Annualreport2012 13

Left to Right - Shri Vinil Kumar Saxena, Shri Sudhir Kumar Jain Executive Director, Shri Sudarshan Sen,
, Shri P. Srinivas -Executive Director,

Shri Alok Nigam, Shri S. S. Mundra Chairman & Managing Director, Shri Surendra S. Bhandari, Shri Maulin A. Vaishnav, Shri Ajay Mathur,
Shri Rajib Sekhar Sahoo, Shri Satya Dev Tripathi, Shri V. B. Chavan , Shri Ranjan Dhawan Executive Director
yeeeW mes oeeW - eer efJeefveue kegceej mekemesvee, eer megOeerj kegceej pewve - keee&keejer efveosMeke,eer megoMe&ve mesve, eer heer.eerefveJeeme - keee&keejer efveosMeke,
eer Deeueeske efveiece, eer Sme.Sme.cetbo[e - DeOe#e SJeb heyevOe efveosMeke, eer megjsv Sme.YeC[ejer, eer ceewefueve DejefJevo Jew<CeJe, eer Depee ceeLegj,
eer jepeerye mesKej meent, eer mele osJe ef$ehee"er, eer Jeer.yeer.eJneCe, eer jbpeve OeJeve - keee&keejer efveosMeke
efveosMeke ceb[ue / Board of Directors
Jeeef<e&ke efjhees& Annual Report
2012-13
ceneeyebOeke / General Managers

Deej. kes. yebmeue
pes. jcesMe
efJe. Se. Lees
Sme. kes. oeme
megYee<e meer. Deengpee
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Sve. Sve. YeeuesjeJe
[er. [er. efmebieuee
Deej. kes. Dejesje
Sme. Sme. Ieeie
R. K. BANSAL
jepet iegHlee- cegKe meleke&lee DeefOekeejer

[e@. (eerceleer) hee efvelmegjs - cegKe DeLe&Meem$eer
RAJU GUPTA - CHIEF VIGILANCE OFFICER
J. RAMESH
V. H. THATTE
S. K. DAS
SUBHASH C. AHUJA
R. S. SETIA
S. KALYANARAMAN
ANIMESH CHAUHAN
K. N. MANVI
K. D. LAMBA
MOHAR SINGH
K. K. SHUKLA
ARUN SHRIVASTAVA
R. P. MARATHE
RAJESH MAHAJAN
J. D. PARMAR
P. D. SINGH
R. S. ABHYANKAR
R. KOTEESWARAN
D. K. GARG
V. K. GUPTA
K. VENKATA RAMA MOORTHY
K. P. KHARAT
U. K. BIJAPUR
NIRMESH KUMAR
M. L. JAIN
M. M. REDDY
ARUN KUMAR
L. M. ASTHANA
U. C. SINGHVI
D. P. TRIVEDI
E. H. RAHIMAN
P. D. POTNIS
Dr. K. SRINIVASA RAO
N. K. JAIN
S. K. POOJARY
R. K. SHARMA
N. N. BHALERAO
D. D. SINGLA
R. K. ARORA
S. S. GHAG
DR.(SMT.) RUPA NITSURE - CHIEF ECONOMIST
2012-13
uesKee hejer#eke / Auditors

ke=les ue#ceerefveJeeme veerLe SC[ keb.
meveoer uesKeekeej
ke=les yeeee SC[ keb.

meveoer uesKeekeej
ke=les js SC[ js
meveoer uesKeekeej
For Laxminiwas Neeth & Co.

Chartered Accountants
For Brahmayya & Co.

For Ray & Ray

ke=les Sme kes. efceeue SC[ keb.

meveoer uesKeekeej
ke=les Sve.yeer.Sme. SC[ keb.

meveoer uesKeekeej
ke=les kesSSmepeer SC[ keb.

meveoer uesKeekeej
For S. K. Mittal & Co.

For N. B. S. & Co.

For KASG & Co

Head Office
HeOeeve keeee&uee
ye[ewoe neTme, ceeC[Jeer, Je[esoje 390 006.
Baroda House, Mandvi, Vadodara 390 006.
ye[ewoe keeHeexjs mesvj
Baroda Corporate Centre
meer-26, peer-yuee@ke, yeeve-keguee& kee@cHeueskeme, yeeve (Het.), cegbyeF& 400 051.
C-26, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai

400 051.
efveJesMeke mesJeeSb efJeYeeie
Investor Services Department
le=leere leue, ye[ewoe keeheexjs meWj, meer-26, peer-yuee@ke, yeebe-keguee& kee@chueskeme,

yeebe (het), cegbyeF& 400 051.
3 Floor, Baroda Corporate Centre, C-26, G-Block, BandraKurla Complex, Bandra (E), Mumbai 400 051.
jefpemêj SJeb DevlejCe SpeW
Registrars & Transfer Agent
cewmeme& keeJeea kecHetjMesej Hee. efue. Huee veb. 17-24, efJeuejeJe veiej, Fcespe
DemHeleeue kes Heeme, ceeOeeHegj, nwojeyeeo 500 081.
M/s. Karvy Computershare Pvt. Ltd. Plot No. 17-24,

Vithalrao Nagar, Nr Image Hospital, Madhapur, Hyderabad
500 081.
II
rd
2012-13
efJe<ee meteer / Contents

he=
Page
DeOe#eere JekeleJe
02
Chairman's Statement
09
veesefme
15
Notice
15
efveosMekeeW keer efjhees&
19
Directors' Report
61
keeheexjs ieJeveXme efjhees&
99
Report on Corporate Governance
99
JeJemeee oeefelJe efjhees&
138
Business Responsibility Report
138
nefjle Henue - Mesej OeejkeeW mes DeHeerue
161
Green Initiative-Appeal to Shareholders
161
yeemesue II efheuej 3 ekeerkejCe
163
Basel II Pillar 3 disclosures
163
cenlJehetCe& efJeeere meteke
179
Key Financial Indicators
179
HeefjYee<eeSb
181
Definitions
181
legueve-he$e
182
Balance Sheet
182
ueeYe-neefve uesKee
183
Profit & Loss Account
183
vekeoer-eJeen efJeJejCeer
231
Statement of Cash Flow
231
uesKee hejer#ekeeW keer efjhees&
233
Auditors' Report
233
mecesefkele efJeeere efJeJejefCeeeb
236
Consolidated Financial Statements
236
meer F& Dees / meer SHe Dees eceeCeerkejCe
269
CEO / CFO Certification
270
ee@kemeer Heece& / GheefmLeefle heeea / F&meerSme
Proxy Form / Attendance Slip / ECS
2012-13
DeOe#eere JekeleJe
egveewleerhetCe& oewj ceW

meg{ keee&efve<heeove
Sme.Sme.cetbo[e
DeOe#e SJeb eyevOe efveosMeke
efee efnleOeejke,
cegPes en metefele kejles ngS hemeVelee nes jner nw efke yeQke Dee@]He ye[ewoe ves
Je<e& 2012-13 (efJeeere Je<e& 13) kes oewjeve keef"ve egveewefleeeW SJeb Yeejleere
DeLe&JeJemLee ceW DeeqmLejlee kes yeeJepeto ve kesJeue meg{lee efoKeeF& nw yeequke
meceie keejesyeej kes mlej hej jeêreke=le yeQeEkeie #es$e ceW Ske DeieCeer mLeeve
Yeer heehle efkeee nw.
en Gefele nesiee efke DeejbYe ceW Gme keejesyeej heefjMe keer meceer#ee keer
peeS efpemekes Debleie&le meceer#eeOeerve Je<e& kes oewjeve Deehekes yeQke ves heefjeeueve
efkeee nw.
DeeefLe&ke meceer#ee
efJeeere Je<e& 2013 kes oewjeve Yeejleere DeLe&JeJemLee ceW ye{leer cegemHeerefle
kes meeLe meJee&efOeke Oeerceer Je=ef heefjueef#ele ngF& nw. efJeeere Je<e& 2011 keer
eewLeer efleceener ceW JeemleefJeke peer[erheer Je=ef 9.2% keer leguevee ceW efJeeere
Je<e& 2013 keer leermejer efleceener ceW 4.5% leke DeeOeer mes DeefOeke kece nes
ieF& pees 15 efleceeefneeW ceW meJee&efOeke kece nw. Geesie SJeb mesJee #es$e ceW leerJe
ceboer Iejsuet veerefle keer DeefveeqeleleeSb, hetJe&Jeleea ceewefke efveeb$eCe ceW DeeqmLejlee
SJeb yeenjer ceebie ceW keceer kee Demej heefjueef#ele neslee nw. ke=ef<e Je=ef ceW
meblegueve keer eqmLeefle ves Je=ef keer mebYeeJeveeDeeW kes meeLe-meeLe cegemHeerefle
keer DeeMebkee Yeer Jee keer nw. eeefhe, ns[ueeFve cegemHeerefle (Leeske cetue
metekeebke DeeOeeefjle) efJeeere Je<e& 13 keer 7.58.1% keer leguevee ceW
efJeeere Je<e& 13 (ceee&, 2013) keer otmejer ceener ceW 5.96% kes mlej hej
efveeb$eCe ceW Deeves mes Kegoje (Leeske cetue metekeebke DeeOeeefjle) cegemHeerefle,
Ge Keee-mHeerefle kes meeLe-meeLe oes DebkeeW kes mlej hej DeJe jner.
Je=ef kes Kejeye heefjMe kes yeeJepeto, Yeejleere efj]peJe& yeQke ves jshees oj
Deewj SmeSueDeej heleske kees 100 DeeOeejYetle Debke leLee meerDeejDeej kees
75 DeeOeejYetle Debke leLeeefhe, eefceke he ceW Ieekej Je=ef-mHeerefle
meefeelee kees meeJeOeeveerhetJe&ke efveebef$ele efkeee.
Oeerceer Je=ef kes DeueeJee, Yeejleere DeLe& JeJemLee ceW iebYeerj yeee Demeblegueve
efoKeeF& efoee efpememes kece efveee&le Je=ef leLee Ge lesue SJeb mJeCe& Deeeele
kes keejCe cetue he mes keejesyeej Iees kes keejCe efJeeere Je<e&-13 keer
leermejer efleceener ceW eeuet Keelee Ieee (meerS[er) 6.7% kes meJeexe mlej hej
hengbe ieee. eeuet Keelee Iees kes Ge mlej hej nesles ngS Yeer, yesnlej
hees&Heesefueees SJeb F&meeryeer DeeJeke kes keejCe heee-[e@uej efJeefvecee oj
Jeebefle meercee kes Deboj ner jner.
DeLe&JeJemLee ceW meceie ceboer kes eueles Devegmetefele JeeefCeeqpeke yeQkeeW keer
pecee SJeb $e+Ce Je=ef Je<e&Yej Dehesef#ele mlej mes kece jner. Kegoje cege
mHeerefle Ge mlej hej jnles ngS Devegmetefele JeeefCepe yeQkeeW kees peceejeefMeeeW
hej DeefOeke yeepe osvee he[e leeefke mJeCe& SJeb Deve Deeke<e&ke efveJesMeeW kes
nesles ngS, Gvekee pecee DeeOeej yevee jns. Fmekes yeeJepeto Yeer Je<e& Yej $e+Ce
Je=ef keer leguevee ceW peceeJe=ef 250 mes 300 DeeOeejYetle efyeog kece jner.
Fmekes Deefleefje, keeheexjs #es$e mes efveJesMe kece nesves leLee heefjeespeveeDeeW
kes ke peeves kes keejCe yeQkeeW keer Deeeqmle iegCeJeee keer eEelee ye{ ieF&
peyeefke mejkeejer #es$e ves efJeeere DevegMeemeve keer heeeqhle kes efueS Deheves
KeeeX kees meerefcele kej efoee.
yeQke Dee@]He ye[ewoe egveewleerhetCe& oewj ceW meg{lee
efJe<ece oerIe& heefjeqmLeefleeeW kes nesles ngS Yeer Deehekes yeQke ves efJeeere Je<e&
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ceW GYeje. Deehekes yeQke kee Jewefeke keejesyeej ceee&, 2012 Deewj ceee&,
2013 kes ceOe leke 19.3% (Je<e&-oj-Je<e&) keer Je=ef oj mes `.6,72,248
kejes[ mes ye{kej `.8,02,069 kejes[ nes ieee.
leLeeefhe, Yeewefleke DeeeqmleeeW kes he ceW Deeke<e&ke Jewkeequheke DeJemejeW kes
nesles ngS Yeer en Geesie kes Deewmele mlej mes DeefOeke 23.1% kes mlej hej
kegue peceejeefMeeeb heehle kejves ceW meHeue jne. Fmekeer Jewefeke keemee
(Deuhe ueeiele) peceejeefMeeeb efJee Je<e& 2013 ceW 15.9% (Je<e&-oj-Je<e&) keer
oj mes ye{ kej `.1,19,981 kejes[ nes ieF& nQ. FmeceW Iejsuet keemee kee
DebMe 30.4% nw.
Deehekes yeQke ves kegue Deee ceW 17.3% (Je<e&-oj-Je<e&) keer Meeveoej Je=ef ope&
keer nw Deewj en yeepe Deee ceW 18.6% keer Je=ef leLee Deve (iewj-yeepe)
Deee ceW 6.1% keer Je=ef kes meceLe&ve mes efJeeere Je<e& 2013 ceW `.38,827.28
kejes[ kes mlej hej hengbe ieF& nw. meerefcele heefjefveeespeve DeJemej nesves kes
yeeJepeto Deehekes yeQke keer Meg yeepe Deee (SveDeeF&DeeF&) 9.7% (Je<e&-ojJe<e&) keer oj mes ye{ kej `.11,315.26 kejes[ nes ieF&.
Deehekes yeQke ves ye[s SJeb efce[ keeheexjs, SceSmeSceF&, Kegoje SJeb ke=ef<e #es$e
kees meblegefuele $e+Ce-mebefcee heoeve kej Deheves $e+Ce-mebefJeYeeie ceW 14.2% keer
Je=ef keer nw. hetJe& keer Yeebefle Deehekes yeQke kee Deeeqmle iegCeJeee Devegheele, ye[s
Deekeej kes meeJe&peefveke #es$e kes yeQke-Jeie& ceW meyemes kece jne. Fmekee
mekeue SveheerS 2.40% leLee Meg SveheerS 1.28% jne.
efJeeere Je<e& 2013 kes oewjeve GuuesKeveere Deeweesefieke ceboer kes yeeJepeto
Deehekes yeQke kee heefjeeueve ueeYe (mekeue ueeYe) mekeejelceke jne. en
efJee Je<e& 13 ceW 4.9% (Je<e&-oj-Je<e&) keer oj mes ye{ kej `.8,999.15
kejes[ nes ieee nw. peneb leke Meg ueeYe kee mebyebOe nw, en efJee Je<e& 12
kes `.5,006.96 kejes[ keer leguevee ceW efJee Je<e& 2013 ceW Ie kej
`.4,480.72 kejes[ nes ieee. Fmekee keejCe SveheerS kes efueS Gelej
heeJeOeeve kejvee Lee.
Deehekes yeQke ves Gelej heeJeOeeve keJejspe Devegheele kes efueS efJeJeskehetCe&
eqkeesCe Deheveevee peejer jKee nw. 31 ceee&, 2013 kes Devegmeej Fmekee
$e+Ce-neefve-keJejspe-Devegheele Deheves meceke#e meeJe&peefveke #es$e kes yeQkeeW mes
Dehes#eeke=le 68.24% kes Gelej mlej hej jne.
hetJe& keer Yeebefle, Deehekes yeQke kee efJeosMeer heefjeeueve, keejesyeej kee kesv
eEyeog jne. efJeeere Je<e& 2013 ceW yeQke kes kegue keejesyeej ceW Gmekee eesieoeve
29.4%, heefjeeueve ueeYe ceW 24.6% leLee cegKe Meguke Deee ceW 34.2%
jne.
Fmekeer meceie cepeyetleer ceW Fmekeer hetbpeer kee Yeer Dence eesieoeve jne nw.
Fmekee meerDeejSDeej (yeemesue-II) 13.30% leLee 31 ceee&, 2013 kees
erej-I hetbpeer 10.13% jner. Deehekee yeQke Deheveer ye{eslejer kes efueS ner veneR
yeequke yeemesue-III keer DeeJeMekeleeDeeW kees hetje kejves kes efueS mecegefele he
mes hetbpeerke=le nw.
efJeeere Je<e& 2013 kes oewjeve keee&veerefle henueW
efJeosMeer keejesyeej
Deehekee yeQke Je<e& 1953 ceW efJeosMeer #es$eeW ceW Deheves heebJe peceeves kes mecee
mes ner efJeosMeer Jeeheej pegeves kes efueS MeeKee leb$e ceW efvejblej efJemleej
2012-13
kejlee jne nw. Fme Je<e& [erDeeF&SHemeer, ogyeF& ceW yeQke kes 100 JeW keeee&uee
kee Ssefleneefmeke GoIeeve ceeveveere kesvere efJee ceb$eer, Yeejle mejkeej ves
efkeee. 31 ceee&, 2103 kees yeQke kes 24 osMeeW ceW 100 keeee&ueeeW kes eje
heefjeeueve efkeee peelee Lee. Fve 100 keeee&ueeeW ceW 60 yeQke MeeKeeSb,
Fmekeer efJeosMe eqmLele meneeke kebheefveeeW keer 39 MeeKeeSb leLee Ske
heefleefveefOe keeee&uee Meeefceue nw. Deehekes yeQke keer Debleje&êre mlej hej
Je==no GheeqmLeefle Fmes ogefveee Yej ceW peesefKece-efJeefJeOelee kee GuuesKeveere
ueeYe heoeve kejleer nw. Deehekes yeQke ves efJeeere Je<e& 2013 ceW 12 veF&
MeeKeeSb/keeee&uee (meneeke kebheefveeeW meefnle) Keesues. es MeeKeeSb/
keeee&uee efme[veer, Deem^sefueee, [erDeeF&SHemeer, ogyeF&, meesnj, Deesceeve,
jespeyesue, cee@efjMeme leLee Fueskeê@efveke yeweEkeie mesJee FkeeF& (F&yeerSmeet),
[erScemeermeer ogyeF& ceW Keesueer ieF& nQ. Fmekes DeueeJee meceer#eeOeerve Je<e& kes
oewjeve ceuesefMeee ceW Fbef[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.ves
Yeer keee& kejvee DeejbYe kej efoee nw.
Deeeqmle iegCeJeee
pewmee efke henues yeleeee pee egkee nw Yeejle efJeeere Je<e&-13 ceW yengle ye[er
Deee|Leke ceboer kes oewj mes iegpeje efpemekes keejCe $e+Ce yekeeeeW SJeb $e+Ce
etkeeW ceW ye{esejer ngF&. Fve mecemeeDeeW mes efveheves kes efueS Deehekes yeQke ves
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kes efueS DeveskeeW henue kej $e+Ce efveiejeveer heefeee kees ogmle efkeee
efpememes efke megOeejelceke Gheee efkeS pee mekeW. FveceW hee$e ceeceueeW ceW $e+Ce
egkeewleer kee hegveie&"ve, eqmuehespe jeskeves leLee yesnlej Deeeqmle iegCeJeee yeveeS
jKeves pewmes GheeeeW kee meceeJesMe Lee. Je<e& kes oewjeve efveefOemeefnle SJeb
efveefOejefnle `.10 kejes[ SJeb DeefOeke SkemeheespejJeeues Deefiece KeeleeW kes
mebyebOe ceW ceeefmeke cee@efveeEjie efjhees& (SceSceDeej) kee heehe DeejbYe efkeee
ieee. Fmemes DeefieceeW keer lJeefjle SJeb heYeeJeer cee@efveeEjie ngF& SJeb
mecemeepeveke KeeleeW hej eLeemecee DeeJeMeke keee&Jeener kejvee Fmekes
meeLe ner Deehekes esef[ hees&Heesefueees keer Deeeqmle iegCeJeee ceW megOeej ueeves
kes heeespeve mes yeQke ves KeeleeW keer lJeefjle meceer#ee, efveece SJeb MeleeX keer
Devegheeuevee, Ge cetue kes KeeleeW keer esef[ jseEie keer DeheieseE[ie Deeefo
kee Hee@ueesDehe DeejbYe efkeee nw.
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heeespeve mes Deehekes yeQke ves SveheerS hees&Heesefueees keer meg{ cee@efveeEjie SJeb
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yeveeS jKeves kes efueS Fmeves MeeKee, #es$e, Debeue leLee keeheexjs keeee&uee
mlej hej Jemetueer SJeb esef[ cee@efveeEjie keer efJemle=le mebjevee leweej kej
nj mebYeJe heeeme efkeS ieS. Fmekes DeueeJee heleske $e+Ce Jemetueer
veeeeefOekejCe ([erDeejer) kesveW kes vees[ue DeefOekeeefjeeW kees owefveke
DeeOeej hej efJeefOeke ceeceueeW kes Hee@uees-Dehe keer Yetefcekee Yeer meeQheer ieF& nw
leeefke ef[eer heehle kejves SJeb Gmekes efve<heeove ceW kece mes kece efJeuebye nes
Deewj DeefOekelece Jemetueer heehle nes mekes. [erDeejer kes meYeer oeJee oeej
SveheerS KeeleeW keer Jemetueer kes heeespeve mes yeQke kees heYeeefjle DeeeqmleeeW kees
F&-veerueeceer kes eje yesee pee jne nw efpememes efke yeQke kees heYeeefjle
DeeeqmleeeW kee mecegefele yeepeej cetue heehle nes. Deehekes yeQke ves Sve heer S
KeeleeW keer Jemetueer keer mebYeeJeveeDeeW kee helee ueieeves kes efueS Hee@ueesDehe leb$e
hej peesj osvee peejer jKee nw. Ge cetue Jeie& kes SveheerS KeeleeW pewmes `.25
ueeKe SJeb DeefOeke kes KeeleeW keer meerOes ner keeheexjs keeee&uee mes
2012-13
cee@efveeEjie mes MeeKeeDeeW, S[JeeskeseW leLee Jemetueer SpeWeW Deeefo kes eje
hetJeexheee kejvee megefveeqele ngDee nw.
Deehekes yeQke ves efJeeere Je<e& 13 kes oewjeve ieebJe/veiej mlej hej ueeske
Deoeuele SJeb Jemetueer keQheeW kee Deeeespeve kej ess KeeleeW keer Jemetueer hej
efJeMes<e Oeeve keseqvle efkeee nw. Deehekes yeQke ves heeslmeenve DeeOeeefjle
Jemetueer eespevee "mebkeuhe-V" DeejbYe keer efpememes efke `.15 ueeKe leke kes
kece cetue kes yekeeee KeeleeW keer Jemetueer kes efueS meHe meomeeW kee
Jeefeiele Oeeve Deekee|<ele efkeee ieee. efJeeere Je<e& 13 kes oewjeve Fme
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ieenke Deheveer efMekeeeleW/mecemeeSb Dee@veueeFve ope& kej mekeW.
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keejesyeej heehle kejvee nw, efpememes efke legueve-he$e kes Deboj SJeb legueve-he$e
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SceSmeSceF& keejesyeej
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ueesve HewkeefjeeW keer mebKee -52- nes ieF& nw. yeQke eje ueesve Hewkejer keer
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cetueebkeve, keeee&vJeeve ceW vetvelece mecee leLee yesnlej cee$ee megefveeqele
kejvee nw efpememes efke Deehekee yeQke esef[ iegCeJeee kes meeLe mecePeewlee
efkeS efyevee SceSmeSceF& ueeseE[ie ye{e mekes.
Fmekes meeLe ner SceSmeSceF& efJeehees<eCe kes #es$e ceW yeQke keer yeeb[ efJe
megOeejves kes heeespeve mes yeQke ves efJeeere Je<e& 2013 ceW keF& heoMe&efveeeW SJeb
mesefceveejeW ceW meefee he mes Yeeie efueee. meeLe ner ye{eslejer hetCe& eeme
meseEueie, mLeeveere yew"keW leLee jeêre SJeb jepe mlej hej keejesyeejer mebIeeW
(efvekeeeeW) kee meceeJesMe kejles ngS mebhetCe& ieenke mebyebOe efJekeefmele kejves
kes heeespeve mes yeQke ves Ske peeiekelee keee&ece Deeeesefpele efkeee.
SmeSceF& ueesve HewkeefjeeW mes mecye heesmeseEmeie SJeb ceekexeEie DeefOekeeefjeeW
kee %eeve SJeb keewMeue Dehe[s kejves kes efueS Deehekes yeQke ves yeee heefMe#eCe
kes meeLe-meeLe heefMe#eCe kesveW SJeb Deheves meHe kee@uespe ceW efJeMes<e
hee"eece eueeS. yeQke ves SceSmeSceF& $e+efCeeeW kes efueS Dee@veueeFve $e+Ce
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efkeee nw. Fmeves peveJejer-ceee&, 2013 kes oewjeve SceSceF& ueesve Hewkejer]pe
Deewj MeeKeeDeeW kees veS keejesyeej pegeves kes heeespeve mes Dehevee heeeme
ogiegvee kejves nsleg SceSmeSceF& GlmeJe ceveeee.
heeLeefcekelee heehle #es$e
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GYejles ngS DeJemejeW kee ueeYe G"eves keer eq mes efJeefYeVe keee&veerefleeeb
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kejves kes efueS Deehekes yeQke ves Hemeue $e+Ce kes Debleie&le KejerHe SJeb jyeer
pewmes efJeMes<e DeefYeeeve eueeS efpemekes Debleie&le eceMe `.5,284 kejes[
SJeb `.2,262 kejes[ keer jeefMeeeW kee mebefJelejCe efkeee ieee. efveJesMe
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keer jeefMe kee mebefJelejCe efkeee ieee. yeQke ves efJeeere Je<e& 13 kes oewjeve
4,245 ieece mlej Hej esef[ keQhe Yeer Deeeesefpele efkeS Deewj `.2,922.48
kejes[ keer jeefMe kee mebefJelejCe 2,06,375 $e+efCeeeW kees efkeee. Fmeves
Yeejle Yej ceW 450 Gve efJeefMe (Lem) MeeKeeDeeW kee eeve efkeee
efpevekee ceee&,2013 Deble leke kegue ke=ef<e yekeeee ceW 36% eesieoeve jne.
Fmemes DeueeJee Fmeves efJeefMe #es$eeW kees Oeeve ceW jKekej mLeeveere
DeeJeMekeleeDeeW kes Deveghe eespeveeSb leweej keer nQ, efJeMes<e he mes Gve
mLeeveeW kes efueS peneb keesu[ mesjspe, hee@uêr etefvedme, efHeMejer Fleeefo
ieefleefJeefOeeeW keer yengleeele nQ. DeefOekelece keejesyeej heehle kejves keer eq
mes Fve eespeveeDeeW kes Debleie&le yeepe oj, heYeejeW Deeefo ceW efjeeeleW heoeve
keer ieF&.
Deehekes yeQke ves ke=ef<e Debleie&le $e+Ce DeeJesoveeW keer heesmeseEmeie ceW MeeKeeDeeW keer
o#elee ye{eves kes efueS mJe-$e+Ce heesmeseEmeie leb$e DeejbYe efkeee nw leeefke
efkemeeveeW kees heee&hle cee$ee ceW SJeb mecee hej esef[ megefJeOeeSb heehle nes
peeSb.
efJeeere meceeJesMeve
Deehekee yeQke mejkeej keer hele#e ueeYe DeblejCe ([eryeerer) eespevee ceW
meefee he mes Yeeie ues jne nw. en efJeMes<e he mes 45 DeieCeer efpeueeW kee
oeefelJe mebYeeue jne nw. Fmeves DeeOeej Yegieleeve mebheke& leb$e (SheeryeerSme)
kee heefjeeueve DeejbYe kej efoee nw efpemekes Debleie&le DeeOeej vecyej kes
Devegmeej efnleeefOekeeefjeeW kes KeeleeW ceW meerOes ner ueeYe Debleefjle kej efoS
peeles nQ. DeeOeej-me#ece Yegieleeve leb$e (SF&heerSme) kee heeesie kejles ngS
uesveosveeW kees cepeyetleer heoeve kejves kes heeespeve mes, efpemekes Debleie&le efkemeer
yeQke kes efyepevesme kejesmeheeW[s kes ceeOece mes efyeeer kesv DeLee&le heerDeesSme
(ceeFees SerSce) eje Dee@veueeFve Deblej heefjeeueveeesie efJeeere uesveosve
keer Devegceefle heehle nesleer nw, Deehekes yeQke ves Fmes ceOe ceF& 2013 ceW
heefjeeueveeesie yevee efoee nw.
Deehekee yeQke efJeeere meceeJesMeve kes efueS njmebYeJe heeeme kejlee jne nw.
Fmeves ieeceerCe heefjeeueve ceW 170 MeeKeeSb Keesueer nQ efpeveceW mes efJeeere Je<e&
13 kes oewjeve 101 MeeKeeSb Gve ieeceerCe kesveW ceW Keesueer ieF& peneb yeQkeeW
keer MeeKeeSb veneR LeeR. Fmeves Deeueese Je<e& kes oewjeve osMe Yej ceW -2695Deuê mceeue MeeKeeSb Keesueer nQ. cevejsiee uesve osveeW kes efueS Deehekes yeQke ves
jepemLeeve jepe kes meebieevesj yuee@ke ceW Ske heeeue heespeske DeejbYe
efkeee nw efpemeceW `.86.54.676/- keer jeefMe kes 9,593 uesve osveeW kees
heesmesme efkeee ieee.
Deehekes yeQke ves SheeryeerSme kes Debleie&le 1,31,735 DeeOeejkee[eX kees mebye
efkeee Deewj 6,635 efnleeefOekeeefjeeW kees `.49,01,659 kee esef[ heoeve
efkeee.
metevee heeweesefiekeer mebjevee
Jewkeequheke ef[ueerJejer ewveueeW kees ueeskeefhee yeveeves kes heeespeve mes Deehekes
yeQke ves Deheves Fbjves yeQeEkeie DeLee&le ye[ewoe keveske (efjsue hees&ue) kes
he SJeb JeJenej kees heeesee Devegketue yeveeee nw. Fmekes DeueeJee Deehekes
yeQke ves Fbjves yeQeEkeie ewveume kes Debleie&le veF& veF& megefJeOeeSb heoeve kejvee
peejer jKee nw. Je<e& kes oewjeve Deve ye{eS ieS Heereme& ceW efJeefYeVe jepeeW
kes kejeW kee Yegieleeve, heeqece yebieeue keer mejkeejer jepemJe heeeqhle (efiehme)
kee SkeerkejCe, $e+Ce KeeleeW kees esef[ heoeve kejvee, efyeue Yegieleeve,
heOeeveceb$eer jenle kees<e kees Dee@veueeFve oeve, F&-yeQeEkeie kes ceeOece mes
2012-13
Yeejleere peerJeve yeercee heerefceece kee Yegieleeve, F&-yeQeEkeie mes lJeefjle Yegieleeve
mesJeeSb (IMPS) kees pees[e ieee. Je<e& kes oewjeve Deehekes yeQke keer Fbjves
yeweEkeie megefJeOee meYeer mcee& Heesvme/wyeuesdme hej heoeve kej oer ieF& nw.
efpememes Fmekes ieenkeeW kees keneR-mes-Yeer-yeQeEkeie megefJeOee kee ueeYe heehle nes.
efJeeere Je<e& 13 kes oewjeve Fbjves yeQeEkeie megefJeOee -13- efJeosMeer #es$eeW,
eLee-lebpeeefveee, egieeb[e, kesvee, cee@efjMeme, mesMeume, yeeslmeJeevee,
vetpeerueQ[, etSF&, efHepeer ceW Yeer heoeve kej oer ieF& nw leLee etkes, Deesceeve
SJeb Ieevee ceW uesve osve DeeOeeefjle leLee Deem^sefueee ceW heoMe&ve (Jet)
DeeOeeefjle Fbjves yeQeEkeie heejbYe keer ieF& nw. Deehekes yeQke eje heeeesefpele
meYeer #es$eere ieeceerCe yeQkeeW ceW heoMe&ve (Jet) DeeOeeefjle Fbjves yeQeEkeie
DeejbYe kej oer ieF& nw. Fbjves yeQeEkeie ceW megj#ee SJeb Yejesmee ye{eves keer
eq mes Deehekes yeQke ves OeesKeeOe[er heyebOeve leb$e meesuetMeve Dehevee kej
megj#ee Heereme& kees cepeyetle yeveeee nw efpemeceW Yeejle ceW oes Hewkej
heceeCeerkejCe leLee efJeosMeer #es$eeW pewmes etSF&, etkes, vetpeerueQ[, kesvee SJeb
egieeb[e ceW Deejkees Deeserheer, hegue Deeserheer SJeb SmeSceSme Deeserheer kees
me#ece kej -5- Hewkej heceeCeerkejCe Meeefceue efkeS nQ.
ieenkeeW eje ceesyeeFue yeQeEkeie kes Fmlesceeue kees heeslmeeefnle kejves keer eq
mes yeQke ves keF& veS keoce G"eS nQ pewmes DeeeSceheerSme DeLee&le FceerefpeS
hesceW mee|Jeme (legjble Yegieleeve mesJee) heme&ve g DekeeGb (heer2S) efveefOe
DeblejCe, yuewkeyesjer, Sb[jeF[, eEJe[espe kes meeLe meeLe meYeer DeeeHeesve leLee
Deeehew[ ceW ceesyeeFue yeQeEkeie Devegheeesie keer megefJeOee, Sveetetheer (vesMeveue
etveerHeeF etSmeSme[er huesHeece&) megefJeOee. Fmekes meeLe ner Deehekee yeQke
DeeeSceheerSme kes Debleie&le heer2Sce (heme&ve g ceeX) efveefOe DeblejCe megefJeOee
Yeer keeee&eqvJele kej jne nw Deewj Fbef[ee Hem& ueeFHe FbMeesjWme Fmekee
henuee ceeX yeveeee ieee nw. Deehekes yeQke eje eEJe[espe 8 kes efueS
ceesyeeFue yeQeEkeie megefJeOeeSb, egieeb[e leLee etSF& Deeefo ceW ceesyeeFue yeQeEkeie
kee keeee&vJeeve Yeer hemleeefJele nw. Deehekes yeQke eje yeQke kes heeeesefpele
#es$eere ieeceerCe yeQkeeW ceW ceesyeeFue yeQeEkeie keeee&eqvJele kejves nsleg keoce
G"eS ieS nQ.
Deehekes yeQke kes SerSce eqmJee kees Ge Jeme&ve ceW Deheies[ efkeee ieee leLee
keF& efJeMes<eleeDeeW mes ege ne[&Jesej Deheies[sMeve Yeer efkeee ieee leeefke
Fmekee keee&efve<heeove DeefOeke yesnlej nes, SerSce mebJeJenej lespe ieefle mes
mebYeJe nes leLee SerSce efJemleej ceW Deemeeveer jns. SerSce eqmJee kees Yeejle,
etSF&, Deesceeve, ceejerMeme, lebpeeefveee, yeeslmJeevee, ef$eefve[e[ SC[ syeeiees
leLee vetpeerueQ[ ceW Deheies[ efkeee ieee. Je<e& kes oewjeve Deehekes yeQke eje
keF& ieenke keseqvle keoce G"eS ieS pewmes hes SerSce kee[&, hes heerDeesSme
SJeb hes efkemeeve esef[ kee[&, yeeGve uesyeue SerSce, Fbef[ee Hem& ueeFHe
FbMeesjWme heeefuemeer OeejkeeW kes efueS SerSce kes ceeOece mes yeercee heerefceece
kee mebienCe, SerSce mebJeJenejeW keer jmeeroW efnvoer ceW eEhe kejvee. #es$eere
Yee<eeDeeW eLee iegpejeleer, ceje"er leLee leefceue ceW SerSce meerve keer
megefJeOee, eqyeeefOele ueesieeW kes efueS yeesueves Jeeues SerSce, Yeejle ceW eqmLele
SerSce/heerDeesSme ceW OeesKeeOe[er heyebOeve meesuetMeve kee keeee&vJeeve
Fleeefo. Deehekes yeQke eje yeQke kes #es$eere ieeceerCe yeQkeeW kes efueS hes
SerSce kee[& SJeb hes kesmeermeer kee[& meHeueleehetJe&ke Meg efkeS ieS.
5
2012-13
megj#ee mebyebOeer efJeefMeleeDeeW kees meg{lee heoeve kejves kes efueS Deehekes yeQke
ceW Fbjves yeQeEkeie, SerSce Deewj heerDeesSme kes efueS OeesKeeOe[er heyebOeve
meesuetMeve keeee&eqvJele efkeee ieee. Fmekes DeueeJee Deehekes yeQke eje
Jewkeequheke ef[ueerJejer ewveueeW kes ceeOece mes efkeS ieS mecemle mebJeJenejeW
Deewj `.5,000/- Deewj Gmemes DeefOeke kes mecemle meeryeerSme mebJeJenejeW nsleg
SmeSceSme Deue& keer megefJeOee GheueyOe kejeF& ieF& nQ. Fmekes DeueeJee
Deehekee yeQke yeee eqmLele DevegheeesieeW (Smkejveue HeseEmeie SuheerkesMeve)
kee JeerSheerer (DeeflemebJesoveMeeruelee Deekeueve SJeb Yesove hejer#eCe), F&yeQeEkeie uee@ie ceeveereEjie Fleeefo efveeefcele he mes kej jne nw. eneb leke
efke Deehekes yeQke ves MeeKeeDeeW kes efueS MeeKee mlej hej mebefoiOe mebJeJenejeW
keer owefveke ceeveereEjie kes meboYe& ceW OeesKeeOe[er peesefKece heyebOeve heCeeueer
keer meneelee mes megj#ee heCeeueer kees DeefOeke meg{ efkeee nw.
ceeveJe mebmeeOeve henueW
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mebmke=efle me=efpele kejves kes efueS meblegefuele keee&veerefle DeheveeF& nw, peesefke
efJekeeme kee ceeie& heMemle kejles ngS ceewpetoe mecee keer efJeefYeVe egveewefleeeW
DeLee&led Jeeheke mlej hej nesvesJeeueer mesJeeefveJe=efeeeW, ye[er mebKee ceW veF&
heefleYeeDeeW kes Deeieceve, Jeeheke heefMe#eCe DeeJeMekeleeDeeW meefnle
GejeefOekeej SJeb Glheeokelee keer egveewefleeeW kee mecegefele he mes meecevee
kej mekes.
Fve meYeer egveewefleeeW kee meecevee kejves kes efueS Ske Jeeheke ceeveJe
mebmeeOeve keee&veerefle SJeb mebjevee leweej keer ieF& nw efpemes heespeske 'mheMe&'
veece mes Ske ceeveJe mebmeeOeve heespeske kes ceeOece mes keeee&eqvJele efkeee pee
jne nw. en heespeske hetjs Geesie ceW Ske efJeefMe SJeb veJeesvces<eer mLeeve
jKelee nw.
Deehekes yeQke ves heefleYee heyebOeve heCeeueer kes eje YeefJe<e kes efueS Deieueer
hebefe kee vese=lJe efJekeefmele kejves keer efoMee ceW cenlJehetCe& keoce G"eS nQ.
en heCeeueer Deeieeceer 5 Je<eeX keer mebYeeefJele ueer[jefMehe pejleeW kes Deveghe
mebYeeJeveeDeeW mes heefjhetCe& ueer[jeW keer heneeve megefveeqele kejleer nw.
Deehekes yeQke eje efJeefYeVe mlejeW, kegMeueleeDeeW Deewj MeeKee mlejere ceeveJe
Meefe DeeJeMekeleeDeeW kes Deekeueve nsleg Ske Jew%eeefveke ceeveJeMeefe
Deeeespevee cee[ue efJekeefmele efkeee ieee nw. yeQke ves Deeieeceer keg Je<eeX kes
efueS efJeefYeVe ceeveJe mebmeeOeve keeeeX pewmes Yeleea Deeeespevee, kewefjej
heieefle, efjefeeeb leLee heomLeehevee/ lewveeleer Fleeefo kes meboYe& ceW
jCeveereflehejke keee&Meefe Deeeespevee Yeer leweej keer nw.
ye[er mebKee ceW veS Yeleea nesvesJeeues meHe kees eLeeMeerIe Glheeoke yeveeves
keer eq mes Deehekes yeQke ves Dee@ve yeese\[ie keee&ece Meg efkeee nw
efpemeceW keeee&lceke leLee meebmke=efleke mJehe oesveeW hekeej kes IekeeW kee
meceeJesMe nw efpememes Jes keee&oeefelJeeW kes efueS lelkeeue leweej jnW leLee Gvns
yeQke keer keee&-mebmke=efle mes leeuecesue efye"eves ceW ceoo efceues.
Ske Deve hecegKe veJeesvces<eer keee& kes he ceW Deehekes yeQke leLee ye[ewoe
ceefCeheeue iueesyeue SpegkesMeve eje ye[ewoe ceefCeheeue mketue Dee@]He yeQeEkeie
6
keer mLeehevee keer ieF& nw pees efke Deehekes yeQke ceW yeQeEkeie kewefjej DeheveevesJeeues
efJeeee|LeeeW kees heefMe#eCe oslee nw, en Hem& [s, Hem& DeeJej Glheeokelee
cee[ue hej DeeOeeefjle nw. efJeeee|LeeeW kees Ske Je<e& kee ienve heefMe#eCe efoee
peelee nw. en heefMe#eCe keee&ece, yeQke keer DeeJeMekeleeDeeW kes Deveghe
leweej efkeee ieee nw Deewj efJeeee|LeeeW kees yeQke ceW heesyesMevejer DeefOekeejer kes
he ceW meceeefnle kejves mes hetJe& GvnW yeQeEkeie SJeb efJee ceW heesm iespegS
ef[hueescee heoeve kejlee nw.
peesefKece heyebOeve
meg{ SJeb "esme Je=ef megefveeqele kejves kes efueS yeQke ves Ske meg{ peesefKece
heyebOeve leb$e efJekeefmele efkeee nw leeefke yeQke eje peesefKeceeW kee Gefele he
mes cetueebkeve Deewj efvejblej ceeveereEjie keer pee mekes. Deehekes yeQke kes
efveosMeke ceb[ue ves Ske meg{ Gece -Jeeheke peesefKece heyebOeve mebjevee kees
Deheveeee nw leeefke peesefKeceeW kees efveosMeke ceb[ue eje efveOee&efjle keer ieF&
meercee leke meerefcele jKee pee mekes.
Deehekes yeQke ves yeemeue II HesceJeke& ceW meHeueleehetJe&ke ceeFiexMeve kej efueee
nw, erej I hetbpeer keer heOeevelee kes meeLe, yeQke keer kegue hetbpeer kees osKeles
ngS Deehekes yeQke kees yeemeue III hetbpeer efveeceeW kes keeee&vJeeve ceW keesF&
keef"veeF& vener nesieer.
efJee Je<e&, 13 keer hecegKe GheueeqyOeeebegveewleerhetCe& JeJemeee heefjJesMe kes yeeJepeto, Deehekes yeQke ves meceer#eeOeerve
Je<e& kes oewjeve meblees<epeveke heefjCeece neefmeue efkeS nQ.
Deehekes yeQke kee Jewefeke JeJemeee 19.3% (Je<e&-oj-Je<e&) keer Je=ef

kes meeLe ceee&, 2013 kes Deble ceW `.8,02,069 kejes[ nes ieee FmeceW
Iejsuet JeJemeee 17.4% keer Je=ef kes meeLe `.5,66,000 kejes[ leLee
efJeosMeer JeJemeee 24.2% keer Je=ef kes meeLe `.2,36,069 kejes[
jne.
ceee&, 2013 kes Deble ces Deehekes yeQke kee Jewefeke JeJemeee 23.1%
(Je<e&-oj-Je<e&) keer Je=ef kes meeLe `.4,73,883 kejes[ jne. Iejsuet
peceejeefMeeeb 22.0% keer Je=ef kes meeLe `.3,41,706 kejes[ jneR,
peye efke efJeosMeer peceejeefMeeeb 26.2% keer Je=ef meeLe, .1,32,178
kejes[ jneR.
Ghejese egveewefleeeW kes yeeJepeto Deehekes yeQke keer keemee peceejeefMeeeW

15.9% (Je<e&-oj-Je<e&) keer Je=ef kes meeLe `.1,19,981 kejes[ jneR.
31 ceee&, 2013 kees Iejsuet keemee 30.38% jns.
ceee&, 2013 kes Deble ceW Deehekes yeQke kes Jeweqeke Deefiece 14.2% (Je<e&oj-Je<e&) keer Je=ef kes meeLe `.3,28,186 kejes[ jns peye efke Deehekes
yeQke kes Iejsuet Deefiece 11.0% keer Je=ef kes meeLe `.2,24,294 kejes[
jns. efJeosMeer Deefiece 21.8% keer Je=ef kes meeLe `.1,03,891 kejes[
jns.
efJee Je<e&, 2013 kes oewjeve Deehekes yeQke kee efjsue $e+Ce 6.7% (Je<e&-
oj-Je<e&) keer Je=ef kes meeLe `.38,046 kejes[ jne efpemeceW ie=n $e+Ce
13.5% keer Je=ef kes meeLe `.16,045 kejes[ jne.
2012-13
heeqyueke meskej, cegbyeF&; meerSveyeermeer erJeer 18 'Fbef[ee yesm yeQke SC[

HeeeveWefMeeue DeJee[& 2012' yesm heeqyueke meskej yeQke; yesm ueepe& yeQke
2012 efyepevesme Jeu[& veJecyej 26, 2012; yesm ueepe& yeQke 2012
efyepevesme g[s kesheerScepeer efomecyej 2012; ms Heesjce Dee@He yeQkeme&
keueye, kesjue eje Svee&keguece ceW efomecyej 2012 ceW yesm heeqyueke meskej
yeQke DeJee[&; efyepevesme mW[[& yeQkej Dee@]He o Fej 2011-12; HeeeveWefMeeue
Skemehesme eje "yesm heer.Sme.et" kes efueS SHeF& yesm yeQke DeJee[& 201112 mes mecceeefvele; efoveebke 23.03.2013 kees oueeue mêr FbJesmceW
pejveue eje meeJe&peefveke #es$e kee meJee&efOeke heYeeJeMeeueer yeQke, 2011-12
kes efueS vesMeveue DeJee[&; Keeoer SJeb ieeceeseesie Deeeesie eje 03 Dehewue,
2013 kees Keeoer SJeb ieeceeseesie kes #es$e ceW Glke=lee kes efueS vesMeveue
DeJee[& 2011-12; SefMeeve kevHes[jsMeve Dee@He efyepevesme SC[ meerSmeDeej
keeWiesme eje keeheexjs DeHeseme& DeJee[& meceejesn ceW "m^ssefpeke
kecetefvekesMeve SC[ ueer[jefMehe DeJee[&".
efJee Je<e&, 2013 ces Deehekes yeQke kee SmeSceF& esef[ hees&Heesefueees
30.3% (Je<e&-oj-Je<e&) keer Je=ef kes meeLe `.44,974 kejes[ jne
efpemeceW ke=ef<e $e+Ce `.28,739 kejes[ jne (efJeefveeeceke heefjYee<eeDeeW
ceW heefjJele&ve kes keejCe) yeQke eje kecepeesj Jeie& kees $e+Ce 7.5% keer
Je=ef kes meeLe `.17,045 kejes[ jne.
efJee Je<e&, 2013 ceW Deehekes yeQke kee heefjeeueve ueeYe `.8,999.15
kejes[ Deewj Meg ueeYe `.4,480.72 kejes[ jne.
DeeeqmleeeW hej heefleHeue (DeejDeesSS) Deehekes yeQke kes ceeie&oMe&ve kes

Deveghe 0.90% jne.
31 ceee&, 2013 kees hetbpeer FbHeetpeve kes yeeJepeto FeqkeJeer hej efj&ve
(DeejDeesF&) 14.59% jne.
efJee Je<e&, 2013 kes oewjeve Deehekee yeQke, Iejsuet heefjeeueveesb ceW Meg
yeepe ceee|peve 3.11% leLee Jewefeke heefjeeueveeW ceW 2.66% jKeves ceW
meHeue jne.
efJeJeskehetCe& eqkeesCe Deheveeles ngS 31 ceee&, 2013 kees Deehekes yeQke

kee heeJeOeeve keJejspe Devegheele 68.24% Lee peesefke meeJe&peefveke #es$e
kes yeQeEkeie mesieceW ceW Dehes#eeke=le Ge nw.
erce ye[ewoe kees Fve Dehes#eeDeeW kes meeLe peervee nw Deewj ceQ en kenvee
eentbiee efke nce Fvns jesceebeke egveewefleeeW kes he ceW osKeles nQ.
Deehekes yeQke keer hetbpeer meg{lee 31 ceee&, 2013 kees Fmekes 13.30%
meerDeejSDeej (yeemesue II) leLee 10.13% erej I hetbpeer mes heoe|Mele
nesleer nw.
Deehekes yeQke kee ueeiele-Deee Devegheele efJee Je<e& 13 kes efueS

Dehes#eeke=le 39.79% kes vetve mlej hej yevee jne.
yeQke kee heefle Mesej Depe&ve .108.84 leLee Fmekee heefle Mesej yener
cetue `.729.69 jne.
efJee Je<e&, 2013 ceW Yeejer ceboer kes yeeJepeto, efJee Je<e& 2014 ceW eqmLeefle
megOejves keer DeeMee keer peeveer nw efJee Je<e&, 14 mes meeceeve ceevemetve jnves
keer DeeMee nw peesefke ve kesJeue ke=ef<e ceW Je=ef Deefheleg Geesie kes efueS Yeer
meneeke efme nesiee. cetueeW ceW keceer pewmeer heJe=efeeeW mes efJeeere eqmLeefleee
menpe neWieer. mejkeej eje efveJesMe ceW DeJejesOe kees kece kejves kes efueS
G"eS ieS keoce leLee efveee&le ceW eqmLeefle keceesyesMe Deer nesves mes efJee Je<e&,
2013 keer leguevee ceW efJee Je<e&, 2014 ceW Deee|Leke eqmLeefle Dehes#eeke=le
yesnlej jnsieer.
hegjmkeej SJeb mecceeve

efJee Je<e&, 2013 kes oewjeve yeQke kees efJeefYeVe JeJemeee SJeb efJeeere ceeveob[eW
ceW Deveske hegjmkeej heehle ngS FmeceW efvecveefueefKele kee meceeJesMe nwyuetceyeie& eterJeer Heeeveebefmeeue ueer[jMeerhe DeJee[& yesm heerSmeet yeQke;
[ve SC[ yee[mêr heesueeefjpe Heeeveebefmeeue skevee@ueepeer yeQeEkeie DeJee[&;
Jewefeke JeJemeee efJekeeme esCeer ceW yesm heeqyueke meskej yeQke - meceiele
yesm heeqyueke meskej yeQke; Yeejleere yeQke mebIe eje yeQeEkeie skevee@ueepeer
DeJee[& 2011; heefMe#eCe SJeb F&-uee\veie ceW heeweesefiekeer kes Gheeesie kes efueS
efJepeslee; es ieenke mebyebOe henueW heLece jvej Dehe; efye]pevesme
FbsefuepeWme kee es Fmlesceeue heLece jvej Dehe; yeQeEkeie ceW ceesyeeFue
heeweesefiekeer kee es Fmlesceeue efleere jvej Dehe; yesm efjmke cewvespeceW
SC[ efmekeeesefjer FveerefMeSefJe eqleere jvej Dehe, efye]pevesme Fbef[ee yesm
yeQke DeJee[& 2012; Heesye&me Fbef[ee ueer[jefMehe DeJee[& yesm meerF&Dees
es, hegjmkeej leLee mecceeve Deehekes yeQke kes es keee&efve<heeove kees

ceevelee heoeve kejles nQ leLeeefhe Fvemes nceejer efpeccesoejer Deewj DeefOeke ye{
peeleer nw. erce ye[ewoe Fme yeele mes DeJeiele nw efke mecemle efnleOeejke
Deehekes yeQke mes DeefOeke Dehes#ee jKeles nQ.
YeeJeer eespeveeSb
Deee|Leke heefjJesMe ceW DeefveeqeleleDeeW kes yeeJepeto Deehekee yeQke efJee Je<e&, 14
ceW Yeer Gejesej JeJemeee efJekeeme keer efoMee ceW Deiemej jnsiee. Fmes
neefmeue kejves kes efueS Deehekes yeQke eje ueesieeW, heefeeeDeeW Deewj heeweesefiekeer
hej Oeeve keWefle kejles ngS JeJemeee JeJenej SJeb vewefleke cetue mebefnlee
kee meKleer kes meeLe heeueve efkeee peeSiee.
Deehekee yeQke meg{ leguevehe$e, Des peceeefceeCe, Ge hetbpeer heee&hlelee,
ieefleMeerue vesle=lJe leLee efJeJeskehetCe& peesefKece heyebOeve heCeeefueeeW kes yeue hej
cepeyetle eqmLeefle ceW nw.
yeQke kes keeheexjs ue#e SJeb keee&veerefle
efJee Je<e&, 14 kes efueS Deehekes yeQke kes Oese Jeekee cebs ceewpetoe eEeleeDeeW kes
meceeOeeve kees Oeeve ceW jKekej yeQke kes efueS Ske meg{ ceeie& heMemle kejves
keer eq efveefnle nw.
7
2012-13
efJee Je<e&, 2014 kes efueS yewke g yesefmeke Deehekes yeQke kee Oese Jeekee nw.
kees Fme lejn mes heefjYeeef<ele efkeee ieee nw efke heleske De#ej
Ske cenlJehetCe& yeQeEkeie keee& kees oMee&lee nw.
"BASICS"
- efye]pevesme ieesLe-JeJemeee Je=ef (yee]peej Mesej kees ye{eves kes efueS)
- Smes keJeeefueer DeeeqmleeeW keer iegCeJeee (Ge jKeer peee)
- meeuJeWmeer SC[ efueeqkeJeef[er - $e+CeMeesOeve #ecelee Je eueefveefOe

(SSueSce kes ceeOece mes jKejKeeJe kejvee)
- FveesJesMeve - veJeesvcesef<elee (hecegKe efJeYesoke keejke)
- kemcej meWêrefmeer - ieenke keWerelee (hecegKe Ieke)
- efmemce SC[ heesmeerpej - heefle Je heefeeeSb (Gheeg&e ceeveob[eW kees

mecee|Lele kejves nsleg FvnW ueieeleej Deeleve efkeee peevee eeefnS.)
Deehekes yeQke ves neue ner ceW oes veS JeJemeee Jeeakeume "pecee mebmeeOeve,
Oeve mebheoe heyebOeve SJeb ceekexeEie" leLee "mejkeejer JeJemeee" yeveeS nQ.
Je<e&, 14 kes oewjeve Deehekes yeQke ves Deheves ieenkeeW kees efJeemlejere yeeOee
jefnle mesJeeSb heoeve kejves keer eq mes ye[s hewceeves hej Deheves mJeebmesJee
ewveueeW ceW Je=ef kejves keer eespevee yeveeF& nw. Deehekes yeQke eje 3500
Deefleefje SerSce leLee 1500 MeeKeeDeeW ceW kewMe ef[mheQmej hueme mesuHe
mee|Jeme heemeyegke efheeEie efkeeesmke leLee 25000 heerDeesSme (hee@Fb Dee@]He
mesue) ceMeerveW ueieevee hemleeefJele nw.
yeQke keer, 100 yebe vees Skemeshme&, kewMe ef[mheWmejeW mes ege 50 mesuHe
mee|Jeme 24x7 F&-uee@yeerpe, kewMe Skemeshme&, eske ef[heesefpe ceMeerves, Fbjves
yeQeEkeie efkeeesmke, mesuHe mee|Jeme heemeyegke, efheeEie efkeeesmke leLee yeQke kes
mebheke& keWeW ceW ne@ueeFve ueieeves keer eespevee nw.
Deehekes yeQke eje kece ueeiele Jeeueer keemee peceejeefMeeeW kes mebienCe leLee
efjsue, SmeSceF& SJeb ke=ef<e $e+Ce kees meg{ kejles ngS $e+Ce mebefJeYeeie kees
meblegefuele kejves hej efJeMes<e he mes Oeeve efoee peeSiee. Deehekee yeQke iewj
yeepe ye{eves Deewj KeeeX hej efJeJeskehetCe& {bie mes efveebef$ele jKeves keer efoMee
ceW heelveMeerue jnsiee. Fmekes DeueeJee yeQke eqmuehespe kees jeskeles ngS DeMeesOe
$e+CeeW kee efJeJeskehetCe& heyebOeve kejsiee.
efJee Je<e&, 13 ceW Deehekes yeQke kee Dehes#eehetCe& eqmLej keee&efve<heeove, Fmekes
Debleefvee|nle cetue, meg{lee, Fmekeer meg{ meblegefuele heCeeefueeeW, heefeeeDeeW
Deewj ueesie, Fmekeer ieefleMeeruelee, ieenke efJeeeme Deewj mhee&lceke Meefe
kees heoe|Mele kejlee nQ eeefhe efJee Je<e&, 13 ces osMe Yej ceW vekeejelceke
Je=ef keer heJe=efeeeb jneR, Deehekee yeQke Deheveer Deeeqmle iegCeJeee hej heke[
es[s efyevee efvejblej keejesyeej efJekeeme keer jen hej Deiemej jne.
cegPes hetje efJeeeme nw Deewj cew yeQke keer YeeJeer mebYeeJeveeDeeW kes yeejs ceW
Deeemle Yeer ntb efke nce Deee|Leke ceboer kes Fme oewjs mes efvekeuekej Deewj
DeefOeke meg{ neWies leLee jeêre DeeJeMekeleeDeeW heefle DeefOeke GejoeF&
jnWies.
Deehekes yeQke keer Fme ee$ee ceW, cewb Deehekes melele meneesie SJeb mece&Leve keer
DeeMee kejlee ntb.
Sme.Sme.cetbo[e
DeOe#e SJeb heyebOe efveosMeke
2012-13
ChAiRMAn'S STATEMEnT
A Resilient
Performance through
Challenging
Times
S. S. Mundra
Chairman & Managing Director
Dear Stakeholder,
I am pleased to report that during the year 2012-13 (FY13),
Bank of Baroda not only displayed its resilience to extreme
challenges and volatilities in the Indian economy, but also
attained the leadership spot in the nationalised banking
segment in terms of overall business level.
It is appropriate at the outset to review the business
environment within which your Bank operated during the
year under review.
Economic Review
During FY13, the Indian economy witnessed the slowest
growth in a decade combined with elevated inflation. The
real GDP growth more than halved from 9.2% in Q4, FY11
to 4.5% in Q3, FY13 - the lowest in 15 quarters. The sharp
slowdown in industry and services reflected several factors
including domestic policy uncertainties, lagged impact of
earlier monetary tightening and slackening of external
demand. The moderation in agriculture growth accentuated
the growth prospects as well as inflationary expectations.
Though headline inflation (WPI-based) started moderating
in H2, FY13, from a range of 7.5-8.1% in first half of FY13
to 5.96% in March 2013, the retail (CPI-based) inflation
remained sticky at the double-digit level led by elevated food
inflation. Despite the deteriorating growth scenario, the RBI
cautiously managed the growth-inflation dynamics by
reducing the Repo Rate and SLR by 100 basis points each
and CRR by 75 basis points, albeit in a gradual fashion.
Apart from the slowing growth, the India economy witnessed

serious external sector imbalance with current account deficit
(CAD) touching an all time high of 6.7% in Q3 FY13 on account
of growing trade deficit primarily led by subdued exports
growth and high oil & gold imports. Notwithstanding the high
level of CAD, the rupee-dollar exchange rate remained range
bound due to the healthy portfolio and ECB inflows.
Given the all round weakness in the economy, the deposit
and credit growth of scheduled commercial banks (SCBs)
remained lackluster throughout the year. Given the high level
of retail inflation rate, the SCBs had to offer high deposit rates
so as to protect their deposit base against a backdrop of
attractive gold and other investments. Despite this, the deposit
growth lagged behind the credit growth by 250 to 300 bps
throughout the year. Additionally, the banks faced heightened
asset quality concerns as the corporate sector faced
investment slowdown and stalled projects, while the
government sector compressed its expenditure to achieve
fiscal consolidation.
Bank of Baroda: Resilience through Difficult Times
Despite such adverse macro backdrop, your Bank added
further strength to its business during FY13 and emerged as
the largest nationalized bank in terms of global business in
the Indian banking space. The Global Business of your Bank
increased by 19.3% (y-o-y) to Rs 8,02,069 crore from Rs
6,72,248 crore between end-March 2012 and end-March
2013.
2012-13
Moreover, it managed to garner its aggregate deposits at

an above industry average rate of 23.1%, notwithstanding
the alternative attractive investment opportunities in the form
of physical assets. Its Global CASA (Low-cost) Deposits
grew by 15.9% (y-o-y) to Rs 1,19,981 crore in FY13 with
the Share of Domestic CASA staying at 30.4%.
Your Banks Total Income registered a decent growth of
17.3% (y-o-y) and reached the level of Rs 38,827.28 crore
in FY13 boosted by 18.6% growth in Interest Income and
6.1% growth in Other (Non-Interest) Income. Despite limited
deployment opportunities, your Banks Net Interest Income
(NII) increased by 9.7% (y-o-y) to Rs 11,315.26 crore.
Your Bank managed to grow its credit portfolio by 14.2%
with a balanced mix of loans to large & mid corporates,
MSME, retail and agriculture sectors. As in the past, your
Banks Asset Quality ratios were the lowest in the large-sized
PSU banking segment with Gross NPA at 2.40% and Net
NPA at 1.28%.
Your Banks Operating Profit (Gross Profit) remained in
positive growth zone despite a significant industrial
slowdown during FY13. It grew by 4.9% (y-o-y) in the year
FY13 to Rs 8,999.15 crore. The Net Profit for FY13 was
lower at Rs 4,480.72 crore versus Rs 5,006.96 crore in FY12
on the back of higher provisions against the NPAs.
Your Bank continued with its prudent approach of maintaining
higher provision coverage ratio. Its Loan Loss Coverage
Ratio was at a relatively higher level of 68.24% as on 31st
March, 2013, compared to its peers from the PSU banking
segment.
As in the past, your Banks Overseas Operations continued
to remain the mainstay of its business. During FY13, they
contributed 29.4% to the Banks Total Business, 24.6% to
its Operating Profit and 34.2% to its Core Fee income.
Your Banks capital strength added to its overall soundness.
Its CRAR (BASEL-II) stood at 13.30% and Tier-I capital at
10.13% as on 31st March 2013. Your Bank is well capitalized
not only for achieving its growth aspirations but also for
achieving capital requirements for BASEL-III compliance.
Strategic initiatives during FY13
Overseas Business
Since its foray into international arena in the year 1953, your
Bank has been consistently expanding the network to tap
the business opportunities overseas. This year the Banks
100th overseas office at DIFC, Dubai was inaugurated by
the Honble Union Finance Minister, Government of India to
commemorate this historic moment. As on 31st Mar, 2013,
the Bank had operations in 24 countries with 100 offices.
These 100 offices comprised of 60 branches of the Bank,
39 branches of its overseas subsidiaries and one
representative office. Your Banks wide international
presence provides it with significant risk-diversification
10
benefits across the globe. During FY13, your Bank opened

12 new branches/ offices (including those of the subsidiaries).
These were opened at Sydney, Australia; DIFC, Dubai,
Sohar, Oman; Rose Belle, Mauritius and Electronic Banking
Service Unit (EBSU) at DMCC, Dubai. In addition, the Joint
Venture Bank in Malaysia India International Bank
(Malaysia) Bhd. also commenced operations during the year
under review.
Asset Quality
As stated earlier, India entered FY13 faced with a depressed
macro-economic environment, which gave rise to the
problem of rising delinquencies and loan defaults. To
address these concerns, your Bank further stepped up its
credit monitoring process by taking several initiatives in
identifying the incipient sickness/potential default/
weaknesses in the advance accounts for taking corrective
actions including restructuring in deserving cases, for
prevention of slippages and maintaining good asset quality.
The Monthly Monitoring Report (MMR) format in respect of
advance accounts with fund plus non-fund based exposure
of Rs 10 crore and above was introduced during the course
of the year. This enabled speedy and effective monitoring
of advances and ensured timely action in respect of stressed
accounts. Besides, your Bank also initiated follow up actions
for ensuring expeditious review of accounts, compliance of
terms and conditions, up-gradation in credit rating etc. in
high value advance accounts for improving the asset quality
of the credit portfolio.
To address the asset quality concerns due to a fragile
economic environment, your Bank continued its practice of
rigorous monitoring and recovery of the NPA portfolio. It
made all out efforts to maintain the asset quality by laying
down a comprehensive structure of recovery and credit
monitoring function at the branch, region, zone and
corporate office levels. Besides this, the Nodal officers at
each DRT (Debt Recovery Tribunal) centre were assigned
the role of a follow-up of legal cases on day to day basis so
as to minimize the delay in obtaining decrees and execution
thereof in order to expedite and maximize recoveries. For
Recoveries of all DRT Suit filed NPA accounts, the assets
charged to the banks are now being sold through E-auction
to get a fair market value of assets charged to the Bank.
Your Bank continued its emphasis on follow-up mechanism
to explore recovery prospects of NPA accounts. The system
of monitoring the large value NPA accounts of say Rs 25
lakh and above, directly from the corporate office has
ensured proactive action by branches, advocates, recovery
agents, etc.
During FY13, your Bank laid specific focus on recovery of
small accounts by organizing Lok Adalats and Recovery
Camps at village/town level. Your Bank also launched an
incentive linked recovery scheme called Sankalp V, to
enlist personalized attention of each and every staff member
in pursuing recovery efforts of small value accounts with an

outstanding up to Rs 15 lakh. The cash recovery made
during the year FY13 under the scheme was satisfactory at
over Rs 231 crore.
Customer Service
In order to improve the customer service, your Bank
introduced an online complaints icon on the Banks
website, wherein the complainants can lodge their
grievances in a simple and easy manner through multiple
channels. Furthermore, your Bank installed a KIOSK -- a
dedicated computer system at all Zonal Offices along with
the Banks Head Office, to enable the customers to lodge
their grievances/complaints on-line.
Corporate Credit
With the purpose to accelerate credit to mid-corporate
borrowers and to increase the business in this domain
through specialised branches, your Bank set up a new
business vertical, i.e., Mid Corporate Segment. In order to
have a focused business approach for catering to the valued
Mid Corp borrowers, your Bank opened 16 Mid-Corporate
branches (in the first phase) across the country. The focus
has been on harnessing Large Corporate business through
CFS (Corporate Financial Service) branches and Mid
Corporate business through Mid Corporate Branches,
thereby maximizing overall earnings from on and off balance
sheet business.
In line with the announcement by the Finance Minister in
his Budget speech for FY12, your Bank, co-promoted the
countrys First Infrastructure Debt Fund M/s India Infradebt
Limited to facilitate the flow of long term debt fund to
Infrastructure sector.
Retail Business
In order to offer attractive returns to the depositors and also
to improve the ALM (asset-liability) profiles, your Bank
introduced Term Deposit Product styled as Baroda Double
Dhamaka on 25th February 2013 offering an interest rate
of 9.34% for a period of seven years, six months and five
days.
Your Bank strengthened its retail portfolio by effecting major
changes in its Home Loan product by increasing the
maximum age from 65 years to 70 years and by easing the
eligibility criterion to suit the customer requirements. Also,
the maximum period of loan repayment was increased to
30 years from 25 years, thus helping borrowers to lengthen
their repayment schedule. It was also decided to offer an
insurance cover under the Master Group Personal
Accidental Policy for home loan borrowers.
2012-13
model is a pioneering concept introduced by your Bank to

ensure better quality of credit appraisal, reduced turn-around
time and improved volumes thereby enabling your Bank
to increase its MSME lending without sacrificing the quality
of credit.
Moreover, your Bank actively participated in various
exhibitions and seminars during FY13 to build brand image
of the Bank in MSME financing. Additionally, it organized
an Awareness Programme in order to achieve total customer
relationship through enhanced cross selling, locational
meetings, and involvement of trade bodies at the national
and state levels. To update the knowledge and skills of the
processing and marketing officers attached to the SME
factories, your Bank organized external training plus special
courses at Training Centers and its own Staff College. The
Bank introduced an online loan application for MSME
borrowers and renewed a number of area specific schemes
pertaining to a variety of industries across India during FY13.
It also celebrated the MSME Festival during Jan-Mar 2013
to encourage staff at the SME Loan Factories and branches
to re-double efforts at canvassing new business.
Priority Sector
Your Bank introduced various strategies during FY13 to tap
the emerging opportunities in rural and agriculture banking,
the major ones being described below.
In order to augment agriculture advances, your Bank
conducted Special Campaigns viz. Kharif and Rabi
campaigns for crop loans under which the disbursements
of Rs 5,284 crore and Rs 2,262 crore, respectively, were
made. Another campaign for Investment Credit was also
launched under which disbursements of Rs 1,096 crore were
made. The Bank also organized 4,245 Village Level Credit
Camps and disbursed Rs 2,922.48 crore to 2,06,375
borrowers during FY13. It identified 450 Thrust Branches
across India to enhance agriculture lending which
contributed 36.0% of total Agriculture outstanding as at
end-March 2013.
Additionally, it formulated various Area-specific Schemes
tailor-made to the local requirements, particularly where
there is a concentration of activities like cold storages,
poultry units, fishery etc. Suitable concessions in the rates
of interest, charges, etc. were allowed under these schemes
to garner maximum possible business.
Your Bank also introduced an automated loan processing
system for improving the efficiency of branches in processing
of loan proposals under agriculture thereby facilitating timely
availability of credit to farmers in adequate quantity.
MSME Business
Financial inclusion
To give a boost to the MSME business, your Bank opened

five new SME Loan Factories at Indraprastha (New Delhi),
Anand, Bhopal, Junagarh, and Jalandhar taking the total
of SME loan factories to 52 across India. The loan-factory
Your Bank has been actively participating in the Direct

Benefit Transfer (DBT) scheme of the government and
particularly shouldering this responsibility in its 45 lead
districts. It made operational the Aadhaar Payment Bridge
11
2012-13
System (APBS) wherein the benefits are transferred directly

into beneficiaries accounts based on the Aadhaar number.
This means the government agencies need not maintain
bank details and account number of beneficiaries. To further
smoothen the transactions by using the Aadhaar Enabled
Payment System (AEPS) that allows online inter-operable
financial transactions by PoS (Micro ATM) through the
Business Correspondent of any bank using the Aadhaar
authentication, your Bank has made it operational by midMay 2013.
Your Bank continued with full vigour its drive towards
Financial Inclusion. It opened 170 branches in rural
operations of which 101 were opened in unbanked rural
centres during FY13. It established 2,695 Ultra Small
Branches across the country during the year under
consideration. For MGNREGA transactions, your Bank set
up a Pilot Project for Sanganer Block in the state of
Rajasthan during the year and processed 9,593 transactions
amounting Rs 86,54,676/-.
Under APBS, your Bank linked 1, 31,735 Adhaar Cards and
provided credit to 6,635 beneficiaries amounting to Rs 49,
01,659/-.
information Technology Structure
With the purpose to encourage alternate delivery channels,
your Bank completely revamped its Internet Banking, viz.,
Baroda Connect (Retail portal) by enhancing its look & feel
and promoting the user friendliness. Moreover, your Bank
continued to add more facilities under its Internet Banking
channels. Other enhanced features such as Tax payments
of various States, Integration of GRIPS (Government
Revenue Receipts for West Bengal), Credit to Loan
accounts, Bill payments, Online donations to Prime Minister
Relief Fund, India Life Insurance premium payment through
e-banking, IMPS(Immediate Payment services) through
e-banking were added during the year. Your Banks Internet
banking facility was made available on all Smart-phones/
tablets offering comfort of anywhere banking to its
customers. Internet Banking was also extended to 13
overseas territories viz. Tanzania, Uganda, Kenya, Mauritius,
Seychelles, Botswana, New Zealand, UAE, Fiji and by
adding transaction-based internet banking in UK, Oman and
Ghana and view-based internet banking in Australia during
FY13. A view-based e-banking was also provided in all the
RRBs sponsored by your Bank. In order to enhance security
and confidence in the Internet Banking, your Bank introduced
enhanced security features by deploying Fraud Management
Solution, including two factor authentications in India and
five Overseas territories viz. UAE, UK, New Zealand, Kenya
and Uganda by enabling ARCOT OTP, PULL OTP and SMS
OTP.
To encourage Bank customers to use Mobile Banking, your
Bank added many more features viz., IMPS i.e. Immediate
Payment Services Person to Account (P2A) fund transfer,
enabling mobile banking application in all i-Phones and
12
i-Pads in addition to Blackberry, Android, Windows, enabling

of NUUP(National Unified USSD Platform) etc. Also, your
Bank is in the process of implementing P2M (person to
Merchant) fund transfer under IMPS and has acquired India
First Life Insurance as the first merchant. Your Bank
proposes to enable Mobile Banking application for
Windows8, Implementation of Mobile banking in Uganda
and UAE etc. Your Bank has also initiated implementation
of Mobile banking in its sponsored RRBs.
Your Banks ATM Switch was upgraded to a higher version
along with a hardware up-gradation with many enhanced
features for better performance, speedy ATM transactions
and ease of ATM expansion during the year. The ATM switch
was upgraded for India, UAE, Oman, Mauritius, Fiji,
Tanzania, Botswana, T&T and New Zealand. Many
customer-centric initiatives such as implementation of Rupay
ATM Cards, Rupay POS and Rupay KCC Cards, Brown
label ATMs, Collection of Insurance premium for IndiaFirst
Life Insurance Policy holders through ATMs, ATM
Transaction receipt printing in Hindi, Regional Language
Screen selection for Gujarati, Marathi and Tamil, Talking
ATMs for visually impaired persons, implementation of Fraud
Management Solution in ATMs/ POS in India were added
during the year. Your Bank could successfully launch the
Rupay ATM and Rupay KCC cards for its RRBs also.
To enhance the security features, your Bank implemented
Fraud Management Solution for Internet Banking, ATM &
POS. Also, your Bank enabled the SMS Alerts delivery
facility to its customers for all transactions made through
alternate delivery channels and for all CBS transactions
worth Rs 5000 and more. Moreover, your Bank is regularly
conducting VAPT (Vulnerability Assessment & Penetration
Testing) of external facing applications, e-banking log
monitoring, etc. Even for the branches, your Bank
heightened the security systems by enabling a Fraud Risk
Management System for day-to-day monitoring of suspicious
transactions at branches.
h. R. initiatives
Your Bank has adopted a very balanced people strategy to
create a composite and responsible Human Resource
culture in the Bank that can drive growth and also adequately
face various challenges of the current times, viz. the large
retirements, massive induction of talent, huge training
requirements and challenges of succession and productivity.
A comprehensive HR strategy and Framework has been
drawn up to take care of all these challenges in an integrated
manner through a focused HR transformation project called
Project SPARSH which is unique and path-breaking in the
entire industry.
Your Bank has taken a major step to develop the next line
of leaders for the future by putting in place a Talent
Management System which proactively identifies future
potential leaders to cater to the leadership gaps likely to
arise in the next five years.

Your Bank has developed a scientific manpower planning
model to estimate manpower needs by level, skills and by
branch. It has also done a strategic workforce planning for
the next few years to feed into various other HR functions
like recruitment planning, career progression vacancies and
postings/deployment, etc.
In order to make the large number of fresh recruits productive
in the quickest possible time, your Bank has initiated a very
structured on-boarding programme consisting of both
functional and cultural components which would enable the
persons to be work-ready quickly and also help in their
cultural assimilation within the Bank.
Another major initiative is the Baroda Manipal School of
Banking jointly taken by your Bank and Manipal Global
education to train students for a banking career within your
Bank on a first-day, first-hour productivity model. The
students undergo a focused one-year programme which is
tailored to the Banks requirements and leads to the award
of a post-graduate diploma in Banking and Finance, before
they are absorbed in the Bank as Probationary officers.
Risk Management
To ensure sustainable and consistent growth, your Bank has
developed a sound risk management framework so that the
risks assumed by the Bank are properly assessed and
monitored on a continuous basis. Your Banks Board has
put in place a robust Enterprise-wide Risk Management
architecture so that the risks remain within the risk appetite
defined by the Board.
While your Bank has made a successful migration to Basel
II framework, with the preponderance of common equity in
the tier I capital as well as total capital of the Bank, your
Bank does not envisage any difficulty in implementing Basel
III capital rules.
Key Achievements in FY13
In spite of the challenging business environment, your Bank
ended the year under review with a satisfactory set of results.

Your Banks Global Business expanded by 19.3%

(y-o-y) to Rs 8,02,069 crore by end-March, 2013. Within
this, the Domestic Business expanded by 17.4% to
Rs 5,66,000 crore and the Overseas Business
increased by 24.2% to Rs 2,36,069 crore.
The Global Deposits of your Bank registered a growth

of 23.1% (y-o-y) to Rs 4,73,883 crore by end-March
2013. The Domestic Deposits expanded by 22.0% to
Rs 3,41,706 crore, while the Overseas Deposits rose
by 26.2% to Rs 1,32,178 crore.
Amidst aforementioned challenges, your Banks CASA

deposits increased by 15.9% (y-o-y) to Rs 1,19,981
crore.
The share of Domestic CASA as on 31st March 2013

stood at 30.38%.
2012-13
Your Banks Global Advances increased by 14.2%

(y-o-y) to Rs 3,28,186 crore by end-March 2013. While
Domestic Advances rose by 11.0% to Rs 2,24,294
crore, Overseas Advances surged by 21.8% to Rs
1,03,891 crore.
The Retail Credit of your Bank increased by 6.7%

(y-o-y) to Rs 38,046 crore during FY13, of which, home
Loans increased by 13.5% to Rs 16,045 crore.
Your Banks SME Credit portfolio expanded by 30.3%

(y-o-y) to Rs 44,974 crore by end-March 2013. While
its Farm Credit remained flat at Rs 28,739 crore
(primarily due to a change in regulatory definitions), its
Credit to Weaker Sections increased by 7.5% to Rs
17,045 crore.
Your Banks Operating Profit stood at Rs 8,999.15

crore and Net Profit at Rs 4,480.72 crore in FY13.
The Return on Average Assets (ROAA) stood at

0.90% in line with your Banks guidance.
Despite capital infusion, the Return on Equity (ROE)

was at 14.59% as at 31st Mar, 2013.
Your Bank managed to protect its niM at 3.11% in

Domestic Operations and at 2.66% in Global Operations
during FY13.
Given your Banks prudent approach, its Provision

Coverage Ratio was at 68.24% as on 31st March 2013
relatively higher in a PSU banking segment.
Your Banks Capital Strength gets reflected in its CRAR

(Basel ii) at 13.30% and Tier I capital at 10.13% as on
31st March 2013.
Your Banks Cost-income Ratio continued to be at a

relatively lower level of 39.79% for FY13.
While its Earnings per Share stood at Rs 108.84, its

Book Value per Share stood at Rs 729.69.
Awards & Accolades

During FY13, your Bank received several awards for its
excellent performance across various business and financial
parameters.
These awards included- Bloomberg UTV Financial
Leadership Award Best PSU Banking; Dun & Bradstreet
Polaris Financial Technology Banking Awards; Best Public
Sector Bank under the category Global Business
Development-Overall Best Public Sector Bank; Banking
Technology Award-2011 by IBA; Use of Technology in
Training & e-learning Winner; Best Customer Relationship
initiatives 1st Runner up; Best use of Business Intelligence
1st Runner up; Best use of mobility tech in Banking 2nd
Runner up; Best Risk management & Security initiatives
2nd Runner up; Business India Best Bank Award 2012;
Forbes India Leadership Award Best CEO Public Sector;
13
2012-13
CNBC TV18 India Best Banks and Financial Institutions

Award 2012 Best Public Sector Bank; Best Large Bank
2012 Business World November 26th 2012 Issue; Best
Large Bank 2012 Business Today KPMG December
2012; Best Public Sector Bank Award by State Forum of
Bankers Club, Kerala, December 2012, at Ernakulam;
Business Standard Banker of the Year (2011-12); FE Best
Banks Award 2011-12 for Best PSU Bank awarded by
Financial Express Group; The Most Efficient Public Sector
Bank by Dalal Street Investment Journal on 23/03/2013;
National Award for 2011-12, conferred for excellence in the
field of Khadi & village Industries by Khadi & Village
Industries Commission on 3rd April,2013; Strategic
Communication and Leadership Award by Asian
Confederation of Business and World CSR Congress at
Corporate Affairs Award Ceremony.
B for Business growth (to increase the market share)
While these awards and titles mean recognition for your

Banks superior performance, they also bring more
responsibility to it. The Team Baroda is aware that all
stakeholders expect much more from your Bank now.
During FY14, your Bank plans to enhance its self-service

channels substantially with the objective of providing world
class hassle free services to its customers. It proposes to
add 3,500 additional ATMs and cash dispensers plus selfservice passbook printing kiosks in 1,500 branches and
also 25,000 POS (Point of Sale) machines.
Team Baroda has to live up to these expectations and let

me add that we find this an exciting challenge to meet.
Looking Forward
Following a sharp slowdown in FY13, there are expectations
of a modest recovery in FY14, with some pick-up likely in
the second half of the year. There are expectations of a
normal monsoon in FY14 which would positively support
not just the agricultural growth but also the growth of industry.
The factors like downward movement in commodity prices,
easing financial conditions, the recent corrective steps taken
by the government to reduce the bottlenecks in investment
and a likely modest pick-up in exports suggest a relatively
better economic scenario in FY14 as compared to that in
FY13.
Notwithstanding the uncertainties in economic environment,
your Bank will continue to grow its business sustainably
even in FY14. To achieve this, you Bank would focus on
people, processes and technology following a strict code of
business conduct and ethics.
Your Bank is in a position of strength, driven by a strong
balance sheet, good deposit franchise, rich capital adequacy,
a consistent leadership and prudent risk management
systems.
Banks Corporate Goals and Strategy
For the year FY14, the motto of your Bank is designed in
such a manner that it refocuses the Bank towards addressing
the current concerns and ensures a strong path forward.
A for Asset Quality (to be kept at the highest)

S for Solvency & Liquidity (to be maintained through
proper ALM)
I for Innovation (to be the key differentiator)
C for Customer Centricity (to be the key driver)
S for Systems & Procedure (to be continuously
updated to support above pillars)
To further sharpen the focus, your Bank has recently created
two new business verticals, notably the Deposit Resources,
Wealth Management & Marketing and the Government
Business.
It plans to deploy 100 bunch note acceptors, 50 self-service

24x7 e-lobbies equipped with cash dispensers, cash
acceptors, cheque deposit machines, internet banking
kiosks, self-service passbook printing kiosks, and hotline to
the Banks contact centers. Your Bank also proposes to
develop single note acceptors for cash acceptance in
smaller centers.
Your Bank plans to focus on mobilizing low cost CASA
deposits and balancing the credit portfolio more in favour
of retail, SME and agriculture. Your Bank also proposes to
focus on non-interest income and prudent control over
expenses. Furthermore, the Bank would pursue prudent
management of bad debts by containing slippages.
Your Banks relatively steady performance in FY13 strongly
demonstrates its intrinsic value, its resilience, its robust
systems, processes and people and its sustainability,
customer confidence and competitive strength. Your Bank
continued to grow without losing a grip over asset quality
even though the nation witnessed negative growth drivers
for much of the financial year FY13.
I am confident and optimistic about the Banks prospects
as we continue to ride out the phase of economic slowdown
and emerge stronger and more responsive to the nations
needs.
In this journey of your Bank, I solicit your continued
cooperation and patronage.
BACK To BASICS is the motto of your Bank for FY14.

BASICS is defined in such a manner that each letter
represents the critical banking function.
14
S. S. Mundra
veesefme /
2012-13
NOTICE
yeQke Dee]@He ye[ewoe BANK OF BARODA

HeOeeve keeee&uee : ceeb[Jeer, Je[esoje- 390 006
Head Office : Mandvi, Vadodara 390 006
keeheexjs keeee&uee : ye[ewoe keeheexjs meWj, meer-26, peer yuee@ke,

yeebe keguee& keecheueskeme, yeebe (hetJe&), cegcyeF& - 400 051.
Corporate Office: Baroda Corporate Centre,C-26, G Block,

Bandra Kurla Complex, Bandra (East), MUMBAI 400 051
(Website: www.bankofbaroda.com)
Sleodeje metefele efkeee peelee nw efke yeQke Dee@]He ye[ewoe kes MesejOeejkeeW keer 17JeeR
Jeee|<eke meeceeve yew"ke mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej, mesJee meove,
yeQke Dee@He ye[ewoe Meleeyoer Je<e& (2007-2008), er.heer.-1, SHe.heer. 549/1, peerF&yeer
kee@ueesveer kes heeme, Deesu[ heeoje jes[, Dekeese-Je[esoje 390020 ceW yegOeJeej
efo. 26 petve, 2013 kees heele 10.30 yepes Deeeesefpele nesieer. FmeceW efvecveefueefKele
keejesyeej mebeeefuele neWies
NOTICE is hereby given that the 17th Annual General

Meeting of the Shareholders of Bank of Baroda will be held
on Wednesday, 26th June 2013 at 10.30 a.m. at Sir Sayajirao
Nagargriha, Vadodara Mahanagar Seva Sadan, Bank of Baroda
Centenary Year (2007-2008), T.P. - 1, F.P. 549/1, Near GEB
Colony, Old Padra Road, Akota, Vadodara 390020, to transact
the following business:
1.
yeQke kee 31 ceee&, 2013 kes leguevehe$e, 31 ceee&, 2013 kees meceehle Je<e& kes
ueeYe-neefve uesKee, uesKeeW ceW meceeefnle DeJeefOe kes keee&efve<heeove leLee keee&keueeheeW
hej efveosMeke ceb[ue keer efjhees& Deewj legueve-he$e SJeb uesKeeW hej uesKee hejer#ekeeW
keer efjhees& hej efJeeej-efJeceMe&, Devegceesove Je FvnW mJeerkeej kejvee.
1.
2.
Je<e& 2012-13 kes efueS ueeYeebMe keer Iees<eCee kejvee.
To discuss, approve and adopt the Balance Sheet of the

Bank as at 31st March 2013, Profit and Loss Account for
the year ended 31st March, 2013, the report of the Board
of Directors on the working and activities of the Bank for
the period covered by the accounts and the Auditors
Report on the Balance Sheet and Accounts.
2.
To declare dividend for the year 2012-13.
mLeeve : cegbyeF&
leejerKe : 13/5/13
Sme. Sme. cetbo[e

DeOe#e SJeb HeyebOe efveosMeke
Place : Mumbai
Date : 13th May 2013
S.S. Mundra
Chairman and Managing Director
15
2012-13
efHHeefCeeeb / NOTES
1.
Hee@kemeer keer efveegefkele
1.
A SHAREHOLDER ENTITLED TO ATTEND AND VOTE

AT THE MEETING IS ENTITLED TO APPOINT A PROXY
(OTHER THAN AN OFFICER OR AN EMPLOYEE OF
THE BANK) TO ATTEND AND VOTE INSTEAD OF
HIMSELF/HERSELF AND THE PROXY NEED NOT BE A
SHAREHOLDER OF THE BANK. No instrument of Proxy
shall be valid unless it is in Form B as annexed in the
Annual Report. The Proxy, in order to be effective, must be
received at Head Office situated at Bank of Baroda, KYC &
AML Department, 08th Floor, Suraj Plaza I, Sayajiganj,
Vadodara 390 005 not less than four days before the date
of meeting i.e. on or before the closing hours of the Bank
at 5.00 p.m. on 21st June 2013, together with the Power of
Attorney or other authority, if any, under which it is signed
or a copy of that Power of Attorney or other authority
certified as a true copy by a Notary Public or a Magistrate
unless such Power of Attorney or other authority has been
previously deposited and registered with the Bank.
yew"ke ceW Yeeie uesves Deewj cele osves kes efueS hee$e MesejOeejke yew"ke ceW Yeeie uesves
Deewj cele osves kes efueS Deheves mLeeve hej heek@ emeer efveege kej mekesiee / mekesieer
(yeQke kes efkemeer DeefOekeejer DeLeJee kece&eejer kes DeueeJee Deve kees) Deewj en
DeeJeMeke vener nesiee efke efveege heek@ emeer yeQke kee Mesej Oeejke nes. heek@ emeer kee
keesF& Yeer efJeuesKe leYeer JewOe ceevee peeSiee, peye Jen Jeee|<eke efjhees& kes meeLe Yespes
ieS Heece& ``yeer'' ceW Yeje ieee nes. Ge heek@ emeer leYeer heYeeJeer ceeveer peeSieer eefo en
yew"ke keer leejerKe mes kece mes kece 4 efove hetJe& DeLee&le 21 petve, 2013 kees meebe
5.00 yepes leke ee Gmemes hetJe& yeQke Dee@H] e ye[ewoe, kesJeeemeer SC[ SSceSue
efJeYeeie, 8Jeeb leue, metjpe hueepee-I, meeepeeriebpe, ye[ewoe 390005 eqmLele
heOeeve keeee&uee ceW heehle nes peeSieer Deewj Fmekes meeLe cegKleejveecee DeLeJee Deve
heeefOekeej he$e keer heelf e pees efke veesjer heeqyueke DeLeJee ceefpem^s eje meleeefhele
nes, kees Yeer meeLe ceW Yespee peeSiee, eefo Ge cegKleejveecee DeLeJee Deve
heeefOekeej he$e hetJe& ceW yeQke ceW pecee Deewj hebpeerke=le ve efkeee ieee nes.
2.
HeefleefveefOe keer efveegefkele

keesF& Yeer Jeefe efkemeer kebheveer kes efJeefOeJele heefleefveefOe kes he ceW yew"ke ceW
Yeeie uesves DeLeJee Jees osves kes efueS leye leke hee$e veneR nesiee peye leke efke
Gmes Ske eLeeefJeefOe heeefOeke=le heefleefveefOe kes he ceW efveege kejves mebyebOeer
mebkeuhe keer Ske heefle, efpemes Gme yew"ke, efpemeceW en heeefjle efkeee ieee Lee,
kes DeOe#e eje Ske mele heefleefueefhe kes he ceW DeefYeheceeefCele ve efkeee ieee
nes, yew"ke keer leejerKe mes 4 efove hetJe& DeLee&le efoveebke 21 petve, 2013 kees
meebe 5.00 yepes ee Fmemes henues yeQke kes heOeeve keeee&uee ceW Ghejese heles
hej pecee ve kej efoee ieee nes.
3.
GHeefmLeefle - Heeea men HeJesMe He$e
2.
MesejOeejke - jefpemj kee yebo nesvee
3.
ueeYeebMe kee Yegieleeve

yeQke kes efveosMeke ceb[ue ves 13 ceF&, 2013 Deeeesefpele Deheveer yew"ke ceW 31
ceee&, 2013 kees meceehle efJeeere Je<e& kes efueS hetCe& heoe heleske . 10/- kes
hetCe& heoe Mesej kes efueS . 21.50 (heS Fkekeerme Deewj Heeeme Hewmes cee$e)
keer oj mes ueeYeebMe mebmlegle efkeee nw. efveosMeke ceb[ue eje mebmlegle leLee
17JeeR Jeee|<eke meeceeve yew"ke ceW Devegceesefole ueeYeebMe kee Yegieleeve efvecveevegmeej
efkeee peeSiee.
ke)
16
14 petve, 2013 kees keejesyeej mecee keer meceeeqhle hej vesMeveue
Attendance Slip-Cum Entry Pass:

For convenience of the Shareholders, Attendance Slipcum-Entry Pass is annexed to this Notice. Shareholders
are requested to fill-in and affix their signatures at the
space provided therein so as to save time and hand
over the same at the venue of the Meeting. Proxy /
Representative of the shareholder should state on the
attendance slip as "Proxy" or "Representative", as the
case may be.
4.
yeQke kes MesejOeejkeeW kee jefpemj leLee Mesej DeblejCe jefpemj 15 petve,
2013 mes 26 petve, 2013 leke (oesveeW efove meefnle) Jeee|<eke meeceeve yew"ke
leLee Je<e& 2012-13 kes ueeYeebMe Yegieleeve kejves kes GsMe mes yebo jnsiee.
5.
Appointment of Representative:
No person shall be entitled to attend or vote at the meeting
as a duly authorized representative of a Company unless a
copy of the resolution appointing him as a duly authorized
representative, certified to be true copy by the Chairman
of the meeting at which it was passed shall have been
deposited at the Head Office of the Bank at the address
given above, not later than four days before the date of
meeting i.e. on or before the closing hours of the Bank at
5.00 p.m. on 21st June 2013.
MesejOeejkeeW keer megeJf eOee nsleg Fme efjhees& kes meeLe GheeqmLeefle heeea men heJesMe
he$e mebueive nw. MesejOeejkeeW mes DevegjesOe nw efke GheeqmLeefle heeea Yejkej Deewj
GmeceW oMee&S ieS mLeeve hej Deheves nmlee#ej kejkes, Fmes yew"ke mLeue hej meeQhe
oW. MesejOeejkeeW kes heek@ emeer / heelf eefveefOe kees GheeqmLeefle heeea hej eLeeeqmLeefle ``hee@
kemeer'' ee ``heelf eefveefOe'' pewmeer Yeer eqmLeefle nes, Debekf ele kejvee eeefnS.
4.
Appointment of Proxy
Closure of Register of Shareholders:

The Register of Shareholders and Share Transfer Books
of the Bank will remain closed from 15th June 2013 to
26th June 2013 (both days inclusive) for the purpose of
Annual General Meeting and payment of dividend for the
year 2012-13.
5.
Payment of Dividend :
The Board of Directors of the Bank in its meeting held on
13th May 2013 has recommended dividend @ Rs. 21.50
(Rupees Twenty One and paise Fifty only) per equity
share of Rs.10/- each fully paid up, for the financial year
ended 31st March 2013. Dividend as recommended by
the Board of Directors and approved at the 17th Annual
General Meeting will be paid as under:
a)
To all beneficial owners in respect of shares held
Ke)
ie)
6.
Ke)
ie)
in electronic form as per the data as may be made

available by the National Securities Depository
Limited (NSDL) and the Central Depository Services
(India) Limited (CDSL) as of the close of the business
hours on 14th June 2013.
efmekeetefjerpe ef[hee@efpejer efueefces[ (SveSme[erSue) Deewj meWûe ef[hee@

efpejer mee|Jemespe (Fbef[ee) efue. (meer[erSmeSue) eje GheueyOe kejeS
ieS Deebke[s kes Devegmeej Fueskeê@efveke he ceW Oeeefjle MesejeW kes mebyebOe
ceW meYeer ueeYeeLeea MesejOeejkeeW kees.
14 petve, 2013 kees keejesyeej mecee keer meceeeqhle kees ee Fmemes hetJe&
yeQke / yeQke kes jefpemêj Deewj Mesej DeblejCe SpeW DeLee&le cesmeme&
keeJeea kebhetjMesej hee. efue. nwojeyeeo (DeejerS) kes heeme ope&
Mesej nmleeblejCe DevegjesOe kes mebyebOe ceW JewOe nmleevlejCe heYeeJeer
kejves kes heeele Yeewefleke he ceW Oeeefjle MesejeW kes mebyebOe ceW meYeer
meomeeW kees.
17JeeR Jeee|<eke meeceeve yew"ke keer leejerKe mes 30 efove kes Deboj hee$e
MesejOeejkeeW kees ueeYeebMe efJeleefjle efkeee peeSiee.
heles ceW heefjJele&ve / ueeYeebMe DeefOeosMe:

ke) Fueskeê@efveke he ceW Mesej jKeves Jeeues meomeeW kees Fmekes eje
metefele efkeee peelee nw efke Gvekes mebyebefOele ef[heeefpejer Keeles ceW
hebpeerke=le yeQke efJeJejCeeW kees yeQke eje ueeYeebMe kee Yegieleeve kejves kes
efueS Gheeesie ceW ueeee peeSiee. yeQke DeLeJee Fmekee jefpemêj Deewj
Mesej nmleeblejCe SpeW, Fueskeê@efveke he ceW Mesej jKeves Jeeues
meomeeW kes meerOes ner heehle Ssmes efkemeer DevegjesOe hej keee&Jeener veneR
kejsiee pees yeQke efJeJejCeeW DeLeJee yeQke ceW[s mes mebyebefOele neWies. Ssmes
heefjJele&veeW keer metevee kesJeue meomeeW kes ef[hee@efpejer menYeeieer kees
ner oer peeveer eeefnS.
Yeewefleke he ceW Mesej jKeves Jeeues meomeeW mes DevegjesOe nw efke eefo
Gvekes heles ceW keesF& heefjJele&ve nes lees Fmekeer metevee lelkeeue yeQke kes
jefpemêj Deewj Mesej nmleeblejCe SpeW DeLee&le cesmeme& keeJeea
kebhetjMesej hee.efue.nwojeyeeo kees oW. Fueskeê@efveke he ceW Mesej
jKevesJeeues meomeeW kees Deheves heles ceW efkemeer hekeej kes heefjJele&ve keer
metevee DeJeMe ner Deheves mebyebefOele ef[hee@efpejer menYeeieer kees osveer
eeefnS. yeQke DeLeJee yeQke kes jefpemêj Deewj Mesej nmleeblejCe SpeW
kees metevee osves keer DeeJeMekelee veneR nw.
meomeeW mes DevegjesOe nw efke Jes yeQke DeLeJee yeQke kes jefpemêj Deewj
Mesej nmleeblejCe SpeW kes meeLe efkemeer Yeer hekeej kes he$e-JeJenej
ceW Deheves mebyebefOele Heesefueees vebyej (Gvekes efueS, efpevekes heeme Mesej
Yeewefleke he ceW nw) Deewj Dehevee [erheer DeeF&[er/ieenke DeeF&[er vebyej
(Gvekes efueS, efpevekes heeme Mesej Fueskeê@efveke he ceW nQ) kee GuuesKe
DeJeMe kejW.
7.
Heesefueees kee meceskeve

efpeve MesejOeejkeeW kes heeme Ske mes DeefOeke Keeles ceW Deheves mecehe veece mes
Mesej nQ, Gvemes DevegjesOe nw efke Jes jefpemêj SJeb DeblejCe SpeW kees Mesej
heceeCe-he$eeW kes meeLe Ssmes KeeleeW kes efueS uespej Heesefueees keer metevee oW leeefke
yeQke Ske Keeles ceW meYeer Oeeefjle MesejeW kee meceskeve kej mekes. he=ebkeve
mebyebOeer DeeJeMeke keej&JeeF& kejves kes yeeo meomeeW kees Mesej heceeCe he$e
eLeemecee ueewe efoS peeSbies..
8.
Yeewefleke he ceW Mesej Oeeefjlee kee DeYeeweflekeerkejCe

Yeewelf eke he ceW Mesej jKevesJeeues MesejOeejke Deheveer Mesej Oeeefjlee kee
DeYeewelf ekeerkejCe kej mekeles nQ, Fmekes efueS GvnW Deheves Gme mebyebeOf ele ef[hee@epf ejer
menYeeieer mes mebheke& kejvee eeefnS peneb Gvekee Dehevee [erces Keelee nw.
2012-13
6.
7.
b)
To all the members in respect of shares held in

physical form after giving effect to valid transfers in
respect of transfer requests lodged with the Bank /
Banks Registrar and Share Transfer Agent i.e. M/s
Karvy Computershare Private Limited, Hyderabad
(RTA) on or before the close of business hours on
14th June 2013.
c)
The dividends will be distributed to the eligible

shareholders within 30 days from the date of the 17th
Annual General Meeting.
Change of Address / Dividend Mandate :

a)
Members holding shares in electronic form are hereby

informed that bank particulars registered against
their respective depository account will be used by
the Bank for payment of dividend. The Bank or its
Registrar and Share Transfer Agent can not act on
any request received directly from the members
holding shares in electronic form for any change of
bank particulars or bank mandates. Such changes
are to be advised only to the Depository Participant
of the Members.
b)
Members holding shares in physical form are

requested to advise any change of address
immediately to the Banks Registrar and Share
Transfer Agent, i.e. M/s Karvy Computershare Private
Limited, Hyderabad. Members holding shares in
electronic form must send the advice about change
in address to their respective Depository Participant
only and not to the Bank or Banks Registrar and
Share Transfer Agent.
c)
Members are requested to invariably quote their

respective folio number/s (for those holding shares
in physical form) and their respective DP Id / Client
Id number (for those holding shares in electronic/
demat form) in any correspondence with the Bank
or Banks Registrar and Share Transfer Agent.
Consolidation of Folios:
The Members holding shares in physical form in identical
order of names in more than one account are requested to
intimate to the Banks Registrar and Share Transfer Agent,
the ledger folio of such accounts together with the share
certificates to enable them to consolidate all the holdings
into one account. The share certificates will be returned
to the members after making necessary endorsement in
due course.
8.
Dematerialization of Physical holdings:

The Shareholders who are holding shares in physical
mode may convert their holdings in dematerialized form,
for which they may contact their respective Depository
Participant, where they maintain their respective de-mat
account.
17

9.
2012-13
DeblejCeeW kes efueS HemlegleerkejCe

Mesej heceeCe-he$eeW kees DeblejCe efJeuesKeeW kes meeLe yeQke kes jefpemêj SJeb Mesej
DeblejCe SpeW kes heeme efvecveefueefKele heles hej Yespee peevee eeefnScewmeme& keeJeea kecHetjMesej Hee.efue.
(FkeeF& : yeQke Dee@]He ye[ewoe)
Huee@ meb.17-24, efJeuejeJe veiej,
Fcespe ne@efmheue kes efveke,
ceeOeeHegj, nwojeyeeo - 500 081
sueerHeesve : 040 2342 0815 mes 820
Hewkeme : 040 2342 0814
F&-cesue : einward.ris@karvy.com
10.
oeJee ve efkeS ieS ueeYeebMe, eefo keesF& nes

efpeve MesejOeejkeeW ves efheues Je<eeX kes Deheves ueeYeebMe he$eeW kee vekeoerkejCe ve
kejeee nes DeLeJee ueeYeebMe he$e GvnW heehle ve ngS neW, GvnW metefele efkeee
peelee nw efke Jes jefpemêj SJeb DeblejCe SpeW nwojeyeeo DeLeJee yeQke kes
efveJesMeke mesJeeSb efJeYeeie, cegbyeF& mes efvecveefueefKele heles hej meerOes mebheke& kejW :
efveJesMeke mesJeeSb efJeYeeie
yeQke Dee@]He ye[ewoe, leermejer cebefpeue, ye[ewoe keeheexjs meWj
meer-26, peer-yuee@ke, yeeve keguee& kee@cHeueskeme,
yeeve (HetJe&), cegbyeF& - 400 051
F&-cesue - investorservices@bankofbaroda.com
MesejOeejke ke=heee vees kej ueW efke yeQkekeejer kebheveer (GheeceeW kee Depe&ve SJeb
DeblejCe) DeefOeefveece,1970 ceW mebMeesOeve kes HeuemJehe yeQkekeejer kebheveer
(GheeceeW kee Depe&ve SJeb DeblejCe) leLee efJeeere mebmLeeve efJeefOe (mebMeesOeve)
DeefOeefveece, 2006 kes cesve]pej meeJe&peefveke #es$e kes yeQkeeW kes efueS en DeefveJeee&
nw efke Jes Ge DeefOeefveece ueeiet nesves kes HeuemJehe Yegieleeve nsleg /oeJee nsleg Mes<e
ueeYeebMe keer jeefMe leLee Ge DeefOeefveece ueeiet nesves kes yeeo Ieese<f ele ueeYeebMe
"Deheoe ueeYeebMe Keeles" ceW Debleefjle kejW.
"Deheoe
ueeYeebMe Keeles" ceW Debleefjle jeefMe Deewj DeblejCe keer leejerKe mes meele Je<e&
keer DeJeefOe es DeoeJeeke=le /Deheoe jeefMe kees kebheveer DeefOeefveece, 1956 keer
Oeeje 205 (meer) keer Ghe Oeeje (I) kes Debleie&le mLeeefhele efveJesMeke efMe#ee Deewj
mebj#eCe efveefOe ceW Debleefjle efkeee peevee Dehese#f ele nw. Fme jeefMe kee Gheeesie
kebheveer DeefOeefveece, 1956 keer Oeeje 205 meer kes Debleie&le GequueefKele GsMe mes
leLee eLeeefJeefOe efkeee peeSiee Deewj Gmekes heeele Fme mebyebOe ceW Yegieleeve kes efueS
keesF& oeJee yeQke kees ee efveefOe kees hemlegle veneR efkeee peeSie.
11.
meomeeW mes DevegjesOe

ke=heee vees kejW efke Jeee|<eke meeceeve yew"ke ceW Jeee|<eke efjhees& keer heefleeeb
efJeleefjle veneR keer peeSbieer. Dele meomeeW mes DevegjesOe nw efke Jes yew"ke ceW
Jeee|<eke efjhees& keer heefle meeLe ueskej DeeSb.
18
9.
Lodgments for Transfers:

Share Certificate along with transfer deed should be
forwarded to the Banks Registrar and Share Transfer
Agent at the following address.
M/s Karvy Computershare Private Ltd.,
(Unit :- BANK OF BARODA)
Plot No. 17-24, Vithalrao Nagar,
Near Image Hospital, Madhapur,
Hyderabad 500 081
Phone No. 040 2342 0815 to 820, Fax No. 040 2342 0814
E- mail : einward.ris@karvy.com
10. Unclaimed/Unpaid Dividend, if any:

The Shareholders who have not encashed their dividend
warrants for the previous years are advised to approach
the Banks Registrar and Share Transfer Agent at aforesaid
address or at Banks Investors Services Department at
Mumbai on the following address :
Investors Services Department
Bank of Baroda, 3rd Floor, Baroda Corporate Centre,
C-26, G-Block, Bandra Kurla Complex, Bandra (E)
Mumbai - 400 051.
E-mail - investorservices@bankofbaroda.com
Shareholders are requested to carefully note that pursuant
to amendment in Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970 vide The Banking
Companies (Acquisition and Transfer of Undertakings)
And Financial Institutions Laws (Amendment) Act, 2006,
Public Sector Banks are required to transfer amount
remaining unpaid/unclaimed in dividend accounts of earlier
years on the commencement of the aforesaid Act, and
also dividend declared after the commencement of the
said Act, to Unpaid Dividend Account.
The amount transferred to the said Unpaid Dividend
Accounts and remaining unclaimed/unpaid for a period
of seven years from the date of transfer, is required to be
transferred to the Investors Education and Protection Fund
(IEPF) established under sub-section (I) of section 205 C
of the Companies Act, 1956, which shall be used for the
purpose and in the manner specified in section 205 C of the
Companies Act, 1956 and thereafter no claim for payment
shall lie in respect thereof to the Bank or the Fund.
11. Request to Members:
Please note that copies of the Annual Report will not be
distributed at the Annual General Meeting and hence
members are requested to bring their copies of the Annual
Report at the meeting.
2012-13
efveosMekeeW keer efjHees&
Deehekes efveosMeke ieCe yeQke keer 105 JeeR Jeee|<eke efjhees& kes meeLe 31 ceee&, 2013
kees meceehle Je<e& (efJeeere Je<e& 13) kes uesKee-hejeref#ele legueve he$e, ueeYe-neefve uesKee
Deewj JeJemeee SJeb heefjeeueve mebyebOeer efjhees& men<e& hemlegle kej jns nQ.
keee&efve<heeove
Keb[Jeej keee& efve<heeove

kegue keejesyeej (pecee SJeb Deefiece) ye{kej ` 8,02,069 kejes[ nes ieee. Je<e& efJeeere Je<e& 13 kes Keb[Jeej heefjCeeceeW ceW jepekees<eere heefjeeueve (^ps ejer) kee eesieoeve
` 1,070.13 kejes[
, kee@heexjs /nesuemesue yeQekE eie kee (-) ` 103.95 kejes[ , Kegoje yeQekE eie
Fme hekeej FveceW 19.3% keer Je=ef ngF&.
kee ` 3,085.71 kejes[ leLee Deve yeQekE eie heefjeeueveeW kee eesieoeve ` 2,221.71 kejes[
mekeue ueeYe SJeb Meg ueeYe eceMe ` 8,999.15 kejes[ SJeb jne. Deehekes yeQke ves ` 1,442.37 kejes[ kes iewj-Deeyebef le Keex Ieeves Deewj kejeW kes
efueS ` 350.51 kejes[ kee heeJeOeeve kejves kes yeeo ` 4,480.72 kejes[ kee kej-heeele
` 4,480.72 kejes[ jne. Meg ueeYe ceW efheues Je<e& keer leguevee
ueeYe (heerSer)
ceW -10.5% keer Je=ef ngF&.
$e+Ce pecee Devegheele efheues Je<e& kes 86.86% keer leguevee ceW 82.03% ueeYeebMe
Deehekes yeQke kes efveosMekeeW ves 31 ceee&, 2013 kees meceehle Je<e& kes efueS ` 21.50
jne.
heefle Mesej kee (` 10/- kes Debefkele cetue hej) ueeYeebMe hemleeefJele efkeee nw. FmeceW
Kegoje $e+CeeW ceW 6.7% keer Je=ef ngF& Deewj en efJeeere Je<e& 2013 ceW kej meefnle ueeYeebMe kes he ceW kegue Jee ` 1,059.62 kejes[ nesiee.
yeQke kes mekeue Iejsuet $e+CeeW kee 16.6% jne.
hetbpeer heee&hlelee Devegheele (meer.S.Deej.)
SceSmeSceF& $e+CeeW ceW 30.3% keer Je=ef ngF& Deewj en efJeeere Je<e& 2013 Deehekes yeQke kee hetbpeer heee&hlee Devegheele keeHeer Dee nw SJeb 31 ceee&, 2013 kees
ceW yeQke kes mekeue Iejsuet $e+CeeW kee 19.7% jne.
en yeemesue ii kes Debleie&le 13.30% nw.
efJeeere Je<e& 2013 ceW Jewefeke heefjeeueveeW ceW Meg yeepe Deblej 31 ceee&, 2013 kees Deehekeer yeQke keer Meg ceeefueele ` 30,714.19 kejes[ jner.
(SveDeeF&Sce) yeepe Depe&ke DeeeqmleeeW kes heefleMele kes he ceW 2.66% FmeceW egkelee hetbpeer ` 422.52 kejes[ Deewj heejef#ele efveefOe (hegvecet&ueebkeve efveefOe kees
es[kej) ` 30,291.67 kejes[ Meeefceue nw. ` 3,421.10 kejes[ keer jeefMe Dee|pele
SJeb Iejsuet heefjeeueveeW ceW 3.11% kes mlej hej jne.
ueeYe ceW mes heejef#ele efveefOe ceW Debleefjle keer ieeer.
Meg DeefieceeW ceW Meg iewj efve<heeoke Deeeqmleeeb 1.28% jneR peyeefke
mesJeeefveJe=efe leLee Deve ueeYeeW kes efueS heeJeOeeve
efheues Je<e& en 0.54% Leer.
efJeeere Je<e& 2013 kes oewjeve yeQke ves Gheoeve ceW DebMeoeve kes he ceW (` 133.00
hetbpeer heee&hlelee Devegheele (meerSDeej) yeemesue II kes Devegmeej 13.30% kejes[), heWMeve efveefOe kes he ceW (` 683.96 kejes[), DeJekeeMe vekeoerkejCe kes
jne.
he ceW (` 204.38 kejes[) leLee Deefleefje mesJeeefveJe=e ueeYe kes he ceW
Meg ceeefueele megOej kej ` 30,714.19 kejes[ nes ieeer. FmeceW 17.2% (` 184.29 kejes[) keer jeefMe kee Gheee DeeOeej hej heeJeOeeve efkeee nw. Fve
eejeW esefCeeeW ceW heeJeOeeve keer kegue jeefMe efJeeere Je<e& 2013 kes oewjeve
keer Je=ef ope& ngF&.
` 1,205.63 kejes[ jner peyeefke efJeeere Je<e& 2012 kes oewjeve en heeJeOeeve jeefMe
` 991.94 kejes[ Leer. ceee&, 2013 kes Deble ceW yeQke kes heeme Fve Meer<eeX kes lenle
Je<e& kes oewjeve yener cetue ` 637.37 mes ye{kej ` 729.11 nes ieee.
GheueyOe kegue DeeOeejYetle efveefOe Fme hekeej Leer ` 1,506.13 kejes[ (Gheoeve),
Je<e& kes oewjeve heefle kece&eejer keejesyeej ` 1,466 ueeKe mes ye{kej ` 6,770.08 kejes[ (heWMeve efveefOe), ` 709.73 kejes[ (DeJekeeMe vekeoerkejCe)
` 1,689 ueeKe nes ieee.
leLee ` 592.45 kejes[ (Deefleefje mesJeeefveJe=efe ueeYe).
ecegKe efJeeere Devegheele
efJeJejCe
efJeeere Je<e& 13
efJeeere Je<e& 12
Deewmele DeeeqmleeeW hej Deee (DeejDeesSS) (%)
0.90
1.24
efveefOeeeW keer Deewmele ueeiele
5.75
5.64
Deewmele Deee (%)
8.29
8.55
Deewmele yeepe Depe&ke Deeeqmleeeb (` kejes[ ces)
4,24,761.33
3,47,223.21
Deewmele yeepe Jenve kejves Jeeueer oseleeSb (` kejes[ ceW)
4,15,246.10
3,43,397.26
Meg yeepe ceee|peve (%)
2.66
2.97
ueeiele Deee Devegheele (%)
39.79
37.55
heefle Mesej yener cetue (` )
729.11
637.37
heefle Mesej Deee (` )
108.84
127.84
19
2012-13
heyebOeve efJeeej efJeceMe& Deewj efJeMues<eCe

efJeeere Je<e& 13 kee Deee|Leke heefjJesMe Deewj efJeeere Je<e& 14 keer mebYeeJeveeSb
kesvere meebeqKekeer mebie"ve eje efJeeere Je<e& 2013 kes efueS Yeejle keer
JeemleefJeke mekeue Iejsuet Glheeo oj Je=ef kee Devegceeve 5.0% efkeee ieee pees
Fme oMeeeqyo ceW ope& keer ieF& meyemes kece Je=efoj nw Deewj eneb leke efke Jewefeke
efJeeere mebke kes heLece Je<e& kes oewjeve ope& keer ieF& efJekeeme oj mes Yeer kece
nw. efJeeere Je<e& 2013 ceW Yeejleere DeLe&JeJemLee cetuele Dehesef#ele ceevemetve
yeeefjMe kes DeHes#ee mes kece nesves, DeJe mebjevee, efveee&le ceW efiejeJe,
keeheexjs efveJesMe kes kecepeesj nesves Deewj GheYeesie ceebie ceW kecepeesjer, pewmes
IekeeW kes keejCe Jeeheke DeeOeej hej kecepeesj jner. Oeerces Jewefeke efJekeeme
kes keejCe ueeeruee mesJee #es$e Yeer efJeeere Je<e& 2013 ceW keeHeer kecepeesj nes
ieee.
peneb leye ke=ef<e kee mebyebOe Lee, FmeceW 1.8% keer meeceeve Je=ef cegKele jyeer
(meoea) keer Hemeue kes keejCe jner keeeWefke KejerHe (ieer<ce) keer Hemeue ceevemetve
keer osjer kes keejCe heYeeefJele ngF&.
efJeeere Je<e& 2013 kes oewjeve Deeweesefieke efJekeeme (Glheeove, Keveve Deewj
Keoeve, efyepeueer, iewme, peue Deehete|le Je efvecee&Ce meefnle) ceW Yeer 3.1% heefleMele
keer efiejeJe ope& keer ieF&. en kecepeesj efve<heeove kecepeesj Jewefeke ceebie,
kecepeesj Deehete|le mebeespeve, Ge efveJesMe ueeiele, Oeerceer efveJesMe ieefleefJeefOe,
efveeeceke mebyebOeer Je heefjJesMeiele keeJeW Deewj efJeemeveere efJeegle Deehete|le keer
keceer pewmes hecegKe IekeeW kes keejCe Lee. meeLe ner GheYeesie ceebie ceW keceer ves Yeer
Deeweesefieke #es$e kes efJekeeme kees meeceevele Deewj efJeMes<e he mes ceesj Jeenve,
Keee Glheeo SJeb Jee Geesie kees heYeeefJele efkeee.
Iejsuet Deeweesefieke ieefleefJeefOeeeW keer kecepeesefjeeW Deewj veepegke Jewefeke heefjJesMe
ves efJeeere Je<e& 2013 ceW mesJee #es$e kes efJekeeme kees 6.6% leke veeres hengbeeee.
neueebefke meceie efJekeeme ceW yengle lespeer mes efiejeJe DeeF&. leLeeefhe cegemHeerefle
Je<e& kes oewjeve cepeyetle jner pees DeLe&JeJemLee kes eqmLej mHeereflehejke eqmLeefle
keer Deesj mebkesle kejleer nw. eeefhe nesuemesue cetue metekeebke ([yuetheerDeeF&)
Deewj GheYeesee cetue metekeebke (meerheerDeeF&) hej DeeOeeefjle cegemHeerefle keer oj
Deheves Gelece mlej mes kece ngF&. leLeeefhe, en Yeejleere efj]peJe& yeQke kes
meblegeq #es$e mes keeHeer DeefOeke jner.
nesuemesue cetue metekeebke ([yuetheerDeeF&) DeeOeeefjle cegemHeerefle ceW Deetyej
2012 mes ueieeleej megOeej ngDee. efmelecyej 2012 kes 8.06% kes Ge oj mes
en ceee& 2013 ceW 5.96% nes ieF&. Glheeove #es$e ceW ye{les ceebie Iees kes
keejCe keesj cegemHeerefle Yeer Deiemle 2012 kes 5.56% mes Iekej ceee& 2013
ceW 3.48% nes ieF&. Fmekes efJehejerle Kegoje cegemHeerefle (GheYeesee cetue
metekeebke DeeOeeefjle) ceee& 2013 ceW 10.39% hej eqmLej jne.
efJekeeme ceW DeleefOeke efiejeJe kes keejCe mejkeej ves DeLe&JeJemLee kees
hegvepeeaefJele kejves kes efueS efmelecyej 2012 keer ceOeeJeefOe ceW Deveske
oes<eefveJeejke GheeeeW SJeb megOeejeW keer MegDeele keer. pewmes jepekees<eere #es$e mes
mebyebefOele megOeejelceke Gheee (Tpee& heefjoeve kees jeskeves kes efueS jdFbOeve keer
keerceleeW kes efveOee&jCe ceW GOJeexvcegKeer meceeeespeve, KeeeX hej efveeb$eCe,
ceOeeJeefOe jepekees<eere meceecesueve eespevee, veieoer DeblejCe keee&eceeW keer
MegDeele Deeefo) Yegieleeve meblegueve kes #es$e ceW (ceueryeeb[ Kegoje, Iejsuet
SDejueeF&vme, heeJej SkemeeWpe, yeercee, heWMeve kebheefveeeW ceW hele#e efJeosMeer
efveJesMe kee efJemleejerkejCe, F&meeryeer GoejerkejCe, leerve Je<eeX kes efueS yeepe kes
Yegieleeve hej OeejCe kej 20% mes Ieekej 5% leke kejvee, meesves hej Deeeele
Meguke kees 4.0% mes 6.0% leke ye{evee, Iejsuet Meemekeere Je iewj mebjeveelceke
keeheexjs yeeC[ Deeefo ceW efJeosMeer efveJesMe keer meercee ceW Je=ef); efveJesMe #es$e ceW
20
(hecegKe mebjeveelceke Je Deve heefjeespeveeDeeW hej MeerIe efveCe&e kes efueS

kesefyeves meefceefle kee ie"ve, peerSSDeej kes keeee&vJeeve kees oes Je<e& kes efueS
DeLee&led 1 Dehewue 2016 leke mLeieve); efJeeere #es$e (15 hecegKe MenjeW kes
Deefleefje cetegDeue Heb[ Geesie kees DeefOeke keceerMeve keer Devegceefle oskej Deewj
JeeseEie meercee ye{eves mebyebOeer yeQeEkeie efyeue kees heeefjle kejvee Deewj Yeejleere efj]
peJe& yeQke keer Yetefcekee kees cepeyetle yeveeles ngS veS yeQeEkeie ueeFmeWme peejer kejves
keer Devegceefle osvee). Fmekes Deefleefje efJeeere Je<e& 2014 kes efueS kesvere
yepe ceW mejkeej jepekees<eere Keeles kees mekeue Iejsuet Glheeo oj ceW 5.2%
leke kece kejves ceW meHeue jner Deewj efJeeere Je<e& 2014 kes efueS 4.0% kee
ue#e efveOee&efjle efkeee ieee.
efJeeere Je<e& 2013 kes oewjeve Yeejle keer eqmLeefle yeee ceesex hej DeefOeke veepegke
nes ieF&. efJeeere Je<e& 2013 keer leermejer efleceener ceW eeuet Keeles kee Ieee
(meerS[er) 6.7% kes Ssefleneefmeke Ge mlej hej hengbeves kes keejCe eeuet Keeles
kes Iees kees ueieeleej hetje kejvee DeleefOeke eEeleepeveke nw. Kejeye neslee
Jeeheej Ieee Deewj mesJee #es$e kee Oeercee efJekeeme eeuet Keeles kes Iees ceW Je=ef
ceW cegKe keejke jns. kecepeesj yeee ceebie, efpemeves JemlegDeeW kes efveee&le hej
heefleketue heYeeJe [euee Deewj heerDeesSue Deewj meesves kes ueieeleej DeefOeke Deeeele
kes heefjCeecemJehe Jeeheej meblegueve hej heefleketue heYeeJe he[e. efJeeere Je<e&
2013 kes oewjeve Yeejle kee Jemleg efveee&le 1.76% Iekej 300.6 efyeefueeve
Decejerkeer [euej nes ieee peyeefke Deeeele 0.44% ye{kej 491.48 efyeefueeve
Decejerkeer [euej nes ieee efpememes efJeeere Je<e& 2013 ceW 190.88 efyeefueeve
Decejerkeer [euej kee ye[e Jeeheej Ieee ngDee. [erpeermeerDeeF& Sb[ Sme eje efoS
ieS JemlegJeej Deebke[eW kes Devegmeej cegKele FbpeerefveeeEjie JemlegDeeW, hesêsefueece
GlheeoeW, kehe[e Deewj ueesns Deeefo JemlegDeeW kes efveee&le ceW efiejeJe DeeF&.
Jeeheej Deewj eeuet Keeles kee ye{e ngDee Ieee cege kees kecepeesj kejlee nw,
Deeeeeflele JemlegDeeW keer keerceleeW ceW Je=ef kejlee nw Deewj henues mes ner Ge cege
mHeerefle keer oj kees Deewj DeefOeke ye{]elee nw. efJeeere Je<e& 13 kes oewjeve hetbpeer
kes yesnlej Devle&heJeen kes keejCe eeuet Keeles kes Ge Iees kes yeeJepeto ieerve
yewke kes SJepe ceW Yeejleere hees kee efJeeere Je<e& 2013 ceW 6.7% kee
DeJecetueve ngDee. mebJeer#ee Je<e& kes oewjeve Yeejle kees hele#e efJeosMeer efveJesMe
(Meg ce&) kes he ceW 18 efyeefueeve Decejerkeer [euej, hees&HeesefueeeW Devle&heJeen
(Meg ce&) kes he ceW 24 efyeefueeve Decejerkeer [euej, yeee JeeefCeeqpeke
GOeeefjeeb SJeb DeuheeJeefOe $e+Ce kes he ceW 30 efyeefueeve Decejerkeer [euej Deewj
kegue yeQeEkeie hetbpeer kes he ceW 24 efyeefueeve Decejerkeer [euej heehle ngS.
efJeeere Je<e& 2014 ceW Deeies ye{les ngS Deee|Leke Deefiece meueenkeej heefj<eo eje
heOeeveceb$eer kees efoS ieS Deekeueve kes Devegmeej, DeYeer neue ner ceW heejbYe efkeS
ieS mebjeveelceke GheeeeW Deewj Dehesef#ele meeceeve ceevemetve kes DeeOeej hej
Yeejle kee Deee|Leke efJekeeme efheues Je<e& kes 5.0% mes ye{kej efJeeere Je<e&
2014 ceW 6.4% nesves keer mebYeeJevee nw. meeLe ner cegemHeerefle ([yuetheerDeeF&
DeeOeeefjle) ceW ueieeleej veceea mes ceewefke veerefle efJekeeme kees Deewj DeefOeke meceLe&&
kejves ceW me#ece nesieer. neueebefke mejkeej ves jepekees<eere Iees kees kece kejves
kes efueS Deheveer heefleyelee oMee&F& nw leLeeefhe eeuet Keelee Ieee eEelee kee
efJe<ee yevee ngDee nw. leLeeefhe, heefeeeDeeW kees Deewj DeefOeke JeJeeqmLele kej SJeb
hetbpeer kes heJeen kees ye{eves kes efueS DeeJeMeke keoce G"ekej osMe Fmes efveebef$ele
kej mekelee nw.
efJeeere Je<e& 2013 ceW Yeejleere yeQeEkeie #es$e kee keee&efve<heeove Deewj efJeeere
Je<e& 2014 keer keee& mebYeeJeveeSb
efJeeere Je<e& 2013 kes oewjeve, cegemHeerefle kes ye{les ngS oyeeJeeW Deewj meceie
Deee|Leke ceboer kes keejCe yeQeEkeie #es$e kes pecee Je $e+Ce Je=ef oesveeW ceW keeHeer
keceer DeeF&. Deewmele he ceW, pecee Deewj $e+Ce kes efJekeeme ceW 250 Deewj 300

yeerheerSme leke Deblej jne Deewj pecee Je=ef $e+Ce Je=ef mes DeefOeke jner. Fmekes
keejCe yeQeEkeie Geesie ceW ueieeleej lejuelee ceW cepeyetleer yeveer jner.
Yeejleere efj]peJe& yeQke (Deej.yeer.DeeF&.) eje efueS ieS efJeefYeVe ceewefke ke"esj
GheeeeW kes keejCe peceejeefMeeeW Deewj Deve efveefOeeeW keer ueeiele Je<e& kes oewjeve
Ge yeveer jner. ueesieeW ves eeuet ee yeele Keelee (keemee) ceW jeefMeeeb jKeves kes
yepeee DeefOeke Deee osvesJeeueer meeJeefOe peceejeefMeeeW ceW Deheveer jeefMeeeb jKeves
kees Jejerelee oer. efpemekes heefjCeecemJehe keF& yeQkeeW kes efueS keemee Je=ef
Oeerceer nes ieF& Deewj yeQkeeW kes efueS efveefOeeeW keer ueeiele ye{ ieF&.
Jeeheke DeeOeej Deeweesefieke ceboer ves yeQkeeW, efJeMes<e he mes mejkeej kes
mJeeefcelJeJeeues yeQkeeW keer Deeeqmle iegCeJeee kees heefleketue he ceW heYeeefJele efkeee
keeeWefke cegKele FvneR yeQkeeW ves efJeeere Je<e& 2009 kes efJeeere mebke kes heeeled
Glheeoke #es$eeW kees meneelee heoeve keer Leer. Ieleer ngF& $e+Ce Je=ef kee Demej
yeQeEkeie Geesie ceW Meg yeepe ceee|peve hej ngDee. Meg yeepe ceee|peve cesb keceer
SJeb Ge $e+Ce ueeiele (heeJeOeeveiele DeeJeMekeleeSb), hegvemejefele $e+CeeW
meefnle, ves efJeeere Je<e& 2013 ceW Deveske yeQkeeW keer Deee kees kece efkeee.
eeuet mJeerke=efleeeb meceehle nesves kes heeeled efJeeere Je<e& 2012 Deewj efJeeere Je<e&
2013 kes oewjeve mJeerke=le veF& heefjeespeveeDeeW ceW DeleefOeke efiejeJe kee Demej
efJeeere Je<e& 2014 keer $e+Ce ceebie hej he[siee.mQ[[& Deewj hetDeme& (Sme Sb[ heer)
jseEie SpeWmeer kes Devegmeej, efJeeere Je<e& 2014 ceW Deveske Deee|Leke Deewj
jepevewefleke DeefveeqeleleeDeeW kes keejCe Yeejleere yeQkeeW keer $e+Ce Je=ef 15.0%
leke ner nesves keer mebYeeJevee nw. Tpee&, me[ke, Oeeleg Deewj Keveve #es$e kee
hegveej mejkeej kes keee& hej efveYe&j kejlee nw, efvecee&Ce Deewj GheYeesee
JemlegDeesb kes hegveej kee hele#e mebyebOe Deee|Leke efJekeeme Deewj ye{er ngF& Kehele
mes nw. leLeeefhe, Yeejleere yeQeEkeie Geesie kee keesj ieenke pecee DeeOeej, mLeeeer
efveefOeeesb kees GheueyOe kejeves kee ceeie& ueieeleej heMemle kejsiee.
Sme Sb[ heer kes Devegmeej efJeeere Je<e& 2014 ceW yeQkeeW keer iewj efve<heeoke
Deeeqmleeeb kegue $e+Ce kes 3.9% leke ye{Wieer, DeeeqmleeeW hej yeQkeeW keer Deee,
0.9% leke jnsieer. Fmekes meeLe ner eefo Yeejleere yeQeEkeie Geesie 1 Dehewue
2013 kees Meg efkeS iees yeemeue III kes efoMee efveoxMeeW kes Devegheeueve kes efueS
8.0% keer kee@ceve FeqkeJeer erej I Devegheele kees heehle kejves keer legjble
keesefMeMe kejsiee, lees Yeejleere yeQeEkeie Geesie kees 3-4 efyeefueeve Decejerkeer
[euej keer hetbpeer keer keceer nesieer.
peesefKece eyebOeve
mLeeeer Deewj ueieeleej efJekeeme efve<heeove kees megefveeqele kejves kes efueS, Deehekes
yeQke ves Ske JeJeeqmLele peesefKece heyebOeve heCeeueer efJekeefmele keer nw efpememes yeQke
eje Devegceeefvele peesefKeceeW kee ueieeleej Deewj JeJeeqmLele Deekeueve Je
ceeveefeEjie keer pee mekes. en ieewj efkeee peeS efke peesefKece heyebOeve heCeeefueeeb
megefveeqele kejves keer efpeccesoejer Deblele yeQke kes efveosMeke ceb[ue Hej nw. FmeceW
peesefKece heJe=efe, veerefle efveOee&jCe SJeb heYeeJeer cee@efveeEjie Meeefceue nw. Deehekes
yeQke kes efveosMeke ceb[ue eje Ske meg{ Geceevegmej peesefKece heyebOeve mJehe
efveOee&efjle efkeee ieee efpememes efke peesefKece, yeQke kes efveosMeke ceb[ue eje
heefjYeeef<ele peesefKece heJe=efeeeW kes Deveghe jns.
efJeefYeVe peesefKeceeW kes efveOee&jCe, cetueebkeve Deewj heyebOeve ceW heefeee meb#eshe ceW
Fme hekeej nw.
lejuelee peesefKece
lejuelee peesefKece mes DeefYeheee Gme peesefKece mes nw peye yeQke kes heeme, ose nes
egkeer Deheveer efJeeere oseleeDeeW kees egkeeves kes efueS heee&hle efJeeere mebmeeOeve
GheueyOe ve neW, DeLeJee en efJeeere mebmeeOeve DeefOeke Deewj Demenveere ueeiele
2012-13
hej GheueyOe neW. DeeeqmleeeW kees MeerIe SJeb vetvelece cetue eme mes lejuelee ceW
yeoueves keer #ecelee kees heYeeefJele kejves Jeeueer yeepeej keer eqmLeefleeeW kee
efveOee&jCe ve kej heeves Je Gvekee meceeOeeve ve {tb{ heeves mes lejuelee peesefKece nes
mekelee nw. Deehekes yeQke ceW lejuelee peesefKece kees owefveke DeeOeej hej lejuelee
Deblejeue eqmLeefleeeW kes efueS efveOee&efjle megj#eelceke meercee kes Deveghe Heuees
heefle mes Deekeefuele Je ceeefvej efkeee peelee nw. meeLe ner Deeieeceer leerve ceen
kes efueS ieefleMeerue Deblejeue efjhees& kes eje ieefleMeerue DeeOeej hej heeef#eke he
ceW lejuelee keer eqmLeefle kee Deekeueve efkeee peelee nw. lejuelee keer iegCeJeee
kee hejer#eCe meHe Sheese kes lenle efJeefYeVe DevegheeleeW kes eje efkeee peelee nw
efpemeceW Deveske megj#eelceke meerceeSb pewmes owefveke DeeOeej hej $e+Ce osvee, owefveke
DeeOeej hej $e+Ce uesvee, Meg DeuheeJeefOe $e+Ce uesvee Deewj Meg $e+Ce ieenke
pecee Devegheele Deewj cetue Deeeqmle Devegheele owefveke DeeOeej hej Deekeefuele efkeS
peeles nw. meHe Sheese meerceeDeeW kee Devegheeueve en megefveeqele kejlee nw efke
yeQke ves Deheveer lejuelee kee Gefele JewefJeefOekejCe mes heyebOeve efkeee nw Deewj ieee
meercee ceW jKee nw.
lejuelee peesefKece, lejuelee keer ueeiele, efveeespeve keer mebYeeJeveeSb Deewj Gme hej
heefleHeue, GheueyOe DeekeeqmcekeleeSb Deeefo keer ceeveeEjie Deeeqmle oselee meefceefle
eje keer peeleer nw. FmeceW ceneheyebOeke SJeb keee&heeueke efveosMeke Meeefceue nQ
Deewj efpemekeer DeOe#elee DeOe#e SJeb heyebOe efveosMeke eje keer peeleer nw.
megj#eelceke meerceeSb efJeefYeVe efveeefcele Deewj efJeMes<e efjhees& kes ceeOece mes
Deeukees eje ceeefvej keer peeleer nQ.
$e+Ce peesefKece
$e+Ce peeseKf ece Ssmes peeseKf ece nQ efpemeceW menceefle keer MeleeX kes Deveghe efkemeer
keeGbj heeea eje oseleeDeeW keer hetel| e nsleg me#ecelee ceW keceer DeLeJee Deefvegke
nesves mes yeQke kes efueS neefve keer mebYeeJevee efveefnle nesleer nw. Deehekes yeQke ceW $e+Ce
peeseKf ece megmhe he mes yeveeS ieS Hes ceJeke& mes JeJeeqmLele efkeS peeles nQ, efpemeceW
veerelf eeeW, heef eeeDeeW Deewj efjheese\ ie kee meceeJesMe nw. es Debleje&e^ r e heefleeeW
kes Deveghe peeseKf ece uesves JeeueeW Deewj veerelf e yeveeves JeeueeW kes yeere megmhe Deblej
efJeeceeve nw. Fmekes DeueeJee yeQke ves peeseKf ece DeeOeeefjle GOeej osves keer Meefeeeb
heleeeesepf ele keer nw efpemeceW kece peeseKf ece Jeeues hemleeJees ceW $e+Ce heoeve kejves keer
Gelej efJeJeskeeOeerve Meefeeeb heoeve keer ieF& nw. peneb yeQkeeW kee Skemeheespej
DeefOeke nw Gve GeesieeW ceW ceewpeto peeseKf ece kes Deekeueve nsleg yeQke eje GeesieeW kee
DeOeeve efkeee peelee nw leLee veS GeesieeW kes meboYe& ceW Yeer en DeOeeve efkeee
peelee nw. Geesie- efjheesX yeQke kes Heeru[ mlejere ueesieeW kees mebhees <f ele keer peeleer nw
leeefke GeesieeW kees GOeej osles mecee Fvekee Gheeesie efkeee pee mekes. leLeeefhe,
DeefJeJeskehetCe& eqmLeefle mes yeeves kes efueS yeQke ves meYeer GeesieeW, #es$eeW Deewj GOeejkelee&DeeW
hej he[t eW Mf eeue kewhe keer JeJemLee keer nw.
Deehekes yeQke ves 2007 ceW Ske meblegeuf ele oes Deeeeceer esef[ jseE ie heCeeueer DeheveeF&
nw Deewj esef[ jseE ie hej 6 Je<e& kee [ee leLee GOeejkelee& jseE ie ceeFieMs eve leweej
kej efueee nw. Fme leweejer kes HeuemJehe nceejs yeQke ves Yeejleere efjp] eJe& yeQke mes
yeemesue-II efveeceeW kes Debleie&le $e+Ce peeseKf ece HeeGv[sMeve Fbjveue jseE ie DeeOeeefjle
eqkeesCe (SHeDeeeDeejyeer) ceW ceeFies kejves nsle DeeJesove efkeee nw.
SHeDeeeDeejyeer keeee&vJeeve Deehekes yeQke kees peeseKf ece DeeOeeefjle cetue efveOee&jCe,
heesH& eeseuf eees efvecee&Ce Deewj efjmke efHekeMesmeve SheereF keer eq mes Deheves
JeJemeee kees Deewj DeefOeke JeJeeqmLele SJeb DeleeOegevf eke lejerkes mes mebeeefuele kejves
kes efueS leweej kejsiee.
yeepeej peesefKece
yeepeej peesefKece yeepeej ojeW Deewj cetueeW ces heefleketue heefjJele&veeW kes keejCe
Depe&ve DeLeJee Deee|Leke cetue ces nesves Jeeueer neefveeeW kes he ceW neslee nw.
yeepeej peesefKece kes eesle efvecveefueefKele nes mekeles nw-
21
2012-13
yeepe oj peesefKece heefleHeue keJe& ceW heefjJele&veeW, $e+Ce mhes[ Deewj yeepe
ojeW ceW DeeqmLejlee mes hewoe nesves Jeeues peesefKece.
cege efJeefvecee oj peesefKece efJeefvecee ojeW ceW heefjJele&ve Deewj yeepe ojeW
ceW DeeqmLejlee mes keejCe hewoe nesves Jeeues peesefKece.
FeqkeJeer cetue peesefKece FeqkeJeer kes cetueeW, FeqkeJeer mebkeslekeeW, FeqkeJeer
yeemkes ceW heefjJele&ve leLee meke ceekex ceW DeeqmLejlee kes keejCe hewoe
nesves Jeeues peesefKece.
keerceleeW ceW heefjJele&ve Deewj DeeqmLejlee kes keejCe Yeer yeepeej peeseKf ece hewoe nesles nQ
leLeeefhe Deehekes yeQke kee eEpeme mebyebeOf ele yeepeejeW ceW keesF& Skemeheespej vener nw.
yeQke ves Deheves ^spejer keeeeX kes efveeb$eCe Deewj Gvekeer efveiejeveer nsleg mhe veerefle
yeveeF& nw. Fve veerefleeeW ceW heyebOeve heefleeeW, heefeeeDeeW, efJeJeskemeccele $e+Ce
meerceeDeeW, meceer#ee heCeeueer Deewj efjheese\ie heefleeeW kee meceeJesMe nw. efJeeere
Deewj yeepeej eqmLeefleeeW ceW heefjJele&ve kes Deveghe Fve veerefleeeW ceW DeeJeefOeke he
mes mebMeesOeve efkeee peelee nw.
yeepe oj peesefKece kee Deekeueve yeepe oj DeeqmLejlee Devlejeue efjhees& leLee
peesefKece Deee kes DeeOeej hej efkeee peelee nw. Fmekes DeueeJee yeQke ceeefmeke
DeeOeej hej DeJeefOe, mebMeesefOele DeJeefOe, efveJesMe hees&HeesefueeeW kes peesefKece
cetue, efpemeceW mLeeeer Deee heefleYetefleeeb, FeqkeJeerpe leLee efJeosMeer cege
heespeerMeve Meeefceue nw, keer ieCevee kejlee nw. yeQke, DeuheJeefOe yeepe oj
peesefKece keer cee@efveeEjie, Meg yeepe Deee (SveDeejDeeF&) leLee oerIe& DeJeefOe
yeepe peesefKece keer cee@efveeEjie, FeqkeJeer kes Deee|Leke cetue (F&JeerF&) kees Oeeve
ceW jKeles ngS kejlee nw. ^spejer kes meboYe& ceW Jesuet S efjmke keer ieCevee 99%
kee@veefHe[Wme uesJeue hej 10 efove keer neseu[ie DeJeefOe kes DeeOeej hej keer peeleer
nw. DeeqmLejlee efJeMues<eCe leLee FeqkeJeerpe kes ceeOece mes eqmLej yeepe efveJesMe
hees&HeesefueeeW keer m^sme peebe heefjeqmLeefleiele efJeMues<eCe kes ceeOece mes efveeefcele
he mes keer peeleer nw.
Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DeeOeej hej Deehekes yeQke eje
"FeqkeJeer heYeeJe kes Deee|Leke cetue" kee efleceener DeeOeej hej Deekeueve Yeer
efkeee peelee nw.
heefjeeueve peesefKece
heefjeeueve peeseKf ece Ssmee peeseKf ece nw pees Deheee&hle DeLeJee DemeHeue Deebleefjke
heefjeeueve, heef eee, ueesieeW leLee heCeeefueeeW DeLeJee yeenjer IekeeW mes neefve kes
keejCe neslee nw efpemeceW efJeefOeke peeseKf ece Yeer Meeefceue nw. Deehekes yeQke keer peeseKf ece
heyebOeve meefceefle heef eeeDeeW kee efveOee&jCe/mebMeesOeve kejkes, efveeb$eCe jKekej leLee
Yetecf ekee Deewj GejoeefelJeeW kees hegve heefjYeeef<ele kejkes heefjeeueve peeseKf eceeW hej
efveiejeveer jKeves SJeb Gvns efveeb$eCe ceW jKeves keer efpeccesJeejer Jenve kejleer nw.
Deehekes yeQke ceW yewke keer meblegeuf ele efvejer#eCe SJeb uesKee hejer#eCe heCeeueer eje en
megevf eeqele efkeee peelee nw efke yeQke kes Deebleefjke efoMee-efveoxMeeW, veerelf eeeW Deewj
heef eeeDeeW kee heeueve efkeee pee jne nw.
Deehekee yeQke, Deheves heefjeeueve peeseKf eceeW kees peeveves, ceeheves, efveiejeveer jKeves
Deewj Gefele heyebOeve kejves kes efueS Debleje&e^ r e ceevekeeW Jeeuee Gece mlej kee
mJeeeefuele Jesye DeeOeeefjle meesuetMeve mLeeefhele kejkes Ske DeleeOegevf eke heCeeueer
keeee&evq Jele kejves pee jne nw. en meesuetMeve Fme Je<e& keer meceeeqhle mes hetJe&
keeee&evq Jele nesves keer DeeMee nw Fme meesuetMeve kes keeee&evq Jele nesves mes Deehekes yeQke
kees mQ[[e&Fp[ Dehees e keer cee$eelceke SJeb iegCeelceke DeeJeMekeleeDeeW keer hetel| e
leLee yeemesue-II efveeceeW kes S[Jeebme[d cespejceW Dehees e (SSceS) kes Debleie&le
heefjeeueve peeseKf ece hetpb eer ceeheve ceW meneelee efceuesieer.
22
yeemesue III kes efueS yeQke keer leweejer

Yeejleere efj]peJe& yeQke eje 2 ceF&, 2012 kees yeemesue-III kes mebyebOe ceW Debeflece
efoMee-efveoxMe peejer efkeS ieS. veS eueefveefOe ceevekeeW eueefveefOe keJejspe
Devegheele leLee Meg eqmLej efveOeereve Devegheele mebyebOeer Debleje&êre efJeefvecee
Jele&ceeve ceW yeermeeryeerSme (yeemesue keceser Dee@ve yeQeEkeie meghejefJepeve) eje
DeJeueeskeve DeJeefOe/hegvejer#eCe kes DeOeOeerve nw efpemekee GsMe Ssmes efkemeer
Deefve<ehetCe& heefjCeeceeW kee meceeOeeve efvekeeuevee nw peesefke ceeveke ceW efJeeere
yeepeej, $e+Ce efJemleej leLee Deee|Leke efJekeeme kes efueS nes mekeles nQ Dele Fmes
efHeueneue keeee&eqvJele vener efkeee pee jne nw.
yeemesue-II Deewj yeemesue-III kes Debleie&le hetbpeer efveeceeW kes hetCe& keeee&vJeeve hej
vetvelece hetbpeer DeeJeMekeleeDeeW kee efJeJejCe Fme hekeej nwyeQke kes meerDeejSDeej kees efvecveevegmeej meebjeMeerke=le efkeee ieee nw.
ceeveob[
yeemesue II
yeemesue III
meeceeve FeqkeJeer hetbpeer
5.50%
erej-I hetbpeer
6%
7%
kegue hetbpeer
9%
9%
Metve
2.50%
hetbpeer heleeJele&ve yeHej
(hetbpeer kee Ssmee yeHej
pees efJeeere Deewj
Deee|Leke oyeeJeeW kes
oewjeve neefveeeW kees
meceeefnle kej mekes)
(kee@ceve FeqkeJeer kes
he ceW)
hetpb eer efveeceeW kes yeejs ceW Yeejleere efjp] eJe& yeQke kes efoMee-efveoxMe 1 Deheuw e, 2013
mes ueeiet nes egkes nQ. vees hetpb eer efveeceeW keer hetel| e kes DeueeJee 30 petve, 2013 mes
ienve efueJejspe Devegheele kee keeee&vJeeve DeeJeMeke nw. erej-I hetpb eer ceW kee@ceve
FeqkeJeer keer heOeevelee leLee yeQke keer kegue hetpb eer kees osKeles ngS Deehekes yeQke kees
yeemesue-II efveeceeW kee meecevee kejves ceW keesF& keef"veeF& vener nesieer.
$e+Ce efveiejeveer keee&
Deheveer $e+Ce DeeeqmleeeW keer iegCeJeee kees megevf eeqele kejves kes efueS melele
DeeOeej hej $e+Ce efveiejeveer Ske Deefle cenlJehetCe& Gheee nw. yeQke kes heeme
efJeefYeVe mlejeW hej Deefiece KeeleeW keer ceeefmeke peebe kes efueS megJeJeeqmLele
heefle nw pees DeeeqmleeeW keer iegCeJeee ceW efiejeJe kees jeskeves Deewj $e+Ce
mebeJf eYeeie keer iegCeJeee megOeej ves nsleg mecee hej keej&JeeF& kejleer nw.
$e+Ce efveiejeveer kes efueS keeheexjs mlej hej ceneheyebOeke keer osKejsKe ceW
Deueie mes Ske efJeYeeie leLee Debeue Je #es$eere mlej hej $e+Ce efveiejeveer kes
efueS efJeYeeieeW kee ie"ve efmelecyej 2008 mes efkeee ieee nw. yeQke keer Iejsuet
$e+Ce veerelf e kes Deveghe meYeer Debeue/#es$eere keeee&ueeeW ceW eqmuehespe efveJeejke
keee&-oueeW kee ie"ve efkeee ieee nw. yeQke ves DeejbeYf eke ejCe ceW eqmuehespe
kees jeskeves kes GoosMe mes efJeeceeve ceeveob[ SJeb efoMeeefveoxMeeW kes Devegece
Gheege heeJeOeeve kees Meeefceue kej yeQke keer Iejsuet $e+Ce veerelf e kees Devegketue
yevee efoee ieee nw. yeQke ves $e+Ce efveiejeveer heef eeeDeeW kees Demejoej yeveeves
keer efoMee ceW DeeeqmleeeW keer iegCeJeee megOeejves, eEeleepeveke #es$eeW keer heneeve
kejves, efJeMes<e Oeeve osves eesie MeeKeeDeeW kes efveOee&jCe Deewj keee&veerelf e
leweej kejves hej efJeMes<e Oeeve efoee nw. meeLe ner meceeye lejerkes mes
keeee&vJeeve megevf eeqele kejves kes efueS DeeJeMeke $e+Ce veerelf e Yeer yeveeeer nw.

keeheexjs mlej hej $e+Ce efveiejeveer efJeYeeie kes cetue GoosMe efvecve hekeej efveOee&ejf le
efkeS ieS nQ :
DeejbeYf eke DeJemLee ceW $e+Ce Keeleesb keer keefceeeW/mecYeeefJele etkeeW/MegDeeleer
DemJemLelee kees heneevevee.
peye keYeer Yeer efkemeer Keeles ceW $e+Ce iegCeJeee keer #eefle DeLee&le $e+Ce jseE ie
ceW efiejeJe, Suemeer/ieejber keer oseleeDeeW kees hetje kejves ceW osjer kejves Deewj
yeepe/efkemleW Deeefo keer Deoeeieer ceW efJeuecye nesves kes mebkesle efceueles nQ lees
GvnW jeskeves kes efueS mecee hej Gheege SJeb megOeejelceke keoce G"evee.
ke"esj DevegJeleea keee&Jeener kes ceeOece mes Deeeqmle JeieeakejCe SJeb $e+Ce jseE ie
ceW Deeves Jeeueer efiejeJe kees jeskevee.
$e+Ce KeeleeW keer hegve: mebjevee/hegve: mecee efveOee&jCe/hegve: ejCeye kejves kes
efueS Gheege ceeceueeW keer heneeve kejvee meeLe ner Gheege SJeb JeemleefJeke
ceeceueeW ceW hegve: efJee heoeve kejvee. meer[erDeej ke#e leLee Debeue SJeb #es$eere
keeee&ueeeW mes mecheke& mLeeefhele kejvee.
KeeleeW keer meceer#ee SJeb efveece leLee MeleeX kes Devegheeueve nsleg DeeJeMeke
keoce G"ekej / efveeefcele he mes DevegJeleea keej&Jeener kejkes yeQke kes $e+Ce
mebeJf eYeeie keer iegCeJeee ceW megOeej ueevee.
$e+Ce jseE ie ceW megOeej kejves kes heeeme kejvee.
yeerDeeeSHeDeej kes Debleie&le KeeleeW keer heieefle hej efveiejeveer jKevee.
2012-13
efmueHespe jeskevee
Deeeqmle iegCeJeee kees megOeejves nsleg melele JeJemeee jCeveerefle kes he ceW yeQke
eje Deefiece hees&HeesefueeeW hej GeesieJeej Deewj GOeejkelee&Jeej he ceW Oeeve
keseqvle efkeee ieee leeefke Jele&ceeve eqmLeefle Deewj YeefJe<e ceW Deeves Jeeueer
mecemeeDeeW kee efJeMues<eCe efkeee pee mekes Deewj Deefiece KeeleeW ceW DemJemLelee
/ mebYeeefJele etkeeW / mebYeeJeer vetveleeDeeW keer heneeve kejkes Gefele Deewj mecee
jnles megOeejelceke Gheee kejles ngS $e+Ce iegCeJeee ceW ogye&ueleeDeeW kees jeskee pee
mekes.
Deehekes yeQke eje peveJejer, 2013 ceW ` 10 kejes[ Deewj DeefOeke Skemeheespej
Jeeues efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle Deefiece KeeleeW kes mebyebOe ceW
Ske Dee@veueeFve Jesye DeeOeeefjle mee@HeJesej ueebe efkeee ieee peesefke yeQke kes
Deeeer efJeYeeie eje efJekeefmele efkeee ieee nw Fmemes DeefieceeW kee lespe ieefle
Deewj heYeeJeer lejerkes mes cee@veereEjie Deewj eEeleeiemle KeeleeW kes mebyebOe ceW mecee
hej keej&JeeF& megefveeqele nes mekesieer.
Deehekes yeQke ves KeeleeW keer lJeefjle meceer#ee, efveece Deewj MeleeX kes Devegheeueve,
Ge cetue Jeeues Deefiece KeeleeW keer esef[ jseEie kes Deheies[sMeve Fleeefo nsleg
keej&JeeF& Meg keer nw leeefke $e+Ce mebefJeYeeie keer Deeeqmle iegCeJeee megefveeqele keer
pee mekes.
efJeeere Je<e&, 2013 kes oewjeve Deehekes yeQke ves Deheves Jewefeke heefjeeueveeW kes
efJeefYeVe Deefiece KeeleeW kee hegveie&"ve efkeee efpemekee efJeJejCe efvecveefueefKele
leeefuekee ceW efoee ieee nw-
efJelleere Je<e& 2012-13 ceW Deefiece Keeleesb

kee hegveie&"ve (JewefMJeke)
efJeJejCe
hegveie&ef"le ceeveke Deefiece
$e+efCeeeW keer mebKee

yekeeee jeefMe
hegveie&ef"le DeJe ceeveke

Deefiece
hegveie&ef"le mebefoiOe Deefiece
kegue
Ieee (meseerHeeFme)
(Gefele cetue ceW eme)
yekeeee jeefMe
Ieee (meseerHeeFme)
yekeeee jeefMe
Ieee (meseerHeeFme)
yekeeee jeefMe
Ieee (meseerHeeFme)
meer [er Deej leb$e

26
Sme Sce F& hegveie&"ve

743
Deve
17,455
(` kejes[esb ceW)
kegue
18,224
2,031.92
177.42
950.61
11.05
4,533.60
124.83
7516.12
313.30
44
620
665
68.30
5.18
52.19
0.02
373.38
1.13
493.87
6.33
0
0
9
20.43
349
475.64
358
496.07
0.04
10.86
10.90
27
2,100.22
182.60
796
1,023.23
11.12
18424
5,382.62
136.81
19,247
8,506.06
330.54
23
2012-13
Deee|Leke Deemetevee FkeeF&

yeQke kes keeheexjs keeee&uee ceW keee&jle efJeMes<e Deee|Leke Deemetevee FkeeF&,
veereflehejke JeJemeee Deeeespevee efveJesMeke mebyebOe SJeb $e+Ce leLee Deeeqmle oselee
heyebOeve yeepeej peesefKece heyebOeve pewmes #es$eeW ceW Ge heyebOeve Jeie& kees meneesie
kejlee nw. en FkeeF& efveeefcele he mes Ge heyebOeve Jeie& leLee yeQke keer efJeefYeVe
heefjeeueve FkeeFeeW kees meceemecee hej hecegKe #es$eeW ceW pewmes Deeweesefieke SJeb
mebie"veelceke efJekeeme, cege mHeerefle yeepe oj, me@ke mebeeueve, $e+Ce
efJemleej SJeb yeweEkeie Geesie nsleg mebmeeOeve pegevee lejuelee SJeb efJeefvecee ojeW
pewmes hecegKe #es$eeW kes mebyebOe ceW DeeJeefOeke he mes peevekeejer heoeve kejleer nw.
Jeeheke Deee|Leke henuegDeeW, keeheexjs Deewj efJeeere #es$e keer veerefleeeW kes mebyebOe
ceW yesnlej mecePe heoeve kej yeQke Dee@He ye[ewoe keer Deee|Leke Deemetevee FkeeF&
JeeJemeeefeke DeJemejeW kee DeefOekelece Heeeoe G"eves nsleg yeQke kes heeemeeW Deewj
yeepeej kes meceerkejCeeW kes efnmeeye mes Deheves kees Devegketue yeveeves ceW meneesie
heoeve kejleer nw.
Deee|Leke Deemetevee FkeeF& eje Jeeheke Deee|Leke henuegDeeW, efJeefvecee mebyebOeer
heieefle kes mebyebOe ceW Ske meehleeefnke F& yeguesefve kee hekeeMeve efkeee peelee nw.
leeefke yeQkejeW efveJesMekees, efveeecekeeW Je Deve Meer<e& GeesieeW kees Deheves mejeskeejeW
mes DeJeiele kejeee pee mekes. en FkeeF& Deee|Leke ieefleefJeefOeeeW kee meejebMe
hemlegle kejles ngS yeQke keer yeewefke Meefe kes he ceW keece kejleer nw efpemekes
DeeOeej hej YeefJe<e ceW meceke keee&veerefleeeb leweej nesleer nQ.
Deebleefjke efveeb$eCe leb$e

Deehekes yeQke ceW Ske megJeJeeqmLele kesvere efvejer#eCe SJeb uesKee hejer#ee efJeYeeie
(CAID) nw pees yeQke keer heCeeefueeeW, veerefleeeW SJeb heefleeeW keer Devegheeuevee kee
hejer#eCe kejlee nw. Yeejleere efj]peJe& yeQke, Yeejle-mejkeej, yeQke kee efveosMekeceb[ue leLee efveosMeke-ceb[ue uesKee hejer#ee meefceefle mes Deebleefjke efveeb$eCe
mebyebOeer efJeefYeVe cegeW hej heehle ceeie&efveoxMe yesnlej peesefKece heyebOeve keer eq mes
Deebleefjke efveeb$eCe leb$e kes Yeeie yeve iees nQ.
heefleJe<e& ye{les keejesyeej kees Oeeve ceW jKeles ngS meer S DeeF& [er DeemeVe
peesefKeceeW hej heYeeJeer efveeb$eCe leb$e kes eje melele efveeb$eCe jKeves kee heeeme
kejlee nw leeefke yeQke kes efnle megjef#ele jnW.
yeQke kes efveosMeke-ceb[ue keer uesKee hejer#ee meefceefle eje efveOee&efjle DeeJeefOekelee
kes Devegmeej 13 Debeue efvejer#eCe kesveW eje MeeKeeDeeW/ keeee&ueeeW kes
efvejer#eCe kes ceeOece mes meer S DeeF& [er Dehevee mebeeueve kejlee nw Deewj
Deebleefjke efveeb$eCe leb$e Deewj peesefKece heyebOeve kee hejer#eCe kejlee nw.
efveosMeke-ceb[ue keer uesKee hejer#ee meefceefle yeQke kes Deebleefjke uesKee hejer#ee
keee& keer osKejsKe kejleer nw. en meefceefle heYeeJeer Deebleefjke uesKee hejer#ee,
mebieeceer uesKee hejer#ee, DeeF& Sme uesKee hejer#ee leLee Deve efvejer#eCe SJeb uesKee
hejer#ee keeeeX kes heYeeJeer efJekeeme kes efueS ceeie&oMe&ve osleer nw efpememes efke yeQke
keer Deeeqmleeeb megjef#ele jnW. en meefceefle keee&heeuekeeW keer uesKee hejer#ee
meefceefle leLee yeQke keer efvejer#eCe SJeb uesKee hejer#ee meefceefle kes keeeeX keer cee@
efveeEjie kejleer nw.
keee&heeuekeeW keer uesKee hejer#ee meefceefle ieef"le keer ieF& nw pees efke meer S DeeF& [er
mes Ske mlej Thej nw Deewj en yeQke kes mebhetCe& efvejer#eCe leb$e kees cee@efvej kejleer
nw. keee&heeuekeeW keer uesKee hejer#ee meefceefle OeesKeeOe[er keer jeskeLeece kes efueS
24
ke"esj efveJeejke kes he ceW keee& kejleer nw keeeWefke en yeQke kes uesKee hejer#ee
leb$e Deewj Fmemes Jeebefle heefjCeece heehle kejves hej Oeeve keseqvle kejleer nw.
yeQke keer meYeer MeeKeeSb peesefKece DeeOeeefjle uesKee hejer#ee (RBIA) mes keJej nQ.
efJee Je<e&-13 kes oewjeve kegue -3046- MeeKeeDeeW kee efvejer#eCe efkeee ieee.
FveceW mes -2206- MeeKeeSb (72.42%) kece peesefKece, -735- MeeKeeSb
(24.13%) ceOece peesefKece leLee -105- MeeKeeSb (3.45%) Ge peesefKece
esCeer keer LeeR. cegbyeF& eqmLele efvejer#eCe heYeeie kes Debleie&le DeeF& Sme uesKee
hejer#ee ke#e keee&jle nw Deewj en Dee@He meeF efveiejeveer kee keee& kejlee nw.
Deehekes yeQke ves efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie eje peejer ceeie&efveoxMeeW
kes Deveghe efvecveefueefKele kees keeee&eqvJele efkeee nw kesvere efvejer#eCe SJeb uesKee heYeeie leLee Debeue uesKee hejer#ee meefceefleeeW
kes keee& keer osKejsKe kes efueS ceee&, 2013 mes keee&heeueke uesKee hejer#ee
meefceefle kee ie"ve efkeee ieee nw. Fmemes heCeeefueeeW, heefleeeW SJeb
Deebleefjke ceeie&-efveoxMeeW kes Devegheeueve mlej kes hegve cepeyetle nesves keer
DeeMee nw.
Deieues efJeeere Je<e& mes efveosMeke-ceb[ue keer uesKee hejer#ee meefceefle eje
efJeefOeJele Devegceesefole mebieeceer uesKee hejer#ee veerefle, cewvegDeue SJeb mkeeseEjie
Meer leLee peesefKece DeeOeeefjle mebieeceer uesKee hejer#ee kees keeee&eqvJele
efkeee peeSiee.
efJeeere Je<e&-13 keer 709 MeeKeeDeeW keer leguevee ceW Je<e& 2013-14 kes efueS 834
MeeKeeDeeW keer mebieeceer uesKee hejer#ee kejkes Fmekee keJejspe ye{e efoee ieee nw
Deewj 31.12.2012 kes Devegmeej en yeQke kes kegue keejesyeej ceW peceejeefMeeeW kee
64.36%, kegue DeefieceeW kee 80.87% leLee kegue keejesyeej kee 71.13% nw.
Yeejleere efj]peJe& yeQke eje Jeee|<eke efJeeere efvejer#eCe 2011-12 ceW efkeS ieS
hee&Jes#eCe kes Devegmeej esef[ uesKee hejer#ee meer S DeeF& [er kes Debleie&le Ske
efJeMes<e keee& kes he ceW heesef<ele efkeee peeSiee Deewj veF& mebjevee pegueeF&, 2013
mes keee& kejvee DeejbYe kej osieer. ` 1,97,048 kejes[ keer efveefOe DeeOeeefjle
SJeb iewj-efveefOe DeeOeeefjle keejesyeej Jeeues 3504 KeeleeW kes mebyebOe ceW esef[
uesKee hejer#ee keer ieF&, efpememes ye[er jeefMe kes $e+CeeW kes mebyebOe ceW Devegheeueve
kee Ge mlej megefveeqele efkeee ieee.
meb#eshe ceW, Deehekes yeQke kee kesvere efvejer#eCe SJeb uesKee heYeeie mJeeb kes
efveosMeke-ceb[ue efveeeceke SJeb Yeejle-mejkeej eje efveOee&efjle heCeeefueeeW SJeb
heefleeeW keer heYeeJeer cee@efveeEjie kej jne nw.
heefjeeueve SJeb mesJeeSb

ieenke-keseqvle henueW
Deheves owefveke heefjeeueveeW ceW heYeeJeer ieenke mesJee leLee ieenke meblegeq, yeQke
kes efueS meoe ner heeLeefceke ue#e jns nQ. Deehekee yeQke ieenkeeW keer
DeeJeMekeleeDeeW SJeb meblegeq kes heefle meoe lelhej jne nw Deewj Gmekee en
efJeeeme jne nw efke heeweesefieefkeeeb, heefeeeSb Glheeo SJeb Fmekes ueesiees kee nj
hekeej kee keewMeue Deheves ieenkeeW kees yesnlej yeQeEkeie DevegYeJe heoeve kejves kes
efueS Gheeesie ceW ueeee peevee eeefnS.
neue ner ceW Deehekes yeQke ves Deheveer MeeKeeDeeW ceW ieenke mesJee ceW megOeej nsleg
DeveskeeW Gheee efkeS nQ meeLe ner meeLe, ieenke efMekeeeleeW kes MeerIe meceeOeeve
kes efueS ieenke efMekeeele efveJeejCe leb$e kees meg{ efkeee nw. Deehekes yeQke ves
Jesye DeeOeeefjle ieenke efMekeeele efveJeejCe cee@[etue ceeveke peve efMekeeele
efveJeejCe leb$e (SmeheerpeerDeejSme) keeee&eqvJele efkeee nw.

