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2013-2014
ANNUAL REPORT
2013-2014
CONTENTS
2. mai M LM fsM
16
17
1. NOTICE
2. PROGRESS AT A GLANCE
3. DIRECTORS REPORT 2013-2014
4
16
17
18
18
24
MlU oM uw 2013-14 q
24
70
70
73
73
75
101
126
101
126
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
129
132
133
134
142
144
153
198
236
334
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
AUDITORS REPORT
129
BALANCE SHEET
132
133
134
142
ACCOUNTING POLICIES
144
NOTES ON ACCOUNTS
153
198
237
334
8. xqMi ur uuUh
75
337
340
341
342
379
380
381
12. mYx Tq
383
AUDITORS REPORT
337
340
341
342
349
351
364
377
349
351
364
377
379
380
382
384
lOx
NOTICE
Aml xmh uuMkMU M iWi LM r AkM Az q, xqrxqr mU Akm M NQMU CMuO zrU r Alr mipir
e oS M ij q CMuO zrU q mUuilr r CxM xj
ulqr rar W, Cx mMU eU, mxii r AoOi MU xMi
W M m xxjai lrel M AlxUh q ex M Yr AD o
AD x Q AU ulrqus M Akrr VIII M iWi uruxj W,
xjl lrel Sxiue AU / r Alr Mx Sxiue/msZ/
mUm/ml M qkrq x AU Cx iUM x AU Cx mMU qsr,
zi AU lokl ex M Ex xqr mU mcsi AD x Q
AU ulrqus r Mll M MlW mukl M AlxU lkUi
Mr ar W, m xxjai ZUSU (Yr AD m) (ex M AD
x Q AU ulrqus q mUpwi W) M isl q MS xUMU
Mx p xqr oM M DYuO me M 51% mizi x Mq
kUi l MUi W |
Z)
a)
Aa xMsm sr
sr ei W M Aml AlqSl, xWqi, Alqi Lu
Aa xMsm sr ei W M oQ M Mx p sQ mokM/
oMU/ WqSU/ lmaU Lu Cx mMU M xp Lelxr x
e Cx mMU M CMuO/Akql zrU/mipir M mxiu
q zqs r xoki W, M xj Cx mMU M xqfi MUl
Lu CxM mh lwmSl M ij Cx mMU M xp xxjA Lu
Lexr M Mqzl, Sss, zsM r Alr Lx U mUqM
Sl ij Lx Lexr M xj Lx xp MUU, ml, Sxiue
AS lwmSi MUl M sL LiU mkMi Mr ei W |
AU M So
R K DUBEY
xjl : oasU
SlM: 04.06.2014
Place : Bengaluru
Date : 04-06-2014
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
Raising of Paid up Capital is annexed below.
2. APPOINTMENT OF PROXY:
2. milk M lr :
3. mkMi milk M lr :
4. REGISTRATION :
In order to facilitate the shareholders attending the
meeting, Registration process will commence from
2.30 p.m. on Monday, the 21st July, 2014 at the
venue. Shareholders are requested to be present
for the meeting well in advance, to complete the
Registration formalities.
5. ATTENDANCE SLIP:
10
qkmU , WSU
UoSoS- 500 081
7. CLOSURE OF BOOKS:
7. oWr M oS MUl :
8. PAYMENT OF DIVIDEND:
11
9. CONSOLIDATION OF FOLIOS:
9. Tsr M xqMl :
12
M Um
UmO :
11. uwM
13. e-VOTING:
13. D-uOa :
Mrxc M xp qS mU cc Wl M oS Akr xp qS
M sL qiSl MUl M ASz Sa | Cx Ezr M sL lr
ML aL ecMiA U qiSl M Arel u mruh
Mr eLa | qiSl M lie M oS Akr oPM M
xqmi bwi MUa | D-uOa M lie M xj qiSl M
lie M bwh oM U ExM uoxCO mU M eLa ij
xOM LYxce M p xci Mr eLa |
1. oM M cs CYuO me ` 461.26 W ij rj 31 03
2014 M oM M me mrmii Almi 10.63 % W AU
pUir Ueu oM U lkUi 9% M isl q MT AcN
W | ijm uxiU MUl M oM M MN relA AU
oxs II qlSQ Mrlurl AU mUhqxum me mpU
M AsM q me mrmii Almi M AU p oRl M
eUi W |
13
14
9. cM mxiu M qsrlkUh oS q Mp p Mr e
xMi W, eU Mr elus zrU M qsr oil xpu
lW W | Mi uW, xqr xqr mU rj xzki AD x
Q AU ulrqus, oMa Mml (Emq M Ael u
AiUh) Aklrq 1970 AU MlU oM (zrU Lu oPM)
ulrqus 2000 Aju Alr Mx SzlSz/ulrq/
xWqi M mukl M AlxU Wa eM sa W Aju
Ami W |
11. The equity shares allotted, shall rank pari passu in all
respects with the existing equity shares of the Bank.
Ueu MzU So
R. K. DUBEY
xjl : oasU
Place : Bangalore
SlM : 04-06-2014
Date : 04-06-2014
15
2011-12
2012-13
2013-14
mS me / Paid-up Capital
443
AUi lkr / Reserves
22247
Ms eqL / Aggregate Deposits
327054
u (%) / Growth (%)
11.46
Alux eqL / Non-Resident Deposits
13762
uSz MUoU / Foreign Business Turnover
144662
Aaq (lus) / Advances (Net)
232490
u (%) / Growth (%)
10.04
ZSU Aaq / Retail Advances
24782
mjqMi Aaq / Priority Sector Advances
67383
Mw / Agriculture
31946
Mw (xuiUh) / Agriculture(Disbursal)
27327
xq, sb u qkrq Eq / Micro, Small and Medium Enterprises
34893
Q AU AD rel M iWi Aaq / Advances under DRI Scheme
58
Ae / Aee aWM M Aaq / Advances to SC/ST Clients
4293
lri xZ / Export Credit
10382
Ms Ar / Total Income
33778
Ms urr / Total Expenditure
27835
mUcsl sp / Operating Profit
5943
lus sp / Net Profit
3283
zZA M xZr / Number of Branches
3600
LOLq M xZr / Number of ATMs
2858
aWM AkU (MUQ q) / Clientele (In Crore)
4.20
Ms MqcUr M xZr / Total Number of Staff
42272
mUp x aPi xur xWri xqW (sZ q) /
Self Help Groups formed since inception (In Lakh)
3.71
qZr MrlwmSl Almi (%) / Key Performance Ratios (%)
me mrmii Almi / Capital Adequacy Ratio
13.76
mi zrU Ael (`) / Earnings Per Share (`)
74.10
oW qsr (`) / Book Value (`)
429.51
mi MqcU MUoU (` MUQ) / Business Per Employee (` Crore)
13.74
mi MqcU sp (` sZ) / Profit Per Employee (` Lakh)
8.21
Axi Axir mU UOl / Return on Average Assets
0.95
sai-Ar Almi / Cost-Income Ratio
44.02
xMs Ll m L Almi / Gross NPA Ratio
1.73
lus Ll m L Almi / Net NPA Ratio
1.46
xZ- eq Almi / Credit - Deposit Ratio
71.09
mjqMi xZ- xqrei lus oM xZ /
Priority Credit to Adjusted Net Bank Credit
33.45
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
461
29159
420723
18.23
22984
166036
301067
24.32
33529
97762
48797
41667
50040
145
6102
11854
43480
36684
6796
2438
4755
6312
5.55
48794
3.98
4.24
12.40
64.83
490.56
14.20
6.96
0.77
46.61
2.57
2.18
68.05
10.63
54.48
522.76
14.42
5.00
0.54
47.22
2.49
1.98
71.56
35.30
42.52
16
lSzM M UmO
2013-2014
DIRECTORS REPORT
17
I.
ur mUuz
2013-14 AjM qlS M saiU ixU uw W exq saiU
xi iqWr q eQm u 5% mU UW | MSr xZrM
xaPl (xLxA) U eU Mr ar Aliq Alql M
AlxU uw 2013-14 M sL eQm u mNs uw M
4.5% M isl q jQ oRi M xj 4.7% Alqli W |
Mw M E u 4.7% (1.4% mNs uw) u Ea
S uw x xjU UW ij 0.4 % (1%) u mmi M | xu
q lqlu SU 6.8% (7%) UW | Ea M iWi oes,
ax AU es Ami l 5.9% (2.3), lqh l 0.7%
(1.1%) M Mq Se M | xu , urmU, WOs, mUuWl u
xcU l 3% (5.1%) M u Se M, oq url, xjuU
xmS u MUoU xuA l 12.9% (10.9%) M u Se M
ij xqSr, xqeM u urai xu l 5.6%(5.3%) M
u Se M |
I.
ECONOMIC ENVIRONMENT
2013-14 was the third consecutive year of economic
slowdown, with GDP growth staying sub-5% for seven
successive quarters. As per the provisional estimates
released by the Central Statistical Organization (CSO),
GDP growth was estimated at 4.7% for 2013-14,
slightly higher compared to 4.5% recorded last year.
While agriculture and allied activities grew higher
at 4.7% (1.4% last year), industry growth stagnated
for 2 years and grew by 0.4% (1%). Growth in services
sector was a tad lower at 6.8% (7%). Under industry
segments, while electricity, gas and water supply
grew by 5.9% (2.3%), manufacturing sector declined
by 0.7% (1.1%). Under services segments, trade,
hotels, transport and communication grew by 3%
(5.1%), financing, insurance, real estate and business
services grew by 12.9% (10.9%) and community,
social and personal services grew by 5.6% (5.3%).
18
19
23% mU AmUuii UZ ar |
uw M SUl Um SU AU LqLxLT SU q mUuil
x mpu
Um SU %
3 qD, 2013
7.25 (-0.25)
8.25 (-0.25)
30 esD 2013
7.25
10.25 (+2.00)
20 xioU 2013
7.50 (+0.25)
9.50 (-0.75)
7.50
9.00 (-0.50)
29 AMioU 2013
7.75 (+0.25)
8.75 (-0.25)
28 eluU 2014
8.00(+0.25)
9.00 (+0.25)
07 AoU 2013
LqLxLT SU %
Effective Since
May 3, 2013
July 30, 2013
September 20, 2013
8.25 (-0.25)
7.50
9.00 (-0.50)
7.75 (+0.25)
8.75 (-0.25)
8.00(+0.25)
9.00 (+0.25)
7.25 (-0.25)
7.50 (+0.25)
October 7, 2013
20
qSuxTi M qa M mWcl Mr el |
Aux: uuMmh qlSQ - xAUD M iWi LM Em xAUD - Auxr Aux eZq kUi u mukl
mU Eci uuMmh ulrqM qlSQ M xj sa Mr el
mxiui j |
mjqMi SzlSz
21
xq u sb
sb Eq:
22
uw 2014-15 M sL SMh
23
ur lwmSl
FINANCIAL PERFORMANCE
sp ij spmSi q oM M lwmSl
lqllxU UW:
oM M mUc
mUcsl
sl sp mNs uw M
24
qc
2013
qc
2014
lkr M sai
6.96
6.80
lkr mU miTs
9.05
eqA mU sai
March
2013
March
2014
Cost of Funds
6.96
6.80
8.79
Yield on Funds
9.05
8.79
7.72
7.42
Cost of Deposits
7.72
7.42
Aaq mU miTs
11.13
10.54
Yield on Advances
11.13
10.54
luz mU miTs
8.12
8.03
Yield on Investments
8.12
8.03
2.09
1.99
Spread as a % to AWF
2.09
1.99
2.40
2.27
2.40
2.27
1.37
1.35
1.37
1.35
0.77
0.54
0.77
0.54
CYuO mU miTs
14.03
10.59
Return on Equity
14.03
10.59
mi MqcU MUoU
(` MUQ q)
14.20
14.42
14.20
14.42
mi MqcU sp (` sZ q)
6.96
5.00
6.96
5.00
oW qsr (`)
490.56
522.76
490.56
522.76
64.83
54.48
64.83
54.48
Ar u urr uz
uzs
swh
25
WA | Ea M mu M AlxU
Aaq mU miTs mNs uw M
11.13% M isl q rj qc 2014
M bO MU 10.54% UW aD | ore
Mqi sai, qsr u miTs AiU
1.99% UW |
me ij AUi lkr
26
UMq (` MUQ q)
(Amt. ` Crore)
me xUcl
qc 2013
oxs III
qc 2014
oxs III
243348
312226
xDO I
23132
xDO I (%)
LO I
LO I (%)
OrU I me
xAULAU (%)(OrU I)
OrU II me
xAULAU (%) (OrU II)
xMs me
xAULAU (%)
Composition of Capital
March 2013
Basel II
March 2014
Basel III
243348
312226
CET I
23132
7.41
CET I (%)
7.41
859
AT I
859
0.27
AT I (%)
0.27
23776
23991
23776
23991
9.77
7.68
9.77
7.68
6388
9205
6388
9205
2.63
2.95
2.63
2.95
30164
33196
30164
33196
12.40
10.63
12.40
10.63
Tier I Capital
CRAR (%)(Tier I)
Tier II Capital
CRAR (%)(Tier II)
Total Capital
CRAR (%)
Shareholders Value
oM M oW qsr q lUiU u Wi UW W | mu ur uw M
27
MUoU xu
BUSINESS GROWTH
eq
Deposits
Total Deposits grew by 18.2% to
reach `420723 crore as at March
2014 compared to `355856 crore a
year ago.
Advances (Net)
Aaq (lus)
28
ZSU Gh mUcsl
In line with the thrust areas set for the year, the Banks
retail lending operations recorded robust y-o-y growth.
rj qc
As at March
2013
2014
mq
(%)
13134
19684
6550
49.9
uWl
1913
3099
1186
Alr urM
3694
5845
4343
23084
Aux
xMs ZSU Gh
(Amt. ` Crore)
Growth
Retail Segments
2013
2014
Quantum
(%)
Housing
13134
19684
6550
49.9
62.0
Vehicle
1913
3099
1186
62.0
2151
58.2
Other Personal
3694
5845
2151
58.2
4901
558
12.8
Education
4343
4901
558
12.8
33529
10445
45.2
23084
33529
10445
45.2
29
z Gh
Education Loans
oM l uw pUi AU uSz q E z
mmi MUl M sL sZ mipul N
M mixWi Mr W| oM M z Gh
xupa M AU oRMU `4901 MUQ
Mr W | rj qc 2014 M oM l 2.5
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 W |
Mw
TREASURY
30
AiUr mUcsl
INTERNATIONAL OPERATIONS
31
"nszUqO" M xu M mUp Mr ar |
Alr xuL
OTHER SERVICES
32
oM M CMD - lr
lrx u MUkl xuL U QocU/mipi
lrxkUi, uxrilq u lwmSMMi, lrxkUi, urM MU
xWri ex xuL Lu qZiUlq xuL M ei W | uw M
SUl, Cxx `2.22 MUQ M Ar Aei WA |
33
Axi ahu
ASSET QUALITY
`5494
5494 MUQ M
Ao iM M xukM lMS uxs
Axi a
ahu
u
34
eZq mokl
Risk Management
35
As a pre-requisite for the implementation of Enterprisewide Integrated Risk Management architecture, the Bank
has procured a Risk Solution that would enable it to meet
requirements of Advanced Measurement Approaches.
Gh eZq mokl
Gh eZq M mok MUl M sL oM M mx up eZq
mokl mhsr W AU urmM lir u Mrukr lri W |
36
37
Axi Sri
i mokl
Axi Sri mokl mhs (LLsLq) cslk AU ore SU
eZq xok qqs M xsfi W iM Mqi-sai AiU,
spmSi Lu Sbuk uruWri M oc oWiU xisl olr
UZ e xM| oM M lSzM qQs l Axi Sri mokl xok
Mr, Axi u Sri M up bOM M sr ore SU M
lkUh, ElM xUcl, mUmYui u Auk- lkUh M Mr M
SZUZ MUl Wi `Axi Sri mokl xqi' (LLsxA) M
aPl Mr W|
xqW eZq
oM M up Alwar, xr Eq u mrei CMCr W, e
oWArq aiukr q sa WL W | YrM, oM M Cl xqWM
DMCr q mrmi WxxSU W, oM l `xqW eZq mokl li'
M Amlr W iM AiU xqW xuruWU M eZq M mWcl
MUi WL ElM Eci mokl Mr e xM AU xqWM DMCr
M oc Wi M OMUu x oci WL/Mq MUi WL, MmUO aulx
M xiU M EPr e xM AU urmU qlShQ M xok q Cl
DMCr M oc ``xui xuruWU M xi'' xli Mr e
xM |
Group Risk
The Bank has various Subsidiaries, Joint Ventures and
Sponsored Entities which are engaged in diversified
activities. As the Bank has considerable stake in these
Group Entities, it has adopted a Group Risk Management
Policy to identify and manage risk in Intra Group
Transactions and Exposures to raise the standard of
Corporate Governance by reducing /avoiding Conflicts
of Interest between the group entities and to ensure
Arms Length Principle among the entities, in regard to
business parameters.
Ur mjqMiL
NATIONAL PRIORITIES
Priority Sector Advances
mjqMi Aaq
oM, Mw, xq Lu sb Eq, z, Aux, xq xZ,
MqeU ua, Al.ei/el ei AU lS AsmxZrM xqSr
xWi Ur mjqMiA M up sr M mmi M qWiu
Si A UW W|
(Uz ` MUQ q)
mjqMi Aaq
qc iM
2013
2014
u
Uz
Priority Sector
Advances
As at March
2013
Growth
2014 Amount
Ms mjqMi
78998 97762
18764
23.8
78998 97762
18764
23.8
Mw
40786 48797
8011
19.6
Agriculture
40786 48797
8011
19.6
mir Mw
37984 44268
6284
16.5
Direct Agriculture
37984 44268
6284
16.5
38
Amount
138.24
256.51
181.29
94.20
1.40
145.19
816.83
39
oMr
Sectors
Outstanding
Small & Marginal Farmers, Landless
Labourers, Tenant Farmers and Share
Croppers
25279
Artisans, Village and Cottage Industries
733
SC/ST Beneficiaries
6102
DRI Loans
145
SGSY Beneficiaries
181
SJSRY Beneficiaries
94
SHGs/NGOs/MFIs
1902
Advances to SLRS
1.40
25279
733
6102
145
181
94
1902
1.40
rj qc 2014 M lS Asmlx
Asml xZrM xqSr M Sr ar
Ms Aaq `17785 MUQ UW e 15% M lkUi xjU M isl
q Ms mjqMi M Sr ar Aaq M 18.19% UW |
Ur aq euM qzl
MSME Lending
Advances to MSMEs increased to `50040 crore as at
March 2014, with a y-o-y growth of 35.2%. Credit to
M&SE segments rose to `36703 crore, with a 37.9%
LqLxLqD EkU
rj qc 2014 M xq sb u qkrq Eq (LqLxLqD) M
mSl Mr ar Aaq `500.40 MUQ UW exM uwluw u
40
41
ur xquzl
Financial Inclusion
42
Gh xoi
ur mWc xli MUl M Sz q oM U Mr ar LM
AU xjM mrx W eW oM l MlU lr Sz rel M
iWi Cl-osO AuU QnO (ADAQ), Mxl QO MQ
(Mxx), xqlr QO MQ (exx), upSM ore SU rel
(QAUAD), xu xWri xqW (LxLce), xq Gh xqW
(Lqxe), xq oq u xq mzl ex up Alr xukL
mSl M W |
Credit Linkage
Financial deepening is yet another endeavour by the
Bank in providing various 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.
IODs - In built OD facility permitted to 3.22 lakh
beneficiaries, amounting to `43.65 crore.
KCCs - During the year, the Bank issued 4.97 lakh KCCs,
amounting to `7095 Crore. As at March 2014, the
credit outstanding under KCCs was at `8031 crore.
Micro Insurance
xq oq
uw M SUl oM l xq oq li M iWi 61247 oLxoQ
ZikUM M oq muUh qWr MUr |
43
xq u zZL
zZA l Ms `344 MUQ M MUoU eOr W |
oM l zWU MlS q 20 xq u
zZL Zs W | Cl
44
AkU lqMl
10 Uer q 2.37 sZ luxr M muUi MUi WL AkU
lqMl M sL mreM mUrel AUqp M aD W | oM,
pUir uz mWcl mkMUh M xj AkU mr mqhl
(LrL) xqfi mU WxiU MUi WL mWs W xqfi MU cM
W AU pUir Ur pail laq(LlmxAD) M xj AkU
xqji pail mhs (LDmLx) u AkU pail oe mhs
(LomLx) M sL p xqfi Mr W | oM pUir Ur
pail laq (LlmxAD) AU rADQLAD (pUir uz
mWcl mkMUh) M oQ q W | oM Lsme xoxQ M mir
QO M mraM mUrel q p pa s UW W |
AADHAAR Enrolments
45
rj 31.03.2014
Bank as a Whole
121
As on 31.03.2014
No. of Districts
121
1181
1181
Zs aL lL Zi M xZr
129602
129602
AkU x eQ aL Zi M xZr
103350
103350
1181
1181
Aah oM rel
Ur Uekl Sss M 03 qO es q oM M AiU Aah
oM EUSriu Sr ar W | CxM xj W oM M Aah oM
EUSriu M xZr oRMU Sz M 29 es q W aD W elq
x MlOM q 08, iqslQ q 07 MUs u EUmSz q 05, Sss
q 03 AU oWU q 01 es q W | MUs q rW oM UerxiUr
oMx xqi (Lx o Lxs x) M xreM W |
46
aqh uMx
aqh ruA q Eqi uMx u xuUeaU aiukr M
oRu Sl M M sL MlU oM zioS aqh uMx OxO
(xoxAUQO) M qkrq x oM l 26 aqh xuUeaU
mzh xxjl, 05 xcl maM xxjl u 03 zsmMU
mzh xxjl xWi 34 uz mzh xxjl xjmi Mr
W| uw 2013-14 M SUl Cl xxjl U 26251 Aprjr
M mzi MUl M xj W mpuzs lmOl 73% M SU x
zAi x Ae iM oUeaU ruM M mzi MUl M xZr
2.16 sZ W aD W |
Rural Development
The Bank, through its Canara Bank Centenary Rural
Development Trust (CBCRDT), has established 34
exclusive training institutes, including 26 Rural
Self Employment Training Institutes, 5 Institutes of
Information Technology and 3 Artisan Training Institutes
to promote entrepreneurship development among rural
youth and encourage them taking up self-employment
activities. During 2013-14, these Institutes trained 26521
candidates, taking the tally to 2.16 lakh unemployed
youth since inception, with an impressive settlement
rate of 73%.
47
au q QnsUQ
UQzl Uux Bxqxx msO: oM l
cMossmU u MsU es M 217 au q z mr es
xuk Emsok MUl M sL QnsUQzl Uux Bxqxx
msO M qWiuM mUrel M zAi M W | Cx
mUrel M sai sapa `17.36 MUQ W |
48
49
zZ lOuM
zZ lOuM M xUcl
zZA M xZr
qOmsOl
811
894
83
zWU
795
928
Ak zWU
1055
aqh
uSz
Ms zZL
Opened
during the
31.03.2013 31.03.2014
year
No. of Branches
uw M SUl
Zs aL
31.03.2013 31.03.2014
Category
Metropolitan
811
894
83
133
Urban
795
928
133
1484
429
Semi-urban
1055
1484
429
1062
1444
382
Rural
1062
1444
382
--
--
3728
4755
1027
3728
4755
1027
Overseas
Total Branches
31.03.2014
143
30
20
14
11
11
10
6
5
3
2
2
2
1
1
1
262
1. SMEs
2. Mid Corporate Branches
3. Micro Finance
4. Asset Recovery Management
5. Prime Corporate
6. Overseas
7. Agri-Finance
8. NRIs
9. Savings
10. Industrial Finance
11. Stock Exchange
12. Capital Market
13. Mahila Banking
14. Housing Finance
15. Branch for Physically Challenged
16. Specialized Govt Business Branch
TOTAL
50
31.03.2014
143
30
20
14
11
11
10
6
5
3
2
2
2
1
1
1
262
51
elz mTCs
qc, 2014 M oM q 48794 MqcU j |
qc 2013
MqcUr M Ms xZr
42693
AkMU
17835
YsM
16095
Aklxj MqcU*
8763
qc 2014
48794
20878
18770
9146
March 2013
42693
17835
16095
8763
March 2014
48794
20878
18770
9146
52
Alxci ei
3686
3510
Alxci el ei
1414
1092
2648
444
9844
2950
Cadre
Officers
Clerks
Sub-staff + PTEs
Total
53
1414
1092
444
2950
(d) The Bank has setup SC/ST Cell at the Head Office
and also at Circle Offices to ensure maintenance
of Rosters and implementation of other aspects of
Reservation Policy.
54
55
56
umhl AU mcU
Customer Orientation
aWMlqZi
57
mi Lu mrL
58
Vigilance Setup
xiMi uruuxj
59
Security Arrangements
Out of 4750 branches and 99 currency chests in
60
mUuz q xkU
uw M SUl oM M 650 zZA q mUuz xkU Mr MUr
ar AU cs uUr uw M SUl zw 1280 zZA q rW
Mr mU Mr eLa | ``zZU mUrel'' M iWi o.x.e. M
xTUz M AlxU zZ sAFO M OMl mSzl uruxj M
xj LMs ZQM xu M sL mUuir Mr e UW W | mjq
Tx q 51 zZA M mrsO AkU mU zlZi Mr ar W
AU uw M SUl Cx 600 AU zZA iM uxiUi Mr eLa
| msZ mokl AU UMQ phQiUh mhs M zpUp mxiui
W e li m x mUuz q xkU sLa AU xj W Mrsr
xjl M AuzrMi M Mq MUa AU mUhqxuim MUr
urkr q MOi Wa |
Ambience Improvement
During the year, ambience improvement work was carried
out in 650 branches of the Bank and the remaining 1280
branches will be completed during the current financial
year. As per BCG recommendations under Project
Shikhar, branch layouts are being transformed for single
window service along with token display arrangement.
51 branches are identified on pilot basis in the 1st phase
and this will be extended to another 600 branches during
the year. Introduction of Document Management and
Record Storage System is on the anvil, which augurs well
for improving the ambience apart from reduction in
requirement for office space and consequent reduction
in rental expenditure.
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 3190
xcl M AkMU AuSl, 561 mjq Ams ij 90 ir
Ams mmi M |
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 3190 RTI applications, 561 First Appeals and 90
Second Appeals as per the provisions of RTI Act, 2005.
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 |
61
62
q pUir
xqir aPi W |
ZsMS M muil
Promotion of Sports
63
ur xmUqMO
FINANCIAL SUPERMARKET
64
65
66
r aqh oM ((AUAUo)
AUAUo)
67
mUxMU / mzx
AWARDS/ACCOLADES
SKOCH
AWARD
Responsibility.
Unity
International
Foundation
conferred
Outstanding Banker of the Decade Award.
under
Corporate
Social
68
u Aux Gh mSi
2013 Wi BEOsM ql x xu
mUxMU |
69
oM M up lir
70
u Lx Mwh M
MqU
u Lx Mwh MqU 1981 q xk pi AkMU M m q
CsWoS oM q lr WL | il SzM q Ts Aml MUrU
M SUl ClWl Sz pU q AlM zZA u mpa M
He carries with him vast knowledge and multidimensional banking experience, spanning over 32 years
with expertise in Credit, Inspection, Vigilance and Human
Resources Management.
Akri M |
r QO, lUh, xiMi AU qlu xxkl molkl q uzwi
M xj 32 uw x AkM M uzs l AU oW - Arq
oM M oQ q 26.07.2013 x lqMi WL |
xer el
xer el M oM M lSzM qQs q 27.07.2013 x mpu
3 uw M Auk M sL zrU kUM lSzM crli ML aL W |
71
Mr M lwmSl Mr |
u LM E Alpu OYl- AjM xpuri Akrrl, sZ
mUi Zi, xaq sZmU M mlec u oADLTAU M
AlqSi mlux mMe M AlxU al u oQ EkU Zi M
He carries with him vast knowledge and multidimensional banking experience, spanning over 34 years
with expertise in Operations, Credit, Inspection, Stock
Exchange and Overseas Operations.
xDUq o. qcs
xDUq o. qcs M 05.12.2013 x mpu 3 uw M Auk
M sL MlS xUMU U oMa Mml (Emq M AkaWh u
AiUh) Aklrq, 1970 M kU 9 (3) (Lc) M iWi AzMsM
aU AkMUM lSzM M m q lqi Mr ar W |
M m q zmUi 22 uw M Alpu W |
ElWl oM BT oQS, MlU oM, xOs oM BT CQr, meo
72
73
klruS
ACKNOWLEDGEMENT
Ueu MzU So
Akr u mok lSzM
R K DUBEY
CHAIRMAN AND MANAGING DIRECTOR
74
pa M: oM M xqlr elMU
1.
4. uoxCO: www.canarabank.com
4. Website: www.canarabank.com
5. E-mail id: edscrt2@canarabank.com
5. D-qs: edscrt2@canarabank.com
i.
pa Z: Mml M ur uuUh
1.
2. Ms MUoU (`q
( q): Ms MUoU `721790 MUQ (Ms
eqL: `420723 MUQ + lus Aaq `301607 MUQ)
3. MU mi Ms sp (`q): `2438 MUQ
75
5. E qS 4 q ML aL Zc M rMsm M xc:
.
x.
rMsm
mrei
Uz
xuiUi
xZr (` sZ q)
Uz
(` sZ q)
Sl Activity
No.
M z
340
1005.52
620.67
a Education
340
1005.52
620.67
Z xuxjr
104
2138.03
301.89
b Health
104
2138.03
301.89
a Sl / xxMiM /
Zs
84
18.57
18.57
84
18.57
18.57
b xqeM Msrh u
UWi
346
1582.72
680.08
346
1582.72
680.08
Q. Fe xUh
21
208.41
75.87
e Energy Conservation
21
208.41
75.87
c qWs Msrh
46
60.79
53.49
Women Welfare
46
60.79
53.49
N Mzs uMx
2075.94
1841.62
g Skill Development
2075.94
1841.62
e qZr q
UWi Mw
605.55
605.55
h Chief Ministers
Relief Fund
605.55
605.55
Ms
c Charities/Culture/
sports
d Social Welfare &
Relief
Total
a. Education
((` sZ q)
Ezr
qeUi
Uz
xuiUi
Uz
11.23
11.23
2 xcUrl
uusr,
pulU
MmrOU mzh
MlS M xjml
25.00
25.00
3 WqU xp
aqh zZL
u eri
rel M iWi
Ae/Aee
N M Nu
238.95
123.02
4 up eaW q
N usr
N usr
M 13
339.00
192.63
mipzs N
5 Aeq mqe
TEQzl, oasU M sL Nu
11.10
5.55
6 MlOM MlSr
uusr,
asoa
50.00
aqh uMx mU
Akrrl M sL
crU
Sl
No.
Name of
Donee
1 Prayas Social
Welfare
Society,
Faridabad
2 Centurion
University
Bhubaneshwar
76
Purpose
(` in lakh)
Amount
Amount
sancdistioned
bursed
Free Education
to poor
students
11.23
11.23
Establishment
of computer
training
centre
3 All our Rural
Scholarships
branches
toSC/ST
students
under Vidya
Jyothi scheme
4 Girls schools in Providing 130
various places toilets to Girls
schools
25.00
25.00
238.95
123.02
339.00
192.63
5 Azim Premji
Foundation
Bangalore
Scholarships
to meritorious
students
11.10
5.55
6 Central
University of
Karnataka,
Gulbarga
Chair for
studies
on Rural
Development
50.00
7 MlU E
qkrqM
usr, qasU
8 MlU oM Ae/
Aee xb,
oasU
9
10
11
12
13
14
15
16
17
18
19
20
21
22
NA M sL
100.00
xMs osQa M
lqh
MmrOU mzh
9.82
MlS M sL
MmrOU ij Alr
xWrM EmMUh
AzMUh xMs, qlxM m x
10.00
zqa
Aq M sL 3
ML
Wos ij
Mmx lk M
50.00
Axmx M qkrq x aUo
N M xWri
x mipzs
aUo N
pUir u
mzh MlS M
5.00
sL MmrOU
pul, oasU
MlU oM eos sCoU BOqzl
5.00
z lk
AU mxiM M
ZUS
pullS u
usr M sL
2.50
xxj, cMqasU TlcU
xu z
ahi xZl M
2.48
Aprl (Lx Lx mWs
L), qbsr
MlU oM M
TlcU, QxM,
53.01
oc, MmrOU, es
up zZL
zkM, Mm,
oxi
xqlj Nsr, AkrmMA M
60.00
AWqSoS
mzh M sL
xqlj Nsr
M qUqqi
LlQxsTl x LlQxsTl x
20.00
mQi, MxUaQ mQi mUuU
M N M sL
Nu
qOss ul mxiMsr M
3.12
qWusr
xkU
Mw ul
Lqoslx M
4.34
uusr
ZUS
UqMwh
150 u eri
5.00
qzl usr
xR qP, ul M sL Sl
7.22
Wos
AkUpi xUcl
AU Siur
0.75
lrx
Ms
1005.52
7 Canara High
School,
Mangalore
100.00
Construction
of school
building for
girls
Computers &
accessories
for computer
training centre
3 class rooms
for mentally
challenged
Hand holding
to poor
students
through
Corpus fund
8 Canara
Bank SC/ST
Association,
Bangalore
9 Ashakiran
school,
Shimoga
10 Poor
meritorious
students
from Hubli &
surrounding
areas
11 Bharatiya
Computers for
Vidya Bhavana, training centre
Bangalore
12 Canara
Automation
Bank Jubilee
of Library &
Education
purchase of
Fund
books
13 Bhuvanendra Furniture for
Vidya Samsthe, school
Chikmagalur
14 Sarva Shiksha Maths
Abhiyana SSA), learning
Meghalaya
initiatives
15 Various
Furniture
branches of
items, Desk 7
Canara Bank
benches,
computers,
water purifier,
note books,
bags,
16 Somnath
Repairs to
Chhatralaya, Somnath
Ahmedabad
Chhatralaya
for training
to women
teachers
17 Endosulfan
Scholarships
Victims,
to students
Kasargod
from
endosulfan
victims
families
18 Motilal Vigyan Library
Mahavidyalaya improvement
19 University of Purchase of
Agricultural
Ambulance
Sciences
20 Sriramakrishna 150th Birth
Mission
Anniversary
Vidyalaya
9.82
5.00
5.00
2.50
2.48
53.01
45.00
20.00
3.12
4.34
5.00
7.22
0.75
620.67
77
100.00
100.00
9.82
9.82
10.00
50.00
5.00
5.00
5.00
5.00
2.50
2.50
2.48
2.48
53.01
53.01
60.00
45.00
20.00
20.00
3.12
3.12
4.34
4.34
5.00
5.00
7.22
7.22
0.75
0.75
1005.52
620.67
Z. xuxjr
b. Health
(` in lakh)
(` sZ q)
.
