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7 fo"k; lwph Contents Pge No. uksfvl funs'kd fjiksvz izc/ku lc/kh fopkj&foe'kz,o fo'ys"k.k fuxfer lkekftd mùkjnkf;ro fjiksvz dkjksckj mùkjnkf;ro fjiksvz csly&ii ds vrxzr çdvhdj.k fuxfer 'kklu dh fjiksvz ys[kk ijh{kdks dk çek.ki= foùkh; fooj.k i= - rqyu&i= - ykhk&gkfu [kkrk - vuqlwfp;k - izeq[k ys[kk fof/k lc/kh uhfr;k - [kkrks ls lecfu/kr fviif.k;k - udnh çokg fooj.k&i= - ys[kk ijh{kdks dh fjiksvz lesfdr foùkh; fooj.k i= - rqyu&i= - ykhk&gkfu [kkrk - vuqlwfp;k - izeq[k ys[kk fof/k lc/kh uhfr;k - [kkrks ls lecfu/kr fviif.k;k - udnh çokg fooj.k&i= - ys[kk ijh{kdks dh fjiksvz ç Dlh QkeZ ykhkk'k ds fy, bz&øsfmv csd [kkrs dk C;kSjk QkeZ miflfkfr iphz lg ços'k ikl Notice 6-10 Directors' Report Mngement Discussion nd Anlysis Corporte Socil Responsibility Report Business Responsibility Report Disclosure under Bsel II Report on Corporte Governnce Auditors' Certificte 134 Finncil Sttements Blnce Sheet Profit & Loss Account Schedules Significnt Accounting Policies Notes on Accounts Csh Flow Sttement Auditors' Report Consolidted Finncil Sttements Blnce Sheet Profit & Loss Account Schedules Significnt Accounting Policies Notes on Accounts Csh Flow Sttement Auditors' Report Proxy Form E-credit mndte for Dividend/ Bnk Account Detils Form Attendnce Slip cum Entry Pss ys[kk ijh{kd cksjdj,o etwenkj th-,l-ek/ko jko,m deiuh fqyhiksl,m deiuh ds,u xqvxqfv;k,m deiuh lhohds,m,lksfl,v~l jes'k diwj,m deiuh AUDITORS Borkr & Muzumdr G. S. Mdhv Ro & Co. Phillipos & Co. K N Gutguti & Co. CVK & Assocites Rmesh Kpoor & Co. 'ks;j vrj.k,tsv chvy QkbZusf'k;y,M dei;wvj lfozflt ¼çk-½ fy- ^chvy gkml*] r`rh; ry] 99] enuxhj] yksdy 'k fix lsvj ds ihns] ubz fnyyh & Vsyh-u- QSDl % 011& bzesy% SHARE TRANSFER AGENT Beetl Finncil & Computer Services (P) Limited 'Beetl House', 3 rd Floor 99, Mdngir, Behind Locl Shopping Centre New Delhi Tel. No /82/83, Fx: e-mil: 5

8 itkc us'kuy csd ¼Hkkjr ljdkj dk miøe½ ç/kku dk;kzy;] 7 Hkhdk,th dkek Iysl] ubz fnyyh& ¼'ks;j fohkkx] foùk çhkkx] 5&lln ekxz] ubz fnyyh&110001½] bz esy : uksfvl,rí~okjk lwfpr fd;k tkrk gs fd itkc us'kuy csd ds 'ks;j/kkjdks dh 12oh okf"kzd vke csbd 'kfuokj] 29 twu] 2013 dks çkr% cts itkc us'kuy csd v fmvksfj;e] dsuæh; LVkQ dkyst] 8] vmjfgy jksm] flfoy ykbul] fnyyh & es vk;ksftr dh tk,xh ftles fueu dk;z fd;s tk;s xs %& 1-31 ekpz] 2013 dks lekir foùkh; o"kz ds fy, csd ds ys[kkijhf{kr rqyu i= vksj ykhk&gkfu ys[kk rfkk mä ys[kk vof/k ds fy, csd dh dk;zç.kkyh,o xfrfof/k;ks ij funs'kd emy dh fjiksvz rfkk rqyu&i=,o ys[kks ij ys[kk&ijh{kdks dh fjiksvz ij ppkz djuk] Lohdkj djuk,o viukuka 2- foùkh; o"kz 2012&13 ds fy, bfdovh 'ks;jks ij okf"kzd ykhkk'k dh?kks"k.kk djuka LFkku % ubz fnyyh fnukd % ¼ds-vkj-dker½ v/;{k,o çc/k funs'kd Punjb Ntionl Bnk (A Government of Indi Undertking) Hed Office: 7, Bhikhiji Cm Plce, New Delhi NOTICE Notice is hereby given tht the 12th Annul Generl Meeting of the Shreholders of PUNJAB NATIONAL BANK will be held on Sturdy, the 29th of June, 2013 t m. t Punjb Ntionl Bnk Auditorium, Centrl Stff College, 8, Underhill Rod, Civil Lines, Delhi , to trnsct the following business: 1. To discuss, pprove nd dopt the Audited Blnce Sheet nd Profit nd Loss Account of the Bnk for the yer ended 31 st Mrch 2013, the Report of the Bord of Directors on the working nd ctivities of the Bnk for the period covered by the Accounts nd the Auditor's Report on the Blnce Sheet nd Accounts. 2. To declre Annul Dividend on Equity Shres for the Finncil Yer Plce : New Delhi Dte : (K.R. Kmth) Chirmn nd Mnging Director 6

9 fviif.k;k % 1- ç Dlh dh fu;qfä csbd es miflfkr gksus vksj er nsus ds ik= 'ks;j/kkjd vius LFkku ij miflfkr gksus vksj er nsus gsrq ç Dlh fu;qä djus dk Hkh ik= rfkk,slh ç Dlh dk csd dk 'ks;j/kkjd gksuk vko';d ugh gs ysfdu,slh ç Dlh dks csbd es cksyus dk vf/kdkj ugh gksxka,slk dksbz Hkh O;fä tks csd dk dezpkjh ;k vf/kdkjh gs] ç Dlh ds :i es fu;qä ugh fd;k tk ldrka csbd es ç Dlh i= ds xkjvhdrkz dks oksv nsus dk vf/kdkj ugh gksxka ç Dlh ds :i es fu;qä dh tkus okyh fy[kr dks çhkkoh djus ds fy,] mls 'ks;j fohkkx] ç/kku dk;kzy; 5] lln ekxz] ubz fnyyh & es ] csbd dh rkjh[k ds de ls de 4 fnu iwoz vfkkzr~ lkseokj 24 twu] 2013 dks dkjksckjh le; dh lekfir vfkkzr~ lk; 5-00 cts rd tek dj nh tk,a ç Dlh QkeZ dk çk:i okf"kzd fjiksvz ds lkfk lyxu gsa 2- çkf/kñr çfrfuf/k dh fu;qfä dksbz Hkh,slk O;fä] fdlh fuxfer fudk; ds fof/kor~ çkf/kñr çfrfuf/k ds :i es ] rc rd csd dh csbd es miflfkr gksus ;k er nsus dk ik= ugh gksxk] tc rd ml csbd ] ftl es ;g ldyi ikfjr fd;k x;k gs] ds v/;{k }kjk fof/kor~ :i ls izkfèkñr çfrfuf/k ds :i es mls fu;qä djus okys ldyi dh lr;çfr ç/kku dk;kzy;] 5] lln ekxz] ubz fnyyh & es flfkr itkc us'kuy csd ds 'ks;j fohkkx] foùk çhkkx es ] csbd dh rkjh[k ds de ls de 4 fnu iwoz vfkkzr~ lkseokj] 24 twu] 2013 dks dkjksckjh le; dh lekfir vfkkzr~ lk; 5-00 cts rd tek dj nh tk,a,slk dksbz Hkh O;fä tks csd dk dezpkjh ;k vfèkdkjh gs] çfrfuf/k ds :i es fu;qä ugh fd;k tk ldrka 3- 'ks;j/kkjdks dk jftlvj cun gksuk okf"kzd vke csbd rfkk foùk o"kz 2012&13 ds fy,?kksf"kr fd, tkus okys okf"kzd ykhkk'k dh çkfir ds fy, 'ks;j/kkjdks ds ukeks dh ik=rk ds fu/kkzj.k gsrq csd ds 'ks;j/kkjdks dk jftlvj rfkk 'ks;j vrj.k iqlrds 'kfuokj ls 'kfuokj rd ¼nksuks fnu 'kkfey½ cn jgs xha 'kqøokj] fnukd 14 twu] 2013 vfkkzr~ cfg;ks ds cn gksus ds iwoz fnol rd çkir 'ks;j çek.k&i=ks lfgr vurj.k foys[k] vfre ykhkk'k dh ik=rk gsrq 'kkfey dj fy, tk,xsa 4- vfre ykhkk'k dk Hkqxrku funs'kd emy }kjk dks gqbz csbd es ;Fkk vuq'kflr okf"kzd ykhkk'k dh?kks"k.kk ;fn okf"kzd vke csbd es dj nh NOTES : 1. APPOINTMENT OF PROXY A shreholder entitled to ttend nd vote t the meeting, is entitled to ppoint proxy to ttend nd vote insted of himself/herself nd such proxy need not be shreholder of the Bnk but the proxy so ppointed shll not hve ny right to spek t the meeting. No person shll be ppointed s Proxy who is n officer or n employee of the Bnk. The grntor of n instrument of proxy shll not be entitled to vote in person t the meeting. The proxy in order to be effective, must be received by the Bnk t the Shre Deprtment, Finnce Division, Hed Office, 5, Snsd Mrg, New Delhi not less thn four dys before the dte of the meeting i.e. on or before the closing hours i.e p.m. of Mondy, the 24 th June, The formt of the proxy form is ttched with the Annul Report. 2. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE No person shll be entitled to ttend or vote t ny meeting s duly uthorized representtive of body corporte, unless copy of the resolution ppointing him/her s duly uthorized representtive, certified to be true copy by the Chirmn of the meeting t which it ws pssed, shll hve been deposited t the Shre Deprtment, Finnce Division, 5 Snsd Mrg, New Delhi , not less thn four dys before the dte of the meeting i.e. on or before the closing hours i.e p.m. of Mondy, the 24 th June, No person shll be ppointed s n uthorized representtive, who is n officer or n employee of the Bnk. 3. CLOSURE OF REGISTER OF SHAREHOLDERS The Register of Shreholders nd Shre Trnsfer Books of the Bnk will remin closed from Sturdy, the 15 th June 2013 to Sturdy, the 29th June 2013 (both dys inclusive) for the purpose of determining the eligibility of shreholders to ttend Annul Generl Meeting nd to receive the Annul Dividend for Finncil Yer to be declred by the Shreholders. The Trnsfer Deed(s) long with Shre Certificte(s) received upto (Fridy) i.e. the previous dy of strt of Book Closure shll be considered for entitlement of Shreholders to receive the Annul Dividend. 4. PAYMENT OF DIVIDEND Annul Dividend, s recommended by the Bord of Directors of the Bnk in its meeting held on , 7

10 tkrh gs] mu lhkh 'ks;j/kkjdks dks] tks csd ds 'ks;j/kkjdks ds jftlvj es vfkkzr~ cfg;ks ds cn gksus ds iwoz fnol dks ithñr gks xs] dks mldk Hkqxrku dks dj fn;k tk,xka 5- oksv dk vf/kdkj csfdx deiuh ¼miØeks dk vtzu,o vrj.k½ vf/kfu;e] 1970 dh /kkjk 3 ¼2bZ½ ds çko/kkuks ds vuqlj.k es csd dk dksbz Hkh 'ks;j/kkjd] dsuæ ljdkj ds vfrfjä] mlds }kjk /kkfjr 'ks;jks ds lc/k es csd ds lelr 'ks;j/kkjdks ds dqy oksv ds vf/kdkj ds 10% ls vf/kd oksfvx ds vf/kdkj dk gdnkj ugh gksxka ;fn dksbz 'ks;j nks ;k vf/kd O;fä;ks ds uke ij gs rks ftl O;fä dk uke jftlvj es igys ntz gksxk] mls oksv nsus ds lc/k es,dy /kkjd ekuk tk,xka 6- ykhkk'k ds Hkqxrku ds fy, bz&øsfmv [kkrs ds C;kSjs] irs es ifjorzu rfkk vu; fooj.k ¼d½ ewrz:i es 'ks;j/kkfjrk ewrz:i es 'ks;j/kkfjr djus okys 'ks;j/kkjdks ls vuqjks/k gs fd os vius irs es ifjorzu] csd [kkrs dk C;kSjk vfkkzr~ csd dk uke] 'kk[kk dk irk] [kkrk l[;k] dksm ¼tSlk fd psd es fn;k x;k gs ½,o bz&øsfmv vf/kns'k vkfn gekjs 'ks;j vrj.k,ts V vfkkzr~ chvy QkbZus f'k;y,m dei;wvj lfozflt ¼çk-½ fy-] chvy gkml] r`rh; ry] 99] enuxhj] yksdy 'k fix ls Vj ds ihns] ubz fnyyh & dks lwfpr djs rkfd os vius [kkrs es lh/ks ykhkk'k,o i=kpkj le; ij çkir dj lds A bz&øsfmv fooj.k QkeZ dk çk#i okf"kzd fjiksvz ds lkfk lyxu gs rfkk ;g csd dh osclkbzv vfkkzr~ ij Hkh miyc/k gsa ¼[k½bySDVª fud :i es 'ks;j/kkfjrk bysdvª fud :i es /kkfjr 'ks;jks ds ykhkkffkz;ks ls vuqjks/k gs fd os lqfuf'pr djs fd mudk irk] csd [kkrs dk C;kSjk vfkkzr~ csd dk uke] 'kk[kk irk] dksm tslk fd psd es fn;k x;k gs,o bz&øsfmv vf/kns'k vkfn muds fmikftvjh lghkkxh ¼Mhih½ ds ikl ls iwoz fof/kor~ v ru :i es ntz gs rkfd os vius [kkrs es ykhkk'k le; ij lh/ks çkir dj lds A ykhkkffkz;ks ls vuqjks/k gs fd os lqfuf'pr djs fd mudk irk] csd C;kSjs br;kfn fmi ftvjh lghkkfx;ks ds ikl fof/kor~ :i ls v ru gs rkfd os Hkfof"; es i=kpkj] okf"kzd fjiksvz] ykhkk'k br;kfn le; ij çkir dj ldsa 7- ykhkk'k ds fy, csd vf/kns'k ykhkk'k okjvks dh /kks[kk/km+h ls HkqukbZ ds ekeys es lj{k.k çkir djus dh n`f"v ls 'ks;j/kkjd viuk csd [kkrk l[;k] csd dk if declred t the Annul Generl Meeting, will be pid on , to those Shreholders whose nmes pper on the Register of Shreholders of the Bnk s on i.e the previous dy of strt of Book Closure. 5. VOTING RIGHTS In terms of provisions of Section 3(2E) of the Bnking Compnies (Acquisition nd trnsfer of undertkings) Act, 1970 no shreholder of the Bnk other thn Centrl Government shll be entitled to exercise voting rights in respect of the shres held by him in excess of 10% of the totl voting right of ll the shreholders of the Bnk. If ny shre stnds in the nme of two or more persons, the person first nmed in the register shll, s regrds voting, be deemed to be the sole holder thereof. 6. DIVIDEND MANDATE FOR E-CREDIT/BANK ACCOUNT DETAILS, CHANGE OF ADDRESS AND OTHER PARTICULARS ) Holding of shres in Physicl Form Shreholders holding shres in physicl form re requested to inform our Shre Trnsfer Agent i.e. Beetl Finncil & Computer Services (P) Limited (Unit: PNB) 'Beetl House', 3 rd Floor, 99, Mdngir, Behind Locl Shopping Centre, New Delhi , regrding the chnge of ddress, bnk ccount detils viz. nme of Bnk, Brnch Address, Bnk Account Number, MICR/IFS Code (s given on the cheque lef) nd e-credit mndte etc. so tht they receive dividend directly in their ccount. The formt for e-credit mndte/bnk detils form is enclosed with the Annul Report nd is lso vilble on Bnk's website b) Holding of shres in Electronic Form. Beneficil Owners holding shres in Electronic form re requested to ensure tht their ddress, Bnk detils viz. nme of Bnk, Brnch ddress, Bnk Account Number, MICR/IFS Code s given on the cheque nd e-credit mndte etc. re duly updted with their Depository Prticipnt (DP), before , so tht they receive dividend directly in their ccount. BENEFICIAL OWNERS ARE REQUESTED TO ENSURE THAT THE ADDRESS, BANK DETAILS, ETC. ARE DULY UPDATED WITH THEIR DEPOSITORY PARTICIPANTS SO THAT THEY MAY RECEIVE THE COMMUNICATION, ANNUAL REPORT, DIVIDEND ETC. IN TIME, IN FUTURE. 7. BANK MANDATE FOR DIVIDEND In order to get protection from frudulent encshment of dividend wrrnts, shreholders my furnish their 8

11 uke,o 'kk[kk br;kfn csd dks ns rkfd ;s fooj.k 'ks;j/kkjd ds uke ds lkfk ykhkk'k okjv ds psd Hkkx ij eqfær gks lds A mi;qzä C;kSjk 'ks;j /kkjd }kjk lh/ks fueufyf[kr dks fn;k tk, % i. 'ks;j vrj.k,tsv dks Qksfy;ks uecj nsrs gq,] ;fn 'ks;jèkkjd ewrz 'ks;j /kkfjr djrk gsa ii- fmi ftvjh lghkkxh ¼Mhih½ dks Mhih vkbzmh uecj,o xzkgd vkbzmh uecj nsrs gq, ;fn 'ks;j/kkjd bysdvªkwfud :i es 'ks;j /kkfjr djrk gsa 8- ykhkk'k dk çkir u gksuk foxr es csd ds dqn ykhkk'k okjv fofhkuu dkj.kks ls vforfjr okfil çkir gq, gsa fofhkuu foùk o"kks Z ds ykhkk'k [kkrks es foùk o"kz 2004&05 ¼vfre½ ls Hkh dqn jkf'k fcuk im+h gqbz gs A vr% ftu 'ks;j/kkjdks dks ykhkk'k çkir ugh gqvk gs] muls vuqjks/k gs fd os 'ks;j vrj.k,ts V ls leidz djds mugs viuk uohure irk] u-] Qksfy;ks vkbzmh,o xzkgd vkbzmh rfkk csd dk C;kSjk vfkkzr~ csd dk uke] 'kk[kk dk irk] csd [kkrk l[;k,o vkbz,q,l dksm br;kfn ns A 'ks;j/kkjd Ñi;k uksv djs fd lkfof/kd çko/kkuks ds vuqlkj] ;fn ykhkk'k jkf'k ns; frffk ls 7 o"kksz rd fcuk Hkqxrku nkok ds jgrh gs] rc Hkqxrku u dh xbz dffkr jkf'k Hkkjr ljdkj }kjk xfbr fuos'kd f'k{k.k,o lj{k.k QM ¼vkbZbZih,Q½ es vrfjr djuh gksrh gsa vr% foùk o"kz 2004&05 ¼vfre½] 2005&06¼vrfje½,o 2005&06¼vfre½ ds fy, ykhkk'k [kkrs es jkf'k vkbzbzih,q dks vrfjr dj nh tk;sxha vr% os 'ks;j/kkjd ftugs mä ykhkk'k çkir ugh gqvk gs] muls vuqjks/k gs fd os blds fy, viuk nkok rd çlrqr djsa muls vuqjks/k çkir gksus ij csd mugs ns; jkf'k dk Hkqxrku dj nsxk A Ñi;k uksv djs fd vçnùk jkf'k ds vkbzbzih,q [kkrs es vrj.k ds i'pkr~ csd ds ;k vkbzbzih,q ds fo#) dksbz O;fäxr nkok ugh fd;k tk ldsxka ykhkk'kks dh o"kzokj lwph csd ds osclkbv ds ^buoslvlz buqks^ ds vrxzr viyksm gsa 9- 'ks;j/kkjdks ls vuqjks/k ¼d½ 'ks;j/kkjdks dks lwfpr fd;k tkrk gs fd okf"kzd fjiksvz dh çfr;k okf"kzd vke csbd ds LFky ij forfjr ugh dh tk,xh A vr% çfrfuf/k;ks ls vuqjks/k gs fd os,rí~okjk Hksth tk jgh okf"kzd fjiksvz dh viuh çfr vius lkfk yk,a okf"kzd fjiksvz] ifjf'k"v lfgr csd dh osclkbv ij Hkh miyc/k djk;h tk jgh gsa ¼[k½ 'ks;j/kkjd Ñi;k uksv djs fd csbd LFky ij dksbz forfjr ugh fd;k tk,xka bnk ccount number, the nme of the bnk nd the brnch etc. so tht these prticulrs re printed on the cheque portion of the dividend wrrnts, besides the nme of the shreholder. The sid detils should be furnished by the first/sole shreholder directly to: (i) Shre Trnsfer Agent quoting the folio No., in cse of shreholders holding physicl shres. (ii) Depository Prticipnt (DP) quoting their DP ID No. nd Client ID No. in cse of shreholders holding shres in electronic form. 8. NON RECEIPT OF DIVIDEND Bnk hs received bck some undelivered dividend wrrnts in the pst due to vrious resons viz. wrong/ incomplete ddresses, chnge of ddress etc. As such certin dividend mount is lying in Unpid/Unclimed Dividend Accounts since finncil yer (Finl). Shreholders, who hve not received/climed dividend(s) for erlier yers re requested to contct Shre Trnsfer Agent by giving their ltest ddress, Folio No./ DP-ID & Client ID nd Bnk detils viz. Bnk nme, brnch ddress, Bnk ccount no. nd IFS code, Mobile/ Telephone No. etc. for relese of the mount. Shreholders should note tht s per sttutory provisions, if the dividend mount remins unpid/ unclimed for 7 yers from the due dte, the sid unpid/unclimed mount hs to be trnsferred to Investor Eduction & Protection Fund (IEPF) set up by Centrl Government. As such, the unpid/unclimed mount in Dividend Accounts FY (Finl), (Interim) & (Finl) hs to be trnsferred to IEPF. Shreholders who hve not received/climed the sid dividend(s) re requested to clim the sme before The Bnk will remit the mount to them on receipt of their request. Plese note tht once the unpid mount is trnsferred to IEPF, no individul clim shll lie ginst the Bnk. Yer-wise list of unpid/unclimed dividend is uploded on Bnk's website under 'Investors' Info'. 9. REQUEST TO SHAREHOLDERS ) Plese note tht copies of the Annul Report will not be distributed t the venue of the meeting. Shreholders/Proxyholders/Authorized Representtives re, therefore, requested to bring their copies of the Annul Report to the meeting. The Annul Report long with formts is being posted on the Bnk's Website t b) Shreholders my kindly note tht no gift/gift coupon will be distributed t the meeting. 9

12 ¼x½ dm+ s lqj{kk dkj.kks ls v MhVksfj;e ds vnj] czhqdsl] [kkus dk lkeku,o vu; olrq, ys tkus dh vuqefr ugh gsa csbd es Hkkx ysus okys O;fä;ks dks lykg nh tkrh gs fd os vius lkeku dh lqj{kk ds fy, Lo; O;oLFkk djs A ¼?k½ Ñi;k v fmvksfj;e ds vunj viuk eksckbzy Qksu cun j[ksa 10- miflfkfr iphz rfkk ços'k ikl 'ks;j/kkjdks dh lqfo/kk ds fy, miflfkfr iphz lg ços'k ikl bl okf"kzd fjiksvz ds lkfk lyxu gsa çfrfuf/k;ks ls vuqjks/k gs fd os miflfkfr iphz lg ços'k ikl es mfpr LFkku ij vius glrk{kj djs rfkk okf"kzd vke csbd es bls lqiqnz djs A 11- gfjr igy Hkkjr ljdkj ds funsz'kks ds vrxzr gfjr igy ds Hkkx ds :i es csd us rqyu&i=,o ykhk&gkfu [kkrs dk lf{kir ikvz lhkh 'ks;j/kkjdks dks çsf"kr fd;k gs ftugksus lk V dkwih vius bz&esy irs dk fodyi ugh fn;k gsa os 'ks;j/kkjd tks iw.kz okf"kzd fjiksvz çkir djuk pkgrs gs] muls vuqjks/k gs fd os bls gekjh osclkbv ¼buosLVj buqks½ ls MkÅuyksM dj ldrs gs vfkok bl lc/k es gekjs 'ks;j vrj.k,ts V dks fy[k ldrs gsa c) Due to security resons brief cses, etbles & other belongings re not llowed inside the uditorium. Persons ttending the meeting re therefore dvised to mke their own rrngements for sfe keeping of their rticles. d) Kindly keep the mobile phone switched off inside the uditorium. 10. ATTENDANCE SLIP - CUM - ENTRY PASS For the convenience of the shreholders, Attendnce Slip-cum-Entry Pss is ttched to the Annul Report. Shreholders/Proxy holders/ Authorized Representtives re requested to ffix their signtures t the spce provided therein nd surrender the sme t the AGM venue. 11. GREEN INITIATIVE As prt of green inititive under directions of the Government of Indi, the Bnk hs disptched bridged version of Blnce Sheet nd Profit & Loss Account to ll shreholders who hve not opted for soft copy/ provided their emil ddress. Those shreholders who desire to hve full nd complete Annul Report re requested to down lod the sme from our web site (Investors' Info) or write to our Shre Trnsfer Agent in this regrd. 10

13

14 Key Business Prmeters (As on 31 st Mrch) 12

15 Asset Qulity Productivity Shreholding Pttern (As on 31st Mrch'13) 13

16 izxfr %,d utj es Progress t Glnce ¼jkf'k djksm+ ` es½ (Amount in ` crore) Ø-l- isjkehvj foùk o"kz 09 foùk o"kz 10 foùk o"kz 11 foùk o"kz 12 foùk o"kz 13 Sl. PARAMETERS FY'09 FY'10 FY'11 FY'12 FY'13 1. iwth Cpitl 2. fjtoz o ljiyl Reserves & Surplus 3. tekjkf'k;k Deposits 4. vfxze Advnces 5. dqy dkjksckj Totl Business 6. dqy ifjleifùk;k Totl Assets 7. fuos'k Investment 8. dqy 'kk[kk, Totl Brnches* 9. ifjpkyu ykhk Operting Profit 10. dqy çko/kku Totl Provisions 11. 'kq) ykhk Net Profit 12. ¼yk[k `½ Business/Employee (` lkh) 13. ¼yk[k `½ Profit/Employee (` lkh) 14. _.k&tek vuqikr ¼%½ Credit-Deposit Rtio (%) 15. tekjkf'k;ks dh ykxr ¼%½ Cost of Deposit (%) 16. vfxzeks ij vk; ¼%½ Yield on Advnces (%) 17. fuos'k ij çkfir ¼%½ Yield on Investments (%) 18. 'kq) C;kt ekftzu ¼%½ Net Interest Mrgin (%) 19. ifjleifùk;ks ij çfrqy ¼%½ Return on Assets (%) 20. ykxr vk; vuqikr ¼%½ Cost to Income Rtio (%) 21. ldy,uih, ¼%½ Gross NPAs (%) 22. 'kq),uih, ¼%½ Net NPAs (%) 23. iwth i;kzirrk vuqikr ¼csly II½ ¼%½ Cpitl Adequcy Rtio (Bsel II)(%) fv;j I Tier I fv;j II Tier II 24. ykhkk'k ¼%½ # Dividend (%) * folrkj ivy lfgr rfkk fons'kh 'kk[kkvks dks NksM+dj Including Extension Counters nd excluding Overses Brnches. # çlrkfor Proposed 14

17 funs'kd fjiksvz lhkh lnl; ih,uch us foùkh; o"kz 2013 ds lef"v vfkz'kkl=h; okrkoj.k dh pquksrh ds ckotwn lrks"ktud dk;zfu"iknu fd;k gs A csd 8 djksm+ ls T;knk leekfur xzkgdks ds lkfk vxz.kh jk"vªh; csd cuk gqvk gsa foùkh; o"kz 2013 ds nksjku] csd us ` 7 yk[k djksm+ dk dkjksckj] ` 3 yk[k djksm+ ds 'kq) vfxzeks ] ` 3 yk[k djksm+ dh dqy?kjsyw dksj tekjkf'k;ks] ` 1-50 yk[k djksm+ dklk tekjkf'k;ks rfkk ` 30]000 djksm+ usvofkz ds fofo/k u;s dhfrzekuks dks ikj fd;k gsa bl dk;z fu"iknu es mppre 'kq) C;kt ekftzu] bfdovh es yxkrkj mppre fjvuz] çfr 'ks;j vfdr ewy; rfkk ewy; ls vk; vuqikr 'kkfey gs A ;g çhkko'kkyh dk;zfu"iknu [kqnjk ij tksj nsus ds lkfk ^,d csgrj xzkgd vuqhko dk fuekz.k djus],l,ebz] Ñf"k] fo kffkz;ks ] cs fdx ds fy, O;kid n`f"vdks.k] ykxr çhkkoh lxbukred <kpk] csgrj vkflr ns;rk çcu/ku] foosdiw.kz tksf[ke çcu/ku] olwyh çfø;k dks etcwr djus rfkk fofhkuu ykxr fu;=.k mik;ks ij è;ku dsfuær djus ds dkj.k gqvk gsa vkt ih,uch dh ns'khkj es 5800 ls vf/kd 'kk[kk, rfkk 6000 ls vfèkd,vh,e gs tks blds 8 djksm+ xzkgdks dks fof'k"v csfdx vuqhko çnku djrs gsa blls csd us,d etcwr QM bfdovh rfkk xzkgdks dh fu"bk vftzr dh gsa xzkgd vuqhko dks ubz ÅWpkb;ks ij ys tkus gsrq] csd us fofo/k iqu#)kj xfrfof/k; vkjhk dh gs mnkgj.klo:i dsuæhñr lkoztfud f'kdk;r fuokj.k r=] xzkgd lsok vf/kdkjh dh fu;qfä tks xzkgdks dh f'kdk;rks ds lek/kku gsrq vkrfjd yksdiky ds :i es dk;z djs xsa cktkj }kjk bl vuqdj.kh; dk;zfu"iknu dks fof/kor eku;rk çkir gqbz gsa foùkh; o"kz 2013 ds nksjku] csd dks lh,uchlh Vhoh 18 }kjk ^lozjs"b lkoztfud {ks= ds csd* ds :i es igpku nh xbza csd dks fctusl oymz,m ih MCY;w lh }kjk yxkrkj nwljh ckj ^^lokzfèkd lkekftd mùkjnk;h csd** ds :i es Hkh leekfur fd;k x;ka n lms fq+ufot us ^^Ñf"k _.k ¼o`gn½ es lozjs"b csdj** ds :i es leekfur fd;ka gky gh es ] ih,uch dks lw{e] y?kq vksj eè;e m e e=ky;] Hkkjr ljdkj }kjk mùkj vpy es dsohvkbzlh dh ih,ebzthih ;kstuk ds vrxzr _.k çnku djus es Js"B çn'kzu gsrq jk"vªh; iqjldkj ls leekfur fd;k x;ka funs'kd llfkku }kjk csd dks ^^xksymu fidkwd fctusl,dlys l vokmz 2013** ds iqjldkj ls uokt+k x;ka blls c<+dj] csd dks okf.kft;d cqf)eùkk ds lozjs"b mi;ksx rfkk ^lozjs"b tksf[ke çcuèku rfkk lqj{kk igy* dh Js.kh ds vrxzr vkbzch, csfdx izks ksfxdh iqjldkj 2012 ls Hkh leekfur fd;k x;ka bl i`"bhkwfe es ] vkids funs'kd lg"kz o"kz 2012&13 ds fy, csd dh okf"kzd fjiksvz mlds ys[kk ijhf{kr okf"kzd foùkh; ifj.kkeks ds lkfk çlrqr dj jgs gsa DIRECTORS' REPORT To The Members PNB hs delivered stisfctory performnce during FY'13 despite chllenging mcroeconomic environment. Bnk continued to be one of the leding ntionlized bnks with more thn 80 million vlued customers. During the FY'13, Bnk hs crossed vrious new lndmrks of ` 7 lkh crore Business, ` 3 lkh crore Net Advnces, ` 3 lkh crore Totl Domestic Core Deposits, ` 1.50 lkh crore CASA Deposits nd ` 30,000 crore Networth. This performnce is combined with the highest Net Interest Mrgin, consistently higher Return on Equity, Book Vlue per shre nd Price to Ernings rtio. This performnce ws lrgely due to the Bnk's focus on 'Building Superior Customer Experience' with thrust on Retil, SMEs, Agriculture, Inclusive pproch to Bnking, Cost effective Orgniztionl Structure, Better Asset Libility Mngement, prudent Risk Mngement, strengthening Recovery Mechnisms nd vrious Cost Control Mesures. Tody, PNB hs countrywide presence with network of more thn 5800 brnches nd more thn 6000 ATMs tht provide its 80 million customers unique bnking experience. This hs lso erned the Bnk strong brnd equity nd customers' loylty. Further to tke the customer experience to new heights, Bnk hs initited number of revitliztion ctivities such s Centrlized Public Grievnces Redressl Mechnism nd ppointment of Chief Customer Service Officer who will work s Internl Ombudsmn for resolution of customers' grievnces. The exemplry performnce hs been duly recognized by the mrket. During the FY'13, Bnk hs been recognized s the "Best Public sector Bnk" by CNBC TV 18. The Bnk hs lso been recognised s the 'Most Socilly Responsive Bnk' consecutively for second yer by Business World nd PwC. Further, The Sundy FINWIZ 2012 finds Bnk the "Best Bnker in Agriculture Credit (Lrge)". PNB hs recently been conferred with Ntionl Awrd for excellent performnce in lending under PMEGP Scheme of KVIC in North Zone by MSME Ministry, GOI. Bnk hs been wrded "Golden Pecock Business Excellence Awrd 2013" by Institute of Directors. Aprt from this, the Bnk hs lso been bestowed the IBA Bnking Technology Awrds 2012 under the ctegories of "Best Use of Business Intelligence" nd "Best Risk Mngement nd Security Inititives". In this bckdrop, your Directors tke plesure in plcing the Bnk's Annul Report for long with its udited nnul finncil sttements. 15

18 gekjk dk;z fu"iknu OUR PERFORMANCE 1. foùkh; HIGHLIGHTS 1.1. rqyu SHEET (` crore) o`f) ¼%½ Growth (%) iwth,o çkjf{kr fuf/k Cpitl nd Reserves dqy dkjksckj Totl Business tekjkf'k;k Deposits U;wu ykxr tekjkf'k;k ¼cpr,o pkyw½ Low cost Deposits (Svings nd Current) vfxze Advnces [kqnjk _.k Retil Credit çkfkfedrk {ks= _.k Priority Sector Credit Ñf"k _.k Agriculturl Credit 1.2. ( ` crore) fooj.k foùk o"kz foùk o"kz o`f) ¼%½ PARTICULARS FY FY Growth (%) ifjpkyu ykhk Operting Profit çko/kku Provisions 'kq) ykhk Net Profit 16

19 1.3 & EXPENDITURE (` crore) fooj.k foùk o"kz foùk o"kz o`f) ¼%½ PARTICULARS FY FY Growth (%) C;kt vk; Interest Income - ij Interest/discount on dvnces/bills - fuos'kks ij vk; Income on Investments xsj&c;kt vk; Non-Interest Income deh'ku],dlpst o czksdjst Commission, Exchnge nd Brokerge 'kq) C;kt vk; Net Interest Income dqy vk; Totl Income C;kt O;; Interest Expended - tekjkf'k;ks ij çnùk C;kt Interest pid on deposits dqy ifjpkyuxr O;; Totl Operting Expenses - LFkkiuk O;; Estblishment Expenses dqy O;; Totl Expenses 17

20 1.4. izeq[k vuqikr 1.4. KEY RATIOS fooj.k PARTICULARS fuf/k;ks dh ykxr Cost of Funds fuf/k;ks ij çfrqy Yield on Funds bfdovh ij çfrqy Return on Equity 'kq) C;kt ekftzu Net Interest Mrgin vkflr;ks ij çfrqy Return on Assets ykxr&vk; vuqikr Cost to Income Rtio vkslr dk;z'khy fuf/k;ks dh rqyuk es ifjpkyu O;; Operting Expenses to Averge Working Funds vkslr dk;z'khy iwth dh rqyuk es ifjpkyuxr ykhk Operting Profit to Averge Working Funds çfr 'ks;j vk; ¼`½ Ernings per shre (`) çfr 'ks;j cgh ewy; ¼`½ Book vlue per shre (`) 'kq),u-ih-, dk 'kq) vfxzeks ls vuqikr Rtio of Net NPAs to Net dvnces,uih, dojst vuqikr NPA coverge rtio lhvkj,vkj&csly II CRAR - Bsel II 2- ifjpkyukred fo'ks"krk, cs d dh ih,uch çxfr&lxbukrekd :ikrj.k vh;kl ds vurxzr] ifjpkyu mrñ"vrk rhu LrEHkks es ls,d egroiw.kz LrEHk gs ftl ij ;g dk;zøe vk/kkfjr gsa csd us esvykbq bfm;k b';ksjs l deiuh fyfevsm es 30% fgllsnkjh çkir djus ds ckn ih,uch esvykbq bfm;k b';ksjs l fyfevsm dh LFkkiuk }kjk viuh leifùk çcu/ku lsokvks es folrkj fd;k gsa 2. OPERATIONAL HIGHLIGHTS Under PNB Prgti-Orgniztionl Trnsformtionl Exercise of the Bnk, opertionl excellence is one of the importnt pillrs mongst three pillrs on which this progrmme stnds. The Bnk hs expnded its Welth Mngement Services by forming PNB MetLife Indi Insurnce Co. Ltd. fter cquiring 30% stke in MetLife Indi Insurnce Compny Ltd. 18

21 csd us ckæk dqykz dkweiysdl] eqecbz es vius,dhñr dks"k dk;kzy;,o emy dk;kzy; ds fy, ^ih,uch çxfr Vkoj* uke ds fuxfer dk;kzy; Hkou dh LFkkiuk dha csd us viuh vrjkz"vªh; miflfkfr dk 10ok folrkj flmuh] vklvsªfy;k ds #i es fd;k gsa blds vykok csd eky}hi] nf{k.kh výhdk] cxykns'k] E;kekj] vksj flxkiqj es miflfkfr LFkkfir djus dh lhkkouk, [kkst jgk gsa csd vius mriknks,o lsokvks es yxkrkj o`f) dj jgk gs] ih,uch :is dkmz bl fn'kk es,slk gh,d dne gsa csd us ih,uch,dlçsl euh jsfev dkmz dk 'kqhkkjhk fd;k vksj e/; iwoz ls vkod çs"k.k ds ykhkkffkz;ks ds fy, yxhkx dkmz vhkh rd tkjh fd;s x;s gs A csd us ekstwnk ;kstukvks dks l'kksf/kr Hkh fd;k gs,o xzkgdks dh c<+ jgh vkdk{kkvks dks iwjk djus ds fy, _.kks dh vusd ubz ;kstukvks dh 'kq:vkr dh gs A 3- ykhkk'k funs'kd emy us o"kz 2012&13 ds fy;s 270% ds ykhkk'k dh flqkfj'k dh gs A 4- d jiksjsv xouszl lhkh LVsd gksymjks ds fgrks dh j{kk ds fy, ikjnf'kzrk vksj mùkjnkf;ro ds mpp fl)krks dk vuqikyu djrs gq, csd d jiksjsv xouszul es lokszùke O;ogkjks ds fy;s çfrc) gsa,d lwphc) bz&dkmz ds :i es ] csd fofhkuu fu;ked vko';drkvks,o d jiksjsv xous Zl ls lecfu/kr ekeyks ij ljdkjh fn'kkfunsz'kks dk vuqikyu dj jgk gs ftldh lkfof/kd dsuæh; ys[kk ijh{kdks }kjk tk p dh xbz gsa ih,uch mu ijijkvks dk ikyu djrk gs tks blds foùkh; fgllsnkjks dks d jiksjsv xouszul dh xq.koùkk ij mpplrjh; vk'oklu nsrh gsa bu lokszùke O;ogkjks dh çfriqf"v jsfvx,tslh bøk fy0 dh lhthvkj&2 }kjk gksrh gs tksfd csd dh d jiksjsv xous Zl dh xq.koùkk ij vfhkdfku ds mpp Lrj dks çnf'kzr djrk gsa 5- funs'kd emy o"kz 2012&13 ds nksjku] funs'kd emy ds xbu es fueufyf[kr ifjorzu gq, gs % Jh,l- vkj- cly dks fnukd dks cs d ds dk;zikyd funs'kd ds :i es fu;qä fd;k x;ka Jh tlchj flg ds LFkku ij Jh,u-,l- fo'oukfku dks fnukd dks Hkkjrh; fjt+oz csd ds ukfer funs'kd ds :i es fu;qä fd;k x;ka The Bnk hs set up its Corporte Office Building nmed 'PNB Prgti Tower' housing the integrted Tresury office nd Circle Office t Bndr Kurl Complex, Mumbi. The Bnk hs expnded its interntionl presence to Sydney, Austrli its 10 th interntionl destintion. Further, the Bnk is exploring possibilities for estblishing its presence in Mldives, South Afric, Bngldesh, Mynmr nd Singpore. The Bnk is stedily dding to the kitty of its products nd services. PNB RuPy Crd is one such step in this direction. The Bnk hs lunched PNB Express Money Remit Crd nd pproximtely 15,000 crds hve been issued so fr to beneficiries of Inwrd remittnce from Middle Est. The Bnk lso modified the existing schemes nd lunched severl new schemes of lons for meeting the growing spirtions of customers. 3. DIVIDEND The Bord of Directors hs recommended dividend of 270% for the yer CORPORATE GOVERNANCE The Bnk is committed to best prctices in corporte governnce by dhering to high stndrds of trnsprency nd ccountbility in the interests of ll the stkeholders. As listed entity, the Bnk is complying with vrious regultory requirements nd with the government guidelines on the mtters relting to corporte governnce, which hs been exmined by the Sttutory Centrl Auditors. PNB follows prctices tht provide its finncil stkeholders high level of ssurnce on the qulity of corporte governnce. These best prctices re reffirmed by CGR-2 rting of the rting gency, ICRA Ltd., reflecting high level of ssertion on the qulity of corporte governnce of the Bnk. 5. BOARD OF DIRECTORS During the Yer , the following chnges took plce in the composition of Bord of Directors: Shri S.R. Bnsl ws ppointed s n Executive Director of the Bnk on Shri N.S. Vishwnthn ws ppointed in plce of Shri Jsbir Singh s RBI Nominee Director on

22 6-31 ekpz 2013 rd vk;ksftr fofhkuu csbdks dk fooj.k % Ø- csbd vk;ksftr Ø- csbd vk;ksftr l csbdks l- csbdks dh l[;k dh l[;k 1 cksmz dh csbd 'ks;j vrj.k 25 lfefr 2 çc/k lfefr fuos'kdks dh f'kdk;r lfefr 3 lrdzrk vksj 4 13 funs'kd inksuufr 3 xsj&lrdzrk ekeyks dh leh{kk lfefr djus ds fy;s funs'kdks dh lfefr 4 cksmz dh ys[kk ijh{kk vihyh;,o leh{kk lfefr çkf/kdj.k & 5 tksf[ke çc/ku 4 15 fotu 2013 ds fy, 4 lpkyu lfefr 6 ` 1-00 djksm+ vksj 9 16 ukekdu lfefr & mlls vf/kd dh jkf'k okys /kks[kk/km+h ds ekeyks dh fuxjkuh vksj vuqorhz dkjzokbz djus ds fy;s cksmz dh fo'ks"k lfefr 7 cksmz dh vkbz Vh lfefr 4 17 chek l;qdr miøe & lfefr 8 ih-,- lfefr 9 18 ç/kku dk;kzy; _.k 40 vuqeksnu lfefr Lrj&AAA 9 ikfjjfed lfefr 2 19 'ks;j/kkjd funs'kdks & dk pquko lkoztfud {ks= csdks }kjk oksv 10 xzkgd lsok lfefr 4 20 olwyh es çxfr dh 1 fuxjkuh ds fy, cksmz lfefr Jh,e- ih- flg] dkexkj dezpkjh funs'kd ds :i es dks viuk dk;zdky ds iwjk gksus ij csd ds funs'kd emy es ugh jgsa csd ds cksmz es dkexkj dezpkjh funs'kd ds :i es Jh Vh lh >ykuh dh fu;qfä vf/klwpuk fnukd ds ek/;e ls gqbza Jh çnhi dqekj xsj dkexkj dezpkjh funs'kd ds :i es cksmz dk;zdky iw.kz gksus ij ls funs'kd emy es ugh jgsa funs'kd emy us Jh,l vkj cly] dk;zikyd funs'kd] Jh,u-,l- fo'oukfku] Hkkjrh; fjtoz csd ukfer funs'kd,o Jh Vh lh >ykuh] dkexkj dezpkjh funs'kd ds :i es csd ds funs'kd emy es Lokxr fd;ka cksmz Jh tlchj flg] vkj ch vkbz ukfer funs'kd] Jh,e-ih- flg] dkexkj dezpkjh funs'kd,o Jh çnhi dqekj xsj dkexkj dezpkjh funs'kd ds }kjk çnku dh xbz mrñ"v lsokvks dh ljkguk dha 6. Detils of vrious meetings held up to 31st Mrch, 2013: S. Meeting Number of S. Meeting Number of No. meetings No. meetings held held 1 Bord Meeting Shre Trnsfer 25 Committee 2 Mngement Shreholders'/ 6 Committee Investors' Grievnces Committee 3 Committee of 4 13 Directors Promotion 3 Directors to review Committee vigilnce nd non-vigilnce cses 4 Audit Committee Appellte nd - of Bord Reviewing Authority 5 Risk Mngement 4 15 Steering Committee 4 Vision Specil Committee 9 16 Nomintion Committee - of Bord to Monitor nd Follow Frud cses of ` 1.00 crore nd bove 7 IT Committee of the 4 17 Insurnce Joint - Bord Venture Committee 8 P.A. Committee 9 18 Hed Office 40 Credit Approvl Committee Level-III 9 Remunertion 2 19 Election of - Committee Shreholders Directors - Voting by Public Sector Bnks 10 Customer Service 4 20 Committee of 1 Committee Bord to monitor the progress in recovery Shri M.P. Singh cesed to be Workmen Employee Director on on completion of his tenure on the Bord of the Bnk. Shri T.C. Jhlni ws ppointed s Workmen Employee Director on the Bord of the Bnk vide notifiction dted Shri Prdeep Kumr cesed to be Non Workmen Employee Director on on completion of his tenure on the Bord of the Bnk. The Bord welcomed Shri S.R. Bnsl, Executive Director, Shri N.S. Vishwnthn, RBI Nominee Director nd Shri T.C. Jhlni, s Workmen Employee Director on the Bord of Directors of the Bnk. The Bord lso wishes to plce on record its pprecition for the vluble contribution mde by Shri Jsbir Singh, RBI Nominee Director, Shri M.P. Singh, Workmen Employee Director nd Shri Prdeep Kumr s Non-workmen Employee Director. 20

23 7- vkhkkj csd dk funs'kd emy Hkkjr ljdkj] Hkkjrh; fjtoz csd] Hkkjrh; çfrhkwfr,o fofue; cksmz] LV d,dlps t] csd ds xzkgdks ] turk vksj 'ks;j/kkjdks dks muds cgqewy; lg;ksx] csd es fujurj lj{k.k vksj fo'okl j[kus ds fy;s /ku;okn nsrk gsa funs'kd e.my csd ds lelr Lrjks ds LVkQ lnl;ks ds }kjk vewy; ;ksxnku ds fy;s mudh ç'klk djrk gs vksj vk'kk djrk gs dh Hkkoh y{;ks dks iwjk djus es viuk fujurj lg;ksx ns xsa 7. ACKNOWLEDGEMENTS The Bord of Directors thnks the Government of Indi, Reserve Bnk of Indi, Securities nd Exchnge Bord of Indi, Stock Exchnges, Bnk's customers, public nd the shreholders for the vluble support, continued ptronge nd confidence reposed in the Bnk. The Bord wishes to plce on record its pprecition for the vluble contribution mde by the members of the Bnk's stff t ll levels nd look forwrd to their continued involvement in chieving the future gols. Ñrs funs'kd emy v/;{k,o çcu/k funs'kd For nd on behlf of Bord of Directors Chirmn & Mnging Director 21

24 çcu/ku fopkj&foe'kz rfkk fo'ys"k.k dkjksckj,o vkffkzd okrkoj.k foùkh; o"kz 2012&13 Hkkjrh; vfkzo;olfkk ds fy, pquksrhiw.kz Fkk A Hkkjrh; vfkzo;olfkk dk ldy?kjsyw mrikn finys nks o"kksz ls vius mpp fodkl ifk ls fopfyr gqvk A d`f"k] m ksx,o lsok vfkkzr~ rhuks {ks=ks es de mriknu ds dkj.k foùkh; o"kz 2012 es 'kq: gqbz thmhih o`f) es fxjkov foùkh; o"kz 2013 rd tkjh jgh A foùkh; o"kz 2013 ds uks ekg es lexz thmhih o`f) finys foùkh; o"kz dh leku vof/k es ntz dh xbz o`f) 6-1% dh rqyuk es 5% jgh A detksj ekulwu us foùkh; o"kz 2013 ds nksjku d`f"k {ks= mriknu dks çhkkfor fd;k A d`f"k {ks= es foùkh; o"kz 2013 dh igyh frekgh es çnf'kzr djhc 3% o`f) ls fxjdj foùkh; o"kz 2013 dh nwljh frekgh,o rhljh frekgh es yxhkx 1% dh ekewyh o`f) nj ntz gqbz A foùkh; o"kz 2013 es?kjsyw vksj osf'od dkjdks }kjk lpkfyr vks ksfxd fodkl fujrj enxfr es gs A fo'o ds fodflr ns'kks es /kheh vkffkzd fjdojh] ;wjksih; l?k es py jgh jktuhfrd,o vkffkzd gypy vksj fodkl'khy ns'kks es en fodkl us Hkkjrh; fu;kzrks es ck/kk Mkyh A?kjsyw vksj osf'od cktkj es mpp ewy; Lrj us ekx dks de fd;k A vr% foùkh; o"kz 2013 ds X;kjg eghuks vfkkzr~ vçsy&qjojh 2013 ds fy, vks ksfxd fodkl] finys foùkh; o"kz dh leku vof/k ds nksjku ntz fd, x, fodkl 3-5% dh rqyuk es 0-9% gh jgk A flrecj 2012 ls dqn fo'oluh; vkffkzd lq/kkj mik;ks vksj fu;ked }kjk uhfr nj es deh ls fuos'k okrkoj.k es FkksM+k lq/kkj gqvk gs vksj foùkh; o"kz 2013 dh prqfkz frekgh ds Øe'k% nks eghuks ¼tuojh,o Qjojh 2013½ ds nksjku vks ksfxd fodkl es ldkjkred o`f) ntz gqbz A ;g vk'kk dh tkrh gs fd vks ksfxd xfrfof/k;ks es /khjs&/khjs lq/kkj gksxk A d`f"k {ks=,o vks ksfxd {ks=ks es en o`f) rfkk detksj cká ekx ls lsok {ks= dh o`f) es fxjkov vkbza lsok {ks= es o`f) foùkh; o"kz 2013 dh çfke frekgh es yxhkx 7-5% ls fxjdj foùkhs; o"kz 2013 dh rhljh frekgh es 6% gks xbz A lsok {ks= es enh eq[;r% vkfrf; m ksx] ifjogu m ksx] csfdx] foùkh;,o chek {ks= es fxjkov ds dkj.k gqbz A mpp eqæklqhfr,d vksj lel;k gs tks finys nks foùkh; o"kks Z ls vfkzo;olfkk dks =Lr dj jgh gs A foùkh; o"kz 2013 es Fkksd ewy; lwpdkd }kjk vkdh xbz eqæklqhfr 8% ds vkl&ikl cuh jgh ftlus C;kt nj es deh gksus ds volj dks lhfer j[kk A mlh rjg ls foùkh; o"kz 2013 es mihkksdrk ewy; lwpdkd }kjk vkdh xbz eqæklqhfr çk;% 10% ls Åij cuh jgh A foùkh; o"kz ds nksjku iwjs le; cus jgs fujurj mpp ewy; Lrj us vfkzo;olfkk dh lexz e x flfkfr dks de dj fn;k A foùkh; o"kz 2013 es vkffkzd o`f) Hkh nks?kkvks&jktdks"kh;?kkvk,o pkyw [kkrk?kkvk ¼lh,Mh½ ls xzlr jgh A /kheh o`f),o vk/kqfud vfkzo;olfkk es vfuf'prrk ds lkfk&lkfk mhkjrh gqbz cktkj vfkzo;olfkk us foùkh; o"kz 2013 es fu;kzr ij çfrdwy çhkko Mkyk gsa blds] rsy,o Lo.kZ ds fujrj cm+s vk;kr ds lkfk feyus ls] foùkh; o"kz 2013 ds igys uks eghuks ds nksjku çfrdwy O;kikj lrqyu çfrqfyr gqvk A Mngement Discussion nd Anlysis Business nd Economic Environment The finncil yer ws chllenging for Indin economy. Gross Domestic Product (GDP) of Indin economy devited from its high growth trjectory of lst two finncil yers. Decelertion in GDP growth, which strted in FY'12, continued in FY'13 s well becuse of modertion in ll the three sectors nmely Agriculture, Industry nd Services. Over ll GDP growth for nine months of FY'13 stnds t 5% s compred to 6.1% growth recorded during the corresponding finncil yer. Wek monsoon ffected the Agriculturl performnce during FY'13. Agriculturl Sector recorded meger growth rte of round 1% in Q2 nd Q3 of FY'13 declining from round 3% growth seen in Q1FY'13. Industril growth continued to remin sluggish in FY'13, driven by both domestic nd globl fctors. Trdy recovery in developed countries of the world, continued politicl nd economic turmoil in EU nd low growth in developing countries hmpered Indin exports. High price levels in domestic nd globl mrkets kept demnd subtle. Hence, industril growth for eleven months of FY13 i.e. from April-Februry 2013 remined t 0.9% s compred to 3.5% growth recorded during the sme period of the lst finncil yer. As result of credible economic reform mesures since September 2012 nd policy rte reduction by Regultor, investment climte hs improved nd industril growth hs recorded positive growth successively during two months (Jn nd Feb 2013) of Q4 FY'13. It is expected tht industril ctivity my improve grdully. Subdued growth in Agriculturl nd Industril sectors nd wek externl demnd pulled down the growth of Services Sector. Growth of Services Sector slowed down from round 7.5% in Q1 FY'13 to 6% in Q3 FY'13. Slowdown in Services sector is minly on ccount of fll in the Hospitlity industry, Trnsport industry, Bnking, Finnce nd Insurnce sector. High infltion is nother problem tht hs hunted the economy for lst two finncil yers. In FY'13, infltion mesured by Wholesle Price Index (WPI) remined stubbornly high t round 8% limiting the scope for reduction in interest rte. Similrly, infltion mesured by Consumer Price Index (CPI) lso remined mostly bove 10% in FY'13. Unbted high price level throughout the finncil yer dmpened overll demnd condition in the economy. Economic growth in FY'13 ws lso plgued by Twin deficits - Fiscl deficit nd Current Account Deficit. Low growth nd uncertinty in dvnced economies s well s emerging mrket economies dversely ffected exports in FY'13. This, combined with continuing lrge imports of oil nd gold, resulted in n dverse trde blnce during the first nine months of FY'13. 22

25 csfdx fodkl foùkh; o"kz 2013 es vkffkzd enh ds QyLo#i csfdx m ksx dks dm+ s ncko ls xqtjuk im+ka vks ksfxd fodkl es enh] /khek d`f"k mriknu] mrlkgghu lsok {ks= o`f)] mpp eqæk LQhfr rfkk c<+rh gqbz C;kt njks us Hkkjrh; csdks ds lexz fu"iknu dks çhkkfor fd;k A fujrj finys nks o"kksz ds nksjku vfkzo;olfkk es lexz :i ls enh us csdks dh olwyh nj dks çhkkfor fd;k A blds ifj.kkelo:i foùkh; o"kz 2013 es okf.kft;d csdks dh vutzd vkflr;ks ¼,u-ih-,-½ es o`f) gqbz A dqn buýklvªdpj {ks=ks fo'ks"k :i ls ÅtkZ,o ukxfjd mì;u es /khes fu"iknu us okf.kft;d csdks dh vkflr xq.koùkk dks çhkkfor fd;k A blls foùkh; o"kz 2013 es iqulzjfpr ekud vkflr;ks dh jkf'k es o`f) gqbz ftlls mpp çko/kku djus dh vko';drk im+h A vr% foùkh; o"kz 2013 us csfdx {ks= ds Åij nksgjk ncko Mkyk ftles,d fueu ykhk ds #i es rfkk nwljk mpp çko/kku vko';drkvks ds :i es fn[kkbz fn;k A iwjs foùkh; o"kz 2013 ds nksjku _.k ekx /kheh cuh jgh A gkykfd Øfed vk/kkj ij fu;ked }kjk jsiks nj es 100 chih,l dh deh rfkk foùkh; o"kz 2013 dh vfre frekgh ds nksjku _.k ekx es FkksM+h o`f) ds dkj.k csd foùkh; o"kz 2013 ds fy, 17% _.k o`f) ntz djus es lqy jgh A blh izdkj fujrj mpp eqæklqhfr ds pyrs csfdx {ks= es tekdrkzvks dks udkjkred oklrfod çfrqy dh otg ls tekvks dh o`f) detksj jgha blds vykok] yksxks }kjk foùkh; cprks ds LFkku ij fj;y,lvsv vksj lksus tslh HkkSfrd ifjlifùk;ks es /ku yxkus ds dkj.k csfdx ç.kkyh es de tekjkf'k;k çkir gqbz A gkykfd] _.k o`f) dh rjg] tek lo/kzu es lky ds vr rd o`f) us tekjkf'k;ks dh o"kz&nj&o"kz o`f) nj dks foùkh; o"kz 2013 es 17-4% ds Lrj rd igqpkus es enn dh A mijksä ds vykok] csdks dks foùkh; o"kz 2013 es yxkrkj rjyrk dh deh dk lkeuk djuk im+k A foùkh; o"kz 2013 es pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ ds jsiks fomks ls okf.kft;d csdks us vkslru 1 yk[k djksm+ #i;s ls vf/kd jkf'k m/kkj yh A blds vykok] fllve es rjyrk c<+kus ds fy, vksj vfkzo;olfkk ds mriknd {ks=ks dks i;kzir _.k dh miyc/krk lqfuf'pr djus ds fy,] fu;ked us vko';drk im+us ij le; ij vksiu ekdszv v ijs'ku ¼vks,evks½ dk lpkyu fd;k A mijksä ds vykok] foùkh; o"kz 2013 es udn vkjf{kr vuqikr ¼lhvkjvkj½ 75 chih,l de djds 4% fd;k x;k ftlls csdks dks,d vksj rjyrk es lq/kkj ykus rfkk nwljh vksj m/kkj nsus ;ksx; llk/kuks es o`f) vksj ykhkçnrk es lq/kkj djus es enn feyh A mijksä lhkh ds ckotwn] Hkkjr es fd;s x;s vkffkzd mik;ks rfkk fu;ked }kjk uhfr nj es deh fd, tkus ls fuos'k okrkoj.k dks iquthzfor djus es enn feyh A csfdx lsdvj es Hkfo"; es csgrj vksj lqn`<+ foùkh; o"kz gksus dh lhkkouk gs A m ksx <kpk ekpz 2012 ds vr es Hkkjrh; csd O;oLFkk es 169 vuqlwfpr okf.kft;d csd ¼,llhch½ rfkk 4 xsj&vuqlwfpr okf.kft;d csd Fks A ih,uch us ns'k Hkj es 5800 ls vf/kd 'kk[kkvks ds lkfk Hkkjr ds lcls cm+s Bnking Development The bnking industry hd to pss through severe stress in FY'13 s result of economic slowdown. Slowdown in industril growth, low griculturl production, tepid services sector growth, high infltion nd elevted interest rte ffected the overll performnce of Indin bnks. As result of overll slowdown in the economy continuously for lst two finncil yers, recovery climte for the commercil bnks got ffected. Consequently, Non Performing Assets (NPA) of the commercil bnks witnessed n increse in FY'13. Subdued performnce of some infrstructure sectors especilly power nd civil vition stressed the sset qulity of the commercil bnks. This gve rise to n increse in the mount of Restructured Stndrd Assets in the FY'13 leding to higher provisioning requirement. Hence, FY'13 posed double pressure upon the bnking sector, one in the form of low profit nd the other in the form of higher provisioning requirement. Credit demnd remined subdued throughout FY'13. However, due to 100 bps reduction in Repo rte by regultor in grdul mnner, nd some pickup in credit demnd during the lst qurter of FY13, bnks were ble to record credit growth of 17% for FY'13. Similrly, negtive rel return to the depositors in the bnking sector becuse of persistent high infltion resulted in wek ccretion of deposits. Aprt from the bove, migrtion of finncil svings to physicl ssets like rel estte nd gold lso cused less flow of deposits to the bnking system. However, like credit growth, the yer-end surge in deposit ccretion helped the YoY growth rte of deposits to rech the level of 17.4% for FY13. Aprt from the bove, the bnks continuously fced shortge of liquidity throughout FY'13. The commercil bnks borrowed over ` 1 lkh crore on n verge from the Repo window of Liquidity Adjustment Fcility (LAF) in FY'13. Aprt from tht, to infuse liquidity into the system nd to ensure vilbility of enough credit to the productive sectors of the economy, the regultor conducted Open Mrket Opertions (OMO) from time to time, whenever required. In ddition to the bove, Csh Reserve Rtio (CRR) ws slshed by 75 bps in FY'13 to 4% which helped bnks in terms of improving liquidity for incresing lendble resources nd improving profitbility. Despite ll the bove, economic reform mesures undertken in Indi nd policy rte reduction by regultor hve enbled investment environment to revive. The bnking sector is likely to witness better nd helthier finncil yer hed. Industry Structure There were 169 Scheduled Commercil Bnks (SCBs) nd four Non-Scheduled Commercil Bnks in Indin Bnking System s t end Mrch PNB hs mintined its position s one of the lrgest ntionlized 23

26 jk"vªh;d`r csdks es ls,d gksus ds :i es viuh flfkfr dks cuk, j[kk gsa ekpz 2013 ds vfre 'kqøokj fjiksvz ¼,y-vkj-,Q½ ds vuqlkj ç.kkyh dh dqy tekjkf'k;ks es ih,uch dh fgllsnkjh 5-18% rd igqp x;h gs vksj ç.kkyh dh _.k jkf'k;ks es ;g 5-11% rd igqp xbz gs A dkjksckj leh{kk 1- dkjksckj ekpz] 2013 ds vr es csd dk dqy dkjksckj ` 7]00]285 djksm+ gks x;k vksj bles ` 26]922 djksm+ dh 'kq) c<+ksrjh rfkk 4-0% dh of) gqbza csd dk dqy fons'kh dkjksckj 57-2% c<+dj #- 48]335 djksm+ gks x;ka bnks in Indi with more thn 5800 brnches throughout the country. As on LRF Mrch 2013, PNB's shre in system's ggregte deposits reched 5.18% nd tht in system's credit reched 5.11%. Business Overview 1. Business Bnk's totl business reched ` 7,00,285 crore t the end of Mrch'13, registering n bsolute increse of ` 26,922 crore nd growth of 4.0%. Bnk's overses business incresed by 57.2% to rech ` 48,335 crore. 2- llk/ku lxzg.k ekpz] 2013 ds vr es csd dh dqy tek jkf'k;k ` 3]91]560 djksm+ gks xbz bues finys o"kz dh rqyuk es 'kq) c<+ksrjh ` 11]972 djksm+ rfkk 3-2% dh o`f) ntz dh xbza ekpz 2013 ds vr es dqy llk/ku es csd tekjkf'k;ks dk Hkkx 81-77% Fkk tcfd dqy?kjsyw tekjkf'k;ks es de ykxr ¼pkyw,o cpr½ tekjkf'k;ks dh fgllsnkjh 40-86% ls vf/kd Fkh vksj bles foùkh; o"kz 2012 dh rqyuk es 14-3% o`f) ntz dh xbz A 2. Resource Mobilistion Bnk's totl deposits mounted to ` 3,91,560 crore s t the end of Mrch'13, showing n bsolute ccretion of ` 11,972 crore nd growth of 3.2% over previous yer. The shre of Bnk's deposits to totl resources ws 81.77% t the end of Mrch 2013, while the shre of low cost deposits (current + svings) in totl domestic deposits ws 40.86% showing n increse by 14.3% over the FY'12. foùkh; o"kz 2013 ds nksjku] csd us tekvks es flfkj fodkl ds mís'; dks çkir djus ds fy, fofhkuu mik; fd;s A o"kz ds nksjku ls rd dh vof/k ds fy,,d cpr [kkrk vfhk;ku pyk;k x;k] ftldh liks"k.k vof/k rd Fkh A bl ;kstuk ds vrxzr] yxhkx 23 yk[k [kkrs [kksys x, vksj ` 2700 djksm+ lxzghr fd, x, A During FY'13, the Bnk undertook vrious steps to chieve the objective of stbilized growth in deposits. Sving Funds Cmpign ws lunched gin during the yer from to with sustennce period up to Under this scheme, pproximtely 23 lkh ccounts were opened nd ` 2700 crore ws mobilized. Subsequently, NRI Deposit cmpign ws 24

27 rnqijkr],u-vkj-vkbz tek lxzg.k ds fy,,u-vkj-vkbz tek vfhk;ku pyk;k x;k A vfhk;ku ds nksjku] yxhkx ` 550 djksm+ dh,u-vkj-vkbz tekjkf'k;ks dk lxzg.k fd;k x;ka cs d us fo'ks"k xzkgd oxz dks y{; djrs gq, u, lkof/k tek mrikn& fo'ks"k 400 fnuks ds fy;s ubz fo'ks"k vkorhz tek ;kstuk tsls dbz u, xzkgd mueq[k mik; Hkh çkjehk fd;s ftles ` 1200 djksm+ dk lxzg.k fd;k A VksVy ÝhMe osru ;kstuk vksj ih,uch j{kd ;kstuk es l'kks/ku fd;s x;s rfkk cs d dh mä ;kstuk ds vrxzr [kkrk/kkjdks }kjk vkokl _.k] dkj _.k rfkk O;fäxr _.k ds ekeyks es çkslsflx Qhl vksj MkD;w ~es Vs 'ku çhkkjks ij Øe'k% 50% vksj 100% dh NwV çnku dh xbz A ih,uch,dlçsl euh jsfev dkmz 'kq: fd;k x;k gs vksj vc rd e/; iwoz ls vkod /kuçs"k.k ds ykhkkffkz;ks ds fy, yxhkx dkmz tkjh fd, x, gs A,d ubz lsfox QM çhfe;e ;kstuk 'kq: dh xbz gs ftles ` dk frekgh vkslr csysl cuk, j[kus okys [kkrk/kkjdks dks vusd fj;k;rs çnku dh tkrh gs A,d ubz fo'ks"k vkorhz tek ;kstuk dh 'kq#vkr dh xbz gs ftles llfkkvks ds dezpkfj;ks ds ih-,q- [kkrs [kksys tkus dh lqfo/kk nh xbz gs A 3- _.k vfhkfu;kstu,o forj.k ekpz 2012 ds vr es ` 2]93]775 djksm+ dh rqyuk es ekpz 2013 ds vr es csd ds 'kq) vfxze ` 3]08]725 djksm+ Fks] bues ` 14]950 djksm+ vfkok 5-1% dh o`f) ntz dh xbz A csd dk _.k iksvzqksfy;ks cgqr fofo/krkiw.kz jgk vksj ekpz] 2013 dks lekir o"kz ds fy, vfxzeks ij vk; 11-06% jgh A lunched to mobilize NRI Deposits. During the cmpign pproximtely ` 550 crore NRI Deposit ws mobilized. Bnk lso introduced mny new customized offers trgeting specil segments like new term deposit product - Specil 400 dys, new Specil Recurring Deposit Scheme nd mobilized ` 1200 crore. The Totl Freedom Slry Scheme nd PNB Rkshk Scheme hve been modified nd processing fees nd documenttion chrges in cse of housing lon, cr lon nd personnel lon hve been wived to the extent of 50% nd 100% respectively. PNB Express Money Remit Crd hs been lunched nd pproximtely crds hve so fr been issued to beneficiries of inwrd remittnces from Middle Est. A new Svings Fund Premium Scheme ws lunched which provides mny concessions to the ccount holders who mintin QAB of ` A new specil Recurring deposit scheme hs been lunched to fcilitte the opening of PF ccounts of employees of the institutions. 3. Credit Deployment nd Delivery Net dvnces of the Bnk s t the end of Mrch 2013 stood t ` 3,08,725 crore, compred to ` 2,93,775 crore s t end Mrch 2012, registering n increse of ` 14,950 crore or 5.1%. The lon portfolio of the Bnk remins well diversified with Yield on Advnces t 11.06% for the yer ended Mrch dim+k e=ky;] Hkkjr ljdkj dh çks ksfxdh muu;u fuf/k ;kstuk ¼Vh;w,Q,l½ ds rgr ih,uch euksuhr uksmy csd gs A Vh;w,Q,l ds rgr nkoks ds rsth ls çlldj.k ds fy,] dkikszjsv dk;kzy; es,d lefizr izdks"b ik= dim+k bdkb;ks dks lfclmh ds forj.k dh lqfo/kk miyc/k djkrk gs A csd es Vh;w,Q,l ds 15% ØsfMV fydm dsfivy lfclmh ¼CLCS½ ;kstuk ds rgr 759 y?kq m ksx [kkrks ds lkfk&lkfk y?kq m ksx vksj xsj y?kq m ksx Js.kh es 732 [kkrs gsa o"kz 2012&13 ds nksjku] csd us Vh;w,Q,l ds rgr ik= dim+k bdkb;ks dks ` djksm+ dh jkf'k forfjr dha PNB is the designted Nodl Bnk under Technology Upgrdtion Fund Scheme (TUFS) of the Ministry of Textiles, Govt. of Indi. For speedier processing of clims under TUFS, dedicted cell t the corporte office fcilittes distribution of subsidy to eligible textile units. The Bnk hs 732 ccounts in SSI nd Non-SSI ctegory long with 759 SSI ccounts covered under 15% Credit Linked Cpitl Subsidy (CLCS) scheme under TUFS. During the Yer , Bnk disbursed ` crore to eligible textile units under TUFS. 25

28 i. _.k lewgu csd ds ç/kku dk;kzy; es,d lewgu ¼flMhds'ku½ fohkkx vksj eqcbz rfkk psuubz es lewgu d{k gs] ;s ç/kku dk;kzy; ds folrkfjr gkfkks ds :i es dk;z djrs gs A o"kz ds nksjku dbz ifj;kstukvks dh foùkh; t:jrs iwjh dh xbz rfkk u, xzkgdks dks lky ds nksjku lkfk tksm+k x;k A csd es,d lefizr rduhdh d{k gs tks ifj;kstuk ewy;kdu vksj rduhdh vkffkzd O;ogk;Zrk ¼TEV½ lc/kh dk;z djrk gs A ;s v/;;u vkrfjd mi;ksx ds lkfk&lkfk flfmds'ku dk;z ds fglls ds :i es Hkkx ysus okys csdks ds lkfk tkudkjh lk>k djus ds fy, Hkh gs A o"kz 2012&13 ds nksjku] cs d }kjk dqy ` 11]494 djksm+ ds ¼flMhds'ku½ _.kks dh Lohd`fr çnku dh xbz ftues ls cs d dh fgllsnkjh ` 4873 djksm+ Fkh A flfmds'ku ds fy, etwj fd;s x;s {ks=ks es fctyh] lm+dks vksj cnjxkgks ] phuh] vpy lifùk] jln] blikr] ol= vkfn dh cqfu;knh <kpk ifj;kstukvks dks 'kkfey fd;k x;ka foùkh; o"kz 2013 ds nksjku blls çkir dqy vk; ` djksm+ Fkh A ii. [kqnjk ¼fjVsy½ _.k [kqnjk _.k iksvzqksfy;ks es o`f) ij csd dk tksj cuk gqvk gs vksj viuh flfkfr dks etcwr dj rfkk fjvsy _.k cktkj es ços'k dj csd bl {ks= es myys[kuh; o`f) gkfly djus es l{ke Hkh jgk gs A csd }kjk fofhkuu mrikn,o ;kstuk, rs;kj dh xbz gs tks çfrli/khz vksj xzkgd vuq:i ¼dLVekbTM½ gs A csd dk Qksdl csgrj fu"iknu vksj Rofjr forj.k ¼fMyhojh½ ds ek/;e ls vuqdj.kh; xzkgd lsok çnku djus ij gs A dh flfkfr vuqlkj csd ds dqy fjvsy iksvzqksfy;ks ` djksm+ gks x;s tcfd es ;s ` 29]196 djksm+ FksA dksj fjvsy] ftles vkokl] okgu] f'k{kk] O;fäxr] is'kuj] xksym] c/kd vksj fjolz c/kd _.k ;kstuk, 'kkfey gs] es cdk;k es ` djksm+ ls c<+ dj dks ` gks x;s ftles 15% dh o"kz&nj&o"kz o`f) ntz dh xbz A vkokl] okgu vksj f'k{kk _.kks ds rgr] Øe'k% ` 1683 djksm+ ¼o"kZ nj o"kz 13-30%½s ` 379 djksm+ ¼o"kZ nj o"kz 15-14%½ vksj ` 279 djksm+ ¼o"kZ nj o"kz 8-43%½ dh 'kq) o`f) ntz dh xbza [kqnjk _.k ds rgr,uih, dh flfkfr ds vuqlkj 1-94% Fks A [kqnjk _.k dks c<+kok nsus ds Øe es] csd us ls dh vof/k ds nksjku vius fjvsy _.k xzkgdks ds fy, ih,uch QsfLVoy cksuktk ds uke ls fo'ks"k is'kd'k dh 'kq:vkr dh] ftles vkokl] dkj vksj O;fäxr _.k ;kstukvks ds rgr C;kt njks ] ekftzu vksj 'kqyd vkfn es NwV nsuk 'kkfey Fkk A lekt ds fofhkuu oxksz ds vuq:i vksj viuh vkflr;ks dh xq.koùkk es lq/kkj ds fy, foùkh; o"kz 2012&13 ds nksjku [kqnjk _.k [km ds rgr xzkgdks ds vuqdwy] çfrli/khz vksj çks ksfxdh vk/kkfjr fofhkuu igys çlrqr dh xbza csd dh [kqnjk _.k ;kstukvks es xzkgdks dh cnyrh ekxks dks iwjk djus ds fy, vksj okilh le; es dvksrh djus ds fy, l'kks/ku fd;k x;k gs A fuekz.kk/khu ds fy, vkokl _.k çnku djus ds fy, fcymjks ds vuqeksnu gsrq ekunmks dks vklku cukus ds lkfk&lkfk _.k LFkxu vof/k dks 18 eghus ls c<+krs gq, 36 eghus ds fy, l'kksf/kr i. Lon Syndiction The Bnk hs Syndiction Deprtment t Hed Office nd Syndiction cells t Mumbi nd Chenni to function s extended rms of Hed office. Finncil closure of number of projects ws chieved nd new clients were cquired during the yer. Bnk hs dedicted Technicl Cell, which undertkes Project pprisl nd Techno Economic Vibility (TEV) studies. These studies re for internl use nd for shring with prticipting bnks s prt of syndiction ssignments. During the yer , Bnk gve pprovls for pprisl/ syndiction of debt ggregting to ` 11,494 crore with PNB's shre of ` 4873 crore. The sectors where pprovls for syndiction were given included infrstructure projects in power, rods nd ports, sugr, rel estte, logistics, steel, textiles, etc. Totl income booked during the finncil yer 2013 stood t ` crore. ii. Retil Credit Growth of Retil Lon portfolio continues to be the thrust re of the Bnk nd the Bnk hs been ble to chieve noticeble growth in this segment through position strengthening nd penetrtion in retil lon mrket. The Bnk hs come out with the products nd schemes which re competitive nd customized. The focus hs been on providing exemplry customer service through superior execution nd quick delivery. Bnk's ggregte Retil portfolio s on incresed to ` 31,310 crore from ` 29,196 crore s on Outstnding in Core Retil comprising Housing, Vehicle, Eduction, Personl, Pensioner, Gold, Mortgge nd Reverse Mortgge Lon Schemes incresed from ` 23,377 crore s on to ` 26,867 crore s on registering YoY growth of 15%. Under Housing Vehicle nd Eduction Lons, n bsolute growth of ` 1683 crore (YoY 13.30%), ` 379 crore (YoY 15.14%) nd ` 279 crore (YoY 8.43%) hs been registered respectively. NPA under retil Lons ws 1.94% s on In order to give fillip to Retil lons, the Bnk introduced specil offer in the nme of PNB Festivl Bonnz for its Retil Lon customers during the period to whereby relxtions in interest rtes, mrgin nd processing/ documenttion fee, etc. were extended under Housing, Cr nd Personl Lon Schemes. Vrious customer friendly, competitive nd technology bsed, inititives were introduced under Retil Lon segment during the FY'13 to suit vrious sections of the society nd to improve qulity of our ssets. Bnk's Retil Lon Schemes hve been modified to cter to the chnging demnds of customers nd to curtil the turnround time. Norms for pprovl of builders for extending Housing lons for under-construction flts/ houses hve been simplified long with increse in mortorium period up to 36 months from 18 months. The benefits under 1% interest subvention scheme on Housing lons nd Centrl Scheme of Interest 26

29 fd;k x;k gs A ljdkj ds fn'kkfunsz'kks ds vuqlkj vkokl _.k ij 1% C;kt nj es NwV ;kstuk vksj f'k{kk _.k ij C;kt lfclmh ¼lh,lvkbZ,l½ dh dsuæh; ;kstuk ds rgr ik= m/kkjdrkzvks dks ykhk çnku fd;s x;s A fcøh miflfkfr] lsok mrd`"vrk vksj çfø;k mrd`"vrk ds ek/;e ls cktkj es vius xzkgd vk/kkj vksj viuh flfkfr etcwr djus dk gekjk lnso ç;kl jgsxk A iii- çkfkfedrk {ks= ekpz 2013 es csd ds çkfkfedrk {ks= vfxze ` djksm+ Fks A çkfkfedrk {ks= ds vfxzeks dk lek;ksftr 'kq) csd _.k ls vuqikr ekpz 2013 ds vr es 33-24% Fkk A çkfkfedrk {ks= vfxzeks dh flfkfr ¼` djksm+ es½ isjkehvj çkfkfedrk {ks= _.k bles ls % ¼d½ d`f"k {ks= & çr;{k & vçr {k ¼[k½ y?kq m e ¼x½ vu; detksj oxksz dks _.k efgyk fgrxzkfg;ks dks _.k jk"vªh; y{;ks dh çkfir ¼,,uchlh ls %½ y{; 25 ekpz] 11* 23 ekpz] 12* 31 ekpz] 13 çkfkfedrk {ks= _.k bles ls ¼d½ Ñf"k {ks= ¼[k½ çr;{k Ñf"k ¼x½ detksj oxkzs dks _.k ¼?k½ efgyk fgrxzkfg;ks dks _.k * vfure fjiksfvzx 'kqøokj MkVk ds vk/kkj ij d`f"k _.k d`f"k {ks= dks _.k ekpz 2013 dh flfkfr ds vuqlkj ekpz 2012 es ` djksm+ dh rqyuk es ` djksm+ #i, Fkk A d`f"k vfxzeks dk,,uchlh ls vuqikr 13-83% Fkk A ekpz 2013 es csd ds çr;{k d`f"k vfxze ds rgr miyfc/k ` 34]639 djksm+ Fkh A csd us o"kz 2012&13 ds nksjku 4-51 yk[k fdlku ØsfMV dkmz ¼dslhlh½ tkjh fd;s] ftlls bldh 'kq:vkr ds ckn ls vcrd tkjh fd;s x;s dqy dslhlh dh l[;k c<+ dj yk[k gks x;h gs A o"kz 2012&13 ds nksjku] csd us yk[k fdlkuks dks ` 36]632 djksm+ ds d`f"k _.k forfjr fd;k A blds vykok] csd us fo'ks"k d`f"k _.k ;kstuk ds rgr 2012&13 es 7-55 yk[k u, fdlkuks dks ` 8392 djksm+ forfjr fd;s A csd us d`"kd lkfkh ;kstuk ds rgr m/kkjdrkzvks dks xsj llfkkxr lkgwdkjks ls fy;s x;s muds _.kks dks NqM+kus ds fy;s ` 267 djksm+ Hkh forfjr fd, gs A Subsidy (CSIS) on Eduction Lons hve been pssed to eligible borrowers in terms of Government guidelines. It shll be our endevor to strengthen our customer bse nd position in the mrket through sles presence, service excellence nd process excellence. iii. Priority Sector Priority Sector dvnces of the Bnk stood t ` 91,427 crore s t Mrch The rtio of Priority Sector dvnces to Adjusted Net Bnk Credit stood t 33.24% t the end of Mrch Position of Priority Sector Advnces (` crore) Prmeters Priority Sector Credit Of which: () Agriculture Sector Direct Indirect (b) Smll Enterprises (c) Others Credit to Weker Sections Credit to Women Beneficiries Achievement of Ntionl Gols (%ge to ANBC) Trget 25 Mr'11* 23 Mr'12* 31 Mr'13 Priority Sector Credit Of which: () Agriculture Sector (b) Direct Agriculture (c) Credit to Weker Sections (d) Credit to Women Beneficiries *Bsed on Lst Reporting Fridy Dt Credit to Agriculture Credit to Agriculture sector stood t ` 38,055 crore s on Mrch 2013 s ginst ` 45,917 crore in Mrch The rtio of Agriculture Advnces to ANBC stood t 13.83%. The chievement under Direct Agriculture Advnces of the Bnk ws ` 34,639 crore in Mrch The Bnk issued 4.51 lkh Kisn Credit Crds (KCCs) during tking the cumultive number of KCCs issued to lkh since inception. During the yer , the Bnk disbursed griculture lons to the tune of ` 36,632 crore to lkh frmers. Further, the Bnk disbursed ` 8392 crore during to 7.55 lkh new frmers under Specil Agriculturl Credit Pln. The Bnk lso disbursed ` 267 crore to borrowers for redeeming their debt to non-institutionl money lenders under Krishk Sthi Scheme. 27

30 s csd }kjk d`f"k {ks= es _.k ds çokg dh lqfo/kk ds fy, fueufyf[kr igy 'kq: dh xbz gs % & csd us çr;{k d`f"k {ks= es _.k c<kus ds fy;s [kjhq lhtu ds nksjku ls rfkk jch lhtu ds nksjku ls rd nks fo'ks"k d`f"k _.k vfhk;ku 'kq: fd;s Fks A vfhk;ku vof/k ds nksjku] 3-03 yk[k u, fdlkuks dks ` 3676 djksm+ ls vf/kd _.k forfjr fd;s x;s A fdlku ØsfMV dkmz ;kstuk dks nksckjk cuk;k x;k gs rfkk bls ih,uch fdlku dkmz ds :i es u;k uke fn;k x;k gs A Qly iwth lhek dk fu/kkzj.k yxkrkj gj o"kz ds fy;s ykxr dh ek=k es o`f) dh fn'kk es vk/kkj o"kz lhek es 10% o`f) ds vk/kkj ij dh tkrh gsa dslhlh ds vurxzr ekftzu vko';drk ¼igys ` 3 yk[k rd½ dks lekir dj fn;k x;k fdlku bpnkiwfrz ;kstuk dks l'kksf/kr fd;k x;k gs vksj bls ßfdlku xksym ;kstukß ds :i es uke fn;k x;k gs A bldh lhek ` 10 yk[k ls c<+k dj ` 20 yk[k dj nh xbz gs] xsj mriknd mís';ks ds rgr lhek c<+k dj ` 5 yk[k dj nh xbz gs rfkk lrks"ktud VªSd fjd MZ dh 'krz orzeku es 3 lky ls?kvk dj 2 lky dj nh xbz gs A le;c) <x ls lhkh fdlkuks dks ih,uch :is ¼Rupy½ fdlku dkmz ¼dslhlh&MsfcV dkmz½ tkjh djus vksj blds leqfpr mi;ksx ds fy, fdlku ØsfMV dkmz /kkjdks dks f'kf{kr djus ds fy, lhkh 'kk[kkvks ds fy, fn'kkfunsz'k tkjh fd, x, gs A rd yk[k ik= dslhlh [kkrks es ls 3-48 yk[k dslhlh [kkrks es fdlku,vh,e dkmz tkjh fd;s tk pqds gs A d`f"k vksj?kjsyw mís';ks ds fy, viuh vkikrdkyhu t:jrks dks iwjk djus ds gsrq fdlkuks dks rrdky _.k miyc/k djkus ds fy;s,d ubz ;kstuk vfkkzr ih,uch fdlku rrdky dkmz ;kstuk dh 'kq:vkr dh xbz Fkh A d`f"k ds fy;s tehu [kjhnus dh ;kstuk dk l'kks/ku fd;k x;k rfkk bldh lhek ` 5 yk[k ls c<+kdj ` 10 yk[k dh xbza lksus dks fxjoh j[kdj d`f"k vfxze çnku djus dh ;kstuk es de vof/k _.k ds vykok eh;knh _.k çnku djus gsrq l'kks/ku fd;k x;k gsa?kjsyw mi;ksx ds fy;s NksVs lksyj okvj ghvj dh vko';drk ds fy;s _.k ysus gsrq lksyj ÅtkZ ykbfvx ç.kkyh ¼,lbZ,y,l½ dh [kjhn es forrh; lgk;rk es l'kks/ku fd;k x;k gsa detksj oxksz rfkk vuqlwfpr dks _.k cs d us detksj oxz ds dy;k.k gsrq _.k çokg ds fy,,d ljy vksj >>V eqä psuy LFkkfir fd;k gs A ekpz] 2013 es cs d }kjk detksj oxks Z ds fy, _.k c<+k dj ` djksm fd;k ftles ` 3208 djksm vksj o"kz nj o"kz 13-16% dh o`f) ntz dh xbz A detksj oxks Z ds vfxzeks dk,,uchlh ls vuqikr 10-03% cuk jgk tks 10% ds jk"vªh; y{; ls vf/kd Fkk A vuqlwfpr tutkfr ds ykhkkffkz;ks dks _.k ekpz 2012 es ` 3796 djksm+ Fkk tks ekpz 2013 es ` 3665 djksm+ gks x;k A Following inititives hve been tken by the Bnk to further fcilitte flow of credit to griculture sector:- The Bnk hd lunched two "Specil Agriculture Credit Cmpigns", from to during Khrif seson nd from to during Rbi seson to increse lending to direct Agriculture. During the cmpign period, 3.03 lkh new frmers were covered with disbursement of over ` 3676 crore. Kisn Credit Crd Scheme hs been revmped nd renmed s PNB Kisn Crd. The fixtion of crop production/ working cpitl limit is done on the bsis of 10% increse over bse yer limit towrds cost escltion/ increse in scle of finnce. The mrgin requirement under KCC hs been dispensed with (erlier upto ` 3 lkh). Kisn Ichchhpurti Scheme hs been revised nd renmed s "Kisn Gold Scheme". Limit under the scheme hs been incresed to ` 20 lkh from ` 10 lkh, the limit under non-productive purposes hs been incresed to ` 5 lkh nd the stipultion of stisfctory trck record hs been reduced to 2 yers from 3 yers. Guidelines hve been issued to ll the brnches to issue PNB Rupy Kisn crd (KCC-Debit Crd) to ll the frmers in time bound mnner nd to educte the KCC holders for its proper utiliztion. Upto , Kisn ATM crds hve been issued in 3.48 lkh KCC ccounts out of lkh eligible KCC ccounts. A new scheme viz. PNB Kisn Ttkl Crd Yojn ws introduced for providing n instnt credit to frmers for meeting their emergency requirements for Agriculture nd Domestic purposes. Scheme for purchse of lnd for griculture purposes hs been modified nd the limit hs been enhnced from ` 5 lkh to ` 10 lkh. Scheme for griculture dvnce ginst the security of gold hs been modified to provide Term lons besides short term lons. Finncil ssistnce for purchse of Solr Energy Lighting System (SELS) hs been modified to cover credit needs for smll Solr Wter Heters for domestic use. Credit to Weker Sections nd SC/ST The Bnk hs estblished smooth nd hssle free chnnel for flow of credit to the weker sections for their welfre. Credit to Weker Sections by the Bnk incresed to ` 27,588 crore s t Mrch 2013, registering n increse of ` 3208 crore nd YoY growth of 13.16%. Rtio of Weker Sections dvnces to ANBC t 10.03% continued to be higher thn the Ntionl Gol of 10%. Credit to SC/ST beneficiries stood t ` 3665 crore in Mrch 2013 s ginst ` 3796 crore in Mrch

31 efgyk ykhkkffkz;ks dks _.k vius fofhkuu mriknks,o lsokvks ds ek/;e ls efgykvks dk fodkl,o lefkzu djus ds vius ç;klks ij ih,uch dks xoz gs A csd dk ;g n`<+ fopkj gs fd tc ge fdlh efgyk dk lefkzu djrs gs] rc ge leiw.kz ifjokj dks enn djrs gs A ekpz] 2013 es efgyk ykhkkffkz;ks dks ` 14]084 djksm+ _.k fn;k x;k A ekpz] 2013 es,,uchlh ds çfr'kr ds :i es efgykvks dk _.k 5-12% Fkk A blds vykok] dkjiksjsv dk;kzy; es dke dj jgk lefizr efgyk d{k efgyk fgrxzkfg;ks ds fy;s fofhkuu _.k ;kstukvks dh çxfr dks e fuvj djrk gs A vyil[;d leqnk;ks dks _.k ekpz 2012 es ` djksm+ dh rqyuk es ekpz 2013 es vyil[;d leqnk;ks ds fy, csd dk _.k ` 13]725 djksm+ Fkk A vyil[;dks dks _.k çkfkfedrk {ks= vfxzeks dk 15-01% gs A ekbøks _.k csd Lo; lgk;rk lewg ¼,l,pth½ ds xbu,o ØsfMV fydst ds ek/;e ls ekbøks Qkbusl dks c<+kok nsus ds fy, vius ç;klks dks tkjh j[k jgk gs A ekpz 2013 ds vr es ] csd ds ikl 1]95]096 ØsfMV ls tqm+ s Lo; lgk;rk lewg gs ftugs ` 1] djksm+ dh jkf'k çnku dh xbz gs] bles Lo; lgk;rk lewgks ¼o"kZ&nj&o"kZ o`f) 7-95%½ dh o`f) ntz dh xbza fmikftv ls tqms + Lo; lgk;rk lewgks dh lp;h l[;k 2]35]096 gks xbz gs tcfd finys o"kz ;g l[;k 2]17]309 ¼8-19% dh o`f)½ Fkh A blds vykok] csd ds lkfk _.k ls tqm+ s gq, 1]37]475 efgyk Lo; lgk;rk lewg rfkk fmikftv ls tqms + gq, 1]61]004 efgyk Lo; lgk;rk lewg gs A ekbøks ØsfMV dks c<+kok nsus ds Øe es] fofhkuu,tsfl;ks ;Fkk-] mùkj çns'k es jktho xk/kh efgyk ifj;kstuk ¼vkjth,eohih½ }kjk çk;ksftr Lo; lgk;rk lewgks ds foùk iks"k.k ds fy, NwVks dks vuqeksfnr fd;k x;k gs A blds vykok] ßekbØks ØsfMV] Lo; lgk;rk lewgks ] xsj ljdkjh çk;ksftr ;kstukß cukdj,d l'kksf/kr ;kstuk dks fcgkj xzkeh.k vkthfodk lo/kzu lkslk;vh ¼tsbZbZohvkbZds,½ }kjk çofrzr Lo; lgk;rk lewgks ds foùk iks"k.k ds fy,] cksmz }kjk vuqeksfnr fd;k x;k gs A finm+s {ks=ks vksj Hkkjr ds okeifkh mxzokn çhkkfor ftyks es efgykvks ds Lo; lgk;rk lewgks dks c<+kok vksj lefkzu nsus ds fy,,d ;kstuk 'kq: dh xbz gs vksj ;g igpku fd;s x;s 150 ftyks es dk;z dj jgh gs A bl ;kstuk ds rgr 4935 Lo; lgk;rk lewgks dk xbu fd;k x;k Fkk ftles ls 3354 Lo; lgk;rk lewg cpr ls tqms + gq, Fks vksj 1084 Lo; lgk;rk lewg _.k ls tqm+ s gq, Fks A lw{e] y?kq,o e/;e m e csd us ekuk gs fd lw{e] y?kq,o e/;e m eks dk] lexz]?kjsyw mrikn] fu;kzr,o jkstxkj l`tu ds ek/;e ls vkffkzd fodkl es egroiw.kz ;ksxnku gs A bl vksj ekpz 2013 ds vr es ],e,l,ebz {ks= dks fn;k x;k _.k ` djksm+ jgk tksfd dqy _.k dk 22-07% gs A mä vfxzeks es ls lw{e m eks ds fy, vfxze ` 18]905 djksm+ Fkk A Credit to Women Beneficiries PNB is proud of its efforts to support women through its vrious products nd services. The Bnk strongly believes tht when womn is supported, it is help to the entire fmily. Credit extended to women beneficiries stood t ` 14,084 crore, s on 31st Mrch, Credit to women s percentge of ANBC stood t 5.12% s t the end of Mrch Besides, dedicted Women Cell t Corporte Office closely monitors the progress under vrious lending schemes for women beneficiries. Credit to Minority Communities The Bnk's credit to minority communities ws ` 13,725 crore s on Mrch 2013 s ginst ` 14,445 crore s on Mrch The credit to minorities constituted 15.01% of Priority Sector dvnces. Micro Credit The Bnk continued its efforts to promote Micro Finnce through formtion nd credit linkge of Self Help Groups (SHGs). As t end of Mrch 2013, Bnk hd 1,95,096 credit-linked SHGs with n mount of ` crore, registering n increse of 14,370 SHGs (YoY growth of 7.95%). The number of SHGs tht hd been deposit-linked rose to 2,35,096 cumultively from 2,17,309 s of previous yer (growth of 8.19%). Further, the Bnk hs 1,37,475 credit linked women SHGs nd 1,61,004 svings linked women SHGs. In order to boost micro credit, relxtions hve been pproved for finncing of SHGs sponsored by different gencies viz., Rjiv Gndhi Mhil Priyojn (RGMVP) in Uttr Prdesh. Further, modified scheme of "Micro Credit- SHGs- Non Govt Sponsored Scheme" hs been pproved by the Bord, for finncing of SHGs promoted by Bihr Rurl Livelihoods Promotion Society (JEEVIKA). A scheme for supporting women Self Help Groups in bckwrd nd left wing extremism ffected districts of Indi hs been strted nd is opertionl in 150 identified districts. Under the scheme, 4935 SHGs hve been formulted out of which 3354 SHGs were sving linked nd 1084 SHGs were credit linked. Micro, Smll nd Medium Enterprises Bnk recognizes the importnt role of Micro, Smll nd Medium Enterprises (MSME) in the economic development through their contribution to GDP, export nd employment genertion. Towrds this, s t the end of Mrch 2013, credit to MSME sector ws ` 61,478 crore constituting 22.07% of totl credit. Out of the bove, dvnces to Micro Enterprises ws ` 18,905 crore. 29

32 likf'ozd çfrhkwfr eqä m/kkj % csd us fcuk likf'zod çfrhkwfr rfkk fcuk rhljh ikvhz dh xkjvh ds ` 100 yk[k rd ds _.k lhthvh,e,lbz ;kstuk ds vrxzr 'kq: fd,a 'kk[kk çcu/kdks dks mpprj _.k 'kfä; nh xbz gs A ifj.kkelo:i foùkh; o"kz 2012&13 ds nksjku] csd us bl ;kstuk ds vrxzr ` 1045 djksm+ ds _.k nsus ds lkfk 14]382 ekeyks dks doj fd;k A vu; igy,e,l,ebz {ks= es lk[k ds vk/kkj dks c<+kus ds Øe es igys ls gh dk;zjr fo'ks"khd`r,e,l,ebz 'kk[kkvks ds vfrfjä csd us vksj,e,l,ebz Qksdl 'kk[kkvks dh igpku dh gs A ;s 'kk[kk,,e,l,ebz {ks= dks fcuk fdlh ijs'kkuh ;k fcuk fdlh >>V ds _.k nsuk lqfuf'pr djrh gs,slh 'kk[kkvks dh l[;k 550 ¼85 fo'ks"khd`r,e,l,ebz 'kk[kk,,o 465 Qksdl 'kk[kk,½ gs A u, rfkk orzeku lw{e,o y?kq m eks ds m/kkjdrkzvks dks lefkzu çnku djus ds fy, ` 25 yk[k rd ds _.k ds fy, cs d us orzeku ykxw C;kt nj ls 75 vk/kkj IokbV rd NwV dh lhek c<+k nh gs A [kk,o d`f"k çlldj.k {ks= ds c<+kok nsus gsrq cs d }kjk NwV okyh C;kt nj çhkkfjr dh tk jgh gs A cs d us cs fdx dksm,.m LVS.MMZ cksmz v Q bfm;k ¼chlh,lchvkbZ½ eqecbz }kjk tkjh lw{e,o y?kq m eks ¼,e,l,ebZ½ ds fy, cs d opuc)rk dksm dks Hkh viuk fy;k gs A csd us VkVk eksvlz v'kksd yhysm] efguæk,.m efguæk fyfevsm] ctkt v Vks fyfevsm] fivkfxvks OghdYl çkbosv fyfevsm],f'k;k eksvj odzl] vrqy v Vks fyfevsm] ts,l v Vks] vkbzlh,e,y fyfevsm,o,ldksvz~l ds lkfk Oghdy foùk çnku djus ds fy, lhkh Oghdy fuekzrk deifu;ks ds lkfk,evks;w ij lgefr gqbz gs A csd ls Hkkjr ljdkj }kjk pykbz tk jgh fofhkuu ;kstukvks tsls ç/kkue=h jkstxkj tujs'ku ;kstuk ¼ih,ebZthih½ lw{e,o y?kq m eks ds fy, ØsfMV dsfivy lclhmh ;kstuk ¼lh,ylh,l,l½] VsDlVkbZy,o twv {ks= ¼Vh;w,Q,l½ ds fy, [kknh,o xzkeh.k m ksx ¼dsohvkbZlh½ rfkk Vsduksy th vixzsms'ku Q.M Ldhe rfkk [kk çlldj.k m ksxks vkfn es vxzlfø; Hkkxhnkjh fuhkk jgk gs A iv. foùkh; lekos'ku vius fe'ku ßcSd&jfgrks ds fy, csfdx** ds :i es ifjyf{kr foùkh; lekos'ku csd ds fy, çkfkfedrk {ks= jgk gs A Hkkjr ljdkj }kjk ykxw foùkh; lekos'ku ds vrxzrk ^*LokfHkeku** ;kstuk dks ykxw djus ds fy, csd us Vh,lih vk/kkfjr e My] ekpz 2012 rd chlh,ts Vks ds ekè;e ls 2000 ls vf/kd dh vkcknh okys 4588 x oks es ykxw fd;k gs A fnlecj 2012 es ] LokfHkeku vfhk;ku dks lc lfozl,fj;k vçksp es cny fn;k x;k] tg ij çr;sd,l,l, 1000&1500?kjks ;k rks,d ipk;r ¼thih½ xko dk 'kk[kk dks lsok {ks= ds vunj xzke lewg 'kkfey gs A csd ;g lqfuf'pr djsxk fd çr;sd,l,l, dks,d csfdx 'kk[kk ;k,d chlh,ts V ds ek/;e ls lsok iznùk dh tkrh gs A csd ds ikl bl le; 9337,l,l, iwjs ns'k es dk;z dj jgs gsa Collterl Free Lending: The Bnk leverged CGTMSE scheme for providing lons upto ` 100 lkh without collterl security nd without third prty gurntee. Brnch Mngers hve been vested with higher loning powers. As result, during FY'13, the Bnk covered 14,382 cses under the scheme with the credit outly of ` 1045 crore. Other inititives iv. In order to broden the bse for ugmenting credit to MSMEs, the Bnk hs indentified MSME focus brnches in ddition to the lredy existing specilized MSME brnches. These brnches re ensuring smooth flow of credit to the MSMEs. There re 550 such brnches (85 specilized MSME brnches nd 465 focus brnches). To support new nd existing Micro nd Smll Enterprise borrowers, the Bnk is extending interest concession of 75 bsis points on pplicble interest rte for lons up to ` 25 Lkh. With view to promote Food nd Agro processing sector, concessionl rte of interest is being chrged by the Bnk. Bnk hs lso dopted the Code of Bnk's Commitment to Micro nd Smll Enterprises (MSEs) s relesed by the Bnking Codes nd Stndrds Bord of Indi (BCSBI), Mumbi. The Bnk lso hs tie ups/ entered MoU with vehicle mnufcturers like Tt Motors, Ashok Leylnd, Mhindr nd Mhindr Ltd., Bjj Auto Ltd., Piggio Vehicles Pvt. Ltd., Volvo Eicher Commercil Vehicles Ltd., Hindustn Motors Ltd., TVS Motor Co. Ltd., Asi Motor Works, Atul Auto Ltd., JS Auto, ICML Ltd. nd Escorts for finncing their vehicles. Bnk is pro-ctively prticipting in vrious schemes of the Government of Indi like Prime Minister Employment Genertion Progrmme (PMEGP), Credit Link Cpitl Subsidy Scheme (CLCSS) for Micro nd Smll Enterprises, Khdi nd Villge Industry Commission (KVIC) nd Technology Upgrdtion Fund Scheme for Textile nd Jute Sector (TUFS), Subsidy Scheme for Food Processing Industries, etc. Finncil Inclusion Finncil inclusion hs been priority re for the Bnk s reflected in its mission "Bnking for the unbnked". With the lunch of the GOI Scheme of FI under "Swbhimn" Scheme, the Bnk moved to the TSP bsed model nd covered 4588 villges hving popultion of over 2000 through BC Agents upto Mrch In December 2012, the Swbhimn Cmpign ws replced with the Sub Service Are Approch (SSA), where ech SSA comprises of households either in one villge/ Grm Pnchyt (GP) or cluster of villges/ GPs within the service re of brnch. The Bnk is ensuring tht ech SSA is served by bnking outlet, either through brnch or BC Agent. Bnk hs 9337 SSAs cross the country 30

33 çr;{k ykhk vrj.k ¼MhchVh½ ;kstuk Hkkjr ljdkj }kjk çr;{k ykhk vrj.k ;kstuk dks ls ykxw djus ds fn'kkfunsz'k tkjh fd, x,a vkjfehkd :i ls ;g ;kstuk 43 ikbyv ftyks es 'kq: djds ls 78 ftyks es c<+kbz tk,xh A pj.kc) rjhds ls bls iwjs Hkkjr es ykxw dj fn;k tk,xk A izkjehk es dsuæh; ljdkj dh ek= 26 ;kstuk, blds vrxzr vk,xh A ls,yihth ç;ksxdrkzvks dks,d ik;yv ;kstuk ds vrxzr vkffkzd lgk;rk ds :i es izfriwfrz dh tk,xh A çr;{k ykhk vrj.k ;kstuk ds rgr Hkkjr ljdkj Nk=o`fÙk rfkk vkffkzd lgk;rk lh/ks gh igpku fd, x, ykhkkffkz;ks ds csd [kkrks es tek djk,xh A bl ç.kkyh ls ykhkkffkz;ks dks ykhk bysdvªkfud vrj.k }kjk fcuk fdlh nsjh rfkk b/kj&m/kj tk;s fcuk gh lh/ks çkir gksxk A MhchVh ds cgqr ls mís'; gs tsls lgh y{;] Mh&MqIyhds'ku] /kks[kk/km+h,o Hkz"Vkpkj es deh lwpuk,o fuf/k ds lqxe vkokxeu gsrq ;kstukvks dh jh&bthfu;fjx vksj vf/kd mùkjnkf;ro rfkk vkffkzd lgk;rk ds vurj.k ds nq:i;ksx es deh ykuk A csd ifjn`'; es MhchVh ;kstuk vxz.kh csd dk;kzy;ks ds ek/;e ls 'kq: dh tk jgh gs A csd ds vxz.kh csd dk;kzy; 60 ftyks es mùkjnkf;ro fuhkk jgs gs mues ls 43 ik;yv ftyks es ls 6 çfke pj.k es iwjs dj fy, tk;s xs tcfd vu; 5 f}rh; pj.k es vxz.kh csd ds rgr iwjs fd, tk,xsa vxz.kh csd bldk /;kku j[ksxs fd MhchVh ykhkkffkz;ks ds [kkrs [kksys tk;s rfkk ;g Hkh /;ku j[ksxs fd og ij csd dh 'kk[kk, gks rfkk xzkgd lqxerk ls vkffkzd lgk;rk dh jde vius [kkrks ls fudky lds A fctusl d jliksums.v ¼chlh½ ds :i es lkeku; lsok dsuæ ¼lh,llh½ cm+h l[;k es fctusl d jliks sums.v dh fu;qfä csd dh vko';drk dks ns[krs gq, dh xbz gsa csd us esllz lh,llh bz xozusul lfozlst bf.m;k fyfevsm ds lkfk djkj fd;k gs A Hkkjr ljdkj ds lwpuk çks ksfxdh fohkkx,lihoh gs ftudh lsok, xzkeh.k {ks= es yh tk,xh A csd us igys gh 700 lh,llh dks lsok fcunq ds :i es dk;z djus ds fy, igpku dh gsa chlh LFkkuks ij v uykbzu ysu&nsu ch-lh- LFkkuks ij ysu&nsu dks lqn`<+ cukus ds fy,,d ç;kl tkjh gsa csd us vc oklrfod le; vk/kkfjr v uykbzu eksm es ysu&nsu dh lqfo/kk ;qä fd;ksld csfdx lek/kku gkfly dj yh gs A ;g xksj djus yk;d gs fd blls ch-lh- LFkkuks ij csd fctusl vo'; c<+ sxka v. vkflr xq.koùkk lhkh xsj fu"ikfnr vkflr;ks ¼,uih,½ [kkrs es fof'k"v ldyi j.kuhfr;ks dks ykxw fd;k x;k vksj çxfr dh fu;fer :i ls fuxjkuh dh xbz A gkbz osy;w,uih, ¼` 50 yk[k vksj vf/kd cdk;k½ es olwyh dh lkirkfgd çxfr ij utj j[kh xbz vksj 'kh"kz çc/ku ds le{k çlrqr fd;k x;k A enh dh flfkfr dh fujrjrk dks /;ku es j[krs gq, vuqekfur udnh çokg dks cuk, j[kus es muds fu;=.k ls ckgj oklrfod lel;kvks dk lkeuk dj jgs m/kkjdrkzvks dks VSfxx O;oLFkk çnku dh xbz vksj fu"ikfnr Js.kh Direct Benefit Trnsfer (DBT) Scheme Government of Indi hs come out with guidelines for Direct Benefit Trnsfer w.e.f Initilly it hs been implemented in 43 pilot districts to be followed by 78 districts w.e.f DBT will be extended in phsed mnner to cover the whole country. To begin with only 26 schemes of centrl government re being covered. The pilot to reimburse the subsidy mount to LPG users is to be lunched w.e.f Under the Direct Benefit Trnsfer (DBT), Government trnsfers csh benefits like scholrships nd subsidies directly to the Bnk ccounts of identified beneficiries. This system ensures electronic trnsfer of benefits to beneficiries' ccounts, hence cutting down delys nd diversions. There re vrious objectives of DBT like ccurte trgeting, De-dupliction, Reduction of Frud nd corruption, Process Re-engineering of schemes for simpler flow of informtion nd funds, greter ccountbility nd elimintion of wstes in subsidy trnsfer. From the Bnking perspective, the DBT Scheme is being implemented through the Led Bnk Offices. The Bnk hs led Bnk responsibility in 60 districts, out of which 6 re mongst the 43 pilot districts covered under Phse I, while Bnk is the Led Bnk in nother 5 under Phse II. The Led Bnks re overseeing the process of opening the ccounts of DBT beneficiries nd ensuring tht bnking outlets re vilble to them so tht they cn withdrw the subsidy mount from their ccount. Common Service Centers (CSCs) s BC In view of our requirement to engge lrge number of BC Agents, the Bnk hs entered into greement with M/s CSC e Governnce Services Indi Ltd., SPV of Deptt. of Informtion & Technology, Government of Indi, to use their Common Service Centers (CSCs) for providing bnking services in the villges. Bnk hs lredy identified bout 700 CSCs for engging them s Business Correspondents/ Customer Service Points. On-line Trnsctions t BC Loctions In move to strengthen our opertions t the BC loctions, the Bnk hs now cquired the KIOSK Bnking Solution which fcilittes trnsctions in on-line mode on rel time bsis. It is envisged tht this will give boost to Bnk's business t the BC loctions. v. ASSET QUALITY In ll Non-Performing Assets (NPAs), ccount-specific resolution strtegies were implemented nd progress ws monitored regulrly. Weekly progress of recovery in High Vlue NPAs (outstnding ` 50 lkh nd bove) ws monitored nd plced before Top Mngement. In view of continuing recessionry conditions borrowers fcing genuine problems were provided tgging rrngements to fcilitte their up-grdtion to performing ctegory. 31

34 es muu;u dh lqfo/kk çnku dh xbz A,uih, ls fuivus ds fy, vkeus&lkeus csbd ds ek/;e ls dks,d vksj egroiw.kz j.kuhfr ds :i es viuk;k x;k A fofhkuu HkkSxksfyd LFkkuks es fo'ks"k olwyh vfhk;ku ¼_.k eqfä f'kfoj½ 'kq# fd, x, ftles [kkrs ds lek/kku ds fy, eksds ij fu.kz; ysus ds fy, emy dk;kzy; vksj QhYM egkçcu/kd dk;kzy; ds ofj"b vf/kdkfj;ks us O;fäxr #i ls Hkkx fy;k A mijksä ds ifj.kkelo#i,uih, fu;f=r Fks vksj bues flrecj] 12 ls frekgh nj frekgh fujurj deh ntz dh tk jgh gs A dks cdk;k dqy,uih, ` djksm+ Fks tks fnlcj 12 ds Lrj] vfkkzr~ ` djksm+ vksj flrecj 12 vfkkzr~ ` djksm+ ls de gsa eq[; :i ls vkffkzd enh tsls fofhkuu dkj.kks dh otg ls cm+s isekus ij gksus okyh flyist dks jksdus ds fy;s csd dks o"kz ds nksjku viuh j.kuhfr es chp es gh ifjorzu djuk im+k vksj o"kz ds nksjku,uih, es flyi dj x;s [kkrks dks Qksdl fd;k x;k rkfd,uih, flyist vksj,uih, fjdojh] nksuks LVªheks dk çc/ku fd;k tk lds A çkir ifj.kkeks ls gekjs }kjk fd;s x;s ç;klks dh iqf"v gksrh gs D;ksfd csd finyh nks frekfg;ks ds nksjku vius dqy,uih, es deh djus es lqy jgk A tcfd] o"kz ds nksjku ` djksm+ dh olwyh ntz dh xbz] dsoy ` djksm+ dh jkf'k okf"kzd flfkfr es ds :i es ifjyf{kr gks ikbz D;ksfd olwyh ds ` 5] djksm pkyw o"kz dh flyist ls lcf/kr gs A bl çdkj] pkyw o"kz dh flyist ds 47-74% dks gh o"kz ds nksjku gsmy fd;k x;k gsa csd us forrh; lsok, fohkkx] foùk e=ky; dks çlrqr dh xbz lcf/kr fooj.kh ds vrxzr ds'k olwyh y{;ks es vksojvky fjmd'ku] vi&xzsms'ku] y l vlsv~l es olwyh dk 97% ikj dj fy;k gs A csd us,uih, ds lek/kku ds fy, fo'ks"k 'kk[kkvks] tks,lsv fjdojh esustes V 'kk[kkvks ¼,vkj,ech½ vksj Lis'ky,lsV fjdojh lsy ¼,l,vkjlh½ ds :i es tkuh tkrh gs] dh LFkkiuk dh gs A vkt dh frffk es 17,vkj,ech vksj 34,l,vkjlh dk;z dj jgs gs A blds vykok] o"kz ds nksjku fueufyf[kr dne mbk, x, A 1-,uih, es olwyh vksj [kkrks dks cun djus es LVkQ lnl;ks ds lg;ksx ds fy, ßç;klß LVkQ çksrlkgu ;kstuk dks tkjh j[kk x;ka 2-,d djksm+ rd ds [kkrks ds fy,,vkjlh vksj lleeku lsokfuo`ùk csd vf/kdkfj;ks lfgr lek/kku,tsvks dh deh'ku ds vk/kkj ij fu;qfä dh xbz A 3-,vkj,ech dh eksds ij folr`r leh{kk vksj muds lq/kkj ds fy, çhkkx ds ofj"b dk;zikydks }kjk [kkrk fof'k"v uhfrxr ;kstuk 'kq: dh xbz A 4- _.k eqfä f'kfojks ls 10 yk[k #i;s rd ds NksVs ewy; ds,uih, es olwyh ds fy, olwyh dk okrkoj.k rs;kj gqvk A o"kz ds nksjku 5728 f'kfojks es 83]860 m/kkjdrkzvks us Hkkx fy;k ftlds ifj.kkelo#i vfu;fer [kkrks es ` 399 djksm+ dh udn olwyh dh xbz] [kkrks ftudh cdk;k jkf'k ` 607 djksm Fkh] dk LrjksUu;u fd;k x;k vksj cês [kkrs es Mkys x;s [kkrks es ` djksm dh olwyh dh xbz A Compromise/negotited settlement through one-to-one meetings ws dopted s strtegy to resolve NPAs. Specil recovery cmpigns (Rin Mukti Shivirs) were lunched in vrious geogrphicl loctions, where senior officers from Circle Office/ Hed Office nd FGMs prticipted for on-spot decisions. As result of bove, the level of NPAs ws contined nd these re showing consistent reduction on qurter to qurter bsis since September Outstnding Gross NPAs on were ` 13,466 crore which re below the level of Dec'12 i.e., ` 13,997 crore nd Sep'12, i.e., ` 14,024 crore. Lrge scle slippges during the yer for vrious resons, pre-dominntly economic slowdown led the Bnk to twek strtegy midwy during the yer to mnge the deluge nd focus more on ccounts slipped during the yer so s to mnge both strems of NPA slippges nd NPA Recoveries. The results hve vlidted our efforts s the Bnk mnged to reduce its Gross NPAs during the lst two qurters. While recovery of ` crore hs been recorded during the yer, only sum of ` crore got reflected in the nnulized position s n mount of ` crore of recovery reltes to the slippges of the current yer. Thus 47.74% of the slippges of the current yer hve been hndled during the yer itself. Bnk hs chieved trgets under Sttement of Intent submitted to DFS, Ministry of Finnce for Overll Reduction, Up-grdtion, Recovery in Loss ssets nd crossed 97% of Csh Recoveries trgets. Bnk hs set up specilized brnches known s Asset Recovery Mngement Brnches (ARMBs) nd specilized cells known s Specil Asset Recovery Cells (SARCs) which function exclusively for resolving NPAs. Bnk hs 17 ARMBs nd 34 SARCs re functioning s on dte. Further, following steps were tken during the yer: 1. Continuing "Prys" stff Incentive Scheme for ssocition of stff members for recovery in NPAs nd written off ccounts. 2 Enggement of Resolution Agents including ARCs nd honorbly retired bnk officils on commission bsis in ccounts up to ` 1 crore. 3 Drwing ccount specific strtegic pln by the Sr. Executives of the Division nd comprehensive on-the-spot review of ARMBs. 4. Rin Mukti Shivirs creted recovery climte for recovery in smll vlue NPAs up to ` 10 lc. During the yer in 5728 Shivirs, 83,860 borrowers prticipted resulting in csh recovery to the tune of ` 399 crore, upgrdtion of 36,227 ccounts with Blnce Outstnding of ` 607 crore nd recovery of ` crore in Written Off ccounts. 32

35 5-,uih, [kkrks ds 'kh?kz lek/kku ds fy, vksvh,l vk;kstu fd;k x;k ftlds nksjku [kkrks dks vuqeksfnr fd;k x;k A 6-,d djksm+ vksj mlls vf/kd ds,uih, m/kkjdrkzvks ls vkfn ij Rofjr fu.kz; ds fy,,qth,e ç/kku dk;kzy; es vkeus&lkeus csbd dh xbz A ` djksm+ dh ldy cdk;k jkf'k ds [kkrks dks ekud Js.kh es vixzsm fd;k x;k A,uih, [kkrks es ` djksm+ dh jkf'k dh udn olwyh dh xbza vpnh rjg ls ifjhkkf"kr olwyh uhfr ds ek/;e ls le>ksrk ckrphr ds tfj;s ` djksm+ dh jkf'k ds,uih, çlrkoks dks lqy>k;k x;k A o"kz 2012&13 ds nksjku csd us igys ls cês es Mkys x, [kkrks ls ` djksm+ dh olwyh dh A d- vks ksfxd iquokzl csd us lhkkfor :i ls O;ogk;Z chekj bdkb;ks ds iquokzl dh fn'kk es _.k iquxzbu }kjk vks ksfxd {ks= ds fy, cgqr vko';d jkgr çnku djus ds vius ç;klks dks tkjh j[kk A [k- fuxfer _.k iqulzjpuk ¼lhMhvkj½ csfdx ds rgr _.k lqfo/kkvks dk ykhk mbkus okys O;ogk;Z difu;ks dks le;c) _.k iqulzjpuk lqfuf'pr djus ds fy,,d ikjn'khz O;oLFkk lhmhvkj ç.kkyh ds rgr cukbz xbz gs A o"kz 2012&13 ds nksjku] ` djksm+ cdk;k ds 42 [kkrks dk lhmhvkj ds rgr iqulzjpuk fd;k x;k A 42 iquxzfbr [kkrks es 13 [kkrks es ih,uch dks ekuhvfjx llfkk dh Hkwfedk lksih xbz gs A x- y?kq vksj e>ksys m eks ds fy, _.k iquxzbu r= csd us o"kz 2005&06 ds ckn ls lhmhvkj dh rjg y?kq vksj e/;e m eks ds fy, _.k iquxzbu r= ¼,l,ebZ ds fy, Mhvkj,e½ dks viuk;k gs A oklrfod lel;kvks dk lkeuk dj jgs,l,ebz dh cdk;k jkf'k dk le; ij iquxzbu lqfuf'pr fd;k tkrk gs A o"kz 2012&13 ds nksjku] csd }kjk ` djksm+ dh cdk;k ds dqy 109 [kkrks dk iquxzbu fd;k x;k gs A?k- iqulzjpuk&vu; csd }kjk mu ekeyks ds fy, ftugs,l,ebz ds fy, ds rgr doj ugh fd;k tk ldrk] tks muds fu;=.k ls ckgj dkj.kks ls vlfkk;h lel;kvks dk lkeuk dj jgs gs] lhkko; vfkz{ke bdkb;ks ds dtz dk iquxzbu djus ds fy,,d ikjn'khz O;oLFkk rs;kj dh xbz gs A o"kz 2012&13 ds nksjku] ` 7832 djksm+ dh jkf'k ds dqy 149 [kkrks dks bl Js.kh ds vrxzr iqufuz/kkzfjr fd;k x;k A 4- tksf[ke çc/ku csd dh tksf[ke çc/ku n'kzu,o uhfr csd ds n`f"vdks.k dk ewrz:i gs ftlls mik;ks dks le>k tk lds,o tksf[keks dk çc/ku fd;k tk lds rfkk nq:lr vkflr iksvzqksfy;ks ds fodkl dks lqfuf'pr djus dk y{; ik;k tk ldsa ;g csd }kjk lqfok mriknks rfkk [kmks es usr`ro n`f"vdks.k dks viukus ds fy, vfr vko';d gksxk A lhfer,dlikstj rfkk b"vre ykhk ds }kjk mpp tksf[ke {ks=ks es,d uoksues"kh n`f"vdks.k izkjehk fd;k gsa 5. OTS ws used for fster resolution of NPAs nd OTS in 57,150 ccounts ws pproved. 6. One-to-one meeting with NPA borrowers of ` 1 crore nd bove t FGMO/ HO level were held for quick decision on recovery/restructuring etc. Accounts with ggregte outstnding of ` crore were upgrded to stndrd ctegory. Totl csh recoveries in NPA ccounts mounted to ` crore. With well defined recovery policy, NPAs mounting to ` crore were resolved through negotited settlements. During the yer , Bnk recovered ` crore out of ccounts erlier written off.. Industril Rehbilittion Bnk continued its efforts towrds rehbilittion of potentilly vible sick units to provide the much needed relief to industril sector. b. Corporte Debt Restructuring (CDR) To ensure timely restructuring of the debt of vible corportes viling credit fcilities under consortium/multiple bnking, trnsprent mechnism is formed under CDR system. During the yer , 42 ccounts with outstnding of ` crore were restructured under CDR. Out of the 42 restructured ccounts, the Bnk hs been ssigned the role of Monitoring Institution in 13 ccounts. c. Debt Restructuring Mechnism for Smll nd Medium Enterprises Bnk hs lredy dopted Debt Restructuring Mechnism for Smll nd medium Enterprises (DRM for SMEs) on the line of CDR since the yer Timely restructuring of dues of SMEs fcing genuine problems is ensured. During the yer , the Bnk hs restructured 109 ccounts with ggregte outstnding of ` crore. d. Restructuring-Others Bnk hs lso put in plce trnsprent mechnism for restructuring of debts of potentilly vible units, which re fcing temporry problems due to fctors beyond their control even for cses which cnnot be covered under BIFR/ CDR/ DRM for SMEs. During the yer , 149 ccounts involving ` 7832 crore were restructured/rescheduled under this ctegory. 4. Risk Mngement The risk mngement philosophy nd policy of the Bnk is n embodiment of the Bnk's pproch to understnd, mesure nd mnge risk nd ims t ensuring sustined growth of helthy sset portfolio. This would entil dopting ledership pproch in products nd segments well understood by the Bnk. An innovtive pproch is undertken in high-risk res by tking limited exposure 33