efJee Je<e&, 2013 kes oewjeve ieenke mesJee ceW megOeej nsleg efvecveefueefKele Deve
hecegKe Gheee efkeS ieS nQ
1. Dee@veueeFve ceereeoer peceejeefMeeeb yeQke kes ieenke ye[ewoe keveske
efmemce kes eje ceereeoer pecee kej mekeles nQ.
2. SmeSceSme Sue& megeJf eOee
9. Sve F& SHe er/ Deej er peer Sme Deej er peer Sme SJeb Sve F& SHe er
mes Oevehes<eCe kees ueeskeefhee yeveeves kes heeespeve mes yeQke-Flej ieenkeeW
(JeeeEkeie kemceme&) mes `.50,000/- leke kes efveefOe DeblejCe DevegjesOe kees
mJeerkeej efkeee peelee nw.
Fmekes DeueeJee yeQke keer JesyemeeF hej efvecveefueefKele metevee heoe|Mele keer peeleer nw
ke. efJeeere uesve osve Gve meYeer uesve osveeW kes yeejs ceW pees ` 5,000/- DeLeJee
Fmemes DeefOeke jeefMe kes nQ, Gvekes meYeer efveJeemeer yeele yeQke SJeb eeuet
KeeleeOeejkeeW leLee DeesJej[êHe ieenkeeW kes mebyebOe ceW, efpevekes ceesyeeFue
vecyej yeQke kes meeryeerSme efmemce ceW jefpem[& nQ.
1. meererSme 2010 (eske eeebkeve heCeeueer) Yeejleere efj]peJe& yeQke kes

efveosMeevegmeej ceeveke eske yegke
Ke. iewj-efJeeere uesve osve
3. yeQke keer JesyemeeF hej Deheefjeeefuele/ efveeq<ee/ oeJee ve efkeS ieS

peceejeefMe KeeleeW keer meteer kee heoMe&ve (Yeejleere efj]peJe& yeQke keer meueen
hej -10- Je<e& mes DeefOeke hegjeveer DeJeefOe kes ieenkeeW kes veece SJeb heles
heoe|Mele efkeS peeles nQ.)
i.
ceereeoer peceejeefMeeeW kee veJeerkejCe ose leejerKe mes 30 efove hetJe&
ii.
mebYeeefJele efveeq<ee KeeleeW kes KeeleeOeejkeeW kees (Keelee efveef<ee

nesves mes hetJe&) Keelee eeuet jKeves keer metevee
iii.
efveeq<ee KeeleeW kes KeeleeOeejkeeW kees Deheves Keeles meefee kejves kes
yeejs ceW
3. Deblej-yeQke peceejeefMe KeeleeW kee DeblejCe Fmekee leelhee& en nw efke en

megeJf eOee ueeiet nes peeves kes yeeo Keelee veb. ceW heefjJele&ve efkeS efyevee yeele yeQke,
eeuet SJeb ceereeoer peceejeefMe Keeles Ske MeeKee mes otmejer MeeKee ceW Debleefjle
efkeS pee mekeles nQ.
4. Deheefjeeefuele KeeleeW kees meefee kejvee 01.09.2012 mes 30.12.2012 keer
DeJeefOe kes oewjeve Deheefjeeefuele KeeleeW kees meefee kejves kee DeefYeeeve eueeee
ieee. Deehekes yeQke keer MeeKeeDeeW mes kene ieee Lee efke Jes Deheefjeeefuele/
efveeq<ee KeeleeW kees meefee leLee efveeq<ee KeeleeW kees Deheefjeeefuele/ efveeq<ee
nesves mes yeeeves kee njmebYeJe heeeme kejW.
5. ceesyeeFue/ F&-cesue DeeF& [er hebpeerkejCe meHe meomeeW kees keg heels meenve
osles ngS Jele&ceeve SJeb veS KeeleeW kes ceesyeeFue veb. SJeb F&-cesue DeeF& [er kes
hebpeerkejCe kee DeefYeeeve eueeee ieee.
6. heemeyegkeeW ceW cegKe vees[ue DeefOekeejer kes yeewjs ieenkeeW kees Deheveer
mecemeeDeeW/ efMekeeeleeW kees ope& kejves ceW megeJf eOee nes, Fme eq mes cegKe
vees[ue DeefOekeejer leLee yeQekE eie ueeskeheeue kes yeewjeW kees heemeyegke cegCe kes mecee
heemeyegke ceW Meeefceue kejves keer heef eee DeejbYe kej oer ieF& nw. MeeKeeDeeW mes kene
ieee nw efke cegef le nesves leke Fve yeewjes kees meYeer heemeyegkees ceW jye[ keer ceesnj
ueieekej heoe|Mele kejW.
7. ceereeoer peceejeefMeeeW hej mekeue yeepe kee heoMe&ve Fmekee leelhee& en nw
efke ceeefmeke DeLeJee efleceener DeeOeej hej heoe yeepe DeLeJee eesle hej kej keer
keewleer Deeefo kes yeewjs ieenke keer yeele yeQke heemeyegke efJeJejCeer ceW Deueie mes
heoe|Mele neWies.
8.
2012-13
SerSce DemeHeue uesve osveeW kes efueS cegDeeJepee MeeKeeDeeW kees kene
ieee nw efke Jes S er Sce kes DemeHeue uesve-osveeW, vekeoer heehle ve nesves
Deeefo keer ope& efMekeeeleeW kee meceeOeeve kejW Deewj efMekeeele ope& nesves
kes meele efoveeW kes Deboj Keeles ceW jeefMe esef[ kej oW.
eefo efMekeeele kee efveJeejCe veneR efkeee ieee lees Dee"JeW efove mes yeQke
eje mJeecesJe jeefMe kes esef[ efkeS peeves leke `.100/- heefleefove kes
efnmeeye mes cegDeeJepee efoee peeSiee.
2. ce=leke KeeleeOeejke kes oeJee efveheeve kes efueS meYeer mebye heeheeW
meefnle peebe meteer
MeeKeeDeeW ceW ieenke mesJee megOeejves kes heeeme

MeeKeeDeeW ceW ieenke mesJee keer keJeeefueer kes efJe<ee ceW MeeKee mlejere ieenke
mesJee meefceefle keer yew"keeW mes Heer[yewke heehle efkeee peelee nw. Fve meefceefleeeW
keer heleske cenerves yew"keW Deeeesefpele keer peeleer nQ Deewj FmeceW Jeefj veeieefjkeeW
SJeb hesMevejeW meefnle meceepe kes efJeefYeVe JeieeX kes ieenkeeW kees Deecebef$ele efkeee
peelee nw. yew"keeW ceW heehle efJeeejeW/ megPeeJeeW kee Deekeueve kej mesJee keJeeefueer
ceW megOeej nsleg Gvekeer mebYeeJelee kes hejer#eCe nsleg mecegefele Hee@uees-Dehe
keee&Jeener keer peeleer nw.
Deehekes yeQke kee Oeeve meYeer ef[ueerJejer ewveueeW kes ceeOece mes Glke= ieenke
mesJee heoeve kejves hej keseqvle nw Deewj ieenke meblegeq kes mlej ceW ye{esejer nsleg
heeweesefiekeer kee Gheeesie kejles ngS F&-Glheeo leLee Jewkeequheke ef[ueerJejer ewveume,
pewmes SerSce/ [sefye kee[&, heer Dees Sme, Fbjves yeQeEkeie, ceesyeeFue yeQeEkeie,
Deeefo GheueyOe kejeS ieS nQ, pees efke efJeefYeVe ieenkeeW keer efJeefYeVe DeeJeMekeleeDeeW
kes Deveghe nQ. efJeefYeVe heefeeeDeeW SJeb heefleeeW ceW megOeej kej meYeer hekeej
kes ieenkeeW kes efnleeW SJeb heleeMeeDeeW kee Oeeve jKee ieee nw.
Devegheeueve
Deehekee yeQke Yeejleere yeQeEkeie kees[dme SJeb mw[[& (yeer meer Sme yeer DeeF&) kee
meome nw Deewj Fmeves yeer meer Sme yeer DeeF& ves Deiemle, 2009 ceW efveOee&efjle
ieenkeeW kes heefle heefleyelee mebefnlee kees Deheveeee nw. Fmeves ceeFees SJeb
ueIeg GeefceeeW kes heefle yeQke keer heefleyelee mebefnlee kees Yeer Deheveeee nw.
FvnW yeQke keer JesyemeeF hej heoe|Mele efkeee ieee nw Deewj ieenkeeW kees yeQke
MeeKeeDeeW kes ceeOece mes Yeer GheueyOe kejeee ieee nQ.
efJeeere Je<e& 2011 kes efueS Jeee|<eke ceewefke SJeb esef[ veerefle keer Iees<eCee kejles
ngS Yeejleere efj]peJe& yeQke kes ieJeve&j ves en hemleeJe jKee Lee efke yeQkeeW kees
Deheves efveosMeke-ceb[ueeW keer yew"keeW ceW nj ceener ceW ieenke mesJeeDeeW/ ieenkeeW
kes heefle Oeeve osves keer meceer#ee kejves kes efueS eee& kejves kes heeespeve mes
efJeMes<e mecee heoeve kejvee eeefnS. Fmekeer Devegheeuevee ceW Deehekes yeQke ves
peveJejer-petve 2012 SJeb pegueeF&-efmelebyej 2012 kes efueS eceMe efo.4 Deiemle,
2012 SJeb 3 ceee&, 2013 kees Fme hekeej oes ceener yew"keW Deeeesefpele keeR.
efveosMeke-ceb[ue keer ieenke mesJee meefceefle

Deehekes yeQke ceW 31 ceee&, 2013 kes Devegmeej DeOe#e SJeb heyebOe efveosMeke keer
DeOe#elee ceW efvecveefueefKele meomeeW keer efveosMeke-ceb[ue ieenke mesJee keer
25
2012-13
Ghemeefceefle ieef"le keer ieF& nw 1
eer Sme.Sme.cetbo[e
eer efhe.eerefveJeeme
keee&heeueke efveosMeke
eer megOeerj kegceej pewve
eer jbpeve OeJeve
eer ceewefueve DejeEJeo Jew<CeJe
efveosMeke
eer meleosJe ef$ehee"er
efveosMeke
en Ghe-meefceefle, veerefle efveOee&jCe leLee Gvekeer Devegheeuevee mes mebyebefOele cegeW kees
osKeleer nw efpememes ieenke mesJee ceW melele megOeej neslee nw. en ce=leke
peceekelee&DeeW/ uee@kej efkejeeoejeW/ mesHe kem[er ceW meeceeve peceekelee&DeeW kes
mebyebOe ceW efveheeve nsleg Gve oeJeeW keer eqmLeefle keer cee@efveeEjie kejleer nw pees 15
efove mes DeefOeke mecee mes heWeE[ie nQ, leLee yeQeEkeie ueeskeheeue eje heeefjle
DeJee[&me kes keeee&vJeeveeW keer meceer#ee Yeer kejleer nw.
ieenke mesJee hej mLeeeer meefceefle

Deehekes yeQke ves ieenke mesJee heefle SJeb keee&efve<heeove yepe hej mLeeeer
meefceefle kee ie"ve efkeee nw efpemeceW yeQke kes leerveeW keee&heeueke efveosMeke Deewj
eej ceneheyebOekeeW kes DeueeJee -3- heefleeqle peve heefleefveefOe Meeefceue efkeS ieS
nQ Deewj en Deehekes yeQke ceW heeefuele heCeeefueeeW SJeb heefleeeW keer meceer#ee
kejleer nw Deewj melele DeeOeej hej DeeJeMeke megOeejelceke Gheee kejleer nw.
yeQke kes heOeeve keeee&uee eje efleceener DeeOeej hej #es$eere keeee&ueeeW mes
MeeKee mlejere ieenke mesJee meefceefle keer yew"keeW mes megPeeJe heehle efkeS peeles nQ
Deewj GvnW ieenke mesJeeDeeW mebyebOeer heCeeefueeeW SJeb heefleeeW keer uesKee hejer#ee
keer mLeeeer meefceefle kes mece#e hemlegle efkeee peelee nw.
ieenke keseqvle henueW SJeb efMekeeele efveJeejCe
Deehekes yeQke ves efveosMeke-ceb[ue eje Devegceesefole ieenke efMekeeele

efveJeejCe veerefle leLee Ske megmebieef"le ieenke efMekeeele efveJeejCe leb$e
leweej efkeee nw. Deehekes yeQke mes mebyebefOele ieenke efMekeeeleeW kes mebyebOe
ceW heefjeeueve SJeb mesJeeDeeW kes ceneheyebOeke kees vees[ue DeefOekeejer yeveeee
ieee nw. Debeue SJeb #es$eere mlejes hej mebyebefOele Debeue SJeb #es$eere hecegKe
vees[ue DeefOekeejer yeveeS ieS nQ. vees[ue DeefOekeeefjeeW SJeb Gvekes mebheke&
vecyej kees meYeer MeeKeeDeeW ceW heoe|Mele efkeee ieee nw.
heleske efleceener ceW efveosMeke-ceb[ue kes mece#e ieenke efMekeeeleeW SJeb
mecemeeDeeW kes efveJeejCe kes yeejs ceW Ske vees hemlegle efkeee peelee nw
efpemeceW Deehekes yeQke kes #es$eere keeee&ueeeW SJeb heOeeve keeee&uee ceW heehle
ieenke efMekeeeleeW keer eqmLeefle hemlegle keer peeleer nw. Fmekes yeeo ieenke
mesJee ceW megOeej nsleg lelmebyebOeer Hee@uees-Dehe Gheee SJeb DeeJeMeke henueW keer
peeleer nQ.
ieenkeeW keer efMekeeeleeW kees kece kejves SJeb PebPecege ieenke mesJee
megefveeqele kejves keer eq mes ieenkeeW mes heehle efMekeeeleeW kee efveeefcele
he mes efJeMues<eCe efkeee peelee nw Deewj meceeesefele keee&Jeener keer peeleer
nw efpememes efke YeefJe<e ceW Fme hekeej keer efMekeeeleW heehle ve neW.
26
ieenke mesJeeDeeW kes mebyebOe ceW Deehekee yeQke Deheves efveosMeke-ceb[ue eje
Devegceesefole veerefleeeW kees Deheveelee nw Deewj en veerefleeeb Deehekes yeQke keer
JesyemeeF hej GueyOe nQ.
efJee ceb$eeuee, Yeejle mejkeej kes 11 petve, 2012 kes he$eebke [erDees
veb.1/3/2012-yeerDees-III ceW efoS ieS efveosMeeW kes Devegmeej meYeer yeQkeeW ceW
Skehelee ueeves Deewj meYeer efMekeeeleeW kee Ske kesvereke=le [seyesme leweej
kej ieenkeeW kees megefJeOee heoeve kejves keer eq mes Deehekes yeQke ves ceevekeerke=le
peveefMekeeele efveJeejCe leb$e ueeiet efkeee nw efpememes efke efMekeeelekelee&
Deheveer mecemeeDeeW kees Ske mejue SJeb Deemeeve lejerkes mes yeng-efJeefOe ewveueeW kes
eje G"e mekeW.
Fmekes meeLe ner Deehekes yeQke keer JesyemeeF kes nesce hespe hej Dee@veueeFve
kebhueWme (SmeheerpeerDeejSme) kee Deeekeve GHeueyOe kejeee ieee nw.
Sme Heer peer Deej Sme keer efJeMes<eleeSb
Deehekes yeQke keer JesyemeeF kes nesce hespe hej Dee@veueeFve kebhueWme
(SmeheerpeerDeejSme) Deeekeve GHeueyOe kejeee ieee nw.
efMekeeeleeW/ mecemeeDeeW kes jefpem^sMeve kes meeLe ner legjble Ske ^wkej
DeeF& [er pesvejs neslee nw Deewj Jen efMekeeelekelee& kes F&-cesue DeeF& [er hej
metefele kej efoee peelee nw. Fme ^wkej DeeF& [er kes DeeOeej hej ieenke
Deheveer efMekeeele/ mecemee keer Jele&ceeve eqmLeefle peeve mekelee nw.
mecemeeDeeW kes MeerIe efveJeejCe kes efueS mebyebefOele MeeKee kees ener ^wkej
DeeF&[er F&-cesue mes Yeer Yespeer peeleer nw.
mecemee kee meceeOeeve kejles mecee, mecemee efveJeejCe ceW Jeleerle efoveeW
kees Oeeve ceW jKeles ngS, Deieues Ge DeefOekeejer kees Ske mJepeefvele
SmkeeueseEie cewef^keme Yeer heoeve efkeee peelee nw.
efMekeeele yebo kej efoS peeves kes ceeceues ceW ieenkeeW kees mJepeefvele wkem
mebosMe Yespee peelee nw.
SmeheerpeerDeejSme kes keeee&eqvJele nes peeves hej oeej keer ieF& mecemeeDeeW/
efMekeeeleeW kes efveJeejCe mecee ceW Deleble keceer DeeF& nw pees efke 5 mes 7
efove Deewmele nw.
Deehekes yeQke ves meYeer Debeue keeee&ueeeW SJeb heOeeve keeee&uee ceW mecee|hele
kebhetj efmemce efkeeesmke mLeeefhele efkeS nQ leeefke ieenke Deheveer
efMekeeeleW/ mecemeeSb Dee@veueeFve ope& keje mekeW.
meceer#eeOeerve Je<e& ceW Deheveer MeeKeeDeeW ceW ieenke mesJee ceW megOeej nsleg Deehekes yeQke
ves meyemes efveeues mlej keer ieenke meefceefleeeW mes heehle Heer[yewke SJeb efJeefYeVe
DeOeeveeW/ meJex#eCeeW kes DeeOeej hej keF& ieenke keseqvle henueW SJeb Gheee efkeS nQ.
kesJeeemeer-SSceSue-meerSHeer kes efueS leb$e

Deheves ieenke kees peeefveS (kesJeeemeer) ceeveob[/ Sber ceveerueebeE[îe (SSceSue)
ceeveob[/ DeelebkeJeeo kes efJeehees<eCe keer jeskeLeece (meerSHeer) Gheee SJeb heer Sce
Sue S, 2002 kes Debleie&le yeQke kes oeefelJe
kesJeeemeer-SSceSue-meerSHeer kes mebyebOe ceW Deehekee yeQke efveosMeke-ceb[ue mes
Devegceesefole veerefle kee DevegmejCe kejlee nw. en veerefle yeQke kes kes Jeee meer
ceeveob[eW, S Sce Sue ceevekeeW, meer SHe er GheeeeW leLee heerJeWMeve Dee@He ceveer ueebeE[îe
Ske (heerSceSueS) kes Debleie&le yeQke kes oeefelJeeW kes keeee&vJeeve kes DeeOeej nQ.

mecemle yeQke ceW kesJeeemeer-SSceSue-meerSHeer keeee&vJeeve keer cegKe
efJeMes<eleeSb
yeQke efJeeere DevegmebOeeve FkeeF& (SHeDeeF&et) kees Fueskeê@efveke he ceW Yespeves

kes efueS Fueskeê@efveke lejerkes mes vekeo uesve osve efjheeseX (meererDeej) kees
pesvejs kejlee nw.
efmemce DeeOeeefjle Sue&me pesvejs kejves kes efueS SSceSue mee@uetMeve

mLeeefhele kej ueeiet kej efoee ieee nw.
mebosnemheo uesve-osveeW kee helee ueieeves Deewj efjheeseX (SmeerDeej) kees efJeeere
DevegmebOeeve FkeeF& (SHeDeeF&et) kees hesef<ele kejves nsleg efmemce DeeOeeefjle
JeJemLee nw.
yeQke ieenkeeW kes KeeleeW kee heleske ceener ceW efmemce DeeOeeefjle peesefKece
JeieeakejCe (SSceSue GheeeeW mes) efkeee ieee nw.
yewke SHeDeeF&et DeeFSve[er, veF& efouueer kees peeueer kejWmeer veeseW keer efjhees&
(meermeerDeej) hesef<ele kejlee nw.
yeQke SHeDeeF&et-DeeFSve[er kees iewj-ueeYekeejer mebie"veeW kes uesve-osveeW kes yeejs

ceW efjhees& (SveerDeej) hemlegle kejlee nw.
kes Jeee meer kes hetCe&le Devegheeueve nsleg meHe meomeeW SJeb ieenkeeW kees efMeef#ele
kejvee neslee nw efpemekes efueS yeQke ves efvecveefueefKele Gheee efkeS nQ
ieenkeeW keer megefJeOee kes efueS yeQke keer JesyemeeF (www.bankofbaroda.com)

hej kes Jeee meer omleeJespeeW keer efJemle=le meteer oer ieF& nw.
kesJeeemeer-SSceSue-meerSHeer efMe#ee kes mebyebOe ceW meboYe& meeceieer heoeve kejves

kes efueS yeQke kes Fbêves hej kesJeeemeer-SSceSue hespe heoeve efkeee ieee nw.
yeQke kes heefMe#eCe mebmLeeveeW ceW kesJeeemeer-SSceSue-meerSHeer ceeie&-efveoxMeeW hej

efveeefcele heefMe#eCe me$e Deeeesefpele efkeS peeles nQ.
yeQke kes Jeefj DeefOekeeefjeeW/ keee&heeuekeeW kes efueS Yeejleere efj]peJe& yeQke,
Yeejleere yeQke mebIe (DeeF&yeerS) leLee jeêre yeQke heyebOeve mebmLeeve
(SveDeeF&yeerSce) ceW heefMe#eCe keee&ece Deeeesefpele efkeS peeles nQ.
keeheexjs hee&Jes#eCe (keeheexjs DeesJejmeeF) SJeb MeeKeeDeeW keer uesKee hejer#ee

kes heeespeve mes yeQke kes heOeeve keeee&uee ceW efJeMes<e%elee heehle kejves kes efueS
efvejblej heeeme efkeS pee jns nQ.
yewke-Dee@efHeme heefjeeueve
#es$eere yewke-Dee@efHeme SJeb efmeer yewke-Dee@efHeme
Deehekes yeQke ves oes hekeej kes yewke-Dee@efHemeeW keer mebkeuheveeSb kej GvnW keeee&eqvJele
efkeee nw, eLee #es$eere yewke-Dee@efHeme (DeejyeerDees) SJeb efmeer yewke-Dee@efHeme
(meeryeerDees). DeejyeerDees Keelee Keesueves kes HeeceeX SJeb Jeweeerke=le eske yegkeeW
(heermeeryeer) keer kesvereke=le heesmeseEmeie kejlee nw. Deehekes yeQke ceW -10- DeejyeerDees nQ
pees ye[ewoe, Yeesheeue, efouueer, keesebyeetj, cegbyeF&, ueKeveT, peehegj, keesuekeelee,
hegCes SJeb peceMesohegj ceW efmLele nQ. Deej yeer Dees 2915 MeeKeeDeeW kes efueS Deuheueeiele
(keemee) Keelee Keesue jns nQ. -7- DeejyeerDees keer kesvereke=le heesmeseEmeie keee&keueeheeW
mes Deehekes yeQke kes 8 DebeueeW kee Mele-heefleMele keJejspe megefveeqele ngDee nw. Keelee
Keesueves SJeb Gvekes heyebOeve nsleg oes Deve DeejyeerDees kees DeejbYe kejves keer heefeee
Yeer DeejbYe kej oer ieF& nw efpememes efke yeQke keer Deve Mes<e MeeKeeDeeW kees DeejyeerDees
heefeee kes Debleie&le Meeefceue efkeee pee mekes.
2012-13
Deehekes yeQke keer 3908 MeeKeeDeeW kes ieenkeeW kees #es$eere yewke-Dee@efHeme (DeejyeerDees)
kes ceeOece mes Jeweeerke=le eske yegke peejer kejves keer megefJeOee heoeve keer pee jner
nw. Deehekes yeQke ves 13 ceW mes 12 DebeueeW keer meYeer MeeKeeDeeW kees en megefJeOee heoeve
keer nw. jepemLeeve Debeue keer Mes<e MeeKeeDeeW kees heermeeryeer peejer kejves keer megefJeOee
kes Debleie&le Meeefceue kej efoee peeSiee efpememes efke FmeceW mebhetCe& osMe kes ieenke
keJej nes peeSbies.
meeryeerDees meceeMeesOeve uesve osveeW DeeJeke SJeb peeJeke oesveeW leLee mejkeejer
JemetefueeeW SJeb F&meerSme uesve osveeW keer kesvereke=le DeheueeseE[ie kejlee nw. Deehekes
yeQke ceW 21 meeryeerDees (mesJee MeeKeeSb) nQ efpeveceW heleske Menj/ kesv keer MeeKeeDeeW
kee meceeMeesOeve SJeb F&meerSme keee& kesvereke=le he ceW efkeee peelee nw. meceeMeesOeve
kee kesverekejCe 64 cegKe MeeKeeDeeW (pees mLeeveere MeeKeeDeeW kee meceeMeesOeve
keee& kejleer nQ) ceW Yeer DeejbYe efkeee pee jne nw. meeryeerDees mebkeuhevee kes lenle
Deehekes yeQke keer 1372 MeeKeeSb Meeefceue kej oer ieF& nQ. efJeeere Je<e& 13 kes oewjeve
Deehekes yeQke ves cegbyeF&, Denceoeyeeo SJeb metjle ceW hetCe&le Deeescess[ eske heesmeseEmeie
efmemce DeejbYe efkeee nw.
mejkeejer keejesyeej SJeb kejWmeer esm

Deehekes yeQke eje efJeeere Je<e& 2013 kes oewjeve mejkeejer keejesyeej kes mebyebOe ceW
DeejbYe efkeS ieS veS JeJemeee #es$e efvecveevegmeej nQ.
1. Deehekes yeQke ves PeejKeb[, G[ermee, Demece, ef$ehegje, he.yebieeue, oceve SJeb oerJe,
eermeie{, ce.he., eb[erie{, kesjue, heebef[esjer jepeeW ceW `kej Jemetueer' nsleg
Devegceefle heehle kej ueer nw.
2. heerheerSHe / SmemeerSmeSme keejesyeej kee keee& kejves kes efueS Deefleefje 350
MeeKeeSb heeefOeke=le keer ieF&.
3. Deehekes yeQke ves 1 efomebyej, 2012 mes 31 ceee& 2013 kes oewjeve heerheerSHe
KeeleeW kes mebienCe nsleg efJeefMe DeefYeeeve eueeee. DeefYeeeve DeJeefOe kes
oewjeve kegue 22,540 veS heerheerSHe Keeles Keesues ieS.
4. efJeosMe ceb$eeuee mes Gvekes efceMeve / heesm kees efkeS peeves Jeeues Oevehes<eCe
mebyebOeer keejesyeej kees Yeer neefmeue efkeee ieee nw. Debleje&êre JeJemeee
MeeKee, veF& efouueer kees eespevee kes lenle yeQeEkeie JeJemLee kes Deveghe
efveefOeeeW kes efveheeve nsleg vees[ue MeeKee efveOee&efjle efkeee ieee.
5. yeQke ves kesves[er SJesvet MeeKee, Dece=lemej SJeb yeerSce ceeie& MeeKee, peeuebOej ceW
kemce [eter keer hele#e Jemetueer keer JeJemLee keer nw.
6. yeQke ves leefceuevee[g ceW F&-ceeOece mes DeejerDees wkeme kes Yegieleeve kees
heefjeeefuele kej efoee nw.
7. efouueer SJeb efnceeeue heosMe ceW yeQke keer ueieYeie 15 Deve MeeKeeDeeW ceW
F&-mQeEheie keer megefJeOee GheueyOe kejeF& ieF& nw.
8. Deehekes yeQke ves Yeejleere efj]peJe& yeQke yeeb[eW keer heeeqhle SJeb Yegieleeve kes mebyebOe
ceW peeryeerSce cee@[etue kees meefee kej efoee nw. meYeer heeefOeke=le MeeKeeDeeW ves
Deheves mebhetCe& [se kees peeryeerSce cee@[etue ceW ceeFies kej efoee nw SJeb
Yeejleere efj]peJe& yeQke keer Dehes#eeDeeW kes Devegmeej efjheese\ie heCeeueer kees
heefjJee|lele kej efoee nw.
9. yeQke keer meYeer MeeKeeDeeW eje hele#e kejeW kes F&-Yegieleeve nsleg efHeveskeue ceW
CA 118 cesveg kees efJekeefmele efkeee ieee nw pees kejeW kes efJehes<eCe nsleg
Dee@HeueeFve cees[ GheueyOe kejelee nw.
27
2012-13
10. sefuekee@ce heWMeveme& kees heWMeve keer heesmeseEmeie SJeb Yegieleeve kes mebyebOe ceW
meerheerheermeer mLeeefhele efkeee ieee nw.
mesJee keer pejle nesleer nw. Fme hekeej Fmekeer mesJee keer iegCeJeee DeefOekeebMele
JeefeeeW kes vepeefjS hej efveYe&j kejleer nw.
veF& heWMeve eespevee (SveheerSme)
Deehekes yeQke kes meleke&lee efJeYeeie kee en heeeme jne nw efke heefjeeueve mlej
leLee efveeb$eke keeee&uee mlej hej keee&jle meHe kees efveJeejke leLee DevJes<eke
Gheee kejves ceW meceke meeJeOeeveer SJeb meleke&lee yejleves kes efueS heeslmeeefnle
leLee me#ece yeveeee peees. Fmemes keee&-o#elee ye{eves kes meeLe-meeLe F&ceeveoej
meHe kes efueS megj#ee kee ceenewue leweej kejves ceW ceoo efceueleer nw.
Deehekes yeQke ves SveheerSme-ueeF kes lenle veF& heWMeve eespevee kees meefee kej efoee
nw. Deehekes yeQke ves 14.09.2012 kees Fmekes MegYeejbYe kes Ghejeble Fme eespevee kes
lenle 31.03.2013 leke kegue 20,872 DeeJesove mebie=nerle efkeS nQ.
vekeoer heyebOeve SJeb kejWmeer esm

1. Deehekes yeQke ves Deheves DebeueeW / #es$eeW mes efvejblej efveiejeveer SJeb DevegJeleea
keej&JeeF& kejles ngS vekeo pecee Devegheele (SerSce kes vekeoer kees es[) kees
0.30 DeLeJee Gmemes kece yeveeS jKee nw.
2. Deehekes yeQke ves veS kejWmeer esm Keesueves kes efueS 30 keW efveOee&efjle efkeS nQ
SJeb efJeefYeVe DeefOekeeefjeeW mes cebpetjer heehle kejves keer heef eee DeejbYe kej oer nw.
kejWmeer heyebOeve nsleg veereflehejke eespevee (2011-14)

Deehekes yeQke ves Yegieleeve heCeeueer ceW megOeej ueeves nsleg kejWmeer heyebOeve mebyebOeer
keee&veereflehejke eespevee 2011-14 kes lenle veS kejWmeer esm Keesueves kes efueS
30 veS keWeW kees efveOee&efjle efkeee nw. Fme hekeej kejWmeer esm keer kegue
mebKee Jele&ceeve kes 84 mes ye{kej 114 nes ieF& nw.
eceebke Debeue kee veece
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
leerve Je<eeX ceW hemleeefJele vees

kejWmeer esm (ceee& 2014 leke)
efyenej, G[ermee SJeb PeejKeb[ Debeue
03
hetJeea Debeue
04
ye=no cegbyeF& Debeue
00
Gejer iegpejele Debeue
02
oef#eCeer iegpejele Debeue
00
ceneje^ SJeb ieesJee Debeue
02
ceOeheoMs e SJeb eermeie{ Debeue
04
Gejer Debeue
01
jepemLeeve Debeue
04
kevee&ke SJeb DeebOe heoMs e Debeue
01
leefceuevee[g SJeb kesjue Debeue
01
hetJeea GejheosMe Debeue
06
heeqeceer GejheosMe SJeb
02
GejeKeb[ Debeue
kegue
30
meleke&lee
Dee@escesMeve kes mebyebOe ceW Jewefeke mlej hej nesves Jeeues yeoueeJe leLee yeQeEkeie
Geesie ceW nesves Jeeues Jeeheke heefjJele&veeW kes yeeJepeto yeQeEkeie mesJee keer heke=efle
Jeefehejke nw. Glheeove GvcegKe mebie"veeW kes efJehejerle, yeQeEkeie ceW Jeefehejke
28
Ieesj ueehejJeener kes ceeceueeW, efpeveceW Deehekes yeQke keer efveefOeeeb yees pee mekeves
Jeeues peesefKece ceW he[ ieF& Deewj Ssmes ceeceues, efpeveceW JeJemeeefeke efveCe&eeW keer
Jepen mes neefve ngF&, kes yeere meeJeOeeveerhetJe&ke Deblej efkeee peelee nw. heleske
ceeceues keer DeeJeefOeke efveiejeveer en megefveeqele kejves kes efueS keer peeleer nw efke
peebe-he[leeue lespeer mes meceehle nes Deewj meYeer mebyebefOeleeW kees efve<he#e heleerle nes.
en megefveeqele kejves kee Yeer heeeme efkeee peelee nw efke peneb pejer nes Jeneb r
mecee hej leLee eLeesefele Hesveuer nes.
efJeefYeVe efveJeejke GheeeeW kes mebyebOe ceW meHe meomeeW keer meYeer esefCeeeW kees
peeieke kejves kes Deefleefje Deehekes yeQke keer meleke&lee ceMeervejer kebhetjerke=le F&
yeQeEkeie ceenewue ceW GYejves Jeeues veS peesefKeceege #es$eeW ceW heYeeJeer {bie mes Deheveer
mekeejelceke Yetefcekee kee efveJee&n kej jner nw.
Deehekes yeQke ceW Kejero SJeb W[j heefeee ceW DeefOeke heejoe|Melee ueeves kes efueS
yeQke eje W[j Deecebef$ele kejves keer veesefme / DeJee[& efkeS ieS W[j kes
efJeJejCe leLee W[j / keeb^wke kes meejebMe keer Jeeheke GheueyOelee megefveeqele
kejves nsleg yeQke keer JesyemeeF hej [eues peeles nQ.
Deehekes yeQke ves DeeJeeme $e+Ce, efMe#ee $e+Ce leLee Dee@es $e+Ce kes mebyebOe ceW Dee@
veueeFve ShueerkesMeve Sb[ ^QeEkeie m&me keer megefJeOee DeejbYe keer nw. meeJe&peefveke
#es$e kes yeQkeeW ceW meceeve {bie mes efeeeeqvJele efkeS peeves nsleg efJee ceb$eeuee eje
metefele efkeS ieS Devegmeej ceevekeerke=le peve efMekeeele efveJeejCe heCeeueer
(ScepeerheerDeejSme) kees 11 peveJejer 2013 mes heYeeJeer kej efoee ieee nw.
nceW en GuuesKe kejles ngS KegMeer nw efke heefjeeueve meHe eje efoKeeeer ieF&
peeiekelee, meeJeOeeveer leLee meleke&lee kes keejCe yesFceeve ueesieeW eje efkees
iees OeesKeeOe[er kes 40 heeeme efJeHeue efkees iees Deewj Fmemes Deehekee yeQke ye[s
efJeeere vegkemeeve mes yeee.
keejesyeej efve<heeove
efJeeere Je<e& 2013 kes oewjeve JeJemeee efJekeeme kes #es$e ceW Deehekes yeQke keer
hecegKe GheueeqyOeeeW kee yeewje veeres efoee ieee nw.
mebmeeOeve mebienCe SJeb Deeeqmle efJemleej

31 ceee&, 2013 kees kegue mebmeeOeveeW ceW yeQke keer peceejeefMeeeW kee DebMe 86.6% jne.
kegue peceejeefMeeeb ` 3,84,871.11 kejes[ hees mes ye{kej ` 4,73,883.34
kejes[ hees nes ieF& pees efheues Je<e& mes 23.1% keer Je=e
f oMee&leer nw. kece ueeieleJeeueer
peceejeefMeeeW ceW cenlJehetCe& Ieke yeele yeQke peceejeefMeeeW ceW 13.04% keer Je=e
f ngF&
Deewj ` 74,579.53 kejes[ hees mes ye{kej ` 84,302.61 kejes[ hees nes ieF&.
kegue peceejeefMeeeW (Iejsuet leLee Jewef eke) ceW kece ueeieleJeeueer peceejeefMeeeW (eeuet + pecee) kee
DebMe 25.3% jne nw Deewj Iejsuet peceejeefMeeeW ceW en DebMe 30.4% jne.

efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke kes kegue Deefiece ceW 14.2% keer Je=e
f ngF.&
Iejsuet DeefieceeW ceW 11.0% Deewj efJeosMeer DeefieceeW ceW 21.89% keer Je=e
f ope& ngF.&
2012-13
Deehekes yeQke kes keeheexjs ieenkeeW kees ye[s SJeb ceOece keeheexjs ceW Jeieeake=le
efkeee ieee nw. ` 500 kejes[ mes peeoe efyeeer ve& DeesJej kees ye[s keeheexjs
SJeb ` 150 kejes[ mes ` 500 kejes[ kes efyeeer ve&DeesJej kees ceOece keeheexjs
ceW Jeieeake=le efkeee ieee nw.
efkemeer Yeer yeQeEkeie Geesie kes efJekeeme keer mebYeeJeveeSb Gme DeLe&JeJemLee efJekeeme
keer ieefle mes ienjs he ceW peg[er nesleer nw, efpevemes Jen mebye nw. ogYee&ieJeMe
Yeejleere DeLe&JeJemLee ves efJeeere Je<e& 2013 kes oewjeve oMeke keer vetvelece
Je=ef ope& keer. jepekees<eere SJeb eeuet Keeles kes Iees, DeefOeke cegemHeerefle SJeb
yeepe ojW, DeeqmLej Jeeeoe ojW, efvepeer efveJesMe Fleeefo mes osMe keer efJekeeme
oj heYeeefJele ngF& nw.
yeQke Dee@He ye[ewoe ves 31 ceee& 2013 kees meceehle Je<e& kes efueS, efJee Je<e& 2012-13
SJeb efJee Je<e& 2013 keer eewLeer efleceener kes efJeeere heefjCeece Ieesef<ele efkeS
efveefOeeeW keer mebjevee

efJeJejCe
(hees kejes[ ceW)
peceejeefMeeeb
- Iejsuet
- efJeosMeer
GOeeefjeeb
Je=ef (%)
3,84,871.11
ceee& 2013
kees meceehle
4,73,883.34
23.13
2,80,135.26
3,41,705.59
21.98
1,04,735.85
1,32,177.74
26.20
23,573.05
26,579.28
12.75
ceee& 2012
kees meceehle
ceee& 2013
kees meceehle
Je=ef (%)
ceee& 2012
kees meceehle
Jewefeke Deefiece (Meg)

efJeJejCe
(hees kejes[ ceW)
peceejeefMeeeb
- Iejsuet
- efJeosMeer
2,87,377.29
3,28,185.77
14.20
2,02,075.39
2,24,294.33
11.00
85,301.90
1,03,891.44
21.79
nesuemesue yeQeEkeie SJeb efce[ kee@heexjs yeQeEkeie

Deehekes yeQke kee nesuemesue yeQeEkeie heYeeie meYeer hekeej kes $e+Ce GlheeoeW SJeb
mesJeeDeeW, eLee-ceereeoer $e+Ce, DeuheeJeefOe $e+Ce, ceebie $e+Ce, keee&Meerue hetbpeer
megefJeOeeSb, Jeeheej efJee Glheeo, ^spejer Glheeo, hetjke $e+Ce, meecetefnke $e+Ce,
mebjeveelceke $e+Ce, efJeosMeer cege / yeepe oj mJewhe, efJeosMeer cege $e+Ce, YeeJeer
efkejeee heeeqhleeeW kes hess $e+Ce leLee Deewj Yeer keF& hekeej kes $e+Ce Deheves ye[s
SJeb ceOece keeheexjs ieenkeeW kees Gvekeer pejleeW kes Devegmeej heoeve kej jne
nw. $e+Ce Glheeo SJeb mesJeeSb ueeerueer nQ Deewj ieenke keer peesefKece heesHeeFue leLee
efJeefMe DeeJeMekeleeDeeW kees Oeeve ceW jKekej Gheege he mes efvee|cele keer
ieF& nQ.
Deehekes yeQke ves DeveskeeW yengjeêre kebheefveeeW, Iejsuet JeeJemeeefeke ie=neW SJeb
meeJe&peefveke #es$e keer cenlJehetCe& kebheefveeeW kes meeLe meg{ JeeJemeeefeke mebyebOe
keeece kejves ceW cenlJehetCe& meHeuelee Dee|pele keer nw.
leLeeefhe, Fme oewj ceW Deehekes yeQke ves $e+Ce efJemleej kes #es$eeW keer heneeve keer
SJeb Deheves Heem ^wke [smke kes ceeOece mes 94 veS mebyebOe mLeeefhele efkeS.
nesuemesue SJeb efce[ keeheexjs efJeYeeie ves Je<e& kes oewjeve efJeefYeVe #es$eeW / GeesieeW
keer heosMe Yej ceW Hewueer heefjeespeveeDeeW / F&keeFeeW ceW ` 53,565/- kejes[ keer
veF& / ye{er ngF& $e+Ce megefJeOeeSb cebpetj keeR. Fmemes mebJesoveMeerue #es$eeW pewmes Iejsuet
JeeefCeeqpeke efjeue Fms, heeJej, jes[, sefuekee@ce, Deeejve SJeb merue Fleeefo
kees Deefleefje $e+Ce osves hej Yeer efJeeej efkeee.
Deehekes yeQke kee iewj Keee mekeue Deefiece 31.03.2012 kes ` 2,01,822.71
kejes[ mes ye{kej 31.03.2013 kees ` 2,23,990.20 kejes[ nes ieee. efJeeere
Je<e& 2013 kes oewjeve kes kegue Iejsuet $e+Ce kee 37.5% efnmmee nesuemesue $e+Ce
mes mebye jne.
Deehekes yeQke ves efJeeere Je<e& 13 kes oewjeve Ske veS JeJemeee Jee|keue DeLee&led
efce[ keeheexjs mesieceW keer mLeehevee keer. Fmekee GsMe efce[ keeheexjs
$e+Cekelee&DeeW kees $e+Ce heJeen ye{evee leLee mecee|hele MeeKeeDeeW kes ceeOece mes
efce[ keeheexjs ieenkeeW keer mebKee kees ye{evee nw. cenlJehetCe& efce[ keeheexjs
JeJemeee mesieceW keer DeeJeMekeleeDeeW kes heefle Heeskeme ege JeeJemeeefeke
eqkeesCe jKeles ngS DeejbefYeke leewj hej mebhetCe& Yeejle ceW 16 efce[ keeheexjs
MeeKeeSb Keesueer ieF& nw.
Deehekes yeQke kee GsMe meerSHeSme MeeKeeDeeW kes ceeOece mes ye[s keeheexjs
JeJemeee kees leLee efce[ keeheexjs MeeKeeDeeW kes ceeOece mes efce[ keeheexjs
JeJemeee kees ye{evee SJeb Fmekes eje `Dee@ve SC[ Dee@He' legueve he$e JeJemeee,
oesveeW kes ceeOece mes, Deee Depe&ve kees DeefOekelece kejvee nw.
Deehekes yeQke kee nesuemesue yeQeEkeie efJeYeeie kes heeme Ske mebhetCe& heefjeespevee efJee
efJeYeeie nw. heefjeespevee efJee efJeYeeie kes heeme efJeefYeVe #es$eeW kes heesHesMeveue keer
mesJeeSb GheueyOe nQ peesefke Deehekes yeQke kes ieenkeeW keer erF&Jeer DeLee&led lekeveerkeer
JeJenee&lee SJeb cetueebkeve kee DeOeeve kejlee nw.
efJeYeeie kes heeme Ske eEmeef[kesMeve [smke keer megefJeOee Yeer nw pees ieenkeeW keer
Iejsuet efveefOe DeeJeMekeleeDeeW kees eEmeef[kes kejlee nw. efJeYeeie kees erF&Jeer
DeOeeve, heefjeespeveeDeeW keer peebe, eEmeef[kesMeve meewoeW Fleeefo kes ceeOece mes
Keelee Meguke DeeOeeefjle Deee Dee|pele kejlee nw.
Deehekes yeQke kes nesuemesue yeQeEkeie efJeYeeie kes heeme Iejsuet efJeosMeer cege keejesyeej
([erSHeyeer) Yeer nw. [erSHeyeer meYeer heeefOeke=le MeeKeeDeeW kes ceeOece mes JeJemeee
kees, efpemeceW SceDeeF&Sme leLee efjheese\ie / Deeeele efveee&le JeJemeee heyebOeve
Yeer Meeefceue nw, mebeeefuele kejlee nw.
29
2012-13
Deehekes yeQke ves Deeeqmle iegCeJeee kees yeveeS jKeves SJeb cetueebkeve iegCeJeee kees
yesnlej kejves nsleg efveOee&efjle heefeee kes heeueve SJeb meereEveie kejves hej efJeMes<e
yeue efoee nw.
Ghejese nsleg Gheege keewMeue ege kece&eejer DeLeJee o#e, me#ece SJeb keewMeueege
ceeveJeMeefe kee nesvee Ske hetJe& Mele& nw. Fmes Oeeve ceW jKeles ngS Deehekee yeQke esef[
leLee Hee@jks eme DeefOekeeefjeeW kes efveeefcele leewj hej heeMf eef#ele efkees peeves SJeb yeQke kes
Deboj leLee yeenjer heelf eeqle mebmLeeveeW kes meneesie efJeefMe heeMf e#eCe efoS peeves hej
efJeMes<e yeue os jne nw. Deehekes yeQke ves efJeMes<eerke=le DeefOekeeefjeeW keer Yeleea leLee meerS/
DeeF&meer[yuetS/meerSme/SceyeerS meeLe ner meeLe DevegYeJeer yeQekE eie heeHs esMeveue keer meerOeer
Yeleea kejvee peejer jKee nw.
en vees kejW efke Deehekes yeQke ves $e+Ce hemleeJeeW keer MeerIe cebpetjer nsleg `$e+Ce
Devegceesove heefeee keceser Deheese' kees Deheveeee nw. es meefceefleeeb ve& DejeGb[
mecee (erSer) kees kece kejves kes efueS yeej-yeej yew"keW kejleer nQ.
efjsue JeJemeee
hetJe& keer Yeebefle efJeeere Je<e& 2013 kes oewjeve efjsue JeJemeee yeQke kes meceie
JeJemeee ceW cenlJehetCe& Yetefcekee efveYeelee jne. Deehekee yeQke Jeweefeke SJeb ueIeg
JeJemeee ieenkeeW (JeeheeefjeeW) peesefke menpe SJeb mebJenveere ueeiele hej yeQeEkeie
megefJeOeeSb eenles nQ, keer efJeeere pejleeW kees hetje kejves hej efJeMes<e Oeeve oslee
nw.
Je<e& kes oewjeve efjsue yeQeEkeie mebefJeYeeie kes keee&efve<heeove kee yeewje veeres efoee
ieee nw.
efjsue yeQeEkeie kes Debleie&le Je=ef

Je<e& kes oewjeve Deehekes yeQke keer efjsue $e+Ce yener ceW heebe hecegKe Glheeo DeLee&led
nesce ueesve, Dee@es ueesve, efMe#ee $e+Ce, ^s[me& ueesve, cees&iespe ueesve Meeefceue nQ,
peesefke ceee& 2013 leke Ske meeLe efceuekej kegue efjsue $e+Ce mebefJeYeeie ceW
80.4% keer efnmmesoejer jKeles nQ. Deve Glheeo efpevekes veece ueeyees[ /
Dees[eryeerDees[er nQ, keer yeQke kes kegue $e+CeeW ceW 16.7% keer efnmmesoejer jner.
Fmekes Deefleefje Deve Glheeo, pewmes-ye[ewoe heme&veue ueesve SJeb efJeefJeOe Glheeo
pewmes [e@keme& ueesve, mejkeejer heefleYetefleeeW kes SJepe $e+Ce Fleeefo ves kegue
efjsue $e+CeeW ceW 2.9% kee eesieoeve efkeee.
kegue yekeeee efjsue $e+Ce 31 ceee& 2012 kes ` 35,668 kejes[ keer leguevee
ceW 31 ceee& 2013 kees ` 38,046 kejes[ jne. efJeeere Je<e& 13 kes oewjeve
` 2,379 kejes[ (6.7%) keer Je=ef ope& keer ieF& pees efke Deee|Leke ceboer SJeb
Ge FOeve Kee& kes keejCe efjsue ceebie ceW keceer kees heefleeEyeefyele kejleer nw.
heebe cenlJehetCe& efjsue GlheeoeW kes lenle Je=ef

efJeeere Je<e&, 2013 kes oewjeve kegue Kegoje $e+CeeW ceW 80.4% efnmmee jKeves
Jeeues Heebe hecegKe $e+Ce Glheeoesb ves efJeeere Je<e&-13 ceW ` 4,412 kejes[
(16.9%) keer kegue Je=ef ope& keer.
efJeeere Je<e& 2013 kes oewjeve DeeJeeme $e+Ce kes Debleie&le ` 1,911 kejes[
(13.5%) keer Je=ef ope& keer ieF&.
30
efJeeere Je<e&, 2013 kes oewjeve Dee@es $e+CeeW kes Debleie&le

(21.1%) keer kegue Je=ef ope& keer ieF&.
efJeeere Je<e&, 2013 kes oewjeve ^s[me& $e+CeeW kes lenled

(29.1%) keer Je=ef ope& keer ieF&.
efJeeere Je<e&, 2013 kes oewjeve ye[ewoe cees&iespe $e+CeeW kes Debleie&le ` 284
kejes[ (13.0%) keer kegue Je=ef ope& keer ieF&.
efJeeere Je<e&, 2013 kes oewjeve efMe#ee $e+CeeW ceW ` 86kejes[ (4.6%) keer
Je=ef ope& keer ieF&.
512 kejes[
1620 kejes[
Kegoje $e+CeeW ceW SveheerS

Deehekes yeQke kes Kegoje $e+Ce JeJemeee kes Debleie&le iewj-efve<heeoke DeeeqmleeeW keer jeefMe
efo.31.12.2012 kes ` 681.67 kejes[ (1.99%) kes mlej leLee efo.30.09.2012
kes ` 653.47 kejes[ (1.92%) kes mlej keer leguevee ceW efo.31.03.2013 kees
` 669.08 (1.76%) jner. Kegoje $e+Ce kes Debleie&le iewj efve<heeoke DeeeqmleeeW kee
mlej efo.31.03.2012 kee ` 682.37 kejes[ (1.91%) Lee.
efjsue peceejeefMeeeW kes Debleie&le Je=ef

Deehekes yeQke keer yeele pecee jeefMeeeb ` 9,425 kejes[ (12.98%) keer Je<e&oj-Je<e& Je=ef oMee&les ngS efo.31.03.2013 kees ` 81,995 kejes[ jner.
Deehekes yeQke keer efjsue ceereeoer pecee jeefMeeeb ` 16,672 kejes[ (13.83%)
keer Jeee|<eke Je=ef oMee&les ngS efo.31.03.2013 kees ` 1,37,215 kejes[ jner.
efJeeejeOeerve Je<e& kes oewjeve meceie efjsue peceejeefMeeeb, DeLee&led efjsue ceereeoer
peceejeefMeeeb + yeele peceejeefMeeeW kes Debleie&le ` 26,097 kejes[ (13.51%)
keer Je=ef ope& keer ieF&.
ieesu[ kee@Fve keer efyeeer

efJeeere Je<e&, 2013 kes oewjeve efJeefJeOe Je]peve kes kegue 696.076 efke.iee.kes
ueieYeie 77,459 ieesu[ kee@Fve keer efyeeer keer ieF&.
efJeeere Je<e&-13 kes oewjeve efjsue yeQeEkeie ceW veJeesvces<eer keee&

1. veS GlheeoeW kee heejbYeFme Je<e& efo.1 pegueeF&, 2012 kees "ye[ewoe SpegkesMeveue ueesve Hee@j JeeskesMeveue
SpetkesMeve SC[ ^seEveie keesme&" veeceke Ske vees efjsue Deeeqmle Glheeo kee
heejbYe efkeee ieee.
efo. 25 peveJejer, 2013 kees meele Je<e&, n ceen SJeb heebe efoveeW keer DeJeefOe
kes efueS 9.34% keer yeepe oj kes meeLe "ye[ewoe [yeue Oeceekee" veece mes
ye[ewoe [yeue Oeceekee pecee eespevee kee Ske DeeJeefOeke pecee Glheeo kee heejbYe
efkeee ieee.
2. Glheeo mebMeesOeve
Deehekes yeQke ves efJeeere Je<e&-13 ceW ye[ewoe Sef[Meveue SMees[& S[Jeevme
(SSS) eespevee ceW DeefOekelece meercee ` 25 ueeKe leke ye{eles ngS leLee
DeeOeej oj + 6.50% yeepe oj kees Ieekej DeeOeej oj + 1.50% keer
oj kes meeLe Fme e@he-Dehe nesce ueesve ceW mebMeesOeve efkeee.
ye[ewoe veeieefjke yeele Keeles kees mebMeesefOele kejles ngS ye[ewoe ueIeg yeele
yeQke pecee Keelee eespevee kee veece efoee ieee Deewj Gmes DeefOeke mJeerkeee&
Deewj Deeke<e&ke yeveeves kes efueS GmeceW efvecveefueefKele efJeMes<eleeSb Meeefceue
keer ieF&o
vetvelece heejbefYeke Mes<e jeefMe

ieF&.
ceen kes oewjeve DeenjCeeW keer mebKee leerve mes ye{ekej eej keer ieF&.
Je<e& kes oewjeve efveMeguke eskeeW keer Gieener nsleg eskeeW keer mebKee 10
mes ye{ekej 50 keer ieF&.
heefjeeueve ve kejves /Deheefjeeefuele /efveeq<ee KeeleeW kees meefee

kejves mebyebOeer hetJe& ceW ueeiet heYeej kees meceehle kej Metve heYeej
efkeee ieee.
mLeeeer DevegosMe, F&meerSme SJeb Fbjves yeQeEkeie keer megefJeOee GheueyOe

kejeF& ieF&, pees hetJe& ceW GheueyeOe veneR Leer.
Deehekes yeQke ves DeeJeeme $e+Ce, efMe#ee $e+Ce SJeb ye[ewoe ^s[me& $e+Ce
eespeveeDeeW kees Deheves efjsue ieenkeeW kes efueS DeefOeke Deeke<e&ke
yeveeves kes efueS Gvekes hecegKe hewjeceerme& ceW keF& mebMeesOeve efkeS.
50 mes Iee kej Metve kej oer
2012-13
yeele yeQke pecee DeefYeeeve (i)- kece ueeiele keer peceejeefMeeeW kes
mebienCe kes efueS efo.1 pegueeF&, 2012 kees leerve ceen keer DeJeefOe kes efueS
Ske yeele yeQke pecee DeefYeeeve heejbYe efkeee ieee. DeefYeeeve keer DeJeefOe
kes oewjeve 16,06,508 KeeleeW ceW ` 2,301 kejes[ (Oeeefjle jeefMe) keer
veeer peceejeefMeeeb mebieefnle keer ieF&.
yeele yeQke pecee DeefYeeeve (ii)- kece ueeiele Deewj peceejeefMeee mebieefnle
kejves nsleg efo.1 peveJejer, 2013 kees leerve ceen keer DeJeefOe kes efueS Ske
Deewj DeefYeeeve heejbYe efkeee ieee. Fme DeefYeeeve keer DeJeefOe kes oewjeve
13,89,750 KeeleeW ceW . 2,700 kejes[ (Oeeefjle jeefMe) keer veeer
peceejeefMeeeb mebieefnle keer ieF&.
3. JeJemeee mebyebOeer Deve henueW
efjsue $e+Ce DeefYeeeve efjsue ceevemetve Oeceekee Deehekes yeQke kes

efjsue $e+Ce hees&Heesefueees kees ye{eves kes efueS efo.14 ceF&, 2012 mes 30
efmelebyej, 2012 keer DeJeefOe kes oewjeve Ske efjsue $e+Ce DeefYeeeve,
ceevemetve Oeceekee heejbYe efkeee ieee. DeefYeeeve keer DeJeefOe kes oewjeve
24,323 Keelees ceW ` 2,088.21 kejes[ kee veee JeJemeee heehle efkeee
ieee.
efjsue $e+Ce DeefYeeeve efjsue $e+Ce leewnej Oeceekee (i)- efjsue
ceevemetve Oeceekee DeefYeeeve keer meHeuelee mes hesefjle neskej Ske veee
DeefYeeeve- "efjsue $e+Ce leewnej Oeceekee" efo.1 Deetyej, 2012 mes 30
veJebyej, 2012 leke cegKe he mes nesce ueesve SJeb keej ueesve kees keW ceW
jKeles ngS heejbYe efkeee ieee. Fmes efceues heeflemeeo kees osKeles ngS Gmes
efo. 31 efomebyej, 2012 leke Deeies ye{eee ieee. Fme DeefYeeeve kes
heejbYe mes efo. 31 efomebyej, 2012 leke 18,102 KeeleeW ceW kegue
` 1,617.58 kejes[ cebpetj efkeS ieS.
efjsue $e+Ce DeefYeeeve- efjsue $e+Ce leewnej Oeceekee (ii) Ghejese
DeefYeeeveeW keer meHeuelee kees osKeles ngS 1 peveJejer, 2013 mes 31
peveJejer, 2013 leke nesce ueesve SJeb keej ueesve hej keWefle kejle ngS
"efjsue $e+Ce leewnej Oeceekee (II)" veece mes Ske Deewj DeefYeeeve eueeee
ieee, efpemes 31 ceee&, 2013 leke Deeies ye{eee ieee. Fme DeefYeeeve kes
heejbYe mes efo. 31 ceee&, 2013 keer DeJeefOe ceW 16750 KeeleeW ceW
` 1,811.04 kejes[ cebpetj efkeS ieS.
ye[ewoe cene GlmeJe pecee eespevee- hetJe& keer 444 efoveeW keer 9.35% keer
yeepe oj keer "ye[ewoe GlmeJe pecee eespevee" kes mLeeve hej efo.13 Deiemle,
2012 kees 1111 efoveeW kes efueS 9.15% keer yeepe oj hej "ye[ewoe cene
GlmeJe eespevee" veeceke DeeJeefOeke pecee eespevee heejbYe keer ieF&.
yeele yeQke DeefYeeeve keer meHeuelee keer KegMeer ceW cegbyeF& ceW meerSce[er kes meeLe Ske efJeMes<e
mebOee kee Deeeespeve efkeee ieee
veeer efjsue ueesve Heweqkeêeb Keesuevee- meceer#eeOeerve Je<e& kes oewjeve efjsue
ueesve JeJemeee kees ye{eves nsleg mees[shegj, censmeeCee leLee jepekees ceW leerve
veeer efjsue ueesve Heweqkeêeb Keesueer ieF&.
Oeve mebheoe heyebOeve mesJeeSbDeheves ieenkeesvcegKeer heeemeeW kes Ske Yeeie kes he ceW Deehekee yeQke Je<e&, petve
2004 mes ner Deheves SeSveDeeF& SJeb cetueJeeve ieenkeeW kes efueS Oeve mebheoe
heyebOeve mesJeeSb ([yuetSceSme) GheueyOe kejelee jne nw. Fme mecee Deheveer
JeerSceSme kes Debleie&le yeQke efJeefJeOe meePesoejeW kes meeLe eF&-Dehe JeJemLee kes
Debleie&le mJeemLe pecee, cegetDeue Heb[ SJeb FeqkeJeer ^seE[ie meefnle peerJeve yeercee
Je iewj-peerJeve yeercee ceW efJeefJeOe Le[& heeea Glheeo GheueyOe keje jne nw.
mebheoe heyebOeve mesieceW kees cepeyetle kejves kes GsMe mes Deehekes yeQke ves
cegetDeue Heb[ SJeb peerJeve yeercee ceW DeieCeer Debleje&êre yeeb[ kes meeLe oes
mebege Gece heejbYe efkeS nQ. Fve oes pes.Jeer.kebheefveeeW kes Glheeo Deehekes yeQke
kes meceie Yeejle ceW MeeKeeDeeW kes Jeeheke vesJeke& kes ceeOece mes mebefJeleefjle
efkeS peeles nw. Fve mebege Geceer kebheefveeeW kes Gheece ceW GlmeenJeOe&ke Je=ef
efoKeeF& osvee Meg nes ieee nw.
Deheveer mebege Geceer kebheefveeeW kes GlheeoeW kes mebefJelejCe kes meeLe , Deeheves
yeQke ves meeOeejCe yeercee kes efueS vesMeveue FMeesjWme kebheveer efue. kes meeLe leLee
cegegDeue Heb[ Glheeo nsleg Deve meele DeeCeer Deeeqmle heyebOeve kebheefveeeW kes
meeLe eF&-Dehe JeJemLee keer nw. Deehekes yeQke ves peveJejer, 2007 mes F&-^seE[ie
kes efueS Fbef[ee FvHeesueeFve efue. kes meeLe Yeer eF&-Dehe JeJemLee keer nw Deewj
yee@ye kewefheue ceekex efue. kes ceeOece mes Fmekee Dehevee FeqkeJeer ^seE[ie
huesHeece& nw, efpemes efjwue ieenkeeW kes efueS heejbYe efkeee ieee Lee. DeeF&heerDees
/SHeheerDees leLee jeF& FMet meyeeqmehMeve nsleg SSmeyeerS DeeJesokeeW kes mJeerkeej
31
2012-13
nsleg meYeer MeeKeeDeeW kees Fvesyeue kejles ngS ieenke-efce$eJeled leLee efveJesMekeeW keer
megefJeOee nsleg keF& Gheee efkeS nw. meeLe ner, Fmekes Deheves ves yeQeEkeie ieenkeeW
kes efueS êbpeskeMeve jeF kes meeLe DeeF&heerDees /SHeheerDees/jeF FMet nsleg
SSmeyeerS DeeJesokeeW kee Gvekeer megefJeOeevegmeej Gvekes Iej /keeee&uee mes
mJeerkeej kejves keer megefJeOee nsleg Dee@veueeFve SSmeyeerS DeeJesove hemlegefle keer
megefJeOee heejbYe keer nw. Deehekes yeQke ves eEmeef[kes SSmeyeerS DeeJesokeeW kes
mJeerkeej nsleg 12 keWeW kees meefee efkeee nw. es ieenkeeWvcegKeer Gheee Deehekes
yeQke kes keemee mebienCe kes heeemeeW ceW GuuesKeveere he mes menYeeieer yeveWies Ssmeer
Dehes#ee nw.
Deheves mesJee kes mlej kees Deewj Thej G"eves kes efueS Deehekes yeQke ves Fbe[f ee Hem& ueeFHe
FbMeesjmW e heeefuemeer OeejkeeW kes efueS Ske efheecf eece Jemetueer cees[etue heejbYe efkeee nw.
meeLe ner, Deehekes yeQke kee meeOeejCe yeercee Glheeo yeQke eje efJee-heese<f ele DeeeqmleeeW
kees keJej GheueyOe kejelee nw. en Deehekes yeQke kees Meguke DeeOeeefjle Deee GheueyOe
kejelee ner nw, meeLe ner, $e+Cekelee& FkeeF& kees mebheoe heyebOeve mesJeeDeeW kes Debleie&le
peeseKf ece kees otj kejves kee efJekeuhe Yeer GheueyOe kejelee nw.
efJeeere Je<e& 14 iegCeJeeehetCe& mebheoe heyebOeve mesJeeDeeW kes Deieues ejCe ceW yeQke keer ieefle
kee mee#eer yevesiee. FmeceW SerSce kes ceeOece mes yeercee veJeerkejCe efheecf eece Jemetueer
leLee ye[ewoe heeeesevf eej kes efueS efveefOe Jemetueer cees[etue kee meceeJesMe nw. en Deehekes
yeQke keer MeeKeeDeeW kees Deheves efveJesMeke ieenkeeW kees mesJeeSb heoeve kejves ceW meneeke
yevesiee. iewj-peerJeve yeercee kes efueS Deehekes yeQke kee eF Dehe meePesoej Yeer meeryeerSme
huesHeece& kes ceeOece mes leLee yeQke kes DeeF&-yeQekE eie heesu& e kes ceeOece mes yeercee SJeb
heeefuemeer kee veJeerkejCe meefee kej Ske Deewj keoce ye{eSiee.
Fme #es$e kes cenlJe kees osKeles ngS Deehekee yeQke efveeb$eke efoMeeefveoxMeeW kes
DeueeJee efvecee&Ce/mesJee #es$e ceW Gve FkeeFeeW hej Yeer GvnW SceSmeSceF& kes
mecelegue ceeveles ngS efJeeej kejlee jne nw, efpevneWves eceMe: hueeb SJeb
ceMeervejer/GhekejCeeW ceW efveJesMe efkeee nw Deewj efpevekee ve&DeesJej . 150
kejes[ leke kee nw. efveeb$eke SceSmeSceF& GeceeW kes Deveghe ner Fme efJemle=le
#es$e hej DeefOeke Oeeve osves kes efueS Ssmee efkeee ieee nw. leLeeefhe Deehekee yeQke
efveeb$eke efjheese\ie kes efueS efveeb$eke heefjYee<eeDeeW Deewj efoMeeefveoxMeeW kee ke[e
Devegheeueve kejlee nw.
efJeeere Je<e& 13 ceW egveeweflehetCe& Deee|Leke heefjJesMe kes yeeJepeto SceSmeSceF& keer
efveeb$eke esCeer kes Debleie&le Deehekes yeQke kee keee&efve<heeove Deleble cepeyetle jne
nw. JeemleJe ceW Fme JeJemeee kees ye{eJee osves kes efueS Deehekes yeQke eje
meceer#eeOeerve Je<e& kes oewjeve Fme #es$e kees ueeiet nesves Jeeueer yeepe ojeW kees
SceSmeSceF& FkeeFeeW keer Dehes#eeDeeW kes Deveghe Deewj DeewefelehetCe& yeveeee
ieee.
en vees efkeee peeS efke Deehekes yeQke ves Fme JeJemeee kes Debleie&le Je<e& kes
heejbYe ceW pees ue#e efveOee&efjle efkeS Les, Gve meYeer kees meHeueleehetJe&ke heehle
efkeee nw.
JeJemeee ceW Je=ef

SceSmeSceF& #es$e ceW kegue yekeeee jeefMe efo. 31 ceee& 2013 kees ` 44,974
kejes[ jner. iele leerve Je<eeX ceW SceSmeSceF& #es$e kes Debleie&le $e+CeeW ceW ngF& Je=ef
efvecveefueefKele leeefuekee ceW oMee&F& ieF& nw:
SceSmeSceF& JeJemeee
Je<e&
efkemeer Yeer osMe kes efJekeeme ceW ceeFees, ueIeg Deewj cePeewues #es$e (SceSmeceSceF&)
kee cenlJe meJe&efJeefoled ner nw.
2010-11
ogve Sb[ yeQ[mêr efjmee& (2012), kes Devegmeej Yeejle ceW SceSmeSceF& #es$e,
GeceeW kes Deekeej, GlheeoeW SJeb mesJeeDeeW kes JewefJeOe Deewj heeweesefiekeer kes mlejeW
keer eq mes Deleble JewefJeOehetCe& nw. en #es$e ye[s GeesieeW keer leguevee ceW kece
hetbpeer ueeiele hej jespeieejeW kes DeJemej GheueyOe kejelee nw, yeequke ieeceerCe SJeb
efhe[s #es$eeW ceW DeeweesefiekeerkejCe ceW meneeke yevelee nw, #es$eere Demeblegueve kees
Ieelee nw Deewj jeêre Deee SJeb mebheoe kee DeefOeke meblegefuele efJelejCe
megefveeqele kejlee nw. SceSmeSceF& ye[s GeesieeW keer Deveg<ebieer FkeeFeeW kes he
ceW meneesie kejlee nw Deewj osMe kes Deee|Leke-meeceeefpeke efJekeeme ceW GuuesKeveere
eesieoeve oslee nw.
yeQke Dee@He ye[ewoe ves ces. HeerDeepeerDees Jnerkeume hee. efue. kes meeLe mecePeewlee kejej efkeee.
32
Je=ef (% Je<e& oj Je<e&)

29.63%
2011-12
26.11%
2012-13
30.31%
efJeeere Je<e& 2013 kes oewjeve hecegKe GheueeqyOeeeb
ceee& 2013 keer meceeeqhle hej SmeSceF& Deefiece ` 44,974 kejes[ Lee, pees
efke Je<e& oj Je<e& DeeOeej hej ` 10,462 kejes[ (30.31%) keer Je=ef
oMee&lee nw.
efJeeere Je<e& 2013 ceW SceSmeSceF& meskej kees ` 28,047 kejes[ kes kegue
$e+Ce ceW ceeFeesmee@He GeceeWkees Deefiece 62.1% DeLee&led ` 17,409/kejes[ Lee. Fme hekeej Yeejleere efjpeJe& yeQke eje efveOee&efjle DeefveJeee&
ue#e kees Deemeerveer mes heej kej efueee ieee.
31 ceee& 2013 kees Deehekes yeQke kes mekeue Iejsuet $e+Ce ceW SmeSceF&
DeefieceeW ves 19.7% kee DebMeoeve efkeee.
met#ce SJeb ueIeg GeceeW kees efoS ieS Deefiece Yeejle mejkeej eje ceee& Deble
leke kes efoS ieS ue#e ` 33650 kejes[ keer leguevee ceW ` 38227 kejes[
leke hengbe ieS.
ueesve Hewkejer cee@[ue keer meHeuelee kees Oeeve ceW jKeles ngS Deehekes yeQke
ves efJeeere Je<e&-13 kes oewjeve : veF& SmeSceF& ueesve Heweqkeêeb KeesueeR.
Deheves SceSmeSceF& JeJemeee kees Deewj ye{eves nsleg Deehekes yeQke efJeeere
Je<e& 13 kes oewjeve 'SceSmeSceF& kewheskeme ueesve SJeb kewheskeme kee[&' veeceke
veee Glheeo DeejbYe efkeee.

Je<e& 2013 kes oewjeve SceSmeSceF& efJeeHees<eCe mebyeOeer HenueW
1. Deehekes yeQke ves Je<e& kes oewjeve 5 veS SmeSceF& $e+Ce Hewkeêr FvhemLe (veF&
efouueer), DeeCebo, Yeesheeue, petveeie{ Deewj peeuebOej ceW Keesueer ieF&, efpevnW
efceuee kej osMe Yej ceW kegue 52 SmeSceF& $e+Ce Hewkeêr nes ieF&. 'ueesve
Heweqke^]pe' cee@[ue en iegCeJeeeege $e+Ce cetueebkeve, ve&-DejeGb[ mecee
Ieeves SJeb cee$ee kees ye{evee megefveeqele kejves Deewj Gmekes eje Deehekes
yeQke kes efueS Deheves SceSmeSceF& $e+CeeW keer iegCeJeee kees kece ve nesves osles
ngS GmeS ye{evee mebYeJe yeveeves kes efueS Deehekes yeQke eje heejbYe keer ieF&
Ske cenlJehetCe& mebkeuhevee nw.
2. Deehekes yeQke ves efJeeere Je<e& 2014 kes efueS efJeefJeOe MeeKeeDeeW ceW SmeSceF&
ueesve Hewkejer, efJeMes<eerke=le SmeSceF& MeeKeeDeeW SJeb SceSmeSceF& ke#eeW kees
mLeeefhele kejves keer eespevee yeveeF& nw.
3. Deehekes yeQke ves efJeeere Je<e& 2013 kes oewjeve SceSmeSceF& efJeehees<eCe ceW
Deheveer yeeb[ Fcespe kees mLeeefhele kejves kes efueS efJeefJeOe mesefceveejeW Deewj
heoMe&veeW ceW meefee he mes Yeeie efueee.
4. Deehekes yeQke ves heefjJee|Oele heefle-efyeeer, mLeeveere yew"keeW SJeb ^s[ efvekeeeeW
kees menYeeieer yeveeves kes ceeOece mes meceie ieenke mebyebOe heehle kejves kes
efueS jeêre SJeb jepe mlej hej peeiekelee keee&ece Deeeesefpele
efkeee.
5. Deehekes yeQke ves Ssmeer heCeeueer kee heejbYe efkeee nw, efpemeceW ceeefmeke
DeeOeej hej meYeer SmeSceF& $e+Ce Hewkeêr kees Gvekes keee&efve<heeove kes
Devegmeej esCeerece efoee peelee nw leLee meefee keewMeue efvecee&Ce SJeb
heeslmeenve kes Gheee kes he ceW Jeee|<eke/DeOe& Jeee|<eke DeeOeej hej es
heoMe&ve kejves Jeeueer SmeSceF& $e+Ce Hewkeêr kees mecceeefvele/yeOeeF&/
hegjmke=le efkeee peelee nw.
6. Deehekes yeQke ves SmeSceF& $e+Ce Hewkeêr mes mecye heesmeseEmeie/ceekexeEie
DeefOekeeefjeeW kes ueieeleej %eeve JeOe&ve SJeb keewMeue efvecee&Ce nsleg kece&eejer
ceneefJeeeuee/heefMe#eCe kesveW ceW efJeMes<e keesme&/yeenjer heefMe#eCe Yeer
Deeeesefpele efkeS nQ.
7. Deehekes yeQke keer SmeSceF& kees Deeke<e&ke cetue mebkeuHevee hemleeJe kes meeLe
'mQ[ yeee ceereeoer $e+Ce SJeb keee&Meerue hetbpeer meercee' veeceke Ske veee
Glheeo heejbYe kejves keer eespevee nw.
8. Deehekes yeQke ves SceSmeSceF& $e+Cekelee&DeeW kes efueS Dee@ve ueeFve $e+Ce DeeJesove
keer JeJemLee SJeb hemleeJeeW kes ^weEkeie keer megefJeOee Yeer heejbYe keer nw.
9. Deehekes yeQke ves efJeeere Je<e& 13 kes oewjeve meceie Yeejle ceW efJeefJeOe #es$eeW/
GeesieeW mes mebye #es$e efJeMes<e mes mebyebefOele keF& eespeveeDeeW kees veJeerke=le
efkeee nw.
10. Deehekes yeQke ves veee JeJemeee kewvJeeme kejves nsleg heeemeeW kees ogiegvee
kejves kes GsMe mes SmeSceF& ueesve Heweqke^]pe SJeb MeeKeeDeeW kes meHe
meomeeW kees heeslmeeefnle kejves kes efueS peveJejer mes ceee& 2013 kes oewjeve
SceSmeSceF& ceneslmeJe kee Deeeespeve efkeee.
11. Deehekes yeQke ves jseEie, efJeeere MeleeX leLee yewueWmeMeer DevegheeleeW Deeefo kes
yeejs ceW mebye %eeve GheueyOe kejeves kes GsMe mes ogve Sb[ yew[mêr kes
meeLe mebege he mes Deueerie{ SJeb jeehegj ceW SmeSceF& $e+Cekelee&DeeW keer
yew"ke kee Deeeespeve efkeee.
2012-13
meceer#eeOeerve Je<e& kes oewjeve yesnlej JeJemeee mebYeeJeveeDeeW kes meeLe meceeve
ieefleefJeefOeeeW mes peg[er FkeeFeeW kes keuemj mes mebye keg hee@keseW kes efueS
efJekeefmele keer ieF& #es$e-efJeMes<e-eespeveeDeeW ves meblees<epeveke heefjCeece heehle
efkeS. keuemj [sJeueheceW DeieCeer MeeKeeDeeWkes meeLe Yeer efkeee ieee. Yeejle
mejkeej eje metefele keee&eceeW, efJeMes<e he mes yegvekej esef[ kee[& leLee
heOeeveceb$eer jespeieej efvecee&Ce keee&ece (heerSceF&peerheer) hej efJeeere Je<e& 13 kes
oewjeve Oeeve keseqvle efkeee ieee.
heeqece Yeejle ceW SceSmeSceF& $e+CeeW ceW Deehekes yeQke kes keee&efve<heeove kees
osKeles ngS neuener ceW veeer efouueer ceW je^heefle cenesoe kes neLeeW mes Deehekes
yeQke kees DeJee[& heehle ngDee nw.
ieeceerCe SJeb ke=ef<e $e+Ce

Deehekee yeQke meeceeveleee heLeefcekeleeheehle #es$e ceW Deewj efJeMes<e he mes ke=ef<e
$e+CeeW ceW ncesMee DeieCeer jne nw. en Deheveer 1,436 ieeceerCe MeeKeeDeeW leLee
1,162 DeOe&-Menjer MeeKeeDeeW kes efJeMeeue vesJeke& kes ceeOece mes ieeceerCe yee]
peej keer mebYeeJeveeDeeW kee oesnve kejlee jne nw.
efJeeere Je<e& 13 kes oewjeve Yeer Deehekes yeQke ves veeer 291 ieeceerCe Deewj DeOe&Menjer MeeKeeSb KeesueeR
Deehekes yeQke kees Gej heosMe Deewj jepemLeeve jepeeW ceW jepe mlejere yeQkeme&
meefceefle (SmeSueyeermeer) kes mebeespeke nesves kee ieewjJe heehle nw. Deehekes yeQke kes
heeme iegpejele (12), jepemLeeve (12), Gej heosMe (15), Gejebeue (2).
ceOe heosMe (2) SJeb efyenej (2) jepeeW ceW 45 efpeueeW ceW DeieCeer yeQke kee
oeefelJe nw.
Deehekes yeQke ves leerve jepeeW ceW 1,526 MeeKeeDeeW kes vesJeke& Deewj ceee& Deble
leke ` 29,282.38 kejes[ kes kegue JeJemeee kes meeLe leerve #es$eere ieeceerCe
yeQke (DeejDeejyeer) heeeesefpele keer nQ.
efJeleere Je<e& 13 ceW heeLeefcekelee heehle #es$e $e+CeeW ceW keee&efve<heeove

Deehekes yeQke kes heeLeefcekelee heehle Deefiece ceee& 2012 kes Deble ceW ` 68,527
kejes[ mes ye{ kej ceee& 2013 kes Deble ceW ` 80,004 kejes[ nes ieS pees
meceeeesefpele yeQke $e+Ce (SSveyeermeer) kee 39.31% nw, peye efke DeefveJeee& ue#e
40% kee nw. ue#e hetje kejves ceW ngF& en keceer heeLeefcekelee heehle #es$e mes
mebye efveeb$eke heefjYee<eeDeeW ceW heefjJele&ve/mebMeesOeve kes keejCe nw.
yeQke Dee@He ye[ewoe ves Yeejleere efjpeJe& yeQke eje peejer efkeS ieS mebMeesefOele `heeLeefcekelee heehle
#es$e JeieeakejCe efoMeeefveoxMeeW' hej peehegj ceW Ske efJeMes<e keee&Meeuee kee Deeeespeve efkeee.
33
2012-13
ke=ef<e Deefiece
Deehekes yeQke kes hele#e ke=ef<e Deefiece ` 2,220 kejes[ keer meceie Je=ef Deewj
iele Je<e& keer leguevee ceW 10.9%` keer ye{le kes meeLe ` 22,645 kejes[ nes
ieS. Deehekes yeQke kes kegue ke=ef<e Deefiece 0.02% keer Heuew Je=ef (Je<e&-oj-Je<e&)
kes meeLe ceee& 2013 kes Deble ceW ` 28,739 kes mlej hej hengbes. pewmee efke
hetJe& ceW yeleeee ieee nw en heeLeefcekelee heehle #es$e kes mebyebOe ceW Yeejleere
efj]peJe& yeQke eje peejer efkeS ieS Deewj efo. 20.07.2012 mes heYeeJeer mebMeesefOele
efoMeeefveoxMeeW kes keejCe ngDee. Deehekes yeQke kes hele#e ke=ef<e Deefiece ceee& 2013
kes Deble ceW meceeeesefpele Meg yeQke $e+Ce kes 11.13% jns, peye efke DeefveJeee&
ue#e 13.5% kee nw. kegue ke=ef<e Deefiece ceee& 2013 kes Deble ceW meceeeesefpele
Meg yeQke $e+Ce kes 14.12% jns, peye efke DeefveJeee& ue#e 18% kee nw.
Deehekes yeQke ves ke=<ekeeW kees$e+Ce heoeve kejves nsleg Deheves ke=ef<e $e+Ce Glheeo
ye[ewoe efkemeeve esef[ kee[& kes lenled efJeeere Je<e& 2013 kes oewjeve 2,74,665
kee[& peejer efkeS. Deehekes yeQke ves ke=<eke mecegoee keer megefJeOee kes efueS Je<e& kes
oewjeve SerSce ceW meefee 'ye[ewoe efkemeeve hee kee[& Yeer heejbYe efkeee.
efJeeere Je<e& 13 kes oewjeve Deehekes yeQke ves ueieYeie 3,32,141 vees ke=<ekeeW kees
$e+Ce heoeve efkees. Deheves ceeFees efJeehees<eCe kes veJeesvces<eer GheeeeW kes Ske Yeeie
kes he ceW Deehekes yeQke ves 10,912 mJeeb meneelee mecetneW efJeeere Je<e& 2013
kes oewjeve ` 198.45 kejes[ keer jeefMe heoeve keer, efpemekes HeuemJehe mJeeb
meneelee mecetn $e+Ce menyelee keer kegue mebKee 1,65,328 SJeb jeefMe
` 1,369.97 kejes[ nes ieF&.
JeJemeee SJeb meeceeefpeke henueW

Deehekes yeQke ves efJeeere Je<e& 2013 kes oewjeve ieeceerCe Deewj ke=ef<e $e+CeeW nsleg
GheueyOe DeJemejeW kee ueeYe G"eves kes heeespeve mes Deveske veJeesvces<eer henueeW keer
MegDeele keer. FveceW mes keg efvecveevegmeej nQ:
ke=ef<e DeefieceeW kees ye{eves kes efueS Deehekes yeQke ves efJeMes<e DeefYeeeve DeLee&led
Hemeueer $e+CeeW kes efueS KejerHe SJeb jyeer DeefYeeeve eueeS, efpeveceW eceMe:
` 5,284 SJeb 2,262 kejes[ mebefJeleefjle efkeS ieS. efveJesMe $e+CeeW kes efueS
Yeer Ske Deewj DeefYeeeve eueeee ieee, efpemekes Debleie&le ` 1,096 kejes[
kee mebefJelejCe efkeee ieee.
Deehekes yeQke ves 4,245 ieece mlejere $e+Ce efMeefJej Deeeesefpele efkeS Deewj
efJeeere Je<e& 2013 kes oewjeve 2,06,375 $e+Cekelee&DeeW kees ` 2,922
kejes[ mebefJeleefjle efkeS ieS.
Deehekes yeQke ves hetjs osMe ceW 450 Lem MeeKeeDeeW kee eeve efkeee nw,
efpemekee GsMe ke=ef<e $e+CeeW kees ye{evee nw. Fve MeeKeeDeeW eje ceee&
2013 kes Deble leke heoe kegue ke=ef<e Deefiece kee efnmmee 36.0% nw.
ceW mecee hej $e+Ce megueYe nes mekes Fme GsMe mes Dee@escess[ ueesve
heesmeseEmeie efmemce kee heejbYe efkeee nw.
ieeceerCe efJekeeme mebyebOeer mebmeoere mLeeeer meefceefle kee Goehegj oewje
ye[ewoe ieeceerCe hejeceMe& kesv (yeerpeerheerkes)

en Yeer Deehekes yeQke kes veJeesvces<eer heeemeeW ceW mes Ske nw, efpemekes ceeOece mes
yeQke ieeceerCe mecegoee kees $e+Ce kes mebyebOe ceW meueen, efJeeere efMe#ee leLee Deve
mesJeeSb, pewmes efke ke=ef<e GlheeoeW keer Jew%eeefveke {bie mes Kesleer, keerceleeW Fleeefo
kes yeejs ceW peevekeejer heoeve kejlee nw. efJeeere Je<e& 2013 kes Deble leke Deehekee
yeQke 52 #es$eere ieeceerCe hejeceMe& kesv Keesue egkee nw.
Fmekes Deefleefje efJeeere Je<e& 2013 kes oewjeve Ske Deewj ye[ewoe mJejespeieej
efJekeeme mebmLeeve, ye[ewoe Deej-meser Keesuee ieee. Fmekes meeLe ner, ye[ewoe
mJejespeieej efJekeeme mebmLeeve, ye[ewoe Deej-meser keer mebKee 47 nes ieF&. Fme
hekeej Deye Yeejle mejkeej kes efoMeeefveoxMeeW kes Deveghe Deehekes yeQke kes heleske
DeieCeer efpeues ceW Ske Deej-meser GheueyOe nw. Depecesj eqmLeled ye[ewoe mJejespeieej
efJekeeme mebmLeeve, hetCe&leee ceefnueeDeeW kes efueS nw yeerSmeJeerSme cetuele: Ssmes mebmLeeve
nQ, efpevekee heeespeve mJejespeieej Gece Meg kejves kes efueS egJeeDeeW kees heeMf eef#ele
kejvee Deewj Dehese#f ele keewMeue kes mebyebOe ceW %eeve heoeve kejvee nw. efJeleere Je<e&
2013 kes oewjeve ueieYeie 42,601 egJee ueeYeee|LeeeW kees heeMf eef#ele efkeee ieee,
FveceW mes 27,891 egJeeDeeWves mJejespeieej Gece mLeeefhele efkeS. Fve keWesb eje
eefMeef#ele 1,64,899 ueeYeeefLe&eeW ceW mes 1,02,996 ves DeHeves mJejespeieej Gece
DeejbYe kej efoS nQ.
efJeeere mee#ejlee leLee $e+Ce hejeceMe& kesv (SHeSuemeermeer) - "meejLeer"
Deehekes yeQke ves mLeeveere DeeJeMekeleeDeeW kes Deveghe, efJeMes<ele: kee@u[

mesjspe, hee@uêr Heece&, HeerMejer Fleeefo pewmeer ieefleefJeefOeeeW kes efueS
efJeMes<e eespeveeSb yeveeF& nQ. Fve eespeveeDeeW kes lenled yeepe oj, heYeej
Deeefo ceW efJeMes<e t heoeve keer ieF& nw, leeefke DeefOekelece JeJemeee heehle
efkeee pee mekes.
Yeejleere efj]peJe& yeQke eje efoMee-efveoxMeeW kes DeeOeej hej, yeQke ves 45
SHeSuemeermeer, efpevnW "meejLeer" veece efoee ieee nw, pejlecebo ueesieeW kees
efJeeere mee#ejlee leLee $e+Ce hejeceMe& megefJeOeeSb heoeve kejves kes efueS mLeeefhele
efkees leeefke Jes yeQeEkeie heCeeueer mes yeQeEkeie megefJeOeeDeeW kee ueeYe G"e mekeW Deewj
meeLe ner $e+Ce kes yeesPe leues Deees efJeeere mebke ceW petPeles ueesieeW kees hejeceMe&
megefJeOeeSb heoeve keer pee mekes.
Deehekes yeQke ves ke=ef<e #es$e kes Debleie&le $e+Ce hemleeJeeW keer heefeee ceW
MeeKeeDeeW keer #eceleeSb ye{eves SJeb Gmekes eje ke=<ekeeW kees heee&hle cee$ee
yeQke ves Deheves yeerSmeJeerSme ^m kes lenled Fve kesveW kees Keesuee nw. FveceW
efveMeguke hejeceMe& mesJeeSb mebyeefOele ueesieeW kees oer pee jner nQ. Deehekes yeQke ves
34

Je<e& 2013 kes oewjeve 6 vees SHeSuemeermeer Keesues efpevnW efceueekej ceee& 2013
kes Deble leke SHeSuemeermeer kegue mebKee 45 nes ieeer nw. Fme hekeej Deye
Deehekes yeQke kes meYeer DeieCeer efpeueeW ceW SHeSuemeermeer kesv GheueyOe nQ.
JeJemeee megueYekelee& cee@[ue

en cee@[ue efJeeere meceeJesMeve keer heefeee kees lespe kejves Deewj yeQke kes ke=ef<e
$e+Ce ceW ye{eslejer kes efueS hetjs osMeYej ceW efeeeeqvJele efkeee ieee nw. JeJemeee
megueYekelee&, Deehekes yeQke kes efueS $e+Ce DeeJesovehe$e kewveJeeme kejWies Deewj
Fmekes efueS yeQke GvnW cesnveleeves kee Yegieleeve kejsiee. mesJee efveJe=e yeQkejes leLee
mejkeejer kece&eeefjeeW, SvepeerDees, ke=<eke-keueye leLee mJeeb meneelee mecetneW
mes peg[s JeefeeeW kees SpesveW kes he ceW ueieeee peelee nw leeefke ieeceerCe leLee
DeOe&Menjer #es$eeW ceW yeQke keer hengbe ye{ mekes.
2012-13
heefleyelee kes he ceW ner veneR, yeequke ieeceerCe Yeejle kee meceie Deee|Leke
efJekeeme kejves Jeeues Ske meeOeve kes he ceW osKee pee jne nw leeefke metevee
Deewj mebeej heeweesefiekeer (DeeF&meerer) DeeOeeefjle ef[ueerJejer ewveueeW kes ceeOece
mes Yeejleere DeLe& JeJemLee DeeOeeefjke mlej hej GheueyOe DeJemejeW kee ueeYe
G"eee pee mekes.
Deehekes yeQke keer efJeeere meceeJesMeve eespevee kee GsMe meceepe kes Gme Jeie&,
pees Fmemes Jebefele nw kees yengle ner kece ueeiele hej yeQeEkeie mesJeeSb GheueyOe
kejevee Deewj Fmekes eje yeQeEkeie efJenerve pevemebKee/ #es$e leke Deewheeeefjke
yeQefkeie mesJee hengbeevee nw.
ceeFees ueesve Hewkejer

Deehekes yeQke ves Gej heosMe ceW jeeyejsueer leLee meguleevehegj ceW ceeFees ueesve
Heskejer Keesueer nw. ceeFees Heeeveebme ueesve Hewkejer kes heeme ceesyeeFue Jewve nw
efpemeceW mJeeb meneelee mecetn efJee hees<eCe mebyebOeer mecemle msMevejer /
omleeJespe SJeb Deve megefJeOeeSb GheueyOe nQ. FmeceW Ssmes DeefOekeejer nesles nQ, pees
mJeeb meneelee mecetneW kes eLeemLeeve leLee Gvekes heeme peekej GvnW ` 25,000
leke kes $e+Ce mJeerke=le SJeb efJeleefjle kejves kes efueS DeefOeke=le nw :
yeQke eje heeeesefpele #es$eere ieeceerCe yeQkeeW kee keee&efve<heeove

Je<e& kes oewjeve Deheves oes DeejDeejyeer kes mebefJeueeve kes yeeo yeQke eje heeeesefpele
DeejDeejyeer keer mebKee Ie kej leerve nes ieF&.
ye[ewoe Gej heosMe ieeceerCe yeQke, heOeeve keeee&uee, jeeyejsueer
ye[ewoe jepemLeeve ieeceerCe yeQke, heOeeve keeee&uee, Depecesj
ye[ewoe iegpejele ieeceerCe yeQke, heOeeve keeee&uee, Yee
meceer#eeOeerve Je<e& kes oewjeve Deve yeQke kes oes DeejDeejyeer kee Yeer nceejs ye[ewoe
jepemLeeve DeejDeejyeer kes meeLe mebefJeueeve nes ieee. mebefJeueeve kes yeeo Fve
leerveeW #es$eere ieeceerCe yeQkeeW kee kegue JeJemeee ceee& 2012 kes Deble kes
26,257.43 kejes[ hees mes ye{kej ceee& 2013 kes Deble ceW 29,284.23
kejes[ hees nes ieee. Fme hekeej Fmeces 11.53% keer Je<e&-oj-Je<e& Je=ef ope&
ngF&.
Fve leerveeW #es$eere ieeceerCe yeQkeeW ves Je<e& 2013 kes oewjeve 97.06 kejes[ hees
kee Meg ueeYe Dee|pele efkeee peyeefke Je<e& 2012 kes oewjeve 148.22 kejes[
hees kee Meg ueeYe Dee|pele efkeee Lee.
ceeveveere kesvere efJeeceb$eer eer heer. efeobyejce eje Gej heosMe ceW Ske meeLe 300 veeer
yeQke MeeKeeDeeW kee MegYeejbYe Gej heosMe kes ceeveveere cegKeceb$eer eer DeefKeuesMe eeoJe,
efJee ceb$eeuee SJeb jepe mejkeej kes ceb$eer SJeb Jeefj DeefOekeeefjeeW, efJeefYeVe yeQkeeW kes
DeOe#e SJeb heyebOe efveosMekeeW Je Deve Jeefj DeefOekeeefjeeW keer GheeqmLeefle ceW efkeee ieee.
DeheveeF& pee jner keee&veerefleeeb SJeb cee@[ue

efJee ceb$eeuee veW hetjs Yeejle ceW yeQeEkeie megefJeOee efJenerve #es$e kes he ceW ueieYeie
6 ueeKe ieebJeeW keer heneeve keer nw. Fve ieebJeeW kees mesJee #es$e kes Debleie&le Deeves
Jeeues efJeefYeVe yeQkeeW kees DeeJebefle efkeee ieee nw. Deehekes yeQke kes heeme efoveebke
31/03/2013 kees Fmekes mesJee #es$e kes Debleie&le Deeves Jeeues 21,526 ieebJe nw.
efJee ceb$eeuee Deewj Yeejleere efj]peJe& yeQke veW yeQkeeW kees Fve ieebJeeW kees vetvelece
ueeiele hej yeQeEkeie mesJee GheueyOe kejeves kes efueS metefele efkeee nw. leovegmeej
Deehekes yeQke ves Ske eespevee mJeerke=le keer nw, pees FvnW leerve Je<eex keer DeJeefOe
DeLee&le 2013-2016 ceW yeQeEkeie mesJee GheueyOe kejekej Fve 21,526 mesJee #es$e
ieebJeeW kees keJej kejves kes efueS ieebJe mlej hej Deueie Deueie nesieer.
Fve meYeer #es$eere ieeceerCe yeQkeeW keer meceie "Meg ceeefueele" ceee& 2012 kes Deble
kes 1,018.44 kejes[ hees mes ye{kej ceee& 2013 kes Deble ces 1,234.42
kejes[ nes ieF& Deewj "Deejef#ele efveefOeeeb leLee DeefOeMes<e" ceee& 2012 kes Deble
kes 726.55 kejes[ hees mes ye{kej ceee& 2013 kes Deble ceW 777.52 kejes[
hees nes ieee.
efJeeere meceeJesMeve kes efueS Deehekes yeQke ves efvecveefueefKele leerve JeJemeee cee@
[ue DeheveeS nQ.
efJeeere meceeJesMeve (SHeDeeF&) kes efueS yeQke kes heefleye heeeme
3. efJeeere meceeJesMeve ieebJeeW ceW efyeke SJeb ceese&j MeeKeeSb
Deehekes yeQke ceW efJeeere meceeJesMeve (SHeDeeF&) kees kesJeue Ske meeceeefpeke
Deehekes yeQke veW 1,436 efyeke SJeb ceese&j ieeceerCe MeeKeeDeeW kes vesJeke& kes
ceeOece mes 4,959 ieebJeeW kees, yeermeer cee@[ue kes ceeOece mes 3,474 ieebJeeW kees
1. DeeF&meerer DeeOeeefjle JeJemeee heefleefveefOe cee@[ue

2. ceesyeeFue Jewve cee@[ue
35
2012-13
Deewj ceesyeeFue Jewve kes ceeOece mes 49 ieebJeeW kees keJej efkeee nw.
yew"ke kejvee Fleeefo kes efueS meYeer DeeJesoveeW kees hetje kejles nQ.
Deehekes yeQke veW efJeeere Je<e& 2013 kes oewjeve yeQeEkeie megefJeOee efJenerve ieebJeeW ceW
151 efyekeer SJeb ceese&j MeeKeeSb Keesueer nQ.
Deehekes yeQke keer en henue efJeeere mee#ejlee ceW heieefle Deewj ieece mlej hej
DeelceefJeeeme hewoe kejleer nw, pees Deblele: Deehekes yeQke keer efJeeere meceeJesMeve
DeefYeeeve nsleg heeflemeeo ceW Je=ef kejsieer.
DeeF&meerer DeeOeeefjle JeJemeee heefleefveefOe (yeermeer) cee@[ue

en megefveeqele kejves kes efueS efke efJeeere meceeJesMeve kee efeeevJeeve
yengle ner heYeeJeMeeueer lejerkes mes nes jne nw Deewj meeryeerSme ceW hetjer lejn
mes mebkeefuele nw, Deehekes yeQke ves Meg mes Deble leke hetCe& meceeOeeve nsleg,
DeLee&le ieeceerCeeW kes veebceekeve mes ueskej Gvekees mcee& kee[& peejer kejves
leke, oes mesJee heoeleeDeeW kees efveege efkeee nw. Fmekee GsMe meYeer ieebJeeW
keer onueerpe hej lekeveerkeer-DeeOeeefjle yeQeEkeie uesveosve hengbeevee nw.
DeeF&meerer DeeOeeefjle JeJemeee heefleefveefOe cee@[ue yeeeescesef^ke mcee& kee[&
DeeOeeefjle lekeveerkeer kes meeLe ShueerkesMeve mesJee heoelee (SSmeheer) cee@[ue
hej DeeOeeefjle nw. Fme heefle kes Debleie&le, JeJemeee heefleefveefOe ieenkeeW
kee veeceebkeve kejves Deewj uesveosve heesmeseEmeie kes efueS hJeeFb Dee@He mee|Jeme
(heerDeesSme) ef[JeeFme kes meeLe ieebJeeW ceW peeles nQ. es heerDeesSme ef[JeeFme
peerheerDeejSme lekeveerkeer eje meerOes yeQke kes meeryeerSme kes meeLe peg[s nQ.
ceesyeeFue Jewve cee@[ue
efJeeere meceeJesMeve kes efeeevJeeve nsleg Deheveeee ieee otmeje JeJemeee
cee@[ue ceesyeeFue Jewve cee@[ue nw. Fme cee@[ue ceW efJeeceeve MeeKee kes mesJee
#es$e ceW Deeves Jeeues ieebJeeW ceW ceesyeeFue Jewve peeleer nw. mehleen ceW efveOee&efjle
efoveeW kes oewjeve yeQeEkeie mesJee heoeve kejves kes efueS meHe meefnle Jewve
efveOee&efjle ieebJeeW kee oewje kejleer nw.
es ceesyeeFue Jewve kebhetj ne[&Jesej mes megmeeqppele nQ Deewj ieenkeeW kees
legjble ceesyeeFue Jewve kes ceeOece mes Gmekes Keeles kees mebeeefuele kejves ceW
meceLe& kejves kes efueS meerOes yeQke kes meeryeerSme kes meeLe peg[er ngF& nQ.
Keelee Keesueves keer heefeee Deewj Keeles ceW uesveosveeW meefnle Deve
ieefleefJeefOeeeb ceesyeeFue yeQke ceW Gmeer lejn keer pee mekeleer nQ pewmes Ske
meeceeve MeeKee ceW keer peeleer nQ.
Deehekes yeQke ves Fmes Deeyebefle 49 efJeeere meceeJesMeve ieeJeeW kees keJej
kejves kes efueS iegpejele, Gej heosMe, efyenej Deewj ieesDee jepeeW ceW
Jele&ceeve ceW heebe ceesyeeFue Jewve ueieeF& nQ. Deehekes yeQke keer ceesyeeFue JewveeW
kees efJeeere meceeJesMeve ieenkeeW mes Dee heeflemeeo efceuee nw. es Jewve
yeenjer mJehe ceW ieeceerCe pevemecetn kees yeQke keer efJeefYeVe pecee/ $e+Ce
eespeveeDeeW kes yeejs ceW peevekeejer osves kes Fjeos mes megmeeqppele keer ieF& nQ.
ueIeg yeQeEkeie MeeKeeSb (etSmeyeer)

efJee ceb$eeuee, Yeejle mejkeej kes efoMeeefveoxMeeW kes Devegmeej Deehekes yeQke ves
31 ceee& 2013 leke hetjs osMe ceW 2,000 mes DeefOeke Deeyeeoer Jeeues ieebJeeW ceW
2,695 ueIeg yeQeEkeie MeeKeeSb Keesueer nQ pees JeJemeee heefleefveefOe cee@[ue kes
ceeOece mes keJej keer pee jner nQ. eEueke MeeKeeDeeW mes Deehekes yeQke kes DeefOekeejer
hetJe& efveOee&efjle leejerKe Deewj mecee hej etSmeyeer kee oewje kejles nw. Jes ieeceerCeeW
kees efJeefYeVe yeQeEkeie GlheeoeW keer metevee osves kes Deefleefje Keelee Keesueves, $e+Ce
DevegjesOe, efMekeeeleeW kee meceeOeeve, efJeeere mee#ejlee hej ieeceerCeeW keer meeLe
36
yeQke Dee@He ye[ewoe ves JeejeCemeer ceW efJeMeeue $e+Ce efMeefJej kee Deeeespeve SJeb 1001 ueIeg
yeQeEkeie MeeKeeDeeW kee MegYeejbYe efkeee
efJeeere mee#ejlee meHeueleehetJe&ke meceeJesMeve kes efueS hecegKe Gheee

efJeeere meceeJesMeve kee Jeebefle GsMe kesJeue leYeer heehle efkeee pee mekelee nw
peye yeQke ieebJeeW mes mener heefleefeee heehle kejves ceW meceLe& nes. ieeceerCeeW mes
heefleefeee uesves kes GsMe mes, yeQke kees Gvns efJeefYeVe yeQeEkeie megefJeOeeDeeW Deewj
Fvekes ueeYe keer peevekeejer osves keer DeeJeMekelee nw. otmejs MeyoeW ceW, efJeeere
mee#ejlee efkemeer yeQke keer efJeeere meceeJesMeve henue keer meHeuelee kes efueS
keejke nesieer. FmeefueS efJeeere meceeJesMeve kes meYeer IekeeW kees heleske otmejs
kes meeLe Ske yeeb[ efJekeefmele kejves keer DeeJeMekelee nw pees kesJeue yeQeEkeie mesJee
heoeve kejves kes efueS ner vener, yeequke peneb Yeer keesF& yeQke efJeeere meceeJesMeve
keee&ece kee efeeevJeeve kej jne nw, efJeeere mee#ejlee kes ceeOece mes
pevemebKee kes yeere yeQeEkeie Deewj yeQeEkeie GlheeoeW keer ye[er peeiekelee hewoe
kejsieer.
Deehekes yeQke ves osMe kes ieeceerCe efnmmes ceW efJeeere mee#ejlee keer efoMee ceW
efvecveefueefKele cegKe henueW keer nw.
1. ieeceerCe Deewj DeOe&-Menjer #es$eeW ceW yesjespeieej egJeeDeeW kees mJeeb efveeesefpele
yeveves ceW meceLe& kejves kes GsMe mes JeJemeeefeke heefMe#eCe heoeve kejves
kes efueS ueieYeie 47 ye[ewoe mJejespeieej efJekeeme mebmLeeve (ye[ewoe
DeejSmeF&erDeeF&) mLeeefhele efkeS nw Deewj 5,505 heefMe#eCe keee&ece
Deeeesefpele efkeS nQ leLee 1,64,742 egJeeDeeW kees heefMeef#ele efkeee nw
efpeveceW mes ceee& 2013 kees 62.20% kes mesueceW Devegheele kes meeLe
1,02,477 mJeeb efveeesefpele nQ.
2. hetjs osMe ceW ueieYeie 45 efJeeere mee#ejlee SJeb $e+Ce hejeceMe& kesv
(SHeSuemeermeer) ``meejLeer'' efeeeMeerue nQ. Fve efJeeere mee#ejlee SJeb
$e+Ce hejeceMe& kesveW kes heejbYe mes kegue 46,860 JeefeeeW ves Fve kesveW
kes oewjs efkeS nQ Deewj 33,050 hekejCeeW ceW, ceeceues ceee& 2013 keer
meceeeqhle leke meguePeeS ieS nQ.
2012-13
3. ueieYeie 52 ye[ewoe ieeceerCe hejeceMe& kesv ieeceerCe #es$eeW ceW cetueJee|le

mesJeeDeeW Deewj efJekeeme ieefleefJeefOeeeW nsleg efJeeere efMe#ee, $e+Ce hejeceMe&,
lekeveerkeer ceeceueeW hej metevee meebPee kejves SJeb hejsMeeveer nue kejves,
Deve mebie"vees kes meeLe mebeespeve SJeb mebheke& keer megefJeOee os jns nQ.
nsleg yeveeee ieee nw. en Keelee efyevee keesF& jeefMe pecee efkeS Keesuee pee
mekelee nw Fme hej keesF& ob[ vener ueielee Deewj JeJemeee heefleefveefOe, MeeKee SJeb
SerSce kes ceeOece mes Keesuee/ mebeeefuele efkeee peeSiee.
4. SmeSepeer yeQke eEuekespe keee&ece kes Debleie&le SmeSepeer kees Gvekeer

onueerpe hej $e+Ce SJeb yeQeEkeie megefJeOee GheueyOe kejeves, DeefOekelece eej
efove ceW hejsMeeveer cege Deewj MeerIe $e+Ce ef[ueerJejer megefveeqele kejves SJeb
SmeSepeer kees hejsMeeveer cege $e+Ce osves kes GsMee mes ceesyeeFue ceeFees
HeeFveWme ueesve Hewkeêr mLeeefhele keer ieF& nQ.
en Ske ceveer yewke Deej[er megefJeOee nw pees eueefveefOe heoeve kejves kes efueS
efJeeere meceeJesMeve Keelee Oeejke nsleg eLeeJeled yeveeF& ieF& nw. en Glheeo ceveer
yewke megefJeOee oslee nw, : ceen keer meceeeqhle hej, peceekelee& keer DeeJeMekelee
kes Devegmeej Keeles ceW yekeeee pecee jeefMe kes 50.0% kes meceeve jeefMe kee
Jeeheme Yegieleeve efkeee pee mekelee nw.
5. ``yeerJeeeSmeer yee@ye Gece-Je=efle Geceer efJekeeme keee&ece''

(yeerJeeeSmeer) $e+Ce, JeJemeee meueenkeej, heefMe#eCe Deewj vesJee\keie
SJeb ceekexeEie kes he ceW iewjueeYeebefJele egJee meefee ceeFees-Geceer kees
heejbYe mes Deble leke meneelee GheueyOe kejelee nw.
ye[ewoe efkemeeve esef[ kee[& (yeerkesmeermeer)
6. iegCeJeeehetCe& SmeSepeer mLeeefhele kejves, esef[ eEuekespe Deemeeve kejves

Deewj MeeKee meHe kes heefMe#eCe ceW meneelee GheueyOe kejeves kes efueS
ceeFees HeeFveWme kesv (meerSceSHe), peehegj mes pees[vee, pees yeQke keer
MeeKeeDeeW kes mesJee #es$e ceW ieebJe kes efJekeeme Deewj ceeFees HeeFveWme SJeb
ke=ef<e $e+Ce ceW megOeej kejves ceW meneeke nw.
7. Deehekes yeQke veW ieeceerCe $e+Ce, ieeceerCe efJekeeme Deewj ke=ef<e efJekeeme ceW GheueyOe
$e+Ce DeJemejeW kee hejer#eCe kejves leLee egveewelf eeeW hej Oeeve osves SJeb Gvemes
yeenj efvekeueves kes GsMe mes efJekeeme DeOeeve mebmLeeve (DeeF&[erSme), peehegj,
Ske hecegKe efjmee& SJeb heeseuf emeer S[JeeFpejer mebmLeeve, ceW Ske heeHs esmej esej
Yeer mLeeefhele keer nw. Fmekee GsMe Ghejese efoMee ceW efJeefYeVe DeOeeve kejvee
Deewj Heer[yewke mes meerKevee nw.
efJeeere meceeJesMeve ceW Glheeo veJeervelee

Deehekee yeQke efJeeere meceeJesMeve kee heeesie Deheveer keeheexjs meeceeefpeke
efpeccesoejer (meerSmeDeej) kes keee& kees meg{ kejves kes efueS Ske DeJemej kes
he ceW Yeer kej jne nw. Deehekee yeQke ieeceerCe ueesieeW kes yeere yeQeEkeie peeiekelee
Hewueeves, Gvekees Deheves GlheeoeW keer peevekeejer osves, ieeceerCe $e+Ce, ke=ef<e
lekeveerkeer peevekeejer, $e+Ce hejeceMe&, %eeve yeebves / efMekeeele meguePeeves,
DeewjleeW Deewj ue[efkeeeW kee Gej kejves, efkemeeve keueye mLeeefhele kejves SJeb
SmeSepeer keer mLeehevee Fleeefo kes efueS efJeefYeVe keoce G"e jne nw.
yesefmeke heefMe#eCe Deewj ceeie&oMe&ve keer meneelee mes Fme eespevee eje yesjespeieej
egJeeDeeW kees ieeceerCe #es$ees ceW Gvekee Dehevee JeJemeee DeejbYe kejves ceW
heeslmeenve efceuesiee. veF& heeweesefiekeer kes ceeOece mes ieenkeeW kees Gvekes ieebJeeW ceW
efveege yeermeer legjble yeQeEkeie mesJeeSb heoeve kej jns nQ.
Deehekes yeQke ves efJeefYeVe hekeej kes ieenkeesvcegKeer GlheeoeW keer MegDeele keer nw
pees efJeMes<ehe mes efJeeere meceeJesMeve ieenkeeW nsleg leweej efkeS ieS nw. GveceW mes
keg efvecveevegmeej nw.
Deblee|veefnle Dees[er megefJeOee meefnle yesefmeke yeele yeQke pecee Keelee

Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej en Glheeo efJeMes<e he mes
Deemeeve kesJeeemeer ceeveob[es kes meeLe efJeeere meceeJesMeve ieebJeeW kes JeefeeeW
Heuewkemeeryeue Deej[er Keelee (eMemJeer pecee eespevee)
en Glheeo efkemeeveeW kes efueS nw pees Gvekeer DeeJeMekeleeDeeW pewmes Glheeove

$e+Ce, efveJesMe $e+Ce, heme&veue $e+Ce DeeJeMekeleeDeeW Deewj GheYeesie DeeJeMekeleeDeeW
kees keJej kejlee nw. en $e+Ce meercee kee Gheeesie kejves ceW Heuewkemeeryeue nw
eLee Jen Je<e& kes oewjeve Deheveer DeeJeMekeleevegmeej $e+Ce meercee kee Gheeesie
kej mekelee nw.
ye[ewoe meeceeve esef[ kee[& (yeerpeermeermeer)

ieeceerCeeW keer efJeefYeVe DeeJeMekeleeDeeW kees hetje kejves kes efueS yeQke keer meYeer
ieeceerCe Deewj DeOe&-Menjer MeeKeeDeeW kes ceeOece mes yeerpeermeermeer efeeeeqvJele
efkeee ieee nw.
kece heerefceece Jeeuee yeercee Glheeo

Deehekes yeQke ves FeqC[ee-Hem& ueeFHe FbMeesjWme kebheveer kes meeLe mecevJee
kejkes efJeeere meceeJesMeve ieenkeeW kes efueS kece heerefceece Jeeuee Ske peerJeve
yeercee Glheeo Yeer Meg efkeee nw. en ieenkeeW kees heebe Je<e& keer DeJeefOe nsleg
` 20.99 heefle npeej kes eEmeieue heerefceece hej ` 5,000/- mes ` 50,000 leke
kee keJej uesves keer Deemeeve megefJeOee oslee nw.
hele#e ueeYe DeblejCe

Yeejle mejkeej ves hele#e ueeYe DeblejCe ([eryeerer) efeeeefvJele kejves kee
efveCe&e efueee nw. hele#e ueeYe DeblejCe kee GsMe en megefveeqele kejvee nw
efke ueeYeeLeea mejkeejer ueeYeeW kees Fuewkeêefveke he mes, efyevee efkemeer osjer Deewj
efjmeeJe kes, eefo efJeeceeve mebefJelejCe heCeeueer ceW keesF& nes, Deheves Keeles ceW meerOes
heehle kejlee nw. [eryeerer kes efeeevJeeve kes mebyebOe ceW Deveske heejeqcYeke keee&
efkeS ieS nQ Deewj yengle mes keee& efkeS pee jns nQ. Fme keee&ece kes Debleie&le
mejkeej meeqyme[er, mkee@uejefMehe, heWMeve, vejsiee cepeotjer, Sueheerpeer meeqyme[er
Fleeefo pewmes vekeo ueeYeeW kee veeefcele ueeYeee|LeeeW kes yeQke Keeles ceW meerOes
DeblejCe kejsieer. mejkeejer ueeYeeW kes DeblejCe keer Fme heCeeueer ceW ejCeye SJeb
meceeye lejerkes mes leyeoerueer nesieer. efoveebke 01.01.2013 mes 26 eeefvele
eespeveeDeeW kes Debleie&le [eryeerer kes heLece ejCe kes efueS 16 jepeeW ceW ueieYeie
43 efpeueeW keer heneeve keer ieF& nw. 1.7.2013 mes Fmes Deve 78 efpeueeW ceW
DeejbYe efkeee peeesiee en [eryeerer eespevee 31/03/2013 leke mechetCe& osMe
kes meYeer efpeueeW ceW efeeebefJele keer peeSieer. [eryeerer eespevee kee efeeevJeeve
DeieCeer yeQke huesHeece& mes efkeee peelee nw. Deehekes yeQke kes heeme 45 efpeueeW ceW
DeieCeer yeQke keer efpeccesoejer nw. Fmekes Deefleefje, Deehekee yeQke [eryeerer
eespevee kes heYeeJeer efeeeveJeve keer efveiejeveer kej jne nw.
37
2012-13
DeeOeej Yegieleeve DevegHetjke eCeeueer (SheeryeerSme)

SheeryeerSme, Yeejleere efJeefMe heneeve heeefOekejCe eje peejer DeeOeej mebKee
kes heeesie mes vesMeveue hesceW keeheexjsMeve Dee@He FeqC[ee (SveheermeerDeeF&) eje
hesMekeMe keer ieF& veF& Yegieleeve mesJee nw. mejkeejer ueeYeeW kees DeeOeej mebKee kes
DeeOeej hej ueeYeeLeea kes Keeles ceW Debleefjle efkeee peelee nw leeefke, mejkeejer
efJeYeeieeW/ SpesbefmeeeW kees ueeYeee|LeeeW kes yeQke efJeJejCe Deewj Keelee mebKee jKeves
keer DeeJeMekelee ve nes. Deehekes yeQke ceW SheeryeerSme heefjeeueve ceW nw.
DeeOeej meceLe& Yegieleeve heCeeueer (SF&heerSme)

SF&heerSme Ske yeQke mebeeefuele cee@[ue nw pees DeeOeej meleeheve kee heeesie kejkes
efkemeer yeQke kes Jeeheej heefleefveefOe kes ceeOece mes heerDeesSme eje (ceeFees
SerSce) Dee@veueeFve Deble:heeeueveere efJeeere uesveosveeW keer Devegceefle oslee nw.
DeeOeej meceLe& yeQeEkeie uesveosve kes efvecveefueefKele eej cetue hekeej nQ.
1. Mes<e keer eqmLeefle
3. vekeoer DeenjCe
2. vekeo pecee
4. DeeOeej mes DeeOeej efveefOeeeW kee DeblejCe
Deehekes yeQke ceW SF&heerSme hejer#eCe ejCe ceW nw Deewj ceF& 2013 kes ceOe leke
heefjeeueve ceW peeSiee.
31/03/2013 leke efJeeere meceeJesMeve ceW yeQke kes keee& efve<heeove keer
efJeMes<eleeSb
Deehekes yeQke ves Deheves mesJee #es$e kes Debleie&le 21,526 ieebJeeW ceW mes DeYeer
leke 4,959 ieebJeeW kees keJej efkeee nw. ueieYeie 90% ieebJe meefee
uesveosve cees[ hej nw.
Deehekes yeQke ves 49.60 ueeKe ``vees efHeue yesefmeke yeele yeQke Keeles'' Keesues
nQ, efpeveceW mes 8.69 ueeKe Keeles Jeeheej heefleefveefOe SpeWeW (yeermeerS) kes
ceeOece mes Keesues ieS.
Deehekes yeQke ceW ``vees efHeue KeeleeW'' ceW Deewmele yekeeee jeefMe ueieYeie
1,200 kejes[ hees nw.
Deehekes yeQke ves 2,000 mes DeefOeke keer Deeyeeoer Jeeues ieebJeeW ceW 2,695
Deuê mceeue MeeKeeSb Keesueer nQ.
Deehekes yeQke ves ceee& 2016 leke 21,526 ieebJeeW kes efueS Deheves SHeDeeF&heer
kees efeeebefJele kejves kes efueS MeeKee mlej leke he=LekeerkejCe eespevee
Devegceesefole keer nw.
Deehekes yeQke ves efJeeere meceeJesMeve ieenkeeW nsleg ``ceeFees-FbMeesjWme''

Glheeo keer MegDeele keer nw. Ssmee kejves Jeeuee Deehekee yeQke henuee yeQke nw.
Deehekee yeQke eej jepeeW DeLee&le iegpejele, efyenej, ieesJee Deewj Gej
heosMe ceW heebe ceesyeeFue Jewve heefjeeefuele kej jne nw leLee 100 Deewj
ceesyeeFue Jewve Meg kejves keer eespevee nw.
Deehekes yeQke ves efJeeere meceeJesMeve kes Debleie&le efkeeesmke huesHeece& hej
yeermeerS kes he ceW yeQke kes mesJee #es$e ceW Deheves meerSmemeer kee veeceebkeve kejves
kes efueS meerSmemeer F&-ieJeveXme efue. kes meeLe Ske mecePeewlee efkeee nw.
Deehekee yeQke DeeOeej DeeOeeefjle YegieleeveeW, etDeeF&[erSDeeF& eEuekespe, ieebJe

kees[ Deeleve kejves Fleeefo kes efueS lekeveerkeer he mes hetjer lejn mes
leweej nw.
38
efJeeere Je<e& 2013 kes oewjeve Devegmetefele peeefle / Devegmetefele pevepeeefle

mecegoeeeW kees Deefiece
yeQke eje Devegmetefele peeefle / Devegmetefele pevepeeefle kes ueesieeW kees efoes peeves
Jeeues DeefieceeW ceW Je<e&-oj-Je<e& Je=ef nes jner nw. en yeele Fme leLe mes mhe
nw efke FvnW cebpetj efkeS ieS DeefieceeW keer jeefMe ceee& 2012 kes Deble cesb
` 4,336.02 kejes[ hees mes ye{kej ceee&, 2013 kes Deble ceW ` 4,712.66
kejes[ hees nes ieF&. Jemlegle: meceer#eeOeerve Je<e& kes oewjeve kecepeesj Jeie& kes
ueesieeW kees Deehekes yeQke eje cebpetj efkeS ieS kegue DeefieceeW ceW Devegmetefele peeefle
/ Devegmetefele pevepeeefle kees efoes ieS DeefieceeW kee DebMe 27.64% nw. Fmekes
Deefleefje, yeQke ves efJeefYeVe mejkeejer heeeesefpele eespeveeDeeW, eLee-mJeCe&peebleer
ieece mJejespeieej eespevee (SmepeerSmeJeeF&), mJeCe& peebleer Menjer jespeieej
eespevee (SmepesSmeDeejJeeF&), heOeeveceb$eer jespeieej me=peve keee&ece
(heerSceF&peerheer) Fleeefo kes lenle Devegmetefele peeefle / Devegmetefele pevepeeefle kes
ueesieeW kes efJee hees<eCe hej efJeMes<e Oeeve efoee nw.
en GuuesKeveere nw efke ye[ewoe mJejespeieej efJekeeme mebmLeeve heefMe#eee|LeeeW kee
eeve kejles mecee Devegmetefele peeefle / Devegmetefele pevepeeefle mes peg[s ueesieeW
kees Jejerelee os jns nQ. DeYeer leke Fve kesveW ves Devegmetefele peeefle / Devegmetefele
pevepeeefle esCeer kes 72,365 egJeeDeeW kees heefMeef#ele efkeee nw.
Deblejjeêre heefjeeueve
[erDeeF&SHemeer, ogyeF& ceW 100Jeeb efJeosMeer keeee&uee Keesueves kes meeLe Deehekes
yeQke kes Debleje&êre heefjeeueve ceW en Ske Ssefleneefmeke Je<e& Lee. MeeKee kee
MegYeejbYe eer heer.efeocyejce, efJeeceb$eer, Yeejle mejkeej eje efkeee ieee.
Deehekes yeQke ves 1953 ceW Deblejjeêre #es$e ceW Deheves heejbefYeke heJesMe mes ueskej,
Jewefeke Jeeheej DeJemejeW kees leueeMeves kes efueS Deheves efJeosMeer vesJeke& ceW
ueieeleej efJemleej efkeee nw.
Yeejle kes ceeveveere kesvere efJeeceb$eer eer heer efeobyejce, [erDeeF&SHemeer ceW yeQke Dee@He
ye[ewoe kes 100JeW efJeosMeer keeee&uee kee MegYeejbYe kejles ngS
Debleje&êre keejesyeej
Je<e& kes oewjeve, hecegKe heieefleMeerue DeLe&JeJemLeeDeeW ves efvejblej cebo Je=ef,
jepekees<eere yeeOeeDeeW Deewj efceleJeeer GHeeeeW kee meecevee efkeee nw Deewj Fmekes
eflejs heYeeJe Deve DeLe&JeJemLeeDeeW hej Yeer he[ jns nQ. Fme keef"ve heefjJesMe
ceW Yeer Deehekes yeQke kes Debleje&êre heefjeeueve ves efJekeeme hej efvejblej efveiejeveer
jKekej Deewj JeJemeee cee@[ue kee Gheege meceeeespeve kej henues mes keoce
G"ekej Dee Je=ef oewj yeveeS jKee nw.

Deehekes yeQke ves GYejles DeJemejeW hej ueieeleej vepej jKeer nw Deewj MeeKeeDeeW kes
ye[s vesJeke& kee hetje ueeYe uesves kes efueS efJeosMeer kesveW kes yeere ye[er meefeelee
jner nw.
2012-13
kegue Deeeqmleeeb
Deehekes yeQke kes Debleje&êre heefjeeueve keer kegue DeeeqmleeeW ceW Je<e&-oj-Je<e&
DeeOeej hej 30.1% keer GuuesKeveere Je=ef ngF&. es Deeeqmleeeb ceee& 2012 kees
meceehle DeJeefOe kees ` 1,28,398 kejes][ mes ye{kej ceee& 2013 ceW
` 1,67,038 kejes][ nes ieF.
ueeYe
heCeeueer ceW ye{leer lejuelee Deewj esef[ keejesyeej ceW efiejeJe keer Fme
egveewleerhetCe& DeJeefOe kes oewjeve Yeer Jeeheej mlej ceW Je=ef Deewj yeepe Deee ceW
megOeej kes keejCe efJeeere Je<e& 2013 ceW mekeue ueeYe ceW efheues Je<e& keer leguevee
ceW 24.7% keer Je=ef jner. leLeeefhe, Je<e& kes oewjeve Ge heeJeOeeveeW kes keejCe
kegue ueeYe ves 19.20% keer vekeejelceke Je=ef ope& keer.
Deehekes yeQke kes Jewefeke kegue ueeYe ceW Deblejjeêre heefjeeueve kee eesieoeve 24.6% jne.
yeQke Dee@He ye[ewoe kes keee&heeueke efveosMeke eer efhe eerefveJeeme, eer Sme kes pewve SJeb eer
jbpeve OeJeve vet meeGLe Jesume kes heerefceej SJeb Jesmve& efme[veer kes ceb$eer ceeveveere yewjer
je@ye& Dees'Heejxuue kes cegbyeF& oewjs kes mecee Gvemes yeeleeerle kejles ngS
Deehekee yeQke Deheveer DeeF&er DeeOeejYetle mebjevee, meeJe&peefveke DeeJeMekeleeDeeW

kes Devegmeej mesJee Deewj GlheeoeW ceW megOeej, MeeKee vesJeke& kee efJemleej Deewj
eEhe SJeb Fuewkeêsefveke ceeref[ee kes ceeOece mes heeej ceW heieefle / Je=ef kes
ceeOece mes ieenke megefJeOee kes efueS Deheveer henueeW kes meeLe melele he mes jne
nw. Fme Je<e& kes oewjeve Deehekes yeQke ves efme[veer, Deem^sefueee Deewj [erDeeF&SHemeer,
ogyeF& MeeKeeDeeW kes ceeOece mes oes veS kesv mLeeefhele efkeS nQ. ceuesefMeee ceW
mebege Gheece yeQke FeqC[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er ves Yeer
Fme Je<e& kes oewjeve Dehevee heefjeeueve Meg efkeee.
JeJemeee leLee ueeYe keee&-efve<heeove
Deeeqmle iegCeJeee
Deehekes yeQke keer Deblejjeêre mlej hej GheeqmLeefle Fmes Yeejer $e+Ce peesefKece ceW
[eueleer nw. Deehekee yeQke hetJe&-mebefJelejCe ejCe kes oewjeve efkemeer heefjeespevee
keer $e+Ce DeeJeMekeleeDeeW kee JeemleefJeke he mes efveOee&jCe kejves kes efueS meYeer
keoce G"elee nw Deewj cetueebkeve SJeb Deve lekeveerkeer, Deee|Leke, JeeefCeeqpeke,
JeJemLeeheve mebyebOeer SJeb efJeeere henuegDeeW hej meeJeOeeveerhetJe&ke efveiejeveer kejlee nw.
Jewefeke ceboer ves efJee DeLe&JeJemLee kes meYeer #es$eeW kees heYeeefJele efkeee nw Deewj
Fmemes DeeeqmleeeW keer iegCeJeee hej oyeeye he[e nw. Fme heefleefeee mes, Deehekes yeQke
ves DeeeqmleeeW keer iegCeJeee yeveeS jKeves kes efueS efveiejeveer lejerkees ceW Deewj Je=ef
keer nw. Fmemes oyeeyeiemle KeeleeW keer mecee hej heneeve Deewj JemetefueeeW kes efueS
meYeer mebYeJe keoce G"eS ieS nQ. Fmekes Deefleefje, hegvemejefele KeeleeW hej ke[er
vepej jKeer ieF& leeefke es SveheerS esefCeeeW ceW ve eues peeSb.
efJeeere Je<e& 2013 kes oewjeve yeQke keer efJeosMeer MeeKeeDeeW ves kegue JeJemeee
(peceejeefMeeebDeefiece) ceW 24.2% keer Je=ef ope& keer. peyeefke ieenke
peceejeefMeeeW ceW 24.03%, kegue peceejeefMeeeW ceW 26.2% leLee DeefieceeW ceW
21.8% keer Je=ef ope& ngF&.
leLeeefhe, yeenjer heefjJesMe ves DeeeqmleeeW keer iegCeJeee hej heYeeJe [euee nw Deewj
kegue Deefiece kee mekeue SveheerS ceee& 2012 kees 0.68% mes ye{kej ceee&
2013 ceW 1.37% nes ieee.
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke kes Jewefeke keejesyeej ceW Deblejjeêre
heefjeeueve kee 29.4% kee GuuesKeveere eesieoeve jne nw.
Debleje&êre GheeqmLeefle
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke keer Deblejjeêre GheeqmLeefle Deheveer
100 MeeKeeDeeW / keeee&ueeeW kes ceeOece mes 24 osMeeW ceW efvecveevegmeej nw.
yeQke keer DeesJejmeerpe MeeKeeSb / keeee&uee
60
yeQke kes heefleefveefOe keeee&uee
yeQke keer efJeosMeer Deveg<ebefieeeW keer MeeKeeSb
39
kegue
100
yeQke kes efvecveefueefKele mebege Gheece nQ :

1. Fb[es peeeqcyeee yeQke efue., peeeqcyeeeb
cegbyeF& ceW Deeeesefpele yeQke kes Debleje&êre heefjeeueve mebyeOeer JeJemeee meceer#ee SJeb
yepe yew"ke
2. FeqC[ee FbjvesMeve yeQke (ceuesefMeee)

yeerSe[er, ceuesefMeee
-
-20- MeeKeeSb
-1- MeeKee
39
2012-13
efJeosMeer efJemleej
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke ves 12 veF& MeeKeeSb / keeee&uee
(Deveg<ebefieeeW kees Meeefceue kejles ngS) Keesues nQ. FmeceW yeQke keer efme[veer,
Deem^sefueee; [erDeeF&SHemeer, ogyeF&, meesnj, Deesceeve; jes]pe yesueer, cee@efjefMeme
Deewj [erScemeermeer, ogyeF& ceW eqmLele Fuewkeêefveke yeQeEkeie mee|Jeme etefve
(F&yeerSmeet) MeeKeeSb Meeefceue nQ.
Deveg<ebefieeeW keer MeeKeeSb vetpeerueQ[ ceW JeseEueieve Deewj cevegkegDee; etieeb[e
kecheeuee ceW Sblesyyes, keeyeues Deewj Fb[mêreue Sefjee; Ieevee ceW scee Deewj
yeeslmeJeevee ceW iesyeesjesve Jesm Keesueer ieF.
etSF&, etieeb[e, kesvee Deewj yeeslmeJeevee ceW vesJeke& efJemleej kes efueS Deehekee
yeQke DeeJeMeke cetueYetle mebjevee leweej kej jne nw. Deehekee yeQke et.kes. ceW
oes Deefleefje MeeKeeSb Keesueves kes efueS Yeejleere efj]peJe& yeQke kes Devegceesove keer
heleer#ee kej jne nw.
Yeejle kes heeqyueke meskej yeQkeeW kes DeesJejmeerpe efJemleej kes mebyebOe ceW efJee
ceb$eeuee, Yeejle mejkeej eje peejer efJeefYeVe efveoxMeeW kes Devegmeej ner
DeesJejmeerpe efJemleej hej efJeeej efkeee pee jne nw.
eEme[erkesMeve meWj
Deehekes yeQke kee uebove ceW iueesyeue eEme[erkesMeve meWj Deewj ogyeF& SJeb eEmeieehegj
ceW jerpeveue eEme[erkesMeve meWj eqmLele nQ, peneb Debleje&êre yeepeej kes
eEme[erkesMeve $e+CeeW kes JeJemeee hej Oeeve keseqvle efkeee peelee nw. Deehekes
yeQke ves keeheexjs keeee&uee, cegcyeF& ceW Ske Deblejjeêre ceeX yeQeEkeie ke#e
(DeeF&Sceyeermeer) mLeeefhele efkeee nw pees cegKe he mes Yeejleere keeheexjsdme keer
DeeJeMekeleeDeeW kees hetje kejlee nw. Deehekee yeQke eEme[erkesMeve ueesve ceekex SJeb
$e+Ce DeesjerefpevesMeve Yeeieeroejer ceW Yeer meefee jne nw.
Glheeo SJeb mesJeeSb
etbiee[e ceW yeQke keer Deveg<ebieer yeQke Dee@He ye[ewoe (etieeb[e) efue. keer veF& MeeKee
Fb[mêreue Sefjee, kecheeuee kee MegYeejbYe.
Fmekes Deefleefje, Fme Je<e& kes oewjeve ceuesefMeee ceW mebege Gheece yeQke
``FeqC[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er kee Yeer heefjeeueve Meg
ngDee nw.
Deehekes yeQke ceW DeHeveer meYeer DeesJejmeerpe MeeKeeDeeW Deewj Deveg<ebefieeeW kes efueS
Ske eEmeieue keesj meesuetMeve GHeuyeOe nw. en veS GlheeoeW Deewj mesJeeDeeW keer
peevekeejer osves keer megefJeOee oslee nw leLee heefjeeueve Jeeues osMe kes ieenkeeW keer
DeeJeMekeleeDeeW kes Deveghe leyeoerueer / megOeej kejves ceW Yeer meneelee kejlee
nw.
heeflemheOee&lceke oewj ceW yeves jnves kes efueS Deehekes yeQke ceW ueieeleej megOeej Deewj
veJeervelee mes heeweesefiekeer kee Yejhetj GHeeesie efkeee pee jne nw. Deehekes yeQke kes
ueef#ele ieenkeeW kees Fuewkeêsefveke SJeb eEhe ceeref[ee kes ceeOece mes DeeJeMeke
peevekeejer oer pee jner nw.
DeesJejmeerpe heefjeeueveeW ceW heeweesefiekeer
31 ceee& 2013 kees meceehle DeJeefOe ceW efJeosMeer keeee&ueeeW SJeb Deveg<ebefieeeW
ceW SerSce keer mebKee ye{kej 89 nes ieF& nw (54 Dee@vemeeF SJeb 35 Dee@
HemeeF) pees 31 ceee&, 2012 kees 76 (45 Dee@vemeeF SJeb 31 Dee@
HemeeF) Leer. Fmekes Deefleefje, leerve veS SerSce Yeer mLeeefhele efkeS
peeves keer heefkeee ceW nQ.
ceeveveere kesvere efJee jepe ceb$eer eer vecees vejeeCe ceerCee oerhe peueekej ceueseMf eee ceW mebege
Gece yeQke Fbe[f ee FbjvesMeve yeQke (ceueseMf eee) yesjne[ kee MegYeejbYe kejles ngS
YeefJe<e keer eespeveeSb

MeeKee vesJeke& kees Deewj Hewueeves kes GsMe mes Deehekes yeQke ves, Gve osMeeW ceW
peneb en henues mes GheeqmLele nQ, veS kesveW keer heneeve keer nw. Fmemes Deehekes
yeQke kee heefjeeueve cepeyetle nesiee Deewj yeepeej efnmmesoejer ceW megOeej / megj#ee
efceuesieer. Deehekes yeQke ves JeJemeee keer ueeYeheo Je=ef nsleg DeJemej heoeve kejves
kes efueS veS osMeeW ceW peeves keer Yeer eespevee yeveeF& nw.
40
ogyeF& ceW Fuewkeêsefveke yeQeEkeie mee|Jeme etefve ceuer keceesef[erpe meWj kee MegYeejbYe
yengle mes keeee&uee / Deveg<ebefieeeb efehe DeeOeeefjle [sefye kee[& kees Dehevee
jner nQ.
12 efJeosMeer keeee&ueeeW SJeb Deveg<ebefieeeW DeLee&le etSF&, etveeFs[ eEkeie[ce,

Deesceeve, cee@jsefMeme, efHepeer, mesmeume, Deem^sefueee, kesvee, etieeb[e,
yeeslmeJeevee, vetpeerueQ[ Deewj Ieevee ceW ``ye[ewoe keveske'' kes he ceW yeeb[s[,
uesveosve DeeOeeefjle Fbjves yeQeEkeie, efeeeeqvJele keer ieF& nw. Fmekes
Deueeyee, lebpeerefveee ceW ``Jet-yesm[ Fbjves yeQeEkeie'' Meg keer ieF& nw.
etSme, etkes, etSF&, yeneceeme, yenjerve, nebiekeebie, eEmeieehegj SJeb

yesequpeece ceW iueesyeue ^spejer meesuetMeve efeeeeqvJele efkeee pee egkee nw.
kesverke=le eqmJeHe ieefleefJeefOe kee efeeevJeeve hetje efkeee pee egkee nw

Deewj Deehekes yeQke kes [ee meWj mes heefjeeefuele keer pee jner nw. etSme
kes DeueeJee meYeer #es$e / Deveg<ebefieeeb Gvekes eqmJeHe heefjeeueve eqmJeHe
ke#e, [ee meWj kes ceeOece mes kej jner nw.
Yegieleeve mebosMe heefle, keesj yeQeEkeie meesuetMeve (efHeveekeue) SJeb eqmJeHe

kes ceOe keer ke[er nw pees Deeves Jeeues SJeb peeves Jeeues eqmJeHe mebosMeeW kees
Sber ceveer ueebef[îe peebe kes meeLe meerOes heesmeseEmeie ceW ceoo kejleer nw. Fmes
etSme kes DeueeJee meYeer #es$eeW/ Deveg<ebefieeeW ceW keeee&eqvJele efkeee ieee nw.
Sver ceveer ueebeE[îe Fjwpe (yewe cees[) kees 21 sjerjerpe / Deveg<ebefieeeW ceW
keeee&eqvJele efkeee ieee nw.
Sver ceveer ueebeE[îe Dee@veueeFve efuem ceweEeie meesuetMeve kees etSme kes
DeueeJee 21 sjerjerpe / Deveg<ebefieeeW ceW keeee&eqvJele efkeee ieee nw.
efJeosMeer heefjeeueveeW ceW peesefKece heyebOeve

31 ceee&, 2008 mes Deehekes yeQke kes meYeer efJeosMeer keeee&ueeeW hej yeemesue II
efoMeeefveoxMeeW kees keeee&eqvJele efkeee ieee Lee Deewj Deehekes yeQke ves $e+Ce
peesefKece nsleg ceevekeerke=le eqkeesCe, yeepeej peesefKece nsleg ceevekeerke=le
DeeJeefOeke heefle SJeb heefjeeueveiele peesefKece nsleg yesefmeke Fbef[kesj heefle kees
Dehevee efueee nw.
Deehekes yeQke ves $e+Ce, yeepeej SJeb heefjeeueveiele peesefKece kes heYeeJeer JeJenej
nsleg efJeosMeer kesveW hej Ske he=Leke peesefKece heyebOeve efJeYeeie mLeeefhele efkeee nw
Deewj Ssmes kesveW hej efJeMes<e peesefKece heyebOekeeW kees heomLe efkeee nw. peesefKece
heyebOeve heefle Deewj Gmekes keeee&vJeeve kees meMee kejves ceW Fmekes heefjCeece
efceues nQ.
efJeosMeer kesveW hej Deebleefjke esef[ jseEie nsleg keeee&eqvJele efkeee ieS yee@ye jwce
cee@[ue ves Deefiece KeeleeW SJeb Gvekes cetueebkeve mebyebOeer efJemle=le peevekeejer heehle
kejves kes meeLe esef[ cee@efveeEjie heefeee kees Deewj meMee efkeee nw.
Deehekes yeQke kes meYeer efJeosMeer kesveW hej Deeeqmle JeieeakejCe SJeb $e+Ce cee@
efveeEjie nsleg Ske Smeece cee@[ue keeee&eqvJele efkeee ieee nw.
efJeosMeer heefjeeueveeW ceW efJeefveeeceke Devegheeueve

Deehekee yeQke mebyebefOele osMe kes efJeefveeeceke ceeveob[eW kee meKleer mes heeueve
kejlee nw Deewj ncesMee mes Ske efveece-heeueke yeQke kes he ceW jne nw. meYeer
efJeefveeeceke efoMeeefveoxMeeW / heefjJele&veeW / ceeceueeW kees Ge heeLeefcekelee mes
meeLe ceevelee nw.
2012-13
Devegheeuevee ceeceueeW kees mebYeeueves kes efueS Deehekes yeQke ves efJeosMeer kesveW hej
mecee|hele DeefOekeeefjeeW kees heomLe efkeee nw efpevekeer kegMeuelee ceW heefMe#eCe SJeb
Deve lejerkeeW mes ueieeleej Je=ef keer peeleer nw. Devegheeuevee kees kesJeue
efJeefveeeceke DeeJeMekelee kes he ceW ner vener osKee peelee yeequke yeQke SJeb Deve
MesejOeejkeeW kes efnle Deewj heeflee keer megj#ee kes he ceW efueee peelee nw.
meYeer efJeosMeer keeee&ueeeW / Deveg<ebefieeeW kes efueS Gvekeer mebyebefOele efJeefveeeceke
DeeJeMekeleeDeeW kes Devegmeej yeQeEkeie kes efJeefYeVe #es$eeW ceW veerefle / efveece yeves
nQ. efJeefveeeceke efoMeeefveoxMeeW SJeb DeeJeMekeleeDeeW kes meeLe Devegheeueve
megefveeqele kejves kes efueS Fvekeer mecee-mecee hej meceer#ee keer peeleer nw.
^spejer heefjeeueve
Deehekes yeQke ceW ye[ewoe meve e@Jej keeheexjs keeee&uee, cegbyeF& ceW Deefle DeeOegefveke
[ereEueie ce keee&jle nw. Fme [ereEueie ce kes ceeOece mes Deehekee yeQke ^spejer
heefjeeueve kees hetje kejves kes efueS hetjer lejn leweej nw. ^spejer ef[Jeerpeve Iejsuet
heefjeeueve kee keee& mebeeefuele kejlee nw leLee efJeefYeVe ceekex keee&keueeheeW
pewmes efJeosMeer cege, yeepe ojW, meeJeefOe Deee, [sjerJesefJme, FeqkeJeer Deewj Deve
Jewkeequheke Deeeqmle esefCeeeW kee keee& osKevee nw. Deehekee yeQke Deheves ieenkeeW
kees keF& efJeeere mesJeeSb heoeve kejves kes efueS Deefle DeeOegefveke heeweesefiekeer
huesHeece& kee Gheeesie kejlee nw. Fve mesJeeDeeW ceW yeepe oj mJewhe, cege mJewhe,
Jeeeoe SJeb DeehMeve Meeefceue nQ.
Deehekes yeQke ves Deefle DeeOegefveke mJeeeefuele [ereEueie heCeeueer mLeeefhele keer nw
efpememes efjeue eFce Deees pevejss[ efJeosMeer cege ojW hetjs osMe ceW Hewueer
heeefOeke=le MeeKeeDeeW kes ceeOece mes Deheves ieenkeeW kees GheueyOe kejeF& peeleer
nQ. ieenkeesvcegKeer keoce kes he ceW efJee Je<e& 2013 kes oewjeve ieenke mesJee ceW
yee@ye heeefOeke=le [ereEueie heCeeueer kees yesnlej yeveeves SJeb uesveosveeW keer lespeer mes
heesmeseEmeie kejves leLee osjer SJeb yeske[eGve kees jeskeves kes efueS hegjeves meJe&jeW kees
Ge #ecelee meJe&jeW mes heefjJee|lele kej mebJeOe&ve efkeee ieee.
efyepevesme heesmesme efj-FbpeerefveeeEjie kes lenle Deehekes yeQke ves iueesyeue ^spejer
meesuetMeve kees meYeer ye[s efJeeere kesveW hej meHeueleehetJe&ke hetje kej efueee nw.
iueesyeue ^spejer huesHeece& mejuelee mes 9 kesveW efJeMes<e he mes cegbyeF&, uevove,
yeneceeme, yegMesume, ogyeF&, yenjerve, eEmeieehegj, nebiekeebie Deewj veteeke& ceW keee&
kej jne nw. ^spejer meesuetMeve kee 10Jeeb keeee&vJeeve [erDeeF&SHemeer ogyeF&,
pees meteer ceW Ske Dee@Hemeesj yeQeEkeie etefve nw, ceW nes jne nw.
efJeeere Je<e& 2013 kes oewjeve Je=ef ceW ye{eslejer SJeb ke[er cegemHeerefle kee
efveeb$eCe hecegKe ceewefke veerefle keer egveewefleeeb LeeR. iele Je<e& kes oewjeve Yeejleere
efjpeJe& yeQke ves jshees oj Deewj efjJeme& jshees oj kees 100 yeerheerSme leke kece efkeee
Deewj meerDeejDeej ceW 75 yeerheerSme keer keewleer kej eueefveefOe kees heYeeefJele
efkeee. Yeejleere efjpeJe& yeQke ves heCeeueer ceW eueefveefOe kees heYeeefJele kejves kes
efueS . 1,27,180 kejes[ kees efJemleeefjle kejves kes efueS Kegues yeepeej
heefjeeueve mebeeefuele efkeS. Ge Ieesef<ele $e+Ce keee&ece SJeb Ge cegemHeerefle
ves veJecyej, 2012 leke efieu cegveeHes hej oyeeye [euee. Fmemes leLee Yeejleere
efjpeJe& yeQke eje ceewefke veerefle ojeW ceW heefjJele&veeW kes efJejece kes keejCe efJeeere
Je<e& 2013 ceW pegueeF& mes efomecyej kes oewjeve 10 Je<e& kee yeQeceeke& efieu
8.05%-8.25% keer esCeer ceW jne. leLeeefhe, Yeejleere efjpeJe& eje efomecyej
2012 ceW Keguee yeepeej heefjeeueve kes hegveie&nCe SJeb peveJejer, 2013 ceW veerefle
41
2012-13
ojeW keer keceer kes yeeo, 10 Je<e& efieu efvecvelece 7.80% hej hengbee peyeefke
Je<e& kes Deble ceW 7.95% jne.
kecepeesj Deee|Leke Je=ef keer he=Yetefce Deewj mejkeej eje jepekees<eere Iees kees
efveebef$ele kejves kes efueS megOeej kes efueS G"eS ieS keoce SJeb GheeeeW kes heefle
Deehekes yeQke keer ^spejer pecee heefleYetefleeeW ves Ge ueeYe efoee nw Deewj Fmekes
efveOee&efjle Deee mebefJeYeeie kes efueS efceleJeeer DeJeefOe kees yeveeS jKee nw.
Je<e& keer Debeflece efleceener ceW js keeEie ee hegve DeejbYe nesves hej en keee&veerefle
yeQke kes efveJesMe ceW Deer Deewmele Deee yeveeS jKeves Deewj efveJesMeeW keer efyeeer
mes Yeer Deer Deee megefveeqele kejves ceW meneeke jner. Iejsuet SmeSueDeej
efveJesMe hej Deewmele Deee 7.76% jner. efJee Je<e& 13 ceW ^spejer ves ` 7,450
kejes[ keer Deee, yeepe/yes ceW Dee|pele keer. peyeefke efveJesMe keer efyeeer Deewj
efJeosMeer cege mes ueeYe eceMe ` 617 kejes[ leLee ` 803 kejes[ jne.
kee@heexjs meeceeefpeke oeefelJe (meerSmeDeej)

Ske efpeccesoej kee@heexjs veeieefjke nesves kes veeles Deehekes yeQke eje jeêre/
jepe kes jenle kees<eeW nsleg leLee efkemeer Yeer Jeefe, ^m, meesmeeFer, efJeefJeOe
hekeej kes ueesieeW kees ueeYe hengBeves kes efueS meeceeefpeke efeeekeueeheeW mes peg[]er
heefleeqle hejeshekeejer/meeceeefpeke mebmLeeDeeW kees oeve efoes ieS nQ.
efJeefYeVe efeeekeueeheeW kees heeslmeeefnle kejves kes efueS oeve efoes peeles nQ. es
meceepe keueeCe kes Gheee kes he ceW Deewj iewj JeeJemeeefeke DeeOeej hej
Jeweefeke ^m, meeceeefpeke keee& kejves Jeeues mebie"veeW/mebmLeeDeeW Fleeefo kees
efoes peeles nQ.
Deehekes yeQke ves efJeMes<e he mes efvecveefueefKele heeespeveeW kes efueS oeve efoes nQ:
efMe#ee efJemleej kes efueS otjmLe #es$e kes ieeJeeW ceW yeeefuekeeDeeW Deewj
ceefnueeDeeW meefnle
heefleeqle ceneefJeeeuee/heeqyueke mketue Deewj Fmeer hekeej kes Deve

mebmLeeDeeW kees
hejceeLe& SJeb kecepeesj Jeie& keer mesJee mes peg[s heefleeqle DemheleeueeW kees
eg kes oewjeve Menero efmeheeefneeW kes heefjJeejeW Deewj Dehebie ngS efmeheeefneeW
kees meneeleeLe&
Je=eece
efJee Je<e& 2013 keer otmejer ceener ceW, efJeosMeer mebmLeeiele efveJesMeeW keer DeeJeke,
mejkeej eje Ieesef<ele megOeej mebyebOeer henueW Deewj Decesefjkeer DeLe&JeJemLee ceW
cetueYetle megOeej kes keejCe FeqkeJeer ceekex kes meWefceW ceW megOeej jne. ^spejer
kes FeqkeJeer DevegYeeie ves Deheves hees&Heesefueees kee meefee Gheeesie efkeee Deewj
efveeefcele Deblejeue hej peye Yeer yeepeej ceW DeJemej efceuee, cegveeHee keceeee.
Ssefleneefmeke peieneW, pewmes yeeieeW, efkeueeW Deewj cebefojeW Fleeefo kee mebj#eCe
Je=#eejesheCe/hegve-Je=#eejesheCe, veefoeeW, PeerueeW, pebieueeW, he#eerefJenejeW

Fleeefo meefnle heee&JejCe keer megj#ee, mebj#eCe Deewj mJelee kes heeemeeW
kees heeslmeenve osves kes efueS
efJee Je<e& 2012 kes efueS efJee ceb$eer kes yepe Yee<eCe keer Iees<eCee kes Deveghe
Deehekes yeQke ves, efheues Je<e&, FvHeem^keej #es$e ceW oerIe& keeueerve [wy Heb[
GheueyOe kejeves kes efueS legjble henue keer Deewj osMe kee henuee FveHeem^keej
[wy ]Heb[ cesmeme& Fbef[ee FbHee[wy efueefces[ kee MegYeejbYe efkeee.
MenjeW ceW yeieereeW kees Debieerke=le kejves kes efueS peneb Deehekes yeQke kes veece
kee heeej nes mekes.
heefjJeej efveeespeve mebyebOeer efeeekeueeheeW kes efueS
heMegDeeW kes heefle etjlee keer jeskeLeece kees ye{eJee osves Jeeues GheeeeW Deewj
heMegDeeW leLee heef#eeeW nsleg efeefkelmeeuee keer mLeehevee SJeb Gvekees eueeves
kes efueS
ieeceerCe #es$eeW ceW meewj Tpee&, ieesyej iewme hueeb pewmes De#ee Jeeues Tpee& kes
eesleeW kes mebJe&ve SJeb Gheeesie kees ye{eves kes efueS
yeerceeefjeeW/ceneceeefjeeW kes efveeb$eCe nsleg erkeekejCe heefjeespevee
Dehebie JeefeeeW pewmes DebOeeW, ueBie[eW, yenjeW Deewj ietbieeW Fleeefo DeLeJee
Deve efkemeer Dehebielee mes iemle JeefeeeW kees meneelee GheueyOe kejves
Jeeueer mebmLeeDeeW keer meneeleeLe&
heot<eCe efveeb$eke meeOeveeW kees heeslmeeefnle kejves kes efueS
meeceeefpeke Deewj ceeveJe cetueeW mes peg[]s Deve keesF& cegs/heefjeespeveeSb
Deehekes yeQke keer ^spejer Deheves Jele&ceeve GlheeoeW, pewmes-yeepe oj mJewhe

(DeeF&DeejSme), kejWmeer mJewhe (meerDeeF&DeejSme), HeejJe[& SJeb Dee@hMeve kes
DeeOeej hej yeepe ojW Deewj efJeosMeer cege peesefKeceeW kees kece kejves kes efueS
Deheves ieenkeeW keer DeeJeMekeleeDeeW kes Deveghe meceeOeeve heoeve kejlee nw. Je<e&
kes oewjeve, Deehekes yeQke keer ^spejer ves efJeefYeVe Deeeqmle JeieeX ceW GheueyOe
Deee|ye^spe DeJemejeW ceW meefeelee mes Yeeie efueee efpemeceW cege yeepeej
meeryeerSueDees, kee@ue, ceekex jshees, mejkeejer heefleYetefleeeB leLee Heesjskeme ceekex
Meeefceue nQ. ^spejer ves yeepeej kes Gleej e{eJe kee Heeeoe G"eee leLee DeesJej
veeF Fb[skem[ mJewhe kee Gheeesie nseEpeie, Deewj ^seE[ie DeJemejeW kes efueS efkeee.
meeJe&peefveke #es$e kes yeQkeeW kes efJeosMeer cege DevegYeeieeW ceW Deehekes yeQke keer ^spejer
kee efJeosMeer cege DevegYeeie yeepeej kes ye[s YeeieeroejeW ceW Dehevee mLeeve yeveeS
jKee. heesheeFjer ^seE[ie DevegYeeie, yeepeej keer DeeqmLejlee kee Gheeesie kej
GheueyOe Deee|ye^spe kees Yegveeves ceW meefee Lee Deewj Yeejleere yeepeej kees
heYeeefJele kej jner keef"ve efueeqkeJeef[er eqmLeefle ceW mebmeeOeveeW kee mebienCe
efkeee.
Deehekes yeQke keer ^spejer, efveosMeke ceC[ue eje efveOee&efjle efce[ Dee@efHeme
yeepeej Skemheespej meercee kees JeemleefJeke mecee kes DeeOeej hej cee@efvej kejlee
nw. Jewuet S efjmke (JeerSDeej) peesefKece heyebOeve hewjeceerj meefnle meYeer
hees&Heesefueees hej yeepeej peesefKece kees veeheves kes efueS heeesie ceW ueeee peelee
nw. Fve GheeeeW kees peesefKece vebyejeW hej yewke semie kes meeLe mecee|Lele jKee
peelee nw Deewj kejWmeer hees&Heesefueees leLee efJeefYeVe efveJesMeeW keer m^wme semie keer
peeleer nw.
42
2012-13
Je<e& 2013 kes oewjeve Deefle leveeJehetCe& Deee|Leke efiejeJe kee Deehekes yeQke keer
Deeeqmle iegCeJeee hej keg no leke heYeeJe jne.
Je<e& 2013 ceW Yeejleere yeQkeeW ves meeceeve he mes eqmuehespe keer ye[er IeveeSB
osKeeR. Ssmee Yeejle leLee yeenjer efJeeere yeepeej ceW Yeejer Gleej e{eJe keer
eqmLeefle leLee Je<e& 2013 ceW hetjs Je<e& Ge cegemHeerefle leLee Ge yeepe ojeW kes
keejCe ngDee.
meeceeefpeke veee SJeb meMeeerkejCe mebyebOeer mebmeoere mLeeeer meefceefle kee cegbyeF&
ceW oewje
efJee Je<e& 2013 kes oewjeve, Deehekes yeQke ves efMe#ee, mJeemLe, ceefnuee keueeCe
Fleeefo #es$e kes efJeefYeVe mebie"veeW kees ` 699.74 ueeKe oeve mJehe mebefJeleefjle
efkeS. efeee-keueehe Jeej oeve kee mebefJelejCe Fme hekeej mes nw:
ece efeeekeueehe
mebKee
1.
2.
3.
4.
efMe#ee
mJeemLe
ceefnuee keueeCe
meceepe keueeCe efeee-keueehe
oeveeW keer
mebKee
jeefMe
(` ueeKe)
24.00
4.50
2.00
669.24
13
699.74
Ghejese kes Deefleefje, Deehekee yeQke yesjespeieej egJekeeW kees, ye[ewoe mJejespeieej
efJekeeme mebmLeeve kes ceeOece mes ueeYeoeeke mJejespeieej heehle kejves SJeb
Geefcelee leLee keewMeue efJekeeme kes efueS, efpememes Gvekee SJeb Gvekes heefjJeej keer
Deee|Leke eqmLeefle ceW megOeej nes, Deewj Fve mLeeveeW hej efJeefYeVe #es$eere DeLe&JeJemLee
kees efJekeeme efceues, efveMeguke heefMe#eCe os jne nw. Deehekes yeQke kes meYeer DeieCeer
efpeueeW ceW ye[ewoe mJejespeieej efJekeeme mebmLeeve mLeeefhele efkeS ieS nQ. 31 ceee&
2013 kees Deehekes yeQke keer kegue ................... ye[ewoe mJejespeieej
efJekeeme mebmLeeve nQ.
Deehekes yeQke ves ye[ewoe ieeceerCe hejeceMe& keW Yeer mLeeefhele efkeS nQ efpemeceW %eeve
yeebves, mecemee meceeOeeve Deewj osMe Yej ceW ieeceerCe peveeW kees $e+Ce mebyebOeer
meueen oer peeleer nQ. ieeceerCe peveeW ceW efJeefYeVe efJeeere Deewj yeQeEkeie mesJeeDeeW kes
yeejs ceW peeiekelee ueeves Deewj efJeeere meceeJesMeve keer heefeee ceW lespeer ueeves
kes efueS Deehekes yeQke ves efJeeere mee#ejlee Deewj $e+Ce hejeceMe& keW (S]
HeSuemeermeer) keer mLeehevee Yeer keer nQ. 31 ceee& 2013 kees Deehekes yeQke keer
kegue 45 S]HeSuemeermeer nQ.
Deeeqmle iegCeJeee heyebOeve
oyeeJehetCe& Deee|Leke JeeleeJejCe kes keejCe Deeeqmle iegCeJeee kes eqkeesCe mes
efJee Je<e& 2013 yeQeEkeie Geesie kes efueS egveewleerhetCe& jne nw. leLeeefhe, Deehekes
yeQke ves Deheveer Deeeqmle iegCeJeee kees iebYeerj eme mes yeeeves kes efueS melele
ceeveereEjie Deewj SveheerS hees&Heesefueees ceW Jemetueer peejer jKeer. efHej Yeer, efJee
heefleketue Deee|Leke hewjeceerjeW kes heefjMe kes yeeJepeto, Deehekes yeQke kes
heejeqcYeke Mes<e keer leguevee ceW Je<e& kes oewjeve veS eqmuehespe 2.29% jns. Ge
eqmuehespe keer he=Yetefce ceW 31 ceee& 2013 kees mekeue DeefieceeW keer leguevee ceW
mekeue SveheerS 2.40% jnW. HeuemJehe ceee& 2013 kes Deble leke Meg DeefieceeW
keer leguevee ceW Meg SveheerS kee Devegheele ye{kej 1.28% leke hengBe ieee.
efJee Je<e& 2013 ceW Deehekes yeQke kee $e+Ce neefve keJejspe Devegheele (lekeveerkeer
he mes yes Keeles ceW [eues ieS meefnle) 68.24% jne peesefke meeJe&peefveke #es$e
kes yeQeEkeie GheeceeW keer leguevee ceW Deehekes yeQke mes Dehes#eeke=le Ge mlej hej
nw.
meceer#eeOeerve Je<e& kes oewjeve Deehekes yeQke ves MeeKee, #es$e, Debeue Deewj kee@heexjs
mlej hej Jemetueer SJeb $e+Ce DevegheJele&ve kes efueS {ebes keer hejsKee efveOee&efjle
keer. Fmekes DeueeJee heleske [erDeejer meWj ceW vees[ue DeefOekeeefjeeW kees
efJeefJeOe ceeceueeW keer DevegJeleea keee&Jeener kes efueS ueieeee ieee efpememes efke
ef[eer uesves ceW ueieves Jeeues mecee kees kece mes kece efkeee pee mekes leLee Jemetueer
kees ye{eee pee mekes. [erDeejer met ope& SveheerS KeeleeW ceW Jemetueer kes efueS,
yeQke kees heYeeefjle Deeeqmleeeb Deye F&-yeesueer kes ceeOece mes yeseer pee jner nw
leeefke yeQke kees heYeeefjle DeeeqmleeeW kee mecegefele cetue efceue mekes. Fmekes
Deefleefje, Deewj DeefOeke lespe ieefle mes Jemetueer kejves kes efueS SDeejmeer kees
Jemetueer SpeW kes he ceW efveege efkeee ieee nw Deewj mejkeejer heefjmeceeheke mes
mebheke& meeOeves kes efueS hejeceMe&ke efveege efkeS ieS nQ.
Deehekes yeQke ves SveheerS KeeleeW ceW Jemetueer keer mebYeeJeveeDeeW kee helee ueieeves kes
efueS DevegJeleea keee&Jeener heCeeueer hej ]peesj osvee peejer jKee. ye[er jeefMe Jeeues
SveheerS KeeleeW; pewmes ` 25 ueeKe Deewj Gmemes DeefOeke jeefMe kes KeeleeW keer kee@
heexjs keeee&uee mes meerOes DevegheJele&ve kejves keer heCeeueer mes MeeKeeDeeW ves
JekeerueeW, efjkeJejer SpesveW kes ceeOece mes meIeve keee&Jeener megefveeqele ngF&.
Dele efJee Je<e& 2013 ceW SveheerS KeeleeW ceW vekeo Jemetueer ` 625.57 kejes[
jner. en Je<e& 2012 keer Jemetueer jeefMe ` 580.46 kejes[ keer leguevee ceW
DeefOeke nw. Deheies[sMeve efJee Je<e& 2013 kes oewjeve Je<e& 2012 kes ` 336 kejes[
keer leguevee ceW ` 341 kejes[ jne.
efJee Je<e& 2013 kes oewjeve Deehekes yeQke ves ieeBJe/kemyee mlej hej Jemetueer keQhe
ueieekej leLee ueeske DeoeueleeW kes ceeOece mes ess KeeleeW keer Jemetueer hej
efJeMes<e he mes Oeeve keseqvle efkeee. yeQke ves heeslmeenve hej DeeOeeefjle ``mebkeuhe
V'' Jemetueer eespevee eueeeer, efpememes ess KeeleeW ceW Jemetueer ye{eves kee meYeer
meHe meomeeW kee meeLe&ke heeeme/meneesie efceue mekes. Fme eespevee kes
Debleie&le Ssmes KeeleeW efpeveceW ` 15 ueeKe leke keer jeefMe yekeeee nw, ceW efJee Je<e&
2013 kes oewjeve ` 231 kejes[ keer vekeo Jemetueer keer ieF&.
Deehekes yeQke kes Deefiece heesH& eeseuf eees kee Deeeqmle JeieeakejCe yeks eDehe Fme hekeej nw.
43
Deeeqmle Jeie& (mekeue)

ceeveke
mekeue SveheerS
kegue
mekeue SveheerS ceW Meeefceue nw :
DeJeceeveke
mebosnemheo
neefveiele
kegue SveheerS
2012-13
31 ceee&
2013
31 ceee&
2012
324828.74
286542.59
7982.58
4464.75
332811.32
291007.34
4981.15
2661.82
2628.33
1318.71
373.10
484.22
7982.58
4464.75
metevee heeweesefiekeer
he mes efhe[s Jeie& kes ueesieeW kees Gvekeer Je=eJemLee ceW megjef#ele YeefJe<e
kes efueS Deee|Leke megj#ee keer eespevee) ueeiet kejvee, vejsiee kes Yegieleeve
keer mJeeeefuele heefeee, SveheerSme Deewj ScepeerheerSmeJeeF&Sme ueeYeeLeea
Fleeefo pees[s ieS nQ. Dee@m^sefueee keer efme[veer MeeKee ceW keesj yeQeEkeie
meesuetMeve ueeiet efkeee ieee nQ. meg{ lekeveerkeer huew]Heece& ves Deehekes
yeQke kees Je<e& kes oewjeve 100 JeeR Debleje&êre MeeKee Keesueves nsleg me#ece
yeveeee nw. Deehekes yeQke kes meYeer #es. iee. yeQke Yeer meeryeerSme huew]Heece&
DeeOeeefjle nQ Deewj pewmee efke Yeejle mejkeej eje DeefOemetefele efkeee
ieee nw, Deehekes yeQke veW meWûe yeQke Dee@He Fbef[ee Deewj hebpeeye vesMeveue
yeQke kes #es$eere eeceerCe yeQkees keers 350 MeeKeeDeeW kees Deheves Ske #es.
iee. yeQke ceW meHeueleehetJe&ke ceeFies kej efueee nw.
JewkeefuHeke ef[ueerJejer ewveue
Deehekes yeQke ves Iejsuet heefjeeueveeW, efJeosMeer heefjeeueveeW Deewj Deveg<ebieer

heefjeeueveeW kees Oeeve ceW jKeles ngS Sb[ t Sb[ efyepevesme SJeb DeeF&er m^sspeer
heespeske neLe ceW efueS nQ.
DevegYeJe kees yesnlej yeveeves Deewj heeeseevegketue yeveeves kes efueS Deehekes
yeQke ceW Fbjves yeQeEkeie DeLee&le ye[ewoe kevewke (efjsue hees&ue) kees hetjer
lejn mes veee kej efoee ieee nw. Deehekee yeQke Deheves Fbjves yeQeEkeie
ewveueeW ceW ueieeleej Deewj DeefOeke megefJeOeeSb pees[ jne nw. ye{eF& ieF& Deve
megefJeOeeDeeW, pewmes efJeefYeVe jepeeW kee Deeekej Yegieleeve, heeqece yebieeue
keer mejkeejer kej heeeqhle (peerDeejDeeF&heerSme) kee SkeerkejCe, $e+Ce
KeeleeW ceW pecee, efyeue kee Yegieleeve, heOeeveceb$eer jenle kees<e ceW Dee@veueeFve
oeve, F&-yeQeEkeie kes ceeOece mes Fbef[ee ]Hem& ueeFHe FvMeesjWme kes
heerefceece kee Yegieleeve, F&-yeQeEkeie kes eje DeeF&SceheerSme (lJeefjle
Yegieleeve mesJeeSB) Fme Je<e& pees[s ieF& nQ. Deehekes yeQke keer Fbjves yeQeEkeie
megefJeOee meYeer mcee& Heesve/wyeues hej GheueyOe nw Deewj ieenke kees keneR
Yeer yeQeEkeie keer Deejeceoeeke megefJeOee efceueleer nw. Fme Je<e& kes oewjeve
meYeer 13 efJeosMeer kesveW DeLee&le leb]peeefveee, etieeb[e, kesvee, cee@jerMeme,
mesMesume, yeeslmeJeevee, vet]peerueQ[, etSF&, efHepeer ceW Fbjves yeQeEkeie eeuet
kej oer ieF& nw Deewj etkes, Deesceeve leLee Ieevee ceW uesveosve DeeOeeefjle SJeb
Dee@m^sefueee ceW Jet DeeOeeefjle Fbjves yeQeEkeie eeuet keer ieF& nw. yeQke
heeeesefpele meYeer #es$eere ieeceerCe yeQkeeW ceW Jet DeeOeeefjle F&-yeQeEkeie GheueyOe
kejeF& ieF& nQ. Fbjves yeQeEkeie ceW efJeeeme Deewj megj#ee ye{eves kes efueS
Deehekes yeQke ves Yeejle Deewj 5 efJeosMeer kesveW DeLee&le etSF&, etkes, vet]
peerueQ[, kesvee Deewj etieeb[e ceW oesnje heeefOekeej leLee ee@[ cewvespeceW
meesuetMeve yeneue kej GVele megj#ee JeJemLee DeejbYe keer nw Deewj Fmes
SDeejmeerDeeser Deeserheer, heeretSueSue Deeserheer Deewj SmeSceSme Deeserheer
me#ece yeveeee nw.
Deehekes yeQke ves meJeexece skevee@uepeer FveHeem^keej leweej kej Deefle