Sl aW M lq
x.
Ezr
1 qjl lrx,
uzZmhq
qUe M xWri
M sL 4 mWL
uWl mSl MUl
2 Lx urx
uusr,
oasU
ra Ws M
lqh
3 o o Lq uD A, elUM xuxjr
MsWQ, AQz zuU M
Arel
qeUi
Uz
xuiUi
Uz
6.92
6.92
15.00
5.00
10.00
10.00
Sl
No.
Name of
Donee
Purpose
1 Manthana
Providing 4
Trust,
wheeler to
Visakapatnam serve patients
Amount Amount
sancdistioned bursed
6.92
6.92
2 S Vyasa
University,
Bangalore
Construction of
Yoga Hall
15.00
5.00
3 BBMYO,
Kalhandi,
Orissa
Conducting
Generic Health
camps
10.00
10.00
4 Az Sr
u qkqW
TEQzl,
Wos
cMix ec
zuU M
Arel
3.50
3.50
4 Asha Heart
& Diabetes
Foundation,
Hubli
Organising
medical check
up camps
3.50
3.50
5 Msor Lzr
Axmis, oasU
OCqx BT
CQr M qkrq
x Aa Sl
Aprl
5.00
5.00
5 Columbia
Asia Hospital,
Bangalore
Organ donation
campaign
through Times
of India
5.00
5.00
6 paUj es
rel, WSUoS
Ak mSz M 18
au q QnsUCQzl msO
36.00
36.00
6 Bhagirathi
Defluoridisation
water scheme, plants in 18
Hyderabad
villages of AP
36.00
36.00
7 xqiuq
l xeul
Axmis,
oasU
qkqW M sL
cMix EmMUh
88.75
88.75
7 Samatvam
Gnana
Sanjeevini
Hospital,
Bangalore
Medical
Equipments for
the Diabetes
88.75
88.75
8 xu Axmis, Axmis M sL
oasU
cMix EmMUh
69.34
14.20
8 Sevakshetra
Hospital
Bangalore
Medical
equipments for
the Hospital
69.34
14.20
QnsUCQzl
9 eQ
MwhmU
msO
au, cMossmU,
MlOM
6.06
6.06
9 Jodi
Deflouridization
krishnapura
village, Chikka- plant
ballapura,
Karnataka
6.06
6.06
10 es Axmis,
cMossmU
6.24
6.24
6.24
6.24
Axmis M sL
Qrsxx rlO
78
11 qlO
BnisqM
Axmis,
oasU
Axmis M
sL BmUOa
qCxMm
9.99
9.99
35.00
1736.00
69.31
69.31
11 Minto
Ophthalmic
Hospital,
Bangalore
Operating
Microscopes to
the Hospital
9.99
9.99
35.00
1736.00
69.31
69.31
14 MlU oM M
up zZL
ij MN Ll e
A
xuxjr
ec zuU,
U Sl
zuU,
Si ec
zuU,
Axmis M
EmMUh
Emsok
MUl
15 UqMwh qzl
Aq
cMix
Mrq
1.50
1.50
15 Ramakrishnas Medical
Mission
Programmes
Ashrama
1.50
1.50
16 MxU CxOO,
Sss
cMix EmMUh
5.00
5.00
16 Cancer
Medical
Institute, Delhi Equipments
5.00
5.00
Lqoslx
17 z Aqq
xuxjr xu lrx
9.25
9.25
9.25
9.25
18 MlOM sari
z xxCO
8.05
8.05
17 Sri Sakthi
Ambulance
Amma Health
Care Trust
18 Karnataka
Lingayath
Education
society
8.05
8.05
4.48
4.48
7.64
7.64
21 Dr. M L
Infrastructure
Dhawale
Memorial Trust
5.00
5.00
2138.03
301.89
xxCO M
Axmis M sL
Lqoslx
4.48
20 qzl A,
pulU
Lqoslx
7.64
7.64
21 Q. Lq Ls
kus xqUM
lrx
AkUpi xUcl
5.00
5.00
Ms
14 Various
branches of
Canara Bank
and few NGOs
4.48
2138.03 301.89
Total
79
Conducting
health check
up camps,
Blood donation
camps,
Dental check
up camps,
providing
medical
instruments to
hospitals etc.,
Ambulance to
Hospital of the
Society
a. Sl
c.
Charities
(` sZ q)
.
Sl aW M lq
x.
Ezr
qeUi
Uz
xuiUi
Uz
1 mxOu
mrms,
au
qxM
pel urr
1.60
1.60
2 MlU oM
Aqqos
zZ
MUlQ WlS
Spq
1.00
3 iqs
imi
Suxjlq
xxMi
Mrq
4 AZs
WurM
qWxp
Sl
No.
Name of
Donee
Purpose
(` in lakh)
Amount Amount
sancdistioned bursed
1.60
1.60
1 Positive
people, Goa
Monthly food
expenditure
1.00
2 Canara Bank
Ammembal
branch
Kurnadu Hindu
Rudrabhoomi
1.00
1.00
1.25
1.25
Cultural
Programmes
1.25
1.25
N M sL
Nux pul
5.00
5.00
3 Tirumala
Tirupathi
Devasthanams
4 Sri Akhila
Havyaka
Mahasabha
Hostel Building
for Students
5.00
5.00
5
xulrM
ahmi qSU
lrx
x NOl
qzl
6.50
6.50
Coin sorting
5 Sri
Siddivinayaka Machines
Ganapathi
Mandir Trust
6.50
6.50
6 ira
o qWixu
xp
el xO
3.22
3.22
Donation of
Gen set
3.22
3.22
18.57
18.57
18.57
18.57
Ms
6 Sri Thyaga
Brahma
Mahotsava
Sabha
Total
(` in lakh)
(` sZ q)
.
Sl aW M lq
x.
Ezr
qeUi
Uz
xuiUi
Uz
Sl
No.
Name of
Donee
5.36
5.36
1 Divya jyothi
Charitable
Trust, Mysore
2 xqjlq lrx,
oasU
uMsa M sL
oMU iZi
4.05
4.05
3 paul
qWuU
Mq Aa,
ermU
ermU TO Mq
Aa zuU
99.75
70.00
80
Purpose
Braille Box
printing
machine
Amount Amount
sancdistioned bursed
5.36
5.36
4.05
4.05
3 Bhagwan
Jaipur foot
Mahaveer
artificial limbs
Artificial Limbs, camps
Jaipur
99.75
70.00
4 UqMwh
qzl,
lD Sss
5 WqU
up
zZA M
U
6 LlQxsTl x
mQi, MxUaQ,
MUs
aUo M sL
lCO zsOU M
lqh
5 au M
LMMi uMx
30.00
30.00
4 Ramakrishna
Mission, New
Delhi
Construction of
Night shelters
for poor
30.00
30.00
100.00
100.00
5 Various
branches of
Canara Bank
100.00
100.00
LlQxsTl x
mQi M sL
UWi
33.00
33.00
6 Endosulfan
victims,
Kasargod,
Kerala
Integrated
village
developments
of 5 villages
Relief to
Endosulfan
victims
33.00
33.00
7 czU Wqx,
oasU
oea M sL
osQa M lqh
15.00
15.00
15.00
15.00
8 xkr, qasU
qlxM m x
Aq M sL
Auxr usr
9.00
9.00
9 MlU oM M
zZA M
qkrq x
63 au
MlU aqSr
au aS sl M
rel
883.82
224.00
883.82
224.00
10 MlU oM M
zZA M
qkrq x
zUUM /
qlxM m x
Aq M sL
xWri |
uWl, EmMUh,
elxO,
TlcU AS
mSl MUl
368.38
173.31
7 Cheshirehomes, Construction of
Bangalore
building for old
age
8 Saanidhya,
Residential
Mangalore
school for
mentally
challenged
Canara
9 63 villages
through
Gramodaya
Canara Bank
village
branches
adoption
schemes
10 Through
Assistance to
Canara Bank
physically/
branches
mentally
challenged,
Providing
vehicles,
equipments,
Gensets,
furniture,
368.38
173.31
3.32
3.32
Braille machine
for blind
students
3.32
3.32
12 sOs xxOx
BsQ Le Wq,
oasU
13 Ak usr,
McqMQ,
iqs lQ
BsQ Le Wq
q LM M M
lqh
Ak usr M
TlcU, EmMUh,
os qzl
5.26
5.26
5.26
5.26
12.04
12.04
12 Little sisters
Construction of
Old age home, 1 room in the
Bangalore
old age home
12.04
12.04
14 AUxO
cMossmU M
mzhjr
zUUM m
x Aq
mzhjr M
sL qOU r
imWr uWl
0.52
0.52
0.52
11 Ambubai
Residential
blind school,
Gulbarga
0.52
81
13 Blind school,
Kanchikamakodi, TN
Furniture,
equipments,
Braille
machines to
blind school
14 Trainees
of RSETI
Chikballapur
Motorised
tricycle to
disabled
15 qaSz, oasU
zUUM m x
Aq qWsA
M sL Ws
3.22
3.22
16 xkrSm BsQ
Le Wq, oasU
qWsA M BsQ
Le Wq M sL
Te, aCQU
3.22
3.22
17 SWl M sL oM oCQa
Ur xb
mUrel
3.22
3.22
18 Uqh qWw
os qzl
3.22
3.22
19 ui lrx
BsQ Le xWri
3.22
3.22
18.57
18.57
Ms
15 Margadarshi,
Bangalore
Hall for
disabled
women
16 Sandhyadeepa Fridge, Grinder
Old age home, to Old age
Bangalore
home for
women
17 National Assn Book Binding
for Blind
Project
18 Sree Ramana Brailee
Maharshi
Machines
19 Vishranthi
Old Age
Trust
Assistance
Total
Ezr
qeUi
Uz
ocL aL o
M sL xU es
WOU
0.63
0.63
2 zUUM m x
Aq M sL
AUqbU, WSUoS
3 xlM xMs,
MQa
4 SzmQ QxO,
Wsrs
xU es WOU
u mMz M
uruxj
xMs M sL
xU Fe msO
auus M xU
Fe ssOl M
uiUh
xxj M sL
xU Fe ssOl
7.51
7.51
40.00
40.00
1.57
1.57
2.31
2.31
18.59
7 euWU luSr
usr,
ciqh
isM,
cMossmU
es, MlOM
euWU luSr
usr M xU
Fe es WOU u
mMz M uruxj
24.80
8 MroU es, ul M
iqslQ M au xqui 5 au
q xU Fe sCO
1.00
1.00
5 umwM
ral, EQmm
0.25
0.25
2.00
2.00
0.97
0.97
1.00
1.00
1582.72
680.08
(` sZ q)
xuiUi
Uz
1 oxM, oasU
9.00
5 Vidyaposhak
Yakshagana,
Udupi
82
Solar lights to
the Institute
2.31
2.31
18.59
7 Jawahar
Navodaya
Vidyalaya,
Chintamani
Taluk,
Chikballapura
District,
Karnataka
8 Villages in
Coimbatore
District,TN
Solar water
heaters &
lighting
systems to
Jawahar
Novodaya
Vidyalaya
24.80
Solar lights
in 5 villages
bordering to
forest area
1.00
1.00
9 Mmms,
MlOM M
au
10 ulqWixuMlU oM M
zZL
Ms
Mol lrOs au
15.00
5.85
LM sZ mk M
Umh / uiUh
97.00
17.00
208.41
75.87
9 Village in
Koppal,
Karnataka
10 Vana mahotsava
- Canara Bank
branches
Total
f.
c. qWs Msrh
. Sl aW M lq
x.
Ezr
Uz
(` sZ
q)
xuiUi
Uz (`
(
sZ q)
50.00
42.70
xur xWri
xqW DQm
mzh- uWl
7.79
7.79
AkUpi xUcl
3.00
3.00
60.79
53.49
1 MlU oM M
up Acs
Mrsr M
qWs Eq
uMx MlS
qWsA
M sL Eqi
uMx
Mrq M
Arel,
qWsA M
mUqz qWs
Eqr M sL
qMOa AEOsO
M Arel
2 iqs lQ
qWs DQm
3 qWs Si
xqi
Ms
15.00
5.85
Planting/
distribution of
1 lakh saplings
97.00
17.00
208.41
75.87
Women Welfare
Sl
No.
Name of
Donee
Purpose
Infrastructure
Amount Amount
(` Lakh)
disbursed
(` Lakh)
50.00
42.70
7.79
7.79
3.00
3.00
60.79
53.49
g. Skill Development
N. Mzs uMx
. Sl aW M lq
x.
Carbon neutral
village
Ezr
1 EQl Mrq,
eqq u MzqU
oUeaU 300
ruM M
mzh
2 Mml xcu,
qlu xxkl
upa
Mml xcu
M sL mzh
Mrq
Uz
(` sZ
q)
xuiUi
Uz (`
(
sZ q)
300.00
101.00
37.50
2.18
2.00
2.00
Sl
No.
Name of
Donee
1 UDAAN
programme,
J& K
Purpose
Amount Amount
(` Lakh)
disbursed
(` Lakh)
Training to 300
300.00 101.00
unemployed
youth
2 Company
Training
Secretaries, H R programme
wing
to Company
secretaries
3 Jain University, Workshop
Bangalore
on material
culture
83
37.50
2.18
2.00
2.00
4 qWU pau
TEQzl,
sZlF
Axukaxi
qWsA /
sQMr M
MmrOU mzh
5.05
5.05
5 MlU oM
zioS aqh
uMx lrx
(xoxAUQ),
oasU
SzpU M 27
AUxO, 3
MUaU mzh
xxjA ij 5
xoADADO
M mzh Zc
mSl MUl
890.00
890.00
6 aqh uMx
u xuUeaU
mzh xxjl
(QxO), EeU,
MlOM
xmh pUi M
27 QxOr M
mzh
Zc M
40% Emsok
MUl
271.00
271.00
7 SzmQ
aqh uMx
mzh
xxjl (Q
QxO),
Wsrs, MlOM
SzmS QxO
Wsrs M
mzh Zc
M 50% Emsok
MUl
23.75
23.75
8 Ak mSz
aqh u Eqi
uMx oMx
xxjl
(L m o A
D AU D Q),
WSUoS
LmoADAUDQ
xxjl M
mzh Zc
M 10% Emsok
MUl
9.89
9.89
9 MqcUr M
up xxjl
(AUxO,
QxO, Q
QxO)
uil / MqcU
urr (xLxAU
Quel, mkl
Mrsr q
MrUi MqcU
xWi)
Ms
4 Meher
Bhargava
Foundation,
Lucknow
5
536.75
536.75
9 Various
Institutes
staff (RSETI,
RUDSETI, D
RUDSETI)
Total
2075.94 1841.62
Salary/staff
expenses
including staff
working in CSR
Division, HO
5.05
5.05
890.00
890.00
271.00
271.00
23.75
23.75
9.89
9.89
536.75
536.75
2075.94 1841.62
pa a: Alr uuUh
1.
Computer
training
to under
privileged
women/girls
Providing
Canara Bank
training cost
Centenary
Rural
of 27 RSETIs, 3
Development Artisan Training
Trust (CBCRD), Institutes and
Bangalore
5 CBIITs all over
India
Rural
40% training
Development expenditure of
and Self
all 27 RUDSETIs
Employment all over India
Training
Institute
(RUDSETI),
Ujire,
Karnataka
Deshpande
Providing 50%
Rural
of training
Development expenditure
Training
of Deshpande
Institute (D
RUDSETI,
RUDSETI),
Haliyal
Haliyal,
Karnataka
Andhra Pradesh Providing 10%
Bankers Institute of training cost
of Rural and
of the APBIRED
EntrepreneuInstitute
neurship
Development
(APBIRED)
Hyderabad
Yr Mml M M
MD Alwa Mml / Mmlr W?
W, Mml M xi bUs Alwar, LM xWra Mml AU
uSz q LM xr Eq W M) MloM ucU MmOs TQ s.
84
Z) MloM TYOU s.
b)
c)
d)
e)
a) MlU oM xYrUUOe s.
b) MloM MmrOU xuxe s.
X) MloM TClxrs xuxe s.
i)
Alw
wa
Mml/Mmlr
oAU
mWs
miM
Mml M xj pa si W? rS W W Lx Alwa(r)
M xZr S|
Nil
pa b: MUoU EUSriu
EUSriu xcl
Section D: BR Information
1.
oAU M sL E
EUSr
Sr lSzM
orU
QADLl xZr
lq
mSlq
S.
No.
uuUh
1
2
3
06701854
mql xW Uui
MrmsM lSzM
DIN Number
Name
Designation
Details
06701854
Shri P S RAWAT
Executive Director
Particulars
S.
Particulars
No.
1. DIN Number
(if applicable)
2. Name
3. Designation
4. Telephone number
5. e-mail id
uuUh
sa lW
Lx Lx p
qW mokM
08022128840
pcfiw@canarabank.com
85
Details
Not Applicable
Shri S S Bhat
General Manager
08022128840
pcfiw@canarabank.com
.x. mzl
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
lW lW lW lW lW lW lW lW lW
$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
86
2M)
M)
.x. mzl
1
Mml xi M lW xqf mD
5
6
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
1
The Company has not understood the Principles
2
P1
P3
P4
P5
P6
P7
P8
P9
5
6
P2
3. Governance related to BR
Indicate the frequency with which the Board
of Directors, Committee of the Board or CEO to
assess the BR performance of the Company. Within
3 months, 3-6 months, Annually, More than 1 year
3-6 qWl
Yr Mml LM oAU r xjUi UmO mMzi MUi W? Cx
UmO M SZl M sL Yr WDmUsM W? Mil AiUs mU
Cx mMzi Mr ei W?
3-6 months
Does the Company publish a BR or a Sustainability
Report? What is the hyperlink for viewing this report?
How frequently it is published?
The Report published annually and made available
under the hyperlink www.canarabank.com/english/
scripts/Annualreport.aspx
87
pa Q.: xi uU lwmSl
1.
88
1.
i.
89
ii
i.
sa lW
Not Applicable
Mq?
90
5. Yr Mml M EimS AU Am
Amz
M mllulMi MUl
M MD i W? rS W i EimS ij Amz M Mil
mizi mllulMUh Mr e UW W ((5%
5% x Mq, 5-10%
5-10%,, 10
10%
83.12%
Officers Association
83.12%
MqcU rlrl
74.03%
Workmen Union
74.03%
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 Mil W|
.
x.
ur uw M
SUl zMri
M xZr
ur uw M
xqmi mU soi
zMri M
xZr
os q,
oaU,
AxucNM q
zlr
zlr
rl EimQl
zlr
zlr
pSpumh
UeaU
zlr
zlr
S. Category
No.
2
3
91
Child labour/
forced labour/
involuntary
labour
Sexual
harassment
Discriminatory
employment
No. of
complaints
filed during
the financial
year
No. of
complaints
pending as on
end of financial
year
NIL
NIL
NIL
NIL
NIL
NIL
lrqi MqcU
lrqi qWs
MqcU
AMxqM / Axjr / xuS
MqcU
112%
Permanent Employees
112%
117%
Permanent Women
Employees
117%
zlr
NIL
uMsa MqcU
Casual/Temporary/
Contractual Employees
78%
78%
xi 4: MUoU xp
xp WikUM M Wi M xqql MU ij
ElM mi xuSlzs W uzwm x uci, MqeU AU Emi
M mi|
1.
Yes.
W.
3. Yr Mml uci, M
Mqe
qeU u Emi zrUkUM x eQl
M sL MD uzw mWs M W? rS W i 50 zoS q
uuUh S|
MqcU: oM ei, lxs AU kq M AkU mU MD pSpu
AU muaW M ol xp MqcUr M xj xql uruWU
M li Amli W| oM xUMU M Sz lSz M AlxU
Alxci ei / Alxci elei ua x xoki MqcUr
M sL MN uzw sp/xukA xWri mSl MUi W|
CxM Asu, uMsa MqcUr M Alr MqcUr M
xqisr mUqM/uil Sr ei W| oM, MmUO xqeM
EUSriu M iWi EQl mUrel M Aiai eqq u MzqU
M oUeaU xliM M mzi u pi MU UW W|
92
rl EimQl M UMjq
Cx li M iWi
93
upll Mr M sL PMSU M xu sl
xi 6: MUoU mr
mruUh M xqql, xU AU Ex mlxjmi
MUl M mrx MU|
1.
li Mus oM iM W xqi W|
Yes.
W
Gh eZq mokl li M xSp q, oM Lx lr DMCr
M xjml M sL Gh mSl lW MUi elM U Ael
ucNSl mSj ex YsUnsU Mol - 11 (xLTx-11),
x.LT.x.-12 AU x.LT.x. 11 AU x.LT.x. 12 M
qh, x.LT.x. - 113, Mol OOYslUCQ, qjCs
YsUTq, Tq EimSl, UTeUOU AU LrUMQzlU, LUxs
EimS, xTD M EimS q mr xsuO, Aalzql q mr
Wsl - 1211, 1301, 2402, AS M mra Mr ei W|
OYxM mSj
Gh mxiu M
M uiuUh q
zkl CMD M
94
Yes.
W
oM U up WUi oMa mWs 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 M oRu
Sl zqs W|
AS mU MD Alr mW
mWs z M W? W / lW, rS W i
uome M WCmUsM S|
oM l xucN maM ij Fe Si M MD mWs z
95
7. ur uw M xqmi iM
iM xmxo / Lxmxo x mmi
Mll lOx/ MUh oiA lOx M xZr e M soi
W? (rl xi M xiU iM lW lmOr ar W)
zlr
Yes.
a) Indian Banks Association (IBA)
W |
M) pUir oM xb ( ADoL)
xuelM M oM Wl M MUh oM mU Sz M xp
u xp ua M M oMa xuA M mSl MUl M
xqeM EUSriu W| CxM Asu, oM qO iU mU Sz
M xjr uMx q raSl M sL AjM AU ur
q xkU, xquz uMx AU xql uMx, Ur
mjqMiA AU Z xU M M zqs MUi WL
xqr - xqr mU pUi xUMU AU pUir Ueu oM U
eU ML aL xp liai lSz / lrqM Sz lSz M
msl MU UW W|
96
uuUh lqlui W-
97
1.
2.
3.
4.
MlU
MlU
MlU
MlU
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
98
uuUh |
oM l up xqSrM uMx AU xqeM - AjM
Msrh aiukr q sa 953 xaPl M `7695.53
sZ M Uz qeUi M | (Mmr oS 5 M pa o M
xSp s)
5. Yr Cx xqSr uMx M mWs M xTsimuM xqSr
uiUi Mr ei W |
99
Emp mMUh so
oi
i W?
Nil.
xi fl M mi sar W?
2.
3.
100
101
102
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).
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|
103
3) Audit Committee:
ii)
ii)
v)
The Reserve Bank of India, vide their letter RBI/201011/269-DBS.ARS.BC.NO. 4/08.91.20/2010-11, dated
10.11.2010, conveyed the Calendar of Reviews to
be followed by the Audit Committee of the Board.
These items have been incorporated in the Corporate
Governance Policy of the Bank for periodical review
and are duly placed before the Audit Committee as per
Calendar of Reviews.
104
4) mUqM
mUqM xqi:
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 ((`)
Amount (`)
Ueu MzU So
Akr u mok lSzM
20,05,292.41
Shri R K Dubey
Chairman & Managing Director
20,05,292.41
20,58,689.90
20,58,689.90
u Lx MwhMqU
MrmsM lSzM
15,47,606.90
Shri V S Krishnakumar
Executive Director
15,47,606.90
mql xW Uui
MrmsM lSzM
10,42,993.80
10,42,993.80
qi Acl Lx pau
MrmsM lSzM
(SlM 22.04.2013 iM)
5,10,966.91
Lx Uql
Akr u mok lSzM
(SlM 30.09.2012 iM)
3,00,822.00
(uw 2012-13 M
sL mixWl )
Ms
74,66,371.92
5,10,966.91
3,00,822.00
(incentive for the
year 2012-13)
74,66,371.92
Complaints Received
2211
zlr
Nil
soi zMri
zlr
Pending complaints
Nil
106
b) lkrl Lu me Arel
oPM
uuUh
lc
xjl
Date
Time
Venue
18.07.2011
04
AmU
28.06.2012
04
AmU
leri BQOUrq,
xOs Mse, msx UQ,
oasU - 560 001
28.06.2012
4 pm
Jnanajyothi Auditorium,
Central College, Palace Road,
Bangalore 560 001
22.07.2013
10
mu
leri BQOUrq,
xOs Mse,
msx UQ, oasU - 560 001
22.07.2013
10 am
Jnanajyothi Auditorium,
Central College, Palace Road,
Bangalore 560 001
107
18.07.2011
4 pm
8) mMOl:
8) Disclosures:
aU-AkSziqM
Am
Mrlurl M xji
1.
oQ
aU MrmsM
Akr, Akr M
Mrsr M xpsl
Wi AW Wa |
2.
mUqM xqi
108
Sl.
No.
Non Mandatory
Requirement
Status of Implementation
1.
The Board
A non-executive
Chairman may
be entitled
to maintain
a Chairmans
office.
Board is Constituted
as per Section (9)(3) of
Banking Companies
(Acquisition and Transfer
of Undertaking) Act, 1970.
Hence this clause is not
applicable for the Bank.
2.
Remuneration
Committee
Remuneration committee
has been constituted as
per the guidelines of GOI,
as detailed elsewhere in
the Annual Report.
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.
sZmU rarir
xukM sZmUM U
SlM 31.03.2013 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
31.03.2013
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 xWusMl p mSl
M ei W |
5.
6.
oQ M aUMrmsM xSxr
M qsrMl mi
lSzM qQs M
6.
Mechanism for
evaluating
non-executive
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|
109
9) xmwh M qkrq.:
MlU
oM
oM,
M
9) Means of communication:
oM
uwM
x
UmO
xoki
M
elMU
eUL
Si
qZrir
W,
exq
UmO,
sZmUi
sZ,
lMS
muW
uuUh
LYxce
xcl,
mx
umir
Lu
Publication of Results:
mUhq M mMzl:
xqmi
iqW
mMzl M
iUZ
xqcU m
Sz pwL
Quarter
Ended
Ur
Date of
Publication
Newspaper
Vernacular
National
31.03.2013 03.05.2013
ESruh
oelx xOhQQ,
TClzrs
LYxmx,
S oelx sCl,
qlO,
CMhqM OCqx
30.06.2013 04.08.2013
xr
MlOM
SlM
05.08.2013 M
oelx xOhQQ,
TClzrs
LYxmx,
S oelx sCl,
WlSxil OCqx,
CMhqM OCqx,
qlO, oele
xOhQQ (WlS) u
elx (WlS) q
30.09.2013 13.11.2013
uer uh
TClzrs
LYxmx,
CMhqM OCqx,
oelx xOhQQ
u oelx sCl
Financial Express,
Economic Times,
Business
Standard &
Business Line
31.12.2013 01.02.2014
MQ mp
oelx xOhQQ,
oelx sCl
u TClzrs
LYxmx
Business
Standard,
Business Line &
Financial Express
110
ur MshQU
ur uw
Financial Calendar
2013-2014
Financial year
2013-2014
oW oS Wl M iUZ
05.07.2014
05.07.2014
(Sl Sl xWi)
- 21.07.2014
- 21.07.2014
16.07.2014
16.07.2014
21.07.2014
21.07.2014
21.07.2014
21.07.2014
28.07.2014
dividend warrants
28.07.2014
532483
532483
CANBK
CANBK
111
uw
AkMiq
(`)
lrliq
(`)
zrU M
q
AkMiq
(`)
lrliq
(`)
zrU M q
Ams
2013
449
369
17,19,382
450
368
2,10,59,632
qD
2013
457
384
27,02,374
457
383
2,64,06,452
el
2013
417
335
17,28,479
417
335
1,81,73,855
esD
2013
389
245
33,15,352
387
246
2,68,53,373
Aaxi
2013
279
190
45,21,734
280
189
3,80,78,538
xioU
2013
254
190
61,46,208
254
191
5,88,89,153
AoU
2013
262
219
35,61,194
262
219
3,28,57,906
luoU
2013
293
230
72,73,825
294
230
6,87,13,304
SxoU
2013
295
240
61,13,088
295
239
5,51,87,197
eluU
2014
292
214
64,15,464
292
215
5,90,67,434
TUuU
2014
226
209
33,94,186
226
209
3,16,55,456
qc
2014
276
212
57,59,823
275
212
5,94,62,564
Year
High
(`)
Low
(`)
Volume
No.
High
(`)
Low
(`)
Volume
No.
April
2013
449
369
17,19,382
450
368
2,10,59,632
May
2013
457
384
27,02,374
457
383
2,64,06,452
June
2013
417
335
17,28,479
417
335
1,81,73,855
July
2013
389
245
33,15,352
387
246
2,68,53,373
August
2013
279
190
45,21,734
280
189
3,80,78,538
September
2013
254
190
61,46,208
254
191
5,88,89,153
October
2013
262
219
35,61,194
262
219
3,28,57,906
November
2013
293
230
72,73,825
294
230
6,87,13,304
December
2013
295
240
61,13,088
295
239
5,51,87,197
January
2014
292
214
64,15,464
292
215
5,90,67,434
February
2014
226
209
33,94,186
226
209
3,16,55,456
March
2014
276
212
57,59,823
275
212
5,94,62,564
112
Alr mMOl:
l:
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.
ZhQ 5L:
L: oM l 2002-03 M SUl ADmA eU MUM
luzM M `10/- AMi qsr M 41 MUQ DYuO zrU piM
AU upiM Sl m q eU Mr |
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.
In terms of Clause 5A of the Listing Agreement, the
Unclaimed shares of the Bank in respect of Physical shares
shall be credited to a demat suspense account opened
by the issuer with one of the depository participants.
Accordingly, the Bank had opened a Demat Account with
Canara Bank, DP Cell, Bangalore. The details are as under:
Name of the Account: Canara Bank Unclaimed
Suspense Account Physical Shares DPID ID / Client ID
Number : 301356 / 20552606
As on 31.03.2013, there was only 1 share certificate of
500 shares which was unclaimed by the shareholder/
pending to be dispatched. The Bank has identified the
said shareholder and handed over the share certificate to
him in the month of August, 2013.
Particulars
No. of Share No. of
Certificates Shares
As on 01.04.2012
4 (Unclaimed) 2200
Transferred to Unclaimed
2
1200
Suspense Account
(as stated above) in 2012-13
Identified / DRT Case
1
500
Identified & handed over in
1
500
2013-14
Pending as on 31.03.2014
--As on 31.03.2014, the position
Nil
--
4(ASu)
2
2200
1200
500
500
-zlr
---
113
114
Distribution of Shareholding
Category wise (31.03.2014)
pUi xUMU
# zrU M
xZr
zrU kUh
M %
(*)318258837
69.00
oM u ur xxjL
34102731
7.39
qrcrAs TQ
26248956
5.69
MmUO lMr
9789048
2.12
Ll AU AD / A x o
736211
0.16
lux ur / Aup
WlS mUuU / lrx
AS
30730246
6.67
uSz xxjai
luzM
41392808
8.97
Ms
461258837
100
Sl Category
No.
# No. of
shares
% of share
holding
69.00
34102731
7.39
Mutual Funds
26248956
5.69
Bodies Corporate
9789048
2.12
NRIs/OCBs
736211
0.16
Resident Individuals/
HUF /Trust etc.
30730246
6.67
Foreign Institutional
investors
41392808
8.97
TOTAL
461258837
100
# Nominal value of each share is `10/(*) Note: The Bank had allotted / issued 1,82,58,837 equity
shares to Government of India on Preferential basis on
31.12.2013.
115
zrUkUM M
xZr
zrU M xZr
135062
93.12
16121308
3.49
5001 x 10000
7243
4.99
5916253
1.28
10001 x 20000
1437
0.99
2137234
0.46
20001 x 30000
365
0.25
926997
0.20
30001 x 40000
139
0.10
490257
0.11
40001 x 50000
151
0.10
682675
0.15
50001 x 100000
232
0.16
1688923
0.37
100001 u Exx
AkM
412
0.29
433295190
93.94
145041
100
461258837
100
No. of Shares
Ms
No. of
Shareholders
135062
93.12
16121308
3.49
5001 to 10000
7243
4.99
5916253
1.28
10001 to 20000
1437
0.99
2137234
0.46
20001 to 30000
365
0.25
926997
0.20
30001 to 40000
139
0.10
490257
0.11
40001 to 50000
151
0.10
682675
0.15
50001 to 100000
232
0.16
1688923
0.37
412
0.29
433295190
93.94
145041
100
461258837
100
TOTAL
116
zrU M
M upiMMUh AU lMS:
zrU M
xZr
piM
28505 19.65
CsYOlM-LlLxQLs
CsYOlM-xQLxLs
Ms
145041
6592522
100 461258837
Number of
Shareholders
%
1.43
Number of
Shares
28505 19.65
Electronic-NSDL
Electronic-CDSL
6592522
Physical
TOTAL
100
100 461258837
1.43
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
117
mUz M
i.
lq
mMU
MrMs
Alr oQ q xSxri
1.
Ueu MzU So
A. u m.l.
11.01.2013-30.09.2014
2.
M l
28.07.2011-31.10.2014
zlr
3.
u Lx Mwh MqU
M l
04.04.2013- 30.04.2015
4.
mql xW Uui
M l
05.08.2013- 31.05.2016
5.