36 ;g ih,uch ds cktkj 'ks;j es lq/kkj djus ds fy, rfkk mlds ckn 'ks;jèkkjd ewy; dks vf/kdre djus ds fy, fd;k x;k gsa csd us ØsfMV tksf[ke ÝseodZ dks etcwr fd;k gs vksj dsuæh; lozj vk/kkfjr ç.kkyh ^*ih,uch VªSd** ij ØsfMV tksf[ke ewy;kdu e Myks dks çlrqr fd;k gs A ;g xzkgd ds ØsfMV tksf[ke ewy;kdu ds fy;s oskkfud vk/kkj i)fr miyc/k djkrk gsa ewy;kdu e Myks ds vkof/kd os/krk ç;ksx dks vkjhk fd;k x;k gs vksj ewy;kdu çolu rfkk pwd nj fo'ys"k.k ewy;kdu ekmyks dh lqn`<+rk ds ijh{k.k ds fy;s dk;kzfuor fd;s tkrs gsa blds vfrfjdr] vkrfjd ewy;kdu xzsm ds lkfk&lkfk ckgjh jsfvx,ts fl;ks ds xzsm dh esfix dk dk;z Hkh 'kq: dj fn;k x;k gs A jsfvx e Myks dk mriknu csd ¼ØsfMV iksvzqksfy;ks dh ;kuh etwjh] ewy; fu/kkzj.k vksj fuxjkuh½ ds fu.kz; ysus es ç;ksx fd;k tkrk gs A csd us de tksf[ke] e/;e tksf[ke rfkk mpp tksf[ke Jsf.k;ks ds vuqlkj iksvzqksfy;ks forj.k dh fu;fer :i ls fuxjkuh djrk gs vksj mls cksmz dh tksf[ke izc/ku lfefr ds le{k izlrqr fd;k tkrk gsa csd us fjvsy csfdx rfkk,l,ebz {ks= vfxzeks ds lc/k es lsuvªy lozj ØsfMV Ldksfjx e My dks izlrqr fd;k gs A bu çfø;kvks ls csd dks enn feyh gs fd _.kks dk tynh vksj lgh forj.k fd;k tk lds A QkeZ {ks= _.kks ds fy;s Hkh Ldksfjx e My fodflr fd;k x;k gs A csd ds ikl cktkj tksf[ke çc/ku dk;ksz ds fy, lqifjhkkf"kr lxbukred ljpuk gsa ;g cktkj tksf[ke vfkkzr~ C;kt nj tksf[ke] fons'kh fofue; tksf[ke] rjyrk tksf[ke ds lewps çc/ku dh çfø;k dks ns[krk gsa nckc ijh{k.k] vof/k] l'kksf/kr vof/k] oh,vkj tsls midj.kks dks Vªstjh ifjpkyuks es tksf[keks dk çcu/ku djus es ç;qä fd;k tk jgk gsa csd us fofhkuu fuos'k lhek dh oklrfod le; vk/kkfjr fuxjkuh 'kq: dj nh gs A vkflr ns;rk çc/ku cs d dh vkflr ns;rk çc/ku fdlh çdkj dh lhkko;rk dh O;oLFkk ds fy;s lfø; vk/kkj ij fd;k tkrk gsa ; fi ç.kkyh es rjyrk flfkfr o"kz ds nksjku dfbu jgh rfkkfi lfø; rjyrk çc/ku ds ek/;e tsls jsiks vkfn fofhkuu fu/kkzfjr midj.kks ls cs d dh rjyrk flfkfr ls fuivus es lqy jgk A cs d dh rjyrk vpnh flfkfr es gs A lewps 'kk[kk usvodz dks doj djus okys dksj cs fdx lky;w'ku ¼lhch,l½ ds lkfk] lhkh vkflr;ks,o ns;rkvks ds lc/k es vkflr,o ns;rk çcu/ku nsfud vk/kkj ij fd;k tk jgk gsa blds vykok vkflr;ks,o ns;rkvks ds mriknks ds lc/k es nj rfkk C;kt njks dk fu/kkzj.k oskkfud vk/kkj ij fd;k tkrk gsa cs d us 01 tqykbz 2010 ls u, _.kks dh _.kks ds uohdj.k ds fy, chih,yvkj ls csl nj ç.kkyh es ifjorzu dj fn;k gs A ifjpkyuxr tksf[ke çcu/ku csd us ifjpkyuxr tksf[ke çc/ku dk;ksz gsrq lqifjhkkf"kr lxbukred <kpk LFkkfir fd;k gs] tks ifjpkyuxr tksf[ke ds lexz çc/ku dh çfø;k ns[krk gsa csd ds ikl etcwr ifjpkyuxr tksf[ke çc/ku ÝseodZ vksj lqifjhkkf"kr vksvkj,e i fylh gs A csd ijijkxr gkfu MkVk ds fo'ys"k.k] tksf[ke vksj fu;=.k Lo&fu/kkZj.k losz{k.k ¼vkjlh,l,,l½] egroiw.kz tksf[ke lwpdks ¼dsvkjvkbZ,l½ vksj ifjn`'; fo'ys"k.k }kjk ifjpkyuxr tksf[keks dh igpku] vuqeku] fuxjkuh vksj dj jgk gs A csd us bvjçkbt okbm MsVk os;jgkml çkstsdv ds vrxzr,d v uykbu ifjpkyuxr tksf[ke l Y;w'ku Hkh ykxw fd;k gs vksj MsVk nd optimizing return. This is done to improve PNB's mrket shre nd thereby mximize shreholders' vlue. The Bnk hs robust credit risk frmework nd hs lredy plced credit risk rting models on centrl server bsed system clled 'PNB TRAC'. This provides scientific method for ssessing credit risk rting of client. Bnk is undertking periodic vlidtion exercise of its rting models. It lso conducts migrtion nd defult rte nlysis to test robustness of its rting models. Further, the mpping of internl rting grdes vis-à-vis externl rting gencies' grdes hs been undertken. The output of the rting models is used in the decision mking of the bnk (i.e. snction, pricing nd monitoring of credit portfolio). The Bnk regulrly monitors portfolio distribution in terms of Low Risk, Medium Risk nd High Risk ctegories nd plces the sme to the Risk Mngement Committee of the Bord. The Bnk plced on centrl server scoring models in respect of retil bnking nd SME sector dvnces. These processes hve helped the Bnk to chieve quick nd ccurte delivery of credit. The scoring model for frm sector hs lso been developed. The Bnk hs well-defined orgniztionl structure for mrket risk mngement. This tkes cre of overll mngement of mrket risk viz. interest rte risk nd foreign exchnge risk. Tools e.g. stress testing, durtion, modified durtion, VR, etc. re being used in mnging risk. The Bnk hs strted monitoring vrious investment limits on rel time bsis. Asset Libility Mngement Asset libility mngement of the Bnk is done on proctive bsis to mnge ny eventulity. Although liquidity position in the system remined tight during the yer, the Bnk mnged to tide over the sitution through proctive liquidity mngement through vrious prescribed tools like Repo etc. The liquidity sitution of the bnk is now comfortble. With Core Bnking Solution (CBS) covering entire brnch network, the Asset Libility Mngement in respect of ll ssets nd libilities is being done on dily bsis. Moreover, fixtion of BPLR/Bse rte nd interest rtes in respect of ssets nd libilities products is done on scientific bsis. The Bnk hs moved from BPLR to Bse Rte System for pricing of fresh lons/ renewls of existing with effect from Opertionl Risk Mngement Bnk hs in plce well-defined orgniztionl structure for opertionl risk mngement functions, which looks into the process of overll mngement of opertionl risk. Bnk hs robust opertionl risk mngement frmework with well-defined ORM Policy. Bnk is identifying, mesuring, monitoring nd controlling/ mitigting the opertionl risk by nlyzing historicl loss dt, Risk nd Control Self Assessment Surveys (RCSAs), Key Risk Indictors (KRIs) nd Scenrio Anlysis etc. Bnk lso introduced n online Opertionl Risk Solution under Enterprise wide Dt Wrehouse Project nd plced it on centrl server to tke cre of 34

37 dsipfjx ds fofhkuu igyqvks vksj fofhkuu Lrjks ij çc/k lwpuk ç.kkyh dk /;ku j[kus ds fy, mls dsuæh; lozj ij j[kk gs A,d foosdiw.kz tksf[ke çc/ku ds vh;kl ds :i es] lgdehz csdks ds v ijs'kuy fjld esustesv ÝseodZ dk v/;;u gekjs fllve ij lq/kkj djus ds fy, bu csdks ds mu yksxks ds lkfk gekjs çc/ku ÝseodZ rqyuk djus ds fy, fd;k x;k Fkkfofu;ked ekxzfunsz'k csd us ekpz 2008 ls u, iwth i;kzirrk <kps ¼,ulh,,Q½ tks fd lkeku;r;k csly&aa ds :i es tkuk tkrk gs] es vrfjr fd;k gs vksj fofu;ked }kjk fu/kkzfjr n`f"vdks.k vfkkzr~ _.k tksf[ke ds vrxzr ekudhd`r n`f"vdks.k vksj ifjpkyured tksf[ke ds vrxzr ewy ldsrd n`f"vdks.k dks dk;kzfuor dj fn;k x;k gs A csd us ekdszv tksf[ke ds fy, ekpz] 2006 ls ekud vof/k n`f"vdks.k dks viuk;k gs A Hkkjrh; fjtoz csd ds fn'kkfunsz'kks ds vuqlkj] lcf/kr tksf[ke izc/ku uhfr;k tsls tksf[ke izcèku n'kzu vksj uhfr] _.k izc/ku,o tksf[ke uhfr] fuos'k uhfr ],,y,e ikwfylh] ifjpkyukred tksf[ke izc/ku uhfr] esfix fcftusl ds fy, uhfr] vkmvlksflz x] dkjksckj fujrjrk uhfr] _.k tksf[ke vyihdj.k,o likf'kzod çc/ku i fylh] vkurfjd iw th i;kzirrk fu/kkzj.k izfd;k ¼vkbZlh,,ih½ nlrkost] ruko ijh{k.k uhfr vkfn tslh lxr uhfr;ks dks cksmz }kjk vuqeksfnr fd;k x;k vksj vc dk;kzfuor dj fn;k x;k gs A csd fofhkuu tksf[keks ds çc/ku ds fy, muur n`f"vdks.k dks viukus ij dk;z dj jgk gs vksj fofhkuu tksf[keks ds vkdyu dk dk;z py jgk gsa csd us igys gh ifjpkyuxr tksf[ke ds vrxzr ßekudhd`r n`f"vdks.kß es vrj.k gsrq vuqeksnu çkir dj fy;k gs A gekjk csd] ifjpkyuxr tksf[ke ds vrxzr Vh,l, dks viukus dk vuqeksnu çkir djus okyk Hkkjr es igyk csd gsa _.k tksf[ke] cktkj tksf[ke vksj v ijs'kuy fjld ds muur rjhdks dks viukus ds fy, vk'k; dk i= vfkkzr QkmMs'ku vkrfjd ewy;kdu vk/kkfjr n`f"vdks.k ¼,QkvkbZvkjch½] vkrfjd e My n`f"vdks.k ¼vkbZ,e,½ vksj,mokl ekiu n`f"vdks.k ¼,,e,½ Øe'k% fu;ked dks çlrqr fd;k x;k gs A bl lc/k es lhkh vko';d dkjzokbz 'kq: dj nh xbz gs A vu; csd us viuh tksf[ke çcu/ku ç.kkyh ds ekeys es cká ys[kk ijh{kk dh igy dh gs vksj esllz dsih,eth bldk vk;kstu djrk gs A ^tksf[ke çc/ku vksj /kks[kk/km+h tkp^ ij l;qä :i ls,d vrjjk"vªh; leesyu vk;ksftr fd;k x;k Fkk A fofhkuu jk"vªh; vksj vrjjk"vªh; lxbuks ls ç[;kr oäkvks us fo"k; ij viuk O;k[;ku fn;k A cm+h l[;k es turk ds lkfk&lkfk ns'k ds futh {ks= ds csdks ds 'kh"kz vf/kdkfj;ks us çfrfuf/k;ks ds :i es Hkkx fy;k A csd us lwpuk lqj{kk] bysdvª fud csfdx] çks ksfxdh tksf[ke çc/ku rfkk lkbcj /kks[kk/km+h] csdks ds lwpuk lqj{kk lsvvi dks etcwr cukus ds fy, fu;ked }kjk tkjh igyh O;kid fn'kkfuns Z'k ij xksikyd`".k lfefr dh flqkfj'kks ds dk;kzuo;u dk dk;z 'kq# dj fn;k gs A bl fn'kk es dk;z djrs gq, csd us fofhkuu vrious spects of dt cpturing nd mngement informtion system t vrious levels. As prudent risk mngement prctice, study of Opertionl Risk Mngement Frmework of peer bnks ws undertken to compre our Mngement Frmework with those of these bnks to improve upon our system. Regultory Guidelines Bnk hs migrted to New Cpitl Adequcy Frmework (NCAF), populrly known s Bsel II w.e.f. Mrch 2008 nd pproches prescribed by the 'Regultor,' nmely Stndrdized Approch under Credit Risk nd Bsic Indictor Approch under Opertionl Risk hve been implemented. Stndrd Durtion Approch for Mrket risk hd been dopted by the Bnk since Mrch As per the requirements of the regultory guidelines, relevnt risk mngement policies such s Risk Mngement Philosophy nd Policy, Credit Mngement nd Risk policy, Investment policy, ALM policy, Opertionl Risk Mngement policy, Policy for Mpping Business Lines/Activities, Outsourcing Policy, Business Continuity Policy, Credit Risk Mitigtion nd Collterl Mngement Policy, Internl Cpitl Adequcy Assessment Process (ICAAP) Document, Stress Testing Policy, etc. hve been pproved by the Bord nd hve since been implemented. The Bnk is gering itself to dopt the dvnced pproches in due course of time under different risks nd the estimtion of vrious risk elements is lredy in progress. The Bnk hs lredy got n pprovl for migrtion to "The Stndrdized Approch" under Opertionl Risk on prllel run bsis. PNB is the first bnk in Indi to get n pprovl for migrting to 'The Stndrdized Approch' for Opertionl Risk. The letter of Intent for migrting to dvnced pproches of Credit Risk, Mrket Risk nd Opertionl Risk viz. Foundtion Internl Rting Bsed Approch (FIRB), Internl Model Approch (IMA) nd Advnce Mesurement Approch (AMA) respectively hve been submitted to regultor. All the necessry ctions required in this regrd hve been initited. Others Bnk hs tken n inititive in terms of externl udit of its Risk Mngement System nd M/s KPMG is conducting the sme. An interntionl conference on 'Risk Mngement nd Frud Detection' ws jointly orgnized with Centrl Bnk of Indi. Eminent spekers from vrious ntionl nd interntionl orgniztions delivered their lectures on the topic. Top brss of mjor public s well s privte sector bnks of the country took prt s delegtes in the event. Bnk hs tken up the implementtion of Goplkrishn Committee recommendtions on Informtion Security, Electronic Bnking, Technology Risk Mngement nd Cyber Fruds, the first comprehensive guideline issued by the regultor for strengthening the informtion security setup of Bnks. Working towrds it, Bnk hs tken 35

38 rjhds tsls fuxjkuh lwpuk lqj{kk ds fy,,d lwpuk lqj{kk lpkyu lfefr dk xbu] vkbzvh dh ßlsok ewy;kduß ds fy, çksvksvkbi VsEiysV dh rs;kjh dk xbu djus tsls ifj;kstuk ds çn'kzu dks ekius vksj ewy;kdu djus ds fy, vkbzvh 'ks"k LdksjdkMZ dk;zç.kkyh fmtkbu] ifj;kstuk ewy;kdu djus ds fy, lgk;rk ifj;kstukvks] lozj detksfj;ks vkfn ls eqä jgus dks lqfuf'pr djus ds fy, isp çc/ku dk dk;kzuo;u 'kq# dj fn;k gs A fu;ked }kjk tkjh csly III ds fn'kk funs Z'kks ds rgr vko';drk ds :i es csd ds fofhkuu çko/kkuks dks ykxw djus ds fy, vko';d dne mbk, gs A csly III ds rgr fofhkuu vko';drkvks dks /;ku es j[krs gq, iwth ;kstuk rs;kj dh tk jgh gs A 5- ih,uch çxfr csd us,d cm+ s Lrj ij :ikurj.k vh;kl] ih,uch çxfr 'kq: fd;k ftles eq[; rhu LrEHkks&ifjpkyu mrd`"vrk] ekuo llk/ku :ikrj,o uohu O;kolkf;d igy ij Qksdl djrs gq, tuojh 2012 es ;g dk;z 'kq: fd;k A finys o"kz csd dh ewyhkwr :i ls :ikurj.k djus ds fy, dbz u, dk;z 'kq: fd, x,a bl dk;z dks iwjk djus ds fy, fo'ofo[;kr okslvu dlyvsulh lewg ¼chlhth½ dh lsok, yh xbza çxfr ds mís'; çxfr dk eq[; mís'; lsok m ksx es çpkyu mrd`"vrk vksj viuh xzkgd lsok ds cspekdz dks lokszrd`"v djrs gq, Hkkoh fodkl ds fy;s viuh {kerkvks es o`f) djuk gsa fofhkuu LrEHkks ds vrxzr çxfr dk lf{kir fooj.k fueu çdkj gs %& ifjpkyu mrd`"vrk çxfr fllve 350 ls vf/kd 'kk[kkvks es 'kq: fd;k tk pqdk gsa çxfr 'kk[kk ds iqu% ifjektzu dk;zøe us rhu eq[; mís';ks dks izkir fd;k gs& 'kk[kk dh HkhM+HkkM+ dks de djuk] xzkgd lsok dks csgrj cukuk,o fcøh es xfr'khyrk ykuka çxfr ds vrxzr çks ksfxdh vk/kkfjr Lo; lsok {ks= tks fd udn tek e'khu] psd tek e'khu,o ikl cqd Nkius okyh e'khuks ls lqlfttr gs] ds ek/;e ls xzkgd lrqf"v es geus o`f) dh gsa çxfr ykxw djus dk Lrj 6 Lrjh; fuxjkuh çek.ku ds }kjk e uhvj fd;k tk jgk gs tks bl çdkj ls gs 1&LVkj 'kk[kk ds vfhkfou;kl ¼ysvkmV½ dks iqu% fmtkbu djus ds fy, iqjldkj fn;k tkrk gs( 2&LVkj Hkwfedk ds iqufuz/kkj.k ds fy,( 3&LVkj lsok mrd`"vrk ds fy,( 4&LVkj lq/kkj dh çfø;k ds fy,( 5&LVkj dkjksckj dk;z fu"iknu ds fy,,o 7&LVkj 'kk[kk ds fo'ks"k xzkgd mueq[k ç.kkyh jh&buthfu;fjx ds fy,a vrious steps e.g. constituting n informtion security steering committee for monitoring informtion security, preprtion of prototype templte for "Service Vlution" of IT projects to id project evlution, designing IT Blnce Scorecrd methodology to mesure nd evlute the project performnce, implementtion of Ptch mngement to ensure tht the servers remin free from vulnerbilities etc. Bnk hs tken necessry steps to implement the vrious provisions s required under Bsel III guidelines issued by regultor. The cpitl plnning is being crried out keeping in view the vrious requirements under Bsel III. 5. PNB Prgti Bnk undertook lrge scle trnsformtion exercise, PNB Prgti, strting in Jnury 2012 focused round three key pillrs- Opertionl Excellence, HR Trnsformtion nd New Business Inititives. Over the lst yer severl inititives hve been lunched which re set to fundmentlly trnsform the Bnk. The services of Boston Consultncy Group (BCG) hve been used for this progrmme. Objective of Prgti The ultimte objective of Prgti is to enhnce cpcity for future growth to chieve opertionl excellence nd benchmrk our customer services with the best in the service industry. Brief sttus of Prgti Inititives under vrious pillrs is summrized below. Opertionl Excellence Prgti system hs been introduced in over 350 brnches. Prgti brnch revitliztion progrm estblished to chieve three key objectives - reduce brnch congestion, improve customer service nd drive sles. Under Prgti, Bnk hs lso enhnced customer stisfction through introduction of technology bsed Self Service Are, which is equipped with mchines like Csh Deposit Mchine, Cheque Deposit Mchine & Pss Book Updting Mchine. The level of Prgti implementtion is being closely monitored by 6 levels of certifiction: 1-Str being wrded for lyout redesign; 2-Str for role relignment; 3-Str for service excellence; 4-Str for process improvements, 5-Str for business performnce nd 7-str for Brnch specific customer oriented system re-engineering. 36

39 fjvsy vlsv 'kk[kk, ¼vkj,ch½ lhkh 75 fjvsy vlsv 'kk[kk,],d ekudhd`r fu/kkzfjr le; es] dkj _.k] vkokl _.k] vpy leifùk _.k,o lsok çnkrkvks dks _.k çnku djus ds dk;z dks ljy cukus ds fy, dk;z dj jgh gsa fmyhojh fllve dks lq/kkjus ds fy, iwoz vuqeksnu dks 'kq: djuk rfkk dsuæh;d`r çiksty Vªsfdx fllve ¼lhihVh,l½ ds }kjk Lohd`fr çnku djus dh çfø;k dks 'kq: fd;k x;k gsa fjvsy,lsv 'kk[kvks es ekdszfvx QkslZ dks ln`<+ fd;k x;k gs vksj?kj&?kj tkdj vkosndks dks lsok çnku djus ds fy, rfkk dlvej ikbv osjhfqds'ku,ts Mks dh 'kq:vkr dh xbz gsa ekuo llk/ku :ikrj.k ^*es ih,uch gw ** dk;zøe dk çf'k{k.k csd ds lhkh dezpkfj;ks dks bl mís'; ds lkfk fn;k x;k gs fd os xzkgd ds çfr xehkhj jgs rfkk csd ds çfr xoz eglwl djus dh vius es Hkkouk isnk djsa csd es HkrhZ çfø;k,o cksfmzx dk;z rfkk Ldsy&A vf/kdkfj;ks dh HkrhZ dh çfø;k gsrq euhiky ;wfuoflzvh ds lkfk lk>snkjh dh gsa orzeku es 200 fo kffkz;ks ds nks csp çf'k{k.k çkir dj jgs gsa usr`ro fodkl Qksje dh LFkkiuk ofj"b vf/kdkfj;ks,o _.k mpp çcu/ku oxz ds vf/kdkfj;ks ds çcu/kdh; fodkl,o vuqøfed vk;kstuk ds fglls ds :i es dh xbz gsa osdfyid fmyhojh psuy,vh,e mifjdky miyc/krk dks 75% ls 90% ls vf/kd djus] xzkgdksueq[kh dk;z&fø;kredrk] ;Fkk v u&ykbu ithdj.k ds lkfk,d ubz bvjusv csfdx ;wtj bvjqsl rfkk eksckby lqfo/kkvks ds }kjk osdfyid fmyhojh psuyks us vf/kd dq'ky lsok, çnku dh gsa xzkgdks ls O;ogkj djus rfkk pqfuunk 'kk[kkvks ds xzkgdks dks lh/ks gh dky lsuvj igq p cukus gsrq dkylsvjks dk uohuhdj.k fd;k x;k gsa csd 'kk[kkvks ds ek/;e ls vxz.kh çcu/ku ds fy,,l,ih xzkgd lecu/k çcu/ku ¼lhvkj,e½ lek/kku dk ç;ksx dj jgk gsa çxfr ds,d Hkkx ds :i ls bl dks etcwrh çnku dh xbz ftlls fd xzkgd mrikn,o lsok, çkir djus ds fy, osdfyid psuy tsls b.vjusv csfdx lek/kku] eksckbzy csfdx],vh,e osclkbv vkfn dk ç;ksx vklkuh ls dj ldsa ekstwnk çfrli/khz ifjos'k es csfdx ds lhkh {ks=ks es csd dh miflfkfr es lq/kkj djus ds fy;s 'kk[kkvks dk iqufozu;kl],vh,e vi Vkbe] vkj,ch dh 'kk[kkvks dk Lrj,e,l,ebZ 'kk[kkvks dk Lrj mbkuk ih,uch çxfr dh çfø;k igy dk fgllk gs A Retil Asset Brnches (RAB) Working of ll 75 RABs stremlined with introduction of stndrdised Turn Around Time (TAT) for cr lon, housing lon, immoveble property lon nd lons to service providers. Tool for instnt pre-snction pprovl introduced nd Centrlised Proposl Trcking System(CPTS) put in plce to improve delivery. Mrketing force t RABs strengthened nd Customer Point Verifiction Agents (CPVA) introduced for doorstep service to pplicnts. HR Trnsformtion The "I m PNB" Progrmme reched out to ll the employees of the bnk to sensitise them towrds customers nd develop in them sense of pride in the bnk. As prt of recruiting nd on bording inititive, Bnk hs prtnered with Mnipl University to crete recruitment pipeline for Scle-I officers. Currently two btches of 200 students re undergoing trining. Ledership Development Forum hs been set up s prt of succession plnning nd mngeril development of officers in senior & top mngement cdre. Alternte Delivery Chnnels Alternte Delivery Chnnels hve rendered more efficient services by enhncing the uptime vilbility of ATMs from 75% to over 90%; lunching new Internet Bnking user interfce with customer centric functionlities like on-line registrtion nd mobile bnking/sms offerings. Revmping the Cll Centers to efficiently del with priority customers nd hot line implementtion in select brnches to enble customers to directly rech cll centre. Bnk hs been using SAP Customer Reltionship Mngement (CRM) solution for led mngement through brnches. As prt of Prgti inititive this pltform hs been strengthened to enble customers to seek products nd services on lternte delivery chnnels like Internet Bnking Solution, Mobile Bnking, ATM, Website etc. The process of PNB Prgti inititives in terms of brnch reconfigurtion, ATM uptime, up scling of RABs/specilised MSME brnches is on to crry forwrd the Trnsformtion Exercise for improving Bnk's visibility in ll spheres of bnking in the current competitive scenrio. 37

40 6- vurjkz"vªh; dkjksckj csd ds fu;kzr] vk;kr vksj foçs"k.k ls ldy fons'kh eqæk dkjksckj ekpz] 2012 es ` 1]21]259 djksm+ dh rqyuk es ] ekpz] 2013 es ` 1]43]003 djksm+ jgk ftles finys o"kz dh rqyuk es 17-93% dh o`f) ntz dh xbz A fons'kh eqæk ysu&nsu ds fy, csd us 184 'kk[kkvks dks çkf/kd`r fd;k gs ftues 1 fons'kh eqæk dk;kzy; Hkh 'kkfey gs rfkk flo V dusfdvfovh dh lqfo/kk miyc/k djkbz xbz gs A csd us vius xzkgdks dks O;kikfjd ysu&nsu dh lqfo/kk çnku djus ds fy, fo'ohkj es 599 ls vf/kd csdks dks vuqeksfnr fd;k gs A csd us vius xzkgdks dks lefizr lsok çnku djus ds fy, ns'k ds çeq[k dsuæks es 9 fo'ks"k vrjkz"vªh; csfdx 'kk[kk, Hkh LFkkfir dh gs A csd us fnyyh es O;kikj foùk gsrq,d vrjkz"vªh; lsok 'kk[kk vksj,d dsuæh;d`r csd vkfql [kksyk gs rkfd lhkh fons'kh foçs"k.kks dks 'kh?kzrk ls lpkfyr fd;k tk lds vksj nlrkostks dh çfø;k dks rhozrk ls fuivk;k tk lds A vurjkz"vªh; ;k=k dks lqfo/kktud cukus ds fy, cs d us ßoYMZ Vª soy dkmzß vkjhk fd;k gs tks ;w,lmh] thchih vksj ;wjks ewy;oxz es,d iwoz çnùk dkmz gs A vçoklh Hkkjrh;ks ds Hkkjr es gekjh fdlh Hkh 'kk[kk es [kksys x, [kkrks dks dsuæh;d`r djus vksj ikl cqd] psd cqd],vh,e MsfcV dkmz] bvjusv cs fdx lsokvks es rsth ykus ds mís'; ls fnyyh es,d csd v fql ¼bZ&cs½ LFkkfir fd;k x;k gsa fons'kh Hkkjrh;ks vkfn dks fons'kh eqæk SoylZ psd ds udnhdj.k dh lqfo/kk çnku djus ds fy, egroiw.kz i;zvu ds æks ij fofue; C;wjks Hkh LFkkfir fd, x, gs A vfuoklh Hkkjrh;ks }kjk Hksth tkus okyh jdeks dks lqxe cukus ds fy, csd us ikl #i;k vkgj.k O;oLFkk ¼vkj-Mh-,-½ ds lkfk gh] 29 fons'kh fofue; x`gks] [kkm+h ns'kks es nks csdks] flxkiqj es nks fons'kh fofue; x`gks] eysf'k;k es 1 fons'kh fofue; x`g gsa blds vykok csd ds ikl euhxzke ds lkfk eqnzk vurj.k lsok ;kstuk] oslvuz ;wfu;u ckbzbfm;k vkuykbzu MkWV dkwe bd] ;w,l,,dlizsl euh rfkk btjsfev ds vurxzr osc vkèkkfjr foizs"k.k O;oLFkk, gsa dherh /kkrq ds dkjksckj djus ds fy;s 44 'kk[kkvks dks çkf/kd`r fd;k x;k gs A bu 'kk[kkvks dk dqy VuZvksoj ekpz] 2013 rd ` 2421 djksm+i gs A,Qlh,uvkj [kkrks dk dk;z djus ds fy, 458 'kk[kk, vf/kd`r gs A 7- dks"k ifjpkyu nl lky ds ljdkjh ck.m ij foùkh; o"kz 2012&13 dh igyh Nekgh ds çeq[k Hkkx ds nksjku izkfir fuf'pr lhek es cuk jgk ysfdu fnlecj 2012 ls vks,evks [kjhn ds iqujkjhk ds dkj.k] nj es dvksrh dh meehn] bl foùk o"kz ds fy, fu/kkzfjr vfre ckm uhykeh jí djus tsls dkj.kks ls myys[kuh; fxjkov gqbz A 31 ekpz] 2013 dh flfkfr ds vuqlkj ldy fuos'k ` djksm+ jgk tks 31 ekpz] 2012 dks ` 1]23]147 djksm+ Fkk A bles finys o"kz dh rqyuk es ` 7166 djksm+ vfkok 5-82% dh o`f) ntz dh xbz A o"kz 2012&13 ds nksjku vkslr fuos'k ` djksm+ jgk tks 2011&12 ds nksjku ` 1]08]303 djksm+ Fkk A ftles 17-49% dh o`f) ds lkfk ` 18]946 djksm+ dh o`f) ntz dh xbz A 6. Interntionl Business Bnk's totl forex turnover from Exports, Imports nd Remittnces mounted to ` 1,43,003 crore in FY'13, registering growth of 17.93% over ` 1,21,259 crore in the previous yer. The Bnk hs 184 brnches uthorized for hndling foreign exchnge business including one Foreign Exchnge Offices which re equipped with SWIFT connectivity. Over 599 bnks worldwide hve been pproved s correspondents to fcilitte trde trnsctions of our clients. Bnk is hving nine specilized Interntionl Bnking Brnches (IBBs) t importnt centres for dedicted service to our exporter/importer clients. An Interntionl Service Brnch nd Centrlized Bck Office for Trde Finnce t Delhi hve been set up to hndle ll foreign inwrd remittnces nd process the export/import documents. To fcilitte Interntionl trvel, the Bnk hs "World Trvel Crd" which is prepid crd denominted in USD, GBP nd EURO. In order to centrlise opening of NRI ccounts nd for offering speedy services like, issunce of pssbook, chequebook, ATM Debit crds nd Internet Bnking Services, Bck Office (E-by) t Delhi hs been set up. Exchnge bureus t importnt tourist centres to fcilitte encshment of foreign currency notes/trvellers' cheques to foreign tourists/nris, etc. hve lso been set up. To fcilitte remittnces from NRIs, the Bnk is hving Rupee Drwing Arrngements (RDA) with 29 Exchnge Houses nd 2 bnks in Gulf Countries; 2 Exchnge Houses in Singpore; one Exchnge House in Mlysi. In ddition, the Bnk hs web bsed remittnce rrngements under Money Trnsfer Service Scheme (MTSS) with Money Grm, Western Union, BuyIndi online.com Inc, USA, Xpress Money nd Ezremit. There re 44 uthorised brnches for Precious Metl business, which together hve chieved turn-over of ` 2421 crore up to Mrch There re 458 brnches uthorised to hndle FCNR ccounts. 7. Tresury Opertions The yield on ten yer sovereign bonds remined rnge bound during the mjor prt of first hlf of FY'13 but declined mrkedly since December 2012 due to resumption of OMO purchses, expecttion of rte cut nd cncelltion of the lst bond uction scheduled for this fiscl etc. Gross investment s on 31st Mrch 2013 stood t ` 1,30,313 crore s ginst ` 1,23,147 crore s on 31st Mrch 2012, indicting n increse of ` 7,166 crore t 5.82% growth. The verge investments during ws ` 1,27,249 crore s ginst ` 1,08,303 crore during indicting n increse of ` 18,946 crore t 17.49% growth. 38

41 th&lsd cktkj us 2012&13 ds nksjku çfrykse ykhk oø n'kkz;k A Hkkjrh; bfdovh cktkj vflfkj Fkk vksj foùk o"kz 2012&13 ds nksjku 15]750 ls 20]200 ¼ls lsdl½ ds nk;js es dkjksckj fd;k A csd us foùkh; o"kz Hkj lfø; :i ls ljdkjh ckm] xsj,l,yvkj c UM vksj bfdovh es dkjksckj fd;k A foùkh; o"kz 2012&13 ds fy, fuos'k iksvzqksfy;ks ls C;kt vk; ` 9350 djksm+ Fkh tcfd foùkh; o"kz 2011&2012 es ` 7]739 djksm+ Fkh A finys o"kz dh rqyuk es ;g o`f) 23-14% ls ` 1791 djksm+ jgh A o"kz ds nksjku fuos'k ij vkslr izkfir 2011&2012 es 7-57% ds eqdkcys 7-89% jgk A fu;ked }kjk fu/kkzfjr dh lhkh vko';drkvks dh vuqikyuk es csd dh rjyrk dh flfkfr foùk o"kz 2013 o"kz Hkj vke rksj ij lgt Fkh A foùk o"kz ds nksjku dks"k lpkyuks dks fnyyh ls eqecbz LFkkukrfjr fd;k tkuk,d çeq[k çxfr jgh A 8- dkjksckj fofo/khdj.k E;wpqvy QM % csd fçlhiy ih,uch,,elh,o ;wvhvkbz,,elh ds E;wpqvy QM mriknks ds forj.k vksj ekdszfvx dk dk;z dj jgk gs A o"kz 2012&13 ds nksjku csd us dqy ` 2226 djksm+ tqvk, vksj czksdjst ds :i es ` 1-97 djksm+ dh vk; vftzr dh A lksus ds flddks dk dkjksckj % lksus ds flddk ;kstuk ds vrxzr 'kk[kkvks ds ek/;e ls orzeku es csd 2 xzke] 5 xzke] 8 xzke] 10 xzke vksj 20 xzke ds lksus ds flddks dh fcøh dj jgk gs A o"kz 2012&13 ds nksjku csd us 78]393 lksus ds flddks dh fcøh dh ftudk otu fdyksxzke Fkk tcfd o"kz 2011&12 ds nksjku 78]599 flddks ] ftudk dqy Hkkj 577 fdyksxzke Fkk] dh fcøh dh xbz A lksus ds flddks dh fcøh ls csd dks ` 7-99 djksm+ dh vk; çkir gqbz tcfd o"kz 2012 es ` 7-16 djksm+ dh vk; gqbz Fkh A lksus ds flddks ds dkjksckj es foùk o"kz 2012&13 ds nksjku Hkkj,o jktlo es Øe'k% 8-01% vksj 11-59% dh o"kz&nj&o"kz o`f) ntz dh xbz A chek dkjksckj % ih,uch esvykbzq bfm;k b';ksjs l deiuh fyfevsm ds dkjiksjsv,tsv ds #i es csd us ` 451 djksm+ dk çhfe;e vftzr fd;ka ftles u;k os;fäd dkjksckj ` 336 djksm+ gs rfkk u;k lewg dkjksckj ` 42 djksm+ gs,o uohdj.k dkjksckj ` 73 djksm+ gs tks 90]397 i fyfl;ks ls çkir gqvk gs tcfd o"kz 2012 ds nksjku ` 287 djksm+ dk çhfe;e çkir gqvk Fkk A o"kz 2012&13 es thou chek dkjksckj ls csd dh vk; ` djksm+ jgh tcfd foùkh; o"kz 2012 ds nksjku ` djksm+ Fkh ftles o"kz&nj&o"kz 78% dj o`f) ntz dh xbz A blh rjg] xsj thou chek dkjksckj ds fy, vksfj,vy b';ksjsl diuh fyfevsm ds lkfk xbtksm ds rgr 4-01 yk[k i fyfl;ks ls ` 146 djksm+ dk çhfe;e lxzg fd;k x;k A blls csd dks ` djksm+ dk jktlo çkir gqvk] tks 32% dh o`f) n'kkzrk gs A csd us dlvekbtm LokLF; chek ikfylh & ih,uch vksfj,vy jkw;y esfmdyse dks csp dj 133% dh o`f) ntz dh A foùkh; o"kz 2013 ds nksjku 84]152 ikfyfl;k csph xbz tcfd foùkh; o"kz 2012 ds nksjku 36]156 i fyfl;k csph xbz FkhA G-sec mrket showed n inverted yield curve during Indin equity mrket ws voltile nd trded in the rnge of 15,750 to 20,200 (Sensex) during FY The Bnk ctively trded in sovereign bonds, Non-SLR bonds nd equity throughout the finncil yer. The interest income from investment portfolio for the FY ws ` 9,530 crore s ginst ` 7,739 crore for the FY , indicting growth ` 1791 crore t 23.14% growth. The verge yield on investment during the yer ws 7.89% s ginst the 7.57% in The liquidity position of the Bnk ws generlly comfortble throughout FY'13 with the Bnk complying with ll the requirements of CRR/SLR stipulted by regultor. A mjor development during the finncil yer ws the reloction of tresury opertions to Mumbi, from New Delhi. 8. Business Diversifiction Mutul Fund: Bnk is distributing nd mrketing mutul fund products of Principl PNB AMC nd UTI AMC. During FY'13, the Bnk mobilized totl mount of ` 2226 crore nd erned brokerge of ` 1.97 crore. Gold Coin Business: Under the Gold Coin Scheme, Bnk is presently selling gold coins of 2 gm, 5 gm, 8 gm, 10 gm nd 20 gm denomintions through brnches. During , the Bnk sold 78,393 coins weighing kg s ginst 78,599 coins weighing 577 kg during Bnk's erning from sle of gold coins stood t ` 7.99 crore s ginst ` 7.16 crore erned during FY'12. Gold Coin business registered Y-o-Y growth of 8.01% nd 11.59% in weight nd revenue, respectively during FY'13. Insurnce Business: As corporte gent of PNB MetLife Indi Insurnce Co. Ltd., the Bnk mobilized premium of ` 451 crore out of which fresh individul business is ` 336 crore, fresh group business is ` 42 crore nd renewl business is ` 73 crore from 90,397 policies, s ginst premium of ` 287 crore mobilized during FY'12. Bnk's ernings from Life-Insurnce business during FY incresed to ` crore s ginst ` crore during FY'12, showing Y-o-Y growth of 78%. Similrly, under insurnce tie-up with Orientl Insurnce Co. Ltd. for non-life insurnce business, the premium collection mounted to ` 146 crore from 4.01 lkh policies mobilized by the Bnk. This erned revenue of ` crore showing growth of 32%. Bnk hs registered growth of 133% in selling of customized helth insurnce policy 'PNB-Orientl Royl Mediclim'. Totl policies sold during FY'13 were 84,152 s ginst 36,156 policies sold during FY'12. 39

42 fmi ftvjh lsok, % csd 659 çkf/kd`r 'kk[kkvks ds ek/;e ls iwjs Hkkjr es 259 dsuæks es,u,lmh,y ds fmi ftvjh lghkkfx;ks ds :i es fmi ftvjh lsok, çnku dj jgk gs A csd us fmi ftvjh lsok, çnku djus ds fy, foùkh; o"kz 2013 es ` yk[k dh vk; vftzr dh gs A v u ykbzu VªsfMx lqfo/kk % csd ds lg;ksxh esllz,l,elh fyfevsm] esllz vkbzmhchvkbz dsfivy lfozflt fyfevsm vksj esllz usvofkz LV d czksfdx fyfevsm ds ek/;e ls v u ykbzu VªsfMx lqfo/kk çnku dh tk jgh gs A o"kz 2012&13 es v u ykbzu VªsfMx dk;zdykiks ls ` yk[k dh lnfhkzr vk; çkir gqbz A epszv csfdx % Js.kh&1 ds eps ZV csdj ds :i es csd us foùkh; o"kz 2011&12 ds nksjku ßcSdlZ Vw fn b';wß ds :i es 12 dk;ks Z dks iwjk fd;k gs vksj ykhkk'k vkmzj vkfn ds 101 dk;ksz dks iwjk fd;k gsa blds vfrfjä csd us e fuvfjx,ts lh ds 4 dk;z vksj fmcs pj U;klh ds 14 dk;z Hkh lpkfyr fd;s gsa lsyq lfvzqkbm flfmdsv csd ¼,llh,lch½ ds #i es lsch ds lkfk ithd`r gksus ds ukrs lkoztfud fuxze fuxzeks ½ es vkosnu çlrqr djus ds fy, vc csd dh lhkh 'kk[kkvks es,lck lqfo/kk dks miyc/k djk;k x;k gs A ;g lqfo/kk fjvsy fuos'kdks dks v u ykbzu Hkh miyc/k gs A,Lck lqfo/kk lsch ds lhkh flmhdsv lnl;ks dks Hkh miyc/k gs A Mksj LVSi csfdx % Mksj LVSi csfdx ds vrxzr udnh xzkgdks ds ifjljks ls yh tkrh gs A bl le; Mksj LVSi csfdx yxhkx 754 xzkgdks dks nh tk jgh gs vksj pkyw [kkrk dkjksckj,d= djus es lgk;d gqbz gs A ØsfMV dkmz % ØsfMV dkmz nks çdkj ds gs & xksym vksj Dykfld dkmza tks fd Qjojh 2009 es y p fd;s x;s Fks A o"kz 2011 es dkikszjsv dh vko';äkvks dh iwfrz ds fy;s dkikszjsv dkmz Hkh çkjehk fd;k x;k A csd us vc rd 1]15]781 ØsfMV dkmz tkjh dj fn;s gs A /kks[kk/km+h dh ekstwnk?kvukvks es o`f) dks /;ku es j[krs gq, csd us dkmz ds /kks[kk/km+h iw.kz ç;ksx dks jksdus ds fy; ßohtk /kks[kk/km+h Vwyß dh lnl;rk yh gs A blls csd ds ØsfMV dkmz es fo'okl es o`f) gksxh A epszv vf/kxzg.k dkjksckj % Qjojh 2010 es csd us IokbV v Q lsy VfeZuy vksj bvjusv isesv xsvos dkmz½ dh LFkkiuk ls ßih,uch fctß eps ZV,Dok;fjx fctul dh 'kq:vkr dh A bl vof/k ds nksjku 8866 ihvks,l VfeZuy,o 54 bvjusv ises V xsvos,fdvosv fd;s x;s A itkc ljdkj dh vukt [kjhn ds fy, lwpuk,o çs"k.k v uykbzu usvodz ¼KAIRON½ ifj;kstuk itkc ljdkj dh [kk kuu [kjhn,tslh iquxzsu ¼PUNGRAIN½ fdlku vk<+fr;ks lwpuk,o çs"k.k v uykbzu usvodz ¼KAIRON½ ifj;kstuk 'kq: fd;k gs ftlls ljdkj fcøh ds IokbV ¼ihvks,l½ VfeZuy ds ek/;e ls fdlkuks ls [kk kuu dh [kjhn vksj Hkkjrh; jk"vªh; Hkqxrku fuxe dh enn ls #is&msfcv dkmz dk mi;ksx dj vk<+r ds ek/;e ls fdlkuks dks Hkqxrku djrk gsa Depository Services: Depository Services s Depository Prticipnt of NSDL is being provided through 659 uthorised brnches covering 259 centres cross Indi. Bnk hs erned n income of ` lkh during FY'13 for providing Depository Services. On line trding fcility: Online trding fcility is lso being provided through Bnk's Allince Prtners viz. M/s. SMC Ltd., M/s. IDBI Cpitl Services Ltd. nd M/s. Networth Stock Broking Ltd. Referrl income of ` lkh hs been received from Online Trding Activities during FY'13. Merchnt Bnking: As Ctegory-I Merchnt Bnker, Bnk hs hndled 12 ssignments s "Bnker to the Issue" nd 101 ssignments of Dividend Pyment/Interest Pyments during the finncil yer FY'13. Besides this, 4 ssignments of Monitoring Agency nd 14 ssignments of Debenture Trustee re lso being hndled. Being registered with SEBI s Self Certified Syndicte Bnk (SCSB), ASBA fcility for submitting of ppliction in public issues (IPO/ FPO/Right Issue) hs now been mde vilble in ll the brnches of the Bnk. This fcility is lso vilble online to retil investors ASBA fcility is lso vilble for Syndicte/Sub syndicte Members of SEBI. Door step Bnking: Under the fcility of Door Step Bnking, csh is picked up from the premises of customers. Doorstep bnking is currently being provided to bout 754 customers nd hs helped in grnering Current Account business. Credit Crd: Credit Crds, in two types, Gold nd Clssic, were lunched by the Bnk in Februry In 2011, Corporte crds were lso introduced to meet the needs of corportes. So fr, Bnk hs issued 1,15,781 credit crds. In view of recent spte of fruds, Bnk hs subscribed to 'VISA Frud Tools' to curb frudulent usge. This will enhnce the confidence in Bnk's credit crds. Merchnt Acquiring Business: Bnk hs lunched 'PNB Biz', Merchnt Acquiring Business, through instlltion of Point of Sle Terminls nd Integrtion of Internet Pyment Gtewy (Debit/ Credit Crds) in Februry During this period, 8866 PoS terminls nd 54 Internet Pyment Gtewys hve been ctivted. KAIRON Project of Punjb Govt. for Grin Procurement PUNGRAIN, food grins procurement gency of Punjb Government hs lunched Kisn Arhti Informtion nd Remittnce Online Network (KAIRON) project whereby the Government purchses food-grins through the Point of Sle (PoS) terminls from frmers nd mkes pyments to the frmers through Arhtis using RuPy Debit crds with the help of Ntionl Pyment Corportion of Indi. 40

43 jch foi.ku lhtu 2013&14 ls] ifj;kstuk dks itkc ljdkj dh vu;,ts fl;ks ds fy, c<+k fn;k x;k gs A ih,uch dks itkc ds 10 ftyks dh 211 efm; ekdzqsm ¼itkc dh [kjhn,ts lh½ }kjk xsgw dh [kjhn vksj vk<+fr;ks dks vukt dh [kjhn ds v uykbu Hkqxrku ds fy, ihvks,l VfeZuyks ds ifjfu;kstu dk dk;z vkofvr fd;k x;k gs A 9- VªktSD'ku csfdx o"kz 2012&13 ds nksjku dbz osdfyid forj.k psuyks ds ek/;e ls mpp rduhd vksj fo'o Lrj ds xzkgd&vuqdwy mriknks ds lkfk xzkgdks dks csgrj] 'kh?kz vksj dq'ky mrikkn çnku djus ds dbz dne mbk, x, gs A bu dneks ls u dsoy bz&vªktsd'kuks dks çksrlkkfgr djus es enn feyh gs cfyd budh enn ls psd vk/kkfjr ysunsuks es Hkh deh vkbz gs vksj 'kk[kkvks dh HkhM+ es Hkh deh vkbz gs A mbk, x;s dqn dneks dh tkudkjh uhps nh xbz gs %& I. ih,uch #is MsfcV dkmz dks isu bfm;k vk/kkj ij c<+h gqbz lqj{kk fo'ks"krkvks] tsls,vh,e vksj ihvks,l ysunsu] nksuks ds fy;s nwljs dkjd çek.khdj.k ds :i es fiu dh vfuok;zrk ds lkfk çkjehk fd;k x;k gs A II. III. IV. o"kz ds nksjku 40 yk[k ls vf/kd MsfcV dkmz tkjh fd;s x;s Fks ftlls MsfcV dkmz dk vk/kkj yxhkx 210 yk[k gks x;k gs A csd us o"kz ds nksjku 355 u,,vh,e LFkkfir fd;s] ftlls dh flfkfr vuqlkj,vh,e dh dqy l[;k 6300 ls vf/kd gks xbz gs A bues ls 680,Vh,e ck;ksehfvªd lqfo/kk;qä gsa xzkgdks dks,vh,e dh miyc/krk es 76% dh rqyuk es dks 92% gks xbz gs A MsfcV dkmz føms f'k;y dk ç;ksx djrs gq, v u ykbu iklomz jhlsv lqfo/kk çnku djus ds fy;s vkbzch,l fjvsy ;wtj bvjqsl es lq/kkj fd;k x;k gs A vkbzch,l ;wtlz es Hkh 3-60 yk[k ls vf/kd dh o`f) gqbz gs ftlls vkbzch,l ;wtlz dh dqy l[;k o"kz 2012&13 ds nksjku yxhkx 20-5 yk[k gks xbz gs A V. ds'k fmikftv e'khu ¼lhMh,e½ % foùkh; o"kz 2013 ds nksjku csd dh fofhkuu 'kk[kkvks es ` rd dh udnh tek djkus ds fy;s csd ds NksVs xzkgdks dh lqfo/kk ds fy;s 1102 ds'k fmikftv e'khus LFkkfir dh xbz A blls 'kk[kkvks es HkhM+ de djus es enn feyh gs A orzeku es ds'k fmikftv e'khuks ds }kjk ` rd dh 45% ds'k VªktsD'ku gks jgh gs A VI. bysdvª fud psd fmikftv e'khu ¼bZlhMh,e½ % foùk e=ky; ds fn'kkfunsz'kks ds vuqlkj 1060 'kgjh vksj esvªks 'kk[kkvks es bysdvª fud psd fmikftv e'khus ¼bZlhMh,e½ llfkkfir dj nh xbz gs A ;s bysdvª fud psd fmikftv e'khus ¼bZlhMh,e½ xzkgd dks psd dh çfrd`fr vk/kkfjr jlhn tkjh dj psd ds tek gksus dk Lopkfyr çek.k çnku djrh gs ftles ml 'kk[kk dk uke] tek djkus dh rkjh[k vksj le; Nik gksrk gs ftles psd tek djk;k tkrk gs A VII. D;w esustesv fllve ¼D;w,e,l½ % xzkgdks ds çokg dks fu;f=r djus ds fy;s 269 'kk[kkvks es D;w esustes V fllve ¼D;w,e,l½ llfkkfir fd, x, gs A This project hs been extended to other procurement gencies of Punjb Govt from the Rbi Mrketing Seson , PNB hs been llotted 211 mndis of 10 districts of Punjb for deployment of PoS terminls for purchse of Whet by MARKFED (procurement gency of Punjb) nd online pyment of the grin through Arhtis. 9. Trnsction Bnking During the yer , severl inititives hve been tken by the Bnk to provide customers better, prompt nd efficient service with hi-tech nd world clss user friendly products through the Alternte delivery Chnnels. These steps not only helped in the promotion of e- trnsctions, thereby reducing cheque bsed trnsctions but lso led to the decongestion of brnches. Some of the inititives tken re given s under: I. PNB RuPy Debit crd hs been lunched on PAN Indi bsis with enhnced security fetures such s requirement of PIN s second fctor uthentiction both for ATM nd PoS trnsctions. II. III. IV. More thn 40 lkh debit crds were issued during the yer tking the debit crd bse to round 210 lkh. Bnk dded 355 ATMs during the yer, tking the totl ATM network to more thn 6300 ATMs s on Out of these, 680 ATMs re with biometric functionlity. ATMs vilbility to customer hs incresed from 76% s on to 92% s on IBS Retil User Interfce hs been revmped to provide online registrtion nd pssword reset fcility using Debit Crd credentils. IBS users lso grew by over 3.60 lkh, bringing the totl number of IBS users to pprox 20.5 lkh during the yer V. Csh Deposit Mchine (CDM): During FY'13, 1102 Csh Deposit Mchines hve been instlled in vrious brnches of the bnk for convenience of smll depositors of Bnk depositing csh up to ` This hs helped to decongest brnches. As of now 45% csh trnsctions upto ` re hppening through CDMs. VI. Electronic Cheque Deposit Mchines (ECDM): As per MOF guidelines ECDMs hve been instlled in 1060 urbn nd metro brnches. These ECDMs provide n utomted proof of deposit of cheque by issuing cheque imge bsed receipt to customer specifying the brnch in which the cheque is deposited long with the dte nd time of deposit. VII. Queue Mngement System (QMS): In 269 brnches QMS hs been instlled to regulte the flow of customers. 41

44 mi;qzä igyks ds dk;kzuo;u ds lkfk] csd ds bz&vªktsd'ku] tks dks 27-76% Fks] es c<+ dj 51-54% gks x;s vksj psd vk/kkfjr ysunsu] tks tqykbz 2012 es 72-83% Fks] os s es de gks dj 58-0% jg x;s gs A 10- ljdkjh dkjksckj lhkh Jsf.k;ks dh is'ku ;kstukvks dks ç/kku dk;kzy; Lrj ij çkslsflx vksj forfjr djus rfkk Hkkjr Hkj es 10 dsuæhd`r çlldj.k dsuæks ds ek/;e ls forfjr djus ds fy;s ds æhñr fd;k x;k gsa bl çdkj] QhYM LVkQ dks djksckj fodkl vksj csgrj xzkgd lsok ds fy, i;kzir le; feysxk A csgrj xzkgd lsok dh otg ls 2012 es gh is 'kujks dh l[;k es 75]000 dh o`f) gqbz tks dks is 'kujks dh l[;k es bzih,,q is'kujks lfgr c<+dj 16 yk[k ls vf/kd gks xbz A o"kz 2012&13 ds nksjku] csd us vius lozj ij 7-50 yk[k ihihvks ds fmftvyhdj.k dh vksj dne mbk;ka bl fn'kk es ] ik;yv ifj;kstuk dks igys fnyyh ls gh ykxw fd;k x;k gsa Hkkjr Hkj es fdlh Hkh 'kk[kk ls fdlh Hkh is'kuj ds ihihvks fooj.k dh LdSfux lhko gksxha fdlh Hkh 'kk[kk ess thou çek.k i= çlrqr djuk igys ls gh lfø; gsa bl çdkj] fdlh fo'ks"k ds 'kk[kk ds xzkgd ds :i es is'kuj dks csd ds xzkgd ds #i es ifjofrzr djus dk ç;kl fd;k tk jgk gsa bz Hkqxrku ç.kkyh dh fn'kk es vkjehk fd, x, dqn u, igy dne okf.kft;d djks dh olwyh] O;olk; ds nlrkostks ds bz&eqækdu] jsyos ds O;olk; ds bz&eky <qykbz vkfn FksA blds vykok] csd us viuh lhkh 'kk[kkvks ds ek/;e ls isu dkmz dkjksckj 'kq: djus ds fy, vko';d dne mbk,a csd vius dsæhd`r lozj es bzih,qvks is'ku ds çlldj.k ds fy, dezpkjh Hkfo"; fuf/k lxbu ds lkfk le>ksrk Kkiu ij glrk{kj djus dh ;kstuk cuk jgk gsa lhchmhvh vksj lhchbzlh ysunsuks ds feyku ds fy;s i)fr dks fodflr fd;k x;k Fkk ftlls nmkred izhkkjks dks de dj 'kwu; djus vksj olwyh dh {kerk es o`f) dh tk ldsxha 11- 'kk[kk,o dk;kzy; usvodz lwpuk çks ksfxdh vksj Vªstjh çhkkxks dks NksM+ dj ç/kku dk;kzy; ds lhkh çhkkxks dks,d Hkou es ykus ds mís'; ls csd }kjdk es,d 'kkunkj Hkou dk fuekz.k dj jgk gs A blls le; vksj bz/ku dh cpr ds lkfk&lkfk lkeku; dk;z{kerk es Hkh c<+ksùkjh gksxh A ;g buvsfytsv fcfymx gksxh ftles ls lj yxs gks xs A ;g çekf.kr xzhu fcfymx gksxh ftls 5 LVkj thvkjvkbz,p, jsfvx çkir gksxh rfkk ;g oxz ehvj Hkwfe ij fufezr gksxh,o bles vf/kdre fmtkbu {kerk rfkk lcls vk/kqfud lqfo/kk, miyc/k gksxh A csd us viuk Vªstjh çhkkx eqcbz es,d u, Hkou] ih,uch çxfr Vkoj es LFkkukrfjr dj fn;k gs ftldk mn~?kkvu fnukd dks ekuuh; ds æh; foùk e=h Jh ih- fpnecje }kjk fd;k x;k A Vªstjh çhkkx ds vykok] ubz fcfymx es 'kk[kk dk;kzy;] djlh pslv] fjvsy vlsv 'kk[kk] lkeku; csfdx 'kk[kk vksj emy dk;kzy; Hkh flfkr gs A ;g fcfymx lhkh çdkj dh vk/kqfud gkbz&vsd lqfo/kkvks ls ;qä gs ftlls csd dh ifjpkyu dk;zdq'kyrk es o`f) gksxh A With the implementtion of bove inititives, Bnk's e-trnsctions hve incresed from % s on to % s on nd cheque bsed trnsctions hve declined from 72.83% in July 2012 to 58.0% s on Government Business The pension schemes of ll the ctegories were centrlized for processing nd disbursement t Hed Office nd disbursl through 10 CPPCs cross Indi. Thus, the field stff becme free for business development nd improved customer service. Improved customer service is indicted by increse in number of pensioners by over 75,000 in 2012 lone, tking totl number of pensioners to over 16 lkh s on During the yer , the Bnk took step towrds digitiztion of 7.50 lkh PPOs on its server. Towrds this, pilot project hs lredy been implemented t Delhi. Scnning would enble getting PPO detils of ny pensioner from ny brnch cross Indi. The submission of life certificte t ny brnch is lredy enbled. Thus, efforts hve been mde to convert the pensioners from customers of prticulr brnch to customers of the Bnk. Some of the new inititives tken towrds e-pyment system were collection of Commercil Txes (Sles/VAT), e-stmping of documents business nd e-freight of Rilwys business, etc. Further, Bnk initited necessry steps to lunch PAN Crd Business through ll brnches of the Bnk. Bnk is plnning to sign MOU with EPFO for processing the EPFO pension in the Centrlized server. System ws developed for reconcilition of CBDT nd CBEC trnsctions thereby reducing the penl chrges to nil nd incresing the efficiency of collections. 11. Brnch nd Office Network Bnk is constructing stte of the rt building t Dwrk with the objective of housing ll Hed Office Divisions except IT & Tresury Divisions in one building. It will led to svings in time nd fuel besides dding to the generl efficiency. It would be n intelligent building with sensors. It will be certified Green Building hving 5 Str GRIHA Rting to be built on sq meter of lnd hving mximum design efficiency nd most modern menities. The Bnk moved its Tresury Office to PNB Prgti Tower, new building t Mumbi which ws inugurted on by Hon'ble Union Finnce Minister, Shri P. Chidmbrm. Aprt from the Tresury Office, the new building hs Currency Chest, Retil Assets Brnch, generl bnking brnch nd Circle Office. This building is equipped with ll types of modern hi-tech menities which will enhnce the opertionl efficiency of the Bnk. 42

45 itkc us'kuy csd dh dks 5874 'kk[kk, Fkh A bles 209 fo'ks"k 'kk[kk,],d folrkj ivy vksj 337 lsok csd dk;kzy; 'kkfey gsa cæhukfk ¼mÙkjk[kM½ es flfkr,d,dlvs'ku dkmvj dks NksM+dj lhkh,dlvs'ku dkmvjks dks liw.kz 'kk[kkvks es muur dj fn;k x;k gs A 24 X 7 csfdx lsok, çnku djus dss fy, csd us Lo; lsok {ks= ds lkfk 300 ls vf/kd bz&y ch dh LFkkiuk dh gsa csd us ç/kku dk;kzy; ds 4 Hkouks ds lc/k es Hkh[kk,th dkekiysl es ds æhd`r Mkd ç.kkyh dk lqy dk;kzuo;u dj fy;k gs ftlls ekuo'kfä] LFkku vksj ykxr es dkqh cpr gqbz gsa csd }kjk fdjk, ij fy;s x;s iêk ifjljks ds lc/k es QhYM ls lwpuk çkir djus ds fy;s csd ds ifjljks ds fy;s,evkbz,l iksvzy dks fodflr fd;k x;k gsa blls okfnr tkudkjh çkir djus es yxus okys i=kpkj] le; vksj ekuo 'kfä es dkqh deh gksxh rfkk iêk lc/kh ekeyks] ;Fkk gksus okys iês] Qkby ekeyks vkfn ij csgrj fu;=.k gks ldsxka vrjkz"vªh; miflfkfr eqcbz es,d v Q 'kksj csfdx ;wfuv ds vykok] gkxdkx es 2 'kk[kkvks rfkk MhvkbZ,Qlh ¼nqcbZ½ vksj dkcqy ¼vQxkfuLrku½ es,d&,d 'kk[kk lfgr csd dh dqy 4 fons'kh 'kk[kk, gs A csd dks flxkiqj es,d DokfyQkbZM Qqy csd ¼QFB½ 'kq: djus ds fy, fu;ked ls ykbls l fey x;k gs] ftlds foùkh; o"kz 2014 es [kqy tkus dh lhkkouk gs A csd dh 3 fons'kh vuq"kfx;k gs] ftuds uke gs & ih,uch bvjus'kuy fyfevsm] ;wds ¼7 'kk[kk,½] ts,llh,lch dtk[klrku ¼4 'kk[kk,½],o Mªd ih,uch] HkwVku ¼5 'kk[kk,½a csd dk usiky es,ojslvs csd ¼48 'kk[kk,½ ds lkfk TokbV ospj gs A ih,uch ds nqcbz] vyekvh ¼dtk[kLrku½] 'k?kkbz ¼phu½] vkslyks ¼u osz½ vksj flmuh ¼v LVªsfy;k½ es ikp çfrfuf/k dk;kzy; gsa csd u osz vksj v LVªsfy;k es vius çfrfuf/k dk;kzy;ks dk iw.kz 'kk[kk ds :i es muu;u djus ij fopkj dj jgk gs A csd us ;kxwu] E;kekj es,d çfrfuf/k dk;kzy; [kksyus ds fy, fu;ked ls vuqefr çkir dj yh gs vksj E;kekj fu;ked ls bldh vuqefr ds fy, vkosnu fd;k gsa O;kikj gekjs fons'kh 'kk[kkvks dk dqy dkjksckj dks 09 fcfy;u vejhdh Mkyj Fkk tks csd ds dqy dkjksckj dk 6-98% gs A 12- lwpuk çks ksfxdh lwpuk çks ksfxdh ¼vkbZVh½ dh otg ls foùkh; {ks= es lkeku;,o csfdx m ksx es egroiw.kz ifjorzu ns[kus es vk, gs A ih,uch çks ksfxdh ds ç;ksx es lcls vxz.kh gs A I. dksj csfdx lek/kku ¼lhch,l½ dk dk;kzuo;u csd ds ikl 3202 ds æks es 6110 lsok ds æ dk folr`r usvodz gs ftles 80-6 fefy;u ls vf/kd xzkgd [kkrs gs A ;s lhkh lsok Punjb Ntionl Bnk hd 5874 brnches s on These included 209 Specilized Brnches, n Extension Counter nd 337 Services Bck Offices. All the extension counters except one t Bdrinth (Uttrkhnd) hve since been upgrded into full fledged brnches. For providing bnking Services 24 x 7, the Bnk hs set up more thn 300 e-lobbies with self service res. Bnk hd successfully implemented Centrlized Dk system in respect of ll the 4 Hed Office buildings, t Bhikiji Cm Plce which hs resulted in gret svings of mnpower, spce nd cost. MIS Portl for Bnk's premises hs been developed to get informtion from field in respect of lesed premises hired by Bnk. It will reduce correspondence, time nd mnpower engged in collecting this informtion nd improve control on lese relted issues such s expired / expiring lese, disputed / suit filed cses etc. Interntionl Presence Bnk hs 2 brnches in Hong Kong nd brnch ech in DIFC (Dubi) nd Kbul (Afghnistn) tking totl to 4 overses brnches, besides n Off Shore Bnking Unit in Mumbi. Bnk hs obtined license from regultor for opening of Qulified Full Bnk (QFB) in Singpore which is likely to be opened in FY'14. Bnk hs three overses subsidiries viz - PNB Interntionl Limited, UK (7 brnches), JSC SB PNB Kzkhstn (4 brnches) nd DRUK PNB, Bhutn (5 brnches). Bnk lso hs one Joint Venture in Nepl - Everest Bnk Limited (48 brnches). PNB hs five representtive offices in Dubi, Almty (Kzkhstn), Shnghi (Chin), Oslo (Norwy) nd Sydney (Austrli). Bnk is looking forwrd to upgrde its representtive offices in Norwy nd Austrli to full- fledged brnches. Bnk hs obtined permission from the regultor for opening of representtive office in Yngon, Mynmr nd hs pplied to the Mynmr regultor for its permission. Business The totl business of overses brnches hs incresed to $ 9 Billion s t , which forms 6.98% of totl business of the Bnk. 12. Informtion Technology Finncil sector in generl nd bnking industry in prticulr hve undergone significnt chnge due to chnges in Informtion Technology (IT). PNB hs been in the forefront nd is pioneer in the use of technology. I. Implementtion of Core Bnking Solution(CBS) The Bnk hs vst network of 6110 service outlets covering 3202 centers with more thn 80.6 million customers ccounts. 43

46 II. dksj csfdx lek/kku ds vrxzr gs A lhkh MkVk ubz fnyyh flfkr dsæh; lozj es LVksj gksus ds lkfk ih,uch viuh lhkh 'kk[kkvks dks usvofdzx ls tksm+us okyk çfke csd cu x;k gs A bvjusv csfdx lsok, bvjusv csfdx fofhkuu csfdx xfrfof/k;k djus rfkk [kkrs ds lqjf{kr v uykbu ds fy;s leiw.kz bz&msld çnku djrk gs A csd orzeku es vius yxhkx 19 yk[k xzkgdks dks [kqnjk vksj dkikszjsv e M;wy ds ek/;e ls bvjusv csfdx lsok, miyc/k djk jgk gsa ih,uch bvjusv csfdx es ;wtlz dh l[;k es lrr o`f) gks jgh gsa ds ek/;e ls fuf/k;ks dk vrj.k] vrj csd foçs"k.k] fcy Hkqxrku] v uykbu 'ks;j VªsfMx] dj Hkqxrku ¼mRikn 'kqyd] lsok dj],elh, 21] çr;{k dj] lhek 'kqyd] Mhth,QVh vkfn½ nku] fcy Hkqxrku] Qhl dk Hkqxrku vkfn gks ldrs gs A II. All these service outlets/centers re covered under Core Bnking Solution. With ll dt being stored in centrlized server t New Delhi, PNB hs been mong the first to network ll its brnches. Internet Bnking Services Internet Bnking provides complete e-desk for performing vrious bnking ctivities nd is secured mens of online monitoring / mngement of ccount. The internet bnking service of the Bnk is currently ctering to round 19 lkh customers with its retil nd corporte modules. PNB's Internet Bnking is witnessing stedy increse in number of users. It enbles trnsfer of funds, inter-bnk remittnces through NEFT/RTGS, bill pyments, online shre trding, tx pyments (including Excise duty, Service tx, MCA 21, Direct txes, Customs duty, DGFT, etc.), dontions, fee pyments, etc. Hkkjr ljdkj ds lkfk&lkfk fofhkuu jkt; ljdkj dh lhkh bz igy ds lkfk lfø; :i ls Hkkx ysus ds dkj.k csd us viuh flfkfr,d çeq[k bz lsok çnkrk ds :i es cuk yh gs A lhkh yksdfç; lsok çnkrk difu;ks tsls,evh,u,y],umhih,y] vkbzth,y],;jvsy] ch,lbz,l] vkfn ds fy, ds mi;ksfxrk Hkqxrku es psuy dh miyc/krk ls ;g psuy vksj vf/kd çhkko'kkyh gks x;k gs A [kqnjk vksj d iks ZjsV nksuks vkbzch,l e Mîwyks ds ;wtj bvjqsl dk lq/kkj fd;k x;k gs rfkk bls ç;ksx es vksj vklku cuk;k x;k gs ftlls v uykbu ;wtj ithdj.k rfkk iklomz jhlsv dh lqfo/kk nh xbz gs A By prticipting ctively in ll the e-inititives of Government of Indi s well s severl stte Governments, the Bnk hs positioned itself s leding e-service provider. The effectiveness of the chnnel ws enhnced with the utility pyment fcility for ll the populr service providers like MTNL, NDPL, IGL, Airtel, BSES, etc. The User Interfce of both Retil nd Corporte IBS Modules hs been revmped mking it simpler nd esy to use, enbling Online User Registrtion nd pssword reset. III. osdfyid fmyhojh psuy 1-,l,e,l vyvz lsok,,l,e,l vyvz lsokvks dks gekjs csd es [kqnjk vksj d ikszjsv] nksuks xzkgdks ds fy;s lqyrkiwozd ykxw fd;k x;k gs rfkk 'kk[kkvks],vh,e] vkbzch,l] eksckby csfdx vksj ihvks,l VfeZuyks es fd;s x;s igpku ysu&nsuks ds fy;s,l,e,l vyvz tsujsv fd;s tk jgs gs A blds vykok],l,e,l vyvz xsj foùkh; xfrfof/k;ks tsls tuefnu dh c/kkbz] eksckby ucjks dk ithdj.k] ifjorzu] bvjusv csfdx VªktSD'ku iklomz dk ifjorzu] _.k dh fdlr ns; gksus ij] _.k dh fd'rs vfrns; gksus ij],qmh [kkrk ifjido gksus ij ij],qmh [kkrk ifjidork ds ckn],ubz,qvh,u 10 iqf"v] ;wvhvkj ucj ds lkfk vkjvhth,l ysu&nsu] fel d y ij [kkrs es 'ks"k dh tkudkjh vkfn ds fy, ç;ksx gks jgk gsa,l,e,l iqy r= ds rgr,l,e,l ij csd ds mriknks vksj lsokvks ds ckjs es tkudkjh çnku djus ds fy, Hkh bl psuy es lqfo/kk miyc/k gs A orzeku es 1-63 djksm+ xzkgdks us,l,e,l vyvz lqfo/kk ys j[kh gs vksj çfr fnu yxhkx yk[k,l,e,l vyvz cuk, vksj Hksts tk jgs gsa III. Alterntive Delivery Chnnels 1. SMS Alert Services SMS Alert services hve been successfully deployed in Bnk for both retil nd corporte customers nd SMS Alerts re being generted for identified trnsctions (credit/debit) done t brnches, ATM, IBS, Mobile Bnking nd PoS terminls. In ddition to these, SMS lerts re lso being sent for non-finncil ctivities like birthdy greetings, registrtion of mobile numbers, ddress/nme chnge, chnge of internet bnking trnsction pssword, lon instllment becoming due, lon instllment overdue, FD ccount mturing, FD ccount mtured, NEFT N10 confirmtion, RTGS trnsctions with UTR No, blnce on missed cll, etc. The chnnel is lso leverged for providing informtion on Bnk's products nd services over SMS under the SMS Pull Mechnism. Presently round 1.63 crore customers hve subscribed for SMS Alerts fcility nd on n verge round lkh lerts re being generted nd delivered per dy. 44

47 IV. 2- eksckby csfdx lsok orzeku es csd }kjk eksckby csfdx lsok, çnku dh tk jgh gs] tks xzkgdks dks fofhkuu v uykbu fo'ks"krk,] tsls [kkrs es csysl ns[kuk] [kkrk fooj.kh] mi;ksfxrk fcyks ds Hkqxrku lfgr fuf/k;ks dk vrj.k vkfn çnku djrh gs A ;g lsok, ekdszv es miyc/k lcls llrs gsmlsv ls ysdj pyu es vk, u, LekVZ Qksu] lhkh çdkj ds gsmlsvks ij çkir dh tk ldrh gs A orzeku es 78]517 xzkgdks us eksckby csfdx ds fy, ithdj.k djk;k gs vksj csd es çfr ekg yxhkx 15]404 y fxu vksj 4]453 ysunsu gks jgs gs A vkbz,eih,l dk mi;ksx djrs gq, vrj csd eksckby Hkqxrku ds fy,,uihlhvkbz ds lkfk Hkh psuy dks tksm+k x;k gs A 3-,Vh,e lsok, xzkgdks dks vf/kdkf/kd lqfo/kk, çnku djus ds fy, ns'k es fofhkuu LFkkuks ij csd us 6]300 ls vf/kd,vh,e LFkkfir fd, gs A udnh fudklh] csys l iwnrkn] y?kq LVsVeSV] fiu cnyuk ds vykok dkmz/kkjdks dks çnku dh xbz vu; lsokvks es QM VªklQj] fcy Hkqxrku],l,e,l vyvz ds tsujs'ku ds fy;s eksckby ithdj.k] çr;{k dj Hkqxrku] psdks dk Hkqxrku jksdus dk vuqjks/k],vh,e ds }kjk vkbzch,l ithdj.k],vh,e ds }kjk udnh çkir u gksus dh f'kdk;r dk ithdj.k vkfn lqfo/kk, 'kkfey gs A psd Vªds'ku fohkkx bl foùkh; o"kz ds nksjku] csd us osyyksj es xsj&ekbdj yksds'ku lfgr lhvh,l nf{k.kh fxzm ds rgr 26 LFkkuks ij lhvh,l 'kq: dj fn;k gs A csd us nf{k.kh fxzm ds vrxzr lhkh ds æks ij lhvh,l dk;kzfuor dj fn;k gs tgk,uihlhvkbz ¼NPCI½ us viuk dk;kzuo;u 'kq: dj fn;k gs A V. vkbzvh vk/kkfjr u, vk/kkj Hkqxrku fczt ç.kkyh vk/kkj Hkqxrku fczt ç.kkyh dk mi;ksx vk/kkj ucjks ds vk/kkj ij fgrxzkfg;ks ds [kkrks es lforj.k ds fy, ysunsuks dks Lor% ØsfMV djus ds fy;s fd;k tk,xk A bl Hkqxrku ç.kkyh dk mís'; [kkrks es fuf/k;ks ds forj.k es gksus okyh nsjh dks de djuk gs A blls ujsxk vksj lkekftd lqj{kk is'ku vkfn tslh fofhkuu ljdkjh ;kstukvks ls lcf/kr Hkqxrku Hkh fd;k tk ldsxk A vko';d dlvekbts'ku fd;k tk pqdk gs vksj ;g liw.kz csd es dk;kzfuor fd;s tkus ds fy, rs;kj gsa,ihch,l ç.kkyh dks vc jk"vªh; Lopkfyr fdy;fjx gkml fllve ¼,u,lh,p½ ls tksm+ fn;k x;k gs A,u,lh,p iksvzy dk ç;ksx djds,u,lh,p Qkbys viyksm MkmuyksM dh tk jgh gs A,u,lh,p fofhkuu lqfo/kk, miyc/k djkrk gs tsls fuekzrk&tkpdrkz ldyiuk vksj ekstwnk,ihch,l ç.kkyh dh rqyuk es Qkbyks ij fmftvy glrk{kj djuk A IV. 2. Mobile Bnking Services Mobile Bnking Services re presently being offered by the Bnk, which provide customers with vrious online fetures like viewing ccount blnce, sttement of ccount, trnsfer of funds including pyments of their utility bills. The services cn be viled on ll the hndsets vilble in the mrket strting from low end hndset to newly introduced smrt phones. Presently, 78,517 customers hve registered for Mobile Bnking nd there re round 15,404 logins nd 4,453 trnsctions tking plce per month in the Bnk. The chnnel hs lso been integrted with NPCI for interbnk mobile pyments using IMPS. 3. ATM Services In order to provide more convenience to the customers, more thn 6300 ATMs hve been instlled t vrious geogrphicl loctions in the country. Aprt from the fcility of csh withdrwls, blnce enquiry, mini sttement, PIN chnge nd other services provided to the crdholders include Funds Trnsfer, Bill Pyments, mobile registrtion for genertion of SMS lerts, Direct Tx Pyment, request for stop pyment of cheques, IBS registrtion through ATMs, complint registrtion of nonreceipt of csh through ATMs, etc. Cheque Trunction Deprtment During the finncil yer, Bnk strted CTS t 26 loctions under CTS Southern Grid including one non-micr loction t Vellore. The Bnk hs implemented CTS t ll the centres under Southern Grid where NPCI hs strted its implementtion. V. New IT Bsed Products/Services Adhr Pyment Bridge System (APBS) APBS will be used for credit trnsctions for Government/ Government gency disbursements to the ccounts of beneficiries utomticlly bsed on Adhr numbers. The objective of the sid pyment system is to reduce the dely in disbursing funds into the ccounts. This will lso support disbursement of pyments relted to vrious government schemes like NREGA nd Socil Security Pension. Necessry customiztion hs been done nd it is redy for implementtion cross the Bnk. The APBS system hs now been migrted to Ntionl Automted Clering House (NACH) system. Under, NACH files re uploded nd downloded using NACH portl. NACH provides fcilities like Mker Checker Concept nd Digitl signing of file in comprison to the existing APBS system. 45

48 VI. csd us lhch,l es liw.kz lsv&vi fodflr dj fy;k gs vksj,u,lh,p ç.kkyh,ihch,l VªktsD'ku Qkbyks dks gsmy djus ds fy;s lqyrkiwozd dk;z dj jgh gs A ns'kh lk[k i= [kksyuk vksj,l,q,e,l ds }kjk iqf"v djuk 'kk[kk, vc lhkh csdks dks Lohdk;Z,d:i ç.kkyh,o çfkkvks ds vuqlkj ekudhd`r QkesZV ij,l,q,e,l ds ek/;e ls vkbz,ylh dj ldrh gs A fgrxzkgh dks tkjhdrkz csdj ls iqf"v çkir djus dh t:jr ugh gksxha,uihlhvkbz ¼NPCI½ dk Lopkfyr fdy;fjx gkml ¼ACH & v VksesVsM fdy;fjx gkml½ ifj;kstuk,lh,p bysdvª fud MsfcV vksj ØsfMV ds folr`r ysunsu ds fy, dsæhd`r IysVQkeZ ij,d jk"vªh; ç.kkyh gs A ;g ^xzkgd ds vkns'k^ ds bysdvª fud fuivku dh lqfo/kk Hkh çnku djrh gs A,lh,p es] bzlh,l MsfcV vksj ØsfMV Qkbys çk;kstd csd }kjk,uihlhvkbz }kjk Hksth tk,xh rfkk Qkbys çkir gksus ij xro; csd bugs viuh lhch,l ç.kkyh es viyksm dj ysxk A Þ,u,lh,p dh vkod ØsfMV Qkbyß viyksm djus ds fy;s vko';d dlvekbts'ku dj fy;k x;k gs A m e okj MkVk os;jgkml csd es ykxw bzmhmcy;w cgq&lzksr fllveks ls MkVk dk HkMkj gs ftls lkfkzd fu.kz; ij igqpus ds fy, vke rroks ds vk/kkj ij tksm+k tk ldrk gs A MkVk os;jgkml lcf/kr lzksr ç.kkyh es j[ks x;s ifjpkyu MkVkcsl ls Lor= gs A fofhkuu lzksr ç.kkfy;k] tsls lhch,l] vkbzch,l],vh,e flop] MsfcV dkmz] ØsfMV dkmz] ih,e,l] ih,uch VªSd] Vªstjh] ysmj],pvkj,e,l ¼deZpkjh çksqkby½] foùkh; lekos'ku] ekbdj] vksch;w] çoklh bdkb;k] dks blds lkfk,dhd`r fd;k x;k gs A MkVk dks cs d ds mi;ksxdrkz çhkkxks dh vko';äkuqlkj vksj lkjk'khd`r fd;k tkrk gs A MkVk os;jgkml fofhkuu IokbV l Y;w'kuks] tsls tksf[ke lek/kku] xzkgd lc/k çc/ku],vh euh y fumªx vkfn ds lzksr fllve ds :i es Hkh dke djrk gs A MkVk os;jgkml ç/kku dk;kzy; ds çhkkxks] QhYM egkçc/kd dk;kzy;ks] emy dk;kzy;ks] 'kk[kk dk;kzy;ks] lkfof/kd fudk;ks] tkp,tsfl;ks vkfn ls çkir vko';drkvks ds vuqlkj rnfkz ç'uks vksj iwoz çdkf'kr,evkbz,l fjiksvksz ds ek/;e ls fofhkuu MkVk çnku djrk gs A VII. vkbzvh lqj{kk csd dh lwpuk lqj{kk uhfr gs ftls cksmz us etwjh ns nh gs vksj uohure ço`fùk vksj lokszùke çfkkvks ds vuqlkj v ru j[kus ds fy, bldh gj lky leh{kk dh tkrh gs A bldh,d lwpuk lqj{kk oklrqdyk dk;kzuo;u lfefr Hkh gs tks lwpuk lqj{kk flfkfr ds dk;kzuo;u dh leh{kk vksj vuq'klk djus ds fy;s ekfld vk/kkj ij csbd dk vk;kstu djrh gs A v uykbu /kks[kk/km+h dks jksdus ds fy, ekfuvfjx,o,vh&fqf'kx xfrfof/k;ks dks etcwr djus ds fy, csd }kjk i;kzir dne mbk, x;s gs A csd ds usvodz es lwpuk lqj{kk dh?kvukvks ij utj j[kus VI. Bnk hs developed the complete setup in CBS nd the NACH system is running successfully to hndle APBS trnsction files. Opening of Inlnd letter of credit nd confirming through SFMS Brnches re now ble to send / receive ILC through SFMS in stndrdized formt s per uniform customs nd prctices cceptble to ll Bnks. The beneficiry does not need confirmtion from the issuing bnker. ACH (Automted Clering House) project of NPCI ACH is ntionl system with centrlized pltform for bulk electronic debit nd credit trnsctions. It lso provides the fcility of electroniclly hndling the 'customer mndte'. In ACH, ECS Debit nd Credit files will be sent by the sponsor bnk through NPCI nd the destintion bnk, on receiving the file(s), will uplod the sme in their CBS system. Necessry customiztion hs been done for uploding the 'Inwrd Credit file of NACH'. Enterprise-wide Dt Wrehouse Enterprise-wide Dt Wrehouse (EDW), implemented in the Bnk, is repository of dt from multiple source systems, which cn be combined bsed on common elements to rrive t meningful decisions. Dt Wrehouse is independent of the opertionl dtbses mintined in the respective source systems. Vrious source system viz CBS, IBS, ATM Switch, Debit Crd, Credit Crd, PMS, PNB Trc, Tresury, LADDER, HRMS (Employee profile), FI, MICR, OBU, Overses Units hve been integrted with EDW. The dt is further summrized s per the reporting requirements specified by the user divisions of the Bnk. Dt wrehouse lso cts s source system for different point solutions like Risk Solutions, Customer Reltionship Mngement, Anti Money Lundering, etc. Dt Wrehouse is providing informtion/dt per requirements received from vrious HO Divisions, FGMOs, COs, BOs Sttutory bodies, Investigting Agencies etc. through d-hoc queries nd pre-published MIS Reports. VII. IT Security Bnk hs Informtion Security Policy, which is pproved by Bord nd reviewed ech yer to keep it updted s per ltest trend nd best prctices. It is lso hving n Informtion System Security Architecture Implementtion Committee (ISSAIC), which meets on monthly bsis to review nd recommend implementtion of Informtion security posture. The Bnk hs tken dequte steps to strengthen monitoring nd nti-phishing ctivities to prevent online fruds. To monitor informtion security events cross the Bnk's 46

49 ds fy,] csd us lqj{kk lpkyu dsuæ ¼,lvkslh½ dh LFkkiuk dh gs tks fdlh Hkkjrh; csd }kjk LFkkfir vius fdle dk igyk dsæ gsa usvodz ds Hkhrj rfkk usvodz ds ckgj] nksuks vksj ls gksus okys fofhkuu [krjks dk fo'ys"k.k vksj fuxjkuh ds fy, bl lqfo/kk dk cgqr lfø; <x ls mi;ksx fd;k tkrk gs A 1. vkbz,lvks lwpuk lqj{kk çc/ku ç.kkyh ¼vkbZ,l,e,l½ fdlh lxbu ds losnu'khy MkVk dks O;ofLFkr <x ls çc/ku djus ds fy;s uhfr;ks vksj çfø;kvks dk,d lsv gs A vkbz,lvks vkbz,l,e,l cukus ds fy,,d fofunsz'ku gs A csd ds føfvdy buýklvªdpj] tsls MkVk lsvj] usvodz v ijs'ku lsvj vksj fmtklvj fjdojh MkVk lkbv vkbz,lvks çekf.kr gs A lhkh uhfr;k vksj çfø;k, lokszùke çfkkvks vksj vkbz,lvks ekud vksj fu;ked fn'kk funsz'kks ds vuqlkj gs A 2. lkbcj Økbe e fuvfjx lsy ¼lhlh,elh½ lhlh,elh lhkh lcf/kr vksj çhkkfor xzkgdks ds lkfk] bvjusv csfdx ¼vkbZch,l½] eksckby csfdx dkmz dk blrseky djrs gq, lfnx/k ysunsu ls lcf/kr xfrfof/k;ks dk leuo; djrk gs A lsy,lvkslh }kjk tkjh vyvz ds vk/kkj ij xzkgdks ds [kkrks es fdlh nqhkkzoukiw.kz xfrfof/k;ks dh tkp lfø;rkiwozd djrk gs A ;fn xzkgd fdlh Hkh bz&psuy ds ek/;e ls vius [kkrks es fdlh Hkh vuf/kd`r ysunsu dh fjiksvz djrk gs rks lsy rduhdh n`f"v ls iwjh?kvuk dh tk p djrk gs vksj 'kkfey /ku jkf'k okfil ds [kkrks es tek djus ds fy, lhkh mik; djrk gs A 3. xksikyd`".k lfefr dh flqkfj'ks csd }kjk xksikyd`".k lfefr dh flqkfj'kks dks ykxw djus ds fy, dne mbk, x;s gs A fofhkuu dkjzokbz fcnqvks tsls lwpuk lqj{kk dks tksf[ke çc/ku ds lkfk lxfbr djuk] vkbzvh csysl Ldksj dk fu;eu] lfozl ewy;kdu esfvªdl vkfn dk vuqikyu dj fy;k x;k gs A 'ks"k dkjzokbz fcnqvks ds fy, dkjzokbz igys ls gh dh tk jgh gs A 4. O;kikj fujrjrk ;kstuk vksj vkink cpko orzeku ifjn`'; es] tgk lhkh 'kk[kk, dsæhd`r usvodz ds rgr dke dj jgh gs] dusfdvfovh,d fprk dk egroiw.kz fo"k; gsa gkykfd] çr;sd 'kk[kk dks nksgjh dusfdvfovh çnku djrs gq, dusfdvfovh u #ds] bldk /;ku j[kus ds fy;s lhkh lhko mik; fd;s tk jgs gs] fqj Hkh vhkh rd dusfdvfovh #dus dh lhkkouk ls iwjh rjg bdkj ugh fd;k tk ldrk gs A csd ds ikl 'kk[kkvks es fdlh Hkh vkikrdkyhu flfkfr ds ekeys es vckf/kr xzkgd lsok çnku djus ds fy, O;kikj fujrjrk ;kstuk ¼chlhih½ gs A csd ds MkVk lsvj es fmtklvj fjdojh network, Bnk hs estblished Security Opertions Centre (SOC), which is first of its kind tht hs been set up by ny Indin Bnk. The fcility is utilized for nlysis nd monitoring of vrious threts emnting from both within the network s well s from outside the network in very proctive mnner. 1. ISO An Informtion Security Mngement System (ISMS) is set of policies nd procedures for systemticlly mnging n orgniztion's sensitive dt. ISO is specifiction for creting ISMS. Bnk's criticl infrstructure, like Dt Centre, Network Opertion Centre nd Disster Recovery Dt Site re ISO certified. All the policies nd procedures re ligned with best prctices nd ISO stndrds nd regultory guidelines. 2. Cyber Crime Monitoring Cell (CCMC) CCMC co-ordintes the ctivities relted to disputed/ suspected trnsctions, using internet bnking (IBS), mobile bnking nd ATM/ Debit Crds, with ll the relted deprtment /divisions/brnches nd with the ffected customers. The Cell tkes up proctively to check for ny mlicious ctivities in customer ccounts on the bsis of lerts rised by the SOC. In cse the customers report ny unuthorized trnsctions in their ccounts through ny e-chnnel, the Cell exmines the complete incident from technicl ngle nd tkes ll mesures for getting the involved funds refunded/ reversed in the customer's ccount. 3. Goplkrishn Committee Recommendtions Bnk hs initited steps for implementtion of the recommendtions of Goplkrishn Committee. Vrious ction points such s relignment of Informtion Security to Risk Mngement, formultion of IT Blnce Score Crd, Service Vlution mtrix, etc. hve been complied with. Action is lredy underwy for remining ction points. 4. Business Continuity Pln nd Disster Recovery (BCP nd DR) In the present scenrio where ll the brnches re under centrlized network, connectivity is n importnt concern. Though precutions hve been tken to tke cre of connectivity outge by providing dul connectivity to ech brnch, yet chnces of outge cnnot be ruled out completely. Bnk hs well defined Business Continuity Pln (BCP) to provide un-interrupted Customer Services in cse of ny exigency in the brnches. Bnk hs opertionl Disster Recovery Site 47

50 lkbv dke dj jgh gs ftles vpnh rjg ls ifjhkkf"kr fjdojh Vkbe v CtssfVo ¼vkjVhvks½ vksj fjdojh IokbV vkctsfdvo ¼vkjihvks½ gs A bldh dk;kzred rs;kfj;ks dk ijh{k.k djus ds fy;s MkVk fjdojh fmªy fu;fer :i ls dh tkrh gs A 13- ekuo llk/ku çc/ku csd vius dezpkfj;ks dks lcls egroiw.kz vksj ewy;oku lifùk ekurk gs A lgk;d difu;ks es dk;zjr dezpkfj;ks lfgr] dezpkfj;ks dh dqy l[;k ekpz 2013 ds vr es 63]292 Fkh A loxzokj dezpkfj;ks dh l[;k loxz ekpz 2012 ekpz 2013 l[;k dqy LVkQ l[;k dqy LVkQ dk % dk % vf/kdkjh fyfid v/khulfk LVkQ ¼ihVh,l lfgr½ dqy csd us ekuo'kfdr fu;kstu] HkrhZ] mùkjkf/kdkj ;kstuk] usr`ro fodkl vksj dezpkjh dy;k.k ds {ks= es o"kz ds nksjku dbz dne mbk, gsa ekuo'kfä fu;kstu o"kz 2012&13 ds fy, Hkfo"; es gksus okyh lsokfuo`fùk] Hkkoh xfrfof/k] O;olk; folrkj vksj vu; t:jrks dks /;ku es j[krs gq, ekuo'kfä ;kstuk dks le; ij,o oskkfud rjhds ls vfre :i fn;k x;k gsa HkrhZ ;kstuk finys rhu o"kksz ds nksjku] cksmz }kjk vuqeksfnr tu'kfä ;kstuk ds vk/kkj ij O;kid HkrhZ ;kstuk rs;kj dh tk jgh gs A leiw.kz ifj;kstuk ds fou;kl dks le;c) <x ls vksj vyi le; es iwjk djus ds fy;s le; ls iwoz gh vfre :i ns fn;k x;k gsa mùkjkf/kdkj ;kstuk vkus okys o"kksz es dkqh vf/kd l[;k es lsokfuo`fùk dks /;ku es j[krs gq, csd es ekuo llk/ku vrj dkqh c<+us dh lhkkouk gs A bl vrj dks de djus ds fy;s usr`ro fodkl ep dh LFkkiuk dh xbz gs tks csd es fofhkuu çeq[k fteesnkjh es egroiw.kz inks ds fy, mùkjkf/kdkjh dh igpku djsxk A fo'ks"kkrk ds çr;sd {ks= es ekstwnk dk;zikyd vf/kdkfj;ks dh miyc/krk dk [kkdk cuk;k x;k gs vksj çr;sd dk;zikyd dks fo'ks"kkrk ds U;wure 2 {ks=ks ds lkfk ysl djus ds ç;kl fd;s tk jgs gs rkfd mudk osdfyid mi;ksx fd;k tk lds A dezpkjh dh vk;q çksqkby tslk fd Åij crk;k x;k gs] ekuo llk/ku fodkl ;kstuk dh /;kuiwozd vk;kstuk,o fu"iknu djus ds ifj.kkelo:i finys 3 o"kksz ds nksjku vko';äkuq:i O;kid HkrhZ dh xbz ftlds ifj.kkelo:i dezpkjh (DRS) of its Dt Centre with well defined Recovery Time Objective (RTO) nd Recovery Point Objective (RPO). Dt Recovery drill is conducted regulrly to keep testing its functionl prepredness. 13. Humn Resources Mngement Bnk recognizes its employees s the most vitl nd vluble sset. Totl number of employees including those in the subsidiries ws 63,292 t the end of Mrch Cdre-wise Stff Strength Cdre Mrch 2012 Mrch 2013 Number % of Number % of Totl Stff Totl Stff Officer Clerks Sub Stff (incl. PTS) Totl The Bnk hs tken severl inititives during the yer in the res of Mnpower Plnning, Recruitment, Succession Plnning, Ledership Development nd Stff Welfre. Mnpower Plnning For the yer , the Mnpower Pln ws finlized well in time in scientific mnner, properly tking cre of impending retirements, future brnch/ctivity, business expnsions nd other requirements. Recruitment Plnning For the lst three yers, extensive recruitment pln is being prepred bsed on the Mnpower Pln pproved by the Bord. The blue print of the whole project is finlized well in dvnce to ensure completion of the projects in time bound mnner nd in short spn of time. Succession Plnning In view of lrge-scle retirements in the coming yers, humn resources gps re likely to emerge in the Bnk. To ddress these gps, Ledership Development Forum hs been creted which will fcilitte identifiction of successors for vrious key responsibility res/criticl positions in the Bnk. The vilbility of existing Executives in ech re of speciliztion hs been mpped nd effort is on to equip ech Executive with minimum two res of speciliztion in order to hve lternte utiliztion. Age Profile of the Employee As result of the crefully plnned nd executed Humn Resource Development Plns s explined bove, extensive need bsed recruitment ws undertken in the lst three yers, which hs 48

51 dh vk;q es ifjorzu gqvk gs A finys 3 lky es loxzokj vkslr mez dh flfkfr bl çdkj gs% dks vkslr vk;q vf/kdkjh fyfid v/khulfk LVkQ dqy 31 ekpz ekpz ekpz ekpz ih,uch fo'ofo ky; igy csd us çc/k çf'k{kq Lrj ij mudh oklrfod HkrhZ ls iwoz Hkkoh vf/kdkfj;ks ds çf'k{k.k ds fy;s o"kz 2012&13 es ef.kiky Xykscy,tqds'ku lfozflt] cxyksj ds lkfk lk>snkjh dh gs A bl dk;zøe ds fy;s nks cspks dks 'kkfey fd;k x;k gs vksj ;s ef.kiky fo'ofo ky;] cxyksj es csd dh t:jrks ds vuqlkj rs;kj fd;s x;s çf'k{k.k dk;zøe es Hkkx ys jgs gs A nksuks csp viuk,d o"kz dk çf'k{k.k iwjk dj ysus ds ckn csd dks flrecj vksj fnlecj] 2013 es çkir gks tk,xs vksj vf/kdkfj;ks ds :i es csd ds dk;zcy es 'kkfey gksus ds fy, rs;kj gks tk,xs A LVkQ ds fy, dy;k.k ;kstuk, ekstwnk g flivykbts'ku fjyhq ;kstuk vksj esfmdy psdvi djkus ds fy, ;kstuk es lq/kkj lfgr LVkQ ds dy;k.k ds fy, ubz ;kstuk, 'kq: dh xbz gs A bu ;kstukvks es csd dh lsok ds nksjku ejus okys dezpkfj;ks ds ifjokjks dks foùkh; lgk;rk çnku djuk 'kkfey gs A ls lsokfuo`ùk dezpkfj;ks ds fy;s ih,uch gkflivykbts'ku dvªhc;wvjh csfufqv ;kstuk] gkflivykbts'ku fjyhq ;kstuk vksj 40 lky ls vf/kd Åez okys ds esfmdy psdvi ;kstuk ds vrxzr foùkh; lgk;rk es o`f) dh xbz gs A vkj{k.k uhfr csd Hkkjr ljdkj }kjk le; & le; ij vuqlwfpr tkfr;ks ] vuqlwfpr tutkfr;ks vksj vu; finm+k oxz ds fy;s ;Fkk fu/kkzfjr vkj{k.k uhfr dk ikyu djrk gs A vuqlwfpr finm+k oxz dezpkfj;ks dh l[;k loxz ekpz 2012 ekpz 2013 v-tk- v-t-tk- v-fi-o- v-tk- v-t-tk- v-fi-ovf/kdkjh fyfid v/khulfk LVkQ ¼ihVh,l lfgr½ dqy ekuo llk/ku çc/ku ç.kkyh ¼,pvkj,e,l½,pvkj,e,l ^ih,uch ifjokj^ &,d ihiqy l V isdst gs ftles lhkh dezpkfj;ks dk,d liw.kz MkVkcsl miyc/k gs] bldh enn ls csd lhkh dezpkfj;ks ls lcf/kr dk;ks Z tsls LVkQ dy;k.k ykhk] fofhkuu çfriwfrz;k] Nqêh fu;e vkfn es lwpuk çks ksfxdh dk çhkkoh resulted in chnges in employee ge profile. The position of cdre-wise verge ge in the lst 3 yers is s under: Averge ge s on Officer Clericl Sub-Stff All 31st Mrch st Mrch st Mrch st Mrch PNB University Inititive The Bnk hs entered into prtnership with Mnipl Globl Eduction Services (MGE), Bnglore in for induction trining of prospective officers t Mngement Trinee level before their ctul recruitment. Two btches hve been inducted for this progrmme nd re undergoing trining progrmmes which were customised s per Bnk's requirements t Mnipl University, Bnglore. Both btches will be vilble to the Bnk during September nd December 2013 fter completion of their one yer trining nd shll be redy for joining the workforce in the Bnk s officers. Welfre Schemes for Stff New schemes hve been introduced for the welfre of stff including improvement in the existing Hospitliztion Relief Scheme nd scheme for providing medicl check-up. These schemes include finncil id to the fmilies of the employees who die while in service of the Bnk. The mount of finncil id hs been enhnced under PNB Hospitliztion Contributory Benefit Scheme for retired employees, Hospitliztion Relief Scheme nd Scheme of providing fcility of Medicl Check-up of the employees/spouses bove 40 yers of ge w.e.f Reservtion Policy The Bnk follows the reservtion policy for SCs, STs nd OBCs s prescribed by Government of Indi from time to time. Strength of SC/ST/OBC Employee Cdre Mrch 2012 Mrch 2013 SC ST OBC SC ST OBC Officer Clerks Sub Stff (incl. PTS) Totl Humn Resources Mngement System (HRMS) HRMS 'PNB Privr' - A People Soft Pckge contining n exhustive dtbse of ll the employees, hs enbled Bnk to effectively utilize technology for implementing ll employee relted tsks like stff welfre benefits, vrious reimbursements, trnsfer/ 49

52 <x ls ç;ksx dj jgk gs A,pvkj,e,l ds ek/;e ls lhkh dezpkfj;ks dk osru v uykbu ØsfMV fd;k tk jgk gs A foùkh; o"kz 2012&13 ds fy, V i esustesv xzsm 6 rd ds vf/kdkfj;ks dh ih,,q dk v u ykbu dj fn;k x;k gsa inksuufr;k o"kz 2012&13 ds nksjku] lhkh inksuufr çfø;kvks dks o"kz dh çfke frekgh es ] vfkkzr twu 2012 rd] iwjk fd;k x;k A o"kz ds nksjku Ldsy I ls II es inksuur vf/kdkfj;ks dh l[;k 1296] Ldsy II ls III es 874] Ldsy III ls IV es 111] Ldsy IV ls Ldsy V es 69] Ldsy V ls Ldsy VI es 34 vksj Ldsy VI ls Ldsy VII es 13 Fkh A o"kz 2012&13 ds nksjku dkexkj loxz es fueufyf[kr dezpkfj;ks dks Hkh inksuur fd;k x;k gs % 1- fyfid ls ts,eth Ldsy A es vf/kdkjh % 1591 ¼flysfDVfoVh psuy AA½ % 1087 ¼flysfDVfoVh psuy A½ 2- v/khulfk LVkQ ls fyfid % 827 vks ksfxd lc/k csd es vks ksfxd lc/k lksgknziw.kz cus gq, gs] dezpkjh }kjk mbk, x;s eqíks ij rrdky dkjzokbz dh tkrh gs A fofhkuu eqíks ij ppkz djus vksj mugs gy djus ds fy, dne mbkus ds fy, o"kz ds nksjku cgqer okyh v ;wfu;u ds çfrfuf/k;ks ds lkfk fofhkuu csbdks dk vk;kstu fd;k x;k A çf'k{k.k xfrfof/k;k csd dh çf'k{k.k ç.kkyh lhkh Lrjks ij LVkQ ds Kku] dks'ky vksj eukso`fùk lo/kzu ds fy, çhkkoh <x ls dk;z dj jgh gs] ;g csd ds lxbukred mís';ks & xzkgd ds fær vksj çks ksfxdh lpkfyr csd] ds vuq:i gs A csd es 3 Lrjh; çf'k{k.k O;oLFkk gs A fnyyh es 'kh"kz Lrj ij,d dsæh; LVkQ d yst ¼lh,llh½ gs tks ^vf[ky Hkkjrh;^ vk/kkj ij e/; çc/ku xzsm ds vf/kdkfj;ks dh çf'k{k.k vko';drkvks dks iwjk djrk gs A csykiqj & uoh eqecbz] y[kuå vksj ipdqyk es rhu {ks=h; LVkQ dkyst ¼vkj,llh½ flfkr gs tks çc/ku vf/kdkfj;ks ds lkfk gh dkexkj LVkQ dh çf'k{k.k vko';drkvks dks ns[krs gs vksj nsgjknwu] ubz fnyyh] t;iqj] dksydkrk] dksf>dksm] yqf/k;kuk vksj ivuk es flfkr lkr vkpfyd çf'k{k.k dsæ ¼ZTCs½ çc/ku xzsm vf/kdkfj;ks vksj dezdkj LVkQ dh t:jr dks iwjk djrs gs A Qjhnkckn es,d lwpuk çks ksfxdh çf'k{k.k dsæ Hkh flfkr gs tks lwpuk çks ksfxdh ds {ks=ks es dsoy vf/kdkfj;ks dh çf'k{k.k vko';drkvks dks iwjk djrk gs rfkk,d Lok;Ùk llfkku ftldk uke ih,uch lwpuk çks ksfxdh llfkku ¼ih,uch vkbzvkbzvh½ gs tks ih,uch lfgr fofhkuu csdks ds vf/kdkfj;ks ds fy, csfdx çks ksfxdh ij dk;zøeks dk vk;kstu djrk gs A csd Hkkjr rfkk fons'kks es flfkr fo[;kr ckgjh çf'k{k.k llfkkuks] tsls,,llhvkbz] gsnjkckn] lhvksmh] gsnjkckn] vkbzmhvkjchvh gsnjkckn],uvkbzch,e iq.ks] lh,ch ¼vkjchvkbZ½ iq.ks] lh,,qvkj,,y],qbzmh,vkbz vksj vkbz,evkbz vkfn ds }kjk fof'k"v {ks=ks es vius fofhkuu xzsmks ds vf/kdkfj;ks dks Hkh çf'k{k.k çnku djkrk gs A postings, leve rules, etc. Slry is being credited online through HRMS centrlly in respect of ll employees. PAF submission/ ssessment of officers' upto TEG-VI hs been mde on-line for the FY Promotions During the yer , ll promotion processes were completed in the first qurter of the yer i.e. upto June The number of officers promoted during the yer from Scle I to II ws 1296, Scle II to III ws 874, Scle III to Scle IV ws 111, Scle IV to V ws 69, Scle V to VI ws 34 nd Scle VI to Scle VII ws 13. During the yer , following number of employees in workmen cdre hve lso been promoted: 1. Clerks to Officers in JMG Scle-I: 1591 (Selectivity Chnnel-II) : 1087 (Selectivity Chnnel-I) 2. Sub Stff to Clerks : 827 Industril Reltions Industril reltions in the Bnk continued to be cordil with issues rised by Workmen Union/Officers' Assocition being ttended to immeditely. Vrious meetings were held with the representtives of the mjority Officers' Assocition/Workmen Union during the yer to discuss vrious issues nd steps tken to resolve the sme. Trining Activities The trining system of the Bnk is functioning effectively for enrichment of knowledge, skills nd ttitude of stff t ll levels, in line with the orgniztionl objective to trnsform the Bnk to customer centric nd technology driven bnk. Bnk hs three-tier trining set up. There is Centrl Stff College (CSC) t Delhi t pex level ctering to trining needs of Top / Senior / Middle Mngement Grde officers on 'll Indi' bsis. Three Regionl Stff Colleges (RSCs) locted t Belpur - Nvi Mumbi, Lucknow nd Pnchkul cter to trining needs of Senior / Middle / Junior Mngement officers s well s workmen nd seven Zonl Trining Centres (ZTCs) functioning t Dehrdun, New Delhi, Jipur, Kolkt, Kozhikode, Ludhin nd Ptn look fter the trining needs of Middle / Junior Mngement Grde officers nd Workmen Stff. There is lso one IT Trining Centre locted t Fridbd ctering to trining needs of officers exclusively in the res of Informtion Technology nd n utonomous Institute nmed PNB Institute of Informtion nd Technology (PNB IIT), which conducts progrmmes on Bnking Technology for officils of vrious bnks including Punjb Ntionl Bnk. Bnk lso imprts trining to its officers in different Grdes in specilized res through outside trining institutions of repute, both in Indi nd brod viz. ASCI, Hyderbd, COD, Hyderbd, IDRBT, Hyderbd, NIBM, Pune, CAB (RBI) Pune, CAFRAL, FEDAI nd IMI, etc. 50

53 ÞeS ih,uch gw ß dk;zøe ds vrxzr 24]539 vf/kdkfj;ks vksj 34]542 vokmz LVkQ dks çksqs'kuy l V fldy çf'k{kdks ds }kjk çf'k{k.k çnku fd;k x;k A blds vykok] vf/kdkfj;ks ds lkfk gh fyfid loxz] nksuks es csd es cm+s isekus ij gksus okyh ubz HkrhZ dks /;ku es j[krs gq, muds fy;s 2&24 lirkg ds O;kid ^ços'k çf'k{k.k dk;zøe^ vk;ksftr fd, x, A blds vykok] ekstwnk dezpkfj;ks ds fy;s egroiw.kz fo"k;ks tsls] ØsfMV] d`f"k],l,ebz] fons'kh fofue;] lwpuk çks ksfxdh],uih, çc/ku] tksf[ke çc/ku vkfn dk vk;kstu fd;k x;k A mpp ds bpnqd vuqlwfpr tutkfr ds dezpkfj;ks dks inksuufr iwoz çf'k{k.k çnku fd;k x;k A blh çdkj] fofhkuu es uo inksuur vf/kdkfj;ks dks dk;kzred vksj çc/ku dks'ky {ks=ks es inksuufr i'pkr çf'k{k.k çnku fd;k x;k rkfd os mppkrj fteesnkfj;k ysus ds fy, ysl gks lds A blds vykok] gekjs?kjsyw ldk;ks ds çf'k{k.k dks'ky dks c<+kus ds fy, ldk; fodkl dk;zøe Hkh vk;ksftr fd, x, A csd dh çf'k{k.k uhfr ds vrxzr gj lky 50% dezpkfj;ks dks çf'k{k.k çnku djus dh ifjdyiuk dh xbz gs A bl mís'; dh iwfrz ds fy,] o"kz 2012&13 ds nksjku] csd us bu&gkml çf'k{k.k ds ek/;e ls 44]877 dezpkfj;ks dks 1]49]736 Je fnuks dk çf'k{k.k fn;k A blds vykok] 1]899 vf/kdkfj;ks us Hkkjr vksj fons'kks es flfkr çfrf"br llfkkuks es fo'ks"k çf'k{k.k es Hkkx fy;ka bz&yfuzx csd dh çf'k{k.k ç.kkyh es dezpkfj;ks dh vf/kd ls vf/kd çf'k{k.k igqp dh lqfo/kk ds fy, çks ksfxdh dk O;kid mi;ksx fd;k tkrk gsa csd dh,d fo'ks"k Kku dsæ osclkbv gs ftles ç/kku dk;kzy; ds lhkh çhkkxks ds bz ifji= vksj uohure csfdx,o vkffkzd vimsv gs A ;g osclkbv LVkQ dks lhch,l usvodz vksj bvjusv] nksuks ds ek/;e ls miyc/k gsa ^ih,uch Kkuksn;^ csd dk fo'ks"k bz&yfuzx ep gs tks ns'k Hkj es vksj fons'kks es lhkh dezpkfj;ks ds fy, 24X7 lqyhk gsa ;g lh[kus dk,d bvj,fdvo eksm gs ftles fofhkuu csfdx fo"k;ks dks 'kkfey fd;k x;k gs tsls ØsfMV] fons'kh eqæk] fjvsy csfdx] dsokbzlh ¼vius xzkgd dks tkus ¼,Vh euh y fumªx½] foi.ku] tksf[ke çc/ku],uih, dk lek/kku vkfn A 14- çc/ku lwpuk ç.kkyh çc/ku lwpuk ç.kkyh çhkkx dks ¼,evkbZ,lMh½,evkbZ,l ds ds æhdj.k ds mís'; ls LFkkfir fd;k x;k Fkk A bl mís'; dks çkir djus ds fy,] bvjçkbt okbzm MkVk os;jgkml ¼bZMhMCY;w ½ ykxw fd;k x;k Fkk A bzmhmcy;w ds ek/;e ls fjiksfvzx ds fy, vksj lkfk gh fo'ys"k.kkred ç;kstuks ds fy, vko';d MkVk ij lh/ks gh igqpk tk ldrk gs A vc rd bzmhmcy;w us ç/kku dk;kzy; ds 21 çhkkxks dh 478 fjiksvks Z dks dlvekbt dj fn;k gs A ysmj ¼yksUl,M,Mokflt MkVk MsLd Qkj bosy;w,'ku,m fjiksvz~l½ ç.kkyh csly I, II vksj III,o flfoy ekm~;wy,dhd`r ç.kkyh gs] ftles ekfld :i ls MkVk v ru fd;k tkrk gs A ØsfMV ds fy;s ekudhd`r,çksp ysmj ç.kkyh ds csly II ekmîwy ds }kjk dk;kzfuor dh xbz gs ftlls fu;ked ds fn'kkfunsz'kks ds vuqlkj _.kks,o vfxzeks ds lc/k es tksf[ke okyh vkflr;ks dh x.kuk dh Under "I AM PNB" progrmme, 24,539 Officers nd 34,542 Awrd stff were given trining through professionl soft skill triners. Further, looking t the lrge scle new recruitment in the bnk both in Officer s well s clericl cdre, comprehensive 'Induction Trining Progrmmes' of 2-24 weeks were orgnized for them. In ddition, for the existing employees trinings in key subject res like Credit, Agriculture, SME, Foreign Exchnge, Informtion Technology, NPA Mngement, Risk Mngement, etc. were conducted. SC/ST employees spiring for higher grde/scle were provided pre-promotion trining. Similrly, newly promoted officils in different Grde / Scle were covered under post promotion trinings both in functionl nd mngement skill res to equip them to tke higher responsibilities. Besides, Fculty Development Progrmmes were lso orgnized for enhncing the trining skills of our in-house Fculty. Trining Policy of the Bnk envisges trining rech of 50% of employees every yer. Towrds fulfillment of this objective, during the yer , Bnk imprted 1,49,736 mn-dys trining to 44,877 employees through in-house trining. In ddition, 1899 officers ttended specilized trinings t outside Institutes of gret repute in Indi nd brod. E-Lerning Trining system of the Bnk mkes extensive use of technology for fcilitting greter trining rech of the stff. There is n exclusive Knowledge Centre website, comprising of e-circulrs of ll HO Divisions, nd the ltest bnking nd economic updtes. This website is vilble to the stff both through CBS network s well s vi internet. 'PNB Gynudy', Bnk's exclusive e-lerning pltform is ccessible 24 X 7 to ll employees cross the country nd brod. This is n interctive mode of lerning tht covers bnking topics on vrious focus res viz. Credit, Foreign Exchnge, Retil Bnking, CBS/IT, KYC (Know Your Customers)/ AML (Anti Money Lundering), Mrketing, Risk Mngement, Resolution of NPAs, etc. 14. Mngement Informtion System Mngement Informtion System Division (MISD) ws set up with the objective of centrliztion of MIS. To chieve this objective, Enterprise-wide Dt Wrehouse (EDW), hd been implemented. EDW set up hs fcilitted redy ccess to dt required for Regultory/Sttutory reporting s well s for nlyticl purposes. So fr EDW hs customized 478 returns pertining to 21 HO Divisions. LADDER (Lons nd Advnces Dt Desk for Evlution nd Reports) System, is n integrted system comprising of Bsel I,II III nd CIBIL modules, with monthly dt updtion periodicity. Stndrdised Approch for credit hs been implemented through Bsel - II module of LADDER system thus enbling clcultion of risk weighted ssets (RWAs) in respect of Lons & Advnces s per guidelines of regultor. LADDER System 51

54 tk ldrh gs A ysmj ç.kkyh dk dk;kzuo;u _.k [kkrks ],evkbz,l ls lcf/kr _.k ds tsujs'ku vksj _.k lc/kh lwpuk dh çkfir] vkflr oxhzdj.k vksj,uih, ds lc/k es çko/kkuks dh x.kuk dk MkVkcsl cukus ds fy;s Hkh fd;k tk jgk gs A ßlhch,l ds lkfk ysmj dk,dhdj.kß ifj;kstuk dks liw.kz csd es 1 vdvwcj 2010 ls dk;kzfuor fd;k x;k gs vksj bldk mís'; flxy IokbV MkVk çfof"v çkir djuk gs A blls vkflr oxhzdj.k ds fy;s esuqvy glrk{ksi dh vko';drk vksj ysmj MkVk ds çlrqfrdj.k le; dks dks de fd;k tk ldsxk A ysmj ç.kkyh ds folrkj] flfcy e Mîwy ds ek/;e ls lhkh [kkrks dk MkVk rhu _.k lwpuk difu;ks dks ekfld vk/kkj ij Hkstk tk jgk gs ftlls gekjh 'kk[kkvks dks _.k lc/kh fu.kz; ysus ds fy, _.k lwpuk fjiksvz ¼lhvkbZvkj½ çkir djus es enn fey jgh gs A o"kz ds nksjku mihkksdrk Js.kh ds vrxzr Hkkoh _.kdrkzvks dh lhvkbzvkj vksj okf.kft;d Js.kh ds vrxzr lhvkbzvkj flfcy],dlihfj;u] gkbzekdz vksj bfdoqsdl ds MsVkcsl ls izkir dh xbz Fkh A csd dsæh; jftlvªh ds lkfk lkfe;d c/kd ds C;kSjks dk ithdj.k dj jgk gs A vc rd gekjs csd us ekeyks es VkbVy MhM ds tek ls lqj{kk fgr ¼c/kd½ nk;j fd;k gs A bldk mís'; cgq foùk iks"k.k dks jksduk gs rkfd,d ls vf/kd foùkh; llfkkvks dks,d gh lifùk fxjoh j[k dj gksus okyh /kks[kk/km+h ls cpk tk lds A 15- xzkgd lsok xzkgd lsok csd ds O;olk; vksj blds fodkl dk,d vfhkuu fgllk gsa xzkgdks dh fu"bk vpnh lsok vksj mi;ksxh mrikn,o lsok, çnku djus ls curh gs A xq.kork ;qä xzkgd lsok lqfuf'pr djus ds fy,] csd us ifjpkyu vksj O;ogkj lhkh igyqvks ij dezpkfj;ks dks çf'kf{kr djus ds fy, Bksl ç;kl fd, gs A xzkgd lsok es lq/kkj djus rfkk f'kdk;rks ds çokg dks de djus ds fy, le; le; ij leh{kk rfkk vu; mik; fd, tkrs gs A blds vykok csd us csdks es xzkgd lsok çnku djus dh ekstwnk ç.kkyh dh leh{kk vksj ewy;kdu rfkk f'kdk;rks ds 'kh?kz lek/kku ds fy, mik; djus ds lc/k es nkeksnju lfefr dh vf/kdk'k flqkfj'kks dks Lohdkj dj fy;k gs A csd es çkir f'kdk;rks dk fo'ys"k.k fd;k tk jgk gs vksj mudh iqujko`fùk dks jksdus ds fy;s çhkkoh mik; fd, tk jgs gs A o"kz 2012&13 ds nksjku csd }kjk xzkgd lsok dh fn'kk es ubz igy djrs gq, fueufyf[kr çhkkoh dne mbk, gs % lkeku; f'kdk;rks dh fuokj.k vof/k 30 fnu ls?kvkdj 21 fnu dj nh xbz gs A LVkQ lnl;ks es csd ds u, mriknks,o ;kstukvks ds çpkj,o mudh tkx:drk dks c<+kus ds fy, csd dh lhkh 'kk[kkvks es Fkhe vk/kkfjr csbd ekfld vrjky ij,d fuf'pr frffk ij vk;ksftr dh tkrh gs A bu csbdks dk dk;zo`ùk gj eghus dlvej ds;j ls Vj dks Hkstk tkrk gs A is lso being implemented for creting dtbse for borrowl ccounts, genertion of credit relted MIS nd retrievl of credit relted informtion, sset clssifiction nd computtion of provision in respect of NPAs. The project of "Integrtion of LADDER with CBS" hs been implemented cross the Bnk w.e.f. 1st October 2010 nd is imed t chieving single point dt entry. This will obvite the need for mnul intervention for Asset Clssifiction nd minimize submission time of LADDER dt. Dt of ll ccounts is being trnsmitted to three Credit Informtion Compnies on monthly bsis through CIBIL Module, n extension of Ldder System, thus enbling our brnches to drw Credit Informtion Reports (CIRs) for tking credit relted decisions. 8,14,816 CIRs of prospective borrowers under Consumer ctegory nd 21,819 CIRs under commercil ctegory were drwn from CIBIL, Experin, High Mrk nd Equifx dtbses during the yer. Bnk is registering the detils of equitble mortgges with centrl registry. So fr, Bnk hs filed Security interest (mortgges) by deposit of Title Deeds in 39,00,646 cses. The objective is to void multiple finncing thereby preventing perpetrtors of fruds from mortgging the sme property to more thn one finncil institution. 15. Customer Cre Customer Service of the Bnk is n integrl prt of the Bnk's business nd its growth. Customer loylty is built through good service nd useful products nd services. In order to ensure customer service of high order, the Bnk hs tken concerted efforts to trin the stff on the opertionl nd behviorl spects. Periodicl reviews nd other mesures re being tken on n ongoing bsis for improvement of customer service to minimize the inflow of complints. Further, the Bnk ccepted most of the recommendtions of Dmodrn Committee with respect to reviewing nd evluting the existing system of ttending to customer service in bnks nd for tking mesures for expeditious resolution of complints. The complints received by the Bnk re nlyzed nd effective mesures re undertken to void recurrence of the sme. Some of the new inititives towrds effective customer cre tken by the Bnk during the yer re enumerted below: Time period for redressl of generl complints hs been reduced from 30 dys to 21dys. Theme Bsed Meetings re conducted in ll Brnches on common dte t monthly intervls to bring wreness bout Bnk's products nd schemes nd for improving knowledge nd skill mongst the stff. The minutes of these meetings re being sent to Customer Cre Centre every month. 52

