tã v _m v Hm^v {Smh Iq (tã v _m v Hm^v C y-bpss Atkm-kn-tb- v) sluv Hm^okv: Xncp-h-\- -]pcw

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2 tã v _m v Hm^v {Smh Iq (tã v _m v Hm^v C y-bpss Atkm-kn-tb- v) sluv Hm^okv: Xncp-h-\- -]pcw t\m okv tã v _m v Hm^v {Smh Iq Hml-cn-bp-S-a-I-fpsS A ]XmaX-v hm jni s]mxp-tbmkw F.sI.Pn satωmdnb lmƒ, Kymkv lukv PwKvj, ]mfbw, Xncp-h-\- -]pcw sabv 29-mw XobXn i\nbmgvn cmhnse awn v (Ãm-t Uv ka-bw) Xmsg -]-d-bp Imcy-Øn-\mbn ktω-fn- p- p: 2010 am v 31 \v Ah-km-\n- Ime-b-f-hnse _m ns BkvXn- _m-[yxm ]{Xw, em`-\-jvs-iw- p-iƒ, Ub-d- IvS t_m Uns dnt m v, BkvXn-_m-[yXm ]{XsØbpw IW- p-itfbpw kw_- n HmUn- am-cpss dnt m v F nh N snbvxv AwKoIcn pi. Xncp-h-\- -]pcw F si PK my 24 G{]n, 2010 amt\-pnwkv Ub-dIvS ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ ( Æ i ] ı]ı ÈEÚ EÚ Ω M ) v x EÚ «± & i Ø x xi { Æ S x ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ E Ú Æ v Æ Â EÚ { S Ãπ EÚ x Ë`ˆEÚ B.E Ú.V. Æ ± Ω ±, M Ë Ω = V C x, { ±, i Ø x xi { Æ Â x Æ, n x EÚ 29 <«2010 EÚ { «xω V ( x EÚ ) x x ± J i EÚ «Ω i { z Ω M : 31 S «2010 EÚ {i + v E Ú ± B x n EÚ b«eú Æ { ]«ı, ÈEÚ EÚ i ± x { j B ± -Ω x J i + ËÆ ÈEÚ E Ú i ± x -{ j B ± J  { Æ ± J { Æ I EÚ Â EÚ Æ { ]«ı { Æ S Æ «EÚÆ E EÚ Æ EÚÆ x *'' i Ø x xi { Æ B E Ú V M z l x 24 + ˱, 2010 xv x n EÚ STATE BANK OF TRAVANCORE (Associate of the State Bank of India) HEAD OFFICE: THIRUVANANTHAPURAM NOTICE The Fiftieth Annual General Meeting of the Shareholders of the State Bank of Travancore will be held in the A.K.G. Memorial Hall, Gas House Junction, Palayam, Thiruvananthapuram , on Saturday, the 29 th May 2010 at a.m. (Standard Time) to transact the following business: To discuss and adopt the Balance Sheet and Profit & Loss Account of the Bank made up to the 31 st March 2010, the report of the Board of Directors and Auditors Report on the Balance Sheet and Accounts. Thiruvananthapuram A K Jagannathan 24 th April, 2010 Managing Director

3 D -S w 2. HmlcnbpS-a-Iƒ p t\m okv 4. Ub-d-IvS t_m Uv 6. Ub-d-IvS t_m Uns dnt m v 62. _me kv jo v 64. em`-\-jvs-iw v 66. A u- p-i-fpss sjuyqfpiƒ 150. HmUn- am-cpss dnt m v 154. am-t\-pvsa v IΩn n 157. A\p_ w I tim td v `c-w-aq-ey-ß-sf- p-dn- p dnt m pw HmUn- am-cpss k n-^n- pw 157. A\p_ w II t_k II ]n III A\pkcn p shfns SpØepIƒ π - S 2. Æ v Æ Â EÚ S x 4. x n EÚ b«6. x n EÚ b«eú Æ { ]«ı 62. i ± x -{ j 64. ± -Ω x ± J 66. ± J Â EÚ +x S ƒ 152. ± J { Æ I EÚ Â EÚ Æ { ]«ı 154. v x i x ± Mx EÚ - I EÚ ÏÆ { Æ ]ı x j h { Æ Æ { ]«ı + ËÆ ± J { Æ I EÚ Â EÚ h { j x ± Mx EÚ - II ± 11 EÚ { ± Æ III E Ú +xi M «i EÚ]ı EÚÆ h CONTENTS 2. Notice to Shareholders 4. Board of Directors 6. Report of the Board of Directors 62. Balance Sheet 64. Profit and Loss Account 66. Schedules to Accounts 153. Auditors Report 154. Management Committee A 1-1. Annexure - I Report on Corporate Governance and Auditors Certificate A II-1. Annexure - II Disclosures under Pillar III of Basel II

4 4 Ub-d-IvS t_m Uv x n EÚ b«bo BOARD OF DIRECTORS {io H ]n ` v snb am + { ] ]ı +v I Shri O P Bhatt Chairman se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (a) A\p-k-cn v snb am Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b (B) E Ú +xi M «i +v I Chairman under Clause (a) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io F si PK my B E Ú V M z l x Shri A K Jagannathan se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (aa) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b (BB) E Ú +xi M «i x n EÚ Director under Clause (aa) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io si kn _tµym]m ymbv E Ú t { v Shri K C Bandyopadhyay se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (b) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b ( ) E Ú +xi M «i x n EÚ Director under Clause (b) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 tum. {io\mkn _n dmhp b Ï. x M Æ Dr. Srinagi B Rao se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (c) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b ( ) E Ú +xi M «i x n EÚ Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io Fkv F XnΩø B B l Ë Shri S A Thimmiah se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (c) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J hb ( ) E Ú + i M «i x n EÚ Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959

5 5 Ub-d-IvS t_m Uv x n EÚ b«bo BOARD OF DIRECTORS {io _n Fkv tkm]meirjvw B M { ± EfiÚπh Shri B S Gopalakrishna se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (c) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J hb ( ) E Ú + i M «i x n EÚ Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io ]n hn inhi c ]n { EÚÆ { ±± Ë Shri P V Sivasankara Pillai se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (cb) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b ( ) E Ú +xi M «i x n EÚ Director under Clause (cb) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io si XmWp ]n E Ú i h { ±± Ë Shri K Thanu Pillai se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (d) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b (b ) E Ú +xi M «i x n EÚ Director under Clause (d) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io F tkxpam[h B i v x Shri A Sethumadhavan se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (d) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b (b ) E Ú +xi M «i x n EÚ Director under Clause (d) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io Kym Nµv ]n]mcm Y x S xn { { Æ Shri Gyan Chand Pipara se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (d) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b (b ) E Ú +xi M «i x n EÚ Director under Clause (d) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959 {io ]n hn\mbkw { x M Shri P Vinayagam se Fkv.-_n.sF (D]mwK _m piƒ) \nbaw hip v 25 D]hIp v (1) JfinI (e) A\p-k-cn v Ub-d-IvS Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 25 EÚ ={ v Æ (1) E Ú J b (<«) E Ú +xi M «i x n EÚ Director under Clause (e) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959

6 se tã v _m v Hm^v C y (D]mwK _m p-iƒ) \nbaw 43 (1) hip v A\pkcn v tã v _m v Hm^v C ybv pw dnk v _m v Hm^v C ybv pw ti{µ Khs n\pw ka n p UbdIvS t_m Uns dnt m v dnt m v Imebfhv: 2009 G{]n 1 apx 2010 am v 31 hsc 1. amt\-pvsa v N -Ifpw hni-i-e-\hpw 1.1. BtKmf kº-zvhy-hÿ Ign kmº-øni h j-øns c mw ]Ip-Xn-bnse ITn\amb BtKmf kmº-øn- I-am-µy-sØbpw kmº-øni Itºmf {]Xnk- n-sbbpw At]- n v Ct mƒ BtKmf kº-zvhy-h-ÿ-bn hy -amb ]ptcmkxn {]I-S-am-Wv. hf p hcp Itºmf kº- Zvhy-h-ÿ-bnse (EMEs), {]txy-in pw Gjybn-se, DXv]m-Z\ hn]q-eo-i-c-wsø B[mc-am- n-bp- -Xm-bn-cp p Cu Xncn phchv. BtKmf DXv]m-Z\w sa -s - p, \n amw {]hr-øn-iƒ h n- p-h-cp- p, hym]mcw Xncn- p-h-chns ]mx-bn-em-wv, kmº-øn-i- I-tºmf kml-n-cy-߃ sa -s -Sp- p, kml-tk Xncn-sI-sb-Øp- p. Npcp-ßnb Ime-b-f-hn A p-x-i-c-amb t\ -߃ tcj-s -Sp-Ønb kmº-øni Itºm-f-ßfn BtKmf kº-zvhy-h-ÿ-bpss as-ßnh-c-hns kxz-c-^-e-߃ Z in- mw. ]t Cu Ic-I-b w Zp _-e-am-sw Bi- bpw hym]-i-am-wv. DXv]m-Z\w h -[n- p-tºmƒ Xs sxmgn-en- m-bva-bn-ep h -\hv c - -Øn-se-Øp-sa- mwv Icp-X-s -Sp- -Xv. XI _me kv jo p-ifpw A[nI Imcyti-jn-bpw, kmº-øni klm-b-øn-\p ]cn-an-xn-ifpw tn v \nt -]sø XpS pw Zp _-e-am- m-\mwv km[y-x. _m p-i-fpss XI XpS-cp- p- v. BtKmf-hym-]mcw Ct mgpw Hcp h jw ap ]sø \ne-hm-c-ønepw Xmsg-bm-Wv. Npcp- n- -d- m BtKm-f-km-º-ØnI km[y-xiƒ sa s - n- p-s - nepw kmº-øni Ic-I-b-d-ens thk-søbpw kpÿn-c-x-sbbpw Ipdn- p A\n- n-x-xz-߃ \ne-\n p- p. 1.2 tziob kº-zvhy-hÿ tziob kº-zvhy-h-ÿ G hpw thk-øn hf-cp kº-zvhy-h-ÿ-iƒs m- -amwv. {]Xo- n- -Xn-t\- mfpw thk-ønepw Dd-t mss-bp-amwv C y kmº-øn-i-hy-h-ÿ- Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 43 (1) E Ú +xi M «i Æ i ] ı]ıı ÈEÚ, Æ i Æ W «ÈEÚ B E Úxp Æ EÚ Æ EÚ x n EÚ b«eú Æ { ]«ı Æ { ]«ı + v : 1 + ˱ S « v x S S «B ± π h 1.1 +l «- l { UÙ± k π «E Ú =k Æ r«m  Œ l i M Ω x + Ãl EÚ n B k W Æ J ± ± E Ú n +l «- l  Y v Æ Ω + ΩË * = c i W Æ +l «- l +   (<«B <«), π EÚÆ B Â, =i{ n x i Æ il x EÚ Œ l i + ËÆ W i Ω M <«* =i{ n x  v Æ Ω + ΩË, x «h M i v  i W + <«, { Æ ± Æ Ω ΩË, k W Æ EÚ { Æ Œ l i   v Æ Ω Æ Ω ΩË + ËÆ V J =`ˆ x EÚ HÚ { ± Æ Ω ΩË * +l «- l  =UÙ± x EÚ i ieú ± k W Æ Â Â n J V EÚi ΩË, V Ω ƒ l c  + S «V x EÚ ± n V «Ω B* i l { S xi  HÚ EÚ M <» EÚ v Æ EÚ Œ l i EÚ W Æ ΩË * Ω ± ƒ EÚ =i{ n x  { x Ø r Æ Ω Æ Ω ΩË Æ W M Æ n Æ n Ω Æ + EÚ Â Â g x EÚ +x x ΩË * x i ± x { j   n, + v I i B k i v  E Ú EÚ Æ h EÚ W Æ x Æ Ω x EÚ + EÚ ΩË * ÈEÚ Â EÚ f Æ Ω V x V Æ ΩË * { Æ + BEÚ π «E Ú { Ω ± E Ú +{ x i Æ x S ΩË * i ± x EÚÆ x { Æ, t { + Ãl EÚ x +   v Æ Ω + ΩË * { Æ xi + Ãl EÚ il x EÚ M i B x Æ i Æ i  + x Œ S i i Bƒ V Æ ΩË * 1.2 Æ π] ı +l «l Æ π] ı +l «- l +i i i V EÚ i Ω Æ Ω +l «- l +   + BEÚ ΩË * Æ i +l «- l  =UÙ ±, i i + v EÚ i Æ i B i Æ Ω * Ω ± Ω E Ú Ω x   + Ët M EÚ Report of the Board of Directors to the State Bank of India, the Reserve Bank of India and the Central Government in terms of Section 43 (1) of State Bank of India (Subsidiary Banks) Act, 1959 Period covered by the Report: 1st April 2009 to 31st March MANAGEMENT DISCUSSIONS & ANALYSIS 1.1 Global Economy There has been a discernible improvement in the global economy since the deep global economic slump and financial market turmoil in the latter half of the previous financial year. The recovery is underpinned by output expansion in Emerging Market Economies (EMEs), particularly in Asia. World output has improved, manufacturing activity has picked up, trade is recovering, financial market conditions are improving, and risk appetite is returning. The immediate effect of the rebound in the global economy could be seen in the financial markets, which have posted spectacular gains in a short period of time. There are concerns, however, that the recovery is fragile. Even as output is reviving, unemployment rate is expected to increase to double digits. Investment is also expected to remain weak due to ruptured balance sheets, excess capacity and financing constraints. Bank collapses are continuing. World trade still remains below its level a year ago. On balance, while global economic prospects have improved, uncertainties remain about the pace and sustainability of economic recovery. 1.2 National Economy The national economy continues to be among the fastest growing economies. The rebound of the Indian economy has been quicker and surer than anticipated. The performance of the industrial sector has

7 7 bpss as-ßn-h-c-hv. kao-]-am-k-ß-fn hymhkm-bni taj-e-bpss {]h Ø\w {]I-Samb coxn-bn sa -s - p. B`y- -chpw sshtz-in-i-hp-amb kmº-øni klmb km[y-x-iƒ Db p-\n p- p. aqe-[-\- Øns Hgp v ]p\-cp- o-hn- n- p- v. {]myani aqe-[\ Itºmf-Ønse \o -߃ v KXn-thKw h n- p. _m nwkv CXc B`y- c t{kmx- p-i-fn \n p kmº-øni klmbw Ffp- -am-bn. Db txmxn-ep ] -]m-xn-xz-tøm-ss-bm-sw- nepw [\-e- `yxm kml-n-cy-߃ kpk-a-ambn XpS p. [\- -hmbv]m Itºm-f-ß-fn ]eni \nc- p- Iƒ arzp-hmbn \ne-\n- p. C y-bpss _m nw-kv, kmº-øni taj-e-iƒ kpc- n- Xhpw `{Z-hp-ambn XpS-cp- p. aµ-k-xn-bn-ep hmbv]m hf bpw Iptd- qsn k o Æamb \nb-{ -Wm- -co- hpw t]mep ]pxnb sh p-hn-fn-iƒ Db p-h-cp- p-s - nepw _m p-iƒ v hf-cp- -Xn\pw hnp-bn- p- -Xn-\p-ap km[y-x-iƒ \ne-\n p- p se Pn.-Un.-]n. 7.20% Bbn-cn- psa- mwv IW- m- n-bn- p- -Xv. ASn-ÿm\ kui-cy-hn-i-k-\-øn-\m-bp ]Ww sneh-gn- Btcm-Ky-I-c-ambn XpS-cp- p. C ybnse a[y-h -Øns Bhn `mhw dos bn _m nw-kn h nx km[y-x-i-fmwv Dd- p-h-cp-øp- -Xv. AtX-k-a-bw, Nne Bi- -Iƒ \ne-\n p- p-ap- v. hnx-c-w-cw-k- Øv, {]txy-in pw ` y-h-kvxp- -fpss hne h n- p-h-cp ]W-s -cp- -Øn\v Imc-W-am- Ip- -Xns hy -amb kqn-\-i-fm-wp- -Xv. F n-cp- mepw \n Æm-b-I-amb ` y-ta-je-bnse hne-\n-e-hmcw sa -s -Sp- -Xm-bmWv kqn-\-iƒ. dm_n hnf-sh-sp v hnnm-cn- - Xnepw kwxr-]vx-am-bn-cp p; Cu h jsø ag {]h-n-\hpw A\p-Iq-e-am-Wv. ta kq-nn- n A\p-Iqe LS-I-߃ D]-t`m r hnekq-nn-i-bpss Imcyamb CSn-hn-te v \bn-t - mw. 1.3 tic-f-øns kmº-øn-i-cwkw kmaq-ln-i-ambn C y-bnse G hpw hnikn-x-kw-ÿm-\-amb ticfw kar- -amb `q{]-ir-xn, kqcy-civanbm Xnfßp IStem-c-߃, {]im- -kp-µ-c-amb Imb-ep-Iƒ F n-hbv v t]cp-ti- -Xm-Wv. kwÿm-\- Øns ]e kmaq-lni kqnn-i-ifpw hnikn-x-cm-jv{s-߃s m- -am-wv. C y-bnse G hpw Db a\p-jy-hn-i-k\ kqnni tic-f-øn-\m-wp- -Xv. ]t kmaq-lni hni-k-\w B\p-]m-Xn-I-amb kmº-øni hni-k\w kwÿm-\øv km[y-am- n-bn- n-. hnt\mzk m-c-ta-j-e-bnepw aq v Zie w hntzi ae-bm-fn-iƒ, `qcn-`m-khpw a[y- -]q th-jy cmpy-ß-fn, Abbv p ]W-Øn-ep-amWv tic-f-øns I j E Ú x π{ n x  { π]ı v Æ Ω + ΩË * n B k { Æ Œ l i   v Æ Ω Æ Ω ΩË * { ƒv + M x   { x Ø il x Ω + ΩË * l EÚ { ƒv W Æ M i v  i V + <«ΩË + ËÆ M ËÆ - ÈEÚ n ª i  k x Æ ± Ω M ΩË * x EÚn EÚ Œ l i   M i V Æ Æ Ω + ËÆ p W Æ Â Â V n Æ ± i >applev «J fi k E Ú S ± i Æ EÚÆ Æ Æ Ω * Æ i EÚ ÈÀEÚM B k I j Æ I i B V i x Ω + ΩË * fi r + ËÆ + v EÚ V ]ı± x EÚ i Æ h Ω i ÈEÚ Â E Ú I x <«S x Ë i ƒ = Æ x E Ú V n EÚ + ËÆ Ú± Ω x E Ú + Æ Æ EÚÆ Æ ΩÈ * π « E Ú n ËÆ x EÚ± P Æ ± =i{ n ± M M 7.20% Ω x EÚ +x x ΩË * ± i + EÚ i i x  o g i V Æ ΩË ; Æ i v M «E Ú + «E Ú S ± i J n Æ ÈÀEÚM  + Æ V Æ Ω Ë * < E Ú l - l E ÚUÙ S xi  x Ω <«ΩÈ * + v EÚ i & + { Ãi EÚ + Æ π EÚÆ J t EÚ i  =i{ z =n x p Ú i E Ú { π]ı E Úi ± Æ Ω ΩÈ * i l {, E Úi ± Æ Ω ΩÈ EÚ EÚ]ı{ h «J t E Ú v  ± EÚ Œ l i  v Æ Ω Æ Ω ΩË * Æ Ú ± + + v EÚ i π V x EÚ Ω x EÚ J Æ ΩË + ËÆ < π «Ω i x x EÚ π h +x E Ú± ΩË * <x EÚ Æ i EÚ EÚ Æ EÚ Â n ={ HÚ ± p Ú i  =±± J x M Æ ]ı Ω EÚi ΩË * 1.3 E ÚÆ ± +l «- l Æ i EÚ +i i V EÚ { EÚ i Æ V E ÚÆ ± +{ x Ω Æ - Æ x { i, xn Æ S B Æ h ËEÚ ]ı «E Ú EÚ Æ h V x V i ΩË * < E Ú EÚ<«V EÚ E Úi EÚ EÚ i Æ π] ı  E Ú Æ Æ ΩË + ËÆ < E Ú { Æ i  =SS i x EÚ + S EÚ ΩË * i l {, V EÚ EÚ E ÚÆ ±  +x { + Ãl EÚ EÚ x Œ S ıi x Ω Ω { * Æ V EÚ +l «- l { «]ıx { Æ + ËÆ + v EÚ i & J c n   x «i i x EÚÆ c ± ±  π i v x { Æ +i i x «Æ ΩË * v { n   =i{ z + Ãl EÚ n, V ""n <«Ú ± + >apple]ı'' E Ú {  + v EÚ V x V i ΩË, x t x EÚ «± EÚ + P ]ı n + ËÆ l Ω x ËEÚÆ EÚ i ± EÚÆ improved markedly in recent months. Domestic and external financing conditions are on the upturn. Capital inflows have revived. Activity in the primary capital market has picked up and funding from non-bank domestic sources has eased. Liquidity conditions have remained easy and interest rates remain soft in the money and credit markets, albeit with an upward bias. India s banking and financial sector continue to be safe and sound. Opportunities to grow and succeed remain despite the emergence of new challenges for banks including slower credit growth and a potentially more complex regulatory environment. The Gross Domestic Product growth is estimated to be about 7.20% during Infrastructure spending continues to be robust; the evolution of the Indian middle class continues to offer opportunities in retail banking. At the same time, some concerns persist. There are clear signs of rising inflation stemming largely from the supply side, particularly from food prices. However, there are hints that the price picture on the critical food front is improving. The rabi harvest is reported to be more than satisfactory and the monsoon forecast for this year is favourable. These positive factors may lead to significant decline in consumer price inflation. 1.3 Kerala Economy Kerala, India s most socially developed state is well known for its lush landscapes, sundrenched beaches and idyllic backwaters. Many of its social indicators are on par with developed nations and it has the highest human development index in India. However, the social development has not translated to commensurate economic development in Kerala. The state s economy is highly dependent on tourism and remittances from about three million expatriate Malayalees, mostly in Gulf countries. The recession in Middle Eastern countries, more popularly known as Dubai fallout, has reduced the income of the existing workforce as well as dealt a blow to the new job seekers from the state.

8 8 kº-zvhy-hÿ GXm v ]q Æ-ambpw B{i-bn- n-cn- p- -Xv. a[y-]q th-jy cmpy-ß-fnse kmº-øn-i-amµyw (Zp-_mbv XI ) \ne-hn-ep sxmgn-em-fn-i-fpss hcpam\w Ipd- -Xn\p ]pdta kwÿm-\-øp-\n- p-ap ]pxnb sxmgn-e-t\z-j-i v I\Ø Xncn- -Sn-bp-am-Wv. \n am-w -ta-j-ebn hfsc Xmgv \nt -]ta D q. ticf-øn {]mh Øn-I-am-bn-s m- n-cn- p hni-k\ ] -Xn-I-fmb ssivt\m-]m v aq mw-l- w, ssivt\m-kn n ] -Xn, h m ]msw A tz-iob Is bv\ {Sm kvjn-]vsa v ] -Xn, sim n F -.F.-Pn. ss an-\ (skbv (GAIL) ss] v sse ] -Xnbpw \Kc hmx-i-hn-x-c-w-]- -Xnbpw sim n F -F.-Pn. ss an-\-epambn ka-\z-bn- n- pw), IÆq hnam-\-ømh-fw, hngn w XpdapJw XpS-ßn-bh kwÿm-\øv h n sxmgn-e-h-k-c-߃ krjvsn- p-ibpw tic-f-øns kº-zvhy-hÿbv v t{]m m-l\w \ Ip-Ibpw snøpsa v {]Xo n p p. tic-f-øn\v A\p-Iq-e-amb {ZpX-th-K-Øn hni-kn- p hyh-km-b-ßsf t{]m m-ln- n- p- -Xn-\mbn se kwÿm\ _UvP v 412 timsn cq]-bpss \nt -]-amwv hn`m-h\w snøp- -Xv. 1.4 _m nwkv ]cn-ÿnxn IqSpX k nxamb kºzvhyhÿ temisøºmspw hf phcp kmlncy Øn, cmpyøns samøønep kºzvhyhÿbpss ÿncxbv v B`y c kmºøni kwhn[m\øns ÿncxbpw A\pt] nwnbamwv. k_v- ss{]w {]Xn-k- n-bp-tsbpw XpS p- mb kmº-øni Ipg- -Øn-t bpw D ÿm-bn-bnepw C y-bnse _m p-iƒ {]Xym- KXn \ne-\n Øp-I-bp- m-bn. _m nwkv taje ]cym-]vxamw hn[w aqe-[-\-h -cn- -s - n- p- v. t_k II N - q-sn-te- p am w _m nwkv kwhn-[m-\-øns aqe-[-\- ]-cym-]vxxm A\p-]mXw h [n- p- -Xn\v Imc-W-am-bn. hmbv]m KpW-\n-e-hmcw Btcm- Ky-I-c-ambn XpS-cp- p. samøw \nt -]-ßfn sne-hp-ip-d Id v A u- p-ifp-ssbpw tkhnwkvkv A u- p-i-fp-ssbpw Xmc-X-tay\ Db hnln-xhpw A]-I-S-km- [yx Ipd Kh-s v skiyq-cn- n-i-fnse Fkv.-F.-B. ap K-W-\m-h-Im-ihpw tn v [\-e-`y-xbpw tkmƒh knbpw Dd- p-h-cp-øp- p. hmbv]m hf -bpss Imcy- Øn kzimcy _m p-i-fp-ssbpw hntzi _m p-i-fp-ssbpw hf pdhn \n pw hn`n- -ambn s]mxp-ta-jem _m p-iƒ sa - Æ Ω Æ V E Ú ± M  EÚ < Z ]ıeú ± M ΩË * x «h I j  x EÚ Ú EÚ ΩË * ] ıcx { E«Ú - S Æ h - III, ] ıcx ]ı { Æ V x, ±± Æ { b  <h]ıæ x x ± EÚh] ıx Æ ] ı { h]ı ]ıã x ±, EÚ ŒSS B± Bx V ]ıã x ± + ËÆ EÚ S x B± Bx V ]ıã x ± E Ú l - l x x ± M ± { <«{ ± <x { Æ V x B ]ı M Ë b Œ ] ı x { Æ V x ), EÚhh Æ B Æ { ]«ıı, Àπ V { ]«ı + n Æ W M Æ E Ú + Æ =i{ z Ω x + ËÆ E ÚÆ ± EÚ + Ãl EÚ l EÚ g ± x EÚ +x x ΩË * π « E ÚÆ ± Æ V V ]ı  E ÚÆ ± E Ú ± B ={ HÚ i V g Æ Ω =t M  EÚ i Ω x n x E Ú ± B Ø. 412 EÚÆ c x EÚÆ x EÚ { Æ EÚ±{ x EÚ M <«ΩË * 1.4 ÈÀEÚM { «Æ h P Æ ± k h ± EÚ ± S ± { x B Œ l Æ i n E Ú +{ x Œπ]ı-+ Ãl EÚ Œ l Æ i E Ú ± B π EÚÆ i V BEÚ EfiÚi Ω Æ Ω Â + x «ΩË * Æ i ÈEÚ ={ -+ v EÚ]ı EÚ S Æ E Ú n ËÆ x + ËÆ +x i k I E Ú n Ë Æ x ± S ± x Æ Ω * ÈÀEÚM I j { «{i { { ƒv EfiÚi ΩË * ± 11  l x i Æ i Ω x E Ú { Æ h {, ÈÀEÚM h ± E Ú { ƒv { «{i i +x { i  fi r Ω <«* E Ú± V +   EÚ ± M i E Ú S ± + ËÆ S i J i V Æ Â EÚ +{ I EfiÚi =SS + + ËÆ V J HÚ Æ EÚ Æ i i   B B± + Æ { «GÚ + v EÚ Æ, x EÚn B v -I i ±  EÚ v x Æ J i ΩÈ * n J M ΩË EÚ «V x EÚ I j E Ú ÈEÚ, i Æ Â fi r E Ú ± Â, x V ÈEÚ Â Â EÚ + ËÆ n ÈEÚ Â E Ú EÚ Æ Æ Â M Æ ]ı EÚ i ± x Â Ω i Æ EÚ EÚÆ Æ Ω ΩÈ * + Ãl EÚ n ÈÀEÚM h ± E Ú i ± x { j EÚ fi r  M Æ ]ı + M <«* < EÚ ÈEÚ Â M h k i + ËÆ ± n i { Æ ± EÚ Æ { c EÚi ΩË * x EÚ { Æ i «x  x k +xi Ê x, <«± ÈÀEÚM + ËÆ O h ÈÀEÚM V Ë I j   x + Æ Â E Ú u Æ J ± n ΩÈ * B E ÚUÙ ± V x + x ±  ÈEÚÆ i Æ Ω x EÚ +x x ΩË =x  x EÚn v x, x v  EÚ ± EÚ Æ + x V x, EÚ + n ± ÈEÚ Reaching out to the remotest areas Donation of 2 rafts to Kuruva Community in Wyanad by the Bank s Sulthan Bathery Branch Investments in manufacturing sector are very low. The ongoing development projects, such as Technopark Phase-III, Technocity project, International Container Transshipment Terminal at Vallarpadom, Kochi LNG terminal (and the Gail Pipeline Project and City Gas Distribution Project to be synchronized with Kochi LNG terminal), Kannur Airport, Vizhinjam seaport etc. are expected to increase job opportunities and give a fillip to the state s economy. The Kerala State Budget for envisages investment of Rs.412 crore to encourage fast growing industries that are suitable for Kerala. 1.4 Banking Environment The resilience and stability of the domestic financial system are essential to a country s own macroeconomic stability, particularly in an increasingly integrated world. Indian banks have remained resilient even during the height of the subprime crisis and the consequent financial turmoil. The banking sector is adequately capitalised. The migration to Basel II has resulted in an increase in the capital adequacy ratio of the banking system. Credit quality continues to remain robust. The relatively high share of low cost current and savings account deposits in total deposits and SLR pre-emptions in risk free government securities take care of liquidity and solvency issues. Public Sector Banks (PSBs) were observed to be faring better in terms of growth in credit extended as compared to the deceleration in private banks and decline in business of foreign banks. The economic slowdown has

9 9 s {]I-S-\-amWv ImgvN-sh-bv p- -Xv. _m nwkv kwhn-[m-\-øn _me kv jo ns KXn-thKw Ipd hf bv v kmº-øn-i-amµyw \nzm-\-am-bn- p- v. hmbv]m-kp-w-\n-e-hm-c-ønepw _m p-i-fpss em`-km-[y-x-bnepw CXv amµyx krjvsn- pw. kmº-øni Dƒs -Sp-Ø, samss_ _m nw-kv, {KmaoW _m nwkv t]mep taj-e-i-fn \nb-{ -W-]-c-amb am -߃ ]pxnb km[y-x-iƒ Hcp- n-bn- p- v. hcpw-im-e-ß-fn _m p-i-fpss {i ti{µo-i-cn- m-\n-s-bp taj-e-iƒ ChbmWv: [\-e-`yxm ]cn-]m-e\w; t\ -ap- m- Ip Xc-Øn-ep ^ p-i-fpss hn\ymkw; _m nwkv IS- p-sn- n- n- m-ø, P\-hmkw Ipd ÿe-ß-fn tkh\w \ Ip- - Xn-\p-th sne-hp-ip-d kmt -Xn-IhnZy; hnc-an- p-, ]cn-n-b-k-º- -cmb hensbm-cp hn`mkw Poh-\- m v A\p-tbm-Pycmb ]I-c- msc hf Øn-s m- p-h-cp-i; hnh-c-km-t -Xn-I-hnZym kpc- n-xxzw; B[p\nI \jvs-kw-`m-hyxm amt\-pp-sa v kao-]-\-߃; \qx\ DXv]- -߃ Ah-X-cn- n-. \S ph jøn F m sjuyqƒuv hmwnpy _m pifpssbpw samøw \nt ]w 6,52,464 timsn cq]bpss hf tcjs SpØn am v Ahkm\sØ BgvN 17% hf tbmss 44,86,574 timsn cq]bn FØn. samøw hmbv] \S p h jøn 16.70% hf tcjs SpØn, 32,40,399 timsn cq]bmbn Db p. ` yhn`h hmbv] 4.93% h n v 48,489 timsn cq]bmbn. `t yxc hn`h hmbv] 14.49% h n v 2010 am v Ahkm\w 31,91,909 timsn cq]bnseøn. _m pifpss C shãvsa v t]m vt^mfnsbm, \nt ]ßfpsS hf bv v A\pkrX ambn h n v 18.54% hf tcjs SpØn (Ign h jsø 19.97% ambn XmcXays SpØptºmƒ) 13,82,684 timsn cq]bnseøn. 1.5 \nb-{ -W-\-S-]-Sn-Ifpw kmº-øni \bhpw C y kmº-øn-i-hy-h-ÿ-bn BtKmf kmº-øni amµy-øns BLmXw elq- I-cn- p- -Xn-\mbn 2008 sk]v w-_ ]Ip-Xnap-X dnk hv _m v Hm^v C y A\p-c- RvP-\m-fl-I-amb kmº-øn-i-\-b-amwv ]n p-s v hcp- -Xv. Itºmf ] m-fn-i-fn Bfl-hn-izmkw ]I-cp- -Xn\pw BtKmf kmº-øni {]Xn-k- n-bpss ]cn-w-x-^-eß-fn \n pw C y kº-zvhy-h-ÿsb kwc- n- p-\n Øp- -Xn\pw Cu 100% 100% 130% 160% Æ Ω i I j   Bƒ n x EÚÆ x E Ú ± B i ] ıcx ± V EÚ ={ ± v i, c J  x fik Ω x ± +x V x HÚ E Ú ={ HÚ i l { x EÚ i Ë Æ EÚÆ x ; + <«]ı Æ I ; =z i V J v x o Œπ]ıEÚ h B x x π =i{ n  EÚ + Æ EÚÆ x ± ΩË * π «E Ú n ËÆ x +x S i h ŒV EÚ ÈEÚ Â EÚ E Ú± V Æ ƒ Ø.6,52,464 EÚÆ c EÚ fi r n V «EÚÆi Ω B S «2010 E Ú +Œxi GÚ Æ EÚ Ø. 44,86,574 EÚÆ c Ω M <«+ ËÆ <x  17.00% EÚ fi r n V «Ω <«* π «E Ú n ËÆ x EÚ± + O   16.70% fi r n V «Ω <«+ ËÆ g EÚÆ Ø. 32,40,399 EÚÆ c Ω M <«* J 4.93% EÚ fi r n V «EÚÆ Ø. 48,489 EÚÆ c Ω M * M ËÆ - J  14.49% EÚ fi r n V «EÚÆ S «2010 EÚ Œ{i { Æ Ø. 31,91,909 EÚÆ c E Ú i Æ i EÚ { Ω ƒ S M * ÈEÚ Â E Ú x { ]«ı Ú ± v x fi r E Ú l - l g i Ω B (M i π «E Ú n ËÆ x n V «Ω <«19.97% fi r EÚ i ± x ) 18.54% EÚ fi r n V «EÚÆ Ø. 13,82,684 EÚÆ c E Ú i Æ i EÚ { Ω ƒ S M * 1.5 x EÚ ={ + ËÆ Ë p EÚ x i Æ i Æ W «ÈEÚ x Æ i +l «l { Æ k EÚ]ı E Ú EÚ EÚ EÚÆ x E Ú ± B v - i Æ x E Ú± Ë p EÚ x i EÚ +x i «x EÚ ΩË * =`ˆ B M B EÚn  W Æ Ω M   + i V M fii Ω + + ËÆ k EÚ]ı EÚ Ω Æ +l «- l { Æ { c x Æ EÚx Â Ω M ± * i l {, g i J t Ú i + ËÆ < EÚ p Ú i EÚ Æ i { Æ decelerated growth in the balance sheet of the banking system. This could have a lagged effect on the credit quality and profitability of banks. Regulatory changes also have opened up newer opportunities in areas such as financial inclusion, mobile banking and rural banking. Some of the issues that are expected to keep the bankers occupied in coming times include liquidity management; gainful deployment of funds; availability of cheaper technology to serve thinly populated unbanked areas; grooming suitable replacement for large number of the experienced manpower retiring; IT security; advanced Risk management approaches; and introduction of innovative products. Aggregate deposits of All Scheduled Commercial Banks grew by Rs.6,52,464 crore during the year to reach Rs. 44,86,574 crore as at the last Friday of March 2010 registering a growth rate of 17.00%. Gross Advances registered a growth of 16.70% during the year and rose to Rs.32,40,399 crore. Food Credit increased by 4.93% to Rs. 48,489 crore. Non-Food Credit grew by 14.49% and reached the level of Rs.31,91,909 crore as at the end of March The investment portfolios of banks also moved up in tandem with resource growth, recording a growth of 18.54% (compared to the growth of 19.97% during last year), to reach a level of Rs.13,82,684 crore. 1.5 Regulatory Measures and Monetary Policy The Reserve Bank has pursued an accommodative monetary policy beginning mid-september 2008 in order to mitigate the adverse impact of the global financial crisis on the Indian economy. The measures taken instilled confidence in market participants and helped cushion the spillover of the global financial crisis on to the economy. However, in view of rising food inflation and the risk of it impinging on inflationary expectations, the Reserve Bank announced the first phase of exit from the expansionary monetary policy by terminating

10 10 kmºøni\bw ImcWambn. ]t, h n p-sim- n-cn- p ` y-hn-e- -b- - hpw, hne- -b IW- p-iq- -ep-i-fn AXv snep-øm-hp kzm[o-\hpw IW- n-se- SpØv dnk hv _m v Hm^v C y hnim-k-]- c-amb kmº-øn-i-\-b-øn \n p-ap H mw-l hnsp-x {]Jym-]n- p HIvtSm- _-dn c mw ss{xamkni ]p\chtemi\ Øn Nne taj-em- -_- -amb kui-cy-߃ \n Ø-em- n-s m v sjuyqƒuv simtagvky _m p-i-fpss Ãm yq dn eniypun n A\p-]mXw (SLR) {]Xn-k- nbv v ap ]p \ne-hm-c-øn-te v ]p\x-ÿm-]n- p-sim- pamwv CXv \S- m- n-b-xv kmº-øni h j-øn \S- m- nb kmº-øni \S-]-Sn-Iƒ Ch-bmWv: BZy-]m-Z-Øn 25 ASn-ÿm\ t]mbn p- Iƒ Ipd v 4.75 ix-am-\hpw 3.25 ix-am-\- hp-am- nb dnt m, dnthgvkv dnt m \nc- p-iƒ 2010 am n 5 ix-am-\-ambpw 3.5 ix-am-\-ambpw ]p\x-ÿm-]n- -s - p. _m v \nc v am -an- msx 6 ix-am-\-ambn XpS p. \memw ]mz-øn Icp-X [\m- \p-]mxw (kn.-b.-b.) 75 ASn-ÿm\ t]mbn v h [n- n v 5.75 ix-am-\-am n; Ãm yq dn eniypun n -A\p]mXw 25 ixam-\-ambn ]p\x-ÿm-]n- p. Ib- p-axn [\-k-lm-b-ku-i-cy-øn-\p ]cn[n A l-x-bp A[nI Ib- p-axn hmbv]-bpss 50 ix-am\øn \n v 15 ix-am-\-am- n. sjuyqƒuv Ita-gvky _m p-iƒ mbp {]txyi [\-k-lmb kui-cyhpw {]txyi Ime-b-f-hn-ep dnt m kuicyhpw (ayq- z ^ p-iƒ, _m nw-kv- -C- Xc kmº-øni ÿm]-\-߃, `h-\-hmbv]m ÿm]-\-߃ F n-hbv v [\-klmbw \ Ip- -Xn-\m-bn) apx ]n h-en- p. nb-dnwkv tim -td-j Hm^v C y-bpam-bp ISw hmßepw simsp- epw _m[y-x-iƒ aqew (CBLO) sjuyqƒuv _m p-iƒ v D m-ip _m[y-x-iƒ Icp-X [\m-\p-]mxw ]pe Øp- -Xn\p hnt[-b-am-bn- m-bn-cn- pw. sjuyqƒuv Ita-gvky _m p-iƒ v _m[- I-am-b, Cu kmºøni h jw \S- m- nb {][m\ \S-]-Sn-Iƒ: + i GÚ h EÚÆ x E Ú V J E Ú n n x W Æ, Æ i Æ W «ÈEÚ x E ÚUÙ I j - π]ı v +  EÚ {i EÚÆ i Ω B + ËÆ +H Ú Æ 2009  n Æ i Ω I  +x S i h V ÈEÚ Â EÚ v EÚ S ± x v +x { i (B B± + Æ ) EÚ = E Ú EÚ]ı{ h «i Æ { Æ { x & i Œπ`ˆi EÚÆ i Ω B i Æ p x i l x EÚÆ x E Ú l S Æ h EÚ P π h EÚ * k π «E Ú n ËÆ x ± M EÚB M B Ë p EÚ ={   ± ΩÈ : { x &J Æ n n Æ + ËÆ i Ãi i { x &J Æ n n Æ n x  EÚ, + Æ Â l i Ω Â 25 + v Æ + EÚ P ]ı EÚÆ GÚ & 4.75% B 3.25% EÚÆ n M l i l S «2010  n  { x & i Œπ`ˆi EÚÆ 5.00% + ËÆ 3.50% EÚÆ n * Ω ± ƒ EÚ ÈEÚ n Æ Â EÚ <«{ Æ i «x x EÚÆ i Ω B = 6.00% Ω Æ J M, V EÚ S Ël i Ω E Ú n ËÆ x + Æ I i x EÚn x v +x { i ( + Æ + Æ ) EÚ 75 + v Æ + EÚ g EÚÆ 5.75% EÚÆ n + ËÆ v EÚ S ± x v +x { i (B B± + Æ ) EÚ 25 i i { Æ { x & i Œπ`ˆi EÚ M * x { x à k v EÚ EÚ { j EÚ x E Ú 50% P ]ı EÚÆ 15% EÚÆ n M * +x S i h ŒV EÚ ÈEÚ Â Ω i π { x à k v B π n { x &J Æ n v ( S +± Úb, M ËÆ - ÈÀEÚM k E Ú{ x  B + k E Ú{ x  E Ú k { π h Ω i ) EÚ n EÚÆ n M * Æ i v x x M ± ] ıb ( + <«B± ) E Ú l { à EÚ =v Æ n i (..B±.+ ) Â Ω B ± x n x  =i{ z +x S i ÈEÚ Â EÚ n i Bƒ, + Æ I i x EÚn x v +x { i E Ú Æ J -Æ J E Ú +v x Ω M * +x S i h ŒV EÚ ÈEÚ Â { Æ V I v x + v E Ú n ËÆ x P π i E ÚUÙ +x J ={ x x ΩÈ : some sector-specific facilities and restoring the Statutory Liquidity Ratio (SLR) of Scheduled Commercial Banks to its precrisis level in the Second Quarter Review in October The monetary measures implemented during the financial year include: Both Repo rate and Reverse repo rate, initially reduced by 25 basis points to 4.75% and 3.25% respectively in the first quarter, were later restored to 5.00% and 3.50% in March While the Bank rate was kept unchanged at 6.00%, Cash Reserve Ratio [CRR] was hiked by 75 basis points to 5.75% and Statutory Liquidity Ratio (SLR) was restored to 25% during the fourth quarter. The limit for export credit refinance facility reduced from 50% of eligible outstanding export credit to 15%. Special refinance facility and the Special term repo facility for scheduled commercial banks (for funding mutual funds, non-banking financial companies and housing finance companies) were discontinued from Liabilities of scheduled banks arising from transactions in collateralised borrowing and lending obligations (CBLO) with Clearing Corporation of India Ltd. (CCIL) to be subjected to maintenance of the CRR. Some of the other major measures announced during the period under review applicable to Scheduled Commercial Banks are: Rs.102 cr. Rs.676 cr. Rs.3,229 cr. Rs.89,345 cr. Rs.15,314 cr.

11 11 tkhnwkvkv _m v A u- p-i-fpss ]eni 2010 G{]n 1 apx sjuyqƒuv Ita-gvky _m p-iƒ Zn\w{]Xnbp \o nbncn ns ASnÿm\Øn IW- m- pw. ]pxnb {_m v XpSßphm\p am K- \n tz-i-߃ DZm-c-am n ap Iq A\paXn IqSmsX sjuyqƒuv Ita-gvky _m p-iƒ v hs- p-in-g- kwÿm- \-ß-fnepw a p kwÿm-\-ßfnse 49,999 hsc P\-kw-Jy-bp ti{µ-ß-fnepw imj-iƒ Xpd- p- -Xn-\p A\p-aXn In n. IqSmsX Hm^vssk v F.-Sn.-F-Ωp- Iƒ Bcw-`n- phm\pw A\p-aXn \ In. s_ vam v ss{]w se UnMv td v (BPLR) LS-\bv v ]I-c-ambn 2010 Pqsse H p-ap-x C y-bnse _m p-iƒ mbn dnk hv _m v Hm^v C y Hcp ]pxnb ASnkvYm\ \nc v Ah-X-cn- n- psim v DØ-c-hn-d- n. _m p-iƒ p Ib- p-axn hmbv]m-[-\- k-lm-b-øn-\p ]cn[n h [n- n- Xv 2010 am v 31 hsc \o n. kmº-øni Dƒs -Sp-Ø (Financial Inclusion) Du nxam p -Xn-\p ka- {K-amb am K-\n tz-i-߃ ]pd-s -Sp-hn p ASpØ aq p h j-ß-fn-embn \S- m- p- -Xn-\p-th n t_m Uv AwKo-I-cn kmº-øni Dƒs -Sp-Ø ] Xn am v 2010\v apºv F m _m p-ifpw Xbm-dm- m _m[y-ÿ-am-wv. samss_ _m nwkv \S- m- p- -Xn- \p ka-{k-\n tz-i-߃ ]pd-s -Sp-hn- p. ]W-a-b-bv p- -Xn\pw km[-\-߃ / tkh-\-߃ hmßp- -Xn\pw D]-t`m- mhn-\p ssz\w-zn\ ]cn[n 50,000 cq]- bm n h [n- n- p. \ne-hn CXv 5,000 cq]m, 10,000 cq]m F n-ßs\ {]txyi ]cn-[n-bm-bn-cp- p. F.-B.(-C).-B.-F, F^v.-kn.-F.- B (_n) \nt -]-ß-fn-ep XpI-bpsS CuSn A\p-h-Zn- p hmbv]m XpI 20 e w cq]-bn \n pw Hcp timsn cq]- bmbn Db Øn. Itagvky dnb Ftà v tajebnse kxv{inb BkvXnIfn taep hibncpø A\p]mXw 0.4% \n v 1% Bbn Db Øn. \njv{inb BkvXn-Iƒs -Xn-sc-bp \n nx hibncpøepifpw Aÿnc hibncpøepifpw i n-s -Sp-Øm _m p-iƒ v \n tziw \ In. CØ-c- Øn 2010 sk]v w-_-dn-\-iw, Aÿnc 1 + ˱ x S i h ŒV EÚ ÈEÚ Â u Æ S i ÈEÚ J i  { Æ V EÚ { Æ EÚ± x n Ë x EÚ =i{ n + v Æ { Æ Ω M * J v EÚÆ h n - x nê  EÚ =n Æ EfiÚi EÚÆ n M - +x S i h ŒV EÚ ÈEÚ Â (B ) EÚ +x i n M <«EÚ x { «+x n x E Ú, E Ú ± < EÚ S x n EÚÆ + Ú- <«]ı B]ı B l { i EÚÆ EÚi ΩÈ * +x S i h ŒV EÚ ÈEÚ Â EÚ =k Æ { «Æ V   + ËÆ +x Æ V   49,999 i EÚ EÚ V x J ± E Úxp Â Â Æ i Æ W «ÈEÚ EÚ { «+x n x E Ú x EÚ «±  EÚ J ± x EÚ +x i n M <«* Æ i ÈEÚ Â E Ú ± B 1 V ± <«, 2010 EÚ i l + v Æ x x i =v Æ n Æ f ƒs (.{.B±.+ Æ ) E Ú l x { Æ x B ± n Æ EÚ + Æ EÚ ΩË * ÈEÚ Â E Ú ± B x { x à i Ω i Ãv i EÚ 31 S «2010 i EÚ g n M * k +xi Ê x P x EÚÆ h Ω i { EÚ n - x nê V Æ EÚB M B - ÈEÚ Â EÚ S «2010 { Ω ± b«u Æ +x n i k +xi Ê x V x i Ë Æ Æ J x l - V EÚ +M ± 3 π Á  ± M EÚ V x ΩË * <± ÈÀEÚM EÚ ± M EÚÆ x E Ú ± B { EÚ n - x nê V Æ EÚB M B l * ± x n x  { Æ në x EÚ EËÚ{ EÚ x v + i Æ h B i +  / +  EÚ J Æ n  ± {i ± x n x Â, n x  EÚ { Ω ± E Ú GÚ & Ø. 5,000/- B Ø. 10,000/ - E Ú { fil EÚ EËÚ{  g EÚÆ i O Ω EÚ Ø. 50,000/- EÚÆ n M * Bx + Æ (<«) + Æ B + ËÆ B Ú Bx + Æ ( ) V +   v Æ i x v  EÚ V x i { Æ n B M { Æ Œ l i Ø. 20 ± J E Ú EËÚ{ EÚ f EÚÆ Ø. 1 EÚÆ c EÚÆ n M * ' x EÚ + Œ i Â' E Ú {  M EfiÚi h ŒV EÚ l Æ { n I j EÚ + O Ω i v x EÚÆ h + EÚi EÚ 0.4 i i g EÚÆ 1.0 i i EÚÆ n M * ÈEÚ Â EÚ +x V «EÚ { Æ { k  { Æ π]ı v x  i l + l v x  HÚ =x E Ú v x EÚÆ h M V <  EÚ Ãv i EÚÆ x Ω i Interest on savings bank accounts is to be calculated by scheduled commercial banks on a daily product basis from April 1, Branch Authorisation Guidelines were liberalized - Scheduled commercial banks (SCBs) allowed to set up off-site ATMs without prior approval subject to reporting. SCBs also permitted to open offices in North Eastern states and in centres with population up to 49,999 in other states without prior approval from the RBI. Introduction of a new Base Rate for Indian Banks in place of the Benchmark Prime Lending Rate [BPLR] structure, with effect from July 01, 2010, The increased limit for export credit refinance for banks extended up to March 31, Comprehensive guidelines were issued for deepening Financial Inclusion all Banks were required to put in place a Board approved Financial Inclusion Plan before March 2010, to be implemented over the next 3 years. Comprehensive Guidelines were issued for implementing Mobile Banking. The daily cap on transactions was increased to Rs.50,000/- per customer for both funds transfer and transactions involving purchase of goods/services from the earlier separate caps of Rs.5,000/- and Rs.10,000/- respectively. The cap of Rs.20 lac on loans granted against the security of funds held in NR(E)RA and FCNR (B) deposits enhanced to Rs.1 crore. The provisioning requirement for advances to the commercial real estate sector classified as standard assets increased from 0.4% to 1.0%. Banks advised to augment their provisioning cushions consisting of specific provisions against nonperforming assets (NPAs) as well as floating provisions so that their total

12 12 hibncpøepiƒ Dƒs ss samøw hibncpø (\njv{inb BkvXn v FXnsc) A\p-]mXw 70 ix-am-\-am-i-wsa- mwv Dt±-in- n- p- -Xv. 2. _m ns {]I-S\w 2.1 {]h Ø-\-^-ehpw {]h Ø-\- em-`hpw se _m ns {]h Ø-\-em`w (Ãm- ^w-k-߃ p Nnehv hi-bn-cp-øn-b-xn\v tijw), ap h jsø 1, timsn cq]- bn \n pw 1, cq]-bn-se-øn. \S- ph jsø A m-zmbw se timsn cq]m F Xv timsn cq]-bm-bn. {]Xn Hmlcn hcp-am\w (]Øv cq] apj-hn-ebp- ) cq]-bn \n pw cq]- bmbn h [n- p. 2.2 em`-hn-lnxw Hml-cn-bp-S-a-Iƒ v _m v Db em`-hn-ln- X-amb 160% {]Jym-]n- p. Cubn-\-Øn BsI timsn cq] \ ti- Xp v. em`hn-ln-x- -hn-x-cw A\p-]mXw (em-`-hn-lnx \nip-xn-iq-sm-sx) 12.05% BWv. 2.3 aqe-[\ kam-l-c-whpw aqe-[\ ]cym-]vx-xbpw _m ns aqe[\ ^ p-iƒ 2009 am v Ah-km\w timsn cq]-bm-bn-cp- Xv 2010 am v Ah-km\w timsn cq]- bmbn h [n- p. t_k II N - qsv A\pk-cn v aqe-[\ ]cym-]vxxm A\p-]mXw 2009 am nse ix-am-\-øn \n pw ix-am-\-am-bn. dnk hv _m v \n -bn- n- p G hpw Ipd A\p-]mXw 9 ix-am-\-am-wv. CRAR s Snb I ap h jsø 8.59 ix-am- \sø At]- n 9.24% Bbn Db p. 2.4 \nt ]w _m ns samøw \nt ]w ix-am\w hf tcj-s -Sp-Øn, 2010 am v 31- \v timsn cq]-bm-bn am v 31\v CXv 42,041 Expanding Financial Inclusion Inauguration of RSETI & FLCC at Alappuzha by Dr. Thomas Isaac, Finance Minister, Govt. of Kerala S i EÚÆ x ΩË i EÚ + l v x Â Ω i =x EÚ E Ú± v x EÚÆ h EÚ Æ V +x { i i Æ 2010 i EÚ 70 i i i EÚ { Ω ƒ S V B* 2. ÈEÚ EÚ x π{ n x 2.1. EÚ «S ± x { Æ h i l { Æ S ± x ± ÈEÚ EÚ { Æ S ± x M i ± ( ]ı Ú v x  E Ú n ) M i π «E Ú Ø. 1, EÚÆ c EÚ i ± x Â π « E Ú n ËÆ x Ø. 1, EÚÆ c Æ Ω * π «EÚ x ± ± E Ú. Ø EÚÆ c EÚ i ± x  Ø. 6,84.27 EÚÆ c Æ Ω * ËEÚ EÚ i Æ +V «x (+ EÚi ± Ø. 10/-) Ø g EÚÆ Ø Ω M * 2.2 ± ÈEÚ x Æ v Æ EÚ Â E Ú ± B 160% EÚ =SS i Æ ± EÚ P π h EÚ V  ± EÚÆ Œ ± i EÚÆ i Ω B E Ú± Ø EÚÆ c J S «Ω ÂM * J S «+x { i i Æ h ± (± EÚÆ Æ Ω i ) EÚ 12.05% Ω M * 2.3. { ƒv v «x B { ƒv { «{i i ÈEÚ EÚ { ƒv x v ƒ S «2009 EÚ Œ{i { Æ Œ l i Ø. 3, EÚÆ c v Æ EÚÆ S «2010 EÚ Œ{i { Æ Ø. 4, EÚÆ c Ω M <«* ÈEÚ, 31 S «2008 EÚ i l ± -II f ƒs EÚ <O ]ı Ω M * ± -II E Ú + i M «i { ƒv { «{i i +x { i, Æ i Æ W «ÈEÚ u Æ x i x x i 9% E Ú { Æ i S «09 E Ú 14.03% EÚ i ± x  S «10  13.74% ΩË * M i π «EÚ Œ{i { Æ Œ l i 8.59% EÚ i ± x  < i l EÚ ]ı Æ -I + Æ B + Æ 9.24% ΩË * 2.4 V Æ ƒ ÈEÚ EÚ E Ú± V Æ Â Â 21.03% EÚ fi r n V «Ω <«V Ω 31 S «2009 E Ú Ø. 42,041 EÚÆ c EÚ i ± x  31 S «2010 E Ú +x Æ Ø. 50,883 EÚÆ c E Ú i Æ i EÚ { Ω ƒ S M <«* Ë HÚEÚ provisioning coverage ratio, including floating provisions, reaches 70% by September BANK S PERFORMANCE 2.1 Working Results and Operating Profit Operating profit (after staff provisions) of the Bank for stood at Rs.1, crore as against Rs.1, crore for the previous year. Net Profit for the year stood at Rs crore as compared to Rs crore in The Earnings per share (of Rs.10 face value) improved from Rs to Rs Dividend The Bank declared a higher dividend of 160% to the shareholders, entailing a total payout of Rs crore, including dividend tax. The Pay-out Ratio works out to 12.05% of the distributable profit (excluding dividend tax). 2.3 Capital Augmentation & Capital Adequacy The Bank s capital funds improved from Rs.3, crore as at the end of March 2009 to Rs.4, crore as at the end of March The Bank has migrated to Basel-II framework with effect from 31st March The Capital Adequacy Ratio under Basel II stood at 13.74% in March 10 as compared to 14.03% in March 09 against a minimum of 9% stipulated by RBI. The Tier-I CRAR on this date is 9.24% as against 8.59% as at the end of the previous year. 2.4 Deposits Total deposits of the Bank registered a growth of 21.03%, reaching the level of Rs.50,883 crore as on 31st March 2010 as against Rs.42,041 crore as on 31st March Personal Deposits grew by Rs.3,891 crore to reach Rs.32,478 crore. As a consequence of economic slowdown experienced in the Gulf countries, particularly the UAE, the NRE Deposits were subdued during the year. Other factors like the low NRE interest rates, unfavourable exchange

13 13 Rs.30,984 cr. Rs.35,354 cr. Rs.42,041 cr. Rs.50,883 cr. timsn cq]-bm-bn-cp- p. hy n-kx \nt - ]-߃ 3,891 timsn cq] h n v 32,478 timsn cq]-bn-se-øn. Kƒ^v cmjv{s-ß-fn-se, {]txy- In v bpssw- Uv Ad_v Fan-td v-knse kmº-øniamµysø XpS v \S v h j- Øn {]hmkn \nt -]-߃ aµkxn-bn-embn-cp- p. {]hmkn \nt ]ßfn taep Ipd ]eni\nc v, {]XnIqeamb hn\nab \nc v, {]hmkn \nt ]Øn \n pw km[mcw B`y c \nt ] Ønte p am w, ÿmhc kzøp fn t ep \nt ]w F o hkvxpxifpw Ipd hf v B w Iq n am v 31\v {]hmkn \nt -]-߃ 10,837 timsn cq]bpw BsI \nt -]-Øns ixam-\hpam-wv. 2.5 hmbv]-iƒ _m ns samøw hmbv]-iƒ \S- p-h j- Øn ix-am\w hf tcj-s -Sp-Øn am v 31\v 32,601 timsn cq]-bm-bn-cp hmbv] 2010 am v 31\v 38,461 timsn cq]-bmbn Db p. C &I hn`m-k-øn-tebpw (3,242 timsn cq]-bpss hf ) hy n-kx hn`m-k-øntebpw (1,974 timsn cq]-bpss hf ) h - \-hmwv apjy-ambpw Cu hf bv v \nzm- \-am-b-xv. _m ns Nn d hmbv]-iƒ timsn cq]-bm-wv. CXv samøw hmbv]-ifpss ix-am-\-am-wv. _m ns hmbv]m \nt ] A\p-]mXw 2009 am v 31\v ix-am\w Bbn-cp- Xv 2010 am v 31\v ix-am\w Bbn. V Æ Â Â Ø. 3,891 EÚÆ c EÚ fi r Ω EÚÆ Ω Ø. 32,478 EÚÆ c Ω M <«* J c Æ V   π EÚÆ, B<«Â {i + Ãl EÚ n E Ú { Æ h { π «E Ú n ËÆ x Bx + Æ <«V +   M Æ ]ı EÚ Œ l i Æ Ω * +x EÚ Æ h ΩË x x Bx + Æ <«V n Æ, i E Ú± x n Æ, c { Ë x { Æ Bx + Æ + <«V +   { Æ i «x i l l Æ { n ( Æ ± B ] ı]ı) I j E Ú i + EÚπ «h * Bx + Æ + <«V Æ ƒ 31 S «2010 E Ú +x Æ Ø. 10,837 EÚÆ c Æ Ω + ËÆ ÈEÚ EÚ E Ú± V Æ Â EÚ 21.30% ΩË * O π «E Ú n ËÆ x ÈEÚ E Ú E Ú± + O  17.97% EÚ fi r n V «Ω <«V EÚ 31 S «2009 EÚ Œ l i E Ú +x Æ Ø. 32,601EÚÆ c EÚ i ± x  31 S «2010 E Ú +x Æ Ø.38,461 EÚÆ c E Ú i Æ i EÚ { Ω ƒ S M <«* <  J i & Bhb + <«M h]ı (Ø. 3,242 EÚÆ c EÚ fi r ) B HÚM i M h]ı (Ø. 1,974 EÚÆ c EÚ fi r ) EÚ M n x Æ Ω ΩË * S «2010 EÚ Œ{i { Æ ÈEÚ EÚ J n Ø. 19,688 EÚÆ c Æ Ω + ËÆ Ω + O { ]«ı Ú ± EÚ 51.19% Æ Ω * ÈEÚ V +x { i 31 S «2009 E Ú 77.54% EÚ i ± x  31 S «2010 E Ú +x Æ 75.59% Æ Ω * 2.6 EÚ Æ Æ + i «ÈEÚ EÚ EÚ Æ Æ + i «31 S «2009 E Ú Ø. 74,642 EÚÆ c E Ú i Æ Â 19.70% EÚ fi r n V «rates, large scale conversion of NRI deposits to domestic deposits and the lure of real estate sector also contributed to the subdued trend. NRI deposits stood at Rs.10,837 crore and constituted 21.30% of the Total deposits of the Bank as on 31st March Advances Total advances of the Bank registered a growth of 17.97% during the year and reached a level of Rs.38,461 crore as on 31st March 2010 as against Rs.32,601 crore as on 31st March The main contributions came from the C&I segment [growth of Rs.3,242 crore] and Personal segment [growth of Rs.1,974 crore]. The Bank s Retail lending stood at Rs.19,688 crore and constituted 51.19% of the credit portfolio as at the end of March The Credit Deposit Ratio of the Bank stood at 75.59% as on 31st March 2010 as against 77.54% as on 31st March Business Turnover The business turnover of the Bank stood at Rs.89,345 crore on 31st March 2010, registering a growth of 19.70% from the level of Rs.74,642 crore as on 31st March Market Share Bank s All India market share in deposits has improved from 1.08% on 27th March 2009 to 1.09% on 26th March In Advances the share has improved from 1.15% to 1.18% in the same period. The Bank continued to maintain its position as the premier bank in Kerala with a market 2.6 _nkn-\kv hn p-h-chv _m ns samøw hn p-h-chv 2010 am v 31\v 89,345 timsn cq]-bn-se-øn am v 31se 74,642 timsn cq]-sb- -Xn \n v ixam\w hf -bm-wnxv hy -am- p- -Xv. EÚÆ i Ω B 31 S «2010 E Ú +x Æ Ø. 89,345 EÚÆ c Ω M * 2.7 W Æ + V Æ Â Â ÈEÚ EÚ + J ± Æ i W Æ + 27 S «2009 E Ú 1.08% v Æ EÚÆ 26 S «2010  1.09% Æ Ω * + O   + x + v  1.15% v Æ EÚÆ 1.18% Ω + * ÈEÚ x n Æ 2009 E Ú +x Æ (< Æ { ]«ı EÚ n x EÚ 2.7 hn]-wn-hn-lnxw \nt -]-ß-fn _m ns AJn-te- y hn]wn hnlnxw 2009 am v 27\v 1.08 ix-am- \-am-bn-cp- Xv 2010 am v 26\v 1.09 ix-am-\- ambn sa -s - p. hmbv]-ifnse hnlnxw CtX Ime-b-f-hn 1.15 ix-am-\-øn \n pw 1.18 ix-am-\-ambn h [n- p. tic-f- Rs.24,630 cr. Rs.28,137 cr. Rs.32,601 cr. Rs.38,461 cr.

14 14 Rs.9,895 cr. Rs.11,742 cr. Rs.13,015 cr. Rs.14,091 cr. Ønse hn]wn hnln-x-øns ix-am- \hpw (2009 Unkw-_ ) imjm irwj-ebpss ix-am-\hpw ssib-s n tic-f- Ønse apjy-_m v F ]Zhn \ne-\n Ønhcp- p. 2.8 ap K-W\m hmbv]m taj-e-iƒ tzio-b \b-߃ pw {]Xo- Iƒ pw kmaq-ly-e- y-ßfpss ^e-{]m-]vxn pw A\p-k-cn- v, ap K-W\m hn`m-k-߃ p hmbv] \ Ip- -Xn khn-ti-j-amb Du \ Ip ]Xnhv _m v XpS-cp- p. ap K-W\m taj-ebv p _m v \ Inb samøw hmbv] 2009 am v 31se 13,015 timsn cq]-bn \n v, \S- p-h jw 1,076 timsn cq] h [n- v, 2010 am v 31\v 14,091 timsn cq]-bmbn am v Ah-km-\w, ap K-W\m taj-e-iƒ p hmbv]-iƒ (A l-amb \nt -]-߃ Dƒs -ss) 40 ixam\w F ASn-ÿm\ am\-z-wvusø adn- I-S- v, {IaoIrX A _m v s{iun- ns ix-am-\-ambn h [n- p. 2.9 Irjn pw {Kmao-W-ta-J-e-bv pap [\-k-lm-bw, kzbw klm-bkw-l-߃ (SHGs) {]txyi Im jni [\klmb ] Xn e y-an- n-cp 3000 timsn cq]-bn 2010 am v Ah-km\w hsc 3083 timsn cq]- bmwv Im jni taj-ebv p _m v hnxcww snbvx-xv am v 31\v Im jni taj-e-bv p hmbv] (A l-x-bp \nt -]-߃ Dƒs -ss) 3,414 timsn cq]-bm- Wv. CXv Ign h jsø At]- n v 461 timsn cq]-bpss h [-\-hmwv ImWn- p- - Xv. Im jni tajebv p _m ns hmbv] {IaoIrX A _m v {IUn ns ixam\amwv Pqsse apx sk]v w-_ hsc "Fkv.- _n. n lcn-txm khw 2009' F t]cn 500 timsn cq]-bpss hmbv]m e yhpw Im jni taj-e-bnse hnhn[ hn`m-k-ß-fnembn 70,000 A u- p-i-fp-ssbpw h [\ EÚ Æ i Æ V «ÈEÚ u Æ x x i EÚ i b ]ı E Ú +x Æ ) Æ V E Ú E Ú± J x ]ı E«Ú E Ú 14.23% E Ú l 22.56% EÚ Æ Æ Â V Æ + E Ú l E ÚÆ ±  J ÈEÚ EÚ +{ x Œ l i EÚ Æ EÚÆ Æ Æ J * 2.8 l EÚi {i I j =v Æ Æ π] ı x i Â, V EÚ =q  EÚ i B { Ãi E Ú +x { ÈEÚ x l EÚi {i I j EÚ =v Æ n x { Æ π ± n x V Æ Æ J * ÈEÚ EÚ l EÚi {i I j EÚ =v Æ S «2009 EÚ Œ{i { Æ Œ l i Ø. 13,015 EÚÆ c, Ø. 1,076 EÚÆ c EÚ fi r n V «EÚÆ S «2010 EÚ Œ{i { Æ Ø. 14,091 EÚÆ c i EÚ { Ω ƒ S M * S «2010 EÚ Œ l i E Ú +x Æ l EÚi {i I j + O ({ j x Â Ω i ), 40% + v Æ EÚ i ± x Â, V i x ± (B Bx ) EÚ 43.87% Æ Ω *Ú 2.9 EfiÚ π B O h k B Ω i Ω ÈEÚ x Ø. 3,000 EÚÆ c E Ú π EfiÚ V x ± I E Ú { Æ i S «2010 EÚ Œ{i { Æ EfiÚ π J b E Ú + i M «i Ø.3,083 EÚÆ c EÚ i Æ h EÚ * 31 S «2010 EÚ Œ l i E Ú +x Æ EfiÚ π J b ({ j x  EÚ Œ ± i EÚÆ i Ω B) EÚ =v Æ EÚ i Æ Ø. 3,414 EÚÆ c Æ Ω V M i π «EÚ i ± x  Ø. 461 EÚÆ c EÚ fi r n «i ΩË * ÈEÚ E Ú B Bx E Ú EfiÚ π + O 10.33% ΩË * + O J b   z n  E Ú +xi M «i 70,000 x J i  EÚ fi r E Ú l Ø. 500 EÚÆ c E Ú =v Æ ± I E Ú l V ± <«- i Æ 2009 E Ú n ËÆ x ""B ]ı Ω Æ i i 2009" x EÚ BEÚ M Ω x EfiÚ π =v Æ + x S ± M l * < + x EÚ Æ Ú± i ± V E Ú +xi M «i E Ú± Ø. 502 EÚÆ c E Ú i Æ h 94,000 x -J i  E Ú +v x EÚB M B* S ± k π «E Ú n ËÆ x GÚ & Ø.188 EÚÆ c B Ø.172 EÚÆ c E Ú x v { Æ E Ú l 28,804 EÚ x G Ú b ]ı EÚ b«( EÚ x  Rs.3,494 cr. (1.09 lac) Rs.4,158 cr. (1.16 lac) Rs.4,858 cr. (1.21 lac) Rs.6,144 cr. (1.33 lac) share in business of 22.56% as at December 2009 (as per latest published Data by Reserve Bank of India as on date of this report) with 14.23% of the total branch network in the state. 2.8 Priority Sector Lendings The Bank continued to lay special emphasis on lending to the Priority Sector in conformity with the national policies, expectations and fulfillment of social objectives. Bank s Priority Sector Lendings increased from Rs.13,015 crore as at the end of March 2009 to Rs.14,091 crore as at the end of March 2010, recording a growth of Rs.1,076 crore. As at March 2010, Priority Sector advances [including eligible investments] constituted 43.87% of the Adjusted Net Bank Credit [ANBC] against the benchmark of 40%. 2.9 Agricultural and Rural Finance & Self Help Groups Bank has disbursed an amount of Rs.3,083 crore under agriculture segment as at the end of March 2010 against the Special Agricultural Credit Plan target of Rs.3,000 crore. The level of lending to Agriculture segment (including eligible investments) stood at Rs.3,414 crore as on 31 st March 2010 which represents a growth of Rs.461 crore over the previous year. Bank s Agriculture Advances constitute 10.33% of ANBC. An intensive Agricultural lending campaign titled SBT HARITOTSAVAM-2009 was conducted during Jul-Sep 2009 with a lending target of Rs.500 crore and 70,000 new accounts under various heads in Agriculture segment. The campaign was a grand success achieving disbursements aggregating Rs.502 crore under 94,000 new

15 15 e y-an-sp Xo{h-Im jni hmbv]m {]NmcWw kwl-sn- n- p-i-bp- m-bn. 94,000 A u- p-i-fn-embn 502 timsn cq]m hmbv] \ In Kw`oc hnpbw t\sp-hm Cu {]Nmc-W-]- -Xnbv v Ign p. \S p kmº- ØnI h j-øn 28,804 Inkm s{iun v Im Up-Ifpw (I j-i v {]h Ø\ aqe- [\w e`y-am- p- -Xn-\v) 5311 Inkm tkmƒuv Im Up-Ifpw (I j-i m-bp \nt ] hmbv]) hnx-cww snbvxp. CXn- \mbn bym-{iaw 188 timsn cq]bpw 172 timsn cq]-bp-amwv hn\n-tbm-kn- -Xv. hmbv]m ] - Xn-I-fpsS e`yx Bh-iy- m-cmb I j-icn FØn- p- -Xn\pw {KmaoW P\-k-aql-Øn _m v \S- m- n-s m- n-cn- p hnhn[ Xcw Im jni ] -Xn-I-sf- p-dn- p A-h-t_m[w krjvsn- p- -Xn-\p-ambn {KmaoW taj-e-bn-eqss {]Nm-cW hml\w G m-sm- n-bn- p- v. Im jni taj-em-hmbv] sa -s -Sp-Øp- - Xn\pw ]c-am-h[n I j-isc _m ns A u- n\v Iogn-se-Øn- p- -Xn-\p-ambn Im jn-i-`q-an- -bn \nb-a-]-c-amb DS-a-ÿ-Xbp, Ign c p-h j- me-ambn sa s Xncn- -Shp Ncn-{X-ap I j-i mbn Hcp e w cq] hsc-bp Im jni hmbv]- I-fn CuSv kw_- n \n_- -\-I-fn Cfhv hcp-øn-bn- p- v. SGSY ] -Xn-b-\p-kcn v hy y[njvtnx hmbv]-iƒ p A\p- _ CuSv Hgn-hm- 50,000 cq]-bn \n v Hcp e w cp]-bmbpw {Kq v hmbv]- Iƒ v 5 e w cq]-bn \n pw ]Øv e w cq]-bmbpw bym-{iaw Db Øn-bn- p- v. kzbw-k-lmb kwl-ßsf t{]m m-ln- n- p- -Xnepw ssat{im ^n\m knwkv C Ãn- yq-j-\p-ifpw (MFI) k m CXc ÿm]- \-ßfpw (NGOs) aptj\ Ahbv v kmº- ØnI klmbw \ Ip- -Xn\pw _m v {]Xn- m-_- -am-wv. CXp-hsc 542 timsn cq]- bpss kmº-øn-i-k-lmbw 78,677 kwl߃ mbn \ In-bn- p- v. kzbw klmb kwl-߃, Zmcn-{Zy-tc-Jbv v Xmsg-bp Ab q- -߃ F n-h-bnse AwK-߃ v `h-\-\n am-w-øn-\p `h- \{io ] Xn {]Imcw \S- p-h jw _m v 37 IpSpw-_-߃ mbn 29 e w cq] [\-klmbw \ In. kmt -XnI]ptcm-K-Xn-bpsS t\ w I j-i-cnse-øn- p- -Xn-\mbn Im jni hmbv]- Iƒ p At]- -Iƒ Hm sse-\mbn ka n- p- -Xn-\p- kwhn[m\w Hcp- nbn- p- v. _m ns sh_vssk- ns tlmwt]-pn Cu kuicyw e`y-am-wv. s]mxp-p-\-߃ n-s-bn _m ns hnhn[ EÚ EÚ «± { ƒv v ) B 5,311 EÚ x M ±b EÚ b«( EÚ x  EÚ ) V Æ EÚB M B* W Æ i n EÚ x  EÚ =v Æ E Ú v  n { Ω ƒ S x + ËÆ ÈEÚ Â ± M EÚB V Æ Ω z EfiÚ π V x +  E Ú v  O h V x i  V M EÚi { Ën EÚÆ x E Ú =q l «O h I j   S Æ Ëx S ± M * EfiÚ π EÚ Ë v EÚ i ± B EÚ x V x EÚ M i n π Á EÚ S EÚ Ëi ] ËıEÚ Æ EÚ b«+suù ΩË, =x E Ú v  Ø. 1 ± J i EÚ E Ú Ú Â E Ú ± B V x i x n b Â Â Æ i n M <«i EÚ EfiÚ π E Ú ± B n B V x ± =v Æ Â v Æ Ω E Ú + ËÆ + v EÚi J  EÚ x  EÚ ÈEÚ EÚ Ω Â E Ú +xi M «i ± E Ú* B V B <«V x E Ú +xi M «i, GÚ & HÚM Â Ω i { à EÚ i i  U Ù]ı EÚ Ø. 50,000 g EÚÆ Ø. 1 ± J i l Â Ω i Ø. 5 ± J g EÚÆ Ø. 10 ± J EÚÆ n M * ÈEÚ Ω i Ω Â E Ú i «x B I k l +  B M ËÆ Æ EÚ Æ M `ˆx  E Ú v =x E Ú k { π h E Ú i i r ΩË * Ø.542 EÚÆ c E Ú k { Æ E Ú l + i EÚ 78,677 Ω Â EÚ Ω i EÚ M <«* π «E Ú n ËÆ x ÈEÚ x M Æ Æ J E Ú x S V x { x EÚÆ Æ Ω Ω i Ω Â/{ c Ω Â E Ú n  E Ú ± B M fiω - x «h Ω i x V x E Ú +xi M «i Ø. 29 ± J E Ú { Æ E Ú l 37 { Æ Æ Â EÚ k { π h EÚ * Ët M EÚ =z i E Ú ± EÚ x  i EÚ { Ω ƒ S x E Ú ± B, + V x i E Ú ={ M l «EfiÚ π + O  E Ú v  + n x  E Ú + Ïx ± <x { V EÚÆ h Ω i BEÚ ]ı ± ]ı ={ ± v EÚ M <«ΩË * Ω v ÈEÚ E Ú <x]ıæ x ]ı <]ı  ={ ± v ΩË * z EfiÚ π =i{ n  E Ú Æ Â V x i E Ú S V M EÚi { Ën EÚÆ x E Ú ± B x b«e Ú + v EÚ Æ Â + ËÆ Æ EÚ Æ EÚ M { n v EÚ Æ Â EÚ ± EÚÆ + v EÚ O h B +r«- Ω Æ J +   EÚ x  EÚ Ë`ˆEÚ Â ( Ú ««]ı) EÚ Celebrating Women s Day Presenting uniform kits to Kudumbashree members on Women s Day accounts. During the current fiscal 28,804 Kisan Credit Cards (Working capital facility to farmers) and 5,311 Kisan Gold Cards (Investment credit to farmers) were issued with an outlay of funds of Rs.188 crore and Rs.172 crore respectively. In order to spread the message of lending to needy farmers and to create awareness among the rural folk on the various agricultural schemes being implemented in the Bank, a publicity van was plied through the rural areas. The security norms were relaxed for crop loans up to Rs.1 lac in respect of farmers having legal ownership of agricultural land with good repayment track record for last two years to improve the lending to agriculture and bring maximum number of farmers to the bank s books. Under the SGSY scheme, exemption in collateral security for individual loans was raised from Rs.50,000/- to Rs.1 lac and Group loans from Rs.5 lac to Rs.10 lac respectively. Bank has been committed in promoting Self Help Groups and financing them through MFIs and NGOs. 78,677 groups were assisted so far with a financial outlay of Rs.542 crore. Bank during the year financed 37 families with an outlay of funds of Rs.29 lac under Bhavansree Scheme for constructing houses to members of Self Help Groups / Neighbourhood groups living below poverty line. With a view to pass on the benefit of technological advancement to the farmers, a utility has been provided for registration of applications on-line in respect of Agricultural advances for the use of general public. The facility is available in the internet website of the Bank. Farmers Meets were conducted in most of the rural and semi-urban branches with

16 16 Im jni hmbv]m ] XnIsf- p-dn- p Ah-t_m[w krjvsn- p- -Xn-\mbn \_m Un-t bpw k m-cns hni-k\ hip- p-i-fnse DtZym-K-ÿ- m-cp-ssbpw ] mfn-ø-tømss F m {KmaoW imj-i-fnepw A - -\-Kc imj-i-fnepw I j-i-cpss tbmk-߃ kwl-sn- n- p. _m n\v CXphsc 210 ^m tagvkv p-i-fp- v. an hmdpw F mw-xs {Kmao-W, A - \- -Kc imj-i-fn-emwv {]h Øn- p- -Xv. {KmaoW taj-e-bpss ]cn-h Ø-\-Øn-\p Xzc-I-ßfmbn {]h Øn- p-i-bmwh kq va-x-e, sndp-in-s- - C-S-Øcw kwcw-`-߃ p hmbv]-iƒ (MSMEs) kq va-x-e, sndp-in-s- -C-S-Øcw kwcw-`߃ p kpoh ]n pw _m v XpS psim- n-cn- p- p. Cu taj-e-bv p hmbv]-i-fn 885 timsn cq]-bpss hf tcj-s -Sp-Øn-s m v 2010 am v 31\v 7412 timsn cq]-bn-se-øn. ]e taj-e-i-fnepw Xncn- p-h-chv Zriy-am-bncp-s - nepw \S- p-h j-øns `qcn-`mkw Imebfhnepw kmº-øn-i-am-µy-øns BLmXw XpS p. DXv]m-Z-\-bq-Wn- p-iƒ, {]txy-in pw Ib- p-a-xnsb hfscb[niw B{i-bn v \n p ]mc-ºcy taj-e-ifmb Ib, Iip-h- n, s\bvøv XpS-ßn-bh-bv p Hm U-dp-Iƒ ipjvi-am-bn-øs XpS p. A[n-I-{]-h Ø\ aqe-[-\w, Zo L-Im-e-hmbv], am Pn \n_- -\-I-fn-ep Cf-hv, dokoh_nƒkn\v tase \o Ime-bfhnep [\klmbw, Ipd ]en-i-\nc v XpS-ßnb ]e \S-]-Sn-Ifpw kmº-øn- I-amµyw {]Xn-Iq-e-ambn _m[n bqwn- p- Isf klm-bn- m-\mbn kzoi-cn Bizmk \S-]-Sn-I-fm-Wv. kmº-øn-i-amµyw FXn-cmbn _m[n _ - s bqwn- p-isf klm-bn- m _m v FSpØ \S-]-Sn-I-fn NneXv Xmsg simsp- p- p. i. \ne-hn-ep {]h Ø-\-aq-e-[\ hmbv]bv v ]pdsa AXnt 20 ixam\w A[nI {]h Ø-\-aq-e-[\ hmbv]. ii. P\-td- sk p-iƒ, b{ -߃, D]-I-c- W-߃ / a p ÿncw BkvXn-Iƒ F nh hmßp- -Xn\v Zo L-Ime hmbv]m-ku-i-cyw. iii. bqwn- p-isf klm-bn- p- -Xn\v F m tkmw Hm^o-kp-I-fnepw apwss_- bnepw U ln-bn-ep-ap dopn-b-w Hm^o-kp-I-fnepw ]pxp-xmbn MSME sib sk -dp-iƒ Bcw-`n p. + V x EÚ M * 210 EfiÚπ EÚ C± O h +r«ω Æ I j   EÚ EÚÆ Æ Ω ΩÈ + ËÆ O h { xi Æ h  =i Æ EÚ EÚ EÚ x Æ Ω ΩÈ * 2.10 I, ± P B v =t (B B B <«) ÈEÚ x I, ± P B v =t  (B B B <«) EÚ +{ x GÚ Ω M V Æ Æ J ΩË * < J b EÚ =v Æ Â Ø.885 EÚÆ c EÚ fi r n V «Ω <«+ ËÆ 31 S «2010 E Ú +x Æ Ω Ø.7,412 EÚÆ c Ω M * + Ãl EÚ n EÚ π «E Ú + v EÚ M i EÚ V Æ Æ Ω Ω ± ƒ EÚ EÚ<«I j   Œ l i Ω ± Ω i n J M * x «h BEÚEÚ, π EÚÆ EÚ Æ, EÚ V, + ËÆ j V Ë { Æ { Æ EÚ I j  E Ú +xi M «i ± BEÚEÚ V + v EÚ i & x «i  { Æ x «Æ Æ Ω i ΩÈ, EÚ Ω i EÚ + b«æ ± x V Æ ΩË * i BEÚEÚ Â EÚ Ω i E Ú ± B + Æ EÚB M B Æ Ω i ={ V Ë + i Æ HÚ EÚ «± { ƒv ={ ± v EÚÆ x, ÃV x + EÚi +   U Ù]ı, k { Æ Â Ω i n P «+ v, V n Æ Â EÚ P ]ı x + n EÚ<«BEÚEÚ Â EÚ EÚ `ˆx S x Â Ω M ± * + Ãl EÚ n i BEÚEÚ Â EÚ Ω M n x E Ú ± B EÚB M B E ÚUÙ ={   x x ± ΩË : i. t x EÚ «± { V M i v +  E Ú 20% i EÚ + i Æ HÚ EÚ «± { V M i Bƒ. ii. iii. V x Æ ]ıæ ]ı  + ËÆ x Æ / ] ı± / +x +S ± + Œ i  E Ú GÚ E Ú ± B x v + S ± EÚ EÚ «±   B <«n ±±  Œ l i I j EÚ «±   BEÚEÚ Â EÚ Ω M n x E Ú ± B B B B <«E Ú Æ h]ıæ J ± M B ΩÈ * G Ú b ]ı M Æ ]ı ] ı ]ı Ú ÏÆ <GÚ Bhb ± Bh]ıÆ <V the involvement of NABARD officials and Government Development Departmental functionaries to create awareness among the public of the various agricultural products. The 210 Farmers Clubs functioning in rural and semi urban areas act as catalyst in rural transformation Lending to Micro, Small And Medium Enterprises (MSMEs) Bank continued its active support to Micro, Small and Medium Enterprises (MSMEs). Lending to this segment has recorded a growth of Rs.885 crore to touch Rs.7,412 crore as on 31st March The impact of the economic slowdown continued for the better part of the year, though recovery was seen in many sectors. Manufacturing units, especially under the traditional sectors like coir, cashew and textiles, which have a high dependence on exports, continued to face fewer orders. The relief measures introduced to assist the affected units like providing of additional working capital, term loan, relaxation in margin requirements, longer period for financing receivables, reducing interest rates etc, helped many units survive the difficult period. Some of the measures taken for assisting the units affected by the economic slowdown include: i. Additional working capital limits upto 20% of the existing working capital facilities. ii. New term loan facility for purchase of generator sets and also machinery/tools/ other fixed assets. iii. MSME Care Centres have been opened at all Zonal Offices and Regional Offices at Mumbai and Delhi for rendering support to units. Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) - The Bank is a Member Lending Institution under the CGTMSE scheme for providing collateral free loans. Workshops were conducted in all Regions of the Bank to improve the

17 17 CGTMSE ] Xn {]Imcw CuSp hnap hmbv]m-hn-x-cw ÿm]-\-ønse AwKamWp _m v. _m ns Poh-\- m n-sbn ] -Xn-sb- p-dn- p Ah-t_m[w krjvsn- p- - -Xn-\mbn _m ns F m dopywnepw inev]-im-e-iƒ kwl-sn- n- p. Ah-t_m[w krjvsn- p- -Xn-\mbn kwcw- `-I-cpsS tbmk-ßfpw hnfn- p-iq- n-bn-cp- p. CXp-h-sc, Cu ] -Xn-{]-Imcw 146 timsn cq]- bv p 5,914 hmbv]-iƒ _m v \ In. _m ns ssiv\n- I kƒ kn sk \S- p-h jw 15 ] Xn aqey-\n Wbhpw ]p\-c-[n-hm-k-]-t-\hpw hyh-kmb khn-tk-jxm ]T-\-ßfpw \S-Øp-I-bp- m-bn. \S- p-h jw _m v 3 hyh-kmb kwcw-`i hnik\ ]cn-]m-sn-iƒ (EDPs) \S-Øn hmwn-py-]-chpw ÿm]-\-]-c-hpamb [\-k-lmbw \S- p-h jøn BtKm-f-am-µy-Øns {]Xym-Lm-X-ß-fp- m-bn- p-t]mepw Itºm-f- Ønse km[y-x-iƒ {]tbm-p-\-s -Sp-Øns m v Cu taj-e-bn ani {]I-S-\-amWv \S-Øn-b-Xv. _m ns C & I hmbv]iƒ 2010 am v 31\v 19,198 timsn cq]-bn-se-øn. _m ns samøw _nkn-\- n 50 ix-am- \hpw Cu hn`m-k-øn-em-wv. hym]m-c- k hokv taj-e-iƒ, hyh-km-bw, ASnÿm\ kui-cy-hn-i-k-\w, tim -td v CS- ]m-sp-im CXc ÿm]-\-߃ F nh Cu hn`m-k-øn-emwv s]sp- -Xv \nehnep hmbv]m hnxcw \b-ß-fpw am K-\n tz-i-ßfpw ]p\x-c-h-tem- I-\-Øn\v hnt[-b-am- n. dnk hv _m v Hm^v C y / tã v _m v Hm^v C y F n-h-bn \n p G hpw ]pxnb \n tz-i-ß-ƒ Dƒs SpØn 2010 P\p-h-cn-bn _m ns \ne-hn-ep hmbv]m-\bw ]cnjvicn p. hmbv]-bpss thk-ønepw Ffp- -Øn-epap hnx-cww e yw sh p-sim v hkvxp-hns hne-\n Wbw hne \n Æb hnzkv[cpss ]m\ Xbm-dm- F n-hbpss \b-߃ ]cn-jvi-cn- p. ] XnIƒ mbp kmºøni \n Æb hn`mkw (PFU) ] XnIsf pdn v hniie\w \SØp Xn sshzkv yw t\sp Xn\pw, C mcyøn _m ns X\Xmb ssien cq]oicn p Xn\pw, h ] XnIƒ kmt XnI kmºøni km[yxm ]T\Øns A`mhw aqew \ s Sp Xv Hgnhm m\pambn _m n t{]mpœv ^n\m kv bqwn v cq]oicn p. Cu hn`mkøn, tziob/a tziob ( V ]ı B B <«) - ÈEÚ, { à EÚ Â EÚ ={ ± v EÚÆ x Ω i ( V ]ı B B <«) V x E Ú +xi M «i BEÚ n j l ΩË * { Æ S ± x M i ]ı Ú EÚ V M EÚi  v Æ ± x Ω i ÈEÚ E Ú I j   V x E Ú v  EÚ «± +  EÚ + V x EÚ M * V x E Ú v  I i EÚÆ x E Ú ± B =t  EÚ Ë`ˆEÚ Â EÚ + V x EÚ M * + i EÚ ÈEÚ x V x E Ú +xi M «i Ø.146 EÚÆ c E Ú EÚ Æ EÚ * π «E Ú n ËÆ x, ÈEÚ E Ú i EÚx EÚ { Æ «EÚI x 15 { Æ V x ± EÚx, { x «+v x B =t M π]ı +v x EÚB* π «E Ú n ËÆ x 3 =t fi k EÚ EÚ «GÚ Â (<«b { ) EÚ + V x EÚ M * 2.11 h ŒV EÚ B l M i k π «E Ú n ËÆ x n E Ú + i I E Ú V n, ÈEÚ x W Æ EÚ i EÚ < i ± EÚÆ i Ω B J b E Ú + i M «i +SUÙ EÚ «- x π{ n x EÚ i l 31 S «2010 E Ú +x Æ ÈEÚ EÚ Bhb + <«+ O Ø.19,198 EÚÆ c { Ω ƒ S M * ÈEÚ E Ú E Ú± + O EÚ ± M M + v < J hb E Ú +xi M «i + i ΩË V  { Æ + ËÆ + Â, =t M, ± i + EÚ i i, EÚ { ÊÆ ]ı O Ω EÚ Â B +x l x  EÚ k { π h ± ΩË * V x Æ 2010 Â Æ È / B + <«{i x x i x n  EÚ Œ ± i EÚÆ i Ω B ÈEÚ E Ú t x i EÚ { EÚ { v i EÚ M * { k  EÚ ± EÚx, ± EÚx EÚi «+  EÚ S  Œ ± i EÚÆ x EÚ x i EÚ { Æ v i EÚ M i EÚ ± B i Æ i Æ h  v Æ EÚÆ E Ú* { Æ V x k <EÚ <«+ i Æ EÚ { Æ V x ± EÚx EÚ Ë ± EÚ EÚ EÚÆ x + ËÆ i EÚx EÚ + Ãl EÚ Ω «i (]ı <«) E Ú + E Ú EÚ Æ h +SU Ù i  EÚ Ω l  x EÚ± V x Æ EÚx E Ú ± B ÈEÚ Â { Æ V x Empowering Women Presentation of Embroidery Machine to Lakshmi N. Menon Institute for Empowerment of Women awareness of the operating staff about the scheme. Meetings of entrepreneurs were also conducted to educate them about the scheme. So far the Bank has covered 5,914 loans amounting to Rs.146 crore under the scheme The Bank s Technical Consultancy Cell carried out 15 project appraisals, rehabilitation studies and industry specific studies during the year. 3 Entrepreneurship Development Programmes (EDPs) were conducted by the Bank during the year Commercial & Institutional Finance Despite the repercussions of global recession during the year, the Bank performed well under the segment by tapping the potential in the market and C&I advance of the Bank reached Rs.19,198 crore as on 31st March Almost half of Bank s Total Advances comes under this segment, which comprises financing Trade and Services, Industry, Infrastructure, financing corporate customers and other institutions. The existing loan policy of the Bank was revised comprehensively in January 2010 by incorporating latest directives from RBI/ SBI. The policy on valuation of properties, empanelment of valuers, etc has been revised in order to improve smooth and quick delivery of credit. Project Finance Unit Project Finance Unit was formed in the Bank in order to develop project appraisal skills

18 18 GP knifpss ]cntim[\bv v hnt[b amimø sndpins CSØc ] XnIsf pdn p kmt XnI- kmºøni hniie\w \SØp p am v Ahkm\n p kmºøni h jøn 1,125 timsn cq] aqeyap 43 ] XnIfpsS kmt XnI kmºøni km[yxm ]T\w \SØpIbp mbn hy y[njvtnx [\-k-lmbw `h-\-hm-bv]-iƒ, hml-\-hm-bv]-iƒ, hnzym- `ym-k-hm-bv]-iƒ F n-hbn-eqss hy y[njvtnx [\-k-lmb taj-e-bn _m v kpo-h ] v hln- psim ncn p p. hy y[njvtnx hmbv]-iƒ 18 ix-am\w hf t\sn-s m v 2009 am nse 10,722 timsn cq]-bn \n pw 2010 am nse 12,696 timsn cq]-bmbn h [n- p. \S- p-h j-øn `h-\-hm-bv]-i-fn-embn 2,330 timsn cq]- bmwv hnx-cww snbvx-xv am v 31\v 6,144 timsn cq]-bn `h-\-hm-bv]- FØn \n p p am nse 4,858 timsn F \ne-bn \n p-ap ix-am\w hf tcjs SpØn. kam-\-ambn CtX Ime-b-fhn 24,121 Im hmbv]-i-fn-embn 741 timsn cq]-bmwv _m v \ In-b-Xv. CtXmsS 2010 am v 31 \v Im hmbv]iƒ 1,324 timsn cq]- bmbn; CXv 2009 am nse 984 timsn-bn \n pw 35 ix-am\w h [-\h-mwv tcj-s - Sp-Øp- -Xv. ap h j-tø-xp-t]m-se-x-s, tic-f-øn G hpw A[nIw hnzym`ymk hmbv]-iƒ A\p-h-Zn- Xv \ΩpsS _m m-wv. tic-f- Øn BsI A\p-h-Zn hnzym-`ymk hmbv]-i-fpss 30 ix-am-\-øn-e-[niw \ΩpsS _m mwv A\p-h-Zn- -Xv. \S- p-h jw A l- X-s hnzym Yn-Iƒ v hnhn[ timgvkp- Iƒ mbn 14,611 hmbv]-i-fn-embn 416 timsn cq] \ Ip-I-bp- m-bn. samøw \n p XpI 24 ix-am-\-øn-e-[niw h [-\-tbmss ap h jsø 1,354 timsn cq]-bn \n pw 1,682 timsn cq]-bn FØn-\n p- p ] n-i-pm-xn- -]- n-i-h - -\yq-\-]- -߃ p [\-k-lmbw ] n-i-pm-xn, ] n-i-h, \yq\-] hn`m-k߃ p hmbv]m Bh-iy-߃ mbn kmº-øn-i-k-lmbw \ Ip- -Xn _m v A l-amb {][m\yw \ In-h-cp- p. ] n-i- Pm-Xn- -]- n-i-h hn`m-k-߃ v ap K-W\m taj-e-bn 1,562 timsn cq]bpw \yq\-]- -hn-`m-k-߃ v 3,123 timsn cq]-bp-amwv hmbv] \ In-b-Xv. ap K-W\m taj-e-bnep hmbv]-bpss ix-am\w ] n-i-pmxn ] n-i-h K-Øn\pw ix-am\w \yq\- k <EÚ <«x <«M <«* =HÚ <EÚ <«, UÙ ] ı + ËÆ v + EÚ Æ EÚ { Æ V x + Â, V x EÚ Æ π] ı /+xi Æ «π] ı J i {i + EÚÆ h  u Æ { x Æ I h x Ω EÚ M ΩË, EÚ i EÚx EÚ + ËÆ k ± EÚx EÚ EÚ «EÚÆ i Ω Ë * S «2010 EÚ {i { Æ V x k <EÚ <«x Ø. 1,125 EÚÆ c EÚ 43 { Æ V x +  E Ú v  i EÚx EÚ + Ãl EÚ Ω «i (]ı <«) EÚ +v x EÚ ΩË * 2.12 Ë HÚEÚ k ÈEÚ, J i & EÚ B Ë I  E Ú { Â Ë HÚEÚ J hb EÚ k n x EÚÆ x  +{ x GÚ i Æ EÚÆ Æ Æ J Ω B ΩË * Ë HÚEÚ J hb + O 18% EÚ fi r n V «EÚÆ i Ω B M i π «EÚ Œ{i { Æ Œ l i Ø. 10,722 EÚÆ c S «2010  Ø. 12,696 EÚÆ c Ω M * I v x + v E Ú n ËÆ x E Ú± Ø. 2,330 EÚÆ c E Ú ± M M 24,517 n x EÚB M B V 31 S «2010 E Ú +x Æ EÚ i Æ Ø. 6,144 EÚÆ c i EÚ { Ω ƒ S M, V  S «2009 E Ú Ø. 4,858 EÚÆ c 26.47% EÚ v Æ Ω + ΩË * < EÚ Æ x + v E Ú n ËÆ x Ø.741 EÚÆ c E Ú E Ú± 24,121 EÚ n x EÚB M B l V 31 S «2010 E Ú +x Æ EÚ EÚ i Æ Ø.1,324 EÚÆ c i EÚ { Ω ƒ S M, V EÚ S «2009 E Ú Ø.984 EÚÆ c 35% + v EÚ ΩË * { UÙ± π «EÚ i Æ Ω, ÈEÚ x E ÚÆ ± Æ V  + v EÚi J Â Ë I n x EÚ * ÈEÚ x E ÚÆ ±  EfiÚi E J EÚ 30% + v EÚ J n x EÚ * Æ { ]ı «v x π «E Ú n ËÆ x, ÈEÚ x { j UÙ j  EÚ z { `ˆ GÚ Â Ω i Ø. 416 EÚÆ c ± E Ú Â EÚ EfiÚ i n * E Ú± EÚ Æ, M i π «E Ú Ø. 1,354 24% + v EÚ fi r E Ú l Ø. 1,682 EÚÆ c Ω M <«* x S i V i / +x S i V x V i / +±{ J EÚ n (B ) ÈEÚ x +x S i V i / +x S i V x V i / +±{ J EÚ n E Ú =v Æ EÚi «+  + EÚi +  EÚ { Ãi E Ú ± B k Ω i n x EÚÆ x EÚ = S i Ω i n x V Æ Æ J ΩË * l EÚi {i I j E Ú i Ω i +x S i V i / +x S i V x V i E Ú =v Æ EÚi «+  EÚ E Ú± Ø. 1,562 EÚÆ c i l +±{ J EÚ n EÚ in-house, and also to avoid good proposals go past the Bank for want of Technoeconomic viability (TEV) study. The unit undertakes Technical and Financial appraisal of small and medium sized projects, which have not been vetted by agencies of national/international repute. During the period ending March 2010, PFU has conducted TEV study on 43 projects worth Rs.1,125 crore Personal Finance The Bank continued to be active in extending finance to Personal Segment, mainly by way of Housing Loans, Car Loans and Educational Loans. The Personal segment Advances went up to Rs.12,696 crore as at March 2010 from Rs.10,722 crore as at the end of the previous year, recording a growth of 18%. As many as 24,517 Housing Loans aggregating Rs.2,330 crore were extended during the period under review, taking the outstanding Housing Loan level to Rs.6,144 crore as at 31 March 2010, an improvement of 26.47% over March 2009 level of Rs.4,858 crore. Similarly 24,121 Car Loans aggregating Rs.741 crore were extended during the same period, taking the outstanding Car Loan level to Rs.1,324 crore as at 31 March 2010, which is higher by 35% over March 2009 level of Rs.984 crore. As in the previous year, the Bank has granted the maximum number of education loans in the State of Kerala. The Bank extended over 30% of the total number of the loans sanctioned in Kerala. During the year under report, Bank sanctioned 14,611 loans amounting to Rs.416 crore for various courses to deserving students. The total amount outstanding increased by over 24% to Rs.1,682 crore from Rs.1,354 crore last year Assistance to SC/ST/Minority Community (MC) The Bank continues to give due importance in extending financial assistance to meet the credit requirements of the SC/ST/MC borrowers. The advance to SC and ST borrowers under priority sector aggregated Rs.1,562 crore and Rs.3,123 crore for MC.