Q. Uei pau
p x
26.07.2013 M lqi
zlr
6.
qi ql WqcS
p U o
13.10.2011 M lqi
zlr
7.
e u xozuUu
Mq l
21.10.2011- 20.10.2014
zlr
8.
e u qhqUl
A l
03.01.2014-02.01.2017
zlr
9.
aU M l
06.12.2013-05.12.2016
10.
xil xlW
aU M l
17.10.2011-16.10.2014
zlr
11.
xDUq o. qcUs
aU M l
05.12.2013-04.12.2016
12.
z l
27.07.2013-26.07.2016
4
8
13.
xer el
z l
27.07.2013-26.07.2016
1 (xfSU)
TYPE
TERM OF OFFICE
MEMBERSHIP OF
OTHER BOARDS
C&MD
11.01.2013 30.09.2014
Appendix A
i.
NAME
1.
SHRI R K DUBEY
2.
ED
28.07.2011-31.10.2014
Nil
3.
ED
04.04.2013-30.04.2015
4.
ED
05.08.2013-31.05.2016
5.
GOI
Nominated on 26.07.2013
Nil
6.
RBI
Nominated on 13.10.2011
Nil
7.
WD
21.10.2011-20.10.2014
Nil
8.
SHRI G V MANIMARAN
OD
03.01.2014-02.01.2017
Nil
9.
NED - CA
06.12.2013-05.12.2016
10.
NED
17.10.2011-16.10.2014
Nil
11.
NED
05.12.2013-04.12.2016
12.
SD
27.07.2013-26.07.2016
13.
SD
27.07.2013 -26.07.2016
1 (Partner)
118
qi Acl Lx pau
M l
01.04.2011-22.04.2013
s.l.
2.
aU M l
22.06.2010-21.06.2013
s.l.
3.
qi xk Mwhl
p x
16.11.2012-25.07.2013
s.l.
4.
m u qrr
z l
27.07.2010-26.07.2013
s.l.
5.
xls ami
z l
27.07.2010-26.07.2013
s.l.
6.
e u qhqUl
A l
14.12.2010-13.12.2013
s.l.
7.
oe qWl zq
z l
27.07.2013-31.12.2013
s.l.
1.
ED
01.04.2011-22.04.2013
N.A.
2.
NED
22.06.2010-21.06.2013
N.A.
3.
GOI
16.11.2012-25.07.2013
N.A.
4.
SHRI P V MAIYA
SD
27.07.2010-26.07.2013
N.A.
5.
SD
27.07.2010-26.07.2013
N.A.
6.
SHRI G V MANIMARAN
OD
14.12.2010-13.12.2013
N.A.
7.
SD
27.07.2013-31.12.2013
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
119
Akr/ CHAIRMAN
Akr
xSxr / MEMBERS
mokl xqi
Ueu MzU So
Management
Shri R K Dubey
Committee
Ueu MzU So
Risk Management
Shri R K Dubey
Committee
xil xlW
Audit Committee
zrUkUM / luzM
M zMri xqi
Shareholders/Investors
UelSU MqU
ars
Shri Rajinder
Kumar Goel
Grievances Committee
mUqM xqi
Q. Uei pau
Remuneration
Committee
120
mUz Z
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
lq
AU M So
AzM MqU ami
u Lx MwhMqU
mql xW Uui
Q. Uei pau
qi ql WqcS
e u xozuUu
e u qhqUl (*)
xls WYqcS McO
xil xlW
xDUq o. qcUs
UelSU MqU ars
xer el
oQ oPM
Emxji/
Arei
16/16
11/16
15/16
9/10
6/11
12/16
15/16
15/15
5/5
15/16
5/5
10/11
10/11
mokl
xqi
oPM
Emxji/
Arei
24/24
19/24
22/24
13/16
-14/24
8/11
2/2
9/9
10/11
4/4
5/5
12/12
sZ
mU
oPM
Emxji/
Arei
-9/11
10/11
7/7
3/8
9/11
--4/5
11/11
----
Lx.AD.e
x.
oPM
Emxji/
Arei
-2/2
2/2
2/2
---1/1
---2/2
1/1
eZq
mNs kUi zrU
mokl xqi
uwM
oPM
xqlr oPM M xZr
Emxji/
Arei
zlr
6/6
zlr
4/6
6/6
10
s l
zlr
3/4
s l
zlr
-zlr
-X
zlr
2/2
2/2
50
s l
zlr
2/2
zlr
4/4
s l
zlr
-s l
3/3
100
s l
-200
--1/1
-----
--2/2
--2/2
1/1
21.10.13
24.03.14
25.05.13
24.06.13
23.09.13
20.01.14
15.03.14
29.04.13
02.05.13
25.05.13
29.05.13
24.06.13
03.08.13
24.08.13
23.09.13
21.10.13
12.11.13
19.11.13
20.12.13
20.01.14
31.01.14
24.02.14
24.03.14
up oPM
17.04.13
06.05.13
18.05.13
29.05.13
11.06.13
24.06.13
09.07.13
22.07.13
08.08.13
19.08.13
05.09.13
23.09.13
15.10.13
12.11.13
26.11.13
12.12.13
20.12.13
27.12.13
20.01.14
31.01.14
14.02.14
24.02.14
15.03.14
24.03.14
M iUZ
02.05.13
29.05.13
14.06.13
03.08.13
10.09.13
12.11.13
19.12.13
31.01.14
20.02.14
05.03.14
21.03.14
121
-X
-
X
s l
130
zlr
50
200
200
500
100
22.07.13
30.12.13
s l: sa lW
Appendix B
DETAILS OF ATTENDANCE OF DIRECTORS
SL. NAME
NO.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
BOARD
MEETING
SHRI R K DUBEY
SHRI ASHOK KUMAR GUPTA
SHRI V S KRISHNA KUMAR
SHRI PRADYUMAN SINGH
RAWAT
DR.RAJAT BHARGAVA
SMT MEENA HEMCHANDRA
SHRI G V SAMBASIVA RAO
SHRI G V MANIMARAN (*)
SHRI SUNIL HUKUMCHAND
KOCHETA
SHRI SUTANU SINHA
SHRI SAIRAM B. MOCHERLA
SHRI RAJINDER KUMAR
GOEL
SHRI SANJAY JAIN
Attended/
Held
16/16
11/16
15/16
9/10
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
24/24
--6/6
Nil
19/24
9/11
2/2
4/6
Nil
22/24
10/11
2/2
6/6
10
13/16
7/7
2/2
3/4
NA
Nil
6/11
12/16
15/16
15/15
5/5
-14/24
8/11
2/2
9/9
3/8
9/11
--4/5
---1/1
--
--2/2
2/2
2/2
NA
15/16
5/5
10/11
10/11
4/4
5/5
11/11
---
--2/2
4/4
-3/3
NA
NA
Nil
Nil
100
10/11
12/12
--
1/1
--
NA
200
--2/2
--2/2
1/1
-X
130
Nil
50
200
200
500
100
NA
X
Nil
Nil
Nil
50
Nil
-3/5
15/15
4/4
4/5
5/5
7/7
1/1
-2/2
5/5
6/8
7/8
9/10
-2/3
-3/3
----
--1/1
-----
--
X
NA
29.04.13
02.05.13
25.05.13
29.05.13
24.06.13
03.08.13
24.08.13
23.09.13
21.10.13
12.11.13
19.11.13
20.12.13
20.01.14
31.01.14
24.02.14
24.03.14
122
25.05.13
24.06.13
23.09.13
20.01.14
15.03.14
22.07.13 30.12.13
mUz a
uw 2013-14 M sL lSzM M mS Emxji zsM
x
mS Emxji zsM
lSzM M lq
(`)
e u xozu Uu
2,40,000
e u qhqUl
2,15,000
80,000
m u qrr
70,000
xls ami
1,05,000
oe qWl zq
1,20,000
1,20,000
xil xlW
3,25,000
xDUq o. qcUs
80,000
10
1,75,000
11
xer el
1,75,000
Appendix C
SITTING FEES PAID TO DIRECTORS FOR THE YEAR 2013-14
Sl. No.
2,40,000
Shri G.V.Manimaran
2,15,000
80,000
Shri P.V.Maiya
70,000
1,05,000
1,20,000
1,20,000
3,25,000
10
1,75,000
11
1,75,000
80,000
123
xjl : oasU
SlM : 04 el, 2014
124
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 31.03.2014.
Place : Bangalore
Date : 4th June, 2014
125
xu q,
To,
MlU oM M xSxr
We further state that such compliance is neither anassurance as to the future viability of the Bank nor the
efficiency or effectiveness with which the Management
has conducted the affairs of the Bank.
oasU
01.05.2014
L Q zlr
xfSU
Lq. l. 11549
LT AU Ll l. 102860Qosr
CA A.D.SHENOY
Partner
M.No.11549
FRN No.102860W
Bangalore
01.05.2014
126
MlU oM M isl m, sp u Wl sZ
ij lMS muW uuUh
2013-2014
127
128
xu q,
pUi M Umi
To
ur uuUh mU UmO
1. Wql rj 31 qc 2014 M MlU oM M xsal ur uuUh
M sZ mU M W elq rj 31 qc 2014 M isl m
io xqmi uw M sp-Wl sZ AU lMS muW uuUh,
qWiumh sZMl lir ij Alr xmMUh elMUr
(sZ xok Ommhr) zqs W | Cl ur uuUh q
WqU U sZ mUi 20 zZA M, zZ sZ mUM
U sZ mUi 2081 zZA AU xjlr sZ mUM
U sZ mUi 4 uSz zZA M uuUhr zqs M
aD W | 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
2649 zZA M uuUhr p zqs M W | sZmU
lW M aD zZr 5.76% Aaq, 17.30% eq, 3.53%
ore Ar AU 14.75% ore aPi MUi W |
Auditors Responsibility
3. Our responsibility is to express an opinion on
these financial statements based on our audit.
We conducted our audit in accordance with the
Standards on Auditing issued by the Institute of
Chartered Accountants of India. Those Standards
require that we comply with ethical requirements
and plan and perform the audit to obtain reasonable
assurance about whether the financial statements
are free from material misstatement.
4. An audit involves performing procedures to obtain
audit evidence about the amounts and disclosures
in the financial statements. The procedures selected
depend on the auditors judgement, including the
assessment of the risks of material misstatement
of the financial statements, whether due to fraud
or error. In making those risk assessments, the
auditor considers internal control relevant to the
129
WqU ucU
6. WqU ucU W, ex oM oWr q SZD Si W AU WqU
elMU ij Wq Sr ar xmMUh M AlxU :-
Opinion
6. In our opinion, as shown by books of Bank, and to
the best of our information and according to the
explanations given to us:
(ii) the Profit and Loss Account, read with the Notes
to Accounts thereon shows a true balance of
profit, in conformity with accounting principles
generally accepted in India, for the year covered
by the account; and
krl Sl rar oi
Wq lqlsZi M AU krl AM MU UW W :-
Emphasis of Matter
We draw attention to:
a. Note 6.4 to the financial statements, which
describes the accounting treatment of the
expenditure on creation of Deferred Tax Liability
on Special Reserve under Section 36(1)(viii) of
the Income-tax Act, 1961 as at March 31, 2013,
pursuant to RBIs Circular No. DBOD. No. BP.
BC. 77 / 21.04.018 / 2013-14 dated December
20, 2013.
c.
130
c.
Mi sMU LhQ M
xlS sZMU
Tq meMUh xZr. 000172Qosr
Mi m cmQ LhQ M
xlS sZMU
Tq meMUh xZr. 004957Ll
(z Ll. mZlr)
xfSU
xSxri xZr. 138932
(Hrudyesh N. Pankhania)
Partner
Membership No. 138932
Mi L AU Sx LhQ LxxLOx
xlS sZMU
Tq meMUh xZr. 306109D
Mi Lx x uxSu LhQ M
xlS sZMU
Tq meMUh xZr. 000235Ll
(xer uxSu)
xfSU
xSxri xZr. 090989
(Sanjay Vasudeva)
Partner
Membership No.090989
(lZs xbs)
xfSU
xSxri xZr. 079557
(L Q zhr)
xfSU
xSxri xZr. 011549
(Nikhil Singhal)
Partner
Membership No. 079557
(A.D. Shenoy)
Partner
Membership No. 011549
oasU
05 qD
qD,, 2014
Bangalore
May 05, 2014
131
1
2
3
4
5
461 25 88
29158 85 44
420722 81 82
27230 63 66
14348 28 63
443 00 00
24434 78 89
355855 99 13
20283 37 38
11325 45 46
491921 85 43
412342 60 86
22153 78 08
15405 93 03
7
8
9
10
11
22674 92 99
126828 25 50
301067 47 88
6641 56 23
12555 84 75
19308 77 23
121132 83 03
242176 62 46
2862 71 84
11455 73 27
491921 85 43
412342 60 86
223051 44 98
16268 91 63
249707 54 69
13997 78 94
eQ / TOTAL
Axir / ASSETS
pUir Ueu oM q lMS AU zw
CASH & BALANCES WITH RESERVE BANK OF INDIA
oM q zw AU qa ij Asm xcl mU kl
BALANCES WITH BANKS AND MONEY AT CALL
AND SHORT NOTICE
luz / INVESTMENTS
Aaq / ADVANCES
xjU Axir / FIXED ASSETS
Alr Axir / OTHER ASSETS
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
Lq cS zZU
xWrM qW mokM
Ll xuzMUl
Em qW mokM
Ll xsuUel
qW mokM
mql xW Uui
MrmsM lSzM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
Q. Uei pau
lSzM
e u xozu Uu
lSzM
e u qhqUl
lSzM
xil xlW
lSzM
xer el
lSzM
Mi
m cmQ LhQ M
xlS sZMU
z mZlr
xfSU
Mi
Mi
L AU Sx LhQ LxxLOx Lx x uxSu LhQ M
xlS sZMU
xlS sZMU
zrqs MqU lrM
xfSU
xer uxSu
xfSU
oasU
05 qD, 2014
132
Mi
ulr MqU LhQ M
xlS sZMU
Mi
TQ, UQx mYx LhQ M
xlS sZMU
lZs xbs
xfSU
L Q zhr
xfSU
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2014
I.
Ar / I. INCOME
Aei ore / INTEREST EARNED
Alr Ar / OTHER INCOME
eQ / TOTAL
13
14
39547 61 18
3932 75 62
43480 36 80
34077 93 50
3153 00 78
37230 94 28
15
16
30603 16 54
6081 01 03
26198 94 33
5141 98 99
4357 99 77
41042 17 34
2438 19 46
3017 90 67
34358 83 99
2872 10 29
650 00 00
87 50 00
1107 07 99
299 81 95
207 56 52
86 23 00
2438 19 46
720 00 00
43 06 84
205 00 00
530 03 45
700 00 00
576 00 00
98 00 00
2872 10 29
54. 48
64. 83
17
18
V SUKUMAR
DIVISIONAL MANAGER
M CHANDRA SEKHAR
ASSISTANT GENERAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
N SELVARAJAN
GENERAL MANAGER
P S RAWAT
EXECUTIVE DIRECTOR
V S KRISHNA KUMAR
EXECUTIVE DIRECTOR
R K DUBEY
CHAIRMAN AND MANAGING
DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUNIL HUKUMCHAND
KOCHETA
DIRECTOR
SUTANU SINHA
DIRECTOR
SANJAY JAIN
DIRECTOR
For
P CHOPRA & Co.
Chartered Accountants
HRUDYESH N PANKHANIA
Partner
For
For
A R DAS & ASSOCIATES S C VASUDEVA & Co.
Chartered Accountants Chartered Accountants
SYAMAL KUMAR NAYAK
Partner
BANGALORE
MAY 05,2014
133
SANJAY VASUDEVA
Partner
For
VINAY KUMAR & Co.
Chartered Accountants
For
FORD RHODES PARKS & Co.
Chartered Accountants
NIKHIL SINGHAL
Partner
A D SHENOY
Partner
134
3000 00 00
3000 00 00
318 25 88
300 00 00
143 00 00
461 25 88
143 00 00
443 00 00
6653 00 00
650 00 00
7303 00 00
5933 00 00
720 00 00
6653 00 00
2033 24 03
3569 47 57
5602 71 60
2065 13 95
-2065 13 95
104 46 27
5498 25 33
31 89 92
2033 24 03
99 29 84
122 38 14
-221 67 98
77 66 88
21 62 96
-99 29 84
1268 77 07
87 50 00
1356 27 07
1225 70 23
43 06 84
1268 77 07
rj 31.03.2013 M
As at 31.03.2013
(` 000)
2235 20 00
2235 20 00
481 74 12
--
2716 94 12
2235 20 00
8440 27 95
7910 24 50
1107 07 99
530 03 45
9547 35 94
8440 27 95
1189 65 00
--
eQ / TOTAL
8357 70 94
8440 27 95
3500 00 00
2800 00 00
--
700 00 00
3500 00 00
3500 00 00
205 00 00
205 00 00
205 00 00
205 00 00
--
--
eQ / TOTAL
205 00 00
205 00 00
eQ / TOTAL
29158 85 44
24434 78 89
135
rj 31.03.2013 M
As at 31.03.2013
(` 000)
i. oM x / FROM BANKS
ii. Alr x / FROM OTHERS
eQ / Total
888 36 61
16855 42 27
17743 78 88
235 93 87
14657 21 00
14893 14 87
II.
85535 60 57
85535 60 57
71168 18 72
71168 18 72
III.
19060 88 04
298382 54 33
317443 42 37
420722 81 82
12104 88 42
257689 77 12
269794 65 54
355855 99 13
398852 91 65
21869 90 17
420722 81 82
342106 93 24
13749 05 89
355855 99 13
--5128 71 54
--3526 13 29
9778 10 00
14906 81 54
7353 55 00
10879 68 29
10825 93 82
8046 53 27
1497 88 30
12323 82 12
27230 63 66
1357 15 82
9403 69 09
20283 37 38
B.
136
137
rj 31.03.2014 M
As at 31.03.2014
(` 000)
rj 31.03.2013 M
As at 31.03.2013
(` 000)
1174 10 14
218 47 77
1471 13 36
1760 50 00
9724 07 36
1057 20 00
42 85 26
1152 83 78
326 97 00
8745 59 42
14348 28 63
11325 45 46
1140 51 29
1128 79 19
21013 26 79
21013 26 79
22153 78 08
14277 13 84
14277 13 84
15405 93 03
163 07 73
163 07 73
1592 43 73
1592 43 73
163 07 73
860 00 00
4307 62 91
5167 62 91
6760 06 64
5406 24 25
15104 44 91
2001 16 10
22511 85 26
22674 92 99
4467 17 58
7288 96 91
792 56 10
12548 70 59
19308 77 23
rj 31.03.2013 M
As at 31.03.2013
(` 000)
1267796535
120666 58 84
8058571
1259737964
121 92 61
120544 66 23
1075928259
101991 77 45
14987
1 49 87
15491409
1557 76 73
84079482
3375 58 34
6659972
672 97 36
77563855
1259737964
12945 06 48
120544 66 23
852421228
405748013
1568723
1259737964
726991465
471048148
7407010
1205446623
8965168
683 95 49
420582
95 78 69
8544586
588 16 80
--
--
732211
7812375
8544586
36 57 20
551 59 60
588 16 80
777934
7766652
-8544586
75 37 36
512 79 44
-588 16 80
126828 25 50
138
121132 83 03
rj 31.03.2013 M
As at 31.03.2013
(` 000)
10172 54 20
7054 16 53
117083 79 43
95656 00 61
173811 14 25
139466 45 32
eQ / Total
301067 47 88
242176 62 46
242130 83 43
191224 74 05
9933 90 69
8793 07 00
49002 73 76
42158 81 41
301067 47 88
242176 62 46
96652 16 40
82048 77 57
31777 93 93
29096 02 86
37 75 12
14 75 78
153375 62 85
115980 50 16
eQ / Total
281843 48 30
227140 06 37
1507 34 83
271 40 13
8444 87 26
5087 97 80
9271 77 49
9677 18 16
eQ / Total
19223 99 58
15036 56 09
eQ / Total
301067 47 88
242176 62 46
ZUS ar ij o mU plL ar os /
A. i. BILLS PURCHASED & DISCOUNTED
II.
139
rj 31.03.2013 M
As at 31.03.2013
(` 000)
2919 01 71
2901 28 96
104 68 51
3023 70 22
17 83 43
2919 12 39
3569 47 57
6593 17 79
182 80
6591 34 99
594 69 99
-2919 12 39
10 68
2919 01 71
481 72 74
5996 65 00
II.
/ DEPRECIATION TO DATE
2437 28 97
1996 36 77
1875 94 35
442 46 81
2438 83 58
53 01 91
2385 81 67
1743 09 44
211 47 97
2087 42 32
91 05 55
1996 36 77
1573 12 90
642 72 23
III.
81 14 04
-81 14 04
5 87 20
75 26 84
69 76 11
5 50 73
/ DEPRECIATION TO DATE
81 14 04
-81 14 04
-81 14 04
74 28 49
6 85 55
3 31 73
4 66 55
2 19 00
6641 56 23
140
423 23 87
2 19 00
2862 71 84
rj 31.03.2013 M
As at 31.03.2013
(` 000)
4153 25 62
3341 94 25
II.
4038 94 36
2424 26 89
1168 35
6 63 80
III.
IV.
V.
Alr / V. OTHERS
33 09
33 09
4351 63 33
5682 55 24
12555 84 75
11455 73 27
80 15 15 49
4737 86 41
25 36 00
--
158715 01 00
196249 12 20
eQ / TOTAL
Alxc 12 - AMxqM SriL /
SCHEDULE 12 - CONTINGENT LIABILITIES
I.
II.
III.
IV.
oM M u Su elW Gh M m q xuMU lW Mr
ar W / CLAIMS AGAINST THE BANK NOT
ACKNOWLEDGED AS DEBTS
xbOM M AU x S aD aUOr /
GUARANTEES GIVEN ON BEHALF OF CONSTITUENTS
M. pUi q / a. IN INDIA
35822 84 52
23457 79 30
44 98 42
39 40 68
VI.
35867 82 94
23497 19 98
19813 70 43
24657 21 61
--
--
614 39 12
566 14 49
eQ / TOTAL
141
614 39 12
566 14 49
223051 44 98
249707 54 69
rj 31.03.2013 M
As at 31.03.2013
(` 000)
III.
IV.
II.
eQ / TOTAL
28457 32 65
24379 90 78
10251 07 96
9112 42 43
730 81 88
585 22 53
108 38 69
37 76
39547 61 18
34077 93 50
939 83 01
798 14 42
681 51 88
682 44 38
17 81 76
663 70 12
670 05
675 74 33
160 74 51
(160 74 51)
15 05 85
(15 05 85)
110 10
1 49 44
IV.
V.
2 76 58
1 66 48
sp / PROFIT
VI.
VII.
2 41 50
669 72 92
92 06
483 05 11
669 72 92
18 61 94
464 43 17
70 25 29
56 57 29
1748 88 69
1172 25 36
eQ / TOTAL
3932 75 62
3153 00 78
142
rj 31.03.2013 M
As at 31.03.2013
(` 000)
28657 80 32
25250 27 02
698 14 23
163 25 71
1247 21 99
785 41 60
30603 16 54
26198 94 33
3672 38 11
3253 56 36
546 80 97
466 12 18
II.
III.
II.
III.
41 72 81
30 60 09
IV.
66 16 23
33 71 35
V.
228 46 57
189 68 53
1 43 64
96 36
VI.
VII.
47 13 92
32 69 27
VIII.
23 46 52
23 95 32
IX.
46 04 39
38 02 13
X.
181 16 74
152 31 69
XI.
oq / XI. INSURANCE
299 80 89
276 63 68
XII.
926 40 24
643 72 03
6081 01 03
5141 98 99
eQ / TOTAL
143
Alxc- 17
SCHEDULE 17
[1](M)
(M) sZMl 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|
[2]
2.1
2.2
[2]
2.1
2.2
2.2
144
2.3
2.3
2.4
2.4
[3]
luz
[3]
Investments
3.1
3.1.
M)
mUmYui M sL kUi
Auk xqmi Wi kUi xua M Aiai luz mU
ApaWh sai, lus mizkl, AaU MD W i ExM
AkU mU Mr el W | AMi qsr x rS MD AkM
ApaWh sai W i Ex zw Auk q mUzki Mr
ei W |
3.2.
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.
145
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)
b)
o M sL Emsok
Cx xua M iWi mirM mipi oeU M sL
AMi W |
146
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.
3.3
M)
a)
Z)
b)
a)
c)
3.4
3.4.
(M)
147
3.5.
a)
(Z)
(a)
3.6
M)
Z)
b)
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 ASsoSs W |
pUir Ueu oM M SzlSz M AkU mU
M)
urmU M sL mra M elus urimr oeU M sL
AMi M ar W AU lus qsrx M mWcl M aD
W ij lus qsru M lMU ar W |
[4]
Z)
[4]
[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
5.4
5.5
5.6
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.
5.6
148
lmOl / Msii Gh M qs kl M mi Mr
ei W | uxsr M mjqi: qs kl M xj xqrei
Mr ei W |
5.7
5.7
(6)
Fixed Assets
6.1
6.1.
6.2.
(7)
Depreciation
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)
qsrx
7.1
7.1.
7.2
7.2.
7.3
7.3.
7.4
7.4.
149
(8)
Axir M Amrl
8.1
(9)
Uexu M mUMsl
(9)
Revenue Recognition
9.1
9.1.
M)
a)
Z)
b)
a)
c)
b)
d)
(10)
Employee Benefits
(10)
10.1
(8)
Impairment of Assets
An assessment is made at each balance sheet
date whether there is any indication that an
asset is impaired. If any such indication exists, an
estimate of the recoverable amount is made and
impairment loss, if any, is provided for.
MqcU sp
mUpwi AzSl relL
mUpwi AzSl relL ex puwr lk / mzl lk
M urr M m q qlri Sr ar W ij sp-Wl Zi
q mpUi Mr ar W |
10.2
M)
Z)
150
a)
b)
okriA x Mq Mr ar W |
a)
c)
ei W |
(11)
MUkl M sL mukl
(11)
M)
cs ij Axjai Sl MU M sL MU mukl Mr
ar W |
a)
Z)
b)
a)
c)
(12)
lus sp
sp
(12)
Net Profit
I.
a)
b)
c)
Z)
a)
151
II.
lqlsZi M sL MD mukl lW Sr ar
II.
M)
a)
Z)
b)
a)
c)
III.
12.2
lus sp
M)
a)
Z)
MUkl M sL mukl
b)
a)
Gh Wlr M sL mukl
c)
b)
d)
X)
c)
e)
f)
(13)
mi zrU Ael
(13)
152
Alxc 18
SCHEDULE 18
luz:
i) rj 31.03.2014 M "mUmYui M sL kUi" ua M
iWi luz M mizi xukM iUsi Almi (Lx
Ls AU) oM M qa AU qrS Sri M 21.66%
j (mNs uw 21.29%), e pUir Ueu oM M
SzlSzlxU Alqi xq M piU W |
Investments:
i) The percentage of investments under Held to
Maturity category SLR as on 31.03.2014 was
21.66% of Demand and Time Liability of the
Bank (Previous year 21.29%), which is within the
permissible limit as per RBI guidelines.
ii) Investment in Subsidiaries/Joint Ventures/
Associates in India in Schedule-8 includes
`29.40 Crore (Previous year `29.40 Crore) being
advance towards share capital in Regional Rural
Banks pending allotment of shares.
AiU-zZ slSl:
31.03.2014 iM AiU-zZ slSl M Akl xqkl M
Ezr x mkl Mrsr q mmi mur M mUpM qsl
Mr ar W | oM mur M qsl MUl ij zw oMr
mu M bOl M Aml mrx M eU UZ UW W |
Inter-Branch Transactions:
The initial matching of entries received at Head
Office for the purpose of reconciliation under InterBranch transactions upto 31.03.2014 has been done.
However, Bank is continuing its efforts to reconcile
and reduce the remaining outstanding entries.
mUxU:
i) mUxU q `211.35 MUQ (mNs uw `223.27 MUQ) M
MN xmr zqs W elM xSp q oM M m q
AiUh usZ M lwmSl soi W|
Premises:
i) Premises include certain properties having
original cost of `211.35 Crore (Previous year
`223.27 Crore) in respect of which conveyance
deeds are pending execution.
ii) Certain properties (free hold and lease hold
land and buildings) capitalized before 31st
March 2013 have been revalued on the bases of
valuation done by the approved valuers during
the year. A sum of `3569.48 Crore being the net
surplus on the revaluation has been credited to
the Revaluation Reserve during the year.
iii) Tier-II capital for the purpose of computing
Capital Adequacy Ratio has been increased
by `1572.77 Crore (45%) due to the current
revaluation. This is in tune with the Reserve Bank
of India guidelines.
(` MUQ q)
qS
(i) xAULAU
(ii) x D O 1
Almi (%)
oxs II
4.1 Capital:
(` In Crore)
oxs III
Basel II
Particulars
12.40
10.63
---
---
---
7.41
---
(i) CRAR
(ii) CET 1
Ratio (%)
153
Basel III
12.40
10.63
---
---
---
7.41
---
(iii) OrU I me
Almi (%)
(iv) OrU II me
8.00
Almi (%)
3.14
9.77
2.63
7.68
2.95
---
---
69.00
67.72
--
--
69.00
67.72
(vi) AiU
mmi OrU I
me Uz
--
Uz; exq x
Gh me
sZi:
Akql zrU
me sZi:
2500.00
-- 2500.00
zlr
3.14
(v) Percentage of
Shareholding
of the
Government
of India in the
Bank
69.00
(vi) Amount of
Additional
Tier 1 capital
raised
-(vii) Amount of
Tier 2 capital
raised; of
which
Debt capital
instrument:
2500.00
Preference
Share Capital
NIL
Instruments:
(v) oM q pUi
xUMU M
zrUkUh M
mizi (%)
8.00
--
zlr
4.2 luz:
9.77
7.68
---
2.63
2.95
---
67.72
69.00
67.72
--
--
-- 2500.00
-NIL
4.2 Investments:
(` MUQ q)
(` in Crore)
31.03.2014 31.03.2013
Particulars
31.03.2014 31.03.2013
127676.17 121350.54
M. pUi q
126779.65 120666.59
a. In India
Z. pUi x oWU
896.52
683.95
b. Outside India
896.52
683.95
847.92
217.71
805.86
121.93
42.06
95.78
rx,
ii. qsr
Ll m AD (*) qS AxjUi
M sL mukl
847.92
217.71
M. pUi q
805.86
121.93
a. In India
42.06
95.78
Z. pUi x oWU
126779.65 120666.59
b. Outside India
126828.25 121132.83
126828.25 121132.83
M. pUi q
125973.79 120544.66
a. In India
125973.79 120544.66
Z. pUi x oWU
854.46
b. Outside India
588.17
854.46
588.17
154
(` MUQ q)
uuUh
31.03.2014 31.03.2013
i. mUpM zw
217.71
629.90
774.69
25.77
144.48
437.96
iv. Ci zw
847.92
217.71
Particulars
31.03.2014 31.03.2013
i. Opening Balance
217.71
629.90
774.69
25.77
144.48
437.96
847.92
217.71
(` MUQ q)
uw M SUl
lrliq oMr
slSl
uw M SUl
AkMiq oMr
slSl
uw M SUl
miSl Axi
oMr
20.80
11092.94
778.01
zlr
zlr
zlr
36.99
18571.80
2469.41
zlr
zlr
zlr
rj
31.03.2014 M
zlr
zlr
zlr
zlr
(` in Crore)
Minimum
outstanding
during the year
Maximum
outstanding
during the year
Daily Average
outstanding
during the year
As on
31.03.2014
20.80
NIL
11092.94
NIL
778.01
NIL
NIL
NIL
36.99
NIL
18571.80
NIL
2469.41
NIL
NIL
NIL
155
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
(` MUQ q)
uw M SUl
AkMiq oMr
slSl
uw M SUl
miSl Axi
oMr
rj
31.03.2014
300.00
10860.00
2326.64
7970.00
zlr
zlr
zlr
zlr
100.00
2100.00
38.38
zlr
zlr
zlr
zlr
zlr
Particulars
Maximum
outstanding
during the year
Daily Average
outstanding
during the year
As on
31.03.2014
300.00
NIL
10860.00
NIL
2326.64
NIL
7970.00
NIL
100.00
NIL
2100.00
NIL
38.38
NIL
NIL
NIL
(` MUQ q)
x.
eUMi
Uz
(1)
(2)
(3)
"Mq luz
"aU-UOQ" "Axcai"
le xjl
h"
mipir M mipir M
lrel xq mipir M
xq
xq
xq
(4)
(5)
(6)
(7)
(i)
xuelM Emq
5893.98
5252.21
zlr
zlr
15.20
(ii)
ur xxjL
5626.23
5312.62
zlr
zlr
zlr
(iii) oM
3362.13
3199.39
98.20
88.20
88.20
(iv) le MmUO
2209.93
1690.39
155.00
zlr
zlr
739.22
739.22
zlr
zlr
zlr
1750.12
1723.64
zlr
zlr
zlr
152.48
--
--
--
--
19429.13
17917.47
253.20
88.20
103.40
(v)
Alwar / xr Eq
(vi) Alr
(vii) bOL : qsrx ij LlmAD M sL mukl
Ms
156
(` in Crore)
No.
Issuer
Amount
(1)
(2)
(3)
Extent of
Extent of
Below
Private
Investment
Placement
Grade
Securities
(4)
(5)
Extent of
Unrated
Securities
Extent of
Unlisted
Securities
(6)
(7)
(i)
PSUs
5893.98
5252.21
NIL
NIL
15.20
(ii)
Fis
5626.23
5312.62
NIL
NIL
NIL
(iii) Banks
3362.13
3199.39
98.20
88.20
88.20
2209.93
1690.39
155.00
NIL
NIL
739.22
739.22
NIL
NIL
NIL
1750.12
1723.64
NIL
NIL
NIL
152.48
--
--
--
--
19429.13
17917.47
253.20
88.20
103.40
(v)
(vi) Others
(vii) Less: Provision held towards depreciation and
NPI**
Total
*Amounts reported under columns 4,5,6 and 7 above are not mutually exclusive.
