure (net)
as at
31.03.2013
Provision held
as at
31.03.2013
Exposure (net)
as at
31.03.2012
Provision held
as at
31.03.2012
4447.31
NIL
3482.75
NIL
14679.66
NIL
12364.69
NIL
927.91
NIL
107.92
NIL
63.57
NIL
144.00
NIL
Very High
2.32
NIL
0.83
NIL
Restricted
NIL
NIL
NIL
Off-credit
3.07
NIL
2.91
NIL
20123.84
NIL
16103.10
NIL
Low
Moderate
High
TOTAL
164
(` MUQ q)
uuUh
31.03.2013 31.03.2012
Ms aU eqli Aaq
exq x
i) xmM M m q oM mU
mpUi Aqi mipir ex
AkMU, sCxx, mkMUh
AS M mpU mU oMr Aaq
M Uz
ii) Lx Aqi mipir
(E (i) M AlxU) M
xpui qsr
42158.81
57021.17
7858.93
3520.07
8165.46
5239.85
4.8 uuk:
4.8.1 uw M SUl ArMU Wi Mr ar mukl M Uz:
(` MUQ q)
uuUh
ArMU Wi mukl
(xm MU ij Axjai
MU xWi)
800.00
800.00
Particulars
Provision for Income Tax
(including Wealth tax and
Deferred tax)
sZMl qlSQ:
pUir xlS sZMU xxjl U eU Mr aL
uuk sZMl qlSQ M iWi mMOMUh AmA
M xok q pUir Ueu oM U eU Mr aL
SzlSz M Almsl q, lqlsZi xcl M
mMOMUh Mr ei W:
165
31.03.2013 31.03.2012
42158.81
57021.17
7858.93
3520.07
8165.46
5239.85
4.8. Miscellaneous:
4.8.1 Amount of Provisions made for Income Tax during
the year:
(` in Crore)
31.03.2013 31.03.2012
31.03.2013 31.03.2012
800.00
800.00
Accounting Standards:
In compliance with the guidelines issued by the
RBI regarding disclosure requirements of the
various Accounting Standards issued by ICAI, the
following information is disclosed:
5.1
5.1
5.3
EmSl
mzl
8.32%
8.00%
4.00%
8.11%
8.00%
4.00%
Gratuity
8.32%
8.00%
4.00%
NIL
LIC (1994-96)
Ultimate
Pension
8.11%
8.00%
4.00%
2.50%
LIC (1994-96)
Ultimate
uzwkMU N
8.32%
zlr
4.00%
zlr
zlr
2.50%
e.o.l. (1994-96) e.o.l.(1994-96) e.o.l.(1994-96)
AkUpi
AkUpi
AkUpi
166
Privilege Leave
8.32%
NIL
4.00%
NIL
LIC (1994-96)
Ultimate
(` MUQ q)
uw M zAi q Q o A
mzl
uzwkMU N
1,473.03
7,741.98
683.51
xu sai
30.46
171.91
25.25
ore sai
119.36
648.74
58.48
166.52
592.81
(54.34)
sp pail
(170.25)
(570.51)
(6.89)
uw M Ai q Q o A
1,619.12
8,584.93
706.01
1,376.63
7,480.00
111.00
579.48
191.97
97.44
6.89
oqMM sp / (Wlr)
9.83
493.67
sp pail
(170.25)
(570.51)
(6.89)
1,519.18
8,080.08
Change in obligation and assets over the year ending 31 Mar 2013
(` in Crore)
A
Pension
Privilege Leave
1,473.03
7,741.98
683.51
Service Cost
30.46
171.91
25.25
Interest Cost
119.36
648.74
58.48
166.52
592.81
(54.34)
Benefit Payments
(170.25)
(570.51)
(6.89)
1,619.12
8,584.93
706.01
1,376.63
7,480.00
111.00
579.48
191.97
97.44
6.89
9.83
493.67
Benefits payments
(170.25)
(570.51)
(6.89)
1,519.18
8,080.08
167
Alpuai CiWx
(` MUQ q)
EmSl
mzl
uzwkMU N
uw M Ai q mUpwi Sriu sp
1,619.12
8,584.93
706.01
uw M Ai q relai Axir
1,519.18
8,080.08
lkrl xji
(99.94)
(504.86)
(706.01)
141.65
32.15
(66.37)
9.83
493.67
Experience History
(` in Crore)
Gratuity
Pension
Privilege Leave
1,619.12
8,584.93
706.01
1,519.18
8,080.08
Funded Status
(99.94)
(504.86)
(706.01)
141.65
32.15
(66.37)
9.83
493.67
(` MUQ q)
EmSl
mzl
uzwkMU N
1,473.03
7,741.98
683.51
1,376.63
7,480.00
(96.40)
(261.98)
(683.51)
(96.40)
(261.98)
(683.51)
Pension
Privilege Leave
1,473.03
7,741.98
683.51
1,376.63
7,480.00
(96.40)
(261.98)
(683.51)
(96.40)
(261.98)
(683.51)
168
(` MUQ q)
lr urr M bOM
EmSl
1
mzl
uzwkMU N
30.45
171.91
25.25
119.36
648.74
58.48
(111.00)
(579.48)
ore sai
156.70
99.14
(54.34)
195.51
340.31
29.39
Interest Cost
4
5
Pension
Privilege Leave
30.45
171.91
25.25
119.36
648.74
58.48
(111.00)
(579.48)
156.70
99.14
(54.34)
195.51
340.31
29.39
(` MUQ q)
EmSl
mzl
uzwkMU N
1,619.12
8,584.93
706.01
1,519.18
8,080.08
(99.94)
(504.85)
(706.01)
(99.94)
(504.85)
(706.01)
Pension
Privilege Leave
1,619.12
8,584.93
706.01
1,519.18
8,080.08
(99.94)
(504.85)
(706.01)
(99.94)
(504.85)
(706.01)
169
5.4
(` MUQ q)
xqmi uw
MUoU ZQ
31.03.2013 31.03.2012
(M) ZQ Uexu
1
UeMw mUcsl
10294.45
7826.50
9463.97
8338.57
17223.41
17272.11
jM oMa mUcsl
aU AoOi
Ms
0.00
0.00
249.11
341.04
37230.94
33778.22
(Z) ZQ mUhq
1
UeMw mUcsl
1115.81
572.72
1864.14
2031.47
jM oMa mUcsl
2705.43
3036.11
0.00
0.00
5685.38
5640.30
204.63
302.86
(b) mUcsl sp
5890.01
5943.16
2217.91
1860.45
Ms
(a) aU AoOi Ar / urur
(c) Ar MU
(N) lus sp
800.00
800.00
2872.10
3282.71
150904.28
119619.18
UeMw mUcsl
78711.04
68458.60
jM oMa mUcsl
171294.18
177113.82
0.00
0.00
aU AoOi Axir
9399.87
6903.46
410309.37
372095.06
Ms
(g) ZQ SriL
1
UeMw mUcsl
28855.45
42572.21
156299.98
139940.75
jM oMa mUcsl
180253.80
149166.13
0.00
0.00
aU AoOi SriL
22055.59
19791.15
me AU AUi lkr
22844.55
20624.82
410309.37
372095.06
Ms
( mlqsrMl AUi lk M NQMU)
*
170
5.4
(a)
Segment Revenue
Treasury Operations
Unallocated
Total
Year ended
31.03.2013 31.03.2012
10294.45
7826.50
9463.97
8338.57
17223.41
17272.11
0.00
0.00
249.11
341.04
37230.94
33778.22
Treasury Operations
1115.81
572.72
1864.14
2031.47
2705.43
3036.11
0.00
0.00
5685.38
5640.30
204.63
302.86
5890.01
5943.16
(e)
2217.91
1860.45
(f)
Income Tax
800.00
800.00
2872.10
3282.71
150904.28
119619.18
Total
(c)
Unallocated Income/Expenses
Segment Assets*
Treasury Operations
Unallocated Assets
Total
78711.04
68458.60
171294.18
177113.82
0.00
0.00
9399.87
6903.46
410309.37
372095.06
28855.45
42572.21
( j)
Segment Liabilities
Treasury Operations
156299.98
139940.75
180253.80
149166.13
0.00
0.00
Unallocated Liabilities
22055.59
19791.15
22844.55
20624.82
410309.37
372095.06
Total
(* Excluding Revaluation Reserve)
171
pa Z: pasM ZQ:
(` MUQ q)
xqmi uw
31.03.2013 31.03.2012
pasM ZQ
M
Sz mUcsl
Uexu
Axir
uSz mUcsl
Uexu
Axir
Ms
Uexu
Axir*
36645.47
386312.09
33264.31
354488.20
585.47
23997.27
513.91
17606.86
37230.94
410309.37
33778.22
372095.06
GEOGRAPHICAL SEGMENT
A
Domestic Operations
Revenue
Assets
International Operations
Revenue
Assets
Total
Revenue
Assets*
36645.47
386312.09
33264.31
354488.20
585.47
23997.27
513.91
17606.86
37230.94
410309.37
33778.22
372095.06
5.5
172
5.5.2 mkl
i) MlU oM
5.5.3 Subsidiaries
i) Canbank Financial Services Ltd.
5.5.3 Alwari)
5.5.5 Associates
i) Canfin Homes Ltd.