19 19 ] hn`m-k-߃ p-amwv hnx-cww snbvx-xv. ap h jw CXv ] n-i-pm-xn- -]- n- I-h hn`m-k-߃ v 8.48 ix-am-\hpw \yq\-] hn`m-k-øn\v ix-am-\hpw Bbn-cp- p. ap K-W\m taj-e-bn ] n-i- Pm-Xn- -]- n-i-h hn`m-k-߃ v simspø hmbv]-i-fn \njv{inb BkvXn 2.72 ix-am-\-am-wv {Sj-dnbpw A t±-iob CS-]m-Sp-Ifpw \S- p-h jsø hmwnpy CS-]m-Sp- Iƒ p samøw hntzi \mwy-hn- p-h-chv, ap h jsø 33,582 timsn- cq]bpss ÿm\øv 32,197 timsn cq]-bm-wv. _m p- Iƒ XΩn-ep CS-]m-Sp-I-fnse hn p-h-chv ap h jsø 2,12,102 timsn cq]-bpss ÿm\øv 3,66,209 timsn cq]-bmbn Db p. Cu h jsø hntzi \mwy-hn- \n-ab {]h Ø-\-ß-fn \n p samøw em`w timsn cq]-bm-wv am v 31\v Cu em`w timsn cq]-bm-bn-cp- p. _m ns C shãvsa v 2010 am v 31- \v 16,024 timsn cq]-bm-wv am v 31- \v CXv 13,232 timsn cq]-bm-bn-cp- p se icm-icn \nt ]w 14,960 timsn cq]-bm-wv CXv 11,922 timsn cq]-bm-bn-cp- p. \nt ] {]h Ø-\-ß-fn (]-en-ibpw em`hn-ln-xhpw Dƒs -ss) \n p \S- ph jsø hcp-am\w 1,105 timsn cq]-bm-wv. ap h jw CXv 860 timsn cq]-bm-bn-cp- p. \nt -]-ß-fn \n p icm-icn hcpam\w ap h jw 7.30 ix-am-\-am-bn-cp- Xv \S- p-h jw 6.92 ix-am-\-am-bn. Cu dnt m p Ime-b-f-hn \nt -]-ß-fpsS hnev]-\-bn \n v _m v timsn cq] em`-ap- m- n Kh sa v _nkn\ v _m v, ticfønse 107 imjifnepw, Xangv\m nse c v imjifnepw Kh sa v _nkn\ v \SØp p v. IqSmsX 196 imjifn (ticfønse 136 imjifnepw ticføn\v ]pdøv 60 imjifnepw) UbdIvSv SmIvkpw ticfønse 148 imjifn C UbdIvSv SmIvkpw kzoicn p p v. UbdIvSv SmIvkpw C UbdIvSv SmIvkpw ticf/almcm{ Kh sa pifpss timtagvky SmIvkpw kzoicn p Xn\v C t]bvsa v kuicyw G s SpØn. CXpaqew 2,360 timsn cq] aqeyap 2.62 e w Hm sse CS]mSpIƒ \S pibp mbn Ø.3,123 EÚÆ c EÚ + O n M * Ω + V / + V V Ω i ÈEÚ E Ú l EÚi {i I j + O EÚ 10.77% ΩÈ + ËÆ + Ω i ÈEÚ E Ú l EÚi {i =v Æ EÚ 21.53% ΩË * { UÙ± π «, Ω ÈEÚ E Ú l EÚi {i I j =v Æ EÚ +V / +V V E Ú v  8.48% i l + E Ú v  17.55% l * l EÚi {i I j E Ú + i M «i B / B ]ı, =v Æ EÚi «+  E Ú v  +x V «EÚ { Æ { k  EÚ Œ l i, EÚ 2.72% EÚ ÆΩ * 2.14 Æ V EÚ π B +xi Æ «π] ı { Æ S ± x π «E Ú n ËÆ x h ŒV EÚ ± x n x (BC S ÂV E Ú{ x ± x n x Â Ω i ) ÈEÚ EÚ E Ú± Ú ÏÆ C ]ıx «+ Æ M i π «E Ú Ø.33,582 EÚÆ c EÚ i ± x  Ø.32,197 EÚÆ c l * +xi Æ ÈEÚ ]ıx «+ Æ V n Æ Ω V EÚ M i π «E Ú Ø.2,12,102 EÚÆ c EÚ i ± x  Ø.3,66,209 EÚÆ c l * π «E Ú n ËÆ x Ú ÏÆ C { Æ S ± x E Ú± ± 31 S «2009 EÚ Œ l i E Ú +x Æ Ø EÚÆ c EÚ i ± x Â Ø EÚÆ c Æ Ω * ÈEÚ EÚ x 31 S «2009 EÚ Œ l i E Ú +x Æ Ø.13,232 EÚÆ c EÚ i ± x  31 S «2010 E Ú +x Æ Ø. 16,024 EÚÆ c l i l + Ë i x E Ú n ËÆ x Ø.11,922 EÚÆ c EÚ i ± x  E Ú n ËÆ x Ø.14,960 EÚÆ c l * x { Æ S ± x ( V B ± ) Æ V, M i π «E Ú Ø.860 EÚÆ c EÚ i ± x  π «E Ú n ËÆ x Ø.1,105 EÚÆ c Æ Ω * 31 S «2009 E Ú +x Æ 7.30% EÚ i ± x  π «E Ú n Ë Æ x x { Æ + Ë i + EÚ 6.92% { Æ Æ EÚÆ Æ Æ J M * Æ { ]ı «v x + v E Ú n ËÆ x ÈEÚ x Æ V EÚ π { Æ S ± x Ø EÚÆ c EÚ ± +ÃV i EÚ * 2.15 Æ EÚ Æ EÚ Æ Æ ÈEÚ E ÚÆ ±  107 J +  + ËÆ i ± x b  2 J + Â Â Æ EÚ Æ EÚ Æ Æ S ± i EÚÆ i ΩË * < E Ú +± 196 J B (E ÚÆ ±  136 J B + ËÆ E ÚÆ ± E Ú Ω Æ 60 J B ) i I EÚÆ ( b ]ı ) O Ω i EÚÆ i ΩË + ËÆ E ÚÆ ±  148 J B + i I EÚÆ ( < ) O Ω i EÚÆi ΩË * ÈEÚ x i I EÚÆ + ËÆ + i I EÚÆ Â E Ú ± B i l E ÚÆ ± + ËÆ Ω Æ π] ı Æ EÚ Æ E Ú h V EÚÆ EÚ <-{ x]ı v Æ EÚ ΩË * + x ± <x h V EÚÆ M i x v EÚ M EÚÆ i Ω B E Ú± 2,360 This works out to 10.77% of the Bank s priority sector advances for SC/ST and 21.53% of the Bank s priority sector lending for MC. In the previous year this was 8.48% for SC/ST and 17.55% for MC of the Bank s priority sector lending. The non-performing asset position in respect of SC/ST borrowers under Priority Sector stood at 2.72% of the outstanding Treasury and International Operations Bank s total forex turnover during the year for merchant transactions (including exchange company transactions) was Rs.32,197 crore compared to Rs.33,582 crore during the previous year. Inter bank turnover was higher at Rs.3,66,209 crore as against Rs.2,12,102 crore during the previous year. The total profit from forex operations during the year was Rs crore as against Rs crore as on 31st March The Investments of the Bank stood at Rs.16,024 crore as on 31st March 2010 as against Rs.13,232 crore as on 31st March 2009 and the average investments during was Rs.14,960 crore as against Rs.11,922 crore during The revenue from investment operations (interest and dividend) for the year was Rs.1,105 crore as against Rs.860 crore for the previous year. The average yield on investments was at 6.92% during the year as compared to 7.30% during the year ended 31st March The Bank earned a profit of Rs crore from Treasury Operations during the period under report Government Business The Bank conducts Government business in 107 branches in Kerala and 2 branches in Tamil Nadu. Further, 196 branches (136 branches in Kerala and 60 outside Kerala branches) collect Direct Taxes (CBDT) and 148 branches in Kerala collect Indirect Taxes (CBEC). Bank has launched e-payment facility for Direct and Indirect taxes and Commercial Taxes of Governments of Kerala and Maharashtra. As many as 2.62 lac e-payments aggregating Rs.2,360 crore were made using the On-line Commercial Tax payment facility. 14 Non Banking

20 20 kmºøni h jøn 14 _m nwkv CXc {SjdnIsf _m nwkv {SjdnIfmbn am pibpw Ahsb AXmXp {_m pifp ambn _ n n pibpw snbvxp. ticf Kh sa pambn p CS]mSpIfn _m ns BsI hym]mchnlnxw ap h jsø 72 ixam\øn \n v ixam\ambn. 3. hn]-w-t\m-zy-a-ßfpw ]pxnb DXv]- -ß- -fpss hni-k-\hpw 3.1 Im jni hmbv]-ifpw a p Nn d hmbv]-ifpw IqSp-X-embn \ Ip- -Xn\pw \nt -]-߃ i n-s -Sp-Øp- -Xn-\p-ap _rl-ømb Hcp {]Nm-cW ]cn-]m-sn-bn-eqss IqSp-X-embn CS-]m-Sp-Imsc kºm-zn- phm\pw CS-]m-Sp-Imcpw amt\-pp-sa p-ambp _ w IqSp-X sa -s -Sp-Øm-\pap hn]-w-t\m-zy- -a-߃ Hcp ]pxnb Xe- Øn-se-Øn. \ΩpsS _nkn-\ v h n n phm\pw D]-t`m r ASn-Ød sa -s -Sp-Øp-hm\pw th n D -h-im-e-ßfn Xo{h-{]Nm-cW ]cn-]m-sn-iƒ \S- n-em- n. 3.2 A -Sn, Zriy, {imhy, sh_v am[y-a-߃ hgn Xo{h-amb {]Nm-c-W-]-cn-]m-Sn-Iƒ hn]- W-t\m-Zy-a-߃ v klm-b-i-am-bn. cmpysø-ºmspw _m ns {]Xn- m-bbv pw km n-[y-øn\pw {]I-S-amb sa w sim ph-cm Cu {ia-߃ v km[n- p. 3.3 sfiz-tcym- -h- -sndpins hmbv]m {]Nm-cWw HmWw D -h-tøm-s-\p-_- n v 17 BKÃv 2009 apx 30 \hw_ 2009 hsc BZysØ aq p h j-tø v ]en-i-\n-c v am an msx {]txyi `h-\, Im hm-bv]m ] Xn Ah-X-cn- n- p. \ mbn kzoi-cn- s Cu {]Nm-cW ]cn-]msn aqew 8,528 ]pxnb `h-\-hm-bv]-i-fn-eqss 800 timsn cq]- bp-ssbpw 11,269 ]pxnb Im hmbv]-i-fn-eqss 348 timsn cq]-bp-ssbpw hmbv] Ic-ÿ-am- m _m n\v Ign- p. 3.4 Fkv._n.Sn atlm hw \nt ]w kamlcw b w: 2009 \hw-_, Unkw- _ amk-ß-fn CASA \nt -]-߃, Im Uv td v \nt -]-߃, CASA A u- p- I-fpsS FÆw F n-h-bpss hnlnxw h n n- pi F \nbx e y-hp-ambn \hw_ 2\v XpSßn 16 Unkw_ 2009 Imebfhn Fkv.-_n. n atlm- hw F \nt ] kam-l-cw {]Nm-cWw \S-Øn. CXp-hgn 1,872 timsn cq]-bpss \nt -]- ßfpw 1.58 e w ]pxnb A u- p-ifpw _m n\p e`n- p. EÚÆ c Ø EÚ 2.62 ± J <-{ x]ı EÚ M ΩË * E Ú n ËÆ x 14 M ËÆ ÈÀEÚM EÚ π M Æ EÚ ÈÀEÚM EÚ π M Æ Â n ± n M + ËÆ r J +  E Ú l V c M * π « E Ú E ÚÆ ± Æ EÚ Æ ± x n x  E Ú E Ú± { h i «Â ÈEÚ EÚ V Æ % ΩË V  72% l * 3. { h x { Ω ± B x B =i{ n  EÚ EÚ 3.1 { h x { Ω ± V EÚ O Ω EÚ v v x B O Ω EÚ + O Ω h { Æ ± I i l, x EfiÚ B +x J n  E Ú ± B { I S Æ EÚÆ x i l V +  E Ú v «x Ω i c { Ë x { Æ + x S ± x E Ú u Æ x B + EÚ U Ù+ * EÚ Æ Æ i Æ B O Ω EÚ + v Æ g x E Ú ± B +{ x <«M <«Æ h x i  =i  EÚ + v E Ú n ËÆ x M Ω x + x S ± x BEÚ Æ h x i Æ Ω * 3.2 { h x  E Ú l - l p h,, o B b HÚ =SS i µ i Y { x + x S ± M * <x  n E Ú Ω Æ EÚ x  ÈEÚ EÚ UÙ + ËÆ o Œπ]ıM S Æ i  { π]ı v Æ Ω + ΩË * 3.3 B Êi - J n + x : 17 +M i x Æ 2009  + h { «E Ú ={ ± I  l i x π Á E Ú ± B n EÚ V n Æ { Æ π B EÚ V x Bƒ + Æ EÚ M <»* +SUÙ i Æ Ω M i {i < + x E Ú EÚ Æ h ÈEÚ EÚ +xi i & Ø. 800 EÚÆ c E Ú { Æ E Ú l 8,528 x B J i B Ø. 348 EÚÆ c E Ú E Ú± { Æ E Ú l 11,269 x B EÚ J i ± * 3.4 B ]ı Ω i V O Ω h + x B B B V + Â, EÚ b«n Æ V +  B B B B J i J +   + EÚ g x E Ú BEÚ π]ı ± I E Ú l 2 x Æ + ËÆ 16 n Æ 2009 E Ú n ËÆ x B ]ı Ω i V O Ω h + x S ± M * ÈEÚ EÚ Ø. 1,872 EÚÆ c EÚ V Æ ƒ i l 1.58 ± J x B B B J i =M Ω x Â Ω i ± * Treasuries have been converted as Banking Treasuries and linked to the respective branches during The market share of the Bank in the total turnover of Kerala State Government transactions for works out to 73.77% compared to 72% in Marketing Initiatives and Development of New Products 3.1 Marketing initiatives aimed at customer relationship management and customer acquisition assumed a new dimension by organizing massive campaigns for canvassing Agricultural Loans and other retail loans, and for augmenting deposits. Conducting intensive drives during festive seasons was one of the strategies adopted to enhance the business level and customer base. 3.2 The marketing efforts were supplemented by high intensity advertising campaigns spanning print, audio, video and web media. These efforts brought about a palpable improvement in the image and visibility of the Bank across the length and breadth of the country. 3.3 Aishwaryotsav- Retail Loan campaign: Special Home loan and Car loan schemes were introduced in connection with Onam festival from 17th August 2009 to 30th November 2009, with differential interest rate fixed for first three years. The well received campaign ultimately helped the Bank to bag 8,528 new Housing loan accounts with an outlay of Rs.800 crore and 11,269 new car loans with a total outlay of Rs.348 crore. 3.4 SBT Mahotsav deposit mobilization campaign was celebrated during the period between 2nd November and 16th December 2009 with a specific target to increase the share in CASA Deposits, Card rate deposits and CASA account numbers. It helped the Bank to mop up Rs.1,872 crore of deposits and 1.58 lac new accounts.

21 ]pxnb DXv]- -ßfpw hn]-wt\m-zy-a-ßfpw _m ns {it -b-amb DXv]- -ß-fp-sSbpw ] -Xn-I-fp-sSbpw Iq -Øn-te v Xmsg- -dbp D]-t`m r kulr-tzm-xv]- -ßfpw \S- p-h jøn Iq n-t -s p: EZ hym]mcw - Uoam- v, Hm sse hym]mc-øn-\p {Xo -C - -h kui-cyw, Db kpc- n-x-xz-ap Xpw, DZv{K-Yn-Xamb kwhn[m\hpw Dƒs m- p- -XmWv. (1) tkhnwkvkv _m v / Id v / Hmh {Um^v v A u v (2) Uoam v A u v (3) t{sunwkv A u- v F nh Dƒs Sp XmWv Cu kwhn[m\w. D]-t`m- m- ƒ v Fhn-sS-\n pw GXp ka-bøpw t] cln-x-am-bn, Bbm-k-c-ln-X-ambn Hm sse Uoam- v, t{sunwkv A u- p- Iƒ ssiimcyw snøp- -Xn-\p Cu kwhn-[m\w 2009 PqWn-emWv Ah-X-cn- n- - Xv. 58 imj-i-fn Cu kuicyw e`y-am-wv. \nt -]-ß-fpsS snehv Ipd-bv p-hm\pw \nt -]-ß-fn Id v A u- p-i-fpss hnlnxw Db Øp-hm\pw Dt±in v c v ]pxnb C\w Id v A u- p-iƒ v cq]w \ In. Ipd \o n-bn-cp v 25,000/- - cq]- bp "Fkv.-_n.-Sn. _nkv'; ^okv / hcnkwjym ]ncn- m kuicyw {]Zm\w snøp-, 25,000/- - cq] Ipd \o n-bn-cp v XpIbp "Fkv.-_n.- n.-i n''. kpi\y \nt -]- Xn tziob _men-im- Zn\w BN-cn- p- -Xn-\mbn 10 apx 18 hbkv hsc {]mb-ap s] Ip- n-iƒ v am{x-am-bp \nt -]-]- -Xn. Fkv.-_n.-Sn. \mt\m-im _p nwkv ^ nwkv kviow: sat gvkv Sm m tamt mgvkv enan- -Up-ambn Icm-dn G s tijw Sm m \mt\m Im _p v snøp- -Xn-\p Hcp hmbv]m ] Xn Ah-X-cn- n- p. CXn {]- Imcw efn-x-amb hyh-ÿ-i-fn _p v snøphm Bhiyamb apgp-h XpIbpw hmbv] \ Ip-Ibp mbn. Fkv.-_n.-Sn. C -C shãv (ASBA): ]ªnIv Cjyp-hn\v At]- n p \nt -]-Isc klm-bn- m-\mbn Fkv.-_n. n C -C shãv F t]cn _m v Ah-X-cn- n DXv]- am-wnxv "Bπn-t -j kv kt m Uv ss_ tªm vuv Fau v'. Atem-Svsa v {]{Inb A n-a-am-ip- -Xp-hsc \nt -]- Is A u- n Cjyqhn\pth n At] nt XpI -\n Ø-s -Spw. A u- n \n pw XpI am -s -Sp- -Xphsc AXn\v ]eni e`n- p-ibpw snøp- p. XpI A u- n InS- p- -Xn-\m \nt - ]-I\v do^- n-s\- p-dn v Bi- -s -ts- -Xn x =i{ n B EÚ Æ Æ { Ω ± π «E Ú n ËÆ x ÈEÚ E Ú =i{ n  + ËÆ V x +  E Ú ± M ± n i  x x ± J i x B O Ω EÚ- +x E Ú± =i{ n  EÚ Œ ± i EÚ M * <«V c ] ıb - b ]ı B + Ïx ± <x ] ıàb M Ω i m <x x v - x x HÚ +i i Æ I i BEÚ EfiÚi {± ]ı Ú «i) S i ÈEÚ / S ± / + Æ b }]ı J i ii) b ]ı J i + ËÆ iii) ] ıàb M J i * Ω v V x 2009  + Æ EÚ M <«l V O Ω EÚ Â EÚ EÚΩ, EÚ { { Æ Æ Ω i B Z Z ]ı Æ Ω i GÚ +  E Ú l + Ïx ± <x b ]ı B ] ıàb M J i  EÚ ± EÚÆ x  n n EÚÆ i ΩË * Ω v 58 J +   ={ ± v ΩË * Ω Æ z V Æ Â Â S ± J i  E Ú + EÚ g x B V ± M i EÚ EÚ EÚÆ x E Ú ± B Ø. 25,000/- x x i π E Ú l ""B ]ı W '' i l Ø. 25,000/- x x i π E Ú l ±EÚ/ + n x ± EÚ «i EÚi HÚ ""B ]ı HÚ'' + Æ EÚ M * EÚx V V x : ± EÚ Æ π] ı n x x E Ú ± B π { π «EÚ + EÚ ± EÚ +  E Ú ± B BEÚ x <«V V x + Æ EÚ M <«* B ]ı x x EÚ Æ ÀEÚM x v x V x : «]ı ]ı ]ı «±. E Ú l M `ˆV c EÚÆ x E Ú n ]ı ]ı x x EÚ Æ EÚ ÀEÚM Ω i V x + Æ EÚ M <«l V Ω ƒ v Æ h i Á { Æ 100% ÀEÚM Æ + O  n M <«* ""B B B'' - ""+Œ{± E Ú x { ]Êıb <«± ÏCb B =h]ı'' - ÈEÚ u Æ B ]ı <«-<x ]ı x EÚ =i{ n + Æ EÚ M V x EÚ Â EÚ «V x EÚ x M «Â E Ú ± B + n x EÚÆ x v V x EÚ Ω M * V i EÚ + ]ıx EÚ +Œxi { n V i i i EÚ + n x Æ EÚ x EÚ E Ú J i  ± EÚ EÚÆ E Ú Æ J V i ΩË + ËÆ V i EÚ Ω Æ < J i + i Æ i x Ω Ω V i i i EÚ x EÚ EÚ + n x Æ { Æ V ± i Æ Ω M * x EÚ EÚ v x { EÚ S xi EÚÆ x EÚ + EÚi x Ω Ω M C  EÚ v x J i Â Ω { c Æ Ω i ΩË * 3.5 New Products & Business Initiatives The following new customer friendly products were added to the impressive bouquet of the Bank s products and schemes during the year: EZ Trade - 3-in-1 facility for Demat and Online Trading, highly secure integrated platform comprising i) Savings bank/ Current/Overdraft account ii) Demat account and iii) Trading account. This facilitates the customers to access their Online Demat and Trading accounts from anywhere, anytime with paperless and hassle-free processes. This facility, introduced in June 2009, is available in 58 branches. SBT BIZ with Minimum Balance of Rs.25,000/- and SBT Shakthi a special Current Account with fee/subscription collection functionality and minimum balance of Rs.25,000/- were launched to enhance the share of Current Accounts in the Deposit Mix and to bring down the cost of deposits. Sukanya Deposit Scheme: A new deposit scheme was introduced exclusively for girl child aged between 10 and 18 years to commemorate National Day for the Girl Child. SBT Nano Car Booking Funding Scheme: After entering into a tie-up with M/s Tata Motors Ltd. a loan scheme for booking TATA Nano car was introduced where 100% of the booking amount is advanced on simple terms. ASBA - Applications Supported by Blocked Amount has been launched by the Bank with the product name SBT e- Invest, which facilitates investors to apply for public issues. The application money is blocked in the investor s account till allotment is finalised and the person continues to earn interest on the application money till the amount is transferred from the account. The investor need not bother about refund since money remains in the account.

22 22 {]im n Fsse v F t]cn 5 e w cq] hsc A[nI ]cn[nbp hmbv]m ] Xn IqSpX s] j e`n p h p th n cq]w \ In. kzmkxw: BtKmf amµy-øns ] m-øe-øn H -\-h[n {]hmkn tic-fo-b \m ntebv v as-ßp- -Xns ] m-ø-e-øn Bhn-jvI-cn-, as-ßn-sb-øp {]hm-kn- Iƒ p ] -Xn-bm-Wn-Xv. Aßs\ hcp- h v \n am-w, tkh-\, hym]m-c, Im jni taj-e-i-fn {]hr-øn-i-fn-te s -Sm th [\klmbw Cu ] Xn {]Zm\w snøp- p. {]hm-kn-iƒ n-s-bn _m n\v Ht sd k t cv kºm-zn- phm Cu ] - Xn-bv m-bn. FIvkv{]kv sdan v Fkv.-_n.-sF. Pn.- F.F p-ambn tn v hntz-i-\m-wbw Hm sse-\mbn Ab-bv p- -Xn\v G s -Sp- Ønb kwhn-[m-\w. CXp-]-tbm-Kn v Ata-cn- -bnepw {_n -\n-epap CS-]m-Sp-Im v "Bt m-ta- Uv nb-dnwkv lukv' kwhn-[m-\- Øn-eqsS GXp ka-bøpw Ah-cpsS Iw]yq- hgn Fkv.-_n- n. A u- ntebv v ]Ww am p- -Xn\v Ign-bpw. hniz bm{xm t^mdn {Smh Im Uv (VYFTC) - tã v _m v Hm^v C ybpw "hnk'bpambn tn v 13 \hw_ 2009\v hntzibm{x mcmb CS]mSpIm v hntzi Id kn, {Shtegvkv sn v Ch sim p t]mip Xn\v ]Icw IqSpX kuicy {]Zhpw kpc nxhpamb hnizbm{x hntzibm{x Im Uv ] Xn D LmS\w snbvxp. 3.6 CeIvt{SmWnIv t]bvsa v knãwkv CeIvt{SmWnIv am[ya߃ hgn ]WanS]mSp \SØp Xns\ pdn v CS]mSpImsc IqSpX t_m[hm amcm p Xn _m v hnpbn p. _m piƒ XΩnepw dnk hv _m pambpw RTGS/NEFT, {Kq v t]bvsa v XpSßnb CeIvt{SmWnIv ]WanS ]mspifpambn _ s Xo m epiƒ ssiimcyw snøp Xv apssºbnep C t{k Uv {Sjdnbn {]h Øn p t]bvsa v B v sk n sa v {Kq mwv. CeIvt{SmWnIv t]bvsa pambn _ s v {_m pifn \n v t]mip ktµi߃ 74,617 \n v ixam\w hf tbmss h jøn 1,49,471 Bbn Db p. {  x Æ Â E Ú ± B Œxi B± ]ı ± x : Ø. 5 ± J EÚ + v EÚi E Ú l π]ı M «E Ú {  x Æ Â EÚ + EÚi +  EÚ { Æ EÚÆ x E Ú ± B V x + Æ EÚ M <«* M i - { ± Ë]ıx ± + x Â Ω i V x - n E Ú EÚ Æ h + v EÚ J  + x E ÚÆ ±  E Ú { ± Ë]ıx EÚ { fiπ`ˆ Â, ÈEÚ x x «h,, { Æ + ËÆ EfiÚ π M i v  EÚ EÚÆ x  =x EÚ l «x x E Ú ± B k Ω i n x EÚÆ x Ω i BEÚ V x + Æ EÚ * < V x x  E Ú S Ω Æ ÈEÚ E Ú ± B +SUÙ J x <«ΩË * ÈEÚ u Æ B + <«V B± B E Ú V x + Æ EÚ M <«n p  + Ïx ± <x π h EÚ BEÚ x <«v "BC Æ ]ı' B i l E Ú E Ú O Ω EÚ +{ x b EÚ]ı Ï{ Æ i - n x, S ± i v x M fiω (B BS ) i j E Ú v B ]ı E Ú +{ x J i  π h EÚÆ EÚi ΩÈ * j n j EÚ b«( <«B Ú ]ı ) - ÈEÚ x, n V x ± O Ω EÚ Â EÚ ƒm  EÚ { Æ EÚÆ x i l =x EÚ n p / j S EÚ J Æ J x E Ú n ± v V x EÚ EÚ Ú i B + v EÚ Æ I i EÚ±{ n x EÚÆ x E Ú ± B, Æ i ] ı]ı ÈEÚ + ËÆ E Ú Ω M E Ú l n. 13 x Æ 2009 EÚ <«B Ú ]ı + Æ EÚ ΩË * 3.6 B± C] ı x EÚ M i x h ± ƒ O Ω EÚ Â Â B± C] ı x EÚ v E Ú π h EÚ ={ M EÚÆ x E Ú i V M EÚi g x  ÈEÚ l «Æ Ω ΩË * BEÚ EfiÚi ] ı Æ, <«Â EÚ «Æ i M i x B x { ]ı x Ω, + Æ ]ı V B /Bx <«B Ú ]ı V Ë B± C] ı x EÚ π h i l V + Æ { ]ı ± x n x + ËÆ ÈEÚ +x ÈEÚ Â/ Æ ÈEÚ E Ú S x v  E Ú x { ]ı x EÚ EÚ «EÚÆ i ΩË * π «E Ú n ËÆ x J +  V M V EÚ B± C] ı x EÚ xn  (+ Æ ]ı V B /Bx <«B Ú ]ı /V + Æ { ]ı ) EÚ J % fi r nv «EÚÆ i Ω B 74,617 1,49,471 Ω M <«* Prasanthi Elite Loan for pensioners: A loan scheme to cater to the needs of elite group of pensioners has been introduced with a maximum limit of Rs.5 lac. Swagatham A scheme for returning nonresidents - In the backdrop of a large number of non-resident Keralites returning due to the global recession, the Bank introduced a scheme to provide financial assistance to enable them to take up manufacturing, service, trade and agriculture activities. The scheme has generated a lot of goodwill for the Bank amidst the expatriates. XPRESS Remit, a new online remittance facility in Foreign Currency, introduced by the Bank in association with SBI GLS, enables customers in US and UK to make remittances from their desktop, round the clock to their account with SBT, through Automated Clearing House (ACH) mechanism. Vishwa Yatra Foreign Travel Card (VYFTC) Bank has introduced VYFTC on 13 th November 2009 in association with State Bank of India and VISA to meet the demands of customers going abroad and to provide a convenient, cost effective and more secure alternative to carrying foreign currency / travellers cheques. 3.6 Electronic Payment Systems The Bank has been able to bring about better awareness among the customers on using electronic mode of remittances. The Payment & Settlement Group functioning at Integrated Treasury, Mumbai, attends to electronic remittances like RTGS/NEFT and Group Payment [GRPT] transactions and the funds settlement between the Bank and other Banks/RBI. The total number of outward electronic messages (RTGS/NEFT/ GRPT) emanating from branches has increased from 74,617 to 1,49,471 registering % increase during the year.

23 \ne-hn-ep- ] -Xn-I-fnse t`z-k-xn-ifpw/iq n-t -ep-ifpw CS-]m-Sp-Im v IqSp-X kzoim-cy-am-hp- - Xn-\p-th n hn]-wn-]-t-\-ß-fp-ssbpw CS-]m- Sp-Im-cn \n pw imj-i-fn \n p-ap A`n{]mbßepw \n t±ißfpw A\p-kcn v Nne ] -Xn-I-fn t`z-kxn hcp-øp- Ibpw \ho-i-cn- p-ibpw snbvxp. hn]-cox ]W-b-s -Sp-Ø ] Xn F m imj-i-fn-tebv pw hym]n- n- p. "kphn[' hmbv]m XpI-bpsS ]cn[n Hcp timsn cq]-bmbn Db Øn. Im hm-bv]-bpss ]c-am-h[n XpI 30 e w cq]-bmbn h [n- n- p. "kq k πkv' ] -Xn-bnse \nt ] ]cn[n Hcp e w cq]-bmbn h [n- n- p. tim -td v kmedn ]mt Pv {]Imcw `h- \-hm-bv]-iƒ, Im hmbv]-iƒ, hy y[njvtnx hmbv]-iƒ F n-hbv v Im Uv td n \n pw 0.25 ix-am\w Cf-h- \p-h-zn- p. tlmw Aπ-b kkv Uotegvkv πkv, Unkv{Sn-_yq-t gvkv πkv F o hmbv]m ] - XnIƒ p ]eni \nc v Ipd-bv p-ibpw tbmkyxm am\-z-wvu-߃ Cfhp snøp- Ibpw snbvxp. ^m am-πkv ] -Xn-bpsS Db ]cn[n 200 e w cq]-bmbn Db Øp-Ibpw snbvxp. shb lukv sdko]v v ^n\m knwkv D ] hn]-w-\-øn G s - n-cn- p I j-i-tcbpw hym]mcn-i-tfbpw klm-bn- p- -Xn-\p ] -Xn. NBHC \ Ip shb lu-kv cko-xns ]W-b-Øn [\- k-lm-bw-\ Ip Cu ] -Xn-bn ]c-amh[n ]cn[n c v timsn cq]-bn \n pw aq p timsn cq]-bmbn Db Øn. I j-isc klm-bn- m-\mbn {]txyi hcƒ m Zpcn-Xm-izmk ] -Xn. hcƒ bpw Zp _-e-amb agbpw aqew Zpcn-X-Øn-emb I j-i v klmbw {]Zm\w snøm-\mbn sndp-ins Pe-tk-N\ ] -Xn-Iƒ v Ipd ]eni \nc- nepw \o hmbv]m-xn-cn- -Shv Ime-b-fhpw Dd v hcp-øp ] -Xn- Bhnjv cn p. Zp _eamb agaqew ZpcnXØnemb I ji v ]eni\nc n Cfhp \ In {lkzime hmbv]iƒ A\phZn p. t{stugvkv kvs]jy ] Xn \hoicn p 3.7 t x V x +   +x + v x /{ Æ v «x t x V x +   +x + v x / { Æ v «x W Æ +v x  + ËÆ J +  O Ω EÚ Â ± i S x E Ú + v Æ { Æ π «E Ú n ËÆ x V x +   + v x / v Æ EÚ M i EÚ <x EÚ O Ω EÚ Â EÚ Ω i Æ EfiÚ i ± E Ú* i v  EÚ i Æ J +  EÚ EÚ M * Æ EÚ EÚ g EÚÆ Ø. 1 EÚÆ c EÚÆ n M * EÚ Â + v Æ EÚ Ø. 30 ± J i EÚ g n M * { Æ { «± V x  V EÚ + v EÚi Æ EÚ g EÚÆ Ø. 1,00,000/- EÚÆ n M * EÚ { ÊÆ ]ı i x { ËE ÚV E Ú +xi M «i EÚ B HÚM  E Ú EÚ b«æ ]ı { Æ 0.25% V Æ i n M <«* ""Ω +{± B b ± «{±, b Œ ] ı ]ı «{± i l Ú «{± '' V x Bƒ - V n Æ Â EÚ]ı Ëi + ËÆ { j i x n hb  U Ù]ı "" Ú «{± '' V x E Ú ± B Ø. 200 ± J  EËÚ{ <x ± ]ı  =v «M v x EÚÆ n M * M n Æ n k { π h : =i{ n { h x EÚÆ x ± EÚ x  + ËÆ { Æ Â EÚ Ω i E Ú ± B Bx BS u Æ V Æ M n Æ n { Æ k Ω i Ω i i =v Æ EÚi «+ v EÚi EËÚ{ EÚ Ø. 2 EÚÆ c f EÚÆ Ø. 3 EÚÆ c EÚÆ n M * EÚ x  EÚ Ω i E Ú ± B π J Æ Ω i V x : J B EÚ W Æ x x i EÚ x  EÚ Ω i EÚÆ x E Ú ± B P ]ı V n Æ B i Æ i S EÚ Ëi + v  HÚ ± P À S <«@Òh * EÚ W Æ x x i EÚ x  EÚ n n EÚÆ x E Ú ± B P ]ı V n Æ Â { Æ Ú n x EÚÆ i Ω B π Æ i  EÚ P π h EÚ M <«* ] ıb «{ ± EÚ + ËÆ b C]ı «{ ± V x +   V n Æ Â { Æ i «x Æ E Ú l v x EÚ M * 3.7 Other modifications/ additions in existing schemes Based on market studies and the feedback received from branches as well as customers, some of the schemes were modified/ revamped during the year, to facilitate better customer acceptance. Reverse Mortgage Loan Scheme extended to all branches. Suvidha Loan amount limit increased to Rs.1 crore. Maximum loan amount in Car loan enhanced to Rs. 30 lac. The maximum amount of deposit in Super Surplus scheme increased to Rs.1,00,000/-. Interest concession of 0.25% on card rate on Housing loans, Car Loans and Personal Loans under Corporate Salary Package. Home Appliances Dealers Plus and Distributors Plus schemes - reduction in interest rate and relaxing the eligibility criteria. Upward revision of limit cap to Rs.200 lac for Pharma Plus scheme. Warehouse receipt financing for farmers and traders engaged in Produce marketing - the maximum cap per borrower under the scheme for financial assistance against warehouse receipt issued by National Bulk Handling Corporation increased from Rs.2 crore to Rs.3 crore. Special Drought Relief Scheme to help the farmers affected by drought and weak monsoon - Minor Irrigation Loan with reduced interest rate and extended repayment periods. Special concessions to support the farmers who have been affected by weak monsoon by extending crop loans at reduced interest rates. The Traders Special scheme modified to improve the quality of assets

24 24 tumivtsgvkv kvs]jy ] -Xn-bpsS ]eni-\n-c v t`z-kxn snøp-ibpw hmbv]m XpI Db Øp-Ibpw snbvxp. _m ns DXv] w hn]-wn-bnse G hpw \ -Xm- m-\mbn C e Uv se Hm^v s{iun v ] -Xnbv v Iogn _n UnkvIu- nw-kn-\p ]en-i-\n-c pw Nm Ppw hn]wn kml-n-cy-߃ -\p-kcn v \ho-i-cn- p. RTO bv v hmbv] \ Ip- -Xn-\p A\p- _ CuSv hyh-ÿ-iƒ DZm-c-am- n. 3.8 Icm kwhn-[m-\-߃ _nkn-\kv \ne-hmcw Db Øp- -Xn\pw CS- ]m-sp-im-cpss FÆw h [n- n- p- -Xn-\pambn hnhn[ D ]m-z-i / hnx-c-w- m / kwl-s-\-iƒ F n-h-bp-ambn ] m-fnø kwhn-[m-\-߃ G s -Sp-Øn-bn- p- v. amcpxn kpkpin C ym enan- -Up-am-bp ] m-fnøw: amcpxn Imdp-Iƒ hmßp- -Xn- \p hmbv] \ Ip- -Xn-\mbn ap K-W-\- bp hmbv]mÿm]\amwv \ΩpsS _m v. A\p-_ _m p-iƒ n-sbv v amcpxn Imdp-Iƒ hmßp- -Xn\v G -hp-a-[niw hmbv] \ In-bXv \ΩpsS _m m-wv. C{]- Imcw _m v \ Inb 15,667 hmbv]-iƒ, A\p-_ _m p-iƒ F mw tn v \ Inb hmbv]-xp-i-bpss 30 ix-am-\-am-wv. ap h jsø At]- n v 46 ix-am\w h [-\-bm-wnxv ImWn- p- -Xv. lyp mbv tamt mgvkv C ym enan- -Up-ambp Icm : lyq mbv Imdp-Iƒ hmßm hmbv]-\ Ip- -Xn-\p ap K-W-\-bp hmbv]mÿm]\w F \ne-bn lyp mbv tamt mgvkv C ym enan- -Up-ambn Icm-dn-te s - p. alo{µm & alo{µm enan- -Up-am-bp Icm : alo{µm & alo{µmbpss bm{xm-hml-\-߃ hmßp- -Xn-\p-th hmbv] \ Ip ap K-W\m hmbv]mÿm]\ambn _m v alo{µm & alo-{µ-bp-ambn Icm ÿm]n- p. hymhkmbnimsnÿm-\-øn-ep otcm- Xv]m-Z\w tic-f-øn Hcp {KmaoW kwcw- `-sa \ne-bn Nph-Sp-d- n- p-i-bm-wv. Idh-bv mbn I j-i v s{]m^-j-w Idh- msc B{i-bn-t Ah-ÿ-bm-Wp- Xv; CXv snehv Iq p- p. Cu {]iv\øn\v ia-\-ap- m- m-\mbn an abv v Iogn-ep ae-_m dopy-w tim -Hm- -td- ohv an v s{]muyq-tkgvkv bqwn-b (MRCMPU) ae- W Æ Â +{ x =i{ n EÚ «π`ˆı x x E Ú ± B W Æ Œ l i E Ú +x { n J -{ j V x E Ú +xi M «i ± b EÚ = À]ıM { Æ V n Æ B Æ Â v x EÚ M * + Æ ]ı + EÚ =v Æ Ω i l «EÚ V x i x n b  EÚ =n Æ EfiÚi x n M * 3.8 M `ˆV c l Bƒ EÚ Æ Æ i Æ Â Â v Æ + ËÆ i Æ i O Ω EÚ + O Ω h Ω i ÈEÚ EÚ z x «i +  / b ± Æ Â / M `ˆx  E Ú l M `ˆV c l Bƒ ΩË * Ø i V EÚ < b ±.: ÈEÚ EÚ Ø i EÚ Æ Â EÚ J Æ n E Ú ± B k n x EÚÆ x Ω i + v x k { π EÚ E Ú { Â Ø i V EÚ < b ±. E Ú l M `ˆ-V c ΩË * ÈEÚ x Ø i EÚ Æ Â E Ú ± B Ω M ÈEÚ Â Â + v n x EÚB* ÈEÚ u Æ n x EÚB M B 15,667 Ω M ÈEÚ Â u Æ ± EÚÆ n x EÚB M B  EÚ 30% ΩË + ËÆ Ω M i π «EÚ i ± x  46% EÚ v Æ n «i ΩË * b <«]ı «< b ± : ÈEÚ x b <«EÚ Æ Â EÚ J Æ n x E Ú ± B k n x EÚÆ x Ω i + v x k { π EÚ E Ú {  b <«]ı «< b ±. E Ú l M `ˆV c EÚ * Ω xp Bhb Ω xp ± : ÈEÚ x Ω xp Bhb Ω xp E Ú { Ë xv Æ M c ƒ J Æ n x E Ú ± B k n x EÚÆ x Ω i + v x k { π EÚ E Ú { Â Ω xp Bhb Ω xp ±. E Ú l M `ˆW b EÚ * E ÚÆ ±  h ŒV EÚ b Æ =t M BEÚ O h =t E Ú {  g Æ Ω ΩË * EÚ x  EÚ n Ω x Ω i { Æ n Ω EÚ { Æ x «Æ Æ Ω x { c i ΩË, V Ω M ΩË * < EÚ `ˆx <«x { ]ıx E Ú ± B ± E Ú +xi M «i ± Æ Æ V x ± EÚ -+ { Æ ]ı ±EÚ b «x x (B + Æ B { ) x «b ± ± < b E Ú l, ± Æ I j E Ú b Æ EÚ x  EÚ Æ i n Æ { Æ n Ω x x i Æ h EÚÆ x Ω i Z Ëi EÚ * ÈEÚ x < M `ˆV c E Ú +xi M «i n Ω x x EÚ k { π h EÚÆ x Ω i BEÚ V x x <«ΩË * Doctors Special modified with interest rate changes and higher loan amount. Interest rate and charges on Bill Discounting under Inland Letter of Credit Scheme revised in line with the market condition to make the product the best in the market. Collateral security norms for lending to RTO liberalized. 3.8 Tie-up arrangements The Bank has tie-up arrangements with various manufactures/dealers/ organisations for improving business levels and accelerated customer acquisition. Maruti Suzuki India Ltd.: The Bank has a tie-up with Maruti Suzuki India Ltd. as preferred financier for extending finance for purchase of Maruti cars. The Bank has extended maximum loans for Maruti Cars among Associate Banks. The 15,667 such loans extended by the Bank constitute 30% of such loans extended by all the Associate Banks put together and represent an improvement of 46% over the previous year. Hyundai Motors India Ltd.: The Bank entered into a tie-up with Hyundai Motors India Ltd. as preferred financier for extending finance for purchase of Hyundai cars. Mahindra & Mahindra Ltd : The Bank has entered into a tie-up with Mahindra & Mahindra Ltd. as preferred financier for extending finance for purchase of passenger vehicles of M&M. Commercial dairying is picking up as a rural enterprise in Kerala. The farmers have to depend on professional milkers for milking, which is costly. To mitigate the difficulty, Malabar Regional Co-operative Milk Producers Union (MRCMPU) under MILMA has entered into an agreement with M/s De Laval India to deliver milking

25 25 _m {]tz-isø oc-i j-i v Ipd \nc- n Id-h-b{ w FØn- p- -Xn-\mbn sat gvkv tze-h C y-bp-ambn Icm-dnte s - n-cn- -bm-wv. Cu Icm-dns `mkambn Id-h-b-{ -߃ v [\-k-lmbw \ Ip- -Xn-\p Hcp ] -Xn v _m v cq]w simsp-øn-cn- p- p. 4. t{imkv sk nwkv 4.1 C jz-d kv, ayq ^ v XpS-ßnb a v \nt ] am K-߃ m-bp Rß-fpsS D]-t`m- m- -fpss Bhiyw \nd-th- p- -Xn- \mbn _m v C jzd kv, ayq ^ v Iº\nIfpambn Icm-dp-I-fn-eqsS {ian- psim- n-cn- p-i-bm-wv. AØcw {]hr-øn-ifn \n p hcp-am\w _m ns ]en-itb-xc hcp-am\w sa -s -Sp-Øm klm-bn- n- p- v se 9.63 timsn cq]sb At]- n v kmº-øn-i-h j-øn 2.70 ix-am\w h [-\-thmss timsn cq]- bpss hcp-am-\-amwv _m n\v t{imkv sk nw- Kn \n pw e`n- -Xv. 43 ix-am-\-øn-e-[niw h [-\-thmss Fkv.-_n.-sF. sse^v C jzd kv _nkn-\kv KWy-ambn sa -s - p. bpssw- Uv C ym C jz-d kv Iº-\n-bpam-bp Icm {]Im-c-ap P\-d C jzd kv _nkn-\kpw AXn \n- p hcp-am- \hpw 1.70 ixam\w hf v tcjs SpØn. Fkv.-_n.Sn. bqwn kpc F 5 e w cq] C jzd kv XpI e`n p, A]-IS C jz-d kv ] Xn hf-sc-tbsd P\-{]oXn ]nsn- p-]- n. t]mfnkn DS-a-I-fpsS acww aqeap s bnwkv HØp-Xq m- -en-eqss 37- e-[niw IpSpw-_-߃ v (`qcn-`m-khpw ]mhs - -h-cmwv) {]tbm-p-\-ap mbn. Cu ] - Xn-bneqsS Ih-tdPv e`n- p- -h-cpss FÆw c v e w Ign- p. Fkv.-_n.-sF. Im Un- \m-bp At]- -Iƒ \ΩpsS imjm-irw- J-e-hgn kzoi-cn- m-\p {ia-߃ ]ptcm- K-an- p-sim- n-cn- p- p. 4.2 \S- p-h j-øn _m v Poh-\- m-cn 244 t] ]cn-io-e\w t\sn, ayqnz ^ p- Iƒ ssiimcyw snøm A[n-Im-c-s AMFI k n-ss^uv Fwtπm-bokv (ACES) 812 Bbn amdp-ibpw snbvxp. Fkv.-_n.-sF. sse^v C jz-d kv _nkn-\ v sa -s -Sp- Øp- -Xn-\mbn \nc-h[n Poh-\- m-tcbpw Hm^o-k am-tcbpw _m v ]cn-io-en- n- p. _m n- 902 Poh\ m CIF Bbn ]cnioe\w t\snbn p Xn 171 t]sc Cu kmºøni h jamwv ]cnioen n Xv. CtXmsS F m {_m p-i-fnepw Hcp ACE bpw CIF Dw D m-hpi F e y-tømsv IqSp- X ASp- p-i-bm-wv. 4. i GÚ 4.1 ÈEÚ, Ω Æ O Ω EÚ Â EÚ, S +± Úb + n +x x S Ëx ±  EÚ + EÚi EÚ { Æ EÚÆ x Ω i M `ˆV c l +  E Ú v V Æ Æ J ΩË * B M i v  {i + ÈEÚ E Ú M ËÆ - V +  v Æ Ω + ΩË * i GÚ +  27 i i + v EÚ v Æ Ω + ΩË + ËÆ Ω k π « Â Ø.9.63 EÚÆ c k π « Â Ø EÚÆ c Ω M * B + <«± < Ú <x Æ EÚ Æ Æ Â 43% + v EÚ Æ { Æ v Æ Ω + * x <] ıb < b < Æ E Ú{ x E Ú M `ˆV c  x x ± < Æ EÚ Æ Æ { h i «i l = =i{ z +  i 1.7% fi r n V «Ω <«* n P «]ıx { Ï ± B ]ı x Æ I Ø. 5 ± J EÚ n P «]ıx fii EÚ Æ EÚ EÚ Ú ± EÚ i ± * 37 + v EÚ { Æ Æ, + v EÚ i & x v «x { Æ Æ, { Ï ± v Æ EÚ Â E Ú x v x =i{ z n  E Ú x { ]ı x i EÚ { Æ Æ ± Œx i Ω B ΩË * B { ±  EÚ J 2 ± J + EÚ EÚ { Æ EÚÆ M <«* J +  E Ú v B + <«EÚ b «Ω i + n x  E Ú Õ M  v Æ EÚÆ x Ω i V Æ Ω Ë * 4.2 π «E Ú n ËÆ x ÈEÚ E Ú 244 ]ı Ú n  EÚ I i EÚ M + ËÆ =xω Âx B B B Ú + <«Ã]ı Ú <b B {± Ï<«(B <«) E Ú {  M i {i EÚÆ ± V B <«Â EÚ E Ú± J 812 Ω M <«+ ËÆ S +± Úb EÚ EÚ «n J x E Ú ± B v EfiÚi ΩË * B + <«± < Ú EÚ Æ Æ Â v Æ EÚÆ x Ω i, ÈEÚ x EÚ<«EÚ «S Æ Â / + v EÚ Æ Â EÚ I i EÚ ΩË * 902 ]ı Ú n  x Ã]ı Ú <b < ÆÂ Ú ± ] ı]ı «( + <«B Ú) E Ú {  M i {i EÚÆ ± ΩË V Â Æ { ]ı «v x k π «E Ú n ËÆ x M i {i EÚÆ x ±  EÚ J 171 ΩË * < E Ú l Ω ÈEÚ J +   BEÚ B <«B + <«B Ú Ω x E Ú =q E Ú x EÚ]ı { Ω ƒ S M ΩË * machines at discounted rate to the dairy farmers of Malabar Region. The bank has formulated a scheme for financing of milking machine under this tie-up. 4. Cross Selling 4.1 The Bank continues to make efforts to meet the needs of the customers for other investment channels like Insurance, Mutual Funds etc through tie-up arrangements. The income from such activities has also served to improve the Non-Interest income of the Bank. Income from Cross selling has improved by more than 27% from Rs.9.63 crore in FY to Rs crore in FY SBI Life Insurance business improved substantially by more than 43%. General Insurance business turnover in tieup with United India Insurance Company and income generated thereon have marginally gone up by 1.7%. The Accident Insurance policy, SBT Uni Suraksha, carrying Accident Death Cover of Rs.5 lac, has gained more popularity. More than 37 families, most of them poor, have benefited from settlement of claims arising out of death of policyholders. The number of such policies issued has crossed 2 lac. Efforts are afoot to improve sourcing of applications for SBI cards through the Branches. 4.2 During the year as many as 244 members of Bank s staff were trained and qualified as AMFI Certified Employees (ACEs) authorised to handle Mutual Funds, taking the total number of ACEs to 812. In order to improve the SBI Life business, Bank trained several employees/officers. There are as many as 902 employees qualified as Certified Insurance Facilitators (CIFs) out of which 171 employees qualified during the FY under report. With this the Bank has moved closer to the objective of having an ACE and a CIF each in all branches.

26 ISw hmßn-b-h-cpss A{]-Xo- nx ac- WsØ XpS v Xncn- -Shv ] ni {]Imcw AS-bv m-\p hmbv] XpIbv v kwc- Ww \ Ip- -Xn-\mbn Fkv.-_n.-sF. sse^ns "[\c ' hmbv]m-kw-c- W kwhn-[m-\-øns ASn-ÿm-\-Øn \S- ph jw 1,50,000 `h-\-, Im hmbv]-iƒ kwc- n- -s - p.cu ] Xn hmbv]m A u v \njv{inb BkvXn-bmbn amdp- Xv XS psim v ac-w-zpxjw A\p-`-hn- p IpSpw-_-Øn\v Bizm-k-ambn amdp-i-bm-wv. 4.4 "{Kmao i n' F t]cn Hcp kq va C jz-d kv DXv] w Ah-X-cn- n- p. kzbw klmb kwl-ß-fnse hmbv]- m-cm-b-h v, h j-øn 601 cq]m, am{xa-s- p-sim v 50,000 cq]-bpss sse^v C jzd kv kpc In p ] -Xn-bm-Wn-Xv. 5,000 hmbv]m CS-]m-Sp-Im v Cu tkh\w e`n p p. 5. {]hmkn tkh-\-߃ 5.1 NRI _nkn-\- nse tic-f-ønse hn]wn t\xrxzw hln- p Fkv.-_n.Sn {]hm-kn-iƒ p kvioapifpw tkh-\- ßfpw sa -s -Sp-Øm-\mbn \nc- cw {ian- p-sim- n-cn- p- p. kmt -Xn-I-hn-Zy-bn-e-[njvTn-X-amb F m DXv]- -ßfpw tkh-\- ßfpw {]hm-kn-iƒ pw e`y-am- n-s m- ncn- p-i-bm-wv. temi-øns GXp `mk-øp- \n pw Ah-cpsS {]nb-s _m mbn Fkv.- _n.-sn-bp-ambn CS-]m-Sp-Iƒ \S-Øp- -Xn\v th n-bm-wn-xv BK-Ãn Zp_m-bn Bcw-`n {]Xn-\n[n Hm^ok,v _m ns imj-ifpw, _m nwkv Bh-iy-ß-fp {]hmkn-ifpw XΩn-ep IÆnbmbn {]h Øn p hcp- p. Kƒ^v tim Hm -tdj Iu kn-ense (Pn.-kn.-kn) hni-kzchpw Du P-kz-e-hp-amb c v cmpy-ß-fmb bp.-f.-c.-bnepw kp Øm-t\ v Hm^v Ham- \nepw Fkv.-_n.- n-bpss tkh-\-߃ AXns FIvkvtN v Iº-\n-I-fmb kn n FIvkvtN v F -F kn (bp.-f.-c.) t m_ awn FIvkvtN v (kp Øm-t\ v Hm^v Ham ) F n-h-bn-eqss e`y-am-wv. 5.2 kao-]-im-eøv hni-kn- n-s -SpØ NRI PLATINUM F A u v Db aqeyap \nt -]-I n-s-bn ani {]Xn-I-c- W-amWv Df-hm- n-bn- p- -Xv. Cu DXv] w CS-]m-Sp-Im v khn-tij ]cnkw\ \ Ip-Ibpw Ht sd tkh-\-߃ kup-\yambn {]Zm\w snøp-ibpw snøp- p. F m {_m p-i-fnepw k okv Nm Pv C msx amdm-hp _lp- -\-Kc sn p-ifpw kup\y C jz-d kv {]Zm\w snøp Fkv.-_n.- n. tkmƒuv Im Up-amWv Cu DXv]- -Øns khn-ti-j-x-iƒ. 4.3 ÈEÚ x B + <«± < Ú u Æ ={ ± v v x Æ I, V =v Æ EÚi «EÚ n «M fii Ω V x EÚ Œ l i  S EÚ Ëi EÚ «GÚ E Ú +x Æ EÚ EÚ Æ EÚÆ i Æ I h v E Ú +xi M «i 15,000 + v EÚ Æ EÚ b«j  + + ËÆ EÚ EÚ Æ EÚ * Ω V x ± f J i EÚ n O i / +x V «EÚ + Œ i x x Æ EÚx E Ú l Ω EÚ xi {i { Æ Æ EÚ n n n i ΩË * 4.4 O h HÚ, BEÚ <GÚ < Æ =i{ n V Ø. 601 Ãπ EÚ EÚ x j ± M i { Æ Ω i Ω (B BS V ) =v Æ EÚi «+  EÚ Ø. 50,000 i EÚ E Ú ± B ± < Ú EÚ Æ EÚÆ i ΩË, EÚ + Æ EÚ M + ËÆ { h x EÚ M V 5,000 =v Æ EÚi «± Œx i Ω ÂM * 5. Bx + Æ + <«Â 5.1 B ]ı, E ÚÆ ±  Bx + Æ + <«EÚ Æ Æ EÚ EÊÚ]ı ± b Æ, Bx + Æ + <  EÚ n x EÚB V x ± +{ x =i{ n  + ËÆ +   x Æ xi Æ v Æ EÚÆ i Æ Ω ΩË * Ët M EÚ + v Æ i =i{ n + ËÆ Â Bx + Æ + <«EÚ ={ ± v EÚ M <«i EÚ M ± E Ú EÚ EÚ x =x E Ú +i i + v x ÈEÚ E Ú l ÈÀEÚM EÚÆ E Ú * +M i 2008  n <«Â J ± M i x v EÚ «±, J +  + ËÆ Bx + Æ + <«E Ú S =x EÚ ÈÀEÚM + EÚi +  EÚ { Æ EÚÆ x E Ú ± B BEÚ { E«Ú E Ú {  EÚ «EÚÆ Æ Ω ΩË * ÈEÚ EÚ i fii B, M ± Ú EÚ -+ { Æ x EÚ = ± (V ) E Ú n V i B EÚ ± n B <«i l ±i x i + Ï Ú + x  +{ x S ± i BC S ÂV EÚ { x  +l «i B <«Â ]ı BC S ÂV B± B± i l ±i x i + Ï Ú + x  M± ± x BC S ÂV E Ú v ={ ± v ΩË * 5.2 Ω ± Ω Â EÚ i =i{ n "Bx + Æ + <«{± ]ıx ' J i EÚ =SS x ± ± i Bx + Æ + <  u Æ +SUÙ M i EÚ M C  EÚ Ω =i{ n O Ω EÚ Â EÚ π { Ω S x n x EÚÆ i ΩË + ËÆ EÚ<«B x & ±EÚ n x EÚÆ i ΩË * HÚM i, J +   ± { Æ n Œ±]ı ]ı S EÚ i l " x l «n x EÚÆ x ± B ]ı M ±b EÚ b«( ) < =i{ n EÚ J π]ıi  ΩË * 4.3 Bank covered a record number of more than 15,000 Housing and Car Loans during the year under Credit Protection facility of Dhanaraksha provided by SBI Life which covers the loan outstanding as per repayment Schedule in the event of unfortunate death of borrowers. The scheme effectively provides succour to the bereaved family while preventing the loan account from becoming a stressed/nonperforming asset. 4.4 Grameen Shakthi, a micro Insurance product, which covers the life of SHG borrowers to the extent of Rs.50,000 at a nominal cost of Rs.601 per annum, was also launched and marketed to benefit 5,000 borrowers. 5. NRI Services 5.1 SBT, the market leader in NRI business in Kerala, has been continuously improving its products and services to NRIs. All technology based products and services have been made available to NRIs also, so that they can bank with their most preferred bank, SBT, from any corner of the globe. The Representative Office in Dubai, opened in August 2008, is acting as an interface between branches and NRIs to meet their banking needs. Bank s extended arms are available in UAE and Sultanate of Oman, the two vibrant and developing countries in the Gulf Cooperation Council (GCC), through the Bank managed Exchange companies, viz., City Exchange LLC in UAE and Global Money Exchange in Sultanate of Oman. 5.2 The recently developed product, NRI PLATINUM account, has been well accepted by high networth NRIs, as the product provides special identity to customers and a host of services free of cost. Personalized multicity cheque payable at all branches at par and SBT Gold International Debit Card (VISA) that provides complimentary insurance are the special features of the product.

27 Kƒ^v \msp-i-fn \n p thk-ønepw kpc- n-x-ambpw ]Ww Ab-bv p- -Xn\v _m v kz -ambn hni-kn- n sh_v- -A-[njvTnX kwhn-[m-\-amb awn {Sm kv C -sdan- v, CS-]m-Sp-Imcpw FIvkvtN v Iº-\n- Ifpw Hcp-t]mse kzmkxw snbvx khn-tij-amb Hcp kwhn[m\amwv. A]vtemUv snbvx DS Xs A u nte v hchp hbv phm Cu ]mt Pv klm-bn- p- p. C mcyw CS-]m-Sp-Imsc Fkv.-Fw.-Fmtbm C -sa-bn-emtbm Adn-bn- p-ibpw snøpw. _m p-ambn t{umbnwkv kwhn-[m- \-ap 25 FIvkvtN v Iº-\n-Ifn Cu kwhn-[m\w e`y-am- n-bn- p- v. \ne-hn-ep kzn^v v sdan- kv, dp o t{umbnwkv kwhn-[m- \-߃ v ]pd-sa-bmwv Cu kui-cyw. C sdan v kwhn[m\w hgn Imebfhn e w CS]mSpIfneqsS 9,826 timsn cq] hcpibp mbn Imebfhn e w CS]mSpIfneqsS 5,929 timsn cq]bptsxmbncp p. 5.4 NRI A u- p-i-fn-te- -b- p 5000 cq]bv p api-fn-ep XpI ssi - nb hnhchpw 25,000 cq]-bn-e-[n-i-ap XpI FSp- p hnh-chpw Fkv.-Fw.-Fkn-eq-sS {]hm-kn-isf Adn-bn- m-dp- v. _m ns C s\ v _m nwkv kwhn-[m\w {]hm-kn- Iƒ v _m ns Xs a v imj-i-fntebv pw C y-bn-ep a p _m p-i-fnte pw XpI am p- -Xn\p klm-bn- p- p. ]e-hn-[-øn-ep ÿncw \n tz-i-߃ \S- m- p- -Xn\pw dbn _p nw-kv, ^okv ASbv, Hm sse tjm nwkv XpS-ßn-bhbv pw {]tbm-p-\-{]-z-amwv Cu kwhn-[m- \w. IqSmsX A u- nse hnh-c-ßfpw CS- ]m-sp-ifpw ImWp-hm\pw ]cn-tim-[n- phm\pw km[n- pw. 5.5 {]hm-kn-iƒ m-bp kvioapiƒ, tkh-\-߃, ]en-i-\n-c v apx-em-b-h-sb- - n-bp {][m\ hnh-c-w-ßfpw hm Ø- Ifpw Dƒs -SpØn {]kn- o-i-cn- p "NRI News Channel' imj-i-fn-eqss C -sa-bn hgn {]hm-kn-iƒ v FØn- p-sim-sp- p- p v. 5.6 FIvkvtN v Iº-\n-Iƒ hgn FØp ]pxnb NRI A u v XpS-ßp- -Xn-\p At]- -Iƒ Xncp-h-\- -]p-cøv kvym-]n- s GIo-IrX "eb-_n-en n sk {S- t{]mk-knwkv sk dn' FØn v A u v Xpd- v, aƒ n-kn n sn v, ]mkv_p v F nh CS-]m-Sp-Im v thk- Øn Ab- p-sim-sp- p- p. 5.3 ÈEÚ u Æ + Æ Œ i J c n  π h Ω i + v Æ i i Æ i B Æ I i v x ] ı x <«-Æ ]ı BEÚ + u i =i{ n ΩË V O Ω EÚ Â + ËÆ BC S ÂV E Ú{ x  EÚ EÚ Ú { xn + * < V x E Ú v EÚB M B π h, v + ËÆ +{ ± b EÚÆ x E Ú n ÈEÚ E Ú l Œ l i J i  i Æ xi { Ω ƒ S V i ΩÈ + ËÆ B B B / <«- ± u Æ π h EÚi «EÚ { i n V i ΩË * Ω v 25 BC S ÂV E Ú{ x  EÚ ={ ± v EÚÆ <«M <«V x EÚ Ω Æ l + Ω Æ h l Bƒ ΩÈ * Ω v, t x Ø { b }]ı + Ω Æ h v + ËÆ Œ }]ı π h E Ú + i Æ HÚ ΩË * <«-Æ ]ı E Ú v EÚB M B π h  EÚ J, E Ú n ËÆ x Œ l i E Ú± Ø. 5,929 EÚÆ c E Ú ± J EÚ i ± x   E Ú± Ø. 9,826 EÚÆ c E Ú ± J π h Æ Ω * 5.4 Bx.+ Æ.+ <«Â EÚ Ø. 5,000 E Ú V + ËÆ Ø. 25,000 + v EÚ E Ú x EÚ { i B B B u Æ n V i ΩË * ÈEÚ u Æ ={ ± v EÚÆ <«M <«<h]ıæ x ]ı v Bx + Æ + <«Â EÚ ÈEÚ E Ú +xi M «i + ËÆ Æ i  +x ÈEÚ Â EÚ i l +x { I + i Æ h  EÚ x v EÚ + i Æ h EÚÆ x, z M i x  E Ú ± B =x E Ú l +x n  EÚ { ± x EÚÆ x, Æ ± ÀEÚM, ±EÚ M i x i l + Ïx ± <x ÏÀ{ M EÚÆ x  n n n i ΩË * < E Ú Ω M +{ x J i + ËÆ ± x n x n J EÚi ΩÈ * 5.5 Bx + Æ + <  E Ú ± B ={ M, =i{ n  + ËÆ + Â, V n Æ Â + n E Ú v Â Ω i { h «S Æ + ËÆ V x EÚ Æ HÚ EÚ S Æ { j Bx + Æ + <«x W S Ëx ±, Bx + Æ + <«P ]ıeú  EÚ J +  E Ú v <«- ± u Æ { Æ S ± i EÚ V i ΩË * 5.6 BC S ÂV E Ú{ x  u Æ ª i i x B O Ω EÚ Â Ω i Bx + Æ <«J i J ± x EÚ + i Ø x xi { Æ Â EÚ «Æ i ± ± ]ı h] ı± À M h]ıæ (B± { )  E Úxp EfiÚi EÚ M ΩË, V O Ω EÚ Â E Ú ± B i Æ xi J i J ± x + ËÆ Œ±]ı ]ı S EÚ EÚ i l { EÚ V Æ EÚÆ x v V x EÚ x n i ΩË * 5.3 The MoneyTrans e-remit, a web based fast and secure facility for remittances from Gulf countries, introduced by the Bank is a unique product well received by the customers and Exchange Companies. The remittances through the scheme will reach the accounts with the bank directly, immediately on upload and will be acknowledged by SMS/ to the remitter. This facility has been extended to 25 exchange companies that are having drawing arrangements with the Bank. This facility is in addition to the existing Rupee draft drawing facility and Swift remittance. Remittances through e-remit numbered lac aggregating Rs.9,826 crore during as against lac aggregating Rs.5,929 crore during All credits of Rs.5,000 and all debits above Rs.25,000 are acknowledged through SMS to NRIs. Internet banking facility offered by the bank enables the NRIs to effect transfer of funds within the Bank as well as to other banks in India and also third party transfers, carry out their standing instructions for various payments, rail bookings, fee payments, and also online shopping. It also enables them to view their accounts and transactions. 5.5 NRI News Channel, a monthly newsletter containing important news items and information regarding products and services, interest rates etc. useful to NRIs, is circulated to all NRI constituents through the branches by Opening of new NRE account sourced by Exchange Companies is now centralized at the Liability Central Processing Centre [LCPC] functioning at Thiruvananthapuram, which facilitates immediate opening of accounts and issuance of Multicity cheque book and pass book to the customers.

28 Fd-Wm-Ip-fsØ hntz-i-\mwy hn\n-ab hn`m-k-tøm-s-\p-_- n- p ISB sl ]v sukviv Kƒ^v cmpy-ß-fn \n -bbv p ]W-sØ- - n-bp At\z-j-W߃ v adp]sn \ Ip- p. sluv Hm^o-knt\m-S-\p-_- n- p ATM sl ]v sukviv, C s\ v _m nwkv sl ]v sukviv, NRI sl ]v sukviv F nh {]hm-kn-iƒ v Ah-cpsS \nt -]-ß-sfbpw CS-]m-Sp-Itfbpw Ipdn- p ]cm-xn-iƒ ]cn-l-cn- p- -Xn\p th klmbw \ In-h-cp- p. 5.8 B n-ß, amth-en- -c, Xncp-h-, Fd- Wm-Ipfw F n-hn-s-ß-fnse _m ns NRI imj-ifpw {]hm-kn-ta-j-e-i-fnse 50- -e-[niw imj-i-fnse NRI sk p-ifpw \ Ip hfsc khn-ti-j-am-b, hy n-k-x-amb tkh-\-߃ {]hm-kn-iƒ v XnI kwxr]vxn Df-hm- p- -h-bm-wv. 6. _nkn-\kv t{]mk v dof- n-\ob-dnwkv (BPR) kwcw-`-߃ 6.1 {]I-S\w sa -s -Sp-Øp-I, CS-]m-Sp- Im v \ Ip tkh\w BtKmf \ne-hmc-øn-te v Db ØpI F o e y-ßtfmss 2005 s^{_p-hcn apx, ASn-ÿm-\- ]-c-amb Ign-hp-Ifnepw B[p-\nI kmt -Xn- I-hn-Zy-bnepw Du \ Inbpw {]h Ø- \-ssien ]p\-cm-hn-jvi-cn pw hnhn[ Xc- Øn-ep _n.-]n.-b. kwcw-`-߃ v _m v XpS w Ipdn- p. 6.2 Nn -d, sndp-in-s, CS-Øcw kwcw` taje-ifnse hmbv]-iƒ hne-bn-cp-øp- -Xn\pw A\p-h-Zn- p- -Xn\pw hnx-cww snøp- -Xn- \p-ambn 8 {][m\ sk -dp-i-fn sk {SssekvUv tem t{]mk-knwkv sk -dp-iƒ ÿm]n- n- p- v. CXv sa -s BkvXn KpW- \n-e-hm-c-ønepw hmbv]-iƒ thkw A\phZn p Xn\pw hgn-sh- p. ]me- msv {]h Øn- p _m ns dqd sk {S t{]mk- nwkv sk Pn -bnse F m imj- Ifnepw tkh-\-sa-øn- p- -txm-ssm w Cu taj-e-bnse hmbv]-bpss KpW-\n-e-hmcw sa -s -Sp-Øphm\pw klm-bn- n- p- v. 6.3 \n nx hn]wn e yw-sh v CS-]m- Sp-Iƒ h n- n- p- -Xn-\mbn Ggv sk {SssekvUv tem t{]mk- nwkv sk -dp-ifn _lp- -D hn -\-kw-l-߃ (Multi-Product Sales Teams - MPSTs) ÿm]n- n- p- v. hmbv] ]ncns Sp- {]{In-b-bn apjy {i ti{µo-i-cn- p-sim v tic-f- Ønse Ggv {][m\ \Kcß-fn "kvs{skvuv Ak vkv sdk-eyq-j sk -dp-iƒ (SARCs) Bcw`n n- p- v. CXp-hgn \njv{inb BkvXn- I-fn IpSp-ßn- n-s- p XpI-Iƒ IqSp- 5.7 n x M BÆ h E Ú± r + <«B Ω ±{ b EÚ, J c n  EÚB M B z π h  v i x  EÚ v x EÚÆ i ΩË * v x EÚ «± r B]ı B Ω ±{ b EÚ, <h]ıæ x ]ı ÈÀEÚM Ω ±{ b EÚ i l Bx + Æ + <«Ω ±{ b EÚ, + x Æ i  (Bx + Æ + <«) EÚ =x E Ú J i  + ËÆ ± x n x  E Ú v  =x E Ú EÚ i  E Ú v x EÚÆx Â Ω i EÚÆ i ΩÈ * œ] ı]ım ±, ± CEÚÆ, i Ø ±± + ËÆ BÆ h E Ú±  Œ l i S Æ Bx + Æ + <«J B i l Bx + Æ + <«E Úxp   50 + v EÚ J +   Œ l i π EfiÚi Bx + Æ + <«EÚI, Bx + Æ + <«Â EÚ π EfiÚi HÚM i  n x EÚÆ i ΩÈ * 6. GÚ { x à x ( { + Æ ) { Ω ± 6.1 EÚ «x π{ n x  v Æ EÚÆ x + ËÆ O Ω EÚ EÚ i Æ EÚ x x E Ú =q ÈEÚ x +{ x J I i + Â, +i v x EÚ Ët M EÚ B { x &{ Æ EÚŒ±{ i { Æ S ± x M i f S EÚ ={ M EÚÆ i Ω B ÚÆ Æ Æ z { + Æ { Ω ±  EÚ ± M EÚÆ x + Æ EÚÆ n * c E Úxp   J n Æ, ± P B v =t   E Ú ± EÚx, EfiÚ i B i Æ h Ω i E Úxp EÚÆ h E Úxp ( { ) l { i EÚB M B ΩÈ * V E Ú { Æ h { + Œ i  EÚ M h k  v Æ Ω + ΩË +  E Ú i Æ Â Ω x ±  EÚ + M <«ΩË * ÈEÚ EÚ O h E Úxp EÚÆ h E Úxp { ± CEÚ c  EÚ «Æ i ΩÈ V W ± EÚ J +  EÚ EÚ Æ EÚÆ i ΩË + ËÆ < J hb =v Æ EÚ M h k  v Æ Ω Æ Ω ΩË * 6.3 EÚ Æ Æ E Ú S Æ Ω i π]ı W Æ Â EÚ ± I i EÚÆ x E Ú ± B { E Úxp Â Â Ω =i{ n GÚ ]ı (B { B ]ı ) l { i EÚB M B ΩÈ * n O i + Œ i ƒ v x E Úxp lac lac lac lac 5.7 ISB Helpdesk attached to Foreign Exchange Dept., Ernakulam attends to queries relating to various remittances made from Gulf countries. ATM Helpdesk, Internet Banking Helpdesk and NRI Helpdesk attached to Head Office, support the NRIs to resolve all their grievances in respect of their accounts and transactions. 5.8 The four NRI Branches at Attingal, Mavelikkara, Thiruvalla and Ernakulam and specialized NRI Cells in more than 50 branches in NRI centres provide specialized and personalized services to the NRIs. 6. Business Process Re-engineering (BPR) Initiatives 6.1 The Bank has embarked on implementation of various BPR initiatives beginning from February, 2005, with the objective of improving performance and enhancing customer service to global standards, by leveraging on its core competencies, state of the art technology and redesigned operating architecture. 6.2 Centralised Loan Processing Centres (CPCs) for appraisal, sanction and disbursement of loans in Retail, Small & Medium Enterprises segments have been set up at 8 major centres, resulting in improved quality of assets and shorter turnaround time in extension of loans. Bank s Rural Central Processing Centre functions at Palakkad covering all the branches in the District and improving the quality of lending to this segment. 6.3 Multi Product Sales Teams [MPSTs] have been established at seven of the loan

29 29 X DXv]m-Z-\-]-c-amb Bh-iy-߃ v D]- bp amip Xc-Øn ]ncns SpØv hnxcww \S-Øm Ign-bpw. 6.4 CS-]m-Sp-Im v hy ym[njvtnxamb tkh-\-߃ \ Ip- -Xn-\mbn sxc-s - SpØ imj-i-fn dnte-j jn v amt\- P amsc \nb-an- n- p- v. CS-]m-Sp-Iƒ \S-Øp- -Xn\v D]-t`m- m- sf \bn- p- -Xn\v Xncs -SpØ imj-i-fn {Kml-Ivan-{X-amsc \nb-an- n- p- v. sn v, {Um^v v, UnhnU v hmd v apxembh kpc- n-x-ambpw XS- - ß-fn- m-sxbpw ssiimcyw snøp- Xn\v imj-i-fn t{um]v t_mivkp-iƒ ÿm]n- n- p- v. Id kn snãpifn \n v t\m piƒ Bhiym\pkcWw a v {_m pifn FØn m\pw FSp p hm\pw th n ]Xns\m v {][m\ ti{µßfn Id kn AUvan\nkvt{Sj sk cq]oicn p. Cu kwhn[m\w hgn km[mcw {_m pifn Id kn t\m piƒ BhiyØne[nIw kq n p Xp Ipdbv phm km[n p. 6.5 ticf kwÿm-\sø _m ns F m imj-i-fn \n pw s] j hmßp- -hcpss s] j IW- p-iq- p {]{Inb Xncp-h-\- -]p-cøp ÿm]n- n- p ti{µo- IrX s] j t{]mk- nwkv sk -dn-emwv \S- p- -Xv. IW- p-iq- IrXy-am-sW pw hnx-cww bym-k-abw \S- p- p-s pw CS-]m-Sp-Im v Ime-Xm-a-k-ap- m-ip- ns pw Cu kwhn[m\w Dd p hcp-øp- p. 6.6 MICR ti{µ-ß-fn ti{µoirx nb-dnwkv t{]mk- nwkv sk -dp-iƒ ÿm]n- p- -Xn\v apt m-sn-bmbn Xncp-h-\- -]p-cw, Fd-Wm-Ipfw, timgn-t msv F n-hn-s-ß-fnse Hu vth Uv nb-dnwkv {]h Ø\w MICR ti{µ-ß-fn ti{µo-i-cn- n-cn- p-i-bm-wv. Cu kwcw`w XpSßp txmss ASpØ Znhkw Xs {]mtz-in-i-amb nb-dnwkv C kv{sp-sa p-i-fp-ambn _ -s A u- p-iƒ v hi sim n m\mipw. 6.7 Fd-Wm-Ip-fw, snss F n-hn-s-ß-fn t{suv ^n\m kv sk {S t{]mk- nwkv sk -dp-iƒ (TFCPCs) {]h Ø-\-am-cw-`n- n- p- v. {]h Ø\Ønse KpWta Dd phcpøp Xnte v ]cn-n-b-k-º- cmb DtZym-K-ÿ-cmWv B`y- -c- -hn-tzi hym]m-c-[-\-k-lm-b-hp-ambn _ -s CS- ]m-sp-ifpw _m v Kymc- n-ifpw ssiimcyw snøp- -Xv-. (B B + Æ ) E ÚÆ ±  7 E Úxp   J ± M B ΩÈ i EÚ ± { Æ V n v x E Úxp i EÚÆ E Ú* < +x V «EÚ + Œ i   + Ø r x v ƒ V Æ Ω V i ΩË, V EÚ ={ M i + ËÆ + v EÚ ± EÚ Æ =q  E Ú ± B EÚ V EÚi ΩË * 6.4 O Ω EÚ Â EÚ HÚM i B n x EÚÆ x E Ú ± B S x xn J + Â Â Æ ± x { Ëx V Æ Â EÚ i Ëx i EÚ M * S x xn J +   O Ω EÚ j EÚ ± M M i EÚ O Ω EÚ Â EÚ ± x n x EÚÆ x  GÚ { M «n «x EÚÆ E Ú* V EÚB M B ± J i  EÚ x Z Z ]ı E Ú + ËÆ Æ I i { EÚ Æ«<«EÚÆ x E Ú ± B S x xn J +   b Ï{ C ={ ± v EÚÆ B M B ΩÈ * p x EÚI V x i V Æ B M ËÆ i V Æ J +   x EÚn ± x n x EÚÆ x x ŒπGÚ x EÚn EÚ ± M i ± EÚÆ x S i Ω i ΩË, M Æ Ω E Úxp   ± M EÚ ΩË * 6.5 {  x EÚÆ h EÚ i Ø x xi { Æ Â l { i E Úxp EfiÚi {  x EÚÆ h E Úxp  E Úxp EfiÚi EÚ M ΩË * V E Ú i Ω i {  x { Æ EÚ± x   l l «i, {  x EÚ { Æ i Æ h B ± x n x  EÚ i Æ i x { ]ı x x Œ S i EÚÆ i Ω B E ÚÆ ± Æ V Â Ω Æ EÚ J {  x  EÚ + Ω Æ h EÚÆ x ± {  x Æ Â EÚ EÚ Æ EÚ M * 6.6 B + <«+ Æ E Úxp   E Úxp EfiÚi v x EÚÆ h E Úxp l { i EÚÆ x  +O n i Ω x E Ú x i, i Ø x xi { Æ, BÆ h E Ú± + ËÆ EÚ π CEÚ b E Ú B + <«+ Æ E Úxp   V EÚ v x EÚ «E Úxp EfiÚi ΩË * < { Ω ± E Ú i «x ÈEÚ, l x v x ± J i  E Ú V EÚÆ x E Ú n Æ n x J i EÚ G Ú b ]ı EÚÆ { Æ Ω ΩË * 6.7 +x { Æ S ± x HÚ Â u Æ n B n { Æ k v ± x n x + ËÆ ÈEÚ M Æ ]ı EÚ EÚ «B { i EÚÆ ıx EÚ x Œ S i EÚÆ x Ω i ± I i { Æ k E Úxp EÚÆ h E Úxp (]ı B Ú { ) BÆ h E Ú± B S z <«Â + Æ EÚB M B ΩÈ * CPC centres to target specific markets, for canvassing business. Stressed Assets Resolution Centres (SARCs) have been rolled out at 7 centres in Kerala for more focused attention on recovery, thereby releasing funds blocked in non-performing assets which can then be utilised for more productive purposes. 6.4 Relationship Managers have been posted at select branches to extend personalized services to the customers. Grahak Mitras have been positioned at select branches to proactively guide the customers in conducting transactions. Drop Boxes have been provided at the branches for hassle-free and safe handling of instruments deposited. Currency Administration Cells, which facilitate Cash transmittal between Chest and non-chest branches to save the cost involved with idle cash, have been rolled out in 11 centres 6.5 Pension processing has been centralized at the Centralised Pension Processing Centre set up at Thiruvananthapuram, covering all pensioners drawing pensions from any of the branches in Kerala State, ensuring accuracy in pension calculations, timely disbursement of pension and quick settlement of transactions. 6.6 As a forerunner to setting up Centralised Clearing Processing Centres at MICR centres, the outward clearing work is centralized at the MICR centres of Thiruvananthapuram, Ernakulam and Kozhikode. With the introduction of this initiative, the Bank is able to afford credit to the accounts in respect of local clearing instruments on the next day of deposit. 6.7 Trade Finance Central Processing Centres [TFCPCs], aimed to ensure efficient and uniform handling of inland and foreign trade finance related transactions and Bank Guarantees by experienced operations personnel, have been rolled out at Ernakulam and Chennai.

30 tkhnmvkv _m v/id v A u v Xpd- p- -Xn\pw _ -s tkh-\-߃ pw imj-iƒ v Bh-iy-amb ]n pw \ Ip- -Xn\v Xncp-h-\- -]p-cøv Hcp eb-_n-en- n sk {S t{]mk- nwkv sk ÿm]n- n- p- v. F.-Sn.-Fw. Im Up-Iƒ, sn v _p p- Iƒ apx-em-bh Dƒs -Sp-, ap Iq n Xømdm- nb sh Iw In p-iƒ imj-iƒ v \ In D]-t`m- m- ƒ v Ipd ka-b- Øn-\p- n A u v Xpd- p- -Xn\pw {]h Øn- n- p- -Xn\pw Ign-bp- p. 7. hnh-c-km-t -Xn-I-hnZy kmt -Xn- I-hn-Zy-bpsS D -a-\hpw hnh-c-kmt -Xn-I-hnZym DZy-a-ßfpw 7.1 ]pxp-xmbn Xpd imj-i-f-s w _m ns F m imji-fnepw tim _m nmv skmeyq-j kv \S- m- n-b-txmss tim -td v \qx-\-xzhpw hf bpw Dd- m- p- -Xn hnh-c-km-t -Xn-I-hn-Zym-hn-`mKw apjy ] mwv hln- p- -Xv. s\ v h v D]- I-c-W-߃ p- m-im-\n-s-bp XI-cmdv ]camh[n elq-i-cn- p- -Xn-\m-bn A\-h[n {InbmflIamb \S-]-Sn-Iƒ FSp- p-i-bp- m-bn. DZm-l-c-W-Øn\v CSn-an- km[y- X-bp imj-i-fn k Pv Ad-Ãp-Iƒ ÿm]n- p. XpS -bmb IW-IvSn-hn n {]iv\- ߃ D imj-iƒ v Ah-bpsS H -s -S Hgn-hm- p- -Xn-\mbn hnkm v (VSAT) kwhn- [m\w G s -Sp-Øn. s\ vh v {]h Ø\w sa -s -Sp-Øp- -Xn\pw _n.-f-kv.-f.-f. Nm\ sne-hp-iƒ Ipd-bv p- -Xn-\p-ambn _m v imj-isf G hpw ASp-Øp kn n A{K-tK-j t]mbn vkn-te v (CAP) hgn- Xn-cn- p-hn p. sshdkv B{I-a-W-ß-fn \n- p A]I-S-ß-fn \n pw s\ vh ns\ kwc- n- p- -Xn-\mbn s\ vh nep F m D]-t`m- m ƒ pw, H bv p Iºyq- -dp-iƒ pw em]vtsm- p-iƒ pw B n-ssh-dkv t{]m{km-ans G hpw ]pxnb ]Xn- mb SEP \ In-bn- p v. 7.2 _Z \n h-l-w-am K-߃ (Alternative Delivery Channels) _m n\v 2010 am v 31\v 726 F.-Sn.-F-Ωp-Ifp- v (im-j-iƒ v ]pd-øp 222 F.-Sn.-F- Ωp-Iƒ AS- w). kwÿm-\sø G hpw henb F.-Sn.-Fw. irwje (611 F.-Sn.- FΩpIƒ) _m n-t -Xm-Wv. Ch tã v _m v {Kq ns 21,500 cw F.-Sn.-F-w irwje bpambn _ n- n- n-cn- p- p. Znh-k-ØnteXp ka-bøpw ]Ww ]n h-en- m-sa- - Xn-\p-]p-dsa tã v _m v {Kq v D]-t`m- m- ƒ v F.-Sn.-Fw. D]-tbm-Kn v 50,000/ cq] hsc- {Kq n- s _m v A u n te v (Card to Card Transfer) Ab-bv m Ign-bpw. 6.8 S i ÈEÚ + ËÆ S ± V J i  V Ë n i J i  EÚ J ± x + ËÆ Ã À M EÚÆ x  J +  EÚ ËEÚ + Ï Ú Ω M n x E Ú ± B i Ø x xi { Æ Â BEÚ n i E Úxp EÚÆ h E Úxp J ± M * Ω E Úxp, B]ı B EÚ b Á + ËÆ S EÚ EÚ Â HÚ { Ω ± i Ë Æ EÚB M B M i EÚ] ı J +  EÚ ={ ± v EÚÆ i ΩË V O Ω EÚ Â EÚ EÚ Â J i J ± x + ËÆ J i EÚ S ± x EÚÆ x v V x EÚ Ω V i ΩË * 7. S x Ët M EÚ - Ët M EÚ =z x + ËÆ S x Ët M EÚ { Ω ± 7.1 ÈEÚ Â x <«J + Â Ω i J +   ± M EÚB M B EÚ Æ ÈÀEÚM ± x, + <«]ı M EÚ { ÊÆ ]ı x x π + ËÆ fi r v EÚÆ x  BEÚ +Ω EÚ x Æ Ω ΩË * x ]ı E«Ú ={ EÚÆ h  EÚ I i EÚ EÚ EÚÆ x E Ú ± B V ± h J +   V «+Æ ]ı «± M x V Ë EÚ<«GÚ EÚ Æ«<«ƒ EÚ M <»* J +± M EÚ Æ EÚx E Ú ± B ± M i Æ EÚx ŒC]ı ]ı +  V Z Æ Ω J +  EÚ ]ı ( B B ]ı ) ={ ± v EÚÆ M * x ]ı E«Ú E Ú x π{ n x  v Æ ± x + ËÆ B Bx B± E Ú S Ëx ± Æ Â EÚ EÚ EÚÆ x E Ú ± B J +  EÚ x EÚ]ıi Ω Æ Ω x xn (EËÚ{ ) EÚ Æ ]ı EÚ M * x ]ı E«Ú EÚ <Æ +]ËıEÚ Ω x ± { Æ S ± x M i V J  S x E Ú ± B + ËÆ <Æ Ï «{ h «Æ I x Œ S i EÚÆ x Ω i x ]ı Cb«W Æ Â, ]Ëıhb +± x { Â, B ± Ë{ ]ı Ï{  B <«{ x EÚ Bh]ı <Æ EÚ =z i EÚÆ h l { i EÚ M * 7.2 ËEÚŒ±{ EÚ i Æ h S Ëx ± 31 S «2010 E Ú +x Æ ÈEÚ E Ú B ]ı B x ]ı E«Ú Â Ï Ú <«]ı B ]ı B Ω i 726 B ]ı B ΩË * ÈEÚ EÚ E ÚÆ ±  611 B ]ı B  EÚ x ]ı E«Ú, Æ V  c B]ı B x ]ı E«Ú ΩË * B ]ı B, ] ı]ı ÈEÚ Ω B]ı B x ]ı E«Ú E Ú ± M M 21,500 B ]ı B  E Ú l x ]ı Cb«ΩË * Æ i - n x x EÚn + Ω Æ h E Ú + i Æ HÚ, ] ı]ı ÈEÚ Ω E Ú O Ω EÚ B ]ı B EÚ ={ M EÚÆ Ω E Ú +xi M «i Ø. 50,000/- i EÚ x v  EÚ + i Æ h (EÚ b«eú b«+ i Æ h ) EÚÆ EÚi ΩÈ * 6.8 A Liability Central Processing Centre has been established in Thiruvananthapuram to provide back office support to branches, in opening and servicing of liability accounts such as Savings Bank and Current Deposit Accounts. The Centre will provide to branches pre-generated Welcome Kits consisting of ATM cards and cheque books, facilitating the customers to open and operate the accounts within a short span of time. 7. Information Technology - Technology Upgradation & IT Initiatives 7.1 With the Core Banking Solutions implemented across all the branches of the bank including the newly opened branches, IT department is playing a key role in facilitating corporate innovation and growth. In order to minimize damage to network equipment, several proactive actions were taken such as installing Surge arresters in lightning prone branches. Branches having frequent connectivity issues were provided with VSAT to prevent branch isolation. Branches were rerouted to nearest City Aggregation Points (CAP) to improve network performance and reduce BSNL channel charges. The upgraded version of Antivirus named SEP is installed in all the networked users, standalone PCs & Laptops to protect the Network from operational risks due to the virus attacks and to ensure full protection against virus/ worms. 7.2 Alternative Delivery Channels The Bank has 726 ATMs as on 31st March 2010, including 222 offsite ATMs. The Bank s network of 611 ATMs in Kerala is the largest in the state. All ATMs are networked with State Bank Group ATM Network of over 21,500 ATMs. In addition to withdrawal of cash round the clock, State Bank Group customers can transfer funds up to Rs.50,000/- to accounts within the Group (Card to Card Transfer) using ATM.