(` MUQ q)
(` in Crore)
Particulars
31.03.2014 31.03.2013
mUpM zw
225.76
179.95
1 Ams* M oS uw M SUl
xukl
110.02
31.03.2014 31.03.2013
Opening balance
225.76
179.95
79.42
110.02
79.42
69.25
33.61
69.25
33.61
Ci zw
266.53
225.76
Closing balance
266.53
225.76
kUi Ms mukl
201.53
201.26
201.53
201.26
157
4.3
urimllr:
(` MUQ q)
uuUh
31.03.2014 31.03.2013
i.
ii.
v.
4.3
6461.07
3186.00
272.24
336.00
zlr
zlr
zlr
zlr
269.62
334.03
Derivatives:
(` in Crore)
Particulars
31.03.2014 31.03.2013
i.
6461.07
3186.00
ii.
Losses which would be incurred if counter parties failed to fulfill their obligations
under the agreements
272.24
336.00
NIL
NIL
iv.
NIL
NIL
v.
269.62
334.03
(` MUQ q)
uuUh
Uz
(i)
(ii)
(iii)
zlr
(iv)
ulqr urmU ore SU urim oMr M SlM oeU qsr ij "erS mpu" lW
(sZi-uU)
zlr
158
115.80
zlr
Particulars
(i)
Notional principal amount of exchange traded interest rate derivatives undertaken during
the year (Instrument Wise)
115.80
(ii)
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
Amount
4.3.3
ahiqM mMOMUh
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.
159
C) Accounting Policy
a) sZMl li
Hedge Positions
Lq O Lq
Trading Positions
OQa M xji
160
II
mUqhiqM mMOMUh
. x.
1
uuUh
(` MUQ q)
qS urim
578.83
6361.07
zlr
100.00
31.15
272.24
- SriL (-)
zlr
-2.62
Gh eZq
zlr
1.70
- OQa
2
ore SU urim
bUs
xqSmUr
qS
urim
ore SU
urim
qS
urim
ore SU
urim
zlr
zlr
-0.08
1.04
- OQa urimr mU
zlr
0.0148
zlr
zlr
zlr
zlr
0, -0.08
1.04, 2.50
- OQa urimr mU
zlr
0.0243/0.0142
zlr
zlr
urS xuS [100%mu01] M iWi oMr xji mU ulqr SU q LM mizi mUuil M xqlr mpu : `0.40 MUQ
M sp
161
II
Quantitative disclosure
(` in Crore)
Sl.
No.
Particulars
Currency Derivatives
- Hedging
578.83
6361.07
NIL
100.00
31.15
272.24
- Liabilities (-)
NIL
-2.62
Credit Exposure
NIL
1.70
- Trading
2
Domestic
Overseas
Currency
Derivative
Interest Rate
Derivatives
Currency
Derivative
Interest Rate
Derivatives
- on hedging derivatives
NIL
NIL
-0.08
1.04
- on trading derivatives
NIL
0.0148
NIL
NIL
- on hedging
NIL
NIL
0, -0.08
1.04, 2.50
- on trading
NIL
0.0243/0.0142
NIL
NIL
Likely impact of one percentage change in exchange rate on outstanding position under forward contract
[100%PV01]: Gain of `0.40 crore.
162
4.4
Axi ahu:
(` MUQ q)
uuUh
(i)
(ii)
(iii)
M.
Z.
a.
b.
M.
Z.
a.
b.
(iv)
M.
Z.
a.
b.
X.
31.03.2014 31.03.2013
1.98
2.18
6260.16
8443.62
7133.57
7570.21
4031.75
5819.30
3590.89
6260.16
5278.07
8443.62
7756.23
5965.46
3386.31
5819.30
3927.54
5278.07
932.96
30.46
2238.03*
1640.61
1560.84
598.56
8.67
1860.99
1535.26
932.96
*AleM Axi Zi M Eci qsr q Mq M xok q `12.94 MUQ ij AleM Axi LT AD O Ls Zi M xok q `90.05 xWi
4.4
Asset Quality:
31.03.2014 31.03.2013
1.98
2.18
6260.16
8443.62
7133.57
7570.21
4031.75
5819.30
3590.89
6260.16
5278.07
8443.62
7756.23
5965.46
3386.31
5819.30
3927.54
5278.07
932.96
30.46
2238.03*
1640.61
1560.84
598.56
8.67
1860.99
1535.26
932.96
*includes Rs. 12.94 Crore in respect of diminution in fair value of NPA accounts and `90.05 in respect of NPA FITL account.
163
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
qlM
AuqlM
xSak
Wl
Ms
69
10
82
1297
1393
3920
2592
9202
oMr Uz
3511.34
224.32
480.77
0.00
4216.43
479.14
109.08
118.91
51.75
758.88
iSxok
mukl
408.07
37.35
400.52
0.00
845.94
19.30
17.35
59.32
51.75
147.72
18
20
2075
79
13
2173
2854.29
154.09
0.00
0.00
3008.39
273.38
14.00
4.64
0.03
292.06
86.88
23.17
0.00
0.00
110.05
6.32
3.19
1.54
0.03
11.08
-2
282
-104
-127
-32
19
148.46
-125.77
0.00
0.00
22.69
11.62
21.90
-9.96
-9.38
14.17
5.20
0.00
0.00
0.00
5.20
0.41
5.93
-2.24
-2.12
1.97
13
13
406
413
1033.32
0.00
0.00
0.00
1033.32
126.43
0.00
1.95
0.40
128.78
4.13
0.00
0.00
0.00
4.13
0.32
0.00
0.61
0.40
1.33
-3
-395
42
249
122
18
oMr Uz
-642.90
719.93
-166.20
212.28
123.11
-87.89
104.83
38.65
8.61
64.20
iSxok
mukl
-22.50
112.95
-192.50
212.28
110.24
-3.08
14.05
13.66
8.61
33.07
97
492
400
992
oMr Uz
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.14
iSxok
mukl
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.14
42
58
2644
1538
3848
2545
10575
oMr Uz
4485.45
802.12
274.15
239.30
5801.02
524.94
188.80
143.76
46.03
903.53
iSxok
mukl
156.99
125.05
212.61
239.30
733.95
18.37
34.80
78.62
46.03
177.04
EkUMiA M
xZr
oMr Uz
iSxok
mukl
EkUMiA M
xZr
oMr Uz
iSxok
mukl
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
EkUMiA M
xZr
EkUMiA M
xZr
EkUMiA M
xZr
164
4.4.2
Sl.
No.
ASSET CLASSIFICATION
DETAILS
RESTRUCTURE
ACCOUNTS AS
ON APRIL 1 OF FY
(OPENING FIGURES)
NO OF
BORROWERS
WRITE OFFs OF
RESTRUCTURED
ACCOUNTS DURING
THE FY
DOUBTFUL
LOSS
TOTAL
STANDARD
SUB
DOUBTFUL
STANDARD
LOSS
TOTAL
10
82
1297
1393
3920
2592
9202
AMOUNT
OUTSTANDING
3511.34
224.32
480.77
0.00
4216.43
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
18
20
2075
79
13
2173
2854.29
154.09
0.00
0.00
3008.39
273.38
14.00
4.64
0.03
292.06
86.88
23.17
0.00
0.00
110.05
6.32
3.19
1.54
0.03
11.08
-2
282
-104
-127
-32
19
148.46
-125.77
0.00
0.00
22.69
11.62
21.90
-9.96
-9.38
14.17
5.20
0.00
0.00
0.00
5.20
0.41
5.93
-2.24
-2.12
1.97
13
13
406
413
1033.32
0.00
0.00
0.00
1033.32
126.43
0.00
1.95
0.40
128.78
4.13
0.00
0.00
0.00
4.13
0.32
0.00
0.61
0.40
1.33
-3
-395
42
249
122
18
AMOUNT
OUTSTANDING
-642.90
719.93
-166.20
212.28
123.11
-87.89
104.83
38.65
8.61
64.20
PROVISION
THEREON
-22.50
112.95
-192.50
212.28
110.24
-3.08
14.05
13.66
8.61
33.07
97
492
400
992
AMOUNT
OUTSTANDING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.14
PROVISION
THEREON
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.14
42
58
2644
1538
3848
2545
10575
4485.45
802.12
274.15
239.30
5801.02
524.94
188.80
143.76
46.03
903.53
156.99
125.05
212.61
239.30
733.95
18.37
34.80
78.62
46.03
177.04
AMOUNT
OUTSTANDING
NO OF
BORROWERS
AMOUNT
OUTSTANDING
PROVISION
THEREON
RESTRUCTURED
NO OF
STANDARD
BORROWERS
ADVANCES
AMOUNT
WHICH CEASE TO
OUTSTANDING
ATTRACT HIGHER
PROVISIONING AND/
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
DOWNGRADATIONS
OF RESTRUCTURED
ACCOUNTS DURING
THE FY
SUB
STANDARD
3
PROVISION
THEREON
UPGRADATIONS
TO RESTRUCTURED
STANDARD
CATEGORY DURING
THE FY
STANDARD
69
NO OF
BORROWERS
FRESH
RESTRUCTURING
DURING THE YEAR
NO OF
BORROWERS
NO OF
BORROWERS
NO OF
BORROWERS
RESTRUCTURED
ACCOUNTS AS ON
AMOUNT
MARCH 31 OF THE FY OUTSTANDING
(CLOSING FIGURES)
PROVISION
THEREON
165
(` 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
ur uw M 31 qc
M ml:xUcl Zi
(Ci AMQ)
qlM
AuqlM
Alr
xSak
5814
1474
14412.07
1320.19
iSxok
mukl
580.31
220.26
EkUMiA M
xZr
10836
288
20
13166.90
173.68
154.07
324.84
26.52
67.86
0.67
868
-458
-243
oMr Uz
370.38
-300.77
iSxok
mukl
13.28
qlM
AuqlM
xSak
Wl
2870
6292
3509 19851.00
18402.55
1653.58
1318.71
247.37 21622.21
1427.43
1007.68
274.96
891.08
247.37
2421.09
11202
12929
369
33
64
13395
0.67 13495.31
16294.57
341.77
158.71
419.86
418.04
52.88
69.39
0.70
541.01
-114
53
1152
-564
-370
-146
72
-24.77
-8.74
36.10
530.45
-404.64
-34.73
-18.12
72.97
-33.51
6.26
-7.62
-21.59
18.88
-27.58
4.02
-9.75
-14.43
1299
1308
1718
1734
2553.49
0.54
0.11
0.00
2554.15
3713.24
0.54
2.06
0.40
3716.25
10.17
0.08
0.04
0.00
10.29
14.62
0.08
0.65
0.40
15.75
-510
-201
621
184
94
-908
-153
871
307
117
oMr Uz
-542.92
141.17
491.27
51.81
141.32
-1273.71
965.93
363.72
272.70
328.63
iSxok
mukl
-19.00
-85.36
174.63
51.81
121.93
-44.58
41.64
-4.21
272.70
265.24
10
99
288
281
678
13
196
781
681
1671
oMr Uz
0.04
0.04
0.19
0.01
0.29
0.04
0.04
0.33
0.01
0.42
iSxok
mukl
0.00
0.01
0.09
0.01
0.11
0.00
0.01
0.23
0.01
0.25
13291
1345
2668
1023
18327
15977
2889
6525
3569
28960
17946.54
660.22
22956.93
1651.14
1473.20
628.12
100.54
803.49
260.39
785.42
oMr Uz
iSxok
mukl
EkUMiA M
xZr
EkUMiA M
xZr
EkUMiA M
xZr
EkUMiA M
xZr
oMr Uz
iSxok
mukl
917
Ms
7180
oMr Uz
2362
Wl
10567
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
431.24 195.62
58
494.19 236.27
166
1458.96
0.70 16795.76
521.60 26602.87
521.60
2370.90
(` in Crore)
TYPE OF RESTRUCTURING
Sl.
No.
ASSET CLASSIFICATION
DETAILS
NO OF
BORROWERS
FRESH
RESTRUCTURING
DURING THE YEAR
RESTRUCTURED
ACCOUNTS AS ON
MARCH 31 OF THE FY
(CLOSING FIGURES)
247.37 21622.21
1427.43
1007.68
274.96
891.08
247.37
2421.09
11202
12929
369
33
64
13395
0.67 13495.31
16294.57
341.77
158.71
419.86
418.04
52.88
69.39
0.70
541.01
-114
53
1152
-564
-370
-146
72
-24.77
-8.74
36.10
530.45
-404.64
-34.73
-18.12
72.97
-33.51
6.26
-7.62
-21.59
18.88
-27.58
4.02
-9.75
-14.43
1299
1308
1718
1734
2553.49
0.54
0.11
0.00
2554.15
3713.24
0.54
2.06
0.40
3716.25
10.17
0.08
0.04
0.00
10.29
14.62
0.08
0.65
0.40
15.75
-510
-201
621
184
94
-908
-153
871
307
117
AMOUNT
OUTSTANDING
-542.92
141.17
491.27
51.81
141.32
-1273.71
965.93
363.72
272.70
328.63
PROVISION
THEREON
-19.00
-85.36
174.63
51.81
121.93
-44.58
41.64
-4.21
272.70
265.24
10
99
288
281
678
13
196
781
681
1671
AMOUNT
OUTSTANDING
0.04
0.04
0.19
0.01
0.29
0.04
0.04
0.33
0.01
0.42
PROVISION
THEREON
0.00
0.01
0.09
0.01
0.11
0.00
0.01
0.23
0.01
0.25
13291
1345
2668
1023
18327
15977
2889
6525
3569
28960
17946.54
660.22
22956.93
1651.14
1473.20
628.12
100.54
803.49
260.39
785.42
PROVISION
THEREON
1320.19
580.31
220.26
10836
288
20
13166.90
173.68
154.07
324.84
26.52
67.86
0.67
868
-458
-243
370.38
-300.77
13.28
TOTAL
1318.71
AMOUNT
OUTSTANDING
14412.07
LOSS
1653.58
NO OF
BORROWERS
917
DOUBTFUL
18402.55
NO OF
BORROWERS
1474
SUB
STANDARD
NO OF
BORROWERS
5814
STANDARD
3509 19851.00
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
TOTAL
6292
AMOUNT
OUTSTANDING
2362
LOSS
2870
NO OF
BORROWERS
UPGRADATIONS
AMOUNT
TO RESTRUCTURED
STANDARD CATEGORY OUTSTANDING
DURING THE FY
PROVISION
THEREON
DOWNGRADATIONS
OF RESTRUCTURED
ACCOUNTS DURING
THE FY
SUB
DOUBTFUL
STANDARD
7180
PROVISION
THEREON
STANDARD
TOTAL
10567
RESTRUCTURE
ACCOUNTS AS
AMOUNT
ON APRIL 1 OF
OUTSTANDING
FY(OPENING FIGURES)
PROVISION
THEREON
NO OF
BORROWERS
OTHERS
431.24 195.62
58
494.19 236.27
167
1458.96
0.70 16795.76
521.60 26602.87
521.60
2370.90
4.4.3
(` MUQ q)
uuUh
i.
Zi M xZr
(` In Crore)
Particulars
31.03.2014 31.03.2013
i.
zlr
60
v.
lus oW qsr mU
xqa sp
No. of accounts
709.96
sa lW
1166.36
sa lW
60
NIL
709.96
NA
1166.36
NA
NA
NA
456.40
NA
iv. mu M uw q AiUi
Zi M xok q uxs
Mr ar AiU
miTs
31.03.2014 31.03.2013
sa lW
realized in respect of
accounts transferred in
earlier years
sa lW
v.
sa lW
456.40
financial
assets
A.
financial
assets
M)
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)
Particulars
31.03.2014 31.03.2013
zlr
Details of
purchased
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
168
31.03.2014 31.03.2013
Z)
B.
(` MUQ q)
uuUh
oc ar Zi M xZr
60
zlr
1479.74
sa lW
1166.36
sa lW
i.
Particulars
31.03.2014 31.03.2013
i.
31.03.2014 31.03.2013
60
NIL
1479.74
NA
1166.36
NA
4.4.5
qlM Axir mU
mukl
4.5
(` In Crore)
31.03.2014 31.03.2013
1715.38
Particulars
1214.70
4.5
1715.38
1214.70
Business Ratios:
Particulars
31.03.2014 31.03.2013
31.03.2014 31.03.2013
31.03.2014 31.03.2013
i. Mrzs lk M
mizi M m q ore
Ar (%)
8.80
9.05
i. Interest income as a
percentage to Working
Funds (%)
8.80
9.05
ii. Mrzs lk M
mizi M m q aU-ore
Ar (%)
0.87
0.84
0.87
0.84
iii. Mrzs lk M
mizi M m q
mUcsliqM sp (%)
1.51
1.56
1.51
1.56
0.54
0.77
0.54
0.77
1438.38
1420.17
1438.38
1420.17
0.05
0.07
0.05
0.07
169
eq
Aaq
luz
5866.00
9488.00
237.97
(4466.37)
(5408.33)
(306.94)
26984.00
13636.00
549.02
(12222.48)
(6689.13)
(873.88)
12565.00
11119.00
55.63
(6777.22)
(7203.89)
(528.41)
14254.00
16231.00
630.41
(6040.14)
(9021.95)
(2072.29)
41560.00
20701.00
2406.82
(43194.53)
(22667.97)
(8987.10)
35584.00
21463.00
1340.02
(21281.43)
(20930.30)
(1557.68)
128792.00
40135.00
2227.65
(79823.87)
(39728.83)
(1613.55)
129055.00
76365.00
12332.09
(57729.47)
(65415.73)
(7672.61)
11232.00
27975.00
30092.29
(48627.36)
(23289.20)
(18699.15)
14832.00
63954.00
76998.41
(75693.12)
(42358.29)
(78821.22)
420724.00
301067.00
126870.31
(355855.99) (242176.62) (121132.83)
EkU
3000.00
(3054.28)
1936.43
(108.57)
275.61
(604.42)
149.79
(911.33)
2261.38
(2149.52)
2158.69
(1184.59)
1265.20
(1223.99)
5735.17
(2199.87)
4358.77
(4932.20)
6089.60
(3914.60)
27230.64
(20283.37)
uSz qS
Axir
1532.26
(842.73)
3461.26
(1643.77)
1475.28
(1208.98)
2271.01
(2304.91)
7551.54
(6722.40)
6054.11
(5074.75)
8566.44
(2793.29)
3825.78
(1380.99)
1972.76
(1565.29)
2306.04
(1812.29)
39016.48
(25349.40)
(` MUQ q)
uSz qS
SriL
1239.95
(336.14)
3305.22
(555.29)
1410.29
(1107.81)
1492.02
(2600.56)
7586.70
(8136.31)
9633.45
(4219.36)
4805.09
(2758.16)
5279.81
(642.87)
3026.43
(3789.62)
1237.52
(1203.28)
39016.48
(25349.40)
Deposits
Investments
Borrowings
5866.00
9488.00
237.97
(4466.37)
(5408.33)
(306.94)
2 to 7 days
26984.00
13636.00
549.02
(12222.48)
(6689.13)
(873.88)
8 to 14 days
12565.00
11119.00
55.63
(6777.22)
(7203.89)
(528.41)
15 to 28 days
14254.00
16231.00
630.41
(6040.14)
(9021.95)
(2072.29)
29 days to 3 months
41560.00
20701.00
2406.82
(43194.53)
(22667.97)
(8987.10)
3 months to 6 months
35584.00
21463.00
1340.02
(21281.43)
(20930.30)
(1557.68)
6 months to 1 year
128792.00
40135.00
2227.65
(79823.87)
(39728.83)
(1613.55)
1 year to 3 years
129055.00
76365.00
12332.09
(57729.47)
(65415.73)
(7672.61)
3 years to 5 years
11232.00
27975.00
30092.29
(48627.36)
(23289.20)
(18699.15)
Over 5 years
14832.00
63954.00
76998.41
(75693.12)
(42358.29)
(78821.22)
Total
420724.00
301067.00
126870.31
(355855.99) (242176.62) (121132.83)
Advances
3000.00
(3054.28)
1936.43
(108.57)
275.61
(604.42)
149.79
(911.33)
2261.38
(2149.52)
2158.69
(1184.59)
1265.20
(1223.99)
5735.17
(2199.87)
4358.77
(4932.20)
6089.60
(3914.60)
27230.64
(20283.37)
1 day
170
(` in Crore)
Foreign Currency Foreign Currency
Assets
Liabilities
1532.26
1239.95
(842.73)
(336.14)
3461.26
3305.22
(1643.77)
(555.29)
1475.28
1410.29
(1208.98)
(1107.81)
2271.01
1492.02
(2304.91)
(2600.56)
7551.54
7586.70
(6722.40)
(8136.31)
6054.11
9633.45
(5074.75)
(4219.36)
8566.44
4805.09
(2793.29)
(2758.16)
3825.78
5279.81
(1380.99)
(642.87)
1972.76
3026.43
(1565.29)
(3789.62)
2306.04
1237.52
(1812.29)
(1203.28)
39016.48
39016.48
(25349.40)
(25349.40)
4.7
Gh eZq:
4.7.1 xjuU xmS q Gh eZq:
(` MUQ q)
31.03.2014 31.03.2013
17039.39
11324.69
14210.20
9705.36
8984.47
6175.52
2828.19
1617.88
1.00
1.45
M. Auxr
1.00
1.45
zlr
zlr
9515.30
4445.53
9515.30
4445.53
26554.69
15770.22
M)
mir Gh eZq
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 |
Z) Amir Gh eZq
Ur Aux oM (LlLco) ij Aux u Mmlr (LcLTx) xok lk AkUi ij aU
lk AkUi Gh eZq
xjuU xmS M Ms Gh eZq
(rj mokl U xMsi u mqhMi ij sZ mUM U Ai)
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)
171
(` in Crore)
31.03.2014 31.03.2013
17039.39 11324.69
14210.20
9705.36
8984.47
2828.19
6175.52
1617.88
1.00
1.00
NIL
9515.30
9515.30
1.45
1.45
NIL
4445.53
4445.53
26554.69
15770.22
31.03.2014
31.03.2013
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
1064.79
1119.57
ii.
zlr
zlr
iii.
673.58
1063.88
zlr
zlr
v.
730.70
859.88
vi.
zlr
zlr
vii.
zlr
zlr
viii.
zlr
zlr
zlr
zlr
411.15
348.13
2880.22
3391.46
ix.
x.
172
31.03.2014
31.03.2013
1064.79
1119.57
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.
673.58
1063.88
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
NIL
v.
730.70
859.88
vi.
NIL
NIL
vii.
NIL
NIL
viii.
NIL
NIL
ix.
NIL
NIL
x.
411.15
348.13
2880.22
3391.46
173
rj 31.03.2014
M Gh eZq
(lus)
rj 31.03.2014
M kUi
mukl
rj 31.03.2013
M Gh eZq
(lus)
rj 31.03.2013
M kUi mukl
lahr
10775.60
zlr
4447.31
zlr
Mq
21876.47
6.84
14679.66
zlr
2223.46
zlr
927.91
zlr
82.19
zlr
63.57
zlr
oWi erS
0.87
zlr
2.32
zlr
mioki
0.00
zlr
0.00
zlr
BT- QO
1.75
zlr
3.07
zlr
34960.34
6.84
20123.84
zlr
xqlr
E
Ms
Exposure (net)
as at
31.03.2014
Provision held
as at
31.03.2014
Exposure (net)
as at
31.03.2013
Provision held
as at
31.03.2013
Insignificant
10775.60
NIL
4447.31
NIL
Low
21876.47
6.84
14679.66
NIL
2223.46
NIL
927.91
NIL
82.19
NIL
63.57
NIL
Very High
0.87
NIL
2.32
NIL
Restricted
0.00
NIL
0.00
NIL
Off-credit
1.75
NIL
3.07
NIL
34960.34
6.84
20123.84
NIL
Moderate
High
TOTAL
174
uuUh
(` in Crore)
31.03.2014 31.03.2013
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
49002.74
42158.81
4863.02
7858.93
9276.59
8165.46
Particulars
Total Unsecured Advance
Out of which
i) Amount of advances
outstanding against charge
over intangible securities
such as rights, licenses,
authorizations etc. charged
to the Bank as collateral
ii) The estimated value of such
intangible securities (as in (i)
above)
(` MUQ q)
ArMU Wi mukl
(xm MU ij Axjai
MU xWi)
31.03.2014 31.03.2013
625.00
Particulars
800.00
49002.74
42158.81
4863.02
7858.93
9276.59
8165.46
4.8. Miscellaneous:
4.8.1 Amount of Provisions made for Income Tax during
the year:
(` in Crore)
4.8 uuk:
uuUh
31.03.2014 31.03.2013
31.03.2014 31.03.2013
625.00
800.00
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:
175
5.1
5.1
lir q
mUuil:
5.2
uUi,
mSi
AU
pUir
xlS
EmSl
mzl
uzwkMU N
Urri SU
9.25%
9.25%
9.25%
9.15%
9.15%
zlr
uil q oRU
5.50%
5.50%
5.50%
mzl q oRU
zlr
2.50%
zlr
AD L Ls Lq
AD L Ls Lq
AD L Ls Lq
(2006-08) AkUpi (2006-08) AkUpi (2006-08)AkUpi
qir SU
Principal Actuarial Assumptions
Particulars
Gratuity
Pension
Privilege Leave
Discount Rate
9.25%
9.25%
9.25%
9.15%
9.15%
NIL
Salary Escalation
5.50%
5.50%
5.50%
NIL
2.50%
NIL
Pension Escalation
Mortality
IALM (2006-08)
Ultimate
176
IALM (2006-08)
Ultimate
IALM (2006-08)
Ultimate
(` MUQ q)
uw M zAi q Q o A
mzl
uzwkMU N
1619.12
8584.93
706.01
xu sai
28.00
149.83
30.01
ore sai
126.28
672.06
58.74
39.51
225.32
(70.54)
sp pail
(202.57)
(596.28)
zlr
uw M Ai q Q o A
1,610.34
9035.86
724.22
oqMM sp / (Wlr)
5
6
EmSl
mzl
uzwkMU N
1519.18
8080.08
113.43
634.29
293.33
137.46
484.67
sp pail
(202.57)
(596.28)
1567.50
8896.09
Change in obligation and assets over the year ending 31 Mar 2014
(` in Crore)
A
Pension
Privilege Leave
1619.12
8584.93
706.01
Service Cost
28.00
149.83
30.01
Interest Cost
126.28
672.06
58.74
39.51
225.32
(70.54)
Benefit Payments
(202.57)
(596.28)
Nil
1,610.34
9035.86
724.22
5
6
Gratuity
Pension
(` in Crore)
Privilege Leave
1519.18
8080.08
113.43
634.29
293.33
137.46
484.67
Benefits payments
(202.57)
(596.28)
1567.50
8896.09
177
Alpuai CiWx
(` MUQ q)
EmSl
mzl
uzwkMU N
uw M Ai q mUpwi Sriu sp
1610.34
9035.86
724.22
uw M Ai q relai Axir
1567.50
8896.09
lkrl xji
(42.84)
(139.77)
(724.22)
46.89
813.58
(100.78)
137.46
484.67
Experience History
(` in Crore)
Gratuity
Pension
Privilege Leave
1610.34
9035.86
724.22
1567.50
8896.09
Funded Status
(42.84)
(139.77)
(724.22)
46.89
813.58
(100.78)
137.46
484.67
(` MUQ q)
rj 31 qc, 2013 M islm q qlri mmi lus Axi (Sri)
EmSl
mzl
uzwkMU N
1,619.12
8584.93
706.01
1519.18
8080.08
(99.94)
(504.85)
(706.01)
(99.94)
(504.85)
(706.01)
(` in Crore)
Net Asset (Liability) Recognized in Balance Sheet - 31 March 2013
Gratuity
Pension
Privilege Leave
1,619.12
8584.93
706.01
1519.18
8080.08
(99.94)
(504.85)
(706.01)
(99.94)
(504.85)
(706.01)
178
(` MUQ q)
lr urr M bOM
EmSl
1
mzl
uzwkMU N
28.00
149.83
30.01
126.28
672.06
58.74
(113.43)
(634.29)
ore sai
(97.95)
(259.35)
(70.54)
(57.10)
(71.75)
18.20
Pension
Privilege Leave
28.00
149.83
30.01
126.28
672.06
58.74
(113.43)
(634.29)
Interest Cost
(97.95)
(259.35)
(70.54)
(57.10)
(71.75)
18.20
(` MUQ q)
EmSl
mzl
uzwkMU N
1,610.34
9035.86
724.22
1567.50
8896.09
(42.84)
(139.77)
(724.22)
(42.84)
(139.77)
(724.22)
Pension
Privilege Leave
1,610.34
9035.86
724.22
1567.50
8896.09
(42.84)
(139.77)
(724.22)
(42.84)
(139.77)
(724.22)
179
5.3
sZMl qlSQ- 17
17- ZQ UmOa:
pa M - MUoU ZQ:
(` MUQ q)
xqmi uw
MUoU ZQ
31.03.2014 31.03.2013
(M) ZQ Uexu
1 UeMw mUcsl
11079.17
10294.45
10788.38
9463.97
jM oMa mUcsl
20806.56
17223.41
0.00
0.00
806.26
249.11
43480.37
37230.94
1463.00
1115.81
1722.43
1864.14
jM oMa mUcsl
2946.74
2705.43
0.00
0.00
6132.17
5685.38
664.02
204.63
(b) mUcsl sp
6796.19
5890.01
3733.00
2217.91
625.00
800.00
2438.19
2872.10
167100.83
150904.28
99619.98
78711.04
aU AoOi
Ms
(Z) ZQ mUhq
1 UeMw mUcsl
2 ZSU oMa mUcsl
3
4
Ms
(a) aU AoOi Ar / urur
(c) Ar MU
(N) lus sp
(e) Alr xclL
(f) ZQ Axir*
1 UeMw mUcsl
2 ZSU oMa mUcsl
3
jM oMa mUcsl
209370.03
171294.18
0.00
0.00
aU AoOi Axir
Ms
(g) ZQ SriL
1 UeMw mUcsl
2 ZSU oMa mUcsl
10332.76
9399.87
486423.60
410309.37
51466.11
28855.45
183552.33
156299.98
199789.78
180253.80
jM oMa mUcsl
0.00
0.00
aU AoOi SriL
27493.52
22055.59
me AU AUi lkr*
24121.86
22844.55
486423.60
410309.37
Ms
( mlqsrMl AUi lk M NQMU)
*
180
5.3
Year ended
31.03.2014 31.03.2013
(a)
Segment Revenue
Treasury Operations
11079.17
10294.45
10788.38
9463.97
20806.56
17223.41
0.00
0.00
Unallocated
806.26
249.11
43480.37
37230.94
Total
(b) Segment Results
1
Treasury Operations
1463.00
1115.81
1722.43
1864.14
2946.74
2705.43
0.00
0.00
6132.17
5685.38
664.02
204.63
6796.19
5890.01
(e)
3733.00
2217.91
(f)
Income Tax
625.00
800.00
2438.19
2872.10
167100.83
150904.28
99619.98
78711.04
209370.03
171294.18
0.00
0.00
10332.76
9399.87
486423.60
410309.37
51466.11
28855.45
Total
(c)
Unallocated Income/Expenses
Segment Assets*
Treasury Operations
Unallocated Assets
Total
( j)
Segment Liabilities
Treasury Operations
183552.33
156299.98
199789.78
180253.80
0.00
0.00
Unallocated Liabilities
27493.52
22055.59
24121.86
22844.55
486423.60
410309.37
Total
(* Excluding Revaluation Reserve)
181
pa Z: pasM ZQ:
(` MUQ q)
xqmi uw
31.03.2014 31.03.2013
pasM ZQ
M
Sz mUcsl
Uexu
Axir
uSz mUcsl
Uexu
Axir
Ms
Uexu
Axir*
42431.73
449034.29
36645.47
386312.09
1048.64
37389.31
585.47
23997.28
43480.37
486423.60
37230.94
410309.37
Domestic Operations
Revenue
Assets
International Operations
Revenue
Assets
Total
Revenue
Assets*
Year ended
31.03.2014 31.03.2013
42431.73
449034.29
36645.47
386312.09
1048.64
37389.31
585.47
23997.28
43480.37
486423.60
37230.94
410309.37
5.4
5.4.1 qWiumh mokl MqM i) Ueu MzU So, Akr u mok lSzM
ii) AzM MqU ami, MrmsM lSzM
iii) u Lx MwhMqU, MrmsM lSzM
(04.04.2013 x)
iv) mql xW Uui, MrmsM lSzM
(05.08.2013 x)
v) qi Acl Lx pau, MrmsM lSzM
(22.04.2013 iM)
182
5.4.2 mkl
i) MlU oM
5.4.2 Parent
i) Canara Bank
5.4.3 Alwar
5.4.3 Subsidiaries
i) Canbank Financial Services Ltd.
i)
5.4.4 xr Eq
i)
5.4.5 Associates
i) Canfin Homes Ltd.