M) mai aqh oM
a)
b)
a) rx aqh oM*
c)
qWiumh mokl
`47,48,665/-
MqM
mUqM
173
Key
with
(` MUQ q)
uuUh
EkU rj uwi M oMr
uw M SUl AkMiq oMr
eqL rj uwi M oMr
uw M SUl AkMiq oMr
eqA M lrel rj uwi M oMr
uw M SUl AkMiq oMr
Aaq rj uwi M oMr
uw M SUl AkMiq oMr
luz rj uwi M oMr
uw M SUl AkMiq oMr
cs Zi q zw rj uwi M oMr
uw M SUl AkMiq oMr
Alr mmr rj uwi M oMr
uw M SUl AkMiq oMr
AiU oM mipai mqhm- eU
ML aL rj uwi M oMr
uw M SUl AkMiq oMr
AiU oM mipai mqhmmipai ML aL rj uwi M oMr
uw M SUl AkMiq oMr
Mqzl mmr rj uwi M oMr
uw M SUl AkMiq oMr
Alwar
xWo
xxjL u
xr Eq
zlr
(zlr)
zlr
(zlr)
70.90
(32.70)
73.20
(32.70)
164.94
(164.90)
175.21
(199.21)
968.81
(1840.30)
1059.57
(1921.15)
zlr
(zlr)
zlr
(zlr)
118.07
(zlr)
118.07
(zlr)
423.46
(688.38)
698.77
(784.98)
1595.99
(2098.68)
2044.66
(2133.68)
609.80
(518.13)
609.80
(518.13)
99.75
(102.57)
99.75
(102.57)
10.14
(zlr)
10.14
(zlr)
150.32
(zlr)
168.38
(zlr)
0.05
(zlr)
0.05
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
1950.00
(zlr)
1950.00
(zlr)
zlr
(zlr)
zlr
(zlr)
1950.00
(zlr)
1950.00
(zlr)
3.18
(zlr)
3.18
(zlr)
zlr
(zlr)
zlr
(zlr)
Subsidiaries Associates
& Joint
Ventures
NIL
(NIL)
NIL
(NIL)
70.90
(32.70)
73.20
(32.70)
164.94
(164.90)
175.21
(199.21)
968.81
(1840.30)
1059.57
(1921.15)
NIL
(NIL)
NIL
(NIL)
118.07
(NIL)
118.07
(NIL)
423.46
(688.38)
698.77
(784.98)
1595.99
(2098.68)
2044.66
(2133.68)
609.80
(518.13)
609.80
(518.13)
99.75
(102.57)
99.75
(102.57)
10.14
(NIL)
10.14
(NIL)
150.32
(NIL)
168.38
(NIL)
0.05
(NIL)
0.05
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
1950.00
(NIL)
1950.00
(NIL)
NIL
(NIL)
NIL
(NIL)
1950.00
(NIL)
1950.00
(NIL)
3.18
(NIL)
3.18
(NIL)
NIL
(NIL)
NIL
(NIL)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
0.04
(NIL)
0.55
(NIL)
zlr
(zlr)
zlr
(zlr)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
0.04
(NIL)
0.55
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
xjU Axir M r
zlr
(zlr)
zlr
(zlr)
NIL
(NIL)
NIL
(NIL)
xjU Axir M ur
zlr
(zlr)
zlr
(zlr)
NIL
(NIL)
NIL
(NIL)
S ore
12.49
(10.64)
159.77
(201.77)
Interest paid
12.49
(10.64)
159.77
(201.77)
mmi ore
44.24
(63.63)
191.03
(262.58)
Interest received
44.24
(63.63)
191.03
(262.58)
mmi spz
8.24
(6.24)
zlr
(zlr)
Dividend received
8.24
(6.24)
NIL
(NIL)
20.00
(zlr)
zlr
(zlr)
20.00
(NIL)
NIL
(NIL)
30.00
(zlr)
zlr
(zlr)
30.00
(NIL)
NIL
(NIL)
mS mqrq
50.68
(zlr)
zlr
(zlr)
Premium Paid
50.68
(NIL)
NIL
(NIL)
xu Emsok MUl
37.74
(28.84)
2.38
(0.82)
Rendering of Service
37.74
(28.84)
2.38
(0.82)
xuA M sL mS
21.58
(37.53)
zlr
(0.01)
21.58
(37.53)
NIL
(0.01)
zlr
(zlr)
zlr
(zlr)
Management Contracts
NIL
(NIL)
NIL
(NIL)
mokl xuSL
MM q mNs uw M AMQ SL aL W
175
5.6
5.6
5.7
2012-2013 2011-2012
A
2872.10
3282.71
44.30
44.30
B
C
44.30
44.30
64.83
10/-
74.10
10/-
D
E
5.7
Particulars
2012-2013 2011-2012
Net Profit for the year
attributable to Equity
Shareholders (` In Crore)
2872.10
3282.71
Number of Equity Shares
(In Crore)
44.30
44.30
Weighted Average
Number of Equity Shares
(In Crore)
44.30
44.30
Basic and Diluted Earnings
per Share (A/B) (`)
64.83
74.10
Nominal Value per Share (`)
10/10/Accounting Standard-22 Accounting for Taxes on
Income:
The Bank has recognized Deferred Tax Assets /
Liabilities (DTA / DTL) and has accounted for the
Net Deferred Tax as on 31.03.2013 as under:
Major components of Deferred Tax Assets and
Deferred Tax Liabilities are as under:
(` MUQ q)
Axjai MU Axir
31.03.2013
31.03.2012
277.35
270.05
54.18
36.88
331.53
306.93
Axjai MU SriL
31.03.2013
31.03.2012
656.53
562.02
1.97
8.05
658.50
570.07
(` in Crore)
Particulars
Interest accrued but not due on securities
Leave Encashment
Depreciation on Fixed Assets
Others
Deferred Tax Asset/ Liability
176
Ms
Ms
Ms
Ms
Ms
sp
me u AUi lkr
SriL
Axir
Ar
urr
31.03.2013 31.03.2013
31.03.2012 31.03.2012
oM M zrU
oM M zrU
M xqmi
M xqmi
M xqmi ai M xqmi ai
@ 40%
@ 40%
cs uw
cs uw
uw
uw
AqUM QsU
mr
mr
AqUM QsU
mr
mr
'000 q
MUQ q
MUQ q
'000 q
MUQ q
MUQ q
34961
189.79
75.91
31537
160.44
64.18
57547
312.39
124.96
46652
237.34
94.93
92508
502.18
200.87
78189
397.79
159.11
7538
41.01
16.40
5884
28.19
11.28
3429
18.65
7.46
2307
11.05
4.42
4109
22.36
8.94
3577
17.14
6.86
Commercial Bank of India LLC - Details of Assets, Liabilities, Income & Expenses
Particulars
Current
Current
Previous
Previous Banks share
share year
year ended year ended Banks
ended
year
ended
31/03/2013 31/03/2013 @ 40% 31/03/2012 31/03/2012 @ 40%
In 000 US
Dollars
` in Crore
` in Crore
In 000 US
Dollars
` in Crore
` in Crore
34961
189.79
75.91
31537
160.44
64.18
Aggregate Liabilities
57547
312.39
124.96
46652
237.34
94.93
Aggregate Assets
92508
502.18
200.87
78189
397.79
159.11
Aggregate Income
7538
41.01
16.40
5884
28.19
11.28
Aggregate Expenditure
3429
18.65
7.46
2307
11.05
4.42
Profit
4109
22.36
8.94
3577
17.14
6.86
177
(` MUQ q)
umx /
01.04.2012 M
uw M SUl
31.03.2013 M
xqrei ML
mUp
olL aL mukl
xqml
ar mukl
---93.00
---93.00
uuUh
AMxqM SriA M sL mukl M csl
Particulars
Movement of Provision for Contingent Liabilities
----
93.00
Provision
reversed /
adjusted
Closing as on
31.03.2013
----
93.00
6. AiU mMOMUh
6. Additional Disclosures
uuUh
luz qsrx / Ll m
AD M sL mukl
AleM Axir M sL
mukl
qlM mUxmr M sL
mukl
MU M sL mukl (Axjai MU Sri xWi)
Alr mukl u AMxqM
SriL (lus)
Ms
31.03.2013
(371.31)
153.87
1860.99
1294.06
255.61
171.06
800.00
800.00
472.62
241.46
3017.91
2660.45
31.03.2013
(` MUQ q)
31.03.2012
Particulars
31.03.2012
Provision for
Depreciation on
Investment and NPI
Provision towards NPA
Provision towards
Standard Asset
Provision for Tax
(includes deferred tax
liability )
Other Provision and
Contingencies -Net
TOTAL
31.03.2013
31.03.2012
(371.31)
153.87
1860.99
1294.06
255.61
171.06
800.00
800.00
472.62
241.46
3017.91
2660.45
31.03.2013
NIL
NIL
(` in Crore)
31.03.2012
NIL
NIL
mUpM zw
uw M SUl xukl
zlr
zlr
zlr
zlr
uw M SUl AWUi Uz
zlr
zlr
Ci zw
zlr
zlr
Particulars
Opening Balance
Addition during the year
Draw down during the
year.
Closing Balance
178
NIL
NIL
NIL
NIL
M) aWM zMri
A. Customer Complaints
x. uuUh
uw
M
Z) uw
M
a) uw
M
b) uw
M
M)
Z)
Sl.No. Particulars
207
(a)
207
5075
(b)
5075
5175
(c)
Number of complaints
during the year
redressed
5175
107
(d)
107
x. uuUh
M)
Sl.No. Particulars
3
(a)
37
(b)
37
38
(c)
38
(d)
179
ur mpu:
pu:
uiql q r L D M xOs oM (milk Mrsr, zUeW M
sL ) ij Sh ATM Ueu oM (Zsl oM W) M eU
Mr ar cMi Axl m mU MD ur mpu lW W|
x.
Ar M mMU
eul oq msxr M
ur
aU-eul oq msxr
M ur
qrcAs TQ EimS M
ur
Alr (Dxex)
Ms
Financial Impact:
Presently, there is no such financial impact on LOCs issued
favoring Central Bank of UAE (for Sharjah Representative
Office) & South African Reserve Bank (as branch is yet
to open).
(` MUQ q)
31.03.2013 31.03.2012
(` in Crore)
25.90
Sl.
No.
21.91
11.92
10.75
Nature of Income
31.03.2013 31.03.2012
25.90
21.91
11.92
10.75
4.95
3.32
0.03
42.77
36.01
4.95
3.32
0.03
42.77
36.01
Other (ECGC)
TOTAL
(` MUQ q)
58464.15
Total Deposits of twenty largest depositors
16.43%
58464.15
16.43%
180
34860.09
14.39%
6.8.3
54128.09
oM M Ms luz q x ox oQ EkUMiA/
aWM M luz M mizi
6.8.4 Ll m L M MSMUh:
10.70%
(` MUQ q)
1188.16
6.9 - uU Ll m L
x.
1
3
4
Mw u xo r
Msm
Ea
(xq u sb, qkrq
u oQ)
xuL
le Gh
6.10
Ll m L M AiUh:
Concentration of Exposures:
(` MUQ q)
2.17
Uz
1188.16
Sector-wise NPAs
Sector
3
4
(` MUQ q)
10.70%
(` in Crore)
1.96
6.93
1.88
(` in Crore)
54128.09
Concentration of NPAs:
Sl.
No.
6.10
Percentage of NPAs to
Total Advances in that
sector
2.17
1.96
6.93
1.88
Movement of NPAs
(` in Crore)
Particulars
Amount
st
4031.75
5819.3
9851.05
bOL :
(i) Ail
6.8.4
6.9
Ex q Ms
Aaq q x Ll m L M
mizi
uuUh
4031.75
5819.3
9851.05
Less:851.64
(i) Upgradations
851.64
1203.99
(iii) o Zi
1535.26
(iii) Write-offs
1535.26
Em Ms (Z)
3590.89
Sub-total (B)
3590.89
rj 31 qc 2013 iM xMs Ll m L
(xqml zw) (M-Z)
6260.16
6260.16
181
(` MUQ q)
uuUh
Uz
Ms Axir
Particulars
25349.40
Amount
Total Assets
25349.40
Ms Ll m L : xMs
lus
473.83
299.36
473.83
299.36
Ms Uexu
637.10
Total Revenue
637.10
6.12
mrei Lx m u M lq
bUs
xqSmUr
Domestic
Overseas
zlr
zlr
NIL
NIL
182
6.14
(` MUQ q)
x. uuUh
1.
2.
3.
4.
6.14.
Sl.
No.
1.
2.
3.
xZr / Uz
zlr
(` in Crore)
No./
Amount
183
NIL
6.15
7.
7.
u xMqU
qQs mokM
Ll xuzMUl
Em qW mokM
M qhq
qW mokM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
xk Mwhl
lSzM
ql WqcS
lSzM
e u qhqUl
lSzM
e u xozu Uu
lSzM
xil xlW
lSzM
xls ami
lSzM
Mi
uMOcsq ArrU LhQ M
xlS sZMU
Mi
Lx m c
cmQ LhQ M
xlS sZMU
Mi
sMU LhQ M
xlS sZMU
Mi
m cmQ LhQ M
xlS sZMU
Mi
L AU Sx LhQ LxxLOx
xlS sZMU
Q Ll pau
xfSU
L amsMwhl
xfSU
xeu ami
xfSU
Lx x sMU
xfSU
oasU
02 qD, 2013
V SUKUMAR
DIVISIONAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
R K DUBEY
SUDHA KRISHNAN
CHAIRMAN & MANAGING
DIRECTOR
DIRECTOR
KHALID LUQMAN BILGRAMI
DIRECTOR
K MANICKAM
GENERAL MANAGER
V S KRISHNAKUMAR
EXECUTIVE DIRECTOR
MEENA HEMCHANDRA
DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUTANU SINHA
DIRECTOR
SUNIL GUPTA
DIRECTOR
A GOPALAKRISHNAN
Partner
SANJIV GUPTA
Partner
S C LOONKER
Partner
BANGALORE
MAY 02,2013
184
For
P CHOPRA & Co.
Chartered Accountants
For
A R DAS & ASSOCIATES
Chartered Accountants
xip 3 (oxs II
II)) mMOl
ahiqM mMOl:
Qualitative Disclosures:
M. oM M lq exM sL rW Rc sa W: MlU oM
185
c.
mUqhiqM mMO
Ol:
a) xp Alwar q me Amrmii M xqa Uz ex
xqMl q xqqsi lW M ar W Aji elM MOi
WD W AU El Alwar M lq
Quantitative Disclosures:
(d) The aggregate amount of capital deficiencies in all
subsidiaries not included in the consolidation i.e. that
are deducted and the name(s) of such subsidiaries
zlr
NIL
b) oq lMr q oM M Ms Wi M xqa Uz
(ESWUh : cs oW qsr), e eZq pUi W, ElM
lq, eW laqi Mr ar W, Ex Sz M lq r lux,
xuqiu Wi M Almi AU rS p W i Cl lMr
q qiSl z M Almi |
1. lq: MlU LcLxox Aox eul oq Mml sqOQ
1)
2)
3)
Qualitative Disclosures:
Our Banks Tier I Capital comprises of Equity Shares,
Reserves and Innovative Perpetual Bonds.