55 ubz ;kstukvks dk lkj,pvkj,e,l osclkbv ds uksfvl cksmz ij ds eq[k i`"b ij çnf'kzr fd;k tk jgk gs A csd iksvzy ds ç;ksx }kjk xzkgd fo'ks"k :i ls vkuykbzu f'kdk;r ntz djk lds ] blds fy, lhkh emy dk;kzy;ks vksj,qth,e dk;kzy;ks ds Lokxr d{kks ij bvjusv dusd'ku ds lkfk,d lefizr di;wvj ç.kkyh dh O;oLFkk dh xbz gs A dkmvj ij,d lwpd cksmz çnf'kzr fd;k x;k gs ftl ij ßvkuykbZu f'kdk;r&qhmcsd fd; Ldß fy[kk gs A dky lsvj }kjk lqyrkiwozd 'kk[kkvks es g Vykbu LFkkfir dh xbz ftlls xzkgdks dks lh/ks dky lsvj ls leidz djus dh lqfo/kk gksxh A csd ds çhfe;e xzkgdks dks d y ds fy, fo'ks"k :i ls Vksy Ýh uecj dh lqfo/kk çnku dh xbz gs A blds vfrfjä,d vu; osdfyid Vksy Ýh uecj LFkkfir fd;k x;k gs A xzkgd lsok dsuæ ds vf/kdkfj;ks }kjk jk"vªh; jkt/kkuh {ks= dh 'kk[kkvks es fu;fer :i ls ßfeLVªh 'k fixß dh tk jgh gs A vkxs ls],slk pquh gqbz f'kdk;r cgqy 'kk[kkvks ¼çxfr rfkk xsj&çxfr½ es fd;k tk,xk A vyx&vyx vf/kdkfj;ks }kjk 'kk[kk es vxys rhu eghuks es ckj&ckj t p dh tk,xh ftlls dfe; lekir djus ds Lrj dh t p dh tk lds rfkk LVkQ dks xzkgd lsok dk Lrj lq/kkjus ds fy, lqxzkgh cuk;k tk lds A csfdx yksdiky ;kstuk] chlh,lchvkbz dksm rfkk ih,uch }kjk xzkgd lsok es lq/kkj gsrq dh xbz igyks ds lc/k es dq:{ks= es dks csfdx vkmvjhp dk;zøe vk;ksftr fd;k x;k A xzkgd&lsok&lsflvkbts'ku dk;zøe ^vkbz,e ih,uch^ dk çf'k{k.k csd ds lelr LVkQ dks fn;k x;k A LVkQ es xzkgd lsok dh dfe;ks ds çfr tkx:drk isnk djus ds mís'; ls f'kdk;r lc/kh ekfld cqysfvu ^dlvej LihDl^ çdkf'kr fd;k tk jgk gs ftles dqn pquh gqbz f'kdk;rs ] muds lek/kku rfkk dh xbz dkjzokbz ds fooj.k fn, tk jgs gs A bl cqysfvu dks csd dh bz&ldqzyj lkbv ¼ es Hkh n'kkz;k tk jgk gs A bldk fyd lhch,l ds eq[;~ i`"b ij Hkh miyc/k gs A csdks es xzkgd lsok ds ckjs es tkx:drk isnk djus] csfdx yksdiky ;kstuk 2006 rfkk vu; egroiw.kz ekeyks ds lc/k es bl o"kz fofhkuu LFkkuks ij uxjh; dk;zøe vk;ksftr fd, x, A f'kdk;rks dh dqy l[;k xzkgdks dh f'kdk;rs d½ o"kz ds vkjhk es yfcr f'kdk;rks dh l[;k 301 [k½ ls ds nksjku çkir f'kdk;rks dh l[;k x½ ls ds nksjku fuokj.k dh xbz f'kdk;rks dh l[;kj?k½ ds vr rd yfcr f'kdk;rks dh l[;k 236* * lhkh f'kdk;rks dk fujkdj.k dj fy;k x;k gs A Gist of new Schemes is being displyed on the home pge of HRMS website on Notice Bord. All Circle Offices nd FGM Offices hve been provided with dedicted computer system with internet connection t the reception counter exclusively for customers to enble them to file online complints by using the Bnk's portl. The indictor bord "On Line Complint cum Feedbck Kiosk" is displyed t the counter. Cll Centre successfully implemented instlltion of Hotline in brnches which will llow customers to connect directly to Cll Centre. Toll free number hs been mde live exclusively for ttending clls from premium customers of the Bnk. One more toll free number hs been instlled s stndby. The officils of Customer Cre Centre hve been conducting "Mystery Shopping" in the brnches of NCR on regulr bsis. Henceforth, it will be conducted in select complint prone brnches (PRAGATI nd non-pragati). The repet check will be conducted fter three months by other officers so s to verify the level of removl of deficiencies nd lso to sensitize the stff to improve the level of customer service. Bnking Outrech Progrmme ws orgnized t Kurukshetr on to crete wreness of Bnking Ombudsmn Scheme, BCSBI codes nd inititives tken by PNB on customer service. Customer Service Sensitiztion Progrmme "I AM PNB" reched out to ll employees of the Bnk. With view to crete wreness mong the stff bout deficiencies of the customer service, monthly Bulletin of complints "Customer Speks" is published which contins selected complints long with resolution nd ction tken. Copy of the Bulletin is lso plced on e-circulr site ( pnbnet.in), link for which is vilble on homepge of CBS. Town Hll events were orgnised t different plces during the yer, for bringing wreness bout customer services in bnks, Bnking Ombudsmn Scheme 2006 nd other key issues. Totl number of complints Customer Complints ) No. of complints pending t the beginning of the yer 301 b) No. of complints received during to c) No. of complints redressed during to d) No. of complints pending s t * *All complints stnd resolved 53

56 csfdx yksdiky }kjk ikfjr vokmz d½ o"kz ds vkjhk es dk;kzfuor u fd, x, vokmksz dh l[;k 0 [k½ ls ds nksjku csfdx yksdiky }kjk ikfjr vokmksz dh l[;kk 14 x½ ls ds nksjku dk;kzfuor fd, x, vokmksz dh l[;k 14?k½ ekpz 2013 ds vr rd dk;kzfuor u fd, x, vokmksz dh l[;k 'kwu; 16- dk;zuhfr ;kstuk,o O;olk; çfø;k jh&bthfu;fjx vius ekuuh; xzkgdks dks xq.koùkkijd vuqhko nsus ds mís'; ls fofo/k xzkgd fe= igy tsls udnh tek e'khuks] psd Mªki e'khuks dh LFkkiuk vkfn 'kq: dh xbz gs A xzkgdks rfkk QhYM dk;zdrkzvks dh lqfo/kk ds fy,,dy O;fä gsrq,d ljy lesfdr [kkrk [kksyus dk QkeZ rfkk vkof/kd tek ds vuqjks/k ds fy,,d i`"b dk QkeZ rs;kj fd;k x;k gsa bzesy] bvjusv] iklcqd v ru djus rfkk lhch,l ds ek/;ke ls tsujsv dh tkus okyh [kkrk fooj.kh dh ujs'ku dk ekudhdj.k fd;k x;k gs rkfd xzkgdks dks ;g ljyrk ls le> vk tk, A gekjs p;fur xzkgdks dh vis{kkvks dks iwjk djus ds fy, ^*osyde fdv** ds ek/;e ls [kkrk [kksyus dh ldyiuk dk vkjhk fd;k x;k gs tks [kkrk [kksyus ds lkfk gh vkb fofhkuuk lsok, Hkh miyc/k djkrk gs A lxbukred n{krk o çhkko'khyrk es lq/kkj ds fy, yksd Hkfo"; fuf/k xfrfof/k;ks dks fyd lsy] ukxiqj ls tksm+k x;k gs] ÝkM fuokj.k rfkk t p d{k dks lrdzrk çhkkx ls vyx dj fn;k x;k gs] jkthkk"kk fohkkx rfkk Mkd çs"k.k dks lqyrkiwozd dsuæhd`r dj fn;k x;k gs A 17- vkrfjd fu;=.k ç.kkyh d½ _.k ys[kkijh{kk rfkk leh{kk _.k ys[kkijh{kk vksj leh{kk] tks _.k leh{kk r= ¼,yvkj,e½ dk,d Hkkx gs] csd }kjk le; ij fu/kkzfjr orzeku Lohd`fr vksj Lohd`fr i'pkr~ ds vuqikyu dh tkp djus ds fy;s dh tkrh gs rkfd mpp ewy; ds _.k [kkrks ds _.k çc/ku es lq/kkj fd;k tk lds A foùkh; o"kz 2012&13 ds nksjku :- 10 djksm+ o vf/kd,dikstj okys ^ch^ rfkk vf/kd tksf[ke nj ds ekud [kkrks rfkk :- 3 djksm+ o vf/kd,dlikstj okys ^lh^ rfkk Mh tksf[ke nj ds ekud [kkrks dh ys[kk&ijh{kk dh xbz A blds vfrfjä] :- 5 djksm+ :- ls :- 10 djksm+,dlikstj okys rfkk :- 3 djksm+ :- o vf/kd ds cdk;k 'ks"k ds 5% [kkrks dh ¼,sls e.myks ls vkdfled :i ls p;fur tg _.k ys[kk ijh{kk ds nk;js es cgqrde ;k dksbz Hkh _.k [kkrk u gks½ ys[kk ijh{kk dh xbz A lkfk gh] :-1 djksm+ ls #i;s 10 djksm+ ls de jkf'k ds,dlikstj okys vu; csdks ls xzg.k fd, x, _.k [kkrks dh ys[kk ijh{kk dh xbz A budh igyh ys[kk&ijh{kk _.k xzg.k djus ds rhu ekg ds vnj dh xbz A Hkkjrh; fjtoz csd dh vis{kkvks ] fd çfro"kz de ls de 30% ls 40% [kkrks dh leh{kk dh tk,] ds foijhr o"kz 2012&13 ds nksjku Awrds pssed by the Bnking Ombudsmn ) No. of unimplemented wrds t beginning of the yer 0 b) No. of wrds pssed by BO during to c) No. of wrds implemented during to d) No. of unimplemented wrds t the end of Mrch, 2013 NIL 16. Strtegic Plnning And Business Process Re-engineering To provide qulity experience to our esteemed customers, vrious customer friendly inititives like introduction of Csh Deposit Mchines, Cheque Drop Mchines, etc. were undertken. For the convenience of customers nd field functionries, simple consolidted ccount opening form for individuls nd single pge request form for term deposits hs been introduced. The nrrtion in the sttement of ccount generted through E-mil, internet, Pssbook updtion nd CBS hs been stndrdized to mke it esily understndble by the customers. The expecttions of our select clients hve been met with the introduction of the concept of opening of ccounts through "Welcome Kit", which instntly provides eight different services long with opening of ccount. To improve Orgniztionl efficiency nd effectiveness, Public Provident Fund ctivities were linked with Link Cell, Ngpur, Frud Prevention nd Investigtion Section ws delinked from Vigilnce Division; Rjbhsh Vibhg nd DAK disptch hve been successfully centrlized. 17. Internl Control System. Credit Audit nd Review Credit Audit nd Review s prt of Lon Review Mechnism (LRM) is undertken to exmine complince with extnt snction nd post-snction processes/ procedures lid down by the Bnk from time to time, with view to bring bout improvement in credit mngement of high vlue borrowl ccounts. During , credit udit ws conducted in 'B' nd bove risk rted stndrd ccounts with exposure of ` 10 crore & bove nd in 'C' nd 'D' risk rted stndrd ccounts with exposure of ` 3 crore nd bove. Further, 5% of ccounts (selected on rndom bsis in circles where either no or few lon ccounts fll under purview of Credit Audit) with exposure from ` 5 crore to ` 10 crore nd outstnding blnce of ` 3 crore nd bove were lso subjected to Credit Audit. Also credit udit ws done of borrowl ccounts tken-over from other bnks, with exposure of ` 1 crore to less thn ` 10 crore, with the first udit being conducted within three months of tke-over. As ginst RBI requirement of t lest 30% to 40% of credit portfolio to be reviewed every yer, during credit 54

57 mä [kkrks es dh xbz _.k leh{kk dh flfkfr ds vuqlkj ¼fuf/k rfkk xsj fuf/k vk/kkfjr½ csd ds?kjsyw _.k iksvzqksfy;ks dk 63-32% Fkh A o"kz 2012&13 ds nksjku csd us fons'kh _.k [kkrks&ih,uch g xdkx rfkk vksojlht csfdx ;wfuv] lhit eqecbz ds [kkrks dh ys[kk ijh{kk dh 'kq:vkr dh A [k½ vkrfjd fu;=.k vkrfjd ys[kkijh{kk ç.kkyh dk eq[; mís'; vkrfjd fujh{k.k ç.kkyh es ifj'kq)rk,o çhkkoksrikndrk ykuk gs tks rsth ls cnyrs csfdx ifjn`'; es egroiw.kz gks xbz gs A 'kh"kz Lrj ij fujh{k.k,o ys[kkijh{kk çhkkx] vius 12 v pfyd ys[kk ijh{kk dk;kzy;ks rfkk QhYM Lrj ij lsokfuo`ùk csd vf/kdkfj;ks,o pkvzm vdkmvsv lfgr ys[kkijh{kdks dh Vhe ds lkfk csd dh 'kk[kkvks ds nsfud ifjpkyuks es tksf[keks dk irk yxkus] mudk vkdyu] fuxjkuh djus o mugs de djds ^*xq.koùkkijd o`f)** ij cy nsrk gs A bu mís';ks dh çkfir gsrq fofhkuu çdkj dh ys[kk ijh{kk dh tkrh gs tsls tksf[ke vk/kkfjr vkrfjd ys[kkijh{kk ¼v u lkbv vksj v QlkbV½ jktlo ys[kkijh{kk] lwpuk ç.kkyh ys[kk ijh{kk ¼vkbZ,l&v fmv½] _.k ys[kk ijh{kk] LuSi ys[kkijh{kk] lsxesv ys[kkijh{kk] vuqikyu ys[kk ijh{kk rfkk Qsek ys[kkijh{kk A ys[kk ijh{kk rduhdks ds {ks= es fofo/k vkbzvh igy dh xbz gs A ih,uch Hkkjr es,slk igyk csd gs ftlus csd dh lhkh lxkeh ys[kk ijh{kk 'kk[kkvks ds fy, ßv uykbzuß tksf[ke vk/kkfjr vkrfjd ys[kkijh{kk ¼bZ&vkjchvkbZ,½ ç.kkyh rfkk jktlo ys[kkijh{kk çkjehk dh gs tks v uykbzu v fmv fjiksvksz dks rs;kj djus] çlrqr djus] çkslsflx djus] vuqikyu dkjzokbz djus rfkk fjiksvz cn djus es lgk;d gs A blds vfrfjä fujh{k.k,o ys[kkijh{kk çhkkx rfkk çr;ssd vkpfyd ys[kkijh{kk dk;kzy; es lefizr fuxjkuh d{kks dh LFkkiuk dh xbz gs ftlls fd ^fjeksv v fmv* ds ek/;e ls fujh{k.k igyw es vksj vf/kd çhkkoksrikndrk ykbz tk lds A foùkh; lsok, fohkkx] foùk e=ky;] Hkkjr ljdkj ds funsz'kks dk vuqikyu djrs gq, tksf[ke vk/kkfjr vkrfjd ys[kk ijh{kk uhfr] vkbz,l ys[kk ijh{kk uhfr] lxkeh ys[kk ijh{kk uhfr] /kks[kk/km+h tksf[ke çc/ku uhfr] nlrkostks ds j[k&j[kko rfkk fjdkmz j[kus dh uhfr dh leh{kk dh xbz gs A Hkkjr ljdkj ds fn'kkfunsz'kks ds vuqlkj fuxfer Lrj ij dk;zikyd ys[kk ijh{kk lfefr ¼,lhbZ½ rfkk çr;ssd vkpfyd ys[kk ijh{kk dk;kzy; Lrj ij vkpfyd ys[kk ijh{kk lfefr ¼tsM,lhbZ½ dk xbu fd;k x;k gs A lrr~ vk/kkj ij lq/kkjkred dkjzokbz ds mís'; ls fujh{k.k,o ys[kk ijh{kk çhkkx] vkpfyd ys[kk ijh{kk dk;kzy;ks rfkk lelr fu;=d es v Q lkbv fuxjkuh d{k LFkkfir fd, x, gsa blds vfrfjä tksf[ke vk/kkfjr vkrfjd ys[kk ijh{kk ds vrxzr 'kk[kkvks dks dh flfkfr ds vuqlkj de tksf[ke ¼4234½ e/;e tksf[ke ¼980½ rfkk mpp tksf[ke ¼17½ Jsf.k;ks es ckvk x;k gsa ls jktlo ys[kk ijh{kk dh vkof/kdrk dks foùkh; o"kz ¼01 vçsy&31 ekpz½ ls dsys Mj o"kz ¼01 tuojh&31 fnlecj½ es ifjofrzr dj fn;k x;k gs A lhkh lxkeh ys[kk ijh{kk 'kk[kkvks dh frekgh vk/kkj ij udit of bove ccounts covered 63.32% of Bnk's domestic credit portfolio s on (Fund bsed nd Non Fund bsed). During , the Bnk hs commenced credit udit of overses lon ccounts - with credit udit of ccounts in PNB Hong Kong nd in Overses Bnking Unit, SEEPZ, Mumbi. b. Internl Control The min objective of Internl Audit System is to bring ccurcy nd effectiveness in the internl control, which hs become crucil in the fst chnging bnking scenrio. Inspection & Audit Division (IAD) t the pex level, with its extended rms of 12 Zonl Audit Offices (ZAOs) nd tem of Internl / Externl Auditors including Chrtered Accountnt Firms nd retired Bnk officils t field level, lys emphsis on "qulity growth" by identifiction of potentil risks nd mesurement nd mitigtion of risks in the Brnches. To chieve the bove objectives, vrious type of Audits re conducted viz. Risk Bsed Internl Audit (Onsite nd Offsite), Revenue Audit, Informtion System (IS), Credit Audit, Snp Audit, Segment Audit, Complince Audit nd FEMA udit. Vrious Informtion Technology relted inititives hve been tken in the re of Audit techniques. PNB is the first bnk in Indi to introduce "ONLINE" Risk Bsed Internl Audit (e-rbia) system nd Revenue Audit for ll Concurrent Brnches of the Bnk, which enbles online preprtion, submission, processing, complince nd closure of Audit reports. Further, dedicted Cell for surveillnce hs been set up t IAD nd t ech ZAO to bring more effectiveness in control spect through "Remote Audit". In complince with the directions of Deprtment of Finncil Services, Govt. of Indi, Ministry of Finnce, Risk Bsed Internl Audit Policy, IS Audit Policy, Concurrent Audit Policy, Frud Risk Mngement Policy, Document Hndling & Retention Policy hve been reviewed. Audit Committee of Executives (ACE) t the Corporte nd Zonl Audit Committee of Executives (ZACE) t ech ZAO level hve lso been set up s per GOI guidelines. Off site Monitoring Cell hs lso been estblished in IAD, ZAOs & ll the Controlling Offices / Divisions for corrective ction on ongoing bsis. Further, under RBIA, brnches hve been ctegorized s Low Risk (4234), Medium Risk (980) nd High Risk (17) s on Periodicity of Revenue Audit hs been chnged from Finncil Yer (1st April-31st Mrch) to Clendr Yer (1st Jnury-31st December) w.e.f Revenue Audit of ll Concurrent Brnches is being done on qurterly bsis nd in cse of non-concurrent brnches, it is done on nnul bsis. For the clendr yer ended , 55

58 rfkk vu; 'kk[kkvks dh okf"kzd vk/kkj ij jktlo ys[kk ijh{kk dh tkrh gs A o"kz dks lekir dsys Mj o"kz dh lekfir ij lhkh dk;kzy;ks dh jktlo ys[kk ijh{kk iwjh dj yh xbz gs rfkk bl nksjku ik, x, lelr de çhkkjks dh olwyh dj yh dj fn;k x;k gs A rd 827 'kk[kkvks dh lxkeh ys[kk ijh{kk dh xbz ftues csd dk 68-44% vfxze] 56-29% tekjkf'k;ks rfkk 61-83% dqy dqy dkjksckj gs] tks Hkkjrh; fjtoz csd ds fn'kkfunsz'kks ds vuq:i gs A fujh{k.k,o fu;=.k çhkkx us fofhkuu QkeksZ] nlrkostks ds ;qfädj.k dh leh{kk Hkh dh gs rkfd mugs xzkgdks dh vis{kkvks ds vuq:i cuk;k tk lds A fujh{k.k,o ys[kk ijh{kk çhkkx es LFkkfir lkbcj Økbe fjiksfvzx d{k }kjk lkbcj Økbe ls lcf/kr f'kdk;rks tsls xzkgdks ds [kkrks es fookfnr ysu&nsuks vksj /kks[kk nsus ds bjkns ls fd, xbz VsyhQksu ls lcf/kr f'kdk;rks ij dkjzokbz dh tkrh gs A x- vius xzkgd dks tkfu, 'kks/ku fuokjd ¼,,e,y½ ljdkj }kjk le; ij tkjh fn'kkfuns Z'kks ds vk/kkj ij xzkgdks ds [kkrk [kksyrs le; vf/kd lrdzrk cjrrs gq, vusd dne mbk, x;s gs A dsokbzlh vis{kkvks ds vuqikyu ds fcuk u, [kkrs [kksyus ij fu;=.k j[kus ds fy, cs d us lhch,l ç.kkyh dh çfø;k es ifjorzu fd;k gs rfkk vc [kkrs dsoy dsokbzlh vuqikyu ds i'pkr~ gh [kksys tkrs gs A [kkrk [kksyrs le; v uykbzu xzkgd LdSfux ç.kkyh dks Hkh cs d }kjk dk;kzfuor fd;k x;k gs A lfnx/k çdkj ds ysu&nsuks dh nsfud vk/kkj ij e fuvfjx dh tkrh gs ftlds fy, cs d us vr;k/kqfud,,e,y lkw Vos;j yxk;k gs] tks /ku 'kks/ku dks jksdus ds fy;s lfnx/k ysunsuks dk irk yxkus ds fy;s iwoz ifjhkkf"kr isjkehvjks ij vk/kkfjr gs A foùkh; vklwpuk bdkbz&bfm;k ¼,QvkbZ;w&bM½ dks fueufyf[kr vkof/kd fjiksvsz v uykbzu çlrqr dh tkrh gs % 1- ds'k VªktsD'ku fjiksvz ¼lhVhvkj½ 2- lflif'k;l VªktsD'ku fjiksvz ¼,lVhvkj½ 3- dkmvjfqv djlh fjiksvz ¼lhlhvkj½?k- çcu/ku ys[kkijh{kk csd es çcu/ku ys[kkijh{kk dh igpku,d i`fkd dk;z ds :i es dh xbz gs rfkk ls LorU= çcu/ku ys[kkijh{kk,o leh{kk çhkkx ¼,e,vkjMh½ çpkyu es gs A vius ç'kklfud dk;kzy;ks dh çc/ku ys[kk ijh{kk djkus ds fy;s csd es tksf[ke vk/kkfjr çc/ku ys[kk ijh{kk ¼vkjch,e,½ ç.kkyh gs A ;g ys[kkijh{kk csd es tksf[ke VsEiysV~l rfkk tksf[ke çksqkby ij vk/kkfjr gs ftlls ç'kklfud dk;kzy;ks dh çdk;kzredrk] ftles fu.kz; ysus dh çfø;k] lçs"k.k ç.kkyh] n{k lzksr mi;ksx] y{; miyfc/k ds fy, ç;qä lk/ku vkfn 'kkfey gs] ls fofo/k {ks=ks es lhkkfor tksf[ke dks fu;f=r fd;k tk lds A çcu/ku ys[kkijh{kk,o leh{kk çhkkx ¼,e,vkjMh½ us i;kzir Revenue Audit in ll the Brnches hs been completed nd the underchrges detected during the period stnd recovered/wived. As on , Concurrent Audit in the 827 Brnches covered 68.44% of dvnces, 56.29% of deposits nd 61.83% of bnk's totl business, which is in line with RBI guidelines. IAD hs lso reviewed rtionliztion of vrious forms / documents during the yer to mke them customer friendly. Cyber Crime Reporting Cell estblished t IAD tkes cre of cyber crime relted complints pertining to disputed trnsctions in the customers' ccounts nd hox clls. c. Know Your Customer(KYC)/Anti Money Lundering(AML) Bnk hs tken number of inititives to be more vigilnt while opening ccounts bsed on the guidelines issued by regultor/government of Indi from time to time. In order to check opening of fresh ccounts without complying with KYC requirements, bnk hs modified the procedure in CBS system nd ccounts re now being opened only fter complince of KYC norms. The Bnk hs lso implemented the system of on-line customer scnning t the time of opening of ccount. The system-generted lerts re monitored on dily bsis through AML softwre, bsed on predefined prmeters, to detect trnsctions of suspicious nture for prevention of money lundering. The following reports re submitted periodiclly online to Finncil Intelligence Unit-Indi (FIU-IND): 1. Csh Trnsction Reports (CTRs) 2. Suspicious Trnsction Reports (STRs) 3. Counterfeit Currency Report (CCRs) d. Mngement Audit The Mngement Audit hs been identified s seprte function in the Bnk nd n independent Mngement Audit & Review Division (MARD) is in opertion since The Bnk hs in plce Risk Bsed Mngement Audit (RBMA) system for conducting mngement udit of its dministrtive offices. The udit is bsed on risk templtes nd risk profiles prepred in-house to cpture risk perceptions inherent in vrious res of functioning of dministrtive offices including decision-mking process, communiction system, efficient resource utiliztion nd mens used to chieve the gol, etc. MARD hs since strted conducting 56

59 Z mpp tksf[ke lhkkouk okys p;fur ç'kklfud dk;kzy;ks dh Nekgh LuSi vkwfmv djuk çkjehk dj fn;k gs rkfd viuh dk;zç.kkyh es visf{kr lq/kkj ykus ds fy;s muds }kjk fd;s tk jgs mik;ks dk ewy;kdu fd;k tk lds A çcu/ku ys[kkijh{kk,o leh{kk çhkkx ¼,e,vkjMh½ vkmvlksflzx fø;kdykiks dh ys[kk ijh{kk] y l MkVk dk lr;kiu] csd dh LFkkfir uhfr;ks] çfø;kvks dh ys[kkijh{kk] funsz'kks dk vuqikyu] çhkkx Lrjh; dsvkjvkbz dh igpku] chlhlhih dh leh{kk] tksf[ke ekiu ç.kkyh dh leh{kk ¼vkj,eMh&feM dk;kzy;½] vksj vkbzlh,,ih ¼vrjkZ"Vªh; iwth i;kzirrk ewy;kdu izfø;k½ dh leh{kk,o os/khdj.k Hkh djrk gs A o"kz 2012&13 ds nksjku] vuqeksfnr okf"kzd ys[kkijh{kk ;kstuk ds vk/kkj ij çcu/ku ys[kkijh{kk,o leh{kk çhkkx ¼,e,vkjMh½us 65 emy dk;kzy;ks ] 10 QhYM egkçc/kd dk;kzy;ks ] 6 vkpfyd ys[kkijh{kk dk;kzy;ks] 3 çf'k{k.k LFkkiukvks] 4 {ks=h; xzkeh.k csdks] rfkk 3?kjsyw vuq"kfx;ks dh çc/ku ys[kk ijh{kk ds lkfk&lkfk Åij fn;s x;s dk;ksz dh lwph ds vuqlkj ys[kk ijh{kk dh A ³- vuqikyu dk;z csd us egkçc/kd ds jsd dk,d eq[; vuqikyu vf/kdkjh fu;qä fd;k gsa csd dh vuqikyu uhfr ds vuqlj.k es ] çhkkxh; vuqikyu vf/kdkfj;ks ] emy vuqikyu vf/kdkfj;ks ] 'kk[kk vuqikyu vf/kdkfj;ks dks ç/kku dk;kzy; ds lhkh çhkkxks] emy dk;kzy;ks] 'kk[kkvks,o vu; dk;kzy;ks es inukfer fd;k x;k gsablds vykok] vuqikyu dk;ksz dk lhkh ç/kku dk;kzy; ds fy, p;u fd;k x;k gs vksj fjiksfvzx esdsfute dks fofu;ked ds fn'kkfunsz'kks ds vuqlkj vuqikyu ds fy, fofhkuu Lrjks ij Hkh LFkkfir fd;k x;k gsa csd ds fofhkuu mriknks ds lc/k es vuqikyu leh{kk fu;fer vk/kkj ij dh tk jgh gsa p- lrdzrk lrdzrk ç'kklu çc/ku dk;z dk,d vfhkuu vx gsa lrdzrk dk;ks dks n.mkred lrdzrk ls lfø;,o lghkkxh lrdzrk es ifjofrzr djus ij è;ku dsfuær fd;k x;k gs A lrdzrk çhkkx us o"kz 2012&13 ds nksjku fueufyf[kr igy o xfrfof/k;ks dks vkjhk fd;k gsa lrdzrk ekeyks es fu.kz; djus es foyc es deh djrs gq, vksj ç.kkyh es ikjnf'kzrk es lq/kkj djrs gq,] fohkkx us lrdzrk fu;=.k es vfhkuo lrdzrk dks vkjhk fd;k gsa blds dkj.k rfkk vuq'kklfud çkf/kdkfj;ks ds lkfk çhkkoh Q yksvi ls,d o"kz ls vf/kd vof/k ds cm+h l[;k es ekeys dh flfkfr ds vuqlkj?kvdj 4 jg x, tcfd dks budh l[;k 97 FkhA o"kz 2012&13 ds nksjku] lrdzrk çhkkx ds vf/kdkfj;ks,o vpy ys[kk ijh{kk dk;kzy;ks es rsukr lrdzrk vf/kdkfj;ks us 1083 'kk[kkvks dk nksjk fd;k rfkk mik;ks ds egro dks O;k[;kf;r fd;k gsa eq[; lrdzrk vf/kdkjh us o"kz ds nksjku 30 emyks dk nksjk Hkh fd;k vksj emyks es lsfeukjks dks vk;ksftr fd;ka,d lsfeukj vuu; :i ls t;iqj es vxz.kh ftyk izc/kdks rfkk d`f"k hlf yerly snp udit of selected circles/ other dministrtive offices with potentilly high-risk perception to proctively ssess steps tken by them for bringing in desired improvement in their functioning. MARD lso conducts udit of ctivities of outsourcing, verifiction of loss dt, review of the bnk's estblished policies, procedures, complince of RMC/ ORMC directives, identifiction of division level KRIs, review of BCCP, review of risk mesurement system (RMD - Mid Office) nd Review & Vlidtion of ICAAP (Interntionl Cpitl Adequcy Assessment Process). During the yer , bsed on pproved Annul Audit Pln, MARD conducted mngement udit of 65 Circle Offices, 10 Field Generl Mnger's Offices, 6 Zonl Audit Offices, 3 Trining Estblishments, 4 Regionl Rurl Bnks nd 3 Domestic Subsidiries besides udit of other ctivities listed bove. e. Complince Function Bnk hs ppointed Chief Complince Officer in the rnk of Generl Mnger. In pursunce to the Complince Policy of the Bnk, Divisionl Complince Officers, Circle Complince Officers, Brnch Complince officers hve been designted in ll Divisions of HO, Circle offices, brnches nd other offices. Further, complince functions hve been identified for ll Hed Office Divisions/Circles/Brnches nd reporting mechnism hs lso been estblished t vrious levels for complince in ccordnce with the guidelines of regultor. Complince testing/mpping review on vrious products of the Bnk is being crried out on regulr bsis. f. Vigilnce Vigilnce Administrtion is n integrl prt of mngement function. On shifting of focus of vigilnce from punitive vigilnce to proctive nd prticiptive vigilnce, Vigilnce Deprtment under took the following inititives nd ctivities during the yer To curtil the dely in deciding vigilnce cses nd improve trnsprency in the system, the Deptt. hs introduced Green Vigilnce in the Vigilnce Administrtion. Due to this nd lso effective follow up with the Disciplinry Authorities, number of cses more thn one yer old hs been brought down to 4 s on s ginst 97 s on During the yer , the officils from Vigilnce Deptt. nd Vigilnce Officers posted t ZAOs visited 1083 brnches & explined the importnce of preventive/ proctive mesures. Chief Vigilnce Officer lso visited 30 Circles during this yer nd Preventive/Proctive Seminrs were orgnized in the Circle Offices. A Seminr ws orgnized 57

60 vf/kdkfj;ks ds fy, vk;ksftr dh xbz ftls eq[; lrdzrk vf/kdkjh us lghkkfx;ks dks lcksf/kr fd;ka lrdzrk tkx:drk lirkg fnukd ls rd euk;k x;ka o"kz dk ewy fo"k; lkoztfud [kjhn ç.kkyh es ikjnf'kzrk j[kk x;ka fuokjd mik; ds :i es ] lrdzrk fu;e iqflrdk dks 11 o"kks Z ds ckn v ru dj fnukd dks fjyht fd;k x;ka blds vykok vuq'kklfud çkf/kdkfj;ks ds fy, 4 dsuæks vfkkzr~ fnyyh] dksydkrk] eqcbz] pm+hx<+ es lrdzrk fohkkx }kjk lsfeukj vk;ksftr fd, x,a ns'k Hkj es rsukr lhkh vuq'kklfud çkf/kdkfj;ks] {ks=h; xzkeh.k csdks ds vf/kdkfj;ks] vpy ys[kk ijh{kk dk;kzy; ds mi egkçc/kdks us lsfeukj es Hkkx fy;ka eqä l=ks dh O;oLFkk dh xbz Fkh rfkk eq[; lrdzrk vk;ksx] Hkkjrh; fjtoz csd] dsuæh; vuos"k.k C;wjks ds vf/kdkfj;ks dks vkef=r fd;k x;k vksj lghkkfx;ks ls fopkj&foe'kz fd;k x;ka fnukd dks eq[; lrdzrk vf/kdkjh us dsuæh; vuos"k.k C;wjks }kjk tkp fd, x, csd /kks[kk/km+h ls lcf/kr fo"k;ks ij ekeyk v/;;uks lfgr dsuæh; vuos"k.k C;wjks vdkneh] xkft;kckn es výhdu ns'kks ls vk, iqfyl vf/kdkfj;ks dks lcksf/kr fd;ka o"kz ds nksjku mugksus /kks[kk/km+h dks de djus ds mís'; ls fofhkuu ystks] {ks= ds csdks rfkk vu; LVsdgksYMjks dks Hkh lcksf/kr fd;ka?kksj ij n`f"v cuk, j[kus ds mís'; ls] fuokjd mik; ds :i es fohkkx ifji= tkjh djrk jgk gs rkfd bl çdkj dh?kvukvks dh iqujko`fùk ls cpk tk ldsa 18- lwpuk dk vf/kdkj vf/kfu;e csd }kjk lwpuk dk vf/kdkj vf/kfu;e dk;kzfuor fd;k x;k gs A lwpuk dk vf/kdkj vf/kfu;e ls lecfu/kr visf{kr lwpuk csd dh osclkbv ¼ ij miyc/k gsa ls rd csd dks 7824 vkosnu çkir gq, ftues ls 6106 vkosndks dks lwpuk miyc/k djokbz xbz A dksbz Hkh vkosnu vuqi;qä ugh ik;k x;k vksj 1865 vkosnuks dks vf/kfu;e ds çko/kkuks ds vrxzr NwV çkir Fkh A 19- jkthkk"kk uhfr dk dk;kzuo;u csd jkthkk"kk ds dk;kzuo;u ds {ks= es lnso vxz.kh jgk gs A csd us Hkkjr ljdkj] x`g e=ky;] jkthkk"kk fohkkx }kjk foùkh; o"kz 2012&13 ds fy, fu/kkzfjr lelr isjkehvjks ij vf/kdk'k y{;ks dks çkir dj fy;k gs A csd us lhch,l f}hkk"khdj.k dk dke iwjk dj fy;k gs A gekjs lhkh f}hkkf"kd lhch,l de;wvj fgunh bvjqsl ds vrxzr gs A bl f}hkk"kh ç.kkyh dks viukus ls jkthkk"kk ds fø;kuok;u es vr;kf/kd o`f) gqbz gs A blds vfrfjä lhkh Lrjks ij fgunhs es i=kpkj ds fy, csd ;wfudksm QkV dk ç;ksx dj jgk gs A o"kz ds nksjku gekjs csd dks fgunh ds ç;ksx es mrd`"v dk;z fu"iknu ds fy, vusd iqjldkj çnku fd, x, ftles bfnjk xk/kh jkthkk"kk 'khym] Hkkjr ljdkj dk,d lokszpp iqjldkj] Hkkjrh; fjtoz csd jkthkk"kk 'khym rfkk x`g e=ky; ds vu; {ks=h; Lrj ds vfr&egroiw.kz iqjldkj exclusively for LDMs nd Agriculturl Officers t Jipur nd the CVO ddressed the prticipnts. Vigilnce Awreness Week ws observed from to The theme of the yer ws trnsprency in Public Procurement System. As preventive mesure/prticiptive mesure, Vigilnce Mnul ws updted fter 11 yers nd relesed on Further seminr of Disciplinry Authorities ws orgnized by Vigilnce Deprtment t four Centres viz. Delhi, Kolkt, Mumbi nd Chndigrh. All Disciplinry Authorities posted cross the country, officils from RRBs, DGMs of Zonl Audit Offices ttended the seminrs. Open House Session ws rrnged nd the officils from CVC, RBI, CBI were lso clled nd intercted with prticipnts. On , Chief Vigilnce Officer ddressed the Police Officers from Africn Countries t CBI Acdemy, Ghzibd, on the topic of bnk frud cses investigted by CBI long with cse studies. During the yer, he lso ddressed vrious schools/colleges, public/pvt. sector Bnks nd other stkeholders with view to reduce fruds. As preventive mesure the deptt. is issuing the circulrs to the field whenever gross negligence/fruds re observed to void recurrence of such events. 18. Right To Informtion Act The Right to Informtion Act hs been implemented by the Bnk. The relevnt informtion s per Right to Informtion Act hs been posted on the Bnk's website ( During the period to , the Bnk received 7824 pplictions, of which 6106 pplicnts were provided informtion. While none of the pplictions were found to be ineligible, 1865 pplictions were found exempted under the provisions of the Act. 19. Implementtion of Officil Lnguge Policy Bnk hs lwys been leding in the re of implementtion of Officil Lnguge. Bnk hs chieved lmost ll the trgets in ll prmeters fixed by the Govt. of Indi, Ministry of Home Affirs, Deptt. of Officil Lnguge for the finncil yer Bnk hs completed the work of CBS bilingulistion. All our bilingul CBS computers re under Hindi interfce. By dopting this bilingul system, implementtion of Rjbhsh hs incresed lot. Besides, Bnk is using Unicode fonts for Hindi correspondence t ll levels. During the yer, our Bnk hs been wrded severl prizes for its excellent performnce in the use of Hindi which includes some very significnt prizes nmely Indir Gndhi Rjbhsh Shield, top prize of Govt. of Indi, RBI Rjbhsh Shield nd other 58

61 'kkfey gs A Hkkjrh; fjtoz csd us vrjcsd f}hkk"kh x`g if=dk çfr;ksfxrk es gekjs csd dh x`g if=dk ^ih,uch LVkjQ tuzy* dks çfke iqjldkj çnku fd;k gs A blds vfrfjä ns'k ds fofhkuu Hkkxks es flfkr uxj jkthkk"kk dk;kzuo;u lfefr;ks rfkk vu; xsj ljdkjh lxbuks }kjk Hkh gekjs csd dk;kzy;ks dks iqjld`r fd;k x;k gs A gekjk csd Hkkjr ljdkj }kjk xfbr uxj jkthkk"kk dk;kzuo;u lfefr;ks dk fnyyh] Hkjriqj] dkuiqj] pmhx<+] /kez'kkyk] Jhxxkuxj] cqyn'kgj] nsgjknwu] xksj[kiqj] dq:{ks= rfkk eqttqjuxj es lqyrkiwozd lpkyu dj jgk gs A jkthkk"kk ij llnh; lfefr dh rhljh mi lfefr us 01 twu 2012 dks gekjs 'kk[kk dk;kzy;] cjdksv rfkk 28 twu] 2012 dks emy dk;kzy;] gfj}kj dk nksjk fd;k A lfefr us cs d }kjk fgnh ds çxkeh ç;ksx ds lcèk es fd, tk jgs ç;klks ij u dsoy lrks"k gh O;Dr fd;k cfyd ç'klk Hkh dh A csd }kjk çfro"kz flrecj es ^fgnh ekg^ euk;k tkrk gs A fofhkuu çfr;ksfxrk, vk;ksftr dh tkrh gs ftues LVkQ lnl; mrlkgiwozd Hkkx ysrs gs A fotsrkvks dks jkthkk"kk lekjksg es iqjldkj çnku fd, tkrs gsa csd dh blds ç/kku dk;kzy; ds çhkkxks] emy dk;kzy;ks] çf'k{k.k dsuæks] v pfyd ys[kk ijh{kk dk;kzy;ks] ys[ku lkexzh dsuæks ds fy, viuh ykyk yktir jk; jkthkk"kk 'khym ;kstuk gs A çfro"kz bu dk;kzy;ks dks jkthkk"kk dk;kzuo;u es mrd`"v fu"iknu ds fy, iqjldkj çnku fd, tkrs gs A bl o"kz Hkh csd us fgnh ekg euk;k rfkk vu; vk;ksftr dh rfkk iqjldkj çnku fd, x, A LVkQ&lnL;ks dks fgnh es csfdx rfkk xsj&csfdx fo"k;ks ij iqlrds fy[kus ds fy, eksfyd iqlrd ys[ku ;kstuk ds v/khu udn çksrlkgu jkf'k çnku dh xbz A csd es dk;zjr rfkk lsokfuo`ùk lhkh LVkQ lnl; bl ;kstuk es Hkkx ys ldrs gs A 20- ih,uch dh vuq"kxh difu; vksj {ks=h; xzkeh.k csd % d- ih,uch gkåflx Qkbusl fyfevsm ¼ih,uch,p,Q,y½ ;g diuh fctusl izkslsl jh&bthfu;fjx çkstsdv es fø;kuo;u dh çfø;k es gs tksfd foùkh; o"kz 2011 ls 'kq# gqbz gs A bl dkjksckj #ikrj.k çkstsdv dks bl rjg fmtkbu fd;k x;k gs fd vkus okys o"kksz es ;g diuh,d lqn`<+ lxbu cus A bl o"kz ds nksjku bl diuh us 'kk[kkvks es u;k buýklvªdplj,o Hkfo"; dh fujrj dkjksckj o`f) ds fy, gc dks rs;kj fd;k gsa bl chihvkj vh;kl dk 'ks"k Hkkx tksfd fo'ks"k :i ls lwpuk çks ksfxdh buýkjlvªdpj rfkk lesfdr bvjçkbt fllve lky;w'ku ds fy, gs] foùkh; o"kz 2014 es iwjk gks tk,xka foùkh; o"kz 2013 ds nksjku diuh us ` 3682 djksm+ ¼xr o"kz ` 1516 djksm+½ ds u, _.k Lohd`r fd, x,] ftlls u;s dkjksckj es 143% dh o`f) ntz gqbz gs A 31 ekpz] 2013 dks dqy cdk;k _.k ` 6620 djksm+ ¼fiNys o"kz ` 3969 djksm+½ Fks tks finys o"kz dh rqyuk es 67% vf/kd gs A foùkhs; o"kz 2013 ds nksjku Lohd`r fjvsy _.k dk vkslr fvdv vkdkj :- 42 yk[k FkkA bl o"kz ds nksjku Regionl level prizes of Ministry of Home Affirs. RBI wrded the first prize to our Bnk's House Mgzine "PNB Stff Journl" in the inter-bnk bilingul house mgzine competition. In ddition, Town Officil Lnguge Implementtion Committees situted in different loctions of the country nd other Non-Govt. Orgniztions hve lso wrded our Bnk offices. Bnk is successfully convening the Town Officil Lnguge Implementtion Committees constituted by Govt. of Indi in Delhi, Bhrtpur, Knpur, Chndigrh, Dhrmshl, Srigngngr, Bulndshhr, Dehrdun, Gorkhpur, Kurukshetr nd Muzffrngr. The third sub-committee of Committee of Prliment on Officil Lnguge visited Bnk's Brnch Office, Brkot on 1st June, 2012 nd Circle Office Hridwr on 28th June, The Committee not only expressed stisfction but lso pprecited the efforts mde by the Bnk for progressive use of Hindi. The Bnk celebrtes 'Hindi Mh' in the month of September every yer. Vrious competitions re orgnized in which stff members prticipte enthusisticlly. The winners were given prizes in the Rjbhsh Function. Bnk hs its own Ll Ljpt Ri Rjbhsh Shield Yojn for its Hed Office Divisions, Circle Offices, Trining Centres, Zonl Audit Offices, Sttionery Centre, etc. Every yer, these offices re wrded prizes for doing excellent work in the re of Rjbhsh implementtion. This yer too, Bnk orgnised Hindi Mh nd other progrmmes/competitions nd wrds nd prizes were given. Under Moulik Pustk Lekhn Yojn, csh incentives were wrded to stff members for writing originl books in Hindi on bnking nd non-bnking subjects. All those stff members, who re working in Bnk or hve retired from Bnk service, cn prticipte under this scheme. 20. PNB's Subsidiries nd Regionl Rurl Bnks. PNB Housing Finnce Limited (PNBHFL) The Compny is in the process of implementing business process reengineering project (BPR), which strted in FY'11. The business trnsformtion project is designed to mke the Compny robust orgniztion in the coming yers. During the yer, the compny hs creted new infrstructure t brnches nd Hubs for sustining future business growth. The remining portion of the BPR exercise, specificlly the implementtion of IT infrstructure nd semless enterprise system solution, will be completed in FY'14. During FY' 13, the Compny mde fresh disbursements of ` 3682 crore (Previous Yer ` 1516 crore), registering growth of 143% in new business. Totl lons outstnding s on 31st Mrch 2013 were ` 6620 crore (Previous yer ` 3969 crore), growth of 67% over previous yer. The verge ticket size for retil lons snctioned during FY'13 ws ` 42 lc. During 59

62 [k- tekjkf'k;k c<+dj ` 1050 djksm+ ¼fiNys o"kz ` 363 djksm+½ gks xbz ftles finys o"kz dh rqyuk es 190% dh o`f) gqbza diuh us pwdks,o,uih, dks de djus ij fo'ks"k cy fn;k gs A liw.kz pwd bl iksvzqksfy;ks ds 2-5% ¼5%½ds uhps Fkh vksj ldy,uih, 0-57% ij cuk jgk ¼fiNys o"kz 0-93%½ vksj 'kq),uih, 'kq) _.k cdk;k ds 0-67% ls?kvdj 0-35% gks x;k A diuh us foùkh; o"kz 2012&13 ds nksjku dqy ` djksm+ ¼` 462 djksm+½ dh vk; vftzr dh] ftles finys o"kz dh rqyuk es 43% dh o`f) gqbz A C;kt O;; ` 462 djksm+ ¼` 314 djksm+½ Fkk vksj vu; ifjpkyu O;; ` 64 djksm+ ¼` 41 djksm+½ Fks A diuh us dj iwoz ` 126 djksm+ ¼` 102 djksm+½ dk ykhk vftzr fd;k vksj dj pqdkus ds ckn ` djksm+ ¼` djksm+½ dk ykhk vftzr djrs gq, finys o"kz dh rqyuk es 22% dh o`f) nj ntz djk;h A 'kq) C;kt ekftzu 3-44% Fkk A 31 ekpz 2013 dks diuh dh 'kq) lifùk ` 608 djksm+ ¼` 392 djksm+½ Fkh vksj iwth i;kzirrk vkslr vuqikr 14-40% Fkk A diuh ds 'ks;j dh cqd osy;ẁ ` 122 Fkh vksj çfr 'ks;j vk; vtzu ¼bZih,l½ ` Fkk A ih,uch fxyv~l fyfevsm o"kz 2012&13 'kkfroknh C;kt njks ds okrkoj.k] [kjkc vkffkzd fodkl] ljdkj dh jktdks"kh; flfkfr es lq/kkj rfkk eqæklqhfr ds de gksrs ncko dh fo'ks"krkvks ls Hkjk jgk Fkk A vçsy] 2012 dh uhfr ds çkjhk es njs?kvkus ¼jSiks njks es 50 chih,l dvksrh½ ds i'pkr~ Hkkjrh; fjtoz csd us tuojh] 2013 dh uhfr rd ;FkkfLFkfr cukbz j[kh] D;ksfd dherks dk nokc mpp cuk jgka rfkkfi] fnlecj] 2012 ds ckn eqæklqhfr es ns[kh xbz deh rfkk fodkl es rhoz enh ds ifjos'k ds dkj.k Hkkjrh; fjt+oz csd }kjk tuojh] 2013 vksj ekpz 2013 dh eksfæd uhfr leh{kk ds nksjku çr;sd ckj fjiks njks es 25 chih,l dh dvksrh dh xbz A ljdkjh çfrhkwfr;ks dh [kqys cktkj es vks,evks ckbzcsd uhykeh ls yxhkx : yk[k djksm+ çkir gq, ftlds QyLo:i pyfuf/k dh deh dks nwj djus es lqfo/kk gqbz A o"kz ds nksjku 5-3% jktdks"kh;?kkvk de djus ds y{; dks iwjk djus ds fy, [kpksz es dvksrh ds ifj.kkelo:i ljdkj dh foùkh; flfkfr O;ofLFkr jgh A o"kz dh lekfir ij 10 o"khz; izkfir 7-95% Fkh tcfd iwozorhz foùkh; o"kz dh lekfir ij ;g 8-57% Fkh A mi;q Zä cktkj rfkk o`gr~ vkffkzd i`"bhkwfe es ih,uch fxyv~l fyfevsm us eq[; vksj xks.k cktkj es çkbejh Mhyj ds :i es vius nkf;roks dks iwjk fd;k A deiuh dk ykhk foùk o"kz 2011&12 ds : djksm+ ls c<+dj foùk o"kz 2012&13 es : djksm+ gks x;k A fu"iknu es eq[; :i ls VªsfMx vk; es rhoz o`f) ds dkj.k lq/kkj gqvka n{k VªsfMx rduhd rfkk cktkj dh flfkfr;ks dk dq'kyrkiwozd mi;ksx ds foosdiw.kz fej.k ls deiuh dks xr o"kz dh : djksm+ dh gkfu dh rqyuk es foùk o"kz 2012&13 es : djksm+ dh VªsfMx vk; gqbza diuh dk dqy VuZvksoj #- 1]98]139 djksm+ jgk A the yer, deposits incresed to ` 1050 crore (Previous ` 363 crore), growth of 190% over previous yer. The Compny lid specil emphsis on reducing delinquencies nd NPAs. The overll delinquencies were down t 2.5% (5%) of the portfolio nd gross NPAs were contined t 0.57% (0.93% lst yer) nd net NPAs were reduced from 0.67% to 0.35% of the net lons outstnding. During FY , the Compny erned totl income of ` 661 crore (` 462 crore), growth of 43% over previous yer. Interest expenditure ws ` 462 crore (` 314 crore) nd other Operting expenditure ws ` 64 crore (` 41 crore). The Compny erned Profit before tx of ` 126 crore (` 102 crore) nd Profit fter Tx of ` crore (` crore) registering growth of 22% over previous yer. The Net Interest Mrgin ws 3.44%. The networth of the Compny s on 31st Mrch'13 ws ` 608 crore (` 392 crore) nd the CRAR ws 14.40%. Book Vlue of Compny's shre ws ` 122 nd the EPS ws ` 22.30/-. b. PNB Gilts Limited The yer ws chrcterized by dovish interest rte environment, deteriorting economic growth, improved fiscl helth of the government nd slowing of infltionry pressures. After front loding the rte cut in April'12 policy (repo rte cut of 50 bps), RBI mintined sttus quo until the Jnury'13 policy s price pressures remined high. However, tking comfort from mrked decelertion in infltion from December'12 onwrds nd in milieu of shrp slowdown in growth, RBI reduced the repo rte twice by 25 bps ech in Jn'13 & Mr'13 policy review. Huge supply of Government securities ws complemented with OMO buybck uctions of bout ` 1.50 lkh crore nd CRR cut, which served the purpose of esing out the tightness in liquidity. Government finnces remined well in order during the yer s expenditures were curtiled to meet the fiscl deficit trget of 5.3% for the yer. The 10-yr yield closed the yer t 7.95% s ginst previous fiscl's closing of 8.57%. Aginst the bove mcro economic bckdrop, PNB Gilts Ltd fulfilled ll its obligtions s Primry deler in both primry nd secondry mrkets. Compny's profit surged to ` crore in FY'13 vis-à-vis ` crore posted in FY'12. The improvement in performnce ws minly on ccount of shrp increse in trding income. Due to judicious mix of nimble trding technique nd stute prognosis of mrket conditions, Compny posted trding income of ` crore during FY s ginst ` crore loss in the previous finncil yer. The totl out right turnover mounted to ` 1,98,139 crore. 60

63 x- itkc us'kuy csd bvjus'kuy fyfevsm ¼ihuchvkbZ,y½ o"kz 2012&13 ds nksjku ih,uchvkbz,y dk dqy dkjksckj $ fefy;u ¼31 ekpz] 2012 dh flfkfr ds vuqlkj½ ls c<+dj $ fefy;u ¼31 ekpz] 2013 dh flfkfr ds vuqlkj½ gks x;k ftl es 34-14% dh o"kz nj o"kz o`f) ntz dh xbza tekjkf'k;k c<+dj $ fefy;u gks xbz ¼2012% $ fefy;u½] tcfd vfxze c<+dj $ fefy;u gks x, ¼2012% $ fefy;u½ ftles o"kz nj o"kz Øe'k% 39-91% vksj 28-56% dh o`f) ntz dh xbza ifjpkyu dkjh ykhk $15-95 fefy;u ls c<+dj $21-10 fefy;u gks x;k ftles o"kz es 32-34% o`f) ntz dh xbza bfdovh 'ks;j gksymjks dks çnku dh xbz dqy O;kid vk; $8-85 fefy;u Fkh ¼2012% $4-39 fefy;u½ vksj j[kh xbz vksj çfr/kkfjr miktzu bfdovh ds 6-48 % gksusij $7-68 fefy;u gsa v Qj fd, tkus okys csfld csfdx mrikn rfkk lc)rk csfdx csd ds fy, ln`< +foø; dkjh fcunq cus jgsa csd dh Hkkjrh; #i;k ¼vkbZ,uvkj½ çs"k.k ;kstuk LFkkfir gks xbz gs vksj ekuo tkfr tul[;k es blus yksdfç;rk vftzr dj yh gsa leh{kk/khu o"kz ds nksjku] udnh vkbz,l, mrikn ih,uchvkbz,y }kjk fofhkuu ifjofrzr nj udnh vkbz,l, rfkk flfkj nj udnh vkbz,l, lfgr vkjhk fd, x,a ih,uchvkbz,y us,d lefizr bugkml gsyiykbzu lsok dsæ Hkh LFkkfir fd;k gs rkfd blls lc/k csfdx rfkk xzkgd lsok es lq/kkj fd;k tk ldsa ih,uchvkbz,y ds ls vf/kd MsfcM dkmz gksymjks ds ikl ;g fodyi gs fd os ekblvªks yksxks okys fdlh,vh,e ls /ku vkgfjr dj ldrs gsa vius yf{kr xzkgd vk/kkj es j.kuhfrd lekdyu] isr`d çksrlkgu] vkyk flfkfr,o çfrli)kzred ykhk os eq[;?kvd gs ftldk csd ;wds es ykhk mbk jgk gsa csd us tksf[ke çc/ku] ys[kk ijh{kk rfkk vuqikyu es uhfr;ks dks lqifjhkkf"kr,o Li"V fd;k gsa blds ynu es rfkk Hkkjr es csd v fql es viuh lefizr dks"k gsa csd ;wds ds Lofoosdh fofu;ked çkf/kdkj ds lhkh fofu;ked,o iw th i;kzirrk ekxzfunsz'kks dk vuqikyu dj jgk gsa c. Punjb Ntionl Bnk Interntionl Limited (PNBIL) During the yer , totl business of PNBIL incresed from $ million (s on 31st Mrch 2012) to $ million (s on 31st Mrch 2013), registering YoY growth of 34.14%. Deposits incresed to $ million (2012: $ million), while dvnces incresed to $ million (2012: $ million), registering YoY growth of 39.91% nd 28.56% respectively. Operting profit went up from $15.95 million to $ million, registering growth of 32.34% in the yer. Totl comprehensive income ttributble to equity shreholders ws $8.85 million (2012: $4.39 million) nd retined ernings is $7.68 million being 6.48% of equity. Offering bsic bnking products nd reltionship bnking continues to be the strong selling point for the Bnk. The Indin Rupee (INR) Remittnce scheme of the Bnk hs stbilized nd gined populrity mong the ethnic popultion. During the yer under review, Csh ISA product ws lunched by PNBIL with vrints of Vrible Rte Csh ISA nd Fixed Rte Csh ISA. PNBIL lso estblished dedicted in-house Help Line Service Centre with view to improve its reltionship bnking nd customer service. More thn 23,000 debit crd holders of PNBIL hve the option to withdrw money from ny ATM hving Mestro logo. Strtegic integrtion, prentl support, niche positioning nd competitive dvntge in its trgeted customer bse re the key dvntges the Bnk is enjoying in UK. Bnk hs in plce well defined nd clerly lid down policies on Risk Mngement, Audit nd Complince. It hs its own dedicted tresury t London nd bck office in Indi. Bnk is complying with ll regultory nd cpitl dequcy guidelines of Prudentil Regultion Authority of UK.?k- itkc us'kuy csd fuos'k lsok fyfevsm ¼ih,uchvkbZ,l,y½ ih,uchvkbz,l,y flmhds'ku] çk;kstuk ewy;kdu] foùkh; iqulzjpuk] çfrhkwfr VªLVh lsok,,o,l,ebz] e/;e,o cm+ s fuxfer xzkgdks dks ijke'kz tslh cgqr lkjh foùkh; lsok, çnku dj jgk gsa diuh dk fnyyh es ç/kku dk;kzy; gs vksj eqcbz es bl dh,d 'kk[kk gsa bldh vius çfrfuf/kd dk;kzy;ks ds ek/;e ls psuubz] vgenkckn vksj gsnjkckn es Hkh miflfkfr gsa ekstwnk cktkj ifjn`'; dks /;ku es j[krs gq,] diuh ekstwnk flfkfr es fuxfer _.k iqulzjpuk rfkk çfrhkwfr VªLVh dk;ksz ij viuk /;ku dsfær dj jgh gsa diuh us foùkh; o"kz 2013 es djksm +#i;s ls vf/kd dh Qhl vk/kkfjr vk; vftzr dh gsa osf'od enh rfkk dqn fofu;ked eqíks us foxr es diuh ds dqn 'kh"kz dkjksckj dks çfrdwy :i ls d. Punjb Ntionl Bnk Investment Services Limited (PNBISL) PNBISL is presently offering bsket of finncil services such s Debt/Lon Syndiction, Project Apprisl, Finncil Restructuring, Security Trustee services nd Advisory to SME, Medium nd Lrge Corporte customer. The compny is hving its hed office t Delhi nd brnch t Mumbi. It lso hs its presence in Chenni, Ahmedbd nd Hyderbd through its representtive offices. In view of the current mrket scenrio, the compny is currently focusing on Corporte Debt Restructuring nd Security Trustee ssignments. The Compny hs erned fee-bsed income of more thn ` crore in the yer FY'13. Globl slowdown nd some 61

64 çhkkfor fd;k gsa diuh flmhds'ku es o`f)] çk;kstuk ewy;kdu] iwth cktkj rfkk ijke'kz dk;z dkjksckj es o`f) ls viuh n`f"v {ks=,o miflfkfr es c<+ksùkjh djus dk bjknk j[krh gsa M- {ks=h; xzkeh.k csd csd }kjk çk;ksftr {ks=h; xzkeh.k csd 5 jkt;ks ;Fkk fcgkj] gfj;k.kk] fgekpy çns'k] itkc rfkk mùkjçns'k ds 69 ftyks es 1509 'kk[kkvks ds usvodz ds ek/;e ls dk;z dj jgs gs A bu {ks=h; xzkeh.k csdks dh pqdrk iw th :i, djksm+ gs A bu {ks=h; xzkeh.k csdks dh iw th es gekjs csd dk v'knku :i, djksm+ gs A gekjs {ks=h; xzkeh.k csdks dh l;qä fuoy leikfùk ekpz] 2013 dks :i, djksm+ gs A o"kz ds nksjku lelr {ks=h; xzkeh.k csdks dk dqy dkjksckj :i, djksm+ ls c<+dj :i, djksm+ gks x;k tks :i, 4129 djksm+ ¼17-23%½ dh o`f) n'kkzrk gsa dks dqy tekjkf'k rfkk dqy vfxze Øe'k : :i, djksm+ ¼o"kZ nj o"kz 17-91%½ rfkk :i, 9958 djksm+ ¼o"kZ nj o"kz 16-01%½ jgsa dks {ks=h; xzkeh.k csdks dk 'kq) ykhk :-197 djksm+ ¼o"kZ&nj&o"kZ 33-23%½ jgka bl vof/k ds nksjku {ks=h; xzkeh.k csdks dk dqy,uih, : djksm+ ls c<+dj : djksm+ gks x;k A o"kz ds nksjku {ks=h; xzkeh.k csdks }kjk 102 ubz 'kk[kk, [kksyh xbz] ftlls 'kk[kkvks dk dqy usvodz 1509 dk gks x;k gs tks lhkh lhch,l ij gsa csd }kjk çk;ksftr {ks=h; xzkeh.k csd vius {ks= ds vkffkzd fodkl ds fy, lfø; Hkwfedk fuhkk jgs gs A dksj csfdx lky;w~'ku ¼lhch,l½ ds fø;kuo;u ds QyLod:i xzkeh.k {ks= ds xzkgd Hkh uohure çks ksfxd ds ykhk çkir dj jgs gs A {ks=h; xzkeh.k csdks [kkrs [kksy jgs gs A lhkh {ks=h; xzkeh.k csdks es,ubz,qvh lqfo/kk Hkh çnku dh tk jgh gs A,Vh,e dkmz dh lqfo/kk lhkh {ks=h; xzkeh.k csdks ds xzkgdks dks 'kh?kz gh pj.kc) :i ls miyc/k djkbz tk,xha çr;{k ykhk vrj.k ¼MhchVh½ ;kstuk ¼43 ftyks es ls½ gfj;k.kk xzkeh.k csd }kjk jksgrd ftys es rfkk itkc xzkeh.k csd }kjk diwjfkyk ftys es dks ;kstuk dk lqyrkiwozd 'kqhkkjhk fd;k x;k A çr;{k ykhk vrj.k ;kstuk ds nwljs pj.k es ;kstuk dk folrkj vu; 78 ftyks es fd;k tk jgk gs A foùk e=ky;] foùkh; lsok, fohkkx] Hkkjr ljdkj us ykhkkffkz;ks ds csd [kkrs [kksyus ds fy, bu {ks=ks ds fuokfl;ks dks doj djus dh le;&lhek rd fu/kkzfjr dh gs A çr;{k ykhk vrj.k ;kstuk ds v/khu nwljs pj.k es gekjs {ks=h; xzkeh.k csdks ds ikl 8 ftys gs A regultory issues hve dversely ffected some business verticls of the compny in pst. The Compny intends to increse further its visibility nd presence by growth in Debt/ Lon Syndiction, Project Apprisl, Cpitl Mrket nd Advisory Assignment Business. e. Regionl Rurl Bnks RRBs, t present operting in five Sttes, nmely, Bihr, Hryn, Himchl Prdesh, Punjb nd Uttr Prdesh covering 69 districts with network of 1509 brnches, re sponsored by the bnk. The ggregte pid-up cpitl of these Regionl Rurl Bnks is ` crore. Bnk's contribution towrds cpitl of these RRBs is ` crore. The combined networth of RRBs s on Mrch 2013 is ` crore. During the yer the ggregte business of ll RRBs incresed from ` 23,962 crore to ` 28,091 crore showing growth of ` 4129 crore (17.23%). The ggregte deposits nd ggregte dvnces s on stood t ` 18,133 crore (YoY %) nd ` 9958 crore (YoY %). The ggregte Net profit of the RRBs s on stood t ` 197 crore (YoY 33.23%). The gross NPA of the RRBs incresed from ` crore to ` crore during the period. During the yer, 102 new brnches were opened by RRBs, tking the totl network of brnches to 1509 with ll being on CBS. The RRBs sponsored by Bnk re ctively prticipting in economic development of the res of their presence. With the implementtion of Core Bnking Solution (CBS), rurl customers re lso getting benefit of ltest technology. RRBs re lso opening NRE/NRO ccounts. The fcility of NEFT is lso being provided in ll the RRBs. The fcility of ATM crds will shortly be vilble to customers of ll RRBs in phsed mnner. Direct Benefit Trnsfer (DBT) Scheme in phse I, (out of 43 districts), ws lunched successfully in Rohtk district by Hryn Grmin Bnk nd in Kpurthl district by Punjb Grmin Bnk on In Phse II, the DBT Scheme is being extended to dditionl 78 districts. The Ministry of Finnce, DFS, Government of Indi hve dvised timelines for covering the households by for opening of bnk /cs of the beneficiries. RRBs hve 8 districts in phse - II under Direct Benefit Trnsfer (DBT) Scheme. 62

65 {ks=h; xzkeh.k csdks dk dk;zfu"iknu ¼ys[kkijhf{kr½ ¼jkf'k ` djksm+ es½ Øe l0 xzkeh.k csdks dk dk;zfu"iknu ekpz 12 ekpz 13,lvksvkbZ y{; ¼ys[kkijhf{kr½ ekpz *13 1 dqy tekjkf'k; dqy vfxze jkf'k; dqy 'kq) ykhk lhch,l ds vrxzr 'kk[kk, 100% 100% 100% 5 çfr dezpkjh ykhk ¼:i;s yk[k½ ?kkVs ij py jgh 'kk[kkvks dh l[;k ¼12 ekg iqjkuh ;k mlls vf/kd½ csd dks çkir vokmz,o iqjldkj % o"kz ds nksjku csd dks mlds dk;zfu"iknu vksj igyks ds fy, vusd iqjldkj çkir gq, ftues ls dqn uhps fn, tk jgs gs % funs'kdks dh llfkk }kjk xksymu ihd d dkjksckj mrd`"vrk iqjldkj 2013 A lkekftd rfkk fuxfer lq'kklu vokmz fo'o lh,l vkj fnol rfkk cksecs LVkWd,Dllpst }kjk lokszùke fuxfer lkekftd mùkjnkf;ro iqjldkkj A fctusl oymz ihmcy;w lh }kjk lozjs"b lkekftd mùkjnk;h csd A lh,uchlhvhoh 18 }kjk ^*lozjs"b lkoztfud {ks= ds csd** lozjs"b csd,o foùkh; llfkku iqjldkj A,f'k;k isflfqd,pvkj,e dkxzsl }kjk csd dks vkxszukbts'ku fon buksosfvo,pvkj çsfdvlst iqjldkj A Hkkjrh; csd l?k }kjk lozjs"b v u ykbzu csd ¼çFke juj vi½a Hkkjrh; csd l?k }kjk cslv ;wt v Q fctusl bvsfytsl ¼fotsrk½ A Hkkjrh; csd l?k }kjk ^cslv fjld esustesv,.m lsd;wfjvh bfuf'k,fvo ¼fotsrk½ A Hkkjrh; csd l?k }kjk lozjs"b foùkh; lekos'ku igy ¼f}rh; mi fotsrk½ lms LVS.MMZ }kjk d`f"k _.k ¼o`gn~½ ds vrxzr cslv csdlz iqjldkj A Mu,.M czsmlvªhv i yfjl Qkbusfl;y VSDuksy th csfdx vokmz ~l 2012 }kjk çkfkfedrk {ks= vfxzeks gsrq lozjs"b lkoztfud {ks= csd iqjldkj A lh,evks,f'k;k }kjk csfdx] foùkh; llfkkuks rfkk chek ds vrxzr czkfmx rfkk ekdszfvx ds fy, rhljk & lh,evks,f'k;k,fdlysl iqjldkj A rhljk,f'k;k dk cslv beiyk;j czk.m vokzm~l 2012 & çf'k{k.k es mrd`"vrk ds fy, beiyk;j czkbzv vokzm~l,.m oymz,pvkjmh dkxzsl }kjk A Performnce of RRBs (Audited) (Amt. in ` crore) S. Performnce of RRBs Mr'12 Mr'13 SOI Gol No. (Audited) Mr'13 1 Aggregte deposits Aggregte Advnces Aggregte net profit Brnches under CBS 100% 100% 100% 5 Profit Per Employee (` lkh) No. of Loss Mking Brnches (being 12 month old or more) Awrds nd Accoldes conferred upon PNB During the yer, in recognition of its performnce nd inititives, PNB received vrious wrds, some of which re: Golden Pecock Business Excellence Awrds 2013 by Institute of Directors. Socil nd Corporte Governnce Awrd - Best Corporte Socil Responsibility Prctices by World CSR Dy nd Bomby Stock Exchnge. Most Socilly Responsive Bnk by Business World-PwC. Best Public Sector Bnk by CNBC TV 18 Best Bnk nd Finncil Institutions Awrds. Orgniztion with Innovtive HR Prctices by Asi Pcific HRM Congress. Best Bnk On-line (First Runners Up) by Indin Bnks' Assocition. Best Use of Business Intelligence (Winner) by Indin Bnks' Assocition. Best Risk Mngement nd Security Inititives (Winner) by Indin Bnks' Assocition. Best Finncil Inclusion Inititives (Second Runners up) by Indin Bnks' Assocition. Best Bnkers' Awrd under Agriculture Credit - Lrge by The Sundy Stndrd. Best Public Sector Bnk under Priority Sector Lending by Dun nd Brdstreet Polris Finncil Technology Bnking Awrds rd CMO Asi Excellence for Brnding nd Mrketing under Bnking, Finncil Institutions nd Insurnce by CMO Asi. 3rd Asi's Best Employer Brnd Awrds 2012-Excellence in Trining by Employer Brnd Awrds nd World HRD Congress. 63

66 21- vkxkeh o"kz foùkh; lekos'ku csd dks,d cgqr cm+k volj çnku djrk gs A ljdkj }kjk çr;{k ykhk vrj.k ç.kkyh ds 'kq: djus ds lkfk] ykhkkffkz;ks ds [kkrs es fuf/k;ks dh vkod] foùkh; lekos'ku ds vfhk;ku dks nh?kzdkfyd cukuk lqfuf'pr djsxh A ;g çhkkoh :i ls csfdx lhekvks dk folrkj djsxh vksj vkffkzd o`f) dks çksrlkfgr djsxh A u, [kkrk/kkjd csd dks u, dkjksckj volj çnku djsxs ftudk ykhk ysus ds fy, csd iwjh rjg rs;kj gs A ;w,l vksj ;wjksi dh foùkhs;,o vkffkzd enh us,f'k;k dks fof'k"vrk çnku dh gs A ;g fodkl ds u, okgd ds :i es mhkj jgk gs vksj çeq[k,f'k;kbz ns'k viuh csgrj fodkl nj,o vkffkzd etcwrh ds lkfk u, cktkjks es folrkj dh {kerk j[krs gs A Hkkjr rfkk blds csdks ds ikl osf'od :i ls fodflr gksus vksj viuh igq p dk folrkj djus dk,d volj gsa vkrfjd :i ls ldy?kjsyw mrikn o`f) nj fueure fcunq ij igq ph çrhr gksrh gs A eqæklqhfr] jktlo?kkvk vksj pkyw [kkrk?kkvk] ftles /kheh o`f) gs] es lq/kkj ds fpà fn[kkbz ns jgs gs A bl çdkj fodkl ds fy, vk/kkj rs;kj djus es l{ke gks jgs gs A ih,uch vius o`gn usvodz,o xzkgd vk/kkj ds lkfk bl ifjorzu dk ykhk mbkus ds fy, etcwr flfkfr es gs A pquksfr;k vkt csfdx vusd u, fmyhojh psuyks dks 'kkfey dj viuh pkj nhokjh dh ljpuk ls ckgj fodflr gks pqdh gs tks ubz çks ksfxdh ds }kjk lhko gqvk gsa bvjusv csfdx,o eksckby csfdx bl {ks= dh igqp dk folrkj dj jgh gs vksj ;g rlohsj dkjksckj e My es,d ewyhkwr ifjorzu dh ekx djrh gsa bu cgqfo/k fmyhojh psuyks dks,d l;qä e My es lesfdr djuk pquksrh gs tks xzkgdks dks egroiw.kz vksj,d lq[kdkjh csfdx vuqhko çnku djsxka csd dk :ikrj.k vfhk;ku bl pquksrh ls fuivus dk funsz'kkred lek/kku gsa vkt xzkgd l'kä vksj vius vf/kdkjks ds ckjs es iwjh rjg ls tkx:d gsa fo'ohkj ds fu;ked csdks }kjk çnku dh tk jgh lsokvks dh xq.koùkk ij /;ku dsfuær dj jgs gsa foùkh; lsok çnkrkvks ls ;g vis{kk dh tkrh gs fd os mriknks dks cukus] ewy; fu/kkzj.k vksj foùkh; çdvu es mpp Lrj dh ikjnf'kzrk fn[kk,a blds lkfk lhkh xzkgdks dks,d fo'oluh; f'kdk;r fuokj.k esdsfute miyc/k djk;k tk, A ih,uch ds ikl bu mpp vis{kkvks ls fuivus ds fy, fllve rfkk vuqhko gs vksj xzkgdks dks viuh lokszùke lsok, çnku djus dh vksj dk;z djuk tkjh j[ksxk A dsuæh; f'kdk;r fuokj.k O;oLFkk dh LFkkiuk rfkk vkrfjd yksdiky fu;qdr djds ih,uch Lo; dks vxzlfø; :i e s LFkkfir dj jgk gsa tksf[ke o fprk, csdks dh vkflr;ks dh xq.koùkk es vr;f/kd fxjkov çdv gks jgh gs] vkt bl {ks= es /;ku nsus dh vko';,drk gs A dkikszjsv _.k iqulzjpuk O;oLFkk ds vrxzr _.kks dh iqulzjpuk] fo'ks"k :i ls cm+s _.kks dh] gekjs }kjk è;ku nsus dk egroiw.kz {ks= jgk gsa itkc us'kuy csd us vkflr 22. The Yer Ahed Finncil Inclusion tody presents the bnk with the next big opportunity. With the Government introducing the system of Direct Benefit Trnsfers, the inflow of funds into the ccounts of the beneficiries will be ssured mking the finncil inclusion drive sustinble. This will effectively expnd the bnking frontier nd will lso give fillip to economic growth. The new ccount holders will offer the bnk new business opportunities which the bnk is well plced to tke dvntge of. The finncil nd economic slowdown in the US nd Europe hs put the spotlight on Asi. It is emerging s the new driver of growth nd the mjor Asin countries, with their better growth rtes nd economic strength, hve the cpcity to expnd into new mrkets. Indi nd its bnks hve n opportunity to expnd globlly nd extend their rech. Domesticlly GDP growth seems to hve bottomed out. Infltion, fiscl deficit nd current ccount deficit, which hve impeded growth, re showing signs of improvement thus creting enbling ground for growth. PNB with its lrge network nd customer bse is well positioned to benefit from the turnround. Chllenges Bnking tody hs grown beyond its brick nd mortr frmework to encompss severl new delivery chnnels, mde possible by new technologies. Internet bnking nd mobile bnking re expnding the rech of the sector nd the new prdigm demnds fundmentl shift in the business model. The chllenge is to integrte these multiple delivery chnnels into cohesive model tht offers customers vlue nd plesnt bnking experience. The bnk's drive to trnsform is indictive of its resolve to meet this chllenge. The customer tody is empowered nd fully wre of his rights. Regultors cross the world re focusing on the qulity of services offered by bnks. The expecttions from finncil service providers is tht they disply high levels of trnsprency in product design, pricing nd finncil disclosures. In ddition credible grievnce redressl mechnism hs to be mde vilble to ll customers. PNB hs the systems nd experience to hndle these heightened expecttions nd will continue to work towrds giving its customers the best. PNB is proctively positioning itself by putting in Centrl Grievnces Redressl Mechnism nd ppointing n Internl Ombudsmn. Risks nd Concerns The sset qulity of bnks hs seen considerble deteriortion, which is one re tht needs to be tken cre of. Restructuring of lons, prticulrly of big ticket lons, under the corporte debt restructuring (CDR) mechnism, hs recently been the criticl re 64

67 xq.koùkk es lq/kkj ykus ds n`f"vdks.k ls bl {ks= dks fujurj frekgh&nj&frekgh vk/kkj ij /;ku nsus ds fy, fpfugr fd;k gs A cs fdx fllve es ÝkM vr;ur fpruh; gs] fo'ks"kr% lkoztfud {ks= ds cs dks ds fy,] cs fdx fllve es fjiksvz dh xbz dqy /kks[kk/kfm+;ks dk vf/kdk'k Hkkx budk gksrk gs A vkt ds c Sfdx ifjos'k es lkbcj lqj{kk egroiw.kz vko';drk gks xbz A cs d muur lqj{kk iz.kkyh rfkk voljpuk ds lkfk etcwr lkbcj lqj{kk ç.kkyh LFkkfir djus ds fy, l?ku ç;kl dj jgk gs A leiw~.kz fo'o es foùkh; {ks= es vflfkjrk c<+ jgh gs A vr% csd tksf[ke çc/ku ljpuk es rsth yk jgs gs A ih,uch,slh ç.kkfy; rs;kj djus es vxz.kh Hkwfedk fuhkkus ds fy, tkuk tkrk gs rfkk viuh lfø;rk ls çpkyu tksf[ke ds vrxzr mpp,çksp vfkkzr n LVs.MMkZbt,çksp ¼Vh,l,½ dks viukus ds fy, fofu;ked ls vuqeksnu çkir djus okyk igyk csd gsa under wtch. PNB hs given this re focused ttention to improve sset qulity constntly on qurter- on- qurter bsis. Fruds re big cuse of concern within the bnking system, prticulrly for the public sector bnks, s they ccount for lrge proportion of totl fruds reported in the bnking system. Cyber security is becoming criticl need in tody's bnking environment. PNB is mking constnt efforts to set up robust Cyber security system with upgrded security definitions nd infrstructure. Voltility in the finncil sector is incresing throughout the globe. The bnks re therefore gering up their risk mngement rchitecture to cope with the sme. PNB known for its led in setting up of such systems is proctive gin by being the first bnk to receive regultory pprovl for moving to more dvnced pproch i.e. 'The Stndrdised Approch' (TSA) under the Opertionl Risk. 65

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70 Z mùkjnkf;roiw.kz dkjksckj fu"iknu eq>s vkids csd dh pksfkh lh,lvkj fjiksvz vkids le{k izlrqr djrs gq, gkfnzd çluurk dh vuqhkwfr gks jgh gs] ftles ofpr oxz ds yksxks ds thou es cnyko ykus ds fy, o"kz ds nksjku vkids csd }kjk fd, x, dk;ks Z dk lf{kir fooj.k lekfgr gsa bl volj ij es] dkjksckj mùkjnkf;ro dh folr`r voèkkj.kk dks vkidh tkudkjh es ykuk pkgw xk ftles bldh lhekvks ds vrxzr lkekftd fuxfer mùkjnkf;ro 'kkfey gsa dkjksckj mùkjnkf;ro rfkk LFkkf;Roiw.kZ fodkl dh voèkkj.kk, çcèku fl)kr es çeq[k LFkku xzg.k dj pqdh gs vksj vkt cm+ s dkikszjsvks dks okf"kzd fjiksvz ds,d v'k ds #i es dkjksckj mùkjnkf;ro fjiksvz çdkf'kr djuk vfuok;z gsa vkids csd us dkjksckj mùkjnkf;ro lcèkh uhfr;ks dk fuekz.k fd;k gs vksj dkjksckj mùkjnkf;ro fjiksvz csd dh okf"kzd fjiksvz es igyh ckj 'kkfey dh tk,xha ;g voèkkj.kk vius i.kèkkfj;ks ds vfrfjä] lekt rfkk okrkoj.k ds fy, viuh fteesnkfj;ks dks js[kkfdr djrh gsa vkidk csd dbz o"kks Z ls lkekftd vksj vkffkzd muufr ds fy, uhfr;ks dk lfø;rk ls vuqlj.k dj jgk gs vksj ;s dk;z lh,lvkj ds ijijkxr {ks= ls vfèkd folr`r gsa vkids csd us?kkvs dh dkjksckj lhkkoukvks ds çfrdwy çhkko dh fprk fd, fcuk ns'k ds lqnwjorhz xkoks es viuk folrkj fd;k gsa csd dk _.k ifjfu;kstu lnso çkfkfedrk {ks=ks ] fdlkuks ] dkjhxjks ] NksVs nqdkunkjks ] m fe;ks rfkk m ksxifr;ks ds thou es cnyko ykus ij dsfuær jgk gsa efgyk] Lo; lgk;rk lewgks ] l;qä ns;rk lewgks rfkk lhekr loxks ds fy, fo'ks"k ;kstuk, miycèk gsa çr;sd ekeys es çeq[k mís'; bu loxks Z dks thfodk ds lkèku miycèk djuk gsa vkidk csd ikjifjd lh,lvkj {ks=ks es Hkh leku #i ls lfø; gsa ih,uch çsj.kk] mppkfèkdkfj;ks dh ifru;ks dk,d lxbu] vc Doing Responsible Business It is indeed plesure to present the fourth CSR Report of your Bnk plcing before you summry of the ctivities tht your Bnk undertook during the yer to mke difference in the lives of the underprivileged. I would like to tke this opportunity to introduce you to the wider concept of business responsibility, which includes CSR within its mbit. The concepts of business responsibility nd sustinble development hve moved to the forefront of mngement thought nd tody it is mndtory for big corportes to publish Business Responsibility Report s prt of the Annul Report. Your Bnk hs formulted Business Responsibility Policies nd the Business Responsibility Report will be included in the Annul Report of the Bnk for the first time. The concept underlines the responsibility of business to society nd environment, prt from its stkeholders. Your Bnk hs been ctively pursuing policies for socil nd economic upliftment over the yers nd these ctions go beyond the trditionl scope of CSR. Your Bnk hs expnded into the remote villges of the country without llowing the diminished business prospects to deter it. The credit deployment of the Bnk hs lwys focused on the priority sectors, mking difference in the lives of the frmers, the rtisns, the smll shopkeepers, the entrepreneurs nd the industrilists. There re specil schemes for women, self-help groups, joint libility groups nd other segments of the mrginlized. The objective in ech cse is to provide these segments with mens of livelihood. You Bnk hs been ctive in the trditionl CSR res s well. PNB Prern, n ssocition of the wives of the senior 68

71 s vius f}rh; o"kz es ços'k dj jgh gs vksj lnso dh Hkkfr vusd,slh ftnfx;ks ] ftugs lekt us ihns NksM+ fn;k gs] es vk'kk dh fdj.k cudj lgk;rk çnku djus ds fy, ç;ru'khy gsa fuèkzu,o t#jrenks dks dcy] nokb;k] [kk &lkexzh rfkk vu; t#jh olrqvks dk nku fd;k tk jgk gsa 'kkjhfjd v{ke,o n`f"vckfèkr yksxks dks Hkh mi;qdr lgk;rk nh tk jgh gsa vkids csd us ;krk;kr ifjifkks dks gfj;kyh çnku djus dh O;oLFkk dh gs rfkk o`{kkjksi.k vfhk;kuks dks lg;ksx çnku fd;k gsa gky gh es ] ubz fnyyh flfkr Hkh[kk,th dkek Iysl 'kk[kk es,d lksj ÅtkZ;qä bz&y ch dh LFkkiuk dh xbz gsa ge vu; 'kk[kkvks es bl e My dks ykxw djus rfkk gekjs ÅtkZ ds uohdj.k ;ksx; lzksrks dks c<+kus dh vk'kk djrs gsa,d ÅtkZ l{ke csd vkf[kjdkj,d okrkoj.k vuqdwy csd gs rfkk bls ge gfjr ifk dh yech ;k=k ds izfke pj.k ds #i es ns[krs gsa csd ds lrr pyus okys igy dneks es ls Ñ"kd çf'k{k.k dsuæ ¼,QVhlh½ rfkk xzkeh.k Lojkstxkj çf'k{k.k llfkku ¼vkj,lbZVhvkbZ½ izfke igy gsa ;s dsuæ ns'k es fofhkuu LFkkuks es fø;k'khy gs rfkk fdlkuks ds Kku,o dq'kyrk es lqèkkj ds ç;kl dj jgs gs rfkk xzkeh.k ;qokvks dks O;kolkf;d çf'k{k.k ns jgs gsa,qvhlh ij,d çhkkoh vkdyu vè;;u vk;ksftr fd;k x;k rfkk çkir QhM&cSd bfxr djrk gs fd ;s igy dne ldkjkred vrj cuk jgs gsa vkids csd ds ç;klks dks led{k csdks }kjk vfhklohñr fd;k x;k rfkk vkids cs d dks fctusl oymz&ihmcy;wlh }kjk ÞlokZfèkd lkekftd mùkjnk;h csdß ds fy, yxkrkj nwljh ckj o"kz 2011,o 2012 ds fy, iqjldkj çnku fd;k x;k gsa eq>s yxrk gs fd lh,lvkj efty u gksdj,d ;k=k gsa çr;sd dne vkidks lgh fn'kk es ys tk ldrk gs] vrj ugh im+rk fd og dne NksVk gks ;k cm+ka ge bl fn'kk es vius ç;klks dks tkjh j[krs gq, bl dk;z dks egroiw.kz <x ls c<+kuk pkgrs gsa vur es ] es mu lhkh dk gkfnzd èku;okn çdv djuk pkgrk gw ftugks sus o"kz ds nksjku fuxfer lkekftd mùkjnkf;ro dks lqy cukus es ;ksxnku fn;k gsa officils, is now into its third yer nd s lwys hs been instrumentl in bringing ry of hope into the lives of mny whom society hs left behind. Dontion of blnkets, medicines, food nd other necessities hve been mde to the poor nd needy. The hndicpped nd visully impired hve lso been ssisted in meningful wys. Your Bnk hs lso been rrnging for the greening of the trffic roundbouts nd supported tree plnttion drives. A solr powered e-lobby hs been set up recently t Bhikiji Cm Plce brnch t New Delhi. We hope to replicte this model t other brnches nd increse our use of renewble sources of energy. An energy efficient bnk is fter ll n environment friendly bnk nd we see this s the strt of long journey down the green rod. One of the Bnk's ongoing inititives is the Frmers' Trining Centres (FTCs) nd Rurl Self Employment Trining Institutes (RSETIs). These centres re functionl t vrious loctions in the country nd re mking n effort to upgrde the knowledge nd skills of frmers nd imprt voctionl trining to rurl youth. An impct ssessment study hs been conducted on the FTCs nd feedbck received indictes tht they re mking positive difference. The efforts of your Bnk hve been cknowledged by peers nd for the second time in row for the yer 2011 nd 2012, your Bnk hs been conferred the wrd for "Most Socilly Responsive Bnk" by BusinessWorld-PwC. I feel tht CSR is not destintion but journey. Ech step cn tke you in the right direction, no mtter how smll or lrge tht step my be. We would like to continue our efforts in this direction nd dd more vlue to the work. In the end, I would like to express my sincere thnks to ll those who contributed towrds mking Corporte Socil Responsibility success during the yer. ¼ds- vkj- dker½ vè;{k,o çcèk funs'kd (K. R. Kmth) Chirmn & Mnging Director 69

72 fuxfer lkekftd mùkjnkf;ro fjiksvz d- ih,uch çsj.kk ih,uch çsj.kk csd ds ofj"b vfèkdkfj;ks dh ifru;ks ds lkfk&lkfk csd dh ofj"b efgyk vfèkdkfj;ks dk,d lxbu gsa csd ds fuxfer lkekftd mùkjnkf;ro igy dneks dks lefkzu nsuk bl lxbu dk egroiw.kz mís'; gs A bl o"kz] ih,uch çsj.kk us viuh LFkkiuk ds nks o"kz iwjs dj fy, gs vksj bl volj dks lkjlor llñfr Hkou] U;w jktsuæ uxj] ubz fnyyh es t:jren,o ofpr yksxks dks Hkkstu djkdj euk;k x;ka CORPORATE SOCIAL RESPONSIBILITY REPORT A. PNB Prern PNB Prern is n ssocition of the wives of the senior officils of the Bnk s well s senior ldy officils of the Bnk. The prime objective of the ssocition is to support the corporte socil responsibility inititives of the Bnk. This yer, PNB Prern completed its two yers of existence nd the event ws mrked with distribution of food to the needy nd destitute t the Srswth Snskriti Bhwn, New Rjinder Ngr, New Delhi. Jherh iq"ik dker] vè;{k] ih,uch çsj.kk] Jh ds-vkj- dker] vè;{k,o çcuèk funs'kd,o dk;zikyd funs'kdx.k] ih,uch fnukd dks lkjlor llñfr Hkou] ubz fnyyh es t:jren,o fuèkzuks dks Hkkstu djkrs gq,a ns'khkj es ;kstukc) rjhds ls fuxfer lkekftd mùkjnkf;ro xfrfofèk;ks dks viukus,o fu"ikfnr djus ds fy, ih,uch us yxkrkj nks o"kz 2011,o 2012 ds fy, fctusl oymz&ihmcy;wlh }kjk ^*lokzfèkd lkekftd mùkjnk;h csd iqjldkj** çkir fd;k gsa Smt. Pushp Kmth, President, PNB Prern, Sh. K.R. Kmth, CMD nd Executive Directors, PNB distributing food to the needy nd destitute on t Srswth Snskriti Bhwn New Delhi. For undertking the CSR Activities nd executing the sme in plnned wy cross the country, PNB hs won the "Most Socilly Responsive Bnk Awrd" consecutively for the two yers i.e nd 2012 wrded by Business World- PwC. Jh ds-vkj- dker] vè;{k,o çcuèk funs'kd] ekuuh; dsuæh; e=h xzkeh.k fodkl Jh t;jke jes'k ls fctusl oymz&ihmcy;wlh }kjk Shri K.R. Kmth, CMD, PNB receiving 'Most Socilly Responsive Bnk Awrd' by BusinessWorld-PwC from 70

73 ^*lokzfèkd lkekftd mùkjnk;h csd iqjldkj** çkir djrs gq,a Jh jktdqekj èkwr] lln lnl; Hkh fp= es n`';eku gsa ih,uch çsj.kk }kjk o"kz 2012&13 ds nksjku dh xbz lh,lvkj dh dqn igy % Hon'ble Union Minister of Rurl Development, Shri Jirm Rmesh. Also seen in the picture is Shri Rjkumr Dhoot, Member of Prliment A few inititives of the CSR undertken during the yer were: Jherh iq"ik dker] vè;{k] Jherh lq"kek ckyh] lfpo,o Jherh fdj.k xzksoj] mi lfpo] ih,uch çsj.kk ds vu; lnl;ks ds lkfk fe'kujht v Q psfjvh] fuezy ân;] rhekjiqj] fnyyh dks 30 i[ks nku djrs gq,a ih,uch çsj.kk us fe'kujht v Q psfjvh] fuezy ân;] frekjiqj] fnyyh dks 30 i[ks nku fd,a fueufyf[kr izr;sd llfkku dks ` 16 yk[k dk nku % i. v{k;ik= QkmMs'ku dks vlgk;,o fuèkzu O;fä;ks dks Hkkstu ds fy, fnyyh ljdkj dh Hkkxhnkjh ;kstuk ds vrxzr ^*vkidh jlksbz** dks vxhñr djus gsrqa Smt Pushp Kmth, President, Smt. Sushm Bli, Secretry nd Smt. Kirn Grover, Joint Secretry long with other members of PNB re donting 30 fns to Missionries of Chrity, Nirml Hridy, Timrpur, Delhi. Dontion of 30 fns by PNB Prern to Missionries of Chrity, Nirml Hridy, Timrpur, Delhi. Snction of ` 16 lkh s dontion to ech to following Institutions: i. Akshyptr Foundtion - for food to helpless nd destitute popultion for dopting "Ap Ki Rsoi" under Bhgidri Yojn of Government of Delhi. fuèkzu,o vlgk; O;fä;ks dks Hkkstu çnku djus ds fy, ih,uch us v{k;ik= QkmMs'ku dks ` 16 yk[k nku fn, A csd ds LFkkiuk fnol ij Jh ds-vkj- dker] vè;{k,o çcuèk funs'kd] dk;zikyd funs'kdks ds lkfk Jh dqykun tks'kh] eq[;e=h fnyyh ds vij lfpo,o v{k;ik= QkmMs'ku ds çfrfufèk;ks dks psd lksirs gq,a PNB hs snctioned n mount of ` 16 lkh to Akshy Ptr foundtion tht provide food to poor nd needy popultion. CMD longwith EDs of the Bnk is seen hnding over the cheque to Sh Kulnnd Joshi, Addl. Secretry to CM Delhi & representtives of Akshy Ptr foundtion. 71

74 ii. lqnjtx vlirky dks xjhc ejhtks dh lgk;rk ds fy, fpfdrlk midj.kks vkfn gsrq A ii. Sfdrjung Hospitl to help poor ptients towrds medicines pplinces implnts, etc. lqnjtx vlirky ds vlgk;,o xjhc ejhtks dh lgk;rk ds fy, Hkkstu,o nokbz;k iznku djus gsrq lqnjtx vlirky dks ` 16 yk[k nku fn,a csd ds LFkkiuk fnol ij Jh ds- vkj- dker] vè;{k,o izc/k funs'kd] dk;zikyd funs'kdks ds lkfk Mk- ohuw [kuuk] vij fpfdrlk v/kh{kd dks psd lksirs gq,a 'kkjhfjd :i ls v{ke O;fDr;ks ds bykt ds fy, iquokzl lgk;rka To provide food nd medicines to helpless nd destitute ptients of Sfdrjung Hospitl PNB snctioned ` 16 lkh to Sfdrjung Hospitl. On the occsion of Foundtion Dy of the Bnk, CMD longwith EDs is seen hnding over the cheque to Dr Vinu Khnn, Addl.Medicl Supdt, Sfdrjung Hospitl. Rehbilittion support for tretment of physiclly chllenged persons. ih,uch çsj.kk ds lnl;ks }kjk cky fnol vfkkzr 14 uoecj] 2012 dks ^vfkz lsfo;lz QkmMs'ku^ ubz fnyyh ds,d,uthvks ds vyilqfoèkk çkir cppks dks ys[ku lkexzh] is fly dylz] febkb;k vkfn forfjr dh xbza Members of PNB Prern distributed sttionery rticles, pencil colours, sweets, etc. to the underprivileged children t function orgnized by NGO nmely "Erth Sviours Foundtion", New Delhi on the occsion of Children's Dy i.e. 14 November

75 tu lkeku; dks xfez;ks ds nksjku jkgr çnku djus ds fy, iwjs ns'k es emy dk;kzy;ks ds ekè;e ls I;kÅ ¼ihus ds ikuh dh lqfo/kk½ dh O;oLFkk djuka jk"vªh; çkk n`f"v llfkku] jksfg.kh] fnyyh ds n`f"vghu,o 'kkjhfjd :i ls v{ke lnl;ks ds lkfk ih,uch çsj.kk ds lnl;ks us gksyh dk mrlo euk;ka vf[ky Hkkjrh; vk;qfozkku llfkku,o lqnjtx vlirky es HkrhZ ejhtks ds lsodks dks tkm+ s ds eksle ds nksjku decyks dk forj.k fd;ka Providing relief to common mn during summer seson by rrnging Pyu (Drinking Wter fcility) rrnged by the circles throughout the country. Members of PNB Prern celebrted Holi festivl with the blind nd physiclly chllenged inmtes t Rshtriy Prgy Drishti Smsthn, Rohini, Delhi. Dontion of blnkets during the winter seson to the ttendnt of poor ptients dmitted t AIIMS nd Sfdrjung Hospitl, Delhi. Jherh lqfe=k cly] mikè;{k ^ih,uch çsj.kk^,o vu; lnl;,el] ubz fnyyh es HkrhZ ejhtks ds lsodks dks decy forfjr djrs gq,a csd ds çèkku dk;kzy; es jänku f'kfojks dk vk;kstua Smt. Sumitr Bnsl, Vice President, 'PNB Prern' longwith other members is distributing the Blnkets to the ttendnts of the Ptients hospitlized in the AIIMS New Delhi Orgnistion of blood dontion cmps t Hed Office of the Bnk. jsm ØkWl] ubz fnyyhs lkslkbvh ds lg;ksx ls ih,uch us 274 ;wfuv jä nku fd;ka bl volj ij Jh ds-vkj- dker] vè;{k,o çcuèk funs'kd,o Jh Mh-ds- fl?kyk] funs'kd] ih,uch jdrnku djrs gq,a With the support of Red Cross, New Delhi, PNB donted 274 units to blood. On this occsion Sh. K R Kmth CMD nd Sh. D K Singl, Director, PNB donting the blood. 73

76 ,.kkzdqye es iqlrdky; dh LFkkiuk Setting up of Librry t Ernkulm xko dmeddmh] ftyk,.kkzdqye es fnukd dks iqlrdky; dh LFkkiuk A emy dk;kzy; jk;iqj es Nk=kvks ds fy, 'kkspky; ds fuekz.k gsrq foùkh; lgk;rk çnku dh xbza Setting up of the Librry t villge Kdmkkudi, Ernkulm District on Extending Finncil help in building the toilet for the girl student t CO: Ripur. Jherh fluxèkk ikmk] vè;{k] ih,uch çsj.kk jk;iqj ;wfuv rfkk vu; lnl; uohu çkfkfed Ldwy] Hkokuh uxj] jk;iqj ds cppks dks iqlrkds,o LVs'kujh lkexzh nku djrs gq,a Ldwy dh Nk=kvks ds fy, vkèkqfud 'kkspky; ds fuekz.k gsrq foùkh; lgk;rk Hkh çnku dh xbza eqecbz es 'kkjhfjd :i ls v{ke O;fä;ks dks QksfYMx Oghy ps;j iznku djrs gq,a Smt. Snigdh Pnd, President, Ripur Unit of PNB Prern nd other members donting books nd sttionery items to the children of Nveen Prthmik School, Bhvni Ngr, Ripur, they extended finncil help in constructing the modern toilet for the Girl students of the school. Donting folding wheelchirs to the fellowship of Physiclly Hndicpped in Mumbi. Jh Mh-ds- tsu] emy çeq[k] eqecbz ih,uch çsj.kk ds lnl;ks ds lkfk eqecbz es ^^'kkjhfjd :i ls v{ke lnl;ks ^^ dks QksfYMx Oghy ps;j iznku djrs gq,a Sh. D. K. Jin, Circle Hed Mumbi with members of PNB Prern Mumbi Unit donting folding wheelchirs to the "fellowship of physiclly hndicpped" t Mumbi. 74

77 emy dk;kzy;] gsnjkckn es cky fnol eukrs gq, Celebrting Childrens' Dy t CO:Hyderbd. cky fnol ds volj ij Jh vkj-ds- pvthz] emy çeq[k] gsnjkckn 'kkjhfjd,o ekufld :i ls v{ke cppks ds fy, lefizr lxbu] ;kfeuh QkmMs'ku dks Ldw~y QuhZpj iznku djrs gq,a [k- rhu lokzfèkd uoksues"k fuxfer lkekftd mùkjnkf;ro ls lecfuèkr xfrfofèk;ks dks iqjlñr djuka 1- emy dk;kzy;] dq:{ks= % gfj;k.kk es fyx vuqikr es fo"kerk dks ns[krs gq, emy dk;kzy;] dq:{ks= }kjk lkekftd dy;k.k lxbuks ds lkfk du;k f'k'kq dks cpkus ds fy, tkx:drk dk;zøe dk vk;kstu fd;k x;ka du;k f'k'kq dks tue nsus okyh efgykvks dks ekses Vks çnku fd, x,a bl volj ij miflfkr efgykvks,o iq#"kks us du;k f'k'kq dks cpkus] mugs f'kf{kr djus vksj ngst u nsus dh 'kifk yha On the occsion of Childrens'Dy, Sh. R.K. Chtterjee, Circle Hed, Hyderbd donting school furniture to the Ymini Foundtion, n orgniztion dedicted to the cuse of physiclly & mentlly chllenged children. B. Awrding Three Most Innovtive CSR Activities 1. Circle Office, Kurukshetr: In view of the dverse sex rtio in Hryn n wreness progrm ws orgnized to sve girl child, by Circle Office, Kurukshetr in consonnce with Socil welfre orgniztions. The mementos were presented to the women who hve given birth to girl child. The Women nd men present on the occsion took n oth to sve girl child, educte them nd not to give dowry. 2- emy dk;kzy;] dksydkrk % xjhc efgykvks vksj cppks ds fy, xzkeh.k dsuæ ds lksyj fllve fo qrhdj.k dh LFkkiuk vksj efgyk iquokzl dsuæks,o xjhc xzkeh.kks ds fy, dksfpx ls Vj dh LFkkiuk dks çk;ksftr fd;ka 2. Circle Office, Kolkt: Circle office sponsored setting up of solr system electrifiction of villge centre for poor women nd children nd setting up of women rehbilittion centers nd poor villgers coching center. 75

78 3- emy dk;kzy;] nsgjknwu % ^xxk lfefr* _f"kds'k dh vuqefr ls fnukd dks _f"kds'k es xxk unh ds fdukjs xxk lqkbz vfhk;ku emy dk;kzy; us vk;ksftr fd;ka xxk dks lkq j[kus ds fy, lhkh?kkvks ij dbz dwm+ snku j[ks x,a 3. Circle Office, Dehrdun: Circle Office orgnised CLEAN GANGA CAMPAIGN t Rishikesh on the Bnk of river Gng with the due permission of "Gng Smiti" Rishikesh on 16th My 2012, to help keep Gng Clen number of Dustbins hve been plced t ll Ghts. x- Ñf"k,o Ñ"kd lecuèkh igy % Ñf"k,o xzkeh.k {ks= ds folrkj dh vksj csd dk ;ksxnku tkjh jgka ih,uch Ñ"kd dy;k.k U;kl% csd us Ñ"kdks ] efgykvks,o xzkeh.k {ks= ds ;qokvks ds dy;k.k ds fy, o"kz 2000 es ih,uch Ñ"kd dy;k.k U;kl dh LFkkiuk dh gsa U;kl ds lj{k.k ds vrxzr lppk[ksm+k ¼gfj;k.kk½] fofn'kk ¼e-ç-½] uhejkuk ¼jktLFkku½( 'ke'ksj uxj ¼itkc½( lsqbz ¼m-ç-½ yhkmh ¼NÙkhlx<+½( esgjkt ¼itkc½( fiyyk;kjiêh ¼rfeyukMq½( djkiyyh] rglhy cjgeiqj] mm+hlk rfkk rykbz] eq'khznkckn ¼if'pe cxky½ es csd ds 10 Ñ"kd çf'k{k.k dsuæ dk;z dj jgs gsa ;s lhkh 10 Ñ"kd çf'k{k.k dsuæ xzkeh.k {ks=ks es voflfkr gs ftuds }kjk Ñf"k rfkk lc) xfrfofèk;ks ] dei;wvj ikbîøeks ] dfvx] flykbz,o d<+kbz vkfn dk fu'kqyd çf'k{k.k fn;k tkrk gsa bu Ñ"kd çf'k{k.k dsuæks }kjk o"kz 2012&13 ds nksjku Ñ"kdks,o ;qokvks dks çf'k{k.k fn;k tk pqdk gs] ftues efgyk, 'kkfey gsa blds vfrfjä] o"kz 2012&13 ds nksjku Ñ"kd çf'k{k.k dsuæ }kjk 62 ekuo fpfdrlk t p f'kfoj] 104 i'kq LokLF; t p f'kfoj vk;ksftr fd, x, vksj Ñf"k fo'ofo ystks ljdkjh Qkeks Z vkfn es Ñ"kdks ds 42 nksjs vk;ksftr fd;s x,a çr;sd Ñ"kd çf'k{k.k dsuæ us ` 5 yk[k dh jkf'k ls fodklksueq[k xfrfofèk;ks dks vk;ksftr djus ds fy,,d x o dks vxhñr fd;k gs] ftles tu&lqfoèkkvks dk fuekz.k] Ldwy ds fy, dejs] xzkeh.k iqlrdky;] fmlis ljh] [ksy ds fy, esnku] Ldwyks dks i[ks] okvj dwyj vkfn çnku djus tsls fodklkred dk;z fd;s tk jgs gsa ^foùkh; lekos'ku* ds fy, U;kl dks dkjksckj lgk;d ¼fctusl QsflfyVsVj½,o dkjksckj çfrfufèk ¼fctusl dksjsliksums V½ ds :i es fu;qdr fd;k x;k gsa Ñ"kd çf'k{k.k dsuæ ds uhejkuk ¼jktLFkku½( C. Agriculture nd Frmer Relted Inititives Bnk hs continued to contribute towrds expnsion of griculturl nd rurl development. PNB Frmers' Welfre Trust Bnk estblished PNB Frmers' Welfre Trust in the yer 2000 for welfre of the frmers, women nd youth in rurl res. Under the egis of the Trust, 10 Frmers' Trining Centres (FTCs) hve been opertionlised viz., Sch Kher (Hryn); Vidish (MP); Neemrn (Rjsthn); Shmsher Ngr (Punjb); Sifi (UP), Lbhndi (Chhttisgrh); Mehrj (Punjb), Pillyrptti (Tmil Ndu), Krplli, Tehsil Berhmpur, Odish nd Tli, Murshidbd, West Bengl. All the 10 FTCs of the Bnk re locted in rurl res nd provide free of cost trining on griculture & llied ctivities, computer courses, cutting, tiloring & embroidery, etc. These FTCs imprted trining to frmers nd youth including women during the yer Further, during , 62 Humn Helth Check Up Cmps, 104 Animl Helth Check Up Cmps were conducted nd 42 visits to Agriculturl Universities/Colleges/ Firs/ Govt. Frms etc were rrnged. Ech FTC hs dopted one villge for undertking developmentl ctivities t cost of ` 5 lkh, wherein developmentl works like construction of public conveniences, clss-rooms for schools, villge librry, dispensry, plygrounds, providing fns, wter coolers, etc., to schools re being undertken. The Trust hs been ppointed s Business Fcilittor nd Business Correspondent for 'Finncil Inclusion'. Pilot projects re opertionl t Fmers' Trining Centres, 76

79 'ke'ksj uxj ¼itkc½] lppk [ksm+k ¼gfj;k.kk½ rfkk lsqbz ¼m-ç-½ es ik;yv ifj;kstuk, ifjpkyujr gsa bl U;kl us fdlku cèkq ;kstuk 'kq: dh gs tg LFkkuh; ;qokvks dks foùkh; lekos'ku ifj;kstuk gsrq dke djus ds fy, tksm+k x;k gs A vu; dsuæks es Hkh fdlku cèkq ih,uch,qmcy;wvh dh rtz ij foùkh; lekos'ku dks c<+kus ds fy, dk;z dj jgs gsa Ñ"kd çf'k{k.k dsuæks }kjk fofhkuu fuxfer lkekftd mùkjnkf;ro xfrfofèk;ks tsls iks/kks dks dks nku djuk] xjhc xzkeh.kks fo'ks"kdj cppks ds ykhkkfkz tkp f'kfojks dk vk;kstu fd;k x;k A itkc us'kuy csd 'krkcnh xzkeh.k fodkl U;kl ¼ih,uch lhvkjmhvh½ csd us xzkeh.k fodkl,o ykhknk;h jkstxkj ds fy, xzkeh.k ;qokvks dh lgk;rk ds mís'; ls 1993 es ih,uch 'krkcnh xzkeh.k fodkl U;kl dh LFkkiuk dh gs A bl U;kl ds vrxzr rhu bdkbz;k ;Fkk x o evdh >jksyh ¼m-ç-½ es eǹk ijh{k.k,o Ñf=e xhkkzèkku dsuæ] x o èkqfm+ds ¼itkc½ es xzkeh.k ;qokvks ds Lojkstxkj gsrq çf'k{k.k dsuæ rfkk ivuk ¼fcgkj½ es csjkstxkj ;qodks ds çf'k{k.k gsrq ih,uch Lojkstxkj fodkl llfkku dk;z dj jgs gsa o"kz 2012&13 ds nksjku evdh >jksyh dsuæ ¼m-ç-½ es 3002 eǹk uewuks dk fo'ys s"k.k fd;k x;k] 601 Ñf=e xhkkzèkku djk, x, rfkk 4485 chekj i'kqvks dk mipkj fd;k x;k A blds vfrfjä] O;fä;ks us cehz deiksftfvx,o lksj ÅtkZ ds çn'kzuks es Hkkx fy;ka bu rhu dsuæks es o"kz 2012&13 ds nksjku 768 efgykvks lfgr dqy 1478 yksxks dks çf'k{k.k çnku fd;k x;k A xzkeh.k Lo jkstxkj çf'k{k.k llfkku ¼vkj,lbZVhvkbZ½ blds vkxs] xzkeh.k fodkl e=ky;] Hkkjr ljdkj ds fn'kkfuns Z'kkuqlkj çr;sd csd dks vius vxz.kh ftys ds lkfk&lkfk lecfuèkr jkt; Lrjh; csdlz lfefr }kjk vkofvr xsj vxz.kh ftyks es xzkeh.k Lojkstxkj çf'k{k.k dsuæ dh LFkkiuk djuh gs] ftlds fy, jkt; ljdkj }kjk ij xzkeh.k Lojkstxkj çf'k{k.k llfkku ds Hkou ds fuekz.k ds fy, Hkwfe vkofvr dh xbz gsa ih,uch 'krkcnh xzkeh.k fodkl U;kl ds lj{k.k ds vrxzr 44 ih,uch xzkeh.k Lojkstxkj çf'k{k.k llfkku LFkkfir fd, tk pqds gsa foùk o"kz 2013 ds nksjku 967 izf'k{k.k dk;zøeks ds ekè;e ls bu llfkkuks }kjk O;fä;ks dks çf'k{k.k çnku fd;k x;ka bu llfkkuks }kjk xzkeh.k {ks=ks ds xjhch js[kk ls uhps thou ;kiu dj jgs xzkeh.k ;qodks rfkk efgykvks dks çf'k{k.k çnku fd;k tk jgk gs rkfd os Lo; dks mriknd Lojkstxkj dk;zdykiks es yxk lds rfkk vius vk; ds Lrj dks c<+k ldsa foùkh; lk{kjrk dsuæ ¼,Q,ylh½ foùkh; lk{kjrk çnku djus gsrq foùkh; lk{kjrk dsuæks ¼,Q,ylh½ dh LFkkiuk dh xbz FkhA fu;ked fn'kkfunsz'kks ds vuqlkj] çr;sd vxz.kh csd dks gj,d ftys es tgk mlds ikl mùkjnkf;ro gs],d foùkh; lk{kjrk dsuæ [kksyuk visf{kr gsa csd ds ikl 60 ftyks es Neemrn (Rjsthn), Shmsher Ngr (Punjb), Sch Kher (Hryn) nd Sifi (UP). The Trust hs lunched Kisn Bndhu Scheme wherein locl youth re ssocited to work for the finncil inclusion project. In other Centres lso, Kisn Bndhus re working for bringing bout Finncil Inclusion t the instnce of the PNBFWT. Vrious CSR ctivities, s desired by the CSR Committee of the Bnk, from time to time, such s dontion of plnts/splings to the frmers / trinees, other VIPs/dignitries nd holding of Dentl/Eye Check Up Cmps for the benefit of rurl poor, prticulrly children re lso undertken by the FTCs. PNB Centenry Rurl Development Trust (PNB CRDT) The Bnk hd estblished PNB CRDT in 1993 with n objective of ssisting rurl youth for tking up ginful employment nd rurl development. Three units under the Trust re working, viz., Soil Testing & Artificil Insemintion Centre t Villge Mtki Jhroli (UP); Trining Centre for Rurl Youth for Self Employment t villge Dhudike (Punjb) nd PNB Swrojgr Viks Snsthn for trining of unemployed youth t Ptn (Bihr). At Mtki Jhroli Centre (UP), 3002 soil smples hve been nlyzed, 601 rtificil insemintions hve been done nd 4485 disesed nimls hve been treted during the yer Besides, persons hve ttended demonstrtions on vermi composting nd solr energy. In these three centres, trining hs been provided to 1478 persons including 768 women during the yer Rurl Self Employment Trining Institutes (RSETIs) Further, s per the Ministry of Rurl Development, Govt. of Indi guidelines ech Bnk is to estblish Rurl Self Employment Trining Institute (RSETI) in it's led districts s well s in non-led districts llotted by the concerned SLBC, for which lnd is lloted by the concerned Stte Government free of cost/ on lese bsis for construction of RSETI building. Under the egis of PNB Centenry Rurl Development Trust, 44 PNB Rurl Self Employment Trining Institutes (PNBRSETIs) hve been estblished. Totl 967 trining progrmmes were orgnised nd persons hve been provided trining by these centres during FY'13. These institutes re providing trining to the Rurl BPL youth nd women so tht they cn engge themselves in productive self employment ctivities nd rise their income level. Finncil Litercy Centres (FLCs) Finncil Litercy Centres (FLCs) were introduced to imprt finncil eduction. As per the regultory guidelines, ech Led Bnk is expected to open FLC in every district where it hs led responsibility. The Bnk hs Led Bnk 77

80 vxz.kh csd dk mùkjnkf;ro gs rfkk csd us 'kkeyh ds vfrfjä lhkh vxz.kh ftyks es foùkh; lk{kjrk dsuæ [kksys gsa blds vfrfjä] csd us,d foùkh; lk{kjrk dsuæ djksy ckx] ubz fnyyh rfkk Lor= ifjlj ds lkfk 40 vxz.kh ftyks es foùkh; lk{kjrk dsuæ [kksys gs] ftls feykdj,q,ylh dh dqy l[;k 100 gks xbz gsa bu dsuæks }kjk foùkh; ekeyks ;Fkk tekjkf'k; ] uks fýy [kkrs [kksyuk] lqj{kkred,o mipkjkred _.k ijke'kz nsus ds fy, O;fäxr :i ls lsok, çnku dh tk jgh gs A foùkh; o"kz 2013 ds nksjku foùkh; lk{kjrk rfkk _.k ijke'kznkrk dsuæks ls O;fä;ks us iwnrkn dh vksj bu dsuæks }kjk vk;ksftr lsfeukjks es O;fä;ks us Hkkx fy;ka ih,uch fodkl xzke vxhdj.k ;kstuk fuxfer lkekftd mùkjnkf;ro xfrfofèk;ks ds,d fglls ds :i es ] csd us ^ih,uch fodkl* uked xzke vxhdj.k dh,d dy;k.kdkjh ;kstuk vkjhk dh gsa ^ih,uch fodkl* dk ewy mís'; vxhñr xzkeks dk,dhñr rjhds ls fodkl djuk gs] ftles vu; LVsd gksymjks ] xzkeh.kks ] ljdkjh izkfèkdj.kks ] LFkkuh; fudk;ks br;kfn ds lg;ksx ls ekuo fodkl] vkffkzd fodkl,o ljpukred fodkl 'kkfey gsa bl ;kstuk ds vrxzr cs d us fofhkuu emyks es 120 xzkeks dk vxhdj.k fd;k gs tks fofhkuu emyks ds vrxzr 61 vxz.kh ftyks rfkk 59 xsj vxz.kh ftyks es gsa LokLF;,o lkekftd igy LVkQ ds lfø; ;ksxnku ls o"kz ds nksjku fofhkuu lkekftd xfrfofèk;k vk;ksftr dh x;h ftles 173 fu%'kqyd us= fpfdrlk rfkk lkeku; tkp f'kfoj rfkk 65 jänku f'kfoj 'kkfey gsa csd }kjk itkc] eè; çns'k] gfj;k.kk] fcgkj] if'pe cxky] fgekpy çns'k] mùkj çns'k,o mùkjkpy ds xzkeh.k {ks=ks es iqlrdky; lgokpuky; pyk;k tk jgk gsa o"kz ds nksjku] csd us ofj"b ukxfjdks rfkk 'kksf"krks dks f'k{kk gsrq vfkz lsfo;lz QkmMs'ku }kjk vk;ksftr xfrfofèk;ks es Hkkx fy;ka csd us jktlfkku ds,d ljdkjh vlirky es ^^uotkr f'k'kq dh ns[khkky rfkk dqiks"k.k mipkj dkuzj^^ dks rfkk xsj ljdkjh lxbuks }kjk fnyyh ds >qxxh >ksifm+;ks es jgus okyh xjhc ym+fd;ks ds fgrykhk gsrq çf'k{k.k dk;zøeks dks Hkh lg;ksx fd;ka gfjr igy i;kzoj.kh; ekudks dk ikyu djus okyh ifj;kstukvks dks _.k nsdj cs d us i;kzoj.k ds lj{k.k dks xhkhjrk ls fy;k gsa gfjr xfrfofèk;ks dks c<+kus ds fy, csd us 249 ls Hkh vfèkd o`{kkjksi.k vfhk;ku pyk,a responsibility in 60 districts nd hs opened FLCs in ll led districts except Shmli. In ddition to this, the Bnk hs opened one FLC in Krol Bgh, Delhi, nd 40 FLCs in Led Districts, with independent premises, tking the totl number of FLCs to 100. These centres re providing direct counselling on finncil issues relted to bnking viz. deposits, opening of No frill Accounts, preventive nd curtive credit conselling etc. During FY'13, number of enquiries were mde in the FLCs nd persons ttended the seminrs conducted by FLCs. PNB VIKAS- Villge Adoption Scheme As prt of the Corporte Socil Responsibility inititives, the Bnk hs lunched Welfre Scheme of doption of villges nmed "PNB VIKAS". The bsic objective of "PNB VIKAS" is to develop the dopted villges in n integrted mnner, which includes Humn Development, Economic Development nd other Infrstructure Development in co-ordintion with the other stke holders, the villgers, the Govt. uthorities, locl bodies etc. Under the Scheme, Bnk dopted 120 villges out of which 61 re in led districts nd 59 in non led districts in different circles. Helth nd Socil Inititives With the ctive involvement of the stff, vrious communitybsed ctivities were undertken during the yer, which included 173 free medicl eye-cmps nd generl checkup cmps prt from 65 Blood Dontion Cmps. The Bnk is mintining Librry-cum-Reding Rooms in rurl res in the sttes of Punjb, M.P., Hryn, Bihr, West Bengl, Himchl Prdesh, Uttr Prdesh nd Uttrnchl. During the yer, the Bnk prticipted in ctivities orgnised by The Erth Survivors Foundtion for sving senior citizens nd educting the underprivileged. The Bnk lso supported "New Born Cre nd Mlnutrition Tretment Corner" in Govt. Hospitl of Rjsthn nd trining progrmmes for the benefit of poor girl students belonging to slum re of Delhi through NGOs. Green Inititives Bnk hs contributing to the sustinble development by dhering to environmentl stndrds while lending to the projects. To promote green ctivities, Bnk orgnized more thn 249 Tree Plnttion Drives. 78

81 csd ^gfjr dk;zç.kkyh* dks c<+kok ns jgk gs mnkgj.klo:i % i½ vr;fèkd pedhys yseiks ds LFkku ij lh,q,y dk ç;ksx djuk ii½ o"kkz ty lp;u iii½ lksyj ÅtkZ dk mi;ksx iv½ dkxt ds nksuks vksj eq~æ.k v½ deiksftv QSDl e'khuks dh [kjhn tks cgqís'kh; dk;z djus es l{ke gks vi½ ikuh ds fjlko dh rqjr ejeer vii½ tgk dgh lhko gks fctyh] i[ks br;kfn ds fy, eklvj ls flop dk ç;ksxa csd ds lrdzrk ç'kklu es gfjr igy dh LFkkiuk dh xbz Fkh ftlds vrxzr l Vos;j] csfdx m ksx es viuh rjg dk vuwbk ekeyks ds Rofjr fuivku rfkk csgrj ikjnf'kzrk gsrq vkjhk fd;k x;ka ;g ykxr,o le; dks de djsxka bl lk Vos;j dks lwpuk çks ksfxdh çhkkx dh lgk;rk ls lrdzrk çhkkx }kjk ^vkrfjd ç;kl ls* fodflr fd;k x;k gsa vkpfyd ys[kk ijh{kk dk;kzy;ks es inlfk emy dk;kzy; ds vfèkdkfj;ks rfkk lgk;d lrdzrk vfèkdkfj;ks dks gfjr lrdzrk ds dk;z djus dk çf'k{k.k fn;k x;k gsa [ksydwn dks çksrlkgu lhfu;j Vhe dks izksrlkfgr djus ds lkfk gh lkfk csd us 14 ls 19 o"kz ds vk;q oxz ds ;qok izfrhkk'kkyh f[kykfm+;ks dks jk"vªh; [ksy es Hkkx ysus ds fy, izksrlkfgr djus gsrq mugs rs;kj djus ds fy, viuk iz;kl tkjh j[kka ih,uch dh gkwdh Vhe us jk"vªh;,o vurjkz"vªh; VwukZes Vks es ns'k dk izfrfuf/kro fd;k vksj o"kz 2012&13 ds nksjku,l-,u-oksgjk xqjehr gkwdh VwukZes V] p.mhx<+ ¼ih,uch fotsrk½] fge xksym di VwukZes V lksyu ¼fgekpy izns'k½ ¼ih,uch fotsrk½] vkwy bf.m;k vthr flg gkwdh VwukZes V ¼ih,uch f}rh; LFkku ij½] vkwy bf.m;k csvul di gkwdh VwukZesV] dksydkrk ¼ih,uch f}rh; LFkku ij½ iqjldkj izkir fd;sa Bnk is encourging "Green Prctices" such s: i) Using CFL Lmps insted of incndescent lmps ii) Rin Wter hrvesting iii) Use of solr energy iv) Printing on both sides of pper v) Purchsing composite fx mchines which cn perform multiple functions vi) Immedite repir of ny wter lekge vii) Use of Mster sensors/ mster switches for lights, fns etc. wherever possible. Green inititives were introduced in Vigilnce Administrtion in the Bnk under which the softwre, first in its kind in bnking industry, hs been introduced for speedy clernce of the cses nd better trnsprency. This will reduce cost nd time. The softwre hs been developed 'in house' by Vigilnce Deprtment with the help of I.T. Division. The officils of the circle office nd Assistnt Vigilnce Officers posted t Zonl Audit Offices were given trining on working of Green Vigilnce. Promotion of Sports Bnk continued its efforts to promote nd revitlize the ntionl gme by grooming young tlented plyers in the ge group of 14 to 19 yers s prt of its Junior Hockey Tem, while nurturing the senior tem s well. PNB Hockey Tems represented the country in Ntionl nd Interntionl hockey tournments nd won S.N. Vohr Gurmeet Hockey Tournment, Chndigrh (PNB winner), Him Gold Cup Tournment Soln (HP) (PNB winner), All Indi Ajit Singh Hockey Tournment (PNB stood 2nd), All Indi Beighton Cup Hockey Tournment, Clcutt (PNB stood 2nd) during pmhx<+ es vk;ksftr,l-,u- oksgjk xqjehr g dh VwukZes V es fotsrk ih,uch dh lhfu;j Vhe PNB Senior Hockey Tem won S N VOHRA GURMEET HOCKEY Tournment orgnized t Chndigrh 79