DeeOegefveke [ee meWj eeuet efkeee nw. Deewj en Dehe eFce Fbmeret
erej 3 kes ceeveob[eW kees hetje kejlee nw. efJeefYeVe Yetkebhe Keb[eW kees Oeeve
ceW jKeles ngS leLee heleske DemeHeuelee efyevog kee ienve efJeMues<eCe kej
ef[peemj efjkeJejer meeF leweej keer ieF& nw efpememes efke ieenkeeW kees
efveyee&Oe yeQeEkeie mesJeeSB efceueleer jnW. Je<e& kes oewjeve yeQke kes [ee meWj
kee Deheves YeJeve ceW vet [ee meWj kes he ceW meHeue ceeFiesMeve nesves kes
yeeo Deehekes yeQke ves ef[peemj efjkeJejer meWj kee efJemleej efkeee efpememes
efke keejesyeej efJekeeme Deewj skevee@uepeer efJemleej kee ueeYe efceue mekes.
Deehekes yeQke ves keF& Deve skevee@uepeer FveermeerSefJe, pewmes eEJe[es meJe&j
Jeeg&DeueeFpesmeve, [smkee@he Jeeg&DeueeFpesmeve leLee yewke [ê@he kebmeeueer[smeve
Meg efkeS nQ. FvnW heee&JejCe GvcegKeer keoce kes he ceW G"eee ieee nw
Deewj Fvemes [ee meWj keer keee&kegMeuelee ceW Je=ef nesieer. SeqhuekesMeve
Jeeg&DeueeFpesmeve, yeQ[efJe[dLe Deheies[smeve, SSmeSce SJeb DeejSmeer ueeiet
kejvee, yeQke kes efJemle=le ves Jeke& kees DeheeFce Deewj ef[ceeb[ Deheies[ kes
Devegmeej veF& skeveeuepeer DeeOeeefjle SceheerSueSme ceW meHeueleehetJe&ke
ceeFiesmeve efkeS ieS nQ. yeQke kes ye{les ngS DeeF&er FveHeem^keej keer cee@
efveeEjie kejves leLee Fmekes heYeeJeer heyebOeve kes efueS SbjheeF]pe cewvespeceW
efmemce kees Deheies[ efkeee ieee Deewj veS cee@[etue mLeeefhele efkeS ieS.
Deehekes yeQke ves meYeer 23 efJeosMeer kesveW ceW keesj yeQeEkeie FveHeem^keej
kees heerS-efjmke mes Fbsefveece meJe&j ceW Deheies[ kej efoee nw leeefke
Deefleefje JeJemeee kes meceLe&ve heehle nes mekes. Je<e& kes oewjeve efJeefYeVe
veF& efveeeceke henueW, pewmes etDeeF&[er mebKee keer eEueeEkeie, DekeeGb vebyej
heese|efJeefueer, kesJeeF&meer mebyebOeer meteveeDeeW kee mebkeueve, Keelee Keesueves
keer mejue heefeee, keesj yeQeEkeie heCeeueer ceW ieeBJe kee kees[ pees[vee,
DeeOeej Yegieleeve Deveghetjke heCeeueer (SheeryeerSmeF&) ueeiet kejvee, DeejSueS]
He Deewj SmeSceF& ceW keWereke=le $e+Ce heesmeseEmeie, MeeKeeDeeW ceW meeryeerSme
uee@efieve kes efueS yeeeescesef^ke heceeCeerkejCe, SveheerSme ueeF (Deee|Leke
44
Fbjves yeQeEkeie DeLee&le ye[ewoe kevewke
Deehekes yeQke ves uesveosve DeeOeeefjle F&-yeQeEkeie ueeiet efkeS ieS Mes<e 6 efJeosMeer
kesveW ceW Yeer ee@[ cewvespeceW meesuetMeve yeneue kejves kee keece Meg kej
efoee nw. Deehekes yeQke ves Decesefjkeer #es$e kes efueS Jet DeeOeeefjle Fbjves
yeQeEkeie, F&-yeQeEkeie kes ceeOece mes heerheerS]He, etSF& kes efueS Fbjves
yeQeEkeie kes ceeOece mes Deblej yeQke efveefOe DeblejCe Yeer DeejbYe efkeee ieee.
Deehekee yeQke eje heeeesefpele #es$eere ieeceerCe yeQkeeW ceW Yeer oesnjs heeefOekeej
Jeeues uesveosve DeeOeeefjle Fbjves yeQeEkeie megefJeOee ueeiet kejves hej efJeeej
kej jne nw.
ceesyeeFue yeQeEkeie ye[ewoe Sce- kevewke

Deehekes yeQke ves Ske Deewj Jewkeequheke ef[ueerJejer ewveue kes he ceW ieenkeeW
kees efJeefYeVe megefJeOee GheueyOe kejeves heeespeve mes ceesyeeFue yeQeEkeie ceW keF&
megefJeOeeSb pees[er nw, pewmes - DeeF&SceheerSme DeLee&le Fefceef[es hesceW mee|Jeme
Jeefe mes Keelee (heer2S) efveefOe DeblejCe, Sveetetheer (vesMeveue etefve]HeeF[
etSmeSme[er huew]Heece&) Fleeefo meceLe& kej yuewkeyesjer, SC[êsF[, eEJe[espe
kes Deefleefje meYeer DeeF&-Heesve Deewj DeeF&-hew[ hej ceesyeeFue yeQeEkeie
Devegheeesie me#ece yeveevee.
Let heesmeseEmeie (Smeerheer) kes ceeOece mes SveF&S]Heer leLee DeejerpeerSme

ueeiet efkeee ieee nw. etieeb[e ceW Yeer DeejerpeerSme Deewj SveF&S]Heer ueeiet
kej efoee ieee nw.
JeeheeefjeeW Deewj Fbjves kes ceeOece mes Kejeroejer kejves JeeueeW eje
megjef#ele Deewj mebjef#ele Dee@veueeFve Kejerooejer kes efueS [sefye
kee[&/esef[ kee[& mebyebOeer Fbjves hesceW iesJes ye[er mebKee ceW heoeve
efkeS pee jns nQ.
Deehekee yeQke DeeF&SceheerSme kes Debleie&le heer2Sce (heme&ve t ceeX) efveefOe

DeblejCe ueeiet kejves kes efueS Yeer heefeeeiele nw Deewj Fbef[ee ]Hem& ueeFHe
FvmeesjWme kes he ceW Dehevee henuee ceexv DeefOeie=nerle efkeee nw. etieeb[e
Deewj etSF& Fleeefo ceW ceesyeeFue yeQeEkeie ueeiet kejves leLee eEJe[espe 8 kes
efueS ceesyeeFue yeQeEkeie SeqhuekesMeve kees meceLe& yeveeves kes efueS Deehekee yeQke
heefeeeiele nw. Fmeves Deheves heeeesefpele #es$eere ieeceerCe yeQkeeW ceW Yeer
ceesyeeFue yeQeEkeie ueeiet kejvee Meg kej efoee nw.
Deehekes yeQke kes ieenkeeW kees vekeoer heyebOeve heCeeueer, Jesye DeeOeeefjle
mebhetCe& vekeoer heyebOeve kee meeOeve GheueyOe kejeleer nw efpemeceW heeeqhle
heyebOeve (mebienCe), Yegieleeve heyebOeve Deewj FvJeeFme heyebOeve (heehe Deewj
ose heyebOeve) Meeefceue nQ.
Deehekes yeQke kes esef[ kee[& heefjeeueve kes efueS veF& efJemle=le heyebOeve SJeb
meneelee kes efueS esef[ kee[& heyebOeve heCeeueer ueeiet keer ieF& nw.
SerSce
Yeejle ceW efJeosMeer cege keejesyeej kes efueS DeefOeke=le meYeer MeeKeeDeeW Deewj
Fme Je<e& etkes Deewj Dee@m^sefueee kees Fmeces Meeefceue kejves kes meeLe meeLe
Deye 22 efJeosMeer kesveW meefnle efJeeYej ceW Deblej yeQke efJeeere meches<eCe
kes efueS eqmJeHe megefJeOee GheueyOe nw.
Deehekes yeQke kes yesnlej efve<heeove, lJeefjle SerSce uesveosve SJeb Deemeeve
SerSce hemeej Fme Je<e& ne[&Jesej Deheies[sMeve kes meeLe Deehekes yeQke kes
SerSce eqmJee kees pewmeer keF& GVele efJeMes<eleeDeeW kes meeLe Gelej Jepe&ve
ceW Deheies[ efkeee ieee. Yeejle, etSF&, Deesceeve, cee@jerMeme, ef]Hepeer, leb]
peeefveee, yeeslmeJeevee, ef$eefveoeo SJeb esyesiees leLee vet]peerueQ[ ceW SerSce
eqmJee Deheies[ efkeS ieS. Je<e& kes oewjeve ieenke keseqvle keF& henueW pewmes
hes SerSce kee[&, hes heerDeesSme Deewj hes kesmeermeer kee[&, yeeGve uesyeue
SerSce, Fbef[ee ]Hem& ueeFHe FvmeesjWme hee@efuemeer OeejkeeW kes efueS
SerSce eje yeercee heerefceece kee Yegieleeve, SerSce DeblejCe jmeero kee
efnvoer ceW cegCe, iegpejeleer, ceje"er Deewj leefceue Yee<ee ceW mes #es$eere Yee<ee
meerve kee egveeJe, eqnerve JeefeeeW kes efueS yeesueves Jeeuee SerSce,
Yeejle ceW SerSce/heerDeesSme ceW ee@[ cewvespeceW meesuetMeve ueeiet efkeS ieS.
Deehekes yeQke ves Deheves #es$eere ieeceerCe yeQke ceW Yeer hes SerSce Deewj hes
kesmeermeer kee[& meHeueleehetJe&ke ueeiet efkeee nw.
Deehekes yeQke ves keg Deewj ieenke keseqvle henueW keer nQ, pewmes SerSce kes
eje legjble Yegieleeve mesJee (DeeF&SceheerSme), SerSce meerve ceW #es$eere
Yee<eeDeeW (ceueeeuece, lesuegiet, keVe[, yebieeueer kes efueS) kee eeve,
SerSce eje eske yegke kee DevegjesOe, SerSce eje SveF&S]Heer, hes
F&- kee@ceme&, uesveosve veneR nesves Jeeues kee[& kes efueS ceuer-Hewkej
heceeCeerkejCe, etSF& ceW Jeerpee [sefye kee[&, ef]Hepeer kes efueS yeerSmeheer (yeQke
meeGLe hewefmeefHeke) FbjeWpe, SerSce kes ceeOece mes heer-hew[ kee[& kee
Yegieleeve, Yeejle, Deesceeve Deewj cee@jerMeme ceW efehe DeeOeeefjle kee[& ueeiet
kejvee, kee[& mes kee[& ceW efveefOe DeblejCe, SerSceeW kes ceeOece mes efyeueeW
kee Yegieleeve Fleeefo.
Yegieleeve leb$e
2012-13
Deehekes yeQke keer meYeer MeeKeeDeeW (pees meeryeerSme mecee|Lele nQ) ceW
DeejerpeerSme Deewj SveF&S]Heer kes ceeOece mes Deblej yeQke Oevehes<eCe neslee
nw. Deehekes yeQke kes Fbjves yeQeEkeie hees&ue ceW Yeer DeejerpeerSme Deewj
SveF&S]Heer Meg kej oer ieF& nw. yeQke Deewj #es.iee. yeQke oesveeW ceW ner m^s
Yeejle ceW meYeer DeefOeke=le MeeKeeDeeW leLee Fme Je<e& etkes Deewj Dee@m^sefueee
kees Fmeces Meeefceue kejves kes meeLe meeLe 22 efJeosMeeW kesveW ceW hesceW
cewmeseEpeie meesuegMeve ueeiet efkeee ieee nQ. heerSmeSme kes ceeOece mes
meeryeerSme eje eqmJeHe ceevekeeW kes Deveghe leweej eqmJeHe mebosMeeW keer
JewOelee SJeb Hee@cexeEie keer megefJeOee heehle nesleer nw Deewj en SSceSue peebe
mes Yeer iegpejlee nw.
meceer#eeOeerve Je<e& kes oewjeve, efouueer kes Deefleefje oef#eCeer jepeeW,

keesuekeelee, uegefOeeevee Deewj eb[erie{ kes meYeer ceeFkej kesveW ceW efie[
DeeOeeefjle eske êbkesMeve efmemce (meererSme) ueeiet efkeee ieee nQ.
Deehekee yeQke cegbyeF& Deewj ceneje^, iegpejele Deewj ceOe heosMe heeqeceer kes
efie[ ceW Yeer meererSme ueeiet kejves kes efueS heefeeeiele nw.
cegbyeF& ceW Dee@escess[ eske heesmeseEmeie keW (DeeJeke SJeb peeJeke) kee
MegYeejbYe efkeee ieee Deewj heespeske veJeefvecee&Ce kes Debleie&le efyepevesme
heesmewme jer-FbpeerefveeeEjie kes Yeeie kes he ceW Fme Je<e& metjle Deewj
Denceoeyeeo kees Yeer FmeceW pees[e ieee nw.
Fme Je<e& efJeefveeeceke Devegheeueve nsleg, Yeejle SJeb yesequpeece kees pees[kej
22 efJeosMeer kesveW hej Sber ceveer ueeWef[^vie kees keeee&eqvJele efkeee ieee nw.
Deehekes yeQke ves peesefKece heyebOeve meesuetMeve Yeer keeee&eqvJele efkeee nw.
Deehekes yeQke ves Deheveer meYeer heeeesefpele #es. iee. yeQke ceW Hespe 1 kes
Debleie&le Sber ceveer ueeWef[^vie keeee&eqvJele efkeee nw Deewj Sber ceveer ueeWef[^vie
Hespe 2 heefeeeiele nw.
Deve henueW
Deehekes yeQke ves ieenke kees yesnlej mesJeeSB GheueyOe kejves kes GsMe mes
veF& henue kes he ceW ieenke mebyebOe heyebOeve keeee&eqvJele efkeee nw. efpemeceW
ieenkeeW keer meblegeq Deewj efvee kees yesnlej yeveeves kes efueS GvnW mebheke&
45
2012-13
kesveW hej Heesve eje megefJeOeeSb oer peeleer nQ. ceewpetoe ieenke/mebYeeefJele
ieenke esue Heer vebyej (1800223344 SJeb 18001024455) hej mebheke&
kej mekeles nQ peneb efvecveefueefKele megefJeOeeSb GheueyOe nQ:
eske yegke peejer kejvee
Glheeo SJeb mesJeeDeeW kes yeejW ceW peevekeejer
Keelee mebyebOeer hetlee Mes<e, DeblejCe, eqkeueeeEjie keer jeefMe Fleeefo
SerSce kee[& keer ne@-efueemie
Yegieleeve jeskevee ceee\keie/Deve ceee\keie
[sefye kee[& peejer kejves nsleg DevegjesOe
[sefye kee[& efheve hegve peejer kejves nsleg DevegjesOe
F&-yeQeEkeie Gheeesiekelee&DeeW keer meneelee
ceesyeeFue yeQeEkeie heemeJe[& hegve peejer kejvee
er-efheve peejer kejves keer Dee@veueeFve (keeiepe jefnle) megefJeOee
Deehekes yeQke kes keejesyeej efJekeeme ceW keee&veerefleke efveCe&e uesves ceW
ceooieej meeefyele nesleer nw Deewj GeceeW keer mecesefkele efjhees& Yeer GheueyOe
kejeleer nw.
Yeejle ceW Deehekes yeQke kes meYeer keeee&ueeeW ceW keWereke=le hes-jesue, Jesleve
cee@[etue, F&-er[erSme cee@[etue SJeb DeJekeeMe cee@[etue keeee&eqvJele efkeS
ieS nQ.
Deehekes yeQke ves JeeJemeeefeke keee&veerefle keer Ske henue kes he ceW
ueeerueer SJeb keee&veerefleke meteveeDeeW kee FbjSeqkeJe eesle heoeve kejves
kes efueS [ee Jesej neGme, ieenkeeW kees yesnlej lejerkes mes mecePeves kes
efueS ieenke mebyebOe heyebOeve SJeb etefve]Heesce& kemcej Jet Deee@me ewveue
heejcYe efkeS nQ.
Deehekes yeQke eje keee&veerefle kes Ske Yeeie kes He ceW Deemeeveer mes
cenlJeHetCe& metevee GHeueyOe kejeves nsleg [seJesDej neTme, eenkeeW kees
mecePeves SJeb meYeer ewveueeW Hej meceHe eenke o=ef<keesCe DeHeveeves kes
efueS eenke mebyebOe eyebOeve kees DeHeveeee nw.
Deehekes yeQke kes GlheeoeW Deewj mesJeeDeeW kes yeejs ceW ceewpetoe ieenke/heleeefMele
ieenkeeW kees Deve peevekeejer Yeer GheueyOe kejeF& peeleer nw. meerDeejSce SeqhuekesMeve
kees efyeeer keeee&ueeeW pewmes efjsue ueesve Hewkeêr (DeejSueS]He) Deewj efmeer mesume
Dee@efHeme (meerSmeDees) mes Yeer pees[e ieee nw. efpemeceW ieenkeeW eje mebheke& kesveW ceW
Glheeo mebyebOeer keer ieF& hetlee kes DeeOeej hej ueer[ leweej efkeee peelee nw Deewj
Fmes Fve keeee&ueeeW ceW Deieueer keee&Jeener nsleg Yespee peelee nw.
Deehekes yeQke ves ceewpetoe SeqhuekesMeve pewmes efJeefvecee, GVele efJeMes<eleeDeeW kes
meeLe F&-efyepevesme met, meceie ieenke mebyebOe heyebOeve, SeDeejSveF&Sme
Deewj GeceJeej ceneyener cee@[etue kees Deheies[ efkeee nw.
Deehekes yeQke ves mebheke& kesveW kes ceeOece mes Jemetueer keer heefeee Yeer hetjer kej
ueer nw efpemeceW ieenkeeW kees Gvekeer F&SceDeeF& Deewj ose jeefMe kes yeejs ceW metefele
efkeee peelee nw. Fmemes ieenkeeW kees ose efleefLe hej F&SceDeeF&/ose jeefMe pecee
kejves ceW megefJeOee nesleer nw.
efJeeere meceeJesMeve kees meHeue yeveeves nsleg keejesyeej heefleefveefOe eje Dee@
veueeFve Deewj Dee@HeueeFve oesveeW ceeOeceeW mes Keelee Keesueves Deewj uesveosve
nsleg, metevee heeweesefiekeer megefJeOeeSb efJekeefmele keer ieF& nw. efJeeere
meceeJesMeve nsleg heeeue DeeOeej hej iegpejele, Gej heosMe SJeb efyenej ceW
ceesyeeFue Jeenve eje yeQeEkeie mesJee heejcYe keer ieF& nw.
Deehekes yeQke ves yesnlej Deewj lJeefjle ieenke mesJee kes GsMe mes ueesve
heesmeseEmeie (efjsue, ke=ef<e Deewj SmeSceF&) cee@[etue kees hetCe& he mes
mJeeeefuele kej efoee nw. Deehekee yeQke DeeJeeme $e+Ce, Dee@es $e+Ce SJeb
efMe#ee $e+Ce kes efueS eEmeieue eqkeueke Dee@veueeFve $e+Ce DeeJesove Heerej
GheueyOe keje jne nw.
Deehekee yeQke efce[-kee@heexjs Deewj kee@heexjs ieenkeeW kes ueesve heesmeseEmeie kees
mJeeeefuele kejves pee jne nw.
Deehekes yeQke kes Kegoje Deewj kee@heexjs ieenkeeW kees efjsue ef[hee@ef]pejer
mesJeeSB GheueyOe kejeF& pee jner nQ. SveSme[erSue Deewj meerSme[erSue oesveeW
ner kes efueS ef[hee@ef]pejer mesJeeSB GheueyOe kejeves kes efueS MeeKeeDeeW kees
keWereke=le ef[hee@ef]pejer SeqhuekesMeve mes meeqppele efkeee ieee nw. Dee@
veueeFve ^seE[ie heCeeueer eje Deehekee yeQke Deheves ieenkeeW kees Dee@veueeFve
mesJeeDeeW kee Ske mechetCe& mes GheueyOe keje jne nw efpememes ieenke
FeqkeJeer, cetegDeue ]Heb[, yee@C[dme Deewj eejbefYeke heeqyueke Dee@Hej
(DeeF&heerDees) pewmes FvmceW keer ^seE[ie kejles nQ.
Deehekes yeQke keer mesJeeDeeW keer meghego&ieer kees yesnlej yeveeves kes efueS efmeer
yewke Dee@efHeme Deewj jerpeveue yewke Dee@efHeme ceW yewke Dee@efHeme HebkeMeve kees
keWereke=le efkeee ieee nw. Deehekes yeQke ceW Deye kegue 70 efmeer yewke Dee@
efHeme Deewj 10 jerpeveue yewke Dee@efHeme nw. Jeefeiele DeeOeej hej eske
yegke peejer efkeee peevee Yeer keWerke=le efkeee ieee nw. Deehekes yeQke ves
keWerke=le S]HemeerSveDeej heefjeeueve kee Yeer MegYeejbYe efkeee nw.
heefjeeueve ueeiele kece kejves SJeb yesnlej efveefOe heyebOeve nsleg etkes etSF&,
yeneceeme, yenjerve, ne@biekeebie, eEmeieehegj, yesequpeece Deewj Yeejle ceW
Skeerke=le iueesyeue ^spejer meesuetMeve kees keeee&eqvJele efkeee ieee nw.
Gece Jeej ceneyener meesuetMeve keeee&eqvJele efkeee ieee nw. en megefJeOee
46
metevee megj#ee
eeweesefiekeer mes mebyeefOele KelejeW kes cesvepej meceer#eeOeerve Je<e& kes oewjeve
Ske meg{ metevee megj#ee heyebOeve heCeeueer mLeeefhele keer ieF& nw. yeQke ves
Deheves keesj yeQeEkeie meesuegMeve leLee Deve meYeer SeqhuekesMeveeW, meeLe ner
[ee meWj Deewj ef[peemej efjkeJejer meWj FveHeem^keej kee yeenjer
SpeWmeer mes Dee@ef[ kejeee nw.
Deehekes yeQke ves GVele metevee heeweesefiekeer megj#ee kes efueS Ske megj#ee
heefjeeueve keW (SmeDeesmeer) mLeeefhele efkeee nw.
Deehekes yeQke kee [ee meWj Deewj ef[peemj efjkeJejer meWj oesveeW ner
DeeF&SmeDees 27001 eje heceeefCele nw.
Fbjves yeQeEkeie, SerSce leLee heerDeesSme kes efueS Deehekes yeQke ves ee@[
cewvespeceW meesuetMeve keeee&eqvJele efkeee nw. Fbjves yeQeEkeie ceW megj#ee

Deewj efJeeeme ye{eves kes efueS Deehekes yeQke ves, oesnje heceeCeerkejCe meefnle
ee@[ cewvespeceW meesuetMeve Yeejle ceW leLee heeBe efJeosMeer kesveW DeLee&le
etSF&, etkes, vet]peerueQ[, kesvee Deewj etieeb[e ceW DeejbYe efkeee nw Deewj Fmes
SDeejmeerDeeser Deeserheer, heeretSueSue Deeserheer Deewj SmeSceSme Deeserheer
meceLe& efkeee nw.
Deehekes yeQke ves megj#ee Gheee kes he ceW, Deheves meYeer ieenkeeW eje
Jewkeequheke [sueerJejer ewveue kes ceeOece mes efkeS ieS meYeer DeblejCe Deewj `
5000/- Deewj Gmemes DeefOeke jeefMe kes meYeer meeryeerSme uesveosveeW kes efueS
SmeSceSme Deue& ef[ueerJejer megefJeOee Yeer keeee&eqvJele keer nw.
Deehekes yeQke ves Skemeve&ue HeseEMeie SeqhuekesMeve, F&-yeQeEkeie uee@ie ceesefveeEîe

Fleeefo kes efueS efveeefcele JeerSheerer (mebJesovelee cetueebkeve SJeb JesOeve
peebe) kejeF& nw.
Deehekes yeQke ves ieenkeeW kes efnleeW keer j#ee kes efueS MeeKeeDeeW ceW nes jns
mebefoiOe DeblejCeeW keer efove heefleefove efveiejeveer kes efueS ee@[ efjmke
cewvespeceW efmemce keeee&eqvJele efkeee nw.
peyeefke meeFyej Dewke Deye Deewj DeefOeke DeheleeefMele nes iees nQ Deewj
Fueskeêsefveke DeblejCe veS hekeej kes ogheeesieeW kes heefle mebJesoer nes mekeles
nQ, en DeleeJeMeke nes ieee nw efke yeQke Deye Ssmes KelejeW mes yeeves kes
efueS leLee vegkemeeve kees vetvelece /Metve kejves kes efueS keg vetvelece
peebe Deewj meblegueve keeece kejW. vegkemeeve kees veetvelece kejves kes efueS
Deehekes yeQke ves efvecveefueefKele Deefleefje megj#ee Gheee efkeS nQ Deewj Fmes
MeerIe ner DeejbYe efkeee peeSiee:
meYeer veS [sefye Deewj esef[ kee[& leye leke kesJeue osMeer Gheeesie kes
efueS peejer efkeS peeSbies peye leke efke ieenke Debleje&êre Gheeesie
nsleg efJeMes<e He mes ceebie ve kejW.
ceewpetoe cewiemêrhe kee[& kees F&SceJeer efehe kee[& ceW heefjJee|lele efkeee
peeSiee.
efheve mecee|Lele heerDeesSme
kee@heexjs Fbjves yeQeEkeie kes efueS ef[efpeue nmlee#ej eje

Deefleefje megj#ee meceLe& yeveevee
hele#e ueeYe DeblejCe
Deehekes yeQke ves cenelcee ieebOeer jeêre ieeceerCe jespeieej ieejber

DeefOeefveece (ScepeerSveDeejF&peerS) kes Debleie&le cepeotjer kee Yegieleeve Deewj
DeeOeej Deveghetjke efmemce (SheeryeerSme) kes Debleie&le ueeYeeLeea kees meerOes
DeblejCe kes efueS keoce G"eS nQ.
Deehekes yeQke ves cevejsiee DeblejCe kes efueS, jepemLeeve kes meebieevesj yuee@ke
ceW Fme Je<e& Ske heeeue heespeske DeejbYe efkeee nQ Deewj ` 86,54,676/jeefMe kes 9,593 DeblejCe heesmewme efkeS nQ.
Deehekes yeQke ves SheeryeerSme kes Debleie&le, 1,31,735 DeeOeejkee[ex kees
KeeleeW mes eEueke efkeee nw Deewj 6635 ueeYeee|LeeeW kees ` 49,01,659/kee esef[ heoeve efkeee nw.
2012-13
hele#e ueeYeeLeea DeblejCe kes Debleie&le Deehekes yeQke ves kesvere heespeske
eespevee efveiejeveer heCeeueer (meerheerSmeSceSme) kes Debleie&le kes meeLe Ske
Deewj heespeske DeejbYe efkeee nw.
F&-efyepevesme
Deehekes yeQke kee F&-efyepevesme efJeYeeie efJeefYeVe hekeej kes Jewkeequheke

ef[efueJejer ewveueeW pewmes SerSce, Fbjves yeQeEkeie (ye[ewoe kevewke),
ceesyeeFue yeQeEkeie, DeejerpeerSme/SveF&S]Heer, Heesve yeQeEkeie Fbjves hesceW
iesJes (DeeF&heerpeer), mebheke& keW Fleeefo keer megefJeOeeSb heoeve kejlee nw.
Fmekes Deefleefje, Deehekes yeQke kee F&-yeQeEkeie efJeYeeie ef[heesefpejer
mesJeeDeeW, vekeoer heyebOeve mesJeeDeeW kee keee& Yeer osKelee nw.
Fme Je<e& Deehekes yeQke ves efJeefYeVe hekeej kes [sefye kee[&, pewmes ceeFmês
efheve [sefye kee[& Deewj hes [sefye kee[& kee MegYeejbYe efkeee nw. Fmekes
Deefleefje, Deehekes yeQke ves veS hekeej kee heer hew[ kee[& DeLee&le ye[ewoe
^wJeue F&]peer etSme [e@uej ^wJeue kee[& kee Yeer MegYeejbYe efkeee nw.
pegueeF& 2012 ceW Deehekes yeQke ves efjsue ieenkeeW kes efueS Dee@veueeFve ^seE[ie
keer megefJeOee kee MegYeejbYe efkeee nw.
efJee Je<e& 2013 kes oewjeve F&-efyepevesme efJeYeeie kes efJeefYeVe DevegYeeieeW kee
heoMe&ve veeres meejCeerye nw:
efJeJejCe
31/03/2012 31/03/2013 Je<e& kes

oewjeve Je=ef
heefjeeefuele SerSce keer

mebKee
peejer [sefye kee[& keer
mebKee (ueeKe)
2012
2630
618
80.44
103.76
23.32
efJee Je<e& 2013 kes oewjeve veF& henueW leLee GheueeqyOeeeb

ke) ceeFmês efheve [sefye kee[& : Dehewue 2012 ceW MegYeejbYe
Ke) hes [sefye kee[&: efmelebyej 2012 ceW MegYeejbYe
ie) Dee@vemeeF SerSce meYeer Dee@vemeeF SerSce ceW eske [ê@he yee@keme
mLeeefhele kejvee
Ie) efoveebke 5 efomecyej 2012 mes veeieefjke yeele KeeleeW ceW [sefye kee[&
peejer efkeee peevee
ye[ewoe kevewke (Fbjves yeQeEkeie)
efJeJejCe
heeeseeDeeW keer mebKee
mecye KeeleeW keer
mebKee
31/03/2012 31/03/2013
Je<e& kes
oewjeve Je=ef
810430
1076635
266205
3249216
4579969
1330753
efJee Je<e& 2013 kes oewjeve veF& henueW

ke) ye[ewoe kevewke kes ceeOece mes $e+Ce KeeleeW ceW esef[/DeblejCe
47
2012-13
Ke) SveDeejDeeF& kes efueS Dee@veueeFve heerDeeF&Dees mecee|Lele/ S]He[erDeej

ie) Fbef[ee ]Hem& FbMeesjWme kes heerefceece kee Dee@veueeFve Yegieleeve
ye[ewoe DeejerpeerSme/SveF&SHeer
efJeJejCe
DeeJeke
mebJeJenejeW keer
mebKee
peeJeke
mebJeJenejeW keer
mebKee
Debelf ece ceen DeLee&le
ceee& kes oewjeve
heelf eefove Deewmeleve
(DeeJeke) mebJeJenej
heelf eefove
Debeflece ceen
DeLee&le ceee& kes
oewjeve heefleefove
Deewmeleve (peeJeke)
mebJeJenej
heefleefove
2011-12
SveF&SHeer
DeejerpeerSme
SveF&SHeer
16,62,070
61,37,139
21,83,550
1,31,42,497
21,47,527
29,48,252
27,45,872
53,77,922
7,720
28,376
9,929
76,361
13,211
11,713
25,092
ye[ewoe vekeoer heyebOeve mesJeeSb (yeermeerSceSme)
[sefye kee[& kes DemeHeue mebJeJenej keer efMekeeele mebheke& keW kes ceeOece
mes hebpeerke=le kejves keer MegDeele keer ieF&.
DeheJeemeer YeejleereeW (SveDeejDeeF&) kes efueS mebheke& keW keer MegDeele.
2012-13
DeejerpeerSme
9,338
SveDeejDeeF& ieenkeeW kes efueS yeQeEkeie kees Deewj megefJeOeepeveke yeveeves kes efueS Debeue
keeee&uee, ueKeveT ceW heLece kee@bske meWj kee MegYeejbYe
mebheke& keWes kes efueS ceevekeerke=le peve efMekeeele efveJeejCe heCeeueer

(ieenke efMekeeeleeW kes hebpeereve kes efueS) keer MegDeele keer ieF&.
Deehekes yeQke kes oes DebeueeW cegKele ye=no cegbyeF& Debeue Deewj Gejer Debeue
ceW Dehewue, 2013 ceW efjsue $e+Ce keer Jemetueer (F&SceDeeF&) F&meerSme kes
ceeOece mes heeeesefieke leewj hej MegDeele keer ieF&.
Deehekee yeQke jeêre mJeeeefuele meceeMeesOeve ie=n (F&meerSme esef[) kes

heeeesefieke MegDeele kes efueS leweej nw.
Deehekes yeQke ceW mebheke& keW kes ceeOece mes efMekeeeleeW kes hebpeereve
(SmeheerpeerDeejSme hees&ue) keer MegDeele keer ieF& nw.
efJee Je<e&, 2013 kes oewjeve yeermeerSceSme ceW mebJeJenejeW keer kegue mebKee
efJee Je<e&, 2012 ceW 14.19 ueeKe keer leguevee ceW 30.91 ueeKe jner,
meeLe ner kegue ve&DeesJej efJeeere Je<e&, 12 kes .10,355 kejes[ keer
leguevee ceW .27,480.62 kejes[ jne. efJee Je<e&, 2013 kes oewjeve
.97.27 ueeKe kee ueeYe Dee|pele efkeee ieee.
efJee Je<e&, 2014 kes efueS hemleeefJele henueW /keee&veerefleeeb
50 F&-uee@yeerpe keer MegDeele (SerSce kes meeLe, yeuke vees Skemeshj,

mJeeb mesJee heemeyegke eEhej efkeeesmke, Fbjves yeQeEkeie efkeeesmke, eske
pecee ceMeerve Deewj Heesve yeQeEkeie megefJeOee).
ieenkeeW keer kegue mebKee 31.03.2012 kes 206 mes ye{kej 31.03.13
kees 308 nes ieF&.
meYeer ye[ewoe veskem MeeKeeDeeW ceW mJeeb mesJee heemeyegke eEhej efkeeesmke
kees ueieevee.
Fve mesJeeDeeW kees eefceke leewj hej 100 Deewj keWeW hej efJemleeefjle efkeS
peeves kee hemleeJe nw.
50-100 yeuke vees Skemeshj ueieevee.
SerSce /[sefye kee[&
ye[ewoe F&-iesJes (Debleje&êre Yegieleeve iesJes)
kee[& mes kee[& mLeeveeblejCe
SerSce efyeue hes
iewj-Jeefeiele [sefye kee[&
yeeeescesef^ke SerSce /[sefye kee[&
efJee Je<e&, 2013 kes oewjeve keer ieF& veF& henueW
SerSce kes ceeOece mes vesHe (SveF&SHeer)
efjsue ieenkeeW kes efueS Dee@veueeFve ^seE[ie keer MegDeele.
e@eEkeie SerSce
ye[ewoe ^wJesue F&peer egSme [e@uej ^wJesue kee[& kee MegYeejbYe efkeee ieee.
SerSce kes ceeOece mes eske yegke kes efueS DevegjesOe.
48
31 ceee& 2013 leke, kegue 148 ceeXeW kee hebpeerkejCe efkeee ieee pees
efke 31 ceee&, 2012 leke 124 Lee. efJee Je<e&, 13 kes oewjeve kegue
ve&DeesJej .50.85 kejes[ jne. efJee Je<e&, 2013 kes oewjeve Fme keee&
mes .65.68 ueeKe kee ueeYe Dee|pele ngDee.

ye[ewoe keveske (Fbjves yeQeEkeie)
meeJeefOe pecee jmeero kee Dee@veueeFve heefjhekeJelee hetJe& Yegieleeve.
yeele yeQke Deewj DeeJeleea pecee keer Dee@veueeFve megefJeOee.
keegSveS keer ceoo mes (hebpeerke=le ieenkeeW kes efueS) megefJeOeepeveke uee@ie
Fve efyevee Jeve-eFce-heemeJe[& kes heoeve kejvee.
"ye[ewoe
ves yeQeEkeie kes ceeOece mes DeeF&SceheerSme kee Yegieleeve.
keveske" kes keeheexjs hees&ue kes hespeeW kees veee he osvee.
ye[ewoe Sce-keveske (ceesyeeFue yeQeEkeie)
ceeX YegieleeveeW kees ueeiet kejvee.
Hee@[ cewvespeceW meesuegMeve kee keeee&vJeeve kejvee.
ye[ewoe heer-hes[ kee[&
ye[ewoe efieHe kee[& kees Dee@veueeFve peejer kejvee.
hegve: Yejs peeves eesie kee[& peejer kejvee
mebheke& keW
Jemetueer Deewj efyeeer kes efueS DeeGyeeGv[ kee@ue.
Jesye ew
SmeSceSme/Jee@eme/F&-cesue yueem.
efJemleeefjle DeeF&JeerDeej (DeLee&le ueIeg efJeJejCeer, Keelee efJeJejCeer kes efueS

DevegjesOe)
ceeveJe mebmeeOeve
ueeYeeesie Deewj iegCeelke efJekeeme kes efueS ceeveJe mebmeeOeve kee efJekeeme Deehekes
yeQke keer meceie keee&veerefle kee Ske mebJesoveMeerue Ieke nw.
Deepe, Deehekes yeQke kes heeme me#ece Je DeleefOeke hesefjle ueieYeie 43,108
kece&eeefjeeW kee DeeOeej nw efpemeves yeQke kes Jeeheke JeJemeeefeke heefjeeueve
kees mebYeeue jKee nw.
Deehekes yeQke ves yeQke ceW mebege SJeb efpeccesoej ceeveJe mebmeeOeve mebmke=efle yeveeves
kes efueS yengle ner meblegefuele kece&eejer veerefle DeheveeF& nw pees efJekeeme kees ye{eves
Deewj Deepe kes mecee keer efJeefYeVe egveewefleeeW pewmes ye[er mebKee ceW mesJeeefveJe=efe,
ye[er mebKee ceW heefleYeeDeeW keer Yeleea, heefMe#eCe keer JeeHeke DeeJeMekelee Deewj
2012-13
GejeefOekeej keer mecemee Je Glheeokelee kee meecevee kej mekes. heespeske mheMe&
pewmeer Devet"er SJeb mechetCe& Geesie peiele ceW DeoYegle ceeveJe mebmeeOeve heeblejCe
heespeske kes ceeOece mes Ske Jeeheke SeDeej keee&veerefle Deewj {ebee yeveeee
ieee nw.
ceeveJe mebmeeOeve heeblejCe keer en ee$ee Deiemle, 2011 ceW Meg ngF& Deewj
efheues Ske Je<e& ceW Deehekes yeQke ves Deveske cenlJehetCe& SeDeej henueW Meg keer
nQ. pees efke YeefJe<eesvcegKe nQ Deewj yeQke Dee@]He ye[ewoe kees Gmekes kece&eeefjeeW kes
efueS Ske yesnlejerve peien yeveeves kes efueS DeejbYe keer ieF& nQ. Fmekes efueS
Deehekee yeQke es SeDeej veerefleeeb Je heefeee efvee|cele kejvee eenlee nw
efpemekes ceeOece mes en Deve meYeer yeQkeeW kes efueS DeeoMe& yeve mekes, Deheveer
ceeveJe hetbpeer kee DeefOekelece ueeYe G"e mekes Deewj kece&eejer keer Glheeokelee ceW
DeefOeke megOeej uee mekes.
heefleYee heyebOeve JeJemLee kee ie"ve yeQke ceW Deieueer esCeer kes vesle=lJe kees
leweej kejvee
Deehekes yeQke ves YeefJe<e keer Deieueer hebefe kes vesle=lJe efJekeeme kes efueS heefleYee
heyebOeve heCeeueer keer mLeehevee kes eje Ske ye[e keoce G"eee nw peesefke YeefJe<e
kes ueer[me& keer heneeve kejlee nw leeefke Deieues heebe Je<eeX ceW vesle=lJe Deblejeue mes
G"ves Jeeues peesefKece kees heYeeJeer {bie mes kece efkeee pee mekes Deewj ueer[me& kees
Ske JeJeeqmLele efJekeeme SpesC[e kes ceeOece mes heefMeef#ele efkeee pee mekes.
JeJeeqmLele Je megieef"le heefeee kes ceeOece mes yeQke ves ueieYeie 15.0% mes
20.0% ueesieeW kees, pees efJeefYeVe mkesue kes DeefOekeejer pewmes mkesue-III, IV,V Deewj
VI ceW nw, YeefJe<e kes ueer[j kes he ceW eeefvele efkeee. Gve ceW mes heleske kes
efuees heefMe#eCe eespevee yeveeF& ieF& nw. Fme heesmesme kees Jeee|<eke keee& kee he
efoee ieee nw efpememes eeefvele ueesieesb kes hetue Deewj efJeefYeVe heefleYee heyebOeve
ieefleefJeefOeeeW keer ueieeleej meceer#ee keer pee mekes SJeb heefj<ke=le efkeee pee mekes.
Deheveer lejn kes henues "ye[ewoe Jeee|<eke ueer[jMeerhe meccesueve" keer DeJeOeejCee
leweej keer ieF& efpememes heefleYee hetue kes meomeeW kes yeQeEkeie Deewj Geesie keer
heJe=efeeeW kes mebyebOe ceW eqkeesCe kees Jeeheke yeveeee pee mekes Deewj GvnW Deheves
meneesefieeeW Je yeQkeeW ceW Jeefj vesle=lJe mes peg[ves ceW ceoo efkeee pee mekes. Fme
lejn kee henues meccesueve kee Deeeespeve cegbyeF& ceW 11 12 Deiemle 2012 kees
ngDee
keeheexjs keeee&uee, cegbyeF& ceW 8 ceee& 2013 kees Debleje&êre ceefnuee efoJeme hej Ske efJeMes<e
keee&ece Deeeesefpele efkeee ieee.
49
2012-13
veereflehejke eceMeefe Deeeespevee Deewj Yeleea keee&veerefle
ye[ewoe ceefCeheeue mketue Dee@He yeQeEkeie
Deehekes yeQke eje ceeveJe Meefe keer pejle kee helee ueieeves kes efuees Ske
meMee ceeveJe Meefe Deeeespevee cee@[ue kee efJekeeme efkeee ieee nw, Fmekeer
ceoo mes Deehekes yeQke ves Deieues keg Je<eeX kes efueS veereflehejke eceMeefe
Deeeespevee DeejbYe keer nw efpememes efJeefYeVe Deve SeDeej keee& pewmes Yeleea
Deeeespevee, kewefjej GVeefle, efjefeeeb Je heomLeehevee Je lewveeleer ceW ceoo efceue
mekes.
ye[ewoe ceefCeheeue mketue Dee@He yeQeEkeie Hem& [s, Hem& DeeJej hees[eqkeefJeer
cee@[ue hej efJeeee|LeeeW kees yeQke Dee@]He ye[ewoe ceW yeQeEkeie kewefjej kes efueS GvnW
heefMeef#ele kejves kes efueS yeQke Dee@]He ye[ewoe Deewj ceefCeheeue iueesyeue SpetkesMeve
keer mebege henue nw. efJeeeLeea Ske Je<eeae mebkeWefle keee&ece kes lenle
heefMe#eCe heehle kejles nQ peesefke yeQke keer DeeJeMekeleeDeeW kes Deveghe leweej
efkeee ieee nw Deewj nceejs yeQke ceW heesyesMevejer DeeefHemej kes he ceW efueS peeves
kes henues Jes yeQeEkeie Je efJee ceW heesm-iespegS ef[hueescee neefmeue kejles nQ.
Deehekes yeQke ves Ske mhe heefjYeeef<ele Yeleea veerefle leweej keer nw peesefke efJeefYeVe
ewveueeW mes Yeleea kees Jeeheke DeeOeej osves, veereflehejke ece Meefe Deeeespevee
kes Devegmeej GYej jner DeeJeMekeleeDeeW kees Oeeve ceW jKeles ngS ye[er mebKee
ceW Yeleea kejves leLee veeres yeleees ieS Devegmeej mhe heefjYeeef<ele efveeespeke
hemleeJeke Meyo "F I R S T" keer mebkeuhevee efJeMes<e yeue oslee nw.
Ske efJeMes<e he mes leweej "kewefjej hees&ue" kee MegYeejbYe yeQke keer JesyemeeF
hej efkeee ieee pees Fme cetue DeJeOeejCee kees heefjYeeef<ele kejlee nw efke keeeW
Deehekee yeQke efkemeer heYeeJeer DeeJesoke kes efueS hemeboeroe peien nw, kewefjej heeLe
keee nw, GheueyOe Yeleea kes ewveue keewve mes nQ. FmeceW yeQke Dee@]He ye[ewoe ceW keece
kejves kes efJeefYeVe henueg Deewj yeQke Dee@]He ye[ewoe mes ceewpetoe kece&eeefjeeW kes
DevegYeJe Je=leeble kee meceeJesMe nw. meYeer keee&veerefleeeb yeQke kes efveeespeke kes he
ceW yeebef[ie megOeejves kes efueS leweej keer ieF& nQ.
en veJeesvces<eer mebmeeOeve ewveue efJeeere Je<e& 2012 kes oewjeve Meg efkeee ieee
Lee Deewj Ske Je<e& kes hee"eece kees hetCe& kejves kes yeeo, efJeeee|LeeeW ves efJeeere
Je<e& 2013 kes yeeo mes yeQke kees pJee@Fve kejvee Meg efkeee. 526 efJeeee|LeeeW
kes ueieYeie leerve yewe henues ner yeQke pJee@Fve kej egkes nQ. peyeefke Jele&ceeve ceW
ueieYeie 864 efJeeee|LeeeW kes Deve 4 yewe Gheeg&e Ske Je<eeae hee"eece ceW
Yeeie ues jns nQ.
DeOe#e SJeb heyebOe efveosMeke eer Sme.Sme.cetbo[e ye[ewoe ceefCeheeue mketue Dee@He yeQeEkeie
kes efJeeee|LeeeW kees mebyeesefOele kejles ngS.
#ecelee efvecee&Ce mebyebOeer HenueW

ye[ewoe ceW yeQke kes kewefjej hees&ue Deewj heespeske mheMe& kes Debleie&le heLece SeDeej
Mese[& meefJe&mespe yewke Dee@efHeme kee GodIeeve kejles ngS yeQke kes DeOe#e SJeb heyebOe
efveosMeke eer Sme.Sme.cetbo[e.
ye[er mebKee ceW Yeleea ngS veS Yeleea efkees ieS meHe meomeeW kees eLeemebYeJe
Deuhemecee ceW egveewefleeeW kee meecevee kejves nsleg Glheeoke yeveeves kes efueS
heefjeeueveelceke Deewj meebmke=efleke DeJeeJeeW, oesveeW kees Meeefceue kejles ngS
Deehekes yeQke ves yesno megieef"le Dee@ve yeese\[ie keee&ece keer MegDeele keer
nw, peesefke GvnW, keee& kees legjble kejves ceW meceLe& yeveeleer nQ Deewj yeQke keer
meebmke=efleke kees Deelcemeele kejves ceW Gvekeer ceoo Yeer kejlee nw.
50
Dehesef#ele mebkeWCe Deewj efJekeemeelceke GvcegKelee kees

ueeves kes GsMe mes Deehekes yeQke ves Deheves heefMe#eCe leb$e
kees ye[ewoe Dekeeoceer kes he ceW efjyeeb[ efkeee nw Deewj
Ske %eeveepe&ve mebie"ve, yesnlej efJekeeme ceW ceoo Je
Deheves ueesieeW kes efJekeeme kes efueS JeeleeJejCe heoeve kejves
kes ece ceW Fme ye[ewoe Dekeeoceer DeJeOeejCee kes lenle
keF& heefMe#eCe heeemeeW keer MegDeele keer nw efpememes mebie"ve kes heoMe&ve ceW
GuuesKeveere megOeej nes mekes.
heefeeeiele efnmmes ceW, efJeefYeVe cenlJehetCe& heeemeeW keer MegDeele keer ieF& pewmes
ye=nle Jeee|<eke heefMe#eCe kewuesC[j kee hekeeMeve, Ske Deefleefje heefMe#eCe
veeceebkeve kes ewveue kes he ceW mJeveeceebkeve keer MegDeele, heefMe#eCe esef[

JeJemLee keer MegDeele, heleske heefMe#eCe keee&ece kes Deble ceW hejer#ee uesvee,
SmeesefmeS Hewkeuer kes he ceW efJeMes<e%eeW kes Ske hetue kee efvecee&Ce, hee"emeeceieer
kees mecegVele Deewj ceevekeerke=le kejvee, heefMe#eCe keee&eceeW ceW heeesie nsleg, kesme
m[er keer [eFjskeêr kes efvecee&Ce nsleg cegefnce Deeefo es meYeer heeeme heefMe#eCe
SJeb efJekeeme heefeee hej veS lejn mes Oeeve keseqvle kejves kes yeejs ceW nQ Deewj
en yeQke ceW ceeveJe mebmeeOeve efJekeeme kes efueS heefMe#eCe nsleg Ske Deleble me#ece
tue kes he ceW ceoo kejlee nw. heefMe#eCe heefeeeDeeW kees mejue yeveeves SJeb
meYeer heefMe#eCe henueeW kees ye=nle mlej hej ueeiet kejves ceW me#ece yeveeves kes efueS
efJeefYeVe DeeF&er tue efJekeefmele efkeS pee egkes nQ.
mee@He eqmkeue keee&eceeW Deewj meceie efJekeeme kees megefveeqele kejles ngS Je
Gheeg&e DeefOekeeefjeeW SJeb veS efjet kes efJekeeme kes DeueeJee efJeMes<e #ecelee
efvecee&Ce henuees ceW, Deehekes yeQke ves heefMe#eCe kes efueS veF& lejn mes Oeeve osves,
efJeeere Je<e& 2013 kes oewjeve heee&hle cee$ee ceW heefMe#eCe SJeb efJekeeme
ieefleefJeefOeeeW kee Deeeespeve efkeee, efpemeceW esef[ #es$e ceW meceie efJekeeme
keee&ece, Heejskeme, [ereEueie, MeeKee heyebOeve, Deeeespevee, peesefKece heyebOeve
Deeefo Meeefceue nQ. Deehekes yeQke ves hetjs osMe ceW Fve-neGme 2198 heefMe#eCe
keee&eceeW hetjs osMe ceW (12 heefMe#eCe kesveW kes vesJeke& kes meeLe, Ske DeeF&er
heefMe#eCe kesv Deewj Ske Denceoeyeeo ceW Ge heefMe#eCe kee@uespe) kee Deeeespeve
efkeee. Fme lejn Je<e& kes oewjeve 43,465 ueesie heefMeef#ele ngS. Fvekes DeueeJee,
Deehekes yeQke ves ueieYeie 2015 kece&eeefjeeW kees osMe kes efJeefYeVe heefleeqle
heefMe#eCe mebmLeeveeW Deewj efJeosMe ceW Yeer heefMe#eCe kes efueS Yespee. wueW hetue
meomeeW kes meceie efJekeeme keer eespevee kes Yeeie kes he ceW, efJeefMe
efJekeemeelceke #es$eeW kees keJej kejles ngS efJeMes<eerke=le yeee heefMe#eCe mebmLeeveeW
kes ceeOece mes efJeefMe he mes efvee|cele keee&ece Deeeesefpele efkeS ieS.
Deehekes yeQke kes eeefvele Ghe ceneheyebOekeeW SJeb meneeke ceneheyebOekeeW kees Ske
Ge heyebOeve keee&ece kes efueS Yeejle kes meJe&es yeer-mketue pewmes DeeF&Smeyeer
ceW Yespee ieee. Fmes Deueie henue ceW nwojeyeeo ceW, Deehekes yeQke ves Ske keseqvle
hejeceMe& keee&ece kes efueS hetjs yeQke mes Deefleefje 150 efJeMes<e efeeqvnle ueesieeW
kees heefMeef#ele efkeee leeefke Jes veS Yeleea DeefOekeeefjeeW kes efueS Ske hejeceMe& kes
he ceW keee& kej mekeW. yeQke ceW heefMeef#ele hejeceMe&keeW keer kegue mebKee ueieYeie
500 leke ues peeee peevee nw.
vese=lJe efJekeeme (heespeske G[eve)
efJeeere Je<e& 2012 ceW ueesieeW ves vesle=lJe #ecelee kee efvecee&Ce kejves keer Deefle
DeeJeMekelee kees Oeeve ceW jKeles ngS Deehekes yeQke ves Ske Jeeheke vesle=lJe
efJekeeme keee&ece eespeske G[eve keer MegDeele keer nw, efpeveceW meYeer Menjer
Je ceneveiejere MeeKeeDeeW kes MeeKee heyebOekeeW leLee meneeke ceneheyebOeke SJeb
Ghe ceneheyebOeke meeqcceefuele efkeS ieS. Fmekee GsMe YeefJe<e ceW ueer[me& kees
leweej kejvee nw.
2012-13
en keee&ece vesle=lJe kes leerve cee@[etume ueereE[ie mesuHe, ueereE[ie Deome& Deewj
ueereE[ie efyepevesme kes DeeOeej hej leweej efkeee ieee nw Deewj FveceW mes heleske
cee@[etume Dee@He meeF FJeWme keeseEeie eqkeueefveke kes mecevJee kes peefjS
mebyeesefOele efkeee pee jne nw. Fme keee&ece ceW efJee Je<e& 2012 kes oewjeve
Deehekes yeQke kes meele DebeueeW ceW 960 heefleYeeefieeeW kees meeqcceefuele efkeee ieee
Deewj efJeeere Je<e& 2013 ceW Deefleefje 760 heefleYeeefieeeW kees otmejs heebe yeQkeeW
ceW Meeefceue efkeee ieee. efkemeer Yeer Yeejleere meeJe&peefveke yeQke kes efueS Fme
lejn kee ye[e Deewj Jeeheke vesle=lJe efJekeeme heeeme Deheves Deehe ceW heLece nw.
SeDeej eeweesefiekeerr kee keeee&vJeeve
Deehekes yeQke ves kece&eejer mesJeeDeeW kes efueS Ske yengle ner efJeMes<e SeDeej
lekeveerkeer huesHeece& leweej efkeee nw, efpemeceW SeDeejSce, heefMe#eCe, hesjesue
Je ger kes cee@[etue nQ efpemes ceeveJe mebmeeOeve vesJeke& (SeDeejSveF&Sme) veece
efoee ieee nw. Fme lekeveerkeer huesHeece& mes efJeefYeVe SeDeej keeeeX kees
mJeeeefuele kej efoee ieee nw Deewj Je<e& kes oewjeve efJeefYeVe cee@[etue/ efJeefYeVe
veF& heefeeeDeeW kees mJeeeefuele/efeeeeqvJele efkeee ieee.
Yeleea DeefYeeeve
Deehekee yeQke Je<e&-oj-Je<e& DeeOeej hej mesJeeefveJe=efe, JeJemeee efJekeeme kees
yeveeS jKeves Je leerJe MeeKee efJemleej hej efJeMes<e Oeeve osles ngS Yeleea kes efJeMes<e
heeeme kej jne nw. Deehekes yeQke keer ece Meefe mebyebOeer mecemee kees otj kejves
kes efueS Je<e& kes oewjeve Yeleea kes efueS efJeefYeVe hejer#eeDeeW kee Deeeespeve efkeee
ieee. Deehekes yeQke keer oesveeW ner lejn keer pejleeW - meeceeve he mes veewkejer
es[kej peevesJeeuees keer peien Yejves Je JeJemeee efJekeeme keer pejleeW kees
hetje kejves keer eq mes efJee Je<e&, 2013 kes oewjeve efJeMes<e%e DeefOekeeefjeeW,
heefjJeer#eeOeerve DeefOekeeefjeeW, heefleeqle JeeJemeeefeke mketueeW mes meerOes kewcheme
Yeleea kes ceeOece mes egJee SceyeerS DeefOekeeefjeeW keer Yeleea keer MegDeele keer
ieF&. Deehekes yeQke ves efJeefYeVe esefCeeeW /JesleveceeveeW ceW 1246 DeefOekeejer
(meeceeve Deewj efJeMes<e%e esCeer oesveeW) 1731 efueefheke Deewj 700 DeOeervemLe
mebJeie& kes meHe meomeeW keer Yeleea keer. Yeleea heefeee Je<e& 2013-14 kes oewjeve
Yeer peejer nw efpemekes lenle DeefOekeeefjeeW kes ueieYeie 2800 heoeW Deewj efueefhekeeW
kes 3500 heoeW kees Yejves keer Yeleea heefeee eue jner nw.
kewefjej efJekeeme nsleg he-jsKee
leerJe kewefjej efJekeeme nsleg kece&eeefjeeW keer ye{leer Deekeeb#eeDees kees hetje kejves
kes efueS meceer#eeOeerve Je<e& kes oewjeve efJeMes<e heeeme efkeS ieS efpevekes eje
kece&eeefjeeW kees Ge Glheeokelee nsleg heeslmeeefnle efkeee ieee. Deheves es
keee&efve<heeove kejvesJeeues kee|ceeeW kees hegjmke=le kejves Deewj ye[er efpeccesoeefjeeW
kes heefle Deekee|<ele kejves nsleg Deehekee yeQke heefleJe<e& efyevee efkemeer keeJe kes
meYeer esefCeeeW/JesleveceeveeW ceW ueesieeW kees efveeefcele he mes heoesVele kej jne nw.
Fme heJe=efe kees Oeeve ceW jKeles ngS efJeeere Je<e& 2013 kes oewjeve Yeer ye[s
hewceeves hej heoesVeefle heefeee Meg keer ieF&. heefjCeecele yeQke ceW 3793 ueesieeW
keer heoesVeefle keer ieF& pees veeres leeefuekee ceW oMee&eer ieF& nw.
51
2012-13
meye meHe mes efueefheke
160
efueefheke mes DeefOekeejer
553
ke.he.es - I mes ce.he.es II

(DeefOekeejer mes heyebOeke)
1332
ce.he.es II mes ce.he.es III

(heyebOeke mes Jeefj heyebOeke)
1055
ce.he.es. III mes Je.he.es IV

(Jeefj heyebOeke mes cegKe heyebOeke)
480
Je.he.es IV mes Je.he.es V

(cegKe heyebOeke mes me. ceneheyebOeke)
160
Je.he.es V mes meJeexe kee. he. es VI

(me. ceneheyebOeke mes Ghe ceneheyebOeke)
35
meJeexe kee. he. es VI mes meJeexe Je. he. es VII

(Ghe ceneheyebOeke mes ceneheyebOeke)
18
31 ceee& 2013 kees meHe Meefe SJeb Devegmetefele peeefle SJeb pevepeeefle kee
heefleefveefOelJe efvecveevegmeej jne:
kew[j
kegue
Smemeer
Smemeer
%
Smeer
Smeer %
DeefOekeejer
17933
3044
16.97
1261
7.03
efueefheke
16869
2392
14.18
1158
6.86
8306
2836
34.14
769
9.26
43108
8272
19.19
3188
7.39
meye meHe
kegue
Devegmetefele peeefle/pevepeeefle ke#e :
Devegmetefele peeefle/pevepeeefle/Deve efhe[s JeieeX kes efJekeeme hej efJeMes<e yeue

yeQke meceepe kes Smemeer/Smeer SJeb Deve efhe[s JeieeX mes peg[s JeefeeeW kes
efJekeeme SJeb keueeCe mebyebOeer mebJewOeeefveke GheyebOeeW SJeb meeceeefpeke GsMe kes
heefle heefleye nw. nceeje yeQke hetjs yeQeEkeie Geesie ceW Gve egeEveoe yeQkeeW ceW mes Ske
nw efpemekes heeme Smemeer SJeb Smeer mebJeie& mes peg[s DeefOekelece kece&eejer nQ,
efpememes yeQke keer Fme Jeie& kes efJekeeme SJeb GlLeeve kes heefle heefleyelee kee helee
euelee nw. yeQke eje Smemeer SJeb Smeer ueesieeW kes efJekeeme SJeb keueeCe kes
mebyebOe ceW efkeS ieS heeemeeW kee mebef#ehle GuuesKe veeres efkeee ieee nw.
veewkeefjeeW ceW Deej#eCe
yeQke Deheveer DeefKeue Yeejleere SJeb Yeleea eespeveeDeeW ceW Yeejle mejkeej eje
veewkeefjeeW ceW Deej#eCe kes mebyebOe ceW efveOee&efjle meYeer efoMeeefveoxMeeW kee Devegheeueve
kejlee nw. DeefKeue Yeejleere efveegefeeeW ceW leLee yeQke eje Meg efkeS pee jns
Yeleea kes Ske veS ewveue ye[ewoe mketue Dee@]He yeQeEkeie kes efueS eeve ceW 15%
heo Devegmetefele peeefleeeW kes efueS leLee 7.5% heo Devegmetefele pevepeeefleeeW kes
efueS Deejef#ele efkeS peeles nQ. #es$eere DeeOeej hej keer ieF& Deve Yee|leeeW ceW
efJeefYeVe jepeeW kes efueS efveOee&efjle Gheege heefleMele kee Devegheeueve efkeee pee
jne nw. yeQke ceW Yeleea kes mebyebOe ceW Smeme/Smeer DeeJesokeeW kes efueS Yeleea hetJe&
DeesefjSbsMeve heefMe#eCe heoeve kejves kes efueS efJeMes<e heeeme efkeS pee jns nQ.
Deeeg meercee SJeb eesielee ceW Gheege efjeeele heoeve keer peeleer nw. Smeme/
Smeer DeYee|LeeeW kes mee#eelkeej ceW Yeer efjeeele yejleer peeleer nw leeefke
Deejef#ele heoeW hej efveegefe nes mekes. Yeleea nsleg meceer#ee hewveue ceW DeefveJeee&
he mes Ske Smeme/Smeer meome Meeefceue efkeee peelee nw. mee#eelkeej nsleg
yegueeS ieS Smeme/Smeer DeYee|LeeeW kees ee$ee Jee keer heeflehete|le keer peeleer
nw. veewkejer ceW Deej#eCe osves kes DeueeJee yeQke efJeeceeve efoMeeefveoxMeeW kes Deveghe
Smeme/Smeer kece&eeefjeeW kes kewefjej efJekeeme SJeb heoesVeefle kes mebyebOe ceW
Deej#eCe SJeb Deve megefJeOeeSb heoeve kejlee nw. heoesVeefle heefeee ceW Yeeie uesves kes
52
hetJe& heoesVeefle hetJe& heefMe#eCe heoeve efkeS peeles nQ. yeQke kes GheueyOe DeeJeemeeW ceW
Smeme/Smeer kes efueS 10% kee Deej#eCe efkeee ieee nw.
yeQke ceW Deej#eCe leLee Smeme/Smeer kece&eeefjeeW kes efueS Deve mecye
heeJeOeeveeW keer efveiejeveer kes efueS Ske efJeMes<e Smeme/Smeer ke#e keee&jle nw.
ceneheyebOeke mlej kee Ske keee&heeueke Smeme/Smeer kes efueS cegKe mebheke&
DeefOekeejer nw pees Smeme/Smeer kece&eeefjees mes mebyebefOele efJeefJeOe efoMeeefveoxMeeW
kee Devegheeueve megefveeqele kejlee nw. yeQke kes heleske Debeue ceW Smeme/Smeer
nsleg Ske mebheke& DeefOekeejer efveege efkeee ieee nw pees Debeue kes Smemeer/Smeer
kece&eeefjeeW kes meYeer ceeceueeW SJeb efMekeeeleeW kes efveheejs keer eqmLeefle keer
osKejsKe kejlee nw.
Devegmetefele peeefle/ pevepeeefle keueeCe mebIe kes meeLe yew"ke:
yeQke Devegmetefele peeefle/pevepeeefle keueeCe mebIe kes heefleefveefOeeeW kes meeLe
efleceener DeeOeej hej yew"keW Deeeesefpele kejlee nw leeefke Gvekes meeLe meerOee
mebJeeo mLeeefhele efkeee pee mekes SJeb Smeme/Smeer mebyebOeer Deej#eCe leLee Deve
heeJeOeeveeW keer meceer#ee keer pee mekes. Fve yew"keeW ceW DeOe#e SJeb heyebOe efveosMeke
leLee Jeefj keee&heeueke efpemeceW Smeme/Smeer nsleg cegKe mebheke& DeefOekeejer
Meeefceue nQ, Yeeie uesles nQ.
Yeejle jlve [e@ yeeyee meenye Debyes[kej cewceesefjeue ^m :
yeQke ves 1991 ceW Yeejle jlve [e@ yeeyee meenye Debyes[kej cewceesefjeue ^m keer
mLeehevee keer efpememes efke Smeme/Smeer kece&eeefjeeW SJeb Gvekes heefjJeej peveeW
kes ueeYe nsleg keueeCekeejer ieefleefJeefOeeeW kees ye{eJee efceue mekes. Smeme/Smeer
kece&eeefjeeW kes yeeeW kees e$eJe=efe heoeve kejves kes DeueeJee osMe kes cenlJehetCe&
kesveW hej ^m eje Smeme/Smeer mecegoee kes pejlecebo e$eeW kees e$eJe=efe
heoeve keer peeleer nw.
Devegmetefele peeefle /pevepeeefle jeêre Deeeesie kee oewje:
Je<e& kes oewjeve Devegmetefele peeefle /pevepeeefle jeêre Deeeesie ves Deehekes yeQke
kes efJeefYeVe peieneW hej Devegmetefele peeefleeeW kes efueS Yeejle mejkeej keer
Deej#eCe veerefle kes keeee&vJeeve keer meceer#ee nsleg veeres leeefuekee ceW oMee&S ieS
Devegmeej oewje efkeee Deewj veerefleeeW Je keee&eceeW kes keeee&vJeeve hej eee&
efJeeej-efJeceMe& efkeee Deewj hejer#eCe efkeee.
e.meb. yew"ke keer peien
efoveebke
peehegj
26.05.2012
2.
osnjeotve
25.07.2012
3.
yeWieuetj
22.08.2012
4.
Yeesheeue
27.09.2012
jeêre Devegmetefele peeefle Deeeesie ves jesmj Je keee& mesJee megj#ee kes meleeheve
kes efueS yeQke Dee@]He ye[ewoe ceW 5.12.2012 kees Deewj peehegj ceW 31.1.2013
kees Yeer oewje efkeee. Deeeesie kees efoS megPeeJeeW Je efoMee-efveoxMeeW kees Deehekee
yeQke ceW ke[eF& mes heeueve efkeee pee jne nw.
efJeefYeVe efhe[s JeieeX kes keueeCe heeslmeenve kes efueS Deewj Gvekes efnleeW keer j#ee
Je keee& JeeleeJejCe hej yeveer efJeefYeVe Deeeesie Je mebmeoere meefceefle ves Yeer Deehekes
yeQke kee oewje veeres efoS ieS efJeJejCeevegmeej efkeee Deewj yeQke eje Gvekes meceie
efJekeeme Deewj meYeer meeceeefpeke ue#eeW kees hetje kejves kes efueS DeheveeS pee jns
efJeefYeVe keueeCekeejer lejerkeeW keer mejenvee keer.
meHeeF& kece&eeefjeeW jeêre Deeeesie ieesJee ceW 11.02.2013
mejkeejer DeeeemeveeW (efJekeueebie JeefeeeW kes efueS) hej jepemeYee

meefceefle kee DeOeeve oewje- cegbyeF& ceW 22.1.2013
Deve efhe[e JeieeX kes keueeCe hej mebmeoere meefceefle keer yew"ke cegbyeF&
ceW- 7.2.2013 kees.
2012-13
veJeefvecee&Ce heeblejCe kes hecegKe #es$e
Deehekes yeQke ves `ye[]ewoe veskem' veece mes MeeKeeDeeW kes veJeefvecee&Ce keer
heefeee kes Debleie&le cesês leLee Menjer #es$eeW ceW DeleeOegefveke ef[peeFve,
Heb / yewke DeeefHeme, Deejeceoeeke ieenke heleer#ee #es$e, Gheeg&e
HebueeFve DeeescesMeve leLee efyeeer Deewj mesJeeDeeW kes efueS mecee|hele erce
mes ege MeeKeeDeeW kes eje ieenke mesJeeSb heoeve keer nQ.
yeQke eje yewke DeeefHeme kee efvecveevegmeej Deheies[sMeve efkeee ieee :
heesmesme ef[peeFve
cewvegDeue heesmesme kes mLeeve hej Jeke&Heuees DeeOeeefjle efmemce efJemleej

leLee ceMeerveeW kee Gheeesie
#es$e efJemleej (vees keeeeX kes efueS mLeeve yeveevee)
Deehekes yeQke eje keeHeer lespeer mes hetjs osMe ceW ye[ewoe veskem MeeKeeDeeW
leLee yewke DeeefHeme kee efJemleej efkeee ieee.
Deehekes yeQke ves efkeeT jnves kes keee& efkeS nQ, DeLee&led omleeJespeerkejCe,
meg{ heeweesefiekeer, keee&-efve<heeove heyebOeve heefMe#eCe leLee hegveheefMe#eCe.
efye]pevesme heesmesme efj-FbpeerefveeeEjie (heespeske veJeefvecee&Ce)

yeerheerDeej DeeOeeefjle heeblejCe kes eej Je<eeX yeeo, Deehekes yeQke ves Yeejleere
yeQeEkeie peiele ceW Dehevee meJe&es mLeeve yeveeee nw. yeQke Dee@He ye[ewoe ves efJee
ceb$eeuee, Yeejle mejkeej kes lelJeeJeOeeve ceW etefveeve yeQke Dee@He Fbef[ee kes
meeLe mebegkele He mes efye]pevesme heesmesme efj-FbpeerefveeeEjie Hej Yeejleere
meeJe&peefveke #es$e kes yeQkeeW kes henues Jeee|<eke meccesueve kee Deeeespeve 14 pegueeF&
2012 kees cegbyeF& cesb efkeee.
yeerheerDeej keee&Meeuee
Deehekes yeQke ves mesume heesmesme leLee Gece DeeOeeefjle mesume SkeeGbyeerefueer
cee@[ue (ye[ewoe veskem mesume Dee@hejseEie cee@[ue) kees MeeKeeDeeW ceW ueeiet
efkeee nw.
Deehekes yeQke ves ieenkeeW leLee kece&eeefjeeW keer meblegeq kes cetueebkeve kes
efueS DeeJeefOeke DeeOeej hej meJex#eCe heejbYe efkeS nQ.
Deehekes yeQke kes yeerheerDeej efve<heeove ves efvecveefueefKele kes ceeOece mes
JeeJemeeefeke Je=ef leLee ieenke / kece&eejer meblegeq oesveeW hej mekeejelceke
heYeeJe [euee nw :
efye]pevesme heesmesme efj-FbpeerefveeeEjie Hej Yeejleere meeJe&peefveke #es$e kes yeQkeeW kes henues
Jeee|<eke meccesueve kee Deeeespeve 14 pegueeF& 2012 kees cegbyeF& cesb efkeee ieee.
ye[ewoe veskem MeeKeeSb ueieYeie 1,382 cesês / Menjer MeeKeeDeeW kees

ye[ewoe veskem MeeKeeDeeW kes he ceW heebleefjle efkeee ieee nw.
MeeKee Heb-Sb[ Dee@escesMeve keet cewvespeceW efmemce (keetSceSme) leLee

eske ef[heesefpe ceMeerve (meer[erSce) eceMe 93 leLee 40 MeeKeeDeeW ceW
mLeeefhele keer ieF& nQ.
efmeer yewke DeeefHeme (meeryeerDees) meYeer MeeKeeDeeW nsleg meceeMeesOeve

heefjeeueveeW kees keWerke=le efkeee pee egkee nw. leerve meeryeerDees, eLee cegbyeF&,
Denceoeyeeo leLee metjle kees mJeeeefuele kej efoee ieS nQ.
53
2012-13
jerpeveue yewke DeeefHeme (DeejyeerDees) kegue 2,925 leLee 3,900

MeeKeeDeeW kees eceMe keemee Keelee Keesueves leLee Jeweefeke eske yegke
(heermeeryeer) peejer kejves kes efueS eEueke kej efoee ieee nw.
esef[ meWûeeFpesMeve heeeue (DeejSueSHe / SmeSceF&SueSHe)

ueesve ]Heskeer ye[ewoe kes Debleie&le efjsue SJeb SmeSceF& esef[ meWûeeFpesMeve
kee keee& heeeue DeeOeej hej eue jne nQ.
heleske ye[ewoe veskem MeeKee ceW mesume Dee@hejseEie cee@[ue kee ueeiet
kejvee 32 #es$eere keeee&ueeeW kes 739 ye[ewoe veskem MeeKeeDeeW ceW
mesume Dee@hejseEie cee@[ue kees ueeiet efkeee pee egkee nw.
efce[ keeheexjs Jee|keue Ske efce[ keeheexjs Jee|keue leweej efkeee ieee
nw leLee 15 efce[ keeheexjs MeeKeeDeeW kees cenlJehetCe& mLeeveeW hej Keesuee
ieee nw.
Skes[ceer Dee@]He SkemeerueWme meYeer mlejeW hej ueieeleej peeiekelee,

heefMe#eCe leLee #ecelee efvecee&Ce ye[ewoe veskem jesue DeeG heesieece kee
cenlJehetCe& Yeeie yevee jnsiee. FmeceW Debeue / #es$eere MegDeele, MeeKee
yew"ke, yet keQhe, MeeKee mlejere heefMe#eCe, yeenjer mesume heefMe#eCe leLee
mebieeseqeeb Meeefceue nQ.
veJeefvecee&Ce henueeW / heYeeJe kees yeveeS jKevee ye[ewoe veskem MeeKeeDeeW

kes efueS Ske heceeCeve heefeee kees heejbYe efkeee pee egkee nw efpemekes
lenle Deehekes yeQke kes Deebleefjle efvejer#ekeeW eje heefeee Devegheeueve /
heeueve kee cetueebkeve efkeee pee jne nw leLee meerSmeSer / F&SmeSer kee
cetueebkeve yeenjer ceekex efjmee& SpeWefmeeeW eje efkeee pee jne nw.
ceekexeEie
Deehekes yeQke ves efJeeere Je<e& 2013 kes oewjeve ves Deheves yeeb[ leLee efJeefYeVe
GlheeoeW Je mesJeeDeeW kee, efJe%eeheve, ieenke DeeOeeefjle keee&eceeW leLee MeeKee
mlejere heeej kes ceeOece mes ueieeleej mebJe&ve efkeee nQ. Fme heefeee ceW,
Deehekes yeQke ves Debeue leLee #es$eere mlej hej MeeKeeDeeW eje efkees peevesJeeues
keeeeX ceW DeeOeejYetle ieefleefJeefOeeeW kees eesieoeve osves kes DeueeJee efJeefYeVe
ceeref[ee meeOeveeW, pewmes efke eEhe, Fueskeêsefveke leLee DeesDeesSe kee Fmlesceeue
efkeee. efJeeere Je<e& 2013 kes oewjeve keer ieF& hecegKe ceekexeEie kecegefvekesMeve
ieefleefJeefOeeeW kee efJeJejCe veeres efoee ieee nw.
Deehekes yeQke ves 14 veJebyej 2012 `yeeue efoJeme' kes DeJemej hej Ske efJeefMe
keee&ece keer henue keer efpemekee Meer<e&ke yeQke Dee@]He ye[ewoe kesveJeeme
heefleeesefielee jKee ieee Lee. Fmekee GsMe Ske Ssmee huesHee@ce& leweej kejvee
Lee efpemekes eje mketueer yeeeW kes meeLe ner Gvekees hesefjle kejvesJeeues
DeefYeYeeJekeeW / DeOeehekeeW kes meeLe oerIe&keeefueke mebyebOeeW kees yeveeee pee mekes.
heefleeesefielee ceW henues mes efveOee&efjle efJe<eeeW hej hetjs osMe kes mketueeW kes
efJeeee|LeeeW mes heefJeeqeeb Deecebef$ele keer ieF& Leer leLee eeefvele pepeeW kes hewveue
eje jeêre / Debeue / #es$eere mlej efJepeslee heefJeeqeeW kee eeve efkeee
ieee. Deehekes yeQke kes cewmkee, èqmkecewve', kees Yeer Jeeheke he mes Fme
heefleeesefielee kes Debleie&le ye{eJee efoee ieee leeefke ueef#ele oMe&keeW kes meeLe yeeb[
mebyebOe yeveeves ceW meneelee efceue mekes. Fme DeefYeeeve kes Debleie&le eLeesefele he
ceW eEhe leLee jsef[ees ceeref[ee kee Gheeesie efkeee ieee leeefke DeefOeke mes DeefOeke
heefJeeqeeW kees heefleeesefielee ceW Meeefceue efkeee pee mekes. Ssmes MenjeW kees,
ueef#ele efkeee ieee Lee peneb hej nceejs #es$eere keeee&uee nQ. Fme heefleeesefielee
ceW kesJeue 45 efove keer Deuhe DeJeefOe kes oewjeve hetjs osMe kes 3000 mketueeW mes
kegue 1.98 ueeKe efJeeee|LeeeW ves Yeeie efueee Deewj yeQke kees YeefJe<e ceW Fvemes
54
peg[s jnves kee DeJemej heehle ngDee.

Deehekes yeQke eje efJeefYeVe Yeewieesefueke #es$eeW ceW efJe%eeheveeW kes ceeOece mes ueef#ele
ieenkeeW kes yeere Deheves GlheeoeW Deewj mesJeeDeeW kes mebJeOe&ve kes efueS efJeefYeVe
Glheeo mebJeOe&ve DeefYeeeveeW eueeS ieS. efJeefYeVe ceeref[ee ceeOeceeW mes efJeefYeVe
GlheeoeW leLee mesJeeDeeW, efJeMes<e he mes peceejeefMeeeW, eeuet jeefMeeeW, SveDeejDeeF&
peceeDeeW, ie=n $e+Ce, keej $e+Ce, SmeSceF& $e+Ce leLee Jewkeequheke ef[ueerJejer
ewveueeW kes yeejs ceW peevekeejer heeeefjle keer ieF&,. mLeeveere leLee efJeosMeer oesveeW
ner MeeKeeDeeW vesJeke& kes efJemleej ye{eves mes mebyebefOele peevekeejer kees ye[s mlej
hej eEhe ceeref[ee kes ceeOece mes heeeefjle efkeee ieee efpememes Deehekes yeQke keer
yeeb[ efJe leLee GheeqmLeefle kees ye{eJee efceuee nw.
Deehekes yeQke eje efJeefYeVe Jewkeequheke ef[ueerJejer ewveueeW leLee SmeSceF& mes
mebyebefOele Glheeo leLee mesJeeDeeW hej efJeMes<e meeefnle kee hekeeMeve kejkes ieenkeeW
kees mee#ej kejves kes efJeefYeVe keoce G"eS ieS. yeQke ves efJeefYeVe keee&eceeW,
pewmes - heJeemeer Yeejleere efoJeme 2013, efHekekeer - DeeF&yeerS yeQeEkeie keevHeWme,
[ve Sb[ yee[mêr Skemhees&med SkemeerueWme DeJee[&, eEce SvegDeue yeQeEkeie kee@
vkeuesJe, meerDeeF&DeeF& ce@vegHewkeeeEjie meefce leLee mQ[[& ee&[& cewjeLeve 2013
ceW menYeeefielee kejkes ieenkeeW kes meeLe mebJeeo mebhes<eCe Deewj yeeb[ mebJe&ve
efkeee..
efJeeere Je<e& 2013 kes oewjeve Deehekes yeQke keer ieefleefJeefOeeeW kees ceeref[ee ceW
efJemle=le keJejspe efceuee efpememes efke yeQke kees yeeb[ Fcespe yeveees jKeves ceW
meneelee efceueer nw.
Deehekes yeQke ves Je<e& kes oewjeve efJeefYeVe JeJemeeefeke ceevekeeW hej Keeefle heehle
ceeref[ee neGme Deewj Deve mebmLeeDeeW mes Yeer efJeefYeVe hegjmkeej heehle efkeS nQ
efpemekeer meteer veeres oer ieF& nQ
meHe kee@uespe, Denceoeyeeo ceW DeefKeue Yeejleere ceekexeEie DeefOekeejer meccesueve kee
Deeeespeve, Deiemle 2012

yeQke Dee@]He ye[ewoe kees hegjmkeej Je Geesie peiele ceW ceevelee
yeQke kes efvejvlej Glke= Deewj meJeeieerCe keee&efve<heeove (JeJemeee SJeb efJeeere
oesveeW) es heyebOeve, Glke=lee kes heefle mecehe&Ce leLee ieeceerCe DeLe&JeJemLee
SJeb efJeeere meceeJesMeve ceW eesieoeve kes efueS efJee Je<e&, 2013 kes oewjeve yeQke
kees Deveske hegjmkeejeW mes mecceeefvele efkeee ieee.
yeQke kees efJeeere Je<e& 2013 kes oewjeve heehle kegue hecegKe hegjmkeejeW kee efJeJejCe
Deeies efoee pee jne nw yuetceyeie& eterJeer Heeeveebefmeeue ueer[jefMehe DeJee[& yesm heerSmeet yeQke
07.04.2012, cegbyeF&
Fbeqmet Dee@He heeqyueke FbjheeFpesme eje yesm meerDeeFDees DeJee[&
yeerSHeSmeDeeF& meskej, 2012 petve, nwojeyeeo
efj]peJe& yeQke jepeYee<ee Meeru[ 29.06.2012, cegbyeF&
ke) `ke' #es$e ceW heLece hegjmkeej
Ke) `Ke' #es$e ceW efleere hegjmkeej
ie) efYee<eer ie=nheef$ekee yee@yecew$eer kees heeslmeenve hegjmkeej
2012-13
efmeuJej ê@Heer Dee@escess[ mesjspe cewvespeceW leLee Deesjskeue DeejSmeer kes

mkee@e ef[efpeue Fbkeuetpeve DeJee[& 2012, 04.09.2012, veF& efouueer
efye]pevesme Fbef[ee yesm yeQke DeJee[& 2012 14.09.2012, cegbyeF&
Fbefoje ieebOeer jepeYee<ee hegjmkeej, veF& efouueer
ke) heLece hegjmkeej 14.09.2012
Ke) efnvoer ie=nheef$ekee heefleeesefielee ceW De#eece kees efleere hegjmkeej
DemeesefmeSMeve Dee@He efyemevesme kecegefvekesme& Dee@He Fbef[ee (SyeermeerDeeF&)
DeJee[& 2012, 19.10.2012
ke) mhesMeue kee@uece (Debiespeer) yee@yecew$eer, efmeuJej ê@Heer
Ke) mhesMeue kee@uece (Yee<ee) De#eece efmeuJej ê@Heer
ie) keeheexjs JesyemeeF yeQke Dee@He ye[ewoe JesyemeeF, efmeuJej ê@Heer
Heesye&me Fbef[ee ueer[jefMehe DeJee[& eer Sce.[er.ceuee kees yesm meerF&Dees
heeqyueke meskej, 28.09.2012, cegbyeF&
DeOe#e SJeb heyebOe efveosMeke, yeQke Dee@He ye[ewoe kees cegyebF& ceW Heesye&me Fbef[ee ueer[jefMehe
DeJee[& `yesm meerF&Dees heeqyueke meskej' heoeve efkeee ieee.
Yeejleere efjpeJe& yeQke mes èfj]peJe& yeQke jepeYee<ee Meeru['
o mev[s mwC[[& SHeDeeF&Sve[yuetDeeePes[ 2012 DeJee[& 20.08.2012,

veF& efouueer
yesm Fbef[eve yeQke ueepe& (jvejDeHe)
yesm Heefyueke meskej yeQke ueepe& (jvejDeHe)
[ve SC[ yee[mêr heesueeefjpe Heeeveebefmeeue skevee@ueepeer yeQeEkeie
DeJee[& 24.08.2012, cegbyeF&
ke) Jewefeke JeJemeee efJekeeme Jeie& ceW yesm heeqyueke meskej yeQke
Ke) meceiele yesm heeqyueke meskej yeQke
Yeejleere yeQke mebIe eje yeQeEkeie skevee@ueepeer DeJee[& 2011
27.08.2012, cegbyeF&
ke) heefMe#eCe SJeb F&-uee\veie ceW heeweesefiekeer kes Gheeesie kes efueS
efJepeslee
Ke) es ieenke mebyebOe henueW heLece jvej Dehe
ie) efye]pevesme FbsefuepeWme kee es Gheeesie heLece jvej Dehe
Ie) yeQekE eie ceW ceesyeeFue heew eeseif ekeer kee es Fmlesceeue efleere jvej Dehe
[) es peesefKece heyebOeve SJeb megj#ee henueW efleere jvej Dehe
meerSveyeermeer erJeer 18 eer Sce.[er.ceuee kees 'Fbef[ee yesm yeQke SC[

HeeeveWefMeeue DeJee[& 2012 yesm heeqyueke meskej yeQke, 17.10.2012,
cegbyeF& efoee ieee.
yesm ueepe& yeQke 2012 efyepevesme Jeu[& veJecyej 26, 2012 Debke
yesm ueepe& yeQke 2012 efyepevesme g[s kesheerScepeer efomecyej 2012;
ms Heesjce Dee@He yeQkeme& keueye, kesjue eje Svee&keguece ceW efomecyej

2012 ceW yesm heeqyueke meskej yeQke DeJee[&
yeQke Dee@He ye[ewoe kees ms Heesjce Dee@He yeQkeme& keueye ves Sjveekeguece ceW yesm heeqyueke
meskej yeQke DeJee[& mes mecceeefvele efkeee ieee.
55
2012-13
efyepevesme mW[[& yeQkej Dee@]He o Fej (2011-12) eer Sce.[er.ceuee, hetJe&

DeOe#e SJeb heyebOe efveosMeke, yeQke Dee@]He ye[ewoe kees peveJejer, 2013 ceW
heoeve efkeee ieee. en hegjmkeej 23.03.2013 kees efoee ieee.
ceee SHeSce meme& Dee@]He o Fb[mêr Hee@j SkemeueWme Fve yeQeEkeie (heerSmeet)
efmeuJej DeJee[& SHeSce jsef[ees eje 14.02.2013 kees cegbyeF& ceW.
DeeJeeme $e+Ce yeQeEkeie ceW eslee kes efueS ceee SHeSce meme& Dee@He o
Fb[mêr DeJee[& efoveebke 14.02.2013 kees cegbyeF& ceW jsef[ee SHeSce eje
yeebpe DeJee[&
es meeJe&peefveke yeQke esCeer ceW efoveebke 20.02.2013 kees cegbyeF& ceW

HeeFveWefmeDeue Skemehesme ieghe eje "yesm heer.Sme.et" kes efueS SHeF& yesm
yeQke DeJee[& 2011-12
efJeeceb$eeuee kes efoMee-efveoxMeeW kes Devegmeej Deehekee yeQke Deheves keeheexjs

keeee&uee Deewj meYeer Debeue SJeb #es$eere keeee&ueeeW mes SceheerSueSme
keveseqkeefJeer kes meeLe ms Dee@He o Dee& Jeeref[ees keebvHeseEmeie efmemce
kes eje eEueke[ nw. Jeeref[ees keevHeWme kes ceeOece mes keee&hecegKeeW kes
meceecesueve ceW efveCe&e uesves keer heefeee kees Deewj DeefOeke heYeeJeMeeueer Deewj
kece keercele kee yeveeves nsleg lespeer ueeves kes efueS efveCe&e efueee pee mekelee
nw.
Deehekee yeQke F&-W[eEjie, F&-heeskeeesjceW Deeefo kes he ceW lekeveerke

DeeOeeefjle henueeW keer Deesj Yeer ye{ jne nw Deewj efJeeere Je<e& 2013 ceW Fve
henueeW kees ejCeye lejerkes mes ueeiet efkeee nw.
JeW[jeW kees efkeS peevesJeeues meYeer Yegieleeve kDeejerpeerSme/ SveF&SHeer kes

ceeOece mes efkeS pee jns nQ ee ueeYeeLeea kes Keeles ceW esef[ efkeS pee jns
nw.
yeQke Dee@He ye[ewoe kees HeeFveWemf eeue Skemhems e eje Je<e& 2011-12 kes efueS yesm heerSmeet yeQke DeJee[&
mes mecceeefvele efkeee ieee- efpemes eer Sme.Sme.cetob [ e, DeOe#e SJeb eyevOe efveosMeke. ves eeHle efkeee.
cegbyeF& ceW efoveebke 18.02.2013 kees keeheexjs DeJee[& meceejesn ceW SefMeeve
kevHes[jsMeve Dee@He efyepevesme SC[ Jeu[& meerSmeDeej keeWiesme eje
"m^ssefpeke kecetefvekesMeve SC[ ueer[jefMehe DeJee[&".
efoveebke 23.03.2013 kees oueeue mêr FbJesmceW pejveue eje ceesm

SefHeefmeSb heeqyueke meskej yeQke DeJee[&
efoveebke 03 Dehewue, 2013 kees Keeoer SJeb ieeceeseesie Deeeesie eje Keeoer
SJeb ieeceeseesie ceW eslee kes efueS Je<e& 2011-12 kes efueS jeêre
hegjmkeej
efouueer cesês #es$e-I veenjhegj ceW yeQke keer veF& MeeKee kee MegYeejbYe
Deehekes yeQke keer veerefle kes Deveghe Fmekes heMeemeefveke keeee&ueeeW nsleg
mJeeb kes heefjmej nsleg Deehekes yeQke ves yebieueewj (kevee&ke), nwojeyeeo
(Deeb.he), Hewpeeyeeo (et.heer), Fboewj (ce.he), Goehegj, nueveer
(GejeKeb[), osnjeotve (GejeKeb[), peehegj (jepemLeeve) Deewj vet
jeehegj (eermeie{) ceW JeeefCeeqpeke YeJeveeW kes efvecee&Ce kes efueS Yetefce
Kejeroer nw.
ye{les ngS efkejees kees osKeles ngS GheueyOe heefjmej kes heleske mLeeve Deewj
keesves kes Gheeesie keer DeeJeMekelee cenmetme keer pee jner nw. veJeerveerkejCe
kes oewjeve ues-DeeG kees GVele efkeee ieee Deewj meYeer MeeKeeDeeW/
keeee&ueeeW keer Hee|veeEMeie kees heee&JejCe Devegketue SJeb eceo#e he ceW
ef[peeFve efkeS ieS Heveeaej DeeFce kes ceeOece mes keer ieF& nw. heefjmejeW
kes DeefOeienCe nsleg #es$e efveece keer meceer#ee keer SJeb Gmes ueeiet efkeee ieee
nw.
hetjs Yeejle ceW heCeeefueeeW SJeb heefleeeW ceW Skehelee ueeves kes efueS
heefjmej veerefle efveoxMe, efvecee&Ce cewvegDeue, veJeerveerkejCe cewvegDeue kees
efveOee&efjle efkeee ieee Deewj Heveeaej kes ceoeW keer MeerIe Kejero nsleg, leLee
Jes Deeke<e&ke efoKeeF& oW Fme nsleg Ske meceeve ef[peeFve cee@[etuej SJeb
kege|meeeW kes efueS SpeWmeer Yeer efveOee&efjle keer ieF&.
heefjmej efj-FbpeerefveeeEjie Deewj Deeke<e&ke heefjJesMe

efJeeere Je<e& 2013 kes oewjeve Heefjmej efj-FbpeerefveeeEjie Deewj Deeke<e&ke
heefjJesMe kes #es$e ceW Deehekes yeQke eje Dee|pele cenlJehetCe& GheueeqyOeeeW kee
efJeJejCe efvecveevegmeej nw.
peceMesohegj ceW Deehekes yeQke kee heMeemeefveke keeee&uee men DeeJeemeere

keecheueskeme yevekej leweej nes egkee nw. en Tpee& me#ece GhemkejeW,
Je<ee&-peuemebien leb$e SJeb heee&JejCe Devegketue meeceeveeW Je Deuê cee[&ve
iewpesdme SJeb efmemce kes meeLe megmeeqppele nw. Deehekes yeQke keer GheeqmLeefle
Fme YeJeve kes eje merue efmeer ceW Skecee$e ceeveer peeleer nw. Jele&ceeve ceW
en peceMesohegj Menj kes Ske cenlJehetCe& YeJeve kes he ceW peevee peelee
nw.
56

efJee Je<e& 2013 ceW ueeiet keer ieF& heefjeespeveeSb:
Deehekes yeQke ves cewueeheesj, esVeF& ces kecee|Meeue heefjmej kee efvecee&Ce efkeee
nw efpemeceW Debeue keeee&uee, MeeKee Je kejsvmeer esm nw.
2012-13
ee veiej, peceMesohegj ceW kecee|Meeue kece efjneeMeer heefjmej kee

efvecee&Ce efkeee ieee peneb 23, 2-yeerSekes Heuew yeveeS ieS nw.
peceMesohegj ceW yeQke kee veee kecee|Meeue kece efjneeMeer heefjmej

cewueeheesj, esVeF& ces yeQke kee veee kecee|Meeue heefjmej
mesveeseHe jes[, esVeF& ceW efjneeMeer heefjmej kee efvecee&Ce efkeee ieee peneb
leerve 3 yeerSekes Heuew, yeejn 2 yeerSekes Heuew Deewj Ske meeceeve iesm
neGme Deewj ms Dee@He Dee& JeerDeeF&heer iesm neGme.
mesveeseHe jes[, esVeF& ceW yeQke kee veee efjneeMeer heefjmej
yeQke ves F&m Dee@He kewueeMe, veF& efouueer ceW efjneeMeer heefjmej kee efvecee&Ce
efkeee peneb 14 keee&Heeueke Heuew (eej 3 yeerSekes Heuew, ome 2
yeerSekes Heuew) Deewj Ske Ge keee&Heeueke iesm neGme nw.
F&m Dee@He kewueeMe, veF& efouueer ceW yeQke kee veee efjneeMeer heefjmej
keeee&vJeeve kes lenle heefjeespeveeSb
Deehekes yeQke kes pevekehegjer, veF& efouueer ceW DeeJeemeere keechueskeme kee
efvecee&Ce hetje nesves kes Debeflece ejCe ceW nw.
JeejeCemeer ceW Dee@efHeme efyeeu[ie leLee kejWmeer esm, kes efvecee&Ce keee& Yeer
hetje nesves kes Debeflece ejCe ceW nw.
peehegj ceW yeng cebpeueer Fbiess[ Dee@efHeme efyeeu[ie kee efvecee&Ce hetje nesves
kes Debeflece ejCe ceW nw.
Depecesj, yeebmeJee[e, [tbiejhegj, heleeheie{ ceW yeerSmeJeerSme kee efvecee&Ce

keee& Yeer keeee&vJeeve kes lenle nw.
jeehegj ceW veS heMeemeefveke Deewj DeeJeemeere YeJeve kee efvecee&Ce keee&
keeee&vJeeve kes lenle nw.
Fboewj (ceOe heosMe) ceW DeeJeemeere leLee JeeJemeeefeke kee@chueskeme kee

efvecee&Ce keee& keeee&vJeeve kes lenle nw.
mebheoe heyebOeve mebyeOeer YeeJeer eespeveeSb
yeQke kes mebmeo ceeie&, veF& efouueer eqmLele YeJeve kees megvoj SJeb Deeke<e&ke
yeveevee
keesebyeletj eqmLele jeceveiej heefjmej kes peerCeesej kee keee& leeefke

MeeKee/ DeefOekeeefjeeW kes HeueweW kes efueS GheueyOe mLeeve kee DeefOekelece
Gheeesie efkeee pee mekeW.
nwojeyeeo ceW ef[peemj efjkeJejer meeF kes efueS yeQke kes Deheves YeJeve kee
efvecee&Ce kejvee
yeQke Dee@]He ye[ewoe metevee heeweesefiekeer mebmLeeve, ieebOeerveiej (iegpejele) kee

veJeerkejCe kejvee.
cegbyeF& ceW mLeeveebleefjle DeefOekeeefjeeW/ keee&heeuekeeW kes efueS 138

DeeJeemeere HeueweW kes Yeeb[ghe meHe keJee&me& YeJeve kee peerCeexej Meg
kejvee .
DeeJeemeere Deewj JeeJemeeefeke YeJeve kes efvecee&Ce nsleg peesiesejer meHe

kee@uespe kes peerCee&sej Meg kejvee
57
2012-13
yeQieuetj ceW heefMe#eCe kesv kee efvecee&Ce Meg kejvee.
Hewpeeyeeo ceW heMeemeefveke #es$eere keeee&uee YeJeve kee efvecee&Ce kejvee.
Yeejle mejkeej kes efoMeeefveoxMeeW kes Deveghe osMeYej ceW Hewues efJeefYeVe
kesveW hej ye[ewoe mJejespeieej efJekeeme mebmLeeveeW kee efvecee&Ce kejvee.
heefjmej heYeeie kes efueS keee& eespevee
leerve Je<eeX kes efueS DeLee&led 2013-16 nsleg heefjmej veerefle efoMeeefveoxMeeW kee
mebMeesOeve Dehewue 2013 leke kejvee.
efJeeere Je<e& 14 kes oewjeve efvecveefueefKele Iejsuet heefjeespeveeDeeW kees hetje

kejvee
1. 138 t yeerSekes HeueweW kees efJekeefmele kejles ngS Yeeb[ghe efyeeu[ie,
cegbyeF& kee peerCees&ej kejvee
2. Ske yesmeceW, Ske MeeKee Deewj 16 HeueweW meefnle peesiesejer , cegbyeF&
heespeske kees hetje kejvee.
Iejsuet Deveg<ebefieeeb Deewj meneesieer kebheefveeeb.

efJeeere Je<e& 2013 kes oewjeve yeQke Dee@]He ye[ewoe keer Deveg<ebefieeeW mebege GeceeW
Deewj meneesieer kebheefveeeW kee keee&efve<heeove meblees<epeveke Deewj Dehes#ee kes
Deveghe jne.
yee@yekee[&me efueefces[ ves efJeeere Je<e& 2011 ceW Glke= keee&efve<heeove efkeee
efpevekes HeuemJehe efJeeere Je<e& 2012 Deewj efJeeere Je<e& 2013 kes oewjeve ueeYe
Dee|pele efkeee. kebheveer ves JeJemeee efJekeeme kes meYeer iegCeelceke henuegDeeW hej
Dehevee Oeeve keWefle efkeee, heefjCeecemJehe ueeYeheolee, iegCeJeeehejke kee[&
DeeOeej SJeb meome mebmLeeve DeeOeej ceW megOeej ope& efkeee ieee. kebheveer ves
heerefceece efJeMes<eleeDeeW pewmes S[s[ efheefJeuespesme Deewj Dee@Hej meefnle huewefvece
kee[&me keer jWpe Meg keer . kebheveer ves kee[& Deewj ceseX yesme kees Jeeheke kejves
nsleg Deeeceke eespeveeSb leweej keeR.
yee@ye kewefheue ceekexme efueefces[ Ske JeeJemeeefeke erce keer Yeleea kes meeLe
efeeeMeerue ngDee nw. kebheveer kee Oeeve efveJesMe meueenkeej mesJee, [sefye Deewj
FeqkeJeer mecetnve Deewj hetbpeer ceekex efeeekeueeheeW hej nesiee. kebheveer ves Deetyej
2009 mes mebmLeeiele yeeseEkeie JeJemeee Meg efkeee Lee Deewj meeLe ner Ske Dee@
veueeFve mebmLeeiele ^seE[ie huesHeece& kee MegYeejbYe Yeer efkeee Lee. kebheveer ves
JeeJemeeefeke he mes 20 pegueeF& 2012 kees Ske Dee@veueeFve efjsue ^seE[ie
huewHeece& kee MegYeejbYe efkeee.
vewveerleeue yeQke efueefces[ kees mJeieeae Yeejle jlve hebef[le ieeseEJeo JeuueYe heble
Deewj DeveeW eje heescees efkeee ieee Lee peesefke Je<e& 1973 ceW yeQke Dee@]He
ye[ewoe kes meneeesieer yeQke yevee. Deepe, vewveerleeue yeQke ceW yeQke Dee@]He ye[ewoe kes
Mesej Oeeefjlee 98.57% nw Deewj en yeQke kee Deveg<ebieer yeQke nw. GejeKeb[
jepe ves efoveebke 3 Deiemle 2012 keer mejkeejer metevee eje DeefOemetefele
efkeee nw efke Deve meeJe&peefveke #es$e kes GheeceeW kes meeLe vewveerleeue yeQke
efueefces[ kees Yeer mecelegue mecePee peeS. yeQke ves MeeKee efJemleej kes keoce
G"eS nQ Deewj osnjeotve ceW #es$eere keeee&uee mLeeefhele efkeee pee egkee yeQke
heefjeeueveeW kee ye{eJee osves kes efueS Deeeceke eespeveeSb leweej keer nw. yeQke ves
15 MeeKeeDeeW ceW F& mQeEheie megefJeOee kee MegYeejbYe efkeee Deewj ceesyeeF&ue yeQeEkeie
SJeb F& yeQeEkeie Deeefo pewmes efJeefYeVe veF& metevee heeweesefiekeer keer henueW Yeer Meg
keer nw.
58
ye[ewoe heeeesefveej Smes cewveWpeceW kebheveer efueefces[ , heeesefveej iueesyeue

Smes cewvespeceW mhee kes meeLe Ske mebege Gece nw Deewj en heefjeeueve kes
heebeJeW Je<e& ceW nw. meceer#ee Je<e& kes oewjeve kebheveer Gmekes SetSce kees GuuesKeveere
{bie mes meg{ yeveeves ceW me#ece jne peesefke Je<e& oj Je<e& kes DeeOeej hej ye{kej
ceee& 2013 kees 75.0% nes ieee Deewj [sefye Deewj FeqkeJeer ceekex ceW heyeue
cebo eqmLeefleeeW kes yeeJepeto Yeer Ske ueeKe leke Heesefueees Ske$e kejves ceW me#ece
jne. en heieefle, mebmLeeiele mesieceW hej meg{ Oeeve kes Jepen mes ngF& pees efke
kebheveer kees Gvekes [sefye Deewj hetbpeer ceekex GlheeoeW meefnle efjsue efveJesMekeeW nsleg
megJeJeeqmLele efveJesMe eespeveeDeeW hej Oeeve keWefle kejves neefmeue ngF&. keF& veS
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kee ieewjJe heehle ngDee.
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Deeefmleeeb
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11 ceee& 1996
Yeejle
13,591.17 15,018.28 596.79
30
yee@yekee[&med efue.,
29 efmelebyej 1994
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14,546.46 16,019.04 1,922.74
33
102
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cewvespeceW kebheveer efue.,
5 veJebyej 1992
Yeejle
1,749.46
2,525.75 -1,871.98
88
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FbMeesjmW e kebheveer efue.
19 petve 2008
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37,586.92 4,19,621.90 -3,958.40
35
1,476
vewevf eleeue yeQke efue..,

31 pegueeF&, 1922
Yeejle
40,065.36 4,31,808.79 5,106.10
107
830
Fbe[f ee Fvee[s efue.

31.10.2012
Yeejle
30,801.66 30,813.10 801.66
jepeYee<ee veerefle kee keeee&vJeeve

meceer#ee DeJeefOe kes oewjeve Deehekes yeQke ves jepeYee<ee veerefle kes keeee&vJeeve ceW
GuuesKeveere heieefle keer nw. yeQke ves jepeYee<ee DeefOeefveece/ jepeYee<ee efveeceeW
keer efJeefYeVe mebJewOeeefveke DeeJeMekeleeDeeW kee Devegheeueve megefveeqele efkeee. yeQke
ves Yeejle mejkeej eje Jeee|<eke keeee&vJeeve keee&ece kes lenle efveOee&efjle

meYeer hecegKe ue#eeW kees heehle efkeee leLee mebmeoere jepeYee<ee meefceefle kees efoS
ieS DeeeemeveeW kees hetje efkeee. Fme Je<e& jepeYee<ee keeee&vJeeve keer veerefle ceW
Jeee|<eke keee&eespevee leweej keer ieF& leLee Gmekee Devegheeueve efkeee ieee.
yeQke kees jepeYee<ee kes #es$e ceW es keee&efve<heeove kes efueS Yeejle kes ceeveveere
je^heefle eer heCeJe cegKepeea eje heLece hegjmkeej kes he ceW Fbefoje ieebOeer
jepeYee<ee Meeru[ heoeve keer ieF&. Deehekes yeQke keer efnvoer heef$ekee De#eece kees
Yeer Yeejle kes ceeveveere je^heefle eer heCeJe cegKepeea mes Je<e& 2012 kes efueS
efleere hegjmkeej heehle ngDee.
2012-13
Deehekes yeQke ves Deheveer meYeer MeeKeeDeeW (peesefke meer yeer Sme ceW Dee egkeer nQ) kes
efHeveekeue efmemce ceW `ke' leLee `Ke' #es$e ceW heemeyegke / KeeleeW keer efJeJejefCeeeb
leLee Deve efjhees& eEnoer ceW pevejs SJeb eEhe kejves kes keee& kees Deewj DeefOeke
ieefle heoeve keer.
Fme Je<e& ieenkeeW keer megefJeOee kes efueS S.er.Sce. mes efvekeueves Jeeueer hee|eee
eEnoer ceW Yeer efvekeeueves keer MegDeele keer ieF& leLee S.er.Sce. kes meerve ceW
eEnoer Je Debiespeer kes meeLe meeLe iegpejeleer Je ceje"er Yee<ee Yeer heoe|Mele keer peeves
ueieer nw. Fmeer Je<e& eEnoer kes heeesie mes mebyebefOele efleceener heieefle efjhees& kes
meceskeve leLee efjkee[& kees JeJeeqmLele he mes jKeves kes efueS heieefle Dee@veueeFve
veece kee hewkespe eEnoer ceW leweej efkeee ieee.
Fme Je<e& DevegosMe keesMe kes meYeer Keb[eW kee DevegJeeo kej Fbêves hej Deheuees[
efkeee ieee. Je<e& 13 kes oewjeve DeeHekes yeQke ves oes Hegmlekes efJeeere meceeJesMeve
SJeb Yeejleere Yee<eeeW SJeb mebJeeo kee ekeeMeve efkeee.
efveosMeke ceb[ue
efnvoer hegmleke "efJeeere meceeJesMeve SJeb Yeejleere Yee<eeSb" SJeb DevegosMe keesMe kes 8 Keb[ebs kes efnvoer
mebmkejCe keer meer[er kee efJeceeseve
Deehekes yeQke keer ie=nheef$ekee `yee@yecew$eer', eEnoer heef$ekee `De#eeced' kees Yeejleere
efj]peJe& yeQke Meeru[ heefleeesefielee kes Debleie&le leermeje hegjmkeej heehle ngDee.
peehegj leLee ye[ewoe ceW Deehekes yeQke kes mebeespeve ceW keee&jle oesveeW veiej
jepeYee<ee keeee&vJeeve meefceefleeeW kees GuuesKeveere keee& efve<heeove kes efueS
Yeejle mejkeej, jepeYee<ee efJeYeeie eje heLece hegjmkeej heehle ngS. Fmeer Je<e&
Yeejle mejkeej, jepeYee<ee efJeYeeie eje Deehekes yeQke kes Debeue keeee&uee,
hegCes kees heLece, #es$eere keeee&uee, peesOehegj kees efleere leLee Debeue keeee&uee,
Denceoeyeeo kees le=leere hegjmkeej heoeve efkeS ieS. Deehekes yeQke keer ie=nheef$ekee
De#eeced kees `S yeer meer DeeF&' eje Yeejleere Yee<ee hekeeMeve mebJeie& ceW ìeesu[
heeFpe', Deheveer yeele kees efJeefMe keeuece (Yee<ee) mebJeie& ceW èfmeuJej heeFpe'
heoeve efkeee ieee.
Ghejese oes heef$ekeeDeeW kes Deefleefje Deehekes yeQke eje heeweesefiekeer kes ceeOece
mes efnvoer kes heeesie kees ye{eJee osves nsleg efnvoer Jesye heef$ekee ye[ewoe efnvoer
hekeeefMele keer peeleer nw. Fmekes DeueeJee nceejs yeQke kes mebeespeve ceW keee&jle
yeQke veiej meefceefleeeW eje Yeer efveeefcele he mes efnvoer heef$ekeeSb hekeeefMele keer
peeleer nw.
Deehekes yeQke kes mebeespeve ceW keee&jle veiej jepeYee<ee keeee&vJeeve meefceefleeeW
ves Deheves GejoeefelJeeW kees yeKetyeer efveYeeee nw. Je<e& kes oewjeve Deehekes yeQke kes
mebeespeve ceW peeuebOej, yeveejme leLee nueveer ceW leerve veF& veiej jepeYee<ee
keeee&vJeeve meefceefleeeb ieef"le keer ieF&. yeQke kes mebeespeve ceW kegue 9 veiej
jepeYee<ee keeee&vJeeve meefceefleeeb keee& kej jner nw.
mebmeoere jepeYee<ee meefceefle keer le=leere Ghemeefceefle ves Deehekes yeQke keer
pewmeuecesj MeeKee, efJekeeme veiej MeeKeeb SJeb eeeie MeeKee kee oewje efkeee
leLee jepeYee<ee keeee&vJeeve kes #es$e ceW yeQke eje efkeS pee jns nw heeemeeW keer
mejenvee keer.
eer Sme Sme cetbo[e yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9 (3)(S) kes lenle kesv mejkeej eje
21.01.2013 mes yeQke kes DeOe#e SJeb heyebOe efveosMeke kes he ceW efveege Jes
31.07.2014 leke DeLee&led Deheveer DeefOeJee|<elee keer leejerKe DeLeJee Deeieeceer
DeeosMeeW leke, pees Yeer henues nes, Deheves heo hej jnWies.
eer efhe eerefveJeeme yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3)(S) kes lenle kesv mejkeej eje
18.06.2012 mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele) kes he ceW efveege Jes 30.06.2016 leke DeLee&led Deheveer DeefOeJee|<elee
keer leejerKe leke DeLeJee Deeieceer DeeosMeeW leke, FveceW pees Yeer henues nes, Deheves
heo hej jnWies.
eer megOeerj kegceej pewve yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
veeefcele) kes he ceW efveege Jes heebe Je<e& keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW
leke, FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies
eer jbpeve OeJeve yewkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
veeefcele) kes he ceW efveege Jes 30.09.2015 leke DeLee&led Deheveer DeefOeJee|<elee
keer leejerKe DeLeJee Deeieceer DeeosMeeW leke, FveceW mes pees Yeer henues nes, leke
Deheves heo hej jnWies.
eer Sve. Sme. eerveeLe, hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he
ceW veeefcele) keee&keeue hetje nesves hej 01.06.2012 mes efveosMeke veneR jns.
[e@ (eerceleer) cemej&le Meeefno, DebMekeeefueke iewjmejkeejer efveosMeke, keee&keeue
hetje nesves hej 29.10.2012 mes efveosMeke veneR jner.
eer jepeerJe kegceej ye#eer hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he
ceW veeefcele) keee&keeue hetje nesves hej 01.11.2012 mes efveosMeke veneR jns.
59
2012-13
eer Sce [er ceuee, DeOe#e SJeb heyebOe efveosMeke, keee&keeue hetje nesves hej
01.12.2012 mes efveosMeke veneR jnW.
efveosMekeeW kee oeefelJe mebyebOeer DeefYekeLeve
efveosMeke ieCe, Fme DeeMee keer hegeq kejles nQ efke 31 ceee& 2013 kees meceehle
Je<e& kes efueS Jeee|<eke uesKee leweej kejles mecee
cenlJehetCe& efJemebieefleeeW, eefo keesF& nes, kes mecegefele mheerkejCe meefnle

uesKee ceevekeeW kee hetCe&le heeueve efkeee ieee nw.
Yeejleere efj]peJe& yeQke kes efoMee- efveoxMeevegmeej leweej keer ieF& uesKee
veerefleeeW kee efvejblej heeueve efkeee ieee nw.
efJeeere Je<e& keer meceeeqhle hej yeQke kes keee&heeuekeeW keer eqmLeefle leLee 31
ceee& 2013 kees meceehle Je<e& kes efueS yewke kes ueeYe keer JeemleefJeke SJeb
megmhe eqmLeefle hemlegle kejves keer eq mes leke&mebiele Deewj efJeJeskehetCe&
efveCe&e SJeb Deekeueve efkeS ieS nQ.
Yeejle ceW yeQkeeW hej ueeiet efveeceeW mebyebOeer heeJeOeeveeW kes Deveghe Gefele
uesKeebkeve efjkee[& leweej jKeves kes efueS mecegefele SJeb heee&hle meeJeOeeveer
yejleer ieF& nw leLee,
uesKeeW kees Gejesej peerJeble (kebmeve&) DeeOeej hej leweej efkeee ieee nw.
60
DeeYeej
efveosMekeieCe, Yeejle mejkeej, Yeejleere efj]peJe& yeQke, Yeejleere heefleYetefle SJeb
efJeefvecee yees[&, Deve efJeefveceeeke heeefOekeeefjeeW, efJeefYeVe efJeeere mebmLeeDeeW,
yeQkeeW leLee efJeosMeeW SJeb Yeejle eqmLele heefleefveefOeeeW eje efoS ieS ceeie&oMe&ve SJeb
meneesie kes efueS Gvekes heefle DeeYeej heke kejles nQ.
efveosMekeieCe, Deehekes yewke kes osMe- efJeosMe eqmLele mecemle efnle OeejkeeW eLee
ieenkeeW, MesejOeejkeeW SJeb MegYeeEelekeeW kes eje heoe meneelee SJeb meneesieer
keer mejenvee kejles nQ.
efveosMekeieCe, efJeefYeVe mlejeW hej keee&jle meHe meomeeW keer heefleyelee SJeb
ke[er cesnvele keer mejenvee kejles nQ efpemekes keejCe yeQke kees Deee|Leke egveewefleeeW
kes yeeJepeto Je<e& oj Je<e& Ge iegCeJeeehetCe& JeJemeee Dee|pele kejves ceW meHeuelee
neefmeue ngF& Deewj yewke ves osMe kes DeieCeer yeQke kes he ceW Deheveer eqmLeefle kees
cepeyetle efkeee.
efveosMeke ceb[ue kes efueS Deewj Gvekeer Deesj mes,
Sme Sme cetbo[]e

2012-13
DiRECTORS REPORT
Your Directors have pleasure in presenting the One Hundred

and Fifth Annual Report of your Bank with the audited Balance
Sheet, Profit & Loss Account and the Report on Business and
operations for the year ended March 31, 2013 (FY13).
Performance highlights
Segment-Wise Performance
The Segment Results for the year FY13 reveal that the
contribution of Treasury Operations was Rs 1,070.13 crore,
that of Corporate/Wholesale Banking was minus Rs 103.95
crore, that of Retail Banking was Rs 3,085.71 crore, and of
Other Banking Operations was Rs 2,221.71 crore. Your Bank
earned a Profit after Tax (PAT) of Rs 4,480.72 crore after
deducting Rs 1,442.37 crore of unallocated expenditure and
Rs 350.51 crore towards provision for tax.
Total Business (Deposit+Advances) increased to Rs

8,02,069 crore reflecting a growth of 19.3% (y-o-y).
Gross Profit and Net Profit were Rs 8,999.15 crore and

Rs 4,480.72 crore respectively. Net Profit registered a
growth of -10.5% over the previous year.
Credit-Deposit Ratio stood at 82.03% as against 86.86%

last year.
Retail Credit posted a growth of 6.7% constituting 16.6%

of your Banks Gross Domestic Credit in FY13.
Your Banks Directors have proposed a dividend of Rs 21.50

per share (on the face value of Rs 10/-per share) for the year
ended March 31st, 2013. The total outgo in the form of dividend,
including taxes, will be Rs 1,059.62 crore.
MSME Credit posted a growth of 30.3% constituting 19.7%

of your Banks Gross Domestic Credit in FY13.
Capital Adequacy Ratio (CAR)
net interest Margin (niM) as per cent of interest earning

assets in global operations was at the level of 2.66% and
in domestic operations at 3.11% during FY13.
net nPAs to net Advances stood at 1.28% this year

against 0.54% last year.
Capital Adequacy Ratio (CAR) as per Basel II stood at

13.30%.
net Worth improved to Rs 30,714.19 crore registering a

rise of 17.2%.
Book Value improved from Rs 637.37 to Rs 729.11 on

year.
Business per Employee moved up from Rs 1,466 lakh

to Rs 1,689 lakh on year.
Dividend
Your Banks Capital Adequacy Ratio (CAR) was comfortable

at 13.30% under Basel ii as on 31st March 2013.
Your Banks Net Worth as at 31st March 2013 was Rs 30,714.19
crore comprising paid-up equity capital of Rs 422.52 crore
and reserves (excluding revaluation reserves) of Rs 30,291.67
crore. An amount of Rs 3,421.10 crore was transferred to
reserves from the profits earned.
Provisions towards Retirement and Other Benefits

During the year FY13, your Bank made provision towards
contribution to gratuity (Rs 133.00 crore), pension funds
(Rs 683.96 crore), leave encashment (Rs 204.38 crore) and
additional retirement benefits (Rs 184.29 crore) on actuarial
basis. Total provisions under these four categories amounted
to Rs 1,205.63 crore during the year FY13, against Rs 991.94
crore during FY12. Total corpus available with your Bank at the
end of March 2013 under these heads was: Rs 1,506.13 crore
(gratuity), Rs 6,770.08 crore (pension funds), Rs 709.73
crore (leave encashment), and Rs 592.45 crore (additional
retirement benefits).
Key Financial Ratios

Particulars
FY13
FY12
Return on Average Assets (ROAA) (%)
0.90
1.24
Average Cost of Funds (%)
5.75
5.64
Average Yield (%)
8.29
8.55
Average Interest Earning Assets (Rs crore)
4,24,761.33
3,47,223.21
Average Interest Bearing Liabilities (Rs crore)
4,15,246.10
3,43,397.26
Net Interest Margin (%)
2.66
2.97
Cost-Income Ratio (%)
39.79
37.55
Book Value per Share (Rs)
729.11
637.37
EPS (Rs)
108.84
127.84
61
2012-13
Management Discussion and Analysis

Economic Scene in FY13 and Outlook for FY14
The projection of Indias real GDP growth for FY13 by the
Central Statistical Organisation (CSO) at 5.0% is the lowest
growth registered in this decade and even weaker than the
growth posted during the first year of global financial crisis.
The weakening of Indian economy during FY13 was broad
based and primarily driven by sub-optimal monsoon rains,
stagnant infrastructure, declining exports, subdued corporate
investments and weak consumption demand. Due to sluggish
global growth, the hitherto resilient services sector also
weakened considerably during FY13.
So far as the agriculture was concerned, its modest growth at
1.8% was mainly supported by the Rabi (winter) crop, as the
delayed monsoon affected the Kharif (summer) output.
Industrial growth (including manufacturing, mining & quarrying,
electricity, gas, water supply & construction) too declined
significantly to 3.1% during FY13. A slew of factors responsible
for this weak performance were poor global demand, weak
supply linkages, high input costs, sluggish investment activity,
regulatory and environmental bottlenecks, and lack of reliable
power supply. Furthermore, the slowdown in consumption
demand affected the growth of industrial sector, in general
and of motor vehicles, food products and apparel industries,
in particular.
Weaknesses in domestic industrial activity and fragile global
environment dragged down the services sector growth to 6.6%
in FY13.
While the overall growth slipped rather rapidly, the inflation,
however, remained rather sticky during the year suggesting a
stagflationary state of the economy. Though both the WPI and
CPI based inflation rates slipped from their peak levels, they
remained way above the RBIs comfort zone.
However, the WPI-based inflation consistently eased since
October, 2012. From a high of 8.06% in Sept, 2012 it fell
to 5.96% in Mar, 2013. With rising demand deficit in the
manufacturing sector, the core inflation too declined steadily
from 5.56% in Aug, 2012 to 3.48% in Mar, 2013. In contrast,
the retail (CPI-based) inflation stayed at 10.39% in Mar, 2013.
In view of the sharp deceleration in growth, the government
has been introducing several corrective measures and reforms
since mid-Sept, 2012 to help revive the economy. The reform
measures pertained to Fiscal Sector (upward adjustment in
the administered prices of fuels to curb energy subsidies,
expenditure control, medium-term fiscal consolidation plan,
launching of direct cash transfer programme, etc); to Balance
of Payments sector (Liberalisation of FDI in multi-brand retail,
domestic airlines, power exchanges, insurance & pension
companies, etc., liberalization of ECBs & a reduction in the
withholding tax on interest payments from 20.0% to 5.0%
for three years, increase in import duty on gold from 4.0%
to 6.0% and hike in the limit of foreign holdings of domestic
62
government & non-infrastructure corporate bonds, etc.); to

Investment (Creation of Cabinet Committee on Investment to
fast track major infrastructure and other projects, deferment
in the implementation of GAAR by two years to Apr 1, 2016);
to Financial Sector (Encouragement to Mutual Fund industry
outside of top 15 cities by allowing higher commissions
and passing of Banking Bill raising voting caps & allowing
new banking licenses to be issued while strengthening the
RBIs role). Furthermore, in the Union Budget for FY14, the
government was successful in containing the fiscal deficit as a
percentage of GDP at 5.2% and set a target of 4.8% for FY14.
Indias situation became more vulnerable on the external
front during FY13. The widening of the Current Account
Deficit (CAD) to a historically high level of 6.7% in Q3 of FY13
heightened concerns about the sustainability and financing of
CAD. Worsening trade deficit and slower growth in services
exports were the major factors behind the sharp rise in CAD.
Weak external demand, which affected merchandise exports
adversely, combined with continued high imports of POL and
gold, resulted in deterioration of the trade balance. During
FY13, Indias merchandise exports contracted by 1.76% to
US$ 300.6 billion, while imports rose by 0.44% to US$ 491.48
billion leaving a huge trade deficit of US$ 190.88 billion in FY13.
According to the commodity-wise data released by the DGCI&S,
merchandise export decline was mainly observed in items like
engineering goods, petroleum products, textiles and iron ore.
Wider trade and current account deficits have a tendency
to weaken the currency, raising domestic prices of imported
commodities, further fuelling Indias already high inflation rate.
Thanks to the decent capital inflows during FY13, Indias rupee
depreciated by 6.7% against the greenback during FY13 despite
a record high level of current account deficit. During the year
under review, India received US$ 18 billion in the form of FDI
(net term), US$ 24 billion in Portfolio Inflows (net terms), US$
30 billion in the form of External Commercial Borrowings &
Short-term Loans and US$ 24 billion as the total banking capital.
Going forward into FY14, as per the projections of the Economic
Advisory Council to Prime Minister, Indias economic growth is
expected to rise to 6.4% in FY14 from 5.0% in the previous year
on the back of recently introduced structural measures and an
expected normal monsoon. Moreover, steady easing of headline
inflation (WPI-based) will provide more space for monetary
policy to support growth. While the government has shown its
determination to contain the fiscal deficit, the current account
deficit remains a source of concern. However, the nation can
manage it by taking actions that are necessary to encourage
capital flows and by further streamlining the procedures.
Performance of indian Banking Sector in FY13 and

Outlook for FY14
During FY13, both the deposit and lending growth of the
banking industry decelerated significantly on the back of overall
economic slowdown and elevated inflationary pressures. On
an average, the growth differential between deposit and credit

kept hovering between 250 and 300 bps with deposit growth
outpacing the credit growth. This kept liquidity persistently tight
in the banking industry.
The cost of deposits and other funds remained high throughout
the year on account of the various monetary tightening
measures undertaken by the Reserve Bank of India (RBI).
People preferred to park their funds in higher yielding fixed
deposits rather than current or savings account (CASA). As a
result, CASA accretion slowed for most banks which led to a
high cost of funds for banks.
A broad-based industrial slowdown adversely impacted the
asset quality of banks, especially of the state-owned banks as
they were the ones who primarily supported productive sectors
post the global crisis of FY09. Slowing loan growth weighed
on the NIMs (net interest margins) of the banking industry.
Low NIMs combined with higher credit costs (provisioning
requirements) including the ones on restructured loans
depressed the earnings of several banks during FY13.
A sharp drop in new project sanctions during FY12 and FY13 will
be felt on the loan demand during FY14, as current sanctions
exhaust. According to Standard & Poors (S&P) Ratings Agency,
credit growth for Indian banks is likely to remain muted at 15.0%
in FY14 due to several economic and political uncertainties.
While the revival of power, roads, metals and mining sectors
depends most on government action, the revival of construction
and consumer durables is directly related to economic recovery
and increased consumption. However, Indian banking industrys
core customer deposit base will continue to provide access to
stable funds.
According to S&P, while non-performing assets of banks will
surge to 3.9% of gross loans in FY14, the banks return on
assets will remain depressed, at about 0.9%. Moreover, the
Indian banking industry would face a capital shortfall of US$
3-4 billion if it immediately tried to attain common equity Tier-1
ratio of 8.0% to comply with Basel III guidelines, which kicked
in on April 1, 2013.
Risk Management
In order to ensure sustainable and consistent growth
performance, your Bank has developed a sound risk
management framework so that the risks assumed by the
Bank are properly assessed and monitored continuously. It
may be noted that the ultimate responsibility for setting up
the risk management framework lies with the Board of the
Bank. It includes setting up risk appetite, framing policies and
effective monitoring. Your Banks Board has put in place a
robust Enterprise-wide Risk Management architecture so that
the risks remain within the risk appetite defined by the Board.
A brief outline of the mechanism for identifying, evaluating and
managing various risks is as follows.
2012-13
Liquidity Risk
Liquidity risk implies the risk when the Bank either does not
have sufficient financial resources available to meet its financial
obligations, as and when they are due, or can only access
these financial resources at excessive and unsustainable cost.
Liquidity risk may arise from the failure to recognize or address
changes in market conditions that affect the ability to liquidate
assets quickly and with minimal loss in value. In your Bank,
the liquidity risk is measured and monitored by flow approach
on a daily basis against prudential caps fixed for liquidity
gap positions. Moreover, liquidity position is projected every
fortnight, for the subsequent three months on a dynamic basis
through Dynamic Gap Reports. The quality of liquidity is further
tested by working out various ratios under Stock Approach,
wherein a series of prudential caps such as daily call lending,
daily call borrowings, net short-term borrowings and net credit to
customer deposit ratio and prime asset ratio, etc. are tested on
a daily basis. The compliance to Stock Approach caps ensures
that the Bank has managed its liquidity through appropriate
diversification and remained within the sustainable limit.
The monitoring of liquidity risk, cost of liquidity, opportunities
and return from deployment, available contingencies, etc is
done by the Asset Liability Committee (ALCO) which comprises
of General Managers and Executive Directors and is headed
by the Chairman and Managing Director. The prudential caps
are monitored by ALCO by way of various regular and special
reports.
Credit Risk
Credit risk implies potential loss to the Bank on account of either
lack of capacity or unwillingness of a counterparty to meet its
obligations as per the agreed terms. Credit risk is managed in
your Bank through a clearly articulated framework that sets out
policies, procedures and reporting. In line with international best
practices, there is a clear segregation between risk takers and
policy framers. Furthermore, the Bank has adopted risk-based
delegated lending power where higher discretionary lending
powers have been delegated for low credit risk proposals. Your
Bank also conducts industry studies to assess the risk prevalent
in industries where the Bank has sizable exposure and also
for identification of sunrise industries. The industry reports
are communicated to the Banks field-level people to consider
the same while lending to these industries. However, to avoid
imprudent concentration, your Bank has put in place prudential
caps across industries, sectors and borrowers.
Your Bank has adopted a robust two dimensional credit rating
system from 2007 onwards and has now built up six-years data
on credit rating and borrowers rating migration. This preparation
has enabled your Bank to make an application to the RBI to
migrate to Foundation Internal rating based (FIRB) approach
of credit risk under Basel II rules. The FIRB implementation will
also prepare your Bank to drive its business in more systematic
and sophisticated manner in terms of risk-based pricing,
portfolio construction and fixation of risk appetite.
63
2012-13
Market Risk
Banks Preparedness for Basel iii
Market Risk implies the risk of loss of earnings or economic

value due to adverse changes in market rates or prices. The
sources of market risk may be enumerated as under.
The Reserve Bank of India (RBI) has issued final Guidelines on

Basel III on May 2, 2012. The international regulations on new
liquidity standards Liquidity Coverage Ratio and Net Stable
Funding Ratio are currently subject to an observation period/
revision by the BCBS [Basel Committee on Banking supervision]
with a view to addressing any unintended consequences that
the standard may have for financial market, credit extension
and economic growth. Hence, the framework has been put on
hold for implementation.
Interest rate risk: The risk that aries from changes in yield
curves, credit spreads and volatility in interest rates.
Currency exchange rate risk: The risk that arises from

changes in exchange rates and their volatility.
Equity price risk: The risk that arises from changes in

the prices of equities, equity indices, equity baskets and
volatility in stock market.
The market risk may also arise from changes in commodity

prices and volatility. However, your Bank does not have any
exposure to commodity related markets.
Your Bank has clearly articulated policies to control and monitor
its treasury functions. These policies comprise management
practices, procedures, prudential risk limits, review mechanisms
and reporting systems. These policies are reviewed regularly in
line with changes in financial and market conditions.
The Interest rate risk in your Bank is measured through Interest
Rate Sensitivity Gap Reports and Earning at Risk. Furthermore,
your Bank calculates duration, modified duration, Value at Risk
for its investment portfolio consisting of fixed income securities,
equities and forex positions on monthly basis. It monitors the
short-term Interest rate risk from the NII (Net Interest Income)
perspective and long-term interest rate risk from the EVE
(Economic Value of Equity) perspective. The Value at Risk for
the treasury positions is calculated for ten days holding period,
at 99.0% confidence level. Moreover, the stress testing of fixed
interest investment portfolio through sensitivity analysis and
equities through scenario analysis is regularly conducted in
your Bank.
Based on the RBI directions, your Bank has also been estimating
the Economic Value of Equity Impact on a quarterly basis.
Operational Risk
Operational risk is the risk of loss on account of inadequate
or failed internal processes, people and systems or external
factors and also includes a legal risk. Operational Risk
Management Committee (ORMC) of your Bank shoulders the
responsibility of monitoring and controlling the operational
risk by way of prescribing/amending processes, imposing
controls and defining roles and responsibilities. Your Bank has
a robust inspection and audit system to ensure that its internal
guidelines, policies and procedures are complied with.
Your Bank is in the process of implementing a sophisticated
system to capture, measure, monitor and manage its
operational risk exposures by installing an enterprise-level
automated web based solution of international standard. The
solution is expected to be operational before the end of the
current year. This will enable your Bank to meet the quantitative
and qualitative requirements of the Standardized Approach
(TSA) and Advanced Measurement Approach (AMA) of Basel
II rules of Operational Risk Capital Measurement.
64
A comparison of minimum capital requirement, under Basel- II

vis--vis Basel- III, on full implementation of capital rules is
given below.
Parameter
Basel - ii
Basel - iii
5.50%
Tier I Capital
6%
7%
Total Capital
9%
9%
Capital Conservation
Buffer (a buffer of capital
that can be used to
absorb losses during
periods of financial and
economic stress.) (in the
form of Common Equity)
NA
2.50%
Common Equity Capital
The RBI guidelines on capital rules have become effective

from 1st April 2013. Apart from meeting the new capital rules,
a risk insensitive Leverage Ratio will also be required to be
implemented from 30th June 2013. With the preponderance
of common equity in the tier I capital as well as total capital
of the Bank, your Bank does not envisage any difficulty in
implementing Basel III capital rules.
Credit Monitoring Function

Credit monitoring on a continuous basis is one of the most
important tools for ensuring the quality of advance assets. Your
Bank has the system of monthly monitoring of the advance
accounts at various levels to prevent asset quality slippages
and to take timely corrective steps to improve the quality of
credit portfolio.
A separate department for Credit Monitoring functions at the
Corporate level, headed by a General Manager, and one at the
Regional/Zonal level, has been functioning in your Bank since
September 2008. A Slippage Prevention Task Force was formed
at all Zonal/Regional offices based on the Banks Domestic
Loan Policy. This Task Force was activated for the purpose of
arresting slippages and for initiating necessary restructuring
in potentially sick accounts. This was achieved at an early
stage in conformity with the laid down norms and guidelines.
Your Bank has placed a special focus on sharpening the credit
monitoring process for improving its asset quality, identifying
areas of concern and branches requiring special attention,
working out strategies and ensuring their implementation in a
time bound manner.

The primary objectives of the Credit Monitoring Department
at the Corporate level are fixed as under.

Identification of weakness/Potential default/incipient

sickness in the account at an early stage;
Initiation of suitable and timely corrective actions for

preventing impairment in credit quality, whenever signals
are noticed in any account, e.g. decline in credit rating,
delay in meeting liabilities in LC/Guarantee and delay in
servicing of interest/ installments etc;
Prevention of slippage in the Asset Classification and

relegation in Credit Ratings through vigorous follow up;
Identification of suitable cases for restructuring/

rescheduling/rephasement to explore the possiblility of
further financing in deserving and genuine cases; Liaison
with CDR Cell and functional units is undertaken on
continuous basis.
Taking necessary steps/regular follow up, for review of

accounts and compliance of terms and conditions, thereby
improving the quality of the Banks credit portfolio;
Endeavouring for upward migration of Credit Ratings.
Monitoring progress of accounts under BIFR.
2012-13
Prevention of Slippages
As a part of an ongoing business strategy to improve upon the
quality of assets, your Bank reaffirmed the need to look into
the advances portfolio on a continuous basis, industry-wise as
well as borrower-wise, to analyze the present position and the
problems foreseen in near future and to identify weaknesses/
potential default/incipient sickness in the advance accounts at
an early stage so as to initiate suitable and timely corrective
measures for preventing impairment in credit quality.
Your Bank launched an online web-based software developed
by its IT Department for MMRs (Monthly Monitoring Reports) in
respect of advance accounts with Fund-based plus non-fundbased exposure of Rs 10 crore and above in January 2013.
This will enable speedy and effective monitoring of advances
and ensure timely action in respect of stressed accounts.
Your Bank also initiated follow up actions for ensuring
expeditious review of accounts, compliance of terms and
conditions, up-gradation in credit rating etc. in high value
advance accounts for improving the asset quality of its credit
portfolio.
During FY13, your Bank undertook restructuring of various
advances accounts in its global operations as per the table
given below.
Restructuring of Advance Accounts (Global)

Done during FY 2012-13
(` crore)
Particulars
Standard Advances
Restructured
CDR Mechanism
Doubtful
Advances
Restructured
Total
Others
Total
No. of Borrowers
26
743
17,455
18,224
Amt. Outstanding
2,031.92
950.61
4,533.60
7,516.12
177.42
11.05
124.83
313.30
No. of Borrowers
44
620
665
Amt. Outstanding
68.30
52.19
373.38
493.87
Sacrifice [diminution
in fair value]
5.18
0.02
1.13
6.33
No. of Borrowers
349
358
Amt. Outstanding
20.43
475.64
496.07
in fair value]
0.04
10.86
10.90
No. of Borrowers
27
796
18424
19247
Amt. Outstanding
2,100.22
1,023.23
5,382.62
8,506.06
182.60
11.12
136.81
330.54
in fair value]
Sub-standard
Advances
Restructured
SME Restructuring
in fair value]
65
2012-13
Economic intelligence Unit

At the Corporate Office of your Bank, a specialized Economic
Intelligence Unit (EIU) supports the Top Management in
several critical areas like Macroeconomic Forecasting,
Business Strategy Formulation, Investor Relations, AssetLiability Management and in discussions/deliberations with
the Regulators (both domestic & international) and Rating
Agencies. The Unit regularly provides the Top Management
as well as various operational units a periodic outlook on
key macro variables like industrial and infrastructural growth,
inflation, interest rates, stocks movement, credit deployment
& resource mobilization of Banking industry, liquidity conditions
and exchange rates.
Low Risk, 735 branches (24.13%) were in Medium Risk and

105 branches (3.45%) were in High Risk categories.
The I.S. Audit Cell working under Inspection Division, is based
in Mumbai and performing the function of Offsite Surveillance.
In line with the guidelines issued by the Department of Financial
Services, Ministry of Finance, your Bank has implemented the
following.

Audit Committee of Executives has been established to

oversee the work of Central Inspection & Audit Division and
Zonal Audit Committees with effect from March 2013. This
is expected to strengthen further the level of compliance
of systems, procedures and internal guidelines.
By providing better understanding of macroeconomic aspects,

corporate sector health and banking sector policies, the EIU
of Bank of Baroda supports Banks efforts in tapping business
opportunities and swiftly responding to market dynamics.
The Concurrent Audit Policy, Manual and Scoring Sheets

duly approved by Audit Committee of the Board and Risk
Based Concurrent Audit will be implemented from the next
financial year.
The EIU brings out a weekly e-publication on macro-economic,

policy and regulatory developments to share its perspective
with bankers, investors, regulators and other industry
leaders. The division works as an intellectual arm of your
Bank in comprehending developments that eventually aid the
development of rightly aligned strategies.
The coverage of Concurrent Audit has been increased to

834 branches in 2013-14 from 709 branches in FY13 and will
cover 64.36% of the Banks total deposits, 80.87% of its total
advances and 71.13% of its total business as on 31.12.2012.
internal Control Systems

Your Bank has a well established Central Inspection & Audit
Division (CIAD) that examines the adherence to systems,
policies and procedures of the Bank. The guidelines received
on various issues of internal control from RBI, Government
of India, Banks Board and the Audit Committee of the Board
have become part of the Internal Control System for better risk
management.
With the size of business increasing year after year, the CIAD is
constantly aiming for curbing the inherent risks through effective
control mechanism so as to safeguard the Banks interest.
The CIAD operates through thirteen Zonal Inspection Centres
to carry out the inspection of branches/offices as per the
periodicity decided by the Audit Committee of the Board and
examines adherence to such systems of internal control and
risk management.
The Audit Committee of the Board oversees the Internal Audit
function of your Bank. The committee guides in developing
effective internal audit, concurrent audit, IS Audit and all other
inspection & audit functions for improving the efficiency of
systemic controls. The committee monitors the functioning
of the Audit Committee of Executives and inspection/audit
department in the Bank.
Audit Committee of Executives has been established and is
one layer above the CIAD and it monitors the entire inspection
system in the Bank. The Audit Committee of Executives has
worked as a strong deterrent and preventive mechanism
for frauds as it focuses on audit system in the Bank and its
effectiveness in getting the desired results.
All the branches of your Bank are covered under the Risk Based
Internal Audit (RBIA). A total of 3,046 branches were inspected
during FY13. Out of these, 2,206 branches (72.42%) were in
66
As per the observation made by the RBI during Annual Financial

Inspection: 2011-12, Credit Audit will now be nurtured as a
specialized function within CIAD and the new structure will start
functioning from July 2013. The Credit Audits were conducted
in respect of 3,504 accounts covering fund-based and nonfund-based business of Rs 1,97,048 crore ensuring increased
level of compliance for large loans.
To summarise, your Banks Central Inspection & Audit Division
has been effectively monitoring the compliance of systems &
procedures laid down by its own Board, the Regulator and the
Government of India.
Operations and Services

Customer-Centric initiatives
As always, efficient customer service and customer satisfaction
are the primary objectives of your Bank in its day to day
operations. Your Bank is highly responsive to the needs and
satisfaction of its customers, and is committed to the belief
that all technology, processes, products and skills of its people
must be leveraged for delivering superior banking experience
to its customers.
Recently, your Bank has taken several measures to improve
the customer service at its branches and at the same time,
strengthened the customer complaint redressal machinery
for fast disposal of customer complaints. Your Bank has
implemented Standardized Public Grievances Redressal
System (SPGRS), a web-based customer complaint redressal
module.
Some of the other major initiatives in improving the customer
service during FY13 are as under.
1.
Online Fixed Deposits- The Banks customers can now

make online Fixed Deposits through the system called
Baroda Connect.
2.
SMS alert facility

a.
b.
Financial transactions: In respect of transactions

where the amount is greater than or equal to Rs 5,000
has been enabled to all resident savings and current
deposit holders and overdraft customers of the Bank
whose mobile numbers are registered in the Banks
record (CBS system).
non financial transactions:
i.
ii.
For renewal of term deposits: 30 days before due

date.
Communicating to the potentially dormant account
holders (i.e. before the account becomes dormant)
to operate the accounts.
iii. To advise dormant account holders to activate

their accounts.
3.
intra-Bank Deposit Account Portability: This means

savings, current and time deposits accounts in your Bank
may be transferred from one branch to another branch
without changing the account number.
4.
Activation of inoperative Accounts: A campaign was

launched for activation of Inoperative Accounts during the
period 01.09.2012 to 30.12.2012. Your Banks branches
were advised to put their all out efforts for activation of
inoperative/dormant accounts and to prevent potential
dormant accounts from becoming dormant/ inoperative.
5.
Campaign for Mobile number/Email iD Registration: A

campaign was launched with some incentives to staff from
01.01.2013 to 31.03.2013 to register mobile numbers and
email-ids in existing as well as new accounts.
6.
Details of Principal nodal Officer in Pass Book: For

convenience of customers to lodge their grievances/
complaints, the process has been initiated to incorporate
the details of Principal Nodal Officer and Banking
Ombudsman in the passbook at the time of passbook
printing. In the meantime, the branches have been advised
to affix these details in all passbooks by a rubber stamp.
7.
Display of gross interest on Term Deposit: This means

monthly or quarterly interest paid or tax deducted at source,
etc., are displayed separately in the customers saving bank
(SB) account statement.
8.
Compensation for ATM failed Transactions: Branches

were advised to resolve the complaints lodged on the
ATM failed transactions, cash not dispensed, etc., and the
account is credited within seven working days from the date
of lodging the complaint.
If not resolved, compensation of Rs 100 per day will be
paid from the eighth day till the amount is re-credited
automatically by the Bank.
9.
nEFT/RTGS: To popularize remittance through NEFT

[National Electronic Funds Transfer] and RTGS [Real time
Gross settlement], the remittance request for fund transfer
up to Rs 50,000 is accepted from the walk-in customers.
Moreover, the following information is displayed on the
Banks website.
1.
Notice for CTS 2010 (Cheque Truncation System)

Standards Cheque Book as per the direction of the RBI.
2012-13
2.
Checklist along with all relevant forms for deceased

account claim settlement.
3.
Display of the list of inoperative/dormant/unclaimed

deposit accounts on the Banks website (only name
and address of the customers more than 10 years are
displayed as per the advice of the RBI).
Efforts to improve Customer Service at Branches

The feedback on quality of customer service at branches
is obtained through the Branch Level Customer Service
Committee meetings that are held every month in which
customers from various cross sections of the society are invited
including senior citizens and pensioners. The suggestions/views
generated during the meetings are collated and an appropriate
follow-up action is taken to examine the feasibility to implement
the suggestions for improving the service quality.
Your Bank is focused towards providing excellent customer
service through all delivery channels and has been making
continuous efforts for enhancing the level of customers
satisfaction by leveraging technology to provide e-products and
alternative delivery channels e.g. ATM/Debit cards, POS, Internet
Banking, Mobile Banking, etc., best suited to the diverse needs
of different customers. The varied interests and expectations
of customers are taken care of by improving upon various
processes and procedures.
Compliance
Your Bank is a member of the Banking Codes and Standards
Board of India (BCSBI) and has adopted the Code of
Commitment to the Customers prescribed by the BCSBI
in August 2009. It has also adopted the Code of Banks
Commitment to MICRO and Small Enterprises. These have
been placed on your Banks website and also made available
to customers at the branches.
While announcing the Annual Monetary and Credit Policy for
the year FY11, the Governor, RBI, had proposed that banks
should devote exclusive time in their Board Meetings once in
every six months to review and deliberate on issues concerning
customer service/customer care. To comply with this, two such
six monthly reviews were undertaken by your Banks Board
for the sub-periods January-June 2012 and July-December
2012, in meetings dated 4th August 2012 and 3rd March 2013,
respectively.
Customer Service Committee of the Board

Your Bank has a Sub-Committee of Board for Customer
Service which is headed by your Banks Chairman and
Managing Director with the following members as on 31st
March 2013.
1 Shri S. S. Mundra
Chairman & Managing

Director
2 Shri P. Srinivas
Executive Director
3 Shri Sudhir Kumar Jain
Executive Director
4 Shri Ranjan Dhawan
Executive Director
5 Shri Maulin Arvind Vaishnav Director

6 Shri Satya Dev Tripathi
Director
67
2012-13
This Sub-Committee addresses the issues relating to the

formulation of policies and assessment of their compliance which
brings about consistent improvement in the quality of customer
service. It also monitors the status of the number of deceased
claims pending for settlement beyond 15 days pertaining to
depositors/locker hirers/depositors of safe custody articles, and
reviews the status of implementation of awards passed by the
Banking Ombudsman.
Standing Committee on Customer Service

Your Bank has also set up a Standing Committee on
Procedures and Performance Audit on Customer Services,
comprising of three eminent public personalities as members
along with all the three Executive Directors and four General
Managers of your Bank. This Committee oversees timely and
effective compliance of the RBI instructions on Customer
Service and also reviews the practices and procedures
prevalent in your Bank and takes necessary corrective steps
on an ongoing basis.
The suggestions emanating in the Branch Level Customer
Service Committee meetings are obtained by your Banks Head
Office on quarterly basis from Regional Offices and placed
before the Standing Committee on Procedure and Performance
Audit on Customer Services. The feedback of the committee
meetings is then put up to the Customer Service Committee
of the Board of Directors.
Customer-Centric initiatives and Redressal of

Complaints

Your Bank has put in place a Customer Grievance

Redressal Policy, approved by the Board, and a well
structured Customer Grievance Redressal Mechanism.
The General Manager in charge of Operations & Services
is designated as Nodal Officer for customer complaints
regarding your Bank. At Zonal and Regional levels, Zonal
Heads and Regional Heads are designated as Nodal
Officers for their respective Zones and Regions. The names
of all Nodal Officers along with their contact numbers are
displayed in all the branches.
A note on Review of Customer Services & Grievances
Redressal is placed before the Board of Directors
every quarter giving position of customers complaints
received at your Banks Regional Offices and Head office.
Subsequently, relevant follow up measures with important
initiatives are taken by your Bank for improving the service
quality to customers.
To minimize customer complaints and to ensure hassle
free customer service, a regular analysis is done on the
complaints received from the customers and a suitable
action is taken on time so that there is no repetition of such
complaints in future.
maintaining centralized data base of all complaints, your Bank

has implemented Standardized Public Grievance Redress
System to enable the complainants to lodge their grievances
in a simple and easy manner through multiple channels.
Furthermore, to facilitate this, an icon online complaints
(SPGRS) has been provided on the home page of your Banks
website.
Features of SPGRS

An icon online complaints (SPGRS) has been provided

on the home page of your Banks website.
Immediately upon registering the grievances/complaints,

an automatic tracker id is generated and the same is
conveyed to the complainant on his e-mail id. On the basis
of this tracker-id, a customer is able to know the current
status of his complaint/grievance.
The same tracker id is also sent to the concerned branch

through e-mail for speedy disposal of the grievances.
An auto escalating matrix to next higher authority is also

provided in redressing the grievances depending upon the
number of days taken to resolve the complaint.
An auto generated text message is sent to the complainant

at the time of closure of the grievances.
Upon implementation of SPGRS, the turnaround time for

the redressal of grievances/complaints lodged has been
reduced drastically to an average of five to seven days.
Your Bank has installed KIOSK, a dedicated computer

system at all Zonal Offices along with the Head Office, to
enable the customers to lodge their grievances/complaints
online.
Based on the feedback and suggestions from the grass root

level customer committees and various studies/surveys, a slew
of customer centric initiatives and measures were taken by
your Bank during the year under review to improve customer
service at its branches.
Systems for KYC-AML-CFT

Know Your Customer (KYC) norms/Anti-Money Laundering
(AML) Standards/Combating of Financing of Terrorism
(CFT) measures and Obligation of Bank under PMLA, 2002
Your Bank has a Board-approved KYC-AML-CFT Policy. The
said Policy is the foundation on which the Banks implementation
of KYC norms, AML standards, CFT measures and obligation
of the Bank under Prevention of Money Laundering Act (PMLA)
2002 is based.
The major highlights of KYC-AML-CFT implementation
across the Bank are as under.

Your Bank has Board-approved policies on customer

services and the same are placed on your Banks website.
The Bank generates Cash Transaction Reports (CTRs)

electronically for submission to Financial Intelligence
Unit (FIU), through the electronic medium.
To facilitate customers, as directed by Ministry of Finance

(MOF), Govt. of India, vide their letter No. DO:NO:1/3/2012-BOIII dated 11th June, 2012, to bring uniformity in all banks and for
The AML Solution for generating system-based alerts

has been installed and implemented.
There is a system-based detection and submission

of Suspicious Transaction Reports (STRs) to the
Financial Intelligence Unit (FIU).
68

System-based Risk Categorization (from AML

Measure) of Banks customers accounts has been
done every half year.
The Bank files Counterfeit Currency Reports (CCRs)

to FIU-IND, New Delhi.
The Bank files Non Profit Organizations Transaction

Reports (nTRs) to FIU-IND.
The full KYC compliance entails Staff Education as

well as Customer Education for which the following
measures are taken by the Bank.

A comprehensive list of KYC documents is uploaded

on the Banks website (www.bankofbaroda.com) for
the benefit of customers.
A KYC-AML page is created at the Banks INTRANET

for posting reference material on KYC-AML-CFT
education.
Regular training sessions are conducted on the

KYC-AML-CFT guidelines at the Banks training
establishments.
Training is being arranged for the Banks senior officials/

executives at RBI, IBA (Indian Banks Association) and
National Institute of Bank Management (NIBM).
Sustained efforts are being made to create expertise

at the Banks Head Office for the Corporate Oversight
and also for the KYC Audit of branches.
Back Office Operations

Regional Back Offices and City Back Offices
Two types of Back Offices have been conceptualized and rolled
out by your Bank Regional Back Offices (RBO) and City Back
Offices (CBO). The RBO deals with centralized processing of
account opening forms (AOF) and centralized processing of
issuance of Personalized Cheque Books (PCB). Your Bank has
ten RBOs - one each at Baroda, Bhopal, Delhi, Coimbatore,
Mumbai, Lucknow, Jaipur, Kolkata, Pune and Jamshedpur. The
RBOs are opening CASA accounts for 2,915 branches. The
Centralised account opening activities of seven RBOs have
ensured coverage of 100.0% branches of eight zones of your
Bank and the process has been initiated to roll out two more
RBOs to cover all the remaining branches of the Bank under
the RBO process for account opening and maintenance.
The Personalised Cheque Book (PCB) issuance through
Regional Back Offices provides customers of the 3,908
branches of your Bank with this facility. Your Bank has extended
this facility to all the branches in 12 out of its 13 zones. The
remaining branches of the Rajasthan Zone will soon be brought
under the PCB issuance facility to cover customers across
entire India.
The CBOs deal with centralized upload of clearing transactions
both inward and outward as well as government collections
and ECS transactions. Your Bank has 21 CBOs (service
branches) where clearing and ECS are centralized for branches
in each city/centre. The centralization of clearing has also been
introduced in 64 main branches (which handles clearing for
2012-13
local branches). The CBO concept has so far covered 1,372

branches of your Bank. During FY13, your Bank has introduced
fully automated cheque processing system at Mumbai,
Ahmedabad and Surat.
Government Business & Currency Chest

Given below are the new business avenues opened by your
Bank in the domain of Government Business during FY13.
1.
Your Bank has obtained permission for Tax Collection

in the states of Jharkhand, Orissa, Assam, Tripura, West
Bengal, Daman & Diu, Chhattisgarh, MP, Chandigarh,
Kerala, Pondicherry.
2.
Additional 350 branches have been authorized by your

Bank for undertaking PPF/SCSS business.
3.
Your Bank undertook special campaigns for the mobilization

of PPF accounts with effect from 1st December, 2012 to
31st March, 2013 and total, 22,540 new PPF accounts
were mobilized during the campaign period.
4.
The Remittance business from Ministry of External Affairs

through their missions/ posts abroad has also been
obtained. The International Business Branch (IBB) located
in New Delhi has been identified as Nodal branch for
settlement of funds in respect of Banking arrangements
under the scheme.
5.
The Bank implemented physical collection of Custom

Duty at Kennedy Avenue Branch, Amritsar and B M Marg
Branch, Jallandhar.
6.
In Tamil Nadu, the payment of RTO taxes through e-mode

has been made operational in your Bank.
7.
Around 15 more branches in Delhi and Himachal Pradesh

of your Bank have been activated for the purpose of
e-stamping.
8.
Your Bank has activated the GBM module for the receipt
and payment of RBI Bonds. All the authorized branches
have now migrated the entire data into the GBM module
and changed the reporting system as per the RBI
requirement.
9.
For e-payment of Direct taxes by all the Banks branches,

CA118 menu developed in Finacle which provides off line
mode for the remittance of taxes.
10. Establishment of CPPC for processing and payment of

pension to the Telecom pensioners.
new Pension Scheme (nPS)

Your Bank has made operational the New Pension Scheme
(NPS) under NPS-Lite. After launching the scheme on
14.09.2012 in your Bank, a total of 20,872 applications were
canvassed up to 31.03.2013 under the scheme.
Cash Management & Currency Chest

1.
Your Bank has managed to maintain the Cash Deposits

Ratio (Without ATM cash) at 0.30 or below by constant
monitoring and follow up with the Zones/Regions.
69

2.
2012-13
Your Bank has identified 30 centers for opening of new

currency chest and has begun the process of obtaining
the sanction from various authorities.
Strategic Plan on Currency Management (2011-14)

As a customer-centric Initiative to improve payment system, your
Bank has identified 30 new centres for opening New Currency
Chests under Strategic Plan on Currency Management 201114, thereby increasing total No. of Currency Chest from 84 at
present to 114.
Sr.
no.
1
2
3
4
5
6
7
8
9
10
11
12
13
name of the Zone
Bihar Orissa & Jharkhand Zone

Eastern Zone
Greater Mumbai Zone
North Gujarat Zone
South Gujarat Zone
Maharashtra & Goa Zone
MP & Chhatisgarh Zone
Northern Zone
Rajasthan Zone
Karnataka & AP Zone
Tamilnadu & Kerala Zone
Eastern UP Zone
WUP & Uttarakhand Zone
TOTAL
new Currency
Chest Proposed
over three years
(By March 2014)
03
04
00
02
00
02
04
01
04
01
01
06
02
30
Vigilance
contracts concluded are put on your Banks website for widest

possible publicity.
Your Bank has introduced a facility for on-line application and
tracking status thereof in respect of Housing loans, Education
loans and Auto loans. Standardized Public Grievance Redress
System (SPGRS) as advised by the Ministry of Finance for
uniform implementation in PSBs is made active with effect
from 11th January, 2013.
It is heartening to note that with the awareness, alertness
and diligence exhibited by the operating staff, 40 fraudulent
attempts by unscrupulous elements were thwarted in your
Bank which saved it from a colossal financial loss.
Business Performance
Given below are the details of your Banks major achievements
on the business front during FY13.
Resource Mobilisation and Asset Expansion

The share of Banks Deposits in total resources stood at
86.6% as of 31st March 2013. The Total Deposits grew
from Rs 3,84,871.11 crore to Rs 4,73,883.34 crore, posting
a healthy growth of 23.1% over the previous year. Of this,
Savings Bank Deposits a critical component of low cost
deposits grew by 13.04% from Rs 74,579.53 crore to Rs
84,302.61 crore.
The share of low cost deposits (Current + Savings) or
CASA deposits in Total Deposits was at 25.3% and in
Domestic Deposits at 30.4%.
Your Banks Total Advances expanded by 14.2% during FY13
led by 11.0% expansion in Domestic Advances and 21.89%
expansion in Overseas Advances.
Despite global changes towards automation and other drastic

changes that are taking place in the banking industry, its very
nature remains person oriented. Banking unlike production
organisations demands personalised service hence the quality
of its service largely depends upon the quality and attitude of
its personnel.
It has been the endeavour of the Vigilance department of
your Bank to encourage and enable the operating level staff
as also those at controlling offices to exercise due care and
caution to take preventive and detective measures. This helps
in increasing efficiency and creating an environment of security
for the honest workforce.
Careful distinction is made by your Banks Vigilance department
between the cases of gross negligence and the cases where
business decisions have gone awry. Also, periodical monitoring
of individual cases is carried out to ensure that inquiries are
quickly concluded and are perceived as fair by all the concerned
parties. Endeavour is made towards ensuring that penalties,
where necessary, are timely and just.
Vigilance machinery in your Bank is effectively performing
its proactive role in new risk prone areas emerging in
computerised/e-banking environment, in addition to sensitising
all categories of staff members with the various preventive
measures.
To bring about greater transparency in procurement and
tendering processes in your Bank, a notice inviting tenders/
details of tenders awarded by the Bank and summary of tenders/
70
Bank of Baroda announced its Financial Results FY 2012-13

and Q4: FY13 for the year ended 31st March 2013
Composition of Funds Global

Particulars
(Rs crore)
End
March 2012
End
March 2013
Growth
(%)
Deposits
3,84,871.11
4,73,883.34
23.13
- Domestic
2,80,135.26
3,41,705.59
21.98
- Overseas
1,04,735.85
1,32,177.74
26.20
Borrowings
23,573.05
26,579.28
12.75

Global Advances (net)
Particulars
(Rs crore)
End
March 2012
End
March 2013
Growth
(%)
Advances
2,87,377.29
3,28,185.77
14.20
- Domestic
2,02,075.39
2,24,294.33
11.00
- Overseas
85,301.90
1,03,891.44
21.79
Wholesale & Mid Corporate Banking

Your Banks Wholesale Banking and Mid Corporate Division
offers an array of loan products and services such as Term
Loans, Short-Term Loans, Demand Loans, Working Capital
Facilities, Trade Finance Products, Bridge Loans, Syndicated
Loans, Infrastructure Loans, Foreign Currency Loans, Loan
Against Future Rent Receivables and many more to its large
and mid corporate clients depending upon their needs. The
product offerings are flexible and suitably structured taking into
account the customers risk profile and specific needs.
Over the years, your Bank has made significant progress
in establishing healthy business relations with several
multinationals, domestic business houses and prime public
sector companies.
Your Banks corporate customers are segmented as large and
mid corporate. Those with sales turnover above Rs 500 crore
are classified as large corporates and those having annual
sales turnover of between Rs 150 crore to Rs 500 crore are
classified as mid-corporates.
The prospect of any banking industry is closely interlinked with
the growth of the economy to which it belongs. Unfortunately,
Indian economy has recorded the decades lowest economic
growth in FY13. The twin deficits viz. fiscal & current account
deficits, high inflation & interest rates, volatile exchange rate,
low private investment in new projects, etc., have thwarted the
growth story of the country.
However, even during this phase, your Bank identified
sectors for credit expansion and created 94 new relationships
through its Fast Track Desk. The Wholesale & Mid Corporate
departments have sanctioned fresh/increased credit facilities to
the tune of Rs 53,565 crore during the year to various sectors
/industries with projects /units spread across the country. It
also took a view for further exposure to sensitive sectors like
Domestic Commercial Real Estate, Power, Roads, Telecom,
Iron & Steel etc.
2012-13
Your Banks aim is to harness Large Corporate business

through CFS branches and Mid Corporate business through
Mid Corporate Branches thereby maximizing earnings from
both the On and Off balance sheet business.
Your Banks Wholesale Banking Department also has a fullfledged Project Finance Division (PFD). This PFD is well
equipped with professionals from various disciplines who
undertake the TEV (i.e. Technical Evaluation & Viability)
studies for your Banks clients.
The Department is also equipped with a Syndication Desk to
syndicate domestic funding requirement of the clients. The
Department earns decent fee-based income by carrying out
TEV studies, vetting of projects, syndication deals, etc.
Your Banks Wholesale Banking Department also houses the
Domestic Foreign Business Division (DFB). The DFB drives
its business through all Authorized Branches including its MIS
and reporting/managing ExportImport business.
Your Bank has placed thrust on proper due diligence and
screening to raise the bar on the quality of appraisal to
maintain asset quality.
A necessary precondition to achieve the above is rightly skilled
employees or the agile, able and skilled manpower. Keeping
this in view, your Bank continued its thrust on regular grooming
of Credit and Forex Officers and provides specialized training
within the Bank as well as in collaboration with renowned
institutions outside. Your Bank also continued to recruit
specialized officers and lateral recruitment of professionals
like CA/ICWA/CS/MBA as well as the experienced banking
professionals.
It may be noted that your Bank has adopted a Committee
Approach for Credit Approval Process for fast dispensation
of credit proposals. These committees meet as frequently as
possible to reduce the Turn Around Time (TAT).
Retail Business
Retail banking services continued to remain an important
business division for your Bank in FY13. Your Bank is focused
on meeting the financial needs of personal and small business
customers (traders) who are looking for accessible and
affordable banking services.
The performance of your Banks Retail banking division during
the year under review is as under.
Growth under Retail Lending
Total domestic non-food gross advances of your Bank

increased from Rs 2,01,822.71 crore as on 31.03.2012 to Rs
2,23,990.20 crore as on 31.03.2013. Approximately, 37.5% of
the Banks total gross domestic credit belonged to wholesale
credit during FY13.
Your Banks Retail Loan Book consists of five key products viz.
Home Loan, Auto Loan, Education Loan, Traders Loan and
Mortgage Loan, which constituted 80.4% of the total Retail
Loans at end-Mar, 2013. The other products namely LABOD/
ODBOD constituted 16.7% of the Banks total Retail loans.
Your Bank set up a new business vertical, i.e., Mid Corporate

Segment in FY13. The objective was to create a specialisation
to accelerate the credit to Mid Corporate borrowers and
substantially increase the number of mid corporate clients
through dedicated branches. In order to have a focused
business approach for catering to the valued Mid Corporate
business segment, initially 16 Mid Corporate branches were
opened across the country.
Besides, the products like Baroda Personal Loan and other

miscellaneous product viz. Doctors Loan, Loan against
government securities, etc., constituted 2.9% of Retail Loans.
Total Retail Loans stood at Rs 38,046 crore as on 31.03.2013
as against the level of Rs 35,668 crore as on 31.03.2012. A
growth of Rs 2,379 crore (6.7%) was registered during FY13
reflecting a slowdown in retail demand on account of economic
slowdown and high fuel prices.
71
2012-13
Growth under Five Key Retail Products
Under five key loan products which constituted 80.4% of total

Retail Loans, an absolute growth of Rs 4,412 crore (16.9%)
was posted during FY13.