31 am v 31- \v e -amwv _m ns Im Uv ASn-Ød (Base) ap h jm-h-km- \sø \ne-tb- mƒ ix-am\w h - \-hm-wnxv kqnn- n- p- -Xv. kpo-h-amb Im Up-I-fpsS FÆw samøw {]h Ø-\- -a-amb tkhnwkvkv _m v A u- p-ifpss ix-am\w hcpw. \S p h jw F.-Sn.-F-Ωp-I-fnse i-cm-icn ln p-i-fpss FÆw 262 BWv. F.-Sn.-F-Ωp- I-fpsS {]h Ø\ ax Imebfhn ixam\ambncp p. Cu h jøn F.-Sn.-FΩpIfneqsS e w CS]mSpIfnembn cp. 12,280 timsn ]n hen s n p v. CXn\p ]pdsa hym]mc ÿm]\ßfnse 4.86 e w ]n.hm.fkv CS]mSpIfneqsS cq. 106 timsn ssiam w snøs p. h nx aqey CS]mSpIm v th n, IqSnb ]n hen ]cn[nbp A t±iob hnk tkmƒuv Im Uv ]pdønd n. C s\ v _m nmv: kui-cy-{]-zhpw Imcy- -a-hp-amb sf.-f.-_n. kui-cy-amwv _m v {]Zm\w snøp- -Xv. C s\ v _m nmv D]-t`m- m- ƒ v kpc G s - Sp-Øp- -Xn-\mbn \ne-hn-ep _n v SSL (skiyq Uv tkm v seb ) F {In- ]vj 256 _n v DVSSL (F-Ivà UUv hmentu-j skiyq Uv tkm v seb ) F {In-]vj-\m n Db Øn. _Z \n hl-w-am K-ß-fn-te- p CS-]m-Sp-Im-cpsS am -Øn\v ap nb ]cn-k-w\ \ In-h-cp- p am v 31- \v C s\ v _m nmv CS-]m- Sp-Im-cpsS FÆw 1.60 e -am-bn-cp- Xv 2010 am v 31- \v 2.67 e -ambn h n- p. C s\ v _m n-ßn-eqss \S CS-]m-Sp- Ifpw Ah-bpsS aqeyhpw bym-{iaw ix-am-\hpw ix-am-\hpw h -\hv tcj-s -Sp-Øn. C s\ v _m nmv kuicyw {]ap-j-amb Kh sa v Sp IÃ-a (G2C) _nkn-\ v Sp _nkn-\ v (B2B) CS-]m-Sp-Iƒ v hgn-sbm-cp- n sk]v w-_-dn \S- m- nb ticf kwÿm\ k m-cns Ita-gvky \nipxn Hm sse\mbn AS-bv m- G s - Sp-Ønb kuicyw Hcp \mgn-i- - m-bn-cp- p. CtX-Øp-S v 2010 s^{_p-h-cn-bn alm-cmjv{s kwÿm\ k m Itagvky \nip-xn-bpss Hm sse hgn ASbv m-\p kui-cy-ta s -Sp-Øn s^{_p-h-cn-bn _m ns Hm sse ssk n-eqss F.-]n.-kn.-F- n\v kπ-b t]bvsa v kuicyw A\p-h-Zn- p. _m n A u- p-ff tim -td v CS-]m-Sp-Im v 31 S «2010 E Ú +x Æ, ÈEÚ E Ú { ± J EÚ B]ı B Ω b ]ı EÚ b«ωë, V M i π «EÚ Œ{i EÚ Œ l i 21.40% fi r n «i ΩË * GÚ EÚ b Á EÚ E Ú± J, E Ú± { Æ S ± x M i S i ÈEÚ J i  EÚ 96.13% ΩË * I v x + v E Ú n ËÆ x B ]ı B EÚ Ω ] ı EÚ + Ë i J 262 ΩË * ÈEÚ EÚ B ]ı B +{ ]ı < π « E Ú n ËÆ x 94.86% Æ Ω ΩË * π «E Ú n ËÆ x EÚB M B B ]ı B ± x n x  EÚ E Ú± J ± J l, V  Ø. 12,280 EÚÆ c EÚ Æ ± {i l * π «E Ú n ËÆ x { + B ({ <»]ı + Ï Ú ± ) ± x n x  EÚ E Ú± J 4.86 ± J l, V  Ø.106 EÚÆ c Æ ± {i l * =SS x ± ± i O Ω EÚ Â E Ú ± l «i n x x EÚn + Ω Æ h E Ú ± B =SS + v EÚi HÚ {± Ë]ı Ú «{ Æ EÚ «Æ i BEÚ +xi Æ «π] ı B ]ı B Ω b ]ı EÚ b«m ±b EÚ b«+ Æ EÚ M l * <h]ıæ x ]ı ÈÀEÚM - ÈEÚ BEÚ v V x EÚ I <h]ıæ x ]ı ÈÀEÚM v n x EÚÆ i ΩË * <h]ıæ x ]ı ÈÀEÚM O Ω EÚ Â EÚ + v EÚ Æ I n x EÚÆ i Ω i t x 128 ]ı B B B± ( C b«e Ú]ı ± Æ ) Bx GÚ{ x EÚ g EÚÆ 256 ]ı <«B B B± (BC ]Âıb b Ë ± b x C b«e Ú]ı ± Æ ) Bx GÚ{ x  EÚÆ n M * <h]ıæ x ]ı ÈÀEÚM O Ω EÚ Â EÚ E Ú± J 31 S «2009 E Ú +x Æ Œ l i 1.60 ± J g EÚÆ 31 S «2010  2.67 ± J Ω M <«* <h]ıæ x ]ı ÈÀEÚM E Ú v Ω B ± x n x  EÚ J + ËÆ ± x n x  E Ú ±  π «n Æ π «+ v Æ { Æ fi r GÚ & % + ËÆ % Æ Ω * <h]ıæ x ]ı ÈÀEÚM v x +i i, Ω i { h «Æ EÚ Æ O Ω EÚ (V 2 ) i l EÚ Æ Æ EÚ Æ Æ ( 2Ú ) ± x n x  EÚ v x n ΩË * i Æ 2009 Ω Â + Æ EÚ M E ÚÆ ± Æ V Æ EÚ Æ E Ú h ŒV EÚ EÚÆ E Ú + Ïx ± <x M i x BEÚ B i Ω EÚ P ]ıx l * < E Ú n ÚÆ Æ 2010 Ω Â Ω Æ π] ı Æ V Æ EÚ Æ E Ú h ŒV EÚ EÚÆ EÚ + Ïx ± <x M i x + Æ EÚ M * ÚÆ Æ 2010 Ω Â Ω xn i x { ] ı ± EÚ Æ { Æ x ±. (BS { B± ) Ω i The Bank has an ATM-cum-Debit card base of lac as on 31st March 2010, which represents an increase of 21.40% over the position as at the end of the previous year. The total number of active cards constitutes 96.13% of the total operative Savings Bank accounts. The average number of hits of the ATMs during the period under review is 262. The Bank s ATM uptime is 94.86% during The total number of ATM transactions put through during the year was lac involving a sum of Rs.12,280 crore. The total number of POS (Point of Sale) transactions during the year was 4.86 lac involving a sum of Rs.106 crore. VISA Gold Card - an International ATM cum Debit card working on VISA platform with higher maximum limit on daily cash withdrawal - was introduced for the benefit of High Networth customers. Internet Banking - The Bank offers a convenient and efficient Internet Banking [INB] facility. Existing 128 bit SSL (Secured Socket Layer) Encryption has been enhanced to 256 bit EVSSL (Extended Validation Secured Socket Layer) Encryption, to provide more security to INB customers. The total number of INB customers increased from 1.60 lac as on 31st March 2009 to 2.67 lac as on 31st March The number of transactions and value of transactions put through Internet Banking increased by % and % respectively on year-on-year basis. The Internet Banking facility has also enabled very significant Government to Customer [G2C] and Business to Business [B2B] transactions. The online payment of Commercial Tax of Kerala State Government introduced in the month of September 2009 was a landmark event. This was followed by Online payment of Commercial Tax of Maharashtra State Government introduced in the month of February Supplier Payment has been enabled for Hindustan Petroleum Corporation Ltd., [HPCL] in the month of

32 32 (hn-x-c-w- m v) F v.-]n.-kn.-f- ns sxcs -SpØ A u- p-i-fn-te v se kπ-b t]bvsa v hgn ]Ww AS-bv m Ign-bpw Pqsse 25- -\mwv as mcp _Z \n hlw am K-amb samss_ _m nwkv k hokv (Fw.-_n.-F-kv) Bcw-`n- -Xv. sk t^m t]mse-bp D]-I-c-W-ß-fneqsS _m nwkv CS-]m-Sp-Ifpw / CXc CS- ]m-sp-ifpw \S-Øp-I-bmWv Cu kwhn-[m-\- Øn-eqsS snøp- -Xv. _m ns CS-]m-Sp- Im v kpc- n-x-hpw, thk-ønepw kuicy-{]-z-hp-ambn _m nwkv CS-]m-Sp-Iƒ {]Zm\w snøp- - -Xn-\p Hcp am K-amWv samss_ _m nw-kv. Hcp Znhkw samss_ _m nwkv tkh\w aptj\ {Sm kv^ snømhp XpI 50,000 cq]bpw {Ibhn{Ib߃ mbp amk]cn[n 2,50,000 cq]bpamwv. _m nwkv kwhn-[m\w D]-t`m- m- ƒ v IqSp-X D]-tbm-K-{]-Z-am- p- -Xn-\mbn Ht sd aqey-h nx tkh\ kwhn-[m-\- ߃ hni-kn n-s -Sp- p-i-bp- m-bn. Ch Xmsg- -d-bp- p. tim -td v t]bvsa v tk vth tim _m nw-kn-eq-ssbpw NEFT eqssbpw ]W-a-b- m klm-bn- p Cu sh_v- -A-[njvTnX ]mt Pv _m v kz -ambn hni-kn- n-s -Sp-Øp. C -tsm- U_vƒ ^mivs HmX n-t -j-\n-eq-ss tim -td v CS-]m-Sp- Im p C s\ v sh_v C s^bvkv hni-kn- n-s -Sp-Øp. Bt m su_n v s^kn-en n ticf hm AtXm-dn n (KWA), Non-Keralites Welfare Board XpS-ßnbhbnse CS-]m-Sp-Im v ]Xnhmbn _n -S-bv p- -Xn\pw a p-ambn Xbm-dm- n-bncn- p ]mt Pv BWn-Xv. Cu kuicyw D]-tbm-Kn- p- -Xn-\mbn CS-]m-Sp-Im \n tzi-߃ _m n-s -b-spøv cpnkv sntø- -Xp- v. _n AS-bvt XobXn FØp-tºmƒ _m v ]W-a-S-bv pw. SBI tk vthbn-eq-ss-bp Auto SMS Generation: {]hmkn CS-]m-Sp-Im v SMS hgn hnh-c-w-߃ Adn-bn- p- -Xn-\mbn tã v _m v Hm^v C y-bpss SMS skmeyq-j \S- m- n-. hmbv]-i-fpss Xncn- -Shv XobXn Adn-bn- p- Xpw a pw Ct mƒ Cu am K- Øn-eq-sS-bm-Wv. Cu kwhn-[m\w hfsc sne-hp-ipd- Xpw Bhiym\pkcWw hni-kn- n- m-hp- -Xp-am-Wv. + { Ãi EÚi «M i x EÚ v V x EÚ x M * ÈEÚ E Ú l J i ± EÚ { ÊÆ ]ı O Ω EÚ (b ± Æ ) + BS { B± E Ú S x xn J i  EÚ + Ïx ± <x π h EÚÆ EÚi ΩÈ * ÈÀEÚM ± x n x /M ËÆ - k ± x n x EÚÆ x Ω i n Æ ËEÚŒ±{ EÚ S Ëx ± <± ÈÀEÚM (B B ) 25 V ± <«2009 EÚ + Æ EÚ M <«* Ω O Ω EÚ Â EÚ ÈÀEÚM ± x n x Â Ω i n Æ S Ëx ± ={ ± v EÚÆ x Â Ω i EÚÆ i ΩË, V EÚ Æ I i, i W B v V x EÚ ΩË * B B ± x n x E Ú ± B në x EÚ Ø. 50,000/- ΩË + ËÆ Ω në x EÚ E Ú± x v + i Æ h B Ø. 2,50,000/- EÚ O EËÚ± hb Æ EÚ E Ú +xn Æ ± EÚ J Æ n B Bƒ v ± x n x  E Ú ± B ΩË * O Ω EÚ Â E Ú ± B h ± EÚ + ËÆ + v EÚ ={ M x x E Ú ± B +x EÚ ± V i +x M  EÚ EÚ EÚ M * <  x x ± ΩË * EÚ { ÊÆ ]ı { h]ı M ]ı - P Æ ± i ËÆ { Æ + v Æ i { ËE ÚV EÚ EÚ EÚ M V EÚ { ÊÆ ]ı E Ú ± B EÚ Æ ÈÀEÚM B x }]ı (Bx <«B Ú ]ı ) E Ú v M i x EÚÆx v V x EÚ Ω M ΩË * <«-]ı EÚx b ± ËÚC]ıÆ + Ïl  ]ıe Ú x EÚ ={ M EÚÆ i Ω B EÚ { ÊÆ ]ı W Æ Â E Ú ± B <h]ıæ x ]ı <h]ıæ Ú EÚ EÚ EÚ M * + ]ı b ]ı v - E ÚÆ ± V ± v EÚÆ h (E Ú b ± B), x Ïx E ÚÆ ± <] ı ± ÚÆ b«v Ë EÚ { ÊÆ ] ı E Ú x i ± M i x EÚ v V x EÚ x x E Ú ± B EÚ i + ËÆ ± M EÚÆ x E Ú ± B i Ë Æ { ËE ÚV * O Ω EÚ Â EÚ ÈEÚ E Ú l +{ x + v n ( Ëx b ]ı) n V «EÚÆ x Ω M i EÚ ÈEÚ, n i l { Æ ±  EÚ M i x EÚÆ M * B + <«M ]ı E Ú v + ]ı B B B =i{ z EÚÆ x : Æ i ] ı]ı ÈEÚ u Æ i i B B B ± x EÚ Bx + Æ + <«O Ω EÚ Â EÚ B B B G Ú b ]ı B± ]«=i{ z EÚÆ x i l +x February Corporate customers (dealers) having accounts with the Bank can now remit online to HPCL s selected accounts. Mobile Banking Service (MBS), another alternative channel for banking/non-financial transactions, was started on 25th July This helps the Bank to provide the customers with another channel for banking transactions, which is safe, secure, fast and convenient. The daily limit for MBS transaction is Rs.50,000 for aggregate of funds transfer & transactions involving purchase of goods & services within an overall calendar month limit of Rs.2,50,000. Several value added applications were developed to make the system more useful to the customers. These include: Corporate Payment Gateway a Web based package - is developed in-house enabling Corporate to make payments through core banking and NEFT. Internet Web Interface for corporate users was developed using e-token double factor authentication. Auto Debit Facility, a package developed and ready for implementation to facilitate the regular bill payments of corporates such as Kerala Water Authority (KWA), Non Keralites Welfare Board etc. The mandates have to be registered by the customer with the Bank to enable the payment of bills on due date. Reaching out across the oceans... SBT Xpress Remit for online money remittance from US & UK in association with SBI Global Link Services

33 33 IqSp-X ku-lr-z-]-chpw Imcy- -ahpw B p- -Xn-\p-th n \S- p-h jw _m ns sh_vssk v ]cn-jvi-cn- p. sh_v- -A-[n-jvTnX hmbv]m At]- mt^mw hnikn- n-s -Sp- pibpw CXn\v tlmw t]pn en pw \ In-bn- p- v. D]-t`m- m- ƒ v Cu sh_vssk-d-dn-eqss t\cn v `h-\-hm-bv], hnzym-`ymk hmbv], sndp-in-s- -C-S-Øcw kwcw-`-i p-ff hmbv], Im jni hmbv] XpS-ßn-b-hbv v th n At] ka n- m-hp- -Xm-Wv. {]my-ani ]cn-tim-[\ \SØn _ -s imj-i-fn-te v Ab p- -Xn-\mbn Ah Xncp-h-\- -]pcw sluv Hm^o-knse tem sk n-te v Abbv m th hyh-ÿ-iƒ tkm^v p-shb-dn \ In-bn- p- v. CS-]m-Sp-Im, imj- Iƒ, hmbv] ssiimcyw snøp sk F nh v C -sa-bn ÿnxnhn-hc dnt m p-iƒ kzb-tah Ab- p-sim-sp- pw. 8. eouv _m v ] Xn 8.1 tic-f-ønse Be- p-g, tim -bw, ]Ø- \w-xn F o aq p Pn -I-fn _m v eouv _m v Npa-Xe hln- p- p h jsø Pn m hmbv]m-]- Xn-Iƒ bym-kabw t\xr-pn- -I-fn Bcw-`n- p. dnk hv _m v am K-\n tz-i-a-\p-k-cn v t\xr-pn- -Ifnse F m tªm p-i-fnepw hnhn[ Xcw tbmk-߃ kwl-sn- n- p-i-bp- m-bn. t\xr-pn- -I-fnse e y-an- n-cn- p hnhn[ hn`m-k-߃ p-th n \ΩpsS _m v, kwcw- `I hni-k-\-]- -Xn, I j-i-tbm-kw, πm am-cpss tbmkw XpS-ßnb hnhn[ hni-k-\-]-cn-]m-sn-iƒ kwl-sn- n- p. 8.2 ta ]cm-a in aq p Pn -I-fn-tebpw F m kmº-øni ÿm]-\-ßfpw IqSn ap K-W\m hn`m-k-߃ p \ Inb hmbv] timsn cq]-bm-wv. AXn \ΩpsS _m ns hnlnxw timsn cq]- -bm-bn-cp- p h jtøbv v Cu aq p Pn -Iƒ p-ambn ap K- W\m hmbv]m hn`m-k-øn\p Iogn {]Xo- n p hmbv]m-hn-x-cww F m [\-Imcy-ÿm-]-\-ß-fn-ep-ambn timsn cq]- bm-wv. AXn _m ns hnlnxw timsn cq]-bm-wv. AXm-bXv samøw hmbv] AS- -ens 22 ix-am-\w. xn n x E Ú ± B ± M EÚ M  + n EÚ EÚ i n S x + V EÚ± x B S Ëx ± E Ú v n V Æ Ω ΩË, V EÚ EÚ Ú i + ËÆ + Æ ΩË * π «E Ú n ËÆ x ÈEÚ E Ú <]ı EÚ + ËÆ + v EÚ EÚ «I W Æ ÂÚb ± x x E Ú ± B <«]ı  v Æ EÚ M * BEÚ + v Æ i + Ïx ± +x Æ v { ËE ÚV EÚ i EÚ M + ËÆ Ω { V V c n M * O Ω EÚ < <]ı E Ú v B B <«B EfiÚ Â Ω i v + n x EÚÆ EÚi ΩÈ * Æ EÚ I Ω i v x EÚ «± E EÚI EÚ + n x V x i l + M E Ú EÚÆ h Ω i = v i J +  EÚ π i EÚÆ x E Ú ± B Ï}]ı Æ Â + EÚ v x n B M B ΩÈ * 8. +O h ÈEÚ V x 8.1 ÈEÚ E ÚÆ ± Æ V E Ú i x W ±  x + ± {{ π, EÚ ] ı]ı + ËÆ { k x i ] ı]ı  +O h ÈEÚ EÚ v i EÚ x «Ω EÚÆ Æ Ω ΩË * π « E Ú ± B V V x B +O h V ±   { Æ + Æ EÚ M <«l * +O h V ±  E Ú ± ÏEÚ Â Â v + x «Ë`ˆEÂÚ Æ i Æ W «ÈEÚ E Ú n x nê  E Ú +x Æ + V i EÚ M < «* ÈEÚ x +O h V ±   z ± I i Ω Â E Ú ± B +x EÚ EÚ EÚ «GÚ V Ë =t EÚ EÚ «GÚ, EÚ x  EÚ Ë`ˆEÂÚ + ËÆ Æ { EÚ Â EÚ Ë`ˆEÂÚ + Æ EÚ l * 8.2 π « E Ú n ËÆ x i x +O h W ±   k l x  u Æ l EÚi {i I j E Ú +xi M «i E Ú± { Æ Ø. 8, EÚÆ c l V  ÈEÚ EÚ + Ø. 1, EÚÆ c Æ Ω * k l +  u Æ π « E Ú ± B <x i x W ±   l EÚi {i I j + O  E Ú + i M «i +x x i i Æ h Ø.13, EÚÆ c ΩË V  ÈEÚ EÚ Æ Ø.3, EÚÆ c ΩË V { Æ EÚ 22% ΩË * Auto SMS generation through SBI gateway: The SMS Solution offered by State Bank of India has been implemented for generating SMS Credit alerts and other communications to NRI Customers. Installment due intimation on loans etc are now routed through the new channel, which is very cost effective and scalable. The Bank s website was revamped during the year to make it more efficient and userfriendly. A web based online loan request package has been developed and linked from the homepage. Customers can directly apply for the Housing loan, Education loan, SME and Agriculture Loans through this website. Necessary provisions are given in the software for routing the application to Loan Cell at Head Office for preliminary scrutiny and for forwarding it to the respective branch for further processing. 8. Lead Bank Scheme 8.1 The Bank is shouldering Lead Bank responsibilities in three districts of Kerala State viz. Alappuzha, Kottayam and Pathanamthitta. The District Credit Plans for the year were launched in the Lead Districts well in time. The various mandatory meetings in all the blocks of the Lead Districts were conducted strictly in accordance with the guidelines issued by RBI. The Bank had initiated several developmental programmes like Entrepreneur Development Programmes, Farmers Meet and Planters Meet for different target groups in the Lead Districts. 8.2 The total outlay under Priority Sector by all financial institutions in the three Lead Districts for was Rs.8, crore of which the Bank s share was Rs.1, crore. The estimated disbursement under Priority Sector advances in these three districts for the year by all financial institutions is Rs.13, crore of which the Bank s share is Rs.3, crore, which constitutes 22% of the outlay.

34 34 9. kmº-øni Dƒs -Sp-Ø 9.1-km-º-ØnI tkh-\-ß-fpss Bgw Iq en-eq-ssbpw hnim-e-am- -en-eq-ssbpw D kmº-øni Dƒ -Sp-Ø-emWv C y _m nwkv taje t\cn-sp apjy sh p-hnfn-i-fn-sem- v. kmº-øni tkh-\ßfn \n v Hgn-hm- -s - n-cn- p _lp-`q-cn- ] w hcp ]mh-s - -h pw Xmgv hcpam-\- m pw Cu tkh-\-߃ Xmßm-hp sne-hn FØn- pi F -XmWv kmº- ØnI Dƒs -Sp-Ø sim v A Y-am- p- -Xv. kmaq-lni Dƒs -Sp-Ø ssih-cn- m kmº-øni Dƒs -Sp-Ø t\ts- Xv Bh-iy-am-sW v Icp-X-s -Sp- p. CXp-ambn _ -s dnk hv _m v Hm^v C y-bpss am K-\n tzi-ß-tfmsv {]Xn-I-cn- p-sim v ASpØ aq p-h jw sim p \S- m- mhp Hcp kmº-øni Dƒs -Sp-Ø ] Xn Xbm-dm- n-bn- p- v. _nkn-\ v πm\p-i-fpss Ahn-`m-Py-L-S-I-ambn kmº-øni Dƒs -Sp- Ø ] -Xn v Xmsg- -d-bp apjy e yß-fm-wp- -Xv. \ne-hn-ep Hu]-Nm-cnI hmbv]m-hn-x-cw kwhn-[m-\-øn-\-i-øp-\n- p-sim v sa -s - Sp-Ø-ep-Iƒ \S- m- p-i. hmbv] Dƒs m- m-\p Imcy-tijn h n- n- p- -Xn-\p- \S]-Sn-Iƒ \n tz-in- pi {]txy-in pw {KmaoW P\-X-bn. ^e-{]-z-amb FØn-s -S-en-\p-th ]pxnb amxr-i-iƒ Bhn-jvI-cn- p-i. kmt -Xn-I-hn-Zym-[n-jvTn-X-amb ]cn-lm-cam K-߃ v Du kmº-øni Dƒs -Sp-Ø-en\v IqSp-X Du \ Ip- -Xn-\mbn t_m Uv AwKo- I-cn-, ]q W txmxn-ep kmº-øn-i Dƒs -Sp-Ø ] Xn ASpØ aq p h jßfnembn \S- m- p- -Xm-Wv. ] -Xn-bpsS \S-Øn v \nco- n- p- -Xn-\mbn _m v ko\n-b amt\-pvsa v t{kun-ep Hcp Hm^o-kdpsS Iogn {]txyi kmº- ØnI Dƒs -Sp-Ø hn`mkw cq]o-i-cn- n-cn- p-i-bm-wv. 9.2 \S ph jw 1,98,558 P\{]nb t\m{^n kv A u piƒ Bcw`n Xpƒ s ss _m ns t\m{^n kv A u p Iƒ 10 e w Ihn v Bbn. ticf kwÿm-\-ønse F m s]mxp-ta-jem _m p-ifpw IqSn-t p XpS-ßnb A u- 9. k +xi Ê x 9.1 k +  EÚ M Ω x i + ËÆ { EÚi E Ú v k +xi Ê x EÚÆ x, Æ i ÈÀEÚM I j E Ú I BEÚ J S x Ëi ΩË * k +xi Ê x, Ω x EÚÆ x M ± M i { Æ =x S i  B x x + M «E Ú ± M  EÚ k  ={ ± v EÚÆ x ΩË * k +xi Ê x EÚ Œ{i, V EÚ +xi Ê x  v Æ EÚÆ x + ËÆ {i EÚÆ x Ω i + EÚ Z M ΩË * < v Â Æ i Æ W «ÈEÚ E Ú x n  EÚ i GÚ E Ú {  ÈEÚ x BEÚ k +xi Ê x V x x <«ΩË V EÚ +M ± i x π Á i EÚ { Æ EÚ V BM * k +xi Ê x EÚ Ω V x EÚ Æ Æ V x +  EÚ + z + M Ω M, V  x x ± J i J =q Ω Ë : t x + Ë{ S Æ i Æ h i j  v Æ ± x π EÚÆ O h ± M  E Ú J { x EÚ I i  v Æ Ω i ={ Z x ± f M { Ω ƒ S Ω i x B Ïb ± EÚ i EÚÆ x Ët M EÚ + v Æ i v x { Æ ± Æ V EÚÆ x +M ± i x π Á Ω i b«u Æ +x n i < { h «k +xi Ê x V x EÚ k +xi Ê x { Æ + v EÚ ± n x E Ú ± B ± M EÚ V BM * ÈEÚ x V x EÚ x M Æ x + ËÆ EÚ «x x Ω i Æ π`ˆı v x h E Ú + v EÚ Æ E Ú x i fii  BEÚ { fil EÚ k +xi Ê x M EÚ l { x EÚ ΩË * 9.2 ÈEÚ x V x x Ú± i v J i  EÚ ± x E«Ú EÚ J EÚ { Æ EÚÆ i Ω B π «E Ú n ËÆ x B 1,98,558 J i J ± V x Ú± J i  EÚ J 10,10,978 Ω M <«* Ω E ÚÆ ± Æ V  «V x EÚ I j E Ú ÈEÚ Â u Æ J ± M B J i  EÚ J EÚ ± M M 45% ΩË * Ω i Ω Â, HÚ n i Ω Â + n EÚ J v Æ Â ± x E Ú W Æ B, ÈEÚ x 80,000 J i J ± * x b E Úb  ± M EÚ M <«] ıeú ]«ı EÚ b«{ Æ V x EÚ i Æ +x E Úxp   EÚ V BM * 9. Financial Inclusion 9.1 Financial Inclusion through deepening and widening of financial services is one of the key challenges before the Indian Banking sector. Financial inclusion is the delivery of financial services at an affordable cost to the vast sections of disadvantaged and lowincome group. Achieving financial inclusion is seen necessary to improve and achieve social inclusion. In response to the RBI s directives, the Bank has formulated a Financial Inclusion Plan to be rolled out over the next three years. This plan for Financial Inclusion will be an integral part of the business plans with the following key objectives: Effecting improvements within the existing formal credit delivery mechanism. Suggesting measures for improving credit absorption capacity especially among rural folk. Evolving new models for effective outreach Leveraging on technology based solutions. The Bank proposes to implement this fullfledged Financial Inclusion Plan, approved by the Board, over the next three years. The Bank has set up a separate Financial Inclusion Department to monitor and implement the plan, headed by an officer in Senior Management grade. 9.2 The Bank crossed the Million mark in Janapriya No-frills accounts, opening 1,98,558 such accounts during the year to reach 10,10,978 accounts. These constitute about 45% of the total number of accounts opened by all public sector banks in the state of Kerala. By way of mainstreaming Self Help Groups, Joint Liability Groups, etc, the Bank has opened 80,000 accounts. Biometric Smart Card pilot project, implemented in Nedumkandam under a

35 35 p-i-fpss 45 ix-am\w hcp-an-xv. kzbw klm-b-kw-l-ß-tfbpw kwbp _m[yxm kwl-ß-sfbpw apjy-[m-cmh -cn- -Xn-eqsS _m v 80,000 A u- p- I-fmWv Xpd- -Xv. s\sp- - Øv \S- m- nb _nkn-\ v Id-kvt]m- v / _nkn-\kv s^kn-en-t - amxr-ibnep _tbm sa{sniv kvam v Im Uv ] Xn a p ÿeß-fn-te pw hym]n- n- p-w. 9.3 ^n\m jy en dkn, {IUn v Iu knenwkv, s{sbn\nwkv tim bw, Be pg, ]Ø\wXn F o eouv Unkv{SnIv pifn \S ph jw _m v aq v {KmaoW kzbwsxmgn ]cnioe\ ÿm]\ßfpw (RSETIs) ^n\m jy en dkn B v {IUn v Iu kenwkv ti{µßfpw ÿm]n p. hb\m n 2005 ÿm]n dqd ssat{im s{sbn\nwkv C ÃnSyq ns\ RSETI Bbn ]cnh Ø\w snbvxp. t\ w e yw h p kmºøni {]h Ø\߃ Gs Sp m kaq-l-ønse Xmsg nsbnep hsc s{sbn\nwkv \ In kpk cm pi hgn {KmaØnse kmºøni kmaqlni hnik\øn\v RSETIs klmbamipw. ]Ø\wXn bnepw hb\m nepambn 6382 t]sc RSETIs ]cnioe\w \ In. CXn 95 ixam\w kv{xoifmwv. 60 ixam\w ]cnioe\m nifpw _m ns hmbv]m klmbtømss kzbw sxmgn kwcw` ߃ XpSßn AXn hnpbn pibpw snbvxxmbn dnt m piƒ kqnn n p p. 10. hymh-km-bni ]p\-c-[n-hmkw 10.1 {]h Ø\-km-[y-X-bp ]ounx hyhkmb LS-I-ß-fpsS ]p\-cp- m-cww BkvXn-Iƒ ssiimcyw snøp- -Xn-\p-th- n-bp- _m ns \b-øn Dƒs -Sp- p. 27 bqwn- p-i-fn ]p\-c-[n-hmk / ]p\x-kw- L-S\m ]mt -Pp-Iƒ {]mh Øn-I-am- ns m- n-cn- p-i-bm-wv. CXns samøw hym]vxn (FB + NFB) timsn cq]-bm-wv. AXn timsn cq]-bpss samøw hmbv]-bp 11 bqwn- p-iƒ CDR kvioanepw timsn cq]-bpss samøw hmbv]-bp 15 bqwn- piv BIFR ] -Xnbnepw 0.66 timsn cq]-bpss Hcp bqwn v _m ns ] -Xn-bn-ep-am-Wv. 9.3 k I Æ { Æ «B I h ÈEÚ x π «E Ú n ËÆ x +{ x +O h V ±  l { k x i ] ı]ı, + ± {{ π B EÚ ] ı]ı  O h Æ V M Æ I h l x (+ Æ B < ]ı ) k I Æ i { Æ «E Úxp (B Ú B± ) l { i EÚ ΩÈ * π «2005  l { i x b O h I I h l x (b ± + Æ B ]ı + <«) + Æ B < ]ı  { Æ Ãi i EÚ M * + Æ B < ]ı + <«V E Ú S i M Á E Ú ± B EÚ I h n x Ω i O h I I h l x EÚ l { x EÚ i EÚ =x EÚ ± EÚ Æ + Ãl EÚ GÚ EÚ± { EÚÆ x  l «x E Ú* + Æ B < ]ı + <«E Ú x b B { k x i ] ı]ı  6,382 HÚ Â EÚ I i EÚ * <  95% ± M Ω ± ± O Ω ΩË * 60% I l ÈEÚ E Ω i Æ V M Æ =t + Æ EÚÆ x  ڱ Ω x EÚ S x ΩË * B Ú B± ]ı V n { «GÚ B Æ Œ EÚ S i  { Æ I EÚ Œ ± i EÚÆ i Ω B x ±EÚ k I Æ i / I { Æ «n x EÚÆ i ΩË * HÚ Â { Æ «n x EÚÆ i ΩË V + Ë{ S Æ EÚ / +l +x Ë{ S Æ EÚ k I j  E Ú +v O i ΩÈ * Ët M EÚ { x «10.1 ÈEÚ E Ú + Œ i v x v o Œπ]ıEÚ h  BEÚ Ω i { h «Æ h x i E Ú {  +l «I Ø Mh + Ët M EÚ <EÚ <«Â EÚ { x Ø il x EÚÆ x ± ΩË * Ø EÚÆ c E Ú E V J (BC { W Æ ) B Ú + Bx B Ú ) E Ú l 27 <EÚ <  E Ú v  { x «/ { x M «`ˆx { ËE ÚV EÚ «x x +v x ΩË * <x 27 <EÚ <«Â Â, 11 <EÚ <«ƒ Ø EÚÆ c E Ú BC { W Æ E Ú l b + Æ V x E Ú i Ω i ΩË, 15 <EÚ <«ƒ Ø EÚÆ c E Ú BC { W Æ E Ú l + <«B Ú + Æ V x E Ú i Ω i Ω Ë, i l 1 <EÚ <«Ø EÚÆ c E Ú BC { W Æ E Ú l ÈEÚ EÚ V x E Ú i Ω i ΩË * Business Correspondent / Facilitator Model, will be extended to the other centres. 9.3 Financial Literacy, Credit Counselling And Training The Bank has established Rural Self- Employment Training Institutes (RSETIs) and Financial Literacy and Credit Counselling Centres (FLCCs) during the year in its Lead Districts viz. Pathanamthitta, Alappuzha and Kottayam. The Wayanad Rural Micro Training Institute [WRMTI] established in 2005, was converted to an RSETI. The RSETIs will support the socio-economic development of the villages, by imparting vocational training to disadvantaged sections of the society to enable them to take up gainful economic activities. The RSETIs have trained 6,382 persons in Wynad and Pathanamthitta. 95% of the beneficiaries are women. 60% of the trainees are reported to be successful in starting self-employment ventures, with credit assistance from the Bank. The FLCCs provide free financial literacy/education and credit counseling, including education on responsible borrowing, proactive and early savings. They will also extend debt counseling to individuals who are indebted to formal and/or informal financial sectors. 10. Industrial Rehabilitation 10.1 Bank s approach to Asset Management includes revival of viable sick industrial units as an important strategy. Rehabilitation/Restructuring packages are under implementation in respect of 27 units with a total exposure (FB+NFB) of Rs crore. Out of these 27 units, 11 units are under CDR scheme with exposure of Rs crore, 15 units under BIFR scheme with exposure of Rs crore and 1 unit under Bank s scheme with exposure of Rs.0.66 crore.

36 \S- p-h jw Bdv A u- p-iƒ ]p\xkw-l-s-\-bv mbn CDR ] -Xn-bn-te v am nbn-cn- p-i-bm-wv. Cu Bdv A u- p-ifn c v A u- p-i-fpss ]p\x-kw-l- S\m ]mt Pv \S- n-em- n; a p- h hnhn[ ]cn-tim-[\m L -ß-fn-em-Wv. 11. \njv{inb BkvXn-Iƒ ssiimcyw snø 11.1 em`-km-[yx ap \n Øn BkvXn-IfpsS KpW-\n-e-hmcw sa -s -Sp-Øp-I-sb e y-tøm-ss, \njv{inb BkvXn-Ifpw (NPA), AUCIfpw ssiimcyw snøp- -Xn\pw Xncn- p-]n-sn- p- -Xn\pw _m v {]Ya ]cn-k- W\ \ Ip- p. D X A[n-Im-cn-Iƒ Cu BkvXn-Isf \nc- cw Ah-tem-I\w snbvxv XpS \-S-]-Sn-Iƒ ssis m- p- p. DRT tikp-iƒ aptj-\bpw se SARFAESI BIvSns hip- p-iƒ {]Im-chpw Xncn- p-]n-sn- {]{Inb \S-Øn-h-cp- p. _m ns HØp-Xo v ] Xn-b-\p-k-cn v temiv AZm-e-Øv, _m v AZm-eØv F n-hbn-eq-ssbpw kvs{skkvuv A - p-iƒ Xo m- m Du Pn-X-{iaw \S-Øp-I-bp- mbn. \njv{inb BkvXn-Iƒ ]cn-an-x-s -Sp-Øp- -Xn\v Ak vkv doi kv{s- Iº-\n- Iƒ v kvs{s vuv Ak- p-iƒ hn p- Ibpw snbvxp \njv{inb BkvXn-I-fpsS ix-am\w 2010 am v 31- \v samøw hmbv]-i-fpss 1.65 ix-am-\-am-bn-cp- p. \S- p-h jm-h-km-\sø \njv{inb BkvXn timsn cq]-bm-wv. hmbv]-i-fpss A -aq-ey-øn A \njv{inb BkvXn-I-fpsS ix-am\w Hcp h jw ap ]v 0.58 ix-am-\m-bn-cp- Xv 2010 am v 31- \v 0.91 ix-am-\-am-bn SME OTS-2009: 2009 sk]v w-_ 15\v XpS-ßnb Cu ] -Xn, 2009 am v 31- -HmsS kwi-bm-kv]z BkvXn-I-fmbn amdnb A u- p-i-fpss H -Ø-hW Xo m- -en- \p- -Xm-Wv. 25 e -Øn Xmsg IpSn-»nIbp A u- p-iƒ mwv Cu ] Xn _m[-iw. ] Xn {]Imcw Xncn- p-]n-sn XpI 1.16 timsn cq]-bm-wv. 12. B -cni \nb-{ W kwhn-[m-\hpw ta t\m- hpw 12.1 C -t{k- Uv dnkviv amt\-pvsa v _m n Hcp dnkviv amt\-pvsa v kwhn- [m\w \S- m- m-\p DØ-c-hm-ZnØw Ubd-IvS t_m Un-\p- v. B`y- -c-amb dnkviv amt\-pvsa v \bhpw X{ hpw Xocp-am-\n- p A Ivkv t_mun-bm-bmwv t_m Un\p Iogn-ep dnkviv amt\-pvsa v 10.2 π «E Ú n ËÆ x, UÙΩ J i { x M «`ˆx Ω i b + Æ EÚ x Ãn π]ı EÚB M B* <x UÙΩ J i   n J i Â Ω i { x M «`ˆx { ËE ÚV ± M EÚ M + ËÆ +x GÚ v x Ω Ë * 11. +x V «EÚ { Æ { k  EÚ v x 11.1 ÈEÚ, + Œ i  EÚ M h k + ËÆ ± n i  v Æ ± x E Ú =q Bx { B v x i l +x V «EÚ + Œ i  (Bx { B) + ËÆ ± J i  E Ú +xi M «i + O (B ) EÚ ± EÚ ÊSS l EÚi n x V Æ Æ J ΩË * π «xv x u Æ <x + Œ i  EÚ x Æ xi Æ I EÚ V i Æ Ω ΩË + Ë ËÆ z i Æ Â { Æ = EÚ +x i «x EÚ V i Æ Ω ΩË * b + Æ ]ı ±  EÚ x Æ xi Æ +x i «x u Æ + ËÆ Æ Ú B (B B + Æ B Ú B <«B + <«) + v x n E Ú v x  EÚ ± M EÚÆ i Ω B ± EÚ M <«i l ÈEÚ EÚ Z Ëi V x, ± EÚ +n ± i B ÈEÚ +n ± i E Ú v n O i + Œ i  EÚ ± / x { ]ı x E Ú EÚ EÚ { Æ V Æ Æ E Ú l EÚ M * 11.2 EÚ± + O  EÚ i ± x  EÚ± Bx { B EÚ i i 31 S «2010 E Ú +x Æ 1.65% Æ Ω V  EÚ± Bx { B i Æ Ø EÚÆ c l * 31 S «2010 E Ú +x Æ x ± + O  EÚ i ± x  x ± Bx { B EÚ i i M i π «E Ú 0.58% EÚ i ± x  0.91% Æ Ω * 11.3 B B <«+ ]ı B : B B <«J i V E Ú +x Æ n Mv J i x M Ω Ë, =x EÚ BEÚ Æ M x { ]ı x Ω i 15 i Æ 2009 EÚ BEÚ V x + Æ EÚ M <«l * Ω V x Ø. 25 ± J EÚ EÚ ± J i  { Æ ± M l * < V x E Ú +xi M «i Ø.1.16 EÚÆ c EÚ ± EÚ M <«* xi Æ EÚ x j h h ± ƒ B { «I h 12.1 BEÚ EfiÚi V J xv x ÈEÚ Â BEÚ HÚ V J v x f S l { i ΩË * ÈEÚ Â BEÚ V J v x h ± ± M EÚÆ x EÚ { Æ V n Æ b«eú ΩË * b«e Ú i Ω i, b«eú V J v x i (+ Æ B ), + i Æ EÚ V J v x E Ú ± B ={ HÚ x i + ËÆ Æ h x i 10.2 During the year, six accounts were referred to CDR scheme for restructuring. Out of these six accounts, restructuring packages for two accounts were implemented and others are under process. 11. Management of NPAs 11.1 The Bank continues to give topmost priority to NPA management and recovery of Non-Performing Assets (NPA) and Advance Under Collection (AUC) accounts, with a view to improving the asset quality and profitability. These assets have been frequently reviewed and followed up by the management functionaries at various levels. Recoveries are also made by constant follow-up of the DRT cases, and also by invoking the provisions of SARFAESI Act 2002 etc. Recovery/settlement of Stressed Assets through Compromise Scheme of the Bank, Lok Adalat and Bank Adalat was taken up vigorously The percentage of Gross NPAs to Gross Advances stood at 1.65% on 31st March 2010 with the Gross NPA level at Rs crore. The percentage of Net NPA to Net advances stood at 0.91% as on 31st March 2010 compared to 0.58%, a year ago SME OTS-2009: A scheme for one time settlement of SME accounts which had become doubtful asset as on , was introduced on September 15, The scheme was applicable to accounts with outstanding below Rs.25 lac. The recovery effected under the scheme was Rs.1.16 crore. 12. Internal Control Systems & Supervision 12.1 Integrated Risk Management The Bank has a robust Risk Management framework in place. The Board of Directors has the overall responsibility to implement a Risk Management System in the Bank. Under the Board, Risk Management Committee of the Board (RMCB) is the apex body to decide appropriate policy and strategy for internal risk management. Subordinated to RMCB, Credit Risk

37 37 IΩn n (RMCB) {]h Øn- p- -Xv. RMCB bv p Iogn Xmtg-Ø- n s{iun vv dnkviv amt\-pvsa v IΩn n (CRMC), am v dnkviv amt\-pvsa v IΩn n (MRMC) F nh bym- {Iaw s{iun v dnkviv, am v dnkviv, Hm td-j-w dnkviv F nh ssiimcyw snøp- p. P\-d amt\-p (P & D) BWv Npa-X-es No^v dnkviv Hm^o-k (CRO). kq va- X-e-Øn samø-øn-ep- {]Xn-Zn\ dnkviv ]cn-]m-e-\-øns Npa-Xe su]yq n P\-d amt\-p \bn- p Un m p-sa n-\m-wv ]n II \n_- -\-Iƒ -\p-k-cn- v _m ns Ct -W Iym]n- AUo-Izkn Ak- vsa v t{]mk v (ICAAP) tcj Xbmdm- p-ibpw dnk hv _m v Hm^v C ybv v ka n- p-ibpw snbvxn- p- v. Hm -td-j- W dnkviv t\cn-sp- -Xn-\mbn F m imj- I-fnepw bqk Un m p-sa p-i-fnepw _m v dnkviv B Uv I t{smƒ sk ^v Ak- vsa v (RCSA) ]q Øn-bm- n-bn- p- v kmº-øni h j-tømss Hm td-j-w dnkvins Ãm Um ssukvuv At{]m- n(tsa) te v amdp- -Xn-\p dnk hv _m v Hm^v C y-bpss \n_- -\- bpss `mk-ambn hcp-am-\-]m-x-isf 8 _nkn- \ v sse\p-i-fm- p am nwkv {]{Inb _m v ]q Øn-bm- n. AUzm kvuv saj sa v At{]m- ns \n_- -\-{]- Imcw Hm td-j-w dnkvins ]cn-]m-e-\- Øn-\mbn hnh-c-\jvsw I p-]n-sn- p- -Xn- \p sh_v- -A-[n-jvTnX tkm^v vshb ÿm]n- n- p- v BkvXn _m[yxm ssiimcyw snø dnk hv _m v Hm^v C ybpss am K-\n tzi-ß-f-\p-k-cn v 1999 G{]n 1 apx BkvXn-_m-[yXm ]cn-]m-e\ kwhn-[m\w \S m- n-bn- p v amt\-pnwkv Ub-d-IvS \bn- p BkvXn-_m-[yXm kanxn IrXy-ambn IqSm-dp- v. BkvXn-_m-[yXm kanxn Xmsg- -d-bp -h-bpss tã p-sa p-iƒ hni-z-ambn N -sn-øp p: kv{sivn-d enizn-un n B Uv C -dãv td v sk kn- n-hn- n, tjm v tsw ssu\m-aniv enizn-un- n, kvs{skv ssãnwkv Hmh enizn-un n B Uv C -d-ãv td- v, Izm en dnhyq Hm^v I n- P kn ^ nwkv πm, Uyqtd-j Kym]v A\m-en-kn-kv, A\m-en-knkv Hm^v C -dãv td v dnkviv ss_zn s{sun-j-w B Uv Uyqtd-j Kym]v satø-uvkv. _m ns s_ vam v ss{]w se UnwKv \nc v (BPLR) Dƒs -ss-bp hnhn[ ]eni \nc- p- Iƒ ]p\ \n W-bn- p- -Xn-s\- p-dn v N -sn-øp- Xpw Xocp-am-\-sa-Sp- p- Xpw BkvXn-_m-[yXm kan-xn-bm-wv. i EÚÆ x E Ú ± B π «x EÚ ΩË * + Æ B E Ú +v x V J v x i ( + Æ B ), W Æ V J v x i (B + Æ B ), + ËÆ { Æ S ± x i EÚ V J v x i (+ + Æ B ) UÙ ] ı i Æ { V J, W Æ V J + ËÆ { Æ S ± x i EÚ V J Œ l i EÚÆ x E Ú ± B ={ HÚ ΩË * Ω xv EÚ ( B ) EÚ J V J + v EÚ Æ ( + Æ + ) E Ú {  { n x i EÚ ΩË * ={ Ω xv EÚ E Ú x i fii  BEÚ EfiÚi V J xv x M I i Æ { Æ V J  E Ú i në x EÚ xv x E Ú ± B V n Æ ΩË * xi Æ EÚ { ƒv { «{i i GÚ (+ <«B B { ) n i V { ±± Æ -II EÚ + EÚi +  E Ú +x { i Ë Æ EÚ M + ËÆ Æ i Æ W «ÈEÚ EÚ i i EÚ M * ÈEÚ x J +  + ËÆ HÚ M   { Æ S ± x M i V J E Ú v x E Ú ± B V J B x j h ± EÚx { Æ EÚ ΩË * +M ± k π « i EÚ { Æ S ± x M i V J E Ú x EÚ EfiÚi o Œπ]ıEÚ h EÚ <O ]ı EÚÆ x EÚ i Ë Æ E Ú BEÚ M E Ú { Â, ÈEÚ x Æ i Æ W «ÈEÚ u Æ +x r +x Æ + ª i  EÚ + `ˆ EÚ Æ Æ ± <x   ˜{{ M EÚÆ x EÚ EÚ { Æ EÚÆ n ΩË * Œ i n i v x 1 + ˱ Œ i n i v x h ± Æ i Æ W «ÈEÚ u Æ x v «Æ i M «x nê  E Ú +x Æ EÚ «EÚÆ Æ Ω ΩË * xv x n EÚ u Æ x i fii EÚ V Æ Ω + Œ i n i i (B B± + ) EÚ Ë`ˆEÂÚ x i { Ω i Ω Ë * + Œ i n i i, Æ S x i EÚ S ± x v B V n Æ n x ± i, +±{ v M i ± S ± x v, S ± x v + ËÆ V n Æ { Æ n { Æ I h, + EÚŒ EÚi x v x V x EÚ i Ω I, + v { Æ EÚ ± π h, { Æ { Æ EÚ B + v { Æ EÚ { r i  u Æ V n Æ V J EÚ ± π h E Ú Æ h  { Æ i fii S S «EÚÆ i ΩË * +± EÚ (B B± + ) u Æ ÈEÚ EÚ + v Æ x x i =v Æ n Æ ( { B± + Æ ) E Ú v x Ω i z V n Æ v x { Æ S S «EÚ V i ΩË + ËÆ x h «± V i ΩË * Management Committee (CRMC), Market Risk Management Committee (MRMC) and Operational Risk Management Committee (ORMC) are in place to manage Credit Risk, Market Risk and Operational Risk respectively at the granular level. The General Manager (P&D) is designated as the Chief Risk Officer (CRO). The Integrated Risk Management Department headed by Deputy General Manager is responsible for the overall daily management of risks at micro level The Internal Capital Adequacy Assessment Process (ICAAP) document has been prepared in accordance with the Pillar-II requirements and has been submitted to RBI. The Bank has completed Risk and Control Self Assessment (RCSA) for the management of Operational Risk, in all the branches and user departments. As part of preparedness towards migrating to The Standardised Approach (TSA) of Operational Risk by the next FY , the Bank has completed the mapping of income streams into eight Business Lines as stipulated by RBI. A web based software has been installed to capture loss data for the management of Operational Risk as required under Advanced Measurement Approach Asset Liability Management The Asset Liability Management System implemented effective from April 1, 1999 is functioning as per the guidelines prescribed by Reserve Bank of India. The Asset Liability Committee (ALCO) headed by Managing Director meets regularly. The ALCO discusses in detail the statements of Structural Liquidity and Interest Rate Sensitivity, Short Term Dynamic Liquidity, Stress Testing on Liquidity and Interest Rate, Quarterly Review of Contingency Funding Plan, Duration Gap Analysis, Analysis of Interest Rate Risk by the Traditional and Duration Gap Methods. Various interest rate revisions including the revision of the Benchmark Prime Lending Rate (BPLR) of the Bank is discussed and decided by the ALCO.

38 am v dnte- Uv ^ vkv {Sm kv^ ss{]knwkv (MRFTP) ^e-{]-z-amb BkvXn-_m-[yXm ]cn-]m-e-\- Øn-\mbn aƒ n- nƒ {Sm kv^ ss{]kv t^m ape (MTPF) (2003 XpS-ßn-bXpw 2006 ]cn-jvi-cn- -Xpw) D]-tbm-Kn- p \ne-hnse {Sm kv^ ss{]knwkv sa m-\nk (TPM) Øn\v ]Icw 2009 G{]n 1 apx am v dnte- Uv ^ vkv {Sm kv^ ss{]knwkv (MRFTP) kwhn-[m\w G s -Sp- Øn. D - -hn-e-isf hn]-wn-hn-e-i-fp-ambn s_ vam v snøp-ihgn {]h Ø\ bqwn- p-i-fpss bym em`- -ax Adnbp- -Xn-\mbn cq]w-sim-sp-ø, imkv{xo-b-amb B -cni [\ssi-am aqey\n Æbkwhn-[m-\-amWv MRFTP. MRFTP bv p Iogn _m p-i-fpss em`- -a-x-sb- p-dn- p ÿnc-x-bp- Xpw \oxn-bp- -hp-amb Hcp Nn{X-amWv s] t^m a kv saj sa v kwhn-[m\w {]Xn-^en- n- p-i. _m ns D hne-bn-so \b-søbpw Cu kwhn-[m\w sa -s -Sp-Øp- p ]cn-tim-[-\bpw ta t\m- hpw sluv Hm^oknse ]cn-tim-[\m hn`m-kw _m nse BUn ns ]cn-tim-[\m {]] Ø\߃ GIoIcn p p. ÿnc-ambp B`y- c ]cn-tim-[\ IqSmsX sf.- F-kv. HmUn- v, A\p-]m-e\ HmUn-d-dv, ap -dnbn- n- mø ]cn-tim-[-\, tkmw Hm^o-kp- I-fp-sSbw sluv Hm^okv Un m p-sa p- I-fp-sSbpw knãw HmUn v F nh ]cn-tim- [\mhn`mkw \S-Øp- p ]cn-tim-[\m hn`m-k-ønse RBS sk hgn dnkviv ASn-ÿm-\-Øn-ep ta t\m- -Øn\v ^e-{]-z-amb ÿm]-\-]-c-amb kwhn- [m\w _m v {]h Ø-\ aam- n-bn- p- v G{]n 1 apx \nb-{ -Wm-[n-Imcn hn`m-h\w snbvx-xp-t]mse dnkviv t^m vkvuv Ct -W HmUn v (RFIA) _m v Ah-X-cn- n- p. dnkviv am\zfißfn \n pw _nkn-\ v am\zfi߃ th s]- Sp-Ø-s - p tim _m nwkv kwhn-[m-\-øn-te p ]cn-h Ø\w snbvx-xns ^e-am-bn, HmUn v dnt m ns cq]-ønepw, td nwkv k{º-zm-b-ønepw, imj-i-fpss Xcw-Xn-cn- kwhn-[m-\-ønepw, ]cn-tim-[-\-bpss Ime-b-f-hnepw am w hcpøn RFIA ]cn-jvicn- p. C kvs]-ivj Un m p-sa n C ^ ta-j knãwkv HmUn- v sk (sf.-f-kv. HmUn- v) cq]oicn p W Æ v x v + i Æ h ± x v «Æ h (B + Æ B Ú ]ı { ) + Œ i n i xv x EÚ v V x EÚ x x Ω i Ω v + i Æ h ± j (B ]ı { B Ú) EÚ ={ M EÚÆ i Ω B (2003  + Æ EÚ M + ËÆ 2006  `ˆ EÚ EÚ M ) t x + i Æ h ± - x v «Æ h i j (]ı { B ) E Ú l x { Æ 1 + ˱ 2009 W Æ v x v + i Æ h ± - x v «Æ h (B + Æ B Ú ]ı { ) EÚ i l { i EÚ M * B + Æ B Ú ]ı { BEÚ ËY x EÚ + xi Æ EÚ x v + i Æ h ± i j ΩË V EÚ EÚ =i{ n ±  EÚ W Æ n Æ Â { Æ + v Æ x i Ω B { Æ S ± x <EÚ <«Â EÚ Ω ± n i EÚ { i ± M x Ω i EÚ M * B + Æ B Ú ]ı { E Ú +xi M «i, x π{ n x { h ± J +  EÚ ± n i EÚ M i B Ú S j i Œ i EÚÆ i ΩË * Ω ÈEÚ EÚ =i{ n x ± - x v «Æ h x i  v Æ EÚÆ i ΩË * 12.5 x Æ I h + ËÆ { «I h v x EÚ «±  l { i x Æ I h M ÈEÚ E Ú ± J { Æ I B x Æ I h M i v  EÚ x x EÚÆ i ΩË * x i + i Æ EÚ x Æ I h  E Ú + i Æ HÚ, + <«B ± J { Æ I, +x { ± x ± J { Æ I + EÚŒ EÚ x Æ I h, + S ± EÚ EÚ «±  B v x EÚ «± E Ú M  + n EÚ h ± ± J { Æ I, x Æ I h M u Æ + V i EÚ V i ΩË * 12.6 ÈEÚ x x Æ I h M  + Æ B EÚI E Ú v V J + v Æ i { «I h E Ú ± B BEÚ ± l M i i j l { i EÚ ΩË * x EÚ u Æ { Æ EÚŒ±{ i +x Æ, ÈEÚ x + Æ B E Ú +xi M «i 1 + ˱ 2003 V J E ÚŒxp i + xi Æ EÚ ± J { Æ I + Æ EÚ, V  EÚ Æ Æ x n b  EÚ V J x n b  +± M EÚÆ n M * 12.7 EÚ Æ ÈÀEÚM h ± EÚ +{ x x E Ú l Ω, + Æ B Ú + <«B EÚ ± J { Æ I Æ { ]«ı {, h x v «Æ h i j, J +  EÚ Ω EÚÆ h, x Æ I h EÚ x x S x x n hb B x Æ I h EÚ + v EÚi  v x E Ú u Æ { x M «`ˆi EÚ M * x Æ I h M Â Ω S x h ± ± J { Æ I (+ <«B ± J { Æ I ) EÚI x n M * 12.4 Market Related Funds Transfer Pricing (MRFTP) In order to facilitate effective Asset Liability Management, the existing Transfer Pricing Mechanism [TPM] using the Multiple Transfer Price Formulae [MTPF], introduced in 2003 and fine-tuned in 2006, was replaced with Market Related Funds Transfer Pricing [MRFTP] from 1st April MRFTP is a scientific internal fund transfer price mechanism evolved to ascertain the true profitability of operating units by benchmarking the product prices to the market rates. Under MRFTP, the performance measurement system reflects a consistent and fair picture about the branches profitability. It also improves the product pricing policy of the bank Inspection and Supervision The Inspection Department at Head Office co-ordinates the Audit and Inspection activities of the Bank. In addition to the regular internal inspection, IS Audit, Compliance Audit, Surprise Inspection, System Audit of Zonal Offices and Head Office departments, etc. are conducted by the Inspection Department The Bank has put in place an effective institutional mechanism for Risk Based Supervision through RBS Cell in Inspection Department. As envisaged by the regulator, the Bank introduced Risk Focused Internal Audit (RFIA) under RBS w.e. f. 1st April 2003, where business parameters have been de-linked from the Risk Parameters Following the migration to the CORE Banking System, RFIA was revamped by way of revision in Audit Report Formats, rating mechanism, grouping of branches, sampling norms and periodicity of Inspection. The Information System Audit (IS Audit) cell was formed within the Inspection Department.

39 s{iun v HmUn v _m ns BkvXn-I-fpsS KpW-\n-e-hmcw sa -s -Sp-ØpI F e y-tøm-ss, h InS hmbv]m A u pi-fpss ssiimcyw snø, hmbv]m Ah-tem-I\w ssiimcyw snø F n-h-bpss HmUn- v, s{iun v HmUn v hn`mkw ssiimcyw snøp- p. c p timsn cq]bpw AXn IqSp-Xepw samøw hmbv]m ]cn-[n-bp A u- p- I-fmWv s{iun v HmUn- n\v hnt[-b-am- p- - Xv. A\p-aXn \ Ip- -Xn\p ap ]pw AXn- \p-ti-j-hp-ap khn-ti-j-iƒ IW- n-se- SpØv \S- p-h jw 933 A u- p-i-fpss HmUn v Un m p-sa v \S-Øp-I-bp- m-bn. 933 A u- p-i-fn 42 FÆw c v timsnbn Ipd-, Hcp timsn-bn-e-[n-i-amb A u- p-i-fm-bn-cp- p. RFIA bpam-bp kwtbm-p-\sø XpS v s{iun v dnkviv amt\-pvsa ns `mk-am-bn, Bh-iy-am-sW v ImWp- n-s-søms s{iun v BUn- \ Inb am p-iƒ {Iam-\p-k-c-W-am- p- p C Hm^okv do knentbj dnk hv _m v Hm^v C y-bpss am K-\n tzi-߃ A\p-k-cn v Db aqey-ap su_n v F {Sn-Ifpw Hcp e hpw AXne-[n-Ihpw aqey-ap- su_n v A u- p- I-fpsS 99.9 ix-am-\hpw Ah-bpsS D -h- Øn\v Bdv amk-øn-\iw do kn sntø- -Xm-Wv. Cu \n_- -\-bpss ASnÿm-\-Øn 2009 Unkw-_- hscbp su_n v F {Sn-I-fp-sSbpw dn kn-en-tbj 2010 am v Ah-km-\-tØmsS _m v ]q Øn-bm- n. {_m v obdnwkv P\d A u nse sk]vxw_ 2009 Ahkm\n t mƒ 50,000 cq]bpw AXn\p apifnep Xpamb F m s{iun v F{ nifpw dn ssk snbvxp. RBI \n t±in 3 amk ]cn[n v apsº Xt F m F{ nifpw hfsc Ipd Imebfhn Øs dn ssk snøm _m v Dt±in p p A\p-h Ø\w C ym k m-cn-s bpw dnk hv _m v Hm^v C y-bp-ssbpw \n tz-i-߃ / Iev]-\-Iƒ IrXy-ambn A\p-k-cn- -s -Sp- p-s v _m v Dd- p-h-cp-øp- p. \n tz-i-߃ ]men- -Xn-t bpw Un m p-sa ns {]I-S-\-Øns bpw ss{xam-k-dn-t m v t_muns HmUn v IΩn nbpss Adn-hn-te- p-ambn ka n- p- p. ± J { Æ ± J { Æ I M u Æ ÈEÚ EÚ + Œ i M h k EÚ v Æ x E Ú ± EÚx EÚ ± J { Æ I i l =SS J i  EÚ S ± x EÚÆ i ΩË * Ø. 2 EÚÆ c + ËÆ = >apple{ Æ ± E Ú± BC { W Æ HÚ J i  ± J { Æ I E Ú +xi M «i Œ ± i EÚ M * M x EfiÚ i { «B EfiÚi k Æ { Ω ± +  EÚ ± i Ω B π «E Ú n ËÆ x 933 J i  EÚ ± J { Æ I EÚ * 933 J i  Â, 42 J i  o ŒSUÙEÚ + v Æ { Æ Ø. 2 EÚÆ c EÚ + ËÆ Ø. 1 EÚÆ c + v EÚ BC { W Æ ± J i l ± J { Æ I EÚ + Æ B Ú + <«B E Ú l BEÚ EÚÆ h Ω V ± J { Æ I EÚ u Æ n B M B + EÚ Â V J v x E Ú +xi M «i, V Ω ƒ + EÚ Ω, + xi Æ EÚ ± J { Æ I EÚ Â u Æ x EfiÚi EÚÆ n M * xi EÚ ««± v x Æ È M «x nê  E Ú +x Æ Ø. 1 ± J + ËÆ = E Ú >apple{ Æ =SS ± E Ú x Œπ]ı  + ËÆ 99.99% x Æ EÚ v x = E Ú Œπ]ı i Æ J UÙΩ Ω x  E Ú +xi M «i EÚ V x ΩË * < i «E Ú Ø r ÈEÚ x n Æ 2009 i EÚ E Ú +xi «J J i  EÚ v x { Æ EÚ l V  S «2010 E Ú +xi i EÚ E Ú x Œπ]ı  EÚ 100% v x {i EÚÆ EÚ l * Ω x J v x x J i  i Æ 2009 EÚ {i i Ω E Ú ± B Ø. 50,000/- B + v EÚ ± E Ú V Œπ]ı  EÚ v x EÚ * Æ È u Æ x v «Æ i i x Ω x E Ú ± I EÚ +{ I +±{  Œπ]ı  EÚ v x EÚÆ x EÚ ± I Æ J ΩË * x { ± x ÈEÚ Ω x Œ S i EÚÆ i ΩË EÚ Æ i Æ EÚ Æ + ËÆ Æ i Æ W «ÈEÚ E Ú x n Â/+x n  EÚ i ieú ± +x { ± x EÚ V i ΩË * b«eú ± J { Æ I i EÚ M EÚ +x { ± x Œ l i + ËÆ EÚ «x π{ n x v i Ω I Æ { ]«ı S x l «x i { i i EÚ V i ΩË * 12.8 Credit Audit The audit of loan appraisal and administration for high value credit accounts with the aim of improving the asset quality of the Bank is undertaken by the Credit Audit Department. Accounts with total exposure of Rs.2 crore and above are covered under Credit Audit. The Department conducted audit of 933 accounts during the year, covering the presanction and post sanction aspects. Of the 933 accounts, 42 related to accounts with exposure below Rs.2 crore and above Rs.1 crore on a random basis. With the integration of credit audit with RFIA, the marks awarded by the credit auditor are normalized by the internal auditors under Credit Risk Management, wherever necessary Inter-Office Reconciliation As per RBI guidelines, all the high value debit entries of value Rs.1 lac and above and 99.99% of debit amount need to be reconciled within a period of six months from the date of their origin. As against this stipulation, the Bank had completed reconciliation of Inter-branch accounts up to December 2009 achieving 100% reconciliation of debit entries by end-march The Bank has also reconciled all credit entries of value Rs.50,000/- and above for the quarter ended September 2009 in Branch Clearing General Account. The Bank aims to reconcile all entries within a shorter time frame than the target of 3 months set by RBI Compliance The Bank ensures that GOI and RBI directives/instructions received are being complied with promptly. Quarterly review reports on the compliance status and performance of the Departments are regularly submitted to the Audit Committee of the Board for information.

40 Pm{KXm kwhn-[m-\hpw {Ia-t Sv \nco- -Whpw 13.1 \S- p-h jw _m ns Pm{KXm A co w XnI pw km[m-cw \ne-bn-em-bn-cp- p. Cu _m nse Ãm^n-t bpw Hm^ok am-cp-ssbpw hnizm-ky-x-bpss \ne-hmcw Db -Xm-Wv. AXp-sIm- p-xs Ãmt^m / Hm^o-k amtcm \S-Ønb Ip -I-c-amb s]cp-am Zqjyw G hpw Ipd \ne-bnem-bn-cp- p. F m \n `m-ky-h-im, Ãm^w-K-߃ Dƒs c v X n- p-iƒ \S- p-h j-øn dnt m p snø-s - Xv Bi- -bp-w Øn-bn- p- v. Ip - m-cmb DtZym-Kÿ s -Xnsc hip- p-xe \S-]-Sn-Iƒ Bcw- `n- n- p- v {]Xn-tcm[ Pm{KXm \S]Sn-I-fpsS `mkam-bn, hnpn-e kv hn`mkw DtZym-K-ÿ _m ns ]cn-io-e-\-]-cn-]m-sn-i-fn {]Xntcm[ Pm{KXm kwhn-[m-\-ß-sf- p-dn p m p-i-sf-sp-øp. kwhn-[m-\-ßfpw \S-]-Sn- {I-a-ßfpw ]men-t - -Xns {]m[m-\y-sø- p-dn pw s]mxp-po-hn-x-øn ]pe tø kxy-k- -X-sb- p-dn pw m p-i-fn Du n d- p. Hmtcm ]mz-h jm- y-ønepw X n- p-ti-kp-i-fpss {]h Ø-\-coXn hni-zo- I-cn- p-sim v _m v k p-e-dp-iƒ Ab p; AØcw kw`-h-߃ ho pw Bh Øn- p- Xv XS-bm-\m-bn-cp p CXv. imj-i-fn ap -dn-bn- n- msx ]cn-tim-[-\- Iƒ \S-Øn. _m nse {]Xn-tcm[ Pm{KXm kwhn-[m\w AXns icn-bmb A Y- Øn _m n \S- m- p p F p-d- p-h-cp- Øp- -Xn\pw AXns {]N-c-W-Øn-\p-ambn _m ns tkmw Hm^o-kp-I-fnepw imj- I-fnepw CVO, kv{sivtn Uv ao nw-kp-ifpw inev]-im-e-ifpw \S-Øn. aq p amk- m-eb-f-hn C y-bn-se-ºm-sp-ap 700 imj- I-fn CXp \S- m- n \S ph jw 2009 \hw-_ 9 apx 13 hsc CVO, sk {S hnpn-e kv IΩnj-\p-ambn _ -s p {]h Øn- p. Kmknbm-_m-Znse kn.-_n.-sf. A m-z-an-bn \S Hcm-gvNsØ ]cn-io-e\ ]cn-]m-sn-bn _m p-tzym-k-ÿ ]s -Sp-Øp. ticf k m-cn\p Iogn-ep kzbw-`-cw kvym- ]-\-amb sk t^m suh-e-]vsa v Hm^v Cta-Pkv (C-DIT) Xncp-h-\ ]pcøv \S- Ønb "ssk_ Ip -Ir-Xy-߃, ssk_ \nb-aw, ssk_ kpc ' F o hnj-b- Øn-ep tziob skan-\m-dn _m n \n pw HcptZymKÿ ]s -Sp-Øp ti{µ hnpn-e kv IΩnjs \n tzi {]Im-cw, ]Xn-hp-t]mse hym]-i-amb {]Nmc- W-tØmsS Pm{KXm Ah-t_m-[-\-hmcw BN-cn- p. Pm{KXm Ah-t_m-[-\-hm-c-Øns 13. i E«Úi i j B v J v c x M Æ x 13.1 I v x π «BEÚ B π «l V ÈEÚ Â i E«Úi EÚ Ω Ë± x l * < ÈEÚ Â ]ı Ú / + v EÚ Æ Â EÚ <«x n Æ EÚ i Æ EÚ Ú >ƒapples ΩË + ËÆ < ± B ]ı Ú / + v EÚ Æ u Æ EÚB M B + { Æ v EÚ n Æ S Æ EÚ P ]ıx Bƒ Ω i EÚ l * n «M, π «E Ú n ËÆ x Æ { ]«ı EÚ M <«v J v c EÚ n P ]ıx  V  ]ı Ú n ± l, E ÚUÙ S xi EÚ EÚ Æ h x M <»* { l ß π]ı + v EÚ Æ Â E Ú Ø r x i M EÚ Æ«<«Æ EÚ M <«ΩË * 13.2 Æ v i EÚ i E«Úi ={  E Ú M E Ú { Â, i E«Úi M E Ú + v EÚ Æ Â x h ± + ËÆ EÚ «v E Ú +x { ± x i l V x V x  i x π`ˆ E Ú Ω i { Æ EÚ b ± i Ω B ÈEÚ E Ú I h h ± E Ú W Æ B Æ v i EÚ i E«Úi { Æ EÚI Bƒ S ± <«l * i EÚ i Ω Â ÈEÚ x v J v c ±  EÚ EÚ «h ± x v «Æ i EÚÆ i Ω B { Æ { j W Æ EÚ i EÚ x { EÚ P ]ıx +  EÚ { x Æ fi k x Ω V B* J +   + EÚŒ EÚ x Æ I h EÚ M l * ÈEÚ Â Æ v i EÚ i E«Úi i j EÚ S Æ EÚÆ x B EÚ «x x x Œ S i EÚÆ x Ω i J i E«Úi + v EÚ Æ u Æ z + S ± + ËÆ J +   ] ıcs b«ë`ˆeâú / ± x  EÚ + V x EÚ M * i x Ω x  EÚ + v  { Æ Æ i E Ú v EÚ J +  EÚ EÚ Æ EÚ M l * 13.3 π «E Ú n ËÆ x J i E«Úi + v EÚ Æ 9 13 x Æ 2009 i EÚ BEÚ Ω }i E Ú ± B E Úxp i E«Úi + M  EÚ «Æ i l * i E«Úi M E Ú + v EÚ Æ Â x + <«+EÚ n, M W n,  BEÚ Ω }i E Ú I h EÚ «GÚ Â M ± l * BEÚ + v EÚ Æ x E ÚÆ ± Æ EÚ Æ E Ú +v x k E Úxp -b ]ı u Æ + V i < Æ +{ Æ v, < Æ x, < Æ Æ I v Æ π] ı M π`ˆı  M ± * 13.4 E Ú x n  E Ú +x Æ { EÚ S Æ n i Ω B i E«Úi V M EÚi {i Ω x M * i E«Úi V M EÚi {i Ω E Ú n ËÆ x EÚ ± V UÙ j  E Ú ± B BEÚ x k Æ EÚ «GÚ + ËÆ ]ı Ú n  E Ú ± B BEÚ x xv i M i S ± M * { x n EÚ ÈEÚ E Ú v x EÚ «±  13. Vigilance Machinery And Frauds Monitoring 13.1 The period under review was a year where the vigilance climate in the Bank was quite normal. The integrity level of staff/ officers in this Bank is very high and hence the instances of criminal misconduct committed by the staff/officers were minimal. Unfortunately two instances of frauds, where staff members were involved, reported during the year have posed some concern. Regular Departmental Action against erring officials has been initiated As part of Preventive Vigilance measures, the Vigilance Department officials handled sessions on Preventive Vigilance through Bank s training system highlighting the importance of adherence to systems and procedures and probity in public life. The Bank issued circulars every quarter stating the modus operandi of fraud cases so as to avoid recurrence of similar instances. Surprise inspections were conduced at branches. Structured meetings/ conferences were held by the CVO at various Zones of the Bank and branches to propagate and ensure the implementation of Preventive Vigilance mechanism in the Bank in its true spirit. More than 700 branches spread all over India were covered in three months time During the year the CVO was attached to Central Vigilance Commission for a week from 9th November to 13th November The Vigilance Department officials attended a training programme at CBI Academy, Gaziabad for one week. One official attended a National Seminar on Cyber Crimes, Cyber Law, Cyber Security at Thiruvananthapuram, conducted by Centre for Development of Imaging Technology (C-DIT), an autonomous Centre under Govt. of Kerala Vigilance Awareness Week was observed as per CVC directives with wide publicity. An Essay Competition was held for members of the staff followed by a quiz programme for college students. SBT

41 41 `mk-ambn Ãm^w-K-߃ mbn Hcp {]_- - a k-chpw timtfpv hnzym Yn-Iƒ mbn Iznkv a k-chpw kwl-sn- n- p. Xncp-h-\- -]p-cøpw ]cn-k-c-øp-ap hnzyme-b-ßfn \n p sxc-s -Sp- -s \mev hnzym Yn-Iƒ v Fkv.-_n.-Sn. kxy-k- Xm Ahm Up-Iƒ _m ns sluv Hm^o-kn h v hnx-cww snbvxp. bpha\-kp-i-fn kxy-k- -X-bpsS ktµ-i-sa-øn- p- - Xn\pw Agn-a-Xn-s -Xnsc s]mcp-xm sndp- {]m-b-øn Xs Ahsc k -cm- p- - Xn\pw t{]m m-l-\-sa coxn-bn-ep {]kvxpx kωm-\-߃ ticf hnpn-e kv B v B n Id-]vj _yqtdm-bpss Ub-d- IvS {io si.]n. tkma-cm-p hnx-cww snbvxp. 14. am\-h-hn-`-h-tijn hni-k-\hpw hymh-km-bni _ -ßfpw 14.1 Poh-\- m-cpss hn`-h-ti-jnbpw \nba-\hpw 4,182 Hm^o-k amcpw 5,784 s dn- - - Iymjv Poh-\- mcpw 404 ]m v sssw kzo amcpw 2,226 kt_m Un-t\ v Poh-\- m-cp-ambn samøw 12,192 Poh-\- m-cmwv _m n-ep- -Xv. h\nxm Poh-\- m 4,348Dw hnap `S- m 1,186 Dw BWv. CXv bym- {Iaw samøw Poh-\- m-cpss ix-am- \hpw 9.73 ix-am-\-hp-am-wv. h\nxm Poh-\- m-cn 981 Hm^o-k amcpw 2,836 t\m - k-t_m Un-t\ v Ãm^pw 531 kt_m Unt\ v Ãm^pw D v. hni-emw-k-cmb 117 Poh- \- m-cmwv _m n tpmen snøp- -Xv \S- p-h jw _m n 1,191 Poh-\- msc \nb-an p 70 t] Hm^o-k tiudnepw 1,019 t] t\m k-t_m Un-t\ v hn`m-k-ønepw 102 t] kt_m Un-t\ v tiu-dnepw Bbn-c-Øn-e-[nIw p-amsc H -Ø-hW \nb-an- Xv _m ns Ncn-{X- Ønse Xs kp{]-[m\ t\ -am-wv \S- p-h jw, H -Ø-h-WsØ \S-]-Snsb \nebv v 264 RKGK Isf (kt_m Un-t\ v tiu-dn \n pw ÿm\- bdw In n-b-h ) Iºyq- ss an-\ Hm td- am-cm- n. kt_m Un-t\ v tiudn \n pw 64 Poh-\- msc t\m kt_m Un-t\ v tiu-dn-te v ÿm\- b w \ In \nb-an- p. 136 Poh-\- msc dn- tiu-dn \n pw Hm^o-k tiu-dnte v ÿm\- -b w \ Ip-Ibpw Hm^ok tiu-dn-\-iøv Xs 385 ÿm\- b w \S- m- p-ibpw snbvxp Ãm^v t{]mu-ivsn-hn n Poh-\- m-c {]Xn _nkn-\ v 2009 am n 686 e w cq]-bm-bn-cp- Xv 2010 x M Æ EÚ Â E Ú n M  <«x n Æ EÚ x V M fii EÚÆ x + ËÆ ß π]ı S Æ ± c x E Ú BEÚ ={ E Ú {  =x EÚ l Ω i Ë Æ EÚÆ x Ω i i Ø x xi { Æ Ω Æ E Ú + { E Ú z E Ú±  S x M 4 UÙ j  EÚ B ]ı + x ]ı + b«n x EÚ * + x ]ı + b«. E Ú.{. Æ V x, + <«{ B, x n EÚ, i E«Úi B Bx]ı EÚÆ { x Æ, E ÚÆ ± u Æ n x EÚB M B l * 14. x v x EÚ B + Ët M EÚ v 14.1 ]ı Ú v x B i 31 S «2010 E Ú +x Æ ÈEÚ EÚ x ±  4,182 + v EÚ Æ, 5,784 ± { EÚ B x EÚn M ]ı Ú i l EÚ ± EÚ Ú <«EÚi «+ Â Ω i 2,226 +v x l ]ı Ú EÚ ± EÚÆ 12,192 ]ı Ú n ΩÈ * ÈEÚ Â Ω ± EÚ «S Æ Â EÚ J 4,348 + ËÆ i { «Ë x EÚ Â EÚ J 1,186 l V E Ú± ]ı Ú n  EÚ GÚ & 35.66%Ú + ËÆ 9.73% ΩË * Ω ± EÚ «S Æ Â Â v EÚ Æ, 2,836 M ËÆ +v x l ]ı Ú + ËÆ 531 +v x l ΩÈ * ÈEÚ EÚ +{ x x ±  117 Æ Æ EÚ { EÚ± M EÚ «S Æ ΩÈ * 14.2 π «E Ú n ËÆ x 1,191 ]ı Ú EÚ i EÚ M <«l V  70 + v EÚ Æ 1,019 M ËÆ +v x l i l 102 +v x l E Úc Æ Â l * ÈEÚ Â BEÚ ËS  BEÚ Ω W Æ + v EÚ + b«]ı Ú EÚ i ÈEÚ E Ú < i Ω Â BEÚ Æ EÚ b «={ ± Œ v ΩË * 14.3 π «E Ú n ËÆ x +v x l M ËÆ +v x l E Úb Æ Â 64 EÚ «S Æ Â EÚ { n z i Ω <«l * BEÚ Æ M U Ù]ıEÚ Æ E Ú {  EÚ Æ ÈÀEÚM  I h n i Ω B + ËÆ + v -I i { Æ I ± i Ω B ± J { ± /M n { ± (+v x l E Úb Æ { n z i ) EÚ E Ú{ ]ıæ ]ıã x ± + Ï{ Æ ]ıæ E Ú {  { Æ Ãi i EÚ M l * 136 EÚ «S Æ Â EÚ ± { EÚ + v EÚ Æ E Úb Æ Â i l + v EÚ Æ E Úb Æ E Ú +xi M «i 385 { n z i EÚB M B* 14.4 ]ı Ú =i{ n EÚi i EÚ «S Æ EÚ Æ Æ S «2009 EÚ Œ{i { Æ Œ l i Ø. 686 ± J v Æ EÚÆ S «2010 EÚ 758 ± J Ø Ω M * i EÚ «S Æ x ± Honesty Awards were conferred on 4 students, selected from various schools in and around the city, to inculcate the policy of honesty in the minds of young citizens and also with an idea to catch them young for the fight against corruption. The Honesty Awards were given away by Shri K P Somarajan IPS, Director, Vigilance and Anti Corruption Bureau, Kerala. 14. Human Resources Development & Industrial Relations 14.1 Staff Resources & Recruitments The Bank had on its rolls 12,192 members of staff as on 31st March 2010, comprising 4,182 officers, 5,784 clerical and cash department staff and 2,226 subordinate staff inclusive of 404 Part Time Sweepers. The number of women employees and exservices personnel in the Bank was 4,348 and 1,186 constituting 35.66% and 9.73% respectively of the total workforce. Out of the women employees, 981 were officers, 2,836 non-subordinate staff and 531 subordinate staff. The Bank also had on its rolls 117 physically handicapped employees As many as 1,191 staff were recruited during the year - 70 in the officers cadre, 1,019 in non subordinate and 102 in the subordinate cadre. The recruitment of more than one thousand award staff in one batch is a record achievement in the history of the Bank During the year, 64 employees were promoted from subordinate to nonsubordinate cadre, 264 RKGKs (promotees from subordinate cadre) were converted to Computer Terminal Operators as a onetime dispensation, 136 employees were promoted from clerical cadre to the Officers cadre, and 385 promotions effected within Officers cadre Staff Productivity The business per employee improved from Rs.686 lac as at the end of March 2009 to Rs.758 lac at the end of March Net profit per employee improved from Rs.5.58 lac as at the end of March

42 42 am v Bb-t mƒ 758 e w cq]-bmbn sa s - p. CtX Ime-b-f-hn Poh-\- m-c {]Xn icm-icn A m-zmbw 5.58 e w cq]- bn \n pw 5.80 e w cq]-bmbn h [n- p ]cn-io-e\ ]cn-]m-sn-iƒ Ãm^w-K-߃ v ]cn- m-\hpw Ah-t_m- [hpw Ignhpw h n- n- p-i-sb e ytøm-ss, tim -td v e y-ß-tfbpw DØc-hm-Zn-Ø-ß-tfbpw kw_- n- p ]cn-ioe\ ]cn-]m-sn-iƒ _m ns ]cn-io-e\ ti{µß-fn \S-Øp-I-bp- m-bn. \S- p-h jw 2,567 Hm^o-k am pw, 1,497 t\m kt_m Un-t\ v Ãm^n\pw 158 kt_m Unt\dv Ãm^n\pw ]cn-io-e\w \ Ip- -Xn-\mbn 179 ]cn-io-e\ ]cn-]m-sn-iƒ kwl-sn- n- p Xncp-h-\- -]p-c-søbpw Fd-Wm-Ip-fsØbpw _m ns tewnmv sk -dp-ifnse ]cn-io-e-\-øn\p ]pdsa C y-bnse Xmsg- -d-bp hnhn[ ÿm]-\-ß-fn-te v 616 Hm^o-k amsc ]cn-io-e-\-øn\v Abbv p-i-bp- m-bn. tã v _m v A m-u-an, KpUvKmhv, tã v _m v Ãm^v timtf-pv, sslz-cm-_m-zv, tã v _m v C Ãn- yq v Hm^v dqd suh-e-]vsa v, sslz-cm-_m-zv, tã v _m v C Ãn- yq v Hm^v C ^ ta-j B Uv Iayq-Wn-t j amt\-pvsa v, sslz-cm-_m-zv, timfpv Hm^v A{Kn- ƒ -d _m nwkv (B.-_n.-sF), ]qs\, \mj-w C Ãn- yq v Hm^v _m v amt\-pvsa v, ]qs\, C Uy C Ãn- yq v Hm^v a\m-pv-sa v, _mw q, AUvan-\n-kvt{S- ohv Ãm^v timtfpv Hm^v C y, sslz-cm-_m-zv, kn.-_n.- sf. A m-u-an, Kmkn-bm-_m-Zv _m ns `mhn t\xm- sf hm sø- Sp- p- -Xn\v th n 30 Akn-à v P\-d amt\-p am v _mw q-cnse {]i-kvx-amb C Uy C Ãn- yq v Hm^v amt\-pvsa n eou jn v B Uv amt\-pvsa n khntij ]cn-io-e\w \ In. A v Hm^ok amsc Xmsg- -d-bp hntzi ]cn-io-e-\- ߃ pw / ktωf\߃ pab p. Imen-t^m Wn-b-bnse Ãm t^m Uv Un.- F-kv.-kn-bn AUzm kvuv amt\- Pvsa v t{]m{kmw. ssn\-bn jmmvlm-bn-bnse t m_ AUzm kvuv amt\-pvsa v t{]m{kmw. si\n-b-bnse ss\tdm-_n-bn sh p-\- S FEDAI hm jni tim ^-d kv. Ata-cn- -bnse sit mkv kviqƒ Hm^v amt\-pvsa v. ± S «2009 EÚ Œ{i { Æ Œ l i Ø ± J v Æ EÚÆ S «2010 EÚ Œ{i { Æ Ø ± J Ω M * 14.5 I h EÚ «GÚ Y x V «x E Úxp   EÚ Ï{ ÊÆ ]ı ± I / r I j  E Ú π n «Â x Æ xi Æ + v Æ { Æ ]ı Ú n  E Ú Y x, V M EÚi + ËÆ EÚ Ë ± EÚ +ti x EÚÆ x EÚ o Œπ]ı z I h EÚ «GÚ S ± B M B* I v x π «E Ú n ËÆ x 179 I h EÚ «GÚ Â EÚ + V x EÚ M V E Ú i Ω i 2,567 + v EÚ Æ 1,497 M ËÆ +v x l ]ı Ú + ËÆ 158 +v x l ]ı Ú EÚ I h n ± M * xi Æ EÚ I h EÚ «GÚ Â E Ú + i Æ HÚ v EÚ Æ Â EÚ Æ i E Ú +x l x  i l ] ı]ı ÈEÚ +EÚ n, M c M, ] ı]ı ÈEÚ < ]ı ]ı ]ı + Ï Ú Ø Æ ± b ± { h]ı, ΩË n Æ n, ] ı]ı ÈEÚ ]ı EÚ Ï± V, ΩË n Æ n, ] ı]ı ÈEÚ < Œ ]ı]ı ]ı + Ï Ú <x Ú Ê x Bhb EÚ x E Ú x Ëx V x]ı, ΩË n Æ n, EfiÚ π ÈÀEÚM Ω t ± ( Æ È) { h, Æ π] ı ÈEÚ xv x l, { h, < b x < Œ ]ı]ı ]ı + Ï Ú Ëx V x]ı, ÈM ± Æ Bb ı x ] ı]ı ]ı Ú EÚ Ï± V + Ï Ú < b, ΩË n Æ n, + <«+EÚ n, M W n + n  i x HÚ EÚ M * 14.7 ÈEÚ E Ú x i +  EÚ I i EÚÆ x Ω i 30 Ω EÚ Ω xv EÚ Â EÚ i Œπ`ˆi < b x < Œ ]ı]ı ]ı + Ï Ú ÈEÚ Ëx V x]ı, ÈM ± Æ Â x i fii + ËÆ xv x I h n ± M l * V EÚ 5 + v EÚ Æ Â EÚ x x ± J i n I h / ± x   M ± x E Ú ± B i x HÚ EÚ M * ]Ëıx Ú b«v B, EËÚ ± Ú Ãh  Bb x b xv x EÚ «GÚ xm <«S Ëx  ËM ± EÚ Bb x b xv x EÚ «GÚ x Æ, E Ú x  Úc <«Ãπ EÚ ± x E Ú±± M E Ú± + Ï Ú Ëx V x]ı, B B to Rs.5.80 lac at the end of March Training Programmes A variety of Training programmes are conducted at the Learning centres to update the knowledge, awareness and skills of the staff members on an ongoing basis with particular reference to corporate goals/ concern areas. During the year under review 179 training programmes were conducted imparting training to 2,567 officers, 1,497 non-subordinate staff and 158 subordinate staff In addition to in-house training programmes at Learning Centres in Thiruvananthapuram and Ernakulam, 616 officers were deputed to other institutions in India like the State Bank Academy, Gurgaon, State Bank Staff College, Hyderabad, State Bank Institute of Rural Development, Hyderabad, State Bank Institute of Information and Communication Management, Hyderabad College of Agricultural Banking (RBI) Pune, National Institute of Bank Management, Pune, Indian Institute of Management, Bangalore, Administrative Staff College of India, Hyderabad, CBI Academy, Gaziabad, etc In order to nurture the future leaders of the Bank, 30 Assistant General Managers were given a customized Leadership & Management Training at the prestigious Indian Institute of Management, Bengaluru, while 5 officials were deputed for attending the following foreign trainings / Conferences: Advanced Management Programme at Stanford GSB, California Global Advanced Management Programme at Shanghai, China FEDAI Annual Conference at Nairobi, Kenya Kellogg School of Management, USA

43 {]h Ø\ anihn\p AwKoImcw MD's v / CGM's _v AwK- Xz-Øn\v 22 imj-iƒ sxc-s -Sp- -s -Sp- I-bpw, {]txyi NS-ßn sh v imjm-x-e-h- m-scbpw imjm {]Xn-\n-[n-I-sfbpw A\ptam-Zn- p-ibpw snbvxp. \S- p-h jw c p ]pxnb t{]m m-l-\-]- -Xn-Iƒ Ah-X-cn- n p F.-Pn.FΩp-am-cpsS {]I-S-\-Ønse ani-hn-\m-bp Ahm Uv (do-py ), Poh-\- m p-th n {]h Ø-\-an-I-hp-ambn _ n- n t{]m m-l-\-]- -Xn hmb- -\-im-ebpw t\mfpv t^mdhpw Poh-\- mcnepw ] m-fn-i-fnepw hmb-\mioew hf Øp- -Xn-\mbn Xncp-h-\- -]pcw tewnwkv sk -dnse hmb-\-ime ]pxp- n- -Wn-bp-Ibpw t\xr-kp-ww, \qx-\-xzw, am - nw-kv, hy n-xz hni-k\w XpS-ßnb hnj-b-ß-sf- p-dn- p ]pkvx-i-߃ hmßp-ibpw snbvxp. hnzym-`ym-k-]-c-amb kn.-un. tdmap-iƒ ImWp- -Xn\pw C -]-T\ samuyq-fp-iƒ D]-tbm-Kn- p- -Xn-\p-ambn 4 ]pxnb Iºyq- -dp-iƒ ÿm]n- n- p- v. F m Ggv tkmw / dopy-w Hm^o-kp-I-fnepw {]h Ø-\- -a-amb hmb-\-im-e-iƒ {]mh Øn-I-am- n- -gn- p. sluv Hm^oknse a\p-jy-hn-`-h-tijn hn`m-k-øns B`n-ap-Jy-Øn-ep t\mfpv t^mdw Poh-\- m v hn m-\hpw sshz-kv[yhpw ]I p-sim-sp- p- -Xn-\mbn F m sh nbm-gvnbpw _m nw-kv, t\xr-kp-ww, hy n- Xz-hn-I-k\w XpS-ßnb hnj-b-ß-fn m p-iƒ FSp- p- p. 15. ] n-i-pmxn/] n-i-h /\yq\-]- -k-ap- Zmb/hnap- -`-S- m /hni-emw-k F o hn`m-k-߃ m-bp sk ]- n-i-pmxn/] n-i-h Poh-\- m-cpss t a- Im-cy-߃ t\m p- -Xn\pw Ah-cpsS Xm -cy-߃ kwc- n- p- -Xn-\p-ambn P\- d amt\-p-cpss dm n-ep No^v sebvk Hm^o-k \bn- p {]txyi ] n-i-pm-xn- - ]- n-i-h sk _m n-\p- v. sluv Hm^okv, tkmw /dopy-w Hm^o-kp-Iƒ F nhn-s-ß-fnse sebvk Hm^o-k am Cu sk ns\ klm-bn- m-\p- v. ] n-i-pmxn / ] n-i-h Poh-\- m-cpss ]cm-xn-iƒ ]cnl-cn- p- -Xn-\mbn _m ns sluv Hm^oknse sk Fkv.-_n.-Sn. Fkv.kn/Fkv.-Sn. Ãm^v sh ^-b Atkm-kn-tb-j-\p-ambpw D X DtZym-K-ÿ-cp-ambpw IqSn- m-gvn-iƒ Imem-\p-kr-X-ambn kwl-sn- n- p- p. _m v F m-hn[ kui-cy-ß-fp-ap Hcp Hm^okv Atkm-kn-tb-j\p \ In-bn- p- v. hcn-kwjy AS-bv p- -Xn\v sn v- -Hm^v kui-cyhpw Atkm-kn-tb-j\v A\p-h-Zn- p x π{ n x { Ω S x π « E Ú ± B B b C± / V B C± EÚ n i E Ú ± B <«J +  EÚ S x Ω + B J J  + ËÆ ]ı Ú i x v  EÚ i Ø x xi { Æ Â + V i BEÚ Æ Ω Â x i EÚ M * n x i Ω x V x B Ω EÚ Ω xv EÚ Â (I j ) E Ú =iefiúπ]ı x π{ n x E Ú ± B + ËÆ ]ı Ú E Ú ± B x π{ n x r i Ω x V x Æ EÚ M <«* 14.9 { i EÚ ± + ËÆ Y x S ]ı Ú / Ω M  E Ú S { `ˆx + n i { Ën EÚÆ x E Ú =q l «Y x V «x E Úxp, i Ø x xi { Æ E Ú { i EÚ ± EÚ x EÚÆ h EÚ M + ËÆ =  x i fii / x x i / { h x / Ë HÚEÚ EÚ + n { Æ { i EÂÚ V c n * Ë I EÚ b n J x + ËÆ Ω M  u Æ <«-± Õx M b ± EÚ ={ M EÚÆ x Ω i S Æ E Ú{ ]ıæ ± M M * 7 + S ± EÚ / I j EÚ «±   V x ± EÚ { i EÚ ± S ± EÚ M * ]ı Ú EÚ Y x /n I i n ± x Ω i GÚ Æ EÚ ÈÀEÚM, x i fii, Ë HÚEÚ EÚ + n z π  { Æ v x EÚ «± E Ú x v x M u Æ Œx i Y x S E Ú V Æ B {i Ω EÚ EÚI B S ± M l * 15. ]ı Ú + V / + V V / +±{ J EÚ n (B ) / i { «Ë x EÚ / EÚ± M EÚI + V / + V V EÚ «S Æ Â E Ú EÚ± h B Ω i  EÚ v x Æ J x E Ú ± B v x EÚ «±  { E«Ú + v EÚ Æ Â EÚ Ω i Ω xv EÚ E Ú { n  J { E«Ú + v EÚ Æ E Ú x i fii  BEÚ { fil EÚ EÚI ΩË * =x EÚ EÚ i  E Ú x Æ h Ω i =SS xv x E Ú l B ]ı + V / + V V ]ı Ú EÚ± h P E Ú i x v  EÚ + v EÚ Ë`ˆEÚ Â EÚ l EÚÆ i ΩË * ± Ú Æ B x EÚ V x ŒVV i EÚ «± { Æ Æ n x EÚ * n  u Æ P EÚ + n x E Ú M i x E Ú ± B S EÚ + Ï Ú v n x EÚ ΩË * 14.8 Performance Recognition Twenty two branches were selected for membership of MD s Club / CGM s Club for the year and the Branch Heads and Staff Representatives were felicitated at a glittering function held at Thiruvananthapuram. Two new Incentive schemes Award for Excellence in Performance of AGMs (Region) and Performance Linked Incentive Scheme for Staff were introduced Library & Knowledge Forum In order to inculcate reading habit among the staff/participants, the library at Learning Centre, Thiruvananthapuram was renovated and books on Leadership/ innovation/marketing / personal development etc were added. Four computers have also been installed in the Library, for viewing educational CDs and use of e-learning modules by the participants. Functional libraries have also been made operational in all the 7 Zonal/ Regional Offices. To impart knowledge/ skills to the staff, weekly sessions were held by the Knowledge Forum coordinated by HR Department at Head Office, on Fridays on various topics related to Banking, Leadership, Personality Development, etc. 15. Staff SC/ST/Minority Community (MC)/Ex-ser./PH Cell The Bank has a separate Cell headed by a Chief Liaison Officer in the rank of General Manager assisted by Liaison Officers at the Module levels, to take care of the welfare and interests of the SC/ST employees. Periodical meetings of the Liaison Officers with the Chief Liaison Officer and of the representatives of the SBT SC/ST Staff Welfare Association with the Top Management, are held to understand their specific issues, if any, and to redress their grievances. The Welfare Association has been provided with furnished office premises with all infrastructure. Salary check-off facility for payment of subscription by the members to the Association is also provided.