82 ?k- lekiu itkc us'kuy csd dks jk"vªh; mís'; ds fy, Lons'kh iw th ls l`ftr fd, tkus dh fof'k"vrk çkir gsa vr% vkjehk ls gh dkjiksjsv lkekftd mùkjnkf;ro bldh uhfr dk,d vfhkuu fgllk jgk gsa csd viuh lh,lvkj xfrfofèk;ks dks tkjh j[ksxk rfkk lhkh LVsd gksymjks ds lkfk gekjs lekt vksj vfkzo;olfkk ds lexz,o fujrj fodkl es egroiw.kz ;ksxnku ds fy, blds lçs"k.k dks iqu% etcwr cuk;sxka csd dh ns'khkj es dqy 'kk[kk usvodz ds 62% ls vfèkd dh xzkeh.k,o v)z'kgjh {ks=ks es miflfkfr bl mís'; dh iwfrz ds fy, bldh çfrc)rk dks fl) djrh gs tksfd blds nsufnu dk;zdykiks es lfuufgr gsa D. Concluding Remrks Punjb Ntionl Bnk hs distinction of hving been creted with swdeshi cpitl for the ntionl cuse. As such the corporte socil responsibility hs been n integrl prt of its policy from beginning. Bnk will continue to uphold its CSR stnce & further strengthen its communiction with ll stkeholders to meningfully contribute to inclusive nd sustinble growth of our society nd economy. Bnk's presence in Rurl nd Semi-Urbn re cross the country to the extent of more thn 62% of totl brnch network is proof of its commitment to the cuse, which is embedded in its dy to dy functioning. 80

83 dkjksckj mùkjnkf;ro fjiksvz vuqc/k&2 Hkkx d % deiuh ds ckjs es lkeku; tkudkjh 1- deiuh dk d jiksjsv igpku l[;k ¼lhvkbZ,u½ ykxw ugh 2- deiuh dk uke itkc us'kuy csd 3- ithñr irk itkc us'kuy csd] ç/kku dk;kzy;] 7 Hkh[kk,th dkek Iysl ubz fnyyh & osclkbv 5- bz&esy vkbzmh ls lec) gs dksm vuqlkj½ 6-7- foùkh; o"kz fjiksvz deiuh ftu {ks=ks 2012&13 ¼vkS ksfxd xfrfof/k;k Ø- l- vuqhkkx 1- csfdx lsok, 2- ØsfMV dkmz 3- ljdkjh O;olk; 4- epszv csfdx 5-,tslh O;olk;& chek csfdx] E;wpqvy QM vkfn 8- rhu çeq[k ftugs deiuh }kjk fufezr fd;k tkrk djk;k tkrk gs] dh lwph nsa vius xzkgdks ds fofhkuu t:jrks vksj vkdk{kkvks dh iwfrz ds fy, folr`r l[;k es mriknks vksj lsokvks dks çnku djrk gsa dqn izeq[k mriknks ds uke bl çdkj gs% tekjkf'k;k pkyw [kkrs cpr fuf/k [kkrs lkof/k tek [kkrs vfxze udnh _.k fe;knh _.k fcy cêkdj.k lk[k i= vuq"kxh lsok, y dj fu{ksikxkj lsok, thou vksj xsj&thou chek O;olk; E;wP;qvy QM 9- LFkyks dh dqy l[;k tgk deiuh ds }kjk O;kolkf;d xfrfofèk;k dh tk jgh gs\ v vrjkz"vªh; LFkyks dh l[;k ¼çeq[k 5 ds folr`r fooj.k ns½ dk;kzy;ks ds çdkj Øe l- xuro; 'kk[kk, 1 v Q'kksj csfdx ;wfuv] eqecbz 2 dkcqy] vqxkfulrku 3 gkx dkx esu 4 dkmywu gkx dkx 5 MhvkbZ,Qlh] nqcbz vuq"kxh 1 ih,uchvkbz,y];wds ¼7 'kk[kk,½ 2 Mªd ih,uch fy- HkwVku ¼5 'kk[kk,½ 3 ts,llh,lch ih,uch] dtkfdlrku ¼4 'kk[kk,½ l;qä m e 1,ojsLV csd fyfevsm] dkbekmw] usiky ¼48 'kk[kk,½ çfrfuf/k dk;kzy; 1 vyekvh] dtkfdlrku] 2 'k?kkbz] phu 3 nqcbz] ;w,bz 4 vkslyks] ukosz 5 flmuh] vklvªsfy;k BUSINESS RESPONSIBILITY REPORT Annexure 2 Section A: Generl Informtion bout the Compny 1. Corporte Identity Number Not Applicble (CIN) of the Compny 2. Nme of the Compny Punjb Ntionl Bnk 3. Registered ddress Punjb Ntionl Bnk, Hed Office, 7 Bhikhiji Cm Plce, New Delhi Website 5. E-mil id 6. Finncil Yer reported Sector(s) tht the Compny is engged in (industril ctivity code-wise) S.N. Sectors 1. Bnking Services 2. Credit Crds 3. Govt Business 4. Merchnt Bnking 5. Agency Business- Insurnce, Mutul Funds etc. 8. List three key products/services tht the Compny mnufctures/provides (s in blnce sheet) The Bnk offers wide rnge of products nd services to its customers serving vrious needs nd spirtions. Some of the key products offered re: Deposits Current Accounts Svings Fund Account Term Deposit Account Advnces Csh Credit Term lons Bills Discounting Letters of Credit Ancillry Services Lockers Depository Services Life nd Non life Insurnce Business Mutul Funds 9. Totl number of loctions where business ctivity is undertken by the Compny. Number of Interntionl Loctions (Provide detils of mjor 5) Type of office S.N. Destintion Brnches 1 Offshore Bnking Unit, Mumbi 2 Kbul, Afghnistn 3 Hong Kong Min 4 Kowloon Hong Kong 5 DIFC, Dubi Subsidiry 1 PNBIL, UK (7 Brnches) 2 DRUK PNB Ltd., Bhutn (5 Brnches) 3 JSC SB PNB, Kzkhstn (4 Brnches) Joint Venture 1 Everest Bnk Limited, Kthmndu, Nepl (48 Brnches) Rep. Offices 1 Almty, Kzkhstn 2 Shnghi, Chin 3 Dubi, UAE 4 Oslo, Norwy 5 Sydney, Austrli 81

84 c- jk"vªh; LFkyks dh l[;k 31 ekpz 2013 dks ih,uch ds ikl 10,Qth,evks] 68 emy dk;kzy;] 5874 'kk[kk dk;kzy;ks ] folrkj ivy lfgr vksj 6313,Vh,e gsa 10- deiuh ds }kjk lsok, fn, x, cktkj] vrjkz"vªh;\ csd }kjk cm+s 'kk[kk usvodz ds lkfk jk"vªh; vksj vrjkz"vªh; cktkjks es lsok, nh xbz gsa Hkkx [k% deiuh dh foùkh; flfkfr dk fooj.k 1- çnùk iwth ¼vkbZ,uvkj½ ` djksm+ 2- dqy O;olk; ¼vkbZ,uvkj½ ` djksm+ 3- dj ds ckn dqy ykhk ¼vkbZ,uvkj½ ` djksm+ 4- dkwjiksjsv lkekftd nkf;ro ¼lh,lvkj½ ij dqy O;;] dj ds mijkr ykhk ds çfr'kr ds :i es \ foùkh; o"kz 2013 ds nksjku 1624 lh,lvkj xfrfof/k;ks ij ` yk[k dk dqy [kpz gqvka ;g dj dvksrh ds mijkr ykhk dk 0-07 çfr'kr gsa 5- mijksdr fcunq 4 es fd, x, [kpz ds vrxzr xfrfof/k;ks dh lwph%& v- fpfdrlk f'kfoj c- Ñf"k i'kqvks ds fy, LokLF; f'kfoj l- Ñf"k fo'o fo ky; es fdlkuks ds nksjks ds lkfk&lkfk mudk çf'k{k.k M- o`{kkjksi.k b- jänku f'kfoj bz- Ñf=e vxks dk forj.k m- ljdkjh vlirky] lhdj] jktlfkku es uotkr f'k'kq ns[khkky vksj dqiks"k.k okmz dk vxhdj.ka Hkkx x% vu; fooj.k 1- D;k deiuh dh dksbz vuq"kxh gs \ gk ] deiuh dh ik p?kjsyw vuq"kxh gs ;Fkk% v- ih,uch fxyv fyfevsm c- ih,uch vkoklh; foùk fyfevsm l- ih,uch fuos'k lsok, fyfevsm M- ih,uch chek czksfdx izk- fyfevsm* b- ih,uch thou chek deiuh fyfevsm# * ih,uch chek czksfdx çkbosv fyfevsm vhkh uku&qd'kuy gsa czksfdx ykblsl dks okil dj fn;k x;k gs vksj deiuh lekiu gsrq dk;z tkjh gsa # deiuh ij lekiuk/khu gsa csd dh rhu vrjkz"vªh; vuq"kxh gs% ¼v½ itkc us'kuy csd ¼vrjkZ"Vªh;½ fyfevsm] ;wdsa ¼c½ Mªd ih,uch csd fyfevsm ¼l½ ts,llh,lch ih,uch dtk[klrku 2- D;k ç/kku diuh ds O;olk; mùkjnkf;ro igy es lgk;d lghkkfxrk djrh gs\ ;fn gk] rks,slh lgk;d difu;ks dh l[;k ns\ dksbz ugh 3- D;k dksbz vu; ¼vFkkZr vkiwfrzdrkz] forjd br;kfn½ ftlds lkfk diuh O;olk; djrh gks] diuh dh O;olk; nkf;ro igy es lghkkfxrk djrh gs \ ;fn gk rks,sls dk çfr'kr ns ¼30% ls de] 30 ls 60%] 60% ls vf/kd½\ dksbz ugh b. Number of Ntionl Loctions PNB hs 10 FGMOs, 68 circle offices, 5874 Brnch offices including extension counters nd 6313 ATMs s on 31 st Mrch Mrkets served by the Compny - Locl/Stte/Ntionl/Interntionl Ntionl nd Interntionl mrkets with lrge brnch network. Section B: Finncil Detils of the Compny 1. Pid up Cpitl (INR) ` Crore 2. Totl Business (INR) ` Crore 3. Totl profit fter txes (INR) ` Crore 4. Totl Spending on Corporte Socil Responsibility (CSR) s percentge of profit fter tx (%) During FY'13 the totl spending on CSR ctivities ws ` lkhs on 1624 ctivities. This constituted 0.07% of Profit fter Tx. 5. List of ctivities in which expenditure in 4 bove hs been incurred:-. Medicl Cmps b. Helth Cmps for Frm nimls c. Frmers Trining including visits of frmers to Agriculture Universities. d. Tree Plnttion e. Blood Dontion Cmps f. Distribution of Artificil Limbs g. Adoption of New Born Cre nd Mlnutrition wrd t Government Hospitl, Sikr, Rjsthn. Section C: Other Detils 1. Does the Compny hve ny Subsidiry Compny/Compnies? Yes the compny hs five domestic subsidiries viz:. PNB Gilts Ltd. b. PNB Housing Finnce Ltd. c. PNB Investment Services Ltd. d. PNB Insurnce Broking Pvt. Ltd.* e. PNB Life Insurnce Compny Ltd.# * PNB Insurnce Broking Pvt. Ltd is non functionl. The broking License hs been surrendered nd steps re being tken for winding up of the compny. # The Compny is under liquidtion The three interntionl subsidiries of the Bnk re:. Punjb Ntionl Bnk (Interntionl) Ltd., UK. b. Druk PNB Bnk Ltd. c. JSC SB PNB Kzkhstn 2. Do the Subsidiry Compny/Compnies prticipte in the BR Inititives of the prent compny? If yes, then indicte the number of such subsidiry compny(s) No. 3. Do ny other entity/entities (e.g. suppliers, distributors etc.) tht the Compny does business with, prticipte in the BR inititives of the Compny? If yes, then indicte the percentge of such entity/entities? [Less thn 30%, 30-60%, More thn 60%] No 82

85 Hkkx?k % O;olk; mùkjnkf;ro lwpuk 1- O;olk; mùkjnkf;ro ds fy, mùkjnk;h dk fooj.k \ ¼v½ O;olk; mùkjnkf;ro dks ykxw djus okys ds fooj.k& Øe l0 fooj.k folr`r fooj.k 1- MhvkbZ,u u uke Jherh m"kk vurlqczã.;u 3- in dk;zikyd funs'kd ¼vk½ O;olk; mùkjnkf;ro çeq[k ds fooj.k Øe l0 fooj.k folr`r fooj.k 1- MhvkbZ,u u- ykxw ugh 2- uke Jh tksfxunj ctkt 3- in egkçc/kd] çc/ku lykgdkj lsok fohkkx 4- VsyhQksu u- 011& bz&esy u- 2- fl)krokj ¼,uohth ds vuqlkj½ O;olk; mùkjnkf;ro ¼mÙkj gk ;k uk es ns½ Ø-l- iz'u O;o;k; mrikn dezpkfj;ks 'ks;jèkkjdks ls ekuo i;kzoj.k lkoztfud lh,lvkj xzkgd mrikn mùkjnkf;ro dk LokLF; lcèkrk vksj lh,lvkj vfèkdkj uhfr lcèk ih1 ih2 ih3 ih4 ih5 ih6 ih7 ih8 ih9 1- D;k vkids ikl--- ds fy, gs gk gk gk gk gk gk gk gk gk 2- D;k uhfr dk fu/kkzj.k lc) 'ks;j/kkjdks gk gk gk gk gk gk gk gk gk ds ijke'kz ls fd;k x;k gs \ 3- D;k uhfr fdlh gk gk gk gk gk gk gk gk gk ekudks dks iwjk djrh gs \ ;fn gk rks o.kzu djs ¼50 'kcnks es½ \ 4- D;k uhfr cksmz }kjk LohÑr gs\ ;fn gk gk gk gk gk gk gk gk gk gk rks D;k,e cksmz funs'kd }kjk glrk{kfjr gs \ 5- D;k uhfr ds dk;kzuo;u ds fy;s diuh gk gk gk gk gk gk gk gk gk es fof'k"v vf/kdkjh dh lfefr gs \ 6- D;k uhfr v u ykbu ns[kus ds fy, gk gk gk gk gk gk gk gk gk fyd gs \ 7- D;k uhfr ds ckjs es lelr lcf/kr gk gk gk gk gk gk gk gk gk vkrfjd vksj cká 'ks;j/kkjdks dks vksipkfjd :i ls lwfpr dj fn;k gs \ 8- D;k dks ykxw djus ds fy, gk gk gk gk gk gk gk gk gk diuh es vkrfjd <+kpk miyc/k gs \ 9- D;k diuh es ds 'ks;j/kkjdks gk gk gk gk gk gk gk gk gk dks uhfr ls lcf/kr f'kdk;r gksus ij f'kdk;rks ds lek/kku dk rjhdk miyc/k gs \ 10- D;k diuh uhfr ls lcf/kr ugh ugh ugh ugh ugh ugh ugh ugh ugh Lor= vkrfjd ;k cká,tsulh ls djk, gs \ * uhfr dkikszjsv dk;z e=ky; }kjk jk"vªh; okwyuvjh fn'kkfunsz'kks ds vuqlkj gsa 2- ;fn Øe l- 01 ds fdlh fl)kr dk mùkj ugh es gs rks Li"V djs] fd,slk D;ks gs\ ¼vf/kdre 2 fodyiks ij lgh dk fu'kku yxk,½ Ø-l- iz'u ih1 ih2 ih3 ih4 ih5 ih6 ih7 ih8 ih9 1- diuh fl)krks dks ugh le>h gs 2- diuh ml Lrj ij ugh gs] tgk fu/kkzfjr fl)krks ds vuqlkj uhfr;ks dks fu:fir o ykxw dj lds 3- diuh ds ikl bl dk;z ds fy, foùkh; llk/ku vfkok tu cy miyc/k ugh gsa 4- vxys 6 eghuks es,slk djus dh ;kstuk gs 5- vxys,d o"kz es,slk djus dh ;kstuk gs 6- dksbz vu; dkj.k ¼Ñi;k Li"V djs½ 83

86 Section D: BR Informtion 1. Detils of Director/Directors responsible for BR ) Detils of the Director/Directors responsible for implementtion of the BR policy/policies Sr No. Prticulrs Detils 1. DIN No Nme Ms Ush Annthsubrmnin 3. Designtion Executive Director b) Detils of the BR Hed Sr No. Prticulrs Detils 1. DIN Number Not Applicble 2. Nme Shri Joginder Bjj 3. Designtion Generl Mnger, Mngement Advisory, Services Division 4. Telephone number e-milid 2. Principle-wise (s per NVGs) BR Policy/policies (Reply in Y/N) S.No Questions Business Product Wellbeing of Stkeholder Humn Environment Public CSR Customer Ethics Responsibility Employees Enggement & CSR Rights Policy Reltions P1 P2 P3 P4 P5 P6 P7 P8 P9 1. Do you hve policy/policies for...? Y Y Y Y Y Y Y Y Y 2. Hs the policy being formulted in Y Y Y Y Y Y Y Y Y consulttion with the relevnt stkeholders? 3. Does the policy conform to ny Y Y Y Y Y Y Y Y Y ntionl /interntionl stndrds? If yes, specify?(50 words)* 4. Hs the policy been pproved by the Y Y Y Y Y Y Y Y Y Bord? Is yes, hs it been signed by MD/owner/CEO/pproprite Bord Director? 5. Does the compny hve specified Y Y Y Y Y Y Y Y Y committee of the Bord/ Director/ Officil to oversee the implementtion of the policy? 6. Indicte the link for the policy to be viewed online? 7. Hs the policy been formlly Y Y Y Y Y Y Y Y Y communicted to ll relevnt internl nd externl stkeholders? Y Y Y Y Y Y Y Y Y 8. Does the compny hve in-house Y Y Y Y Y Y Y Y Y structure to implement the policy/ policies? 9. Does the Compny hve grievnce Y Y Y Y Y Y Y Y Y redressl mechnism relted to the policy/policies to ddress stkeholders' grievnces relted to the policy/policies? 10. Hs the compny crried out N N N N N N N N N independent udit/evlution of the working of this policy by n internl or externl gency? * The policy is in conformity with the Ntionl Voluntry Guidelines brought out by the Ministry of Corporte Affirs. 2. If nswer to S.No. 1 ginst ny principle, is 'No', plese explin why: (Tick up to 2 options) S.No. Questions P1 P2 P3 P4 P5 P6 P7 P8 P9 1. The compny hs not understood the Principles 2. The compny is not t stge where it finds itself in position to formulte nd implement the policies on specified principles 3. The compny does not hve finncil or mnpower resources vilble for the tsk 4. It is plnned to be done within next 6 months 5. It is plnned to be done within the next 1 yer 6. Any other reson (plese specify) 84

87 3- ch vkj ls lcf/kr vfhk'kklu og vko`fùk crk,] ftles cksmz ds funs'kdks] cksmz dh lfefr;ks ;k lhbzvks diuh ds ch-vkj- çn'kzu dk ewy;kdu djrs gsa 3 eghus es] 3 ls 6 eghus es] okf"kzd],d o"kz ls vfèkd le; es\ ;g çfke o"kz gksus ds dkj.k] cksmz ds funs'kdks dh,d csbd vk;ksftr dh xbz ftles uhfr ij fopkj fd;k x;k,o bls LohÑr fd;k x;ka D;k diuh chvkj vfkok flfkjrk ¼lLVsufCyVh½ fjiksvz dk çdk'ku djrh gs \ D;k ;g ns[kus ds fy, dksbz fyd gs \ csd chvkj fjiksvz çdkf'kr djrk gs vksj mldks ij ns[kk tk ldrk gsa Hkkx ³ % fl)krokj dk;zfu"iknu fl)kr&1% O;olk; usfrdrk] ikjnf'kzrk,o tokcnsgh ds lkfk lpkfyr,o 'kkflr gksuk pkfg,a 1- D;k uhfr]?kwl o Hkz"Vkpkj ls lcf/kr uhfr dsoy diuh dks doj djrh gs \ D;k bles Hkh 'kkfey gs \ csd dkikszjsv vfhk'kklu dks vpns ç'kklu dk vfhkuu vx ekurk gsa csd es mùkjnkf;ro dh uhfr ykxw gs ftles usfrdrk]?kwl] Hkz"Vkpkj o lcf/kr ekeys vkrs gsa çfke o"kz gksus ds dkj.k uhfr orzeku es csd ij ykxw gs] fqj Hkh Øfed :i ls bldk çlkj vuq"kfx;ks rd dj fn;k tk,xk A 2- finys foùkh; o"kz fdrus 'ks;j/kkjdks ls f'kdk;r çkir gqbz o çcèku ds lek/kku ls os fdrus çfr'kr lrq"v Fks \ ;fn,slk gs rks muds ckjs es yxhkx 50 'kcnks es C;ksjk ns \ pkyw o"kz es f'kdk;rs 'ks;j/kkjdks ls çkir gqbz FkhA bues ls f'kdk;rks dk lek/kku fd;k tk pqdk gsa fl)kr&2% O;olk; dks,slh mrikn,o lsok, çnku djuh pkfg, tks lqjf{kr gs rfkk muds leiw.kz thou pø es fujrrk nsrh gsa 1- vius mriknks o lsokvks dh 3 rd lwph cuk, ftues lkekftd ;k i;kzoj.k ls lcf/kr fo"k;] tksf[ke volj 'kkfey gksa lsok {ks= gksus ds ukrs csd [krjukd çñfr okys mriknks dk O;kikj ugh djrk gsa fqj Hkh dqn,sls foùkhs; mrikn gs tks lekt ds vfr finm+ s oxz ls ljksdkj j[krs gsa 1- ck;ksesfvªd LekVZ dkmz % ;s vf'kf{kr O;fDr dks vius csd [kkrs ls /ku fudkyus es enn djrs gsa fllve muds fqxj fçuv ds vk/kkj ij mudh igpku djrk gsa 2 ih,uch dy;k.kh dkmz % ;s xzkeh.k {ks= dh efgykvks dks mudh lkeku; vko';drkvks vksj muds mrfkku ds fy;s fn;k tkrk gsa 3- ih,uch Ñ"kd lkfkh % ;g fdlkuks ds fy, _.k ;kstuk gs tks mugs egktuks ds pxqy ls eqä djkrh gsa 4 buvjusv csfdx % blds ek/;e ls xzkgd iwjs fo'o es dgh ls Hkh vius cs d [kkrs es ifjpkyu dj ldrk gsa ;g isijysl gs vksj blfy, i;kzoj.k fe= fmyhojh dk psuy gsa 3. Governnce relted to BR Indicte the frequency with which the Bord of Directors, Committee of the Bord or CEO to ssess the BR performnce of the Compny. Within 3 months, 3-6 months, Annully, More thn 1 yer. This being the first yer, there ws one meeting of the Bord of Directors t which the policy ws considered nd pproved. Does the Compny publish BR or Sustinbility Report? Wht is the hyperlink for viewing this? The Bnk publishes the BR report nd the hyperlink for viewing this is Section E: Principle-wise performnce Principle 1: Businesses should conduct nd govern themselves with Ethics, Trnsprency nd Accountbility 1. Does the policy relting to ethics, bribery nd corruption cover only the compny? Yes/ No. Does it extend to the Group/Joint Ventures/ Suppliers/Contrctors/NGOs /Others? The Bnk considers Corporte Governnce s n integrl prt of good mngement. The Bnk hs n ccountbility policy which covers ethics, bribery, corruption nd relted issues. This being the first yer the policy is presently pplicble to the Bnk. However it will be grdully extended to cover subsidiries. 2. How mny stkeholder complints hve been received in the pst finncil yer nd wht percentge ws stisfctorily resolved by the mngement? If so, provide detils thereof, in bout 50 words or so complints were received from stkeholders during the current yer. Out of these complints hve been resolved. Principle 2: Businesses should provide goods nd services tht re sfe nd contribute to sustinbility throughout their life cycle 1. List up to 3 of your products or services whose design hs incorported socil or environmentl concerns, risks nd/or opportunities. Being service orgniztion, the Bnk does not del with products which re hzrdous in nture. However there re certin finncil products which hve relevnce for the mrginlized sections of society: 1. Biometric Smrt Crds: They enble n illiterte to withdrw money from his Bnk ccount. The system identifies the individuls on the bsis of fingerprints. 2. PNB Klyni Crds: They re given to women in rurl res for their generl needs nd upliftment. 3. PNB Krishk Sthi: It is lon scheme for frmers to liberte them from indebtedness t the hnds of the moneylenders. 4. Internet bnking: It llows customers to ccess their Bnk ccounts from cross the world. It is pperless nd s such n eco-friendly chnnel of delivery. 85

88 2-,sls çr;ssd mrikn ds fy, mrikn dh çr;sd ;wfuv ij ¼oSdfYid½ llk/kuks ds ç;ksx ls lcf/kr fueu C;kSjk ns ¼ÅtkZ] ty] dppk eky br;kfn½ \ i½ finys o"kz dh liw.kz osy;w psu es ds nksjku çkir deh \ ii½ finys o"kz ds nksjku mihkksäkvks }kjk ¼ÅtkZ] ty½ mi;ksx es çkir deh \ pw fd csd lsok, çnku djrk gs vr% ;g [km ykxw ugh gsa 3- D;k diuh ds ikl LFkk;h lksflzx ¼ifjogu lfgr½ ds fy;s fdlh çdkj dh çfø;k gsa ;fn gk rks vkids fdrus çfr'kr buiqv lkslz LFkk;h Fks \ Ñi;k budk Hkh C;kSsjk yxhkx 50 'kcnks es ns\ csd i;kzoj.k lqjf{kr j[kus es fo'okl j[krk gsa bl fn'kk es igyk dne csd dh 'kk[kk Hkh[kk,th dkek Iysl] ubz fnyyh es xzhu y ch cukdj mbk;k x;ka y ch es yxkbz xbz ds'k fmiksftv e'khu] ikl cqd vims'ku e'khu vksj psd fmikftv e'khu] lhkh lksj ÅtkZ lpkfyr gsa csd viuh e'khuks ds fy;s lksj ÅtkZ ds ç;ksx dks c<+kok nsus ds fy;s vksj vf/kd dkjzokbz djsxka 4- D;k diuh us vius dk;z LFky ds fudvorhz leqnk;ks lfgr LFkkuh; o NksVs m fe;ks ls olrq, vksj lsok, çkir djus ds fy;s dksbz dne mbk;k gs \ ;fn gk rks LFkkuh; o NksVs osmjks dh {kerk o ;ksx;rk c<+kus gsrq dksu ls dne mbk, x, \ csd iwjs Hkkjr es viuh 'kk[kkvks ds ek/;e ls lsok, çnku djrk gs vksj bl çdkj viuh 'kk[kkvks ds lsok {ks= ds Hkhrj vkus okys fofhkuu oxksz ds leqnk;ks dh lsok dj jgk gsa vius O;olk; dh çñfr dks ns[krs gq, LFkkuh; osmjks ls lksflzx ds cgqr de volj gsa fqj Hkh csd vius,e,l,ebz m/kkjdrkzvks dks lw{e m eks ls dppk eky çkir djus ds fy;s çksrlkfgr dj jgk gsa 5- D;k deiuh ds ikl mrikn vksj O;FkZ inkfkksz dh iqu% ljpuk djus ¼jh&lkbfdy½ dh miyc/k gs\ vxj gk rks mriknks vksj O;FkZ inkfkksz dh iw.kz ljpuk dk çfr'kr fdruk gsa ¼vyx ls <5%] 5&10%] >10%½A 50 ;k mlls vf/kd 'kcnks es folr`r tkudkjh çnku djs \ csd dh viuh,d bz&oslv fmliksty uhfr gsa iqjkus dei;wvjks] lozjks] e fuvjks] fçvjks] QSDl e'khuks],vh,e] ;wih,l vkfn ds fuivku ds fy;s bz&oslv dks vuqeksfnr fd;k x;k gsa 'kk[kk, vksj ç'kklfud dk;kzy; vius gkmzos;j dk fuivku djus ds fy, bugh Mhyjks dh ysrs gsa iqjkus fjdkmz ftudh dksbz mi;ksfxrk ugh gs rfkk ftudh igpku u"v djus ds fy;s dj yh xbz gs] dk fuivku dkxt dks jh&lkbfdy djus okyh vuqeksfnr,tsfl;ks dks csp dj dh tkrh gs A fl)kr 3% O;olk; ls lelr dezpkfj;ks ds dy;k.k dks çksrlkgu feyuk pkfg,a 1- Ñi;k dezpkfj;ks dh dqy l[;k bfxr djs \ 31 ekpz] 2013 dks dezpkfj;ks dks dqy l[;k gsa 2- Ñi;k vk/kkj ij fy, x, dezpkfj;ks dh dqy l[;k crk, \ csd us dksbz Hkh dezpkjh vlfkk;h :i ij ;k vkdfled :i es ugh fy;k gsa 2. For ech such product, provide the following detils in respect of resource use (energy, wter, rw mteril etc.) per unit of product (optionl): i. Reduction during sourcing/production/ distribution chieved since the previous yer throughout the vlue chin? ii. Reduction during usge by consumers (energy, wter) hs been chieved since the previous yer? As the Bnk dels in services, this section is not pplicble. 3. Does the compny hve procedures in plce for sustinble sourcing (including trnsporttion)? If yes, wht percentge of your inputs ws sourced sustinbly? Also, provide detils thereof, in bout 50 words or so. The Bnk believes in protecting the environment. The first step in this direction hs been tken by setting up Green Lobby t our brnch t Bhikhiji Cm Plce, New Delhi. The Csh Deposit Mchine, Pssbook Updtion Mchine nd Cheque Deposit Mchine instlled in the lobby re ll powered by solr energy. Bnk will be tking further ction to increse the use of solr energy for powering its mchines. 4. Hs the compny tken ny steps to procure goods nd services from locl & smll producers, including communities surrounding their plce of work? If yes, wht steps hve been tken to improve their cpcity nd cpbility of locl nd smll vendors? The Bnk provides services t its brnches cross Indi nd thus serves the vrious communities tht fll within the service re of its brnches. Given the nture of its business, there is little scope for sourcing from locl vendors. However, the Bnk does encourge its MSME borrowers to source the bulk of their inputs from micro enterprises. 5. Does the compny hve mechnism to recycle products nd wste? If yes wht is the percentge of recycling of products nd wste (seprtely s <5%, 5-10%, >10%). Also, provide detils thereof, in bout 50 words or so. The Bnk hs n e-wste disposl policy. E-wste delers/ recyclers hve been pproved for disposing of old nd obsolete computers, servers, monitors, printers, fx mchines, ATMs, UPSs, etc. The brnches nd dministrtive offices re disposing of their hrdwre using the services of these delers. Old records tht hve outlived their utility nd re ermrked for destruction re disposed by sles to pproved gencies tht recycle the pper. Principle 3: Businesses should promote the wellbeing of ll employees 1. Plese indicte the totl number of employees. The totl number of employees s on 31st Mrch 2013 is Plese indicte the totl number of employees hired on temporry/contrctul/csul bsis. The Bnk does not hire employees on temporry/contrctul/csul bsis. 86

89 s 3- Ñi;k LFkk;h efgyk dezpkfj;ks dh l[;k bfxr djs \ 31 ekpz] 2013 rd dqy LFkk;h efgyk dezpkfj;ks dh l[;k gsa 4- Ñi;k 'kkjhfjd :i ls fodykx LFkk;h dezpkfj;ks dh l[;k bfxr djs \ 31 ekpz] 2013 rd 'kkjhfjd :i ls fodykx LFkk;h dezpkfj;ks dh l[;k 919 gsa 5- D;k vkids ;gk çc/ku ls eku;rk çkir dezpkjh l?k gs \ dksbz Hkh dezpkjh l?k csd }kjk eku;rk çkir ugh gs] gkykfd fueu nks cgql[;d dezpkfj;ks vksj vkfqljks dk çfrfuf/kro djrh gsa vf[ky Hkkjrh; ih,uch dezpkjh QSMjs'ku vf[ky Hkkjrh; ih,uch vf/kdkjh,lksfl,'ku 6- fdrus çfr'kr dezpkjh bl eku;rk çkir dezpkjh l?k ds lnl; gs \ yxhkx 76% ih,uch dezpkjh bl dezpkjh l?k ds lnl; gsa 7- Ñi;k cky etnwj] etcwj etnwj] vusfpnd etnwj] ;ksu çrkm+uk ls lcf/kr finyh foùk o"kz es fopkjkèkhu f'kdk;rks dh l[;k rfkk bl foùk o"kz dh lekfir rd dksbz f'kdk;r yfecr gs rks bfxr djs \ Ø-l- oxz foùk o"kz es foùk o"kz dh lekfir nk;j dh xbz f'kdk;rks dh l[;k ij fopkjk/khu f'kdk;rks dh l[;k 1- cky dksbz ugh dksbz ugh etnwj 2- ;ksu mrihm+u 2 dkjzokbz dh xbz gs A 3- HksnHkko ijd jkstxkj dksbz ugh dksbz ugh 8- vkids }kjk fueufyf[kr fdrus çfr'kr dezpkfj;ks dks lqj{kk vksj dks'ky vixzsms'ku dk çf'k{k.k finys o"kz fn;k x;k \ d LFkk;h dezpkjh % 95% [k LFkk;h efgyk dezpkjh % 11-5% x dezpkjh % dksbz ugh?k 'kkjhfjd :i ls fodykx dezpkjh % 0-56% o"kz 2012&13 ds nksjku,d n{krk çf'k{k.k dk;zøe ^es ih,u ch gw ^ ls vf/kdrj lhkh dezpkfj;ks dks çf'kf{kr fd;k x;k A fl)kr 4 % O;olk; dks lhkh fgr/kkjdks fo'ks"kdj tks ofpr detksj vksj çhkkoghu gs muds fgrks dk leeku djuk pkfg, vksj muds çfr mùkjnk;h gksuk pkfg,a 1- D;k deiuh us vius vkrfjd vksj cká dh :i&js[kk rs;kj dh gs \ gk 'ks;j/kkjdks dks fofhkuu oxksz es ckvk x;k gs] tslk fd ljdkjh] fons'kh llfkkxr fuos'kdrkz] foùkh; llfkku] chek deiuh] E;wpqvy Q.M] csd o O;fäxr llfkkua xzkgdks dks cm+ dkiks ZjsV] fem dkiks ZjsV] NksVs vksj e/;e bvjçkbzt vksj [kqnjk xzkgdks ds :i es ckvk x;k gsa lefizr 'kk[kk, bu lhkh oxksz dks lsok çnku djrh gsa [kqnjk xzkgdks dks vkxs çeq[k xzkgd vksj vu; xzkgdks ds :i es fohkkftr fd;k tkrk gsa csd dezpkfj;ks ds fgrks dks ekuo llk/ku fodkl fohkkx ns[krk gsa 3. Plese indicte the Number of permnent women employees. The totl number of permnent women employees s on 31 st Mrch 2013 is Plese indicte the Number of permnent employees with disbilities The Number of permnent employees with disbilities s on 31st Mrch 2013 is Do you hve n employee ssocition tht is recognized by mngement? No employee ssocition hs been recognized by the Bnk. However the following two mjority Unions/Associtions represent the workmen/officers stff. All Indi PNB Employee Federtion. All Indi PNB Officers Assocition. 6. Wht percentge of your permnent employees is members of this recognized employee ssocition? Nerly 76% of PNB's employees re members of employee ssocitions. 7. Plese indicte the Number of complints relting to child lbour, forced lbour, involuntry lbour, sexul hrssment in the lst finncil yer nd pending, s on the end of the finncil yer. S.No. Ctegory No of Complints No of Complints filed during the pending s on end finncil yer of the finncil yer 1. Child lbour/forced Nil Nil lbour /involuntry lbour 2. Sexul hrssment 2 Action hs been tken 3. Discrimintory employment Nil Nil 8. Wht percentge of your under mentioned employees were given sfety & skill up-grdtion trining in the lst yer? A. Permnent Employees : 95% B. Permnent Women Employees: 11.5% C. Csul/Temporry/Contrctul Employees: NA D. Employees with Disbilities: 0.56% A soft skills trining progrmme, 'I m PNB', hs reched out to lmost ll employees during the yer Principle 4: Businesses should respect the interests of, nd be responsive towrds ll stkeholders, especilly those who re disdvntged, vulnerble nd mrginlized. 1. Hs the compny mpped its internl nd externl stkeholders? Yes Shreholders re divided into different subsets, viz., Government, Foreign Institutionl Investors, Finncil Institutions, Insurnce Compnies, Mutul Funds, Bnks nd Individuls. Customers re segmented into lrge corporte, mid-corporte, smll nd medium enterprises nd retil customers. Dedicted brnches provide service to these segments. Retil customers re further segmented into premier customers nd other customers. The HR division looks fter the interests of the Bnk employees. 87

90 csd ftl txg lpkyu dj jgk gs ogk lh,lvkj ds usr`ro dk ykhk igq~pkuka 2- bu lhkh ds vfrfjä D;k] deiuh us ofprks] vlqjf{krks vksj vf/kdkj jfgr fgllsnkjks dh igpku dj yh gs \ csd us ofprks] vlqjf{krks vksj vf/kdkjjfgr fgllsnkjks dh igpku dj yh gsa mles ls dqn NksVs vksj lhekr Ñ"kd gs] dqn fdjk;s ds vksj eksf[kd iês okys Ñ"kd gs] Hkwfeghu etnwj gs] bu lhkh dks fos'ks"k _.k Ldhe ds vrzxr _.k fn;s x;s gs tsls fdlku ØsfMV dkmz] lkeku; ØsfMV dkmz] ih,uch dy;k.kh dkmz ¼xzkeh.k efgykvks ds thou Lrj dks Åpk mbkus ds fy,½] ih,uch rrdky Ldhe ¼NksVs fdlkuks dks t:jr ds le; rqjur _.k miyc/k djkuk½ vksj ih,uch Ñ"kd lkfkh Ldhe ¼lkgwdkjks ds pq~xy ls fdlkuks dks vktkn djokuk½a 3- D;k dksbz fo'ks"k dne ofprks] vlqjf{krks vksj vf/kdkjjfgr fgllsnkjks dks opuc) djus ds fy, mbk, x, gs] vxj gk rks Ñi;k 50 'kcnks es folr`r tkudkjh ns\ csd dkjksckjh çfrfuf/k;ks ds ek/;e ls foùkh; lsokvks ls ofpr yksxks rd igqp cuk jgk gs vksj bu rcdks ds fy, izks ksfxdh fodflr dh gsa csd us izks ksfxdh lsok çnkrk ls tqm+ dj xzkgdks ds ck;ksesfvªd ¼fQxj fçv½ dks çkir dj dkjksckjh çfrfuf/k;ks ds ek/;e ls Hkqxrku dh lsok?kj ij gh miyc/k djk ldsa csd foùkh; lekos'ku {kerkvks dk yxkrkj muu;u dj jgk gsa gky gh es csd us nwjlfk xzkeh.k bykdks es fd;ksld csfdx l Y;w'ku vkjhk fd;k gs] ftlds }kjk csd jfgr {ks=ks es de [kpz ij v u ykbzu csfdx lsok, miyc/k djkbz tk ldsa csd Hkkjr ljdkj dh Lokoycu ;kstuk dks fø;kfuor djus es dne mbk jgh gs ftldk mís'; vlxfbr {ks=ks dks lw{e is 'ku miyc/k djkuk gsa ;kstuk dks fø;kfuor djus ds fy, 61 emyks ds vrxzr 5200 'kk[kk, igys ls gh dk;z djus ds fy, ithñr gs rfkk 2000 ls vf/kd ykhkxzkgh ukekfdr gsa vkj,lbzvhvkbz,l xjhc xzkeh.kks dks fo'ks"kdj efgykvks dks O;kolkf;d çf'k{k.k miyc/k djk jgk gsa foùkh; lk{kjrk dk lq/kkj % vius xzkgdks dks folr`r foùkh; lykg miyc/k djkus ds fy, csd }kjk foùkh; lk{kjrk vksj _.k ijke'kz dsuæ dh LFkkiuk dh xbz gsa fl)kr 5% O;olk; dks ekuokf/kdkj dks çksrlksfgr,o leekfur djuk pkfg,a 1- D;k deiuh dh ekuokf/kdkj dh uhfr dsoy deiuh dks doj djrh gs ;k bldk folrkj miøeks rd Hkh gs\ csd dh dksbz dffkr ekuokf/kdkj uhfr ugh gsa gkykfd] ;g lc ekeys ekuo llk/ku uhfr;ks vksj csfdx çfkkvks ds vrxzr vkrs gsa 2- finyh foùkh; o"kz es fdrus fgllsnkjks dh f'kdk;rs ikbz xbz vksj çc/ku }kjk fdrus çfr'kr dk lrks"ktud lek/kku fd;k x;k \ lk>snkjks dh dqy f'kdk;rs finys foùkh; o"kz es çkir dh xbz ftles ls 'ks;j/kkjdks dh f'kdk;r 122] dezpkfj;ks dh 766 vksj xzkgdks dh f'kdk;rs çkir gqbz FkhA mues ls 99% ls vf/kd f'kdk;rks dk lek/kku fd;k tk pqdk gsa CSR inititives rech out to communities in which the Bnk opertes. 2. Out of the bove, hs the compny identified the disdvntged, vulnerble & mrginlized stkeholders? The Bnk hs identified the disdvntged, vulnerble nd mrginlized stkeholders. Some of these re the Smll nd Mrginl Frmers, Tennt Frmers nd Orl- Lessee Frmers, Lndless Lbourers nd rurl women, ll of whom re provided credit under specil credit schemes such s Kisn Credit Crd, Generl Credit Crd, PNB Klyni Crd (for the upliftment of rurl women), PNB Ttkl scheme (for the smll frmer in need of immedite credit) nd PNB Krishk Sthi Scheme (with the objective of liberting frmers from the clutches of rurl moneylenders). 3. Are there ny specil inititives tken by the compny to engge with the disdvntged, vulnerble nd mrginlized stkeholders. If so, provide detils thereof, in bout 50 words or so. The Bnk reches out to the finncilly excluded through its Business Correspondents nd hs developed technology for these segments. The Bnk hs tied up with technology service providers to cpture the Bio-metrics (fingerprints) of these customers enbling them mke withdrwls t their doorstep on visit by the BCs. The Bnk is lso continully upgrding its Finncil Inclusion cpbilities. Recently Kiosk Bnking Solution hs been put in plce in remote villges to mke on-line bnking services vilble t ffordble costs to the underprivileged. The Bnk is tking steps to implement the Swvlmbn Scheme of the Government of Indi, which ims to provide micro pension to the unorgnized sector brnches under 61 circles hve lredy been registered for implementtion of the scheme nd more thn 2000 beneficiries hve been enrolled. RSETIs provide voctionl trining to poor villgers, prticulrly women. Improving Finncil Litercy: The Finncil Litercy nd Credit Counseling Centres (FLCCs) estblished by the Bnk, provide wide rnge of finncil counseling to its customers. Principle 5: Businesses should respect nd promote humn rights 1. Does the policy of the compny on humn rights cover only the compny or extend to the Group/Joint Ventures/Suppliers/Contrctors/NGOs/Others? The Bnk does not hve stted Humn Rights Policy. However these spects re covered under the Humn Resource policies nd prctices of the Bnk. 2. How mny stkeholder complints hve been received in the pst finncil yer nd wht percent ws stisfctorily resolved by the mngement? The totl number of stkeholder complints received during the yer ws out of which the Shreholders complints were 122, employee complints were 766 nd customer complints were More thn 99% of these complints were resolved. 88

91 fl)kr 6% O;olk; dks i;kzoj.k dks iqu% LFkkfir djus ds fy, leeku] lj{k.k,o ç;kl djuk pkfg,a 1- D;k fl)kr 6 ls lcf/kr uhfr rfkk deiuh dks gh doj djrh gs ;k bldk folrkj l;qdr miøeks rd Hkh gsa csd dh,d ^*gfjr igy^* uhfr gs] ftles NksVs fur; dk;ks Z dh lwph gs ftugs i;kzoj.k ds lkfk leuo; ds fglkc ls dk;z djus ds fy, fy;k tk ldrk gsa 2- D;k deiuh ds ikl HkkSxksfyd i;kzoj.k eqís] tsls okrkj.k ifjorzu] Xykscy okfezx vkfn ds fy, dksbz uhfr gs ;k bl ij dksbz igy dh xbz gsa A ;fn gk rks osc ist dh gkbijfyd miyc/k djk, \ csd i;kzoj.k lc/kh eqís ds ckjs es osf'od fprkvks ls ljksdkj j[krk gs vksj ;g fofhkuu lh,lvkj igy es çfrfcfecr gksrk gsa csd bl fn'kk es dqn igy dj jgk gs tsls ou egksrlo] o`{kkjksi.k dsei] jklrks ds fdukjs o`{k yxkuk] fofhkuu 'kgjks es VªSfQd ldzyks dks gjk&hkjk djuk vksj fjgk;'kh bykdks es ikdksz dh ns[khkky djuk vkfna dkikszjsv lkekftd nkf;ro fjiksvz es mbk, x;s dqn dne ns[ks tk ldrs gs A ftldh gkbijfyd gs En/ui/SocilBnking.spx 3- D;k deiuh i;kzoj.k lehkkfor fu/kkzfjr tksf[keks dh igpku vksj ewy;kdu djrh gs \ orzeku es ;g ugh fd;k tk jgk gsa gkykfd] csd vius lpkyu okys bykdks es dkczu dh ek=k dks?kvkus ds fy, opuc) gsa 4- D;k Dyhu MoyiesV esdsfut+e ls lcf/kr dksbz ifj;kstuk csd ds ikl gsa vxj gk rks 50 'kcnks es folr`r tkudkjh miyc/k djk,a vksj vxj gk rks D;k okrkoj.k vuqikyu fjiksvz Hkjh xbz gsa csfdx O;kikj es nh xbz çñfr ds vuqlkj] csd ds ikl dksbz Dyhu Moyies V esdsfut+e ifj;kstuk ugh gsa 5- D;k deiuh us LoPN çks ksfxdh] ÅtkZ dk;zdq'kyrk] v{k; ÅtkZ] vkfn ds lc/k es dksbz vu; igy dh gsa A vxj gk] rks Ñi;k osc ist dk gkbijfyd miyc/k djk,a csd fj;k;rh lksj ÅtkZ vksj iou ÅtkZ ifj;kstukvks dks njks ij foùkh; lgk;rk çnku djrs gq, v{k; ÅtkZ ifj;kstukvks dks çksrlkfgr dj jgs gs A csd vius Hkouks es o"kkz ty lp;u dh lhkkoukvks dks ryk'k jgk gsa csd us ÅtkZ cpkus okys midj.kks dks vius dqn dk;kzy; Hkouks es yxk;k gsa lhkh dk;kzy;ks dh fo qr ys[kkijh{kk ds ifj.kker% ykxr ykhkks ds lkfk csgrj dk;z gks jgk gsa gekjs v/;{k,o çc/k funs'kd us csd dh vksj ls Þgfjr igyß ¼u,,o v{k; ÅtkZ e=ky; dh igy½ ij glrk{kj fd;s gsa csd us llk/kuks vksj ÅtkZ dh cckznh dks de djus ds fy, dne mbk, gsa çc/k ys[kk ijh{kk,o leh{kk çhkkx ¼ç-dk-½ gfjr igy ij csd ds ç'kklfud dk;kzy;ks dh tksf[ke vkèkkfjr ys[kkijh{kk djrk gsa 6- D;k fjiksvz fd;s tk jgs foùkh; o"kz ds fy;s diuh }kjk tfur fd;s tk jgs }kjk vuqer lhek ds Hkhrj gs \ foùkh; llfkku gksus ds dkj.k csd dks vius ifjpkyuks ds fy;s lhihlhch ls i;kzoj.k lc/kh vuqefr ysus dh vko';drk Principle 6: Business should respect, protect, nd mke efforts to restore the environment 1. Does the policy relted to Principle 6 cover only the compny or extends to the Group/Joint Ventures/Suppliers/Contrctors/ NGOs/others. The Bnk hs "Green inititives" policy, which lists series of smll routine ctions tht cn be tken to work in hrmony with the environment. 2. Does the compny hve strtegies/ inititives to ddress globl environmentl issues such s climte chnge, globl wrming, etc? Y/N. If yes, plese give hyperlink for webpge etc. The Bnk shres the globl concern bout environmentl issues nd this is reflected in mny of the CSR inititives it hs tken. The Vn Mhotsv, tree plnttion cmps, plnttion long rod sides, greening of trffic circles in different cities nd mintennce of prks in residentil res re some of the inititives the Bnk hs tken in this direction. Some of the other inititives cn be found in the Corporte Socil Responsibility Report, the Hyperlink for which is 3. Does the compny identify nd ssess potentil environmentl risks? Y/N Presently this is not being done. However, the Bnk is committed to reducing its crbon footprint t its plces of opertion. 4. Does the compny hve ny project relted to Clen Development Mechnism? If so, provide detils thereof, in bout 50 words or so. Also, if Yes, whether ny environmentl complince report is filed? Given the nture of the Bnk's business, the Bnk does not hve Clen Development Mechnism project. 5. Hs the compny undertken ny other inititives on - clen technology, energy efficiency, renewble energy, etc. Y/N. If yes, plese give hyperlink for web pge etc. Bnk promotes renewble energy projects by extending finnce to solr nd wind energy projects t concessionl rte. Bnk is exploring scope for rin wter hrvesting in its existing/new buildings. Bnk hs instlled energy efficient equipments in some of its office buildings. Electricity udit of ll offices hs resulted in efficient functioning with cost benefits. Our CMD hs signed "Green Inititive" (n inititive of Ministry of New nd Renewble Energy) on behlf of the Bnk. Bnk hs tken steps to reduce wstge of resources nd energy. MARD (HO) conducts risk bsed mngement udit of the dministrtive offices of the Bnk on Green Inititives. 6. Are the Emissions/Wste generted by the compny within the permissible limits given by CPCB/SPCB for the finncil yer being reported? The Bnk being finncil institution is not required to seek environmentl clernce for its opertions from the 89

92 ugh gsa fqj Hkh] ç/kku dk;kzy;,o vu; dk;kzy;ks es Mhth lsv~l es 'kksj ds Lrj dh tkp fnyyh çnw"k.k fu;=.k lfefr }kjk dh tkrh gs rfkk ;s lhkh mfpr flfkfr es ik;s x, gsa 7- foùk o"kz dh lekfir rd ls çkir dkj.k uksfvlks dh l[;k tksfd vhkh Hkh yfecr gs ¼vFkkZr ftudk lrks"ktud gy ugh fudyk gs½ A dksbz ugh fl)kur 7% O;olk; tc lkoztfud,o fofu;ked uhfr dks çhkkfor djus es tqm+k gks rks,slk fteesnkj rjhds ls djuk pkfg,a 1- D;k vkidh deiuh fdlh VªsM,o psecj,lksfl,'ku dh lnl; gs\ ;fn gk rks dsoy mu eq[; llfkkvks ds uke of.kzr djs ftuds lkfk vkids O;olkf;d lc/k gks % csd fueu dk lnl; gs% v½ bfm;u csdl,lksfl,'ku ¼vkbZch,½ c½ QsMsjs'ku v Q bfum;u pseclz v Q dkelz,m bmlvªh ¼fQDdh½ l½ bvjus'kuy psecj v Q dkelz ¼vkbZlhlh½ n½ n,lksfl,vsm pseclz v Q dkelz,m bmlvªh v Q bfm;k ¼,lkspSe½ ;½ dkwuqsmjs'ku v Q bfm;u bmlvªh ¼lhvkbZvkbZ½ 2- D;k vkius dhkh mijksä lxbuks ds ek/;e ls tufgr ds muu;u vfkok lq/kkj ds fy, odkyr vfkok y fcx dh gs \ ;fn gk rks Ñi;k folr`r {ks=ks dks Li"V djs ¼Mªki c Dl % 'kklu vksj ç'kklu] vkffkzd lq/kkj] 'kkfey fodkl uhfr;k] ÅtkZ lqj{kk] ty] [kk lqj{kk] /kkj.kh; O;olk; uhfr;k,o vu; dksbz½ \ vkffkzd lq/kkjks ds {ks= es csd us mu uhfr;ks dk lefkzu fd;k gs tks lkekftd :i ls ykhkdkjh gksxha fl)kur 8% O;olk;ks dks lekos'kh folr`r o`f) vksj U;k;&lxr fodkl ds fy, lgk;rk djuk pkfg,a 1- D;k deiuh es flíkur 8 ls lcf/kr uhfr ds vuqlj.k es fof'k"v gs \ ;fn gk rks fooj.k ns% csd us foùkh; lekos'ku dks c<+kok nsus es lfø; Hkwfedk fuhkkbz gsa blus foùkh; lekos'ku ;kstuk&lokfhkeku ds vèkhu Hkkjr ljdkj ds }kjk vkofvr lhkh 4588 xk oks es bls ykxw dj fn;k gsa csd vius fctusl djli MsV,o rduhdh lsok çnkrk ds ek/;e ls csfdx lsokvks dks ofpr xzkgdks ds njokts rd ys tk jgk gsa csd dh 2232 xzkeh.k 'kk[kk, gs tks blds lsok {ks= ds ls Hkh vf/kd xkoks es dk;zjr gs A cs d viuh 'kk[kkvks ds ek/;e ls bu xk oks dh csfdx vko';drkvks dk /;ku j[k jgk gs rfkk muds fodkl es ;ksxnku ns jgk gsa csd us mu vlfeefyr oxks Z ds fy,] ftuds ikl csfdx lqfo/kk, ugh gs] yxhkx 90 yk[k csfld lsfoxl csd fmi ftv [kkrs [kksys gsa fdlku çf'k{k.k dsuæ ¼,QVhlh½% ;s çf'k{k.k dsuæ fdlkuks dks çf'k{k.k çnku djrs gsa vksj mugs Ñf"k ds {ks= es gq, uohure fodklks ds ckjs es tkx:d djrs gs,o i;kzoj.k ds lkfk mrikndrk dks c<+kus es lejlrk dk luns'k QSykrs gsa foùkh; o"kz 13 ds nksjku bu vkj,lbvhvkbzt us 967 çf'k{k.k dk;zøeks dk vk;kstu fd;k vksj CPCB. However, DG sets t Hed Office nd other offices re checked by the Delhi Pollution Control Committee to monitor noise levels nd these hve been found to be in order. 7. Number of show cuse/ legl notices received from CPCB/ SPCB which re pending (i.e. not resolved to stisfction) s on end of Finncil Yer. Nil Principle 7: Businesses, when engged in influencing public nd regultory policy, should do so in responsible mnner 1. Is your compny member of ny trde nd chmber or ssocition? If Yes, Nme only those mjor ones tht your business dels with: The Bnk is member of:. Indin Bnks Assocition (IBA) b. Federtion of Indin Chmbers of Commerce nd Industry (FICCI) c. Interntionl Chmber of Commerce (ICC) d. The Associted Chmbers of Commerce nd Industry of Indi (ASSOCHAM) e. Confedertion of Indin Industry (CII) 2. Hve you dvocted/lobbied through bove ssocitions for the dvncement or improvement of public good? Yes/No; if yes specify the brod res (drop box: Governnce nd Administrtion, Economic Reforms, Inclusive Development Policies, Energy security, Wter, Food Security, Sustinble Business Principles, Others). In the field of economic reforms, the Bnk hs dvocted policies tht would be socilly beneficil. Principle 8: Businesses should support inclusive growth nd equitble development 1. Does the compny hve specified progrmmes/inititives/ projects in pursuit of the policy relted to Principle 8? If yes detils thereof. The Bnk hs tken n ctive role to promote Finncil Inclusion. It hs covered ll the 4588 villges llotted to it by the Government of Indi under Swbhimn, the finncil inclusion pln. The Bnk through its Business Correspondents nd Technology Service Providers is bringing bnking services to the doorsteps of the underprivileged. The Bnk hs 2232 rurl brnches with more thn villges in the service re of its villges. The Bnk is looking fter the bnking needs of these villges through its brnches nd contributing to their development. The Bnk hs opened lmost 90 lc 'Bsic Svings Bnk Deposit Accounts', for excluded sections who did not hve ccess to bnking fcilities. Frmers Trining Centres (FTCs): These trining centres provide trining to frmers nd mke them wre of ltest developments in griculture nd spred the messge of improving productivity in hrmony with the environment. During FY13, these RSETIs conducted 967 trining progrmmes nd trined 90

93 30267 çf'k{k.kkffk;ks dks çf'kf{kr fd;ka bu çf'k{k.kkffk;ks es ls 49% chih,y Js.kh es FksA xzkeh.k Lojkstxkj çf'k{k.k llfkku ¼vkj,lbVhvkbZt½% orzeku es 44 xzkeh.k Lojkstxkj çf'k{k.k llfkku gsa ;s çf'k{k.k llfkku xzkeh.k efgykvks,o ;qokvks dks O;olkf;d f'k{kk çnku djrs gs,o mugs ykhknk;h jkstxkj çkir djus gsrq rs;kj djrs gsa foùkh; lk{kjrk dsuæ% orzeku es dqy 100 foùkh; lk{kjrk dsuæ ekstwn gs ftugksus foùkh; o"kz 13 ds nksjku fofhkuu dk;zøe vk;ksftr fd,] ftles çfrhkkfx;ks }kjk lghkkfxrk dh xbza mugs tekjkf'k;ks,o _.k mriknks dh vksj _.k lc/kh lykg çnku dh xbza csd ljdkj }kjk çk;ksftr fofhkuu dk;zøeks ds foùk iks"k.k es lfø; :i ls tqm+k gqvk gs] fo'ks"kdj ujsxk ¼,uvkjbZth,½ ifj;kstuk] lkekftd {ks= tsls f'k{kk] LokLF; vkfn dks vkffkzd enna ih,uch fodkl,d xzke vxhdj.k ;kstuk gsa bl ;kstuk ds rgr vc rd 120 xk oks dks xksn fy;k x;k gsa csd }kjk lqfo/kkfoghu yksxks dh flfkfr dks lq/kkjus ds fy, csd us dqn vu; igy dh gs ftues fueu lfeefyr gs% v½ ih,uch tufe= ;kstuk% bl ;kstuk ds rgr csd fjd'kk [khpus okyks dks _.k lqfo/kk miyc/k djkrk gsa c½ cqudj ifj;kstuk] okjk.klh% bl ;kstuk ds rgr csd cqudjks dks çksrlkfgr djrk gs,o mugs vkrefuhkzj gksus es enn djrk gsa 2- D;k dk vk;kstu vkrfjd Lo; lsoh vu; lxbu }kjk fd;k tkrk gs \ csd dh lh,lvkj ifj;kstukvks dk vk;kstu vkrfjd ny ds lkfk&lkfk xsj ljdkjh lxbuks vksj ljdkjh llfkkuks ds lkfk fey dj fd;k tkrk A ih,uch çsj.kk,slk gh,d ç;kl gs tks mpp dk;zikydks dh ifru;ks }kjk cukbz x;h llfkk ds :i es dke djrh gsa ;g fofhkuu xsj ljdkjh llfkkvks ds lg;ksx ls lh,lvkj xfrfofèk;ks dk vk;kstu djrh gsa 3- D;k vkius viuh dh xbz igy dk dhkh çhkkoh :i ls ewy;kdu fd;k gs \ csd ds }kjk vk;ksftr çf'k{k.k dk;zøeks dk çhkko mu {ks=ks es Li"V gs tgk mugs vk;ksftr fd;k tkrk gsa fdlkuks dks fn;k x;k çf'k{k.k,d O;ogkfjd ç;ksx gs,o muds }kjk fd, tkus okys Ñf"k dk;ksz dks çhkkfor djrk gsa cs d us viuh dh xbz igyks es ls,d dk çhkkoh ewy;kdu fd;k gsa fdlku çf'k{k.k ds æks }kjk lekt ij lkeku;,o m fe;ks ij fo'ks"k :i ls Mkys x, cnyko dk ewy;k du djus gsrq rhu fdlku çf'k{k.k dsuæks dk,d Rofjr çhkkoh ewy;kdu v/;;u fd;k x;k gs A ftu fdlkuks dk los Z fd;k x;k Fkk mudk dguk Fkk fd çf'k{k.k,o çkir Kku us mugs vius dk;z{ks= es uohu dks viukus es dkqh enn dha vu; çfrhkkfx;ks us dgk fd,qvhlh ds }kjk fn, x, çf'k{k.k çek.k&i= jkstxkj çkir djus es dkqh mi;ksxh lkfcr gq,a T;knkrj lghkkxh lger Fks fd çf'k{k.k us csd ds }kjk nh tkus okyh lqfo/kkvks ds ckjs es tkx:drk ykus es dkqh lgk;rk dh FkhA 4- vkidh deiuh dk leqnk; fodkl ifj;kstuk es çr;{k ;ksxnku D;k gs & jkf'k Hkkjrh; #i;ks es rfkk yh xbz ifj;kstuk dk folr`r fooj.k ns \ ih,uch fodkl,d xzke vxhdj.k ;kstuk gs ftldk mís'; xzke Lrj ij ekuo llk/ku ds fodkl] vkffkzd fodkl,o <kpkxr fodkl lfgr xk o dk,dhñr fodkl djuk gsa bl igy dk çhkko lkq&lqkbz] is; ty vkiwfrz] f'k{kk] fctyh,o LokLF; ij ns[kus dks feyrk gsa trinees. 49% of these trinees were in the BPL ctegory. Rurl Self Employment Trining Institutes (RSETIs): There re 44 RSETIs t present. These trining institutes provide voctionl trining to the rurl women nd youth nd prepre them for tking up ginful employment. Finncil Litercy Centres: There re presently 100 FLCs which hve conducted progrmmes ttended by individuls during FY-13. They hve given dvice on deposit nd credit products nd on debt relted issues. The Bnk hs been ctively ssocited with finncing of vrious Govt. sponsored progrmmes, especilly NREGA project, funding of socil sectors like eduction, helth, etc. PNB Viks is villge doption scheme. Under the scheme, 120 villges hve been dopted so fr. Some of the other inititives undertken by Bnk for improving the lot of the underprivileged include: ) PNB JANMITRA Project: Under this project the Bnk provides credit support to rickshw pullers. b) Wevers' Project, Vrnsi: Under this project, Bnk is encourging wevers nd helping them to become self relint. 2. Are the progrmmes/projects undertken through in-house tem/own foundtion/externl NGO/government structures/ ny other orgniztion? The Bnk's CSR projects re undertken through n internl tem s well s in prtnership with NGO's nd Government Institutions. PNB PRERNA is one such inititive in the form of n ssocition of the wives of the Top executives which undertkes CSR ctivities in ssocition with vrious Non Governmentl Orgniztions. 3. Hve you done ny impct ssessment of your inititive? The impct of the trining progrmmes conducted by the Bnk is evident in the res in which they re conducted. The trining extended to frmers is of prcticl use nd influences the wy they conduct griculturl opertions. Bnk hs crried out n impct ssessment of one of its inititives. A Quick Impct Evlution Study of three Frmers' Trining Centres (FTC's) hs been undertken to ssess the difference mde by the FTCs to the society in generl nd individuls nd entrepreneurs in prticulr. The frmers surveyed stted tht the trining nd knowledge dissemintion hd helped them in dopting new technologies/prctices in their fields. Other respondents stted tht the trining certifictes given by the FTCs were useful in securing employment. Most greed tht the trining hd helped to give them greter wreness of the fcilities offered by bnks. 4. Wht is your compny's direct contribution to community development projects-amount in INR nd the detils of the projects undertken? PNB VIKAS is villge doption scheme which ims t integrted development of the villge including development of humn resources, economic development nd infrstructure development t the villge level. The inititive hs hd n impct on snittion, drinking wter supply, eduction, electricity nd helth-cre. 91

94 leiw.kz jgu&lgu Lrj es lq/kkj gsrq dqn vu; xfrfof/k;k Hkh dh tk jgh gs tsls çks<+ f'k{kk dsuæks] iqlrdky;ks] fmlislfj;ks vkfn dk j[k&j[kko] gs M&iEiks dh LFkkiuk] lksj fctyh] 'kkspky;ks dk fuekz.k] cl 'ksyvj],o cppks ds ikdksz dk fodkl vkfna _.kks rd xzkeokfl;ks dh igq p es Hkh lq/kkj gqvk gsa 5- D;k vkius ;g lqfuf'pr djus ds fy, dqn dne mbk, gs fd leqnk; fodkl gsrq dh xbz igy dks lqyrkiwozd leqnk; }kjk viuk fy;k x;k gs\ Ñi;k 50 'kcnks es le>k, \ ih,uch fodkl ds rgr dh xbz igy tkjh gs] pkgs ;g xzkeh.kks ds fy,,d NksVs ls iqlrdky; dk fuekz.k gks vfkok Åij nh xbz vu; xfrfof/k;k gks A fl)kur 9% O;olk; dks mùkjnkf;ro ds lkfk muds xzkgdks,o mihkksäkvks dk vknj djuk pkfg,,o muds lkfk tqm+s gksuk pkfg,a 1- foùkh; o"kz dh lekfir rd fdrus çfr'kr xzkgd ekeys yfecr gs \ foùk o"kz ds çkjehk es dqy 301 f'kdk;rs yfecr FkhA foùkh; o"kz 13 ds nksjku dqy çkir f'kdk;rs Fkh ftles ls f'kdk;rks dk iqjkus o"kz ls yfecr f'kdk;rks lfgr fuivku dj fn;k x;k FkkA bl çdkj 99-50% f'kdk;rks dk fuivku dj fn;k x;k FkkA o"kz ds vr rd 236 f'kdk;rs yfecr FkhA 2- D;k deiuh mrikn dh tkudkjh mrikn ds yscy ij çnf'kzr djrh gs] lkfk gh LFkkuh; dkuwu ds vuqlkj D;k ;g t:jh gs\ gk ¼vfrfjä lwpuk½ \ mrikn ds ckjs es tkudkjh csd dh osclkbv ij çnf'kzr gs lkfk gh 'kk[kkvks es j[ks ieiysv vksj czks'kj es Hkh miycèk gsa fofhkuu lsokvks gsrq le; lecu/kh fu;eks dh tkudkjh flvhtu pkvzj es miyc/k gsa 3 D;k fdlh fgrèkkjd ds }kjk deiuh ds fo#) foxr ik p o"kkszz ds nksjku vuqfpr O;kikj dk;ziz.kkfy;ks] xsjfteesnkjkuk izpkj izfr;ksfxrk fojksèkh O;ogkj ds lecuèk es dksbz ekeyk ntz fd;k x;k gs vksj foùkh; o"kz ds vr rd yfecr gs\ ;fn,slk gs rks mldk fooj.k 50 'kcnks ;k vfèkd es iznku djsa ugh 4 D;k vkidh deiuh us mihkksdrk lrqf"v ij dksbz losz{k.k fd;k gs\ csd dk xzkgd vius vuqhkoks dks lk>k djus ds fy, csd vfèkdkfj;ks ls lhèks leidz dj ldrk gsa csd xzkgdks ls fu;fer :i ls 'kk[kk Lrj ij vk;ksftr gksus okyh xzkgd csbdks ds ekè;e ls lhèks leidz es jgrs gsa vuqhkoks,o f'kdk;rks dks lk>k djus gsrq izr;sd ekg dh 15 rkjh[k dks lelr 'kk[kkvks es xzkgd fnol dk vk;kstu fd;k tkrk gsa xzkgd lrqf"v losz{k.kks dk vk;kstu vkrfjd Lrj ij,o ckg~;,tslh tsls us'kuy blvhv~;wv vkwq csd esustesv rfkk esustesv MsosyiesUV blvhv~;wv] xqmxk o }kjk fu;qdr dj fd;k tkrk gsa bl rjg dk O;kid losz{k.k mi;ksxh lq>ko l`ftr djrk gs tksfd csd dks lgh ij j[krk gsa le; ij csd xzkgd leidz lirkg dk vk;kstu djrk gs ftlds nksjku csd xzkgdks ls leidz djrk gs] muls QhMcSd tqvkrk gs vksj ewy;oku lq>koks dks ykxw djus gsrq vko';d dne mbkrk gsa csd dh osclkbv ij Hkh QhMcSd fyd miycèk gsa bl rjg izkir QhMcSd dk xgu fo'ys"k.k fd;k tkrk gs vksj mpp izcuèku ds lkku es yk;k tkrk gs ftudks ekfld cqysfvu ^dlvej LihDl* ¼xzkgd ok.kh½ es izdkf'kr fd;k tkrk gs rkfd QhYM LVkQ xzkgdks dh losnuk dks tku lds A Some of the ctivities undertken for improving the overll living conditions re mintennce of Adult Litercy Centres, Librries, Dispensries, instlltion of Hnd Pumps, Solr lighting, construction of Toilets, Bus Shelters nd development of children's prks. Accessibility to credit hs lso been improved. 5. Hve you tken steps to ensure tht this community development inititive is successfully dopted by the community? Plese explin in 50 words, or so. Under PNB Viks, the inititives tken re ongoing, be it the cretion of smll librry for the villgers or the other ctivities listed bove. Principle 9: Businesses should engge with nd provide vlue to their customers nd consumers in responsible mnner 1. Wht percentge of customer complints/consumer cses re pending s on the end of finncil yer. 301 complints were outstnding t the beginning of FY complints were received during FY13 nd complints were disposed off, including those pending from the previous yer. Thus 99.50% of the complints were resolved. 236 complints were pending t the end of the yer. 2. Does the compny disply product informtion on the product lbel, over nd bove wht is mndted s per locl lws? Yes/No/N.A. /Remrks(dditionl informtion) The informtion bout the product is displyed on the Bnk website nd is lso vilble in pmphlets nd brochures t brnches. The time norms for different services re lso vilble in the Citizen's Chrter. 3. Is there ny cse filed by ny stkeholder ginst the compny regrding unfir trde prctices, irresponsible dvertising nd/or nti-competitive behviour during the lst five yers nd pending s on end of finncil yer. If so, provide detils thereof, in bout 50 words or so No 4. Did your compny crry out ny consumer survey/consumer stisfction? Customers of the Bnk cn pproch Bnk officils including the top most executive to shre their experiences. The Bnk remins in direct touch with customers through 'Customer Meets' orgnized t the brnches regulrly. Customer's dy is being observed on 15 th of every month in every brnch to shre experiences nd grievnces. Customer stisfction surveys re conducted in-house s well s by engging outside gencies like Ntionl Institute of Bnk Mngement nd Mngement Development Institute, Gurgon. Such exhustive surveys generte useful suggestions which keep the Bnk on, the right trck. From time to time, the Bnk conducts customer contct week during which it contcts customers, obtins feedbck nd tkes steps to implement the vluble suggestions. The Bnk lso hs feedbck link on its website. The feedbck so obtined is nlysed nd put up to top mngement every qurter. Findings re published in the monthly bulletin "Customer Speks" so tht field stff cn be sensitized to the feelings of customers. 92

95 l'kksf/kr iwth i;kzirrk ÝseodZ ds v/khu csly&ii ¼LrEHk&3½ ds vurxzr çdvhdj.k & dks lekir o"kz bl fjiksvz es nh x;h tkudkfj;k itkc us'kuy csd ¼,dy½ ls lecfu/kr gsa csd vksj bldh vkb vuq"kfx;ks ds lhvkj,vkj ¼,dy½ LVSM vyksu vk/kkj ij isjk 3-7 es vyx ls n'kkz, x, gsa Mh,Q1- ç;ksx dh lhkkouk 1-1- itkc us'kuy csd ml lewg es 'kh"kz csd gs ftlij l'kksf/kr iw th i;kzirrk ÝseodZ ykxw gksrs gsa csd dh ns'k es flfkr fueufyf[kr 5?kjsyw vuq"kfx;k gs % vuq"kxh dk uke fdl ns'k es LokfeRo dk % cuh vuqikr 1- ih,uch gkmflx Qkbusl fyfevsm* Hkkjr ih,uch fxyv~l fyfevsm Hkkjr ih,uch fuos'k lsok, fyfevsm Hkkjr ih,uch b';ksjsl czksfdx çk-fy- Hkkjr ih,uch ykbq b';ksjsl deiuh fy-** Hkkjr 'kwu; * u, bfdovh 'ks;jks ds tkjh djus ds QyLo:i ih,uch gkmflx QkbuSl fy- us csd LokfeRo dk fgllk 74% ls?kvdj 51-01% jg x;k gsa ** deiuh lekiu vf/kfu;e vksj deiuh ds ikl miyc/k vkflr;ks dk 'ks"k 'ks;j/kkjdks ds chp ckvk x;k gsa deiuh dks ekuuh; mpp U;k;ky; }kjk vrr% cn fd;k tkuk gsa buds vykok csd dh rhu vurjkz"vªh; vuq"kfx;k Hkh gs % vuq"kxh dk uke fdl ns'k LokfeRo dk % es cuh vuqikr i) itkc us'kuy cs d vrjkz"vªh; fy-] ;wds ;wukvsm fdxme ii) Mªd ih,uch csd fy- HkwVku iii) ts,llh,lch ih,uch dtk[lrku dtk[lrku fueufyf[kr?kjsyw llfkkvks ¼lg;ksxh½ es csd dk 20% vfkok vf/kd fgllk gs % llfkk dk uke fdl ns'k LokfeRo çfr'kr es cuh dh ek=k i) vlsv ds;j,m jhdlvªd'ku,vjçkbtst fyfevsm Hkkjr 30% ii) fçfliy ih,uch vlsv esustesv deiuh çk-fy- Hkkjr 30% iii) fçfliy VªLVh deiuh çk-fy- Hkkjr 30% iv) bfm;k QSDVfjx,M QkbuSl lksy;w'kl çk-fy- Hkkjr 30% v) gfj;k.kk xzkeh.k csd Hkkjr 35% vi) fgekpy xzkeh.k csd* Hkkjr 26-42% vii) e/; fcgkj xzkeh.k csd Hkkjr 35% viii) itkc xzkeh.k csd Hkkjr 35% ix) jktlfkku xzkeh.k csd** Hkkjr 'kwu; x) loz ;wih xzkeh.k csd Hkkjr 35% xi) ih,uch esvykbzq bfm;k b';ksjsl deiuh fy-*** Hkkjr 30% * fgekpy xzkeh.k csd dk foy; dks ubz llfkk fgekpy çns'k xzkeh.k csd] emh ds :i es gks x;k gsa Hkkjrh; LVseV csd ds HkwriwoZ iozrh;k xzkeh.k csd es 'ks;j ¼` yk[k yk[k dqy ` yk[k½ dks Hkk-LVsV csd dh iwth es ugh ys tk;k x;k gsa vr% dks ih,uch dk,pihthch] emh dh iw th es LVsd çfr'kr gs rfkk,lchvkbz dk 8-58 çfr'kr gsa Disclosure under Bsel II (Pillr 3) in terms of Revised Cpitl Adequcy Frmework - for yer ended Disclosures in this report pertin to Punjb Ntionl Bnk (Solo). The Cpitl to Risk-weighted Assets Rtio (CRAR) of the bnk nd its eight subsidiries on stnd-lone bsis re shown seprtely in pr 3.7. DF1. Scope of ppliction 1.1. Punjb Ntionl Bnk is the top bnk in the group to which the revised cpitl dequcy frmework pplies. The bnk hs following five domestic subsidiries: Nme of the Entity Country of Proportion of incorportion ownership percentge 1. PNB Housing Finnce Ltd* Indi 51.01% 2. PNB Gilts Ltd. Indi 74.07% 3. PNB Investment Services Ltd. Indi % 4. PNB Insurnce Broking Pvt Ltd Indi 81.00% 5. PNB Life Insurnce Compny Ltd** Indi NIL * Consequent to the issue of fresh equity shres, the proportion of ownership interest of the Bnk in PNB Housing Finnce Limited hs reduced to 51.01% from 74%. ** The Compny is under liquidtion nd the blnce of ssets vilble with the compny hs been distributed mongst the shreholders. The compny is finlly required to be wound up by Hon'ble High Court. Aprt from these, the Bnk hs three Interntionl Subsidiries Nme of the Entity Country of Proportion of incorportion ownership percentge i) PNB Interntionl Ltd., UK UK % ii) Druk PNB Bnk Ltd. Bhutn 51.00% iii) JSC SB PNB Kzkhstn Kzkhstn % 1.2 Bnk is hving 20% or more stke in following Domestic entities (Assocites) Nme of the Entity Country of Proportion of incorportion ownership percentge i) Assets Cre & Reconstruction Enterprise Ltd. Indi 30% ii) Principl PNB Asset Mngement Co. Pvt. Ltd Indi 30% iii) Principl Trustee Co. Pvt. Ltd. Indi 30% iv) Indi Fctoring nd Finnce Solutions Pvt. Ltd. Indi 30% v) Hryn Grmin Bnk Indi 35% vi) Himchl Grmin Bnk* Indi 26.42% vii) Mdhy Bihr Grmin Bnk Indi 35% viii) Punjb Grmin Bnk Indi 35% ix) Rjsthn Grmin Bnk** Indi NIL x) Srv UP Grmin Bnk Indi 35% xi) PNB Metlife Indi Insurnce Compny Ltd *** Indi 30% * Himchl Grmin Bnk hs been mlgmted on into new entity Himchl Prdesh Grmin Bnk, Mndi. Shre (` lcs lcs totl ` lcs) of SBI in erstwhile Prvtiy Grmin Bnk hs not been cpitulted to SBI. Hence the stke of PNB is 26.42% in the cpitl of HPGB, Mndi nd tht of SBI is 8.58% s on

96 ** gekjs csd }kjk çk;ksftr jktlfkku xzkeh.k csd] vyoj dk foy; ubz llfkk cm+ksnk jktlfkku {ks=h; xzkeh.k csd ds :i es ls gqvk gsa ih,uch us ekpz] 2013 ekg es HkwriwoZ jktlfkku xzkeh.k csd ls csd dh iwth,o 'ks;j iwth tek [kkrk ls viuk 35 çfr'kr fgllk ` yk[k okil çkir dj fy;k gsa *** csd us ih,uch esvykbzq bfm;k b';ksjsl deiuh fy- es dks 30 çfr'kr LVsd çkir fd;k gs vksj ;g mlh frffk ls csd dh lg;ksxh llfkk cu xbz gsa csd dk Hkkjr ls ckgj,d l;qdr m e gs % bzdkbz dk uke fdl ns'k LoknfeRo es cuh vuqikr dk çfr'kr i),ojslv csd fyfevsm usiky 20% 1-3 iw th dh flfkfr % ¼` djksm+ es½ fooj.k lesdu es u 'kkfey dh xbz vuq"kfx;ks vfkkzr~,slh vuq"kfx;ks dh dqy iw thxr dfe;ks dh dqy jkf'k ftugs lwph es ls dkv fn;k x;k gs rfkk mu vuq"kfx;ks ds uke fdlh vuq"kxh es,slh iw thxr dksbz Hkh deh ugh gs fdlh vuq"kxh es,slh iw thxr dksbz Hkh deh ugh gs 1-4 csd orzeku es chek xfrfof/k;ks es lfyir ugh gs rfkkfi csd us chek dk;z dj jgh fueufyf[kr vuq"kfx;ks es 'ks;jiw th es fuos'k fd;k gs % Ø- deiuh dk fdl ns'k LokfeRo vfdr ewy; cgh ewy; l- uke es cuh vuqikr ¼` djksm+ es½ ¼` djksm+ es½ 1- ih,uch b';ksjsl czksfdx çk-fy* Hkkjr 81% ih,uch ykbzq b';ksjsl deiuh fy-** Hkkjr 'kwu; 'kwu; 'kwu; 3- ih,uch esvykbzq bfm;k b';ksjsl deiuh fy- Hkkjr 30% * ih,uch b';ksjsl czksfdx çk-fy-,slh deiuh gs tks b';ksjsl jsxwysvjh,o MsoyiesV vfk fjvh ¼vkbZvkjMh,½ }kjk çnùk ykblsl ds vuqlkj ßçR;{k czksdjß dk;zdyki es lyxu gsa ;g,d 'ksy deiuh gs vksj czksfdx ykblsl vkbzvkjmh, dks lqiqnz dj fn;k gsa deiuh ds lekiu ds fy, dne mbk, tk jgs gsa ** ih,uch ykbzq b';ksjsl chek deiuh fy- dks thou b';ksjsl dkjksckj 'kq: djus ds fy, lfeefyr fd;k x;k Fkk ysfdu ifjpkfyr ugh fd;k tk ldka deiuh ifjlekiu ds v/khu gs vksj bl mís'; ds fy, fnukd dks nlrkost vkjvkslh es nk;j fd, x, gsa *** csd us ih,uch esvykbzq bfm;k b';ksjsl deiuh fy- es dks 30 çfr'kr LVsd çkir fd;k gs vksj ;g mlh frffk ls csd dh lg;ksxh llfkk cu xbz gsa Mh,Q 2- iw thxr ljpuk 2-1 csd dh Vh;j I iw th es bfdovh 'ks;j] çkjf{kr fuf/k;k vksj uoksues"k csfe;knh c/k&i= 'kkfey gsa csd us Vh;j&II iw th es lekos'k gsrq uoksues"k csfe;knh c/ki= ¼Vh;j&I iw th½ vksj vu; c/ki= Hkh tkjh fd, gsa c/k&i=ks ds dqn egroiw.kz fuc/ku fueuor~ gs % v- çksfeljh uksv ¼Vh;j&I c/ki=½ ds #i es csfe;knh vçfrhkwr vifjorzuh; xks.k c/k&i= ** Rjsthn Grmin Bnk, Alwr sponsored by our Bnk hs been mlgmted into new entity Brod Rjsthn Kshetriy Grmin Bnk w.e.f PNB hs received bck its 35% shre in Cpitl nd Shre Cpitl Deposit Account in erstwhile Rjsthn Grmin Bnk in the month of Mrch, 2013 mounting to ` lcs. *** The Bnk cquired 30% stke in PNB Metlife Indi Insurnce compny Limited on nd it becme n Associte of the Bnk w.e.f tht dte. The Bnk hs one Joint Venture outside Indi Nme of the Entity Country of Proportion of incorportion ownership percentge i) Everest Bnk Ltd. Nepl 20% 1.3. Position of Cpitl (` in crore) Prticulrs The ggregte mount of cpitl deficiencies in ll subsidiries not included in the consolidtion i.e. tht re deducted nd the nme(s) of such subsidiries There is no cpitl deficiency in ny of the subsidiries There is no cpitl deficiency in ny of the subsidiries 1.4. The bnk directly is not involved in insurnce mnufcturing ctivity. However, bnk hs invested in the shre cpitl of the following insurnce relted subsidiries/assocites: S. Nme of the Country of Proportion of Fce Vlue Book vlue No. compny Incorportion ownership (` in crore) (` in crore) 1. PNB Insurnce Broking Pvt. Ltd* Indi 81% PNB Life Insurnce Compny Ltd** Indi NIL NIL NIL 3. PNB Metlife Indi Insurnce Compny Ltd *** Indi 30% * PNB Insurnce Broking Pvt. Ltd ws licensed by Insurnce Regultory & Development Authority (IRDA) to crry out "Direct Broker" ctivity. It is shell compny nd hs surrendered the broking license to IRDA. Steps re being tken for winding up of the compny. ** PNB Life Insurnce Compny Ltd. ws incorported to commence life insurnce business but not opertionlized. The compny is under liquidtion nd documents for the purpose hve been filed with ROC on *** The Bnk cquired 30% stke in PNB Metlife Indi Insurnce compny Limited on nd it becme n Associte of the Bnk w.e.f tht dte DF-2. Cpitl Structure 2.1 Bnk's Tier I cpitl comprises of Equity Shres, Reserves nd Innovtive Perpetul Bonds. Bnk hs issued Innovtive Perpetul Bonds (Tier 1 cpitl) nd lso other bonds eligible for inclusion in Tier 2 cpitl. Some of the importnt terms of the bonds re s under:. Perpetul Unsecured Non-Convertible Subordinted Bonds in the nture of Promissory Notes (Tier I bonds) 94

97 Jà[kyk vkcvu c.m jkf'k dwiu nj* vof/k ek x fodyi* foø; frffk ¼djksM+ #-es½ fodyi I igys 10 o"kz ds fy, csfe;knh vkcvu dh frffk dksbz ugh II % okf"kzda ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks lhkh ijorhz o"kksz ds fy, 10-90% okf"kzd dh oèkzd dwiu nj igys 10 o"kz ds fy, csfe;knh ls 10 o"kz ds vr es leewy; ij vksj mlds ckn çr;sd dwiu frffk ij ¼Hkkjrh; fjtoz cs d dh iwokzuqefr ls½ vkcvu dh frffk dksbz ugh III % okf"kzda ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks lhkh ijorhz o"kksz ds fy, 10-25% okf"kzd dh o/kzd dwiu nj igys 10 o"kz ds fy, csfe;knh ls 10 o"kz ds vr es leewy; ij vksj mlds ckn çr;sd dwiu frffk ij ¼Hkkjrh; fjtoz cs d dh iwokzuqefr ls½ vkcvu dh frffk dksbz ugh IV % okf"kzda ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks lhkh ijorhz o"kksz ds fy, 9-95% okf"kzd dh o/kzd dwiu nj igys 10 o"kz ds fy, csfe;knh ls 10 o"kz ds vr es leewy; ij vksj mlds ckn çr;sd dwiu frffk ij ¼Hkkjrh; fjtoz cs d dh iwokzuqefr ls½ vkcvu dh frffk dksbz ugh V % okf"kzda ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks lhkh ijorhz o"kksz ds fy, 9-40% okf"kzd dh o/kzd dwiu nj igys 10 o"kz ds fy, csfe;knh ls 10 o"kz ds vr es leewy; ij vksj mlds ckn çr;sd dwiu frffk ij ¼Hkkjrh; fjtoz cs d dh iwokzuqefr ls½ vkcvu dh frffk dksbz ugh VI % okf"kzda ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks lhkh ijorhz o"kksz ds fy, 9-65% okf"kzd dh o/kzd dwiu nj igys 10 o"kz ds fy, csfe;knh ls 10 o"kz ds vr es leewy; ij vksj mlds ckn çr;sd dwiu frffk ij ¼Hkkjrh; fjtoz cs d dh iwokzuqefr ls½ vkcvu dh frffk dksbz ugh 9-00% okf"kzda ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks lhkh ijorhz o"kksz ds fy, 9-50% okf"kzd dh o/kzd dwiu nj ls 10 o"kz ds vr es leewy; ij vksj mlds ckn çr;sd dwiu frffk ij ¼Hkkjrh; fjtoz cs d dh iwokzuqefr ls½ dqy * Hkkjrh; fjtoz csd ds ekxzfunsz'kks dh 'krksz ds v/khu [k- çksfeljh uksv dh çd`fr es vçfrhkwr çfrns; u u duofvzcy xks.k c.m ¼vij Vh;jAA&c/ki=½ Jà[kyk vkcvu c.m dwiu nj* vof/k ek x fodyi* foø; ekspu frffk jkf'k fodyi ifjidork* I % çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks vfkkzr~ 11 ls 15 o"kz ds fy, 9-30% ls okf"kzd C;kt lns; gksxka 15 o"kz vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ dksbz ugh vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa Series Dte of Bond Amount Coupon Rte* Tenor Cll option* Put Option Allotment (` in Crs) I % nnul for Perpetul At pr t the None first 10 Yers. Step end of 10th up Coupon Rte of yer from dte 10.90% nnul for of llotment ll subsequent yers nd therefter if cll option is not on ech exercised t the end coupon dte of 10th yer from (with prior RBI the dte of permission) llotment II III IV V VI TOTAL *Subject to RBI guidelines 9.75% nnul for first 10 yers. Step up Coupon Rte of 10.25% nnul for ll subsequent yers if cll option is not exercised t the end of 10th yer from the dte of llotment. 9.45% nnul for first 10 yers. Step up Coupon Rte of 9.95% nnul for ll subsequent yers if cll option is not exercised t the end of 10th yer from the dte of llotment 8.90% nnul for first 10 yers. Step up Coupon Rte of 9.40% nnul for ll subsequent yers if cll option is not exercised t the end of 10th yer from the dte of llotment. 9.15% nnul for first 10 yers. Step up Coupon Rte of 9.65% nnul for ll subsequent yers if cll option is not exercised t the end of 10th yer from the dte of llotment. 9.00% nnul for first 10 yers. Step up Coupon Rte of 9.50% nnul for ll subsequent yers if cll option is not exercised t the end of 10th yer from the dte of llotment. Perpetul Perpetul Perpetul Perpetul Perpetul At pr t the end of 10th yer from dte of llotment nd therefter on ech coupon dte (with prior RBI permission) At pr t the end of 10th yer from dte of llotment nd therefter on ech coupon dte (with prior RBI permission) At pr t the end of 10th yer from dte of llotment nd therefter on ech coupon dte (with prior RBI permission) At pr t the end of 10th yer from dte of llotment nd therefter on ech coupon dte (with prior RBI permission) At pr t the end of 10th yer from dte of llotment nd therefter on ech coupon dte (with prior RBI permission) None None None None None b. Unsecured Redeemble Non-Convertible Subordinted Bonds in the nture of Promissory Notes (Upper Tier 2 bonds). Series Dte of Bond Coupon Rte* Tenor Cll option* Put Redemption/ Allotment Amount Option Mturity* (` in Crs) I Interest t the rte of 8.80% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from dte of llotment then the bonds shll crry the interest of 9.30% pyble nnully for the lst five yers i.e. 11th to 15th yer 15 yers At pr t the end of 10th yer from the dte of llotment (with prior RBI permission) None At pr t the end of the 15th yer from the dte of llotment, if the cll option is not exercised t the end of 10th yer. 95

98 Jà[kyk vkcvu c.m dwiu nj* vof/k ek x fodyi* foø; ekspu frffk jkf'k fodyi ifjidork* II III IV V VI VII % çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.m ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-85% ls okf"kzd C;kt lns; gksxka 9-35% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-85% ls okf"kzd C;kt lns; gksxk A 9-45% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks ck Mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-95% ls okf"kzd C;kt lns; gksxk A 10-85% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kksz vfkkzr~ 11 ls 15 o"kz ds fy, 11-35% ls okf"kzd C;kt lns; gksxka 8-95% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-45% ls okf"kzd C;kt lns; gksxk A 9-15% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-65% ls okf"kzd C;kt lns; gksxka 15 o"kz 15 o"kz 15 o"kz 15 o"kz 15 o"kz 15 o"kz vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ dksbz ugh dksbz ugh dksbz ugh dksbz ugh dksbz ugh dksbz ugh vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa Series Dte of Bond Coupon Rte* Tenor Cll option* Put Redemption/ Allotment Amount Option Mturity* (` in Crs) II III IV V VI VII Interest t the rte of 9.35% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from dte of llotment then the bonds shll crry the interest of 9.85% pyble nnully for the lst five yers i.e. 11th to 15th yer Interest t the rte of 9.35% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from dte of llotment then the bonds shll crry the interest of 9.85% pyble nnully for the lst five yers i.e. 11th to 15th yer Interest t the rte of 9.45% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from dte of llotment then the bonds shll crry the interest of 9.95% pyble nnully for the lst five yers i.e. 11th to 15th yer Interest will be pid t the rte of 10.85% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 11.35% pyble nnully for the lst five yers i.e. 11th to 15th yer. Interest will be pid t the rte of 8.95% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 9.45% pyble nnully for the lst five yers i.e. 11th to 15th yer. Interest will be pid t the rte of 9.15% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 9.65% pyble nnully for the lst five yers i.e. 11th to 15th yer. 15 yers At pr t the None end of 10th yer from the dte of llotment (with prior 15 yers At pr t the None end of 10th yer from the dte of llotment (with prior 15 yers At pr t the None end of 10th yer from the dte of llotment (with prior 15 yers At pr t the None end of 10th yer from the dte of llotment (with prior 15 yers At pr t the None end of 10th yer from the dte of llotment (with prior 15 yers At pr t the end of 10th yer from the dte of llotment (with prior At pr t the end of the 15th yer from the dte of llotment, if the cll option is not exercised t the end of 10th yer. At pr t the end of the 15th yer from the dte of llotment, if the cll option is not exercised t the end of 10th yer. At pr t the end of the 15th yer from the dte of llotment, if the cll option is not exercised t the end of 10th yer. RBI permission) RBI permission) RBI permission) RBI permission) RBI permission RBI permission At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer. At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer. None At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer 96

99 Jà[kyk vkcvu c.m dwiu nj* vof/k ek x fodyi* foø; ekspu frffk jkf'k fodyi ifjidork* VIII IX X XI XII tksm % çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks ck Mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-30% ls okf"kzd C;kt lns; gksxka 8-37% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 8-87% ls okf"kzd C;kt lns; gksxk A 8-60% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 9-10% ls okf"kzd C;kt lns; gksxk A 8-50% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 8-87 ls okf"kzd C;kt lns; gksxka 8-50% çfr o"kz nj ij C;kt okf"kzd lns; gsa ;fn vkcvu dh frffk ls 10 o"kz ds vr es d y vki'ku dk ç;ksx ugh fd;k x;k rks c.mks ij finys 5 o"kks Z vfkkzr~ 11 ls 15 o"kz ds fy, 8-87% ls okf"kzd C;kt lns; gksxka 15 o"kz 15 o"kz 15 o"kz 15 o"kz 15 o"kz *Hkkjrh; fjtoz csd ds ekxzfunsz'kks dh 'krksz ds v/khu vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ vkcvu dh frffk ls 10 o"kz ds vr es leewy; ij ¼Hkkjrh; fjtoz csd dh iwokzuqefr ls½ dksbz ugh dksbz ugh dksbz ugh dksbz ugh dksbz ugh vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa vkcvu dh frffk ls 15 o"kz ds vr es leewy; ij ;fn 10 o"kz ds vr es ek x fodyi dk ç;ksx ugh fd;k x;k gsa Series Dte of Bond Coupon Rte* Tenor Cll option* Put Redemption/ Allotment Amount Option Mturity* VIII Interest will be pid 15 yers At pr t the None At pr t the t the rte of 8.80% end of 10th end of the p.. pyble yer from 15th yer nnully. If the cll the dte of from the option is not llotment dte of exercised t the end (with prior llotment, if of 10th yer from RBI the cll is the dte of permission not exercised llotment then the t the bonds shll crry end of 10th the interest of yer 9.30% pyble nnully for the lst five yers i.e. 11th to 15th yer. IX X XI XII TOTAL 6610 *Subject to RBI guidelines Interest will be pid 15 yers t the rte of 8.37% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 8.87% pyble nnully for the lst five yers i.e. 11th to 15th yer. Interest will be pid 15 yers t the rte of 8.60% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 9.10% pyble nnully for the lst five yers i.e. 11th to 15th yer. Interest will be pid 15 yers t the rte of 8.50% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 8.87% pyble nnully for the lst five yers i.e. 11th to 15th yer. Interest will be pid 15 yers t the rte of 8.50% p.. pyble nnully. If the cll option is not exercised t the end of 10th yer from the dte of llotment then the bonds shll crry the interest of 8.87% pyble nnully for the lst five yers i.e. 11th to 15th yer. At pr t the end of 10th yer from the dte of llotment (with prior RBI permission At pr t the end of 10th yer from the dte of llotment (with prior RBI permission At pr t the end of 10th yer from the dte of llotment (with prior RBI permission At pr t the end of 10th yer from the dte of llotment (with prior RBI permission None None None None At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer At pr t the end of the 15th yer from the dte of llotment, if the cll is not exercised t the end of 10th yer 97

100 x- çksfeljh uksv dh çñfr es vçfrhkwr çfrns; u u duofvzcy xks.k c.m ¼Vh;j&2 c/k&i=½ Øe J`[kyk vkcvu frffk c.m jkf'k dwiu nj vof/k ifjidork l0 ¼djksM+ #-es½ ¼çfro"kZ % okf"kzd ¼ekg es½ frffk lns;½ 1½ IX ½ X ½ XI ½ XII ½ XIII tksm csd dh Vh;j 1 iw th es fueufyf[kr lfeefyr gs % ¼` djksm+ es½ fooj.k i) pqdrk 'ks;j iw th ii) çkjf{kr fuf/k; ¼iquewZY;u çkjf{kr fuf/k;ks dks NksMdj½ iii) uoksues"k csfe;knh c.m iv) vu; iw thxr fy[krs v) vuq"kfx;ks es bfdovh fuos'k ¼50%½ vi) vewrz vkflr;k ¼vkLFkfxr dj vkflr;k dei;wvj l Vos;j½ vii) rjy vkflr;ks ds fy, ewy;ºzkl Vh;j A iw th ¼i + ii + iii + iv -v -vi-vii½ Vh;j 2 iw th dh jkf'k ¼dVkSfr;ks ds ckn½ fueufyf[kr gsa ¼` djksm+ es½ fooj.k Vh;j 2 iw th dh jkf'k ¼dVkSfr;ks ds ckn½ 2-4 vij Vh;j&2 iw th es lekos'k gsrq ik= m/kkj iw th fy[krs fueufyf[kr gs % ¼` djksm+ es½ fooj.k dqy cdk;k jkf'k ftles ls pkyw o"kz ds nksjku tqvkbz xbz jkf'k iw thxr fuf/k ds :i es eku; ik= jkf'k yksvj Vh;j&2 iw th es lekos'k gsrq ik= xks.k m/kkj % ¼` djksm+ es½ dqy cdk;k jkf'k ftles ls pkyw o"kz ds nksjku tqvkbz xbz jkf'k iw thxr fuf/k ds :i es eku; ik= jkf'k 2-6 iwth ls dksbz vksj dvksfr;k ] ;fn gks ¼` djksm+ es½ ;fn iw th ls dksbz vksj dvksrh gqbz gks 'kwu; 'kwu; c. Unsecured Redeemble Non Convertible Subordinted Bonds in the nture of Promissory Notes (Tier 2 bonds): Sr. Series Dte of Bond Coupon Rte Tenor Dte of No. Allotment Amount (% p.. pyble (in months) Mturity (`in Crs) nnully) 1 IX X XI XII XIII Totl The Tier 1 cpitl of the bnk comprises: (` in crore) Prticulrs i) Pid up shre cpitl ii) Reserves (excluding revlution reserves) iii) Innovtive Perpetul Bonds iv) Other Cpitl Instruments v) Equity Investment in subsidiries (50%) vi) Intngible Assets (Deferred Tx Assets + Computer Softwre) vii) Dep. for illiquid securities Tier I Cpitl (i + ii + iii + iv -v -vi-vii) The mount of Tier 2 cpitl (net of deductions) is: (` in crore) Prticulrs The mount of Tier 2 cpitl (net of deductions) 2.4. The debt cpitl instruments eligible for inclusion in Upper Tier 2 cpitl re: (` in crore) Prticulrs Totl mount outstnding Of which mount rised during the current yer Amount eligible to be reckoned s cpitl funds 2.5. The subordinted debts eligible for inclusion in Lower Tier 2 cpitl is: (` in crores) Totl mount outstnding Of which mount rised during the current yer Amount eligible to be reckoned s cpitl funds 2.6. Other deductions from cpitl, if ny: (` in crores) Other deductions from cpitl, NIL NIL if ny: 98

101 2-7 dqy ik= iwth es fueufyf[kr 'kkfey gs % ¼` djksm+ es½ Vh;j&A iwth Vh;j&AA iwth dqy iwth Mh,Q3- iw th i;kzirrk csd lexz tksf[ke çcu/ku uhfr es fo'okl j[krk gs vksj tksf[ke ds çfr lexz n`f"vdks.k j[krs gq, ck/;rk/kkjh ls lec) fo'ks"k tksf[keks] tksf[ke es gksus okys mrkj p<+ko ds chp es ijlij lecu/k vksj fu;f=r ifjpkyd tksf[ke okrkoj.k ds Hkhrj rnkuq:i foojf.k;ks vksj dkjksckj ds fofhkuu mës';ks dh miyfc/k;ks ds fof'k"v tksf[ke y{k.kks dks mfpr egro nsrs gq, tksf[ke dks lgu djuk mfpr ekuk tkrk gsa csd dk ;g fo'okl gs fd lokszpp ofj"b çcu/ku ds nkf;roks es tksf[ke çcu/ku dk çeq[k LFkku gsa funs'kd e.my O;kid :i ls tksf[ke çcu/ku uhfr;ks ij QSlyk ysrk gs vksj tksf[ke çcu/ku n'kzu o uhfr] _.k çcu/ku o tksf[ke çcu/ku uhfr] fuos'k uhfr] vkflr ns;rk çcu/ku uhfr] ifjpkyuxr tksf[ke çcu/ku uhfr] vkurfjd iwth i;kzirrk fu/kkzj.k çfø;k uhfr ¼vkbZ lh,, ih½] _.k tksf[ke U;wuhdj.k o leikf'ozd çcu/ku uhfr] ncko tk p uhfr rfkk dkjksckj çd`fr xfrfof/k;ks dh :ijs[kk dk vuqeksfnr djrk gs ftues csd ds fofhkuu tksf[keks ds lecu/k es lesfdr çcu/ku ds fy, fn'kkfunsz'k rfkk dk;z uhfr;k r; gksrh gsa bu uhfr;ks es vu; ckrks ds lkfk lkfk bl ckr dk Hkh myys[k gksrk gs fd 'kq#vkr dgk ls dh tk;sxh] [krjk dgk gs vksj fdu ckrks ij tksj fn;k tk;sxka funs'kd emy }kjk funs'kd emy Lrj dh mi lfefr cukbz x;h gs ftldk uke gs tksf[ke çcu/ku lfefra eksvs rksj ij bl lfefr dk nkf;ro gs tksf[ke çcu/ku ds dk;z djuk rfkk ;g _.k tksf[ke çcu/ku lfefr ¼lh vkj,e lh½] vkflr ns;rk lfefr ¼,,y lh ½,o ifjpkyuxr tksf[ke çcu/ku lfefr ¼vks vkj,e lh½ ds dk;ksz dk losz{k.k djrh gsa tksf[ke çcu/ku lfefr dh frekgh es de ls de,d csbd gksrh gsa csd ;g le>rk gs fd lxbu ds çhkkoh rfkk dq'ky <x ls dk;z djus ds fy, tksf[ke çcu/ku,d vfuok;zrk gsa 3-1 _.k tksf[ke çcu/ku v/;{k,o çcu/k funs'kd dh v/;{krk es xfbr _.k tksf[ke çcu/ku lfefr _.k tksf[ke ds fy, dk;z djus okyh lokszpp lfefr gsa ;g lfefr funs'kd e.my }kjk fu/kkzfjr lexz ek=kred vksj foosdiw.kz lhek ds Hkhrj _.k ds çcu/ku vksj fu;=.k ds fy, vko';d fu.kz; ysus ij fopkj djrh gs vksj,sls fu.kz; ysrh gs A bl lfefr dks _.k çlrkoks ds çlrqfrdj.k ds ekudks dh uhfr;ks ds vuqeksnu] cktkj ds ifjn`'; es ifjorzu vfkok QhMcSd ds vk/kkj ij fofhkuu ekmyks es t:jh lq/kkj] _.k tksf[ke çcu/ku uhfr Hkkjrh; fjtoz cs d ds ekxzfuns Z'kks dh vis{kkvks ds ikyu ds fy, vfkok _.k tksf[ke çcu/ku ds fy, vu;fkk vko';d fdlh vu; dk;z lecu/kh uhfr;ks ds vuqeksnu dk dke lksik x;k gsa csd us O;kid tksf[ke jsfvx ç.kkyh fodflr dh gs tks vu; i{kks ds fofo/k tksf[ke?kvdks }kjk lrr~ n`f"v ls _.k lecu/kh fu.kz; ysus es,dy fcunq lwpd ds :i es dk;z djrh gsa 2.7. The totl eligible cpitl comprises: (` in crores) Tier - I Cpitl Tier - II Cpitl Totl Cpitl DF.3. Cpitl Adequcy The bnk believes in the policy of totl risk mngement. The bnk views the risk mngement function s holistic pproch whereby risk retention is considered pproprite fter giving due considertion to fctors such s specific risk chrcteristics of obligor, inter reltionship between risk vribles nd corresponding return nd chievement of vrious business objectives within the controlled opertionl risk environment. Bnk believes tht risk mngement is one of the foremost responsibilities of top/ senior mngement. The Bord of Directors decides the overll risk mngement policies nd pproves the Risk Mngement Philosophy & Policy, Credit Mngement & Risk policy, Investment policy, ALM policy, Opertionl Risk Mngement policy, Policy for internl cpitl dequcy ssessment process (ICAAP), Credit Risk Mitigtion & Collterl Mngement Policy, Stress Testing Policy nd Policy for Mpping Business Lines/Activities, contining the direction nd strtegies for integrted mngement of the vrious risk exposures of the Bnk. These policies, interli, contin vrious trigger levels, exposure levels, thrust res etc. The bnk hs constituted Bord level subcommittee nmely Risk Mngement Committee. The committee hs the overll responsibility of risk mngement functions nd oversees the function of Credit Risk Mngement Committee (CRMC), Asset Libility Committee (ALCO) nd Opertionl Risk Mngement Committee (ORMC). The meeting of RMC is held t lest once in qurter. The bnk recognizes tht the mngement of risk is integrl to the effective nd efficient mngement of the orgniztion. 3.1 Credit Risk Mngement Credit Risk Mngement Committee (CRMC) heded by CMD is the top-level functionl committee for Credit risk. The committee considers nd tkes decisions necessry to mnge nd control credit risk within overll quntittive prudentil limit set up by Bord. The committee is entrusted with the job of pprovl of policies on stndrds for presenttion of credit proposl, finetuning required in vrious models bsed on feedbcks or chnge in mrket scenrio, pprovl of ny other ction necessry to comply with requirements set forth in Credit Risk Mngement Policy/ RBI guidelines or otherwise required for mnging credit risk. Bnk hs developed comprehensive risk rting system tht serves s single point indictor of diverse risk fctors of counterprty nd for tking credit decisions in consistent 99

102 tksf[ke jsfvx ç.kkyh O;ofLFkr <x ls rs;kj dh xbz gs tks _.kdrkz dk osf'k"v;] m ksxijd osf'k"v; vkfn tsls fofhkuu?kvdks dh tkudkjh nsrh gs A #i;s 50 yk[k ls vf/kd dh dqy lhek okys _.k [kkrks ij tksf[ke jsfvx ç.kkyh ykxw dh tkrh gs A csd vius jsfvx e M~yks dh os/krk dh le; le; ij tk p djrk jgrk gs vksj mudh etcwrh dh tk p djus ds fy, ekbxzs'ku vksj pwd nj dk fo'ys"k.k Hkh djrk jgrk gs A NksVs _.kks vksj [kqnjk vfxzeks ds fy, vd nsus ds e My viuk, tkrs gs ftues _.k djus ds fu.kz; çkir vdks ij vk/kkfjr gksrs gs A [kqnjk _.kks ds lhkh vkosnuks dk ewy;kdu vfuok;zr% vd ç.kkyh dh çfø;k ls fd;k tkrk gs A NksVs,o e/;e m e Js.kh ds 'ks"k {ks= vfkkzr~ QkeZ {ks= ds fy, vd i)fr fodflr dh xbz gs vksj mldk dk;kzuo;u çxfr ij gs A csd dh ;g ;kstuk gs fd ftu _.k [kkrks dk ewy;kdu fd;k tkuk gs mues ls çr;sd _.k [kkrs dks tksf[ke nsus dh çfø;k ls xqtjuk ims A vkdm+ks ds lecu/k es çks ksfxdh rfkk tksf[ke çcu/ku ds fy, fo'ys"k.k dh t:jr dks le>rs gq, csd us bu nksuks ç.kkfy;ks dks dsuæh; lozj usvodz ij Mky fn;k gs A bu lhkh e Myks dks ç;ksäkvks }kjk csd ds fdlh Hkh dk;kzy; ls v u&ykbu ç;ksx fd;k tk ldrk gs A blds vykok pwd dh nj dks e fuvj djus ds fy, _.kks ds lecu/k es jsfvx çfø;k viukbz tkrh gs A ijeijkxr :i ls gksus okyh pwd dh ço`fùk;ks dks e fuvj djus ds fy, dqn fuf'pr dks pwd nj çnku dh tkrh gs A,d gh fdle ds _.k,d lewg es j[ks tkrs gs A _.k [kkrks ds LokLF; dh le; le; ij eksfuvfjx ds fy, csd us _.k gkfu;ks dh jksdfkke mugs U;wure j[kus ds n`f"vxr 'kh?kz psrkouh ldsrks dk irk yxkus ds fy, fuokjd e fuvfjx ç.kkyh ¼ih,e,l½ uked O;oLFkk dks ykxw fd;k gs rkfd _.k gkfu;ks dks de ls de j[kk tk tk lds A csd m ksxokj MkVkos;j gkml Hkh dk;kzfuor djus tk jgk gs rkfd fo'oluh; rfkk lgh ikjeifjd MkVkcsl dh vis{kkvks dks iwjk fd;k tk lds vksj tksf[ke çcu/ku dks ckfjdh ls ykxw fd;k tk lds vksj tksf[ke?kvdks dk vuqeku yxkus ¼ pwd dh lhkkouk ½,y th Mh ¼{kfr nk=h pwd½] bz, Mh ¼pwd lhkkfor [kkrks ½ vksj fofhkuu _.kks ds lecu/k es tksf[keks dh ek=k dk irk yxkus ds vuqekuks ds fy, Hkh [kkdk fodflr djus ds lkfk&lkfk dsuæhhkwr tksf[ke ds fy, Hkh [kkdk rs;kj dj jgk gs A _.k tksf[ke çcu/ku ds vx ds #i es gh csd us,d lqifjhkkf"kr _.k leh{kk r= ¼,y vkj,e½ cuk;k gs A blls _.k ç'kklu es xq.kkred lq/kkj ykus es enn feyrh gs A _.k leh{kk r= ds dk;kzuo;u ds fy,,d Lor= çhkkx cuk;k x;k gs ftldk uke gs _.k ys[kk ijh{kk o leh{kk çhkkx A _.k tksf[ke jsfvx dk;z dh Lor= çkf/kdkjh }kjk dh tkrh gs A tksf[ke dh jsfvx vksj tkp çfø;k dk dk;z _.k ewy;kdu ls fhkuu :i ls fd;k tkrk gs rkfd mldh fo'oluh;rk vksj Lor=rk cuh jg ldsa ç/kku dk;kzy; rfkk QhYM es egkçcu/kd vksj mlls Åij Lrj ds emy ç/kku dh 'kfä;ks es vkus okys lhkh çlrko _.k lfefr ds ek/;e ls Hksts tkrs gsa bl lfefr ds dk;z dks mnner. The risk rting system is drwn up in structured mnner, incorporting different fctors such s borrower's specific chrcteristics, industry specific chrcteristics etc. Risk rting system is being pplied to the lon ccounts with totl limits bove ` 50 lcs. Bnk is undertking periodic vlidtion exercise of its rting models nd lso conducting migrtion nd defult rte nlysis to test robustness of its rting models. Smll & Medium Enterprise (SME) nd Retil dvnces re subjected to Scoring models which support "Accept/ Reject" decisions bsed on the scores obtined. All SME nd Retil lon pplictions re necessrily to be evluted under score crd system. Scoring model Frm sector hs been developed nd implementtion process is under progress. The bnk plns to cover ech borrowl ccounts to be evluted under risk rting/ score frmework. Recognizing the need of technology pltform in dt hndling nd nlytics for risk mngement, the bnk hs plced rting/ scoring systems t centrl server network. All these models cn be ssessed by the users 'on line' through ny office of the bnk. Additionlly, to monitor the defult rtes, the pool/segment rting methodology is pplied to the retils/ smll lon portfolio. Defult rtes re ssigned to identify pool/ segment to monitor the trends of historicl defults. The pools re creted bsed on homogeneity. For monitoring the helth of borrowl ccounts t regulr intervls, bnk hs put in plce tool clled Preventive Monitoring System (PMS) for detection of erly wrning signls with view to prevent/minimize the lon losses. Bnk is in the process of implementing enterprise-wide dt wrehouse (EDW) project, to cter to the requirement for the relible nd ccurte historicl dt bse nd to implement the sophisticted risk mngement solutions/ techniques nd the tools for estimting risk components {PD (Probbility of Defult), LGD (loss Given Defult), EAD (Exposure t Defult)} nd quntifiction of the risks in the individul exposures to ssess risk contribution by individul ccounts in totl portfolio nd identifying buckets of risk concentrtions As n integrl prt of Risk Mngement System, bnk hs put in plce well-defined Lon Review Mechnism (LRM). This helps bring bout qulittive improvements in credit dministrtion. A seprte Division known s Credit Audit & Review Division hs been formed to ensure LRM implementtion The credit risk rtings re vetted/ confirmed by n independent uthority. The risk rting nd vetting process re done independent of credit pprisl function to ensure its integrity nd independency. All lon proposls flling under the powers of GM & bove t HO/ Field Generl Mnger nd Circle Hed t field re routed through Credit Committee. To ensure trnsprency 100

103 ikjn'khz cukus ds fy, rfkk mldk çhkko {ks= c<+kus ds fy, mles 1&1 çfrfuf/k tksf[ke çcu/ku fohkkx vksj _.k fohkkx ls rfkk,d çfrfuf/k,sls {ks= dk gksrk gs tks _.k ls lecfu/kr u gksa mu çlrkoks ij _.k lfefr es dkjksckj] tksf[ke çcu/ku rfkk uhfr;ks dh n`f"v ls fopkj fd;k tkrk gsa vkflr;ks vkfn dh xq.koùkk fej.k dk fo'ys"k.k djus ds fy, frekgh vk/kkj ij _.k vkflr;ks dh jsfvx Js.khokj leh{kk dh tkrh gsa etcwr tksf[ke çcu/ku <kpk çnku djus ds fy, cukbz xbz csd dh _.k çcu/ku,o tksf[ke uhfr dk mës'; gs csd dh etcwr _.k tksf[ke çcu/ku ç.kkyh ds dk;kzuo;u gsrq,d ewyhkwr <kpk çnku djuka ;g uhfr _.k tksf[ke] çkir fd;s tkus okys y{;ks] orzeku çfkkvks vksj Hkkoh uhfr;ks tsls vusd dk;z{ks=ks ds lc/k es dk;z djrh gsa gkykfd csd us _.k tksf[ke ds lecu/k es,d ekud n`f"vdks.k viuk;k gqvk gs rfkkfi vkurfjd jsfvx vk/kkfjr n`f"vdks.k dks viukuk Hkh tkjh j[kk tk,xka Hkkjrh; fjtoz csd us vius ifji= l0 MhchvksMh l0 chlh fnukd ds rgr _.k tksf[ke gsrq iwthxr çhkkj dh lx.kuk ds fy, vkrfjd jsfvx vk/kkfjr ¼vkbZvkjch½ n`f"vdks.kks ds fø;kuo;u ij vfre fn'kk&funsz'k fn, gsa csd us igys gh vkbzvkjch n`f"vdks.kks es ekbxzsv djus ds fy, viuh rrijrk dk ldsr nsrs gq, Hkkjrh; fjtoz csd dks ßbUQkshjes'ku fdvß }kjk vuqxr vk'k; i= Hkst fn;k gsa blfy, gekjh _.k uhfr _.k&tksf[ke çcu/ku ds çfr vyikof/k dk;kzuo;u rfkk nh?kkzof/k n`f"vdks.k nksuks dks gh Lohdkj djrh gsa csd dh uhfr es tksf[ke dh igpku djuk] tksf[ke dh ek=k dk irk yxkuk] tksf[ke ds Lrj dks r; djus dh rduhd] fjiksfvzx o tksf[ke fu;=.k mugs de djus ds rjhds] çys[khdj.k dh çfkk,,o lel;kewyd _.kks ls fuivus ds rjhds fufgr gsa 3-2 cktkj tksf[ke,o rjyrk tksf[ke fuos'k uhfr dk mës'; fofhkuu tksf[ke çcu/ku mik;ks ds O;kid mi;ksx ls dks"k ifjpkyu ls tqm+s tksf[keks dk ewy;kdu,o mugs U;wure cukuk gsa eq[;r% ;g çfø;kxr tksf[ke] _.k tksf[ke] cktkj tksf[ke] lpkyu tksf[ke rfkk dks"k ifjpkyu es rjyrk tksf[ke ds çcu/ku gsrq uhfrxr mik;ks dks vkrelkr~ djrk gsa dks"k ds fofhkuu mriknks rfkk bldh O;kolkf;d xfrfof/k;ks ls O;qRiUu cktkj tksf[ke ds fy,] csd lhekvks dk fu/kkzj.k vksj budh vuqikyuk lqfuf'pr djrk gsa jsfvx ds mrkj &p<+ko ij fu;fer fuxjkuh j[kh tkrh gsa dkåvj ikvhz] m ksx rfkk ns'kks ds dk;zdykiks dh lhekvks dks e fuvj fd;k tkrk gs rfkk {kfr lhekvks dh jksd] vksojukbv fyfev] Ms&ykbV fyfev] le;d~ vrj fyfev],dy vrj fyfev] fons'kh fofue; gsrq osy;w,sv fjld ¼oh,vkj½] vr:csd ysunsu rfkk fuos'k lhek vkfn ds ek/;e ls tksf[keks dks fu;f=r fd;k tkrk gsa csd ds cktkj tksf[ke çcu/ku ds fy, blds ikl dks"k rfkk vkflr ns;rk çcu/ku vfkkzr~,,y,e ds fy, i`fkd& i`fkd~ MSLdks ls ;qä,d fem v fql LFkkfir fd;k x;k gsa vkflr ns;rk çcu/ku lfefr csd dk cktkj tksf[ke çcu/k djus] nd to give wider coverge, the committee consists of one representtive ech from risk mngement deprtment, Credit Deprtment nd one representtive from n re not connected with credit. The proposls re deliberted in the Credit Committee from business objectives, risk mngement objectives, nd policies perspectives. The rting ctegory wise portfolio of lon ssets is reviewed on qurterly bsis to nlyze mix of qulity of ssets etc In order to provide robust risk mngement structure, the Credit Mngement nd Risk policy of the bnk ims to provide bsic frmework for implementtion of sound credit risk mngement system in the bnk. It dels with vrious res of credit risk, gols to be chieved, current prctices nd future strtegies. Though the bnk hs implemented the Stndrdized Approch of credit risk, yet the bnk shll continue its journey towrds dopting Internl Rting Bsed Approches.RBI hs come out with the finl guidelines on Implementtion of the Internl Rtings Bsed (IRB) Approches for clcultion of Cpitl Chrge for Credit Risk, vide their Circulr No. RBI/ /311 DBOD.No.BP.BC.67/ / dted Bnk hs lredy submitted its "Letter of Intent" followed by "Informtion Kit" to RBI indicting its willingness to migrte to IRB pproches. As such, the credit policy dels with short term implementtion s well s long term pproch to credit risk mngement. The policy of the bnk embodies in itself the res of risk identifiction, risk mesurement, risk grding techniques, reporting nd risk control systems /mitigtion techniques, documenttion prctice nd the system for mngement of problem lons. 3.2 Mrket Risk & Liquidity Risk The investment policy covering vrious spects of mrket risk ttempts to ssess nd minimize risks inherent in tresury opertions through vrious risk mngement tools. Brodly, it incorportes policy prescriptions for mesuring, monitoring nd mnging systemic risk, credit risk, mrket risk, opertionl risk nd liquidity risk in tresury opertions Besides regultory limits, the bnk hs put in plce internl limits nd ensures dherence thereof on continuous bsis for mnging mrket risk in trding book of the bnk nd its business opertions. Bnk hs prescribed entry level brriers, exposure limits, stop loss limits, VR limit, Durtion limits nd Risk Tolernce limit for trding book investments. Bnk is keeping constnt trck on Migrtion of credit rtings of investment portfolio. Limits for exposures to counter-prties, industry segments nd countries re monitored. The risks under Forex opertions re monitored nd controlled through Stop Loss Limits, Overnight limit, Dylight limit, Aggregte Gp limit, Individul gp limit, Vlue t Risk (VR) limit, Inter-Bnk deling nd investment limits etc For the Mrket Risk Mngement of the bnk, Mid-Office with seprte Desks for Tresury & Asset Libility Mngement (ALM) hs been estblished Asset Libility Mngement Committee (ALCO) is 101