Under home Loans, an absolute growth of Rs 1,911 crore

(13.5%) was registered during FY13.
Under Auto Loans, an absolute growth of Rs 512 crore

(21.1%) was registered during FY13.
Under Baroda Traders Loans, an absolute growth of Rs

1,620 crore (29.1%) was registered during FY13.
Under Baroda Mortgage Loans, an absolute growth of Rs

284 crore (13.0%) was registered during FY13.
Under Education Loans, an absolute growth of Rs 86

crore (4.6%) was registered during FY13..
nPAs under the Retail Loans

The amount of non Performing Assets as on 31.03.2013
under your Banks Retail Loans Business stood at Rs 669.08
crore (1.76%) as against the level of Rs 681.67 crore (1.99 %)
as on 31.12.2012 and the level of Rs 653.47 crore (1.92%) as
on 30.09.2012. The amount of non Performing Assets as on
31.03.2012 under Retail Loan was Rs 682.37 crore (1.91%).
Number of cheque leaves allowed free in a year

is increased to 50 from the existing ten.
NIL Charges for non operation/ activation of

inoperative /dormant accounts from charges
applicable earlier.
Availability of standing instruction, ECS and

Internet Banking, which were not available earlier.
Your Bank effected several modifications in key

parameters of home Loan, Educational Loan and
Baroda Traders Loan schemes to make the offerings
under these loans more attractive to your Banks retail
customers.
Retail Loan Campaign- Retail Loan Festive

Dhamaka (ii): Going by the success of the above
mentioned campaigns, a new campaign, Retail Loan
Festive Dhamaka (II) focusing on the Home and Car
Loans was launched from 1st January 2013 to 31st
January 2013, and further extended up to 31st March
2013. Aggregate amounts of sanctions until 31st
March 2013 after the launch of this Campaign were
Rs 1,811.04 crore in 16,750- accounts.
Baroda Maha Utsava Deposit Scheme: Term Deposit

Product styled as Baroda Maha Utsava Deposit
Scheme for 1111 days was introduced on 13th August
2012 offering an interest rate of 9.15% replacing earlier
scheme Baroda Utsav Deposit Scheme of 444 days
with interest rate of 9.35%.
Savings Bank Deposit Campaign (i): For mobilizing

low cost deposits, a Savings Bank Deposit Campaign
was launched on 1st July 2012 for a period of three
months. An amount of Rs 2,301 crore (retained
amount) as fresh Savings Bank Deposit was mobilized
in 16, 06,508 accounts during the campaign period.
1. new Products Launched

A Retail Asset product styled as Baroda Education Loan
for Vocational Education & Training Courses was
introduced on 1st July 2012 during this year.
2. Product Modification
72
Retail Loan Campaign- Retail Loan Festive

Dhamaka (i): Going by the success of Retail Mansoon
Dhamaka Campaign, a new campaign - Retail Loan
Festive Dhamaka with a focus on Home Loans and
Car Loans was launched between 1st October 2012
and 30th November 2012. This was further extended
up to 31st December 2012, going by the response.
Aggregate amount of sanctions until 31st December
2012 after the launch of this campaign stood at Rs
1,617.58 crore in 18,102 accounts.
initiatives in Retail Banking during FY13
During FY13, your Bank modified Baroda Additional

Assured Advance (AAA) Scheme, a Top-Up Home
Loan Product, by increasing the maximum limit to Rs
25 lakh and reducing the interest rate to Base Rate
plus 1.50%.
Number of Withdrawals allowed in a month

increased to four from three.
Sale of Gold Coins
Retail Loan Campaign- Retail Mansoon Dhamaka:

For augmenting your Banks Retail Loan portfolio,
a Retail Loan Campaign, Mansoon Dhamaka was
launched during the period 14th May, 2012 to 30th
September, 2012. During the campaign period, a fresh
business of Rs 2,088.21 crore in 24,323 accounts was
mobilized.
Under Total Retail Deposits, i.e., Retail Term Deposit plus

Savings Deposit, an absolute growth of Rs 26,097 crore
(13.51%) was posted during the year under consideration.
Baroda Double Dhamaka Deposit Scheme or a Term

Deposit Product styled as Baroda Double Dhamaka
was introduced on 25th February 2013 offering an interest
rate of 9.34% for a period of seven years, six months and
five days.
Minimum initial deposit amount was reduced to

NIL from Rs 50.
Savings Deposit of your Bank stood at Rs 81,995 crore as

on 31.03.2013 reflecting a growth of Rs 9,425 crore (12.98%)
on y-o-y basis.
Around 77,459 Gold Coins of different denominations

aggregating 696.076 kgs were sold during the year FY13.
3. Other Business initiatives
Growth under Retail Deposits
Retail Term Deposit of your Bank were at Rs 1,37,215 crore

as on 31.03.2013 indicating an annual growth of Rs 16,672
crore (13.83%).
Baroda nagarik Bachat Khata was modified as

Baroda Small Savings Bank Deposit Scheme and
followings features were added to make it more
acceptable and attractive.

Savings Bank Deposit Campaign (ii): To further

mobilise low cost deposits, a second Campaign was
launched on 1st January 2013 again for a period of
three months. An amount of Rs 2,700 crore (retained
amount) as fresh Savings Bank Deposit was mobilized
in 13,89,750 accounts opened during this particular
Campaign period.
2012-13
to contribute significantly to your Banks endeavor at CASA

mobilization.
To improve its service standards further, your Bank has
introduced a premium Collection module for IndiaFirst Life
Insurance policy holders. Moreover, your Banks Non-Life
Insurance products provide a cover to the assets financed by
your Bank. This augments your Banks fee based income and
also offers borrowal units the option to mitigate risks under the
umbrella of its Wealth Management services.
The year FY14 would see the Bank move to the next stage
in qualitative Wealth Management Services. These include
insurance renewal premium collection through ATMs and
fund collection module for Baroda Pioneer. This will help your
Banks branches to extend services to its investor customers.
Your Banks tie up partner for Non-life Insurance business will
also take a further step by enabling issuance and renewal
of policy through the CBS platform and through the Banks
i-banking portal.
MSME Business
A special Evening with CMD was organized in Mumbai to
celebrate the success of Savings Bank campaign.
Opening of new Retail Loan factories: Three new

Retail Loan factories were opened during the year
under review at Sodepur, Mehsana and Rajkot to
stimulate the retail loan business.
Wealth Management Services

As a part of its customer centric measures, your Bank has
been providing Wealth Management Services (WMS) for its
HNI & affluent customers since June 2004. At present, under
its WMS, your Bank provides various third-party products in
Life Insurance, Non Life Insurance including Health Insurance,
Mutual Funds & Equity Trading under tie-up arrangements with
different partners.
The importance of micro, small & medium enterprise sector

(MSME) in the developmental context of any country is well
known.
According to the Dun & Bradstreet research (2012), the MSME
sector in India is highly heterogeneous in terms of the size of
the enterprises, variety of products and services, and levels of
technology. The sector not only plays a critical role in providing
employment opportunities at comparatively lower capital cost
than large industries but also helps in industrialisation of
rural and backward areas, reducing regional imbalances and
assuring more equitable distribution of national income and
wealth. MSMEs complement large industries as ancillary units
and contribute enormously to the socioeconomic development
of the country.
With a purpose to strengthen the Wealth Management

segment, your Bank had formed two joint ventures with leading
international brands in Mutual Funds and Life Insurance. The
products of these two J.V. Companies are distributed through
your Banks wide network of branches across India. The sales
have started showing encouraging growth since the inception
of these joint venture companies.
Besides distributing the products of its J.V. Companies, your
Bank has other tie-ups with National Insurance Company Ltd.
for General Insurance and seven leading Asset Management
Companies for Mutual Fund products. Your Bank also has a tie
up with India Infoline Ltd for e-trading since Jan 2007 and has
its own equity trading platform through BOB Capital Market Ltd.
which was launched for retail customers. Your Bank has taken
several customer friendly & investor convenience measures
by enabling all its branches to accept ASBA applications for
IPO/FPO and Rights Issue subscriptions. Furthermore, it has
launched an online ASBA application submission facility for its
net-banking customers with transaction rights to apply in IPO/
FPO/Rights issue from the comfort of their home/office. Your
Bank has enabled 12 centers for accepting Syndicate ASBA
applications. These customer centric measures are expected
Bank of Baroda entered into MOU with M/s Piaggio Vehicles

Private Limited.
Taking into account the importance of this sector, your Bank

also considers units in manufacturing/services sectors that have
investment in Plant and Machinery/Equipment respectively, in
excess of regulatory guidelines and have turnover up to Rs
150 crore, on the same footing as MSME units. This is done
to give a preferred attention to this expanded sector on the
73
2012-13
lines of regulatory MSME enterprises. For regulatory reporting,

however, your Bank strictly follows the regulatory definition
and guidelines.
Performance of your Bank under the regulatory category of
MSME was extremely strong during FY13 despite challenging
economic environment. In fact, to give a boost to this business,
the interest rates applicable to these units were further
rationalized by your Bank during the year under review to suit
the specific requirements of MSME units.
It may be noted that your Bank successfully achieved all targets
under this business fixed at the beginning of the year.
4.
Your Bank organized an Awareness Programme in order

to achieve total customer relationship through enhanced
cross selling, locational meetings, and involvement of trade
bodies at national and state levels.
5.
Your Bank introduced the system of monthly performance

ranking to share performance of SME Loan Factories
amongst all and to recognize/felicitate/award best
performing SME Loan Factory on half yearly/ annual basis
as a proactive skill building and encouraging measure.
6.
For the purpose of continuous knowledge updating and

skill building of processing/ marketing officers attached to
the SME factories, your Bank organized external training/
special courses at Training Centers and its own Staff
College.
7.
Your Bank has a plan to introduce a new product viz.

Standby Term Loan and Working Capital Limit to
SMEs with attractive value propositions.
8.
Your Bank also introduced a online loan application for

MSME borrowers with tracking of the proposal.
9.
Your Bank renewed a number of area specific schemes

pertaining to a variety of sectors/industries across India
during FY13.
Growth of Business
The total outstanding in MSME Sector works out to Rs 44,974
crore as on 31st March 2013. The growth in MSME advances
during the last three years is given in the table below.
Year
Growth (%, YoY)
2010-11
29.63%
2011-12
26.11%
2012-13
30.31%
Major Achievements in FY13

The SME advances of Rs 44,974 crore as of end-Mar

2013 reflected a growth of Rs 10,462 crore (30.31%)
on a y-o-y basis.
The advances of Rs 17,409 crore to Micro Enterprises
in the total credit of Rs 28,047 crore to MSE sector
(as of the previous year) stood at 62.1% in FY13
comfortably surpassing the mandatory target of 60.0%
fixed by the RBI.
The SME advances as on 31st Mar, 2013 contributed
19.7% to the Gross Domestic Credit of your Bank.
The advances to Micro & Small enterprises reached
the level of Rs 38,227 crore as against the government
set mandatory target of Rs 33,650 crore by end-Mar,
2013.
Going by the success of the loan factory model, your
Bank opened six New SME Loan Factories during
FY13.
Your Bank introduced a New Product named as
MSME Capex Loan and Capex Card during FY13
to further promote its MSME business.
initiatives in MSME Financing During FY13

1.
2.
3.
Your Bank opened five new SME Loan Factories at

Indraprastha (New Delhi), Anand, Bhopal, Junagarh,
and Jalandhar taking the total of SME loan factories to
52 across India. The loan-factory model is a pioneering
concept introduced by your Bank to ensure better quality
of credit appraisal, reduced turn-around time and improved
volumes thereby enabling your Bank to increase its
MSME lending without sacrificing the quality of credit.
Your Bank has already planned the SME Loan Factories,
Specialized SME Branches and MSME cells at various
branches for the fiscal year FY14.
Your Bank actively participated in various exhibitions and
seminars during FY13 to build brand image of the Bank
in MSME financing.
74
10. Your Bank also celebrated the MSME Festival during JanMar 2013 to encourage staff at the SME Loan Factories
and branches to re-double efforts at canvassing new
business.
11. Your Bank organized an SME borrowers meet at Aligarh &
Raipur jointly with Dun & Bradstreet for imparting relevant
knowledge about Rating, Financial terms & balance sheet
ratios etc.
The area-specific-schemes developed for certain pockets
involving a cluster of units engaged in similar activities with
good business potential yielded satisfactory results during
the year under review. The cluster Development was also
undertaken with lead district branches. Directed programmes of
the Government of India, particularly the Weavers Credit Card
and lending under Prime Ministers Employment Generation
Programme (PMEGP) received focused attention during FY13.
In recognition of your Banks performance in the MSME lending
in the Western part of India, your Bank received an Award at
the august hands of His Excellency, the President of India for
the year FY13 in New Delhi recently.
Rural and Agricultural Lending

Your Bank has always been a frontrunner in the area of Priority
Sector, in general, and Agriculture lending, in particular. It has
been harnessing the vast potential of the rural market through
its wide network of 1,436 rural branches and 1,162 semi-urban
branches.
Even during FY13, your Bank opened 291 new branches in
rural and semi-urban areas.
Your Bank is the proud Convener of State Level Bankers
Committee (SLBC) in the states of Uttar Pradesh and Rajasthan.
Your Bank shoulders the Lead Bank Responsibility in 45 districts
in the states of Gujarat (12), Rajasthan (12), Uttar Pradesh (15),

Uttaranchal (2), Madhya Pradesh (2) and Bihar (2).
To augment Agriculture advances, your Bank conducted

Special Campaigns viz. Kharif and Rabi campaigns for
crop loans under which the disbursements of Rs 5,284
crore and Rs 2,262 crore, respectively, were made. Another
campaign for Investment Credit was also launched under
which disbursements of Rs 1,096 crore were made.
Your Bank organized 4,245 Village Level Credit Camps

and disbursed Rs 2,922.48 crore to 2,06,375 borrowers
during FY13.
Your Bank identified 450 Thrust Branches across India

to enhance Agriculture lending which contributed 36.0%
of total Agriculture outstanding as at end-March 2013.
Your Bank formulated various Area-specific Schemes

tailor-made to the needs of local requirements, particularly
where there is a concentration of activities like Cold
storages, Poultry units, fishery etc. Suitable concessions
in the rates of interest, charges, etc. were allowed under
these schemes to garner maximum possible business.
Your Bank launched automated loan processing system

for improving the efficiency of branches in processing of
loan proposals under Agriculture thereby facilitating timely
availability of credit to farmers in adequate quantity.
Your Bank has also sponsored three Regional Rural Banks

(RRBs) in three states with a network of 1,526 branches and
total business of Rs 29,282.38 crore as of end-March, 2013.
Performance of Priority Sector Lending in FY13

Priority Sector Advances of your Bank surged from Rs
68,527 crore as at the end-March 2012 to Rs 80,004 crore as
at the end-March 2013 and formed 39.31% of the Adjusted Net
Bank Credit (ANBC) against the mandated target of 40.00%.
A shortfall in achieving the target is primarily due to some
changes/modifications in the regulatory definitions pertaining
to priority sectors.
2012-13
Bank of Baroda organized a special workshop at Jaipur on

revised Priority Sector Classification Guidelines issued by
Reserve Bank of India.
Agriculture Advances: The Direct Agriculture Advances of

your Bank rose to Rs 22,645 crore with a rise of 10.9% over
the previous year with an absolute growth of Rs 2,220 crore.
The total agriculture advances of your Bank recorded a flat
growth of 0.02% (y-o-y) and reached the level of Rs 28,739
crore as at end-March 2013. As stated earlier, this is due to the
impact of revised guidelines of Priority Sector Lending issued
by the RBI and made applicable w.e.f.20.07.2012. Your Banks
Direct Agricultural advances formed 11.13 % of ANBC as at
end-March 2013 against the mandated target of 13.50%. The
Total Agricultural Advances were at 14.12% of ANBC against
the mandated target of 18.00%.
Under its flagship agriculture loan product Baroda Kisan
Credit Card, your Bank issued as many as 2,74,665 Credit
Cards during FY13 to provide credit to farmers. Your Bank
has also launched Baroda Kisan RuPay Card, a ATM enabled
Kisan Card, during the year, for the convenience of the farming
community. Your Bank financed as many as 3,32,141 new
farmers during FY13. As a part of its microfinance initiatives,
your Bank credit linked 10,912 Self Help Groups with an
amount of Rs 198.45 crore during FY13 thereby taking the
total number of SHGs credit linked to 1,65,328 amounting to
Rs 1,369.97 crore.
Business and Social initiatives

Your Bank introduced various initiatives/strategies during FY13
to harness the emerging opportunities for rural and agriculture
lending. Some of them are mentioned below.
Visit of The Standing Committee of Parliament on Rural

Development to Udaipur
Baroda Grameen Paramarsh Kendra (BGPK): This

is another initiative undertaken by your Bank to help the rural
community by providing credit counseling, financial literacy
and other services like information on the prices of agricultural
products, scientific farming, etc. Your Bank had 52 BGPKs as
on 31st March, 2013.
Also, one more Baroda Swarojgar Vikas Sansthan
(BSVS),Baroda R-SETI Center was opened during FY13.
With this, the total number of BSVS went up to 47. Thus, each
of your Banks Lead Districts now has a R-SETI as per the
Indian governments guidelines. A BSVS centre at Ajmer is
exclusively for women entrepreneurs. The BSVSs are primarily
the institutes for training the youth and imparting knowledge and
skills required for taking up self-employment ventures. During
FY13, around 42,601 youth beneficiaries were trained out of
which 27,891 have established self-employment ventures. Out
of the total 1,64,899 beneficiaries trained by these centers so
far, 1,02,996 have established their self employment ventures.
75
2012-13
Financial Literacy & Credit Counseling Centres

(FLCC)-SARAThEE: Based on the guidelines issued
by the RBI, your Bank has established 45 FLCCs, christened
as SARATHEE to impart financial literacy and credit
counseling services to the needy people to help them avail
financial services from the banking system and also to provide
counseling services to those who are under financial distress
due to a debt burden.
Your Bank has opened these centers under its BSVS trust and
services are provided by these centers to all the concerned free
of cost. Your Bank opened six new FLCCs during FY13, taking
the total number of FLCCs to 45 by end-Mar, 2013. Thus, each
of the Banks Lead Districts now has a FLCC centre.
Business Facilitators Model: This model has been

implemented across the country to accelerate Financial
Inclusion of the excluded segment as well as to augment
agriculture portfolio. Business Facilitators will mainly canvass
loan applications for your Bank for which Bank will pay
them compensation. Individuals including retired bank and
government employees, NGOs, farmers clubs and SHGs are
engaged as agents to greatly improve your Banks outreach in
the rural/semi-urban areas.
Two of the other banks RRBs were also merged with your Baroda
Rajasthan RRB during the year under review. Consequent upon
the merger, the aggregate business of these three RRBs rose to
Rs. 29,284.23 crore as of end-March, 2013 from Rs 26,257.43
crore as at end-March, 2012, registering a growth of 11.53%.
The three RRBs together posted a Net Profit of Rs 97.06 crore
during FY13 as against Rs 148.22 crore earned during FY12.
The Net Worth and the Reserves and Surplus of all these
RRBs put together improved from Rs 1,018.44 crore at endMarch, 2012 to Rs 1,234.42 crore at end-March, 2013 and
from Rs 726.55 crore at end-March, 2012 to Rs 777.52 crore
at end-March, 2013, respectively.
Banks Committed Efforts towards Financial

inclusion (Fi)
Financial Inclusion (FI) is being viewed in your Bank not just
as a social commitment, but also as an instrument to bring
about overall economic development of rural India so as to tap
opportunities at the bottom of the pyramid of Indian economy
through sustainable ICT based delivery channels.
Your Banks Financial Inclusion Plan aims at providing banking
services at affordable cost to those segments of society who
are deprived of it, thereby bringing the unbanked population/
areas into the formal financial sector.
Micro Loan Factory: Your Bank has opened Micro Loan

Factories at Raebareli and Sultanpur in U.P. The Micro Finance
Loan Factory has a mobile van with facilities and all related
stationeries/documents necessary for SHG financing. It is
manned by officers who are duly authorised to sanction and
disburse loans up to Rs 25,000 to SHGs on the spot and at
their door steps.
Performance of RRBs Sponsored by the Bank
Consequent upon the mergers of two of its RRBs during the
year, the number of your Banks sponsored RRBs came down
to three.
Baroda Uttar Pradesh Gramin Bank, Head Office:

Raebareli.
Baroda Rajasthan Khetriya Gramin Bank, Head Office:

Ajmer.
Baroda Gujarat Gramin Bank, Head Office: Bharuch.
Simultaneous inauguration of 300 new bank branches in Uttar

Pradesh by Shri P. Chidambaram, Honble Union Minister of
Finance in the presence of Shri Akhilesh Yadav, Honble Chief
Minister of Uttar Pradesh, Ministers and Senior Officials from
Ministry of Finance, State Administration, Chairman & Managing
Directors and other Senior Officials of various Banks.
Strategies & Models Adopted
Shri S S Mundra Chairman & Managing Director, Bank of Baroda

addressing the Branch Managers of the Baroda Gujarat Gramin Bank
(BGGB) and launching Rupay Debit Card for RRB customers at Baroda.
76
The Ministry of Finance has identified around 6 lakh villages

across India as an unbanked area. These villages are allocated
to various banks under the service area approach. Your Bank
had 21,526 villages under its service area as on 31/03/2013.
The Ministry of Finance and Reserve Bank of India has advised
banks to provide banking services at affordable costs to these
villages. Accordingly your Bank has approved a plan, which is
disaggregated further to a village level to cover these 21,526
service area villages by providing banking services to them in
three years time i.e. 2013-2016.
The following three business models are adopted by your Bank
for financial inclusion

1.
ICT Based Business Correspondent Model
2.
Mobile Van Model
3.
Brick & mortar branches in FI villages.
2012-13
Your Bank has covered 4,959 villages through the network of

1,436 brick and mortar rural branches, 3,474 villages through
the BC model and 49 villages through the mobile van.
During FY13, your Bank opened 151 brick and mortar branches
in un-banked villages.
ICT Based Business Correspondent Model

In order to ensure that Financial Inclusion is implemented
in a most efficient manner and is fully integrated with
CBS, your Bank has appointed two Service Providers for
a complete end to end solution, i.e., from enrolment of
villagers to issuance of smart cards to them. The purpose
is to bring technology-based banking transactions to the
doorsteps of all villages.
The ICT based Business Correspondent Model is based on
Application Service Provider (ASP) model with Biometric
Smart Card based technology. Under this approach,
Business Correspondents visit villages with Point of Service
(POS) devices for carrying out customer enrolments
and transaction processing. These POS devices are
directly connected with the CBS of the Bank using GPRS
technology.
Mobile Van Model

The second business model adopted for implementation of
financial inclusion is Mobile Van model. Under this model,
Mobile Vans move within a cluster of villages in service
area of the existing branch. The vans with the staff visit the
identified villages during fixed days in a week for providing
banking services.
These mobile vans are equipped with the computer
hardware and connected directly to the CBS of the Bank
to enable the customers to operate their accounts through
mobile vans instantly. The account opening process and
other activities including transactions in accounts are
carried out in Mobile vans, as is done in normal branches.
Your Bank has presently deployed five mobile vans in
Gujarat, Uttar Pradesh, Bihar and Goa states covering 49
FI villages allotted to it. There is good response from the
FI customers for your Banks mobile vans. These vans
exterior is designed with a view to educate the rural masses
about the Banks various deposit/loan schemes.
Bank of Baroda organized a Mega Credit Camp and launching

of 1001 Ultra Small Branches at Varanasi.
This initiative of your Bank has facilitated improvement in

financial literacy and confidence building at the village level,
which should eventually improve the responses for your Banks
financial inclusion drive.
Financial Literacy: A Key to successful inclusion

The desired objective of Financial Inclusion can be achieved
only when the Bank is able to generate equal response from
the villages. In order to invoke a response from the villagers,
the Bank needs to educate them on various banking facilities
and its benefits to them. In other words, financial literacy would
be the key for success of financial inclusion initiatives of any
bank. Therefore, all constituents of FI need to develop a bond
with each other not only to provide banking facilities but also
to create massive awareness of banking and banking products
amongst the population through Financial Literacy, wherever a
bank is implementing Financial Inclusion program.
Your Bank has taken the following major initiatives towards
financial literacy in rural parts of the country.
1.
Around 47 Baroda Swarojgar Vikas Sansthan (Baroda

RSETI) impart vocational training to unemployed youth
in rural and semi-urban areas with the aim of equipping
them to become self employed and have conducted 5,505
training programmes and trained 1,64,742 youth of which
1,02,477 are self employed, with a settlement ratio of 62.20
% as on March 2013.
2.
Around 45 Financial Literacy & Credit Counseling Centres

(FLCCs) SAARTHEE are operational across the country.
Since the inception of these FLCCs, total 46,860 individuals
visited these centres and in 33,050 cases, the issues were
resolved by end-Mar, 2013.
3.
Around 52 Baroda Grameen Paramarsh Kendras facilitate

financial education, credit counseling, information sharing
and problem solving on technical issues, synergy & liaison
with other organizations for value added services and
development activities in rural areas.
4.
Mobile Micro Finance Loan Factory has been established

with a vision to provide credit and banking facilities to SHGs
at their doorsteps under the SHG Bank linkage program,
ensuring a hassle free and prompt credit delivery within
Ultra Small Branches (USBs)

As per the guidelines of Ministry of Finance, Government of
India, your Bank has opened 2,695 Ultra Small Branches
by 31st Mar, 2013 across the country in villages having
population above 2,000 which are covered through the
Business Correspondent Model. Your Banks officers from the
link branches are visiting these USBs on a pre-fixed date and
time. They would clear all the applications for account opening,
loan requests, resolving grievances, arranging meetings with
villagers on financial literacy, etc. besides advising villagers on
various banking products.
77
2012-13
maximum of four days & hassle free credit to the SHGs.

5.
6.
7.
BYST-BoB Entrepreneurship Development Programme

(BYST) provides end-to-end support to disadvantaged
young dynamic micro-entrepreneurs in the form of loans,
business mentors, training, and networking & marketing.
Tie up with Centre for Micro Finance (CmF), Jaipur to
provide support in formation of Quality SHGs, facilitating
credit linkages and training of branch staff thus helps in
development of villages in the service area of the Banks
branches and improving the micro finance and agriculture
lending.
Your Bank has also instituted a Professor Chair at the
Institute of Development Studies (IDS), Jaipur one of
the premier Research & Policy Advisory institutions with
a view to examine space available to rural credit, rural
development and agriculture development and also to
study challenges and measures to overcome them. The
objective is to conduct various studies on the above lines
and learn from the feedback.
Product innovation in Financial inclusion

Your Bank has also been using financial inclusion as an
opportunity to strengthen its function of Corporate Social
Responsibility (CSR). Your Bank is taking various steps to
increase banking awareness amongst the rural people, educate
them on its products, rural credit, agriculture technical knowhow, credit counseling, knowledge sharing/problem solving,
up-lifting the women and the girl children, formation of farmers
clubs & formation of SHGs, etc.
The project, with the help of imparting basic training and
guidance, brought out the potential of the unemployed youth by
encouraging them to start their own business in rural areas. With
the introduction of new technologies, now customers are getting
banking services instantly through business correspondents
appointed in their villages.
Your Bank has introduced several customer-oriented products
specifically designed for FI customers. Some of them are as
follows.
Basic Savings Bank Deposit Account with in-Built

OD Facility
The product is specially devised for individuals from Financial
Inclusion villages with relaxed KYC norms as per the RBI
guidelines. The account can be opened without depositing
amount which doesnt attract any penalty and will be opened/
operated through business correspondent, branch and ATM.
Flexible RD Account (Yashasvi Jama Yojana)

This is a money back RD facility duly designed for financial
inclusion account holders to provide liquidity. The product
offers money back facility, at the end of six months, an amount
equivalent to 50.0% of the outstanding credit balance in the
account can be paid back as per the requirement of depositor.
credit, investment credit, personal loan needs as well as

consumption needs. It is flexible in utilization of the limit as he
can utilize the limits as per his requirements during the year.
Baroda General Credit Card (BGCC)

The BGCC is implemented through all the rural and semiurban branches of the Bank to cater to the different needs of
the villagers.
insurance Product with Low Premium

Your Bank has also introduced a life insurance product with
low premium for financial inclusion customers in coordination
with India-first Life Insurance Company. This gives flexibility to
customers to obtain cover from Rs. 5,000/- to Rs. 50,000/- at
single premium of Rs. 20.99 per thousand for the period of
five years.
Direct Benefit Transfer

The Government of India has decided to roll out Direct Benefit
Scheme (DBT). The purpose of Direct Benefit Transfer is
to ensure that beneficiaries directly receive the government
benefits to their accounts electronically, cutting down delays
and pilferages if any in existing distribution system. A lot of
preparatory work has been done and a lot of work is ongoing in
connection with the rollout of DBT. The government will transfer
cash benefits like subsidies, scholarships, pensions, NREGA
wages, LPG subsidy, etc. directly to the bank accounts of the
identified beneficiaries under this programme. A shift to this
method of transferring government benefits would be done in a
phased and time bound manner. Around 43 districts in 16 states
have been identified for the first phase of DBT under 26 selected
schemes w.e.f 01/01/2013. It should be rolled out in another 78
districts w.e.f. 01/07/2013. It is intended that the DBT scheme
would be rolled out in all districts across India by 31/03/2013.
The implementation of DBT scheme is done from the lead
bank platform. Your Bank has the lead bank responsibility in 45
districts. Besides this, your Bank has to monitor the effective
implementation of the DBT scheme.
Aadhaar Payment Bridge System (APBS)

APBS is the new payment service offered by National Payment
Corporation of India (NPCI) using the Aadhaar Number issued
by Unique Identification Authority of India. The government
benefits are transferred to the accounts of the beneficiaries
on the basis of Aadhaar number so that the bank details and
account numbers of the beneficiaries need not be maintained
by the government departments/agencies. APBS is now
operational in your Bank.
Aadhaar Enabled Payment System (AEPS)

AEPS is a bank led model which allows online interoperable
financial transactions by PoS (Micro ATM) through the Business
correspondent of any bank using the Aadhaar authentication.
Baroda Kisan Credit Card (BKCC)
The four Aadhaar enabled basic types of banking transactions

are as follows.
This product is for farmers to cover their needs like production
1. Balance Enquiry
3. Cash Withdrawal
2. Cash Deposit
4. Aadhaar to Aadhaar Funds Transfer
78

AEPS is in a testing phase in your Bank and will be operational
by mid of May 2013.
highlights of the Banks Performance in Fi up to

31/03/2013
Your Bank has so far covered 4,959 villages out of 21,526

villages under its service area. Almost 90% of the villages
are on the active transaction mode.
Your Bank has opened 49.60 lakh No-Frill Basic Saving

Banks Accounts, out of which 8.69 lakh accounts were
opened through the Business Correspondent Agents
(BCAs).
The average balance outstanding in the No-Frill accounts

of your Bank is around Rs. 1,200 crore.
Your Bank has opened 2,695 Ultra Small Branches in

villages with population above 2,000.
Your Bank has approved a disaggregation plan up to the

branch level to implement its FIP for 21,526 villages by
March 2016.
Your Bank has introduced Micro-Insurance product for FI

customers. Your Bank is the 1st Bank to do so.
Your Bank is operating five mobile vans in four states i.e.

Gujarat, Bihar, Goa and Uttar Pradesh and has plans to
deploy 100 more mobile vans.
Your Bank has entered into an agreement with CSC

e-governance Ltd. to enroll their CSCs in the Banks service
area as BCAs on KIOSK platform under FI.
Your Bank is fully prepared technologically for Aadhar based

payments, UIDAI Linkages, Village code updation etc.
2012-13
international arena in the year 1953, your Bank has been

consistently expanding its overseas network to tap the global
business opportunities.
Shri P. Chidambaram, Honble Union Minister of Finance, Govt.

of India inaugurating the 100th Overseas Office of Bank of
Baroda at DIFC.
international Business
During the year, the major advanced economies continued
to face sluggish growth, fiscal drag and severe austerity
measures and its spillover effect continued to impinge on the
other economies. Even during this difficult environment, the
International Operations of your Bank maintained the healthy
growth trend, by keeping a constant watch on the developments
and taking pre-emptive steps by suitably adjusting the business
model.
Your Bank kept a constant watch on the emerging opportunities
and there was greater synergy amongst the overseas centres
to derive the full benefit of the large network of branches.
Advances to SC/ST Communities during FY13

The outstanding advances granted by your Bank to SC/
ST communities have been growing year after year. This is
evident from the fact that the outstanding advances granted to
them went up from Rs 4,336.02 crore as at end-March, 2012
to Rs.4,712.66 crore as at end-March, 2013. In fact, the SC/
ST communities accounted for a share of 27.64% in the total
advances granted to weaker sections by your Bank during the
year under review. Furthermore, a special thrust is laid by your
Bank in financing SC/ST under various government sponsored
schemes namely Swaranjayanti Gram Swarojgar Yojana
(SGSY), Swarna Jayanti Shahari Rojgar Yojana (SJSRY), Prime
Minister Employment Generation Programme (PMEGP), etc.
The Baroda Swarojgar Vikas Sansthans (BSVS) have been
giving due preference to SC/ST communities while selecting
the trainees. It is heartening to indicate that so far, these centres
have trained 72,365 youths under the SC/ST category.
international Operations
It was a historic year in the International Operations of your
Bank with opening of 100th overseas office at DIFC, Dubai.
The branch was inaugurated by Shri P. Chidambaram, Union
Minister of Finance, Government of India. Since its foray into
Executive Directors of Bank of Baroda, Mr. P. Srinivas,

Mr. S. K. Jain and Mr. Ranjan Dhawan interacting with Honble
Barry Robert OFarrell, Premier of New South Wales and
Minister for Western Sydney during his visit to Mumbai.
Your Bank continued with its initiatives for customer convenience

through improvements/enhancements in its IT infrastructure,
modifications in products and services in line with the local
requirements, expanding the branch network and publicity through
print and electronic media. The year also saw your Bank entering
two new centres through branches in Sydney, Australia and DIFC,
Dubai. The Joint Venture Bank in Malaysia India International
Bank (Malaysia) Bhd. was also made operational during the year.
79
2012-13
Business & Profit Performance
international Presence
During FY13, the total business (Deposits + Advances) of your

Banks overseas branches registered a growth of 24.2%. While
its Customer Deposits increased by 24.3%, Total Deposits by
26.2 % and Advances by 21.8%.
During FY13, the International Operations contributed a
sizeable 29.4% to your Banks global business.
Your Banks international presence covered 24 countries

through its 100 branches/offices during FY13 are as under:
Banks Overseas Branches/ Offices
60
Banks Representative Offices
1
Branches of Banks Overseas Subsidiaries
39
TOTAL
100
The Bank also has the following Joint Ventures:
1. Indo Zambia Bank Ltd., Zambia having - 20
branches
2. India International Bank (Malaysia) Bhd., - 1
Malaysia
branch
Overseas Expansion
Business Review and Budget Meeting for Banks International

Operations in Mumbai
During FY13, your Bank opened 12 new branches/offices

(including those of the subsidiaries). This included opening of
the branches of the Bank at Sydney, Australia; DIFC, Dubai,
Sohar, Oman; Rose Belle, Mauritius and Electronic Banking
Service Unit (EBSU) at DMCC, Dubai.
The branches of the subsidiaries were opened at Wellington
and Manukau in New Zealand; Entebbe, Kabale and Industrial
Area, Kampala in Uganda; Tema in Ghana and Gaborone West
in Botswana
Total Assets
Total Assets of the Banks International Operations showed
a healthy growth of 30.1% on y-o-y basis, as they increased
from Rs 1,28,398 crore as of March 2012 to Rs 1,67,038 crore
as on March 2013.
Profit
Even during this challenging period of surplus liquidity in the
system and slowdown in the credit offtake, the Gross Profit for
the year FY13 registered a growth of 24.7% over the level of
previous year due to enhanced business level and improvement
in spreads. However, the Net Profit posted a negative growth
of 19.20% during the year on account of higher provisions.
The contribution of international operations to the Banks global
Gross Profit was 24.6%.
Asset Quality
The wide spread international presence of your Bank exposes
it to increased credit risk. Your Bank takes all steps for
realistically assessing the credit needs of any project during the
pre-disbursement stage and carefully monitors the appraisal
and other technical, economic, commercial, organizational and
financial aspects.
The global slowdown has impacted all sectors of the world
economy and this has put added pressure on the quality of
assets. In response to this, your Bank has further enhanced the
monitoring techniques to maintain the quality of assets. This
required timely identification of stressed accounts and taking
all possible steps for recoveries. Furthermore, an enhanced
monitoring of restructured accounts was effected so that these
do not slip to NPA categories.
However, the external environment did impact the quality of
assets and Gross NPAs as % to Total Advances increased from
0.68% as of Mar12 to 1.37% as on Mar13.
80
Opening of a new branch at Industrial Area, Kampala of its

subsidiary in Uganda Bank of Baroda (Uganda) Ltd.
In addition, the Joint Venture Bank in Malaysia India

International Bank (Malaysia) Bhd. also commenced operations
during the year.
Honble Union Minister of State for Finance, Shri Namo Narain Meena
lighting the lamp on inauguration of a JV Bank in Malaysia - India
International Bank (Malaysia) Berhad.

Future Plans
In order to further expand the branch network, your Bank has
identified upcoming centres in countries where it is already
present. This will further consolidate your Banks operations
and improve/protect the market share. Your Bank also has
plans to enter new countries offering opportunities for profitable
growth of business.
Necessary infrastructure is being created in your Bank for
further expanding the network in UAE, Uganda, Kenya, and
Botswana. Your Bank is awaiting approval of the RBI for opening
of two additional branches in the U.K.
The overseas expansion is being considered in line with the
various directives issued from Ministry of Finance, Government
of India regarding the overseas expansion of Public Sector
Banks of India.
Syndication Centres
Your Bank has Global Syndication Centre at London and
Regional Syndication Centres at Dubai and Singapore, which
focus on the business of Syndication Loans in International
Market. Your Bank has set up an International Merchant
Banking Cell (IMBC) at Corporate Office, Mumbai, which mainly
caters to the requirements of Indian corporates. Your Bank
is an active player in the Syndication Loan Market and also
participates in loan origination.
Products and Services

Your Bank is having a single Core Banking Solution at all its
overseas branches and subsidiaries. This facilitates introduction
of new products and services and also helps in carrying out
modification/improvement in line with the requirements of
customers in the country of operation.
The technology is being fully utilized by your Bank to have a
competitive edge by continuous improvement and innovation.
Due publicity is given through electronic and print media to the
target customers of your Bank.
Technology in Overseas Operations
The No. of ATMs at overseas Territories and subsidiaries

increased to 89 (54 on-site and 35 off-site) as on 31st
March, 2013 from 76 (45 onsite and 31 offsite) as on 31st
March, 2012. Further, three more ATMs are in the process
of being installed.
2012-13
Many of the territories/Subsidiaries are moving to Chip

based debit cards.
Transaction based internet banking branded as Baroda

Connect is implemented in 12 overseas territories/
subsidiaries viz UAE, United Kingdom, Oman, Mauritius,
Fiji, Seychelles, Australia, Kenya, Uganda, Botswana, New
Zealand and Ghana. Moreover, a view-based internet
banking is implemented in Tanzania.
Global Treasury Solution has been implemented at US,

UK, UAE, Bahamas, Bahrain, Hongkong, Singapore and
Belgium.
Implementation of Centralized SWIFT activity has been

completed and is operating from your Banks Data Centre.
Except US Territory, all Territories/Subsidiaries are routing
their Swift operations through SWIFT Cell, Data Centre.
Payment Messaging System is a middleware between

Core Banking Solution (Finacle) and SWIFT which help
in Straight through Processing of incoming and outgoing
SWIFT messages with Anti Money Laundering check. The
same has been implemented in all /Subsidiaries, except in
the US Territory.
The AML Erase (Batch mode) has been implemented in

21 Territories/Subsidiaries.
The Anti Money Laundering Online List Matching solution

has been implemented at 21 Territories/Subsidiaries,
except the US territory.
Risk Management in Overseas Operations

The Basel II guidelines were implemented at all the overseas
territories of your Bank with effect from 31st March, 2008 and
your Bank has adopted a Standardised Approach for Credit
Risk, Standardised Duration Method for Market Risk and Basic
Indicator Approach for Operational Risk.
Your Bank has set up a separate Risk Management Department
at overseas centres to deal with Credit, Market & Operational
Risk and has posted specialized Risk Managers to such
centres. This has resulted in strengthening of Risk Management
Systems and their implementation.
The BOB RAM Model for internal Credit Rating implemented at
overseas centres has further strengthened the credit monitoring
process by capturing vital information related to advances
accounts and their pricing.
The ASCROM Model for Asset Classification and Credit
Monitoring has been implemented at all the overseas territories
of your Bank.
Regulatory Compliance in Overseas Operations

Your Bank follows stringent of the home/host country regulatory
norms and always remains a regulation-compliant Bank. All
the regulatory guidelines/changes/issues are attended on top
priority basis.
Inauguration of the Electronic Banking Service Unit - Multi

Commodities Centre at Dubai
To handle the compliance issues, your Bank has posted

dedicated officers at overseas centres whose skills are
continuously enhanced through training and other avenues.
The compliance is seen not merely a regulatory requirement
81
2012-13
but also to protect the interest and reputation of the Bank and
other stakeholders.
All the overseas territories/subsidiaries have the Policies/
Manuals in varied areas of banking as per their respective
regulatory requirements. These are periodically reviewed to
ensure their conformity with the regulatory guidelines and
requirements.
Treasury Operations
Your Bank operates a State of the Art Dealing Room at Baroda
Sun Tower at its Corporate Office in Mumbai. Through this
dealing room, your Bank is well positioned to scale up its
Treasury Operations. The Treasury Division handles your
Banks domestic treasury operations and covers activities in
various markets i.e. Foreign Exchange, Interest Rates, Fixed
Income, Derivatives, Equity and other alternative asset classes.
The advanced technology platforms are used by your Bank to
offer a basket of financial products to its clients including interest
rate swaps, currency swaps, forwards and options.
Your Bank has also put in place a sophisticated Automated
Dealing system to offer the auto generated real time foreign
exchange rates to the clients of its authorised branches
spread across the country. As a customer friendly initiative,
during the year FY13, enhancements were made by replacing
the old servers with high end servers for BOB-Authorised
Dealing System facilitating improved and faster processing of
transactions cutting delays and breakdown in customer service.
Under the Business Process Re-engineering, your Bank has
successfully implemented Global Treasury solution across
major financial centers. The Global Treasury Platform is running
smoothly in nine centres, notably, Mumbai, London, Bahamas,
Brussels, Dubai, Bahrain, Singapore, Hong Kong and New York.
The tenth implementation of Treasury solution at DIFC Dubai,
an offshore Banking unit is on the cards.
During FY13, promotion of growth and control of stubborn
inflation were the key monetary policy challenges. The RBI
reduced the Repo and Reverse repo rates by 100 bps and
infused liquidity by cutting CRR by 75 bps during the last year.
The RBI also conducted Open Market Operations to the extent
of Rs 1,27,180 crore to infuse liquidity into the system. Higher
than announced borrowing programme and high inflation put
pressure on Gilt yields until November, 2012. This and the
pause by RBI in changing monetary policy rates resulted in the
10-year benchmark gilt to trade in the range of 8.05%-8.25%
during July to December, FY13. However, after the resumption
of Open Market Operations by the RBI in Dec, 2012 and easing
of policy rates in January 2013, the 10 year Gilt touched a low
of 7.80% while ending the year at 7.95%.
Against a backdrop of weak economic growth and corrective
steps & measures by the government to control fiscal deficit,
your Banks Treasury accumulated securities offering higher
yields and maintained a prudent duration for its fixed income
portfolio. This strategy was useful for the Bank to maintain
a good average yield on its Investments and also helped in
booking of profit on sale of Investments when the rate cutting
cycle resumed in the last quarter of the year. The average yield
on Domestic SLR investments was 7.76%. During FY13, the
Treasury earned Rs 7,450 crore as Interest/Discount earnings,
while the Profit on Sale of Investment and Exchange Earnings
were Rs 617 crore and Rs 803 crore, respectively.
82
Your Banks Treasury offers customized solutions using

available products viz Interest Rate Swaps (IRS), Currency
Swaps (CIRS), Forwards and Options to meet the Interest
rate and Foreign Exchange risk mitigation requirements of
the corporate clients. During the year, your Banks Treasury
actively participated in the arbitrage opportunities available
between various asset classes including Money Market CBLO,
Call, Market Repo, Government Securities and Forex markets.
The Treasury actively utilised the market movements and used
Overnight Indexed swaps for harnessing available hedging and
trading opportunities.
The sentiment in Equity markets improved during second half
of FY13 due to FII inflows, reform initiatives announced by the
Government and improving fundamentals of the US economy.
The Equity Desk of the Treasury actively churned its portfolio
and booked profits at regular intervals whenever an opportunity
emerged in the markets.
In line with the announcement of the Finance Minister in his
budget speech for FY12, your Bank, last year, co-promoted
the countrys First Infrastructure Debt Fund M/s India
Infradebt Limited to facilitate the flow of long term debt fund to
infrastructure sector.
The Foreign exchange desk of the Treasury retained its position
as one of the premier market players in the Forex desks of the
Public Sector Banks. The Proprietary trading desk was active in
cashing in of available arbitrages, using volatility in the markets
and mobilised resources in a tight liquidity position impacting
the Indian markets.
Your Banks Treasury Mid-Office monitors market exposures
and limits fixed by the Board of Directors, on a real time basis.
The Risk Management parameters, including Value-at-risk
(VaR) are used to measure Market Risk on all portfolios.
These measures are backed up by the Back Testing on risk
numbers and Stress Testing of various investment and currency
portfolios.
Corporate Social Responsibility (CSR)

As a responsible corporate citizen, your Bank is considering
donation to National/State Relief Funds and to any individual,
trust, society, charitable/social institutes of repute engaged in
social activities for the benefit of vast variety of people.
Donations are given to promote various activities. They are
extended essentially as a social welfare measure on a noncommercial basis to individual trusts, social work organizations/
institutions, etc.
In particular, your Bank has been giving donations for the
following purposes:
For the spread of education including for the girl child

and womenfolk in remote villages.
To reputed colleges/public schools and other similar

institutions.
To reputed hospitals engaged in charity or in service of

weaker sections
Assisting families of soldiers died in wars and handicapped

soldiers
Old age homes
Promotion of efforts for protection, conservation and

cleaning of environment including plantation/re-plantation,
rivers, lakes, forests, sanctuaries etc.
Adoption of gardens in cities where your Banks name can

be publicized
Family planning activities
For promoting the promotion and use of non exhaustible

sources of energy like solar power, gobar gas plants in
rural areas
Preservation of places of historical interest like gardens,

forts, temples etc.
For measures promoting prevention of cruelty to animals

and for setting up and maintaining animal and bird Hospitals
Vaccination projects for controlling spread of diseases/

epidemics
Providing support to organizations extending support to

handicapped persons like blind, lame, deaf and dumb, etc.
or suffering from any other disabilities
Promotion of measures for pollution control
2012-13
Besides these activities, your Bank has established

Baroda Swarozgar Vikas Sansthan for imparting training to
unemployed youth, free of cost, for gainful self employment and
entrepreneurship skill development which help them improve
their family economic status and also gives a boost to various
regional economies within these locations. All the Lead Districts
of your Bank have Baroda Rural Self Employment Training
Institute (R-SETI ).
Your Bank has also established Baroda Gramin Paramarsh
Kendra for knowledge sharing, problem solving and credit
counseling for rural masses across the country. In order to
spread awareness among the rural mass on various financial
and banking services and to speed up the process of financial
inclusion, your Bank has also established Financial Literacy
and Credit counseling Centres (FLCC). As on 31st March, 2013
your Bank had 45 FLCCs.
Asset Quality Management

The year FY13 was a challenging year for the Indian banking
industry from the perspective of Asset Quality due to a fragile
economic environment. However, your Bank continued its
practice of rigorous monitoring and recovery of the NPA portfolio
to prevent any serious deterioration in its asset quality. Yet, an
overstretched economic downturn did impact your Banks asset
quality to some extent during FY13.
Indian banks, in general, witnessed heavy incidence of
slippages in FY13 due to volatile financial markets both within
and outside India, higher inflation and higher interest rate
regime throughout the year FY13.
Other matters/ projects of social and human value
In spite of various depressed economic parameters, the fresh

slippages during the year, were at 2.29% of the opening
Standard Advances of your Bank. Against the backdrop of high
slippages, the ratio of Gross NPA to Gross Advances was at
2.40% as on 31st Mar, 2013. Consequently, the ratio of Net
NPA to Net Advances increased to 1.28% by end-Mar, 2013.
However, your Banks Loan Loss Coverage ratio (including
the technical write-offs) was at 68.24% in FY13 - a relatively
higher level, if compared to your Banks peers from the PSU
banking segment.
Visit of The Standing Committee of Parliament on Social

Justice and Empowerment to Mumbai
During the Financial Year FY13, your Bank disbursed
donations amounting to Rs.699.74 lakh to various
organizations engaged in the field of education, health,
women welfare etc. The activity-wise disbursement of
donations are as follows.
Sr.
no.
Activity
no. of
Donations
Amount
(Rs lakh)
1.
Education
24.00
2.
Health
4.50
3.
Women Welfare
2.00
4.
Social Welfare Activities
669.24
13
699.74
TOTAL
During the year under review, your Bank laid down a

comprehensive structure of recovery and credit monitoring
function at the Branch, Region, Zone and Corporate levels.
Besides this, the Nodal officers at each DRT centre were
advised to follow-up the legal cases on day to day basis so as
to minimize the delay in obtaining decrees and execution thereof
in order to expedite and maximize recoveries. For Recoveries
of all DRT Suit filed NPA accounts, the assets charged to the
banks are now being sold through E-auction to get a fair market
value of assets charged to the Bank. Additionally, ARCs have
been appointed as recovery agents and consultants have
been appointed for liaison with Official Liquidator to speed up
the recoveries.
Your Bank continued its emphasis on follow-up mechanism to
explore recovery prospects of NPA accounts. The system of
monitoring of large value NPA accounts of say Rs 25 lakh and
above, directly from the corporate office has ensured proactive
action by branches, advocates and recovery agents. Therefore,
the cash recovery in NPA accounts during FY13 was Rs 625.57
83
2012-13
Adhaar Payment Bridge System(APBS), Centralization of

Loan Processing at RLF and SMEs, Biometric Authentication
for CBS Login at Branches, Deployment of NPSLite (a
scheme to provide financial security for economically
disadvantaged people for protecting their future during old
age), automated processing of payments to NREGA, NPS
and MGPSYS beneficiaries etc were added during the year.
Core Banking Solution was implemented in Sydney Branch,
Australia. The robust technology platform has enabled your
Bank to open 100th International Branch during the year. Your
Banks RRBs are also on CBS Platform and as notified by
GOI, your Bank has successfully migrated RRBs of Central
Bank of India and Punjab National Bank with 350 branches
into one of RRBs of your Bank.
crore, higher than the cash recovery of Rs 580.46 crore during

FY12. The upgradation was also higher at Rs 341 crore during
FY13 compared to Rs 336 crore during FY12.
During FY13, your Bank laid specific focus on recovery of small
accounts by organizing Lok Adalats and Recovery Camps at
village/town level. Your Bank also launched an incentive linked
recovery scheme called Sankalp V, to enlist personalized
attention of each and every staff member in pursuing recovery
efforts of small value accounts with an outstanding up to Rs 15
lakh. The cash recovery made during the year FY13 under the
scheme was very impressive at over Rs 231 crore.
The asset classification wise breakup of advances portfolio of
your Bank is as under.
(` crore)
Asset Category (Gross)
31 March 2013
Standard
324828.74
Gross NPA
7982.58
Total
332811.32
Gross NPA is comprising of:
Sub-standard
4981.15
Doubtful
2628.33
Loss
373.10
Total Gross NPA
7982.58
st
31 March 2012
286542.59
4464.75
291007.34
st
Alternate Delivery channels

The Internet Banking, viz., Baroda Connect (Retail portal)

has been completely revamped in your Bank to enhance
its look and feel and user-friendliness. Your Bank continued
to add more facilities under its Internet Banking channels.
Other enhanced features such as Tax payments of various
States, Integration of GRIPS (Government Revenue
Receipts for West Bengal), Credit to Loan accounts, Bill
payments, Online donations to Prime Minister Relief Fund,
India Life Insurance premium payment through e-banking,
IMPS(Immediate Payment services) through e-banking
were added during the year. Your Banks Internet banking
facility is made available on all Smart-phones/ tablets
offering comfort of anywhere Banking to its customers.
Internet Banking has also been implemented in total
13 overseas territories viz. Tanzania, Uganda, Kenya,
Mauritius, Seychelles, Botswana, New Zealand, UAE,
FIJI and by adding Transaction based Internet Banking
in UK, Oman and Ghana and view based in Australia
during the Financial Year. View Based e-banking is also
provided in all Bank sponsored RRBs. In order to enhance
security and confidence in Internet Banking, your Bank
introduced enhanced security features by deploying Fraud
Management Solution, including two factor authentications
in India and 5 Overseas territories viz. UAE, UK, New
Zealand, Kenya and Uganda by enabling ARCOT OTP,
PULL OTP and SMS OTP.
2661.82
1318.71
484.22
4464.75
information Technology
Your Bank has undertaken a total end-to-end business and IT
strategy project covering your Banks domestic, overseas and
subsidiary operations.

Your Bank has built the best of technology infrastructure

by implementing a state-of-the-art Data Centre conforming to
Uptime Institute Tier-3 standard and also a Disaster Recovery
Site in different seismic zone with redundancy built in every
single point of failure to ensure uninterrupted banking service
delivery to customers. After successfully migrating Data
Centre to new Data Centre in the Banks own premises, your
Bank had undertaken Disaster Recovery Centre expansion
during the year to support its business growth and technology
expansion.
Your Bank has undertaken various other technology

initiatives like windows server virtualization, desktop
virtualization and backup consolidation as green initiatives
and also to improve Data Centre operational efficiency,
Application virtualization, Bandwidth up-gradation, ASM &
RAC Implementation, migration of Bank wide network to
new technology based on MPLS for improving uptime and
on demand upgrade has been successfully implemented.
Enterprise Management System was upgraded and new
modules deployed to effectively manage and monitor Banks
growing IT infrastructure.
The Core Banking infrastructure has been upgraded

by your Bank from PA-RISC to Itanium servers in all 23
Overseas Territories for supporting additional business
volumes. Various new Regulatory initiatives like Linking of UID
numbers, Account number portability, Capturing KYC related
information, Simplified account opening procedures, Addition
of village codes in core banking system, Implementation of
84
internet Banking - BARODA COnnECT
Your Bank has initiated the process of implementing Fraud

Management Solution for remaining six overseas territories
where transaction-based e-Banking is implemented.
View-based Internet Banking for US territory, PPF through
e-banking, Inter-Bank fund transfer through Internet
Banking for UAE have also been initiated by your Bank.
Your Bank also proposes to implement Transaction based
Internet banking for its sponsored RRBs, with two-factor
authentication.

Mobile Banking BARODA M-COnnECT

As one more alternate delivery channel, many features
were added to Mobile Banking by your Bank to provide
various facilities to customers, viz., IMPS i.e. Immediate
Payment Services Person to Account (P2A) fund transfer,

enabling mobile banking application in all i-Phones and
i-Pads in addition to Blackberry, Android, Windows,
enabling of NUUP(National Unified USSD Platform) etc.
Your Bank is also in process of implementing P2M (person
to Merchant) fund transfer under IMPS and has acquired
India First Life Insurance as the first merchant. Your
Bank proposes to enable Mobile Banking application for
Windows8, Implementation of Mobile banking in Uganda
and UAE etc. It has also initiated implementation of Mobile
banking in its sponsored RRBs.

ATM
The ATM Switch is upgraded in your Bank to a higher
version along with Hardware up-gradation with many
enhanced features for better performance, speedy ATM
transactions and ease of ATM expansion during the
year. The ATM switch is upgraded for India, UAE, Oman,
Mauritius, Fiji, Tanzania, Botswana, T&T and New Zealand.
Many customer centric initiatives such as implementation
of Rupay ATM Cards, Rupay POS and Rupay KCC Cards,
Brown label ATMs, Collection of Insurance premium for
IndiaFirst Life Insurance Policy holders through ATMs, ATM
Transaction receipt printing in HINDI, Regional Language
Screen selection for Gujarati, Marathi and Tamil, Talking
ATMs for visually impaired persons, implementation of
Fraud management Solution in ATMs/ POS in India have
been added during the year. Your Bank has successfully
launched Rupay ATM and Rupay KCC cards for its RRBs
also.
Your Bank has also proposed some more Customer
Centric initiatives like Immediate Payment Services (IMPS)
through ATMs, Regional Language screen selection in
ATMs (for Malyalam, Telugu, Kannada, Bengali), Cheque
book request through ATMs, NEFT through ATMs, Rupay
e-commerce, multi-factor authentication for card not
present transactions, Visa Debit card for UAE, BSP(Bank
South Pacific) Interchange Implementation for FIJI,
Prepaid card withdrawals through ATMs, Chip Based Card
Implementation in India, Oman and Mauritius, Card to Card
fund transfer, Bill Payment through ATMs etc.
2012-13
support for your Banks Credit Card operations.

The SWIFT facility for worldwide inter-bank financial

communication is provided at Foreign Exchange Authorized
Branches in India as also in 22 overseas territories by
adding UK and Australia during the year.
The Payment Messaging Solution (PMS) is implemented in

22 overseas territories by adding UK and Australia during
the year & all authorized branches in India. PMS facilitates
validation and formatting of SWIFT messages generated
from CBS as per SWIFT standards, and also goes through
AML check.
During the year under review, a grid based Cheque

Truncation System (CTS) was implemented in all MICR
Centres in Southern States, Kolkata, Ludhiana and
Chandigarh in addition to Delhi. Your Bank has also
initiated the process of implementation of CTS in Mumbai
and Western Grid of Maharashtra, Gujarat and Madhya
Pradesh.
Automated Cheque Processing Centre (Inward & Outward)

was implemented in Mumbai and Surat and Ahmedabad
were added during the year, as a part of Business Process
Re-engineering under its Project Navnirmaan.
For regulatory compliance, the Anti Money Laundering

(AML) has been implemented in India and 22 overseas
territories by adding Belgium during the year. Your Bank
has also implemented Risk Management solution. Your
Bank has also implemented Phase I AML solution in all its
sponsored RRBs and implementation for Phase II AML is
in progress.
Other initiatives

Your Bank has implemented Customer Relationship

Management as a new initiative for providing better
services to customers through a contact centre over phone
in order to improve their satisfaction and loyalty. Existing
customers/Prospective customers may call on Toll Free no.
(1800223344 & 18001024455) wherein following services
can be availed of.
Issuance of a cheque book
Enquiry about products and services
Account Enquiry Balance, Transaction, Amount in

Clearing etc.
Payment Systems
Hot-listing of ATM cards
All branches of your Bank (which are CBS-compliant)

are enabled for interbank remittances through RTGS and
NEFT. The RTGS and NEFT have also been interfaced
with your Banks internet banking portal. The Straight
through Processing (STP) of NEFT & RTGS have been
implemented for the Bank as well as RRBs. RTGS & NEFT
has also been implemented in Uganda.
Stop payment marking / un-marking
Request for issuance of debit card.
Request for re-generation of debit card PIN
Support for e-banking users
Re-generation of mobile banking password
Internet Payment Gateway services for debit cards/credit

cards are increasingly offered to merchants and internet
shopper as a safe and secure channel for online purchases.
On-line (paperless) TPIN generation facility
Cash Management System is a full-function web enabled

cash management solution offered to your Banks
customers, covering services like Receipt Management
(Collections), Payment Management and Invoice
Management (Receivable and Payable Management).
New Credit Card Management System has been

implemented to provide comprehensive management and
Other information regarding products and services of your

Bank is also provided to prospective customers/account
holders. The CRM applications is linked to sales offices like
Retail Loan Factories (RLFs), City Sales Offices (CSOs)
wherein the leads generated at contact centre on the basis
of enquiry about the products by customers are transferred
to these offices for further processing.
Your Bank has also completed a launch of recovery
85
2012-13
processes through contact centre wherein customers

are informed about the EMI and due amounts. This shall
facilitate customers to deposit EMI/due amount on demand
dates.

The Retail Depository Services are made available to

your Banks Retail as well as Corporate customers. With a
centralized depository application, branches are equipped
to provide depository services for both NSDL as well as
CDSL. With Online Trading System, your Bank will be
able to provide complete suite of online services to the
customers for trading in instruments like equities, mutual
funds, bonds and initial public offering (IPOs).
For improving your Banks service delivery, the Back Office

functions have been centralized at City Back Offices and
Regional Back Offices. Your Bank now has 70 City Back
Offices and 10 Regional Back Offices. The personalized
cheque book issuance has been centralized. Your Bank
has also started centralized FCNR operations.
The Integrated Global Treasury Solution has been

implemented in UK, UAE, Bahamas, Bahrain, Hongkong,
Singapore, Belgium and in India, reducing the cost of
operations and better fund management.
Enterprise wide GL Solution has been implemented. This

provides variety of inputs to your Bank for strategic decision
making in business development and also generates
enterprise wide consolidated reports.
The Centralized Payroll, Salary module, e-TDS module and

Leave Module have been implemented for all your Banks
offices in India.
The Human Resource Networking for Employees Service

has been implemented with the objective of creating a
central database of the Bank employees for facilitating
decision-making, promotion and selection exercise as also
for automating other HR processes.
Your Bank had also undertaken as a part of its business

strategy, Data Warehouse for providing flexible and
interactive source of strategic information, Customer
Relationship Management for better customer insight and
uniform customer view across channels.
Your Bank has upgraded existing applications like

Exchange, e-Business suite with enhanced features,
encompassing Customer Relationship Management,
HRNes and Enterprise wide GL modules.
The IT setup has been developed for account opening
process and transactions, both online and offline, to be
carried out through Business Correspondent thus enabling
Financial Inclusion. The Mobile Van Banking is launched in
Gujarat, UP & Bihar on a pilot basis as the Banks Financial
Inclusion initiative.
Your Bank has fully automated its Loan Processing (Retail,
Agri and SME) modules for better and quick customer
service. Your Bank also provides a single click Online
loan Application feature for Home Loan, Auto Loan and
Education Loan.
Your Bank has also initiated automation of Loan processing
for MID-Corporate and Corporate customers.
information Security
86
A robust Information Security Management System was

put in place during the year under review to protect the
technology against security threat. A Comprehensive Audit
by External Agencies is being successfully carried out
by your Bank for its Core Banking Solution and all other
applications as well as for Data Centre/Disaster Recovery
centre Infrastructure.
Your Bank has set up a Security Operation Centre (SOC)

for enhanced IT security.
Your Banks both Data Centre and Disaster Recovery

Centre are ISO 27001 certified.
Your Banks has Implemented Fraud Management Solution

for Internet Banking, ATM & POS. In order to enhance
security and confidence in Internet Banking, your Bank
introduced Fraud Management Solution, including two
factor authentications in India and five Overseas territories
viz. UAE, UK, New Zealand, Kenya and Uganda by
enabling ARCOT OTP, PULL OTP and SMS OTP.
As a security measure, Your Bank has also enabled SMS

Alerts delivery facility to its customers for all transactions
made through alternate delivery channels and for all CBS
transactions worth Rs.5000 and more.
Your Bank is regularly conducting VAPT (Vulnerability

assessment & Penetration Testing) of external facing
applications, eBanking log monitoring etc.
Your Bank has enabled a Fraud Risk Management system

for day-to-day monitoring of suspicious transactions at
Branches for protecting interest of customers.
While cyber-attacks have become more unpredictable

and electronic payment systems vulnerable to new types
of misuse, it is imperative that banks introduce certain
minimum checks and balances to minimise the impact
of such attacks and to arrest/minimise the damage. To
minimise the damage, your Bank has initiated following
additional security measures which will be enabled shortly.

All new debit and credit cards will be issued for

domestic usage unless international usage is
specifically sought by the customer.
Convert existing MagStrip Cards to EMV Chip card.
PIN enabled POS
Enabling additional security as addition of Digital

signatures for Corporate Internet Banking.
Direct Benefit Transfer

Your Bank has initiated Direct Beneficiary Transfer under

Aadhaar Payment Bridge System (APBS) and wages
payment for Mahatma Gandhi National Rural Employment
Guarantee Act (MGNREGA).
For MGNREGA transactions, your Bank has started Pilot

Project for Sanganer Block in State of Rajasthan during
the year and processed 9,593 transactions amounting Rs.
86,54,676/-
Under APBS, your Bank has linked 1, 31,735 Adhaar Card

and provided credit to 6,635 beneficiary amounting Rs
49,01,659/-

Your Bank has also initiated another project for Direct

Beneficiary transfer in association with Central Project
Scheme Monitoring System (CPSMS).
c)
Your Banks e-business department provides different types

of Alternate Delivery Channels (ADC) such as ATMs, Internet
Banking (Baroda Connect), Mobile Banking, RTGS/NEFT,
Phone Banking, Internet Payment Gateway (IPG), Contact
Centres etc. In addition to this, the e-banking department of
your Bank looks after Depository Services, Cash Management
Services.
This year, your Bank introduced different variants of Debit Cards
i.e. Maestro PIN Debit Card and RuPay Debit Card. In addition
to this, your Bank also launched a new variant of Pre-paid Card
i.e. Baroda Travel Easy US Dollar Travel Card.
Also, Online Trading facility for Retail customers of your Bank
was launched in July 2012.
The performance of various sections under the e-Business
Department during FY13 is summarised below.
BARODA RTGS/nEFT
31/03/2012 31/03/2013
Addition
during the
year
No. of ATMs
operationalised
2,012
2,630
618
No. of Debit
Cards Issued
(lakh)
80.44
103.76
23.32
2011-12
RTGS
NEFT
2012-13
RTGS
NEFT
No. of Inward
Transactions
16,62,070 61,37,139 21,83,550 1,31,42,497
No. of Outward
Transactions
21,47,527 29,48,252 27,45,872 53,77,922
Avg Transactions per

day (Inward) during
last month i.e. March
7,720
28,376
9,929
76,361
Avg Transactions per

day (Outward) during
last month i.e. March
9,338
13,211
11,713
25,092
Baroda Cash Management Services

During FY13, the total number of transactions in BCMS

was 30.91 lakh as against 14.19 lakh during FY12, with
a total turnover was Rs.27,480.62 crore as against Rs
10,355 crore during FY12 and a profit of Rs 97.27 lakh
was earned during FY13.
The number of customer has increased from 206 as on

31/03/12 to 308 as on 31/03/13.
It is proposed to extend these services to 100 more centres

in a phased manner.
ATM/DEBiT Card Operations

Particulars
Online payment of premium of India First Insurance
Particulars
E-business
2012-13
Baroda e-Gateway (internet Payment Gateway)

As on 31st March 2013, a total of 148 Merchants were

registered as against 124 as on 31st March 2012 and the
total turnover during FY13 was Rs 50.85 crore. A Profit of
Rs 65.68 lakh was earned during FY13 from this activity.
new initiatives & Achievement during FY13
Other new initiatives taken during FY13
a)
Maestro PIN Debit Card: Launched in April12
Online Trading launched for Retail Customers.
b)
RuPay Debit Card : Launched in September12
Baroda Travel Easy US Dollar Travel Card has been

launched.
Debit Card failed transaction complaint registration through

Contact Centre has been started.
c) Onsite ATM Installation of Cheque Drop Box in all onsite

ATMs
d) Issuance of debit cards in Nagrik Bachat Khata with effect
from 5th Dec, 2012.
Baroda Connect (internet Banking)

Particulars
No. of Users
No. of A/cs
Linked
31/03/2012 31/03/2013
Addition
during the
year
8,10,430
10,76,635
2,66,205
32,49,216
45,79,969
13,30,753
new initiatives during FY13

a)
Credit/transfer to loan account through Baroda Connect.
b)
Online FDR for NRIs/PIO enabled.
Launching of First Contact Centre at Zonal Office, Lucknow to

make banking more convenient for NRI Customers.
87
2012-13
Contact Centre for NRIs has also been launched.
human Resources
Standardized Public Grievance Redressal system has been

launched from Contact Centre (for registration of customer
complaints).
Human resource Development is a critical element of your

Banks overall strategy for ensuring profitable and qualitative
growth.
Recovery of Retail Loans (EMIs) through ECS has been

started on pilot basis in two Zones of your Bank, notably,
the Greater Mumbai and Northern Zones in April 2013.
Today, your Bank is endowed with a competent and highly

motivated employee base of around 43,108 people who are
engaged in handling its mammoth business operations.
Your Bank is ready for a pilot launch of National Automated

Clearing House (ECS credits).
The Complaints registration through Contact Centre

(SPGRS Portal) has also been initiated in your Bank.
Proposed initiatives/Strategies for FY14

To launch 50 e-lobbies (with ATM, Bulk Note Acceptor, Self

Service Passbook Printer Kiosk, Internet Banking Kiosk,
Cheque Deposit Machine & Phone Banking facility).
Installation of Self Service Passbook Printer Kiosks in all

Baroda Next Branches.
To install 50-100 Bulk Note Acceptors.
ATM/Debit Card

Card to Card transfer
ATM Bill Pay
Non-Personalized Debit Card
Biometric ATMs/Debit Card
NEFT through ATM
Talking ATM
Request for Cheque book through ATM
Baroda Connect (internet Banking)
Your Bank has adopted a very balanced people strategy to

create a composite and responsible Human Resource culture in
the Bank that can drive growth and also adequately face various
challenges of the current times, viz. the large retirements,
massive induction of talent, huge training requirements and
challenges of succession and productivity. A comprehensive
HR strategy and Framework has been drawn up to take care of
all these challenges in an integrated manner through a focused
HR transformation project called Project SPARSh which is
unique and path-breaking in the entire industry.
This journey of HR Transformation was started in August2011
and over the last one year, various landmark HR initiatives have
been launched in your Bank which are futuristic and designed
to make Bank of Baroda one of the best places to work for its
employees. For this, your Bank wants to create cutting edge
HR policies and processes through which it can become a
role model for all other banks and in the process, leverage the
full potential of its human capital to substantially improve the
employee productivity.
Online premature payment of Fixed Deposit Receipt
Online facility of Saving Bank and Recurring Deposit
Providing convenient login without one-time-password with

the help of QNA (for registered customers).
Formulation of Talent Management system:

Developing the next line of leaders in the Bank
Revamping pages of Baroda Connect Corporate portal.
IMPS payments through Net Banking.
Your Bank took a big step for developing the next line of
leaders for the future by putting in place a Talent Management
system which proactively identifies future potential leaders
to effectively mitigate the risks arising out of the anticipated
leadership gaps in the next five years and also grooms these
future leaders through a systematic development agenda.
Through a systematic and structured process, the Bank was
able to clearly identify around 15.0% to 20.0% people in specific
scales of officers viz. in Scales III, IV, V and VI as the future
leaders. A grooming plan has been laid down for each of them.
The process is envisaged as an annual exercise so that the
pool of identified people and the various talent management
activities envisioned are continuously reviewed and refined. A
first of its kind Baroda Annual Leadership Conclave was
conceptualized to provide the members of the Talent pool to
broaden their perspectives on banking and industry trends and
help them connect and network with their peers and senior
leadership in the Bank, and the first such conclave was held
in Mumbai on 11-12 August, 2012.
Baroda M-Connect (Mobile Banking)

Enabling Merchant Payments
Implementation of Fraud Management Solution
Baroda Pre-paid Cards

Online issuance of Baroda Gift Card
Issuance of reloadable cards.
Contact Centre

Outbound calls for Recovery and Sales.
Web Chat
SMS/Voice/Emails blasts
Expanded IVR (i.e. Mini Statement, request for account

statement)
88
2012-13
In order to tackle the challenge of making the large number

of fresh recruits productive in the quickest possible time, your
Bank initiated a very structured on-boarding programme
consisting of both functional and cultural components which
enabled them to be work-ready quickly and also helped in their
cultural assimilation within the Bank.
Baroda Manipal School of Banking
Special Program organised to celebrate International Womens Day

on 8th March 2013 at its Corporate Office, Mumbai.
The Baroda Manipal School of Banking is a special initiative

taken jointly by Bank of Baroda and Manipal Global education
to train students for a Banking career in Bank of Baroda on a
first-day, first-hour productivity model. The students undergo
a focused one-year programme which is tailored to the Banks
requirements and which leads to the award of a post-graduate
diploma in Banking and Finance, before they are absorbed in
your Bank as Probationary officers.
Strategic workforce planning and Recruitment

strategy
A scientific manpower planning model was developed by
your Bank to estimate manpower needs by level, skills and
by branch. With its help, your Bank has also undertaken the
strategic workforce planning for the next few years to feed into
various other HR functions like recruitment planning, career
progression vacancies and postings & deployment.
Your Bank has put in place a clearly defined Recruitment
strategy which looks at broad-basing recruitment from different
channels, hiring of larger numbers in view of the emerging
requirements as thrown up by the strategic workforce planning
and also articulating a clearly-defined Employer Value
proposition with the acronym F I R S T as shown below:
This innovative Resourcing channel was initiated during the year

FY12 but after completing the one year course, the students
have started joining the Bank from FY13 onwards. Around three
batches of students numbering 526 have already joined the
Bank while another four batches of students numbering around
864 are undertaking the said one-year course at present.
A specially designed Career portal has been launched on

the Banks website which defines this Value proposition further
with clearly laid out sections related to why your Bank should
be the preferred choice for any prospective applicant, what is
the career path, the recruitment channels available, different
facets of working at Bank of Baroda and testimonials from
Banks existing employees. All these strategies are designed
to improve Banks Employer Branding significantly.
Shri S.S.Mundra, Chairman & Managing Director, addressing

the students of BMSB.
Capability Building Initiatives
CMD, Shri S.S.Mundra launching the Banks Career Portal and

inaugurating the first HR Shared services back-office under
Project SPARSH at Baroda
With the objective of bringing the desired

focus and developmental orientation, your
Bank rebranded its training system as
Baroda Academy and launched various
training initiatives under this Baroda Academy
umbrella in order to create a learning
organization, help in better grooming and
development of its people and thereby significantly improve
organizations performance.
89
2012-13
On the processes side, several landmark initiatives were

introduced like publication of a comprehensive annual training
calendar, introduction of self-nominations as an additional
channel of training nominations, introduction of the system of
training credits, introduction of tests at the end of every training
program, creation of a pool of expert practitioners as Associate
Faculty, enhancement and standardization of course content,
drive for building a directory of Case Studies for use in training
programmes, preparation of a Training policy, Training Manuals,
etc. All these initiatives have brought about a renewed focus to
the Training and development function and helped in making
training a very potent tool for human capital development in the
Bank. Various IT tools have been put in place to streamline the
training processes and enable large-scale implementation of
all the training initiatives.
On specific capability building initiatives, your Bank has, in line
with the renewed focus given to training, carried out substantial
training and developmental activities during FY13, which
included comprehensive grooming programmes in the area of
Credit, Forex, Dealings, Branch Management, Planning, Risk
Management, etc. besides soft skills programmes and ensuring
all-round development and grooming of young officers and new
recruits. Your Bank conducted 2,198 training programmes inhouse (through its network of 12 Training Centres across the
country, one IT training center and an Apex Training College
at Ahmedabad) and thereby trained 43,465 people during the
year. Besides, your Bank also sent around 2015 employees for
undergoing training in various reputed external training institutes
of the country and even abroad. As part of the overall grooming
plan for the Talent pool members, customized programmes
were conducted through specialized external training institutions
covering specific developmental areas.
Select Deputy General Managers and Assistant General
Managers of your Bank were sent to undergo a Top
Management programme at one of Indias best B-Schools viz.
ISB, Hyderabad whereas in another initiative, your Bank trained
an additional 150 specially identified people across the Bank to
undergo a focused Mentoring programme so that they could act
as mentors to newly recruited officers, taking the total number
of trained mentors in the Bank to around 500.
Leadership Development (Project UDAAn)

Taking into account the critical need for building leadership
competencies in people, your Bank had launched a
comprehensive leadership development program named
as Project UDAAn in FY12, covering Branch Heads of all
Urban/Metro Branches and all Assistant General Managers
and Deputy General Managers with the objective of creating
leaders for the future.
90
The programme was structured around three modules of

leadership viz. Leading Self, Leading Others and Leading
Business and each of the three modules are being addressed
through a combination of off-site forum events and coaching
clinics. The programme covered around 960 participants
across seven zones of your Bank during the year FY12 and
the same was continued in FY13 to cover an additional 760
more participants in another five batches. Such a massive and
comprehensive leadership development effort is first of its kind
for an Indian state-owned Bank.
implementation of hR Technology
Your Bank has created a very comprehensive HR technology
platform covering HRM, Training, Payroll & Leave modules
christened as the Human Resources Network for Employee
Services (HRNes). This technology platform has enabled
automation of various HR functionalities and various modules/
various new processes were automated/ implemented during
the year.
Recruitment Drive
Your Bank has been undertaking focused hiring efforts on
a sustained basis year on year, to cater to superannuation,
sustained business growth and rapid Branch expansion.
Various recruitment exercises were undertaken during the
year to address the emerging manpower requirements in your
Bank. Recruitment of Specialist officers, probationary officers,
recruitment of young MBAs directly from the campuses of
renowned Business Schools were initiated to meet the needs
of your Bank, both in terms of replacements for normal attrition
and factoring in the business growth needs. Your Bank recruited
1,246 Officers in various Grades/Scales (both Generalists &
Specialists), 1,731 Clerks and 700 Subordinate staff members
during FY13. The recruitment process is continued in the year
2013-14 also with various recruitment projects underway for
filling up almost 2,800 posts of officers and 3,500 posts of clerks.
Framework for Career Progression

Special efforts were made during the year under review to
fulfill the growing aspirations of the employees for faster
career progression, thereby, motivating employees for higher
productivity. Your Bank has been regularly promoting people in
all grades / scales, year after year, without a break, in order to
keep on continuously rewarding its top performers and make
them assume higher responsibilities faster. In keeping with this
trend, a large number of promotion exercises were undertaken
during FY13 also resulting in the elevation of around 3,793
people within the Bank in all cadres/grades/scales, as
depicted in the table below.
Sub-Staff to Clerk
160
Clerk to Officer
553
JM-I to MM-II (Officer to Manager)
1332
MM-II to MM-III (Manager to Sr Manager)
1055
MM-III to SM-IV (Sr. Manager to Chief Manager)
480
SM-IV to SM-V (Chief Manager to Asstt. Gen.

Manager)
160
SM-V to TEG-VI (Asstt. Gen. Manager to Dy. Gen.

Manager)
35
TEG-VI to TEG-VII (Dy. Gen. Manager to General

Manager)
18

Special Thrust on Development of SC/ST/Other
Backward Communities
Your Bank is committed to the constitutional safeguards and
social objectives for development and welfare of persons
belonging to SCs, STs and other backward classes in the
society. Your Bank is one of those banks in the entire banking
industry that have the highest number of employees belonging
to SCs and STs, which itself shows the commitment of the
Bank towards their development and upliftment. Some of the
highlights of your Banks efforts for development and welfare
of people belonging to SCs and STs are enumerated as under.
Reservation in Employment
Your Bank observes all guidelines stipulated by the Government of
India for reservation of posts in employment in All India recruitment
and local recruitment. Around 15.0% posts are reserved for SCs
and 7.5% posts are reserved for STs in all India recruitments
as also for selection to Baroda Manipal School of Banking (i.e.,
another channel of resourcing started by the Bank). For other
recruitments made on regional basis, appropriate percentage
prescribed for various States is being observed. Special efforts
are made like offering pre-recruitment orientation training to SC/ST
applicants for recruitment in your Bank. Relaxation in age limit and
qualifications are given and interviews of SC/ST candidates are
taken on relaxed standards in order to ensure that appointment of
candidates to the reserved posts happens. In the Interview Panel for
recruitment, a member belonging to SC/ST is invariably associated.
Candidates belonging to SC/ST, who are called for interview, are
reimbursed traveling expenses. In addition to providing reservation
in employment, your Bank is also providing reservation and other
enabling mechanisms in career growth and promotions to SC
and ST employees as per the existing guidelines. Pre-promotion
training before participating in promotion exercises is also provided
to these candidates. Around 10.0% of the available residential
accommodation of your Bank is reserved for the SC/ST candidates.
The staff strength and representation of SCs and STs as of 31st
March 2013 is as under.
Cadre
Total
SC
SC %
ST
ST%
Officers
17933
3044
16.97
1261
7.03
Clerks
16869
2392
14.18
1158
6.86
Substaff
8306
2836
34.14
769
9.26
Total
43108
8272
19.19
3188
7.39
SC/ST Cell
An exclusive SC/ST Cell in your Bank has been set up to
monitor the reservation and other enabling provisions for SC/
ST employees. An executive in the rank of General Manager
is appointed as Chief Liaison Officer for SC/ST employees to
ensure compliance of various guidelines pertaining to the SC/
ST employees. A Liaison Officer for SC/ST has been appointed
in each Zone of the Bank who takes care of all matters and
2012-13
grievance redressal of SC/ST employees of that Zone.
Meeting with SC/ST Welfare Association

With a view to have direct dialogue and review of reservation
and other special provisions for SC and ST, your Bank holds
quarterly meetings with the representatives of SC/ST Welfare
Association of the Bank. Your Banks Chairman and Managing
Director and Senior Executives including the Chief Liaison
Officer for SC/ST participate in such meetings.
Bharat Ratna Dr. Babasaheb Ambedkar Memorial

Trust
Your Bank has established the Bharat Ratna Dr. Babasaheb
Ambedkar Memorial Trust in 1991 for promoting welfare
activities for the benefit of SC/ST employees and their family
members. Apart from scholarships to children of employees
belonging to SC/ST, the Trust also provides scholarship to
needy students belonging to SC/ST community, in general, in
major centres of the country.
Visit of national Commission for Scheduled Castes

The National Commission for Scheduled Castes visited your
Bank at various places during the year as shown in the following
table to review the implementation of the reservation policy of
the Government of India for SCs in your Bank, had discussions
and interactions and examined the level of implementation of
the policies and programmes.
Sr
no
Place of Meeting
Date
01
Jaipur
26.05.2012
02
Dehradhun
25.07.2012
03
Bangalore
22.08.2012
04
Bhopal
27.09.2012
The National Commission for SCs for verification of Rosters and

other working service safeguards visited the Bank at Baroda on
05.12.2012 and also at Jaipur on 31.01.2013. The suggestions
and guidance of the Commission are being scrupulously
observed by your Bank.
Various other commissions and parliamentary committees
formed for promoting the welfare of different backward classes
and safeguarding the interest/working conditions of different
sections of society also visited your Bank as per the details
given below and were apprised of the steps taken by the Bank
in implementing all the relevant government guidelines and the
different welfare measures adopted by the Bank to ensure their
overall development and meeting of social objectives.

The National Commission for Safai Karamcharis at Goa

on 11.02.2013
Study visit of the Committee on Government Assurances,

Rajyasabha (for Persons with disabilities) at Mumbai on
22.01.2013
Meeting with Parliamentary Committee on Welfare of OBCs

at Mumbai on 07.02.2013.
91
2012-13
Business Process Re-engineering (Project

nAVniRMAAn)
After almost four years of the BPR-led transformation, your
Bank now stands tall in the Indian Banking space. First ever
Annual Conference of Indian Public Sector Banks on Business
Process Reengineering (BPR) was hosted by Bank of Baroda
in Mumbai on 14 July, 2012, along with Union Bank of India
under the aegis of the Ministry of Finance, Government of India.
Annual Conference of Indian Public Sector Banks on

Business Process Reengineering (BPR) in Mumbai on 14
July, 2012
Key areas of the nAVniRMAAn Transformation

Your Bank has created the Baroda-Next line of branches

with a modular design, clear front/back office separation,
comfortable customer waiting area, suitable frontline
automation and dedicated sales & service teams at all
metro and urban centres.
It has carried out the upgradation of Back Offices through:
Process Redesign
Workflow-based Systems replacing Manual process
and use of machines.
Enlargement (to make room for new work-step
migration)
Your Bank has aggressively rolled out the Baroda-Next
Branches and Back Offices across the country.
Your Bank has created a Sustainability enabler e.g.
Documentation, Technology enablement, Performance
Management and Training and Re-training.
BPR Workshop
92
Your Bank has rolled out the Sales processes at branch and
enterprise-wide Sales Accountability Model (Baroda-Next
Sales Operating Model).
Your Bank undertakes periodic customer and Employee
Satisfaction Surveys for impact evaluation.
The BPR performance of your Bank has created a positive
impact both in terms of business growth and customer/
employee satisfaction through the following.
Baroda-next Branch- Around 1,382 metro/urban
branches have been rolled out as Baroda Next branches
in your Bank so far.
Branch Front-end Automation- The Queue Management
System (QMS) & Cheque Deposit Machine (CDS)
machines are installed in 93 and 40 branches, respectively.
City Back Office (CBO) - Clearing operations have been
centralized for all branches (linked to CBO). Three CBOs
at Mumbai, Ahmadabad and Surat have been automated.
Regional Back Office (RBO) - Altogether 2,925 and
3,900 branches are linked for CASA opening and PCB
(Personalized Cheque Book) issuance, respectively.
Credit centralization Pilot (RLF/ SMELF) The Retail
and SME credit centralization pilot is under progress at
the Loan Factories in Baroda.
Rollout Sales Operating Model at each Baroda next
branch- The Sales Operating Model at 32 Regions
covering 739 Baroda-Next branches has been rolled out.
Mid-corporate vertical- Separate Mid-corporate vertical
has been created and 15 Mid-corporate branches have
been opened at important locations.
Academy of Excellence- Continuous sensitization,
training and capability building at all levels remain an
integral part of the Baroda Next rollout programme. It
involves a Zonal /Regional Kick-off, Branch Meeting; Boot
camp, Branch-based Training, External Sales Trainings
and Conclaves.
Sustainability of navnirmaan initiatives/impact- A
certification procedure for Baroda Next branches has
been introduced in terms of which process compliance/
adherence are being evaluated by your Banks Internal
inspectors and CSAT/ESAT are being evaluated externally
by the Market Research Agencies.
Marketing
During FY13, your Bank continued to promote its brand and
various products and services through advertising, customer
engagement programs and in-branch display. In the process,
your Bank endeavoured to use different media vehicles such
as Print, Electronic and OOH apart from supporting the onground activities undertaken by branches in the Zones/Regions.
The highlights of various marketing/communication activities
undertaken during FY13 are given below.
Your Bank initiated a unique Brand Engagement Program
titled Bank of Baroda Canvass Competition on 14th
November 2012 - Childrens Day, to create a platform for
building a long-term relationship with a younger audience as
well as their influencers i.e. parents/teachers. The Competition
was designed to invite entries from school children across the
country on a pre-determined topic and winning entries were
selected on National/Zonal/Regional levels by a select panel of
judges. Your Banks mascot i.e. Stickman was also leveraged
extensively during the Competition to help establish a brandassociation with the Target audience. A judicious mix of Print

& Radio Media was used in the Campaign to maximise the
number of entries in the Competition. Around cities, where our
Regional Offices are present, were primarily targeted. A total of
1.98 Lakh students representing over 3,000 schools from across
the country participated in the Competition, during a short span
of 45 days, giving your Bank an opportunity to engage with
them in the near future.
2012-13
Awards and industry Recognition for Bank of Baroda

Your Bank received several awards during FY13, for its
consistent outstanding and all-round performance (both
business and financial), superior management, dedication to
excellence and contribution to rural economy and financial
inclusion.
Given below are a few select awards won by Bank during the
year FY13

Bloomberg UTV Financial Leadership Award Best PSU

Bank 07.04.012, Mumbai
Best CIO Award of BFSI sector from Institute of Public

Enterprises, 2012 June, Hyderabad
Reserve Bank Rajbhasha Shield 29.06.2012, Mumbai
Your Bank undertook various Product Promotion Campaigns

to promote its products and services amongst target audience
through advertising across different geographies. The focus
was on providing information on various products and services,
particularly Savings Deposits, Current Deposits, NRI Deposits,
Home Loan, Car Loan, SME Loans and Alternate Delivery
Channels through judicious use of various media vehicles.
Information relating to expansion of branch network, both
domestic and overseas, was also given due publicity largely
through print medium which helped in enhancing your Banks
brand image & visibility.
Your Bank also took the initiative of educating its customers
through publication of special literature on Alternate Delivery
Channels and products & services relating to SME segment.
It also participated in various events such as Pravasi Bhartiya
Diwas 2013, FICCI IBA Banking Conference, Dun &
Bradstreet Exporters Excellence Awards, MINT Annual
Banking Conclave, CIIs Manufacturing Summit and Standard
Chartered Mumbai Marathon 2013, among many others to
interact with customers and also for creating brand association
with them.
a)
First Prize in Region A
b)
Second Prize in Region B
c)
Consolation Prize in bilingual house journal Bob

Maitri
Reserve Bank Rajbhasha Shield from RBI.

During FY13, as part of its Public Relations task, your Bank had
wide Media Coverage of its activities across the country which
helped in maintaining the Banks Brand image.
The Sunday Standard FINWIZ 2012 Awards 20.08.2012,

New Delhi
Best Indian Bank Large (Runner Up)
Best Public Sector Banker Large (Runner Up)
Your Bank also won several awards from reputed Media Houses
and other Organizations during the Year on various business
parameters, a list of which is appended below.
Dun & Bradstreet Polaris Financial Technology Banking

Awards 24.08.2012, Mumbai
a)
Best Public Sector Bank under the category Global

Business Development
b) Overall Best Public Sector Bank

Banking Technology Award-2011 by IBA 27.08.2012,
Mumbai
a)
Use of Technology in Training & e-learning Winner
b)
Best Customer Relationship initiatives 1st Runner

up
c)
Best use of Business Intelligence 1st Runner up
d)
Best use of mobility tech in Banking 2nd Runner up
e)
All India Marketing Officers Conclave conducted at Staff
College, Ahmedabad August 2012
Best Risk management & Security initiatives 2nd

Runner up
Silver Trophy for effective implementation of Automated
storage Management & Oracle RAC from SKOCH Digital
Inclusion Award- 2012, 04.09.2012, New Delhi
93
2012-13
Business India Best Bank Award 2012 14.09.2012,

Mumbai
Indira Gandhi Rajbhasha Shield Competition, New Delhi
a)
First Prize 14.09.2012
b)
Second Prize for Akshayyam in Hindi House Journal

Competition
(Association of Business Communicators of India) ABCI

Awards 2012, 19.10.2012
a)
Special Column (English) - Bobmaitri, Silver Trophy
b)
Special Column (Language) Akshayyam, Silver

Trophy
c)
Corporate Web-site Bank of Baroda website, Silver

Trophy
Business Standard Banker of the Year (2011-12) was

conferred on Shri. M D Mallya, Former CMD of Bank of
Baroda in January 2013. Conferred on 23.03.2013.
My FM Stars of the Industry Award for Excellence

in Banking (PSU) Silver awarded by Radio FM on
14.02.2013 in Mumbai
My FM Stars of the Industry Award for Excellence in

Home Loan Banking Bronze awarded by Radio FM on
14.02.2013 in Mumbai
FE Best Banks Award 2011-12 for Best PSU Bank

awarded by Financial Express Group on 20.02.2013 in
Mumbai
Forbes India Leadership Award Best CEO Public Sector,

28.09.2012, Mumbai to Shri M D Mallya
Bank of Baroda conferred with Best PSU Bank Award for the year
2011-12 by Financial Express- received by Shri S. S. Mundra (CMD)
CMD of Bank of Baroda awarded with Forbes India Leadership

Award Best CEO Public Sector', at Mumbai
CNBC TV18 India Best Banks and Financial Institutions

Award 2012 Best Public Sector Bank, 17.10.2012,
Mumbai presented to Shri M D Mallya
Best Large Bank 2012 Business World November 26th

2012 Issue
Best Large Bank 2012 Business Today KPMG

December 2012
Best Public Sector Bank Award by State Forum of Bankers

Club, Kerala, December 2012, at Ernakulam
Bank of Baroda, conferred with Best Public Sector Bank

Award by State Forum of Bankers Clubs, at Ernakulam.
94
Strategic Communication and Leadership Award by Asian

Confederation of Business and World CSR Congress at
Corporate Affairs Award Ceremony, Mumbai on 18/02/2013
The Most Efficient Public Sector Bank by Dalal Street

Investment Journal on 23/03/2013.
National Award for 2011-12, conferred for excellence in

the field of Khadi & village Industries by Khadi & Village
Industries Commission on 3rd April,2013
Premises Re-Engineering and Ambience

Enhancement
Given below are the major achievements of your Bank in the
area of Premises re-engineering and ambience enhancement
during the year FY13.

Your Banks administrative office cum residential complex

at Jamshedpur was completed. It was equipped with
ultra modern gadgets and systems with energy efficient
equipments, rain water harvesting system and eco- friendly
materials. Your Banks presence by this building in the
Steel City is admired by one and all. Now, it has become
landmark building of Jamshedpur city.
As per the directives from Ministry of Finance, your Bank

linked its Corporate Office and all Zonal and Regional
Offices through State-of-the Art Video Conferencing
systems with MPLS Connectivity. Interaction of functional
heads through VC has expedited the decision making
process in a more efficient and cost effective manner.
Your Bank is also marching towards technology based

initiatives in the form of e-tendering, e-procurement, etc., and
implemented these initiatives in a phased manner during FY13.

All payments to vendors are being made through RTGS/

NEFT or credit to beneficiary account.
In tune with your Banks policy to have its administrative

offices in owned premises, your Bank purchased land at
Bangalore (Karnataka), Hyderabad (AP), Faizabad (UP)
Indore (MP), Udaipur, Haldwani (Uttrakhand ), Dehradun
(Uttrakhand), Jaipur (Rajasthan) and New Raipur
(Chhatisgarh) for construction of commercial buildings.
2012-13
A residential complex at Cenotaph Road, Chennai was

constructed wherein there were three 3-BHK flats, twelve
2-BHK and one General Guest house, and state of the art
VIP guest house.
New Premises at Cenotaph Road, Chennai

Inauguration of new Branch in Naharpur, DMR-I
Looking to the ever increasing rentals, a need is being felt

to use every nook and corner of the available premises.
Layouts were revisited while renovation and furnishing of
branches/offices was done by introducing eco-friendly and
ergonomically designed sleek furniture items. The area
norms for acquisition of the premises were also reviewed
and implemented.
To have uniformity in systems and procedures pan-India,

Premises Policy Guidelines, Constructions Manual,
Refurbishment Manual were formulated and agencies
for modular and chairs were also identified for quick
procurement of the furniture items and to have similar and
identical design to get aesthetically pleasant look.
Projects implemented during FY13

Your Bank constructed a commercial complex at Mylapore,

Chennai having Zonal Office, Branch & Currency Chest.
New Premises at Mylapore, Chennai
Your Bank constructed a residential complex at East of

Kailash, New Delhi wherein there are 14 executive flats
(four 3BHK flats, ten 2BHK flats) and one top executives/
guest house.
New residential premises at East of Kailash, New Delhi.

The construction of commercial cum residential complex

at (Tata Nagar) Jamshedpur was wherein there are 23
2-BHK flats.
New administrative cum residential building at Jamshedpur
95
2012-13
Projects under implementation

The construction of residential complex at Janakpuri, New

Delhi of your Bank is in the advanced stage of completion.
The construction of office building cum currency chest at

Varanasi is also nearing the completion.
The construction of Multi storey integrated office building

at Jaipur is in the advanced stage of completion.
The construction of BSVS at Ajmer, Banswada, Dungarpur,

Pratapgarh are also under implementation.
The construction of administrative and residential buildings

at New Raipur is under implementation.
The construction of residential cum commercial complex

at Indore (MP) is under implementation.
Future Plans for Estate Management

To facelift the Banks Building at Parliament Street, New

Delhi
To redevelop the Ram Nagar Premises at Coimbatore, to

have optimum utilisation of available space for Branch/
officers flats.
To construct an own building for Disaster Recovery Site at

Hyderabad.
To renovate the Bank of Baroda Institute of Information

Technology at Gandhinagar (Gujarat)
To undertake the redevelopment of Bhandup Staff Quarters

building, Mumbai, thereby to construct about 138 residential
flats for transferee Officers/ Executives.
To undertake the redevelopment of Jogeshwari Staff

Quarters, Mumbai, to construct a building for residential
and commercial use.
To construct a training centre at Bangalore.
To construct an Administrative Regional Office Building at

Faizabad.
To construct the BSVS at various centres across India as

per the directives from the Government of India.
Domestic Subsidiaries and Associates

The performance of Subsidiaries, Joint Venture & Associates
of Bank of Baroda was satisfactory during FY13.
The BOBCARDS Limited turned around during FY11 and
made profit during FY12 and FY13. The Company has focused
on all qualitative aspects of business development, which has
resulted in better profitability, quality card base and ME base.
The Company has introduced a range of Platinum Cards with
premium features like added privileges & offers. The Company
has drawn up aggressive plans for enlargement of Card &
Merchant Base.
96
The BOB Capital Markets Ltd. has been activated by recruiting

a professional team. The focus is on investment advisory
services, Debt & Equity Syndication and Capital market
activities. The Company commenced institutional broking
business and has also launched an Online Institutional Trading
Platform from October 2009. The Company commercially
launched an On-Line Retail Trading platform on July 20, 2012.
The nainital Bank Ltd. was promoted by Late Bharat
Ratna Pandit Govind Vallabh Pant and others and became
Associate Bank of Bank of Baroda in the year 1973. Today, the
shareholding of Bank of Baroda in Nainital Bank Ltd. is 98.57%
and is a subsidiary of the Bank. The State of Uttarakhand,
vide its communiqu dated August 3, 2012, has notified that
The Nainital Bank Limited be treated at par with other PSU
Banks. The Bank has initiated branch expansion initiatives
and has already established a Regional Office at Dehradun
and has aggressive plans to ramp up its scale of operations.
The Bank has launched e-stamping facility in 15 branches and
has initiated several new IT initiatives such as Mobile banking
& e-banking, etc.
Baroda Pioneer Asset Management Company Ltd. is a joint
venture with Pioneer Global Asset Management SpA and is
in its fifth year of operation. During the year under review, the
Company was able to strengthen its AUM significantly which
rose by 75.0% on year on year basis as of Mar13 and was
able to add one lakh folios despite weak sentiments prevailing
in Debt & Equity markets. The key to this growth was strong
focus on the institutional segment which helped the Company
grow its debts & money market products coupled with focus on
Systematic Investment Plans for retail investors. Several new
NFOs were launched during the year and two new channels
were added to take care of the third party products. The
Company has increased the number of investor servicing points
from 77 to 203 during the year under review.
indiaFirst Life insurance Company Ltd. is a joint venture
company with Andhra Bank and Legal & General Group, U.K.
It commenced its business operations on 16th November 2009
and has received an overwhelming response for its products
across the country. The Company has outperformed the industry
by having maximum year on year growth of 34.0%. The
Company was the 22nd entrant in the Life Insurance space &
has become the 8th largest player among private players within
a span of less than four years. The IndiaFirst has launched
MagicBoard, a one- of- its kind portable sales process tool.
The Company has won Model Insurer Award (Asia) for the 3rd
successive year.
india infradebt Ltd. is a joint venture company with ICICI
Bank Ltd., ICICI Home Finance Company Ltd., Citicorp
Finance (India) Ltd. and Life Insurance Corporation of India.
The Company was incorporated on Oct 31, 2012 in Mumbai
and has been issued registration certificate No. N-13.022039
dated 08.02.2013 by the RBI to operate as an infrastructure

Debt Fund Non Banking Financial Company (IDF-NBFC).
The Companys principal activity is to refinance part of the debt
liabilities of the project companies.
(` lakh)
Entity (with date of
registration)
Country
Owned
Funds
Total
Assets
BOB Capital Markets

Ltd., 11 Mar, 1996
India
13,591.17
15,018.28
596.79
30
BOBCARDS Ltd., 29
Sept, 1994
India
14,546.46
16,019.04 1,922.74
33
102
Baroda Pioneer Asset

Mgmt Co. Ltd., 5 Nov,
1992
India
1,749.46
2,525.75 -1,871.98
88
IndiaFirst Life Insurance

Co. Ltd., 19 June, 2008
India
37,586.92 4,19,621.90 -3,958.40
Nainital Bank Ltd., 31

July, 1922
India
40,065.36 4,31,808.79 5,106.10
India Infradebt Ltd.

31.10.2012
India
30,801.66
30,813.10
Net
Profit
801.66
Offices Staff
35 1,476
107
830
implementation of Official Language (OL) Policy

During the period under review, your Bank made significant
progress with regard to implementation of Official Language
policy and ensured compliance of various statutory requirements
of Official Language Act/Official Language Rules. Your Bank
could achieve all major targets set by the Government o India
under its Annual Implementation Programme and fulfilled the
assurances given to the Committee of Parliament on Official
Language.
In recognition of your Banks outstanding performance, the
Bank was awarded 1st prize in Indira Gandhi Rajbhasha Shield
by Shri Pranab Mukherjee, Honble President of India. Your
Banks in-House Hindi Magazine-Akshayam was also awarded
Second prize at the hands of Shri Pranab Mukherjee, Honble
President of India for the year FY12.
2012-13
1st prize for their outstanding performance by the Department

of Official Language, Government of India. Your Banks Zonal
Office at Pune, Regional office at Jodhpur and Zonal office at
Ahmedabad too got 1st, 2nd and 3rd prizes, respectively. Your
Banks in-House Hindi Magazine Akshayyam was awarded
with Gold Prize under Indian Language Publication category
by the ABCI and Apni Baat with silver prize under special
column (Language) category.
In addition to the above two magazines, a publication of your
Banks Hindi web Magazine Baroda Hindi.com has been
popularsing the use of Hindi language through technology.
The Hindi magazines are regularly published by different Town
Official Language Implementation Committees functioning
under your Banks convenorship.
The Town Official Language Implementation Committees
functioning under the convenorship of your Bank discharged
their responsibilities excellently. During the year, three newly
constituted Town Official Language Implementation Committees
started functioning at Jalandhar, Varanasi and Haldwani under
your Banks Convenorship and now your Bank is the Convenor
of nine Town Official Language Implementation Committees.
The Third Sub-Committee of Parliament on Official Language
visited your Banks branches at Jaisalmer, Vikas Nagar and
Rudraprayag and appreciated the efforts put in by the Bank in
the area of Official Language Implementation.
Your Bank was able to come out with a Programme to generate
and print pass books and account statements in Hindi at the
branches situated in linguistic regions A and B, through Finacle
System on the CBS platform.
During the year under review, your Bank started printing the
ATM slips in Hindi for the convenience of customers and
introduced a display of ATM screen in Gujarati and Marathi
languages in addition to Hindi and English. During the year,
Pragati online package was also developed for consolidation
of quarterly progress report regarding the use of Hindi and
online submission of Hindi reports.
During FY13, Hindi version of your Banks Book of Instructions
was uploaded on the Banks Intranet. During the year FY13,
your Bank published two books in Hindi namely Financial
Inclusion & Indian Languages and Samvaad for prorogating
the use of Hindi in the Indian banking industry.
Board of Directors
Releasing of a Hindi book Financial Inclusions and Indian

Languages and a CD containing the Hindi version of the eight
volumes of Book of Instructions.
During the year FY13, your Banks In-House Magazine

BOBMAITRI and Hindi magazine AKSHYAAM got 3rd prize
in the RBI Rajbhasha shield Competition. The Town Official
Language Implementation Committees functioning at Jaipur
and Baroda under your Banks convenorship were awarded
Shri S. S. Mundra appointed as the Chairman and

Managing Director of the Bank w.e.f. 21.01.2013 by the
Central Government u/s 9 (3) (a) of The Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970 to hold
the office till 31.07.2014 i.e. the date of his superannuation
or until further orders, whichever is earlier.
Shri P. Srinivas appointed as a Whole Time Director
(designated as Executive Director) w.e.f. 18.06.2012 by
the Central Government u/s 9 (3) (a) of The Banking
Act, 1970, to hold office up to 30.06.2016 i.e. the date of
his superannuation or until further orders, whichever is earlier.
97
2012-13
Shri Sudhir Kumar Jain appointed as a Whole Time Director

(designated as Executive Director) w.e.f. 18.06.2012 by the
(Acquisition and Transfer of Undertakings) Act, 1970 for a
period of five years, or until further orders, whichever is earlier.
Shri Ranjan Dhawan appointed as a Whole Time Director
(designated as Executive Director) w.e.f. 01.11.2012 by The
(Acquisition and Transfer of Undertakings) Act, 1970, to hold
office up to 30.09.2015 i.e. the date of his superannuation or
until further orders, whichever is earlier.
Shri n. S. Srinath, a Whole Time Director (designated as
Executive Director) ceased to be a Director with effect from
01.06.2012 on completion of his term.
Dr. (Smt.) Masarrat Shahid, a part time non- official
Director ceased to be a Director with effect from 29.10.2012
on completion of her term.
Shri Rajiv Kumar Bakshi , a Whole Time Director (designated
as Executive Director), ceased to be a Director with effect from
01.11.2012 on completion of his term.
Shri M. D. Mallya, Chairman and Managing Director, ceased
to be a Director with effect from 01.12.2012 on completion of
his term.
Directors Responsibility Statement

The Directors confirm that in the preparation of the annual
accounts for the year ended March 31, 2013:

The applicable accounting standards have been followed

along with proper explanation relating to material
departures, if any;
The accounting policies framed in accordance with the

guidelines of the Reserve Bank of India, were consistently
applied.
98
Reasonable and prudent judgment and estimates were

made so as to give true and fair view of the state of affairs
of your Bank at the end of financial year and of the profit
of your Bank for the year ended on March 31, 2013;
Proper and sufficient care was taken for the maintenance of

adequate accounting records in accordance with the provisions
of the applicable laws governing banks in India; and
The accounts have been prepared on a going concern

basis.
Acknowledgement
The Directors express their sincere thanks to the Government
of India, Reserve Bank of India, Securities and Exchange
Board of India, other regulatory authorities, various financial
institutions, banks and correspondents in India and abroad for
their valuable guidance and support.
The Directors acknowledge with appreciation the assistance
and cooperation extended by all stakeholders of your Bank like
customers, shareholders and well wishers in India and abroad.
The Directors place on record deep appreciation for the hard
work and dedication of the members of your Banks staff at
different levels, which enabled your Bank to record high quality,
consistent growth year after year despite economic challenges
and consolidate its position as one of the premier banks in the
country.
For and on behalf of the Board of Directors,
S. S. Mundra
2012-13
keeHeexjs ieJeveXme efjHees& 2012-13
Report on Corporate Governance 2012-13

1.
1.
ieJeveXme mebefnlee kes yeejs ceW yeQke kee oMe&ve

yeQke, Glke=lee heehle kejves nsleg mebmeeOeveeW kes Flece Gheeesie kes meeLe
DeefOekelece heefleHeue heehle kejves leLee meYeer mlejeW hej keee&efve<heeove
megefveeqele kejles ngS, MesejOeejkeeW kes efnleeW keer j#ee kejles ngS leLee Gvekes
cetueeW ceW DeefYeJe=ef kes efueS Deheves melele heeeme peejer jKesiee. yeQke ve kesJeue
meebefJeefOeke DeeJeMekeleeDeeW kee Devegheeueve kejsiee yeequke mJesehetJe&ke ke[er
keeheexjs ieJeveXme heefleeeW kees efve<heeefole kejles ngS Gvekee heeueve Yeer kejsiee.
yeQke heleske #es$e ceW Glke=lee neefmeue kejves kes efueS vewefleke cetueeW kes Ge
ceevekeeW, heejoe|Melee leLee, DevegMeeefmele eqkeesCe Deheveeves ceW efJeeeme jKelee
nw. yeQke Glke= Debleje&êre ceeveoC[eW kes Devegheeueve kes heefle Yeer heefleye
nw. yeQke Deheves meYeer efnleOeejkeeW, efpemeceW MesejOeejke, ieenke, mejkeej
Deewj Jeeheke leewj hej pevelee Yeer Meeefceue nw, kees DeefOekelece ueeYe hengbeeves
kes efueS meIeve heeeme kejlee jnsiee.
The Bank is a listed entity, which is not a company

but body corporate under The Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970
and is regulated by Reserve Bank of India. Therefore
the Bank shall comply with the provisions of Clause
49 of the Listing Agreement entered into with Stock
Exchanges to the extent it does not violate the provisions
of The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 and the Guidelines issued by
Reserve Bank of India in this regard.
yeQke Ske meteerye efvekeee nw, pees Ske kecheveer veneR nw, Deefheleg yeQkekeejer
kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 DeLee&led
yeQkekeejer kebheveer Depe&ve DeefOeefveece kes lenle efvekeee keeheexjs nw leLee
Yeejleere efj]peJe& yeQke eje efJeefveeefcele neslee nw, Dele meke SkemeeWpees kes
meeLe efkeS ieS meteereve kejej kes mebMeesefOele GheKeC[ 49 kes heeJeOeeveeW kee
Gme meercee leke heeueve kejsiee, peneb leke yeQkekeejer kebheveer (GheeceeW kee
Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 kes heeJeOeeveeW Deewj Fme mebyebOe ceW
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kee GuuebIeve veneR neslee nw.
2.
2.
efveosMeke ceb[ue kee ie"ve yeQeEkeie efJeefveece DeefOeefveece 1949, yeQeEkeie

kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 eLee
mebMeesefOele leLee jeêreke=le yeQke (heyebOeve SJeb efJeefJeOe heeJeOeeve)
eespevee 1970 (eLee mebMeesefOele) kes heeJeOeeveeW eje Meeefmele neslee nw.
BOARD OF DiRECTORS
2.1 Composition of the Board
The composition of Board of Directors of the Bank
is governed by the provisions of The Banking
Regulation Act, 1949, The Banking Companies
(Acquisition & Transfer of Undertakings) Act,
1970, as amended and The Nationalized Banks
(Management & Miscellaneous Provisions) Scheme,
1970, as amended.
31 ceee& 2013 keer eqmLeefle kes Deveghe efveosMeke ceC[ue kee mJehe
efvecveevegmeej nw:
The composition of Board of Directors of the Bank as

on 31st March, 2013 is as under:
efveosMeke ceb[ue
2.1 efveosMeke ceb[ue kee mJehe
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
BAnKS PhiLOSOPhY On CODE OF GOVERnAnCE

The Bank shall continue its endeavor to enhance its
shareholders value by protecting their interest by
ensuring performance at all levels and maximizing
returns with optimal use of resources in its pursuit of
excellence. The Bank shall comply with not only the
statutory requirements, but also voluntarily formulate
and adhere to a set of strong Corporate Governance
practices. The Bank believes in setting high standards of
ethical values, transparency and a disciplined approach
to achieve excellence in all its sphere of activities. The
Bank is also committed to follow the best international
practices. The Bank shall strive hard to best serve the
interests of its stakeholders comprising shareholders,
customers, Government and society at large.
31.3.2013 kees
yeQke keer
yeQke kes DeueeJee Deve Deve kebHeefveeeW kes yees[& keer
yeQke Dee]@He ye[ewoe kes GHe-meefceefleeeW keer kebHeefveeeW ceW efveosMeke kes GHe -meefceefleeeW ceW meomelee/
DeOe#elee keer mebKee
Oeeefjle MesejeW keer meomelee keer mebKee He ceW mesJeeSb mebKee
No. of
No. of Director- No. of Membership/
mebKee
membership held in other Chairmanship held
No. of equity
in Sub Committees
shares of the ship in Sub Companies i.e.
of the Board in
-Committees
Other
than
the
Bank held as
other Companies
Bank
on 31.3.2013 of the Bank
eer Sme.Sme. cetbo[e

Shri S. S.
Mundra
DeOe#e SJeb heyebOe

efveosMeke (keee&heeueke)
Chairman
and Managing
Director
(Executive)
510
efHHeefCeeeb (yeQke SJeb Deve kebHeefveeeW, efpeveceW Jes meome nQ,

ceW efveegefkele kee mJeHe
(31.03.2013 kees)
Remarks (Nature of appointment in the

Bank / other Companies)
(As on 31.03.2013)
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece 1970

keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 21.01. 2013 mes yeQke
kes DeOe#e SJeb heyevOe efveosMeke kes he ceW efveege. Jes 31.07.2014
leke DeLee&le Deheveer DeefOeJee|<elee keer leejerKe leke DeLeJee Deeieeceer
DeeosMeeW leke, pees Yeer henues nes, Deheves heo hej jnWies.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ(i) Yeejleere efveee&le Deeeele yeQke
(ii) yee@ye kee[dme& efueefces[ (DeOe#e)
Jes Yeejleere efveee&le Deeeele yeQke kes efveosMeke ceC[ue keer uesKee meefceefle
leLee heyevOe meefceefle kes Yeer meome nQ.
99

ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
2012-13
31.3.2013 kees
yeQke keer
No. of
mebKee
No. of equity
ship
in Sub Companies i.e. in Sub Committees
shares of the
of the Board in
Bank held as -Committees Other than the
other Companies
Bank

(31.03.2013 kees)

(As on 31.03.2013)
Appointed as the Chairman and Managing

Director of the Bank w.e.f. 21.01.2013 by
the Central Government u/s 9 (3) (a) of The
Banking Companies (Acquisition and Transfer
of Undertakings) Act, 1970 to hold the office till
31.07.2014 i.e. the date of his superannuation or
He is also Director on the Board of :
(i) Export Import Bank of India
(ii) BOBCARDS Ltd (Chairman)
He is also a member of the Management
Committee and Audit Committee of the Board
of Export Import Bank of India
Shri P. Srinivas
(keee&heeueke)
Metve
10
NIL
Metve
NIL
Executive
Director
(Executive)

keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 18.06. 2012 mes
hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes
he ceW efveege. Jes 30.06.2016 leke DeLee&le Deheveer DeefOeJee|<elee keer
leejerKe leke DeLeJee Deeieeceer DeeosMeeW leke, FveceW mes pees Yeer henues
nes, leke Deheves heo hej jnWies. Jes efvecveefueefKele efveosMeke ceC[ueeW ceW
Yeer efveosMeke nQ(i) yeQke Dee@He ye[ewoe iegeevee DeeF&Svemeer (DeOe#e)
(ii) yeQke Dee@He ye[ewoe (ef$eefveoeo SJeb esyesiees) efueefces[ (DeOe#e)
(iii) Fbef[ee Hem& ueeF&He FbMeesjWme keb. efue.
Appointed as a Whole Time Director

(designated as Executive Director) w.e.f.
18.06.2012 by the Central Government u/s 9
(3) (a) of The Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970, to
hold office up to 30.06.2016 i.e. the date of
his superannuation or until further orders,
whichever is earlier.
(i) Bank of Baroda Guyana Inc
(Chairman)
(ii) Bank of Baroda (Trinidad &
Tobago) Ltd. (Chairman)
(iii) IndiaFirst Life Insurance Co. Ltd
3

Shri Sudhir
Kumar Jain
(keee&heeueke)
Executive
Director
(Executive)
Metve
NIL
10
Metve
NIL

hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes
he ceW efveege. Jes heebe Je<e& keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW leke,
FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ(i) yeQke Dee@He ye[ewoe (Ieevee) efue. (DeOe#e)
(ii) yeQke Dee@He ye[ewoe (yeeslmJeevee) efueefces[ (DeOe#e)
(iii) Yeejleere jeêre Yegieleeve efveiece efueefces[ (Sve heer meerDeeF&)

and Transfer of Undertakings) Act, 1970 for
a period of five years, or until further orders,
(i) Bank of Baroda (Ghana) Ltd.
(Chairman)
(ii) Bank of Baroda (Botswana) Ltd (Chairman)
(iii) National Payments Corporation of India
Ltd (NPCI)
100
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
31.3.2013 kees
yeQke keer
No. of
mebKee

(31.03.2013 kees)

(As on 31.03.2013)

No. of equity
in Sub Committees
of the Board in
other Companies
Bank
eer jbpeve OeJeve

Shri Ranjan
Dhawan
(keee&heeueke)
Metve
10
NIL
Metve
NIL
Executive
Director
(Executive)
2012-13

hetCe&keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes
he ceW efveege. Jes 30.09.2015 leke DeLee&le Deheveer DeefOeJee|<elee keer
leejerKe leke DeLeJee Deeieeceer DeeosMeeW leke, FveceW mes pees Yeer henues nes,
leke Deheves heo hej jnWies.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ- (i) yee@ye
kewefheue ceekex efueefces[ (DeOe#e)
and Transfer of Undertakings) Act, 1970, to
hold office up to 30.09.2015 i.e. the date of
his superannuation or until further orders,
He is also a Director on the Board of :
(i) BOB Capital Markets Ltd (Chairman)
eer Deeueeske efveiece,

DeeF&SSme
efveosMeke (iewj
keee&heeueke) kesvere
mejkeej kes heefleefveefOe
Metve
NIL
Metve
NIL
Shri Alok Nigam,

Director
IAS
(Non- Executive)
Representing
Central
Government
yeQkekeejer kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970

keer Oeeje 9(3) (yeer) kes lenle kesv mejkeej eje 09.12. 2009
keer heYeeJeer leejerKe mes veeefcele. Jes Deeieeceer DeeosMeeW leke Deheves heo
hej jnWies.
Jes efvecveefueefKele efveosMeke ceb[ueeW ceW Yeer efveosMeke nQ (i) efJeeere Deeeqmle kee heefleYeteflekejCe Deewj hegvemejevee SJeb
heefleYetefle efnle heJele&ve DeefOeefveece 2002 (meerF&DeejSmeSDeeF&)
kes lenle meWûe jefpemêr
Nominated as a Director w.e.f. 09.12.2009 by
The Central Government u/s 9 (3) (b) of The
of Undertakings) Act, 1970 to hold the post
until further orders.
He is also a Director on the Board of :
(i)
Central Registry under The Securitisation

and Reconstruction of Financial Assets
& Enforcement of Security Interest Act
2002 (CERSAI)
eer megoMe&ve mesve

Shri Sudarshan
Sen
efveosMeke (iewj
keee&heeueke) Yeejleere
efj]peJe& yeQke eje
mebmlegle
Director (Non
Executive)
Recommended
by RBI
Metve
NIL
Metve
Metve
NIL
NIL

keer Oeeje 9(3) (meer) kes lenle kesv mejkeej eje 30.05. 2011
keer heYeeJeer leejerKe mes veeefcele. Jes Deeieeceer DeeosMeeW leke Fveces pees Yeer
henues nes, Deheves heo hej jnWies.
Nominated as a Director w.e.f. 30.05.2011 by
the Central Government u/s 9 (3) (c) of The
of Undertakings) Act, 1970 to hold the post
until further orders.
101
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
2012-13
31.3.2013 kees
yeQke keer
No. of
mebKee
No. of equity
in Sub Committees
of the Board in
other Companies
Bank
eer efJeefveue kegceej mekemesvee efveosMeke (iewj

Shri Vinil Kumar keee&heeueke)
kece&eeefjeeW kes
Saxena
heefleefveefOe
620
Metve
Metve
NIL
NIL
Director
(Non
Executive)
Representing
Workmen
eer Jeer.yeer. eJneCe

Shri V. B.
Chavan
efveosMeke (iewj
keee&heeueke)
DeefOekeejer kece&eeefjeeW
kes heefleefveefOe
eer Depee ceeLegj

Shri Ajay Mathur
efveosMeke (iewj
keee&heeueke)

(As on 31.03.2013)

keer Oeeje 9(3) (F&) kes lenle kesv mejkeej eje 25.07. 2011 keer
heYeeJeer leejerKe mes Jeke&cewve kece&eejer efveosMeke kes he ceW efveege.
Jes leerve Je<e& keer DeJeefOe kes efueS ee yeQke Dee@]He ye[ewoe kes Jeke&cesve
kece&eejer jnves Deeieeceer DeeosMeeW leke Fveces pees Yeer henues nes, Deheves
heo hej jnWies.
Appointed as a Workmen Employee Director
w.e.f.25.07.2011 by the Central Government
u/s 9 (3) (e) of the Banking Companies
(Acquisition and Transfer of Undertakings)
Act, 1970 for a period of three years or till
he ceases to be workmen employee of Bank
of Baroda or until further orders, whichever
is earlier.
490
Metve
Metve
Metve
NIL
NIL
NIL
Director (Non
Executive )
Representing
Officer
Employees

(31.03.2013 kees)

keer Oeeje 9(3) (SHe) kes lenle Yeejle mejkeej eje 11.03. 2011
keer heYeeJeer leejerKe mes veeefcele. Jes leerve Je<eeX keer DeJeefOe kes efueS
DeLeJee yeQke Dee@]He ye[ewoe ceW DeefOekeejer jnves DeLeJee Deeieeceer DeeosMeeW
leke, FveceW mes pees Yeer henues nes, Deheves heo hej jnWies.
Nominated as Officer Employee Director w.e.f.
(3) (f) of The Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 for
a period of three years or till he ceases to
be officer of Bank of Baroda or until further
orders, whichever is earlier.
200
Metve
Metve
NIL
NIL
Director ( Non
Executive )
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece,

1970 keer Oeeje 9(3) (peer) kes lenle Yeejle mejkeej eje 05.05.
2010 mes leerve Je<eeX keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW leke, FveceW
mes pees Yeer henues nes, DebMekeeefueke DeMeemekeere efveosMeke kes he ceW
veeefcele.
Nominated as a part time non- official
Director w.e.f. 05.05.2010 by the Government
of India u/s 9 (3) (g) of The Banking Companies
Act, 1970 for a period of three years or until
further orders, whichever is earlier.
10
Shri Satya Dev
efveosMeke (iewj
keee&heeueke)
Tripathi
Director ( Non
eer mele osJe ef$ehee"er
Executive )
Metve
NIL
Metve
Metve
NIL
NIL

1970 keer Oeeje 9(3) (Se) leLee (3-S) kes lenle Yeejle mejkeej
eje 31.08.2010 mes leerve Je<eeX keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW
leke, FveceW mes pees Yeer henues nes, DebMekeeefueke DeMeemekeere efveosMeke
kes he ceW veeefcele.
Nominated as a part time non- official
Director w.e.f. 31.08.2010 by the Government
of India u/s 9 (3) (h) & (3-A) of The Banking
Companies (Acquisition and Transfer of
Undertakings) Act, 1970 for a period of three
years or until further orders, whichever is
earlier.
102
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
11
31.3.2013 kees
yeQke keer
No. of Membership/
No.
of
No.
of
DirectormebKee
125
Metve
Metve
NIL
NIL
Director

(As on 31.03.2013)
Elected from
amongst
Shareholders,
other than
Central
Government
eer megjsv eEmen Yeb[ejer

Shri Surendra
Singh
Bhandari
efveosMeke (iewj
keee&heeueke) kesv
mejkeej mes efYeVe
MesejOeejkeeW ceW mes
efveJee&efele
Director
(Non Executive)
Elected from
amongst
Shareholders,
other than
Central
Government

1970 keer Oeeje 9(3) (DeeF&) kes lenle 23.12. 2011 kees Deeeesefpele
F&peerSce ceW yeQke kes kesv mejkeej mes efYeVe Mesej OeejkeeW eje
24.12. 2011 mes 23.12.2014 leke 3 Je<e& kes efueS hegve: efveJee&efele,
efveJee&efele nesves mes henues 24.12. 2008 mes 23.12.2011 leke Jes yeQke
kes Mesej Oeejke efveosMeke Yeer Les.
Re-Elected as a Director by shareholders of

the Bank other than the Central Government
u/s 9 (3) (i) of The Banking Companies
Act, 1970 at the Extra Ordinary General
Meeting held on 23.12.2011 for a period of 3
years from 24.12.2011 to 23.12.2014.
Prior to his re-election, he was also a
shareholder director of the Bank from
24.12.2008 to 23.12.2011.
(Non Executive)
12

(31.03.2013 kees)

No. of equity
in Sub Committees
of the Board in
other Companies
of
the
Bank
Bank
on 31.3.2013
eer ceewefueve DejeEJeo Jew<CeJe efveosMeke (iewj

keee&heeueke) kesv
Shri Maulin
Arvind Vaishnav mejkeej mes efYeVe
efveJee&efele
2012-13
200

keer Oeeje 9(3) (DeeF&) kes lenle 23.12.2011 kees Deeeesefpele F&peerSce
ceW yeQke kes kesv mejkeej mes efYeVe Mesej OeejkeeW eje 24.12.2011 mes
23.12.2014 leke 3 Je<e& kes efueS efveJee&efele. Jes efvecveefueefKele efveosMeke
ceC[ueeW ceW Yeer efveosMeke nQ:
(i) JewYeJe iueesyeue efue. (ii) SefMeeve nesume (Jesm) efueefces[
(iii) SefMeeve nesume (F&m) efueefces[
Jes JewYeJe iueesyeue efueefce s[ keer uesKee hejer#ee meefceefle, heeefjeefceke
meefceefle, #eeflehete|le meefceefle Deewj Mesej OeejkeeW / efveJesMekeeW keer
efMekeeele efveJeejCe meefceefle kes Yeer meome nQ. Jes SefMeeve nesume
(Jesm) efueefces[ keer uesKee hejer#ee meefceefle kes Yeer meome nQ. Jes SefMeeve
nesume (F&m) efueefces[ keer uesKee hejer#ee meefceefle kes Yeer meome nQ.
Elected as a Director by shareholders of the Bank
other than the Central Government u/s 9 (3) (i)
of The Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970 at the Extra
Ordinary General Meeting held on 23.12.2011 for
a period of 3 years from 24.12.2011 to 23.12.2014.
He is also a Director on the Board of
(i)
Vaibhav Global Ltd.
(ii) Asian Hotels (West) Ltd.

(iii) Asian Hotels (East) Ltd.
He is also member of Audit Committee,
Remuneration Committee, Compensation
Committee and Shareholders/ Investor Grievances
Committee of Vaibhav Global Ltd.
He is also member of Audit Committee and
Remuneration Committee of Asian Hotels (West) Ltd.
Remuneration Committee of Asian Hotels (East) Ltd.
103
ece meb.
veece
Name
Heoveece
Position Held
Sr.
No.
13
31.3.2013 kees
yeQke keer
No. of Membership/
No.
of
No.
of
DirectormebKee
No. of equity
in Sub Committees
of the Board in
other Companies
of
the
Bank
Bank
on 31.3.2013
eer jepeerye mesKej meent

Shri Rajib
Sekhar
Sahoo
efveosMeke (iewj
keee&heeueke) kesv
mejkeej mes efYeVe
efveJee&efele
Director
(Non Executive)
Elected from
amongst
Shareholders,
other than
Central
Government
104
2012-13
200

(31.03.2013 kees)

(As on 31.03.2013)
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece

1970 keer Oeeje 9(3) (DeeF&) kes lenle 23.12. 2011 kees Deeeesefpele
F&peerSce ceW yeQke kes kesv mejkeej mes efYeVe Mesej OeejkeeW eje
24.12. 2011 mes 23.12.2014 leke 3 Je<e& kes efueS efveJee&efele.
Jes efvecveefueefKele efveosMeke ceC[ueeW ceW Yeer efveosMeke nQ:
(i) Sveerheermeer efue.
(ii) efnjer neF&[ês [sJeueheceW keeheexjsMeve Fbef[ee efue.
(iii) efnvogmleeve eEpeke efue.
Jes Sveerheermeer efue. keer uesKee hejer#ee meefceefle, keeseuee Deeeele veerefle
keer meceer#ee meefceefle, heyevOeve efveeb$eCe meefceefle leLee efJeosMeer efJeefvecee
peesefKece heyevOeve meefceefle kes Yeer meome nQ.
Jes erSe[ermeer Fbef[ee efue. keer uesKee hejer#ee meefceefle Deewj heeefjeefceke
meefceefle kes Yeer meome nQ.
Elected as a Director by shareholders of the
Bank other than the Central Government u/s 9
(3) (i) of The Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 at
the Extra Ordinary General Meeting held
on 23.12.2011 for a period of 3 years from
24.12.2011 to 23.12.2014.
He is also a Director on the Board of
(i) NTPC Ltd.
(ii) Tehri Hydro. Development Corporation
India Ltd. (THDC)
(iii) Hindustan Zinc Ltd.
He is also member of Audit Committee,
Review of Coal import policy committee,
Committee on Management Controls and
Foreign Exchange Risk Management
Committee of NTPC Ltd.
Remuneration Committee of THDC India Ltd.
2012-13
2.2 Appointment / Cessation of Directors During The Year
2.2 Je<e& kes oewjeve efveosMekeeW keer efveegefkele / keee&meceeefHle

eer Sme.Sme.cetbo[e : yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece 1970 keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 21.01.2013
mes yeQke kes DeOe#e SJeb heyevOe efveosMeke kes he ceW efveege. Jes 31.07.2014 leke
DeLee&le Deheveer DeefOeJee|<elee keer leejerKe DeLeJee Deeieeceer DeeosMeeW leke, pees Yeer
henues nes, Deheves heo hej jnWies.
Shri S. S. Mundra appointed as the Chairman and

Managing Director of the Bank w.e.f. 21.01.2013 by
Act, 1970 to hold the office till 31.07.2014 i.e. the date
of his superannuation or until further orders, whichever is
earlier.
eer efhe.eerefveJeeme : yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)

mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes he ceW
efveege. Jes 30.06.2016 leke DeLee&le Deheveer DeefOeJee|<elee keer leejerKe leke DeLeJee
Deeieeceer DeeosMeeW, FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies.
Shri P. Srinivas appointed as a Whole Time Director

(designated as Executive Director) w.e.f. 18.06.2012 by
Act, 1970, to hold office up to 30.06.2016 i.e. the date of
his superannuation or until further orders, whichever is
earlier.
eer megOeerj kegceej pewve : yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
mes hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes he ceW
efveege. Jes heebe Je<e& keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW, FveceW mes pees Yeer henues
nes, leke Deheves heo hej jnWies.
Shri Sudhir Kumar Jain appointed as a Whole Time

Director (designated as Executive Director) w.e.f.
18.06.2012 by the Central Government u/s 9 (3) (a) of
The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 for a period of five years, or
eer jbpeve OeJeve : yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece
1970 keer Oeeje 9(3) (S) kes lenle kesv mejkeej eje 01.11.2012 mes hetCe&
keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW veeefcele) kes he ceW efveege.
Jes 30.09.2015 leke DeLee&le Deheveer DeefOeJee|<elee keer leejerKe DeLeJee Deeieeceer
DeeosMeeW leke, FveceW mes pees Yeer henues nes, leke Deheves heo hej jnWies.
Shri Ranjan Dhawan appointed as a Whole Time

Director
01.11.2012 by The Central Government u/s 9 (3) (a)
of The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970,to hold office up to 30.09.2015
i.e. the date of his superannuation or until further orders,
eer Sve.Sme.eerveeLe, hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW

veeefcele), 01.06.2012 mess keee&keeue meceehle nesves kes keejCe efveosMeke kes he ceW
veneR jns.
Shri N. S. Srinath , a Whole Time Director (designated

as Executive Director) ceased to be a Director with effect
from 01.06.2012 on completion of his term.
[e@. (eerceleer) cemej&le Meeefno, DebMekeeefueke DeMeemekeere efveosMeke, 29.10.2012

mess keee&keeue meceehle nesves kes keejCe efveosMeke kes he ceW veneR jneR.
Dr. (Smt.) Masarrat Shahid, a part time non- official

Director ceased to be a Director with effect from
29.10.2012 on completion of her term.
eer jepeerJe kegceej ye#eer, hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke kes he ceW
veeefcele), 01.11.2012 mess keee&keeue meceehle nesves kes keejCe efveosMeke kes he
ceW veneR jns.
Shri Rajiv Kumar Bakshi , a Whole Time Director

(designated as Executive Director), ceased to be a
Director with effect from 01.11.2012 on completion of his
term.
eer Sce.[er.ceuee, DeOe#e SJeb heyevOe efveosMeke, 01.12.2012 mes keee&keeue

meceehle nesves kes keejCe efveosMeke kes he ceW veneR jns.
Shri M. D. Mallya, Chairman and Managing Director,

ceased to be a Director with effect from 01.12.2012 on
completion of his term.
2.3 efveosMeke ceb[ue keer yew"keW
2.3 Board Meetings
efJeeere Je<e& 2012-13 kes oewjeve efveosMeke ceC[ue keer -17- yew"keW efvecveevegmeej
Deeeesefpele keer ieF&, peyeefke jeêreke=le yeQke (heyevOeve SJeb efJeefJeOe heeJeOeeve)
eespevee 1970 kes KeC[ 12 kes Debleie&le efveOee&efjle vetvelece -6- yew"keW Deeeesefpele
kejvee DeefveJeee& nw.
During the Financial Year 2012-13, total - 17 - Board

Meetings were held on the following dates as against
minimum of -6- meetings prescribed under Clause
12 of The Nationalized Banks (Management and
Miscellaneous Provisions) Scheme, 1970.
13.04.2012
03.05.2012
04.05.2012
15.05.2012
30.05.2012
28.06.2012
20.07.2012
30.07.2012
30.08.2012
28.09.2012
21.10.2012
22.10.2012
29.11.2012
24.12.2012
03.02.2013
04.02.2013
02.03.2013
105
2012-13
efveosMeke ceb[ue keer Gheeg&e yew"keeW ceW efveosMekeeW keer GheeqmLeefle kee yeewje efvecveevegmeej
nw, pees Gvekes keee&keeue mes mebye nw:
efveosMeke kee veece
The details of attendance of the Directors at the aforesaid

Board Meetings held during their respective tenure are as
under :
Name of the Director
DeJeefOe
Period
Gvekes keee&keeue kes oewjeve

Deeeesefpele yew"keW
yew"keW efpeveceW
Yeeie efueee
13
13
Meetings Held
During Their Tenure
eer Sce.[er.ceuee
eer Sme.Sme.cetbo[e
eer jepeerJe kegceej ye#eer
eer Sve.Sme.eerveeLe
eer jbpeve OeJeve
eer Deeueeske efveiece
eer megoMe&ve mesve
eer efJeefveue kegceej mekemesvee
eer Jeer.yeer.eJneCe
eer Depee ceeLegj
[e@.(eerceleer) cemej&le Meeefno
eer ceewefueve DejefJevo Jew<CeJe
eer megjsv Sme.YeC[ejer
Shri M. D. Mallya
01.04.2012 to 30.11.2012
Shri S. S. Mundra
21.01.2013 to 31.03.2013
Shri Rajiv Kumar Bakshi
01.04.2012 to 31.10.2012
12
12
Shri N. S. Srinath
01.04.2012 to 31.05.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
12
12
Shri Sudhir Kumar Jain
18.06.2012 to 31.03.2013
12
10
Shri Ranjan Dhawan
01.11.2012 to 31.03.2013
Shri Alok Nigam
01.04.2012 to 31.03.2013
17
Shri Sudarshan Sen
01.04.2012 to 31.03.2013
17
14
Shri Vinil Kumar Saxena
01.04.2012 to 31.03.2013
17
17
Shri V. B. Chavan
01.04.2012 to 31.03.2013
17
17
Shri Ajay Mathur
01.04.2012 to 31.03.2013
17
16
Dr. (Smt.) Masarrat Shahid
01.04.2012 to 28.10.2012
12
12
Shri Satya Dev Tripathi
01.04.2012 to 31.03.2013
17
17
Shri Maulin Arvind Vaishnav
01.04.2012 to 31.03.2013
17
16
Shri Surendra S. Bhandari
01.04.2012 to 31.03.2013
17
16
Shri Rajib Sekhar Sahoo
01.04.2012 to 31.03.2013
17
17
2.4 Deeeej mebefnlee

efveosMeke ceC[ue leLee Jeefj heyevOeve keee|ceke kees DeLee&le keesj heyevOeve
erce, efpemeceW meYeer ceneheyevOeke leLee efJeYeeie hecegKe Meeefceue nQ, kes efueS me@
ke SkemeeWpeeW kes meeLe meteeryelee kejej kes KeC[ 49 keer Devegheeuevee ceW,
Deeeej mebefnlee efveosMeke ceC[ue eje Devegceesefole kej oer ieF& nw. Ge Deeeej
mebeqnlee yeQke keer yesyemeeF& www.bankofbaroda.com hej Yeer
osKeer pee mekeleer nw. efveosMeke ceC[ue kes meYeer meomeeW leLee Jeefj heyevOeve
keee|cekeeW ves Deeeej mebefnlee kes Devegheeueve kes hegef< kej oer nw.
3.
Meetings
Attended
Jeee|<eke meeceeve yew"ke

yeQke kes Mesej OeejkeeW keer Jeee|<eke meeceeve yew"ke Je[esoje ceW iegJeej, 28
petve, 2012 kees ngF& Leer, efpemeceW efvecve efueefKele efveosMeke GheeqmLele Les.
2.4 Code of Conduct:

The Code of Conduct for Board of Directors and Senior
Management Personnel i.e. Core Management Team
comprising all General Managers and Departmental
Heads, has been approved by the Board of Directors
in compliance of Clause 49 of the Listing Agreement
with Stock Exchanges. The said Code of Conduct is
posted on Banks website www.bankofbaroda.com. All
the Board Members and Senior Management Personnel
have since affirmed the compliance of the Code.
3.
AnnUAL GEnERAL MEETinG

The Annual General Meeting of the shareholders of
the Bank was held on Thursday, 28th June, 2012 at
Vadodara, where the following Directors were present.
1. eer Sce.[erceuee
2. eer jepeerJe kegceej ye#eer
3. eer efhe.eerefveJeeme
Shri M. D. Mallya
DeOe#e SJeb heyevOe efveosMeke

Shri P. Srinivas
Executive Director
Executive Director
4.
5.
6.
7.
8.
9.
Shri Sudarshan Sen

Shri V B Chavan
Shri Ajay Mathur
efveosMeke
efveosMeke
efveosMeke
efveosMeke (DeOe#e Smeeryeer)
efveosMeke
efveosMeke
Director
Director
Director
Director (Chairman ACB)
Director
Director

Shri S. S. Bhandari
efveosMeke Mesej OeejkeeW kes heefleefveefOe Director - Representing Shareholders

eer megoMe&ve mesve

eer Depee ceeLegj
10. eer ceewefueve DejefJevo Jew<CeJe

11. eer Sme.Sme. YeC[ejer
12. eer jepeerye mesKej meent
106

4.
efveosMekeeW/keee&heeuekeeW keer meefceefle

yeQke kes efveosMeke ceC[ue ves keeheexjs ieJeveXme leLee peesefKece heyevOeve heCeeueer
hej Yeejleere efjpeJe& yeQke / mesyeer / Yeejle mejkeej kes efoMeeefveoxMeevegmeej
efvecveevegmeej keee&veerefle kes cenJehetCe& #es$eeW hej efveiejeveer jKeves nsleg efveosMekeeW
Deewj/ee keee&heeuekeeW keer efJeefYeVe meefceefleeeW kee ie"ve efkeee nw. efveosMeke
ceC[ue eje ieef"le cenJehetCe& meefceefleeeB efvecveevegmeej nQ:
l
efveosMeke ceC[ue keer heyevOeve meefceefle (Scemeeryeer)
l
efveosMeke ceC[ue keer $e+Ce Devegceesove meefceefle (meerSmeeryeer)
l
yees[& keer uesKee hejer#ee meefceefle (Smeeryeer)
l
Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe meefceefle (meerSmeeryeer)
l
Mesej/ yeeb[ DeblejCe meefceefle
l
yees[& keer Deeeqmle oselee heyevOeve leLee peesefKece heyevOeve Ghemeefceefle
l
ieenke mesJee meefceefle
l
heeefjeefceke meefceefle
l
veeceebkeve meefceefle
l
efveosMekeeW keer meefceefle
l
ye[er jeefMe keer OeesKeeOe[er mecyevOeer meefceefle
l
efveosMeke ceC[ue keer metevee heeweesefiekeer keee&veerefle mecyevOeer meefceefle
l
efveosMeke ceC[ue keer ceeveJe mebmeeOeve mecyevOeer mebeeueve mecyevOeer
meefceefle
l
Jemetueer efveiejeveer meefceefle
l
Mesej Oeejke efveosMekeeW kes egveeJe kes efueS heefleYeeefieees kees meceLe&ve
osves mebyebOeer meefceefle

4.1 efveosMeke ceb[ue keer heyebOeve meefceefle (Scemeeryeer)
yees[& keer heyevOeve meefceefle kee ie"ve efJee ceb$eeuee, Yeejle mejkeej eje
efkeS ieS mebMeesOeveeW kes meeLe heef"le jeêreke=le yeQke (heyevOeve SJeb efJeefJeOe
heeJeOeeve) eespevee, 1970 (eLee mebMeesefOele) kes KeC[ 13 kes DevegmejCe ceW
efkeee ieee nw pees DeleefOeke cenJehetCe& keejesyeejer ceeceues leLee DeefOeke
jeefMe kes $e+Ce hemleeJe cebpetj kejves, mecePeewlee/yee Keelee hemleeJe, hetbpeeriele
SJeb jepemJe Jee keer mJeerke=efle, heefjmej, efveJesMe, oeve Deeefo hej efJeeej
kejleer nw.
meefceefle ceW DeOe#e SJeb heyevOe efveosMeke, keee&heeueke efveosMeke (ieCe)
Deewj Oeeje 9(3) (meer) SJeb 9(3) (peer) kes lenle Yeejle mejkeej eje
veeefcele efveosMeke leLee yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
DeefOeefveece, 1970 keer Oeeje 9(3) keer GheOeeje (F&) (SHe) (Se) Je (DeeF&)
kes lenle efveege efveosMekeeW ceW mes leerve efveosMekeeW kee meceeJesMe nw.
31 ceee& 2013 kees meefceefle keer mebjevee Fme hekeej nw.
eer Sme.Sme.cetbo[e
(ii) eer efhe.eerefveJeeme
(iii) eer megOeerj kegceej pewve
(iv) eer jbpeve OeJeve
(v) eer megoMe&ve mesve
(vi) eer Depee ceeLegj
(vii) eer efJeefveue kegceej mekemesvee
(viii) eer mele osJe ef$ehee"er
(ix) eer jepeerye mesKej meent
(i)

efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
2012-13
4.
COMMiTTEE / SUB-COMMiTTEE OF DiRECTORS /

EXECUTiVES
The Board of Directors of the Bank has constituted
various Committees of Directors and / or Executives
to look into different areas of strategic importance in
terms of Reserve Bank of India / SEBI / Government
of India guidelines on Corporate Governance and Risk
Management. The important Committees are as under :
l
Management Committee of the Board (MCB)
l
Credit Approval Committee of the Board (CACB)
l
Audit Committee of the Board (ACB)
l
Shareholders / Investors Grievances Committee
l
Share / Bond Transfer Committee
l
Sub Committee of the Board on ALM & Risk
Management
l
Customer Service Committee
l
Remuneration Committee
l
Nomination Committee
l
Committee of Directors
l
Committee on High Value Frauds
l
IT Strategy Committee of the Board
l
Steering Committee of the Board on HR
l
Committee for Monitoring of Recovery
l
Committee to Support Candidates for Election of
Shareholder Directors
4.1 Management Committee of the Board ( MCB )
In pursuance of Clause 13 of The Nationalized Banks
(Management and Miscellaneous Provisions) Scheme,
1970 (as amended) read with the amendments made
by the Ministry of Finance, Government of India,
a Management Committee of the Board has been
constituted to consider various business matters of
material significance like sanction of high value credit
proposals, compromise / write-off proposals, sanction of
capital and revenue expenditure, premises, investments,
donations etc.
The Committee consists of Chairman and Managing
Director, Executive Director (s) and Directors nominated
by Government of India under Section 9 (3) (c) and 9 (3)
(g) and three Directors from amongst those appointed
under sub section (e) (f) (h) and (i) of section 9(3) of
The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970.
The composition of the Committee as on 31st March
2013 is as under:
(i) Shri S. S. Mundra
- Chairman and
Managing Director
(ii) Shri P. Srinivas
- Executive Director
(iii) Shri Sudhir Kumar Jain - Executive Director
(iv) Shri Ranjan Dhawan
- Executive Director
(v) Shri Sudarshan Sen
- Director
(vi) Shri Ajay Mathur
- Director
(vii) Shri Vinil Kumar Saxena - Director
(viii) Shri Satya Dev Tripathi
- Director
(ix) Shri Rajib Sekhar Sahoo - Director
107
2012-13
efJeeere Je<e& 2012-2013 kes oewjeve yees[& keer heyebOeve meefceefle (Sceyeeryeer) keer
efvecveebefkele leejerKeeW kees 29 yew"keW Deeeesefpele ngF&-
During the Financial Year 2012-13, the Management

Committee of the Board (MCB) met on - 29 - occasions
on the following dates :
13.04.2012
03.05.2012
15.05.2012
30.05.2012
19.06.2012
28.06.2012
20.07.2012
29.07.2012
10.08.2012
30.08.2012
13.09.2012
28.09.2012
11.10.2012
21.10.2012
06.11.2012
15.11.2012
29.11.2012
09.12.2012
18.12.2012
24.12.2012
28.12.2012
08.01.2013
19.01.2013
03.02.2013
09.02.2013
18.02.2013
02.03.2013
11.03.2013
20.03.2013
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW ceW
Gvekeer GheeqmLeefle mecyevOeer efJeJejCe efvecve hekeej nw:
eqveosMeke kee veece
eer Sce.[er.ceuee
eer Sme.Sme.cetbo[e
eer jbpeve OeJeve
eer megoMe&ve mesve
eer Depee ceeLegj
eer megjsv Sme. YeC[ejer
Shri M. D. Mallya
Shri S. S. Mundra
Shri N. S. Srinath
Shri P. Srinivas
Shri Ranjan Dhawan
Shri Sudarshan Sen
Shri Ajay Mathur
Dr.(Smt.) Masarrat Shahid
Shri V. B. Chavan
Yeejle mejkeej keer iepe DeefOemetevee eceebke 13/1/2006 efoveebke 5

efomecyej,2011 keer MeleeX kes Deveghe yeQke ves 27 HejJejer 2012 kees yees[& keer
$e+Ce Devegceesove meefceefle (meerSmeeryeer) kee ie"ve efkeee nw. en meefceefle .
400 kejes[ leke keer jeefMe kes $e+Ce Devegceesove kes mecyevOe ceW yees[& keer MeefeeeW
kee heeesie kejsieer. DeOe#e SJeb heyevOe efveosMeke kees heoe DeefOekeejeW mes
DeefOeke jeefMe kes $e+Ce hemleeJeeW, efpeve hej Deye leke yees[& keer heyevOeve meefceefle
eje efJeeej efkeee peelee nw, kes mecyevOe ceW Deye yees[& keer $e+Ce Devegceesove
meefceefle (meerSmeeryeer) eje mJeerke=efle heoeve keer peeSieer. 31 ceee& 2013 kees
Fme meefceefle keer mebjevee Fme hekeej nw:(ii)
(iii)
(iv)
108
eer Sme.Sme.cetbo[e
eer jbpeve OeJeve
DeJeefOe
Period
4.2 yees[& keer uesKee hejer#ee meefceefle (meerSmeeryeer)
(i)

Meetings of the Committee held during their respective tenure
are as under :


yew"keW efpeveceW
Yeeie efueee
Meetings held during Meetings

their tenure
attended
01.04.2012 to 30.11.2012
17
17
21.01.2013 to 31.03.2013
6
6
01.04.2012 to 31.10.2012
14
14
01.04.2012 to 31.05.2012
4
3
18.06.2012 to 31.03.2013
25
23
18.06.2012 to 31.03.2013
25
19
01.11.2012 to 31.03.2013
15
14
01.04.2012 to 31.03.2013
29
25
01.04.2012 to 30.04.2012
1
1
01.12.2012 to 31.03.2013
12
11
01.04.2012 to 31.03.2013
29
26
01.04.2012 to 31.05.2012
4
4
01.04.2012 to 31.07.2012
8
7
01.02.2013 to 31.03.2013
6
6
01.05.2012 to 31.10.2012
13
12
01.06.2012 to 30.11.2012
13
13
01.08.2012 to 31.01.2013
15
14
01.11.2012 to 31.03.2013
15
15
4.2 Credit Approval Committee of The Board ( CACB )
In terms of Government of India Gazette Notification

No.13/1/2006 dated 5th December, 2011, the Bank has
constituted a Credit Approval Committee of the Board
(CACB) on 27th February, 2012. The Committee shall
exercise the powers of the Board with regard to credit
proposals upto Rs. 400 crores. The credit proposals
which exceed the powers delegated to Chairman and
Managing Director and which were hitherto considered
by the Management Committee of the Board, will now
be sanctioned by the CACB. The composition of the
Committee as on 31st March, 2013 is as under :
Chairman and Managing
Director
Executive Director
(iii) Shri Sudhir Kumar Jain Executive Director
Executive Director

(v)
(vi)
(vii)
eer Jeer.kes.ieghlee
eer jepesMe cenepeve
ceneheyevOeke ieCe
ceneheyevOeke (keeheex.Keeles,
keejeOeeve SJeb cegKe efJeeere
DeefOekeejer)
ceneheyevOeke (peesefKece heyevOeve)
$e+Ce / ^spejer keeeeX mes mecye
efJeeere Je<e& 2012-13 kes oewjeve yees[& keer $e+Ce Devegceesove meefceefle (meerSmeeryeer)
keer efvecveefueefKele leejerKeeW hej -33- yew"keW ngF:
(v)
Shri V. K. Gupta
(vi) Shri Rajesh Mahajan

(vii) General Managers
2012-13
GM (Corp. A/cs, Taxation

& CFO)
GM (Risk Management)
Dealing with respective
credit / treasury functions
During the Financial Year 2012-13, the Credit Approval

Committee of the Board (CACB) met - 33 - times on the
following dates :
10.04.2012
18.04.2012
28.04.2012
15.05.2012
28.05.2012
08.06.2012
16.06.2012
26.06.2012
05.07.2012
16.07.2012
19.07.2012
28.07.2012
10.08.2012
22.08.2012
30.08.2012
06.09.2012
13.09.2012
20.09.2012
28.09.2012
11.10.2012
19.10.2012
25.10.2012
29.10.2012
09.11.2012
23.11.2012
29.11.2012
31.01.2013
18.02.2013
28.02.2013
12.03.2013
19.03.2013
26.03.2013
30.03.2013
Gvekeer GheeqmLeefle mecyevOeer efJeJejCe efvecve hekeej nw:
veece
eer Sce.[er.ceuee
eer Sme.Sme. cetbo[e
eer jbpeve OeJeve
eer Jeer.kes. ieghlee
eer jepesMe cenepeve
eer Sve.jceCeer
eer pes.jcesMe
eer Jeer.Se.Lees
eer Deej.Sme.mesefleee
eer DeCe efleJeejer
eer Deej.kes.yebmeue
eer efmeefjue hee$ees
eer Sue.yeer.Mecee&
eer yeer.eerefveJeemeve
eer ceesnj eEmen
eer Deej.Sme.DeYebkej
eer DeCe eerJeemleJe
eer Deej.kes.Mecee&
eer Sve.Sve.YeeuesjeJe
eer Sme.kes.hegpeejer
Name
The details of attendance of the Directors/Executives at

the aforesaid Meetings of the Committee held during their
respective tenure are as under :
eqveosMeke / keee&heeueke
Director / Executive
yew"keeW keer mebKee
Number of Meetings
yew"keW efpeveceW
Yeeie efueee
Shri M. D. Mallya
Chairman & MD
26
Meetings
attended
26
Shri S. S. Mundra
Chairman & MD
Executive Director
23
23
Shri N. S. Srinath
Executive Director
Shri P. Srinivas
Executive Director
26
20
Executive Director
26
23
Shri Ranjan Dhawan
Executive Director
10
Shri V. K. Gupta
Executive
31
22
Shri Rajesh Mahajan
Executive
32
27
Shri N. Ramani
Executive
Shri J. Ramesh
Executive
19
18
Shri V. H. Thatte
Executive
27
25
Shri R. S. Setia
Executive
12
10
Shri Arun Tiwari
Executive
Shri R. K. Bansal
Executive
14
13
Shri Cyril Patro
Executive
12
Shri L. B. Sarma
Executive
Shri B. Srinivasan
Executive
Shri Mohar Singh
Executive
Shri R. S. Abhyankar
Executive
Shri Arun Shrivastava
Executive
16
15
Shri R. K. Sharma
Executive
14
14
Shri N. N. Bhalerao
Executive
Shri S. K. Poojary
Executive
109
2012-13
4.3 Audit Committee of the Board (ACB)
4.3 yees[& keer uesKee hejer#ee meefceefle (Smeeryeer)

yeQke ves keeheexjs ieJeveXme kes cetue efmeebleeW kes Deveghe Deewj Yeejleere efjpeJe&
yeQke kes efoMee efveoxMeeW kes DevegmejCe ceW, yees[& keer uesKee hejer#ee meefceefle ieef"le
keer nw efpemeceW 7 efveosMeke nQ. Ske iewj keee&heeueke efveosMeke, peesefke meveoer
uesKeekeej nw, meefceefle kes DeOe#e nQ.
The Bank, in consonance with the fundamentals of

Corporate Governance and in pursuance of directives
of the Reserve Bank of India, has constituted an Audit
Committee of the Board comprising of Seven Directors. A
Non-Executive Director, who is a Chartered Accountant,
is the Chairman of the Committee.
31 ceee& 2013 kees meefceefle keer mebjevee Fme hekeej nw:
The composition of the Committee as on 31st March,

2013 is as under :
(i)
eer Depee ceeLegj
meefceefle kes DeOe#e
(ii) eer efhe.eerefveJeeme
(i)
meome
(iii)
meome
(iv)
eer jbpeve OeJeve
meome
(iv)
meome
(v)
eer megoMe&ve mesve
meome
(vi)
meome
16.11.2012 mes eer ceewefueve DejefJevo Jew<CeJe Smeeryeer kes meome veneR jns.
efJeeere Je<e& 2013-13 kes oewjeve yees[& keer uesKee hejer#ee meefceefle (Smeeryeer) keer
-11- yew"keW efvecveefueefKele leejerKeeW hej Deeeesefpele keer ieF&:
25.04.2012
21.10.2012
03.05.2012
29.11.2012
15.05.2012
24.12.2012
eer Depee ceeLegj

eer jbpeve OeJeve
eer megoMe&ve mesve
29.07.2012
01.03.2013
07.09.2012
The details of attendance of the Directors at the Meetings

of the Committee held during their respective tenure are as
under :
DeJeefOe
Period

yew"keW efpeveceW
Yeeie efueee
Shri Ajay Mathur
01.04.2012 to 31.03.2013
Meetings held
during their tenure
11
01.04.2012 to 31.10.2012
Shri N. S. Srinath
01.04.2012 to 31.05.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
Meetings
attended
11
Shri Ranjan Dhawan
01.11.2012 to 31.03.2013
Shri Alok Nigam
01.04.2012 to 31.03.2013
11
Shri Sudarshan Sen
01.04.2012 to 31.03.2013
11
10
01.04.2012 to 15.11.2012
16.11.2012 to 31.03.2013
uesKee hejer#ee meefceefle kee Deve yeeleeW kes meeLe meeLe, hecegKe keee& yeQke keer efJeeere
metevee heCeeueer keer meceer#ee Deewj Deekeueve kejvee nw leeefke en megefveeqele nes mekes
efke efJeeere efJeJejefCeeeB mener, Gheege Deewj efJeemeveere nQ. en meefceefle yees[& kees
hemlegle kejves mes henues efleceener / Jeee|<eke efJeeere efJeJejefCeeeW keer meceer#ee Deewj
heyevOeve kees lelmecyevOeer mebmlegefle kejleer nw.
en uesKee hejer#ee meefceefle efoMee efveoxMe osleer nw leLee yeQke kes meceie uesKee hejer#ee
keeeeX keer meceer#ee kejleer nw, efpemeceW mebie"ve, heefjeeueve leLee Deebleefjke uesKee
110
- Chairman of the
Committee
- Member
(iii) Shri Sudhir Kumar Jain
- Member
- Member
(v) Shri Alok Nigam
- Member
(vi) Shri Sudarsan Sen
- Member
(vii) Shri Rajib Sekhar Sahoo - Member
Shri Maulin Arvind Vaishnav ceased to be a member of
ACB w.e.f. 16.11.2012.
During the Financial Year 2012-13, the Audit Committee
of the Board (ACB) met on - 11 - occasions on the dates
given below :
19.07.2012
03.02.2013
GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
Shri Ajay Mathur
The main functions of Audit Committee, inter-alia, include

assessing and reviewing the financial reporting system of
the Bank to ensure that the financial statements are correct,
sufficient and credible. It reviews and recommends to the
Management the quarterly / annual financial statements
before their submission to the Board.
The Audit Committee provides directions and oversees the
operations of total audit functions of the Bank including the
organization, operation and quality control of internal audit,

hejer#ee keer iegCeJeee efveeb$eCe, keee& Deebleefjke efveeb$eCe keefceeeB Deewj yeQke keer
Deebleefjke efveeb$eCe JeJemLee, yeQke keer meebefJeefOeke / yeee uesKee hejer#ee mecyevOeer
DevegJeleea keee&Jeener leLee Yeejleere efjpeJe& yeQke kes efvejer#eCe Meeefceue nQ.
meefceefle Deebleefjke efveeb$eCe heCeeueer, Deebleefjke uesKee hejer#ee efJeYeeie keer mebjevee,
Fmekeer meHe mebjevee keer meceer#ee Yeer kejleer nw Deewj efkemeer cenJehetCe& Keespe kes
mecyevOe ceW Deebleefjke uesKee hejer#ekeeW / efvejer#ekeeW kes meeLe efJeeej efJeceMe& leLee Gme
hej DevegJeleea keee&Jeener kejleer nw. en yeQke keer efJeeere Je peesefKece heyevOeve veerefleeeW
keer meceer#ee Yeer kejleer nw.
2012-13
internal control weaknesses and inspection within the Bank

and follow-up of the suggestions of Statutory/External audit of
the Bank and RBI inspections.
The Committee also reviews the adequacy of internal control
systems, structure of internal audit department, its staffing
pattern and hold discussions with the internal auditors /
inspectors on any significant finding and follow-up action
thereon. It further reviews the financial and risk management
policies of the Bank.
meebefJeefOeke uesKee hejer#ee kes mevoYe& ceW uesKee hejer#ee meefceefle, Jeee|<eke / efleceener
efJeeere KeeleeW SJeb efjheeseX kees Debeflece he osves mes hetJe& kesvere meebefJeefOeke uesKee
hejer#ekeeW kes meeLe efJeeej efJeceMe& kejleer nw. en meefceefle uee@bie Hee@ce& Dee@ef[ efjhees&
(SueSHeSDeej) keer efJeefYeVe ceoeW hej DevegJeleea keee&Jeener Yeer kejleer nw.
As for Statutory Audit, the Audit Committee interacts with the

Statutory Central Auditors before finalization of Quarterly /
Year to date / Annual Financial Results and Reports. It also
maintains follow up on various issues raised in the Long Form
Audit Report (LFAR).
4.4 Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe meefceefle
4.4 Shareholders / Investors Grievances Committee

The Shareholders / Investors Grievances Committee
has been constituted by the Bank to redress shareholders
and investors complaints, if any
yeQke ves MesejOeejkeeW leLee efveJesMekeeW keer efMekeeeleeW, eefo keesF& neW, kes
efveJeejCe nsleg MesejOeejke /efveJesMeke efMekeeele efveJeejCe meefceefle kee ie"ve
efkeee nw.
The Committee includes following members :
Fme meefceefle ceW efvecveefueefKele meome Meeefceue nQ:

(i)
keee&heeueke efveosMeke ieCe SJeb
(ii)
leerve Deve iewj keee&heeueke efveosMeke Fmekes meome leLee Ske iewj
keee&heeueke efveosMeke Fmekes DeOe#e nQ.
31 ceee&, 2013 kees meefceefle keer mebjevee Fme hekeej nw:

(i)
eer megjW eEmen Yeb[ejer
(ii)
(v) eer mele osJe ef$ehee"er
(vi) eer jepeerye mesKej meent

meome
meome
meome
meome
meome
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04- yew"keW
Deeeesefpele keer ieF:
03.05.2012
20.07.2012
GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
(i)
Executive Director (s) and
(ii)
Three Non-Executive Directors as its members with

a Non-Executive Director as its Chairman.
The composition of the Committee as on 31st March 2013 is

as under:
(i)
Shri Surendra Singh Bhandari
Chairman of the
Committee
(ii)
Shri P. Srinivas
Member
(iii)
Member
(iv)
Shri Ranjan Dhawan
Member
(v)
Member
(vi)
Member
The Committee met - 4 - times during the Financial Year 2012-13

on the following dates.
06.11.2012
19.01.2013

Meetings of the Committee held during their respective tenure
are as under :
DeJeefOe

yew"keW efpeveceW
Yeeie efueee

01.04.2012 to 31.03.2013
Chairman of the Committee

Shri N. S. Srinath
Shri P. Srinivas
Shri Ranjan Dhawan
2
1
3
3
2
4
4
2
1
3
2
1
4
4
Period
Meetings held
during their tenure
eer megjsv eEmen YeC[ejer

eer jbpeve OeJeve
01.04.2012 to 31.10.2012
01.04.2012 to 31.05.2012
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
01.11.2012 to 31.03.2013
01.04.2012 to 31.03.2013
01.04.2012 to 31.03.2013
Meetings
attended
111
2012-13
meefceefle Fme DeeMee keer cee@efveeEjie kejleer nw efke DeblejCe, GheefJeYeepeve, meceskeve,
veJeerkejCe, efJeefvecee DeLeJee ceebie/DeeJebve jeefMe kes hejebkeve keer hemlegefle leejerKe mes
Ske ceen kes Yeerlej meYeer heceeCe he$e peejer kej efoS peeSb. meefceefle efveJesMekeeW keer
efMekeeeleeW kes efveJeejCe kes efueS meceeye he mes efveiejeveer Yeer kejleer nw.
Je<e& kes oewjeve heehle SJeb efveJeejCe keer ieF& efMekeeeleeW / efveJesoveeW keer mebKee kee
meejebMe veeres efoee ieee nw:
01.04.2012 kees yekeeee
Je<e& kes oewjeve HeeHle
The Committee monitors the issuance of share certificates

within a period of one month of the date of lodgment for
transfer, sub-division, consolidation, renewal, exchange or
endorsement of calls / allotment money. The Committee
further monitors the redressal of investors complaints in a
time bound manner.
The summary of number of requests/complaints received and
resolved during the year are as under:
Je<e& kes oewjeve efveJeejCe
31.03.2013 kees yekeeee
Pending as on 01.04.2012
Received during the year
Resolved during the year
Pending as on 31.03.2013
32
34683
34696
19
Je<e& kes oewjeve yekeeee meYeer DeeJesove [ghueerkes Mesej mee|efHekes peejer kejves mes
mecyeeqvOele DevegjesOe he$e Les leLee Fmekes mebyebOe ceW DeewheeeefjkeleeSb heefeee DeOeerve nQ
/ keee&Jeener keer pee jner nw.
All the pending cases as at the end of the year were pertaining
to the request for issue of duplicate share certificates, in respect
of which the necessary formalities were in process.
eer efJevee S. Meen, GHe ceneheyevOeke SJeb kecheveer meefeJe kees me@ke SkemeeWpeeW kes
meeLe meteerkejCe DevegyevOe kes KeC[ 47 (S) kes lenle yeQke kes Devegheeueve DeefOekeejer
kes he ceW efveege efkeee ieee nw.
Shri Vinay A. Shah, Deputy General Manager & Company

Secretary has been designated as the Compliance Officer of
the Bank under Clause 47 (a) of the Listing Agreement with
Stock Exchanges.
4.5 Mesej /yeeb[ DeblejCe meefceefle
4.5 Share/Bond Transfer Committee
Mesej OeejkeeW / efveJesMekeeW keer efMekeeele efveJeejCe mes mecyeeqvOele meefceefle kes
Deefleefje, yeQke ves keee&heeuekeeW keer Ske Mesej DeblejCe meefceefle ieef"le keer nw.
DeOe#e SJeb heyevOe efveosMeke, keee&heeueke efveosMeke ieCe, -2- ceneheyevOeke
leLee Ghe ceneheyevOeke / meneeke ceneheyevOeke (efJeefOe) Fmekes meome nQ.
15 efove ceW meefceefle keer kece mes kece Ske yew"ke Deeeesefpele nesleer nw efpemekee
heeespeve MesejeW / yee@C[eW kes DeblejCe keer heefeee kees lespe kejvee neslee nw.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer -55- yew"keW ngF& efpevekee efJeJejCe
efvecveevegmeej nw:
Besides the Shareholders / Investors Grievances

Committee, the Bank has constituted a Share Transfer
Committee comprising of Chairman and Managing
Director, Executive Directors, -2- General Managers and
Deputy/Assistant General Manager (Legal) as members.
The Committee meets at least once in 15 days to effect
transfer of Shares / Bonds. The Committee met on -55occasions during the Financial Year 2012-13, on the
following dates:
03.04.2012
10.04.2012
12.04.2012
23.04.2012
03.05.2012
09.05.2012
14.05.2012
22.05.2012
30.05.2012
05.06.2012
09.06.2012
15.06.2012
23.06.2012
03.07.2012
11.07.2012
16.07.2012
23.07.2012
25.07.2012
31.07.2012
09.08.2012
10.08.2012
16.08.2012
03.09.2012
06.09.2012
14.09.2012
20.09.2012
26.09.2012
04.10.2012
10.10.2012
18.10.2012
25.10.2012
31.10.2012
08.11.2012
16.11.2012
22.11.2012
27.11.2012
05.12.2012
13.12.2012
20.12.2012
27.12.2012
02.01.2013
09.01.2013
17.01.2013
24.01.2013
30-01-2013
31.01.2013
06.02.2013
14.02.2013
21.02.2013
26.02.2013
06.03.2013
14.03.2013
16.03.2013
19.03.2013
28.03.2013
4.6 Deeeqmle oselee heyevOeve SJeb peesefKece heyevOeve hej efveosMeke ceC[ue keer
Ghemeefceefle
yeQke ves Ske efveosMeke ceb[ue mlejere peesefKece heyevOeve meefceefle kee ie"ve efkeee
nw pees Deeeqmle oselee heyevOeve SJeb peesefKece heyevOeve hej efveosMeke ceb[ue keer
Ghemeefceefle kes he ceW peeveer peeleer nw leLee yeQke eje hetJee&vegceeefvele mechetCe&
peesefKece keer meceer#ee SJeb cetueebkeve kejleer nw.
112
4.6 Sub Committee of the Board on ALM & Risk Management:

The Bank has constituted a Board level Risk Management
Committee known as Sub Committee of the Board on
ALM and Risk Management to review and evaluate the
overall risks assumed by the Bank.

meefceefle keer DeOe#elee DeOe#e SJeb heyevOe efveosMeke kejles nQ leLee 31 ceee&
2013 kees meefceefle keer mebjevee Fme hekeej nw:
(i)
eer Sme.Sme.cetbo[e
(v) eer megjsv Sme. YeC[ejer
DeOe#e
meome
meome
meome
meome
(ii)
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele leejerKeeW hej -04yew"keW Deeeesefpele keer ieF:
28.06.2012
30.08.2012
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW
ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
2012-13
The Committee is headed by Chairman and Managing

Director and its composition as on 31st March, 2013 is
as under :
Chairman
Member
Member
Member
(v) Shri Surendra S. Bhandari
Member
The Committee met - 4 - times during the Financial Year
on the following dates:
24.12.2012
02.03.2013
The details of attendance of the Directors at the Meetings

of the Committee held during their respective tenure are
as under :
DeJeefOe
Period
Gvekes keee&keeue kes

oewjeve Deeeesefpele yew"keW
yew"keW efpeveceW
Yeeie efueee
Meetings held
during their tenure
eer Sce.[er.ceuee
eer Sme.Sme.cetbo[e
eer jbpeve OeJeve
Meetings
attended
Shri M. D. Mallya
01.04.2012 to 30.11.2012
Shri S. S. Mundra
21.01.2013 to 31.03.2013
01.04.2012 to 31.10.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
Shri Ranjan Dhawan
01.11.2012 to 31.03.2013
01.04.2012 to 31.03.2013
yeQke ves efJeefYeVe peesefKeceeW eLee esef[ peesefKece, yeepeej peesefKece leLee
heefjeeueveiele peesefKece kee helee ueieeves, heyevOeve, DevegheJele&ve leLee efveeb$eCe
kees Oeeve ceW jKeles ngS yeQke ceW mecegefele peesefKece heyevOeve {eBee leweej efkeee
nw efpemeceW peesefKece mebjeveelceke {eBee, peesefKece efmeeble, peesefKece heefeee,
peesefKece efveeb$eCe leLee peesefKece uesKee hejer#ee Meeefceue nw. Fmekee cegKe
GsMe yeQke kes jeêre SJeb Debleje&êre heefjeeueveeW kees efvejblej yesnlej SJeb
keee&kegMeue yeveevee nw Deewj yeQke keer megj#ee hej Oeeve osvee nw.
4.7 ieenke mesJee meefceefleeeb
The Bank has set up an appropriate risk management

architecture, comprising Risk Management Organizational
Structure, Risk Principles, Risk Processes, Risk Control and
Risk Audit, all with a view to ideally identify, manage, monitor
and control various categories of risks, viz. Credit Risk, Market
Risk and Operational Risk, etc. The underlying objective is to
ensure continued stability and efficiency in the operations of
the Bank, nationally and internationally and to look after the
safety of the Bank.
4.7 Customer Service Committees
(ke) efveosMeke ceb[ue keer ieenke mesJee meefceefle
(a) Customer Service Committee of the Board

The Bank has constituted a sub-committee of Board
known as Customer Service Committee. The
Committee has the following members as on 31st
March 2013:-
yeQke ves efveosMeke ceb[ue keer Ske Ghemeefceefle kee ie"ve efkeee nw pees "ieenke
mesJee meefceefle" kes veece mes peeveer peeleer nw. 31 ceee& 2013 kees meefceefle kes
efvecveefueefKele meome nwb :
(i)
eer Sme.Sme.cetbo[e
DeOe#e SJeb heyebOe

efveosMeke
(i)
Shri S. S. Mundra
Chairman &
Managing Director
(ii)
(ii)
Shri P. Srinivas
Executive Director
Executive Director
Executive Director
(v)
efveosMeke
(v)
Director
(v)
efveosMeke
Shri Maulin Arvind

Vaishnav
(v)
Director
113
2012-13
The functions of the Committee include creating a platform

for making suggestions and innovative measures for
enhancing the quality of customer services and improving
the level of satisfaction for all categories of clientele at all
times, which inter-alia comprises the following :
meefceefle kes keeeeX ceW ieenke mesJeeDeeW keer iegCeJeee kees yesnlej yeveeves kes efueS
megPeeJe leLee veJeesvces<eer GheeeeW kes efueS huesHee@ce& kee me=peve kejvee leLee meYeer
mebJeie& kes ieenkeeW kes efueS meblegeq kes mlej ceW megOeej kejvee Meeefceue nw efpemeceW
Deve yeeleeW kes meeLe meeLe efvecveefueefKele kee meceeJesMe nw:
(i)
meeJe&peefveke mesJeeDeeW keer heefeee SJeb keee&efve<heeove uesKee hejer#ee mecyevOeer

mLeeeer meefceefle kes keeeeX keer osKejsKe kejvee leLee ieenke mesJeeDeeW keer mLeeeer
meefceefle keer efmeHeeefjMeeW kes Devegheeueve kees megefveeqele kejvee.
i.
Oversee the functioning of the Standing Committee on

Procedure and Performance Audit on Public Services and
also compliance with the recommendation of the Standing
Committee on Customer Services.
(ii)
DeefOeefveCe&e keer leejerKe mes leerve cenerves mes DeefOeke yeerle peeves hej Yeer ueeiet
ve efkeS ieS yekeeee DeefOeefveCe&eeW leLee yeQeEkeie ueeskeheeue eje yeQeEkeie mesJeeSb
heoeve kejves ceW heeF& ieF& keefceeeW keer eqmLeefle keer meceer#ee kejvee.
ii.
(iii)
ce=le peceekelee&DeeW / uee@kej efkejeSoejeW / megjef#ele DeefYej#ee ceW jKeer ieF&

JemlegDeeW kes peceekelee&DeeW mes mecyeeqvOele efveheeve nsleg 15 efoveeW keer DeJeefOe mes
DeefOeke yekeeee oeJeeW keer mebKee keer eqmLeefle mecyevOeer meceer#ee kejvee.
Review the status of the Awards remaining unimplemented

for more than 3 months from the date of Awards and also
deficiencies in providing Banking services as observed by
the Banking Ombudsman.
iii.
Review the status of the number of deceased claims

remaining pending / outstanding for settlement beyond 15
days pertaining to deceased depositors / locker hirers /
depositor of safe custody articles.
28.06.2012
30.08.2012
efveosMekeeW keer Gvekes keee&keeue kes oewjeve meefceefle keer Deeeesefpele Ge yew"keeW
ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
During the Financial Year 2012-13, the Committee met - 4

- times on the following dates :
29.11.2012
09.02.2013
The details of attendance of the Directors are as under:
DeJeefOe
Period

yew"keW efpeveceW
Yeeie efueee
Meetings held during

their tenure
Meetings
attended
eer Sce.[er.ceuee
Shri M. D. Mallya
01.04.2012 to 30.11.2012
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
21.01.2013 to 31.03.2013
01.04.2012 to 31.10.2012
Shri P. Srinivas
18.06.2012 to 31.03.2013
18.06.2012 to 31.03.2013
eer jbpeve OeJeve
Shri Ranjan Dhawan
01.11.2012 to 31.03.2013
01.04.2012 to 28.10.2012
01.04.2012 to 31.03.2013
29.11.2012 to 31.03.2013
(Ke) ieenke mesJee mebyebOeer mLeeeer meefceefle

Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej, yeQke kes efveosMekeeW
keer ieef"le Ghemeefceefle kes Deefleefje yeQke ves ieenke mesJeeDeeW hej
heefeeeDeeW leLee keee&efve<heeove uesKeehejer#ee hej Ske mLeeeer meefceefle
kee Yeer ie"ve efkeee nw efpemeceW yeQke kes leerveesb keee&heeueke efveosMeke,
-4- ceneheyevOeke leLee -3- Deve heefleeqle meeJe&peefveke Jeefe meome
kes he ceW Meeefceue nQ.
Fme meefceefle kee ie"ve efJeMes<e he mes peve meceeve kees GheueyOe yeQeEkeie
megefJeOeeDeeW hej Oeeve keseqvle kejves leLee (i) mesJee kes ceewpetoe mlej
kes yeQeceeke& (ii) DeeJeefOeke heieefle keer meceer#ee (iii) meceeyelee SJeb
iegCeJeee kees ye{eves (iv) heeweesefiekeer GVeeve kes cesvepej heefeee kees
114
(b) Standing Committee on Customer Service

Besides, the Sub-Committee of the Board as
aforesaid, the Bank has also set up a Standing
Committee on Procedures and Performance Audit
on Customer Services having three other eminent
public personalities as members alongwith three the
Executive Directors and four General Managers of
the Bank, as per the guidelines of Reserve Bank of
India.
This Committee has been set up to focus on the
banking services available to the public at large and
focusing on the need to (i) benchmark the current
level of service, (ii) review the progress periodically,
(iii) enhance the timelines and quality, (iv) rationalize

the processes taking into account technological
developments, and (v) suggest appropriate initiatives
to facilitate change on an ongoing basis.
egefemebiele yeveeves (v) heefjJee|lele heefjeqmLeefleeeW kes Deveghe mecegefele

heeslmeenve nsleg megPeeJe osves keer DeeJeMekelee hej Oeeve osves nsleg efkeee
ieee nw.
4.8 heeefjeefceke meefceefle
2012-13
4.8
Remuneration Committee
Yeejle mejkeej ves Deheveer DeefOemetevee meb. SHe veb. 20/1/2005-yeerDeesDeeF&

efoveebke 9 ceee&, 2007 kes eje meeJe&peefveke #es$e kes yeQkeeW kes hetCe&keeefueke
efveosMekeeW kes efueS keee&efve<heeove men heeslmeenve keer Iees<eCee keer. en heeslmeenve
efJeiele efJeeere Je<e& kes oewjeve efJeefYeVe Devegheeueve efjheeseX hej DeeOeeefjle ue#eeW
SJeb yeQeceeke& kes Deveghe keee&efve<heeove cetueebkeve, efpemeceW iegCeJeee Je cee$ee
oesvees kee meceeJesMe nw, hej DeeOeeefjle nw. Ge efoMeeefveoxMeeW kes Devegheeueve ceW
Je<e& kes oewjeve keee&efve<heeove kes cetueebkeve leLee ose / DeJee[& keer peeves Jeeueer
heeslmeenve jeefMe nsleg efveosMeke ceb[ue keer heeefjeefceke meefceefle kee ie"ve efkeee
ieee.
meefceefle keer 31 ceee&, 2013 kees mebjevee Fme hekeej nw(i) eer Deeueeske efveiece
(ii) eer megoMe&ve mesve
(iii) eer Depee ceeLegj
(iv) eer megjW efmebn Yeb[ejer
Government of India announced Performance Linked

Incentives for Whole Time Directors of Public Sector Banks
vide Notification No.F No.20/1/2005-BO.I dated 9th March,
2007. The incentive is based on certain qualitative as well
as quantitative parameters fixed for Performance
Evaluation Matrix on the basis of the statement of intent
on goals and benchmarks based on various compliance
reports during the previous financial year. In compliance
of the said directives, a Remuneration Committee of the
Board was constituted for evaluation of the performance
and incentive amount to be awarded/ paid during the year.
The composition of the Committee as on 31 st March 2013
is as under
(i) Shri Alok Nigam
(ii) Shri Sudarshan Sen
(iii) Shri Ajay Mathur
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer oes yeej yew"ke ngF& DeLee&le
04.05.2012 leLee 30.05.2012. efpemeceW 04.05.2012 keer yew"ke ceW meYeer
meome GheeqmLele Les. efoveebke 30.05.2012 keer yew"ke kes efove eer megoMe&ve
mesve mJeerke=le DeJekeeMe kes keejCe DevegheeqmLele Les. DeefOemetevee keer MeleeX
kes Deveghe meefceefle ves veeres efoS ieS efJeJejCe kes Devegmeej efvecveefueefKele
hetCe&keeefueke efveosMekeeW kees heeslmeenve jeefMe kes Yegieleeve kejves kee efveCe&e
efueee.
During the Financial Year 2012-13, the Committee met

two times i.e. on 04.05.2012 and 30.05.2012. On
04.05.2012 all members were present. Shri Sudarshan
Sen was granted Leave of Absence for the meeting dated
30.05.2012. In terms of the aforesaid notification, the
Committee decided to pay incentives to the following
Whole-time Directors as per details given below :
e. meb
Sr. No
veece / Name
(iv) Shri Surendra Singh Bhandari
heo / Designation
efJeeere Je<e& 20011-12 kes efueS

keee&efve<heeove mebyebOe, eeslmeenve (`)
Performance Linked
Incentives for the Financial
Year 2011-12 (`)
1
eer Sce.[er.ceuee
DeOe#e SJeb eyebOe efveosMeke
8,00,000
6,50,000
6,50,000
Shri M. D. Mallya
2

3
Shri N. S. Srinath

Executive Director
Executive Director
4.9 veeceebkeve meefceefle

Yeejleere efjpeJe& yeQke ves yeQkekeejer kecheveer (GheeceeW kee DeblejCe SJeb Depe&ve)
DeefOeefveece, 1970/80 keer Oeeje 9(3)(DeeF&) kes heeJeOeeveeW kes Debleie&le
jeêreke=le yeQkeeW kes efveosMeke ceb[ue ceW eeve nsleg eLeesefele efHe SC[ hee@hej
ceeveob[ efveOee&efjle efkeS nQ. Yeejleere efjpeJe& yeQke eje peejer efoMeeefveoxMeeW kes
Deveghe veeceebefkele meefceefle ieef"le kejvee Dehesef#ele nw efpemeceW efveosMeke ceb[ue
ceW mes kece mes kece leerve efveosMeke (meYeer mJeleb$e / iewj keee&heeueke efveosMeke)
Meeefceue neW. Ge efoMeeefveoxMeeW keer Devegheeuevee ceW Ske veeceebkeve meefceefle kee
ie"ve efkeee ieee nw.
4.9 Nomination Committee

Reserve Bank of India has laid down "Fit and Proper"
criteria to be fulfilled by persons to be elected as directors
on the Boards of the Nationalized Banks under the
provisions of Section 9(3)(i) of Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970/80.
In terms of the guidelines issued by Reserve Bank of India,
a Nomination Committee is required to be constituted
consisting of a minimum of three directors (all independent/
non executive directors) from amongst the Board of
Directors. In compliance of the said directives, a
Nomination Committee has been constituted.
115
2012-13
meefceefle keer 31 ceee&, 2013 kees mebjevee Fme hekeej nw:
The composition of the Committee as on 31st March, 2013

is as under:
(i)
(i)
Shri Alok Nigam
(ii) eer mele osJe ef$ehee"er
(ii)
eer Depee ceeLegj 01.02.2013 mes meefceefle kes meome vener jns.
Shri Ajay Mathur ceased to be member of this committee

w.e.f. 01.02.2013.
efJeeere Je<e& 2012-13 kes oewjeve 03.05.2012 kees Ske yew"ke ngF&. meefceefle
ves 03.05.2012 kees Deeeesefpele yew"ke ceW lelkeeueerve Mesej Oeejke efveosMekeeW
During the Financial Year 2012-13, the Committee met once

on 03.05.2012. The Committee at its meeting held on
03.05.2012 ascertained the Fit & Proper status of
Shareholder Directors. The Committee found all of them
Fit and Proper.
kes "efHe SC[ hee@hej" msme keer mebJeer#ee keer. meefceefle ves Gve meye kees "efHe
SC[ hee@hej" heeee.
4.10 Committee of Directors
4.10 efveosMekeeW keer meefceefle
A Committee of Directors consisting of Chairman and

Managing Director and the nominee Directors of
Government of India and Reserve Bank of India has been
formed for dealing with the promotions at senior level. This
Committee also deals with review of vigilance disciplinary
cases and departmental enquiries.
DeOe#e SJeb heyevOe efveosMeke SJeb Yeejle mejkeej leLee Yeejleere efjpeJe& yeQke
kes veeefcele efveosMekeeW keer Ske meefceefle kee ie"ve Jeefj mlej kes heefoVeefle
mecyevOeer keeeeX kes GsMe mes efkeee ieee nw. en meefceefle meleke&lee mecyevOeer
DevegMeemeefveke ceeceueeW Deewj efJeYeeieere peebeeW keer meceer#ee kee keee& Yeer kejleer
nw.
31 ceee&, 2013 leke meefceefle keer mebjevee Fme hekeej nw:
(i)
eer Sme.Sme.cetbo[e
(ii)
(iii)
eer megoMe&ve mesve
The composition of the Committee as on 31st March, 2013 is

as under:
(ii) Shri Alok Nigam
(iii) Shri Sudarshan Sen
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer efvecveefueefKele efJeJejCe Devegmeej
- 5 yew"keW ngF :
28.06.2012
27.07.2012
27.07.2012
meefceefle keer 31 ceee&, 2013 kees mebjevee Fme hekeej nw:


2012-13 on the following dates :
06.11.2012
03.02.2013
The details of attendance of directors are as under:
Gvekes keee&keeue kes oewjeve Deeeesefpele

yew"keeW keer mebKee efpeveceW

Yeeie efueee

their tenure
Meetings Attended
eer Sce.[er.ceuee
Shri M. D. Mallya
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
Shri Alok Nigam
eer megoMe&ve mesve
Shri Sudarshan Sen
4.11 ye[er jeefMe keer OeesKeeOe[er kes yeejs ceW meefceefle

Yeejleere efjpeJe& yeQke kes heefjhe$eebke DeejyeerDeeF&/2004.15/[eryeerSme.
SHepeerJeer(SHe)veb.1004/23.04.01S/ 2003-04 efoveebke 14 peveJejer, 2004
kes efveoxMeevegmeej nceejs yeQke ceW . 1.00 kejes[ Deewj Gmemes DeefOeke keer jeefMe
kes OeesKeeOe[er mecyevOeer ceeceueeW keer cee@efveeEjie kes efueS efveosMeke ceb[ue keer
efJeMes<e meefceefle kee ie"ve efkeee ieee nw.
meefceefle kes cegKe keeeeX ceW Deve yeeleeW kes meeLe meeLe . 1.00 kejes[ Deewj
Gmemes Thej keer jeefMe keer OeesKeeOe[er keer efveiejeveer leLee meceer#ee Meeefcele
nw leeefke (ke) OeesKeeOe[er kes DeehejeefOeke ke=le ceW heCeeueeriele KeeefceeeW kee
helee ueieeves Deewj Gve hej efveeb$eCe kejves kes efueS Gheee efkeS pee mekeW (Ke)
OeesKeeOe[er kes helee ueieeves ceW efJeuecye kes keejCeeW keer heneeve leLee yeQke leLee
116
4.11 Committee on High Value Frauds

As per RBI circular no.RBI/2004.15/.DBS.FGV(F)
No.1004/23.04.01A/2003-04 dated 14th January, 2004 a
Special Committee of the Board for monitoring high value
frauds of Rs.1.00 crore and above has been formed in
our Bank.
The major functions of the Committee, inter-alia, include
monitoring and review of all the frauds of Rs.1.00 crore
and above so as to: (a) identify the systemic lacunae if
any that facilitated perpetration of the fraud and put in
place measures to plug the same (b) identify the reasons
for delay in detection, if any, reporting to top management
2012-13
Yeejleere efjpeJe& yeQke kes Ge heyevOekeeW kees Gmekeer efjheese\ie (ie) meeryeerDeeF& /
hegefueme peebe he[leeue keer heieefle leLee Jemetueer keer eqmLeefle (Ie) en megefveeqele
kejvee efke OeesKeeOe[er kes meYeer ceeceueeW ceW meYeer mlejeW hej meHe GejoeefelJe
kee hejer#eCe nes Deewj meHe hej keee&Jeener, eefo Dehesef#ele nes, DeefJeuecye nes
(e) OeesKeeOe[er keer hegvejeJe=efle kes efveJeejCe kes efueS keer ieF& megOeejelceke
keee&Jeener keer heYeeJeeslheeokelee keer meceer#ee eLee Deebleefjke efveeb$eCe kees
meMee kejvee Deewj () OeesKeeOe[er kes efKeueeHe efveJeejke GheeeeW kees meMee
kejves kes efueS eLeeJeMeke Deve Gheee kejvee.
of the Bank and RBI (c) monitor progress of CBI/Police

investigation and recovery position (d) ensure that staff
accountability is examined at all levels in all the cases of
frauds and staff side action, if required, is completed
quickly without loss of time (e) review the efficacy of the
remedial action taken to prevent recurrence of frauds,
such as strengthening of internal controls and (f) put in
place other measures as may be considered relevant to
strengthen preventive measures against frauds.
efveosMeke ceb[ue kes -5- meomeeW keer ieef"le efJeMes<e meefceefle ceW (ke) DeOe#e
SJeb heyevOe efveosMeke (Ke) Smeeryeer kes oes meome (ie) Yeejleere efjpeJe& yeQke kes
veeefcele kes DeueeJee efveosMeke ceb[ue kes oes Deve meomeeW kee meceeJesMe nw.
The Committee consists of - 5 - members of the Board

of Directors: (a) Chairman and Managing Director (b) Two
members from ACB and (c) Two other members from the
Board excluding RBI Nominee.
31 ceee& 2013 kees meefceefle keer mebjevee efvecveevegmeej nw:

(i)
eer Sme.Sme.cetbo[e
(ii)
(iii) eer ceewefueve DejefJevo Jew<CeJe
(iv) eer megjW eEmen Yeb[ejer
(v) eer jepeerye mesKej meent
30.05.2012

2013 is as under:
(i)
(ii)
(iii)
(iv)
(v)
The Committee met -4- times during the Financial Year

2012-13 as per the details below :
28.09.2012
efveosMekeeW kee Ge yew"keeW ceW GheeqmLeefle mecyevOeer efJeJejCe efvecveevegmeej nw:
06.11.2012
09.02.2013
Shri S. S. Mundra
Shri Alok Nigam


Yeeie efueee

their tenure
Meetings Attended
eer Sce.[er.ceuee
Shri M. D. Mallya
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
Shri Alok Nigam
4.12 yeQke keer metevee heeweesefiekeer veerefle

Yeejleere efjpeJe& yeQke keer metevee megj#ee / Fuewkeêsefveke yeQeEkeie, lekeveerkeer
peesefKece heyevOeve leLee meeF&yej Hee@[ hej Jee\keie ieghe keer efmeHeeefjMeeW kes Deveghe
yeQke ves 27 HejJejer, 2012 kees Deeeesefpele yew"ke ceW metevee heeweesefiekeer veerefle
meefceefle kee ie"ve efkeee ieee efpemeceW efvecve efueefKele meome Meeefceue nQ:
i.
eer jepeerye Sme.meent
ii.
iii.
eer megOeerj kegceej pewve -
iv.
eer jbpeve OeJeve
v.
eer Depee ceeLegj
efveosMeke
vi.
eer oerheke yeer. Heeke
yeee met. heew. efJeMes<e%e
vii.
eer Deej. keeserejve -
ceneheyebOeke (metheew SJeb heefjeespevee)

yew"ke kes mebeespeke
4.12 IT Strategy Committee of the Bank

In accordance with the recommendations of Reserve Bank
of India Working Group on Information Security, Electronic
Banking, Technology Risk Management & Cyber Frauds,
the Bank at its Board meeting held on 27th February, 2012,
constituted an IT Strategy Committee, comprising the
following members :
i.
ii.
iii.
iv.
v.
vi.
vii.
Shri Rajib S. Sahoo
Chairman of the
Committee
Shri P. Srinivas
Executive Director
Shri Sudhir Kumar Jain Executive Director
Shri Ranjan Dhawan
Executive Director
Shri Ajay Mathur
Director
Dr. Deepak B. Phatak External IT Expert
Shri R. Koteeswaran
General Manager (IT &
Projects) Convenor of
the meeting.
117
2012-13
Fme meefceefle kes mebKeelceke mJehe (keesjce) ceW -3- meome, efpeveceW -2meome efveosMeke ceC[ue (FveceW mes Ske keee&heeueke efveosMeke neWies) mes
leLee Ske yeee metevee heeweesefiekeer efJeMes<e%e Meeefceue neWies. en meefceefle Deve
yees[& meefceefle leLee Jeefj heyevOeve kes meeLe keee& kejles ngS yeQke keer metevee
heeweesefiekeer mebeeueve meefceefle kes keeeeX keer mebJeer#ee kejsieer leeefke keeheexjs
leLee metevee heeweesefiekeer veerefleeeW ceW hejmhej leeuecesue leLee leovegmeej mebJeer#ee
SJeb megOeej efkeee pee mekes.
30.05.2012
The quorum of the Committee is -3- members comprising

two members from Board of Directors (one of which should
be Executive Director) and external IT expert. The
Committee shall oversee the functions of IT Steering
committee of the Bank, besides working in partnership
with other Board Committee and Senior Management to
provide input, review and amend the aligned corporate
and IT strategies.
2012-13 as per the details below :
28.09.2012
08.01.2013
Name
veece

eer jbpeve OeJeve
eer Depee ceeLegj
[e@. oerheke yeer. Heeke


Yeeie efueee
Meetings Attended

their tenure
4
Shri N. S. Srinath
Shri P. Srinivas
Shri Ranjan Dhawan
Shri Ajay Mathur
Dr. Deepak B. Phatak
4.13 ceeveJe mebmeeOeve hej yees[& keer mebeeueve meefceefle

Keb[sueJeeue meefceefle, efJee ceb$eeuee, Yeejle mejkeej keer efmeHeeefjMeeW kes Deveghe
21 Deetyej, 2011 kees mebhesef<ele mevosMe ceW peevekeejer oer ieF& efke ceeveJe
mebmeeOeve ceeceueeW hej yees[& keer Ske mebeeueve meefceefle kee ie"ve efkeee peeS
efpemeceW DeOe#e SJeb heyevOe efveosMeke leLee keee&heeueke efveosMekeeW kes DeueeJee
mejkeej keer Deesj mes efveosMeke leLee oes heyeg ceeveJe mebmeeOeve mes peg[s hesMesJej
Jeefe Meeefceue neWies. leovegmeej yeQke ves efoveebke 27 HejJejer, 2012 kees
Deeeesefpele Deheveer yees[& ceereEie ceW ceeveJe mebmeeOeve hej Ske mebeeueve meefceefle
kee ie"ve efkeee nw pees efke ceeveJe mebmeeOeve mes peg[s cemeueeW kee meceeOeeve
kejsieer. Fme meefceefle ceW efvecveefueefKele meome Meeefceue nQ:
4.13 Steering Committee of the Board on HR

As per the recommendations of the Khandelwal
Committee, Ministry of Finance, Government of India, vide
its communication dated 21st October, 2011, conveyed
that a Steering Committee of the Board on HR issues to
be constituted with Government Director and two
outstanding HR professionals, apart from Chairman and
Managing Director and Executive Directors. Accordingly,
the Bank at its Board meeting held on 27th February, 2012,
has constituted a Steering Committee of the Board on HR
to deal with the matters related to Human Resources. The
Committee comprises of the following members :
(i)
Shri S. S. Mundra
Chairman & Managing

Director
(ii)
Shri P. Srinivas
Executive Director
(iii)
Shri Sudhir Kumar Jain Executive Director
(iv)
Shri Ranjan Dhawan
Executive Director
mejkeej eje veeefcele efveosMeke
(v)
Shri Alok Nigam
6.
[e@. oerheke Heeke
heesHesmej, DeeF&DeeF&er, cegcyeF&
Government Nominee
Director
7.
[e@ DeeMee Yeb[ejkej
heesHesmej, Sce[erDeeF&, ieg[ieebJe
1.
eer Sme.Sme.cetbo[e
2.
3.
4.
eer jbpeve OeJeve
5.
efJeeere Je<e& 2012-13 kes oewjeve meefceefle keer Ske yew"ke 29 Deiemle, 2012
kees Deeeesefpele keer ieF& efpemeceW eer Deeueeske efveiece kes Deefleefje meYeer meomeeW
ves yew"ke ceW Yeeie efueee.
4.14 Jemetueer keer cee@veereEjie kes efueS meefceefle

efJeeere mesJeeSb efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej, veF& efouueer kes
efoMeeefveoxMeeW kes Devegmeej leLee Gvekes he$e eceebke SHe.veb.7/112/2012-yeerDeesS
118
20.03.2013
(vi)
Dr. Deepak Phatak (vii) Dr. Asha Bhandarkar
Professor, I I T, Mumbai
Professor, MDI, Gurgaon.
During the Financial Year 201213 the Committee met on

29th August, 2012 - All members except Shri Alok Nigam
attended the meeting.
4.14 Committee For Monitoring of Recovery
In terms of the guidelines received from Ministry of
Finance, Government of India, Department of Financial
Services, New Delhi, vide letter No. F.No.7/112/2012-BOA
2012-13
efoveebke 21 veJecyej, 2012 kes Devegmeej Jemetueer kes efueS meg{ JeJemLee jKeves
kes ece ceW yees[& kees Ske meefceefle ieef"le kejves keer DeeJeMekelee nw efpemeceW
DeOe#e leLee heyevOe efveosMeke, keee&heeueke efveosMeke leLee mejkeej eje
veeefcele efveosMeke neWies pees Jemetueer keer heieefle hej efveeefcele he mes efveiejeveer
jKeWies.
dated 21st November, 2012, in order to have a robust

monitoring mechanism for recovery, the Board is required
to constitute a Committee of the Board, consisting of
Chairman and Managing Director, Executive Directors and
Government Nominee Director, to monitor the progress in
recovery on regular basis.
yeQke ves 29 veJecyej, 2012 kees Deeeesefpele yees[& keer yew"ke ceW Jemetueer keer
cee@efveeEjie kes efueS meefceefle kee ie"ve efkeee.
The Bank at its Board meeting held on 29th November,

2012, constituted Committee for Monitoring of Recovery.
2013 is as under :
31.03.2013 kees Ge meefceefle keer mebjevee efvecveevegmeej nw:

(i)
eer Sme.Sme.cetbo[e
- DeOe#e SJeb heyevOe efveosMeke
(ii)
- keee&heeueke efveosMeke
(i)
Shri S. S. Mundra
Chairman and
Managing Director
(ii)
Shri P. Srinivas
Executive Director
Executive Director
(iii)
Executive Director
(iv)
eer jbpeve OeJeve
(v)
(v)
- Yeejle mejkeej eje veeefcele efveosMeke
GOI Nominee
Director
This newly formed Committee met on 19th March, 2013

- All members except Shri Alok Nigam attended the
meeting.
veJeieef"le meefceefle keer yew"ke 19 ceee&, 2013 kees Deeeesefpele keer ieF&. eer
Deeueeske efveiece kes Deefleefje meYeer meomeeW ves yew"ke ceW Yeeie efueee.
4.15 Mesej OeejkeeW efveosMekeeW kes egveeJe kes efueS heleeefMeeeW kes meceLe&ve
mebyebOeer meefceefle
efJeeere mesJeeSb efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej, veF& efouueer kes
efoMeeefveoxMeeW kes Devegmeej leLee he$e eceebke SHe.veb.16/112/2012-yeerDees-DeeF&
efoveebke 03 Dehewue, 2012 kes Devegmeej efJeeere mebmLeeDeeW ceW leLee meeJe&peefveke
#es$e keer yeercee kecheefveeeW efpeveceW nceeje yeQke meceeve Mesej Oeejke nw, ceW Mesej
OeejkeeW efveosMekeeW kes egveeJe kes efueS heleeefMeeeW kes meceLe&ve kes mebyebOe ceW efvecve
meomeeW kes meeLe yees[& keer meefceefle kee ie"ve efkeee ieee:
1. DeOe#e leLee heyevOe efveosMeke
2. keee&heeueke efveosMeke
3. eer Depee ceeLegj
4. eer jepeerye mesKej meent
yeQke ves 13.04.2012 kees Deeeesefpele efveosMeke ceb[ue keer yew"ke ceW efJeeere
mebmLeeDeeW leLee meeJe&peefveke #es$e keer yeercee kecheefveeeW kes Mesej OeejkeeW
efveosMekeeW kes egveeJe kes efueS heleeMeer kes meceLe&ve kes efueS meefceefle kee ie"ve
efkeee.
31.03.2013 kees meefceefle keer mebjevee efvecveevegmeej nw:
(i)
eer eer Sme.Sme.cetbo[e
(ii)
(v) eer Depee ceeLegj
efveosMeke
(vi) eer jepeerye mesKej meent
efveosMeke
efJeeere Je<e& 2012-13 kes oewjeve veJeieef"le meefceefle keer efvecveefueefKele leejerKeeW
hej -03- yew"keW Deeeesefpele keer ieF:
21.06.2012
Shri Alok Nigam
4.15 COMMITTEE TO SUPPORT CANDIDATES FOR

ELECTION OF SHAREHOLDER DIRECTORS
20.07.2012
In terms of the guidelines received from Ministry of

Finance, Government of India, Department of Financial
Services, New Delhi, vide letter No.16/11/2012-BO-I dated
3rd April, 2012, a committee of the Board, for supporting
candidates for election of Share Holder Directors in
Financial Institutions and Public sector Insurance
Companies in which our Bank has equity shareholding,
was constituted with the following members:
1.
2.
Executive Directors
3.
Shri Ajay Mathur
4.
The Bank at its Board meeting held on 13.04.2012,

constituted Committee to support candidates for election
of shareholder directors in Financial Institutions and Public
Sector Insurance Companies.
The composition of the Committee as on 31st March, 2013
is as under :
(i)
Shri S. S. Mundra
Chairman and
Managing Director
(ii)
Shri P. Srinivas
Executive Director
Executive Director
Executive Director
(v)
Director
Director
Shri Ajay Mathur
(vi) Shri Rajib Sekhar Sahoo
This newly formed Committee met - 3 - times during the

Financial Year 2012-13 as per the details below:
28.09.2012
119
2012-13
The details of attendance of directors are as under :

eer Sce.[er.ceuee
eer Depee ceeLegj
5.


Yeeie efueee

their tenure
3
Meetings Attended
Shri P. Srinivas
Shri Alok Nigam
Shri Ajay Mathur
Shri M. D. Mallya
5.
efveosMekeeW kee heeefjeefceke

iewj keee&heeueke efveosMekeeW keer ee$ee leLee "njves hej nesves Jeeues Jee
meefnle heeefjeefceke kee Yegieleeve jeêreke=le yeQke (heyevOeve SJeb efJeefJeOe
heeJeOeeve) eespevee, 1970 (eLee mebMeesefOele) keer Oeeje 17 ceW GequueefKele
MeleeX kes Deveghe mecee - mecee hej kesv mejkeej eje Yeejleere efjpeJe&
yeQke kes hejeceMe& mes eLee efveOee&efjle ceevekeeW kes Deveghe efkeee pee jne nw.
DeOe#e SJeb heyevOe efveosMeke leLee keee&heeueke efveosMeke kees heeefjeefceke kee
Yegieleeve Jesleve kes he ceW Yeejle mejkeej eje efveOee&efjle efveeceeW kes Deveghe
efkeee peelee nw. DeOe#e SJeb heyevOe efveosMeke leLee keee&heeueke efveosMekeeW kees
Yegieleeve efkeS ieS heeefjeefceke leLee keee&efve<heeove men heeslmeenve kee yeewje
efvecveevegmeej nw:
ke. efJeeere Je<e& 2012-13 kes oewjeve Jesleve kee Yegieleeve:
REMUnERATiOn OF DiRECTORS
The remuneration including travelling and halting expenses
to Non-Executive Directors which are being paid as
stipulated by the Central Government in consultation with
Reserve Bank of India from time to time in terms of Clause
17 of the Nationalized Banks (Management and
Miscellaneous Provisions) Scheme, 1970 (as amended).
The Chairman and Managing Director and Executive
Directors (Four whole time directors) are being paid
remuneration by way of salary as per rules framed by the
Government of India. The details of remuneration and
Performance Linked Incentives paid to Chairman and
Managing Director and Executive Director/s is detailed
below:
A. Salary paid during the Financial Year 2012-13 :
e. meb.
veece / Name
heoveece / Designation
Amount (`)
eer Sce.[er.ceuee
2445265
eer Sme.Sme.cetbo[e
349654
1752674
eer Sve. Sme. eerveeLe
676419
1200790
1222208
eer jbpeve OeJeve
665588
Sr. No
Shri M. D. Mallya
2
Shri S. S. Mundra
3
Shri N. S. Srinath
5
Shri P. Srinivas
6

7
Shri Ranjan Dhawan
120
Executive Director
Executive Director
Executive Director
Executive Director
Executive Director

B.
(Ke) Je<e& 2012-13 kes oewjeve keee&efve<heeove menye heeslmeenve kee Yegieleeve
2012-13
Performance Linked Incentives paid during

2012-13:
e. meb.
veece / Name
heoveece / Designation
Amount (`)
eer Sce.[er.ceuee
8,00,000
6,50,000
6,50,000
Sr. No
Shri M. D. Mallya
2

3
Executive Director
Shri N. S. Srinath
Executive Director
Je<e& 2012-13 kes oewjeve iewj keee&heeueke efveosMekeeW kees efoee ieee yew"ke menYeeefielee The Sitting Fee paid to the Non-Executive Directors during the
Meguke efJeJejCe efvecveevegmeej nw (hetCe&keeefueke efveosMekeeW leLee Yeejle mejkeej leLee Year 2012-13 is as under: (No sitting fee is payable to whole
Yeejleere efjpeJe& yeQke eje veeefcele efveosMeke kees efkemeer hekeej kee yew"ke menYeeefielee time directors and director representing Government of India
& RBI) :
Meguke ose veneR nw)
e. meb. efveosMeke kee veece
Yegieleeve keer ieF& jeefMe (.)
Sr. No.
1
2
3
4
5
6
7
8
6.

Shri V. B. Chavan
Shri Ajay Mathur

eer Depee ceeLegj
[e@ (eerceleer) cemej&le Meeefno
eer ceewefueve DejeEJeo Jew<CeJe
eer megjW eEmen Yeb[ejer
meeceeve meYee keer yew"keW

meeceeve meYee keer iele leerve Je<eeX kes oewjeve Deeeesefpele yew"keeW kee efJeJejCe
efvecveevegmeej nw:
yeQ"ke kee mJehe

Nature of Meeting
14 JeeR Jeee|<eke meeceeve yew"ke
14th Annual
General Meeting
6.
Amount Paid in `
230000
235000
390000
155000
280000
305000
280000
325000
GEnERAL BODY MEETinGS

The details of General Body Meetings held during the last
three years are given below:
efoveebke SJeb mecee

Date & Time
mLeeve
Venue
eeespeve
Purpose
5 pegueeF&, 2010
heele: 10.30 yepes
hees. meer. meer. cesnlee Dee@ef[esefjece,

pevejue SpetkesMeve meWj, cenejepee
meeepeerjeJe etefveJee|meer Dee@He ye[ewoe,
Je[esoje, 390002
yeQke kes 31 ceee&, 2010 kees meceehle DeJeefOe kes legueve he$e, 31 ceee&,
2010 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX SJeb
ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb uesKeeW
hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb mJeerkeej
kejvee leLee Je<e& 2009-10 kes efueS ueeYeebMe Ieesef<ele kejvee.
5th July, 2010

At 10.30 a.m.
Prof. C.C. Mehta Auditorium,

To discuss, approve and adopt the Balance Sheet
General Education Centre,
of the Bank as at 31st March, 2010, Profit and Loss
Maharaja Sayajirao University
Account for the year ended 31st March, 2010, the
of Baroda Vadodara 390 002
report of the Board of Directors on the working and
activities of the Bank for the period covered by the
Accounts and the Auditors Report on the Balance
Sheet and Accounts and to declare Dividend for the
year 2009 10.
DemeeOeejCe meeceeve yew"ke 29 ceee&, 2011

heele: 10.30 yepes
Extra Ordinary
General Meeting
hees. meer. meer. cesnlee Dee@ef[esefjece, pevejue mesyeer (hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee) efJeefveeceve, 2009
SpetkesMeve meWj, cenejepee meeepeerjeJe kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees 2,72,79,579
29th March, 2011 etefveJee|meer Dee@He ye[ewoe, Je[esoje, 390002 FeqkeJeer Mesej peejer kejves Deewj DeeJebefle kejves kes efueS Mesej OeejkeeW
Prof. C.C. Mehta Auditorium, kee Devegceesove uesvee.
at 10.30 a.m.
To seek approval of the shareholders for issuing and
General Education Centre,
Maharaja Sayajirao University allotting 2,72,79,579 equity shares to Government
of Baroda Vadodara 390 002 of India on preferential basis in terms of SEBI (Issue
of Capital & Disclosure Requirements) Regulations,
2009.
121
yeQ"ke kee mJehe

Nature of Meeting Date & Time
2012-13
mLeeve
Venue
eeespeve
Purpose
15JeeR Jeee| < eke meeceeve 4 pegueeF&, 2011 heele: mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej
yew"ke
10.30 yepes
mesJee meove, yeQke Dee@He ye[ewoe Meleeyoer Je<e&
15th Annual
04th July, 2011 at (20072008)er.heer.-1 SHe.heer.549/1
General Meeting
peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[,
10.30 a.m.
Dekeese, Je[esoje 390020
yeQke kes 31 ceee&, 2011 kees meceehle DeJeefOe kes legueve he$e, 31
ceee&, 2011 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX
SJeb ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb
uesKeeW hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb
mJeerkeej kejvee leLee Je<e& 2010-11 kes efueS ueeYeebMe Ieesef<ele kejvee
DemeeOeejCe meeceeve yew"ke 23 ef o meb y ej, 2011 mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej
heele: 10.00 yepes
Extra Ordinary
23rd December, (20072008)er.heer.-1 SHe.heer.549/1
General Meeting
2011 at 10.00
a.m.
mesyeer (hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee) efJeefveeceve, 2009

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees . 775 kejes[
kes FeqkeJeer Mesej/ Jeejb peejer kejves Deewj DeeJebefle kejves kes efueS
MesejOeejkeeW kee Devegceesove uesvee leLee yeQkekeejer kecheveer (GheeceeW kee
Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 keer Oeeje 9(3)(i) SJeb yeQke Dee@He
ye[ewoe meeceeve (Mesej SJeb yew"ke) efJeefveeceve, 1998 keer Devegheeuevee ceW
kesv mejkeej mes efYeVe MesejOeejkeeW ceW mes leerve MesejOeejke efveosMekeeW
kee efveJee&eve kejvee.
Sir Sayajirao Nagargriha,

Vadodara Mahanagar Seva
Sadan, Bank of Baroda
Centenary Year (2007-2008)
T.P.-1, F.P. 549/1, Near GEB
Colony, Old Padra Road,
Akota, Vadodara 390 020
Sir Sayaji Rao Nagargriha,

T.P.-1, F.P. 549/1, Near GEB
Vadodara390020

heele: 10.00 yepes
Extra Ordinary

of the Bank as at 31st March 2011, Profit and Loss
Account for the year ended 31st March 2011 the
accounts and the Auditors Report on the Balance
Sheet and Accounts and to declare dividend for the
year 2010-11.
To seek approval of the shareholders for issuing

and to allot equity shares/warrants, aggregating to
Rs.775 crores to Government of India on preferential
basis in terms of SEBI (Issue of Capital & Disclosure
Requirements) Regulations, 2009 and to elect
THREE Shareholder Directors of the Bank amongst
shareholders, other than the Central Government, in
terms of Section 9 (3) (i) of the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970
and Bank of Baroda General (Shares and Meetings)
Regulations, 1998.
mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej

27th March, 2012 (20072008)er.heer.-1 SHe.heer.549/1
at 10.00 a.m.
mesyeer hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee efJeefveeceve, 2009

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejleere peerJeve yeercee efveiece kees
leLee / DeLeJee Yeejleere peerJeve yeercee efveiece keer efJeefYeVe eespeveeDeeW
/ cegegDeue Heb[eW kes efueS 1,95,77,304 FeqkeJeer Mesej peejer kejves
Deewj DeeJebefle kejves kes efueS MesejOeejkeeW kee Devegceesove heehle kejvee.
16 Jeer Jeee|<eke meeceeve 28 petve, 2012 heele: mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej
yew"ke
10.30 yepes
mesJee meove, yeQke Dee@]He ye[ewoe Meleeyoer Je<e&
16th Annual
28th June, 2012 (2007-2008) er.heer-1, SHe.heer. 549/1,
General Meeting
at 10.30 a.m.
Dekeese, Je[esoje 390 020
yeQke kes 31 ceee&, 2012 kees meceehle DeJeefOe kes legueve he$e, 31 ceee&,
2012 kees meceehle Je<e& kes ueeYe SJeb neefve Keeles, yeQke keeeeX SJeb
ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& leLee legueve he$e SJeb uesKeeW
hej uesKee hejer#ekeeW keer efjhees& hej eee&, Fmekee Devegceesove SJeb mJeerkeej
kejvee leLee Je<e& 2011-12 kes efueS ueeYeebMe Ieesef<ele kejvee.
General Meeting

T.P.-1, F.P. 549/1, Near GEB
Vadodara390020
Sir Sayajirao Nagargriha,

T.P.-1, F.P. 549/1, Near GEB
Colony, Old Padra Road, Akota,
Vadodara 390 020
122

and to allot upto 1,95,77,304 equity shares to Life
Insurance Corporation of India and/or various
Schemes of Life Insurance Corporation of India
(LIC)/ Mutual Funds on preferential basis in terms of
SEBI (Issue of Capital & Disclosure Requirements)
Regulations, 2009.

of the Bank as at 31st March 2012, Profit and Loss
Account for the year ended 31st March 2012 the
accounts and the Auditors Report on the Balance
Sheet and Accounts and to declare dividend for the
year 2011-12.

yeQ"ke kee mJehe
Nature of Meeting Date & Time
mLeeve
Venue
eeespeve
Purpose

heele: 10.00 yepes
Extra Ordinary
General Meeting
mej meeepeerjeJe veiej ie=n, Je[esoje ceneveiej

11th March, 2013 (20072008)er.heer.-1 SHe.heer.549/1
at 10.00 a.m.
T.P.-1, F.P. 549/1, Near GEB
Vadodara390020
7.
HekeerkejCe
(ke) mecye heeea mebJeJenejeW kee hekeerkejCe KeeleeW hej efhheefCeeeB Meer<e&
kes Debleie&le efkeee ieee nw.
(Ke) yeQke hej efheues leerve Je<eeX kes oewjeve hetbpeer yeepeej mes mecye efkemeer Yeer
ceeceues ceW efkemeer Yeer efJeefveeeceke heeefOekeejer DeLee&le me@ke SkemeeWpe
Deewj / DeLeJee mesyeer eje efkemeer efveece, efveoxMeeW SJeb efoMeeefveoxMeeW kee
Devegheeueve ve kejves kes efueS ve lees keesF& ob[ ueieeee ieee nw Deewj ve
ner efkemeer hekeej keer Yelme&vee keer ieF& nw.
(ie) efveosMekeeW ves metefele efkeee nw efke 31 ceee&, 2013 kees efveosMekeeW kes
yeere efkemeer hekeej kee heejmheefjke mecyevOe veneR nww.
8. DeefveJeee& Deewj iewj-DeefveJeee& DeeJeMekeleeSb

yeQke ves me@ke SkemeeWpeeW, peneB yeQke kes Mesej meteerye nQ, kes meeLe efkeS ieS
meteereve kejej kes mebMeesefOele Keb[ 49 ceW eLee GheyeeqvOele meYeer ueeiet DeefveJeee&
DeeJeMekeleeDeeW kee Devegheeueve efkeee nw.
iewj DeefveJeee& DeeJeMekeleeDeeW kes keeee&vJeeve keer ceewpetoe eqmLeefle Fme hekeej
nw:
ece meb. iewj-DeefveJeee& DeeJeMekeleeSb
2012-13
7.
mesyeer hetbpeer efveie&ce SJeb hekeerkejCe DeeJeMekelee efJeefveeceve, 2009

kes Devegmeej DeefOeceeveer DeeOeej hej Yeejle mejkeej kees 1,01,32,920
FeqkeJeer Mesej peejer kejves Deewj DeeJebefle kejves kes efueS MesejOeejkeeW
kee Devegceesove heehle kejvee.
and to allot upto 1,01,32,920 equity shares to
Government of India (GOI) on preferential basis
in terms of SEBI (Issue of Capital & Disclosure
Requirements) Regulations, 2009.
DiSCLOSURES
a)
The Related Party Transactions are disclosed in the

Notes on Accounts.
b)
No penalties and strictures have been imposed on

the Bank by the Stock Exchange and /or SEBI for
non-compliance of any law, guidelines and directives,
on any matters related to capital markets, during the
last three years.
c)
Directors have disclosed that they have no

relationship between directors inter-se as on 31st
March 2013.
8. MAnDATORY AnD nOn-MAnDATORY REQUiREMEnTS

The Bank has complied with all the applicable mandatory
requirements as provided in Revised Clause 49 of the
Listing Agreement entered into with the Stock Exchanges
where Banks shares are listed.
The extent of implementation of non-mandatory
requirements is as under:
keeee&vJeeve keer efmLeefle
Status of Implementation
Sr. No. Non-mandatory requirements
1
DeOe#e kes keeee&uee kee jKejKeeJe, iewj keee&heeueke DeOe#e, kecheveer kes Kee& ueeiet veneR, keeeWekf e DeOe#e kee heo keee&heeueke kee heo nw.
hej kejWies.
Not Applicable, since the Chairmans position is Executive.
Non-executive Chairman to maintain Chairmans Office at
companys expense.
2
efveosMeke ceb[ue Ske heeefjeefceke meefceefle ieef"le kejsiee pees keee&heeueke efveosMekeeW ueeiet veneR, keee&heeueke efveosMeke, Yeejle mejkeej eje efveele Jesleve heehle kejles nQ. leLeeefhe,
kes efueS efJeefMe heeefjeefceke hewkespe mecyevOeer kecheveer keer heeefjeefceke veerelf e leweej kesv mejkeej eje peejer efoMeeefveoxMeeW kes Deveghe keee&evf e<heeove menye heels meenve hej efJeeej
kejsieer.
kejves kes efueS Ske heeefjeefceke meefceefle keee&jle nw.
Board to set-up a Remuneration Committee to formulate Not applicable, as Executive Directors draw salary as fixed by the
companys remuneration policy on specific remuneration Government of India. However a Remuneration Committee is in
package for Executive Directors.
operation to consider Performance Linked Incentive for executive
directors in terms of guidelines issued by the Central Government.
3
iele -6- ceen kes oewjeve cenlJehetCe& IeveeDeeW kes meejebMe meefnle efJeeere 30.09.2012 kees meceehle ceener kes efueS yeQke ves iele -6- ceen kes oewjeve cenlJehetCe& IeveeDeeW
keee&evf e<heeove keer ceener Iees<eCee MesejOeejkees kees Yespeer peees
kes meejebMe meefnle efJeeere keee&evf e<heeove kee ceener heefjCeece heleske MesejOeejke kees Yespe
Half-yearly declaration of financial performance including efoee nw. Fmekes Deefleefje yeQke kes efJeeere heefjCeece yeQke keer yesyemeeF& hej [eues peeles nQ.
summary of significant events in last six months to be sent The Bank has sent half-yearly financial results for the half year ended
30.09.2012 including summary of significant developments during
to shareholders.
last six months to each shareholder. Besides the financial results are
posted on Banks website.
kecheveer kees DevekeJeeueerHeeF[ efJeeere efJeJejefCeeeW keer JeJemLee kees Deheveevee eeefnS. yeQke ves DevekeJeeefueHeeF[ efJeeere efJeJejefCeeeW keer Deesj Deiemej nesves kes efueS keF& keoce G"eS nw.
Company may move towards regime of unqualified The Bank has initiated steps for moving towards achieving unqualified
financial statements.
financial statements.
123
2012-13
ece meb. iewj-DeefveJeee& DeeJeMekeleeSb
keeee&vJeeve keer efmLeefle
Status of Implementation
Sr. No. Non-mandatory requirements
5
kebheveer efveosMeke ceC[ue kes meomeeW kees efveosMeke kes he ceW efpeccesoejer Jenve Deewj efveosMeke ceb[ue eje DeheveeS ieS JeeJemeeefeke cee@[ue Deewj peeseKf ece heeHs eeFue kes meeLe-meeLe
Gvekee meJeexece { ib e mes efveJe&nve kejves kes efueS kecheveer kes JeeJemeeefeke cee@[ue Deeeej mebenf lee keer mechetCe& peevekeejer yees[& kes heleske meome kees mebhees <f ele keer ieF& nw. yeQke S[Jeebm[
ceW heeMf eef#ele kejves kes meeLe-meeLe kecheveer kes JeeJemeeefeke ceeveob[eW keer peeseKf ece HeeFveWeMf eeue uee|veie nsleg efveosMekeeW kees Yeejleere efjpeJe& yeQke, cegcyeF& Deee[erDeejyeerer, nwojeyeeo
heeHs eeFue kes yeejs ceW heeMf eef#ele kejW.W
leLee vesMeveue meke SkemeeWpe Dee@H] e Fbe[f ee efue., cegyb eF& hej heeMf e#eCe nsleg veeefcele kejlee nw.
Company may train Board Members in the Business Model
of the Company as well as risk profile of the business
parameters of the company, the responsibilities as Director
and the best way to discharge them.
efveosMeke ceb[ue kes Deve meomeeW eje iewj-keee&heeueke efveosMekeeW kes keee&- Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Deveghe Ske veeceebkeve meefceefle kee ie"ve efkeee ieee
efve<heeove kee cetueebkeve Deewj iewj-keee&heeueke efveosMekeeW kes efveosMeke heo hej yeves nw leLee eeefvele / veeefcele efveosMekeeW hej yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)
jnves ee DeveLee efveCe&e uesvee.
DeefOeefveece, 1970 keer Oeeje 9(3) (DeeF&) kes DeOeerve efHe SC[ heeh@ ej efoMee-efveoxMe ueeiet nesles nQ.
The evaluation of performance of non-executive Directors
by other members of the Board and to decide to continue
or otherwise of the Directorship of the non-executive
Directors.
A complete overview of the Business Model and risk profile along

with Code of Conduct adopted by the Board of Directors has been
communicated to each member of the Board. The Bank nominates
Directors for training at Centre for Advanced Financial Learning of
RBI, Mumbai, IDRBT, Hyderabad and National Stock Exchange of
India Ltd., Mumbai.
A Nomination Committee has been constituted in terms of Reserve

Bank of India Guidelines and the elected directors under clause 9(3)(i)
of The Banking Companies (Acquisition & Transfer of Undertakings)
Act, 1970 are subject to determination of fit & proper status.
kecheveer Devewelf eke JeJenej, JeemleefJeke DeLeJee mevosnemheo OeesKeeOe[er Deeefo kes yeQke peveefnle hekeerkejCe leLee metevee heoeleeDeeW kes mebj#eCe hemleeJe (heerDeeF&[erheerDeeF&) kes
mevoYe& ceW heyevOeve keer eEeleeDeeW kes yeejs ceW efjhees& kejves kes efueS hetJe& mebkesle osves lenle efyemeue yueesDej efMekeeeleeW kes efueS kesvere meleke&lee Deeeesie kes efoMeeefveoxMeeW kee
Jeeueer (efyemeue yueesDej) veerelf e yeveeS.
DevegmejCe kejlee nw. Fmekes Deefleefje yeQke keer Deheveer keesF& efyemeue yueesDej veerelf e veneR nw.
The Company to establish the Whistle Blower Policy Bank follows Central Vigilance Commission Guidelines on Whistle
for reporting management concerns about unethical Blower complaints under Public Interest Disclosure and Protection
behaviors, actual or suspected fraud, etc.
of Informers (PIDPI) resolution. Apart from that Bank does not have
any Whistle Blower Policy of its own.
9.
mebhes<eCe kes meeOeve
yeQke ceewpetoe efJekeefmele metevee heeweesefiekeer SJeb mebeej kes meeOeveeW kes ceeOece
mes Deheves meomeeW Deewj efnleOeejkeeW kees Gvekes efnleeW mes mecye peevekeeefjeeW
kes yeejs ceW metefele kejves keer DeeJeMekelee mecePelee nw.
yeQke kes efJeeere heefjCeeceeW kees efveosMeke ceC[ue keer yew"ke ceW Gvekes Devegceesove
kes heeele yew"ke keer meceeeqhle hej lelkeeue Gve me@ke SkemeeWpeeW kees hemlegle
efkeee peelee nw peneB hej yeQke keer heefleYetefleeeB meteerye nQ. es heefjCeece oes
ee DeefOeke meceeeej he$eeW ceW Yeer hekeeefMele kejJeeS peeles nQ efpeveceW mes Ske
Ssmee meceeeej he$e neslee nw efpemekee hemeej hetjs Yeejle ceW nes Deewj otmeje
meceeeej he$e Ssmee neslee nw efpemekee hemeej iegpejele jepe ceW nes, peneB yeQke
kee heOeeve keeee&uee eqmLele nw. yeQke ceener DeeOeej hej Deheves MesejOeejkeeW
kees heefjCeeceeW keer heefle hesef<ele kejlee nw. yeQke Deheves efJeeere heefjCeeceeW leLee
YeeJeer eespeveeDeeW keer Iees<eCee kejves kes efueS Svesefuem yew"keW, hesme kee@bHeWme
Fleeefo Yeer Deeeesefpele kejlee nw.
yeQke kes efleceener / Fej t [s / Jeee|<eke efJeeere heefjCeeceeW kes meeLe-meeLe
Svesefuem kees efoS ieS hespeWsMeve keer heefle leLee Deve DeeefOekeeefjke meceeeej
yeQke keer yesyemeeF http://www.bankofbaroda.com. hej GheueyOe
jnles nQ. Svesefuem yew"ke ceW keer ieF& hemlegefle kes yesyekeem (meerOee hemeejCe
Deewj mebie=efnle) kees osKeves nsleg yesyemeeF ceW eEueke GheueyOe kejeee peelee nw.
10. keeheexjs ieJeveXme kes lenle heee&JejCe Gheee
(ke) meYeer MesejOeejkeeW efpevekes heeme Mesej Yeewefleke he ceW nQ, mes DevegjesOe nw kes
Jes Dehevee F&-cesue DeeF&[er nceejs heeme ee nceejs jefpemêj kes heeme efpemekee
helee Fme efjhees& ceW Deve$e efoee ieee nw, kes heeme hebpeer ke=le kejJee oW leeefke
nce omleeJespe, veesefme, meches<eCe, Jeee|<eke efjhees& Deeefo F&-cesue kes ceeOece mes
Yespe mekeW.
(Ke) Jes MesejOeejke efpevekes heeme Mesej DeYeewefleke he ceW nQ, Gvemes DevegjesOe nw
efke Jes Gheeg&e heeespeve kes efueS Deheves F&-cesue DeeF&[er mecyeeqvOele ef[heesefpejer
heefleYeeieer kes heeme hebpeerke=le kejJee oW.
124
9.
MEAnS OF COMMUniCATiOn
The Bank recognizes the need for keeping its members
and stakeholders informed of the events of their interests
through present means of communication.
The financial results of the Bank are submitted to the stock
exchanges, where the securities of the Bank are listed,
immediately after the conclusion of the Board Meeting
approving the same. The results are also published in
minimum two or more newspapers, one circulating in the
whole or substantially the whole of India and the other
circulating in the state of Gujarat where the Head Office
of the Bank is situated. The Bank furnishes results to the
Shareholders on Half Yearly basis. The Bank also
organizes analysts-meets, press conferences, etc. for
announcing Banks financial results and its future plans.
The Quarterly / Year to Date / Annual Financial Results of
the Bank as well as the copy of presentation made to
Analysts and other official news are posted on the Banks
Website http://www.bankofbaroda.com. The web cast
(live and archived) of presentation made to Analysts Meet
is made accessible from links uploaded in the website.
10. GREEn iniTiATiVE UnDER CORPORATE GOVERnAnCE:

a.
the shareholders having shares in physical form are

requested to register their e-mail ids with us or our
Registrars, at the address given elsewhere in this
report, to enable us to serve any document, notice,
communication, annual reports etc. through e-mail.
b.
the shareholders holding shares in Demat form are

requested to register their e-mail ID with their
respective Depository Participant for the above
purpose.

11. heejoe|Melee Deewj Devegheeueve DeefOekeejer
efvecveefueefKele Deefleefje keee& nceejs yeQke kes keeheexjs ceskesefvepce kes Debleie&le
DeefOeke mes DeefOeke hekeerkejCe SJeb Devegheeueve kes heefle yeQke keer heefleyelee
kees Deewj Yeer Jeeheke yeveeles nQ::
11.1 heejoe|Melee DeefOekeejer
kesvere metevee Deeege (meerDeeF&meer) kes efveoxMeeW kes Devegmeej yeQke ves HejJejer
2011 mes Deheves Ske Jeefj DeefOekeejer kees heejoe|Melee DeefOekeejer kes he ceW
efveege efkeee nw. en heejoe|Melee DeefOekeejer efvecveefueefKele kes efueS Gejoeeer
nesiee:
l
ueeske heeefOekeeefjeeW kes yeewjs mes mecye metevee DeefOekeej (DeejerDeeF&)
DeefOeefveece keer Oeeje 4 kes Devegheeueve keer eqmLeefle keer mebJeer#ee kejvee Deewj
GmeceW ngF& heieefle mes Ge heyevOeve kees DeJeiele kejevee.
l
DeejerDeeF& DeefOeefveece kes Devegheeueve ceW heieefle kes efJe<ee ceW meerDeeF&meer kes
efueS FbjHesme kes he ceW keee& kejvee.
l
kesvere ueeske metevee DeefOekeejer (meerheerDeeF&Dees), kesvere ueeske metevee
DeefOekeeefjeeW (meerheerDeeF&Dees) eje efkeS ieS DeejerDeeF& DevegjesOeeW kes mecyevOe
ceW mekeejelceke Deewj mecee hej Gej osves nsleg Devegketue heefjeqmLeefleeeB efvee|cele
kejves nsleg heeslmeeefnle kejves kes efueS meneesie heoeve kejvee.
l
DeejerDeeF& mes mecye meYeer ceeceueeW ceW pevelee kes efueS Ske mecheke& efyevog
yeveevee.
yeQke kes efveoxMeevegmeej efveOee&efjle heehe ceW mecemle peevekeejer yesyemeeF& hej Deheuees[
keer ieF& nw Deewj en peevekeejer mecee mecee hej Deeleve keer peeleer nw.
11.2 Devegheeueve mebyebOeer keee&
Yeejleere efjpeJe& yeQke kes efveoxMeeW kes Devegmeej 2007 mes Devegheeueve efJeYeeie keer
mLeehevee keer ieF& nw. en efJeYeeie efJeefYeVe efJeOeeeer mebmLeeDeeW pewmes yeQkekeejer
efJeefveeceve DeefOeefveece, Yeejleere efjpeJe& yeQke DeefOeefveece, efJeosMeer cege
heyevOeve DeefOeefveece, OeveMeesOeve efveJeejCe DeefOeefveece Deeefo ceW GequueefKele
efJeefJeOe meebefJeefOeke heeJeOeeveeW kee ke[e Devegheeueve megefveeqele kejlee nw, meeLe
ner, mecee mecee hej peejer efkeS ieS Deve efveeb$eke efoMeeefveoxMeeW, Yeejleere
yeQeEkeie meeqvnlee SJeb ceeveke yees[& eje efveOee&efjle efkeS ieS ceevekeeW SJeb
mebefnleeDeeW, Yeejleere yeQke mebIe, Yeejleere efJeosMeer cege Jeeheejer mebIe (HesoeF&),
efHekem[ Fvekece ceveer ceekex [sjerFJesefJpe SmeesefmeSMeve Dee@He Fbef[ee
(SHeDeeF&SceSce[erS), kesJeeemeer ceeveob[eW / efoMeeefveoxMeeW kee leLee heleske
yeQke keer Deebleefjke veerefleeeW SJeb Gefele JeJenej mebeqnlee kee Yeer Devegheeueve
megefveeqele kejlee nw. Devegheeueve keevetveeW, efveece SJeb ceevekeeW ceW meeceeveleee
yeepeej JeJenejeW kes mecegefele ceevekeeW kee Devegheeueve, hejmhej celeYesoeW kees
meguePeeles ngS efnleeW keer megj#ee, ieenkeeW mes mecegefele JeJenej kejvee SJeb
ieenke hejeceMe& keer mecegefelelee megefveeqele kejves pewmes ceeceueeW kee meceeJesMe
neslee nw.
12. MesejOeejkeeW mes mebye metevee
yeQke kes Mesej Yeejle ceW efvecveefueefKele hecegKe me@ke SkemeeWpeeW ceW meteerye nQ:
yee@cyes me@ke SkemeeWpe efueefces[
efHejespe peerpeerYeeF& eJeme&, 25Jeeb leue,
oueeue mêr, Hees&,
cegbyeF& 400 001
yeerSmeF& kees[ : 532134
vesMeveue me@ke SkemeeWpe Dee@He Fbef[ee efue.
SkemeeWpe hueepee
yeebe-keguee& kee@chueskeme,
yeebe (hetJe&),
cegbyeF& - 400 051
SveSmeF& kees[ : BANKBARODA
2012-13
11. TRAnSPAREnCY & COMPLiAnCE OFFiCER

Further following additional functions also enhance Banks
commitment to more & more disclosures and compliance
under corporate Governance mechanism of our Bank.
11.1 Transparency Officer
As per the directions of Central Information Commissioner
(CIC), Bank has appointed one of the Senior Officer as
Transparency Officer since February 2011. The
Transparency Officer is responsible for the following.
l
To oversee the implementation of the Section 4 of Right
To information (RTI) Act detailing with obligations of public
authorities and to apprise the top management of its
progress.
l
To be the interface for the CIC regarding the progress in
implementation of RTI act.
l
Help promote congenial conditions for positive and timely
response to RTI-request by Central Pubic Information
Officers (CPIOs), deemed-CPIOs.
l
To be a contact point for the public in all RTI-related
matters.
The bank has uploaded all the information as directed in
the specified format on website and this information is
updated from time to time.
11.2 Compliance Function
The compliance department is set up since 2007 as per
RBI directions. The department is ensuring strict
observance of all statutory provisions contained in various
legislations such as Banking Regulation Act, Reserve
Bank of India Act, Foreign Exchange Management Act,
Prevention of Money Laundering Act etc. as well as to
ensure observance of other regulatory guidelines issued
from time to time; standards and codes prescribed by
Banking Codes & Standards Board of India, IBA, Foreign
Exchange Dealers Association of India (FEDAI), Fixed
Income Money Market Derivatives Association of India
(FIMMDA), KYC Norms/ Guidelines and also each bank's
internal policies and fair practices code. Compliance laws,
rules and standards generally cover matters such as
observing proper standards of market conduct, managing
conflicts of interest, treating customers fairly, and ensuring
the suitability of customer advice.
12.
ShAREhOLDERS inFORMATiOn
The Banks shares are listed on the following major Stock
Exchanges in India:
BSE Ltd.,
Phiroze Jeejeebhoy Towers
25th Floor, Dalal Street
Fort, Mumbai - 400 001
BSE CODE : 532134
National Stock Exchange of India Ltd.,
Exchange Plaza
Bandra Kurla Complex,
Bandra,(East),
Mumbai - 400 051
NSE CODE : BANKBARODA
125
2012-13
SkemeeWpeeW ceW meteerye meYeer heefleYetefleeeW kes mecyevOe ceW Deye leke kes Jeee|<eke
meteereve Meguke kee Yegieleeve kej efoee ieee nww.
The annual listing fees in respect of all the securities listed

with the exchange(s) have been paid till date.
12.1: Dematerialization of Securities
12.1. heefleYetefleeeW kee De-YeeweflekeerkejCe

yeQke kes Mesej mesyeer keer DeefveJeee& DeYeewefleke meteer kes Debleie&le Deeles nQ Deewj yeQke
ves Deheves MesejeW kes DeYeeweflekeerkejCe kes efueS vesMeveue efmekeeesefjer ef[heesefpejer
efueefces[ (SveSme[erSue) leLee meWûe ef[heesefpejer mee|Jemespe (Fbef[ee) efueefces[
(meer[erSmeSue) kes meeLe kejej efkeee nw. MesejOeejke SveSme[erSue leLee
meer[erSmeSue kes heeme Deheves Mesej kees DeYeeweflekeerke=le kejJee mekeles nQ.
31 ceee&, 2013 kees yeQke kes heeme FeqkeJeer Mesej efvecveevegmeej hele#e SJeb
DeYeewefleke he ceW Oeeefjle nQ, efpevekee yeewje efvecveevegmeej nw:
Oeeefjlee kee mJehe
Nature of Holding
Yeewefleke
The shares of the Bank are under compulsory demat list

of SEBI and the Bank has entered in to Agreements with
National Securities Depository Limited (NSDL) and
Central Depository Services (India) Limited (CDSL) for
dematerialization of Banks shares. Shareholders can get
their shares dematerialized with either NSDL or CDSL.
As on March 31, 2013 the Bank has following number of
Equity Shares in physical and dematerialized form, as
per the detail given below.
ceeceues / Cases
Mesej / Shares
eefleMele / Percentage
PHYSICAL
50212
17991040
4.27
SveSme[erue (DeYeeweflekeerke=le)
NSDL (Dematerialized)
94194
175985024
41.78
meer[erSmeSue (DeYeeweflekeerke=le)
CDSL (Dematerialized)
34196
227280239
53.95
kegue
Total:
178602
421256303
100.00
yeQke eje Je<e& 2003 ceW 27,38,300 FeqkeJeer Mesej peyle efkeS ieS efpeveceW mes
31 ceee&, 2013 leke 4800 FeqkeJeer Mesej (Svetu[) DeefYeMetve efkeS ieS.
12.2: Fueskeê@efveke meceeMeesOeve mesJeeSb (F&meerSme)
The Bank had forfeited 27,38,300 equity share in the year

2003 and out of the same 4800 equity shares were
annulled up to 31st March 2013.
12.2: National Electronic Clearing Services (NECS):
jeêre Fuewkeêsefveke meceeMeesOeve mesJeeSb (SveF&meerSme) Yegieleeve kee Ske

DeeOegefveke lejerkee nw efpemeceW ueeYeebMe / yeepe Fleeefo keer jeefMeeeB mecyeeqvOele
efveJesMekeeW kes yeQke Keeles ceW meerOes ner pecee kej oer peeleer nQ. yeQke ves Deheves
MesejOeejkeeW kees Yeejleere efjpeJe& yeQke keer vesMeveue F&meerSme megefJeOee kes lenle
keJej meYeer kesveW hej GheueyOe Fme megefJeOee kee Fmlesceeue kejves kes efJekeuhe
kes meeLe mesJeeSb hesMe keer nQ.
National Electronic Clearing Services (NECS) is a modern

method of payment where the amounts of dividend/
interest etc., are directly credited to the bank accounts of
the Investors concerned. The Bank has offered the
services to the shareholders with an option to avail the
facility at all the centers covered by Reserve Bank of India
under its National ECS facility.
SveF&meerSme / [eejske esef[ ceW[s hehe$e Jeee|<eke efjhees& kes meeLe mebueive nw.
The NECS/ Direct Credit mandate form is appended with

the Annual Report.
12.3: Mesej DeblejCe heCeeueer leLee efveJesMekeeW keer efMekeeeleeW kee efveJeejCe
yeQke megefveeqele kejlee nw efke MesejeW kee DeblejCe mecyevOeer mecemle keee&
Gvekeer hemlegefle keer leejerKe mes 15 efove kes Yeerlej efJeefOeJele he mes mecheVe
nes peeS. yees[& ves MesejeW Deewj yee@C[eW kes DeblejCe leLee Deve mecye ceeceueeW
hej efJeeej kejves kes efueS MesejOeejke / efveJesMeke efMekeeele meefceefle Deewj
Mesej DeblejCe meefceefle ieef"le keer nw. es meefceefleeeB efveeefcele Deblejeue
hej yew"ke Deeeesefpele kejleer nQ Deewj efveJesMeke-efMekeeeleeW keer eqmLeefle keer
meceer#ee kejleer nQ.
12.3: Share Transfer System and Redressal of Investors

Grievances
The Bank ensures that all transfers of Shares are duly
affected within a period of -15- days from the date of their
lodgment. The Board has constituted Shareholders/
Investors Grievances Committee to monitor and review
the progress in redressal of general shareholders and
investors grievances and Shares Transfer Committee to
consider transfer of Shares and Bonds and other related
matters. The Committees meet at regular intervals and
review the status of Investors' Grievances.
yeQke ves cew. keeJeea kechetjMesej hee.efue. kees Deheves jefpemêj Deewj DeblejCe
SpeW kes he ceW efveege efkeee nw efpemekee keee& Mesej / yee@C[ DeblejCe,
ueeYeebMe / yeepe Yegieleeve kees heesmesme kejvee, MesejOeejkeeW kes DevegjesOe
ope& kejvee, efveJesMekeeW keer efMekeeeleeW kee meceeOeeve leLee Mesej / yee@C[
peejer kejves mecyevOeer Deve ieefleefJeefOeeeW / keeeeX kees megefveeqele kejvee
nw. efveJesMeke Deheves DeblejCe efJeuesKe / DevegjesOe / efMekeeeleW efvecve heles hej
jefpemêj kees efYepeJee mekeles nQ.
The Bank has appointed M/s. Karvy Computershare

Private Limited as its Registrars and Transfer Agent with
a mandate to process transfer of Shares / Bonds, dividend
/ interest payments, recording of Shareholders requests,
solution of investors grievances amongst other activities
connected with the issue of Shares / Bonds. The
Investors may lodge their transfer deeds / requests /
complaints with the Registrars at following address:
ceQ. keeJeea kebhetjMesej hee.efue. (etefve: yeQke Dee@]He ye[ewoe)
M/S Karvy Computershare Private Limited

(Unit: Bank of Baroda)
126
Plot No.17 to 24, Near Image Hospital

Vittalrao Nagar, Madhapur
Hyderabad - 500 081
Phone: (040) 23420815 to 820, Fax: (040) 23420814
E Mail: einward.ris@karvy.com
huee@ veb.17 mes 24, Fcespe Demheleeue kes heeme

efJeuejeJe veiej, ceeOeehegj
nwojeyeeo - 500 081
Heesve: (040) 23420815 mes 820, Hewkeme: (040) 23420814
F&-cesue : einward.ris@karvy.com
The Bank has also established Investors' Services

Department, headed by the Company Secretary at
Corporate Office, Mumbai wherein shareholders can mail
their requests / complaints for resolution at the address
given below. They can also send their complaints/
requests at the address given below at Head Office,
Vadodara:
yeQke ves efveJesMeke mesJeeSb efJeYeeie keer mLeehevee keeheexjs keeee&uee, cegcyeF& ceW Yeer
keer nw, efpemekes heYeejer kecheveer meefeJe nQ. peneB MesejOeejke Deheves DevegjesOeeW /
efMekeeeleeW kees meceeOeeve nsleg efvecveefueefKele heles hej Yespe mekeles nQ. Jes Deheveer
efMekeeeleW / DevegjesOe heOeeve keeee&uee, Je[esoje kees efvecveefueefKele heles hej Yeer
Yespe mekeles nQ:
yeQke Dee@]He ye[ewoe
efveJesMeke, mesJee efJeYeeie le=leere leue,
ye[ewoe keeheexjs meWj
meer-26, peer-yuee@ke, yeebe-keguee& kee@chueskeme
yeebe (hetJe&), cegbyeF& 400 051
sueerHeesve : (022) 66985000, 6698 5812
/ 5846
Hewkeme : (022) 2652 6660
F&-cesue : investorservices@
Bank of Baroda
Investors Services Department
3rd Floor, Baroda Corporate Centre
C-26, G-Block, Bandra-Kurla Complex
Bandra (East), Mumbai 400 051
Telephone : (022) 66985000, 6698
5812 / 5846
Fax : (022) 2652 6660
E mail : investorservices@
bankofbaroda.com
(The aforesaid e-mail ID is exclusively
designated for investors' complaints
pursuant to Clause 47(F) of the listing
agreement with Stock Exchanges)

cegKe heyebOeke
ieenke mesJee Dee"Jeeb leue, metjpe hueepee I,
meeepeeriebpe,
Je[esoje 390 005
sueerHeesve : 0265 2361724
Hewkeme veb. : 0265 2361824
F&-cesue: customerservice@
bankofbaroda.com
bankofbaroda.com
(Ge F&-cesue DeeF&[er efJeMes<e he mes me@ke

SkemeeWpeeW kes meeLe meteerye nesves kes kejej
kes Keb[ 47(SHe) kes DevegmejCe ceW efveJesMekeeW keer
efMekeeeleeW nsleg yeveeee ieee nw)
13. keeheexjs ieJevexme jseEie
13.
yeQke Dee@He ye[ewoe meeJe&peefveke #es$e kee henuee Ssmee yeQke nw efpemes jseEie
SpeWmeer, DeeF&meerDeejS efue. eje yeQke keer keeheexjs ieJeveXme keee& heefle kees
jseEie heoeve keer ieF& nw. DeeF&meerDeejS eje henueer yeej pegueeF&, 2004 ceW
"meerpeerDeej 2" jseEie heoeve keer ieF&. yeQke kees ener jseEie DeLee&le meerpeerDeej
2 jseEie hegve: eceMe: HejJejer 2006, efmelecyej 2007, Dehewue 2010, ceee&
2011 leLee Dehewue 2013 ceW Yeer heoeve keer ieF&. meerpeerDeej 1 mes meerpeerDeej 6
kes Ge jseEie mkesue ceW meerpeerDeej 1 meJeexe jseEie kenueeleer nw. meerpeerDeej
2 jseEie mes DeefYeheee nw efke jseEie SpeWmeer DeeF&meerDeejS keer jee ceW yeQke
ves Gve heefleeeW, hejchejeDeeW SJeb mebefnleeDeeW kees Deheveeee nw leLee Gvekee
heeueve kej jne nw pees yeQke kes efnleOeejkeeW SJeb peceekelee&DeeW kees iegCeJeeehetCe&
keeheexjs ieJeveXme kee Deeeemeve heoeve kejlee nw. en jseEie yeQke keer heejoMeea
mJeeefcelJe mebjevee, megJeJeeqmLele keee&heeueke heyevOeve mebjevee, meblees<epeveke
peesefKece heyevOeve heefleeeW, yees[& SJeb Jeefj heyevOeve keer efveegefeeeW ceW
heejoe|Melee, efJemle=le SJeb heefj<ke=le uesKee keee&efJeefOe, pees efke efvejer#eCe heYeeie
leLee mJeleb$e uesKee HeceeX eje Deheveeeer peeleer nw, kees oMee&leer nw.
14. efJeeere ke@uesv[j

efJeeere Je<e& 1 Dehewue, 2012 mes 31 ceee&, 2013
KeeleeW (Skeue SJeb mecesefkele) SJeb

ueeYeebMe mecyevOeer efmeHeeefjMeeW hej
efJeeej efJeceMe& kejves nsleg efveosMeke
ceb[ue keer yew"ke
13.05.2013
2012-13
Bank of Baroda
Chief Manager,
Customer Service,
8th Floor, Suraj Plaza I,
Sayajiganj,
Vadodara 390 005
Telephone : 0265
2361724
Fax No. : 0265
2361824
Email: customerservice@
bankofbaroda.com
CORPORATE GOVERnAnCE RATinG

Bank of Baroda is the first Public Sector Bank having been
assigned a rating to its Corporate Governance Practices
by ICRA Limited. The ICRA had assigned the rating of
CGR2 (pronounced as CGR 2) in July 2004, which has
been reaffirmed in February 2006, September 2007, April
2010, March 2011 and April 2013 respectively. On a rating
scale of CGR1 to CGR6 where CGR1 denotes the highest
rating. The CGR2 rating implies that in ICRAs current
opinion, the Bank has adopted and follows such practices,
convention and codes as would provide its financial
stakeholders including the depositors, a high level of
assurance on the quality of Corporate Governance. The
rating reflects Banks transparent ownership structure,
well-defined executive management structure, satisfactory
risk management practices, transparency in appointment
and functioning of the Board and Senior Management and
an elaborate audit function, carried out both by its
Inspection Division and independent audit firms.
14.
FinAnCiAL CALEnDAR
Financial Year 1st April, 2012 to 31st March, 2013
Board Meeting for

considering of Accounts
(Standalone & Consolidated)
and recommendation of
dividend.
13.05.2013
127
2012-13
17 JeeR Jeee|<eke meeceeve yew"ke keer

leejerKe, mecee SJeb mLeeve
Date, Time & Venue of the

26 petve, 2013 heele: 10.30 yepes
mej meeepeerjeJe veiejie=n, Je[esoje 17th AGM
ceneveiej mesJee meove, yeQke Dee@He
ye[ewoe Meleeyoer Je<e& (2007 2008)
er.heer.-1, SHe.heer. 549/1, peerF&yeer
kee@ueesveer kes heeme, Deesu[ heeoje jes[,
yeefneeB yevo kejves keer leejerKe
15 petve, 2013 mes 26 petve, 2013
Book Closure dates
15th June 2013 to 26th

June 2013
hee@kemeer Heece& heehle kejves keer Debeflece

leejerKe
21 petve, 2013
Last Date for receipt of Proxy

Forms
21st June 2013
ueeYeebMe Yegieleeve keer leejerKe
08 pegueeF&, 2013
Dividend Payment date
8th July 2013
15.
31 ceee& 2013 kees MesejOeeefjlee hewve&
ece
meb.
efJeJejCe
15.
Description
Sr.
No.
26th June 2013 At 10.30

a.m. Sir Sayaji Rao
Nagargriha, Vadodara
Mahanagar Seva Sadan,
Bank of Baroda Centenary
Year (2007-2008), T. P.
1, F. P. 549/1, Near GEB
Vadodara 390 020
ShAREhOLDinG PATTERn AS On 31st MARCh 2013
MesejOeejkeeW keer
mebKee
Shares
Mesej
233412499
55.41
158
24192201
5.74
No. of Share
Holders
FefkeJeer kee
HeefleMele
% to Equity
Yeejle mejkeej (heJele&ke)
Govt. of India (Promoters)
cetegDeue Heb[ / eterDeeF&
Mutual Funds / UTI
efJeeere mebmLeeSb / yeQke
Financial Institutions / Banks
31
587343
0.14
yeercee kecheefveeeb
Insurance Companies
51
50231026
11.92
efJeosMeer mebmLeeiele efveJesMeke
Foreign Institutional Investors
438
70211403
16.67
efveieefcele efvekeee
Bodies Corporate
1756
19575555
4.65
efveJeemeer Jeweefeke
Resident Individuals
172589
20263732
4.81
DeefveJeemeer Yeejleere
Non Resident Indians
3326
1991881
0.47
efJeosMeer keeheexjs efvekeee
Overseas Corporate Bodies
22000
0.01
10
meceeMeesOeve meome
Clearing members
213
419367
0.10
11
veeme
Trusts
35
349296
0.08
kegue
Total
178602
421256303
100.00
128

16.
16. Status of Shares Lying in Escrow/Suspense Account

as on 31st March 2013
31 ceee&, 2013 kees Smees/Geble KeeleeW ceW he[s ngS MesejeW keer eqmLeefle
16.ke. Geble Keeles ceW he[s ngS MesejeW keer eqmLeefle (hele#e Mesej ef[ueerJejer
16.a. Status of Shares lying in Suspense A/c (Physical

Shares - returned undelivered)
ve nes mekeves kes keejCe Jeeheme efkeS ieS)

01.04.2012 kees heejbefYeke Mes<e
Opening Balance as
on 01.04.2012
efJeeere Je<e& 2012-13 kes oewjeve

heehle DevegjesOeeW keer mebKee
efJeeere Je<e& 2012-13 kes oewjeve esef[

efkeS ieS Mesej
No. of requests
received during the
Financial Year 2012-13
Shares credited during the

ceeceues / Cases Mesej / Shares
ceeceues / Cases
Mesej / Shares
ceeceues / Cases
76
18300
Opening Balance as
on 01.04.2012
efJeeere Je<e& 2012-13 kes oewjeve

heehle DevegjesOeeW keer mebKee
ceeceues / Cases Mesej / Shares
ceeceues / Cases
178
20830
17.
efJeeere Je<e& 2012-13 kes oewjeve esef[

efkeS ieS Mesej
No. of requests
received during the
Mesej / Shares
Closing Balance as on
31st March 2013
600
Shares credited during the

ceeceues / Cases
31 ceee&, 2013 kees Debeflece Mes<e
31 ceee&, 2013 kees Mesej OeejkeeW kee Deeyebve mebyebOeer esCeer-Jeej

efJeJejCe
ceeceues / Cases
Mesej / Shares
74
17700
16.b. Status of Shares lying in Escrow / Suspense A/c

(Demat Shares - returned undelivered)
16.(Ke). Smees / Geble Keeles ceW he[s ngS MesejeW keer eqmLeefle (DeYeewelf ekeerke=le
Mesej ef[ueerJejer ve nes mekeves kes keejCe Jeeheme ngS)
01.04.2012 kees heejbefYeke Mes<e
2012-13
31 ceee&, 2013 kees Debeflece Mes<e

Closing Balance as on
31st March 2013
892
ceeceues / Cases
Mesej / Shares
172
19938
17. DiSTRiBUTiOn OF ShAREhOLDERS - CATEGORY

WiSE AS On 31ST MARCh, 2013
Distribution Schedule As On 31/03/2013 (Total)
Sr. No.
ece meb.
esCeer
Category
1-5000
ceeceueeW keer mebKee

No. of Cases
ceeceueeW kee %
% of Cases
jeefMe (`)
Amount `.
jeefMe kee %
% of Amount
174485
97.69
172630430.00
4.10
5001- 10000
2227
1.25
17704040.00
0.42
10001- 20000
724
0.41
11055620.00
0.26
20001- 30000
232
0.13
5999840.00
0.14
30001- 40000
115
0.06
4107810.00
0.10
40001- 50000
88
0.05
4094410.00
0.10
50001- 100000
162
0.09
12288810.00
0.29
100001& Above
569
0.32
3984682070.00
94.59
178602
100.00
4212563030.00
100.00
Total
129
2012-13
18. 31 ceee&, 2013 kees MesejOeejkeeW kee Yeewieesefueke eq mes Deeyebve mebyebOeer
(jepe-Jeej) efJeJejCe
18. GEOGRAPhiCAL (STATE WiSE) DiSTRiBUTiOn OF

ShAREhOLDERS AS AT 31ST MARCh, 2013
jepe
State
DeebOe heosMe
ANDHRA PRADESH
DeCeeeue heosMe
ARUNACHAL PRADESH
Demece
ece meb.
Sr. No.
ceeceues
Mesej
Cases
Shares
6791
903137
13
1257
ASSAM
532
58629
efyenej
BIHAR
2830
276801
eb[erie{
CHANDIGARH
485
63395
efouueer
DELHI
8110
224660759
ieesJee
GOA
1480
222616
iegpejele
GUJARAT
42542
5199673
nefjeeCee
HARYANA
2242
240696
10
efnceeeue heosMe
HIMACHAL PRADESH
252
24187
11
peccet SJeb keMceerj
JAMMU & KASHMIR
219
29307
12
kevee&ke
KARNATAKA
8451
831006
13
kesjue
KERALA
3452
429009
14
ceOeheosMe
MADHYA PRADESH
5079
653103
15
ceneje^
MAHARASHTRA
46903
169292414
16
cesIeeuee
MEGHALAYA
95
11807
17
veeieeueQ[
NAGALAND
100
22025
18
G[ermee
ORISSA
1178
104209
19
Deve
OTHERS
3273
11574894
20
hebpeeye
PUNJAB
1698
200486
21
jepemLeeve
RAJASTHAN
10673
1218499
22
leefceuevee[t
TAMIL NADU
12245
2475386
23
ef$ehegje
TRIPURA
110
15604
24
Gej heosMe
UTTAR PRADESH
12969
1514360
25
heeqece yebieeue
WEST BENGAL
6880
1233044
kegue
Total
178602
421256303
130

19. me@ke SkemeeWpeeW ceW MesejeW kes meewoeW keer cee$ee leLee Mesej cetue Deewj
Fb[skeme [ee
(ke). me@ke SkemeeWpeeW ceW MesejeW kes meewoeW keer cee$ee leLee Mesej cetue
(01.04.2012 mes 31.03.2013)
ceen
Month
19. ShARE PRiCE, VOLUME OF ShARES TRADED in

STOCK EXChAnGES AnD inDEX DATA
19. a Share Price, Volume of Shares Traded in Stock
Exchanges (From 01.04.2012 to 31.03.2013)
vesMeveue me@ke SkemeeWpe Dee@He Fbef[ee efue. (SveSmeF&)
National Stock Exchange of India Limited (NSE)
Gelece (.)
Highest (`)
vetvelece (.)
Lowest (`)
2012-13
yee@cyes me@ke SkemeeWpe efue. (yeerSmeF&)

BSE Ltd. (BSE)
meewoeW keer cee$ee

(mebKee)
Highest (`)
Gelece (.)
vetvelece (.)
Lowest (`)
Volume Traded
(Nos.)
meewoeW keer cee$ee

(mebKee)
Volume
Traded (Nos.)
Dehewue 2012
APR 2012
810.05
740.55
9568574
808.60
740.50
988629
ceF& 2012
MAY 2012
773.90
615.00
31506032
774.00
615.00
3038814
petve 2012
JUN 2012
734.80
642.55
15831389
735.00
640.25
1745016
pegueeF& 2012
JUL 2012
738.00
635.80
13375240
738.00
635.10
1677436
Deiemle 2012
AUG 2012
670.00
610.00
12815346
669.50
610.15
1543192
efmelebyej 2012
SEP 2012
802.40
605.55
18994142
802.50
606.25
1789041
Deetyej 2012
OCT 2012
809.40
710.00
15230357
809.40
710.55
1573188
veJebyej 2012
NOV 2012
785.00
715.80
9802814
785.90
716.25
1359213
efomebyej 2012
DEC 2012
875.50
755.20
13577654
874.90
756.00
1471238
peveJejer 2013
JAN 2013
899.00
828.25
17133507
899.65
828.65
1884317
HejJejer 2013
FEB 2013
876.10
685.80
22286756
876.00
687.60
2957332
ceee& 2013
MAR 2013
745.95
648.00
15473746
745.50
648.00
1593436
19.Ke Dehewue, Dehewue 2012 mes ceee& 2013 leke Fb[skeme [ee (ceeefmeke meceeheve
cetue)
leejerKe
Date
Sme Sb[ heer

meerSveSkeme
efveHeer
19.b Index Data from April 2012 to March 2013 (Monthly

Closing Values)
yeQke efveHeer
yee@ye SveSmeF&
yeerSmeF& mesvmeskeme
yeQkeskeme
yee@ye yeerSmeF&
BANK NIFTY
BOB NSE
BSE
SENSEX
BANKEX
BOB BSE
S&P CNX
NIFTY
30-Apr-12
5248.15
10276.80
769.90
17318.81
11828.63
766.95
31-ceF&-12
31-May-12
4924.25
9441.00
688.75
16218.53
10884.53
687.00
29-petve-12
29-Jun-12
5278.90
10340.65
732.90
17429.98
11908.71
732.50
31-pegueeF&-12
31-Jul-12
5229.00
10384.10
656.10
17236.18
11910.46
656.05
31-Deiemle-12
31-Aug-12
5258.50
9990.50
631.85
17429.56
11515.94
632.25
28-efmelebyej-12
28-Sep-12
5703.30
11456.80
797.80
18762.74
13138.71
798.55
31-Deetyej-12
31-Oct-12
5619.70
11268.80
725.65
18505.38
12947.29
725.10
30-veJebyej-12
30-Nov-12
5879.85
12158.90
762.60
19339.90
13951.88
763.05
31-efomebyej-12
31-Dec-12
5905.10
12474.25
866.45
19426.71
14344.99
866.95
31-peveJejer-13
31-Jan-13
6034.75
12708.60
867.75
19894.98
14580.26
867.40
28-HejJejer-13
28-Feb-13
5693.05
11487.35
695.65
18861.54
13203.87
702.90
28-ceee&-13
28-Mar-13
5682.55
11361.85
675.40
18835.77
13033.35
677.80
30-Dehewue-12
131
2012-13
20. efJeeere Je<e& 2012-13 kes oewjeve efveege efveosMekeeW kee heefjee
20.
PROFiLE OF DiRECTORS APPOinTED DURinG ThE

FinAnCiAL YEAR 2012 13
20.1 eer megYee<e efMeJejleve cetbo[e
20.1 Shri Subhash Sheoratan Mundra
veece
eer megYee<e efMeJejleve cetbo[e
Name
Shri Subhash Sheoratan Mundra
helee
154, ieeseue veiej, keveeef[ee jes[, Fvoewj

(ceOeheosMe)
Address
154, Goyal Nagar, Kanadia Road,

Indore (Madhya Pradesh).
pevceefleefLe
18 pegueeF&, 1954
Date of Birth
18th July, 1954
Deeeg
59 Je<e&
Age
59 Years
eesielee
1. JeeefCepe ceW mveelekeesej (PG)

2. mee|HeeF[ SmeesefmeS Dee@He Fbef[eve
Fbmeret Dee@He yeQeEkeie Sb[ Heeeveebme
(meerSDeeF&DeeF&yeer)
Qualifications
1) Post Graduate Degree In Commerce
efveosMeke kes he ceW

efveegefe kee mJehe
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb DeblejCe)

DeefOeefveece 1970 keer Oeeje 9(3) (S) kes lenle kesv
mejkeej eje 21.01.2013 mes yeQke kes DeOe#e SJeb
heyevOe efveosMeke kes he ceW efveege. Jes 31.07.2014
leke DeLee&le Deheveer DeefOeJee|<elee keer leejerKe DeLeJee
Deeieeceer DeeosMeeW leke, pees Yeer henues nes, Deheves heo
hej jnWies.
Nature of
appointment as
Director
Appointed as the Chairman and Managing

Director of the Bank w.e.f. 21.01.2013 by
the Central Government u/s 9 (3) (a) of
The Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970
to hold the office till 31.07.2014 i.e. the
date of his superannuation or until further
orders, whichever is earlier.
DevegYeJe
GvnesveW Deheves kewefjej keer MegDeele 1977 ceW

yeQke Dee@He ye[ewoe ceW heefjJeer#eeOeerve DeefOekeejer kes
he ceW keer leLee GvnW leerve oMekeeW mes Yeer DeefOeke
kee yeQeEkeie DevegYeJe nw. 2010 ceW etefveeve yeQke
Dee@He Fbef[ee kes keee&heeueke efveosMeke kes he
ceW heoYeej ienCe kejves mes henues Gvnesves yeQke
kes Yeejleere leLee Debleje&êre heefjeeueveeW keer
efpeccesoejer kee yengle uecyes mecee leke efveJe&nve
efkeee. GvnW ^spejer, Debleje&êre heefjeeueve leLee
meeKe pewmes #es$eeW kee Jeeheke DevegYeJe nw. Jes -3Je<e& leke yeQke Dee@He ye[ewoe kes et.kes. heefjeeueve
kes cegKe keee&heeueke Yeer Les.
Experience
He started his career as a Probationary

Officer in Bank of Baroda in 1977 and
has over three decades of experience
in Banking. He has held wide range of
responsibilities in Domestic as well as
International Operations of the Bank, in
various capacities before his elevation
as Executive Director of Union Bank of
India in 2010. He brings with him diverse
experience in Treasury, International
Operations and Credit. He was also
the Chief Executive of Bank of Barodas
UK Operations for a period of -3- years.
Deve kebheefveeeW ceW

efveosMeke DeLeJee
meefceefle heoeW hej keee&
(i)
Yeejleere efveee&le Deeeele yeQke

(ii) yee@ye kee[dme& efueefces[ (DeOe#e)
Jes Yeejleere efveee&le Deeeele yeQke kes efveosMeke ceb[ue
keer uesKee meefceefle leLee heyevOeve meefceefle kes Yeer
meome nQ.
Jes ieJee\veie keeGbemf eue Dee@He vesMeveue Fbmeret Dee@He
yeQke cewvespeceW (SveDeeF&yeerSce) kes Yeer meome nQ.
Directorship
or Committee
Positions held in
other Companies
(i) Export Import Bank of India
510
No. of Shares of
Bank of Baroda
held
yeQke Dee@]He ye[ewoe ceW

Oeeefjle MesejeW keer
mebKee
132
2) Certified Associate of Indian Institute

of Banking & Finance ( CAIIB )
(ii) BOBCARDS Ltd (Chairman )

He is also a member of the Management
Committee and Audit Committee of the
Board of Export Import Bank of India
He is member of the Governing Council
of National Institute of Bank Management
( NIBM )
510
2012-13
20.2 Shri Petluri Srinivas
20.2 eer hesuegjer eerefveJeeme

veece
eer hesuegjer eerefveJeeme
Name
Shri Petluri Srinivas
helee
yeer-23, eerefveJeemeeveiej kee@ueesveer, iegbtj

522006
Address
B 23, Srinivasanagar Colony, Guntur

522 006.
pevceefleefLe
10 petve, 1956
Date of Birth
10th June, 1956
Deeeg
57 Je<e&
Age
57 Years
eesielee
1. yeer.F&.
2. ceeveJe mebmeeOeve ceW heesm iespegS ef[hueescee
Qualifications
1. B. E.
2. Post Graduate Diploma in Human
Resources

efveegefe kee mJehe
yeQkekeejer kecheveer (GheeceeW kee Depe&ve SJeb

DeblejCe) DeefOeefveece 1970 keer Oeeje 9(3) (S)
kes lenle kesv mejkeej eje 18.06.2012 mes
hetCe& keeefueke efveosMeke (keee&heeueke efveosMeke
kes he ceW veeefcele) kes he ceW efveege. Jes
30.06.2016 DeLee&le Deheveer DeefOeJee|<elee keer
leejerKe DeLeJee Deeieeceer DeeosMeeW, FveceW mes pees
Yeer henues nes, leke Deheves heo hej jnWies.
Nature of
appointment as
Director

(designated as Executive Director)
w.e.f. 18.06.2012 by the Central
Government u/s 9 (3) (a) of The Banking
Companies (Acquisition and Transfer of
Undertakings) Act, 1970/1980, to hold
office up to 30.06.2016 i.e. the date of his
superannuation or until further orders,
DevegYeJe
GvneWves veJecyej 1978 ceW DeevOee yeQke ceW

mesJee ienCe keer efkeee. GvneWves yeQeEkeie kes
efJeefYeVe keee&#es$eeW kes meeLe-meeLe Meerkeguee
ieece yeQke kes DeOe#e, Deebeefueke heyevOeke
Jeejbieue, veF& efouueer leLee metevee heeweesefiekeer
efJeYeeie, heefjeeueve, Keeles, esef[ kee[&
efJeYeeie kes heYeejer ceneheyevOeke kes he
ceW keee& efkeee. GvnW 33 Je<e& kee efJeMeo
yeQeEkeie DevegYeJe nw. GvneWves DeevOee yeQke keer
meYeer MeeKeeDeeW kes keesj yeQeEkeie meesuetMeve
(meeryeerSme) kes ceeFiesMeve ceW Yeer cenlJehetCe&
Yetefcekee efveYeeF&.
GvneWves DeeF&DeeF&Sce Denceoeyeeo, DeeF&DeeF&Sce
yeQieueesj leLee SefMeeve Fbmeret Dee@He
cewvespeceW ceveeruee ceW Yeer efJeefYeVe heefMe#eCeeW
ceW Yeeie efueee.
Experience
He joined Andhra Bank in November,

1978. He has worked in various
capacities as Chairman of Rushikulya
G r a m y a B a n k , Z o n a l M a n a g e r,
Warangal, New Delhi and as General
Manager in charge of Department of
Information Technology, Operations,
Accounts, Credit Card. He has rich
experience of over 33 years in Banking.
He was also instrumental in the migration
of all the branches of Andhra Bank to
Core Banking Solution ( CBS ).
He has attended several Management
Training Programmes at IIM Ahmedabad,
IIM Bangalore and also at Asian Institute
of Management, Manila.
Deve kebheefveeeW ceW

efveosMeke DeLeJee Deve
meefceefle heoeW hej keee&
(i)
yeQke Dee@He ye[ewoe iegeevee DeeF&Svemeer (DeOe#e)

(ii) yeQke Dee@He ye[ewoe (ef$eefveoeo Je esyesiees)
efueefces[ (DeOe#e)
(iii) Fbef[ee Hem& ueeFHe FbMeesjWme keb.
Directorship
or Committee
Positions held in
other Companies
(i) Bank of Baroda Guyana Inc

(Chairman)
(ii) Bank of Baroda (Trinidad & Tobago)
Ltd. (Chairman)
(iii) IndiaFirst Life Insurance Co
yeQke Dee@H] e ye[ewoe ceW Oeeefjle

MesejeW keer mebKee
Metve
No. of Shares of
Bank of Baroda
held
NIL
133
2012-13
20.3 eer megOeerj kegceej pewve
20.3 Shri Sudhir Kumar Jain
veece
Name
helee
483, keesefkeue kegbpe, heeue yeeruee, Depecesj

(jepemLeeve) efheve- 305001.
Address
483, Kokil Kunj, Pal Beechla, Ajmer

(Rajasthan), Pin 305 001.
pevceefleefLe
21 pegueeF&, 1960
Date of Birth
21st July, 1960
Deeeg
53 Je<e&
Age
53 Years
eesielee
1. yeer.kee@ce (Dee@veme&)
2. SHe.meer.S.
Qualifications
1.
B. Com. ( Honours )
2.
F. C. A.

efveegefe kee mJehe

kes he ceW veeefcele) kes he ceW efveege. Jes heebe
Je<e& keer DeJeefOe DeLeJee Deeieeceer DeeosMeeW, FveceW
mes pees Yeer henues nes, leke Deheves heo hej jnWies.
Nature of
appointment as
Director

18.06.2012 by the Central Government
u/s 9 (3) (a) of The Banking Companies
Act, 1970 for a period of five years, or until
DevegYeJe
GvneWves petve 1987 ceW osvee yeQke ceW esef[ cesvespej

kes he ceW yeQke mesJee ienCe keer. GvnW 25 Je<e&
kee yeQekE eie kee efJeMeeue DevegYeJe nw. GvneWves osvee
yeQke kes #es$eere heyevOeke kes he ceW, keesuekeelee,
Denceoeyeeo leLee veF& efouueer ceW keee& efkeee leLee
Jes ceneheyevOeke kes he ceW yeQke kes heOeeve keeee&uee
ceW ^ps ejer heefjeeueve, Debleje&e^ r e efJeYeeie, uesKee
efJeYeeie (legueve he$e), efjsue yeQekE eie leLee FbJesmj
efjuesMeve efJeYeeieeW kes hecegKe jns.
Experience
He joined Dena Bank in June, 1987 as

Credit Manager. He has vast experience
of over 25 years in Banking. As Regional
Manager in Dena Bank, he had worked at
Kolkata, Ahmedabad and New Delhi and
as General Manager, he headed Treasury
Operations, International Division,
Accounts Department (Balance Sheet),
Retail Banking and Investor Relations
Department of its Head Office, Mumbai.
Deve kebheefveeeW ceW efveosMeke

DeLeJee Deve meefceefle heoeW
hej keee&
(i)
yeQke Dee@He ye[ewoe (Ieevee) efueefces[ (DeOe#e)

(ii) yeQke Dee@He ye[ewoe (yeeslmeJeevee) efueefces[
(DeOe#e)
(iii) vesMeveue hesceW keesheexjM
s eve Dee@He Fbe[f ee efueefces[
(SveheermeerDeeF&)
Directorship
or Committee
Positions held in
other Companies
(i) Bank of Baroda (Ghana) Ltd.

(Chairman)
Metve
No. of Shares of
Bank of Baroda
held

MesejeW keer mebKee
134
(ii) Bank of Baroda (Botswana) Ltd

(Chairman)
(iii) National Payments Corporation of

India Ltd (NPCI)
NIL

20.4
2012-13
20.4 Shri Ranjan Dhawan
eer jbpeve OeJeve
veece
eer jbpeve OeJeve
Name
Shri Ranjan Dhawan
helee
533, mewkej 16-[er, eC[erie{
Address
533, Sector 16-D, Chandigarh.
pevceefleefLe
09 efmelecyej, 1955
Date of Birth
9th September, 1955
Deeeg
58 Je<e&
Age
58 Years
eesielee
1. yeer.kee@ce
2. Sce.yeer.S. (Heeeveebme)
3. S.meer.Sce.S. (et.kes.)
4. meer.DeeF&.S. (et.Sme.S.)
Qualifications
1) B. Com.

efveegefe kee mJehe

kes he ceW veeefcele) kes he ceW efveege. Jes
30.09.2015 leke DeLee&le Deheveer DeefOeJee|<elee
keer leejerKe leke DeLeJee Deeieeceer DeeosMeeW, FveceW
mes pees Yeer henues nes, leke Deheves heo hej jnWies.
Nature of
appointment as
Director

01.11.2012 by the Central Government
u/s 9 (3) (a) of The Banking Companies
Act, 1970, to hold office up to 30.09.2015
i.e. the date of his superannuation or until
DevegYeJe
Jes hebpeeye vewMeveue yeQke kes cegKe ceneheyevOeke

Les. FvnW 30 Je<e& kee yeQeEkeie kee Jeeheke DevegYeJe
nw. GvneWves keesheexjs esef[, Debleje&êre
yeQeEkeie, esef[ kee[&, ceeX yeQefkeie, mevege
Gece leLee Deveg<ebefieeeW kes #es$e ceW keee& efkeee
nw. Jes -4 Je<e& leke hebpeeye vewMeveue yeQke kes
Deeeqmle heyevOeve kecheveer kes heyevOe efveosMeke Yeer
jns. GvneWves efJeefYeVe Yeewieesefueke mLeeveeW hej keF&
heefjeeueve eqmLeefleeeW ceW vesle=lJe efkeee efpemeves
efJeefJeOeleehetCe& #es$eeW ceW Fvekes DevegYeJe kees meg{
efkeee. efJeosMeeW ceW lewveeleer leLee vesle=lJe heefMe#eCe
kes HeuemJehe Gvekeer JeeefCeeqpeke yeQeEkeie ceW
efJeMes<e%elee Deewj DeefOeke heKeefjle ngF&.
Experience
He was Chief General Manager of

Punjab National Bank. He has rich
experience of over 30 years in Banking.
He had exposure in key areas such as
Corporate Credit, International Banking,
Credit Card, Merchant Banking, Joint
Ventures and Subsidiaries. He was
Managing Director of Punjab National
Bank Assets Management Company
Limited for -4- years. He also headed
several operational positions in different
geographical locations that reinforced
his experience in diversified areas. His
wide exposure of overseas postings and
leadership trainings further consolidated
his expertise in Commercial Banking.
Deve kebheefveeeW ceW efveosMeke

DeLeJee Deve meefceefle heoeW
hej keee&
yee@ye kewefheue ceekex efueefces[ (DeOe#e)
Directorship
or Committee
Positions held in
other Companies
BOB Capital Markets Ltd - ( Chairman )

MesejeW keer mebKee
Metve
No. of Shares of
Bank of Baroda
held
NIL
2) M. B. A. ( Finance )
3) A. C. M. A. ( UK )
4) C. I. A. ( USA )
135
2012-13
Iees<eCee-He$e
DECLARATiOn
me@ke SkemeeWpeeW kes meeLe meteerkejCe kejej kes KeC[ 49 (1) ([er) kes DevegmejCe ceW
DeOe#e SJeb heyevOe efveosMeke keer Iees<eCee.
Declaration of the Chairman and Managing Director pursuant

to clause 49 (I) (D) of Listing Agreement with Stock Exchanges.
en Ieesef<ele efkeee peelee nw efke yeQke kes yees[& kes meYeer meomeeW leLee Jeefj heyevOeve
keee&heeuekeeW ves me@ke SkemeeWpeeW kes meeLe efkeS ieS meteerkejCe kejej kes KeC[ 49
(1) ([er) kes Devegmeej 31 ceee& 2013 kees meceehle efJeeere Je<e& keer Deeeej mebefnlee kes
Devegheeueve kes yeejs ceW heefleyelee oesnjeF& nw. en Deeeej mebefnlee yeQke keer yesyemeeF
hej GheueyOe kejeF& ieF& nw.
It is to declare that all the Board Members and Senior

Management Personnel of the Bank have affirmed their
compliance of the Code of Conduct for the Financial Year Ended
on 31st March, 2013 in accordance with clause 49 (I) (D) of the
Listing Agreement entered into with the Stock Exchanges. The
said Code of conduct has been posted on the Banks website.
ke=les yeQke Dee@He ye[ewoe
For Bank of Baroda
Sme.Sme.cetbo[e
S. S. Mundra
mLeeve : cegbyeF&
efoveebke : 13 ceF&, 2013
136
Place : Mumbai
Date : 13th May, 2013
2012-13
keeheexjs ieJeveXme keer MeleeX kes Devegheeueve mes mebyebefOele uesKee hejer#ekeeW kee eceeCe-he$e-2012-13
Auditors Certificate on Compliance of Conditions of Corporate Governance-2012-13
yeQke Dee@]He ye[ewoe kes meomeeW kes efueS
To: The Members of Bank of Baroda,
nceves yeQke Dee@He ye[ewoe kes, me@ke SkemeeWpeeW kes meeLe meteerye kejves mecyevOeer
kejej kes KeC[ 49 ceW efJeefvee|o keeheexjs ieJeveXme MeleeX kes mevoYe& ceW yeQke eje
31 ceee& 2013 kees meceehle Je<e& kes efueS keeheexjs ieJeveXme mecyevOeer Devegheeueve
eqmLeefle keer peebe keer nw.
We have examined the compliance of conditions of Corporate

Governance by Bank of Baroda, for the year ended 31st March
2013, as stipulated in Clause-49 of the Listing Agreement of
the Bank with Stock Exchanges.
keeheexjs ieJeveXme mecyevOeer MeleeX kee Devegheeueve kejvee heyevOeve kee oeefelJe nw.
nceejer peebe, keeheexjs ieJeveXme mecyevOeer yeeOeleeDeeW kee Devegheeueve megefveeqele
kejves nsleg yeQke eje Deheveeeer ieF& heefeeeDeeW Deewj keeee&vJeeve leke meerefcele
Leer. en ve lees uesKee hejer#ee nw Deewj ve ner yeQke keer efJeeere efJeJejefCeeeW kes yeejs
ceW nceeje DeefYecele nw.
The compliance of conditions of Corporate Governance is the

responsibility of management. Our examination was limited to
procedures and implementation thereof, adopted by the Bank
for ensuring the compliance of the conditions of the Corporate
Governance. It is neither an audit nor an expression of opinion
on the financial statements of the Bank.
nce Deheveer jee leLee meJeexece peevekeejer leLee nceW efoS ieS mheerkejCe kes
DeeOeej hej heceeefCele kejles nQ efke yeQke ves Ghejese meteerye kejej ceW efJeefvee|o
keeheexjs ieJeveXme mecyevOeer yeeOeleeDeeW kee Devegheeueve efkeee nw.
In our opinion and to the best of our information and according

to the explanations given to us, we certify that the Bank has
complied with the conditions of Corporate Governance as
stipulated in the above mentioned Listing Agreement.
nceeje en Yeer DeefYekeLeve nw efke Ge Devegheeueve kee DeefYeheee yeQke keer YeefJe<e
keer me#ecelee kes heefle en keesF& Deeeemeve veneR nw Deewj ve ner en yeQke kes
keee&keueeheeW kes mebeeueve ceW heyevOeve keer kegMeuelee SJeb heYeeJehetCe&lee kes yeejs ceW
Deeeemeve nw
We state that such compliance is neither an assurance as to

the future viability of the Bank nor the efficiency or effectiveness
with which the management has conducted the affairs of the
Bank.

meveoer uesKeekeej
SHeDeejSve: 002460 Sme
(ieejs megyyee jeJe)
Yeeieeroej
Sce. veb.: 019579

meveoer uesKeekeej
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
ke=les js SC[ js
meveoer uesKeekeej
SHeDeejSve: 301072 F&
(DeefceleeJe eewOejer)
Yeeieeroej
Sce. veb.: 056060

FRN: 002460S
(Garre Subba Rao)
Partner
M No.019579
For Brahmayya & Co.

FRN: 000511S
(Jitendra Kumar)
Partner
M No.201825
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M. No. 056060

meveoer uesKeekeej
SHeDeejSve: 001135 Sve
(Sme. kes. efcelleue)
Yeeieeroej
Sce. veb.: 008506

meveoer uesKeekeej
SHeDeejSve: 110100 [yuet
(eoerHe pes Meser)
Yeeieeroej
Sce. veb.: 046940

meveoer uesKeekeej
SHeDeejSve: 002228meer
(Deej. kes. DeeJeeue)
Yeeieeroej
Sce. veb.: 073063

FRN: 001135N
(S. K. Mittal)
Partner
M. No. 008506
For N. B. S. & Co.

FRN: 110100W
(Pradeep J. Shetty)
Partner
M No.046940
For KASG & Co.

FRN: 002228C
(R. K. Agarwal)
Partner
M No.073063
mLeeve / Place: cegbyeF& / Mumbai

efoveebke / Date: 13th May, 2013
137
2012-13
JeJemeee oeefelJe efjhees& 2012-13 (efueemie kejej kes KeC[ 55 kes lenle)
BUSinESS RESPOnSiBiLiTY REPORT 2012-13 (Under Clause 55 of Listing Agreement)

KeC[ - ke : yeQke kes yeejs ceW meeceeve peevekeejer
1
Section A: General information about the Bank
ueeiet veneR Not Applicable
kecheveer keer keeheexjs heneeve mebKee (meerDeeF&Sve)

Corporate Identity Number (CIN) of the Company
kecheveer kee veece Name of the Company
yeQke Dee@He ye[ewoe Bank of Baroda
hebpeerke=le helee Registered address
"ye[ewoe
neTme", heer.yeer.veb. 506, ceeb[Jeer, ye[ewoe 390006
Baroda House, P.B. No. 506, Mandvi, Baroda 390 006

4
yesyemeeF Website
www.bankofbaroda.com
F&-cesue DeeF&[er E-mail id
ed.skj@bankofbaroda.com
heefleJesefole efJeeere Je<e& Financial Year reported
2012-13
#es$e efpeveceW kecheveer Meeefceue nw (ket Devegmeej Deeweesefieke ieefleefJeefOeeeB)
"yeQeEkeie
SJeb efJee"
Sector(s) that the Company is engaged in (industrial activity Banking & Finance
code-wise)
8
leerve cegKe GlheeoeW / mesJeeDeeW keer meteer pees kecheveer efvee|cele kejleer nw / GheueyOe
kejeleer nw (legueve he$e kes Devegmeej)
List three key products/services that the Company
manufactures/provides (as in balance sheet)
1. nesuemesue yeQeEkeie
1. Wholesale Banking
2. efjsue yeQeEkeie
2. Retail Banking
3. ieeceerCe leLee ke=ef<e yeQeEkeie
3. Rural & Agri. Banking
kegue mLeeveeW keer mebKee peneB JeeJemeeefeke ieefleefJeefOeeeW kee GejoeefelJe kecheveer
kes eje efueee peelee nw
Total number of locations where business activity is
undertaken by the Company
i)
Debleje&êre mLeeveeW (keeee&ueeeW) keer mebKee @

(5 ye[s mLeeveeW kee efJeJejCe GheueyOe kejeSb)
Number of International Locations (Offices)@
100
(etSF&, etkes, etSmeS, yetmesume (yesequpeece), eEmeieehegj)

[UAE, UK, USA, Brussels (Belgium), Singapore]
(Provide details of major 5)

ii)
jeêre mLeeveeW keer mebKee
4,276
Number of National Locations

10
yeepeej, peneB kecheveer mesJeeSb heoeve kejleer nwmLeeveere/jepe/jeêre/Debleje&êre
jeêre leLee Debleje&êre

National & International
Markets served by the Company-Local/State/National/

International
@31 ceee&, 2013 kees yeQke Dee@He ye[ewoe 24 osMeeW ceW, 60 MeeKeeDeeW, 39 Deveg<ebefieeeW
leLee Ske heefleefveefOe keeee&uee meefnle kegue 100 mLeeveeW hej heefjeeueve kej jne
nw.
138
@As on 31st March, 2013, Bank of Baroda has operations in

24 countries with the number of branches at 60, the number
of branches of its subsidiaries at 39 and one representative
office, taking the total tally to 100.

KeC[ Ke : yeQke kee efJeeere efJeJejCe
1.
Section B: Financial Details of the Bank
heoe hetbpeer (Yeejleere `. ceW)
` 422.52 kejes[ crore
Paid up Capital (INR)

2.
kegue ve& DeesJej (Yeejleere heeeW ceW) (kegue JeJemeee: peceejeefMeeeb + Deefiece)
` 8,02,069.10 kejes[ crore
Total Turnover (INR) [Total Business: Deposits + Advances]
3.
kej kes heeele kegue ueeYe (Yeejleere heeeW ceW)
` 4,480.72 kejes[ crore
Total profit after taxes (INR)

4.
kej kes heeele heelf eMele kes he ceW keeheexjs meeceeefpeke GejoeefelJe (meerSmeDeej) hej kegue Jee (%)
0.16%
Total Spending on Corporate Social Responsibility (CSR) as

percentage of profit after tax (%)
5.
2012-13
ieefleefJeefOeeeW keer meteer efpeveceW Ghejese 4 ceW Jee efkeee ieee
List of activities in which expenditure in 4 above has been

incurred:-
e.meb. ieefleefJeefOe
Sr.
no.
1.
2.
3.
4.
Activity
efMe#ee
e.meb.
name of Donee
24.00
4.50
2.00
669.24
13
699.74
Education
GsMe
Purpose
jeefMe (`. ueeKe ceW)

Amount
(Rs lakh)
ceneje^ ieume& SpetkesMeve meesmeeeer, ngpetjheeiee, ue#ceer

jes[, hegCes 411030
Gvekes veS YeJeve kes 5 JeW leue hej Yeewefleke Meee leLee jmeeeve Meee
heeesieMeeuee ceW megefJeOeeSb GheueyOe kejevee
15.00
jepemLeeve jepe ieebOeer mceejke efveefOe, peehegj
cenelcee ieebOeer keer efMe#ee / GheosMeeW leLee efmeebleeW kee heeej hemeej
3.00
De#eje HeeGb[sMeve
mketueer efMe#ee leLee yesnlej he{eF& kee heeej hemeej
3.00
jeceevegpeve meesmeeeer Dee@He cewLescesefkeme
ieefCele kes DeOeeve leLee mewebelf eke efJe%eeve kes Devegheeesie kee heeej hemeej
3.00
Maharashtra Girls Education Society,

Huzurpaga, Laxmi Road, Pune -411 030
2

Amount (Rs lakh)
Segment-wise classification of donations sanctioned :

1.
oeveieener kee veece
Sr.
no.
1
Devegoe oeve (mebKee)
efMe#ee Education
mJeemLe Health
ceefnuee keueeCe Women Welfare
meeceeefpeke keueeCe ieefleefJeefOeeeb Social Welfare Activities
kegue TOTAL
mJeerke=le oeve kee KeC[Jeej JeieeakejCe:

1.
no. of Donations
Providing amenities in physics & Chemistry Lab on

5th Floor of their New Building.
Rajasthan Rajya Gandhi Smarak Nidhi, Jaipur Promotion of the teachings and principles of
Mahatma Gandhi.
3
Akshara Foundation
4
Ramanujan Society of Mathematics
kegue Total
Promoting school education and learning well.

Promoting the application of pure sciences and
study of mathematics.
24.00
139

2.
2012-13
mJeemLe
e.meb.
2.
Sr.
no.
1
GsMe
name of Donee
Dece=lee mketue, 117 / kes / 100, meJeexoe veiej,

Amrita School, 117/K/ 100, Sarvoday Nagar,
eer Sve.S.F&ejhhee heefleeve, ngefueeej, gcekegj,

efpeuee kevee&ke
health
Purpose
efoveebke 22.04.2012 kees keevehegj ceW mJeueervelee peeiekelee

keee&ece kee heeeespeve
Amount
(Rs lakh)
0.50
Sponsorship of Autism Awareness Programme at

Kanpur on 22.04.2012.
ceesyeeF&ue ef[mheWmejer (ScyegueWme) kee jKejKeeJe kejvee
1.00
Maintaining mobile dispensary (Ambulance).
Shri N.A.Easwarappa Pratisthan, Huliyar,

Tumkur Dist., Karnataka
3
veejeeCee oeeuee esjersyeue ^m

Narayana Hrudalaya Charitable Trust
ves$e efJe%eeve leLee êscee Demheleeue, yengefJeMes<e%e Demheleeue kes ceeOece

mes mJeemLe SJeb efeefkelmee mecyevoer osKejsKe kee heeej hemeej
3.00
Promotion of health and medical care through

multi-specialty hospital, ophthalmology and trauma
hospital.
4.50
kegue Total
3.
ceefnuee keueeCe
e.meb.
Sr.
no.
1
ye[ewoe Meefe
3.
Women Welfare
GsMe
name of Donee
Purpose
meceepe kes GVeeve kes GsMe kes efJeefYeVe heeemeeW nsleg GvnW meneesie heoeve kejvee.
Baroda Shakti
To facilitate them to undertake different initiatives

for upliftment of the Society.
Total
4.
2.00
meceepe keueeCe ieefleefJeefOeeeB
e.meb.
Sr.
name of Donee
no.
1
De#ee hee$e HeeGb[sMeve, Se.kes.efnume, ees[& jes[, yeQieueesj
560010
Akshay Patra Foundation, H.K.Hills Chord

Road, Bangalore - 560 010
2
ye[ewoe mJejespeieej efJekeeme mebmLeeve ^m
4.
Social Welfare Activities
GsMe
Purpose
Amount
(Rs lakh)
mJejepe ceepeoe keesmcees Yeespeve efJelejCe Jeenve keer Kejero kes efueS
14.00
Purchase of Swaraj Mazda Cosmo Food

distribution vehicle.
642.82
Baroda Swarajgar Vikas Sansthan Trust
i. ye[ewoe Deej-meser keer ieefleefJeefOeeeW kes efueS

ii. efJeeere mee#ejlee SJeb $e+Ce hejeceMe& kesv keer
Jeeeg mesvee msMeve, 25 mkeJee[^ve, Jeeeg mesvee msMeve, njCeer,

vet JeerDeeF&heer jes[, Je[esoje 390022
Jeeeg mesvee msMeve, Je[esoje ceW DeefOekeejer Yeespeveeuee ceW hegvee|ceueve

meceejesn leLee "ye[e Keevee" pewmes meceejesn Deeeesefpele kejves kes efueS
Air Force Station 25 Squadron, Air Force

Station, Harni, New VIP Road, Vadodara
390 022
For conducting functions viz. Barakhana and

reunion function at Officers Mess at Air Force
Station, Vadodara
cegcyeF& Menj mewefveke keueeCe keeee&uee, Deesu[ kemce

neTme, Hees&, cegcyeF& 400001
YetlehetJe& mewefvekeeW leLee Gvekes heefjJeejeW, eg ceW ngF& efJeOeJeeDeeW kes

meeLe meeLe efveMee peJeeveeW kes keueeCe leLee hegveJee&me leLee eg ceW
Ieeeue ngS mewefvekeeW kes Gheeej / hegveJee&me kes efueS
Mumbai City Sainik Welfare Office, Old

Custom House, Fort, Mumbai 400 001
140
Amount
(Rs lakh)
2.00
i. For Baroda R-SETI Activities

ii. FLCC Activities
ieefleefJeefOeeeW kes efueS
For the rehabilitation of battle casualty, resettlement

and welfare of ex-servicemen and their families,
war widow as well as disabled Jawans.
1.00
1.00
e.meb.
Sr.
no.
GsMe
name of Donee
jeêre Deeheoe meneelee kees<e, mewMeume kees Sme Deej

250000 kee oeve
Donation of SR 250,000 to the National
Disaster Relief Fund, Seychelles
2012-13
Purpose
Yeejer Je<ee& mes heYeeefJele ueesieeW kes hegveJee&me kes efueS mewMeume kes
je^heefle eje heejcYe efkeS ieS jeêre Deeheoe meneelee kees<e ceW
mewMeume keee&#es$e eje mebefJeleefjle oeve
Donation disbursed by Seychelles Territory to the
National Disaster Relief fund set up by President of
Seychelles for rehabilitation of victims affected by
torrential rains.
Total
669.24
KeC[ ie: Deve efJeJejCe

1
Amount
(Rs lakh)
10.42
Section C: Other Details
keee kecheveer keer keesF& Deveg<ebieer kecheveer / kecheefveeeB nQ?
neB yeQke keer leerve Yeejleere leLee 9 efJeosMeer Deveg<ebefieeeB nQ.
Does the Company have any Subsidiary Company/

Companies?
Yes (The Bank has three Domestic and nine Foreign

Subsidiaries)
keee Deveg<ebieer kecheveer / kecheefveeeB cetue kecheveer kes JeeJemeeefeke oeefelJe henueesb neB, oes Deveg<ebefieeeB yee@ye kee[&me efueefces[ leLee yee@ye kesefheue ceekex efueefces[
ceW menYeeefielee kejleer nQ? eefo neB, lees Ssmeer Deveg<ebieer kecheefveeeW keer mebKee
JeeJemeeefeke oeefelJe henueeW ceW menYeeefielee kejleer nQ.
Yes, two subsidiaries viz. BOBCARDS Limited and BOB
yeleeSb.
Capital Market Limited participate in the BR initiatives of
the Bank.
Do the Subsidiary Company/Companies participate in the

BR Initiatives of the parent company? If yes, then indicate
the number of such subsidiary company(s).
3
keee Deve keesF& mebmLee / mebmLeeSb (pewmes-Deehetel| ekelee&, efJelejke Deeefo) pees kecheveer kes JeeJemeeefeke
oeefelJe henueeW ceW menYeeefielee kejkes JeJemeee kejleer nw? eefo neB, lees Fme hekeej keer mebmLee /
mebmLeeDeeW kee heelf eMele oMee&S?b (30% mes kece, 30-60%, 60% mes DeefOeke)
Metve
Do any other entity/entities (e.g. suppliers, distributors

etc.) that the Company does business with participate in
the BR initiatives of the Company? If yes, then indicate the
percentage of such entity/entities? [Less than 30%, 3060%, More than 60%].
KeC[ Ie: JeeJemeeefeke oeefelJeeW mecyevOeer metevee

1. JeeJemeeefeke oeefelJe kes efueS Gejoeeer efveosMeke / efveosMekeeW kee efJeJejCe
ke. JeeJemeeefeke oeefelJeeW veerefle / veerefleeeW kes keeee&vJeeve kes efueS Gejoeeer
efveosMeke / efveosMekeeW kes veece:
e.meb.
efJeJejCe
Sr. No. Particulars
Nil
Section D: BR information
1.
Details of Director/Directors responsible for BR
a)
Details of the Director/Director responsible for

implementation of the BR policy/policies
yeewje
Details
1.
[erDeeF&Sve veb. DIN Number
05318751
2.
veece Name
megOeerj kegceej pewve Sudhir Kumar Jain
3.
heoveece Designation
keee&heeueke efveosMeke Executive Director
Ke. JeeJemeeefeke oeefelJe hecegKe kee efJeJejCe :

Sr. No. Particulars
b)
Details of the BR head
Details
1.
[erDeeF&Sve veb. (eefo ueeiet nw) DIN Number (if applicable)
02237356
2.
veece Name
Sme.kes.oeme S. K. Das
3.
heoveece Designation
cegKe ceneheyevOeke Chief General Manager
4.
sueerHeesve veb. Telephone number
+91-22-66985753
5.
F&-cesue DeeF&[er e-mail id
gm.hrm.bcc@bankofbaroda.com
141

2
2012-13
efmeebleJeej (Sve Jeer peer kes Devegmeej) yeer Deej veerefle / veerefleeeB (Gej neb/veneR)
e.meb.
2.
Principle - wise (as per nVGs) BR Policy /

Policies (Reply in Y/n)
heMve
S.No. Questions
1.$$ keee Deehekes heeme Fmekes efueS veerefle / veerefleeeB nQ...
Do you have a policy/policies for....
2
keee veerefle kee heefleheeove mecyeeqvOele efnleOeejkeeW mes hejeceMe& kej efkeee peelee nw?
Has the policy being formulated in consultation with the relevant
stakeholders?
3.**
keee veerefle efkemeer jeêre / Debleje&êre ceevekeeW kes Deveghe nw? eefo neb, lees mhe kejW
heer1
heer2
heer3
heer4
heer5
heer6
heer7
heer8
heer9
P1
neb*
Y*
P2
neb^
Y^
P3
P4
P5
P6
P7
P8
P9
neb
neb
neb
neb
veneR
neb
neb
neb
neb
neb
neb
neb
neb
veneR
neb
neb
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee veerefle yees[& eje Devegceesefole keer peeleer nw? eefo neb, lees keee Gme hej heyevOe
efveosMeke/ceeefueke/meerF&Dees / Gheege yees[& efveosMeke eje nmlee#ej efkeS peeles nQ?
veneR
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer ceW veerefle kes keeee&vJeeve hej vepej jKeves kes efueS yees[&/efveosMeke/
DeefOekeeefjeeW keer efJeefMe meefceefle nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
Dee@veueeF&ve osKeves kes efueS veerefle kee eEueke oMee&Sb?
neb
veneR
veneR
veneR
veneR
veneR
veneR
veneR
neb #
keee veerelf e kes yeejs ceW mecemle Deebleefjke Je yeee efnleOeejkeeW kees metef ele efkeee peelee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer keer veerelf e / veerelf eeeW kes keeee&vJeeve kes efueS keesF& Deebleefjke mebjevee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer keer efnleOeejkeeW keer veerelf e/veerelf eeeW mes mecyeeqvOele efMekeeeleeW kes meceeOeeve kes efueS
veerelf e / veerelf eeeW mecyevOeer efMekeeele efveJeejCe ceMeervejer / JeJemLee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
keee kecheveer eje efkemeer Deebleefjke ee yeee SpeWmeer mes veerefle keer keee&heCeeueer kee
mJeleb$e cetueebkeve / uesKee hejer#eCe kejJeeee ieee nw?
neb
neb
neb
neb
neb
neb
veneR
neb
neb
(50 MeyoeW ceW) (ke=heee he= kes veeres keer efhheCeer osKeW)
Does the policy conform to any national/international standards? If

yes, specify? (50 words) (Pl. see the footnote)
4
Has the policy being approved by the Board? Is yes, has it been
signed by MD/owner/CEO/appropriate Board Director?
5
Does the company have a specified committee of the Board/

Director/Official to oversee the implementation of the policy?
6
Indicate the link for the policy to be viewed online?

7
Has the policy been formally communicated to all relevant internal

and external stakeholders?
8
Does the company have in-house structure to implement the

policy/policies.
9
N
Y
N
Y
N
Y
N
Y
N
Y
N
Y
Does the Company have a grievance redressal mechanism related

to the policy/policies to address stakeholders' grievances related
to the policy/policies?
10
Has the company carried out independent audit/evaluation of the

working of this policy by an internal or external agency?
yengle meer veerefleeeb Deewheeeefjke he mes yeQke kes eje leweej keer ieF& nQ pees yeQke
kees efJeefYeVe keeeeX ceW hele#e ee Dehele#e he mes efveebef$ele kejleer nQ. leLeeefhe Fmekes
DeueeJee, yeQke eje mecee-mecee hej efJeefYeVe efoMeeefveoxMe peejer efkeS peeles nQ efpevekee
heefjeeueve FkeeFeeB leLee efJeeceeve Deewheeeefjke veerefleeeW kes meeLe meeLe DevegmejCe
kejleer nQ. Fmeer hekeej yeQke, yeQeEkeie keeeeX kees mecheVe kejles mecee efJeefveeecekeeW
mecye mebmLeeDeeW eje leweej veerefleeeW Deewj Deve keevetveeW / meebefJeefOeke Dehes#eeDeeW
kees keeee&eqvJele kejlee nw.
* efmeeble 1 kes lenle, yeQke heeLeefceke he mes kesvere meleke&lee Deeeesie eje peejer
meleke&lee efveece hegmleke ceW efoS ieS meerJeermeer efoMeeefveoxMeeW kee DevegmejCe kejlee nw.
(eEueke: http://cvc.nic.in/man04.pdf)
^ yeQke keer Iejsuet $e+Ce veerefle eje efveebef$ele efmeeble 2 kes lenle efJeefYeVe ieefleefJeefOeeeB
pees kesJeue Deebleefjke heeesie kes efueS nesleer nQ, leLee, FmeefueS FvnW Dee@veueeFve veneR
osKee pee mekelee.
** e.meb. 3: yeQke eje meYeer veerefleeeW kee Devegheeueve efJeefYeVe MeemekeeW, meebefJeefOeke
efvekeeeeW pewmes Yeejleere efjpeJe& yeQke, efJee ceb$eeuee, mesyeer, Yeejle kee mebefJeOeeve,
keevetveer DeefOeefveeceeW Deeefo kes eje peejer efoMeeefveoxMeeW kes Deveghe efkeee peelee nw.
Dele: es jeêre ceevekeeW kes Deveghe nQ. eEueke:www.bankofbaroda.com
$$
142
$$ There are several policies formally put in place by the Bank

that govern various functions in the Bank directly or indirectly.
However, at the same time, there are various guidelines, issued
by the Bank from time to time, that are followed by the operating
units as well as the policies formally put in place. Similarly,
the Bank also implements the policies framed by regulators,
affiliated associations and other statutes while carrying out the
banking functions.
*Under Principle 1, the Bank follows primarily the CVC guidelines
as contained in the Vigilance Manual issued by the Central
Vigilance Commission. (Link: http://cvc.nic.in/man04.pdf)
^ Various activities under Principle 2 are governed by the Banks
Domestic Loan Policy which is meant for internal use only and,
therefore, cannot be viewed online.
** S. No. 3: All the policies being followed by the Bank are in
conformity with the guidelines issued by various regulators and
statutory bodies such as Reserve Bank of India, Ministry of
Finance, SEBI, Constitution of India, legal Acts etc. Hence, they
conform to national standards.
#Link: www.bankofbaroda.com

2 ke eefo efkemeer efmeeble kes Deeies e.meb. -1 kee Gllej 'veneR' ceW nw lees Gmekee
keejCe yeleeebs (2 efJekeuHeebs leke Hej efveMeeve ueieeebs).
e.meb. heMve
S.No.
Questions
1.
kecheveer efmeebleeW kees veneR mecePe heeF&
2012-13
2a. If answer to S. No. 1 against any principle is 'No', please

explain why: (Tick up to 2 options)
heer1
heer2
heer3
heer4
heer5
heer6
heer7
heer8
heer9
P1
P2
P3
P4
P5
P6
P7
P8
P9
efmeeble 7 kes efueS veerefle veneR nesves kee keejCe:

neueebefke efmeeble 7 kes efueS keesF& efueefKele veerefle veneR nw, yeQke osMe kes
kecheveer Fme eqmLeefle ceW veneR nw efke Jen Deheves Deehe kees efJeefvee|o efmeebleeW hej veerefleeeW
ye[s yeQkeeW ceW mes Ske nesves kes veeles veerefle efveOee&jkeeW leLee efJeefveeecekeeW
kes heefleheeove leLee keeee&vJeeve keer eqmLeefle ceW hee mekes.
The company is not at a stage where it finds itself in a position kes meeJe&peefveke efnle, efJeMes<e he mes mebeeueve SJeb heMeemeve kes #es$e ceW
to formulate and implement the policies on specified principles Deee|Leke megOeej, meeqcceefuele efJekeeme veerefleeeW Fleeefo keer yesnlejer kes
kecheveer kes heeme Fme keee& kes efueS efJeeere leLee eceMeefe eesle GheueyOe veneR nQ. efueS meneesieer nw.
The company has not understood the Principles

2.
3.
4.
5.
6.
3.
The company does not have financial or manpower resources

Reason for not having policy for P7
available for the task
While there is no written policy for Principle 7, the
Fmes Deieues 6 cenerves ceW mecheVe efkeS peeves keer eespevee nw
Bank being one of the largest banks in the country is
It is planned to be done within next 6 months
associated with policymakers and regulators for the
advancement of public good, especially in the areas
Fmes Deieues 1 Je<e& ceW mecheVe efkeS peeves keer eespevee nw
of governance & administration, economic reforms,
It is planned to be done within the next 1 year
inclusive development policies, etc.
Deve keesF& keejCe (ke=heee efJeJejCe oW)
Any other reason (please specify)
JeeJemeeefeke oeefelJeeW mes mecyeeqvOele mebeeueve
3.
efveosMeke ceC[ue, yees[& meefceefle ee meerF&Dees eje kecheveer kes JeeJemeeefeke oeefelJe
keee&efve<heeove kee Deekeueve kejves kes efueS mecyeeqvOele DeeJeefOekelee kee GuuesKe kejW. 3 ceen
kes Yeerlej, 3-6 ceen, Jeee|<eke, 1 Je<e& mes DeefOeke.
Governance related to BR
Jeee|<eke
Annually
Indicate the frequency with which the Board of Directors, Committee

of the Board or CEO to assess the BR performance of the Company.
Within 3 months, 3-6 months, Annually, More than 1 year.
keee kecheveer JeeJemeeefeke oeefelJe ee heefleOeejCe (memsvesefyeefueer) efjhees& hekeeefMele kejleer Jele&ceeve ceW hekeeefMele veneR nesleer leLeeefhe Je<e& 2013-14 mes
nw? Fme efjhees& kees osKeves kes efueS neFhejeEueke keee nw? Fmekes hekeeMeve keer DeJeefOe keee nw? www.bankofbaroda.com Fmes hej osKee pee mekelee nw.
Does the Company publish a BR or a Sustainability Report? What is Currently not published. But from the year 2013-14, it
the hyperlink for viewing this report? How frequently it is published?
can be viewed at www.bankofbaroda.com
143

KeC[ [. - efmeebleJeej keee&efve<heeove eqmLeefle
efmeevle 1 Principle 1
1.
1.
144
2012-13
Section E: Principle-wise performance

"keejesyeejer
mebJeJenej veereflehejke heejoMeea leLee Gejoeeer nesves eeefnS"
Businesses should conduct and govern themselves with

Ethics, Transparency and Accountability
keee vewefleke cetue, efjeleKeesjer leLee Yeeeej mebyebOeer veerefle ceW kesJeue peer neb, FmeceW kesJeue yeQke mes peg[s ceeceues ner Meeefceue nesles nQ.
mebmLee mes peg[s ceeceues ner Meeefceue nw ?
yeQke keer mLeehevee 20 pegueeF&, 1908 kees kebheveer DeefOeefveece, 1897 kes DeOeerve kesJeue `.10
ueeKe
cee$e keer heoe hetbpeer mes keer ieF& Leer pees efke Deye meg{ SJeb efJeemeveere efJeeere mebmLee
Does the policy relating to ethics, bribery and
corruption cover only the company?
kes he ceW heebleefjle nes egkee nw. en Ske megieef"le SJeb megmebiele Je=ef nw efpemeceW keeheexjs
efJeJeske SJeb efJelee, meeceeefpeke ieefjcee, hejeshekeejer eqkeesCe DeLee&le otmejeW kes efJekeeme ceW
ner Dehevee GlLeeve pewmee oMe&ve Meeefceue nw.
yeQke keer mLeehevee meg{ vewefleke cetueeW hej ngF& leLee Fvner cetueeW kees F&ceeveoej SJeb efJeJeskehetCe&
vesle=lJe ves Deeies ye{eee nw. efJeeere efvee Jeeheeefjke efJeJeske, mepeielee SJeb meeJeOeeveer leLee
cesnveleer ueesieeW eje cesnvele mes keer ieF& keceeF& kes heefle hetCe& kele&JehejeeCelee pewmes cetue
yeQke kes keWere oMe&ve ceW Meeefceue nQ Deewj Fvner yeeleeW kees Oeeve ceW jKeles ngS yeQke eje
JeJemeeeiele efveCe&e efueS peeles nQ.
yeQke ceW Yeeeej, Deveeeej, ieyeve keer IeveeDeeW leLee efveefOeeeW kes oge|Jeefveeespeve keer jeskeLeece
kes efueS heYeeJeer leb$e ceewpeto nw. yeQke keWere meleke&lee Deeeesie eje peejer meleke&lee cesvegDeue
ceW GefuueefKele efoMeeefveoxMeeW kee ke[eF& mes heeueve kejlee nw. Fme efoMee ceW Devegheeueve efkeS
pee jns keg efoMeeefveoxMe Fme hekeej nw mebyeb heeefOekeeefjeeW mes hejeceMe& kej Ssmes DeefOekeeefjeeW efpevekeer F&ceeveoejer SJeb efvee
mebefoiOe SJeb mebosnemheo nw keer meJe&meccele meteer leweej keer peeleer nw.
efJeefYeVe mlejeW hej meHe keer jessMeve mebyebOeer metevee keWere meleke&lee Deeeesie kees
ceeefmeke efjheeseX kes ceeOece mes Yespeer peeleer nw.
Ge heejoe|Melee yeveeS jKeves kes efueS meYeer DeeJesove Heece& / heesHeecee& yeQke keer JesyemeeF
hej GheueyOe kejeS ieS nw efpevns [eGveuees[ efkeee pee mekelee nw.
efJee ceb$eeuee eje meYeer meeJe&peefveke #es$e kes yeQkeeW kes efueS ueeiet Skehe ceeveke peve
efMekeeele efveJeejCe heCeeueer (SmeheerpeerDeejSme) kees yeQke ceW ueeiet kej efoee ieee nw.
efveefJeoe heuesKeeW kes cetueebkeve kes heeele efJeefYeVe yeesueeroeleeDeeW keer eqmLeefle leLee Sue-1
DeLee&led efpemes keee& meeQhee ieee nw, Gme SpeWmeer kee veece keeheexjs JesyemeeF hej heoe|Mele
efkeee peelee nw.
efJeefYeVe DebeueeW /#es$eeW kes meleke&lee DeefOekeeefjeeW eje efveeefcele efvejer#eCeeW leLee efveJeejke
meleke&lee uesKee hejer#ee kes oewjeve meHe meomeeW kes KeeleeW keer eeeqke (jW[ce) peebe
he[leeue keer peeleer nw.
yeQke ceW meYeer MeeKeeDeeW kee DeeJeefOeke DeeOeej hej efveeefcele/ Deekeeqmceke efvejer#eCe/
kevekejW Dee@ef[ efkeS peeves keer Ske heCeeueer nw.
OeesKeeOe[er/oge|Jeefveeespeve keer jeskeLeece kes efueS heleske Jeie& kes meHe meomeeW ceW
peeiekelee ueeves kes GsMe mes Debeue/ #es$eere keeee&uee/ keeheexjs keeee&uee kes
meleke&lee DeefOekeeefjeeW eje efveJeejke meleke&lee Dee@ef[ efkeee peelee nw.
metefele DeefveeefceleleeDeeW ceW meHe meomeeW keer efpeccesoejer keer peebe he[leeue kejves kes
GsMe mes heleske Debeue keeee&uee ceW Debeue meleke&lee meefceefle kee ie"ve efkeee ieee
nw. meleke&lee meefceefle DevegMeemeveelceke keee&Jeener keer eq mes meYeer DeefveeefceleleeDees
keer heLeceee peebe kejleer nw.
cegKe meleke&lee DeefOekeejer eje en megefveeqele efkeee peelee nw efke oes<eer DeefOekeejer kes
efJe lelkeeue efveJeejke SJeb oC[elceke keee&Jeener keer peeS, pees Devees kes efueS Ske
eble nes.
kesvere meleke&lee Deeeesie (meerJeermeer) efoMeeefveoxMeeW kes Deveghe meleke&lee peeiekelee
mehleen kee Deeeespeve efkeee peelee nw. Yeeeej kes efJe meHe/pevemeeceeve/
ieenkeeW ceW peeiekelee ueeves kes GsMe mes meYeer mlejeW hej mesefceveej, heefleeesefieleeDeeW
Deeefo kee Deeeespeve efkeee peelee nw.
2012-13
Yes, it covers the Bank only.