Z)
a)
b)
183
Alwar
xWo
xxjL u
xr Eq
zlr
(zlr)
zlr
(zlr)
49.40
(70.90)
49.40
(73.20)
125.91
(164.94)
212.85
(175.21)
1443.18
(968.81)
1453.18
(1059.57)
zlr
(zlr)
zlr
(zlr)
130.32
(118.07)
130.32
(118.07)
454.53
(423.46)
454.53
(698.77)
2679.16
(1595.99)
3135.40
(2044.66)
zlr
(609.80)
zlr
(609.80)
zlr
(99.75)
zlr
(99.75)
11.82
(10.14)
11.82
(10.14)
512.87
(150.32)
512.87
(168.38)
2.72
(0.05)
2.72
(0.05)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(zlr)
zlr
(1950.00)
1950
(1950.00)
Subsidiaries Associates
& Joint
Ventures
NIL
(NIL)
NIL
(NIL)
49.40
(70.90)
49.40
(73.20)
125.91
(164.94)
212.85
(175.21)
1443.18
(968.81)
1453.18
(1059.57)
NIL
(NIL)
NIL
(NIL)
130.32
(118.07)
130.32
(118.07)
454.53
(423.46)
454.53
(698.77)
2679.16
(1595.99)
3135.40
(2044.66)
NIL
(609.80)
NIL
(609.80)
NIL
(99.75)
NIL
(99.75)
11.82
(10.14)
11.82
(10.14)
512.87
(150.32)
512.87
(168.38)
2.72
(0.05)
2.72
(0.05)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(NIL)
NIL
(1950.00)
1950
(1950.00)
184
S ore
zlr
(3.18)
zlr
(3.18)
zlr
(zlr)
zlr
(zlr)
zlr
(0.04)
zlr
(0.55)
0.02
NIL
(3.18)
NIL
(3.18)
NIL
(NIL)
NIL
(NIL)
NIL
(0.04)
NIL
(0.55)
0.02
(NIL)
0.02
(NIL)
13.11
(12.49)
95.48
(159.77)
Interest received
26.48
(44.24)
283.59
(191.03)
6.00
(8.24)
NIL
(NIL)
(zlr)
0.02
(zlr)
Interest paid
13.11
(12.49)
95.48
(159.77)
26.48
(44.24)
283.59
(191.03)
6.00
(8.24)
zlr
(zlr)
Dividend received
zlr
(20.00)
zlr
(zlr)
NIL
(20.00)
NIL
(NIL)
10.00
(30.00)
zlr
(zlr)
10.00
(30.00)
NIL
(NIL)
mS mqrq
98.74
(50.68)
zlr
(zlr)
Premium Paid
98.74
(50.68)
NIL
(NIL)
xu Emsok MUl
25.18
(37.74)
0.67
(2.38)
Rendering of Service
25.18
(37.74)
0.67
(2.38)
xuA M sL mS
49.97
(21.58)
0.02
(zlr)
49.97
(21.58)
0.02
(NIL)
72.05
(zlr)
zlr
(zlr)
72.05
(NIL)
NIL
(NIL)
mmi ore
mmi spz
185
5.5
M
Z
a
b
Q
5.6
sZ qlM-20
qlM-20-m
-mi zrU Ael:
5.5
B
C
D
E
5.6
sZ qlM - 22 - Ar mU MU M sZMl:
oM l Axjai MU Axir / SriA (Q O L / Q O
Ls) M lkUh Mr W AU rj 31.03.2014 M lus
Axjai MU Sri M lql mMU x sZMl Mr W:
Particulars
Interest accrued but not due on securities
Leave Encashment
Depreciation on Fixed Assets
Others
DTL on Special Reserve created u/s 36(1)(viii) of IT
Act,1961
Deferred Tax Asset/ Liability
331.53
344.12
331.53
2104.61
658.50
(` in Crore)
Deferred Tax Liability
31.03.2014
31.03.2013
854.69
656.53
60.28
1189.65
1.97
2104.61
658.50
186
5.7
31.03.2014 31.03.2014
M xqmi
M xqmi
cs uw
cs uw
AqUM QsU
`
000 q
MUQ q
31.03.2013 31.03.2013
oM M zrU
oM M zrU
M xqmi ai M xqmi ai
@ 40
40%
@ 40
40%
uw
uw
AqUM QsU
`
`
`
000 q
MUQ q
MUQ q
MUQ q
Ms me u AUi lkr
42,403
254.06
101.62
34,961
189.79
75.91
Ms SriL
59,458
356.24
142.50
57,547
312.39
124.96
Ms Axir
101,861
610.30
244.12
92,508
502.18
200.87
Ms Ar
7,212
43.21
17.28
7,538
41.01
16.40
Ms urr
3,141
18.82
7.53
3,429
18.65
7.46
sp
4,071
24.39
9.75
4,109
22.36
8.94
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
31/03/2014 31/03/2014 @ 40% 31/03/2013 31/03/2013 @ 40%
In 000 US
Dollars
` in Crore
` in Crore
In 000 US
Dollars
` in Crore
` in Crore
42,403
254.06
101.62
34,961
189.79
75.91
Aggregate Liabilities
59,458
356.24
142.50
57,547
312.39
124.96
101,861
610.30
244.12
92,508
502.18
200.87
7,212
43.21
17.28
7,538
41.01
16.40
Aggregate Assets
Aggregate Income
Aggregate Expenditure
3,141
18.82
7.53
3,429
18.65
7.46
Profit
4,071
24.39
9.75
4,109
22.36
8.94
187
uuUh
AMxqM SriA M sL mukl M csl
5.9
93.00
(` MUQ q)
umx /
xqrei ML
ar mukl
31.03.2014 M
xqml
93.00
10.09
10.09
Particulars
Movement of Provision for Contingent Liabilities
93.00
10.09
Provision
reversed /
adjusted
Closing as on
31.03.2014
93.00
10.09
6. AiU mMOMUh
6. Additional Disclosures
(` MUQ q)
uuUh
31.03.2014
31.03.2013
Particulars
luz qsrx / Ll m
AD M sL mukl
692.42
(371.31)
AleM Axir M sL
mukl
Provision for
Depreciation on
Investment and NPI
2135.04
1860.99
qlM mUxmr M sL
mukl
478.41
255.61
625.00
800.00
Eci qsr q x M sL
mukl
(6.32)
361.46
mUxm M zM uxs M
sL mukl
8.00
21.00
Sz Gh eZq M sL
mukl
7.00
Alr AMxqMiA ij
LT AD O Ls M sL
mukl
Ms
31.03.2014
31.03.2013
692.42
(371.31)
2135.04
1860.99
Provision towards
Standard Asset
478.41
255.61
625.00
800.00
(6.32)
361.46
8.00
21.00
NIL
7.00
NIL
418.45
90.16
418.45
90.16
4358.00
3017.91
4358.00
3017.91
TOTAL
188
31.03.2014
zlr
zlr
(` MUQ q)
31.03.2013
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
31.03.2014
NIL
NIL
(` in Crore)
31.03.2013
NIL
NIL
NIL
NIL
NIL
NIL
189
M) aWM zMri
L O Lq xoki zMri xWi)
(L
x. uuUh
(M) uw
M
(Z) uw
M
(a) uw
M
(b) uw
M
Sl.No. Particulars
1708
(a)
1708
90286
(b)
90286
90729
(c)
Number of complaints
during the year
redressed
90729
1265
(d)
1265
Sl.No. Particulars
2
(a)
19
(b)
19
19
(c)
19
(d)
zlr
Nil.
190
ur
u
r mpu:
Financial Impact:
LOCs are issued by the Bank on behalf of overseas units
undertaking to meet all liabilities and obligations of the
overseas unit.
xOO oM M xj oM M LM xr Eq W ij E xr
Eq M AU x oM l Ao iM MD cMi Axl m eU
lW Mr W |
(` MUQ q)
(` in Crore)
x.
uuUh
Sl.
No.
31.03.2014 31.03.2013
Nature of Income
31.03.2014 31.03.2013
eul oq msxr M
ur
26.12
25.90
26.12
25.90
aU-eul oq msxr
M ur
13.80
11.92
13.80
11.92
qrcAs TQ EimS M
ur
5.90
4.95
5.90
4.95
Alr (xuxjr oq
msx)
0.73
Other (Health
Insurance Policies)
0.73
46.55
42.77
46.55
42.77
Ms
TOTAL
191
(` MUQ q)
ox oQ eqMiA M Ms eq
oM M Ms eqA q x ox oQ eqMiA
M eqA M mizi
(` in Crore)
62401.17
62401.17
14.83%
14.83%
(` MUQ q)
ox oQ EkUMiA M Ms Aaq
28874.71
oM M Ms Aaq q x ox oQ EkUMiA M
Aaq M mizi
6.9.3 luz M MSMUh:
9.59%
oM M Ms luz q x ox oQ EkUMiA/
aWM M luz M mizi
6.9.4 Ll m L M MSMUh:
59402.17
59402.17
11.11%
11.11%
1165.85
6.10 - uU Ll m L
x.
9.59%
(` in Crore)
(` MUQ q)
28874.71
(` MUQ q)
(` in Crore)
1165.85
Sl.
No.
Sector
Percentage of NPAs to
Total Advances in that
sector
Mw u xo r
Msm
2.01
2.01
Ea (xq u sb,
qkrq ij oQ)
3.36
3.36
xuL
4.51
Services
4.51
urai Gh
0.94
Personal Loans
0.94
192
6.11
Ll m L M AiUh:
(` MUQ q)
uuUh
(` in Crore)
Uz
Particulars
Amount
6260.16
6260.16
8443.62
8443.62
Em - Ms (M)
Sub-total (A)
14703.78
14703.78
bOL:-
Less:-
(i) Ail
(i) Upgradations
2853.26
2689.06
2689.06
1010.45
1010.45
580.80
Sub-total (B)
Gross NPAs as on 31st March 2014
(closing balance) (A-B)
7133.57
7570.21
580.80
7133.57
7570.21
31.03.2014 31.03.2013
31.03.2014 31.03.2013
6416.90
Opening balance of
Technical/ Prudential
written-off accounts as
at April 1
7396.09
6416.90
1010.45
1321.54
Add: Technical/
Prudential write-offs
during the year
1010.45
1321.54
8406.54
7738.44
Sub-total (A)
8406.54
7738.44
1021.78
342.35
7384.76
7396.09
rj Ams 1 M iMlM /
mQzrs o Zi q Qs
aL Zi M mUpM zw
7396.09
1021.78
342.35
Less: Recoveries
made from previously
technical/ prudential
written-off accounts
during the year (B)*
rj qc 31 M Ci zw
(M - Z)
7384.76
7396.09
Closing balance as at
March 31 (A-B)
193
6.13
uuUh
(` in Crore)
Uz
Ms Axir
Particulars
198.94
168.76
Total Revenue
1048.63
isl m q zqs
zqs l Wl us mrei Lx m u
(sZMl qlSQ M AlxU xqMi ML el M
AuzrMi W)
1048.63
mrei Lx m u M lq
6.15
37389.31
198.94
168.76
Ms Uexu
Amount
Total Assets
37389.31
Ms Ll m L : xMs
lus
6.14
(` MUQ q)
bUs
xqSmUr
Domestic
Overseas
zlr
zlr
NIL
NIL
194
6.16
x.
1.
2.
3.
4.
6.16.
Sl.
No.
1.
2.
3.
(` MUQ q)
uuUh
xZr / Uz
zlr
(` in Crore)
No./
Amount
Particulars
195
NIL
6.17
6.18
6.19
qsr x soi W |
196
7.
7.
ml: qo / mluaMi Mr ar W |
u xMqU
qQs mokM
Lq cS zZU
xWrM qW mokM
Ll xuzMUl
Em qW mokM
Ll xsuUel
qW mokM
mql xW Uui
MrmsM lSzM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
Q. Uei pau
lSzM
e u xozu Uu
lSzM
e u qhqUl
lSzM
xil xlW
lSzM
xer el
lSzM
Mi
m cmQ LhQ M
xlS sZMU
z Ll mZlr
xfSU
Mi
Mi
L AU Sx LhQ LxxLOx Lx x uxSu LhQ M
xlS sZMU
xlS sZMU
zrqs MqU lrM
xfSU
xer uxSu
xfSU
Mi
ulr MqU LhQ M
xlS sZMU
Mi
TQ, UQx mYx LhQ M
xlS sZMU
lZs xbs
xfSU
L Q zhr
xfSU
oasU
05 qD, 2014
V SUKUMAR
DIVISIONAL MANAGER
M CHANDRA SEKHAR
ASSISTANT GENERAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
N SELVARAJAN
GENERAL MANAGER
P S RAWAT
EXECUTIVE DIRECTOR
V S KRISHNA KUMAR
EXECUTIVE DIRECTOR
R K DUBEY
CMD
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUNIL HUKUMCHAND
KOCHETA
DIRECTOR
SUTANU SINHA
DIRECTOR
SANJAY JAIN
DIRECTOR
For
VINAY KUMAR & Co.
Chartered Accountants
For
FORD RHODES PARKS & Co.
Chartered Accountants
NIKHIL SINGHAL
Partner
A D SHENOY
Partner
For
P CHOPRA & Co.
Chartered Accountants
HRUDYESH N PANKHANIA
Partner
For
For
A R DAS & ASSOCIATES S C VASUDEVA & Co.
Chartered Accountants Chartered Accountants
SYAMAL KUMAR NAYAK
Partner
BANGALORE
MAY 05,2014
197
SANJAY VASUDEVA
Partner
xip 3 (oxs II
II)) mMOl
ahiqM mMOl:
Qualitative Disclosures:
M. oM M lq exM sL rW Rc sa W: MlU oM
1.
1.
198
c.
mUqhiqM mMOl:
Quantitative Disclosures:
1.
Qualitative Disclosures:
Our Banks Tier I Capital comprises of Equity Shares,
Reserves and Innovative Perpetual Bonds.
eU ij
xii u qa
uMsm
Mml SU
` qsrl q
Zs I
pUi q
30.03.2009
30.03.2019
9.00%
2,403.0
Zs II
pUi q
21.08.2009
21.08.2019
9.10%
6,000.0
Zs III
pUi q
03.08.2010
03.08.2020
9.05%
7,493.0
Ms
15,896.0
uuUh
199
Date of Issue
Coupon Rate
` in millions
Series I
In India
30.03.2009
30.03.2019
9.00%
2,403.0
Series II
In India
21.08.2009
21.08.2019
9.10%
6,000.0
Series III
In India
03.08.2010
03.08.2020
9.05%
7,493.0
TOTAL
15,896.0
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%
` qsrl q
5,000.0
5,000.0
Zs III
pUi q
29.09.2010
28.09.2025
8.62%
10,000.0
Ms
20,000.0
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%
16.09.2006
23.03.2007
Date of
Maturity
16.09.2021
23.03.2022
Coupon
Rate
9.00%
10.00%
29.09.2010
28.09.2025
8.62%
10,000.0
TOTAL
6.365%
20,000.0
250mn US $
Mml SU
6.75%
7.05%
7.40%
8.15%
8.85%
9.90%
9.00%
8.08%
9.73%
9.70%
Ms
` qsrl q
2,635.0
5,000.0
5,000.0
4,250.0
5,750.0
4,000.0
7,000.0
3,250.0
15,000.0
10,000.0
61,885.0
FC BONDS
a) lqliU OrU II oQ
uuUh
Zs VI
Zs VII
Zs VIII
Zs IX
Zs IX M
Zs X
Zs XI
Zs XII
oxs III OrU II Zs I
oxs III OrU II Zs II
Outside India
27.11.2006
27.11.2016
xjl
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
pUi q
eU ij
30.09.2004
18.02.2005
29.09.2005
01.03.2006
15.09.2006
30.03.2007
09.01.2008
16.01.2009
03.01.2014
27.03.2014
mUmYui ij
31.05.2014
18.05.2014
29.04.2015
01.05.2015
15.09.2016
30.03.2017
09.01.2018
16.01.2019
03.01.2024
27.03.2024
200
`. in millions
5,000.0
5,000.0
Place
In India
In India
In India
In India
In India
In India
In India
In India
In India
In India
Date of Issue
30.09.2004
18.02.2005
29.09.2005
01.03.2006
15.09.2006
30.03.2007
09.01.2008
16.01.2009
03.01.2014
27.03.2014
Date of
Maturity
31.05.2014
18.05.2014
29.04.2015
01.05.2015
15.09.2016
30.03.2017
09.01.2018
16.01.2019
03.01.2024
27.03.2024
Coupon
Rate
6.75%
7.05%
7.40%
8.15%
8.85%
9.90%
9.00%
8.08%
9.73%
9.70%
TOTAL
`. in millions
2,635.0
5,000.0
5,000.0
4,250.0
5,750.0
4,000.0
7,000.0
3,250.0
15,000.0
10,000.0
61,885.0
oM l cs u uw M SUl MD ADmQAD eU lW M W |
The Bank has not issued any IPDI during the current
financial year.
The Bank has the call option after 10 years from the
date of issue with the prior approval of Reserve Bank
of India.
The debt instruments shall be subjected to a lockin clause, in terms of which, the Bank shall not be
ore xci lW Wa |
201
The Bank has not issued Upper Tier II Bond during the
current financial year.
Cl Gh sZi M xs U L L L (xjU) AU oM uM
UOa U oQosrAU L L L UOa Sr ar W|
202
The Bank has Call Option after 10 years from the date
of issue with the RBIs approval.
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.
lqliU OrU II oQ
uuUh
xjl
eU ij
mUmYui ij
Mml SU
` qsrl q
pUi q
03.01.2014
03.01.2024
9.73%
15,000.0
pUi q
27.03.2014
27.03.2024
9.70%
10,000.0
Ms
25,000.0
Date of Issue
Date of Maturity
Coupon Rate
` in millions
In India
03.01.2014
03.01.2024
9.73%
15,000.0
In India
27.03.2014
27.03.2024
9.70%
10,000.0
Total
25,000.0
Particulars
203
Cl oQ M Auk 9 x 10 uw M W |
qMos ah ql era |
mUqhiqM mMOl:
qM
(M)
Uz (`
(` qsrl q)
31.03.2014 31.03.2013
qS
OrU I me M Uz exq lql mMOl W:
mS zrU me
4,612.60
4,430.00
AUi lkr
232,339.20
220,972.50
15,896.00
15,896.00
Alr me sZi
252,847.80
241,298.50
3,684.90
3,536.50
249,162.90
237,762.00
97,802.60
63,879.90
34,978.80
33,571.60
0.00
0.00
19,991.50
24,142.90
Em eQ
Ms OrU I me
(Z)
(a)
(b)
(X)
(c)
Ms oMr Uz
me lkr M m q ahl M sL m Uz
Ms oMr Uz
61,885.00
37,639.50
25,000.00
0.00
me lkr M m q ahl M sL m Uz
me x Alr MOir, AaU MD W i
37,550.00
19,927.00
0.00
0.00
346,965.50
301,641.90
Ms m me - OrU I + OrU II (M + Z - X)
204
Quantitative Disclosures:
Sl.
No.
Amount (` in millions)
Items
31.03.2014
31.03.2013
4,612.60
4,430.00
232,339.20
220,972.50
15,896.00
15,896.00
252,847.80
241,298.50
3,684.90
3,536.50
249,162.90
237,762.00
97,802.60
63,879.90
34,978.80
33,571.60
0.00
0.00
19,991.50
24,142.90
61,885.00
37,639.50
25,000.00
0.00
37,550.00
19,927.00
0.00
0.00
346,965.50
301,641.90
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:
Qualitative Disclosures:
The Bank has put in place a robust Risk Management
Architecture with due focus on Capital optimization and
on profit maximization, i.e. to do maximum business out
of the available capital which in turn maximize profit
or return on equity. Bank is benchmarking on globally
accepted sound risk management system, conforming to
Basel III framework, enabling a more efficient equitable
and prudent allocation of resources.
205
oM M me Arel mr q lql M xq M ei W:
oM M uiql me AuzrMi
Uz ((` qsrl q)
qS
31.03.2014
Gh eZq M sL me AuzrMiL
qlMMi SMh M Akl xupa
244,354.32
185,574.50
1,686.83
zlr
13,090.56
14,625.80
592.47
386.10
5,156.27
4,361.50
15,394.60
14,065.20
11.14
12.40
8.00
9.77
11.37
12.61
8.24
9.99
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)
31.03.2013
206
Quantitative Disclosures:
Sl.
No.
(a)
Amount (` in millions)
Items
31.03.2014
31.03.2013
244,354.32
185,574.50
1,686.83
NIL
13,090.56
14,625.80
592.47
386.10
5,156.27
4,361.50
15,394.60
14,065.20
11.14
12.40
8.00
9.77
11.37
12.61
8.24
9.99
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
mMOl mm
isM 4:: Gh eZq:
xqlr mMO
Ol:
ahiqM mMOl:
oM M lir xqi eZq EPl AU eZq ij miTs
q xuxj xisl M qli W | eZq mokl M AWq sr W
xuMr qlSQ M ASU Lu ulrqM mkMU, eqMiA
AU Alr xOM kUM M AmA M Alm zrU kUM M
sL qsr AkMiq oll | oM M eZq mokl M qaSzM
x W : ulriqM Lu up AmA M Almsl, eZq
AU miTs q xisl Mrq MUl, eZq rMsm M
AeS xli MUl AU eZq mokl AU urmUM sr
M qs-qsm, oM M Gh eZq mokl mr zzs
xaPliqM xxMi Lu Px mUcsliqM mrA M mj
mU csi W exq MmUO qsr, Apu, xqir, urmUM
l xkl M lrel, AiUM lrh xxMi, mpuzs
AiUM UmOa Lu mxaM relA M xquz Wi W |
207
208
lSzM qQs
Board of Directors
qQs uMx Ss
Department,
Risk
209
210
211
Monitoring tools like Credit Monitoring Format (webbased), Quarterly Information Systems, Half Yearly
Operation Systems, Stock Audits, Special Watch List
Accounts, etc.
m q lkUi MUi W, eW :
r ML aL AU plr ar os M qqs q e os 90
Sl x AkM M Auk M sL AiSr W |
212
mUqhiqM mMOl:
(M) Ms xMs Gh eZq
(Uz ` qsrl q)
lk AkUi Gh eZq
xqa Gh eZq
31.03.2014
31.03.2013
aU - lk AkUi
Gh eZq
31.03.2014
31.03.2013
Ms xqa Gh eZq (Gh eZq mzql iMlM M mpu 3,034,310.24 2,439,358.31 2,150,362.95 2,449,696.83
ESWUhj xmM AU xqrel M krl q UZ ol mrer
sZMl mhs M AlxU mixisl M sZMl MUl M oS)
Quantitative Disclosures:
(a) Total Gross Credit Exposures
Amount (` in million)
Overall Credit exposure
31.03.2013
31.03.2013
Total Gross Credit Exposures (after accounting offsets in 3,034,310.24 2,439,358.31 2,150,362.95 2,449,696.83
accordance with the applicable accounting regime and
without taking into account the effects of Credit Risk
Mitigation techniques, e.g. collateral and netting)
(Uz ` qsrl q)
Gh eZq
lk AkUi
31.03.2014
Sz mUcsl
31.03.2013
aU - lk AkUi
31.03.2014
31.03.2013
uSz mUcsl
192,720.89
152,171.09
128,463.90
69,155.28
FUND BASED
31.03.2014
Domestic operations
31.03.2013
NON-FUND BASED
31.03.2014
31.03.2013
Overseas operations
192,720.89
213
152,171.09
128,463.90
69,155.28
1.3
1.4
1.5
1.6
1.7
1.8
1.9
1.10
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
Ea
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
mOsrq, Mrs EimS AU mUqh Dkl
Uxrl AU Uxrl EimS
1.9.1 EuUM
1.9.2 Awk u TqxrOMsx
1.9.3 mO MqMsx
1.9.4 Alr
UoQ, msxOM u ElM EimS
zz AU zz M xql
xqO AU xqO EimS
qs ki AU ki EimS
1.13.1 sW AU Cxmi
1.13.2 Alr ki AU ki EimS
xp CelrUa
1.14.1 CsYOlM
1.14.2 oes
1.14.3 Alr
uWl, uWl M me AU riri M EmMUh
U AU Apwh
lqh
AkUpi xUcl
1.18.1 Fe
1.18.2 SUxcU
1.18.3 xQM
1.18.4 WuD A
1.18.5 ml
1.18.6 Usu (CQrl Usu M
Asu Alr)
1.18.7 Alr AkUpi xUcl
Alr Ea
Ea
(sb, qkrq AU oQ mql M Ms)
lk AkUi oMr
31.03.2014
31.03.2013
30,718.20
22,982.40
68,830.80
57,240.40
19,555.10
20,159.40
2,606.70
2,063.50
1,062.00
1,320.00
45,607.00
33,697.50
7,540.00
6,974.00
134,320.50
123,964.50
60,197.60
52,027.80
1,380.00
1,370.00
72,742.90
70,566.70
12,332.70
9,776.20
4,460.00
3,878.20
20,730.10
20,676.40
48,195.90
44,281.30
(` qsrl q)
Ll LT o oMr
31.03.2014
31.03.2013
1,520.00
4,706.30
4,520.00
3,500.00
560.00
520.00
1,400.00
370.00
710.00
650.00
1,850.00
1,960.00
250.00
220.00
13,850.00
14,920.00
3,150.00
2,640.00
240.00
100.00
10,460.00
12,180.00
320.00
690.00
1,440.00
1,120.00
4,640.00
470.00
28,250.00
21,190.00
42,298.80
40,635.60
7,759.40
5,303.00
2,675.30
17,408.40
3,719.60
18,495.50
13,370.00
1,706.80
18,357.30
2,892.20
16,613.30
4,706.50
16,423.60
13,302.70
1,186.70
9,527.80
3,070.00
2,030.00
349.40
2,310.00
1,810.00
30.00
610.00
690.00
1,940.90
282.10
2,390.00
1,430.00
30.00
1,222.10
187,575.30
122,509.90
65,065.40
71,680.50
11,876.10
18,550.00
41,254.40
32,448.20
11,180.00
48,672.50
645,301.30
438,329.90
73,731.70
70,380.00
18,270.00
10,920.00
183,881.90
119,747.50
64,134.40
64,481.00
10,275.50
16,296.70
37,908.80
32,199.30
29,644.20
45,626.40
504,618.70
312,696.60
80,040.80
60,741.30
15,071.80
7,156.10
39,270.00
31,230.00
8,040.00
52,623.40
6,440.00
17,923.40
28,260.00
6,950.00
10,890.00
44,130.00
38,910.00
32,210.00
3,910.00
680.00
0.00
110.00
37,312.90
28,162.90
9,150.00
52,820.00
10,050.00
19,460.00
23,310.00
5,666.90
11,980.00
41,170.00
39,820.00
34,690.00
3,120.00
1,570.00
0.00
50.00
11,730.00
1,670.00
0.00
21,939.70
198,651.10
28,922.10
216,675.20
330.00
8,340.00
390.00
7,167.30
1,598,370.00
1,431,552.90
266,112.80
250,738.50
214
1.3
1.4
1.5
1.6
1.7
1.8
1.9
1.10
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
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
1.9.2 Drugs & Pharmaceuticals
1.9.3 Petro Chemicals
1.9.4 Others
Rubber, Plastic & their Products
Glass and Glassware
Cement and Cement Products
Basic Metal and Metal Products
1.13.1 Iron and Steel
1.13.2 Other Metal and Metal Products
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 Airport
1.18.5 Ports
1.18.6 Railways (other than
Indian Railways)
1.18.7 Other Infrastructure
Other Industries
INDUSTRY (Total of Small, Medium and
Large Scale)
Amount (` in million)
NFB OUTSTANDING
31.03.2014
31.03.2013
1,520.00
4,706.30
4,520.00
3,500.00
560.00
520.00
1,400.00
370.00
710.00
650.00
1,850.00
1,960.00
250.00
220.00
13,850.00
14,920.00
3,150.00
2,640.00
240.00
100.00
10,460.00
12,180.00
320.00
690.00
1,440.00
1,120.00
4,640.00
470.00
28,250.00
21,190.00
42,298.80
40,635.60
7,759.40
5,303.00
2,675.30
17,408.40
3,719.60
18,495.50
13,370.00
1,706.80
18,357.30
2,892.20
16,613.30
4,706.50
16,423.60
13,302.70
1,186.70
9,527.80
3,070.00
2,030.00
349.40
2,310.00
1,810.00
30.00
610.00
690.00
1,940.90
282.10
2,390.00
1,430.00
30.00
1,222.10
187,575.30
122,509.90
65,065.40
71,680.50
11,876.10
18,550.00
41,254.40
183,881.90
119,747.50
64,134.40
64,481.00
10,275.50
16,296.70
37,908.80
39,270.00
31,230.00
8,040.00
52,623.40
6,440.00
17,923.40
28,260.00
37,312.90
28,162.90
9,150.00
52,820.00
10,050.00
19,460.00
23,310.00
32,448.20
32,199.30
6,950.00
5,666.90
11,180.00
48,672.50
645,301.30
438,329.90
73,731.70
70,380.00
18,270.00
10,920.00
29,644.20
45,626.40
504,618.70
312,696.60
80,040.80
60,741.30
15,071.80
7,156.10
10,890.00
44,130.00
38,910.00
32,210.00
3,910.00
680.00
0.00
110.00
11,980.00
41,170.00
39,820.00
34,690.00
3,120.00
1,570.00
0.00
50.00
11,730.00
1,670.00
0.00
21,939.70
198,651.10
28,922.10
216,675.20
330.00
8,340.00
390.00
7,167.30
1,598,370.00
1,431,552.90
266,112.80
250,738.50
215
Ms Gh eZq
(` qsrl q)
Ea
Fe
Ms xqa Gh
eZq M %
470,539.90
9.08%
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.
1
Total Exposure
(`. in Million)
Industry
Power
470,539.90
9.08%
Aaq
luz
uSz qS Axi
0 x 1 Sl
94,882.20
(54,083.30)
2,379.70
(3,069.40)
12,942.80
(8,427.30)
2 x 7 Sl
136,358.60
(66,891.30)
5,490.20
(8,738.80)
30,257.90
(16,437.70)
8 x 14 Sl
111,190.00
(72,038.90)
556.30
(5,284.10)
14,752.80
(12,089.80)
15 x 28 Sl
162,313.80
(90,219.50)
6,304.10
(20,722.90)
22,710.10
(23,049.10)
29 Sl x 3 qWl iM
207,013.00
(226,679.70)
24,068.20
(89,871.00)
75,515.40
(67,224.00)
214,633.70
(203,933.00)
13,400.20
(15,576.80)
60,541.20
(50,747.50)
6 qWl x AkM u 1 xs iM
401,353.20
(397,288.30)
22,276.50
(16,135.50)
85,664.50
(27,932.90)
1 xs x AkM u 3 xs iM
763,646.60
(654,157.30)
123,320.90
(76,726.10)
37,959.00
(13,809.90)
3 xs x AkM u 5 xs iM
279,747.30
(232,892.00)
300,922.90
(186,991.50)
14,758.90
(15,652.90)
5 xs x AkM
639,536.40
(423,582.80)
769,563.50
(788,212.20)
19,328.30
(18,122.90)
3,010,674.80
(2,421,766.20)
1,268,282.50
(1,211,328.30)
374,430.90
(253,494.00)
Ms
(MM q mNs xs M AMQ Sr ar W)
216
(Amount ` in million)
Advances
Investments
Foreign
Currency Assets
0 to 1 day
94,882.20
(54,083.30)
2,379.70
(3,069.40)
12,942.80
(8,427.30)
2 to 7 days
136,358.60
(66,891.30)
5,490.20
(8,738.80)
30,257.90
(16,437.70)
8 to 14 days
111,190.00
(72,038.90)
556.30
(5,284.10)
14,752.80
(12,089.80)
15 to 28 days
162,313.80
(90,219.50)
6,304.10
(20,722.90)
22,710.10
(23,049.10)
29 days to 3 months
207,013.00
(226,679.70)
24,068.20
(89,871.00)
75,515.40
(67,224.00)
214,633.70
(203,933.00)
13,400.20
(15,576.80)
60,541.20
(50,747.50)
401,353.20
(397,288.30)
22,276.50
(16,135.50)
85,664.50
(27,932.90)
763,646.60
(654,157.30)
123,320.90
(76,726.10)
37,959.00
(13,809.90)
279,747.30
(232,892.00)
300,922.90
(186,991.50)
14,758.90
(15,652.90)
Over 5 years
639,536.40
(423,582.80)
769,563.50
(788,212.20)
19,328.30
(18,122.90)
3,010,674.80
(2,421,766.20)
1,268,282.50
(1,211,328.30)
374,430.90
(253,494.00)
Total
(The figures in brackets relate to previous year)
217
(` qsrl q)
qS
31.03.2014
31.03.2013
xMs Ll m L
75,702.10
62,601.70
AuqlM
34,363.40
42,787.10
xSak 1
24,303.60
7,828.50
xSak 2
16,928.60
5,752.00
xSak 3
106.50
5,735.80
0.00
498.30
59,654.60
52,780.70
2.49
2.57
1.98
2.18
mUpM zw
62,601.60
40,317.50
xukl
84,436.20
58,193.00
Mq
71,335.70
35,908.90
Ci zw
75,702.10
62,601.60
9,329.60
5,985.60
304.60
86.70
22,380.30
18,609.90
15,912.50
15,352.60
493.60
0.00
15,608.40
9,329.60
Wl
Z)
lus Ll m L
a)
Ll m L Almi
b)
X)
Ll m L M EiU-cRu (xMs)
c)
2,848.10
2,257.60
N)
2,198.10
2,012.60
e)
6,299.00
550.10
257.70
0.00
0.00
1,041.60
4,379.60
Ci zw
1,636.50
2,177.10
mUpM zw
Auk M SUl Mr ar mukl
o Zi q Qsl
218
(` Amount in million)
Items
31.03.2014
31.03.2013
75,702.10
62,601.70
Sub-Standard
34,363.40
42,787.10
Doubtful 1
24,303.60
7,828.50
Doubtful 2
16,928.60
5,752.00
Doubtful 3
106.50
5,735.80
0.00
498.30
59,654.60
52,780.70
2.49
2.57
1.98
2.18
Opening balance
62,601.60
40,317.50
Additions
84,436.20
58,193.00
Reductions
71,335.70
35,908.90
Closing Balance
75,702.10
62,601.60
9,329.60
5,985.60
304.60
86.70
22,380.30
18,609.90
Write-off
15,912.50
15,352.60
493.60
0.00
15,608.40
9,329.60
2,848.10
2,257.60
2,198.10
2,012.60
2,128.00
6,299.00
550.10
257.70
0.00
0.00
1,041.60
4,379.60
Closing Balance
1,636.50
2,177.10
a) Gross NPAs
Loss
b) Net NPAs
c) NPA Ratios
219
ahiqM mMOMUh:
Qualitative Disclosures:
Sz xZ UOa Lexr:
xs sqOQ
CRISIL Limited
CMU sqOQ
ICRA Limited
xOQQ u mAU
qQe
Moodys,
Tc
FITCH
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 |
220
mUqhiqM mMOl:
mqZ eZq q oM LYxmeU M Uz - Ms Aaq (lkUi u AlkUi)- eZq mzqM (Aji xmM) M Mq MUl
M mi qlMMi SMh M Aiai:
qM
1
2
3
4
uuUh
100% x Mq eZq pU
100% eZq pU
100% x erS eZq pU
Mq Mr ar (eZq mzqM)
Ms
Uz (` qsrl q)
lk AkUi
aU-lk AkUi
31.03.2014
31.03.2013
31.03.2014
31.03.2013
3,130,336.20 2,626,145.40 1,791,548.20
2,528,147.00
933,841.70
713,810.10
674,130.30
644,600.40
544,486.80
373,358.60
253,408.20
202,863.10
375,654.30
310,179.90
125,497.70
43,416.20
4,233,010.40 3,403,134.20* 2,593,588.90 3,332,194.20*
*AMQ mlxqWi ML aL W|
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):
Amount (` in million)
Sl.