104 rrlc/kh çfø;kvks] tksf[ke çcu/ku] dk;kzuo;u fofu;kedks }kjk tkjh ekxzn'khz funsz'kks] fo'o Hkj es O;oâr mrd`"v tksf[ke çcu/ ku] çfkkvks rfkk vkrfjd isjkehvjks] çfø;kvks] ds fy, mùkjnk;h gs vksj tksf[ke çcu/ku foosdh lhekvks dk ikyu djrh gsa vkflr ns;rk çcu/ku lfefr dks [kqnjk vfxzeks vksj tek mriknks ds ewy; r; djus rfkk chih,yvkj es l'kks/ku ds lq>ko dk dk;z lksik x;k gsa tksf[ke ds fo:) çfrj{kk mls de djus ds fy, uhfr ;k dk;zuhfr cukus rfkk mudh çhkko'khyrk dh tk p djus ds fy, vkflr ns;rk çcu/k lfefr dh csbdks es fopkj fd;k tkrk gs bl lc/k es vkflr ns;rk çcu/k lfefr ds fopkjks vksj vfuok;zrk ds vk/kkj ij çfrj{kk ds ckjs es dkjzokbz dh xbz gsa fofhkuu dky[kmks es vof'k"v ifjidork ij vk/kkfjr csesy ifjidork ds fy, vrj fo'ys"k.k ds ek/;e ls csd dh rjyrk tksf[ke ds ewy;kdu ds lkfk&lkfk fofhkuu rjyrk vuqikrks dks fy;k tkrk gs rfkk muds fy, fu/kkzfjr foosdh lhekvks ds Hkhrj budk çcu/ku fd;k tkrk gs A ncko ijh{k.k ¼LVªSl VsfLVx½] vuqdj.k ¼flE;qys'ku½] losnh fo'ys"k.k br;kfn tslh vfxze rduhdks ds vk/kkj ij fu;fer vrjkyks ls fo'ys"k.k fd, tkrs gs rkfd fofhkuu rjyrk ifjn`';ks ds vurxzr vkdfled fuf/k;ks dh ;kstuk rs;kj dh tk lds A 3-3 ifjpkyuxr tksf[ke csd us ifjpkyuxr tksf[ke ds çc/ku fy, lqj{kk dh 3 ifä;k viukbz gs A lqj{kk dh igyh ifä dk fofhkuu ç/kku dk;kzy; çhkkxks }kjk çfrfuf/kro gksrk gs] tks fu;=.k bdkbz;k ¼lh;w½] dkjksckj bdkbz;k ¼ch;w½ vfkok lefkzd bdkbz;k ¼,l;w½ gs A lqj{kk dh f}rh; ifä dk çfrfuf/kro ifjpkyuxr tksf[ke çc/ku fohkkx ¼vksvkj,eMh½ :i es Lor= dkikszjsv ifjpkyuxr tksf[ke çc/ku dk;z ¼lhvksvkj,Q½ }kjk ifjpkyu tksf[ke dk voyksdu djus ds fy, fd;k tkrk gs rfkk lqj{kk dh r`rh; ifä dk çfrfuf/kro fujh{k.k,o v fmv v fmv çhkkx }kjk fd;k tkrk gs tks igyh nks lqj{kk ifä;ks ds fy, pquksrh QD'ku gs A csd ds leiw.kz ifjpkyuxr tksf[ke çc/ku dk voyksdu djus ds fy, csd ds v/;{k,o çc/k funs'kd dh v/;{krk es ifjpkyuxr tksf[ke çc/ku lfefr ¼vks vkj,e lh½ xfbr dh xbz gs tks,d dk;zdkjh Lrjh; lfefr gs vksj lhkh dk;zikyd funs'kd rfkk çeq[k çhkkxh; ç/kku bl lfefr ds lnl; gs A lhkh ifjpkyukred tksf[ke igyw tsls,sfrgkfld vkrfjd gkfu MkVk br;kfn dk fo'ys"k.k ¼Hkkoh pwd?kvukvks] dh xbz /kks[k/km+h o MdSrh] cká gkfu?kvuk,½ frekgh vk/kkj ij vksvkj,elh ds le{k çlrqr fd;k tkrk gs A csd dh fofo/k xfrfof/k;ks vksj QD'ksuks es fufgr vksj vof'k"v tksf[keks ds fu/kkzj.k ds fy, fjld fmfløfi'ku pkvz ¼vkjMhlh½] okf"kzd tksf[ke,o fu;=.k LoewY;kdu ¼vkjlh,l,½ vksj çeq[k tksf[ke ldsrdks ¼dsvkjvkbZ½ dk Hkh ç;ksx fd;k tkrk gs vksj ifjpkyukred tksf[keks ds ls lcf/kr vko';d lq/kkjkreld dk;z 'kq: fd, x, gs A vkrfjd fu;=.k dq'ky dk çhkkoh ifjpkyukred tksf[ke çc/ku dh,d vko';d iwokzis{kk gs A csd us vius dk;zdykiks dh lr;rk] ifjpkyu fllveks dh mi;qä;rk vksj çc/kdh; uhfr;ks dh vuqikyuk lqfuf'pr djus ds fy, Li"V uhfr;k vksj lfof/k;k fu/kkzfjr dh gs A vkrfjd fu;=.k çhkkoh ys[kk ijh{kk dk;z dk iwjd gs tks lxbu ds Hkhrj fu;=.k ç.kkyh dk Lor= :i ls ewy;kdu djrk gs A primrily responsible for estblishing the mrket risk mngement nd sset libility mngement of the bnk, procedures thereof, implementing risk mngement guidelines issued by regultor, best risk mngement prctices followed globlly nd ensuring tht internl prmeters, procedures, prctices/policies nd risk mngement prudentil limits re dhered to. ALCO is lso entrusted with the job of fixing Bse rte nd pricing of dvnces & deposit products nd suggesting revision of BPLR to Bord The policies for hedging nd/or mitigting risk nd strtegies & processes for monitoring the continuing effectiveness of hedges/mitignts re discussed in ALCO nd bsed on views tken by / mndtes of ALCO, hedge dels re undertken Liquidity risk of the bnk is ssessed through gp nlysis for mturity mismtch bsed on residul mturity in different time buckets s well s vrious liquidity rtios nd mngement of the sme is done within the prudentil limits fixed thereon. Advnce techniques such s Stress testing, simultion, sensitivity nlysis etc. re used on regulr intervls to drw the contingency funding pln under different liquidity scenrios. 3.3 Opertionl Risk: The bnk dopts three lines of defense for mngement of opertionl risk, the first line of defense represented by Vrious HO Divisions which re Control Units(CU), Business Units(BU) or Support Units(SU); Second line of defense represented by independent Corporte Opertionl Risk Mngement Function (CORF) being Opertionl Risk Mngement Deprtment(ORMD) to oversee Opertionl Risk Mngement, nd the third lines of defense represented by Inspection & Audit Division/ Mngement Audit Division(IAD/MARD) which is chllenge function to the first two lines of defense. Opertionl Risk Mngement Committee (ORMC) heded by CMD with ll the EDs nd key divisionl heds s members is the Executive level committee to oversee the entire opertionl risk mngement of the bnk. All the opertionl risk spects like nlysis of historicl internl loss dt (including ner miss events, ttempted fruds & robberies, externl loss events), etc. re plced to the ORMC on qurterly bsis. Risk Description Chrts (RDCs), nnul Risk & Control Self Assessments (RCSAs) nd Key Risk Indictors (KRIs) re lso used to scertin the inherent nd residul risks in vrious ctivities nd functions of the bnk nd inititing necessry corrective ctions with respect to mngement/mitigtion of the opertionl risks. Internl Control is n essentil pre-requisite for n efficient nd effective opertionl risk mngement. Bnk hs clerly lid down policies nd procedures to ensure the integrity of its opertions, ppropriteness of operting systems nd complince with the mngement policies. The internl controls re supplemented by n effective udit function tht independently evlutes the control systems within the orgniztion. 102

105 3-4 _.k tksf[ke ds fy, iw thxr vis{kk, fueufyf[kr gs % ¼` djksm+ es½ ekud n`f"vdks.k ds v/khu iksvzqksfy;ks çfrhkwfrdj.k,dl ikstj 'kwu; 'kwu; 3-5 cktkj tksf[ke ds fy, iwthxr vis{kk, ¼ekudhÑr vof/k n`f"vdks.k ds vrzxr½ fueufyf[kr gs % ¼` djksm+ es½ tksf[ke Js.kh i) C;kt nj tksf[ke ii) fons'kh fofue; tksf[ke ¼Lo.kZ lfgr½ iii) bfdovh tksf[ke iv) ekudhñr vof/k n`f"vdks.k ds vurxzr cktkj tksf[keks ds fy, dqy iw th çhkkj ¼i + ii + iii½ 3-6 ewy ldsrd n`f"vdks.k ¼csfld bfmdsvj vçksp½ ds vurxzr ifjpkyuxr tksf[ke ds fy, iw th dh vko';drk fueufyf[kr gs % ¼` djksm+ es½ ifjpkyuxr tksf[ke ds fy, iw th dh vko';drk ewy ldsrd n`f"vdks.k csd ds,dy rfkk lewg vksj vuq"kfx;ks ds iw thxr vuqikr fueuor~ gs % itkc us'kuy csd ¼,dy½ lhvkj,vkj % 12-72% 12-63% lhvkj,vkj&vh;j&a iw th ¼%½ 9-76% 9-28% lhvkj,vkj&vh;j&aa iw th ¼%½ 2-96% 3-35% itkc us'kuy csd ¼lewg½ lhvkj,vkj % 13-16% 12-96% lhvkj,vkj&vh;j&a iw th ¼%½ 10-00% 9-40% lhvkj,vkj&vh;j&aa iw th ¼%½ 3-16% 3-56 vuq"kfx;k vuq"kxh dk uke lhvkj,vkj & Vh;j A lhvkj,vkj & Vh;j AA lhvkj,vkj ¼%½ iwth ¼%½ iwth ¼%½ ih,uch fxyv~l fyfevsm ih,uch gkmflx QkbuSl fyfevsm itkc us'kuy csd ¼bVjuS'kuy½ fy ih,uch buoslvesv lfozlst fyfevsm ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh Mªd ih,uch cs d fyfevsm ts,llh,lch ih,uch dtk[klrkyu ih,uch b';ksjsl czksfdx çk0-fy- ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ih,uch ykbq b';ksjsl deiuh fy- ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh Mh,Q4- _.k tksf[ke % lkeku; çdvhdj.k 4-1 ;fn fdlh _.k lqfo/kk ds vurxzr csd }kjk fu/kkzfjr ns; frffk ij dksbz jkf'k pqdkbz ugh tkrh rks og jkf'k vfrns; gksrh gsa blds 3.4 The cpitl requirements for credit risk re: (` in crores) Portfolios subject to stndrdised pproch Securitiztion exposure NIL NIL 3.5 The cpitl requirements for mrket risk (under stndrdised durtion pproch) re: (` in crores) Risk Ctegory i) Interest Rte Risk ii) Foreign Exchnge Risk (including Gold) iii) Equity Risk iv) Totl cpitl chrge for mrket risks under Stndrdised durtion pproch (i + ii + iii) 3.6. The cpitl requirement for opertionl risk under Bsic indictor pproch is : (` in crores) Cpitl requirement for opertionl risk Bsic indictor pproch The cpitl rtios of the bnk, (solo & group) nd subsidiries re: Punjb Ntionl Bnk (Solo) CRAR% 12.72% 12.63% CRAR - Tier I cpitl (%) 9.76% 9.28% CRAR - Tier II cpitl (%) 2.96% 3.35% Punjb Ntionl Bnk (Group) CRAR% 13.16% 12.96% CRAR - Tier I cpitl (%) 10.00% 9.40% CRAR - Tier II cpitl (%) 3.16% 3.56 Subsidiries : Nme of CRAR - Tier I CRAR - Tier II CRAR (%) subsidiry cpitl (%) cpitl (%) PNB Gilts Ltd PNB Housing Finnce Ltd Punjb Ntionl Bnk (Interntionl) Ltd PNB Investment Services Ltd. NA NA NA NA NA NA Druk PNB Bnk Ltd JSC SB PNB Kzkhstn PNB Insurnce Broking Pvt. Ltd. NA NA NA NA NA NA PNB Life Insurnce Co. Ltd. NA NA NA NA NA NA DF4. Credit risk : generl disclosures 4.1. Any mount due to the bnk under ny credit fcility is overdue if it is not pid on the due dte fixed by the bnk. 103

106 vykok] vilkeku; vkflr rc m/kkj ;k vfxze gksrk gs tc % (i) fdlh lkof/k _.k ds lecu/k es C;kt ewy/ku dh fdlr 90 fnuks ls vf/kd vof/k ds fy, vfrns; jgrh gsa (ii) fdlh vksoj Mªk ØsfMV ds lecu/k es 90 fnu ls vf/kd ds fy, [kkrk Bhd ugh jgrka [kkrk ml flfkfr es Bhd ugh ekuk tk;sxk ;fn & & cdk;k 'ks"k 'kfä ls fujurj T;knk jgrk gsa & mu ekeyks es tgk ewy/ku ifjpkyu [kkrs es cdk;k 'ks"k Lohd`r 'kfä ls de gs] fdurq rqyui= dh frffk dks yxkrkj 90 fnuks ds fy, dksbz ØsfMV ugh gs vfkok mlh vofèk ds nksjku MsfcV fd, tkus okys C;kt dks doj djus ds fy, i;kzir ØsfMV miyc/k ugh gs A (iii) [kjhns x, vksj Hkquk, x, fcyks ds ekeys es fcy 90 ls T;knk fnuks dh vof/k ds fy, vfrns; jgrk gs A (iv) fdlr ;k ewy/ku ;k ml ij C;kt y?kq vof/k okyh nks Qlyh eksleks ds fy, vfrns; jgrk gs vksj yech vof/k dh Qlyks ds fy, ewy/ku dh fdlr ;k ml ij C;kt,d Qlyh eksle ds fy, vfrns; jgrk gsa _.k tksf[ke çcu/ku ds fy, csd }kjk _.k vuqeksnu çkfèkdkjh] foosdh _.k lhekvks] vks ksfxd _.k lhekvks] _.k tksf[ke jsfvx ç.kkyh] tksf[ke vk/kkfjr ewy;u rfkk _.k leh{kk i)fr;ks dks mik; Lo:i ç;ksx es yk;k tkrk gsa csd dh _.k çcu/ku rfkk tksf[ke uhfr es bu lhkh mik;ks dk myys[k fd;k x;k gsa lef"v Lrj ij ns[ks rks uhfr lecu/kh nlrkost csd ds n`f"vdks.k dks le>us] ekius vksj O;ofLFkr djus dk,d,slk lk/ku gs ftlls _.k lecu/kh tksf[keks dk lpkyu fd;k tk ldrk gs vksj ;g lqfuf'pr fd;k tk ldrk gs fd _.k nsus vksj tksf[ke dk çcu/k djus ds le; _.k iksvzqksfy;ks dks LoLFk j[kk tk ldrk gsa çr;sd _.kh ds _.k tksf[ke dks,sls uktqd e Myks ds ek/;e ls ukik tkrk gs ftuds vk/kkj ij fu;fer :i ls ijh{k.k djrs gq, _.k fo'ks"k dh Hkkoh flfkfr dk vnktk yxk;k tk ldrk gsa 4-2 dqy ldy _.k tksf[ke fueuor~ gs % ¼` djksm+ es½ Js.kh fuf/k vk/kkfjr xsj&fuf/k vk/kkfjr _.kks dk HkkSxksfyd lforj.k fueuor~ gs % ¼` djksm+ es½ Js.kh fons'k es?kjsyw fuf/k vk/kkfjr xsj&fuf/k vk/kkfjr ¼d½ _.kks dk m ksxokj lforj.k ¼fuf/k vk/kkfjr½ fueuor~ gs % ¼` djksm+ es½ Øe l m ksx dksm 1 1 dks;yk [kku yksgk,o blikr vu; esvy,o esvy mrikn Further, n impired sset is lon or n dvnce where: (i) interest nd/or instllment of principl remins overdue for period of more thn 90 dys in respect of term lon. (ii) the ccount remins out of order in respect of n overdrft/csh credit for period of more thn 90 dys. Account will be treted out of order, if: - the outstnding blnce remins continuously in excess of the limit/drwing power. - in cses where the outstnding blnce in the principl operting ccount is less thn the snctioned limit/drwing power, but there re no credits continuously for 90 dys s on the dte of blnce sheet or credits re not enough to cover the interest debited during the sme period. (iii) in cse of bills purchsed & discounted, the bill remins overdue for period of more thn 90 dys. (iv) the instllment or principl or interest thereon remins overdue for two crop sesons for short durtion nd the instllment of principl or interest thereon remins overdue for one crop seson for long durtion crops. Credit pproving uthority, prudentil exposure limits, industry exposure limits, credit risk rting system, risk bsed pricing nd lon review mechnisms re the tools used by the bnk for credit risk mngement. All these tools hve been defined in the Credit Mngement & Risk Policy of the bnk. At the mcro level, policy document is n embodiment of the Bnk's pproch to understnd, mesure nd mnge the credit risk nd ims t ensuring sustined growth of helthy lon portfolio while dispensing the credit nd mnging the risk. Credit risk is mesured through sophisticted models, which re regulrly tested for their predictive bility s per best prctices The totl gross credit risk exposures re: (` in crores) Ctegory Fund Bsed Non Fund Bsed The geogrphic distribution of exposures is: Ctegory Overses Domestic (` in crores) Fund Bsed Non-fund bsed () Industry type distribution of exposures (Fund Bsed) is s under: (` in crores) S. Code INDUSTRY No Col Mining Iron nd Steel Other Metl & Metl Products

107 5 5 vky bthfu;fjx ftles ls ¼005½ bysdvªkfudl bysdvªhflvh dkvu VSDlVkbyl twv VSDlVkbyl vu; VSDlVkbyl phuh pk; QwM çkslsflx osftvscy v ;y,o oulifr rckdw,o rckdw mrikn isij,o isij mrikn jcm vksj jcm mrikn dsfedy MkbZ isv~l vkfn ftues ls QVhZykbtj ftues ls isvªksdsfedyl ftues ls MªXl vksj QkesZlh lecu/kh lhesv pem+k,o pem+k mrikn jru vksj vkhkw"k.k fuekz.k isvªksfy;e Vªdks lfgr vkvkseksckby di;wvj l Vos;j buýklvªdpj bues ls i oj bues ls VsfydEI;qfuds'ku 25-3 bues ls lm+ds vksj cnjxkg 26 26,uch,Qlh VªsfMx vu; m ksx tksm vof'k"v vu; vfxze dqy tksm vks ksfxd _.k ldy fuf/k vk/kkfjr _.kks ds 5% ls vf/kd gs 1-3 v ;ju,m LVhy vk/kkjhkwr ljpuk ,uch,Qlh [k- _.kks dk vks ksfxd lforj.k ¼xSj fuf/k vk/kkfjr½ fueuor~ gs % ¼` djksm+ es½ Øe l m ksx dksm 1 1 dks;yk [kku vk;ju,o LVhy vu; esvy,o esvy mrikn 5 5 vky bthfu;fjx ftles ls ¼005½ bysdvªkfudl bysdvªhflvh dkvu VSDlVkbyl ALL ENGINEERING Of which (005) Electronics ELECTRICITY COTTON TEXTILES JUTE TEXTILTES OTHER TEXTILES SUGAR TEA FOOD PROCESSING VEGETABLE OILS AND VANASPATI TOBACCO & TOBACCO PRODUCTS PAPER & PAPER PRODUCTS RUBBER & RUBBER PRODUCTS CHEMICALS, DYES, PAINTS, ETC Of which Fertilizers Of which Petrochemicls Of which Drugs & Phrmceuticls CEMENT LEATHER & LEATHER PRODUCTS GEMS AND JEWELLERY CONSTRUCTION PETROLEUM AUTOMOBILES INCLUDING TRUCKS COMPUTER SOFTWARE INFRASTRUCTURE Of which Power Of which Telecommunictions 25.3 Of which Rods & Ports NBFCs TRADING OTHER INDUSTRIES TOTAL Residury Other Advnces GRAND TOTAL Industry exposure is more thn 5% of gross fund bsed exposure 1. 3 IRON AND STEEL INFRASTRUCTURE NBFC (b) Industry type distribution of exposures (Non Fund Bsed) is s under: (` in crores) S. Code INDUSTRY No. 1 1 COAL MINING IRON AND STEEL OTHER METAL & METAL PRODUCTS 5 5 ALL ENGINEERING Of which (005) Electronics 6 6 ELECTRICITY COTTON TEXTILES

108 8 8 twv VSDlVkbyl vu; VSDlVkbyl phuh pk; QwM çkslsflx osftvscy v ;y,o oulifr rckdw,o rckdw mrikn isij,o isij mrikn jcm vksj jcm mrikn dsfedy MkbZ is V~l vkfn ftues ls QVhZykbtj ftues ls isvªksdsfedyl ftues ls MªXl vksj QkesZlh lecu/kh lhesv pem+k,o pem+s mrikn jru vksj vkhkw"k.k fuekz.k isvªksfy;e Vªdks lfgr vkvkseksckby di;wvj l Vos;j buýklvªdpj bues ls i oj bues ls Vsyhd;qfuds'ku bues ls lm+ds vksj cnjxkg ,uch,Qlh VªsfMx vu; m ksx tksm vof'k"v vu; vfxze dqy tksm m ksx tgk xsj fuf/kd cdk;k ldy xsj fuf/kd cdk;k ds 5% ls vf/kd gs 1-3 v ;ju,m LVhy VsªfMx lhkh bthfu;fjx vk/kkjhkwr ljpuk vkflr;ks dk vof'k"v lfonkxr ifjidork czsd&mkmu fueuor~ gs % ¼` djksm+ es½ ifjidork dh fof/k vfxze* fuos'k ¼ldy½ fons'kh eqæk vkflr;k * vkxkeh fnu ¼ ½ ¼3-58½ ¼ ½ 2 fnu & 7 fnu ¼ ½ ¼843-30½ ¼ ½ 8 ls 14 fnu ¼ ½ ¼174-58½ ¼ ½ 15 ls 28 fnu ¼ ½ ¼248-55½ ¼ ½ 29 fnu ls 3 ekg ¼ ½ ¼ ½ ¼ ½ 3 ekg ls vf/kd rfkk ekg rd ¼ ½ ¼ ½ ¼ ½ 8. 8 JUTE TEXTILTES OTHER TEXTILES SUGAR TEA FOOD PROCESSING VEGETABLE OILS AND VANASPATI TOBACCO & TOBACCO PRODUCTS PAPER & PAPER PRODUCTS RUBBER & RUBBER PRODUCTS CHEMICALS, DYES, PAINTS, etc Of which Fertilizers Of which Petrochemicls Of which Drugs & Phrmceuticls CEMENT LEATHER & LEATHER PRODUCTS GEMS AND JEWELLERY CONSTRUCTION PETROLEUM AUTOMOBILES INCLUDING TRUCKS COMPUTER SOFTWARE INFRASTRUCTURE Of which Power Of which Telecommunictions Of which Rods & Ports NBFCs TRADING OTHER INDUSTRIES TOTAL Residury Other Advnces GRAND TOTAL Industry where fund bsed outstnding is more thn 5% of gross fund bsed outstnding 1. 3 IRON AND STEEL TRADING ALL ENGINEERING INFRASTRUCTURE The residul contrctul mturity brek down of ssets is: (` in crores) Mturity Pttern Advnces* Investments Foreign Currency (gross) Assets* Next dy ( ) (3.58) ( ) 2-7 dys ( ) (843.30) ( ) 8-14 dys ( ) (174.58) ( ) dys ( ) (248.55) ( ) 29dys - 3months ( ) ( ) ( ) >3months-6months ( ) ( ) ( ) 106

109 6 ekg ls vf/kd rfkk o"kz rd ¼ ½ ¼ ½ ¼ ½ 1 o"kz ls vf/kd rfkk o"kz rd ¼ ½ ¼ ½ ¼ ½ 3 o"kz ls vf/kd rfkk o"kz rd ¼ ½ ¼ ½ ¼ ½ 5 o"kz ls vf/kd ¼ ½ ¼ ½ ¼ ½ tksm ¼ ½ ¼ ½ ¼ ½ * v dm+s fuoy vk/kkj ij n'kkz, x, gs A ¼dks"Bdks es fn, x, v dm+s finys o"kz ds gs½ 4-6 ldy,uih, bl çdkj gs % ¼` djksm+ es½ Js.kh voekud lfnx/k & lfnx/k & lfnx/k & gkfu dqy,uih, ¼ldy½ 'kq),uih, dh jkf'k fueufyf[kr gsa ¼` djksm+ es½ fooj.k 'kq),u ih, ,uih, ds vuqikr fueu çdkj gs %,u ih, vuqikr ldy vfxzeks dh rqyuk es ldy,u ih, % 4-27% 2-93% 'kq) vfxzeks dh rqyuk es 'kq),u ih, % 2-35% 1-52% 4-9 ldy,uih, dk?kv&c<+ fueu çdkj gs % ¼` djksm+ es½ ldy,u ih, dk?kv&c< i) o"kz ds çkjehk es vkjfehkd 'ks"k ii) o"kz ds nksjku o`f) iii) o"kz ds nksjku deh iv) o"kz ds vr es bfr'ks"k ¼i + ii - iii½ ,uih, ds fy, çko/kku dk?kv&c<+ fueu çdkj gs % ¼` djksm+ es½,u ih, ds fy, çko/kku dk?kv&c< i) o"kz ds çkjehk es vkjfehkd 'ks"k ii) o"kz ds nksjku fd, x, çko/kku iii) o"kz ds nksjku cês [kkrs Mkys x, iv) o"kz ds nksjku fd, x, vfrfjä çko/kkuks dh çfrys[ku O;oLFkk v) o"kz ds vr es bfr'ks"k ¼i + ii - iii-iv½ >6months-1yr ( ) ( ) ( ) >1yr-3yrs ( ) ( ) ( ) >3yrs-5yrs ( ) ( ) ( ) >5yrs ( ) ( ) ( ) Totl ( ) ( ) ( ) * Figures re shown on net bsis. (Figures in brckets relte to previous yer) 4.6. The gross NPAs re: (` in crores) Ctegory Sub Stndrd Doubtful Doubtful Doubtful Loss Totl NPAs (Gross) The mount of net NPAs is: (` in crores) Prticulrs Net NPA The NPA rtios re s under: NPA Rtios % of Gross NPAs to Gross Advnces 4.27% 2.93% % of Net NPAs to Net Advnces 2.35% 1.52% 4.9. The movement of gross NPAs is s under: (` in crores) Movement of gross NPAs i) Opening Blnce t the beginning of the yer ii) Addition during the yer iii) Reduction during the yer iv) Closing Blnce s t the end of the yer (i + ii - iii) The movement of provision for NPAs is s under: (` in crores) Movement of provision for NPAs i) Opening Blnce t the beginning of the yer ii) Provisions mde during the yer iii) Write-off mde during the yer iv) Write -bck of excess provisions mde during the yer v) Closing Blnce s t the end of the yer (i + ii - iii-iv)

110 4-10xSj fu"iknd fuos'k dh jkf'k fueufyf[kr gs % ¼` djksm+ es½ fooj.k xsj fu"iknd fuos'k dh jkf'k xsj fu"iknd fuos'k ds çko/kku gsrq j[kh x;h jkf'k fueufyf[kr gs% ¼` djksm+ es½ fooj.k xsj fu"iknd fuos'k ds çko/kku dh jkf'k fuos'k ij ºzkl ds fy;s çko/kkuks ds?kvc<+ dh flfkfr bl çdkj gs % ¼` djksm+ es½ fuos'k ij ºzkl ds fy;s çko/kkuks ds?kv&c<+ dh flfkfr i) o"kz ds çkjehk es vkjfehkd 'ks"k ii) o"kz ds nksjku fd, x, çko/kku iii) o"kz ds nksjku cês [kkrs Mkys x, iv) o"kz ds nksjku fd, x, vfrfjä çko/kkuks dk çfrys[ku djuk v) o"kz ds vr es bfr'ks"k ¼i + ii -iii-iv½ Mh,Q5- _.k tksf[ke % ekud n`f"vdks.k ds v/;/khu iksvzqksfy;ks xq.kkred çdvhdj.k 5-1 csd us Hkkjrh; fjtoz csd }kjk fueufyf[kr p;fur?kjsyw ØsfMV jsfvx,ts fl;ks dks vuqeksfnr fd;k gs rkfd _.k tksf[ke ds ekud n`f"vdks.k ds vurxzr?kjsyw _f.k;ks ds çfr csd ds tksf[ke dks ekik tk lds % & føfly & ds;j & bfm;k jsfvxl & vkbzlhvkj, & fczd odz &,l,ebzvkj, csd us fons'k flfkr _f.k;ks ds _.kks ds lecu/k es Hkkjrh; fjtoz csd }kjk eku; fueufyf[kr 3 vurjkz"vªh; _.k ewy;k du,tsfl;ks dks Hkh vuqeksfnr fd;k gs % & LVS.MMZ,M iqvj & ewmht & fqp fuf/k xsj&fuf/k vk/kkfjr _.k lqfo/kkvks ds ewy;kdu ds fy, bu,tsfl;ks dh lsok, yh tkrh gsa bu pquh x;h _.k ewy;k du,ts fl;ks ls çkir ewy;k duks dk csd }kjk ç;ksx fd;k tkrk gs A ifcyd Mksesu es miyc/k jsfvx dks bl fo"k; ij Hkkjrh; fjtoz csd }kjk tkjh ekxzfunsz'kks ds vuqlkj ç;ksx fd;k tkrk gs A 5-2 fofhkuu tksf[ke oxksz es ¼ekud n`f"vdks.k ds v/;/khu½ tksf[ke çcuèku ds mijkur flfkr _.k jkf'k fueuor~ gs % The mount of non-performing investment is: (` in crores) Prticulrs Amount of non-performing investment The mount of provisions held for non-performing investment is: (` in crores) Prticulrs Amount of provision held for non-performing investment The movement of provisions for deprecition on investments is s under: (` in crores) Movement of provisions for deprecition on investments i) Opening blnce t the beginning of the yer ii) Provisions mde during the yer iii) Write-off mde during the yer iv) Write-bck of excess provisions mde during the yer v) Closing blnce s t the end of the yer (i + ii -iii-iv) DF5. Credit Risk: Portfolios subject to the Stndrdized Approch Qulittive disclosures 5.1. Bnk hs pproved the following 6 domestic credit rting gencies ccredited by RBI for mpping its exposure with domestic borrowers under stndrdized pproch of credit risk. - CRISIL - CARE - Indi Rtings - ICRA - Brickwork - SMERA Bnk hs lso pproved the following 3 interntionl credit rting gencies ccredited by RBI in respect of exposure with overses borrowers - Stndrd & Poor - Moody's - FITCH These gencies re being used for rting (Long Term & Short Term) of fund bsed/ non fund bsed fcilities provided by the bnk to the borrowers. The bnk uses solicited rting from the chosen credit rting gencies. The rtings vilble in public domin re mpped ccording to mpping process s envisged in RBI guidelines on the subject The exposure mounts fter risk mitigtion (subject to the stndrdized pproch) in different risk buckets re s under: 108

111 ¼` djksm+ es½ fooj.k i) 100% ls de tksf[ke Hkkj cdk;k ii) 100% tksf[ke Hkkj cdk;k iii) 100% T;kenk tksf[ke Hkkj cdk;k iv) dvksrh 'kwu; 'kwu; Mh,Q6- _.k tksf[ke de djuk % ekudhñr n`f"vdks.k ds fy, çdvhdj.k xq.kkred çdvhdj.k 6-1 csd us funs'kd e.my }kjk vuqeksfnr ^_.k tksf[ke U;wuhdj.k rfkk likf'ozd çcu/ku uhfr^ ykxw dh gs ftles vu; ckrks ds lkfk&lkfk foùkh; likf'ozdks lfgr fofhkuu likf'ozdks lecu/kh uhfr;k vksj rqyu&i= ds fu/kkzj.k dh çfø;k Hkh 'kkfey gsa 6-2 csd }kjk lkeku; rksj ls tksf[ke de djus gsrq ¼ekud n`f"vdks.k ds vurxzr iw th dh x.kuk ds fy,½ ç;qä fd, tkus okys likf'ozdks es foùkh; likf'ozd ¼vFkkZr~ csd tek jkf'k;k ] çfrhkwfr;k ] thou chek i fyfl;k ] Lo.kZ tsojkr] E;wpqvy QMks ds ;wfuv br;kfn½] fofhkuu Jsf.k;ks dh py,o vpy Hkwfe lifùk;k br;kfn gsa mi;qä l Vos;j rs;kj djds mu likf'ozd çfrhkwfr;ks ds lgh ewy;kdu dh x.kuk ds fy,,d folr`r çfø;k cukbz xbz gsa 6-3 iw th lecu/kh vko';drkvks dh x.kuk ds fy, csd,slh xkjfv;k ysrk gs tks çr;{k] Li"V] vçfrns; vksj 'krzjfgr gksa iw th dh x.kuk ds fy,,slh xkjfv;ks dk mi;ksx bl lc/k es iwjh rjg ls Hkkjrh; fjtoz csd ds ekxzfunsz'kks ds vuqlkj fd;k tkrk gsa 6-4 csd }kjk yh xbz vf/kdk'k foùkh; likf'ozd çfrhkwfr;k ;k rks csd dh viuh tek jkf'k;k gksrh gs vfkok ljdkjh çfrhkwfr;k gksrh gs ftudh olwyh es dksbz lel;k ugh gksrha bl çdkj likf'ozd çfrhkwfr;k dh fdle ds dkj.k dksbz tksf[ke ugh gksrka 6-5 çdv _.k tksf[ke iksvzqksfy;ks ds fy, ¼ekud n`f"vdks.k ds vurxzr½ dqy ifjlhek dvksrh ls fueufyf[kr vko`ùk gs % ¼` djksm+ es½ d½ vyx ls çdv fd, x, çr;sd _.k tksf[ke iksvzqksfy;ks ds fy, dqy tksf[ke ¼tgk ykxw gks mlds ckn rqyu&i= ds lek/kku ds iwoz vfkok i'pkr~½ tks dvksrh ds ckn ik= foùkh; likf'ozd jkf'k }kjk çfrhkwr gsa [k½ vyx ls çdv fd, x, çr;sd _.k tksf[ke iksvzqksfy;ks ds fy, dqy tksf[ke ¼tgk ykxw gks mlds ckn rqyu&i= ds lek/kku ds iwoz vfkok i'pkr½ tks dvksrh ds ckn _.k MsfjosfVoks }kjk çfrhkwr gs ¼tgk Li"V :i ls Hkkjrh; fjtoz csd }kjk vuqefr nh x;h gks½a (` in crores) Prticulrs i) Below 100% risk weight exposure outstnding ii) 100% risk weight exposure outstnding iii) More thn 100% risk weight exposure outstnding iv) Deducted NIL NIL DF6. Credit Risk Mitigtion: disclosures for stndrdized pproches Qulittive disclosures 6.1. Bnk hs put in plce Bord pproved 'Credit Risk Mitigtion nd Collterl Mngement Policy' which, interli, covers policies nd processes for vrious collterls including finncil collterls nd netting of on nd off blnce sheet exposure The collterls used by the Bnk s risk mitignts (for cpitl clcultion under stndrdized pproch) comprise of the finncil collterls (i.e. bnk deposits, govt./postl securities, life policies, gold jewellery, units of mutul funds etc.). A detiled process of clcultion of correct vlution nd ppliction of hircut thereon hs been put in plce by developing suitble softwre Gurntees, which re direct, explicit, irrevocble nd unconditionl, re tken into considertion by Bnk for clculting cpitl requirement. Use of such gurntees for cpitl clcultion purposes is strictly s per RBI guidelines on the subject Mjority of finncil collterls held by the Bnk re by wy of own deposits nd government securities, which do not hve ny issue in reliztion. As such, there is no risk concentrtion on ccount of nture of collterls The totl exposure for disclosed credit risk portfolio (under the stndrdized pproch) is covered by: (` in crores) ) For ech seprtely disclosed credit risk portfolio, the totl exposure (fter, where pplicble, on or off blnce sheet netting) tht is covered by eligible finncil collterl fter the ppliction of hircuts b) For ech seprtely disclosed, the totl exposure (fter, where pplicble, on or off blnce sheet netting) tht is covered by gurntees/ credit derivtives (wherever specificlly permitted by RBI)

112 Mh,Q7- çfrhkwfrdj.k % ekud n`f"vdks.k 7-1 csd dk dksbz çfrhkwfrdj.k _.k tksf[ke ugh gsa Mh,Q8- VªsfMx cqd es cktkj tksf[ke 8-1 Hkkjrh; fjtoz csd }kjk fu/kkzfjr ekudhñr ekiu i)fr ¼vof/k vkèkkfjr½ dks csd us cktkj tksf[ke ds iw th çhkkj dh x.kuk ds fy, viuk fy;k gsa Hkkjrh; fjtoz csd ds ekxzfunsz'kks ds vuqlkj ekudhñr ekiu i)fr dk iw.kz:isu ikyu djrs gq, n`f"vdks.k vkèkkfjr tksf[ke ewy; ¼oh, vkj½ e My ds fy, rs;kj dj jgk gs ftlds dk;kzuo;u dh rs;kjh py jgh gsa 8-2 cktkj tksf[ke ds fy, iwthxr vis{kk, fueukuqlkj gs % ¼` djksm+ es½ tksf[ke Js.kh i) C;kt nj tksf[ke ii) bfdovh tksf[ke iii) fons'kh fofue; tksf[ke ¼Lo.kZ lfgr½ iv) ekudhñr vof/k n`f"vdks.k ds vurxzr cktkj tksf[keks ds fy, dqy iw th çhkkj ¼i+ii+iii½ DF7. Securitiztion: Stndrdized Approch Bnk does not hve ny securitiztion exposure. DF8. Mrket Risk in Trding Book 8.1. RBI prescribed Stndrdized Mesurement Method (durtion bsed) for computtion of cpitl chrge for mrket risk hs been dopted by Bnk. Being fully complint with Stndrdized Mesurement Method s per RBI guidelines, now Bnk is prepring for the Internl Model Approch (Advnced Approch on Mrket risk) bsed on Vlue t Risk (VR) model, which is under implementtion The cpitl requirements for mrket risk re s under: (` in crores) Risk Ctegory i) Interest Rte Risk ii) Equity Risk iii) Foreign Exchnge Risk (including Gold) iv) Totl cpitl chrge for mrket risks under Stndrdised durtion pproch (i+ii+iii) Mh,Q 9-ifjpkyuxr tksf[ke 9-1 Hkkjrh; fjtoz csd ds fn'kk funsz'kkuqlkj csd ewy ldsrd n`f"vdks.k ¼ch vkbz,½ ds vurxzr ls ifjpkyuxr tksf[ke ds fy, iw th dk j[kj[kko dj jgk gsa ch vkbz, ds vuqlkj dh flfkfr ds vuqlkj iw thxr vis{kk #i;s djksm+ gsa cs d us vxys muur n`f"vdks.k vfkkzr~ ekudhñr n`f"vdks.k djus ds fy, ekbzxz s'ku gsrq Hkkjrh; fjtoz cs d dks vkosnu fd;k Fkk vksj Hkkjrh; fjtoz cs d us chvkbz, ds vrxzr Vh,l, dks vfre vuqefr nsus rd iw th çhkkj dks Mh,l, dks lekukrj pykus dh vuqefr nh FkhA Mh,Q10- csfdx cqd es C;kt nj tksf[ke ¼vkbZ vkj vkj ch ch½ 10-1 C;kt nj tksf[ke dk çcu/ku vurj fo'ys"k.k rfkk vof/k vurj fo'ys"k.k ds ek/;e ls fd;k tkrk gsa cs fdx cqd rfkk Vª sfmx cqd ds C;kt nj tksf[ke dk fu/kkzj.k djus ds fy, ekfld vrjkyks ij vrj fo'ys"k.k fd;k tkrk gs A fuoy C;kt vk; ¼,u vkbz vkbz½] fuoy C;kt ekftzu ¼,u vkbz,e½ U;wure vkj vks, rfkk cs d ds fy, U;wure vof/k vurj ij çhkko ds fy, foosdh lhek, fu/kkzfjr dh xbz gs A ço`fùk;ks ds v/;;u es _.k ds iwoz Hkqxrku es fufgr fodyi dk çhkko crk;k tkrk gsa vkflr;ks rfkk ns;rkvks nksuks ds vflfkj,o flfkj Hkkxks dk fu/kkzj.k djus ds fy, mudh ço`fùk;ks dk v/;;u fd;k tkrk gsa DF 9. Opertionl Risk 9.1. As per RBI directives, the bnk hs been mintining cpitl for opertionl risk under Bsic Indictor pproch (BIA) w.e.f The cpitl requirement s per BIA is ` crores s on Bnk hd pplied to RBI for migrtion to the next dvnced pproch viz."the Stndrdized Approch (TSA) nd RBI hd permitted prllel run of TSA dvising bnk to continue to mintin cpitl chrge under BIA till such time finl permission is grnted by them for TSA. DF10. Interest Rte Risk in the Bnking Book (IRRBB) 10.1.The interest rte risk is mnged through gp nlysis nd durtion gp nlysis. Durtion gp nlysis is being crried out t monthly intervls to ssess the interest rte risk of both bnking book nd trding book. Prudentil limits hve been fixed for impct on Net Interest Income (NII), Net Interest Mrgin (NIM), minimum ROA & minimum durtion gp for the bnk. Behviorl studies re being done for ssessing nd pportioning voltile nd non-voltile portion of vrious nonmturity products of both ssets nd libilities. 110

113 10-2 viuk, tkus okys rjhds fueuor~ gs % vtzu n`f"vdks.k & ¼C;kt nj losnu'khyrk & fuoy vurj½ rkfydk &1 % C;kt nj losnu'khyrk & fuoy vurj ifjidork vof/k vurj vof/k vu; fuoy vrj dqy dqy (vkj,l,& mrikn* vkflr;k vkflr;k vkj,l,y) ¼C;ktnj½ (1+2) es fuoy ¼` djksm+ es½ ¼` djksm+ es½ ¼` djksm+ es½ vrj%rk &28 fnu % 29 fnu & 3 ekg % 3 ls > 6 ekg % 6 ls > 12 ekg % 1 ls > 3 o"kz % 3 ls > 5 o"kz % 5 o"kz ls vf/kd % * vu; mriknks es lfeefyr gs% ok;nk nj djkj ¼,Q vkj,½] vnyk cnyh ¼Loki½] Hkkoh lksns ¼ ;wplz½] fodyi ¼vkI'kl½ rfkk vu; O;qRiUu ¼MsfjosfVOl½ vkflr;ks vksj ns;rkvks dk iquewzy; fu/kkzj.k ds vuqeku Hkk-fj-cSd ds ekxzfunsz'kks ds vuqlkj fd, tkrs gsa yksfvx nj vfxzeks ds lc/k es,slk ekuk tkrk gs fd mudk iquewzy; fu/kkzj.k 29 fnu ls 3 eghus ds Hkhrj gksxka tksf[ke;qä vtzu%,uvkbzvkbz ij C;ktnj es 0-5% çfrdwy ifjorzu dk çhkko ¼` djksm+ es½ 'ks"k vof/k 0-5% dh nj ls,uvkbzvkbz ij çfrdwy ifjorzu dk vuqekfur çhkko 6 ekl rd ` o"kz dh vof/k rd ` vkffkzd ewy; n`f"vdks.k vkffkzd ewy; vfkkzr~ vkffkzd ewy; ij C;kt nj es 200 chih,l dh C;ktnj es ifjorzu ds dkj.k iw thxr fuf/k ij gksus okys çhkko dk vof/k vrj i)fr ds ek/;e ls fu;fer vrjky ij ewy;kdu fd;k tkrk gs A ifjlifùk,o ns;rkvks ds 'kq) vofèk vrj ds fy, lhek dh foosdiw.kz 'ksyh fu/kkzfjr dh xbz gs vksj fu;fer vrjky ij bls e fuvj fd;k tkrk gsa The tools used re: Erning Approch - (Interest rte sensitivity Sttement- Net Gps) Tble 1: Interest rte sensitivity - net gps Mturity Period Gp Other Net Gp Totl Net Gps Products* Assets s % to (RSA-RSL) (Intt. rte) (1+2) Totl (`in crores) (`in crores) (`in crores) Assets dys % 29 dys - 3 months % >3 to 6 months % >6 to 12 months % >1 to 3 yrs % >3 to 5 yrs % Over 5 yers % * Other products include: FRAs, Swps, Futures, Options & other derivtives The repricing ssumptions on ssets nd libilities re tken s per RBI guidelines. The floting rte dvnces re ssumed to be repriced in 29 dys to 3 months bucket. Erning t Risk: Impct of 0.5 % dverse chnge in interest rte on NII. Remining Period Up to 6 months ` Up to 1 yer ` (` in crores) Estimted impct on NII with dverse chnge in rte of interest by 0.50% Economic Vlue Approch The economic vlue i.e. impct on the cpitl fund due to chnge in interest rte by 200 bps on the economic vlue is ssessed on regulr intervls through durtion gp method. As prudentil mesure, limit hs been fixed for net durtion gp of the ssets nd libilities nd the sme is monitored t regulr intervls 111

114 fuxfer 'kklu dh fjiksvz 1- fuxfer 'kklu dk n'kzu 'kkl= csd us mùkjnkf;ro] ikjnf'kzrk] lkekftd nkf;ro] çpkyu dk;z&dq'kyrk vksj lokszùke usfrd dkjksckjh O;ogkjks ds mpp ekudks ds ek/;e ls vius lhkh dk;kzred {ks=ks es fuxfer 'kklu es v{kj'k% ikyu fd;k gsa csd vius lhkh 'ks;j/kkjdks ds çfr muds fgrks dh j{kk djus vksj 'ks;j/kkjdks ds ewy;ks es vf/kdre o`f) djus ds fy;s çfrc) gsa csd dh fofu;ked vis{kkvks dh vuqikyuk lqfuf'pr djus ds fy, lqifjhkkf"kr uhfr;k vksj çfø;k;s gsa emy vksj dk;zikyd çc/ku ds dk;z lqifjhkkf"kr gs vksj,d nwljs ls i`fkd~ gsa csd ds emy vksj emy dh fofhkuu milfefr;ks dh le; ij fuxjkuh vksj ;g lqfuf'pr djus ds fy, csbds gksrh gs fd csd ds dk;zikydks }kjk fy, x, fu.kz; fu/kkzfjr uhfr;ks ds vuqlkj gs vksj lhkh 'ks;j/kkjdks ds lokszùke fgr es gsa 2-1 funs'kd e.my cksmz dk xbu csddkjh fofu;eu vf/kfu;e 1949 ds lc) çko/kkuks ] csddkjh deifu;k ¼miØeks dk vtzu,o vrj.k½ vf/kfu;e] 1970 ;Fkk l'kksf/kr] vksj jk"vªh;ñr csd ¼çc/ku,o fofo/k çko/kku½ ;kstuk] 1970] ;Fkkl'kksf/kr ds vuqlkj fd;k x;k gsa ds vuqlkj funs'kd emy dh ljpuk Ø- funs'kd dk uke fu;qfä Js.kh csd ds cksmz dh csd ds cksmz dh vu; deifu;ks funs'kd }kjk l- frffk mi lfefr;ks mi lfefr;ks dh es ys[kk ijh{kk èkkfjr 'ks;jks es lnl;rk vè;{krk lfefr,o dh l- funs'kdks dh f'kdk;r lfefr dh lnl;rk 1- Jh ds vkj dker dk;zikyd 'kwu; 'kwu; v/;{k,o çcu/k funs'kd 2- Jh jkds'k lsbh dk;zikyd 16 5 'kwu; 'kwu; dk;zikyd funs'kd 3- Jherh m"kk vurlqczã.;u] dk;zikyd 16 'kwu; 'kwu; 'kwu; dk;zikyd funs'kd 4- Jh,l-vkj-cly dk;zikyd 16 'kwu; 'kwu; 'kwu; dk;zikyd funs'kd 5- Jh vuqjkx tsu xsj dk;zikyd 10 2 &jk"vªh; vkokl csd ¼Hkkjr ljdkj ds ukferh½ & flpkbz,o ty llk/ku 'kwu; foùk fuxe fy- &jk"vªh; chek deiuh fy- & vkbz,qlhvkbz 6- Jh,u,l fo'oukfku xsj dk;zikyd 5 'kwu; 'kwu k 'kwu; ¼Hkkjrh; fjtoz csd ds ukferh½ 7- Jh ch ch pks/kjh xsj dk;zikyd ¼Hkkjr ljdkj 8 2 'kwu; 'kwu; }kjk fu;qdr pkvszm vdkmvsv½ 8- Jh eq'rkd, vrqys xsj dk;zikyd 5 'kwu; 'kwu; 'kwu; ¼Hkkjr ljdkj }kjk fu;qä½ 9- Jh,e,u xksihukfk xsj dk;zikyd 5 'kwu; 'kwu; 'kwu; ¼'ks;j/kkjd funs'kd½ &vkbzlhvkbzlhvkbz çwmsfu'k;y VªLV &vkbzlhvkbzlhvkbz çwmsfu'k;y QM çc/ku Jh Mh ds flxyk xsj dk;zikyd ¼'ks;j/kkjd funs'kd½ 4 'kwu; 'kwu; Mk-lquhy xqirk xsj dk;zikyd ¼'ks;j/kkjd funs'kd½ 4 'kwu; tujy b';ksjsul d ikszjs'ku v Q bfm;k Jh Vh lh >ykuh xsj dk;zikyd 2 'kwu; 'kwu; 'kwu; ¼odZeSu ds ukferh funs'kd½ uksv % fdlh Hkh funs'kd dk vkil es lc/k ugh gs A 112

115 Report on Corporte Governnce 1. Corporte Governnce Philosophy Corporte Governnce is prcticed in the Bnk in ll its functionl res through high stndrds of ccountbility, trnsprency, socil responsiveness, opertionl efficiencies nd best ethicl business prctices. The Bnk is committed to ll the stkeholders of the Bnk to protect their interests nd for mximizing the shreholders' vlue. The Bnk hs well defined policies nd procedures for ensuring complince of the Regultory requirements. The functions of the Bord nd the executive mngement re well defined nd re distinct from one nother. The Bord of the Bnk nd vrious sub-committees of the Bord meet t regulr intervls to monitor nd ensure tht the decisions tken by executives of the Bnk re s per lid down policies nd in the best interest of ll the stkeholders. 2.1 Bord of Directors The Bord is constituted in ccordnce with the relevnt provisions of The Bnking Regultion Act, 1949, The Bnking Compnies (Acquisition nd Trnsfer of Undertkings) Act, 1970, s mended nd The Ntionlized Bnks (Mngement & Miscellneous Provisions) Scheme, 1970, s mended. 2.2 Composition of the Bord of Directors s on S. No. Nme of Director Dte of Ctegory Membership Chirmnship Chirmnship/ No. of Shres Appointment of Sub- of Sub- membership held by Committees Committees of Audit Director of Bord of of Bord Committee nd the Bnk of the Bnk Shre-holders / Investors Grievnce Committee in other Compnies 1. Sh. K.R. Kmth Executive Nil Nil Chirmn & Mnging Director 2. Sh. Rkesh Sethi Executive 16 5 Nil Nil Executive Director 3. Smt. Ush Annthsubrmnin Executive 16 Nil Nil Nil Executive Director 4. Sh. S. R. Bnsl Executive 16 Nil Nil Nil Executive Director 5. Sh. Anurg Jin Non-Executive Ntionl Housing Bnk Nil (GoI Nominee) - Irrigtion & Wter Resources Finnce Corp Ltd - Ntionl Insurnce Co. Ltd. - IFCI 6. Sh. N. S. Vishwnthn Non-Executive 5 Nil Nil Nil (RBI Nominee) 7. Sh. B. B. Chudhry Non-Executive 8 2 Nil Nil (GoI ppointed CA ctegory) 8. Sh. M. A. Antuly Non- Executive 5 Nil Nil Nil (GoI ppointed) 9. Sh. M. N. Gopinth Non- Executive 5 Nil - ICICI Prudentil Trust 500 (Shre-holder Director) - ICICI Prudentil Fund Mngement 10 Sh. D.K. Singl Non- Executive 4 Nil Nil 300 (Shre-holder Director) 11. Dr. Sunil Gupt Non- Executive 4 Nil Generl Insurnce Corp. of Indi 300 (Shre-holder Director) 12 Sh. T. C. Jhlni Non-Executive 2 Nil Nil Nil (Workmen Nominee Director) Note: None of the Directors is relted inter-se. 113

116 2-3 o"kz ds nksjku fueufyf[kr lnl; funs'kd ugh jgsa Øe l0 funs'kd dk uke Js.kh lekiu frffk dkj.k 1- Jh tlchj flg xsjdk;zikyd¼hkkjrh; fjtoz csd ds ukferh½ u;k ukekdu 2- Jh,e ih flg xsj dk;zikyd ¼odZeSu ds ukferh funs'kd½ vof/k dh lekfir 3- Jh çnhi dqekj xsj dk;zikyd ¼u u&odzesu ds ukferh funs'kd½ vof/k dh lekfir 2-4 foùkh; o"kz es vk;ksftr csbdks dk C;kSjk Øe l0 csbd dh frffk cksmz es funs'kdks dh dqy l[;k csbd es miflfkr funs'kdks dh l[;k foùkh; o"kz ds nksjku csbdks rfkk xr okf"kzd vke csbd es lnl; & funs'kdks ds miflfkfr ds C;kSjs Øe funs'kd dk o"kz ds nksjku ftruh csbdks finyh vke l- uke vk;ksftr es miflfkr okf"kzd csbd csbdks dh gq, es miflfkfr l[;k 1- Jh ds vkj dker gk 2- Jh jkds'k lsbh gk 3- Jherh m"kk vurlqczã.;u ugh 4- Jh,l vkj cly 10 9 gk 5- Jh vuqjkx tsu ugh 6- Jh tlchj flg 5 3 ugh 7- Jh,u,l fo'o ukfku 7 6 ykxw ugh 8- ch ch pks/kjh gk 9- Jh eq'rkd, vrqys gk 10- Jh,e,u xksihukfk 12 9 gk 11- Jh Mh ds flxyk ugh 12- Mk- lquhy xqirk ugh 13- Jh,e ih flg 9 8 ugh 14 Jh çnhi dqekj 10 9 gk 15- Jh Vh lh >ykuh 1 1 ykxw ugh 114

117 2.3 The following members cesed to be the Directors during the yer: Sr. No. Nme of Director Ctegory Dte of cesstion Reson 1. Sh. Jsbir Singh Non-Executive (RBI Nominee) New nomintion 2. Sh. M. P. Singh Non-Executive (Workmen Nominee Director) Completion of tenure 3. Sh. Prdeep Kumr Non-Executive (Non-Workmen Nominee Director) Completion of tenure 2.4 Detils of meetings held during the Finncil Yer: S. No. Dte of the Meeting Totl No. of Directors on the Bord No. of Directors Present in the meeting / / / / Detils of meetings & lst Annul Generl Meeting (AGM) ttended by member-directors during the Finncil Yer : S. Nme of Director No. of Meetings No. of Meetings Attendnce in lst No. held during the tenure ttended AGM 1 Sh. K. R. Kmth Yes 2 Sh. Rkesh Sethi Yes 3 Smt. Ush Annthsubrmnin No 4 Sh. S. R. Bnsl 10 9 Yes 5 Sh. Anurg Jin No 6 Sh. Jsbir Singh 5 3 No 7 Sh. N. S. Vishwnthn 7 6 N.A. 8 Sh. B. B. Chudhry Yes 9 Sh. M. A. Antuly Yes 10 Sh. M. N. Gopinth 12 9 Yes 11 Sh. D. K. Singl No 12 Dr. Sunil Gupt No 13 Sh. M. P. Singh 9 8 No 14 Sh. Prdeep Kumr 10 9 Yes 15 Sh. T. C. Jhlni 1 1 N.A. 115

118 2-6 foùkh; o"kz ds nksjku fu;qdr funs'kdks dk izksqkby Jh,l vkj cly Hkkjr ljdkj us Jh,l vkj cly],e-,] lh,vkbzvkbzch dks ls rd vfkok vkxkeh vkns'kks rd] tks Hkh igys gks] ds fy, csd dk dk;zikyd funs'kd fu;qdr fd;k gsa mugs csfdx es 31 o"kz ls vf/kd dk vuqhko gsa Jh,u,l fo'oukfku Hkkjr ljdkj us ls vkxkeh vkns'kks rd Jh,u,l fo'oukfku dks Hkkjrh; fjtoz csd ds ukferh fusns'kd¼xsj dk;zikyd½ ds :i es fu;qdr fd;k gsa os,e-,- ¼vFkZ'kkL=½ gs vksj mugs csfdx lsokvks es 31 o"kz dk vuqhko gsa Jh Vh lh >ykuh Hkkjr ljdkj us Jh Vh lh >ykuh],e d e],y,ych dks fnukd ls 3 o"kz dh vof/k ds fy, csd ds dkexkj ukferh funs'kd ¼xSj dk;zikyd½ ds :i es fu;qä fd;k gsa mugs s csfdx lsokvks es 33 o"kz dk vuqhko gsa 3- cksmz dh mi lfefr;k cksmz dh eq[; mi lfefr;k fueufyf[kr gs % 3-1 cksmz dh ys[kk&ijh{kk lfefr ¼,-lh-ch-½ Hkkjrh; fjt+oz ljdkj ds fn'kk funsz'kks vksj LV d,dlps t ds lkfk lwphc) djkj ds vuqlkj csd }kjk cksmz dh ys[kkijh{kk lfefr ¼,-lh-ch-½ dk xbu fd;k x;k gsa dk;z % lfefr ds eq[; dk;z fueufyf[kr gs%& funsz'k nsuk,o csd ds lexz ys[kk ijh{kk dk;ks Z dh fuxjkuh o csd dh ys[kk ijh{kk dk;ks Z,o Hkkjrh; fjtoz csd ds fujh{k.k ds lc/k es vuqorhz dkjzokbz djuka foùkh; LVsVes Vks o fjiksvks Z ds lc/k es dsuæh; lkfof/kd ys[kk ijh{kdks ls fopkj&foe'kz djuk vksj ^^ykx QkeZ v fmv fjiksvz** es mbk, x, lelr ekeyks ij vuqorhz dkjzokbz djuka csd ds vkrfjd ijh{kk lc/kh dk;ks Z & vuqorhz dkjzokbz ds :i es ç.kkyh] xq.koùkk,o çhkko'khyrk dh leh{kk djuka fof'k"v,o vlk/kkj.k :i ls cm+h 'kk[kkvks o vlrks"ktud jsfvx okyh 'kk[kkvks dh fujh{k.k fjiksvks Z dh leh{kk djuka lwphdj.k djkj ds çko/kkuks ds vuqlkj,o Hkkjrh; fjtoz csd ds fn'kk&funsz'kks ds vuq:i dk;z djuka deiuh lfpo lfefr ds lfpo ds #i es dk;z djrk gsa dh flfkfr ds vuqlkj ljpuk 1- Jh ch ch pks/kjh & lfefr ds v/;{k 2- jkds'k lsbh 2.6 Profile of Directors ppointed during the Finncil Yer. Sh. S. R. Bnsl Government of Indi ppointed Sh. S. R. Bnsl, M.A., CAIIB, s Executive Director of the Bnk w.e.f up to or until further orders whichever is erlier. He hs more thn 31 yers of experience in Bnking. Sh. N. S. Vishwnthn Government of Indi ppointed Sh. N. S. Vishwnthn s RBI Nominee Director (Non-Executive) of the Bnk w.e.f until further orders. He is M.A. (Economics) nd hs experience of 31 yers in bnking services. Sh. T. C. Jhlni Government of Indi ppointed Sh. T. C. Jhlni, M.Com., L.L.B., s Workmen Nominee Director (Non-Executive) of the Bnk w.e.f for period of three yers or until further orders. He hs 33 yers experience in bnking services. 3. Sub-Committees of the Bord The min sub-committees of the Bord re s under:- 3.1 Audit Committee of the Bord (ACB) The Audit Committee of the Bord (ACB) hs been constituted by the Bnk s per the guidelines of Reserve Bnk of Indi / Government of Indi nd Listing Agreement with Stock Exchnges. Functions: The min functions of the Committee re s under:- Providing direction nd overseeing the totl udit function of the Bnk nd follow up on the sttutory/externl udit of the Bnk nd inspections of RBI. To interct with Sttutory Centrl Auditors in respect of pprovl of qurterly/nnul Finncil Sttements nd Reports nd lso follow up on ll the issues rised in the Long Form Audit Report. To review the internl inspection/audit functions of the Bnk - the systems, its qulity nd effectiveness in terms of follow up. Review of inspection reports of Specilized nd Extr Lrge Brnches nd ll the brnches with unstisfctory rtings. To ct s per provisions of the Listing Agreement nd in line with the RBI guidelines. The Compny Secretry cts s Secretry to the Committee. Composition s on Sh. B. B. Chudhry - Chirmn of the Committee 2. Sh. Rkesh Sethi 116

119 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu 6- Jh,u,l fo'oukfku 7- Jh,e, vrqys 8- Jh Mh ds flxyk foùkh; o"kz ds nksjku vk;ksftr csbdks ds C;kSjs Ø-l- csbd dh lfefr es csbd es miflfkr rkjh[k funs'kdks dh funs'kdks dqy l[;k dh l[;k foùkh; o"kz ds nksjku lnl;&funs'kdks }kjk csbdks es Hkkx ysus lecèkh fooj.k Ø-l- funs'kd dk uke dk;zdky ds nksjku fdruh csbdks vk;ksftr csbdks dh l[;k es miflfkr gq, 1- Jh ch ch pks/kjh Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh vuqjkx tsu Jh,u,l fo'oukfku Jh tlchj flg Jh eq'rkd, vrqys Jh Mh ds flxyk Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin 6. Sh. N S Vishwnthn 7. Sh. M. A. Antuly 8. Sh. D. K. Singl Detils of meetings held during the Finncil Yer S. Dte of the Totl No. of No.of Directors No. Meeting Directors of present in the the Committee Meeting Detils of meetings ttended by member-directors during the Finncil Yer Sl. No. Nme of Director No. of meetings No. of meetings held during tenure ttended 1. Sh. B. B. Chudhry Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. Anurg Jin Sh. N. S. Vishwnthn Sh. Jsbir Singh Sh. M. A. Antuly Sh. D. K. Singl çcu/ku lfefr ¼,elh½ jk"vªh;ñr csdks ¼çcU/ku,o fofo/k çko/kkuks ½ ;kstuk] 1970 dh èkkjk 13 dh 'krkzuqlkj çcu/ku lfefr dk xbu fd;k x;k gsa lfefr fueufyf[kr enks ] tksfd,pvkslh,lh &III ds foosdk/khu vfèkdkjks ls ijs gs] ij fopkj djrh gsa d½ _.k çlrkoks dh LohÑfr ¼fuf/k,o xsj fuf/k½ [k½ _.k [kkrs çlrko x½ iw th vksj jktlo [kpz ds vuqeksnukfkz çlrko?k½ ifjljks dk vf/kxzg.k,o fdjk, ij ysus ds ekunmks es fopyu lc/kh çlrko 3.2 Mngement Committee (MC) Mngement Committee hs been constituted in terms of Cluse 13 of The Ntionlised Bnks (Mngement & Miscellneous Provisions) Scheme, The Committee considers following mtters which re beyond the discretionry powers of HOCAC III:- ) Snctioning of credit proposls (funded & non funded), b) Lon compromise/write-off proposls, c) Proposl for pprovl of cpitl nd revenue expenditure, d) Proposls relting to cquisition nd hiring of premises including devition from norms for cquisition nd hiring of premises, 117

120 M½ nk;j djuk] mudk cpko djuk br;kfn p½ ljdkjh,o vu; vuqeksfnr çfrhkwfr;ks ] difu;ks ds v'ki=ks vksj _.k i=ks es fuos'k,o vmjjkbfvx N½ nku t½ cksmz }kjk çsf"kr vu; dksbz ekeyk dh flfkfr ds vuqlkj ljpuk % 1- Jh ds vkj dker lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh,u,l fo'oukfku 6- Jh ch ch pks/kjh 7- Jh,e,u xksihukfk 8- M - lquhy xqirk 9- Jh Vh-,l >ykuh foùkh; o"kz ds nksjku vk;ksftr csbdks dk fooj.k Ø-l- csbd dh frffk lfefr ds dqy csbdks es miflfkr funs'kd gq, funs'kd foùkh; o"kz ds nksjku lnl; funs'kdks }kjk csbdks es Hkkx ysus lec/kh fooj.k Ø-l- funs'kd dk uke dk;zdky ds nksjku fdruh csbdks es vk;ksftr csbdks miflfkr gq, dh l[;k 1- Jh ds vkj dker Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh tlchj flg Jh,u,l fo'oukfku Jh,e ih flg Jh çnhi dqekj Jh ch ch pks/kjh Jh,e,u xksihukfk Jh Mh ds flxyk Jh eq'rkd, vrqys M - lquhy xqirk Jh Vh lh >ykuh 'kwu; 'kwu; e) Filing of suits/ppels, defending them etc. f) Investments in Government nd other pproved securities, shres nd debentures of compnies including underwriting, g) Dontions, h) Any other mtter referred by the Bord. Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. N S Vishwnthn 6. Sh. B. B. Chudhry 7. Sh. M. N. Gopinth 8. Dr. Sunil Gupt 9. Sh. T. C. Jhlni Detils of meetings held during the Finncil Yer S. Dte of Totl No. of Directors No. of Directors No. Meeting of the Committee present in the Meeting Detils of meetings ttended by member-directors during the Finncil Yer S. Nme of Meetings held Meetings No. Director during their ttended tenure 1. Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. Jsbir Singh Sh. N. S. Vishwnthn Sh. M. P. Singh Sh. Prdeep Kumr Sh. B. B. Chudhry Sh. M. N. Gopinth Sh. D. K. Singl Sh. M. A. Antuly Dr. Sunil Gupt Sh. T. C. Jhlni Nil Nil 118

121 3-3 ç-dk- _.k vuqeksnu lfefr¼lrj&aaa½ _.k vuqeksnu lfefr rnfkz lhekvks ] ;fn gs] lfgr ` 400 djksm+ çfr m/kkjdrkz ls vuf/kd ds,elh 'kfä;ks ds vrxzr vkus okys _.k çlrkoks ij fopkj djrh gsa dh flfkfr vuqlkj ljpuk Jh ds-vkj-dker lfefr ds v/;{k Jh jkds'k lsbh] Jherh m"kk vurlqczã.;u Jh,l vkj cly egkçcu/kd & foùk egkçcu/kd & _.k egkçcu/kd &,dhñr tksf[ke çcu/ku egkçcu/kd & vkbzchmh foùkh; o"kz ds nksjku lnl; funs'kdks }kjk csbdks es Hkkx ysus ds C;kSsjs Ø-l- funs'kd dk uke muds dk;zdky ds csbd es nksjku gqbz csbds Hkkx fy;k 1- Jh ds vkj dker Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly tksf[ke çc/ku lfefr csd }kjk tksf[ke çcu/ku lfefr dk xbu fd;k x;k gsa dk;z tksf[ke çc/ku ls lcf/kr fdlh Hkh egroiw.kz fo"k; ij lh vkj,e lh],,ylhvks,o vks vkj,e lh dk ekxzn'kzu djuk rfkk çhkkoh leuo; ds fy, bu lfefr;ks ds dk;z dks ns[kuka csd dh uhfr ds vuqlkj cktkj tksf[ke çcu/ku çfø;kvks ¼O;fä] ç.kkyh] çpkyu] lhek,o fu;=.k lfgr½ dks LohÑr djuka tksf[ke çc/ku ds fn'kk funsz'kks ;k vu;fkk fdlh vu; tksf[ke ds çc/ku dh vuqikyuk gsrq visf{kr fdlh vu; vko';d dkjzokbz dk vuqeksnu djuka dh flfkfr ds vuqlkj ljpuk 1- Jh ds vkj dker lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu 6- Jh ch ch pks/kjh 7- Jh,e,u xksihukfk 8- Jh Mh ds flxyk 9- M - lquhy xqirk 3.3 Hed Office Credit Approvl Committee (Level - III) The Credit Approvl Committee considers credit proposls flling under MC powers but not exceeding ` 400 crores per borrower including dhoc limits, if ny. Composition s on Sh. K. R. Kmth - Chirmn of the Committee Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Generl Mnger - Finnce Generl Mnger - Credit Generl Mnger - Integrted Risk Mngement Generl Mnger - IBD Detils of meetings ttended by member-directors during the Finncil Yer S. Nme of Meeting held Meetings No. Director during their tenure ttended 1. Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Risk Mngement Committee The Bnk hs constituted the Risk Mngement Committee. Functions: To guide CRMC, ALCO & ORMC on ny issue of importnce for risk mngement nd to oversee the functioning of these committees for effective coordintion. Approving Mrket Risk Mngement processes (including people, systems, opertions, limits nd controls) s per Bnk's policy. Approvl of ny other ction necessry to comply with requirements set forth in Risk Mngement Policy/ RBI guidelines or otherwise required for mnging ny risk. Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin 6. Sh. B. B. Chudhry 7. Sh. M. N. Gopinth 8. Sh. D. K. Singl 9. Dr. Sunil Gupt 119

122 foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; & funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks vk;ksftr csbdks es miflfkr gq, dh l[;k 1- Jh ds-vkj-dker Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh vuqjkx tsu 4 'kwu; 6- Jh ch ch pks/kjh Jh,e,u xksihukfk Jh Mh ds flxyk M - lquhy xqirk 4 2 Z 3-5 lrdzrk vuq'kklfud dkjzokbz ekeyks ds fuivku dh leh{kk gsrq funs'kd lfefr ¼lh vks Mh½ lfefr] lrdzrk vksj xsj&lrdzrk vuq'kklfud dkjzokbz ekeyks ds fuivku dh leh{kk frekgh vk/kkj ij djrh gsa dh flfkfr ds vuqlkj ljpuk 1- Jh ds vkj dker lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu 6- Jh,u,l fo'oukfku foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl;&funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke muds dk;zdky ds ftruh nksjku vk;ksftr csbdks csbdks es dh l[;k miflfkr gq, 1- Jh ds-vkj-dker Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh vuqjkx tsu Jh tlchj flg Jh,u,l fo'oukfku lwpuk çks ksfxdh lfefr bl lfefr dk xbu lwpuk lqj{kk,o lwpuk çks ksfxdh lcèkh fofhkuu igyqvks ds v/;;u,o bugs csd es etcwr djus o mi;qdr mik;ks dk lq>ko nsus gsrq fd;k x;k gsa lwpuk çks ksfxdh ls lcf/kr fofhkuu igyks ftues vkbzvh uhfr vksj vkbzvh [kpz ctv rfkk llfkkfir o,vh,e ds dk;ks ij fjiksvz 'kkfey gs] dks cksmz dh lwpuk çks ksfxdh dh lfefr dh frekgh csbdks es çlrqr fd;k tkrk gsa Detils of meetings ttended by member-directors during the Finncil Yer: S. Nme of Meeting held Meetings No. Director during ttended their tenure 1 Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. Anurg Jin 4 Nil 6. Sh. B. B. Chudhry Sh. M. N. Gopinth Sh. D. K. Singl Dr. Sunil Gupt Committee of Directors to review disposl of Vigilnce/Nonvigilnce Disciplinry ction cses (COD) The Committee reviews disposl of vigilnce nd non-vigilnce disciplinry ction cses on qurterly bsis. Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin 6. Sh. N. S. Vishwnthn Detils of meeting ttended by member-directors during the Finncil Yer: S. No. Nme of Director Meetings held Meetings during their ttended tenure 1. Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. Anurg Jin Sh. Jsbir Singh Sh. N. S. Vishwnthn Informtion Technology Committee The Committee hs been constituted to study vrious spects of Informtion Security & Informtion Technology nd suggest pproprite mesures to strengthen the sme in the Bnk. The vrious IT inititives including the IT Policies nd IT Expenditure Budget nd report on instlltion nd functioning of ATMs re being plced in the qurterly meetings of IT Committee of the Bord for informtion/discussion/guidnce/ pprovl. 120

123 dh flfkfr ds vuqlkj ljpuk 1- Jh jkds'k lsbh & lfefr ds v/;{k 2- Jherh m"kk vurlqczã.;u 3- Jh,l vkj cly 4- Jh Mh ds flxyk 5- M - lquhy xqirk foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; & funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke vk;ksftr csbdks ftruh csbdks dh l[;k es miflfkr gq, 1- Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh,e ih flg Jh çnhi dqekj Jh Mh ds flxyk M - lquhy xqirk inksuufr ds fy, funs'kd lfefr lfefr mpp dk;zikyd xz sm Ldsy-VII es inksuufr ds fy, meehnokjks ds lc/k es fopkj djrh gs rfkk mpp dk;zikyd xzsm Ldsy-VII es vuqeksnu u gksus ds lc/k es çkir çfrosnuks ij fopkj djrh gsa dh flfkfr ds vuqlkj ljpuk 1- Jh ds vkj dker lfefr ds v/;{k 2- Jh vuqjkx tsu 3- Jh,u,l fo'oukfku foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; &funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks csbdks dh l[;k es miflfkr gq, 1- Jh ds-vkj-dker Jh vuqjkx tsu Jh tlchj flg Jh,u,l fo'oukfku cksmz dh fo'ks"k lfefr & /kks[kk/km+h ekeyks dh fuxjkuh gsrq ` 1-00 djksm+ rfkk blls vf/kd jkf'k okys /kks[kk/km+h ekeyks es fuxjkuh rfkk leh{kk gsrq ;g fo'ks"k lfefr xfbr dh xbz gs rkfd % ç.kkyhxr =qfv;ks dh igpku vksj mugs nwj djus ds fy, mik; çlrqr djuka tkp dh çxfr dh fuxjkuh] olwyh,o LVkQ nkf;roa /kks[kk/km+h dh iqujkzo`fr jksdus ds fy, mbk, x, lq/kkjkred dneks dh çhkko'khyrk dh leh{kka jksdfkke r= dks etcwr djus ls lcf/kr fopkjs x, vu; mik;ks dks çlrqr djuka Composition s on : 1. Sh. Rkesh Sethi - Chirmn of the Committe 2. Smt. Ush Annthsubrmnin 3. Sh. S. R. Bnsl 4. Sh. D. K. Singl 5. Dr. Sunil Gupt Detils of meetings ttended by member-directors during the Finncil Yer: S.No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. M. P. Singh Sh. Prdeep Kumr Sh. D. K. Singl Dr. Sunil Gupt Directors Promotion Committee The Committee considers promotions to Top Executive Grde Scle-VII s well s representtions of cndidtes ginst non-pprovl for promotion to Top Executive Grde Scle-VII. Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Anurg Jin 3. Sh. N S Vishwnthn Detils of meetings ttended by member-directors during the Finncil Yer: S. No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. K. R. Kmth Sh. Anurg Jin Sh. Jsbir Singh Sh. N S Vishwnthn Specil Committee of Bord - For monitoring frud cses The Committee hs been constituted for monitoring nd review of ll frud cses of ` 1.00 crore nd bove so s to: Identify the systemic lcune nd put in plce mesures to plug the sme. Monitor progress of CBI/Police investigtion, recovery & stff ccountbility. Review the efficcy of the remedil ction tken to prevent recurrence of fruds. Put in plce other mesures s my be considered relevnt to strengthen preventive mechnism. 121

124 dh flfkfr ds vuqlkj ljpuk 1- Jh ds vkj dker lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu 6- Jh Mh ds flxyk 7- Jh,e, vrqys foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks csbdks dh l[;k es miflfkr gq, 1- Jh ds vkj dker Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh vuqjkx tsu Jh Mh ds flxyk Jh,e, vrqys Jh çnhi dqekj Jh,e ih flg ikfjjfed lfefr lfefr csd ds v/;{k,o çcu/kd funs'kd rfkk dk;zikyd funs'kdks ds çksrlkgu dh vgzrk dk fu.kz; djrh gsa dh flfkfr vuqlkj ljpuk 1- Jh vuqjkx tsu & lfefr ds v/;{k 2- Jh,u,l fo'oukfku 3- Jh ch ch pks/kjh 4- Jh,e,u xksihukfk foùkh; o"kz ds nksjku vk;ksftr lnl;&funs'kdks }kjk csbdks es Hkkx ysus dk C;kSjk Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks csbdks dh l[;k es miflfkr gq, 1- Jh vuqjkx tsu Jh tlchj flg Jh,u,l fo'oukfku 'kwu; 'kwu; 4- Jh ch- ch- pks/kjh Jh,e-,u- xksihukfk ukekdu lfefr lfefr dk xbu Hkk-fj-cSd ds fn'kk&funsz'kks ds vuqlkj csd ds cksmz es 'ks;j/kkjd funs'kd¼dks ½ ds lc/k es ^mi;qä rfkk leqfpr^ ekudks dk vuqikyu lqfuf'pr djus ds fy, fd;k x;k gsa Composition s on : 1. Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin 6. Sh. D. K. Singl 7. Sh. M. A. Antuly Detils of meetings ttended by Member-Directors during the Finncil Yer: S. No. Nmes of Directors Meetings held Meetings during their tenure ttended 1. Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. Anurg Jin Sh. D. K. Singl Sh. M. A. Antuly Sh. Prdeep Kumr Sh. M. P. Singh Remunrtion Committee The Committee decides entitlement of incentive for CMD & EDs of the Bnk. Composition s on : 1. Sh. Anurg Jin - Chirmn of the Committee 2. Sh. N S Vishwnthn 3. Sh. B. B. Chudhry 4. Sh. M. N. Gopinth Detils of meetings ttended by member-directors during the Finncil Yer S.No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. Anurg Jin Sh. Jsbir Singh Sh. N. S. Vishwnthn Nil Nil 4. Sh. B. B. Chudhry Sh. M. N. Gopinth Nomintion Committee The committee hs been constituted s per RBI guidelines to determine the fulfillment of `fit nd proper' criteri in respect of Shreholder Director(s) on the Bord of Bnk. 122

125 dh flfkfr vuqlkj ljpuk 1- Jh vuqjkx tsu & lfefr ds v/;{k 2- Jh ch ch pks/kjh 3- Jh,e, vrqys foùkh; o"kz 2012&13 ds nksjku dksbz csbd ugh gqbz D;ks fd 'ks;jèkkjd funs'kd ¼dks ½ dh dksbz ugh FkkA Z 3-11 xzkgd lsok lfefr xzkgd lsok lfefr dk xbu fueufyf[kr dk;ks ds fy, fd;k x;k gs% & O;kid tek uhfr cukuka fo"k; tsls fd tekdrkz dh e`r;q ij mlds [kkrs ds ds fy, dsls O;ogkj djuk gsa vuqdwyrk o mi;qärk dks /;ku es j[krs gq, mrikn vuqeksnu çfø;ka tekdrkz lrqf"v gsrq okf"kzd losz{k.k,slh lsokvks dh =Sokf"kZd ys[kkijh{kk csfdx yksdiky ;kstuk ds vurxzr vokmz ds dk;kzuo;u dh fuxjkuh djuka dh flfkfr vuqlkj ljpuk 1- Jh ds vkj dker & lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu 6- Jh,e,u xksihukfk 7- Jh Vh lh >ykuh foùkh; o"kz ds nksjku vk;ksftr lnl;&funs'kdks }kjk csbdks es Hkkx ysus dk C;kSjk Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks vk;ksftr csbdks es miflfkr gq, dh l[;k 1- Jh ds-vkj-dker Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh vuqjkx tsu Jh,e ih flg Jh çnhi dqekj Jh,e,u xksihukfk Jh Vh lh >ykuh eq[rkjukek lfefr lfefr csd es dk;z dj jgs vf/kdkfj;ks vksj fo'ks"k lgk;dks dks tujy i oj v Q vvkuhz Lohdkj o çnku djrh gs rkfd os nlrkostks dks fu"ikfnr dj lds vksj csd dk çfrfuf/kro dj lds A Composition s on : 1. Sh. Anurg Jin - Chirmn of the Committee 2. Sh. B. B. Chudhry 3. Sh. M. A. Antuly No meeting of the committee ws held during the Finncil Yer s there ws no vcncy/election for Shreholder Directors Customer Service Committee The Customer Service Committee hs been constituted to dischrge the following functions: Formultion of Comprehensive Deposit Policy. Issues such s the tretment on deth of depositor for opertions of his ccount. Product pprovl process with view to suitbility nd ppropriteness Annul Survey of depositor stisfction. Triennil udit of such services. Monitoring the implementtion of wrds under the Bnking Ombudsmn Scheme. Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin 6. Sh. M. N. Gopinth 7. Sh. T. C. Jhlni Detils of meetings ttended by member-directors during the Finncil Yer: S.No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. Anurg Jin Sh. M. P. Singh Sh. Prdeep Kumr Sh. M. N. Gopinth Sh. T. C. Jhlni Power of Attorney Committee The committee snctions nd llots Generl Power of Attorney to officers nd specil ssistnts of the Bnk uthorizing them to execute documents nd represent on behlf of the Bnk. 123

126 ds vuqlkj ljpuk 1- Jh jkds'k lsbh & lfefr ds v/;{k 2- Jherh m"kk vurlqczã.;u 3- Jh,l vkj cly 4- Jh,e, vrqys 5- Jh ch ch pks/kjh foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl;ks funs'kdks dh miflfkfr ds C;kSjs% Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks vk;ksftr csbds es miflfkr gq, 1- Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh,e, vrqys Jh ch ch pks/kjh vihyh; çkf/kdkjh o leh{kk çkf/kdkjh lfefr lfefr dk xbu ih,uch ¼vuq'kklu,o vihy½ fofu;eu] 1977 dh vuq'kklfud çkf/kdkjh dh vuqlwph dh 'krkzuqlkj vihyh; çkf/kdkjh ds :i es dk;z djus gsrq fd;k x;k gsa dh flfkfr ds vuqlkj lfefr dh ljpuk 1- Jh ds vkj dker & lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu foùkh; o"kz 2012&13 ds nksjku lfefr dh dksbz csbd ugh gqbza 3-14 chek l;qdr m e lfefr csd }kjk chek dkjksckj es Hkkoh dkjzokbz gsrq csd ds emy dks llrqfr nsus vksj fu.kz; djus ds fy, bl lfefr dk xbu fd;k x;k gsa dh flfkfr ds vuqlkj ljpuk 1- Jh jkds'k lsbh & lfefr ds v/;{k 2- Jherh m"kk vurlqczã.;u 3- Jh,l vkj cly 4- Jh,e, vrqys foùkh; o"kz 2012&13 es lfefr dh dksbz csbd ugh gqbz A 3-15 fot+u 2013 dh LVhvfjx lfefr ;g lfefr fot+u 2013 ds dk;kzuo;u es gqbz çxfr dh leh{kk djrh gsa Composition s on Sh. Rkesh Sethi - Chirmn of the Committee 2. Smt. Ush Annthsubrmnin 3. Sh. S. R. Bnsl 4. Sh. M. A. Antuly 5. Sh. B. B. Chudhry Detils of meetings ttended by member-directors during the Finncil Yer: S.No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. M.. A. Antuly Sh. B. B. Chudhry Appellte Authority & Reviewing Authority Committee The committee hs been constituted to ct s Appellte Authority/Reviewing Authority in terms of schedule of Disciplinry Authorities to PNB Officer Employees (Discipline & Appel) Regultions, Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin No meeting of the committee ws held during the Finncil Yer Insurnce Joint Venture Committee: The Committee hs been constituted to decide nd recommend to the Bord of the Bnk, the future course of ction in Insurnce business by the Bnk. Composition s on Sh. Rkesh Sethi - Chirmn of the Committee 2. Smt. Ush Annthsubrmnin 3. Sh. S. R. Bnsl 4. Sh. M. A. Antuly No meeting of the committee ws held during the Finncil Yer Steering Committee for Vision 2013 The Committee reviews the progress in implementtion of Vision

127 dh flfkfr ds vuqlkj ljpuk 1- Jh jkds'k lsbh & lfefr ds v/;{k 2- Jherh m"kk vurlqczã.;u 3- Jh,l vkj cly 4- Jh,e,u xksihukfk 5- M - lquhy xqirk foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; & funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks vk;ksftr csbdks dh l[;k es miflfkr gq, 1- Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh,e ih flg Jh çnhi dqekj Jh,e,u xksihukfk M - lquhy xqirk olwyh es çxfr dh fuxjkuh djus ds fy, cksmz dh lfefr vutzd vkflr;ks dh olwyh dh çxfr dh fuxjkuh djus ds fy, lfefr dk xbu fd;k x;k gsa dh flfkfr ds vuqlkj ljpuk 1- Jh ds vkj dker & lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly 5- Jh vuqjkx tsu foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; & funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks csbdks dh l[;k es miflfkr gq, 1- Jh ds-vkj-dker Jh jkds'k lsbh] Jherh m"kk vurlqczã.;u 1 'kwu; 4- Jh,l vkj cly Jh vuqjkx tsu lkoztfud {ks= ds csdks }kjk ernku ij fopkj djus ds fy, lfefr lfefr 'ks;j/kkjdks dh f'kdk;rks dk fuivkjk djrh gsa dh flfkfr ds vuqlkj ljpuk 1- Jh ds vkj dker & lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly foùkh; o"kz 2012&13 ds nksjku lfefr dh dksbz csbd ugh gqbza Composition s on : 1. Sh. Rkesh Sethi - Chirmn of the Committee 2. Smt. Ush Annthsubrmnin 3. Sh. S. R. Bnsl 4. Sh. M. N. Gopinth 5. Dr. Sunil Gupt Detils of meetings ttended by member-directors during the Finncil Yer : S. No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl Sh. M. P. Singh Sh. Prdeep Kumr Sh. M. N. Gopinth Dr. Sunil Gupt Committee of the Bord to monitor the progress in recovery The Committee hs been constituted to monitor the progress of recovery in non-performing ssets. Composition s on Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl 5. Sh. Anurg Jin Detils of meetings ttended by Member-Directors during the Finncil Yer: S. No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. K. R. Kmth Sh. Rkesh Sethi Smt. Ush Annthsubrmnin 1 Nil 4. Sh. S. R. Bnsl Sh. Anurg Jin Committee to consider voting by Public Sector Bnks The Committee considers voting by the Bnk. Composition s on : 1. Sh. K. R. Kmth - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl No meeting of the committee ws held during the Finncil Yer

128 s 3-18 'ks;j vrj.k lfefr itkc us'kuy csd fofu;eu ¼'ks;j,o csbds ½ 2000 ds çkoèkkuks ds vuqlkj csd }kjk lfefr xfbr dh xbz gsa lfefr 'ks;jks ds vrj.k] MqIyhdsV u, 'ks;j & çek.ki= tkjh djus rfkk 'ks;jks ds lçs"k.k vksj mugs iqu% ewrz :i es tkjh djus ls tqm+ ekeyks dh fuxjkuh,o vuqeksnu djrh gsa dh flfkfr ds vuqlkj ljpuk 1- Jh jkds'k lsbh & lfefr ds v/;{k 2- Jherh m"kk vurlqczã.;u 3- Jh,l vkj cly 4- Jh ch ch pks/kjh foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl; funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks vk;ksftr csbdks dh l[;k es miflfkr gq, 1- Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly Jh ch ch pks/kjh f'kdk;r lfefr lfefr 'ks;j/kkjdks dh f'kdk;r dk fuivku djrh gsa dh flfkfr ds vuqlkj ljpuk 1- Jh ch ch pks/kjh & lfefr ds v/;{k 2- Jh jkds'k lsbh 3- Jherh m"kk vurlqczã.;u 4- Jh,l vkj cly foùkh; o"kz ds nksjku vk;ksftr csbdks es lnl;&funs'kdks dh miflfkfr ds C;kSjs Ø-l- funs'kd dk uke dk;zdky ds nksjku ftruh csbdks vk;ksftr csbdks dh l[;k es miflfkr gq, 1- Jh ch ch pks/kjh Jh jkds'k lsbh Jherh m"kk vurlqczã.;u Jh,l vkj cly 3 2 Jh, xksihukfku] diuh lfpo dks lwphdj.k djkj ds [k.m 47 ds vuqlj.k es vuqikyuk vf/kdkjh ds :i es fu;qdr fd;k gsa csd dks foùkh; o"kz ds nksjku 'ks;j/kkjdks ls 122 f'kdk;rs çkir gqbz mues ls 120 dk fuivku fd;k tk pqdk Fkk vksj dh flfkfr vuqlkj dsoy nks f'kdk;rs yfecr Fkh A 4- vis{kkvks dk vuqikyu csd us lwphdj.k djkj dh [km 49 dh vfuok;z vis{kkvks dk vuqikyu fd;k gsa mä [km dh xsj&vfuok;z vis{kkvks dks csd us Lohdkj ugh fd;k gsa buds dk;kzuou;u dh flfkfr fueukuqlkj gs %& 3.18 Shre Trnsfer Committee The Committee hs been constituted s per provisions of Punjb Ntionl Bnk (Shres & Meetings) Regultions, The Committee monitors nd pproves trnsfers of physicl shres, issunce of duplicte shre certifictes/new certifictes, trnsmission of shres, re-mteriliztion of shres etc. Composition s on Sh. Rkesh Sethi - Chirmn of the Committee 2. Smt. Ush Annthsubrmnin 3. Sh. S. R. Bnsl 4. Sh. B. B. Chudhry Detils of meetings ttended by Member-Directors during the Finncil Yer: S. No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. Rkesh Sethi Smt. Ush Annthsubrmninn Sh. S. R. Bnsl Sh. B. B. Chudhry Shreholders'/Investors' Grievnce Committee The Committee looks into the redressl of shreholders' grievnces. Composition s on Sh. B. B. Chudhry - Chirmn of the Committee 2. Sh. Rkesh Sethi 3. Smt. Ush Annthsubrmnin 4. Sh. S. R. Bnsl Detils of meetings ttended by Member-Directors during the Finncil Yer: S. No. Nme of Director Meetings held Meetings during their tenure ttended 1. Sh. B. B. Chudhry Sh. Rkesh Sethi Smt. Ush Annthsubrmnin Sh. S. R. Bnsl 3 2 Shri A. Gopinthn, Compny Secretry, is the Complince Officer in terms of Cluse 47 of the Listing Agreement. Out of 122 complints received from the shreholders during the finncil yer, 120 were redressed nd two complints were outstnding s on Complince of Mndtory/Non Mndtory requirements The Bnk hs complied with the mndtory requirements of Cluse 49 of Listing Agreement. In respect of non-mndtory requirements of the sid cluse, the Bnk hs not dopted the sme. The sttus of its implementtion is s under: 126

129 Ø-l- xsj vfuok;z vis{kk dk;kzuo;u dh flfkfr 1 funs'kd emy & xsj dk;zikyd ykxw ugh] D;ksfd v/;{k dk;zikyd v/;{k dks deiuh ds [kpz ij gsa v/;{k dk dk;kzy; lehkkyus dk gd gsa 2 ikfjjfed lfefr & cksmz }kjk ikfjjfed lfefr dsuæ ljdkj ikfjjfed lfefr xfbr dh tk, }kjk tkjh fn'kkfunsz'kkuqlkj tks dk;zikyd funs'kdks ds fy, fu"iknu ls tqm+s çksrlkgu ij fof'k"v ikfjjfed isdst rs;kj fu.kz; ysrh gsa rfkkfi] dk;zikyd djs ftues is'ku vf/kdkj rfkk funs'kdks dk Hkkjr ljdkj }kjk çfriwjd Hkqxrku Hkh 'kkfey gks A fuf'pr fd;k x;k osru feyrk gsa 3 'ks;j/kkjdks ds vf/kdkj & foùkh; ifj.kke 'ks;j/kkjdks dks foùkh; ifj.kkeks ds,u,llh vksj ch,llh dks Hksts vnz~/kokf"kzd ifj.kkeks rfkk xr Ng lekpkj i=ks es çdkf'kr fd;s tkrs ekg dh egroiw.kz?kvukvks dk gs rfkk çeq[k fo'ks"krkvks lfgr csd lkjk'k çsf"kr fd;k tk, A dh osclkbv ij çnf'kzr fd;s tkrs gsa vr% 'ks;j/kkjdks dks vyx ls lwpuk ugh Hksth tkrh gsa 4 ys[kkijh{kk lc/kh vgzrk, & csd ds okf"kzd foùkh; fooj.k fcuk csd fcuk vgzrk foùkh; fooj.kks vgzrk gs] egroiw.kz ys[kkdu dh fn'kk es tk ldrk gsa 14 vuqlwfp;ks es fufgr gsauhfr; rfkk ys[kk [kkrks ls lcf/kr fviihf.k;k O;k[;kRed çñfr dh gsa 5 funs'kd emy ds lnl;ks dk funs'kdks çf'k{k.k& csd vius cksmz ds dh fu;qfä Hkkjr ljdkj vke csbd lnl;ks dks deiuh ds dkjksckj }kjk csfdx deiuh ¼vtZu rfkk e My rfkk dkjksckj ds isjkehvjks vrj.k½ vf/kfu;e 1970 ds fof'k"v~ ds tksf[ke çksqkby es] funs'kdks çko/kkuks ds vrxzr fo'ks"k ds nkf;roks rfkk mudk fuokzg ;ksx;rkvks ds vk/kkj ij dh tkrh djus ds lokszùke rjhds ds lc/k gsa vr% bl lc/k es ;g i;kzir es çf'kf{kr dj ldrk gsa gksxka 6 xsj dk;zikyd funs'kd lnl;ks Hkkjrh; fjtoz csd ds fn'kk&funsz'kks ds ewy;kdu dh i)fr & xsj ds vuqlkj,d ukekdu lfefr dk dk;zikyd funs'kdks ds dk;z dk xbu fd;k x;k gs rfkk csfdx ewy;kdu vu; funs'kdks ds lewg deiuh ¼miØeks dk vtzu rfkk }kjk fd;k tk,xk ftles iwjk vrj.k½ vf/kfu;e 1970 ds [km funs'kd emy gksxka ijrq ftl 9¼3½¼i½ ds v/khu p;fur funs'kdks funs'kd ds dk;z dk ewy;kdu dh ¼;ksX;rk rfkk mi;qärk½ dk gks jgk gs] mls 'kkfey ugh fd;k fu/kkzj.k fd;k tkrk gsa bl ds tk,xk vksj bl çdkj vius vfrfjä] xsj&dk;zikyd funs'kdks led{k O;fä;ks }kjk fd, x, dh fu;qfä Hkkjr ljdkj }kjk ewy;kdu ls gh ;g r; fd;k losèkkfud çko/kkuks ds v/khu dh tk,xk fd xsjdk;zikyd funs'kdks tkrh gsa dh fu;qfä dk dk;zdky tkjh j[kk tk, vfkok ugha 7 foly Cyksvj uhfr & csd csd us foly Cyksvj uhfr ykxw vius dezpkfj;ks ds fy,,slh dh gsa O;oLFkk dj ldrk gs ftlds vrxzr os vusfrd vkpj.k] oklrfod vfkok lfnx/k /kks[kk/km+h vfkok deiuh dh vkpkj lfgrk vfkok usfrdrk uhfr ds myy?ku ds lc/k es viuh fpurk, çc/ku dks crk ldrs gsa bl O;oLFkk es Sr.No. Non Mndtory requirements Sttus of implementtion 1. The Bord - A non-executive Not Applicble, since the Chirmn my be entitled to Chirmn's position is Executive. mintin Chirmn's office t the compny's expense. 2. Remunertion Committee - Bord Remunertion Committee my set up Remunertion decides the entitlement of Committee to determine compny's Performnce Linked Incentive in policy on specific remunertion terms of guidelines issued by the pckges for executive directors Centrl Government. However, including pension rights nd ny Executive Directors drw slry compenstion pyment. s fixed by the Government of Indi. 3 Shreholders' Rights - A hlf-yerly The qurterly / Annul Finncil declrtion of finncil Results re sent to NSE/BSE, performnce including summry of published in newsppers nd the significnt events in lst six- plced on Bnk's website months, my be sent to shreholders. including highlights. Informtion to Shreholders is, therefore, not sent individully. 4 Audit Qulifictions - Bnk my The Bnk's Annul Finncil move towrds regime of Sttements re unqulified. unqulified finncil sttements. Significnt Accounting Policies nd Notes to Accounts re contined in schedules, which re explntory in nture. 5 Trining of Bord Members - Bnk The Executive / Non-executive my trin Bord members in the Directors re ppointed by business model of the compny Government of Indi / elected s well s the risk profile of the in Generl Meeting hving business prmeters of the specific qulifictions under compny, the responsibilities s thespecific provisions of directors, nd the best wys to Bnking Compnies (A&TU) dischrge them. Act,1970. As such, this will suffice. 6 Mechnism for evluting A Nomintion Committee hs Non-Executive Bord Members - been constituted in terms of The performnce evlution Reserve Bnk of Indi of non-executive directors Guidelines nd the elected could be done by peer directors under cluse 9(3)(i) of group comprising the entire The Bnking Compnies Bord of Directors, excluding (Acquisition & Trnsfer of the director being evluted; Undertkings) Act, 1970 re nd Peer Group evlution subject to determintion of "fit could be the mechnism & proper" sttus. Further other to determine whether Non-Executive directors re to extend / continue the -ppointed by Goi, s per terms of ppointment of sttutory provisions. non-executive directors 7 Whistle Blower Policy - The The Bnk hs implemented the Bnk my estblish Whistle Blower Policy. mechnism for employees to report to the mngement concerns bout unethicl behviour, ctul or suspected frud or violtion of the compny's code of conduct or ethics policy. This mechnism could lso provide for dequte 127

130 mu dezpkfj;ks dks lrk, tkus ls cpko ds i;kzir O;oLFkk Hkh gks ldrh gs tks bl O olfkk dk lgkjk ysrs gs rfkk vlk/kkj.k ifjflfkfr;ks es lh/ks v/;{k ls leidz djus dh O;oLFkk Hkh gks ldrh gsa,d ckj LFkkfir gks tkus ds ckn llfkk ds Hkhrj bl O;oLFkk dh leqfpr tkudkjh nh tk ldrh gsa 5- vke csbds 'ks;j/kkjdks dh finyh rhu okf"kzd vke csbdks ds fooj.k bl çdkj gs% okf"kzd fnu,o fnukd le; LFkku vke csbd uoh cq/kokj] 21 tqykbz] iwokzà fqddh vkfmvksfj;e] rkulsu ekxz] ubz fnyyh & nloh lkseokj 27 twu] iwokzà ih,uch v fmvksfj;e] dsuæh; LVkQ d yst] 8 vmjfgy jksm] flfoy ykbzul] fnyyh & X;kjgoh exyokj 26 twu] iwokzà ih,uch v fmvksfj;e] dsuæh; LVkQ d yst] 8 vmjfgy jksm] flfoy ykbzul] fnyyh & mä okf"kzd vke csbdks es dksbz fo'ks"k ldyi çlrqr ugh fd, x,a Mkd ls erkf/kdkj dk ç;ksx ¼iksLVy csyv½ & cs d us,slk dksbz dkjksckj ugh djk;k gs ftles foùkh; o"kz ds nksjku Mkd }kjk ernku dh vuqefr nh x;h gksa 6- çdvhdj.k 6-1 v/;{k,o çc/k funs'kd rfkk dk;zikyd funs'kd ds ikfjjfed dk fu/kkzj.k Hkkjr ljdkj }kjk fd;k tkrk gsa csd xsj dk;zikyd funs'kdks dks cksmz vfkok milfefr;ks dh csbdks es Hkkx ysus ds fy, Hkkjr ljdkj }kjk fu/kkzfjr 'kqyd ds vykok dksbz vu; ikfjjfed ugh nsrka mä 'kqyd fueufyf[kr gs%& csbd çr;sd csbd es Hkkx ysus ds fy;s ns; 'kqyd ¼`½ cksmz cksmz dh mi lfefr #- 6-2 Hkkjrh; fjtoz ds fn'kk funsz'kks ds vuqlj.k es csd ds lec) ikvhz ysu&nsu dh flfkfr vuqlkj rqyui= ds [kkrks ds uksv~l ¼vuqlwph 18½ es n'kkz, x;s gsa 6-3 foxr 3 o"kks Z ds nksjku iw th cktkj ls lcf/kr ekeyks ds lcèk es tks }kjk csd ij dksbz ugh yxk, x, gsa sfegurds ginst victimiztion of employees who vil of the mechnism nd lso provide for direct ccess to the Chirmn of the Audit committee in exceptionl cses. Once estblished, the existence of the mechnism my be ppropritely communicted within the orgniztion. 5. Generl Body Meetings The detils of lst three Annul Generl Meetings of shreholders re s follows: Annul Dy & Dte Time Venue Generl Meeting Ninth Wednesdy m. FICCI Auditorium, July 21, 2010 Tnsen Mrg, New Delhi Tenth Mondy, m. PNB Auditorium, June 27, 2011 Centrl Stff College, 8, Underhill Rod, Civil Lines, Delhi Eleventh Tuesdy, m. PNB Auditorium, June 26, 2012 Centrl Stff College, 8, Underhill Rod, Civil Lines, Delhi No specil resolutions were put through in the bove sid Annul Generl Meetings. Postl Bllot - Bnk hs not conducted ny business in which postl bllot is permitted, during the finncil yer 6. Disclosures 6.1 The remunertion of the Chirmn & Mnging Director nd the Executive Directors is fixed by the Government of Indi. The Bnk does not py remunertion to the Non-Executive Directors except sitting fees fixed by Government of Indi, for ttending the meetings of the Bord or its sub-committees, which is s under:- Meeting Sitting Fees pyble per Meeting (`) Bord 10000/- Sub-Committee 5000/- 6.2 The Relted Prty Trnsctions of the Bnk s per RBI /ICAI guidelines re disclosed in the Notes on Accounts (in item 18) of the Blnce Sheet s on No penlties/strictures were imposed on the Bnk by SEBI/ Stock Exchnges in respect of mtters relted to Cpitl Mrket during the lst three yers. 128

131 7- lpkj ek/;e csd ds ifjpkyukred,o foùkh; dk;z fu"iknu dh tkudkjh fu;fer vk/kkj ij 'ks;j/kkjdks dks nh tkrh gsa foùkh; ifj.kke lekpkj i=ks es çdkf'kr fd, tkus ds lkfk&lkfk LV d,dlps t ¼,u,lbZ o ch,lbz½ es Hkh tek fd;s tkrs gsa foùkh; ifj.kke d ikszjsv fokkiu vksj lwpuk, br;kfn eq[;r% VkbEl v Q bfm;k] fgunqlrku VkbEl] fct+usl LVSUMMZ] QkbuSf'k;y,Dlçsl] bdksu fedl VkbEl] uohkkjr VkbEl] fgunqlrku] fct+usl LVSUMMZ ¼fgUnh½] nsfud tkxj.k vksj tulùkk es çdkf'kr fd, tkrs gsa foùkh; ifj.kke vksj llfkkxr dks crk;s x;s çsts Vs'kuks dks csd dh osclkbv ¼ ij n'kkz;k tkrk gsa blds vykok] foùkh; ifj.kkeks dks 'ks;j/kkjdks dks fçv,o bysdvª fud ehfm;k ds ek/;e ls lekpkj fokfir;ks }kjk Hkh lwfpr fd;k tkrk gsa okf"kzd fjiksvz csd dh osclkbv ij Hkh nh tkrh gsa 8- vke 'ks;j/kkjdks ds fy, lwpuk 8-1 csd ds 'ks;j/kkjdks dh 12oh okf"kzd vke csbd% csbd dk dk;zøe bl çdkj gs % fnu] frffk,o le; % 'kfuokj] 29 twu] 2013 iwokzà cts LFkku % ih,uch v fmvksfj;e] dsuæh; LVkQ d yst] 8] vmjfgy jksm] flfoy ykbzul] fnyyh & foùkh; dsys.mj 2013&14 ds fy, ¼lEHkkfor½ fueukfdr lekir foùkh; ifj.kkeks dk vuqeksnu twu 30] 2013 dks lekir frekgh & vxlr] 14] 2013 flrecj 30] 2013 dks lekir frekgh & uoecj] 14] 2013 fnlecj 31] 2013 dks lekir frekgh & Qjojh] 14] 2014 ekpz] 31] 2013 dks lekir frekgh o"kz & ys[kkijhf{kr ys[ks& 30 ebz] 2013 rd 8-3 cgh [kkrs cn djus dh frffk ¼ykHkk'k & foùk o"kz 2012&13 o 12oh vke csbd½ ls rd ¼nksuks fnu 'kkfey½ 8-4 ykhkk'k dk C;kSjk & foùkh; o"kz 2012&13 ds fy, ykhkk'k csd ds funs'kd e.my us viuh fnukd dks vk;ksftr csbd es for o"kz 2012&13 ds fy;s ds çr;sd bfdovh 'ks;j ij ` çfr 'ks;j ¼vFkkZr~ 270%½ ykhkk'k dh?kks"k.kk dh gs] ftldk Hkqxrku vke csbd es mldh?kks"k.kk ds 30 fnuks ds Hkhrj dj fn;k tk,xka 7. Mens of Communiction The informtion bout the opertionl nd finncil performnce of the Bnk is disseminted on regulr bsis to its stkeholders. The finncil results re submitted to the Stock Exchnges (NSE & BSE) besides being published in newsppers. Finncil results, corporte dvertisements nd notices etc. re published minly in Times of Indi, Hindustn Times, Business Stndrd, Finncil Express, Economic Times, Nvbhrt Times, Hindustn, Business Stndrd (Hindi), Dinik Jgrn nd Jnstt. The qurterly/nnul finncil results nd presenttions mde to institutionl investors/nlysts re plced on the website of the Bnk ( Further, the finncil results re lso communicted to the stkeholders through news releses through print nd electronic medi. The Annul Report is lso put on the Bnk's website. 8. Generl Shreholders Informtion th Annul Generl Meeting of the shreholders of the Bnk The following is the schedule of meeting: Dy & Dte : Sturdy, 29th June 2013 Time : 11:00 AM Venue : PNB Auditorium, Centrl Stff College, 8, Underhill Rod, Civil Lines, Delhi Finncil Clendr (Tenttive) Approvl of finncil results for the qurter/period ending - Q. E. June 30, By August 14, Q. E. September 30, By November 14, 2013 Q. E. December 31, By Februry 14, 2014 Q./Yer ended Mrch 31, Audited Accounts By My 30, Dtes of Book Closure for Dividend-F.Y & 12th AGM: From to (both dys inclusive) 8.4 Dividend detils - Finncil Yer Dividend: The Bord of Directors of the Bnk in its meeting held on recommended Dividend of `27/- (i.e.270%) per Equity Shre of `10/- ech for the F.Y , which will be pid within 30 dys of declrtion in the AGM 129

132 8-5 i½ LV d,dlpstks ij lwphdj.k % csd ds 'ks;j fueufyf[kr LV d,dlpstks es lwphc) gs%& LV d,dlpst LV d dksm lwphdj.k dh vkjfehkd frffk us'kuy LV d,dlpst ih,uch v Q bfm;k fy0¼,u,lbz½ ckecs LV d,dlpst fyfevsm] ¼ch,lbZ½ ii½ lwphdj.k 'kqyd rfkk vfhkj{kk 'kqyd dk Hkqxrku,u,lbZ rfkk ch,lbz dks okf"kzd lwphdj.k 'kqyd rfkk,u,lmh,y vksj lhmh,l,y dks okf"kzd vfhkj{kk 'kqyd v ru vnk gsa 8-6 csd ds 'ks;jks ds cktkj ewy; ¼`½ v fu"iknu*,u,lbz ch,lbz l;qä ek=k ekg mpp U;wu ek=k mpp U;wu ek=k ek=k vçsy] ebz twu tqykbz vxlr flrecj vdvwcj uoecj fnlecj tuojh] Qjojh ekpz dqy * lzksr osclkbv ( o"kz ds nksjku] csd ds 'ks;j dk ewy; U;w wure ` rfkk vfèkdre ` ¼cn vk/kkj ij½ rfkk,u,lbz vksj ch,lbz es dkjksckj dh dqy ek=k djksm+ 'ks;j jgh tcfd yksfvx LV d djksm+ 'ks;j jgka 8-7 csd fu Vh dh rqyuk es csd ds 'ks;j ewy; dk dk;zfu"iknu ih,uch dk 'ks;j csd fu Vh dk,d Hkkx gs rfkk bldk fu"iknu fueu vuqlkj jgka 8.5 (i) Listing on Stock Exchnges: The shres of the Bnk re listed on the following Stock Exchnges: Stock Exchnge Stock Dte of Code Initil Listing Ntionl Stock Exchnge PNB of Indi Limited (NSE) Bomby Stock Exchnge Ltd, (BSE) (ii) Pyment of Listing Fee nd Custodin chrges The nnul listing fee to NSE & BSE nd nnul custody chrges to NSDL & CDSL hve been pid upto dte. 8.6 Mrket Price Dt/Price performnce of Bnk s shres* NSE BSE COMBINED Month HIGH LOW VOLUME HIGH LOW VOLUME VOLUME April My June July August September October November December Jn Februry Mrch TOTAL *Source - NSE/BSE website ( / During the yer, the shre of the Bnk trded between minimum of ` nd mximum of ` nd totl volume trded t NSE & BSE ws crore shres s ginst the floting stock of crore shres. 8.7 Performnce of Bnk s shre price in comprison with Bnk Nifty. The shre of the Bnk is prt of Bnk Nifty nd hs performed s shown below: 130

133 8-8 çfr 'ks;j vkdm+k 2010& & &13 vfdr ewy; ¼`½ 31 ekpz dh flfkfr vuqlkj cktkj es m)`r,u,lbz ¼`½ vk; ¼`½ ykhkk'k ¼` 10 ds çr;sd bfdovh 'ks;j ij½ ykhkk'k ¼%½ cgh ewy; ¼`½ çnùk ykhkk'k ¼'kq) ykhk dk %½ jftlvªkj,o vurj.k,tsv ¼vkj,M Vh,½ chvy QkbuSf'k;y,M dei;wvj lfozlst ¼çk-½ fy- tksfd lsch es ithñr vksj 'ks;j vrj.k,ts V gs] csd ds 'ks;j vrj.k,ts V ds :i es ls fu;qä fd, x, gsa leidz fooj.k uhps fn, x, gs %& chvy QkbuSf'k;y,M dei;wvj lfozlst ¼çk-½ fy- ¼;wfuV % ih,uch½ chvy gkml] r`rh; ry 99] enuxhj] LFkkuh; 'k fix lsuvj ds ihns ubz fnyyh & Vsyh- u- & QSDl % 011& bz&esy beetl 8-10 ewrz :i es 'ks;j ¼i½ ewrz :i es 'ks;jks ds 'ks;j/kkjdks ls vuqjks/k gs fd os 'ks;jks ds vurj.k] 'ks;jks ds çs"k.k] vius irs es ifjorzu] uecj] bz&esy vksj csd vf/kns'k ¼cSd dk uke] irk [kkrk l[;k] ekbdj dksm br;kfn½ vksj bz&øsfmv vf/kns'k br;kfn ds lc/k es csd ds jftlvªkj,o vurj.k,ts.v dks lh/ks mä irs ij lwfpr djs A blls lhkh lns'kks rfkk ykhkdkjh fgrks dh Bhd,o le; ij çkfir lqfuf'pr gks ldsxha ¼ii½ 'ks;j vrj.k ç.kkyh ¼ewrZ :i es 'ks;j½ 'ks;j vrj.k lfefr ds vuqeksnu ds ckn jftlvªkj,o 'ks;j vrj.k,tsuv }kjk fu/kkzfjr le; ds Hkhrj ewrz 'ks;j vurfjr dj fn;s tkrs gsa 8-11 MhesV :i es 'ks;j ¼i½ csd ds 'ks;jks dk dkjksckj vfuok;zr% MheSV :i ls vkbz,lvkbz,u dwv vkbz,ubz 160A ds vrxzr fd;k tkrk gsa nh us'kuy fld;wjfjvht fmikftvjh fy- ¼,u,l Mh,y½ rfkk lsuvªy fmi ftvjh lfozlst fyfevsm ¼lhMh,l,y½ fmi ftvjh es csd ds 'ks;j MheSV :i es j[ks x;s gsa ¼ii½ 'ks;j/kkjd ftuds ikl 'ks;j MheSV #i es gs muls vuqjks/k gs fd os vius irs vfkok uecj] bz&esy irk] csd vf/kns'k ¼cSd dk uke] irk] [kkrk l- ekbzdj dksm br;kfn½ es ifjorzu rfkk bz&øsfmv vf/kns'k vkfn es ifjorzu ds lc/k es fjd MZ vimsv djus ds fy, lh/ks vius fmikftvjh lg;ksxh dks lwfpr djsa blls lhkh lns'kks rfkk ykhkdkjh fgrks dh Bhd,o le; ij çkfir lqfuf'pr gks ldsxha 8.8 Per Shre Dt Fce Vlue (`) 10/- 10/- 10/- Mrket Quottion s on 31st Mrch -NSE(`) Ernings (`) Dividend (per Equity Shre of (`)10/ ech) Dividend (%) Book Vlue (`) Dividend pyout (% of Net Profit) Registrr & Trnsfer Agent (R&TA) Beetl Finncil & Computer Services (P) Ltd., SEBI registered Registrr nd Shre Trnsfer Agent hs been ppointed Shre Trnsfer Agent of the Bnk w.e.f Contct detils re given below: Beetl Finncil & Computer Services (P) Limited (Unit: PNB) 'Beetl House', 3rd Floor 99, Mdngir, Behind Locl Shopping Centre New Delhi Tel. No /82/83, Fx: e-mil: 8.10 (i) Shres in physicl form Shreholders holding shres in physicl form my send requests/communictions for trnsfer/trnsmission of shres, chnge of ddress (with Telephone / Mobile Numbers), E-mil ddress, chnge in Bnk mndte (i.e. Nme of Bnk, Address, Account No., MICR Code etc.) nd e-credit mndte etc. directly to R&TA of the Bnk t the bove given ddress. This will ensure timely receipt of ll communictions & beneficil interests by them. (ii) Shre Trnsfer System (Physicl Shres) The trnsfer of physicl shres is effected by the R&TA within the stipulted time on pprovl by Shre Trnsfer Committee of the Bnk Shres in Demt form. (i) The Bnk's shres re trded compulsorily in Demt mode under ISIN code INE160A The Ntionl Securities Depository Ltd, (NSDL) nd the Centrl Depository Services Ltd. (CDSL) re the depositories holding the Bnk's shre in Demt form. (ii) Shreholders holding shres in Demterilized form, in cse of chnge in ddress or Telephone / Mobile Numbers, E-mil ddress for communictions, Bnk mndte (Nme of Bnk, Address, Account No, MICR Code etc.), e-credit mndte etc. re requested to inform to their Depository Prticipnt directly for updting the records. This will ensure timely receipt of ll communictions & beneficil interests by them. 131

134 8-12 ih,uch & vnkokñr 'ks;j ¼mpr½ [kkrs % lsch funsz'kks ds vuqlkj vnkokñr 'ks;jks dk C;kSjk fueufyf[kr gs%&,qihvks ¼2005½ vkbzihvks¼2002½ dqy Ø-l- fooj.k 'ks;j/kkjdks 'ks;jks 'ks;j/kkjdks 'ks;jks 'ks;jèkkjdks 'ks;jks dh l[;k dh dqy dh l[;k dh dqy dh l[;k dh dqy l[;k l[;k l[;k 1 o"kz ds çkjehk vfkkzr~ dks cdk;k 2 o"kz ds nksjku 'ks;j 'kwu; 'kwu; vrj.k ds fy, vk, 'ks;j/kkjdks dh l[;k 3 o"kz ds nksjku 'ks;j/kkjdks 'kwu; 'kwu; dh l[;k ftuds 'ks;j vrfjr fd, x, 4 o"kz ds vr vfkkzr~ dks cdk;k ¼1&3½ * çekf.kr fd;k tkrk gs fd bu 'ks;jks ij oksfvx vf/kdkj rc rd Ýht+ jgsxk tc rd fd bu 'ks;jks dk vlyh Lokeh nkok ugh djrka ekpz] 2013 dh flfkfr vuqlkj 'ks;j/kkfjrk rfkk forj.k isvuz ¼i½ 'ks;j/kkfjrk isvªu 'ks;j/kkjdks dh Js.kh /kkfjr bfdovh 'ks;jks dh çfr'krrk Hkkjr ds jk"vªifr deifu;k E;qpqvy Q.M 3-18 Hkkjrh; 1-15 Hkkjrh; 4-07 tksm ¼ii½ dh flfkfr vuqlkj 'ks;j/kkjdks dh l[;k ¼iii½ çr;sd bfdovh 'ks;j dk lkdsfrd ewy; ¼iv½ forj.k isvuz 'ks;j dqy dh 'ks;jks dk bfdovh jkf'k ` dqy èkkjdks çfr'krrk lkdsfrd 'ks;jks dk dh l[;k ewy; ¼`½ dh l[;k izfr'kr rd ls ls ls ls ls ls ls vfèkd dqy % ds vuqlkj 'ks;j/kkjdks }kjk ewrz #i es rfkk MhesV #i es /kkfjr 'ks;jks dk fooj.k Ø-l- fooj.k 'ks;j/kkjdks dh 'ks;jks dh 'ks;j/kkfjrk 'ks;j/kkfjrk l[;k l[;k dk çfr'kr 1 ewrz #i es MheSV #i es ftues ls i½,u,lmh,y ii½ lhmh,l,y dqy ¼1$2½ FPO (2005) IPO (2002) TOTAL Sr. Prciculrs No of No of No of No. of No of No of No. Shre- Shres Shres Shres Shre Shres holders holders holders 1 Opening t the beginning of the yer i.e No. of shreholders Nil Nil pproched for trnsfer of shres during the yer 3 No. of shreholders to Nil Nil whom shres were trnsferred during the yer 4 Outstnding t the end of the yer.e (1-3) * Certified tht voting rights on these shres shll remin frozen till the rightful owner clims the sid shres Shreholding nd Distribution Pttern s on 31 st Mrch 2013 (i) Shreholding Pttern Shreholders Ctegory %ge shres held President of Indi FIIs/NRIs/OCBs Bnks/Finncil Institutions/Insurnce Compnies Mutul Funds 3.18 Domestic Compnies/Trusts 1.15 Indin Public/Resident Individuls 4.07 Totl PNB-Unclimed Shres (Suspense) A/c: The detils of unclimed shres s per SEBI directive is s under:- (ii) No. of shreholders s on (iii) Nominl vlue of ech shre Rs.10/- (iv) Distribution Pttern No. of % ge Shreholding of No. of Amount %ge Shre- of Nominl Vlue Shres ` to holders Totl of ` Totl Upto to to to to to to nd bove Totl: Detils of shres held by the Shreholders in Physicl & Demt form s on : S. Prticulrs No. of No. of % No. Shreholders Shres Shreholding 1. Physicl Demt of which i) NSDL ii) CDSL Totl (1+2)

135 foùkh; o"kz ds nksjku] csd us ` çfr bfdovh 'ks;j ds vfdr ewy; ds ` ds çhfe;e ij 1]42]94]713 bfdovh 'ks;j Hkkjr ljdkj dks vf/keku vk/kkj ij vkcfvr fd;s ftlds QyLo:i csd dks ` 1247]99]99] dh jkf'k çkir gqbza dh flfkfr vuqlkj HkkSxksfyd vk/kkj ij 'ks;j/kkjdks dh flfkfr bysdvª fud ewrz :i es dqy 'kgj dk 'ks;j& çfr'kr 'ks;j çfr'kr 'ks;j çfr'kr 'ks;j çfr'kr 'ks;j izfr'kr 'ks;j izfr'kr uke /kkjd /kkjd /kkjd vgenkckn csxyksj psuubz fnyyh gsnjkckn dksydùkk eqecbz ,ulhvkj vu; dqy foùkh; o"kz 2012&13ds nksjku csd us dksbz Hkh vfkok dksbz Hkh ifjorzuh; foys[k tkjh ugh fd;k gs rfkk dksbz ;k dksbz ifjorzuh; foys[k cdk;k ugh gsa 8-16 i=kpkj dk irk %& i½ deiuh lfpo itkc us'kuy csd 'ks;j fohkkx] foùk çhkkx 5] lln ekxz] ubz fnyyh & ii½ nwjhkk"k l- 011 & iii½ QSDl 011 & iv½ bz&esy % Ñrs itkc us'kuy csd LFkku % ubz fnyyh ¼ds-vkj-dker½ fnukd % v/;{k,o çc/k funs'kd?kks"k.kk csd us lhkh cksmz lnl;ks rfkk ofj"b çc/ku oxz ds vf/kdkfj;ks ds fy, vkpkj lfgrk rs;kj dh gs ftls csd dh osclkbv Us/Orgnistionl Structure ij n'kkz;k x;k gsa cksmz ds lhkh lnl;ks rfkk ofj"b çc/ku us LV d,dlups t ds lkfk lwphdj.k djkj ds [k.m 49¼I½ ¼Mh½ ds vuqlkj vkpkj lfgrk ds vuqikyu dh iqf"v dh gsa Ñrs itkc us'kuy csd During the Finncil Yer Bnk llotted 1,42,94,713 Equity Shres to Govt. of Indi of `10/- ech on preferentil bsis t premium of ` per Equity Shre nd the mount received by the Bnk on this ccount is `1247,99,99, Geogrphicl spred of Shreholders s on ELECTRONIC PHYSICAL TOTAL City Holder Per Shres Per Holders Per Shres Per Holder Per Shres Per % % % % % % AHMEDABAD BANGALORE CHENNAI DELHI HYDERABAD KOLKATA MUMBAI NCR OTH OTHER TOTAL Bnk hs not issued ny GDRs/ADRs/Wrrnts or ny convertible instruments during the finncil yer nd there re no outstnding GDRs/ADRs/Wrrnts or ny convertible instruments s on Address for Correspondence i) The Compny Secretry Punjb Ntionl Bnk Shre Deprtment, Finnce Division 5, Snsd Mrg, New Delhi ii) Tel. No iii) Fx iv) e-mil : Plce: New Delhi Dte: For Punjb Ntionl Bnk (K. R. Kmth) Chirmn & Mnging Director Declrtion The Bnk hs lid down Code of Conduct for ll the Bord Members nd Senior Mngement Personnel of the Bnk, which is posted on the website of the Bnk i.e. /About Us/Orgnistionl Structure The Bord Members nd Senior Mngement hve ffirmed complince to the Code of Conduct in ccordnce with Cluse 49 (I) (D) of the Listing Agreement entered into with Stock Exchnges. For Punjb Ntionl Bnk LFkku % ubz fnyyh fnukd % ¼ds-vkj-dker½ v/;{k,o çc/k funs'kd Plce: New Delhi Dte: (K. R. Kmth) Chirmn & Mnging Director 133