The Bank was set up on 20th July 1908, under the Companies Act
of 1897, with a small paid up capital of Rs 10 lakh that has now
translated into a strong and trustworthy financial body. It has been
a well-orchestrated growth, involving corporate wisdom, social pride
and the vision of helping others grow, and growing itself in turn.
The Bank has been founded on strong ethical values taken forward
by its honest and prudent leadership. The financial integrity,
business prudence, caution and an abiding care and concern for
the hard earned savings of hard working people, have been the
central philosophy around which business decisions are effected
in the Bank.
The Bank has effective mechanism in place to check corruption,
malpractices, embezzlements and misappropriation of funds. The
Bank follows the guidelines strictly as per the Vigilance Manual
issued by the Central Vigilance Commission. Some of the guidelines
being followed are as under:
Annual review of Assets & Liabilities Returns filed by the Banks
officers.
An Agreed List of officers whose honesty or integrity is under
doubt or suspicion is prepared annually in consultation with the
relevant authorities.
Information on rotation of staff at different levels in the Bank is
submitted to the Central Vigilance Commission in monthly reports.
To maintain utmost transparency, all application forms/proformae
are made available on the websites in downloadable forms.
Standardized Public Grievance Redressal System (SPGRS)

as advised by MOF for uniform implementation in PSBs
made active. Summary of contracts after evaluation of tender
documents showing position of various bidders and name of
the agency L1 to whom the work is awarded, is displayed on
the corporate website.
Scrutiny of staff accounts at random is undertaken at the time
of regular inspection and during the Preventive Vigilance Audits
conducted by the Vigilance Officers of various Zones/ Regions.
The Bank has a system of conducting Regular/Surprise
inspections/ Concurrent audit of all the branches periodically.
In order to bring awareness in the rank and file to curb
occurrence of frauds/ misappropriation, Preventive Vigilance
Audits by the Vigilance Officers at Zonal Offices/ Regional
Offices / Corporate Offices are conducted.
With a view to examine staff accountability in irregularities
reported, Zonal Vigilance Committees have been constituted
at each Zonal Office. The Vigilance Committee examines all
irregularities prima facie warranting disciplinary action.
The Chief Vigilance Officer ensures that prompt punitive action
is taken against the delinquent officials as a deterrent and
demonstrative action.
Vigilance Awareness Week is observed annually as per CVC
guidelines. Seminars, competitions etc. are organized at all
levels to disseminate awareness against corruption amongst
staff/ public/ customers.
keee Fmes mecetn/mebege GheeceeW/Deehete|lekelee&DeeW/mebefJeoekeejeW/ SvepeerDees/ veneR / NO

DeveeW hej Yeer ueeiet efkeee peelee nw ?
Does it extend to the Group/Joint Ventures /
Suppliers /Contractors/NGOs/Others?
145
2012-13
2.
efJeiele efJee Je<e& ceW efnleOeejkeeW keer efkeleveer efMekeeeleW heehle ngF leLee heyebOeve efJeiele efJee Je<e& (2012-13) kes oewjeve 14843 ieenke efMekeeeleW heehle ngF& leLee FveceW mes
eje efkeleves heefleMele efMekeeeleeW kee meblees<epeveke {bie mes meceeOeeve efkeee 14692 (99%) kee meblees<epeveke {bie mes meceeOeeve efkeee ieee. yeQke ceW efveosMeke ceb[ue eje
ieee ? eefo efMekeeeleW heehle ngF& neW lees 50 MeyoeW ceW Fmekee efJeJejCe oW. Devegceesefole ieenke efMekeeele efveJeejCe veerefle leLee Ske megieef"le ieenke efMekeeele efveJeejCe
ceMeervejer keee&jle nw. yeQke ieenke keer meblegeq leLee Gvekeer DeeJeMekeleeDeeW/Dehes#eeDeeW kees hetje
2. How many stakeholder complaints have been received
kejves kes heefle mepeie SJeb peeieke nw. yeQke Fme OeejCee kes heefle heefleye nw efke lekeveerke
in the past financial year and what percentage was
heefeee, Glheeo Deewj meHe keewMeue kee Gheeesie DeefveJeee& he mes ieenkeeW kees Glke= yeQeEkeie
satisfactorily resolved by the management? If so,
mesJeeSb/DevegYeJe heoeve kejves kes efueS efkeee peeS.
provide details thereof, in about 50 words or so.
Fmekes DeueeJee, Je<e& (2012-13) kes oewjeve 94 meleke&lee mebyebOeer efMekeeeleW Yeer heehle ngF&. Fve
efMekeeeleeW keer efJeefYeVe DeefOekeeefjeeW eje peebe he[leeue/eveyeerve keer ieF&. efpeve efMekeeeleeW
ceW ueieeS ieS DeejesheeW kee keesF& heceeCe veneR heeee ieee, GvnW yebo kej efoee ieee leLee efpeve
ceeceueeW ceW Deejeshe lee heeS ieS/meHe Gejoeeer heeS ieS GveceW mecegefele keee&Jeener keer ieF&.
During the past financial year (2012-13), 14,843 number of
customer complaints were received out of which 14,692 (99%)
were satisfactorily resolved. The Bank has put in place a Customer
Grievance Redressal Policy, approved by the Board, and a well
structured Customer Grievance Redressal Mechanism. The Bank
is highly responsive to the needs and satisfaction of its customers,
and is committed to the belief that all technology, processes,
products and skills of its people must be leveraged for delivering
superior banking experience to its customers without fail.
Also, during the year (2012-13), 94 vigilance complaints were
received. All these complaints were examined/investigated through
various authorities. Complaints where no substance was found in
the allegations were closed, and suitable action was taken in cases
where accountability was observed and determined.
`'JeJemeee kes ceeOece mes Fme hekeej kes Glheeo SJeb mesJeeSb heoeve keer peeSb pees
megjef#ele SJeb peerJeveeeheve ceW meneesieer SJeb ceooieej neW.''
Businesses should provide goods and services that are safe
and contribute to sustainability throughout their life cycle
1. Deheves -3- Ssmes GlheeoeW DeLeJee mesJeeDeeW kee GuuesKe kejW efpevnW meeceeefpeke
DeLeJee heee&JejCe kes GsMeeW, peesefKece leLee/DeLeJee DeJemejeW keer eq mes
efveefhele efkeee ieee nw.
i.
mJeeb meneelee mecetn (SmeSepeer)

mJeeb meneelee mecetn iejerye ueesieesb leke hengbe yeveeves, GveceW yeele keer Deeole efJekeefmele
kejves Deewj yeQke $e+Ce kes ceeOece mes Gvekes efueS Deee kes meeOeve pegeves kee Ske
efkeHeeeleer peefjee nw. yeQke ves mJeeb meneelee mecetneW kes efJeehees<eCe kes efueS efveeceeW/
ceeveoC[eW kees mejue yeveeee nw. yeQke mJeeb meneelee mecetn yeveeves kes efueS heefleeqle
iewj mejkeejer mebie"veeW keer ceoo ues jne nw.
ceefnuee meMeefekejCe ceW mJeeb meneelee mecetneW keer Yetefcekee kees Oeeve ces jKeles ngS
yeQke ceefnuee mJeeb meneelee mecetneW kes ie"ve SJeb Gvekes efJee hees<eCe hej Oeeve keseqvle
kej jne nw. yeQke efJee ceb$eeuee kes efoMee-efveoxMeeW kes Devegmeej osMe kes egeEveoe efhe[s
efpeueeW ceW ceefnuee ueeYeee|LeeeW kes efJeehees<eCe mebyebOeer eespevee kees efeeeeqvJele kej jne
nw, efpemekes lenle vetvelece `.50,000/- kes $e+Ce mJeerke=le efkeS peeles nQ. Fme eespevee
kees ueeiet kejves kes efueS yeQke kes DeieCeer efpeueeW kees egvee ieee nw peneb iewj mejkeejer
mebie"veeW kes meeLe leeuecesue kes peefjS kesJeue ceefnuee mJeeb meneelee mecetneW kee ie"ve
efkeee peelee nw.
ii.
ye[ewoe mJejespeieej efJekeeme mebmLeeve (ye[ewoe Deejmeser)

ieeceerCe egJeeDeeW kees keee&kegMeue yeveeves keer DeeJeMekelee leLee GvnW mJejespeieej GeceeW
ceW ueieeves keer pejle kees Oeeve ceW jKeles ngS yeQke ves Ske veeme kee ie"ve efkeee nw.
efpemekes Debleie&le ieeceerCe egJeeDeeW kees efveMeguke JeeJemeeefeke heefMe#eCe heoeve kejves
kes efueS osMeYej ceW 47 kesv mLeeefhele efkeS ieS nw.
es kesv heefMeef#ele egJeeDeeW kees yeQke $e+Ce heehle kejves leLee mJeeb kes Gece mLeeefhele
kejves kes efueS njmebYeJe meneesie heoeve kej jns nQ. ceee&, 2013 leke yeQke ves
164742 DeYee|LeeeW kees Fmekes lenle heefMeef#ele efkeee nw leLee FveceW mes 102477
(62.20%) ves meHeueleehetJe&ke Deheves Gece mLeeefhele kej efueS nQ.
List up to 3 of your products or services whose design

has incorporated social or environmental concerns,
risks and/or opportunities.
146
iii.
2012-13
efJeeere mee#ejlee Deewj $e+Ce hejeceMe& kesv (meejLeer)

meceepe kes Jebefele Jeie& kees efJeeere mesJeeDeeW kes oeejs ceW ueeves kes efueS efJeeere mee#ejlee
heeLeefceke DeeJeMekelee nw, Fmeer yeele kees Oeeve ceW jKeles ngS yeQke ves osMeYej ceW 45
efJeeere mee#ejlee Deewj $e+Ce hejeceMe& kesv mLeeefhele efkeS nQ, pees GejoeefelJehetCe&
$e+Ce oeve nsleg efJeeere mee#ejlee heoeve kejles nw leLee pees efJeeere keef"veeFeeW ceW nw,
GvnW hejeceMe& heoeve kejles nQ.
ceee& 2013 leke 46860 JeefeeeW ves mesJeeSb heehle kejves kes efueS Fve kesveW mes mebheke&
efkeee. Fve kesveW hej mebheke& kejves JeeueeW kees kesveW hej keee&jle meYeer hejeceMe&oelee
hele#ele mesJeeSb heoeve kej jns nQ. hejeceMe&oelee otjmLe kesveW hej efMeefJej ueieekej
Yeer mesJeeSb os jns nQ.
i.
Self help Groups (ShGs)

SHG is a cost effective way to reach out to the poor and
empower them by inculcating saving habit amongst them
as well as enabling them to undertake income generating
activities through bank credit. The Bank has adopted more
liberal norms of financing to SHGs. The Bank is also taking
help of reputed NGOs for formation of SHGs.
Considering the role played by SHGs in empowerment of
women, the Bank is focusing on formation and financing
of women SHGs. The Bank is implementing the scheme of
financing to women beneficiaries in identified backward
districts of the country, as per the guidelines of the Ministry
of Finance, wherein the minimum loan amount of Rs 50,000
is sanctioned. The Banks six Lead districts are identified for
implementation of this scheme under which exclusive women
SHGs are formed under tie up arrangement with NGOs.
ii. Baroda Swarojgar Vikas Sansthan (Baroda RSETi)
Identifying the need for imparting skills to rural youth and
engaging them in self employment ventures, the Bank has
formed a trust under which 47 centers are established all over
the country to provide free of cost vocational training to the
rural youth.
These centers are also providing handholding support to the
trained youth in availing bank credit and in establishment of
their ventures. The Bank has trained 1,64,742 candidates
under this activity out of which 1,02,477 (62.20%) have
established their ventures successfully up to March 2013.
iii. Financial Literacy & Credit Counseling centers (SARAThEE)
Financial literacy being a prerequisite for bringing the excluded
sections of the society under the financial services, the Bank
has established 45 Financial Literacy and Credit Counseling
Centers all over the country which are providing financial
literacy for responsible borrowing and also counseling to those
who are under financial distress.
Till March 2013, 46,860 persons have visited these centers for
availing the services. All the counselors at these centers are
providing face to face services to the visitors at the centers as
also conducting camps in the remote areas for providing their
services.
2.
i.
ii.
Ssmes heleske Glheeo kes mebyebOe ceW mebmeeOeveeW kes Gheeesie (Tpee&, peue, keee ueeiet veneR
ceeue Deeefo) mebyebOeer heefle Glheeo efvecveefueefKele efJeJejCe oW (Jewkeequheke)
Fme meboYe& ceW efheues Je<e& keer leguevee ceW mebmeeOeveeW/ Glheeove/mebefJelejCe kes
oewjeve ueeF& ieF& keceer
efheues Je<e& keer leguevee ceW GheYeeseeDeeW eje Gheeesie kes oewjeve (Tpee&,
peue) ueeF& pee mekeer keceer.
147
2012-13
For each such product, provide the following details in Not Applicable
respect of resource use (energy, water, raw material
etc.) per unit of product(optional)
i. Reduction during sourcing/production/ distribution
achieved since the previous year throughout the
value chain?
ii. Reduction during usage by consumers (energy,
water) has been achieved since the previous
year?
3.
keee kebheveer keer OeejCeere mebmeeOeve eeefHle kes efueS heefeee/JeJemLee

GheueyOe nw (heefjJenve JeJemLee meefnle)
i. eefo neb lees Deehekes FveHegdme kee efkelevee eefleMele OeejCeere eeHle
efkeee ieee nw ? 50 MeyoeW ceW Fmekee efJeJejCe Yeer oW.
ueeiet veneR
Not Applicable
Does the company have procedures in place for

sustainable sourcing (including transportation)?
i. If yes, what percentage of your inputs was sourced
sustainably? Also,provide details thereof, in about
50 words or so.
4.
keee kebheveer ves mLeeveere leLee ueIeg GlheeokeeW, efpemeceW Gvekes keee&mLeue
kes Deemeheeme kee mecegoee Yeer Meeefceue nw, mes Glheeo SJeb mesJeeSb heehle
kejves nsleg keesF& keoce G"eS nw ?
eefo neb lees Gvekeer #ecelee leLee mLeeveere leLee ess Jesv[me& keer
#eceleeDeeW ceW megOeej nsleg keee Gheee efkeS ieS nQ ?
ueeiet veneR
Not Applicable
Has the company taken any steps to procure goods

and services from local & small producers, including
communities surrounding their place of work?
If yes, what steps have been taken to improve their
capacity and capability of local and small vendors?
5. keee kebheveer kes heeme GlheeoeW leLee yeskeej JemlegDeeW keer efjmeeFefkeeEueie kes ueeiet veneR
efueS keesF& JeJemLee nw ? eefo neb lees GlheeoeW leLee yeskeej JemlegDeeW keer Not Applicable
efjmeeFefkeeEueie kee heefleMele efkelevee nw ? (Deueie-Deueie <5%, 5-10%,

>10%) 50 MeyoeW ceW Fmekee efJeJejCe GheueyOe kejeSb
Does the company have a mechanism to recycle
products and waste? If yes, what is the percentage of
recycling of products and waste (separately as <5%,
5-10%, >10%). Also, provide details thereof, in about
50 words or so.
148
"JeJemeee
2012-13
mes meYeer kece&eeefjeeW keer megKe-mece=ef GVele nesveer eeefnS."
Businesses should promote the wellbeing of all employees

43,108
1. ke=heee kece&eeefjeeW keer kegue mebKee kees oMee&Sb

Please indicate the Total number of employees.
2. ke=heee DemLeeeer / mebefJeoe / Deekeeqmceke DeeOeej hej efueS ieS

kece&eeefjeeW keer mebKee kees oMee&Sb.
Please indicate the Total number of employees
hired on temporary/contractual/casual basis
(31 ceee&, 2013 kees) (as on 31st March 2013)

1
3. ke=heee mLeeeer ceefnuee kece&eeefjeeW keer mebKee oMee&Sb.
Please indicate the Number of permanent women 8,232

employees.
4. ke=heee Dehebie mLeeeer kece&eeefjeeW keer mebKee oMee&Sb.
Please indicate the Number of permanent employees 760

with disabilities
5. keee Deehekes heeme keesF& kece&eejer mebie"ve nw pees heyevOeve kes eje ceeve nw? peer neb, oes mebie"ve nQ
(Ske DeefOekeejer kece&eeefjeeW kes efueS leLee Ske efueefhekeere leLee DeOeervemLe kece&eeefjeeW kes efueS)
Yes, Two Associations
Do you have an employee association that is (one for Officer Employees & one for Clerical & Sub staff
recognized by management?
Employees)
6. Deehekes mLeeeer kece&eeefjeeW kee efkelevee heefleMele Fme ceeve kece&eejer

mebie"ve kes meome nQ?
DeefOekeejer mebie"ve : 43.61%

efueefhekeere leLee DeOeervemLe kece&eejer mebIe: 49.22%
43.61%
What percentage of your permanent employees is Officers Association
members of this recognized employee association? Clerical & Sub staff Employees Union 49.22%
7. ke=heee efheues efJeeere Je<e& ceW yeeue cepeotjer, peyejve cepeotjer, Deveweqke cepeotjer, eewve Glheer[ve mes mecyeeqvOele efMekeeeleeW keer mebKee oMee&Sb leLee Fme efJeeere Je<e&
kes Deble leke yekeeee efMekeeeleeW keer eqmLeefle oMee&Sb.
Please indicate the Number of complaints relating to child labour, forced labour, involuntary labour, sexual harassment in
the last financial year and pending as on the end of the financial year.
e.meb. esCeer
S. No. Category
1.
yeeue cepeotjer, peyejve cepeotjer,

Deveweqke cepeotjer Child labour
/forced labour/involuntary labour
2.
Metve Nil
Metve Nil
Metve Nil
eewve Glheer[ve
Sexual harassment
3.
efJeeere Je<e& kes oewjeve ope& keer ieF& efMekeeeleeW keer mebKee efJeeere Je<e& kes Deble ceW yekeeee efMekeeeleeW keer mebKee
No of complaints filed
No of complaints pending
during the financial year
as on end of the financial year
he#eheeleer jespeieej
ueeiet veneR
ueeiet veneR
Discriminatory employment
Not Applicable
Not Applicable
8. veeres oMee&S ieS kece&eeefjeeW ceW mes efkeleves heefleMele kece&eeefjeeW kees efheues Je<e& megj#ee leLee keewMeue efJekeeme (Deheies[sMeve) kee heefMe#eCe efoee ieee?
What percentage of your under mentioned employees were given safety & skill up-gradation training in the last year?
mLeeeer kece&eejer Permanent Employees
56.12% (23,758)
mLeeeer ceefnuee kece&eejer Permanent Women Employees
52.00% (4,281)
Deekeeqmceke DeeOeej hej efueS ieS / DemLeeeer / mebefJeoe kece&eejer Casual/Temporary/Contractual Employees
Metve Nil
DeMekele kece&eejer Employees with Disabilities
58.60% (443)
149
2012-13
``JeJemeee ceW meYeer efnleOeejkeeW, efJeMes<ekej pees Jebefele, kecepeesj Deewj neefMeS hej nQ,
Gvekes efnleeW kee mecceeve nesvee eeefnS leLee Gvekes heefle mebJesoveMeerue nesvee eeefnS.''
Businesses should respect the interests of, and be
responsive towards all stakeholders, especially those who
are disadvantaged, vulnerable and marginalized
1. keee kebheveer ves Deheves Deebleefjke SJeb yeee efnleOeejke megefveeqele kej efueS nw? peer neb
Has the company mapped its internal and external Yes
stakeholders?
2. Ghejese ceW mes keee kecheveer ves Jebefele, kecepeesj Deewj neefMeS hej he[s
efnleOeejkeeW kees efeeqle kej efueee nw?
peer neb
Yes
Out of the above, has the company identified

the disadvantaged, vulnerable & marginalized
stakeholders?
3. keee kecheveer ves Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW
kees Deekee|<ele kejves kes efuees keesF& efJeMes<e henue keer nw? eefo neb, lees
Fmekee ueieYeie 50 MeyoeW ceW efJeJejCe oW.
yeQke ves Deebleefjke Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW kees Deekee|<ele kejves
leLee Gvekees ueeYe hengBeeves kes efueS efJeefYeVe henueW keer nQ. Fveces mes keg Fme hekeej kes nQ:
De.pee./De.pe.pee. kece&eejer
Are there any special initiatives taken by the company

peeefle, mebheoee Deewj Oece& kes DeeOeej hej YesoYeeJe ve kej, yeQke Deheves meYeer kece&eeefjeeW
to engage with the disadvantaged, vulnerable and
marginalized stakeholders. If so, provide details kes meeLe Ske meceeve JeJenej keer YeeJevee keer veerefle kee DeeejCe kejlee nw. De.pee./
De.pe.pee. Jeie& kes kece&eeefjeeW kes efueS yeQke keg efJeefMe ueeYe/megefJeOeeSb/meneelee cegnwee
thereof, in about 50 words or so.
kejJeelee nw pewmes Yeleea hetJe& heefMe#eCe, heoesVeefle hetJe& heefMe#eCe leLee De.pee./De.pe.pee. Jeie&
kes kece&eeefjeeW kes yeeeW kes efueS Yeejle jlve [e@ yeeyeemeensye Debyes[kej cesceesefjeue ^m
mes e$eJe=efe.
De.pee./De.pe.pee. Jeie& kes kece&eeefjeeW mes mebyeeqvOele cegeW/ efMekeeeleeW hej efJeeej kejves
kes efueS yeQke ves heOeeve keeee&uee ceW ceneheyebOeke mlej kes cegKe mebheke& DeefOekeejer leLee
heleske Debeue (kegue 13) ceW mebheke& DeefOekeejer keer JeJemLee keer nw. meeLe ner, yeQke ves heOeeve
keeee&uee, ye[ewoe ceW Ske mecee|hele DevegYeeie keer mLeehevee Yeer keer nw efpemekes DevegYeJeer SJeb
hesMesJej keceea De.pee./De.pe.pee. Deej#eCe mes mebyeeqvOele cegeW kees osKeles nQ leLee De.pee./
De.pe.pee. Deeeesie, mejkeejer kece&eeefjeeW SJeb Deve yeenjer SpeWefmeeeW kes meeLe mebheke& ceW
jnles nQ leeefke De.pee./De.pe.pee. Deej#eCe mebyebOeer efoMee efveoxMeeW kee mecegefele Devegheeueve
megefveeqele nes.
kee@heexjs mlej SJeb Debeue mlej hej yeQke, DeefKeue Yeejleere yeQke Dee@He ye[ewoe De.pee./
De.pe.pee. kece&eejer keueeCe mebie"ve kes meeLe efleceener yew"keW Deeeesefpele kejlee nw efpemeceW
De.pee./De.pe.pee. kece&eeefjeeW kes ueeYe SJeb Deej#eCe mes mebyeeqvOele efJeefYeVe veerefleeeW kes
mecegefele Devegheeueve hej efveeefcele he mes efJeeej efkeS/efveCe&e efueS peeles nQ.
DeMekele Jeefe
Ske efveeesee kes leewj hej yeQke Deheves meYeer kece&eeefjeeW kees Ske meceeve DeJemej heoeve
kejlee nw. DeMekele kece&eeefjeeW kees Deve kece&eeefjeeW kes meceeve ner cepeotjer/Jesleve,
heoesVeefle leLee Deve ueeYe heoeve efkeS peeles nQ. DeMekele JeefeeeW kees keece meeQheles ngS
Fmekee Gefele Oeeve jKee peelee nw efke DeHeveer DeMekelelee kes yeeJepeto Yeer Jes meeQhee ieee
keee& Deemeeveer mes kej mekeW.
Fmekes DeueeJee, DeMekele JeefeeeW kees efJeMes<e he mes efveeqele ueeYe/heefleHeue efoes peeles
nQ pewmes heeLeefcekelee kes DeeOeej hej yeQke kes efjneeMeer DeeJeemeeW kee DeeJebve, eJeCe eb$e
(yenjs ueesieeW kes efueS) Kejeroves kes efueS efJeeere meneelee, ke=ef$ece Debie (DeeqmLe efJekeueebielee
kes efueS) efveeqele meercee kes Yeerlej, DebOes SJeb DeeqmLe efJekeueebie kece&eeefjeeW kes efueS Jeenve
Yees kee Yegieleeve, megefJeOeepeveke mLeeveeW hej efveegefe, ieeceerCe/DeOe& Menjer mLeeveeW ceW
efveegefe mes t Fleeefo.
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yeQke ves yeee Jebefele, kecepeesj Deewj neefMeS hej he[s efnleOeejkeeW kees FmeceW meceeefnle kejves
leLee Gvekees ueeYe hengBeves kes efueS efJeefYeVe henueW keer nQ. FveceW mes keg Fme hekeej kes nQ:
ke. `.1 ueeKe leke kes ke=ef<e $e+Ce ceW ceee|peve SJeb mebheee|eke heefleYetefle mebyebOeer DeeJeMekelee
ceW t.
Ke. ye[ewoe efkemeeve esef[ kee[& eespevee (yeerkesmeermeer) kes Debleie&le yeerkesmeermeer Oeejke
efkemeeve Jeweefeke $e+Ce meefnle ke=ef<e SJeb heefjJeej kes YejCehees<eCe, GheYeesie keer
JemlegDeeW SJeb efveJesMe kes efueS Deefiece ues mekeles nQ.
ie. $e+Ce mJewhe eespevee kes Debleie&le iewj mebmLeeiele $e+CeoeleeDeeW mes efueS ieS $e+Ce kes
DeefOeienCe kes mecee $e+Ceiemlelee mee#e mebyebOeer omleeJespeeW keer DeeJeMekelee ceW t.
`. 25000/- leke kes $e+Ce kes efueS DeeJesoke eje kesJeue mJe Iees<eCee efoes peeves keer
DeeJeMekelee nw.
Ie. ess SJeb cePeesues efkemeeveeW, Keseflenj cepeotjeW SJeb kecepeesj Jeie& kes Deve efJeefvee|o
esCeer kes $e+Cekelee&DeeW mes keesF& ceee|peve jeefMe uesves keer DeeJeMekelee veneR nw peyeefke
efJeMes<e efJekeeme keee&eceeW pewmes SmepeerSmeJeeF& Fleeefo kes lenle Devegoeve keer JeJemLee
nw.
[. Keseflenj cepeotj, yebeF&oej SJeb DeefueefKele hesoej kees Hemeue Ghepeeves kes efueS efoes
peeves Jeeues $e+Ce keer eqmLeefle ceW, mLeeveere heMeemeve/hebeeeleer jepe mebmLee eje peejer
heceeCehe$e yeQke mJeerkeej kejlee nw.
e. kecepeesj JeieeX kes efMe#ee $e+Cekelee&DeeW SJeb Menjer iejeryeeW kes efueS DeeJeeme $e+Ce nsleg
yeQke $e+Ce yeepe Devegoeve eespevee mebeeefuele kej jne nw.
. ke=ef<e #es$e ceW Deefiece kes efueS mejueerke=le $e+Ce omleeJespeerkejCe DeLee&le Skeue eqyebOeve
heefeee DeheveeF& ieF& nw.
pe. yeQke kes Deve ieenkeeW kes meceeve ner eqnerve ieenkeeW kees Jewkeequheke ef[efueJejer ewveue
kes ceeOece mes yeQeEkeie mebJeJenej kej heeves eesie yeveeves nsleg yeQke ves Deheves keg
egefvevoe SerSce ceW OJeefve efveoxefMele heefjeeueve keer JeJemLee ueeiet keer nw.
The Bank has taken various initiatives to engage and extend
benefits to the internal disadvantaged, vulnerable and marginalized
stakeholders. Some of them are as under:
SC/ST Employees
The Bank practices policy of equal treatment of all employees without
any discrimination and bias on the basis of caste, creed and religion.
The Bank extends certain special benefits/facilities/assistance to
employees belonging to SC/ST category such as pre-recruitment
training, pre promotion training and scholarship for meritorious
students among children of employees belonging to SC/ST category,
from Bharat Ratna Dr. Babasaheb Ambedkar Memorial Trust.
The Bank has a Chief Liaison Officer in the rank of General Manager
at Head office level and Liaison officer at each zone (total 13) for
effectively addressing issues/grievances of SC/ST employees. Also,
there is a dedicated SC/ST cell at the Banks Head Office, Baroda,
manned by experienced professionals, which deals with issues
related to SC/ST reservation and liaison with SC/ST commission,
Government officials and other external agencies for ensuring strict
compliance of SC/ST reservation guidelines.
The Bank conducts quarterly meetings with All India Bank of Baroda
SC/ST Employees Welfare Association at corporate level as well as
zonal offices level wherein regular view is made about the proper
implementation of the various policies pertaining to reservation and
benefits extended to employees belonging to SC/ST.
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Persons with Disabilities

The Bank, as an employer, provides equal opportunities to all its
employees. The wages/salaries, promotions and other benefits
extended to employees with disabilities are at par with other
employees. At the time of assignment of duties to employees with
disabilities, proper care is taken to ensure that they are able to
discharge their duties comfortably, despite their disability.
Moreover, certain benefits/considerations are especially extended to
persons with disabilities such as preferential allotment of the Banks
residential accommodation, financial assistance for buying hearing
aid (for hearing impaired persons), artificial limbs (for orthopedically
challenged) within certain limits, payment of conveyance allowance to
blind and orthopedically handicapped employees, convenient place
of posting, exemption from rural/semi-urban posting etc.
The Bank has taken various initiatives to engage and extend
benefits to the external disadvantaged, vulnerable and marginalized
stakeholders. Some of them are as under.
a. Margin and collateral security requirements are waived for
agricultural loans up to Rs 1 lakh.
b. Under Baroda Kisan Credit Card (BKCC) Scheme, BKCC holder
farmers can avail farm and family maintenance, consumption and
investment credit including personal loans.
c. Under the Debt Swap scheme for takeover of loans availed from
non institutional lenders, the Bank has waived the requirement for
any documentary evidence for indebtedness. Only self declaration
for loans up to Rs 25,000 is required from the applicant.
d. For small and marginal farmers, agriculture labourers and other
specified categories of weaker sections, no margin from borrowers
is required where subsidy is available under special development
programmes like SGSY, etc.
e. The Bank is accepting certificates provided by local administration/
Panchayti Raj institutions regarding the cultivation of crops in case
of loans to landless laborers, sharecroppers and oral lessees.
f. The Bank is implementing Interest Subsidy Scheme for Education
Loan borrowers
belonging to weaker sections and Interest
Subsidy Scheme for Housing the Urban Poor.
g. Simplified loan documentation i.e. Single hypothecation document
is adopted for lending to Agriculture Sector.
h. The Bank has implemented Voice Guidance Functionality on
its select ATMs for assisting its Visually Challenged Customers
to enable them to carry out banking transactions on alternate
delivery channels and bring them to par with all other customers
of the Bank.
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`'JeJemeee kees ceeveJeeefOekeejeW kee mecceeve SJeb mebJe&ve kejvee eeefnS.`'

Businesses should respect and promote human rights
1. keee kebheveer keer ceeveJeeefOekeej veerefle kesJeue kebheveer mes mecye nw ee

FmeceW mecetn/mebege Gece/ Deehete|lekelee&/mebefJeoekeej/SvepeerDees/ Deve
Meeefceue nQ?
yeQke keer ceeveJeeefOekeej veerefleeeB hele#e ee hejes#e he mes kesJeue yeQke heefjeeueve mes ner
mecye nw Deewj es Deveg<ebefieeeW hej ueeiet veneR nesleer.
yeQke Fme leLe mes Deer lejn mes heefjefele nw efke meYeer Jeefe mJeleb$e SJeb meceeve nQ Deewj
Does the policy of the company on human rights JeefeeeW kes ceewefueke DeefOekeejeW kee mecceeve DeJeMe nesvee eeefnS. yeQke Ssmeer veerefleeeW kee
cover only the company or extend to the Group / Joint DevegmejCe kejlee nw efpememes jeêre cetue, veeieefjkelee, jbie, peeefle, efJeeeme, Oece&, hetJe&peeW,
Ventures / Suppliers / Contractors / NGOs / Others? JewJeeefnke eqmLeefle, eEueie, Dehebielee, Gce, eewve GvcegKelee, pevce mLeeve, meeceeefpeke eqmLeefle,
ee efveece efJe Deve efkemeer DeeOeej hej hele#e ee hejes#e he mes he#eheele ve nes.
keee&mLeue hej ceeveJeeefOekeej mebyebOeer Yeejleere mebefJeOeeve kes leLeeW SJeb Debleje&êre efveeceeW
kees yeQke Deer lejn mecePelee nw. yeQke meie"veeW keer Deepeeoer SJeb hejmhej menceefle kee
mecceeve kejlee nw.
eewve Glheer[ve keer jeskeLeece
keee&mLeue hej eewve Glheer[ve kee yeQke efve<esOe kejlee nw. keee&mLeue hej eewve Glheer[ve
keer jeskeLeece kes efueS mesJee MeleeX ceW mecegefele heeJeOeeve nw. leovegmeej, yeQke ves keee&mLeue
hej ceefnuee kece&eeefjeeW mes mebyeeqvOele ceeceueeW kees osKeves kes efueS kee@heexjs mlej hej Ghe
ceneheyebOeke mlej keer cegKe ceefnuee mebheke& DeefOekeejer keer efveegefe keer nw.
meYeer 13 DebeueeW ceW, ceefnuee kece&eeefjeeW mes mebyeeqvOele efMekeeeleeW hej lJeefjle SJeb lelhejlee
mes keejJeeF& kejves kes efueS Ske ceefnuee mebheke& DeefOekeejer keer JeJemLee nw. Fve ceefnueeDeeW
kees ceefnuee kece&eeefjeeW mes mebyeeqvOele efMekeeeleeW kees mebYeeueves kes efueS meceLe& yeveeves nsleg
DeeJeefOeke heefMe#eCe efoes pee jns nQ. ceefnuee kece&eeefjeeW mes mebyeeqvOele ceeceueeW, Gvekes
DeefOekeejeW SJeb eewve Glheer[ve mes jeskeLeece kes cenlJe SJeb Fmekeer mebJesoveMeeruelee hej
ueieeleej yeue efoee pee jne nw. ceefnuee kece&eeefjeeW kes ueeYe, DeefOekeej, eewve Glheer[ve mes
jeskeLeece, meJeexe veeeeuee kes efoMee efveoxMe SJeb GvnW ueeiet kejves kes efueS yeQke mecee
mecee hej heefjhe$e peejer kej mesJee MeleeX kes efveeceeW kees ueeiet kejlee nw.
yeQke JewyemeeF kes ceeOece mes metevee kees pevelee leke hengbeevee
yeQke Deheves GlheeoeW/mesJeeDeeW/ pevelee kes efueS GheueyOe megefJeOeeDeeW keer Deeleve peevekeejer /
keesF& Deve metevee pees meeJe&peefveke keer pee mekeleer nw, heeqyueke [escewve ceW jKelee nw. Ske
DeefOemetefele kebheveer nesves kes veeles meeJe&peefveke metevee kes efueS yeQke Deheves efJeeere heefjCeece
kees heeqyueke [escewve ceW heoe|Mele kejlee nw.
metevee kee DeefOekeej DeefOeefveece, 2005 ceW oer ieF& meeJe&peefveke heeefOekejCe keer heefjYee<ee
kes Devegmeej yeQke Ske meeJe&peefveke heeefOekejCe nw Deewj FmeerefueS meJe& meeOeejCe kees metevee
GheueyOe kejeves kes efueS yeeOe nw.
efMekeeeleeW kee efveheeje
ieenke efMekeeele kees MeerIelee mes efveheves nsleg ieenke efMekeeele efveheeve heCeeueer kees
cepeyetle kejves kes efueS yeQke ves keF& keoce G"eS nQ. Fveces mes Ske nw ceeveke peve efMekeeele
efveJeejCe heCeeueer (SmeheerpeerDeejSme). ieenke efMekeeele efveheeve kes efueS en Ske Jesye
DeeOeeefjle ceew[etue nw. eeefhe, yeQke ieenkeeW kes DeefOekeej kee mecceeve kejlee nw, efHej Yeer
eefo Jes Deheveer efMekeeele kes efveheeS peeves mes mebleg veneR nQ lees DeejyeerDeeF& keer ueeskeheeue
eespevee, 2006 kes Debleie&le jepeeW keer jepeOeeefveeeW ceW eqmLele yeQeEkeie ueeskeheeue mes mebheke&
kej mekeles nQ.
The Banks various policies protecting the Human Rights, directly
or indirectly, cover only the operations of the Bank and do not
extend to its subsidiaries etc.
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2012-13
The Bank is well conscious of the fact that all human beings are
free and equal, and that the basic human rights of individuals
must be respected. The Bank follows such policies that, directly
or indirectly, do not discriminate on the basis of national origin,
citizenship, color, race, belief, religion, ancestry, marital status,
gender, disabilities, age, sexual orientation, place of birth, social
status, or any other basis prohibited by the law.
The Bank understands well the Human Rights content of the
Constitution of India and other international laws on Human Rights
at the work place. The Bank respects the freedom of associations
and the right to collective bargaining.
Prevention of Sexual harassment
The Bank prohibits sexual harassment at the work place. In the
Service conditions, there are clauses exclusively for prevention
of sexual harassment at workplace. Accordingly, for addressing
issues related specifically to women employees in work places,
the Bank has appointed Chief Lady Liaison Officer in the rank of
Deputy General Manager at the Corporate office level.
At each of the 13 zones, there is one lady liaison officer to ensure
prompt and expeditious redressal of the grievances of women
employees. These ladies are given periodical training to equip
themselves to handle grievance of women employees effectively.
There are regular reinforcements regarding sensitivity and
importance of matters relating to women employees, their rights and
prevention of Sexual Harassment. The Bank issues circulars from
time to time reinforcing service condition rules, benefits to women
employees, rights of women employees, prevention of Sexual
Harassment, guidelines issued by Supreme court of India and their
implementation.
Dissemination of information to public through the Banks web site
The Bank places up-to-date information about its Products /
Services / Facilities available to public/any other information,
which can be disclosed, in public domain. Being a listed company,
the Bank displays its financial results in the public domain for
information to the public.
Bank of Baroda is a Public Authority, as per definition of Public
Authority in the Right to Information Act, 2005, and, thus, is under
obligation to provide the information to members of public.
Redressal of Complaints
The Bank has taken several measures to strengthen the customer
complaint redressal machinery for fast disposal of customer
complaints. One of such measures being Standardized Public
Grievances Redressal System (SPGRS), a web based online
customer complaint redressal module. However, the Bank
respects the right of the customers, in case they are not satisfied
with the redressal of their complaints, to approach The Banking
Ombudsman located in State Capitals under RBI Ombudsman
Scheme 2006.
2. efJeiele efJeeere Je<e& kes oewjeve efkeleves efnleOeejkeeW mes efMekeeeleW heehle ngF& efJeeere Je<e& kes oewjeve eewve Glheer[ve mes mebyeeqvOele oes efMekeeeleW heehle ngF& efpevnW efyevee
nw Deewj efkeleves heefleMele kees heyebOeve eje meblees<ehetCe& {bie mes efveheeee mecee iebJeeS meblees<ehetCe& {bie mes efvehee efueee ieee.
There were two complaints filed on Sexual Harassment during the
ieee.
How many stakeholder complaints have been financial year which were satisfactorily resolved without any loss
received in the past financial year and what percent of time.
was satisfactorily resolved by the management?
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`'JeJemeee kees heee&JejCe kee mecceeve, mebj#eCe SJeb Hegveej kejvee eeefnS''
Business should respect, protect, and make efforts to
restore the environment
1. keee kebheveer keer efmeevle 6 mes mebyeeqvOele veerefle kesJeue kebheveer kees keJej en veerefle kesJeue yeQke kees keJej kejleer nw.
The policy covers the Bank only.
kejleer nw ee FmeceW mecetn/mebege Gece/ Deehete|lekelee&/ mebefJeoekeej/
SvepeerDees/ Deve Meeefceue nQ?
Does the policy related to Principle 6 cover only the
company or extends to the Group/Joint Ventures /
Suppliers/ Contractors/ NGOs/ others.
2. keee kebheveer kes heeme Yetceb[ueere JeeleeJejCe mebyebOeer ceeceueeW pewmes

JeeleeJejCe ceW heefjJele&ve, Yetceb[ueere leehe Je=ef Fleeefo kes efueS
jCeveerefle nw/ keoce G"eS nQ? Deiej neB, lees Jesye hespe Fleeefo kes efueS
neeHejeEueke oW.
peer neB
ke) yeQke keer Iejsuet $e+Ce veerefle kes Devegmeej heee&JejCe kees neefve hengbeeves JeeueeW GeesieeW
kees yeQke $e+Ce veneR oslee nw pewmes Dees]peesve kees #eefle hengBeves Jeeues heoeLe& eLeeHeesce Glheeove, jsefHepejsj SJeb Sej keb[erMevej, Ssjesmeesue Glheeove, meHeeF& Jeeues
Does the company have strategies/initiatives
efJeueeekeeW ceW Gheeesie keer pee jner keueesjes]Heueesjes keeye&ve (meerS]Hemeer 11, 12, 113
to
address global environmental issues such as
& nwueeWme 1211, 1301, 2402)
climate change, global warming, etc? If yes, please
give hyperlink for webpage etc.
Ke) $e+Ce hemleeJeeW kee cetueebkeve kejles mecee yeQke heee&JejCe Devegketue nefjle heefjeespeveeDeeW
kees cenee SJeb heeLeefcekelee oslee nQ leeefke keeye&ve esef[ kees ye{eJee efceues pewmes heJeve
ekekeer/meewj Tpee& heefjeespevee Fleeefo.
ie) efJe<ewues heot<eke Glmepe&ve Jeeueer efvecee&Ce FkeeFeeW kes ceeceueeW ceW, Ssmes heot<ekeeW kees
JeeleeJejCe ceW es[ves mes henues Fmekes hemebmkejCe kes efueS peue heMeesOeve heCeeueer keer
mLeehevee hej ]peesj oslee nw Deewj megefveeqele kejlee nw efke $e+Cekelee& ieenke ves kesvere/
jepe heot<eCe efveeb$eCe yees[& mes Deveeheefe heceeCe he$e heehle kej efueee nw.
Yes
a) As per the Banks Domestic Loan Policy, the Bank is not
extending any finance to the environmental hazardous
industries viz. Industries using Ozone Depleting Substances
such as Chlorofluoro carbon CFC-11,12,113 & Halons-1211,
1301, 2402 being used in Foam Products, Refrigerators & Airconditioners, Aerosol products, Solvents in cleaning.
b) While appraising the credit proposal, the Bank gives due
weightage and preference to the environment friendly green
projects which earn the carbon credits such as Wind Mills/
Solar Power projects.
c) In case of manufacturing units, emitting toxic pollutants, the
Bank insists upon installation of water treatment projects
for processing of such pollutants before release into the
environment and ensures that the borrower client also obtains
NOC from Central/State Pollution Control Board.
3. keee kebheveer Heee&JejCe mebYeeefJele peeseKf ece kees efeeqvnle/ Deekeueve kejleer nw?
peer neB, erF&Jeer (lekeveerke-Deee|Leke-JeJenee&lee) DeOeeve SJeb heefjeespevee cetueebkeve ceW,

Does the company identify and assess potential heee&JejCe mebyebOeer peesefKece kees kece efkeS peeves kees yeQke Gefele cenlJe oslee nw.
environmental risks?
Yes, in the TEV {Techno-Economic-Viability} study/project

appraisal, the Bank gives due weightage to the mitigation of
Environmental Risks. The sanction decisions are influenced by
the considerations of environment protection.
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2012-13
4. keee kebheveer kes heeme mJelee efJekeeme heCeeueer mebyebOeer keesF& heefjeespevee keeiepe jefnle yeQeEkeie kees ye{eJee osves kes efueS yeQke ves efJeefYeVe lekeveerkeer henueW keer nQ.
nw? Deiej nw lees, ueieYeie 50 MeyoeW ceW Fmekee efJeJejCe oW. Deewj, eefo neB hemleeJeeW keer mJeerke=efle kes mecee, keeiepe jefnle yeQeEkeie kees ye{eJee osves kes efueS yeQke F&lees, keee heee&JejCe mebyebOeer Devegheeueve efjhees& hemlegle keer ieF& nw?
JeJemeee efoMee efveoxMeeW kee Devegheeueve lee/efveOee&efjle kejlee nw. ]peeoelej SerSce jefnle
Does the company have any project related to Clean #es$eeW ceW yeQke SerSce keer mebmLeehevee hej ]peesj oslee nw efpemes ee$ee ceW mecee Je hesêsue/
Development Mechanism? If so, provide details [erpeue keer Kehele kece nesleer nw Deewj heee&JejCe kees mJe yeveeS jKeves ces ceoo efceueleer nw.
thereof, in about 50 words or so. Also, if Yes, whether

The Bank has taken various technological initiatives to promote
any environmental compliance report is filed?
paperless banking. While sanctioning proposals, the Bank
stipulates compliance with e-business guidelines to promote
paperless banking. The Bank also gives the old stationary for
destruction only to the recycling units. The Bank is focusing on
increasing installation of ATMs mostly in the uncovered areas,
thereby, reducing the time and Petrol/Diesel consumption in
travelling and helping in maintaining clean environment.
5. keee kebheveer ves heot<eCe jefnle lekeveerkeer, Tpee& o#elee, veJeerkejCeere yeQke keer Ssmeer keesF& hele#e heefjeespevee veneR nw uesefkeve yeQke ves keF& meewj Tpee&, pewJe FOeve,
Tpee& Fleeefo kes efueS keesF& henue keer nw. eefo neB, lees Jesye hespe Fleeefo ueIeg peue SJeb heJeve Meefe heefjeespeveeDeeW kees efJeeheesef<ele efkeee nw. heee&JejCe Devegketue
kes efueS neeHejeEueke oW.
veJeerkejCeere Tpee& heefjeespeveeDeeW kes efJeehees<eCe kees yeQke heeLeefcekelee oslee nw.
5. Has the company undertaken any other initiatives
on - clean technology, energy efficiency, renewable
energy, etc. If yes, please give hyperlink for web page
etc.
The Bank has no such direct project but the Bank has financed
many Solar Power, Biomass, Small Hydro & Wind Power Projects.
The Bank gives priority in financing environment friendly renewable
energy projects.
6. keee Deeueese efJeeere Je<e& kes efueS kebheveer kee DeJeefMe Glheeove/
Glmepe&ve meerheermeeryeer/ Smeheermeeryeer eje Devegcele meercee kes Yeerlej nw?
yeQke mesJee Geesie kes Debleie&le Deelee nw Deewj FmeefueS keesF& efJe<ewues/Kelejveeke heot<eke kee
Glmepe&ve veneR kejlee nw. leLeeefhe, efvecee&Ce FkeeFeeW kee efJeehees<eCe kejles ngS heot<eCe
6. Are the Emissions/Waste generated by the company efveeb$eCe yees[& mes Deveeheefe heceeCe he$e uesvee yeQke keer heeLeefceke MeleeX ceW mes Ske nw.
within the permissible limits given by CPCB/SPCB for JeeleeJejCe mebyebOeer Devegheeueve kees yeQke hecegKe mJeerke=efle MeleeX ceW jKelee nw.
the financial year being reported?
The Bank is in service industry and, therefore, does not emit any toxic/
hazardous pollutants. However, while financing to manufacturing
units, obtaining NOC from Pollution Control Boards is one of the
Banks primary conditions. The Bank stipulates Environmental
compliance as one of the main conditions of sanction.
7. efJeeere Je<e& kes Deble ceW meerheermeeryeer/Smeheermeeryeer mes heehle uebefyele (DeLee&le Fme lejn kee keesF& GoenjCe veneR nQ.
meblees<epeveke he mes veneR efveheeS ieS) keejCe yeleeDees/efJeefOeke veesefme No such instance.
keer kegue mebKee
7. Number of show cause/ legal notices received from
CPCB/SPCB which are pending (i.e. not resolved to
satisfaction) as on end of Financial Year.
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2012-13
`'JeJemeee peye pevelee SJeb efveeeceke veerefleeeW kees heYeeefJele kejlee nes lees Fmes
ef]peccesoejer hetJe&ke mecheVe efkeee peevee eeefnS''.
Businesses, when engaged in influencing public and
regulatory policy, should do so in a responsible manner
1. keee Deehekeer kebheveer efkemeer ^s[ Deewj eQyej ee mebie"ve keer meome nw? peer neB,
eefo neB, lees GveceW mes hecegKe kee veece efpevekes meeLe Deehekee JeJemeee 1. Yeejleere yeQke mebIe (DeeF&yeerS)
mecye nw?
2. Yeejleere yeQeEkeie Deewj efJee mebmLeeve (DeeF&DeeF&yeerS]He)
1. Is your company a member of any trade and chamber 3. yeQeEkeie keee|ceke eeve mebmLeeve (DeeF&yeerheerSme)
or association? If Yes, Name only those major ones
4. jeêre yeQke heyebOe mebmLeeve (SveDeeF&yeerSce)
that your business deals with.
5. Fbef[eve ceexv eQyej (DeeF&Scemeer)
6. ceneje^ Deee|Leke efJekeeme heefj<eo (SceF&[ermeer)
7. Yeejleere JeeefCepe Deewj Geesie ceC[ue heefjmebIe (S]HeDeeF&meermeerDeeF&)
8. Gemlejere efJeeere DevegmebOeeve leLee DeOeeve keW (meerSS]HeDeejSSue)
9. Yeejleere jeêre Yegieleeve efveiece (SveheermeerDeeF&)
10. Yeejleere meceeMeesOeve efveiece efueefces[ (meermeerDeeF&Sue)
11. o DemeesefmeSs[ eWyeme& Dee@He kee@ceme& Sb[ Fb[mêr Dee@He Fbef[ee
(SSmeSmeDeesmeerSeSSce)
12. eqmJeHe FbjvesMeveue yeQeEkeie Dee@hejsMeve mesefceveej (SmeDeeF&yeerDeesSme)
Yes.
1. Indian Banks Association (IBA)
2. Indian Institute of Banking & Finance (IIBF)
3. Institute of Banking Personnel Selection (IBPS)
4. National Institute of Bank Management (NIBM)
5. Indian Merchant Chamber (IMC)
6. Maharashtra Economic Development Council (MEDC)
7. Federation of Indian Chambers of Commerce and Industry
(FICCI)
8. Centre for Advanced Financial Research and Learning
(CAFRAL)
9. National Payments Corporation of India (NPCI)
10. The Clearing Corporation of India Ltd (CCI)
11. The Associated Chambers of Commerce and Industry of
India (ASSOCHAM)
12. Swift International Banking Operations Seminar (SIBOS)
2. keee Deeheves Ghejese mebie"veeW kes ceeOece mes meeJe&peefveke efnle keer
heieefle/megOeej kes efueS meceLe&ve/heeej efkeee nw. eefo neB, lees hecegKe #es$e
efJeefvee|o kejW pewmes Meemeve heCeeueer Deewj heMeemeve, Deee|Leke megOeej,
meceie efJekeeme veerefleeeB, Tpee& megj#ee, Keee megj#ee, oerIe&keeefueke
JeJemeee efmeevle, Deve
2. Have you advocated/lobbied through above
associations for the advancement or improvement
of public good? If yes, specify the broad areas
such as Governance and Administration, Economic
Reforms, Inclusive Development Policies, Energy
security, Water, Food Security, Sustainable Business
Principles, Others)
osMe kes efJeMeeuelece JeeefCeeqpeke yeQkeeW ceW mes Ske nesves kes veeles yeQke veerefle efveOee&jkeeW SJeb
veerefle efveOee&jke mebie"veeW, pees yeQeEkeie Geesie keer keee&heefle Deewj efveeb$eCe mebyebOeer veerefleeeW,
ceewefke veerefle, efJeeere meceeJesMeve mebyebOeer veerefleeeW leLee yeQeEkeie Geesie kes oerIe&keeefueke
efJekeeme mes heYeeJeer he mes mecye nw.
Bank being one of the largest commercial banks in the country
works closely with policymakers and policy-making associations,
especially in evolving the policies that govern the functioning
and regulation of the banking industry, monetary policy, financial
inclusion related policies, and sustainable development of the
banking industry.
157
2012-13
``JeJemeee mes meceie Je=ef leLee meceeve efJekeeme kees yeue efceuevee eeefnS''.
Businesses should support inclusive growth and equitable

development
1. keee kebheveer kes heeme efmeevle 8 mes mebyeeqvOele veerefleeeW kee DevegmejCe meceepe keer meceie Je=ef leLee meceeve efJekeeme kes efueS yeQke ves keF& keee&ece/heefjeespeveeSb/
kejves kes efueS efJeefvee|o keee&ece/henue/ heefjeespevee nw. eefo neB, lees henue kejves kee heeeme efkeee nw.
Fmekee efJeJejCe oW.
efJeJejCe efvecvehekeej mes nw:
1. Does the company have specified programmes/ meceie efJekeeme kes efueS yeQke ves Jenve kejves eesie ueeiele hej yeQke jefnle ieeceerCe #es$eeW ceW
initiatives/projects in pursuit of the policy related to
yeQeEkeie mesJeeSb GheueyOe kejJeeves nsleg efJeeere meceeJesMeve heefjeespevee ueeiet keer nw Deewj meceeve
Principle 8? If yes, details thereof.
efJekeeme kes efueS Fmes cegKe Deee|Leke Oeeje mes pees[e nw. Fme Jeie& keer DeeJeMekeleeDeeW kees
osKeles ngS yeQke ves efJeMes<e Glheeo leweej efkeS nQ pewmes yeele men Deblee|veefnle DeesJej[êHe
megefJeOee, ueeerueer DeeJeleea pecee, ye[ewoe efkemeeve esef[ kee[&, ye[ewoe meeceeve esef[ kee[&
leLee ieeceerCe mecegoee keer DeeJeMekelee kees osKeles ngS kece heerefceece hej yeercee Glheeo.
DeeJebefle ieeBJeeW ceW yeQeEkeie mesJee GheueyOe kejJeeves kes efueS yeQke ves DeeF&meerer DeeOeeefjle yeermeer
cee@[ue, ceesyeeFue Jewve leLee efyeke SJeb cees&j MeeKee cee@[ue ueeiet efkeee nw.
yeQke ves Deye leke efJeefYeVe cee@[ueeW kes Debleie&le 4,959 ieeBJeeW kees keJej efkeee nw efpemeceW 3,474
yeermeer cee@[ue kes Debleie&le, 1,436 Yeewefleke MeeKeeDeeW SJeb 49 ieeBJe ceesyeeFue Jewve eje keJej
efkeS ieS nQ. yeQke ceW 49.60 ueeKe cetue yeele yeQke pecee Keeles Keesues ieS nQ efpeveceW mes 8.69
ueeKe Keeles JeJemeee heefleefveefOe DeefYekelee&DeeW kes ceeOece mes Keesues ieS nQ. 10.33 ueeKe
ieenkeeW ves kesmeermeer megefJeOee heehle keer nw efpemeceW kegue yekeeee Mes<e jeefMe `.10,404.38
kejes[ nw. 0.15 ueeKe ieenkeeW ves peermeermeer megefJeOee heehle keer nw efpemeceW kegue yekeeee Mes<e
jeefMe `.35.52 kejes[ nw.
yeQke kes mesJee #es$e ceW ueieYeie 21,526 ieeBJe Deeles nQ Deewj Mes<e ieeBJeeW kees efJeefYeVe cee@[ueeW kes
lenle Deieues leerve Je<e& DeLee&le ceee& 2016 leke keJej kejves kes efueS ejCeye eespevee leweej
keer nw. yeQke keer Je<e& 2013-14 ceW 6,165 ieeBJe, 2014-15 ceW 5,200 ieeBJe leLee Mes<e 5,202
ieeBJe Je<e& 2015-16 ceW keJej kejves keer eespevee nw.
The Bank has undertaken several initiatives/programmes/projects in

pursuit of inclusive growth and equitable development of the society.
Details are as under:
The Bank has implemented Financial Inclusion projects to provide
banking services in un-banked rural areas with affordable cost to
the rural masses and covered them in main economical stream
for inclusive growth. Considering the need of the segment, the
Bank has devised special products such as Savings cum in-built
Overdraft facility, Flexible Recurring Deposit, Baroda Kisan Credit
Card, Baroda General Credit Card and Insurance product with low
premium to cater to the needs of the rural masses. The Bank has
implemented ICT based BC model, Mobile Van and Brick & Mortar
branches models to provide banking services in the allocated
villages.
The Bank has so far covered 4,959 villages through various models,
out of which 3,474 are covered through BC model, 1,436 through
brick and mortar branches and 49 through mobile van. The Bank
has opened 49.60 lakh Basic Savings Bank Deposit Accounts, out
of which 8.69 lakh accounts were opened through the Business
Correspondent Agents. About 10.33 lakh customers availed KCC
facility having balance outstanding Rs 10,404.38 crore and 0.15
lakh customers availed GCC facility having balance outstanding Rs
35.52 crore.
The Bank has approximately 21,526 villages in its service area and
planned to cover all remaining villages in a phased manner during
next three years i.e. by March 2016 through various models. It has
planned to cover 6,165 villages during 2013-2014, 5,200 during
2014-2015 and remaining 5,202 during the year 2015-2016.
158
2012-13
2. keee en keee&ece/heefjeespevee Deebleefjke erce/Deheveer mebmLee/yeenjer efJeeere meceeJesMeve eespevee Deebleefjke erce keer ceoo mes eueeeer peeleer nw. yeQke ves Fme
SvepeerDees/mejkeejer mebjeveeDeeW/Deve efkemeer mebie"ve kes ceeOece mes GsMe kes efueS he=Leke efJeYeeie keer mLeehevee keer nw efpemekes heYeejer ceneheyebOeke nQ.
The financial inclusion projects have been undertaken with
eueeee peelee nw?
Are the programmes/projects undertaken through the help of an in-house team. The Bank has set up a separate
in-house team/own foundation/external NGO/ department headed by General Manager for this purpose.
government structures/ any other organization?
3. keee Deeheves keYeer Deheves henueeW kes heYeeJeeW kee cetueebkeve efkeee nw ?
peer neb, pewmee efke Thej kene ieee nw, cetue yeele eespevee kes Debleie&le mecetes osMe ceW kegue
Have you done any impact assessment of your 49.60 ueeKe Keeles Keesues ieS nQ, efpemeceW mes 8.69 ueeKe Keeles JeJemeee heefleefveefOeeeW kes
initiative?
ceeOece mes Keesues ieS nwb. en cenmetme efkeee ieee nw efke yeele kes efueS yeQke Keeles pewmee
efJeemeveere eesle/peefjee efceueves hej, Jes ueesie pees henues yeele veneR kej heeles Les Deye hewmee
yeeeves keer Deeole [eue jns nQ.
Fme leLe kees Fme yeele mes Yeer yeue efceuelee nw efke meerefcele megefJeOee Jeeues (vees efHeue) KeeleeW
ceW kegue Deewmele efveefOe ueieeleej ye{ jner nQ. nceejs yeQke kes heeme efoveebke 31.03.2013
kees en efveefOe ueieYeie `.1,300 kejes[ Leer. yeQke KeeleeW keer megefJeOee kes DeYeeJe ceW ee lees
en efveefOe cegKe Oeeje yeQeEkeie ceW veneR Deeleer ee efHej GheYeesie kes he ceW Jee nes peeleer.
JeJemeee heefleefveefOe eje Keesues ieS KeeleeW ceW efJeeere Je<e& kes oewjeve 18.71 ueeKe DeblejCe
ngS nQ efpeveceW `.203.34 kejes[ jeefMe kes mebJeJenej ngS, pees en oMee&lee nw efke ueesieeW ves
yeQeEkeie megefJeOee kee Gheeesie Meg kej efoee nw.
yeQke ves efJeeere meceeJesefMele ieenkeeW kees keeHeer cee$ee ceW $e+Ce Yeer efoS nQ. `.2.96 kejes[
keer Debvlee|veefnle DeesJej[êHe megefJeOee kes Gheeesie mes ve kesJeue Gvekees Deemeeveer ngF& nw yeequke
Oeerjs-Oeerjs Jes efvepeer $e+CeoeleeDeeW keer heke[ mes yeenj Dee jns nQ.
Yes, as stated earlier, 49.60 lakh accounts were opened under

Basic Savings Bank Deposit Schemes across the country. Out
of which 8.69 lakh accounts were opened through Business
Correspondents. It is observed that after getting a trustworthy
source for saving of their surplus funds like bank account, the
people who were earlier not able to save have started developing
the habit of saving money.
It can be seen from the fact that average aggregate funds in nofrill accounts are continuously increasing. As on 31.03.2013, such
funds were around Rs 1,300 crore with our bank. In the absence
of bank account facility, these funds either would not have been
brought into mainstream banking or would have been lost in
consumption. About 18.71 lakh transactions amounting to Rs
203.34 crore have been processed during the financial year in
the accounts opened through Business correspondents, thereby
indicating that these people have started using banking facilities.
The Bank has also lent substantial amount to Financial Inclusion
customers. The availability of up to Rs 2.96 crore in-built overdraft
facility is not only giving them comfort but removing them slowly
out of the clutches of private money lenders.
4. mecegoee efJekeeme eespeveeDeeW ceW Deehekeer kebheveer kee hele#e eesieoeve

mecegoee efJekeeme leLee meeceeefpeke Deee|Leke keueeCe ieefleefJeefOeeeW mes peg[s 13 efJeefYeVe
keee nw ? (jeefMe `.ceW Deewj heejbYe keer ieF& heefjeespeveeDeeW kee efJeJejCe) mebie"veeW kees yeQke ves kegue jeefMe `.699.74 ueeKe kes $e+Ce efJeleefjle efkeS nQ.
What is your company's direct contribution to (ke=heee DevegYeeie Ke ceo mebKee 5 kee meboYe& ueW)
community development projects (Amount in INR The Bank has disbursed a sum of Rs 699.74 lakh to 13 organizations
and the details of the projects undertaken).
engaged in various community development and socio-economic
welfare activities. (Pl. refer to Section B point no. 5)
5. keee Deeheves en megefveeqele kejves kes efueS keesF& keoce G"eee nw efke
mecegoee efJekeeme henue kees ueesieeW ves meHeueleehetJe&ke Deheveeee nw. eefo
neb lees, ke=heee 50 MeyoeW ceW efJeJejCe oW.
hebpeerke=le mebie"ve/mebmLeeve kes meveoer uesKeekeej mes yeQke Fme mebyebOe ceW Ske heceeCehe$e heehle
kejlee nw efke yeQke eje mJeerke=le oeve kee Gheeesie mebyebefOele GsMe kes efueS ngDee nw.
The Bank is obtaining a certificate issued by a Chartered Accountant

Have you taken steps to ensure that this community of the done Organization/Institute confirming the end use of the
development initiative is successfully adopted by the donation for the purpose for which the donation was sanctioned by
the Bank.
community? Please explain in 50 words, or so.
159
2012-13
`'JeJemeee kees DeHeves eenkeeW leLee GheYeeseeDeeW mes peg][s jn kej Gvekees efpecesoejerHetCe&
{bie mes cenlJe osvee eeefnS.''
Businesses should engage with and provide value to their
customers and consumers in a responsible manner
1. Fme efJeeere Je<e& kes Deble leke efkeleves heefleMele ieenke efMekeeeleW/GheYeesee Fme efJeeere Je<e& 2012-13 kes Deble leke kegue heehle efMekeeeleeW (14,692) keer 1.03%
ceeceues uebefyele nQ ?
(151) efMekeeeleW uebefyele nw.
1. What percentage of customer complaints/consumer 1.03% (151) of the total number of complaints received (14,692)
cases are pending as on the end of financial year?
are pending as at the end of the financial year 2012-13
2. keee kebheveer ves Glheeo uesyeue hej mLeeveere keevetve keer DeefveJeee&lee kes ueeiet veneR.
lenle efveOee&efjle meteveeDeeW kes Deefleefje Glheeo mebyebOeer meteveeSb heoe|Mele Not Applicable
keer nw?
2. Does the company display product information on the
product label, over and above what is mandated as
per local laws?
3. keee efheues heebe Je<eeX kes oewjeve efkemeer efnleOeejke ves kebheveer kes efJe Metve
DeJewOe Jeeheej, iewj-efpeccesoejevee efJe%eeheve Deewj/ee iewj heeflemheOee&lceke Nil
JeJenej kes mebyebOe ceW ceeceuee ope& efkeee nw Deewj en Fme efJeeere Je<e& kes
Deble leke uebefyele nw ? eefo nw lees, ueieYeie 50 MeyoeW ceW Fmekee efJeJejCe
oW.
3. Is there any case filed by any stakeholder against
the company regarding unfair
trade practices,
irresponsible advertising and/or anti-competitive
behaviour during the last five years and pending as
on end of financial year. If so, provide details thereof,
in about 50 words or so.
4. keee Deehekeer kebheveer ves keesF& GheYeesee meblegeq heJe=efe / GheYeesee yeQke ceW Jeee|<eke DeeOeej hej ieenke meblegeq meJex#eCe kejeee peelee nw. efJeeere Je<e& 2012meJex#eCe kejeee nw
13 kes efueS yeQke JesyemeeF hej 16.10.2012 mes 28.02.2013 leke Dee@veueeFve ieenke
Did your company carry out any consumer survey/ meblegeq meJex#eCe eEueke GheueyOe kejeee ieee efpemeceW ieenke mesJee meblegeq mebyebefOele 25
consumer satisfaction trends?
heMve leweej kej ieenkeeW mes Heer[yewke efueee ieee.
kegue efceueekej, 12,512 GejoeleeDeeW ves meJex#eCe ceW Yeeie efueee, efpemeceW mes,
1.
22% GejoeleeDeeW ves mesJee kees yengle Dee kejej efoee.
2.
22% GejoeleeDeeW ves mesJee kees Dee kene.
3.
17% GejoeleeDeeW ves mesJee kees meblees<epeveke kene.
4.
15% GejoeleeDeeW ves mesJee kees Kejeye kene.
5.
24% GejoeleeDeeW ves keesF& cetueebkeve veneR efoee.
A customer satisfaction survey is conducted in the Bank on
annual basis. For the financial year 2012-13, an online Customer
Satisfaction Survey was launched and a survey link containing
set of 25 questions designed for study on customer service
satisfaction was placed on the Banks website from 16.10.2012 to
28.02.2013 to obtain feedback from the customers.
In all, 12,512 respondents participated in the survey, of which
1. 22% respondents rated the services as Very Good.
2. 22% respondents rated the services as Good.
3. 17% respondents rated the services as satisfactory.
4. 15% respondents rated the services as poor.
5. 24% respondents did not rate.
160
2012-13
nefjle Henue - Mesej OeejkeeW mes DeHeerue
GREEn iniTiATiVE-APPEAL TO ShAREhOLDERS
F&-cesue kes ceeOece mes veesefme/Jeeef<e&ke efjHeesX leLee

Deve He$eeeej eeHle kejvee.
TO GET nOTiCES / AnnUAL REPORTS & OThER

COMMUniCATiOn ThROUGh E-MAiL
ef[ces Keelees ceW Mesej jKevesJeeues Mesej OeejkeeW mes DevegjesOe nw efke Jes DeHeves ef[ces
Keeles ceW F&-cesue DeeF&[er ope& kejW.
Shareholders holding Shares in Demat accounts are requested

to: register an email ID in their Demat A/cs.
Yeewefleke He mes Mesej jKevesJeeues Mesej OeejkeeW mes DevegjesOe nw efke -

Fme He$e kes veeres efoes iees Yeeie kees Yejkej leLee Gme Hej nmlee#ej kejkes Gmes nceejs
jefpemêj kes Heeme veeres efueKes Heles Hej efYepeJee oW cew. keeJeer& kebhetjMesej eeFJes efue. (etefve : yeQke Dee@@]He ye[ewoe)
huee@ veb. 17 mes 24, Fcespe ne@efmheue kes heeme,
efJeuejeJe veiej, ceeOeehegj, nwojeyeeo - 500 081
Heesve veb. 040-2342 0815 mes 820, Hewkeme veb. 040-2342 0814
F& cesue : einward.ris@karvy.com
yeQke Dee@]He ye[ewoe keer nefjle Henue

efoveebke
cew. keeJeer& kebhetjMesej eeFJes efue.
(etefve : yeQke Dee@@]He ye[ewoe)
huee@ veb. 17 mes 24, Fcespe ne@efmheue kes heeme,
efJeuejeJe veiej, ceeOeehegj,
nwojeyeeo - 500 081
efee cenesoe,
ceQ / nce ____________________________________________
yeQke Dee@@]He ye[ewoe keeheexjs ieJevesme kes heee&JejCe megj#ee (nefjle heefjJesMe) GheeeeW kes
Ske eeeme kes he ceW yeQke Dee@@]He ye[ewoe mes meYeer mebosMe Deheves veeres efoS ieS F& cesue
DeeF[er kes ceeOece mes eehle kejvee eenlee ntb / eenles nQ. cesjs / nceejs heeme yeQke kes
__________________Mesej Yeewefleke he ceW nQ.
Heesefueees vecyej : _________F& cesue DeeF[er : _________________________
ceQ / nce Fme DeeMee kee Jeeve oslee ntb / osles nQ efke cesjs / nceejs F& cesue kes ceeOece
mes eehle mebosMe kees mener, efJeefOeke leLee yeQke Dee@@]He ye[ewoe eje nceW Yespes ieS
omleeJespeeW keer mecegefele SJeb heee&hle meghego&ieer ceevee peeSiee. ceQ / nce en Yeer Jeeve
oslee ntb / osles nQ efke eefo efkemeer lekeveerkeer / Deve keejCeeW mes cesje / nceeje F& cesue
nceW mener he ceW eehle ve nesves kes keejCe mebosMe eehle veneR nes heelee nw lees nce yeQke
Dee@@]He ye[ewoe, Fmekes efkemeer kece&eejer, jefpemêj DeLeJee Fmekes kece&eeefjeeW kees
GllejoeeeR veneR "njeeWies.
________________
Shareholders holding Shares in Physical form are

requested to:
send their consent by filling up and signing the perforated
portion of this communication to our Registrars at their
address given hereunder :
M/S Karvy Computershare Private Ltd., (Unit: Bank of Baroda),
Plot No.17 to 24, Near Image Hospital,
Vittalrao Nagar, Madhapur,
Hyderabad - 500 081,
Phone No. 040 2342 0815 to 820
Fax No. 040 2342 0814
E-mail : einward.ris@karvy.com
GREEn iniTiATiVE OF BAnK OF BARODA

Date:
M/S Karvy Computershare Private Ltd.,
(Unit: Bank of Baroda),
Plot No.17 to 24, Near Image Hospital,
Vittalrao Nagar, Madhapur,
Hyderabad - 500 081
Dear Sir,
I/ We ______________________________ holding _________
shares of Bank of Baroda in physical form, intend to receive
all communication from Bank of Baroda through our email ID
given hereunder, as a part of Green Initiative under Corporate
Governance of Bank of Baroda.
Folio Number: _______________ Email ID: _______________
I/ We also undertake that the communication received through my/
our email ID will be treated as proper, legal and sufficient delivery of
documents sent to us by Bank of Baroda. I/ We further undertake
that we would not hold Bank of Baroda, any of its employees,
Registrars or its employees, responsible in case the communication
is not properly received at my/ our email ID due to any technical/
other failures.
____________________
Signature of First Holder
eLece Oeejke kes nmlee#ej
161
2012-13
heYeeJeer Je lelkeeue mesJeeDeeW kes efuees MesejOeejkeesb mes

Deheerue
1. ke=heee Deheves Yeewefleke Mesej kees [ercew kejsb
2. ke=heee ueeYeebMe meerOes Deheves Keeles ceW pecee kejves kes efuees Dehevee
F&meerSme cewve[s jefpemj kejbs
3. ke=heee F&- cesue kes ceeOece mes mevosMe heeves kes efuees Deheveer F&-cesue
DeeF&[er jefpemj kejsb
DeYeeweflekeerkejCe ([ercewsefjeueeFpesMeve) kes ueeYe
Appeal to Shareholders for Efficient &

Prompt Services
1. Please Demat your Physical Shares
2. Please register your ECS Mandate for direct credit
of Dividend amount in your A/c
3. Please register your E-mail iD for receiving
communications through E-mail
Benefits of Dematerialization
1.
Mesej mee|efHekes kes Keesves kee keesF& [j veneR
1. No threat of loss of share certificate
2.
Mesej mLeeveeblejCe Meguke DeLeJee me@che veneR
2. No share transfer fees or stamp
3.
mejue / hejsMeeveer jefnle mLeeveeblejCe/ mebejCe
3. Easy / hassle free transfer / transmission
4.
veeceebkeve mecYeJe
4. Nomination possible
5.
ueeYeebMe meerOes Deehekes yeQke Keeles ceW
5. Dividend directly credited to your Bank A/c
6.
Demyee (SSmeyeerS) / DeeF&heerDees DeeJesove mecYeJe
6. ASBA/IPO application possible
F&meerSme cewve[s
ECS Mandate
1.
ueeYeebMe Yegieleeve keer leejerKe kees ner ueeYeebMe hele#e pecee kejvee
1. Direct credit of dividend on Dividend payment date

itself
2.
ueYeebMe Jeejb ceW osjer/ Deheeeqhle / hegveJezOelee keer keesF& mecemee veneR
2. No problem of late / non-receipt / revalidation of

Dividend Warrants
F&- cesue DeeF&[er

1.
Yeejle mejkeej keer nefjle henue kee efnmmee yeveW
2. keejheesjs meteveeSb lelkeeue heehle kejvee efpemecesb SpeerSce Je F&peerSce/

Jeee|<eke efjhees& / ceener metevee Fleeefo keer lelkeeue heeeqhle Yeer
Meeefceue nw
162
E-mail iD
1. Be a part of Green Initiative of Government of India
(GOI)
2. Immediate receipt of Corporate communication
including Notice of AGM & EGM / Annual Reports /
Half Yearly communication, etc
2012-13
yeemesue ii efheuej 3 ekeerkejCe
Basel ii Pillar 3 disclosures

efoveebke 31.3.2013 kees Yeejleere efj]peJe& yeQke kes vees Hetbpeer Heee&Hlelee esceJeke&
(yeemesue II) kes efheuej 3 kes Debleie&le ekeerkejCe (meesuees DeeOeej Hej)
i.
Devegeeesie kee #es$e
ke. ekeerkejCe kee esceJeke& yeQke Dee@]He ye[ewoe hej meesuees DeeOeej hej ueeiet neslee
nw, pees efke mecetn ceW meJeexe yeQke nw.
Ke. yeQke keer efvecveefueefKele Iejsuet leLee efJeosMeer oesveeW ekeej keer Deveg<ebefieeeb,
meneeke FkeeFeeb leLee mebege Gece nQ :
ece mebKee
Sr. no.
i
ii.
iii.
iv.
v.
vi.
vii.
viii.
ix.
x.
xi.
xii.
Deveg<ebieer kee veece
Deveg<ebieer (Iejsuet)
vewveerleeue yeQke efueefces[
yee@yekee[&dme efueefces[
yee@ye kewefheue ceekex efueefces[
Deveg<ebieer (efJeosMeer)
yeQke Dee@]He ye[ewoe (et.kes.) efueefces[
yeQke Dee@]He ye[ewoe (etieev[e) efueefces[
yeQke Dee@]He ye[ewoe (kesvee) efueefces[
yeQke Dee@]He ye[ewoe (iegeevee) Fbke.
yeQke Dee@]He ye[ewoe (yeeslmJeevee) efueefces[
yeQke Dee@]He ye[ewoe (leb]peeefveee) efueefces[
yeQke Dee@]He ye[ewoe (ef$eefveoeo SC[ esyesiees) efueefces[
yeQke Dee@]He ye[ewoe (Ieevee) efueefces[
yeQke Dee@]He ye[ewoe (vetpeerueQ[) efueefces[
yeQke keer efvecveefueefKele Iejsuet leLee efJeosMeer meneeke FkeeFeeb Yeer nQ.
ece mebKee
Sr. no.
i
ii
iii
iv
v
vi
meneeke FkeeF& kee veece
meneeke FkeeFeeb (Iejsuet)

ye[ewoe heeeesefveej Smes cewvespeceW kebheveer efueefces[
ye[ewoe heeeesefveej ^mer kebheveer efueefces[
ye[ewoe iegpejele eeceerCe yeQke
ye[ewoe jepemLeeve #es$eere eeceerCe yeQke
ye[ewoe Gej eosMe eeceerCe yeQke
meneeke FkeeFeeb (efJeosMeer)
Fb[es ]peebefyeee yeQke efueefces[
yeQke kes efvecveefueefKele Iejsuet mebege Gece nQ.

ece mebKee
Sr. no.
i
ii
i
mebege Gece kee veece
mebege Gece (Iejsuet)

Fbef[ee Fvee[s efueefces[
Fbef[eeHem& ueeFHe FbMeesjWme kebheveer efueefces[
mebege Gece (efJeosMeer)
Fbef[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.
Disclosures (on solo basis) under Pillar 3 in terms of New

Capital Adequacy Framework (Basel II) of Reserve Bank of
India as on 31.03.2013
i.
Scope of application
a.
The framework of disclosures applies to Bank of Baroda,

on solo basis, which is the top bank in the group.
b.
The Bank has following Subsidiaries, Associates and

Joint ventures -- both domestic and foreign:
name of the subsidiary
mJeeefcelJe keer meercee
Extent of ownership
SUBSiDiARY (DOMESTiC)
Nainital Bank Limited
98.57%
BOBCARDS Limited
100.00%
BOB Capital Market Limited
100.00%
SUBSiDiARY (FOREiGn)
Bank of Baroda (U.K.) Ltd
100.00%
Bank of Baroda (Uganda) Ltd.
80.00%
Bank of Baroda (Kenya) Ltd.
86.70%
Bank of Baroda (Guyana) Inc.
100.00%
Bank of Baroda (Botswana) Ltd.
100.00%
Bank of Baroda (Tanzania) Ltd.
100.00%
Bank of Baroda (Trinidad & Tobago) Ltd.
100.00%
Bank of Baroda (Ghana) Ltd
100.00%
Bank of Baroda (New Zealand) Ltd.
100.00%
The Bank also has following Associates both domestic and foreign:
name of the associate
ASSOCiATES (DOMESTiC)
Baroda Pioneer Asset Management
Company Limited
Baroda Pioneer Trustee Company Co Ltd
Extent of ownership
49.00%
49.00%
Baroda Gujarat Gramin Bank
35.00%
Baroda Rajasthan kshetriya Gramin Bank
35.00%
Baroda U P Gramin Bank
35.00%
ASSOCiATE (FOREiGn)
Indo Zambia Bank Limited
20.00%
The Bank has following domestic Joint Venture.

name of the Joint Venture
Extent of ownership
JOinT VEnTURE (DOMESTiC)

India Infradebt Ltd
30.00%
IndiaFirst Life Insurance Company Ltd.
44.00%
JOinT VEnTURE (FOREiGn)

India International Bank (Malaysia) Bhd.
40.00%
163
ie.
Ie.
ii.
2012-13
Yeejleere meveoer uesKeekeej mebmLeeve (DeeF&meerSDeeF&) kes uesKee ceeveob[ 21,

23 leLee 27 kes Devegmeej mecesefkele Keelee efJeJejCeer ceW eceMe: Deveg<ebefieeeW,
meneeke FkeeFeeW leLee mebege GeceeW kees hetCe&le: mecesefkele efkeee ieee nw.
yeQke keer efkemeer Yeer Deveg<ebieer kes mebyeOe cesb hetbpeer keer keesF& keceer veneR nw.
yeQke kee yeercee mebmLeeve ceW efvecve efJeJejCeevegmeej efnle Meeefceue nw.
I.
yeercee mebmLeeve ceW yeQke kes kegue efnle kee efJeeceeve yener cetue `165.46 kejes[.
II. veece- FefC[ee Hem& ueeFHe FbMeesjWme kecheveer efueefces[.
III. efveieefcele osMe - Yeejle.
IV. mJeeefcelJe kes efnle kee Devegheele - 44%.
yeQke ves Deheveer hetbpeer ceW mes `165.46 kejes[ Deenefjle kej Deheveer Mesej
Oeeefjlee kes he ceW FefC[ee Hem& ueeFHe FbMeesjWme kecheveer efue. ceW efveJesMe
efkeS nQ.
The Subsidiaries, Associates and Joint Ventures are

consolidated in the Consolidated Statement of Accounts as per
Accounting Standard 21, 23 and 27 respectively of Institute of
Chartered Accountants of India (ICAI).
c. There is no deficiency of capital in respect of any of the
subsidiaries of the bank.
d. The Bank has interest in the Insurance entity as per the
details given below.
I.
The current Book value of Banks total interest in the
insurance entity Rs.165.46 crores.
II. Name IndiaFirst Life Insurance Company Limited.
III. Country of Incorporation India
IV. The proportion of ownership interest 44%
The bank has deducted the investment of Rs.165.46 crores
from its capital in respect of its equity holding in IndiaFirst
Life Insurance Company Limited.
hetbpeeriele {ebee
ii. Capital structure
ke. yeQke keer efej - I hetbpeer ceW Mesej hetbpeer, veJeesvces<eer yesceereeoer $e+Ce efueKele
leLee efJeefYeVe ekeej keer eejef#ele efveefOeeeb Meeefceue nQ. efej - II hetbpeer
ceW hegvecet&ueebkeve efveefOeeeb (Yeejleere efj]peJe& yeQke kes eeJeOeeveeW kes Devegmeej
ef[mkeeGCs[), meeceeve neefve efveefOe, ceeveke DeefmleeeW hej eeJeOeeve, Ge
efej - II leLee efvecve efej - II hetbpeer Meeefceue nQ. Ge efej II hetbpeer ceW
efJeosMeer yeepeej ceW peejer SceerSve yee@C[ Yeer Meeefceue nQ. yespeceeveleer eefleose
$e+CeeW keer DeJeefOe Fme ekeej nw :
Ge efej 2 hetbpeer :
e=bKeuee
eb=Keuee VII
eb=Keuee VIII
eb=Keuee IX
eb=Keuee XI
eb=Keuee XII
eb=Keuee XIII
eb=Keuee XIV
eb=Keuee XV
SceerSve efej II yee@C[
(efJeosMeer)
a.
The Tier-I capital of the Bank consists of equity

capital, Innovative Perpetual Debt Instrument (IPDI)
and various types of reserves. The Tier-II capital
consists of Revaluation Reserves (discounted as
per provisions of RBI), General Loss Reserve and
Provisions on Standard Assets, Upper Tier II Capital
and Lower Tier II capital. Upper Tier II capital also
consists of MTN Bonds issued in overseas market.
The terms of unsecured redeemable debts are as
under:
Upper Tier 2 Capital:
yeepeoj
heefjhekeJelee keer leejerKe
Series VII
interest Rate (%)

9.30
Date of maturity
28.12.2022
Amount in ` Crs.
500.00
Series VIII
9.30
04.01.2023
1000.00
Series IX
9.15
04.03.2024
1000.00
Series XI
8.38
08.06.2024
500.00
Series XII
8.54
08.07.2024
500.00
Series XIII
8.48
31.05.2025
500.00
Series XIV
8.48
30.06.2025
500.00
Series XV
8.52
10.08.2025
500.00
MTN Tier II Bonds

(Overseas)
6.625
25.05.2022
( 25.5.2017 kees kee@ue Dee@hMeve kes meeLe)
(with call option on 25.05.2017)
1628.55
Series
kegue TOTAL
6628.55
Lower Tier 2 Capital:
vetve efej 2 hetbpeer

eb=Keuee
jeefMe kejes[ . ceW
Series
yeepeoj
heefjhekeJelee keer leejerKe

Date of maturity
Amount in ` Cr
interest Rate (%)
jeefMe kejes[ . ceW
eb=Keuee IV
Series IV
5.85
02.07.2014
300.00
eb=Keuee V
Series V
7.45
28.04.2015
770.00
eb=Keuee VI
Series VI
8.95
15.05.2016
920.00
eb=Keuee X
Series X
8.95
12.04.2018
500.00
kegue TOTAL
164
2490.00

b.
Ke. yeQke keer efej - i hetbpeer Fme ekeej nw :
2012-13
The Tier 1 capital of the bank is as under:

( jeefMe kejes[ . ceW Amount in ` Crore)
kegue efej - i hetbpeer

efpemeceW mes
Total Tier i Capital

Out of which:
31794.64
ii
eoe Mesej hetbpeer
ii
Paid up share capital
iii
hegvecet&ueebkeve eejef#ele efveefOeeeW kes DeueeJee eejef#ele efveefOeeeb
iii Reserves excluding revaluation reserves
iv
veJeesvces<eer yesceereeoer $e+Ce efueKele
iv Innovative Perpetual Debt Instrument
keewefleeeb
vi
hee$e efej I hetbpeer
vi Eligible Tier I Capital
422.52
29460.41
1911.70
Deductions
ie.
yeQke keer kegue efej 2 hetbpeer (efej 2 hetbpeer ceW mes Meg keewleer) 9683.21
kejes[ heS nw.
Ie.
Ge efej 2 hetbpeer ceW meceeJesMeve kes efueS hee$e $e+Ce hetbpeer efueKeleW Fme ekeej
nQ:
c.
d.
932.82
30861.81
The Total amount of Tier 2 capital of the bank (net of

deduction from tier 2 capital) is Rs. 9683.21 Crore.
The debt capital instruments eligible for inclusion in Upper
Tier 2 capital are:
(kejes[ . ceW Rs. in Crores)
yekeeee kegue jeefMe
Total amount outstanding
efpemeceW mes eeuet Je<e& kes oewjeve JeefOe&le jeefMe
Of which amount raised during the current year
0.00
hetbpeeriele efveefOeeeW kes he ceW ieCevee keer peeves Jeeueer hee$e jeefMe
Amount eligible to be reckoned as capital funds
6628.55
*.
efvecve efej 2 hetbpeer ceW meceeJesMeve kes efueS hee$e ieewCe $e+Ce hetbpeer efueKeleW Fme
ekeej nQ :
e.
6628.55
Subordinated debt capital instruments eligible for inclusion

in Lower Tier 2 capital are:
yekeeee kegue jeefMe
Total amount outstanding
efpemeceW mes eeuet Je<e& kes oewjeve JeefOe&le jeefMe
Of which amount raised during the current year
0.00
hetbpeeriele efveefOeeeW kes he ceW ieCevee keer peeves Jeeueer hee$e jeefMe
Amount eligible to be reckoned as capital funds
1420.00
e.
hetbpeer heee&hlelee keer ieCevee kes efueS efej I Deewj efej II hetbpeer ceW mes
efvecveevegmeej keewleer keer ieF& nw.
f.
2490.00
For computation of Capital Adequacy, deductions as under

have been done from Tier I and Tier II capital:
nature of Deduction
efej i mes keewleer

efej ii mes keewleer
Deduction from Tier i Deduction from Tier ii
ece mebKee
keewleer kee mJehe
1.
Deve Deieesej Deeeqmleeeb (cesceve keesDee@hejsefJe yew bke keer Deeeqmle SJeb oseleeDeesb
kees ske DeesJej kejves hej . 62.20
kejes[ kes Iees leLee . 88.78 kejes[
keer DeemLeefiele kej DeeefmleeeW meefnle
Ieee)
Other intangible Assets

(Which includes Rs 62.20
Crs unamortized deficit on
account of take over of assets
& liabilities of Memon cooperative Bank Ltd. and Rs
88.78 Crs toward deferred tax
assets).
150.98
0.00
2.
Deveg<ebefieeeW/mebege Gece/meneesieer
FkeeFeeW ceW efveJesMe
Investment in subsidiaries/ JV /
Associates
781.84
781.84
3.
kegue
Total
932.82
781.84
Sr. no.
165

.
2012-13
g.
kegue hee$e hetbpeer ceW efvecveefueefKele Meeefceue nQ :
The total eligible capital comprises of:

efej - I hetbpeer
Tier I Capital
30861.81
efej - II hetbpeer
Tier II Capital
9683.21
]kegue
TOTAL
iii.
hetbpeer heee&hlelee
40545.02
iii. Capital Adequacy

a.
ke. yeQke peceekelee&DeeW leLee meeceeve $e+CeoeleeDeeW kees DeeleeefMele neefveeeW

mes megjef#ele jKeves kes efueS Skemehees]pejeW, JeJemeee Fleeefo kes cetue ceW
neefve kes peesefKece mes yeeeJe kes efueS hebtpeer keer JeJemLee jKelee nw, yeQke kes
heeme efveeeceke leLee DeeefLe&ke hetbpeer oesveeW kes efueS Skeerke=le peesefKece / hetbpeer
cee@[ue leweej kejves nsleg Ske megheefjYeeef<ele Deebleefjke hetbpeer heee&hlelee efveOee&jCe
eefeee (DeeF&meerSSheer) veerefle nw leeefke meYeer peesefKeceeW SJeb Gefele hetbpeer Deeyebve
kees Jeeheke he mes efJekeefmele efkeee pee mekes.
Bank maintains capital to cushion the risk of loss in

value of exposure, businesses etc. so as to protect
the interest of depositors, general creditors and stake
holders against any unforeseen losses. Bank has a
well defined Internal Capital Adequacy Assessment
Process (ICAAP) policy to comprehensively evaluate
and document all risks and to provide appropriate
capital so as to evolve a fully integrated risk/ capital
model for both regulatory and economic capital.
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej yeQke ves $e+Ce peesefKece kes
efueS ceevekeerke=le Heefle, heefjeeueve peesefKece kes efueS DeeOeejYetle mebkesleke
heefle leLee meerDeejSDeej keer ieCevee kes efueS yeepeej peesefKece nsleg ceevekeerke=le
DeeJeefOeke heefle Deheveeeer nw.
In line with the guidelines of the Reserve Bank

of India, the Bank has adopted Standardised
Approach for Credit Risk, Basic Indicator Approach
for Operational Risk and Standardized Duration
Approach for Market Risk for computing CRAR.
hetbpeeriele DeeJeMekelee DeeefLe&ke HeefjJesMe, efveeeceke ]pejleeW leLee yeQke keer

ieefleefJeefOeeeW mes nesves Jeeues peesefKece mes eYeeefJele nesleer nw. yeQke keer hetbpeeriele
Deeeespevee kee GsMe DeeefLe&ke heefjefmLeefleeeW kes heefjJele&ve kes mecee, eneb leke
efke DeeefLe&ke ceboer kes oewj ceW Yeer, hetbpeer heee&hlelee kees megefveefMele kejvee nw.
hetbpeeriele Deeeespevee keer eefeee ceW yeQke efvecveefueefKele keer meceer#ee kejlee nw:
The capital requirement is affected by the economic

environment, regulatory requirement and by the
risk arising from banks activities. Capital Planning
exercise of the bank is carried out every year to
ensure the adequacy of capital at the times of
changing economic conditions, even at the time of
economic recession. In capital planning process the
bank reviews:
yeQke keer ceewpetoe hetbpeeriele DeeJeMekelee.
keejesyeej jCeveerelf e, veerelf e leLee peeseKf ece eJe=ef e kes meboYe& ceW ueef#ele leLee
OeejCeere hetpb eer
YeefJe<e keer hetbpeeriele Deeeespevee Deieues leerve Je<e& kees Oeeve ceW jKekej
keer peeleer nw.
166
Current capital requirement of the bank
The targeted and sustainable capital in terms

of business strategy, policy and risk appetite.
The future capital planning is done on a threeyear outlook.

The capital plan is revised on an annual basis.
The policy of the bank is to maintain capital
as prescribed in the ICAAP Policy (minimum
12% Capital Adequacy Ratio or as decided by
the Bank from time to time). At the same time,
Bank has a policy to maintain capital to take
care of the future growth in business so that
the minimum capital required is maintained on
continuous basis. On the basis of the estimation
bank raises capital in Tier-1 or Tier-2 with due
approval of its Board of Directors. The Capital
Adequacy position of the bank is reviewed by
the Board of the Bank on quarterly basis and
the same is submitted to RBI also.
hebpt eeriele eespevee kees Jeeef<e&ke DeeOeej hej mebMeeseOf ele efkeee peelee nw. yeQke keer
veerelf e Deebleefjke hetpb eer heee&hlelee cetueebkeve veerelf e (vetvelece 12% hetpb eer heee&hlelee
Devegheele ee mecee-mecee hej yeQke kes efveCe&eevegmeej) ceW efveOee&ejf le hetpb eer kees
yeveeS jKevee nw, Fmekes meeLe ner yeQke keer veerelf e YeefJe<e ceW keejesyeej Je=e
f
kes efueS hetpb eer kees yeveees jKevee nw leeefke DeeJeMeke vetvelece hetpb eer kees melele
DeeOeej hej yeveeS jKee pee mekes. Devegceeve kes DeeOeej hej yeQke Deheves efveosMeke
ceb[ue kes Devegceesove mes efej - 1 ee efej - 2 ceW hetpb eer mebie=nerle kejlee
nw. yeQke kes efveosMeke ceb[ue eje efleceener DeeOeej hej yeQke keer hetpb eer heee&hlelee
efmLeefle keer meceer#ee keer peeleer nw Deewj s Yeejleere efjp] eJe& yeQke kees Yeer emlegle
keer peeleer nw.
Ke) 31.03.2013 leke yeQke kes peesefKece Yeeefjle DeeefmleeeW (Deej[yueetS),
vetvelece hetbpeeriele DeeJeMekelee leLee JeemleefJeke hetbpeer heee&hlelee keer efmLeefle
efvecveevegmeej nw:
b.
The position of Banks Risk Weighted Assets (RWA),

Minimum Capital requirement and Actual Capital
Adequacy as on 31.03.2013 are as under:
(i) $e+Ce peesefKece :

$e+Ce peesefKece kes mebyebOe ceW ceevekeerke=le heefle kes DeOeOeerve
mebefJeYeeie (Deej [yuet S)
eefleYetleerkejCe Skeheespej (Deej [yuet S)
$e+Ce peesefKece ceW kegue peesefKece Oeeefjle Deeefmleeeb
Deej[yuetS kes 9.00% keer oj mes $e+Ce peesefKece kes efueS
vetvelece hetbpeeriele DeeJeMekelee
(ii) yeepeej peesefKece :
(i) CREDiT RiSK :

Portfolios subject to standardised approach in
respect of credit risk (RWA)
Securitisation exposures (RWA)
Total RWAs in Credit Risk
Minimum Capital Requirement for Credit Risk
@9.00% of the RWAs
(ii) MARKET RiSK :
Interest rate risk (RWA)

yeepe oj peesefKece (Deej [yuet S)
Foreign exchange risk (including gold) (RWA)
efJeosMeer cege efJeefvecee peesefKece (mJeCe& meefnle) (Deej [yuet S)
Equity risk (RWA)
FefkeJeer peesefKece (Deej [yuet S)
Total
RWAs in respect of Market Risk
yeepeej peesefKece kes mebyebOe ceW kegue Deej [yuet S
Minimum Capital Requirement for Market Risk
Deej [yuet S kes 9.00% keer oj mes yeepeej peesefKece kes
@9.00% of the RWAs
efueS vetvelece hetbpeeriele DeeJeMekelee
(iii) OPERATiOnAL RiSK :
(iii) heefjeeueve peesefKece :
Basic Indicator Approach (RWA)
DeeOeejYetle mebkesleke heefle (Deej [yuet S)
Minimum Capital Requirement for Operational
Deej [yuet S, kes 9.00% keer oj mes heefjeeueve peesefKece kes
Risk @9.00% of the RWAs
efueS vetvelece hetbpeeriele DeeJeMekelee
(iv) TOTAL RWA, CAPiTAL & CRAR
(iv) kegue Deej [yuet S, hetbpeer SJeb meerDeejSDeej
Total RWAs in respect of Credit, Market &
$e+Ce, yeepeej leLee heefjeeueve peesefKece kes efueS kegue
operational Risk
Deej [yuet S
Minimum Capital Requirement for Credit,
Deej [yuet S kes 9.00% keer oj mes $e+Ce, yeepeej leLee
Market & Operational Risk @9.00% of the
heefjeeueve peesefKece kes efueS vetvelece hetbpeeriele DeeJeMekelee
2012-13
Deej[yuetS (yeemesue-II)/hetbpeer
RWA(Basel-II)/Capital
(jeefMe kejes[ ` ceW/
Amount in ` Crore)
266758.43
NIL
266758.43
24008.26
RWA (Basel II)
8959.10
225.00
10611.22
19795.32
1781.57
18203.00
1638.27
304756.75
27428.10
RWAs
(v) JeemleefJeke efmLeefle

hee$e efej I hetbpeer
hee$e efej II hetbpeer
kegue hee$e hetbpeer
yeQke Dee@He ye[ewoe kes efueS kegue hetbpeeriele Devegheele
meerDeejSDeej
kegue Deej [yuet S kes efueS efej I hetbpeer
kegue Deej [yuet S kes efueS efej II hetbpeer
(v) ACTUAL POSiTiOn

Eligible Tier I Capital
Eligible Tier II Capital
9683.21
Total Eligible Capital
40545.02
Total capital ratio for Bank of Baroda:
$e+Ce peesefKece kes meboYe& ceW meeceeve ekeerkejCe

ke. yeQke keer $e+Ce DeeefmleeeW kees Jeieeake=le kejves kes efueS yeQke keer efvecveefueefKele
veerefle nw :
iewj efve<heeoke Deeefmleeeb (SveheerS) : iewj efve<heeoke Deeefmleeeb (SveheerS) Ske
Ssmee $e+Ce ee Deefece nw peneB
i. ceereeoer $e+Ce kes meboYe& ceW 90 efove mes DeefOeke keer DeJeefOe kes efueS
cetueOeve kee yeepe leLee / ee efkemle. Deefleose nes peeleer nw.
ii. DeesJej [êHe / vekeo GOeej (Dees [er / meer meer) kes mebyebOe ceW Keelee
Deefveeefcele jnlee nw.
iii. Kejeros ieS leLee yeeke=le efyeue 90 efoveeW mes DeefOeke keer DeJeefOe kes efueS
Deefleose jnles nQ.
iV.
30861.81
CRAR
13.30%
Tier I capital to Total RWA
10.13%
Tier II capital to Total RWA
3.17%
iV. General disclosures in respect of Credit Risk

a.
The policy of the bank for classifying banks loan assets

is as under:
NON PERFORMING ASSETS (NPA): A non performing
asset (NPA) is a loan or an advance where:
I.
Interest and/ or installment of principal remain
overdue for a period of more than 90 days in respect
of a term loan,
II. The account remains out of order in respect of an
Overdraft/Cash Credit (OD/CC),
III. The bill remains overdue for a period of more than 90
days in the case of bills purchased and discounted,
167
2012-13
IV.
iv. DeuheeJeefOe HemeueeW kes efueS oes Hemeueer ceewmeceeW nsleg cetue jeefMe keer
efkemle DeLeJee Gme hej yekeeee yeepe Deefleose nes peelee nw.
v.
uecyeer DeJeefOe keer HemeueeW kes efueS Ske Hemeueer ceewmece nsleg cetue jeefMe keer
efkemle DeLeJee Gme hej yekeeee yeepe Deefleose nes peelee nw.
efkemeer Dees[er / meer meer Yeer Keeles kees Deefveeefcele Keeles kes he ceW ceevee peeSiee
eefo Keeles ceW mJeerke=le meercee / DeenjCe meercee mes DeefOeke jeefMe 90 efove mes DeefOeke
yekeeee jnleer nes. Ssmes ceeceueeW ceW, peneB cetue heefjeeueveiele Keeles ceW yekeeee
Mes<e mJeerke=le meercee / DeenjCe meercee mes kece jnlee nes uesefkeve peneb legueve-he$e
keer leejerKe kees efvejvlej he mes 90 efoveeW kes efueS DeLeJee Gmeer DeJeefOe kes oewjeve
veeces efkeS ieS yeepe keer Jemetueer nsleg pecee jeefMe Mes<e veneR nes lees Ssmes KeeleeW kees
Deefveeefcele Keeles keer esCeer ceW ceevee peeesiee.
efkemeer Yeer $e+Ce megefJeOee kes Devleie&le yeQke kees ose efkemeer Yeer Ssmeer jeefMe kees Deefleose
ceevee peeesiee eefo en yeQke eje efveOee&efjle keer ieF& ose leejerKe kees Deoe veneR
keer peeleer nw.
iewj efve<Heeoke efveJesMe (Sve Heer DeeF&)

eefleYetefleeeW kes mebyebOe ceW peneB yeepe/cetueOeve yekeeee nw, yeQke eefleYetefleeeW Hej Deee
keer ieCevee veneR kejlee nw leLee efveJesMe kes cetue ceW cetueeme kes efueS mecegefele
eeJeOeeve kejlee nw.
iewj efve<Heeoke efveJesMe (SveHeerDeeF&) pees iewj efve<Heeoke Deefece (SveHeerS) kes meceeve ner
nw, Gmes kenles nQ peneB:
(i)
yeepe / efkemle (HeefjHekeJe eeeqHleeeW meefnle) ose nw Deewj 90 efoveeW mes
DeefOeke mecee leke Deoe jnlee nw.
(ii)
en DeefOeceeveer MesejeW Hej peneB efveOee&efjle ueeYeebMe kee Yegieleeve venerb

efkeee ieee nw, DeeJeMeke HeefjJele&veeW meefnle ueeiet neslee nw.
(iii)
FeqkeJeer MesejeW kes ceeceues ceW, peneB efkemeer kebHeveer kes MesejeW kes efveJesMe
kejves Hej cetue eefle kebHeveer 1/- hees efkeee ieee nw. Yeejleere
efj]peJe& yeQke kes efveosMeeW kes Devegmeej Deeleve legueve He$e keer DevegHeueyOelee
kes keejCe Gve FeqkeJeer Mesejesb keer ieCevee Yeer SveHeerDeeF& kes He ceW
keer peeleer nw.
(iv)
eefo efveie&cekelee& eje eeHle keer ieF& keesF& $e+Ce megefJeOee yeQke keer
yeefneeW ceW SveHeerS nw lees Gme efveie&cekelee& eje peejer keer ieF& efkemeer Yeer
eefleYetefle ceW efveJesMe kees SveHeerDeeF& leLee efJeueescele: ceevee peeSiee.
ef[yeWej / yeeb[ ces efveJesMe pees efke Deefece kes He ceW ceeves peeles nQ, efveJesMe
Hej ueeiet nesves Jeeues SveHeerDeeF& ceeveob[eW kes DeOeOeerve nQ.
yeQke keer iewj efve<Heeoke DeefmleeeW kees efvecveefueefKele -3- esefCeeeW ceW Jeieer&ke=le
efkeee ieee nw.
l
DeJeceeveke Deeefmleeeb
DeJeceeveke Deeefmle mes DeefYeeee, Ssmeer Deefmle mes nw pees efke 12 cenerveeW keer DeJeefOe
mes kece DeLeJee mecelegue DeJeefOe kes efueS iewj efve<heeoke Deeefmle jner nes.
l
mebefoiOe Deeefmleeeb
efkemeer Yeer Deeefmle kees, 12 cenerveeW kes efueS DeJeceeveke esCeer ceW yeves jnves keer
efmLeefle ceW Gmes mebefoiOe kes he ceW Jeieeake=le efkeee peeesiee.
l
neefve Jeeueer Deeefmleeeb
neefve Jeeueer Deeefmle mes DeefYeeee Ssmeer Deeefmle mes nQ peneb neefve yeQke DeLeJee
Deebleefjke DeLeJee yeee uesKee hejer#ekeeW DeLeJee Yeejleere efjpeJe& yeQke kes efvejer#eCe
eje helee eueer nes. neefve Jeeueer DeeefmleeeW ceW GheueyOe eefleYetelf e kee Jemetueer eesie
cetue, yekeeee Mes<e / oseeW kee 10% mes DeefOeke veneR neslee nw.
(v)
168
The installment of principal or interest thereon

remains overdue for two crop seasons for short
duration crops,
V. The installment of principal or interest thereon
remains overdue for one crop season for long
duration crops.
An OD/CC account is treated as 'out of order' if the
outstanding balance remains continuously in excess of
the sanctioned limit/drawing power for more than 90 days.
In cases where the outstanding balance in the principal
operating account is less than the sanctioned limit/drawing
power, but there are no credits continuously for 90 days as
on the date of Balance Sheet or credits are not enough to
cover the interest debited during the same period, these
accounts are treated as 'out of order'.
Any amount due to the bank under any credit facility is
overdue if it is not paid on the due date fixed by the bank.
non Performing investments (nPi)
In respect of securities, where interest/principal is in
arrears, the Bank does not reckon income on the securities
and makes appropriate provisions for the depreciation in
the value of the investment.
A non-performing investment (NPI), similar to a nonperforming advance (NPA), is one where:
(i) Interest/ installment (including maturity proceeds) is
due and remains unpaid for more than 90 days.
(ii) This applies mutatis-mutandis to preference shares
where the fixed dividend is not paid.
(iii) In the case of equity shares, in the event the
investment in the shares of any company is valued at
Re.1 per company on account of the non-availability
of the latest balance sheet in accordance with the
Reserve Bank of India instructions. Those equity
shares are also reckoned as NPI.
(iv) 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 is treated as NPI and vice
versa.
(v) The investments in debentures / bonds which are
deemed to be in the nature of advance are subjected
to NPI norms as applicable to investments.
non Performing Assets of the Bank are further
classified in to three categories as under:
l Sub standard Assets
A sub standard asset is one which has remained NPA for
a period less than or equal to 12 months.
l Doubtful Assets
An asset would be classified as doubtful if it has remained
in the sub standard category for 12 months.
l Loss Assets
A loss asset is one where loss has been identified by
the bank or by internal or external auditors or the RBI
inspection. In loss assets realizable value of security
available is less than 10% of balance outstanding/ dues.

Ke. keee&veerefle SJeb eefeeeSb
yeQke keer, $e+Ce peeseKf ece eyebOeve kes cenlJehetCe& #es$eeW kees Meeefceue kejles ngS hetCe& he
mes heefjYeeef<ele $e+Ce veerelf e SJeb efveJesMe veerelf e nw, pees efke efvecveevegmeej nw :
l DeLe&JeJemLee kes efJeefYeVe #es$eeW ceW Skemeheespej ($e+Ce) meerceeSb, $e+efCeeeW
kes efJeefYeVe ekeej Deewj Gvekes ieghe SJeb Geesie
l $e+Ce efJelejCe ceW Gefele JeJenej mebefnlee
l yeQke ceW efJeefYeVe mlejeW kes eeefOekeeefjeeW kes efueS $e+Ce eoeve kejves
mebyebOeer efJeJeskeeefOekeej
l $e+Ce efJelejCe eefeee- mJeerke=efle hetJe& efvejer#eCe, DemJeerkeej kejvee,
cetueebkeve, mJeerke=efle, omleeJespeerkejCe, ceeveerefjbie Deewj Jemetueer Deeefo
kes mebyebOe ceW eefeeeSb
l cetue efveOee&jCe
ie. yeQke kee $e+Ce peesefKece oMe&ve, mebjevee Deewj eCeeueer efvecveevegmeej nw
$e+Ce peesefKece oMe&ve
l
peesefKece eyebOeve Fme ekeej efkeee peeS efke yeQke kes mebmeeOeveeW keer
megj#ee, keeheexjs Je=ef SJeb mece=ef megefveefMele kejves kes meeLe Mesej
OeejkeeW kes DeeefLe&ke cetue ceW ye{esejer nes leLee meYeer efnle OeejkeeW kes
efnle mebjef#ele neW.
l
yeQke Deheves efJeeere mebmeeOeveeW kees eefceke he mes megJeJeefmLele Deewj
keejiej yeveees leeefke efJeefYeVe ewveueeW kees hejmhej pees[e pee mekes
leLee yeQke kes meeceeve ue#eeW Deewj GsMeeW keer eeefhle keer pee mekes.
l
DeLe&JeJemLee keer efJeefYeVe jeêre eeLeefcekeleeDeeW kees eespeveeye
{bie mes hetje kejves kes efueS mebmLeeiele efJee kes DeefYeefveeespeve eje
DeLe&JeJemLee kes efJeefYeVe Glheeoke #es$eeW ceW eespeveeye {bie mes ue#e
eehle efkeS peeSb.
l
GeceJeej $e+Ce mebmke=efle efJekeefmele kejvee Deewj heefjeeueve me@He kees
meneesie eoeve kejvee.
l
efJeefYeVe $e+Ceer JeieeX kees DeeJeMekelee DeeOeeefjle Deewj mecee hej $e+Ce
megefJeOee GheueyOe kejJeevee.
l
mJeerke=eflehetJe&, mJeerke=efle Ghejeble ceeefveefjbie, hee&Jes#eCe Deewj DevegJeleea
keoce G"eles ngS $e+Ce eyebOeve keewMeue kees eYeeJeer yeveevee leeefke yeQke
ceW keejiej $e+Ce mebmke=efle efJekeefmele keer pee mekes leLee $e+Ce mebefJeYeeie
kees iegCeJeee ege yeveeee pee mekes.
l
iegCeJeee cetueebkeve SJeb lelhejlee kes meeLe efJemle=le ceeie&efveosMeeW kee
hetCe& Devegheeueve DeefOeke eYeeJehetCe& {bie mes kejles ngS $e+Ce emleeJeeW
hej keee&Jeener kejvee.
l
eqJeefYeVe efJeefveeeceke DeeJeMekeleeDeeW efJeMes<e he mes Yeejleere efjpeJe&
yeQke / Deve eeefOekeeefjeeW, SkemeHeespej ceeveob[eW, eeLeefcekelee eehle
#es$e kes ceeveob[eW, Deee heneeve Deewj Deeefmle JeieeakejCe ceeie&efveoxMe,
hetbpeer heee&hlelee, $e+Ce peesefKece eyebOeve ceeie&efveoxMeeW Deeefo keer
Devegheeuevee kejvee.
yeQke keer mebjevee Deewj eCeeefueeeb
l
yeQke ceW peesefKece eyebOeve keee&keueeheeW keer osKejsKe leLee mecevJee
keeeex kes efueS yees[& eje efveosMekeeW keer Ske Ghemeefceefle kee ie"ve
efkeee ieee nw.
l
$e+Ce veerefleeeW meefnle efJeefYeVe $e+Ce peesefKece veerefleeeW kees leweej kejves
Deewj Gve kee efeeevJeeve megefveefMele kejves, $e+Ce eoeve kejves mebyebOeer
b.
c.
2012-13
Strategies and Processes

The bank has a well defined Loan Policy & Investment
Policy covering the important areas of credit risk
management as under:
l
Exposure ceilings to different sectors of the economy,
different types of borrowers and their group and
industry
l
Fair Practice Code in dispensation of credit
l
Discretionary Lending Powers for different levels of
authority of the bank
l
Processes involved in dispensation of credit presanction inspection, rejection, appraisal, sanction,
documentation, monitoring, and recovery.
l
Fixation of pricing.
The Credit Risk philosophy, architecture and systems
of the bank are as under:
Credit Risk Philosophy
l
To optimize the risk and return envisaged in order to
see that the Economic Value Addition to Shareholders
is maximized and the interests of all the stakeholders
are protected alongside ensuring corporate growth
and prosperity with safety of banks resources.
l
To regulate and streamline the financial resources of
the bank in an orderly manner to enable the various
channels to incline and achieve the common goal
and objectives of the Bank.
l
To comply with the national priorities in the matter
of deployment of institutional finance to facilitate
achieving planned growth in various productive
sectors of the economy.
l
To instill a sense of credit culture enterprise-wide and
to assist the operating staff.
l
To provide need-based and timely availability of credit
to various borrower segments.
l
To strengthen the credit management skills namely
pre-sanction, post-sanction monitoring, supervision
and follow-up measures so as to promote a healthy
credit culture and maintain quality credit portfolio in
the bank.
l
To deal with credit proposals more effectively
with quality assessment, speedy delivery, in full
compliance with extant guidelines.
l
To comply with various regulatory requirements,
more particularly on Exposure norms, Priority
Sector norms, Income Recognition and Asset
Classification guidelines, Capital Adequacy, Credit
Risk Management guidelines etc. of RBI/other
Authorities.
Architecture and Systems of the Bank:
l
A Sub-Committee of Directors has been constituted
by the Board to specifically oversee and co-ordinate
Risk Management functions in the bank.
l
Credit Policy Committee has been set up to formulate
and implement various credit risk strategy including
lending policies and to monitor Banks Enterprisewide Risk Management function on a regular basis.
169
Ie.
[.
2012-13
veerefleeeW Deewj yeQke keer GeceJeej peesefKece eyebOeve keeeex keer efveeefcele
osKejsKe kejves kes efueS $e+Ceveerefle meefceefle kee ie"ve efkeee ieee nw.
l
$e+Ce emleeJeeW kes ceevekeeW, efJeeere emebefJeoeDeeW, jsefbie ceevekeeW leLee
yeWeceeke& kes mebyebOe ceW ceeveke veerefleeeb leweej kejvee.
l
$e+Ce peesefKece eyebOeve ke#e efveOee&efjle meerceeDeeW kes lenle heneeve,
mlej, osKejsKe leLee $e+Ce peesefKece efveeb$eCe mebyebOeer keee& osKeles nQ.
l
yees[& / efveeecekeeW Deeefo eje leweej efkeS ieS peesefKece ceeveob[ leLee
mebYeeJevee meerceeDeeW kees ueeiet kejvee leLee Gvekee Devegheeueve megefveefMele
kejvee.
l
peesefKece cetueebkeve eCeeefueeeW kees leweej kejvee, Sce DeeF& Sme
kee efJekeeme kejvee Deewj $e+Ce mebefJeYeeie keer iegCeJeee keer osKejsKe,
mecemeeDeeW keer heneeve, keceer kees hetje kejvee.
l
mebefJeYeeie cetueebkeve kejvee, DeLe&JeJemLee, Geesie hej legueveelceke
efJeJesevee leweej kejvee, $e+Ce mebefJeYeeie hej ueeeruesheve kee hejer#eCe
kejvee.
l
efveOee&efjle efveeceeW Deewj ceeie& efveoxMeeW keer hetCe& he mes Devegheeuevee kes
efueS $e+Ce meghego&ieer eCeeueer ceW megOeej ueevee.
peeseKf ece efjheexef ib e keer mebYeeJeveeSb Je eke=efle Deewj/DeLeJee Deekeueve heefle
yeQke kes heeme Deheves $e+Ce peesefKece kes efueS ke[er $e+Ce peesefKece jsefbie eCeeueer
GheueyOe nw. $e+Ce peesefKeceeW kees kece kejves kes eYeeJeer Gheeeesb ceW efkemeer Yeer
Deeefmle efJeMes<e ceW peesefKece keer mebYeeJeveeDeeW kee helee ueieevee, meg{ Deeefmle
iegCeJelee osKejsKe, yeQke keer mecee keee&veerefle Deewj $e+Ceveerefle kes Deveghe
Dehesef#ele peesefKece efjve& ceeveob[eW kees hetje kejves kes efueS DeeefmleeeW keer keerceleeW
kees ueeeruee yeveevee Meeefceue nw.
yeQke keer ke[er $e+Ce peeseKf ece jsef ib e eCeeueer Devleje&e^ r e mlej hej Deheveees pee
jns mJehe Deewj efJee keer cenlJehetCe& eefeeeDeeW hej DeeOeeefjle nw Deewj en yeQke
kees $e+Ce DeeefmleeeW ceW etke keer mebYeeJeveeDeeW kee efveOee&jCe kejves leLee etke keer
iebYeerjlee kee helee ueieeves ceW meneesie kejleer nw Deewj Fme ekeej en eCeeueer yeQke
kees heefle efvecee&Ce leLee Deeefmle iegCeJeee kees yejkejej jKeves ceW ceoo kejleer nw.
31.03.2013 kees $e+Ce peesefKece kes mebyebOe ceW cee$eelceke ekeerkejCe
efvecveevegmeej nQ:
e.
Geesie
Sr.
Formulating policies on standards for credit

proposals, financial covenants, rating standards and
benchmarks.
l
Credit Risk Management cells deal with identification,
measurement, monitoring and controlling credit risk
within the prescribed limits.
l
Enforcement and compliance of the risk parameters
and prudential limits set by the Board/regulator etc.,
l
Laying down risk assessment systems, developing
MIS, monitoring quality of loan portfolio, identification
of problems and correction of deficiencies.
l
Evaluation of Portfolio, conducting comprehensive
studies on economy, industry, test the resilience on
the loan portfolio etc.,
l
Improving credit delivery system upon full compliance
of laid down norms and guidelines.
The Scope and nature of Risk Reporting and / or
Measurement System:
The Bank has in place a robust credit risk rating system
for its credit exposures. An effective way to mitigate credit
risks is to identify potential risks in a particular asset,
maintain healthy asset quality and at the same time impart
flexibility in pricing assets to meet the required risk-return
parameters as per the banks overall strategy and credit
policy.
The banks robust credit risk rating system is based
on internationally adopted frameworks and global
best practices and assists the bank in determining the
Probability of Default and the severity of default, among
its loan assets and thus allows the bank to build systems
and initiate measures to maintain its asset quality.
The Quantitative Disclosures in respect of Credit Risk
as on 31.03.2013 are as under:
l
d.
e.
industry
31.03.2013 kees As on 31.03.2013

( jeefMe kejes[ . ceW Amount in Rs. Crores)
efveefOe DeeOeeefjle
iewjefveefOe DeeOeeefjle
Fund based non Fund Based
kegue mekeue $e+Ce peesefKece yekeeee Mes<e

(JewefMJeke)
Total gross credit risk outstanding

balance (global)
Yeewieesefueke mebefJelejCe
Geographic distribution
kegue
Total
332811.32
60201.88 393013.20
1. Iejsuet
1. Domestic
228557.09
50222.50 278779.59
2. efJeosMeer
2. Overseas
104254.23
9979.38 114233.61
industry
e. meb
Geesie
Keveve SJeb GlKeveve
Mining and Quarrying
S.1
keeseuee
A.1
S.2
Deve
yeer.
1182.34
749.78
1932.12
Coal
176.16
230.76
406.92
A.2
Other
1006.18
519.02
1525.20
Keee hemkejCe
B.
Food Processing
5613.81
2446.68
8060.49
yeer.1
eerveer
B.1
Sugar
1079.62
9.75
1089.37
yeer.2
Keee lesue SJeb Jevemheefle
B.2
Edible Oils and Vanaspati
780.26
2122.50
2902.76
170
e.
Geesie
Sr.
yeer.3
eee
B.3
yeer.4
keeHeer
yeer.5
industry
2012-13
TEA
39.19
1.74
40.93
B.4
Coffee
10.17
0.00
10.17
Deve
B.5
Others
3704.58
312.67
4017.25
meer.
hese heoeLe&
C.
Beverages
571.22
176.02
747.24
meer.1
lecyeeket SJeb lecyeeket Glheeo
C.1
Tobacco and tobacco products
276.23
153.94
430.17
meer.2
Deve
C.2
Others
294.99
22.08
317.07
[er.
wkemeeFue
D.
Textiles
11562.30
1954.55
13516.85
[er.1
keeve wkemeeFue
D.1
Cotton Textile
5137.63
500.38
5638.01
[er.2
pet wkemeeFue
D.2
Jute Textile
166.61
45.80
212.41
[er.3
nmleefMeuhe / Keeoer
D.3
Handicraft/Khadi
285.53
13.95
299.48
[er.4
efmeuke
D.4
Silk
256.81
32.64
289.45
[er.5
Jetueve
D.5
Woollen
371.59
6.46
378.05
[er.6
Deve
D.6
Others
5344.13
1355.31
6699.44
Out of D to spinning Mills
2988.45
399.96
3388.41
[er ceW mes eqmheeEveie efceume
kegue
Total
F&.
ece[e Deewj ece[e Glheeo
E.
Leather and Leather products
409.00
61.02
470.02
SHe.
kee<" SJeb kee<" Glheeo
F.
Wood and Wood products
487.56
128.29
615.85
peer.
keeiepe SJeb keeiepe Glheeo
G.
Paper and Paper products
1611.94
340.62
1952.56
Se.
hesêsefueece
H.
Petroleum
2939.77
2632.90
5572.67
Deee.
jmeeeve Deewj jmeeeve Glheeo
I.
Chemicals and Chemical Products
8538.52
2086.38
10624.90
Deee.1
GJe&jke
I.1.
Fertilizers
1023.23
807.27
1830.50
Deee.2
[îe SJeb Heecee&metefkeue
I.2
Drugs and Pharmaceuticals
2568.82
343.08
2911.90
Deee.3
hesês-kesceerkeume
I.3
Petro-Chemicals
1270.36
139.80
1410.16
Deee.4
Deve
I.4
Other
3676.11
796.23
4472.34
pes.
jye[ hueeeqmke SJeb Deve Glheeo
J.
Rubber Plastic and their Products
2911.68
752.04
3663.72
kes.
iueeme SJeb iueemeJesej
K.
Glass and Glassware
943.80
272.11
1215.91
Sue.
meerceW SJeb meerceW Glheeo
L.
Cement and Cement Products
1357.63
155.91
1513.54
Sce.
cetue Oeeleg SJeb Oeeleg Glheeo
M.
Basic Metal and Metal Products
14755.47
4263.18
19018.65
Sce.1
ueewn SJeb merue
M.1
Iron and Steel
11129.91
3207.83
14337.74
Sce.2
Deve cetue Oeeleg SJeb Oeeleg Glheeo
M.2
Other Metal and Metal Products
3625.56
1055.34
4680.90
Sve.
mecemle FbpeerefveeeEjie
N.
All Engineering
6354.65
4808.44
11163.09
Sve.1
Fuewkeêsefvekeme
N.1
Electronics
1206.68
417.96
1624.64
Sve.2
Deve FbpeerefveeeEjie
N.2
Other Engg
5147.97
4390.48
9538.45
Dees.
Jeenve, Jeenve hegpex Deewj heefjJenve Ghemkej O.
Vehicles, vehicle parts and Transport

Equipments
1523.58
641.70
2165.28
heer.
pescme SJeb pJewuejer
Gems and Jewellery
1515.48
130.78
1646.26
P.
171
2012-13
e.
Geesie
Sr.
keet.
efvecee&Ce
Q.
Deej.
mebjevee
Deej.1
industry
Construction
5237.57
1095.70
6333.27
R.
Infrastructure
31801.08
7319.02
39120.10
heefjJenve
R.1
Transport
7560.65
2086.56
9647.21
Deej.1.1
jsueJes
R.1.1
Railways
15.56
2.42
17.98
Deej.1.2
me[ke heefjJenve
R.1.2
Roadways
5674.40
1765.33
7439.73
Deej.1.3
efJeceeveve
R.1.3
Aviation
555.03
6.32
561.35
Deej.1.4
peue heefjJenve
R.1.4
Waterways
436.65
90.23
526.88
Deej.1.5
Deve heefjJenve
R.1.5
Others Transport
792.58
222.25
1014.83
Deej.2
Tpee&
R.2
Energy
15991.22
3717.54
19708.76
Deej.2.1
efJeegle pesve-êbme--ef[mêryetMeve
R.2.1
Electricity gen-trans--distribution
15989.31
3717.54
19706.86
5244.45
294.93
5539.38
Oil
0.00
0.00
0.00
Gas/LNG (STORAGE AND

PIPELINE)
1.91
0.00
1.91
0.00
0.00
0.00
kegue
Total
Deej.2.1.1 FveceW mes jepe efyepeueer yees[&
R.2.1.1 of which state electricity Board
Deej.2.2
lesue
R.2.2
Deej.2.3
iewme / SueSvepeer (mesjspes SJeb heeFhe R.2.3

ueeFve)
Deej.2.4
Deve
R.2.4
Other
Deej.3
sefuekecegefvekesMeve
R.3
Telecommunication
5698.12
695.57
6393.69
Deej.4
Deve
R.4
others
2637.52
810.65
3448.17
Deej.4.1
peue mJelee
R.4.1
Water Sanitation
175.83
417.93
593.76
Deej.4.2
meeceeefpeke SJeb JeeefCeeqpeke mebjevee
R.4.2
Social and Commercial Infrastructure
398.15
165.29
563.44
Deej.4.3
Deve
R.4.3
Others
2063.54
236.12
2299.66
Sme.
Deve Geesie
S.
Other Industries
2193.68
1225.03
3418.71
meYeer Geesie (kegue)
All industries (Total)
GeesieeW ceW $e+Ce Skemehees]pej, peneb yekeeee Skemehees]pej yeQke kes kegue Iejsuet $e+Ce
Skemehees]pej kes 5% mes DeefOeke nw, Fme ekeej nw,
ece
mebKee
Sr no
1
172
Geesie
industry
efJeegle pesveêbme ef[mêryetMeve Electricity gen-trans-distribution

ueewn Deewj Fmheele Iron and Steel
101511.07
31240.15 132751.22
Credit exposure in industries where out standing exposure is

more than 5% of the total domestic credit exposure of the bank
are as follows:
Skemehees]pej jeefMe (kejes[ . ceW) kegue Iejsuet Skemehees]pej kee %

Exposure amt. (in cr.)
% of Total Domestic
Exposure
19706.85
7.07
14337.74
5.14

e.
f.
DeeefmleeeW keer DeJeefMe heefjhekeJelee kee efJeues<eCe
2012-13
Residual maturity breakdown of assets

Residual contractual maturity breakdown of Assets - As on 31st March
2013
31 ceee& 2013 kees DeeeqmleeeW kee DeJeefMe mebefJeoeiele HeefjHekeJelee efJeMues<eCe -
`. kejes[
meceeeJeefOe
Time
bucket
Deefece Advances
Iejsuet .
Iejsuet efJeosMeer
Domestic
cege
Rupee
efJeosMeer
int'l
efveJesMe investments
kegue (S)
Total (A)
Iejsuet
efJeosMeer
Domestic
int'l
Deve efJeosMeer cege Deeefmleeeb
Other Foreign Currency Assets
kegue (yeer)
Iejsuet
495.64 11822.00 12317.64
Total (B) Domestic
efJeosMeer
int'l
Domestic
Fgn
Currency
kegue (meer)
Total
(C )
ceW
Rs. In Crore
kegue
Deeefmleeeb
eefleMele
%age
Total
Assets
(A+B+C)
1 efove
1D
2256.94
29.77
2347.66
4634.37
2604.40
1.43
2605.83
19557.84
3.77%
2-7 efove
2-7 D
5198.17
74.50
2995.90
8268.57
1922.49
13.38
1935.87
6587.51
4880.57 11468.08
21672.51
4.18%
8-14 efove
8-14 D
7812.67
90.79
2977.95
10881.41
672.06
43.08
715.14
395.57
1845.37 2240.94
13837.49
2.67%
15-28 efove
15-28 D
3130.77
439.38
5654.85
9225.00
564.54
23.85
588.39
325.71
6384.53 6710.24
16523.63
3.18%
29 efove-90 efove 29-90 D
21010.95
2214.41
21007.51
44232.88
9489.81
120.01
9609.82
3 cenerves-6 cenerves 3 - 6 M
12540.57
1528.65
22473.01
36542.22
2821.39
574.24
3395.63
0.00
8819.65 8819.65
48757.50
9.39%
6
cenerves-12 6 - 12 M 22559.65
c e n e r v e s
1402.18
6305.45
30267.28
2476.69
287.97
2764.66
0.00
7680.61 7680.61
40712.54
7.84%
3419.95 15605.25 19025.20
1 Je<e&-3 Je<e&
1-3Y
74768.48
201.44
20326.73
95296.65 15708.01
906.86 16614.87
0.00
407.84
3 Je<e&-5 Je<e&
3-5Y
21804.04
160.51
14740.88
36705.42 12281.62
1519.33 13800.94
0.00
37.10
5 Je<e& mes DeefOeke O v e r 5 Y 47056.41
14.07
5061.50
52131.98 68218.57
1144.00 69362.57
104.80
652.05
6155.69
103891.4
328185.77 116759.5
TOTAL
kegue
218138.63
eceebke
i
ii
iv
9.74%
756.85 122251.40 23.55%
jeeqMe kejes[ ` ceW

Amount in ` Crores
7982.58
DeJeceeveke
Substandard
4918.70
mebefoiOe 1
Doubtful 1
1847.78
mebefoiOe 2
Doubtful 2
708.51
mebefoiOe 3
Doubtful 3
130.00
neefve
Loss
377.59
Meg SveheerS
ii
SveheerS Devegheele
Net NPAs
Total
kegue
iii
50543.47
NPAs (Gross):
SveheerS (mekeue)
37.10
Disclosures in respect of non Performing Advances

and investments
Asset Category
Deeefmle esCeer
Sr. no.
407.84 112319.36 21.64%
4634.15 121393.73 11329.18 58134.97 69464.15 519043.64 100.00%
g.
iewj eqve<heeoke DeefeceeW SJeb efveJesMeeW kes yeejs ceW ekeerkejCe
72867.90 14.04%
iii
4192.02
NPA Ratios
mekeue DeefeceeW ceW mekeue SveheerS
Gross NPAs to gross advances
2.40%
efveJeue Deefece ceW efveJeue SveheerS
Net NPAs to net advances
1.28%
SveheerS (mekeue) kee cetJeceW
iv
Movement of NPA(Gross)
eejbefYeke Mes<e
Opening balance
4464.75
pees[
Additions
6843.80
keceer
Reductions
3325.97
173

eceebke
2012-13
Asset Category
Deeefmle esCeer
Sr. no.
Closing balance
Deefvlece Mes<e
v
vi
vii
SveheerS kes efueS eeJeOeeve kee cetJeceW
jeeqMe kejes[ ` ceW

Amount in ` Crores
7982.58
Movement of provisions for NPAs
eejbefYeke Mes<e
Opening balance
2921.11
Je<e& kes oewjeve efkeee ieee eeJeOeeve
Provision made during the year
2989.52
yes Keeles/DeefOeke eeJeOeeve kee hegvejebkeve
Write off/ Write back of excess provision
2120.08
Deefvlece Mes<e
Closing balance
3790.55
iewj efve<heeoke efveJesMe
vi
Non Performing Investments
iewj efve<heeoke efveJesMe keer jeeqMe
Amount of Non-Performing Investments
405.25
iewj efve<heeoke efveJesMe kes efueS jKes iees eeJeOeeve keer

jeeqMe
Amount of provisions held for nonperforming investment
303.56
Je<e& kes oewjeve efveJesMe hej cetueeme nsleg eeJeOeeveeW kee vii Movement of provisions for depreciation on
investments during the year
cetJeceW
eejbefYeke Mes<e
Opening balance
703.88
DeJeefOe kes oewjeve efkeee ieee eeJeOeeve
Provisions made during the period
hegvejebkeve
Write-back
106.30
Deefvlece Mes<e
Closing balance
919.15
*321.57
* . 7.08 kejes[ kes efJeefvecee Gleej-e{eJe kees Devleje&êre Skemehees]pej kes efueS meceeeesefpele efkeee ieee nw.
*Exchange fluctuation of Rs. 7.08 cr has been adjusted for international exposure.
V.
$e+Ce peeseKf ece : ceevekeerke=le heefle kes lenle heesH& eeseuf eees nsleg
ekeerkejCe
V.
ceevekeerrke=le heefle kes lenle yeQke, Yeejleere efjpeJe& yeQke eje Devegceesefole
meYeer F&meerSDeeF& (yeee $e+Ce cetueekeve mebmLeeve) eLee meerSDeejF&, efeefmeue,
efHee (Fbef[ee), Deewj DeeFmeerDeejS keer Iejsuet $e+Ce Skemeheespej nsleg jsefbie kees
mJeerkeej kejlee nw. efJeosMeer $e+Ce Skemeheespej kes efueS yeQke msC[[& SJeb hetDej,
cet[er, leLee efHee keer jsefbie mJeerkeej kejlee nw.
yeQke keeheexjs leLee meeJe&peefveke #es$e eefleeve kes GOeejkelee&DeeW kees F&meerSDeeF&
mes jsefbie uesves kees eeslmeeefnle kejlee nw Deewj peneB kenerb Ssmeer jsefbie GheueyOe
nw, JeneB peesefKece hej DeeefmleeeW keer ieCevee kes efueS Fve jsefbieeW kee Gheeesie
efkeee nw.efvecveefueefKele leerve ecegKe peesefKece mecetneW ceW ceevekeerke=le heefle
(cetueebefkele Deewj iewj cetueebefkele) kes Devegmeej peesefKece kece kejves kes heeele,
peesefKece jeefMeeeB Fme ekeej nQ.
Credit risk: Disclosures for portfolios subject to

the standardised approach
Under Standardized Approach the bank accepts rating
of all RBI approved ECAI (External Credit Assessment
Institution) namely CARE, CRISIL, Fitch (India), ICRA,
SMERA (SME Rating Agency of India Ltd.) and Brickwork
India Pvt Ltd for domestic credit exposures. For overseas
credit exposures the bank accepts rating of Standard &
Poor, Moodys and Fitch.
The bank encourages Corporate and Public Sector
Entity (PSE) borrowers to solicit credit ratings from ECAI
and has used these ratings for calculating risk weighted
assets wherever such ratings are available. The exposure
amounts after risk mitigation subject to Standardized
Approach (rated and unrated) in the following three major
risk buckets are as under:
jeefMe kejes[ hees ceW / Amount in Cr.
peesefKece Yeej keer esCeer
Category of Risk Weight
100% peesefKece Yeej mes kece
Below 100% risk weight
213762.75
100% peesefKece Yeej
100% risk weight
116768.59
100% peesefKece Yeej mes DeefOeke
More than 100 % risk weight
33003.76
meerDeejSce keewleer
CRM DEDUCTED
29478.11
kegue Skemehees]pej (SHe yeer+Sve SHe yeer)
Total Exposure ( FB+NFB)
174
kegue/Total
393013.20

Vi.
Deefece peesefKece vetveerkejCe
ke. yeQke Deheves GOeejkelee&DeeW hej Skemeheespej (efveefOe DeeOeeefjle leLee iewj efveefOe
DeeOeeefjle) kees mebjef#ele kejves kes efueS efJeefYeVe ekeej keer eefleYetelf eeeB (pees
efke mebheeefe&ke he ceW Yeer nes mekeleer nw) eehle kejles nQ.w yeQke ves Yeejleere
efjp] eJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej keg Deefece peeseKf ece vetve
kejves kes yeejs ceW Skemeheespej ceW keceer keer veerelf e kees Deheveeee nw, peneb
keneR keeheexjs ieejber Deefece peeseKf ece vetve kejves kes he ceW GheueyOe
nw, Deefece peeseKf ece GheueyOe ieejber keer meercee leke ieejberoeleeDeeW kees
Debleefjle efkeee peelee nw. meeceevele: efvecveefueefKele ekeej keer eefleYetelf eeeB
(cegKe eefleYetelf eeeB DeLeJee mebHeeefe&ke eefleYetelf eeeB) ueer peeleer nQ.w
2012-13
Vi. Credit risk mitigation:

a.
Bank obtains various types of securities (which may also

be termed as collaterals) to secure the exposures (Fund
based as well as Non-Fund based) on its borrowers. Bank
has adopted reduction of exposure in respect of certain
credit risk mitigant, as per RBI guidelines. Wherever
corporate guarantee is available as credit risk mitigant, the
credit risk is transferred to the guarantor to the extent of
guarantee available. Generally following types of securities
(whether as primary securities or collateral securities) are
taken:
1.
me@ke, eue ceMeervejer Fleeefo pewmeer eue DeeefmleeeB.
1.
Moveable assets like stocks, moveable machinery etc.
2.
Yetefce, efyeefu[bie, hueeb leLee ceMeervejer pewmeer Deeue DeefmleeeB.
2.
Immoveable assets like land, building, plant & machinery.
3.
Devegceesefole meteer kes Devegmeej Mesej
3.
Shares as per approved list
4.
yeQke keer mJeeefOeke=le peceejeefMeeeB.
4.
Banks own deposits
5.
jeêr e yeele eceeCehe$e, efkemeeve efJekeeme he$e, SueDeeFmeer hee@euf eefmeeeB,

kesvere/jepe mejkeejeW Deeefo eje peejer keer ieF& Heelf eYetelf eeeB Fleeefo
5.
NSCs, KVPs, LIC policies, Securities issued by Central &

State Governments etc.
6.
6.
$e+Ce HeefleYetefleeeb - keefleHee Meleexb kes meeLe kesef[ jsefbie Spesvmeer eje
Devegceesefole
Debt securities - rated by approved credit rating agencywith certain conditions
7.
7.
$e+Ce HeefleYetefleeeb -jseEie venerb keer ieF& keefleHee Melees kes meeLe Ske yeQke
eje peejer
Debt securities- not rated- issued by a bank- with certain

conditions
8.
Units of Mutual funds
8.
cetegDeue Heb[eW keer etefveW
9.
Cash Margin against Non-fund based facilities
9.
iewj efveefOe DeeOeeefjle megefJeOeeDeeW kes hess vekeoer ceeefpe&ve.
10.
Gold and Gold Jewelry.
10. mJeCe& SJeb mJeCe& DeeYet<eCe

yeQke kes Heeme, yeQke kees eYeeefjle eefleYetefleeeW kes cetueebkeve kes mebyebOe ceW yesnlej
veerefle GHeueyOe nw.
yeQke ves Thej ece mebKee 4 mes 10 hej GefuueefKele eefleYetefleeeW kees $e+Ce peesefKece
nsleg ceevekeerke=le heefle yeemesue-II kes Devleie&le $e+Ce peesefKece keceer keejke kes
he ceW efueee nw]
yeQke kes $e+Ce peeseKf ece kes SJepe ceW ieejberoeleeDeeW kes ecegKe ekeej efvecveevegmeej nQ:
l Jeweefkeleke (Jeefeiele ieejbefeeb)
l keeheexjsdme / Heer Sme F&
l kesvere mejkeej
l jepe mejkeej
l F&meerpeermeer
l meerpeererSceSmeF&
meerDeejSce mebheeefe&ke ecegKele: yeQke keer mJeeb keer pecee-jeefMeeeW kes hess $e+CeeW
ceW Deewj mejkeejer eefleYetefleeeW, SueDeeF&meer hee@efueefmeeeW kes hess $e+CeeW ceW GheueyOe
nesles nQ DeLee&le es kegue meerDeejSce kee ecegKe Yeeie nesles nQ.
meerDeejSce eefleYetelf eeeb, iewj efveefOe DeeOeeefjle megeJf eOeeDeeW pewmes ieejbef eeW Deewj
$e+Ce-he$eeW ceW Yeer ueer peeleer nQ.
yeQke kes Skemeheespeme& kes mebyebOe ceW meerDeejSce kes he ceW GheueyOe hee$e ieejbjesb
(yeemesue ~~ kes Devegmeej) ceW kesvere/jepe mejkeej, F&meerpeermeer, meerpeererSmeDeeF&,
keeGbj Heeer& keer DeHes#ee kece peeseKf ece Yeej Jeeues yeQke Je HeeLeefceke [eruej leLee
Deve mebmLeeSb (cegKele: HesjW , Deveg<ebieer leLee mebyeb kebHeefveeeb) efpevnW SS (-) ee
yesnlej jsef ib e oer ieF& nw, Meeefceue nQ.
The bank has well-laid out policy on valuation of securities

charged to the bank.
The securities mentioned at Sr. No. 4 to 10 above are
recognized as Credit Risk Mitigants for on-balance sheet
netting under Basel-II standardized approach for credit
risk.
The main types of guarantors against the credit risk of the
bank are:
l
Individuals (Personal guarantees)
Corporates/PSEs
Central Government
State Government
ECGC
CGTMSE
CRM collaterals available in Loans Against Banks Own

Deposit and Loans against Government Securities, LIC
Policies constitute a major percentile of total CRM.
CRM securities are also taken in non fund based facilities
like Guarantees and Letters of Credit.
Eligible guarantors (as per Basel-II) available as CRM in
respect of Banks exposures are mainly Central/ State
Government, ECGC, CGTSI, Banks & Primary Dealers
with a lower risk weight than the counter party AND other
entities (mainly parent, subsidiary and affiliate companies)
rated AA(-) or better.
175
2012-13
Ke. eleske $e+Ce peeseKf ece mebeJf eYeeie kes efueS kegue Skemeheespej, pees efke hee$e efJeeere
mebheeefe&ke eje keJej efkeee ieee nw, ceeefpe&ve kees ueieeves kes heMeele efvecveevegmeej nw:
b.
For each credit risk portfolio, total exposure that is covered

by eligible financial collateral, after application of haircut
is as under:
jeefMe kejes[ hees ceW Amount in Cr.

Credit Risk Portfolio
$e+Ce peeseK
f ece mebeJf eYeeie
efJeeere mebheeefe&ke (ceeefpe&ve heMeeled)
Financial Collateral (post haircut)
osMeer ieejber
Domestic Sovereign
4.86
efJeosMeer ieejber
Foreign Sovereign
0.00
meeJe&peefveke #es$e FkeeFeeb
Public Sector Entities
634.23
yeQkeeW hej oeJes
Claims on Banks
103.55
eeLeefceke [eruej
Primary Dealers
kee@heexjs
Corporates
17766.44
#es$eere efjsue mebeJf eYeeie
Reg Retail Portfolio
10142.60
DeeJeemeere mebheefe
Residential Property
JeeefCeefpeke efjeue Fms
Commercial Real Estate
102.41
efJeefveefo<& eseCf eeeb
Specified Categories
615.73
Deve Deeefmleeeb
Other Assets
k] egue
TOTAL
ie.
Asset category
30.68
c.
Details of exposures that are covered by Guarantees

(permitted by RBI)
F&meerpeermeer meerpeererSceSmeF&
ECGC
77.61
29478.11
SkemeheespejeW kee efJeJejCe, pees efke ieejbefeeW eje keJej efkeS ieS nQ, (Yeejleere
efj]peJe& yeQke eje Devegcele)
Deeefmle esCeer
0.00
CGTMSE
SS jss[
leLee
DeefOeke
Rated
AA and
above
jepe mejkeej kesvere mejkeej kesvere mejkeej

ieejber
ieejber
ieejber
Guarantee
by State
Govt
Guarantee by Guarantee by
Central Govt
Bank
osMeer ieejbefeeb
Domestic Sovereigns
0.00
0.00
0.00
0.00
0.00
0.00
meeJe&peefveke #es$e keer FkeeFeeb
Public Sector Entity
0.00
0.00
0.00
9030.13
45.63
9.74
yeQkeeW hej oeJes
Claims on Banks
0.00
0.00
0.00
0.00
0.00
2500.00
kee@heexjs
Corporates
4269.89
2.14
0.00
30.00
0.00
1033.60
efJeefveeeceke efjsue mebeJf eYeeie
Regulatory Retail Portfolio
297.53
979.39
0.00
0.00
0.00
103.40
DeeJeemeere mebheefe
Residential Property
0.00
0.00
0.00
0.00
0.00
0.00
JeeefCeefpeke efjeue Fms
Comml. Real Estate
0.00
0.00
0.00
0.00
0.00
0.00
efJeefveefo<& eseCf eeeb
Specified Categories
0.00
0.00
0.00
0.00
0.00
0.00
Deve Deeefmleeeb
Other Assets
0.00
0.00
0.00
0.00
0.00
0.00
k] egue
TOTAL
4567.42
981.53
0.00
9060.13
45.63
3646.75
176

Vii.
2012-13
Vii. Securitisation
eefleYetleerkejCe
ke. yeQke keer eefleYetefle veerefle nw efpemes yees[& eje Devegceesefole efkeee ieee nw. veerefle kes
Devegmeej eefleYetle efkees peeves Jeeues mebefJeYeeie keer eke=efle efjsue $e+Ce (DeeJeeme
$e+Ce, Dee@es $e+Ce, heefjmebheefeeeW kes hess Deefece, Jeweefeke $e+Ce leLee esef[
kee[&dme) SmeSmeDeeF& SJeb DeeOeejYetle heefjeespevee $e+Ce nQ.
efoveebke 31 ceee&, 2013 kees yeQke kes heeme Deheveer DeeefmleeeW kees eefleYetle kejves
kee keesF& ceeceuee veneR nw.
a.
The Bank has a Securitization Policy duly approved by

its Board. As per the Policy the nature of portfolio to be
securitized are retail loans (housing loans, auto loans, and
advance against properties, personal loans and credit cards)
SSI and Infrastructure projects loans.
The Bank does not have any case of its assets securitised
as on 31st March, 2013.
b.
Ke. eefleYetleerkejCe kes mebyebOe ceW eefleOeeefjle Skemeheespej kee keesF& ceeceuee veneR nw.
There is no case of retained exposure in respect of

securitization.
Amount of securitization exposure purchased by the bank is
as under:-
yeQke eje Kejeros ieS eefleYeteflekejCe Skemeheespej keer jeefMe efvecveevegmeej nw:

efJeosMeer $e+Ce jsefbie kes Devegmeej
peesefKece Yeej esCeer
Risk weight category as

per external credit rating
yener cetue
Book value
yeQefkebie yegke kes Devleie&le

jKeer ieeer jeefMe
Amt held under
banking book
peesefKece
Yeej %
RW %
peesefKece meceeeesefpele
cetue
Risk adjusted
value
SSS - efeefmeue
AAA CRISIL
15.97
15.97
100
15.97
kegue
Total
15.97
15.97
100
15.97
ie.
yeQke keer Je<e& 2013-14 kes oewjeve Deheveer efkemeer Yeer ceeveke Deeefmle kee
eefleYeteflekejCe kejves keer keesF& eespevee veneR nw.
Viii.
Jeeheej yener ceW yeepeej peesefKece

yeQke yeepeej peesefKece kees Ssmeer mebYeeJe neefve ceW Jeieeake=le kejlee nw pees yeepeej
cetueeW ceW eefleketue heefjefmLeefleeeW kes keejCe nes mekeleer nw. Jeeheej yener ces
yeepeej peesefKece kes lenle efvecveefueefKele peesefKece eyebefOele efkeS peeles nQ:
yeepe oj peesefKece
c.
The bank does not presently plan to securitise any of its

standard assets during the year 2013-14
Viii. Market risk in trading book

The Bank defines market risk as potential loss that the
Bank may incur due to adverse developments in market
prices. The following risks are managed under Market
Risk in trading book:
l
Interest Rate Risk
kejWmeer peesefKece
Currency Risk
cetue peesefKece
Price risk
l
l
l
peesefKece eyebOeve kes efueS yeQke kes efveosMeke ceb[ue ves efJeefYeVe meerceeSb efveOee&efjle
keer nQ pewmes mekeue efveheeve meerceeSb, neefvejesOeke meerceeSb, Deewj cetue peesefKece
meerceeSb. peesefKece meerceeSb, Kegueer yeepeejiele efmLeefleeeW mes GlheVe peesefKeceeW kees
efveebef$ele kejleer nQ. neefvejesOeke meercee, Jemetueerke=le Deewj DeJemetueerke=le neefveeeW ceW
ueer peeleer nw.
yeQke ves Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej JeJemeee mebefJeYeeie
hej yeepeej peesefKece mes mebyebefOele hetbpeer eYeej keerr ieCevee kejves kes efueS Ske
mecegefele heefle leweej keer nw eLee ceevekeerke=le DeJeefOe heefle. Fme ekeej
Deekeefuele hetbpeer eYeej kees peesefKece Yeeefjle DeeefmleeeW ceW heebleefjle efkeee ieee
nw. $e+Ce peesefKece kes efueS mekeue peesefKece Yeeefjle DeeefmleeeW, yeepeej peesefKece
Deewj heefjeeueve peesefKece kees yeemesue-II kes Devleie&le yeQke kes meerDeejSDeej
efveOee&jCe kejves kes efueS efnmeeye ceW efueee peelee nw.
efoveebke 31 ceee& 2013 kees yeepeej peesefKece (ceevekeerke=le DeJeefOe heefle kes
Devegmeej) mebyebOeer hetbpeer eYeej leLee peesefKece Jeeueer Deeefmleeeb efvecveevegmeej nQ.
To manage risk, Banks Board has laid down various limits

such as Aggregate Settlement limits, Stop loss limits and
Value at Risk limits. The risk limits help to check the risks
arising from open market positions. The stop loss limit
takes in to account realized and unrealized losses.
Bank has put in place a proper system for calculating
capital charge on Market Risk on Trading Portfolio as per
RBI Guidelines, viz., Standardised Duration Approach.
The capital charge thus calculated is converted into Risk
Weighted Assets. The aggregate Risk Weighted Assets
for credit risk, market risk and operational risk are taken
into consideration for calculating the Banks CRAR under
Basel-II.
Risk Weighted Assets and Capital Charge on Market
Risk (as per Standardised Duration Approach) as on 31st
March, 2013 are as under:
177
2012-13
(. kejes[ ceW Rs. in Cr.)
peesefKece Yeej Deeefmleeeb

RWAs
yeepe oj peesefKece
Interest Rate Risk
FefkeJeer efmLeefle peesefKece
Equity Position Risk
efJeosMeer cege peesefKece
Foreign Exchange Risk
kegue hetbpeer eYeej
Total Capital Charge
iX.
heefjeeueve peesefKece
yeQefkebie yeefneeW ceW yeepe oj peesefKece (DeeF&DeejDeejyeeryeer)
ke
yeepe oj peesefKece kees oes heefleeeW kes ceeOece mes efveOee&efjle Je ceeveerj
efkeee peelee nw.
(i) peesefKece hej Deee (heejbheefjke Devlej efJeMuess<eCe) (DeuheeJeefOe):
Fme heefle kes lenle yeepe ojeW ceW heefjJele&veeW kee yeQke keer Meg yeepe
Deee hej he[ves Jeeues lelkeeue eYeeJe kee eqJeMues<eCe efkeee peelee nw.
peesefKece hej Deee kees efJeefYeVe heefjMeeW ceW efvecveevegmeej efJeMuesef<ele
efkeee ieee nw.
1. Deee jsKee peesefKece : DeeefmleeeW Deewj oseleeDeeW kes efueS 1%
meceeveeblej heefjJele&ve kee Devegceeve ueieeee ieee nw.
2. DeeefmleeeW kes efueS esCeer-Jeej efYeVe Deee heefjJele&veeW kee Devegceeve
ueieeee ieee nw Deewj es oseleeDeeW hej Yeer ueeiet nesles nQ.
3.
(ii)
Ssefleneefmeke eJe=efle kes Devegmeej DeeOeej peesefKece SJeb meceeefnle

efJekeuhe peesefKece kee Devegceeve ueieeee ieee nw.
FefkeJeer kee DeeefLe&ke cetue (DeJeefOe Devlej efJeues<eCe) (oerIee&JeefOe)

en keee& DeeefmleeeW SJeb oseleeDeeW keer mebMeesefOele DeJeefOe keer ieCevee
kejkes efkeee peelee nw leeefke FefkeJeer keer mebMeesefOele DeJeefOe kee
efveOee&jCe efkeee pee mekes.
Fme heefle kees Deee ceW efoS HeefjJele&ve nsleg Deee jsKee ceW
meceevlej efMeHe ceevee peelee nw.
FefkeJeer kes DeeefLe&ke cetue Hej HeYeeJe kees pewmee Yeejleere efjpeJe&
yeQke ves efJeMuesef<ele efkeee nw, efveeefcele DeblejeueeW Hej 200 DeeOeej
Debkeere oj nsleg efJeMuesef<ele efkeee peelee nw.
mebyebefOele HeefjHekeJelee kes efueS yeepeej menye Deee kees mebMeesefOele

DeJeefOe keer ieCevee ceW Heegkele efkeee peelee nw.
yeQefkeie yeefneeW ceW yewke kes yeepe oj peesefKece kee efJeMues<eCe oesveeW Iejsuet
leLee efJeosMeer HeefjeeueveeW kes efueS efkeee peelee nw. Iejsuet HeefjeeueveeW kes
efueS FefkeJeer kes DeeefLe&ke cetue kee Deekeueve leLee efveiejeveer efleceener
DeeOeej Hej keer peeleer nw.
Ke. yeepe-ojeW ceW 100 DeeOeej Debkeere cetJeceW kes hess yeQke keer Meg yeepe Deee
hej Meg eYeeJe Iejsuet heefjeeueveeW kes efueS . 335.20 kejes[ nw (heee
mebmeeOeve SJeb heefjeespeve) peyeefke Devleje&<êre HeefjeeueveeW kes efueS en
108.14 kejes[ heS nw.
178
8959.10
806.32
10611.22
955.00
225.00
20.25
19795.32
1781.57
iX. Operational risk

In line with RBI guidelines, Bank has adopted the Basic
Indicator Approach to compute the capital requirements
for Operational Risk. Under Basic Indicator Approach,
average income of last 3 years is taken into consideration
for arriving at Risk Weighted Assets.
Yeejleere efjpeJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej yeQke ves heefjeeueve peeseKf ece
nsleg hetpb eer DeeJeMekeleeDeeW kee Deekeueve kejves kes efueS DeeOeejYetle meteke heefle
Deheveeeer nw. cetue heefle kes Devleie&le iele 3 Je<eeX keer Deewmele Deee kees peeseKf ece
Yeeefjle Deeefmle leke ueeves kees Oeeve ceW jKee ieee nw.
X.
9% Hej vetvelece hetbpeer eceej

Minimum Capital Charge at 9%
X . interest rate risk in the banking book (iRRBB)

a.
The interest rate risk is measured and monitored through

two approaches:
(i) Earning at Risk (Traditional Gap Analysis) (Short
Term):
The immediate impact of the changes in the interest
rates on net interest income of the bank is analysed
under this approach.
The Earning at Risk is analysed under different
scenarios:
1. Yield curve risk: A parallel shift of 1% is assumed
for assets as well as liabilities.
2. Bucket wise different yield changes are assumed
for the assets and the same are applied to the
liabilities as well.
3. Basis risk and embedded option risk are
assumed as per historical trend.
(ii) Economic Value of Equity (Duration Gap Analysis)
(Long term)
Modified duration of assets and liabilities is computed
separately to finally arrive at the modified duration of
equity.

This approach assumes parallel shift in the yield
curve for a given change in the yield.

Impact on the Economic Value of Equity is also
analysed for a 200 bps rate shock as required
by RBI.

Market linked yields for respective maturities are
used in the calculation of the Modified Duration.
The analysis of banks Interest Rate Risk
in Banking Book (IRRBB) is done for both
Domestic as well as Overseas Operations.
The Economic value of equity for Domestic
Operations is measured and monitored on a
quarterly basis.
b. The net impact on Net Interest Income (NII) of the bank
against 100 bps change in interest rates is Rs 335.20
Crore in the Domestic Operations (Rupee resources
and deployment) and Rs. 108.14 Crore in International
Operations.
2012-13
cenlJehetCe& efJeeere meteke
Key Financial indicators

e.meb.
S.No.
1
efJeJejCe
Particulars
eefleMele ceW
(In Percentage)
31.03.2009
31.03.2010
31.03.2011
31.03.2012
31.03.2013
yeepe Deee / Deewmele keee&Meerue efveefOeeeb (S[yuetSHe)
7.78%
6.86%
6.97%
7.58%
7.34%
yeepe Jee / S[yuetSHe
5.14%
4.42%
4.16%
4.95%
4.98%
Meg yeepe ceeefpe&ve
2.91%
2.74%
3.12%
2.97%
2.66%
yeepe efJemleej / S[yuetSHe
2.64%
2.44%
2.80%
2.64%
2.36%
iewj-yeepe Deee / S[yuetSHe
1.42%
1.15%
0.89%
0.87%
0.76%
heefjeeueve Jee / S[yuetSHe
1.84%
1.56%
1.47%
1.32%
1.24%
45.38%
43.57%
39.87%
37.55%
39.79%
mekeue (heefjeeueve) ueeYe / S[yuetSHe
2.22%
2.03%
2.22%
2.19%
1.88%
Meg ueeYe / S[yuetSHe
1.15%
1.26%
1.35%
1.28%
0.93%
19.48%
22.19%
21.42%
19.11%
14.59%
DeeefmleeeW Hej HeefleueeYe
0.98%
1.10%
1.18%
1.12%
0.82%
Deewmele DeeefmleeeW hej eefleueeYe
1.10%
1.21%
1.33%
1.24%
0.90%
DeefeceeW hej eefleHeue
9.50%
8.55%
8.48%
9.39%
8.90%
peceejeefMeeeW keer ueeiele
5.71%
4.90%
4.56%
5.62%
5.80%
ueeYeebMe Yegieleeve Devegheele (keejheesjs ueeYeebMe kej meefnle)
17.22%
20.90%
17.76%
16.22%
23.65%
$e+Ce pecee Devegheele
81.94%
84.47%
86.77%
86.86%
82.03%
87.44%
88.74%
90.29%
90.36%
86.17%
12.88%
12.84%
13.02%
12.95%
12.09%
erej Tier - I
7.79%
8.22%
8.96%
9.56%
9.20%
erej Tier - II
5.09%
4.62%
4.06%
3.39%
2.89%
14.05%
14.36%
14.52%
14.67%
13.30%
erej Tier - I
8.49%
9.20%
9.99%
10.83%
10.13%
erej Tier - II
5.56%
5.16%
4.53%
3.84%
3.17%
Interest Income / Average Working Funds (AWF)

2
Interest Expenses / AWF

3
Net Interest Margin (NIM)

4
Interest Spread / AWF

5
Non-Interest Income / AWF

6
Operating Expenses / AWF

7
ueeiele-Deee Devegheele
Cost Income Ratio

8
Gross (Operating) Profit / AWF

9
Net Profit / AWF

10
Meg ceeefueele Hej HeefleueeYe
Return on Net Worth

11
Return on Assets
12
Return on Average Assets

13
Yield on Advances
14
Cost of Deposits
15
Dividend Payout Ratio (including Corporate Dividend Tax)

16
Credit -- Deposit Ratio

17
$e+Ce + iewj meebefJeefOeke eueefveefOe Devegheele efveJesMe (Deveg<ebieer FkeeFeeW ceW efveJesMe kees
es[kej) pecee Devegheele
Credit + Non SLR Investment (excluding Investments in

Subsidiaries) -- Deposit Ratio
18
19
hetbpeer heee&hlelee Devegheele (yeemesue I)

Capital Adequacy Ratio (BASEL I)
hetbpeer heee&hlelee Devegheele (yeemesue II)

Capital Adequacy Ratio (BASEL II)
179
e.meb.
S.No.
1
efJeJejCe
Particulars
2012-13
eefleMele ceW
(In Percentage)
31.03.2009
31.03.2010
31.03.2011
31.03.2012
31.03.2013
36838
38960
40046
42175
43108
MeeKeeSb (mebKee)
2974
3148
3418
3959
4336
Heefle kece&eejer JeJemeee (.kejes[ ceW)
8.63
9.81
12.29
14.66
16.89
Heefle kece&eejer Deewmele JeJemeee (.kejes[ ceW)
7.57
8.94
11.26
13.15
15.71
Heefle kece&eejer mekeue ueeYe (.ueeKeeW ceW)
11.69
12.67
17.43
20.35
20.88
Heefle kece&eejer Meg ueeYe (. ueeKeeW ceW)
6.05
7.85
10.59
11.87
10.39
112.86
132.24
156.27
169.80
184.98
Heefle MeeKee mekeue ueeYe (.kejes[ ceW)
1.45
1.57
2.04
2.17
2.08
Heefle MeeKee Meg ueeYe (.kejes[ ceW)
0.75
0.97
1.24
1.26
1.03
61.14
83.96
116.37
127.84
108.84
313.82
378.44
505.71
637.37
729.11
kece&eejer (mebKee)
Employees (number)
Branches (number)
3
Business per employee (Rs. in crore)

4
Average Business per employee (Rs in crore)

5
Gross Profit per employee (Rs. in lakhs)

6
Net Profit per employee (Rs. in lakhs)

7
Heefle MeeKee JeJemeee (.kejes[ ceW)
Business per branch (Rs. in crore)

8
Gross Profit per branch (Rs. in crore)

9
Net Profit per branch (Rs. in crore)

10
Heefle Mesej Deee (HeeeW ceW)
Earnings per share (Rupees)

11
Heefle Mesej yenercetue (HeeeW ceW)
Book Value per share (Rupees)
sle: efJeefYeVe Je<eeX keer Jeeef<e&ke efjHeesx (peneb Gefele ueiee, efHeues Je<eeX kes Deeke[eW kees Hegveme&cetnerke=le/Hegve: Jeieeake=le efkeee ieee nw)
Source:
180
Annual Reports of various years. (previous year's figures are regrouped and reclassified, where appropriate)
2012-13
HeefjYee<eeSb / Definitions
Average Working
Funds (AWF)
Average Deposits
Average Advances
Average Business
Fortnightly Average of Total Assets
:
:
:
Average investments
interest income/AWF
:
:
Fortnightly Average of Total Deposits

Fortnightly Average of Total Advances
Total of Average Deposits Plus Average
Advances
Fortnightly Average of Total Investments
Total Interest Income Divided by AWF
interest expenses/AWF
interest Spread/AWF
:
:
non-interest income/
AWF
Operating Expenses
Operating Expenses/
AWF
Cost income Ratio
Total Interest Expenses Divided by AWF

(Total Interest Income minus Total Interest
Expenses) Divided by AWF
Total Non-Interest Income Divided by AWF
:
:
Total Expenses minus Interest Expenses

Operating Expenses Divided by AWF
Gross (Operating)
Profit/AWF
net Profit/AWF
: Meg ueeYe efJeYeeefpele kejW S[yuetSHe;
: Meg ueeYe efJeYeeefpele kejW Meg ceeefueele (Hegvecet&ueebkeve Return on net Worth
Operating Expenses Divided by (Non

Interest Income plus Interest Spread)
Operating Profit divided by AWF
Return on Assets
Return on Average
Assets
: DeefieceeW Hej Deefpe&le yeepe efJeYeeefpele kejW Deewmele Yield on Advances
:
:
Deewmele keee&Meerue efveefOeeeb

(S[yuetSHe)
Deewmele peceejeefMeeeb
Deewmele Deefiece
Deewmele JeJemeee
: kegue DeeefmleeeW kee Heeef#eke Deewmele;
Deewmele efveJesMe
yeepe Deee/(S[yuetSHe)
: kegue efveJesMe kee Heeef#eke Deewmele;

: kegue yeepe Deee kee Deewmele keee&Meerue efveefOeeeW mes
efJeYeepeve;
: kegue yeepe Jee Yeeie oW S[yuetSHe;
: (kegue yeepe Deee IeeSb : kegue yeepe Jee) S[yetSHe
mes efJeYeeefpele kejW;
: kegue iewj yeepe Deee efJeYeeefpele kejW Deewmele keee&Meerue
efveefOe mes;
: kegue Kee& IeeSb yeepe Kee&
: kegue Heefjeeueve Jee efJeYeeefpele kejW Deewmele keee&Meerue
efveefOe mes;
: Heefjeeueve Jee efJeYeeefpele kejW (iewjyeepe Deee +
yeepe mHes[) mes;
: Heefjeeueve ueeYe efJeYeeefpele kejW S[yuetSHe mes;
yeepe Jee/S[yuetSHe
yeepe efJemleej/S[yuetSHe
iewjyeepe Deee/S[yuetSHe
Heefjeeueve Jee
Heefjeeueve Jee/S[yuetSHe
ueeiele Deee DevegHeele
mekeue (Heefjeeueve) ueeYe/
S[yuetSHe
Meg ueeYe/S[yuetSHe
Meg ceeefueele Hej HeefleHeue
DeeefmleeeW Hej HeefleHeue
Deewmele DeeefmleeeW Hej HeefleHeue
DeefieceeW Hej eefleHeue
peceejeefMeeeW keer ueeiele
ueeYeebMe Yegieleeve DevegHeele
(keejHeesjs ueeYeebMe kej meefnle)
$e+Ce pecee DevegHeele
$e+Ce + iewj meebefJeefOeke lejuelee
DevegHeele efveJesMe (Deveg<ebieer
FkeeFeeW ceW efveJesMe kees es[kej)
peceejeefMe - DevegHeele;
Heefle kece&eejer JeJemeee
eefle kece&eejer Deewmele JeJemeee
eefle kece&eejer mekeue ueeYe
Heefle kece&eejer Meg ueeYe
Heefle MeeKee keejesyeej
Heefle MeeKee mekeue ueeYe
Heefle MeeKee Meg ueeYe
Heefle Mesej Deee
Heefle Mesej yener cetue
: kegue peceejeefMeeeW kee Heeef#eke Deewmele;

: kegue DeefieceeW kee Heeef#eke Deewmele;
: Deewmele peceejeefMeeeW Deewj Deewmele DeefieceeW kee eesie;
Heejef#ele efveefOe kees es[kej);

: Meg ueeYe efJeYeeefpele kejW kegue DeeefmleeeW mes;
: Meg ueeYe efJeYeeefpele kejW S[yuetSHe mes;
Deefiece mes;
: peceejeefMeeeW Hej Heolle yeepe efJeYeeefpele kejW Deewmele Cost of Deposits
peceejeefMeeeW mes;
: ueeYeebMe, keejHeesjs ueeYeebMe kej meefnle; efJeYeeefpele Dividend Payout Ratio
(including Corporate
kejW Meg ueeYe mes;
: kegue Deefiece efJeYeeefpele kejW ieenkeeW keer peceejeefMeeeb
(DeLee&le kegue peceejeefMeeeb - IeeeW Deblej yeQke pecee
jeefMeeeb)
: (kegue Deefiece + iewj meebefJeefOeke eueefveefOe Devegheele
efveJesMe - IeeeW Deveg<ebieer FkeeFeeW ceW efveJesMe) efJeYeeefpele
kejW ieenkeeW keer peceeDeeW mes;
: mecee peceejeefMeeeb + kegue Deefiece efJeYeeefpele kejW,
kegue kece&eeefjeeW keer mebKee mes
: Deewmele peceejeefMeeeb Deewmele Deefece/efJeYeeefpele kejW
kegue kece&eejer mebKee mes
: mekeue ueeYe kees efJeYeeefpele kejW, kegue kece&eejer
mebKee mes;
: Meg ueeYe kees efJeYeeefpele kejW kece&eeefjeeW keer mebKee mes;
Dividend Tax)
Credit - Deposit Ratio
Credit + non SLR

investments (excluding
investments in
Subsidiaries) - Deposit
Ratio
Business Per
Employee
Average Business Per
Employee
Gross Profit Per
Employee
net Profit Per
Employee
Business Per Branch
: kegue peceejeefMeeeb + kegue Deefiece kees efJeYeeefpele kejW

MeeKeeDeeW keer mebKee mes;
: mekeue ueeYe kees efJeYeeefpele kejW MeeKeeDeeW keer mebKee mes; Gross Profit per
Branch
: Meg ueeYe efJeYeeefpele kejW MeeKeeDeeW keer mebKee mes; net Profit per Branch
: Meg ueeYe kees efJeYeeefpele kejW FefkeJeer mes X ome; Earnings Per Share
: Meg ceeefueele (Hegvecet&ueebkeve Heejef#ele jeefMe kees Book Value Per Share
es[kej) kees efJeYeeefpele kejW FefkeJeer mes X ome.
:
:
:
:
:
:
:
:
:
:
:
:
:
:
Net Profit Divided by AWF

Net Profit Divided by Net Worth (excluding
Revaluation Reserves)
Net Profit Divided by Total Assets
Net Profit Divided by AWF
Interest Earned on Advances Divided by
Average Advances
Interest paid on Deposits Divided by
Average Deposits
Dividend including Corporate Dividend
Tax Divided by Net Profit
Total Advances Divided by Customer
Deposits (i.e., Total Deposits minus Inter
Bank Deposits)
( To t a l A d v a n c e s P l u s N o n - S L R
Investments minus Investments in
Subsidiaries) Divided by Customer
Deposits
Core Deposits plus Total Advances
Divided by Total No. of Employees
Average Deposits plus Average Advances
divided by Total No. of Employees
Gross Profit Divided by Total No. of
Employees
Net Profit Divided by total No. of
Employees
Total Deposits plus Total Advances
divided by No. of Branches
Gross Profit Divided by No. of Branches
Net Profit Divided by No. of Branches
Net Profit divided by Equity Multiplied by Ten
Net Worth (excluding Revaluation Reserves)
divided by Equity Multiplied by Ten.
181
2012-13
31 ceee&, 2013 kee legueve-he$e
Balance Sheet as on 31st March, 2013

(000's
Devegmeteer
SChEDULE
31 ceee& 2013 kees
As on
31st Mar, 2013
`
Devebefkele omitted)
31 ceee& 2012 kees
As on
31st Mar, 2012
`
Hetbpeer Deewj oseleeSb

Hetbpeer
CAPITAL & LIABILITIES

Capital
422,51,75
412,38,46
Heejef#ele efveefOeeeb Deewj DeefOeMes<e
Reserves and Surplus
31546,92,10
27064,46,61
peceejeefMeeeb
Deposits
473883,33,75
384871,10,59
GOeej ueer ieF& jeefMeeeb
Borrowings
26579,28,18
23573,05,12
Deve oseleeSb SJeb HeeJeOeeve
Other Liabilities and Provisions
14703,38,25
11400,45,92
pees[
TOTAL
547135,44,03
447321,46,70
Deeefmleeeb
ASSETS
Yeejleere efj]peJe& yeQke kes Heeme

vekeoer Deewj Mes<e jkece
yeQkeesb kes Heeme Mes<e jkece leLee ceebie SJeb
DeuHe metevee Hej Heefleose jeefMe
efveJesMe
Cash and Balances with

Reserve Bank of India
13452,07,83
21651,45,96
Balances with Banks and

Money at Call and Short Notice
71946,82,60
42517,08,16
Investments
121393,72,44
83209,40,01
Deefiece
Advances
328185,76,49
287377,29,35
Deeue Deeefmleeeb
Fixed Assets
10
2453,11,60
2341,50,20
Deve Deeefmleeeb
Other Assets
11
9703,93,07
10224,73,02
pees[
TOTAL
547135,44,03
447321,46,70
Deekeefmceke oseleeSb
Contingent Liabilities
204628,91,69
152502,81,31
Jemet}er kes efueS efyeue
Bills for Collection
25952,23,60
22766,99,37
GuuesKeveere uesKee veerefleeeb
Significant Accounting Policies
17
uesKeeW Hej efHHeefCeeeb
Notes on Accounts
18
12
THej oMee&eer ieeer Devegmetefeeeb legueve-He$e kee Ske DeefYevve Yeeie nQ.
The Schedules referred to above form an integral part of the Balance Sheet.
efveosMeke
eer Sme. Sme . cetbo[e
eer efHe. eerefveJeeme
keee&Heeueke efveosMeke

eer jbpeve OeJeve
eer Jeer.kes.iegHlee
ceneHeyebOeke
(keeheexjs Keeles SJeb kejeOeeve SJeb cegefJeDe)
eer yeer. FueWiees
mene. ceneeyebOeke
(keeheexjs Keeles SJeb kejeOeeve)
mLeeve : cegbyeF&,
182
eer
eer
eer
eer
eer
eer
eer
eer
Deeueeske efveiece
mego&Meve mesve
efJeefveue kegceej mekemesvee
Jeer. yeer. eJneCe
mele osJe ef$ehee"er
ceewefueve S. Jew<CeJe
megjW Sme Yeb[ejer
jepeerye Sme meent
uesKee Hejer#eke
mece leejerKe keer nceejer mebueive he=Leke efjhees& kes Devegmeej
ke=les js SC[ js
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHeDeejSve : 000511 Sme
SHeDeejSve : 301072 F&
(oeeefveJeeme Mecee&)
Yeeieeroej
Sce. veb.: 216244
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
(DeefceleeJee eewOejer)
Yeeieeroej
Sce. veb.: 056060

meveoer uesKeekeej
SHeDeejSve : 001135 Sve
ke=les SveyeerSme SC[ keb.

meveoer uesKeekeej
SHeDeejSve : 110100 [yuet

meveoer uesKeekeej
(ieewjJe efceeue)
Yeeieeroej
Sce. veb.: 099387
(eoerHe pes Meser)

Yeeieeroej
Sce. veb.: 046940

Yeeieeroej
Sce. veb.: 073063
2012-13
31 ceee&, 2013 kees meceehle Je<e& kee ueeYe Je neefve uesKee
Profit and Loss Account for the year ended 31st March, 2013
(000's
Devegmeteer
SCHEDULE
INCOME
Deee
Interest Earned
13
Deefpe&le yeepe
Other
Income
14
Deve Deee
TOTAL
pees[
EXPENDITURE
II. Jee
Interest Expended
15
Kee& efkeee ieee yeepe
Operating Expenses
16
Heefjeeueve Jee
Provisions and Contingencies
HeeJeOeeve Deewj Deekeefmceke Jee
TOTAL
pees[
PROFIT
III. ueeYe
Net Profit for the period
DeJeefOe kee Meg ueeYe
Available for Appropriation
efJeefveeespeve nsleg GHeueyOe jeefMe
Appropriations
efJeefveeespeve
a) Statutory Reserve
ke) meebefJeefOeke Heejef#ele efveefOe
b) Capital Reserve
Ke) Hetbpeeriele Heejef#ele efveefOe
ie) jepemJe SJeb Deve Heejef#ele efveefOeeeb c) Revenue and Other Reserves
I) meeceeve Heejef#ele efveefOe
I) General Reserve
II)
II) Deeekej DeefOeefveece 1960,
Special Reserve u/s 36 (1) (viii)
Deeekej DeefOeefveece 1961
of the Income Tax Act, 1960
keer Oeeje 36 (1) (viii) kes
Income Tax Act, 1961
Debleie&le efJeMes<e Heejef#ele efveefOe
III) meebefJeefOeke Heejef#ele efveefOe (efJeosMeer)
III) Statutory Reserve (Foreign)
Proposed Dividend
emleeef
J
ele
ueeYeeb
M
e
d)
Ie) (ueeYeebMe kej meefnle)
(including Dividend Tax)
e) Investment Reserve Account
*) efveJesMe eejef#ele Keelee
TOTAL
pees[
18 (B-5)
Basic & Diluted Earnings per Share (`)
Heefle Mesej cetue SJeb vetve Depe&ve (`)
(Nominal value per share `10)
(meebkesefleke cetue eefle Mesej `10)
17
GuuesKeveere uesKee veerefleeeb
Notes on Accounts
18
uesKeeW Hej efHHeefCeeebb
THej oMee&eer ieeer Devegmetefeeeb }eYe Je The Schedules referred to above form
an integral part of the Profit & Loss Account.
neefve uesKes kee DeefYevve Yeeie nQ.
31 ceee& 2013 kees
Year ended
31st March 2013
`
31 ceee& 2012 kees
Year ended
31st March 2012
`
I.
S S MUNDRA
P Srinivas
Executive Director
Sudhir Kumar Jain

Executive Director
Ranjan Dhawan
Executive Director
Shri V K Gupta
General Manager
Corp A/cs & Taxation and CFO
Shri B Elango
Asst. General Manager

Corporate A/cs & Taxation
DIRECTORS
Shri Alok Nigam
Shri Sudarshan Sen
Shri V B Chavan
Shri Maulin A Vaishnav
Shri Surendra S Bhandari
Shri Rajib S Sahoo
35196,65,44
29673,72,42
3630,62,49
3422,32,82
38827,27,93
33096,05,24
23881,38,91
19356,71,23
5946,73,63
5158,71,73
4518,43,39
3573,66,66
34346,55,93
28089,09,62
4480,72,00
5006,95,62
4480,72,00
5006,95,62
1120,18,00
1251,73,91
81,44,81
22,39,86
1369,46,69
2453,86,08
850,00,00
533,84,66
1,55,80
1059,62,50
812,29,04
-4480,72,00
108.84
(68,73,73)
5006,95,62
127.84
AUDITORS
As per our separate report of even date attached
For Laxminiwas Neeth & CoFor Brahmayya & Co

Chartered Accountants Chartered Accountants
FRN: 002460S
FRN: 000511S
(Dayaniwas Sharma)
(Jitendra Kumar)
Partner
Partner
M No. 216244
M No. 201825
For For N B S & Co
FRN: 001135N
FRN: 110100W
(Gaurav Mittal)
(Pradeep J. Shetty)
Partner
Partner
M. No. 099387
M No. 046940
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M No. 056060
For KASG & Co.
FRN: 002228C
(R. K. Agarwal)
Partner
M No.073063
Place : Mumbai
183
2012-13
legueve-he$e keer Devegmetefeeeb
Schedules to Balance Sheet

31 ceee&, 2013 kees
Devegmeteer -1 Hetbpeer
HeeefOeke=le Hetbpeer
Heefle ` 10/- kes 300,00,00,000
Mesej
(efheues Je<e& 300,00,00,000/eefle Mesej ` 10/- kes)
efveie&efcele leLee DeefYeoe
Hetbpeer
Heefle ` 10/- kes 42,39,89,803
FefkeJeer Mesej
(efheues Je<e& 41,38,56,883 FefkeJeer Mesej
eefle ` 10/- kes)
ceebieer ieF& hetbpeer SJeb eoe hetbpeer
eefle ` 10/- kes 42,12,56,303 FefkeJeer
Mesej (efHeues Je<e& 41,11,23,383 Mesej)
efpemeceW kesv mejkeej eje Oeeefjle kegue
` 233.41 kejes[ jeefMe kes 23,34,12,499
FefkeJeer Mesej (efheues Je<e& 22,32,79,579
Mesej) Meeefceue nw.b
pees[W : peyle efkeS ieS Mesej
pees[
Devegmeteer-2
I meebefJeefOeke Heejef#ele efveefOeeeb
HeejefcYeke Mes<e
DeJeefOe kes oewjeve HeefjJeOe&ve
II Heejef#ele Hetbpeer
(` 1104.26 kejes[ keer
hegvecet&ueebefkele eejef#ele efveefOe meefnle
(efHeues Je<e& ` 1173.68 kejes[ )
HeejefcYeke Mes<e
Je<e& kes oewjeve HeefjJeOe&ve
Je<e& kes oewjeve meceeeespeve
keewefleeeb :
ueeYe-neefve Keeles ceW Debleefjle
Hetvece&tueebefkele Dee} DeeefmleeeW Hej
cetue eme
III Mesej Heerefceece
HeejefcYeke Mes<e
184
31 ceee&, 2012 kees
(000's
As on 31st Mar, 2013
`
`

`
`
3000,00,00
3000,00,00
423,98,98
413,85,69
421,25,63
1,26,12
422,51,75
411,12,34
1,26,12
412,38,46
6984,09,33
4612,17,42
1251,73,91 5863,91,33
SCHEDULE - 1 CAPITAL
AUTHORISED CAPITAL
300,00,00,000 Shares of
`10/- each
(previous year 300,00,00,000/shares of `10/- each)
ISSUED AND SUBSCRIBED
CAPITAL
42,39,89,803 Equity Shares of
`10/- each
(previous year 41,38,56,883
shares of `. 10/- each)
CALLED-UP & PAID-UP CAPITAL
42,12,56,303 (previous year
41,11,23,383) Equity Shares
of `10 each including
23,34,12,499 Equity Shares
Shares) amounting to
` 233.41 crores held by Central
Government
Add : Forfeited Shares
Total
SCHEDULE - 2
RESERVES & SURPLUS
I Statutory Reserves
Opening Balance
Additions during the year
II Capital Reserves
(including Revaluation
Reserve of ` 1104.26 crores
(previous years ` 1173.68
crores)
Opening Balance
Adjustments during the year
Deductions:
Depreciation on revalued
fixed assets transferred to
Profit & Loss account
III Share Premium
Opening Balance
5863,91,33
1120,18,00
1974,89,59
81,44,81
(42,50)
2055,91,90
2021,30,70
22,39,86
7,63,41
2051,33,97
(68,99,00)
1986,92,90
(76,44,38)
1974,89,59
6332,71,79
839,86,71
7172,58,50
4707,60,59
1625,11,20
6332,71,79
2012-13
31 ceee&, 2012 kees
(000's
31 ceee&, 2013 kees

`
`

`
Devegmeteer-2 Heejef#ele efveefOeeeb Deewj DeefOeMes<e (peejer)
SCHEDULE - 2 RESERVES & SURPLUS (Contd.)