No.
1
2
3
4
Exposures
Below 100% Risk Weight
100% Risk Weight
More than 100% Risk Weight
Deducted (Risk Mitigants)
TOTAL
FUND BASED
NON-FUND BASED
31.03.2014
31.03.2013
31.03.2014
31.03.2013
3,130,336.20 2,626,145.40 1,791,548.20
2,528,147.00
933,841.70
713,810.10
674,130.30
644,600.40
544,486.80
373,358.60
253,408.20
202,863.10
375,654.30
310,179.90
125,497.70
43,416.20
4,233,010.40 3,403,134.20* 2,593,588.90 3,332,194.20*
*Figures Regrouped.
221
ahiqM m
mMOl:
Qualitative Disclosures:
cM Wl mU cMi M xi mU lrh ml |
222
223
mUqhiqM mMOl:
qM
1
uuUh
(` qsrl q)
Uz
31.03.2014 31.03.2013
Quantitative Disclosures:
(` in Millions)
AMOUNT
Sl.
PARTICULARS
No.
31.03.2014 31.03.2013
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
479,925.38 342,841.90
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
245,019.15 286,496.20
TABLE DF 7: SECURITIZATION
STANDARDIZED APPROACH:
mMOl mm isM
isM 7:: mipiMUhqlMMi SM
Mh:
Qualitative Disclosures:
The policy guidelines cover guidelines involving transfer
of assets through Securitization and direct assignment
of cash flows and are on without recourse basis.
ahiqM mMOl:
li SzlSz mipiMUh M qkrq x Axir M AiUh
ij lMS muW M mir xqlSzl M W muUi MUi W e
Ali AkU mU W |
qlMMi Axir M mipiMUh mU oM M SL aL SzlSz
q lqlai oi zqs W : Axir M mipiMUh x xoki mukl
lMS muW M mir xqlSzl M qkrq x qlMMi
Axir M AiUh x xoki zi |
oM M uiql liai SzlSz LM muiM (oM, Ll o LT x
/ LT AD) x xqWM lk M ZUS M Mr MUi W | muiM
oM / Ll o LT x / LT AD x lMS muW M mir xqlSzl
M qkrq x Axir M ZUS L ij Exx FmU qsrus x
W | oM M li q Mw, Lq Lx Lq D, ZSU u aU mjqMi
xupa x xoki AkUpi Axir M ZUSl M mukl W |
224
mUqhiqM mMOl:
(i) oMa oW:
(` qsrl q)
qM uuUh
31.03.2014
31.03.2013
18,742.60
0.00
Q.
oM U mipiMi Ms Uz M LYxmeU
D.
cs Auk M SUl oM U qlri mmi mipiMi lMxl M mMOl M sL pa ML aL LYxmeU M mMU (AilWi
mipi U orUuU QO MQ, Aux Gh,AO Gh CirS):
mMOl mMU
Aux Gh
LqLx Lq D Gh
Ms
(` qsrl q)
oMr mMOl rj
31.03.2014
31.03.2013
9,639.10
0.00
9,103.50
0.00
18,742.60
0.00
LT.
LM uw M piU mipiMi M el us xm M Uz
e.
Lc.
xuMi sp /bO
31.03.2014
31.03.2013
zlr
zlr
zlr
zlr
zlr
zlr
zlr
zlr
sa lW
sa lW
sa lW
sa lW
AD. lql M Ms Uz
islm mU oUMUU mipiMUh mMOl r eZq mMU M AkU mU ubOi WMU ZUS aL
(` qsrl q)
oMr LYxmeU rj
31.03.2014
31.03.2013
9,639.10
0.00
9,103.50
0.00
18,742.60
0.00
LYxmeU mMU
Aux Gh
Lq Lx Lq D Gh
Ms
e.
zlr
< 100%
eZq pU
-
100%
eZq pU
9,639.10
9,103.50
18,742.60
> 100%
eZq pU
me mpU 9%
M SU x
9,639.10
867.52
9,103.50
819.31
18,742.60
1,686.83
Ms LYxmeU
-
225
Quantitative Disclosures:
(i) Banking Book:
(` in Millions)
Sl
PARTICULARS
No
31.03.2014
31.03.2013
18,742.60
0.00
d.
e.
For exposures securitized losses recognized by the Bank during the current period broken by the exposure type
(e.g. Credit Cards, Housing Loans, Auto Loans etc. detailed by underlying security):
(` in Millions)
Exposure Type
Housing Loans
MSME loan
Total
Exposure Outstanding as on
31.03.2014
31.03.2013
9,639.10
0.00
9,103.50
0.00
18,742.60
0.00
Recognized gains/(losses)
31.03.2014
31.03.2013
Nil
Nil
Nil
Nil
Nil
Nil
f.
Nil
Nil
g.
NA
NA
h.
NA
NA
i.
Exposure Outstanding as on
31.03.2014
31.03.2013
9,639.10
0.00
9,103.50
0.00
18,742.60
0.00
Housing Loans
MSME loan
Total
j.
(i) Aggregate amount of Securitisation Exposures retained or purchased and the associated capital charges,
broken down between exposures and further broken down into different risk weight bands for each regulatory
capital approach as on 31.03.2014
(` in Millions)
Exposure Type
Housing Loans
MSME loan
Total
100% risk
> 100% risk
weights
weights
9,639.10
9,103.50
18,742.60
-
Total
Capital
exposure
Charge @ 9%
9,639.10
867.52
9,103.50
819.31
18,742.60
1,686.83
(ii) Exposures that have been deducted entirely from Tier 1 Capital, credit enhancing I/Os deducted from total
capital, and other exposures deducted from total capital (by exposure type) - Nil
226
(ii) oW OQa
(` qsrl q)
qM uuUh
M
Ls
lql M Ms Uz:
isl m mU oUMUU mipiMUh mMOl r eZq mMU M AkU mU ubOi
WMU ZUS aL: AU
31.03.2014
31.03.2013
11,075.50
57.60
11,075.50
57.60
zlr
zlr
11,075.50
57.60
Zq
pU
2
0.00
0.00
>100% eZq pU
3
11,075.50
57.60
Ms
11,075.50
57.60
4
Ll
lql M Ms Uz:
up eZq pU oQ q ubOi mipiMUh Rc M Akl mipiMUh mMOl M sL AuzrM me
qM
1
2
3
4
rj 31.03.2014 M
me M AuzrMi
0.00
0.00
1,495.10
1,495.10
eZq pU oQ
<100% eZq pU
100% eZq pU
>100% eZq pU
Ms
227
(` qsrl q)
rj 31.03.2013 M
me M AuzrMi
0.00
0.00
7.80
7.80
zlr
zlr
31.03.2014
31.03.2013
11,075.50
57.60
11,075.50
57.60
NIL
NIL
11,075.50
57.60
Securitization Exposures subject to the securitisation framework for Specific Risk broken down into different
risk weight bands.
(` in Millions)
Sl No.
1
2
3
4
(n)
Exposure as on
Exposure as
31.03.2014
on 31.03.2013
0.00
0.00
0.00
0.00
11,075.50
57.60
11,075.50
57.60
Capital
Capital Requirement
Requirement as
as on 31.03.2014
on 31.03.2013
0.00
0.00
0.00
0.00
1,495.10
7.80
1,495.10
7.80
Securitisation Exposures that are deducted entirely from Tier 1 capital, credit
enhancing I/Os deducted from total capital, and other exposures deducted
from total capital (by exposure type).
228
Nil
Nil
ahiqM mMOMUh:
Qualitative Disclosures:
risk
Risk
are
and
Cx mr M Ezr W M:
oeU eZq aiukr x lmOl M sL LM mLYOu
oeU eZq mokl M MUmUO xxMi xjmi MUl |
oeU eZq x xo xp xoki ukr mukl Lu
ulrqM AmA M Almsl xli MUl |
oeU eZq M mWcll, qml, ExM mokl MUl,
ExM SZUZ MUl, lrh ij xq MUl xok lir
Lu Mrukr q ahu M lUiU m x lrqi uMx
MUl |
up mMU M oeU eZq MUM M sL Gh xq M
Rc AU xoki xciM xjmi MUl |
qeoi UmOa Rc xjmi MUi WL mpu xu i
irU MUl |
oeU eZq Emr M xui AU lrqi qsrMl M
mr Amll |
lSzM qQs
Board of Directors
229
eZq Um
UmOa ij / Aju ClM qml mi M xpulL
Lu mMi :
Department,
Risk
ocu uru
uruxj
xj (Wea) ij / Aju iixok eZq Mq MUl
M lir AU ocu uruxjmM / mzqM M mpu olL
UZl xok xu M Uhli Lu mrL: oQ U AlqSi
up lir M, ex oeU eZq mokl li (Szr eZq
mokl li, MFOU mO oM eZq mokl li xWi), luz
li, uSz qS sl-Sl u urmU mUcsl li, iUsi eZq
mokl li ij Axi Sri mokl li, oeU eZq mokl
M sL xjmi Mr ar W | oeU eZq mokl li, eZq
lkUh, ClM mWcl ij Emr u UMjq, eZq Gh xqL
Lu MUM, eZq xu Lu UmOa M sL LM AkUpi
Rc irU MUi W|
230
mUqhiqM mMOMUh:
Quantitative Disclosures:
qM
uuUh
(M)
ore SU eZq
(Z)
(a)
(` qsrl q)
me AuzrMi M Uz
Sl.
No.
31.03.2014 31.03.2013
13,090.56
Particulars
14,625.80
(a) Interest Rate Risk
5,156.27
4,361.50
592.47
386.10
(` in Millions)
Amount of capital
requirement
31.03.2014 31.03.2013
13,090.56
14,625.80
5,156.27
4,361.50
592.47
386.10
ahiqM mMOMUh:
Uhlir AU mrL
rL: oM M mUcsliqM eZq mokl
mr M mN LM qeoi xaPliqM xxMi AU xSR
mUcsliqM Mrukr W elq MmUO qsr, SMh,
xqir, AiUM lrh mhs, mpu AiUM UmOa AU
AMxqMi Arel zqs W| oM q mUcsliqM eZq M
mpu mokl M sr lir lkUi W|
lSzM qQs
Board of Directors
231
M Mq
Mq MUl M lir
232
mUqhiqM mMOMUh:
Quantitative Disclosure:
ahiqM mMOMUh:
Organizational Framework
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
interest rate view of the bank and bases 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.
xaPliqM Rc
lSzM qQs / eZq mokl xqi U lkUi eZq
xWwhi M AlxU ore SU eZq mokl Uhli M uMx
u Mrlurl, xqA, up urmU ij Mll CMCr M mi
up qSA q ore SU eZq M mokl MUl oM M Axi
Sri mokl xqi (LLsxA) M Miur W | LLsxA oM M
ore SU SMh M xxm MUi W ij pu urmU Uhlir
M lhr M sL lu Qsi W | lkrl li M AlxU Axir
M xel M sL xi mU ucU MUM SlSUr M qh MUl
CxM Sriu W | LLsxA lSzM qQs U ore SU eZq
M sL lkUi up xqA M laUl MUi W ij xqA
q Mx mMU M Essbl M xSp q xkUiqM MSq EPi W |
Uhlir AU mrr
oM Aml xmr ij SlSUr M qsr M Eci mUmYui
M xj qsl MUl M mrx MUi W iM mUmYu W UW
r mlqsrMi up xqr h M AiU M Mq Mr e
xM | ore SU eZq M qml ij mokl M sL oM Aml
uM Axir, SriA ij isl m CiU qS mU, e SU
xuSlzs W, Sl mUmUai AiU uzswh(OeL) AU Auk
AiU uzswh(QeL) M Aml UW W |
233
1..
234
mUqhiqM mMOMUh:
Quantitative Disclosures:
Gh eZq mU Ar-Ael
lql xUh rj 31.03.2014 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 |
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
31.03.2014.
(` qsrl q)
1 uw iM ore SU q mUuil
+100 AkU oSL
-100 AkU oSL
(3104.9)
3104.9
(388.9)
388.9
103.7
(103.7)
3597.5
(3597.5)
(` in Millions)
Change in interest rate up to 1 Year
-100 bps
+100 bps
(3104.9)
3104.9
(388.9)
388.9
103.7
(103.7)
(3597.5)
3597.5
qSL
AD Ll AU
r Lx QsU
Alr
Ms
Currencies
INR
USD
Others
Total
235
-200 bps
+200 bps
7.16%
(7.16%)
Yr lMr
M xqMl
M sZMl
Mr M iWi
zqs Mr
ar W
(W/lW)
xqMl M mr
M uuUh
Yr lMr
xqMl M mr
M xqMl M
M uuUh
ulrqM Mr
M iWi zqs
Mr ar W
xqMl M
mr q AiU
M MUh M
uuUh
rS xqMl
Mx M
iWi Mr
ar W i
ExM
uuUh S
MloM
Tllzrs
xuxx s.
(pUi)
xqMi ur
uuUh mU
sZMl qlM 21 M
AlxU
xqMi ur
uuUh mU
sZMl
qlM - 21 M
AlxU
sa lW
sa lW
MloM ucU
MmOs TQ
s. (pUi)
xqMi ur
uuUh mU
sZMl qlM 21 M
AlxU
xqMi ur
uuUh mU
sZMl
qlM - 21 M
sa lW
sa lW
MloM TYOx
sqOQ
(pUi)
xqMi ur
uuUh mU
sZMl qlM 21 M AlxU
xqMi ur
uuUh mU
sZMl
qlM - 21 M
AlxU
sa lW
sa lW
MlU Uo
Axi mokl
Mml s.
(pUi)
xqMi ur
uuUh mU
sZMl qlM 21 M AlxU
xqMi ur
uuUh mU
sZMl qlM
- 21 M AlxU
sa lW
sa lW
MlU oM
MmrOU
xuxx s.
(pUi)
xqMi ur
uuUh mU
sZMl qlM 21 M AlxU
lW
sa lW
sa lW
236
aU-ur
Alwa| xqW
M xqMi
ulrqM
me x
lMs aD
Whether
the entity
is included
under
accounting
scope of
consolidation
(Yes/No)
Explain the
method of
consolidation
Whether
the entity is
included under
regulatory scope
of consolidation
(Yes/No)
Explain the
method of
consolidation
Explain the
reasons for
difference in
method of
consolidation
Explain the
reasons if
consolidated
under only
one of the
scopes of
consolidation
Canbank
Financial
Services Ltd.
(India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
Yes
As per
Accounting
Standard 21
on Consolidated
Financial
Statements
N.A
N.A
Canbank
Venture
Capital Fund
Ltd. (India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
Yes
As per
Accounting
Standard 21
on Consolidated
Financial
Statements
N.A
N.A
Canbank
Factors Ltd.
(India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
Yes
As per
Accounting
Standard 21
on Consolidated
Financial
Statements
N.A
N.A
Canara
Robeco Asset
Management
Company Ltd.
(India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
Yes
As per
Accounting
Standard 21
on Consolidated
Financial
Statements
N.A
N.A
Canbank
Computer
Services Ltd.
(India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
No
N.A
N.A
Non Financial
Subsidiary.
Deducted
from
Consolidated
Regulatory
Capital of the
group.
237
lMr M lq/
(laqi M
Sz)
Yr lMr
M xqMl
M sZMl
xqMl M mr
M uuUh
Mr M iWi
zqs Mr
Yr lMr
xqMl M mr
M xqMl M
M uuUh
ulrqM Mr
M iWi zqs
Mr ar W
xqMl M
mr q AiU
M MUh M
rS xqMl
Mx M
iWi Mr
uuUh
ar W i
ExM
ar W
(W/lW)
uuUh S
MlU oM
xYrUOe s.
(pUi)
xqMi ur
uuUh mU
sZMl
qlM - 21 M
AlxU
xqMi ur
uuUh mU
sZMl qlM
- 21 M AlxU
sa lW
sa lW
MlU Lc Lx
o x A o
x eul oq
Mml s.
(pUi)
xqMi ur
uuUh mU
sZMl qlM 21 M AlxU
lW
sa lW
sa lW
oq Alwa|
xqW M
xqMi
ulrqM me
x lMs aD
Mqzrs CQ
oM LsLsx,
qxM (x)
xr Eq q Wi
M ur UmOa
mU sZMl qlM
- 27 M AlxU
lW
xr Eq q
Wi M ur
UmOa mU
sZMl qlM
- 27 M AlxU
sa lW
sa lW
MlTl Wqx
s. (pUi)
xqMi ur
uuUh q xo
q luz M sL
sZMl mU
sZMl qlM 23 M AlxU
lW
sa lW
sa lW
MlTl Wqx
s. q oM M
luz me
mrmii Ezr
M sL eZq
pUi W
mai aqh
oM (pUi)
xqMi ur
uuUh q
xo q
luz M sL
sZMl mU
sZMl
qlM - 23 M
AlxU
lW
sa lW
sa lW
mai Mwh
aqh oM q
oM M luz
me mrmii
Ezr M sL
eZq
pUi W
238
Name of
the entity /
(Country of
Incorporation)
Whether
the entity
is included
under
accounting
scope of
consolidation
(Yes/No)
Explain the
method of
consolidation
Whether
the entity is
included under
regulatory scope
of consolidation
(Yes/No)
Explain the
method of
consolidation
Explain the
reasons for
difference in
method of
consolidation
Explain the
reasons if
consolidated
under only
one of the
scopes of
consolidation
Canara Bank
Securities Ltd.
(India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
Yes
As per
Accounting
Standard 21
on Consolidated
Financial
Statements
N.A
N.A
Canara HSBC
Oriental Bank
of Commerce
Life Insurance
Company Ltd.
(India)
Yes
As per Accounting
Standard 21
on Consolidated
Financial
Statements
No
N.A
N.A
Insurance
Subsidiary.
Deducted
from
Consolidated
Regulatory
Capital of the
group.
Commercial
Indo Bank
LLC., Moscow
(Russia)
Yes
As per Accounting
Standard -27
on Financial
Reporting of
Interest in Joint
Venture
No
As per
Accounting
Standard -27
on Financial
Reporting of
Interest in Joint
Venture
N.A
N.A
Canfin Homes
Ltd. (India)
Yes
As per Accounting
Standard -23
on Accounting
for Investment
in Associates in
Consolidated
Financial
Statements
No
N.A
N.A
Banks
investment in
Canfin Homes
Ltd, has been
Risk weighted
for capital
adequacy
purposes
Pragathi
Krishna
Gramin Bank
(India )
Yes
As per Accounting
Standard -23
on Accounting
for Investment
in Associates in
Consolidated
Financial
Statements
No
N.A
N.A
Banks
investment
in Pragathi
Krishna
Gramin Bank,
has been Risk
weighted
for capital
adequacy
purposes
239
lMr M lq/
(laqi M
Sz)
Yr lMr
M xqMl
M sZMl
xqMl M mr
M uuUh
Yr lMr
xqMl M mr
M xqMl M
M uuUh
ulrqM Mr
Mr M iWi
zqs Mr
M iWi zqs
Mr ar W
xqMl M
mr q AiU
M MUh M
rS xqMl
Mx M
iWi Mr
uuUh
ar W i
ExM
ar W
(W/lW)
MUs aqh
oM (pUi)
uuUh S
xqMi ur
lW
sa lW
sa lW
MUs aqh
uuUh q xo
oM q oM
q luz M sL
M luz me
sZMl mU
mrmii
sZMl qlM -
Ezr M
23 M AlxU
sL eZq
pUi W
Name of
the entity /
(Country of
Incorporation)
Whether
the entity
is included
under
accounting
scope of
consolidation
(Yes/No)
Explain the
method of
consolidation
Whether
the entity is
included under
regulatory scope
of consolidation
(Yes/No)
Explain the
method of
consolidation
Explain the
reasons for
difference in
method of
consolidation
Explain the
reasons if
consolidated
under only
one of the
scopes of
consolidation
Kerala Gramin
Bank (India)
Yes
As per Accounting
Standard -23
on Accounting
for Investment
in Associates in
Consolidated
Financial
Statements
No
N.A
N.A
Banks
investment in
Kerala Gramin
Bank, has been
Risk weighted
for capital
adequacy
purposes
Z. El xqW lMr M
M xc elW xqMl M sL sZMl AU
xqMl M ulrqM Mr Sl q lW UZ W |
240
lMr M qZr
aiuk
31 qc 2014 iM Ms
isl m CYuO
(` qsrl q)
31 qc 2014 iM Ms
isl m Axir
(` qsrl q)
2.50
305.43
TYOUa M MUoU q sa W
200.00
7,245.18
MloM qrcAs TQ M
mokM
498.54
1,076.02
MlU oM xYrUOe s.
(pUi)
400.00
1,195.73
300.00
486.86
Mqzrs CQ oM LsLsx,
qxM (x)
2,196.90
(36.67 Mn USD)
oMa
6,103.00
(101.86 Mn USD)
241
305.43
200.00
7,245.18
498.54
1,076.02
400.00
1,195.73
300.00
486.86
2,196.90
(36.67 Mn USD)
6,103.00
(101.86 Mn USD)
b. xqMl M ulrq
ulrqM
M Mr q zqs lW M aD Alwar
q me M Mq M Ms Uz rl elW MO ar W
rj qc 31, 2014 iM oM M Alwar q MD me Mq
lMr M qZr
aiuk
Ms isl m CYuO
Uz (uk lMr M
sZMl isl m
q SL AlxU)
(` qsrl q)
lMr M
eZq pUi
lq/ ((laqi
laqi mi olq mh MOi
Sz)
mi M Cxiqs
MUl x ulrq me
mU mQl us
mUqh
mUq
hiqM
iqM mpu
MlU Lc Lx o x
A o x
eul oq Mml s.
oq MUoU
9,500
51%
xAULAU mU 11 omLx
xMUiqM mpu
(CQr)
e. The aggregate amounts (e.g. current book value) of the Banks total interests in insurance entities, which are
risk-weighted:
Name of the insurance
entities/ Country of
Incorporation
Principle activity
of the entity
% of banks
holding in
the total
equity /
proportion
of voting
power
9,500
51%
Insurance
Business
242
Quantitative impact
on regulatory capital
of using risk weighting
method versus using
the full deduction
method
f.
mMOl mm isM-2:
isM-2: me mrmii
oM M uiql me AuzrMi
243
(c)
mipiMUh mMOl
1,686.83
ore SU eZq
CYuO eZq
13,424.02
592.47
5,817.54
15,572.82
(f)
244,287.42
(e)
31.03.2014
Gh eZq M sL me AuzrMi
(d)
Uz
qS
xqW
-
xDO 1 me
234,219.52
OrU 1 me
243,420.89
OrU 2 me
92,679.80
Ms me
336,100.69
xDO 1 me
231,320.75
OrU 1 me
239,909.28
OrU 2 me
92,046.26
Ms me
331,955.54
xqW xAULAU
-
xDO 1 Almi
7.49%
OrU 1 Almi
7.79%
OrU 2 Almi
2.96%
x AU L AU
10.75%
xDO 1 Almi
7.41%
OrU 1 Almi
7.68%
OrU 2 Almi
2.95%
x AU L AU
10.63%
244
(c)
Securitization Exposures
1,686.83
Equity Risk
13,424.02
592.47
5,817.54
15,572.82
(f)
244,287.42
(e)
31.03.2014
(d)
Amount
Items
Group
-
CET 1 Capital
234,219.52
Tier 1 Capital
243,420.89
Tier 2 Capital
92,679.80
Total Capital
336,100.69
CET 1 Capital
231,320.75
Tier 1 Capital
239,909.28
Tier 2 Capital
92,046.26
Total Capital
331,955.54
Group CRAR
-
CET 1 Ratio
7.49%
Tier 1 Ratio
7.79%
Tier 2 Ratio
2.96%
CRAR
10.75%
CET 1 Ratio
7.41%
Tier 1 Ratio
7.68%
Tier 2 Ratio
2.95%
CRAR
10.63%
245
mMOl mm isM-3:
isM- : Gh eZq:
xqlr mMOl
Uhli u mrL:
xZ eZq molkl M EmU Ezr M Mrlui MUl
M q q oM xZ eZq mWcl, qml, aQa u xqMl
iMlM, laUl u UmOa, eZq lrh / zql iMlM
AU xqxrqsM Gh / xZ M molkl Wi oM up mir
lkUi MUi W | oM l sr oeU, eZq xuMr qlSQ,
xZ qeU mkMUh u xZ urim / AlUh mr mU
SzlSz M p mUpwi Mr W |
246
lSzM qQs
Board of Directors
Department,
Risk
qQs uMx Ss
247
248
249
lrh
laUl
M e
M e
eU M
M iWi
Monitoring tools like Credit Monitoring Format (webbased), Quarterly Information Systems, Half Yearly
Operation Systems, Stock Audits, Special Watch List
Accounts, etc.
250
uuUh
Amount (` in Million)
31.03.2014
Particulars
31.03.2014
lk AkUi mMOl
3,041,440.89
3,041,440.89
2,150,362.94
2,150,362.94
Ms xMs Gh mMOl
5,191,803.83
5,191,803.83
mMOl
lk AkUi
mMOl
31.03.2014
bUs mUcsl
xqSmUr mUcsl
Ms
Uz (` qsrl q)
c.
aU-lk AkUi
mMOl
Fund Based
Exposures
Exposures
31.03.2014
31.03.2014
Non-fund Based
Exposures
31.03.2014
2,848,720.00
2,021,899.04
Domestic operations
2,848,720.00
2,021,899.04
192,720.89
128,463.90
Overseas operations
192,720.89
128,463.90
3,041,440.89
2,150,362.94
3,041,440.89
2,150,362.94
Total
251
Ea
lk AkUi oMr
31.03.2014
31.03.2014
1.1
Zll AU EiZll
30,718.20
1,520.00
1.2
Z xxkl
68,830.80
4,520.00
19,555.10
560.00
1.2.2 Z is u ulxmi
2,606.70
1,400.00
1.2.3 cr
1,062.00
710.00
1.2.4 Alr
45,607.00
1,850.00
1.3
mr mSj u ioM
7,540.00
250.00
1.4
MmQ
134,320.50
13,850.00
60,197.60
3,150.00
1,380.00
240.00
72,742.90
10,460.00
12,332.70
320.00
1.2.1 cl
1.4.1 xi MmQ
1.4.2 mOxl M MmQ
1.5
1.6
4,460.00
1,440.00
1.7
20,730.10
4,640.00
1.8
48,195.90
28,250.00
1.9
42,298.80
7,759.40
2,675.30
3,070.00
17,408.40
2,030.00
3,719.60
349.40
18,495.50
2,310.00
13,370.00
1,810.00
1,706.80
30.00
1.9.1 ZS
1.9.2 Awk AU TqxrOMsx
1.9.3 mO MqMs
1.9.4 Alr
1.10
1.11
Mc AU Mc M ol xql
1.12
18,357.30
610.00
1.13
qs ki AU ki EimS
187,575.30
39,270.00
1.13.1 sW AU Cxmi
122,509.90
31,230.00
65,065.40
8,040.00
71,680.50
52,623.40
1.14.1 CsYOlYx
11,876.10
6,440.00
1.14.2 ui
18,550.00
17,923.40
1.14.3 Alr
41,254.40
28,260.00
xp AprM
252
INDUSTRY
Fund Based
Outstanding
31.03.2014
31.03.2014
1.1
30,718.20
1,520.00
1.2
Food Processing
68,830.80
4,520.00
1.2.1 Sugar
19,555.10
560.00
2,606.70
1,400.00
1.2.3 Tea
1,062.00
710.00
45,607.00
1,850.00
7,540.00
250.00
134,320.50
13,850.00
60,197.60
3,150.00
1,380.00
240.00
72,742.90
10,460.00
1.2.4 Others
1.3
1.4
Textiles
1.4.1 Cotton Textiles
1.4.2 Jute Textiles
1.4.3 Other Textiles
1.5
12,332.70
320.00
1.6
4,460.00
1,440.00
1.7
20,730.10
4,640.00
1.8
48,195.90
28,250.00
1.9
42,298.80
7,759.40
2,675.30
3,070.00
17,408.40
2,030.00
3,719.60
349.40
18,495.50
2,310.00
13,370.00
1,810.00
1,706.80
30.00
18,357.30
610.00
187,575.30
39,270.00
122,509.90
31,230.00
65,065.40
8,040.00
71,680.50
52,623.40
1.14.1 Electronics
11,876.10
6,440.00
1.14.2 Electricity
18,550.00
17,923.40
1.14.3 Others
41,254.40
28,260.00
1.9.1 Fertilizer
1.9.2 Drugs & Pharmaceuticals
1.9.3 Petro Chemicals
1.9.4 Others
1.10
1.11
1.12
1.13
1.14
All Engineering
253
1.15
32,448.20
6,950.00
1.16
U AU Apwh
11,180.00
10,890.00
1.17
lqh
48,672.50
44,130.00
1.18
AkUpi xUcl
645,301.30
38,910.00
1.18.1 oes
438,329.90
32,210.00
1.18.2 OsMqrlMzlx
73,731.70
3,910.00
1.18.3 xQM
70,380.00
680.00
1.18.4 WuD A
18,270.00
0.00
1.18.5 oSUaW
10,920.00
110.00
11,730.00
1,670.00
Alr Ea
Ea (sb, qkrq AU oQ xiU M Ms)
21,939.70
330.00
198,651.10
8,340.00
1,598,370.00
266,112.80
1.15
32,448.20
6,950.00
1.16
11,180.00
10,890.00
1.17
Construction
48,672.50
44,130.00
1.18
Infrastructure
645,301.30
38,910.00
438,329.90
32,210.00
1.18.2 Telecommunications
73,731.70
3,910.00
1.18.3 Roads
70,380.00
680.00
1.18.4 Airports
18,270.00
0.00
1.18.5 Ports
10,920.00
110.00
11,730.00
1,670.00
21,939.70
330.00
198,651.10
8,340.00
1,598,370.00
266,112.80
1.18.1 Power
1.19
Other Industries
INDUSTRY (Total of Small, Medium and Large Scale)
Ms mMOl
(` qsrl q)
Ea
oes
470,539.90
Ms xMs Gh
mMOl M %
9.06%
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
1
Total Exposure
Industry
(` in Million)
Power
470,539.90
254
luz
uSz qS Axir
31.03.2014
31.03.2014
31.03.2014
mUmYui xum
0 x 1 Sl
94,988.30
3,346.60
12,942.80
2 x 7 Sl
136,358.60
5,490.20
30,257.90
8 x 14 Sl
111,190.00
556.30
14,752.80
15 x 28 Sl
162,313.80
6,316.20
22,710.10
29 Sl x 3 qW
212,435.70
24,068.20
75,515.40
3 qW x AkM AU 6 qW iM
214,939.00
13,400.20
60,541.20
6 qW x AkM AU 1 uw iM
401,353.20
22,276.50
85,664.50
1 uw x AkM AU 3 uw iM
763,722.70
123,566.80
37,959.00
3 uw x AkM AU 5 uw iM
279,747.30
300,923.90
14,758.90
5 uw x AkM
639,536.40
736,995.30
19,328.30
0.00
32,802.00
0.00
3,016,585.00
1,269,742.20
374,430.90
ol mUmYui M
Ms
(e) Residual Contractual Maturity Breakdown of Assets:
Amount (` in Million)
Maturity Pattern
Advances
Investments
Foreign Currency
Assets
31.03.2014
31.03.2014
31.03.2014
0 to 1 day
94,988.30
3,346.60
12,942.80
2 to 7 days
136,358.60
5,490.20
30,257.90
8 to 14 days
111,190.00
556.30
14,752.80
15 to 28 days
162,313.80
6,316.20
22,710.10
29 days to 3 months
212,435.70
24,068.20
75,515.40
214,939.00
13,400.20
60,541.20
401,353.20
22,276.50
85,664.50
763,722.70
123,566.80
37,959.00
279,747.30
300,923.90
14,758.90
Over 5 years
639,536.40
736,995.30
19,328.30
0.00
32,802.00
0.00
3,016,585.00
1,269,742.20
374,430.90
Without Maturity
Total
255
a)
b)
qS
31.03.2014
77,107.70
Au - qlM
34,802.40
xSak 1
24,692.30
xSak 2
16,997.20
xSak 3
204.90
Wl
410.80
60,408.30
2.53
2.01
d)
AUpM zw
63,664.30
mUukl
84,881.20
MOi
71,437.80
Aiq zw
77,107.70
9,930.10
qS M EiU-cRu u Alr
e)
304.60
22,557.00
o Zi Qsl
15,931.70
493.60
Aiq zw
16,366.40
f)
AleM luz M Uz
2,981.60
g)
2,331.60
2,269.50
550.10
o Zi Qsl
8.00
1,041.60
Aiq zw
1,770.00
256
Items
31.03.2014
Gross NPAs
a)
b)
77,107.70
Sub-Standard
34,802.40
Doubtful 1
24,692.30
Doubtful 2
16,997.20
Doubtful 3
204.90
Loss
410.80
Net NPAs
60,408.30
NPA Ratios
c)
2.53
2.01
d)
Opening balance
63,664.30
Additions
84,881.20
Reductions
71,437.80
Closing Balance
77,107.70
9,930.10
304.60
22,557.00
Write-off
15,931.70
493.60
Closing Balance
16,366.40
f)
2,981.60
g)
2,331.60
2,269.50
550.10
Write-off
8.00
1,041.60
Closing Balance
1,770.00
257
(L) qlMMi SM
Mh M iWi mOTsA M sL:
oM l qlMMi SMh M Aiai me mpU M
ApMsl Wi LYxmeU M UOa u eZq pUi mSl
MUl M Ezr x lqlsZi QO UOa Lex M mWcl
M W |
STANDARDIZED
UNDER THE
258
Uz (` qsrl q)
Amount (` in Million)
qM
uuUh
lk AkUi
aU-lk
AkUi
31.03.2014
31.03.2014
3,132,813.35
1,791,548.19
Below 100%
Risk Weight
FUND BASED
NON-FUND
BASED
31.03.2014
31.03.2014
3,132,813.35
1,791,548.19
100% Risk
Weight
930,531.48
674,130.28
545,052.15
253,408.15
375,654.29
125,497.74
4,232,742.69
2,593,588.88
Sl
No
Particulars
100% eZq
pU x Mq
100%
eZq pU
930,531.48
674,130.28
100% eZq pU
x AkM
545,052.15
253,408.15
bOL aL (eZq
Mq MUl)
375,654.29
125,497.74
Deducted (Risk
Mitigants)
Ms
4,232,742.69
2,593,588.88
TOTAL
259
isM Q LT-5:
LT- : xZ eZq
lrlMUh - qlMMi SMh M sL
mMOl
260
up
261
Uz (` qsrl q)
qM
uuUh
31.03.2014
(o) WU LM Asa x mMOl Mr ar xZ
eZq mOTsr Wi WrUMO M
AuSl M mi m ur xmM
479,925.38
U MuU Mr el us Ms LYxmeU (mi, eW sa W, Bl- r
BT osz zO lOa) |
(x) WU LM Asa x mMOl Mr ar
mOTsr Wi aUO / xZ urimS (eo p pUo U uz m x
Alqi Mr ar W) U MuU Mr 245,019.15
el us Ms LYxmeU (mi, eW
sa W, Bl- r BT osz zO
lOa) |
TABLE DF 6: SECURITIZATION
EXPOSURES: DISCLOSURE FOR
STANDARDIZED APPROACH
isM QLT-6:
LT- : mipiMUh
LYxmeU: qlMMi SMh Wi mMOl
(i) ahiqM mMO
Ol
li SzlSz, mipiMUh u lMS muW M mir xqlSzl
AU ol xxkl AkU M qkrq x Axir M AiUh M
xqWi Mr WL SzlSz M MuU MUi W|
262
uuUh
31.03.2014
(d)
(e)
uiql Auk M SUl oM U mWcl M aD mipiMi Asa Asa LYxmeU uU (ex QO MQ, Aux Gh, BO
Gh CirS mipi uuUh xWi) Wl
18,742.60
rj Sr LYxmeU
31.03.2014
mWcl ML aL
sp
31.03.2014
Aux Gh
9,639.10
zlr
Lq Lx Lq D Gh
9,103.50
zlr
18,742.60
zlr
LYxmeU M mMU
Ms
(f)
zlr
(g)
sa lW
(h)
sa lW
(i)
M Ms UMq
Asa Asa LYxmeU M sL UZ aL r r ML aL Bl osz zO mipiMi LYxmeU
rj Sr LYxmeU
31.03.2014
LYxmeU M mMU
Aux Gh
9,639.10
Lq Lx Lq D Gh
9,103.50
Ms
18,742.60
zlr
(i) ZUS aL r UZ aL mpiMUh M xMs Uz u Asa Asa LYxmeU M sL xqqsi me mpU ij rj 31.03.2014
M mirM ulrq me M Asa Asa eZq kUi
LYxmeU M mMU
< 100%
eZq kUi
100%
eZq kUi
> 100%
eZq kUi
Ms LYxmeU
me mpU
@ 9%
Aux Gh
9,639.10
9,639.10
867.52
Lq Lx Lq D Gh
9,103.50
9,103.50
819.31
Ms
18,742.60
18,742.60
1,686.83
(ii) LYxmeU e mU iUW OrU | me x bOL aL, Gh xukl, Ms me x bOL aL Alr LYxmeU
263
Nil
PARTICULARS
31.03.2014
18,742.60
(e) For exposures securitized losses recognized by the Bank during the current period broken by the exposure type
(e.g. Credit Cards, Housing Loans, Auto Loans etc. detailed by underlying security):
Exposure
Recognized
Outstanding as on gains/ (losses)
31.03.2014
31.03.2014
Exposure Type
Housing Loans
9,639.10
Nil
MSME Loans
9,103.50
Nil
18,742.60
Nil
Total
(f) Amount of assets intended to be securitized within a year
Nil
NA
(h) The total amount of exposures securitized (by exposure type) and
unrecognized gain or losses on sale by exposure type
NA
(i)
Exposure Type
Housing Loans
9,639.10
MSME Loans
9,103.50
Total
18,742.60
Nil
(j) (i) Aggregate amount of Securitisation Exposures retained or purchased and the associated capital charges,
broken down between exposures and further broken down into different risk weight bands for each regulatory
capital approach as on 31.03.2014
Exposure Type
100% risk
weights
Total
exposure
Capital
Charge @ 9%
Housing Loans
9,639.10
9,639.10
867.52
MSME Loans
9,103.50
9,103.50
819.31
Total
18,742.60
18,742.60
1,686.83
(ii) Exposures that have been deducted entirely from Tier 1 Capital, credit enhancing I/Os deducted from
total capital, and other exposures deducted from total capital (by exposure type).