136 ys[kkijh{kdks dk çek.ki= Auditors' Certificte itkc us'kuy csd ds lnl;x.k geus csd ds 'ks;j cktkj ds lkfk gq, lwphc) vuqc/k ds [km 49 es ;FkkfufnZ"V 31 ekpz] 2013 dks lekir gq, o"kz ds fy;s fuxfer 'kklu dh 'krks Z dk itkc us'kuy csd }kjk vuqikyu fd, tkus dh tk p dh gsa fuxfer 'kklu dh 'krks Z ds vuqikyu dh fteesnkjh çc/ku dh gsa gekjh tkp fuxfer 'kklu dh 'krks Z ds vuqikyu ds lqfu'p; gsrq csd }kjk vxhñr dk;zi)fr;ks rfkk muds fø;kuo;u rd gh lhfer gsa ;g u rks ys[kk ijh{kk gs vksj u gh csd dh foùkh; foojf.k;ks ij jk; dh vfhko;fä gsa gekjh jk; es rfkk ges nh x;h lwpuk,o ges fn;s x;s Li"Vhdj.kks ds vuqlkj ge çekf.kr djrs gs fd csd us mi;qzä lwphc) djkj es ;FkkfufnZ"V fuxfer 'kklu dh 'krks Z dk bl lhek rd vuqikyu fd;k gs fd muls Hkkjrh; fjt+oz csd ds ekxzfunsz'kks dk myy?ku ugh gksrk gs A ge ;g Hkh lwfpr djrs gs fd bl çdkj dk vuqikyu u rks csd dh Hkkoh O;ogk;Zrk vksj u gh çc/ku }kjk csd dk dkedkt pykus es mldh n{krk vfkok çhkko'khyrk ds çfr dksbz vk'oklu nsrk gsa Ñrs rfkk fueu dh vksj ls esllz cksjdj,m eqtqenkj esllz th-,l- ek/ko jko,m deiuh lunh ys[kkdkj lunh ys[kkdkj,q vkj,u MCY;w,Q vkj,u ,l ¼jkts'k lh ckfke½ ¼th- ekf.kd; izlkn½ lk>snkj lk>snkj lnl;rk l lnl;rk l esllz fqyhiksl,m deiuh esllz ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj lunh ys[kkdkj,q vkj,u ,l,Q vkj,u bZ ¼lh,p Jhèkju½ ¼ch vkj xks;y½ lk>snkj lk>snkj lnl;rk l lnl;rk l esllz lhohds,m,lksfl,vl esllz jes'k diwj,m deiuh lunh ys[kdkj lunh ys[kdkj,q vkj,u MCY;w,Q vkj,u ,u ¼, ds ç/kku½ esllz jes'k diwj lk>snkj lk>snkj lnl;rk l lnl;rk l LFkku % u;h fnyyh fnukd % To the members of Punjb Ntionl Bnk We hve exmined the complince of conditions of Corporte Governnce by Punjb Ntionl Bnk for the yer ended 31st Mrch 2013, s stipulted in Cluse 49 of the Listing Agreement of the Bnk with Stock Exchnges. The complince of conditions of Corporte Governnce is the responsibility of the Mngement. Our exmintion ws limited to procedures nd implementtion thereof, dopted by the Bnk for ensuring the complince of the condition of Corporte Governnce. It is neither n udit nor n expression of opinion on the finncil sttements of the Bnk. In our opinion nd to the best of our informtion nd ccording to the explntions given to us, we certify tht the Bnk hs complied with the conditions of Corporte Governnce s stipulted in the bove mentioned Listing Agreement to the extent these do not violte RBI guidelines. We further stte tht such complince is neither n ssurnce s to the future vibility of the Bnk nor the efficiency or effectiveness with which the mngement hs conducted the ffirs of the Bnk. For nd on behlf of M/s Borkr & Muzumdr Chrtered Accountnts FRN W (Rjesh C Bthm) Prtner Membership No M/s Phillipos & Co. Chrtered Accountnts FRN S M/s G. S. Mdhv Ro & Co. Chrtered Accountnts FRN S (G. Mniky Prsd) Prtner Membership No M/s K N Gutguti & Co. Chrtered Accountnts FRN E (C H Sreedhrn) (B R Goyl) Prtner Prtner Membership No Membership No M/s CVK & Assocites M/s Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts FRN W FRN N (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Membership No Membership No Plce: New Delhi Dte:

137 135

138 itkc us'kuy csd dk 31 ekpz] 2013 dh flfkfr ds vuqlkj rqyu&i= BALANCE SHEET OF PUNJAB NATIONAL BANK AS ON MARCH 31, 2013 iww wth vksj ns;rk, Cpitl & Libilities ¼` ^000 dks NksM+ fn;k x;k 000 omitted)½ 31 ekpz 2013 dks 31 ekpz 2012 dks As on Mrch 31, 2013 As on Mrch 31, 2012 iww wth Cpitl izkjf{kr fufèk vksj vfèk'ks"k Reserves & Surplus tekjkf'k;k Deposits mèkkj Borrowings vu; ns;rk, vksj izkoèkku Other Libilities nd Provisions vkflr;k ASSETS udnh vksj Hkkjrh; fjt+oz csd ds ikl tek 'ks"k Csh & Blnces with Reserve Bnk of Indi csdks ds ikl tek 'ks"k vksj ek x rfkk vyi lwpuk ij izki; èku Blnces with Bnks & Money t cll & short notice fuos'k Investments vfxze Advnces vpy vkflr;k Fixed Assets vu; ns;rk, Other Assets vkdfled ns;rk, Contingent Libilities olwyh ds fy, fcy Bills for Collection izeq[k ys[kkdu uhfr;k Significnt Accounting Policies 17 ys[kk fviif.k;k Notes on Accounts 18 1 ls 18 dh vuqlwfp;k lcfèkr ys[kk dk vfhkuu vx gsa The Schedules 1 to 18 form n integrl prt of the Accounts. Vh ds ckykeqdqunu lgk;d egkçcu/kd vkj vkj owjs mi egkçcu/kd oh ds [kuuk egkçcu/kd,l vkj cly dk;zikyd funs'kd m"kk vurlqczã.;u dk;zikyd funs'kd jkds'k lsbh dk;zikyd funs'kd T K BALAMUKUNDAN R R VOORE V K KHANNA S R BANSAL USHA ANANTHASUBRAMANIAN RAKESH SETHI ASSTT. GENERAL MANAGER DY. GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR ds-vkj- dker v/;{k,o çcu/k funs'kd K R KAMATH CHAIRMAN & MANAGING DIRECTOR vuqjkx tsu funs'kd,u,l fo'oukfku funs'kd ch ch pks/kjh funs'kd,e, vrqys funs'kd Vh lh >ykuh funs'kd,e,u xksihukfk funs'kd Mh ds flxyk funs'kd Mk- lquhy xqirk funs'kd ANURAG JAIN N S VISHWANATHAN B B CHAUDHRY M A ANTULAY T C JHALANI M N GOPINATH D K SINGLA Dr. SUNIL GUPTA DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR s s s d`rs cksjdj,m etwenkj lunh ys[kkdkj d`rs th,l ek/ko jkvks,m deiuh lunh ys[kkdkj d`rs fqyhiksl,m deiuh lunh ys[kkdkj d`rs ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj d`rs lh oh ds,m,lksfl,v~l lunh ys[kkdkj d`rs jes'k diwj,m deiuh lunh ys[kkdkj For Borkr & Muzumdr For G S Mdhv Ro & Co. For Phillipos & Co. For K N Gutguti & Co. For CVK & Assocites For Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts ¼jkts'k lh ckfke½ lk>snkj ¼th ekf.kd; çlkn½ lk>snkj ¼lh,p Jh/kju½ lk>snkj ¼ch vkj xks;y½ lk>snkj ¼, ds ç/kku½ lk>snkj ¼jes'k diwj½ lk>snkj lnl; l ],Qvkj,u MCY;w lnl; l ],Qvkj,u ,l lnl; l ],Qvkj,u ,l lnl; l ,Qvkj,u b lnl; l ,Qvkj,u MCY;w lnl; l ,Qvkj,u ,u (Rjesh C Bthm) (G Mniky Prsd) (C H Sreedhrn) (B R Goyl) (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Prtner Prtner Prtner Prtner M No , FRN W M No , FRN S M No , FRN S M No , FRN E M No , FRN W M No , FRN N LFkku /Plce: ubz fnyyh/new Delhi fnukd /Dte:

139 itkc us'kuy csd dk 31 ekpz] 2013 dks lekirk o"kz ds fy, ykhk o gkfu [kkrk PROFIT AND LOSS ACCOUNT OF PUNJAB NATIONAL BANK FOR THE YEAR ENDED MARCH 31, 2013 ¼` ^000 dks NksM+ fn;k x;k 000 omitted)½ 31 ekpz 2013 dks lekir o"kz 31 ekpz 2012 dks lekir o"kz Yer ended Mrch 31, 2013 Yer ended Mrch 31, 2012 I. vk; INCOME vftzr C;kt Interest erned vu; vk; Other Income II. O;; EXPENDITURE [kpz fd;k x;k C;kt Interest expended ifjpkyu [kpz Operting expenses izkoèkku vksj vkdfledkrk;s Provisions nd Contingencies III. ykhk PROFIT- Net Profit for the period tksm+s% ykhk o gkfu [kkrs es tek 'ks"k Add: Blnce in Profit & Loss A/c - - fofu;kstu ds fy, miycèk ykhk Profit Avilble for Approprition IV. fofu;kstu APPROPRIATIONS fueufyf[kr dks vrj.k% Trnsfer to : lkfofèkd izkjf{kr fufèk;k Sttutory Reserves iw th izkjf{kr fufèk Cpitl Reserves jktlo rfkk vu; izkjf{kr fufèk;k Revenue & Other Reserves &13 ds fy, izlrkfor ykhkk'k&270% dh nj ls ¼o"kZ 2011&12 ds fy, 220% dh nj ls iznùk½ % proposed for the yer pid for the yer ) &13 ds fy, izlrkfor ykhkk'k ij dj Tx on Dividend proposed for the yer ykhkk'k ij dj ds fy, izkoèkku ls vrfjr 'ks"k Blnce Trnsferred from provision for Tx on Dividend vk;dj vfèkfu;e ds vuqlkj fo'ks"k izkjf{kr fufèk Specil reserve s per Income Tx Act ykhk o gkfu [kkrs es 'ks"k Blnce in Profit & Loss Account izfr 'ks;j vtzu vfdr ewy; ¼`½ Erning per Shre (`) (Bsic/Diluted) izeq[k ys[kkdu uhfr;k Significnt Accounting Policies 17 [kkrks ls lcfèkr fviif.k;k Notes on Accounts 18 1 ls 18 dh vuqlwfp;k lcfèkr ys[kk dk vfhkuu vx gsa The Schedules 1 to 18 form n integrl prt of the Accounts. Vh ds ckykeqdqunu lgk;d egkçcu/kd vkj vkj owjs mi egkçcu/kd oh ds [kuuk egkçcu/kd,l vkj cly dk;zikyd funs'kd m"kk vurlqczã.;u dk;zikyd funs'kd jkds'k lsbh dk;zikyd funs'kd T K BALAMUKUNDAN R R VOORE V K KHANNA S R BANSAL USHA ANANTHASUBRAMANIAN RAKESH SETHI ASSTT. GENERAL MANAGER DY. GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR ds-vkj- dker v/;{k,o çcu/k funs'kd K R KAMATH CHAIRMAN & MANAGING DIRECTOR vuqjkx tsu funs'kd,u,l fo'oukfku funs'kd ch ch pks/kjh funs'kd,e, vrqys funs'kd Vh lh >ykuh funs'kd,e,u xksihukfk funs'kd Mh ds flxyk funs'kd Mk- lquhy xqirk funs'kd ANURAG JAIN N S VISHWANATHAN B B CHAUDHRY M A ANTULAY T C JHALANI M N GOPINATH D K SINGLA Dr. SUNIL GUPTA DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR s s s d`rs cksjdj,m etwenkj lunh ys[kkdkj d`rs th,l ek/ko jkvks,m deiuh lunh ys[kkdkj d`rs fqyhiksl,m deiuh lunh ys[kkdkj d`rs ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj d`rs lh oh ds,m,lksfl,v~l lunh ys[kkdkj d`rs jes'k diwj,m deiuh lunh ys[kkdkj For Borkr & Muzumdr For G S Mdhv Ro & Co. For Phillipos & Co. For K N Gutguti & Co. For CVK & Assocites For Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts ¼jkts'k lh ckfke½ lk>snkj ¼th ekf.kd; çlkn½ lk>snkj ¼lh,p Jh/kju½ lk>snkj ¼ch vkj xks;y½ lk>snkj ¼, ds ç/kku½ lk>snkj ¼jes'k diwj½ lk>snkj lnl; l ],Qvkj,u MCY;w lnl; l ],Qvkj,u ,l lnl; l ],Qvkj,u ,l lnl; l ,Qvkj,u b lnl; l ,Qvkj,u MCY;w lnl; l ,Qvkj,u ,u (Rjesh C Bthm) (G Mniky Prsd) (C H Sreedhrn) (B R Goyl) (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Prtner Prtner Prtner Prtner M No , FRN W M No , FRN S M No , FRN S M No , FRN E M No , FRN W M No , FRN N LFkku /Plce: ubz fnyyh/new Delhi fnukd /Dte:

140 vuqlwph 1 & iw th SCHEDULE 1 - CAPITAL dks dks As on As on çkf/kñr iw th % 300]00]00]000 bfdovh 'ks;j] çr;sd ` 10 dk Authorised 300,00,00,000 Equity Shres of ` 10 ech tkjh rfkk vfhknùk çr;sd # ds 35]34]73]396 bfdovh 'ks;j ¼fiNys o"kz çr;sd ` ds 33]91]78]683 bfdovh 'ks;j½ Issued & Subscribed 35,34,73,396 (Previous yer 33,91,78, Equity Shres of `10 ech çnùk 35]34]73]396 ¼fiNys o"kz 33]91]78]683½ bfdovh 'ks;j] çr;sd ` dk ¼bues :- çfr bfdovh 'ks;j ds dsæh; ljdkj }kjk /kkfjr 20]45]71]589 bfdovh 'ks;j 'kkfey gs ½ Pid Up 35,34,73,396 (Previous yer 33,91,78,683) Equity Shres of `10 ech (includes 20,45,71,589 equity shres of `10 ech held by Centrl Government ) vuqlwph 2 & çkjf{kr fuf/k;k vksj vf/k'ks"k SCHEDULE 2 - RESERVES & SURPLUS ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. lkfof/kd çkjf{kr fuf/k;k Sttutory Reserves çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer II. iwthxr çkjf{kr fuf/k;k Cpitl Reserves d½ iquewzy;u çkjf{kr fuf/k;k ) Revlution Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku dvksrh Deduction during the yer ¼lifÙk ds iquewzy;u Hkkx ij ewy;âkl ds dkj.k½ vu; çkjf{kr fuf/k;ks es vrfjr (being deprecition on revlued portion of property) Trnsfer to Other Reserves [k vu; b) Others çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer

141 vuqlwph 2 & çkjf{kr fuf/k;k vksj vf/k'ks"k ¼tkjh½ SCHEDULE 2 - RESERVES & SURPLUS (Contd.) III. IV. ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on 'ks;j çhfe;e Shre Premium çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer o"kz ds nksjku dvksrh Deduction during the yer jktlo rfkk vu; çkjf{kr fuf/k;k Revenue nd other Reserves d fuos'k çkjf{kr fuf/k ) Investment Reserve çkjfehkd 'ks"k Opening Blnce tksm+s % ykhk o gkfu fofu;kstu [kkrs ls vrfjr Add :Trnsfer from P&L Approprition A/c 0 0?kVk, % ykhk o gkfu fofu;kstu [kkrs dks vrfjr Less:Trnsfer to P&L Approprition A/c [k fofue;?kv&c<+ çkjf{kr fuf/k b) Exchnge Fluctution Reserve çkjfehkd 'ks"k Opening Blnce tksm+s % o"kz ds nksjku o`f) Add :Addition during the yer 0?kVk, % o"kz ds nksjku dvksrh ¼'kq)½ Less:Deduction during the yer (Net) x- vk;dj vf/kfu;e 1961 dh /kkjk 36 ¼1½ (viii) ds vurxzr fo'ks"k çkjf{kr fuf/k c) Specil Reserve under Sec.36(1) (viii) of Income Tx Act, 1961 çkjfehkd 'ks"k Opening Blnce vu; çkjf{kr fuf/k;ks ls vrfjr Trnsferred from Other Reserves o"kz ds nksjku o`f) Addition during the yer ?k- vu; çkjf{kr fuf/k d) Other Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer ?kVk, % fo'ks"k çkjf{kr fuf/k vk;dj dks vrfjr Less:Trnsferred to Specil Reserves I.Tx 0 0 tksm+s % iquewzy;kdu çkjf{kr fuf/k;ks ls vrfjr Add: Trnsfer from Revlution Reserves 0 0?kVk, % fu#) [kkrks ds fy, Hkqxrku Less: Pyment for blocked ccounts V- ykhk&gkfu [kkrs es 'ks"k V. Blnce in Profit & Loss Account 0 0 I,II,III,IV,V dk tksm+ Totl of I, II, III, IV,V

142 vuqlwph 3 & tekjkf'k;k SCHEDULE 3 - DEPOSITS ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on ek x tek jkf'k;k I. Demnd Deposits (i) csdks ls From Bnks (ii) vu; ls From Others II. cpr csd tek jkf'k;k Svings Bnk Deposits III. eh;knh tek jkf'k;k Term Deposits v- (i) csdks ls A. From Bnks (ii) vu; ls From Others I, II & III dk tksm+ Totl I, II & III c- (i) Hkkjr es flfkr 'kk[kkvks dh tek jkf'k;k B. Deposits of brnches in Indi (ii) Hkkjr ls ckgj flfkr 'kk[kkvks dh tek jkf'k;k Deposits of brnches outside Indi c- (i) vksj (ii) dk tksm+ TOTAL B (i) & (ii) vuqlwph 4 & m/kkj SCHEDULE 4 - BORROWINGS ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. Hkkjr es m/kkj Borrowings in Indi (i) Hkkjrh; fjtoz csd ls Reserve Bnk of Indi (ii) vu; csdks ls Other Bnks (iii) vu; llfkkvks vksj,tsfl;ks ls Other Institutions nd Agencies (iv) vçfrhkwr çfrns; ck.m Unsecured Redeemble Bonds d Vh;j &I ck.m ¼csfe;knh _.k fy[krs ½ ) Tier-I Bonds (Perpetul Debt Instruments) [k vij Vh;j &II ck.m b) Upper Tier-II Bonds x Vh;j &II iw th ds fy, xks.k _.k c) Subordinte debts for Tier II Cpitl II. Hkkjr ls ckgj m/kkj II. Borrowings outside Indi I, II dk tksm+ Totl of I, II mi;qzä I,o II es 'kkfey çfrhkwr m/kkj Secured Borrowings included in I & II bove

143 vuqlwph 5 & vu; ns;rk, vksj çko/kku SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. ns; fcy Bills Pyble II. vr% dk;kzy; lek;kstu ¼'kq)½ Inter-Office djustments(net) III. IV. mifpr C;kt Interest ccrued vu; ¼çko/kkuks lfgr½ Deferred Tx Libility (Net) 0 0 V. LFkfxr dj ns;rk ¼'kq)½ Others (including Provisions) I, II, III, IV, V dk tksm+ Totl of I, II, III, IV, V vuqlwph 6 & udnh vksj Hkkjrh; fjtoz csd ds ikl 'ks"k SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. gkfk es udnh ¼fons'kh eqæk djslh uksvks lfgr½ Csh in hnd (including foreign currency notes) II. Hkkjrh; fjtoz csd ds ikl 'ks"k Blnce with Reserve Bnk of Indi pkyw [kkrs es In Current Account vu; [kkrks es In other Account 0 0 I, II dk tksm+ Totl of I, II vuqlwph 7 & csdks ds ikl 'ks"k rfkk ek x vksj vyi lwpuk ij çki; /ku SCHEDULE 7- BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. Hkkjr es In Indi (i) csdks ds ikl 'ks"k Blnces with Bnks d) pkyw [kkrks es ) In Current Accounts [k) vu; tek [kkrks es b) In Other Deposit Accounts (ii) ek x vksj vyi lwpuk ij çki; /ku Money t Cll nd Short Notice d) csdks ds ikl ) with Bnks [k) vu; llfkkvks ds ikl b) with Other Institutions tksm+ TOTAL

144 vuqlwph 7 & csdks ds ikl 'ks"k rfkk ek x vksj vyi lwpuk ij çki; /ku ¼tkjh½ SCHEDULE 7- BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE (Contd.) II. 142 ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on Hkkjr ls ckgj Outside Indi (i) csdks ds ikl 'ks"k Blnces with Bnks d) pkyw [kkrks es ) In Current Accounts [k) vu; tek [kkrks es b) In Other Deposit Accounts (ii) ek x vksj vyi lwpuk ij çki; /ku Money t Cll & Short Notice I vksj II dk lexz TOTAL of I, II vuqlwph 8 & fuos'k SCHEDULE 8 - INVESTMENTS ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. Hkkjr es fuos'k % ldy Investments in Indi : Gross ?kVk, % ewy;ºzkl ds fy, çko/kku Less: Provision for Deprecition Hkkjr es 'kq) fuos'k Net Investment in Indi (i) ljdkjh çfrhkwfr;k Government Securities (ii) vu; vuqeksfnr çfrhkwfr;k Other Approved Securities (iii) 'ks;j Shres (iv) _.ki= vksj ck.m Debentures nd Bonds (v) vuq"kfx;k l;qä m e ¼çk;ksftr llfkkvks lfgr½ Subsidiries nd/or joint ventures ( including sponsored institutions ) (vi) vu; ¼fofHkUu E;wpqvy QMks o okf.kft;d i=ks vkfn es ½ Others (Vrious Mutul Funds & Commercil Ppers etc.) I dk of I II. Hkkjr ls ckgj fuos'k % ldy Investments Outside Indi : Gross ?kVk, % ewy;ºzkl ds fy, çko/kku Less: Provision for deprecition 0 0 Hkkjr ls ckgj 'kq) fuos'k Net Investments outside Indi (i) LFkkuh; çkf/kdj.kks lfgr ljdkjh çfrhkwfr;k Govt. securities including locl uthorities 0 0 (ii) fons'k flfkr vuq"kfx;k l;qä m e Subsidiry nd / or Joint ventures brod (iii) vu; Others II dk of II lexz tksm+ I, II/GRAND TOTAL of I, II

145 vuqlwph 9 & vfxze SCHEDULE 9 - ADVANCES ¼#i;s 000 dks NksM+ fn;k x;k 000 omitted)½ dks dks As on As on v- (i) [kjhns vksj Hkquk;s x;s fcy A. Bills purchsed nd discounted (ii) udn m/kkj] vksojmªkv vksj ek x ij ns; _.k Csh Credits, Overdrfts & Lons repyble on demnd (iii) eh;knh _.kzzzzzzzzzzzzzzzzzzzzzzzzzzzz Term Lons tksm+/totl vk- (i) ewrz vkflr;ks }kjk çfrhkwr ¼bles cgh _.kks ij fn, x;s vfxze 'kkfey gs½ B. Secured by tngible ssets (Includes dvnces ginst Book Debts) (ii) ljdkj dh xkjfv;ks }kjk ljf{kr Covered by Bnk/Government gurntees (iii) vçfrhkwr Unsecured tksm+/totl b- (I) Hkkjr es vfxze C. Advnces in Indi (i) çkfkfedrk {ks= Priority Sector (ii) lkoztfud {ks= Public Sector (iii) csd Bnks (iv) vu; Others b- (I) Hkkjr ls ckgj vfxze D. Advnces outside Indi (i) csdks ls çki; Due from Bnks (ii) vu; ls çki; Due from Others ¼d½ [kjhns vksj Hkquk;s x;s fcy () Bills Purchsed & Discounted ¼[k½ lkewfgd _.k (b) Syndicted Lon ¼x½ vu; (c) Others lexz tksm+ ¼I,o II dk tksm+½ GRAND TOTAL (Totl of I & II)

146 vuqlwph 10 & vpy vkflr;k SCHEDULE 10 - FIXED ASSETS ¼#i;s 000 dks NksM+ fn;k x;k 000 omitted)½ dks dks As on As on v- ewrz vkflr;k A TANGIBLE ASSETS I. ifjlj Premises finys o"kz dh 31 ekpz dh ij At cost / vlution s on 31st Mrch of the preceding yer vof/k ds nksjku o`f) Addition during the period vof/k ds nksjku dvksrh Deduction during the period vc rd ewy;ºzkl ¼iquewZY;u jkf'k ij ewy;ºzkl lfgr½ Deprecition to dte (Including on revlued mount ) II. vu; vpy vkflr;k ¼QuhZpj vksj fqdlpj lfgr½ Other Fixed Assets (Including Furniture & Fixtures) finys o"kz dh 31 ekpz dh ij At cost s on 31st Mrch of the preceding yer vof/k ds nksjku o`f) Addition during the period vof/k ds nksjku dvksrh Deduction during the period vc rd ewy;ºzkl Deprecition to dte III iêsokyh vkflr;k Lesed Assets finys o"kz dh 31 ekpz dh ij At cost s on 31st Mrch of the preceding yer vof/k ds nksjku o`f) lek;kstu Addition/djustment during the period 0 0 vof/k ds nksjku dvksrh Deduction during the period vc rd iês dk lek;kstu Amortistion / lese djustment to dte I, II, III dk of I, II, III c- vewrz vkflr;k B. INTANGIBLE ASSETS dei;wvj l Vos;j Computer Softwre finys o"kz dh 31 ekpz dh ykxr ij At cost s on 31st Mrch of the preceding yer vof/k ds nksjku o`f) Addition during the period vof/k ds nksjku dvksrh Deduction during the period vc rd ifj'kksf/kr Amortised to dte lexz tksm+ (v+c)/grand TOTAL (A+B)

147 vuqlwph 11 & vu; vkflr;k SCHEDULE 11 - OTHER ASSETS ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. mifpr C;kt Interest ccrued II. III. IV. fn;k x;k vfxze ij dkvk x;k dj Tx pid in dvnce / tx deducted t source ys[ku &lkexzh vksj LVkEi Sttionery nd stmps nkoks ds fuivku es çkir xsj&csfdx vkflr;k Non-bnking ssets cquired in stisfction of clims V. vklfkfxr dj vkflr;k ¼'kq)½ Deferred tx sset (net) VI. vu; Others I, II, III, IV, V, VI dk of I, II, III, IV, V, VI vuqlwph 12 & vkdfled ns;rk, SCHEDULE 12 - CONTINGENT LIABILITIES ¼#i;s 000 dks NksM+ fn;k x;k 000 omitted)½ dks dks As on As on I (i) csdks ds fo#),sls nkos ftugs _.k ds :i es ugh ekuk x;k gs Clims ginst the Bnk not cknowledged s debts (ii) vihyks] lnhkksz vkfn ds v/khu fookfnr vk;&dj o C;kt&dj ek xs Disputed income tx nd interest tx II. III. IV. demnds under ppels, references,etc. vkf'kd :i ls vnk fd;s x;s fuos'kks ds fy, ns;rk, Libility for prtly pid investments cdk;k ok;nk fofue; lfonkvks ds dkj.k ns;rk, Libility on ccount of outstnding forwrd exchnge contrcts xzkgdks dh vksj ls nh x;h xkjfv;k Gurntees given on behlf of constituents: ¼d½ Hkkjr es () In Indi ¼[k½ Hkkjr ls ckgj (b) Outside Indi V. LohÑfr;k] i`"bkdu vksj vu; nkf;ro Acceptnces, endorsements nd other obligtions VI. vu; ens ftuds fy, csd vkdfled #i ls fteesnkj gs Other items for which the Bnk is contingently lible I, II, III, IV, V, VI dk tksm+ Totl of I, II, III, IV, V, VI

148 vuqlwph 13 & vftzr C;kt SCHEDULE 13 - INTEREST EARNED ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. ij Interest/discount on dvnces/bills II. fuos'kks ls vk; Income on Investments III. Hkkjrh; fjtoz csd ds ikl tek 'ks"k vksj vu; vr% csd fuf/k;ks ij C;kt Interest on blnces with Reserve Bnk of Indi nd other Inter-Bnk funds IV. vu; Others I, II, III, IV dk tksm+ Totl of I, II, III, IV vuqlwph 14 & vu; vk; SCHEDULE 14 - OTHER INCOME ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. deh'ku] fofue; vksj nykyh Commission, Exchnge nd Brokerge II. III. IV. fuos'kks dh fcøh ls ykhk Profit on sle of Investments ?kVk, % fuos'kks dh fcøh ls gkfu Less: Loss on sle of Investments E;wpqvy QM ds ;wfuvks ls ykhkk'k vk; Dividend Income from Units of Mutul Fund fuos'kks ds iquewzy;u ls ykhk Profit on revlution of Investments 0 0?kVk, % fuos'kks ds ls gkfu Less: Loss on revlution of Investments/ 0 0 Ammortistion 0 0 V. Hkwfe] Hkou vksj vu; vkflr;ks dh fcøh ls ykhk Profit on sle of lnd, buildings nd other ssets ?kVk, % Hkwfe] Hkou vksj vu; vkflr;ks dh fcøh ls gkfu Less: Loss on sle of lnd, buildings nd other ssets VI. fons'kh eqæk fofue; ysunsu ls ykhk Profit on exchnge trnsctions ?kVk, % fons'kh eqæk fofue; ysunsu ls gkfu Less: Loss on exchnge trnsctions VII. Hkkjr es rfkk fons'k es l;qä m eks ls ykhkk'k ds :i es vftzr vk; Income erned by wy of dividends etc from subsidiries / compnies nd / or joint ventures in Indi & brod. VIII. fofo/k vk; Miscellneous Income I, II, III, IV, V, VI, VII rfkk VIII dk tksm+ Totl of I, II, III, IV, V, VI, VII & VIII

149 vuqlwph 15 & [kpz fd;k x;k C;kt SCHEDULE 15 - INTEREST EXPENDED ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ dks dks As on As on I. tekjkf'k;ks ij C;kt Interest on Deposits II. Hkkjrh; fjtoz csd csd m/kkjks ij C;kt Interest on Reserve Bnk of Indi/inter-bnk borrowings III. vu; Others I, II, III dk tksm+ Totl of I, II, III vuqlwph 16 & ifjpkyu O;; SCHEDULE 16 - OPERATING EXPENSES dks dks As on As on I. dezpkfj;ks dks Hkqxrku vksj muds fy, çko/kku Pyments to nd Provisions for employees II. III. IV. fdjk;k] dj vksj fctyh Rent, Txes nd Lighting eqæ.k,o ys[ku lkexzh Printing nd Sttionery fokkiu vksj çpkj Advertisement nd Publicity V. csd dh lifùk ij Deprecition/Amortistion on Bnk's property ?kVk, % iquewzy;u çkjf{kr fuf/k ls lek;ksftr Less: Adjusted with Revlution Reserve VI. funs'kdks dh Qhl] HkÙks vksj [kpz Directors' fees, llownces nd expenses VII. ys[kk&ijh{kdks dh Qhl vksj [kpz Auditors' fees nd expenses VIII. fof/k çhkkj Lw Chrges IX. Mkd] rkj] VsyhQksu vkfn dk [kpz Postge, Telegrms, Telephones, etc X. ejeer vksj j[k&j[kko lecu/kh [kpz Repirs nd Mintennce XI. ¼` ^000 dks NksM+ fn;k x;k '000 omitted)½ chek Insurnce XII. vu; O;; Other expenditure I ls XII dk tksm+ Totl of I to XII

150 vuqlwph&17 ys[kk fof/k lecu/kh çeq[k uhfr;k 1- ys[ks rs;kj djus dk vk/kkj foùkh; fooj.k i= ijeijkxr ykxr ds vk/kkj ij rs;kj fd;s x;s gs rfkk lelr egroiw.kz n`f"v;ks ls Hkkjr es lkeku;r% Lohd`r ys[kkdu fl)kurks ¼th,,ih½ ds vuq:i gs] ftues ykxw lkfof/kd çko/kku] Hkkjrh; fjtoz csd }kjk fu/kkzfjr fofu;ked ekun.m] Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kkdu ekun.m rfkk Kkiu o Hkkjr es csfdx m ksx es ekstwnk çfkk, Hkh 'kkfey gs A vuqekuks dk ç;ksx foùkh; foojf.k;ks dks rs;kj djus ds fy, çcu/ku dks fjiksfv±x vofèk ds fy, vkflr;ks o ns;rkvks ¼vkdfLed ns;rkvks lfgr½ ml flfkfr dh foùkh; foojf.k;ks es lwfpr jkf'k;ks rfkk lwfpr vk; o O;; dh jkf'k;ks es vuqekuks vksj eku;rkvks ij fopkj djuk visf{kr gsa çcu/ku dk ekuuk gs fd foùkh; foojf.k;ks dks rs;kj djus es ç;qä vuqeku foosdiw.kz vksj vksfpr;iw.kz gs A 2- ys[kkdu i)fr foùkh; fooj.k fujurj dkjksckj ds vk/kkj ij rfkk vu;fkk mfyyf[kr dks NksM+dj ys[kkdu uhfr;ks rfkk fujurj viukbz tk jgh çfkkvks ds vuqlkj rs;kj fd;s x;s gs A 3- vpy vkflr;k 3-1 ftu ifjljks dk iquewzy;u gks pqdk gs mugs NksM+dj vu; vpy vkflr;ks dks mudh ijeijkxr ykxr ij fn[kk;k tkrk gs A iquewzy;u ij gqbz o`f) dks iquewzy;u çkjf{kr fuf/k es tek fd;k tkrk gs vksj ml ij ewy;ºzkl ds fy, fd, x, çko/kku dks mles ls de dj fn;k tkrk gs A 3-2 d- vkflr;ks ¼tgk dher vyx u dh tk ldrh gks ogk Hkwfe lfgr½ ij ewy;ºzkl ds fy;s çko/kku vkflr dh çr;kf'kr vk;q ds vk/kkj ij lh/kh js[kk i)fr ds vuqlkj fd;k tkrk gsa [k-,slh vkflr;ks ij ewy;ºzkl vxys i`"b ij nh xbz njks ij çnku fd;k x;k gs % x- cs d ds vius LokfeRo ds ifjljks ls brj vkflr;ks es gq, u, ifjo/kzuks ds ekeys es ewy;ºzkl dk çko/kku muds ç;ksx es vkus ds ekl ls vksj o"kz ds nksjku xbz vkflr;ks ds ekeys es çko/kku ml ekg ls iwoz ekl rd fd;k tkrk gs ftl ekl es vkflr xbz gsa o"kz ds vr es ekstwn cs d ds vius LokfeRo ds ifjljks ij ewy;âkl iwjs o"kz ds fy;s çhkkfjr fd;k x;k gsa fuekz.k ykxr dks rhkh ewy;wâkl fd;k tkrk gs tc Hkou lhkh çdkj ls iwjk gks tkrk gsa SCHEDULE - 17 SIGNIFICANT ACCOUNTING POLICIES 1. BASIS OF PREPARATION The finncil sttements hve been prepred on the historicl cost bsis nd conform, in ll mteril spects, to Generlly Accepted Accounting Principles (GAAP) in Indi which encompsses pplicble sttutory provisions, regultory norms prescribed by Reserve Bnk of Indi (RBI), Accounting Stndrds (AS) nd pronouncements issued by The Institute of Chrtered Accountnts of Indi (ICAI) nd previling prctices in Bnking industry in Indi. Use of Estimtes The preprtion of finncil sttements requires the mngement to mke estimtes nd ssumptions considered in the reported mounts of ssets nd libilities (including contingent libilities) s of dte of the finncil sttements nd the reported income nd expenses for the reporting period. Mngement believes tht the estimtes used in the preprtion of the finncil sttements re prudent nd resonble. 2. METHOD OF ACCOUNTING The Finncil Sttements hve been prepred on the going concern bsis with ccrul concept nd in ccordnce with the ccounting policies nd prctices consistently followed unless otherwise stted. 3. FIXED ASSETS 3.1 Fixed ssets re stted t historicl cost except those premises, which hve been revlued. The pprecition on revlution is credited to revlution reserve nd incrementl deprecition ttributble to the revlued mount is deducted there from Deprecition on ssets (including lnd where vlue is not seprble) re provided on stright-line method bsed on estimted life of the sset. b. Deprecition on ssets hs been provided t the rtes furnished on next pge:- c. Deprecition on fresh dditions to ssets other thn bnk's own premises is provided from the month in which the ssets re put to use nd in the cse of ssets sold/disposed off during the yer, up to the month preceding the month in which it is sold/ disposed off. The deprecition on bnk's own premises existing t the close of the yer is chrged for full yer. The construction cost is deprecited only when the building is complete in ll respects. 148

151 fooj.k csfe;knh iês ij yh xbz Hkwfe tgk iês dh vof/k dk myys[k ugh gs iês ij yh xbz Hkwfe tgk iês dh vof/k dk myys[k gs Hkou & Ýh gksym vksj iês okyh Hkwfe ij fufezr] tgk iês dh vof/k 40 o"kz ls vf/kd gs & iês okyh Hkwfe ij fufezr tgk iês dh vof/k 40 o"kz ls de gs iwozorhz U;w csd vkq bfm;k rfkk usnqxmh csd fy- ls vftzr fufezr vkflr; QuhZpj vksj fqdlplz & LVhy olrq, QuhZpj vksj fqdlplz & ydm+h dh olrq, xís eksckby Qksu midj.k e'khujh] fctyh dh vksj fofo/k olrq, eksvj&dkjs,o lkbzdys di;wvj],vh,e vksj lcf/kr olrq, dei;wvj vuqç;ksx l Vos;j & vewrz vkflr;k & #i;s rd & vu; ewy;ºzkl dh nj 'kwu; iês dh vof/k ij 2-5% iês dh vof/k ij 4% 5% 10% 20% 33-33% 15% 15% 33-33% jktlo es çhkkfjr 20-00% 4- vfxze 4-1 vfxzeks dk oxhzdj.k vtzd vksj vutzd vkflr;ks ds :i es fd;k tkrk gs vksj muds fy, Hkkjrh; fjtoz csd }kjk fu/ kkzfjr foosdiw.kz ekunmks ds vuqlkj çko/kku fd;k tkrk gs A 4-2 vutzd vkflr;ks ds lecu/k es çko/kku ds i'pkr~ vfxzeks dks n'kkz;k tkrk gs A 4-3 Hkkjr ls ckgj csfdx bdkb;k % d vfxzeks dk oxhzdj.k mlh çdkj fd;k x;k gs tslk Hkkjrh; dk;kzy;ks ds fy, fd;k tkrk gs A [k vfxzeks ds lc/k es çko/kku LFkkuh; dkuwuh vis{kkvks ds vuqlkj vfkok Hkkjrh; fjtoz csd ds ekunmks ds vuqlkj] tks Hkh vf/kd gs] fd;k x;k gsa 4-4 csph xbz foùkh; vkflr;ks ds fueufyf[kr :i es ekuk x;k gs % d½ ;fn 'kq) cgh ewy; ¼,uchoh½ ls de ewy; ij fcøh gksrh gs] rks ml vurj dks ykhk o gkfu [kkrs ls?kvk;k tkrk gsa [k½ ;fn fcøh 'kq) cgh ewy; ls vf/kd ewy; ij gksrh gs rks vu; vutzd vkflr;ks dh fcøh ls gqbz dks iwjk djus ds fy, vf/kd çko/kku j[kk tkrk gs A 4-5 vfxzeks dk Lo:i cnys fdlrks dh l[;k es ifjorzu fd, tkus dh flfkfr es Hkkjrh; fjtoz csd ds ekxzfunsz'kks ds vuqlkj çko/kku fd;k tkrk gs A 5 fuos'k 5-1 fuos'kks dks cs fdx fofu;eu vf/kfu;e] 1949 dh rhljh vuqlwph ds QkeZ, es ;FkkfufnZ"V Ng Jsf.k;ks es oxhzñr fd;k x;k gsa Prticulrs Lnd cquired on perpetul lese where no lese period is mentioned Lnd cquired on lese where lese period is mentioned Building - Constructed on free hold lnd nd on lesed lnd, where lese period is bove 40 yers - Constructed on lesed lnd where lese period is below 40 yers Built- up Assets tken over from erstwhile New Bnk of Indi & Nedungdi Bnk Ltd Furniture nd fixtures- Steel rticles Furniture nd fixtures-wooden rticles Mttresses Mobile Phone Instruments Mchinery, electricl nd miscellneous rticles Motor crs nd cycles Computers, ATMs nd relted items Computer Appliction Softwre - Intngible Assets - Up to Rs. 5,000 - Others Rte of Deprecition 4. ADVANCES 4.1 Advnces re clssified s performing nd nonperforming ssets; provisions re mde in ccordnce with prudentil norms prescribed by RBI. 4.2 Advnces re stted net of provisions in respect of non-performing ssets. 4.3 Offices outside Indi / Offshore Bnking Units: Advnces re clssified under ctegories in line with those of Indin Offices. b Provisions in respect of dvnces re mde s per the locl lw requirements or s per the norms of RBI, whichever is higher Finncil Assets sold re recognized s under:. In cse the sle is t price lower thn the Net Book Vlue (NBV) the shortfll is chrged to the Profit nd Loss Account. b. In cse the sle is t price higher thn the NBV, the surplus provision is retined to meet shortfll/ loss on ccount of sle of other non-performing finncil ssets. 4.5 For restructured/rescheduled dvnces, provisions re mde in ccordnce with guidelines issued by RBI. 5. INVESTMENTS 5.1 Investments re clssified into six ctegories s stipulted in form A of the third schedule to the Bnking Regultion Act, Nil Over lese period 2.50% Over lese period 4.00% 5.00% 10.00% 20.00% 33.33% 15.00% 15.00% 33.33% Chrged to Revenue 20.00% 149

152 5-2 Hkkjrh; fjtoz csd ds ekxzfunsz'kks ds vuq:i fuos'kks dks ßifjiDork rd j[ks x,ß] ßfcØh gsrq miyc/kß rfkk ßO;kikj gsrq j[ks x,ß Jsf.k;ks es oxhd`r fd;k tkrk gs A csd }kjk ifjidork rd j[ks tkus dh e'kk ls vftzr çfrhkwfr;ks dks ^ifjidork rd j[kh xbz^ Js.kh es j[kk x;k gs A 5-3 csd }kjk vyikof/k ds nj ço`fùk;ks dk ykhk mbkrs gq, O;kikj gsrq j[ks tkus dh e'kk ls vftzr çfrhkwfr;ks dks ßO;kikj gsrq j[ks x,ß fuos'kks es oxhzd`r fd;k x;k gs A 5-4 tks çfrhkwfr;k mi;qzä nksuks Jsf.k;ks es ugh vkrh mugs ßfcØh gsrq miyc/kß Js.kh ds v/khu oxhd`r fd;k x;k gs A 5-5,d Js.kh ls nwljh Js.kh es çfrhkwfr;ks ds vrj.k] vrj.k dh frffk dks vf/kxzg.k ewy;] tks Hkh de gks] ij fd;k x;k gs A ;fn,sls vrj.k ij dksbz ewy;ºzkl gks rks mlds fy, iwjk çko/kku fd;k x;k gs A 5-6 fdlh fuos'k dh vf/kxzg.k ykxr fu/kkzfjr djus es % d½ lclføi'ku ij çkir çfrhkwfr;ks dh ykxr ls dkvh x;h gs A [k½ çfrhkwfr;ks ds vf/kxzg.k ds lecu/k es lnùk nykyh] deh'ku jktlo O;;ks ds :i es ekuh x;h gs A x½ çfrhkwfr;ks ds vf/kxzg.k dh frffk rd mifpr C;kt vfkkzr~ [kfmr vof/k C;kt dks vf/kxzg.k ykxr ls?kvk fn;k tkrk gs vksj mls mifpr ijurq u ns; C;kt [kkrs es j[kk tkrk gs A 5-7 Hkkjrh; fjtoz ds fn'kkfunsz'kkuqlkj] fuos'k dk ewy;u fueufyf[kr vk/kkj ij fd;k tkrk gs % ifjidork rd j[ks x, % i) ßifjiDork rd j[ks x;sß Js.kh ds v/khu fuos'kks dks vtzu ykxr ij fy;k tkrk gs A tgk dgh vfdr ewy; ls cgh ewy; vf/kd gks rks çhfe;e dks ifjidork dh 'ks"k vof/k ds fy, ifj'kksf/kr fd;k tkrk gsa ii) m es vlfkk;h fuos'k ls fhkuu çñfr ds fd;s x;s fuos'k dk ewy;u j[kj[kko es ls ºzkl gvkdj vtzu ykxr ij fd;k tkrk gs A iii) çk;ksftr {ks=h; xzkeh.k csdks es fuos'kks dk ewy;kdu j[kko ykxr ij fd;k tkrk gs A iv) m e iw th es fuos'kks dk ewy;kdu j[kko ykxr ij fd;k tkrk gsa 5.2 Investments hve been ctegorized into "Held to Mturity", "Avilble for Sle" nd "Held for Trding" in terms of RBI guidelines. Securities cquired by the Bnk with n intention to hold till mturity is clssified under "Held to Mturity". 5.3 The securities cquired by the Bnk with n intention to trde by tking dvntge of short-term price/ interest rte movements re clssified under "Held for Trding". 5.4 The securities, which do not fll within the bove two ctegories, re clssified under "Avilble for Sle". 5.5 Trnsfer of securities from one ctegory to nother is crried out t the lower of cquisition cost/ book vlue/ mrket vlue on the dte of trnsfer. The deprecition, if ny, on such trnsfer is fully provided for. 5.6 In determining cquisition cost of n investment. Brokerge / commission received on subscription is deducted from the cost of securities. b. Brokerge, commission etc. pid in connection with cquisition of securities re treted s revenue expenses. c. Interest ccrued up to the dte of cquisition of securities i.e. broken - period interest is excluded from the cquisition cost nd the sme is ccounted in interest ccrued but not due ccount. 5.7 Investments re vlued s per RBI/ FIMMDA guidelines, on the following bsis: Held to Mturity i) Investments under " Held to Mturity " ctegory re crried t cquisition cost. Wherever the book vlue is higher thn the fce vlue/redemption vlue, the premium is mortized over the remining period to mturity. ii) Investments in subsidiries/joint ventures/ ssocites re vlued t crrying cost less diminution, other thn temporry, in nture. iii) Investments in sponsored regionl rurl bnks re vlued t crrying cost. iv) Investment in venture cpitl is vlued t crrying cost. 150

153 fcøh gsrq miyc/k vksj ßO;kikj gsrq j[ks x;sß % Avilble for Sle nd Held for Trding d ljdkjh çfrhkwfr;k I. dsuæh; ljdkj dh çfrhkwfr;k II. jkt; ljdkjks dh çfrhkwfr;k [k ds ljdkjks }kjk xkjvh'kqnk çfrhkwfr;k] lkoztfud {ks= ds miøeks ds ck.m ¼vfxzeks dh çd`fr ds ugh½ x Ä Vªstjh fcy bfdovh 'ks;j M- vf/keku 'ks;j p- c/ki= vksj fmcspj ¼vfxzeks dh çñfr ds ugh½ N- E;wpqvy Q.Mks ds ;wfuv t- okf.kft;d isij > tek çek.ki=,vkjlhvkbz,y dh çfrhkwfr jlhns V B m e iw th fuf/k;k vu; fuos'k fqdlm bde euh ekfdzv,.m MsfjosfVOl,lksfl,'ku v Q bfm;k ¼,QvkbZ,e,eMh,½ }kjk ;Fkk çdkf'kr cktkj fjtoz csd ds ekxz funsz'kks ds vuqlkj mi;qä ifjidork çkfir vk/kkj fjtoz csd ekxz funsz'kks ds vuqlkj mi;qä ifjidork çkfir vk/kkj ij j[kko ykxr ij ;fn dksv fd;k x;k gks rks cktkj ewy; ij vu;fkk uohure rqyu&i= ¼tks,d o"kz ls iqjkuk u gks½ ds vuqlkj 'ks;jks ds czsd&vi ewy; ij] vu;fkk çfr diuh ;fn dksv fd;k x;k gks rks cktkj ewy; ij vu;fkk Hkkjrh; fjtoz ekxzfunsz'kks ds vuqlkj mi;qä ifjidork ij fdrq çfrnku ewy; ls vf/kd ugh ;fn dksv fd;k x;k gks rks cktkj ewy; ij vu;fkk Hkkjrh; fjtoz ekxzfunsz'kks ds vuqlkj] mi;qä ifjidork çfrqy ij ;fn dksv fd;k x;k gks rks LV d,dlpst ds Hkko ds vuqlkj vksj ;fn dksv u fd;k x;k gks rks iqu[kzjhn ij j[kko ykxr ij j[kko ykxr ij,vkjlhvkbz,y }kjk dh xbz?kks"k.kk ds vuqlkj vkflr ds 'kq) vkflr ewy; ij m e iw th fuf/k;ks }kjk dh xbz?kks"k.kk ds vuqlkj vkflr ds 'kq) vkflr ewy; ij j[kko ykxr es ls ºzkl?kVkdj ) Govt. Securities I. Centrl Govt. Securities II. Stte Govt. Securities b) Securities gurnteed by Centrl / Stte Government, PSU Bonds (not in the nture of dvnces) c) Tresury Bills d) Equity shres e) Preference shres f) Bonds nd debentures (not in the nture of dvnces) g) Units of mutul funds h) Commercil pper i) Certificte of Deposits j) Security receipts of ARCIL k) Venture Cpitl Funds l) Other Investments At mrket prices/ytm s published by Fixed Income Money Mrket And Derivtives Assocition of Indi (FIMMDA) On pproprite yield to mturity bsis s per FIMMDA/RBI guidelines. On pproprite yield to mturity bsis s per FIMMDA/RBI guidelines At crrying cost At mrket price, if quoted, otherwise t brek up vlue of the Shres s per ltest Blnce Sheet (not more thn one yer old), otherwise t Re.1 per compny At mrket price, if quoted or on pproprite yield to mturity bsis not exceeding redemption vlue s per RBI/FIMMDA guidelines. At mrket price, if quoted, or on pproprite yield to mturity bsis s per RBI/FIMMDA guidelines. As per stock exchnge quottion, if quoted; t repurchse price/nav, if unquoted At crrying cost At crrying cost. At net sset vlue of the sset s declred by ARCIL At net sset vlue (NAV) declred by the VCF At crrying cost less diminution in vlue fcøh gsrq miyc/k rfkk O;kikj gsrq j[ks x, oxz es mi;qzä ewy;kdu çr;sd fløi ds fy, vyx vyx fd;k tkrk gs rfkk çr;sd oxhzdj.k ds fy, tksm+h tkrh gs A ;fn 'kq) ewy;ºzkl gs rks çr;sd oxhzdj.k ds fy, çko/kku fd;k tkrk gs tcfd 'kq) o`f) ugh n'kkz;h tkrha 5-8 Hkkjrh; fjtoz cs d ds,uihvkbz oxhzdj.k ds foosdh ekunmks ds vuq:i fuos'kks ij mi;qä çko/kkuhdj.k rfkk vk; veku;hdj.k ykxw fd;s tkrs gs A vfxzeks ds :i es vutzd çfrhkwfr;ks ds lc/k es vu; vtzd çfrhkwfr;ks ds lc/k es o`f) ds le{k letu ¼lSV v Q½ ugh fd;k x;k gsa 5-9 fdlh Hkh Js.kh ds fuos'kks dh fcøh ls gq, dks ykhk o gkfu [kkrs es ys tk;k tkrk gs fdrq ßifjiDork gsrq j[ks x;sß Js.kh ds fuos'kks dh fcøh ls gq, ykhk ds ekeys es mlds cjkcj dh jkf'k ßiw th çkjf{kr fuf/kß [kkrs es fofu;ksftr dh tkrh gsa The bove vlution in ctegory of Avilble for Sle nd Held for Trding re done scrip wise nd deprecition / pprecition is ggregted for ech clssifiction. Net deprecition for ech clssifiction if ny is provided for while net pprecition is ignored. 5.8 Investments re subject to pproprite provisioning/ de-recognition of income, in line with the prudentil norms of Reserve Bnk of Indi for NPI clssifiction. The deprecition/provision in respect of nonperforming securities is not set off ginst the pprecition in respect of the other performing securities. 5.9 Profit or loss on sle of investments in ny ctegory is tken to Profit nd Loss ccount but, in cse of profit on sle of investments in "Held to Mturity" ctegory, n equivlent mount is pproprited to "Cpitl Reserve Account". 151

154 5-10 okil [kjhn O;oLFkk ds vurxzr csph x;h çfrhkwfr;ks dks mudh ewy ykxr ij fglkc es fy;k tkrk gsa 5-11 O;kikj vfkok çfrj{kk ds ç;kstu ls O;qRiUu ¼MsfjosfVOl½ ysu&nsu fd;s x;s gs A O;kikfjd ysu&nsu cktkj ewy; ij gsa Hkkjrh; fjtoz csd ds funsz'kkuqlkj vnykcnyh dh fofhkuu Jsf.k;ks dk fueuor~ ewy;u fd;k x;k gs % çfrj{kk vnyk cnyh C;kt nj vnyk&cnyh tks C;kt okgd vkflr vfkok ns;rk dh çfrj{kk djrh gs] dks mip; vk/kkj ij ys[kkfdr fd;k tkrk gs] ¼fdlh vkflr vfkok ns;rk ds lkfk vfhkfgr vnykcnyh dks NksM+dj½ tks foùkh; fooj.kh es cktkj ewy; vfkok de dher ij fy;k tkrk gsa vnyk cnyh dh lekfir ij ykhk o gkfu;ks dh vnykcnyh ds U;wurj cdk;k lfonkxr thou vfkok dh 'ks"k vof/k ij ¼tks Hkh de gks½ ekuk tkrk gsa O;kikfjd vnyk cnyh O;kikfjd vnykcnyh dk ysu nsu foùkh; foojf.k;ks es fjdkmz fd, x, ifjorzuks lfgr cktkj ewy; dh rqyuk es fpfàr fd;k tkrk gsa 5-12 fons'kh eqæk fodyi vu; csd ds lkfk csd Vw csd dkuvªsdv ds :i es csd }kjk fd;k x;k fons'kh eqæk fodyi cktkj ewy; ij ugh gs] D;ks fd bles cktkj tksf[ke ugh gs A çkir çhfe;e dks ns;rk ds :i es j[kk x;k gs vksj ij ykhk o gkfu [kkrs es vurfjr fd;k x;k gs A 6 fons'kh eqæk ls lcf/kr ysunsu vksj 'ks"kks dk ifjorzu ¼d½ iwozorhz ynu 'kk[kkvks ds vfxzeks dks NksM+dj] ftudk Hkkjr es vrj.k dh frffk dks ykxw fofue; njks ds vk/kkj ij ifjorzu fd;k tkrk gs] Hkkjrh; fons'kh eqæk O;kikjh l?k ¼QsMkbZ½ ds ekxzfunsz'ku ds vuqlkj o"kz dh lekfir ij fofue; njks ds vk/kkj ij eksfæd vkflr;ks rfkk ns;rkvks] xkjfv;ks] LohÑfr;ks ] i`"bkduks o vu; nkf;roks dks lerqy; Hkkjrh; #i;s es ifjofrzr fd;k tkrk gs A ¼[k½ vpy vkflr;ks ls brj xsj eksfæd enks dk ifjorzu ysu&nsu dh frffk dks çhkkoh fofue; njks ij fd;k tkrk gs A ¼x½ ¼?k½ ok;nk fofue; lfonkvks dks Hkkjrh; fons'kh eqæk O;kikjh l?k }kjk o"kz ds vur es vf/klwfpr fofue; njks ij ifjofrzr fd;k tkrk gs vksj QyLo:i ewy;kdu ij gq, dks ykhk o gkfu [kkrs es fn[kk;k tkrk gs A vk; rfkk O;; dh ens ysu&nsu dh rkjh[k dks çpfyr fons'kh fofue; nj ij ifjofrzr dh tkrh gs A 5.10 Securities repurchsed/resold under buy bck rrngement re ccounted for t originl cost The derivtives trnsctions re undertken for trding or hedging purposes. Trding trnsctions re mrked to mrket. As per RBI guidelines, different ctegory of swps re vlued s under: - Hedge Swps Interest rte swps which hedges interest bering sset or libility is ccounted for on ccrul bsis except the swp designted with n sset or libility tht is crried t mrket vlue or lower of cost in the finncil sttement. Gin or losses on the termintion of swps re recognized over the shorter of the remining contrctul life of the swp or the remining life of the sset/ libilities. Trding Swps Trding swp trnsctions re mrked to mrket with chnges recorded in the finncil sttements Foreign currency options Foreign currency options written by the bnk with bckto-bck contrct with nother bnk is not mrked to mrket since there is no mrket risk. Premium received is held s libility nd trnsferred to the Profit nd Loss Account on mturity/cncelltion. 6. TRANSLATION OF FOREIGN CURRENCY TRANSACTIONS & BALANCES: ) Except dvnces of erstwhile London brnches which re ccounted for t the exchnge rte previling on the dte of prking in Indi, ll other monetry ssets nd libilities, gurntees, cceptnces, endorsements nd other obligtions re trnslted in Indin Rupee equivlent t the exchnge rtes previling t the end of the yer s per Foreign Exchnge Delers' Assocition of Indi (FEDAI) guidelines. b) Non-monetry items other thn fixed ssets re trnslted t exchnge rte previling on the dte of trnsction. c) Forwrd exchnge contrcts re trnslted t the yer end rtes notified by FEDAI nd the resultnt Gin/ loss on evlution is tken to profit & Loss Account. d) Income nd expenditure items re ccounted for t the exchnge rte previling on the dte of trnsction. 152

155 ¼³½ fons'k flfkr csfdx bdkb;k % (i) fons'k flfkr 'kk[kkvks vksj virvh; csfdx ;wfuvks ds ifjpkyuks dks ßxSj lekdfyr fons'kh ifjpkyuß es oxhd`r fd;k x;k gs vksj fons'k es çfrfuf/k dk;kzy;ks ds ifjpkyuks dks ßlekdfyr fons'kh ifjpkyuks ß ds :i es oxhd`r fd;k x;k gs A (ii) lekdfyr fons'k ifjpkyuks ds fons'kh eqæk ysunsuks dks vksj xsj lekdfyr fons'kh ifjpkyuks dks ys[kkdu ekud & 11 es fn, x, fu/kkzj.k ds vuqlkj fglkc es fy;k tkrk gs A (iii) xsj lekdfyr ifjpkyuks ij fofue;?kv&c<+ ds gkfu dks fofue;?kv&c<+ çkjf{kr fuf/k es fd;k tkrk gsa 7- vk; ij dj o"kz ds fy, dj ;ksx; vk; ds lc/k es lns; dj dh jkf'k ij pkyw dj dk fu/kkzj.k gksrk gs rfkk rnuqlkj dj ds fy, çko/kku fd;k tkrk gs A vklfkfxr dj çhkkj vfkok ØsfMV dh igpku mu dj njks dk blrseky djrs gq, dh tkrh gs tks rqyui= frffk }kjk vf/kfu;fer fd, x, vfkok olrqr% vf/kfu;fer fd, x, A vkbzlh,vkbz }kjk tkjh ys[kkdu ekud&22 dh 'krkz/khu vklfkfxr dj ns;rk ds fy, çko/kku çr;sd rqyui= frffk ij leh{kk ds vk/kkj ij fd;k tkrk gs vksj vklfkfxr dj vkflr;k dsoy rhkh eku; gksrh gs tc vkflr;ks dh Hkfo"; es olwyh gksuk oklro es lqfuf'pr gksrk gs A vklfkfxr dj dh iqujhz{kk o"kz ds nksjku gqbz çxfr ds vk/kkj ij çr;sd rqyui= frffk dks dh tkrh gs A 8- dezpkjh Qk;ns Hkfo"; fuf/k Hkfo"; fuf/k,d lqifjhkkf"kr v'knku ;kstuk gs D;ks fd csd iwoz fuèkkzfjr njks ij fuf'pr v'knku dk Hkqxrku djrk gs A csd dk nkf;ro,sls fuf'pr v'knku rd lhfer gs A ;s v'knku ykhk o gkfu [kkrs es pktz fd, tkrs gs A minku minku ns;rk,d lqifjhkkf"kr ykhk nkf;ro gs vksj foùkh; o"kz ds vr es fd, x, chekfdd ewy;kdu ds vk/kkj ij fn;k tkrk gs A ;g ;kstuk csd }kjk foùk iksf"kr gs vksj,d vyx VªLV }kjk pykbz tkrh gs A is'ku is 'ku ns;rk,d lqifjhkkf"kr ykhk nkf;ro gs vksj foùkh; o"kz ds vr es fd, x, chekfdd ewy;kdu ds vk/kkj ij nh tkrh gs A ;g ;kstuk csd }kjk foùk iksf"kr gs vksj,d vyx VªLV }kjk pykbz tkrh gs A e) Offices outside Indi / Offshore Bnking Units: (i) Opertions of foreign brnches nd off shore bnking unit re clssified s "Non-integrl foreign opertions" nd opertions of representtive offices brod re clssified s "integrl foreign opertions". (ii) Foreign currency trnsctions of integrl foreign opertions nd non-integrl foreign opertions re ccounted for s prescribed by AS-11. (iii) Exchnge Fluctution on Profit / loss of nonintegrl opertions re credited /debited to exchnge fluctution reserve. 7. TAXES ON INCOME Current tx is determined on the mount of tx pyble in respect of txble income for the yer nd ccordingly provision for tx is mde. The deferred tx chrge or credit is recognized using the tx rtes tht hve been encted or substntilly encted by the Blnce Sheet dte. In terms of Accounting Stndrd 22 issued by ICAI, provision for deferred tx libility is mde on the bsis of review t ech Blnce Sheet dte nd deferred tx ssets re recognized only if there is virtul certinty of reliztion of such ssets in future. Deferred tx ssets/ libilities re reviewed t ech Blnce Sheet dte bsed on developments during the yer. 8. EMPLOYMENT BENEFITS PROVIDENT FUND: Provident fund is defined contribution scheme s the Bnk pys fixed contribution t pre-determined rtes. The obligtion of the Bnk is limited to such fixed contribution. The contributions re chrged to Profit & Loss A/c. GRATUITY: Grtuity libility is defined benefit obligtion nd is provided for on the bsis of n cturil vlution mde t the end of the finncil yer. The scheme is funded by the bnk nd is mnged by seprte trust. PENSION: Pension libility is defined benefit obligtion nd is provided for on the bsis of n cturil vlution mde t the end of the finncil yer. The scheme is funded by the bnk nd is mnged by seprte trust. 153

156 {kfriwfrz vuqiflfkfr;k mifpr {kfriwfrz vuqiflfkfr;k tsls vftzr Nqfê;k vksj chekjh dh Nqfê;k ¼vç;qä vkdfled Nqfê;ks lfgr½ chekfdd ewy;kdu vk/kkj ij nh tkrh gs A vu; dezpkjh ykhk vu; dezpkjh ykhk tsls Nqêh fdjk;k fj;k;r] flyoj tqcyh vokmz] esfmdy Qk;ns br;kfn chekfdd ewy;kdu ds vk/kkj ij fn, tkrs gs A tgk rd fons'k flfkr 'kk[kkvks vksj dk;kzy;ks dk lc/k gs çfrfu;qfä ij x, dezpkfj;ks dks fn, x, ykhkks ds vykok vu; lhkh ykhk mu ns'kks es ykxw dkuwuks ds vuqlkj gs A 9- vkflr;ks dh vlkeku;rk ;fn dksbz vlkeku; gkfu;k gs rks mudh igpku vkbzlh,vkbz }kjk bl lecu/k es tkjh ys[kkdu ekud ds vuqlkj dh tkrh gs vksj fdugh iquewzy;kfdr vkflr;ks ij vlkeku; gkfu;k gqbz gks rks mugs iquewzy;kdu fxjkov ds :i es ekuk tkrk gs A 10- jktlo eku;rk 10-1 ¼iSjk 10-4 es lnfhkzr enks ls fhkuu½ dks lkeku;r% mip; vk/kkj ij ys[kkfdr fd;k tkrk gs A 10-2 Hkkjrh; fjtoz cs d ds ekxzfuns Z'kks ds vuqlkj vutzd vkflr;ks ls lecfu/kr vk; dks mudh olwyh gksus ij eku;rk nh tkrh gsa 10-3 vutzd vfxze [kkrks dh olwfy; ¼olwyh dkjzokbz ds dh ijokg fd;s cxsj½ fueufyf[kr çkfkfedrk Øe es fofu;ksftr dh tkrh gs % d½ olwyh gsrq mifpr [kpz¼igys mprh ns;ks es fjdkmz fd;s x;s½ [k½ çeq[k vfu;ferrk;s vfkkzr~ [kkrs es cdk;k x½ C;kt C;kt ds çfr 10-4 deh'ku] ¼ljdkjh dkjksckj ij deh'ku dks vfrns; fcyks ij C;kt] fofue;] y dj fdjk,] eps ZV csfdx ysunsuks ls çkir vk; ykhkk'k vk; olwyh ij vksj chek nkoks dks fuivku ij ys[kkfdr fd;k tkrk gs A 10-5 vk;dj ds fjqmks ij C;kkt ds :i es çkir vk; dks lcfèkr çkf/kdkfj;ks }kjk ikfjr vkns'k ds o"kz es js[kkfdr fd;k tkrk gsa 11 vu; 11-1 ifjido gks pqdh fe;knh tek jkf'k;ks dk Hkqxrku u gqvk gks rfkk mudk nkok u fd;k x;k gks rks mu ij cpr [kkrs dh nj ls C;kt yxk;k tkrk gs A COMPENSATED ABSENCES: Accumulting compensted bsences such s Privilege Leve (PL) nd Sick Leve (including unviled csul leve) is provided for bsed on cturil vlution. OTHER EMPLOYEE BENEFITS: Other Employee benefits such s Leve Fre Concession (LFC), Silver jubilee wrd, Medicl Benefits etc. re provided for bsed on cturil vlution. In respect of overses brnches nd offices, the benefits in respect of employees other thn those on deputtion re ccounted for s per lws previling in the respective countries. 9. IMPAIRMENT OF ASSETS Impirment loss, if ny, is recognised in ccordnce with the ccounting stndrd issued in this regrd by ICAI nd impirment loss on ny revlued sset is treted s revlution decrese. 10. REVENUE RECOGNITION 10.1 Income / expenditure (other thn items referred to in prgrph 10.4) is generlly ccounted for on ccrul bsis Income on non-performing ssets is recognized on relistion s per RBI guidelines Recoveries in NPA ccounts (irrespective of the mode / sttus / stge of recovery ctions) re pproprited in the following order of priority :- ) Expenditure/out of pocket Expenses incurred for recovery (erlier recorded in memorndum dues); b) Principl irregulrities i.e. NPA outstnding in the ccount. c) Towrds the interest irregulrities/ccrued interest Commission (excluding on Government Business), interest on overdue bills, exchnge, locker rent, income from merchnt bnking trnsctions nd dividend income re ccounted for on reliztion nd insurnce clims re ccounted for on settlement Income from interest on refund of income tx is ccounted for in the yer the order is pssed by the concerned uthority. 11. OTHERS 11.1 Interest on unpid nd unclimed mtured term deposits re ccounted for t svings bnk rte. 154

157 vuqlwph&18 [kkrks ls lcfèkr fviif.k;k 1- iwth ¼` djksm+ es½ en i) lhvkj,vkj ¼%½ ¼csly&I½ ii) lhvkj,vkj&vh;j&i iw th (%) ¼csly&I½ iii) lhvkj,vkj&vh;j&ii iw th (%) ¼csly&I½ iv) lhvkj,vkj (%) ¼csly&II½ v) lhvkj,vkj&vh;j&i iw th (%) ¼csly&II½ vi) lhvkj,vkj&vh;j&ii iw th (%) ¼csly&II½ vii) csd es Hkkjr ljdkj 57-87% 56-10% dh 'ks;j èkkfjrk dk % viii) yksvj Vh;j&II 'kwu; 'kwu; iw th ds :i es tqvk, x, xks.k _.k dh jkf'k ix) vij Vh;j&II iw th ds :i es 'kwu; 'kwu; tqvk, x, xks.k _.k dh jkf'k x) Vh;j&I i wth ds :i es tqvk, 'kwu; 'kwu; x, csfe;knh ckw.mks dh jkf'k 2- fuos'k ¼` djksm+ es½ en (1) fuos'kks dk ewy; (i) fuos'kks dk ldy ewy; d Hkkjr ess [k Hkkjr ls ckgj (ii) ewy;gzkl ds fy, izkoèkku d Hkkjr es [k Hkkjr ls ckgj 'kwu; 'kwu; (iii) fuos'kks dk fuoy ewy; d Hkkjr es [k Hkkjr ls ckgj ¼2½ fuos'kks ij ewy;gzkl ds fy, èkkfjr izkoèkkuks es?kv&c<+ (i) ds vo'ks"k (ii) tksm+s % o"kz ds nksjku fd, x, izkoèkku (iii)?kvk, % o"kz ds nksjku fd, x, vfèkd izkoèkku ds fy, cv~vs [kkrs Mkyh jkf'k (iv) dks bfr 'ks"k SCHEDULE 18 NOTES ON ACCOUNTS 1. Cpitl (` in crores) Items i. CRAR (%) (Bsel I) ii CRAR - Tier I cpitl (%)(Bsel I) iii CRAR- Tier II cpitl (%)(Bsel I) iv. CRAR (%) (Bsel II) v. CRAR - Tier I cpitl (%)(Bsel II) vi. CRAR- Tier II cpitl (%)(Bsel II) vii. Percentge of the shreholding 57.87% 56.10% of the Government of Indi in the bnk viii Amount of subordinted debt NIL NIL rised s Lower Tier-II Cpitl during the yer ix. Amount of subordinted debt NIL NIL rised s Upper Tier-II Cpitl during the yer x. Amount of perpetul bonds NIL NIL rised s Tier-I Cpitl during the yer 2. Investments (` in crores) Items (1) Vlue of Investments (i) Gross vlue of Investments In Indi b Outside Indi (ii) Provisions for Deprecition In Indi b Outside Indi NIL NIL (iii) Net vlue of Investments In Indi b Outside Indi (2) Movement of provisions held towrds deprecition on investments. (i) Opening blnce s on / (ii) Add: Provisions mde during the yer (iii) Less: Write-off/ write-bck of excess provisions during the yer. (iv) Closing blnce s on /

158 3- jsiks ysunsu ¼` djksm+ ess½ dks dks dks vfdr ewy; lekir vofèk lekir vofèk lekir vofèk dh flfkfr ds nksjku ds nksjku ds nksjku ds vuqlkj U;wure vfèkdre nsfud vkslr cdk;k cdk;k cdk;k jsiks ds vurxzr csph xbz izfrhkwfr;k (i) ljdkjh izfrhkwfr;k (ii) fuxfer 'kwu; izfrhkwfr;k fjolz jsiks ds vurxzr [kjhnh xbz izfrhkwfr;k (i) ljdkjhè izfrhkwfr;k (ii) fuxfer _.k Íãî ¾ã izfrhkwfr;k 3. Repo Trnsctions (` in crores) Minimum Mximum Dily Averge Outstnding Fce vlue outstnding outstnding outstnding s on during the during the during the yer ended yer ended period ended Securities sold under repos (i) Government Securities (ii) Corporte Debt NIL Securities Securities purchsed under reverse repos (i) Government Securities (ii) Corporte Debt NIL Securities 4-,l,y vkj ls brj fuos'k lfohkkx 4-d,l,y vkj ls brj fuos'kks ds fuxzedrkz ¼` djksm+ es½ l[;k fuxzedrkz jkf'k futh ^^fuos'k Js.kh ^^fcuk jsfvx** ^^xsj {ks= es ls uhps dh** lwphc) fuos'k dh dhè izfrhkwfr;ks izfrhkwfr;ks x;h jkf'k izfrhkwfr;ks dh jkf'k dh jkf'k dh lhek dh jkf'k (1) (2) (3) (4) (5) (6) (7) (i) ljdkjh {ks= 'kwu; ds miøe ¼ ½ ¼1-92½ ¼'kwU;½ ¼0-71½ ¼2-63½ (ii) forrh; 'kwu; 'kwu; llfkk, ¼ ½ ¼47-35½ ¼'kwU;½ ¼'kwU;½ ¼76-62½ (iii) csd 'kwu; 'kwu; 'kwu; 'kwu; ¼ ½ ¼2-00½ ¼'kwU;½ ¼'kwU;½ ¼'kwU;½ (iv) futh dkwikszjsv 'kwu; ¼ ½ ¼50-28½ ¼'kwU;½ ¼130-31½ ¼329-52½ (v) 'kwu; 'kwu; 'kwu; l;qdr mn~;e ¼ ½ ¼'kwU;½ ¼'kwU;½ ¼'kwU;½ ¼302-52½ (vi) vu;* 'kwu; 'kwu; 'kwu; 4-09 ¼712-08½ ¼'kwU;½ ¼'kwU;½ ¼'kwU;½ ¼4-98½ (vii) ewy;g~jkl ds 'kwu; 'kwu; 'kwu; 'kwu; fy, izkoèkku ¼ ½ ¼'kwU;½ ¼'kwU;½ ¼'kwU;½ ¼'kwU;½ tksm 'kwu; ¼ ½ ¼101-55½ ¼'kwU;½ ¼131-02½ ¼716-18½ ¼dks"Bdks es fn, x, vk dm+s finys o"kz ds gs½ * vu; es vuqlwph & 8 ds vurxzr ljdkjh çfrhkwfr;ks es mfyyf[kr fo'ks"k ljdkjh çfrhkwfr;ks dh ` djksm+ ¼ewY;ºzkl ds ckn½ dh jkf'k fo'ks"k ljdkjh çfrhkwfr;k 'kkfey gs A 4- [k vutzd,l,y vkj ds brj fuos'k ¼` djksm+ es½ fooj.k izkjfehkd 'ks"k o"kz ds nksjku o`f+) o"kz ds nksjku deh dks bfr'ks"k dqy èkkfjrk izkoèkku Non-SLR Investment Portfolio 4. Issuer composition of Non SLR investments (` in crores) S. Issuer Amount Extent Extent of Extent Extent No. of Privte Below of of Plcement Investment Unrted Unlisted Grde Securities Securities Securities (1) (2) (3) (4) (5) (6) (7) (i) PSUs NIL ( ) (1.92) (NIL) (0.71) (2.63) (ii) FIs NIL NIL ( ) (47.35) (NIL) (NIL) (76.62) (iii) Bnks NIL NIL NIL NIL ( ) (2.00) (NIL) (NIL) (NIL) (iv) Privte Corporte NIL ( ) (50.28) (NIL) (130.31) (329.52) (v) Subsidiries / NIL NIL NIL Joint Ventures ( ) (NIL) (NIL) (NIL) (302.43) (vi) Others* NIL NIL NIL 4.09 (712.08) (NIL) ((NIL)) (NIL) (4.98) (vii) Provisions held NIL NIL NIL NIL towrds deprecition ( ) ((NIL)) ((NIL)) (NIL) (NIL) Totl NIL ( ) (101.55) (NIL) (131.02) (716.18) (Figures in brckets relte to previous yer) *Others include Specil Govt. Securities of ` crore (net of deprecition) shown under Govt. Securities in Schedule b Non-performing Non-SLR investments (` in crores) Prticulrs Opening blnce s on / ) Additions during the yer Reductions during the yer Closing blnce s on / Totl provisions held

159 4x-,pVh,e Js.kh es ls fcøh,o vrj.k vçsy 12 ls ekpz 13 ds nksjku,pvh,e Js.kh çfrhkwfr;ks dh fcøh vksj vrj.kks dk dqy ewy; dks,pvh,e Js.kh es èkkfjr fuos'kks ds cgh ewy;~ ds 5 çfr'kr ls vf/kd ugh gsa vr% Hkkjrh; fjtoz csd ds] ekstwnk fn'kkfunsz'kks vuqlkj dksbz çdvhdj.k ugh fd;k x;k gsa 5- MsfjosfVOt+ 5-d ok;nk nj nj vnyk cnyh ¼LoSi½ ¼` djksm+ es½ en izfrj{kk VsªfMx izfrj{kk VsªfMx vnykcnyh vnykcnyh vnykcnyh vnykcnyh (i) vnykcnyh djkjks dk vkuqekfud ewyèku (ii) ;fn nwljk i{k djkj 'kwu; ds vrxzr vius nkf;roks dks iwjk ugh djrk rks lhkkfor gkfu (iii) vnykcnyh 'kwu; 'kwu; 'kwu; 'kwu; ds dkj.k _.k tksf[ke (iv) vnykcnyh 'kwu; 'kwu; 'kwu; 'kwu; cgh dk mfpr ewy; (v) vnykcnyh cgh 0-05 ¼31-07½ 0-09 ¼25-33½ dk mfpr ewy; vnyk cnyh dh izñfr vksj 'krs± ftues _.k rfkk ckt+kj tksf[ke ij lwpuk lfeefyr gs% izfrj{kk vnykcnyh % C;kt nj vnykcnyh Vh;j&II ckw.m] tek jkf'k;k ] yksfvx nj _.kks vksj csd Vw csd vnykcnyh dh izfrj{kk ds fy, gsa VsªfMx vnykcnyh % C;kt nj ysunsu ckt+kj tksf[ke % 'kwu; 5[k-,Dlpst VsªfMx okys C;kt nj MsfjosfVOt+ ¼` djksm+ es½ Ø- l fooj.k jkf'k (i) o"kz vizsy 2012 & ekpz 2013 ds nksjku 'kwu;,dlpst VsªfMx okys C;kt nj MsfjosfVOt dh vkuqekfud ewyèku jkf'k ¼fy[krokj½ dk C;kt nj ok;nk (ii) 31 ekpz] 2013 dh flfkfr ds vuqlkj cdk;k,dlpst VsªfMx okys 'kwu; C;kt nj MsfjosfVOt dh vkuqekfud ewyèku jkf'k ¼fy[krokj½ (iii),dlpst VsªfMx okys C;kt nj MsfjosfVOt dh,slh vkuqekfud 'kwu; ewyèku jkf'k rfkk tks ^^vr;fèkd izhkkoh** ugh gs ¼fy[krokj½ (iv),dlpst VªsfMx okys C;kt nj MsfjosfVOt+ dh vkuqekfud ewyèku jkf'k 'kwu; dk cdk;k ckt+kj ewy; ¼ekdZ&Vw&ekdsZV½tks ^^vr;fèkd izhkkoh** ugh gsa 5-x MsfjosfVOt+ es tksf[ke fuos'k lecuèkh izdvhdj.k 1 xq.kkred izdvhdj.k 1- csd vius rqyui= dh çfrj{kk gsrq vksj VªsfMx ç;kstuks ls MsfjosfVo mriknks dk mi;ksx djrk gsa MsfjosfVo ifjpkyu ds tksf[ke çcu/ku dk çeq[k,d ofj"b dk;zikyd gs tks vius lkeku; dk;ksz ds lkfk lkfk Lor= :i ls dk;z djrs gq, 'kh"kz çcu/ku dks bl lc/k es lwpuk nsrk gsa VªsfMx dh flfkfr nsfud vk/kkj ij cktkj ewy; ds vuq:i lwfpr dh tkrh gsa 2- MsfjosfVo uhfr tksf[ke çcu/ku çhkkx }kjk rs;kj dh tkrh gs ftles ØsfMV tksf[ke vksj ckt+kj tksf[ke ds mik; lfeefyr gsa 3- rqyu i= ds fy, çfrj{kk mik; fd, tkrs gsa fjiksfvzx vksj tksf[ke dh fuxjkuh ds fy, mi;qä fllve ekstwn gsa 4c. Sle nd trnsfers to/from HTM ctegory The totl vlue of sles nd trnsfers of securities to/from HTM ctegory during April'12 to Mrch'13 hs not exceeded 5% of the book vlue of investmetns held in HTM ctegory s on As such no disclosure is to be mde in terms of extnt RBI guidelnes. 5. Derivtives 5. Forwrd Rte Agreement/ Interest Rte Swp (` in crores) Items Hedge Trding Hedge Trding Swps Swps Swps Swps i. The notionl principl of swp greements ii. Losses which would NIL be incurred if counter prties filed to fulfill their obligtions under the greements iii. Collterl required NIL NIL NIL NIL by the bnk upon entering into swps iv. Concentrtion of NIL NIL NIL NIL credit risk rising from the Swps v. The fir vlue of 0.05 (31.07) 0.09 (25.33) the swp book Nture & Terms of the swps including informtion on credit nd mrket risk: Hedge Swps: Interest rte swps for hedging Tier-II Bonds, Deposits, Floting rte lons & bck-to-bck swps. Trding Swps: Interest rte swps mrket risk: Nil 5b. Exchnge Trded Interest Rte Derivtives (` in crores) S. No. Prticulrs Amount (i) Notionl Principl mount of exchnge trded interest rte NIL derivtives undertken during the yer April 2012 to Mrch, 2013 (instrument-wise) ) Interest Rte Futures (ii) Notionl Principl mount of exchnge trded interest rte NIL derivtives outstnding s on 31 st Mrch, 2013 (instrument-wise) (iii) Notionl Principl mount of exchnge trded interest rte NIL derivtives outstnding nd not highly effective (instrument-wise) (iv) Mrk-to-Mrket vlue of exchnge trded interest rte derivtives NIL outstnding nd not highly effective (instrument-wise) 5c. Disclosure on risk exposure in derivtives I Qulittive Disclosure 1. The bnk uses derivtives products for hedging its own blnce sheet items s well s trding purposes. The riskmngement of derivtive opertion is heded by senior executive, who reports to the top mngement, independent of the line functions. Trding positions re mrked to mrket on dily bsis. 2. The derivtive policy is frmed by the Risk Mngement Division, which includes mesurement of credit risk nd mrket risk. 3. The hedge trnsctions re undertken for blnce sheet mngement. Proper system for reporting nd monitoring of risks is in plce. 157

160 4- çfrj{kk gsrq uhfr vksj mldh fuxjkuh ds fy, çfø;k, fo eku gsa 5- çfrj{kk vksj xsj çfrj{kk VªsfMx dks fjdkmz djus ds fy, ys[kkdu uhfr fo eku gs ftles vk; igpku] çhfe;e vksj fmldkmv lfeefyr gsa cdk;k vuqcu/kks dk ewy;kdu] çko/kku] likf'ozd vksj _.k tksf[ke de fd, tkrs gsa II ek=kred çdvhdj.k (` djksm+ es ) Ø-l- fooj.k eqnzk C;kt nj eqnzk C;kt nj MsfjosfVOt MsfjosfVOt MsfjosfVOt MsfjosfVOt MsfjosfVOt+ ¼rkfdZd ewyèku jkf'k½ ¼d½izfrj{kk ds fy, 'kwu; ¼izfrj{kk vksj csd Vw csd½ ¼[k½VsªfMx ds fy, ekdmz Vw ekdszv iksft'ku ¼1½ izfrj{kk ¼d½ vkflr ¼+½ ¼[k½ns;rk (-) VªsfMx ¼d½ vkflr ¼+½ ¼[k½ ns;rk ¼-½ ¼31-07½ ¼25-33½ 3 fn;k x;k _.k ¼2½ 'kwu; C;kt nj es 1% ifjorzu dk lehkko; izhkko (100*PV01) ¼d½izfrj{kk MsfjosfVo ij 'kwu; 'kwu; ¼[k½ VªsfMx MsfjosfVo ij o"kz ds nksjku ik;s x;s 100* ihoh 01 dk vfèkdre rfkk U;wure ¼d½izfrj{kk ij vfèkdre 0-42 ¼0-01½ U;wure 'kwu; ¼[k½ VªsfMx ij vfèkdre U;wure 0-10 ¼31-58½ 6- vkflr xq.korrk 6-d vutzd vkflr;k (` djksm+ es ) en i) fuoy vfxzeks dh rqyuk es fuoy vutzd vkflr;k (%) 2-35% 1-52% ii) vutzd vkflr;k ¼ldy½ es?kvc<+ 1 vizsy dks izkjfehkd 'ks"k o"kz ds nksjku o`f) o"kz ds nksjku deh bfr'ks"k dks iii) fuoy vutzd vkflr;ks es?kv&c<+ 1 vizsy dks izkjfhkd 'ks"k o"kz ds nksjku o`f) o"kz ds nksjku deh bfr'ks"k dks iv) vutzd vkflr;ks ds fy, izkoèkkuks es /kv&c<+ ¼ekud vkflr;ks ls lecfuèkr izkoèkkuks dks NksM+dj½ izkjfehkd 'ks"k o"kz ds nksjku fd, x, izkoèkku ¼ldy½ vfrfjdr izkoèkkuks dks cv~vs [kkrs bfr'ks"k dks v) izkoèkkuhdj.k dojst vuqikr 58-83% 62-73% 4. Policy for hedging nd processes for monitoring the sme is in plce. 5. Accounting policy for recording hedge nd non-hedge trnsctions re in plce, which includes recognition of income, premiums nd discounts. Vlution of outstnding contrcts, provisioning, collterl nd credit risk mitigtion re being done. II Quntittive Disclosure (` in crores) S. No. Prticulrs Currency Interest Rte Currency Interest Rte Derivtives Derivtives Derivtives Derivtives Derivtives (Notionl Principl Amount) () For Hedging NIL (Hedge nd bck to bck) (b) For trding Mrked to Mrket Position (1) Hedging ) Asset (+) b) Libility (-) Trding ) Asset (+) b) Libility (-) (31.07) (25.33) 3 Credit Exposure (2) NIL Likely impct of one percentge chnge interest rte (100*PV01) () On hedging derivtives NIL NIL (b) On trding derivtives Mximum nd Minimum of 100*PV01 observed during the yer () On hedging Mximum 0.42 (0.01) Minimum 0.17 NIL (b) On trding Mximum Minimum 0.10 (31.58) 6. Asset Qulity 6. Non-Performing Asset (` in crores) Items i) Net NPAs to Net Advnces (%) 2.35% 1.52% ii) iii) iv) Movement of NPAs (Gross) Opening blnce s on 1st April Additions during the yer Reductions during the yer Closing blnce s on / Movement of Net NPAs Opening blnce s on 1st April Additions during the yer Reductions during the yer Closing blnce s on / Movement of provision for NPAs (excluding provisions on Stndrd ssets) Opening blnce (s on /2011) Provisions mde during the yer (gross) Write-off/write bck of excess provision Closing blnce s on / v) Provisioning Coverge Rtio 58.83% 62.73% 158

161 6 ch iqu% ljfpr ds fooj.k ¼` djksm+ es½ iqu% ljfpr [kkrks dk izdvhdj.k iqu% ljpuk dk izdkj lhmhvkj i)fr ds vrxzr,l,ebz _.k iqu% ljpuk i)fr ds vrxzr vu; tksm+ Ø- vkflr oxhzdj.k ekud voekud lfnx/k gkfu tksm+ ekud vouked lfnx/k gkfu tksm+ ekud vouked lfnx/k gkfu tksm+ ekud voekud lfnx/k gkfu tksm+ l- fooj.k 1 fofùk; o"kz _f.k;ks dh 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 4229 dh vizsy dks l[;k siqu% ljfpr cdk;k 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; [kkrs ¼izkjfHkd jkf'k vkdm+s½ izko/kku 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; o"kz ds nksjku _f.k;ks dh 42 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 300 u, iqu% l[;k ljfpr cdk;k 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; jkf'k izko/kku 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; foùkh; o"kz ds nksjku _f.k;ks dh 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 2-2 'kwu; 'kwu; 'kwu; 4-4 'kwu; 'kwu; 'kwu; 6-6 'kwu; 'kwu; 'kwu; iqu % ljfpr l[;ks ekud Js.kh cdk;k 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; es muu;u jkf'k izko/kku 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 4 iqu% ljfpr _f.k;ks dh 'kwu; 'kwu; 'kwu; ekud vfxze l[;k ftu ij mpprj cdk;k 'kwu; 'kwu; 'kwu; izko/kku gksuk jkf'k izko/kku 'kwu; 'kwu; 'kwu; foùkh; o"kz _f.k;ks dh 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; ds nksjku iqu% l[;k ljfpr [kkrks dh cdk;k 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; voufr jkf'k izko/kku 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 6 o"kz ds nksjku _f.k;ks dh 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; iqu% ljfpr l[;k [kkrks dks cv~vs[kkrk cdk;k 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; Mkyuk jkf'k izko/kku 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 'kwu; 7 foùkh; o"kz _f.k;ks dh 'kwu; 'kwu; 'kwu; 'kwu; 2975 dh 31 ekpz l[;k dks iqu% ljfpr cdk;k 'kwu; 'kwu; 'kwu; 'kwu; [kkrs ¼bfr 'ks"k jkf'k izko/kku 'kwu; 'kwu; 'kwu; 'kwu;

162 6b. Prticulrs of Accounts Restructured Amount in ` Crore Disclosure of Restructured Accounts Type of Restructing Under CDR Mechnism Under SME Debt Restructuring Mechnism Others Totl SI Asset Clssifiction Stndrd Sub- Doubtful Loss Totl Stndrd Sub- Doubtful Loss Totl Stndrd Sub- Doubtful Loss Totl Stndrd Sub- Doubtful Loss Totl No. Detils stndrd Stndrd Stndrd Stndrd 1 Restructured* No. of NIL NIL NIL NIL NIL 4229 Accounts borrowers s on April Amount NIL NIL NIL NIL NIL of the FY outstnding (Opening Provision NIL NIL NIL NIL NIL figures) thereon 2 Fresh No. of 42 NIL NIL NIL NIL NIL NIL NIL NIL NIL 300 restructuring borrowers during the Amount NIL NIL NIL NIL NIL NIL NIL NIL NIL yer outstnding Provision NIL NIL NIL NIL NIL NIL NIL NIL NIL thereon 3 Upgrdtions to No. of NIL NIL NIL NIL NIL 2-2 NIL NIL NIL 4-4 NIL NIL NIL 6-6 NIL NIL NIL restructured borrowers stndrd ctegory Amount NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL during the FY outstnding Provision NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL thereon 4 Restructured No. of NIL NIL NIL stndrd dvnces borrowers which cese Amount NIL NIL NIL to ttrct higher outstnding provisioning Provision NIL NIL NIL nd / or dditionl thereon risk weight t the end of the FY nd hence need not be shown restructured stndrd dvnces t the beginning of the next FY 5 Downgrdtions No.of NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL of restructured borrowers ccounts during Amount NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL the FY outstnding Provision NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL thereon 6 Write-offs of No. of NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL restructured borrowers ccounts during Amount NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL the FY outstnding Provision NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL thereon 7 Restructured No. of NIL NIL NIL NIL 2975 Acounts s borrowers on Mrch 31 Amount NIL NIL NIL NIL of the FY outstnding (closing Provision NIL NIL NIL NIL figures)* thereon 160

163 6x- vkflr;ks dh iqu% ljpuk gsrq ljpuk deiuh dks csph xbz forrh; vkflr;ks dk C;kSjk (` djksm+ es ) en i). [kkrks dh l[;k 'kwu; 15 dks csps x, [kkrks dk 'kwu; 1-86 dqy ewy; ¼çko/kkuks dks NksMdj½ iii). dqy çfrqy jkf'k 'kwu; iv). finys o"kks± es vrfjr fd, x, [kkrks ds lecuèk es 1-20 'kwu; izkir vfrfjdr izfrqy jkf'k v). fuoy cgh ewy; dh rqyuk es dqy 'kwu; ?k [kjhnh x;h vutzd forrh; vkflr;ks ds C;kSjs d- [kjhn x;h vutzd forrh; vkflr;ks ds C;kSjs (` djksm+ es ) en ¼d½ o"kz ds nksjku [kjhns x, [kkrks dh l[;k 'kwu; 'kwu; ¼[k½ dqy cdk;k 'kwu; 'kwu; 2- ¼d½ bues ls o"kz ds nksjku iqu% ljfpr [kkrks dh l[;k 'kwu; 'kwu; ¼[k½ dqy cdk;k 'kwu; 'kwu; [k- csfdx forrh; deifu;ks dks csph x;h vutzd forrh; vkflr;ks ds C;kSjs (` djksm+ es ) en o"kz ds nksjku csps x, [kkrks dh l[;k 'kwu; 'kwu; 2 dqy 'kwu; 'kwu; 3 dqy izkir izfrqy 'kwu; 'kwu; 6-³ ekud vkflr;ks lecuèkh izkoèkku (` djksm+ es ) en o"kz ds nksjku fd;k x;k çko/kku lp;h 'ks"k ¼rqyui= dh vuqlwph 5 es ^^vu; ns;rk, vksj izkoèkku^^ ds vurxzr lfeefyr½ 7- dkjksckjh vuqikr en i. dk;zdkjh fufèk;ks ds izfr'kr ds :i es C;kt vk; 8-83% 8-89% ii. dk;zdkjh fufèk;ks ds izfr'kr ds :i es xsj C;kt vk; 0-89% 1-03% iii. dk;z'khy fufèk;ks ds izfr'kr ds :i es ifjpkyu ykhk 2-30% 2-59% iv. vkflr;ks ls izfrqy 1-00% 1-19% v. izfr dezpkjh dkjksckj ¼tek rfkk vfxze½ ¼yk[k ` es½ vi. izfr dezpkjh ykhk ¼yk[k ` es½ uksv & dk;zdkjh fuf/k;k ekfld vkslr ij vk/kkfjr gs A 8- vkflr&ns;rk izcuèk vkflr;ks vksj ns;rkvks dh dqn enks dk ifjidork Lo:i ¼` djksm+ es½ ifjidork tek vfxze fuos'k mèkkj fons'kh eqnzk fons'kh Lo:i jkf';k ¼ldy½ vkflr;k eqnzk ns;rk, vkxkeh fnu ¼ ½ ¼ ½ ¼3-58½ ¼117-47½ ¼ ½ ¼422-17½ 2 fnu&7 fnu ¼ ½ ¼ ½ ¼843-30½ ¼ ½ ¼ ½ ¼ ½ 6c. Detils of finncil ssets sold to Securitistion/ Reconstruction Compny (SC/RC) for Asset Reconstruction (` in crores) Items i. No. of Accounts NIL 15 ii. Aggregte vlue (net of provisions) of NIL 1.86 ccounts sold to SC/RC iii. Aggregte considertion NIL iv. Additionl considertion relized in respect of 1.20 NIL ccounts trnsferred in erlier yers v. Aggregte gin/loss over net book vlue NIL d. Detils of non-performing finncil ssets purchsed/sold A. Detils of non-performing finncil ssets purchsed: (` in crores) Prticulrs () No. of ccounts purchsed during the yer NIL NIL (b) Aggregte outstnding NIL NIL 2 () Of these, number of ccounts restructured during the yer NIL NIL (b) Aggregte outstnding NIL NIL B. Detils of non-performing finncil ssets sold to Bnks/Fis/ NBFCs: (` in crores) Prticulrs No. of ccounts sold during the yer NIL NIL 2 Aggregte outstnding NIL NIL 3 Aggregte considertion received NIL NIL 6e. Provisions on Stndrd Assets (` in crores) Items Provided during the yer Cumultive Blnce (included under Other Libilities & Provisions in Schedule 5 to the blnce sheet) 7. Business Rtios Items i. Interest Income s percentge to Working Funds 8.83% 8.89% ii. Non-Interest Income s percentge to Working Funds 0.89% 1.03% iii. Operting profit s percentge to Working Funds 2.30% 2.59% iv. Return on Assets 1.00% 1.19% v. Business (Deposits plus dvnces) per employee (` in lcs) vi. Profit per employee (` in lcs) Note: Working Fund re bsed on Mothly Averge 8. Asset Libility Mngement Mturity Pttern of certin item of ssets nd Libilities (` in crores) Mturity Deposits Advnces Investments Borrowings Foreign Foreign Pttern (gross) Currency Currency Assets Libilities Next dy ( ) ( ) (3.58) (117.47) ( ) (422.17) 2 dys-7dys ( ) ( ) (843.30) ( ) ( ) ( ) 161

164 iwoz i`"b pre pge 8-14 fnu ¼ ½ ¼ ½ ¼174-58½ ¼ ½ ¼ ½ ¼938-97½ fnu ¼ ½ ¼ ½ ¼248-55½ ¼ ½ ¼ ½ ¼ ½ 29 fnu eghus ¼ ½ ¼ ½ ¼ ½ ¼290-76½ ¼ ½ ¼ ½ 3 eghus ls vfèkd rfkk 6 eghus ls rd ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ 6 eghus ls vfèkd rfkk 1 o"kz rd ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ 1 o"kz ls vfèkd rfkk 3 o"kz rd ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ 3 o"kz ls vfèkd rfkk 3 o"kz rd ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼297-48½ 5 o"kz ls vfèkd ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼724-71½ tksm ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼ ½ ¼dks"Bdks es fn, x, vk dm+s finys o"kz ds gs½ 9½ _.k 9d- LFkkoj link {ks= dks _.k ¼` djksm+ es½ Js.kh ¼v½ çr;{k _.k i. vkoklh; leifùk c/kd%& vkoklh; leifùk] tks _.kh }kjk vfèkdkj es yh xbz gs ;k yh tk;sxh ;k fdjk;s ij nh xbz gs] cu/kd }kjk iw.kzr% çfrhkwr _.k ¼ dks ` 20 yk[k rd ds ` djksm+ ds rfkk dks ` 20 yk[k rd ds ` djksm+ ds os;fdrd vkoklh; _.k 'kkfey gs½ ii. okf.kft;d LFkkoj link & xsj fuf/k vk/kfjr lhekvks lfgr ;s _.k okf.kft;d LFkkoj link ij c/kd ds l`tu }kjk lqjf{kr fd, tk;sxs ¼bues dk;kzy; dk Hkou] [kqnjk dkjksckj dk LFkku] cgqmís'kh; okf.kft;d ifjlj] vks ksfxd vfkok xksnke dk LFkku] Hkwfe] ml ij fd;k x;k fodkl vksj fuekz.k vkfn 'kkfey gksxsa½ iii. c/kd leffkzr çfrhkwfr;ks ¼,e ch,l½ es fuos'k vksj vu; çfrhkwr _.k ¼d½ vkoklh; ¼[k½ okf.kft;d LFkkoj link 'kwu; 'kwu; vk vçr;{k _.k jk"vªh; vkokl csd ¼,u,p ch½ vksj vkokl forr deifu;k ¼,u,p,iQlh½ ds lecu/k es fuf/k vk/kfjr rfkk xsj fuf/k vk/kkfjr _.k bles dks ` djksm+ ds fuos'k rfkk dks ` djksm+ ds fuos'k lfeefyr gsa LFkkoj link {ks= dks dqy _.k iwoz i`"b pre pge 8-14 dys ( ) ( ) (174.58) ( ) ( ) (938.97) dys ( ) ( ) (248.55) ( ) ( ) ( ) 29 dys to 3 months ( ) ( ) ( ) (290.76) ( ) ( ) Over 3 Months to months ( ) ( ) ( ) ( ) ( ) ( ) Over 6 Months to 1 yer ( ) ( ) ( ) ( ) ( ) ( ) Over 1Yer to 3 Yers ( ) ( ) ( ) ( ) ( ) ( ) Over 3 Yers to 5 Yers ( ) ( ) ( ) ( ) ( ) (297.48) Over 5 Yers ( ) ( ) ( ) ( ) ( ) (724.71) Totl ( ) ( ) ( ) ( ) ( ) ( ) (Figures in brckets relte to previous yer) 9. Exposures: 9. Exposure to Rel Estte Sector (` in crores) Ctegory (A) Direct Exposure i. Residentil Mortgges Lending fully secured by mortgges on residentil property tht is or will be occupied by the borrower or tht is rented includes (individul housing lons ` crore s on upto ` 20 lkh nd ` crore s on upto `20 lkh) (B) ii. Commercil Rel Estte including NFB limits Lending secured by mortgges on commercil rel esttes (office buildings, retil spce, multi-purpose commercil premises,, industril or wrehouse spce, lnd cquisition, development nd construction etc.). iii. Investments in Mortgge Bcked Securities (MBS) nd other securitised exposures - () Residentil (b) Commercil Rel Estte NIL NIL Indirect Exposure Fund bsed nd non fund bsed exposures on Ntionl Housing Bnk (NHB) nd Housing Finnce Compnies (HFCs) Including investments of ` crores s on nd ` crores s on Totl Exposure to Rel Estte Sector

165 9-[k- iw th ckt+kj dks _.k ¼` djksm+ es½ fooj.k bfdovh 'ks;jks] ifjorzuh; c/k i=ks] ifjorzuh; _.k i=ks vksj bfdovh mueq[k E;wpqvy QMks ds ;wfuvks es çr;{k fuos'k tks fuxfer _.k dh ewy fufèk es gh,d ek= fuos'k ugh gs 2- 'ks;jks lfeefyr gs½ ifjorzuh; c/ki=ks]ifjorzuh; _.k i=ks vksj bfdovh mueq[k E;wpqvy QMks es fuos'k ds fy, O;f"V;ks dks c/k i=ks ;k vu; çfrhkwfr;ks dh çfrhkwfr ij ;k vçfrhkwr vfxze 3- fdlh vu; ç;kstu ds fy, vfxze tgk 'ks;jks ;k ifjorzuh; c/k i=ks ;k ifjorzuh; _.k i=ks ;k bfdovh mueq[k E;wpqvy QMks ds ;wfuvks dks çkfkfed çfrhkwfr ds :i es j[kk x;k gksa 4- fdlh vu; ç;kstu ds fy, vfxze tgk 'ks;jks ;k ifjorzuh; ckm] ifjorzuh; fmcs pj vksj bfdovh mueq[k E;wpqvy QMks ds ;wfuvks dh leikfjod çfrhkwfr rd çfrhkwfr nh xbz gks vfkkzr~ tgk ifjorzuh; _.k mueq[k E;wpqvy QMks ds ;wfuvks ls fhkuu çkfkfed çfrhkwfr vfxzeks dks iwjh rjg doj ugh djrh gs A 5- LVkWd czksdjks dks çfrhkwr rfkk vçfrhkwr vfxze vksj LVkWd czksdjks rfkk ekfdzv esdjks dh vksj ls nh xb± xkjfv;k 6- llk/kuks ds c<+us dh lhkkouk es u;h deifu;ks 'kwu; 'kwu; dh bfdovh ds çfr çorzdks ds v'k dks iwjk djus ds fy, i=ks ;k vu; çfrhkwfr;ks dh çfrhkwfr ij ;k fcuk çfrhkwfr ds fuxfer llfkkvks dks LohÑr fd;k x;k _.k 7- lhkkfor bfdovh ds izfr 'kwu; 'kwu; deifu;ks dks iwjd _.k 8- 'ks;jks ;k ifjorzuh; c/k i=ks ;k ifjorzuh; 'kwu; 'kwu; _.k i=ks ;k bfdovh mueq[k E;wpqvy QMks ds ;wfuvks ds çkbejh b';w ds lecu/k es csdks }kjk gkehnkjh çfrc)rk, 9- ekftzu VªsfMx ds fy, LVkWd czksdjks dks foùk 'kwu; 'kwu; 10- m e iw th fuf/k;ks ¼ithÑr vksj xsj ithñr nksuks½ dks lelr _.k iw th ckt+kj dks dqy _.k x½tksf[ke Js.khokj ns'k lecu/kh,dlikstj çr;sd ns'k ds fy, csd dh 'kq) fuf/k;ks dk tksf[ke Js.khokj ns'kh;,dlikstj csd dh dh vkflr;ks ds,d izfr'kr ls de gs] vr% Hkkjrh; fjt+oz csd ds eklvj ifji= l[;k MhchvksMh % l[;k chih % chlh- fnukd ds vuqlkj dksbz çko/kku visf{kr ugh gsa tksf[ke Js.khokj ns'k lcèkh,dlikstj ¼` djksm+ es½ tksf[ke ekpz 2013 dks ekpz 2013 dks ekpz 2012 dks ekpz 2012 dks Js.kh,Dlikstj ¼'kq)½ j[kk x;k izkoèkku,dlikstj ¼'kq)½ j[kk x;k izkoèkku ¼pkyw o"kz+½ ¼pkyw o"kz½ ¼xr o"kz½ ¼xr o"kz½ ux.; 'kwu; 'kwu; de 'kwu; 'kwu; lkeku; 'kwu; 'kwu; mpp 9-34 'kwu; 4-32 'kwu; vfr mpp 4-68 'kwu; 8-75 'kwu; izfrcfèkr 'kwu; 'kwu; vkq ØfMV 0-00 'kwu; 'kwu; 'kwu; dqy 'kwu; 'kwu; 9b. Exposure to Cpitl Mrket (` in crores) Prticulrs Direct investment in equity shres, convertible bonds, convertible debentures nd units of equity oriented mutul funds the corpus of which is not exclusively invested in corporte debt; 2. Advnces ginst shres/bonds/debentures or other securities or on clen bsis to individuls for investment in shres (including IPOs/ESOPs) convertible bonds, convertible debentures, nd units of equity oriented mutul funds; 3. Advnces for ny other purposes where shres or convertible bonds or convertible debentures or units of equity oriented mutul funds re tken s primry security; 4. Advnces for ny other purposes to the extent secured by the collterl security of shres or convertible bonds or convertible debentures or units of equity oriented mutul funds i.e. where the primry security other thn shres/ convertible bonds/convertible debentures/ units of equity oriented mutul funds does not fully cover the dvnces 5. Secured nd unsecured dvnces to stock brokers nd gurntees issued on behlf of stock brokers nd mrket mkers 6. Lons snctioned to corporte ginst the NIL NIL security of shres/bonds/debentures or other securities or on clen bsis for meeting promoter s contribution to the equity of new compnies in nticiption of rising resources; 7. Bridge lons to compnies ginst expected NIL NIL equity flows/issues; 8. Underwriting commitments tken up by the NIL NIL bnks in respect of primry issue of shres or convertible bonds or convertible debentures or units of equity oriented mutul funds; 9. Finncing to stock brokers for mrgin trding NIL NIL 10. All exposures to Venture Cpitl funds (both registered nd unregistered) Totl Exposure to Cpitl Mrket c. Risk Ctegory wise Country Exposure Bnk's net funded exposure for risk ctegory-wise country exposures for ech country is less thn 1% of bnk's ssets s on nd s such no provision is required in terms of RBI Mster Cir. No. DBOD NO. BP.BC.12/ / dted July 1, Risk Ctegory wise Country Exposure (` in crores) Ctegory Exposure (net) Provision held Exposure(net) s Provision held s s t Mrch 2013 s t Mrch 2013 t Mrch 2012 t Mrch 2012 (Current Yer) ( Current Yer) (Previous Yer) (Previous Yer) Insignificnt NIL NIL Low NIL NIL Moderte NIL NIL High 9.34 NIL 4.32 NIL Very high 4.68 NIL 8.75 NIL Restricted NIL NIL Off-credit 0.00 NIL NIL NIL Totl NIL NIL 163

166 9-?k½ csd }kjk,dy m/kkjdrkz lhek rfkk lewg m/kkjdrkz lhek ds myy?ku ds C;kSjs *csd us ls ds nksjku fdlh lewg [kkrs ds lecu/k es foosdiw.kz lhekvks dk myy?ku ugh fd;k gsa** 9³½ vizfrhkwr vfxze ¼` djksm+ es½ en vfxzeks dh og dqy jkf'k ftlds fy, vewrz vkflr;k tsls vf/kdkjks] vuqkfir;ks] çkf/kdkjks vkfn ij _.k Hkkj dks ^^vçfrhkwr vfxze** ds vurxzr vuqlwph 9 es 'kkfey fd;k x;k gsa 2- vewrz likfjod çfrhkwfr;ks dk vuqekfur ewy; fjt+cz csd }kjk yxkbz xbz 'kkflr;ks dk izdvhdj.k Hkkjrh; fjt+oz csd us o"kz ds nksjku dksbz 'kkflr ugh yxkbz gsa ys[kk ekudks n~okjk visf{kr vu; izdvhdj.k 11- ys[kk ekud&5 iwoz&vofèk vksj ys[kkdu uhfr es ifjorzu ys[kk ekud&5 ds vèkhu iwoz vofèk ds ds dksbz egroiw.kz izdvhdj.k visf{kr ugh gsa rfkkfi 01 tuojh] 2013 ls csd us vutzd [kkrks ls dh xbz olwfy;ks ds lek;kstu es izkfkfedrk ds dkj.k viuh uhfr es ifjorzu fd;k gs ftlds QyLo:i dqy vutzd [kkrks es] lkfk gh lkfk forrh; o"kz ds ykhk es ` djksm dh deh gqbz gsa 12- ys[kk ekud&6 % ewy;gzkl ys[kk fofèk o"kz es vkflr;ks ds izr;sd oxz ds fy, x, ewy;gzkl dk C;kSjk ¼` djksm+ es½ ifjlj vu; vpy vkflr;k iês okyh vkflr;k 'kwu; 0-07 dei;wvj lkw Vos;j tksm ys[kk ekud&9 jktlo eku;rk% vk; dh dqn enks dh eku;rk ys[kk uhfr l[;k 10 ¼4½ ds vuqlkj olwyh vkèkkj ij dh tkrh gsa cgjgky] mdr vk; ux.; gsa 14- ys[kk ekud 11 % fons'kh fofue; njks es ifjorzu% fons'kh eqnzk ifjorzu izkjf{kr es?kv&c<+ ¼` djksm+ es½ fooj.k jkf'k 1 vizsy] 2012 dks 'ks"k ¼1-65½ ls dh vofèk ds nksjku tek 7-10 vofèk es fudklh ¼7-94½ dks 'ks"k ¼2-49½ 15- ys[kk ekud&15 dezpkjh ykhk ys[kk ekud dk vxhdj.k&15 ¼l'kksfèkr½ csd us ls Hkkjrh; lunh ys[kkdkj llfkku n~okjk tkjh ys[kk ekud&15 ¼l'kksfèkr½ dezpkjh ykhk dks vxhdkj fd;k x;k gsa 9d. Detils of Single Borrower Limit nd Group Borrower Limit exceeded by the bnk. "The Bnk hs not exceeded prudentil exposure ceilings in respect of ny Group Accounts nd individul borrowers during period to ". 9e. Unsecured Advnces: (` in crores) Prticulrs Totl mount of dvnces for which intngible securities such s chrge over the rights, licenses, uthority etc. hs been included in Sch.9 under Unsecured Advnces 2. Estimted vlue of intngible collterls Disclosure of penlties imposed by the RBI: During the yer no penlty hs been imposed by RBI on the bnk. Other Disclosures required by Accounting Stndrds 11. AS -5 Prior Period nd Chnge in Accounting Policy There were no mteril prior period income/expenditure items requiring disclosure under AS-5. However, with effect from 1st Jnury '2013 the bnk hs chnged its policy in the order of priority in ppropriting of recoveries mde from Non - Performing ccounts, resulting reduction of ` crore in gross Non- Performing ccounts s well s in profit for the finncil yer. 12. AS- 6 Deprecition ccounting Brek up of totl deprecition for the yer for ech clss of ssets (` in crores) Clss of ssets Premises Other fixed ssets Lesed ssets NIL 0.07 Computer softwre Totl AS- 9 Revenue Recognition: Certin items of income re recognized on reliztion bsis s per Accounting Policy No. 10(4). However, the sid income is not considered to be mteril. 14. AS 11- Chnges in foreign exchnge rtes: Movement of foreign currency trnsltion reserve (` in crores) Prticulrs Amount Blnce s t 1 st April 2012 (1.65) Credited during the period to Withdrwn during the period (7.94) Blnce s t (2.49) 15. AS 15 Employees Benefits: ADOPTION OF AS 15(R): The Bnk hs dopted Accounting Stndrd 15(R) - Employee Benefits, issued by the Institute of Chrtered Accountnts of Indi (ICAI), with effect from 1st April

167 csd us ys[kkcfg;ks es rqyui= frffk dks ;kstuk vkflr;ks ds mfpr ewy; dks?kvkdj ns;rk ds orzeku ewy; dh jkf'k ds :i es dezpkjh ykhkks ls vk;h ns;rk dks Lohdkj fd;k gsa dezpkfj;ks ds fy, is'ku fodyi [kksyuk rfkk minku dh lhekvks es o`f) o"kz 2010&11 ds nksjku csd us vius mu dezpkfj;ks ds fy, is 'ku dk fodyi iqu% [kksy fn;k ftugksus igys is'ku dk fodyi ugh fn;k FkkA ifj.kkelo:i dezpkfj;ks }kjk,sls fodyi dk ç;ksx fd;k x;k vksj csd dks ` djksm+ dh ns;rk dk cks> mbkuk im+ka blh çdkj o"kz 2010&11 es minku Hkqxrku vfèkfu;e 1972 es l'kks/ku ds QyLo:i csd ds dezpkfj;ks ds fy, minku Hkqxrku dh lhek Hkh cm+kbz xbz ftlds QyLo:i minku lc/kh csd dh ns;rk es djksm+ dh o`f) gqbza bu ns;rkvks dh x.kuk chekfdd ewy;kdu ds vk/kkj ij dh x;h gsa ys[kk ekud 15] dezpkjh ykhk dh vis{kkvks ds vuqlkj #i;s djksm+ ¼` djksm+ $ #i;s djksm+½ dks ykhk o gkfu [kkrs es çhkkfjr fd;k tkuk visf{kr gsa cgjgky] Hkkjrh; fjt+oz csd us ^^lkoztfud {ks= ds csdks ds dezpkfj;ks ds fy, is'ku fodyi iqu% [kksyuk rfkk minku lhekvks es o`f) & foosdiw.kz fofu;ked O;ogkj** fo"k; ij 9 Qjojh] 2011 dk ifji= l[;k tkjh fd;k gsa mä ifji= ds çko/kkuks ds vuqlkj csd us bl o"kz 2012&13 ds ykhk gkfu [kkrs es ` djksm+ ¼` djksm is 'ku ds fy, vksj xzsp;qvh ds fy, : djksm½ dh jkf'k pktz v Q dh gs tks #i;s djksm+ dh jkf'k dk ik pok fgllk curh gsa ¼fiNys o"kksz vfkkzr~ 2010&11 vksj 2011&12 es igys gh djksm pktz fd, tk pqds gs½ Hkkjrh; fjt+oz csd ds mä ifji= dh vis{kkvks ds vuqlkj vkxs ys tk;h x;h 'ks"k jkf'k vfkkzr~ djksm+ ¼ djksm& djksm½ ¼is 'ku ds fy, ` djksm vksj xzsp;wtvh ds fy, djksm½ vyx gq, lsokfuo`ùk dezpkfj;ks ls lec) dksbz ns;rk 'kkfey ugh gsa vkxs ys tk;h x;h,slh 'ks"k jkf'k dks vuqlwph 5 ds 'kh"kz ^^vu;** ds vurxzr j[kk x;k gs vksj rnuq:i vuqlwph 11 ds 'kh"kz ^^vu;** ds vurxzr j[kk tk;sxk,o ijorhz o"kks Z ¼2013&14 vksj 2014&15½ es pktz v Q fd;k tk;sxka ys[kk ekud&15 ¼l'kksf/kr½ ds vuqlkj çdvhdj.k ys[kk uhfr ds vuq:i rfkk ys[kk ekud & 15 ¼l'kksf/kr½ ds vuqlkj jkstxkj mijkur feyus okys Qk;ns dh lf{kir flfkfr dks ykhk o gkfu[kkrs vksj rqyui= es fueuor~ ekuk x;k gs% I. rqyui= dh rkjh[k dks ç/kku chekfdd eku;rk ¼Hkkfjr vuqikrks ds :i es O;Dr½ ¼izfr'kr es½ chekfdd is'ku minku Nqêh eku;rk ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ cêk nj 8-80% 8-45% 8-60% 8-38% 8-60% 8-38% ;kstuk vkflr;ks ds izfrqy dh lhkkfor nj 8-61% 8-61% 8-61% 8-61% 'kwu; 'kwu; osru es o`f) dh nj 5-00% 5-00% 5-00% 5-00% 5-00% 5-00% gzkl nj 1-00% 1-00% 1-00% 1-00% 1-00% 1-00% The Bnk recognizes in its books of ccounts the libility rising out of Employee Benefits s the sum of the present vlue of obligtion s reduced by fir vlue of pln ssets on the Blnce Sheet dte. OPENING OF PENSION OPTION TO EMPLOYEES AND ENHANCEMENT IN GRATUITY LIMITS During the yer the Bnk reopened the pension option for such of its employees who hd not opted for the pension scheme erlier. As result of exercise of which by employees, the bnk hs incurred libility of ` crores. Further during the yer the limit of grtuity pyble to the employees of the bnks ws lso enhnced pursunt to the mendment to the Pyment of Grtuity Act, As result the grtuity libility of the Bnk hs incresed by ` crores. These Libilities were clculted on the bsis of cturil vlution. In terms of the requirements of the Accounting Stndrd (AS) 15, Employee Benefits, the entire mount of ` crores.(` cr. + ` cr.) were required to be chrged to the Profit nd Loss Account. However, the RBI hs issued circulr no. DBOD.BP.BC.80/ / dted 9 th Februry 2011, on "Re-opening of Pension Option to Employees of Public Sector Bnks nd Enhncement in Grtuity Limits-Prudentil Regultory Tretment". In ccordnce with the provisions of the sid Circulr,the Bnk hd chrged off ` crores (` crore for pension nd ` crore for grtuity) representing one-fifth of ` crores to Profit & Loss Account for this yer (` crore lredy chrged in previous yers i.e & ). In terms of the requirements of the foresid RBI circulr, the blnce mount crried forwrd, i.e. ` crores. (` cr- ` cr.) (` crore for pension nd ` crore for grtuity) does not include ny libility relting to seprted/retired employees. Such blnce mount crried forwrd hs been grouped in Schedule 5 under hed "Others" nd correspondingly in Schedule 11 under 'Others' nd will be chrged off in subsequent yers ( & ). DISCLOSURE IN ACCORDANCE WITH AS 15(R): In line with the ccounting policy nd s per the Accounting Stndrd - 15(R), the summrized position of post employment benefits re recognized in the Profit & Loss A/c nd Blnce Sheet s under: I. Principl Acturil ssumption t the Blnce sheet dte (expressed s weighted verges) (in %) Acturil Pension Grtuity Leve Assumption (Funded) (Funded) Encshment (Unfunded) Discount Rte 8.80% 8.45% 8.60% 8.38% 8.60% 8.38% Expected Return on Pln Assets 8.61% 8.61% 8.61% 8.61% NIL NIL Rte of Escltion In slry 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% Attrition Rte 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 165

168 s II. nkf;roks ds orzeku ewy; es ¼ihohvks½ ifjorzu] çkjfehkd rfkk vfre 'ks"kks dk lek/kku ¼` djksm+ es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ dks nkf;roks dk orzeku ewy; C;kt ykxr pkyw lsok ykxr lnrr ykhk ¼ ½ ¼212-03½ ¼134-00½ nkf;roks ij chekfdd ¼57-43½ ds vr es nkf;roks dk orzeku ewy; III. ;kstuk vkflr;ks ds mfpr ewy; es ifjorzu & çkjfehkd rfkk bfr'ks"kks dk lek/kku ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ dks ;kstuk vkflr;k dk mfpr ewy; 'kwu; ;kstuk vkflr;k ij lhkkfor izfrqy 'kwu; v'knku lnrr ykhk ¼528-61½ ¼212-03½ ¼134-00½ ;kstuk vkflr;ks ij chekfdd 'kwu; dks ;kstuk vkflr;ks dk mfpr ewy; 'kwu; IV. ;kstuk vkflr;ks ij oklrfod izfrqy ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ ;kstuk vkflr;ks ij vuqekfur izfrqy 'kwu; ;kstuk vkflr;ks ij chekfdd 'kwu; ;kstuk vkflr;ks ij oklrfod izfrqy 'kwu; V. eku; 'kq) chekfdd ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ udnhdj.k ¼xSj fufèkd½ nkf;roks ij chekfdd ¼ ½ ¼36-46½ ;kstuk vkflr;k ij chekfdd 'kwu; o"kz es eku; 'kq) chekfdd ¼68-45½ VI. rqyui= es eku; jkf'k rfkk lc) fo'ys"k.k ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ dks nkf;roks dk orzeku ewy; ;kstuk vkflr;ks dk mfpr ewy; 'kwu; vurj veku; xr lsok ykxr& fufgr ykhk& vkxs ys tk;k x;k ¼ ½ ¼226-40½ 'kwu; ys[kk ekud&15 l'kksfèkr ds isjk 55 ds vrxzr udkjkred fuèkkzfjr jkf'k 'kwu; ¼154-22½ 'kwu; Hkkoh v'knkuks es dvksrh vksj miycèk Hkkoh dvksrh dk orzeku ewy; 'kwu; 'kwu; ys[kk ekud&15 l'kksfèkr isjk 59 ds vurxzr lhek vuqlkj eku; vkflr 'kwu; 'kwu; 'kwu; rqyui= es eku; ns;rk ¼154-22½ II. Chnges in the present vlue of the obligtions (PVO) Reconcilition of Opening nd closing blnces (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Present vlue of Obligtion, Interest Cost Current service cost Benefits pid (528.61) (212.03) (134.00) Acturil loss/ (gin) on obligtions (57.43) Present vlue of Obligtion, III. Chnges in the Fir Vlue of Pln Assets- Reconcilition of opening nd closing blnces: (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Fir vlue of Pln Assets, NIL Expected return on Pln ssets NIL Contributions Benefits Pid (528.61) (212.03) (134.00) Acturil (loss) / gin on Pln Assets NIL Fir vlue of Pln Assets, NIL IV. Actul Return on pln ssets (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Expected return on Pln Assets NIL Acturil (loss) / gin on Pln Assets NIL Actul Return on Pln Assets NIL V. Acturil Gin/ loss Recognized (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Acturil (loss) / gin on obligtions ( ) (36.46) Acturil (loss) / gin on Pln Assets NIL Net Acturil (gin) or loss recognized in yer (68.45) VI.Amount recognized in Blnce Sheet nd relted nlysis (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Present vlue of Obligtion, Fir vlue of Pln Assets, NIL Difference Unrecognized Pst Service cost - vested ( ) (226.40) NIL benefits - Crried Forwrd Negtive mount determined under Prgrph 55 of AS-15 (R) NIL (154.22) NIL Present vlue of vilble future refunds NIL NIL in future contributions Asset Recognized s per Limit under prgrph 59 (b) of AS-15(R) NIL NIL NIL Libility Recognized in the Blne Sheet (154.22)