eU ij
xii u qa
uMsm
Mml SU
` MUQ q
Zs I
pUi q
30.03.2009
30.03.2019
9.00%
240.30
Zs II
pUi q
21.08.2009
21.08.2019
9.10%
600.00
Zs III
pUi q
03.08.2010
03.08.2020
9.05%
749.30
Ms
1589.60
uuUh
186
Date of Issue
Coupon Rate
` in crore
Series I
In India
30.03.2009
30.03.2019
9.00%
240.30
Series II
In India
21.08.2009
21.08.2019
9.10%
600.00
Series III
In India
03.08.2010
03.08.2020
9.05%
749.30
TOTAL
1589.60
Particulars
Z) EiU OrU II oQ
uuUh
eU ij
mUmYui ij
Mml SU
Zs I
Zs II
xjl
pUi q
pUi q
16.09.2006
23.03.2007
16.09.2021
23.03.2022
9.00%
10.00%
` MUQ q
500.00
500.00
Zs III
pUi q
29.09.2010
28.09.2025
8.62%
1000.00
Ms
2000.00
250 q. rLx
QsU
uSz qS oQ
pUi x oWU
27.11.2006
Place
Date of Issue
Series I
Series II
In India
In India
Series III
In India
27.11.2016
6.365%
Coupon
Rate
9.00%
10.00%
`. in crore
16.09.2006
23.03.2007
Date of
Maturity
16.09.2021
23.03.2022
29.09.2010
28.09.2025
8.62%
1000.00
2000.00
250mn US $
` MUQ q
75.45
263.50
500.00
500.00
425.00
575.00
400.00
700.00
325.00
3763.95
FC BONDS
a) lqliU OrU II oQ
uuUh
Zs IV uMsm II
Zs VI
Zs VII
Zs VIII
Zs IX
Zs IX M
Zs X
Zs XI
Zs XII
27.11.2006
27.11.2016
Ms
6.365%
xjl
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
eU ij
mUmYui ij
Mml SU
22.03.2003
30.09.2004
18.02.2005
29.09.2005
01.03.2006
15.09.2006
30.03.2007
09.01.2008
16.01.2009
22.04.2013
31.05.2014
18.05.2014
29.04.2015
01.05.2015
15.09.2016
30.03.2017
09.01.2018
16.01.2019
6.90%
6.75%
7.05%
7.40%
8.15%
8.85%
9.90%
9.00%
8.08%
Ms
187
500.00
500.00
Place
Date of Issue
In India
In India
In India
In India
In India
In India
In India
In India
In India
22.03.2003
30.09.2004
18.02.2005
29.09.2005
01.03.2006
15.09.2006
30.03.2007
09.01.2008
16.01.2009
Date of
Maturity
22.04.2013
31.05.2014
18.05.2014
29.04.2015
01.05.2015
15.09.2016
30.03.2017
09.01.2018
16.01.2019
Coupon
Rate
6.90%
6.75%
7.05%
7.40%
8.15%
8.85%
9.90%
9.00%
8.08%
Total
`. in crore
75.45
263.50
500.00
500.00
425.00
575.00
400.00
700.00
325.00
3763.95
oM cs u uw M SUl
M W |
The Bank has not issued any IPDI during the current
financial year.
MD ADmQAD eU lW
Cl sZi M xs U (x AU AD Lx AD Ls)
LLL (xjU) AU oMuM UOa U "oQosrAU LLL"
UOa Sr ar W |
ore xci lW Wa |
The Bank has the call option after 10 years from the
date of issue with the prior approval of Reserve Bank
of India.
188
The debt instruments shall be subjected to a lockin clause, in terms of which, the Bank shall not be
liable to pay interest, if (a) the Banks CRAR is below
the minimum regulatory requirement prescribed
by RBI or (b) the impact of such payment results
in Banks capital to risk assets ratios (CRAR) falling
below or remaining below the minimum regulatory
requirement prescribed by the RBI.
The Bank has not issued Upper Tier II Bond during the
current financial year.
The important features of these debt instruments are:
Cl Gh sZi M xs U L L L (xjU) AU oM
uM UOa U oQosrAU L L L UOa Sr ar W|
The Bank has Call Option after 10 years from the date
of issue with the RBIs approval.
189
The debt instruments shall be subjected to a lockin clause, in terms of which, the Bank shall not be
liable to pay interest, if (a) the Banks CRAR is below
the minimum regulatory requirement prescribed
by RBI or (b) the impact of such payment results
in Banks capital to risk assets ratios (CRAR) falling
below or remaining below the minimum regulatory
requirement prescribed by the RBI.
The Bank has not issued Lower Tier II Bonds during the
current financial year.
Cl oQ M Auk 5 x 10 uw M W |
190
mUqhiqM mMOl:
qM
(M)
Uz (`
(` MUQ q)
qS
31.03.2013
mS zrU me
443.00
443.00
AUi lkr
22097.25
20104.15
1589.60
1589.60
Alr me sZi
24129.85
22136.75
353.65
307.82
23776.20
21828.93
6387.99
7178.84
3357.16
2918.86
zlr
zlr
2414.29
2918.86
3763.95
4103.95
1992.70
2680.49
30164.19
29007.77
Em eQ
Ms OrU I me
(Z)
(a)
(b)
31.03.2012
Ms oMr Uz
me lkr M m q ahl M sL m Uz
Ms oMr Uz
me lkr M m q ahl M sL m Uz
(X)
(c)
Ms m me - OrU I + OrU II (M + Z - X)
191
Quantitative Disclosures:
Sl.
No.
Amount (` in crores)
Items
31.03.2013
31.03.2012
443.00
443.00
22097.25
20104.15
1589.60
1589.60
24129.85
22136.75
353.65
307.82
23776.20
21828.93
6387.99
7178.84
3357.16
2918.86
Nil
Nil
2414.29
2918.86
3763.95
4103.95
1992.70
2680.49
30164.19
29007.77
Reserves
Sub -total
Less amounts deducted from Tier I Capital, including Goodwill and Investments.
Total Tier I capital
(b) The total amount of Tier II Capital (net of deductions from Tier II Capital)
(c) Debt Capital Instruments eligible for inclusion in Upper Tier II Capital
Total amount outstanding
($) Innovative Perpetual Debt Instruments and any other type of instruments that may be allowed from time to time.
ahiqM mMOl:
me M CiqMUh mU W lW osM sp M AkMiqMUh
mU p krl MSi MUi WL oM l LM iaQ eZq mokl
Ucl xxjU Mrq M W iM Emsok me M xWU AkMiq
sp r miTs Emsok W | oM oxs II Rc M Alm,
u pU q xuMi Px eZq mokl mi M qlM ql
UW W exx xi M AkM MUaU CYuOr Lu uuMmh
AoOl W |
QUALITATIVE DISCLOSURES:
oM M me Arel mr q lql M xq M ei W:
oM M uiql me AuzrMi
192
mUqhiqM mMOl:
qM
(M)
Uz (`
( MUQ q)
qS
31.03.2013
Gh eZq M sL me AuzrMiL
qlMMi SMh M Akl xupa
18557.45
16623.40
zlr
zlr
1462.58
778.33
38.61
6.75
436.15
368.86
1406.52
1201.45
12.40
13.76
9.77
10.35
12.61
14.02*
9.99
10.63*
Ms xAULAU (%)
sa lW
sa lW
sa lW
sa lW
mipiMUh Gh eZq
(Z)
(a)
(b)
oM M sL Ms u OrU I xAULAU
Ms xAULAU (%)
OrU I xAULAU (%)
(X)
(f)
31.03.2012
*mlxqWi AMQ
193
Quantitative Disclosures:
Sl.
No.
(a)
Amount (` in crores)
Items
31.03.2013
31.03.2012
18557.45
16623.40
NIL
NIL
1462.58
778.33
38.61
6.75
436.15
368.86
1406.52
1201.45
12.40
13.76
9.77
10.35
12.61
14.02*
9.99
10.63*
NA
NA
NA
NA
Securitization Exposures
(b) Capital requirements for Market Risk - Standardized Duration Approach
Interest Rate Risk
Foreign Exchange Risk (including Gold)
Equity Risk
(c) Capital requirements for Operational Risk
- Basic Indicator Approach
(d) Total & Tier I CRAR for the Bank
(f) Total & Tier I CRAR for the Significant Subsidiary which are not under Consolidated
Group
*Figures regrouped.
194
Uhlir AU mrr:
Gh eZq mokl M Emr Ezr M xMU MUl M sL oM
Gh eZq M mWcl, qml, xua Lu xqrl iMlMr,
Almuil AU UmOa, eZq lrh / mzql iMlMr ij
xqxrqsM Gh / EkU M mokl M sL AlMlM mir
lkUi MUi W| oM l si oeU, eZq xuMri qlM,
Gh AlqSl mkMU AU Gh urim / AlUh mrA M
p mUpwi Mr W|
Cl Uhlir M Gh eZq mzql M sL up Emr M S
q UZMU mri Mr ar W elq qWiumh ij si
oeU M mWcl, ulriqM qaSz xi AU eZq
xpsl q oM M qi, xMSM eZq AU UOa M AkU
mU qsrl M xuMr xiU xqWi W |
195
lSzM qQs
Board of Directors
196
197
198
Monitoring tools like Credit Monitoring Format (webbased), Quarterly Information Systems, Half Yearly
Operation Systems, Stock Audits, Special Watch List
Accounts, etc.
r ML aL AU plr ar os M qqs q e os 90
Sl x AkM M Auk M sL AiSr W |
199
mUqhiqM mMOl:
(M) Ms xMs Gh eZq
(Uz ` MUQ q)
lk AkUi Gh eZq
xqa Gh eZq
aU - lk AkUi
Gh eZq
31.03.2013
31.03.2012
31.03.2013
31.03.2012
243935.83
233606.79
244969.69
188245.55
Quantitative Disclosures:
(a) Total Gross Credit Exposures
Amount (` in crores)
Fund Based Exposures
31.03.2013
31.03.2012
31.03.2013
31.03.2012
243935.83
233606.79
244969.69
188245.55
(Uz ` MUQ q)
Gh eZq
lk AkUi
31.03.2013
Sz mUcsl
uSz mUcsl
31.03.2012
aU - lk AkUi
31.03.2013
31.03.2012
228718.72
222494.35
238054.16
181152.77
15217.11
11112.44
6915.53
7092.77
FUND BASED
31.03.2013
31.03.2012
NON-FUND BASED
31.03.2013
31.03.2012
Domestic operations
228718.72
222494.35
238054.16
181152.77
Overseas operations
15217.11
11112.44
6915.53
7092.77
200
Ea
1.5
1.6
1.7
Zll AU EiZll
Z mxxMUh
1.2.1 cl
1.2.2 Z is AU ulxmi
1.2.3 cr
1.2.4 Alr
mr u ioM
ux
1.4.1 Fl ux
1.4.2 eO ux
1.4.3 Alr ux
cqQ u cqQ EimS
sMQ AU sMQ EimS
Mae u Mae M EimS
1.8
1.9
1.1
1.2
1.3
1.4
lk AkUi oMr
31.03.2013
31.03.2012
2298
1414
5724
4782
2016
1650
206
176
132
190
3370
2766
697
562
12396
11155
5203
4482
137
148
7057
6525
978
958
388
300
2068
1815
4428
7128
(` MUQ q)
Ll LT o oMr
31.03.2013
31.03.2012
471
325
350
148
52
24
37
34
65
0
196
90
22
23
1492
846
264
69
10
5
1218
772
69
19
112
91
47
90
2119
1961
4064
2948
530
2008
289
196
69
37
1661
1442
194
1801
1.10
1.11
1.9.3 mO MqMsx
1.9.4 Alr
UoQ, msxOM u ElM EimS
zz AU zz M xql
471
1642
1330
119
81
1229
1294
101
28
239
143
3
18
152
111
3
1.12
953
939
122
30
1.13
qs ki AU ki EimS
18388
15598
3731
2644
1.13.1 sW AU Cxmi
11975
9517
2816
1641
1.9.1 EuUM
6413
6081
915
1003
1.14
xp CelrUa
1.14.1 CsYOlM
1.14.2 oes
1.14.3 Alr
6448
1028
1630
3791
7390
685
3285
3420
5282
1005
1946
2331
5123
955
2192
1976
1.15
3220
2003
567
174
1.16
1.17
1.18
U AU Apwh
lqh
AkUpi xUcl
1.18.1 Fe
1.18.2 SUxcU
1.18.3 xQM
1.18.4 ml
1.18.5 Alr AkUpi xUcl
Alr Ea
2964
4563
50462
31270
8004
6074
716
4399
21668
2417
3884
40757
22788
7297
5354
1374
3944
38202
1198
4117
3982
3469
312
157
5
39
717
2527
2138
5021
3937
668
194
80
142
142
143155
143647
25074
24322
1.19
201
1.3
1.4
1.5
1.6
1.7
1.8
1.9
INDUSTRY
Mining and Quarrying
Food Processing
1.2.1 Sugar
1.2.2 Edible Oils and Vanaspati
1.2.3 Tea
1.2.4 Others
Beverage & Tobacco
Textiles
2.4.1 Cotton Textiles
2.4.2 Jute Textiles
2.4.3 Other Textiles
Leather & Leather Products
Wood and Wood Products
Paper & Paper Products
Petroleum, Coal Products and Nuclear
Fuels
Chemicals and Chemical Products
1.9.1 Fertilizer
2948
(` in crores)
NFB OUTSTANDING
31.03.2013
31.03.2012
471
325
350
148
52
24
37
34
65
0
196
90
22
23
1492
846
264
69
10
5
1218
772
69
19
112
91
47
90
2119
1961
530
2008
289
196
69
37
1661
1442
194
1801
1.10
1.11
471
1642
1330
119
81
1229
1294
101
28
239
143
3
18
152
111
3
1.12
953
939
122
30
1.13
18388
15598
3731
2644
11975
9517
2816
1641
6413
6081
915
1003
All Engineering
1.14.1 Electronics
1.14.2 Electricity
1.14.3 Others
Vehicles, Vehicle Parts and Transport
Equipments
Gems & Jewellery
Construction
Infrastructure
1.18.1 Power
1.18.2 Telecommunications
1.18.3 Roads
1.18.4 Ports
1.18.5 Other Infrastructure
Other Industries
INDUSTRY (Total of Small, Medium and
Large Scale)
6448
1028
1630
3791
7390
685
3285
3420
5282
1005
1946
2331
5123
955
2192
1976
3220
2003
567
174
2964
4563
50462
31270
8004
6074
716
4399
21668
2417
3884
40757
22788
7297
5354
1374
3944
38202
1198
4117
3982
3469
312
157
5
39
717
2527
2138
5021
3937
668
194
80
142
142
143155
143647
25074
24322
1.14
1.15
1.16
1.17
1.18
1.19
202
Alr Ea
22384
9.18%
Credit Exposure of industries where outstanding exposure is more than 5% of the Total Gross Credit Exposure of the
Bank is as follows:
Sl.