264
Nil
(ii) urmUM oW
Uz (` qsrl q)
qM
uuUh
(k)
(l)
M xMs Uz:
31.03.2014
11,075.50
11,075.50
zlr
11,075.50
(n)
eZq kUi oQ
rj M LYxmeU
31.03.2014
0.00
0.00
11,075.50
Ms
11,075.50
M xMs Uz
mpiMi LYxmeU Wi me AuzrMi mipiMi xUcl M up Asa Asa eZq kUi oQ M Akl
qM
eZq kUi oQ
rj M LYxmeU
31.03.2014
0.00
0.00
1,495.10
Ms
1,495.10
265
zlr
PARTICULARS
31.03.2014
(k)
Aggregate amount of exposures Securitized by the Bank for which the Bank has retained
some exposures and which is subject to the Market Risk approach, by exposure type.
(l)
11,075.50
11,075.50
NIL
11,075.50
Securitization Exposures subject to the securitisation framework for Specific Risk broken down into different
risk weight bands.
Sl No
(n)
Exposure as on 31.03.2014
0.00
0.00
11,075.50
Total
11,075.50
Capital Requirement as on
31.03.2014
0.00
0.00
1,495.10
Total
1,495.10
Securitisation Exposures that are deducted entirely from Tier 1 capital, credit enhancing
I/Os deducted from total capital, and other exposures deducted from total capital (by
exposure type).
266
NIL
xUh QLT-7:
LT- : urmU oW q oeU
eZq
mr M Ezr W:
risk
Risk
are
and
lSzM qQs
oM M
267
LMMi qQ Mrsr
qQ Mrsr - LMMi Mw
Risk
Department,
268
(` qsrl q)
qM
uuUh
(` in Million)
me AuzrMi M Uz
uuUh
Sl
No
31.03.2014
(a)
or e SU eZq
(b)
5,817.54
(c)
592.47
Particulars
Amount of capital
requirement
31.03.2014
13,424.02
(a)
269
13,424.02
5,817.54
592.47
isM QLT-8:
LT- : mUcsl eZq
Uhlir u mMrL
MrL: oM M mUcsl eZq mokl mMr,
oM q mUcsl
lSzM qQs
Board of Directors
270
isM Q LT-9:
LT- : oMa mxiM q ore
SU eZq (ADAUAUoo)
xaPliqsM Rc
oM M Axi Sri mokl xqi (LLsxA), lSzM qQs
U/eZq mokl xqi U xjmi eZq xWl xiU M
AlxU ore SU eZq mokl Uhli uMxi MUl AU Ex
Mrlui MUl, xq M AUmU u MUoU q ij Mll
CMCr M rW up qSA q ore SU eZq M mokl
MUl M sL eqqSU W | LLsxA, oM M ore SU SMh
Organizational Framework
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
271
Uhlir u mrL
oM Aml Axir u SriA M Mqi M xqM oll M
xj-xj Emri xqmi mSl MUl M mrx MUi W exx
M mUmYuM Wl us r mlqsri Wlus up xqr-Auk
us Axi u SriA q AiU M Mq Mr e xM | ore SU
eZq M qml u mokl M sL oM Aml Axi u SriA
u isl m UWi qS M u M xji e M SU xuS W, M
mi Sl mUmUM AiU uzswh (OeL) AU Auk AiU uzs
wh (QeL) Amli W |
272
3.
EARNINGS AT RISK:
1 uw iM orWe SU q mUuil
31.03.2014
-100 bps
ADLlAU
Currencies
+100 bps
+100 bps
(3,104.90)
3,104.90
INR
(3,104.90)
3,104.90
rLxQ
(388.90)
388.90
USD
(388.90)
388.90
AlrQ
(103.70)
103.70
Others
(103.70)
103.70
(3,597.50)
3,597.50
(3,597.50)
3,597.50
Ms
Total
273
-200
AkU AM
+200
AkU AM
7.16%
(7.16%)
-200
bps
+200
bps
7.16%
(7.16%)
mMOl mm isM-10
isM-10:: mimMU Gh
eZq x xoki LYxmmeU M xok q
xqlr mMOl
274
uuUh
uSz ulqr PM
Ms ra
Msmi Uz
cs slSl (LYxmeU)
31.03.2014
31.03.2014
1,314,865.30
36,154.40
5,788.00
0.00
62,911.10
4,532.80
1,383,564.40
40,687.20
Notional Amount
Current Exposure
31.03.2014
31.03.2014
Particulars
1,314,865.30
36,154.40
5,788.00
0.00
62,911.10
4,532.80
Total
1,383,564.40
40,687.20
275
isM QLT-11
LT-11:: me M xbOl
pa II: 31 qc, 2017 x mWs Emra Mr elus lql (rl oxs III ulrqM xqrel M xqh Auk M SUl)
(` qsrl q)
ulrqM xqrel M xqh Auk M SUl Emra
Mr elus xqlr mMOMUh lql
(rl 1 Ams, 2013 x 31 SxoU, 2017
2017)
mu oxs III
uruWU M
Akl Uz
m Uz
xSp xZr
UM UZ aD Ar
31,803.35
L=L1+L2
207,135.32
o=o1+o2+o3+o4
x1
127.97
239,066.64
10
Axjai MU Axir
11
12
13
o mU mipiMi mmi
14
15
16
17
18
19
249.19
624.44
276
373.78
936.66
Retained earnings
Accumulated other comprehensive income (and other
3
reserves)
Directly issued capital subject to phase out from CET1
4
(only applicable to non-joint stock companies)
Public sector capital injections grandfathered until 1
January 2018
Common share capital issued by subsidiaries and held by
5
third parties (amount allowed in group CET1)
Common Equity Tier 1 capital before regulatory
6
adjustments
Common Equity Tier 1 capital: regulatory adjustments
7
Prudential valuation adjustments
8
Goodwill (net of related tax liability)
Intangibles other than mortgage servicing rights
9
(net of related tax liability)
10
Deferred tax assets
11
Cash-flow hedge reserve
12
Shortfall of provisions to expected losses
13
Securitisation gain on sale
207,135.32
b=b1+b2+b3+b4
-
127.97
c1
239,066.64
249.19
15
16
Investments in own shares (if not already netted off paidin capital on reported balance sheet)
17
277
936.66
19
14
18
373.78
624.44
20
21
22
23
24
25
26
3,973.48
26a
1,938.00
26b
26c
26d
2,907.00
LT1
8.96
13.44
LT2
2,026.52
3,039.78
Lc
27
28
29
4,847.11
234,219.53
0.00
31
0.00
32
0.00
33
12,716.80
AD
34
23.99
x2
35
36
12,740.79
278
20
21
22
23
24
25
26
3,973.48
26a
1,938.00
26b
26c
26d
2,907.00
f1
8.96
13.44
f2
2,026.52
3,039.78
27
28
29
4,847.11
234,219.53
0.00
31
0.00
32
0.00
33
12,716.80
34
23.99
35
36
279
i
c2
-
12,740.79
38
39
0.00
40
0.00
41
2,079.20
3,118.80
41a
41b
1,460.22
42
43
3,539.42
44
9,201.37
44a
9,201.37
45
LT3
243,420.90
25,000.00
M2
47
26,033.23
M1
48
30.48
x3
280
38
2,079.20
39
0.00
40
0.00
41
41a
41b
1,460.22
42
43
3,539.42
44
9,201.37
44a
9,201.37
45
3,118.80
f3
243,420.90
25,000.00
k2
47
26,033.23
k1
48
30.48
c3
281
49
50
mukl
43,960.14
51
95,023.85
0.00
Ls=Ls1+Ls2+Ls3
53
54
0.00
55
0.00
56
0.00
56a
0.00
56b
0.00
1,460.22
57
2,344.05
58
me OrU 2 me (O 2)
92,679.80
58a
92,679.80
58b
58c
59
0.00
883.83
0.00
92,679.80
336,100.70
31,26,456.58
60a
27,33,047.18
60b
2,20,378.07
60c
1,73,031.33
me Almi
61
7.49%
282
1,325.74
Lq
LT4
49
50
Provisions
43,960.14
51
95,023.85
0.00
l=l1+l2+l3
53
54
0.00
55
0.00
56
0.00
56a
0.00
56b
0.00
1,460.22
57
2,344.05
58
92,679.80
58a
92,679.80
58b
0.00
58c
92,679.80
59
0.00
883.83
336,100.70
31,26,456.58
60a
27,33,047.18
60b
2,20,378.07
60c
1,73,031.33
Capital ratios
61
7.49%
283
1,325.74
f4
62
63
64
5.50%
65
2.50%
66
0.00
67
0.00
68
0.00
7.79%
10.75%
5.00%
70
6.50%
71
9.00%
73
74
0.00
75
0.00
4,327.94
781.56
19,218.00
77
34,163.09
78
0.00
79
0.00
284
62
63
64
5.50%
65
2.50%
66
0.00
67
0.00
68
0.00
7.79%
10.75%
5.00%
70
6.50%
71
9.00%
4,327.94
73
781.56
74
0.00
75
0.00
19,218.00
77
34,163.09
78
0.00
79
0.00
285
sa lW
81
sa lW
82
12,716.80
83
84
85
3,179.20
26,033.23
6,508.30
NA
81
NA
82
12,716.80
83
3,179.20
84
26,033.23
85
6,508.30
286
isM 12 :
A
i
ii
iii
iv
(` qsrl q)
me u SriL
cMi me
AUi lk u AiU lk
Asmz ore
Ms me
eq
exq: oM x eq
exq: aWM eq
exq: xuk eq - Alr
EkU
exq: p.U.oM x
exq: oM x
exq: Alr xxjl u Lexr x
exq: aU mipiMi miSr olQ
Alr SriL u mukl
Ms
Axir
ii
iii
exq: oM M Gh u Aaq
iv
v
vi xZ uqz
vii sp u Wl Zi q lq zw
Ms Axi
287
ur uuUh
q isl m
31 qc 2014 iM
31 qc 2014 iM
4,612.59
297,150.03
3,135.54
304,898.16
4,206,036.80
199,496.22
1,023,823.93
2,982,716.65
273,097.24
0.00
109,050.26
51,287.15
112,759.83
4,612.59
293,541.08
1,070.71
299,224.38
4,206,175.10
199,496.22
1,023,904.87
2,982,774.01
273,097.24
0.00
109,050.26
51,287.15
112,759.83
226,863.69
144,907.29
5,010,895.89
4,923,404.01
221,610.29
221,539.71
227,105.51
226,626.91
1,354,453.55
1,097,124.19
1,674.61
55,730.00
98,399.34
6,824.61
94,700.80
3,013,260.16
1,269,452.76
1,076,678.49
14.99
15,493.91
84,079.48
5,429.36
87,756.53
3,013,260.16
377.51
377.51
3,012,882.65
66,619.76
127,846.62
zlr
zlr
zlr
3,012,882.65
66,482.33
126,042.14
zlr
zlr
zlr
5,010,895.89
4,923,404.01
(` in Million)
Balance sheet as in
Financial Statements
As at 31st March 2014
A
i
ii
iii
iv
B
i
ii
iii
iv
v
vi
vii
4,612.59
297,150.03
3,135.54
304,898.16
4,206,036.80
199,496.22
1,023,823.93
2,982,716.65
273,097.24
0.00
109,050.26
51,287.15
112,759.83
226,863.69
5,010,895.89
4,612.59
293,541.08
1,070.71
299,224.38
4,206,175.10
199,496.22
1,023,904.87
2,982,774.01
273,097.24
0.00
109,050.26
51,287.15
112,759.83
144,907.29
4,923,404.01
Assets
Cash and balances with Reserve Bank of India
Balance with banks and money at call and short notice
Investments:
221,610.29
227,105.51
1,354,453.55
221,539.71
226,626.91
1,269,452.76
1,097,124.19
1,076,678.49
1,674.61
55,730.00
98,399.34
6,824.61
94,700.80
3,013,260.16
377.51
3,012,882.65
66,619.76
127,846.62
NIL
NIL
14.99
15,493.91
84,079.48
5,429.36
87,756.53
3,013,260.16
377.51
3,012,882.65
66,482.33
126,042.14
NIL
NIL
NIL
NIL
5,010,895.89
4,923,404.01
288
(` qsrl q)
me u SriL
ii
iii
iv
cMi me
xDO 1 M sr m Uz
exq: LO 1 M sr m Uz
AUi lk u AiU lk
exq:
- uklM AUi lk
- zrU mqrq
- me pQU
- Uexu pQU
- uzw pQU
- uSz qS pQU
- mlqsrMi pQU
- luz AUi lk Zi
- ucUj me pQU
Asmz ore
exq: xqlr CYuO OrU 1 M sL m
exq: AiU CYuO OrU 1 M sL m
exq: OrU 2 M sL m
Ms me
eq
exq: oM x eq
exq: aWM eq
exq: xuk eq - Alr
EkU
exq: p.U.oM x
exq: oM x
exq:Alr xxjl u Lexr x
exq: aU mipiMi miSr olQ
exq: m sZi
ur uuUh q
isl m
ulrqM SrU M
uqz M Aiai
isl m
31 qc 2014 iM
31 qc 2014 iM
xSp xZr
4,612.59
4,612.59
0.00
297,150.03
4,612.59
4,612.59
0.00
293,541.08
73,496.40
28,440.76
13,562.71
87,432.64
35,000.00
2,157.07
54,982.53
2,050.00
27.92
3,135.54
304,898.16
4,206,036.80
199,496.22
1,023,823.93
2,982,716.65
273,097.24
0.00
109,050.26
51,287.15
112,759.83
12,716.80
73,496.40
27,190.76
13,562.71
85,076.21
35,000.00
2,157.07
54,982.53
2,050.00
25.40
1,070.71
127.97
23.99
30.48
299,224.38
4,206,175.10
199,496.22
1,023,904.87
2,982,774.01
273,097.24
0.00
109,050.26
51,287.15
112,759.83
12,716.80
26,033.23
26,033.23
M1
25,000.00
25,000.00
M2
226,863.69
144,907.29
0.00
0.00
0.00
0.00
17,168.00
17,168.00
5,010,895.89
4,923,404.01
289
L1
o1
L2
o2
o3
o4
Ls3 (45%)
Ls2
x1
x2
x3
AD
Ls1
Step 2
(` in Million)
Balance sheet as in
Financial Statements
Paid-up Capital
of which: Amount eligible for CET1
of which: Amount eligible for AT1
Reserves & Surplus
of which:
- Statutory Reserve
- Share Premium
- Capital Reserve
- Revenue Reserve
- Special Reserve
- Foreign Currency Translation Reserve
- Revaluation Reserve
- Investment Reserve Account
- Capital Reserve on Consolidation
Minority Interest
of which eligible for Common Equity Tier 1
of which eligible for Additional Tier 1
of which eligible for Tier 2
Total Capital
Deposits
of which: Deposits from banks
of which: Customer deposits
of which: Term Deposits - Others
Borrowings
of which: From RBI
of which: From banks
ii
iii
Ref No.
a1
304,898.16
4,206,036.80
199,496.22
1,023,823.93
2,982,716.65
273,097.24
0.00
109,050.26
73,496.40
27,190.76
13,562.71
85,076.21
35,000.00
2,157.07
54,982.53
2,050.00
25.40
1,070.71
127.97
23.99
30.48
299,224.38
4,206,175.10
199,496.22
1,023,904.87
2,982,774.01
273,097.24
0.00
109,050.26
51,287.15
51,287.15
112,759.83
112,759.83
12,716.80
12,716.80
26,033.23
26,033.23
k1
25,000.00
25,000.00
k2
226,863.69
0.00
0.00
17,168.00
144,907.29
0.00
0.00
17,168.00
l1
5,010,895.89
4,923,404.01
iv
Balance sheet
under regulatory
scope of
Consolidation
As at 31st March,
2014
4,612.59
4,612.59
0.00
293,541.08
Total
290
b1
a2
b2
b3
b4
l3 (45%)
l2
c1
c2
c3
Axi
221,610.29
221,539.71
227,105.51
226,626.91
luz
1,354,453.55
1,269,452.76
1,097,124.19
1,076,678.49
1,674.61
14.99
55,730.00
15,493.91
1,561.10
1,561.10
98,399.34
84,079.48
5,198.00
5,198.00
2,209.57
2,209.57
Lq
6,824.61
5,429.36
4,845.00
4,845.00
22.40
22.40
94,700.80
87,756.53
3,013,260.16
3,013,260.16
377.51
377.51
3,012,882.65
3,012,882.65
66,619.76
66,482.33
622.97
622.97
127,846.62
126,042.14
ii
Gh u Aaq
exq : oM M Gh u Aaq
exq : aWM M Gh u Aaq
iv
lri Axir
exq : Aqi Axir
Alr Axir
exq : xZ u Aqi Axir
0.00
Axjai MU Axir
0.00
5,066.30
5,066.30
vi
ucUj xZ
0.00
0.00
vii
sp u Wl Zi q lq zw
0.00
0.00
5,010,895.89
4,923,404.01
Ms Axi
291
e=
LT1+LT2+
LT3+LT4
Lc
Assets
221,610.29
221,539.71
227,105.51
226,626.91
Investments
1,354,453.55
1,269,452.76
1,097,124.19
1,076,678.49
1,674.61
14.99
55,730.00
15,493.91
1,561.10
1,561.10
98,399.34
84,079.48
5,198.00
5,198.00
2,209.57
2,209.57
6,824.61
5,429.36
4,845.00
4,845.00
22.40
22.40
94,700.80
87,756.53
3,013,260.16
3,013,260.16
377.51
377.51
3,012,882.65
3,012,882.65
66,619.76
66,482.33
622.97
622.97
127,846.62
126,042.14
ii
g=f1+f2+f3+f4
iv
Fixed assets
of which: Eligible amount of Intangible assets
Other assets
of which: Goodwill and intangible assets
0.00
0.00
5,066.30
5,066.30
vi
0.00
0.00
vii
0.00
0.00
5,010,895.89
4,923,404.01
Total Assets
292
cUh 3
oxs III xqlr mMOl OqmsO M xU (eQ ar Msq M xj) - xUh QLTLT-11
11
(pa I / pa II,
II, e p sa W)
xqlr CYuO OrU I me: sZi u Ueu
oM U UmO
M ar ulrqM
me M bOM
1
mikUi Emel
31,803.35
L1+L2
207,135.32
o1+o2+o3+o4
x 1
127.97
239,066.64
Step 3
Extract of Basel III common disclosure template (with added column) Table DF-11
(Part I/ Part II whichever applicable)
Common Equity Tier 1 capital: instruments and reserves
Component
of regulatory
capital reported
by bank
1
Retained Earnings
127.97
239,066.64
293
31,803.35
a1+a2
207,135.32
b1+b2+b3+b4
c1
isM QLT-13
LT-13:: lrqM me sZi M qZr uzwiL
1..
eUMi
MlU oM
sZi M sr sa lrq
ulrqM uruxj
4
LMs u xqWM
sZi M mMU
CYuO zrU
ulrqM me q xuMi Uz
(Ws M UmOa ij M AlxU,mr qsrl q)
4,612.59
sZi M xqqsr
10
sZMl uaMUh
CYuO zrU me
11
eU Wl M qs ij
12
oqrS r SlMi
oqrS
13
qs mUmYui ij
MD mUmYui lW
14
sa lW
15
sa lW
16
sa lW
Mml/spz
17
sa lW
18
sa lW
19
lW
20
xmh uuMkMU
21
lW
22
aU xcr r xcr
aU xcr
23
mUuilr r aU mUuilr
sa lW
294
Issuer
CANARA BANK
ISIN - INE476A01014
Regulatory treatment
4
Instrument type
Equity Shares
4,612.59
4,612.59
(Face Value ` 10/- per share)
10
Accounting classification
11
12
Perpetual or dated
Perpetual
13
14
No Maturity
Not Applicable
15
Not Applicable
16
Not Applicable
Coupons / dividends
17
Not Applicable
18
Not Applicable
19
No
20
Fully Discretionary
21
No
22
Noncumulative or cumulative
Non Cumulative
23
Convertible or non-convertible
Not Applicable
295
24
Not Applicable
25
Not Applicable
26
Not Applicable
27
Not Applicable
28
Not Applicable
29
Not Applicable
30
Write-down feature
No
31
Not Applicable
32
Not Applicable
33
Not Applicable
34
If temporary write-down, description of write-up mechanism
Not Applicable
35
Position in subordination hierarchy in liquidation (specify instrument type Represents the most subordinated
claim in liquidation
immediately senior to instrument)
36
No
37
Not Applicable
Annexure:
Sl
No
Year
Particulars
Cumulative number of
Equity Shares
31.03.1999
30,00,00,000
14.12.2002
41,00,00,000
15.03.2011
44,30,00,000
31.12.2013
46,12,58,837
296
24
sa lW
25
sa lW
26
rS mUuilr,, mUuil SU
sa lW
27
sa lW
28
sa lW
29
sa lW
AusZl uzwiL
30
lW
31
sa lW
32
sa lW
33
sa lW
34
sa lW
35
36
lW
37
sa lW
Alok:
CYuO zrU M xcr
xZr
q uw
uuUh
31.03.1999
30,00,00,000
14.12.2002
41,00,00,000
15.03.2011
44,30,00,000
31.12.2013
46,12,58,837
297
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
298
299
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
300
301
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
302
303
36
37
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
sa lW
304
305
36
37
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
sa lW
306
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
307
36
37
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
sa lW
308
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
309
36
37
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
sa lW
310
311
312
35
36
37
313
35
36
37
lW
sa lW
314
10.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
315
35
36
37
lW
sa lW
316
35
36
37
317
318
35
36
Not Applicable
319
35
36
37
lW
sa lW
320
35
36
Not Applicable
321
322
35
36
Not Applicable
323
35
36
37
lW
sa lW
324
35
36
Not Applicable
325
35
36
37
lW
sa lW
326
35
36
Not Applicable
327
35
36
37
lW
sa lW
328
35
36
Not Applicable
329
eUMi
MlU oM
ADLlD476L09256
sZi M sr sa lrq
ulrqM uruxj
4
OrU 2
OrU 2
LMs/xqWM/xqWM u LMs mU m
LMs u xqW
sZi M mMU
OrU 2 Gh usZ
1,0000.00
sZi M xqqsr
1,000,000.00
10
sZMl uaMUh
SriL
11
eU Wl M qs ij
27/03/2014
12
oqrS r SlMi
SlMi
13
14
27/03/2024
qs mUmYui ij
laUl mu AlqSl M Akl eUMi U umx
lW
15
sa lW
16
sa lW
Mml/spz
17
xjD
18
9.70
19
lW
20
AzM uuMkl
21
lW
22
aU xcr r xcr
aU xcD
23
mUuilr r aU mUuilr
AmUuilr
24
sa lW
25
sa lW
26
rS mUuilr, mUuil SU
sa lW
27
sa lW
330
Issuer
CANARA BANK
Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for private placement) INE476A09256
Regulatory treatment
4
Tier 2
Tier 2
Instrument type
10000.00
1,000,000.00
10 Accounting classification
Liability
27/03/2014
12 Perpetual or dated
Dated
13
27/03/2024
No
15
Not Applicable
16
Not Applicable
Coupons / dividends
17
Fixed
18
9.70
19
No
20
Partially Discretionary
21
No
22
Noncumulative or cumulative
Non Cumulative
23 Convertible or non-convertible
Non Convertible
24
Not Applicable
25
Not Applicable
26
Not Applicable
27
Not Applicable
331
28
sa lW
29
sa lW
30
AusZl uzwiL
sa lW
31
sa lW
32
sa lW
33
sa lW
34
sa lW
35
36
lW
37
sa lW
xUh Q LTLT-14
14:: ulrqM me sZi M xmh lrq u zi
ulrqM me sZi M xmh lrq u zi M xqolk q mMOMUh `lrqM mMOMUh kU' M iWi oM M uoxCO mU Asa x
S aD W| Cx kU M sL sM W: http://www.canarabank.com/English/Scripts/BaselIIDisclosures.aspx
332
28
Not Applicable
29
Not Applicable
30 Write-down feature
Not Applicable
31
Not Applicable
32
Not Applicable
33
Not Applicable
34
Not Applicable
35
No
Not Applicable
333
334
2872.10
625.00
228.47
160.75
800.00
189.69
15.06
2128.72
478.41
820.34
433.46
-1.10
2222.45
255.61
730.56
130.07
-0.92
-70.25
-56.57
692.42
5496.22
-390.22
3895.73
(6518.92) (18608.57)
(60897.19) (11887.63)
4522.72
5097.98
64866.83
28802.26
(250.89)
(1779.72)
1078.23
2800.78
1200.00
1141.96
2766.28
1100.00
9535.20
8434.11
70.25
-29.68
56.57
-91.67
-541.20
-500.63
-225.86
-260.96
18.26
481.74
-1024.77
-820.34
0.00
0.00
-567.30
-730.56
31.03.2014 31.03.2013
22153.78
15405.93
22674.93
19308.77
44828.71
34714.70
u xMqU
qQs mokM
Lq cS zZU
xWrM qW mokM
Ll xuzMUl
Em qW mokM
Ll xsuUel
qW mokM
mql xW Uui
MrmsM lSzM
u Lx Mwh MqU
MrmsM lSzM
Ueu MzU So
Akr u mok lSzM
Q. Uei pau
lSzM
e u xozu Uu
lSzM
e u qhqUl
lSzM
xil xlW
lSzM
xer el
lSzM
Mi
m cmQ LhQ M
xlS sZMU
z mZlr
xfSU
Mi
Mi
L AU Sx LhQ LxxLOx Lx x uxSu LhQ M
xlS sZMU
xlS sZMU
zrqs MqU lrM
xfSU
xer uxSu
xfSU
Mi
ulr MqU LhQ M
xlS sZMU
Mi
TQ, UQx mYx LhQ M
xlS sZMU
lZs xbs
xfSU
L Q zhr
xfSU
oasU
05 qD, 2014
V SUKUMAR
M CHANDRA SEKHAR
DIVISIONAL MANAGER ASSISTANT GENERAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
N SELVARAJAN
GENERAL MANAGER
P S RAWAT
EXECUTIVE DIRECTOR
V S KRISHNA KUMAR
EXECUTIVE DIRECTOR
R K DUBEY
CHAIRMAN & MANAGING DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUTANU SINHA
DIRECTOR
SANJAY JAIN
DIRECTOR
For
P CHOPRA & Co.
Chartered Accountants
HRUDYESH N PANKHANIA
Partner
For
For
A R DAS & ASSOCIATES S C VASUDEVA & Co.
Chartered Accountants Chartered Accountants
SYAMAL KUMAR NAYAK
Partner
BANGALORE
MAY 05,2014
335
SANJAY VASUDEVA
Partner
For
VINAY KUMAR & Co.
Chartered Accountants
For
FORD RHODES PARKS & Co.
Chartered Accountants
NIKHIL SINGHAL
Partner
A D SHENOY
Partner
MlU oM M xqMi
isl m, sp u Wl sZ
ij lMS muW uuUh
2013-2014
CONSOLIDATED
BALANCE SHEET, PROFIT & LOSS ACCOUNT
AND CASH FLOW STATEMENT OF CANARA BANK
336
xqMi u
ur
r uuUh mU sZ
mUM M xui UmO
xu q,
To
The Board of Directors
Canara Bank
lSzM qQs
MlU
l oM
ur uuUh mU UmO :
1.
xWo xxjA AU
i.
Auditors Responsibility
337
Opinion
i)
338
7. Alr qqs:
7. Other Matters
Mi sMU LhQ M
xlS sZMU
T m x: 000172Qosr
Mi m cmQ LhQ M
xlS sZMU
T m x: 004957Ll
(UMz el)
xfSU
x.x. 087925
(Rakesh Jain)
Partner
M. No. 087925
Mi L AU Sx LhQ LxxLOx
xlS sZMU
T m x: 306109D
Mi Lx x uxSu LhQ M
sZMU
T m x: 000235Ll
xlS
(mrs ox)
xfSU
x.x. 054704
(xer uxSu)
xfSU
x.x. 090989
(Piyali Basu)
Partner
M. No. 054704
(Sanjay Vasudeva)
Partner
M. No. 090989
(lZs xbs)
xfSU
x.x. 079557
(L Q zhr)
xfSU
x.x. 011549
(Nikhil Singhal)
Partner
M. No. 079557
(A.D. Shenoy)
Partner
M. No. 011549
xjl : lD Sss
SlM : 26 qD, 2014
339
Schedule
As at 31.03.2014
(` 000)
As at 31.03.2013
(` 000)
1
2
2A
3
4
5
461 25 88
29715 00 30
313 55 42
420603 67 99
27309 72 44
22686 36 90
501089 58 93
443 00 00
24733 42 66
232 15 88
355684 63 67
20355 08 86
17875 96 21
419324 27 28
22161 02 91
15414 98 97
7
8
9
10
11
22710 55 07
135445 35 48
301326 01 63
6661 97 62
12784 66 22
501089 58 93
19364 22 17
127533 53 18
242435 75 97
2883 99 72
11691 77 27
419324 27 28
12
223360 25 36
16268 91 63
250012 32 29
13997 78 94
oM q zw AU qa ij Asm xcl mU kl
Lq cS zZU
xWrM qW mokM
Ll xuzMUl
Em qW mokM
xil xlW
lSzM
19
Ll xsuUel
qW mokM
Ueu MzU So
Akr u mok lSzM
18
Q. Uei pau
lSzM
xDUq o. qcUs
lSzM
mql xW Uui
MrmsM lSzM
e u xozu Uu
lSzM
UelSU MqU ars
lSzM
u Lx Mwh MqU
MrmsM lSzM
e u qhqUl
lSzM
xer el
lSzM
Mi
m cmQ LhQ M
xlS sZMU
am Mzl eaQ
xfSU
UMz el
xfSU
Mi
Mi
L AU Sx LhQ LxxLOx Lx x uxSu LhQ M
xlS sZMU
xlS sZMU
mrs ox
xfSU
xer uxSu
xfSU
Sss
26 qD, 2014
340
Mi
ulr MqU LhQ M
xlS sZMU
Mi
TQ, UQx mYx LhQ M
xlS sZMU
lZs xbs
xfSU
L Q zhr
xfSU
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2014
Alxc rj 31.03.2014 M rj 31.03.2013 M
Schedule
xqmi uw
xqmi uw
For the Year ended For the Year ended
31.03.2014
31.03.2013
(` 000)
(` 000)
Ar / I. INCOME
Aei ore / INTEREST EARNED
Alr Ar / OTHER INCOME
eQ / TOTAL
I.