169 VII. ykhk o gkfu [kkrs es eku; O;; ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ pkyw lsok ykxr C;kt ykxr ;kstuk vkflr;ks ij lhkkfor izfrqy ¼931-89½ ¼197-69½ 'kwu; o"kz ds nksjku 'kq) ¼68-45½ vfkok gkfu xr lsok ykxr ¼fufgr ykhk½ 'kwu; eku; ykhk o gkfu [kkrs dh fooj.kh es eku; O;; VIII. rqyui= es eku; gksus okyh 'kq) ns;rk es?kv&c<+ ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ izkjfehkd 'kq) ns;rk ¼177-67½ O;; lnrr v'knku ¼ ½ ¼371-60½ ¼134-00½ vfre 'kq) ns;rk ¼pkyw vofèk es ¼154-22½ rqyu&i= es eku; ns;rk½ IX. orzeku vofèk ds fy, jkf'k ¼jkf'k djksm+ ` es½ fooj.k is'ku minku Nqêh ¼fufèkd½ ¼fufèkd½ uxnhdj.k ¼xSj fufèkd½ nkf;roks dk orzeku ewy;] ;kstuk vkflr;ks dk mfpr ewy; 'kwu; vfèk'ks"k ¼?kkVk½ ¼ ½ ¼72-18½ ¼ ½ ;kstuk ns;rkvks es vuqhkkfod ¼24-46½ ;kstuk vkflr;ks es vuqhkkfod 'kwu; X. ;kstuk vkflr;ks dh izeq[k Jsf.k;k ¼dqy ;kstuk vkflr;ks dk izfr'kr½ ¼izfr'kr es½ fooj.k is'ku minku ¼fufèkd½ ¼fufèkd½ Hkkjr ljdkj dh izfrhkwfr;k jkt; ljdkj dh izfrhkwfr;k mpp fdle ds dkwikszjsv ck.m lwphc) deifu;ks ds bfdovh 'ks;j 'kwu; 'kwu; lifrr 'kwu; 'kwu; fo'ks"k tek ;kstuk, chekdrkz n~okjk pykbz xbz fufèk;k 'kwu; 'kwu; vu;&csd tekjkf'k;k vksj tek izek.ki= ¼lhMh½ tksm VII. Expenses recognized in the Profit & Loss A/c (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Current service cost Interest cost Expected return on pln ssets (931.89) (197.69) NIL Net Acturil (gin) /loss recognized (68.45) in the yer Pst service cost (vested benefits) NIL Recognized Expenses recognized in Sttement of Profit & Loss VIII. Movements in the libility to be recognized in the Blnce Sheet (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Opening net libility (177.67) Expenses Contribution pid ( ) (371.60) (134.00) Closing Net Libility (Libility (154.22) recognized in B/S in current period IX. Amount for the current period (` in crores) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Present vlue of obligtion, Fir vlue of Pln Assets, NIL Surplus (Deficit) ( ) (72.18) ( ) Expected djustments in pln (24.46) libilities-(loss)/gin Expected djustments on pln NIL ssets-(loss)/gin X. Mjor ctegories of pln ssets (s percentge of totl pln ssets) (in %) Prticulrs Pension Grtuity (Funded) (Funded) Government of Indi Securities Stte Govt Securities High Qulity Corporte Bonds Equity Shres of listed compnies NIL NIL Property NIL NIL Specil deposit scheme Funds mnged by Insurer NIL NIL Other- Bnk Deposits nd CDs TOTAL

170 XI. vkxkeh o"kz ds nksjku v'knku dk Js"Bre vuqeku ¼` djksm+ es½ fooj.k is'ku minku ¼fufèkd½ ¼fufèkd½ vkxkeh o"kz ds nksjku cs d dk Js"Bre v'knku dk vuqeku XII. vu; nh?kkzofèk dezpkjh ykhk ¼xSj fufèkd½ ¼` djksm+ es½ fooj.k vkdfled,y,qlh flyoj tqcyh Nqêh lfgr cksul chekjh dh Nqêh nkf;ro dk orzeku ewy; løe.k'khy ns;rk dk izkjfehkd 'ks"k 'kwu; 'kwu; 'kwu; o"kz ds nksjku eku; løe.k'khy ns;rk 'kwu; 'kwu; 'kwu; løe.k'khy ns;rk dk bfr'ks"k 'kwu; 'kwu; 'kwu; rqyui= es eku; ns;rk XIII. fopkfjr chekfdd èkkj.kkvks dk vkèkkj fooj.k èkkj.kk dk vkèkkj cêk nj l'kksf/kr ys[kk ekud l[;k 15 ds isjk 78 ds vuqlkj nkf;roks dh vuqekfur 'krksz ds vuq#i ljdkjh c/k i=ks ij rqyu i= dh frffk dks ckt+kj çkfir;ks ds vuqlkj cêk nj fu/kkzfjr dh x;h gs A ;kstuk vkflr;ks ;kstuk vkflr;ks ij lhkkfor çfrqy nj lcf/kr nkf;ro dh iwjh ij izfrqy dh vk;q ds fjvuksz ds fy, vof/k ds vkjehk es ckt+kj lhkkoukvks ij lhkkfor nj vk/kkfjr gs A osruo`f) nj l'kksf/kr ys[kk ekud l[;k 15vkj ds isjk 83&91 vksj 120 ¼I½ ds vuqlkj Hkkoh osruo`f) ds vuqekuks ds fy, dezpkjh ckt+kj es vkiwfrz,o ek x tsls lc)?kvdks] egxkbz] ofj"brk] inksuufr vkfn ij chekfdd ewy;kdu ij fopkj fd;k x;k gs A gzkl nj ºzkl nj dk fu/kkzj.k finys vksj lhkkfor Hkkoh vuqhkoks lnhkz }kjk fd;k x;k gs vksj mles e`r;q dks NksM+dj fdrq v'kärk ds dkj.k gqbz vu; lhkh çdkj dh fudkfl;k lfeefyr gs A ekpZ] 2013 dks lekir o"kz gsrq [kmokj lwpuk ¼` djksm+ es½ Hkkx d% dkjksckj [km Ø- fooj.k lekir o"kz l i. [kmokj jktlo d½ Vsªt+jh [k½ csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu tksm ii. [kmokj ifj.kke d½ VªsMjh [k½ d csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu tksm iii. xsj vkcfvr O;; iv. ifjpkyu ykhk v. dj gsrq izkoèkku vi. vlkèkkj.k ens 'kwu; 'kwu; vii. 'kq) ykhk XI. Best estimte of contribution during the next yer (` in crores) Prticulrs Pension Grtuity (Funded) (Funded) Bnk s best estimte of contribution during next yer XII. Other Long term employee benefits (Unfunded) (` in crores) Prticulrs Sick Leve LFC Silver Jubilee including Bonus Csul Leve Present Vlue of Obligtion Opening Blnce of Trnsitionl Libility NIL NIL NIL Trnsitionl Libility recognized in the yer NIL NIL NIL Closing Blnce Of Trnsitionl Libility NIL NIL NIL Libility Recognized in blnce Sheet XIII. Bsis of Acturil ssumption considered Prticulrs Discount rte Expected rte of return on pln ssets Rte of escltion in slry Attrition rte Bsis of ssumption Discount rte hs been determined by reference to mrket yields on the blnce sheet dte on Government Bonds of term consistent with estimted term of the obligtions s per pr 78 of AS15R. The expected return on pln ssets is bsed on mrket expecttions, t the beginning of the period, for returns over the entire life of the relted obligtion. The estimtes of future slry increses considered in cturil vlutions tking into ccount infltion, seniority, promotion nd other relevnt fctors mentioned in prs nd 120(I) of AS 15R. Attrition rte hs been determined by reference to pst nd expected future experience nd includes ll types of withdrwls other thn deth but including those due to disbility. 16. SEGMENT REPORTING FOR THE YEAR ENDED 31 ST MARCH 2013 (` in lcs) PART A: BUSINESS SEGMENTS S. Prticulrs Yer Ended No i. Segment Revenue ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions ii. Totl Segment Results ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Totl iii. Unllocted Expenses iv. Operting Profit v. Provision for Tx vi. Extrordinry Items NIL NIL vii. Net Profit

171 vu; lwpuk viii. [kmokj vkflr;k d½ Vsªt+jh [k½ csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu mi tksm ³½ xsj vkcfvr vkflr;k dqy vkflr;k ix. [kmokj ns;rk, d½ Vªst+jh [k½ csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu mi tksm ³½ xsj vkcfvr ns;rk, dqy ns;rk, fvii.kh% 1- [kmokj ns;rkvks dks mudh lec) [kmokj vkflr;ks ds vuqikr es vkcfvr fd;k x;k gsa 2- pw fd Hkkjr ds ckgj dk ifjpkyu 10% dh çkjfehkd lhek ls de gs] vr% xks.k [kmokj lwpuk nsuk visf{kr ugh gsa 3- finyh vof/k ds vkdms dk O;; ds vkcvu ds vk/kkj es ifjorzu gksus ij vko';drkuqlkj iqu% fd;k x;k gsa 17. Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kk ekud & 18 ds vuqlkj lcf/kr ikfvz;ks ds çdvhdj.k lcf/kr ikfvz;ks ds uke rfkk csd ds lkfk muds lc/k eq[; izcèku dkfezd i. Jh ds vkj dker] v/;{k,o çcu/k funs'kd ii. Jh jkds'k lsbh]] dk;zikyd funs'kd iii. Jherh m"kk vurlqczáe.;u] dk;zikyd funs'kd iv. Jh,l vkj cly] dk;zikyd funs'kd ¼ ls½ vuq"kfx;k % ¼i.½ ih,uch fxyv~l fyfevsm ¼ii.½ ih,uch gkåflx Qkbusl fyfevsm ¼iii.½ itkc us'kuy csd ¼bVjuS'kuy½ fyfevsm] ;w-ds- ¼iv.½ ih,uch buoslvesv lfozlst fyfevsm ¼v½ Mªd ih,uch csd fyfevsm] HkwVku ¼vi½ ih,uch b';ksjsl czksfdx çk-fy- ¼vii½ ih,uch ykbq b';ksjsl deiuh fy-*** ¼viii½ ts,llh,lch ih,uch dtkfdlrku lg;ksxh llfkk, ¼i½,ojsLV csd fy-usiky ¼ii½ fçfliy ih,uch vlsv esustesv deiuh çk-fy- ¼iii½ fçfliy VªLVh deiuh çk-fy- ¼iv½ vlsv~l ds;j,m fjdlvª'ku,vjçkbzt fy- ¼v½ bfm;k QSDVfjx,.M Qkbusl l Y;w'ku çk-fy- ¼vi½ ih,uch esvykbq bfm;k b';ksjsl d- fy- ¼vii½ e/; fcgkj xzkeh.k csd] ivuk ¼viii½ gfj;k.kk xzkeh.k csd ¼ix½ fgekpy xzkeh.k csd] e.mh* ¼x½ itkc xzkeh.k csd ¼xi½ jktlfkku xzkeh.k csd** ¼xii½ loz ;wih xzkeh.k csd * fgekpy xzkeh.k cs d dks,d ubz llfkk fgekpy çns'k xzkeh.k csd¼,pihthch½] emh es foy; fd;k x;ka iwozorhz iozrh;k xzkeh.k cs d es,lchvkbz ds 'ks;j ¼` yk[k $ yk[k dqy :i;s yk[k½,lchvkbz dks ugh fn;s x;s gsa vr% dks ih,uch dk LVSd,pihthch] emh dh iw th es çfr'kr gs vksj,lchvkbz dk 8-58 çfr'kr gsa **gekjs cs d }kjk çk;ksftr jktlfkku xzkeh.k cs d vyoj dks,d ubz llfkk cmksnk&jktlfkksu {ks=h; xzkeh.k cs d es foy; gqvk gsa ih,uch us iwozorhz jktlfkku xzkeh.k cs d es viuh iw th ds 35 çfr'kr 'ks;j vksj 'ks;j dsfivy fmikftv vdkmv jkf'k ` yk[k ekpz 2013 es okfil ys fy, gsa ***diuh lekiu v/khu gs vksj diuh ds ikl miyc/k vkflr;ks dk 'ks"k 'ks;j/kkjdks ds chp vkcfvr fd;k x;k gsa ekuuh; mpp U;k;ky; }kjk vrr% diuh dks lekir fd;k tkuk gsa Other Informtion: viii. Segment Assets ix. ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Sub Totl e) Unllocted Assets Totl Assets Segment Libilities ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Sub Totl e) Unllocted Libilities Totl Libilities Note: 1. Segment Libilities re distributed in the rtio of their respective Segment Assets. 2. As the opertions outside Indi re less thn the threshold limit of 10%, secondry segment informtion hs not been required to be furnished. 3. Figures of the previous period hve been re-grouped / reclssified wherever necessry on chnge in bsis of lloction of expenditure. 17. Disclosure of Relted Prties s per AS 18 issued by ICAI Nmes of the relted prties nd their reltionship with the Bnk: Key Mngement Personnel: i) Shri K. R. Kmth, Chirmn & Mnging Director ii) Shri Rkesh Sethi, Executive Director iii) Ms. Ush Annthsubrmnin, Executive Director iv) Shri S.R. Bnsl, Executive Director (Since ) Subsidiries i) PNB Gilts Ltd. ii) PNB Housing Finnce Ltd. iii) Punjb Ntionl Bnk (Interntionl) Ltd., UK iv) PNB Investment Services Ltd. v) Druk PNB Bnk Ltd, Bhutn. vi) PNB Insurnce Broking Pvt Ltd. vii) PNB Life Insurnce Compny Ltd. *** viii) JSC SB PNB Kzkhstn Assocites: i) Everest Bnk Limited, Nepl. ii) Principl PNB Asset Mngement Compny Pvt. Ltd. iii) Principl Trustee Compny Privte Limited iv) Assets Cre & Reconstructions Enterprise Ltd. v) Indi Fctoring & Finnce Solutions Pvt Ltd vi) PNB Metlife Indi Insurnce CO Ltd vii) Mdhy Bihr Grmin Bnk. viii) Hryn Grmin Bnk ix) Himchl Grmin Bnk, Mndi* x) Punjb Grmin Bnk. xi) Rjsthn Grmin Bnk ** xii) Srv UP Grmin Bnk. * Himchl Grmin Bnk hs been mlgmted on into new entity Himchl Prdesh Grmin Bnk (HPGB), Mndi. Shre (` 35.00lcs lcs totl ` lcs) of SBI in erstwhile Prvtiy Grmin Bnk hs not been cpitulted to SBI. Hence, the stke of PNB is 26.42% in the cpitl of HPGB, Mndi nd tht of SBI is 8.58% s on **Rjsthn Grmin Bnk, Alwr sponsored by our Bnk hs been mlgmted into new entity Brod Rjsthn Kshetriy Grmin Bnk w.e.f PNB hs received bck its 35% shre in Cpitl nd Shre Cpitl Deposit Account in erstwhile Rjsthn Grmin Bnk in the month of Mrch, 2013 mounting to ` lcs ***The Compny is under liquidtion nd the blnce of ssets vilble with the compny hs been distributed mongst the shreholders. The compny is finlly required to be wound up by the Hon'ble High Court. 169

172 lcf/kr ikfvz;ks ls ysu nsu* ` yk[k es lcf/kr ewy** vuq"kfx;k** l;qdr eq[; eq[; izc/ku dqy ikvhz ¼LokfeRo vfkok mn~;e izc/ku dkfezd ds fu;=.k dkfezd fj'rsnkj ds vuqlkj½ 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre cdk;k cdk;k cdk;k cdk;k cdk;k cdk;k jkf'k jkf'k jkf'k jkf'k jkf'k jkf'k ikfjjfed ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh - - (58.03) ykxw ugh ykxw ugh ykxw ugh (58.03) ykxw ugh m/kkj ykxw ugh ykxw ugh ykxw ugh ykxw ugh tekjkf'k;k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) ( ) (59.37) (67.45) (0.54) (5.52) ( ) ( ) tekjkf'k;k dk fu;kstu ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) ( ) ( ) ( ) vfxze ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) ( ) ( ) ( ) 'ks;j iw th es fuos'k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh 5.79 ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) (ykxw ugh) (5.33-) ( ) (ykxw ugh) _.k i=ks es fuos'k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh xsjfuf/kd çfrc)rk, ykxw ugh ykxw ugh ykxw ugh ykxw ugh (0.00) (0.00) mihkksx dh xbz ipszt O;oLFkk, çko/kku dh xbz ipszt O;oLFkk, vpy vkflr;ks dk Ø; vpy vkflr;ks dh fcøh mihkksx dh xbz ipszt O;oLFkk, çnùk C;kt ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh 9.25 ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh (106.73) (ykxw ugh) (1.99) (ykxw ugh) (0.04) (ykxw ugh) (107.60) (ykxw ugh) çkir C;kt ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) (ykxw ugh) ( ) (ykxw ugh) lsok, çkir ykxw ugh ykxw ugh ykxw ugh ykxw ugh - ykxw ugh ykxw ugh djuk lsok, çnku djuk ykxw ugh ykxw ugh ykxw ugh ykxw ugh çc/ku lfonk ykxw ugh ykxw ugh ykxw ugh ykxw ugh (25.00) (ykxw ugh) (25.00) (ykxw ugh) çkir ykhkk'k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh (715.67) ykxw ugh (715.67) ykxw ugh * izc/ku )kjk rs;kj rfkk izekf.kr ¼dks"Bdks es fn, x, vk dm+s finys o"kz ds gs½ ** vuq"kfx;ks vksj dqn lg;ksxh llfkkvks ds lkfk gq, ysunsu dk izdvhdj.k ys[kk ekud&18 ^^lcf/kr ikvhz izdvhdj.k ^^ ds isjk 9 ds en~nsutj ugh fd;k x;k gs tks jkt; )kjk fu;f=r mn~;eks dks mudh,slh vu; lecfu/kr ikfvz;ks ls ysunsu es ls fdlh ls lecf/kr lwpuk nsus ls NwV nsrk gs tks jkt; }kjk fu;f=r gksa 170

173 Trnsnctions with Relted Prties* ` in Lcs Items/ Prent** Subsidiries** Assocites/ Jt Key Reltives of Totl Relted (s per ventures Mngement Key Prty ownership Personnel Mngement or control) Personnel Mximum Mximum Mximum Mximum Mximum Mximum mount mount mount mount mount mount outstnding outstnding outstnding outstnding outstnding outstnding Remunertion N.A N.A N.A N.A NA NA NA NA N.A N.A N.A N.A (58.03) NA NA NA (58.03) NA Borrowings N.A N.A N.A N.A Deposits N.A N.A N.A N.A ( ) ( ) (59.37) (67.45) (0.54) (5.52) ( ) ( ) Plcement of Deposits N.A N.A N.A N.A ( ) ( ) ( ) ( ) Advnces N.A N.A N.A N.A N.A N.A N.A N.A ( ) ( ) ( ) ( ) Investments in shre cpitl N.A N.A N.A N.A N.A 5.79 N.A N.A N.A N.A N.A N.A ( ) (N.A) (5.33-) ( ) (N.A) Investments in debentures N.A N.A N.A N.A N.A N.A N.A N.A Non funded Commitments N.A N.A N.A N.A (0.00) (0.00) Lesing/ HP rrngements viled Lesing/ HP rrngements provided Purchse of fixed ssets Sle of Fixed Assets Lesing/ HP rrngements viled Interest pid N.A N.A N.A N.A N.A 9.25 NA N.A N.A N.A N.A N.A (106.73) (N.A) (1.99) (NA) (0.04) (NA) (107.60) N.A Interest received N.A N.A N.A N.A N.A N.A N.A N.A N.A N.A ( ) (NA) ( ) (NA) Receiving of Services N.A N.A N.A N.A -- NA NA Rendering of services N.A N.A N.A N.A Mngement contrcts N.A N.A N.A N.A (25.00) (NA) (25.00) (NA) Dividend received N.A N.A N.A N.A N.A (715.67) N.A (715.67) N.A * As compiled nd certified by the mngement. (Figures in brckets relte to previous yer) ** The trnsctions with the subsidiries nd certin ssocites hve not been disclosed in view of pr-9 ofas-18 'Relted Prty Disclosure', which exempts stte controlled enterprises from mking ny disclosures pertining to their trnsctions with other relted prties, which re lso stte controlled. 171

174 18. iêks ds fy, ys[kkdu] ys[kk ekud &19 foùkh; iês d½ foùkh; iês ij yh xbz vkflr;ks dk ewy ewy; vksj vu; vpy vkflr;ks es lfeefyr ¼QuhZpj o fqdlpj lfgr½ ` yk[k ml ij fd, x, ewy;ºzkl dh çko/kku dh jkf'k rd `s yk[k dks vifyf[kr ewy; `s 1-00 yk[k [k½,d o"kz ls vuf/kd es U;wure lns; 'kwu; iêk Hkqxrku% x½,d o"kz ls vf/kd fdurq 5 o"kz ls vuf/kd es lns; U;wure iêk Hkqxrku% 'kwu;?k½ 5 o"kz ds ckn lns; U;wure iêk Hkqxrku% 'kwu; ³½ ifjpkyu iês 'kwu; 19- ys[kk ekud 20 : çfr 'ks;j vtzu ¼bZih,l½ en d½ ¼` es½ [k½ dj ds i'pkr~ x.kd ds :i es mi;ksx dh xbz jkf'k dj ds i'pkr ykhk ¼` gtkj es ½ x½ 'ks;jks dk vfdr ewy; ` 'ks;j ` 'ks;j?k½ ewy;oxz ds :i es mi;ksx fd, x, bfdovh 'ks;jks dh Hkkfjr vkslr l[;k 20- ys[kk ekud & 22 vk; ij djks ds lc/k es ys[kkdu csd us ys[kk uhfr l[;k 7 ds vuqlkj vklfkfxr dj vkflr;ks rfkk ns;rkvks dh igpku dh gs ftlds çeq[k?kvd fueufyf[kr gs% ¼` djksm+ es½ fooj.k dh flfkfr dh flfkfr vklfkfxr dj vkflr;k Nqêh udnhdj.k ds fy, çko/kku is'ku o minku /kkjk 43 ch ds vurxzr lkfof/kd ns;rk osru o`f) ds fy, çko/kku 'kwu; tksm vklfkfxr dj ns;rk, vpy vkflr;ks ij ewy;ºzkl tksm vklfkfxr dj vkflr;k ¼'kq)½ ` djksm+ dh vklfkfxr dj vkflr;k ykhk o gkfu [kkrs es tek dh xbz gsa 21- ys[kk ekud 23 lesfdr foùkh; fooj.kks es lg ;ksxh llfkkvks es fuos'kks ds fy, ys[kkdu pw fd csd dh viuh lg;ksxh llfkkvks es Hkkxhnkjh çñfr dk fuos'k gs vksj csd dks mudh xfrfof/k;ks ij egroiw.kz çhkko Mkyus dk vfèkdkj gs] vr% csd dh lesfdr foùkh; foofj.k;ks es,sls fuos'kks dks eku;rk nh xbz gsa 22- ys[kk ekud 25 & vrfjr foùkh; fjiksfvzx csd vius [kkrks dh Nekgh leh{kk ds ç;kstu ls Hkkjrh; fjtoz csd ifji= l- Mhch,l-,vkj,l-l- chlh fnukd 17 ebz 2001 ds vuqlkj Hkkjrh; fjtoz csd }kjk fu/kkzfjr QkesZVks dks viuk jgk gsa 18. Accounting for Leses AS 19 Finncil Leses:. Originl vlue of ssets cquired on finncil lese nd included in other fixed ssets (including furniture nd fixture): ` lkhs The mount of deprecition provided upto thereon: ` lkhs. The written down vlue s ` 1.00 on b. Minimum Lese Pyment due not NIL lter thn one yer: c. Minimum Lese Pyment due lter thn one yer but not lter thn five yers: NIL d. Minimum Lese Pyment due lter thn five yers: NIL e. Operting leses : NIL 19. AS 20 - Ernings Per Shre Item A EPS - Bsic / Diluted (In `) B Amount used s numertor Profit fter tx (` In 000) C Nominl vlue of shre ` 10/- ech ` 10/- ech D Weighted verge number of equity shres used s the denomintor 20. AS 22- Accounting for txes on Income The Bnk hs recognized deferred tx ssets nd libility s per ccounting policy no. 7. Mjor components of which re set out below: (` in crores) Prticulrs As on As on Deferred Tx Assets Provision for Leve encshment Pension & Grtuity Sttutory Libility u/s 43B Provision for wge revision NIL Totl Deferred Tx Libilities Deprecition on fixed ssets Totl Deferred Tx Assets (Net) The deferred tx ssets ` crores is credited to Profit nd Loss Account. 21. Accounting Stndrd 23- Accounting for Investments in Assocites in Consolidted finncil Sttements Since Investments of the bnk in its Assocites re prticiptive in nture nd the Bnk hving the power to exercise significnt influence on their ctivities, such Investments re recognized in the Consolidted Finncil Sttements of the Bnk. 22. Accounting Stndrd 25- Interim Finncil reporting The Bnk is dopting the formt prescribed by the RBI for the purpose of hlf yerly review of its ccounts s per RBI Circulr No. DBS.ARS.No.BC 13/ / dted 17 th My

175 23- ys[kk ekud 28 & vkflr;ks dh vklkeku;rk csd dh vkflr;ks es i;kzir fgllk foùkh; vkflr;ks dk gs ftuij ys[kk ekud 28 ^vkflr;ks dh vlkeku;rk* ykxw ugh gsa csd dh jk; es bu vkflr;ks ¼ftuij ekud ykxw gksrk gs½ dh mä ekud dh 'krz ds v/khu visf{kr igpku ds fy, 31 ekpz 2013 dks fdlh egroiw.kz lhek rd vlkeku;rk ugh gsa 24- ys[kk ekud 29 çko/kku] vkdfled ns;rk, vksj vkdfled vkflr;k i) ns;rkvks ds fy, çko/kkuks es?kv&cm+* ¼` djksm+ es½ fooj.k osru le>ksrs dh dkuwuh ckrphr ds vurxzr osru cdk;k vkdfledrk, 1 vçsy] 2012 dks 'ks"k vof/k ds nksjku çko/kku vof/k ds nksjku ç;qä jkf'k;k 0-06 'kwu; vof/k ds nksjku iyvk x;k 'kwu; ekpZ 2013 dks 'ks"k dk le; oklrfod Hkqxrku gksus ij ij cfgokzg *vu; ds fy, çko/kku dks NksM+dj ii) vkdfled ns;rkvks ij vuqlwph & 12 ns[ks % Øe l[;k ¼I½] ¼II½] ¼III½] ¼IV½] ¼V½ o ¼VI½ dh,slh ns;rk, le>ksrks ds fu"d"kksz] vihyks dks fuivku] ekxh tk jgh jkf'k] lfonkxr nkf;roks dh 'krksz] lc) ikfvz;ks }kjk dh x;h ek xks ij Øe'k% vkfjr gsa,sls ekeyks es dksbz ns;rk çr;kf'kr ugh gsa 25- ykhk o gkfu [kkrs es O;; 'kh"kz ds vurxzr n'kkz;s x;s ^^çkoèkku o vkdfledrk** dk fooj.k fueufyf[kr gs% ¼` djksm+ es½ en fuos'kks ij ewy;ºzkl gsrq çko/kku ¼'kq)½ vutzd vkflr;ks ds fy, çko/kku ¼'kq)½ vutzd vkflr;ks ds fy, yksfvx çko/kku 'kwu; 'kwu; ¼Hkkjrh; fjtoz cs d ds çko/kku lc/kh ekun.mks ds vykok½ ekud vkflr;ks ds fy, çko/kku vk;dj ds fy, çko/kku ¼,QchVh vksj èkudj lfgr½ vu; çko/kku vksj vkdfledrk,% fooj.k ekud iqu%ljfpr dh fcøh cês [kkrs Mkys x;s vksj vu; tksm yksfvx çko/kkuks dk fooj.k fueufyf[kr gs% ¼` djksm+ es½ fooj.k dks izkjfehkd 'ks"k o"kz ds nksjku fd, x, yksfvx çko/kkuks dh jkf'k 'kwu; 'kwu; o"kz ds nksjku vkgj.k }kjk dh xbz deh ¼Mªk MkÅu½ dh jkf'k vksj mís'; 'kwu; 'kwu; dks bfr'ks"k AS 28 - Impirment of Assets A substntil portion of the bnk's ssets comprise of 'finncil ssets' to which Accounting Stndrd 28 'Impirment of Assets' is not pplicble. In the opinion of the bnk, there is no impirment of its ssets (to which the stndrd pplies) to ny mteril extent s t requiring recognition in terms of the sid stndrd. 24. AS-29 Provisions, Contingent Libilities nd Contingent Assets i) Movement of provisions for libilities* (` in crores) Prticulrs Slry rrers Legl cses/ under continnegotition gencies Blnce s t 1 st April Provided during the period Amounts used during the period 0.06 NIL Reversed during the period NIL Blnce s t Timing of outflow/uncertinties On ctul Outflow on pyment settlement / crystlliztion * Excluding provisions for others ii) Refer Schedule-12 on contingent libilities Such libilities t S.No.(I), (II), (III), (IV), (V) & (VI) re dependent upon the outcome of Court / rbitrtion / out of court settlement, disposl of ppels, the mount being clled up, terms of contrctul obligtions, devolvement nd rising of demnd by concerned prties, respectively. No libility is expected in such cses. 25. Brek up of Provisions nd Contingencies shown under the hed Expenditure in Profit nd Loss Account is s follows (` in crores) Item Provisions for deprecition on investment (net) Provision towrds NPAs (net) Floting provisions for NPAs (over nd bove RBI NIL NIL provisioning norms) Provision towrds Stndrd Assets Provision mde towrds Income Tx (including FBT & Welth Tx) Other Provision nd Contingencies: Detil: Stndrd Restructured/ Sle to SC/RC Written off & others Totl Brek-up of Floting Provisions is s follows (` in crores) Prticulrs Opening blnce s on / Quntum of floting provisions mde during the yer NIL NIL Purpose nd mount of drw down mde during the yer NIL NIL Closing blnce s on /

176 27- çkjf{kr fuf/k ls jkf'k fudkyuk% (` yk[k es) Øe- izkjf{kr fufèk fudkyh mís'; l- xbz jkf'k 1- vu; çkjf{kr fuf/k;k rd dh vof/k ds fy, vr% 'kk[kk ØsfMV ds vo#) [kkrs ds fy, o"kz ds nksjku fd;k x;k Hkqxrku 2- iquezwy;u izkjf{kr lifrr ds equewzy;u okys Hkkx ij fufèk ewy;gzkl 28- f'kdk;rks vksj csfdx yksdiky ds vf/kfu.kz;ks dks fø;kfuor u djus ds lecu/k es çdvhdj.k % # d- xzkgd f'kdk;rs d½ o"kz ds vkjehk es yfecr f'kdk;rks dh l[;k 301 [k½ o"kz ds nksjku çkir f'kdk;rks dh l[;k x½ o"kz ds nksjku fuivkbz xbz f'kdk;rks dh l[;k 54610?k½ ekpz] 2013 ds vr es yfecr f'kdk;rks dh l[;k 236* * lhkh f'kdk;rks dk fuivku gks pqdk gsa [k- csfdx yksdiky }kjk fn, x, vf/kfu.kz; d½ o"kz ds vkjehk es ykxw u fd, x, vf/kfu.kz;ks dh l[;k 'kwu; [k½ o"kz ds nksjku csfdx yksdiky }kjk ikfjr vf/kfu.kz;ks dh l[;k 14 x½ o"kz ds nksjku ykxw fd, x, vf/kfu.kz;ks dh l[;k 14?k½ ekpz] 2013 ds vr es ykxw u fd, x, vf/kfu.kz;ks dh l[;k 'kwu; 29- cs d us ;wukbvsm fdxme es fu;=d Qkbus f'k;y lfozflt vfkksfjvh ¼,Q,l,½ dks ;w-ds- flfkr viuh vuq"kxh itkc us'kuy cs d ¼bUVjuS'kuy½ fyfevsm ds lecu/k es,d pqdksrh vk'oklu i= tkjh fd;k gs ftles bl ckr dk vk'oklu fn;k x;k gs fd ;fn itkc us'kuy cs d ¼bUVjuS'kuy½ fyfevsm] ;w dss viuh foùkh; çfrc)rk, iwjh u dj ik;k rks cs d mls foùkh; lgk;rk çnku djsxka cgjgky] 31 ekpz] 2013 dh flfkfr ds vuqlkj,slh fdlh foùkh; çfrc)rk dh flfkfr ugh mhkjh gs A 30- csd }kjk çkjehk fd, x, csd,';ksjsl dkjksckj ds lecu/k es çdvhdj.k (` djksm+ es) ds chp csd,';ksjsl dkjksckj ds lecu/k es ds :i çkir jkf'k dk fooj.k (i) thou chek dkjksckj (ii) xsj thou chek dkjksckj tksm I. tek jkf'k;ks] vfxzeks] _.k tksf[keks vksj vutzd vkflr;ks dk l?kurk% ¼d½ tek jkf'k;ks dh l?kurk ¼jkf'k ` djksm+ es½ lcls cm+s tekdùkkzvks dh dqy tek jkf'k csd dh dqy tek jkf'k dh rqyuk es 5-94% 7-92% 20 lcls cm+s tekdrkzvks dh tek jkf'k dk % ¼[k½ vfxzeks dk l?kurk ¼jkf'k ` djksm+ es½ lcls cm+s _f.k;ks ds dqy vfxze csd ds dqy vfxzeks dh rqyuk es 20 lcls cm+s _f.k;ks ds vfxzeks dk % 16-44% 15-73% 27. Drw Down from Reserves: Sr. Reserves Amount Purpose No. drwn (` in Lcs) 1. Other Pyment mde during the yer for Blocked reserves Account of Inter Brnch Credit entries pertiningto the period up to Revlution Deprecition on revlued reserves portion of property. 28. Disclosure of complints nd unimplemented wrds of bnking Ombudsmn. Customer Complints () No. of complints pending t the beginning of the yer 301 (b) No. of complints received during the yer (c) No. of complints redressed during the yer (d) No. of complints pending t the end of Mrch * * All complints stnd resolved. b. Awrds pssed by the Bnking Ombudsmn () No. of unimplemented Awrds t the beginning of the yer NIL (b) No. of Awrds pssed by the bnking Ombudsmn during the yer 14 (c) No. of Awrds implemented during the yer 14 (d) No. of unimplemented Awrds t the end of Mrch 2013 NIL 29. The Bnk hs issued Letter of Comfort in respect of its subsidiry Punjb Ntionl Bnk (Interntionl) Ltd. in UK, to Finncil Services Authority (FSA), the regultor in United Kingdom, committing tht the bnk shll provide finncil support to Punjb Ntionl Bnk (Interntionl) Ltd., UK so tht it meets its finncil commitments if they fll due. However, no finncil obligtion hs risen s on 31st Mrch Disclosure in respect of Bncssurnce Business undertken by the bnk: (` in crores) Detils of fees/remunertion received in respect of Bncssurnce Business undertken by the bnk during the yer ended / (i) Life Insurnce Business: (ii) Non-life Insurnce Business: TOTAL I. Concentrtion of Deposits, Advnces, Exposures nd NPAs: () Concentrtion of Deposits: (` in crores) Totl Deposits of twenty lrgest depositors Percentge of Deposits of twenty lrgest depositors 5.94% 7.92% to Totl Deposits of the bnk (b) Concentrtion of Advnces: (` in crores) Totl Advnces of twenty lrgest borrowers Percentge of Advnces of twenty lrgest borrowers to Totl Advnces of the bnk 16.44% 15.73% 174

177 ¼x½ _.kks dk l?kurk ¼jkf'k ` djksm+ es½ lcls cm+s dks fn;k x;k dqy _.k csd ds dqy _.k dh rqyuk es % 20 lcls cm+s dks iznrr _.k dk % ¼?k½ vutzd vkflr;ks dk l?kurk ¼jkf'k ` djksm+ es½ lokszpp vutzd vkflr [kkrks es dqy _.k ¼³½ izkoèkkuhdj.k dojst vuqikr ¼jkf'k ` djksm+ es½ izkoèkkuhdj.k dojst vuqikr 58-83% 62-73% II. {ks=okj vutzd vkflr;k Øe {ks= ml {ks= es dqy vfxzeks l- dh rqyuk es vutzd vkflr;ks dk izfr'kr Ñf"k,o lgk;d xfrfofèk;k mn~;ksx ¼O;f"V,o y?kq] eè;e vksj cm+s½ lsok, O;fDrxr _.k III. vutzd vkflr;ks es?kv&c<+ ¼jkf'k ` djksm+ es½ fooj.k vçsy dks ldy vutzd vkflr;k ¼çkjfEHkd 'ks"k½ o"kz ds nksjku o`f) ¼u;h vutzd vkflr;k ½ mi tksm+ ¼v½ ?kVk, % (i½ ntkz c<+k (ii½ olwyh ¼ftu [kkrks dk ntkz c<+k mues gqbz olwyh dks NksM+dj½ (ii½ cês [kkrs Mkys x, mi tksm+ ¼vk½ ekpz dks ldy vutzd vkflr;k ¼vfUre 'ks"k½ ¼v&vk½ IV. fons'k flfkr vkflr;k ] vutzd vkflr;k vksj jktlo ¼jkf'k ` djksm+ es½ fooj.k dqy vkflr;k dqy vutzd vkflr;k dqy jktlo V. rqyui= ds vykok çk;ksftr fo'ks"k ç;kstu ek/;e ¼ftudk ys[kkdu ekun.mks ds vuqlkj lesdu visf{kr gs½ çk;ksftr fo'ks"k ç;kstu ek/;e dk uke ns'k es 'kwu; fons'k flfkr 32- ØsfMV dkmz vksj MsfcVdkMZ /kkjdks dks iqjldkj vd i) tc dhkh ih,uch Xykscy ØsfMV vksj MsfcVdkMZ /kkjd vius ØsfMV dkmz vksj MsfcV dkmz dk ç;ksx djds [kjhnnkjh djrs gs rks mugs iqjldkj ds vd çnku fd;s tkrs gsa ;s vd mugs rc feyrs gs tc os fdlh O;kikfjd llfkk ij ØsfMV vksj MsfcV 'kwu; (c) Concentrtion of Exposures:: (` in crores) Totl Exposures of twenty lrgest borrowers/customers Percentge of Exposures to twenty lrgest % borrowers/customers to Totl Exposures of the bnk on borrowers/customers (d) Concentrtion of NPAs: (` in crores) Totl Exposure to top four NPA ccounts (e) Provisioning Coverge Rtio (` in crores) Provisioning Coverge Rtio 58.83% 62.73% II. Sector-wise NPAs: S. Sector Percentge of NPAs to No. Totl Advnces in tht sector Agriculture & llied ctivities Industry (Micro & smll, Medium nd Lrge) Services Personl Lons III. Movement of NPAs: (` in crores) Prticulrs Gross NPAs s on01st April (opening blnce) Additions (Fresh NPAs) during the yer Sub-totl (A) Less: (i) Upgrdtions (ii) Recoveries (excluding recoveries mde from upgrded ccounts) (iii) Write-offs Sub-totl (B) Gross NPAs s on31st Mrch (closing blnce) (A-B) IV. Overses Assets, NPAs nd Revenue: (` in crores) Prticulrs Totl Assets Totl NPAs Totl Revenue V. Off-blnce sheet SPVs sponsored (which re required to be consolidted s per ccounting norms) Domestic NIL Nme of the SPV sponsored Overses 32. Rewrd Points of Credit Crd nd Debit Crd i) PNB Globl Credit & Debit Crdholders re rewrded s nd when they mke purchse through usge of Credit & Debit Crd. Rewrd Points re generted t the time of usge of Credit & Debit Crd by Crdholder t Merchnt NIL 175

178 dkmz dk ç;ksx djrs gsa dkmz/kkjd bu vdks dks,df=r dj ldrk gsa iqjldkj vdks ds dkj.k ns; jkf'k dks ykhk o gkfu [kkrs es çhkkfjr fd;k tkrk gs vksj nsfud vk/kkj ij fofhkuu~ çko/kku [kkrs es ØsfMV fd;k tkrk gs D;ksfd ;g jkf'k ifjek.k ;ksx; gksrh gsa cdk;k iqjldkj vdks rfkk muds lc/k es fd, x, çko/kku dh flfkfr fueufyf[kr gs% fooj.k dks dks cdk;k iqjldkj vdks dk 'ks"k bu vdks ds fy, fd;k x;k izkoèkku ¼` yk[k es½ ii) ykw;yvh iqjldkj vd& MsfcV dkmz ls lcf/kr cdk;k iqjldkj vdks vksj mu ij çko/kku dh flfkfr fueuor~ gs%& fooj.k dks dks ykw;yvh iqjldkj vdks dk 'ks"k iqjldkj vdks ds fy, fd;k x;k çko/kku ¼` yk[k es ½ foùkh; o"kz 2012&13 ds nksjku dksbz,lth,y ugh udkjk x;ka 34- vu; fviif.k;k ¼d½ Hkkjrh; fjtoz csd ds ekxzfunsz'kks ds vuqlkj csd us rd dh 5 o"kz ls vf/kd dh cdk;k vr% 'kk[kk ØsfMV çfof"v;ks dh jkf'k dks vo:) [kkrs es vrfjr djus ds fy, dk;z fd;k gsa rnuqlkj ` djksm+ dh jkf'k ¼fd, x, lek;kstu ds ckn dh 'kq) jkf'k½ dks vuqlwph 5 es ^vu; ns;rk, & vu;* 'kh"kz ds vurxzr vyx ls n'kkz;k x;k gsa o"kz 2012&13 ds nksjku vr% 'kk[kk vo:) tek çfof"v;ks rfkk lkeku; çkjf{kr fuf/k;ks dks vrfjr #i;s yk[k ds lecuèk es çkir gq, ` yk[k dh jkf'k lkeku; çkjf{kr fuf/k;ks ls vrfjr dh xbz rfkk 'ks"k ` yk[k dh jkf'k ykhk o gkfu [kkrs dks MsfcV dh x;h A ¼[k½ ` 4-71 djksm+ ¼ewY;ºzkl?kVkdj½ ¼fiNys o"kz ` djksm+½ ¼ykxr 7-88 djksm+½ ¼fiNys o"kz djksm+½ dh jkf'k dh leifùk lesr ifjljks ds fy, VkbVy MhM~l dk ithdj.k fd, tkus dh çrh{kk gsa ifjljks es ` djksm+ ¼fiNys o"kz ` djksm+½ dk iw thxr çxfr dk;z lfeefyr gsa ¼x½ ` djksm+ ¼fiNys o"kz djksm #i;s½ dh fookfnr vk;dj ekx rfkk vuq"kxh ykhk dj ekxks gsrq dksbz çko/kku djuk vko';d ugh le>k x;k D;ks fd csd dh jk; es rfkk fu/kkzj.k vf/kdkjh }kjk fd, x, os/k ugh gs rfkk blij fo'ks"kkks dh jk;,o csd dh vihyks ij gq, fu.kz;ks dk Hkh vuqlefkzu gsa bu fookfnr ekxks ds lnhkz es ` djksm+ ¼fiNys o"kz ` djksm+½ dk Hkqxrku fd;k x;ka ¼?k½ csd us o"kz ds nksjku lsch fofu;eu 2009] le; ij ;Fkk l'kksf/kr ¼lsch vkbzlhmhvkj fofu;eu ds v/;k; VII dh 'krkzuqlkj emy }kjk ;Fkk fu/kkzfjr ` çfr 'ks;j ds vfdr ewy; okys vf/keku;r% vk/kkj ij ` çfr 'ks;j ds çhfe;e ij bfdovh 'ks;j Hkkjr ljdkj dks vkcfvr fd, gsa ifj.kkelo:i csd dks ` 1248 djksm+ çkir gq, ftles ` djksm+ bfdovh iw th vksj Estblishment. Crd holder cn redeem the ccumulted rewrd points. The mount pyble on ccount of rewrd points is chrged to Profit nd Loss ccount nd credited to Sundry Provision Account on dily bsis becuse such mount is quntifible. Position of outstnding rewrd points nd provision thereon re s under: Prticulrs As on As on Blnce Rewrd Points outstnding Provision held for these points ( ` Lcs) ii) Position of outstnding rewrd points nd provision thereon regrding Loylty Rewrd Points- Debit Crds re s under: Prticulrs As on As on Blnce of loylty rewrd points Provision held ginst rewrd points (` Lcs) No SGLs were bounced during the finncil yer Other Notes. As per RBI guidelines, the Bnk hs worked out the mount of inter Brnch Credit entries outstnding for more thn 5 yers, pertining to the period up to , to be trnsferred to Blocked Account. Accordingly, sum of ` crores (net of djustments since crried out) hs been included under "Other Libilities-others" in schedule-5. Clims of ` lc hs been received during the yer ginst Inter Brnch Credit entries Blocked nd trnsferred to Generl Reserve.This hs been met by trnsfer from Generl Reserve ` lc nd ` to debit of Profit nd Loss Account. b. Premises include properties mounting to ` 4.71 crores (Net of Deprecition) (previous yer `10.86 crores) {` 7.88 crores} (previous yer `16.01 crores) re witing registrtion of title deeds. Premises include cpitl work in progress of ` crores (previous yer ` crores). c. No provision is considered necessry in respect of disputed Income Tx nd Fringe Benefit Tx demnds of ` crores (previous yer ` crore) s in the bnk's view, duly supported by expert opinion nd/or decision in bnk's own ppels on sme issues, dditions / disllownces mde re not sustinble. Aginst these disputed demnds, ` crores (previous yer ` crores) hs been pid. d. During the yer the bnk hs llotted equity shres of `10/- ech to Govt of Indi t premium of ` per shre s determined by the Bord in terms of the Chpter VII of the SEBI Regultions, 2009, s mended from time to time (the "SEBI ICDR Regultions") on preferentil bsis. The totl mount received by the bnk on this ccount is ` 1248 crores which includes ` crores s equity cpitl nd ` crores s 176

179 ` djksm+ çhfe;e ds :i es gsa QyLo:i vf/keku; vkcvu ls iwoz ljdkj dh 'ks;j/kkfjrk çfr'kr dh rqyuk es vc çfr'kr gsa ¼³½ olwfy;ks ds lek;kstu ls lecfu/kr uhfr es ifjorzu ds dkj.k foùkh; çhkko % 01 tuojh 2013 ls csd us vutzd [kkrks ls dh xbz olwfy;ks ds lek;kstu es çkfkfedrk ds dkj.k viuh uhfr es ifjorzu fd;k gs ftlds QyLo:i dqy vutzd [kkrks es ] lkfk gh lkfk foùkh; o"kz ds ykhk es ` djksm dh deh gqbz gsa ¼p½ funs'kd e.my us ` ds çr;sd bfdovh 'ks;j ij ` dk ykhkk'k?kksf"kr fd;k gs c'krsz fd lnl;ks }kjk mldk vuqeksnu dj fn;k tk;s ¼cSd dh pqdrk iw th dk 270 çfr'kr½ 35- çfrhkwfrdj.k ls lecfu/kr çdvhdj.k çfrhkwr vkflr;ks dh cdk;k jkf'k Ø- fooj.k l[;k l- ` djksm+ 1- çfrhkwfrdj.k ysu&nsuks ds fy, csd }kjk çk;ksftr,lihoh dh l[;k 'kwu; 2- csd }kjk çk;ksftr,lihoh dh cfg;ks ds vuqlkj çfrhkwr vkflr;ks 'kwu; dh dqy l[;k 3- rqyu i= dh frffk dks,evkjvkj dh vuqikyuk es csd }kjk jksds x, _.kks dh dqy jkf'k d½ rqyu i= ckg~; _.k 'kwu; izfke gkfu vu; [k½ vkwu rqyu i= _.k izfke gkfu vu; 4,evkjvkj ls fhkuu çfrhkwfr dj.k ysu&nsuks ds çfr _.k jkf'k d½ rqyu i= ckg~; _.k 'kwu; i) Lo; izfrhkwfrdj.k ls lecfuèkr _.k izfke gkfu gkfu ii) vu; i{k izfrhkwfrdj.k ls lecfuèkr _.k izfke gkfu vu; [k½ vkwu rqyui= _.k 'kwu; i) Lo; izfrhkwfrdj.k ls lecfuèkr _.k izfke gkfu vu; ii) vu; i{k izfrhkwfrdj.k ls lecfuèkr _.k izfke gkfu vu; * cdk;k çfrhkwfrdj.k ysu&nsuks ls lecfu/kr,lihoh gh ;g lwfpr fd;s tk,a 36- ØsfMV fmqkyv LoSi pw fd csd lhmh,l lfonkvks ds ewy;u gsrq dksbz LokfeRo ewy; e My dk ç;ksx ugh djrk vksj ;g dkmvj lfonk ¼vksVh,l½ ij gs] vr% ewy; dk fu/kkzj.k xfreku cktkj }kjk gksrk gsa vr% orzeku Hkkjrh; fjt+oz csd dh 'krkzuqlkj dksbz çdvhdj.k ugh fd;k tkuk gsa 37- tgk dgh vko';d gs ogk finys o"kz ds vkdmks dk fd;k x;k gsa premium. Consequently the Government holding is now 57.87% s compred to 56.10% before preferentil llotment. e. Finncil impct due to chnge in the policy regrding pproprition of recoveries: With effect from 1st Jnury '2013 the bnk hs chnged its policy in the order of priority in ppropriting of recoveries mde from Non -Performing ccounts, resulting reduction of ` crore in gross Non-Performing ccounts s well s in profit for the finncil yer. f. The Bord of Directors hs recommended dividend of ` 27/- per equity shre of ` 10 ech (270% of the pid up cpitl of the bnk), subject to pprovl by members. 35. Disciosures relting to Securitistion Outstnding Amount of Securitised Assets: S. Prticulrs No./ No ` crore 1. No of SPVs sponsored by the bnk for securitistion trnsctions* NIL 2. Totl mount of securitised ssets s per books of the SPVs NIL sponsored by the bnk 3. Totl mount of exposures retined by the bnk to comply with MRR s on the dte of blnce sheet ) Off-blnce sheet exposures NIL First loss Others b) On-blnce sheet exposures First loss Others 4 Amount of exposures to securitistion trnsctions other thn MRR ) Off-blnce sheet exposures NIL i) Exposure to own securitiztions First loss Loss ii) Exposure to third prty securitistions First loss Others b) On-blnce sheet exposures NIL i) Exposure to own securitistions First loss Others ii) Exposure to third prty securitistions First loss Others *Only the SPVs relting to outstnding securitistion trnsctions my be reported here 36. Credit Defult Swps Since the Bnk is not using ny proprietry pricing model for pricing CDS contrcts, nd it is over the counter contrct (OTS ), the price is determined by the mrket dynmics..as such no disclosure is to be mde in terms of extnt RBI guidelines. 37. Figures of the previous yer hve been regrouped / rerrnged/ reclssified wherever necessry. 177

180 ekpz] 2013 dks lekir o"kz ds rqyui= ds lkfk lyxu udnh çokg fooj.k&i= CASH FLOW STATEMENT ANNEXED TO THE BALANCE SHEET FOR THE YEAR ENDED 31ST MARCH 2013 (` 000) (` 000) fooj.k Prticulrs v- ifjpkyu dk;zdykiks ls udnh çokg A. Csh Flow from Operting Activities (I) dj ds i'pkr~ 'kq) ykhk Net Profit fter Tx 47,476,714 48,842,044 tksfm+, % dj ds fy, çko/kku ¼vkLFkfxr dj dks NksM+dj½ Add: Provision for Tx (net of deferred tx) 17,740,908 21,528,377 djks ls iwoz ykhk Profit before tx ( i ) 65,217,622 70,370,421 (ii) fueufyf[kr ds fy, lek;kstu % Adjustment for : vpy vkflr;ks ij ewy;ºzkl Deprecition on Fixed Assets 3,391,776 3,134,902?kVkb, % iquzewy;kdu çkjf{kr fuf/k ls vkgfjr jkf'k Less : Amount drwn from Revlution Reserve (206,733) (212,301) vutzd vkflr;ks ds fy, çko/kku Provisions for non performing ssets 33,363,928 23,977,073 ekud vkflr;ks ij çko/kku Provision on Stndrd Assets 8,742,507 8,480,650 fuos'kks ¼'kq)½ ij cv~vk [kkrk] çko/kku Deprecition/ (Relese), Write off, Provision on Investments (net) 303,350 2,391,278 vu; çko/kku ¼'kq)½ Other Provisions (net) 1,446, ,482 ls ykhkk'k ¼fuos'k dk;zdyki½ Dividend from Subsidiry / Others (Investing Activity) (170,170) (261,147) c.mks ls C;kt ¼foÙkh; dk;zdyki½ Interest on Bonds (Finncing Activity) 9,674,516 9,944,703 vpy vkflr;ks dh fcøh ls ¼'kq)½ Profit / Loss on sle of Fixed Assets (net) (25,900) (42,495) ( ii ) 56,519,575 48,336,145 ifjpkyu vkflr;ks o ns;rkvks es ifjorzuks ls iwoz ifjpkyu ykhk Operting Profit before Chnges in Operting Assets nd Libilities ( i+ii) 121,737, ,706,566 (iii) ifjpkyu vkflr;ks o ns;rkvks es 'kq) ifjorzu ds fy, lek;kstu Adjustment for net chnge in Operting Assets nd Libilities fuos'kks es Decrese / (Increse) in Investments (70,776,901) (275,617,895) vfxzeks es Decrese / (Increse) in Advnces (182,868,447) (540,711,883) vu; vkflr;ks es Decrese / (Increse) in Other Assets (4,718,180) (12,941,742) tekjkf'k;ks es Increse / (Decrese) in Deposits 119,715, ,897,526 m/kkjks es ½ Increse / (Decrese) in Borrowings 26,516,541 56,745,800 vu; ns;rkvks o çko/kkuks es ½ Increse / (Decrese) in Other Libilities & Provisions (13,557,374) 2,664,192 (iii) (125,688,519) (102,964,002)

181 (` 000) (` 000) fooj.k Prticulrs ifjpkyuks ls mriuu udnh Csh generted from Opertions ( i+ii+iii) (3,951,322) 15,742,564 çnùk dj ¼okilh dks NksM+dj½ Tx Pid (net of refund ) (14,915,808) (23,854,735) ifjpkyu dk;zdykiks ls 'kq) udnh Net Csh used in Operting Activities ¼v½( A ) (18,867,130) (8,112,171) vk- fuos'k dk;zdykiks ls ¼iz;qDr½ udnh çokg B. Csh flow from (used in) Investing Activities vpy vkflr;ks dh [kjhn ¼fcØh dks NksM+dj½ Purchse of Fixed Assets (net of Sles) (5,254,039) (3,725,057) m csdks ls çkir ykhkk'k Dividend recd from Subsidiries / JV / RRBs 170, ,147 m {ks-xzk- csdks es fuos'k Investment in Subsidries / JV / RRBs (1,424,613) (1,459,499) fuos'k dk;zdykiks es ç;qä 'kq) udnh Net Csh used in investing Activities ¼vk½ ( B ) (6,508,482) (4,923,409) b foùkh; dk;zdykiks ls ¼iz;qDr½ udnh çokg C. Csh flow from (used in) Finncing Activities 'ks;j iw th tkjh djuk ¼çhfe;e lfgr½ Issue of Shre Cpitl (incl. Premium) 12,480,001 22,449,056 ck.m ¼Vh;j&A o Vh;j&AA½ Issued (Redemption) of Bonds (Tier I & Tier II) (2,950,000) - c.mks ij çnùk C;kt ¼Vh;j&A o Vh;j&AA½ Interest pid on Bonds (Tier I & Tier II) (9,674,516) (9,944,703) ykhkk'k dk Hkqxrku ¼ykHkk'k ij dj lfgr½ Pyments of Dividends ( incl.tx on Dividend) 8,593,618 (8,100,554) foùkh; dk;zdykiks ls 'kq) udnh Net Csh from Finncing Activities ¼b½ ( C ) 8,449,103 4,403,799 bz- udnh rfkk udnh rqy;ks es 'kq) ifjorzu D. Net Chnge in Csh nd Csh Equivlents ¼v+vk+b½ ( A+B+C ) (16,926,509) (8,631,781) o"kz ds vkjehk es udnh rfkk udnh rqy; Csh nd Csh Equivlents t the beginning of the yer udnh vksj Hkkjrh; fjt+oz csd ds ikl 'ks"k Csh nd Blnces with Reserve Bnk of Indi 184,928, ,768,960 csdks ds ikl 'ks"k vksj ek x o vyi lwpuk ij çki; /ku Blnces with Bnks & Money t Cll & Short Notice 103,351, ,280,335 59,143, ,912,116 o"kz ds vr es udnh rfkk udnh rqy; Csh nd Csh Equivlents t the end of the yer udnh vksj Hkkjrh; fjt+oz csd ds ikl 'ks"k Csh nd Blnces with Reserve Bnk of Indi 178,862, ,928,960 csdks ds ikl 'ks"k vksj ek x o vyi lwpuk ij çki; /ku Blnces with Bnks & Money t Cll & Short Notice 92,491, ,353, ,351, ,280,335 (16,926,509) (8,631,781) 179

182 fvii.kh % Notes :- 1- çnùk çr;{k djks ¼okilh dks NksM+dj½ dks ifjpkyu dk;zdykiks ls mn~hkwr ekuk x;k gs rfkk bugs fuos'k rfkk foùkh;u dk;zdykiks ds e/; fohkä ugh fd;k x;k gs A 1. Direct txes pid (net of refund) re treted s rising from operting ctivities nd re not bifurcted between investing nd finncing ctivities. 2-?kVk es fn, x, lhkh vkdm+s ßudnh ckáß n'kkzrs gs A 2. All figures in minus represents Csh Out Flow Vh ds ckyeqdqunu vkj vkj owjs oh ds [kuuk,l vkj cly m"kk vurlqczã.;u jkds'k lsbh lgk;d egkçcu/kd mi egkçcu/kd egkçcu/kd dk;zikyd funs'kd dk;zikyd funs'kd dk;zikyd funs'kd T K BALAMUKUNDAN R R VOORE V K KHANNA S R BANSAL USHA ANANTHASUBRAMANIAN RAKESH SETHI ASSTT. GENERAL MANAGER DY. GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR ds-vkj- dker v/;{k,o çcu/k funs'kd K R KAMATH CHAIRMAN & MANAGING DIRECTOR vuqjkx tsu,u,l fo'oukfku ch ch pks/kjh,e, vrqys Vh lh >ykuh,e,u xksihukfk Mh ds flxyk Mk- lquhy xqirk funs'kd funs'kd funs'kd funs'kd funs'kd funs'kd funs'kd funs'kd ANURAG JAIN N S VISHWANATHAN B B CHAUDHRY M A ANTULAY T C JHALANI M N GOPINATH D K SINGLA Dr. SUNIL GUPTA DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR s s s d`rs cksjdj,m etwenkj d`rs th,l ek/ko jkvks,m deiuh d`rs fqyhiksl,m deiuh d`rs ds,u xqvxqfv;k,m deiuh d`rs lh oh ds,m,lksfl,v~l d`rs jes'k diwj,m deiuh lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj For Borkr & Muzumdr For G S Mdhv Ro & Co. For Phillipos & Co. For K N Gutguti & Co. For CVK & Assocites For Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts ¼jkts'k lh ckfke½ ¼th ekf.kd; çlkn½ ¼lh,p Jh/kju½ ¼ch vkj xks;y½ ¼, ds ç/kku½ ¼jes'k diwj½ lk>snkj lk>snkj lk>snkj lk>snkj lk>snkj lk>snkj lnl; l ],Qvkj,u MCY;w lnl; l ],Qvkj,u ,l lnl; l ],Qvkj,u ,l lnl; l ,Qvkj,u b lnl; l ,Qvkj,u MCY;w lnl; l ,Qvkj,u ,u (Rjesh C Bthm) (G Mniky Prsd) (C H Sreedhrn) (B R Goyl) (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Prtner Prtner Prtner Prtner M No , FRN W M No , FRN S M No , FRN S M No , FRN E M No , FRN W M No , FRN N LFkku /Plce: ubz fnyyh/new Delhi fnukd /Dte:

183 ys[kkijh{kdks dk Lor= çfrosnu lsok es Hkkjr ds jk"vªifr foùkh; foojf.k;ks ij fjiksvz 1- geus itkc us'kuy csd dh 31 ekpz] 2013 dh lyxu foùkh; foojf.k;ks dh ys[kk ijh{kk dh gs ftles 31 ekpz] 2013 ds rqyu i= vksj ykhk o gkfu fooj.kh rfkk rrlc/kh lekir1 o"kz ds udnh çokg fooj.k rfkk egroiw.kz ys[kkdu uhfr;ks dk lkj,o vu; foospukred lwpuk lfeefyr gs A bu foùkh; foojf.k;ks es gekjs }kjk ys[kk ijhf{kr 20 'kk[kkvks dh] 'kk[kk ys[kkijh{kdks }kjk v fmv dh xbz 2404 'kk[kkvks dh ¼1 v Q'kksj csfdx ;wfuv rfkk 71 vu; dk;kzy;ks ½ rfkk LFkkuh; ys[kk ijh{kdks }kjk ys[kk ijhf{kr 4 fons'kh 'kk[kkvks dh foojf.k;k 'kkfey gs A gekjs }kjk v fmv dh xbz vksj vu; ys[kk ijh{kdks }kjk v fmv dh xbz 'kk[kkvks dk p;u csd }kjk ys[kk ijh{kk ds fy, Hkkjrh; fjtoz csd }kjk tkjh ekxzfunsz'kks ds vuqlkj fd;k gs A rqyu i= es rfkk ykhk o gkfu fooj.kh es 3507 'kk[kkvks dh fjvuz Hkh lfeefyr gs ftudk v fmv ugh gqvk gsa bu xsj ys[kk ijhf{kr 'kk[kkvks dhs vfxzeks es 8-94 çfr'kr] tekjkf'k;ks es çfr'kr] C;kt vk; es 6-58 çfr'kr rfkk C;kt O;; es çfr'kr v'k gsa foùkh; fooj.kks ds fy, çc/ku dk nkf;ro 2- csddkjh fofu;eu vf/kfu;e 1949 ds vuqlkj bu foùkh; fooj.kks dks rs;kj djus ds fy, çc/ku dk nkf;ro gs A bl nkf;ro es foùkh; fooj.k tks egroiw.kz xyr fooj.k] pkgs /kks[kk/km+h vfkok pwd ds dkj.k gks] ls eqä gs] rs;kj djus ls lcf/kr vkrfjd fu;=.k ds j[kj[kko] fmtkbu vksj ykxw djuk 'kkfey gs A ys[kkijh{kdks dk nkf;ro 3- gekjk nkf;ro bu fooj.k i=ks ij gekjs }kjk dh xbz ys[kk ijh{kk ds vkèkkj ij er çdv djus rd gs A geus bulvhv~;wv v Q pkvzm,dkmvsuv~l v Q bfm;k }kjk tkjh ys[kk ijh{kk ij tkjh ekudks ds vuqlkj ys[kkijh{kk dh gs A ;s ekud vis{kk djrs gs fd ge usfrd vko';drkvks dk vuqikyu djs vksj ge ys[kk ijh{kk dh vk;kstuk rfkk mldk fu"iknu bl çdkj djs fd ges foùkhs; fooj.ki=ks ds lc/k es,slk leqfpr vk'oklu fey tk, fd mues dksbz =qfv ugh gs A 4-,d ys[kk ijh{kk es dk;zfu"iknu çfø;k;s lyxu gs ftuls foùkh; fooj.k i=ks es mfyyf[kr jkf'k;ks vksj çdvhdj.k ds ckjs es lk{; çkir fd;s tkus gs A p;fur lkfof/kd ys[kk ijh{kd ds QSlys ij vk/kkfjr gksrh gs ftues foùkh; fooj.k i=ks ds xyr dfku] pkgs os /kks[kk/km+h ds dkj.k gs ;k =qfv ds tksf[keks dk fu/kkzj.k lfeefyr gsa mu tksf[ke fu/kkzj.kks dks cukus ds fy, mi;qä ifjflfkfr;ks ds vuqlkj ys[kkijh{kk lfof/k;ks dk fmtk;u djus ds fy, ys[kk ijh{kd foùkh; fooj.k i=ks ds mfpr çlrqrhdj.k rfkk csd dh rs;kjh ls lc) vkurfjd fu;=.k ij fopkj djrk gs A ys[kk ijh{kk es ç;qä ys[kk uhfr;ks dh mi;qärk dk ewy;kdu çc/ku }kjk fd;s x;s ys[kk vuqekuks dh rkfdzdrk] lkfk gh foùkh; fooj.ki=ks dk ldy çlrqrhdj.k dk ewy;kdu Hkh lfeefyr gsa 5- ges fo'okl gs fd ys[kk ijh{kk lk{ k] tks ges çkir gq, gs] gekjs vfhker dks vk/kkj çnku djus ds fy; i;kzir vksj mi;qä gs A 6- egroiw.kz ekeys% vius er ds lkfk dksbz 'krz yxk, fcuk ge foùkh; fooj.k dh vuqlwph l[;k 18 dh fvii.kh l[;k 15 dh vksj /;ku vkdf"kzr djrs gs] ftles ;g dgk x;k gs fd Hkkjrh; fjt+oz csd }kjk lkoztfud {ks= ds csdks ds dezpkfj;ks ds fy, is'ku fodyi iqu% [kksyus rfkk minku lhekvks es o`f) & foosdiw.kz fofu;ked O;ogkj ds lecu/k es mlds ifji= l[;k MhchvksMh- chih &11 ds vuqlkj ys[kk ekud 15] dezpkjh ykhk ds çko/kkuks dks lkoztfud {ks= ds csdks INDEPENDENT AUDITORS' REPORT To The President of Indi Report On the Finncil Sttements 1. We hve udited the ccompnying finncil sttements of Punjb Ntionl Bnk s t 31st Mrch, 2013, which comprises of the Blnce Sheet s t Mrch 31, 2013 nd Sttement of Profit nd Loss nd the csh flow sttement for the yer then ended nd summry of significnt ccounting policies nd other explntory informtion. Incorported in these finncil sttements re the returns of 20 brnches udited by us, 2404 brnches udited by Brnch Auditors (including 1 off shore bnking unit nd 71 other offices) nd 4 foreign brnches udited by locl uditors. The brnches udited by us nd those udited by other uditors hve been selected by the Bnk in ccordnce with the guidelines issued to the Bnk by the Reserve Bnk of Indi. Also incorported in the Blnce Sheet nd the Sttement of Profit nd Loss re the returns from 3507 brnches which hve not been subjected to udit. These unudited brnches ccount for 8.94 per cent of dvnces, per cent of deposits, 6.58 per cent of interest income nd per cent of interest expenses. Mngement's Responsibility for the Finncil Sttements 2. Mngement is responsible for the preprtion of these finncil sttements in ccordnce with Bnking Regultion Act, This responsibility includes the design, implementtion nd mintennce of internl control relevnt to the preprtion of the finncil sttements tht re free from mteril missttement, whether due to frud or error. Auditor's Responsibility 3. Our responsibility is to express n opinion on these finncil sttements bsed on our udit. We conducted our udit in ccordnce with the Stndrds on Auditing issued by the Institute of Chrtered Accountnts of Indi. Those Stndrds require tht we comply with ethicl requirements nd pln nd perform the udit to obtin resonble ssurnce bout whether the finncil sttements re free from mteril missttement. 4. An udit involves performing procedures to obtin udit evidence bout the mounts nd disclosures in the finncil sttements. The procedures selected depend on the uditor's judgement, including the ssessment of the risks of mteril missttement of the finncil sttements, whether due to frud or error. In mking those risk ssessments, the uditor considers internl control relevnt to the Bnk's preprtion nd fir presenttion of the finncil sttements in order to design udit procedures tht re pproprite in the circumstnces. An udit lso includes evluting the ppropriteness of ccounting policies used nd the resonbleness of the ccounting estimtes mde by mngement, s well s evluting the overll presenttion of the finncil sttements. 5. We believe tht the udit evidence we hve obtined is sufficient nd pproprite to provide bsis for our udit opinion. 6. Emphsis of Mtter: Without qulifying our opinion, we drw ttention to Note No. 15 in Schedule 18 to the finncil sttements, which describes deferment of pension nd grtuity libility of the Bnk to the extent of ` crores pursunt to the exemption grnted by the Reserve Bnk of Indi to the public sector bnks from ppliction of the provisions of Accounting Stndrd (AS) 15, Employee Benefits vide its circulr no. DBOD. BP. BC/80/ / on Re-opening of 181

184 ij ykxw fd, tkus ls NwV ds QyLo:i :i;s djksm+ rd csd dh is'ku rfkk minku ns;rk ds vklfkxu dk myys[k gs A vfhker 7- gekjh leefr es] csd dh ys[kk cfg;ks es ;Fkk çnf'kzr rfkk lokszùke tkudkjh vksj ges fn;s x;s Li"Vhsdj.k ds vuqlkj % i½ rqyui= vksj mlds lkfk ifbr fviif.k;k,d iw.kz rfkk mfpr rqyui= gs ftles lhkh vko';d fooj.k fn;s x;s gs vksj ;g Hkkjr es lkeku;r% LohÑr ys[kkdu fl)kurks ds vuq:i bl rjg ls rs;kj fd;k x;k gs fd bles csd dk;ksz dh 31 ekpz] 2013 dh lgh ii½ vksj mfpr flfkfr çnf'kzr gksrh gs ( ykhk o gkfu [kkrk rfkk mlds lkfk ifbr fviif.k;k] Hkkjr es lkeku;r;k LohÑr ys[kkdu fl)kurks ds vuq:i o"kz ds ykhk dk lgh 'ks"k n'kkzrk gs( vksj iii½ udnh çokg fooj.k i= ml frffk dks lekir o"kz gsrq lgh vksj mfpr udn çokg n'kkzrk gsa vu; fof/k,o fofu;ked vis{kkvks ij fjiksvz 8- rqyui= vksj ykhk o gkfu [kkrk csddkjh fofu;eu vf/kfu;e] 1949 dh rhljh vuqlwph ds Øe'k% QkeZ ¼,½ vksj ¼ch½ ls fy;s x;s gsa 9- mi;qzä vuqpnsn 3 ls 6 es lwfpr ys[kkijh{kk dh lhekvks ds v/;/khu rfkk csddkjh difu;k ¼miØeks dk vtzu,o vrj.k½ vf/kfu;e 1970] }kjk ;Fkkisf{kr rfkk mues visf{kr çdvhdj.kks dh lhekvks ds v/;/khu ge çfrosfnr djrs gs fd d½ [k½ x½ gekjh lokszùke tkudkjh vksj fo'okl ds vuqlkj ys[kk ijh{kk ds fy, tks Hkh lwpuk o Li"Vhdj.k vko';d Fks] os ges çkir gks x, gs vksj geus mugs lrks"ktud ik;k gsa csd ds tks ysunsu gekjh tkudkjh es vk;s gs] os csd dh 'kfä;ks ds vrxzr gsa csd ds dk;kzy;ks o 'kk[kkvks ls çkir foojf.k;k gekjh ys[kk ijh{kk ds ç;kstukfkz i;kzir ik;h x;h gsa 10- gekjs er es rqyui=] ykhk o gkfu ys[kk vksj udnh çokg fooj.k ykxw ys[kkdj.k ekudks ds vuqlkj gsa Pension Option to Employees of Public Sector Bnks nd Enhncement in Grtuity Limits - Prudentil Regultory Tretment. Opinion 7. In our opinion, s shown by the books of the bnk, nd to the best of our informtion nd ccording to the explntions given to us: (i) the Blnce Sheet, red with the notes thereon is full nd fir Blnce Sheet contining ll the necessry prticulrs, is properly drwn up so s to exhibit true nd fir view of stte of ffirs of the Bnk s t 31st Mrch 2013 in conformity with ccounting principles (ii) generlly ccepted in Indi; the Profit nd Loss Account, red with the notes thereon shows true blnce of profit, in conformity with ccounting principles generlly ccepted in Indi, for the yer covered by the ccounts; nd (iii) the Csh Flow Sttement gives true nd fir view of the csh flows for the yer ended on tht dte. Report on Other Legl nd Regultory Requirements 8. The Blnce Sheet nd the Profit nd Loss Account hve been drwn up in Forms "A" nd "B" respectively of the Third Schedule to the Bnking Regultion Act, Subject to the limittions of the udit indicted in prgrph 3 to 6 bove nd s required by the Bnking Compnies (Acquisition nd Trnsfer of Undertkings) Act, 1970 nd subject lso to the limittions of disclosure required therein, we report tht: () (b) (c) We hve obtined ll the informtion nd explntions which to the best of our knowledge nd belief, were necessry for the purposes of our udit nd hve found them to be stisfctory. The trnsctions of the Bnk, which hve come to our notice hve been within the powers of the Bnk. The returns received from the offices nd brnches of the Bnk hve been found dequte for the purposes of our udit. 10. In our opinion, the Blnce Sheet, Profit nd Loss Account nd Csh Flow Sttement comply with the pplicble ccounting stndrds. d`rs cksjdj,m etwenkj lunh ys[kkdkj,qvkj,u MCY;w ¼jkts'k lh ckfke½ lk>snkj lnl; l ] d`rs fqyhiksl,m deiuh lunh ys[kkdkj,qvkj,u ,l ¼lh,p Jh/kju½ lk>snkj lnl; l d`rs lh oh ds,m,lksfl,v~l lunh ys[kkdkj,qvkj,u MCY;w ¼, ds ç/kku½ lk>snkj lnl; l LFkku & ubz fnyyh fnukd & d`rs th,l ek/ko jkvks,m deiuh lunh ys[kkdkj,qvkj,u ,l ¼th ekf.kd; çlkn½ lk>snkj lnl; l d`rs ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj,qvkj,u b ¼ch vkj xks;y½ lk>snkj lnl; l d`rs s jes'k diwj,m deiuh lunh ys[kkdkj,qvkj,u ,u ¼jes'k diwj½ lk>snkj lnl; l For Borkr & Muzumdr Chrtered Accountnts FRN W (Rjesh.C.Bthm) Prtner M.No For Phillipos & Co. Chrtered Accountnts FRN S (C.H. Sreedhrn) Prtner M.No For CVK & Assocites Chrtered Accountnts FRN W (A.K.Prdhn) Prtner M.No Plce: New Delhi Dte : For G S Mdhv Ro & Co. Chrtered Accountnts FRN S (G.Mniky Prsd) Prtner M.No For K N Gutguti & Co. Chrtered Accountnts FRN E (B.R.Goyl) Prtner M.No For Rmesh Kpoor & Co. Chrtered Accountnts FRN N (Rmesh Kpoor) Prtner M.No

185 183

186 itkc us'kuy csd dk 31 ekpz] 2013 dh flfkfr ds vuqlkj lesfdr rqyu&i= CONSOLIDATED BALANCE SHEET OF PUNJAB NATIONAL BANK AS ON MARCH 31, 2013 iww wth vksj ns;rk, CAPITAL & LIABILITIES iww wth vuqlwph 31 ekpz 2013 dks 31 ekpz 2012 dks Schedule As on Mrch 31, 2013 As on Mrch 31, 2012 Cpitl izkjf{kr fufèk vksj vfèk'ks"k Reserves & Surplus vyik'k fgr Minority Interest 2A tekjkf'k;k Deposits mèkkj Borrowings vu; ns;rk, vksj izkoèkku Other Libilities nd Provisions vkflr;k ASSETS udnh vksj Hkkjrh; fjt+oz csd ds ikl tek 'ks"k (` djksm+ in Crore) Csh & Blnces with Reserve Bnk of Indi csdks ds ikl tek 'ks"k vksj ek x rfkk vyi lwpuk ij izki; èku Blnces with Bnks & Money t cll & short notice fuos'k Investments _.k vksj vfxze Lons nd Advnces vpy vkflr;k Fixed Assets vu; vkflr;k Other Assets vkdfled ns;rk, Contingent Libilities mxkgh fcy Bills for Collection Vh ds ckykeqdqunu lgk;d egkçcu/kd vkj vkj owjs mi egkçcu/kd oh ds [kuuk egkçcu/kd,l vkj cly dk;zikyd funs'kd m"kk vurlqczã.;u dk;zikyd funs'kd jkds'k lsbh dk;zikyd funs'kd T K BALAMUKUNDAN R R VOORE V K KHANNA S R BANSAL USHA ANANTHASUBRAMANIAN RAKESH SETHI ASSTT. GENERAL MANAGER DY. GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR ds-vkj- dker v/;{k,o çcu/k funs'kd K R KAMATH CHAIRMAN & MANAGING DIRECTOR vuqjkx tsu funs'kd,u,l fo'oukfku funs'kd ch ch pks/kjh funs'kd,e, vrqys funs'kd Vh lh >ykuh funs'kd,e,u xksihukfk funs'kd Mh ds flxyk funs'kd Mk- lquhy xqirk funs'kd ANURAG JAIN N S VISHWANATHAN B B CHAUDHRY M A ANTULAY T C JHALANI M N GOPINATH D K SINGLA Dr. SUNIL GUPTA DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR s s s d`rs cksjdj,m etwenkj lunh ys[kkdkj d`rs th,l ek/ko jkvks,m deiuh lunh ys[kkdkj d`rs fqyhiksl,m deiuh lunh ys[kkdkj d`rs ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj d`rs lh oh ds,m,lksfl,v~l lunh ys[kkdkj d`rs jes'k diwj,m deiuh lunh ys[kkdkj For Borkr & Muzumdr For G S Mdhv Ro & Co. For Phillipos & Co. For K N Gutguti & Co. For CVK & Assocites For Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts ¼jkts'k lh ckfke½ lk>snkj ¼th ekf.kd; çlkn½ lk>snkj ¼lh,p Jh/kju½ lk>snkj ¼ch vkj xks;y½ lk>snkj ¼, ds ç/kku½ lk>snkj ¼jes'k diwj½ lk>snkj lnl; l ],Qvkj,u MCY;w lnl; l ],Qvkj,u ,l lnl; l ],Qvkj,u ,l lnl; l ,Qvkj,u b lnl; l ,Qvkj,u MCY;w lnl; l ,Qvkj,u ,u (Rjesh C Bthm) (G Mniky Prsd) (C H Sreedhrn) (B R Goyl) (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Prtner Prtner Prtner Prtner M No , FRN W M No , FRN S M No , FRN S M No , FRN E M No , FRN W M No , FRN N LFkku /Plce: ubz fnyyh/new Delhi fnukd /Dte:

187 itkc us'kuy csd dk 31 ekpz] 2013 dks lekirk o"kz ds fy, lesfdr ykhk o gkfu [kkrk CONSOLIDATED PROFIT AND LOSS ACCOUNT OF PUNJAB NATIONAL BANK FOR THE YEAR ENDED MARCH 31, 2013 (` djksm+ in Crore) vuqlwph 31 ekpz 2013 dks 31 ekpz 2012 dks Schedule Yer ended 31, 2013 Yer ended 31, 2012 s I. vk; INCOME vftzr C;kt Interest erned vu; vk; Other Income II. O;; EXPENDITURE [kpz fd;k x;k C;kt Interest expended ifjpkyu [kpz Operting expenses izkoèkku vksj vkdfledkrk, Provisions nd Contingencies vyik'k fgr ls iwoz ewy o lgk;d llfkkvks dk o"kz ds fy, lesfdr 'kq) ykhk Consolidted Net Profit for the yer of the prent & subsidiries before Minority interest ?kVk, % vyik'k fgr Less : Minority Interest vyik'k fgr ds i'pkr~ ewy o lgk;d llfkkvks dk o"kz ds fy, lesfdr 'kq) ykhk Consolidted Net Profit for the yer of the prent & Subsidiries fter Minority interest lgk;d llfkkvks es vtzu dk v'k ¼'kq)½ Shre of ernings in Assocites (net) o"kz ds fy, lewg dk lesfdr 'kq) ykhk Consolidted Net Profit for the yer ttributble to the group tksm+ % lewg dk vkxs yk;k x;k lesfdr ykhk Add : Brought forwrd consolidted profit ttributble to the group Add : Trnsfered from Cpitl Reserve fofu;kstu ds fy, miycèk ykhk Profit vilble for Approprition fofu;kstu APPROPRIATIONS izkjf{kfr;ks es vrj.k ¼'kq)½ Trnsfer to Reserves (Net) lkfofèkd izkjf{kr fufèk Sttutory Reserve iw th izkjf{kr fufèk&vu; Cpitl Reserve - Others fuos'k?kv c<+ izkjf{kr fufèk Investment Fluctution Reserve vu; izkjf{kr fufèk Other Reserve fo'ks"k izkjf{kr fufèk Specil Reserve ykhkk'k dj lfgr ykhkk'k Dividend including Dividend Tx 2012&13 ds izlrkfor ykhkk'k Proposed Dividend for vrfje ykhkk'k Interim Dividend lesfdr rqyu&i= es ys tk;k x;k tek 'ks"k Blnce Crried over to consolidted Blnce Sheet izfr 'ks;j vtzu ¼` es½ xsj okf"kzdhñr Ernings per Shre (in `) Non-Annulised ys[kk uhfr;k rfkk ys[kk fviif.k;k Accounting Policy & Notes on Accounts 18 Vh ds ckykeqdqunu lgk;d egkçcu/kd vkj vkj owjs mi egkçcu/kd oh ds [kuuk egkçcu/kd,l vkj cly dk;zikyd funs'kd m"kk vurlqczã.;u dk;zikyd funs'kd jkds'k lsbh dk;zikyd funs'kd T K BALAMUKUNDAN R R VOORE V K KHANNA S R BANSAL USHA ANANTHASUBRAMANIAN RAKESH SETHI ASSTT. GENERAL MANAGER DY. GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR ds-vkj- dker v/;{k,o çcu/k funs'kd K R KAMATH CHAIRMAN & MANAGING DIRECTOR vuqjkx tsu funs'kd,u,l fo'oukfku funs'kd ch ch pks/kjh funs'kd,e, vrqys funs'kd Vh lh >ykuh funs'kd,e,u xksihukfk funs'kd Mh ds flxyk funs'kd Mk- lquhy xqirk funs'kd ANURAG JAIN N S VISHWANATHAN B B CHAUDHRY M A ANTULAY T C JHALANI M N GOPINATH D K SINGLA Dr. SUNIL GUPTA DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR s s s d`rs cksjdj,m etwenkj lunh ys[kkdkj d`rs th,l ek/ko jkvks,m deiuh lunh ys[kkdkj d`rs fqyhiksl,m deiuh lunh ys[kkdkj d`rs ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj d`rs lh oh ds,m,lksfl,v~l lunh ys[kkdkj d`rs jes'k diwj,m deiuh lunh ys[kkdkj For Borkr & Muzumdr For G S Mdhv Ro & Co. For Phillipos & Co. For K N Gutguti & Co. For CVK & Assocites For Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts ¼jkts'k lh ckfke½ lk>snkj ¼th ekf.kd; çlkn½ lk>snkj ¼lh,p Jh/kju½ lk>snkj ¼ch vkj xks;y½ lk>snkj ¼, ds ç/kku½ lk>snkj ¼jes'k diwj½ lk>snkj lnl; l ],Qvkj,u MCY;w lnl; l ],Qvkj,u ,l lnl; l ],Qvkj,u ,l lnl; l ,Qvkj,u b lnl; l ,Qvkj,u MCY;w lnl; l ,Qvkj,u ,u (Rjesh C Bthm) (G Mniky Prsd) (C H Sreedhrn) (B R Goyl) (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Prtner Prtner Prtner Prtner M No , FRN W M No , FRN S M No , FRN S M No , FRN E M No , FRN W M No , FRN N LFkku /Plce: ubz fnyyh/new Delhi fnukd /Dte:

188 vuqlwph 1 & iw th SCHEDULE 1 - CAPITAL dks dks As on As on çkf/kñr iw th % 3]00]00]00]000 bfdovh 'ks;j] izr;sd # 10 dk Authorised Cpitl 3,00,00,00,000 Equity Shres of ` 10 ech tkjh rfkk vfhknùk 35]34]73]396 bfdovh 'ks;j] çr;sd # 10 dk Issued & Subscribed 35,34,73,396 Equity Shres of `10 ech çnùk 35]34]73]396 bfdovh 'ks;j] izr;sd # 10 dk ¼dsæh; ljdkj }kjk /kkfjr 20]45]71]589 bfdovh 'ks;j] izr;sd # 10 dk 'kkfey gs½ Pid Up 35,34,73,396 Equity Shres of `10 ech (includes 20,45,71,589 equity shres of `10 ech held by Centrl Government ) vuqlwph 2 & çkjf{kr fuf/k;k vksj vf/k'ks"k SCHEDULE 2 - RESERVES & SURPLUS dks dks As on As on I. lkfof/kd çkjf{kr fuf/k Sttutory Reserves çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer II. ¼` djksm+ in Crore½ iwthxr çkjf{kr fuf/k Cpitl Reserves d½ iquewzy;u çkjf{kr fuf/k ) Revlution Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer o"kz ds nksjku dvksrh ¼lifÙk ds iquewzy;u Hkkx ij ewy;âkl ds dkj.k½ Deduction during the yer (being deprecition on revlued portion of property) [k vu; b) Others çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer II v- lesdu ij iw th izkjf{kr fufèk ¼'kq)½ IIA. Cpitl Reserves on Consolidtion (Net)

189 vuqlwph 2 & çkjf{kr fuf/k;k vksj vf/k'ks"k ¼tkjh½ SCHEDULE 2 - RESERVES & SURPLUS (Contd.) ¼` djksm+ in Crore½ dks dks As on As on III. jktlo rfkk vu; çkjf{kr fuf/k Revenue nd other Reserves d fuos'k?kv&c<+ izkjf{kr fufèk ) Investment Fluctution Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer ?kVk, % ykhk o gkfu [kkrs dks vrfjr Less: Trnsfer to P&L Account [k vu; izkjf{kr fufèk b) Other Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer fo'ks"k izkjf{kr fufèk dks vrfjr Trnsferred to Specil Reserve ?kVk, % finys o"kks± ls lec) lek;kstu Less; Adjustment relted to Prior yers ?kVk, % løe.k ns;rk ¼,,l 15½ Less: Trnsistory Libility (AS-15) ?kVk, % vr% vo#) [kkrks ds fy, Hkqxrku Less: Pyment for interblocked ccounts x- fofue;?kv&c<+ izkjf{kr fufèk c) Exchnge Fluctution Reserve çkjfehkd 'ks"k Opening Blnce tksm+s % o"kz ds nksjku o`f) ¼'kq)½ Add : Addition during the yer (Net) ?kVk, % o"kz ds nksjku vkgj.k ¼'kq)½ Less : Withdrwn during the yer (Net) IV. 'ks;j izhfe;e Shre Premium çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer V. fo'ks"k izkjf{kr fufèk Specil Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer vu; izkjf{kr fufèk;ks ls vrfjr Trnsfer from other reserve VI. fons'kh eqnzk vrj.k izkjf{kr fufèk Foreign Currency Trnsltion Reserve çkjfehkd 'ks"k Opening Blnce o"kz ds nksjku o`f) Addition during the yer o"kz ds nksjku dvksrh Deduction during the yer VII. ykhk o gkfu [kkrs es 'ks"k Blnce in Profit & Loss Account I, II, III, IV, V, VI, VII dk tksm+ Totl I, II, III, IV, V, VI, VII

190 vuqlwph 2 v & vyik'k fgr SCHEDULE 2A - Minority Interest ¼` djksm+ in Crore½ dks dks As on As on ml rkjh[k dks vyik'k fgr tc ewy rfkk lgk;d llfkk dk lcèk vflrro es vk;k Minority Interest t the dte on which the prent subsidiry reltionship cme into existence ijorhz o`f) Subsequent increse rqyu&i= dh rkjh[k dks vyik'k fgr Minority interest t the dte of blnce sheet vuqlwph 3 & tekjkf'k;k SCHEDULE 3 - DEPOSITS v- I. ek x tekjkf'k;k A. I. DEMAND DEPOSITS (i) ¼` djksm+ in Crore½ dks dks As on As on csdks ls From Bnks (ii) vu; ls From Others II. cpr csd tek jkf'k;k Svings Bnk Deposits III. lkofèk tekjkf'k;k Term Deposits (i) csdks ls From Bnks (ii) vu; ls From Others I, II vksj III dk tksm Totl of I, II & III vk- (i) Hkkjr es flfkr 'kk[kkvks dh tek jkf'k;k B. Deposits of brnches in Indi (ii) Hkkjr ls ckgj flfkr 'kk[kkvks dh tek jkf'k;k Deposits of brnches outside Indi vk (i) vksj (ii) dk tksm+ TOTAL B (i) & (ii) vuqlwph 4 & mèkkj ¼` djksm+ in Crore½ dks dks SCHEDULE 4 - BORROWINGS As on As on I. Hkkjr es m/kkj Borrowings in Indi (i) Hkkjrh; fjtoz csd ls Reserve Bnk of Indi (ii) vu; csdks ls Other Bnks (iii) vu; llfkkvks vksj,tsfl;ks ls Other Institutions nd Agencies (iv) cwk.m ¼Vh;j&A] Vh;j&AA] xks.k _.kks lfgr½ Bonds (including Tier-I. Tier-II. Subordinted Debts) II. Hkkjr ls ckgj m/kkj II. Borrowings outside Indi I, II dk tksm+ Totl of I, II mi;qzä I,o II es 'kkfey çfrhkwr m/kkj Secured Borrowings included in I & II bove

191 vuqlwph 5 & vu; ns;rk, vksj çko/kku SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS ¼` djksm+ in Crore½ dks dks As on As on I. ns; fcy Bills Pyble II. vr% dk;kzy; lek;kstu ¼'kq)½ Inter-Office djustments(net) III. IV. mifpr C;kt Interest ccrued vu; ¼izkoèkkuks lfgr½ Others (including Provisions) I, II, III, IV dk tksm+ Totl of I, II, III, IV vuqlwph 6 & udnh vksj Hkkjrh; fjtoz csd ds ikl tek'ks"k SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA ¼` djksm+ in Crore½ dks dks As on As on I. gkfk es udnh ¼fons'kh eqæk uksvks lfgr½ Csh in hnd (including foreign currency notes) II. Hkkjrh; fjtoz csd ds ikl pkyw [kkrs es tek 'ks"k Blnce with Reserve Bnk of Indi in current Accounts vu; [kkrks es In other Account I, II dk tksm+ Totl of I, II vuqlwph 7 & csdks ds ikl tek 'ks"k rfkk ek x vksj vyi lwpuk ij çki; /ku SCHEDULE 7- BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE ¼` djksm+ in Crore½ dks dks As on As on I. Hkkjr es In Indi (i) csdks ds ikl tek 'ks"k Blnces with Bnks d) pkyw [kkrks es ) In Current Accounts [k) vu; tek [kkrks es b) In Other Deposit Accounts (ii) ek x vksj vyi lwpuk ij çki; /ku Money t Cll nd Short Notice d) csdks ds ikl ) with Bnks [k) vu; llfkkvks ds ikl b) with Other Institutions tksm+ ¼I vksj II) TOTAL (I & II)

192 vuqlwph 7 & csdks ds ikl tek 'ks"k rfkk ek x vksj vyi lwpuk ij çki; /ku ¼tkjh½ SCHEDULE 7- BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE (Contd.) II. ¼` djksm+ in Crore½ dks dks As on As on Hkkjr ls ckgj Outside Indi i) pkyw [kkrks es In Current Accounts ii) vu; tek [kkrks es (iii) In Other Deposit Accounts ek x vksj vyi lwpuk ij çki; /ku Money t Cll & Short Notice lexz tksm ¼I vksj TOTAL (I & II) vuqlwph 8 & fuos'k SCHEDULE 8 - INVESTMENTS ¼` djksm+ in Crore½ dks dks As on As on I. Hkkjr es fueufyf[kr es fuos'k Investments in Indi in (i) ljdkjh çfrhkwfr;k Government Securities (ii) vu; vuqeksfnr çfrhkwfr;k Other Approved Securities (iii) 'ks;j Shres (iv) _.ki= vksj ck.m Debentures nd Bonds (v) lgk;d llfkkvks es fuos'k ¼bfDoVh i)fr ij½ Investment in Assocites (on equity method) (vi) vu; ¼;wVhvkbZ vksj mlds ;wfuv&64 es izkjfehkd iw th½ ¼fofHkUu E;wpqvy QM o okf.kft;d i= vkfn es½ Others (Initil Cpitl in UTI nd its units-64) (Vrious Mutul Funds & Commercil Pper etc.) I dk of I II. Hkkjr ls ckgj fuos'k Investments Outside Indi (i) ljdkjh izfrhkwfr;k Goverment Securities (ii) lgk;d llfkkvks es fuos'k ¼bfDoVh i)fr ij½ Investment in Assocites (on equity method) (iii) vu; fuos'k Others Investments II dk of II III. Hkkjr es fuos'k Investments in Indi (i) fuos'kks dk ldy ewy; Gross vlue of investments (ii)?kvk, % ewy;gzkl ds fy, izkoèkkuks dk tksm+ Less Aggregte of Provisions for Deprecition (iii) 'kq) fuos'k Net Investment Hkkjr ls ckgj fuos'k Investments Outside Indi (i) fuos'kks dk ldy ewy; Gross vlue of investments (ii)?kvk, % ewy;gzkl ds fy, izkoèkkuks dk tksm+ Less Aggregte of Provisions for Deprecition (iii) 'kq) fuos'k Net Investment (I), (II) dk dqy Totl of (I), (II)

193 vuqlwph 9 & vfxze SCHEDULE 9 - ADVANCES ¼` djksm+ in Crore½ dks dks As on As on v- (i) [kjhns vksj Hkquk;s x;s fcy A. Bills purchsed nd discounted (ii) udn m/kkj] vksojmªk V vksj ek x ij ns; _.k Csh Credits, Overdrfts & Lons repyble on demnd (iii) eh;knh _.k Term Lons tksm+/totl vk- (i) ewrz vkflr;ks }kjk çfrhkwr ¼bles cgh _.kks ij fn, x;s vfxze 'kkfey gs½ B. Secured by tngible ssets (Including dvnces ginst book debts) (ii) ljdkj dh xkjfv;ks }kjk ljf{kr Covered by Bnk/Govt. gurntees (iii) vçfrhkwr Unsecured tksm+/totl b- (I) Hkkjr es vfxze C. Advnces in Indi (i) çkfkfedrk {ks= Priority Sector (ii) lkoztfud {ks= Public Sector (iii) csd Bnks (iv) vu; Others b- (II) Hkkjr ls ckgj vfxze C. Advnces outside Indi (i) csdks ls çki; Due from Bnks (ii) vu; ls çki; Due from Others ¼d½ [kjhns vksj Hkquk;s x;s fcy () Bills Purchsed & Discounted ¼[k½ eh;knh _.k (b) Term Lon ¼x½ vu; (c) Others lexz tksm+ ¼I,o II dk tksm+½ GRAND TOTAL OF (Totl of CI + CII)

194 vuqlwph 10 & vpy vkflr;k SCHEDULE 10 - FIXED ASSETS I II. III IV ¼` djksm+ in Crore½ dks dks As on As on ifjlj ¼Hkwfe lfgr½ Premises (including Lnd) - o"kz dh 1 vizsy dh ykxr ij - At Cost s on 1st April of the yer o"kz ds nksjku o`f) - Additions during the yer ?kVk, % o"kz ds nksjku dvksfr;k Less : Deduction during the yer iquezwy;u - Revlution ?kVk, % vc rd ewy;gzkl Less : Deprecition to dte vu; vpy vkflr;k ¼QuhZpj vksj fqdlpj lfgr½ Other Fixed Assets (Including Furniture & Fixtures) - o"kz dh 1 vizsy dh ykxr ij - At cost s on 1st April of the yer o"kz ds nksjku o`f) - Additions during the yer ?kVk, % o"kz ds nksjku dvksfr;k Less : Deductions during the yer ?kVk, % vc rd ewy;gzkl Less : Deprecition to dte dei;wvj lkw Vos;j Compute Softwre - o"kz dh 1 vizsy dh ykxr ij - At cost s on 1st April of the yer o"kz ds nksjku o`f) - Additions during the yer o"kz ds nksjku dvksfr;k - Deductions during the yer ?kVk, % vc rd ifj'kksfèkr Less : Amortised to dte iêsokyh vkflr;k Lesed Assets - o"kz dh 1 vizsy dh ykxr ij - At cost s on 1st April of the yer o"kz ds nksjku o`f) - Additions during the yer o"kz ds nksjku dvksfr;k - Deductions during the yer ?kVk, % vc rd ewy;gzkl Less : Amortised to dte I, II, III, IV dks of I, II, III, IV

195 vuqlwph 11 & vu; vkflr;k SCHEDULE 11 - OTHER ASSETS ¼` djksm+ in Crore½ dks dks As on As on I. mifpr C;kt Interest ccrued II. III. IV. vfxze vnk fd;k x;k lzksr ij dkvk x;k dj ¼izkoèkkuks ds mijkur½ Tx pid in dvnce / tx deducted t source (net of provisions) ys[ku &lkexzh vksj LVkEi Sttionery nd stmps nkoks ds fuivku es çki; xsj&csfdx vkflr;k Non-bnking ssets cquired in stisfction of clims V. vklfkfxr dj vkflr;k ¼'kq)½ Deferred tx sset (net) VI. vu; Others I, II, III, IV, V, VI dk of I, II, III, IV, V, VI vuqlwph 12 & vkdfled ns;rk, SCHEDULE 12 - CONTINGENT LIABILITIES dks dks As on As on I. (i) csd ¼lewg½ ds f[kykq,sls nkos ftugs _.k ugh ekuk x;k gsa Clims ginst the Bnk (Group) not cknowledged s debts (ii) vihyks] lnhkksz vkfn ds v/khu fookfnr vk; dj o C;kt dj ek xs Disputed income tx nd interest tx II. III. IV. demnds under ppels, references,etc. vkf'kd :i ls iznrr fuos'kks ds fy, ns;rk, Libility for prtly pid investments cdk;k ok;nk fofue; lfonkvks ds dkj.k ns;rk, Libility on ccount of outstnding forwrd exchnge contrcts xzkgdks dh vksj ls nh x;h xkjfv;k Gurntees given on behlf of constituents ¼d½ Hkkjr es () In Indi ¼[k½ Hkkjr ls ckgj (b) Outside Indi V. LohÑfr;k] i`"bk du vksj vu; nkf;ro Acceptnces, endorsements nd other obligtions VI.,slh vu; ens ftuds fy, csd ¼lewg½ vkdfled #i ls ft+eesnkj gs Other items for which the Bnk (Group) is contingently lible I, II, III, IV, V, VI dk tksm+ Totl of I, II, III, IV, V, VI

196 vuqlwph 13 & vftzr C;kt vksj ykhk'k SCHEDULE 13 - INTEREST AND DIVIDENDS EARNED vuqlwph 14 & vu; vk; SCHEDULE 14 - OTHER INCOME dks dks Yer ended Yer ended I. deh'ku] fofue; vksj nykyh Commission, Exchnge nd Brokerge II. III. IV. Hkwfe] Hkou vksj vu; vkflr;k dh fcøh ls ykhk~ Profit on sle of lnd building nd other ssets ?kVk, % Hkwfe] Hkou vksj vu; vkflr;k dh fcøh ls gkfu Less: Loss on sle of lnd building nd other ssets E;wpqvy Q.M ls ykhkk'k vk; Dividend Income from Mutul Fund fons'kh eqnzk fofue; ysu&nsu ls ykhk Profit on Exchnge Trnsction ?kVk, % fons'kh eqnzk fofue; ysu&nsu ls gkfu Less: Loss on Exchnge Trnsction V. fuos'kks ¼'kq)½ dh fcøh ls ykhk Profit on sle of Investments ?kVk, % fuos'kks dh fcøh ls gkfu Less: Loss on sle of investments VI. ¼` djksm+ in Crore½ dks dks Yer ended Yer ended I. ij Interest/discount on dvnces/bills II. fuos'kks ls vk; Income on Investments III. Hkkjrh; fjtoz csd ds ikl tek 'ks"k vksj vu; vr% csd fuf/k;ks ij C;kt Interest on blnces with Reserve Bnk of Indi nd other Inter-Bnk funds IV. vu; Others I, II, III, IV dk tksm+ Totl of I, II, III, IV fofo/k vk; Miscellneous Income I, II, III, IV, V, VI dk tksm+ Totl of I, II, III, IV, V, VI vuqlwph 15 & [kpz fd;k x;k C;kt SCHEDULE 15 - INTEREST EXPENDED dks dks Yer ended Yer ended I. tekjkf'k;ks ij C;kt Interest on Deposits II. Hkkjrh; fjtoz m/kkjks ij C;kt Interest on Reserve Bnk of Indi/inter-bnk borrowings III. vu; Others Totl of I, II, III dk tksm

197 vuqlwph 16 & ifjpkyu O;; SCHEDULE 16 - OPERATING EXPENSES dks dks Yer ended Yer ended I. dezpkfj;ks dks Hkqxrku vksj muds fy, çko/kku Pyment to nd Provisions for employees II. III. IV. fdjk;k] dj vksj fctyh Rent, Txes nd Lighting eqæ.k vksj ys[ku&lkexzh Printing & Sttionery fokkiu vksj çpkj Advertisement & Publicity V. csd dh lifùk ij ewy;ºzkl Deprecition on bnk's property ?kVk, % iquewzy;u çkjf{kr fuf/k ds lkfk lek;ksftr Less: Adjusted with Revlution Reserve VI. funs'kdks dh Qhl] HkÙks vksj [kpz Directors' Fees, llownces nd expenses VII. ys[kk&ijh{kdks dh Qhl vksj [kpz ¼vuq"kfx;ks ds lkfofèkd ys[kkijh{kdks rfkk 'kk[kk ds ys[kkijh{kdks dh Qhl vksj [kpz lfgr½ Auditors' fees nd expenses (including sttutory uditor of subsidiries brnch uditor's fees & expenses) VIII. fof/k çhkkj Lw Chrges IX. Mkd] rkj] VsyhQksu br;kfn Postge, Telegrms, Telephones, etc X. ejeer vksj j[k&j[kko Repirs nd Mintennce XI. ¼` djksm+ in Crore½ chek Insurnce XII. vu; O;; Other expenditure I ls XII dk tksm+ Totl of I to XII vuqlwph 17 & lgk;d llfkkvks es dk fgllk SCHEDULE 17 - SHARE OF EARNINGS/LOSS IN ASSOCIATES dks dks Yer ended Yer ended (d) Hkkjr es lgk;d llfkkvks es vtzuks dk fgllk () Shre of Ernings in Assocites in Indi ([k) Hkkjr ds ckgj lgk;d llfkkvks es vtzuks dk fgllk (b) Shre of Ernings in Assocites of outside Indi tksm+ ¼d,o [k½ Totl of ( & b)

198 vuqlwph & 18 çeq[k ys[kk fof/k lc/kh uhfr;k vksj ys[kks ij fviif.k;k 1- ys[ks rs;kj djus dk vk/kkj foùkh; fooj.k i= ijeijkxr ykxr ds vk/kkj ij rs;kj fd;s x;s gs rfkk lelr egroiw.kz f"v;ks ls Hkkjr es lkeku;r% Loh r ys[kkdu fl)kurks ¼th,,ih½ ds vuq:i gs] ftues ykxw lkfof/kd çko/kku] Hkkjrh; fjtoz csd }kjk fu/kkzfjr fofu;ked ekun.m] Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kkdu ekun.m rfkk Kkiu o Hkkjr es csfdx m ksx es ekstwnk çfkk, Hkh 'kkfey gsa fons'kh dk;kzy;ks ds lecu/k es mu mu ns'kks es ykxw lkfof/kd çko/kkuks vksj çfkkvks dk ikyu fd;k x;k gsa vuqekuks dk mi;ksx foùkhs; foojf.k;k rs;kj djus ds fy, çc/ku dks foùkh; foojf.k;ks dh frffk dks fjiksvz fd, x, vkflr;ks,o ns;rkvks rfkk fjiksvz vof/k ds fy, fjiksvz fd, x, vk; vksj O;; es fopkjkfkz vuqeku rfkk /kkj.kk, cukus dh vko';drk im+rh gsa çc/ku dks fo'okl gs fd foùkh; foojf.k; rs;kj djus es mi;ksx fd, x, vuqeku foosdleer vksj rdzlxr gsa 2- lesdu i)fr 2-1 lewg ¼8 vuq"kfx;k vksj 11 lg;ksxh llfkk, lfeefyr gs½ ds lesfdr foùkh; fooj.k&i= fueufyf[kr ds vk/kkj ij rs;kj fd, x, gs % ¼d½ itkc us'kuy cs d d½ ds ys[kkijhf{kr foùkh; fooj.k&i= ¼[k½ ewy csd dh lecfu/kr enks ds lkfk lg;ksfx;ks dh enks dks vfkkzr~ vkflr;ks] ns;rkvks] vk; rfkk O;;ks dks ijlij ifä nj ifä,df=r djrs gq, rfkk vrj lewg ysunsuks] muds lecfu/kr ys[kk ijh{kdks }kjk fof/kor~ ys[kkijhf{kr çkir vk dm+ks ds vk/kkj ij olwy u gq, dks gvkus ds i'pkr~ rfkk tg dgh t:jh Fkk ogk leku ys[kkdu uhfr;ks ds vuq:i vko';d lek;kstu djus ds i'pkr~ rs;kj fd, x, gsa vuq"kxh deifu;ks ds foùkh; fooj.k&i= çeq[k csd dh fjiksfvzx frffk vfkkzrk~ 31 ekpz] 2013 dks gh rs;kj fd, x,a ¼x½ fons'kh vuq"kxh ds fons'kh eqæk vrj.k fueuor~ fd, x, gs % SCHEDULE - 18 SIGNIFICANT ACCOUNTING POLICIES AND NOTES ON ACCOUNTS 1. BASIS OF PREPARATION: The finncil sttements hve been prepred on the historicl cost bsis nd conform, in ll mteril spects to Generlly Accepted Accounting Principles (GAAP) in Indi which encompsses pplicble sttutory provisions, regultory norms prescribed by Reserve Bnk of Indi (RBI), Accounting Stndrds nd pronouncements issued by the Institute of Chrtered Accountnts of Indi (ICAI) nd previling prctices in Bnking industry in Indi. In respect of Foreign offices, sttutory provisions nd prctices previling in respective countries re complied with. Use of Estimtes : The preprtion of finncil sttements require the mngement to mke estimtes nd ssumptions considered in the reported mount of ssets nd libilities (including contingent libilities) s of dte of the finncil sttements nd the reported income nd expenses for the reporting period. Mngement believes tht the estimtes used in the preprtion of the finncil sttements re prudent nd resonble. 2. CONSOLIDATION PROCEDURES: 2.1 Consolidted finncil sttements of the Group (comprising of 8 Subsidiries nd 11 Assocites) hve been prepred on the bsis of: ) Audited finncil sttements of Punjb Ntionl Bnk (Prent/the Bnk), b) Line by line ggregtion of like items of ssets, libilities, income nd expenses of subsidiries with the respective item of the Prent nd fter eliminting mteril intrgroup blnces/trnsctions, unrelized profit/losses nd mking necessry djustments, wherever required, to conform to uniform ccounting policies, bsed on dt received from these subsidiries duly udited by their respective uditors. The finncil sttements of the subsidiries hve been drwn up to the sme reporting dte s tht of Prent i.e. 31 st Mrch c) Foreign currency trnsltion of overses subsidiries hve been done s under: ¼i½ vk; o O;; & o"kz ds nksjku miyc/k Hkkfjr vkslr njks ij (i) Income nd Expenditure t weighted verge rtes previling during the yer ¼ii½ vkflr;k o ns;rk, & o"kz ds vr dh njks ij (ii) Assets nd Libilities - t the yer end rtes 196

199 fons'kh eqæk vrj.k ds ifj.kkelo:i vk; vrj dks pkgs og gks] çkjf{kfr;ks vksj vf/k'ks"k ds v/khu lfeefyr fd;k x;k gsa ¼?k½ tgk oksfvx ikoj es lewg dk 20% vksj blls vf/kd v'k gs] ogk lgk;d llfkkvks es fuos'kks dk ys[kkdu Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kk&ekud & 23 dh 'krkzuqlkj bfdovh i)fr }kjk fd;k x;k gsa ¼M-½ ewy csd vksj vuq"kfx;ks vksj lgk;d llfkkvks }kjk viuk;h xbz ys[kkdu uhfr dh fhkuurkvks ds çhkko ls lecfu/kr iw.kz tkudkjh dh vuqiflfkfr es tgk dgh vko';d Fkk] dksbz lek/kku ugh fd;k x;k gsa blh çdkj ewy lesfdr vuq"kfx;ks vksj mldh lgk;d llfkkvks ds chp gq, ysunsuks ds ifj.kkelo:i olwyh u gq, rfkk vuq"kfx;ks vksj lgk;d llfkkvks es csd ds fgr dh lhek rd ugh gvk, x, gsa bu vuq"kfx;ks vksj lgk;d llfkkvks ls çkir foùkh; fooj.k i= bu lesfdr fooj.k i=ks es muds lfeefyr gksus ds fy,,dy vk/kkj curs gsa ;s vuqeku oklrfod flfkfr ls fhkuu gks ldrs gsa 2-2 vuq"kxh deifu;ks es blds fuos'k ds lewg dh ykxr rfkk vuq"kfx;ks es bfdovh ds lewg ds Hkkx ds chp ds vrj dks foùkh; fooj.k&i= es th çkjf{kr fuf/k ekuk x;k gsa 2-3 lesfdr vuq"kxh dh 'kq) vkflr;ks es vyik'k fgr es fueufyf[kr 'kkfey gs d½ vuq"kxh es ftl frffk dks fuos'k fd;k x;k gs ml frffk dks vyik'k fgr dks ns; bfdovh dh jkf'k] rfkk [k½ ewy csd rfkk vuq"kxh ds e/; lc/k cuus dh rkjh[k ls bfdovh 'ks;j ds lpkyuks es vyik'k dk fgllka ¼v½ çeq[k csd }kjk viukbz xbz çeq[k ys[kkdu uhfr;k 3- ys[kkdu i)fr ys[ks mifpr /kkj.kk ds lkfk fujurj dkjksckj ds vk/kkj ij rfkk vu;fkk mfyyf[kr dks NksM+dj] ys[kkdu uhfr;ks rfkk lqlxr vuqikfyr çfkkvks ds vuqlkj rs;kj fd, x, gsa 4- vpy vkflr; 4-1 ftu ifjljks dk iquezwy;u gks pqdk gs] mugs NksM+dj vpy vkflr;ks dks mudh ijeijkxr ykxr ij fn[kk;k tkrk gsa iquewzy;u ij gqbz o`f) dks iquewzy;u çkjf{kr fuf/k es tek fd;k tkrk gs vksj iquewzy;u jkf'k es vkjksi; c<+rk gqvk ewy;ºzkl mles ls de dj fn;k tkrk gsa 4-2 vkflr;ks ij ewy;ºzkl % ¼d½ vkflr;ks ¼Hkwfe lfgr] tgk dher vyx u dh tk ldrh gks½ ij ewy;ºzkl ds fy, çko/kku vkflr dh çr;kf'kr vk;q ds vk/kkj ij lh/kh js[kk i)fr ds vuqlkj fd;k tkrk gsa The resultnt foreign currency trnsltion difference, whether gin/loss, hs been included under Reserves nd Surplus - Foreign currency trnsltion reserve. d) Investments in ssocites, where the group holds 20% or more of the voting power, hve been ccounted for using the equity method in terms of Accounting Stndrd 23 issued by The Institute of Chrtered Accountnts of Indi. e) In the bsence of full informtion regrding impct of differences in ccounting policies followed by the Prent nd subsidiries nd ssocites, no djustments, wherever required, hve been crried out. In like mnner, unrelized profits nd losses resulting from trnsctions between the Prent nd the subsidiries nd ssocites, if ny, to the extent of the Prent s interest in the subsidiries nd ssocites hve not been eliminted. Finncil sttements received from these subsidiries nd ssocites form the sole bsis for their incorportion in these Consolidted Finncil Sttements. 2.2 The difference between cost to the Group of its investment in the subsidiries nd the group s portion of the equity of the subsidiries is recognized s Goodwill/Cpitl Reserve Minority interest in the net ssets of consolidted subsidiries consist of: ) The mount of equity ttributble to the minority t the dte on which investments in subsidiry is mde; nd b) The minority shre of movements in equity since dte of prent-subsidiry reltionship cme into existence. SIGNIFICANT ACCOUNTING POLICIES FOLLOWED BY THE PARENT 3. METHOD OF ACCOUNTING: The Finncil Sttements hve been prepred on the going concern bsis with ccrul concept nd in ccordnce with the ccounting policies nd prctices consistently followed unless otherwise stted. 4. FIXED ASSETS: 4.1 Fixed ssets re stted t historicl cost except those premises, which hve been revlued. The pprecition on revlution is credited to revlution reserve nd incrementl deprecition ttributble to the revlued mount is deducted there-from. 4.2 Deprecition on Assets: ) Deprecition on ssets (including lnd where vlue is not seprble) is provided on stright-line method bsed on estimted life of the sset. 197

200 ¼[k½,slh vkflr;ks ij ewy;ºzkl fueufyf[kr njks ij çnku fd;k x;k gs % ¼% es ½ vkflr dk çdkj ewy;ºzkl nj csfe;knh iês ij yh xbz Hkwfe tgk iês dh vof/k 'kwu; dk myys[k ugh gs iês ds vk/kkj ij yh xbz Hkwfe tgk iês dh vof/k dk myys[k gs iês dh vof/k ij Hkou ÝhgksYM vksj iês dh Hkwfe ij fufezr] tgk iês dh 2-50% vof/k 40 o"kz ls vf/kd gs iês dh Hkwfe ij fufezr tgk iês dh vof/k 40 o"kz ls de gs iês dh vof/k ij iwozorhz U;w csd vkq bfm;k vksj usnqxmh csd fy- 4% ls vftzr fufezr vkflr; QuhZpj vksj fqdplz & LVhy olrq, 5% QuhZpj vksj fqdplz & ydm+h dh olrq, 10% xís 20% eksckby Qksu midj.k 33-33% e'khujh] fctyh dh vksj fofo/k olrq, 15% eksvj] dkj,o lkbzdys 15% dei;wvj],vh,e vksj lcf/kr olrq, 33-33% dei;wvj vuqç;ksx l Vos;j & vewrz vkflr;kw #i;s rd jktlo es çhkkfjr vu; 20% ¼x½ iwozorhz U;w csd v Q bfm;k rfkk usnqxm+h csd fy0 ls vftzr vkflr;ks ds ekeys es çr;kf'kr vk;q vyx&vyx vkflr ds lc/k es vk dus ds LFkku ij eksvs rksj ij ds fy, vk dh dh x;h gsa ¼?k½ csd ds vius LokfeRo ds ifjljks ls brj vkflr;ks es gq, u, ifjo/kzuks ds ekeys es ewy;âkl dk çko/kku muds ç;ksx es vkus ds ekg ls vksj o"kz ds nksjku nh xbz vkflr;ks ds ekeys es çko/kku ftl ekg es vkflr xbz gs] mlds iwoz ekg rd fd;k tkrk gs A o"kz ds vr es ekstwn csd vius LokfeRo ds ifjljks ij ewy;âkl iwjs o"kz ds fy, çhkkfjr fd;k tkrk gsa fuekz.k ykxr dks rhkh ewy;gzkl fd;k tkrk gs tc Hkou lhkh çdkj ls iwjk gks tkrk gsa 5- vfxze 5-1 vtzd vksj vutzd vkflr;ks ds :i es vfxzeks dk oxhzdj.k vksj muds fy, çko/kku Hkkjrh; fjtoz csd }kjk fu/kkzfjr foosdh ekunmks ds vuqlkj fd;k tkrk gsa 5-2 vfxzeks dh ml jkf'k dks n'kkz;k tkrk gs tks vutzd vkflr;ks ds fy, çko/kku rfkk muds lc/k es C;kt dks veku; C;kt?kVkus ds i'pkr~ 'ks"k cprh gsa 5-3 Hkkjr ds ckgj csfdx bdkb;k % d vfxzeks dk oxhzdj.k mu loxks Z es fd;k x;k gs tslk Hkkjrh; dk;kzy;ks ds fy, gsa b) Deprecition on ssets hve been provided t the rtes furnished below: (In %) Type of Asset Rte of Deprecition Lnd cquired on perpetul lese where no lese period is mentioned Lnd cquired on lese where lese period is mentioned Buildings Nil Over lese period Constructed on free hold lnd nd on lesed lnd, 2.50% where lese period is bove 40 yers Constructed on lesed lnd where lese period is Over lese period below 40 yers Built- up Assets tken over from erstwhile New Bnk of Indi & Nedungdi Bnk Ltd 4.00% Furniture nd fixtures - Steel rticles 5.00% Furniture nd fixtures - wooden rticles 10.00% Mttresses 20.00% Mobile Phone Instruments 33.33% Mchinery, electricl nd miscellneous rticles 15.00% Motor crs nd cycles 15.00% Computers, ATMs nd relted items 33.33% Computer Appliction Softwre Intngible Assets Up to Rs. 5,000 Chrged to Revenue Others 20.00% c) Assets Assets tken over from erstwhile New Bnk of Indi nd Nedungdi Bnk Ltd re deprecited bsed on their estimted life bsed on brod groups / ctegories insted of individul ssets. d) Deprecition on fresh dditions to ssets other thn bnk s own premises is provided from the month in which the ssets re put to use nd in the cse of ssets sold/disposed off during the yer, up to the month preceding the month in which it is sold/ disposed off. The deprecition on bnk s own premises existing t the close of the yer is chrged for full yer. The construction cost is deprecited only when the building is complete in ll respects. 5. ADVANCES: 5.1 Advnces re clssified s performing nd non-performing ssets nd provisions re mde in ccordnce with prudentil norms prescribed by RBI Advnces re stted net of provisions in respect of nonperforming ssets Offices outside Indi / Offshore Bnking Units: ) Advnces re clssified under ctegories in line with those of Indin Offices. 198