No.
Total Exposure
(`. in Crores)
Industry
14791
6.06%
Power
34739
14.24%
Other Industries
22384
9.18%
Aaq
luz
uSz qS Axi
0 x 1 Sl
5408.33
(8634.02)
306.94
(350.60)
842.73
(772.15)
2 x 7 Sl
6689.13
(7488.81)
873.88
(3058.59)
1643.77
(1505.11)
8 x 14 Sl
7203.89
(7209.16)
528.41
(910.01)
1208.98
(542.31)
15 x 28 Sl
9021.95
(7027.99)
2072.29
(1967.46)
2304.91
(876.17)
29 Sl x 3 qWl iM
22667.97
(26996.74)
8987.10
(6485.29)
6722.40
(5994.81)
20393.30
(21003.96)
1557.68
(983.46)
5074.75
(4447.25)
6 qWl x AkM u 1 xs iM
39728.83
(32222.77)
1613.55
(1550.50)
2793.29
(911.19)
1 xs x AkM u 3 xs iM
65415.73
(57403.00)
7672.61
(3715.24)
1380.99
(1175.59)
3 xs x AkM u 5 xs iM
23289.20
(24790.81)
18699.15
(12838.05)
1565.29
(1143.07)
5 xs x AkM
42358.28
(39712.56)
78821.22
(70198.22)
1812.29
(1954.50)
242176.62
(232489.82)
121132.83
(102057.42)
25349.40
(19322.15)
Ms
(mirM AMQ M lc MM q mNs xs M AMQ Sr W)
203
(`. in Crores)
Advances
Investments
Foreign
Currency Assets
0 to 1 day
5408.33
(8634.02)
306.94
(350.60)
842.73
(772.15)
2 to 7 days
6689.13
(7488.81)
873.88
(3058.59)
1643.77
(1505.11)
8 to 14 days
7203.89
(7209.16)
528.41
(910.01)
1208.98
(542.31)
15 to 28 days
9021.95
(7027.99)
2072.29
(1967.46)
2304.91
(876.17)
29 days to 3 months
22667.97
(26996.74)
8987.10
(6485.29)
6722.40
(5994.81)
20393.30
(21003.96)
1557.68
(983.46)
5074.75
(4447.25)
39728.83
(32222.77)
1613.55
(1550.50)
2793.29
(911.19)
65415.73
(57403.00)
7672.61
(3715.24)
1380.99
(1175.59)
23289.20
(24790.81)
18699.15
(12838.05)
1565.29
(1143.07)
Over 5 years
42358.28
(39712.56)
78821.22
(70198.22)
1812.29
(1954.50)
242176.62
(232489.82)
121132.83
(102057.42)
25349.40
(19322.15)
Total
(The figures in brackets relate to previous year).
204
(` MUQ q)
qM
qS
31.03.2013
31.03.2012
xMs Ll m L
6260.17
4031.75
AuqlM
4278.71
2444.91
xSak 1
782.85
583.34
xSak 2
575.20
903.17
xSak 3
573.58
52.36
49.83
47.97
5278.07
3386.31
2.57
1.73
2.18
1.46
mUpM zw
4031.75
3137.36
xukl
5819.30
4589.84
Mq
3590.89
3695.45
Ci zw
6260.16
4031.75
598.56
756.03
8.67
8.28
uw M SUl ML aL mukl
1860.99
1294.06
1535.26
1459.81
Ci zw
932.96
598.56
c)
225.76
179.95
N)
201.26
179.95
e)
383.58
25.77
325.07
0.00
0.00
437.96
78.75
Ci zw
217.71
629.90
M)
Wl
Z)
lus Ll m L
a)
Ll m L Almi
b)
X)
Ll m L M EiU-cRu (xMs)
mUpM zw
Auk M SUl Mr ar mukl
o Zi q Qsl
**
(*)qsrx M sL mukl - `2.81 MUQ (mNs uw `300.49 MUQ), LlmAD M sL mukl - `11.18 MUQ (mNs uw `16.88
MUQ) AU qS AxjUi - `11.78 MUQ (mNs uw `7.70 MUQ)
(**) `423.03 MUQ (mNs uw `44.70 MUQ) M qsrx, `14.93 MUQ (mNs uw `34.05 MUQ) M LlmAD M sL AkM
mukl M misZl|
205
`. in Crores
Items
31.03.2013
31.03.2012
6260.17
4031.75
4278.71
2444.91
Doubtful 1
782.85
583.34
Doubtful 2
575.20
903.17
Doubtful 3
573.58
52.36
49.83
47.97
5278.07
3386.31
2.57
1.73
2.18
1.46
Opening balance
4031.75
3137.36
Additions
5819.30
4589.84
Reductions
3590.89
3695.45
Closing Balance
6260.16
4031.75
598.56
756.03
8.67
8.28
1860.99
1294.06
1535.26
1459.81
Closing Balance
932.96
598.56
225.76
179.95
201.26
179.95
629.90
383.58
25.77
325.07
0.00
0.00
437.96
78.75
Closing Balance
217.71
629.90
a) Gross NPAs
Sub-Standard
Loss
b) Net NPAs
c) NPA Ratios
f)
(*)Provision for Depreciation of `2.81Crore (Previous Year - `300.49 Crore), Provision for NPI of `11.18 Crore (Previous
Year - `16.88 Crore), Exchange Fluctuation of `11.78 Crore (Previous Year - `7.70 Crore)
(**)Write back of excess provision for Depreciation of `423.03 Crore (Previous Year - `44.70 Crore), Provision for NPI of
`14.93 Crore (Previous Year - `34.05 Crore).
206
mMOl mm is
isM
M 5 - qlMMi SMh
M Akl xupa
upa M mMOMUh:
ahiqM mMOl:
Qualitative Disclosures:
oM U LM W EkUMi M Mx LM Gh eZq M
sL LM DxLAD M AU SxU Gh eZq M sL SxU
DxLAD M mra lW Mr ei, eo iM M xoki Gh
eZq M UOa Mx LM clS DxLAD U W Mr ar
W | Aa, Mx MmUO xqW M piU mirM xxj M sL
lkUi UOa M, Ex xqW M Mx Alr xxj M eZq
pU M lkUh M sL oM mra lW MUi W |
207
mUqhiqM mMOl:
mqZ eZq q oM M oMr Uz (lkUi u AlkUi)eZq mzqM (Aji xmM) M Mq MUl M mi
qlMMi SMh M Aiai:
Quantitative Disclosures:
Amount of the Banks Exposures - Gross Advances
(Rated & Unrated) in Major Risk Buckets - under
Standardized Approach, after factoring Risk
Mitigants (i.e. Collaterals):
(` MUQ q)
uuUh
qM
1
2
3
4
100% x Mq eZq pU
100% eZq pU
100% x erS eZq pU
Mq Mr ar (eZq mzqM)
Ms
lk AkUi
Uz
aU-lk AkUi
31.03.2013
31.03.2012
31.03.2013
31.03.2012
121739.85
84082.18
38113.80
59319.48
184616.34
129132.18
77992.67
26841.94
43450.90
190155.89
57314.84
51713.19
18940.82
3614.32
124354.53
74597.80
43818.80
10436.98
3284.00
125569.58
(` in crores)
Sl.
No.
1
2
3
4
Particulars
Below 100% Risk Weight
100% Risk Weight
More than 100% Risk Weight
Deducted (Risk Mitigants)
TOTAL
Amount
FUND BASED
NON-FUND BASED
31.03.2013
31.03.2012
31.03.2013
31.03.2012
121739.85
129132.18
57314.84
74597.80
84082.18
77992.67
51713.19
43818.80
38113.80
26841.94
18940.82
10436.98
59319.48
43450.90
3614.32
3284.00
184616.34
190155.89
124354.53
125569.58
mUMOl mm i
isM
sM 6: Gh eZq Mq
MUl - qlMMi S
SMh:
ahiqM mMO
MOl:
Qualitative Disclosure:
Policies and processes for collateral valuation and
management: The Bank is having a Board approved
208
cM Wl mU cMi M xi mU lrh ml |
209
uuUh
(` MUQ q)
Uz
31.03.2013
31.03.2012
34284.19
24297.54
28649.62
22437.37
mMOl mm isM
isM 7: mipiMUh qlMMi SMh:
ahiqM mMOl:
u uw 2012-2013 M SUl oM l Mx mMU M Gh eZq
M mipiMUh lW Mr W|
SL.
PARTICULARS
NO.
1 The
total
exposure
(after, where applicable,
on- or off balance sheet
netting) that is covered
by
eligible
financial
collateral
after
the
application of haircuts for
each separately disclosed
credit risk portfolio.
2 The
total
exposure
(after, where applicable,
on- or off-balance sheet
netting) that is covered
by
guarantees/credit
derivatives
(whenever
specifically permitted by
RBI) For each separately
disclosed portfolio
(` in crores)
AMOUNT
31.03.2013 31.03.2012
34284.19
24297.54
28649.62
22437.37
DF TABLE 7: SECURITIZATION
STANDARDIZED APPROACH
Qualitative Disclosures:
The Bank has not securitized any exposure during the
financial year 2012-2013.
210
mUqhiqM mMOl:
Quantitative Disclosures:
oMa oW
qM
BANKING BOOK
urmU oW
qM
uuUh
uuUh
31.03.2013
zlr
31.03.2013
zlr
31.03.2012
Sl. No.
Particulars
TRADING BOOK
Sl. No.
Particulars
31.03.2012
mMOl mm
isM 8 - urmUM oW
Zi q oeU eZq - qlMMi Azki
AukM S
SMh:
ahiqM mMOMUh:
Uhlir Lu mrL: oeU eZq mokl M urmM Ezr
oM M mira qiA M oRi WL ij xp mMU M oeU
eZq bOlA q Mq MUi WL oM M zrUkUM M qsr q
xu Se MUl W |
Cx mr M Ezr W M
oeU eZq aiukr x lmOl M sL LM mLYOu
oeU eZq mokl M MUmUO xxMi xjmi MUl |
31.03.2013
NIL
31.03.2012
31.03.2013
NIL
31.03.2012
During the year 2004-05, the Bank had sold 6 NPA accounts
amounting to `.14.31 crore to Asset Reconstruction
Company India Limited (ARCIL) and had received Security
Receipts for `.14.31 crore. As on 31.03.2013 the Bank
holds Security Receipts in respect of 4 accounts having
a Book Value of ` 5.76 crore which is fully provided for.
risk
Risk
are
and
211
lSzM qQs
Board of Directors
Department,
Risk
212
mUqhiqM mMOMUh:
Quantitative disclosures:
qM
uuUh
(M)
(Z)
ore SU eZq
DYuO xji xok
eZq
uSz ulqr eZq
(a)
(` MUQ q)
me AuzrMi
M Uz
31.03.2013 31.03.2012
1462.58
778.33
436.15
368.86
38.61
6.75
mMOl mm
isM 9: mUcsliqM
eZq:
Sl.
No.