44 t\cn- p \nb-a-\-øn ] n-i-pmxn ] n-i-h hn`m-k-߃ p kwh-cww \ΩpsS _m n epw ÿm\- -b- -Øn- \p kwh-cww epw Bcw-`n- n-cp- p. t\cn- p \nb-a-\-ønepw Hm^o-k tiudn-te- p ÿm\- -b- -Ønepw ] n-i-pmxn hn`m-k-߃ v 15 ix-am-\hpw ] n-i-h hn`m-k- m v 7.5 ix-am-\hpw kwh-c-wamwv G s -Sp-Øn-bn- p- -Xv. s dn- tiu-dn-te pw kt_m Un-t\ v Ãm^ns bpw t\cn- p \nb-a-\-øn\v AXmXv kwÿm\ k m-cpiƒ \n tz-in- n- p kwh-cww Dd- p-h-cp-øn-bn- p- v am v 31- \v Poh-\- m-cp-ssbpw ] n-i-pmxn/] nih hn`m-k-߃ p kwh-c-w-øn-s bpw \ne Xmsg-s m-sp- p- p: 15.1 ÈEÚ Â +x S i V i + ËÆ +x S i V x V i E Ú ± B v i  ËÆ { n z i Â Â Æ I h x i EÚ M <«l * + v EÚ Æ E Úb Æ Â v i + ËÆ { n z i n x   + V E Ú ± B 15% + ËÆ + V V E Ú ± B 7.5% + Æ I h n M ΩË * ± { EÚ E Úb Æ + ËÆ +v x l ]ı Ú E Úb Æ EÚ v i Â Æ V Æ EÚ Æ u Æ x v «Æ i i i i  + Æ I h n V i ΩË * S «2010 EÚ ]ı Ú Œ l i + ËÆ + V / + V V E Ú ± B + Æ I h x S n ΩË * 15.1 Reservation policy was introduced in the Bank for Scheduled Castes and Scheduled Tribes from 1972 in direct recruitment and from 1978 in promotions. Reservation at 15% for SCs and 7.5% for STs are provided both in direct recruitment as well as in promotion to officers cadre up to the specified levels. In direct recruitment for Clerical cadre and Subordinate staff cadre, reservation at the percentage prescribed by the respective State Governments is provided. hn`mkw BsI Fkv.-kn. Fkv.- n. M «E Ú± +V +V V Category Total SC % ST % Hm^o-k am + v EÚ Æ Officers 4, s dn- ± { EÚ Clerical 5, kt_m Un-t\ v +v x l Subordinate 1, ]n.- n.-fkv { ]ı B PTS BsI E Ú± Total 12,192 2, Visit of National Commission for Scheduled Castes Dr. Buta Singh, Hon ble Chairman, National Commission for Scheduled Castes greeted by the Managing Director, Shri A K Jagannathan kwh-cw N -߃ kw_- n C ym Kh sa ns am -\n tz-i-ß-f-\p-k-cn v XkvXnIm[njvTnX tpmen ka-b-hn-h-c- - ni _m v Xøm-dm- n-sh- n- p- v ] n-i-pmxn ]- n-i-h hn`m-k- Øn s DtZym-Km n-iƒ v \nb-a-\- Øn\pw ÿm\- -b- -Øn-\p-ap Fgp-Øp- ]-co- -I-fn 5 ix-am\w am ns Cfhpw \nb-a-\-øn-\p {]mb-]-cn[nbn 5 h jsø Cfhpw A\p-h-Zn- n- p- v. F m \nb-a-\-kw-cw-`-ß-fnepw F m {]apj ]{X-ß-fnse ]c-ky-ß-fnepw samøw Hgnhp-I-fpsS FÆ-tØm-sSm w ] n-i-pm-xn- -]- n-i-h K kwh-c-w-ap Hgn-hp-I-fpsS FÆhpw hni-z-am-bn-øs \ Im-dp- v. Atkmkntb v _m pifn, s{]mt_ jwdn Hm^ok, s dn XkvXnIIfn dn{iq vsa n\p ap ]mbn SC/ST/Minority/ Ex-Service Im Kdnbnep Dt±ymKm niƒ v {]o FIvkmant\j ss{s\nwkv kwlsn n p. Hm^ok tiudnte v s{]mtamj\p th nbpw 15.3 ÈEÚ Â + Æ I h x  E Ú EÚ «x x Ω i Æ i Æ EÚ Æ M «x nê  E Ú +x Æ { n + v Æ i Æ ]ıæ Æ J V i ΩË * V + ËÆ + V V E Ú = n Æ Â EÚ i + ËÆ { n z i E Ú ± B ± J i { Æ I  5% + EÚ + ËÆ =SS +  5 π «EÚ U Ù]ı n V i ΩË * i + x Â Â Æ HÚ Â EÚ E Ú± J + ËÆ + V / + V V E Ú ± B + Æ I i Æ HÚ Â EÚ J J S Æ { j   EÚ i EÚ M l * Ω M ÈEÚ Â Â ± { EÚ ]ı Ú + ËÆ { Æ I + v EÚ Æ EÚ i { Æ I  Ë`ˆx ± + V + ËÆ + V V / +±{ J EÚ/ i { «Ë x EÚ = n Æ Â EÚ { Æ I { «I h n ± V i ΩË * M ËÆ +v x l + v EÚ Æ E Úc Æ Â { n z i E Ú ± B Ë`ˆx ± + V + ËÆ + V V M «E Ú EÚ «S Æ Â E Ú ± B I h EÚ «GÚ S ± M l * 15.2 As on 31st March 2010 the percentage of SC/ST employees in the rolls is as under: 15.3 Post based rosters as per Government of India guidelines are maintained in the Bank A Concession of 5% of marks in written test for recruitment as well as for promotion and relaxation of 5 years in upper age limit in recruitment are allowed to candidates belonging to SCs and STs. In all the recruitment drives, the total number of vacancies and number of vacancies reserved for SCs and STs are advertised extensively in all the major newspapers. Preexamination training programmes were conducted for candidates belonging to SC/ ST/Minority/ex-servicemen category appearing for recruitment test of clerical staff and Probationary Officers in Associate Banks. Training programmes were also

45 45 ]cnioe\ m piƒ kwlsn n p p v ti{µ-k m-cns kmº-øn-iimcy hip pw _m pw XΩn kwh-cw DØ-chp-I-fp-ambn _ -s Imcy-ß-sf- p-dn- p hnhcw \ Ip- -Xn-\pw, tnmzy߃ v DØcw \ Ip- -Xn\pw kwi-b߃ Zqco-I-cn- p- -Xn\pw sk {]h Øn- p p. kwi-b-i-c-amb PmXn k n-^n- - p-i-sf- p-dn- p tikp-iƒ AXXv kwÿm\ k m-cp-iƒ cq]o-i-cn- p aq wk ]cn-tim-[-\m-k-an-xn-bpss ]cn-k-w- \bv v hnsp-ibpw XpS \-S-]-Sn-Iƒ kq vaambn ]n p-s-cp-ibpw snøp- p. ]cn-tim- [\m kan-xn v t_m[y-s tikp-i-fn \n tz-in- -s \S-]-Sn-I-sf-Sp- p- p sk Xmsg- -d-bp Imcy-߃ Dd- p-h-cp-øp p \nb-a-\w, DtZym-K- -b- w, a p tkh\ B\p-Iq-ey-߃/Cf-hp-Iƒ/kuP-\y-߃ F o Imcy-ß-fn e`y-amb kwh-c-w-søbpw a pw kw_- n \n tz-i-ßfpw DØ-c-hp-Ifpw _m v bym-hn[n \S- m- p-i-. SC/ST hn`m-k-ß-fpss kwh-c-w-\n-baw \S- m- p- -Xns ]ptcm-k-xn-sb- p-dn- p hm jni Ah-tem-I\ dnt m v Ub-d-IvS t_m Un\v ka n- p-i. kwh-cww snbvx Hgn-hp-Iƒ kwh-cww snø-s -SmØ hn`m-k-øn-te v am p Xv No^v sebvk Hm^o-k-dpsS ]q Æ Adnthm-sSbpw kω-x-tøm-ssbpw am{xw kmº- Øn-I-Imcy hip- ns _m nwkv hn`m-ksø Adn-bn- p-i tziob ] n-i-pmxn/] n-i-h IΩo-j ]pd-s -Sp-hn- p \n tz-i-ßfpw am - \n tz-i-ßfpw \S- m- m-\mbn DNn-X-amb \S-]-Sn-Iƒ _m v FSp- p p Un.-]n.-kn.-I-fn-sebpw ske-ivj IΩn- n-i-fn-tebpw ] n-i-pmxn/] ni-h hn`m-k- Øn s AwK-ß-fpsS Imcy-Øn C ym Kh sa ns \n tz-i-߃ ]men- -s -Sp- p ÿm]-\-øn kq n- n- p tdmã-dp-ifpss hm jni ]cn-tim-[\ \S-ØpI hgn kwh-cw DØ-c-hp-Iƒ _m v bym-hn[n \S- m- p- p P\-d amt\-p-cpss dm n-ep No^v sebvk Hm^o-k A[y- -\mbn hniemw-k / hnap `S- m sk pw H.-_n.-kn. sk pw _m v cq]o-i-cn- n- p- v. ] n-i-pm-xn- -]- n-i-h sk n\p ]pd-ta-bm-wn-xv. ]nt m kap-zmb sk ns A y- su]yq n P\-d amt\-p-cpss dm n-ep No^v sebvk Hm^o-k-dm-Wv. A v tkmw Hm^o-kp-I-fn-tebpw apwss_ v x EÚ «± EÚ + V / + V V EÚI, ÈEÚ + ËÆ Æ i Æ EÚ Æ k j ± E Ú S + Æ I h + n  u Æ EÚ Æ EÚB M B ±  E Ú v  V x EÚ Æ EÚ { Ãi, x  + ËÆ ±  E Ú =k Æ n x + ËÆ n Ω n Æ EÚÆ x E Ú { E«Ú EÚ «± E Ú {  EÚ «EÚÆ i ΩË * n Mv V i h { j E Ú ±  EÚ r Æ V Æ EÚ Æ u Æ M `ˆi 3 n I i EÚ Æ ÚÆ EÚ V i ΩË + ËÆ v x { «EÚ +x i «x EÚ V i ΩË * i { i ±   I i u Æ Ú Æ EÚB +x Æ EÚ Æ«<«EÚ V i ΩË * 15.6 EÚI Ω x Œ S i EÚÆ i ΩË : + V / + V V E Ú { I  =xωâ +x i i / { n z i E Ú ±  + ËÆ +x ±  V Ë Æ i  / U Ù]ı  v i + n  + ËÆ +x n  EÚ ÈEÚ u Æ +x { ± x + V / + V V E Ú ± B + Æ I h x i E Ú EÚ «x x EÚ M i { Æ Ãπ EÚ I Æ { ]«ı x n EÚ b«eú i i EÚÆ x * + Æ I i Æ HÚ Â EÚ + Æ I h HÚ EÚÆ x E Ú v  k j ± ( ÈÀEÚM M ) EÚ i i Ω B + ËÆ J { E«Ú + v EÚ Æ EÚ { h «V x EÚ Æ Ω i E Ú l + Æ I h HÚ i EÚ M ΩË * Æ π] ı + V / + V V + M u Æ V Æ EÚB M B +x n  / M «x nê  E Ú EÚ «x x Ω i ÈEÚ u Æ = S i EÚ Æ«<«EÚ V i ΩË * + V / + V V / +±{.. n  r b { / S x i E Ú v Â Æ i Æ EÚ Æ E Ú x nê  EÚ +x { ± x EÚ V i ΩË * M `ˆx  x EÚÆ Æ J M Æ ]ıæ  EÚ Ãπ EÚ x Æ I h EÚÆ E Ú + Æ I h + n  EÚ = S i EÚ «x x EÚÆ x * V / + V V EÚI E Ú +± ÈEÚ x Ω xv EÚ E Ú { n  J { E«Ú + v EÚ Æ Â E Ú x i fii  EÚ± M / i { «Ë x EÚ EÚI + ËÆ + EÚI + ËÆ v x EÚ «±, { S + S ± EÚ EÚ «± Â, + ËÆ <«+ ËÆ x <«n ±±  n I j conducted for employees belonging to SC/ ST category appearing for promotion from non-subordinate cadre to officer cadre The SC/ST Cell at Head Office acts as a Liaison Office between Bank and the Ministry of Finance, Govt. of India for supply of information, answering questions and queries and clearing doubts in regard to matters covered by the reservation orders. Cases of suspicious caste certificates are referred to 3 Member Scrutiny Committee constituted by the respective State Governments and followed up closely. In verified cases, actions as recommended by the Scrutiny Committee are taken The Cell also ensures: Compliance by the Bank with orders and instructions pertaining to the reservation in favour of SCs/STs in the matter of recruitment/ promotions and other service benefits such as relaxations/ concessions admissible to them. Placing of Annual Review Report on the progress of implementation of reservation policy for SC/ST to the Board of Directors. De-reservation proposal has been made with the full knowledge and concurrence of the Chief Liaison Officer, while making reference to the Ministry of Finance (Banking Division) regarding de-reservation of reserved vacancies, The Bank takes appropriate steps to implement instructions/guidelines issued by the National Commission for SC/ST. GOI s directions are followed in respect of DPCs/ Selection Committees pertaining to SC/ST/MC members. Proper implementation of the reservation orders by conducting annual inspection of the rosters maintained in the organization Apart from SC/ST Cell, Bank has set up PH/Ex-Servicemen Cell and OBC Cell headed by Chief Liaison Officers in the rank of General Managers and Minority Community Cell headed by Chief Liaison Officer in the rank of Deputy General Manager assisted by Liaison Officers at Head Office, five Zonal offices, and two

46 46 bnepw \yqsu ln-bn-ep- c v {]mtzini ti{µ-ß-fn-sebpw sebvk Hm^ok am Cu sk p-isf klm-bn- m\p- v. _ -s hn`m-k-ß-fn s Poh-\- mcpss t a-im-cy-߃ {i n- p-ibpw XmXv]-cy-߃ kwc- n- p-i-bp-amwv ta -d sk p-i-fpss Npa-X-e. sk Xmsg- -d-bp Imcy-߃ Dd- p-h-cp-øp p: \nb-a-\w, DtZym-K- -b w a v tkh-\m-\p- Iq-ey-߃ XpS-ßnb Imcy-ß-fn hnap `S- m pw hni-emw-k pw e`y-amb kwhc-w-søbpw a v B\p-Iq-ey-ß-sfbpw kw_- n v \n tz-i-ßfpw DØ-c-hp-Ifpw _m v bym-hn[n \S- m- p- p- \nb-a-\w, a v tkh-\m-\p-iq-ey-߃ F nh-bpss Imcy-Øn \yq\-] hn`m-kw, a v ]nt m hn`mkw F n-h v e`y-amb kwh-c-w-søbpw a v B\p-Iq-ey-ß-sfbpw kw_- n \n tz-i-ßfpw DØ-c-hp-Ifpw \S- m- p- p {][m\ kµ i-\-߃/ ]cn-tim-[-\-iƒ tum. _q m-knwkv A y- -\mb tziob ] n-i-pmxn IΩo-j 2009 Pqsse 1\v \ΩpsS _m nse kwh-cw \b-øns \S- m- Ah-tem-I\w snbvxp. tbmk-ønep-b ph \S-]-Sn-bv p hnj-b-߃ \S- m- n-s m- n-cn- p- p su]yq n sk{i- dn {io. F.-sI. aowbpss t\xr-xz-øn-ep-, kmº-øn- IIm-cy-h-Ip- ns ]cn-tim-[\m kwlw \ΩpsS _m v 2009 sk]v w-_ 11- \v kµ in- p. _m n kq n- n-cp tdmãdp-iƒ kwlw ]cn-tim-[n- p. kwh-c-w-hpambn _ -s hnhn[ \nb-a-ßfpw \nb- { -W-ßfpw \ΩpsS _m v A\p-h Øn- p Xn kwxr]vxn tcj-s -Sp-Øn. 16. hymh-km-bni _ -߃ 16.1 Fwtπm-bokv bqwn-b-\p-ambpw Hm^otkgvkv Atkm-kn-tb-j-\p-ambpw Imem-Ime-ß-fn \S-Øn-bn- p- Xpw ^e-{]-z-sa p sxfn- n- p- -Xp-amb D`-b-I n N -Iƒ {]iv\-]-cn-lm-c-øn\pw kulm ±-]-c-amb hyh-kmb _ w \ne-\n Øm\pw klmbn- n- p- v Fwtπm-bokv bqwn-b-\p-ambpw Hm^otkgvkv Atkm-kn-tb-j-\p-ambpw sluv Hm^okv Xe-Ønepw tkmw Hm^okv Xe- Ønepw Imem-Im-e-ß-fn D`-b-I n N - Iƒ \S-Øp-I-bp- m-bn. Ipa-c-IØv sh v 2010 s^{_p-hcn 22\v ABOA bpambn _m v ti{µ D`-b-I n N \S-Øp-I-bp- m-bn. Cs m w Ãm^v sh s^-b IΩn- n-i-fpssbpw SWF s D]-k-an-Xn-I-fp-sSbpw Bdv tbmk-߃ tn p. EÚ «±   r M «E Ú EÚ «S Æ Â E Ú EÚ± h B Ω i  EÚ Æ I E Ú ± B { E«Ú + v EÚ Æ Â EÚ Ω i ={ Ω xv EÚ E Ú { n  J { E«Ú + v EÚ Æ Â E Ú x i fii  BEÚ +±{ J EÚ n EÚI EÚ M `ˆx EÚ M ΩË * Ω EÚI x Œ S i EÚÆ i ΩË :- i { «Ë x EÚ + ËÆ EÚ± M  E Ú { I  i / { n z i + ËÆ +x ±  E Ú ± Â Â Æ HÚ l x  E Ú + Æ I h v i + n  + ËÆ +x n  EÚ ÈEÚ u Æ +x { ± x * +±{ J EÚ n / +x { UÙb V i  E Ú { I  i + ËÆ +x ±  E Ú ± Â Æ HÚ l x  E Ú + Æ I h v i + n  + ËÆ +x n  EÚ ÈEÚ u Æ +x { ± x * 15.8 Ω i { h «n ËÆ / x Æ I h x x +v I b Ï. ]ı À Ω E Ú x i fii  M `ˆi Æ π] ı +x S i V i + M 01 V ± <«2009 EÚ ÈEÚ Â + Æ I h x i E Ú EÚ «x x EÚ I EÚ * Ë`ˆEÚ Â =`ˆ B M B EÚ «xn +  EÚ EÚ «x x EÚ V Æ Ω ΩË * B±. E Ú. x, ={ S E Ú x i fii  k j ± BEÚ x Æ I h n ± x 11 i Æ 2009 EÚ ÈEÚ EÚ n ËÆ EÚ * ÈEÚ Â Æ J M <«+ Æ I h S EÚ n ± u Æ x Æ I h EÚ M + ËÆ ÈEÚ Â + Æ I h v i z x  + ËÆ x  E Ú +x { ± x E Ú i Æ { Æ i π EÚ]ı EÚ * Ët M EÚ v 16.1 EÚ «S Æ P i l + v EÚ Æ P E Ú l + v EÚ Ë`ˆEÚ Â E Ú W Æ B M `ˆx E Ú z i Æ Â { Æ { Æ I i u { I Ë`ˆEÚ Â EÚ l + ËÆ +  E Ú v x E Ú EÚ Æ h { h «π «ÈEÚ Â + Ët M EÚ v n { h «+ ËÆ ËΩ n«{ h «Æ Ω * 16.2 v x EÚ «± i Æ i l + S ± EÚ EÚ «± i Æ { Æ EÚ «S Æ P + ËÆ + v EÚ Æ P E Ú l u { I Ë`ˆEÚ Â EÚ + V x Ω + * ÈEÚ x 22 ÚÆ Æ 2010 EÚ B + B E Ú l E Ú Æ EÚ Â Regional Offices at Mumbai and New Delhi to take care of the welfare and protect the interests of the employees belonging to the respective sections. The Cell ensures: Compliance by the Bank with orders and instructions pertaining to the reservation of vacancies in favour of Ex-Service and Physically Handicapped in the matter of recruitment/promotions and other service benefits. Compliance by the Bank with orders and instructions pertaining to the reservation of vacancies in favour of MC/OBC in the matter of recruitment and other service benefits 15.8 Important Visits / Inspections The National Commission for Scheduled Castes headed by its Hon ble Chairman, Dr. Buta Singh conducted a review of implementation of Reservation Policy in the Bank on 1st July The action points that emerged in the meeting are being implemented An inspecting team from the Ministry of Finance headed by Shri L K Meena, Deputy Secretary, visited the bank on 11th September The reservation rosters maintained by the Bank were inspected by the team which expressed satisfaction over the level of compliances of various rules and regulations pertaining to reservation in the bank. 16. Industrial Relations 16.1 The time tested mechanism of bilateral negotiations at various levels of the organisation with the Employees Union and the Officers Association through periodical structured meetings and redress of the issues ensured harmonious and cordial industrial relations in the Bank throughout the year Bipartite meetings were held with Employees Union and Officers Association at Head Office level and Zonal Offices at periodic intervals. The Bank hosted the Central Bipartite meeting with ABOA on

47 hyh-kmb Xe-Øn Poh-\- m-cptsbpw Hm^o-tk-gvkn-s bpw kwbp- - ambpw sht -sdbpw D ka-c-߃ 2009 BKÃv 6 & 7, 2009 Unkw-_ 16 F o Znh-k-ß-fn \S- p \S- p-h jw Poh-\- m p t a- ]- -Xn-Ifn _m v Ht sd ]cn-jvim-c-߃ / sa -s -Sp-Ø-ep-Iƒ \S- m- n. Poh-\- mcpss `mcy/` Øm- - m pw, hnc-an Poh- \- m pw Ah-cpsS `mcy/` Øm- - m pw BtcmKy ]cn-tim-[-\-bv p snehmb ]Ww XncnsI simsp- p- Xv h [n- n p. Poh-\- m p kq kpc m C jz-d kv ] -Xn-bpsS s bnw XpI 3,50,000 cq]-bn \n pw 5,00,000 cq]- bmbn Db Øn. Poh-\- m-cpss a ƒ p kvtimf jn]v XpI h n- n p XpSßn-bh Ch-b-n Nne-Xm-Wv Poh-\- m-cpss kmln-xy-, Im-bn-I, kmwkvim-cni BtLm-j-amb _m vs^ãv 2010 s^{_phcn 5 apx 7 hsc Xncp-h-\- -]p-cøv sh v kwl-sn- n- p. F m tkmwp-i-fn \n p-ambn A-[nIw Poh-\- m AXn ]s -Sp-Øp. 17. kpc m {Iao-I-c-W-߃ kpc- m-]n-g-hp-aqew \ΩpsS _m n ]Wtam hne-]n-sn- p hkvxp- tfm \jvss - n- n- mø as mcp h j-amwv IS- p-t]mb-xv. kpc- -bp-ambn _ -s v 11 {ia߃ / kw`-h-߃ BWv Ign h jw D m-b-sx- n CØ-h-W, AØcw F p kw`-h-ß-fm-wp- m-b-xv. Ch-bn \mseæw A{]-[m\ kz`m-h-ap- -h-bm-bn-cp- p. a v \mse-æ-am-hs Xo]n-SpØ kw`-hß-fp-am-bn-cp- p. _m v imj-i-fpss kpc- bpss KpW-\n-e-hmcw Db Øm-\p Ht sd \S-]-Sn-Iƒ FSp-Øp-h-cn-I-bm-Wv. F m imj- I-fnepw kwtbm-pnx A n- -kp-c m Aemdw kwhn-[m-\-߃ ÿm]n- p-sim- ncn- p-i-bm-wv. A]m-b-km- y-x-bp imj- I-fnse kpc \ne-hmcw Db Øp- -Xn- \mbn a p ]e \S-]-Sn-Ifpw FSp-Øp-h-cp- p. F m sat{sm-i-fnepw h \K-c-ß-fnepw A]m-b-km-[y-X-bp imj-i-fnepw CCTV ÿm]n- p-sim- n-cn- p-i-bm-wv. kpc- m-\ne-hmcw Db Øp- -Xn-\p kp{]-[m\ \S- ]-Sn-I-fmWv ta ]cm-a in- -Xv. A]m-b-km- [y-x-bp imj-i-fp-ssbpw Id kn tijcn p shbv p s] n-bp-ssbpw `uxn-i-kpc kpi- -am- p- -Xn-\p-th n IqSp-X kpc m Km Up-Isf \nb-an ]ptcman p-sim- n-cn- p-i-bm-wv. FIvkvtd E Úxp u { I Ë`ˆEÚ EÚ W x EÚ * π «E Ú n ËÆ x ]ı Ú EÚ± h i + ËÆ ]ı Ú EÚ± h x v EÚ ={ i EÚ 6 Ë`ˆEÂÚ + V i EÚ M <«l * Ët M EÚ i Æ { Æ EÚ «S Æ Â + ËÆ + v EÚ Æ Â x 06 + ËÆ 07 +M i ËÆ 16 n Æ 2009 EÚ HÚ + ËÆ { fil EÚ Ω c i ± EÚ l * 16.4 ÈEÚ π «E Ú n ËÆ x ]ı Ú E Ú { i / { ix + ËÆ x fik ]ı Ú + ËÆ =x E Ú { i /{ ix EÚ Ω ±l S EÚ-+{ E Ú ± B =SS i Æ i { Ãi, ]ı Ú E Ú ± B { Æ Æ I V x E Ú ± B n Æ 3,50,000 5,00,000 Ø { B g EÚÆ, ]ı Ï Ú E Ú SS  EÚ UÙ j fi k  fi r + n EÚ ± EÚÆ ]ı Ú EÚ± h V x +   +x EÚ v Æ / v x ± B* ÚÆ Æ 2010 i EÚ i Ø x xi { Æ Â ]ı Ú Ω i EÚ, J ± E Ún i l EfiÚ i EÚ Æ Ω, ÈEÚ Ú ]ı + V i EÚ * + S ±  v EÚ ]ı Ú n  x <  M ± * 17. Æ I l B < π «Æ I j ]ı  E Ú EÚ Æ h ÈEÚ EÚ Æ EÚc ± x i +  EÚ EÚ <«Ω x x Ω Ω <«* { UÙ± π «EÚ 11 P ]ıx +  EÚ i ± x  < π «8 / Æ I P ]ıx B P ]ı V x S Æ M Ëh EÚ l +x S Æ + M EÚ l * ÈEÚ J +  EÚ Æ I EÚ M h i EÚ { v Æ x E Ú ± B +x EÚ ={ EÚ V Æ Ω ΩÈ * BEÚ EfiÚi + M + ËÆ Æ I +± «]ı J +   ± M V Æ Ω ΩË * + Æ I i J +  EÚ Æ I EÚ v Æ x E Ú ± B EÚ<«+x ={ EÚB V ÆΩ ΩÈ * Ω x M Æ, b x M Æ Â + ËÆ + Æ I i J +   ]ı ± M V Æ Ω ΩË * ={ «HÚ ={ Æ I v Æ x EÚ Ω i { h «EÚn ΩË + ËÆ + v EÚ Æ I M b«eú i, V S ± Æ Ω ΩË, EÚÆ S ]ı + ËÆ + Æ I i J +  EÚ Ë i EÚ Æ I + ËÆ W i Ω V BM * BC Æ M V EËÚx Æ ± M x v x EÚ «± EÚ Æ I W i Ω M <«* Q Ω v x EÚ «±  ]ı ± M B V BƒM Â* Ú Æ + v EÚ Æ EÚ ={ ± v i J +   +ŒMx Æ I 22nd February 2010 at Kumarakom. Staff Welfare Committee and Sub-committee meetings of Staff Welfare Fund were held 6 times during the year At the industry level, there were joint and separate strikes by the employees & officers on 6th and 7th August 2009 and 16th December The Bank has introduced many improvements/modifications in the staff welfare schemes during the year, including higher reimbursement on health check up charges for spouses of staff members and for retired staff and their spouses, enhancement of the claim amount from Rs.3,50,000/- to Rs.5,00,000/- for Super Suraksha Insurance scheme for staff, enhancement of scholarship to wards of staff etc The Staff Literary, Sport and Cultural Festival, Bankfest, was conducted at Thiruvananthapuram from 5th February to 7th February More than 500 staff members participated from all the Zones 17. Security Arrangements This has been another year without any loss of cash or valuables to the Bank due to security lapses. There were eight attempts / security incidents this year compared to eleven last year, of which four were of minor nature. The other four were fire incidents. A number of measures are in the process to qualitatively improve the security of bank branches. Integrated fire and security alarm systems are being installed in all branches. Many other measures are being taken to upgrade the security of vulnerable branches. CCTVs are being installed in all metros, large towns and vulnerable branches. The above measures are significant steps to upgrade security. Recruitment of more security guards, which is in progress, will further beef up the physical security of currency chests and vulnerable branches. Head Office security has been strengthened by installation of X-ray baggage scanner. CCTVs would also be installed at Head Office shortly. The availability of a fire officer

48 48 _mt Pv kvim\ ÿm]n v sluv Hm^oknse kpc kpzr-v-am- n-bn-cn- p- p. sluv Hm^o-kn sshimsx Xs CCTV Ifpw ÿm]n- p- -Xm-bn-cn- pw. imj-ifnse A n-i-a\ kwhn-[m-\-ß-fn ^b Hm^o-k-dpsS e`y-x-tbmss kp{]-[m-\-amb sa -s -S-em-Wp- m-bn-cn- p- -Xv. _m v imj-i-fnse kpc m k o-i-c-w-߃, skiyq-cn n Hm^o-k am-cpss kµ i\ thf-i-fn Ah-tem-I\ hnt[-b-am- p- Ibpw th n-h- m, Bh-iy-amb Xncp- Ø \S-]-Sn-Iƒ FSp- p-ibpw snøp- p. kpc- -bpss F m hi-ßfpw ka-{k-ambn {]Xn-]m-Zn- p Hcp ssi p-kvxiw _m v ]pd-øn-d- n. IqSm-sX, imj-i-fnse kpc- m-kw-hn-[m-\-߃ sa -s -Sp-Øp- -Xn- \mbn _ -s hip v Ht sd {][m-\-s k p-e-dp-ifpw IØp-Ifpw Ab-bv p-ibp- m-bn. ÿnc-amb ]cn-]m-sn-i-fn-eqss skiyq-cn n Km Up-I-fpsS am{x-a-, Ign-bp- {X Poh-\- m-cp-ssbpw kpc m Aht_m[w hf Øn-sb-Sp- m-\m-h-iy-amb ]cnio-e-\-߃ \ In-h-cp- p. 18. CS-]m-Sp-Im p tkh\w 18.1 D]-t`m r tkh-\-øn\v _m v ap nb ]cn-k-w-\-bmwv \ Ip- -Xv. CS-]m-Sp-Im v sa -s tkh\w e`y-am- m\pw Ah-cpsS ]cm-xn-iƒ ]cn-l-cn- m\pw F m {ia-ßfpw \S-Øp- p- v. aqey-h nx, tkh- \m[njvsnx \ne-hm-c-ap tkh\w sim v CS-]m-Sp-Im v kwxr]vxn {]Zm\w snøphm _m v {]txyiw {i n- p- p CS-]m-Sp-Im-cpsS ]cm-xn-iƒ ]cn-l-cn- p- -Xn\v kpk- -amb Hcp ]cmxn ]cn-lmc kwhn-[m\ _m n \ne-hn-ep- v. e`n Xpw, Xo p-i n Xpw, Xo p-i n mø Xpamb ]cm-xn-i-fp-ssbpw FÆw kw_- n v samø-øn-ep dnt m p-iƒ _m ns t_m Un\pw sluv Hm^o-knse D -X-Xe IÃ-a k hokv IΩn- n pw ka n- -s -Sp- p. Xmcm]q IΩn- n-bpss ip]m i-{]-imcw cq]o-ir-x-amb IÃ-a k hokv Ãm UnwKv IΩn- n, _m ns tkh\ \ne-hmcw \n nx CS-th-f-I-fn Ah-tem-I\w snøp- p-. l + Â Â Ω i { h «v Æ + ΩË * Æ I + v EÚ Æ Â u Æ +{ x J n ËÆ E Ú Æ I l EÚ x Æ i Æ I EÚ V i ΩË + ËÆ V Ω ƒ + EÚ Ω v Æ i EÚ EÚ Æ«<«EÚ M <«* M u Æ i ieú ± n «E Ú {  { Ω ± +  EÚ { EÚ { EÚ Æ EÚÆ i Ω B BEÚ ΩË xb EÚ W Æ EÚ M * < E Ú +± J + Â Â Æ I l EÚ v Æ x E Ú ± B M u Æ EÚ<«{ Æ { j / { j W Æ EÚB M B* Æ I M b Á EÚ Ω x Ω, Œ±EÚ V i x Ω E Ú =i x ]ı Ú n  EÚ x i EÚ «GÚ Â E Ú W Æ B Æ I V x EÚ Æ =i{ z EÚÆ x Ω i I h n ± V Æ Ω ΩË * 18. O Ω EÚ 18.1 ÈEÚ Â O Ω EÚ EÚ =SS l EÚi n V i ΩË + ËÆ O Ω EÚ Â i l =x EÚ EÚ i  EÚ x Æ h EÚÆ x Ω i M h k EÚ v Æ x Ω i EÚ M ΩË * M h k ± V i +  u Æ S i =i{ n n x EÚÆ i Ω B O Ω EÚ J - v Bƒ v Æ x  n P «EÚB V i ΩÈ * 18.2 ÈEÚ Â BEÚ { Æ π i + ËÆ { h «EÚ i O Ω EÚ EÚ i i j EÚ «Æ i ΩË * { Æ ÈEÚ Â {i / x { ]ı M / ± i EÚ i  EÚ J v Æ { ]«ı ÈEÚ E Ú b«+ ËÆ v x EÚ «± π «i Æ O Ω EÚ i EÚ i i EÚ V i ΩË * i Æ { Æ i Ú Æ Â E Ú +x i «x  M `ˆi O Ω EÚ { Æ l i u Æ ÈEÚ u Æ n V x ± O Ω EÚ EÚ M h k { Æ x i + i Æ ±  { Æ I EÚ V i ΩË * 18.3 Ω EÚ Ω xv EÚ E Ú x i fii  BEÚ O Ω EÚ M 1 V x Æ 2010 v x EÚ «±  M `ˆi EÚ M ΩË * J ± O Ω EÚ EÚ i  E Ú Q x { ]ı Æ + ËÆ + v EÚi O Ω EÚ i Œπ]ı x Œ S i EÚÆx { Æ ΩË * M, J + ËÆ EÚ i EÚi «E Ú S x EÚ E Ú Ø {  EÚ EÚÆ i ΩË + ËÆ EÚ i  EÚ i Æ i x { ]ı x x Œ S i EÚÆ i ΩË * +x EÚ Â EÚ i  = n x Ω ± Z V i ΩË * v x EÚ «± / + S ± EÚ EÚ «± P\p-hcn 1 apx _m ns sluv Hm^o-kn Hcp Akn-à v P\-d amt\- P A y- -\mbn Hcp IÃ-a k hokv Un m p-sa n\v cq]w simsp-øn- p- v. CS- ]m-sp-im-cpss ]cm-xn-i-fn-t thk-øn Xo p-i n- p- -Xn\pw ]c-am-h[n D]- t`m r kwxr]vxn Dd- m- p- -Xn-\p-amWv apjy Du. ]cm-xn- m-c\pw _m v imjbv p-an-s-bv p GtIm-]-\- p-a-x-e-bmwv {]kvxpx Un m p-sa v \nd-th- p- -Xv. H w ]cm-xn-iƒ {ZpX-K-Xn-bn HØp-Xo m- p- phas enabled significant improvement in fire safety arrangements in branches. The security arrangements in branches are being reviewed constantly by Security Officers on their visits and corrective measures taken, wherever warranted. The Department issued a Handbook on Security as a ready reckoner, covering all aspects comprehensively. Besides, a number of important circulars/letters were issued by the Department to improve security arrangements in branches. Training to inculcate security awareness, not only to the security guards but also to as many members of the staff as possible, is being arranged through regular programmes. 18. CUSTOMER SERVICE 18.1 Customer service in the Bank is accorded top priority and every endeavour is made to improve the quality of service to the customers and redress their grievances. All efforts are made to improve the customer satisfaction by offering suitable products enhanced by quality value-added services A well-defined and full-fledged customer grievances redress mechanism is functioning in the Bank. Reports on the number of complaints received / disposed of / pending in the Bank as a whole are submitted to the Bank s Board and the Apex Level Customer Service Committee at Head Office. The Standing Committee on Customer Service, constituted pursuant to Tarapore Committee recommendations, also reviews the quality of customer service extended in the Bank at regular intervals A Customer Service Department headed by an Assistant General Manager has been formed at Head Office with effect from 1st January The main emphasis is on quick disposal of customer complaints and ensuring maximum customer satisfaction. The Department acts as a coordinator between the branch and the complainant and ensures quick disposal of the complaints. Many of the complaints get resolved on the same day itself. The average time taken for disposal of complaints at Head Office / Zonal Office level has been reduced drastically.

49 49 sh pw Dd- m- p- p. Ht sd ]cm-xn-iƒ AtX Znhkw Xs ]cn-l-cn- -s -Sp- p. sluv Hm^okv / tkmw Hm^okv XeØn ]cmxn ]cn-l-cn- m-s\-sp- p icm-icn kabw KWy-ambn Ipd- n- p- v ]pxnb IÃ-a k hokv Un m psa v ÿm]n- Xpw s]s - p {]Xn-I-c-Wßfpw hfsc ip`-i-c-amb ^e-am-wp- m-bncn- p- -Xv. ]cm-xn-i-fpss FÆw KWy-amb txmxn Ipd- n- p- v. _m ns thk-ønep {]Xn-I-c-WØnepw {ZpX-K-XØnepw ]cm-xnbv v ]cn-lm-c-ap- m- n-bxnepw ]e ]cm-xn- mcpw BÀmZw {]I-Sn- n- p-i-bp- m-bn G hpw ]pxnb hnh-c-߃ Dƒs m- n ""kn n-k kv Nm '' elp-te-jbpss cq]-ønepw _m ns sh_vssk- nepw e`y-am-wv. s]mxp-p-\-߃ pw CS-]m- Sp-Im pw IÃ-a - -_m- _ sø kw_- n- p kp{]-[m\ hnh-c-߃ AXn \n pw e`n-bv pw. _m v CuSm- p k hokv Nm Pp-I-fpsS hni-zmw-i-߃ s]mxp-p-\-ß-fpss Adn-hn-te- mbn _m ns sh_vssk n {]kn- o-i-cn- n- p- v sluv Hm^okv Xe-Ønepw tkmw Hm^okv Xe-Ønepw \S- p IÃ-a k hokv IΩn n tbmk-ß-fn kn n-k Nm -dn-s bpw s^b {]mivso-kkv timuns bpw \S-Øn- n-ep ]ptcm-kxn \nco- n- -s -Sp- p. imj-i-fn \ Ip tkh-\- Øns KpW-\n-e-hm-chpw ]cn-tim-[\m DtZym-K-ÿ ]cn-tim-[-\bv v hnt[-b-am- p- p- v CS-]m-Sp-Im-cp-sSbpw s]mxp-p-\-ß-fpssbpw ]cm-xn-iƒ s]s p ]cn-l-cn- p- - Xn-\mbn F tsmƒ {^o \ºcn Hcp Imƒsk _m v ÿm]n- n- p- v. C -d kui-cy-ß-sf- p-dn v A -Sn, Zriy-am-[y-a-ß-fn-eqsS Bh-iy-amb ]c-ky߃ \ In-h-cp- p hnhn[ k p-e-dp-i-fn-eqss G hpw Db \ne-hm-c-øn-ep D]-t`m- r-tkh\w {]Zm\w sntø- -Xns Bh-iy-IX _m v Du n- -d- n- p- v. CS-]m-Sp-Im-cpsS ]cm-xn-]-cn-lm-c-øn\v Hcp \qx\ kwhn-[m\w SMS ""SBT CARE'' _m v Bcw-`n- n- p- v. AXn {]-Imcw _m ns CS-]m-Sp-Im v _m ns D - -ß-sf- p-dn pw tkh-\- ß-sf- p-dn pw At\z-j-W-߃ Ds - ntem GsX- nepw tkh-\-sø- p-dn v Xr]vXn-bm-bn-s - ntem Hcp \n nx samss_ \º-dn-te v SMS D]-tbm-Kn v ]cmxn Ab-bv m km[n- pw. _m ns cmpy-sa-ºm-sp-ap F m Hm^o-kp-I-fnepw Hmtcm amkhpw 15- mw XobXn (A v Ah[n i Æ { Æ EÚ i  E Ú x { ]ı Æ Ω i ± B V x ± Ω i EÚ Ω M * 18.4 x O Ω EÚ M EÚ l { x + ËËÆ i ieú ± i GÚ EÚ Æ i EÚ Ω + l * EÚ i  EÚ J  =±± J x EÚ + M + ËÆ EÚ<«EÚ i EÚi «± M  x ÈEÚ u Æ EÚ M <«Q i GÚ + ËÆ EÚ i  E Ú i ieú ± v x { Æ c J EÚ]ı EÚ * 18.5 x M Æ EÚ S ]«ıæ EÚ +ti x { { Œ i EÚ E Ú {  ={ ± v EÚÆ M ΩË + ËÆ ÈEÚ E Ú <]ı  V O Ω EÚ Â + ËÆ + V x i EÚ O Ω EÚ ÈEÚÆ Æ i E Ú x I j  v i Ω i { h «V x EÚ Æ n i ΩË * = EÚ Æ ÈEÚ u Æ ± M M ±EÚ EÚ Æ h V x v Æ h EÚ S x E Ú ± B <]ı  EÚ i EÚ M * 18.6 v x EÚ «± + ËÆ + S ± EÚ EÚ «± i Æ { Æ O Ω EÚ i Ë`ˆEÚ Â Â x M Æ EÚ S ]«ıæ E Ú EÚ «x x EÚ M i + ËÆ = S i Ω Æ Ω i EÚ x M Æ x EÚ V Æ Ω ΩË * x Æ I h + v EÚ Æ J +   n x EÚ M <«O Ω EÚ EÚ M h k EÚ V S EÚÆ i ΩË * 18.7 ÈEÚ x O Ω EÚ Â / V x v Æ h EÚ +{ x n Ω / EÚ i  E Q x Æ h Ω i ]ı ± x Æ E Ú l BEÚ EÚ Ï± x]ıæ l { i EÚ ΩË * V x v Æ h EÚ ={ ± v ={ «HÚ v +  EÚ p h B o v  u Æ EÚ Ú S Æ n M ΩË * 18.8 =SS i i Æ EÚ O Ω EÚ x B Æ J x EÚ Ω i z { Æ { j  E Ú W Æ B n Ω Æ M * ÈEÚ x O Ω EÚ Æ I Ω i B B B ""B ]ı E Ú Æ '' x EÚ BEÚ x i j EÚ ΩË * i n x Æ O Ω EÚ n ÈEÚ EÚ b C]ı B B EÚ i π]ı x Ω i BEÚ π]ı <± x Æ Â B B B E Ú W Æ B EÚ i V EÚi ΩË * O Ω EÚ Â EÚ +{ x EÚ i  EÚ n V «EÚÆ x + ËÆ O Ω EÚ Â v Æ E Ú ± B Z n x Ω i Ω Æ 18.4 The establishment of the new Customer Service Department and the immediate response has had very positive impact. The number of complaints has come down significantly and many complainants have conveyed their appreciation for the quick response by the Bank and immediate resolution of the complaints The updated version of Citizen s Charter is made available in booklet form and also in the Bank s website, which provides customers and the general public with the key information regarding the common areas of customer-banker relationship. Similarly the details of service charges levied by the Bank are also published in the Bank s website for the information of the public Progress of implementation of Citizen s Charters and the Fair Practices Code is also being monitored at Head Office and Zonal Office level Customer Service Committee meetings. Inspecting officials are also examining the quality of customer service rendered at the branches Bank has also established a Call Centre with Toll free No enabling the customers/ general public to clear their doubts/ complaints expeditiously. Adequate publicity of the aforesaid facilities available to public is in place both through print and visual media The importance of maintaining highest level of customer service has been reiterated through various circulars. Bank has also launched an innovative mechanism called SMS SBT CARE for customer care. Accordingly, the customers can send a query by sending an SMS in a particular mobile number, if they require any information about the Bank s products and services or if they are not satisfied with any of the services. Customer Day or Open House Meet is observed at all the offices

50 50 Znh-ktam A {]hrøn Znh-ktam BsW- n AXn-\-SpØ Znh-kw) D]t`m r Zn\-ambn BN-cn- p-h-cp- p. CS- ]m-sp-im v Ah-cpsS ]cm-xn-itfm D]- t`m r tkh\w sa -s -Sp-Øp- -Xn-\p \n tz-i-ßtfm D -bn- p- -Xn-\p Ahk-c-am-W-Xv _m nmv timuvkv & Ãm tu Uvkv t_m Uv Hm^v C y (BCSBI) dnk hv _m v kvt]m k snøp cpn- à snø-s skmssk n-bmb _m nmv timuvkv & Ãm tu Uvkv t_m Uv Hm^v C y (BCSBI) bn \ΩpsS _m v AwK-am- Wv. CS-]m-Sp-Im-tcm-Sp _m ns {]Xn-_- X kw_- n \S-]-Sn- w \ΩpsS sh_vssk- n e`y-am-wv. _m nwkv \S- ]Sn{Ia-ß-fpsS G hpw Ipd am\-z-wvu߃ ]men- -s -Sm-\p Hcp kzbw \nb- { -W-N- -am-wn-xv. CXv ]cn-]m-en- -s -Sp- -Xn- \mbn sluv Hm^okv Xe-Øn su]yq n P\-d amt\-p (Iw-π-b kv)s\ Npa-X-es -Sp-Øn-bn- p- v. CXp kw_- n \n hlw dnt m v _m v h jw-txmdpw BCSBI bv v ka n- p- p- v. 19. tim td v `cwaqey߃ _m v `cwaqeyßfpss ani \n hlw Øns ImcyØn {]Xn_ X ]men p p. tim td v `cwaqeyßfn taep Hcp hniz dnt m v hm jni dnt m ns A\p_ ambn Dƒs SpØn bn p v. 20. hnh-cm-h-im-i-\n-baw se hnh-cm-h-im-i-\n-baw Ime-b-f-hn _m n \S- m- n. {]kvxpx \nb-a-ønse hyh-ÿ-i-f-\p-k-cn v sk {S ]ªnIv C ^ ta-j Hm^ok am-tcbpw Akn-à v sk {S ]ªnIv C ^ ta-j B^o-k am-scbpw A te v AtXm-dn- n-i-sfbpw \nb-an- p. _m ns\bpw _ -s Imcy-ß-sfbpw ] n hnhc-߃ At\z-jn- p-sim- p s]mxp- P\ßfpsS At]- -Iƒ kzoi-cn- p- - Xn\pw \n nx ka-b-øn-\p- n adp-]sn \ Ip- -Xn-\p-ap kwhn-[m-\-sam-cp- n-bn- p- v. Cu \nb-a-a-\p-k-cn v e`n At\z-j- W-߃ pw At]- -Iƒ pw IrXy-k-a-b- Øp-Xs adp-]sn \ In. \S- p-h jw Cu \nb-a-{]-imcw 486 At]- -Iƒ e`n- p- Ibpw \n n-x-k-a-b-øn-\p- n Ah-bv pta \S-]-Sn-I-sf-Sp- p-ibpw snbvxp. Ω x EÚ 15 i Æ J EÚ ( n 15 EÚ U Ù] ı]ı ΩË + v n x Ω i +M ± n x EÚ ) { Æ M `ˆx Ω i ÈEÚ E Ú EÚ «±   ""O Ω EÚ n '' ""+ { x Ω = ]ı'' EÚ + V x EÚ V i ΩË * 18.9 ÈÀEÚM EÚ b Bhb ]Ëıhb b «b«+ Ï Ú < b ( B + <«) ÈEÚ, ÈÀEÚM EÚ b Bhb ]Ëıhb b «b«+ Ï Ú < b EÚ n ΩË V Æ i Æ W «ÈEÚ u Æ V i { V EfiÚi <]ı ΩË * O Ω EÚ Â E Ú i ÈEÚ EÚ S x r i EÚ EÚ b Ω Æ <]ı { Æ ={ ± v ΩË * Ω ËŒSUÙEÚ EÚ b ΩË V ÈÀEÚM ËŒC]ı EÚ x x i i Æ l { i EÚÆ i ΩË * ={ Ω xv EÚ (+x { ± x ) v x EÚ «±  { n x i v x EÚ b +x { ± x + v EÚ Æ ΩË * +x { ± x EÚ v i Ãπ EÚ Æ h ÈEÚ u Æ B + <«EÚ i i EÚ V i ΩË * 19. EÚ ÏÆ { Æ ]ı x j h ÈEÚ { h «ÚÃi E Ú l EÚ ÏÆ { Æ ]ı x j h E Ú I j  = S i EÚ Æ Æ E Ú ± B i r ΩË * EÚ ÏÆ { Æ ]ı x j h EÚ i fii Æ { ]«ı +x ± Mx EÚ E Ú {  Ãπ EÚ Æ { ]«ı  n M <«ΩË * 20. S x + v EÚ Æ + v x π « E Ú n ËÆ x ÈEÚ Â S x + v EÚ Æ + v x 2005 ± M EÚ M * + v x E Ú +x Æ x v «Æ i  E Úxp V x S x + v EÚ Æ, Ω EÚ E Úxp V x S x + v EÚ Æ B +{ ± v EÚ Æ x i EÚB M B i l ÈEÚ B v i ±  E Ú Æ Â S x M x ± V x i + n x / ± {i EÚÆ x + ËÆ x i  i ieú ± =k Æ n x Ω i BEÚ h ± l { i EÚ M <«* π «E Ú n ËÆ x + v x E Ú +xi M «i {i + n x / ±  EÚ i ieú ± x { ]ı x EÚ M * π «E Ú n ËÆ x ÈEÚ EÚ + v x E Ú +xi M «i n x {i Ω B i l + n x  EÚ i ieú ± B E Ú i Æ x { ]ı x EÚ M * of the Bank across the Organisation on the 15th of every month (next day, if 15th is a holiday or half day), to enable the customers to voice their grievances or offer suggestions for the betterment of customer service Banking Codes & Standards Board of India (BCSBI) The Bank is a member of the Banking Codes & Standards Board of India which is a registered society sponsored by Reserve Bank of India. The Code of Bank s Commitment to Customers is available on the website. This is a voluntary Code, which sets minimum standards of banking practices. The Deputy General Manager (Compliance) is the designated Principal Code Compliance Officer at Head Office. The relative Annual Statement of Compliance has also been submitted by the Bank to the BCSBI. 19. Corporate Governance The Bank is committed to the best practices in the area of Corporate Governance, in letter and in spirit. A detailed report on Corporate Governance is given as annexure in the Annual Report. 20. Right To Information Act The Right to Information Act, 2005, was implemented in the Bank during In terms of the Act, Central Public Information Officers, Asst. Central Public Information Officers and Appellate Authorities were nominated and a system was put in place to receive the applications /queries from the public seeking information about the Bank and related matters and to furnish reply promptly within the stipulated time limit. The applications/ queries received under the Act during the year were replied promptly. During the year, Bank received 486 applications under the Act and all the applications were disposed of promptly and within the time frame.

51 KYC am\-z-wvu-ßfpw AML/CFT \S-]-Sn-Ifpw 21.1 dnk hv _m ns \n tzim\pkrxambn CS-]m-Sp-Imsc Adn-bm-\p am\-zfi߃ (KYC), I - Ww shfp- n- p- -Xn-s\-Xn-cmb \S-]-Sn-Iƒ (AML) kmº- ØnI Xo{h-hm-Z-Øn-s\-Xn-cmb \-S]-Sn-Iƒ (CFT) F n-h-sb- p-dn- p t_m Uv AwKo-I-cn-, _m ns ]cnjv cn -\bw \ne-hn-ep- v. KYC/AML/CFT \b-߃ ]men- p- -Xn\v ta t\m w hln- m-\mbn sluv Hm^o-kn Hcp ka nx KYC-AML sk {]h Øn- p-h-cp- p. su]yq n P\-d amt\- P (Iw-π-b kv) BWv _m nse KYC-AML kwhn-[m-\-øns {]n kn- Hm^o-k se I - Ww shfp- n- p- -Xn\v FXn-sc-bp \nb-a-a-\p-k-cn v Bh-iy-amb dnt m p-iƒ ^n\m jy C -en-p kv bqwn v C ybv v (FIU-IND) ka n- p- -Xn-\p-th- n- ]W-an-S-]m-Sp-Iƒ \nco- n- p- p. ]W-an-S-]m-Sp-Iƒ \nco- n- p- -Xn\v ]n pw \ Im\pw \S- m- m-\p-ambn A\ptbm-Py-amb tkm^v vshb _m v \S- m- nbn- p- v. _m ns F m imj-i-fn-sebpw ]W-an-S-]m-Sp-Iƒ Cu tkm^v vsh-b ssz\w- Zn-\m-Sn-ÿm-\-Øn ssiimcyw snbvxv {]Xn-amk ]W-an-S-]mSv dnt m p-iƒ (CTRs), {]Xn-Zn\ kwi-bm-kv]z CS-]m-Sp-I-fpsS dnt m pifpss -(STRs) {]Xn-Zn\ Alert Iƒ KYC-AML sk ns hni-i-e-\-øn-\mbn Xbm-dm- -s -Sp- p. I p-]n-sn- -s - m FIU- IND \v hymp Id kn dnt m p-iƒ, bymkabw Ab-bv p- p _m n KYC-AML s\ p-dn- p ]cnio-e\w XpS -bmbn \ In-h-cp- p. tkmw /dopy-w Hm^okv Xe-ß-fnse skan-\m-dp-iƒ, tewnwkv sk p-iƒ, imjm kµ i\w F n-h-hgn Poh-\- m p Ah-t_m-[-]-cn-]m-Sn-Iƒ ÿnc-ambn kwl- Sn- n- p- p. CS-]m-Sp-Im-cpsS {]k- -amb hnhc߃ kq n- phm \ne-hn-ep hnh-c-ti-jcw bymkabw ]pxp p p. 22. \nb-a-]-c-amb tkh-\-߃ _m ns hnhn[ {]h Ø-\-ß-fn kp{]- [m\ ] v hln- p kpk- -amb Hcp \nb-a-hn-`mkw _m n-\p- v. CXns `mkambn hnhn[ ti{µ-ß-fn \nba Hm^ok amsc \nb-an- n-cn- p- p. Cu hn`mkw tikv A[n-jvTnX tcj-iƒ Xbm-dm- p-i, hmbv]m-tc-j-i-fpss ]cn-tim-[-\, \nb-a-{]- iv\-ß-fn D]-tZiw \ IpI XpS-ßnb Npa-X-e-Iƒ \n h-ln- p- p. Xncn- p-]n-sn- {]{In-b-bn \nb-a-hn-`mkw apjy-]- mwv hln- p- -Xv. l Pn-Ifpw IpSn-»n-I- m s -Xn-cmb Xncn- p-]n-sn- {]{In-bbv p At]- -Iƒ XpS-ßn-sh-bv p { x O Ω EÚ EÚ V x x n hb & Bh]ı x ± hb ÀÆ M / B Ú ]ı ={ 21.1 ÈEÚ x Æ i Æ W «ÈEÚ u Æ V Æ M «x nê  E Ú +x Æ +{ x O Ω EÚ EÚ V x (E Ú <«) Bh]ı x ± Ïhb ÀÆ M (B B B± ) / B Ú ]ı ={  { Æ b«u Æ +x n i v i x i EÚ +{ x * E Ú <«/ B B B± / B Ú ]ı ={  E Ú +x { ± x E Ú ± B v x EÚ «±  BEÚ Ã{ i E Ú <«/ B B B± / EÚI EÚ «Æ i ΩË * ÈEÚ Â E Ú <«/ B B B± E Ú J + v EÚ Æ E Ú {  ={ Ω xv EÚ (+x { ± x ) EÚ { n x i EÚ M ΩË * 21.2 x x + Ï Ú x ± Ïhb ÀÆ M + v x 2002 u Æ + n i EÚB +x Æ Ú <x ËŒ ± <x] ı ± V x] ı x ]ıı-< b EÚ +{ I i Æ { ]«ı i i EÚÆ x E Ú =q l «± x n x  EÚ x M Æ x EÚ V i ΩË * ± x n x EÚ x M Æ x E Ú EÚ «x x + ËÆ Ω Æ n x EÚ o Œπ]ı ÈEÚ x BEÚ = S i }]ı Æ +ÃV i EÚ V ÈEÚ E Ú J +  u Æ EÚ V x ± ± x n x  EÚ në x EÚ + v Æ { Æ EÚ V i ΩË + ËÆ E Ú <«/ B B B± EÚI u Æ ± π h E Ú ± B Ω Æ n x n Mv ± x n x Æ { ]«ı B± ]«ı E Ú l =i{ z EÚ V Æ Ω ΩË * V EÚ V ± x ]ı { V i ΩË, V ± EÚÆ Æ { ]ı Á EÚ B Ú + <«+ <«Bx b EÚ i i EÚ V Æ Ω ΩË * 21.3 ÈEÚ Â E Ú <«/ B B B± { Æ I h + Æ i + v Æ { Æ n V Æ Ω ΩË * + S ± EÚ / I j EÚ «± i Æ { Æ M Œπ`ˆ  E Ú W Æ B Y x V «x E Úxp + ËÆ J n ËÆ E Ú + Æ { Æ ]ı Ú V M EÚi EÚ «GÚ S ± B V i Ω Ë * r O Ω EÚ Â EÚ b ]ı +ti x EÚÆ x Ω i O Ω EÚ Â E Ú i «x b ]ı + v Æ EÚ b ]ı C± Œx M + S ± V Æ Ω ΩË * 22. v EÚ Bƒ ÈEÚ EÚ z E Úxp   x HÚ v + v EÚ Æ Â E Ú l l { i v M ΩË V ÈEÚ E Ú z EÚ «EÚ± { Â Â Ω i { h «EÚ x i ΩË * Ω Ω J EÚ «EÚ± {, V Ë EÚn π n i V  EÚ i Ë ± J  EÚ UÙ x x / I / v EÚ +  { Æ ± Ω n x + n EÚÆ i ΩË * ± E Ú ±  v M BEÚ 21. KYC Norms & AML/CFT Measures 21.1 The Bank has put in place a Board approved revised policy on Know Your Customer (KYC) / Anti Money Laundering (AML) / Countering Financial Terrorism (CFT) measures in line with the guidelines issued by Reserve Bank of India. A dedicated KYC-AML Cell is functioning in the Head Office of the Bank to oversee the compliance of KYC/AML/CFT measures. Deputy General Manager (Compliance) is the designated Principal Officer for KYC/AML in the Bank Monitoring of transactions is carried out for submitting the required reports to Financial Intelligence Unit-India, (FIU-IND), as mandated by Prevention of Money Laundering Act With a view to implementing and supporting monitoring of transactions, the Bank has acquired appropriate software that processes all transactions handled by all branches of the Bank, on a day-to-day basis. The software generates Suspicious Transaction Reports (STRs), Monthly Cash Transaction Reports (CTRs) and other alerts for analysis by the KYC-AML Cell. Counterfeit Currency Reports (CCRs) are being submitted to FIU-IND as and when detected Training on KYC/AML is being imparted on an ongoing basis in the Bank. Staff awareness programmes are conducted regularly at Zonal/ Regional Office levels, Learning Centres and during branch visits. Data cleansing of the existing database of customers is now undertaken to update all relevant customer data. 22. Legal Services The Bank has a well-established Law Department with law officers placed at various centres. It performs multifarious activities such as preparation of case specific documents, examination/scrutiny of loan documents, giving advice on legal issues etc. The Law Department plays an important role in the matter of recovery. Suits and

52 52 Xpw XpS \-S-]-Sn-Iƒ FSp- p- -Xpw, \nba-hn-`mkw / \nb-a-hm-^o-k am-cm-wv se SARFAESI BIvSns `mk-ambn kpc Dd- p-h-cp-øp- -Xn-\mbn \S- m- nb \S-]-Sn-Isf- p-dn v imj-i-sfbpw a v DtZym-K-ÿscbpw klm-bn- p- Xpw \nba-hn-`m-k-am- Wv. _m ns _nkn-\ v CS-]m-Sp-Ifn \n v cq]w-sim- Xpw Poh-\- mcpw hnc-an Poh-\- m-cpw hnhn[ sslt m-s- Xn-Iƒ, {Sn_yq-W-ep-Iƒ, knhn tims-xn- Iƒ, D]-t`m r kan-xn-iƒ, Hmw_p- Uvkvam, sxmgn tims-xn-iƒ F n-hn-sß-fn ka n- n- p-, hnhn[ l Pn-Ifpw s bn-ap-ifpw \nb-a-hn-`m-k-øns D]tZiØns ASn-ÿm-\-Øn-emWv hmzn- -s -Sp- -Xv. 2005se hnh-cm-h-imi \nb-a- {]-Imcw ka n- n- p At]- -I-tfbpw A o-ep-i-sfbpw Ipdn v sk {S ]ªnIv C ^ ta-j Hm^o-ksdbpw A]te v AtXmdn ntbbpw D]-tZ-in- p- Xv \nb-a-hn- `m-k-am-wv. \nb-ahpw \nb-a-]-cn-]m-e-\hpw kw_- n Imcy-ß-sf- p-dn v Poh-\- m v ]cn-io-e\w \ Ip- -Xnepw \nba hn`mkw Dƒs - n-cn- p- p. _m v imj- Iƒ pw AUvan-\n-kvt{S- ohv Hm^o-kp- Iƒ pw \nb-tam-]-tz-ihpw \n tz-i-ßfpw \ Ip-Ibpw ÿnc-ambpw XpS -bmbpw hnhn-[-ß-fm-b \nb-a-{]-iv\-߃ ssiimcyw snøp- Xpw \nb-a-hn-`m-k-am-wv. F m {]h Ø\ tajeifnepw _m ns Xm cyw kwc- n- p- -Xn-\mbn \nb-a-hn- `mkw \S-]-Sn-I-sf-Sp- p p. 23. s]mxp-p\ kº hpw {]Nm-cW {]h Ø-\-ßfpw 23.1 s]mxp-p-\-k-º ]cn-]m-sn-i-fp-ssbpw ]c-ky-{]-nm-c-w-ß-fp-ssbpw F m-ta-j-e-ifnepw _m v hfsc kpo-h-am-bn-cp- p. _m ns tim -td v {]Xn- mb AXns {]h Ø-\-a-WvU-e-Øn, s]mxp-p-\- ߃ pw k m-cn\pw a v ÿm]-\- ߃ p-an-s-bn, {]Ncn n p- -Xn\mbn k m hip- p-iƒ, am[y-a-߃, Itºmf- -km-aq-lni kwl-s-\-iƒ F n-h-cp-ambn {]txy-in pw s]mxp-p-\-ß-fp-ambn s]mxphnepw hfsc ASpØ GtIm-]-\-amWv _m v ]pe Øn-b-Xv ]pxnb hmbv]m D - -߃ P\-Iob-am- p- -Xn\v ]{X-߃, tlm Un-Mvkv, C s\-dv, tdun-tbm, ssen-hn-j am[ya߃ F n-h-bn-eqss AXn-hym-]-I-amb ]cky-{]-nm-c-ww \SØn. imjm-x-e-øn-ep hn]-w-\-{i-a-ßsf tim -td v Xe-Øn h jw apgp-h \o p-\n. Xo{h-amb ]cky-{]-nm-c-w-øn-eqssbpw A\p-]q-c-I-am- nb X{ hpw hfsc ani ^e-ß-fmwv Df-hm- n-b-xv. imj-i-fpss D Lm-S-\- Øn\pw {][m\ Znh-k-߃ / kµ `-߃ Ω i { h «EÚ x i ΩË * v M / v + v EÚ Æ Â u Æ S EÚEÚi «E Ú Ø r ± Ω i EÚn + ËÆ +x { ± x EÚÆ i ΩË * k + Œ i  E Ú i i EÚÆ h + ËÆ { x Ãx «h E Ú +xi M «i i i E Ú i «x i l C Æ ]ı <x]ıæ ]ı + v x 2002 ± M EÚÆ x Ω i Æ i EÚ Æ«<«E Ú ±  J +  + ËÆ +x { Æ S ± x i EÚ EÚ «EÚi «+  EÚ n n n i ΩË * ÈEÚ E Ú Ø r z =SS x ±, x v EÚÆ h ± EÚ ]«ı, ={ HÚ S, + b x + ËÆ +x v EÚ Æ Â E Ú l n Æ EÚ M z ÈEÚ u Æ ± B M B EÚ Æ Æ M i v  =i{ z + ËÆ EÚ «S Æ Â + ËÆ x fik EÚ «S Æ Â u Æ n Æ EÚ M +ÃV i + ËÆ n v M E Ú ± Ω + ËÆ M «n «x E Ú +xi M «i i n EÚ V i ΩË * Ω E Úxp ± EÚ S x + v EÚ Æ + ËÆ +{ ± / v EÚ Æ EÚ, S x + v EÚ Æ + v x 2005 E Ú +xi M «i n Æ EÚB M B + n x  + ËÆ +{ ±  { Æ ± Ω n i ΩË * v + ËÆ EÚ «v Œ ± i ±   ]ı Ú EÚ I h n x  M ± i ΩÈ * v + v EÚ Æ z EÚ x x ±  EÚ x i + ËÆ x Æ i Æ {  ± i ΩÈ + ËÆ J +  + ËÆ x EÚ EÚ «±  EÚ EÚ x x ± Ω + ËÆ Z n x EÚÆ i ΩÈ + ËÆ EÚ «EÚ± {   ÈEÚ E Ú Ω i EÚ Æ I EÚÆ x Ω i EÚn =`ˆ i ΩÈ * 23. V x { E«Ú + ËÆ S Æ 23.1 ÈEÚ V x { E«Ú, S Æ + ËÆ Y { x E Ú I j Â Â Ω i GÚ Æ Ω ΩË * ÈEÚ π { Æ EÚ Æ M, b, h ŒV EÚ B ± M `ˆx  i l x { V x v Æ h E Ú l c j  V x v Æ h E Ú S +{ x { Æ S ± x i EÚ { «Æ h  < EÚ EÚ Ï{ ÊÆ ]ı < V EÚ n «i Ω B Æ EÚ Æ + ËÆ +x l M i x EÚ Â E Ú l x EÚ]ı { E«Úı Æ J * 23.2 b C]ı  E Ú S Æ EÚÆ x E Ú ± B S Æ { j, Ω Õb M ; <x]ıæ x ]ı + ËÆ Æ c, ]ı S Ëx ± E Ú W Æ B { EÚ EÚ Æ V n l * EÚ Ï{ ÊÆ ]ı i Æ { Æ { Æ π «Â M Ω x Y { x + x u Æ J +   { h x g x EÚ x i ± { Æ h ± * J +  E Ú J ± x, DRT applications for recovery against the defaulters are initiated and followed up by the Law Department/Law Officers. It assists the branches and other operational functionaries in the matter of actions initiated for enforcement of security under the SARFAESI Act, Various petitions and claims against the Bank filed in various High Courts, Tribunals, Civil Courts, Consumer Fora, Ombudsman, Labour Courts and other authorities, emanating from the business activities undertaken by the Bank and also those filed by employees and retired employees are defended under the advice and guidance of the Law Department. It advises the Central Public Information Officer and the Appellate Authority on the applications and appeals filed under the Right to Information Act, It is also involved in the training of the staff in matters involving law and practice. The Law Officers are regularly and continuously handling varied legal matters and offering legal advice and suggestions to the branches and Administrative Offices and take steps to safeguard the interest of the Bank in all its sphere of activities. 23. Public Relations And Publicity 23.1 The Bank was very vibrant in all the fields of Public relations, Publicity and Advertisement. Bank maintained very close liaison with Government Departments, media, Commercial and Social organizations, in particular, and Public, in general, projecting Bank s corporate image in its operating environment among public at large, Government and other institutional bodies Extensive coverage is given through the newspapers, hoardings, Internet, radio and TV channels to popularize new products. The strategy of supplementing the marketing efforts at the branches with an intensive advertisement campaign all through the year at the corporate level yielded impressive results. Corporate advertisements were released on opening of Branches, and celebration of important days/occasions. Product advertisements were regularly

53 53 BN-cn- p- -Xn\pw tim -td v ]c-ky-߃ \ In. {]mtz-ini ]{X-ß-fnepw tzio-b-xe-øn {]Nm-c-ap ]{X-ß-fnepw DXv] kw_- n-bmb ]c-ky-߃ ÿnc-ambn \ In-t m- p. \ΩpsS CS-]m-Sp-Im v ]pxnb kmt -XnI D - -ß-ƒ ]cn- Nbs SpØp Xn\p-th n C s\ v _m nwkv, samss_ _m nw-kv, Hm sse t{sunwkv XpS-ßn-b-hsb kw_- n ]c-ky-߃ \ In Zn lnµp Zn\- {Xw kwl-sn- n hnzym Yn-Iƒ m-bp {]o -Iu k-enw-kv, ticf k m-cns Sqdnkw hmcm-tlm-j߃, alm-flm-km n k h-i-em-im-e-bpss cp-x-pq-_nen BtLm-j-߃, ^vfh tjm 2009, ticf k m-cns kp\man {]Z i- \w, AJn-te ym t]meokv Imbn-I-ta-f, s\lvdp t{sm^n h w-ifn XpS-ßnbhbpsS apjy kvt]m k am-cn-sem-cm-fm-bn-cp p _m v i_-cn-ae Xo Ym-S-I-cpsS \n n-x-amb _m nwkv Bh-iy-߃ -\p-kr-x-ambn ]ºbnepw k n-[m-\øpw Xo Ym-SI tkh-\-ti- {µ-ßfpw ]º-bn F.-Sn.-FΩpw Bcw-`n- p. _m n\v _rl-ømb k t cpw {]Nm-chpw t\sn-ø \S-]-Sn-bm-bn-cp p CXv. 24. lnµn-bpss h n D]-tbmKw 24.1 HutZym-KnI `mjm-\n-b-aw, N -߃ F n-h-bp-ambn _ -s \n_- -\-Ifpw C ym Kh sa n-s bpw dnk hv _m ns bpw \n tz-i-ßfpw _m v \S- m- n. \S- p-h jw, kviqƒ- -tim-tfpv hnzym Yn-Iƒ mbn hnhn[ lnµn a c-߃ kwl- Sn- n- p. sluv Hm^o-knepw tkmw Hm^okp-I-fnepw {]mtz-ini Hm^o-kp-I-fnepw lnµn ] hpw lnµn Zn\hpw BN-cn- p. "lnµn-bn kw`m-jww' F hnj-b-sø- p-dn v Xncp-h-\- -]pcw tkmw Hm^okn {]Xn-hmc lnµn inev]-ime kwl-sn- n- p. _m ns hm jni lnµn amkni "kzmxn' {]kn- o-i-cn- p. \S- p-h jw \ΩpsS timgn-t msv Hm^okv "arvpcn' F t]cn lnµn amkni ]pd-øn-d- n. {]mtbm-kni lnµn-bn Poh-\- m-cpss Adnhv h n- n- p- -Xn-\mbn lnµn inev]- im-e-ifpw {]mtbm-kni lnµn ]cn-]m-sn-ifpw kwl-sn- n- p. lnµn-`m-j-bn e`n IØp- Iƒ v lnµn-bn Xs adp-]sn \ In. Kh sa v Hm^v C y-bpssbpw dnk hv _m v Hm^v C y-bp-ssbpw HutZym-KnI `mjm \S-Øn p kan-xn-bpss Xncp-h-\- -]pcøp sh v \S tbmk-߃ v _m v BXn-tY-bXzw hln- p. Z n-tw y Bÿm-\-am-bp s]mxp-ta-jem _m p-ifpss HutZym-KnI `mjm kan-xn-bpss 48- -maxp tbmk-øn\pw _m v BXnYyw hln- p. Ω i { h «n Â/+ Æ Â EÚ x x E Ú v  EÚ Ï{ ÊÆ ]ı Y { x n M l * b C]ı Y { x l x + ËÆ + J ± Æ i S Æ { j   x i { n V i ΩË *Ω Æ O Ω EÚ Â EÚ x Ët M EÚ =i{ n  E Ú v  { Æ S i EÚÆ x Ω i <x]ıæ x ]ı ÈÀEÚM, <«± ÈÀEÚM, + Ïx ± <x ] ıàb M + n v i Y { x n M l * 23.3 ÈEÚ, n Ω xn u Æ + V i UÙ j  E Ú ± B EÚ = À± M, E ÚÆ ± Æ EÚ Æ EÚ { «]ıx {i Ω Æ Ω, B V x à ]ı ± Æ V ± Æ Ω, }± Æ 2009, E ÚÆ ± Æ EÚ Æ EÚ x n «x, + J ± Æ i { ± +l ± ]ıeú ],ı x Ω Ø ] ı Ï Ú ]ı Æ + n E Ú J V EÚ Â Â BEÚ l * 23.4 ÈEÚ x { { + ËÆ Œz v x  i l «j E Úxp J ± + ËÆ Æ ± E Ú i l «j  EÚ ÈÀEÚM +{ I +  EÚ { Ãi Ω i BEÚ B ]ı B { {  l { i EÚ V ÈEÚ EÚ { EÚ S Æ + ËÆ x ± * 24. Ω xn EÚ M M 24.1 ÈEÚ x Æ V π + v x, x  v i v x  + ËÆ Æ i Æ W «ÈEÚ i l Æ i Æ EÚ Æ E Ú +x n  x n  EÚ +x { ± x EÚ * π «E Ú n ËÆ x E Ú± - EÚ ± V i Æ E Ú t Ãl Â Ω i Ω xn  v i M i Bƒ + V i EÚ M <»* v x EÚ «±, + S ± EÚ EÚ «±  B I j EÚ «± Â Â Ω xn { J c B Ω xn n x M * Ω Æ + S ± EÚ EÚ «±, i Ø x xi { Æ x Ω xn  i S i EÚÆ x E Ú ± B {i Ω EÚ Ω xn EÚ «± EÚ + V x EÚ ΩË * ÈEÚ EÚ Ω xn { j EÚ i EÚ i EÚ M <«* π «E Ú n ËÆ x, Ω Æ + S ± EÚ EÚ «±, EÚ π EÚ c x V Æ { j EÚ EÚ EÚ x EÚ * ]ı Ú n  E Ú ± l «Ω xn EÚ «± Bƒ B V x ± EÚ Ω xn EÚ «GÚ, V x ± EÚ Ω xn EÚ Y x g x E Ú ± B + V i EÚ M <»* Ω xn  {i { j EÚ =k Æ Ω xn  n M * ÈEÚ x Æ i Æ EÚ Æ B Æ i Æ W «ÈEÚ EÚ Æ V π EÚ «x x i EÚ Ë`ˆEÚ EÚ W x i Ø x xi { Æ Â EÚ * ÈEÚ x n I h Œ l i «V x EÚ I j E Ú ÈEÚ Â EÚ 48 Ë`ˆEÚ EÚ V x i Ø x xi { Æ Â EÚ * released in local and all India newspapers. Advertisements relating to Internet Banking, Mobile Banking, On-line Trading etc, were released in order to familiarize the customers with new technology products The Bank was one of the main sponsors of students Pre-counseling conducted by The Hindu, Tourism Week Celebrations of Government of Kerala, MG University Silver Jubilee Celebrations, Flower Show 2009,Tsunami Exhibition of Government of Kerala, All India Police Athletic Meet, Nehru Trophy Boat Race, etc The Bank opened pilgrim service centre at Pampa, Extension Counter at Sannidhanam and ATM at Pampa to cater to specific banking requirements of the pilgrims to Sabarimala, which generated tremendous publicity and goodwill for the Bank. 24. Progressive Use of Hindi 24.1 The Bank complied with the provisions relating to the Official Languages Act, Rules and instructions and directives of Government of India and Reserve Bank of India. During the year, various competitions were held for School/College level students in Hindi. The Hindi Fortnight / Hindi Day was also celebrated in Head Office, Zonal Offices and Regional Offices. Weekly Hindi Workshop on Conversation in Hindi was introduced at Zonal Office, Thiruvananthapuram. Annual publication Swathi, the Bank s Hindi Magazine was also published. Zonal Office, Kozhikode published Manjari a Hindi Magazine during the year. Hindi Workshops and Functional Hindi Programme were conducted for the benefit of staff members to increase the knowledge of functional Hindi. Letters received in Hindi were replied to in Hindi. The Bank hosted meeting of the Official Language Implementation Committee of Government of India and Reserve Bank of India at Thiruvananthapuram. The Bank also hosted the 48th Meeting of Official Language Committee of South Based Public Sector Banks at Thiruvananthapuram.

54 kwÿm-\sø lnµn {]Nm-c-I pw Fgp-Øp-Im pw th n-bp "]n.-pn. hmkp-tzhv ]pc-kv m ' _m v kvt]m k snbvxp. kwÿm-\sø lnµn Fgp-Øp- Im p "Fkv.-_n.-Sn. lnµn kmlnxy ]pc-kvim ' Xncp-h-\- -]p-cøp hnx-cww snbvxp ticf lnµn {]Nm-c-k` kwl-sn- n kwÿm\xe HutZym-KnI `mjm {]Z i-\- Øn _m v ]s -Sp- p-ibpw HutZym-Kn-I- `mjm \bw \S- m- p- -Xn H mw ÿm\- Øn-\p jo Uv t\sp-ibpw snbvxp. HutZym-KnI `mjm \bw \S- m- p- -Xn\v Xncp-h-\- -]p-cøv ÿnxn-sn-øp s]mxpta-jem _m p-iƒ v Su HutZym-Kn-I- `mjm \n h-lw kanxn G s -Sp-Ønb jo Uv _m ns sluv Hm^o-kn-\pw Xncph\ ]pcw tkmw Hm^okn\pw e`n- p. sim n-bnse dopy-w Cwπn-sa-t - j IΩn n HutZym-KnI `mjm \bw \S- m- p- -Xn\v G s -Sp-Ønb Ahm Uv timgnt msv tkmw Hm^o-kn-\v e`n- p. 25. imjm-irw-je _m n\v 10 k hokv imj-i-ƒ, Hcp A t±-iob k hokv imj, 5 Itagvky s\ vh v imj-iƒ, 5 kvs]jyssekvuv SME imj-iƒ, 4 {]hmkn imj- Iƒ, 4 {Sjdn imj-iƒ, 11 kvs]jyssekvuv hy -n-kx imj-iƒ, 3 BkvXn Xncn- p-]n-sn- ]cn-]m-e\ imj-iƒ, 10 kvs]jy-ssekvuv Im jni hni-k\ imj- Iƒ, 1 ssat{im-s{i-un v imj, h\n-xm-kwcw-`-i m-bp 1 imj, 1 hntzi imj, 1 MICR imj, kwÿm\ k m CS-]m-Sp- Iƒ p 1 imj F n-h-b-s w _m n\v 748 imj-i-fp-ssbpw 19 FIvà j Iu -dp-i-fp-ssbpw irwj-e-bm-wp- -Xv. \S- p-h jw 22 imj-i-fmwv Bcw-`n- -Xv. sim w, amth-en- -c, ]Ø-\w-Xn F nhn- S-ßn aq v {]mtz-ini Hm^o-kp-Iƒ am n ÿm]n- p. Fd-Wm-IpfØpw _mw q-cp-ap c v C U-kv{Sn-b ^n\m kv imj-iƒ Ita-gvky imj-i-fmbn ]cn-h Ø\w snbvxp. \S- p-h jw 12 imj-iƒ am p-ibp- m-bn._m ns {]h Ø\w 13 kwÿm\ßfnepw 3 ti{µ `cw{]tzi ßfnepw hym]n p InS p p. 50 ti{µ-ß-fn imj-iƒ Xpd- p- -Xn-\p dnk hv _m v AwKo-Imcw _m v Ic-ÿ-am- n-bn- p- v ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ x Æ V Â Æ V π Ω xn EÚ Ω i n x E Ú ± B S Æ EÚ Â B ± J EÚ Â E Ú ± B {. V. n { Æ EÚ Æ B ""B..]ı. Ω xn Ω i { Æ EÚ Æ '' V i EÚ i l Ω + b«e ÚÆ ± E Ú S x i Ω xn ± J EÚ Â EÚ i Ø x xi { Æ Â + V i Æ Ω Â n x EÚ M * 24.3 ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ x E ÚÆ ± Ω xn S Æ u Æ l { i Æ V i Æ Ω xn n «x  M ± i l Æ V π x i E Ú EÚ «x x Ω i l { Æ EÚ Æ ±b V i * Ω Æ v x EÚ «± i Ø x xi { Æ x «V x EÚ I j E Ú ÈEÚ Â Â i Ø x xi { Æ Â Œ l i Æ V π x i E Ú EÚ «x x Ω i l { Æ EÚ Æ ±b V i * + S ± EÚ EÚ «±, EÚ π EÚ c x I j EÚ «x x EÚ «±, EÚ S x x Æ V π x i E Ú EÚ «x x Ω i ±b {i EÚ ΩË * 25. J x ]ı E«Ú ÈEÚ EÚ 10 J + Â Ω i 748 J B, 19 i Æ EÚ = ]ıæ, 1 +xi Æ «π] ı J, 5 h ŒV EÚ x ]ı E«Ú J B, 5 π EfiÚi B B <«J Bƒ, 4 Bx + Æ + <«J B, 4 ] ı Æ J B, 11 π EfiÚi Ë HÚEÚ M x]ı J Bƒ, 3 + Œ i ± xv x J Bƒ, 10 π EfiÚi EfiÚ π EÚ J Bƒ, 1 <GÚ G Ú b ]ı J, 1 Ω ± =t  E Ú ± B BEÚ π J, 1 + Æ W J, 1 B + <«+ Æ + ËÆ Æ V Æ EÚ Æ ± x n x  E Ú ± B 1 J EÚ x ]ı E«Ú ΩË * < π «22 J B J ± M <«* 3 I j EÚ «± EÚ ±±, ± CEÚÆ + ËÆ { k x i ] ı]ı  l { i EÚ M * BÆ h E Ú± + ËÆ ÂM ± Æ E Ú n + Ët M EÚ k J +  EÚ h ŒV EÚ J  n ± n M * π «E Ú n ËÆ x 12 J +  EÚ { Æ Æ n ± M * 13 Æ V  + ËÆ 3 P i n   ÈEÚ EÚ ={ Œ l i n V «ΩË * ÈEÚ E Ú { + 50 x <«J B J ± x EÚ Æ Ë v EÚÆ h ΩË * 24.2 The Bank has sponsored P.G. Vasudev Puraskar and S.B.T. Hindi Sahitya Puraskar for the propagandists and writers of Hindi in the state. The awards were distributed to selected Hindi Writers of Kerala at a function held at Thiruvanathapuram The Bank participated in the State Level Official Language Exhibition instituted by Kerala Hindi Prachar Sabha and won the shield for First Position in the implementation of Official Language Policy. Head Office, Thiruvananthapuram and Zonal Office, Thiruvananthapuram secured shields instituted by the Town Official Language Implementation Committee, Thiruvananthapuram in the implementation of Official Language Policy in Public Sector Banks situated in Thiruvananthapuram. The Kozhikode Zonal Office of the Bank received the Award for the implementation of Official Language Policy from the Regional Implementation Office, Cochin. 25. Branch Network The Bank has a network of 748 branches and 19 Extension Counters, including 10 Service Branches, 1 International Service Branch, 5 Commercial Network Branches, 5 Specialized SME Branches, 4 NRI branches, 4 Treasury Branches 11 Specialised Personal Segment Branches, 3 Asset Recovery Management Branches, 10 Specialised Agricultural Development Branches, 1 Micro Credit branch, 1 Specialised branch for women entrepreneurs, 1 Overseas branch, 1 MICR branch and 1 Special Service branch for State Government Transactions. 22 branches have been opened this year. Three regional offices have been relocated at Kollam, Mavelikkara and Pathanamthitta. Two Industrial Finance Branches at Ernakulam and Bangalore have been converted to Commercial branches. 12 branches have been shifted during the year. The Bank has presence in 13 states and 3 union territories. The Bank has on hand RBI authorisation for opening 50 new branches.