IV Revenue & Other
IV jepemJe Deewj Deve Heejef#ele /
Reserves
efveefOeeeb
ke) meebefJeefOeke Heejef#ele efveefOeeeb

(efJeosMeer)
HeejbefYeke Mes<e
Je<e& kes oewjeve meceeeespeve
Ke) Deeekej DeefOeefveece keer
Oeeje 36(1)(viii) kes Debleie&le
efJeMes<e eejef#ele efveefOeeeb
HeejefcYeke Mes<e
ie.
Ie.
*.
a) Statutory Reserve
(Foreign)
Opening Balance
Additions during the
year
Adjustments during
the year
Opening Balance
year
c) F o r e i g n C u r r e n c y
Translation Reserve
eejef#ele efveJesMe Keelee
d) Investment Reserve
Account
Transferred to P&L
Appropriation A/c
Je<e& kes oewjeve

heefjJeOe&ve
Je<e& kes oewjeve
meceeeespeve
pees[ - IV (ke, Ke, ie,Ie Deewj *)
pees[ (I mes IV)
89,21,65
1,55,80
3,78,07
106,39,92
11,84,40
102,61,85
1559,23,66
850,00,00
1025,39,00
533,84,66
2409,23,66
1559,23,66
696,58,14
285,65,28
49,35,70
647,22,44
982,23,42
696,58,14
b) Special Reserve u/s

36(1)(viii) of Income
Tax Act, 1961
efJeosMeer cege eejef#ele

efveefOeeeb
eejbefYeke Mes<e
Je<e& kes oewjeve
heefjJeOe&ve
ueeYe-neefve efJeefveeespeve
Keeles ceW DeblejCe
Deve eejef#ele efveefOeeeb
eejbefYeke Mes<e
eejef#ele efveJesMe Keeles
kees Devleefjle
102,61,85
Opening Balance
Adjustments during
the year
e) Other Reserves
Opening Balance
Transferred to
Investment Reserve
Account
year
Adjustments during
the year
68,73,73
(68,73,73)
10534,50,25
-
8076,93,79
-
1369,46,69
2453,86,08
1,47,43
37038
11905,44,37
TOTAL - IV (a, b, c, d & e)
TOTAL (I to IV)
10534,50,25
15403,31,37
31546,92,10
12892,93,90
27064,46,61
185
2012-13
(000's
31 ceee&, 2013 kees

`
Devegmeteer-3 peceejeefMeeeb
ke. I
ceebie-peceejeefMeeeb
i)
SCHEDULE - 3
A.
II
II
yeele yeQke peceejeefMeeeb
Ke. I
II
34273,31,59 35678,30,64 27819,92,29 28944,36,23

84302,60,67
74579,52,82
72421,97,80
52907,06,49
281480,44,64 353902,42,44 228440,15,05 281347,21,54
ii) From Others
pees[ (I mes III)
TOTAL (I to III)
Yeejle ceW efmLele MeeKeeDeeW B. I

keer peceejeefMeeeb
Deposits of branches in
India
341705,59,38
280135,25,38
Deposits of branches
outside India
132177,74,37
104735,85,21
TOTAL (I & II)
473883,33,75
384871,10,59
335,41,89
168,00,19
205,09,01
410,20,99
iv) Innovative Perpetual Debt

Instruments (IPDI)
1911,70,00
1911,70,00
v)
5000,00,00
5000,00,00
2490,00,00
2490,00,00
II
Yeejle mes yeenj efmLele

MeeKeeDeeW keer peceejeefMeeeb
Devegmeteer - 4
GOeej ueer ieeer jeefMeeeb
SCHEDULE - 4
BORROWINGS
I.
I. Borrowings in India
i) Yeejleere efj]peJe& yeQke
i)
Reserve Bank of India
ii) Deve yeQke
ii)
Other Banks
iii) Deve mebmLeeve SJeb
iii) Other Institutions and

Agencies
SpeWefmeeeb
iv) veJeesvces<eer yesceereeoer $e+Ce efueKele
(DeeF&heer[erDeeF&)
v) yeeb[eW kes He ceW peejer nee efye[
$e+Ce Hetbpeer
vi) ieewCe yeeb[
Hybrid Debt Capital

Instruments issued as bonds
vi) Subordinated Bonds
473883,33,75
384871,10,59
TOTAL (I to VI)
9942,20,90
9979,91,18
Yeejle kes yeenj GOeej ueer ieeeR

jeefMeeeb (` 1628.55 kejes[ kes
SceerSve yeeb[ meefnle)
(efheues Je<e& ` 1526.25 kejes[)
Borrowings outside India (includes

MTN Bonds of USD 300 mn, INR
equivalent of ` 1628.55 crores
(previous year ` 1526.25 crores) )
16637,07,28
13593,13,94
pees[ GOeej ueer ieF& jeefMeeeb

(I SJeb II)
Total - Borrowings (I & II)
26579,28,18
23573,05,12
GHejeskele ceW Meeefceue peceeveleer GOeej jeefMeeeb
Secured Borrowings included in above
2767,77,47
523,16,34
pees[ (i to iv)
186
1124,43,94
ii) Deve mes
pees[ (I Deewj II)
II.
1404,99,05
Savings Bank Deposits
i) From Banks
yeQkeesb mes
Yeejle ceW GOeej ueer ieeer jeefMeeeb
III Term Deposits
III ceereeoer peceejeefMeeeb

i)
Demand Deposits
ii) From Others
ii) Deve mes
DEPOSITS
i) From Banks
yeQkeesb mes
31 ceee&, 2012 kees
2012-13
(000's
31 ceee&, 2013 kees
Devegmeteer - 5
SCHEDULE - 5
Deve oseleeSb Deewj HeeJeOeeve :
OTHER LIABILITIES AND

PROVISIONS
I
Bills Payable
ose efyeue
II
Deblej keeee&uee meceeeespeve II

(Meg)
III
GHeefele yeepe
IV
ceeveke DeefieceeW keer SJepe ceW IV Contingent Provision against Standard Advances
Deekeefmceke HeeJeOeeve
Deve (HeeJeOeeveeW meefnle)
III
Inter Office Adjustments (Net)

Interest Accrued
Others (including provisions)

TOTAL (I to V)
pees[ (I mes V)
Devegmeteer - 6
SCHEDULE - 6
vekeoer Deewj Yeejleere efj]peJe&

yeQke kes Heeme Mes<e
CASH AND BALANCES WITH

RESERVE BANK OF INDIA
31 ceee&, 2012 kees

`
`

`
`
1427,03,70
1366,84,43
360,51,59
3259,39,79
2805,96,51
1820,37,84
1390,06,06
7836,05,33
5837,58,92
14703,38,25
11400,45,92
1559,50,62
1200,78,63
neLe ceW vekeoer (efJeosMeer cege I

veeseW meefnle)
Cash in hand (including foreign

currency notes)
II
Balances with Reserve Bank of

India in Current Account
11892,57,21
20450,67,33
TOTAL (I & II)
13452,07,83
21651,45,96
II Yeejleere efj]peJe& yeQke kes
Heeme eeuet Keeles ceW Mes<e

jeefMe
pees[ (I Deewj II)
187
2012-13
(000's
31 ceee&, 2013 kees

`
31 ceee&, 2012 kees

`
Devegmeteer -7
SCHEDULE - 7
yeQkeeW kes Heeme Mes<e jeefMe leLee ceebie BALANCES WITH BANKS AND
SJeb DeuHe metevee Hej ose jeefMe MONEY AT CALL & SHORT NOTICE
I Yeejle ceW
i) yeQkeeW kes Heeme Mes<e jeefMe
I In India
i) Balances with Banks
ke) eeuet KeeleeW ceW
a) in Current Accounts
1191,50,73
Ke) Deve pecee KeeleeW ceW
b) in Other Deposit Accounts
3448,27,37
ii) ceebie SJeb DeuHe metevee Hej ose jeefMe
4639,78,10
3554,22,95
a) Banks
2445,00,00
Ke) Deve mebmLeeveeW kes heeme
b) Other institutions
6411,69,11
pees[ (i Deewj ii )
TOTAL (i and ii)
50,00,00
8856,69,11
13496,47,21
II Outside India
i) in Current Accounts
11638,16,35
7773,20,19
ii) Deve pecee KeeleeW ceW
ii) in Other Deposit Accounts
24558,99,01
15668,49,67
iii) yeQkeeW kes Heeme ceebie SJeb DeuHe
iii) Money at Call and Short Notice

with Banks
22253,20,03
15216,72,11
pees[ (i, ii Deewj iii)

kegue pees[ (I Deewj II)
188
50,00,00
3858,66,19
i) eeuet KeeleeW ceW
metevee Hej ose jeefMe
3808,66,19
ii) Money at call and short notice with
ke) yeQkeeW kes heeme
II Yeejle mes yeenj
254,43,24
TOTAL (i, ii and iii)

GRAND TOTAL (I and II)
58450,35,39
38658,41,97
71946,82,60
42517,08,16
2012-13
(000's
31 ceee&, 2013 kees

`
Devegmeteer-8 efveJesMe
SCHEDULE - 8 INVESTMENTS
I Yeejle ceW efveJesMe (mekeue)
I Investments in India (Gross)
IeeeW : cetueeme kes efueS HeeJeOeeve
Less: Provision for Depreciation
Yeejle ceW Meg efveJesMe
Net Investments in India
Deueie-Deueie efJeJejCe
BREAK - UP
i) mejkeejer eefleYetefleeeb
i) Government Securities
(efkeueeeEjie keeheexjMs eve Dee@He

Fbe[f ee ceW uee@pe efkeS ieS
`772.28 kejes[ kes Debekf ele cetue
(efheues Je<e& `386.90 kejes[ ) kes
`815.00 kejes[ meefnle (efheues
Je<e& `395.00 kejes[ ) Meeefceue nw
[Includes ` 772.28 crores

(Previous year ` 386.90 crores)
face value of ` 815.00 crores
(Previous year ` 395.00 crores)
lodged with Clg. Corp. of India]
[ScemeerSkeme kes meeLe uee@pe efkeS ieS

`19.70 kejes[ kes Debekf ele cetue
(efheues Je<e& `19.70) kes `20.30
kejes[ meefnle (efheues Je<e& `20.30)]
[Includes ` 19.70 crores (Previous

year ` 19.70 crores) face value of
` 20.30 crores (Previous year
` 20.30 crores) lodged with MCX]
[SveSmeF& kes heeme uee@pe efkeS ieS

`24.27 kejes[ Debekf ele cetue
(efheues Je<e& `24.27 kejes[ )
kes `25.00 kejes[ (efheues Je<e&
`25.00 kejes[ )] Meeefceue nw

year ` 24.27 crores) face value
of ` 25.00 crores (Previous year
` 25.00 crores) lodged with NSE]
[etSmeF& ceW pecee 14.97 kejes[

Debekf ele cetue (efheues Je<e& `14.97
kejes[ ) kes `15.25 kejes[ (efheues
Je<e& `15.25 kejes[ )] Meeefceue nw

year `14.97 crores) face value of
` 15.25 crores (Previous year
`15.25 crores) lodged with USE]
31 ceee&, 2012 kees

`
117537,50,11
79818,79,65
777,92,85
553,80,22
116759,57,26
79264,99,43
102044,53,23
69188,19,52
133,23,00
163,26,00
ii) Deve Devegceesefole HeefleYetefleeeb
ii) Other Approved Securities
iii) Mesej
iii) Shares
1504,91,18
1459,93,49
iv) ef[yeWej Deewj yeeb[
iv) Debentures and Bonds
2947,38,22
2959,98,37
v) Deveg<ebieer FkeeFeeb Deewj / ee

mebege Gece [FmeceW yeQke kee,
v) Subsidiaries and/or Joint

Ventures [includes Bank's share
of contribution as advance
of `152.91 crores (Previous
year ` 112.82 crores) towards
Share Capital of RRBs pending
allotment]
826,57,58
697,59,53
9302,94,05
4796,02,52
116759,57,26
79264,99,43
#es$eere ieeceerCe yeQkeeW kees Deefiece

kes He ceW Mesej Hetbpeer DebMeoeve
HeWef[bie DeueeceQ `152.91
kejes[) (efheues Je<e& `112.82
kejes[) Meeefceue nQ.]
vi) Deve efveJesMe
(JeeefCeefpeke He$eeW, cetegDeue

Heb[ keer etefveW, Heeme-Let HeceeCe
He$e Deeefo)
vi) Other Investments (Commercial

Papers, Units of Mutual Funds,
Pass Through Certificates etc.)
189
2012-13
(000's
31 ceee&, 2013 kees

`
`
31 ceee&, 2012 kees

`
`
Devegmeteer-8 efveJesMe (peejer)
SCHEDULE - 8 INVESTMENTS (contd.)

II Investments Outside India (Gross)
II Yeejle kes yeenj efveJesMe
(mekeue)
IeeeW : cetueeme kes efueS
HeeJeOeeve
Yeejle kes yeenj Meg
efveJesMe
Deueie-Deueie efJeJejCe
i) mejkeejer Heelf eYetelf eeeb
(mLeeveere HeeefOekejCeeW meefnle)
ii) efJeosMeeW ceW Deveg<ebefieeeb
Deewj / ee mebege Gece
iii) Deve efveJesMe
(ef[yeWej, yeeb[ Deeefo)
pees[ (I Deewj II)
Devegmeteer-9 Deefiece
Less: Provision for Depreciation
190
4094,48,61
141,22,08
150,08,03
Net Investments Outside India

BREAK - UP
i) Government Securities
(Including Local Authorities)
ii) Subsidiaries and/or joint
ventures abroad
iii) Other Investments
(Debentures, Bonds etc.)
TOTAL (I and II)
SCHEDULE - 9 ADVANCES
A. i) Bills Purchased and Discounted
ke. i) Kejeros Deewj YegveeS ieS

efyeue
ii) Cash Credits, Overdrafts and
ii) vekeo $e+Ce, DeesJej [êHe
Loans Repayable on Demand
Deewj ceebie Hej egkeewleer
eesie $e+Ce
iii) efceeeoer $e+Ce
iii) Term Loans
TOTAL A (i to iii )
pees[ ke (i mes iii)
B. i) Secured by Tangible Assets
Ke. i) cetle& DeeefmleeeW mes
(includes advances against
HeefleYeteflele (yener-$e+Ce keer
Book Debts)
SJepe ceW DeefieceeW meefnle)
ii) yeQke/mejkeejer ieejber mes
ii) Covered by Bank/Government
Guarantees
jef#ele
iii) iewj-peceeveleer
iii) Unsecured
TOTAL B (i to iii)
pees[ Ke (i mes iii)
C. I Advances in India
ie. I Yeejle ceW Deefiece
i HeeLeefcekelee HeeHle #es$e
i Priority Sector
ii Public Sector
ii meeJe&peefveke #es$e
iii Banks
iii yeQke
iv Others
iv Deve
II Advances Outside India
II Yeejle mes yeenj Deefiece
i Due from Banks
i yeQkeeW mes HeeHe
ii Due from Others
ii Deve mes HeeHe
a) Bills Purchased
ke) Kejeros Deewj YegveeS
& Discounted
ieS efyeue
b) Syndicated Loans
Ke) eEme[erkes $e+Ce
c) Others
ie) Deve
pees[ ie(I Deewj II)
4775,37,26
TOTAL C (I & II)
4634,15,18
3944,40,58
1114,75,53
1059,64,08
737,10,40
537,34,74
2782,29,25
2347,41,76
4634,15,18
3944,40,58
121393,72,44
83209,40,01
48409,29,55
39117,90,23
138333,54,50
121401,49,70
141442,92,44
126857,89,42
328185,76,49
287377,29,35
226454,54,33
190080,43,40
59970,69,98
50360,86,29
41760,52,18
46935,99,66
328185,76,49
287377,29,35
79467,14,90
64909,93,48
22539,06,68
23704,48,27
2571,30,19
2095,10,85
119716,80,90 224294,32,67 111365,86,96 202075,39,56
41450,89,46
33315,39,60
14772,30,59
12068,97,80
47668,23,77 103891,43,82 39917,52,39 85301,89,79
328185,76,49
287377,29,35
2012-13
(000's
31 ceee&, 2013 kees

`
`
Devegmeteer-10 Deeue Deeefmleeeb
SCHEDULE - 10 FIXED ASSETS
Heefjmej
efheues Je<e& kes 31 ceee& kees ueeiele Hej
Je<e& kes oewjeve HeefjJeOe&ve/
meceeeespeve
(Hegvecet&ueebefkele jeefMe meefnle)
Je<e& kes oewjeve
keewefleeeb/meceeeespeve

`
`
Premises
At cost as on 31st March of the
preceding year
Additions/adjustments during
the year
(Includes revalued amount)
Deductions/adjustments during
the year
Less: Depreciation/
Amortisation to date
Deepe keer leejerKe leke cetueeme/

HeefjMeesOeve
II Deve Dee} Deeefmleeeb (Heveeaej SJeb II Other Fixed Assets (including
Furniture & Fixtures) At cost as
efHekemeej kees efce}ekej) efheues Je<e& kes
on 31st March of the preceding
31 ceee& kees ueeiele Hej
Je<e& kes oewjeve heefjJeOe&ve/
meceeeespeve
31 ceee&, 2012 kees
year
Additions/adjustments during
the year
IeeSb : Je<e& kes oewjeve

keewefleeeb/meceeeespeve
Less: Deductions/adjustments
during the year
IeeSb : Deepe keer leejerKe leke

cetueeme
pees[ (I mes II)
Less : Depreciation to date

TOTAL (I to II)
2584,13,89
2488,44,27
44,92,66
96,96,40
2629,06,55
2585,40,67
1,26,78
2629,06,55
2584,13,89
907,63,28
1721,43,27
813,03,56
2337,44,82
2059,71,72
473,09,13
337,57,40
2810,53,95
2397,29,12
58,63,74
59,84,30
2751,90,21
2337,44,82
2020,21,88
731,68,33
2453,11,60
1767,04,95
1771,10,33
570,39,87
2341,50,20
191
2012-13
(000's
31 ceee&, 2013 kees

`
Devegmeteer -11
Deve Deeefmleeeb
SCHEDULE - 11
OTHER ASSETS
Inter-Office Adjustments (Net)
II GHeefele yeepe
II
Interest Accrued
III Deefiece kej Yegieleeve/eesle Hej kej
III Tax paid in advance/tax

deducted at source (net of
provisions)
Deblej keeee&uee meceeeespeve (efveJe})
keewleer
(HeeJeOeeveeW kee efveJeue)
IV uesKeve meeceieer Deewj mecHe
IV Stationery & Stamps
V Deve
V Others
TOTAL (I to V)
pees[ (I mes V)
Devegmeteer -12
SCHEDULE - 12
CONTINGENT LIABILITIES
yeQke kes efJe oeJes efpevnW osveoejer

veneR ceevee ieee
II DeebefMeke egkelee efveJesMeeW kes efuees oselee II
Claims against the Bank not

acknowledged as Debts
Liability for partly paid
Investments
III yekeeee Jeeeoe efJeefvecee mebefJeoeDeeW kes III Liability on account of

outstanding Forward Exchange
keejCe oselee
Contracts
IV mebIekeeW keer Deesj mes oer ieeer
ieejbefeeb :
ke)
Yeejle ceW
Ke) Yeejle mes yeenj
Deekeefmceke oselee nQ,

pees[ (I mes VI)
192
31 ceee&, 2012 kees

`
354,64,99
3636,82,35
3515,91,88
3374,52,25
1993,11,31
6,53,06
7,07,33
2686,05,41
4353,97,51
9703,93,07
10224,73,02
54,09,58
64,73,47
28,00
28,00
136024,70,55
93031,85,80
IV Guarantees given on behalf of

Constituents :
a) In India
14271,45,36
b) Outside India
14181,13,88 28452,59,24
9979,65,84 23745,58,41
18995,94,13
17950,28,63
21101,30,19
17710,07,00
204628,91,69
152502,81,31
V mJeerke=efleeeb, Hejebkeve SJeb Deve oeefelJe V Acceptances, Endorsements

and Other Obligations
VI Deve ceoW, efpevekes efueS yeQke keer
VI Other items for which the

Bank is Contingently liable
TOTAL (I to VI)
13765,92,57
2012-13
ueeYe neefve uesKes keer Devegmetefeeeb
Schedules to Profit & Loss Account

31 ceee&, 2013 kees
31 ceee&, 2012 kees
(000's
Year Ended
31st Mar, 2013
Devegmeteer-13
Deefpe&le yeepe
SCHEDULE - 13
INTEREST EARNED
DeefieceeW/efyeueeW Hej yeepe/yee
II efveJesMeeW Hej Deee
II
Interest / Discount on
Advances / Bills
Income on Investments
III Interest on Balances with

Reserve Bank of India and
jkece Deewj Deve Deblej yeQke efveefOeeeW
other Inter-Bank Funds
Hej yeepe
IV Deve
IV Others
III Yeejleere efj]peJe& yeQke kes Heeme Mes<e
TOTAL (I to IV)
pees[ (I mes IV)
Devegmeteer -14
Deve Deee
SCHEDULE - 14
OTHER INCOME
Commission, Exchange and

Brokerage
II
Profit on sale of Investments
keceerMeve, efJeefvecee Deewj oueeueer
II efveJesMeeW kes efJeee Hej ueeYe
Less: Loss on sale of

Investments
III Yetefce, FceejleeW Deewj Deve DeeefmleeeW III Profit on sale of Land,
Buildings and Other Assets
kes efJeee Hej ueeYe
Less: Loss on sale of Land,
IeeSb : Yetefce, FceejleeW Deewj Deve
DeeefmleeeW keer efyeeer hej neefve
IeeSb : efveJesMeeW keer efyeeer hej neefve
IV Profit on Exchange
Transactions
Less: Loss on Exchange
IeeSb : efJeefvecee uesve-osve hej neefve
Transactions
V efJeosMeeW/Yeejle ceW Deveg<ebieer FkeeFeeW V Income Earned by way
of Dividends etc. from
kebHeefveeeW Deewj/ee mebege GeceeW mes
Subsidiaries/Companies and/
}eYeebMe Deeefo kes He ceW Deefpe&le Deee
or Joint Ventures abroad/ in
India
VI efJeefJeOe Deee
VI Miscellaneous Income
IV efJeefvecee uesve-osve hej ueeYe
pees[ (I mes VI)
TOTAL (I to VI)
22369,40,96
7483,38,60
6184,72,95
1443,02,26
837,43,27
403,19,04
282,15,24
35196,65,44
29673,72,42
1257,35,64
1226,08,44
643,15,79
617,28,99
1,23,97
2,03,60
36,48,69
606,67,10
2,57,17
(79,63)
804,06,16
1,55,52
25867,05,54
628,76,73
11,47,74
Year Ended
31st Mar, 2012
1,76,03
81,14
690,77,15
802,50,64
4,66,14
686,11,01
38,32,24
25,57,86
915,94,61
877,07,27
3630,62,49
3422,32,82
193
2012-13
(000's
31 ceee&, 2013 kees
Devegmeteer-15
Kee& efkeee ieee yeepe
I
peceejeefMeeeW Hej yeepe
II
Yeejleere efj]peJe& yeQke/ Deblej yeQke

GOeej jeefMeeeW Hej yeepe
III Deve
I
II
kece&eeefjeeW kees Yegieleeve Deewj

lelmebybeOeer HeeJeOeeve
efkejeee, kej Deewj efyepeueer
31 ceee&, 2012 kees
Year Ended
31st Mar, 2013
`
`
Year Ended
31st Mar, 2012
`
`
22445,69,11
17770,71,70
461,09,24
974,60,56
631,14,76
954,84,77
23881,38,91
19356,71,23
3449,64,85
523,75,72
2985,57,91
415,73,56
SCHEDULE - 15
INTEREST EXPENDED
I
Interest on Deposits
II
Interest on Reserve Bank of

India / Inter Bank Borrowings
III Others
TOTAL (I to III)
pees[ (I mes III)

Devegmeteer-16
Heefjeeueve Jee
SCHEDULE - 16
OPERATING EXPENSES
I
Payments to and Provisions

for Employees
II
Rent, Taxes and Lighting
III HeeF& Deewj uesKeve meeceieer
III Printing and Stationery
56,07,26
38,80,56
IV efJe%eeHeve SJeb Heeej
IV Advertisement and Publicity
61,06,31
58,15,34
yeQke keer mecHeefe Hej

cetueeme
IeeeW : Dee} mecHeefeeeW kes
Hegvecet&ueebkeve kes keejCe Heejef#ele
Hetbpeer mes meceeeesefpele cetueeme
VI efveosMekeeW keer Heerme, Yees
Deewj Kee&
Depreciation on Bank's
Property
Less Depreciation adjusted

from capital reserve on
account of revaluation of
immovable properties
VI Directors' Fees, Allowances
and Expenses
369,62,71
68,99,00
353,00,90
300,63,71
76,44,38
276,56,52
1,24,84
1,17,59
33,83,02
30,53,23
39,64,82
22,12,49
IX Postages, Telegrams,
Telephones etc.
118,54,21
99,32,85
183,67,75
168,90,38
VII uesKee Hejer#ekeeW keer Heerme Deewj Keex
VII Auditors' Fees and Expenses

(including Branch Auditors'
(MeeKee uesKee Hejer#ekeeW keer Heerme SJeb
Fees and Expenses)
Keex meefnle)
VIII efJeefOe HeYeej
VIII Law Charges
IX [eke, leej Deewj
sueerHeesve Deeefo
X cejccele Deewj jKejKeeJe
Repairs and Maintenance
XI yeercee
XI Insurance
296,65,20
277,20,30
XII Deve Keex
XII Other Expenditure
891,07,53
775,49,41
TOTAL (I to XII)
5946,73,63
5158,71,73
pees[ (I mes XII)
194
2012-13
Devegmeteer-17 : 31 ceee&, 2013 kees meceeHle Je<e& keer GuuesKeveere uesKeebkeve veerefleeeb
Schedule - 17 : Significant accounting policies for the year ended March 31, 2013
1. leweejer kee DeeOeej
1.
The financial statements have been prepared under the

historical cost convention unless otherwise stated. They
conform to Generally Accepted Accounting Principles
(GAAP) in India, which comprises statutory provisions,
regulatory/ Reserve Bank of India (RBI) guidelines,
Accounting Standards/ guidance notes issued by the
Institute of Chartered Accountants of India (ICAI) and
the practices prevalent in the banking industry in India.
In respect of foreign offices, statutory provisions and
practices prevailing in respective foreign countries are
complied with.
efJeeere efJeJejefCeeeb, peye leke efke DeveLee GuuesKe ve nes, HejcHejeiele ueeiele
DeeOeej Hej leweej keer ieF& nQ. es Yeejle ceW meeceeveleee ceeve uesKeekejCe
efmeeble (peerSSheer)kes Devegmeej nQ efpeveceW meebefJeefOeke HeeJeOeeve, efJeefveeeceke/
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMe, Yeejleere meveoer uesKeekeej mebmLeeve
(DeeF&meerSDeeF&) eje peejer uesKee ceeveke/ceeie&oMeea veesdme leLee Yeejle kes yeQefkebie
Geesie ceW Heeefuele keee&HeCeeueer meceeefJe< nw. efJeosMeer keeee&ueeeW kes meboYe& ceW
mebyebefOele osMeeW kes Heeefuele meebefJeefOeke HeeJeOeeveeW Deewj keee&HeCeeueer kee DevegHeeueve
efkeee ieee nw.
2. DeekeueveeW kee Gheeesie

efJeeere efJeJejCeeW kees leweej kejves ceW efJeeere efJeJejCe keer leejerKe kees efjHees&
keer ieF& Deeefmle SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) leLee efjHees& keer
ieF& DeJeefOe keer Deee SJeb Jee mebyebOeer jeefMe kees efjHees& kejves nsleg HeyebOeve
kees keefleHee DevegceeveeW Deewj DeekeueveeW keer ceoo uesveer he[leer nw. HeyebOeve kee
efJeMJeeme nw efke efJeeere efJeJejCe kees leweej kejves kes efueS Heegkele Deekeueve
efJeJeskeHetCe& Deewj Gefele nQ. YeeJeer heefjCeece Fve DeekeueveeW mes efYeVe nes mekeles nQ.
uesKee DevegceeveeW ceW keesF& Yeer heefjJele&ve/mebMeesOeve Jele&ceeve SJeb YeeJeer DeJeefOe mes
ceeve nesiee peye leke efke DeveLee GuuesKe ve efkeee ieee nes.
USE OF ESTiMATES
The preparation of financial statements requires the

management to make estimates and assumptions
considered in the reported amount of assets and liabilites
(including contingent liabilites) as of date of the financial
statements and the reported income and expenses for the
reporting period. Management believes that the estimates
used in the preparation of the financial statements are
prudent and reasonable. Future results could differ from
these estimates. Any revision to the accounting estimates
is recognised prospectively in the current and future periods
unless otherwise stated.
inVESTMEnTS
3. efveJesMe
3.1
3.2
3.3
JeieeakejCe
yeQke kes mebHetCe& efveJesMe Hees&Heesefueees kee JeieeakejCe Yeejleere efj]peJe& yeQke
kes efveoxMeeW kes DevegHe efvecveevegmeej efkeee ieee nw, efpemeceW
(ke) HeefjHekeJelee leke Oeeefjle ceW Jes efveJesMe Meeefceue nbw efpevnW HeefjHekeJelee
leke jKeves kes GsMe mes HeeHle efkeee ieee nw.
(Ke) JeeHeej nsleg Oeeefjle ceW Jes efveJesMe Meeefceue nQ, efpevnW JeeHeej kes
GsMe mes HeeHle efkeee ieee nw.
(ie) efyeeer nsleg GHeueyOe ceW Jes efveJesMe Meeefceue nQ, pees GHejeskele (ke)
leLee (Ke) ceW Meeefceue veneR nbw, DeLee&le pees ve lees JeeHeej kes GsMe
mes HeeHle efkeS ieS nQ Deewj ve ner HeefjHekeJelee leke jKeves kes GsMe
mes HeeHle efkeS ieS nQ.
DeefOeenCe ueeiele
efveJesMe keer DeefYeenCe ueeiele ceW eeslmeenve, eejbefYeke Meguke SJeb
keceerMeve jeefMe meefcceefuele nw.
cetueebkeve kee DeeOeej
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW kees Yeeefjle
Deewmele DeefOeenCe ueeiele Hej efueee ieee nw, yeMelex Jen Debefkele cetue
mes DeefOeke nes, Fme efmLeefle ceW Heerefceece kees HeefjHekeJelee keer Mes<e DeJeefOe
leke HeefjMeesefOele efkeee ieee nw.
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW ceW ef[yeWej/yeeb[, efpevnW
mJeHe/Heke=efle keer ef< mes Deefiece ceevee peelee nw, Meeefceue nw (efpevekes efueS
Deeefmle JeieeakejCe mebyebOeer Yeejleere efjp] eJe& yeQke kes efJeJeskeHetCe& ceeveob[ leLee
DeefieceeW Hej ueeiet HeeJeOeeve kes Devegmeej eeJeOeeve efkeS peeles nQ)
#es$eere ieeceerCe yeQkeeW, ^s]pejer efyeue, keceefMe&eue HesHeme&, Fbefoje efJekeeme-He$e,
efkemeeve efJekeeme He$e Deewj pecee HeceeCe-He$e Hej efkeS ieS efveJesMe Meeefceue
nQ Deewj efpevekes cetue kee efveOee&jCe jKeeJe ueeiele Hej efkeee ieee nw.
BASiS OF PREPARATiOn
3.1 Classification
The Investment portfolio of the Bank is classified,
in accordance with the Reserve Bank of India
guidelines, into:
a
b
c
Held to Maturity (HTM) comprising Investments

acquired with the intention to hold them till maturity.
Held for Trading (HFT) comprising Investments
acquired with the intention to trade.
Available for Sale (AFS) comprising Investments
not covered by (a) and (b) above i.e. those which are
acquired neither for trading purposes nor for being
held till maturity.
3.2 Acquisition Cost

Cost of acquisition of Investments is net of incentives,
front-end fees and commission.
3.3 Basis of Valuation
Investments classified as HTM are carried at weighted
average acquisition cost unless it is more than the face
value, in which case the premium is amortized over
the period remaining to maturity.
Investments classified as HTM includes debentures /
bonds which are deemed to be in the nature of / treated
as advances (for which provision is made by applying
the RBI prudential norms of assets classification and
provisioning applicable to Advances).
Investments in Regional Rural Banks, Treasury Bills,
195
2012-13
mebegkele GeceeW leLee Deveg<ebefieeeW ceW (Yeejle leLee efJeosMe oesveeW ceW), DemLeeeer
Hekeej kes efveJesMeeW kees es[kej efveJesMeeW kee cetueebkeve, eme cetue kees
Ieekej DeefOeienCe ueeiele Hej efkeee peelee nw.
JeermeerSHe FkeeFeeW ceW efoveebke 23.08.2006 kes yeeo efkeS ieS yeQke
efveJesMeeW kees eejbefYeke leerve Je<e& keer DeJeefOe kes efueS heefjhekeJelee leke
Oeeefjle mebJeie& ceW Jeieeake=le efkeee peelee nw Deewj ueeiele hej cetueebefkele
efkeee peelee nw. mebefJelejCe kes leerve Je<e& heMeele Fmes efyeeer kes efueS
GheueyOe ceW Debleefjle kej efoee peelee nw Deewj Yeejleere efj]peJe& yeQke kes
efoMee-efveoxMeeW kes Devegmeej yeepeej kes he ceW efeefvnle efkeee peelee nw.
JeeHeej kes efueS Oeeefjle SJeb efyeeer kes efueS GHeueyOe kes He
ceW Jeieeake=le efveJesMe, efmeHeJeej yeepeej kes he ceW efeefvnle efkees
peeles nQ Deewj legueve he$e ceW Ieesef<ele HeefjCeeceer Meg cetueeme eefo
keesF& nes, kees ueeYe neefve Keeles kes efnmeeye ceW efueee peelee nw,
peyeefke eefo keesF& cetue Je=ef nes lees Gmes es[ efoee peelee nw.
eeLeefceke [eruej kes he ceW yeQke eje Jeeheej kes efueS Oeeefjle mebJeie&
kes Devleie&le ^spejer efyeueeW ceW efveJesMe kee cetueebkeve cetueeW kes Devegmeej
efleceener DeeOeej hej efkeee peelee nw.
JeeHeej kes efueS Oeeefjle leLee efyeeer kes efueS GHeueyOe esCeer kes
efveJesMeeW kes cetueebkeve kes efueS, yee]peej me@ke SkemeeWpe ceW G=le
ojW, HeeFcejer [erueme& SmeesefmeSMeve Dee@He] Fbef[ee (Heer[erSDeeF&)/efHekem[
Fvkece ceveer ceekex Sb[ [sefjJe@efJme SmeesefmeSMeve (SHeDeeF&SceSce[erS)/
Hee@jsve SkemeeWpe [erueme& SmeesefmeSMeve Dee@]He Fbef[ee (SHeF[erSDeeF&)
eje Ieesef<ele ojeW kee GHeeesie efkeee ieee nw.
efpeve efveJesMeeW kes efueS Ssmeer ojW/G=le ojW GHeueyOe veneR nQ, Gvekee cetueve
Yeejleere efj]peJe& yeQke kes efveOee&efjle ceeveob[eW kes Devegmeej efkeee ieee nw,
pees efvecveevegmeej nQ :
ke) mejkeejer/Devegceesefole - HeefjHekeJelee HeefleHeue kes DeeOeej Hej
HeefleYetefleeeb
3.4
196
Commercial Papers and Certificates of Deposit which

have been valued at carrying cost.
Investments in subsidiaries and joint ventures (both in
India and abroad) are valued at acquisition cost less
diminution, other than temporary in nature.
Banks investments in units of VCFs made after
23.08.2006 are classified under HTM category for
initial period of three years and are valued at cost.
After period of three years from date of disbursement,
it will be shifted to AFS and marked-to-market as per
RBI guidelines.
Investments classified as HFT and AFS are marked to
market scrip-wise and the resultant net depreciation if
any, in each category disclosed in the Balance Sheet
is recognized in the Profit and Loss Account, while the
net appreciation, if any, is ignored.
Investments made by the Bank as Primary Dealer in
Treasury Bills under HFT category have been valued
at carrying cost.
For the purpose of valuation of quoted investments in
Held for Trading and Available for Sale categories,
the market rates / quotes on the Stock Exchanges, the
rates declared by Primary Dealers Association of India
(PDAI) / Fixed Income Money Market and Derivatives
Association (FIMMDA) / Foreign Exchange Dealers
Association of India (FEDAI) are used.
Investments for which such rates / quotes are not
available are valued as per norms laid down by RBI,
which are as under:
a Government /
- on Yield to Maturity basis.
Approved securities
b Equity Shares,
PSU and Trustee
shares
- at book value as per the latest

Balance Sheet (not more than
12 months old), otherwise Re.1
per company.
Ke) FefkeJeer Mesej,

HeerSmeet Deewj ^mer
Mesej
- Deeleve legueve-He$e (12 ceen mes

DeefOeke Hegjevee veneR) kes Devegmeej yener
cetue Hej DeveLee `1/- Heefle kebHeveer.
ie) DeefOeceeveer Mesej
- mecegef ele esef[ mes[ ceeke&-Dehe kes meeLe

heefjhekeJelee kes eefleHeue kes DeeOeej hej
c Preference Shares - on Yield to Maturity basis

with appropriate credit spread
markup
Ie) HeerSmeet yeeb[
- mecegefele esef[ mHes[ ceeke& DeHe kes meeLe

HeefjHekeJelee kes HeefleHeue kes DeeOeej Hej.
d PSU Bonds
- on Yield to Maturity basis with

appropriate credit spread markup.
e Units of Mutual
Funds
- at the latest repurchase price

/ NAV declared by the Fund in
respect of each scheme.
f Venture Capital
- Declared NAV or break up NAV

as per audited balance sheet
which is not more than 18 months
old. If NAV/ audited financials
are not available for more than
18 months continuously then at
Re. 1/- per VCF.
[.) cetegDeue Heb[ keer

etefveW
Heb[ eje Heleske mkeerce kes mebyebOe

ceW Ieesef<ele Deeleve HegveKe&jero cetue/
Sve.S.Jeer. Hej
e) Gece Hetbpeer
uesKeeHejeref#ele legueveHe$e, pees efke 18

ceen mes peeoe Hegjeveer ve nes, kes
Devegmeej Ieesef<ele SveSJeer ee DeueieDeueie SveSJeer. eefo, ueieeleej
18 ceen mes DeefOeke kes SveSJeer ee
uesKeeHejeref#ele efJeeere Deebke[s GHeueyOe
ve nes lees Heefle JeermeerSHe ` 1/-
efveJesMeeW kee efvemleejCe

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efkeS ieS efveJesMeeW keer
efyeeer Hej nesves Jeeues ueeYe/neefve kees, efveJesMe mes mebyebeOf ele Yeeefjle Deewmele
ueeiele/yener cetue kes DeeOeej Hej ueeYe/neefve uesKes ceW efueee peelee nw
3.4 Disposal of Investments

Profit/ loss on sale of Investments classified as HTM
is recognized in the Profit and Loss Account based on
the weighted average cost / book value of the related

leLee HeefjHekeJelee leke Oeeefjle JeieeakejCe ceW efveJesMe keer efyeeer Hej mecelegue
ueeYe kes meceeve jeefMe Hetpb eeriele Heejef#ele Keeles ceW meceeeesepf ele keer ieF& nw.
efyeeer kes efueS GheueyOe Deewj Jeeheej kes efueS Oeeefjle efveJesMeeW keer efyeeer mes
nesves Jeeues ueeYe/neefve kees ueeYe neefve KeeleW ceW eYeeefjle efkeee peelee nw.
3.5
efveheeve leejerKe DeeOeej hej efkeS ieS efveJesMe kes efueS yeQke Skehe
uesKeebkeve heefle Deheveelee nw.
3.6 efJeosMeer MeeKeeDeeW kes mebyebOe ceW, Yeejleere efj]peJe& yeQke DeLeJee Gme osMe
kes efoMee-efveoxMeeW kees, pees Yeer peeoe meKle neW, kee Heeueve efkeee ieee
nw. efJeosMeeW ceW efmLele Gve MeeKeeDeeW kes ceeceues ceW peneb Hej efoMee-efveoxMe
efJeefveefo&< veneR nQ, Jeneb Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kee Heeueve
efkeee peelee nw.
3.7 Fve esefCeeeW kes yeere HeefleYetefleeeW kes DeblejCe keer ieCevee, DeblejCe keer
leejerKe kees Gmekeer DeefOeienCe ueeiele/yener cetue/yeepeej cetue ceW mes pees
Yeer kece nes, Hej keer peeleer nw Deewj Ssmes DeblejCe kes HeuemJeHe DeeS
cetueeme, eefo keesF& nw, kes efueS HeeJeOeeve efkeee peelee nw.
3.8 iewj-efve<Heeefole HeefleYetefleeeW kes mebyebOe ceW Deee kees ceevelee veneR oer ieF&
nw Deewj Fve HeefleYetefleeeW kes cetue ceW cetueeme kes efueS Yeejleere efj]peJe&
yeQke kes efoMee efveoxMeevegmeej GHeegkele HeeJeOeeve efkeee ieee nw.
3.9 Hegve:Kejero/HeleeJeefle&le Hegve: Kejero
yeQke ves Hegve: Kejero leLee HeleeJeefle&le Hegve: Kejero uesveosveeW kees uesKeebefkele
kejves nsleg Yeejleere efj]peJe& yeQke eje yeleeF& ieF& Ske meceeve uesKee HeCeeueer
kees DeHeveeee nw. (Yeejleere efj]peJe& yeQke kes meeLe eueefveefOe meceeeespeve
megefJeOee (SueSSHe) kes Debleie&le ngS uesveosveeW kees es[kej). hegve: Kejero
SJeb eleeJeefle&le hegve: Kejero mebJeJenejeW kees mebheeefMJe&ke GOeej/$e+Ceoeve
kes Debleie&le ceevee peelee nw efpemeceW mencele MeleeX hej hegve:Kejero kee
kejej efkeee peelee nw. hegve: Kejero kes Devleie&le efyeeer keer eefleYetefleeeW
kees efveJesMe kes Devleie&le oMee&ee peelee nw Deewj eleeJeefle&le hegve: Kejero
eefleYetefleeeW kees efveJesMe ceW Meeefceue veneR efkeee peelee. ueeiele SJeb jepemJe
kees $e+Ce yeepe Jee/Deee kees eLeeefmLeefle uesKeeke=le efkeee peelee nw.
Yeejleere efjpeJe& yeQke kes heeme eueefveefOe meceeeespeve megefJeOee kes Debleie&le
Kejeroer/yeseer ieF& eefleYetefleeeb efveJesMe Keeles ceW veeces/pecee keer peeleer nQ Deewj
mebJeJenej keer heefjhekeJelee hej eleeJeefle&le keer peeleer nQ. Kee& efkees yeepe/
Gme hej Deefpe&le Deee kees Jee/jepemJe kes he ceW efnmeeye ceW efueee peelee nw.
3.10 [sefjJesefJme
yeQke Jele&ceeve ceW yeepe ojeW leLee cege [sefjJesefJme ceW [erue kejlee nw.
yeQke eje JeJeneefjle yeepe oj [sefjJesefJme ceW Heee yeepe oj mJewHe,
efJeosMeer cege yeepe-oj mJesHe leLee HeejJe[& js SieerceWdme Meeefceue nQ.
yeQke eje JeJenej ceW ueees peeves Jeeues cege [sefjJesefJme ceW Dee@HMeve leLee
cege mJesHme nQ.
Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DeeOeej Hej, [sefjJesefJme kee
cetueebkeve efvecveevegmeej efkeee peelee nw :
JeJemLee yeeeJe/iewj JeJemLee yeeeJe (ceekex cesefkebie) mebJeJenej
Deueie-Deueie efjkee[& efkees peeles nQ. JeJemLee yeeeJe [sefjJesefJme Gheee
DeeOeej Hej uesKeebefkele efkees peeles nQ. ^sef[bie [sefjJesefJe HeesefpeMevme
ceeke&d[ t ceekex (SceerSce) nQ leLee efkemeer Yeer Hekeej keer neefve, eefo
keesF& nes ueeYe-neefve Keeles ceW ope& keer peeleer nw. ueeYe, eefo keesF& nes,
kees ope& veneR efkeee peelee. yeepe oj mJewHe mes mebyebefOele Deee leLee
Jee mecePeewlee efleefLe kees ope& neslee nw. ^sef[bie mJewHme keer meceeefHle Hej
ueeYe/neefve meceeefHle efleefLe Hej Deee/Jee kes He ceW ope& keer peeleer nw.
2012-13
Investments and an amount equivalent of profit on sale

of Investments in HTM classification is appropriated to
Capital Reserve Account.
Profit/ loss on sale of Investment in AFS/ HFT category
is recognized in Profit and Loss Account.
3.5 The Bank is following uniform methodology of
accounting for investments on settlement date basis.
3.6 In respect of investments at overseas branches, RBI
guidelines or those of the host countries, whichever are
more stringent are followed. In case of those branches
situated in countries where no guidelines are specified,
the guidelines of the RBI are followed.
3.7 The transfer of a security between these categories
is accounted for at the acquisition cost / book value /
market value on the date of transfer, whichever is the
least, and the depreciation, if any, on such transfer is
fully provided for.
3.8 In respect of non-performing securities, income is not
recognised, and provision is made for depreciation
in the value of such securities as per RBI guidelines.
3.9 REPO / Reverse REPO
The Bank has adopted the Uniform Accounting
Procedure prescribed by the RBI for accounting of
market Repo and Reverse Repo transactions [other
than the Liquidity Adjustment Facility (LAF) with the
RBI]. Repo and Reverse Repo Transactions are
treated as Collaterised Borrowing / Lending Operations
with an agreement to Repurchase on the agreed terms.
Securities sold under Repo are continued to be shown
under investments and Securities purchased under
Reverse Repo are not included in investments. Costs
and revenues are accounted for as interest expenditure
/ income, as the case may be.
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.
3.10 Derivatives
The Bank presently deals in interest rate and currency
derivatives. The interest rate derivatives dealt with by
the Bank are Rupee Interest Rate Swaps, Foreign
Currency Interest Rate Swaps and forward rate
agreements. Currency Derivatives dealt with by the
Bank are Options and Currency swaps.
Based on RBI guidelines, Derivatives are valued as
under:
The hedge/ non-hedge(market making) transactions
are recorded separately. Derivative contracts
designated as hedges are not marked to market unless
their underlying asset is marked to market. Trading
derivative positions are marked-to-market (MTM) and
the resulting losses, if any, are recognized in the Profit
and Loss Account. Profit, if any, is ignored. Income
and Expenditure relating to interest rate swaps are
recognized on the settlement date. Gains/ losses on
termination of the trading swaps are recorded on the
termination date as income/ expenditure.
197
2012-13
For the purpose of valuation, the fair value of the

total swap is computed on the basis of the amount
that would be receivable or payable on termination
of the transactions of the swap agreements as on
the Balance Sheet date. Losses arising there from, if
any, are fully provided for while the profits, if any, are
ignored.
Contingent Liabilities on account of derivative contracts
denominated in foreign currencies are reported at
closing rates of exchange notified by FEDAI at the
Balance Sheet date.
cetueebkeve kes efueS, kegue mJewhe kes JeemleefJeke cetue keer ieCevee legueveHe$e keer efleefLe kees mJewHe kejejeW kes keejesyeej meceeefHle Hej HeeHe ee
ose jeefMe kes DeeOeej hej keer peeleer nw, mebyebefOele neefveeeW, eefo neW,
kes efueS HetCe&le: HeeJeOeeve efkeee ieee nw, peyeefke ueeYeeW kees es[ efoee
ieee nw.
legueve he$e keer efleefLe kees Hes[eF& eje DeefOemetef ele efJeefvecee oj kes yebo
YeeJe hej efJeosMeer cege ceW [sejf Jesef Je mebeJf eoeDeeW kees Deekeefmceke oseleeDeeW kes
Devle&iele Jeieeake=le efkeee peelee nw.
4. Deefiece
4.1
Yeejle ceW DeefieceeW kees ceeveke, DeJeceeveke, mebefoiOe ee neefve DeeefmleeeW

kes He ceW Jeieeake=le efkeee peelee nw leLee Fmekes efueS HeeJeOeeve Yeejleere
efj]peJe& yeQke kes efJeJeskehetCe& ceeveob[eW kes Devegmeej efkeee peelee nw. efJeosMeer
MeeKeeDeeW eje efoS ieS DeefieceeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes
efveoxMeeW kes Devegmeej DeLeJee Gme osMe, efpemeceW Deefiece efoS ieS nQ, ceW
efJeeceeve ceeveob[eW ceW mes pees Yeer ke[s ceeveob[ nebs, kes DevegHe Jeieeake=le
efkeee peelee nw.
4.2
Deefiece, efJeefveefo& $e+CeeW Hej neefve kes HeeJeOeeveeW, Geble yeepe, Jeeoemle
efJeefJeOe pecee SJeb eehle oeJee jeefMe kee efveJeue nw.
4.3
Hegveefve&Oeeefjle/Hegveie&ef"le KeeleeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes efoMee
efveoxMeeW kes Devegmeej hegveie&ef"le DeefeceeW kes Gefele cetue ceW keceer kes efueS
eeJeOeeve efJeeceeve cetue MeleeX hej Deekeueve kejles ngS efkeee peelee nw.
4.4
5.1
Heefjmej Je Deve Deeue Deeefmleeeb Hegvecet&ueebefkele HeefjmejeW kees es[kej,

meeceevele: HejcHejeiele cetue Hej ueer ieeer nQ. Hegvecet&ueebkeve Hej ngF&
cetueJe=ef, eefo keesF& nes, kees Hetbpeeriele Heejef#ele efveefOe ceW pecee efkeee
ieee nw. leLee Fme Hej cetueeme kees FmeceW mes Ieeee peelee nw.
5.2
HeefjmejeW ceW Yetefce SJeb efvecee&CeeOeerve HeefjmejeW kees Meeefceue efkeee

ieee nw.
6. Heejef#ele efveefOeeeb SJeb DeefOeMes<e

jepemJe SJeb Deve Heejef#ele efveefOeeeW ceW mecye osMeeW kes Heeefuele mLeeveere keevetveeW
kes Devegmeej efJeosMeer MeeKeeDeeW eje efveefce&le meebefJeefOeke Heejef#ele efveefOeeeW kees
Meeefceue efkeee ieee nw.
7. jepemJe kee efveOee&jCe
7.2
198
Deee kees GHeee DeeOeej Hej peye leke efke DeveLee GefuueefKele ve nes, uesKeebekf ele
efkeee ieee nw. efJeosMeer keeee&ueeeW kes ceeceues ceW Deee / Jee keer ieCevee Gme
osMe kes keevetve kes Devegmeej keer ieF& nw, peneb Hej efJeosMeer keeee&uee efmLele nw.
mejkeejer keejesyeej, ieejbefeeW, meeKe he$eeW, efJeefvecee, oueeueer Deeefo hej
keceerMeve, Deefece efyeueeW hej yeepe leLee kej efjheb[ hej Deefpe&le yeepe
kees es[kej Meguke, keceerMeve kes ceeOece mes Deee kees Jemetueer DeeOeej hej
efnmeeye ceW efueee peelee nw. Deveg<ebefieeeW, mebegkele GHeeceeW leLee meneesieer
ADVAnCES
4.1 Advances in India are classified as Standard, Substandard, Doubtful or Loss assets and provision for
advances are made as per the Prudential Norms of
the RBI. In respect of Advances made in overseas
branches, Advances are classified in accordance
with Prudential Norms prescribed by the RBI or local
laws of the host country in which advances are made,
whichever is more stringent.
4.2 Advances are net of specific loan loss provisions,
interest suspense, amount received and held in suitfiled Sundry Deposits and Claims Received.
4.3 In respect of Rescheduled / Restructured accounts,
Provision for dimunition in fair value of restructured
advances is measured in net present value terms as
per RBI guidelines.
Deeefmle Hegveie&"ve kebHeveer (SDeejmeer) /Heelf eYetelf ekejCe (efmekeeesejf eFpesMeve)

kebHeveer (Smemeer) kees yeseer ieF& efJeeere DeeefmleeeW kes ceeceues ceW, eefo efyeeer
Meg yener cetue mes kece cetue Hej keer ieF& nes lees neefve (keceer) kees ueeYe
neefve Keeles ceW veeces efkeee peelee nw. eefo efyeeer cetue yener cetue mes peeoe
nw lees Deefleefjkele HeeJeOeeve jeefMe kees efjJeme& veneR efkeee peelee nw yeefuke Fmes
Deve iewj efve<heeoke efJeeere DeeefmleeeW keer efyeeer kejves hej keceer/neefve kees
hetje kejves kes efueS Gheeesie ceW efueee peelee nw.
5. Deeue Deeefmleeeb
7.1
4.4 In case of financial assets sold to Asset Reconstruction

Company (ARC)/ Securitization Company (SC), if the
sale is at a price below the net book value (NBV), (i.e.
Book value less provisions held) the shortfall is debited
to the profit and loss account. If the sale value is higher
than the NBV, surplus is carried forward and utilised
to meet the shortfall/ loss on account of subsequent
sale of non-performing financial assets.
5
FiXED ASSETS
5.1 Premises and other Fixed Assets are stated at
historical cost except revalued premises which are
stated at revalued amount. The appreciation on
revaluation is credited to Capital Reserve and the
depreciation provided thereon is deducted therefrom.
5.2 Premises include land and building under construction.
RESERVES AnD SURPLUS

Revenue and other Reserves include Statutory Reserves
created by foreign branches as per applicable local laws
of the respective countries.
REVEnUE RECOGniTiOn
7.1 Income (other than item referred in Paragraph 7.2)/
expenditure is generally recognised on accrual basis.
In case of foreign offices, income/ expenditure is
recognised as per the local laws of the country in which
the respective foreign office is located.
7.2 Income by way of Fees, Commission other than on
Government business, Commission on Guarantees,
Letter of Credits, Exchange, Brokerage and Interest on
Advance Bills are accounted for on realisation basis.
7.3
7.4
8.1
8.2
8.3
8.4
8.5
Dividend on shares in Subsidiaries, joint ventures and

associates is accounted on realisation basis.
kebheefveeeW kes MesejeW Hej ef[efJe[W[ JeemleefJeke HeeefHle kes DeeOeej Hej efnmeeye
ceW efueS peeles nQ.
iewj efve<Heeefole DeeefmleeeW / eqveJesMeeW hej Deee kes mebien keer Deefveefelelee
keer ef< mes, Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes DevegHe Ssmeer
Deee efmeHe& Jemetue nesves Hej ner uesKeebefkele nesleer nw.
Yeejleere meveoer uesKeekeej mebmLeeve eje peejer uesKee ceeveke 19 (hes)
kes Devegmeej ueerpe Mele& hej ueerpe YegieleeveeW kees, efpemeceW heefjeeueve ueerpe
hej ueer ieF& DeeefmleeeW keer ueeiele Je=ef Meeefceue nw, ueeYe/neefve Keeles ceW
eYeeefjle efkeee peelee nw.
8. kece&eeefjeeW kees ueeYe

YeefJe<e efveefOe
yeQke Dee@He ye[ewoe HeerSHe efveeceeW kes Devegmeej YeefJe<e efveefOe DebMeoeve
eespevee Ske meebefJeefOeke oeefelJe nw Deewj yeQke hetJe& efveOee&efjle ojeW hej
efveefMele DebMeoeve kee Yegieleeve kejlee nw. yeQke kee oeefelJe efveefMele
DebMeoeve leke meerefcele nw. DebMeoeve kees ueeYe/neefve Keeles ceW eYeeefjle
efkeee peelee nw. efveefOeeeW kee eyebOeve yeQke Dee@He ye[ewoe YeefJe<e efveefOe
veeme eje efkeee peelee nw.
Gheoeve
yeQke Dee@He ye[ewoe GHeoeve efveefOe efveeceeW SJeb efJeefveeceesb kes Devegmeej Gheoeve
oselee Ske meebefJeefOeke oeefelJe nw Deewj Je<e& kes Deble ceW mebefele cetue
DeeOeej hej Fmekee eeJeOeeve efkeee peelee nw. yeQke eje Fme eespevee kes
efueS jeefMe GheueyOe kejJeeeer peeleer nw Deewj yeQke Dee@He ye[ewoe GHeoeve
efveefOe veeme Fmekee eyebOeve kejlee nw.
heWMeve
8.3.1 yeQke Dee@He ye[ewoe kece&eejer heWMeve efJeefveeceeW kes Debleie&le heWMeve
oselee yeeOelee kes he ceW JeeKee keer ieF& nw Deewj Je<e& kes Deble
ceW mebefele cetue DeeOeej Fmekee eeJeOeeve efkeee peelee nw. en
Gve kece&eeefjeeW kes efueS nw, efpevnesves 31.3.2010 leke yeQke mesJee
enCe keer Deewj HebsMeve kee efJekeuHe efueee nw. yeQke Dee@He ye[ewoe
(kece&eejer) HesbMeve Heb[ veeme eje Fme eespevee kes efueS jeefMe
GheueyOe kejJeeeer peeleer nw.
8.3.2 efpeve kece&eeefjees ves yeQke mesJee 1.4.2010 kees ee Gmekes yeeo
enCe keer nw Gvekes efueS veF& HeWMeve eespevee HeeefjYeeef<ele DebMeoeve
DeeOeej Hej ueeiet nw. yeQke eje HetJe& efveOee&efjle efveeqele DebMeoeve
kee Yegieleeve efkeee peelee nw. yeQke kee oeefelJe Ssmes HetJe& efveOee&efjle
DebMeoeve leke ner meerefcele nw. DebMeoeve ueeYe leLee neefve Keeles ces
eYeeefjle neslee nw.
eeflehetefjle DevegheefmLeefle
mebefele eeflehetefjle DevegheefmLeefle eLee Gheeefpe&le DeJekeeMe (heerSue) Deewj
efeefkelmee DeJekeeMe (Deeege Deekeefmceke DeJekeeMe meefnle) kee mebefele
cetue kes DeeOeej hej eeJeOeeve efkeee peelee nw.
Deve kece&eejer ueeYe (efnle)
Deve kece&eejer efnle (ueeYe) eLee ger ee$ee efjeeele, efeefkelmee ueeYe
Deeefo kes efueS mebefele cetue kes DeeOeej hej eeJeOeeve efkeee peelee nw.
efJeosMeer MeeKeeDeeW/keeee&ueeeW kes meboYe& ceW eefleefveegefe hej kece&eeefjeeW
kees es[kej Deve kece&eeefjeeW kes efueS mebyebefOele osMe ceW efJeeceeve efveeceeW
kes Devegmeej ueeYeeW kee Deekeueve efkeee peelee nw.
2012-13
7.3 In view of uncertainty of collection of income in cases

of Non-performing Assets/Investments, such income
is accounted for only on realisation in terms of the
RBI guidelines.
7.4 Lease payments including cost escalation for assets
taken on operating lease are recognised in the Profit
and Loss Account over the lease term in accordance
with the AS 19 (Leases) issued by ICAI.
8
EMPLOYEE BEnEFiTS
8.1 PROVIDENT FUND
Provident fund is a statutory obligation as per Bank of
Baroda PF Rules as the Bank pays fixed contribution
at pre-determined rates.The obligation of the Bank is
limited to such fixed contribution. The contributions
are charged to Profit and Loss Account. The fund is
managed by Bank of Baroda Provident Fund Trust.
8.2 GRATUITY
Gratuity liability is a statutory obligation as per Bank
of Baroda Gratuity Fund Rules and Regulations and
is provided for on the basis of an actuarial valuation
made at the end of the financial year. The gratuity
liability is funded by the bank and is managed by
Bank of Baroda Gratuity Fund Trust.
8.3 PENSION
8.3.1 Pension liability is a defined benefit obligation
under Bank of Baroda Employees Pension
Regulations 1995 and is provided for on the
basis of actuarial valuation made at the end of
the financial year, for the employees who have
joined Bank up to 31.03.2010 and opted for
pension. The pension liability is funded by Bank
of Baroda (Employees) Pension Fund Trust.
8.3.2 New Pension Scheme which is applicable
to employees who joined bank on or after
01.04.2010 is a defined contribution scheme,
Bank pays fixed contribution at predetermined
rate and the obligation of the Bank is limited
to such fixed contribution. The contribution is
charged to Profit and Loss Account.
8.4 COMPENSATED ABSENCES
Accumulating compensated absences such as
Privilege Leave and Sick Leave are provided for
based on actuarial valuation.
8.5 OTHER EMPLOYEE BENEFITS
Other Employee benefits such as Leave Encashment,
Leave Fare Concession and Additional Retirement
Benefit on Retirement are provided for based on
actuarial valuation.
In respect of overseas branches and offices, the
benefits in respect of employees other than those
on deputation are valued and accounted for as per
laws prevailing in the respective territories.
199
2012-13
9. cetueeme
DEPRECiATiOn
9.1
Yeejle ceW Deeue DeeefmleeeW kes efueS hegvecetu& eebekf ele DeeefmleeeW kees es[ kej
(efvecve JeefCe&le Devegso 9.3 Je 9.4 kes DeueeJee) kebheveer DeefOeefveece,
1956 keer Devegmeteer XIV ceW GefuueefKele cetueeefmele cetue heefle kes
Devegmeej eeJeOeeve efkeee peelee nw. FmeceW hegvece&tueebefkele DeeefmleeeW
keer Devegceeefvele Gheeesie DeJeefOe kes DeeOeej hej DeefOeke cetueeme kee
eeJeOeeve efkeee peelee nw.
9.1
Depreciation on Fixed Assets in India [other than

those referred in Paragraph 9.3 and 9.4] is provided
on the written down value method in accordance
with Schedule XIV to the Companies Act, 1956,
except in case of revalued assets, in respect of
which higher depreciation is provided on the basis
of estimated useful life of these revalued assets.
9.2
Yeejle mes yeenj Deeue DeeefmleeeW Hej, (veeres Devegso 9.3 ceW JeefCe&le
kees es[kej) cetueeme mLeeveere keevetveeW ee mebyebefOele osMe ceW Heeefuele
eefeee kes Devegmeej efkeee peelee nw.
9.2
Depreciation on Fixed Assets outside India [other

than those referred to in Para 9.3 below] is provided
as per local laws or prevailing practices of the
respective territories.
9.3
Yeejle Deewj Yeejle kes yeenj kebHetjeW Hej cetueeme Yeejleere efj]peJe&
yeQke kes efoMee-efveoxMeeW kes Devegmeej m^s ueeFve efJeefOe mes 33.33% keer
oj mes Heoeve efkeee ieee nw. kebHetj mee@HeJesej, pees efke ne[&Jesej
kee DeefveJeee& Debie veneR nw, kee hetCe& cetueeme Kejero Je<e& kes oewjeve ner
kej efoee peelee nw.
9.3
9.4
SerSce Hej cetueeme kee eeJeOeeve m^s ueeFve Heefle mes 20% eefleJe<e&
keer oj mes efkeee peelee nw.
Depreciation on Computers and Software forming

an integral part of Computer Hardware, in and
oustside India is provided on Straight Line Method
at the rate of 33.33% p.a., as per the guidelines
of RBI. Computer software not forming part of an
intergral part of hardware is charged directly to Profit
and Loss Account.
9.5
HeefjJe&veeW Hej cetueeme kee mebHetCe& Je<e& kes efueS HeeJeOeeve efkeee ieee
nw peyeefke efyeeer/efveHeeve kes Je<e& ceW cetueeme kee keesF& HeeJeOeeve veneR
efkeee peelee nw.
9.6
9.4 Depreciation on ATMs is provided on Straight Line

Method at the rate of 20% p.a.
9.5 Depreciation on additions is provided for full year
and no depreciation is provided in the year of sale /
disposal.
Hes Hej Oeeefjle peceerve Deewj hes hej Oeeefjle peceerve hej efkeS ieS efJekeeme
keer ueeiele Hee DeJeefOe ceW egkelee (Sceese&F&pe) keer peeleer nw.
10. DeeefmleeeW kee Devepe&ve

Deeue DeeefmleeeW (Hegvece&tueebefkele DeeefmleeeW meefnle) Hej Devepe&ke neefveeeW (eefo
keesF& nes) kees, DeeefmleeeW kes Devepe&ve kes mebyebOe ceW ee&[& SkeeGvsv Dee@He]
Fbef[ee eje peejer uesKee ceeveke 28 (DeeefmleeeW kee Devepe&ve) kes Devegmeej
efkeee peelee nw leLee Fmes ueeYe neefve Keeles kees eYeeefjle efkeee peelee nw.
11. efJeosMeer cege mebJeJenej
9.6 Cost of leasehold land and leasehold improvements

are amortised over the period of lease.
10
iMPAiRMEnT OF ASSETS
Impairment losses (if any) on Fixed Assets (including
revalued assets) are recognised in accordance with AS 28
(Impairment of Assets) issued by the ICAI and charged off
to Profit and Loss Account.
11
FOREiGn CURREnCY TRAnSACTiOnS:
11.1 efJeosMeer cege efJeefvecee mes mebyebefOele mebJeJenejeW kee uesKeebkeve (efJeosMeer
cege efJeefvecee ojeW kes HeefjJele&ve kee HeYeeJe) mebyebefOele Yeejleere meveoer
uesKeekeej mebmLeeve eje peejer uesKeeceeveke SSme 11 kes DevegHe efkeee
ieee nw.
11.1Accounting for transactions involving foreign

exchange is done in accordance with AS 11, (The
Effects of Changes in Foreign Exchange Rates),
issued by the ICAI.
11.2 uesKee ceeveke - SSme-11 kes Devegmeej yeQke kes efJeosMeer cege HeefjeeueveeW
kees efvecveefueefKele He ceW Jeieeake=le efkeee ieee nQ.
ke) Skeerke=le HeefjeeueveeW SJeb
Ke) He=Leke HeefjeeueveeW kes He ceW Jeieeake=le efkeee ieee nw. meYeer efJeosMeer
MeeKeeDeeW, Dee@HeMeesj yeQekf ebie FkeeFeeW, efJeosMeer Deveg<ebeif eeeW kees He=Leke
Heefjeeueve SJeb efJeosMeer cege ceW Iejsuet heefjeeueveeW SJeb Heelf eefveefOe
keeee&ueeeW kees Skeerke=le Heefjeeueve kes He ceW ceevee peelee nw.
11.3 Skeerke=le HeefjeeueveeW kes mebyebOe ceW DeblejCe :
11.2As stipulated in AS 11, the foreign currency

operations of the Bank are classified as a) Integral
Operations and b) Non Integral Operations. All
Overseas Branches, Offshore Banking Units,
Overseas Subsidiaries are treated as Non Integral
Operations and domestic operations in foreign
exchange and Representative Offices are treated
as Integral Operations.
(ke) mebJeJenejeW kees HeeLeefceke leewj Hej Hes[eF& eje metefele keer ieF&
meeHleeefnke Deewmele ojeW Hej efjkee[& efkeee peelee nw.
(Ke) efJeosMeer cege efJeefvecee mes mebyebeOf ele Deeefmle SJeb oseleeDeeW (Deekeefmceke
oseleeDeeW meefnle) kees Hes[eF& eje Heleske efleceener kes Deble ceW
metefele keer ieF& keueesefpebie mHee@ ojeW Hej Debleefjle efkeee peelee nw.
200
11.3Translation in respect of Integral Operations

a
The transactions are initially recorded on weekly

average rate as advised by FEDAI.
Foreign Currency Assets and Liabilities

(including contingent liabilities) are translated
at the closing spot rates notified by FEDAI at
the end of each quarter.
2012-13
(ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Deee DeLeJee Jee kes He ceW
keer ieF& nw leLee FvnW leovegmeej ueeYe neefve Keeles ceW uesKeebefkele efkeee
ieee nw. efJeosMeer cege Deeefmle oseleeDeeW mebyebOeer efkemeer Yeer Yegieleeve
DeLeJee efjJeme&ue kees efheues meHleen keer Deewmele keueesefpebie ojeW kes
DeeOeej Hej efkeee ieee nw leLee yekeeee jeefMe SJeb Gme jeefMe, efpemekes
efueS Yegieleeve efkeee ieee nw/efjJeme&ue efkeee ieee nw, kes yeere kes
Deblej kees ueeYe neefve Keeles ceW oMee&ee ieee nw.
The resulting exchange differences are

recognized as income or expenses and are
accounted through Profit and Loss Account.
Any reversals / payment of foreign currency
assets and liabilities is done at the weekly
average closing rate of the preceding week and
the difference between the outstanding figure
and the amount for which reversal / payment is
made, is reflected in Profit and Loss Account.
(Ie) Jeeheej nsleg Oeeefjle yekeeee efJeosMeer cege neefp] ej SJeb Jeeeoe mebeJf eoeDeeW
kes legueve he$e keer efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej
SJeb Jeeeoe yeepeej mebefJeoe ojeW SJeb Devleefjce heefjhekeJelee mebefJeoeDeeW
kees Fvjheesues ojeW hej hegve&cetueebefkele efkeee peelee nw. Fmekes
HeuemJehe Jeeeoe cetueebkeve ueeYe DeLeJee neefve kees ueeYe-neefve
Keeles ceW Meeefceue efkeee peelee nw~
Foreign exchange spot and forward contracts

outstanding as at the balance sheet date and
held for trading, are revalued at the closing spot
and forward rates respectively notified by FEDAI
and at interpolated rates for contracts of interim
maturities. The resulting forward valuation
profit or loss is included in the Profit and Loss
Account.
11.4 iewj meceekeefuele HeefjeeueveeW kes mebyebOe ceW DeblejCe :
11.4 Translation in respect of Non Integral Operations
(ke) DeeefmleeeW SJeb oseleeDeeW kees Hes[eF& eje Heleske efleceener kes Deble
ceW DeefOemetefele keer ieF& keueesefpebie mHee ojeW Hej Debleefjle efkeee
ieee nw.
Assets and Liabilities are translated at the

closing spot rates notified by FEDAI at the end
of each quarter.
(Ke) leguevehe$e keer efleefLe kees efJeosMeer cege neefpej SJeb Jeeeoe Deekeefmceke
oseleeDeeW kees Hes[eF& eje DeefOemetefele yebo neefpej Je Jeeeoe
ojeW SJeb Devleefjle heefjhekeJelee mebefJeoeDeeW kees Fvjheesues[ ojeW
hej Debleefjle efkeee peelee nw.
(ie) Deeceoveer SJeb KeeeX kees Hes[eF& eje Heleske efleceener kes Deble ceW
DeefOemetef ele keer ieF& Deewmele efleceener ojeW Hej Debleefjle efkeee ieee nw.
Foreign Exchange Spot and Forwards contingent

liabilities outstanding as at the balance sheet
date are translated at the closing spot and
forward rates respectively notified by FEDAI
maturities.
(Ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Gme DeJeefOe kes efueS Deee
DeLeJee Jee kes He ceW veneR keer peeleer nw leLee Fmes mecye efJeosMeer
MeeKeeDeeW ceW Meg efveJesMeeW kes efvemleejCe nesves leke Deueie mes Ske
Keeles efJeosMeer cege DeblejCe efveefOe ceW jKee peelee nw.
Income and Expense are translated at quarterly

average rate notified by FEDAI at the end of
each quarter.
The resulting exchange differences are not

recognized as income or expense for the period
but accumulated in a separate account Foreign
Currency Translation Reserve till the disposal
of the net investment.
11.5 Jeeeoe efJeefvecee kejej

uesKee ceeveke SSme 11 leLee Yeejleere efJeosMeer cege Jeeheejer mebIe
(Hes[eF&) kes efoMeeefveoxMeeW kes Devegmeej Jeeheej nsleg Oeeefjle yekeeee
efJeosMeer cege neefpej (mhee@) SJeb Jeeeoe mebefJeoeDeeW kees legueve he$e keer
efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej SJeb Jeeeoe yeepeej
mebefJeoeDeeW SJeb Devleefjce heefjhekeJelee mebJeefoDeeW kees Fvjheesues ojeW hej
hegvecet&ueebefkele efkeee peelee nw. Fmekes HeuemJehe Jeeeoe cetueebkeve
ueeYe DeLeJee neefve kees ueeYe-neefve Keeles ceW Meeefceue efkeee peelee nw.
12. Deee Hej kej

FmeceW Yeejleere meveoer uesKeekeej mebmLee (DeeF&meerSDeeF&) kes uesKeebkeve ceeveob[
22 (Deee hej kejeW kee uesKeebkeve) kes Devegmeej efveOee&efjle (mecye DeJeefOe kes
efueS uesKee Deee leLee kej eesie Deee kes yeere efYevvelee mes kejeW kes HeYeeJe kees
oMee&les ngS) Deeekej kes efueS HeeJeOeeve, DeemLeefiele kej DeLeJee esef[ Meeefceue
nQ. DeemLeefiele kej kee Deekeueve Deeceoveer SJeb Kee& keer Gve ceoeW kes mebyebOe
ceW, pees efkemeer Ske DeJeefOe ceW efveOee&efjle nesleer nw Deewj pees Ske DeLeJee DeefOeke
HejJeleea DeJeefOeeeW ceW HeleeJele&ve eesie nQ, kees Oeeve ceW jKekej efkeee peelee nw.
DeemLeefiele kej DeeefmleeeW SJeb oseleeDeeW Hej kej keer ieCevee DeefOeefveeefcele kej
ojeW Hej Gve Je<eeX keer DeHesef#ele ojeW Hej keer peeleer nw efpeve Je<eeX ceW Fvekeer HeeefHle,
11.5 Forward Exchange Contracts

In accordance with the guidelines of FEDAI and the
provisions of AS 11, Foreign exchange spot and
forward contracts outstanding as at the balance sheet
date and held for trading, are revalued at the closing
spot and forward rates respectively notified by FEDAI
maturities. The resulting forward valuation profit or
loss is included in the Profit and Loss Account.
12
TAXES On inCOME
This comprise of provision for Income tax and deferred
tax charge or credit (reflecting the tax effects of timing
differences between accounting income and taxable
income for the period) as determined in accordance with
AS 22 (Accounting for taxes on Income) issued by ICAI.
Deferred tax is recognised subject to consideration of
prudence in respect of items of income and expenses those
arise at one point of time and are capable of reversal in
one or more subsequent periods. Deferred tax assets and
liabilities are measured using enacted tax rates expected
201
2012-13
to apply to taxable income in the years in which the timing

differences are expected to be reversed. The effect on
deferred tax assets and liabilities of a change in tax rates
is recognised in the income statement in the period of
enactment of the change
efjJeme&ue DeLeJee efvemleejCe keer mebYeeJevee nesleer nw. DeemLeefiele kej oseleeDeeW
SJeb DeeefmleeeW Hej kej keer ojeW ceW HeefjJele&ve kes HeYeeJe kees Gme DeJeefOe keer Deee
efJeJejCeer, efpemeceW Ssmes HeefjJele&ve kees DeefOeefveeefcele efkeee ieee nes, ceW efnmeeye
ceW efueee peelee nw.
13. Heefle Mesej Depe&ve
13
yeQke, DeeIeejYetle SJeb [eFuet[s Heelf e FefkeJeer Mesej Depe&ve kees Yeejleere meveoer
uesKeekeej mebmLeeve eje Fme mebyebOe ceW peejer uesKee ceeveke 20 (eefle Mesej Deee)
kes Devegmeej efjHees& kejlee nw. DeeIeejYetle Heelf e Mesej Depe&ve keer ieCevee Meg Deee
kees Gme DeJeefOe kes efueS yekeeee Yeeefjle Deewmele FefkeJeer MesejeW keer mebKee mes
efJeYeeefpele kej keer ieF& nw. [eFuet[s Heelf e Mesej Depe&ve keer ieCevee Meg Deee
kees Gme DeJeefOe kes efueS yekeeee Yeeefjle Deewmele FefkeJeer MesejeW SJeb Gme DeJeefOe kes
oewjeve [eFuetef Je mecYeeJe FefkeJeer MesejeW keer mebKee kes DeeOeej hej keer ieF& nw.
14. HeeJeOeeve, Deekeefmceke oseleeSb Je Deekeefmceke Deeefmleeeb

Yeejleere meveoer uesKekeej mebmLeeve eje Fme mebyebOe ceW peejer uesKee ceeveke 29
(Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes efueS HeeJeOeeve) kes Devegmeej
yeQke eje Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes efueS HeeJeOeeve
kesJeue efJeiele ceW ngF& efkemeer Ievee kes efueS GlHevve ngS Jele&ceeve oeefelJe kes efueS
efkeee peelee nw. en mebYeJe nw efke Fme oeefelJe kes efvemleejCe kes efueS DeeefLe&ke
mebmeeOeveeW keer DeeJeMekelee nes Deewj leye oeefelJe efveJe&nve nsleg Ssmeer jeefMe kee
efJeMJemeveere Deekeueve efkeee pee mekelee nw.
DeeefLe&ke efnle egkele mebmeeOeveeW kes yeefnie&ceve keer mebYeeJevee kes ueieYeie ve nesves
keer efmLeefle leke Deekeeqmceke oseleeDeeW kees eke efkeee peelee nw.
Deekeefmceke DeeefmleeeW kees efJeeere efJeJeefjCeeeW ceW eYeeefjle veneR efkeee peelee nw,
keeeWefke Fmekee heefjCeece Ssmeer Deee kes efveOee&jCe kes he ceW efvekeue mekelee nw
efpemekeer keYeer Jemetueer mebYeJe ve nes.
202
EARninGS PER ShARE

The bank reports basic and diluted earnings per equity
share in accordance with the AS 20 (Earnings Per Share)
issued by the ICAI. Basic earnings per equity share has
been computed by dividing net income by the weighted
average number of equity shares outstanding for the period.
Diluted earnings per equity share has been computed using
the weighted average number of equity shares and dilutive
potential equity shares outstanding during the period.
14
PROViSiOnS, COnTinGEnT
COnTinGEnT ASSETS
LiABiLiTiES
AnD
As per AS 29 (Provisions, Contingent Liabilities and

Contingent Assets) issued by the ICAI, 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
obligation and when a reliable estimate of the amount of
the obligation can be made.
Contingent liability is disclosed unless the possibility of an
outflow of resouces embodying economic benefit is remote.
Contingent Assets are not recognised in the financial
statements since this may result in the recognition of
income that may never be realised.
2012-13
Devegmeteer-18 uesKeeW hej efhheefCeeeb
Schedule -18 notes on accounts

ke.
Yeejleere efj]peJe& yeQke keer Dehes#eeDeeW kes Devegmeej ekeerkejCe
A.
Disclosure in terms of RBI requirements
ke-1.
hetbpeer
A-1.
Capital
efJeJejCe
Particulars
meer Deej S Deej (%) yeemesue-II
efheuee Je<e&
Previous Year
i) CRAR % Basel-II
13.30 %
14.67 %
ii) meer Deej S Deej efej I hetbpeer (%)

yeemesue-II
ii) CRAR - Tier l Capital (%)

Basel-II
10.13 %
10.83 %
iii) meer Deej S Deej efej II hetbpeer (%)

yeemesue-II
iii) CRAR Tier ll Capital (%)

Basel-II
3.17 %
3.84 %
iv) yeQke ceW Yeejle mejkeej keer
iv) Percentage of the shareholding

of the Government of India
55.41 %
54.31 %
v) efej-II hetbpeer kes Devegmeej meyeDee@e|[ves
v) Amount of subordinated debt

raised as Tier-II Capital
vi) DeeF&heer[erDeeF& efveie&efcele kej eehle jeefMe
vi) Amount raised by issue of IPDI
vii) Dehej efej II efueKeleeW kees efveie&efcele kej
vii) Amount raised by issue of Upper

Tier II instruments
i)
MesejOeeefjlee kee eefleMele
$e+Ce keer jeefMe
eehle jeefMe
2.
eeuet Je<e&
Current Year
A-2.
efveJesMe
Particulars
efJeJejCe
(1) efveJesMeeW kee cetue
(i)
(ii)
Investments
efveJesMeeW kee mekeue cetue
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
1,17,537.50
79,818.80
4,775.37
4,094.49
(1) Value of Investments

(i) Gross Value of Investments
(ke) Yeejle ceW
(a) In India
(Ke) Yeejle mes yeenj
(b) Outside India,
cetueeme kes efueS eeJeOeeve
( ` kejes[ ceW / ` in Crores)
(ii) Provisions for Depreciation
(ke) Yeejle ceW
(a) In India
777.92
553.80
(b) Outside India,
141.22
150.08
1,16,759.58
79,265.00
4,634.15
3,944.41
(i) Opening balance
703.88
480.17
(ii) Add: Provisions made during the

year
314.48
343.55
(iii) IeeSb : Je<e& kes oewjeve Deefleefje eeJeOeeveeW kee

yedekejCe/hegvejebkeve
(iii) Less: Write-off / write-back of

excess provisions during the year
99.22
119.84
(iv) Debeflece Mes<e
(iv) Closing balance
919.14
703.88
(iii) efveJesMeeW kee efveJeue cetue
(iii) Net Value of Investments
(ke) Yeejle ceW
(a) In India
(b) Outside India.
(2) efveJesMeeW hej cetueeme kes efueS Oeeefjle

eeJeOeeveeW kee mebeueve
(i)
eejefcYeke Mes<e
(ii)
pees[W : Je<e& kes oewjeve efkeS ieS eeJeOeeve
(2) Movement of provisions held towards

depreciation on investments
203

2.1
2012-13
A-2.1 Repo Transactions (in face value terms)
efjhees mebJeJenej (Debefkele cetue ceW)

Je<e& kes oewjeve
Je<e& kes oewjeve
Je<e& kes oewjeve owefveke 31 ceee& 2013 kees
yekeeee Mes<e
vetvelece yekeeee Mes<e DeefOekelece yekeeee Mes<e Deewmele yekeeee Mes<e
Particulars
efJeJejCe
Outstanding
Minimum
Maximum
Daily Average
as on
outstanding
outstanding
outstanding
during the year during the year during the year 31st March 2013
efjhees kes lenle yeseer ieF& eefleYetefleeeb

(i) mejkeejer eefleYetefleeeb
(ii) keeheexjs $e+Ce eefleYetefleeeb
efjJeme& efjhees kes lenle Kejeroer ieF&
eefleYetefleeeb
Securities sold under repo
(i) mejkeejer eefleYetefleeeb

(ii) keeheexjs $e+Ce eefleYetefleeeb
i. Government securities
i. Government securities
339.68
7,970.68
110.17
0.00
ii. Corporate debt securities
548.00
841.00
0.00
570.00
215.00
22,917.55
2,507.23
7,875.00
0.00
0.00
0.00
0.00
Securities purchased under

reverse repo
ii. Corporate debt securities
A-2.2 Non-SLR Investment Portfolio

i)
Issuer composition of Non SLR investments
ke-2.2 iewj Sme Sue Deej efveJesMe hees&Heesefueees

i)
iewj Sme Sue Deej efveJesMeeW kes peejerkelee& Ieke
meb.
No.
peejerkelee&
(1)
(i)
heerSmeet
(ii) SHeDeeF&
(iii) yeQke
(iv) efvepeer efveiece
(v) Deveg<ebefieeeb /
mebegkele Gece
(vi) Deve
(vii) cetueeme nsleg
Oeeefjle eeJeOeeve
kegue
ii)
jeefMe
Issuer
Amount
efvepeer huesmeceW
keer meercee
Extent of
Private
Placement
efveJesMe es[ kes veeres

keer eefleYetefleeeW
keer meercee
Devejss[
eefleYetefleeeW
keer meercee
Demeteerye
eefleYetefleeeW
keer meercee
(2)
PSUs
(3)
1,230.08
(4)
354.61
Extent of Below
Investment
Grade Securities
(5)
0.00
FIs
1,010.03
936.08
71.14
Banks
7,957.23
1,159.51
374.82
41.39
48.15
Private Corporate
2,419.54
1,010.14
738.40
341.07
104.82
Subsidiaries/ Joint
Ventures
1,569.54
1,569.54
0.00
0.00
0.00
Others
5,916.67
522.38
980.32
54.29
54.29
-919.14
0.00
0.00
0.00
0.00
19,183.95
5,552.26
2,164.68
436.75
391.76
Provision held towards

depreciation
Total
ii)
Devepe&ke iewj-SmeSueDeej efveJesMe
Extent of
Unrated
Securities
(6)
0.00
Extent of
Unlisted
Securities
(7)
113.36
0.00
71.14
Non-performing Non-SLR investments
efJeJejCe
Particulars
eejbefYeke Mes<e
Opening balance
Je<e& kes oewjeve heefjJeOe&ve
eeuet Je<e&
efheuee Je<e&
Current year
Previous year
339.55
250.70
93.39
77.79
Ghejese DeJeefOe kes oewjeve keewefleeeb
Reductions during the year
27.69
-11.06
Debeflece Mes<e
Closing balance
405.25
339.55
kegue Oeeefjle eeJeOeeve
Total provisions held
303.57
290.98
204

ke-2.3.
Je<e& kes oewjeve efyeeer/

DeblejCe
Opening Bal. of investment

(HTM) 01.04.2012
HeefjJe&ve
efveJesMeeW kee meceeefHle

Mes<e 31.03.2013
Addition
efveJesMe (SeerSce) esCeer kee yee]peej

cetue 31.03.2013
Closing Bal. of
Investment
(HTM) 31.03.13
Sale/ transfer during

the year
ke-2.4.
A-2.3 Sale of Investment held under Held to Maturity (HTM)

Category in excess of 5% of the Book value of the
investment held in HTM category at the beginning of
the year
Je<e& kes heejbYe ceW SeerSce esCeer ceW jKes ieS efveJesMeeW kes yener-cetue kes
5% mes Deefleefje kes SeerSce ceW jKes ieS efveJesMeeW keer efyeeer
efveJesMe kee DeejbefYeke Mes<e (SeerSce)

01.04.2012
Market value of investment

(HTM) category 31.03.13
-
A-2.4 SLR investments
SmeSueDeej efveJesMe
Particulars
efJeJejCe
2012-13
eeuet Je<e&
yener cetue
ceekex cetue
efheuee Je<e&
yener cetue
ceekex cetue
Current Year
Previous Year
Book Value Market Value Book Value Market Value
mejkeejer eefleYetefleeeb
SmeSueDeej (meerpeer, Smepeer Je eryeer)*
Govt. sec SLR(CG,SG,&TB) *
Devegceesefole eefleYetefleeeb SmeSueDeej
Approved sec-SLR
*FmeceW meermeerDeeF&Sue/ScemeerSkeme/etSmeF&/SveSmeF& kes Heeme jKeer SmeSueDeej

eefleYetefleeeb Meeefceue nQ.
ke-2.5. SmepeerSue HeeceeX kes ueeweS peeves Hej ueieeS ieS ob[ kee ekeerkejCe
meceeHle Je<e&
ke-2.6
ke-2.6.1
Date of bouncing SGL form
2013
2012
efJeJejCe
69,207.34
69,207.34
133.23
133.23
163.26
163.26
A-2.5 Disclosure on imposition of penalty for bouncing

of SGL forms
jeefMe
efHHeCeer
Amount
A-2.6
[sjerJesefJme
HeejJe[& oj mecePeewles / yeepe oj mJewhe
1,02,076.7
* incl. SLR Securities kept with CCIL/ MCX / USE / NSE
SmepeerSue He@ece& ueeweves keer leejerKe
Year ended
1,02,076.7
Remarks
-
Derivatives
A-2.6.1 Forward Rate Agreement / interest Rate Swap

Particulars
eeuet Je<e&
efheuee Je<e&
Current year
Previous year
21,009.52
17,477.59
i)
mJewhe mecePeewles keer keefuhele cetue jeefMe
The notional principal of swap agreements
ii)
mecePeewles kes lenle Deheveer eefleyeleeDeeW kees keeGbj

heeea eje hetje ve kejves hej nesves Jeeueer neefve
Losses which would be incurred if counterparties

failed to fulfill their obligations under the
agreements
258.52
179.62
iii)
mJewhe ceW Deeves hej yeQke kes efueS Dehesef#ele keesuewjue
Collateral required by the bank upon entering

into swaps
iv) mJewhe mes GlheVe $e+Ce peesefKece kee mebkeWCe
Concentration of credit risk arising from the swaps
979.59
977.85
v)
The fair value of the swap book
692.50
732.07
mJewhe yener kee Gefele cetue
205
2012-13
A-2.6.2 Exchange Traded Interest Rate Derivatives

ke-2.6.2 SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme :
meb. e.
Sr. No.
(i)
efJeJejCe
Particulars
jeefMe
Amount
Je<e& kes oewjeve SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme keer Notional principal amount of exchange
traded interest rate derivatives undertaken
veesMeveue eEheefmeheue jeefMe (efueKeleJeej)
during the year (instrument-wise)
A. yeepe oj Heetej (DeeF&DeejSHe)
A. Interest Rate Future (IRF)
(ii)
(iii)
(iv)
Je<e& kes oewjeve SkemeeWpe ^s[s[ yeepe oj [sjerJesefJme

keer 31 ceee&, 2013 kes Devegmeej (efueKeleJeej) yekeeee
veesMeveue eEheefmeheue jeefMe
Notional principal amount of exchange

traded interest rate derivatives outstanding
as on 31st March 2013
veesMeveue efebefmeheue jeefMe Je<e& kes oewjeve SkemeWpe ^s[s[

yeepe oj [sjerJesefJme keer yekeeee veesMeveue efebefmeheue
jeefMe ``DeleefOeke eYeeJeer'' veneR (efueKeleJeej)
Notional principal amount of exchange

traded interest rate derivatives outstanding
and not "highly effective" (instrument-wise)
(instrument-wise)
SkemeeWpe ^s[s[ yeepe oj keer ceeke&-t-ceekex

keercele [sjerJesefJme yekeeee Deewj DeleefOeke eYeeJeer
veneR (efueKeleJeej)
Mark-to-market value of exchange traded

interest rate derivatives outstanding and not
"highly effective" (instrument-wise)
ke-2.6.3 [sjerJesefJme ceW peesefKece SkemeHeespej kee HekeerkejCe
A-2.6.3 Disclosures on risk exposure in derivatives
(i) iegCeelceke HekeerkejCe
(i) Qualitative Disclosure
yeQke keer ^spejer veerefle ceW [sjerJesefJme uesve osveeW kes keee& kes efueS meYeer Hekeej keer
efJeeere [sjerJesefJme efueKeleeW kes Hekeej, efJemleej SJeb GHeeesie, Devegceesove Heefeee leLee
DeesHeve HeespeerMeve efueefce, meHe uee@me efueefce leLee keeGvj Heeea SkemeHeespej efueefce
pewmeer meerceeSb efveOee&efjle keer ieF& nQ.
The Treasury Policy of the bank lays down the types of financial
derivative instruments, scope of usages, approval procedures
and the limits like open position limits, stop loss limits and
counter party exposure limits for undertaking derivative
transactions.
yeQke Deheves legueve he$e ceW oMee&S ieS DeLeJee oMee&S ve ieS peesefKeceeW keer nseEpeie kes
efueS leLee yee]peej DeeOeej leweej kejves kes efueS efJeeere [sjerJesefJme uesve osveeW kee
Gheeesie kejlee nw, cetuele: es Glheeo, peesefKece kes heefle yeeeJe JeJemLee, ueeiele kece
kejves leLee Ssmes uesve osveeW ceW heefleHeue ye{eves kes SJeb heeshejeFjer ^seE[ie kes efueS
Gheeesie ceW ueeS peeles nQ.
The Bank uses financial derivative transactions for hedging,

its on or off balance sheet exposures as well as for market
making. Basically, these products are used for hedging risk,
reducing cost and increasing the yield in such transactions and
for proprietary trading.
yeQke kees efpeve peesefKeceeW kee Keleje jnlee nw, Jes nQ : $e+Ce peesefKece, yeepeej peeseKf ece,
osMeere peesefKece Deewj Heefjeeueve peesefKece. yeQke keer cetue peesefKece, peesefKece HeyebOeve
veerefleeeb (yeQke kes efveosMeke ceb[ue eje Devegceesefole) nQ, pees SceerSce, (JeerSDeej)
leLee HeerJeer01 kes ceeOece mes efveeefcele DeeOeej hej Jeeheej yener ceW uesve osveeW keer
efJeeere peesefKeceeW kes Deekeueve leLee Gefele peesefKece meerceeSb lee kejves kes efueS
leweej keer ieF& nQ. Fvekees yeQke kes peesefKece HeyebOeve efJeYeeie eje mecee-mecee Hej
efJeMJemeveere SJeb Deeleve HeyebOeve metevee HeCeeefueeeW eje cee@veerj efkeee peelee nw
leLee Fme yeejs ceW yeQke kes DeOe#e SJeb HeyebOe efveosMeke keer DeOe#elee Jeeueer efveosMekeeW
keer peesefKece HeyebOeve meefceefle kees DeJeiele kejeee peelee nw.
The types of risk to which the bank is exposed to are credit risk,
market risk, country risk and operational risk, The Bank has
risk management policies (approved by Board of Directors of
the Bank), which is designed to measure the financial risks for
transactions in the trading book on a regular basis, by way of
MTM, VaR and PV01, and to set appropriate risk limits. These
are monitored by means of reliable and up to date Management
Information Systems by the Risk Management Department
of the Bank from time to time who, in turn, appraises the risk
profile to the Risk management Committee of Directors, which is
presided over by the Banks Chairman and Managing Director.
uesveosveeW keer keeGbj Heeef&eeb, yeQke leLee keeHeexjs Heefle<"eve nQ. Devegceesefole
SkemeHeespej meerceeDeeW kes Debleie&le JeJenej efkeS peeles nQ. [sjerJesefJme GlHeeoeW
Hej $e+Ce peesefKece Deekeefuele kejves kes efueS yeQke ves Yeejleere efj]peJe& yeQke eje
efveOee&efjle ceewpetoe SkemeHeespej Heefle kees DeHeveeee nw, efpemekes Devegmeej yeQke
kegue HeeflemLeeHeve ueeiele kee eesie, (meYeer mebefJeoeDeeW kees mekeejelceke cetue
meefnle ceeke&-g-ceekex eje HeeHle kejves DeLee&led peye yeQke kees keeGbj Heeea mes
The counter parties to the transactions are banks and corporate

entities. The deals are done under approved exposure limits.
The bank has adopted the current exposure method prescribed
by Reserve Bank of India for measuring Credit Exposure on
Derivative products as per which the bank sums the total
replacement cost (obtained by mark to market of all its contracts
with positive value i.e. when the bank has to receive money from
206

Oeve HeeHle kejvee nw) leLee $e+Ce peesefKece ceW YeefJe<e ceW nesves Jeeues mebYeeJe
HeefjJele&veeW keer jeefMe, efpemekeer ieCevee mebefJeoe keer kegue keefuHele cetue jeefMe Mes<e
HeefjHekeJelee kes Devegmeej mebyebefOele $e+Ce heeblejCe IekeeW kes meeLe iegCee kejkes
Heefjkeefuele keer peeleer nw, efvecveevegmeej nw :keefuHele cetue jeefMe Hej ueeiet efkeee peeves Jeeuee HeeblejCe Ieke
DeJeefMe heefjhekeJelee
Residual Maturity
Ske Je<e& mes kece
2012-13
the counter party) and an amount for potential future changes

in credit exposure calculated on the basis of the total notional
principal amount of the contract multiplied by the relevant
credit conversion factors according to the residual maturity as
detailed herein under:Conversion factor to be applied on notional principal amount
yeepe oj mebefJeoe
efJeefvecee oj mebefJeoe
Interest Rate Contract
Exchange Rate Contract
Less than one year
0.50%
2.00%
Ske Je<e& Deewj DeefOeke
One year and above
1.00%
10.00%
heebe Je<e& mes DeefOeke
Over five years
3.00%
15.00%
nspe leLee iewj-nspe (ceekex cesefkebie) uesve osveeW kees Deueie mes ope& efkeee peelee nw.
nwefpebie [sefjJesefJme Gheee DeeOeej Hej efnmeeye ceW efueS peeles nQ. ^sef[bie [sefjJesefJme
HeesefpeMeve (SceerSce) kees ceeke& keer peeleer nw Deewj HeefjCeecemJeHe ueeYe-neefve Keeles
ceW eefo keesF& neefve nes, efnmeeye ceW ueer peeleer nw. ueeYe, eefo keesF& nes, veneR ceevee
peelee nw. yeepe oj mJewHme mes mebyebefOele yeepe Deewj Jee efveHeeve keer leejerKe Hej
efnmeeye ceW efueS peeles nQ. ^sef[bie mJewHe kes meceeHle nesves Hej ueeYe /neefve meceeefHle keer
leejerKe Hej Deee /Jee kes he ceW ope& efkeS peeles nQ.
(ii) cee$eelceke HekeerkejCe
meb. e. efJeJejCe
The hedge/non-hedge (market making) transactions are

recorded separately. Hedging derivatives are accounted for on
an accrual basis. Trading derivative positions are marked-tomarket (MTM) and the resulting losses, if any, are recognized
in the Profit and Loss Account. Profit, if any is not recognized.
Income and Expenditure relating to interest rate swaps are
recognized on the settlement date. Gains/losses on termination
of the trading swaps are recorded on the termination date as
income/expenditure.
(ii) Quantitative Disclosures
Particulars
Sr. No.
kejWmeer [sefjJesefJme
yeepe oj [sefjJesefJme
Currency
Derivatives
Interest rate
Derivatives
[sefjJesefJme (keefuhele cetue jeefMe)
Derivatives (Notional Principal Amount)
872.87
20,158.65
ke) nweEpeie kes efueS
a) For hedging
850.87
8,850.52
Ke) ^seE[ie kes efueS
b) For trading
22.00
11,308.13
ceeke&[ t ceekex heesefpeMeve (1)
Marked to Market Positions
66.53
626.03
ke) Deeefmleeeb (+)
a)
Asset (+)
76.11
682.88
Ke) oseleeSb (-)
b)
Liability (-)
-9.58
-56.85
(iii)
$e+Ce peesefKece (2)
Credit Exposure
127.99
946.54
(iv)
yeepe oj ceW Ske eefleMele nesves Jeeues heefjJele&ve

kee mebYeeefJele eYeeJe (100*heerJeer 01)
Likely impact of one percentage change

in interest rate (100*PV01)
0.21
407.56
ke) nweEpeie [sefjJesefJme hej
a)
On hedging derivatives
0.18
222.21
Ke) ^seE[ie [sefjJesefJme hej
b)
On trading derivatives
0.03
185.35
Je<e& kes oewjeve heeS ieS

vetvelece leLee DeefOekelece 100*heerJeer01
Maximum and Minimum of

100*PV01 observed during the year
4.85 & 0.21
472.35 & 389.64
ke) nweEpeie hej
a) On hedging
4.25 & 0.18
282.48 & 222.00
Ke) ^seE[ie hej
b) On trading
0.6029 & 0.0320
189.87 & 167.64
(i)
(ii)
(v)
ke-2.6.4 $e+Ce etke mJewh e (meer[ erS me)

meer[erSme hej Yeejleere efj]peJe& yeQke kes efoveebke 23.05.2011 kes efoMee-efveoxMeeW
kes Devegmeej yeQkeeW kees Deheveer meer[erSme mebefJeoeDees kes cetueebkeve nsleg efHec[e eje
hekeeefMele owefveke meer[erSme keJe& DeLeJee Fmemes DeefOeke mebjef#ele cetueebkeve nesves hej
efkemeer Deve mJeeefcelJe cee@[ue kee Gheeesie kejvee DeeJeMeke nw. Deheveer meer[erSme
eqmLeefleeeW kes cetueebkeve kes efueS nceeje yeQke efHec[e keJe& kee ner Gheeesie kejlee
nw, meer[erSme cetueebkeve kes efueS yeQke efkemeer Deebleefjke mJeeefcelJe cee@[ue kee Gheeesie
veneR kejlee nw.
A.2.6.4 Credit Default Swaps (CDS)
As per RBI guidelines on CDS dated 23rd May, 2011 the Banks
are required to value their CDS contracts by using daily CDS
curve published by FIMMDA or any other proprietary model
if it results in a more conservative valuation. Our Bank uses
the FIMMDA curve for valuing our CDS positions, Bank does
not use any internal proprietary model for CDS valuation.
207

ke-2.7
2012-13
A-2.7
Deeefmle iegCeJeee
Asset Quality
A-2.7.1 Non Performing Assets
ke-2.7.1 iewj efve<heeoke Deeefmleeeb

ke.
iewj efve<heeoke DeeefmleeeW kee mebeueve
A. Movement of NPAs
eeuet Je<e&
Gross NPAs as on 1st April 2012

(Opening Balance)
4,464.75
3,152.50
Je<e& kes oewjeve peg[s (veS SveheerS)
Additions (Fresh NPAs) during the year
6,843.80
3,443.31
Ghe pees[ (ke)
Sub-Total (A)
11,308.55
6,595.81
IeeSb :
Less : 340.93
335.55
625.57
580.46
(i)
Up-gradations
(i)
Dehees[sMeve
(ii)
Jemetefueeeb (Dehees[ efkeS ieS KeeleeW (ii) Recoveries (excluding recoveries

made from upgraded accounts)
mes ngF& JemetefueeeW kees es[kej)
(iii)
yes Keeles [eueer ieF& jeefMe
(iii) Write-offs
2,359.47
1,215.05
Ghe pees[ (Ke)
Sub-total (B)
3,325.97
2,131.06
7,982.58
4,464.75
B)
iewj efve<heeoke Deeefmleeeb
Non-Performing Assets
efJeJejCe
Particulars
(i)
Meg DeefeceeW ceW Meg SveheerS (%)
Net NPAs to Net Advances (%)
(ii)
SveheerS kee mebeueve (mekeue)
Movement of NPAs (Gross)
(ke)
eejbefYeke Mes<e
(a)
(Ke)
Je<e& kes oewjeve pees[s ieS
(ie)
(Ie)
(iii)
(iv)
208
Previous Year
1 Dehewue, 2012 kees mekeue SveheerS

(heejbefYeke Mes<e)
31 ceee&, 2013 kes mekeue SveheerS Gross NPAs as on 31st March 2013 (closing
balance) (A-B)
(Debeflece Mes<e) (ke-Ke)
Ke)
efheuee Je<e&
Current Year
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
1.28
0.54
Opening balance
4,464.75
3,152.50
(b)
6,843.80
3,443.31
Je<e& kes oewjeve IeeS ieS
(c)
3,325.97
2,131.06
Debeflece Mes<e
(d)
Closing balance
7,982.58
4,464.75
Meg SveheerS kee mebeueve
Movement of Net NPAs
(ke)
eejbefYeke Mes<e
(a)
Opening balance
1,543.64
790.88
(Ke)
(b)
3,854.28
1,988.72
(ie)
Je<e& kes oewjeve IeeS ieS
(c)
1,205.89
1,235.96
(Ie)
Debeflece Mes<e
(d)
Closing balance
4,192.03
1,543.64
Movement of provisions for NPAs

SveheerS nsleg eeJeOeeve kee mebeueve
(ceeveke DeeefmleeeW hej eeJeOeeve kees es[kej) (excluding provisions on standard assets)
(ke)
eejbefYeke Mes<e
(a)
Opening balance
2,921.11
2,361.62
(Ke)
(b)
Provisions made during the year
2,989.52
1,836.42
(ie)
DeeefOekee eeJeOeeveeW kees yes Keeles

[euevee/hegveefnmeeye ceW uesvee
(c)
Write-off/ write-back of
excess provisions
2,120.08
1,276.93
(Ie)
Debeflece Mes<e
(d)
Closing balance
3,790.55
2,921.11

ie)
C)
#es$eJeej SveheerS
eceebke #es$e
2012-13
Sector-wise NPAs
Sector
#es$e ceW kegue DeefeceeW ceW SveheerS kee eefleMele
Sl.
No.
Percentage of NPAs to Total

Advances in that sector
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
ke=ef<e SJeb mecye ieefleefJeefOeeeb
Agriculture & allied activities
4.91
3.99
Geesie (ceeFees SJeb ueIeg, ceOece SJeb ye[s)
Industry (Micro & small, Medium and Large)
3.31
1.12
mesJeeSb
Services
5.27
2.72
Jeefeiele $e+Ce
Personal Loans
6.87
3.66
Ie)
efJeosMeer Deeefmleeeb, SveheerS leLee jepemJe
D)
eqJeJejCe
Particulars
kegue Deeefmleeeb
Total Assets
kegue Sve heer S

kegue jepemJe
Overseas Assets, NPAs and Revenue

eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
16,5731.12
12,7861.71
Total NPAs
1,431.76
582.92
Total Revenue
4,950.58
4,032.74
209
210
01 Deheuw e 2012 kees hegveie&e"f le Keeles

$e+Cekelee&DeeW keer mebKee
Restructred Accounts as on No. of borrowers
April 01, 2012
yekeeee jeefMe
Amount outstanding
Gmehej heeJeOeeve
Provision thereon
Je<e& kes oewjeve veJeerve hegveie&"ve
Fresh Restructuring during No. of borrowers
the year
yekeeee jeefMe
Amount outstanding
Gmehej heeJeOeeve
Provision thereon
efJee Je<e& 2012-13 kes oewjeve hegveie&e"f le ceeveke $e+Cekelee&DeeW keer mebKee
No. of borrowers
esCeer ceW Deheie[s Ms eve
Upgradation to restructured yekeeee jeefMe
standard category during the Amount outstanding
FY 2012-13
Gmehej heeJeOeeve
Provision thereon
hegveie&e"f le ceeveke Deefiece efpememes Ge $e+Cekelee&DeeW keer mebKee
heeJeOeeveerkejCe Deewj/ee efJee Je<e& kes Deble ceW No. of borrowers
Deefleefje peeseKf ece Yeej meceeheve Deewj Deieues yekeeee jeefMe
efJee Je<e& kes heejcYe ceW hegveie&e"f le ceeveke Deefiece kes Amount outstanding
he ceW efoKeevee DeeJeMeke veneR nw.
Restructred
standard Gmehej heeJeOeeve
advances which ceased to Provision thereon
attract higher provisioning
and / or additional risk weight
at the end of the FY and
hence need not be shown
as restructured standard
advances at the beginning of
the next FY
efJee Je<e& kes oewjve hegveie&e"f le KeeleeW kee $e+Cekelee&DeeW keer mebKee
No. of borrowers
[eGveie[s Ms eve
Downgradation
of yekeeee jeefMe
restructured accounts during Amount outstanding
the FY
Gmehej heeJeOeeve
Provision thereon
efJee Je<e& 2012-13 kes oewjeve ye@ Keeles ceW [eues $e+Cekelee&DeeW keer mebKee
No. of borrowers
ieS hegveie&e"f le Keeles
Write off of restructured yekeeee jeefMe
accounts during the FY 2012- Amount outstanding
13
Gmehej heeJeOeeve
Provision thereon
31 ceee& 2013 kees hegveie&e"f le Keeles
Restructured accounts as on No. of borrowers
March 31, 2013
yekeeee jeefMe
Amount outstanding
Gmehej heeJeOeeve
Provision thereon
hegveie&"ve kes hekeej Type of Restructuring

ece
Deeeqmle JeieeakejCe Assets Classification
mebKee
S. efJeJejCe Details
No.
ke-2.7.2 hegveie&ef"le KeeleeW kee efJeJejCe
0.00
0.00
5
506.57
56.27
-3
-380.89
-43.05
0
0.00
0.00
1
110.29
9.33
0
0.00
0.00
3
236.07
22.55
279.23
22
1593.65
126.33
3
380.89
43.05
-4
-181.90
-2.53
-3
-294.55
-16.60
-2
-119.64
-9.17
42
3889.65
414.85
31
kegue
ceeveke
Total Standard
27
300.69
-4
0.00
0.00
182.60
-2
0.00
0.00
-2.53
52
-9.17
868
-0.04
-132.15
-310
-3.19
-304.06
-338
-3.13
-375.01
-79
0.00
2.72
16
11.05
950.61
743
25.69
16.86 0.00
454.26
27.31
395.79 24.37 4545.88 1959.28
0.00 0.00
0.00 0.00 -119.64
7.27 0.00
159.89 24.37
0.00 0.00
0.00 0.00 -181.90
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00 2100.22
21.46 0.00
1.38
388.98
308
0.00
-2.24
-42
0.34
178.82
89
0.00
0.00
0.00
-2.72
-16
0.02
52.19
44
1.35
162.29
131
neefve
Loss
2021
796
30.80
-79
0.00
0.00
11.11
-848
1.07
29.72
156
270.78
-43
0.00
0.47
0.00
94
0.00
-1258
-14.32
-529
0.00
2209
-0.11
19805
-2.01
-599.94
-2694
-7.95
0.00 -1455.03
-3.13
0.00 -375.01 -1708.63
0.00
0.00
0.00
1872
0.00
4.86
0.00
33.55
314.74
8.74
654
neefve
Loss
13266
-541
4.69
676.27
525
0.00
0.00
0.00
-18.43
-2
10.86
475.64
349
7.86
-931
44.12
790
0.00
-173
57.42
-1599
-19.98
633
0.00
0.00
-44.12
769
0.00
0.00
0.00
-18.43
-2
10.90
-3758
0.00
27084
-2.01
20715
-11.22
-851.73
-3006
-27.74
-675
14.81
2183
0.00
5562
-0.07
-10.56 -919.78
-511
12.93
0.00 -2053.64 1061.76 960.93
-14.32
-0.67 -1472.35
-54
0.00
6.11
190
0.00
358
33.08
615.52 496.07
664
7.38
413.33 -394.90
175
408.16
7394.48
18225
349.80
15318
kegue
Total
19247
390.26
-931
0.00
0.00
476.48
-4289
0.00
0.00
-19.98
885
0.00
29345
-11.29
-1.73 -1783.80
-97
0.00
30.95
197
0.00
0.00 -2265.54
0.00
0.00
0.00
0.00 8506.07
0.00
355.41 954.28 202.46 17455.67
785
neefve
Loss
20.35
0.00
343.83
756.90
32.67
42.07
0.00
831.64
679.81 184.04 15280.27 19261.83 1628.57 1495.27 231.68 22617.35
4617
0.00
-848
0.00
0.00
282.77
5382.62
18424
58.77
0.00 -1708.63 -2265.54
0.00
0.00
0.00
0.00
0.00
kegue
Total
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
7851
1570
5112
kegue
ceeveke
Total Standard
388.20 178.60 12327.31 15943.52
-8.32 -863.42
-469
3.26
772.65
543
0.00
0.00
-1.07
-11.29
-154
1.13
56.76
615
6.03
193.12
419.67 23.27 2791.20 13412.90 1003.52
939
-0.07
17460
44.88
0.00 1023.23 4850.22
0.00
-56.36 -1.06 -191.81
-134
2.85
124.77
243
0.00
0.00
0.00
0.00
0.04
20.43
3.76
Deve
Others
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
6989
1337
4286
kegue
ceeveke
Total Standard
330.18 23.86 2436.18 11567.39
meeqvoiOe
DeJeceeveke
Sub- Doubtful
standard
836
233
821
Sme Sce F& $e+Ce hegvee|veOeejCe keee&heCeeueer kes DeOeerve

Under SME Debt Restructuring Mechanism
235.90 0.00 2692.18 1919.85
meeqvoiOe
neefve
DeJeceeveke
Sub- Doubtful Loss
standard
0
5
0
2456.28
26
ceeveke
Standard
meer [er Deej keee&heCeeueer kes DeOeerve

Under CDR Mechanisam
A- 2.7.2 Disclosure of Restructured Accounts

2012-13

ke- 2.7.3 eefleYeteflekejCe/hegveie&"ve kecheveer DeLeJee Deeefmle hegveie&"ve kes efueS yeseer
ieF& efJeeere DeeefmleeeW kee efJeJejCe
A-2.7.3 Details of financial assets sold to Securitization/

Reconstruction Company or Asset Reconstruction
Particulars
efJeJejCe
2012-13
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
(i) KeeleeW keer mebKee
No. of accounts
(ii) Smemeer/Deejmeer kees yeses ieS KeeleeW keer
Aggregate value (net of provisions) of

accounts sold to SC / R C
(iii) kegue eefleHeue
Aggregate consideration
6.52
(iv) DeejbefYeke Je<eeX ceW Debleefjle KeeleeW kes mebyebOe ceW
Additional consideration realized in respect

of accounts transferred in earlier years
Aggregate gain/loss over net book value
6.52
kegue keercele (eeJeOeeveeW kee ves)
Jemetuee ieee Deefleefje eefleHeue

(v) Meg yener keercele hej kegue ueeYe / neefve
ke-2.7.4 Kejeroer ieF& / yeseer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kee efJeJejCe
ke.
A.
Kejeroer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kes efJeJejCe :
efJeJejCe
1.
A-2.7.4 Details of non-performing financial assets purchased/sold

Details of
purchased:
Particulars
Ke.
financial
assets
(` kejes[ ceW / ` in Crores)
eeuet Je<e&
efheuee Je<e&
Current Year
-
Previous Year
-
(a) Of these, number of accounts

restructured during the year
(b) Aggregate outstanding
ke. Je<e& kes oewjeve Kejeros ieS KeeleeW keer mebKee (a) No. of accounts purchased during the
Ke. mecee yekeeee

2. ke. FveceW mes Je<e& kes oewjeve hegveie&ef"le KeeleeW
keer mebKee
Ke. mekeue yekeeee
non-performing
year
(b) Aggregate outstanding
B.
yeseer ieF& iewj efve<heeoke efJeeere DeeefmleeeW kee efJeJejCe :
Details of non-performing financial assets sold:

efJeJejCe
Particulars
1.
yeses ieS KeeleeW keer mebKee
2.
3.
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
No. of accounts sold
mecee yekeeee
Aggregate outstanding
68.33
mecee eefleHeue eeefhle
Aggregate consideration received
6.52
A-2.7.5 Provisions on Standard Asset

ke-2.7.5 ceeveke DeeefmleeeW hej eeJeOeeve

efJeJejCe
Particulars
DeejyeerDeeF& ceeveoC[eW kes Devegmeej ceeveke DeeefmleeeW kes

efueS eeJeOeeve
Provisions towards Standard Assets as

per RBI norms
eeuet Je<e&
Current Year
1,820.38
efheuee Je<e&
Previous Year
1,390.06
211
2012-13
ke-2.7.6 peceeDeeW, DeefeceeW, Skemehees]pej leLee SveheerS kee kesverkejCe
ke) peceeDeeW kee kesverkejCe
A-2.7.6 Concentration of Deposits, Advances, Exposures and

NPAs
a)
Concentration of Deposits
eeuet Je<e&
efheuee Je<e&
Current Year
Previous Year
yeerme meyemes ye[s peceekelee&DeeW keer kegue peceeSb
Total Deposits of twenty largest depositors
49,049.33
36,576.98
yeQke keer kegue peceeDeeW ceW yeerme meyemes ye[s peceekelee&DeeW keer
peceeDeeW kee eefleMele
Percentage of Deposits of twenty largest

depositors to Total Deposits of the bank
10.35
9.50
b)
Ke) DeefeceeW kee kesverkejCe
Concentration of Advances
eeuet Je<e&
Current Year
efheuee Je<e&
Previous Year
yeerme meyemes ye[s $e+efCeeeW kees efoS ieS kegue $e+Ce
Total Advances to twenty largest borrowers
49,035.28
42,897.70
yeQke kes kegue DeefeceeW ceW yeerme meyemes ye[s $e+efCeeeW kees efoS
ieS DeefeceeW kee eefleMele
Percentage of Advances to twenty largest

borrowers to Total Advances of the bank
9.53
10.22
c)
ie) Skemehees]pej kee kesverkejCe
Concentration of Exposures
eeuet Je<e&
Current Year
efheuee Je<e&
Previous Year
yeerme meyemes ye[s $e+efCeeeW / eenkeeW kee kegue Skemehees]pej
Total Exposure to twenty largest borrowers/

customers
51,573.39
44,872.71
yeerme meyemes ye[s $e+efCeeeW / eenkeeW kees yeQke kes kegue

Skemehees]pej kee eefleMele
Percentage of Exposures to twenty largest

borrowers/customers to Total Exposure of
the bank on borrowers/customers
8.16
8.99
d)
Ie) SveheerS kee kesverkejCe
Concentration of NPAs
eeuet Je<e&
Total Exposure to top four NPA accounts
eej ye[s SveheerS KeeleeW ceW kegue Skemeheespej
e)
*) eeJeOeeve keJejspe Devegheele
Previous Year
1,067.66
709.92
Provision Coverage Ratio
eeuet Je<e&
mekeue SveheerS ceW eeJeOeeve

(lekeveerkeer yeekejCe meefnle)
212
keJejspe
Devegheele
Provision Coverage Ratio
efheuee Je<e&
Current Year
efheuee Je<e&
Current Year
Previous Year
68.24%
80.05%

ke-2.8
A.2.8
JeeJemeeefeke Devegheele
Business Ratios
Particulars
efJeJejCe
2012-13
eeuet Je<e&
efheuee Je<e&
Current year
Previous Year
(i)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Interest Income as a percentage to
Average Working Funds
yeepe Deee
7.34
7.58
(ii)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Non-interest income as a Percentage to
Average Working Funds
iewj-yeepe Deee
0.76
0.87
(iii)
Deewmele keee&Meerue efveefOeeeW kes eefleMele kes he ceW Operating Profit as a percentage to Average
Working Funds
heefjeeueve ueeYe
1.88
2.19
(iv)
DeeefmleeeW hej eefleHeue
0.90
1.24
(v)
eefle kece&eejer JeJemeee (keesj pecee leLee Deefece) Business (Core Deposits plus advances) per
employee (ìn Crores)
(` kejes[ ceW)
16.89
14.66
(vi)
eefle kece&eejer ueeYe (` kejes[ ceW)
0.10
0.12
Return on Assets
Profit per employee (ìn Crores)
ke-2.9 DeeefmleeeW Deewj oseleeDeeW kee eyebOeve DeeefmleeeW Deewj oseleeDeeW keer keg
ceoeW kee heefjhekeJelee mJehe
1 efove
Day 1
2 mes 7
efove
2 to 7 days
pecee jeefMeeeb
Deposits
A. 2.9 Asset Liability Management Maturity pattern of certain

items of assets and liabilities
8 mes 14 15 mes 28 29 efove mes 3 cenerveeW mes 6 cenerveeW mes 1 Je<e& mes 3 Je<e& mes
efove
efove
3 ceen peeoe leLee 6 peeoe leLee peeoe leLee peeoe leLee
8 to 14
15 to 28 29 days to cenerveeW leke 1 Je<e& leke 3 Je<e& leke 5 Je<e& leke
days
days 3 months
5142.66 23513.87 15185.67 18126.44 64889.29
Over 3
Over 6 Over 1 year Over 3 years
months & up months & & up to 3 & up to 5
to 6 months up to 1 year
years
years
5 Je<e& mes
DeefOeke
kegue
Total
Over 5
years
52890.56 131681.42 82863.02 18095.14 61493.2 473881.27
(2925.19) (21239.74) (11003.69) (14239.70) (57524.98) (46899.67) (101186.09) (69782.90) (14480.81) (45498.33) (384871.11)
Deefece
Advances
4634.37 8268.57 10881.41
9225.00 44232.88
36542.22 30267.28 95296.65 36705.42 52131.98 328185.77
(2219.76) (6010.72) (8268.23) (6769.28) (37969.99) (31238.21) (30909.28) (89550.20) (31298.26) (43143.37) (287377.29)
efveJesMe
GOeej
Investments
Borrowings
efJeosMeer
cege Deeefmleeeb
Foreign
Currency assets
efJeosMeer
cege oseleeSb
Foreign Currency
liabilities
2605.83 1935.87
715.14
588.39 9609.82
(419.65) (1186.93)
(290.33)
(764.51) (5737.41)
484.49
269.34
549.05 2385.78
(61.03) (508.80)
(39.32)
(25.44) (1751.06)
(2387.02) (2042.77) (1399.66) (4729.69) (10628.26) (23573.05)
4957.19 12502.61 38947.18
33395.54 15676.21 21842.87 16457.82 6871.62 172816.26
(8545.19) (10212.72) (4883.32) (6054.54) (29164.67)
(23826.91) (15119.93) (18048.40) (12170.83) (5106.43) (133132.84)
3555.66 17430.51
24897.52 30426.44 11107.99 18837.03 3779.70 159972.03
476.86
14200.86 7964.35
8384.56 11463.65 30088.97
3395.63
2764.66 16614.87 13800.94 69368.43 121399.59
(1231.49) (1633.10) (12828.27) (10593.25) (48524.47) (83209.40)

3506.20
1880.69
(1737.17) (17556.76) (5960.54) (5852.08) (27105.95) (22690.71) (21937.97)
5112.73
5969.16 5944.99 26579.28
(4997.56) (16567.48) (8926.66) (133332.88)
keeske ceW efoS ieS Deebke[s efHeues Je<e& keer mebKeeSb nQ. Figures in bracket denote previous year numbers
DeeeqmleeeW SJeb oseleeDeeW kee efJeYeepeve yeQke keer Deeeqmle oselee heyebOeve SJeb mecetn peesefKece veerefle 2011 kes Devegmeej efkeee ieee nw. The distribution of Assets
and Liabilities has been done as per the Asset Liability Management and Group Risk Policy-2011 of the Bank
kegue DeefieceeW keer ieCevee ceW eeJeOeeveeW SJeb Deve keewefleeeW kee efJeYeepeve mekeue ceeveke DeefieceeW kes Devegheele ceW efkeee ieee nw. The Distribution of provisions
and other deductions, while arriving at the net advances, has been done in proportion to the gross Standard Advances.
efJeosMeer cege keer oseleeDeeW kee efJeYeepeve cetue oselee efJeYeepeve kes Devegheele ceW efkeee ieee nw. Distribution of of provision on foreign currency liabilities
has been done in proportion to the distribution of the parent liability.
213
2012-13
ke-2.10 Skemeheespej
A-2.10 Exposure
ke-2.10.1 efjeue Sms #es$e ceW Skemeheespej
A-2.10.1 Exposure to Real Estate Sector

Category
esCeer
ke)
ele#e Skemeheespej
a)
Direct exposure
(i)
DeeJeemeere yebOeke
(i)
Residential Mortgages
DeeJeemeere mebheefe, pees kepe&oej kes mJeeefcelJe ceW nw / nesieer

ee efkejeS hej nw, kees yebOeke jKeles ngS hetCe& megjef#ele kepe&,
FveceW mes Jeefeiele DeeJeeme $e+Ce heeLeefcekelee heehle DeefieceeW ceW
Meeefceue kejves nsleg hee$e nQ.
Lending fully secured by mortgages on residential

property that is or will be occupied by the borrower
or that is rented;
(ii) JeeefCeefpeke efjeue Sms
ii)
JeeefCeeqpeke efjeue Sms hej yebOeke eje megjef#ele

kepe& (keeee&uee YeJeve, efjsue mhesme, ceuer hehe&me
kecee|Meeue heefjmej, yengheefjJeej DeeJeemeere YeJeve, yeng
efkejeSoej kecee|Meeue heefjmej, Deeweeseif eke ee Jesej
neGme mhesme, nesue, peceerve, DeefOeienCe, efJekeeme
leLee efvecee&Ce keee& Deeefo) Skemeheesp] ej ceW iewj efveefOe
DeeOeeefjle (SveSHeyeer) meerceeSb Meeefceue nes mekeleer nQ.
(iii) yebOeke ege heefleYetefleeeW ceW efveJesMe (Sce yeer Sme) leLee
Deve heefleYeteflele Skemeheespej
Ke)
efheuee Je<e&
Current Year Previous Year
17,702.43
15,729.00
(10,535.17)
(9,880.57)
6,727.22
5,834.96
Of which Individual housing loans eligible for

inclusion in priority sector
Commercial Real Estate
Lending secured by mortgages on commercial

real estates (office buildings, retail space, multipurpose commercial premises, multi-family
residential buildings, multi-tenanted 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 Backed Securities
(MBS) and other securitised exposures
ke. DeeJeemeere
a.
Residential,
14.98
0.41
Ke. JeeefCeefpeke efjeue Sms
b.
Commercial Real Estate.
43.83
13.13
60.91
83.18
6,312.11
5,496.72
30,861.48
27,157.40
Deele#e Skemeheespej
efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle Skemeheespej
b)
Indirect Exposure
Fund based and non-fund based exposures
(i)
vewMeveue neGeEmeie yeQke (SveSeyeer) leLee
(i)
National Housing Bank (NHB)
(ii)
DeeJeeme efJee kebheefveeeb (SeSHemeer)
(ii)
Housing Finance Companies (HFCs)
efjeue Sms #es$e ceW kegue Skemeheespej
214
eeuet Je<e&
Total Exposure to Real Estate Sector

A- 2.10.2 Exposure to Capital Market
ke-2.10.2 Hebtpeer yeepeej ceW $e+Ce peesefKece

Particulars
efJeJejCe
2012-13
eeuet Je<e&
efheuee Je<e&
Current
year
Previous
Year
(i)
FefkeJeer Meseme&, HeefjJele&veere yeeb[eW, HeefjJele&veere ef[yeWejeW (i)

leLee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer etefveeW,
efpevekes kee@jheme keeHeexjs $e+Ce ceW Deueie mes efveJesMe veneR
efkeS ieS neW, ceW ele#e efveJesMe
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;
1,782.26
1,846.09
(ii)
MesejeW/yeeb[eW/ef[yeWejeW DeLeJee Deve eefleYetefleeeW keer (ii)

SJe]pe ceW Deefece DeLeJee MesejeW (DeeF&heerDees/F&SmeDeesheer),
heefjJele&veMeerue yeeb[eW, heefjJele&veMeerue ef[yeWejeW leLee FefkeJeer
DeeOeeefjle cetegDeue Heb[ keer etefveeW ceW efveJesMe kes efueS
JeefeeeW kees efveyeOe DeeOeej hej efoS ieS Deefece
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 equity-oriented
mutual funds;
65.03
70.6
(iii)
efkevneR Deve Ssmes GsMeeW kes efueS Deefece peneb MesejeW (iii)
DeLeJee HeefjJele&veere yeeb[eW DeLeJee HeefjJele&veere ef[yeWejeW
DeLeJee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer etefveeW kees
HeeLeefceke HeefleYetefle kes He ceW efueee ieee nw.
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;
27.10
12.57
(iv)
efkevneR Deve Ssmes GsMeeW kes efueS Gme meercee leke Deefece, (iv)
peesefke MesejeW, heefjJele&veMeerue yeeb[eW DeLeJee HeefjJele&veere
ef[yeWejeW DeLeJee FefkeJeer DeeOeeefjle cetegDeue Heb[ keer
etefveeW keer mebheeefMJe&ke eefleYetefle mes mebjef#ele nw; DeLee&le
peneb efke MesejeW/HeefjJele&veere yeeb[eW/HeefjJele&veere ef[yeWejeW/
FefkeJeer DeeOeeefjle cetegDeue Heb[eW kes DeueeJee ueer ieeer
HeeLeefceke HeefleYetefle Hetjer lejn mes DeefieceeW kees keJej veneR
kej Heeeer nw.
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
875.18
116.39
(v)
me@ke yeeskejeW kees peceeveleer leLee iewj peceeveleer Deefiece (v)

leLee me@ke yeeskejeW leLee ceekex ceskej keer Deesj mes peejer
ieejbefeeb
Secured and unsecured advances to

stockbrokers and guarantees issued on behalf
of stockbrokers and market makers
351.95
159.72
(vi)
keeHeexjs kees MesejeW/yeeb[eW/ef[yeWejeW DeLeJee Deve (vi)

HeefleYetefleeeW DeLeJee DeHeves mebmeeOeveeW kes ye{ves keer HeleeMee
ceW veeer kebHeefveeeW keer FefkeJeer kees Heesceesj kes DebMeoeve kes
efueS efveyeb&Oe DeeOeej Hej mJeerke=le efkeS ieS Deefiece
Loans sanctioned to corporates against the

security of shares / bonds/debentures or
other securities or on clean basis for meeting
promoters contribution to the equity of new
companies in anticipation of raising resources;
(vii) mebYeeefJele FefkeJeer HeJeen/efveie&ceeW keer SJepe ceW kebHeefveeeW kees (vii)
Bridge loans to companies against expected

equity flows/issues;
(viii) MesejeW DeLeJee HeefjJele&veere yeeb[eW/ef[yeWejeW DeLeJee FefkeJeer (viii) Underwriting commitments taken up by the
banks in respect of primary issue of shares or
DeeOeeefjle cetegDeue Heb[ kes HeeLeefceke cegeW kes yeejs ceW yeQkeeW
convertible bonds or convertible debentures
eje keer ieF& neceeroejer eefleyeleeSb
or units of equity oriented mutual funds;
0.60
hetjke (efyepe) $e+Ce
(ix)
ceeefpe&ve ^sef[bie kes efueS me@ke yeeskejeW kees efJee Heoeve (ix)
kejvee
Financing to stockbrokers for margin trading
2.06
1.90
(x)
JeWej hetbpeer efveefOeeeW (Hebpeerke=le leLee iewj Hebpeerke=le) kee (x)

peesefKece
All exposures to Venture Capital Funds (both

registered and unregistered)
779.24
731.52
Hetbpeer yeepeej ceW kegue peesefKece
Total Exposure to Capital Market
3,882.82
2,939.39
hetbpeer yeepeej ceW ` 3,882.82 kejes[ kee $e+Ce kegue $e+Ce keer meercee jeefMe `10,481.47 kejes[ kes Yeerlej nw. (DeLee&le 31.03.2012 kees yeQke keer Meg ceeefueele `26,203.67 kejes[
kee 40%). hetbpeer yeepeej ceW hele#e SkemeHeespej ` 2,655.69 kejes[ nw Deewj efoveebke 31.03.2012 kees yeQke keer efveJeue ceeefueele 26,203.67 kejes[ kee 20% DeLee&le ` 5,240.73
kejes[ keer meercee kes Yeerlej nw.
The exposure to Capital Market of ` 3,882.82 Crores is within the limit of ` 10,481.47 Crores (i.e. 40% of Banks Net worth of
` 26,203.67 Crores as on 31.03.2012). The direct exposure to Capital Market is ` 2,655.69 Crores and is within the limit of
` 5,240.73 crores i.e. 20% of the Banks net worth of ` 26,203.67 crores as on 31.03.2012.
215
2012-13
ke-2.10.3 peesefKece esCeerJeej osMeere Skemehees]pej

esCeer
cenlJenerve
vetve
ceOe
Ge
DeefOeke Ge
meerefcele
$e+Ce mes Flej
kegue
A- 2.10.3 Risk Category wise Country Exposure

Category
31 ceee& 2013 kees

Skemehees]pej (ves)
31 ceee& 2012
kees Skemehees]pej (ves)
31 ceee& 2012
kees eeJeOeeve
Insignificant
Exposure
(net) as on
31st March
2013
27,244.70
31 ceee& 2013
kees eeJeOeeve
Low
15,260.64
16.05
13,082.91
13.85
Moderate
1,126.05
--
479.44
--
High
1,844.36
--
62.23
--
Very High
17.48
--
1,577.95
--
Restricted
0.81
--
22.05
--
2.53
--
0.38
--
20.96
45,517.53
-35.66
-32,045.33
-22.63
Off-credit
Not Rated
Total
ke-2.10.4 yeQke eje Skeue $e+Ceer meercee (SmeyeerSue) mecetn $e+Ceer meercee (peeryeerSue)
ceW DeeefOekee
Provision
held as on
31st March
2013
19.61
Exposure
(net) as on
31st March
2012
16,820.37
A- 2.10.4 Single Borrower Limit (SBL)/ Group Borrower Limit

(GBL) exceeded by the bank
Skeue kepe&oej
Skemehees]pej meercee
kegue efveOee&efjle
meercee
31 ceee&
kees Mes<e
mecetn kepe&oej
Skemehees]pej meercee
kegue efveOee&efjle
meercee
31 ceee&
kees Mes<e
Je<e&
Year
$e+Ceer kee veece
2012-13
2011-12
Single Borrower
Exposure Limit
-
Je<e&
Year
$e+Ceer kee veece
2012-13
2011-12
Group Borrower
Exposure Limit
-
Name of the borrower
Name of the borrower
ke-2.10.5 iewjpeceeveleer Deefece jeefMe

Ssmes DeefieceeW efpeveceW nkeoejer, ueeFmeWme, heeefOekeej Deeefo hej heYeej nsleg
Decetle& heefleYetefleeeb peceevele kes he ceW ueer ieF& nw, keer jeefMe ` 333.35
kejes[ (iele Je<e& ` 1,033.30 kejes[) nw Deewj GvnW iewj peceeveleer DeefieceeW
kes Yeeie kes he ceW oMee&ee ieee nw pewmee efke legueve he$e keer Devegmeteer 9 ceW
GequueefKele nw. kegue iewj peceeveleer DeefieceeW ceW Ssmes DeefieceeW kee DebMe 0.79
% (iele Je<e& 2.20%) nw. cetueebkeve efjHeex efoveebke 31 efomebyej 2010 kes
Devegmeej Decetle& mebHeeefMJe&ke cetueebkeve ` 3268.14 kejes[ keer ieF& nw.
Total Limit Balance as on

Sanctioned
31st March
-
Total Limit Balance as on

Sanctioned
31st March
-
A-2.10.5 Amount of Unsecured Advances

The amount of advances, for which intangible securities, such
as charge over the rights, licenses, authority etc. have been
taken as security is ` 333.35 crores (previous year ` 1,033.30
Crores) and the same has been classified as unsecured,
forming part of unsecured advances as reflected in schedule
9 of the balance sheet. Such advances to total unsecured
advances are 0.79 % (previous year 2.20%). The intangible
collateral valued at ` 3268.14 crores as per valuation report
dated 31st December 2010.
A-2.11 Miscellaneous
ke-2.11 efJeefJeOe
ke-2.11.1 Je<e& kes oewjeve kejeOeeve nsleg efkeS ieS eeJeOeeve keer jeefMe
efJeJejCe
Provision
held as on
31st March
2012
8.78
A-2.11.1 Amount of Provisions for Taxation during the year

Particulars
eeuet Je<e&
efheuee Je<e&
Current Year
Provision for Tax including Wealth tax & deferred tax
904.33
mebheefe kej SJeb DeemLeefiele kej meefnle kes kejeW nsleg heeJeOeeve
IeeSb efheues Je<eeX mes mebyebefOele kej heeJeOeeveeW kee efjJeme&ue Less reversal of Tax Provisions relating to
Previous year
1,443.98
553.82
425.14
kej kes efueS ves eeJeOeeve
350.51
1,018.84
216
previous years
net provision for Tax
2012-13
ke-2.11.2 Yeejleere efj]peJe& yeQke eje ueieeS ieS ob[ kee ekeerkejCe
efJeeere Je<e& 2012-13 kes oewjeve yeQke hej yeQeEkeie efJeefveece DeefOeefveece
1949 keer efkemeer Yeer Dehes#ee keer DeJensuevee DeLeJee iewj Devegheeuevee kes efueS
yeQke hej keesF& oC[ veneR ueieeee ieee nw. eeefHe Yeejleere efj]peJe& yeQke keer
kejWmeer esm mes mebyebefOele efJeefYeVe efveeceeW kes keejCe yeQke kees efJeeere Je<e&
2012-13 ceW efueS ` 0.02 kejes[ ob[ mJeHe egkeevee He[e nw.
A-2.11.2 Disclosure of penalties imposed by RBI

During the financial year 2012-13, the Bank has not
been subjected to any penalty for contravention or
non-compliance with any requirement of the Banking
Regulation Act, 1949. However, under various rules of
RBI related to Currency chest, the Bank has paid penalty
of ` 0.02 crores during the financial year 2012-13.
ke-2.11.3 eeeesefpele SmeheerJeer Dee@He yewueWme Meer (efpemes uesKee ceevekeeW kes Devegmeej
mecesefkele efkeee peevee nw)
A-2.11.3 Off-balance sheet SPVs sponsored (which are required

to be consolidated as per accounting norms)
eeeesefpele SmeheerJeer kee veece Name of the SPV sponsored

Iejsuet Domestic
efJeosMeer Overseas
Metve / NIL
Metve / NIL
ke-2.11.4 heefleYetleerkejCe
S.No.
A-2.11.4 Securitisation
efJeJejCe
Particulars
1.
heefleYetleerkejCe DeblejCe kes efueS yeQke eje heeeesefpele

SmeheerJeer keer mebKee
No. of SPVs sponsored by the bank for

Securitisation transaction
2.
yeQke eje heeeesefpele SmeheerJeer keer yener kes Devegmeej

heefleYetleerkejCe Deeeqmleeeb keer kegue jeefMe
Total amount of Securitised assets as per

books of the SPVs sponsored by the Bank
3.
leguevehe$e keer efleefLe kees vetvelece OeejCe DeeJeMekelee

(SceDeejDeej) kes Devegheeueve kes efueS yeQke eje heefleOeeefjle
peesefKece keer kegue jeefMe
ke) leguevehe$eslej peesefKece
cetue Ieee
Deve
Ke) leguevehe$e kee peesefKece
cetue Ieee
Deve
Total amount of exposures retained by the

bank to comply with minimum retention
requirement (MRR) as on the date of
Balance Sheet
a) Off-balance sheet exposures
First Loss
Others
b) On balance sheet exposures
First Loss
Others
4.
SceSceDeej kes DeueeJee heleerYetleerkejCe DeblejCe mes peesefKece

keer jeefMe
ke) leguevehe$eslej peesefKece
i)
Deheves heefleYetleerkejCe mes peesefKece
cetue Ieee
Deve Ieee
ii)
le=leere he#e heefleYetleerkejCe mes peesefKece
cetue Ieee
Deve Ieee
Ke) leguevehe$e kee peesefKece
i)
Deheves heefleYetleerkejCe mes peesefKece cetue Ieee
Deve Ieee
ii)
le=leere he#e heefleYetleerkejCe mes peesefKece
cetue Ieee
Deve Ieee
Amount of Exposures to securitisation

transactions other than MRR
a) Off-balance sheet exposures
i)
Exposures to own securitisations
First Loss
Loss/Others
ii)
Exposures to third party
securitisations
First Loss
Others
b) Onbalance sheet exposures
i)
Exposures to own securitisations
First Loss
Loss/Others
ii)
Exposures to third party
securitisations
First Loss
Others
mebKee/ jeefMe (`kejes[ ceW)
No. / Amount (` in crores)
Metve
NIL
217
2012-13
ke-3. eeJeOeeveeW Je DeekeefmcekeleeDeeW kee yeske Dehe
A-3. Break up of Provisions and Contingencies
ke-3.1 ueeYe Je neefve Keeles ceW Deeves Jeeues eeJeOeeve Je DeekeefmcekeleeDeeW kee
efJeJejCe Fme ekeej nw:
A-3.1The break-up of provisions and contingencies appearing

in Profit & Loss Account is as under:
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
Current
Year
Previous
Year
efveJesMe hej cetueeme nsleg eeJeOeeve (Meg euesefKele)
Provision for depreciation on investment (net of written

back)
225.45
236.33
yesKeeles [eues ieS DeMeesOe $e+CeeW/SveheerS kes

efueS eeJeOeeve (Meg euesefKele)
Bad debts written off / Provision made towards NPA

(net of written back)
3,067.02
1,568.87
ceeveke DeeefmleeeW nsleg eeJeOeeve
Provision for standard assets
393.80
448.17
kej nsleg eeJeOeeve DeemLeefiele kejeW,

Deewj mebheoe kej meefnle (Meg eefleJeefle&le eeJeOeeve)
Provision for taxes including deferred taxes, and Wealth

tax (net of reversal of provisions)
350.51
1,018.84
Deve eeJeOeeve leLee DeekeefmcekeleeSb
Other Provision and Contingencies
hegveie&ef"le ceeveke Je DeJeceeveke KeeleeW ceW yeepe kes

mewefeHeeFme nsleg eeJeOeeve
Provision towards sacrifice of interest in restructured

standard and sub-standard accounts
382.42
296.32
osMeiele peesefKece eyebOeve nsleg eeJeOeeve
Provision for Country Risk Management
13.03
5.22
kece&eejer keueeCe Kee& nsleg eeJeOeeve
Provision for staff welfare expenses
25.00
25.00
Deve
Others
61.20
-25.08
kegue
Total
4,518.43
3,573.67
A-3.2Floating Provisions Comprehensive Disclosures

ke-3.2 DemLeeeer eeJeOeeve - Jeeheke ekeerkejCe
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
Current
Year
Previous
Year
ke. DemLeeeer eeJeOeeve Keeles ceW DeejefcYeke Mes<e
a.
Opening balance in the floating

provisions account
850.35
850.35
Ke. uesKee Je<e& ceW efkeS ieS DemLeeeer eeJeOeeve keer jeefMe
b.
The quantum of floating provisions made

in the accounting year
ie. uesKee Je<e& kes oewjeve efkeS ieS [ê [eGve keer
jeefMe
c.
Amount of draw down made during the

accounting year
Ie. DemLeeeer eeJeOeeve Keeles ceW Debeflece Mes<e
d.
Closing balance in the floating provisions

account
850.35
850.35
ke- 3.3 Deejef#ele efveefOeeeW ceW efiejeJe ([ê [eGve)
efJeeere Je<e& 2012-13 kes oewjeve Deejef#ele efveefOeeeW ceW keesF& efiejeJe
veneR DeeF&.
218
A-3.3
Draw Down from Reserves

During the financial year 2012-13, there has been
no draw down from Reserves.

ke- 4.
A-4.
efMekeeeleeW kee ekeerkejCe

I.
2012-13
Disclosure of complaints
I. Customer Complaints
eenke efMekeeele
eeuet Je<e&
efJeJejCe
Particulars
(ke) Je<e& kes Meg ceW uebefyele efMekeeeleeW keer mebKee
(a) No. of complaints pending at the

beginning of the year
(Ke) Je<e& kes oewjeve HeeHle efMekeeeleeW keer mebKee

(ie)
efheuee Je<e&
Current
Year
Previous
Year
636
160
(b) No. of complaints received during the year
14843
11365
Je<e& kes oewjeve efveJeeefjle efMekeeeleeW keer mebKee
(c)
No. of complaints redressed during the

year
15328
10889
(Ie)
Je<e& kes Deble ceW uebefyele efMekeeeleeW keer mebKee
(d) No. of complaints pending at the end of

the year
* 151
636
* FveceW
mes 142 efMekeeeleW (iele Je<e& 525 efMekeeeleW) 30 efoveeW mes kece hegjeveer nQ. * Out of these 142 nos. of complaints (Previous year 525
nos.) are pending for less than 30 days.
II.
II. Awards passed by the Banking Ombudsman
yeQefkebie ueeskeheeue eje efoS ieS efveCe&e
eeuet Je<e&
efheuee Je<e&
efJeJejCe
Particulars
(ke) Je<e& kes Meg ceW keeee&efvJele ve efkeS ieS efveCe&eeW keer mebKee
(a) No. of unimplemented Awards at the

01
(Ke) Je<e& kes oewjeve yeQefkebie ueeskeHeeue eje efoS ieS

efveCe&eeW keer mebKee
(b) No. of Awards passed by the Banking

Ombudsman during the year
11
12
(ie)
(c)
15
09
--
04
Je<e& kes oewjeve keeee&efvJele efveCe&eeW keer mebKee
(Ie) Je<e& kes Deble ceW keeee&efvJele ve efkeS ieS efveCe&eeW keer mebKee
No. of Awards implemented during the

year
(d) No. of unimplemented Awards at the end

of the year
Current
Year
Previous
Year
219
2012-13
ke-5. egkeewleer DeeMJeemeve He$e keer efmLeefle

(I) eeuet efJeeere Je<e& kes oewjeve peejer egkeewleer DeeMJeemeve he$e (SueDeesmeer)
yeQke ves eeuet Je<e& kes oewjeve efJeosMeer/osMeere efveeecekeeW eje Deheveer Deveg<ebefieeeW
keer mLeehevee kejves/MeeKeeDeeW kees Keesueves kes efueS Dehevee Devegceesove eehle
kejles mecee DeeJeMekeleeDeeW keer hetefle& kes meboYe& ceW keesF& DeeMJeemeve he$e peejer
veneR efkeee.
(II) 31.03.2013 kees yekeeee egkeewleer Deeeemeve he$eeW keer mebeeer eqmLeefle
yeQke ves efvecveefueefKele DeeMJeemeve peejer efkeee nw.
(i) efJeeere Je<e& 2008-09 kes oewjeve efJeosMeer/osMeer efJeefveeecekeeW keer Dehes#eeDeeW
kees hetje kejves kes efueS Deveg<ebefieeeW keer mLeehevee / MeeKeeSb Keesueves nsleg Gvemes
Devegceesove heehle kejves kes efueS efj]peJe& yeQke Dee@He vetpeerueQ[ kee Gme osMe ceW
yeQke keer Deveg<ebieer kes efueS egkeewleer Deeeemeve he$e peejer efkeee ieee Lee.
efo.31.03.2013 kes uesKee hejeref#ele uesKeeW kes Devegmeej Deveg<ebieer keer peceeSb
`.98.56 kejes[ SJeb yeenjer oseleeSb `.0.60 kejes[ nw. yeQke Dee@]He ye[ewoe
eje peejer efkeee ieee SueDeesmeer `.99.16 kejes[ keer mecemle jeefMe DeLee&le
peceejeefMe SJeb yeenjer oseleeDeeW kees keJej kejlee nw. leLeeefhe 31.03.2013
kees Fme Deveg<ebieer keer Meg ceeefueele `.186.80 kejes[ nw FmeefueS en mebHetCe&
pecee jeefMe Deewj yeenjer oseleeDeeW kees keJej kejlee nw.
(ii) efJeeere Je<e& 2010-11 kes oewjeve yeQke ves mebege Gece yeQke Fbef[ee
FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er (DeeF&DeeF&yeerSceyeer) ceW yeQke kes 40%
MesejOeeefjlee keer meercee leke yeQke Dee@]He vesieeje ceuesefMeee kees Deeeemeve
he$e peejer efkeee nw. efoveebke 31.03.2013 kees yeQke keer kegue pecee jeefMe
` 183.71 kejes[ SJeb Deve oseleeSb ` 9.63 kejes[ DeLee&le kegue ` 193.34
kejes[ nw. efoveebke 31.03.2013 kees Fme Deveg<ebieer keer efveJeue ceeefueele
`.534.96 kejes[ nw
ke-6 leermejer heeea kes GlheeoeW kes efJeheCeve mes Dee|pele Deee
A-5. Status of Letters of Comfort

i
Letters of Comfort (LOCs) issued during the Current
Financial Year
During the current financial year, the Bank has not issued
any Letter of Comfort to meet the requirements of the
overseas/domestic regulators while seeking their approval
for establishing subsidiaries / opening of branches.
ii
Cumulative position of LOCs outstanding on 31.03.2013
The Bank has issued the following Letter of Comforts
(i) During financial year 2008-09 to meet the requirements
of the overseas/ domestic regulators while seeking
their approval for establishing subsidiaries/ opening
of branches, the Letter of Comfort was issued
to Reserve Bank of New Zealand for the Banks
subsidiary in that country. As per audited accounts
as on 31.03.2013, the deposits of the Subsidiary are
` 98.56 Crores and outside liabilities are ` 0.60 Crores.
The LOC issued by Bank of Baroda covers this entire
amount of ` 99.16 Crores i.e. deposit and outside
liabilities. However, the net worth of the Subsidiary
as on 31.03.2013 is ` 186.80 Crores and therefore it
covers the entire deposits and outside liabilities.
(ii) During financial year 2010-11, the Bank has issued
Letter of comfort to the Bank of Negara Malaysia to
the extent of the Banks 40% shareholding in the joint
venture Bank India International Bank (Malaysia)
Bhd (IIBMB). As on 31.03.2013, the deposits of the
Bank are ` 183.71 Crores and other liabilities are `
9.63 Crores i.e. total of ` 193.34 Crores. The net
worth of the Subsidiary as on 31.03.2013 is ` 534.96
crores.
A-6 income earned for marketing third party products
(` in Crores)
efJeJejCe
Nature of Income
peerJeve yeercee heeefueefmeeeW keer efyeeer nsleg

iewj peerJeve yeercee heeefueefmeeeW keer efyeeer nsleg
For selling life insurance policies

For selling non life insurance policies
cetetDeue Heb[ heespeskeeW keer efyeeer nsleg

FeqkeJeer yeeseEkeie Glheeo
yeQkeMeesjWme JeJemeee
Ke.
efheuee Je<e&
Previous
Year
19.30
11.33
For selling mutual fund projects
3.17
1.73
Equity broking product
0.33
0.46
Bancassurance Business
0.00
0.21
Fbmeret Dee@He] ee&[& SkeeGbsdme Dee@He] Fbef[ee eje peejer SkeeGbefbie

mQ[[& (SSme) kes mebyebOe ceW HekeerkejCe
Ke-1. kece&eejer ueeYe (S.Sme.-15)
Ke-1.1 yeQke ves 07.12.2006 mes eYeeJeer DeeF&meerSDeeF& eje peejer uesKee ceeveke
(S.Sme.-15) kees DeHeveeee nw. en ceeveke efoveebke 17.12.2007 kees mebMeeseOf ele
SJeb DeefOemetef ele efkeee ieee.
Ke-1.2 ieseger
yeQke DeHeves Ssmes kece&eeefjeeW kees, pees efke yeQke mesJee mes mesJeeefveJe=e DeLeJee
mesJeeleeie kejles nQ, ies eger kee Yegieleeve kejlee nw. yeQke Heleske Je<e& Yegieleeve
keer peeves Jeeueer Fme ies eger keer hebef[ie kes efueS Ske Deebleefjke veeme kees
DebMeoeve jeefMe Heoeve kejlee nw. ies eger efveefOe kes efveeceeW kes DevegHe yeepe
oj, Jesleve Je=e
f , ce=leg oj Deewj mesJee es[ ves Jeeues mehe kee Devegceeve ueieeles
ngS, Heefjueef#ele FkeeF& $e+Ce yeerceebekf eke Heefle kes DeeOeej Hej ies eger oselee kes
yeerceebekf eke cetue keer ieCevee keer peeleer nw .
220
eeuet Je<e&
Current
Year
18.36
11.98
B.
Disclosure in terms of Accounting Standards (AS) issued

by the Institute of Chartered Accountants of India (ICAI).
B-1. (AS-15) Employee Benefits
B- 1.1 The Bank has adopted the Accounting Standard (AS-15)
issued by ICAI, effective from 07.12.2006. The standard
has been revised and notified on 17.12.2007.
B-1.2 GRATUITY
The Bank pays gratuity to employees who retire or
resign from Banks service, after initial service period of
five years. Accordingly, the Bank makes contributions to
an in-house trust, towards funding this gratuity, payable
every year. In accordance with the rule of Gratuity Fund,
actuarial valuation of gratuity liability is calculated based
on certain assumptions regarding rate of interest, salary
growth, mortality and staff attrition as per the Projected
Unit credit actuarial method. The investment of the funds

efveefOeeeW kee efveJesMe Yeejle mejkeej eje efveOee&efjle efveJesMe Heefle kes
Devegmeej efkeee peelee nw .
Yegieleeve keer peeves Jeeueer ieseger keer ieCevee 3 efJeefYevve eespeveeDeeW kes lejerkes
mes keer peeleer nw leLee Fmekes efueS kece&eeefjeeW kes efueS Hee$elee pees kece&eeefjeeW
kes efueS DeefOeke ueeYekeejer nes, Gmekes DeeOeej Hej keer peeleer nw.
Ke-1.3 HeWMeve
Ke-1.3.1 yeQke Dee@He] ye[ewoe DeHeves kece&eeefjeeW, efpevneWves HeWMeve kee efJekeuHe
egvee nw Deewj Ssmes kece&eeefjeeW kees, efpevneWves 29.09.1995 kees Hejbleg
01.04.2010 kes HetJe& yeQke mesJee ceW keee&Yeej mebYeeuee nw, GvnW efJeefveefo&<
ueeYe leLee mesJee efveJe=efe eespevee kes Debleie&le HeWMeve kee Yegieleeve
kejlee nw. en eespevee kece&eeefjeeW kees ceeefmeke DeeOeej Hej yeQke
Dee@He] ye[ewoe (kece&eejer) HeWMeve efJeefveece, 1995 kes DeOeerve Gvekes yeQke
es[ves kes Heeeled HeWMeve eoeve kejves keer megefJeOee eoeve kejleer nw. yeQke
Dee@He] ye[ewoe (kece&eejer) HeWMeve efJeefveece, 1995 Debleie&le Meeefceue kece&eejer
YeefJe<e efveefOe ceW yeQke kes DebMeoeve kes efueS Hee$e veneR nw.
Ke-1.3.2 veF& heWMeve eespevee
heWMeve kee ogyeeje efJekeuhe osves kes yeejs ceW Yeejleere yeQke mebIe Deewj kece&eejer mebie"veeW
kes yeere ngS efhe#eere mecePeewles Deewj mebege vees efoveebke 27.04.2010 kes
Devegmeej efoveebke 01.04.2010 kees ee Fmekes heeele yeQke keer mesJee ceW heJesMe
kejves Jeeues kece&eejer heefjYeeef<ele DebMeoeeer heWMeve eespevee kes efueS hee$e nQ pees
efke yeQke ves mebege vees/mecePeewles efoveebke 27.04.2010 kes Devegmeej Meg keer
nw. en eespevee efoveebke 01.01.2004 mes kesvere mejkeej kes kece&eeefjeeW kes
efueS Meg keer ieF& leLee mecee-mecee hej eLeemebMeeseOf ele veF& hesMeve eespevee kes
heeJeOeeveeW mes ner efveebe$f ele nesleer nw. Dele: Jes yeQke keer YeefJe<e efveefOe eespevee leLee
heWMeve eespevee kee meome yeveves kes efueS hee$e veneR nQ. efoveebke 01.04.2010
kees DeLeJee Fmekes heeeled yeQke mesJeeDeeW ceW heJesMe kejves Jeeues yeQke kes kece&eeefjeeW
kes mebyebOe ceW kegue heefjueeqyOeeeW mes Jesleve leLee cenbieeF& Yees keer 10% keer oj mes
veF& heWMeve eespevee kes efueS keewleer Deewj Fmekes mecelegue ner yeQke eje DebMeoeve
efkeee pee jne nw.
Ke-1.3.3 efJeJeskehetCe& efJeefveeeceke heefle (heWMeve kee efJekeuhe)

Je<e& 2010-11 kes oewjeve yeQke ves Deheves Ssmes keg kece&eeefjeeW kes efueS heWMeve kee
efJekeuhe hegve: efoee Lee, efpevneWves hetJe& ceW heWMeve eespevee kee efJekeuhe ve efueee nes.
heefjCeecemJehe Fme heef eee kes ceeOece mes 18,989 kece&eeefjeeW ves en efJekeuhe
egvee, efpememes yeQke kes efueS `.1829.90 kejes[ keer oseleeSb GlheVe ngF.&
SSme-15 kece&eejer ueeYe mebyebOeer ceeveke keer Dehes#eeDeeW kes Devegmeej, `1829.90
kejes[ keer hetCe& jeefMe ueeYe-neefve Keeles kees heYeeefjle keer peeleer nw. leLeeefhe,
Yeejleere efjp] eJe& yeQke ves efo.9 HejJejer, 2011 kees meeJe&peefveke #es$e kes yeQkeeW
kes kece&eeefjeeW kees heWMeve efJekeuhe hegve: heoeve kejves leLee ieps eger meerceeDeeW
ceW Je=e
f efJeJeskehetCe& efveeeceke heefle kes mebyebOe ceW heefjhe$e meb.[eryeerDees[er.
yeerheeryeermeer.80/21.04.018/2010-11 peejer efkeee Lee. efpemekes eje Ssmes
HesMb eve keer jeefMe kees Heebe Je<eesb& mes DeefOeke keer DeJeefOe leke HeefjMeeseOf ele efkeee
pee mekelee nw. leovegmeej 31 ceee&, 2013 leke yeQke ves ` 1,097.94 kejes[
keer jeefMe (`1829.90 kejes[ kee 3/5) ueeYe-neefve Keeles kees heYeeefjle keer nw.
` 731.96 kejes[ keer DeefveOee&ejf le Mes<e jeefMe kee Ge heefjhe$e ceW efJeefvee|oevegmeej
Mes<e DeJeefOe ceW efnmeeye ceW efueee peeSiee leLee heYeeefjle efkeee peeSiee. Fme jeefMe
ceW efJecege / mesJeeefveJe=e efkemeer kece&eejer keer jeefMe Meeefceue veneR nw.
2012-13
is made according to investment pattern prescribed by

the Government of India.
The gratuity payable is worked out by way of three
different schemes and the entitlement is based on what
is most beneficial to employees.
B- 1.3 PENSION
B. 1.3.1 Bank of Baroda pays pension, a defined benefit plan
covering the employees who have opted for pension
and also to the employees joining the banks service
on or after 29.9.1995 but before 01.04.2010. The plan
provides for a pension on a monthly basis to these
employees on their cessation from service of the Bank
in terms of Bank of Baroda (Employees) Pension
Regulations, 1995. Employees covered under Bank of
Baroda (Employees) Pension Regulations, 1995 are
not eligible for Banks contribution to Provident fund.
B. 1.3.2 New Pension Scheme
In terms of Bipartite Settlement and Joint Note dated
27.04.2010 between IBA and Employees Organisations
on extending another option for pension, employees
joining the services of the Bank on or after 01.04.2010
are eligible for the Defined Contributory Pension
Scheme, which was introduced by the Bank in terms of
the Joint Note / Settlement dated 27.04.2010, similar
to the one governed by the provisions of New Pension
Scheme introduced for the employees of Central
Government w.e.f. 01.01.2004 and as modified from
time to time. Hence they are not eligible for becoming
members of Banks Provident Fund Scheme and
Pension Scheme. In respect of the employees of the
Bank who have joined the services of the Bank on or
after 01.04.2010, deduction towards New Pension
Scheme at the rate of 10% of the basic pay and dearness
allowance from the salary with a matching contribution
by the Bank is being made.
B-1.3.3 Prudential Regulatory treatment (reopening of Pension)
During the financial year 2010-11, the Bank had
reopened the Pension Option for such of its employees
who had not opted for the Pension Scheme earlier. As
a result of exercise of such option by 18,989 number of
employees, the Bank had incurred a liability of `1,829.90
Crores.
In terms of the requirements of AS 15 - Employee
Benefits, the entire amount of ` 1,829.90 Crores was
required to be charged to the Profit and Loss Account.
However, the RBI had issued a circular no. DBOD.
BP.BC.80/21.04.018/2010-11 on Re-opening of Pension
Option to Employees of Public Sector Banks and
Enhancement in Gratuity Limits Prudential Regulatory
Treatment, dated February 9, 2011, by which such
pension amount can be amortised over a period of five
year. Accordingly, the Bank has charged an amount of
` 1,097.94.Crores (representing three-fifth of `1,829.90
Crores) upto March 31, 2013. The unrecognised balance
amount of ` 731.96 Crores shall be accounted for and
charged off over the balance period stipulated in the said
circular. This amount does not include any employee
relating to separated/ retired employees.
221
2012-13
B-1.4 PROVIDENT FUND

The Bank is statutorily required to maintain a provident
fund as a part of its retirement benefits to its employees
who joined Banks service on or before 31.03.2010. This
fund is administered by a trust managed by the Bank.
Each employee contributes 10% of their basic salary
and eligible allowances and the Bank contributes an
equal amount to the fund. The investment of the fund is
made according to investment pattern prescribed by the
Government of India.
Ke-1.4 YeefJe<e efveefOe

yeQke Dee@He] ye[ewoe kees DeHeves kece&eeefjeeW, pees 31.03.2010 kees DeLeJee Gmemes HetJe&
mesJee ceW DeeS nQ, kes mesJee efveJe=ef e ueeYeeW kes Ske Yeeie kes He ceW YeefJe<e efveefOe keer
osKejsKe meebeJf eefOeke DeeJeMekelee nw. Fme efveefOe kee HeyebOeve Deebleefjke veeefmeeeW eje
efkeee peelee nw. Heleske kece&eejer eje Gmekes cetue Jesleve SJeb hee$e YeeeW kee 10%
DebMeoeve efkeee peelee nw Deewj yeQke Dee@He] ye[ewoe Gme jeefMe kes yejeyej jeefMe Fme efveefOe
ceW DebMeoeve kejlee nw. Fme efveefOe kee efveJesMe Yeejle mejkeej eje efveOee&ejf le efveJesMe
Heefle kes Devegmeej efkeee peelee nw.
Ke-1.5 ger kee vekeoerkejCe
B- 1.5 LEAVE ENCASHMENT

An employee is entitled to encash privilege leave standing
to his/her credit subject to a maximum of 240 days on the
date of superannuation/Voluntary Retirement/death.
keesF& Yeer kece&eejer DeHeveer DeefOeJeef<e&lee /mJewefke mesJee efveJe=efe /ce=leg keer
leejerKe Hej Gmekes Keeles ceW pecee ngF& gefeeW ceW mes DeefOekelece 240 efoveeW
leke keer Deefpe&le gefeeW kee vekeoerkejCe HeeHle kejves kee nkeoej nw.
However, on resignation, an employee is entitled to get

encashment to the tune of 50% of the privilege leave
standing to the credit subject to a maximum of 120 days.
leLeeefHe, mesJee leeie keer efmLeefle ceW, kece&eejer pecee Deefpe&le gefeeW ceW
DeefOekelece 120 efoveeW leke gefeeW keer 50% jeefMe kee vekeoerkejCe HeeHle
kejves kee nkeoej nw .
B- 1.6 ADDITIONAL RETIREMENT BENEFIT

The scheme for additional retirement benefit provides
that an officer on Retirement/ Voluntary retirement/ Death
shall be eligible for additional retirement benefit, provided
the officer had completed-twenty five-years of service in
Bank.
Ke-1.6 Deefleefjkele mesJeeefveJe=efe ueeYe

Deefleefjkele mesJee efveJe=efe ueeYe kes efueS eespevee kes Debleie&le keesF& DeefOekeejer
DeHeveer mesJeeefveJe=efe /mJewefke mesJee efveJe=efe /ce=leg Hej Deefleefjkele mesJee
efveJe=efe ueeYe Heeves kee nkeoej nesiee yeMelex efke DeefOekeejer ves yeQke ceW 25 Je<eeX
keer mesJee Hetjer kej ueer nes.
"erke Fmeer lejn, DeJee[& me@He meome mesJee efveJe=efe /mJewefke mesJee
efveJe=efe/ ce=leg nesves Hej Deefleefjkele mesJee efveJe=efe ueeYe Heeves kes efueS nkeoej
neWies yeMelex DeJee[& meHe ves yeQke mesJee ceW 30 Je<eeX keer mesJee Hetjer kej ueer
nes. leLeeefHe, yeKee&mleieer, mesJee cegefkele, mesJee meceeefHle, DeefveJeee& mesJee efveJe=efe
Deewj mesJee leeie keer efmLeefle ceW mesJee keeue kes Je<eeX keer mebKee hej Oeeve ve
jKeles ngS Deefleefjkele mesJee efveJe=efe ueeYe kee Yegieleeve veneR efkeee peeSiee.
In the same manner, award staff member on Retirement/

Voluntary Retirement/ Death shall be eligible for additional
retirement benefit, provided the staff member had
completed thirty-years of service in Bank.
However, in case of dismissal, discharge, termination,
compulsory retirement and resignation, additional
retirement benefit shall not be payable irrespective of
any number of years of service.
Ke-1.7 ekeerkejCe
B- 1.7Disclosures
Principal Actuarial Assumptions [Expressed as
Weighted Averages]
cetue yeerceebefkeke DeJeOeejCeeSb (Jewspe Deewmele kes He ceW DeefYeJekele)
eespevee kee mJehe TYPE OF PLAN

HeWMeve
DeJekeeMe
vekeoerkejCe
PENSION
LEAVE
ENCASHMENT
GRATUITY
ieseger
Deefle. mesJee ueeYe

ARB
ef[mkeeGb oj
Discount rate
8.25%
8.25%
8.25%
8.25%
Jesleve Je=ef oj
Salary Escalation Rate
6.00%
6.00%
6.00%
6.00%
eme oj
Attrition Rate
2.00%
2.00%
2.00%
2.00%
eespeveeiele DeeefmleeeW Hej mebYeeefJele

efjve& js
Expected Rate of Return on

plan Assets
8.00%
8.00%
ce=legoj : SueDeeF&meerDeeF& 1994-96
Mortality Rate :
222
LICI 1994-96

oseleeDeeW kes DeejbefYeke Deewj Debeflece Mes<e kee meceeOeeve
2012-13
Reconciliation of opening and closing balance of liability


HeWMeve
PENSION
DeJekeeMe
vekeoerkejCe
Deefle.
mes
J
ee
ueeYe
LEAVE GRATUITY
ARB
ieseger
ENCASHMENT
ke) 1/4/2012 kees HeerJeerDees
a) PVO as at 01.04.2012
Ke) pees[sb: yeepe keer ueeiele
b) Add- Interest Cost
ie) pees[sb: eeuet mesJee ueeiele
c ) Add- Current Service Cost
Ie) IeeeW: ueeYe Yegieleeve
d) Less- Benefits Paid
*) pees[sb: efheueer mesJee ueeiele

(efveefnle ueeYe)
e) Add- Actuarial loss/gain(-) on

obligation
Ie) 31.03.2013 kees HeerJeerDees
f)
PVO as at 31.03.2013
eespevee DeeefmleeeW kes Gefele cetue kes DeejbefYeke Mes<e SJeb Debeflece Mes<e kee
meceeOeeve
7,033.55
566.01
1,416.85
446.62
563.49
44.19
110.63
35.26
1,064.59
124.64
103.90
4.72
406.69
60.66
151.78
38.46
-752.90
35.55
26.53
144.31
7,502.04
709.73
1,506.13
592.45
Reconciliation of opening & closing balance of fair value of

plan assets

HeWMeve
ke) 01-04-2012 kees eespeveeiele DeeefmleeeW
kee Gefele cetue
Ke) pees[sb: eespeveeiele DeeeqmleeeW hej mebYeeefJele
efjve&
ie) pees[sb: DebMeoeve
Ie) Ieeesb: Heoe ueeYe
*) pees[sb: yeerceebefkeke ueeYe / (-) neefve
e) 31.03.2013 kees eespeveeiele DeeefmleeeW
kee Gefele cetue
ieseger
PENSION
5,740.29
Gratuity
1,308.84
b) Add- Expected Return on Plan

Assets
459.22
104.71
c) Add- Contributions
767.51
108.01
d) Less- Benefits Paid
406.69
151.78
97.99
3.35
6,658.32
1,373.13
a) Fair Value of plan assets as

on 01-04-2012
e) Add- Actuarial gain/(-)loss

f)
Fair Value of Plan Assets as

on 31.03.2013
Amount recognized in the Balance Sheet
legueve-He$e ceW ceeve jeefMe

Deefle.
mes
J
ee
ueeYe
PENSION
GRATUITY
ENCASHMENT
ARB
kejCe
HeWMeve DeJekeeMe vekeoer
LEAVE
ieseger
ke) oeefelJe kee HeerJeer
a) PV of obligation
7,502.04
709.73
1,506.13
592.45
Ke) eespeveeiele DeeefmleeeW kee Gefele cetue
b) Fair value of plan assets
6,658.32
1,373.13
ie) Devlej
c) Difference
843.72
709.73
133.00
592.45
Ie) DeefveOee&efjle mebeceCeMeerue oselee
d) Unrecognised transitional liability
731.96
*) leguevehe$e ceW ceeve oselee
e) Liability Recognised in the BS
111.76
709.73
133.00
592.45
223
2012-13
Amount recognized in the P & L Account
ueeYe-neefve Keeles ceW efveOee&efjle jeefMe

Deefle.
mes
J
ee
ueeYe
GRATUITY
ENCASHMENT
ARB
kejCe
HeWMeve DeJekeeMe vekeoer
LEAVE
PENSION
ke)
eeuet mesJee ueeiele
a)
Current Service Cost
Ke)
yeepe ueeiele
b)
Interest Cost
ie)
eespeveeiele Deeefmle Hej mebYeeefJele

efjve&
c)
Ie)
eqveOee&efjle efheueer mesJee ueeiele (-)
*)
e)
ieseger
1,064.59
124.64
103.90
4.72
563.49
44.19
110.63
35.26
Expected Return on Plan

Assets
-459.22
-104.71
d)
Net Actuarial Loss/gain(-)
-850.88
35.55
23.18
144.31
Je<e& kes oewjeve mebeceCeere oselee
e)
Transitional liability
recognized in the year
365.98
ueeYe neefve Keeles ceW efveOee&efjle Kee&
f)
Expenses Recognised in P&L
683.96
204.38
133.00
184.29
Expected contribution for next period (2013-14)
Deieueer DeJeefOe (2013-14) kes efueS mebYeeefJele DebMeoeve

Particulars
HeWMeve / Pension
iesegerr / Gratuity
Expected contribution
500.00
80.00
efJeJejCe
mebYeeefJele DebMeoeve
investment Pattern
efveJesMe Hewve&
Particulars
efJeJejCe
Pension
Gratuity
kesvere mejkeej eefleYetefleeeb
Central Govt. Securities
23.47 %
21.03 %
jepe mejkeej eefleYetefleeeb
State Government Securities
20.01 %
25.64 %
keeheexjs (heerSmeet)
Corporate (PSU)
29.80 %
29.50 %
keeheexjs (heeFJes)
Corporate (Private)
2.82 %
1.53 %
Deve
Others
23.90 %
22.30 %
kegue
Total
100.00 %
100.00 %
224

B.2. (AS-17) Segment Reporting
Part A Business Segments
Ke-2. (S.Sme.-17) mesieceW efjHeesefie :

Yeeie - ke : keejesyeej Keb[
Business
Segment
2012-13
^spejer
keeheexjs/nesuemesue yeQeEkeie
Treasury
eeuet Je<e&
Corporate / Wholesale
Banking
efheuee Je<e&
eeuet Je<e&
efjsue yeQeEkeie
Deve yeQefkebie heefjeeueve
Retail Banking
kegue
Other Banking
Operations
Total
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
eeuet Je<e&
efheuee Je<e&
7325.07 15026.66 13132.60
9604.56
8488.31
4996.58
4150.07 38827.28 33096.05
3085.71
2782.37
2221.71
2959.73
Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year Current Yr Prev Year
Particulars
jepemJe
Revenue
9199.48
heefjCeece
Result
1070.13
Deveeyebefle
Kee&
Unallocated
Expense
887.72
-103.95
965.87
6273.60
7595.69
1442.37
1569.89
4831.23
6025.80
Income taxes
350.51
1018.84
efJeefMe< ueeYe/ Extra-ordinary

Profit/loss
neefve
4480.72
5006.96
heefjeeueveiele Operating
Profit
ueeYe
Deeekej
Meg ueeYe
Net Profit
Deve
metevee
Other
Information
mesieceW
Deeefmleeeb
Segment
Assets
Deveeyebefle
Deeefmleeeb
Unallocated
Assets
145932.25 103694.34 152789.37 140207.90 73229.18 63161.52 169832.62 135618.27 541783.42 442682.03
5352.02
kegue Deeefmleeeb Total Assets

mesieceW
oseleeSb
Segment
Liabilities
Deveeyebefle
oseleeSb
Unallocated
Liabilities
]kegue oseleeSb
Total Liabilities
efveeesefpele Hetbpeer Capital
4639.44
547135.44 447321.47
137405.34 97324.89 143861.80 131595.59 68950.36 59281.81 159909.20 127287.87 510126.70 415490.16
5039.30
4354.46
515166.00 419844.62
8526.91
6369.46
8927.57
8612.31
4278.82
3879.71
9923.42
8330.39 31656.72 27191.87
employed
Deveeyebefle
Unallocated
kegue Hetbpeer
Total Capital
312.72
31969.44 27476.85
Part B Geographic Segments
Yeeie - Ke : Yeewieesefueke Keb[ :
mesieceW
efJeJejCe
Segments
Particulars
jepemJe
Revenue
Deeefmleeeb
Assets
284.98

Iejsuet
Domestic
Debleje&êre
International
kegue
Total
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
eeuet Je<e&
Current Yr
efheuee Je<e&
Prev. Yr
33,876.70
29,063.31
4,950.58
4,032.74
38,827.28
33,096.05
3,81,404.32
3,19,459.76
1,65,731.12
1,27,861.71
5,47,135.44
4,47,321.47
225
2012-13
mesieceW efjHeesefie Hej efHHeCeer

1.
2.
3.
4.
5.
DeeF&meerSDeeF& eje mesieceW efjHeexeEie Hej peejer uesKee ceeveke S.Sme.-17

keer DevegHeeuevee nsleg Yeejleere efjpeJe& yeQke kes ceeie&efveoxMeeW kes Devegmeej yeQke ves
Yeejleere efjpeJe& yeQke eje peejer mesieceW efjHeesefie Hej S.Sme.-17 kes meeLe
DevegHeeuevee kes GsMe kes efueS ^spejer heefjeeueve, Leeske, Kegoje Deewj Deve
yeQefkebie HeefjeeueveeW kees HeeLeefceke efyepevesme mesieceW kes He ceW leLee Iejsuet
Deewj Debleje&<êre kees efleere/Yeewieesefueke mesieceW kes He ceW Deheveeee nw.
mesieceW jepemJe yeee ieenkeeW mes HeeHle jepemJe kee HeefleefveefOelJe kejlee nw.
mesieceW HeefjCeece lee kejles mecee, yeQke ves efveefOe DeblejCe cetue efveOee&jCe
HeCeeueer kees DeHeveeee nw.
Heleske mesieceW kes efueS ueieeeer ieeer Hebtpeer mesieceW keer DeeefmleeeW kees
DevegHeeefleke DeeOeej Hej Deeyebefle kej oer ieeer nw.
Deve yeQefkebie heefjeeueveeW ceW heefjCeece jepemJe leLee ueieeeer ieeer hetbpeer ceW
Debleje&êre heefjeeueveeW mes mebyebefOele Deebke[s Yeer Meeefceue nQ.
Ke-3. mebyebefOele heeea ekeerkejCe (SSme-18)
Notes on Segment Reporting

1.
As per guidelines of RBI on compliance with Accounting

Standards AS-17, The Bank has adopted Treasury
Operations, Wholesale, Retail and Other Banking
Operations as Primary business segments and
Domestic and International as secondary / geographic
segments for the purpose of compliance with AS-17 on
segment Reporting issued by ICAI.
2.
Segment revenue represents revenue from external

customers.
3.
In determining the segment results, the funds transfer

price mechanism followed by the bank has been used.
4.
Capital employed for each segment has been allocated

proportionate to the assets of the Segment.
5.
Results, Revenue and Capital Employed of International

operations are included in other banking operations.
B-3. Related Party Disclosures (AS 18)

Names of the Related Parties and their relationship with
the Bank:
mebyebefOele heeef&eeW kes veece SJeb yeQke kes meeLe Gvekes mebyebOe
ke) Deveg<ebefieeeb
i)
yee@ye kewefheue ceekex efueefces[
ii)
yee@ye kee[&dme efueefces[
iii)
vewveerleeue yeQke efueefces[
iv) yeQke Dee@He ye[ewoe (yeeslmeJeevee) efueefces[
v)
yeQke Dee@He ye[ewoe (kesefveee) efueefces[
vi) yeQke Dee@He ye[ewoe (etieeb[e) efueefces[
vii) yeQke Dee@He ye[ewoe (iegeevee) DeeF&Svemeer.
viii) yeQke Dee@He ye[ewoe (etkes) efueefces[
ix) yeQke Dee@He ye[ewoe (lebpeeefveee) efueefces[
x)
ye[ewoe kewefheue ceekexdme (etieeb[e) efueefces[
(yeQke Dee@He ye[ewoe etieeb[e efueefces[ keer Deveg<ebieer)
xi) yee@ye ef$eefveoeo Je esyeeiees efue.
xii) yeQke Dee@]He ye[ewoe (Ieevee) efue.
xiii) yeQke Dee@]He ye[ewoe (vetpeerueQ[) efue.
(Ke) meneesieer FkeeFeeb
(a) Subsidiaries
iii)
226
Fbef[ee Hem& ueeFHe FbMetjWme keb. efue.