Particulars
(` in crores)
Amount of capital
requirement
31.03.2013 31.03.2012
1462.58
778.33
436.15
368.86
38.61
6.75
ahiqM mMOMUh:
Uhlir AU mrL: oM M mUcsliqM eZq mokl
mr M mN LM qeoi xaPliqM xxMi AU xSR
mUcsliqM Mrukr W elq MmUO qsr, SMh,
213
QUALITATIVE DISCLOSURES:
Strategies and processes: The Operational Risk
Management process of the Bank is driven by a strong
organizational culture and sound operating procedures,
lSzM qQs
mUqhiqM mMOMUh:
Quantitative Disclosure:
The capital requirement for Operational Risk under Basic
Indicator Approach is `1406.52 Crores.
214
mMOl mm isM
isM 10: oMa oW q ore
SU eZq
Zq
ahiqM mMOMUh:
Qualitative Disclosures:
Interest Rate Risk in Banking Book (IRRBB)
Interest rate risk is the risk where changes in market
interest rates affect a banks financial position. As the
bank holds rate sensitive on and off balance-sheets items
of different maturity/repricing, currencies, markets and
benchmark rates, and any adverse movement in these
parameters exposes the bank to interest rate risk. Interest
Rate Risk in Banking Book (IRRBB) reveals the impact on
banks earnings (short-term impact) and networth (longterm impact) due to adverse movement of interest rates.
215
Organizational Structure
Asset Liability Management Committee (ALCO) of the
Bank is responsible for developing and implementing
interest rate risk management strategy, managing
interest rate risk in different currencies, across borders
and across business lines and legal entities as per the
risk tolerance established by the Board of Directors/
Risk Management Committee. The ALCO also articulates
the interest rate view of the bank and base its decisions
for future business strategy. In respect of the funding
policy, its responsibility is to decide on source and mix
of liabilities for creation of assets. ALCO monitors the
various limits established by the Board for interest rate
risk and takes corrective action if there is any breach in
the limit.
Strategies and Processes
The bank strives to match the price of its assets and
liabilities coupled with proper maturity matching inorder to reduce the gap in different time buckets which
are maturing or getting repriced. For measurement and
management of interest rate risk, the bank adopts both
the Traditional Gap Analysis (TGA) and the Duration Gap
Analysis (DGA) to its global position of assets, liabilities
and off-balance sheet items, which are rate sensitive.
The bank computes its interest rate risk position in
each currency applying the TGA and DGA to the rate
sensitive assets/ liabilities/ off balance sheet items in
that currency, where either the assets, or liabilities are 5
per cent or more of the total of either the Banks global
assets or global liabilities. The interest rate risk position
in all other residual currencies is computed separately on
an aggregate basis.
The interest rate risk arises on account of re-pricing,
yield curve change, basis risk and options risk. The Bank
aims at capturing these risks arising from the maturity
and re-pricing mismatches and is measured both from
the earnings and economic value perspective using
techniques viz.,
mUqhiqM mMOMUh:
eZq mU Ar-Ael
lql xUh rj 31.03.2013 M oM M lus ore Ar mU
ore SU q 100 AkU oSA M xqliU oSsu x, up
qSA q LM xs iM WL mpu M mxii MUi W |
Quantitative Disclosures:
qSL
AD Ll AU
r Lx QsU
Alr
Ms
(` MUQ q)
1 uw iM ore SU q mUuil
- 100 AkU oSL + 100 AkU oSL
(499.29)
499.29
(32.51)
32.51
(11.06)
11.06
(542.86)
542.86
-200
AkU oSL
+200
AkU oSL
5.52%
(5.52%)
EARNINGS AT RISK
The following table presents the impact on net interest
income of the Bank for an assumed parallel shift of
100 bps in interest rate up to one year across currencies
as at 31.03.2013.
(`. in crore)
Currencies
INR
USD
Others
Total
216
-200 bps
+200 bps
5.52%
(5.52%)
217
3282.71
800.00
189.69
15.06
2222.45
255.61
730.56
130.07
0.92
800.00
156.89
22.15
1531.06
171.06
737.64
12.50
-1.00
-56.57
-111.68
-390.22
3897.56
145.83
3464.45
-18608.57
-11887.62
5097.98
28802.26
-1779.72
-18631.18
-22691.86
1513.75
33617.09
312.02
1248.66
2872.99
-1100.00
-299.19
-6179.38
-1400.00
8542.65
-832.22
56.57
-91.67
111.68
-51.00
-227.69
-262.79
-202.24
-141.56
-674.00
0.00
0.00
-730.57
0.00
-567.30
0.00
0.00
-737.64
0.00
31.03.2013
15405.93
19308.77
31.03.2012
17795.14
10384.27
34714.70
28179.41
u xMqU
qQs mokM
Ll xuzMUl
Em qW mokM
M qhq
qW mokM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
xk Mwhl
lSzM
ql WqcS
lSzM
e u qhqUl
lSzM
e u xozu Uu
lSzM
xil xlW
lSzM
xls ami
lSzM
Mi
uMOcsq ArrU LhQ M
xlS sZMU
Mi
Lx m c
cmQ LhQ M
xlS sZMU
Mi
sMU LhQ M
xlS sZMU
Mi
m cmQ LhQ M
xlS sZMU
Mi
L AU Sx LhQ LxxLOx
xlS sZMU
Q Ll pau
xfSU
L amsMwhl
xfSU
xeu ami
xfSU
Lx x sMU
xfSU
oasU
02 qD, 2013
V SUKUMAR
DIVISIONAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
R K DUBEY
SUDHA KRISHNAN
CHAIRMAN & MANAGING
DIRECTOR
DIRECTOR
KHALID LUQMAN BILGRAMI
DIRECTOR
K MANICKAM
GENERAL MANAGER
V S KRISHNAKUMAR
EXECUTIVE DIRECTOR
MEENA HEMCHANDRA
DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUTANU SINHA
DIRECTOR
SUNIL GUPTA
DIRECTOR
A GOPALAKRISHNAN
Partner
SANJIV GUPTA
Partner
S C LOONKER
Partner
BANGALORE
MAY 02,2013
218
For
P CHOPRA & Co.
Chartered Accountants
For
A R DAS & ASSOCIATES
Chartered Accountants
MlU oM M xqMi
isl m, sp u Wl sZ
ij lMS muW uuUh
2012-2013
CONSOLIDATED
BALANCE SHEET, PROFIT & LOSS ACCOUNT
AND CASH FLOW STATEMENT OF CANARA BANK
219
xqMi ur
u r uuUh mU
sZ mUM
mUM M UmO
xu q,
lSzM qQs
MlU oM
ur uuUh mU UmO
i.
i.
WqU U sZ mU M aD MlU oM M sZ
mUi sZ
220
ur uuUh M sL mokl
kl i M EUSriu:
Managements
Statements:
Responsibility
for
the
Financial
221
i)
9. The Balance Sheet and the Profit and Loss Account have
been drawn up in Form A and B respectively of the
Third Schedule to the Banking Regulation Act, 1949.
Mi Lc M ckU LhQ M
xlS sZMU
T m x. 006154Ll
CSUei xl
xfSU
x x. 088694
u SuUel
xfSU
x x. 018786
Inderjit Soni
Partner
Membership No. 088694
V Devarajan
Partner
Membership No. 018786
Mi Lx m cmQ LlQ M
xlS sZMU
T m x. 000346Ll
Mi sMU LhQ M
xlS sZMU
T m x. 000172Qosr
mul M ami
xfSU
x x. 092529
Lx x sMU
xfSU
x x. 010135
Pawan K Gupta
Partner
Membership No.092529
S C Loonker
Partner
Membership No.010135
Mi m cmQ LlQ M
xlS sZMU
T m x. 004957Ll
Mi L AU Sx LlQ LxxLOx
xlS sZMU
T m x. 306109D
UMz el
xfSU
x x. 087925
xuhlS ckU
xfSU
x x. 055439
Rakesh Jain
Partner
Membership No.087925
Swarnendu Chaudhury
Partner
Membership No.055439
xjl: lD Sss
SlM: 29 qD, 2013
222
Schedule
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
1
2
2A
3
4
5
443 00 00
24733 42 66
232 15 88
355684 63 67
20355 08 86
17875 96 21
419324 27 28
443 00 00
22600 39 72
161 48 25
326894 04 23
15614 42 29
13369 96 35
379083 30 84
15414 98 97
17813 01 73
7
8
9
10
11
19364 22 17
127533 53 18
242435 75 97
2883 99 72
11691 77 27
419324 27 28
10433 72 01
106496 61 73
232728 74 12
2887 97 04
8723 24 21
379083 30 84
12
250012 32 29
13997 78 94
193129 93 57
12496 51 17
oM q zw AU qa ij Asm xcl mU kl
18
19
u xMqU
qQs mokM
Ll xuzMUl
Em qW mokM
M qhq
qW mokM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
xk Mwhl
lSzM
ql WqcS
lSzM
e u qhqUl
lSzM
e u xozu Uu
lSzM
xil xlW
lSzM
m u qrr
lSzM
xls ami
lSzM
Mi
uMOcsq ArrU LhQ M
xlS sZMU
Mi
Lx m c
cmQ LhQ M
xlS sZMU
Mi
sMU LhQ M
xlS sZMU
Mi
m cmQ LhQ M
xlS sZMU
Mi
L AU Sx LhQ LxxLOx
xlS sZMU
CSUei xl
xfSU
u SuUel
xfSU
mul M ami
xfSU
Lx x sMU
xfSU
UMz el
xfSU
xuhlS ckU
xfSU
lD Sss
29 qD, 2013
223
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2013
Alxc
rj 31.03.2013
M xqmi uw
Schedule
I.
II.
rj 31.03.2012
M xqmi uw
Ar / I. INCOME
Aei ore / INTEREST EARNED
Alr Ar / OTHER INCOME
eQ / TOTAL
13
14
34069 87 17
3307 64 82
37377 51 99
30815 63 88
3104 51 10
33920 14 98
15
16
26197 74 56
5180 35 24
23159 47 13
4818 87 66
3047 59 43
34425 69 23
2694 53 24
30672 88 03
42 93 97
58 85 20
2994 76 73
3306 12 15
25 06 07
(35 57 44)
2969 70 66
3341 69 59
723 33 10
43 39 70
205 00 00
700 00 00
576 00 00
99 82 03
827 45 00
5 83 78
-700 00 00
487 30 00
81 34 34
622 15 83
2969 70 66
1239 76 47
3341 69 59
67.04
75.43
17
N SIVASANKARAN
Deputy General Manager
R K DUBEY
SUDHA KRISHNAN
Chairman & Managing Director
Director
KHALID LUQMAN BILGRAMI
Director
For H K CHAUDHRY & Co.
Chartered Accountants
INDERJIT SONI
Partner
New Delhi
MAY 29,2013
18
19
K MANICKAM
General Manager
MEENA HEMCHANDRA
Director
SUTANU SINHA
Director
V S KRISHNAKUMAR
Executive Director
G V SAMBASIVA RAO
Director
P V MAIYA
Director
S C LOONKER
Partner
224
RAKESH JAIN
Partner
SWARNENDU CHAUDHURY
Partner
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M rj 31.03.2012 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
3000 00 00
3000 00 00
300 00 00
300 00 00
143 00 00
143 00 00
443 00 00
443 00 00
II.
6699 86 88
5971 46 00
II.
1269 83 25
1226 39 01
1 76 04
1 76 04
2362 33 51
2362 33 51
100 19 39
79 41 99
2033 24 03
2065 13 95
208 22 67
1 20 47
3500 00 00
2800 00 00
8557 96 89
8092 68 75
24733 42 66
22600 39 72
110 15 12
110 15 12
122 00 76
51 33 13
eQ / TOTAL
232 15 88
161 48 25
II.
225
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M rj 31.03.2012 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
i. oM x / FROM BANKS
ii. Alr x / FROM OTHERS
eQ / Total
235 93 87
14485 85 54
14721 79 41
146 41 65
14512 41 21
14658 82 86
II.
71168 18 72
71168 18 72
64792 21 94
64792 21 94
III.
12104 88 42
257689 77 12
269794 65 54
355684 63 67
9763 93 30
237679 06 13
247442 99 43
326894 04 23
341931 80 83
13752 82 84
355684 63 67
315927 66 63
10966 37 60
326894 04 23
--3526 13 29
-127 18 75
820 76 25
7353 55 00
10879 68 29
7693 55 00
8641 50 00
8118 24 75
5699 35 35
1357 15 82
9475 40 57
20355 08 86
1273 56 94
6972 92 29
15614 42 29
B.