55 tim -td v kmaq-lni DØ-c-hm- Zn-Øhpw lcn-x-_m- nwkpw tim -td v kmaq-lni DØ-c-hm-ZnØw (CSR), kpÿnchni-k\w (SD), kmº-ønti-xc dnt m nwkv (NFR) F n-h-sb- p-dn v BtKm-fm-Sn-ÿm-\-Øn Xs Ah-t_m[w h n- p-h-cn-i-bm-wv. Ah-cpsS \n n-x-e- y-߃ t\sp- Xn\nS-bn kpÿn-c-hn-ik-\-ß-sf- p-dn- p ImgvN- msv \jvs-s -Scp-sX v Dd- p-h-cp-øm kvym-]-\-ß-fpss `mk-øp-\n pw kwl-sn-x-amb {iaw Xs bp- v. Iº-\n-Iƒ Ah-bpsS _nkn-\ v {]h Ø-\-ß-fnepw D]-t`m- m- -fp-ambp CS-]m-Sp-I-fn-epw, kmaq-ln-ihpw ]cnÿn-xn-]-c-hp-amb Xm -cy-߃ ka-\z-bn- n- p- -XmWv tim -td v kmaq-lni DØc-hm-Zn-Øw. kmº-øn-i-hn-i-k-\-øn-\mbp {]b-xv\-øn ]cn-ÿn-xn-]-chpw kmaq-ln-i-hp-amb kwhn-[m-\-ß-fpss KpW- \n-e-hmcw ]cn-]m-en- p {]{In-b-bmWv kpÿn-c-hn-i-k\w F -Xp-sIm v Dt±-in- p- -Xv. Cu kml-n-cy-øn ÿm]-\-߃ Ah-cpsS {]hr-øn-i-sf- p-dn v dnt m v snøp kwhn-[m-\-amwv {]my-an-i-ambpw kmº-øn-ti-xc dnt m nwkv F -XpsIm v Dt±-in- p- Xv {]txy-in pw "{Sn vƒ t_m w-sse ' AXm-bXv ]cn-ÿn-xn-]-c-hpw, kmaq-ln-ihpw kmº-øn-i-]-c-hp-amb A u- nw-kv. temi-øns kmº-øn- Ihpw hni-k-\-]-c-hp-amb {]hr-øn-iƒ v kmº-øn-i-k-lmbw snøp- -Xn _m p- Iƒ AS- -ap kmº-øn-i-ÿm-]-\-߃ hln- p- - ] v IW- n-se-sp- p-tºmƒ kpÿnc hni-k-\-øn Ah-cpsS kw`mh\ kp{]-[m-\-am-wv. lcn-x-]-cn-ÿn-xnsb kpÿn-c-am- p- -Xn\v _m p-iƒ Hcp \bw cq]o-i-cn-t - -Xns Bh-iy-I-X-bn-eq- ns m v 2007 '08 dnk hv _m v Hm^v C y tim -td v tkmjy sdkvt]m kn- _n-en- n, ksã-bv\_vƒ suh-e-]vsa v, t\m - -^n-\m jy dnt m nwkv _m p- I-fpsS ] v'' F Hcp k p-e Cd- n. CXn-s\-Øp-S v, \S- p-h jw \ΩpsS _m v Hcp ""lcn-x-_m- nw-kv, kpÿn-c-hn-ik\ \bw'' BhnjvI-cn- p. ta ]cma in \bw {]Im-cw, ]cn-ÿnxn kulr- Z-]-c-amb Xmsg- -d-bp \S]Sn-Iƒ kzoicn- p-i-hgn _m v Im _Wns Awiw Ipd-bv p- -Xn-\m-h-iy-amb ^e-{]-z-amb \S- ]-Sn-I-sf-Sp- p- -Xm-Wv. a) GLS _ƒ_p-iƒ v ]Icw CFL hnf- p- Iƒ D]-tbm-Kn- p-i. b) kmam\yw hen- -ap \ΩpsS kz w si n-s-ß-fn ag-sh kw`-cww G s -Sp-ØpI. c) tewnwkv sk -dp-i-fn kutcm Pe-Xm-]\w D]-tbm-K-s -Sp-Ø (Xn-cp-h- \- -]p-csø tewnwkv sk -dn CXv ÿm]n- p-i-gn- p.) 26. EÚ Ï{ ÊÆ ]ı Ω EÚ V n Æ + ËÆ O x ÈÀEÚM EÚ Ï{ ÊÆ ]ı Ω EÚ V n Æ ( B + Æ ) x B Æ J x ± EÚ EÚ (B b ) + ËÆ M ËÆ - k Æ { Õ]ıM (Bx B Ú + Æ ) E Ú Æ Â «Ë EÚ { BEÚ Ãv i V x EÚ Æ ΩË * M `ˆx  u Æ Ω x Œ S i EÚÆ x E Ú ± B BEÚ M `ˆi Ω Æ Ω ΩË EÚ +{ x r ± I  E Ú +x Æ h  x B Æ J x ± EÚ EÚ EÚ x Ω V B* B + Æ E Ú{ x  u Æ +{ x EÚ Æ Æ { Æ S ± x  V EÚ + ËÆ { «Æ h S xi +  E Ú BEÚ EÚÆ h + ËÆ =x E Ú ] ıeú Ω ±b Æ Â E Ú l S Æ Â EÚ + n x n x EÚÆ x + x «x ΩË * B b + x «i : + Ãl EÚ EÚ E Ú ± I  { «Æ h + ËÆ V EÚ h ± EÚ M h k E Ú Æ J Æ J EÚ GÚ EÚ S i EÚÆ i ΩË * Bx B Ú + Æ ± { M `ˆx u Æ < n «Â =x E Ú EÚ «EÚ± { π i & ] ı { ± ]ı ± <x x { «Æ h, V EÚ + ËÆ + Ãl EÚ ± J h ± E Ú v Â Æ { ]«ı EÚÆ x EÚ h ± ΩË * E Ú + Ãl EÚ + ËÆ EÚ i EÚ EÚ «EÚ± {  E Ú k x  =x E Ú u Æ x V x ± x h «EÚ EÚ EÚ x i Ω B, x Æ J x ± EÚ EÚ ÈEÚ Â EÚ ± EÚÆ E Ú k l +  EÚ M n x Ê{ Æ ΩË * π « Â Æ i Æ W «ÈEÚ x EÚ Ï{ ÊÆ ]ı V EÚ V n Æ x B Æ J x ± EÚ EÚ + ËÆ M ËÆ k Æ { Õ]ıM - ÈEÚ Â EÚ EÚ V O x { «Æ h EÚ x B Æ J x E Ú ± B r ÈEÚ Â u Æ V Æ EÚB V x EÚ x i EÚ + EÚi { Æ ± n i ΩË - E Ú v  BEÚ { Æ { j V Æ EÚ l * = E Ú { Æ h { π «E Ú n Ë Æ x ÈEÚ x ""O x ÈÀEÚM + ËÆ x B Æ J x ± EÚ EÚ x i '' i Ë Æ EÚ * < x i E Ú +x Æ x x EÚ ± EÚÆ E Ú ÈEÚ { «Æ h +x E Ú± GÚ Â +{ x i Ω B +{ x EÚ «x Ú]ı x]ı EÚ EÚ EÚÆ x EÚ EÚ Æ«<«EÚÆ M * B) V B± B ±  EÚ n ± EÚÆ B Ú B± EÚ i l { x )Ω Æ { Æ Æ Â π «V ± BEÚj EÚÆ x V EÚ Ú c ΩË * )Y x V «x E Úxp   ± Æ ]ıæ Ω ] M ( i Ø x xi { Æ Y x V «x E Úxp  EÚ «Œx i EÚ V S EÚ ΩË )* 26. Corporate Social Responsibility And Green Banking There is an increasing awareness globally about Corporate Social Responsibility (CSR), Sustainable Development (SD) and Non-Financial Reporting (NFR). There is a concerted effort by organizations to ensure that sustainable development is not lost sight of, in the pursuit of their respective goals. CSR entails the integration of social and environmental concerns by companies in their business operations as also in interactions with their stakeholders. SD essentially refers to the process of maintenance of the quality of environmental and social systems in the pursuit of economic development. NFR is basically a system of reporting by organizations on their activities in this context, especially as regards the triple bottom line, that is, the environmental, social and economic accounting. The contribution of financial institutions including banks to sustainable development is paramount, considering the crucial role they play in financing the economic and developmental activities of the world. In , the Reserve Bank of India had brought out a Circular on Corporate Social Responsibility, Sustainable Development and Non-Financial Reporting - Role of Banks which emphasized the need for a policy to be brought out by respective banks for sustaining the green environment. Consequently SBT has formulated a Green Banking and Sustainable Development Policy during the year. As per this policy, Bank will take effective steps to reduce its own carbon footprint by adopting environment friendly practices, including, a) Replacement of GLS Bulbs by CFLs. b) Rainwater harvesting in own premises which are large enough c) Use of Solar Water-heating at Learning Centres [Already implemented at Learning Centre, Thiruvananthapuram]

56 56 d) XWp- n- NqSm- {]{In-b-Iƒ v ]c-am-h[n Du - -ax Dd- p-h-cp-øp-i. e) t] -dns A -Snbpw D]-t`m-Khpw ]c-amh[n Ipd-bv p-i. lcnx-]- -Xn-Iƒ v [\-k-lm-b-øn-\mbn _m ns\ kao-]n- p h v _m v t{]m m-l\w \ Ip- -Xm-Wv. Im _ _ln K-a\w Ipd-bv p- Xpw ]p\-cp-]-tbm- K-tbm-Ky-amb Du w t{]m m-ln- n- p- -h-bp-amb ] Xn-I-sf-bmWv "lcn-x-]- Xn' F -Xp-sIm v hnh- n- p- -Xv kmaq-ly-tk-h\ _m nwkv _m ns kmaq-ly-tk-h\ _m nwkv hn`m- K-Øn\v Iogn {]h Øn- p tkmjy k n-fp-iƒ hgn 2009 '10epw kaq-l-øns s]mxp-hmb t aw e y-a-m n-s m- p Ht sd kwcw-`-߃ kmaq-ly-ambn DØ-c-hm- Zn-Xz-ap Hcp tim -td v ]uc F \nebv v _m v Gs -Sp-Øn- p- v. imj-i-fnepw AUvan-\n-kvt{S- ohv Hm^o-kp- I-fnepw tpmen snøp Poh-\- m kmaqly-tk-h-\-{]-h Ø-\-߃ Gs -SpØp \S- Øp- -Xn-\mbn cq]o-i-cn k - -kw-l-s- \-I-fmWp tkmjy k n-fp-iƒ. kz w {]h Ø\ taj-e-i-fnse Bh-iy-߃ \ndth- p- -Xn-t\m-sSm w _m nwkv tk-h-\- Øn\p ]pd-ta-bp klm-b-߃ \ Im\pw Ah Xømdm-Wv. Ãm^v AwK߃ amxr-ÿm-]-\-øns am -\n tz-i-a- \p-k-cn v kaq-l-øns Bh-iy-߃ kzx- { -ambn hne-bn-cp-øp-ibpw kzta-[bm tkh-\-{]-h Ø-\-߃ \S-Øp-Ibpw snøp p F XmWv tkmjy k n-fp- I-fpsS {]h Ø-\Øns khntijx. CØcØnep 564 tkmjy k n-fp- Iƒ C y-sbm- m-si-bp imj-i-fnepw AUvan-\n-kvt{S- ohv Hm^o-kp-I-fn-ep-ambn {]h Øn- p- p- v. Btcm-Ky-kw-c- W {]h Ø-\-߃, hnzym n-iƒ p klm-b-߃, ]ph tlmap-iƒ, hr -k-z- \-߃, A\m-Ym-e-b-߃, AwK-ssh-Ieyw kw`-hn- -h p t a-{]-h Ø-\-߃, tzio-bhpw A tz-io-b-hp-amb Zn\m-N-c- W-߃ F nh tkmjy k n-fp-ifpss {]h Ø-\-ß-fn Dƒs -Spw. Cu ]cn- ]m-sn-iƒ p ]pd-ta, sslkv qƒ timtfpv hnzym Yn-Iƒ mbn ""C So kv Iznkv timºn-t -j '' (CXv Xncp-h-\- -]pcw Zqc-Z i ti{µw kwt{]- Ww snbvxn-cp- p.), Iuam-c-{]m-b- m m-bp hy n-xz-hn-i-k\ ]cn-]m-sn-bmb ""In Un o kv t{]m{kmw'' F n-h _m v kwl-sn- n- p. \S- p-h jw tkmjy k n-fp- Iƒ aptj\ ]mh-s - -h p-th n 150- cw ]cn-]m-sn-iƒ \S-Øp-I-bp- m-bn. b )`ˆhb EÚÆ x + ËÆ M Æ EÚÆ x EÚ GÚ +   >applev «{ «{i i x Œ S i EÚÆ x <«) x x i p h + ËÆ EÚ M W EÚ x x i ={ M ÈEÚ O x { Æ V x E Ú ± B x B { Æ V x B V EÚ «x x Æ h EÚ EÚ EÚÆ i ΩË + ËÆ { x l { x >applev «EÚ f i ΩË, EÚ i Ω x n i ΩË * 26.1 n EÚ ÈÀEÚM BEÚ V EÚ i n EÚ ÏÆ { Æ ]ı x M Æ EÚ E Ú {  ÈEÚ x n EÚ ÈÀEÚM M E Ú +xi M «i EÚ «Æ i ± E«Ú±  E Ú W Æ B V E Ú EÚ± h EÚ ± I Æ J i Ω B π « Â +x EÚ { Ω ± + ËÆ ={ EÚB M B ΩÈ * V EÚ E«Ú± V J +  + ËÆ x EÚ EÚ «±   EÚ «Æ i ]ı Ú n  u Æ V EÚ Bƒ n x EÚÆ x E Ú ± B l { i M `ˆx ΩÈ, u Æ z V EÚ EÚ V i ΩË * { Æ S ± x E Ú +{ x I j EÚ +{ I +   n I Ω i ΩÈ i l ÈÀEÚM +  E Ú n Æ E Ú M «x nê x  V EÚ +{ I +  EÚ ]ı Ú n  B i j x v «Æ h u Æ B ŒSUÙEÚ i M i V EÚ E«Ú± E Ú EÚ «Â + u i v Æ h Æ J i ΩË * { h «Æ i  ÈEÚ EÚ z J +  + ËÆ x EÚ EÚ «±   564 B ± E«Ú± EÚ «EÚÆ Æ Ω ΩÈ * ± E«Ú± M i v   l v EÚ «GÚ UÙ j Â, M Æ M fiω Â, fir + ËÆ +x l ±  EÚ Ω i, EÚ± M HÚ Â EÚ EÚ± h ={, n /+xi nê n x  EÚ x x + n ± ΩË * <x EÚ «GÚ Â E Ú +±, Ω x Ω <«E Ú± + ËÆ EÚ Ï± V UÙ j  E Ú ± B <h] ı± ]ı x ŒC W i M i x + J ± E ÚÆ ± x k Æ ( V EÚ n Æ n «x E Úxp, i Ø x xi { Æ u Æ Æ h EÚ ΩË )* EÚ Æ Â E Ú ± B HÚ EÚ EÚ «GÚ + n EÚ + V x EÚ * π «E Ú n ËÆ x M Æ Â E Ú Ω i E Ú ± B ± E«Ú± u Æ v EÚ EÚ «GÚ + V i EÚB M B l * π «E Ú n ËÆ x n  E Ú S x xn M Á i EÚ { Ω ƒ S x E Ú ± B ÈÀEÚM M i + i Æ «π] ı / Æ π] ı n  EÚ BEÚ ± I E Ú {  +{ x M * Ω Æ BEÚ d) Ensuring energy efficiency for cooling and heating processes e) Minimum printing and consumption of paper. Bank will also extend incentive to the borrowers who go in for Green projects i.e. those projects that reduce Carbon Emissions and promote Renewable Energy Community Services Banking As a socially responsible corporate citizen, the Bank has undertaken several initiatives and measures during also, aimed at the welfare of the society at large, through Social Circles functioning under its Community Services Banking Department. Social Circles are voluntary organizations formed by the staff members working in branches and administrative offices for undertaking social services. They address themselves to the requirements of their area of operation and extend assistance which are outside the purview of banking services. Voluntary participation by the staff members and independent assessment of the requirements of the society under the guidance of the parent institution are unique concepts in the functioning of the social circles. The Bank has 564 social circles functioning at various branches and administrative offices spread all over India. The activities of the social circles include health related programmes, assistance to students, poor homes, old age homes and orphanages, welfare measures for disabled people, observance of national and international days, etc. Apart from these programmes, the Social Circles also conduct All Kerala Quiz Competition for High School and College Students Intel Teens Quiz Competition (which is telecast by Doordarshan Kendra, Thiruvananthapuram), Personality Development Programme for adolescents Kindle Teens Programme. During the year more than 150 programmes were conducted through social circles for the benefit of the poor.

57 57 Xnc-s -Sp- -s kmaq-ly-hn-`m-k-ß-fntebv v FØn-t -cm \S- p-h jw _m v {]k- -amb A t±-io-bhpw tzio-b-hpamb Zn\-߃ BN-cn- p- Xv Hcp ZuXyambn kzoi-cn- p. kaq-l-ønse khn-tij hn`m-k-ß-fn FØn-t -cm-\p {]txyi Dt±-iy-tØm-sS-bmWv Hmtcm BtLm-j-]-cn- ]m-snbpw kwl-sn- n- -s - -Xv. _m ns km n[yw IqSp-X Zriy-am-hp-Ibpw CS-]m- Sp-Imsc ]pxn-b-xmbn B Pn- phm\pw BtLm-j-]-cn-]m-Sn-Iƒ klm-bn- p Pqsse H mw XobXn sluv Hm^okn tumivtsgvkv tu BN-cn- p. XZ-h-kc-Øn Xncp-h-\- -]p-csø aq v {]apj `nj-kz-c- msc BZ-cn- p-i-bp- mbn; ]fl- {io, tum. Fw. IrjvW \mb, tum. kmw_-in-h, ]fl{io tum. Fw. hnp-bcm-l-h. ]cnjv cn Fkv.-_n.-Sn. tumivtsgvkv kvs]jy kviow Bcw-`n- p. ÿm]-i-zn\w: 2009 sk]v w-_ 12- \v _m ns 64- -m-axv hm jni ÿm]-i-zn\w BtLm-jn- p. {io D{XmSw Xncp-\mƒ am Øm-WvU-h a apjym-xn-yn-bmbn Hcp Kw`oc NSßv sluv Hm^o-kn kwl-sn- n- p-i-bp- m-bn. Cu kµ `-Øns kvacw \ne-\n Øm-\mbn tic-f-ønepw Xan-gv\m- n-ep-ambn 64 F.-Sn.-F-Ωp-Iƒ Hm sse-\mbn D Lm-S\w snbvxp. tziob Ahm Uv tpxm- -fmb aq v A ym-]-i-tcbpw _m v BZ-cn- p. \h-h k-c-zn\w: 2010se ]pxp-h kc Zn\- Øn Xncp-h-\- -]p-cøv sh v apxn ]uc- m-cpss Hcp tbmkw kwl-sn- n- p. \Kc-Ønse hnhn[ imj-i-fn \n p htc- Wy-cmb CS-]m-Sp-Im-cmWv HØp-tN-c-en ]s -SpØv hne-tb-dnb \n tz-i-߃ ka n- -Xv. \K-c-Øns Hcp ]cn-tozw Xs -bm-bn-cp p Cu HØp-tN-c. Cu hn`m-k-hp-am-bp _ w ]pxp- pi-hgn imj-iƒ v Ah-bpsS \nt ]w h [n- n- m-\m-bn am v 8\v h\n-xm-zn\w: 2010se h\n-xm- Zn\w BN-cn- p- -Xns `mk-ambn 2010 am v 8 apx 13 hsc Hcp hmcw \o p- \n p BtLm-j-]-cn-]m-SnIƒ kwl-sn- n- p. 120 imj-i-fn-embn Xnc-s -Sp- -s kzbw-k-lmb kwlmw-k-ß-fmb 600 h\nxisf BZ-cn- p-i-bp- m-bn. _m pambn CS-]mSp \S-Øp XneqsS hnpbw ssih-cn- -h-cmb 21 h\n-xm-hy-h-kmb kwcw-`-isc {]mtzini Xe-Øn BZ-cn- p. kzbw-k-lmb kwl-øns {]h Ø-\-ßfn G s -Sp-I-hgn kz w IpSpw-_- Øns Db bv v Imc-W- m-cm-b, kaql-øns IogvØ- n-ep h\n-x-i-sf-bmwv Æ Ω EÚ BEÚ π]ı =q l EÚ V E Ú v i M Á i EÚ { Ω ƒ S + ËÆ Ω Æ BEÚ Æ Ω ÈEÚ EÚ +{ x o i v Æ x i l O Ω EÚ ={ ± Œ v E Ú ± B n n n * EÚ b C]ı «b < + Æ EÚ x x E Ú ± B v x EÚ «±  BEÚ Æ Ω EÚ + V x EÚ l * V  i Ø x xi { Æ E Ú i x J b ÏC]ıÆ Â, { n b Ï. B. EfiÚπh x x Æ, b Ï. x + ËÆ { n b Ï, B. V Æ P x EÚ x i EÚ M l * v i B ]ı b ÏC]ı «π V x EÚ M <«l * l { x n : 12 i Æ 2009 EÚ Ω Æ ÈEÚ EÚ 64- ƒ l { x n x M l * v x EÚ «±  BEÚ c Æ Ω EÚ + V x EÚ l V  =j b i Ø x ± i «hc «J + i l E Ú {  { v Æ l * < + Æ EÚ n M Æ x x E Ú ± B ÈEÚ x E ÚÆ ± + ËÆ i ± x b  64 + Ïx ± <x B ]ı B EÚ =n P ]ıx EÚ + ËÆ 3 Æ π] ı + b«v i +v { EÚ Â EÚ x EÚ l * x π «n : x π «1 V x Æ 2010 EÚ i Ø x xi { Æ Â BEÚ Æ π`ˆı x M Æ EÚ ]ı EÚ + V x EÚ l * z ]ı J +  S x xn ÊiEfiÚπ]ıı M «E Ú Æ π`ˆ x M Æ EÚ O Ω EÚ Â; V x M Æ E Ú M Á ΩË, < ]ı  M ± + ËÆ +{ x ± x Z  EÚ + n x n x EÚ * v E Ú x x EÚÆ h J +  E Ú { Æ Â fi r Ω <«* EÚ Ω ± n : Ω ± n 2010 E Ú Ω ± n Æ Ω E Ú ± ±  8 S «13 S «2010 i EÚ BEÚ Ω i EÚ Æ Ω x M l * J i Æ { Æ 120 J +  E Ú u Æ 600 S x xn Ω ± B BS V n  EÚ x EÚ M * I j i Æ { Æ, ÈEÚ E Ú l Ú± i { «ÈÀEÚM EÚÆ x ± 21 Ω ± =t EÚ x EÚ M l * x EÚÆ x E Ú ± B S x xn Ω ± Bƒ V E Ú x x i Æ i Æ EÚ l V xω Âx B BS V EÚ «EÚ± {   M ± EÚÆ +{ x { Æ Æ EÚ Observing international/ national days of relevance to banking have been adopted as a mission for reaching out to select groups of the communities during the year. Every celebration was with a specific aim of ensuring reach to the respective sections of the society and each celebration has helped the Bank to improve the visibility as well as customer acquisition. Doctor s Day on To mark the occasion, a felicitation ceremony was arranged at Head Office in which three eminent doctors in Thiruvananthapuram, Padmasree Dr. M.Krishnan Nair, Dr. Sambasivan and Padmasree Dr. M. Vijayaraghavan were honoured. The modified version of SBT Doctor s Special Scheme was launched. Foundation Day: The 64th Anniversary Foundation day of the Bank was celebrated on 12th Sept A grand function was arranged at Head Office with His Highness Sree Uthradam Thirunal Marthanda Varma as the Chief Guest. To commemorate the occasion, Bank inaugurated online 64 ATMs across Kerala and Tamil Nadu. Bank also honoured 3 National Award winning Teachers. New Year Day: On the New Year day 1st January 2010, a Senior Citizen Meet was held at Thiruvananthapuram. Select senior citizen customers from various city branches, who formed a cross section of the city, participated in the get-together and shared their valuable suggestions. The renewal of the relationship has helped the branches to augment their kitty. Women s Day on : A weeklong celebration from 8th March 2010 to 13th March 2010 was held in connection with the celebration of the Women s Day At branch level, 600 selected women SHG members were honoured through 120 branches. At regional level, 21 successful women entrepreneurs banking with the Bank were honoured. The women selected for the honour belong to lower strata of

58 58 _m v BZ-cn- -Xv. Cu ]cn-]m-sn-iƒ kaqlw \ \nebv v kzoi-cn- p-ibpw F m imj- I-fnepw kv{xoi-fpss \nd km n[yw D m-hp-ibpw snbvxp. inip Zn\w 2009 \hw-_ 14. Cu h jw hnzym-`ym-k-øn-\mbn s] Ip- n-isf ZsØ- Sp-Øp-sIm v hn-ti-j-s coxn-bn-emwv _m v inip Zn\w BN-cn- -Xv. kviqƒ hnzym n-\n-i-fmb 6\pw 14\pw CSbv p {]mb-ap- Zcn-{Zcpw ]T-\-an-Ihv ]pe Øp- -h-cp-amb s] Ip- n-i-sf-bmwv Cßs\ Xnc-s -Sp-Ø-Xv. AwK-ssh-I-ey-ap A\m-Y-cmb Ip n-iƒ v {]Ya ]cn-k-w\ \ In. ]Tn- p ÿm]\w \ Inb AS- {]Imcw Hcp Ip nbv v \ Inb ]c-amh[n hm jni klmbw 5,000/ cq]-bm-wv. sluv Hm^okv A p s] Ip- n-i-sf-bpw, Xncp-h-\- ]pcw, tim -bw, Fd-Wm-Ip-fw, timgn-t m-sv, snss, tkmwp-ifpw su ln, apwss_ dopy-\p-ifpw c p s] Ip- n-isf hox-hp-amwv ZsØ-Sp-Ø-Xv. inip Zn\-Øn-emWv Cu ] Xn D Lm-S\w snø-s - -Xv. CØ-c-Øn-ep Hmtcm BtLm-jhpw ]{X- -c-ky-߃, _m\-dp-iƒ, t_m Up-Iƒ, ] m-fn-i-fp-ambn CS-s]-S-ep-Iƒ F n-h-hgn _m ns km n[yw IqSp-X Zriy-am- p- -Xn-\p Ah-k-c-am-bn- mwv _m v D]-tbm- K-s -Sp-Øn-b-Xv. Cu ]cn-]m-sn-i-fmsi _m n\v AXns hym]-\w, Zriy-]-c-X, ASp w F nh sa -s -Sp-Øp- -Xn\pw CS- ]m-sp-iƒs m w P\-hn-Imcw A\pIqe am p- -Xn\v klm-b-i-am-bn. 27. Imbn-I-cwKw 27.1 _m ns ^psv_mƒ, {In v Soap-Iƒ ]e a -c-ßfpw hnp-bn v _m n\v t]cpw {]i-kvxnbpw t\sn-ø- p. C{]-Imcw _m n\v cmpy-søm- msi am[y-a {]Nmcw e`n p. _m ns ]e Ifn- mcpw kt mjv t{sm^n, crvpn t{sm^n a -c-ß-fn ticfsø {]Xn-\n-[o-I-cn- m-\mbn Xnc-s -Sp- -s -Sp-I-bp- m-bn Cu Ime-b-f-hn _m ns ^psv_mƒ Sow H -\-h[n AJn-te- ym, AJn-e-tI-cf a -c-ß-fn ]s -Sp-Øp. hnp-b-ß-fpss lm{sniv ]q Øn-bm- n-s m v Cs m w _m ns ^psv_-lmƒ Sow ticf kwÿm\ _v Nmw]y jn v Ic-ÿ-am- n. AJn-te ym ^psv_mƒ s^u-td-j _m ns Soans\ c mw Unhn-j AJnte ym eokv a -c-ß-fn ]s -Sp- m-\mbn Xnc-s -Sp- p-i-bp- m-bn. =z i E Ú ± B EÚ EÚ l * < EÚ «GÚ EÚ V EÚ +SUÙ i GÚ ± + ËÆ J Æ Ω Â Â Ω ± +  EÚ Æ Ω M i Ω <«l * ± n -14 x Æ 2009: ÈEÚ x I v + EÚi +  E Ú ± B Ω i n x EÚÆ x Ω i BEÚ ± EÚ EÚ M n ± EÚÆ BEÚ π i Æ E Ú ± n x l * E Ú±   { g x ± 6 14 π «+ O { EÚ M Æ Ω Æ ± c EÚ Â EÚ S x EÚ M l * EÚ± M +x l SS  EÚ Æ i n M <«* BEÚ ± c EÚ E Ú ± B n V x ± + v EÚi Ω i Æ i π «5,000/- Ø. ΩË ( l u Æ n B M B + EÚ± x E Ú +x Æ ) v x EÚ «± u Æ 5 ± c EÚ ƒ + ËÆ i Ø x xi { Æ, EÚ ] ı]ı, BÆ h E Ú±, EÚ π CEÚ b, S z Ë + S ± + ËÆ n ±±, <«I j  u Æ i EÚ «± n ± EÚ +  EÚ M n ± l * V C]ı EÚ =n P ]ıx ± n EÚ EÚ M l * ÈEÚ x Ω Æ EÚ + Æ EÚ ± =`ˆ i Ω B S Æ { j  Y { x / Ëx Æ, b«e Ú W Æ B i l BEÚ BEÚ Ω M  E Ú l S Æ «EÚÆ E Ú +{ x o i v Æ x E Ú + Æ EÚ ± =`ˆ l * < ÈEÚ EÚ { Ω ƒ S, o i, + ËÆ x EÚ]ıi v Æ x  n n ± i l =x E Ú EÚ EÚ +x Ω + * 27. J ± E Ún 27.1 ÈEÚ EÚ GÚE Ú]ı + ËÆ Ú]ı ϱ ]ı x +x EÚ ËS / ] ıx «x]ı V i + ËÆ ÈEÚ Â V { j ± i l n Æ Â ÈEÚ EÚ x Ω Æ EÚÆ x E Ú ± B c EÚ Æ V ± x  EÚ Ω + * ÈEÚ E Ú EÚ<«J ± b  EÚ xi π ] ı Ï Ú Æ V ] ı Ú ËS  EÚ i x v i EÚÆ x E Ú ± B S x M * v E Ú n ËÆ x ÈEÚ EÚ Ú]ı ϱ ]ı x z + J ± Æ i + ËÆ + J ± E ÚÆ ± ] ıx ««x]ı/ ËS  M ± * < π «ÈEÚ EÚ Ú]ı ϱ ]ı x B V i  EÚ Ω ]ı- ] ıeú { Æ EÚÆ i Ω B E ÚÆ ± ] ı]ı C± S ËŒ { x { V i * + J ± Æ i Ú]ı ± Úb Æ x u Æ n Æ b V x x x ± ± M  M ± x E Ú ± B ]ı EÚ S x M * society who have contributed to the upliftment of their family by participating in SHG activities. The programme was well received by the society. Every branch function witnessed a high level of women participation. Children s Day - 14th November 2009: Bank has celebrated Children s Day in a special way by adopting girl children, to take care of their education. Poor bright girls are selected in the age group between 6 to 14 years studying in schools. Preference is given to orphan children with disabilities. Maximum assistance given to one child per year is Rs.5,000/- (as per the estimate given by the institution). Head office adopted 5 girls and Thiruvananthapuram, Kottayam, Ernakulam, Kozhikode, Chennai Zones and Delhi, Mumbai Regions adopted two girl children each. The project was inaugurated on Children s Day. Bank took advantage of celebration of every such occasion as an opportunity to improve the visibility through newspaper advertisements/banners/ boards and through one to one interactions with the participants. This has helped the Bank to improve the reach, visibility, and nearness to society and to develop a feel of being with them. 27. Sports And Games 27.1 The Bank s Football and Cricket Teams won many matches/tournaments and brought laurels and glory to the Bank and generated wide media coverage for the Bank throughout the country. Many of the Bank s players are selected to represent Kerala State in the Santhosh Trophy / Ranji Trophy matches The Football team participated in various All India and All Kerala tournaments/matches during the period. This year the Bank s Football Team won the Kerala State Club Championship completing a hat-trick of such wins. The team has also been selected by the All India Football Federation to participate in the 2nd Division National League.

59 _m ns {In v F Sow At\Iw AJn-te- ym, AJne ticf a -c-ßfn ]s -Sp-Øp. ]s -SpØ 32 a -c-ß-fn 25 FÆ-Øn Pbn p. Cu Ime-b-f-hn, AJn-te ym ]qpm {In - v, Iym]v spdn t{]wcmpv Sq W-sa v, ske-ãn-b I v, simd-am- kna vkv t{sm^n F o a - c-߃ hnp-bn- p-ibpw snss -bn \S AJn-te ym KSCA t{sm^n a -c- Øns ss^\-en-se-øp-ibpw snbvxp. 28. Ub-d-IvS t_m Un-ep- mb am -߃ kmºøni h j-øn \ΩpsS Ub-d-IvS t_m Un A p am -߃ D m-bn. 1. {io F.-sI. PK- m-y, 1959se tã v _m v Hm^v C y (D-]mw-K-_m- p-iƒ) \nbaw hip v 25 D]hIp v (1) JWvUnI (aa) A\pk-cn v 2009 G{]n 28 apx amt\-pnwkv Ub-d-IvS-dmbn \nb-an-x-\m-bn. 2. {io. Kym Nµv ]n]m-c, 1959se tã v _m v Hm^v C y (D-]mw-K-_m- p-iƒ) \nbaw hip v 25 D]hIp v (1) JWvUnI (d) {]Imcw 2009 sabv 15 apx A\u-tZym-KnI Ub-d-IvS-dmbn \ma-\n tziw snø-s - p se tã v _m v Hm^v C y (D-]mw-K- _m- p-iƒ) \nbaw hip v 25 D]hIp v (1) JWvUnI (e) {]Imcw Ub-d-IvS-dm-bn-cp {io F. txmakv kq -dm-t\z-j ]q Øn-bmb-Xn-s\-Xp-S v 2009 Pqsse 31\v hnc-an- p- Ibpw X ÿm-\øv 2010 P\p-hcn 27 apx {io ]n. hn\m-b-isø \nb-an- p-ibpw snbvxp se tã v _m v Hm^v C y (D-]mw-K- _m- p-iƒ) \nbaw hip v 25 D]hIp v (1) JWvUnI (ca) {]Imcw Ub-d-IvS-dm-bn-cp {io kn.-sn. timin kq -dm-t\z-j ]q Øn-bmb-Xn-s\-Øp-S v 2009 BKÃv 31\v hnc-an- p ÈEÚ E Ú GÚE Ú]ı ""B'' ]ı x z + J ± Æ i / + J ± E ÚÆ ± ] ıx «x]ı   M ± * J ± M B 32 ËS   ]ı x 25 ËS V i * + v E Ú n ËÆ x ]ı x + J ± Æ i { V GÚE Ú]ı, EËÚ{]ıx V Æ Æ V ] ıx «h]ı, ± Œ ]ı ± EÚ{, EÚ Æ xb ± x]ı ] ı Ú V i + ËÆ S z <«Â + V i + J ± Æ i E Ú B B ] ı Ú ] ıx «x]ı Â Ú <x ±  + * 28. x n EÚ b«â { Æ i «x k π « EÚ + v E Ú n ËÆ x Ω Æ x n EÚ b«â 5 { Æ i «x Ω B* 1. Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 ={ v Æ (1) E Ú J hb (BB) E Ú +xi M «i 28 + ˱ 2009 B E Ú V M z l x, xv x n EÚ EÚ x HÚ EÚ M <«* 2. Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 ={ v Æ (1) E Ú J hb (b ) E Ú +xi M «i Æ i ] ı]ı ÈEÚ x 15 <«2009 Y x S xn { { Æ M ËÆ Æ EÚ Æ x n EÚ x i EÚ ΩË * 3. Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 ={ v Æ (1) E Ú J hb (<«) E Ú +xi M «i B i 31 V ± <«2009 EÚ + v π «{i EÚÆ x fik Ω M B + ËÆ 27 V x Æ 2010 { x M b«â ± Ω B* 4. Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 ={ v Æ (1) E Ú J hb ( B) E Ú +xi M «i ]ı EÚ 31 +M i 2009 EÚ EÚ Æ Æ E Ú xn Ω x { Æ + v π «{i EÚÆ x fik Ω M B* 27.3 Bank s Cricket A team participated in the various All India and All Kerala tournaments. Out of the 32 matches played the team has won 25. During the period the team won the All India Pooja Cricket, Capt. Jerry Prem Raj Tournament, Celestial Cup, Coromandal Cement Trophy and reached final in the All India KSCA Trophy tournament held at Chennai. 28. Changes in the Board of Directors During the course of the financial year , there were five changes in the Board of Directors. 1. Shri A K Jagannathan, Managing Director appointed under Clause (aa) of sub-section (1) of Section 25 of State Bank of India (Subsidiary Banks) Act 1959 with effect from 28th April Shri Gyan Chand Pipara, Non Official Director, was nominated by State Bank of India, under clause (d) of sub-section (1) of Section 25 of the State Bank of India (Subsidiary Banks) Act, 1959, with effect from 15th May Shri A Thomas, Director under Clause (e) of sub-section (1) of Section 25 of State Bank of India (Subsidiary Banks) Act, 1959, retired on attaining superannuation, as at the close of business on 31st of July 2009 and was substituted by Shri P Vinayagam with effect from 27th January Shri C T Koshy, Director under Clause (ca) of sub-section (1) of Section 25 of State Bank of India (Subsidiary Banks) Act, 1959, retired on attaining superannuation, as at the close of business on 31st August 2009.

60 se tã v _m v Hm^v C y (D-]mw-K- _m- p-iƒ) \nbaw hip v 25 D]hIp v (1) JWvUnI (c) {]Imcw Ub-d-IvS-dm-bn-cp {io Pn_m tkmkzman No^v P\-d amt\- P (C kvs]-ivj & amt\-pvsa v HmUn- v) Bbn Fkv._n.sF bn \nb-a\w e`n- -Xns\ XpS v 2009 sk]v w-_ 19\v Ubd-IvS t_m Un \n pw cmpn ka n- p. ]Icw 2009 sk]v w-_ 20 apx {io _n.- F-kv. tkm]m-e-irjvw \nb-an-x-\m-bn. t_m Un \n v hnc-an k {io G txmakv, kn Sn timin, Pn_ tkmkzman F nhcpss hne-tb-dnb kw`m-h-\-iƒ v Ub-d-IvS t_m Uv \µn tcj-s -Sp-Øp p. 29. kv m yq- dn HmUn v dnk hv _m v Hm^v C y-bpss AwKo-Im-ctØmsS tã v _m v Hm^v C y, se HmUn- am-cmbn sat gvkv t{]wkp]vx & Iº-\n, \yqsu ln, sat gvkv tkmum\n & Iº-\n, C tum, sat gvkv cma-\myw & dmhp, ssl{zm-_m-zv, sat gvkv kmlm KmwKpen & Atkm-kn-tb- vkv, sim -Ø, sat gvkv spbn & spbn, apwss_ F n-hsc \nb-an- p. hne-s \n tz-ißfpw ]n p-wbpw kl-i-c-whpw \ Ip- Ibpw IrXy-k-a-bØv HmUn v Xo p-ibpw snbvx Ãm yq- dn HmUn-t -gvkn\v Ub-d-IvS t_m Uv Bflm Y-ambn \µn tcjs -Sp- Øp- p. 30. IrX- X C ym Kh sa ns [\-Imcy a{ m-ebw, dnk hv _m v Hm^v C y F nh \ Inb hne-s D]-tZ-i-߃ pw ]n p- Wbv pw, [\-Imcy ÿm]-\-ßfpw tãm v FIvkvtN- p-ifpw Id-kvt]m- p-amcpw \ Inb klm-b-k-l-i-c-w-øn\pw Ubd-IvS t_m Uv \µn tcj-s -Sp-Øp- p. am\y CS-]m-Sp-Im-cp-sSbpw Hml-cn-bp-S-a-I-fp-sSbpw k -t\m-`m-h-søbpw kl-i-c-w-søbpw R߃ hne-a-xn- p- p. Ahm Uv- -kq- ssh-knwkv Ãm^v Dƒs ss F m Poh- \- m-cp-ssbpw klm-b-k-l-i-c-w-߃ v t_m Uv IrX- X tcj-s -Sp-Øp- p. Fwtπm-bokv bqwn-b\pw Hm^o-tkgvkv At m-kn-tb-j\pw \ Inb klm-b-k-l- I-c-W-߃ pw t_m Uv AI-a-gn IrX- X tcj-s -Sp-Øp- p. t_m Uns DØ-chp {]Imcw F.-sI. PK- m-y amt\-pnwkv Ub-d-IvS 5. Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 EÚ v Æ 25 ={ v Æ (1) E Ú +xi M «i. V x M, x n EÚ, J Ω xv EÚ ( x Æ I h B xv x ± J { Æ I ) E Ú {  x HÚ Ω x EÚ b«< i Ú n n + ËÆ 20 i Æ 2009 B M { ± EfiÚπh b«â ± Ω B* x n EÚ b«=x E Ú i + Æ EÚ]ı EÚÆ i ΩË i l B i, ]ı EÚ B V x M u Æ ÈEÚ E Ú x n EÚ Â E Ú {  =x EÚ Ω ± +  E Ú ± B v x n n i ΩË * 29. v EÚ ± J { Æ I «M {i B E Ú{ x, x <«n ±± B «b x B E Ú{ x, <xn ËÆ, «Æ x l B Æ, ΩË n Æ n, «Ω M M ± B B B] ı, EÚ ± EÚ i + ËÆ «V Ëx B V Ëx, <«EÚ Æ i Æ V «ÈEÚ E Ú +x n x Æ i ] ı]ı ÈEÚ u Æ π « Ω i ÈEÚ E Ú v EÚ ± J -{ Æ I EÚ Â E Ú {  x HÚ EÚ * x n EÚ b«ω { Æ ± J { Æ I { Æ EÚÆ x Ω i v EÚ ± J { Æ I EÚ Â u Æ n B M B Ω ± Z i l =iefiúπ`ˆı Ω i B Ω M EÚ Ω Ãn EÚ Æ Ω x EÚÆ i ΩË * Æ x n EÚ b«, k j ±, Æ i Æ EÚ Æ B Æ i Æ W «ÈEÚ E Ú Ω ± ± Ω B Ω M i l k l + Â, ]ı ÏEÚ BC S ÂV  B n n i +  u Æ n B M B Ω i B Ω M E Ú i +{ x + Æ EÚ]ı EÚÆ i ΩË * b«, x i O Ω EÚ Â, Æ v Æ Â {i Ω M, n x i l Æ I h E Ú ± B i l ]ı Ú n -+ b«b { «I EÚ Ω i, Ω M i l M n x EÚ Ω Ãn EÚ Æ Ω x EÚÆ i ΩË * b«, EÚ «S Æ P (Union) i l + v EÚ Æ B B x (Association) E Ú M n x EÚ Æ Ω x EÚÆ i ΩË * b«e Ú + n x Æ B E Ú V M z l x xv x n EÚ 5. Shri Jiban Goswami, Director under Clause (c) of sub-section (1) of Section 25 of State Bank of India (Subsidiary Banks) Act, 1959 resigned from the Board on on his appointment as Chief General Manager (Inspection & Management Audit) in SBI and was substituted by Shri B S Gopalakrishna with effect form 20th September The Board of Directors place on record their appreciation and thanks for the valuable services rendered by Shri A Thomas, Shri C T Koshy and Shri Jiban Goswami during their tenure as Directors of the Bank. 29. Statutory Audit M/s. Prem Gupta & Company, New Delhi and M/s. Sodani & Company, Indore, M/s. Ramanatham & Rao, Hyderabad, M/s. Saha Ganguli & Associates, Kolkata and M/s Jain & Jain, Mumbai were appointed as Statutory Auditors of the Bank for the year by State Bank of India, with the approval of the Reserve Bank of India. The Board of Directors sincerely appreciates the valuable suggestions offered and the excellent support and cooperation extended by the Statutory Auditors for the completion of the audit well in time. 30. Acknowledgements The Board of Directors gratefully acknowledges the valuable advice and support extended by the Ministry of Finance, Government of India and Reserve Bank of India and the cooperation and support extended by the Financial Institutions, Stock exchanges and Correspondents. The Board also wishes to place on record its sincere appreciation of the excellent support, goodwill and patronage received from the esteemed customers and shareholders, the support and cooperation extended and contributions made by the members of staff - award and supervising. The Board also places on record its appreciation for the contribution made by the Employees Union and Officers Association. By Order of the Board A K Jagannathan Managing Director

61 amt\-pvsa v IΩn n v x i MANAGEMENT COMMITTEE {io F si PK my amt\pnwkv UbdIvS B E Ú V M z l x xv x n E Shri A K Jagannathan Managing Director {io Fkv _men{µ No^v P\-d amt\-p B ± S xp x J Ω v EÚ Shri S Balachandran Chief General Manager {io F si {][m P\-d amt\-p (πm\nwkv & Uhe]vsa v) B E Ú v x Ω v EÚ ( V x B EÚ ) Shri A K Pradhan General Manager (Planning & Development) {io B ]n ss_p P\-d amt\-p (Ita-gvky & C Ãn- yq-j-w & C \m-j-w _m nwkv) + Æ { ËV ± Ω v EÚ ( h ŒV EÚ B l M i Ú i l + i Æ «π] ı ÈÀEÚM ) Shri R P Baijal General Manager (Commercial and Institutional & International Banking) {io Ieym apj Pn P\-d amt\-p (Hm tdj kv) EÚ± h J V Ω v EÚ ({ Æ S ± x ) Shri Kalyan Mukherjee General Manager (Operations) {io imizx Nu[cn P\-d amt\-p ({Sjdn) i S Ëv Æ Ω v EÚ (Æ V EÚ π ) Shri Saswata Chaudhuri General Manager (Treasury) {io hn IÆ Ip n P\-d amt\-p (ssivt\mfpn & C kvs] ) EÚhh x E Ú^ı Ω v EÚ ( Ët M EÚ B x Æ I h ) Shri V Kannan Kutty General Manager (Technology & Inspection) {io ]n hn Zp mzmk P\-d amt\-p (hnpne kv) & No^v hnpne kv Hm^ok { n M «n x Ω v EÚ ( i E«Úi ) B J i E«Úi + v EÚ Æ Shri P V Durgadasan General Manager (Vigilance) & Chief Vigilance Officer

62 am v 31 se IW- -\p-k-cn- p BkvXn _m[yxm]{xw 31 S «, 2010 EÚ Œ l i E Ú +x Æ i ± x -{ j BALANCE SHEET AS AT 31st MARCH, 2010 tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) 1. aqe-[-\hpw _m[y-x-i-fpw ] ni 31-am v-2010 se 31-am v-2009 se 1. { ƒv B n i +x S IW- -\p-k-cn v IW- -\p-k-cn v 1. CAPITAL & LIABILITIES Schedule 31- S «-2010 EÚ Œ l i 31- S «-2009 EÚ Œ l i As at 31-Mar-2010 As at 31-Mar aqe-[\w { ƒv Capital Icp-X [-\hpw an hpw + Æ I i ƒ B + v π Reserves & Surplus \nt -]-߃ V Æ ƒ Deposits ISw hmß-ep-iƒ =v Æ Borrowings a p- _m-[y-x-ifpw hi-bn-cp-ø-ep-ifpw +x n i Bƒ i l v x Other Liabilities and Provisions BsI V c Total II. BkvXn-Iƒ II. + Œ i ƒ II. ASSETS 1. `mc-xob dnk v _m nse scm w ]Whpw \o n-bn-cn pw Æ i Æ W «ÈEÚ Â x EÚn B + i π Cash and Balance with Reserve Bank of India _m n-ep \o n-bn-cn pw Bh-iy-s -Sp-tºmgpw {lkz-im-e-kq-n-\-bnepw e`n- p ]Whpw ÈEÚ Â Â + i π B M i l +±{ S x { Æ { v x Balances with Banks and Money at Call & Short Notice apx aps- p-iƒ x v x Investments hmbv]-iƒ + O Advances ÿnc BkvXn-Iƒ l + Œ i ƒ Fixed Assets a v BkvXn-Iƒ- +x + i ƒ Other Assets BsI V c Total

63 am v 31 se IW- -\p-k-cn- p BkvXn _m[yxm]{xw 31 S «, 2010 EÚ Œ l i E Ú +x Æ i ± x -{ j BALANCE SHEET AS AT 31st MARCH, 2010 tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 31-am v-2010 se 31-am v-2009 se +x S IW- -\p-k-cn v IW- -\p-k-cn v Schedule 31- S «-2010 EÚ Œ l i 31- S «-2009 EÚ Œ l i As at 31-Mar-2010 As at 31-Mar-2009 BI-kvanI _m[y-x-iƒ + EÚŒ EÚ n i Bƒ Contingent Liabilities hkq-em- m-\p _n p-iƒ O Ω E Ú ± B ± Bills for Collection Paoem {]Imiw su]yq n P\-d amt\-p ([-\-Im-cyhpw A u pifpw) V ± EÚ ={ Ω v EÚ ( k B ± J ) Jameela Prakasam Deputy General Manager (Finance and Accounts) si kn _tµym]m ymbv E Ú t { v K C Bandyopadhyay Kym Nµv ]n]mcm Y x S xn { { Æ Gyan Chand Pipara imizx Nu[cn P\-d amt\-p ({Sjdn) i S Ëv Æ Ω v EÚ (Æ V EÚ π ) Saswata Chaudhuri General Manager (Treasury) Fkv F XnΩø B B l Ë S A Thimmiah F tkxpam[h B i v x A Sethumadhavan Fkv _men{µ No^v P\-d amt\-p B ± S xp x J Ω v EÚ S Balachandran Chief General Manager Ub-d-IvS am x n EÚM h DIRECTORS _n Fkv tkm]meirjvw B M { ± EfiÚπh B S Gopalakrishna ]n hn\mbkw { x M P Vinayagam F si PK my amt\-pnwkv Ub-d-IvS B E Ú V M z l x v x n EÚ A K Jagannathan Managing Director si XmWp ]n E Ú i h { ±± Ë K Thanu Pillai CtX Xob-Xn-bn Rß-fpsS dnt m n ]d- n- p- -Xp-t]mse i l EÚ Ω Æ Æ { ]«ı E Ú +x Æ As per our report of even date HmUn- am ± J { Æ I EÚ AUDITORS H ]n ` v snb am + { ^ı +v I O P Bhatt Chairman t{]w Kp]vX B Uv skmum\n B Uv kmlm KmwKpen B Uv cma\myw B Uv spbn B Uv Iº\nbv v th n Iº\nbv v th n Atkmkntb vkn\p th n dmhphn\v th n spbn\n\p th n Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv A\n Ipam Kp]vX cmtpjv skmum\n kao Ipam kmlm kn. Imtaizc dmhp \ncrvp Fw. spbn ] mfn ] mfn ] m-fn ] mfn ] mfn AwKXz kwjy AwKXz kwjy AwKXz kwjy AwKXz kwjy AwKXz kwjy F^vB F : F F^vB F : kn F^vB F : C F^vB F : Fkv F^vB F : U_vfyp EfiÚi M {i B E Ú{ x EfiÚi b x B E Ú{ x EfiÚi Ω M M ± B B ] ı EfiÚi Æ x l B Æ EfiÚi V Ëx B V Ëx x n ± J EÚ Æ x n ± J EÚ Æ x n ± J EÚ Æ x n ± J EÚ Æ x n ± J EÚ Æ + x ± E Ú Æ M {i M n Æ Æ V b x M n Æ Æ E Ú Æ Ω M n Æ. EÚ Æ Æ M n Æ x Æ V x B. V Ëx M n Æ n i n i n i n i n i B Ú+ Æ Bx : Bx B Ú+ Æ Bx : B Ú+ Æ Bx : <«B Ú+ Æ Bx : B B Ú+ Æ Bx : b ± For Prem Gupta & Company For Sodani & Company For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Anil Kumar Gupta Rajesh Sodani Samir Kumar Saha C. Kameswara Rao Niranjan M Jain Partner Partner Partner Partner Partner Membership No Membership No Membership No Membership No Membership No FRN: N FRN: C FRN: E FRN: S FRN: W timgnt msv, G{]n 23, 2010 EÚ π CEÚ b ı, 23 + ˱ 2010 Kozhikode, 23rd April 2010

64 am v 31 \v Ah-km-\n- p em` \jvs- -W v 31 S «, 2010 EÚ {i π «Ω i ± B Ω x J i PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2010 tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) 31 am v 2010 \v 31 am v 2009 \v kam-]n kam-]n ] ni h jw h jw +x S 31 S «2010 EÚ 31 S «2009 EÚ Schedule {i π «{i π «For the year ended For the year ended 31st March st March 2009 I. hcp-am\w + INCOME 1. B nx ]eni +ÃV i V Interest Earned a p hcp-am\w +x + Other Income BsI V c Total II. snehv EXPENDITURE 1. sne-hm- nb ]eni EÚ M V Interest Expended {]h Ø-\-s -e-hp-iƒ { Æ S ± x Operating Expenses hi-bn-cp-øepifpw BI-kvanI sne-hp-ifpw v x + ËÆ + EÚŒ EÚ Provisions and Contingencies BsI V c Total III. em`w/\jvsw ± /Ω x PROFIT/LOSS 1. \S- p-h jsø A m-zmbw π «EÚ r ± Net Profit for the Year ap _m n em`w +O x i ± Profit brought forward BsI V c Total hn-\n-tbmkw x V x APPROPRIATIONS 1. \nb-am-\p-krx Icp-X-en-te v am w v EÚ + Æ I i  EÚ + i Æ h Transfer to Statutory Reserves aqe-[-\-i-cp-x-en-te v am w (\nipxn kamtbmp\w Ipd Xn\v tijw) { ƒv + Æ I i  EÚ + i Æ h (EÚÆ V x EÚ x ± ) Transfer to Capital Reserves (net of tax adjustments) a p Icp-X-en-te v am w +x + Æ I i  EÚ + i Æ h Transfer to Other Reserves F) {]txyi dnk hv ssdnth ohv (sluvpnwkv) (\nipxn {IaoIcWØn\v tijap _m n) B) π + Æ I i b Æ ]ı ( S l ) (EÚÆ V x  EÚ x ± ) a) Special Reserve Derivatives (Hedging) (net of tax adjustments) C E ÚUÙ x Ω Nil _n) BZmb\nIpXn \nbaw hip v 36 {]Imcw IcpX ) + EÚÆ + v x EÚ v Æ 36 E Ú +xi M «i + Æ I i b) Reserve under Sec 36 of IT Act kn) s]mxp-i-cp-x ) x + Æ I i ƒ c) General Reserves Un) \nt ]-I-cp-X A u v (\nipxn kamtbmp\w Ipd Xn\v tijw) b ) x + Æ I i J i (EÚÆ V x EÚ x ± ) d) Investment Reserve Account (net of tax adjustments) C E ÚUÙ x Ω Nil 4. \n ±njvs em`-hn-lnxw i i ± Proposed Dividend em`-hn-ln-x-øn-t -ep \nipxn ± { Æ EÚÆ Tax on Dividend BkvXn-_m-[yXm ]{X-Øn-te v sim p-h _m n + i π, V + M i ± x -{ j  ± V M ΩË Balance carried over to Balance Sheet BsI V c Total

65 am v 31 \v Ah-km-\n- p em` \jvs- -W v 31 S «, 2010 EÚ {i π «Ω i ± B Ω x J i PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2010 tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) 31 am v 2010 \v 31 am v 2009 \v kam-]n h jw kam-]n h jw ] ni 31 S «2010 EÚ {i π «31 S «2009 EÚ {i π «+x S For the year ended For the year ended Schedule 31st March st March 2009 kv] amb A u nwkv \bw =±± J x ± J x i Significant Accounting Policy 17 IW- p-i-fpss hni-zo-i-cw pdn- p-iƒ ± J  { Æ ]ı{{ h ƒ Notes to Accounts 18 ASnÿm\]chpw NypXnhcpØnbXpamb {]XnHmlcn hcpam\w (cq]bn ) ± B i x EfiÚi +ÃV i i Æ (Ø {  Â) Basic & diluted Earnings per Share (in Rupees) Paoem {]Imiw su]yq n P\-d amt\-p ([-\-Im-cyhpw A u pifpw) V ± EÚ ={ Ω v EÚ ( k B ± J ) Jameela Prakasam Deputy General Manager (Finance and Accounts) si kn _tµym]m ymbv E Ú t { v K C Bandyopadhyay Kym Nµv ]n]mcm Y x S xn { { Æ Gyan Chand Pipara Fkv F XnΩø B B l Ë S A Thimmiah Ub-d-IvS am x n EÚM h DIRECTORS _n Fkv tkm]meirjvw B M { ± EfiÚπh B S Gopalakrishna CtX Xob-Xn-bn Rß-fpsS dnt m n ]d- n- p- -Xp-t]mse i l EÚ Ω Æ Æ { ]«ı E Ú +x Æ As per our report of even date HmUn- am ± J { Æ I EÚ AUDITORS si XmWp ]n E Ú i h { ±± Ë K Thanu Pillai t{]w Kp]vX B Uv skmum\n B Uv kmlm KmwKpen B Uv cma\myw B Uv spbn B Uv Iº\nbv v th n Iº\nbv v th n Atkmkntb vkn\p th n dmhphn\v th n spbn\n\p th n Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv A\n Ipam Kp]vX cmtpjv skmum\n kao Ipam kmlm kn. Imtaizc dmhp \ncrvp Fw. spbn ] mfn ] mfn ] m-fn ] mfn ] mfn AwKXz kwjy AwKXz kwjy AwKXz kwjy AwKXz kwjy AwKXz kwjy F^vB F : F F^vB F : kn F^vB F : C F^vB F : Fkv F^vB F : U_vfyp EfiÚi M {i B E Ú{ x x n ± J EÚ Æ EfiÚi b x B E Ú{ x x n ± J EÚ Æ EfiÚi Ω M M ± B B ] ı x n ± J EÚ Æ EfiÚi Æ x l B Æ x n ± J EÚ Æ EfiÚi V Ëx B V Ëx x n ± J EÚ Æ + x ± E Ú Æ M {i Æ V b x Æ E Ú Æ Ω. EÚ Æ Æ x Æ V x B. V Ëx M n Æ n i M n Æ n i M n Æ n i M n Æ n i M n Æ n i B Ú+ Æ Bx : Bx B Ú+ Æ Bx : B Ú+ Æ Bx : <«B Ú+ Æ Bx : B B Ú+ Æ Bx : b ± For Prem Gupta & Company For Sodani & Company For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Anil Kumar Gupta Rajesh Sodani Samir Kumar Saha C. Kameswara Rao Niranjan M Jain Partner Partner Partner Partner Partner Membership No Membership No Membership No Membership No Membership No FRN: N FRN: C FRN: E FRN: S FRN: W timgnt msv, G{]n 23, 2010 EÚ π CEÚ b ı, 23 + ˱ 2010 Kozhikode, 23rd April 2010 imizx Nu[cn P\-d amt\-p ({Sjdn) i S Ëv Æ Ω v EÚ (Æ V EÚ π ) Saswata Chaudhuri General Manager (Treasury) F tkxpam[h B i v x A Sethumadhavan Fkv _men{µ No^v P\-d amt\-p B ± S xp x J Ω v EÚ S Balachandran Chief General Manager ]n hn\mbkw { x M P Vinayagam F si PK my amt\-pnwkv Ub-d-IvS B E Ú V M z l x v x n EÚ A K Jagannathan Managing Director H ]n ` v snb am + { ^ı +v I O P Bhatt Chairman

66 66 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 1 aqe-[\w 31-am v-2010 se 31-am v-2009 se +x S 1 { ƒv IW \pkcn v IW \pkcn v Schedule - 1 CAPITAL 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i As at 31-Mar-2010 As at 31-Mar-2009 F) AwKo-IrX aqe-[\w (10 cq] hox-ap- 50,00,00,000 Hml-cn-I-ƒ) B) v EfiÚi { ƒv (10 Ø. i Æ ± 50,00,00,000 Æ ) A) Authorised Capital (50,00,00,000 Shares of Rs 10 each) _n) ]pd-s -Sp-hn, hmßm kωxn-, AS pxo Ø aqe-[\w (10 cq] hox-ap- 5,00,00,000 Hml-cn-I-ƒ) ) x M «i, + n k + ËÆ n k { ƒv (10 Ø. i Æ ± 5,00,00,000 Æ ) B) Issued, Subscribed and Paid up Capital (5,00,00,000 Shares of Rs. 10 each) ] ni 2 Icp-X-ep-Ifpw an hpw +x S Æ I i ƒ B + v π Schedule - 2 RESERVES & SURPLUS I. \nb-am-\p-krx Icp-X-ep-Iƒ v EÚ + Æ I i ƒ Statutory Reserves II. {]mcw` \o n-bn-cn v +l π Opening Balance \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year \S- p-h j-ønse Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil aqe-[\ Icp-X-ep-Iƒ { ƒv + Æ I i ƒ Capital Reserves {]mcw` \o n-bn-cn v +l π Opening Balance \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year \S- p-h j-ønse Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil III. Hmlcn {]oanbw Æ Share Premium {]mcw` \o n-bn-cn v +l π Opening Balance \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil \S- p-h j-ønse Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil

67 67 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 2 Icp-X-ep-Ifpw an hpw IV sdh-\yqhpw a p Icp-X-ep-I-fpw Æ V B +x + Æ I i ƒ Revenue and Other Reserves F) cq] sb kzm]vkpifpss em`ønt ep kvs]jy dnk v A u v B) Ø { - x Ë{ { Æ ± Ω i π + Æ I i J i (a) Special Reserve Account for profit on Rupee-Yen Swaps {]mcw` \o n-bn-cn v +l π Opening Balance \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year C E ÚUÙ x Ω Nil \S- p-h j-ønse Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil _n) BZmb\nIpXn \nbaw 36 {]Imcw IcpXepIƒ ) + EÚÆ + v x EÚ v Æ 36 E Ú +xi M «i + Æ I i ƒ (b) Reserves under Sec 36 of IT Act {]mcw` \o n-bn-cn v +l π Opening Balance C E ÚUÙ x Ω Nil \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year \S- p-h j-ønse Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil kn) a p IcpXep-Iƒ ) 31 am v 2010se IW- -\p-k-cn v 31 am v 2009se IW- -\p-k-cn v +x S Æ I i ƒ B + v π 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 2 RESERVES & SURPLUS (Contd.) As at 31-Mar-2010 As at 31-Mar x + Æ I i ƒ (c) Other Reserves {]mcw` \o n-bn-cn v +l π Opening Balance \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year \S- p-h j-øn-ep- mb Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil Un) \nt ]-I-cp-X A u v b ) x + Æ I i J i d) Investment Reserve Account C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil \S- p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year C E ÚUÙ x Ω Nil \S- p-h j-øn-ep- mb Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil {]mcw` \o n-bn-cn v +l π Opening Balance V. em` \jvs -W- nse \o n-bn-cn v ± B Ω x J i EÚ + i π Balance in Profit & Loss account BsI V c Total

68 68 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 3 \nt -]-߃ se IW- -\p-k-cn v se IW- -\p-k-cn v +x S - 3 x I { 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule-3 DEPOSITS As at 31-Mar-2010 As at 31-Mar-2009 F EÚ) I. Unam Uv \nt ]w I. M x I { A. I. Demand Deposits _m p-i-fn \n v ÈEÚ From Banks a p- -h-bn \n v +x From Others II. tkhnwkvkv _m v \nt -]-߃ S i ÈEÚ x I { Savings Bank Deposits III. Imem-h[n \nt -]-߃ n x I { Term Deposits _m p-i-fn \n v ÈEÚ Â From Banks a p- -h-bn \n v +x From Others BsI V c Total _n. J. I. C y- imj-ifnse \nt ]߃ I. Æ i  J +  E Ú x I { B. I. Deposits of Branches in India II. hntzi imj-i-fnse \nt -]-߃ II. Æ i E Ú Ω Æ J +  E Ú x I { II. Deposits of Branches outside India C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil BsI V c Total

69 69 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 4 ISw hmß-ep-iƒ se IW- -\p-k-cn v se IW- -\p-k-cn v +x S - 4 =v Æ 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 4 BORROWINGS As at 31-Mar-2010 As at 31-Mar-2009 I. C y-bv I-Øp ISw hmß-ep-iƒ Æ i  =P Æ Borrowings in India i) `mc-xob dnk v _m v Æ i Æ W «ÈEÚ Reserve Bank of India C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil ii) a p _m piƒ +x ÈEÚ Other Banks C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil II. iii) a p ÿm]-\-ß-fpw GP kn-ifpw +x l B + ËÆ + EÚÆ h Other Institutions and Agencies hntz-i-øp-\n- pff hmbv-]iƒ Æ i E Ú Ω Æ =v Æ Borrowings outside India C E ÚUÙ x Ω Nil BsI V c Total III. ta d- n- p- -h-bn Dƒs -Sp-Ønb kpc- nx ISw hmß-ep-iƒ ={ «HÚ Â Œ ± i i i =v Æ Secured Borrowings included in above C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil

70 70 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 5 a p _m[y-x-ifpw hi-bn-cp-ø-ep-ifpw se IW- -\p-k-cn v se IW- -\p-k-cn v +x S - 5 +x n i + ËÆ v x 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 5 OTHER LIABILITIES & PROVISIONS As at 31-Mar-2010 As at 31-Mar-2009 I. ]Ww simsp-t _n piƒ n ± Bills Payable II. C Hm^okv AUvPÃpsa piƒ (s\ v) +xi Æ EÚ «± V x ( x ± ) Inter Office Adjustments (net) C E ÚUÙ x Ω Nil III. k nx ]eni n i V Interest Accrued IV. ap Iq-dmbn AS \nip-xnbpw D -h-øn \n p Ipd \nip-xnbpw + O { n k /ª i { Æ EÚ ]ı M EÚÆ Tax paid in advance/tax deducted at source C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil V. a p- h (h-i-bn-cp-ø-ep-iƒ Dƒs -ss) +x ( v x Â Ω i ) Others (including provisions) # BsI V c Total # Chbn Dƒs Sp h # V  Œ ± i ΩË # Includes F) \ne-hm-c-ap BkvXn-I-fn-t BI-kvanI hi-bn-cp-ø-ep-iƒ (B) x EÚ + Œ i  E Ú i v x a) Provision against Standard Assets _n) am nhbv s \nipxn (A _m[yx) ( ) + l M i EÚÆ n i Bƒ ( x ± ) b) Deferred Tax Liabilities (Net) C E ÚUÙ x Ω Nil

71 71 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni - 6 `mc-xob dnk v se se _m nse \mwyhpw \o n-bn-cn pw IW- -\p-k-cn v IW- -\p-k-cn v +x S - 6 Æ i Æ W «ÈEÚ Â x EÚn B + i π 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 6 CASH AND BALANCE WITH RBI As at 31-Mar-2010 As at 31-Mar-2009 I. ssih-i-ap XpI (hn-tzi Id knt\m p-i-fpƒs ss) Ω l  x EÚn ( n EÚÆ x ]ı Ω i ) Cash in hand (including foreign currency notes) II. d-n-k v _m v Hm^v C y-bn-ep- \o n-bn-cn v Æ i Æ W «ÈEÚ Â + i π Balances with Reserve Bank of India i) Id- v A u- n S ± J i  In Current Account ii) a v A u pi-fn +x J i   In Other Accounts C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil BsI V c Total

72 72 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 7 _m nse \o n-bn-cn pw Bh-iy-s -Sp-tºmgpw se se {lkz-ime kqn-\-bnepw e`n- p ]Whpw IW- -\p-k-cn v IW- -\p-k-cn v +x S - 7 ÈEÚ Â Â + i π B 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i M i l +±{ S x { Æ { v x As at 31-Mar-2010 As at 31-Mar-2009 Schedule - 7 BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE v I. C y-bn Æ i  In India i) _m p-i-fnse \o n-bn-cn v ÈEÚ Â Â + i π Balances with Banks F) Id A u- p-i-fn EÚ) S ± J i   a) in Current Accounts _n) a p \nt ] A u- p-i-fn J ) +x V J i   b) in Other Deposit Accounts C E ÚUÙ x Ω Nil ii) Bh-iy-s -Sp-tºmgpw {lkz-ime kqn-\-bnepw e`n- p ]Ww M B +±{ S x { Æ { v x Money at Call and Short Notice v F) _m- n EÚ) ÈEÚ E Ú { a) with Banks C E ÚUÙ x Ω Nil _n) a p ÿm]-\-ß-fn J ) +x l +   b) with other institutions C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil II. C y v ]pdøv Æ i E Ú Ω Æ Outside India i) Id A u- p-i-fn S ± J i   in Current Accounts C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil ii) a p \nt ] A u- p-i-fn +x V J i   in Other Deposit Accounts C E ÚUÙ x Ω Nil iii) Bh-iy-s -Sp-tºmgpw {lkz-ime kqn-\-bnepw e`n- p ]Ww M B +±{ S x { Æ { v x Money at Call and Short Notice C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil BsI V c Total

73 73 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 8 apx aps- p-iƒ se IW- -\p-k-cn v se IW- -\p-k-cn v +x S - 8 x v x 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 8 INVESTMENTS As at 31-Mar-2010 As at 31-Mar-2009 F I. C y-bn A I. Æ i  In India: i) k m Pmay-߃ Æ EÚ Æ i i ƒ  Government Securities ii) a v AwKo-IrX Pmay-߃ +x +x n i i i   Other Approved Securities iii) Hml-cn-Iƒ Æ Â Shares iv) IS- -{X-ßfpw t_m p-ifpw b ÂS Æ + ËÆ v { j  Debentures and Bonds v) D]mw-K-ßfpw/AYhm kwbp kwcw-`-ßfpw x π M + ËÆ / +l Ω =t  Subsidiaries and/or Joint Ventures C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil vi) a p- h +x Others F II C- ybv v ]pdøv-, a p h A II. Æ i E Ú Ω Æ - +x Outside India - Others C E ÚUÙ x Ω Nil BsI V c Total _n I C- ybv IØp apx aps- p-iƒ B I. Æ i E Ú +xn Æ x v x Investments in India i) apx aps- p-i-fpss samø-hne x v x  EÚ EÚ± ± Gross value of investments ii) hne-bn-sn-hn-\p samøw hi-bn-cp-ø-ep-iƒ ± ø E Ú ± B E Ú± v x Aggregate provision for Depreciation iii) apx aps- p-i-fpss A aqeyw x v x  EÚ x ± ± Net Value of Investments _n II. C ybv p ]pd-øp apx aps- p-iƒ a p h B II. Æ i E Ú Ω Æ x v x - +x Investments outside India - Others C E ÚUÙ x Ω Nil BsI V c Total

74 74 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 9 hmbv]iƒ se IW- -\p-k-cn v se IW- -\p-k-cn v +x S O 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 9 ADVANCES As at 31-Mar-2010 As at 31-Mar-2009 F i) _n p-iƒ hmßn-bxpw UnkvIu v snbvxxpw EÚ) i) GÚ i B ] ı]ı M i ± Bills Purchased and Discounted A) ii) Iymjv s{iun- p-ifpw Hmh {Um-^v p-ifpw Bhiy-s -Sp-tºmƒ Xncn- -S-bvt hmbv]-ifpw ii) Æ EÚc =v Æ, + Æ b } ]ı + ËÆ M { Æ ii) Cash Credits, Overdrafts & Loans repayable on demand iii)imem-h[n hmbv]-iƒ Term Loans iv) ADWDRS 2008 {]Imcw `mcx k mcn \n pw e`nt XpI iv) B b b ± b + Æ B 2008 E Ú +xi M «i Æ i Æ EÚ Æ { Æ iv) Amount receivable from GOI under ADWDRS BsI V c Total _n i) ÿqe BkvXn-I-fm kwc- nxw (IW- p-_p- p-i-fnse IS-ß-fn-t -ep hmbv]-iƒ Dƒ ss) J ) i) i «+ Œ i  u Æ i i ( { Æ + O Ω i ) B. i) Secured by Tangible Assets (includes advances against Book Debts) ii) _m v/k m Kmc- n-i-fm kwc nxw ii) ÈEÚ/ Æ EÚ Æ i i  u Æ Æ I i ii) Covered by Bank /Government Guarantees iii)pmay-an- m-øxv + i i Unsecured BsI V c Total kn I. C y-bv I-Øp hmbv]-iƒ M ) I. Æ i  + O C. I. Advances in India i) ap K-W-\m- ta-je l EÚ I j Priority Sector ii) s]mxp-ta-je «V x EÚ I j Public Sector iii)_m p-iƒ ÈEÚ Banks C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil iv) a p- h +x Others D]-XpI ={ V c Sub-Total

75 75 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 9 hmbv]iƒ ] ni 10 ÿnc BkvXn-Iƒ +x S - 10 l + Œ i ƒ Schedule - 10 FIXED ASSETS se IW- -\p-k-cn v se IW- -\p-k-cn v +x S O 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 9 ADVANCES (Contd.) As at 31-Mar-2010 As at 31-Mar-2009 kn II. C ybv p ]pd-øp hmbv]-iƒ M ) II. Æ i E Ú Ω Æ + O C. II. Advances outside India i) _m n \n pw Int - Xv ÈEÚ Â { Due from banks C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil ii) a p- -h-bn \n pw Int - Xv +x { Due from others C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil F) _n p-iƒ hmßn-bxpw UnkvIu v snbvxxpw B) GÚ i B ] ı]ı M i ± a) Bills Purchased and Discounted C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil _n) kamlcn hmbv] ) Ω b) Syndicated loans C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil kn) a p h ) +x c) Others C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil D]-XpI ={ V c Sub-Total C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil BsI V c Total I. ]cn-kcw { Æ Æ Premises i) ap h jw am v 31 se IW- -\p-k-cn- p snehv { «i π «EÚ 31 S «EÚ Œ l i E Ú +x Æ ± M i { Æ At cost as on 31st March of the preceding year ii) \S p-h j-ønse h [-\ π «E Ú n ËÆ x { Æ v «x Additions during the year iii) \Sp- p-h jønse Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year iv) CXp-h-sc-bp hne-bn-sn-hv +ti x ± ø Depreciation to date II. a v ÿnc BkvXn-Iƒ (^ Wn- dpw ÿmh-c-h-kvxp- fpw Dƒs -ss) +x l + Œ i ƒ (<x  Úx S Æ B ÚC S Æ Œ ± i ΩÈ ) Other Fixed Assets (including Furniture and Fixtures) i) ap h jw am v 31 se IW- -\p-k-cn- p snehv { «i π «EÚ 31 S «EÚ Œ l i E Ú +x Æ ± M i { Æ At cost as on 31 st March of the preceding year ii) \S- p-h j-øn-ep- mb h [\ π «E Ú n ËÆ x { Æ v «x Additions during the year iii) \S- p-h j-øn-se Ipdhv π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year iv) CXp-h-sc-bp hne-bn-snhv +ti x + I h Depreciation to date III. ] b BkvXn-Iƒ { ] ı]ı EfiÚi + Œ i ƒ Leased Assets i. ap h jw am v 31 se IW- -\p-k-cn- p snehv- { «i π «EÚ 31 S «EÚ Œ l i E Ú +x Æ ± M i { Æ At cost as on 31st March of the preceeding year ii. \S- p-h j-ønse h [\ π «E Ú n ËÆ x { Æ v «x Additions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil iii. \S- p-h j-ønse Ipdhv- π «E Ú n ËÆ x EÚ]ı Ë i ƒ Deductions during the year C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil iv. C-Xp-h-sc-bp hne-bn-snhv +ti x + I h Depreciation to date C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil BsI V c Total

76 76 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS Schedule - 12 CONTINGENT LIABILITIES As at 31-Mar-2010 As at 31-Mar-2009 I II III IV V VI _m n-s\-xn-sc-bp Ah-Im-i-hm-Z-߃ hmbv]-bmbn AwKo-I-cn- n- n- m-øh ÈEÚ E Ú Ø r n, V E Ú {  EÚ Æ x Ω EÚ M ΩË Claims against the Bank not acknowledged as debts `mkniambn AS p Xo Ø \nt ]ßfnt ep _m[yx x  EÚ n k + EÚ ± EÚ n i Liability for partly paid investments C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil _m n-\n-ev]p ap Iq hn\n-ab Icm-dnse _m[yx EÚ n x n +  E Ú EÚ Æ h n i Liability on account of outstanding forward exchange contracts _m n-\n-ev]p H Id kn ]eni \nc v kzm]v Icm-dns _m[yx EÚ BEÚ± EÚÆ V n Æ Ë{ EÚÆ Æ E Ú EÚ Æ h n i Liability on account of outstanding single currency interest rate swap contracts tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) ] ni 11 a v BkvXn-Iƒ se IW- -\p-k-cn v se IW- -\p-k-cn v +x S x + Œ i ƒ 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i Schedule - 11 OTHER ASSETS As at 31-Mar-2010 As at 31-Mar-2009 I. C Hm^okv AUvPÃpsa piƒ +xi Æ EÚ «± V x Inter Office Adjustments (Net) C E ÚUÙ x Ω Nil II. k nx ]eni n i V Interest accrued III. ap Iq-dmbn AS \nip-xnbpw D -h-øn \n p Ipd \nip-xnbpw (h-i-bn-cp-ø-en\p tijw) + O { n k /ª i { Æ EÚ ]ı M EÚÆ ( l +  EÚ x ± ) Tax paid in advance/tax deducted at source (net of provisions) IV. tej\ kma-{kn-ifpw Ãmºp-Ifpw ± J x - O + ËÆ ]Ë { Stationery and Stamps V. Ah-Im-i-hm-Z-߃ Xr]vXn-s -Sp-Øn-b-Xn-eqsS e`y-amb _m nwkv CXc BkvXn-Iƒ n  EÚ i Œπ]ı  + v M fiω i M ËÆ ÈEÚEÚ Æ + Œ i ƒ Non banking assets acquired in satisfaction of claims VI. a p- h +x Others # BsI V c Total # Dƒs ss Ω i Includes: am nshbv s \nipxn (A BkvXn) + l M i EÚÆ + Œ i ( x ± ) Deferred Tax Assets (Net) ] ni 12 BI-kvanI _m[y-x-iƒ se IW- -\p-k-cn v se IW- -\p-k-cn v +x S EÚŒ EÚ n i Bƒ 31 S «2010 EÚ Œ l i 31 S «2009 EÚ Œ l i CS-]m-Sp-Im v th n simspø Kmc- n-iƒ P ]ıeú  EÚ + Æ n M <«M Æ ]ıı ƒ Guarantees given on behalf of constituents i) C ybv IØv- i) Æ i  i) In India ii) C ybv v ]pdøv ii) Æ i E Ú Ω Æ ii) Outside India kzoim-chpw F tum-gvkvsa p-ifpw a p _m[y-x-ifpw i O Ω h, { fiπ`ˆ EÚx + ËÆ +x v i B Acceptances, endorsements & other obligations VII hnhmz BZm-b-\n-IpXn _m[yx n O i + EÚÆ n i Disputed Income Tax liability VIII _m n\v BI-kvanI _m[yx D a- n-\-߃ +x nâ, V x E Ú ± B ÈEÚ + EÚŒ EÚ { =k Æ n ΩË Other items for which the Bank is contingently liable C E ÚUÙ x Ω Nil BsI V c Total hkqemt _n piƒ ± Ω i ± Bills for collection

77 77 ] ni 13 B nx ]eni +x S ÃV i V Schedule - 13 INTEREST EARNED I II hmbv]-i-fnse / _n p-i-fnse ]eni / Ingnhv + O  / ±  { Æ V / i EÚ ]ı Interest / Discount on Advances / Bills apx aps- p-i-fn \n p hcp-am\w x v x  { Æ + Income on Investments III `mc-xob dnk v _m nse \o n-bn-cn ns bpw a p _m p-iƒ XΩn-ep ^ p-i-fn-sebpw ]eni Æ i Æ W «ÈEÚ E Ú + i π  + ËÆ +x + i Æ - ÈEÚ x v  { Æ V Interest on balances with Reserve Bank of India and other inter-bank funds IV a p- h +x Others BsI V c Total ] ni 14 a p hcp-am\w +x S x + Schedule-14 OTHER INCOME 31 am v 2010 \v 31 am v 2009\v kam-]n h jw kam-]n h jw 31 S «2010 EÚ {i π «31 S «2009 EÚ {i π «For the year ended For the year ended 31st March st March 2009 I. IΩo-j, hn\n-abw & Z mƒ]sn EÚ x, x + ËÆ n ± ± Commission, Exchange & Brokerage II. apx ap-s- p-i-fpss hnev]-\-bn-ep em`w x v x  E Ú GÚ { Æ ± Profit on sale of investments Ipd-bv pi apx ap-s- p-i-fpss hnev]-\-bnse \jvsw x v x  E Ú GÚ { Æ Ω x EÚ P ]ı EÚÆ Less: Loss on sale of Investments C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil III. apx aps- p-i-fpss ]p\ aq-ey-ønse em`w x v x  E Ú { x «± EÚx { Æ ± Profit on revaluation of investments C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil Ipd-bv pi apx aps- p-i-fpss ]p\ aq-ey- -Ønse \jvsw x v x  E Ú { x «± EÚx { Æ Ω x EÚ P ]ı EÚÆ Less : Loss on revaluation of Investments C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil C E ÚUÙ x Ω Nil IV. hn -t mƒ D mb em`w, x  + ËÆ +x + Œ i  E Ú GÚ { Æ ± Profit on sale of land, buildings & other assets Ipd-bv pi `qan, si nsw, a v BkvXn-Iƒ F nh hn -t mƒ D mb \jvsw, x  + ËÆ +x + Œ i  E Ú GÚ { Æ Ω x EÚ P ]ı EÚÆ Less : Loss on sale of land, buildings & other assets (20 77) V. hn\n-ab CS-]m-Snse (s\ v Hm^v temkv) em`w x Ω Æ Â { Æ ± (Ω x EÚ P ]ı EÚÆ ) Profit (net of loss) on exchange transactions

78 78 IW- pi-fpss ] ni ± J  EÚ +x S ƒ SCHEDULES TO ACCOUNTS ] ni 14 a p hcp-am\w +x S x + Schedule-14 OTHER INCOME (Contd.) tã v _m v Hm^v {Smh Iq ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ STATE BANK OF TRAVANCORE (cq] BbncØn Ø. Ω V Æ Â Rs. in thousand) 31 am v 2010 \v 31 am v 2009\v kam-]n h jw kam-]n h jw 31 S «2010 EÚ {i π «31 S «2009 EÚ {i π «For the year ended For the year ended 31st March st March 2009 VI. hntz-itøm/ C y-bntem D D]mwK߃/ Iº-\n-Iƒ/ Iq p-kw-cw-`-߃ F n-h-bn \n p / em`-hoxw aptj\ e`n hcp-am\w n / Æ i  l { i x π M Â/E Ú{ x  + ËÆ / Ω =t  ± + n E Ú {  +ÃV i + Income earned by way of dividends, etc. from subsidiaries/ companies and/or joint ventures abroad/in India C E ÚUÙ x Ω Nil VII. ]e-hi hcp-am\w EÚ h «+ Miscellaneous Income BsI V c Total ] ni 15 sne-hm- nb ]eni +x S - 15 EÚ M V Schedule - 15 INTEREST EXPENDED I \nt -]-ß-fnse ]eni x I {  { Æ V Interest on Deposits II `mc-xob dnk v _m v / _m p-iƒ XΩn-ep ISw hmß-ense ]eni Æ i Æ W «ÈEÚ/+ i Æ - ÈEÚ =v Æ Â { Æ V Interest on RBI/Inter-Bank Borrowings III a p- h +x Others BsI V c Total

79 79 ] ni 16 {]h Ø\ snehv +x S - 16 { Æ S ± x Schedule -16 OPERATING EXPENSES I Poh-\- m v ]Ww simsp- epw hi-bn-cp-ø-ep-ifpw EÚ «S Æ Â EÚ M i x + ËÆ = EÚ v x Payments to and Provisions for Employees II hms-i, \nip-xn, sshzypxn b, EÚÆ + ËÆ V ± Rent, Taxes & Lighting III A- -Snbpw tej-\-km-a-{kn-bpw p h + ËÆ ± J x - O Printing & Stationery IV ]c-kyhpw {]Nm-c-Whpw Y { x + ËÆ S Æ Advertisement and Publicity V _m ns kzøn-t -ep hne-bn-snhv ÈEÚ EÚ { k { Æ + I h Depreciation on Bank s Property VI Ub-d-IvS am-cpss ^okv, _Ø-Iƒ, sne-hp-iƒ x n EÚ Â EÚ Ú, k + ËÆ Directors Fees, Allowances and Expenses VII HmUn- am-cpss ^okpw sne-hp-ifpw ± J { Æ I EÚ Â EÚ Ú B Auditors Fees & Expenses VIII \nba \S-]Sn sne-hp-iƒ v Æ Law charges IX X]m, Iºn-hm Ø-Iƒ, Zqc-`m-j-W-b-{ -߃ F nh b EÚ Ω ±, i Æ, ] ± Ú x, + n Postage, Telegrams, Telephones, etc X 31 am v 2010\v 31 am v 2009 \v kam-]n h jw kam-]n h jw 31 S «2010 EÚ {i π «31 S «2009 EÚ {i π «For the year ended For the year ended 31st March st March 2009 tisp-t]m- -ep-ifpw A -Ip- - -Wn-Ifpw Æ i + ËÆ +x Æ I h Repairs and Maintenance XI C jq-d kv Insurance XII a p snehv +x Other Expenditure BsI V c Total

80 80 ] ni 17 {][m-\-s IW-s -gpøp \b-߃ s]mxp-xxzw CtXmS\p_ n p kmºøni hnhcw߃ Imem\pkrX hne ASnÿm\am nbpw t`zkxn hcpønbn p hntzi \mwb CS]mSpIfpw C Uybn s]mxpsh AwKoIcn s n p A u nwkv XXzßfpsS bpw Xmsg dbp h Dƒs Sp \nba]camb hi bncpøepiƒ, \nb{ Wm[nImcnIfpsS \n t±i߃, dnk v _m v Hm^v C Uy C Ãn yq v Hm^v Nm t Uv A u v Hm^v C UybpsS IW v \nehmcßfpw am \n t±i tcjifpssbpw C Uybn _m nwkv hyhkmbøn \ne\n p ]XnhpIƒ \pkrx ambmwv Xømdm nbn p Xv. 2. hntz-i-hn-\n-a-b-hp-ambn _ s CS-]m-Sp-Iƒ 2.1 hntzi Id kn-bn hn\nabw snbvx [\-]-c-amb BkvXn _m[y-x-iƒ, BkvXn_m[yXm ]{Xw Xob-Xn v {]m_eyønep mbncp t^mdn FIvkvtN v Uotegvkv Atkm-kn-tb-j Hm^v C y (s^-um-bv) bpss \nc- n ]cnh Ø\w snøs ncn p p. 2.2 Kymc- n-iƒ, ]Icap se kv Hm^v s{iun v, se kv Hm^v s{iun v, ]eni \n-c v kzm]vkpiƒ, t^m thuv td v IcmdpIƒ, hntzi Id kn Hm]vj, t^m thuv FIvkvtN v IcmdpIƒ F nh BkvXn _m[yxm ]{X- Znh-k-Øn {]m_eyønep mbncp s^umbn \nc- n ]cnh Ø\w snøs ncn p p. 2.3 hchp sne-hp-iƒ IW- m- n-bn-cn- p- Xv _ -s CS-]m-Sp-Iƒ \S-Ønb Znh-kØn {]m_eyønep mbncp hn\n-ab \nc p {]Im-c-am-Wv. hntzicmpy ßfn \SØnbn p, hntzi\mwy \nt ]ßfnt e`n m\p B PnX]eni, BkvXn _m[yxm ]{XØobXnbn s^umbv \nc p {]Imcw ]cnh Ø\w snbvxp IW m nbncn p p. 2.4 s^umbv am \n t±ia\pkcn v _m n \n p Hmtcm Id knbpssbpw ap Iq hn\nab IcmdpIƒ BkvXn_m[yXm]{XØobXnbn XØpeyamb ap Iq Icm \nc pif\pkcn p IcmdpIfpsS Imemh[n ]q ØnbmIp {IaØn ]p\ aqeyw snøs ncn p p. ]p\ aqeyw snbvx XpIbpsSbpw Icm XpIbpsSbpw hyxymkw Hmtcm CS]mSns bpw ÿnxnb\pkcn v em`tam, \ tam Bbn hisim n s Sp p. 2.5 _m n \n p Id kn Hm]vj\pIfn kzoicn txm AS txm Bb {]oanbw IW- m- n-bn-cn- p- Xv s^umbv am -\n t±-i-ßf\p-k-cn- m-wv. 3. \nt ]߃ (Xt±iobw) \nt ]ßfpsS IW piƒ kq n p Xv \nb{ Wm [nicnifpss hyhÿm]nxamb am \n t±ißf\p kcn mwv apx \nt ]ßfpsS IWs gpøv coxn {Sm km XobXn coxnbn \n pw hym]c XobXn coxn bnte v am n. 3.1 h KoIcWw \nt ]ßsf aq mbn XcwXncn ncn p p. Ah Imeh[n hsc kq n p h, hnev]\bv mbp h, hym]mc Øn\mbn kq n p, F nßs\bmwv. Hmtcm hn`mk Ønepap \nt ]ßsf _m n ]{XØn Xmsg]dbp Bdv h ßfmbn ho pw XcwXcn ncn p p. k m skiyqcn niƒ a v AwKoIrX skiyqcn niƒ HmlcnIƒ Un_ dpifpw t_m pifpw klmwk߃/kwbp kwcw`߃ a p h (Itagvky t] dpiƒ, aq z ^ piƒ, bqwn piƒ apxembh) 3.2 h KoIcWØns ASnÿm\w _m v Imemh[nhsc kq n m Dt±in p \nt ]ßsf ]q ÆImemh[nhsc ssihiw hbv p hbmbn XcwXncn ncn p p. 90 ZnhkØn\Iw ]p\ hn{ibbpw snøm\pt±in v sshihiw hbv p \nt ]ßsf hym]mcmhiyøn\mbn ssihiw hbv p h F v Xcw Xncn ncn p p. ta d c phn`mkßfnepw Dƒs SmØ \nt ]ßsf hnev]\bv mbp h F v Xcw Xncn ncn p p. \nt ]ßsf ta d aq phn`mkßfmbn XcwXncn ncn p Xv Ah hmßp kabømwv ]n osp AhbpsS XcwXncn \nb{ Wm[nImcnIfpsS \n t±i߃ \pkrxambncn pw. 3.3 hne \n Æbhpw IWs gpøpw (i) Hcp \nt ]Øns B n p Xn\p Nnehv IW m p Xv F. Nnehn \n pw hcnkwjy p e`n t{_m tdpv / IΩoj F nhsb Ipdbv p p. _n. \nt ]߃ B n p Xn\mbn simsp p t{_m tdpv/iωoj F nh dh\yqhn Dƒs SpØpIbpw Nnehn \n pw am pibpw snøp p. kn. EW{]amWßfn \n pw simsp p Xpw e`n p Xpamb JfinXIme ]enisb ]enihcpam\amtbm Nnehmtbm IW m p Xpw hnev]\nnehns ]cnkw\bn \n pw Hgnhm p XpamWv Un. Nnehv IW m p Xv shbn Uv BhtdPv timãv coxnbnemwv Cu. Hcp \nt ]sø ta d aq v hn`mkßfnsem n tesx nepw hn`mkøn IW m p Xn\v BbXv amdp Znhkw AXns B nx Nnehv /_p v hne/ Itºmf hne Chbn G hpw Ipd Xmbncn pw IW nsesp pi. Cu AhkcØn aqeytimjww A\p`s Sp ps n AXv apgph\mbpw hibncptø XmWv.