II.
M CHANDRA SEKHAR
N SIVASANKARAN
ASSISTANT GENERAL MANAGER DEPUTY GENERAL MANAGER
R K DUBEY
CHAIRMAN & MANAGING DIRECTOR
For
LOONKER & Co.
Chartered Accountants
GOPI KISHAN JANGID
Partner
SUTANU SINHA
DIRECTOR
For
P CHOPRA & Co.
Chartered Accountants
RAKESH JAIN
Partner
39570 16 50
4143 67 68
43713 84 18
34069 87 17
3307 64 82
37377 51 99
15
16
30605 53 39
6116 25 13
26197 74 56
5180 35 24
4402 53 34
41124 31 86
3047 59 43
34425 69 23
82 74 06
42 93 97
2672 26 38
2994 76 73
42 09 47
25 06 07
2630 16 91
2969 70 66
652 20 00
87 50 00
723 33 10
43 39 70
205 00 00
700 00 00
17
13
14
299 81 95
207 56 52
88 04 10
18
19
N SELVARAJAN
GENERAL MANAGER
DELHI
MAY 26,2014
341
576 00 00
99 82 03
1295 04 34
2630 16 91
622 15 83
2969 70 66
58.77
67.04
P S RAWAT
V S KRISHNA KUMAR
EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
RAJINDER KUMAR GOEL
DIRECTOR
For
VINAY KUMAR & Co.
Chartered Accountants
NIKHIL SINGHAL
Partner
G V MANIMARAN
DIRECTOR
SANJAY JAIN
DIRECTOR
For
FORD RHODES PARKS & Co.
Chartered Accountants
A D SHENOY
Partner
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M rj 31.03.2013 M
As at 31.03.2014 As at 31.03.2013
(` 000)
(` 000)
Alxc 1 - me / SCHEDULE 1 - CAPITAL
I.
3000 00 00
3000 00 00
318 25 88
300 00 00
143 00 00
143 00 00
461 25 88
443 00 00
7349 64 00
6697 44 00
II.
1356 27 07
1268 77 07
2 79 18
2 79 18
2844 07 63
2362 33 51
215 70 73
100 19 39
5498 25 33
2033 24 03
205 00 00
205 00 00
3500 00 00
3500 00 00
8743 26 36
8563 65 48
29715 00 30
24733 42 66
110 15 12
110 15 12
203 40 30
122 00 76
eQ / TOTAL
313 55 42
232 15 88
eQ / TOTAL
II.
342
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M
As at 31.03.2014
(` 000)
rj 31.03.2013 M
As at 31.03.2013
(` 000)
i. oM x / FROM BANKS
ii. Alr x / FROM OTHERS
eQ / Total
888 74 24
16846 78 66
17735 52 90
235 93 87
14485 85 54
14721 79 41
II.
85535 60 57
85535 60 57
71168 18 72
71168 18 72
III.
19060 88 04
298271 66 48
317332 54 52
420603 67 99
12104 88 42
257689 77 12
269794 65 54
355684 63 67
398725 18 88
21878 49 11
420603 67 99
341931 80 83
13752 82 84
355684 63 67
--5128 71 54
--3526 13 29
9778 10 00
14906 81 54
7353 55 00
10879 68 29
10905 02 60
8118 24 75
1497 88 30
12402 90 90
27309 72 44
1357 15 82
9475 40 57
20355 08 86
343
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M
As at 31.03.2014
(` 000)
rj 31.03.2013 M
As at 31.03.2013
(` 000)
1174 18 05
218 47 77
1471 72 10
1738 27 41
18083 71 57
1057 27 60
42 85 26
1153 11 02
310 35 76
15312 36 57
22686 36 90
17875 96 21
1147 76 12
1137 85 13
21013 26 79
21013 26 79
22161 02 91
14277 13 84
14277 13 84
15414 98 97
77 46 13
127 33 13
204 79 26
1573 70 21
85 56 28
1659 26 49
204 79 26
860 00 00
4307 62 91
5167 62 91
6826 89 40
5408 10 71
15092 66 26
2004 98 84
22505 75 81
22710 55 07
4493 12 62
7247 16 96
797 03 19
12537 32 77
19364 22 17
344
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M
As at 31.03.2014
(` 000)
rj 31.03.2013 M
As at 31.03.2013
(` 000)
135302 90 23
126985 85 35
819 21 31
136 08 22
134483 68 92
126849 77 13
i.
i.
xUMU mipir /
GOVERNMENT SECURITIES
109638 60 57
103055 41 65
ii.
ii.
167 46 14
150 01 06
iii
iii
zrU /
SHARES
5572 99 98
4888 22 05
iv.
iv.
QocU AU ohQ /
DEBENTURES AND BONDS
9839 93 41
4602 47 26
v.
v.
682 46 13
472 87 51
vi.
vi.
8582 22 69
13680 77 60
134483 68 92
126849 77 13
1003 72 38
779 54 74
42 05 82
95 78 69
961 66 56
683 76 05
73 81 29
53 47 07
887 85 27
630 28 98
eQ / Total
961 66 56
683 76 05
eQ / Total
135445 35 48
127533 53 18
I.
I.
eQ / Total
II.
i.
ii.
345
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M
As at 31.03.2014
(` 000)
rj 31.03.2013 M
As at 31.03.2013
(` 000)
10870 88 98
7706 80 04
116629 26 65
105055 02 60
173825 86 00
129673 93 33
eQ / Total
301326 01 63
242435 75 97
242144 77 53
191244 76 73
9933 90 69
8793 07 00
49247 33 41
42397 92 24
301326 01 63
242435 75 97
96652 16 40
82048 77 57
31777 93 93
29096 02 86
37 75 12
14 75 78
153619 44 85
116209 67 79
eQ / Total
282087 30 30
227369 24 00
10 85 70
1507 34 83
271 40 13
8444 87 26
5087 97 80
a. Alr / c . OTHERS
9286 49 24
9696 28 34
eQ / Total
19238 71 33
15066 51 97
eQ / Total
301326 01 63
242435 75 97
ZUS ar ij o mU plL ar os /
A. i. BILLS PURCHASED & DISCOUNTED
II.
346
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M
As at 31.03.2014
(` 000)
Alxc 10 - Acs Axir / SCHEDULE 10 - FIXED ASSETS
I.
mUxU / I. PREMISES
sai mU/ ij mNs isl m M AlxU
qsrMl / AT COST / VALUATION AS PER LAST
BALANCE SHEET
uw M SUl xukl / ADDITIONS DURING THE YEAR
uw M SUl ML mlqsrMl /
REVALUATION MADE DURING THE YEAR
uw M SUl MOir / DEDUCTIONS DURING THE YEAR
Ail qsrx / DEPRECIATION TO DATE
II.
III.
2925 70 87
2910 03 95
104 68 51
3030 39 38
20 09 38
2930 13 33
3569 47 57
2 31 36
6597 55 59
598 21 85
4 42 46
2925 70 87
485 45 21
5999 33 74
2121 56 50
1993 72 50
452 15 97
2573 72 47
54 62 81
2519 09 66
1861 79 26
220 10 16
2213 82 66
92 26 16
2121 56 50
1683 10 15
657 30 40
2440 25 66
438 46 35
103 46 66
1 06 16
104 52 82
8 23 90
96 28 92
87 58 03
8 70 89
rj 31.03.2013 M
As at 31.03.2013
(` 000)
4 31 26
105 23 22
70 14
105 93 36
2 46 70
103 46 66
93 67 57
9 79 09
4 39 63
93 85
6661 97 62
347
5 71 07
4 08 02
1 19 69
2883 99 72
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2014
rj 31.03.2014 M
rj 31.03.2013 M
4206 65 13
3370 90 23
4065 57 68
2430 83 30
12 01 90
6 93 11
33 09
33 09
4500 08 42
5882 77 54
12784 66 22
11691 77 27
8273 69 79
4996 30 79
25 36 00
--
158715 01 00
196249 12 20
As at 31.03.2014
(` 000)
As at 31.03.2013
(` 000)
III.
STAMPS
IV.
Alr / V. OTHERS
eQ / TOTAL
Alxc 12 - AMxqM SriL /
V.
oM M u Su elW Gh M m q xuMU lW
Mr ar W / I. CLAIMS AGAINST THE BANK NOT
II.
ACKNOWLEDGED AS DEBTS
PARTLY PAID INVESTMENTS
III.
IV.
M. pUi q / a. IN INDIA
Z. pUi x oWU / b. OUTSIDE INDIA
V.
35822 92 02
23457 86 80
44 98 42
39 40 68
23497 27 48
19813 70 43
24657 21 61
35867 90 44
Z. Alr / b. OTHERS
--
--
664 57 70
612 40 21
eQ / TOTAL
348
664 57 70
612 40 21
223360 25 36
250012 32 29
DISCOUNT ON ADVANCES/BILLS
luz mU Ar / II. INCOME ON INVESTMENTS
689 92 48
17 81 76
28433 68 25
10293 32 63
24339 46 52
9142 29 50
733 57 53
109 58 09
39570 16 50
585 52 99
2 58 16
34069 87 17
982 76 61
867 80 65
672 10 72
--
349
rj 31.03.2013 M
xqmi uw
690 91 78
9 03 90
681 87 88
--
160 74 51
(160 74 51)
15 05 85
(15 05 85)
3 99 02
1 66 48
2 32 54
6 48 77
1 57 25
4 91 52
670 16 21
-
670 16 21
484 02 57
19 29 52
464 73 05
68 97 92
1908 08 19
4143 67 68
54 74 94
1248 62 63
3307 64 82
28645 05 21
25237 82 06
700 30 16
1260 18 02
30605 53 39
165 38 95
794 53 55
26197 74 56
rj 31.03.2013 M
xqmi uw
For the Year ended
31.03.2013 (` 000)
3706 52 54
3285 44 47
554 00 95
471 97 12
II.
III.
42 12 65
31 01 60
IV.
66 34 40
33 93 14
229 89 06
191 44 41
1 54 15
1 03 97
47 32 24
32 85 01
27 42 28
27 70 86
47 42 82
39 46 33
V.
VI.
184 41 84
155 30 45
XI.
oq / XI. INSURANCE
201 14 76
226 07 60
1008 07 44
684 10 28
6116 25 13
5180 35 24
32 06 40
22 92 02
--
--
II.
III.
36 64 49
Z. MUs aqh oM
B. KERALA GRAMIN BANK
14 03 17
eQ / TOTAL
21 84 58
50 67 66
82 74 06
350
(1 82 63)
20 01 95
42 93 97
Alxc- 18
SCHEDULE 18
rj 31 qc
qc, 2014 M xqmi uw M
sL xqMi ur uuUh M qWiumh
sZMl lir
1. M. xq
xqMi ur uuUh irU MUl
MUl M AkU:
oM (mkl), ClM Alwar, xr Eq ij xWo
xxjA (xqW) M xqMi ur uuUh LiWxM sai
mUmU M Aiai irU Mr ar W AU Alrj Mr ar uur
M NQMU pUi q xqlrir xuMi sZMl xi,
xoki xukM mukl, pUir Ueu oM U lkUi
lrqM AmA/ SzlSz, oq ulrqM u uMx
mkMUh, Mml Aklrq, 1956, pUir xlS sZMU
xxjl U eU M aD sZMl qlM AU xoki
Ea / MUoU M mcsi mjA M qWiumh mUmr
M Alm W|
Z.
Alql M Emra:
2. xqMl mr
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:
351
x W |
2.3 Alwar q ExM luz M xj mkl xxj M sai
ij Alwar M DYuO q mkl M Wxx M oc M AiU
M qqslxU xZ / me AUi lk M m q qlri
S aD |
352
4. luz
Investments
353
M) mUmYui M sL kUi
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.
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
Central Government
Securities and State
Government securities are valued at market prices
as per prices declared by Fixed Income Money Market
and Derivatives Association of India (FIMMDA).
354
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 |
355
356
i.
6.1 Advances are classified as Performing and NonPerforming Assets in accordance with the prudential
norms issued by RBI.
6. Aaq:
7. Fixed Assets
7.
xjU mUxmr:
357
8. qsrx:
8. Depreciation
8.1 qs oM:
8.1 Parent:
i)
i)
8.2 Subsidiaries:
i)
8.2 Alwar:
i)
358
9. Axir M Wl:
9.1 mirM isl m iUZ M Mx Axi M Amrl M
xMi W r lW M LM lkUh Mr ei W | rS MD
xMi mr ei W i uxs rar Uz M LM Alql olr
ei W ij rS MD Amrl W i, mukl Mr ei W |
9. Impairment of Assets
9.1 An assessment is made at each balance sheet date
whether there is any indication that an asset is
impaired. If any such indication exists, an estimate
of the recoverable amount is made and impairment
loss, if any, is provided for.
eul oq Mml:
M) mqrq:
a) Premium:
359
Z) xo MUoU x Ar:
Ar:
c) Reinsurance Premium:
Reinsurance premium ceded is accounted
in accordance with the treaty or in principle
arrangement with the re- insurer.
1) msx eU ML el M ij x 3 uw (1 xioU
2010 M mWs eU M aD msxr M qqs q), Lx
msxr M Aprmh qsr M ur uw q Sri M
m q s er ei W ij msx kUM M, sM Cl
Auk M xqmi M oS pail Mr ei W |
2) msx eU ML el M ij x 5 uw (1 xioU
2010 M oS eU M aD msxr M qqs q), ux
msxr M Aprmh qsr M LM lq lk "rLs
uriq msx lk" q luzi Mr ei W ij
msx kUM M, sM Cl Auk M xqmi M oS
lrliq li misp r uxiuM misp, Sl q e
AkM W, M pail Mr 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
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
360
12 MqcU Wi:
I.
12 Employee Benefits
I.
361
13 MUkl M sL mukl:
M) cs ij Axjai Sl MU M sL MU mukl Mr
ar W |
I.
362
363
Alxc 19 / SCHEDULE 19
rj 31 qc 2014 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 2014
1. xqMi ur uuUh MlU oM (mkl) u ExM lqlsZi Alwar, xWra xxjA u xr Eq M mUhq W|
Alwar, xWra xxjA u xr Eq M ur uuUh MlU oM M ur mUhq, Aji 31 qc, 2014 M xqmi uw
M Ex UmOa Auk iM irU Mr ar 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 31.03.2014 rj 31.03.2013
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, 2014.
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 31.03.2014 on 31.03.2013
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%
364
MUs aqh oM
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 31.03.2014 on 31.03.2013
1.
India
42.35%
42.35%
2.
India
35.00%
35.00%
3.
India
35.00%
35.00%
1.3 xr Eq:
365
M. isl m:
uuUh
A. Balance Sheet:
(` MUQ q)
(` in Crore)
Particulars
31.03.2014 31.03.2013
me u SriL
31.03.2014 31.03.2013
me
87.87
43.42
Capital
87.87
43.42
13.75
32.49
13.75
32.49
eq
8.59
3.77
8.59
3.77
EkU
133.13
120.68
133.13
120.68
0.78
0.51
0.78
0.51
244.12
200.87
244.12
200.87
0.18
0.54
47.95
35.85
180.43
132.16
14.72
31.70
Deposits
Borrowings
Other Liabilities and
Provisions
TOTAL
Axir
pUir Ueu oM M mx lMS
u zw
Assets
0.18
0.54
47.95
35.85
luz
180.43
132.16
Aaq
14.72
31.70
Acs Axir
0.19
0.23
Fixed Assets
0.19
0.23
Alr Axir
0.65
0.39
Other Assets
0.65
0.39
244.12
200.87
244.12
200.87
zlr
zlr
Nil
Nil
oM q zw ij qa AU
Asmxcl mU kl
Ms
AMxqM SriL
Z. sp AU Wl Zi:
uuUh
Ar
Aei ore
Alr Ar
Ms
urr
urr Mr ar ore
mUcsl urr
TOTAL
Contingent Liabilities
B. Profit & Loss Account:
2013-14
(` MUQ q)
2012-13
16.58
0.86
17.44
12.91
3.49
16.40
2.22
4.59
2.15
3.27
0.78
2.04
Ms
sp
7.59
9.85
7.46
8.94
Particulars
Income
Interest Earned
Other Income
TOTAL
Expenditure
Interest Expended
Operating Expenses
Provision and
Contingencies
TOTAL
PROFIT
366
2013-14
(` in Crore)
2012-13
16.58
0.86
17.44
12.91
3.49
16.40
2.22
4.59
2.15
3.27
0.78
2.04
7.59
9.85
7.46
8.94
Mqzrs oM BT CQr Ls Ls x
36.65
(` MUQ q)
31.03.2014
31.03.2013
2.54
2.54
0.25
0.25
2.79
2.79
36.65
(` in Crore)
31.03.2014
31.03.2013
2.54
2.54
0.25
0.25
2.79
2.79
5. xjU Axir:
i) mUxU q mkl oM M `211.35 MUQ (mNs uw
`223.27 MUQ) qs sai r MN xmr p zqs
W exM xok q WxiiUh msZ lwmSl M sL
soi W |
5. Fixed Assets:
i) Premises include certain properties having
original cost of `211.35 Crore (Previous year
`.223.27 Crore) in respect of which conveyance
deeds is pending execution.
ii) Certain properties (free hold and lease hold
land and buildings) capitalized before 31st
March 2013 have been revalued on the bases of
valuation done by the approved valuers during
the year. A sum of `3569.48 Crore being the net
surplus on the revaluation has been credited to
the Revaluation Reserve during the year.
367
7. Employee Benefits:
xo mO M mMOl:
ElM xok
368
i)
MlU oM
i)
8.1.3 Alwari)
Canara Bank
8.1.3 Subsidiaries
i)
8.1.5 Associates
i)
a.
b.
369
MqM ij ElM xokr M sl-Sl xWi oMUaWM xok mMi M sl-Sl M mMOMUh lW Mr
ar W |
zlr
(zlr)
zlr
(zlr)
Particulars
Borrowings Outstanding as at the year end
49.40
(70.90)
49.40
(73.20)
125.91
1443.18
(164.94)
(968.81)
212.85
1453.18
(175.21) (1059.57)
zlr
(zlr)
zlr
(zlr)
130.32
(118.07)
130.32
(118.07)
454.53
2679.16
(423.46) (1595.99)
454.53
3135.40
(698.77) (2044.66)
zlr
zlr
(609.80)
(99.75)
(609.80
(99.75)
11.82
(10.14)
11.82
(10.14)
512.87
(150.32)
512.87
(168.38)
2.72
(0.05)
2.72
(0.05)
(zlr)
zlr
zlr
zlr
zlr
(zlr)
zlr
zlr
zlr
zlr
zlr
zlr
zlr
zlr
(zlr) (1950.00)
(zlr) (1950.00)
(zlr) (1950.00)
(zlr) (1950.00)
370
Subsidiaries
Associates
& Joint
Venture
NIL
(NIL)
NIL
(NIL)
49.40
(70.90)
49.40
(73.20)
125.91
1443.18
(164.94)
(968.81)
212.85
1453.18
(175.21) (1059.57)
NIL
(NIL)
NIL
(NIL)
130.32
(118.07)
130.32
(118.07)
454.53
2679.16
(423.46) (1595.99)
454.53
3135.40
(698.77) (2044.66)
NIL
(609.80)
NIL
(609.80
NIL
(99.75)
NIL
(99.75)
11.82
(10.14)
11.82
(10.14)
512.87
(150.32)
512.87
(168.38)
2.72
(0.05)
2.72
(0.05)
NIL
(NIL)
NIL
(NIL)
NIL
NIL
(NIL) (1950.00)
NIL
NIL
(NIL) (1950.00)
NIL
NIL
(NIL) (1950.00)
NIL
NIL
(NIL) (1950.00)
zlr
(3.18)
zlr
(3.18)
Alr Sr rj uwi M oMr
zlr
zlr
(zlr)
zlr
(zlr)
NIL
(3.18)
NIL
(3.18)
NIL
(NIL)
NIL
(NIL)
NIL
(0.04)
NIL
(0.55)
0.02
(NIL)
0.02
(NIL)
(0.55)
0.02
(zlr)
0.02
(zlr)
S ore
13.11
(12.49)
95.48
(159.77)
Interest paid
13.11
(12.49)
95.48
(159.77)
mmi ore
26.48
(44.24)
283.59
(191.03)
Interest received
26.48
(44.24)
283.59
(191.03)
6.00
(8.24)
(zlr)
Dividend received
6.00
(8.24)
NIL
(NIL)
NIL
(20.00)
NIL
(NIL)
10.00
(30.00)
NIL
(NIL)
(0.04)
zlr
mmi spz
zlr
zlr
zlr
(20.00)
(zlr)
10.00
(30.00)
(zlr)
mS mqrq
98.74
(50.68)
zlr
(zlr)
Premium Paid
98.74
(50.68)
NIL
(NIL)
xu Emsok MUl
25.18
(37.74)
0.67
(2.38)
Rendering of Service
25.18
(37.74)
0.67
(2.38)
xuA M sL mS
49.97
(21.58)
0.02
(zlr)
49.97
(21.58)
0.02
(NIL)
72.05
(zlr)
zlr
(zlr)
72.05
(NIL)
NIL
(NIL)
zlr
9.
mi zrU Ael :
Particulars
67.04
371
2013-2014 2012-2013
58.77
67.04
DYuO zrUkUM M
MUh uw M sL lus
sp (`)
2630.17
MUQ
2969.71
MUQ
DYuO zrU
M pUi Axi
xZr
44.75 MUQ
44.30 MUQ
rj 31 qc, 2014
M oMr zrU
M xZr
46.13 MUQ
44.30 MUQ
mi zrU qs
u ilMi Ael
(M/Z) (`)
58.77
67.04
mi zrU lqq
qsr (`)
10/-
10/-
Particulars
2013-2014 2012-2013
Weighted Average
Number of Equity
Shares
No. of Shares
outstanding as on
31st March 2014
2630.17
Crore
2969.71
Crore
58.77
67.04
10/-
10/-
uuUh
Axjai MU Sri
zlr
zlr
854.69
656.53
283.62
277.53
zlr
zlr
60.06
54.32
zlr
0.74
zlr
zlr
1189.65
zlr
Alr
zlr
17.12
37.61
2.06
343.68
348.97
2081.95
659.33
N lMSMUh / EmSl
Acs Axir mU qsrx
372
Particulars
NIL
NIL
854.69
656.53
283.62
277.53
NIL
NIL
60.06
54.32
NIL
0.74
NIL
NIL
1189.65
NIL
Others
NIL
17.12
37.61
2.06
343.68
348.97
2081.95
659.33
(` MUQ q)
31.03.2013 31.03.2012
uuUh
luz u Ll m AD q qsrx M sL mukl
692.42
(371.31)
2152.72
1871.12
478.64
255.61
MU M sL mukl (Axjai MU )
652.49
819.56
(6.32)
361.46
8.00
21.00
Sz Gh eZq M sL mukl
7.00
NIL
417.58
90.16
4402.53
3047.60
Ll m L M mi mukl
Ms
11. Details of Provisions and Contingencies made during the year:
(` in Crore)
31.03.2014 31.03.2013
Particulars
Provision for Depreciation on Investment and NPI
692.42
(371.31)
2152.72
1871.12
478.64
255.61
652.49
819.56
(6.32)
361.46
8.00
21.00
7.00
NIL
417.58
90.16
4402.53
3047.60
373
(` MUQ q)
xqmi uw
PARTICULARS
31.03.2014 31.03.2013
11079.17
10788.38
20806.56
0.00
1039.73
43713.84
10294.45
9463.97
17223.41
0.00
395.69
37377.52
1463.00
1722.43
2946.74
0.00
0.00
6132.17
1115.81
1864.14
2705.43
0.00
0.00
5685.38
859.88
314.04
6992.05
3750.04
652.49
0.00
2589.52
5999.42
2228.03
819.56
0.00
2951.83
82.74
42.94
42.09
25.06
2630.17
2969.71
(` in Crore)
Year ended
31.03.2014
Segment Revenue
Treasury Operations
11079.17
Retail Banking Operations
10788.38
Wholesale Banking Operations 20806.56
Other Banking Operations
0.00
Unallocated
1039.73
Total
43713.84
II Segment Results
a Treasury Operations
1463.00
b Retail Banking Operations
1722.43
c Wholesale Banking Operations 2946.74
d Other Banking Operations
0.00
e Unallocated
0.00
Total
6132.17
Unallocated Income/
859.88
III
(Expenses)
IV Operating Profit
6992.05
V Provisions and Contingencies
3750.04
VI Income Tax
652.49
VII Extraordinary Items
0.00
VIII Net Profit for the Year
2589.52
Add:-Share of Earnings in
82.74
IX
Associates
Less:-Minority Interest
X
42.09
(Net Loss)
Consolidated Profit for the Year
XI
2630.17
attributable to the Group
Other Information
XII Segment Assets
a Treasury Operations
167100.83
b Retail Banking Operations
99619.98
c Wholesale Banking Operations 209370.03
d Other Banking Operations
0.00
e Unallocated Assets
19500.50
Total
495591.34
XIII Segment Liabilities
a Treasury Operations
51466.11
b Retail Banking Operations
183552.33
c Wholesale Banking Operations 199789.78
d Other Banking Operations
0.00
e Unallocated Liabilities
36105.11
f Capital and Reserves*
24678.01
Total
495591.34
I
a
b
c
d
e
167100.83 150904.28
99619.98 78711.04
209370.03 171294.18
0.00
0.00
19500.50 16381.53
495591.34 417291.03
51466.11 28855.45
183552.33 156299.98
199789.78 180253.80
0.00
0.00
36105.11 28738.61
24678.01 23143.19
495591.34 417291.03
(*mlqsrMl AUi lkr M NQMU)
374
31.03.2013
10294.45
9463.97
17223.41
0.00
395.69
37377.52
1115.81
1864.14
2705.43
0.00
0.00
5685.38
314.04
5999.42
2228.03
819.56
0.00
2951.83
42.94
25.06
2969.71
150904.28
78711.04
171294.18
0.00
16381.53
417291.03
28855.45
156299.98
180253.80
0.00
28738.61
23143.19
417291.03
pa Z-pasM ZhQ
uuUh
Particulars
31.03.2014 31.03.2013
M bUs mUcsl
Uexu
Axir
Axir
42648.64
36775.65
Revenue
458011.95 393092.93
Assets
Axir
42648.64
36775.65
458011.95 393092.93
b International Operations
1065.20
601.87
37579.39
24198.10
Revenue
Assets
a Ms
Uexu
31.03.2014 31.03.2013
a Domestic Operations
Z AiUr mUcsl
Uexu
Year ended
1065.20
601.87
37579.39
24198.10
43713.84
37377.52
c Total
43713.84
37377.52
Revenue
495591.34 417291.03
Assets
495591.34 417291.03
375
Lq cS zZU
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26 qD, 2014
V SUKUMAR
DIVISIONAL MANAGER
M CHANDRA SEKHAR
N SIVASANKARAN
ASSISTANT GENERAL MANAGER DEPUTY GENERAL MANAGER
R K DUBEY
CHAIRMAN & MANAGING DIRECTOR
N SELVARAJAN
GENERAL MANAGER
SUTANU SINHA
DIRECTOR
SAIRAM B. MOCHERLA
DIRECTOR
P S RAWAT
EXECUTIVE DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
V S KRISHNA KUMAR
EXECUTIVE DIRECTOR
G V MANIMARAN
DIRECTOR
SANJAY JAIN
DIRECTOR
For
P CHOPRA & Co.
Chartered Accountants
For
A R DAS & ASSOCIATES
Chartered Accountants
For
S C VASUDEVA & Co.
Chartered Accountants
For
VINAY KUMAR & Co.
Chartered Accountants
For
FORD RHODES PARKS & Co.
Chartered Accountants
RAKESH JAIN
Partner
PIYALI BASU
Partner
SANJAY VASUDEVA
Partner
NIKHIL SINGHAL
Partner
A D SHENOY
Partner
DELHI
MAY 26,2014
376
(B)
377
2630.17
2969.71
652.49
692.42
2152.72
478.64
428.10
229.89
819.56
(576.32)
1871.12
255.61
472.63
191.44
160.75
820.34
(672.11)
(2.33)
7571.08
15.06
730.56
(681.88)
(4.92)
6062.57
64919.04
9379.19
(7370.78)
(58890.26)
136.13
(352.45)
81.40
28790.59
4484.25
(20073.42)
(9707.02)
(1844.84)
1351.23
70.68
15473.35
1229.02
14244.33
9134.04
1123.69
8010.35
(29.68)
(540.53)
74.22
(495.99)
(91.67)
(214.46)
(149.73)
(455.86)
18.26
481.74
(2424.55)
(820.34)
(1026.59)
(3771.48)
--256.41
(730.56)
(568.64)
(1042.79)
115.51
115.51
20.77
20.77
10092.37
34779.21
6532.47
28246.74
44871.58
34779.21
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 re-grouped 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
pUir Ueu oM M xj lMS u zw / Cash & Balance with RBI
oM q zw u qa AU Asm xcl mU kl
Balances with Banks and Money at Call and Short Notice
Ms / Total
31.03.2014
22161.03
22710.55
31.03.2013
15414.99
19364.22
44871.58
34779.21
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26 qD, 2014
V SUKUMAR
DIVISIONAL MANAGER
M CHANDRA SEKHAR
ASSISTANT GENERAL MANAGER
N SIVASANKARAN
DEPUTY GENERAL MANAGER
N SELVARAJAN
GENERAL MANAGER
P S RAWAT
EXECUTIVE DIRECTOR
V S KRISHNA KUMAR
EXECUTIVE DIRECTOR
R K DUBEY
CHAIRMAN AND MANAGING
DIRECTOR
MEENA HEMCHANDRA
DIRECTOR
G V SAMBASIVA RAO
DIRECTOR
G V MANIMARAN
DIRECTOR
SUNIL HUKUMCHAND
KOCHETA
DIRECTOR
SUTANU SINHA
DIRECTOR
SAIRAM B. MOCHERLA
DIRECTOR
SANJAY JAIN
DIRECTOR
For
P CHOPRA & Co.
Chartered Accountants
RAKESH JAIN
Partner
For
For
A R DAS & ASSOCIATES S C VASUDEVA & Co.
Chartered Accountants Chartered Accountants
PIYALI BASU
Partner
SANJAY VASUDEVA
Partner
DELHI
MAY 26,2014
378
For
VINAY KUMAR & Co.
Chartered Accountants
For
FORD RHODES PARKS & Co.
Chartered Accountants
NIKHIL SINGHAL
Partner
A D SHENOY
Partner
mr zrUkUM
Dear Shareholder,
R K Dubey
Chairman & Managing Director
379
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4. Bhopal
5. Calicut
6. Chandigarh
7. Chennai
8. Coimbatore
9. Delhi
10.
11.
12.
13.
14.
15.
16.
17.
1. aQ xOs - qSU
1. WqmlM - qasU
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Kolkata
Madurai
18. Mangalore
19.
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21.
22.
23.
24.
25.
26.
27.
28.
29.
380
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
1. Arera Colony- Bhopal
1. West Hill - Calicut
2. Big Bazaar - Palakkad
1. 17-C - Chandigarh
2. BMC Chowk - Jallandhar
1. Habibulla Road - Chennai
2. Tenyampet-Chennai
3. Annanagar East - Chennai
1. R.S.Puram - Coimbatore
2. Alagapuram - Salem
3. Park Road - Erode
1. Connaught Circus - Delhi
2. Hauz Khas - Delhi
3. RK Puram - Delhi
1. Dispur - Guwahati
1. Margoa - Goa
1. Traffic Island - Hubli
1. Narayanguda - Hyderabad
1. Arvind Marg - Jaipur
1. Galleria Market - Gurgaon
1. L C Road - Kolkata
1. Grand Central - Madurai
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
Merut
1. Noida Main
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
3. Kottayam
Trichy
1. Thillai Nagar - Trichy
Vishakapatnam 1. Daba Gardens - Vishakapatnam
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381
ATTENDANCE SLIP
12th ANNUAL GENERAL MEETING - 21.07.2014
(to be surrendered at the time of entry)
Date:
Place: Bangalore
Signature of the Shareholder/
Proxy/Authorised Representative present
Regd. Folio
(If not dematerialised)
Name of the Shareholder
Number of Shares
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)
382
Mmr 15 mx
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cmML
mYx M WxiU
lq AU mi: ................................................................................
......................................................................................................
......................................................................................................
...................................................................................................
mjq lqi / LMs kUM M WxiU
383
Please affix
15 Paise
Revenue Stamp
.....................................................................................................................
Signature of Proxy
Name & Address:................................................
.....................................................................................................................
......................................................................................................
.....................................................................................................................
2.
3.
4.
5.
6.
7.
8.
9.
384