201 [k vfxzeks ds lecu/k es çko/kku LFkkuh; dkuwuh vis{kkvks ds vuqlkj vfkok Hkkjrh; fjtoz csd ds ekun.mks ds vuqlkj] tks Hkh vf/kd gs] fd, x, gsa 5-4 csph x;h foùkh; vkflr;ks ds ekeys es fueuor~ igpku gksxh % d- ;fn 'kq) cgh&ewy; ls de ewy; ij fcøh gksrh gs] rks ml vurj dks ykhk o gkfu [kkrs es çhkkfjr fd;k tkrk gs [k- ;fn fcøh 'kq) cgh&ewy; ls vf/kd ewy; ij gksrh gs rks vf/k'ks"k çko/kku dks cpk dj j[kk tkrk gs rkfd vu; vutzd foùkh; vkflr;ks dh fcøh ds dkj.k tks gks mls iwjk fd;k tk ldsa 5-5 vfxzeks ds ds ekeys es Hkkjrh; fjtoz csd ds ekxz&funsz'kks ds vuqlkj çko/kku fd, tkrs gsa 6- fuos k 6-1 fuos'kks dks csfdx fofu;eu vf/kfu;e] 1949 dh rhljh vuqlwph ds QkeZ, es ;FkkfufnZ"V Ng Jsf.k;ks es oxhz r fd;k x;k gsa 6-2 Hkk-fj- csd ds ekxzfunsz'kks ds vuq:i fuos'kks dks ßifjiDork rd j[ks x,ß] ßfcØh gsrq miyc/kß rfkk ßO;kikj gsrq j[ks x,ß Jsf.k;ks es oxhz r fd;k x;k gsa csd }kjk ifjidork rd j[ks tkus dh e'kk ls vftzr çfrhkwfr;ks dks ßifjiDork rd j[kh xbzß Js.kh es j[kk x;k gs A 6-3 csd }kjk vyikof/k ds nj ço`fùk;ks dk ykhk mbkrs gq, O;kikj gsrq j[ks tkus dh e'kk ls vftzr çfrhkwfr;ks dks ßO;kikj gsrq j[ks x,ß fuos'kks es oxhz r fd;k x;k gsa 6-4 tks çfrhkwfr;k mi;qzä nksuks Jsf.k;ks es ugh vkrh mugs ßfcØh gsrq miyc/kß Js.kh ds v/khu oxhz r fd;k x;k gsa 6-5,d Js.kh ls nwljh Js.kh es çfrhkwfr;ks ds vrj.k] vrj.k dh frffk dks vf/kxzg.k ewy;] tks Hkh de gks] ij fd;k x;k gsa ;fn dksbz ewy;ºzkl gks rks,sls vrj.k ij mlds fy, iw.kz çko/kku fd;k tkrk gsa 6-6 fdlh fuos'k dh vf/kxzg.k ykxr dks fu/kkzfjr djus es d- ¼lfClfØI'ku½ ij çkir çfrhkwfr;ks dh ykxr ls dkvh x;h gsa [k- çfrhkwfr;ks ds vf/kxzg.k ds lecu/k es lnùk nykyh] deh'ku vkfn jktlo O;;ks ds :i es le>h tkrh gsa x- çfrhkwfr;ks ds vf/kxzg.k dh frffk;ks rd mifpr C;kt vfkkzr~ [kfmr vof/k C;kt vf/kxzg.k ykxr ls vyx dj fn;k x;k gs vksj mls C;kt O;; ds :i es ekuk x;k gsa çfrhkwfr;ks dh fcøh ij çkir [kfmr vof/k C;kt dks C;kt vk; ekuk x;k gsa 6-7 Hkk-fj- vkbz,e,e Mh, ds fn'kk&funsz'kkuqlkj] fuos'k dk ewy;u fueufyf[kr vk/kkj ij fd;k tkrk gs % i. ifjidork rd j[ks x, % ifjidork rd j[ks x, oxz es ewy;u vtzu ykxr ij fd;k tkrk gsa tgk cgh&ewy; ewy; ls vf/kd gs] b) Provisions in respect of dvnces re mde s per the locl lw requirements or s per the norms of RBI, whichever is higher. 5.4 Finncil Assets sold re recognized s under: ) In cse the sle is t price lower thn the Net Book Vlue (NBV) the shortfll is chrged to the Profit nd Loss Account. b) In cse the sle is t price higher thn the NBV, the surplus provision is retined to meet shortfll/loss on ccount of sle of other non-performing finncil ssets. 5.5 For restructured/rescheduled dvnces, provisions re mde in ccordnce with guidelines issued by RBI. 6. INVESTMENTS 6.1 Investments re clssified into six ctegories s stipulted in form A of the third schedule to the Bnking Regultion Act, Investments hve been ctegorized into Held to Mturity, Avilble for Sle nd Held for Trding in terms of RBI guidelines. Securities cquired by the Bnk with n intention to hold till mturity is clssified under Held to Mturity. 6.3 The securities cquired by the Bnk with n intention to trde by tking dvntge of short-term price/ interest rte movements re clssified under Held for Trding. 6.4 The securities, which do not fll within the bove two ctegories, re clssified under Avilble for Sle. 6.5 Trnsfer of securities from one ctegory to nother is crried out t the lower of cquisition cost/book vlue/mrket vlue on the dte of trnsfer. The deprecition, if ny, on such trnsfer is fully provided for. 6.6 In determining cquisition cost of n investment. Brokerge / commission received on subscription is deducted from the cost of securities. b. Brokerge, commission etc. pid in connection with cquisition of securities re treted s revenue expenses. c. Interest ccrued up to the dte of cquisition of securities i.e. broken period interest is excluded from the cquisition cost nd the sme is ccounted in interest ccrued but not due ccount. 6.7 Investments re vlued s per RBI/ FIMMDA guidelines, on the following i. Held to Mturity Investments under Held to Mturity ctegory re crried t cquisition cost. Wherever the book vlue is higher 199

202 ogk çhfe;e ifjidork dh 'ks"k vof/k es ifj'kksf/kr fd;k tkrk gsa m llfkkvks es fd, x, fuos'k dk ewy;kdu j[kko ykxr es ls ewy;ºzkl ¼vLFkk;h ds vfrfjä½?kvkdj fd;k tkrk gsa çk;ksftr {ks=h; xzkeh.k csdks es fd, x, fuos'k dk ewy;kdu j[kko ykxr ij fd;k tkrk gsa m e iw th es fuos'kks dk ewy;kdu j[kko ykxr ij fd;k tkrk gsa ii½ fcøh gsrq miyc/k rfkk O;kikj gsrq j[ks x, % thn the fce vlue/redemption vlue, the premium is mortized over the remining period to mturity. Investments in subsidiries/joint ventures/ssocites re vlued t crrying cost less diminution, other thn temporry, in nture. Investments in sponsored regionl rurl bnks re vlued t crrying cost. Investment in venture cpitl is vlued t crrying cost. ii. Avilble for Sle nd Held for Trding d ljdkjh çfrhkwfr;k I. dsuæh; ljdkj dh çfrhkwfr;k II. jkt; ljdkjks dh çfrhkwfr;k [k ds ljdkjks }kjk xkjvh'kqnk çfrhkwfr;k] lkoztfud {ks= ds miøeks ds ck.m ¼vfxzeks dh çd`fr ds ugh½ x Ä Vªstjh fcy bfdovh 'ks;j M- vf/keku 'ks;j p- c/ki= vksj fmcspj ¼vfxzeks dh çñfr ds ugh½ N- E;wpqvy Q.Mks ds ;wfuv t- okf.kft;d isij > tek çek.ki=,vkjlhvkbz,y dh çfrhkwfr jlhns V B m e iw th fuf/k;k vu; fuos'k fqdlm bde euh ekfdzv,.m MsfjosfVOl,lksfl,'ku v Q bfm;k ¼,QvkbZ,e,eMh,½ }kjk ;Fkk çdkf'kr cktkj fjtoz csd ds ekxz funsz'kks ds vuqlkj mi;qä ifjidork çkfir vk/kkj fjtoz csd ekxz funsz'kks ds vuqlkj mi;qä ifjidork çkfir vk/kkj ij j[kko ykxr ij ;fn dksv fd;k x;k gks rks cktkj ewy; ij vu;fkk uohure rqyu&i= ¼tks,d o"kz ls iqjkuk u gks½ ds vuqlkj 'ks;jks ds czsd&vi ewy; ij] vu;fkk çfr diuh ;fn dksv fd;k x;k gks rks cktkj ewy; ij vu;fkk Hkkjrh; fjtoz ekxzfunsz'kks ds vuqlkj mi;qä ifjidork ij fdrq çfrnku ewy; ls vf/kd ugh ;fn dksv fd;k x;k gks rks cktkj ewy; ij vu;fkk Hkkjrh; fjtoz ekxzfunsz'kks ds vuqlkj] mi;qä ifjidork çfrqy ij ;fn dksv fd;k x;k gks rks LV d,dlpst ds Hkko ds vuqlkj vksj ;fn dksv u fd;k x;k gks rks iqu[kzjhn ij j[kko ykxr ij j[kko ykxr ij,vkjlhvkbz,y }kjk dh xbz?kks"k.kk ds vuqlkj vkflr ds 'kq) vkflr ewy; ij m e iw th fuf/k;ks }kjk dh xbz?kks"k.kk ds vuqlkj vkflr ds 'kq) vkflr ewy; ij j[kko ykxr es ls ºzkl?kVkdj ) Govt. Securities I. Centrl Govt. Securities II. Stte Govt. Securities b) Securities gurnteed by Centrl / Stte Government, PSU Bonds (not in the nture of dvnces) c) Tresury Bills d) Equity shres e) Preference shres f) Bonds nd debentures (not in the nture of dvnces) g) Units of mutul funds h) Commercil pper i) Certificte of Deposits j) Security receipts of ARCIL k) Venture Cpitl Funds l) Other Investments At mrket prices/ytm s published by Fixed Income Money Mrket And Derivtives Assocition of Indi (FIMMDA) On pproprite yield to mturity bsis s per FIMMDA/RBI guidelines. On pproprite yield to mturity bsis s per FIMMDA/RBI guidelines At crrying cost At mrket price, if quoted, otherwise t brek up vlue of the Shres s per ltest Blnce Sheet (not more thn one yer old), otherwise t Re.1 per compny At mrket price, if quoted or on pproprite yield to mturity bsis not exceeding redemption vlue s per RBI/FIMMDA guidelines. At mrket price, if quoted, or on pproprite yield to mturity bsis s per RBI/FIMMDA guidelines. As per stock exchnge quottion, if quoted; t repurchse price/nav, if unquoted At crrying cost At crrying cost. At net sset vlue of the sset s declred by ARCIL At net sset vlue (NAV) declred by the VCF At crrying cost less diminution in vlue fcøh gsrq miyc/k rfkk O;kikj gsrq j[ks x, oxz es mi;qzä ewy;kdu fløi okj fd;k tkrk gs rfkk çr;sd Js.kh es oxzokj dh tkrh gs A ; fi 'kq) ewy;âkl O;ofLFkr fd;k tkrk gs rfkkfi 'kq) o`f) n'kkz;h ugh tkrha The bove vlution in ctegory of Avilble for Sle nd Held for Trding re done scrip wise nd deprecition/ pprecition is ggregted for ech clssifiction. Net deprecition for ech clssifiction, if ny, is provided for while net pprecition is ignored. 200

203 6-8 Hkk- fj- csd ds,u-ih-vkbz- oxhzdj.k ds foosdh ekunmks ds vuq:i fuos'kks ij mi;qä çko/kkuhdj.k rfkk vk; veku;hdj.k ykxw fd;s tkrs gsa vfxzeks ds :i es vutzd çfrhkwfr;ks ds lc) es vu; vtzd çfrhkwfr;ks ds lc/k es o`f) ds le{k letu ugh fd;k x;k gsa 6-9 fdlh Hkh Js.kh ds fuos kks ds fcøh ls gq, dks ykhk o gkfu [kkrs es ys tk;k tkrk gs fdrq ifjidork gsrq j[ks x;s Js.kh ds fuos kks dh fcøh ls gq, ykhk ds ekeys es lerqy; jkf'k iwwth çkjf{kr fuf/k [kkrs es fofu;ksftr dh tkrh gs A 6-10 okil [kjhn O;oLFkk ds vurxzr iqu[kzjhnh csph x;h çfrhkwfr;ks dks mudh ewy ykxr ij fy;k tkrk gsa 6-11 ysu&nsu vfkok çfrj{kk ds ç;kstu ls O;qRiUu ¼MsfjosfVOt½ ysunsu fd, x, gsa O;kikfjd ysunsu cktkj ewy; ij gs A Hkkjrh; fjtoz csd ds fn'kk funsz'kkuqlkj vnykcnyh dh fofhkuu Jsf.k;ks dk fueuor~ ewy;u fd;k x;k gs % çfrj{kk vnykcnyh C;kt nj vnyk&cnyh tks C;kt okgd vkflr vfkok ns;rk dh çfrj{kk djrk gs] mip; vk/kkj ij ys[kkfdr fd;k tkrk gs] fdlh vkflr vfkok ns;rk ds lkfk vfhkfgr vnykcnyh dks NksM+dj] tks foùkh; fooj.kh es cktkj ewy; vfkok de dher vfkok cktkj ewy; ij yh tkrh gsa vnykcnyh dh lekfir ij ykhk vfkok gkfu;ks dks vnykcnyh ds U;wurj cdk;k lfonkxr thou vfkok dh 'ks"k vofèk ij eku;rk nh tkrh gsa O;kikfjd vnykcnyh O;kikfjd vnykcnyh ysu&nsu fjd MZ fd, x, ifjorzuks lfgr foùkh; foojf.k;ks es cktkj ewy; dh rqyuk es fpfugr fd;k tkrk gsa 6-12 fons kh eqæk fodyi fdlh vu; csd ds lkfk csd Vw csd dvªsdv ds lkfk csd }kjk fyf[kr fons'kh eqæk fodyi cktkj ewy; ij ugh gs] D;ksfd bles cktkj tksf[ke ugh gsa çkir çhfe;e dks ns;rk ds :i es j[kk x;k gs vksj fujlrhdj.k ij ykhk o gkfu [kkrs es vurfjr fd;k x;k gsa 7- fons kh eqæk ls lcf/kr ysu&nsuks dk ifjorzu vksj ks k 7-1 iwozorhz ynu flfkr 'kk[kkvks ds vfxzeks dks NksM+dj] ftudk Hkkjr es vrj.k dh frffk dks ykxw fofue; njks ds vk/kkj ij ifjorzu fd;k x;k gs] Hkkjrh; fons'kh eqæk O;kikjh l?k ¼QsMkbZ½ ds ekxzfunsz'kks ds vuqlkj o"kz dh lekfir ij fofue; njks ds vk/kkj ij eksfæd vkflr;ks es rfkk ns;rkvks] xkjfv;ks] Loh fr;ks] i`"bkduks o vu; nkf;roks dks lerqy; Hkkjrh; #i;s es ifjofrzr fd;k x;k gsa 7-2 vpy vkflr;ks ls brj xsj&eksfæd enks dk ifjorzu ysu&nsu dh frffk dks çhkkoh fofue; njks ij fd;k tkrk gsa 6.8 Investments re subject to pproprite provisioning/derecognition of income, in line with the prudentil norms of Reserve Bnk of Indi for NPI clssifiction. The deprecition/ provision in respect of non-performing securities is not set off ginst the pprecition in respect of the other performing securities. 6.9 Profit or loss on sle of investments in ny ctegory is tken to Profit nd Loss ccount but, in cse of profit on sle of investments in Held to Mturity ctegory, n equivlent mount is pproprited to Cpitl Reserve Account Securities repurchsed/resold under buy bck rrngement re ccounted for t originl cost The derivtives trnsctions re undertken for trding or hedging purposes. Trding trnsctions re mrked to mrket. As per RBI guidelines, different ctegory of swps re vlued s under: Hedge Swps Interest rte swps which hedges interest bering sset or libility is ccounted for on ccrul bsis except the swp designted with n sset or libility tht is crried t mrket vlue or lower of cost in the finncil sttement. Gin or losses on the termintion of swps re recognized over the shorter of the remining contrctul life of the swp or the remining life of the sset/libilities Trding Swps Trding swp trnsctions re mrked to mrket with chnges recorded in the finncil sttements Foreign currency options: Foreign currency options written by the bnk with bck-tobck contrct with nother bnk is not mrked to mrket since there is no mrket risk. Premium received is held s libility nd trnsferred to the Profit nd Loss Account on mturity/cncelltion. 7. TRANSLATION OF FOREIGN CURRENCY TRANSACTIONS & BALANCES: 7.1 Except Except dvnces of erstwhile London brnches which re ccounted for t the exchnge rte previling on the dte of prking in Indi, ll other monetry ssets nd libilities, gurntees, cceptnces, endorsements nd other obligtions re trnslted in Indin Rupee equivlent t the exchnge rtes previling t the end of the yer s per Foreign Exchnge Delers Assocition of Indi (FEDAI) guidelines Non-monetry items other thn fixed ssets re trnslted t exchnge rte previling on the dte of trnsction. 201

204 7-3 ok;nk fofue; lfonkvks dks Hkkjrh; fons'kh eqæk O;kikfjd l?k }kjk o"kz ds vr es vf/klwfpr fofue; nj ij ifjofrzr fd;k tkrk gs vksj QyLo:i ewy;kdu ij gq, dks ykhk o gkfu [kkrs es fn[kk;k tkrk gsa 7-4 vk; rfkk O;; dh ens ysu&nsu dh rkjh[k dks çpfyr fons'kh fofue; nj ij ifjofrzr dh tkrh gsa 7-5 fons kh csfdx bdkb;k % fons'kh 'kk[kk vksj virvh; csfdx ;wfuv ds ifjpkyuks dks ßxSj lekdfyr fons'kh ifjpkyuksß es oxhz r fd;k x;k gs vksj fons'k es çfrfuf/k dk;kzy;ks ds ifjpkyuks dks ßlekdfyr fons'kh ifjpkyuksß ds :i es oxhz r fd;k x;k gsa lekdfyr fons'kh ifjpkyuks ds fons'kh eqæk ysunsuks vksj xsj lekdfyr fons'kh ifjpkyuks dks Hkkjrh; lunh ys[kkdkj llfkfku }kjk tkjh ys[kkdu ekud&11 }kjk fd;s x;s fu/kkzj.k ds vuqlkj fd;k x;k gsa xsj lekdfyr ifjpkyuks ds ykhk gkfu dks fofue;?kv&c<+ çkjf{kr fuf/k es fd;k x;k gsa 8- vk; ij dj % o"kz ds fy, dj ;ksx; vk; ds lecu/k es lns; dj dh jkf'k ij pkyw dj dk fu/kkzj.k gksrk gs rfkk rnuqlkj dj ds fy, çko/kku fd;k tkrk gsa vklfkfxr dj çhkkj vfkok ØsfMV dh igpku mu dj njks dk blrseky djrs gq, dh tkrh gs tks rqyui= frffk }kjk vf/kfu;fer fd, x, vfkok olrqr% vf/kfu;fer fd, x,a vkbz lh, vkbz }kjk tkjh ys[kkdu ekud 22 dh 'krkz/khu vklfkfxr dj ns;rk ds fy, çko/kku çr;sd rqyui= frffk ij leh{kk ds vk/kkj ij fd;k tkrk gs vksj vklfkfxr dj vkflr;k dsoy rhkh eku; gksrh gs tc,slh vkflr;ks dh Hkfo"; es olwyh gksuk oklro es lqfuf'pr gksrk gs A vklfkfxr dj dh iqujh{kk o"kz ds nksjku gqbz çxfr ds vk/kkj ij çr;sd rqyui= frffk dks dh tkrh gs A 9- dezpkjh ykhk % 9-1 Hkfo ; fuf/k Hkfo"; fuf/k,d lqifjhkkf"kr v'knku ;kstuk gs vksj csd iwoz fu/kkzfjr njks ij fuf'pr~ v'knku dk Hkqxrku djrk gsa csd dk nkf;ro,sls fuf'pr~ v'knku rd lhfer gsa ;s v'knku o"kz ds ykhk o gkfu [kkrs es çhkkfjr fd, tkrs gs A 9-2 minku minku ns;rk,d lqifjhkkf"kr ykhk nkf;ro gs vksj foùkh; o"kz ds vr es fd, x, chekfdr ewy;kdu ds vk/kkj ij fn;k tkrk gs A ;g ;kstuk csd }kjk foùk iksf"kr gs vksj,d vyx VªLV }kjk pykbz tkrh gs A 9-3 is ku is'ku ns;rk,d lqifjhkkf"kr ykhk nkf;ro gs vksj foùkh; o"kz ds vr es fd, x, chekfdd ewy;k du ds vk/kkj ij fn;k tkrk gsa ;g 7.3. Forwrd exchnge contrcts re trnslted t the yer end rtes notified by FEDAI nd the resultnt gin/loss on evlution is tken to Profit nd Loss Account Income nd expenditure items re ccounted for t the exchnge rte previling on the dte of trnsction Offices outside Indi / Offshore Bnking Units: 7.5.1Opertions of foreign brnches nd off shore bnking unit re clssified s non-integrl foreign opertions nd opertions of representtive offices brod re clssified s integrl foreign opertions Foreign currency trnsctions of integrl foreign opertions nd non-integrl foreign opertions re ccounted for s prescribed by AS-11 issued by The Institute of Chrtered Accountnts of Indi Exchnge fluctution on Profit/Loss of non-integrl opertions re credited/debited to exchnge fluctution reserve. 8. TAXES ON INCOME: Current tx is determined on the mount of tx pyble in respect of txble income for the yer nd ccordingly provision for txes re mde. The deferred tx chrge or credit is recognized using the tx rtes tht hve been encted or substntilly encted by the Blnce Sheet dte. In terms of Accounting Stndrd 22 issued by The Institute of Chrtered Accountnts of Indi, provision for deferred tx libility is mde on the bsis of review t ech Blnce Sheet dte nd deferred tx ssets re recognized only if there is virtul certinty of reliztion of such ssets in future. Deferred tx ssets/ libilities re reviewed t ech Blnce Sheet dte bsed on developments during the yer. 9. EMPLOYEE BENEFITS: 9.1 Provident Fund: Provident fund is defined contribution scheme s the Bnk pys fixed contribution t pre-determined rtes. The obligtion of the Bnk is limited to such fixed contribution. The contributions re chrged to Profit nd Loss Account. 9.2 GRATUITY: Grtuity libility is defined benefit obligtion nd is provided for on the bsis of n cturil vlution mde t the end of the finncil yer. The scheme is funded by the Bnk nd is mnged by seprte Trust. 9.3 PENSION: Pension libility is defined benefit obligtion nd is provided for on the bsis of n cturil vlution mde t the end of 202

205 ;kstuk csd }kjk foùk iksf"kr gs vksj,d vyx VªLV }kjk pykbz tkrh gsa 9-4 {kfriwjd vuqiflfkfr;k % mifpr {kfriwjd vuqiflfkfr;k tsls vftzr Nqfê;k vksj chekjh dh Nqfê;k ¼vç;qä vkdfled Nqfê;k ½ chekfdd ewy;k du vk/kkj ij nh tkrh gsa 9-5 vu; dezpkjh ykhk vu; dezpkjh ykhk tsls Nqêh fdjk;k fj;k;r] flyoj tqcyh vokmz] fpfdrlk ykhk br;kfn chekfdd ewy;kdu ds vk/kkj ij fd, tkrs gsa 9-6 fons'kh 'kk[kkvks vksj dk;kzy;ks ds lecu/k es çfrfu;qfä ij x;s dezpkfj;ks dks NksM+dj vu; dezpkfj;ks ds lecu/k es ykhkks dks lecfu/kr ns'kks es çpfyr dkuwuks ds vuqlkj fglkc es fy;k tkrk gsa 10- vkflr;ks dh vlkeku;rk vlkeku; gkfu;ks] ;fn gs] dh vkbzlh,vkbz }kjk bl lc/k es tkjh ys[kkdu ekud ds vuqlkj igpku dh x;h gs vksj iquewzy;kfdr vkflr;ks ij vutzd gkfu;ks dks iquewzy;u fxjkov ds :i es ekuk x;k gsa 11- jktlo eku;rk 11-1 ¼ isjk 11-4 es lnfhkzr enks ls fhkuu ½ dks lkeku;r% mip; vk/kkj ij ys[kkfdr fd;k tkrk gsa 11-2 Hkkjrh; fjtoz csd ds ekxzfunsz'kks ds vuqlkj vutzd vkflr;ks lc/kh vk; dks mudh olwyh gksus ij eku;rk nh tkrh gsa 11-3 vutzd vfxzeks [kkrks dh olwfy; ¼olwyh dkjzokbz dk dh ijokg fd, cxsj½ fueufyf[kr çkfkfedrk Øe es fofu;ksftr dh tkrh gs %& d- olwyh gsrq mifpr [kpz ¼igys mpr ns;ks es fjdkmz fd;s x;s½ [k- çeq[k vfu;ferrk;s vfkkzr~ [kkrs es cdk;k x- C;kt C;kt ds çfr 11-4 deh'ku ¼ljdkjh dkjksckj ij deh'ku dks NksM+dj½] vfrns; fcyks ij C;kt] fofue;] y dj fdjk;s] eps ZV csfdx ysu&nsuks ls çkir vk; vksj ykhkk'k vk; olwyh ij rfkk chek nkoks dks fuivku ij ys[kkfdr fd;k tkrk gsa 11-5 vk;dj ds fjqmks ij C;kt ds :i es çkir vk; dks lcf/kr çkf/kdkfj;ks }kjk ikfjr vkns'k ds o"kz es ys[kkfdr fd;k tkrk gsa 12- vu; % ifjido fe;knh tek jkf'k;ks ij vnùk C;kt rfkk fcuk nkos dh jkf'k;ks dk ys[kkdu cpr csd njks ij fd;k tkrk gsa the finncil yer. The scheme is funded by the Bnk nd is mnged by seprte Trust. 9.4 COMPENSATED ABSENCES: Accumulting compensted bsences such s Privilege Leve (PL) nd Sick Leve (including un-viled csul leve) is provided for bsed on cturil vlution. 9.5 Other Employee Benefits Other Employee benefits such s Leve Fre Concession (LFC), Silver jubilee wrd, Medicl Benefits etc. re provided for bsed on cturil vlution. 9.6 In respect of overses brnches nd offices, the benefits in respect of employees other thn those on deputtion re ccounted for s per lws previling in the respective countries. 10. Impirment of Assets Impirment loss, if ny, is recognized in ccordnce with the Accounting Stndrds issued in this regrd by The Institute of Chrtered Accountnts of Indi nd impirment loss on ny re-vlued sset is treted s revlution decrese. 11. REVENUE RECOGNITION 11.1 Income / expenditure (other thn items referred to in prgrph 11.4) is generlly ccounted for on ccrul bsis Income on non-performing ssets is recognized on relistion s per RBI guidelines Recoveries in NPA ccounts (irrespective of the mode / sttus / stge of recovery ctions) re pproprited in the following order of priority :- ) Expenditure/out of pocket Expenses incurred for recovery (erlier recorded in memorndum dues); b) Principl irregulrities i.e. NPA outstnding in the ccount. c) Towrds the interest irregulrities/ccrued interest Commission (excluding on Government business), interest on overdue bills, exchnge, locker rent, income from merchnt bnking trnsctions nd dividend income re ccounted for on reliztion nd insurnce clims re ccounted for on settlement Income from interest on refund of income tx is ccounted for in the yer the order is pssed by the concerned uthority. 12. OTHERS: Interest on unpid nd unclimed mtured term deposits re ccounted for t svings bnk rtes. 203

206 ys[kks ij fviif.k;k 1- lesfdr foùkh; fooj.k&i=ks es ftu vuq kfx;ks ij fopkj fd;k x;k gs] os fueufyf[kr gs% ¼% es½ vuq kxh dk uke dgk xfbr gqbz fueufyf[kr frffk;ks dks /kkfjr çfr kr erkf/kdkj ih,uch fxyvl fyfevsm* Hkkjr ih,uch gkmflx Qkbusl fyfevsm** Hkkjr itkc us'kuy csd ;w-ds ¼bVjuS'kuy½ fyfevsm 4- ih,uch buoslvesv lfozlst fyfevsm Hkkjr Mªd ih,uch csd fy- HkwVku ih,uch thou chek d- fy- # Hkkjr & ih,uch chek czksfdx çk- fy- Hkkjr ts,llh,lch ih,uch dtkf[klrku dtkf[klrku ** bu dk;kzy;ks ds foùkh; fooj.k i= deiuh vf/kfu;e] 1956 dh /kkjk 619 ¼3½ ds vurxzr Hkkjr ds fu;u=d,o egkys[kkijh{kd }kjk vuqiwjd ys[kk&ijh{kk iwjh gksus ij fjiksvz dh çkfir ds v/;/khu gsa ** u, bfdovh 'ks;jks ds tkjh djus ds QyLoy:i ih,uch gkmflx QkbZusl fy- es csd LokfeRo dk fgllk 74% ls?kvdj 51-01% jg x;k gsa # diuh lekfir v/khu gs vksj diuh ds ikl miyc/k vkflr;ks dk 'ks"k 'ks;j/kkjdks ds chp ckvk x;k gsa diuh dks ekuuh; mpp U;k;ky; }kjk vrr% cn fd;k tkuk gsa 2- lesfdr foùkh; fooj.k i=ks ds fy, fueufyf[kr lg;ksxh llfkkvks ij fopkj fd;k x;k gs% ¼% es½ lg;ksxh deiuh dk uke fdl ns'k es fueufyf[kr frffk;ks dks xfbr gqbz LokfeRo dk çfr'kr e/; fcgkj xzkeh.k csd Hkkjr gfj;k.kk xzkeh.k csd Hkkjr fgekpy xzkeh.k csd* Hkkjr itkc xzkeh.k csd Hkkjr jktlfkku xzkeh.k csdd** Hkkjr 'kwu; loz ;wih xzkeh.k csd Hkkjr vlsv~l ds;j,.m fjdlvªd'ku Hkkjr 30 30,UVjçkbt fy- 8-,ojsLV csd fyfevsm usiky fçfliy ih,uch,lsv Hkkjr esustesv d-çk-fy- 10- fçfliy VªLVh d- çk-fy- Hkkjr bfm;k QSDVfjx,M Qkbukl Hkkjr lksy;w'kt çk-fy- 12- ih,uch esvykbq bfm;k Hkkjr 30 'kwu; b';ksjsl diuh fy-d*** * fgekpy xzkeh.k csd dks,d ubz llfkk fgekpy çns'k xzkeh.k csd ¼,pihthch½] emh es foy; fd;k x;k A iwozorhz iozrh; xzkeh.k csd es,lchvkbz ds 'ks;j ¼:i;s yk[k yk[k dqy :i;s yk[k½,lchvkbz dks ugh fn;s x;s gs A vr% dks ih,uch dk LVsd,pihthch] emh dh iwth es çfr'kr gs vksj,lchvkbz dk 8-58 çfr'kr gs A ** gekjs csd }kjk çk;ksftr jktlfkku xzkeh.k csd vyoj dks,d ubz llfkk cmksnk&jktlfkku {ks=h; xzkeh.k csd es foy; gqvk gs A ih,uch us iwozorhz jktlfkku xzkeh.k csd es viuh iwth ds 35 çfr'kr 'ks;j vksj 'ks;j dsfivy fmikftv vdkmv jkf'k :i;s yk[k ekpz 2013 es okfil ys fy, gs A *** csd us fnukd dks ih,uch esvykbq b';ksjs'k diuh fy- us 30 çfr'kr LVsd vf/kxzg.k fd;k gs vksj ;g bl frffk ls csd dh,d lg;ksxh llfkk gks xbz gsa NOTES ON ACCOUNTS 1. The subsidiries considered in the preprtion of the consolidted finncil sttements re: (In %) Nme of the Country of % Voting power Subsidiry Compny incorportion held s t 31st Mrch, 31st Mrch, PNB Gilts Limited* Indi PNB Housing Finnce Limited** Indi Punjb Ntionl Bnk United (Interntionl) Ltd. Kingdom 4. PNB Investment Services Ltd. Indi Druk PNB Bnk Ltd. Bhutn PNB Life Insurnce Co. Ltd. # Indi PNB Insurnce Broking Pvt. Ltd. Indi JSC SB PNB Kzkhstn Kzkhstn * The finncil sttements of these compnies re subject to receipt of report on completion of Supplementry Audit by the Comptroller & Auditor Generl of Indi, under section 619(3) of the Compnies Act, ** Consequent to the issue of fresh equity shres, the proportion of ownership interest of the Bnk in PNB Housing Finnce Limited hs reduced to 51.01% from 74%. # The Compny is under liquidtion nd the blnce of ssets vilble with the compny hs been distributed mongst the shreholders. The compny is finlly required to be wound up by Hon ble High Court 2. Assocites considered in consolidted finncil sttements re s under: (In %) Nme of the Country of Proportion of ownership Associte Compny incorportion percentge s t 31st Mrch, 31st Mrch, Mdhy Bihr Grmin Bnk Indi Hryn Grmin Bnk Indi Himchl Grmin Bnk* Indi Punjb Grmin Bnk Indi Rjsthn Grmin Bnk** Indi Nil Srv UP Grmin Bnk Indi Assets Cre & Reconstruction Indi Enterprises Ltd. 8. Everest Bnk Ltd. Nepl Principl PNB Asset Mngement Co. Pvt. Ltd. Indi Principl Trustee Co. Pvt. Ltd. Indi Indi Fctoring & Finnce Solutions Pvt Ltd. Indi PNB Metilife Indi Insurnce Indi 30 Nil Compny Ltd*** * Himchl Grmin Bnk hs been mlgmted on into new entity Himchl Prdesh Grmin Bnk, Mndi. Shre (` 35.00lcs lcs totl ` lcs) of SBI in erstwhile Prvtiy Grmin Bnk hs not been cpitulted to SBI. Hence the stke of PNB is 26.42% in the cpitl of HPGB, Mndi nd tht of SBI is 8.58% s on ** Rjsthn Grmin Bnk, Alwr sponsored by our Bnk hs been mlgmted into new entity Brod Rjsthn Kshetriy Grmin Bnk w.e.f PNB hs received bck its 35% shre in Cpitl nd Shre Cpitl Deposit Account in erstwhile Rjsthn Grmin Bnk in the month of Mrch, 2013 mounting to ` lcs *** The Bnk cquired 30% stke in PNB Metlife Indi Insurnce compny Limited on nd it becme n Associte of the Bnk w.e.f tht dte 204

207 ikn fvii.kh% 2-1,ojsLV csd fyfevsm dk ys[kkdu o"kz gekjs csd ls fhkuu gsa 2-2 o"kz 2012&13 ds fy, fueufyf[kr lg;ksxh deifu;ks ls çkir xsj ys[kk&ijhf{kr foùkh; fooj.k i=ks ds vk/kkj ij ys[kks es csd ds 'ks;j ds fo"k; es fopkj fd;k x;k gsa d- fçfliy VªLVh deiuh çk-fy- [k- fçfliy ih,uch vlsv esustesv deiuh çk-fyx- vlsv~l ds;j,vjçkbft+t+ fy-?k-,ojslv csd fy-] usiky M- bfm;k QSfDVfjx,M Qkbus l l Y;w'kUl çk-fyp- ih,uch esvykbq bfm;k b';ksbjsl diuh fy- 2-3 iw th çkjf{kr dk fooj.k fueufyf[kr gs %& ¼#- djksm+ es½ fooj.k dh flfkfr dh flfkfr lk[k 'kwu; 0-23 iw th çkjf{kr fuf/k 'kwu; lk[k ¼'kq)½ 'kwu; 0-00 lesdu ij iwth çkjf{kr fuf/k csfe;knh m/kkjks ds :i es Øe k% Vh;j&A vksj Vh;j&AA iw th fueuor~ tqvkbz gsa ¼#- djksm+ es½ fooj.k dks dks o"kz ds nksjku yksvj Vh;j&AA iw th ds :i es 'kwu; 'kwu; tqvkbz xbz xks.k _.k dh jkf'k o"kz ds nksjku vij Vh;j&AA iw th ds :i es 'kwu; tqvkbz xbz xks.k _.k dh jkf'k o"kz ds nksjku Vh;j&A iw th ds :i es tqvkbz 'kwu; 'kwu; xbz csfe;knh c/ki=ks dh jkf'k 3- csd lewg dk iw th i;kzirrk vuqikr ¼csly&A vksj csly&aa ½ fueufyf[kr gs% csly&a csly&aa lhvkj,vkj % 12-70% 12-30% 13-16% 12-96% lhvkj,vkj&vh;j&iwth¼%½ 9-66% 8-96% 10-10% 9-40% lhvkj,vkj&vh;j&iwth¼%½ 3-04% 3-34% 3-16% 3-56% 4- ys[kk ekudks }kjk visf{kr çdvhdj.k 4-1 ys[kk ekud&5 iwoz vof/k vksj ys[kkdu uhfr es ifjorzu Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kk ekud&5 ds v/khu dksbz egroiw.kz iwoz&vof/k dk çdvhdj.k visf{kr ugh gsa Footnote: 2.1 Everest Bnk Ltd. follows ccounting yer different from tht of the Prent. 2.2 The bnk s shre in the following Assocites hve been considered in the ccounts on the bsis of un-udited finncil sttements received for the yer ) Principl Trustee Co. Pvt. Ltd. b) Principl PNB Asset Mngement Co. Pvt. Ltd. c) Assets Cre Enterprises Ltd. d) Everest Bnk Ltd. Nepl e) Indi Fctoring nd Finnce Solutions Privte Limited f) PNB Metlife Indi Insurnce Compny Limited 2.3 The brek-up of Cpitl Reserve/Goodwill is s follows: - (` in Crores) Prticulrs As on As on Goodwill NIL 0.23 Cpitl Reserves NIL Goodwill (Net) NIL 0.00 Cpitl Reserve on Consolidtion Perpetul bonds/subordinted debt rised s Tier I nd Tier II Cpitl: (` in Crores) Prticulrs As on As on Amount of subordinted debt rised s Lower Tier-II Cpitl during the yer NIL NIL Amount of subordinted debt rised s Upper Tier-II Cpitl during the yer NIL Amount of perpetul bonds rised s Tier-I Cpitl during the yer NIL NIL 3. The cpitl dequcy rtio (Bsel I nd Bsel II) of the bnk group is: Bsel I Bsel II CRAR% 12.70% 12.30% 13.16% 12.96% CRAR Tier I cpitl (%) 9.66% 8.96% 10.00% 9.40% CRAR Tier II cpitl (%) 3.04% 3.34% 3.16% 3.56% 4. Disclosures required by Accounting Stndrds 4.1 AS 5 - Prior Period nd Chnge in Accounting Policy There were no mteril prior period income/expenditure items requiring disclosure under AS-5 issued by The Institute of Chrtered Accountnts of Indi. 205

208 4-2 ys[kk ekud 6 % ewy;ºzkl ys[kk fof/k o"kz es vkflr;ks ds çr;sd oxz ds fy, fd, x, ewy;ºzkl dk C;kSjk ¼¼`. djksm+ es½ fooj.k ¼vkfLr Js.kh½ dks lekir o"kz dks lekir o"kz ifjlj vu; vpy vkflr;k iês okyh vkflr;k dei;wvj l Vos;j tksm ys[kk ekud 9 % jktlo igpku ftl vk; dks olwyh ds vk/kkj ij ys[kkfdr fd;k x;k gs mls egroiw.kz ugh ekuk x;k gsa 4-4 ys[kk ekud 11 fons'kh fofue; njks es ifjorzu% fons'kh fofue; mrkj p<+ko fuf/k dh?kvc<+ % ¼`. djksm+ es½ fooj.k jkf'k 01 vçsy 2012 dks 'ks"k ls dh vof/k es fd;k x;k ØsfMV vof/k ds nksjku vkgfjr dks 'ks"k ys[kk ekud 15&deZpkjh ykhk % ys[kk ekud 15&¼l'kksf/kr½ dk vxhdj.k % csd us ls Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kk ekud & 15 ¼l'kksf/kr½ & dezpkjh ykhk dks vxhdkj fd;k gsa csd us ys[kk&cfg;ks es rqyu&i= frffk dks ;kstuk vkflr;ks ds mfpr ewy; dks?kvkdj ns;rk ds orzeku ewy; dh jkf'k ds :i es dezpkjh ykhkks ls vk;h ns;rk dks eku; fd;k gs A dezpkfj;ks ds fy, is'ku fodyi [kksyuk rfkk minku lhek es o`f) o"kz 2010&11 ds nksjku ewy csd us vius mu dezpkfj;ks ds fy, is'ku fodyi [kksy fn;k ftugksus igys is'ku;kstuk ds vurxzr fodyi ugh fn;k FkkA bl fodyi dk ç;ksx fd;s tkus ds QyLo:i dezpkfj;ks ds dkj.k csd dh ns;rk #i;s djksm+ gqbz gs A blds vykok o"kz 2010&11 ds nksjku minku Hkqxrku vf/kfu;e] 1972 es l'kks/ku ds QyLo:i dezpkfj;ks dks ns; minku dh ewy csd dh lhek Hkh c<+ x;h FkhA blds QyLo:i csd dh minku ns;rk es djksm+ dh o`f) gqbz A bu ns;rkvks dh x.kuk chekfdd ewy;kdu ds vk/kkj ij dh tkrh gsa ys[kk ekud 15] dezpkjh ykhk dh vis{kkvks ds vuqlkj #i;s djks ¼#i;s djksm +#i;s djksm+½ dks ykhk o gkfu [kkrs es çhkkfjr fd;k tkuk visf{kr gs A cgjgky] Hkkjrh; fjtoz csd us lkoztfud {ks= ds csdks ds dezpkfj;ks ds fy, is'ku fodyi iqu% [kksyuk rfkk minku lhekvks es o`f) & foosdiw.kz fofu;ked O;ogkj fo"k; ij 9 Qjojh] 2011 dk ifji= l[;k tkjh fd;k gs A 4.2 AS 6 - Deprecition ccounting Brek up of totl deprecition for the yer for ech clss of ssets (` in Crores) Prticulrs (Clss of Assets) Yer ended Yer ended Premises Other fixed ssets Lesed ssets Computer softwre Totl AS 9 - Revenue Recognition The income which hs been ccounted on reliztion bsis re not considered to be mteril. 4.4 AS 11- Chnges in foreign exchnge rtes: Movement of Exchnge Fluctution Reserve (` In Crore) Prticulrs Amount Blnce s t 1 st April Credited during the period to Withdrwn during the period 2.49 Blnce s t AS 15 Employees Benefits: ADOPTION OF AS 15(R): The Bnk hs dopted Accounting Stndrd 15(R) - Employee Benefits, issued by the Institute of Chrtered Accountnts of Indi (ICAI), with effect from 1st April The Bnk recognizes in its books of ccounts the libility rising out of Employee Benefits s the sum of the present vlue of obligtion s reduced by fir vlue of pln ssets on the Blnce Sheet dte. OPENING OF PENSION OPTION TO EMPLOYEES AND ENHANCEMENT IN GRATUITY LIMITS: During the yer the Bnk reopened the pension option for such of its employees who hd not opted for the pension scheme erlier. As result of exercise of which by employees, the bnk hs incurred libility of ` crores. Further during the yer the limit of grtuity pyble to the employees of the bnks ws lso enhnced pursunt to the mendment to the Pyment of Grtuity Act, As result the grtuity libility of the Bnk hs incresed by ` crores. These Libilities were clculted on the bsis of cturil vlution. In terms of the requirements of the Accounting Stndrd (AS) 15 issued by The Institute of Chrtered Accountnts of Indi, Employee Benefits, the entire mount of ` crores. (` cr. + ` cr.) were required to be chrged to the Profit nd Loss Account. However, the RBI hs issued circulr no. DBOD.BP.BC.80/ / dted 9th Februry 2011, on Re-opening of Pension Option to Employees of Public Sector Bnks nd Enhncement in 206

209 A mä ifji= ds çko/kkuks ds vuqlkj csd us bl o"kz 2012&13 ds ykhk gkfu [kkrs es #i;s djksm+ dh jkf'k pktz v Q dh gs tks #i;s djksm+ dh jkf'k dk ik pok fgllk curh gs A ¼fiNys o"kksz igys gh djksm+ pktz fd, tk pqds gs½ Hkkjrh; fjt+oz csd ds mä ifji= dh vis{kkvks ds vuqlkj vkxs ys tk;h x;h 'ks"k jkf'k vfkkzr~ djksm+ ¼ djksm+& djksm+½ vyx dezpkfj;ks ls lec) dksbz ns;rk 'kfey ugh gsa vkxs ys tk;h x;h,slh 'ks"k jkf'k dks vuqlwph 5 ds 'kh"kz ßvU;Þ ds vurxzr j[kk x;k gs vksj rnuq:i vuqlwph 11 ds 'kh"kz ßvU;Þ ds vurxzr j[kk tk;sxk,o ijorhz o"kks Z es pktz v Q fd;k tk;sxk A ys[kk ekud&15 ¼l kksf/kr½ ds vuqlkj çdvhdj.k ys[kkdu uhfr ds vuq:i rfkk ys[kk ekud 15 ¼l'kksf/kr½ ds vuqlkj dezpkjh ykhk ds ckn dh lkjhkwr flfkfr ds vuqlkj ykhkks dks ykhk o gkfu [kkrs o rqyu&i= es fueufyf[kr :i ls ekuk tkrk gs % rqyui= frffk dks fçfliy chekfdd /kkj.kk, ¼/kkfjr vkslr ds :i es O;ä½ ¼çfr'kr es½ fooj.k is'ku minku Nqêh udnhdj.k ¼fuf/kd½ ¼fuf/kd½ ¼xSjfuf/kd½ fmldkmv nj 8-80% 8-45% 8-60% 8-38% 8-60% 8-38% ;kstuk vkflr;ks ds çfrqy dh lhkkfor nj 8-61% 8-61% 8-61% 8-61% & & osru o`f) nj 5-00% 5-00% 5-00% 5-00% 5-00% 5-00% fudklh ¼Attrition½ nj 1-00% 1-00% 1-00% 1-00% 1-00% 1-00% Grtuity Limits-Prudentil Regultory Tretment. In ccordnce with the provisions of the sid Circulr, the Bnk hd chrged off ` crores representing one-fifth of ` crores to Profit & Loss Account for this yer (` crore lredy chrged in previous yers). In terms of the requirements of the foresid RBI circulr, the blnce mount crried forwrd, i.e. ` crores.(` cr. ` cr.) does not include ny libility relting to seprted/retired employees. Such blnce mount crried forwrd hs been grouped in Schedule 5 under hed Others nd correspondingly in Schedule 11 under Others nd will be chrged off in subsequent yers DISCLOSURE IN ACCORDANCE WITH AS 15(R): In line with the ccounting policy nd s per the Accounting Stndrd 15(R), the summrized position of post employment benefits re recognized in the Profit & Loss A/c nd Blnce Sheet s under: I. Principl Acturil Assumption t the Blnce sheet dte (expressed s weighted verges) : (in %) Prticulrs Pension Grtuity Leve Encshment (Funded) (Funded) (Unfunded) Discount Rte 8.80% 8.45% 8.60% 8.38% 8.60% 8.38% Expected Return on Pln Assets 8.61% 8.61% 8.61% 8.61% - - Rte of Escltion In slry 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% Attrition Rte 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% AA- nkf;roks ds orzeku ewy; es ifjorzu& vfk rfkk bfr 'ks"kks dk lek/kku ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ nkf;ro dk orzeku ewy;] C;kt ykxr pkyw lsok ykxr çnùk ykhk ¼528-61½ ¼212-03½ ¼134-32½ nkf;roks ij chekfdd ¼57-43½ ¼feyku fd, x, vkdm+ s½ nkf;ro dk orzeku ewy;] II. Chnges in the present vlue of the obligtions (PVO) Reconcilition of Opening nd closing blnces (` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Present vlue of Obligtion, Interest Cost Current Service Cost Benefits pid (528.61) (212.03) (134.32) Acturil loss / (gin) on obligtions (57.43) (Blncing Figure) Present vlue of Obligtion,

210 III. ;kstuk vkflr;ks ds mfpr ewy; es ifjorzu& vfk rfkk bfr ks kks dk lek/kku ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ ;kstuk vkflr;ks dk mfpr ewy;] & ;kstuk vkflr;ks ij lhkkfor çfrqy & csd }kjk v'knku] dezpkjh çnùk ykhk ¼528-61½ ¼212-03½ ¼134-32½ ;kstuk vkflr;ks ij chekfdd & feyku fd, x, vkdms ;kstuk vkflr;ks dk mfpr ewy;] & IV- ;kstuk vkflr;ks ij oklrfod çfrqy ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ ;kstuk vkflr;ks ij lhkkfor çfrqy & ;kstuk vkflr;ks ij chekfdd & ;kstuk vkflr;ks ij oklrfod çfrqy & V- eku; chekfdd ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ nkf;ro ij chekfdd ¼ ½ ¼37-26½ ;kstuk vkflr;ks ij chekfdd & eku; 'kq) chekfdd ¼ykHk½ vfkok gkfu ¼68-45½ VI- rqyui= es eku; jkf k vksj lc) fo ys k.k % ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ nkf;roks dk orzeku ewy;] ;kstuk vkflr;ks dk mfpr ewy;] vrj veku; foxr lsok ykxr & ¼ ½ ¼226-40½ 0 xsj fufgr ykhk & vkxs ys tk;k x;k ys[kkekud 15 ¼l'kksf/kr½ ds isjk & ¼154-22½ & 55 ds vrxzr udkjkrekd jkf'k miyc/k~ Hkkoh dvksrh vksj okilh ds & & v'knku dk orzeku ewy; ys[kk ekud 15 ¼l'kksf/kr½ ds isjk & & 59 [k ds vurxzr eku; vkflr;k rqyu&i= es eku; ns;rk ¼154-22½ III. Chnges in the Fir Vlue of Pln Assets- Reconcilition of opening nd closing blnces: (Amount ` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Fir vlue of Pln Assets, Expected return on Pln ssets Contributions Benefits Pid (528.61) (212.03) (134.32) Acturil (loss) / gin on Pln Assets (Blncing Figure) FAIR vlue of Pln Assets, IV. Actul Return on pln ssets (Amount ` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Expected return on Pln Assets Acturil (loss) / gin on Pln Assets Actul return on Pln Assets V. Net Acturil (Gin)/ loss Recognized (Amount ` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Acturil (loss) / gin on obligtions ( ) (37.26) Acturil (loss) / gin on Pln Assets Net Acturil (gin) or loss recognized in yer (68.45) VI. Amount recognized in Blnce Sheet nd relted nlysis (` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Present vlue of Obligtion, FAIR vlue of Pln Assets, Difference Unrecognized Pst Service cost - vested benefits - Crried Forwrd ( ) (226.40) 0 Negtive mount determined under - (154.22) - Prgrph 55 of AS-15 (R) Present vlue of vilble future refunds nd reductions in future contributions Asset recognized s per Limit under prgrph 59 (b) of AS-15 ( R ) - - Libility Recognized in the Blnce Sheet (154.22)

211 VII ykhk o gkfu [kkrs es eku; O;; ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ pkyw lsok ykxr C;kt ykxr ;kstuk vkflr;ks ij lhkkfor çfrqy ¼931-89½ ¼197-69½ 0 o"kz es 'kq) eku; chekfdd ¼ykHk½ ¼68-45½ vfkok gkfu eku; foxr lsok ykxr ¼fufgr ykhk½ ykhk o gkfu fooj.kh es eku; O;; VIII rqyui= es kq) eku; ns;rk es?kv&c<+ ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ izkjfehkd 'kq+) ns;rk ¼177-67½ O;; çnùk v'knku ¼ ½ ¼371-60½ ¼134-32½ vfre 'kq) ns;rk ¼pkyw vof/k es ¼154-22½ rqyui= es eku;~ ns;rk½ IX orzeku vof/k ds fy, jkf k ¼jkf'k djksm+ es½ fooj.k is'ku minku Nqêh ¼fuf/kd½ ¼fuf/kd½ udnhdj.k ¼xSjfuf/kd½ nkf;roks dk orzeku ewy;] ;kstuk vkflr;ks dk mfpr ewy; ¼ ½ ¼72-18½ ¼ ½ ;kstuk ns;rkvks ij lhkkfor lek;kstu& ¼24-46½ ;kstuk vkflr;ks ij lhkkfor lek;kstu X ;kstuk vkflr;ks dh çeq[k Jsf.k;k ¼dqy ;kstuk vkflr;ks ds çfr kr ds #i es½ ¼% es½ fooj.k is'ku minku ¼fuf/kd½ ¼fuf/kd½ Hkkjr ljdkj dh çfrhkwfr;k jkt; ljdkjks dh çfrhkwfr;k mpp xq.koùkk okys d ikszjsv c.m lwphc) deifu;ks ds bfdovh ks;j lifùk fo ks k tek ;kstuk, chekdrzk }kjk çcf/kr fuf/k;k vu; & csd tekjkf k; rfkk tek&çek.ki= tksm VII. Expenses recognized in the Profit & Loss A/c (` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Current Service Cost Interest Cost Expected return on Pln ssets (931.89) (197.69) 0 Net Acturil (gin) or loss recognized in yer (68.45) Pst Service Cost- (vested benefits) Recognized Expense Recognised In Sttement of Profit & Loss VIII.Movements in Net Libility recognized in Blnce Sheet (` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Opening Net Libility (177.67) EXPENSE Contributions Pid ( ) (371.60) (134.32) Closing Net Libility (Libility recognized in B/S in current period (154.22) IX. Amount for the current Period (` in crore) Prticulrs Pension Grtuity Leve (Funded) (Funded) Encshment (Unfunded) Present vlue of Obligtion, FAIR vlue of Pln Assets, Surplus / (Deficit) ( ) (72.18) ( ) Experience Adjustments in Pln Libilities -(loss) / Gin (24.46) Experience Adjustments in Pln Assets (loss) / gin X. Mjor Ctegories of Pn Assets (s percentge of Totl Pln Assets) (in %) Prticulrs Pension Grtuity (Funded) (Funded) Government Of Indi Securities Stte Govt Securities High Qulity Corporte Bonds Equity Shres of listed compnies Property Specil deposit scheme Funds mnged by Insurer Other- Bnk Deposits nd CDs TOTAL

212 XI vkxkeh o kz ds nksjku v knku dk Js Bre vuqeku ¼jkf'k ` djksm+ es½ fooj.k is'ku minku ¼fuf/kd½ ¼fuf/kd½ vkxkeh o"kz ds nksjku v'knku dk cs d dk Js"Bre vuqeku XII vu; nh?kkzof/k dezpkjh ykhk ¼xSjfuf/kd½ ¼jkf'k ` djksm+ es½ fooj.k vkdfled,y,qlh flyoj tqcyh Nqêh lfgr cksul chekjh dh Nqêh nkf;ro dk orzeku ewy; løe.k'khy ns;rk dk çkjfehkd 'ks"k o"kz ds nksjku eku; løe.k'khy ns;rk løe.k'khy ns;rk dk vfre 'ks"k rqyu&i= es eku; ns;rk XIII fopkj dh x;h chekfdd /kkj.kkvks dk vk/kkj fooj.k fmldkmv nj ;kstuk vkflr;ks ds çfrqy dh lhkkfor nj osru es o`f) dh nj fudklh nj /kkj.kk dk vk/kkj l'kksf/kr ys[kk ekud l[;k 15 ds vuqlkj nkf;ro dh vuqekfur 'krz ds vuq#i ljdkjh c/k i=ks ij rqyu&i= dh frffk dks cktkj çkfir;ks ds lnhkz }kjk fuf'pr~ fmldkmv nj r; dh xbz gsa ;kstuk vkflr;ks ij lhkkfor çfrqy nj lcf/kr nkf;ro dh iwjh vk;q ds fjvuksz ds fy, vof/k ds vkjehk es cktkj lhkkoukvks ij vk/kkfjr gsa Hkkoh osru o`f) ds vuqekuks ds fy, dezpkjh cktkj es vkiwfrz,o ek x tsls lc)?kvdks] egxkbz] ofj"brk] inksuufr vkfn ij chekfdd ewy;kdu ij l'kksf/kr ys[kk ekud l[;k 15 ds isjk l[;k 83&91 vksj 120 ¼A½ds vuqlkj fopkj fd;k x;k gsa fudklh nj dk fu/kkzj.k finys vksj lhkkfor Hkkoh vuqhkoks ds lnhkz }kjk fd;k x;k gs vksj mles e`r;q dks NksM+dj fdrq v'kärk ds dkj.k gqbz vu; lhkh çdkj dh fudkfl;k lfeefyr gsa ekpz 2013 dks lekir o kz ds fy, [k.mokj fjiksfvzx ¼çcU/ku }kjk rs;kj dh x;h rfkk ys[kkijh{kdks }kjk ml ij fo'okl fd;k x;k ¼jkf'k yk[k ` es½ Øe fooj.k l dks lekir o"kz dks lekir o"kz ¼ys[kkijhf{kr½ ¼ys[kkijhf{kr½ ¼lesfdr½ ¼lesfdr½ i. [kmokj jktlo d½ Vªstjh [k½ d csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu tksm XI. Best estimte of contribution during the next yer (` in crore) Prticulrs Pension Grtuity (Funded) (Funded) Bnk s best estimte of Contribution during next yer XII. Other Long Term employee benefits (Unfunded) (` in crore) Prticulrs Sick Leve LFC Silver Jubilee including Bonus Csul Leve Present Vlue of Obligtion Opening Blnce of Trnsitionl Libility Trnsitionl Libility recognized in the yer Closing Blnce of Trnsitionl Libility Libility Recognized in blnce Sheet XIII. Bsis of Acturil ssumption considered Prticulrs Discount rte Bsis of ssumption Discount rte hs been determined by reference to mrket yields on the blnce sheet dte on Government Bonds of term consistent with estimted term of the obligtions s per pr 78 of AS15R. Expected rte of return The expected return on pln ssets is bsed on mrket on pln ssets expecttions, t the beginning of the period, for returns over the entire life of the relted obligtion. Rte of escltion in slry Attrition rte The estimtes of future slry increses considered in cturil vlutions tking into ccount infltion, seniority, promotion nd other relevnt fctors mentioned in prs nd 120(I) of AS15R. Attrition rte hs been determined by reference to pst nd expected future experience nd includes ll types of withdrwls other thn deth but including those due to disbility. 4.6 SEGMENT REPORTING FOR THE YEAR ENDED 31 ST MARCH 2013 (As compiled by the mngement nd relied upon by Auditors) (` in lcs) S. Prticulrs Yer Ended Yer Ended No (Audited) (Audited) (Consolidted) (Consolidted) i. Segment Revenue ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Totl

213 ii. [kmokj ifj.kke d½ Vªstjh [k½ d csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu tksm iii. xsj vkcfvr O;; iv. ifjpkyu ykhk v. dj gsrq çko/kku vi. vlk/kkj.k ens 'kwu; 'kwu; vii. lgk;d llfkkvks es vtzuks dk v'k viii. vyik'k fgr ix. 'kq) ykhk vu; lwpuk x. [kmokj vkflr;k d½ Vªstjh [k½ d csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu mi tksm ³½ xsj vkcfvr vkflr;k dqy vkflr;k xi. [kmokj ns;rk, d½ Vªstjh [k½ d csfdx x½ fjvsy csfdx ?k½ vu; csfdx ifjpkyu mi tksm ³½ xsj vkcfvr ns;rk, dqy ns;rk, uksv % finyh vof/k ds vkdm+ks dks ;Fkko';d O;; vkcvu ds vk/kkj es ifjorzu dj iqu% Js.khc) fd;k x;k gsa xks.k [km pwfd Hkkjr ds ckgj dk ysu nsu 10% dh çkjfehkd lhek ls de gs] vr% xks.k [kmokj lwpuk fn;k tkuk visf{kr ugh gsa ii. Segment Results ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Totl iii. Unllocted Expenses iv. Operting Profit v. Provision for Tx vi. Extrordinry Items NIL NIL vii. Shre of Ernings in Assocites (Net) viii. Minority Interest ix. Net Profit Other Informtion: x. Segment Assets xi. ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Sub Totl e) Unllocted Assets Totl Assets Segment Libilities ) Tresury b) Corporte/Wholesle Bnking c) Retil Bnking d) Other Bnking Opertions Sub Totl e) Unllocted Libilities Totl Libilities Note: Figures of the previous period hve been re-grouped/reclssified wherever necessry on chnge in bsis of lloction of expenditure Secondry Segment As the opertions outside Indi re less thn the threshold limit of 10%, secondry segment informtion hs not been required to be furnished. 211

214 4-7 Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kk ekud & 18 ds vuqlkj çdvhdj.k lcf/kr ikfvz;ks ds uke rfkk csd ds lkfk muds lc/k eq[; çc/ku dkfezd % d- Jh ds vkj dker] v/;{k,o çc/k funs'kd [k- Jh jkds'k lsbh] dk;zikyd funs'kd x- Jherh m"kk vurlqczã.;u] dk;zikyd funs'kd?k- Jh,l vkj cly] dk;zikyd funs'kd ¼ ls½ vuq"kfx;k % i½ ih,uch fxyv~l fyfevsm ii½ ih,uch gkmflx Qkbukl fyfevsm iii½ itkc us'kuy csd ¼bVjuS'kuy½ fyfevsm] ;w-dsiv½ ih,uch buoslvesv lfozlst fyfevsm+ v½ Mªd ih,uch csd fyfevsm] HkwVku vi½ ih,uch b';ksjsl czksfdx çkbosv fyfevsm vii½ ih,uch thou chek deiuh fyfevsm*** viii½ts,llh,lch ih,uch [ktkfdlrk~u lg;ksxh llfkk, i½,ojslv csd fy- usiky ii½ fçfliy ih,uch vlsv esustes V deiuh çk-fyiii½ fçfliy VªLVh deiuh çk-fyiv½ vlsv~l ds;j,.m fjdlvªd'ku,vjçkbt fyv½ bfm;k QSDVfjx,.M Qkbus l l Y;w'kt çk-fyvi½ ih,uch esvykbq bfm;k b';ksjsl fyvii½ e/; fcgkj xzkeh.k csd viii½ gfj;k.kk xzkeh.k csd* ix½ fgekpy xzkeh.k csd] e.mh* x½ itkc xzkeh.k csd xi½ jktlfkku xzkeh.k csd** xii½ loz ;wih xzkeh.k csd 4.7 Disclosure of Relted Prties s per AS 18 issued by ICAI Nmes of the relted prties nd their reltionship with the Bnk Key Mngement Personnel: i) Shri K. R. Kmth, Chirmn & Mnging Director ii) Shri Rkesh Sethi, Executive Director iii) Ms. Ush Annthsubrmnin iv) Shri S.R. Bnsl, Executive Director (Since ) Subsidiries i) PNB Gilts Ltd. ii) PNB Housing Finnce Ltd. iii) Punjb Ntionl Bnk (Interntionl) Ltd., UK iv) PNB Investment Services Ltd v) Druk PNB Bnk Ltd, Bhutn. vi) PNB Insurnce Broking Pvt Ltd. vii) PNB Life Insurnce Compny Ltd*** viii) JSC SB PNB Kzkhstn Assocites: i) Everest Bnk Limited, Nepl. ii) Principl PNB Asset Mngement Compny Pvt. Ltd. iii) Principl Trustee Compny Privte Limited iv) Assets Cre & Reconstructions Enterprise Ltd. v) Indi Fctoring & Finnce Solutions Pvt Ltd vi) PNB Metlife Indi Insurnce CO Ltd vii) Mdhy Bihr Grmin Bnk. viii) Hryn Grmin Bnk* ix) Himchl Grmin Bnk, Mndi x) Punjb Grmin Bnk. xi) Rjsthn Grmin Bnk** xii) Srv UP Grmin Bnk. * fgekpy xzkeh.k csd dks,d ubz llfkk fgekpy çns'k xzkeh.k csd ¼,pihthch½] emh es foy; fd;k x;k A iwozorhz iozrh;k xzkeh.k csd es,lchvkbz ds 'ks;j ¼:i;s yk[k yk[k dqy :i;s yk[k½,lchvkbz dks ugh fn;s x;s gs A vr% dks ih,uch dk LVsd,pihthch] emh dh iw th es çfr'kr gs vksj,lchvkbz dk 8-58 çfr'kr gs A ** gekjs csd }kjk çk;ksftr jktlfkku xzkeh.k csd vyoj dks,d ubz llfkk cmksnk&jktlfkku {ks=h; xzkeh.k csd es foy; gqvk gs A ih,uch us iwozorhz jktlfkku xzkeh.k csd es viuh iwth ds 35 çfr'kr 'ks;j vksj 'ks;j dsfivy fmikftv vdkmv jkf'k :i;s yk[k ekpz 2013 es okfil ys fy, gs A ***diuh lekiu v/khu gs vksj diuh ds ikl miyc/k vkflr;ks dk 'ks"k 'ks;j/kkjdks ds chp ckvk x;k gs A diuh dks vrr% ekuuh; mpp U;k;ky; }kjk lekir fd;k tkuk gs A * Himchl Grmin Bnk hs been mlgmted on into new entity Himchl Prdesh Grmin Bnk (HPGB), Mndi. Shre (` 35.00lcs lcs totl ` lcs) of SBI in erstwhile Prvtiy Grmin Bnk hs not been cpitulted to SBI. Hence, the stke of PNB is 26.42% in the cpitl of HPGB, Mndi nd tht of SBI is 8.58% s on **Rjsthn Grmin Bnk, Alwr sponsored by our Bnk hs been mlgmted into new entity Brod Rjsthn Kshetriy Grmin Bnk w.e.f PNB hs received bck its 35% shre in Cpitl nd Shre Cpitl Deposit Account in erstwhile Rjsthn Grmin Bnk in the month of Mrch, 2013 mounting to ` lcs ***The Compny is under liquidtion nd the blnce of ssets vilble with the compny hs been distributed mongst the shreholders. The compny is finlly required to be wound up by Hon ble High Court 212

215 lcfèkr ikfvz;ks ls ysu&nsu * ( ` in Lc ) ewy** vuq"kfx;k ** eq[; çc/ku eq[; çc/ku ;ksx lcf/kr ¼LokfeRo vfkok m e dkfezd dkfezdks ds ikvhz fu;=.k ds vuqlkj½ fj rsnkj 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre 2012&13 vf/kdre cdk;k cdk;k cdk;k cdk;k cdk;k cdk;k jkf k jkf k jkf k jkf k jkf k jkf k ikfjjfed ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh - - (58.03) ykxw ugh ykxw ugh ykxw ugh (58.03) ykxw ugh m/kkj ykxw ugh ykxw ugh ykxw ugh ykxw ugh tekjkf'k;k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) ( ) (59.37) (67.45) (0.54) (5.52) ( ) ( ) tekjkf'k;k ykxw ugh ykxw ugh ykxw ugh ykxw ugh dk fu;kstu ( ) ( ) ( ) ( ) vfxze ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) ( ) ( ) ( ) 'ks;j iw th es ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh 5.79 ykxw ugh ykxw ugh fuos'k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) (ykxw ugh) (5.33-) ( ) (ykxw ugh) _.k i=ks es ykxw ugh ykxw ugh ykxw ugh ykxw ugh fuos'k ykxw ugh ykxw ugh ykxw ugh ykxw ugh xsjfuf/kd ykxw ugh ykxw ugh ykxw ugh ykxw ugh (0.00) (0.00) çfrc)rk, mihkksx dh xbz ipszt O;oLFkk, çko/kku dh xbz ipszt O;oLFkk, vpy vkflr;ks dk Ø; vpy vkflr;ks dh fcøh mihkksx dh xbz ipszt O;oLFkk, çnùk C;kt ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh 9.25 ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh (106.73) (ykxw ugh) (1.99) (ykxw ugh) (0.04) (ykxw ugh) (107.60) (ykxw ugh) çkir C;kt ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh ( ) (ykxw ugh) ( ) (ykxw ugh) lsok, çkir ykxw ugh ykxw ugh ykxw ugh ykxw ugh - ykxw ugh ykxw ugh djuk lsok, çnku ykxw ugh ykxw ugh ykxw ugh ykxw ugh djuk çc/ku ykxw ugh ykxw ugh ykxw ugh ykxw ugh lfonk (25.00) (ykxw ugh) (25.00) (ykxw ugh) çkir ykhkk'k ykxw ugh ykxw ugh ykxw ugh ykxw ugh ykxw ugh (715.67) ykxw ugh (715.67) ykxw ugh * çcu/ku }kjk rs;kj rfkk çekf.kr ¼dks"Bdks es fn, x, vk dm+s finys o"kz ds gs½ ** vuq"kfx;ks vksj dqn lg;ksxh llfkkvks ds lkfk gq, ysunsu dk çdvhdj.k ys[kk ekud & 18 ßlEcfU/kr ikvhz çdvhdj.kß ds isjk 9 ds eísutj ugh fd;k x;k gs tks jkt; }kjk fu;f=r m eks dks mudh,slh vu; lecfu/kr ikfvz;ks ls ysunsu es ls fdlh ls lecfu/kr lwpuk nsus ls NwV nsrk gs tks jkt; }kjk fu;f=r gks A 213

216 Trnsctions with Relted Prties* Items/ Prent** Subsidiries** Assocites/ Key Mngement Reltives of Key Totl Relted (s per ownership Jt ventures Personnel Mngement Prty or control) Personnel ( ` in Lc ) Mximum Mximum Mximum Mximum Mximum Mximum mount mount mount mount mount mount outstnding outstnding outstnding outstnding outstnding outstnding Remunertion N.A N.A N.A N.A NA NA NA NA N.A N.A N.A N.A - - (58.03) NA NA NA (58.03) NA Borrowings N.A N.A N.A N.A Deposits N.A N.A N.A N.A ( ) ( ) (59.37) (67.45) (0.54) (5.52) ( ) ( ) Plcement of N.A N.A N.A N.A Deposits ( ) ( ) ( ) ( ) Advnces N.A N.A N.A N.A N.A N.A N.A N.A ( ) ( ) ( ) ( ) Investments in N.A N.A N.A N.A N.A 5.79 N.A N.A shre cpitl N.A N.A N.A N.A ( ) ((N.A) (5.33-) ( ) ((N.A) Investments in N.A N.A N.A N.A debentures N.A N.A N.A N.A Non funded N.A N.A N.A N.A (0.00) (0.00) Commitments Lesing/ HP rrngements viled Lesing/ HP rrngements provided Purchse of fixed ssets Sle of Fixed Assets Lesing/ HP rrngements viled Interest pid N.A N.A N.A N.A N.A 9.25 NA N.A N.A N.A N.A N.A (106.73) (N.A) (1.99) (NA) (0.04) (NA) (107.60) (N.A) Interest N.A N.A N.A N.A N.A N.A received N.A N.A N.A N.A ( ) (NA) ( ) (NA) Receiving N.A N.A N.A N.A - NA NA of Services Rendering N.A N.A N.A N.A of services Mngement N.A N.A N.A N.A contrcts (25.00) (NA) (25.00) (NA) Dividend N.A N.A N.A N.A N.A received (715.67) N.A (715.67) N.A *As compiled nd certified by the mngement. (Figures in brckets relte to previous yer) **The trnsctions with the subsidiries nd certin ssocites hve not been disclosed in view of pr-9 of AS-18 Relted Prty Disclosure, which exempts stte controlled enterprises from mking ny disclosures pertining to their trnsctions with other relted prties, which re lso stte controlled. 214

217 4-8 iêks ds fy, ys[kkdu & ys[kk ekud 19 foùkh; iês % d½ foùkh; iês ij yh xbz vkflr;ks dk ewy ewy; vksj vu; vpy vkflr;ks es lfeefyr ¼QuhZpj o fqdlpj lfgr½ #i;s yk[k ml ij fd, x, ewy;ºzkl dh çko/kku dh jkf'k rd #i;s yk[k dks vifyf[kr ewy; #i;s 1-00 yk[k [k½,d o"kz ls vf/kd es U;wure lns; iêk Hkqxrku 'kwu; x½,d o"kz ls vf/kd fdurq 5 o"kz ls vf/kd es lns; U;wure iêk Hkqxrku 'kwu;?k½ 5 o"kz ds ckn lns; U;wure iêk Hkqxrku 'kwu; ³½ ifjpkyu iês 'kwu; 4-9 ys[kk ekud 20 % çfr ks;j vtzu ¼#-½ fooj.k dks dks çfr 'ks;j vtzu ewy ruq r* dj ds i'pkr~ v'k ¼U;wejsVj½ ds :i es mi;ksx dh xbz jkf'k ¼#- djksm+ es½ 'ks;jks dk vfdr ewy; #- çfr 'ks;j #- çfr 'ks;j gj ¼fMuksfeusVj½ ds :i es mi;ksx fd, x, bfdovh 'ks;jks dh Hkkfjr vkslr l[;k *dksbz ruq r lhkko;~ 'ks;j ugh gs A 4-10 ys[kk ekud &22 % vk; ij djks ds lc/k es ys[kkdu vklfkfxr dj vkflr;ks rfkk ns;rkvks ds çeq[k?kvd fueufyf[kr gs % ¼#0 djksm+ es½ fooj.k dh flfkfr dh flfkfr vklfkfxr dj vkflr;k v'kks/;,o lfnx/k _.kks ds fy, çko/kku Nqêh udnhdj.k ds fy, çko/kku is'ku o minku ds fy, çko/kku /kkjk 43 ch ds vurxzr lkfof/kd ns;rk vu; tksm vklfkfxr dj ns;rk, vpy vkflr;ks ij ewy;ºzkl /kkjk 43 ch ds vurxzr lkfof/kd ns;rk, 'kwu; 0-00 vu; tksm vklfkfxr dj ¼ns;rk½ & 'kq) ys[kk ekud 28 vkflr;ks dk vutzu ¼bEis;jesV½ csd dh vkflr;ks es i;kzir fgllk foùkh; vkflr;ks dk gs ftuij ys[kk ekud 28 ßvkfLr;ks dk vutzuß ykxw ugh gsa csd dh jk; es bldh vkflr;ks ¼ftuij ekud ykxw gksrk gs½ dh mä ekud dh 'krz 4.8. Accounting for Leses AS 19 Finncil Leses:. Originl vlue of ssets cquired on finncil lese nd included in other fixed ssets (including furniture nd fixture): `41.65 lkhs. The mount of deprecition provided upto thereon: ` lkhs. The written down vlue s on : ` 1.00 b. Minimum Lese Pyment due not lter thn one yer: NIL c. Minimum Lese Pyment due lter thn one yer but not lter thn five yers: NIL d. Minimum Lese Pyment due lter thn five yers: NIL e. Operting leses. NIL 4.9 AS 20 - Ernings Per Shre (`) Prticulrs As on As on Erning per Shre Bsic Diluted* Amount used s numertor Profit fter tx (` In Crores) Nominl vlue of shres 10/- per shre 10/- per shre Weighted verge number of equity shres used s the denomintor *There re no diluted potentil shres AS 22 - Accounting for Txes on Income Mjor components of deferred tx ssets nd libility re set out below: (` in crore) Prticulrs As on As on Deferred Tx Assets Provision for bd & doubtful debts Provision for leve encshment Provision for Pension & Grtuity Sttutory Libilities u/s 43B Others Totl Deferred Tx Libilities Deprecition on fixed ssets Sttutory Libilities u/s 43B NIL 0.00 Others Totl Deferred Tx Assets/ (Libility) Net AS 28 - Impirment of Assets A substntil portion of the bnk s ssets comprise of finncil ssets to which Accounting Stndrd 28 Impirment of Assets is not pplicble. In the opinion of the bnk, there is no 215

218 ds v/khu visf{kr igpku ds fy;s 31 ekpz 2013 dks fdlh egroiw.kz lhek rd vutzd ugh gsa 4-12 ys[kk ekud 29&çko/kku] vkdfled ns;rk, vksj vkdfled vkflr; % i. ns;rkvks ds fy, çko/kkuks es?kv&c<+ * ¼` djksm+ es½ fooj.k osru le>ksrs dh ckrphr dkuwuh ds vurxzr osru cdk;k vkdfledrk, 1 vçsy] 2012 dks 'ks"k vof/k ds nksjku çko/kku vof/k ds nksjku ç;qä jkf'k;k 0-06 'kwu; vof/k ds nksjku iyvh x;h jkf'k 'kwu; ekpz] 2013 dks 'ks"k vfuf'prrk dk le; oklrfod Hkqxrku le>ksrk vfkok gksus ij ifj.kfr ij cfgxzeu * vu; ds fy, çko/kku dks NksM+dj ii. ykhk o gkfu [kkrs es O;; 'kh"kz ds vurxzr fn[kk, x, ßçko/kkuks o vkdfledrkvkß dk fooj.k fueufyf[kr gs % ¼#- djksm+ es½ fooj.k dks lekir o kz dks lekir o"kz fuos'k ij ewy;ºzkl ds fy, çko/kku vutzd vkflr;ks ds fy, çko/kku vutzd vkflr;ks ds fy, yksfvx çko/kku 'kwu; 0-00 ¼Hkkjrh; fjtoz csd ds çko/kkuhdj.k ekun.mks ls vf/kd½ ekud vkflr;ks ds fy, çko/kku vk;dj ds fy, fd;k x;k çko/kku ¼,Q ch Vh rfkk linkdj lfgr½ vu; çko/kku,o vkdfledrk, tksm yksfvx çko/kkuks dk fooj.k fueufyf[kr gs % ¼#- djksm+ es½½ fooj.k dks çkjfehkd 'ks"k o"kz ds nksjku fd;s x;s yksfvx çko/kku dh ek=k 'kwu; 'kwu; o"kz ds nksjku vkgfjr jkf'k dk mís'; 'kwu; 'kwu; dks vfure 'ks"k vkdfLed ns;rkvks ij vuqlwph 12 ns[ks,slh ns;rk, U;k;ky; ls ckgj le>ksrks ] vihyks ds fuivku rfkk ek xh x;h jkf'k] lfonkxr nkf;roks dh 'krksz lc) ikfvz;ks }kjk dh x;h rfkk mbk;h x;h ek xks ij Øe'k% vk/kkfjr gs A,sls ekeyks es dksbz çfriwfrz çr;kf'kr ugh gsa 4-15cSd us ;wukbvsm fdxme es fu;=d Qkbusf'k;y lfozflt vfkksfjvh ¼,Q,l,½ dks ;w-ds- flfkr viuh vuq"kxh itkc us'kuy csd ¼bUVjuS'kuy½ fyfevsm ds lecu/k es,d pqdksrh vk'oklu impirment of its ssets (to which the stndrd pplies) to ny mteril extent s t 31st Mrch 2013 requiring recognition in terms of the sid stndrd AS 29 - Provisions, Contingent Libilities nd Contingent Assets i. Movement of provisions for libilities* (` in Crores) Prticulrs Slry rrers Legl cses/ under negotition contingencies Blnce s t 1 st April Provided during the yer Amounts used during the yer 0.06 NIL Reversed during the yer NIL Blnce s t 31 st Mrch Timing of outflow/uncertinties On ctul pyment Outflow on settlement or crystlliztion. * Excluding provisions for others ii Brek up of Provisions nd Contingencies shown under the hed Expenditure in Profit nd Loss Account is s follows: (` in Crores) Prticulrs Yer ended Yer ended Provisions for deprecition on investment Provision towrds NPAs Floting provisions for NPAs (over nd bove RBI provisioning norms) NIL 0.00 Provision towrds Stndrd Assets Provision mde towrds Income Tx (including FBT & Welth Tx ) Others Provision & Contingencies Totl Brek-up of Floting Provisions is s follows: (` in crore) Prticulrs Opening blnce s on / Quntum of floting provisions mde during the yer NIL NIL Purpose nd mount of drw down mde during the yer NIL NIL Closing blnce s on / Refer Schedule-12 on Contingent Libilities Such libilities re dependent upon, the outcome of Court/ rbitrtion/out of court settlement, disposl of ppels, nd the mount being clled up, terms of contrctul obligtions, devolvement nd rising of demnd by concerned prties, respectively. No reimbursement is expected in such cses. 4.15The Bnk hs issued Letter of Comfort in respect of its subsidiry Punjb Ntionl Bnk (Interntionl) Ltd. in UK, to Finncil Services Authority (FSA), the regultor in United 216

219 i= tkjh fd;k gs ftles bl ckr dk vk'oklu fn;k x;k gs fd ;fn itkc us'kuy csd ¼bUVjuS'kuy½ fyfevsm] ;wds viuh foùkh; çfrc)rk, iwjh u dj ik;k rks csd mls foùkh; lgk;rk çnku djsxk A cgjgky] 31 ekpz] 2013 dh flfkfr ds vuqlkj,slh fdlh foùkh; çfrc)rk dh flfkfr ugh mhkjh gs A 5- vu; fviif.k;k d- #i;s 4-71 djksm+ ¼ewY;ºzkl?kVkdj½ ¼fiNys o"kz #i;s djksm+ :i;s½ ¼ykxr 7-88 djksm+ ¼fiNys o"kz djksm+½ dh jkf'k dh leifùk lesr ifjljks ds fy, VkbVy MhM~l dk ithdj.k fd, tkus dh çrh{kk gs A ifjljks es #i;s djksM+ ¼fiNys o"kz #i;s djksm+½ dk iw thxr çxfr dk;z lfeefyr gs A [k- o"kz ds nksjku ewy csd us le; ij l'kksf/kr lsch fofu;eu 2009 ds v/;k; VII ¼lsch vkbz lh Mh vkj fofu;eu½ ds vuqlkj funs'kd e.my }kjk fd;s x;s fu.kz;ks ds vuq:i vf/keku; vk/kkj ij dk çr;sd bfdovh 'ks;j # çr;sd 'ks;j ds çhfe;e ij Hkkjr ljdkj dks bfdovh 'ks;j vkcfvr fd, A,slk fd;s tkus ls csd dks dqy iw th jkf'k 1248 djksm+ çkir gqbz ftles bfdovh iw th ds :i es djksm+ vksj çhfe;e :i es djksm+ 'kkfey gs A ifj.kkelo:i ljdkj dh 'ks;j/kkfjrk vf/keku;rk vkcvu iwoz 56-10% dh rqyuk es vc 57-87% gs A x- funs'kd emy us ds çr;sd bfdovh 'ks;j ij #i;s dk ykhkk'k ¼ csd dh pqdrk iw th dk 270%½ llrqr fd;k gs c'krsz fd lnl;ks }kjk mldk vuqeksnu dj fn;k tk;sa 6- tgk dgh vko';d le>k x;k gs xr o"kz blh vof/k ds vuq:i vk dm+ks dk iqu% iqu% oxhzdj.k dj fy;k x;k gsa Kingdom, committing tht the bnk shll provide finncil support to Punjb Ntionl Bnk (Interntionl) Ltd., UK so tht it meets its finncil commitments if they fll due. However, no finncil obligtion hs risen s on 31st Mrch Other Notes. Premises include properties mounting to ` 4.71 crores (Net of Deprecition) (previous yer `10.86 crores) {Cost ` crores} (previous yer `16.01 crores) re witing registrtion of title deeds. Premises include cpitl work in progress of ` crores (previous yer ` crores). b. During the yer the prent bnk hs llotted equity shres of ` 10/- ech to Govt of Indi t premium of ` per shre s determined by the Bord in terms of the Chpter VII of the SEBI Regultions, 2009, s mended from time to time (the SEBI ICDR Regultions ) on preferentil bsis. The totl mount received by the bnk on this ccount is `1248 crores which includes `14.29 crores s equity cpitl nd ` crores s premium. Consequently the Government holding is now 57.87% s compred to 56.10% before preferentil llotment. c. The Bord of Directors hs recommended dividend of ` 27.00/ per equity shre of ` 10 ech (270 % of the pid up cpitl of the bnk), subject to pprovl by members. 6. Figures of the corresponding previous yer hve been regrouped/ rerrnged/reclssified wherever considered necessry. 217

220 31 ekpz] 2013 dks lekir o"kz ds rqyui= ds lkfk lyxu lesfdr udnh çokg fooj.k&i= CONSOLIDATED CASH FLOW STATEMENT ANNEXED TO THE BALANCE SHEET FOR THE YEAR ENDED 31ST MARCH (` Crore) (` Crore) fooj.k Prticulrs v- ifjpkyu dk;zdykiks ls udnh çokg ¼iz;qDr½ A. Csh Flow from (Used in) Operting Activities (I) dj ds i'pkr~ 'kq) ykhk Net Profit fter Tx 4, , tksfm+, % lg;ksxh difu;ks es vtzu dk v'k Add: Shre of erning in Assocites vyik'k fgr ls iwoz 'kq) ykhk Net Profit before Minority Interest 5, , tksfm+, % dj ds fy, izko/kku ¼vkLFkfxr dj dks NksM+dj½ Add: Provision for Tx (Net of deferred tx) 1, , djks ls iwoz ykhk Proift before Txes ( i ) 6, , (ii) fueufyf[kr ds fy, lek;kstu % Adjustment for : vpy vkflr;ks ij ewy;ºzkl Deprecition on Fixed Assets ?kVkb, % iquewzy;kdu çkjf{kr fuf/k ls vkgfjr jkf'k Less : Amount drwn from Revlution Reserve (20.67) (21.23) vutzd vkflr;ks ds fy, çko/kku Provisions for non performing ssets 3, , ekud vkflr;ks ij çko/kku Provision on Stndrd Assets fuos'kks ¼'kq)½ ij ¼fueksZpu½] cv~vk [kkrk] çko/kku Deprecition/ (Relese), Write off, Provision on Investments (net) vu; çko/kku ¼'kq)½ Other Provisions (net) ls ykhkk'k ¼fuos'k dk;zdyki½ Dividend from Subsidiry / Others (Investing Activity) - - c.mks ls C;kt ¼foÙkh; dk;zdyki½ Interest on Bonds (Finncing Activity) vpy vkflr;ks dh fcøh ls ¼'kq)½ Profit / Loss on sle of Fixed Assets ( net ) (2.68) (4.35) ( ii ) 5, , ifjpkyu vkflr;ks o ns;rkvks es ifjorzuks ls iwoz ifjpkyu ykhk Operting Profit before Chnges in Operting Assets nd Libilities ( i+ii) 12, , (iii) ifjpkyu vkflr;ks o ns;rkvks es 'kq) ifjorzu ds fy, lek;kstu Adjustment for net chnge in Operting Assets nd Libilities fuos'kks es Decrese / (Increse) in Investments (8,898.13) (28,632.10) vfxzeks es Decrese / (Increse) in Advnces (22,242.08) (56,844.25) vu; vkflr;ks es ½ Decrese / (Increse) in Other Assets (383.48) (1,401.90) tekjkf'k;ks es Increse / (Decrese) in Deposits 14, ,176.30

221 (` Crore) (` Crore) fooj.k Prticulrs m/kkjks es ½ Increse / (Decrese) in Borrowings 4, , vu; ns;rkvks o çko/kkuks es ½ Increse / (Decrese) in Other Libilities & Provisions (iii) (11,606.18) (10,193.28) ifjpkyuks ls mriuu udnh Csh generted from Opertions ( i+ii+iii) , çnùk dj ¼okilh dks NksM+dj½ Tx Pid (net of refund ) (1,603.07) (2,481.24) ifjpkyu dk;zdykiks es iz;qdr 'kq) udnh Net Csh used in Operting Activities ¼v½( A ) (692.47) (25.08) vk- fuos'k dk;zdykiks ls udnh çokg ¼iz;qDr½ B. Csh flow from (used in) Investing Activities vpy vkflr;ks dh [kjhn ¼fcØh dks NksM+dj½ Purchse of Fixed Assets (net of Sles) (558.73) (385.31) m csdks ls çkir ykhkk'k Dividend recd from Subsidiries / JV / RRBs - - l;qä m {ks-xzk- csdks es fuos'k Investment (Disinvestment)in Subsidries / JV / RRBs (41.71) (11.73) vu; fuos'k Other Investments - - fuos'k dk;zdykiks es ç;qä 'kq) udnh Net Csh used in investing Activities ¼vk½ ( B ) (600.44) (397.04) b foùkh;u dk;zdykiks ls udnh çokg ¼iz;qDr½ C. Csh flow from (used in) Finncing Activities 'ks;j iw th ¼çhfe;e lfgr½ Issue of Shre Cpitl (incl. Shre Premium) 1, , ck.m ¼Vh;j&A o Vh;j&AA½ Issue (Redemption) of Bonds (Tier I & Tier II) (232.32) c.mks ij çnùk C;kt ¼Vh;j&A o Vh;j&AA½ Interest pid on Bonds (Tier I & Tier II) (967.45) (994.47) ykhkk'k dk Hkqxrku ¼ykHkk'k ij dj lfgr½ Pyments of Dividends ( incl.tx on Dividend) (868.78) (814.15) foùkh;u dk;zdykiks ls 'kq) udnh Net Csh used in Finncing Activities ¼b½ ( C ) (693.95) bz udnh rfkk udnh rqy;ks es 'kq) ifjorzu D Net Chnge in Csh nd Csh Equivlents ¼v+vk+b½ ( A+B+C ) (1,986.86) o"kz ds vkjehk es udnh rfkk udnh rqy; Csh nd Csh Equivlents t the beginning of the yer udnh vksj Hkkjrh; fjtoz csd ds ikl 'ks"k Csh nd Blnces with Reserve Bnk of Indi 18, , csdks ds ikl 'ks"k vksj ek x o vyi lwpuk ij çki; /ku Blnces with Bnks & Money t Cll & Short Notice 11, , , ,

222 (` Crore) (` Crore) fooj.k Prticulrs o"kz ds vr es udnh rfkk udnh rqy; Csh nd Csh Equivlents t the end of the yer udnh vksj Hkkjrh; fjtoz csd ds ikl 'ks"k Csh nd Blnces with Reserve Bnk of Indi 17, , csdks ds ikl 'ks"k vksj ek x o vyi lwpuk ij çki; /ku Blnces with Bnks & Money t Cll & Short Notice 10, , , , (1,986.86) fvii.kh % Notes :- 1- çnùk çr;{k djks ¼okilh dks NksM+dj½ dks ifjpkyu dk;zdykiks ls mn~hkwr ekuk x;k gs rfkk bugs fuos'k rfkk foùkh;u dk;zdykiks ds e/; fohkä ugh fd;k x;k gs A 1. Direct txes pid (net of refund) re treted s rising from operting ctivities nd re not bifurcted between investing nd finncing ctivities. 2-?kVk es fn, x, lhkh vkdm+s ßudnh ckáß n'kkzrs gs A 2. All figures in minus represents Csh Out Flow Vh ds ckyeqdqunu vkj vkj owjs oh ds [kuuk,l vkj cly m"kk vurlqczã.;u jkds'k lsbh lgk;d egkçcu/kd mi egkçcu/kd egkçcu/kd dk;zikyd funs'kd dk;zikyd funs'kd dk;zikyd funs'kd T K BALAMUKUNDAN R R VOORE V K KHANNA S R BANSAL USHA ANANTHASUBRAMANIAN RAKESH SETHI ASSTT. GENERAL MANAGER DY. GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR ds-vkj- dker v/;{k,o çcu/k funs'kd K R KAMATH CHAIRMAN & MANAGING DIRECTOR vuqjkx tsu,u,l fo'oukfku ch ch pks/kjh,e, vrqys Vh lh >ykuh,e,u xksihukfk Mh ds flxyk Mk- lquhy xqirk funs'kd funs'kd funs'kd funs'kd funs'kd funs'kd funs'kd funs'kd ANURAG JAIN N S VISHWANATHAN B B CHAUDHRY M A ANTULAY T C JHALANI M N GOPINATH D K SINGLA Dr. SUNIL GUPTA DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR s s s d`rs cksjdj,m etwenkj d`rs th,l ek/ko jkvks,m deiuh d`rs fqyhiksl,m deiuh d`rs ds,u xqvxqfv;k,m deiuh d`rs lh oh ds,m,lksfl,v~l d`rs jes'k diwj,m deiuh lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj For Borkr & Muzumdr For G S Mdhv Ro & Co. For Phillipos & Co. For K N Gutguti & Co. For CVK & Assocites For Rmesh Kpoor & Co. Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts Chrtered Accountnts ¼jkts'k lh ckfke½ ¼th ekf.kd; çlkn½ ¼lh,p Jh/kju½ ¼ch vkj xks;y½ ¼, ds ç/kku½ ¼jes'k diwj½ lk>snkj lk>snkj lk>snkj lk>snkj lk>snkj lk>snkj lnl; l ],Qvkj,u MCY;w lnl; l ],Qvkj,u ,l lnl; l ],Qvkj,u ,l lnl; l ,Qvkj,u b lnl; l ,Qvkj,u MCY;w lnl; l ,Qvkj,u ,u (Rjesh C Bthm) (G Mniky Prsd) (C H Sreedhrn) (B R Goyl) (A K Prdhn) (Rmesh Kpoor) Prtner Prtner Prtner Prtner Prtner Prtner M No , FRN W M No , FRN S M No , FRN S M No , FRN E M No , FRN W M No , FRN N LFkku /Plce: ubz fnyyh/new Delhi fnukd /Dte:

223 lesfdr foùkh; fooj.k i=ks ij ys[kk ijh{kdks dh fjiksvz lsok es funs'kd emy itkc us'kuy csd 1- geus itkc us'kuy csd ¼ih,uch lewg½ ds 31 ekpz] 2013 ds lyxu rqyui= vksj mä frffk dks lekir o"kz ds lesfdr ykhk&gkfu [kkrs rfkk udnh çokg dh ys[kkijh{kk dh gs A bu foùkh; fooj.k i=ks dh fteesnkjh itkc us'kuy csd lewg çcu/ku dh gs rfkk ;s fooj.k vius?kvdks ds lecu/k es muds }kjk vyx foùkh; fooj.kks vksj vu; foùkh; lwpuk ds vk/kkj ij rs;kj fd;s x;s gs A gekjh fteesnkjh bu fooj.k i=ks ij gekjs }kjk dh xbz ys[kk ijh{kk ds vk/kkj ij er çdv djus rd gs A 2- geus Hkkjr es lkeku;r% Lohd`r ys[kkdu ekudks ds vuqlkj ys[kkijh{kk dh gs A ;s ekud ;g vis{kk djrs gs fd ge ys[kkijh{kk dh vk;kstuk rfkk mldk fu"iknu bl çdkj djs fd ges foùkh; fooj.k&i=ks ds lecu/k es,slk leqfpr vk'oklu fey tk, fd mues dksbz cm+h xyr lwpuk ugh nh x;h gs A ys[kk ijh{kk es,sls lk{;ks dh ijh{k.k ds rksj ij tk p dh tkrh gs tks foùkh; fooj.k&i=ks es mfyyf[kr jkf'k;ks rfkk çdvhdj.k ds lefkzu es fn, tkrs gs A ys[kkijh{kk es çc/ku }kjk mi;ksx es yk, x, ys[kkdu fl)kr rfkk mlds }kjk yxk, x, lkfkzd vuqekuks dk fu/kkzj.k rfkk lelr foùkh; fooj.ki= dh çlrqfr dk ewy;kdu djuk Hkh 'kkfey gs A ges fo'okl gs fd gekjs }kjk dh xbz ys[kkijh{kk us gekjs vfhker dks leqfpr vk/kkj çnku fd;k gs A 3- geus bu vuq"kfx;ks uker% i½ ih,uch fxyv~l fyfevsm ii½ih,uch gkmflx Qkbusl fy- iii½ itkc us'kuy csd ¼bVjuS'kuy½ fyfevsm] iv½ ih,uch buoslvesv lfozlst fy- ] v½mªd ih,uch csd fyfevsm] vi½ ih,uch fçfliy b';ksjsl czksfdx çk-fy-] vii½ fçfliy ih,uch ykbzq b';ksjsl deiuh fy- rfkk viii½ ts,llh,lch ih,uch dtkf[klrku ds foùkh; fooj.kks dh ys[kk ijh{kk ugh dh ftuds foùkh; fooj.kks es 31 ekpz] 2013 dks lekir o"kz ds fy, #i;s djksm+ dh dqy vkflr;k rfkk #i;s djksm+ dk dqy jktlo n'kkz;k x;k gs A bu foùkh; fooj.kks rfkk vu; lwpukvks dh muds lecfu/kr ys[kk ijh{kdks }kjk ys[kk ijh{kk dh x;h vksj rrlc/kh fjiksvksz es çlrqr dh x;h vksj gekjk er mu ys[kk ijh{kdks dh fjiksvksz ij gh vk/kkfjr gs A 4- egroiw.kz ekeyk % vius er ds lkfk dksbz 'krz yxk, fcuk ge foùkh; fooj.k dh vuqlwph l[;k 18 dh fvii.kh l[;k 4-5 dh vksj /;ku vkdf"kzr djrs gs] ftles ;g dgk x;k gs fd Hkkjrh; fjtoz csd }kjk lkoztfud {ks= ds csdks ds dezpkfj;ks ds fy, is'ku fodyi iqu% [kksyus rfkk minku lhekvks es o`f) & foosdiw.kz fofu;ked O;ogkj ds lecu/k es mlds ifji= l[;k MhchvksMh- chih &11 ds vuqlkj ys[kk ekud 15] dezpkjh ykhk ds çko/kkuks dks lkoztfud {ks= ds csdks ij ykxw fd, tkus ls NwV ds QyLo:i csd dh is'ku rfkk minku ns;rk ds ckn #i;s djksm+ rd ds vklfkxu dk myys[k gs A 5- d- geus 31 ekpz] 2013 dks lekir o"kz ds fy, {ks=h; xzkeh.k csdks rfkk csd dh vu; lg;ksxh llfkkvks ds foùkh; fooj.kks dh ys[kk ijh{kk ugh dh gs ftues csd ds ykhk dk fgllk ¼'kq)½ #i;s djksm+ gs A [k- gekjk er vu; ys[kk ijh{kdks }kjk ys[kk ijhf{kr {ks=h; xzkeh.k csdks ds ys[kk ijhf{kr foùkh; fooj.kks rfkk dqn xsj ys[kk ijhf{kr vuqekuks rfkk vuqlwph 18 es ys[kks ij fviif.k;ks ij fvii.kh l[;k 2 dh ikn fvii.kh ¼2-2½ es mfyyf[kr vu; lg;ksxh llfkkvks ds xsj ys[kk ijhf{kr foùkh; fooj.kks ij vk/kkfjr gs A x- çeq[k csd] vuq"kfx;ks vksj lg;ksxh llfkkvks ¼{ks=h; xzkeh.k csdks lfgr½ }kjk viukbz xbz ys[kkdu uhfr;ks es fhkuurk ds çhkko ls lecfu/kr iw.kz tkudkjh ds vhkko es tgk visf{kr gs dksbz lek/kku ugh fd;k x;k gs A {ks=h; xzkeh.k csdks ¼ lg;ksxh llfkkvks ½ us dqn dezpkjh ykhkks ds fy, Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ys[kkekud & 15 ¼l'kksf/kr½ ugh viuk;k gs] fdrq mugs rnfkz is&v u&;w&xks vk/kkj ij fglkc es fy;k gs A blh çdkj AUDITORS' REPORT ON CONSOLIDATED FINANCIAL STATEMENTS To The Bord of Directors of Punjb Ntionl Bnk, 1. We hve udited the ttched Consolidted Blnce Sheet of Punjb Ntionl Bnk Group (PNB Group) s t 31st Mrch 2013, the Consolidted Profit nd Loss Account nd the Consolidted Csh Flow Sttement for the yer ended on tht dte nnexed thereto. These finncil sttements re the responsibility of the mngement of the PNB Group nd hve been prepred by them on the bsis of seprte finncil sttements nd other finncil informtion regrding components. Our responsibility is to express n opinion on these finncil sttements bsed on our udit. 2. We conducted our udit in ccordnce with the uditing stndrds generlly ccepted in Indi. Those stndrds require tht we pln nd perform the udit to obtin resonble ssurnce bout whether the finncil sttements re free of mteril missttements. An udit includes exmining on test bsis, evidence supporting the mounts nd disclosures in the finncil sttements. An udit lso includes ssessing the ccounting principles used nd significnt estimtes mde by the mngement, s well s evluting the overll finncil sttement presenttion. We believe tht our udit provides resonble bsis for our opinion. 3. We did not udit the finncil sttements of subsidiries viz. (i) PNB Gilts Limited (ii) PNB Housing Finnce Limited (iii) Punjb Ntionl Bnk (Interntionl) Limited (iv) PNB Investment Services Limited (v) Druk PNB Bnk Ltd. (vi) PNB Principl Insurnce Broking Pvt Ltd. nd (vii) JSC SB PNB Kzkstn (viii) PNB Life Insurnce Co. Ltd. whose finncil sttements reflect totl ssets of ` crores s t 31st Mrch 2013 nd totl revenues of ` crores for the yer then ended. These finncil sttements nd other finncil informtion hve been udited by their respective uditors whose reports hve been furnished to us nd our opinion is bsed solely on the reports of the sid uditors. 4. Emphsis of Mtter : Without qulifying our opinion, we drw ttention to note No. 4.5 of Schedule 18 to the finncil sttement, which describes deferment of pension nd grtuity libility of the bnk to the extent of ` crores pursunt to the exemption grnted by the Reserve Bnk of Indi to Public Sector Bnks from ppliction of provisions of Accounting Stndrd (AS) 15 (Employee Benefits) vide its circulr No. DBOD. BP.BC./80/ / on Reopening of Pension Option to Employees of Public Sector Bnks nd Enhncement in Grtuity Limits - Prudentil Regultory Tretment. 5. ). We did not udit the finncil sttements of the regionl rurl bnks nd other ssocites of the Bnk, where the bnk's shre of profits (net) is `92.36 crores for the yer ended 31st Mrch b). Our opinion is bsed on the udited finncil sttements of ll Regionl Rurl Bnks udited by respective uditors s well s certin un-udited estimted finncil dt nd the un-udited finncil sttements of other ssocites stted in Footnote (2.2) to note No. 2 to Notes on Accounts in Schedule 18. c). In the bsence of full informtion regrding impct of difference in ccounting policies followed by the prent, subsidiries nd ssocites (including RRBs), no djustments, wherever required, hve been crried out. Regionl Rurl Bnks (ssocites) hve not followed Accounting Stndrd - 15 (Revised), issued by the Institute of Chrtered Accountnts 221

224 ewy csd rfkk mldh vuq"kfx;ks vksj lg;ksfx;ks ds chp u olwy gq, ykhk vksj gkfu;ks ds ifj.kkelo:i ;fn ewy csd ds vuq"kfx;ks vksj lg;ksfx;ks es fgr ij dksbz çhkko im+rk gks rks mls lekir ugh fd;k x;k gs A bldk ykhk rfkk jktlo ij çhkko Kkr ugh gks ik;k gsa 6- mi;qzä isjk 3 ls 5 es fn, x, gekjs er ds v/khu ge lwfpr djrs gs fd ih,uch lewg çcu/ku }kjk lesfdr foùkh; fooj.k i= Hkkjrh; lunh ys[kkdkj llfkku }kjk tkjh ¼lesfdr fooj.k i=ks lecu/kh½ ys[kkdu ekud &21 es vis{kkvks ds vuq:i rfkk lesfdr foùkh; fooj.k i=ks ys[kk ekud& 23 ¼lesfdr foooj.k i=ks es lg;ksxh deifu;ks es fuos'k½ ds ys[kkdu ds vuqlkj rs;kj fd, x, gs A 7- lesfdr rqyui= o ykhk rfkk gkfu [kkrk Hkkjrh; fjtoz csd }kjk csdks ds fy, fu/kkzfjr QkeksZ es rs;kj fd, x, gs A 8- mi;qzä isjk 3 ls 5 es fn, x, gekjs er ds v/khu rfkk csd dh gekjh ys[kk ijh{kk ds vk/kkj ij vksj vyx foùkh; fooj.k i=ks ij lec) ys[kk ijh{kdks dh fjiksvksz ij fopkj djus ij rfkk 8 vuq"kfx;ks vksj 5 {ks=h; xzkeh.k csdks ds foùkh; fooj.k i=ks ij vksj 6 lg;ksfx;ks ds xsj ys[kk ijhf{kr fooj.k i=ks vksj vu; foùkh; lwpuk ij fopkj djus ds ckn gekjh lokszre lwpuk o ges fn, x, Li"Vhdj.kks ds vk/kkj ij gekjh jk; gs fd lyxu lesfdr foùkh; fooj.k&i= Hkkjr es lkeku;r% Lohd`r ys[kkdu fl)krks ds vuq:i lgh vksj Li"V flfkfr n'kkzrs gs : d- lesfdr rqyu i= ds ekeys es 31 ekpz] 2013 dh flfkfr n'kkzrs gq, ih,uch lewg dh flfkfr [k- lesfdr ykhk o gkfu ys[ks ds ekeys es mä frffk dks ih,uch lewg ds ykhk dks n'kkzrk gs x lesfdr udnh çokg fooj.k i= ds ekeys es mä frffk dks ih,uch lewg dk udnh çokg of Indi, for certin employees' benefits but hve ccounted for the sme on dhoc/py on you go bsis. In like mnner, unrelized profits nd losses resulting from trnsctions between the prent nd its subsidiries nd the ssocites, if ny, to the extent of the prent's interest in the subsidiries nd ssocites hve not been eliminted. Thus, the effect on profit for the yer nd other consequentil effects could not be scertined. 6. Subject to our observtions in prgrph 3 to 5 bove, we report tht the Consolidted Finncil Sttements hve been prepred by the mngement of PNB Group in ccordnce with the requirements of Accounting Stndrd - 21 (Consolidted Finncil Sttements) nd Accounting Stndrd - 23 (Accounting for Investments in Assocites in Consolidted Finncil Sttements) issued by the Institute of Chrtered Accountnts of Indi. 7. The Consolidted Blnce Sheet nd Profit nd Loss Account hve been drwn up s per the forms prescribed by Reserve Bnk of Indi for bnks. 8. Subject to our observtions in prgrph 3 to 5 bove nd bsed on our udit of the bnk, considertion of reports of the respective uditors on seprte finncil sttements of 8 subsidiries, 5 regionl rurl bnks nd in considertion of un-udited finncil sttements of 6 ssocites nd of other finncil informtion of subsidiries nd certin ssocites nd to the best of our informtion nd ccording to the explntions given to us, we re of the opinion tht the ttched consolidted finncil sttements give true nd fir view in conformity with the ccounting principles generlly ccepted in Indi:. In the cse of the consolidted blnce sheet, of the stte of ffirs of the PNB Group s t 31st Mrch, 2013; b. In the cse of the consolidted profit nd loss ccount, of the profit of the PNB Group for the yer ended on tht dte; nd c. In the cse of the consolidted csh flow sttement, of the csh flows of the PNB Group for the yer ended on tht dte. d`rs cksjdj,m etwenkj lunh ys[kkdkj,qvkj,u MCY;w ¼jkts'k lh ckfke½ lk>snkj lnl; l ] d`rs fqyhiksl,m deiuh lunh ys[kkdkj,qvkj,u ,l ¼lh,p Jh/kju½ lk>snkj lnl; l d`rs lh oh ds,m,lksfl,v~l lunh ys[kkdkj,qvkj,u MCY;w ¼, ds ç/kku½ lk>snkj lnl; l d`rs th,l ek/ko jkvks,m deiuh lunh ys[kkdkj,qvkj,u ,l ¼th ekf.kd; çlkn½ lk>snkj lnl; l d`rs ds,u xqvxqfv;k,m deiuh lunh ys[kkdkj,qvkj,u b ¼ch vkj xks;y½ lk>snkj lnl; l d`rs s jes'k diwj,m deiuh lunh ys[kkdkj,qvkj,u ,u For Borkr & Muzumdr Chrtered Accountnts FRN W For G S Mdhv Ro & Co. Chrtered Accountnts FRN S (Rjesh.C.Bthm) Prtner M.No (G.Mniky Prsd) Prtner M.No For Phillipos & Co. Chrtered Accountnts FRN S For K N Gutguti & Co. Chrtered Accountnts FRN E (C.H.Sreedhrn) Prtner M.No (B.R.Goyl) Prtner M.No For CVK & Assocites Chrtered Accountnts FRN W For Rmesh Kpoor & Co. Chrtered Accountnts FRN N ¼jes'k diwj½ lk>snkj lnl; l (A.K.Prdhn) Prtner M.No (Rmesh Kpoor) Prtner M.No LFkku & ubz fnyyh fnukd & Plce: New Delhi Dte :

225 lsok es deiuh lfpo itkc us'kuy csd] izèkku dk;kzy; 'ks;j fohkkx] forr izhkkx iz0dk0] 5 lln ekxz ubz fnyyh& QkeZ &^^ch** izkwdlh QkeZ ¼'ks;jèkkjd n~okjk Hkjk vksj glrk{kj fd;k tk,½ jft- Qksfy;ks u- ¼ewrZ 'ks;jks ds fy,½ Mh ih vkbz Mh l xzkgd vkbz Mh l ¼vewrZ 'ks;jks ds fy,½ jkt; ds ftyk fuoklh itkc us'kuy csd ds 'ks;jèkkjd gksus ds ukrs,rn~}kjk jkt; ds ftyk ds fuoklh dks vfkok muds miflfkr u gks ldus ij jkt; ds ft+yk ds fuoklh dks 'kfuokj] fnukd 29 twu] 2013 dks izkr% cts csd ds 'ks;jèkkjdks dh okf"kzd vke csbd es tks itkc us'kuy csd vkwfmvksfj;e] dsunzh; LVkQ dkwyst] 8 vmjfgy jksm] flfoy ykbul] fnyyh& es vk;ksftr gksxh rfkk mlds vfèklfkfxr gksus ij vksj ls fy, er nsus ds fy, izkwdlh fu;qdr djrk gsa o"kz 2013 ds ekl dh rkjh[k dks glrk{kfjr Ñi;k jlhnh fvdv fpidk, izkwdlh ds 'ks;jèkkjd ds glrk{kj ç Dlh Q ez ij glrk{kj djus,o çlrqr djus gsrq vuqns'k 1- çkdlh nlrkost+ ds os/k gksus ds fy, d- O;fäxr 'ks;j/kkjd ds ekeys es mlds }kjk glrk{kj fd, tk,xs ;k fof/kor~ fyf[kr #i es vf/kñr,vkuhz glrk{kj djsxka [k- l;qä /kkjdks ds ekeys es lnl;ks ds jftlvj es çfke uke ds 'ks;j/kkjd }kjk ;k mlds }kjk fyf[kr #i ls vf/kñr vv uhz }kjk glrk{kj fd;s tk,xs A x- fuxfer fudk; ds ekeys es mlds vf/kdkjh }kjk lkeku; eksgj] ;fn gks] rks yxkdj bugs glrk{kfjr,o fu"ikfnr fd;k tk,xk ;k vu;fkk fyf[kr #i ls fof/kor~ vf/kñr,vkuhz }kjk glrk{kj fd;s tk;sxs A?k- QkeZ ch es gks xs vksj fof/kor~ :i ls LVkEi gks xsa 2- ç Dlh nlrkost+ ftl ij 'ks;j/kkjd }kjk vxwbs dk fu'kku yxk;k x;k gs] rhkh os/k ekuk tk,xk tc mls fdlh tt] eftlvªsv] jftlvªkj ;k mi jftlvªkj chek }kjk ;k fdlh vu; ljdkjh jktif=r vf/kdkjh }kjk ;k itkc us'kuy csd ds fdlh vf/kdkjh }kjk vf/kçekf.kr fd;k x;k gksa 3- ç Dlh ftlds lkfk es d- eq[rkjukek ;k çkf/kdkj i= ¼;fn gks rks½ ftlds vurxzr bl ij glrk{kj fd, x, gs ;k [k- mä eq[rkjukes ;k çkf/kdkj i= dh çfr ftls uksvjh ;k eftlvªsv }kjk vfèkçekf.kr fd;k x;k gks] itkc us'kuy csd] 'ks;j fohkkx] foùk çhkkx] çèkku dk;kzy;] 5] lln ekxz] ubz fnyyh & ds ikl okf"kzd vke csbd dh frffk ls 4 fnu igys vfèkdre lkseokj 24 twu] 2013] lk; 5-00 cts rd tek djok fn;k tk, A 4- ;fn lcf/kr eq[rkjukek itkc us'kuy csd ;k blds 'ks;j vrj.k,ts V ds lkfk igys ls gh ithñr gs] rks eq[rkjukes dh ithdj.k l[;k rfkk,sls ithdj.k dh frffk dk myys[k fd;k tk,a 5- csd ds ikl tek ç Dlh nlrkost vfre o vifjorzuh; gksxka 6- ;fn ç Dlh nlrkost fodyi ds rksj ij nks O;fä;ks dks fn, x;s gks rks dsoy,d QkeZ dk fu"iknu fd;k tk;sxka 7- ftl 'ks;j/kkjd us ç Dlh dk nlrkost+ fu"ikfnr fd;k gks og csbd es ml nlrkost+ ls lec) oksv nsus dk ik= ugh gksxka 8- bl çdkj fu;qä ç Dlh dks csbd es cksyus dk vf/kdkj ugh gksxka,sls es ç Dlh çnkrk dh vksj ls miflfkr gks ldsxk vksj oksv ns ldsxka 9- itkc us'kuy csd ds fdlh Hkh vf/kdkjh ;k dezpkjh dks os/kkfud :i ls çkf/kñr ;k ç Dlh/kkjd fu;qä ugh fd;k tk ldrka 223

226 To, The Compny Secretry, Punjb Ntionl Bnk Shre Deprtment, Finnce Division Hed Office, 5, Snsd Mrg New Delhi FORM B PROXY FORM (To be filled in nd signed by the Shreholder) Regd. Folio No. (For shres in Physicl form) DPID No. Client ID no. (If Demterilised) I/We, resident/s of in the district of in the stte of being shreholder/s of Punjb Ntionl Bnk, hereby ppoint Sh./Smt. resident of in the district of in the stte of or filing him/her, Sh/Smt. resident of in the district of in the stte of s my/our proxy to vote for me/us nd on my/our behlf t the Annul Generl Meeting of the shreholders of the Bnk to be held on Sturdy, the 29th June, 2013, t m., t Punjb Ntionl Bnk Auditorium, Centrl Stff College, 8, Underhill Rod, Civil Lines, Delhi nd t ny djournment thereof. Signed this dy of Plese ffix Revenue Stmp Signture of the Proxy Signture of Sole/First shreholder INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM 1. No instrument of proxy shll be vlid unless,. in cse of n individul shreholder, it is signed by him/her or by his/her ttorney duly uthorised in writing, b. in the cse of joint holders, it is signed by the shreholder first nmed in the Register of Shreholders or by his/her ttorney duly uthorised in writing, c. in the cse of body corporte, it is signed by its office nd executed under its Common Sel, if ny, or otherwise signed by its ttorney duly uthorised in writing. d. shll be in the Form B nd duly stmped. 2. An instrument of proxy, in which the thumb impression of the shreholder is ffixed, will be vlid provided it is ttested by Judge, Mgistrte, Registrr or Sub-Registrr of Assurnces or ny other Government Gzetted Officer or n officer of Punjb Ntionl Bnk. 3. The proxy together with:. the power of ttorney or other uthority (if ny) under which it is signed or b. copy of tht power of ttorney or uthority, certified by Notry Public or Mgistrte, should be deposited t the Shre Deprtment, Finnce Division, Punjb Ntionl Bnk, Hed Office : 5, Snsd Mrg, New Delhi not lter thn FOUR DAYS before the dte of the Annul Generl Meeting, i.e p.m. of Mondy, the 24th June, In cse the relevnt power of ttorney is lredy registered with Punjb Ntionl Bnk or its Shre Trnsfer Agent, the registrtion number of the power of ttorney nd the dte of such registrtion my be mentioned. 5. An instrument of proxy deposited with the Bnk shll be irrevocble nd finl. 6. In the cse of n instrument of proxy grnted in fvour of two grntees in the lterntive, not more thn one form shll be executed. 7. The shreholder who hs executed n instrument of proxy shll not be entitled to vote in person t the meeting to which such instrument reltes. 8. The proxy so ppointed shll not hve ny right to spek t the meeting but such proxy cn ttend & vote on behlf of the grntor. 9. No person shll be ppointed s duly uthorised representtive or proxy who is n officer or n employee of Punjb Ntionl Bnk. 224

227 ewrz :i es èkkfjr 'ks;jks ds 'ks;jèkkjdks ds fy, 'ks;j fohkkx] foùk izhkkx&lln ekxz] ubz ds ekè;e ls bz&øsfmv vfèkns'k itkc us'kuy csd ds bfdovh 'ks;jks ij ykhkk'k ds Hkqxrku ds fy, csd [kkrs ds C;kSjs dk QkeZ fiz; 'ks;jèkkjd] 'ks;jèkkjdks dks iznku dh tkus okyh lsok es fujrj lqèkkj ds fy,] ge vkils vuqjksèk djrs gs fd vki vius fmikwftvjh lghkkxh,o gekjs 'ks;j vrj.k,ts V & chvy QkbZus f'k;y,m dei;wvj lfozflt+ ¼izk- fy½ r`rh; ry] ^chvy gkml^ 99] enuxhj] yksdy 'kkwfix ls Vj] ubz fnyyh& dks Hkh vius csd [kkrs dk vn~;ru C;kSjk fueu QkesZV es ns A ih,l % vewrz :i es èkkfjr 'ks;jks ds 'ks;jèkkjd Ñi;k viuk C;kSjk lh/ks vius fmiksftvjh lghkkxh ds lkfk v ru djs A lèku;okn] Hkonh; 1- Qksfy;ks uecj 2- 'ks;jèkkjd dk uke 3- ¼d½ 'ks;j èkkjdks dk ¼[k½ uecj ¼x½ bz&esy vkbzmh 4- csd [kkrs dk C;kSjk d- csd dk uke rfkk 'kk[kk dk irk,o nwjhkk"k l0 [k- [kkrk l0 ¼pSd cqd es n'kkz;s vuqlkj½ x- csd,o 'kk[kk dk 9 vdks dk ekbdj dksm u0 ¼tSlk fd csd n~okjk tkjh ekbzdj psd ij fy[kk gs½?k- vkbz,q,l dksm tslkfd csd n~okjk tkjh psd ij fy[kk gsa egroiw.kz % Ñi;k vius csd n~okjk tkjh jí fd;s x;s&[kkyh psd dh QksVksdkih mi;qdr C;kSjs dh tkp gsrq lyxu djsa deiuh lfpo es,rn~}kjk?kks"k.kk djrk gw fd mijksdr fn;k x;k C;kSjk iw.kz,o lgh gsa ;fn VªktSD'ku es viw.kz ;k xyr lwpuk ds dkj.k foyec gksrk gs ;k VªktSD'ku gh ugh gksrk rks es itkc us'kuy csd dks blds fy, mrrjnk;h ugh xs A fnukd % LFkku% 'ks;jèkkjd ds glrk{kj 225

228 Der Shreholder, Shre Deprtment, Finnce Division, 5, Snsd Mrg, New Delhi FOR SHAREHOLDERS HOLD- ING SHARES IN PHYSICAL FORM E-Credit MANDATE THROUGH NEFT/RTGS BANK ACCOUNT DETAILS FORM FOR PAYMENT OF DIVIDEND ON EQUITY SHARES In our continuous endevour to improve service to Shreholders, we request you to provide updted bnk ccount prticulrs to our Shre Trnsfer Agent Beetl Finncil & Computer Services (P) Ltd., 3 rd Floor, Beetl House, 99, Mdngir, Behind Locl Shopping Centre, New Delhi , in the following formt. PS : Shreholders holding shres in demterilised form my plese updte the detils with their DP directly. Thnking you, Yours fithfully Compny Secretry 1. Folio No. 2. Nme of Shreholder 3. () Address of shreholder(s) (b) (c) Telephone/Mobile No. Emil ID 4. Detils of Bnk Account 5. () Nme of the Bnk & Address of the Brnch with Telephone No. (b) Account No. (s ppering on the cheque book) (c) 9 Digit MICR code number of the Bnk nd Brnch s ppering on the cheque issued by Bnk (d) IFS Code s ppering on the cheque issued by Bnk IMP : Plese ttch blnk cncelled cheque or photocopy of cheque issued by your bnk for verifiction of the bove prticulrs. I hereby declre tht the detils given bove re complete. If trnsction is delyed or not effected for resons beyond control, I would not hold Punjb Ntionl Bnk responsible. Dte : Plce : Signture of Shreholder(s) 226

229 izèkku dk;kzy; % 7] Hkhdk,th dkek Iysl] ubz fnyyh] miflfkfr iphz lg izos'k-i= 12oh okf"kzd vke csbd 'kfuokj] 29 twu] 2013 le; % izkr% cts LFkku % itkc us'kuy csd vkwfmvksfj;e dsunzh; LVkQ dkwyst 8] vmjfgy jksm] flfoy ykbul] fnyyh& miflfkfr iphz ¼ miflfkfr ds ithdj.k ds le; lqiqnz djus gsrq ½ uke Li"V v{kjks es vkbzmh l- 'ks;jks dh l[;k izfrfufèk½ izfrfufèk ds glrk{kj izèkku dk;kzy; % 7] Hkhdk,th dkek Iysl] ubz fnyyh] oh okf"kzd vke csbd 'kfuokj] 29 twu] 2013 le; % izkr% cts izos'k ikl ¼cSBd ds nksjku vius ikl j[kuk gs½ uke Li"V v{kjks es xzkgd vkbzmh l- 'ks;jks dh l[;k izfrfufèk½ izfrfufèk ds glrk{kj csbd gkwy es izos'k ds fy, izfrfufèk;ks ls vuqjksèk gs fd os bl miflfkfr iphz lg izos'k ikl dks csbd d{k es miflfkfr ds le; fofèkor~ glrk{kj djds izlrqr djsa izos'k ikl okyk Hkkx izfrfufèk;ks dks yksvk fn;k tk,xk] ftls mugs csbd lekir gkus rd vius ikl j[kuk pkfg,a fdlh Hkh flfkfr es MqIyhdsV miflfkfr iphz & lg & izos'k i= tkjh ugh fd;k tk,xka uksv : 1- Ñi;k okf"kzd fjiksvz dh izfr vius lkfk yk,a 2- csbd ds nksjku dksbz dwiu ugh ck Vs tk;sxsa 227

230 HEAD OFFICE : 7, Bhikhiji Cm Plce, New Delhi ATTENDANCE SLIP-CUM-ENTRY PASS 12 TH ANNUAL GENERAL MEETING SATURDAY, THE 29 TH JUNE, 2013 AT A.M. AT PUNJAB NATIONAL BANK AUDITORIUM, CENTRAL STAFF COLLEGE, 8, UNDERHILL ROAD, CIVIL LINES, DELHI ATTENDANCE SLIP (To be surrendered t the time of registrtion of ttendnce) NAME IN BLOCK LETTERS FOLIO/DPID&CLIENT ID No. Number of Shres (Member/Proxy/Authorised Representtive) Signture of Shreholder/Proxy/Authorised Representtive HEAD OFFICE : 7, Bhikhiji Cm Plce, New Delhi TH ANNUAL GENERAL MEETING SATURDAY, THE 29 TH JUNE, 2013 AT A.M. ENTRY PASS (To be retined throughout the meeting) NAME IN BLOCK LETTERS FOLIO/DPID&CLIENT ID No. Number of Shres (Member/Proxy/Authorised Representtive) Signture of Shreholder/Proxy/Authorised Representtive Shreholders/Proxy holders/authorized Representtives re requested to produce Attendnce Slip-Cum-Entry pss duly signed, for dmission to the meeting hll, The Entry pss portion will be hnded bck to the shreholders/proxy holders/ Authorized Representtives, who should retin it till the conclusion of the meeting. The dmission my, however, be subject to further verifiction/checks, s my be deemed necessry. Under no circumstnces, ny duplicte Attendnce slip-cum-entry pss will be issued. Note : 1. Plese bring your copy of the Annul Report 2. No gift/gift coupons will be distributed t the meeting. 228

231

v/;{k,oa çca/k funs kd dh dye ls

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