81 81 (ii) Imemh[nhsc ssihiwhbv p hn`mkw Cu hn`mkønse Hmtcm \nt ]hpw B n phm th n apjhne v ta {]Xn^ew simspøp hmßnbxmsw n AhXpSßp Xv B nx Nnehv As n EW tamn\nnehns ASnÿm\Øn IW m p XmWv. Cßs\ {]Xn^ew simspøn p s n AXv \nt ]Øns _m nbp Imemh[nhsc ÿnc BZmb coxnbn \ne\ndpøp XmWv. C{]Imcap Atam ss kvuv {]oanbsø \nt ]ßfnt ep ]eni F coxnbn IW n {Ias SptØ XmWv. sl Uv Sp sa ypcn n hn`mkøn s Sp \nt ]ßfpsS hnev]\bn \n p em`w hcpam\ambn IW m n \nipxn Ign aqe[\icpxenepw ]cnkwn v \nbam\pkrx IcpXente v am s ts XmWv. iv) hn ]\ mbpffhbpw hn]w\øn\mbn ssihiw h ncn p hbpw hn ]\ mbpffhbmb \nt ]ßfpsS Itºmf hne dnk v _m v Hm^v C UybpsS Xmsgs mspøncn p am \n t±i߃ \pkrxamwv. * ti{µ-k-h sa v skiyq-cn- n-iƒ: ^nivkvuv C Iw awn am pw sudn-th- ohvkv At m-kn-tb-j Hm^v C y (FIMMDA) bpw, ss{]adn Uotegvkv At m-kn-tb-j Hm^v C ybpw (PDA1) kwbp- -ambn {]Jym-]n hnebpss ASn-ÿm-\-Øn hn]wn hne-bv -\p-k-cn p {Iao- I-cn- n- p- v. * kwÿm\ k m skiyq-cn nifpw a p {SÃo skiyqcn- n-ifpw: X w-_- -amb sa q-cn- n-i-fn \n p {]Xnem-`sØ ASn-ÿm-\-am n IW- m- nb hne-bpss ASnÿm-\Øn FIMMDA bpw PDA1 bpw kwbp- -ambn {]Jym-]n hnesb B[m-c-am n hn]wnhnebv v A\pk-cn p {Iao-I-cn- n- p- v. Hml-cn-Iƒ: tãm v FIvkvtN v Izt -j-\p-iƒ e`y-amb-hbv v t_mwt_ tãm v FIvkv-tN v / \mj-w tãm v FIvkvtN v Izt -j-\p-i-fn GXmtWm Ipdhv, AXp {]Imcw hne \n W-bn- p- p. Id v Izt -j-\p-iƒ e`y-a- m-ø-hbv pw hne ]d-bmø Hml-cn- Iƒ pw (i) Iº-\n-bpsS G hpw HSp-hn-esØ _me kv jo v {]Im-c-ap (do-hm-eyp-th-j dnk hp-iƒ GsX nepap-s - n Ahsb ]cn-k-wn- msx) _p p hmeyp {]Im-c-ap hne (ii) G hpw HSp-hn-esØ _me kv jo v e`y-a- mø kml-n-cy-øn Hmtcm Iº-\n-bp-sSbpw Hml-cn-bpsS hne 1/ cq]-bmbn IW- m- p- p. * t_m p-ifpw IS- -{X-ßfpw: FIMMDA bpssbpw PDAI bpssbpw ASn-ÿm-\-Øn YTM coxn-bn-eqss t_m p- I-fp-sSbpw IS- -{X-ß-fp-sSbpw sanyq-cn- nbpw td nwkpw IW- m- p- p. * ayqnz ^ v bqwn- p-iƒ: hne ]d ayqnz ^ nse apx aps- p-iƒ / ayqnz ^ p-iƒ {]Jym- ]n s\ v Ak v hmeyq-hns ASn-ÿm-\-Øn hn]-wnhne IW- m nbn-cn- p- p. * {Sjdn_n piƒ, k n^n v Hm^v sut mkn vkv simtajy t] F nhbpss hne IW m p Xv IymcnbnMv timãv coxnbnemwv.. * ap K-W\ Hml-cn-I-fpsS aqeyw \n Æ-bn- n-cn- p- Xv YTM (Im-em-h[n ]q Øn-bm- p-tºm-gp BZm-bw) {]Imc-ap G hpw Ipd Itºm-f-hn-ebpw as- n \ Iptºm-gp hne-bp-ssbpw ASn-ÿm-\-Øn-em-Wv. ta ]d c p XcØnepffXpamb HmtcmskIyqcn nbpw Itºmfhnet m ]p\ aqey \n Wbw XpSßn Hmtcm hn`mkøntebpw Hmtcm {Kq pifntebpw A aqey timjwhpw IW m n hibncptø Xpw A aqeyh \hv AhKWn mhp XmWv, aqeytimjw Øn\pff hibncpøen Hmtcm \nt ]Øns bpw _p v hmeyq Chsb am v Sp am v F coxnbnem nbn pw am an msx XpScp XmWv. v) Ak v doi kv{s Iº\nIƒ (AEC) \ Ip skiyqcn n ckoxpifpss hne \n Wbw \SØp Xv t\m SLR \nt ]߃ v B[mcam nbn pff am \n t±i ßf\pkcn mwv. vi) Xmsg]dbp RBI bpss am \n t±ißf\pkcn v \nt ]ßsf s] t^manwkv F pw t\m s] t^manwkv F pw XcwXncn n p v. (a) ]enitbm/xhwitfm (Imemh[nsbØnbh Dƒs ss) ASbv msx 90 ZnhkØn\pw ta IpSninI h m. (b) CIzn n Hml-cn-Isf kw_- n- n-s-tøm-fw, GsXmcp Iº- \n-bp-ssbpw Hml-cn-bn \nt -]n- p ] w, G hpw HSphn-esØ _me kv jo v e`y-a-s - n, aqeyw 1/ cq]-bmbn IW- m- -s -Sp- -Xm-Wv. {]kvxpx CIzn n Hml-cnIƒ NPI Bbn ]cn-k-wn- -s -Spw. (c) Hmlcn ]pd-s -Sp-hn- p Iº\n D]-tbm-K-s -Sp-Ønb GsX- nepw hmbv]m kuicyw _m ns IW- p-i-fn NPA BsW- n, {]kvxpx Iº\n ]pd-s -Sp-hn GsX- nepw skiyq-cn- n-i-fn-ep GsXmcp \nt -]hpw NPI Bbpw t\tc adn pw ]cn-k-wn- -s -Sp- -Xm-Wv. (d) \n nx em`-hn-lnxw \ ImØ {]n^-d kv Hml-cn-Isf kw_- n pw api-fn ]d Imcy-߃ Bh-iy-amb t`z- K-Xn-I-tfmsS _m[-i-am- p- -Xm-bn-cn- pw. (e) hmbv]-i-fpss kz`m-h-ap- -Xmbn IW- m- -s -Sp IS- -{X-ßfnepw t_m p-i-fn-ep-ap \nt -]-ß-fpw, \nt -]- ߃ p _m[-i-amb NPI am\-z-wvu-߃ p hnt[-b-am-bncn- pw. (f) dnt m, dnthgvkv dnt m CS-]m-Sp-Iƒ (RBI bp-ambn enizn- Un n AUvP-Ãp-a v s^kn-en- n p LAF Iogn-ep CS- ]m-sp-i-sfm-gnsi IW- p-iq- p- -Xn\v dnk hv _m v \n tzin- n- p bqwnt^mw A u- nwkv coxn-bmwv _m v kzoicn- n- p- -Xv. AXn {]-Im-cw, dnt m/dnthgvkv dnt m-bpss Iogn hn /hmßnb skiyq-cn- n-isf t\cn- p hnev]-\-iƒ/ hmß-ep-iƒ Bbn ]cn-k-wn- p-ibpw dnt m/dnthgvkv dnt m

82 82 A u- p-i-fn Dƒs -Sp-Øp-I-bpw, Imem-h-[n-sb-Øptºmƒ F {Sn-I-fn am w hcp-øp-ibpw snøp- p. sne-hp- Ifpw hc-hp-ifpw ]en-i-bn-\-ønse snehpw hc-hp-ambn IW- n-epƒs -Sp-Øp- p. dnt m/dnthgvkv dnt m A u- nse _m n, C shãp-sa v A u- nse \o n-bn-cn- n hih-bv p- p. (g) dnk hv _m p-am-bp LAF \p Iogn hmßp- / hn p skiyq-cn- n-iƒ \nt ] A u- n Dƒs -Sp- Øp-Ibpw Imem-h-[n-bm-Ip-tºmƒ F {Sn-I-fn am w hcp- Øp-IbpamWp snøp- -Xv. AXn\p \ In-btXm AXn \n p e`n- txm Bb ]en-i, snehv/hchv C\-Øn Dƒs - Sp-Øp- p. 3.4 ]en-i-\n-c- v kzm]vkpw, t^m thuv \nc nep DSºSnIfpw (Interest Rate Swaps and Forward Rate Agreements) a) ]en-i-\nc p kzm]vkpw t^m thuv \nc v DSºSnIfpw sluvpv (hedge) Bhiy߃ pth n am{xw FSpØn p XmWv. X qew B PnX coxnbnemwv ]W{]hmlw IW nsespøn p Xv. hyxymkw apjy aqeyønte v (Notional Principal Value) am nbn p v. b) Imem-h[n ]q Øn-bm-Ip- -Xp-hsc XpS-cp-hm A\p-h-Zn- s n p sluvpv t]m p-t^m-fntbm Npcp-ßn-h-cp kml-n-cy-øn `mkn-i-amtbm apgp-h-\mtbm A\mhrX amipibmsw n, AXv IrXy-amb CS-th-f-I-fn CXns\ hn]wn hne-bv -\p-k-cn v {Iao-I-cn- p-hm km[n- p p. c) sumaãniv I-d kn-bn-ep ]eni\nc v kzm]vkpifn \n v Imem-Im-e-ß-fn-ep- m-hp A ]W hcpam\w hchv/ snehv Bbn hibncpønbncn p p. d) hntzi Id knbnse ]eni\nc v kzm]vkpifnep am ߃ aqew ImemImeßfnep mip A ]W{]hmlw hchv/snehv Bbn IW n sim n pibpw, hntzi \mwy hn\nabøn, hn\nab \nebpss `mkam pibpw snbvxncn p p. e) BkvXn _m[yx ]{X Znh-k-Øn \ne-hn-ep s^umbv \nc- n ]en-i-\n-c v kzm]vkpw hntziid knifpss t^m thuv \nc pifnep DSºSnIfpw aqey-\n Wbw snøvxv in-jvs-ÿn-xnsb BIkvanI _m[yxbmbn IW m nbncn p p. (f) Snb I /II t_m p-isf kw_- n kzm]v CS-]m-Sp-I-fn \n p em`w / \jvsw sht sd IW- m- -s -Sp- p. \jvsw Ds - n AXn\p ]q W-ambpw hi-bn-cp-øn-bn- p- v. ]p\x- {I-ao-I-c-W-Øntem hnev]-\-bntem \n p em`w hcp-am-\- ambn IW- m- n, \nip-xn- p kvs]jy dnk hn hisim- n v \nb-am-\p-kr-x-ap Ãm yq- dn dnk hn-te p am p- p. 3.5 \njv{inb \nt -]-߃ Imem-h[n XobXn apx 90 Znh-k-Øn-\Iw apxepw ]enibpw AS- p-xo mø IS- -{X-ß-sf, \njv{inb \nt - ]-ß-fmbn Xcw-Xn-cn-t - -Xm-Wv. F m ti{µ k mcns Kymc- n-bp \nt -]-ßsf Ah-bpsS apx-en tbm ]en-i-bp-sstbm Xncn- -S-hn IpSn-»nI Ds - n t]mepw \n h-lw \nt -]-ß-fmbn IW- m- p -Xm-Wv. \njv{inb \nt -]-ß-fmbn Xcw-Xn-cn- -s -Sp \nt -]-ß-fpsS hnebn \n pw A\p-tbm-Py-amb txmxn-ep txbvam\ hnebn-sn-hn-\p Icp-X sntø- -Xm-Wv. Cu \nt -]-ß-fpsS taep txbvam\ hne-bn-snhv \n h-l-w-\n-t -]-ß-fn-ep- m- Ip aqey-h -\-hp-ambn X n- -gn- p-hm Ign-bp- -X-. 4. hmbv]-iƒ 4.1 B.-_n.-sF.-bpsS \n t±-i-ßfpw am -\n t±-i-ß-fp-a- \p-k-cn v F m hmbv]-ifpw \mev C\-ß-fn-embn C{]Imcw Xcw-Xn-cn- n-cn- p p (i) \ne-hmc BkvXn-Iƒ (ii) \ne-hmcw Ipd BkvXn-Iƒ (iii) kwi-bm-kv]z BkvXn-Iƒ (iv) \jvs BkvXn-Iƒ. 4.2 BkvXn_m[yX ]{XØn ImWn- n-cn- p hmbv]- Iƒ Xmsg ]dbp h Ipdhp snbvx tijap XmWv. (a) \njv{inb BkvXn-Iƒ (NPAs) p hi-bn-cp-ø-ep-iƒ (b) \njv{inb BkvXn-Ifn hkqem mø ]eni BZmbw (c) IDBI/SIDBIbpambn ]p\ Un-kvIu v \S-Ønb _n piƒ (d) e`n s bnapiƒ (e) ]p\xkwlsn n BkvXnIfpsS \ymbhnenbnep Ipdhv (f) ssiv\n ssd v Hm^v 4.3 B.-_n.-sF.-bpsS \n t±-i-ßfpw am -\n t±-i-ßfpw A\p-k-cn v Xmsg ]d-bp hyh-ÿ-i-fn hmbv]-i-fn ta hi-bn-cp-ø IW- m- n. (a) \nehmcap BkvXnIƒ v (i) Irjn pw SME tajebv pw {]Xy hmbv]bpss % (ii) hmwn-py-]-c-amb ÿmh-c-h-kvxp-hm-bv]-iƒ v Hcp ixam\w (1%) (iii) as m hmbv]iƒ pw % (b) as m \njv{inb BkvXnIƒ pw (NPAs) th n (i) \nehmcw Ipd BkvXnIƒ v A t mgp kpc nx hmbv]ifpss ImcyØn _m n \n p XpIbpsS 10% Dw A t mgp kpc nxa mø hmbv]ifpss ImcyØn 20% Dw (ii) kwi-bm-kv]z BkvXn-I-fpsS Imcy-Øn F{X-h jw kwi-bm-kv]z BkvXn-bmbn A u v \ne-\n p F - Xns ASn-ÿm-\-Øn kpc- nx `mk-øns 20%, 30% AYhm 100%. Akpc nx `mkøn FIvkvt]m v s{iun v & Kymc n tim -td-j (ECGC)/s{IUn v Kymc n ^ v {SÃv t^m ssat{im B v kvamƒ F ss{]kkv (CGTMSE) F n ] XnIfn GXmtWm _m[iamip Xv AXv {]Imcw Kymc n Ih-dn \ne-\n Ømhp XpI Ipdhp snbvx-xn-\p-tijw _m n \n p XpI-bpsS 100%.

83 83 (iii) \jvs BkvXn-Iƒ v 100% 4.4 hmbv]-i-fpss ]p\xkwls\ ]p\xkwlsn n s A u pisf kw_ n ns tømfw _m nbp Xv 1 timsn cq]tbm AXn\p apifntem BsW n, hmbv]bpss \ymbhnebn hcp Ipdhv ]p\xkwlsbv p apºpw AXn\p tijhpap \ymbhnebpss hyxymkambn IW m p XmWv. \nehnep \nc nse ]enibpss ASnÿm\Øn IW p Iq n, _m ns BPLR-\p Xpeyamb \nc n UnkvIu v snbvxv, hmbv]sbspø hy n p tsw {]oanbhpw s{iun v dnkv v {]oanbhpw Dƒs ss, Iymjv ^vtfmbpss aqeyambn ]cnkwn p p. ]p\xkwls\bv p tijap hmbv]bpss \ymbhne ]p\xkwls\m thfbnse hmbv]bnt ep ]enibmbpw, apx, ]p\xkwls\mxobxnbnse _m ns BPLR \nc n\p Xpeyambn UnkvIu p snbvxpw IW n Dƒs SpØp p. ]p\xkwlsn n s A u pifn _m nbp Xv 1 timsn cq]bn XmsgbmsW n, \ymbhnebnse Ipdhv, _m nbpss 5% Bbn IW ms ncn p p. 4.5 hyh-lm-c-\-s-]-sn-iƒ Bcw-`n A u- p-i-fpss Imcy- Øn \nb-a-]-c-amb Nne-hp-Iƒ em`-\-jvs- -W- p-i-fn Dƒs -Sp-Øp-Ibpw Ah hkq-em- p Ah-k-c-Øn dh\yq Nnehv C\-Øn hchv hbv p- -Xp-am-Wv. 4.6 BkvXn]p\ \n amw Iº\n pw skiyqcn n Iº\n pw hnev]\ \S-Øn-b kmº-øni BkvXn-Iƒ Xmsg d-bp coxn-bn hibncpønbncn p p. a) hn hne s\ v _p v hmeyq (NBV) hns\- mƒ Ipd-hmsW- n AXns hyxymkw em`-\-jvs- -W- n-te v am nbncn p p. b) hn - hne NBV sb mƒ IqSp-X-em-sW- n, IqSp-X-ep s{]mhn-j XncnsI am nsbgpxnbn n. adn v kmº-øni BkvXn-Ifpw `mhn-bn \S- p hnev]-\-bn Fs - nepw \jvsw kw`-hn- p-i-bm-sw- n AXv \ni-øp- -Xn-\mbn {]txyiw kq n ncn p p. 5. \nt ]߃ ]eni ]p\ \nt ]w snbvxphcp \nt ]ßfn IW m s Sp ]enisb ]q ØoIcn ss{xamk ßfn aqe[\tømssm w tn Øv apx Bbn ImWn n p v. 6. ÿnc BkvXn-Ifpw hnebnsnhpw 6.1 hkvxp-h-iifpw a p ÿnc BkvXn-Ifpw Imem\p{Ia hyb ASn-ÿm-\-Øn IW- m- p- p. cpnkvt{sj\v _m nbp _m v B n `qanbpw si nsßfpw Atem vsa v se /F{Knsa v, ssihiap h F nhsb B[mcam n aqe[\ambn am n-bn-cn- p- p. 6.2 Bbncw cq]tbm AXn Xmsgtbm hnebp Hmtcm hkvxp fpssbpw hne BXmXp hkvxp ƒ hmßp h jønse dh\yq snehn Dƒs SpØncn p p cq]mhsc hnebp samss_ t^mwpifpssbpw Ae mc hkvxp fptsbpw hne AXmXp h jvsø em`\jvs W n Dƒs SpØnbncn p p. 6.3 {]nan-k-knepw knãw tkm^v vshb Dƒs ssbp a p ÿnc BkvXn-I-fn-t ep-ap hne-bn-snhv BZm-b-\n-IpXn \nbaw/dqfpiƒ F nhb\pkcn p \nc p]-tbm-kn v aqey- bw Fgp-Xn-Ø- n-b-xn-\p-ti-j-ap hne-k-{º-zm-b- Øn IW- m n-bn-cn- p- p. \º ÿmhc ÿnc aqey bw/ BÿnIfpsS aqey bw EWtamN\ hnhcww NpaØp coxn \nc v 1 Iw]yq dpiƒ t\ hne k{ºzmbw {]Xnh jw 33.33% 2 lm Uv shbdns FgpXnØffnbXn\p 60% Hgn piqsm\mhmø tijapff hne `mkamb Iw]yq k{ºzmbw tkm^v v shb 3 lm Uv shbdns Hgn p t\ hne k{ºzmbw hmßnb IqSm\mhmØ h jøn LSIa mø 100% Iw]yq tkm^v v shb 6.4 \S ph jw B n BkvXnIsf kw_ n ns tømfw 182 Znhktam AXn Ipdthm am{xw D]tbmKn hbv v A h jtøxpw 182 ZnhkØn IqSpX D]tbmKn hbv v Hcp h jtø papff txbvam\w IW m p p. ]s Iºyq dpiƒ pw tkm^v vshbdpiƒ pw am{xw Ah D]tbmKn Imebfhv F{Xbmbmepw h jw apgph\papff txbvam\w IW m p p. Hcp BkvXn hn -s -Sp AYhm a p coxn-bn Unkvt]mkv snøp h j-øn txbvam\ hne-bn-snhv Icp-X IW- m- p- -X ] -bh-kvxp- sf kw_- n- n-s-tømfw ] b-im-eb-f-hn ] b Xh-W-Iƒ EW-tam-N\w snø-s -Sp- - Xm-Wv. 7. Poh-\- m p B\p-Iq-ey-߃ 7.1 Poh-\- m-cpss {lkz-im-e-tø- p B\p-Iq-ey-߃ Poh-\- m-cpss {lkz-imetø p B\p-Iq-ey-߃ AXmbXv Im-jz eohv, NnIn m B\p-Iq-ey-߃ F nh p Poh-\- m-cpss tkh-\-߃ v ]I-c-ambn \ ti p XpI Poh\ mc tkh\a\pjvtn p Imebfhn\ \pkrxambn IW m nbncn p p.

84 tkh-\-øn\p tij-ap B\p-Iq-ey-߃ (i) \n Nn Awi-Zm\ ] Xn _m n \nehnep t{]mhn-u v ^ v ] Xn \n h- Nn s n p Awi-Zm\ ] Xn BWv. _m ns F m Poh\ m pw _m ns t{]mhnu v ] Xnb\pkcn p AhImi߃ kzoicn m A lxbp v. _m v Hcp \n nx \nc- n amkw-txmdpw Awi-Zm\w \ Ip p. (Ct mƒ Poh-\- m-cpss ASn-ÿm\ iº-f-hpw A l-amb Aeh kpw tn p XpIbpsS 10%) _m v \S- n-em- n-bn-cn- p Hcp ^ n-te v Awi-Zm-\߃ kzoi-cn- p-ibpw {SÃn- I-fpsS t_m Uv AXns `cww ssiimcyw snøp-ibpw snøp p. `mhn-bn-te- p t{]mhn-u v ^ v B\p-Iq-ey߃ v hm jni Awi-Zm-\-Øn-s\m-gnsI _m n\v bmsxmcp _m y-x-bp-an. CØ-c-Øn-ep Awi-Zm-\sØ X\Xp h jsø sne-hmbn AwKo-I-cn- p- p. (ii) \n h-nn B\p-Iq-ey-]- Xn (a) _m v {Km p-hn- n, s] j, dosk- n sa v ] -Xn-Iƒ F n-h \n h-nn B\p-Iq-ey-]- -Xn-I-fmbn ssiimcyw snbvxphcp p. (b) _m v A lx-bp F m Poh-\- m pw {Km p-hn n IW m p p. Poh-\- m-cpss kq- A\yp-th-j, k hokn-en-cn- p-tºmƒ kw`hn p acww, tkh\w Ah-km- \n- n- F o Ah-k-c-ß-fn Poh-\- m v H n p \ Ip- - coxnbnep XmWv Cu B\p-Iq-ey-߃. t]sa v Hm^v {Km phn n BIvSv 1972 {]Imcw Poh-\- m v \ Ip {Km p-hn- n \nc v Ah ]q Øo-I-cn Hmtcm h jsø tkh-\-øn\pw Ah-km\w e`n 15 Znh-ksØ iºfw A\p-k-cn- m-wv. 5 h j-øn Ipd-bmØ XpS bmb tkh\w \ Inb Poh-\- m-c tkh-\-øn \n v hnc-an- p-i-bm-sw- n {Km p-hn n \ Imhp -Xm-Wv. (tkh\ hnc-a-\w, cmpn hbv, acww apx-em-b ImcWßfm ). Fkv._n. n (Fwtπmbnkv) {Km phn n sdkptej 1972 A\pkcn v A lcmiwsa n Ipd Xv 10 h jsø tkh\w BhiyamWv. h jwtxmdpw G s SpØnbn p kzx{ BIvNyp-cn-b hmeyp-th-j ASn-ÿm-\-am n {SÃn-I-fpsS t_m Uv `cn- p ^ n-te v _m v hm jni Awi-Zm\w \S-Øp p- v. {Km p-hn n \nbaw A\p-k-cn v \ Ip G hpw IqSnb XpI 3.50 e w cq]-bm-wv. SBT bpss Poh-\- m v {Km p-hn n \ Ip sdkp-tej A\p-k-cn v 3.50 e w cq] Ihn-bmhp- -Xm-Wv. IqSnb XpI-bmWv Poh-\- m v \ Ip-I e w cq]bv v api-fn-ep XpIbv v BZm-b-\n-IpXn Ipd- -Xn\p tij-ap XpI-bmhpw \ Ip-I. (c) s] j sxc-s -SpØ F m A l-x-bp Poh-\- m pw _m v s] j\v hibncpøp p. Poh-\- m-cpss dn -b sa v, k ho-kn-en-cns acww kw`-hn- p-i, k hokv Ah-km-\n- n- p-i, F nh kw`-hn- p-i-bm-sw- n B\p-Iq-ey-߃ Poh\ m v \nb-am-\p-kr-x-ambn amkw txmdpw \ In-h-cp- p. \nb-a-a- \p-k-cn v hnhn[ L -ß-fmbn Poh-\- m v hnx-cww snøp- p. h jwtxmdpw \SØnhcp kzx{ _mly BIvNypcn-b hmeyp-th-j ASnÿm\ am n _m v, CXn\p Awi-Zm\w {SÃn-I-fpsS t_m Un\m `cww \S-Ø-s Sp ^ n-te v \ Ip- p. (d) Hmtcm _me kv jo v Xob-Xnbpw BIvNyp- -cn-b hmeypth-j {]Imcap t{]mp-ivsvuv bqwn v s{iun v coxn A\pk-cn v BWv, \n -Nn B\p-Iq-ey-߃ p m-ip snehv \n Æ-bn- p- -Xv. IW- p-i-fnse em`hpw \jvshpw DS\pS IW m pibpw AXv em`-\-jvs- -W- p-i-fpss hnh-c-w- Øn Dƒs m n pibpw snbvxn p v. Cu snehpiƒ am nhbv s n n. (e) _m v dh-\yq-hnepw a p dnk hp-ifnepw IW m p Xn\p ]Icw \n -Nn- -s B\p-Iqey ] -Xn-Iƒ v th nbp ]cnh Ø\ _m yx tcjs SpØp AS 15 (2005) coxn kzoi-cn p. (iii) Poh\ m p a p Zo L-Im-e- B\p-Iq-ey-߃. (a) _m nse A l-x-bp F m Poh-\- m pw Ah-cpsS G Uv eohns Hcp \n nx `mkw k ho-kn-en-cn- p-tºmtgm dn -b sa v ka-btøm acww kw`-hn- p-itbm tkh\w Ah-km-\n- n- p-itbm snøp-tºmtgm Hcp \n nx ]camh[n XpIbv p ]W-am n am m-hp- -Xm-Wv. CXn\p XpI _m yxbp mip apdbv v _m v hi sim n phcp p. (b) Hmtcm _me kv jo v Xob-Xn-bnepw BIvNyp- -cn-b hmeypth-j {]Im-c-ap s{]mp-ivsuv bqwn v s{iun v coxn A\pk-cn v BWv a p Zo L-Ime B\p-Iq-ey-߃ p- m-ip snehv \n W-bn- p- -Xv. Ign Ime tkh\ snehv em`-\-jvs- -W- n DS\pS hisim n n p v. CØcw snehpiƒ am n hbv s n n. 8. \nipxn p hibncpøepiƒ (a) BZmb\nIpXn snehv \S p h jsø \nip-xn, am n-hbv -s \nipxn, {^n v s_\n-^n v \nipxn F n-h-bpss samøw XpI-bm-Wv se BZmb \nipxn \nbaw/dqƒkv, AS 22 F nhbpw A\p-k-cn- mwp \S ph jsø \nipxn \n Wbn- ncn p- Xv.- am n-h-bv -s \nip-xn-bpss AUvP- Ãvsa p-ifn, Cu Ime-b-f-hn am n-h-bv -s \nipxn BkvXn-I-fpsS As - n _m y-x-i-fpss am -ß-fpw Dƒs - n- p- v. (b)-am- nhbv s - \n-ipxn BkvXn-Isfbpw _m[y-x-i-sfbpw `mhn-bnse \nipxn kw`mhyxm \n ÆbØn\v kq vaambn hnebncpøs Sp p. CXv Ime-hy-Xym-k-Øns ]cn- -Wn-X-^e-ambn BkvXn _m[y-x-i-fpss Iymcn-bnMv hne-i-fpss AhbpsS {Iam-\p-kr-X-amb \nipxn ASn-ÿm-\-Ønepw Iymcn t^m th Uv temkn-ep-amwv IW- m- n-bn-cn- p- -Xv. am nh-bv -s \nipxn BkvXn-Ifpw _m[y-x-ifpw Af- p- Xv Ct mƒ \ne-hn-ep \nb-a-am- nb \nipxn \nc- p-ifpw \nipxn \nb-a-ßfpw D]-tbm-Kn- mwv. As - n _me kv jo v Xob-Xn v ap Imeßfnse {]k amb \nipxn \nc-

85 85 p-ifpw \nb-a-ß-fp-a-\p-k-cn- m-wv. am n-h-bv -s \nipxn BkvXn-I-fp-sSbpw _m y-x-i-fp-ssbpw am -ß-fn-ep {]`mhw em`-\-jvs- -W- p-i-fn {]Xn-^-en- p- p- v. (c) Hmtcm dnt m nwkv Xob-Xn-bnepw am n-h-bv -s \nipxn BkvXn-Isf AwKo-I-cn- p-ibpw ]p\ hn-i-i-e\w snøp- Xv C Ãn- yq v Hm^v Nm t Sv A u- vkv Hm^v C y ]pd-s -Sp-hn- p AS 22 {]Im-chpw, \n -b-ambpw hkq-em- m Ign-bp-sa amt\-pvsa ns hn[n \n W-b-Øn\v A\pk-cn pw BIp- p. am n-h-bv -s \nipxn BkvXn-Isf ^e- Øn \n -b-ambpw hcpw-ime \nipxn hcpam\-øn \n pw hkq-em- m km[n- p-sa- p-s - n am{xta Ahsb AwKo-I-cn- p-i-bp- q. 9. dh\yq AwKoIcn 9.1 hcp-am\w Xmsg simsp-øn- p Iymjv ASn-ÿm-\-Øn hcp-am\w ImWn p C\-߃ Hgn-hm nbm ]en-ibpw a phcpam-\hpw IW- m- p- Xv k nx ASn-ÿm-\-Øn-em-Wv. (a) dnk hv _m v Hm^v C ybpss am \n t±i߃ A\pkcn v ]enibpw \njv{inb BkvXnIfn \n pap a phcpam\hpw, Imemh[n Ign n pw \S m ns m ncn p ] XnIfpw, {Iam\pkrXambn ]eni e`n mø k m Pmayap A u pifpw (b) Hmlcn \nt -]-ß-fn \n p em`-hn-ln-xhpw ayqnz ^ p-i-fpss bqwn- p-i-fn \n p BZm-b-hpw. (c) tem hmsi (d) Unam v _n kv ] t kn \n p hn\nabw/ If \v Ab _n pifn\n p IΩoj (e) Ah[nIgn _n pifn \n p ]eni hkqem ASnÿm\Øn. (f) t{imkv sk nmv Dev] ßfn \n p hcpam\w (g) \njv{inb \nt -]-ß-fn-ep ]en-i. (h) C jpd kv s wkv 9.2 \njv{inb BkvXnIfn \n pw hkqem s XpIbpsS {IaoIcWw hkqem s XpIIƒ {IaoIcn p Xv NnehpIƒ, ]eni F {IaØnepw {Ibhn{Ibßfp A u pifn apxenepw hyhlmc \S]SnIfn Bcw`n hbn apx, NnehpIƒ ASbv phm\p ]eni F o {IaØnepamWv. 9.3 BZmb \nipxn Xncn pin bxn \n p ]eni hcpam\w _ s A[nImcn ]pds Sphn \n mcw DØchns h jønemwv IW m nbncn p Xv. 9.4 NnehpIƒ Imemh[n Ign \nt ]߃ hkvxp \nipxn F nh IW m nbncn p Xv Iymjv coxnbnemsw nepw Ch HgnsIbp dh\yq NnehpIƒ IW m nbncn p Xv B PnX coxnbnemwv 10. A m-zmbw Xmsg simsp-øn- p C\-ß-fn hi-bn-cp-ønbxn\p-ti-j-am- Wv em`-\-jvs- -W- p-i-fn A m-zmbw ImWn- n-cn- p- -Xv. kzøp \nipxn, am nhbv s \nipxn XpSßn hcpam\øn taep \nipxnbpss IcpX \njv{inb hmbv]ifn taepw \nt ]ßfn taepap IcpX \ne-hmc BkvXn-Iƒ p hi-bncp-ø-ep-iƒ. ]p\ hn\ykn n s A u pifn taep ]enim\ w \nt ]ßfn taep txbvam\ hnebnsnhv bmzr- ni Nne-hp-I-fn-te- p Icp-X. a p km[m-cwambxpw Bh-iy-hp-am-bn- p Icp-X-ep- Iƒ. 11. BkvXn-I-fpsS _e-lo-\-x-s -S ÿnc BkvXn-I-fpsS Xw kw`-hn- p- -Xp-aq-e-ap- m-ip \jvsw IW- m- -s -Sp- Xv C Ãn- yq v Hm^v Nm t Uv A u- kvv Hm^v C y ]pd-s -Sp-hn- p A u- nwkv Ãm tu Uv 28- se \n_- -\-I-f-\p-k-cn- m-wv. 12. s{]mhn-j-\p-iƒ, BI-kvanI _m[y-x-iƒ BI-kvanI BkvXn-Iƒ F n-h-bv p A u- nw-kv AS 29 \v A\pkrXambn IcpXepIƒ, BIkvanI _m[yxiƒ, BIkvanI BkvXnIƒ F nh _m v AwKoIcn p Xv Ign Ime kw`høns ^eambn p h Øam\Ime _m[yxiƒ Ds n am{xamwv. AXmbXv Cßs\bp kmºøni em`w DfhmIp coxnbnep _m[yxiƒ \ndth hm hn`htijnbpss ]pdtøs mgn n\v km[yxbp mipibpw hnizkn\obamb Hcp XpI IW m phm IgnbpIbpw snøp hkcønemwv Sn IcpXepIƒ AwKoIcn p Xv.

86 86 +x S 17 =±± J x ± J x i ƒ x < E Ú l ± Mx k Æ h ƒ B i Ω EÚ ± M i E Ú + v Æ { Æ i Ë Æ EÚ M <«ΩÈ C  EÚ n p ± x n x E Ú ± B v i EÚ M <«ΩÈ B Æ i  x i & EfiÚi ± J r xi  (V B B { ) E Ú +x { ΩÈ V Æ i E Ú x n ± J EÚ Æ l x B Æ i ÈÀEÚM =t M  S ± i { r i u Æ V Æ v EÚ v x Â, x EÚ v EÚ Æ Â E Ú M «x nê Â, Æ i Æ W «ÈEÚ, (+ Æ + <) ± J x EÚ Â + ËÆ Æ i x n ± J EÚ Æ l x (+ <«B + <«) u Æ V Æ EÚB M B M «x nê x ]ı  EÚ π]ı EÚÆ i ΩË * 2. n x r ± x n x 2.1 n p  M EfiÚi Ë p EÚ + Œ i ƒ B n i Bƒ i ± x - { j E Ú n x EÚ EÚ S ± i Æ i n p { Æ P ( Úb <«) n Æ Â E Ú +x Æ { Æ Ãi i EÚ M <«ΩÈ * 2.2 i i ƒ / J + { i { j, J { j, V n Æ x, n n Æ EÚÆ Æ, n p EÚ±{ B n x n, i ± x { j n x EÚ E Ú Úb <«n Æ { Æ { Æ Ãi i EÚ M ΩÈ * ËÆ r ± x n x  E Ú n x EÚ EÚ S ± i x n Æ Â { Æ { Æ EÚ ± i ΩË * n   x V i n p x v  { Æ +ÃV i V { Æ xi n x Ω, EÚ { Æ EÚ± x Úb <«n Æ { Æ i ± x { j n x EÚ E Ú +x Æ ΩË * 2.4 Úb <«E Ú M «x nê  E Ú +x Æ i EÚ p E Ú EÚ n x n, n EÚ Œxv i { Æ { C i E Ú ± B i n x { n n Æ Â { Æ i ± x { j n x EÚ E Ú +x Æ { x & ± EÚi EÚ V i ΩÈ * { x & ± EÚi Æ B n Æ Â V +xi Æ + i ΩË Ω ± B Ω x E Ú {  { Ω S x V i ΩË * 2.5 EÚ p EÚ±{ { Æ {i / n k Úb <«M «x nê  E Ú +x Æ { Æ EÚ ± i EÚ M ΩË * 3. x - n x i «x x EÚ M «x nê  E Ú +x { Ω Â ± B V i ΩÈ * ËEÚ x < E Ú x  EÚ ± J v E Ú ± B ± x n x n x EÚ EÚ { Æ n x EÚ h ±  n ± n * 3.1 M EÚÆ h x EÚ i x h   M EfiÚi EÚ ΩË V Ë ""{ Æ { C i Ω i Æ J M B'', GÚ Ω i ={ ± v, ] ıàb M h  E Ú ± B Æ J M B'* i EÚ h E Ú +xi M «i x  EÚ i ± x -{ j  x x ± J i UÙ: Ω Â Â { x & M EfiÚi EÚ M ΩË * Æ EÚ Æ i i ƒ +x +x n i i i ƒ «b S «B Ïhb +x π M / HÚ =t B +x ( {, S +± Úb, <EÚ < ƒ + n ) 3.2 M EÚÆ h EÚ + v Æ x  EÚ ÈEÚ { Æ { C i E Ú i EÚ x j i EÚÆ { Æ { C i Ω i Æ J M B E Ú {  M EfiÚi EÚ V i ΩË * x  EÚ ÈEÚ J Æ n x EÚ n x EÚ 90 n x E Ú i Æ J i { x & GÚ E Ú ± B Æ J EÚ ] ıàb M Ω i Æ J M B E Ú {  M EfiÚi EÚ V i ΩË * x V xωâ =HÚ n EÚ ]ı   M EfiÚi x Ω EÚ ΩË =xωâ GÚ Ω i ={ ± v E Ú {  M EfiÚi EÚ M ΩË * x < EÚ GÚ E Ú ] ıàb M Ω i Æ J M B GÚ Ω i ={ ± v { Æ { C i Ω i Æ J M B E Ú {  M EfiÚi EÚ V i ΩË + ËÆ h  E Ú S =k Æ i { Æ i «x x x M «x nê  E Ú +x { EÚ M ΩË * 3.3 ± EÚx + ËÆ ± J EÚx i) x E Ú + v O Ω h ± M i EÚ x v «Æ h EÚÆ x Â: B: + n x { Æ {i n ± ± / EÚ x ± M i EÚ EÚ V i ΩË * : x  E Ú + v O Ω h E Ú xv  n k n ± ± / EÚ x <i n Æ V E Ú +x Æ Æ i EÚ V i ΩË B ± M i  ± x Ω EÚ V i ΩË * ± J i { Æ n k / {i J b i + v EÚ V /+ V E Ú {  x V i ΩË B ± M i / GÚ i Ú±  ± x Ω EÚ V i ΩË * b : ± M i Æ i + Ë i ± M i h ± { Æ x v «Æ i EÚ V i ΩË * <«: =HÚ i x h   i i EÚ +xi Æ h, +xi Æ h EÚ n x EÚ EÚ EÚ + v O Ω h ± M i / Ω ± / V Æ ± E Ú ± B { Æ EÚ ± i EÚ V i ΩË + ËÆ n EÚ <«± ø Ω i B + i Æ h { Æ { h «i & ={ ± v EÚ V i ΩË * ii) { Æ { C i h Ω i Æ J M B: { Æ { C i h Ω i Æ J M <«i EÚ i i + v O Ω h ± M i { Æ v x ± M i { Æ Æ i EÚB V i ΩÈ * n + EÚi ± + v EÚ { Æ + v O Ω i ΩÈ * + v O Ω h { Æ EÚ <«Œ l Æ + + v Æ { Æ i i EÚ π { Æ { C i + v EÚ Œ{i { Æ { Æ v i EÚ V i ΩË * EÚ B { Æ v x π «EÚ "" x  { Æ V '' E Ú + i M «i + E Ú i V i EÚ V i ΩË * i i  EÚ GÚ / v x { Æ ± EÚ + E Ú {  x V i ΩË i l x ± { ƒv + Æ I i EÚÆ Â E Ú l x V i EÚÆ E Ú v EÚ + Æ I i   + x «{  + i Æ i EÚ V i ΩË * iii) ] ıàc M h Â Ω i Æ J M B B GÚ Ω i ={ ± v & (B) GÚ h E Ú ± B ={ ± v Â Æ J M B x E Ú ± EÚ Æ i Æ W «Ë EÚ E Ú n x nê  E Ú +x Æ x x EÚi {  x v «Æ i EÚ V i ΩË *

87 87 E Úxp Æ EÚ Æ i i ƒ: n + Ø { W Æ B Æ i b Æ ] P (B Ú + < B B b B) B Æ i l EÚ { Æ P u Æ HÚ ± EÚx E Ú ± B P π i ± E Ú + v Æ { Æ W Æ EÚ E«Ú EÚ * Æ V Æ EÚ Æ i i ƒ B +x x i i ƒ: B Ú + <«B B b B B { b B + <«u Æ HÚ ± EÚx E Ú =q l «P π i { Æ { C i +  EÚ v i + { Æ i{ z ± + v Æ { Æ W Æ EÚ E«Ú EÚ * «: V Ω ƒ EÚΩ ]ı EÚ BC S ÂV E Ú ={ ± v Ω i =x EÚ ]ı ÏEÚ BC S ÂV x x ± ]ı ÏEÚ BC S ÂV E Ú x x i  E Ú +x Æ ± EÚi EÚ V i ΩË * V Ω ƒ EÚΩ S ± i n Æ ={ ± v x Ω ΩÈ B +x rfi i Æ Â E Ú v  (i) E Ú{ x EÚ x x i i ± x { j { i ± M EÚÆ E Ú ( n EÚ <«Ω i { x «± EÚx + Æ I i ƒ x x E Ú x ) Ω ± E Ú +x Æ ± EÚx (V ± EÚx EÚ n x EÚ BEÚ π «+ v EÚ x Ω ) (ii) n x x i i ± x { j ={ ± v x Ω ΩË, i E Ú{ x EÚ Æ i Ø. 1/- ± EÚi EÚ V i ΩË * Ïhb B b S «: v i { Æ { C i E Ú ± B <«]ı B h ± { Æ ± EÚi i l B Ú + <«B B b B B { b B + <«u Æ n Æ x EÚ ± V i ΩË * S +± Úhb x ]ı: S +± Úhb u Æ P π i x ± + Œ i ± E Ú +x Æ x Ãn π]ı S +± Úhb x ]Âı ± EÚi EÚ V i ΩË * Æ V EÚ π ± V h { j + ËÆ h ŒV EÚ EÚ M W i + i ± M i { Æ ± EÚi EÚB V i ΩÈ * + v x «<«]ı B + v Æ B = E Ú S x ± { Æ x v «Æ i W Æ ± E Ú x x i { Æ ± EÚi EÚB V i ΩÈ *.=HÚ n h  EÚ i EÚ i i x EÚ n x nê  E Ú +x Æ W Æ ± = S i ± x v «Æ h { Æ { x & ± EÚi EÚ V i ΩÈ B i EÚ h E Ú ± B i EÚ Ω EÚ E Ú ± x ± ± ø EÚ v x EÚ V i ΩË i l x ± ± fi r + EÚ Æ EÚ V i ΩË * ± ø E Ú v x { Æ HÚM i i i  EÚ Ω ± W Æ EÚ + EÚx EÚÆ x E Ú n në +{ Æ Ãi i Æ Ω i ΩË * iv) + Œ i { x M «`ˆx EÚ { x (B + Æ ) u Æ V Æ i i Æ nâ M ËÆ B B± + Æ x  E Ú ± B ± M n x nê  E Ú +x { ± x v «Æ i EÚ V i ΩÈ * v) Æ i Æ W «ÈEÚ u Æ V Æ x x EÚi n x nê  E Ú + v Æ { Æ x x π{ n i B M ËÆ x π{ n i E Ú {  M EfiÚi EÚB V i ΩÈ * B) V / EÚ i ({ Æ { C i + Ω i ) n ΩË B 90 n x + v EÚ E Ú ± B +n k Æ Ω i ΩÈ * ) EÚ EÚ { x E Ú Æ Â x E Ú π  <ŒC ]ı Æ E Ú ±  x x i i ± x { j E Ú + { i E Ú EÚ Æ h i EÚ { x Ø. 1/- ± x v «Æ i EÚ V i ΩË V <ŒC ]ı Æ Bx { + <«E Ú {  x M B ΩÈ * ) n ={ M EÚi «x EÚ <«@Òh v ± ΩË i Ω ÈEÚ EÚ Ω Â Â Bx { B ΩË, =HÚ ={ M EÚi «u Æ V Æ EÚ i i  EÚ M x Bx { + <«B ± i & E Ú {  x V BM * b ) =HÚ + v x Æ Â EÚ l S i { Æ i «x Â Ω i ± M EÚ V BM, V Ω ƒ x i ± n k x Ω EÚ ΩË * <«) b xs Æ Â / Ïhb   EÚ M x + O EÚ Æ EÚ Z V i ΩË V Bx { + < x EÚ Â E Ú +x Æ x  E Ú {  ± M ΩË * B Ú) Æ { ± J h ± B i ± Æ { ± x n x (. Æ. È.EÚ i Æ ± i V x v (B± BB Ú) E Ú +xi M «i ± x n x  EÚ UÙ c EÚÆ ) E Ú ± B Æ i Æ V «ÈEÚ u Æ x v «Æ i BEÚ { ± J h ± GÚ ÈEÚ x + M EfiÚi EÚ ΩË * i n x Æ, Æ { / i ± Æ { E Ú +xi M «i S /J Æ n M <«i i ƒ BEÚ i GÚ /J Æ n E Ú {  x V i ΩÈ B Æ { / i ± Æ { ± J  E Ú ± B { Æ EÚ ± i EÚ V i ΩÈ i l Œπ]ıˆ ƒ { Æ { C i EÚ n x EÚ EÚ i ± Ω i ΩÈ * Œ l i E Ú +x { Ω ± M i B Æ V V /+ E Ú {  { Æ EÚŒ± i EÚ V i ΩÈ * Æ { / i ± Æ {  ± J EÚ π, x ± J  π E Ú i V i EÚ V i ΩË * V ) Æ i Æ V «ÈEÚ B± B B Ú E Ú + i M «i J Æ n / S M <«i i ƒ x J i  P ]ı <«/V EÚ V i ΩÈ i l ± x n x EÚ { Æ { C i { Æ i Ãi i Ω i ΩÈ * =x { Æ J S «/+ÃV i V / Æ V E Ú {  { Æ EÚ ± i EÚ V i ΩË * 3.4 V n Æ Ë{ B n n Æ EÚÆ Æ (B) V n Æ Ë{ B n n Æ EÚÆ Æ E Ú ± i Æ I =q E Ú ± B ± M ΩË + ËÆ +i & x EÚn Ω ={ S + v Æ { Æ { Æ EÚ ± i ΩË i l π Æ ƒ + x x EÚ ± v x ± { Æ ± M <«ΩÈ * ( ) V ± ø E Ú EÚ Æ h EÚ <«S + i &, +l { h «i & Ú± Ω V i ΩË i l n < { Æ { C i + v i EÚ V Æ Æ Ω x EÚ +x i n V i ΩË, i < x i + i Æ ± { Æ W Æ EÚ E«Ú EÚ V i ΩË * ( ) P Æ ± p  V n Æ Ë{ E Ú EÚ Æ h + v EÚ x ± x EÚn Ω EÚ + B E Ú {  EÚ EÚ V i ΩË * (b ) n p  V n Æ Ë{ E Ú EÚ Æ h + v EÚ x ± x EÚn Ω EÚ + B E Ú {  EÚ EÚ V i ΩË B Ú ÏÆ C ± x n x  x Œ l i EÚ M `ˆi M ΩË * (<«) n p  V næ Ë{ B n n Æ EÚÆ Æ i ± x { j i l E Ú Úb <«n Æ E Ú +x Æ ± EÚi EÚB V i ΩÈ i l EÚ Œ l i + EÚŒ EÚ n i +  E Ú +xi M «i n «<«M <«ΩË * (B Ú) ]ı Æ - */** Ïhb E Ú xv  Ë{ ± x n x =i{ z Ω x ± ± /Ω x +± M { Æ EÚ ± i EÚ V i ΩË *

88 88 n EÚ <«Ω x Ω i = E Ú ± B { h «i & v x ΩË * { x & l { x GÚ { Æ ± EÚ + E Ú {  x V i ΩË i l x ± π + Æ I i EÚÆ Â E Ú l x V i EÚÆ E Ú v EÚ + Æ I i   + x «{  + i Æ i EÚ V i ΩË * 3.5 +x V «EÚ x n n x EÚ 90 n x E Ú i Æ ± v x V EÚ { x «M i x x Ω x { Æ B i i  EÚ +x V «EÚ x  E Ú {  M EfiÚi EÚ V i ΩË * E Úxp Æ EÚ Æ u Æ M Æ ]ı EfiÚi i i  EÚ UÙ c EÚÆ ± v x / V M i x E Ú V n x π{ n i + Œ i  E Ú {  x M ΩË * +x V «EÚ E Ú {  M EfiÚi x  E Ú xv  ={ HÚ v x ±  ± ø E Ú ± B EÚB M B ΩÈ * <x i i  E Ú xv  + ± x +{ I Bƒ +x x π{ n i i i  E Ú xv  ± EÚx E Ú Ø r x v «Æ i x Ω EÚB ΩÈ * 4. + O O  EÚ Æ i Æ V «Ë EÚ E Ú x n Â/ M «x nê  E Ú +x Æ S Æ M Á x (i) x EÚ + Œ i ƒ (ii) + x EÚ + Œ i ƒ (iii) n Mv + Œ i ƒ + ËÆ (iv) Ω x + Œ i  E Ú +xi M «i M EfiÚi EÚ M ΩË * 4.2 i ± x -{ j  + O x x ± J i EÚ P ]ı x E Ú { S i n «M ΩË : (B) M ËÆ x π{ n i + Œ i  (Bx { B) E Ú ± B EÚ M v x ( ) Bx.{.B. E Ú xv  + O Ω i V + ( ) + <«.b..+ <«/ b E Ú l { x «x B M B ± (b ) {i EÚB M B n (<«) { x M «`ˆi + Œ i  E Ú = S i ±  EÚ (B Ú) i EÚx EÚ Æ <]ı-+ Ú O  { Æ v x x x x Æ. Æ. ÈEÚ E Ú M «x nê Â/ x n  E Ú +x Æ { Æ EÚ ± i EÚ M ΩË : (EÚ) x EÚ + Œ i Â Ω i (i) EfiÚ π B B B <«I j EÚ i I + O { Æ 0.25% (ii) h ŒV EÚ l Æ { k EÚ + O { Æ 1.00% (iii) +x + O  { Æ 0.40% ( ) M ËÆ x π{ n i + Œ i Â Ω i (Bx { B) (i) + n i i i BC { V Æ E Ú ±  + x EÚ + Œ i  { Æ EÚ EÚ 10% B + n i + i i BC { V Æ E Ú ±  20% { Æ * (ii) n Mv + Œ i  E Ú ± B V i x π «=HÚ J i " n Mv + Œ i ' x Æ Ω ΩË = E Ú + v Æ { Æ i i Ω E Ú 20%, 30% 100% EÚ n Æ { Æ i l V Ω ƒ ± M ΩË, Ω ƒ x B M Æ ]ı x M (<«V )/ I B ± P =t  E Ú ± M Æ ]ı x v x ( V ]ı B B <«) V x E Ú + i M «i M Æ ]ı EÚ Æ EÚ i v Æ h Æ EÚ P ]ı x E Ú n EÚ E Ú + i i Ω E Ú 100% EÚ n Æ { Æ, + ËÆ (iii) Ω x + Œ i ƒ 100% { Æ O  EÚ { x M «`ˆx + O  E Ú { x M «`ˆx E Ú ± Â, V Ω ƒ EÚ Ø. 1 EÚÆ c B < + v EÚ ΩË + O E Ú = S i ±  E Ú = S i ± { Ω ± B n  { x M «`ˆx EÚ z i E Ú {  { Æ EÚ ± i EÚ V i ΩË * { x M «`ˆx EÚÆ x { Ω EÚ = S i ± { Æ EÚ ± i EÚ V i ΩË V Ë EÚ x EÚn ={ ± v i EÚ i «x ± { x M «`ˆx EÚÆ x { «+ O  { Æ Æ i l n Æ { Æ V EÚ i x v i EÚÆ i ΩË B ± v x ÈEÚ E Ú { B± + Æ E Ú x n Æ { Æ ] ı]ı EfiÚi EÚÆ E Ú { x M «`ˆx EÚ n x EÚ EÚ =v Æ EÚi «h EÚ S i n V J Œ ± i EÚÆ E Ú { x M «`ˆx n x EÚ E Ú {  ΩË * { x M «`ˆx EÚÆ x E Ú EÚ = S i ± { Æ EÚ ± i EÚ V i ΩË V Ë EÚ x EÚn ={ ± v i EÚ i «x ± { x M «`ˆx EÚÆ x { Æ Æ i n Æ { Æ V EÚ i x v i EÚÆ i ΩË B ± v x ÈEÚ E Ú { B± + Æ E Ú x n Æ { Æ ] ı]ı EfiÚi EÚÆ E Ú { x M «`ˆx EÚ n x EÚ EÚ =v Æ EÚi «h EÚ S i n V J Œ ± i EÚÆ E Ú { x M «`ˆx n x EÚ E Ú {  ΩË * { x M «`ˆi J i  E Ú ±  V Ω ƒ EÚ Ø EÚÆ c EÚ ΩË i = S i ±  ø EÚ Æ 5% EÚ EÚ { Æ { Æ EÚ ± i EÚ M <«ΩË * 4.5 EÚn n Æ EÚB M B J i  E Ú v  EÚ x x J S «± B Ω x J i EÚ Æ i EÚ V i ΩË + ËÆ ± Ω x { Æ Æ V  V EÚ V i ΩË * Œ i { x Ãx h EÚ { x (B + Æ ) u Æ i i EÚÆ h EÚ { x (B ) EÚ S M <«k + Œ i  EÚ x x EÚ Æ x M ΩË :- B. GÚ x ± Ω ± (Bx ) x x ± { Æ Ω x { Æ V i x Æ EÚ EÚ +xi Æ ΩË, = ± B Ω x J i EÚ Æ i EÚ V i ΩË *. n GÚ x ± Ω ± =SS i Æ ± { Æ ΩË i g i Æ EÚ i Ãi i x Ω EÚ V i { Æ xi = { fil EÚ { Æ J V i ΩË + ËÆ = π  k + Œ i  EÚ GÚ Â n EÚ <«Ω x Ω i i = EÚ { Ãi E Ú ± B Æ J V i ΩË* 5. V Æ ƒ V EÚ { x & x EÚÆ x E Ú ± B V Æ Â { Æ V i EÚ {i i Ω E Ú ± B { V EfiÚi EÚ V i ΩË B ± v x E Ú {  n «V i ΩË *

89 89 6. l + Œ i ƒ B ± ø 6.1 { Æ Æ B +x Œ l Æ + Œ i  EÚ B i Ω EÚ ± M i { Æ { Æ EÚ ± i EÚ M ΩË * ÈEÚ u Æ + v O Ω i B x EÚ { V EÚÆ h Ω x i EÚ + ]ıx /EÚÆ Æ i l i I v Æ i { j  E Ú + v Æ { Æ { ƒv EfiÚi EÚ V i ΩË * 6.2 Ø. 1,000 +l EÚ EÚ i EÚ i EÚ i + EÚ J Æ n M B π «Â Æ V EÚ Æ i EÚ V i ΩË * + v EÚ Æ Â EÚ n B M B Ø. 5,000/- i EÚ E Ú <«± Ú x ]ı EÚ ± M i Æ V J i  x EÚ M ΩË * 6.3 h ± }]ı Æ Ω i { Æ Æ Â, +x Œ l Æ + Œ i  { Æ ± ø EÚ v x + EÚÆ + v x / x E Ú +x Æ + ± J i ± h ± + ËÆ næ  { Æ x x EÚi EÚ V i ΩË*. +S ± Æ ± Ω ± ø / + Œ i  EÚ { r i { Æ v x n Æ EÚ h «x 1. EÚ { ]ıæ v EÚ]ı Ëi h ± 33.33% i π «2. EÚ { ]ıæ EÚ EÚÆ E Ú ± 60% }]ı Æ EÚ h ± Ω b«æ EÚ O M ΩË 3. EÚ { ]ıæ v EÚ]ı Ëi h ± + O Ω h E Ú }]ı Æ V π «Â 100% Ω b«æ EÚ O M E Ú {  x Ω Ω i ΩË 6.4 π «E Ú n ËÆ x +ÃV i + Œ i  E Ú v Â, 182 n x  i EÚ ={ M EÚ M <«+ Œ i Â Ω i π «Â + v EÚ ± ø Æ i EÚ V i ΩË, EÚ { ]ıæ B }]ı Æ E Ú ± ø EÚ UÙ c EÚÆ 182 n x  + v EÚ EÚ + v E Ú ± B ={ M EÚ M <«+ Œ i  E Ú xv  { Æ π «E Ú ± B V E Ú ± B + Œ i M EÚ M <«l EÚ + v EÚ UÙ c EÚÆ { Æ π «E Ú ± B Æ ± V i ΩË * π «Â + Œ i EÚ GÚ / x { ]ı x EÚ EÚ <«± ø EÚ v x x Ω EÚ M ΩË * 6.5 { ] ı]ı v Æ { k E Ú xv Â, { ] ı] ı EÚ + v EÚ Œ{i { Æ { ] ı]ı EÚ { Æ v x EÚ M * 7. EÚ «S Æ E Ú Ω i l «7.1 +±{ v EÚ «S Æ ± +±{ v EÚ «S Æ ± EÚ Æ V Ë + EÚŒ EÚ U Ù] ı]ı + ËÆ S EÚi ± V EÚ EÚ «S Æ u Æ EÚ M <«+  E Ú n ±  n x E Ú ± B i i ΩË, =xωâ EÚ «S Æ u Æ EÚ M <«=HÚ + v E Ú n ËÆ x E Ú ± B x ± V BM * 7.2 Æ V M Æ { S i ± i. { Æ π i + n x V x ÈEÚ Â BEÚ π x v V x S ± ΩË Ω { Æ π i + n x V x ΩË * { j EÚ «S Æ ÈEÚ π x v V x E Ú +xi M «i x Ú {i EÚÆ x Ω i Ω EÚn Æ ΩË * ÈEÚ BEÚ x v «Æ i n Æ { Æ EÚ + n x ( Ú± Ω ± EÚ «S Æ E Ú ± i x + ËÆ { j k EÚ 10%) EÚÆ i ΩË * + n x ÈEÚ u Æ M `ˆi + ËÆ x b«u Æ i BEÚ x v  b ± V BM * ÈEÚ EÚ +{ x Ãπ EÚ + n x E Ú +± π x v ±  E Ú ± B EÚ <«n i x Ω ΩË + ËÆ B + n x  EÚ r π «E Ú Â E Ú {  x V i ΩË * ii. { Æ π i ± V x B. ÈEÚ ={ n x, {  x + ËÆ { x «Z Ëi V x +  EÚ { Æ S ± x EÚÆ i ΩË V { Æ π i ± V x  ΩÈ *. ÈEÚ { j EÚ «S Æ Â EÚ ={ n x n x EÚÆ i ΩË * Ω ± x Ω i EÚ «S Æ Â EÚ Œ{i Æ W M Æ E Ú n ËÆ x n Ω xi Ω x Æ W M Æ { x { Æ BEÚ i M i x E Ú {  n V i ΩË * E Ú i EÚ { h «π «E Ú ± B ={ n x + v x 1972 E Ú M i x E Ú +x Æ EÚ «S Æ EÚ n ={ n x EÚ n Æ W n Æ EÚ n Æ E Ú + v Æ { Æ 15 n x + ËÆ { Æ EÚB M B i EÚ ± E Ú ± B EÚ «S Æ u Æ + i + Ω Æ i i x ΩË * BEÚ EÚ «S Æ EÚ +{ x Æ V M Æ EÚ Œ{i { Æ 5 ± + v EÚ + v E Ú ± B x Æ xi Æ EÚÆ x E Ú n ( x fi k, { n -i M, fii + n E Ú xv Â) n ΩË * B ]ı (EÚ «S Æ ) ={ n x x x 1972 E Ú +xi M «i { j Ω, < E Ú ± B EÚ EÚ 10 π «EÚ S Ω B* ÈEÚ, x b«u Æ i x v EÚ Ãπ EÚ + n x, Ãπ EÚ {  EÚB M B n x n Æ ± EÚx E Ú + v Æ { Æ EÚÆ i ΩË * ={ n x + v x E Ú +x Æ n + v EÚi Æ Ø ± J ΩË * B ]ı (EÚ «S Æ Â EÚ ={ n x EÚ M i x ) x E Ú +x Æ Ω Ø ± J E Ú >apple{ Æ V EÚi ΩË * Ø ± J + v EÚ EÚ Æ { Æ + EÚÆ EÚ EÚ]ı Ëi E Ú +v x =SS i Æ Æ EÚ «S Æ EÚ n x EÚ V BM *. {  x E Ú ± B EÚ±{ n B M B { j EÚ «S Æ Â EÚ ÈEÚ {  x n i ΩË * Ω ± x  E Ú +x Æ EÚ M i x E Ú {  + ËÆ x fi k, Æ V M Æ E Ú n ËÆ x fii Æ V M Æ E Ú { x { Æ x Ω i EÚ «S Æ Â EÚ x i M i x E Ú {  n V i ΩË * x E Ú +x Æ M i x EÚ GÚ z S Æ h Â Â Ω i ΩÈ * ÈEÚ x b«u Æ i x v EÚ Ãπ EÚ + n x Ãπ EÚ {  EÚB M B Ω Æ n x n Æ ± EÚx E Ú + v Æ { Æ EÚÆ i ΩË * b. { Æ π i ± E Ú ± B ± M i i EÚ i ± x { j n x EÚ n x n Æ ± EÚx Ω i V C]ıc <EÚ <«± M i x v «Æ i EÚÆ i ΩË * n x n Æ ± / Ω x, ± B Ω x Æ h Â

90 90 i Æ xi Ω { Ω S x V i ΩË + ËÆ l M i x Ω EÚ V i ΩË * <«. ÈEÚ x Æ V + ËÆ +x + Æ I h E Ú i { Æ π i ± V x +  E Ú ± B B B 15 (2005) +{ x x { Æ i n i EÚ { Ω S x x EÚ EÚ±{ EÚ ΩË * iii. +x n P «v EÚ «S Æ ± B. ÈEÚ E Ú { j EÚ «S Æ +{ x +ÃV i + EÚ E Ú E ÚUÙ + EÚ x EÚn EÚÆ h, Æ W M Æ E Ú x fi k { Æ, n Ω xi Ω x { Æ Æ W M Æ { x { Æ, BEÚ + v EÚi Æ E Ú +v x EÚÆ EÚi ΩË * V EÚ n i g i ΩË = ÈEÚ u Æ n k EÚ V i ΩË *. { Æ π i ± E Ú ± B ± M i i EÚ i ± x { j n x EÚ n x n Æ ± EÚx Ω i V C]ıc <EÚ <«± M i x v «Æ i EÚÆ i ΩË * M i ± M i EÚ ± Ω x Æ h  i Æ xi Ω { Ω S x EÚ V i ΩË + ËÆ l M i x Ω EÚ V i ΩË * 8. EÚÆ v x Ω i v x B) + EÚÆ E Ú +xi M «i S ± EÚÆ, + l M i EÚÆ, + ËÆ { k EÚÆ EÚ E Ú± Æ + i ΩË * S ± π «EÚ i «x EÚÆ n Æ + ËÆ EÚÆ x E Ú l + EÚÆ, x v «Æ i EÚ V i ΩË * + l M i EÚÆ V x  + v E Ú n ËÆ x + l M i EÚÆ + Œ i  n i +   { Æ i «x + i ΩË * ) + Œ i  + ËÆ n i +  E Ú P ]ı { Ãi ±  E Ú S + ËÆ =x E Ú r EÚÆ + v Æ { Æ + ËÆ P ]ı { Ãi Ω x  =i{ z z i +  E Ú EÚÆ { Æ h E Ú ± B + l M i EÚÆ + Œ i + ËÆ n i +  EÚ { Ω S x EÚ V i ΩË * + l M i EÚÆ + Œ i ƒ + ËÆ n i Bƒ EÚÆ n Æ Â + ËÆ ± M EÚB M B EÚÆ x  i ± x { j n x EÚ { «i fii { ± M EÚB M B EÚÆ x  u Æ x { V i ΩË * + l M i EÚÆ + Œ i  + ËÆ n i +   { Æ i «x EÚ ± + ËÆ Ω x J i  { Ω S x V i ΩË * ) + l M i EÚÆ + Œ i ƒ Ω Æ EÚ Æ { Õ]ıM n x EÚ EÚ { Ω S x V i ΩË i l { x & ± EÚi EÚ V i ΩË B B 22 B v x E Ú x h «E Ú + P Æ { Æ ± Ω į x V i ΩË *+ l M i EÚÆ + Œ i  EÚ E Ú ± i { Ω S x V i ΩË n Ω x Â Ω Ω V i EÚ B + l M i EÚÆ + Œ i  EÚ ± EÚÆ M + EÚ V EÚi ΩË * 9. Æ V x v «Æ h V + ËÆ +x + EÚ x v «Æ h ={ S i + v Æ { Æ EÚ M ΩË V EÚ x x EÚ x v «Æ h x EÚn + v Æ { Æ EÚ M ΩË : B. Bx { B { Æ V B +x +, Ω Æ E Ú EÚ «x x E Ú +v x I { h EÚ M <«ΩË i l Æ i Æ W «ÈEÚ E Ú n x nê  E Ú +x Æ Æ EÚ Æ M Æ ]ı EfiÚi J i V x V {i x Ω Ω i ΩË *. S +± Úb  EÚ x ]ı  { Æ i Æ i + B Æ Â Â Ω B x { Æ ±.± ÏEÚÆ EÚÆ b. J Æ n M B M ±  { Æ x <. Æ i Æ W «ÈEÚ E Ú n x nê  E Ú +x Æ + i n ±  EÚ V =M Ω + v Æ { Æ Ω, B B Ú. GÚ À± M =i{ n  { Æ + V. M ËÆ x π{ n i x  { Æ V BS. n 9.2 Bx { B J i   EÚ M <«±  E Ú v  V x EÚ M <«± ƒ Æ, V ( HÚ + ËÆ M ËÆ ± ) + ËÆ = E Ú n GÚ Bx { B  ± v x E Ú GÚ Â V i EÚ V i ΩË + ËÆ ŒI i ± J i  E Ú v  EÚ M <«± ƒ ± v x, Æ, + ËÆ = E Ú n V GÚ Â V i EÚ V i ΩË * EÚÆ EÚ { { Æ V + π «E Ú ± B { Æ EÚ ± i EÚ V i ΩË V r v EÚ Æ u Æ x v «Æ h + n { Æ i EÚ V i ΩË * 9.4 B. + i n V Æ Â B { k EÚÆ Â { Æ V EÚ UÙ c EÚÆ Æ V ={ S + v Æ { Æ { Æ EÚ ± i EÚ ΩË, V EÚ Æ EÚc + v Æ E Ú ± B { Æ EÚ ± i EÚ M ΩË * 10. x ± ± ± -Ω x ± J  n «M x ± ±, x x Ω i v x  E Ú { S i ΩË * v EÚ +{ I +  E Ú +x Æ + B v x { Æ EÚÆ Â Ω i v x M ËÆ x π{ n i + O  B / x Â Ω i v x x EÚ + Œ i  { Æ v x { x & Æ S i J i  { Æ EÚ EÚ M V x  { Æ ± ø + EÚŒ EÚi +  EÚ + i Æ h + ËÆ +x x B + EÚ v x Œ i  EÚ Ω x < xv Â Æ i x n ± J EÚÆ l u Æ V Æ ± J h ± x EÚ E Ú +v x +S ± + Œ i { Æ n EÚ <«+x V «EÚ Ω x Ω i = EÚ { Ω S x EÚ V i ΩË * 12. v x, + EÚŒ EÚ n i +  + ËÆ + EÚŒ EÚ + Œ i  EÚ ± J v B B 29 "" v x, + EÚŒ EÚ n i +  + ËÆ + EÚŒ EÚ + Œ i Â'' E Ú +x { ÈEÚ E Ú ± v x  EÚ { Ω S x i ΩË V M i P ]ıx E Ú Ú± { i «x v i Ω i ΩË * Ω ΩË EÚ + Ãl EÚ ± i i EÚÆ x ± ª i  E Ú Ω M «x v i +  E Ú x { ]ı Æ E Ú ± B + EÚ Ω V BM + ËÆ V v i EÚ Æ EÚ BEÚ x CEÚ± x EÚ V EÚi ΩË *

91 91 SCHEDULE 17 - PRINCIPAL ACCOUNTING POLICY GENERAL The accompanying financial statements have been prepared under the historical convention as modified for foreign currency transactions and they conform to Generally Accepted Accounting Principles (GAAP) in India, which comprise the statutory provisions, guidelines of regulatory authorities and Reserve Bank of India (RBI), Accounting Standards and guidance notes issued by the Institute of Chartered Accountants of India (ICAI) and the practices prevalent in the banking industry in India. 2. TRANSACTIONS INVOLVING FOREIGN EXCHANGE 2.1 Monetary assets and liabilities denominated in Foreign Currencies have been translated at the Foreign Exchange Dealers Association of India (FEDAI) rates prevailing on the Balance Sheet date. 2.2 Guarantees / Standby Letters of Credit, Letters of Credit, Interest Rate Swaps, Forward Rate Agreements, Foreign Currency Options and Forward Exchange Contracts are translated at FEDAI rates as on the Balance Sheet date. 2.3 Income and Expenses are translated at the market exchange rates prevailing on the date of the respective transactions. Interest earned but not due on foreign currency funds deployed abroad, are translated at the FEDAI rates as on the balance sheet date. 2.4 In accordance with the guidelines of FEDAI all outstanding forward exchange contracts in each currency are revalued on the Balance Sheet date at the corresponding forward rates for the respective maturity of the contract. The difference between revalued amount and the contracted amount is recognized as profit or loss, as the case may be. 2.5 Premium received / paid on outstanding currency options has been accounted for as per FEDAI guidelines. 3. INVESTMENTS - Domestic Investments are accounted for in accordance with the extant regulatory guidelines. The Bank has changed w.e.f the method of accounting of investments from Transaction date to Trade Date method. 3.1 Classification Investments are classified into three categories namely: Held to Maturity, Available for Sale and Held for Trading. Investments are further classified into the following six groups in the balance sheet: Government Securities Other Approved Securities Shares Debentures and Bonds Subsidiaries / Joint Ventures, and Others (CPs, Mutual Funds, Units, etc) 3.2 Basis of Classification Investments that the Bank intends to hold till maturity are classified as Held to Maturity. Investments that are held principally for resale within 90 days from the date of purchase are classified as Held for Trading. Investments that are not classified in the above two categories are classified as Available for Sale. An investment is classified as Held to Maturity, Available for Sale or Held for Trading at the time of its purchase and subsequent shift amongst categories is done in conformity with Regulatory Guidelines. 3.3 Valuation And Accounting (i) In determining the cost of an investment: a: Brokerage / commission received on subscription is reduced from the cost. b: Brokerage / commission etc., paid in connection with the acquisition of investments is charged to revenue and not included in cost. c: Broken period interest paid/received on debt instruments is treated as interest expended / income and is not included in cost/sale consideration. d: Cost is determined on the weighted average cost method. e: The transfer of a security amongst the above three categories is accounted for at the least of the acquisition cost/book value/market value on the date of transfer and the depreciation, if any, on such transfer is fully provided for. (ii) Held to Maturity categories: Each security is carried at acquisition cost or at amortized cost, if acquired at a premium over the face value. Any premium on acquisition is amortized over the remaining maturity period of the security on constant yield basis.

92 92 Such amortization of premium is adjusted against income under the head Interest on investments. Profit on sale/redemption of securities is recognized as income and appropriated to Capital Reserve net of taxes and mandatory transfer to statutory reserves. (iii) Available for Sale and Held for Trading categories: a. The value of investments held under the Available For Sale category is determined as per Reserve bank of India guidelines as under: Central Government Securities: Marked to market on the basis of prices declared for the purpose of valuation jointly by Fixed Income Money Market and Derivatives Association of India (FIMMDA) and Primary Dealers Association of India (PDAI). State Government Securities and Other Trustee Securities: Marked to market on the basis of prices derived out of the yield for respective maturities declared for the purpose of valuation jointly by FIMMDA and PDAI. Shares: Wherever Stock Exchange quotations are available valuation is done as per lower of the quotations in Bombay Stock Exchange or National Stock Exchange. Wherever current quotations are not available and in respect of unquoted shares (i) Valuation is as per Book Value (without considering Revaluation Reserves, if any) ascertained from the latest Balance Sheet of the Company (which is not more than one year prior to the date of valuation) (ii) In case the latest Balance Sheet is not available, the shares are valued at Re.1/- per Company. Bonds & Debentures: Valued on the YTM method for the respective maturity and rating put out by FIMMDA and PDAI. Mutual Fund Units: Quoted Mutual Fund Units are valued as per Net Asset Value as declared by the Mutual Fund. Treasury Bills, Certificates of Deposits and Commercial Papers are valued at carrying cost. Preference Shares are valued at lower of market value determined on YTM basis and its redemption value. b. Each security in the above two categories is revalued at the market price or fair value determined as per Regulatory Guidelines and only the net depreciation of each group for each category is provided for and net appreciation is ignored. On provision for depreciation, the book value of the individual securities remains unchanged after marking to market. (iv) Security receipts issued by an Asset Reconstruction Company (ARC) are valued in accordance with the guidelines applicable for Non SLR investments. (v) Investments are classified as performing and nonperforming based on the following guidelines issued by the RBI. a) Interest / Instalment (including maturity proceeds) is due and remains unpaid for more than 90 days. b) In the case of equity shares, in the event of the investment in the share of any company is valued at Re.1/- per company on account of the nonavailability of the latest balance sheet, those equity shares would be reckoned as NPI. c) If any credit facility availed by the issuer is NPA in the books of the Bank, investment in any of the securities issued by the same issuer would also be treated as NPI and vice versa. d) The above would apply mutatis mutandis to preference shares where the fixed dividend is not paid. e) The investments in debentures / bonds, which are deemed to be in the nature of advance, are also subjected to NPI norms as applicable to investments. f) The Bank has adopted the Uniform Accounting Procedure prescribed by the RBI for accounting of Repo and Reverse Repo transactions (other than transactions under the Liquidity Adjustment Facility [LAF] with the RBI). Accordingly, the securities sold/ purchased under Repo/Reverse Repo are treated as outright sales/purchases and accounted for in the Repo/Reverse Repo Accounts, and the entries are reversed on the date of maturity. Costs and revenues are accounted as interest expenditure/ income, as the case may be. Balance in Repo/ Reverse Repo Account is adjusted against the balance in the Investment Account. g) Securities purchased/sold under LAF with RBI are debited/credited to Investment account and reversed on maturity of the transaction. Interest expended/ earned thereon is accounted for as expenditure / revenue.

93 Interest Rate Swaps And Forward Rate Agreements (a) Interest Rate Swaps and Forward Rate Agreements have been undertaken for hedging purposes only and hence the cash flows are accounted on accrual basis and the balances are carried at Notional Principal Value. (b) When a hedge becomes naked in part or full owing to shrinking portfolio, and if allowed to continue till maturity, it is marked to market at regular intervals. (c) The periodical net cash flows arising out of Interest Rate Swaps in domestic currency are booked as income/expenditure. (d) The periodical net cash flows arising out of Interest Rate Swaps in foreign currency are booked as income/expenditure and form part of the exchange position in Forex transactions. (e) The Interest Rate Swaps and Forward Rate Agreements in foreign currency are valued at FEDAI rate prevailing on the Balance Sheet date and the outstanding position is shown under Contingent liabilities. (f) Gain/Loss arising out of swap transactions in respect of Tier I / II bonds, is computed separately. Losses, if any, are fully provided for. Gains on reset or sale is recognised as Income and appropriated to Special Reserve net of taxes and mandatory transfer to statutory reserve. 3.5 Non Performing Investments All such securities where repayment of principal or interest not serviced within 90 days from the due date are classified as Non-performing Investments, except securities guaranteed by the Central Government which are treated as performing investments notwithstanding arrears of principal/interest payments. In respect of investments classified as Non-performing, appropriate provisions are made for the depreciation in the value. The depreciation requirement in respect of these securities is not set off against appreciation in respect of other performing securities. 4. ADVANCES 4.1 All advances have been classified under four categories i.e., (i) Standard Assets (ii) Sub-Standard Assets (iii) Doubtful Assets and (iv) Loss Assets as per RBI directives/guidelines. 4.2 Advances shown in the Balance Sheet are net of: a) Provision made on Non-Performing Assets (NPAs) b) Uncollected Interest Income in respect of NPAs c) Bills rediscounted with IDBI/SIDBI d) Claims received. e) Diminution in fair value of Restructured Assets. f) Technical write-off 4.3 Provision on advances have been made in accordance with RBI guidelines/ directives as under: a. For Standard Assets: i. 0.25% on direct advance to agriculture and SME sectors ii. 1.00% on advances to commercial real estate. iii. 0.40% on all other advances. b. For all Non-Performing Assets (NPAs): i) Sub-standard Assets at 10% of the outstanding in the case of ab-initio secured exposure and 20 % in the case of ab-initio unsecured exposure. ii) Doubtful assets at 20%, 30% or 100% of the secured portion based on the number of years the account remained as Doubtful Asset and at 100% of the unsecured portion of the outstanding after netting retainable amount of the guarantee cover under the scheme of Export Credit and Guarantee Corporation (ECGC) / Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), wherever applicable, and iii) Loss Assets at 100%. 4.4 Restructuring of Advances: In respect of restructured accounts, where the outstanding is Rs crore and above, the erosion in the fair value of the advance is computed as the difference between the fair value of the loan before and after restructuring. Fair value of the loan before restructuring is computed as the present value of cash flows representing the interest at the existing rate charged on the advance before restructuring and the principal, discounted at a rate equal to the bank s BPLR as on the date of restructuring plus the appropriate term premium and credit risk premium for the borrower category on the date of restructuring. Fair value of the loan after restructuring is computed as the present value of cash

94 94 flows representing the interest at the rate charged on the advance on restructuring and the principal, discounted at a rate equal to the bank s BPLR as on the date of restructuring plus the appropriate term premium and credit risk premium for the borrower category on the date of restructuring. In respect of restructured accounts, where the outstanding is less than Rs crore, the amount of diminution in the Fair value has been computed at 5% of the outstanding. 4.5 In the case of suit filed accounts, legal expenses are charged to Profit & Loss account and credited to revenue expenditure, when recovered. 4.6 Financial assets sold to Asset Reconstruction Company (ARC)/ Securitisation Company (SC) are recognised as under: a. In case the sale is at a price lower than the Net Book Value (NBV), the difference is charged to the Profit & Loss account. b. In the case the sale is at a price higher than the NBV, the surplus provision is not reversed but held separately for meeting the loss if any on future sale of financial assets. 5. DEPOSITS Interest on deposits with provision for re-investment of interest is capitalized for every completed quarter and shown as principal. 6. FIXED ASSETS & DEPRECIATION 6.1 Premises and other fixed assets have been accounted for at historical cost. Pending registration, the land and buildings acquired by the Bank are capitalized, based on letters of allotment/ agreement and the physical possession. 6.2 Individual items costing Rs.1,000 or less are charged to revenue in the year of purchase. Cost of mobile phones up to Rs. 5000/- and furnishing items are debited to profit and loss account in the year of purchase. 6.3 Depreciation on premises and other fixed assets including system software is provided for on written down value method in the manner and at rates as per Income Tax Act/Rules except as under: No. Description Method of Depreciation/ of fixed charging amortisation assets depreciation rate 1. Computers Straight 33.33% Line Method every year 2. Computer Written Down 60% Software Value Method forming an integral part of hardware 3. Computer Straight 100% in the Software which Line Method year of does not form acquisition an integral part of hardware 6.4 In respect of assets acquired during the year, depreciation is charged for half year in respect of assets used for 182 days or less and for the full year in respect of assets used for more than 182 days, except depreciation on computers and software, which is charged for the full year irrespective of the period for which the asset was put to use. No depreciation is provided in the year of sale/ disposal of an asset. 6.5 In respect of Leasehold Properties, the lease premium is amortized over the period of the lease. 7. EMPLOYEE BENEFITS 7.1 Short Term Employee benefits: Amount of short-term employee benefits, such as casual leave and medical benefits, expected to be paid in exchange for the services rendered by employees is recognised during the period when the employee renders the service. 7.2 Post Employment benefits: i. Defined Contribution Plan The Bank operates a Provident Fund scheme, which is a defined contribution plan. All eligible employees are entitled to receive benefits under the Bank s Provident Fund scheme. The Bank contributes monthly at a determined rate (currently 10% of employee s basic pay plus eligible allowance). These contributions are made to a fund set up by the Bank and administered by a Board of Trustees. The Bank has no liability for future provident fund benefits other than its annual contribution, and recognises such contributions as an expense in the year to which they relate.

95 95 ii. Defined Benefit Plan a. The bank operates gratuity, pension and resettlement schemes, which are defined benefit plans. b. The Bank provides for gratuity to all eligible employees. The benefit is in the form of lump sum payments to vested employees on superannuation, on death while in employment or on termination of employment. The rate of gratuity payable to an employee is 15 days based on the rate of wages / salary last drawn by the employee as per the Payment of Gratuity Act 1972 for every completed year of service. Gratuity is payable to an employee on the termination of his employment after he has rendered continuous service for a period of not less than 5 years (on retirement, resignation, except death & disablement). To be eligible under SBT (Employees) Gratuity Regulations 1972, minimum service required is 10 years. The Bank makes annual contribution to the Fund administered by the Board of Trustees based on independent actuarial valuation carried out annually. The maximum amount payable as per the Gratuity Act is Rs.3.50 lacs. As per the SBT (Payment of Gratuity to employees) Regulations, it can go beyond Rs.3.50 lacs. The higher amount will be paid to the employees, subject to deduction of Income Tax on amount in excess of Rs.3.50 lacs. c. The Bank provides for pension to all eligible employees who have opted for pension. The benefit is in the form of monthly payments as per rules and regular payments to vested employees on retirement, on death while in employment, or on termination of employment. Vesting occurs at different stages as per rules. The Bank makes annual contributions to fund administered by Board of Trustees based on an independent external actuarial valuation carried out annually. d. The cost of providing defined benefits is determined using the projected unit credit method with actuarial valuations being carried out at each balance sheet date. Actuarial gains/losses are immediately recognised in the statement of profit and loss and are not deferred. e. The bank has exercised the option of recognising the transitional liability on adoption of AS15 (2005) for its defined benefit schemes against revenue and other reserves. iii. Other Long Term Employee benefits: a. All eligible employees of the bank are eligible to encash certain portion of their earned leave while in employment or on retirement, on death or on termination of employment, subject to a maximum amount. This is paid by the Bank as and when the liability arises. b. The cost of providing other long-term benefits is determined using the projected unit credit method with actuarial valuations being carried out at each balance sheet date. Past service cost is immediately recognised in the statement of profit and loss and is not deferred. 8. PROVISION FOR TAXATION a. Income tax expense is the aggregate amount of current tax, deferred tax and wealth tax. Current year taxes are determined in accordance with the prevailing tax rates and tax laws. Deferred tax adjustments comprise changes in the deferred tax assets or liabilities during the year. b. Deferred tax assets and liabilities are recognised on a prudent basis for the future tax consequences of timing differences arising between the carrying values of assets and liabilities and their respective tax basis and carry forward losses. Deferred tax assets and liabilities are measured using tax rates and tax laws that have been enacted or subsequently enacted prior to the balance sheet date. The impact of changes in the deferred tax assets and liabilities is recognised in the profit and loss account. c. Deferred tax assets are recognised and reassessed at each reporting date, in accordance with AS-22 and based upon management s judgement as to whether realisation is considered certain. Deferred tax assets are recognised only if there is virtual certainty that such deferred tax assets can be realised against future taxable income. 9. REVENUE RECOGNITION 9.1 INCOME: Interest and other income are recognized on accrual basis except for the following, which are recognized on cash basis:

96 96 a. Interest and other income on NPAs, projects under implementation with time over run and government guaranteed accounts where interest is not received regularly, as per Reserve Bank of India guidelines; b. Dividend on investment in shares and income distributed on units of Mutual Funds ; c. Locker Rent; d. Exchange on demand bills purchased/ commission on bills sent for collection; e. Interest on Overdue bills on realization basis; f. Income on cross selling products; g. Interest on Non Performing Investments and h. Insurance claims 9.2 Adjustment in respect of recoveries made in NPA Accounts the recoveries made are appropriated in the order of Charges, Interest and then to Principal in live NPA and in respect of protested bills accounts, the recoveries made are appropriated in the order of Principal, Charges and then to unrealized Interest. 9.3 Income from interest on refund of income tax is accounted for in the year the assessment order is passed by the concerned authority. 9.4 EXPENDITURE: a. Revenue expenditure is accounted for on accrual basis except Interest on overdue deposits and Property Taxes, which are accounted for on cash basis. 10. NET PROFIT The net profit disclosed in the Profit and Loss account is arrived at, after making provisions for the following: o Provision for taxes on income including Deferred Tax and Wealth Tax; o Provision for Non performing Advances and/ or Investments o Provision on Standard Assets; o Interest sacrifice on restructured accounts; o Depreciation on Investments; o Transfers to contingencies, and, o Other usual and necessary provisions. 11. IMPAIRMENT OF ASSETS Impairment loss, if any, on Fixed Assets is recognised in accordance with the Accounting Standard-28 issued in this regard by the Institute of Chartered Accountants of India. 12. ACCOUNTING FOR PROVISIONS, CONTINGENT LIABILITIES AND CONTINGENT ASSETS In conformity with AS 29, Provisions, Contingent Liabilities and Contingent assets, the Bank recognises provisions only when it has a present obligation as a result of a past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligations, and when a reliable estimate of the amount of the obligation can be made.

97 97 ] ni 18 IW pi-fpss hni-zo-i-c-w- p-dn- p-iƒ 1. aqe[\w aqe[\ ]cym]vxxm A\p]mXw kmºøni hnhcßfpssbpw dnk v _m v Hm^v C UybpsS am \n t±ißfpssbpw ASnÿm\Øn _m v IW m nbn p aqe[\hpw \jvskw`mhyxm `mcnx BkvXnbpw XΩnep A\p]mXw XmsgsImSpØncn p p. a) t_k I {]Imcw i) aqe[\hpw \jvskw`mhyxm `mcnx BkvXnbpw XΩnep A\p]mXw. (CRAR) 11.89% 12.13% ii) aqe[\hpw \jvskw`mhyxm `mcnx BkvXnbpw XΩnep A\p]mXw Snb % 7.43% iii) aqe[\hpw \jvskw`mhyxm `mcnx BkvXnbpw XΩnep A\p]mXw Snb II 3.89% 4.70% iv) C ym Khs ns Hmlcn hnlnxøns ixam\w C C v) IPDI Cjyq-hgn dnt m v h jw kam-l-cn XpI C - vi) A Sb II {]am-w-߃hgn dnt m p-h jw kam-l-cn XpI C b) t_k II {]Imcw apx dnk v _m v Hm^v C y-bpss \ne-hn-ep am -\n t±-i-a-\p-k-cn v _m v ]pxnb aqe-[\ ]cym-]vxxm N - q-sn-te v amdn- -gn- p. _m v, s{iun v dnkv nse hyh-ÿm-]nx kao-]- \w, am v dnkvin-\p-th n hyh-ÿm-]nx ka-b-_- nx kao-]-\w, Hm -td-j-w dnkvin\v t_kn v C Un-t - kao-]\w F nh kzoi-cn- p-ibpw t_k II s Iogn an\naw aqe-[-\-am n Iw]yq v snøm km[n- p. (cq] timsnbn ) {]qu jy ^vtfm t_k I N q n \n pw t_k II N q nte p am w kpkaam p Xn\pth n B._n.sF G hpw Ipd aqe[\ Øns\ n {]qu jy ^vtfm \n bn pibp mbn. hmbv]m Itºmf \ kw`hyxisf Dt±in v B._n.sFbpsS am \n t±iw A\pkcn v t_k I {]Imcw Hcp \n nx Ipd aqe[\ ]cym]vxx \n bn pibp mbn t_k I N q n Sn coxnbn \n bn aqe[\ ]cym]vxxbnt ep {]qu jy ^vtfm 80% Bbn IW m nbncn p p. {]qu jy ^vtfm t_k I N q n \n pw t_k II N q nte p am w kpkaam p Xn\pth n B._n.sF G hpw Ipd aqe[\ Øns\ n {]qu jy ^vtfm \n bn pibp mbn. hmbv]m Itºmf \ kw`hyxisf Dt±in v B._n.sFbpsS am \n t±iw A\pkcn v t_k I {]Imcw Hcp \n nx Ipd aqe[\ ]cym]vxx \n bn pibp mbn t_k I N q n Sn coxnbn \n bn aqe[\ ]cym]vxxbnt ep {]qu jy ^vtfm 80% Bbn IW m nbncn p p. {]qu jy aqe[\ IW m Xmsg dbp {]ImcamWv \º hnhcw߃ XpI cq] timsnbn 1. t_k I {]Imcw BsI \ kw`hyxm`mcnx BkvXnIƒ 36, t_k I {]Imcw IcptX G hpwipd aqe[\w (1) x 9% 3, {]qu jy ^vtfm (t_k I {]Imcap G hpw Npcnßnb aqe[\w (2) x 80% 2, aqe[\ \n[n 4, {]qu jy ^vtfmdnt\ mƒ A[nIambn IcpXnbncn p aqe[\w 1, dnk hv _m v \n bn n p {]qu jy ^vtfm \nc v _m v ]men n p v 1. aqe[\hpw \jvskw`hyxm `mcnx BkvXnbpw XΩnep A\p]mXw (CRAR) 13.74% 14.03% 2. aqe[\hpw \jvskw`hyxm `mcnx BkvXnbpw XΩnep A\p]mXw Tier I 9.24% 8.59% 3. aqe[\hpw \jvskw`hyxm `mcnx BkvXnbpw XΩnep A\p]mXw Tier II 4.50% 5.44% * amt\pvsa n\m GIoIcn Xpw BUn am hnizmkønsespøxpw

98 98 c) Snb I / Snb II aqe[\øns `mkambn Db Øs kt_m Unt\ v ISßfpw ssl{_nuv C kv{spsa pw cq] timsnbn hnizhnhcw Cjyp snbvx Imemh[n ]eni\nc v% XpI XpI kt_m Unt\ v IS߃ h jw kocokv V amkw kocokv VI amkw kocokv VII amkw kocokv VIII amkw kocokv IX amkw kocokv X amkw A Snb II t_m v amkw A Snb II t_m v amkw \qx\ imizx EW {]amw߃ (Snb 1 aqe[\w) kocokv I imizxw kocokv II imizxw BsI \nt ]߃ cq] timsnbn C\߃ \nt ]ßfpsS aqeyw i) \nt ]ßfpsS samøw aqeyw (a) C ybv IØv (b) C ybv p ]pdøv C ii) txbvam\øn\p IcpXen\p tijw (a) C ybv IØv (b) C ybv p ]pdøv C C iii) \nt ]ßfpsS A aqeyw (a) C ybv IØv (b) C ybv p ]pdøv C 2. \nt ]ßfpsS hnebnsnhn\p hibncpøen h am ߃ (i) G{]n 1 se {]mcw`_m n (ii) Iq pi: \S ph jønse hibncpø C (iii) Ipdbv pi: \S ph jøn A[nIap hibncpø XncnsI hchph Xv C (iv) Ipdbv pi: \S ph jøn FgpXnØ nbxv (v) \o nbncp v (am v 31 \v) dnk hv _m ns am \n t±i{]imcw _m ns Xt±iobamb BsI \nt ]ßsf aq p hn`mkßfmbn Xcw Xncn ncn p p Xmsg]dbpw {]Imcw XcwXncn ncn p p. cq] timsnbn Xcw Xncnhv XpI % XpI % Imemh[n hsc ssihiw hbv p h (HTM) hnev]\bv mbn p h (AFS) hym]mchiyøn\mbn ssihiw sh h (HFT) BsI Xt±iob F v.sn.fw. {]amw߃ ssd v Unam Uv & sssw km yxbpambn p ixam\ W n IqSnb \n nx ]cn[nbmb 25% BsW nepw Sn icmicn IW m nbxv 23.02% BWv

99 se dnt]m (Repo) CS]mSpIƒ (cq] timsnbn ) hnhcw߃ \S ph jønse G hpw \S ph jønse ]camh[n \S ph jønse ssz\wzn\ 31 am v 2010 se Ipd _m n \n icmicn _m n \n _m n \n p XpI _m n \n p XpI p XpI p XpI dnt]mbv p (Repo) t\m a C C C C hnt[bambn skiyqcn n (C ) (C ) (C ) (C ) IfpsS hnev]\ F.F.F^v C (C ) (C ) C (C ) (750.00) (30.41) (C ) dnthgvkv dnt]mbv p t\m a C C C C (Reverse Repo)hnt[bambn C (C ) (C ) (C ) skiyqcn nifpss hmß F.F.F^v C (C ) ( ) (43.19) (150.00) Ipdn v: {_mbv nse kwjyiƒ Ign h jtøxmwv. 2.3 Non-SLR apx aps pifpss hnhcw i) Non-SLR apx aps pifpss Cjypb simsºmknj \v (cq] timsnbn ) v \º t{kmx XpI kzimcy apx aps p axn p enãp snø \nt ] \nehmcøn\p Ipd s SmØ txmxv Xmsgbp skiyq-cn n skiyq-cn n skiyqcn nbpss IfpsS IfpsS txmxv txmxv txmxv 1. ]n.fkv.bp (60.01) (34.45) (1.50) (40.29) (35.77) 2. kmºøni ÿm]\߃ ( ) (935.71) (25.31) (24.20) 3. _m piƒ (254.78) (40.18) (3.82) (0.00) 4. kzimcy Iº\nIƒ (175.41) (18.37) (1.37) (175.30) (19.27) 5. klmwkßfpw kwbp kwcw`ßfpw 6. a p h (0.24) (0.24) (0.24) (0.24) 7. aqey bøn\p th nbp IcpX (70.90) BsI (A aqey bw) ( ) ( ) (2.87) (244.96) (79.48) Ipdn v: {_mbv nse kwjyiƒ Ign h jtøxmwv.