226
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M rj 31.03.2012 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
1057 27 60
42 85 26
1153 11 02
310 35 76
15312 36 57
1105 27 77
55 42 41
764 86 79
251 08 11
11193 31 27
17875 96 21
13369 96 35
1137 85 13
1021 09 07
14277 13 84
14277 13 84
15414 98 97
16791 92 66
16791 92 66
17813 01 73
1573 70 21
85 56 28
1659 26 49
1222 44 47
3 78 32
1226 22 79
860 00 00
4307 62 91
5167 62 91
6826 89 40
-550 00 00
550 00 00
1776 22 79
4493 12 62
7247 16 96
797 03 19
12537 32 77
19364 22 17
2855 58 35
5797 48 27
4 42 60
8657 49 22
10433 72 01
Alxc 7- oM q zw ij qa AU Asmxcl mU kl /
SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
I. pUi q / I. IN INDIA
II.
227
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M rj 31.03.2012 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
126985 85 35
106373 16 26
136 08 22
484 43 11
126849 77 13
105888 73 15
103055 41 65
89306 81 65
150 01 06
91 33 81
4888 22 05
1173 05 86
4602 47 26
2817 45 21
472 87 51
615 50 62
13680 77 60
11884 56 00
126849 77 13
105888 73 15
779 54 74
756 60 70
95 78 69
148 72 12
683 76 05
607 88 58
53 47 07
45 45 17
630 28 98
562 43 41
eQ / Total
683 76 05
607 88 58
eQ / Total
127533 53 18
106496 61 73
xUMU mipir /
ii.
ii.
iii
iii
zrU /
iv.
iv.
QocU AU ohQ /
v.
v.
vi.
vi.
GOVERNMENT SECURITIES
OTHER APPROVED SECURITIES
SHARES
DEBENTURES AND BONDS
INVESTMENTS IN ASSOCIATES
OTHERS (MFs, VCF, CDs, CP ETC.)
eQ / Total
II.
ii.
228
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M rj 31.03.2012 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
7706 80 04
7992 51 15
105055 02 60
107100 07 03
129673 93 33
117636 15 94
eQ / Total
242435 75 97
232728 74 12
191244 76 73
168733 73 30
8793 07 00
6756 43 79
42397 92 24
57238 57 03
242435 75 97
232728 74 12
82048 77 57
69270 88 78
29096 02 86
34567 59 11
14 75 78
43 08 27
116209 67 79
117821 66 40
eQ / Total
227369 24 00
221703 22 56
10 85 70
20 35 00
271 40 13
239 20 71
5087 97 80
4339 39 88
a. Alr / c . OTHERS
9696 28 34
6426 55 97
eQ / Total
15066 51 97
11025 51 56
eQ / Total
242435 75 97
232728 74 12
eQ / Total
C. I.
II.
229
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
BALANCE SHEET
2910 03 95
2890 41 19
20 09 38
2930 13 33
4 42 46
2925 70 87
485 45 21
19 64 04
2910 05 23
1 28
2910 03 95
445 97 40
rj 31.03.2012 M
2440 25 66
2464 06 55
uw M SUl xukl /
2001 08 55
1841 13 40
220 80 30
2221 88 85
94 25 90
2127 62 95
1687 27 58
195 18 65
2036 32 05
35 23 50
2001 08 55
1582 37 11
440 35 37
97 87 17
-97 87 17
46 97
97 40 20
89 50 13
7 90 07
418 71 44
97 87 17
-97 87 17
-97 87 17
88 78 12
9 09 05
5 71 07
PROGRESS
eQ / TOTAL
2 19 00
1 19 69
2883 99 72
230
6 90 05
2 19 00
3 00 05
2887 97 04
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2013
rj 31.03.2013 M
rj 31.03.2012 M
3370 90 23
2932 14 11
2430 83 30
1763 87 78
6 93 11
8 37 56
As at 31.03.2013
(` 000)
As at 31.03.2012
(` 000)
AT SOURCE (NET)
III.
IV.
Alr / V. OTHERS
eQ / TOTAL
Alxc 12- AMxqM SriL /
V.
33 09
33 09
5882 77 54
4018 51 67
11691 77 27
8723 24 21
4996 30 79
4883 04 23
--
--
196249 12 20
138706 01 42
oM M u Su elW Gh M m q xuMU lW
Mr ar W / CLAIMS AGAINST THE BANK NOT
ACKNOWLEDGED AS DEBTS
II.
IV.
xbOM M AU x S aD aUOr
M. pUi q / a. IN INDIA
Z. pUi x oWU / b. OUTSIDE INDIA
V.
23457 86 80
39 40 68
33 18 85
23497 27 48
23334 48 97
24657 21 61
23636 40 07
VI.
23301 30 12
Z. Alr / b. OTHERS
eQ / TOTAL
231
--
--
612 40 21
2569 98 88
612 40 21
2569 98 88
250012 32 29
193129 93 57
DISCOUNT ON ADVANCES/BILLS
luz mU Ar / II. INCOME ON INVESTMENTS
690 91 78
9 03 90
rj 31.03.2012 M
xqmi uw
24339 46 52
9142 29 50
23382 12 40
7065 41 75
585 52 99
2 58 16
34069 87 17
362 68 63
5 41 10
30815 63 88
867 80 65
895 98 81
681 87 88
--
457 38 08
133 67 21
323 70 87
--
15 05 85
(15 05 85)
22 15 50
(22 15 50)
6 48 77
1 57 25
4 91 52
1 02 35
7 24
95 11
484 02 57
19 29 52
464 73 05
446 20 25
11 04 60
435 15 65
232
54 74 94
1248 62 63
3307 64 82
110 32 31
1360 53 85
3104 51 10
25237 82 06
21951 58 40
165 38 95
794 53 55
26197 74 56
431 38 83
776 49 90
23159 47 13
rj 31.03.2012 M
xqmi uw
eQ / TOTAL
Alxc 17 - xWoSk xxjA q Ar M Av / (Wl)
233
3285 44 47
471 97 12
31 01 60
33 93 14
3003 74 44
403 86 85
30 80 40
26 93 24
191 44 41
159 15 87
1 03 97
1 22 13
32 85 01
27 70 86
34 45 76
31 76 52
39 46 33
155 30 45
226 07 60
38 59 31
152 64 31
285 71 08
684 10 28
5180 35 24
649 97 75
4818 87 66
22 92 02
18 53 23
--
--
--
27 36 58
21 84 58
4 41 27
(1 82 63)
--
3 51 75
5 02 37
20 01 95
42 93 97
12 95 39
58 85 20
Alxc- 18
SCHEDULE 18
rj 31 qc
qc, 2013 M xqmi uw M
sL xqMi ur uuUh M qWiumh
sZMl lir
Z. Alql M Emra:
xqMi ur uuUh M irU M sL mokl i M
Axir, SriA, urr, Ar ij AMxqM SriA M
mMOl M mpui MUlus Uz M xok q ur
uuUh M iUZ M Alql ij kUhA M oll
M AuzrMi W | mokl M qll W M r Alql u
kUhL Eci u uuMmh W | ijm, uxiuM mUhq
Alql x Asa W xMi W | sZMl Alql q Mx
xzkl M uiql ij puwr q qlri Sr eLa |
2. xqMl mr
2.1 xqW (7 Alwar, 3 xWo xxjA ij 1 xr Eq)
M xqMi ur uuUh M irU lqlsZi M AkU
mU M aD:
2. Consolidation procedure:
2.1 CFS of the Group (comprising of -7- Subsidiaries,
-3-Associates and -1- Joint Venture) have been
prepared on the basis of:
(a) Audited accounts of Canara Bank (Parent).
234
235
236
7. Acs Axir:
7.
i)
8. Depreciation:
8.1 Parent:
8.1 qs oM:
i)
Fixed Assets:
Premises and other Fixed Assets are stated at
historical cost except wherever revalued. Fixed assets
include assets given on lease.
237
M) mqrq:
a) Premium :
Premium is recognised as income when due from
policy holders, if there is a reasonable certainty
of collectability. For unit linked business, income
is recognized when the units are allocated.
Premium on lapsed policies is recognized as
income when such policies are reinstated.
Premiums are recognized net of service tax. Topup premium is considered as single premium.
Z) xo MUoU x Ar:
lk mokl mpU, mzxlM mpU, qir SU mpU AU
Alr mpU EimS uzwiA M AlxU xo lkr
x msx M lrq u zi M AkU mU uxs Mr
ei W ij Sr Wl mU qlri Sr ar W |
238
a) mloq mqrq:
mloq mqrq M pail M sZMl ml: oq
Mml M xj M aD uruxj r xk M AlxU
Mr ei W |
b) mS sp(Su xWi):
c) Reinsurance Premium:
Reinsurance premium ceded is accounted
in accordance with the treaty or in principle
arrangement with the re- insurer.
Su M sai q msx x sp M Uz ij Su
lmOl sai, eW sa W, zqs Wi W | qir Su
ij UCQU Su M sZMl xcl mmi M oS M
ei W |
X) AkaWh sai:
AkaWh sai uW sai W e mjqM m x oq
xuS AkaWh x xoki Wi W ij ex Auk
q Zc Wl Wi W Ex Auk q Zc Mr ei
W exx rW mUuii Wi UWi W | mjq uw q
pail M aD Mqzl M uxs Mx cmsx M
MUh M aD W, rS MD W i, puwr q ExM
sZMl Ex uw q M ei W exq ExM uxs
Sr Wi W |
239
e) Acquisition Costs:
Acquisition costs are costs which vary with and
are primarily related to acquisition of insurance
contracts and are expensed off in the period in
which they are incurred. Recovery on account of
clawback of the first year commission paid, if
any, in future is accounted in the year in which its
recovery is due.
c) eui ms
sxr
xr M SriL:
M Sbuk sp ql ar W ij
iUZ M Alqli CMD xZ
oqMM qsrMl M AkU mU
W |
12. Taxation:
Provision for Income Tax is made after due
consideration of the judicial pronouncements and
legal opinion. Disputed taxes, not provided for are
included under Contingent Liabilities.
240
241
Alxc- 19 / SCHEDULE 19
rj 31 qc 2013 M xqmi uw M sL xqMi ur uuUh mU sZ xok Ommhr
NOTES ON ACCOUNTS ON THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR
ENDED 31st MARCH 2013
1. xqMi ur uuUh MlU oM (qs) u ExM lqlsZi Alwar, xWo xxjA u xr Eq M mUhq W |
Alwar, xWo xxjA u xr Eq M ur uuUh MlU oM M ur mUhq, Aji 31 qc, 2013 M xqmi uw,
M W W |
1.1 Alwar:
lql Alwar M ElM sZ mUi ur mUhq M AkU mU xqMi Mr ar W:
q
x.
Alwa M lq
laqi Sz
rj 31.03.2013 rj 31.03.2012
M xuqiu
M xuqiu
Wi M
Wi M
mizi (%)
mizi (%)
pUi
100.00%
100.00%
pUi
100.00%
100.00%
MlU oM xYrUOe s.
pUi
100.00%
100.00%
MloM TYOx s.
pUi
70.00%
70.00%
pUi
69.14%
69.14%
pUi
51.00%
51.00%
pUi
51.00%
51.00%
1.
The Consolidated Financial Statements (CFS) of the Group comprises the result of the Canara Bank (Parent) and
following Subsidiaries, Associates and Joint venture. The financial statements of the Subsidiaries/Associates/Joint
venture are drawn upto the same reporting date as that of the Parent i.e. year ended March 31, 2013.
1.1 Subsidiaries:
The following subsidiaries have been consolidated based on their Audited Financial Statements:
Sl.
No.
Country of
incorporation
Percentage
Percentage
of ownership of ownership
interest (%) as interest (%) as
on 31.03.2013 on 31.03.2012
1.
India
100.00%
100.00%
2.
India
100.00%
100.00%
3.
India
100.00%
100.00%
4.
India
70.00%
70.00%
5.
India
69.14%
69.14%
6.
India
51.00%
51.00%
7.
India
51.00%
51.00%
242
mai aqh oM
pUi
35.00%
35.00%
pUi
35.00%
35.00%
1.2 Associates:
I. The investment in the following Associates have been considered for the purpose of consolidation based on
their Audited Financial Statements.
Sl. No.
Country of
incorporation
Percentage
Percentage
of ownership of ownership
interest (%) as interest (%) as
on 31.03.2013 on 31.03.2012
1.
India
42.35%
42.35%
2.
India
35.00%
35.00%
3.