100 - 100 ii) \njv{inbamb t\m Fkv.F.B. \nt ]߃ \v hnhcw߃ XpI (timsnbn ) {]mcw`_m n 2.50 (2.65) 2008 G{]n 1 apxep h jw C (C ) A[nIw Iq nt ØXv apifn ]d h jw 0.99 (0.15) Ipdhp hcpønbxv \o nbncp v 1.51 (2.50) samøw IcpXepIƒ 1.51 (2.50) Ipdn v: {_mbv nse kwjyiƒ Ign h jtøxmwv. 2.4 hmeyqtu v A u nwkv coxnbn \n pw t{suv tu v A u v coxnbnte pw apx am whcpønb \nt ]ßsf nbp A u nwkv t]mfnkn {]Imcw timsncq]bv p hmßnb k m IS {XßfpsS XpIbpw JfinXIme ]enibmb 0.20 timsn cq]bpw \S ph jønse IW n Dƒs m n ncn p p. 2.5 \S ph jw Iq H en kzm]v (sluvpnwkn\mbp XXv`hamb Hcp DXv] w) \SØpI hgn _m n 0.99 timsn cq]bpss \ w D mbn. B._n.sFbpsS am \n t±iw A\pkcn v Sn XpI em`\ W n NpaØn. 3. sudnth ohpiƒ 3.1 ]eni\nc v kzm]vkv sudnth piƒ t^m th Uv \nc v Icm / Hm]vj cq] IW n /hntzi\mwyøn (cq] timsnbn ) hnhcw v i) kzm]v IcmdpIfpsS ASnÿm\ XpI ]eni \nc v kzm]v Iq H en kzm]v ii) FXn I niƒ Icm A\pkcn p AhcpsS _m[yx \ndth n bns n D mim\nsbp \jvsw iii) kzm]vkv Gs Sp p Xn\v _m v \ ti nh kzøppmayw C C iv) kzm]vkv Gs SpØXn\m s{iun v dnkvipifpss ti{µoicww C C v) kzm]v _p ns \ymbhne (5.98) (10.29) (sudnth ohv CS]mSpIƒ Ib paxn mcn \n pw amt\pvsa kzoicn k n^n ns ASnÿm\ØnemWv snbvxncn p Xv.) a) Snb II t_m pifnse \nt ] ßfnse ]eni\nc nse \jvskw`mhyx Hgnhm p Xn\mbn _m v ]eni \nc v kzm]vkv (Iq H en kzm]vkv) CS]mSp \SØnbn p v. hym]mcøn\mbn Cs m w bmsxmcp kzm]vkv CS]mSpw \SØnbn n. b) F m ]eni\nc v kzm]vkv CS]mSpIfpw FXn I n v A\phZ\obamb FIvkvt]mj ]cn[n IØmWv. c) sluvpns hnebpw Imemh[nbpw \nehnep _m[yxbn \n v A[nIcn p n. H bmbp Hcp CS]mSpw Bcw`n pitbm/_m n \n pitbm snøp n. d) Iq H en kzm]vkpiƒ P m\okv sb nepw C y cq]bnepw BWv snøp Xv. C y cq]bn ÿnc ]eni\nc n kzoicn pibpw Pm \okv sb n LIBOR hm jni \nc n (kvs{]uv Dƒs ss) 1% Iymt mss \ IpIbpw snøp p. e) kzm]vkv Gs Sp p Xn\mbn Hcp XcØnep Pmayhpw _m v \ Inbn n. f) Cu h jw ]eni \nc v kzm]vkpiƒ \n p s{iun v dnkvipifpss ti{µoicww D mbn. g) \S ph jw _m v t^m thuv \nc v Icm H pw Xs Gs SpØn n 3.2 FIvkvtN v hn]w\ ]eni\nc p sudnth ohpiƒ (B`y chpw hntzi\mwyhpw) (cq] timsnbn ) {Ia hnhcw߃ \w (i) Cs m sø FIvkvtN v hn]w\ ]eni\nc p sudnth ohpifpss km ev]niamb apx XpI C (ii) 2010 am v 31 \p \o n _m nbp FIvkvtN v hn]w\ ]eni\nc p sudnth ohpifpss km ev]niamb apx C (iii) FIvkvtN v hn]w\ ]eni\nc p sudnth ohpifn ""G hpw IqSpX ^e{]za møxv'' C (iv) FIvkvtN v hn]w\ ]eni\nc v sudnth ohpifn _m n\n p am v Sp am v G hpw ^e{]za møh C 3.3 Hm]vj\pIƒ (a) CS-]m-Sp-Im v hmkvzm\w snbvx Hm]vj-\p- Iƒ v am - n ]c-kv]cw ]q Æ-kp-c- n- XXzw Dd- p-h-cp-øp- p- v. (b) _m n \nev]p- Hm]vj-\p-Ifn Iev]nX aqe- [-\-Xp-I-bpsS Iymcn-bnwKv hmeyp IW- m- n-bncn- p- Xv s^umbv \nc- nepw se s^b hmeyphpw Xmsg- -d-bp- p.

101 101 (cq] timsnbn ) hnhcw߃ IymcnbnwKv s^b hmeyp hmeyp Hm]vj Icm-dp-Iƒ 9.36 C 0.28 C 3.4 sudnth ohpifnse \jvskw`mhy Xsb kw_ n shfns SpØepIƒ a) KpWta shfns SpØepIƒ (i) _m v sudnth ohv hym]mcw Gs SpØn n. sluvpnwkn\p (hedging) am{xta CXv D]tbmKs SpØnbn p q. CXn\mhiyamb tcjiƒ D]t`m rhn`mkw BWp Xncs Sp p Xv. CXn\mhiyamb am\zwvußfpw coxnifpw UbdIvS t_m Uns Imcy \n hlw kanxn AwKoIcn n p v. CXp \S m epw XpS \S]SnIfpw D]t`m r hn`mkamwp ssiimcyw snbvxn p Xv. (ii) \jvskw`mhyx IW m epw XpS \S]SnIfp sa \nebv v, sluvpnwkns ^e{]m]vxn Dd m p Xn\v \n nximebfhn AXns\ am vuv Sp am v Bbn hn\ntbmkn p p. (iii)\jvskw`mhyx elqicn p Xn\mbn Nne \S]Sn{Ia߃ kzoicn Xv sudnth ohns\ Xncs Sp ptºmgpw D]tbmKs SpØp tºmgpw td v sk kn ohv Km]v, _ s ]eni\nc p Ifpambn A]{KYn mwp \SØnbn p Xv. (iv)sluvpnwkv k nxaqeymsnÿm\ønemwp IW m nbncn p Xv. sluvpnwkv hn]w\hp ambn _ s SpØn bmsxm pw snbvxn n. F nepw, kmam\yaqeyhpw _ s I niƒ AS ns n D mtb mhp \jvskm[yx kw_ n hnhc߃ shfns SpØnbn p v. hmbv]m\jvs kw`hyx Ipdbv p Xn\mbn B cniambn D m nbn p hyhÿif\p kcn p {IaoIcW߃ \SØnbn p v. b) ]cnamwsø kw_ n shfns SpØ cq]/t^msdivkv ASnÿm\Øn (cq] timsnbn ) \w. hnhcw Id kn Id kn sudn sudn th ohpiƒ th ohpiƒ sudnth ohpiƒ (t\mjw apx XpI) a) sluvpnwkn\v C C b) hym]mcøn\v C C 2. Itºmf \nehmcøn te p tcjs SpØnbXv a) BkvXn (+) C C b) _m[yx ( ) C C 3. s{iun v FIvkvt]mj C C 4. ]eni\nc n Hcp ixam\w hyxymkw sudnth ohpifn D mim km[yxbp {]XymLmXw (100 pv 01) C C a) sluvpnwkv sudnth ohpiƒ v b) hym]mc sudnth ohpiƒ v 5. \nco n 100* PV01 s A[nIXahpw \yq\xahpw \S ph jw a) sluvpnwkn\v C C b) hym]mcøn\v C C \w. hnhcw C dãvtd v C dãvtd v sudn sudn th ohpiƒ th ohpiƒ sudnth ohpiƒ (t\mjw apx XpI) a) sluvpnwkn\v b) hym]mcøn\v C C 2. Itºmf \nehmcøn te p tcjs SpØnbXv a) BkvXn (+) C C b) _m[yx ( ) (5.98) (10.29) 3. s{iun v FIvkvt]mj ]eni\nc n Hcp ixam\w hyxymkw sudnth ohpifn D mim km[yxbp {]XymLmXw (100 pv 01) a) sluvpnwkv sudnth ohpiƒ v b) hym]mc sudnth ohpiƒ v C C 5. \nco n 100 * PV01 s A[nIXahpw \yq\xahpw \S ph jw a) sluvpnwkn\v 0.07/ /9.78 b) hym]mcøn\v C C FXn II n _m v AXm-bXv Fkv.-_n.-sF.-bn \n pw amt\-pvsa n\v In nb Adn-bn- -\p-k-cn- mwv shfn-s -Sp-Ø-ep-Iƒ Xbm-dm- n-bn-cn- p- -Xv). 4. BkvXnIfpsS kz`mhw 4.1 \njv{inb BkvXn \njv{inb BkvXnIfnse am ߃ (cq] timsnbn ) C\߃ (i) A \njv{inb BkvXnIfpw A AUzm kpifpw XΩnep _ w (%) 0.91% 0.58% (ii) \njv{inb BkvXnIfn h am ߃ a) {]mcw` _m n

102 102 b) \S ph jønse h \ c) \S ph jønse Ipdhv d) \o nbncn v (iii) A \njv{inb BkvXnIfn h am ߃ a) {]mcw` _m n b) \S ph jønse h \ c) \S ph jønse Ipdhv d) \o nbncn v* (iv) \njv{inb BkvXnIfpsS hnebncp Øen h am ߃ (\nehmc BkvXnIƒ p hibncpø Ign v) a) {]mcw` _m n b) \S ph jønse hibncpø # 81.47@ c) A[nIap hibncpø (FgpXn Ø m D]tbmKn Xv) FgpXnØ nbxv d) A[nIap hibncpø dnthgvk e) \o nbncn v * ]ncns Sp mø ]eni timsn (23.02 timsn) cq] Ipd n mwv A \njv{inb BkvXnIfpsS \o n _m n IW m nbn p Xv. 2. C.kn.Pn.kn bn \n pw In nbn p s bnw samøw \njv{inb BkvXnbn \n pw Ipdhv snbvxxn\p tijamwv A \njv{inb BkvXn IW m nbncn p Xv. ph jsø IcpXepIƒ hibncpøn bncn p Xn \njv{inb BkvXn pth nbp timsnbpw ]p\ hn\ykn s (Non-CDR) A u pifpss \ymbhnebnep mimhp Idhmbn IW m nbn p 0.94 timsn cq]bpw Dƒs Sp p. 4. B._n.sFbpsS am \n t±i {]Imcw Ign h jsø kwjyiƒ ]pxp n \n bn n p v. 4.2 ]p\xkwls\bv v \S p h jøn hnt[bam s hmbv]m BkvXnIfpsS hnhc߃ a) ]p\xkwlsn s A u pifpss hnhcw (cq] timsnbn ) knunb FkvFwCu a p h sa m\nkw ]p\xkwls\ ]p\xkwlsn n hmbv]m mcpss FÆw \nehmc hmbv] _m n XpI Cfhv (\ymb aqeyøn Ipdhv) ]p\xkwlsn n hmbv]m mcpss FÆw Ipd \nehmc _m n XpI Ønep hmbv] Cfhv (\ymb aqeyøn Ipdhv) ]p\xkwlsn n hmbv]m mcpss FÆw kwibmkv]z _m n XpI AUzm kpiƒ Cfhv (\ymb aqeyøn Ipdhv) BsI hmbv]m mcpss FÆw _m n XpI Cfhv (\ymb aqeyøn Ipdhv)

103 BkvXn]p\xkwLS\bv p th n skiyqcns tkj /BkvXnkwLS\m Iº\nIƒ F nhbv v \S p h jw hn kmºøni BkvXnIfpsS hnhcw (cq] timsnbn ) hnhcw i) A u pifpss FÆw C 3 ii) SC/RC hn A u pifpss samøw aqeyw (A IcpX XpI) C #45.33 iii) samøw ]cnkw\ C $18.63 iv) ap h jßfn am nb IW pifpss ImcyØn e`n A[nI ]cnkw\ C C v) _p v hmeyphn BsI t\ w/\jvsw # 2 A u piƒ (AUC) timsn 1 A u v (NPA) timsn $ 3.00 timsn timsn (+) timsn (- ) 4.4 hmßnbxpw hn Xpamb \njv{inb kmºøni BkvXnIfpsS hnhcw A hmßnb \njv{inb kmºøni BkvXnIfpsS hnhcw (cq] timsnbn ) hnhcw a) \S ph jw hmßnb A u pifpss FÆw C C b) samøw \o nbncp v C C 2. a) Chbn \S ph jw ]p\x kwlsn n A u pifpss FÆw C C b) samøw \o nbncp v C C B hn \njv{inb kmºøni BkvXnIfpsS hnhcw (cq] timsnbn ) hnhcw hn A u pifpss FÆw C C 2. samøw \o nbncp v C C 3. samøw e`n XpI C C v 4.5 \nehmc BkvXnIƒ p IcpX (cq] timsnbn ) hnhcw \nehmc BkvXnIƒ p IcpX C C \nehmc BkvXnIƒ p th nbp \mfnxphscbp IcpX (_m n ]{XØn 5 mw ] nibn a p _m yx Ifpw IcpXenepw tn h Dƒs ss) hym]mc A\p]mXw C\߃ i) ]enihcpam\w {]h Ø\ ^ pambp ixam\øn ii) ]enibnxc hcpam\w {]h Ø\ ^ pifpss ixam\øn iii) {]h Ø\em`w {]h Ø\ ^ pambp ixam\øn iv) BkvXnIfn \n p hcpam\w v) Poh\ mcs {]Xnio j _nkn\ (hmbv]ifpw \nt ]ßfpw IqSn) (cq]m timsn- -W- n- ) vi) Poh\ mcs {]Xnio jem`w (cq]m timsn- -W- n- )

104 104 v 6. BkvXn _m[yxm amt\ppsa Nnebn\w BkvXn_m[yXIfpsS Imemh[n ]q Ønbm {Iaw. Imemh[n ]q Ønbm {Iaw (cq] timsnbn ) Znh-k 3 amk 6 amk 1 h j 3 h j 5 h j BsI Znhkw Znhkw Znhkw Znhkw Øn\v Øn\v Øn\v Øn\v Øn\v Øn\v api-fn api-fn api-fn api-fn api-fn api-fn 3 amkw 6 amkw 1 h jw 3 h jw 5 h jw hsc hsc hsc hsc hsc \nt ]w (154.81) (928.88) ( ) (286.90) ( ) ( ) ( ) ( ) ( ) ( ) ( ) hmbv] apx aps v IS߃ hntzi \mwy BkvXn hntzi \mwy _m yx (57.31) (343.85) (401.18) ( ) ( ) ) ( ) ( ) ( ) ( ) ( ) (113.77) (714.94) - (132.26) (565.01) (88.38) (464.71) ( ) ( ) ( ) ( ) (10.53) (3.86) (63.83) (74.46) (646.74) (8.10) ( ) ( ) (46.63) ( (326.44) (0.42) (93.50) (52.39) (182.11) (161.64) (126.48) (28.43) ( ) (11.53) (69.18) (80.73) (21.27) (117.22) (191.15) (420.03) (373.72) (13.04) (0.00) ( ) Ipdn v: {_mbv nse kwjyiƒ Ign h jtøxmwv. ta d IW piƒ GIoIcn p Xn\v RBI \n t±ißfpssbpw FÃnta pifpssbpw ASnÿm\Øn amt\ppsa v Nne A\pam\߃ \SØnbn p v. AXv HmUn amcpw AwKoIcn n p v. 7 hmbv]iƒ 7.1 ÿmhchkvxp fpss hn`mkøn s hmbv]iƒ timsn cq]bn C\w a) t\cn p hmbv] (i) `h\hmbv]m[njvtnx kzøp ]Wbw: ]q Æambpw hmktbmkyamb kzøp fpss CuSnt ep hmbv]iƒ kz w hmkønt\m hmsibv v \ Ip Xn\p th nbp h (ap KW\m hn`mkøn s SpØmhp hy nkx `h\hmbv]m (PSL (PSL Isf {]txyiambn ImWnt XmWv) ) ) (ii) hmwnpym[njvtnx ÿmhchkvxpiƒ Dƒs h hmwnpymhiy߃ p ÿmhc hkvxpifpss CuSnt ep hmbv]iƒ (Hm^okv si nsw, sndpins ÿe߃, hnhnt[mt±i hmwnpymhiy si ns߃, hnhn[ IpSpw_ßfpsS hmkøn\v A\ptbmPyamb si ns߃, hmwnpymhiyøn\v hnhn[ ]m cmdp Im mbn \ Inbn p si ns߃, hyhkmbm hiyønt\m, ] Iimem hiyønt\m D ÿew, tlm, `qan Gs Sp hnik\hpw \n ΩmWhpw apxembh) \n[n B[mcam mø hmbv]m ]cn[nifpw (NFB) Dƒs Sp p (iii) ]Wbm[njvTnX CuSnt ep \nt ]ßfpw (MBS) A møxpambh a. hmktbmkyamb `h\߃ b. hmwnpymhiy ÿmhc hkvxpiƒ b) ]tcm amb hmbv] tziob `h\ _m v (NHB), `h\ hmbv]m Iº\nIƒ (HFCs) apxembh v \n[n B[mcam nbpw A møxpambh ÿmhc hkvxp kw_ amb taje bnse samøw FIvkvt]mj

105 aqe[\hn]wn tajebv p simspø hmbv]iƒ timsn cq]bn C\߃ (i) {]Xy \nt -]-߃ aqe-[\ Hml-cn, ]cn-h Ø-\ob t_m p-iƒ, ]cn-h Ø -\ob Un_- -dp-iƒ, ape-[-\m-[n-jvtnx ayqnz ^ ns bqwn- p-iƒ, XpS-ßn-bh-bpsS tim ]kv Iº\n IS-ß-fn am{x-ambn \nt -]n- m-ø-h (ii) hy n-iƒ v Hml-cn-I-fnepw (IPOs & ESOPs Dƒs -ss) ]cn-h Ø\o-b t_m p-i-fnepw Un_- -dp-i-fn-epw, aqe-[-\m-[n-jvtnx ayqnz ^ p-iƒ F n-h-bn \nt -]n- p- -Xn-\v. Hmlcn / t_m p-iƒ / Un_- -dp-iƒ a p skiyq-cn- n-iƒ F n-h-bpss CuSn-t ip -amb hyh-ÿ-bn-ep- hmbv]-iƒ (iii) Hml-cn-Iƒ, ]cn-h Ø\o-b t_m p-ifpw Un_- -dp-iƒ, aqe-[-\m-[n-jvtnx ayqnz ^ p-i-fpss bqwn- p-iƒ F n-h-bpss {]my-ani CuSn-t a m-h-iy-߃ m-bn- p hmbv]-iƒ (iv) Hml-cn-Iƒ / ]cn-h Ø-\ob t_m p-iƒ, Un_- -dp-iƒ, aqe-[-\m-[n-jvtnx ayqnz ^- p-i-fpss bqwn- p-iƒ F n-h-bpss kam- c Pmay-Øns ]cn-[n-hsc kpc- n-x-am- s at -sx- nepw Bh-iy-Øn-\p hmbv]-iƒ AXm-bXv Sn Hml-cn-Iƒ, t_m p-iƒ XpS-ßn-bh Hgn- p {]my-ani CuSv hmbv]-xpi apgp-h-\mbn ]cn-c- n- -s -Sm-Ø-h C 7.3 C\wXncn p dnkv pw I {Sn FIvkvt]mjdpw (v) tãm v t{_m am pw Itºmf \n Ωm-Xm- ƒ pw th n \ In-bn- p Kymc n-i-fpw, tãm v t{_m am p kpc- n-x-am- -s - Xpw A m-sx-bp-ap hmbv]-iƒ (vi) ]pxnb Iº-\n-I-fpsS Hmlcn aqe-[-\ -Øn\v {]tam- -dpss hnln-x-øn-\mbn hn`-h-k-am-l-cww {]Xo- n v tim -td- p-iƒ v Hml-cn-Iƒ / t_m p-iƒ / Un_- -dp-iƒ, a p CuSp-Iƒ, As - n ip -amb hyh-ÿ-i-fn A\p-h-Zn hmbv]-iƒ. C C (vii) Hmlcn ]pd-s -Sp-hn- -ens CuSn-t Iº-\n-Iƒ v simsp-øn- p {_ouvpv temwp-iƒ. C C (viii) Hml-cn-Iƒ, ]cn-h Ø-\ob t_m p-iƒ, Un_- -dp-iƒ, ape-[-\m- [n-jvtnx ayqnz ^ p-i-fpss bqwn- p-iƒ XpS-ßn-b-h-bpsS {]my-ani Cjyp-hns ASn-ÿm-\-Øn _m v Gs -SpØ A ssd- nwkv _m y-x-iƒ. C C (ix)tãm v t{_m am v am Pn t{sunw-kn-\mbn \ Inb hmbv]-iƒ. C C (x) kwcw` aqe[\ ^ n (cpn-ã snbvx-hbpw A m-ø-xp-am-b-h) Dƒs - n- p F m-hn[ FIvkvt]m-jdpw Hmlcn kam-\-ambn IW- m- -s -Sp- - Xn-\m aqe-[\ hn]-wn-bpss _m yxm ]cn[n ({]-Xy- -ambpw ]tcm- -am-bpw) A\p-h Øn-t - -Xm-Wv. Cu hi-bn-ep samøw FIvkvt]m-j. C C aqe-[\ hn]-wn- p BsI hmbv]-xpi (amt\pvsa n\m GIoIcn Xpw HmUn am hnizmkønsespøxpw) (cq] timsnbn ) v dnkv v hn`mkw _m ns I {Sn dnkviv amt\pvsa t]mfnkn ECGC bpss hn`p\ coxn {]Imcw \S ph jw \S nem nbxn {]Imcw v 2010 am v 31 \p 2010 am v 31 \p 2009 am v 31 \p 2009 am v 31 \v A hmbv] hibncpønbxv A hmbv] hibncpønbxv \n mcw 2.62 C C Ipd Xv C C anxambxv C C Db Xv C 0.31 C hfsc Db Xv C C C Hm^v s{iun v C 1.23 C BsI C C I {Sn sshkv dnkviv FIvkvt]mj IW piq nbncn p Xv IqSnb _m ns t_m Uv ao nwkv AwKoIcn I {Sn dnkviv amt\pvsa t]mfnkn {]Imcw BWv. Ign h jw _m v ]n XpS Xv ECGC ]n XpS ncp h oicwcoxnbmwv.

106 H hmbv] mc\pw (SGL) Iq mb hmbv] m pw (GBL) D hmbv] ]cn[n XoXambhbpsS hnizhnhc߃ _m ns hmbv]m\bw A\pkcn v H hmbv] mc\v simsp mhp ]camh[n FIvkvt]mj _m ns aqe[\ ^ ns 15%Øn A[nIamIm ]msn møxmwv. Nne {]txyi klmncyßfn t_m Uns Imcy\n lw kanxnbpss AwKoImctØmSp IqSn aqe[\^ ns 5%Øne[nIw hcmø FIvkvt]mj A[nIambn \ Imhp XmWv. CXv kw_ n v DNnXamb shfn s SpØepIƒ hmbv] mcs kωxtømspiqsn _m ns hm jni dnt m n ImWn ncn p p. CX\pkcn v _m ns aqe[\ ^ n 15% IqSpX h FIvkvt]mjdpIfpsS hnhcw Xmsg simspøncn p p. v a) Hmtcm A u n\pw ]cnamh[n 15% AXmbXv tImSn cq] (cq] timsnbn ) ISw hmßnbhcpss s{iun v _m nbp t]cv FIvkvt]mj XpI enan v i) Sm m t{]mp vkv en ii) luknwkv Uhe]vsa ^n\m kv tim tdj en (b) hmbv] FSp p {Kq v (]cn[n 1, timsn cq]) CS-]m-Sp-Im-cpsS GsX- nepw {Kq p-i-fn _m v AXns FIvkvt]m-j koenmv IS- n- n Pmay-c-lnX hmbv]-iƒ (cq] timsnbn ) Aaq Ø skiyq-cn- n-i-fmb Ah-Im-i-ß-fn-t -ep A[n-Im-cw, ssek kn-t -ep # A[n-Imcw XpS-ßn-b-hsb _ -s -Sp-Øn-bn- p hmbv]-iƒ a p Pmay-c-lnX hmbv]-iƒ # samøw hmbv]øpibn Dƒs n p XpIbn ssd vkv, ssek kkv apxembhbpss A\pam\XpI Xmsg dbpw {]ImcamWv (cq] timsnbn ) a p h 8.1 \S p h jøn \nipxn p th nbp \o bncn v (cq] timsnbn ) hnhc߃ BZmb \nipxn kzøv \nipxn B\pjwKnIem` \nipxn C 4.10 em`hnlnx hnxcw \nipxn RBI NpaØnb ]ngisf pdn p shfns SpØ \S ph jw _m n\p ta dnk hv _m v bmsxmcp ]ngbpw NpaØnbn n 9. A u nwkv Ãm tuuvkv (AS) A\pkcn p shfns SpØ 9.1 A u nwkv Ãm tuuvkv 5 (Cu Imebfhnse A em`w AYhm \jvsw, dh\yq sd oj\pw, ap h jsø A u nwkv \bønep mb am w F nhbpw) AS 5 {]Imcw shfns SptØ Xmb ap Ime hchp Nnehp Imcy߃ C. 9.2 A u nwkv Ãm tuuv 6 (txbvam\ Nnehv IWs gpøv) Hmtcm XcØnep BkvXnIfpsSbpw \S ph jtø samøw sxbvam\ Nnehv Xmsg ]dbpw {]ImcamWv (cq] timsnbn ) BkvXnIfpsS hn`mkw ÿmhc hkvxpiƒ a p ÿnc BkvXnIƒ ]m BkvXnIƒ C C 9.3 A u nwkv Ãm tuuv 9 (dh\yp dn nj ) A u nwkv t]mfnkn \w. 9.1 {]Imcw Nne hcpam\߃ AwKoIcn p Xv hkqem s Xn\v tijamwv. RBI am \n t±i {]Imcw Imcyam{X {]k a møxn\m shfns SpØepIƒ Bhiyan. 9.4 A u nwkv Ãm tuuv 15 (]pxp nbxv) Poh-\- m p B\p-Iq-ey-߃ 1. {][m-\-s A u- nwkv \b-ß-fn-t -ep- apjyamb am -߃ \S ph jw {][m\s IWs gpøv coxnbn Imcyamb am w H pw Xs C. 2. Poh-\- m p B\p-Iq-ey-߃ 2.1 \n h-nn s] j ] -Xnbpw {Km p-hn n B\p- Iq-ey-ßfpw Xmsg -d-bp ] ni {]Imcw AS 15- \v Bh-iy-amb s] j ] Xn B\p-Iq-ey-ßfpw {Km p-hn n ]- - Xnbpw dosk- n sa v ] -Xnbpw Xmsg simsp-øn-cn- p- p.

107 107 (cq] timsn-bn ) hnh-c-߃ s] j {Km p-hn n ] Xn \n h-nn- -s B\p-Iqey _m y-x-i-fpss Ct m-gsø aqey-øn-ep am w \n -Nn- -s B\p- Iq-ey-_m y-x-i-fpss {]mcw` IW v Ct m-gp tkh\ snehv ]eni snehv BIvNyp-cn-b \jvsw (em`w) Ign- -Ime tkh\ snehv (\ ImØ B\p-Iq-eyw) Ign Ime tkh\ snehv (\ Inb B\p-Iq-eyw) B\p-Iqeyw \ InbXv (37.03) (10.22) \n -Nn- -s B\p- Iq-ey-_m yx-i-fpss t mknwkv ] Xn BkvXn-I-fpsS am w se ] Xn BkvXn-I-fpsS s^b hmeyp-hnse Bcw`w ] Xn BkvXn-I-fpsS {]Xo- n- p dnt sxmgn Zm-Xm-hns Awi-Zm\w B\p-Iq-ey-߃ AS- Xv (37.03) (10.22) BIvNyp-cn-b em`w (\-jvsw) se ] Xn BkvXn-I-fpsS \ymbhne _m yx-bpss Ct m-gsø hmeyphns bpw ] Xn BkvXn-I-fpsS \ymbhnebpssbpw hn\n-tbmkw se ^ p _m y-x -I-fpsS Ct m-gsø hne se ] Xn BkvXn-I-fpsS \ymbhne Ipdhv (Iq-Sp-X ) ] Xn BkvXn-I-fpsS FIvkv]o-cn-b kv AUvP-Ãvsa p-iƒ C C ] Xn _m yxi-fpss FIvkv]o-cn-b kv AUvP-Ãvsa p-iƒ C C Ign- -Ime tkh\ snehv AwKo-I-cn- -s -Sm-ØXv C C A _m yx (B-kvXn) _me kv jo n AwKo-I-cn XpI C C _m y-x-iƒ BkvXn-Iƒ _me kv jo n AwKo-I-cn A _m yx/bkvxn em`-\-jvs- -W- p-i-fn AwKo-I-cn- -s s\ v timãv \ne-hn-ep tkh\ snehv ]eni snehv ] Xn BkvXn-I-fpsS {]Xo- n- p dnt (46.47) (17.19) s\ v BIvNypcn-b \jvsw (75.37) (20.49) (\-jvsw) ss{xam-k-øn AwKo-I-cn- Xv Ign Ime tkh\ snehv (\ ImØ B\p-Iq-ey-߃) AwKo-I-cn- Xv C C Ign Ime tkh\ snehv (\ Inb B\p-Iq-eyw) AwKo-I-cn- Xv C C \S p h jsø em`-\jvs IW- nse 16 m-asø sjuypfn Poh-\- m v \ Ip- Xpw hi-bn-cpøpw F -Xn \n h-nn B\p-Iqey ] -Xn-I-fpsS samøw sne-hp-iƒ Dƒs -Sp-Ønbn p- v C ] Xn BkvXn-I-fpsS {]Xo- n- p dnt -Wn-s bpw bym dnt -Wn-s bpw s]mcp-ø-s -Sp-Ø-ep-Iƒ ] Xn BkvXn-bpsS {]Xo- n- p dnt ] Xn BkvXn-I-fpsS BIvNyp-cn-b em`w / \jvsw ] Xn BkvXn-I-fpsS bym dnt _me kv jo n AwKo-I-cn A _m y-xpss {]mcw`/ Ah-km\ _m n-bpss s]mcp-ø-s -Sp-Ø-ep-Iƒ se {]mcw` A -_m- yx em`-\jvs IW- p-i-fn AwKo-I-cn sne-hp-iƒ (39.00) (7.17) sxmgn ZmXm-hns Awi-Zm\w (19.20) se _me kv jo n AwKo-I-cn A -_m- yx/bkvxn ASpØ kmºøni h jøn se ( ) ] Xn BkvXn-I-fmb {Km p-hn n ^ nsebpw s] j ^ n-sebpw apx aps- p-iƒ (Iq- Sn-t ]en-i, _m v _me kv, a p BkvXn-Iƒ F n-h-sbmgnsi a p- -h) cq] timsn-bn B-kvXn-I-fpsS Xcw {Km p-hn n ^ v s] j ^ v XpI ] Xn XpI ] Xn BkvXn-I-fpsS% BkvXn-I-fpsS % % %

108 108 ta d hbn tã v _m v Hm^v C ybn snbvxn p apx aps v Xmsg ]dbp {]ImcamWv. (cq] timsn-bn ) B-kvXn-I-fpsS Xcw {Km p-hn n ^ v s] j ^ v XpI ] Xn XpI ] Xn BkvXn-I-fpsS% BkvXn-I-fpsS % % % 2.3 em`-\jvs IW- p-i-fn F m BIvNp-th-cn-b em`hpw \jvshpw ]q W-ambpw AwKo-I-cn- n- p- v. 2.4 hnhn[ ] -Xn-I-sf- p-dn- p elp-hn-h-c-ww s] j sxc-s -SpØ A l-x-bp F m Poh-\- m pw Imemh[n ]q Ønbm n ]ncn p t]mi, kzbw hncan F nhbv pw s] j \ Ip- p. s] j\v A l-am-i-w-sa- n Poh-\- m G hpw Ipd- Xv 10 h jsø tkh\w ]q Øn-bm- n-bn-cn- -Ww. A l-cmb F m Poh-\- m pw Imemh[n ]q Ønbm n ]ncn p t]miptºmtgm, kzbw hncan ptºmtgm {Km p-hn n \ Ip- -Xm-Wv. {Km p-hn- n v A l-am-i-w-sa- n Poh-\- m-c G hpw Ipd- Xv 5 h jsø tkh\w ]q Øn-bm- n-bn-cn- -Ww. 2.5 A u- nwkv Ime-b-f-hnse ] Xn BkvXn-I-fpsS {]Xo- n- p dnt Iev]nX dnt \nc v B[m-c-am- nbp- -Xm-Wv. Iev]nX dnt \nc v {]Xn-h jw 8% BWv. 2.6 apjy BIvNyp-th-cn-b \nka\߃ (cq] timsnbn ) hnh-c-w-߃ \n h-nn- -s {Km p-hn n B\p-Iqey s] j ] -Xn-Iƒ se Unkv u v \nc v 7% 7% se ] Xn BkvXn-I-fpsS {]Xo- n- p dnt \nc v 7.5% 7.5% se iºf h -\hv 6% 6% se Unkv u v \nc v 7% 7% se ] Xn BkvXn- I-fnse {]Xo- n- p dnt \nc v 7.5% 7.5% se iºf h -\hv 6% 6% 2.7 ]W-s -cp- w, ko\n-tbm-dn- n, ÿm\ b w F n-hsbbpw sxmgn hn]-wn-bnse a p _ -s LS-Iß-fmb hnx-c-ww, Bhiyw F n-h-sbbpw IW- nse-spøv `mhn-bnse iºf h -\hv BIvNyp-th-cn-b hmeyp-th-j-\n IW- m- p- p. 3. \n hnn- -s Awi-Zm\ ] Xn timsn cq] _m ns t{]mhn-u v ^ v ] -Xnbn sne-hmbn AwKo-I-cn- p-ibpw AXns\ em`-\- jvs- -W- p-i-fn "Poh-\- m v \ Ip- Xpw hibn-cp-øp- Xpw' F hn`m-k-øn Dƒs -Sp-Øp-Ibpw snbvxn- p- v. 4. Poh-\- m-cpss a p Zo L-Im-e-tØ- p B\p- Iq-ey-߃ timsn cq] Poh-\- m-cpss a p Zo L-Ime B\p-Iqey-ß-fnse sne-hmbn AwKo-I-cn- p-ibpw AXv em`-\jvs IW- p-i-fnse Poh-\- m v \ Ip- Xpw hi-bn-cp- Øp- Xpw F hn`m-k-øn Dƒs -Sp-Øp-Ibpw snbvxn- p- v. 9.5 A u- nwkv Ãm tu Uvkv - 17 (sk-kvsa dnt m nw-kv) `mkw A: _nkn-\ v skkvsa p-iƒ RBI am -\n t±-i-߃ {]Imcw _m v _nkn-\kv skkvsa ns\ Xmsg- -d-bp- coxn-bn ]p\x-h o-i-cn v {]h Øn- p- p. a) tim -td v / kºq Æ _m nwkv b) Nn d hym]mc _m nwkv c) {Sjdn d) a p _m nwkv {]h Ø-\-߃ Xmsg- -d-bp am\-z-wvu-øn-emwv h o-i-cww snbvxn-cn- p- Xv BkvXn-Iƒ i) kºq Æ/tIm -td v _m nwkv: 5 timsn cq]-bn-e- [niw FIvkvt]m-j D F m tem / hmbv]m A u- p-i-sfbpw kºq Æ/ tim -td v _m nw- Kn h o-i-cn- n- p- v. ii) Nn d hym]mc _m nwkv: ta d hn`m-k-øn Dƒs -Sp-ØmØ F m tem / hmbv]m A u- p-ifpw Nn d hym]mc _m nw-kn Dƒs -Sp- p. iii) {Sjdn: C sh-ãp-sa v t]m p-t^m-fntbm samø- Øn {Sjdn skkvsa n h o-i-cn- n- p- v. iv) a p _m nwkv {]h Ø-\-߃: _m n\v a p _m nwkv Hm -td-j skkvsa v C. hcpam\ NnehpIfpsSbpw BkvXn_m yifpssbpw hibncpøepiƒ a) hchv Nne-hp-Ifpw BkvXn-km-[y-X-Ifpw GsX- nepw {]txyi hn`m-k-hp-ambn {]Xy- -ambn _ -s - n- p-s - n Ahsb AXmXp hn`m-k-ønte v \o n-h-bv -s - n-cn- p- p.

109 109 b) {]Xy- -ambn GsX- nepw {]txyi hn`m-k-øn Npa- Øm Ign-bm-Ø-hsb Nn d samø-hn-`m-k-ß-fn-te v hym]m-c-øns A\p-]m-X-Øntem Poh-\- m-cpss A\p-]m-X-Øntem D hcp-am-\-øns ASn-ÿm-\- Øn \o n-h-bv p- -Xm-Wv. `mkw C: `qanimkv{x]camb Jfi߃ _m v Xt±iobamb JfiØn am{xw {]h Øn p Xn\m `qanimkv{x]camb JfiØn {]txyiamb bmsxmcp shfns SpØepw C. 9.6 A u nwkv Ãm tu Uv 18 (_ s I nbpss shfns SpØepIƒ) _ s I nbpss shfns SpØepIƒ: _m ns {]apj amt\pvsa v DtZymKÿk bhpw AhcpsS thx\hpw Xmsg ]dbp p. {io F.-sI. PK- m-y, amt\-pnwkv Ub-d-IvS ( apx ) iº-fhpw Ae-h kpw 10,22,764/ cq]m A\p-em`w (Perquisites) 2,23,404/ cq]. Ipdn v: as m _ s I nifpw C Ãn yq v Hm^v Nm t Uv A u vkv Hm^v C ybpss AS-18 A\pkcn p \n hn\{]imcw tã v I t{smƒuv F ss{]kkv BbXn\m, Ahsc kw_ n CS]mSpIƒ shfns SpØnbn n. c) _m n\v GsX- nepw {]txyi hn`m-k-øn Dƒs -Sp- Øm Ign-bmØ Nne BkvXn-_m-[y-X-Ifpw hc-hp- Nn-e-hp-Ifpw D v. Aß-s\-bp- -hsb {]txy-i-ambn \o n-h-bv m-ø-h-bmbn IW- m- p- p. `mkw B: _nkn-\ skkvsa p-iƒ _nkn-\kv {Sjdn tim -td v / dos -bn a p (cq] timsnbn ) samøw skkvsa p-iƒ kºq W _m nwkv _m nwkv _m nwkv {]h Ø-\-߃ hnh-c-w-߃ hchv ^ew $ hi-bn-cp-ømø Nne-hp-Iƒ {]h Ø\ em`w hc-p-am\ \nipxn Akm-[m-cW em`w / \jvsw A m-zmbw a p hnh-c-߃ skkvsa BkvXn-Iƒ \o n-h-bv mø BkvXn-Iƒ samøw BkvXn-Iƒ skkvsa _m y-x-iƒ \o n-h-bv mø _m y-x-iƒ 1.56 samøw _m y-x-iƒ $ {]h Ø\ em`w IW m nbncn p Xv IcpXepw bmz OnI NnehpIfpambn timsn cq] Ipd XntijamWv ( timsn). 9.7 A u nwkv Ãm tu Uv 19 (]m- - -cm-dp-iƒ) hyh-ÿ-bntem hms-i-hy-h-ÿ-bntem ]m w _m v FSp- Øn- p hkvxp-h-i-iƒ _m ns C m-\p-k-cww Icm ]pxp- p-hm\pw Ah-km-\n- n- p-hm\pw Ign-bp- -Xm-Wv. A[nI hmsi/]m -ØpI F n-hsb kw_- n- p _m ns _m[y-x-iƒ Icm ]pxp- p- -txmsstbm Ah-km-\n- n- p- -txm-sp-iq-sntbm AwKo-I-cn- s -Sp- p. 9.8 A u nwkv Ãm tu Uv 20: {]Xn Hmlcn kºmzyw {]XnHmlcn kºmzyw Xmsg]dbpw {]Imcw IW m nbncn p p. (cq] timsnbn ) hnizhnhc߃ A em`w (cq] timsnbn ) CIzn n HmlcnIfpsS apjyicmicn FÆw 5,00,00,000 5,00,00,000 {]Xn HmlcnkºmZyw (cq]) ASnÿm\]cw {]Xn HmlcnkºmZyw (cq]) elqicn s Xv

110 A u nwkv Ãm tu Uv 22: \nipxniƒ pw BZmbØn\pw th nbp A u nwkv 31 am v 2010 apx am nhbv s \nipxn BkvXnIfpsSbpw (DTA), am nhbv s \nipxn _m[yxifpssbpw (DTL) _m n\n ns {][m\ LS\bv \pkcn p XcwXncn Xmsg ImWpw {]ImcamWv. (cq] timsnbn ) ka-b-hy-xymkøn\v A\pkr se \S ph jsø se Xambn \nipxnbpss {]`mhw {]mcw` AUvPÃp \o n _m n sa piƒ bncp v in P&L am nhbv s \nipxn BkvXnIƒ In m S߃ pw kwibmkv]z IS߃ pw \nehmc BkvXnIƒ pap hibncpø C Poh\ mcpss B\pIqey߃ p hibncpø (12.72) a p h apx aps pifpss hnebnsnhpw EWtamN\hpw (19.46) samøw am nhbv s \nipxn BkvXnIƒ (0.65) am nhbv s \nipxn _m[yxiƒ ÿncbkvxnifnep hnebnsnhv 1.56 C 1.56 samøw am nhbv s \nipxn _m[yxiƒ 1.56 C 1.56 BsI am n hbv s \nipxn BkvXnIƒ / (_m[yxiƒ) (0.65) A u nwkv Ãm tu Uv 28: BkvXnIfpsS \mi\jvsw. _m v amt\pvsa ns A`n{]mbØn ""A u nwkv Ãm tu Uv 28 BkvXnIfpsS \jvsw'' _m[iam Ø hæw GsX nepw ÿmhc BkvXn v \mi\jvsßfp mbn n A u nwkv Ãm tu Uv 29: hibncpøepiƒ, _m[yxiƒ, BIkvanI _m[yxiƒ F nhbpss hnhcw. a. BIkvanI _m[yxiƒ pth nbp IcpXense am w (timsn cq]bn ) hnhcw \S p h jw ap h jw 2009 G{]n 1 se _m n \S ph jsø h \ C C \S ph jw D]tbmKn Xv/am nbxv C C 2010 am v 31 se _m n b. BIkvanI _m[yx _me kvjo nte sjuyqƒ 12, {Ia\º (i), (vi), (vii) F nhbntexpt]mep _m[yxiƒ bym{iaw, timsxnhn[n/b _nt{sj /timsxn p ]pdøp Xo v, A o Xo v, Xncn S m Bhiys Sp XpI, Icm hyhÿbnse _m[yxiƒ, _ s I niƒ D bn p Bhiyßfnt ep kw`mhyxiƒ F nhsb B{ibn ncn p p. c. _m n-s\-xnsc IS-ambn Aw-Ko-I-cn- -s -SmØ Ah-Imi-s -S-ep-I-fn _m v A o \ In-bn- p timsn cq]-bpss \nipxn Bh-iy-s -Sepw timsn-bpss timsxn hn[n]dbm-ø-xp-amb s bn-ap-iƒ D v. ta d- Xv amt\-pvsa ns A\p-am-\-Øn-ep \nk-a-\-ßfm-wv. F m CXn A -h-ømb henb _m[yx D m-im km[y-x-bn ÿnc BkvXnIƒ a) ÿe-øns hne {]txy-i-ambn e`y-a mxn\m ^vfm ns ImcyØn hmßnb bym - hne-bnemwv Ah-a-Xn- IW- m- n-bn-cn- p Xv. b) tã v _m v Hm^v C ybpssbpw a v Atkmkntb v _m pifpssbpw Iq mb DSaÿXbnep ÿnc BkvXnIfpsS samø aqeyw ({]nankkv Dƒs SmsX) cq timsn cq]bmwv (Ign h jw CXv timsn cp]bmbncp p). _m ns Hmlcn timsn cq]bmwv (Ign h jw CXv timsn cp]bmbncp p). 11. s]mcpøs SpØ-ep-Iƒ A imjm CS]mSpIƒ, tã v _m v Hm^v C ybnepw Atkmkntb v _m pifnepap A u piƒ, Khs v A u v, CS]mSpIƒ (ti{µw & kwÿm\w), {Um^v v t]b_nƒ A u v t\mkvt{sm A u piƒ, knãw kkvs] kv A u v, nbdnwkv a p AUvPÃnwKv A u piƒ F o A u piƒ s]mcpøs SpØepIfns hnhn[ L ßfnemWv. amt\pvsa ns A`n{]mb Øn CØcw shfns SpØepIƒ kmºøni hnhcwøn bmsxmcp hn[ønep {]k am ßfpw D m p n. 12. a p/a[ni shfns SpØepIƒ 12.1 IcpX hibncpøepifpssbpw BIkvanI snehpifpssbpw hnhc߃ (timsn cq]bn ) em`\jvsiw nse snehn\øn ImW ncn p IcpX hibncpø epifpssbpw BIkvanI snehpifp ssbpw hnt«jnx hnhc߃ i) \nt ]ßfpsS aqey bøn\p th nbp hibncpø (20.47) 35.56

111 111 ii) \njv{inb BkvXn p th nbp hibncpø iii) AÿnchIbncpØ iv) \nehmcap BkvXn p th nbp hibncpø v) BZmb\nIpXn p th nbp hibncpø * vi)a p IcpX hibncpøepifpw BIkvanI NnehpIfpw (hnizhnhcßtfmss) a) ]p\ LS\ snbvx \njv{inb BkvXnIfpsS Cfhv snbvx ]enibv p hibncpø (4.62) 4.22 b) ]p\ LS\ snbvx \nehmcap BkvXnIfpsS Cfhv snbvx ]enibv p hibncpø 7.68 (8.90) c) ]p\ LS\ snbvx \ymbhnebn Ipdhn\p hibncpø Non CDR d) a p hibncpøepiƒ e) iºf IpSn»nIbv p th nbp hibncpø f) B\pjwKnI em`\nipxn p hibncpø g) am nh \nipxn 0.65 (48.65) h) kzøp\nipxn samøw *FgpXnØ nb A[nIs\ v hibncpøemb timsn cq] Ign h jsøxmwv (ap h jw timsn cq]) 12.2 Aÿnc hibncpøepiƒ (cq] timsnbn ) hnhcww a) Aÿnc IcpX hibncpø IW nse {]mcw` _m n b) kmºøni h jøn Aÿnc IcpX hibncpøen\mbn am n h XpI C c) kmºøni h jw ]n hen XpI C d) Aÿnc IcpX hibncpø IW nse \o nbncp v \nt -]߃, hmbv]-iƒ, FIvkvt]m-j \njv{iob BkvXn-Iƒ F n-h-bpss (tim k )t{s-j (a) \nt -]-ß-fpsS Hcp-an- p-iq-s (cq]m timsn-bn ) hnhcww Ccp-]Xp henb \nt -]-I-cpsS samøw \nt -]-߃ Ccp-]Xv G hpw henb \nt -]-I-߃ samø \nt -]-Øns F{X i-x-am\w (cq] timsnbn ) (b) hmbv]-bpss Hcp-an- p-iq-s (cq]m timsn-bn ) hnhcww Ccp-]Xp henb hmbv]- m p samøw hmbv]-øpi samøw _m ns hmbv]-bn Ccp-]Xp henb hmbv]m CS-]m-Sp-Im-cpsS ] v ix-am-\-øn (c) tim k -td-j Hm^v FIvkvt]m-j (cq] timsn-bn ) hnhcww G hpw henb Ccp-]Xp CS-]m-Sp-Im-cpsS/hmbv]- m-cpss samøw FIvkvt]m-j 9, _m ns samøw FIvkvt]m-j-dn Ccp-]Xv G hpw henb CS-]m-Sp-Im p / hmbv]- m p FIvkvt]m-j ix-am-\- -W- n (d) \njv{inb BkvXn-I-fpsS Hcp-an- (cq]m timsn-bn ) hnhcww G hpw IqSnb \mep \njv{inb BkvXn A u- p-i-fpss samøw FIvkvt]m-j \njv{iob BkvXn-Iƒ hn`mkw Xncn v (cq]m timsn-bn ) \w. hn`mkw \njv{iob BkvXn Hcp -hn`m-kønse samøw hmbv]- bpss ix-am-\- -W- n Irjnbpw A\p-_ {]hr-øn-ifpw hyh-kmbw (kq- va, sndp-in-s, CS-Ø-cw, h InS Dƒs -ss) tkh\ hn`mkw hy n-kx hmbv]-iƒ \njv{inb BkvXn-I-fpsS KXn (cq]m tim-sn-bn ) hnhcw samøw \njv{iob BkvXn G{]n 1\v ({]m-cw-`-_m- n) \S- p-h jw (]p-xnb \njv{iob BkvXn-Iƒ) D]XpI: (A) Ipdhv (i) Db Ø-s BkvXn-Iƒ (ii) hkq-em- -s Xv (D-b Ø-s A u- p-iƒ Hgn-sI) (iii) Fgp-Xn-Ø- n-bxv D]-XpI (B) samøw \njv{inb BkvXn 31 am v ASpØ h jw (\o- n-bn-cp v (A-B))

112 112 RBI am \n t±i {]Imcw ap h jsø kwjyiƒ ho pw IW m nbn p v hntzi BkvXn-Iƒ, \njv{iob BkvXn-Iƒ hcp-am\w F nh hnhcw XpI (tim-sn-bn ) samøw BkvXn-Iƒ samøw \njv{iob BkvXn-Iƒ C samøw hcp-am\w Icp-X kwc- W A\p-]mXw hnhcw _m ns samøw \njv{iob BkvXn-I-fn-t -ep Icp-X _me kv jo n s]smø kvt]m k Uv SPVs Btbm-P\w snø-s SPV Xt±-iobw hntziw C C 12.9 ]cm-xn-i-fpss shfn-s -Sp-Ø A CS-]m-Sp-Im-cpsS ]cm-xn-iƒ a) h jm-cw-`-øn Xo m-imø ]cm-xn-i-fpss FÆw 33 b) Cu h jw kzoi-cn ]cm-xn-i-fpss FÆw 1483 c) \S- p-h jw ]cn-l-cn ]cm-xn-i-fpss FÆw 1478 d) h jm-h-km\w Xo m-imø ]cm-xn-i-fpss FÆw 38 B _m nwkv Hmw_p-Uvkvam ]mkm- nb hn[n a) h jm-cw-`-øn \S- m- mø \ymb-øo p-i-fpss FÆw C b) \S- p-h jw _m nwkv Hmw_p-Uvkvam ]mkm- nb \ymb-øo p-i-fpss FÆw C c) \S- p-h jw \S- n-em- nb \ymb-øo p-i-fpss FÆw C d) h jm-h-km\w \S- n-em- m ] mø \ymb-øo p-i-fpss FÆw C a p- h a) C ym Kh-s ns \n t±-i-{]-imcw se Im jni IS-߃ Fgp-Xn-Ø- p- -Xn\pw Bizmkw \ Ip- -Xn-\p-ap ] Xn (ADWDRS) ] Xn \S nem n. IS-߃ Fgp-Xn-Ø- p ] -Xn-b-\p-k-cn pw ISm-izmk ] -Xn-b-\p-k-cn pw In m-\p XpI bym-{iaw timsn cq]bpw timsn cq]-bp-am-wv. Cu XpI \mep Xh-W-I-fmbn Kh sa v \ Ip- -Xm-bn-cn- pw. AXn CXphsc timsn cq] aq p XhWIfmbn Xmsg dbpw {]Imcw e`n n p v. In nb XobXn XpI timsnbn BsI A l-x-bp I j-i-cn \n p Int - -Xmb XpI-bpsS Ct m-gsø aqey-øn-ep \jvs-øn\p axn-bmbn XpI hsc hi-bn-cp-øn-bn- p v (1.17 timsn cq]). C ym Kh-s v \ ti Xh-W-Iƒ v ]eni Xcm\pw Xocp-am-\n- n- p- v. Cubn-\-Øn e`n-t - -Xmb ]eni (5.05 timsn cq]) _m v AwKo-I-cn- p-ibpw, em`\jvs- -W- n Dƒs -Sp-Øp-Ibpw snbvxn- p- v. CXphsc _m n\v Sn IW n 2.37 timsn cq] e`n n p v. b) ssat{im, kvtamƒ, aounbw F ss{]kkv Uhe]vsa v BIvSv, 2006s Iogn hcp hnxcw mcpw tkh\ ZmXm fpw _ s A[nImcnIƒ v ka n s ts tcjiƒ kw_ n hnhc߃ \ Inbn n. BbXn\m Sn \nbaøns 22 mw `mkøn ]dbp hnhc߃ shfns SpØnbn n RBI bpss se k p No. DBOD.BP.BC.No. 133/ / {]Imcw 6.5 timsn cq] em`\ W nte v a v hcpam\w F hibn am ntn Øn p v. Cu XpI 2500 bp.-f-kv. tum-fdn\p Xpeyamb AXn Ipdthm D t\mkvt{sm A u- n am v 2002 hsc \n n-cp s{iun v F {Sokns samøw XpIbmWv _m v ]pds Sphn p set gvkv Hm^v Iw^ vkv (LoC) bpss shfns SpØepIƒ _tbgvkv {IUn v {]Imcw Cjyp snbvxv se Hm^v Iw^ pifpss hnhcw Xmsg dbp p. cq] timsnbn t^m hm Uv FIvkvtN v IcmdpIƒ _m n\n p XpI cq timsn

113 _m v Ajpd kv _nkn\kn \n pw e`n ^okv / {]Xn^ew _m v Ajzd kn \n pw _m n\v Xmsg dbp ^okv/ {]Xn^ew \S ph jw e`n p. (cq] timsnbn ) {I. hcpam\øns kz`mhw kw. 1. sse^v C jzd kv hn \bn \n v a p C jzd kv hn \bn \n v ayq p ^ v hn \bn \n v a p h Fkv._n.sF ImUvkv _m v 2008 Unkw_ apx 2009 Pq hsc Hcp hntijm `h\ hmbv]m ] Xn \S nem n. {]kvxpx ] Xn {]Imcw H ØhW {]oanbøm `h\ hmb]m Imemh[n Ignbp Xphsc hmbv] FSpØn p CS]mSpIcpsS Poh C jz snøp ] Xnbmbncp p. CXn \n pw e`n samøw timsn cq] hmbv]m Imemh[nbpsS icmicnbn IW m nbxn {]Imcw {]oanbøns ]Ønsem v `mkw em`\ W n tn Øncn p p ap h jsø kwjyiƒ Bhiym\pkcWw ]p\ {IaoIcn n p v. Paoem {]Imiw su]yq n P\-d amt\-p ([-\-Im-cyhpw A u pifpw) imizx Nu[cn P\-d amt\-p ({Sjdn) Fkv _men{µ No^v P\-d amt\-p F si PK my amt\-pnwkv Ub-d-IvS H ]n ` v snb am Ub-d-IvS am si kn _tµym]m ymbv Fkv F XnΩø _n Fkv tkm]meirjvw si XmWp ]n Kym Nµv ]n]mcm F tkxpam[h ]n hn\mbkw CtX Xob-Xn-bn Rß-fpsS dnt m n ]d- n- p- -Xp-t]mse HmUn- am t{]w Kp]vXm B Uv tkmum\n B Uv Iº\nbv v th n Iº\nbv v th n Nm t Uv A u- vkv Nm t Uv A u- vkv A\n Ipam Kp]vX cmtpjv tkmum\n ] mfn ] mfn AwKXz kwjy AwKXz kwjy F^v B F F F^v B F kn kmlm KmwKpen B Uv cma\myw B Uv spbn B Uv Atkmkntb vkn\p th n dmhphn\v th n spbn\n\p th n Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv kao Ipam kmlm kn. Imtaizc dmhp \ncrvp Fw. spbn ] mfn ] mfn ] m-fn AwKXz kwjy AwKXz kwjy AwKXz kwjy F^v B F C F^v B F Fkv F^v B F U_vfyp timgnt msv, 23 G{]n 2010

114 am v 31 \v Ah-km-\n h jsø ]W-{]-hm-l-hn-h-c-W- p-dn v tã v _m v Hm^v {Smh Iq \v kam-]n h jw (cq] BbncØn ) \v kam-]n h jw (A) {]h Ø\ CS-]m-Sp-I-fn \n p ]W-{]-hmlw ( ) (B) apx aps v CS-]m-Sp-I-fn \n p ]W-{]-hmlw ( ) ( ) (C) kmº-øni CS-]m-Sp-I-fn \n p ]W-{]-hmlw ( ) ( ) ]W-Ønepw ]W-Xpey CS-]m-Sp-I-fn-ep-ap samøw am w (F+_n+kn) ( ) (D) h jm-cw-`-øn-ep ]W-hpw ]W-Xp-ey-Im-cy-ßfpw (E) h jm- y-øn-ep ]Whpw ]W-Xp-ey-Im-cy-ßfpw (F+_n+kn+Un) A. {]h Ø\ CS-]m-Sp-I-fn \n p ]W-{]-hmlw \S ph jsø A mzmbw Iq pi: hcpam\ \nipxn pw iºtfxc hcpam\\nipxn pw th nbp hibncpø a p \nipxniƒ v th nbp hi-bn-cp-ø am nh \nipxniƒ ( ) \nip-xn p apºp A m-zmbw {Iao-I-c-W-߃ : aqey- b \nc- p-iƒ \njv{inb BkvXn-Iƒ p-th- n-bp hi-bn-cp-ø \ne-hmc BkvXn-Iƒ p-th- n-bp hi-bn-cp-ø 0 0 ap-x- aps- p- -I-fn ta-ep aqey- bw ( ) ap-x- aps- ns ]p\ aqey\n ÆbØn ta em`w/\ w a p Icp-X-ep-Iƒ \S ph jw FgpXnX nb am nhbv s dh\ypsnehpiƒ 0 0 A\p_ ÿm]\ßfn \n p em` hnlnxw 0 0 (\nt ]ßfnt ) \qx\ imizx EW C kv{spsa piƒ v \ Inb ]eni A Snb II t_m piƒ v \ Inb ]eni Fkv.-_n.-Sn t_m piƒ v \ Inb ]eni Ipd-bv pi : {]Xy- -\n-ip-xn-iƒ D]-XpI {Iao-I-c-W-߃ : \nt -]-ß-fnse h [\/(Ipdhv) ISw hmß-ep-i-fnse h [\/(Ipdhv) ( ) apx ap-s- p-i-fnse (h [\)/Ipdhv ( ) ( ) hmbv]-i-fnse (h [\)/Ipdhv ( ) ( ) a p _m[y-x-i-fnepw hi-bn-cp-ø-ep-i-fn-ep-ap h [\/(Ipdhv) ( ) a p BkvXn-I-fn-ep (h [\)/Ipdhv ( ) {]h Ø\ \S-]-Sn-I-fnse samøw ]Ww ( ) B. apx ap-s- v CS-]m-Sp-I-fn \n p ]W-{]-hmlw A\p_ ÿm]\ßfnse \nt ]w 0 0 Ahbn \n p hcpam\w 0 0 ÿnc BkvXn-Iƒ ( ) ( ) apx ap-s v CS-]m-Sp-Iƒ p-]-tbm-kn samøw cq]m ( ) ( )

115 \v kam-]n h jw \v kam-]n h jw C. kmº-øni CS-]m-Sp-I-fn \n p ]W{]hmlw Hmlcn aqe[\w 0 0 Hmlcn {]oanbw 0 0 \qx\ imizx EW C kv{spsa pifpss ]pds Sphn 0 0 A Snb II t_m piƒ ]pds Sphn 0 0 kt_m Un-t\ Uv t_m p-iƒ ]pd-s -Sp-hn- 0 0 IPDI t_m piƒ as n \ InbXv 0 0 A Snb II t_m piƒ as n \ InbXv 0 0 kt_m Un-t\ Uv t_m p-iƒ as n \ InbXv ( ) 0 \thmt j ÿnchmbv]m C kv{spsa piƒ v \ Inb ]eni ( ) ( ) A Snb II t_m piƒ v \ Inb ]eni ( ) ( ) t_m p-iƒ v \ Inb ]eni ( ) ( ) \ Inb em`hnlnxw ( ) ( ) kmº-øni CS-]m-Sp-I-ƒ v \ Inb samøw ]Ww ( ) ( ) D. h jm-cw-`-øn-ep ]Whpw ]W-Xp-ey-Im-cy-ß-fpw i) ssih-i-ap ]Ww (hn-tzi Id kn t\m pifpw kz Æhpw Dƒs -ss) ii) dnk hv _m n-s ssih-i-ap _m n iii) _m n-ep- _m nbpw Bh-iy-s -Sp-tºmgpw {lkz-ime kqn-\-bnepw e`n- p ]Whpw E. h jm- y-øn-ep ]Whpw ]W-Xp-ey-Im-cy-ßfpw i) ssih-i-ap ]Ww (hn-tz-i -Id kn t\m pifpw kz Æhpw Dƒs -ss) ii) dnk hv _m ns ssih-i-ap _m n iii) _m n-ep- _m nbpw Bh-iy-s -Sp-tºmgpw {lkz-ime kqn-\-bnepw e`n- p ]Whpw Paoem {]Imiw su]yq n P\-d amt\-p ([-\-Im-cyhpw A u pifpw) Ub-d-IvS am si kn _tµym]m ymbv Fkv F XnΩø _n Fkv tkm]meirjvw si XmWp ]n Kym Nµv ]n]mcm F tkxpam[h ]n hn\mbkw CtX Xob-Xn-bn Rß-fpsS dnt m n ]d- n- p- -Xp-t]mse HmUn- am t{]w Kp]vXm B Uv tkmum\n B Uv Iº\nbv v th n Iº\nbv v th n Nm t Uv A u- vkv Nm t Uv A u- vkv A\n Ipam Kp]vX cmtpjv tkmum\n ] mfn ] mfn AwKXz kwjy AwKXz kwjy F^v B F F F^v B F kn kmlm KmwKpen B Uv cma\myw B Uv spbn B Uv Atkmkntb vkn\p th n dmhphn\v th n spbn\n\p th n Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv kao Ipam kmlm kn. Imtaizc dmhp \ncrvp Fw. spbn ] mfn ] mfn ] m-fn AwKXz kwjy AwKXz kwjy AwKXz kwjy F^v B F C F^v B F Fkv F^v B F U_vfyp timgnt msv, 23 G{]n 2010 imizx Nu[cn P\-d amt\-p ({Sjdn) Fkv _men{µ No^v P\-d amt\-p F si PK my amt\-pnwkv Ub-d-IvS H ]n ` v snb am

116 116 +x S 18 ± J  EÚ ]ı{{ h ƒ 1. { ƒv { ƒv { «{i i +x { i Æi Æ W «ÈEÚ u Æ V Æ k Æ h  B n x nê  E Ú + v Æ { Æ ÈEÚ E Ú x v «Æ h E Ú +x Æ { ƒv V J Æ i + Œ i +x { i x x {  { Æ EÚ ± i EÚ M ΩË * B. ± - I E Ú +x Æ i) { ƒv V J Æ i + Œ i +x { i ( + Æ B + Æ ) 11.89% 12.13% ii) { ƒv V J Æ i + Œ i +x { i - ]ı Æ I 8.00% 7.43% iii) { ƒv V J Æ i + Œ i +x { i - ]ı Æ II 3.89% 4.70% iv) Æ i Æ EÚ Æ E Ú Æ v Æ h EÚ i i E ÚUÙ x Ω E ÚUÙ x Ω v) π «E Ú n ËÆ x + < { b + < E Ú x M «u Æ Ãv i Æ - E ÚUÙ x Ω vi) π «E Ú n ËÆ x +{{ Æ ]ı Æ II ± J i  E Ú x M «u Æ Ãv i Æ - E ÚUÙ x Ω. ± - II E Ú +x Æ Æ i Æ W «ÈEÚ E Ú i «x M «x nê  E Ú +x Æ ÈEÚ x { ƒv { «{i i f S  { Æ Ãi i Ω M * ÈEÚ V J E Ú ± B x EÚ EfiÚi o Œπ]ıEÚ h W Æ V J E Ú ± B x EÚ EfiÚi o Œπ]ıEÚ h ± - II E Ú +xi M «i x x i { ƒv E Ú { Æ EÚ± x EÚ + Æ { Æ S ± x i EÚ V J E Ú ± B ± E Úi EÚ o Œπ]ıEÚ h EÚ +{ x * E Ú +x Æ EÚ{ h «x x i { ƒv M h x ± II Ú E«Ú EÚ l x xi Æ h EÚÆ i Ω B Æ i Æ V «ÈEÚ x ± -I Ú E«Ú ± II Ú E«Ú EÚ x «v { Æ M x EÚÆ x E Ú ± B x x i { ƒv { Æ EÚ{ h «V n Æ l { i EÚ ΩË * Æ i Æ V «ÈEÚ E Ú n x nê  E Ú +x B V Æ V J Ω i ± I Ú E«Ú E Ú +x Æ x x i { ƒv EÚ x v «Æ i i i x B Æ J x EÚ +{ I ΩË * k π «S «2010 E Ú ± B V Æ V J EÚ ± I Ú E«Ú E Ú +x Æ { Æ EÚ ± i x x i { ƒv +{ I E Ú i i E Ú {  EÚ{ h «x x i { ƒv 80% ΩË * E Ú +x Æ EÚ{ h «x x i { ƒv EÚx x S n M ΩË GÚ. Æ h (Ø { EÚÆ c Â) i) ± -I E Ú +x Æ E Ú± V J Æ i + Œ i ƒ 36, ii) ± -I E Ú +x Æ x x i { ƒv Æ J V B (1) x 9% 3, iii) EÚ { h «x x i ( ± -I Ú E«Ú E Ú +x Æ x x i { ƒv +{ I EÚ 80%) (2) x 80% 2, iv) E Ú +x Æ { ƒv x v 4, v) EÚ { h «x x i { ƒv + i Æ HÚ { ƒv Æ J V B 1, Æ i Æ V «ÈEÚ u Æ x v «Æ i E Ú +x Æ ÈEÚ x EÚ { h «x x i { ƒv EÚ +x { ± x EÚ ΩË * i) { ƒv V J Æ i + Œ i +x { i ( + Æ B + Æ ) 13.74% 14.03% ii) { ƒv V J Æ i + Œ i +x { i ]ı Æ % 8.59% iii) { ƒv V J Æ i + Œ i +x { i ]ı Æ -1I 4.50% 5.44% ( v x u Æ EÚ ± i i l ± J { Æ I EÚ Â { Æ Æ Æ J ΩË *)

117 117 ) M + ËÆ Œ ± J i ]ı Æ 1/ ]ı Æ 11{ ƒv E Ú {  g B M B* Æ h V Æ π «EÚ ± V n Æ Æ EÚ Æ EÚ % M GÚ V Ω x GÚ VI Ω x GÚ VII Ω x GÚ VIII Ω x GÚ IX Ω x GÚ X Ω x {{ Æ ]ı Æ II ƒb Ω x {{ Æ ]ı Æ II ƒb Ω x x x π ± J i ( ]ı Æ 1 { ƒv ) GÚ l GÚ 1I l E Ú± x n x EÚ ± i. x EÚ EÚ± ± (EÚ) Æ i  (J ) Æ i E Ú Ω Æ E ÚUÙ x Ω ii. P ]ı x : ± ø Ω i v x (EÚ) Æ i  (J ) Æ i E Ú Ω Æ E ÚUÙ x Ω E ÚUÙ x Ω iii. x EÚ x ± ± (EÚ) Æ i  (J ) Æ i E Ú Ω Æ E ÚUÙ x Ω 2. x { Æ ± ø E Ú ± B Æ J M B v x  EÚ =i Æ -S g i) +l π (1 + ˱ E Ú +x Æ ) ii) V c B: π «E Ú n ËÆ x EÚB M B v x E ÚUÙ x Ω iii) π «E Ú n ËÆ x + i Æ HÚ v x  EÚ EÚ { x Æ EÚx E ÚUÙ x Ω iv) P ]ı x : π «E Ú n ËÆ x ] ı] ı J i  ± J v) < i π (31 S «E Ú +x Æ )

118 Æ i Æ V «ÈEÚ E Ú n x nê  E Ú +x Æ ÈEÚ P Æ ± EÚ± x { ]ı«ú ±  i x M Á  M EfiÚi EÚ M ΩË * i EÚ EÚ M EÚÆ h x S n M ΩË * (Ø. EÚÆ c Â) M EÚÆ h Æ % Æ % { Æ { C i Ω i v Æ i BS ]ı B GÚ Ω i ={ ± v B B Ú B { Æ Ω i v Æ i BS B Ú ]ı E Ú± EÚi + v EÚi i Æ 25% E Ú i x ± ƒm B n i EÚ 23.02% x EÚ ± x { Æ i i i E Ú {  P Æ ± BS ]ı B i i ƒ* 2.2 π « E Ú n ËÆ x Æ { ± x n x : Æ h Æ { E Ú +xi M «i S M <«i i ƒ i ± Æ { E Ú +xi M «i J Æ n M <«i i ƒ x B± BB Ú x B± BB Ú π «E Ú n ËÆ x x x i EÚ π «E Ú n ËÆ x + v EÚi EÚ π «E Ú n ËÆ x në x EÚ + Ë i EÚ 31 S «2010 EÚ EÚ E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω (E ÚUÙ x Ω ) (E ÚUÙ x Ω ) (E ÚUÙ x Ω ) (E ÚUÙ x Ω ) E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω (E ÚUÙ x Ω ) (750.00) (30.41) (E ÚUÙ x Ω ) E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω (E ÚUÙ x Ω ) (E ÚUÙ x Ω ) (E ÚUÙ x Ω ) (E ÚUÙ x Ω ) E ÚUÙ x Ω (E ÚUÙ x Ω ) ( ) (43.19) (150.00) x ]ı: EÚ π`ˆeú  n B M B + EÚc { UÙ± π «v i ΩÈ * (Ø. EÚÆ c Â) 2.3 M ËÆ B B± + Æ x M i) E Ú +x Æ M ËÆ B B± + Æ x  EÚ V Æ EÚi «P ]ıx GÚ EÚ V Æ EÚi «Æ x V x V x EÚ j i i  x O b EÚ EÚ i i  n Æ x v «Æ i x EÚ M EÚ (Ø. EÚÆ c Â) i i  + S M i EÚ «V x EÚ I j E Ú ={ GÚ (60.01) (34.45) (1.50) (40.29) (35.77) 2. k l Bƒ ( ) (935.71) (25.31) (24.20) 3. ÈEÚ (254.78) (40.18) (3.82) (0.00) 4. x V EÚ ÏÆ { Æ ]ı (175.41) (18.37) (1.37) (175.30) (19.27) 5. +x π M B HÚ =t 6. +x (0.24) (0.24) (0.24) (0.24) 7. ± ø E Ú ± B Æ J v x (70.90) E Ú± ( ± ø EÚ x ± ) ( )( ) (2.87) (244.96) (79.48) x ]ı: EÚ π`ˆeú  n B M B + EÚc M i π «Œxv i ΩÈ ii) E Ú +x Æ M ËÆ x π{ n i M ËÆ -B B± + Æ x : (Ø. EÚÆ c Â) Æ h Æ +l π 2.50 (2.65) 1 + ˱ 2009 π «E Ú n ËÆ x { Æ v «x E ÚUÙ x Ω (E ÚUÙ x Ω ) =HÚ + v E Ú n ËÆ x EÚ]ı Ëi 0.99 (0.15) < i π 1.51 (2.50) v Æ i E Ú± v x 1.51 (2.50) x ]ı: EÚ π`ˆeú  n B M B + EÚc { UÙˆ± π «Œxv i ΩÈ * 2.4 ± n x EÚ ± J x i { Æ n x EÚ ± J x i E Ú ± J x i h ±  { Æ i «x EÚ EÚ Æ h EÚ GÚ EÚ M <«Æ EÚ Æ i i  EÚ Æ Ø EÚÆ c i l EÚÆ c EÚ J b i + v V S ± π «E Ú n ËÆ x { Æ EÚ ± i EÚ M ΩË *

119 π «E Ú n ËÆ x ÈEÚ x E Ú{ x + x ± Ë{ E Ú EÚ Æ h Ø EÚÆ c EÚ Ω x ={ M i EÚ ΩË * Ω W M E Ú ± B b Æ ]ı =i{ n Æ i Æ W «ÈEÚ E Ú n x nê  E Ú +x Æ =HÚ ± B Ω x ± J { Æ i EÚ M ΩË * 3. i{ z : 3.1 V n Æ x / n n Æ EÚÆ Æ / EÚ±{ Ø { / Ú ÏÆ C + v Æ i (Ø. EÚÆ c Â) Æ h Ø { + v Æ i Ú ÏÆ C + v Æ i i. Ë{ EÚÆ Æ EÚ + x x EÚ ± v x V n Æ Ë{ E Ú{ x + x ± Ë{ ii. Ω x ƒ V ={ M i EÚ V B M n EÚ =]ıæ { ]ı EÚÆ Æ Â +{ x n i x x  + Ú± Æ Ω i ΩË * iii. x Â Ω x ± ÈEÚ u Æ +{ I i { à EÚ E ÚUÙ x Ω E ÚUÙ x Ω iv. x Â Ω x V J EÚ E Úxp h E ÚUÙ x Ω E ÚUÙ x Ω v. x { i EÚ EÚ = S i ± (5.98) (10.29) ( v x x x «i EÚ Â {i h { j E Ú + v Æ { Æ {{ z ± x n x EÚ ΩË *) B) ÈEÚ x V n Æ V J ]ı Æ II hb S Ω i V n Æ x (E Ú{ x + x ± Ë{ )  EÚ ΩË * π «E Ú n ËÆ x { Æ Ω i EÚ EÚ Æ EÚ x ± x n x x Ω Ω + ΩË * ) V n Æ x (SWAP) i { x E Ú +xi M «i ΩË* ) S (Ω W ) E Ú ± B { Æ { C i { «v EÚ Æ n i + v EÚ x Ω g ΩÈ + ËÆ EÚ EÚ Æ E Ú ± x n x  E Ú ± B n I i / EÚ x Ω ΩË * b ) E Ú{ x + x ± Ë{ {i x i n Æ V V { x x + ËÆ Æ i Ø { B  i l 1% E Ú{ E Ú l BEÚ π «E Ú ± B (EÚ i Ω i ) V { x x ± Æ Â n Æ Ω ΩÈ * <«) ÈEÚ x x n E Ú ± B EÚ <«{ à EÚ i i x Ω EÚ ΩË * B Ú) π «E Ú n ËÆ x EÚB M B n n Æ EÚÆ Æ EÚ <«@Òh V J EÚ E Úxp EÚÆ h x Ω =i{ z Ω + ΩË * V ) π «E Ú n ËÆ x EÚ <«n n Æ EÚÆ Æ ± x n x x Ω EÚ M * 3.2 x { Æ V n Æ i{ xx (Ø { B Ú ÏÆ C ) GÚ EÚ Æ h Æ i) π «E Ú n ËÆ x EÚB M B x { Æ V n Æ i{ z EÚ + x x EÚ ± v x Æ E ÚUÙ x Ω ii) 31 S «2010 E Ú +x Æ x { Æ V n Æ i{ z EÚ + x x EÚÚ ± v x Æ E ÚUÙ x Ω iii) x { Æ V n Æ i{ z EÚ + x x EÚ ± v x Æ B +i v EÚ x Ω E ÚUÙ x Ω iv) x { Æ V n Æ i{ z E Ú W Æ ± EÚ E«Ú EÚ B +i v EÚ x Ω E ÚUÙ x Ω 3.3 C±{ EÚ) O Ω EÚ Â EÚ n M EÚ±{ W Æ Â n i Æ Ú { Æ EÚ M * J ) n x EÚ EÚ Úb <«n Æ B + EÚi n Æ { Æ {i EÚ EÚ±{ E Ú + x x EÚ ± v x Æ EÚ + i EÚ i x x EÚi ΩË * (Ø. EÚÆ c Â) Æ h + i ± + EÚi ± EÚ±{ n 9.36 E ÚUÙ x Ω 0.28 E ÚUÙ x Ω 3.4 i{ k   V J BC { W Æ { Æ EÚ]ı EÚÆ h EÚ) M h i EÚ EÚ]ı EÚÆ h i) ÈEÚ i{ z { Æ x Ω EÚÆ Æ Ω ΩË * = EÚ ={ M E Ú ± i Æ I =q l «EÚ V Æ Ω ΩË * i Æ I EÚ + v Æ B i Æ I ± J i EÚ { Ω S x ={ M EÚi «M u Æ EÚ V i ΩË * i Æ I { r i, x n EÚ hb ± EÚ EÚ «EÚ Æḣ i u Æ +x n i ΩË * ={ M EÚi «M u Æ { Æ EÚ x π{ n x B x M Æ x EÚ V i ΩË * ii) V J ={ B x M Æ x E Ú Ø { Â, i Æ I ± J i + v EÚ +xi Æ ±  { Æ W Æ EÚ S øi EÚ V i ΩË i EÚ < EÚ ± i x Œ S i EÚ V E Ú* iii) + v Æ EÚ { Ω S x EÚÆ x, n Æ n x ± + i Æ EÚ i Æ I E Ú ± B i{ z x V i EÚÆ x i l V n Æ { «± EÚx { Æ + v Æ i ± i EÚ I EÚÆ x V J x x EÚÆ h  E ÚUÙ GÚ B ΩÈ * iv) i Æ I ± x n x EÚ { Æ EÚ± x ={ S + v Æ { Æ EÚ V i ΩË * i Æ I ± x n x Ω x E Ú EÚ Æ h W Æ EÚ EÚ <«S ø EÚx x Ω EÚ V i * i l {, = S i ± B i { I S EÚ EÚ Œ l i  i & Ω x ± Ω x EÚ EÚ]ı EÚ V i ΩË * + xi Æ EÚ { x B M B EÚ =h]ıæ { ]ı x x n hb E Ú V J EÚ EÚ EÚ V i ΩË *

120 120 J ) j i EÚ EÚ]ı EÚÆ h Ø { / Ú Æ C + v Æ i (Ø. EÚÆ c Â) GÚ. Æ h p n Æ i{ z i{ z (+ x x EÚ ± v x Æ ) EÚ) i Æ I Ω i E ÚUÙ x Ω E ÚUÙ x Ω J ) { Æ Ω i E ÚUÙ x Ω E ÚUÙ x Ω 2. W Æ Œ l i  EÚ S øi EÚ) + Œ i (+) E ÚUÙ x Ω E ÚUÙ x Ω J ) n i (-) E ÚUÙ x Ω E ÚUÙ x Ω BC { V Æ E ÚUÙ x Ω E ÚUÙ x Ω 4. i{ z i Æ I { Æ V n Æ Â BEÚ i i { Æ i «x EÚ i (100* { 01) E ÚUÙ x Ω E ÚUÙ x Ω EÚ. {{ z i I { Æ E ÚUÙ x Ω E ÚUÙ x Ω J. { Æ i Æ I { Æ E ÚUÙ x Ω E ÚUÙ x Ω 5. π «E Ú n ËÆ x I i 100* { 01 EÚ + v EÚi B x x i E ÚUÙ x Ω E ÚUÙ x Ω EÚ) i Æ I { Æ E ÚUÙ x Ω E ÚUÙ x Ω J ) { Æ { Æ E ÚUÙ x Ω E ÚUÙ x Ω Ú ÏÆ C + v Æ i (Ø. EÚÆ c Â) GÚ. Æ h V n Æ i{ z i{ z (+ x x EÚ ± v x Æ ) EÚ) i Æ I Ω i J ) { Æ Ω i E ÚUÙ x Ω E ÚUÙ x Ω 2. W Æ Œ l i  EÚ S øi EÚ) + Œ i (+) E ÚUÙ x Ω E ÚUÙ x Ω J ) n i (-) (5.98) (10.29) BC { V Æ i{ z i Æ I { Æ V n Æ Â BEÚ i i { Æ i «x EÚ i (100* { 01) EÚ. {{ z i I { Æ J. { Æ i Æ I { Æ E ÚUÙ x Ω E ÚUÙ x Ω 5. π «E Ú n ËÆ x I i 100* { 01 EÚ + v EÚi B x x i EÚ) i Æ I { Æ 0.07/ /9.78 J ) { Æ { Æ E ÚUÙ x Ω E ÚUÙ x Ω ( v x u Æ EÚ =]ıæ { ]ı ÈEÚ x B..+ < {i S x E Ú + v Æ { Æ EÚ]ı EÚÆ h i Ë Æ EÚ M ΩË *) 4 + Œ i EÚ Æ 4.1 M ËÆ x π{ n i + Œ i (Ø. EÚÆ c Â) n i) x ± + O  EÚ x ± Bx { B 0.91% 0.58% ii) Bx { B ( EÚ± )  =i Æ -S g B) Æ EÚ π ) π «E Ú n ËÆ x { Æ v «x ) π «E Ú n ËÆ x EÚ]ı Ë i ƒ b ) < i π iii) x ± Bx { B EÚ±  =i Æ -S g B) Æ EÚ π ) π «E Ú n ËÆ x { Æ v «x ) π «E Ú n ËÆ x EÚ]ı Ë i ƒ b ) < i π * iv)bx { B E Ú v x  =i Æ -S g ( x EÚ + Œ i  EÚ UÙ c EÚÆ v x ) B) Æ EÚ π ) π «E Ú n ËÆ x EÚB M B v ) + i Æ HÚ v x EÚ ] ı] ı J i b ± x ( ] ı] ı J i E Ú ± B HÚ) b ) + i Æ HÚ v x /EÚ { x Æ EÚx { « <) < i π * x ± Bx { B EÚ < i π Ø EÚÆ c (Ø EÚÆ c ) =M Ω x Ω x { Æ V EÚ]ı Ëi E Ú n {i Ω + ΩË * 2. M ËÆ x π{ n i + Œ i  { Æ {i EÚÆ x E Ú =q, <«V {i n x ± Bx { B EÚ EÚB V i ΩÈ * π «E Ú n ËÆ x +x V «EÚ + Œ i Â Ø EÚÆ c i l { x M «`ˆi J i  (M ËÆ b + Æ ) Ø EÚÆ c E Ú = S i ±  EÚ E Ú v x EÚ Œ ± i EÚÆ v x EÚB M B ΩË * 4. M i π «E Ú + EÚc Æ i Æ W «ÈEÚ E Ú n x nê  E Ú +x Æ { x & i Ë Æ EÚB M B ΩË *

121 π «E Ú n ËÆ x { x M «`ˆx E Ú +x + Œ i  E Ú Æ h : Ø. EÚÆ c  { x M «`ˆi J i  E Ú Æ h b + Æ B B <«+x l EÚ i j { x M «`ˆx EÚÆ x x EÚ + O  =v Æ EÚi «+  EÚ { x M «`ˆx EÚ J EÚ Æ P ]ı (= S i ±  EÚ ) ={ x EÚ =v Æ EÚi «+  + O  EÚ J E ÚUÙ x Ω E ÚUÙ x Ω 19 E ÚUÙ x Ω 20 E ÚUÙx Ω EÚ { x M «`ˆx EÚ Æ E ÚUÙ x Ω E ÚUÙ x Ω 0.52 E ÚUÙ x Ω 0.27 E ÚUÙx Ω P ]ı (= S i ±  EÚ ) E ÚUÙ x Ω E ÚUÙ x Ω 0.03 E ÚUÙ x Ω 0.01 E ÚUÙx Ω n Mv =v Æ EÚi «+  + O  EÚ J EÚ { x M «`ˆx EÚ Æ P ]ı (= S i ±  EÚ ) E Ú± =v Æ EÚi «+  EÚ J EÚ Æ P ]ı (= S i ±  EÚ ) Œ i { x Ãx «h E Ú ± B i i EÚÆ h /{ x Ãx «h E Ú{ x EÚ S M <«k + Œ i  E Ú Æ h (Ø. EÚÆ b Â) Æ h i) J i  EÚ J E ÚUÙ x Ω 3 ii) B /+ Æ / ÈEÚ Â EÚ S M B J i  EÚ E Ú± ± ( v x  EÚ x ± ) E ÚUÙ x Ω #45.33 iii) E Ú± i Ú ± E ÚUÙ x Ω $18.63 iv) { «π Á  + i Æ i J i  E Ú Æ Â {i + i Æ HÚ i Ú± E ÚUÙ x Ω E ÚUÙ x Ω v) r Ω ± { Æ E Ú± ± /Ω x E ÚUÙ x # 2 J i (B ) EÚÆ c $ 3.00 EÚÆ 3.00 EÚÆ c (+) 1 J i (Bx { B) EÚÆ c EÚÆ c EÚÆ c (-) 4.4 S /J Æ n M <«+x V «EÚ k { Æ { k  E Ú Æ h : B. J Æ n M <«+x V «EÚ k { Æ { k  E Ú Æ h (Ø. EÚÆ b Â) Æ h (EÚ) π «E Ú n ËÆ x GÚ EÚB M B J i  EÚ J E ÚUÙ x Ω E ÚUÙ x Ω (J ) E Ú± EÚ E ÚUÙ x Ω E ÚUÙ x Ω 2. (EÚ) <x Â, π «E Ú n ËÆ x { x M «`ˆi J i  EÚ J E ÚUÙ x Ω E ÚUÙ x Ω (J ) E Ú± EÚ E ÚUÙ x Ω E ÚUÙ x Ω. S M <«+x V «EÚ k { Æ { k  E Ú Æ h (Ø. EÚÆ b Â) Æ h (EÚ) S M B J i  EÚ J E ÚUÙ x Ω E ÚUÙ x Ω 2. (J ) E Ú± EÚ E ÚUÙ x Ω E ÚUÙ x Ω 3. (EÚ) E Ú± {i E ÚUÙ x Ω E ÚUÙ x Ω 4.5 π «E Ú ± B x EÚ + Œ i  { Æ v x Æ h x EÚ + Œ i  E Ú ± B π «E Ú n ËÆ x EÚ M v x E ÚUÙ x Ω E ÚUÙ x Ω x EÚ + Œ i  E Ú ± B v Æ i S i v x (i ± x { j EÚ +x S -5  +x n i  B v x  E Ú +v x Œ ± i ) EÚ Æ Æ +x { i (Ø. EÚÆ b Â) Æ h i) EÚ «EÚ Æ x v   V + EÚ i i i ii) EÚ «EÚ Æ x v   M ËÆ - V + EÚ i i i iii) EÚ «EÚ Æ x v   { Æ S ± x ± EÚ i i i iv) + Œ i  { Æ v) EÚ Æ Æ i EÚ «S Æ (V Æ ƒ + + O ) (Ø. EÚÆ c Â) vi) i EÚ «S Æ ± (Ø. EÚÆ c Â)

122 122 6) + Œ i n i v x + Œ i  B n i +  E Ú EÚ i { n  EÚ { Æ { C i { E Ú +x Æ { Æ { C i { (Ø. EÚÆ c Â) Ω 6 Ω 1 π «3 π «5 π «V c n x 7 n x  + v EÚ + v EÚ n x 14 n x 28 n x 3 Ω B 6 B + v EÚ B + v EÚ B + v EÚ i EÚ Ω 1 π «3 π «5 π «V Æ ƒ + O x =v Æ n p + Œ i ƒ n p n i Bƒ i EÚ i EÚ i EÚ i EÚ (154.81) (928.88) ( ) (286.90) ( ) ( ) ( ) ( ) ( ) ( ) ( ) (57.31) (343.85) (401.18)( ) ( ) ) ( ) ( ) ( ) ( ) ( ) (113.77) (714.94) - (132.26) (565.01) (88.38) (464.71) ( ) ( ) ( ) ( ) (10.53) (3.86) (63.83) (74.46) (646.74) (8.10) ( ) ( ) (46.63) ( (326.44) (0.42) (93.50) (52.39) (182.11) (161.64) (126.48) (28.43) ( ) (11.53) (69.18) (80.73) (21.27) (117.22) (191.15) (420.03) (373.72) (13.04) (0.00) ( ) (EÚ π`ˆıeú   n B M B + EÚc M i π «v i ΩÈ *) x ]ı: (={ «HÚ + EÚc EÚ EÚ± x EÚÆ x { Æ. Æ. È. M «x nê  + ËÆ CEÚ± x E Ú +x Æ xv x u Æ E ÚUÙ +x x EÚ M ΩË i l ± J { Æ I EÚ Â { Æ Æ Æ J ΩË *) 7. BC { W Æ 7.1 l Æ { n I j EÚ BC { W Æ EÚ. i I BC { W Æ (Ø. EÚÆ c Â) i) Æ Ω <«v EÚ v EÚ u Æ Æ Ω <«{ k { { h «i & Æ I i ΩË, S Ω =v Æ EÚi «x EÚ V EÚ ΩË = EÚ Ω EÚÆ B EÚ Ω * ( l EÚi {i + O   ± EÚÆ x E Ú ± B { j HÚM i  EÚ +± M n «V B) ({ B B± ({ B B± ) ) ii) h ŒV EÚ l Æ { n v EÚ u Æ h ŒV EÚ l Æ { n, (EÚ «± x, Ú]ıEÚÆ V M Ω, Ω =q h ŒV EÚ { Æ Æ, Ω E Ú] ı + x, Ω EÚ i EÚ Æ h ŒV EÚ { Æ Æ, =t M ± M n V M Ω, Ω ]ı±, + v O Ω h, EÚ B x «h <i n ) u h Æ I i ΩÈ * BC { W Æ M ËÆ x v + v Æ i (Bx B Ú ) EÚ ± EÚÆ M * iii) v EÚ + v Æ i i i   x (B B ) i l +x i i EfiÚi  x BC { W Æ : EÚ) Æ Ω <«0 0 J ) h ŒV EÚ { n I j 0 0 J ) + i I BC { W Æ Æ π] ı + ÈEÚ (Bx BS ) B Æ π] ı k E Ú{ x ƒ (BS ı B Ú ) { Æ x v + ËÆ M ËÆ x v + v Æ i BC { W Æ l Æ { n I j EÚ E Ú± BC { W Æ

123 { V { Æ EÚ BC { W Æ i) <ŒC ]ı Æ Â, { Æ i «x hb Â, { Æ i «x b ÂS Æ Â B <ŒC ]ı + J { Æ { Æ EÚ x v  EÚ <EÚ <   i I x V EÚ + v Æ i x v EÚ Æ { Æ Â E Ú ± x x Ω EÚ M <«ΩË * ii) Æ Â (+ <«{ + B / <«B + { B Ω i ) { Æ i «x Ïhb Â, { Æ i «x b ÂS Æ Â B <ŒC ]ı =x J { Æ { Æ EÚ x v   x E Ú HÚ Â EÚ x»v + v Æ { Æ Æ Â / Ïhb  / b ÂS Æ Â +x i i  E Ú i + O iii) EÚ +x =q Ω i + O V Ω ƒ Æ { Æ i «x Ïhb { Æ i «x b ÂS Æ <ŒC ]ı =x J { Æ { Æ EÚ x v  EÚ <EÚ < ƒ l EÚ i i E Ú {  ± V i ΩÈ * iv) Æ Â EÚ { à EÚ i i { Æ i «x Ïhb  { Æ i «x b ÂS Æ Â <ŒC ]ı =x J S +± Úhb  EÚ <EÚ <  u Æ + Æ I i j  EÚ +x =q Ω i + O x V Ω ƒ Æ / { Æ i «x Ïhb / { Æ i «x b ÂS Æ / <ŒC ]ı =x J S +± Úhb  EÚ UÙ c EÚÆ l EÚ i i + O  EÚ { h «i & +ÃV i x Ω EÚÆ i ΩË * E ÚUÙ x Ω v) Æ n ± ±  EÚ i i B + i i + O B Æ n ± ±  i l Æ i ± x EÚi «+  EÚ + Æ V Æ M Æ ]ı vi) ]ıæ  E Ú + n x EÚ x <«EÚ { x   <ŒC ]ı ± x E Ú v x =M Ω x EÚ i Ω i x»v + v Æ { Æ Æ / Ïhb  / b ÂS Æ Â +x i i  E Ú i EÚ Æ { Æ ]ı EÚ E ÚUÙ x Ω E ÚUÙ x Ω vii) i <ŒC ]ı Ω / x M «E Ú i EÚ { x  EÚ { Æ E ÚUÙ x Ω E ÚUÙ x Ω viii) Æ Â E Ú l EÚ x M { Æ i «x Ïhb { Æ i «x b ÂS Æ <ŒC ]ı + J i { Æ { Æ EÚ Úhb E Ú xv  ÈEÚ Â u Æ EÚ M <«Ω n Æ i r i Bƒ E ÚUÙ x Ω E ÚUÙ x Ω ix) ]ı EÚ EÚÆ E Ú ± B xi { Æ k { π i EÚÆ x E ÚUÙ x Ω E ÚUÙ x Ω x) =t { ƒv x v  EÚ BC { W Æ ({ V EfiÚi B +{ V EfiÚi n x Â) <ŒC ]ı E Ú Æ Æ Z V BM + ËÆ < ± B { ƒv W Æ BC { W Æ =SS i i I B + i I n x  E Ú +x { ± x Ω i M x V BM * E ÚUÙ x Ω E ÚUÙ x Ω { ƒv W Æ EÚ E Ú± BC { W Æ ( xv x u Æ EÚ ± i B ± J { Æ I EÚ Â { Æ Æ Æ J ΩË ) 7.3 V J M «Æ i l P Æ ± (EÚh]ıÆ BC { W Æ ) (Ø. EÚÆ c Â) V J M «π «E Ú n ËÆ x EÚ «Œx i ÈEÚ EÚ P Æ ± V J v x < V M EÚÆ h { Æ + v Æ i x i { Æ + v Æ i E Ú E Ú E Ú E Ú +x Æ BC { W Æ ( x ± ) +x Æ v Æ i v x +x Æ BC { W Æ ( x ± ) +x Æ v Æ i v x Ω k Ω x 2.62 E ÚUÙ x Ω E ÚUÙ x Ω x x E ÚUÙ x Ω E ÚUÙ x Ω v E ÚUÙ x Ω E ÚUÙ x Ω =SS E ÚUÙ x Ω 0.31 E ÚUÙ x Ω + i =SS E ÚUÙ x Ω E ÚUÙ x Ω E ÚUÙ x Ω + Ï Ú-G Ú b ]ı/ i v i E ÚUÙ x Ω 1.23 E ÚUÙ x Ω E Ú± E ÚUÙ x Ω E ÚUÙ x Ω n V J EÚ± x EÚÆ x Ω i ÈEÚ x EÚ +{ x b«u Æ +x n i Ë`ˆEÚ Â n V J v x x i EÚ M EÚ ΩË * M i π «ÈEÚ x BC { ]«ı G Ú b ]ı M Æ ]ı EÚ Æ{ Æ x + Ï Ú <Œhb ± ] ııb u Æ { ± x EÚ V Æ Ω M «M EÚÆ h EÚ M EÚ ΩË *