India
35.00%
35.00%
243
1.3 xr Eq:
A. Balance Sheet:
(` MUQ q)
31.03.2013 31.03.2012
me u SriL
(` in Crore)
Particulars
31.03.2013 31.03.2012
me
43.42
40.70
Capital
43.42
40.70
32.49
23.48
32.49
23.48
eq
3.77
5.21
3.77
5.21
EkU
120.68
89.03
120.68
89.03
0.51
0.69
0.51
0.69
200.87
159.11
200.87
159.11
0.54
0.34
35.85
6.46
132.16
118.28
31.70
32.03
Deposits
Borrowings
Other Liabilities and
Provisions
TOTAL
Assets
0.54
0.34
35.85
6.46
luz
132.16
118.28
Aaq
31.70
32.03
Acs Axir
0.23
0.25
Fixed Assets
0.23
0.25
Alr Axir
0.39
1.75
Other Assets
0.39
1.75
200.87
159.11
200.87
159.11
zlr
0.45
Nil
0.45
oM q zw ij qa mU
Asmxcl mU kl
Ms
AMxqM SriL
Investments
Advances
TOTAL
Contingent Liabilities
244
Z. sp AU Wl Zi
uuUh
Ar
Aei ore
Alr Ar
Ms
urr
urr Mr ar ore
mUcsl urr
(` MUQ q)
2011-12
12.91
3.49
16.40
10.63
0.65
11.28
2.15
3.27
1.38
2.70
2.04
0.34
Ms
sp
7.46
8.94
4.42
6.86
Uz
76.50
15.17
2. Alwar u xr Eq mcsi xi u mi M
AlxU sZMl lir M AlxUh MU UW W e xoki
MUoU AuzrMiA M MUh qs oM x MN qqs
q Asa W | mokl M Ur W M CxM mpu qWiumh
lW W ex xqMi ur uuUh q xqrei MUl M
AuzrMi lW W |
3. up Alwar M AkaWh x mmi me AUi lkr
/ (xZ) M Asa uuUh lqllxU W:
(` MUQ q)
Alwa M lq
MloM TYOx sqOQ
MloM MmrOU
xuxe s.
lus me AUi lkr
Particulars
Income
Interest Earned
Other Income
TOTAL
Expenditure
Interest Expended
Operating Expenses
Provision and
Contingencies
TOTAL
PROFIT
2012-13
(` in Crore)
2011-12
12.91
3.49
16.40
10.63
0.65
11.28
2.15
3.27
1.38
2.70
2.04
0.34
7.46
8.94
4.42
6.86
31.03.2013
31.03.2012
31.03.2013
31.03.2012
1.52
1.52
1.52
1.52
0.24
0.24
0.24
0.24
1.76
1.76
1.76
1.76
4. AiU zZ slSl AU sZ
Z zw M mMUh:
31.03.2013 iM AiU zZ slSl M Akl xqkl M
Ezr x qs oM M mkl Mrsr q mmi mur M
mUpM qsl Mr ar W| ijm, qs oM l zw oMr
mur M xqkl, lMx AU ElW Mq MUl Wi Aml
mrx M eU UZ W |
245
246
xo mO M mMOl:
i)
MlU oM
247
8.1.3 Subsidiaries
i) Canbank Venture Capital Fund Ltd.
ii) Canbank Financial Services Ltd.
iii) Canara Bank Securities Ltd. (formerly GILT
Securities Trading Corporation Ltd)
iv) Canbank Factors Ltd.
v) Canbank Computer Services Ltd.
vi) Canara Robeco Asset Management Company Ltd.
vii) Canara HSBC Oriental Bank of Commerce Life
Insurance Company Ltd.
8.1.4 Joint Venture i) Commercial Bank of India LLC., Moscow
8.1.5 Associates
i) Canfin Homes Ltd.
ii) Commonwealth Trust (India) Ltd.
iii) Regional Rural Banks sponsored by the Bank
a) Pragati Gramin Bank
b) South Malabar Gramin Bank
c) Shreyas Gramin Bank*
(*Shreyas Gramin Bank sponsored by Canara
bank and Aryavart Kshethriya Gramin Bank
sponsored by Bank of India were amalgamated as
new bank Gramin Bank of Aryavart sponsored
by Bank Of India, with effect from 01.04.2013
as per Government of India Notification No.
F.No.7/9/2011-RRB (UP-1) dated 01.04.2013)
8.1.6 Disclosure about transactions with Key
Management Personnel is as under:
Remuneration to Key Management Personnel:
`47,48,665/- (Previous Year: `58,92,007/-)
uuUh
Particulars
EkUuw M Ai iM oMr
uw M SUl xukM oMr
equw M Ai iM oMr
uw M SUl xukM oMr
eq M lreluw M Ai iM oMr
uw M SUl xukM oMr
Aaquw M Ai iM oMr
uw M SUl xukM oMr
luzuw M Ai iM oMr
uw M SUl xukM oMr
cs Zi q zw
uw M Ai iM oMr
uw M SUl xukM oMr
Alr mmr rj uwi M oMr
uw M SUl xukM oMr
AiU oM mipai mqhm - eU
ML aLrj uwi M oMr
uw M SUl xukM oMr
AiU oM mipai mqhmmipai ML aLrj uwi M oMr
uw M SUl xukM oMr
Mqzl mmr rj uwi M oMr
uw M SUl xukM oMr
Alwar
xWo
xxjA AU
xr Eq
zlr
(zlr)
zlr
(zlr)
70.90
(32.70)
73.20
(32.70)
164.94
(164.90)
175.21
(199.21)
968.81
(1840.30)
1059.57
(1921.15)
zlr
(zlr)
zlr
(zlr)
118.07
(zlr)
118.07
(zlr)
423.46
(688.38)
698.77
(784.98)
1595.99
(2098.68)
2044.66
(2133.68)
609.80
(518.13)
609.80
(518.13)
99.75
(102.57)
99.75
(102.57)
10.14
(zlr)
10.14
(zlr)
150.32
(zlr)
168.38
(zlr)
0.05
(zlr)
0.05
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
1950.00
(zlr)
1950.00
(zlr)
zlr
(zlr)
zlr
(zlr)
1950.00
(zlr)
1950.00
(zlr)
3.18
(zlr)
3.18
(zlr)
zlr
(zlr)
zlr
(zlr)
248
Subsidiaries
Associates
& Joint
Venture
NIL
(NIL)
NIL
(NIL)
70.90
(32.70)
73.20
(32.70)
164.94
968.81
(164.90) (1840.30)
175.21
1059.57
(199.21) (1921.15)
NIL
(NIL)
NIL
(NIL)
118.07
(NIL)
118.07
(NIL)
423.46
1595.99
(688.38) (2098.68)
698.77
2044.66
(784.98) (2133.68)
609.80
(518.13)
609.80
(518.13)
99.75
(102.57)
99.75
(102.57)
10.14
(NIL)
10.14
(NIL)
150.32
(NIL)
168.38
(NIL)
0.05
(NIL)
0.05
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
1950.00
(NIL)
1950.00
(NIL)
NIL
(NIL)
NIL
(NIL)
1950.00
(NIL)
1950.00
(NIL)
3.18
(NIL)
3.18
(NIL)
NIL
(NIL)
NIL
(NIL)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
0.04
(zlr)
0.55
(zlr)
zlr
(zlr)
zlr
(zlr)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
0.04
(NIL)
0.55
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
S ore
12.49
(10.64)
159.77
(201.77)
Interest paid
12.49
(10.64)
159.77
(201.77)
mmi ore
44.24
(63.63)
191.03
(262.58)
Interest received
44.24
(63.63)
191.03
(262.58)
mmi spz
8.24
(6.24)
20.00
(zlr)
30.00
(zlr)
50.68
(zlr)
37.74
(28.84)
21.58
(37.53)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
2.38
(0.82)
zlr
(0.01)
zlr
(zlr)
Dividend received
8.24
(6.24)
NIL
(NIL)
20.00
(NIL)
NIL
(NIL)
30.00
(NIL)
NIL
(NIL)
Premium Paid
50.68
(NIL)
NIL
(NIL)
Rendering of Service
37.74
(28.84)
2.38
(0.82)
21.58
(37.53)
NIL
(0.01)
NIL
(NIL)
NIL
(NIL)
Management Contracts
249
9. mi zrU Ael :
uuUh
qs AU ilMi D m Lx (`)
2012-2013 2011-2012
67.04
75.43
67.04
2012-2013 2011-2012
2970 MUQ
3342 MUQ
DYuO zrU M
pUi Axi
xZr
44.30 MUQ
44.30 MUQ
rj 31 qc, 2013
M oMr zrU
M xZr
44.30 MUQ
44.30 MUQ
mi zrU qs u
ilMi Ael
(M/Z) (`)
67.04
75.43
mi zrU lqq
qsr (`)
10/-
10/-
2012-2013 2011-2012
75.43
DYuO zrUkUM M
MUh uw M sL lus
sp (`)
Particulars
Particulars
2012-2013 2011-2012
Weighted Average
Number of Equity
Shares
No. of Shares
outstanding as on 31st 44.30 Crore 44.30 Crore
March 2013
67.04
75.43
10/-
10/-
uuUh
Axjai MU Sri
250
zlr
zlr
656.53
562.07
277.53
270.21
zlr
0.02
54.32
36.97
0.74
1.19
zlr
zlr
zlr
zlr
17.12
13.06
2.06
8.04
348.97
320.24
659.33
571.32
Particulars
31.03.2013 31.03.2012 31.03.2013 31.03.2012
Interest accrued but not due on securities
NIL
NIL
656.53
562.07
277.53
270.21
NIL
0.02
54.32
36.97
0.74
1.19
NIL
NIL
NIL
NIL
17.12
13.06
2.06
8.04
348.97
320.24
659.33
571.32
Others
Deferred Tax Asset / Liability
(` MUQ q)
uuUh
31.03.2013 31.03.2012
(371.31)
153.87
Ll m L M mi mukl
1871.12
1309.03
255.61
171.23
819.56
818.94
472.62
241.46
3047.60
2694.53
Ms
31.03.2013 31.03.2012
(371.31)
153.87
1871.12
1309.03
255.61
171.23
819.56
818.94
472.62
241.46
3047.60
2694.53
TOTAL
251
(` MUQ q)
xqmi uw
31.03.2013 31.03.2012
ZhQ Uexu
UeMwr mUcsl
10294.45
ZSU oMa mUcsl
9463.97
jM oMa mUcsl
17223.41
Alr oMa mUcsl
0.00
aU AoOi
395.69
Ms
37377.52
II ZhQ mUhq
M UeMwr mUcsl
1115.81
Z ZSU oMa mUcsl
1864.14
a jM oMa mUcsl
2705.43
b Alr oMa mUcsl
0.00
X aU AoOi
0.00
Ms
5685.38
aU AoOi Ar /
III
314.04
(urr)
5999.42
IV mUcsl sp
V mukl AU AMxqMiL
2228.03
VI Ar MU
819.56
VII AxkUh qS
0.00
2951.83
VIII uw M sL lus sp
eQ: xWoSk xxjA q Ael
IX
42.94
M Wxx
bOL: AsmxZrM Wi (lus
X
25.06
Wl)
xqW M MUh uw M sL xqMi
XI
2969.71
sp
Alr xcl
XII ZhQ Axir*
M UeMwr mUcsl
150904.28
Z ZSU oMa mUcsl
78711.04
a jM oMa mUcsl
171294.18
b Alr oMa mUcsl
0.00
X aU AoOi Axir
16381.53
Ms
417291.03
XIII ZhQ SriL
M UeMwr mUcsl
28855.45
Z ZSU oMa mUcsl
156299.98
a jM oMa mUcsl
180253.80
b Alr oMa mUcsl
0.00
X aU AoOi SriL
28738.61
c me AU AUi lkr*
23143.19
Ms
417291.03
(*mlqsrMl AUi lkr M NQMU)
I
M
Z
a
b
X
7826.50
8338.57
17272.11
0.00
482.97
33920.15
572.72
2031.47
3036.11
0.00
0.00
5640.30
301.50
5941.80
1875.59
818.94
0.00
3247.27
58.85
(35.57)
3341.69
119619.18
68458.60
177113.82
0.00
11826.57
377018.17
42572.21
139940.75
149166.13
0.00
24360.82
20978.26
377018.17
PARTICULARS
(` in Crore)
Year ended
31.03.2013
Segment Revenue
Treasury Operations
10294.45
Retail Banking Operations
9463.97
Wholesale Banking Operations 17223.41
Other Banking Operations
0.00
Unallocated
395.69
Total
37377.52
II Segment Results
a Treasury Operations
1115.81
b Retail Banking Operations
1864.14
c Wholesale Banking Operations
2705.43
d Other Banking Operations
0.00
e Unallocated
0.00
Total
5685.38
Unallocated Income/
314.04
III
(Expenses)
IV Operating Profit
5999.42
V Provisions and Contingencies
2228.03
VI Income Tax
819.56
VII Extraordinary Items
0.00
VIII Net Profit for the Year
2951.83
Add:-Share of Earnings in
42.94
IX
Associates
Less:-Minority Interest
25.06
X
(Net Loss)
Consolidated Profit for the Year
XI
2969.71
attributable to the Group
Other Information
XII Segment Assets*
a Treasury Operations
150904.28
b Retail Banking Operations
78711.04
c Wholesale Banking Operations 171294.18
d Other Banking Operations
0.00
e Unallocated Assets
16381.53
Total
417291.03
XIII Segment Liabilities
a Treasury Operations
28855.45
156299.98
b Retail Banking Operations
c Wholesale Banking Operations 180253.80
d Other Banking Operations
0.00
e Unallocated Liabilities
28738.61
f Capital and Reserves*
23143.19
Total
417291.03
I
a
b
c
d
e
252
31.03.2012
7826.50
8338.57
17272.11
0.00
482.97
33920.15
572.72
2031.47
3036.11
0.00
0.00
5640.30
301.50
5941.80
1875.59
818.94
0.00
3247.27
58.85
(35.57)
3341.69
119619.18
68458.60
177113.82
0.00
11826.57
377018.17
42572.21
139940.75
149166.13
0.00
24360.82
20978.26
377018.17
Year ended
Particulars
31.03.2013 31.03.2012
M bUs mUcsl
Uexu
Axir
a Domestic Operations
36775.65
33394.96
393092.93 359252.19
Z AiUr mUcsl
Uexu
Axir
Axir*
Revenue
Assets
36775.65
33394.96
393092.93 359252.19
b International Operations
601.87
525.19
24198.10
17765.98
a Ms
Uexu
31.03.2013 31.03.2012
Revenue
Assets
601.87
525.19
24198.10
17765.98
37377.52
33920.15
c Total
37377.52
33920.15
417291.03 377018.17
Revenue
Assets*
417291.03 377018.17
253
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29 qD, 2013
V SUKUMAR
Divisional Manager
N SIVASANKARAN
Deputy General Manager
K MANICKAM
General Manager
V S KRISHNAKUMAR
Executive Director
R K DUBEY
Chairman & Managing Director
SUDHA KRISHNAN
Director
MEENA HEMCHANDRA
Director
G V SAMBASIVA RAO
Director
G V MANIMARAN
Director
INDERJIT SONI
Partner
V DEVARAJAN
Partner
SUTANU SINHA
Director
P V MAIYA
Director
S C LOONKER
Partner
New Delhi
May 29, 2013
254
SUNIL GUPTA
Director
RAKESH JAIN
Partner
SWARNENDU CHAUDHURY
Partner
2969 70 66
3341 69 59
819 55 74
(576 31 74)
1871 11 57
255 60 81
472 63 04
191 44 41
15 05 85
730 56 11
(681 87 89)
(4 91 52)
6062 57 04
818 94 39
60 50 50
1309 03 55
171 21 78
241 46 34
159 15 87
22 15 50
737 64 06
(323 70 87)
(95 11)
6537 15 60
28790 59 44
4484 25 46
(20073 42 16)
(9707 01 85)
(1844 83 58)
1351 22 75
70 67 63
33636 13 47
1569 42 00
(19805 40 74)
(22589 27 16)
(396 34 36)
1895 68 41
12 32 01
(A)
9134 04 73
1123 69 48
8010 35 25
859 69 23
1584 18 07
(724 48 84)
(91 67 25)
(214 45 49)
(149 73 19)
(455 85 93)
(44 12 19)
(195 96 10)
(68 29 29)
(308 37 58)
--256 41 12
(730 56 11)
(568 64 34)
(1042 79 33)
--(250 00 00)
(737 64 06)
(568 55 28)
(1556 19 34)
20 77 41
20 77 41
64 14 01
64 14 01
6532 47 40
(2524 91 75)
255
28246 73 74
30771 65 49
34779 21 14
28246 73 74
lO / Notes:
1. lMS muW uuUh Amir mhs M iWi irU Mr ar W ij AuvrMilxU AMQ M mlxqWi Mr ar W| / The
Cash Flow Statement has been prepared under the Indirect Method and figures has been regrouped wherever
necessary.
2. lMS u lMS xqisr q qeS lMS, pUir Ueu oM u Alr oM q zw AU qa AU Asm lOx mU kl / Cash and Cash
equivalents includes Cash on hand, Balance with RBI & Other Banks and Money at Call and Short Notice
lMS u lMS xqisr M bOM / Components of Cash & Cash Equivalents
31.03.2013
31.03.2012
15414 98 97
17813 01 73
Asm lOx u qa mU u oM M xj zw
Balances with Banks and Money at Call and Short Notice
19364 22 17
10433 72 01
Ms / Total
34779 21 14
28246 73 74
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29 qD, 2013
V SUKUMAR
Divisional Manager
N SIVASANKARAN
Deputy General Manager
K MANICKAM
General Manager
V S KRISHNAKUMAR
Executive Director
R K DUBEY
Chairman & Managing Director
SUDHA KRISHNAN
Director
MEENA HEMCHANDRA
Director
G V SAMBASIVA RAO
Director
G V MANIMARAN
Director
INDERJIT SONI
Partner
V DEVARAJAN
Partner
SUTANU SINHA
Director
P V MAIYA
Director
S C LOONKER
Partner
New Delhi
May 29, 2013
256
SUNIL GUPTA
Director
RAKESH JAIN
Partner
SWARNENDU CHAUDHURY
Partner
mr zrUkUM
Dear Shareholder,
AmM,
R K Dubey
Chairman & Managing Director
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21.
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23.
24.
25.
26.
27.
28.
258
DP Service Centre
1. Agra - M G Road
1. Ashram Road, Ahmedabad
1. Bangalore Central DP Stock Exchange Tower,
JC Road Cross, Bangalore
2. Vijayanagar - Bangalore
Bhopal
1. Arera Colony- Bhopal
Calicut
1. West Hill - Calicut
2. Big Bazaar - Palakkad
Chandigarh
1. 17-C - Chandigarh
2. BMC Chowk - Jallandhar
Chennai
1. Habibulla Road - Chennai
2. Tenyampet-Chennai
3. Annanagar East - Chennai
Coimbatore
1. R.S.Puram - Coimbatore
2. Alagapuram - Salem
3. Park Road - Erode
Delhi
1. Connaught Circus - Delhi
2. Hauz Khas - Delhi
3. RK Puram - Delhi
Guwahati
1. Dispur - Guwahati
Goa
1. Margoa - Goa
Hubli
1. Traffic Island - Hubli
Hyderabad
1. Narayanguda - Hyderabad
Jaipur
1. Arvind Marg - Jaipur
Karnal
1. Galleria Market - Gurgaon
Kolkata
1. L C Road - Kolkata
Madurai
1. Grand Central - Madurai
Mangalore
1. Hampanakatta - Mangalore
2. Maruthi Vetika - Udupi
Mumbai
1. NSE Branch - Mumbai
2. Ghatkopar (West)- Mumbai
3. SSB Andheri - Mumbai
4. Vile Parle - Mumbai
Mysore
1. Nazarabad - Mysore
2. Main - Hassan
Nagpur
1. Itwari - Nagpur
Patna
1. Budh Marg - Patna
Pune
1. Camp - Pune
Ranchi
1. Daronda Ranchi
Shimoga
1. Nelli Soudha - Shimoga
Trivandrum
1. Broadway - Ernakulam
2. Cantonment - Trivandrum
Trichy
1. Thillai Nagar - Trichy
Vishakapatnam 1. Daba Gardens - Vishakapatnam
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AiUM Aiq ij M MlU oM M mi ` 10/- M ....................................... DYuO zrU M zrUkUM, oMa Mml (Emq M
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259
NOMINATION FORM
To
The Chairman & Managing Director,
CANARA BANK
Head office: Bangalore.
Dear Sir,
ELECTION OF DIRECTORS
With reference to your notice dated 10-6-2013, I, ________________________ a shareholder of Canara Bank holding
_________ equity shares of `10/- each as on Friday, the 21st June 2013 (i.e.) the Internal Cut-Off date for participating
in the Election do hereby nominate Sri/ Smt._____________ son/daughter/wife of _______________________
residing at ________________ for being elected as a Director of Canara Bank representing the Shareholders of the Bank
as provided in Section 9(3) (i) of The Banking companies (Acquisition and Transfer of Undertakings)Act, 1970 at the 11th
Annual General Meeting of the Shareholders of the Bank to be held on Monday, the 22nd July 2013.
Signature
Name
Number of shares
Regd. Folio No.
(If not dematerialized)
DP ID No. & Client ID No.
(If dematerialized)
Place
Date
Notes:
1. In case of nomination by a Body Corporate, the nomination form should be accompanied by a certified true copy of
the resolution passed by the Board of Directors under the signature of the Chairman of the Meeting at which it was
passed.
2. Signature of the Shareholders nominating the candidate should match with the specimen signature available with
the share transfer agent of the Bank.
3. If any of the columns above is left Blank or the particulars are found to be incorrect, the nomination is liable to be
rejected.
260
bwh
(mirz U)
(ulrq M ulrq 65 M xSp s)
*e sa W Ex mU MU |
261
DECLARATION
(BY THE CANDIDATE)
(Refer Regulation 65 of the Regulations)
262
mirz M eulu M mm
(urai xcl, bwh ij ucl m)
mirz M TO
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uiql mi
263
Affix
Candidates
photo here
Full name
Father Name
b.
Date of Birth
c.
Educational Qualifications
d.
e.
Permanent Address
f.
Present Address
g.
h.
Permanent Account Number under the Income Tax Act and name and address of
Income Tax Circle
i.
j.
List of Relatives if any who are connected with the Bank (Refer Section 6 and
Schedule 1A of the Companies Act, 1956)
b.
c.
d.
e.
264
c.
III.. uruxrM
ur uxrM Emsokr M Miql
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a.
b.
mirz Mml Aklrq 1966 M kU 274 q mri AlxU Arar PWUr e xMi W|
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M u MD ec mQis M aD|
c.
N.
V.
265
f.
Cases, if any, where the director or entities listed in II (b) and (c) above are in
default or have been in default in the past in respect of credit facilities obtained
from the bank or any other bank.
b.
c.
d.
e.
Has the director or any of the entities at II (b) and (c) above been subject to any
investigation at the instance of Government department or agency?
f.
Has the director at any time been found guilty of violation of rules/regulations/
legislative requirements by customs/ excise / income tax/foreign exchange /
other revenue authorities, if so give particulars.
g.
Whether the director at any time come to the adverse notice of a regulator such
as SEBI, IRDA, DCA.
(Though it shall not be necessarily for a candidate to mention in the column
about orders and findings made by regulators which have been later on
reversed / set aside in toto., it would be necessary to make a mention of the same,
in case the reversal / setting aside is on technical reasons like limitation or lack
of jurisdiction, etc., and not on merit. If the order of the regulator is temporarily
stayed and the appellate / court proceedings are pending, the same also should
be mentioned.)
V.
266
bwh:
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oU q eil esS W xM Eil esS oM M mhir xci UZl M ucl Si / Si W |
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xjl :
SlM :
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xjl :
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xjl :
SlM :
xjl :
SlM :
267
Undertaking
I confirm that the above information is to the best of my knowledge and belief true and complete. I undertake to
keep the bank fully informed, as soon as possible, of all events which take place subsequent to my appointment
which are relevant to the information provided above.
I also undertake to execute the deed of covenants required to be executed by the directors of the Bank.
Place :
Signature
of the Candidate
Date :
Enclosures : 1. Wherever space is not sufficient, please attach the information as annexure in chronological order
and with appropriate cross reference. 2. Each pages (including annexure) are required to signed by the Candidate.
Signature of Nomination
Committee member
Signature of Nomination
Committee member
Signature of Nomination
Committee member
Place :
Date :
Place :
Date :
Place :
Date :
268
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(piMi W i)
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269
Time :
DP ID & Client ID
(If dematerialised)
ENTRY PASS
(to be retained throughout the meeting)
Name of the Shareholder
Number of shares
Regd. Folio
(if not dematerialised)
DPID No.
Client ID No.
(if dematerialised)
DP ID & Client ID
(If dematerialised)
270
Mmr 15 mx
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cmML
mYx M WxiU
lq AU mi: ................................................................................
......................................................................................................
......................................................................................................
.........................................................................................................
mjq lqi / LMs kUM M WxiU
271
..........................................................................................................
.....................................................................................................................
272