124 ÈEÚ u Æ g <«M <«BEÚ± =v Æ EÚi «(B V B± ), Ω =v Æ EÚi «(V B± ) EÚ Æ x i E Ú +x Æ, BEÚ± =v Æ EÚi «EÚ BC { W Æ ÈEÚ E Ú { ƒv x v  E Ú 15% + v EÚ x Ω x S Ω B* +{ n i EÚ { Æ Œ l i   ÈEÚ E Ú b«eú EÚ «EÚ Æ h i E Ú +x n x E Ú l + v EÚi { ƒv x v  E Ú 5% i EÚ + i Æ HÚ BC { W Æ { Æ S Æ EÚ V EÚi ΩË * i Ê EÚ =v Æ EÚi «ÈEÚ EÚ Ãπ EÚ Æ { ]«ı  = S i EÚ]ı EÚÆ h E Ú ± B Ω i n Ω * π «E Ú n ËÆ x, x x ± J i J i E Ú xv  ÈEÚ E Ú b«eú EÚ «EÚ Æ h i EÚ V Æ E Ú l ÈEÚ x +{ x { ƒv M i x v  EÚ 15% i EÚ BC { W Æ EfiÚi EÚ ΩË * B) HÚM i J i (=SS i i Æ { ƒv x v  EÚ 15% - Ø EÚÆ c ) (Ø. EÚÆ c Â) =v Æ EÚi «EÚ x G Ú b ı]ı EÚ Æ BC { W Æ ( ) i) ]ı ]ı { Æ V x ± ii) + EÚ k EÚ Æ { Æ x ± ) O { =v Æ EÚi «( i Æ Ø EÚÆ c )* ÈEÚ x EÚ =v Æ EÚi «O { V J =SS i EÚ + i GÚ h x Ω EÚ * 7.5 i i Æ Ω i + O (Ø. EÚÆ c Â) i «i i  { Æ i i Æ Ω i + O V Ë Æ <]ı ± < Â, v EÚ Æ <i n { Æ Æ # x i i Æ Ω i + O # Æ <] ı ± <  v EÚ Æ < n EÚ +x x EÚ ± + O  EÚ E Ú± Æ x x EÚi +x Æ Æ i EÚ V i ΩË * v 8.1 π «E Ú n ËÆ x + EÚÆ E Ú ± B EÚB M B v x  EÚ Æ (Ø. EÚÆ c Â) Æ h EÚÆ v x EÚÆ x π M ± EÚÆ ± i Æ h EÚÆ Æ i Æ W «ÈEÚ u Æ ± M B M B n hb  EÚ EÚ]ı EÚÆ h π «E Ú n ËÆ x Æ i Æ W «ÈEÚ x ÈEÚ { Æ EÚ <«n hb x Ω ± M ΩË * 9. ± J h ± x EÚ (B B ) E Ú +x Æ EÚ]ı EÚÆ h 9.1 ± J h ± x EÚ - 5 (± J x i   + v, { «+ v nâ B { Æ i «x Ω i x ± ± B Ω x ) B B 5 E Ú +xi M «i { «+ v + / EÚ]ı EÚÆ h EÚÆ x EÚ EÚ <«+ EÚi x Ω ΩË * 9.2 ± J h ± x EÚ: 6 - x± ø ± J h ± + Œ i  E Ú i EÚ h E Ú π «E Ú ± B E Ú± ± ø EÚ +± M x S n M ΩË * (Ø. EÚÆ c Â) + Œ i  EÚ h { Æ Æ x x i + Œ i ƒ { ^ı EfiÚi + Œ i ƒ E ÚUÙ x Ω E ÚUÙ x Ω 9.3 ± J h ± x EÚ: 9 - (Æ V { Ω S x x ) + EÚ EÚ i { nâ ± J h ± x i. 9.1 E Ú +x Æ =M Ω + v Æ { Æ { Ω S x V i ΩÈ * Æ i Æ V «ÈEÚ n x nê  E Ú +x Æ <xωâ Ω i { h «x Ω x ΩÈ + ËÆ < ± B EÚ]ı EÚÆ h EÚ +{ I x Ω ΩË * 9.4 ± J x EÚ (B B ): 15 ( v i ) - EÚ «S Æ E Ú Ω i l «1. + v Æ i ± J x i Â Â Ω i { h «{ Æ i «x ÈEÚ x π «E Ú n ËÆ x EÚ <«Ω i { h «{ Æ i «x x Ω EÚ ΩË * 2. EÚ «S Æ E Ú Ω i l «2.1 { Æ π i ± {  x V x + ËÆ ={ n x & x x Æ h B B 15 E Ú +xi M «i +{ I i EÚB +x Æ { Æ π i ± {  x V x, ={ n x V x + ËÆ { x «Z Ëi V x EÚ Œ l i n «i ΩË * (Ø. EÚÆ c Â) Æ h {  x V x ={ n x { Æ π i ± v i E Ú i «x ±  { Æ i «x EÚ Æ EÚ { Æ π i ± v i S ± ± M i V ± M i n x n Æ Ω x ƒ (± ) M i ± M i (M ËÆ x Ω i ± ) - - M i ± M i ( x Ω i ± ) - - n k ± (37.03) (10.22) EÚ Æ h { Æ π i ± v i V x + Œ i   { Æ i «x EÚ V x + Œ i  EÚ Æ EÚ = S i ± V x + Œ i  { Æ i i

125 125 x V EÚ Â u Æ + n x n k ± (37.03) (10.22) n x n Æ ± (Ω x ) EÚ V x + Œ i  EÚ Æ h = S i ± v i E Ú i «x ± + ËÆ V x + Œ i  E Ú = S i ± EÚ v x EÚ x v r v i EÚ i «x ± EÚ V x + Œ i  EÚ = S i ± EÚ / + v C V x + Œ i  { Æ +x V x - - V x n i +  { Æ +x - - V x - - x Ω { Ω S x M B M i ± M i x ± n i / (+ Œ i ) i ± x { j  { Ω S x M <«Æ n i Bƒ Œ i ƒ EÚ i ± x { j  { Ω S x ± M <«x ± n i B + Œ i ± B Ω x J i  { Ω S x ± M <«x ± ± M i S ± ± M i V ± M i V x + Œ i  { Æ i i + (46.47) (17.19) i Ω E Ú n ËÆ x { Ω S x M x ± n x n Æ Ω x ƒ (± ) (75.37) (20.49) { Ω S x M M i ± M i (M ËÆ x Ω i ± ) - - { Ω S x M M i ± M i ( x Ω i ± ) - - +x S 16 EÚ «S Æ Â EÚ M i x + ËÆ =x E Ú ± B v x E Ú +xi M «i S ± π «E Ú { & B±  i { Æ π i ± V x EÚ E Ú± ± M i V x + Œ i  { Æ i i + + ËÆ i EÚ + EÚ v x V x + Œ i  { Æ i i V x + Œ i  { Æ n x n Æ ± /(Ω x ) V x + Œ i  { Æ i EÚ i ± x { j  { Ω S x M B Æ EÚ + ËÆ + i x ± n i EÚ v x EÚ Æ EÚ x ± n i ± + ËÆ Ω x J i  { Ω S x M (39.00) (7.17) x V EÚ EÚ + n x (19.20) EÚ i ± x { j  { Ω S x ± M <«x <«n i / (+ Œ i ) M k π «( )  i + n x EÚ ={ n x x v + ËÆ {  x x v (={ S i V ) ÈEÚ π + ËÆ +x + Œ i  E Ú V x + Œ i  E Ú +xi M «i x, x x EÚ Æ ΩË * Ø. EÚÆ c   + Œ i  EÚ h ={ n x x v {  x x v Æ EÚ V x + Œ i Â Æ EÚ V x + Œ i  EÚ % EÚ % ={ «HÚ Â x x ± J i x Æ i ] ı]ı ÈEÚ Â EÚ ΩË * + Œ i  EÚ h ={ n x x v {  x x v Æ EÚ V x + Œ i Â Æ EÚ V x + Œ i  EÚ % EÚ % n x n Æ ± + ËÆ Ω x  EÚ ± + ËÆ Ω x Æ h  { h «i { Ω S x ± M ΩË * 2.4 V x E Ú EÚ Æ EÚ I {i Æ h : x i «x, ËŒSUÙEÚ x fi k + n { Æ { j {  x EÚŒ±{  EÚ {  x n V i ΩË * {  x {i EÚÆ x EÚ { j Ω x E Ú ± B EÚ «S Æ EÚ x x i 10 ± EÚ EÚÆ x Ω M * ={ n x { j EÚ «S Æ Â EÚ x i «x, ËŒSUÙEÚ x fi k + n { Æ n ΩË * ={ n x E Ú ± B { j Ω x E Ú ± B EÚ «S Æ EÚ x x i 5 π «EÚ EÚÆ x Ω M * 2.5 ± J + v + v EÚ V x + Œ i  { Æ i i + BEÚ EÚŒ±{ i + n Æ ΩË * EÚŒ±{ i + n Æ i π «8% ΩË *

126 ± v x n x n Æ EÚ±{ x B Æ h { Æ π i ± ={ n x 9.5 ± J x EÚ - B B 17 ( M x]ı± Æ { Õ]ıM ) { ]«ı-b - EÚ Æ Æ M x]ı {  x V x Æ È M «x nê  E Ú +x Æ ÈEÚ x EÚ Æ Æ M x]ı EÚ { x & M EfiÚi EÚ ] ı]ı n Æ 7% 7% EÚ V  ÈEÚ x x EÚ Æ { Æ S ± i EÚÆ i ΩË EÚ V x + Œ i { Æ Ú i i + n Æ 7.50% 7.50% B. x M i / l EÚ ÈÀEÚM. J n Æ ÈÀEÚM EÚ i x fi r 6% 6%. Æ V EÚ π + ËÆ EÚ ] ı]ı n Æ 7% 7% b. +x ÈÀEÚM { Æ S ± x EÚ V x + Œ i { Æ i i + n Æ 7.50% 7.50% M EÚÆ h x x ± J i x n hb E Ú + v Æ { Æ EÚ M ΩË * (i) l EÚ / x M i ÈÀEÚM - 5 EÚÆ c Ø. E Ú >apple{ Æ E + ËÆ EÚ i x fi r 6% 6% + O J i EÚ l EÚ / x M i ÈÀEÚM E Ú +xi M «i M EfiÚi EÚ ΩË * 2.7 n x n Æ ± EÚx  x ± M i x fi r EÚ +x x ; Ú i, Æ i, { n z i + ËÆ Æ W M Æ W Æ Â { Ãi + ËÆ M V Ë r P ]ıeú  { Æ v x n V i ΩË * (ii) J n Æ : ={ «HÚ E Ú +xi M «i x Ω Œ ± + ËÆ + O EÚ J n Æ ÈÀEÚM E Ú {  x V BM (iii) Æ V EÚ π : { h «x { ]«ı Ú ± EÚ Æ V EÚ π M x]ı E Ú +xi M «i M EfiÚi EÚ ΩË * 3. { Æ π i + n x V x (iv) +x ÈÀEÚM { Æ S ± x : ÈEÚ EÚ +x ÈÀEÚM { Æ S ± x M x]ı 3.1 ± + ËÆ Ω x J i  EÚ «S Æ Â EÚ + ËÆ =x E Ú ± B v x x Ω ΩË * π «E Ú +xi M «i Œ ± i ÈEÚ EÚ π x v V x EÚ + Æ + B i l + Œ i Â/n i +  EÚ + ]ıx E Ú { Â Ø EÚÆ c { Ω S x M ΩË * B) π M Â]ı EÚ n M <«i I + B i l + Œ i / 4. +x n P «v EÚ «S Æ ± n i r M Â]ı EÚ + ]ıi EÚ V i ΩË * 4.1 ± B Ω x J i  "EÚ «S Æ Â EÚ + ËÆ =x E Ú ± B v x '' π «E Ú +xi M «i Ø EÚÆ c EÚ +x n P «v EÚ «S Æ ± EÚ + Æ E Ú {  { Ω S x ± M ΩË * ) M Â]ı EÚ x n M <«i I nâ Ú]ıEÚÆ EÚ + ]ıi EÚ V i ΩÈ i l l EÚ M Â]ı  i I n V x ± + EÚ EÚ «S Æ Â/+x { i EÚ J EÚ ± x n x x j h /+x { i M : M Â]ı x { i  + ]ıi EÚ V i ΩË * (Ø. EÚÆ c ) Æ V EÚ π EÚ Æ { Æ ]ı / Ú]ıEÚÆ +x ÈÀEÚM E Ú± M Â]ı l EÚ ÈÀEÚM ÈÀEÚM { Æ S ± x Æ h Æ V { Æ h $ M ËÆ + ]ıi { Æ S ± x ± EÚÆ v Æ h ± / Ω x x ± ± x S x M Â]ı + Œ i ƒ M ËÆ + ]ıi + Œ i ƒ E Ú± + Œ i ƒ M Â]ı + Œ i ƒ M ËÆ + ]ıi n i Bƒ 1.56 E Ú± n i Bƒ $ Ø EÚÆ c (Ø EÚÆ c ) E Ú v x  B Ú]ıEÚÆ J S «EÚ EÚ]ı Ëi EÚÆ x E Ú n { Æ S ± x ± {i Ω + ΩË *

127 127 ) ÈEÚ EÚ E ÚUÙ x + Œ i ƒ/n i Bƒ B + / Ω i ΩÈ V EÚ π M Â]ı EÚ x Ω n V EÚi ΩÈ + ËÆ < ± B =HÚ EÚ M ËÆ + ]ıi E Ú { x V i ΩË * { ]«ı - ËM ± EÚ M x]ı ÈEÚ E Ú ± n M x]ı  { Æ S ± x EÚÆ i ΩË + ËÆ < ± B ËM ± EÚ M x]ı E Ú +xi M «i EÚ <«{ fil EÚ EÚ]ıx x Ω EÚ M ΩË * 9.6 ± J x EÚ - B B 18 ( v i { ]ı EÚ]ı EÚÆ h ) v i { ]ı EÚ]ı EÚÆ h : ÈEÚ E Ú J xv EÚ EÚ Ã EÚ + ËÆ =x E Ú { Æ EÚ x x EÚ Æ ΩË *. B.E Ú V M z l x, xv x n EÚ (+ v ) i x + ËÆ k : Ø. 10,22,764/-, +x ± Ø. 2,23,404/- x ]ı: Æ i x n ± J EÚ Æ l x u Æ V Æ B.B 18  x v «Æ i EÚB +x Æ +x r { ]ı Æ V x j i =t ΩË <x E Ú l ± x n x EÚ]ı EfiÚi x Ω ΩË * 9.7 ± J x EÚ - 19 ({ ] ı] ı) { ] ı] ı { Æ / EÚÆ + v Æ { Æ ± M <«{ k ƒ ÈEÚ E Ú EÚ±{ E Ú +x Æ x EÚÆ h M / Æ r EÚÆ x M ΩÈ * + i Æ HÚ EÚÆ / { ] ı] ı EÚÆ v i n  E Ú v  ÈEÚ EÚ n i Bƒ x { ]ı Æ x EÚÆ h { Æ { Ω S x EÚ V i ΩË * 9.8 ± J x EÚ 20 (+V «x i Æ ) i Æ EÚ +V «x x x EÚi {  { Æ EÚ ± i EÚ M ΩË * (Ø. EÚÆ c Â) Æ h x ± ± (EÚÆ b  Â) <ŒC ]ı Æ Â EÚ Æ i + Ë i J 5,00,000,00 5,00,000,00 ± i Æ +V «x (Ø. ) i x EfiÚi i Æ +V «x (Ø. ) ± J x EÚ B B 22 EÚÆ B + EÚ ± J 31 S «2010 i EÚ Œxv i π  E Ú J P ]ıeú + l M i EÚÆ + Œ i ƒ (b ]ı B) B + l M i EÚÆ n i Bƒ (b ]ı B± ) E Ú + EÚc x x x Æ ΩÈ * (Ø. EÚÆ c Â) z i E Ú π «E Ú n ËÆ x EÚÆ { Æ h EÚ +l π V x EÚ < i π ± B Ω x + l M i EÚÆ + Œ i ƒ + v B n E Ú ± B v x B x EÚ E ÚUÙ x Ω EÚ «S Æ E Ω i l «v x (12.72) x nâ x EÚ ± ø B { Æ v x (19.46) E Ú± + l M i EÚÆ + Œ i ƒ (0.65) l M i EÚÆ n i B l + Œ i { Æ ± ø E Ú± + l M i EÚÆ n i B x ± + l M i EÚÆ + Œ i ƒ/ (n i B ) (0.65) ± J x EÚ 28: +x V «EÚ + Œ i ƒ ÈEÚ v x E Ú i Â, = E Ú +x Æ + Œ i ƒ +x V «EÚ x Ω ΩË V E Ú ± B ± J x EÚ 28 +x V «EÚ + Œ i ƒ E Ú { Ω S x EÚ EÚ <«+ EÚi x Ω ΩË * 9.11 ± J x E. 29 Æ h : v x Â, n i +  B + EÚŒ EÚ n i +  EÚ Æ h B) + EÚ Œ EÚ n i +  E Ú ± B v x  =i Æ S g (Ø. EÚÆ c Â) Æ h S ± π «M i π «1 + ˱ 2009 EÚ π π «E Ú n ËÆ x V c E ÚUÙ x Ω E ÚUÙ x Ω π «E Ú n ËÆ x ={ HÚ/ i Ãi i E ÚUÙ x Ω E ÚUÙ x Ω 31 S «2010 EÚ π EÚŒ EÚ n i B i ± x { j EÚ +x S -12 EÚ GÚ. i, vi i l vii  S i B n i Bƒ +n ± i /+ x h «/+n ± i E Ú Ω Æ Z Ëi, +{ ±  EÚ x { ]ı x, ƒm V x ± Æ, n i EÚ n i  EÚ i Á EÚ i l v i { ]ı ı EÚ ƒm  fi r + n { Æ x «Æ ΩË * ) ÈEÚ E Ú Ø r n E Ú {  x Ω x ± ΩË, E Ú ± B EÚÆ M Ω i ΩË V E Ú v  ÈEÚ EÚÆ c Ø. EÚ +{ ± EÚ ΩË + ËÆ ={ x ± E Ú ± EÚÆ c Ø. ΩË * ={ «HÚ xv x E Ú + v Æ { Æ ΩË + ËÆ = EÚ <«Ω i { h «n i = Æ x EÚ x x Ω ΩË * 10. l + Œ i ƒ B) }± Ë]ı { Æ ± æ + v O Ω h EÚ i EÚ ± M i { Æ ={ ± v EÚ M ΩË V Ë EÚ EÚ ± +± M x Ω n ΩË *

128 128 ) l + Œ i  EÚ EÚ± ± ({ Æ Æ EÚ UÙ c EÚÆ ) Æ i ] ı]ı ÈEÚ + ËÆ +x Ω M ÈEÚ Â u Æ HÚ { v EfiÚi Æ Ø EÚÆ c ΩË * ( { UÙ± π «Ø EÚÆ c )* ÈEÚ EÚ Æ Ø EÚÆ c ΩË * ( { UÙ± π «Ø EÚÆ c ) 11. v x +xi «J ± x n x, Æ i ] ı]ı ÈEÚ B B ] ı ÈEÚ Â E Ú l J i, Æ EÚ Æ E Ú J i, ± x n x (E Úxp B Æ V ), b }]ı n J i, x ] J i, ]ı { x J i, v x + ËÆ +x V x J i v x E Ú z S Æ h   ΩË * xv x EÚ Æ Â k Æ h  { Æ B v x EÚ EÚ <«Ë i EÚ x Ω ΩË * 12. +x /+ i Æ HÚ EÚ]ı EÚÆ h 12.1 v x B + EÚŒ EÚ EÚ Æ h (Ø. EÚÆ c Â) ± B Ω x J i E Ú π «EÚ E Ú +xi M «i n «B M B v x  B + EÚŒ EÚ Â EÚ Æ h x { Æ ± ø Ω i v x (20.47) Bx { B E Ú ± B v x x EÚ + Œ i E Ú ± B v x EÚÆ E Ú ± B EÚB M B v x * x v x B + EÚŒ EÚ ( Æ h Â Ω i ) B. { x»æ S i Bx { B J i  { Æ P ] ı E Ú V E Ú ± B v x (4.62) { x»æ S i x EÚ + Œ i  { Æ P ] ı E Ú V E Ú ± B v x 7.68 (8.90). { x M «`ˆi J i  - M ËÆ b + Æ E Ú = S i ±  ø E Ú ± B v x b. +x v n  E Ú ± B v x <«. V n Æ EÚ E Ú ± B v x B Ú. +x π M ± EÚÆ E Ú ± B v x V. + l M i EÚÆ 0.65 (48.65) BS. v x EÚÆ E Ú± * M i π «Œxv i Ø EÚÆ c ( π « E Ú n ËÆ x Ø EÚÆ c ) EÚ { x Æ EÚx + i Æ HÚ v x EÚ x ± * l v x Æ h B) + l v x J i  +l π ) ± J π «Â EÚB M + l E ÚUÙ x Ω v x EÚ j ) ± J π «E Ú n ËÆ x x EÚ ± M <«Æ E ÚUÙ x Ω b ) + l v x J i  < i π V, + O, EÚ]ı EÚÆ h + ËÆ Bx { B EÚ E Úxp EÚÆ h B. V +  EÚ E Úxp EÚÆ h (EÚÆ b  Â) Æ h c V EÚi «+  EÚ E Ú± V Æ b V EÚi «+  E Ú V +  E Ú l ÈEÚ E Ú E Ú± V +  EÚ i i ) + O  EÚ E Úxp EÚÆ h (EÚÆ b  Â) Æ h b =v Æ EÚi «+  EÚ E Ú± + O b =v Æ EÚi «+  EÚ + O  l ÈEÚ E Ú E Ú± + O  EÚ i i ) EÚ]ı EÚÆ h EÚ E Úxp EÚÆ h Æ h b =v Æ EÚi «+  / O Ω EÚ Â EÚ E Ú± EÚ]ı EÚÆ h b =v Æ EÚi «+  / O Ω EÚ Â EÚ E Ú± EÚ]ı EÚÆ h E Ú l O Ω EÚ Â / =v Æ EÚi «+  { Æ ÈEÚ E Ú E Ú± BC { Æ EÚ i i b ) Bx. {. B EÚ E Úxp EÚÆ h (EÚÆ b  Â) Æ h =SS S Æ Bx { B J i  E Ú l E Ú± BC { Æ C]ıÆ Æ Bx { B GÚ. E Ú]ıÆ. = C]ıÆ Â Bx { B E Ú l E Ú± + O EÚ i i EfiÚ π B Ω r M i v ƒ =t M ( I & ± P, v + ËÆ c ) Bƒ HÚM Bx. {. B. EÚ =i Æ S f (Ø. EÚÆ c  Â) Æ h π]ı π «E Ú 1 + ˱ E Ú +x Æ EÚ± Bx { B ( Æ EÚ π ) π «E Ú n ËÆ x V c (x Bx { B) ={ V c (B) P ]ı Bƒ:- (i) =z x (ii) ± ƒ (=z x EÚB J i  EÚ M <«±  EÚ UÙ c EÚÆ ) (iii) ] ı] ı J i b ± x ={ E Ú± ( ) x i π «E Ú 31 S «E Ú +x Æ EÚ± Bx { B (< i π ) (B - ) * M i π «E Ú + EÚb Æ ÈEÚ M «x nê  E Ú +x Æ { x & { Æ EÚ ± i EÚ M ΩË *

129 n + Œ i ƒ, Bx { B + ËÆ Æ V Æ h Æ (Ø. EÚÆ c Â) E Ú± + Œ i ƒ E Ú± Bx { B E ÚUÙ x Ω E Ú± Æ V v x EÚ Æ V +x { i Æ h ÈEÚ E Ú EÚ± M ËÆ x π{ n EÚ + Œ i  EÚ v x i ± x { j <i Æ V i B { V i B { EÚ x n n E ÚUÙ x Ω E ÚUÙ x Ω 12.9 EÚ i  EÚ EÚ]ı EÚÆ h B. O Ω EÚ EÚ i  B) π «E Ú Æ Â ± i EÚ i  EÚ J 33 ) π «E Ú n ËÆ x {i EÚ i  EÚ J 1483 ) π «E Ú n ËÆ x EÚB M B EÚ i x Æ h EÚ J 1478 b ) π»i  ± i EÚ i  EÚ J 38. È E ÚM ± EÚ{ ± u Æ { Æ i + b«b) π «E Ú Æ Â M ËÆ EÚ «Œx i + b«eú J x ) π «E Ú n ËÆ x ÈÀEÚM ± EÚ{ ± u Æ { Æ i + b«eú J x ) π «E Ú n ËÆ x EÚ «Œx i + b«eú J x b ) π»i  M ËÆ EÚ «Œx i + b Á EÚ J x x EÚ) Æ i Æ EÚ Æ E Ú n x nê  E Ú +x Æ ÈEÚ x π «E Ú n ËÆ x EfiÚ U Ù]ı B Æ Ω i V x EÚ EÚ «x x EÚ ΩË U Ù]ı V x Æ Ω i V x E Ú +xi M «i { { j Æ GÚ & Ø EÚÆ c B Ø EÚÆ c ΩË * Æ i Æ EÚ Æ < Æ EÚ S Æ EÚ i   +n EÚÆ M * V  ÈEÚ + i EÚ x S n «+x Æ Ø EÚÆ c i x EÚ i   {i EÚ * Œ{i n x EÚ Æ Ø. EÚÆ c  E Ú± { j EfiÚπ EÚ Â { Æ E Ú xv  i «x ± + v Æ { Æ Ω x EÚ { «{i v x i EÚ Ø EÚÆ c EÚ M ΩË (Ø EÚÆ c )* Æ i Æ EÚ Æ x =x E Ú u Æ n EÚ i  { Æ V n x EÚ x h «± ΩË * ÈEÚ x ± B Ω x J i  < V x E Ú +xi M «i Ø EÚÆ c EÚ i EÚ B V {i EÚÆ x EÚ EfiÚi EÚ ΩË * ÈEÚ x + i EÚ 2.37 EÚÆ c Ø. EÚ Æ {i EÚ ΩË * J ) ÈEÚ I, ± P, v =t EÚ + v x 2006 E Ú +xi M «i EÚ Æ EÚB M B { Ãi EÚ Æ Â/ n EÚ Â = S i v EÚ Æ E Ú l { V EÚÆ h E Ú v  + EÚ S x {i x Ω EÚ ΩË * < ± B =HÚ + v x EÚ v Æ 22 E Ú +xi M «i EÚ]ı EÚB V x E Ú ± B +{ I i S x x Ω n M <«ΩË * M ) Æ ÈEÚ { Æ { j b + b { 133/ / n x EÚ E +x Æ 6.50 EÚÆ c Ø. EÚ Æ EÚ ± Ω x J i  +xi Æ i EÚ M + ËÆ +x +  S «2002 i EÚ V EÚB M B + ËÆ x ] ı J i  EÚ 2500 B b E Ú i ± = EÚ ± E Ú i EÚ V Œπ]ıı E Ú {  ± EÚ M * Ë EÚ Â u Æ V Æ Ω ± i { j (B± + B ) EÚ EÚ]ı EÚÆ h : G Úi +  E Ú G b ı] E Ú ± B V Æ Ω ± i { j EÚ Æ h x x n x ΩË : ı n x n EÚ EÚ Ø. 6, EÚÆ c ÈEÚ u Æ ± B M B ÈEÚ Æ x EÚ Æ Æ E Ú P  {i ±EÚ/+x ± ÈEÚ u Æ ± B M B ÈEÚ Æ x EÚ Æ Æ E Ú xv  x x ± J i ±EÚ/ +x ± {i Ω + ΩË * GÚ. + EÚ { GÚ V x x i Ω i GÚ M ËÆ V x x i Ω i GÚ S +± x v =i{ n x B + <«EÚ b« ÈEÚ x n Æ 2008 V x 2009 i EÚ EÚ + v E Ú ± B π + V x EÚ EÚ «x x EÚ V  BEÚ Æ EÚ n EÚÆ EÚ + v { Æ Ω x i EÚ =v Æ EÚi «E Ú V x EÚ < Æ x EÚÆ M * < V x {i EÚÆ c Ø EÚ + Ë + v Â Æ i EÚÆ E Ú + ËÆ i n x Æ EÚ 1/10 Ω EÚ ± Ω x J i Æ i EÚ M ΩË *

130 V Ω ƒ EÚΩ + EÚ Z M Ωƒ { UÙ± π «E Ú + ƒeúb { x «M EfiÚi / { x «Œ l i EÚB M B ΩË * V ± EÚ ={ Ω v EÚ ( k B ± J ) i S Ëv Æ Ω v EÚ (Æ V EÚ π ) B ± S xp x J Ω v EÚ B E Ú V M z l x v x n EÚ + { ^ı +v I E Ú t { v B B l Ë B M { ± EfiÚπh E Ú i h { ±± Ë x n EÚM h Y x S xn { { Æ B i v x { x M EÚ π CEÚ c, 23 + ˱ 2010 i l EÚ Ω Æ Æ { ]«ı E Ú +x Æ ± J { Æ I EÚ EfiÚi M {i B E Ú{ x EfiÚi b x B E Ú{ x x n ± J EÚ Æ x n ± J EÚ Æ + x ± E Ú Æ M {i Æ V b x M n Æ M n Æ n i n i B + Æ Bx Bx B + Æ Bx EfiÚi Ω M M ± B B ] ı EfiÚi Æ x l B Æ EfiÚi V Ëx B V Ëx x n ± J EÚ Æ x n ± J EÚ Æ x n ± J EÚ Æ Æ E Ú Æ Ω. EÚ Æ Æ x Æ V x B. V Ëx M n Æ M n Æ M n Æ n i n i n i B + Æ Bx <«B + Æ Bx B B + Æ Bx b ±

131 S «2010 EÚ {i π «E Ú x EÚn Ω Æ h ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ (Ø. Ω V Æ Â) EÚ {i π « EÚ {i π «(A) { Æ S ± x M i v  x EÚn Ω ( ) (B) x M i v  x EÚn Ω ( ) ( ) (C) k M i v  x EÚn Ω ( ) ( ) x EÚn B x EÚn i ±   x ± { Æ i «x (B+ + ) ( ) (D) π «E Ú Æ Â x EÚn B x EÚn i ± (E) π «E Ú +xi  x EÚn + ËÆ x EÚn i ± (B+ + +b ) A. { Æ S ± x M i v  x EÚn Ω π «E Ú ± B x ± ± V b : + EÚÆ Â B +x π M ± EÚÆ E Ú ± B v x x EÚÆ Â Ω i v x l M i EÚÆ ( ) EÚÆ Â { Ω ± x ± ± V x Ω i : ± ø Æ Bx { B E Ú ± B v x x EÚ + Œ i  { Æ v x 0 0 x  { Æ ± ø ( ) x  { Æ { Æ v x x v x π «E Ú n ËÆ x ^ ı J i  b ± M B + l M i Æ V 0 0 +x π M  ( x ± I { Ãi ) ± <«{ b + <«{ Æ n k V {{ Æ ]ı Æ II ƒ b { Æ nk V B ı ]ı ƒ b { Æ nk V P ]ı Bƒ: i I EÚÆ ={ V c V x Ω i : V +   fi r /(EÚ ) =v Æ Æ Â Â fi r /(EÚ ) ( ) x   ( fi r ) / EÚ ( ) ( ) + O   ( fi r ) / EÚ ( ) ( ) +x n i +   fi r / (EÚ ) ( ) x + Œ i   ( fi r ) / EÚ ( ) { Æ S ± x M i v  u Æ ΩË x ± x EÚn ( ) B. x M i v  x EÚn Ω +x π M B / HÚ =t  x 0 0 B x  { Æ +ÃV i S ± + Œ i ƒ ( ) ( ) x M i v   HÚ x ± x EÚn ( ( )

132 132 V ± EÚ ={ Ω v EÚ ( k B ± J ) E Ú t { v B B l Ë i S Ëv Æ Ω v EÚ (Æ V EÚ π ) x n EÚM h B M { ± EfiÚπh B i v x E Ú i h { ±± Ë Y x S xn { { Æ i l EÚ Ω Æ Æ { ]«ı E Ú +x Æ ± J { Æ I EÚ (Ø. Ω V Æ Â) EÚ {i π « EÚ {i π «C. k { π h M i v  x EÚn Ω : Æ { ƒv 0 0 Æ 0 0 x x π ± J i  EÚ x M «0 0 +{{ Æ ]ı Æ II Ïhb EÚ x M «0 0 Ãb x ]ıb Ïhb EÚ x M «0 0 + <«{ b + < hb  EÚ S x 0 0 +{{ Æ ]ı Æ II hb  EÚ S x 0 0 Ãb x ]ı hb  EÚ S x ( ) 0 x x π ± J i  { Æ n k V ( ) ( ) +{{ Æ ]ı Æ II Ïhb { Æ n k V ( ) ( ) hb  { Æ n k V ( ) ( ) n k ± ( ) ( ) k { π h M i v  u Æ ΩË x ± x EÚn ( ) ( ) D. π «E Ú Æ Â x EÚn B x EÚn i ± i) Ω l  x EÚn ( n p x ]ı B h «Ω i ) ii) Æ i Æ W «ÈEÚ Â + i π iii) ÈEÚ Â Â + i π B ƒm i l +±{ EÚ ± x S x { Æ v x E. π «E Ú +xi i EÚ x EÚn B x EÚn i ± i) Ω l  x EÚn ( n p x ]ı B h «Ω i ) ii) Æ i Æ W «ÈEÚ Â + i π iii) ÈEÚ Â Â + i π i l ƒm B +±{ EÚ ± x S x { Æ v x EÚ π CEÚ c, 23 + ˱ 2010 B ± S xp x J Ω v EÚ B E Ú V M z l x v x n EÚ { x M EfiÚi M {i B E Ú{ x EfiÚi b x B E Ú{ x x n ± J EÚ Æ x n ± J EÚ Æ + x ± E Ú Æ M {i Æ V b x M n Æ M n Æ n i n i B + Æ Bx Bx B + Æ Bx EfiÚi Ω M M ± B B ] ı EfiÚi Æ x l B Æ EfiÚi V Ëx B V Ëx x n ± J EÚ Æ x n ± J EÚ Æ x n ± J EÚ Æ Æ E Ú Æ Ω. EÚ Æ Æ x Æ V x B. V Ëx M n Æ M n Æ M n Æ n i n i n i B + Æ Bx <«B + Æ Bx B B + Æ Bx b ± + { ^ı +v I

133 133 SCHEDULE 18 NOTES TO ACCOUNTS 1. CAPITAL CAPITAL ADEQUACY RATIO The Capital to Risk-weighted Assets Ratio (CRAR) as assessed by the Bank on the basis of the financial statements and guidelines issued by the Reserve Bank of India (RBI) has been computed as below: a. As per BASEL I i) Capital to Risk-Weighted Assets Ratio (CRAR) 11.89% 12.13% ii) Capital to Risk-Weighted Assets Ratio Tier I 8.00% 7.43% iii) Capital to Risk Weighted Assets Ratio Tier II 3.89% 4.70% iv) % of share holding of the Government of India NIL NIL v) Amount raised during the year by issue of IPDI - NIL vi) Amount raised during the year by issue of Upper Tier II instruments - NIL b. As per BASEL II As per the extant guidelines of Reserve Bank of India, Bank has migrated to New Capital Adequacy framework with effect from Bank has adopted Standardized Approach for Credit Risk, Standardized Duration Approach for Market Risk and Basic Indicator Approach for Operational Risk towards compounding the minimum Capital under BASEL II Prudential Floor as on While migrating to Basel II framework, RBI has set out a prudential floor on minimum capital for the smooth transition from Basel I framework to Basel II framework. As per RBI guidelines, a specified percent of minimum capital is required to be maintained as per the Basel I framework for credit and market risks. The prudential floor as a percentage of minimum capital requirement computed as per Basel I framework for credit and market risks for the financial year ending March 2010 is 80%. Prudential floor capital computation as on is given below: Sl.No.Particulars Rs. in crore 1. Total Risk Weighted Assets as per Basel I Minimum Capital to be maintained as per Basel I (1) x 9% Prudential Floor (80% of minimum capital requirement as per Basel I framework) (2) x 80% Capital Funds maintained as on Excess capital maintained above the Prudential Floor The Bank has complied with the prudential floor as on stipulated by Reserve Bank of India. i) Capital to Risk Weighted Assets Ratio (CRAR) 13.74% 14.03% ii) Capital to Risk Weighted Assets Ratio Tier I 9.24% 8.59% iii) Capital to Risk Weighted Assets Ratio Tier II 4.50% 5.44% (As compiled by the Management and relied upon by the Auditors) (Rs. in crore) c) Subordinated debt and hybrid instruments raised as part of Tier I/Tier II capital Details Year of issue Tenor Int Rate % Amount Amount Subordinated Debt Series V months Series VI months Series VII months Series VIII months Series IX months Series X months Upper Tier II Bond months Upper Tier II Bond months Innovative Perpetual Debt Instrument (Tier I Capital) Series-I perpetual Series-II perpetual Total

134 INVESTMENTS (Rs. in crore) PARTICULARS Value of Investments i) Gross value of Investments In India Outside India Nil ii) Less: Provisions for Depreciation In India Outside India Nil Nil iii) Net value of Investments In India Outside India Nil 2. Movement of Provisions held towards Depreciation on Investments Opening Balance (as on 1st April) Add: Provisions made during the year Nil Less Write back of excess provisions during the year Nil Less: Write-off during the year Closing Balance (as on 31st March) In accordance with the RBI guidelines, the Bank s domestic gross investment portfolio has been classified into three categories. The classification as on is given hereunder: (Rs. in crore) Classification Amount % Amount % Held to Maturity - HTM Available for sale - AFS Held for Trading - HFT Total Domestic HTM securities as a percentage of Net Demand and Time Liabilities works out to % as against a stipulated maximum level of 25%. 2.2 Repo Transactions during the year (Rs. in crore) Particulars Minimum outstanding during the year Maximum Outstanding during the year Daily average outstanding during the year Outstanding as on 31st March 2010 Securities sold under Normal Nil(Nil) Nil(Nil) Nil(Nil) Nil(Nil) Repos LAF Nil(Nil) Nil(750.00) Nil(30.41) Nil(Nil) Securities purchased Normal Nil(Nil) Nil(Nil) Nil(Nil) Nil(Nil) under reverse Repo LAF 15.00(Nil) ( ) 73.79(43.19) Nil(150.00) Note: Figures in brackets relate to the previous year.

135 Non SLR Investment Portfolio i) Issuer composition of Non SLR Investments as on (Rs. in crore) Extent Extent of Extent of Extent of No. Issuer Amount of private Below unrated unlisted placement Investment securities securities Grade securities PSUs (60.01) (34.45) (1.50) (40.29) (35.77) 2. Financial Institutions ( ) (935.71) (25.31) (24.20) 3. Banks (254.78) (40.18) (3.82) (0.00) 4. Private Corporates (175.41) (18.37) (1.37) (175.30) (19.27) 5. Subsidiaries & Joint Ventures 6. Others (0.24) (0.24) (0.24) (0.24) 7. Provision held towards depreciation (70.90) Total (Net of depreciation) ( ) ( ) (2.87) (244.96) (79.48) Note: Figures in brackets relate to the previous year ii) Non Performing Non-SLR Investments as on Particulars Amount (in crore) Opening Balance 2.50 (2.65) Additions during the year Nil since 1st April 2009 (Nil) Reductions during 0.99 the above period (0.15) Closing Balance 1.51 (2.50) Total provisions held 1.51 (2.50) Note: Figures in brackets relate to the previous year. 2.4 In pursuance of the change disclosed in the Accounting Policy 3 with effect from regarding accounting of investments, from transaction date to trade date, the Government securities amounting to Rs Crores purchased on and broken period interest of Rs.0.20 Crores thereon has been accounted for during the current financial year. 2.5 During the year Bank has incurred a loss of Rs.0.99 crores on account of Coupon Only Swap (a derivative product for hedging). Pursuant to RBI guidelines, the same has been charged to Profit and Loss account. 3. DERIVATIVES 3.1 Interest Rate Swap/Forward Rate Agreement/Options (Rs. in crore) Rupee / Forex Based Particulars i. The Notional Principal of Swap agreements Interest rate Swap - - Coupon only swap ii. Losses which would be incurred if counter parties failed to fulfill their obligations under the agreements iii. Collateral required by the Bank upon entering into swaps Nil Nil iv. Concentration of credit risk arising from the swaps Nil Nil v. The fair value of the swap book (5.98) (10.29) (Derivative transactions are made based on the certificates obtained by the Management from the Exporters) (a) The Bank has entered into Interest Rate Swap (Coupon only swaps) for hedging the interest rate risks of Tier II Bonds. No swap transaction was undertaken for trading purpose during the year. (b) All the Interest Rate Swaps are within the counter party exposure limits. (c) The value and maturity of the hedge have not exceeded the underlying liabilities and no standalone transactions are initiated/ outstanding. (d) The Coupon only swaps are done in Japanese Yen and Indian rupees receiving Fixed Rate interest in

136 136 Indian Rupee and paying Japanese Yen LIBOR for one year (plus a spread) with a cap of 1%. (e) The Bank has not offered any collateral for undertaking the swaps. (f) There is no concentration of credit risks arising from Interest Rate Swaps undertaken during the year. (g) No Forward Rate Agreement transaction was undertaken during the year. 3.2 Exchange Traded Interest Rate Derivatives (Rupee & Forex) (Rs. in crore) S.No. Particulars Amount (i) Notional Principal amount of exchange traded interest rate derivatives undertaken during the year Nil (ii) Notional Principal amount of exchange traded interest rate derivatives outstanding as on 31st March 2010 Nil (iii) Notional Principal amount of exchange traded interest rate derivatives and not highly effective Nil (iv) Marked-to-market value of exchange traded interest rate derivatives outstanding and not highly effective Nil 3.3 Options: (a) Options offered to customers have been covered back to back in the market. (b) The carrying value of the Notional Principal Amount of the outstanding options arrived at FEDAI rates and the fair value as on are: (Rs. in crore) Particulars Carrying Value Fair Value Option contracts 9.36 Nil 0.28 Nil 3.4 Disclosures on risk exposure in derivatives a) Qualitative Disclosures (i) Bank is not undertaking trading in derivatives. They are being used for hedging purposes only. The underlying to be hedged and the hedge instrument are identified by the user department. The hedge methodology is approved by the Executive Committee of the Board of Directors. The execution of trade and monitoring is done by user department. (ii) As risk measurement and monitoring, the hedge instrument is marked to market at periodical intervals to ensure its effectiveness. (iii) Identifying an underlying, employing a derivative to hedge the Rate Sensitive Gap and reviewing the effectiveness based on interest rate view are some of the processes in risk mitigation. (iv) Hedge transactions are accounted on accrual basis and no marking to market is done. However, fair value and likely loss in the event of counterparty default is disclosed. Credit Risk is mitigated through counterparty exposure norms set internally. b) Quantitative Disclosures Rupee / Forex Based No. Particulars Currency Currency DerivativesDerivatives Derivatives (Notional Principal Amount) a) For Hedging Nil Nil b) For Trading Nil Nil 2. Marked to Market Positions a) Asset (+) Nil Nil b) Liability (-) Nil Nil 3 Credit Exposure Nil Nil 4 Likely impact of one percentage change in interest Rate (100*PV01) Nil Nil a. on hedging derivatives b. on trade derivatives 5 Maximum and Minimum of 100*PV01 observed during the year a) on hedging Nil Nil b) on Trading Nil Nil Rupee / Forex Based No. Particulars (Rs. in crore) (Rs. in crore) Interest rate Interest rate Derivatives Derivatives Derivatives (Notional Principal Amount) a) For Hedging b) For Trading Nil Nil 2. Marked to Market Positions a) Asset (+) Nil Nil b) Liability (-) (5.98) (10.29) 3 Credit Exposure Likely impact of one percentage change in interest Rate (100*PV01) a. on hedging derivatives b. on trade derivatives Nil Nil

137 137 5 Maximum and Minimum of 100*PV01 observed during the year a) on hedging 0.07/ /9.78 b) on Trading Nil Nil (Disclosure is made based on the intimation received by the management from the Counter Party Bank, viz. SBI) 4. ASSET QUALITY 4.1 Non Performing Asset 1. Movement of NPAs (Rs.in crore) Particulars i. Net NPAs to Net Advances (%) 0.91% 0.58% ii. Movement of NPAs (Gross) (a) Opening Balance (b) Additions during the year (c) Reductions during the year (d) Closing Balance iii. Movement of Net NPAs (a) Opening Balance (b) Additions during the year (c) Reductions during the year (d) Closing Balance* iv. Movement of Provisions for NPAs (Excl. provision on Standard Assets) (a) Opening Balance (b) Provisions made during the (c) Write-off of excess provision (Utilised for write-off) (d) Write back of excess provisions / reversal (e) Closing Balance * Closing Balance of Net NPA is arrived at after deducting Interest Not Collected of Rs crores (23.02 crores). 2. For the purpose of arriving at Net NPA, claims received from ECGC are deducted from the Gross NPA. The provision made during the year includes provision for Non-Performing Assets Rs crores and Provision for diminution in Fair value of restructured accounts (Non-CDR) Rs.0.94 crores. 4. Previous year s figures have been reworked as per RBI guidelines. 4.2 Details of Loan Assets subjected to Restructuring during the year (Rs. in crore) CDR Mechanism SME Debt Restructuring Others Standard No. of Borrowers advances Amount outstanding restructured Sacrifice (diminution in the fair value) Sub Standard No. of Borrowers advances Amount outstanding restructured Sacrifice (diminution in the fair value) Doubtful No. of Borrowers advances Amount outstanding restructured Sacrifice (diminution in the fair value) TOTAL No. of Borrowers Amount outstanding Sacrifice (diminution in the fair value)

138 Details of Financial Assets sold to Securitisation / Reconstruction Company for Asset Reconstruction (Rs. in crore) Particulars 31/03/ /03/2009 i) No. of Accounts Nil 3 ii) Aggregate Value (Net of Provisions) of accounts sold to SC/RC Nil # iii) Aggregate Consideration Nil $ iv) Additional Consideration realized in respect of accounts transferred in earlier years Nil Nil v) Aggregate Gain / Loss over net book value (9.17) # 2 Accounts (AUC) crore 1 Account (NPA) crore $ 3.00 crore crore (+) crore (-) 4.4 Details of non-performing financial assets purchased/sold A. Details of non-performing financial assets purchased (Rs. in crore) Particulars (a) No. of accounts purchased during the year (b) Aggregate Outstanding 2. (a) Of these, no. of accounts restructured during the year (b) Aggregate Outstanding B. Details of non-performing financial assets sold (Rs. in crore) Particulars No. of accounts sold Nil Nil 2. Aggregate outstanding Nil Nil 3. Aggregate consideration received Nil Nil 4.5 Provision on Standard Assets for the year (Rs. in crore) Particulars Provision made during the year towards Standard Assets Nil Nil Cumulative Provision held for Standard Assets (Included under Other Liabilities & Provisions in schedule 5 to the Balance Sheet) BUSINESS RATIOS Particulars i. Interest Income as a percentage of Working Funds ii. Non Interest income as a percentage of Working Funds iii. Operating profit as a percentage to Working funds iv. Return on Assets v. Business (Deposits plus advances) per employee (Rs. in crore) vi. Profit per employee (Rs. in crore)

139 ASSET LIABILITY MANAGEMENT Maturity Pattern of Certain items of Assets and Liabilities Maturity Pattern as at (Rs. in crore) Day 2 to 8 to 15 to days Over 3 Over 6 Over 1 Over 3 Over 5 Total days to 3 months & months & year & years & years days days months up to 6 up to up to up to months 1 year 3 years 5 years Deposits (154.81) (928.88) ( ) (286.90) ( ) ( ) ( ) ( ) ( ) ( ) ( ) Advances (57.31) (343.85) (401.18) ( ) ( ) ) ( ) ( ) ( ) ( ) ( ) Investments (Nil) (113.77) (714.94) (Nil) (132.26) (565.01) (88.38) (464.71) ( ) ( ) ( ) ( ) Borrowings (Nil) (Nil) (10.53) (Nil) (Nil) (Nil) (3.86) (63.83) (74.46) (646.74) (8.10) ( ) ( ) Foreign (Nil) (Nil) (Nil) Currency (46.63) ( (326.44) (0.42) (93.50) (52.39) (182.11) (161.64) (126.48) (28.43) ( ) Assets Foreign Currency (11.53) (69.18) (80.73) (21.27) (117.22) (191.15) (420.03) (373.72) (13.04) (0.00) ( ) Liabilities (Figures in brackets relate to the previous year) Note: In compiling the above data certain assumptions as per RBI guidelines and estimates have been made by the Management and relied upon by the Auditors. 7. EXPOSURES 7.1 Exposure to Real Estate Sector (Rs. in crore) a) Direct Exposure i. Residential Mortgages - Lending fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented; (individual housing loans eligible for inclusion in (PSL (PSL priority sector advances may be ) ) shown separately) ii. Commercial Real Estate - Lending secured by mortgages on commercial real estates (office buildings, retail space, multipurpose commercial premises, multifamily residential buildings, multitenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.,) Exposure would also include non-fund based (NFB) limits; iii. Investments in Mortgage Based Securities (MBS) and other securitised exposures - a. Residential b. Commercial Real Estate b) Indirect Exposure Fund and non fund based exposures on National Housing Bank (NHB) and Housing Finance Companies (HFCs) Total Exposure to Real Estate Sector Exposure to Capital Market (i) Direct investment in equity shares, convertible bonds, convertible debentures and units of equity oriented mutual funds, the corpus of which is not exclusively invested in corporate debt;

140 140 (ii) Advances against shares /bonds/ debentures or other securities or on clean basis to individuals for investment in shares (including IPOs/ESOPs), convertible bonds, convertible debentures, and units of equityoriented mutual funds; (iii) Advances for any other purposes where shares or convertible bonds or convertible debentures or units of equity oriented mutual funds are taken as primary security; (iv) Advances for any other purposes to the extent secured by the collateral security of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where the primary security other than shares/convertible bonds/ convertible debentures/units of equity oriented mutual funds does not fully cover the advances; Nil (v) Secured and unsecured advances to stockbrokers and guarantees issued on behalf of stockbrokers and market makers; (vi) Loans sanctioned to corporate against the security of shares/ bonds/debentures or other securities or on clean basis for meeting promoter s contribution to the equity of new companies in anticipation of raising resources; Nil Nil (vii) Bridge loans to companies against expected equity flows / issues; Nil Nil (viii) Underwriting commitments taken up by the banks in respect of primary issue of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds; Nil Nil (ix) Financing to stockbrokers for margin trading; Nil Nil (x) All exposures to Venture Capital Funds (both registered and unregistered) will be deemed to be on par with equity and hence will be reckoned for compliance with the capital market exposure ceilings (both direct and indirect) Nil Nil Total Exposure to Capital Market (As compiled by the Management and relied upon by the Auditors) 7.3 Risk Category wise Country Exposure (Rs.in crore) Risk Category Based on Banks Country Risk Management Based on ECGC classification Policy implemented during the year Exposure (net) as Provision held as Exposure (net) as Provision held as on 31st March 10 on 31st March 10 on 31st March 09 on 31st March 09 Insignificant 2.62 Nil Nil Low Nil Nil Moderate Nil Nil High Nil 0.31 Nil Very High Nil Nil Nil Off-Credit Nil 1.23 Nil Restricted Total Nil Nil For compiling the country-wise risk exposure, the Bank has used the Country Risk Management Policy approved by the Board at its meeting held on Previous year the Bank has used the category classification followed by Export Credit Guarantee Corporation of India Limited.

141 Details of Single Borrower Limit (SGL), Group Borrower Limit (GBL) Exceeded by the Bank In terms of the Loan Policy, the exposure to a single borrower should not exceed 15% of Bank s capital funds. In exceptional circumstances with the approval of the Executive Committee of Bank s Board, additional exposure to a borrower up to a maximum of 5% of capital funds may be considered subject to the borrower consenting to the Bank to make appropriate disclosures in its Annual Report. The bank during the year has sanctioned exposure beyond 15% of capital funds with the approval of the Executive Committee of Bank s Board in the case of the following accounts: (a) Individual accounts (Ceiling level 15% of Capital Funds - Rs Cr) (Rs. in crore) Name of the Borrowers Credit Amount Exposure Outstanding Limit i. TATA Projects Limited ii. Housing Development Finance Corporation Ltd (b) Group borrowers (Ceiling level: Rs.1, Cr) Bank has not exceeded the exposure ceiling in any group of borrowers. 7.5 Unsecured Advances (Rs. in crore) Unsecured Advances against intangible securities such as charge over the rights, licenses, authority, etc # Other Unsecured Advances # The estimated value of rights, licences, authorities etc charged on the total amount of advances are as follows: (Rs. in Crores) Miscellaneous 8.1 Amount of Provisions made for Taxes during the year: Particulars Income Tax Wealth Tax Fringe Benefit Tax Dividend Distribution Tax Disclosures of Penalties Imposed by RBI During the year Reserve Bank of India has not imposed any penalty on the Bank. 9. DISCLOSURE AS PER ACCOUNTING STANDARDS (AS) 9.1 ACCOUNTING STANDARDS: AS 5 (Net Profit or Loss for the period, prior period items and changes in accounting policies) There are no material prior period income/expenditure items requiring disclosure under AS ACCOUNTING STANDARD: AS 6 (Depreciation Accounting) Break up of total depreciation for the year for each class of assets is as under: (Rs.crores) Class of Assets Premises Other Fixed Assets Leased Assets Nil Nil 9.3 ACCOUNTING STANDARD: AS 9 (Revenue recognition) Certain items of income are recognized on realization basis as per Accounting Policy No These are considered not material in terms of Reserve Bank of India guidelines, and hence do not require disclosure. 9.4 ACCOUNTING STANDARDS: AS 15 (Revised) - Employee Benefits 1. Significant Changes in the Principal Accounting Policies No significant change in the Principal Accounting Policy during the year. 2. Employee Benefits 2.1 Defined Benefit Pension Plan and Gratuity The following table sets out the status of the defined benefit Pension Plan, Gratuity Plan and Resettlement Plan as required under AS 15: (Rs. in crore) Particulars Pension Gratuity Plans Change in the present value of the defined benefit obligation Opening defined benefit obligation at Current Service Cost Interest Cost Actuarial losses (gains) Past Service Cost (Non Vested Benefit)

142 142 Past Service Cost (Vested Benefit) Benefits paid (37.03) (10.22) Closing defined benefit obligation at Change in Plan Assets Opening fair value of plan assets at Expected Return on Plan assets Contributions by employer Benefit Paid (37.03) (10.22) Actuarial Gains (Losses) Closing fair value of plan assets at Reconciliation of present value of the obligation and fair value of the plan assets Present Value of Funded obligation at Fair Value of Plan assets at Deficit/(Surplus) Experience adjustment on plan assets Experience adjustment on plan liabilities Unrecognised Past Service Cost Net Liability/(Asset) Amount Recognised in the Balance Sheet Liabilities Assets Net Liability / (Asset) recognised in Balance Sheet as at Net Cost recognised in the profit & loss account Current Service Cost Interest Cost Expected return on plan assets (46.47) (17.19) Net actuarial losses (Gain) recognized during the quarter (75.37) (20.49) Past Service Cost (Non Vested Benefit) Recognised Past Service Cost (Vested Benefit ) Recognised Total costs of defined benefit plans included in current year P&L under Sch 16 Payments to and provisions for employees Reconciliation of expected return and actual return on Plan Assets Expected Return on Plan Assets Acturial Gain/ (loss) on Plan Assets Actual Return on Plan Assets Reconciliation of opening and closing net liability recognized in Balance Sheet Opening Net Liability as at Expenses as recognized in profit & loss account (39.00) (7.17) Employers Contribution (19.20) 0.00 Net liability/(asset) recognized in Balance Sheet as at Expected Contribution in the next Financial Year ( ) Investments under Plan Assets of Gratuity Fund & Pension Fund (Other than accrued interest, Bank balance and other assets) as on are as follows: (Rs. in crore) CATEGORY OF ASSETS Gratuity Fund Pension Fund Amount % of Amount % of Plan Assets Plan Assets Out of the above following investment are made in State Bank of India : (Rs. in crore) CATEGORY OF ASSETS Gratuity Fund Pension Fund Amount % of Amount % of Plan Assets Plan Assets All the actuarial gains and losses have been fully recognized in the statement of profit and loss. 2.4 Brief description of type of plan: Pension is paid to all eligible pension optees, on superannuation, voluntary retirement, etc. To be eligible for pension, the employee should have put in minimum ten years of service. Gratuity is payable to all eligible employees on superannuation, voluntary retirement, etc. To be eligible for gratuity, the employee should have put in minimum 5 years of service. 2.5 The expected return on plan assets over the accounting period is based on an assumed rate of return. The assumed rate of return is 8% per annum. 2.6 Principal assumptions considered in the actuarial report: - Particulars Defined Benefit Gratuity Pension Plans Discount Rate as at % 7.00% Expected Rate of return on Plan Asset as at % 7.50% Salary Escalation as at % 6.00% Discount Rate as at % 7.00% Expected Rate of return on Plan Asset as at % 7.50% Salary Escalation as at % 6.00% 2.7 The estimates of future salary increase, considered in actuarial valuation, take into account of inflation, seniority, promotion and other relevant factors such as supply and demand in the employment market.

143 Defined Contribution Plan 3.1 Amount of Rs crores is recognised as an expense towards the Provident Fund scheme of the Bank included under the head Payments to and provisions for employees in profit and loss account. 4. Other Long term Employee Benefits 4.1 Amount of Rs crores is recognised as an expense towards Other Long term Employee Benefits included under the head Payments to and provisions for employees in profit and loss account. 9.5 ACCOUNTING STANDARD: AS 17 (Segmental Reporting) Part A: Business Segments Pursuant to RBI Guidelines, the Bank has re-classified the business segments in which the Bank operates into: a. Corporate/Wholesale Banking b. Retail Banking c. Treasury and d. Other Banking Operations The classification has been done on the basis of following criteria: i) Wholesale/Corporate Banking: All loan and advance accounts with exposure of above Rs 5.00 crore are classified under wholesale/corporate Banking. ii)retail: All loan and advance accounts which are not covered above will be taken as Retail Banking. iii) Treasury: Entire investment portfolios are classified under Treasury segment. iv) Other Banking Operations: The Bank does not have Other Banking Operations Segment. Allocation of Income and Expenses and Assets/ Liabilities: (a) Income and Expenses and Assets/Liabilities directly attributed to particular segment are allocated to the relative segment. (b) Items that are not directly attributable to segments are allocated to retail and wholesale segments in proportion to the business managed/ratio of number of employees/ratio of directly attributable income. (c) The bank has certain common assets/liabilities and income/expense that cannot be attributed to any particular segment and hence the same are treated as unallocated. Part B: Business segments Business Segments Treasury Corporate/ Retail Other (Rs. in crore) Total Wholesale Banking Banking Banking Operations Particulars Revenue Result $ Unallocated expenses Operating profit Income taxes Extraordinary profit/ loss Net profit Other Information: Segment assets Unallocated assets Total assets Segment liabilities Unallocated liabilities 1.56 Total liabilities $ Operating Profit is arrived at after deduction of provisions & contingencies of Rs Crores (Rs Crores)

144 144 Part C: Geographic Segment The Bank operates only in the Domestic segment and therefore, no separate disclosure under geographic segment is made. 9.6 ACCOUNTING STANDARD: AS 18 (Related Party Disclosures) Related Party Disclosures: The Key Managerial Personnel of the Bank and their remuneration (including Superannuation benefits) are as below: Shri. A. K. Jagannathan, Managing Director (Period: ) Salary & Allowances: Rs.10,22,764/-; Perquisites: Rs.2,23,404/- Note: As all the other related parties are State Controlled Enterprises as defined in AS - 18 issued by the Institute of Chartered Accountants of India, transactions with them are not disclosed. 9.7 ACCOUNTING STANDARD: AS 19 (LEASES) The properties taken on lease/rental basis are renewable/ cancelable at the option of the bank. The Bank s liabilities in respect of disputes pertaining to additional rent/lease rent are recognized on settlement or on renewal. 9.8 ACCOUNTING STANDARD: AS 20 Earnings Per Share Earnings per share has been computed as under: (Rs. in crore) Particulars Net Profit (Rs. in crore) Weighted Average Number of Equity Shares 500,00, ,00,000 Earnings per share in Rupees Basic Earnings per share in Rupees Diluted ACCOUNTING STANDARD: AS 22 Accounting for Taxes and Income The breakup of the Deferred Tax Assets (DTA) and Deferred Tax Liabilities (DTL) as on 31st March 2010 into major components of the respective balances are as under: (Rs. in crore) Tax effects Opening Adjustment Closing of timing balance during balance differences as on the year as on In P&L Deferred Tax Assets: Provision for Bad & Doubtful debts and Provision on Standard Assets Nil Provision on Employee Benefits (12.72) Other items Depreciation & Amortisation of Investments (19.46) Total Deferred Tax Assets (0.65) Deferred Tax Liabilities: Depreciation on Fixed Assets 1.56 Nil 1.56 Total Deferred Tax Liabilities 1.56 Nil 1.56 Net Deferred Tax Assets / (Liabilities) (0.65) ACCOUNTING STANDARD: AS 28 Impairment of Assets In the opinion of the Bank management, there is no impairment to the assets to which Accounting Standard 28 - Impairment of Assets applies.

145 ACCOUNTING STANDARD: AS 29 Statement of Provisions, Liabilities and Contingent Liabilities a) Movement in Provision for contingent liabilities (Rs in crore) Particulars Current Previous Year Year Balance as on 1st April Additions during the year Nil Nil Utilised/Reversed during the year Nil Nil Balance as on 31st March b) Contingent liabilities Liabilities at Item No. I, VI and VII of Schedule 12 of the Balance Sheet are dependent upon the outcome of court / arbitration / out of court settlement, disposal of appeals, the amount being called up, terms of contractual obligations, development and raising of demand by concerned parties, respectively. c) Claims against the Bank not acknowledged as debts comprise tax demands in respect of which the Bank is in appeal of Rs crores and the cases sub-judice Rs crores. The above are based on the management s estimate and no significant liability is expected to arise out of the same. 10. Fixed Assets a) Depreciation on flats has been provided on the actual cost of acquisition, as land value is not separately available b) Gross value of Fixed Assets (other than Premises) jointly owned by State Bank of India and other Associate Banks amounts to Rs crores (Previous year Rs Crores). The share of the Bank is Rs crores (Previous year Rs crores). 11. Reconciliation Inter-Branch transactions, Accounts with State Bank of India & Associate Banks, Government Transactions accounts (Central & State), Draft Payable Account, Nostro accounts, System Suspense account, Clearing and other Adjusting Accounts are at various stages of reconciliation. In the opinion of the management there will not be any material impact of such reconciliation on the financial statements. 12. Other/Additional Disclosures 12.1 Details of Provisions and Contingencies (Rs. in crore) Break up of Provisions and Contingencies shown under the head Expenditure in Profit & Loss account Provision for Depreciation on Investment (20.47) Provision towards NPA Floating Provisions Provision towards Standard Asset Provision made towards Income Tax * Other Provision and Contingencies (with details) a) Provision for int. sacrifice on restructured NPA a/cs. (4.62) 4.22 b) Provision for int. sacrifice on restructured Std. Assets 7.68 (8.90) c) Provision for int.sacrifice on restructured Standard accounts Non CDR d) Provision for other Miscellaneous items e) Provision for Wage Arrears f) Provision for Fringe Benefit Tax g) Deferred Tax 0.65 (48.65) h) Wealth Tax TOTAL *net of excess provision written back of Rs crores (Rs crs during ) pertaining to previous years Floating Provisions (Rs. in crore) Particulars (a) Opening Balance in the floating provisions account (b) The quantum of floating provisions made in the accounting year Nil (c) Amount of draw down made during the accounting year Nil (d) Closing balance in the floating provisions account

146 Concentration of Deposits, Advances, Exposures and NPAs A. Concentration of Deposits (Rs.in crores) Particulars Total Deposits of Twenty Largest Depositors Percentage of Deposits of Twenty Largest Depositors to Total Deposits of the Bank B. Concentration of Advances (Rs.in crores) Particulars Total Advances to Twenty Largest Borrowers Percentage of Advances of Twenty Largest Borrowers to Total Advances of the Bank C. Concentration of Exposures (Rs.in crores) Particulars Total Exposure to Twenty Largest Borrowers / Customers Percentage of Exposures to Twenty Largest Borrowers / customers to Total Exposure of the Bank on borrowers / customers D. Concentration of NPAs (Rs.in crores) Particulars Total Exposure to Top Four NPA Accounts Sector-wise NPAs Sl.No. Sector %age of NPAs to Total Advances in that Sector Agriculture & Allied Activities Industry (Micro & Small, Medium and Large) Services Personal Loans Movement of NPAs (Rupees in crores) Particulars Gross NPAs* as on 1st April of particular year (opening balance) Additions (Fresh NPAs) during the year Sub-Total (A) Less:- (i) Upgradations (i) Recoveries (excl. recoveries made from upgraded accounts) (ii) Write-offs Sub-Total (B) Gross NPAs as on 31 st March of following year (closing balance) (A-B) * Previous year s figures have been reworked as per RBI guidelines Overseas Assets, NPAs and Revenue Particulars (Rs. in crore) Total Assets Total NPAs Nil Total Revenue Provision coverage ratio Particulars Provisioning to Gross Non Performing Assets of the Bank Off-Balance Sheet SPVs sponsored Name of the SPV sponsored Domestic Overseas Nil Nil 12.9 Disclosure of Complaints A. Customer Complaints a) No. of Complaints pending at the beginning of the year 33 b) No. of Complaints received during the year 1483 c) No. of Complaints redressed during the year 1478 d) No. of Complaints pending at the end of the year 38 B. Award passed by the Banking Ombudsman a) No. of Unimplemented Awards at the beginning of the year Nil b) No. of Awards passed by the Banking Ombudsmen during the year Nil c) No. of Awards implemented during the year Nil d) No. of Unimplemented Awards at the end of the year Nil Others a. The Bank implemented the Agriculture Debt Waiver and Relief Scheme 2008 (ADWDRS) as per the

147 147 directives of Government of India. The eligible amount receivable under the Debt Waiver scheme and Debt Relief scheme is Rs Crores and Rs Crores respectively. The amount is receivable from the Government in four installments, out of which the bank has so far received Rs crores in three installments as shown below: Date of receipt Amount in Rs. crore Total Adequate provision for the Loss on Present Value basis in respect of the amount receivable from the eligible farmers has been made up to Rs.1.17 Crore (Rs.1.17 Crore). The Government of India has also decided to pay interest on the instalments payable by them. The Bank has recognised a sum of Rs.5.05 Crore in the Profit & Loss account on account of such interest receivable under the scheme. The Bank has received an amount of Rs.2.37 crore so far on this account. b. The bank has not received the necessary information from the suppliers/service providers covered under Micro, Small, Medium Enterprises Development Act, 2006, with regards to their registration with the appropriate authority. Hence the information required to be disclosed under section 22 of the said Act is not given. c. In terms of RBI Circular No.DBOD.BP.BC.No.133/ / dated , an amount of Rs.6.50 Crore has been transferred to Profit & Loss Account and included in Other Income being the individual credit entries of value less than USD 2500 or equivalent, originated up to March 2002 and outstanding in the Nostro accounts Disclosure of Letter of Comforts (LoCs) issued by banks Letter of comfort issued for Buyer s credit are as follows: Rs. in Crores Forward Exchange Contracts Outstanding as on Rs.6, crore Fees/Remuneration received in respect of Bancassurance business undertaken by the Bank The Bank has received the following fees/remuneration in respect of the Bancassurance business undertaken by the Bank. (Rs. in crore) Sl. Nature of income No. 1. For selling Life Insurance Policy For selling non-life Insurance Policy For selling mutual fund products Others - SBI Cards The Bank has implemented a Special Home Loan Scheme for the period Dec 2008 to Jun 2009, arising out of which one time insurance premium has been paid covering the life of the borrowers over the tenure of the home loan availed. The total premium paid amounting to Rs Crores on account of such scheme is being charged off over the average loan period and accordingly 1/10th of the premium has been charged to profit and loss account Previous year s figures have been regrouped / rearranged wherever necessary. Jameela Prakasam Deputy General Manager (Finance and Accounts) Saswata Chaudhuri General Manager (Treasury) S Balachandran Chief General Manager A K Jagannathan Managing Director DIRECTORS K C Bandyopadhyay S A Thimmiah B S Gopalakrishna K Thanu Pillai Gyan Chand Pipara A Sethumadhavan P Vinayagam As per our report of even date AUDITORS For Prem Gupta & Company For Sodani & Company Chartered Accountants Chartered Accountants Anil Kumar Gupta Rajesh Sodani Partner Partner Membership No Membership No FRN No N FRN No C For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain Chartered Accountants Chartered Accountants Chartered Accountants Samir Kumar Saha C. Kameswara Rao Niranjan M. Jain Partner Partner Partner Membership No Membership No Membership No FRN No E FRN No S FRN No W Kozhikode, 23rd April 2010 O P Bhatt Chairman

148 148 CASH FLOW STATEMENT FOR THE YEAR ENDED 31 st MARCH 2010 STATE BANK OF TRAVANCORE (Rs. in thousand) For the year ended For the year ended A. CASH FLOW FROM OPERATING ACTIVITIES ( ) B. CASH FLOW FROM INVESTING ACTIVITIES ( ) ( ) C. CASH FLOW FROM FINANCING ACTIVITIES ( ) ( ) NET CHANGE IN CASH AND CASH EQUIVALENTS (A+B+C) ( ) D. CASH & CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR E. CASH & CASH EQUIVALENTS AT THE END OF THE YEAR (A+B+C+D) A. CASH FLOW FROM OPERATING ACTIVITIES Net Profit for the year Add :Provision for Income Taxes & Fringe Benefit Tax Provision for other Taxes Deferred taxes ( ) Net Profit before Taxes Adjustment for : Depreciation charges Provision for NPAs Provision on standard assets 0 0 Depreciation on Investments ( ) Amortisation of Investments Other provisions Defered Revenue Expenditure written off during the year 0 0 Dividend from subsidiaries (investing activity) 0 0 Interest paid on Innovative Perpetual Debt Instruments Interest paid on Upper Tier II Bonds Interest paid on SBT Bonds Less : Direct Taxes SUB-TOTAL Adjustment for : Increase / (Decrease) in Deposits Increase / (Decrease) in Borrowings ( ) (Increase) / Decrease in Investments ( ) ( ) (Increase) / Decrease in Advances ( ) ( ) Increase / (Decrease) in Other Liabilities ( ) (Increase) / Decrease in Other Assets ( ) NET CASH PROVIDED BY OPERATING ACTIVITIES ( ) B. CASH FLOW FROM INVESTING ACTIVITIES Investments in Subsidiaries and/or Joint Ventures 0 0 Income earned on such Investments 0 0 Fixed Assets ( ) ( ) NET CASH USED IN INVESTING ACTIVITIES ( ) ( ) C. CASH FLOW FROM FINANCING ACTIVITIES Share Capital 0 0 Share Premium 0 0 Issue of Innovative Perpetual Debt Instruments 0 0

149 149 (Rs. in thousand) For the year For the year ended ended Issue of Upper Tier II Bonds 0 0 Issue of Subordinated Bonds 0 0 Redemption of IPDI Bonds 0 0 Redemption of Upper Tier II Bonds 0 0 Redemption of Subordinated Bonds ( ) 0 Interest Paid on Innovative Perpetual Debt Instruments ( ) ( ) Interest Paid on Upper Tier II Bonds ( ) ( ) Interest Paid on Bonds ( ) ( ) Dividends Paid ( ) ( ) NET CASH PROVIDED BY FINANCING ACTIVITIES ( ) ( ) D. CASH & CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR i) Cash in hand (including foreign currency notes and gold) ii) Balances with Reserve Bank of India iii)balances with Banks and Money at Call and Short Notice E. CASH & CASH EQUIVALENTS AT THE END OF THE YEAR i) Cash in hand (including foreign currency notes and gold) ii) Balance with Reserve Bank of India iii)balances with Banks and Money at Call and Short Notice Jameela Prakasam Deputy General Manager (Finance and Accounts) Saswata Chaudhuri General Manager (Treasury) S Balachandran Chief General Manager A K Jagannathan Managing Director O P Bhatt Chairman DIRECTORS K C Bandyopadhyay S A Thimmiah B S Gopalakrishna Gyan Chand Pipara A Sethumadhavan P Vinayagam K Thanu Pillai As per our report of even date AUDITORS For Prem Gupta & Company For Sodani & Company Chartered Accountants Chartered Accountants Anil Kumar Gupta Rajesh Sodani Partner Partner Membership No Membership No FRN No N FRN C For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain Chartered Accountants Chartered Accountants Chartered Accountants Samir Kumar Saha C. Kameswara Rao Niranjan M. Jain Partner Partner Partner Membership No Membership No Membership No FRN E FRN S FRN W Kozhikode, 23rd April 2010

150 150 tã v _m v Hm^v C ybv v ka n- p HmUn- am-cpss dnt m v 1959 se tã v _m v Hm^v C y (D]mwK _m p-iƒ) \nbaw hip v 41 (1) {]Imcw \nb-an tã v _m v Hm^v {Smh Iqdns HmUn- am-cmb Xmsg H n- n-cn- p- R߃ C{]-Imcw dnt m p-sn-øp- p. 1. tã v _m v Hm^v {Smh Iq-dns 2010 am v 31 se CtXm-sSm w tn Øn-cn- p BkvXn-_m-[yXm ]{Xhpw B Znhkw Ah-km-\n- p h j-ønse _m ns em`-\jvsiw- p-ifpw ]W{]hmlhnhcWhpw R߃ HmUn p snbvxp. CXn {]mtz-ini Imcym-e-bß-fnsebpw apjy Imcym-e-bØnse hnhn[ hn`m-k-ß-fn-sebpw R߃ HmUn p snbvx 20 imj-ifnsebpw a p HmUn- am HmUn p snbvx 689 imj-ifnsebpw IW- p-ifpw Dƒs m- n- n- p- v. dnk v _m v Hm^v C y-bpss am -\n t±-i-ßsf ASn-ÿm-\- am- n-bmwv R߃ HmUn v snbvx imji-sfbpw a p HmUn- am HmUn- p-snbvx imji-sfbpw _m v sxcs SpØXv. HmUn- n\p hnt[-b-am- s -Sm-Ø-Xpw -{_m v amt\p km ys SpØn bxpamb 37 imj-i-fpss IW- p-ifpw Cu BkvXn _m[yxm ]{XØnepw em`-\ IW- nepw Dƒs -Sp-Øn-bn p- v. hmbv]-i-fpss 0.06 ixam-\-hpw, \nt ]ßfpsS 0.28 ix-am-\hpw, ]eni hcp-am-\-øns 0.01 ix-am-\hpw ]en-i-s -e-hns 0.03 ix-am-\-hpw BUn- n\p hnt[-b-am- -s -SmØ Cu imj-i-fp-ts-xm-wv. Cu kmº-øni hnh-c-wßsf mw _m v amt\-pvsa ns DØ-c-hm-Zn-Xz- Ønep Xm-Wv. Rß-fpsS HmUn- ns\ ASn-ÿm- \-am n {]kvxpx kmº-øni hnh-c-w-ßsf kw_- n v A`n-{]mbw {]I-Sn- n- pi F -XmWv Rß-fpsS DØ-c-hm-Zn-Xzw. 2. C y-bn km[m-c-w-bmbn kzoi-cn- n-cn- p HmUn v \ne-hm-c-߃ ASn-ÿm-\-am- n-bmwv R߃ Rß-fpsS HmUn v \S-Øn-bn- p- -Xv. {]kvxpx kmº-øni hnh-c-w-߃ kwk-x-amb sx mb hnh-c-ß-fn \n v hnap- -amtwm F - Xn\v Dd p e`n- p Xn\mbn Rß-fpsS HmUn v Bkq-{XWw snbvxv \S-ØpI F -XmWv Cu coxn-bn Bh-iy-s -Sp- -Xv. kmº-øni hnh-c-w-ßfn ]d- n-cn- p kwjy-i-fp-ssbpw shfn-s -Sp-Ø-ep-I-fpsSbpw sxfn-hp-iƒ ]co- -Wm- Sn-ÿm-\-Øn ]cn-tim-[n- pi F Xpw HmUn- n Dƒs -Sp- p. _m v amt\-pvsa v Ah-ew-_n- n-cn- p coxnbpw {]apj A\p-am-\-ßfpw am{x-a samø-øn-ep kmº-øni hnh-c-w-ßfpss Ah- X-c-WsØ kw_- n hne-bn-cp-øepw HmUn- n Dƒs Sp- p. Rß-fpsS A`n-{]mb cq]h cw Øn\v Rß-fpsS HmUn v \ymb-amb ASn-ÿm\w e`y-am- n-bn- p-s v R߃ hniz-kn- p- p. 3. BkvXn-_m-[yXm ]{Xw, em`-\jvsiw- p-iƒ, F nh 1949 se _m nwkv sdkp-te-j BIvSv aq m-]- ni {]Im-c-ap t^mdw G, _n, F n-hbn-emwv bym-{iaw Xøm-dm- n-bn- p- Xv 4. hnhn[ C\ßfnse s]mcp-ø-s -Sp-Ø-ep-Isf kw_- n- n-s-tømfw, ] ni 18 \p NphsSbp Ipdn v 11- -te p {i Wn- p- p. 5. api-fn H mw Jfin-I-bn kqnn- n- n- p HmUn- ns ]cn-an-xn-iƒ p hnt[-b-ambpw, se tã v _m v Hm^v C y (D-]mwK _m p-iƒ) \nbahpw N -ßfpw Bh-iy-s -Sp- -Xn-\-\p-k-cn pw, AXn {]Im-c-ap shfns SpØ-ep-IfpsS ]cn-an- Xn-Iƒ p hnt[-b-am-bpw, R߃ C{]-Imcw dnt m p snøp- p. F. Rß-fpsS Adn-hnepw hnizm-k-ønepw s] n- S-tØm-fw, HmUn n\mhiyamb F m hnhc ßfpw hnizoicwßfpw R߃ v e`n- p. Ah-sb mw Xr]vXn-I-c-am-bn-cp p. _n. Rß-fpsS {i -bn s]- n-s-tømfw _m ns CS-]m-Sp-I-sf mw _m ns A[nImc ]cn[nbn s -h-bmwv. kn. _m ns Hm^o-kp-I-fnepw imjifnepw \n v e`n IW p ] ni RßfpsS HmUn v Bhiy-Øn\p XnI pw ]cym-]vx-am-bn-cp- p. 6. Rß-fpsS A`n-{]m-b-Øn, BkvXn-_m-[yXm ]{Xhpw em`-\- - -W pw ]W{]hml hnhcwhpw _m[iamb A u nwkv am\z-fi߃ v A\p-tbm-Py-am-Wv. 7. _m ns IW- p-_p- p-i-fn ImWn- n p - Xns\bpw, R߃ v e`n hnh-c-ß-ƒ, hni-zo-ic-w-߃ F nhsb ASn-ÿm-\-am- nbpw, Rß-fpsS A`n-{]m-b-Øn :

151 151 i) IW-s -gpøv \b-ßfpw A\p-_- -amb Ipdn- p-i-fp-ambn tn Øp-hm-bn- p-tºmƒ, BkvXn _m[yxm-]-{xw, Bh-iy-amb F m hnh-c-ßfpw ASßn-b-Xpw, C y-bn km[m-cw KXn-bn AwKo-I-c-n -s - n- p A u- nwkv XXz-߃ v A\p-kr-X-ambn 2010 am v 31 se _m ns ]cnxÿnxniƒ kxy-k- -ambpw hkvxp \njvtambpw {]I-Sn- n- p-amdv icn-bmb coxn-bn Xømdm- -s - n- p- -Xp-am-Ip- p. ii) IW-s -gpøp \b-ßfpw Ipdn- p-i-fp-ambn tn Øp- hmbn- p-tºmƒ, em` \ - -W- v, C ybn km[m-c-w-k-xn-bn AwKo-I-cn- -s - - n- p A u- nwkv XXz-߃ v A\p-kr-X-am-bn, IW- p-h jsø bym em`-øns _m n-bmwv ImWn- p- -Xv. iii) ]W-{]-hml hnh-c-ww, {]kvxpx Xob-Xn-bn Ah-km-\n- p h jsø ]W-{]-hm-l-Øns kxy-k- hpw hkvxp \njvt-hp-amb Hcp ZriyamWv \ Ip- Xv. t{]w Kp]vXm B Uv tkmum\n B Uv Iº\nbv v th n Iº\nbv v th n Nm t Uv A u- vkv Nm t Uv A u- vkv A\n Ipam Kp]vX cmtpjv tkmum\n ] mfn ] mfn AwKXz kwjy AwKXz kwjy F^v B F F F^v B F kn kmlm KmwKpen B Uv cma\myw B Uv spbn B Uv Atkmkntb vkn\p th n dmhphn\v th n spbn\n\p th n Nm t Uv A u- vkv Nm t Uv A u- vkv Nm t Uv A u- vkv kao Ipam kmlm kn. Imtaizc dmhp \ncrvp Fw. spbn ] mfn ] mfn ] m-fn AwKXz kwjy AwKXz kwjy AwKXz kwjy F^v B F C F^v B F Fkv F^v B F U_vfyp timgnt msv 23 G{]n 2010

152  152 Æ i ] ı]ıı ÈEÚ EÚ ± J { Æ I EÚ Â EÚ Æ { ]«ı Ω, Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x, 1959 EÚ v Æ 41(1) E Ú +v x x HÚ ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ E Ú +v Ω i I Æ ± J -{ Æ I EÚ +{ x Æ { ]«ı i i EÚÆ i ΩÈ EÚ: 1. Ω x ] ı]ı ÈEÚ + Ï Ú j h EÚ Æ E Ú 31 S «2010 E Ú ± Mx i ± x -{ j B x EÚn Ω Æ h + ËÆ = i l EÚ {i π «E Ú ÈEÚ E Ú ± -Ω x J i EÚ ± J -{ Æ I EÚ ΩË, V  + S ± EÚ EÚ «± Â, v x EÚ «± E Ú z M i l Ω Æ u Æ ± J - { Æ I i 20 J B, +x ± J -{ Æ I EÚ Â u Æ ± J -{ Æ I i 689 J B ΩÈ * Ω Æ u Æ ± J { Æ I i J +  i l +x ± J { Æ I EÚ Â u Æ ± J { Æ I i J +  EÚ S x ÈEÚ x Æ i Æ V «ÈEÚ u Æ V Æ M «x nê  E Ú +x Æ EÚ * J v EÚ Â u Æ v i h i i ± x { j B ± i l Ω x J i, 37 J +  EÚ Æ h  EÚ Œ ± i ı EÚ ΩË, V x EÚ ± J { Æ I ± x Ω EÚ ΩË * <x M ËÆ ± J { Æ I i J +  EÚ + O   0.06 i i V Æ Â Â 0.28 i i, V +  0.01 i i i l V  0.03 i i E Ú J i EÚ + ΩË * <x k Æ h  EÚ V n Æ ÈEÚ v x EÚ ΩË * Ω Æ V n Æ <x Æ h  { Æ Ω Æ u Æ EÚ M <«± J { Æ I E Ú + v Æ { Æ i EÚ]ı EÚÆ x i EÚ ΩË * 2. Ω x Æ i  x { EfiÚi ± J { Æ I x EÚ E Ú +x Æ ± J { Æ I EÚ ΩË * <x x EÚ Â EÚ +{ I ΩË EÚ ± J - { Æ I EÚ x V x B x π{ n x Ω < EÚ Æ EÚÆ V < i l EÚ { «{i + x ± EÚ k Æ h ƒ l ± { + i Æ h  HÚ ΩË * ± J { Æ I  { Æ I h x x E Ú + v Æ { Æ, k Æ h  EÚ Æ ƒ i l EÚ]ı EÚÆ h  E ÚÚ l ««EÚ I Œ ± i ΩÈ * ÈEÚ EÚ v x E Ú Ω i { h «+x x B ± J  E Ú + v Æ i x v «Æ h E Ú HÚ ± J r xi  E Ú l - l O k Æ h  E Ú i i EÚÆh B ± EÚx ± J { Æ I  Œ ± i ΩË * Ω Æ ΩË EÚ Ω Æ ± J { Æ I Ω Æ + i Ω i { «{i + v Æ n x EÚÆ i ΩË * 3. i ± x { j ± i l Ω x J i ÈÀEÚM x x + v x 1949 EÚ i fii +x S E Ú GÚ & Ú «B + ËÆ Â i Ë Æ EÚ M ΩË * 4. v n  E Ú i Æ v x E Ú xv  x ]ı. 11, +x S 18 EÚ + Æ v x + EÚÃπ i EÚ M ΩË * 5. ={ «HÚ { ËÆ 1  =Œ±± J i ± J { Æ I EÚ +  E Ú Æ i ] ı]ı ÈEÚ ( x π M ÈEÚ) + v x 1959 B x x u Æ l { I i i l =  +{ I i EÚ]ı EÚÆ h +  E Ú +v v x Ω Æ { ]«ı EÚÆ i ΩÈ EÚ: EÚ) Ω Æ Ê k V x EÚ Æ B E Ú +x Æ ± J { Æ I E Ú ± B V S x B { π]ı EÚÆ h + EÚ l, Ω Â {i Ω M ΩÈ + ËÆ Ω x =xωâ i π V x EÚ { ΩË * J ) ÈEÚ E Ú V ± x n x Ω Æ V x EÚ Æ Â + B ΩÈ, ÈEÚ EÚ HÚ Â E Ú +xi M «i ΩÈ * M ) ÈEÚ E Ú EÚ «±  J +  {i Æ h ƒ Ω Æ ± J { Æ I E Ú V x l «{ «{i { <«M <«ΩÈ * 6. Ω Æ Æ Â, i ± x { j, ± B Ω x J i i l x EÚn Ω Æ h ± J EÚx x EÚ Â EÚ +x { ± x EÚÆ i ΩË * 7. Ω Æ Æ Â + ËÆ V Ω i EÚ Ω Æ V x EÚ Æ ΩË + ËÆ Ω Â n B M B { π]ı EÚÆ h i l ÈEÚ EÚ Ω Â u Æ n à i : i) J i  v i x i  B ± J  E Ú l { `ˆi i ± x -{ j BEÚ { h «i l = S i i ± x { j ΩË V  + EÚ Æ h n B M B ΩÈ, Ω < i Æ Ω i Ë Æ EÚ M ΩË i EÚ <  ÈEÚ { Æ Œ l i  EÚ 31 S «2010 EÚ Ω + ËÆ = S i Œ l i n à i Ω i ΩË B x i Æ i  EfiÚi ± J EÚx u i  E Ú +x { ΩË * ii) ± B Ω x J i ± J EÚx x i  E Ú l { `ˆi ΩÈ i l J i  u Æ EÚ Æ π «E Ú ± B, V x i Æ i  EfiÚi ± J EÚx r xi  E Ú +x { ΩË B ± J ± EÚ Ω i ± x n «i ΩÈ * iii) x EÚn Ω Æ h Æh  Œ ± i π «E Ú x EÚn Ω EÚ l l «B { π]ı { Æ S n i ΩÈ * EfiÚi b x B E Ú{ x x n ± J EÚ Æ EfiÚi M {i B E Ú{ x x n ± J EÚ Æ + x ± E Ú Æ M {i Æ V b x M n Æ M n Æ n i n i B + Æ Bx Bx B + Æ Bx EfiÚi Ω M M ± B B ] ı EfiÚi Æ x l B Æ EfiÚi V Ëx B V Ëx x n ± J EÚ Æ x n ± J EÚ Æ x n ± J EÚ Æ Æ E Ú Æ Ω. EÚ Æ Æ x Æ V x B. V Ëx M n Æ M n Æ M n Æ n i n i n i B + Æ Bx <«B + Æ Bx B B + Æ Bx b ± EÚ π CEÚ c, 23 + ˱ 2010

153 153 AUDITORS REPORT TO STATE BANK OF INDIA We, the undersigned auditors of State Bank of Travancore, appointed under section 41(1) of the State Bank of India (Subsidiary Banks) Act, 1959 do hereby report that: 1. We have audited the attached Balance Sheet of State Bank of Travancore as at 31st March 2010 and also the Profit and Loss Account and the Cash Flow Statement annexed thereto for the year ended on that date, in which are incorporated the returns of Zonal Offices, various departments of Head Office and 20 branches audited by us and 689 branches audited by branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheet and the Profit and Loss Account are the returns from 37 branches duly certified by the Branch Managers, which have not been subjected to audit. These unaudited branches account for 0.06 per cent of advances, 0.28 per cent of deposits, 0.01 per cent of interest income and 0.03 per cent of interest expense. These financial statements are the responsibility of the Bank s Management. Our responsibility is to express an opinion on these financial statements based on our audit. 2. We conducted our audit in accordance with the auditing standards generally accepted in India. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement(s). An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a Kozhikode, 23rd April 2010 reasonable basis for our opinion. 3. The Balance Sheet and the Profit and Loss Account have been drawn up in Form A and B respectively of the Third Schedule to the Banking Regulation Act, Reference is invited to Note No. 11, Schedule-18 regarding status of Reconcilation of various items. 5. Subject to the limitations of the audit indicated in paragraph 1 above and as required by the State Bank of India (Subsidiary Banks) Act, 1959 and Regulations and subject also to the limitations of disclosure required therein, we report that: a) We have obtained all the information and explanations, which to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory. b) The transactions of the Bank, which have come to our notice have been within the powers of the Bank. c) The returns received from the offices and the branches of the Bank have been found adequate for the purpose of our audit. 6. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable accounting standards. 7. In our opinion, as shown by the books of Bank, and to the best of our information and according to the explanations given to us: i) The Balance Sheet read with the Accounting Policies and Notes thereon is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of the state of affairs of the Bank as at 31 st March 2010 in conformity with accounting principles generally accepted in India. ii) The Profit and Loss Account, read with the Accounting Policies and Notes there on shows a true balance of profit in conformity with accounting principles generally accepted in India, for the year covered by the account, and iii) The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date. For Prem Gupta & Company For Sodani & Company Chartered Accountants Chartered Accountants Anil Kumar Gupta Rajesh Sodani Partner Partner Membership No Membership No FRN No N FRN C For Saha Ganguli & Associates For Ramanatham & Rao For Jain & Jain Chartered Accountants Chartered Accountants Chartered Accountants Samir Kumar Saha C. Kameswara Rao Niranjan M. Jain Partner Partner Partner Membership No Membership No Membership No FRN E FRN S FRN W

154 `cw\n lw kanxn v x i The Management Committee