Fbef[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.
Fbef[ee Fvee[sy efue.
(ii)
BOB Cards Limited
(iii)
The Nainital Bank Limited
(iv)
Bank of Baroda (Botswana) Limited
(v)
Bank of Baroda (Kenya) Limited
(vi)
Bank of Baroda (Uganda) Limited
(vii)
Bank of Baroda (Guyana) Inc.
(ix)
Bank of Baroda (Tanzania) Limited
(x)
Baroda Capital Markets (Uganda) Limited.

(Subsidiary of Bank of Baroda Uganda Ltd.)
(xi)
BOB Trinidad & Tobago Ltd.
(xii)
Bank of Baroda (Ghana) Ltd.
(xiii) Bank of Baroda (New Zealand) Ltd.

(b)
ye[ewoe Gej eosMe eeceerCe yeQke

ii)
ye[ewoe jepemLeeve #esef$ee eeceerCe yeQke
iii)
ye[ewoe iegpejele eeceerCe yeQke
iv) ye[ewoe Heeeesefveej Smes cesvespeceW keb. efue.
v)
Fb[es peebefyeee yeQke efueefces[
vi) ye[ewoe Heeeesefveej ^mer keb. ee. efue.
(ie) mebege Gheece
ii)
BOB Capital Markets Limited
(viii) Bank of Baroda (UK) Limited
i)
i)
(i)
(c)
Associates
(i)
Baroda Uttar Pradesh Gramin Bank
(ii)
Baroda Rajasthan Kshetriya Gramin Bank
(iii)
Baroda Gujarat Gramin Bank
(iv)
Baroda Pioneer Asset Management Company

Limited
(v)
Indo Zambia Bank Limited
(vi)
Baroda Pioneer Trustee Company Private Limited
Joint Ventures
(i)
India First Life Insurance Company Ltd.
(ii)
(iii)
India Infradebt Limited

(d) Key Management Personnel:
(Ie) ecegKe eyebOeve DeefOekeejer

S.No
veece
Current Year
3,49,654
Previous Year
-
eer Sce.[er.ceuee
32,45,265
25,37,459
24,02,674
21,97,317
13,26,419
21,22,495
12,22,208
12,00,790
eer jbpeve OeJeve
6,65,588
Shri M. D. Mallya
3

4
Shri N. S. Srinath
5

6
Shri P. Srinivas
7
Designation
eer Sme.Sme.cetbo[e
Shri S. S. Mundra
2
heeefjeefceke Remuneration
eeuet Je<e&
efheuee Je<e&
heoveece
Name
2012-13
Shri Ranjan Dhawan
Chairman & Managing Director (w.e.f. 21st Jan 2013)

Chairman & Managing Director (upto 30th November 2012)
Executive Director (upto 31st October 2012)
Executive Director (upto 31st May 2012)
Executive Director (w.e.f. 18th June 2012)
Executive Director (w.e.f. 01st November 2012)
DeeF&meerSDeeF& eje peejer mebyebefOele heeea ef[mkeueespej kes S Sme-18 kes hewje 9 kes
cesvepej Deveg<ebefieeeW Deewj meneesieer yeQkeeW kes meeLe mebJeJenej kee ekeerkejCe veneR
efkeee ieee nw, pees jepe efveeefv$ele GheeceeW kees Deve mebyebefOele heeef&eeW kes meeLe
Deheves uesve-osveeW mes mebyebefOele efkemeer ekeej kee ekeerkejCe kejves mes jeskelee nw, pees
Yeer jepe efveebef$ele nw.
Ke-4. eefle Mesej Depe&ve (SSme-20)
efJeJejCe
Particulars
kej kes yeeo Meg ueeYe (`. kejes[ ceW)

MesejeW keer mebKee (Jess[)
eefle Mesej yegefveeeoer Je [eeuets[ Depe&ve
eefle Mesej Debefkele keercele
B-4. Earning Per Share (AS-20)
eeuet Je<e&
Net profit after tax (` in Crores)
Previous Year
5,006.96
Number of Shares (weighted)
41,16,78,611
39,16,53,059
Basic & diluted earning per share
`108.84
` 127.84
Nominal value per share
` 10.00
` 10.00
DeeF&meerSDeeF& eje peejer Deee Hej kej keer ieCevee nsleg SSme-22 keer pejleeW
kee yeQke ves Heeueve efkeee nw leLee leodvegmeej DeemLeefiele kej Deeefmleeeb leLee
oseleeSb efveOee&efjle keer ieF& nQ. 31 ceee&, 2013 kees DeemLeefiele kej oseleeDeeW
kee ves yewueWme `88.81 kejes[ nw, pees Fme ekeej nw :Particulars
B-5. Accounting for Taxes on Income (AS-22)

The Bank has complied with the requirements of AS
22 on Accounting for Taxes on Income issued by ICAI
and accordingly deferred tax assets and liabilities are
recognized. The net balance of deferred tax assets as on
31st March 2013 amounting to ` 88.81 Crores consists of
the following:
31.03.2013
31.03.2012
Deeefmleeeb
Deeue DeeefmleeeW hej Deeekej DeefOeefveece kes lenle Difference between book depreciation and
Depreciation under Income Tax Act on
yener cetueeme leLee cetueeme ceW Deblej
fixed assets
Deeekej DeefOeefveece, 1961 keer Oeeje 36(1)(viii) Deduction under section 36 (1) (viii) of the
Income-Tax Act, 1961
kes Devleie&le keewleer
heefjhekeJelee kes efueS Oeeefjle (SeerSce) eefleYetefleeeW Depreciation on HTM Securities
hej cetueeme
efheuee Je<e&
Current Year
4,480.72
Ke-5. Deee kej keer ieCevee (SSme-22)
efJeJejCe
The transactions with the Subsidiaries and Associate Banks

have not been disclosed in view of para 9 of the (AS) -18
Related Party Disclosures issued by ICAI, which exempts
state controlled enterprises from making any disclosure
pertaining to transactions with other related state controlled
enterprises.
oselee
Deeefmle
oselee
Asset
-
Liability
44.44
Asset
-
Liability
89.93
92.73
426.45
227
2012-13
efJeJejCe
Particulars
31.03.2013
Deeefmleeeb
Deeekej DeefOeefveece keer Oeeje 40 (S) (DeeF&S) kes
Devleie&le iewj Devegcele jeefMe
DeJekeeMe vekeoerkejCe kes efueS eeJeOeeve
mebefoiOe $e+CeeW leLee DeeqeceeW (efJeosMeer) kes efueS
eeJeOeeve
pees[
Meg DeemLeefiele kej Deeefmleeeb/ (oseleeSb)
Liability
Provision for leave encashment
221.16
Provision for doubtful debts and

advances (foreign)
Amount disallowed U/S 40 (a) (ia) of the

IT Act
Total:
Net Deferred Tax Assets/(Liabilitiy)
Deeefmle
oselee
Asset
9.84
Liability
-
174.43
3.08
76.14
225.98
137.17
260.41
516.38
88.81
(255.97)
B-6. Discontinuing operations (AS 24)

During the financial year 2012-13 the bank has not
discontinued the operations of any of its branches, which
resulted in shedding of liability and realization of the assets
and no decision has been finalized to discontinue an
operation in its entirety, which will have the above effect.
B-7. Impairment of Assets (AS-28)
In view of the absence of indication of material impairment
within the meaning of clause 5 to clause 13 of AS 28
Impairment of Assets, no impairment of fixed assets is
required in respect of current financial year.
B-8. Provisions, Contingent Liabilities and Contingent Assets
(AS-29)
B-8.1 Movement of provisions for Liabilities (excluding
provisions for others)
Particulars
Legal Cases / contingencies
Current Year
Previous Year
Balance as on 1st April 2012
10.01
8.70
Provided during the year
34.50
1.31
44.51
10.01
Balance as on 31st March 2013

Timing of outflow / uncertainties
yeQke ves Ske veerefle efveOee&efjle keer nw efpemekes Devegmeej yeQke kes efJe oeJeeW kees $e+Ce
kes he ceW mJeerkeej veneR efkeee peelee nw.
Ke-8.2 Deekeefmceke oseleeSb

leguevehe$e kes Mes[etue 12 kes e.meb.(i) mes (iv) ceW G=le Ssmeer oseleeSb Deoeuele
kes efveCe&e, hebe Hewmeues, Deoeuele kes yeee efvemleejCe, Deheerue kee efveheeje
hej efveYe&j kejleer nQ. Ssmes ceeceueeW ceW keesF& heeflehete|le Dehesef#ele veneR nw.
ie. uesKeeW Hej Deve efHHeefCeeeb
ie-1. yeefneeW kee efceueeve SJeb meceeOeeve
Deblej keeee&uee meceeeespeve kes Debleie&le uesKeeW kes efJeefYeVe Meer<eeX ceW veeces SJeb
pecee keer yekeeee heefJeeqeeW kes heejbefYeke efceueeve kee keee& meceeOeeve kes
heeespeve nsleg 31.03.2013 leke kej efueee ieee nw. FmeceW Gefele meceeOeeve
kee keee& heieefle hej nw.
ie-2. Hetbpeer
Je<e& kes oewjeve, yeQke ves efveosMeke ceb[ue kes Devegceesove mes mesyeer DeeF&meer[erDeej
efJeefveeceve kes efJeefveece 76(1) kes Devegmeej Yeejleere peerJeve yeercee efveiece kees
efheHejWefMeeue DeeOeej hej `.10/- heleske kes 1,01,32,920 FeqkeJeer MesejeW kees
228
oselee
Asset
1.74
Ke-6. Heefjeeueve yebo kejvee (SSme 24)

efJeeere Je<e& 2012-13 kes oewjeve yeQke ves Deheveer efkemeer Yeer MeeKee kees
yebo kejves mebyebOeer keee&Jeener veneR keer nw, efpememes efke oseleeDeeW kees kece
kejkes DeeeqmleeeW keer Jemetueer keer pee mekes Deewj mebhetCe& yeQke mlej hej Deheves
heefjeeueve ceW efkemeer keee&Jeener keer meceeeqhle, efpememes Ghejese heYeeJe he[s,
mebyebOeer efveCe&e veneR efueee ieee nw.
Ke-7. DeeefmleeeW kee Devepe&ke yevevee (SSme-28)
uesKee ceeveke-28 DeeefmleeeW kee FbhesejceW kes Keb[ 5 mes Keb[ 13 kes
Debleie&le keesF& cenlJehetCe& GuuesKe ve nesves kes heuemJehe eeuet efJeeere Je<e& ceW
Deeue mebheefe kee keesF& Yeer FbhesejceW pejer veneR nw.
Ke-8. eeJeOeeve, Deekeefmceke oseleeSb leLee Deekeefmceke Deeefmleeeb (SSme-29)
Ke-8.1 oseleeDeeW kes efueS eeJeOeeveeW kee mebeueve (Deve kes efueS eeJeOeeveeW
kees es[kej)
efJeJejCe
cegkeoceW / Deekeefmceke Keex
1 Deewue 2012 kees Mes<e
Je<e& kes oewjeve eoe
31 ceee& 2013 kees Mes<e
DeeGHeuees/DeefveefMeleleeDeeW kee mecee

31.03.2012
eeuet Je<e&
efheuee Je<e&
mesueceW / efemueeFpesMeve hej DeeGHeuees
Outflow on settlement/crystallization
The Bank has provided for claims against it, which have not been
acknowledged as debt as per the policy framed by it.
B-8.2 Contingent Liabilities
Such liabilities as mentioned at Serial No (I) to (VI) of
Schedule 12 of Balance Sheet are dependent upon the
outcome of court judgement / arbitration awards / out of
court settlement / disposal of appeals. No reimbursement
is expected in such cases.
C. Other Notes to Accounts
C-1. Balancing of Books and Reconciliation
Initial matching of debit and credit outstanding entries
in various heads of accounts included in Inter office
Adjustments has been completed upto 31.03.2013, the
reconciliation of which is in progress.
C-2. Capital
During the year, the Bank has allotted 1,01,32,920 equity
shares of ` 10/- each at a premium of ` 828.85 per share
to Government of India as determined by the Board in
accordance with regulation 76 (1) of SEBI Issue of Capital
and Disclosures Requirements Regulation on preferential
ie-3.
ie-4.
ie-5.
ie-6.
ie-7.
`.828.85 heefle Mesej kes heerefceece hej Deeyebefle efkeS nQ. Fmekes HeuemJehe,
yeQke kees `.850.00 kejes[ keer kegue jeefMe hetbpeer kes he ceW heehle ngF&.
Hetbpeeriele Heejef#ele efveefOe
hetbpeeriele eejef#ele efveefOe ceW Deeue mebheefeeeW kes hegvece&tueebkeve kes heuemJehe
nesves Jeeueer cetueJe=ef leLee ueIeg / ceOece GeesieeW kes efueS efveee&le efJekeeme
heefjeespeveeDeeW nsleg efJee yeQke keer eespeveeDeeW kes Debleie&le Yeejle mejkeej keer
DebMeoeve jeefMe Meeefceue nw.
efveJesMe
ie-4.1 Yeejleere efjp] eJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej Je<e& kes oewjeve yeQke
ves efyeeer kes efueS GheueyOe esCeer ceW efJeeceeve mejkeejer heelf eYetelf eeeW
(SmeSueDeej) kes Ske Yeeie kees heefjhekeJelee leke Oeeefjle esCeer ceW Debleefjle
kej efoee nw. 20.69 kejes[ heS (iele Je<e& 46.64 kejes[ heS) kes
heefjCeeceer cetueeme kees ueeYe SJeb neefve uesKes ceW heYeeefjle kej efoee ieee
nw.
ie-4.2 heefjhekeJelee leke Oeeefjle esCeer kes lenle jKes iees efveJesMe keer efyeeer
hej ueeYe jeefMe `47.45 kejes[ kees ueeYe SJeb neefve Keeles ceW efueee ieee
nw Deewj Gmekes yeeo ` 24.04 kejes[ kees hetbpeeriele heejef#ele efveefOe ceW
kejeW kees Meg ceW meceeeesefpele efkeee ieee nw leLee yeQeEkeie efJeefveeceve
DeefOeefveece 1949 keer Oeeje 17 kes Debleie&le ` 8.01 kejes[ meebefJeefOeke
heejef#ele efveefOe kees Debleefjle efkeee ieee nw.
kejeW kes efueS HeeJeOeeve
ie-5.1 kejeW nsleg HeeJeOeeve, DeHeerueere HeeefOekeeefjeeW kes efveCe&eeW kees Oeeve ceW
jKeles ngS Je DeefOeJekelee kes HejeceMe& mes efkeee ieee nw.
ie-5.2. Deve Deeeqmleeeb Meer<e&ke kes Debleie&le oMee&eer Deefiece kej Deoeeieer
eesle hej kej keer keewleer jeefMe ceW efJeJeeoemheo kej ceebieeW kes mebyebOe
ceW yeQke eje Yegieleeve keer ieF& / efJeYeeie eje meceeeesefpele jeefMe
`3,374.52 kejes[ (efheues Je<e& `1,993.11 kejes[) Meeefceue nw.
Deeekej keer efJeJeeoemheo ceebieeW kes efueS veeefeke efveCe&eeW Deewj / ee
keevetveer hejeceMe& DeefOekeejer keer jee kees Oeeve ceW jKeles ngS Fme ceo
kes efueS keesF& heeJeOeeve veneR efkeee ieee nw. kej efveOee&jCe DeefOekeejer
eje efkees iees heefjJele&ve / ceveener yeveees jKeves ueeeke veneR nw.
ie-5.3 yeQke ves Deeekej DeefOeefveece 1961 keer Oeeje 36(1)(yeQke ves Deeekej
DeefOeefveece 1961 keer Oeeje 36(1)(viii) kes Debleie&le hee$e JeJemeee kes
mebyebOe ceW, pees Ge Oeeje ces efJeefvee|o nw, keewleer nsleg oeJee efkeee nw.
leovegmeej efJeeere Je<e& 2012-13 kes oewjeve ` 850.00 kejes[ (efheues
Je<e& `533.85 kejes[)efJeMes<e heejef#ele efveefOe Keeles ceW Devleefjle kej efoS
nw. leLee Fmes Deve heejef#ele efveefOe kes Debleie&le efjhees& efoee peelee nw.
Heefjmej
ie-6.1 yeQke keer kegue ` 65.30 kejes[ (cetue ueeiele) (efheues Je<e& ` 78.37
kejes[ ) keer keg mebheefeeeW kes mebyebOe ceW nmleeblejCe efJeuesKe kee efve<heeove
nesvee yeekeer nw.
ie-6.2 yeQke keer keg mebheefeeeW keer hegvecet&ueebefkele jeefMe kee GuuesKe efkeee ieee
nw. Je<e& kes Deble ceW heefjmej Meer<e& kes Debleie&le kegue ` 1,778.33 kejes[
(efheues Je<e& ` 1,777.43 kejes[), efJeosMeer keeee&ueeeW kees ` 31.45
kejes[ (efheues Je<e& ` 30.55 kejes[) keer jeefMe meefnle hegvecet&ueebefkele jeefMe
kees Meeefceue efkeee ieee nQ. Meg cetueeme kes mebyebOe ceW hegvecet&ueebefkele
jeefMe ` 1,104.26 kejes[ (efheues Je<e& `1,173.68 kejes[) nQ.
ie-6.3 heefjmej kes Debleie&le efvecee&CeeOeerve / keypes ceW ueer peevesJeeueer ` 98.73
kejes[ (efheues Je<e& ` 51.87 kejes[) keer mebheefeeeb Meeefceue nQ.
yee@ye efHemekeue mee|Jemespe efueefces[ (yee@ye SHeSmeSue), hetJe& ceW hetCe& he mes yeQke Dee@H] e
ye[ewoe keer Deveg<ebieer eje 24.09.1990 kees kebheveer kees mJeweq ke he mes meceehle
kejves kee efJeMes<e mebkeuhe heeefjle efkeee ieee Deewj Gmekes efueS Ske heefjmeceeheke
keer efveegef e kej oer ieeer.
2012-13
basis. The total amount of capital received by the Bank on

this account is ` 850.00 Crores.
C-3. Capital Reserves
Capital Reserve includes appreciation arising on revaluation
of immovable properties and amount subscribed by
Government of India under the World Banks Scheme for
Export Development Projects for small / medium scale
industries.
C-4. Investments
C-4.1 In terms of RBI Guidelines, the bank has transferred a
portion of Government Securities (SLR) kept in Available
for Sale category to Held to Maturity category during the
year. The resultant depreciation of ` 20.69 Crores (previous
year ` 46.64 Crores) has been charged to the Profit & Loss
Account.
C-4.2Profit on sale of investments held under Held to maturity
category amounting to ` 47.45 Crores on redemption
of units of Venture Capital funds has been taken to the
Profit and Loss Account initially and thereafter an amount
of ` 24.04 Crores has been appropriated to the Capital
Reserve net of taxes and ` 8.01 crores has been transferred
to Statutory Reserve under section 17 of the Banking
Regulation Act, 1949.
C-5 Provision for Taxes
C-5.1 Provision for Taxes has been arrived at after due
consideration of decisions of the appellate authorities and
advice of counsels.
C-5.2 Tax paid in advance /tax deducted at source appearing
under Other Assets amounting to ` 3,374.52 Crores
(previous year ` 1,993.11 Crores) represents amount
adjusted by the Department / paid by the Bank in respect
of disputed tax demands for various assessment years.
No provision is considered necessary in respect of the
said demands, as in the banks view, duly supported
by counsels opinion and / or judicial pronouncements,
additions / disallowances made by the Assessing Officer
are not sustainable.
C-5.3 The Bank has claimed deduction under section 36(1) (viii) of
the Income-tax Act,1961 in respect of the eligible business
as specified in the said section and has accordingly
transferred a sum of ` 850.00 Crores (previous year
` 533.85 crores) to the corresponding Special Reserve
account during the financial year 2012-13 and reported
under Other Reserve.
C-6. Premises
C-6.1 Execution of conveyance deeds is pending in respect of
certain properties amounting to ` 65.30 Crores (Previous
Year ` 78.37 Crores) (Original Cost).
C-6.2 Certain properties of the Bank are stated at revalued
amounts. The gross amount of revaluation included in
cost of premises as at end of the year is ` 1,778.33 Crores
(previous year ` 1,777.43 crores) including ` 31.45 Crores
at overseas offices (previous year ` 30.55 crores). The
revalued amount net of depreciation is ` 1,104.26 Crores
(Previous Year ` 1,173.68 Crores).
C-6.3 Premises include assets under construction/acquisition
amounting to ` 98.73 Crores (Previous Year ` 51.87 Crores).
C-7. BOB Fiscal Services Limited (BOBFSL), erstwhile wholly
owned subsidiary of Bank of Baroda (BOB), had passed a
special resolution for voluntary winding up of the Company
on 24.09.1990 and the Liquidator was appointed for the
same.
229
2012-13
yee@ye efHemekeue mee|Jemespe efueefces[ ves yeQke Dee@]He ye[ewoe kes meeLe Ske
mecePeewlee efkeee efpemekes lenle efoveebke 28.02.1991 mes yee@ye SHeSmeSue
keer mebhetCe& Deeeqmleeeb SJeb oseleeSb Gmekes hetCe& JeJemeee kes meceeheve kes
HeuemJehe Ske ieesFbie kebmeve&/efyeeer kes he ceW yeQke Dee@]He ye[ewoe kees
mLeeveebleefjle kej efoS ieS. etbefke kebheveer efJeeejeOeerve keevetveer ceeceues kes
keejCe hetCe& he mes heefjmeceehle veneR keer pee mekeleer Leer Dele: efoveebke
30 ceee& 2007 kees yee@ye SHeSmeSue keer Jeee|<eke meeceeve yew"ke ceW
yee@ye SHeSmeSue kees yeQke Dee@]He ye[ewoe ceW Meeefceue kejves kee efveCe&e efueee ieee.
efveosMeke ceb[ue eje yeQke Dee@H] e ye[ewoe kes meeLe cewmeme& yee@ye efHemekeue mee|Jemesme efue.
kes meceecesueve kees yeQke keer efoveebke 28.01.2009 kees Deeeesepf ele yes"ke ceW Devegceeseof le
efkeee ieee Deewj Ge veeeeuee kes meccegKe yee@ye kes meeLe yee@ye SHeSmeSue
meceecesueve nsleg DeeJeMeke eeefekee ope& kejves kes efueS eyebOeve kees heeefOeke=le efkeee.
ie-8 yeQke ves Yeejleere efj]peJe& yeQke kes he$e meb.etyeer[er.meerDees.SceF&DeejDeesF&Deej veb.
7814/09.16.901/2010.11 efo. 4 ceee&, 2011 ceW efoS ieS Devegceesove kes
Devegmeej cesceve kees-Dee@hejsefJe yeQke efueefces[ keer efJeefvee|o DeeeqmleeeW SJeb
oseleeDeeW kee DeefOeienCe efoveebke 18.04.2011 kees efkeee. eejbefYeke He mes
[erDeeF&meerpeermeer oeJee mes efceueves Jeeueer jeefMe ` 61.10 kejes[ kees Oeeve ceW
jKeles ngS ` 149.25 kejes[ kes Iees keer ieCevee keer ieF& Leer. Ge DeefOeienCe
kes heefjCeecemJehe ` 149.25 kejes[ kes ngS Iees ceW mes yeQke ves efJeeere Je<e&
2011-12 kes oewjeve Yeejleere efj]peJe& yeQke kes he$e meb. [eryeerDees[er.meb.yeerheer.
1311/21.01.048/2012-11 efo. 25 pegueeF&, 2011 ceW efoS ieS Devegceesove
kes Devegmeej ` 49.75 kejes[ keer jeefMe ueeYe SJeb neefve Keeles ceW heYeeefjle keer
nw Deewj ` 99.50 kejes[ keer jeefMe efJeeere Je<e& 2013-14 leke keer Mes<e DeJeefOe
kes oewjeve Deevegheeefleke he mes heYeeefjle kejves kes efuees Deeies mLeeveebleefjle
keer ieF&. efJeeere Je<e& 2012-13 kes oewjeve yeQke eje [erDeeF&meerpeermeer mes
Debeflece efvemleejCe kes he ceW `.23.75 kejes[ heehle keer ieF&, heefjCeecemJehe
`.37.35 kejes[ kee Ieee Deewj ye{ ieee. leovegmeej eeuet efJeeere Je<e& kes
oewjeve ueeYe SJeb neefve Keeles ceW `.74.64 kejes[ (`.49.75 kejes[, cetue Ieee
`.149.25 kejes[ kee Ske efleneF& SJeb `.24.89 kejes[, [erDeeF&meerpeermeer oeJeeW
ceW `.37.35 kejes[ kes Iees kee oes efleneF&) heYeeefjle keer ieF&.Mes<e `.62.20
kejes[ (cetue Ieee `.149.25 kejes[ kee Ske efleneF& SJeb [erDeeF&meerpeermeer oeJee
heeeqhle ceW Iees kee Ske efleneF& `.12.45 kejes[) Deieues efJeeere Je<e& 2013-14
kes oewjeve heYeeefjle keer peeSieer.
ie-9 yeQke ves peceeveleer DeJeceeveke DeefieceeW hej 15% keer efJeefveeeceke DeeJeMekelee
keer leguevee ceW 20% kee heeJeOeeve efkeee nw.
Fmekes Deefleefje yeQke ves keg Devepe&ke Iejsuet Deefiece KeeleeW ceW 31 ceee& 2013
kees ` 136.75 kejes[ (efheues Je<e& ` 342.79 kejes[) kee Deefleefje leoLe&
heeJeOeeve efkeee nw.
ie-10 Yeejle mejkeej eje peejer DeefOemetevee efoveebke 01/11/2012 kes Devegmeej
mejkeejer jepehe$e ceW DeefOemetevee hekeeefMele nesves keer efleefLe mes yeQke Dee@He
ye[ewoe eje heeeesefpele PeeyegDee-Oeej #es$eere ieeceerCe yeQke SJeb vewveerleeueDeucees[e #es$eere ieeceerCe yeQke kee eceMe yeQke Dee@He Fbef[ee eje heeeesefpele
vece&oe PeeyegDee ieeceerCe yeQke leLee Yeejleere ms yeQke eje heeeesefpele
GejeKeb[ ieeceerCe yeQke ceW meceecesueve kej efoee ieee.
Yeejle mejkeej eje peejer DeefOemetevee efoveebke 01 peveJejer, 2013 kes
Devegmeej, n[ewleer #es$eere ieeceerCe yeQke (meWûe yeQke Dee@He Fbef[ee eje
heeeesefpele) SJeb jepemLeeve ieeceerCe yeQke (hebpeeye vesMeveue yeQke eje heeeesefpele)
kees ye[ewoe jepemLeeve ieeceerCe yeQke (yeQke Dee@He ye[ewoe eje heeeesefpele) ceW
meceecesefuele kej efoee ieee. meceecesueve kes mecee, mejkeejer jepehe$e ceW
DeefOemetevee peejer nesves keer efleefLe mes ye[ewoe jepemLeeve ieeceerCe yeQke kee veece
yeouekej ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke kej efoee ieee.
ie-11 ceewpetoe DeJeefOe / Je<e& kes JeieeakejCe kes leoveghe, peneb keneR DeeJeMeke nw,
efheueer DeJeefOe / Je<e& kes Deebke[eW kees hegve: mecetnerke=le / hegve: JeJeeqmLele efkeee
ieee nw.
230
BOBFSL had entered into an agreement with BOB

pursuant to which entire assets and liabilities of BOBFSL
were transferred to BOB as a going concern / as sale in
liquidation of the entire business w.e.f. 28.2.1991. As the
Company could not be liquidated due to pending legal
cases, a decision to merge BOBFSL with BOB was taken
in the Annual General Meeting of BOBFSL held on 30th
March 2007.
The Board of Directors of BOB has approved the merger
of BOBFSL with BOB in its Board meeting on 28.01.2009
and authorized the Management to file necessary petition
for merger of BOBFSL with BOB before the Bombay High
Court.
C-8. The Bank has taken over specified Assets & Liabilities of The
Memon Co-operative Bank Ltd on 18th April, 2011 as per
approval granted by RBI vide letter no. UBD.CO.MEROER
No. 7814/09.16.901/2010.11 dated 04th March, 2011.
Initially, ` 149.25 crores of deficit was calculated considering
` 61.10 crores as receivable from DICGC claims. Out of
the deficit of ` 149.25 Crores on account of the said take
over, the Bank has proportionately charged ` 49.75 Crores
of the said deficit to the Profit and Loss Account during the
financial year 2011-12 as approved by RBI vide letter no.
DBOD.No.BP.1311/21.04.048/2010-11 dated 25th July,
2011 and an amount of ` 99.50 crores was carried forward
to be charged proportionately during the remaining period
till the financial year 2013-14. During the financial year
2012-13, ` 23.75 crores has been received by the Bank
from DICGC as final settlement and consequently the deficit
increased by ` 37.35 crores. Accordingly, an amount of
` 74.64 crores (` 49.75 crores being 1/3rd of original deficit
of ` 149.25 crores and ` 24.89 crores being 2/3rd of deficit
of DICGC claims of ` 37.35 crores) is charged to Profit
and Loss Account during the current financial year. The
balance amount of ` 62.20 crores (1/3rd of original deficit of
` 149.25 crores and 1/3rd of deficit of DICGC claim receipt
of ` 12.45 crores) will be charged during the next financial
year 2013-14.
C-9. The Bank has made provision @ 20% on the Secured Substandard Advance as against the Regulatory requirement
of 15%.
Further the Bank has made an additional ad-hoc provision
of `136.75 Crores for the year ended March 31, 2013
(previous year ` 342.79 Crores) in certain non performing
domestic advance accounts.
C-10.As per the Government of India notification dated 01st
November 2012, Jhabua Dhar Kshetriya Gramin Bank
and Nainital Almora Kshetriya Gramin Bank sponsored by
Bank of Baroda were amalgamated into Narmada Jhabua
Gramin Bank under the sponsorship of Bank of India and
Uttarakhand Gramin Bank under the sponsorship of State
Bank of India respectively, from the date of publication of
the notification in the Official Gazette.
Further, as per the Government of India notification
dated 1st January 2013, Hadoti Kshetriya Gramin Bank
(sponsored by Central Bank of India), and Rajasthan
Gramin Bank (sponsored by the Punjab National Bank)
were amalgamated with Baroda Rajasthan Gramin Bank
(sponsored by Bank of Baroda). On amalgamation, the
name of Baroda Rajasthan Gramin Bank was changed to
Baroda Rajasthan Kshetriya Gramin Bank from the date of
publication of the notification in the Official Gazette.
C-11. Figures of previous year have been regrouped/ rearranged
wherever considered necessary to conform to current years
presentation.
2012-13
31 ceee& 2013 kees meceehle Je<e& kes efueS vekeoer eJeen efJeJejCe
Statement of Cash Flow for the year ended 31st March, 2013
(` in 000's
31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
4831,22,96
6025,79,75
Year ended
31.03.2013
ke. Heefjeeueve keee&keueeHeebs mes vekeoer HeJeen :
A.
Year ended
31.03.2012
Cash flow from operating activities:
kej mes HetJe& Meg ueeYe
net Profit before taxes
efvecveefueefKele kes efueS meceeeespeve :
Adjustments for:
Deeue DeeefmleeeW Hej cetueeme
Depreciation on fixed assets
300,63,71
276,56,52
efveJesMeeW Hej cetue eme

(HeefjHekeJe $e+CeHe$eeW meefnle)
Depreciation on investments
(including on Matured debentures)
225,45,52
236,32,83
yes Keeles [eues ieS DeMeesOe $e+Ce /

iewj efve<Heeoke DeeefmleeeW kes efueS HeeJeOeeve
Bad debts written-off/Provision in

respect of non-performing assets
3449,44,24
1865,19,16
ceeveke DeeefmleeeW kes efueS HeeJeOeeve
Provision for Standard Assets
393,80,02
448,16,58
Deve ceoeW kes efueS HeeJeOeeve (efveJeue)
Provision for Other items (Net)
99,22,65
5,13,96
Deeue DeeefmleeeW keer efyeeer mes ueeYe/(neefve)

(efveJeue)
Profit/(loss) on sale of fixed assets

(Net)
79,63
-8114
ieewCe $e+CeeW Hej yeepe nsleg Yegieleeve/HeeJeOeeve,

(Deueie mes ef}ee ieee)
Payment/provision for interest on

subordinated debt (treated separately)
930,27,55
914,36,03
Deveg<ebieer FkeeFeeW/Deve mes HeeHle ueeYeebMe

(Deueie mes ef}ee ieee)
Dividend received from subsidiaries/

others (treated separately)
(38,32,24)
(25,57,86)
GHe-pees[
Sub total
10192,54,04
9745,15,83
efvecveefueefKele kes ef}S meceeeespeve :
Adjustments for:
efveJesMeeW ceW (Je=ef) /keceer
(Increase)/Decrease in investments
(38081,04,24)
(12216,12,13)
DeefieceeW ceW (Je=ef) /keceer
(Increase)/Decrease in advances
(44257,91,38)
(60566,12,42)
Deve DeeefmleeeW ceW (Je=ef) /keceer
(increase)/Decrease in other assets
1902,20,89
(3321,50,31)
GOeej jeefMeeeW ceW Je=ef /(keceer)
Increase/(Decrease)in borrowings
2903,93,06
1076,82,45
pecee jeefMeeeW ceW Je=ef / (keceer)
Increase/(Decrease) in deposits
89012,23,16
79431,62,40
Deve oseleeDeeW leLee HeeJeOeeveesb ceW Je=ef /(keceer)
Increase/(Decrease) in other liabilities

and provisions
2853,04,48
1952,31,61
Heoe Hele#e kej (efjHeb[ keer efveJeue jeefMe)
Direct taxes paid (Net of Refund)
(1731,91,90)
(1695,67,09)
Heefjeeueve keee&keueeHeeW mes Meg vekeoer (ke)
net cash from operating activities (A)
22793,08,11
14406,50,34
231
2012-13
(` in 000's
31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
(518,01,79)
(434,53,80)
35,98,05
40,55,67
Year ended
31.03.2013
Ke. efveJesMe mebyebOeer keee&keueeHeeWW mes vekeoer HeJeen
B.
Year ended
31.03.2012
Cash flow from investing activities:
Deeue DeeefmleeeW keer Kejero / DeblejCe
Purchase/ Transfer in of fixed assets
Deeue DeeefmleeeW keer efyeeer / DeblejCe
Sales/ Transfer out of fixed assets
JeeHeej mebyebOeer efveJesMeeW ceW HeefjJele&ve

(Deveg<ebieer SJeb Deve)
Deveg<ebieer FkeeFeeW/DeveeW mes HeeHle }eYeebMe
Changes in Trade related investments

(Subsidiaries & others)
(328,73,71)
31,02,38
Dividend received from subsidiaries/

others
net cash used in investing activities (B)
38,32,24
25,57,86
(772,45,21)
(337,37,89)
10,13,29
19,57,73
efveJesMe mebyebOeer keee&keueeHeeW mes Meg vekeoer (Ke)
ie. efJeeHees<eCe mebyebOeer ieefleefJeefOeeeW mes vekeoer HeJeen : C.
Cash flow from financing activities:
Mesej hetBpeer
Share Capital
Mesej Heerefceece
Share premium
839,86,71
1625,11,20
iewj peceeveleer ieewCe yeeb[
Unsecured Subordinated Bonds
102,30,00
188,37,19
ueeYeebMe kej meefnle eoe ueeYeebMe
Dividend paid including dividend tax
(812,29,04)
(753,35,20)
iewj peceeveleer ieewCe yeeb[eW

hej eoe / ose yeepe
efJeeHees<eCe ieefleefJeefOeeeW mes Meg vekeoer (ie)
Interest paid / payable on unsecured

subordinated bonds
(930,27,55)
(914,36,03)
net cash from financing activities (C)
(790,26,59)
165,34,89
vekeoer SJeb vekeoer mecelegue

ceW Meg Je=ef (ke)+(Ke)+(ie)
Je<e& kes eejbYe ceW vekeoer Je vekeoer mecelegue
net increase in cash & cash

equivalents (A)+(B)+(C)
21230,36,31
14234,47,34
Cash and cash equivalents as at the

Cash and cash equivalents as at the
end of the year
notes:
64168,54,12
49934,06,78
85398,90,43
64168,54,12
Je<e& kes Deble ceW vekeoer Je vekeoer mecelegue

efhheCeer:
1.
1.
vekeoer leLee vekeoer mecelegue ceW neLe ceW vekeoer,
Yeejleere efj]peJe& yeQke SJeb Deve yeQke kes heeme yewuesvme
Deewj ceebie SJeb Deuhe metevee hej Oeve meceeefJe nw.
2.
vekeoer leLee vekeoer mecelegue kes Ieke

vekeoer SJeb Yeejleere efj]peJe& yeQke kes heeme yewueWme
yeQkeeW kes heeme yewueWme Deewj ceebie SJeb Deuhe metevee
hej Oeve
kegue
232
2.
Cash & Cash equivalents includes

Cash on hand, Balance with RBI &
Other banks and Money at call and
Short Notice.
Components of Cash & Cash
As on
As on
Equivalents
31st March 2013 31st March 2012
Cash & Balance with RBI
134520783
216514596
Balances with Banks and Money at Call
and Short Notice
719468260
425170816
Total
853989043
641685412
2012-13
efJeeere efJeJejefCeeeW hej uesKee hejer#ekeeW keer efjhees&
Auditors Report on the Financial Statements

mesJee ceW,
yeQke Dee@]He ye[ewoe kes MesejOeejke
To
The Shareholders of Bank of Baroda
1. nceves yeQke Dee@]He ye[ewoe keer 31 ceee& 2013 keer efJeeere efJeJejefCeeeb efpeveceW 31
ceee& 2013 kee legueve-he$e leLee Gmekes meeLe mebueive Ge efoveebke kees meceehle
Je<e& kes ueeYe-neefve uesKes vekeo heJeen efJeJejCe Deewj GuuesKeveere uesKeebkeve
veerefleeeW kee meejebMe Meeefceue nw, keer uesKee hejer#ee keer nw efpemeceW nceejs eje
uesKee-hejeref#ele 20 MeeKeeSb, MeeKee uesKee-hejer#ekeeW eje uesKee-hejeref#ele 1848
MeeKeeSb Deewj mLeeveere uesKee-hejer#ekeeW eje uesKee- hejeref#ele 49 efJeosMeer
MeeKeeDeeW keer efJeJejefCeeeb Meeefceue nQ. nceejs eje Deewj Deve uesKee-hejer#ekeeW
eje uesKee-hejer#ee keer ieF& MeeKeeDeeW kee egveeJe yeQke ves Yeejleere efjpeJe& yeQke
eje peejer efoMee-efveoxMeeW kes Devegmeej efkeee nw. legueve he$e leLee ueeYe-neefve
Keeles ceW 2408 MeeKeeDeeW (FveceW Ske efJeosMe ceW efmLele FkeeF& Yeer Meeefceue nw) keer
efJeJejefCeeeb Yeer Meeefceue keer ieF& nQ, efpevekeer uesKee-hejer#ee veneR keer ieeer nw. es
De-uesKeehejeref#ele MeeKeeSb 6.86 heefleMele Deefiece, 12.43 heefleMele peceejeefMeeeb,
6.17 heefleMele yeepe-Deee Deewj 13.24 heefleMele yeepe-Jee mes mebyebefOele nw.
1. We have audited the accompanying financial statements of

Bank of Baroda as on 31st March, 2013, which comprise
the Balance Sheet as on 31st March, 2013, and Profit and
Loss Account and the Cash Flow Statement for the year then
ended, and a summary of significant accounting policies and
other explanatory information. Incorporated in these financial
statements are the returns of 20 branches audited by us, 1848
branches audited by branch auditors and 49 foreign branches
audited by local 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 2408
branches (including 1 Offshore business unit) which have not
been subjected to audit. These unaudited branches account for
6.86 per cent of advances, 12.43 per cent of deposits, 6.17 per
cent of interest income and 13.24 per cent of interest expenses.
efJeeere efJeJejefCeeeW kes efueS eyebOeve kee oeefelJe
Managements Responsibility for the Financial Statements
2. yeQefkeieb efJeefveeceve DeefOeefveece 1949, Yeejleere efjpeJe& yeQke eje mecee mecee
Hej peejer efoMee efveoxMeeW leLee Yeejle ceW mJeerkeee& meeceeve uesKee hejer#ee
ceeveoC[eW kes Deveghe Fve efJeeere efJeJejefCeeeW kees leweej kejves kes efueS eyebOeve
efpeccesoej nw. Fme oeefelJe ceW efJeeere efJeJejefCeeeW kees leweej kejves nsleg Deebleefjke
efveeb$eCe, keeee&vJeeve SJeb hejsKee meefcceefuele nw Deewj FveceW, peeuemeepeer ee
Yetue keer Jepen mes keesF& GuuesKeveere ieueleer veneR nw.
uesKee hejer#ekeeW kee oeefelJe
3. nceeje oeefelJe Deheveer uesKee hejer#ee hej DeeOeeefjle Fve efJeeere efJeJejefCeeeW hej
Deheveer jee Jee kejvee nw. nceves Yeejleere meveoer uesKeekeej mebmLeeve eje
peejer uesKee hejer#ee ceevekeeW kes Devegmeej uesKee hejer#ee keer nw. Fve ceevekeeW keer
Dehes#ee nw efke nce veweflekelee kee efveJee&n kejles ngS uesKee hejer#ee keee&
megefveeesefpele SJeb megJeJeefmLele he ceW Fme ekeej mecheVe kejW efke nceW en
leeefke&ke DeeMJeemeve efceues efke es efJeeere efJeJejefCeeeb efkemeer Yeer ekeej keer
GuuesKeveere / ecegKe ieueefleeeW mes cege nw.
4. uesKee hejer#ee ceW jeefMeeeW kes mee#eeW SJeb ekeerkejCe keer peebe nsleg efJeeere efJeJejefCeeeW
ceW oer ieF& efve<heeove eefeee kes Deveghe keee&Jeener Meeefceue nw. eeefvele eefeee
(efJeefOe) uesKee hejer#eke kes efJeJeske hej efveYe&j nw, FmeceW efJeeere efJeJejefCeeeW ceW
GuuesKeveere ieueefleeeW kes peeseKf ece Yeues ner Jen peeuemeepeer ee Yetue keer Jepen mes neW,
kee cetueebkeve / Deekeueve kejvee Meeefceue nw. Fve peeseKf eceeW kee cetueebkeve kejles
mecee uesKee hejer#eke Fve efJeeere efJeJejefCeeeW keer Gheege emlegelf e nsleg FkeeF& kes
mecye Deebleefjke efveeb$eCeeW kee DeJeueeskeve kejlee nw leeefke heefjefmLeefle Devegmeej
2. Management is responsible for the preparation of these

financial statements in accordance with the Banking Regulation
Act 1949, Reserve Bank of India guidelines from time to
time and accounting standards generally accepted in India.
This responsibility includes the design, implementation and
maintenance of internal control relevant to the preparation of the
financial statements that are free from material misstatement,
whether due to fraud or error.
Auditors Responsibility
3
Our responsibility is to express an opinion on these financial

statements based on our audit. We conducted our audit in
accordance with the Standards on Auditing issued by the
Institute of Chartered Accountants of India. Those standards
require that we comply with ethical requirements and plan and
perform the audit to obtain reasonable assurance about whether
the financial statements are free from material misstatements.
An audit involves performing procedures to obtain audit evidence

about the amounts and disclosures in the financial statements.
The procedures selected depend on the auditors judgment,
including the assessment of the risks of material misstatement
of the financial statements, whether due to fraud or error. In
making those risk assessments, the auditor considers internal
control relevant to the entitys preparation and fair presentation
of the financial statements in order to design audit procedures
that are appropriate in the circumstances. An audit also includes
evaluating the appropriateness of accounting policies used
233
2012-13
and the reasonableness of the accounting estimates made by

management, as well as evaluating the overall presentation of
the financial statements.
Gheege uesKee hejer#ee eefeee efveOee&ejf le keer pee mekes. uesKee hejer#ee ceW eyebOeve eje
efkeS ieS cenlJehetCe& Devegceeve leLee eege uesKeebkeve veerelf eeeW keer Gheegelee kee
cetueebkeve Deewj efJeeere efJeJejefCeeeW keer mecee emlegelf e kee Deekeueve meefcceefuele nw.
5. nceeje efJeMJeeme nw efke nceves pees uesKee hejer#ee mee#e eehle efkeee nQ, Jen nceejer
uesKee hejer#ee jee emlegle kejves kes efueS Gheege SJeb heee&hle nQ.
We believe that the audit evidence we have obtained is sufficient

and appropriate to provide a basis for our audit opinion.
Matter of Emphasis
6. cenlJeHetCe& efJe<ee
Without qualifying our opinion, we draw our attention to
DeHeveer jee osves mes Henues nce efvecveefueefKele keer Deesj Oeeve Deekeef<e&le kejles nQ:
i
1) Note No. B.1.3.3, which describes deferment of pension

liability of the Bank to the extent of ` 731.96 Crores as on
31st March, 2013 pursuant to the exemption granted by
the Reserve Bank of India (RBI) to the public sector banks
from application of the provisions of Accounting Standard
15 (Revised), Employee Benefits issued by Institute of
Chartered Accountant of India, vide its circular no. DBOD.
BP.BC/80/21.04.018/ 2010-11 dated February 9, 2011,
on Re-opening of Pension Option to Employees of Public
Sector Banks.
efJelleere efJeJejCe kee vees eceebke Ke-1.3.3 efpemeceW Yeejleere efjpeJe& yeQke
(Yee.efj.yeQke) ves meeJe&peefveke #es$e kes yeQke kes kece&eeefjeeW kes efueS Hegve:
HeWMeve efJekeuHe Meer<e&ke kes lenle Fefvmet Dee@He ee&[ SkeeGbme Dee@He
Fbef[ee eje peejer HeefjHe$eebke [eryeerDees[er.yeerHeer yeermeer/80 /21.04.018/
2010-11 efoveebke 9 HejJejer, 2011 kes DevegHe uesKeebkeve ceeveke 15
(mebMeesefOele) kes eeJeOeeveeW ves Fmekes Debleie&le 31 ceee& 2013 kees ` 731.96
kejes[ keer jeefMe DeemLeefiele keer nw.
ii efJeeere efJeJejCe keer vees mebKee ie-8 keer Deesj Oeeve Deekeef<e&le kejles nQ
efpemeceW GuuesKe efkeee ieee nw efke Yeejleere efj]peJe& yeQke kes He$e e.[eryeerDees[er/
mbeKee/yeerHeer.1311/21.04.048/2010-11 efoveebke 25 pegueeF& eje eeHle
Devegceesove kes lenle kees-Dee@HejsefJe yeQke efue. keer efJeefMe mebHeeqe Deewj
oseleeDeeW kees ske DeesJej kejves mes 31 ceee& 2013 kees ngS iewj ceevelee
eeHle Iees keer kegue 62.20 kejes[ keer jeefMe kees Je<e& 2013-14 leke
DeevegHeeefleke DeeOeej Hej neee peees.
7. jee
2) Note No C-8 of the Financial Statement, which describes that

the unrecognized deficit aggregating ` 62.20 crores as on
31st March, 2013, arising out of the take over of specified
assets and liabilities from the Memon Cooperative Bank
Limited to be charged off proportionately till the financial
year 2013-14 as per approval received from Reserve Bank
of India vide letter No. DBOD. No. BP. 1311 / 21.04.048
/2010-11 dated July 25, 2011.
7
In our opinion, as shown by books of bank and to the best of

our information and according to the explanations given to us:
nceejer jee ceW, yeQke keer yeefneeW ceW oMee&S ieS Devegmeej leLee nceejer DeefOekelece
peevekeejer Deewj nceW efoS ieS mheerkejCeeW kes Devegmeej :
i
Opinion
i.
vees kes meeLe Heef"le en legueve-He$e HetCe& Deewj mener nw, efpemeceW DeeJeMeke
efJeJejCe efoS ieS nQ Deewj Fmes eLeesefele {bie mes yeveeee ieee nQ, efpememes
efke, Yeejle ceW meeceevele: mJeerkeee& uesKeebkeve efmeebleeW kes meceHe vees
kes meeLe Heef"le yeQke kes 31 ceee&, 2013 kes efeeekeueeHeeW kee mener SJeb
eLeeeesie efe$e meeceves Dee mekes.
The Balance sheet, read with the notes thereon is a full and
fair Balance Sheet containing all the necessary particulars,
is properly drawn up so as to exhibit a true and fair view
of state of affairs of the Bank as on 31st March, 2013 in
conformity with accounting principles generally accepted in
India;
ii ueeYe-neefve uesKee, oer ieF& efhheefCeeeW kes meeLe heef"le Yeejle ceW meeceevele:
mJeerkeee& uesKeebkeve efmeebleeW kes meceHe leLee Keeles kes Je<e& kes efueS yeQke
kes mener ueeYe Mes<e kees oMee&lee nw.
ii. The Profit and Loss Account, read with the notes thereon
shows a true balance of profit, in conformity with accounting
principles generally accepted in India, for the year covered
by the account; and
iii vekeoer HeJeen-efJeJejCe Gme leejerKe kees meceehle Je<e& kes oewjeve vekeoer HeJeen
kee mener SJeb mHe< efJeJejCe emlegle kejlee nw.
iii. The Cash Flow Statement gives a true and fair view of the
cash flows for the year ended on that date.
Deve efJeefOeke SJeb efveeeceke Dehes#eeDeeW Hej efjHees&
Report on Other Legal and Regulatory Requirements
8. legueve-He$e Deewj ueeYe-neefve uesKee, yeQkekeejer kebHeveer DeefOeefveece, 1949 keer

le=leere Devegmeteer kes eceMe: Heece& S Deewj yeer ceW yeveeS ieS nQ.
8. The Balance Sheet and the Statement of Profit and Loss

Account have been drawn up in Forms A and B respectively
of the Third Schedule to the Banking Regulation Act, 1949.
9. Ghejese Devegso 1 mes 5 ceW JeefCe&le uesKee hejer#ee meerceeDeeW Deewj yeQkekeejer (kebheveer
234
Subject to the limitations of the audit indicated in paragraph 1 to
2012-13
GheeceeW kee Depe&ve SJeb DeblejCe) 1970/1980 Deewj Fvekes Devleie&le ekeerkejCe
keer meerceeDeeW kes DeOeOeerve, nce metefele kejles nQ efke :
5 above and as required by the Banking Companies (Acquisition

and Transfer of Undertakings) Act, 1970 / 1980 and subject also
to the limitations of disclosure required therein, we report that;
nceves DeHeves DeefOekelece %eeve SJeb efJeMJeeme kes Devegmeej uesKee-Hejer#ee nsleg
DeeJeMeke meYeer peevekeejer leLee mHe<erkejCe HeeHle efkeS nQ leLee GvnW
meblees<epeveke Heeee nw.
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;
ii
yeQke kes mebJeJenejeW keer pees peevekeejer nceejs meeceves Deeeer nw, Jes yeQke kes
DeefOekeej #es$e kes Debleie&le ner nQ.
iii yeQke kes keeee&ueeeW Deewj MeeKeeDeeW mes HeeHle efJeJejefCeeeb uesKee-Hejer#ee nsleg
meeceevele: Heee&Hle Heeeer ieeeR.

10. nceejer jee ceW legueve he$e, ueeYe/neefve uesKee Deewj vekeoer eJeen efJeJejCeer ceeve
uesKee ceevekeeW kes Deveghe nw.
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 branches of the
Bank have been found adequate for the purposes of our
audit;
10 In our opinion, the Balance Sheet, Profit and Loss Account and
Cash Flow Statement comply with the applicable accounting
standards.

meveoer uesKeekeej
(iejs megyyee jeJe)
Yeeieeroej
Sce. veb.: 019579

meveoer uesKeekeej
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
ke=les js SC[ js
meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 056060

meveoer uesKeekeej
(Sme kes. efceeue)
Yeeieeroej
Sce. veb.: 008506

meveoer uesKeekeej
(eoerHe pes Meser)
Yeeieeroej
Sce. veb.: 046940

meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 073063

FRN: 002460S
(Garre Subba Rao)
Partner
M No.019579

FRN: 001135N
(S.K. Mittal)
Partner
M. No. 008506
For Brahmayya & Co.

FRN: 000511S
(Jitendra Kumar)
Partner
M No.201825
For N. B. S. & Co.

FRN: 110100W
(Pradeep J. Shetty)
Partner
M No.046940
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M. No. 056060
For KASG & Co.

FRN: 002228C
(R. K. Agarwal)
Partner
M No.073063

235
2012-13
31 ceee& 2013 kee mecesefkele legueve-he$e
Consolidated Balance Sheet as on 31st March, 2013

(` in 000s)
Devegmeteer
SCHEDULE
31 ceee& 2013 kees 31 ceee& 2012 kees
For the Year

For the Year
ended
ended
31st Mar, 2013 31st Mar, 2012
Hetbpeer Deewj oseleeSb
CAPITAL & LIABILITIES
Hetbpeer
Capital
422,51,75
412,38,46
Reserves & Surplus
32859,25,25
28103,91,87
ceeeveesefjer Fvjsm
Minority Interest
110,05,39
91,18,16
peceejeefMeeeb
Deposits
482638,89,30
392615,94,50
GOeej ueer ieF& jeefMeeeb
Borrowings
26552,94,25
23598,05,84
Other Liabilities & Provisions
16804,67,25
12590,51,75
pees[
TOTAL
559388,33,19
457412,00,58
Deeefmleeeb
ASSETS
Yeejleere efj]peJe& yeQke kes Heeme

vekeoer Deewj Mes<e jkece
Cash and balances with Reserve

Bank of India
14151,18,45
22268,34,40
yeQkeesb kes Heeme Mes<e jkece leLee ceebie SJeb

Balances with Banks and Money at

Call and Short Notice
73550,88,21
43542,00,27
efveJesMe
Investments
125617,05,26
86697,00,36
$e+Ce SJeb Deefece
Loans & Advances
333625,19,72
292077,13,69
Deeue Deeefmleeeb
Fixed Assets
10
2550,42,95
2428,19,01
Deve Deeefmleeeb
Other Assets
11
9893,58,60
10399,32,85
pees[
TOTAL
559388,33,19
457412,00,58
205377,49,46
153154,98,92
Jemet}er kes efueS efyeue
Bills for Collection
26021,10,29
22862,48,49
cenlJehetCe& uesKee-veerefleeebb
18
Notes on Accounts
19
2A
12
THej oMee&eer ieeer Devegmetefeeeb legueve-He$e kee Ske DeefYevve Yeeie nQ.
The Schedules referred to above form an integral part of the Balance Sheet.
eer Sme. Sme . cetbo[e
eer efHe. eerefveJeeme

eer jbpeve OeJeve
eer Jeer.kes.iegHlee
ceneHeyebOeke
(keeheexjs Keeles SJeb kejeOeeve SJeb cegefJeDe)
eer yeer. FueWiees
mene. ceneeyebOeke
(keeheexjs Keeles SJeb kejeOeeve)
mLeeve : cegbyeF&,
236
efveosMeke
eer
eer
eer
eer
eer
eer
eer
eer
Deeueeske efveiece
mego&Meve mesve
efJeefveue kegceej mekemesvee
Jeer. yeer. eJneCe
mele osJe ef$ehee"er
ceewefueve S. Jew<CeJe
megjW Sme Yeb[ejer
jepeerye Sme meent
uesKee Hejer#eke
mece leejerKe keer nceejer mebueive he=Leke efjhees& kes Devegmeej
ke=les js SC[ js
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHeDeejSve : 000511 Sme
SHeDeejSve : 301072 F&
Yeeieeroej
Sce. veb.: 216244
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
Yeeieeroej
Sce. veb.: 056060

meveoer uesKeekeej
SHeDeejSve : 001135 Sve
ke=les SveyeerSme SC[ keb.

meveoer uesKeekeej
SHeDeejSve : 110100 [yuet

meveoer uesKeekeej
(ieewjJe efcelleue)
Yeeieeroej
Sce. veb.: 099387
(eoerHe pes Meser)

Yeeieeroej
Sce. veb.: 046940

Yeeieeroej
Sce. veb.: 073063
2012-13
31 ceee& 2013 kees meceehle Je<e& kee mecesefkele ueeYe Je neefve uesKee
Consolidated Profit & Loss Account for the year ended 31st March 2013
Devegmeteer
SCHEDULE
(000 Devebefkele omitted)

31 ceee& 2013 kees 31 ceee& 2012 kees
meceehle Je<e& kes efueS meceehle Je<e& kes efueS
Year ended
Year ended
31st Mar 2013 31st Mar 2012
`
`
Deee
Deefpe&le yeepe
Deve Deee
pees[
Jee
yeepe Jee
heefjeeueve Jee
eeJeOeeve Deewj Deekeefmceke Jee
pees[
ceeFveesefjer Fvjsm mes hetJe& mecesefkele ueeYe
Deewj meneesieer FkeeFeeW ceW Deee kee DebMe
meneesieer FkeeFeeW ceW Deee kee DebMe
ceeFveesefjer Fvjsm jeefMe kece kejves mes
HetJe& Je<e& kes efueS mecesefkele Meg ueeYe
IeeSb : ceeFveesefjer Fvjsm
Je<e& kes efueS mecetn kee mecesefkele ueeYe
I. INCOME
Interest Earned
Other Income
TOTAL
II. EXPENDITURE
Interest Expended
Operating Expenses
Provisions and Contingencies
TOTAL
Consolidated Profit before Minority Interest
and share of earning in Associates
Share of earnings in Associates
Consolidated Net Profit for the year
before deducting Minority interest
Less : Minority Interest
Consolidated Profit for the year
attributable to the group
Deeies ueeF& ieF& ueeYe SJeb neefve Keeles ceW
Balance in Profit and Loss A/c brought
forward
Mes<e jeefMe
efJeefveeesie nsleg GheueyOe jeefMe
Amount available for appropriation
efJeefveeesie
III. APPROPRIATIONS
meebefJeefOeke eejef#ele efveefOe ceW DevlejCe
Transfer to Statutory Reserve
hetpb eer eejef#ele efveefOeeeW ceW DevlejCe
Transfer to Capital Reserve
Oeeje 36(1) (viii) kes lenle efJeMes<e Deejef#ele efveefOe ceW DeblejCe Transfer to Special Reserve u/s 36 (1) (viii)
jepemJe SJeb Deve eejef#ele efveefOeeeW ceW DeblejCe Transfer to Revenue & Other Reserves
emleeefJele ueeYeebMe (ueeYeebMe kej meefnle) Proposed Dividend (Including Dividend Tax)
mecesefkele yesueWmeMeer ceW Deeies ues peeee
Balance carried over to consolidated
Balance Sheet
ieee Mes<e
efveJesMe efj]peJe& Keelee
Investment Reserve Account
pees[
TOTAL
Heelf eMesej Deee (yesemf eke Je [eeuet[s ) (`.) Earnings per Share (Basic & Diluted) (`.)
(meebkesefleke cetue eefle Mesej `10)
(Nominal value per share ` 10)
cenlJehetCe& uesKee-veerefleeebb
Notes on Accounts
13
36442,05,74
30488,49,36
14
4510,62,31
40952,68,05
4100,41,66
34588,91,02
15
16
19 (8)
24486,41,13
6306,36,43
5409,42,73
36202,20,29
4750,47,76
19724,34,35
5455,54,49
4192,73,51
29372,62,35
5216,28,67
17
78,54,25
4829,02,01
53,12,40
5269,41,07
24,79,00
4804,23,01
20,83,69
5248,57,38
178,72,72
138,66,20
4982,95,73
5387,23,58
1148,70,91
81,44,81
852,48,82
1559,49,62
1059,62,50
281,19,07
1272,75,29
47,72,04
537,15,33
2607,32,89
812,29,04
178,72,72
4982,95,73
116.70
(68,73,73)
5387,23,58
134.01
19 (12)
18
19
THej oMee&F& ieF& Devetmetefeeeb legueve He$e kee Ske DeefYevve Yeeie nQ
The Schedules referred to above form an integral part of Balance sheet
S S MUNDRA
P Srinivas
Executive Director
Sudhir Kumar Jain

Executive Director
Ranjan Dhawan
Executive Director
Shri V K Gupta
General Manager
Corp A/cs & Taxation and CFO
Shri B Elango
Asst. General Manager

Corporate A/cs & Taxation
DIRECTORS
Shri Alok Nigam
Shri Sudarshan Sen
Shri V B Chavan
Shri Maulin A Vaishnav
Shri Surendra S Bhandari
Shri Rajib S Sahoo
AUDITORS
As per our separate report of even date attached
For Laxminiwas Neeth & CoFor Brahmayya & Co

FRN: 002460S
FRN: 000511S
(Dayaniwas Sharma)
(Jitendra Kumar)
Partner
Partner
M No. 216244
M No. 201825
For N B S & Co
FRN: 001135N
FRN: 110100W
(Gaurav Mittal)
(Pradeep J. Shetty)
Partner
Partner
M. No. 099387
M No. 046940
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M No. 056060
For KASG & Co.
FRN: 002228C
(R. K. Agarwal)
Partner
M No.073063
Place : Mumbai
237
2012-13
mecesefkele legueve-he$e keer Devegmetefeeeb
Schedules to Consolidated Balance Sheet

(000 Devebefkele
31 ceee&, 2013 kees
Devegmeteer - 1 Hetbpeer
HeeefOeke=le Hetbpeer
(eleske `10/- kes 300,00,00,000
FefkeJeer Mesej)
(efheues Je<e& eleske `10/- kes
300,00,00,000/- Mesej)
peejer keer ieeer leLee DeefYeoe
Hetbpeer
eleske `10/- kes 42,39,89,803
FefkeJeer Mesej (efheues Je<e& eleske `10 kes
41,38,56,883 Mesej) ceebieer ieF& SbJe eolle Hetbpeer
eleske `10/- kes 42,12,56,303
(efHeues Je<e& 41,11,23,383) FefkeJeer
Mesej) efpemeceW 23,34,12,499 FefkeJeer
Mesej (efHeues Je<e& 22,32,79,579 Mesej)
Meeefceue nQ, efpemekeer kegue jeefMe ` 233.41
kejes[ kesv mejkeej eje Oeeefjle nw.
iii Mesej Heerefceece
238
the year
iii Share Premium
31 ceee&, 2012 kees
As on 31st March 2013

`
`

`
`
3000,00,00
3000,00,00
423,98,98
413,85,69
421,25,63
411,12,34
SCHEDULE - 1 CAPITAL
AUTHORISED CAPITAL
(300,00,00,000 Shares of `.10/each)
(previous year 300,00,00,000shares of `.10/- each)
ISSUED & SUBSCRIBED
CAPITAL
42,39,89,803 Equity Shares of
`10/- each
shares of `. 10/- each)
CALLED-UP & PAID-UP CAPITAL
42,12,56,303 (previous year
41,11,23,383) Equity Shares
of `10 each including
23,34,12,499 Equity Shares
(previous
year 22,32,79,579 Shares)
amounting to ` 233.41 crores
held by Central Government
pees[W : peyle Mesej

Add: Forfeited Shares
pees[W
TOTAL
SCHEDULE - 2
Devegmeteer - 2
RESERVES & SURPLUS
Heeefj#ele efveefOeeeb Deewj DeefOeMes<e
i Statutory Reserves
i meebefJeefOeke Heejef#ele efveefOeeeb
Opening Balance
DeejbefYeke Mes<e
Add: Transfer from P&L
pees[W/(IeeSb) : ueeYe SJeb neefve Keeles
mes Debleefjle
Accounts
Add/(Less): Adjustments
pees[W/(IeeSb) : Je<e& kes oewjeve
meceeeespeve
during the year
ii a) Capital Reserves
ii ke) Hetbpeeriele Heejef#ele efveefOeeeb
(Hegvecet&ueekeve efj]peJe& meefnle)
(Including Revaluation reserve)
Opening
Balance
DeejbefYeke Mes<e
Add/(Less): Transfer from
pees[W/(IeeSb) : ueeYe SJeb neefve
P&L Accounts
Keeles mes Debleefjle
pees[W/(IeeSb) : Je<e& kes oewjeve
meceeeespeve
during the year
b)
Capital Reserve on
Ke) meceskeve hej Hetbpeeriele
Heejef#ele efveefOeeeb
Consolidation
Opening Balance
DeejbefYeke Mes<e
Add: Adjustments during
pees[W : Je<e& kes oewjeve meceeeespeve
omitted)
1,26,12
1,26,12
422,51,75
412,38,46
5961,90,74
4680,52,76
1148,70,91
1272,75,29
(6,727)
7109,94,38
8,62,69
1994,15,79
2087,59,50
81,44,81
47,72,04
(91,33,11)
1984,27,49
67,90,84
2,27,92
(141,15,75)
5961,90,74
1994,15,79
55,21,69
70,18,76
12,69,15
67,90,84
2012-13
(000 Devebefkele
31 ceee&, 2013 kees

`
`
DeejbefYeke Mes<e
pees[W/(IeeSb) : Je<e& kes oewjeve HeefjJeOe&ve
/ meceeeespeve
iv jepemJe SJeb Deve Heejef#ele efveefOeeeb
Opening Balance
during the year
iv Revenue & Other Reserves
a. Special Reserves u/s 36 (1)
pees[W/(IeeSb) : ueeYe SJeb neefve Keeles mes

DeblejCe
Ke. heeblejCe eejef#ele efveefOeeeb
ie. efveJesMe efj]peJe& Keelee
eejbefYeke Mes<e
Deve efj]peJe& mes Debleefjle
Add/(Less): Transfer from
(viii)
Opening Balance
P&L Account
b. Translation Reserves
II Yeejle mes yeenj MeeKeeDeeW keer
pecee jeefMeeeb
pees[ (I SJeb II)
4764,80,59
839,86,71
7229,78,50
1567,55,20
852,48,82
1625,11,20
6389,91,79
1030,39,87
2420,04,02
537,15,33
1027,53,49
1567,55,20
758,98,33
c. Investment Reserve Account

Opening Balance
Transferred from Other
Reserves
Transferred to P&L
ueeYe SJeb neefve efJeefveeespeve Keeles ceW

Appropriation A/c
Debleefjle
d. Revenue Reserves
Ie. jepemJe Heejef#ele efveefOeeeb
Opening Balance
eejbefYeke Mes<e
Add: Transfer from P&L
pees[s : ueeYe Deewj neefve Keeles mes DeblejCe
HeejbefYeke Mes<e
pees[W / (IeeSb): Je<e& kes oewjeve efkeS ieS
meceeeespeve
kegue ceeFveesefjer Fvjsm
Devegmeteer - 3 pecee jeefMeeeb
ke. I ceebie pecee jeefMeeeb
i) yewkeeW mes
ii) DeveeW mes
II yeele yeQke pecee jeefMeeeb
III ceereeoer pecee jeefMeeeb
i) yeQkeeW mes
ii) DeveeW mes
pees[ (I, II SJeb III)
Ke. I Yeejle ceW MeeKeeDeeW keer peceejeefMeeeb
31 ceee&, 2012 kees

`
`
ke. Oeeje 36 (1) (viii) kes lenle efJeMes<e

eejef#ele efveefOeeeb
eejbefYeke Mes<e
pees[W/(IeeSb): Je<e& kes oewjeve efkeS ieS

HeefjJeOe&ve/meceeeespeve
v ueeYe/neefve Keeles ceW Mes<e
kegue Heejef#ele efveefOeeeb Deewj DeefOeMes<e (i mes v)
Devegmeteer - 2 S- ceeFveesefjer Fvjsm
6389,91,79
omitted)
Accounts
Add: Additions/Adjustments
during the year
(68,73,73)
11184,76,46
8595,64,29
1559,49,62
2607,32,89
(7,96,54) 12736,29,54
v Balance in Profit & Loss Account

Total Reserves & Surplus (I to v)
SCHEDULE - 2A- Minority
Interest
Opening Balance
Add/(Less): Adjustments during
the year
Total Minority Interest
68,73,73
11184,76,46
281,19,07
178,72,72
32859,25,25
28103,91,87
91,18,16
18,87,23
(18,20,72)
72,90,64
110,05,39
18,27,52
91,18,16
110,05,39
91,18,16
1321,42,53
35145,20,17 36466,62,70
86416,08,82
1052,06,30
28460,40,59 29512,46,89
76429,30,62
SCHEDULE - 3 DEPOSITS
A. I Demand Deposits
i) From Banks
ii) From Others
II Savings Bank Deposits
III Term Deposits
i) From Banks
ii) From Others
TOTAL (I,II and III)
B. I Deposits of branches in
India
II Deposits of branches
outside India
TOTAL (I & II)
72655,88,98
53301,53,18
287100,28,80 359756,17,78 233372,63,81 286674,16,99
482638,89,30
392615,94,50
345069,65,33
283253,58,77
137569,23,97
482638,89,30
109362,35,73
392615,94,50
239
2012-13
(000 Devebefkele
31 ceee&, 2013 kees

`
`
Devegmeteer - 4 GOeej jeefMeeeb

I Yeejle ceW GOeej jeefMeeeb
i) Yeejleere efjpeJe& yeQke
ii) Deve yeQke
iii) Deve mebmLeeve Deewj SpeWefmeeeb
31 ceee&, 2012 kees

`
`
SCHEDULE - 4 BORROWINGS
I Borrowings in India
i) Reserve Bank of India
ii) Other Banks
iii) Other Institutions and
Agencies
iv) IPDI
335,41,89
168,00,86
98,70,15
377,06,24
1911,70,00
1911,70,00
v) yeeb[esb kes He ceW peejer neF&eqye[ $e+Ce Hetbpeer
v) Hybrid Debt Capital

Instruments issued as bonds
5000,00,00
5000,00,00
vi) ieewCe $e+Ce
vi) Subordinate debt
2490,00,00
iv) DeeF&heer[erDeeF&
efueKelesb
II Borrowings outside India

II Yeejle mes yeenj GOeej jeefMeeeb
(includes MTN Bonds of ` 1628.55
(FmeceW ` 1628.55 kejes [ (ef h eues Je<e&
`1526.25 kejes[
) kes SceerSve yeeC[ Meeefceue nQ )
crs (previous year `1526.25 crs))
TOTAL (I & II)
pees[ (I SJeb II)
THej I SJeb II ceW Meeefceue peceeveleer

GOeej jeefMeeeb
Devegmeteer - 5
omitted)
Secured Borrowings included in I

& II above
9835,82,04
2490,00,00
9946,77,10
16717,12,21
13651,28,74
26552,94,25
23598,05,84
2767,77,47
523,16,34
I ose efyeue
SCHEDULE - 5
OTHER LIABILITIES AND
PROVISIONS
I Bills Payable
1467,52,72
1390,73,66
II Gheefele yeepe
II Interest Accrued
3330,48,89
2837,26,46
416,48,83
III Devle : keeee&uee meceeeespeve
III Inter office Adjustments
IV Deferred Tax Liabilities

V Contingent Provision against
V ceeveke DeeqeceeW kes Hess Deekeeqmceke eeJeOeeve
Standard Advances
VI Others (including provisions)
VI Deve (eeJeOeeveeW meefnle)
IV DeemLeefiele kej oselee
pees[ (I SJeb VI)

Devegmeteer - 6
vekeoer leLee Yeejleere efjpeJe& yeQke kes
Heeme Mes<e
I neLe ceW vekeoer (efJeosMeer cege veeseW
meefnle)
II Yeejleere efjpeJe& yeQke/kesvere yeQke kes Heeme Mes<e
i) eeuet Keeles ceW
ii) Deve KeeleeW ceW
pees[ (I SJeb II)
Devegmeteer - 7
yeQke kes heeme Mes<e Deewj ceebie SJeb
I Yeejle ceW
i) yewkeeW kes Heeme Mes<e jkece
(ke) eeuet KeeleeW ceW
(Ke) Deve pecee KeeleeW ceW
240
Total (I to VI)
1,11,60
256,73,26
1834,11,82
1402,80,16
9754,93,39
6702,98,21
16804,67,25
12590,51,75
1648,75,55
1267,80,21
SCHEDULE - 6
CASH AND BALANCES WITH
RESERVE BANK OF INDIA
I Cash in hand (including
foreign currency notes)
II Balances with Reserve Bank
of India/ Central Bank :
i) in Current Account
ii) in Other Accounts
12261,30,04
20901,20,65
241,12,86 12502,42,90
99,33,54 21000,54,19
14151,18,45
22268,34,40
Total (I & II)
SCHEDULE - 7
BALANCES WITH BANKS
AND MONEY AT CALL AND
SHORT NOTICE
I In India
i) Balances with Banks
a) in Current Accounts
1412,54,03
b) in Other Deposit
Accounts
4220,57,71
330,76,38
5633,11,74
4105,69,13
4436,45,51
2012-13
(000 Devebefkele
31 ceee&, 2013 kees

`
`
ii) ceebie Hej SJeb DeuHe metevee Hej Heefleose
(ke) yewkeeW kes Heeme

(Ke) Deve mebmLeeveeW kes Heeme
pees[ (i SJeb ii)
II Yeejle mes yeenj
i) eeuet KeeleeW ceW
ii) Deve pecee-jeefMe KeeleeW ceW
iii) ceebie SJeb DeuHe metevee Hej Heefleose jeefMe
pees[ (i,ii SJeb iii)
kegue pees[ (I SJeb II)
Devegmeteer - 8
efveJesMe
I Yeejle ceW efvecve ceW efveJesMe
i) mejkeejer HeefleYetefleeeb
ii) Deve Devegceesefole HeefleYetefleeeb
iii) Mesej
iv) ef[yeWej SJeb yeeb[
v) meneesieer FkeeFeeW ceW efveJesMe
[FmeceW #es$eere ieeceerCe yeQkeeW keer Mesej
Hetpb eer kes He ceW yeQke kee Deefiece DebMeoeve
` 152.91 kejes [ . (ef H eues Je<e&

`112.82 kejes[) Meeefceue nw pees
Deeyebve nsleg ueefcyele nQ.]
vi) Deve
pees[ (i mes vi)
II Yeejle mes yeenj efveJesMe
i) mejkeejer He e f l eYet e f l eeeb (mLeeveer e
HeeefOekejCeeW meefnle)
ii) meneesieer FkeeFeeW ceW efveJesMe
iii) Deve
pees[ (i mes iii)
kegue pees[ (I SJeb II)
III Yeejle ceW efveJesMe
IeeSb: cetueeme nsleg HeeJeOeeveeW kee pees[
Meg efveJesMe
IV Yeejle mes yeenj efveJesMe

IeeSb: cetueeme nsleg HeeJeOeeveeW kee
pees[
Meg efveJesMe
ii) Money at call and short

notice
a) with Banks
b) with Other Institutions
2445,00,00
64,116,911
Total (i and ii)
omitted)
31 ceee&, 2012 kees

`
`
60,00,00
8856,69,11
14489,80,85
60,00,00
4496,45,51
II Outside India
i) in Current Accounts
11931,49,49
7968,12,23
ii) in Other Deposit Accounts
24771,17,03
15829,53,01
iii) Money at Call and Short Notice 22358,40,84

Total (i, ii and iii)
59061,07,36
Grand Total (I and II)
SCHEDULE - 8
INVESTMENTS
15247,89,52
39045,54,76
73550,88,21
43542,00,27
I Investments in India in
i) Govt Securities
103105,14,17
70043,86,02
ii) Other Approved

Securities
iii) Shares
877,97,02
354,75,58
1963,98,98
1868,03,03
iv) Debentures and Bonds
3237,12,77
3292,91,03
442,62,67
324,61,23
9481,72,61
5084,31,81
v) Investment in Associates
[includes Bank's share of
contribution as advance
of ` 152.91 Crores
(Previous year `112.82
Crores) towards Share
Capital of RRBs pending
allotment]
vi) Others
Total (i to vi)
119108,58,22
80968,48,70
II Investments Outside India in

i) Govt Securities (incl.
Local authorities)
ii) Investment in Associates
iii) Others
3654,33,68
3313,60,80
52,13,96
45,71,39
2801,99,40
Total (i to iii)
Grand Total (I & II)
2369,19,47
6508,47,04
5728,51,66
125617,05,26
86697,00,36
III Investments in India

Gross value of Investments
119888,51,17
81529,17,41
Less: Aggregate of
Provisions for Depreciation
Net Investments
779,92,95
560,68,71
119108,58,22
80968,48,70
6649,69,12
5878,59,69
IV Investments outside India

Gross value of Investments
Less: Aggregate of
Provisions for Depreciation
Net Investments
141,22,08
6508,47,04125617,05,26
150,08,03
5728,51,66 86697,00,36
241
2012-13
(000 Devebefkele
31 ceee&, 2013 kees
Devegmeteer - 9 Deefiece
ke. i) Kejeros Deewj YegveeS ieS efyeue
ii) vekeoer $e+Ce, DeesJej [êHe Deewj ceebie
31 ceee&, 2012 kees

`
`

`
`
48465,25,50
39163,13,03
141144,04,92
123765,58,53
144015,89,30
129148,42,13
333625,19,72
292077,13,69
SCHEDULE - 9 ADVANCES
A. i) Bills Purchased and
Discounted
ii) Cash Credits, Overdrafts and
Loans Repayable on Demand
Hej egkeewleer eesie $e+Ce

iii) Term Loans
iii) ceereeoer $e+Ce
Total (i to iii)
pees[ (i mes iii)
Ke. i) cetle& DeeefmleeeW eje mebjef#ele (yener B. i) Secured by Tangible
Assets(Includes advances
$e+Ce keer SJepe ceW DeefieceeW meefnle)
231529,38,59
194479,76,82
ii) yewkeeW/mejkeejer ieejbefeeW eje jef#ele
ii) Covered by Bank/

Government Guarantees
against book debts)
60096,36,34
50443,30,96
iii) iewj-peceeveleer
iii) Unsecured
41999,44,79
47154,05,91
pees[ (i mes iii)

ie. I Yeejle ceW Deefiece
i HeeLeefcekelee HeeHle #es$e
ii meeJe&peefveke #es$e
iii yeQke
iv Deve
II Yeejle mes yeenj Deefiece
i yeQkeeW mes HeeHe
ii DeveeW mes HeeHe
ke. Kejeros ieS Deewj YegveeS ieS
efyeue
Ke. mecetn $e+Ce
ie. Deve
pees[ (ie I + ie II)
Total (i to iii)
Devegmeteer-10
Deeue Deeefmleeeb
I Heefjmej
efJeiele Je<e& kes 31 ceee& keer ueeiele Hej
SCHEDULE - 10
Je<e& kes oewjeve HeefjJeOe&ve / meceeeespeve

(Hegvece&tequele jeefMe meefnle)
IeeSb : Je<e& kes oewjeve keewelf eeeb / meceeeespeve
Deeleve leejerKe kees cetueeme
II Deve Deeue Deeefmleeeb
(Heveeaej SJeb efHekemeej meefnle)
efJeiele Je<e& kes 31 ceee& keer ueeiele hej
242
omitted)
333625,19,72
292077,13,69
C. I Advances in India
i
Priority Sector
ii Public Sector
iii Banks
iv Others
80547,18,49
65858,35,26
22539,48,53
23704,68,11
2602,37,07
2112,62,71
120815,39,87 226504,43,96 112365,62,87 204041,28,95
II Advances Outside India

i
Due from Banks
a) Bills purchased &

Discounted
41504,68,62
33344,02,10
b) Syndicated Loans
14805,44,76
12087,44,47
c) Others
50810,62,38 107120,75,76 42604,38,17 88035,84,74
ii Due from Others
Total (C.I +C.II)
333625,19,72
292077,13,69
FIXED ASSETS
I Premises
At cost as on 31st March of
the preceding year
Additions/Adjustments
during the year (Includes
revalued amount)
Less : Deductions/adjustments
during the year
Depreciation to date
2628,79,85
2530,11,73
48,96,79
2677,76,64
99,94,90
2630,06,63
71,41
2677,05,23
1,26,78
2628,79,85
922,67,95
1754,37,28
825,27,92
II Other Fixed Assets

(including Furniture & Fixtures) :
At cost as on 31st March of

the preceding year
2459,32,73
2167,11,20
1803,51,93
2012-13
(000 Devebefkele
31 ceee&, 2013 kees

`
`
Je<e& kes oewjeve HeefjJeOe&ve / meceeeespeve
during the year
Je<e& kes oewjeve keewefleeeb

Deeleve leejerKe leke cetueeme
II hes Hej oer ieF& Deeefmleeeb
ueeiele Hej
Je<e& kes oewjeve heefjJeOe&ve / meceeeespeve
Je<e& kes oewjeve keewefleeeb eeJeOeeveeW
meefnle.
352,91,50
2520,02,70
Deductions during the year
62,68,29
2905,81,51
60,69,97
2459,32,73
2114,44,85
II GHeefele yeepe
1841,74,57
617,58,16
II Leased Assets
At cost
during the year
8,66,05
19,34,17
1,96,06
3,27,77
10,62,11
22,61,94
Deductions during the

year incl. Provisions
3,28,07
13,95,89
2,65,03
7,34,04
legueve-he$e keer leejerKe leke cetueeme

pees[ (I, II SJeb II ke)
Devegmeteer - 11
Deve Deeefmleeeb
I Deblej keeee&uee meceeeespeve (Meg)
31 ceee&, 2012 kees

`
`
509,17,07
2968,49,80
791,36,66
omitted)
8,66,05
4,69,01
Total (I, II and IIA)
1,57,13
2550,42,95
7,08,92
2428,19,01
SCHEDULE - 11
OTHER ASSETS
I Inter-Office Adjustments
(Net)
II Interest Accrued
III Deefiece kej Yegieleeve/eesle Hej kej keewleer III Tax paid in advance/tax
deducted at source (net of
(eeJeOeeveeW kee efveJeue)
Provisions)
IV
Stationery and Stamps
IV msMevejer SJeb mwche
392,47,97
3704,32,84
3530,54,00
3401,38,01
2017,81,20
6,66,61
7,18,28
97,95,60
11,90,31
V DeemLeefiele kej Deeefmleeeb
V Deferred Tax assets
VI Deve
VI Others
2683,25,54
4439,41,09
pees[ (I mes VI)

Devegmeteer - 12
I oeJes efpevnW $e+Ce veneR ceevee ieee
Total (I to VI)
9893,58,60
10399,32,85
69,20,11
78,60,61
28,00
28,00
136045,12,51
93060,59,01
SCHEDULE - 12
CONTINGENT LIABILITIES
I Claims not acknowledged as
debts
II
Liability for partly paid
II DeebefMeke egkelee efveJesMeeW kes efueS oselee
Investments
III yekeeee Jeeeoe efJeefvecee mebefJeoeDeeW kes III Liability on account of
outstanding forward
keejCe oselee
exchange contracts
IV mebIekeeW keer Deesj mes oer ieF& ieejbefeeb IV Guarantees given on behalf
of constituents :
a) In India
ke) Yeejle ceW
b) Outside India
Ke) Yeejle mes yeenj
V
Acceptances, Endorsements
V mJeerke=efleeeb, Hejebkeve Deewj Deve oeefelJe
VI Deekeefmceke oselee keer Deve ceoW
pees[ (I mes VI)
and Other Obligations

VI Other items of contingent
liability
Total ( I to VI)
14304,50,45
13791,49,63
14693,49,97 28998,00,42
10331,24,44 24122,74,07
19163,58,23
18165,81,55
21101,30,19
17726,95,68
205377,49,46
153154,98,92
243
2012-13
mecesefkele ueeYe Je neefve uesKes keer Devegmetefeeeb
Schedules to Consolidated Profit & Loss Account

31 ceee&, 2013 kees
31 ceee&, 2012 kees
Year ended 31st March 2013 Year ended 31st March 2012
`
`
`
`
Devegmeteer - 13
Deefpe&le yeepe SJeb ueeYeebMe
SCHEDULE - 13
INTEREST AND DIVIDENDS
EARNED
I DeefieceeW/efyeueeW Hej yeepe/
yee
I Interest/Discount on
Advances/Bills
II efveJesMe Hej Deee

III Yeejleere efjpeJe& yeQke Mes<e Deewj Deve
Devlej yeQke efveefOeeeW kes Mes<e hej

yeepe
26611,34,35
22866,00,82
II Income on Investments
7887,88,36
6435,99,52
III Interest on Balances with

Reserve Bank of India and
other Inter-Bank Funds
1538,39,38
901,69,34
404,43,65
284,79,68
36442,05,74
30488,49,36
1313,28,56
1274,15,11
(1,22,56)
7987
IV Deve
IV Others
pees[ (I mes IV)
TOTAL Total ( I to IV)
Devegmeteer - 14
Deve Deee
SCHEDULE - 14
OTHER INCOME
I keceerMeve, efJeefvecee SJeb oueeueer
I Commission, Exchange and

Brokerage
II Yetefce, YeJeve Deewj Deve DeeefmleeeW keer
II Profit / (Loss) on sale of Land,

(Net)
efyeeer Hej ueeYe/(neefve) (Meg)
III efJeefvecee uesve-osve Hej ueeYe (Meg)
III Profit on Exchange

Transactions (Net)
822,55,53
702,63,74
IV efveJesMe keer efyeeer Hej ueeYe (Meg)
IV Profit on sale of Investments

(Net)
635,21,53
609,46,61
V efveJesMeeW kes Hegvecet&uebekeve Hej ueeYe/
V Profit / (Loss) on revaluation

of Investments (Net)
1,44,54
52,17
VI Deefpe&le eerefceece
VI Premium earned
569,52,83
569,52,83
VII efJeefJeOe Deee
VII Miscellaneous Income
1169,81,88
943,31,33
pees[ (I mes VII)
TOTAL Total ( I to VII)
4510,62,31
4100,41,66
Devegmeteer - 15
yeepe Jee
SCHEDULE - 15
INTEREST EXPENDED
I pecee jeefMeeeW Hej yeepe
I Interest on Deposits
23062,97,76
18146,99,74
466,94,52
641,92,27
956,48,85
935,42,34
24486,41,13
19724,34,35
(neefve) (Meg)
II Yeejleere efj]peJe& yeQke/ Devlej yeQke GOeej II Interest on Reserve Bank of

India/Inter-Bank Borrowings
jeefMeeeW Hej yeepe
III Deve
III Others
pees[ (I mes III)
TOTAL Total ( I to III)
244
31 ceee&, 2013 kees
2012-13
31 ceee&, 2012 kees
Year ended 31st March 2013 Year ended 31st March 2012
`
`
`
`
Devegmeteer - 16
Heefjeeueve Jee
SCHEDULE - 16
OPERATING EXPENSES
I kece&eeefjeeW kees Yegieleeve SJeb Gvekes efueS I
HeeJeOeeve
Payments to and Provisions

for Employees
Rent, Taxes and Lighting
3615,95,10
3117,26,75
556,35,16
439,41,97
II efkejeee, kej SJeb efJeegle
II
III cegCe SJeb msMevejer
III Printing and Stationery
60,63,22
42,01,31
IV efJe%eeHeve SJeb Heeej
IV Advertisement and Publicity
74,27,02
75,21,34
V ke) Heeke=le DeeefmleeeW kes DeueeJee yeQke
keer mebHeefeeeW Hej cetueeme
V a) Depreciation on Banks
Property other than Leased
Assets
Ke) Heeke=le DeeefmleeeW Hej cetueeme
b) Depreciation on Leased
Assets
VI efveosMekeeW keer Heerme, Yees SJeb Jee
VI Directors Fees, Allowances

and Expenses
VII uesKee Hejer#ekeeW keer Heerme SJeb Jee
320,60,26
1,09,86
294,47,07
321,70,12
1,01,09
295,48,16
3,28,81
2,49,19
VII Auditors Fees and Expenses

(including Branch Auditors
Fees and Expenses)
35,84,73
41,11,14
VIII efJeefOe HeYeej
VIII Law Charges
34,61,22
24,03,73
IX [eke Jee, leej SJeb otjYee<e Deeefo
IX Postages, Telegrams,
Telephones etc.
124,49,82
103,65,53
X cejccele SJeb jKe jKeeJe
X Repairs and Maintenance
190,98,91
174,32,70
XI yeercee
XI Insurance
305,06,35
284,13,69
XII Deve Jee
XII Other Expenditure
983,15,97
856,38,98
pees[ (I mes XII)
TOTAL (I to XII)
6306,36,43
5455,54,49
Devegmeteer - 17
meneesieer FkeeFeeW ceW
Deee kee DebMe
SCHEDULE - 17
SHARE OF EARNINGS IN
ASSOCIATES
I #es$eere eeceerCe yeQke
I RRBs
80,07,16
51,38,36
II Deve
II Others
(1,52,91)
1,74,04
pees[ (I Deewj II)
Total (I & II)
78,54,25
53,12,40
(MeeKee uesKee-Hejer#ekeeW keer Heerme SJeb

Jee meefnle)
245
2012-13
Devegmeteer 18: 31 ceee& 2013 kees meceehle Je<e& kes efueS mecesekf ele efJeeere efJeJejefCeeeW keer cenlJehetCe& uesKeebkeve veerelf eeeb
Schedule 18 : Significant Accounting Policies on the Consolidated Financial Statements for
the year ended 31st March 2013
1.
mecesefkele efJeeere efJeJejefCeeeb leweej kejves kee DeeOeej
1.1 leweejer kejves kee DeeOeej
1.
BASiS OF PREPARATiOn OF COnSOLiDATED

FinAnCiAL STATEMEnTS:
1.1
1.1 BASIS OF PREPARATION:
yeQke (cetue), Fmekeer Deveg<ebefieeeW mebege GeceeW Deewj meneesieer FkeeFeeW keer
mecesefkele efJeeere efJeJejefCeeeb (meerSHeSme) HejcHejeiele ueeiele kes DeeOeej Hej
yeveeF& ieF& nQ Deewj meYeer JeemleefJeke HenuegDeeW kes meboYe& ceW, Yeejle keer MeeKeeDeeW/
keeee&ueeeW kes efJe<ee ceW Yeejle ceW Deewj efJeosMeer MeeKeeDeeW/keeee&ueeeW kes efJe<ee
ceW mebye osMe ceW Heeeefuele meebefJeefOeke HeeJeOeeveeW SJeb efJeOeeDeeW kes DevegHe, peye
leke efke keesF& DeveLee GuuesKe ve efkeee ieee nes, yeveeF& ieF& nQ.
1.2 Devegceeveesb kee Gheeesie
Consolidated Financial Statements (CFS) of the Bank

(Parent), its subsidiaries, joint ventures and associates
are drawn up on historical cost basis and conform in all
material aspects to statutory provisions and practices
prevailing in India in respect of Indian offices / branches
and respective foreign countries in respect of foreign
offices / branches, unless otherwise stated.
1.2
The preparation of financial statements requires the

management to make estimates and assumptions
considered in the reported amount of assets and
liabilities (including contingent liabilities) as of date of
the financial statements and the reported income and
expenses for the reporting period.
Management
believes that the estimates used in the preparation of
the financial statements are prudent and reasonable.
efJeeere efJeJejCeeW kees leweej kejves ceW efJeeere efJeJejCe keer leejerKe kees efjHees&
keer ieF& Deeefmle SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) leLee efjHees& keer
ieF& DeJeefOe nsleg Deee SJeb Jee mebyebOeer jeefMe kees efjHees& kejves nsleg HeyebOeve
kees keg DevegceeveeW Deewj DeekeueveeW kees DeeOeej yeveevee He[lee nw. HeyebOeve kee
efJeMJeeme nw efke efJeeere efJeJejCe kees leweej kejves kes efueS Heegkele Deekeueve
efJeJeskeHetCe& Deewj Gefele nw.
2.
meceskeve Heefeee
2.1 mecetn (12 Deveg<ebefieeeb, 6 meneesieer FkeeFeeW leLee 3 mebegkele Gece) keer
mecesefkele efJeeere efJeJejefCeeeb efvecveefueefKele kes DeeOeej hej leweej keer ieF& nQ :
USE OF ESTIMATES:
2.
COnSOLiDATiOn PROCEDURE:
2.1
CFS of the group (comprising of -12- Subsidiaries,

-6- Associates and -3- Joint Ventures) have been
prepared on the basis of :
ke) yeQke Dee@]He ye[ewoe (cetue) kes uesKee-hejeref#ele Keeles

Ke) Deveg<ebefieeeW keer Deeefmle/oselee/Deee/Jee keer eleske ceo kee cetue mebmLee
keer mebyebefOele ceo kes meeLe ueeFve-t-ueeFve Ske$eerkejCe leLee Yeejleere
meveoer uesKeekeej mebmLeeve (DeeF&meerSDeeF&) eje peejer uesKeekebve ceeveke
(SSme-21) kes Devegmeej meYeer Fvê eghe Mes<eeW/mebJeJenejeW Deewj Jemetue
ve efkeS ieS ueeYe/neefve kees kece kejles ngS.
a.
Audited accounts of Bank of Baroda (Parent).
b.
Line by line aggregation of each item of asset/

liability/income/expense of the subsidiaries with
the
respective item of the Parent, and after
eliminating all material intra-group balances /
transactions, unrealised profit/loss as per AS 21
(Consolidated Financial Statements) issued by the
Institute of Chartered Accountants of India (ICAI).
ie)
meneesieer mebmLeeDeeW ceW efveJesMe kee uesKeebkeve uesKee Hejeref#ele efJeeere

efJeJejefCeeeW kes DeeOeej Hej DeeF&meerSDeeF& eje peejer DekeeGbefbie
Hee@j FveJesmceW Fve SmeesefmeSdme Fve kevemeeefue[ss[ HeeFveWefMeeue
msceWdme S Sme 23 FefkeJeer HeCeeueer kes DevegHe efkeee ieee nw.
c.
Investments in Associates are accounted for under

the Equity Method as per AS 23 (Accounting for
Investments in Associates in Consolidated Financial
Statements) issued by ICAI based on the audited
Financial Statements of the associates.
Ie)
mebege GeceeW ceW efveJesMe, DeeF&meerSDeeF& eje peejer SSme-27

(HeeeveWefMeeue efjheese\ie Dee@He Fvsjm Fve pJeeFb JeWej) ceW efveOee&efjle
meceevegheeefleke DeeOeej hej mecesefkele efkeee ieee nw.
d.
Interests in Joint Ventures are consolidated on

Proportionate consolidation method as prescribed
in AS 27 (Financial Reporting of Interests in Joint
Ventures) issued by ICAI.
2.2 uesKeebkeve veerefleeeW ceW Devlej nesves keer efmLeefle ceW Deveg<ebefieeeW, mebegkele Gece SJeb
meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeW kees, peneb keneR DeeJeMeke leLee
JeJeneefjke nes, cetue keer uesKee-veerefleeeW kes DevegHe meceeeesefpele efkeee ieee
nw.
2.2
In case of difference in Accounting Policies, the Financial

Statements of Subsidiaries, Joint ventures and
Associates are adjusted, wherever necessary and
practicable, to conform to the Accounting Policies of the
Parent.
2.3 mecesefkele efJeeere efJeJejefCeeeW kes ceeFveesefjer Fvjsm ceW Deveg<ebefieeeW keer Meg
FefkeJeer/ueeYe ceW ceeFveesefjer MesejOeejkeeW kes DebMe meceeefnle nw.
2.3
Minority interest in the CFS consists of the share of

the minority shareholders in the net equity / profit of the
subsidiaries.
246
2012-13
2.4 cetue mebmLee eje Fmekeer Deveg<ebefieeeW ceW efkeS ieS efveJesMe keer ueeiele Deewj
Deveg<ebefieeeW ceW FefkeJeer ceW cetue mebmLee kes efnmmes keer ueeiele Deblej kees ieg[efJeue/
Heejef#ele Hetbpeer, pewmee Yeer ceeceuee nes, kes He ceW ceevee ieee nw.
2.4
The difference between cost to the Parent of its initial

investment in the subsidiaries and the Parents portion of
the equity of the subsidiaries is recognized as goodwill/
capital reserve as the case may be.
3.
3.
inVESTMEnTS:
3.1 JeieeakejCe
cetue mebmLee leLee Fmekeer Iejsuet Deveg<ebefieeeW kes efveJesMe Hees&Heesefueees kees
Yeejleere efjp] eJe& yeQke kes efoMee efveoxMeevegmeej efvecveevegmeej Jeieeake=le efkeee ieee nw :
(ke) HeefjHekeJelee leke Oeeefjle efveJesMe jeefMeeeW ceW HeefjHekeJelee leke jKeves
kes GsMe mes HeeHle efveJesMe Meeefceue nQ.
(Ke) JeeHeej nsleg Oeeefjle ceW Jes efveJesMe Meeefceue nQ efpevnW JeeHeej kes GsMe
mes HeeHle efkeee ieee nw.
(ie) efyeeer nsleg GHeueyOe ceW Jes efveJesMe Meeefceue nQ pees GHejeskele ke leLee
Ke ceW Meeefceue veneR nQ DeLee&led pees ve lees JeeHeej kes GsMe mes HeeHle efkeS
ieS nQ Deewj ve ner HeefjHekeJelee leke jKeves kes GsMe mes HeeHle efkeS ieS nQ.
3.2 DeefOeenCe ueeiele
3.1
Classification
efveJesMeeW kes DeefOeenCe keer ueeiele-eeslmeenveeW, eb SC[ heerme SJeb keceerMeve

kee kegue eesie nw.
efveJesMe
3.3 cetueebkeve kee DeeOeej

HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW kees Yeeefjle Deewmele
Deefpe&le ueeiele Hej efueee ieee nw, eefo Jen Debefkele cetue mes DeefOeke vener nQ.
efJehejerle efmLeefle ceW Heerefceece kees HeefjHekeJelee keer Mes<e DeJeefOe leke HeefjMeesefOele
efkeee ieee nw.
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW ceW Ssmes ef[yeWej/yeeb[dme
Meeefceue nQ efpevnW mJeHe/Heke=efle keer ef< mes Deefiece ceevee peelee nw (efpevekes
efueS DeefieceeW hej ueeiet Deeefmle JeieeakejCe Deewj HeeJeOeeveerkejCe mebyebOeer Yeejleere
efj]peJe& yeQke kes efJeJeskeHetCe& ceeveob[ ueeiet kejles ngS HeeJeOeeve efkeee ieee nw.)
#es$eere ieeceerCe yeQkeeW ceW, ^s]pejer efyeueeW, keceefMe&eue HesHeme&, Fbefoje efJekeeme-He$e,
efkemeeve efJekeeme He$e Deewj pecee HeceeCe He$e ceW efkeS ieS efveJesMeeW kees jKeeJe
ueeiele DeeOeej hej cetueebkeve efkeee ieee nw.
23.08.2006 kes heeeled cetue eje JeermeerShe keer F&keeFeeW ceW efkeS ieS efveJesMe
kees DeejefcYeke leerve Je<eeX kes efueS heefjhekeJelee leke Oeeefjle esCeer ceW Jeieeake=le
efkeee ieee nw leLee keercele kes DeeOeej hej cetueebkeve efkeee ieee nw. mebefJelejCe
kes leerve Je<eeX kes heeeled FvnW SSheSme ceW Debleefjce kee efoee peeSiee leLee
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej yeepeej efeefvnle jKee peeSiee.
JeeHeej kes efueS Oeeefjle SJeb efyeeer kes efueS GHeueyOe kes He ceW Jeieeake=le
efveJesMe yeepeej efmeHeJeej efeefle efkeee ieee nQ leLee legueve He$e ceW Heleske
esCeer ceW oMee&S ieS HeefjCeeceer Meg cetueeme eefo keesF& nw, kees ueeYe neefve
Keeles ceW mLeeve efoee ieee nw. peye efke Meg cetueJe=ef eefo keesF& nes, kees
es[ efoee ieee nw.
JeeHeej kes efueS Oeeefjle esCeer kes lenle ^spejer efyeueeW ceW eeLeefceke [eruej kes
He ceW cetue yeQke eje efkees iees efveJesMe kee jKe-jKeeJe ueeiele Hej cegueebkeve
efkeee ieee nw.
JeeHeej kes efueS Oeeefjle leLee efyeeer kes efueS GHeueyOe esCeer kes efveJesMeeW
kes cetueebkeve kes efueS yee]peej me@ke SkemeeWpe ceW GodOe=le ojW HeeFcejer [erueme&
SmeesefmeSMeve Dee@He FefC[ee (Heer[erSDeeF&) efHekem[ Fvkece ceveer ceekex SC[
[sefjJesefJme SmeesefmeSMeve (SHeDeeF&SceSce[erS) eje Ieesef<ele ojeW kee GHeeesie
efkeee ieee nw.
efpeve efveJesMeeW kes efueS Ssmeer ojW / GodOe=le ojbs GHeueyOe veneR nQ, Gvekee cetueebkeve
The Investment portfolio of the Parent and its domestic

subsidiaries is
classified in accordance with
Reserve Bank of India guidelines into:
(a)
Held to Maturity (HTM) comprising investments

acquired with the intention to hold them till maturity.
(b)
Held for Trading (HFT) comprising investments

acquired with the intention to trade.
(c)
Available for Sale (AFS) comprising investments

not covered by (a) and (b) above i.e. those which are
acquired neither for trading purposes nor for being held
till maturity.
3.2
Acquisition Cost
Cost of Acquisition of Investments is net of incentives,
front-end fees and commission.
3.3
Basis of Valuation
Investments classified as HTM are carried at weighted
average acquisition cost unless it is more than the face
value, in which case the premium is amortized over the
period remaining to maturity.
Investments classified as HTM includes debentures /
bonds which are deemed to be in the nature of / treated
as advances (for which provision is made by applying
the RBI prudential norms of assets classification and
provisioning applicable to advances).
Investments in Regional Rural Banks, Treasury Bills,
Commercial Papers and Certificates of Deposit which
have been valued at carrying cost.
Parents investment in units of VCFs made after
23.08.2006 are classified under HTM category for initial
period of three years and are valued at cost. After period
of three years from date of disbursement, it will be shifted
to AFS and marked-to-market as per RBI guidelines.
Investments classified as HFT and AFS are marked to
market, scrip-wise and the resultant net depreciation if
any in each category disclosed in the Balance Sheet is
recognized in the Profit and Loss Account, while the net
appreciation, if any, is ignored.
Investments made by the Parent as Primary Dealer in
Treasury Bills under HFT category have been valued at
carrying cost.
For the purpose of valuation of quoted investments in
HFT and AFS categories, the market rates/quotes on
the Stock exchanges, the rates declared by Primary
Dealers Association of India (PDAI)/ Fixed Income
Money Market and Derivatives Association (FIMMDA)/
Foreign Exchange Dealers Association of India (FEDAI)
are used.
Investments for which such rates / quotes are not
available are valued as per norms laid down by Reserve
247
2012-13
Bank of India, which are as under: -
Yeejleere efj]peJe& yeQke (DeejyeerDeeF&) eje efveOee&efjle ceeveoC[eW kes Devegmeej efkeee
ieee nw pees efvecveevegmeej nQ :-
ke. mejkeejer/Devegceesefole - HeefjHekeJelee Heelf eHeue kes DeeOeej Hej

Heelf eYetelf eeeb
Ke. FefkeJeer Mesej,
HeerSmeet SJeb ^mer
Mesej
- Deeleve legueveHe$e (12 ceen mes DeefOeke
ie. DeefOeceeveer Mesej
- HeefjHekeJelee HeefleHeue kes DeeOeej Hej,
Hegjevee veneR) kes Devegmeej yener cetue Hej

DeveLee `1 Heefle kebHeveer
Government / Approved
securities
On Yield to Maturity basis.
Equity
Shares, PSU
and Trustee
shares
At book value as per the latest

Balance Sheet (not more than
12 months old), otherwise Re.1
per company.
Preference
Shares
On Yield to Maturity basis with

PSU Bonds
On Yield to Maturity basis with

Units of
Mutual
Funds
At the latest repurchase price

/ NAV declared by the Fund in
respect of each scheme.
Venture
Capital
Declared NAV or break up

NAV as per audited balance
sheet which is not more than
18 months old. If NAV/ audited
financials are not available
for more than 18 months
continuously then at Re. 1/- per
VCF.
mecegefele esef[ mes[ ceeke&DeHe meefnle

Ie. HeerSmeet yee@v[
- mecegefele esef[ mHes[ ceeke&-DeHe kes meeLe
HeefjHekeJelee HeefleHeue kes DeeOeej Hej

* ceg eg D eue He b [ keer - Heb[ eje Heleske mkeerce kes mebyebOe ceW
Ieesef<ele Deeleve HegveKe&jero cetue/Meg
etefveW
Deeefmle cetue SveSJeer Hej
e. Gece Hetbpeer
- uesKee Hejeref#ele legueve He$e kes Devegmeej
Ieesef<ele SveSJeer peesefke 18 ceen mes peeoe

Hegjeveer ve nes, eefo ueieeleej 18 ceen mes
DeefOeke kes SveSJeer ee uesKee Hejeref#ele
efJeeere Deebke[s GHeueyOe ve neW lees Heefle Gece
Hetbpeer efveefOe (JeerSmeSHe) `1/3.4 efveJesMeeW kee efvemleejCe
3.4
Profit / loss on sale of investments classified as HTM

is recognized in the Profit and Loss account based on
the weighted average cost / book value of the related
investments and an amount equivalent of profit on sale
of investments in HTM classification is appropriated to
Capital Reserve Account.
HeefjHekeJelee leke Oeeefjle kes He ceW Jeieeake=le efveJesMeeW keer efyeeer Hej ueeYe/
neefve kees mebyebefOele efveJesMeeW keer Yeeefjle Deewmele ueeiele/yener cetue kes DeeOeej
Hej ueeYe SJeb neefve Keeles ceW Debefkele efkeee peelee nw SJeb HeefjHekeJelee leke
Oeeefjle JeieeakejCe ceW mebyebefOele efveJesMeeW kes yener cetue kes mecelegue ueeYe kees
Heejef#ele Hetbpeer Keeles ceW efJeefveeesefpele efkeee peelee nw.
SSheSme/SeSheer esCeer kes efveJesMeeW keer efyeeer hej ngF& ueeYe/neefve kees ueeYe
SJeb neefve Keeles ceW efueee ieee nw.
3.5 yeQke kes eje efveJesMeeW kes efueS, efveheeve leejerKe DeeOeej hej mecehe uesKee eCeeueer
kee DevegmejCe efkeee pee jne nw.
Disposal of Investment
Profit /loss on sale of Investment in AFS/HFT category

is recognized in Profit and Loss account.
3.5
The Parent is following uniform methodology of

accounting for investments on settlement date basis.
3.6
3.6 efJeosMeer MeeKeeDeeW ceW efveJesMe kes mecyebOe ceW Yeejleere efj]peJe& yeQke DeLeJee cespeyeeve
osMeeW kes efoMee-efveoxMeeW kee, oesveeW ceW mes pees DeefOeke ke"esj neW, kee DevegHeeueve
efkeee peelee nw. Ssmeer MeeKeeDeeW kes ceeceues ceW pees Ssmes osMeeW ceW efmLele nw peneb
keesF& efJeefMe< efoMeeefveoxMe veneR nw, Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kee
Heeueve efkeee peelee nw.
In respect of Investments at Overseas Branches,

Reserve Bank of India guidelines or those of the host
countries, whichever are more stringent are followed. In
case of those branches situated in countries where no
guidelines are specified, the guidelines of the Reserve
Bank of India are followed.
3.7
3.7 Fve esefCeeeW kes yeere HeefleYetefleeeW kes DeblejCe keer ieCevee, DeblejCe keer leejerKe
kees Gmekeer DeefOeienCe ueeiele/yener cetue/ yeepeej cetue ceW mes pees Yeer kece nes,
Hej keer ieF& nw Deewj Ssmes DeblejCe kes HeuemJeHe DeeS cetueeme, eefo keesF&
nw, kes efueS HeeJeOeeve efkeee ieee nw.
The transfer of a security between these categories

is accounted for at the acquisition cost / book value /
market value on the date of transfer, whichever is the
least, and the depreciation, if any, on such transfer is
fully provided for.
3.8
In respect of domestic non-performing securities,

income is not recognised, and provision is made for
depreciation in the value of such securities as per RBI
guidelines.
3.9
REPO / REVERSE REPO
3.8 Iejsuet iewjefve<heeoke eefleYetefleeeW mes mebyebefOele Deee kees veneR efueee ieee nw.
Deewj Fve eefleYetefleeeW kes cetue ceW cetueeme kes efueS Yeejleere efj]peye& yeQke kes
efveoxMeevegmeej eeJeOeeve efkeee ieee nw.
3.9 jshees / efjJeme& jshees
yeQke ves Hegve: Kejero leLee HeleeJeefle&le Hegve: Kejero uesveosveeW kees uesKeebefkele
248
The Parent has adopted the Uniform Accounting

Procedure prescribed by the RBI for accounting of
market Repo and Reverse Repo transactions [other

than the Liquidity Adjustment Facility (LAF) with the
RBI]. Repo and Reverse Repo Transactions are treated
as Collaterised Borrowing / Lending Operations with
an agreement to Repurchase on the agreed terms.
Securities sold under Repo are continued to be shown
under Investments and Securities purchased under
Reverse Repo are not included in Investments. Costs
and revenues are accounted for as interest expenditure
/ income, as the case may be.
kejves nsleg Yeejleere efj]peJe& yeQke eje yeleeF& ieF& Ske meceeve uesKee HeCeeueer kees
DeHeveeee nw. jshees / efjJeme& jshees Keeles ceW Mes<e jeefMe kees efveJesMe Keeles ceW Mes<e
jeefMe keer SJepe ceW meceeeesefpele keer ieF& nw. (Yeejleere efj]peJe& yeQke kes meeLe
eue efveefOe meceeeespeve eespevee (SueSSHe) kes Debleie&le ngS uesveosveeW kees
es[kej). efjHees SJeb efjJeme& efjHees uesveosveeW kees, mencele MeleeX Hej HegveKe&jero
kejves kes mecePeewles kes meeLe mebHeeeqe&ke GOeej/$e+Ce kes He ceW efueee ieee nw.
efjhees kes Devleie&le yeseer ieF& eefleYetefleeeb GvnW efjJeme& efjhees kes lenle efveJesMe Je
Kejeroer ieF& eefleYetefleeeW kes he ceW oMee&ee ieee nw, leLee GvnW efveJesMeeW ceW
Meeefceue veneR efkeee ieee nw. ueeiele leLee jepemJe keer ieCevee yeepe Jee/
Deee pewmee Yeer ceeceuee nes kes efnmeeye mes keer ieF& nw.
Yeejleere efj]peJe& yeQke kes meeLe eueefveefOe meceeeespeve megefJeOee kes lenle Kejeroer
/ efyeeer keer ieF& eefleYetefleeeb efveJesMe Keeles ceW veeces / pecee keer ieeer nQ leLee FvnW
mebJeJenej keer heefjhekeJelee hej efjJeme& kej efoee ieee nw. Fve hej Jee / Deefpe&le
efkees ieS yeepe kees Jee / ueeiele kes he ceW uesKeebefkele efkeee ieee nw.
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.
3.10 DERIVATIVES
The Parent presently deals in interest rate and currency
derivatives. The interest rate derivatives dealt with by
the Parent are Rupee Interest Rate Swaps, Foreign
Currency Interest Rate Swaps and forward rate
agreements. Currency Derivatives dealt with by the
Parent are Options and Currency swaps.
3.10 [sefjJesefJme :
yeQke Jele&ceeve ceW yeepe ojeW leLee cege [sefjefJeefJme ceW [erue kejlee nw. yeQke eje
JeJeneefjle yeepe oj [sefjefJeefJme ceW Heee yeepe oj mJewHe, efJeosMeer cege yeepeoj
mJesHe leLee HeejJe[& js SieerceWdme Meeefceue nQ. yeQke eje JeJenej ceW ueees peeves
Jeeues cege [sefjJesefJme ceW Dee@HMeve leLee cege mJesHme nQ.
Based on RBI guidelines, Derivatives are valued as

under:
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes DeeOeej Hej, [sefjJesefJme kee cetueebkeve
efvecveevegmeej efkeee peelee nw :
The hedge / non-hedge (market making) transactions are

recorded separately. Derivative contracts designated as
hedges are not marked to market unless their underlying
asset is marked to market. Trading derivative positions
are marked-to-market (MTM) and the resulting losses,
if any, are recognized in the Profit and Loss Account.
Profit, if any, is ignored. Income and Expenditure
relating to interest rate swaps are recognized on the
settlement date. Gains / losses on termination of the
trading swaps are recorded on the termination date as
income / expenditure.
JeJemLee yeeeJe/iewj JeJemLee yeeeJe (ceekex cesefkebie) mebJeJenej Deueie-Deueie

efjkee[& efkees peeles nQ. JeJemLee yeeeJe [sefjJesefJme kees Gheefele DeeOeej Hej
uesKeebefkele efkees peeles nQ. ^sef[bie [sefjJesefJe HeesefpeMevme kees yeepeej efeefvnle
efkeee ieee nw leLee heefjCeeceer neefve, eefo keesF& nes, kees ueeYe-neefve Keeles ceW
ope& efkeee ieee nw. ueeYe, eefo keesF& nes, kees es][ efoee ieee nw. yeepe oj
mJewHe mes mebyebefOele Deee leLee Jee efveheeve leejerKe kees efueee ieee nw. ^sef[bie
mJewHme keer meceeefHle Hej ngS ueeYe/neefve kees meceeefHle efleefLe Hej Deee/Jee kes
He ceW ope& efkeee ieee nw.
For the purpose of valuation, the fair value of the total

swap is computed on the basis of the amount that
would be receivable or payable on termination of the
transactions of the swap agreements as on the Balance
Sheet date. Losses arising there from, if any, are fully
provided for while the profits, if any, are ignored.
cetueebkeve kes GsMe mes kegue mJewhe kes Gefele cetue keer ieCevee Gme jeefMe kes
DeeOeej hej keer ieeer nw pees efke leguevehe$e keer leejerKe kees mJewhe mecePeesleeW mes
mebyebefOele uesve-osve keer meceeefhle hej eehe ee ose nesiee. Fmemes mebyebefOele neefve,
eefo keesF& nes, kes efueS hetCe& eeJeOeeve efkeS ieS nQ peyeefke ueeYe, eefo keesF&
nes, kees es[ efoee ieee nw.
4.
2012-13
Contingent Liabilities on account of derivative contracts

denominated in foreign currencies are reported at
closing rates of exchange notified by FEDAI at the
Balance Sheet date.
efJeosMeer cege Jeeues [sefjJeserJe mebefJeoeDeeW mes mebyebefOele Deekeefmceke oseleeDeeW kees
leguevehe$e keer leejerKe kees hes[eF& eje DeefOemetefele keueesefpebie efJeefvecee ojeW
hej efjhees& efkeee ieee nw.
ADVAnCES:
Deefiece
4.1
Advances in India of the Parent and Subsidiaries are

classified as Standard, Sub-standard, Doubtful or Loss
assets and Provision for losses are made on these
assets as per Prudential Norms of Reserve Bank
of India. In respect of Advances made in overseas
branches and overseas subsidiaries, Advances are
classified in accordance with stringent of the Prudential
Norms prescribed by the Reserve Bank of India or local
laws of the host country in which advances are made,
whichever is more stringent.
4.1 cetue mebmLee leLee Fmekeer Iejsuet meneesieer mebmLeeDeeW kes Deefiece ceeveke,
DeJeceeveke, mebefoiOe SJeb neefve DeeefmleeeW kes He ceW Jeieeake=le efkeS ieS nQ Deewj
Fve hej ngF& neefve kes mebyebOe ceW Yeejleere efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe&
ceeveoC[eW kes Devegmeej eeJeOeeve efkeS ieS nQ. efJeosMeer MeeKeeDeeW leLee Deveg<ebefieeeW
eje efkeS ieS Deefece kes mebyebOe ceW DeefeceeW kee JeieeakejCe Yeejleere efj]peJe&
yeQke DeLeJee cespeyeeve osMe, efpemeceW Deefiece efoee ieee nw, kes DevegHe efkeee
ieee nw, Fve ceW mes pees Yeer DeefOeke ke"esj nes.
249
2012-13
4.2 Deefiece jeefMe, Gevle Keeles kes yeepe, Jeeoiemle efJeefJeOe pecee KeeleeW ceW HeeHle
SJeb jKeer ieF& jeefMe, HeeHle keuesce Deewj iewj efve<Heeefole DeefieceeW kes efueS efkeS
ieS HeeJeOeeve kes yeeo keer jeefMe nw.
4.3 Hegveefve&Oee&efjle/Hegveie&ef"le KeeleeW kes mebyebOe ceW Yeejleere efj]peJe& yeQke kes ceeie&
efveoxMeeW kes Devegmeej ceewpetoe cetue MeleeX ceW Deebkes iees yeepe neefveeeW kes efueS
HeeJeOeeve efkeee ieee nw.
4.4 Deeefmle Hegveie&"ve kebHeveer (SDeejmeer)/peebe kebheveer (Smemeer) kees yeseer ieF& DeeefmleeeW
kes ceeceues ceW eefo efyeeer Meg yener cetue (Sveyeer Jeer) (DeLee&le yener cetue IeeSb
Oeeefjle eeJeOeeve) mes kece cetue Hej keer ieF& nes lees neefve (keceer) kees ueeYe neefve
Keeles ceW veeces efkeee ieee nw. eefo efyeeer cetue, Meg yener cetue mes peeoe nw
lees Deefleefjkele HeeJeOeeve jeefMe kees efjJeme& veneR efkeee ieee nw Deefheleg Fmekee
Gheeesie otmejer iewj efve<heeoke DeeefmleeeW keer efyeeer kes HeuemJehe keceer / Iees
kees hetje kejves kes efueS efkeee ieee nw.
5.
Deeue Deeefmleeeb
5.1 Hegvecet&ueebefkele HeefjmejeW kees es[kej, Heefjmej Je Deve Deeue Deeefmleeeb

meeceevele: HejcHejeiele ueeiele Hej ueer ieF& nQ, Hegvecet&ueebkeve Hej ngF& Je=ef
kees Hetbpeeriele Heejef#ele efveefOe ceW pecee efkeee ieee nw. Ssmeer ye{er ngF& jeefMe Hej
cetueeme nsleg efkeS ieS HeeJeOeeve kees FmeceW mes Iee efoee peelee nw.
5.2 Heefjmej ceW Yetefce leLee efvecee&CeeOeerve YeJeve kee meceeJesMe nQ.
6.
7.
Heejef#ele efveefOeeeb SJeb DeefOeMes<e
4.2
Advances are net of specific loan loss provisions,

interest suspense; amount received and held in suitfiled Sundry Deposit and Claims Received.
4.3
In respect of Rescheduled / Restructured accounts,

Provision for diminution in fair value of restructured
advances is measured in present value terms as per
RBI guidelines.
4.4
In case of financial assets sold to Asset Reconstruction

Company (ARC) / Securitization Company (SC), if the
sale is at a price below the net book value (NBV), (i.e.
Book value less provisions held) the shortfall is debited
to the Profit and Loss Account. If the sale value is higher
than the NBV, the surplus provision is carried forward
and utilised to meet the shortfall /loss on account of
subsequent sale of non-performing financial assets.
5.
FiXED ASSETS:
5.1
Premises and other fixed assets are stated at historical

cost except revalued premises which are stated at
revalued amount. The appreciation on such revaluation
is credited to Capital Reserve and the depreciation
provided thereon is deducted there from.
5.2
Premises include Land and Building under construction.
6.
RESERVES AnD SURPLUS:

Revenue and other Reserves include Statutory
Reserves created by foreign branches as per applicable
local laws of the respective countries.
jepemJe SJeb Deve Heejef#ele efveefOeeeW ceW mecye osMeeW ceW Heeefuele mLeeveere
keevetveeW kes Devegmeej efJeosMeer MeeKeeDeeW eje efveefce&le meebefJeefOeke Heejef#ele efveefOeeeW
kees Meeefceue efkeee ieee nw.
7.
REVEnUE RECOGniTiOn:
jepemJe kee efveOee&jCe
1.
Income (other than item referred in Paragraph 7.2)/

expenditure is generally recognised on accrual basis.
In case of foreign offices, income/ expenditure is
recognised as per the local laws of the country in which
the respective foreign office is located.
2.
Income by way of Fees, Commission other than on

Government business, Commission on Guarantees,
Letter of Credits, Exchange, Brokerage and interest on
Advance Bills are accounted for on realisation basis.
Dividend on shares in subsidiaries, joint ventures and
associates is accounted on realisation basis.
3.
In view of uncertainty of collection of income in cases

of Non-performing Assets/ Investments, such income
is accounted for only on realization in terms of the RBI
guidelines.
4.
Lease payments including cost escalation for assets

taken on operating lease are recognised in the Profit
and Loss Account over the lease term in accordance
with the AS 19 (Leases) issued by ICAI.
LiFE inSURAnCE COMPAnY:
1.
Premium Income:
ke. peye leke DeveLee GuuesefKele ve nes, Deee (HewjeeeHe 7.2 ceW GequueefKele ceo
mes efYeVe) / Jee kee efveOee&jCe GHeee DeeOeej Hej efkeee ieee nw. efJeosMeer
keeee&ueeeW kes ceeceues ceW mecye osMe peneb efJeosMeer keeee&uee efmLele nw, mLeeveere
efveeceeW kes lenle Deee kee efveOee&jCe efkeee ieee nw.
Ke. MegukeeW kes ceeOece mes HeeHle Deee, mejkeejer keejesyeej kees es[kej keceerMeve,
ieejber, meeKehe$e hej keceerMeve, efJeefvecee, oueeueer leLee Deefleose efyeueeW/Deefiece
efyeueeW Hej yeepe kees JeemleefJeke Jemetueer DeeOeej Hej efnmeeye ceW efueee ieee nw.
Deveg<ebefieeeW, mebegkele GeceeW leLee meneesieer FkeeFeeW ceW MesejeW ceW ueeYeebMe kees
Jemetueer DeeOeej Hej efnmeeye ceW efueee ieee nw.
ie. iewj efve<Heeefole DeefieceeW leLee efveJesMeeW kes ceeceueeW ceW Deee keer Jemetueer keer
Deefveefelelee kes keejCe Ssmeer Deee Yeejleere efj]peJe& yeQke ceeie&efveoxMeeW kes
Devegmeej kesJeue Jemetue nesves Hej ner uesKeebefkele keer ieF& nw.
Ie. Heefjeeueve ueerpe Hej ueer ieF& DeeeqmleeeW kes efueS ueeiele Je=ef meefnle ueerpe
YegieleeveeW kees DeeF&meerSDeeF& eje peejer SSme 19 (ueerpe) kes Devegmeej ueerpe
ce& Hej ueeYe SJeb neefve uesKee ceW efnmeeye ceW efueee peelee nw.
8. peerJeve yeercee kecHeveer

ke. heerefceece Deee
ose nesves hej heerefceece (mesJee kej kee efveJeue) kees Deee kes he ceW efnmeeye ceW
efueee peelee nw. menJeleea JeJemeee kes efueS peye meneesie FkeeFeeb me=efpele
keer peeleer nQ, heerefceece kees ieCevee ceW efueee peelee nw. e@he-Dehe heerefceece kees
Skeue heerefceece kes he ceW mecePee peelee nw.
keeueeleerle heeefueefmeeeW hej heerefceece kees leye Deee kes he ceW efueee peelee nw
peye Ssmeer hee@efueefmeeeb hegve: eeuet keer peeleer nQ.
250
Premium (net of service tax) is recognised as income

when due. For linked business, premium is recognised
when the associated units are created. Top up premiums
are considered as single premium.
Premium on lapsed policies is recognised as income
when such policies are reinstated.
Commission received on reinsurance ceded is

recognised as income in the period in which reinsurance
premium is ceded.
hegveyeeacee nesves hej heehle keceerMeve kees Gme DeJeefOe ceW Deee kes he ceW eEnmeeye
ceW efueee peelee nw peye hegveyeeacee heerefceece heehle neslee nw.
Ke. eEueke[ efveefOeeeW mes Deee
2.
hegveyeeacee heerefceece
3.
heoe ueeYe (oeJeeW meefnle)
[.
heoe ueeYeeW ceW hee@efuemeer ueeYe leLee oeJee efveheeve ueeiele, eefo keesF& nes,
Meeefceue nQ.
ce=leg, DevegJe=ef (jeF[j) leLee DeYehe&Ce oeJeeW kees metevee heehle nesves hej
efnmeeye ceW efueee peelee nw.
GejpeerJeer ueeYe oeJeeW leLee heefjhekeJelee oeJeeW kees ose nesves hej ieCevee ceW
efueee peelee nw.
eEueke[ heeefueefmeeeW kes lenle DeenjCeeW leLee DeYehe&CeeW kees mebyebefOele eespeveeDeeW
ceW leye efnmeeye ceW efueee peelee nw. peye Deveg<ebieer etefveW efvejmle nes peeleer nw.
oeJeeW hej hegveyeeacee Jemetueer kees mebyebefOele oeJeeW keer Gmeer DeJeefOe ceW efnmeeye ceW
efueee peelee nw.
DeefOeienCe ueeiele
DeefOeienCe ueeie Ssmeer ueeiele nw pees efYeVe-efYeVe nesleer nQ Deewj yeercee mebefJeoeDeeW
kes DeefOeienCe mes cegKele: meceye nesleer nQ Deewj Jee nesles nQ peesefke KeeX
keer DeJeefOe mes mebye nesles nw.
e.
4.
pe. efveJesMe
Death, rider & surrender claims are accounted for on

receipt of intimation.
Survival benefit claims and maturity claims are
accounted for when due.
Withdrawals & surrenders under linked policies are
accounted for in the respective schemes when the
associated units are cancelled. Reinsurance recoveries
on claims are accounted for, in the same period as the
related claims.
5.
kece&eejer ueeYe
9.1 YeefJe<e efveefOe

yeQke Dee@He ye[ewoe HeerSHe efveeceeW kes Devegmeej YeefJe<e efveefOe Ske meebefJeefOeke
oeefelJe nw efpemekes lenle yeQke hetJe&efveOee&efjle ojeW hej efveefele DebMeoeve kee
Yegieleeve kejlee nw. yeQke keer yeeOelee Ssmes efveefele DebMeoeve leke ner meerefcele
nw. DebMeoeveeW kees ueeYe/neefve Keeles hej eYeeefjle efkeee peelee nw. efveefOeeebs kee
Acquisition Costs:
Acquisition costs are costs that vary with and are
primarily related to acquisition of insurance contracts
and are expensed in the period in which they are
incurred.
6.
Liability for life policies:

Actuarial liabilities of the company have been calculated
in accordance with the requirements of insurance
Act.1938, Insurance Regulatory and Development
Authority (Assets, Liabilities, and Solvency Margin of
Insurers) Regulations, 2000, Guidance Notes issued by
Institute of Actuaries of India and generally established
actuarial practices.
7.
Investments:
Investments are made in accordance with the Insurance
Act, 1938, the Insurance Regulatory and Development
Authority (Investment) Regulations, 2000, the insurance
regulatory and Development Authority (investment)
(Amendment) Regulations, 2001 and various other
circulars / notifications issued by the IRDA in this context
from time to time.
yeercee DeefOeefveece, 1938, yeercee efJeefveeeceke leLee efJekeeme heeefOekejCe

(efveJesMe) efJeefveeceve, 2000, yeercee efJeefveeeceke leLee efJekeeme heeefOekejCe
(efveJesMe) (mebMeesOeve) efJeefveeceve, 2001 leLee mecee-mecee hej DeeF&Deej[erS
eje peejer efkeS ieS heefjhe$eeW / DeefOemeteveeDeeW kes Devegmeej efveJesMe efkeee
peelee nw.
9.
Benefits paid (including claims):

Benefits paid comprise of policy benefits & claim
settlement costs, if any.
peerJeve yeercee heeefueefmeeeW kes efueS oselee

kebheveer keer yeerceebefkeke oseleeDeeW keer yeercee DeefOeefveece 1938, yeercee
efveeeceke leLee efJekeeme heeefOekejCe (Deeeqmleeeb, oseleeSb leLee yeerceekelee&DeeW
kes meesueJeWmeer ceee|peve) efJeefveeceve, 2000, Yeejleere yeerceebefkeke mebmLeeve eje
peejer efoMee-efveoxMe vees leLee meeceevele: mLeeefhele yeerceebefkeke heefleeeW kes
Devegmeej ieCevee keer peeleer nw.
Reinsurance Premium:
Cost of reinsurance ceded is accounted for at the time
of recognition of premium income in accordance with
the treaty or in-principle arrangement with the reinsurer.
Profit commission on reinsurance ceded is netted off
against premium ceded on reinsurance.
hegveyeeacee keer ueeiele kees yeerceekelee& kes meeLe keer ieF& Mele& DeLeJee efmeeblele:
JeJemLee kes Devegmeej heerefceece Deee kes efveOee&jCe kes mecee efnmeeye ceW efueee
peelee nw. hegveyeeacee hej ueeYe keceMeerve, hegveyeeacee mes heehle heerefceece hej vess[
Dee@]He efkeee peelee nw.
Ie.
Income from linked funds:

Income from linked funds which includes premium
allocation charges, policy administrative charges,
mortality charges, fund management charges etc. are
recovered from the linked funds in accordance with the
terms and conditions of policies issued.
eEueke[ efveefOeeeW, efpemeceW heerefceece Deeyebve heYeej, heeefuemeer heMeemeefveke

heYeej, cees&efueer heYeej, efveefOe heyebOeve heYeej Fleeefo Meeefceue nQ, mes Deee
kees peejer keer ieF& hee@efuemeer keer MeleeX SJeb efveeceeW kes Devegmeej eEueke[ efveefOeeeW
mes Jemetue efkeee peelee nw.
ie.
2012-13
9.
EMPLOYEES BEnEFiTS:
9.1
PROVIDENT FUND
Provident fund is a statutory obligation as per Bank of
Baroda PF Rules as the Bank pays fixed contribution
at pre-determined rates.The obligation of the Bank
is limited to such fixed contribution. The contributions
are charged to Profit and Loss Account. The fund is
251
2012-13
eyebOeve yeQke Dee@He ye[ewoe YeefJe<e efveefOe veeme eje efkeee peelee nw
9.2 eseter
yeQke Dee@He ye[ewoe eseter efveefOe efveeceeW SJeb efJeefveeceebs kes Devegmeej eseter
oselee Ske meebefJeefOeke oeefelJe nw Deewj Fmekes mebyebOe Je<e& keer meceeefhle ceW
yeerceebefkeke cetueebkeve kes DeeOeej hej eeJeOeeve efkees peeles nw. yeQke eje eespevee
kes efueS efveefOe GheueyOe kejeeer peeleer nw SJeb yeQke Dee@He ye[ewoe eseter efveefOe
^m eje Fmekee eyebOeve efkeee peelee nw.
managed by Bank of Baroda Provident Fund Trust.

9.2
Gratuity liability is a statutory obligation as per Bank

of Baroda Gratuity Fund Rules and Regulations and is
provided for on the basis of an actuarial valuation made
at the end of the financial year. The gratuity liability is
funded by the bank and is managed by Bank of Baroda
Gratuity Fund Trust.
9.3
9.3 heWMeve
9.4 DevegheefmLeefle #eeflehetefle&

mebefele DevegheefmLeefle #eeflehetefle&eeW pewmes efke DeefOekeejpeve DeJekeeMe (heerSue)
leLee iCe DeJekeeMe kees yeerceebefkeke cetueebkeve kes DeeOeej hej eoeve efkeee
ieee nw.
9.3.2
9.4
9.5
10.1 Yeejle ceW Deeue DeeefmleeeW hej cetueeme (veeres efoS ieS hewje 10.3 SJeb 10.4
ceW meboefYe&le kees es[) kebheveer DeefOeefveece 1956 keer Devegmeteer XIV kes Devegmeej
cetueeefmele yener cetue Heefle kes DeeOeej hej, hegvecet&efuele Deeefmle kees es[ efpemekes mebyebOe ceW Fve hegvece&tefuele DeeefmleeeW keer Devegceeefvele Gheeesefielee DeJeefOe
kes DeeOeej hej peeoe cetueeme efkeee peelee nw, eoeve efkeee ieee nw.
COMPENSATED ABSENCES
OTHER EMPLOYEE BENEFITS

Other Employee benefits such as Leave Encashment,
Leave Fare Concession and Additional Retirement
Benefit on Retirement are provided for based on
Deve kece&eejer ueeYe pewmes efke ger vekeoerkejCe, ger efjeeele efkejeee
(SueShemeer), Deewj mesJeeefveJe=efle Hej Deefleefjkele mesJeeefveJe=efle ueeYe Fleeefo
kees yeerceeefkeke cetueebkeve kes DeeOeej hej eoeve efkeee ieee nw.
10. cetueeme
New Pension Scheme which is applicable to

employees who joined bank on or after 01.04.2010
is a defined contribution scheme, Bank pays
fixed contribution at pre determined rate and the
obligation of the Bank is limited to such fixed
contribution. The contribution is charged to Profit
and Loss Account.
Accumulating compensated absences such as Privilege

Leave and Sick Leave are provided for based on
9.5 Deve kece&eejer ueeYe
efJeosMeer MeeKeeDeeW SJeb keeee&ueeeW kes mebyebOe ceW kece&eeefjeeW mes mebyebefOele
ueeYeeW kees, eefleefveegefe hej ieS kece&eeefjeeW kees es[, mebyeb osMe ceW ueeiet
keevetve kes DeeOeej hej uesKeeke=le efkeee ieee nw.
PENSION
9.3.1 Pension liability is a defined benefit obligation
under Bank of Baroda Employees Pension
Regulations 1995 and is provided for on the basis
of actuarial valuation made at the end of the
financial year, for the employees who have joined
Bank up to 31.03.2010 and opted for pension.
The pension liability is funded by Bank of Baroda
(Employees) Pension Fund Trust.
9.3.1 yeQke Dee@He ye[ewoe kece&eejer heWMeve efJeefveece 1995 kes Deble&iele heWMeve
oselee Ske efveefele efnleyeeOelee nw Deewj Fmekes mebyebOe efJee Je<e& keer
meceeefhle ceW mebefele cetueebkeve kes DeeOeej hej eeJeOeeve efkees peeles nQ.
en Gve kece&eeefjeeW kes efueS nw efpevnesves 31.3.2010 leke yeQke mesJee
enCe keer Deewj HeWMeve kee efJekeuHe efueee. yeQke Dee@He ye[ewoe (kece&eejer)
HesbMeve efveefOe veeme eje eespevee kes efueS efveefOe GheueyOe kejeeer peeleer
nw .
9.3.2 veF& HeWMeve eespevee, pees efke yeQke ceW 1.4.2010 kees DeLeJee Fmekes Heeele
mesJee ceW Deeves Jeeues kece&eeefjeeW Hej ueeiet nesleer nw, Ske HeefjYeeef<ele DebMeoeeer
eespevee nw. yeQke HetJe& efveOee&ejf le oj Hej efveeqele DebMeoeve kee Yegieleeve kejlee
nw. yeQke kee oeefelJe kesJeue efveOee&ejf le DebMeoeve leke ner meerecf ele nw. DebMeoeve
kees ueeYe SJeb neefve Keeles ceW eYeeefjle efkeee peelee nw.
GRATUITY
In respect of overseas branches and offices, the benefits

in respect of employees other than those on deputation
are valued and accounted for as per laws prevailing in
the respective territories.
10.
DEPRECiATiOn:
10.1 Depreciation on Fixed Assets in India [other than those

referred to in Para 10.3 & 10.4] is provided on the written
down value method in accordance with Schedule XIV to
the Companies Act, 1956, except in case of revalued
assets, in respect of which higher depreciation is
provided on the basis of estimated useful life of these
revalued assets.
10.2 Yeejle mes yeenj Deeue DeeefmleeeW hej cetueeme (veeres efoS ieS hewje 10.3 ceW
meboefYe&le kees es[) mLeeveere keevetve DeLeJee mebye osMe ceW ueeiet JeJenejeW Hej
eoeve efkeee ieee nw.
10.2 Depreciation on Fixed Assets outside India [other than

those referred to in Para 10.3 below] is provided as
per local laws or prevailing practices of the respective
territories.
10.3 kecHetjeW leLee meeHeJesej pees Yeejle Deewj Yeejle mes yeenj kebcHetj ne[&Jesej
kee DeefveJeee& Debie nQ, GveHej cetueeme Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW
kes Devegmeej m^s ueeFve efJeefOe mes 33.33% eefleJe<e& keer oj mes Heoeve efkeee
ieee nw. kebHetj meeHeJesej peesefke ne[&Jesej kee DeefveJeee& Debie veneR nw hej
cetueeme Kejero Je<e& kes oewjeve ner kej efoee ieee nw.
10.3 Depreciation on Computers and Software forming an

integral part of Computer Hardware, in and outside India
is provided on Straight Line Method at the rate of 33.33%
p.a, as per the guidelines of RBI. Computer software not
forming an integral part of hardware is charged directly
to Profit and Loss Account.
252

10.4 SerSce Hej cetueeme 20% eefleJe<e& keer oj mes m^s ueeFve efJeefOe mes Heoeve
efkeee peelee nw.
10.5 HeefjJe&veeW Hej cetueeme kee mebHetCe& Je<e& kes efueS HeeJeOeeve efkeee ieee nw. peye
efke yeses ieS/efvemleeefjle efkeS ieS Je<e& ceW cetueeme kee keesF& HeeJeOeeve veneR
efkeee ieee nw.
10.6 Heeke=le Yetefce SJeb heeke=le heefjmej mebyebOeer megOeejeW keer ueeiele kee Hes keer
DeJeefOe kes oewjeve HeefjMeesOeve efkeee ieee nw.
10.4 Depreciation on ATMs is provided on Straight Line

Method at the rate of 20% p.a.
10.5 Depreciation on additions is provided for full year and no
depreciation is provided in the year of sale / disposal.
10.6 Cost of leasehold land & leasehold improvements are
amortised over the period of lease.
11. iMPAiRMEnT OF ASSETS:
11. DeeefmleeeW keer #eefle

Deeue DeeefmleeeW keer #eefle, eefo keesF& nes, kee efveOee&jCe Yeejleere meveoer
uesKekeej mebmLeeve eje Fme mebyebOe ceW peejer uesKee ceeveke 28 (DeeefmleeeW keer
#eefle) kes Devegmeej efkeee peelee nw Deewj ueeYe neefve Keeles kees eYeeefjle efkeee
peelee nw.
12. efJeosMeer cege mebJeJenej

12.1 efJeosMeer cege mes mebyebefOele mebJeJenejeW kee uesKeebkeve Yeejleere meveoer uesKeekeej
mebmLeeve eje efJeosMeer cege oj ceW HeefjJele&veeW kes HeYeeJe Hej peejer uesKee ceeveke
11 efJeosMeer cegeojeW ceW heefjJele&ve kes eYeeJe kes DevegHe efkeee ieee nw.
12.2 uesKee ceeveke SSme-11 kes Heeespeve kes efueS yeQke kes cetue SJeb Deveg<ebieer efJeosMeer
cege HeefjeeueveeW kees (ke) Skeerke=le Heefjeeueve SJeb (Ke) Demeceekeefuele HeefjeeueveeW
kes He ceW Jeieeake=le efkeee ieee nw. cetue mebmLee keer meYeer efJeosMeer MeeKeeDeeW,
Dee@HeMeesj yeQekf ebie FkeeFeeW, efJeosMeer Deveg<ebeif eeeW kees Demeceekeefuele Heefjeeueve SJeb
efJeosMeer cege kes Iejsuet heefjeeueveeW SJeb Heelf eefveefOe keeee&ueeeW kees Skeerke=le Heefjeeueve
SJeb Heelf eefveefOe keeee&ueeeW kees Skeerke=le Heefjeeueve kes He ceW ceevee ieee nw.
12.3 Skeerke=le HeefjeeueveeW kes mebyebOe ceW mebJeJenej
(ke) mebJeJenejeW kees HeeLeefceke leewj Hej Hes[eF& eje metefele keer ieF& Deewmele
meeHleeefnke ojeW Hej efjkee[& ieee nw.
(Ke) efJeosMeer cege efJeefvecee mes mebyebefOele Deeefmle SJeb oseleeDeeW (Deekeefmceke
oseleeDeeW meefnle) kees Hes[eF& eje Heleske efleceener kes Deble ceW metefele
keer ieF& keueesefpebie mHee ojeW Hej Heebleefjle efkeee ieee nw.
(ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Deee DeLeJee Jee kes He ceW keer
ieF& nw leLee FvnW leovegmeej ueeYe neefve Keeles ceW uesKeebkeve efkeee ieee
nw. efJeosMeer cege Deeefmle oseleeDeeW mebyebOeer efkemeer Yeer Yegieleeve DeLeJee
efjJeme&ue kees efHeues meHleen keer Deewmele keueesefpebie ojeW kes DeeOeej Hej
efkeee ieee nw leLee yekeeee jeefMe SJeb Gme jeefMe efpemekes efueS Yegieleeve
efkeee ieee nw/efjJeme&ue efkeee ieee nw kes yeere kes Deblej kees ueeYe neefve
Keeles ceW oMee&ee ieee nw.
(Ie) leguevehe$e keer leejerKe kees yekeeee SJeb ês [f ib e kes efueS heeefjle efJeosMeer cege
mhee@ SJeb Jeeeoe mebeJf eoeDeeW kees eceMe: Hes[eF& eje DeefOemetef ele meceeefhle
mhee@ SJeb Jeeeoe ojeW hej leLee Debleefjce heefjhekeJelee Jeeueer mebeJf eoeDeeW kees
Fbjheesues[s ojeW hej hegvece&et uf ele efkeee ieee nw. heefjCeeceer Jeeeoe cetueebkeve
ueeYe DeLeJee neefve kees ueeYe SJeb neefve Keeles ceW Meeefceue efkeee ieee nw.
12.4 Demeceekeefuele HeefjeeueveeW kes mebyebOe ceW mebJeJenej
(ke) DeeefmleeeW SJeb oseleeDeeW (Deekeefmceke oseleeDeeW meefnle) kees Hes[eF& eje
Heleske efleceener kes Deble ceW metefele keer ieF& keueesefpebie mHee ojeW Hej
Heebleefjle efkeee ieee nw.
(Ke) leguevehe$e keer leejerKe kees yekeeee SJeb ês [f ib e kes efueS heeefjle efJeosMeer cege
mhee@ SJeb Jeeeoe meehes#e oseleeDeeW kees eceMe: Hes[eF& eje DeefOemetef ele
meceeefhle mhee@ SJeb JeeeoeojeW hej leLee Debleefjce heefjhekeJelee Jeeueer mebeJf eoeDeeW
kees Fbjheesues[s ojeW hej hegvece&et uf ele efkeee ieee nw.
(ie) Deeceoveer SJeb KeeeX kees Hes[eF& eje Heleske efleceener kes Deble ceW metefele
keer ieF& Deewmele efleceener ojeW Hej Heebleefjle efkeee ieee nw.
2012-13
12.
Impairment losses (if any) on Fixed Assets (including

revalued assets) are recognized in accordance with
the AS 28 (Impairment of Assets) issued by ICAI and
charged off to Profit and Loss Account.
FOREiGn CURREnCY TRAnSACTiOnS:
12.1 Accounting for transactions involving foreign exchange

is done in accordance with AS 11, (The Effects of
Changes in Foreign Exchange Rates), issued by ICAI.
12.2 As stipulated in AS-11, the foreign currency operations
of the Parent and its Subsidiaries are classified as a)
Integral Operations and b) Non Integral Operations. All
Overseas Branches, Offshore Banking Units, Overseas
Subsidiaries of Parent are treated as Non Integral
Operations; and Domestic Operations in Foreign
Exchange and Representative Offices are treated as
Integral Operations.
12.3 Translation in respect of Integral Operations:
a.
The transactions are initially recorded on weekly
average rate as advised by FEDAI.
b.
Foreign Currency Assets and Liabilities (including
contingent liabilities) are translated at the closing
spot rates notified by FEDAI at the end of each
quarter.
c.
The resulting exchange differences are recognized
as income or expenses and are accounted through
Profit and Loss Account. Any reversals / payment
of foreign currency assets & liabilities is done at
the weekly average closing rate of the preceding
week and the difference between the outstanding
figure and the amount for which reversal / payment
is made, is reflected in Profit and Loss Account.
d.
Foreign exchange spot and forward contracts
outstanding as at the balance sheet date and
held for trading, are revalued at the closing spot
and forward rates respectively notified by FEDAI
maturities. The resulting forward valuation profit or
loss included in the Profit and Loss Account.
12.4 Translation in respect of Non Integral Operations:
a.
Assets and Liabilities (including contingent
liabilities) are translated at the closing spot rates
notified by FEDAI at the end of each quarter.
b.
Foreign Exchange Spot and Forward contingent
liabilities outstanding as at the balance sheet date
are translated at the closing spot and forward rates
respectively notified by FEDAI and at interpolated
rates for contracts of interim maturities.
c.
Income and Expense are translated at quarterly
average rate notified by FEDAI
at the end of
each quarter.
253
2012-13
(Ie) HeefjCeeceer efJeefvecee DeblejeW keer ieCevee Gme DeJeefOe kes efueS Deee
DeLeJee Jee kes He ceW veneR keer ieF& nw leLee Fmes Meg efveJesMeeW kes
efvemleejCe nesves leke Deueie mes Ske Keeles efJeosMeer cege HeeblejCe
Heejef#ele efveefOe ceW jKee ieee nw.
12.5
Jeeeoe efJeefvecee kejej
uesKee ceeveke SSme 11 leLee Yeejleere efJeosMeer cege Jeeheejer mebIe
(Hes[eF&) kes efoMeeefveoxMeeW kes Devegmeej Jeeheej nsleg Oeeefjle yekeeee
efJeosMeer cege neefpej (mhee@) SJeb Jeeeoe mebefJeoeDeeW kees legueve he$e keer
efleefLe kees Hes[eF& eje DeefOemetefele yebo neefpej SJeb Jeeeoe yeepeej
mebefJeoeDeeW SJeb Devleefjce heefjhekeJelee mebefJeoeDeeW kees Fvjheesues ojeW
hej hegvecet&ueebefkele efkeee peelee nw. Fmekes HeuemJehe Jeeeoe cetueebkeve
ueeYe DeLeJee neefve kees ueeYe-neefve Keeles ceW Meeefceue efkeee peelee nw.
13. Deee Hej kej
d.
The resulting exchange differences are not

recognized as income or expense for the period
but accumulated in a separate account "Foreign
Currency Translation Reserve" till the disposal of
the net investment.
12.5 Forward Exchange Contracts
In accordance with the guidelines of FEDAI and the
provisions of AS 11, Foreign exchange spot and forward
contracts outstanding as at the balance sheet date and
held for trading, are revalued at the closing spot and
forward rates respectively notified by FEDAI and at
interpolated rates for contracts of interim maturities. The
resulting forward valuation profit or loss is included in
the Profit and Loss Account.
13
TAXES On inCOME:
FmeceW Yeejleere meveoer uesKeekeej mebmLee (DeeF&meerSDeeF&) kes uesKeebkeve ceeveob[

22 kes Devegmeej efveOee&efjle (mecye DeJeefOe kes efueS uesKee Deee leLee kejeesie
Deee kes yeere efYevvelee mes kejeW kes HeYeeJe kees oMee&les ngS) Deeekej kes efueS
HeeJeOeeve, DeemLeefiele kej DeLeJee esef[ Meeefceue nQ. DeemLeefiele kej kees,
Deeceoveer SJeb Kee& keer Gve ceoeW kes mebyebOe ceW pees efkemeer Ske mecee efyebog hej
efveOee&efjle nesleer nw Deewj pees Ske DeLeJee DeefOeke HejJeleea DeJeefOeeeW ceW HeleeJele&ve
eesie nQ, efJeJeskeHetCe& veerefle kes DeOeOeerve efnmeeye ceW efueee peelee nw. DeemLeefiele
kej DeeefmleeeW SJeb oseleeDeeW keer ieCevee DeefOeefveeefcele kej ojeW Hej, Gve Je<eeX
keer DeHesef#ele ojeW Hej keer peeleer nw efpeve Je<eeX ceW mecee DeblejeueeW kes efjJeme&
kejves keer mebYeeJevee nesleer nw. kej keer ojeW ceW HeefjJele&ve kes HeYeeJe kes keejCe
DeemLeefiele kej oseleeDeeW SJeb DeeefmleeeW hej ngS eYeeJe kees Gme DeJeefOe keer
Deee efJeJejCeer, efpemeceW Ssmes HeefjJele&ve kees DeefOeefveeefcele efkeee ieee nes, kes
DeeOeej hej efnmeeye ceW efueee peelee nw.
14. Heefle Mesej Depe&ve

yeQke eje DeHeves yesefmeke SJeb [eFuets[ Heefle F&efkeJeer Mesej Depe&ve kees
Yeejleere meveoer uesKeekeej mebmLeeve kes Fme mebyebOe ceW peejer uesKee ceeveke
20 (Heefle Mesej Depe&ve) kes Devegmeej efjHees& efkeee ieee nw. yesefmeke Heefle
Mesej Depe&ve keer ieCevee Meg Deee kees DeJeefOe kes efueS yekeeee Yeeefjle
Deewmele F&efkeJeer MesejeW keer mebKee mes efJeYeeefpele kej ueer ieF& nw. [eFuets[
Heefle Mesej Depe&ve keer ieCevee Meg Deee kees Gme DeJeefOe kes efueS yekeeee
Yeeefjle FefkeJeer MesejeW SJeb Fme DeJeefOe kes oewjeve [eeuets[ F&efkeJeer
MesejeW keer mebKee ceW ieCevee keer ieF& nw.
15. HeeJeOeeve, Deekeefmceke oseleeSb Je Deekeefmceke Deeefmleeeb

Yeejleere meveoer uesKeekeej mebmLeeve kes Fme mebyebOe ceW peejer uesKee ceeveke
29 (Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes efueS HeeJeOeeve)
kes Devegmeej yeQke eje Deekeefmceke oseleeDeeW SJeb Deekeefmceke DeeefmleeeW kes
efueS HeeJeOeeve efJeiele ceW ngF& efkemeer Ievee mes GlHevve ngS Jele&ceeve oeefelJe
kes efueS efkeee ieee nw. en mebYeJe nw efke Fme oeefelJe kes efvemleejCe
kes efueS DeeefLe&ke mebmeeOeveeW keer DeeJeMekelee nes Deewj leye Fme oeefelJe
nsleg jeefMe kee efJeMJemeveere cetueebkeve efkeee pee mekes.
peye leke DeeefLe&ke ueeYe kes mebmeeOeveeW kes DeeGHeuees keer mebYeeJevee Deele#e
ve nes leye leke Deekeeqmceke oseleeDeeW kee ekeerkejCe efkeee peelee nw.
Deekeefmceke DeeefmleeeW kees efJeeere efJeJejCe veneR ceevee ieee nw. keeeWefke
Fmekeer Deee, efpemekeer Jemetueer veneR nes mekeleer nw, kes efveOee&jCe kes
HeuemJehe nes mekelee nw.
254
14
15
This comprises of provision for Income tax and deferred

tax charge or credit (reflecting the tax effects of timing
differences between accounting income and taxable
income for the period) as determined in accordance with
AS 22 (Accounting for taxes on Income) issued by ICAI.
Deferred tax is recognised subject to consideration of
prudence in respect of items of income and expenses
those arise at one point of time and are capable of
reversal in one or more subsequent periods. Deferred
tax assets and liabilities are measured using enacted
tax rates expected to apply to taxable income in the
years in which the timing differences are expected to
be reversed. The effect on deferred tax assets and
liabilities of a change in tax rates is recognised in the
income statement in the period of enactment of the
change.
EARninGS PER ShARE:
The Parent reports basic and diluted earnings per
equity share in accordance with the AS 20 (Earnings
per Share) issued by the ICAI. Basic earning per equity
share has been computed by dividing net income by the
weighted average number of equity shares outstanding
for the period. Diluted earning per equity share has been
computed using the weighted average number of equity
shares and dilutive potential equity shares outstanding
during the period.
PROViSiOnS, COnTinGEnT LiABiLiTiES AnD
COnTinGEnT ASSETS:
As per the AS 29 (Provisions, Contingent Liabilities
and Contingent Assets) issued by ICAI, the Parent
recognizes 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 obligation and when a
reliable estimate of the amount of the obligation can be
made.
Contingent liability is disclosed unless the possibility of
an outflow of resources embodying economic benefit is
remote.
Contingent Assets are not recognized in the financial
statements since this may result in the recognition of
income that may never be realised.
2012-13
Devegmeteer - 19 : 31 ceee& 2013 kees meceehle efJeeere Je<e& keer mecesefkele efJeeere efJeJejefCeeeW hej vees
Schedule-19 - notes on the Consolidated Financial Statements for the year ended 31st March 2013
1.
mecesefkele efJeeere efJeJejCeer (meerSHeSme) ceW yeQke Dee@]he ye[ewoe (cetue mebmLee) leLee
efvecveefueefKele Deveg<ebefieeeW/meneesieer FkeeFeeW/mebege GeceeW kes HeefjCeece
Meeefceue nQ.
1.1 Deveg<ebefieeeb
1.1.1 osMeere Deveg<ebefieeeb
ke)
yeQefkebie
1) vewveerleeue yeQke efue.
Ke) iewj yeQefkebie
i) yee@ye kewefHeue ceekex efue.
ii) yee@ye kee[&me efue.
1.1.2 efJeosMeer Deveg<ebefieeeb
ke) yeQefkebie
i) yeQke Dee@He ye[ewoe (yeeslmeJeevee) efue.
ii) yeQke Dee@He ye[ewoe (kesvee) efue.
iii) yeQke Dee@He ye[ewoe (etieeb[e) efue.
iv) yeQke Dee@He ye[ewoe (iegeevee) DeeFSvemeer
v) yeQke Dee@He ye[ewoe (lebpeeefveee) efue.
vi) yeQke Dee@He ye[ewoe ef$eefveoeo SJeb
esyesiees efueefces[
vii) yeQke Dee@He ye[ewoe (Ieevee) efue.
viii) yeQke Dee@]he ye[ewoe (vetpeeruewv[) efue.
Ke) iewj yeQefkebie
i) yee@ye (et kes) efue.
osMe, peneb
efJeeceeve nw
mJeeefcelJe kee DevegHeele

31.03.13 31.03.12
1.
1.1
The Consolidated Financial Statements (CFS) of the

Group comprise the results of the Bank of Baroda
(Parent) and the following Subsidiaries/Associates/Joint
Ventures:
Subsidiaries
Country of
Percentage of
Incorporation Ownership as on
31.03.13 31.03.12
1.1.1 Domestic Subsidiaries

a)
Yeejle
98.57%
98.57%
Yeejle
Yeejle
100.00%
100.00%
100.00%
100.00%
Banking:
i) The Nainital Bank Ltd.
b)
India
98.57
98.57
i) BOB Capital Markets Ltd.
India
100.00
100.00
ii) BOB Cards Ltd.
India
100.00
100.00
Non Banking:
1.1.2 Overseas Subsidiaries:

a)
Banking:
yeeslmeJeevee
kesvee
etieeb[e
iegeevee
lebpeeefveee
ef$eefveoeo
SJeb esyesiees
Ieevee
vetpeeruewv[
100.00%
100.00%
100.00
100.00
86.70%
86.70%
ii) Bank of Baroda (Kenya) Ltd.
Kenya
86.70
86.70
etveeFs[
eEkeie[ce
i) Bank of Baroda (Botswana) Ltd. Botswana
80.00%
80.00%
iii) Bank of Baroda (Uganda) Ltd.
Uganda
80.00
80.00
100.00%
100.00%
iv) Bank of Baroda (Guyana) Inc.
Guyana
100.00
100.00
100.00%
100.00%
v) Bank of Baroda (Tanzania) Ltd.
Tanzania
100.00
100.00
100.00%
100.00%
vi) Bank of Baroda Trinidad &Tobago Trinidad &

Ltd.
Tobago
100.00
100.00
100.00%
100.00%
vii) Bank of Baroda (Ghana) Ltd.
Ghana
100.00
100.00
100.00%
100.00%
viii)Bank of Baroda (New Zealand)

Ltd.
New
Zealand
100.00
100.00
100.00%
100.00%
United
Kingdom
100.00
100.00
b)
Non Banking:
i) BOB (UK) Ltd.
1.2 meneesieer FkeeFeeb

1.2 Associates
mecesefkele efJeeere efJeJejCeer (meerSHeSme) ceW meceeefnle meneesieer FkeeFeeW kes
The particulars of Associates considered in the CFS are
as under:
efJeJejCe efvecveefueefKele nQ :
Name
veece
osMe, peneb
cetue mebmLee kee efnmmee (%)
Parents ownership
efJeeceeve nw
Country of
Incorporation
(a) Indo Zambia Bank Limited

(ke) Fv[es peeefcyeee yeQke efueefces[
peeefcyeee /Zambia
(b)
Baroda
Pioneer
Asset
Management
Co.
Ltd.
(Ke) ye[ewoe Heeeesevf eej Demes cesvespecesv kebHeveer efue.
Yeejle/ India
Baroda Pioneer Trustee Company Private

(ie) ye[ewoe Heeeesevf eej ^mer kebHeveer eeF&Jes efue. (c) Limited
(d) Regional Rural Banks
(Ie) #es$eere ieeceerCe yeQke:i) Baroda Uttar Pradesh Gramin Bank
i) ye[ewoe Gej eosMe ieeceerCe yeQke
ii) ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke
ii) Baroda Rajasthan Kshetriya Gramin Bank
(Henues kee ye[ewoe jepemLeeve ieeceerCe
(Erstwhile Baroda Rajasthan Gramin Bank)
yeQke)
iii) Baroda Gujarat Gramin Bank
iii) ye[ewoe iegpejele ieeceerCe yeQke
iv) Nainital-Almora Kshetriya Gramin Bank
iv) vewveerleeue-Deucees[e #es$eere ieeceerCe yeQke
v) Jhabua-Dhar Kshetriya Gramin Bank
v) PeeyegDee-Oeej #es$eere ieeceerCe yeQke
Interest (%) as on
31.03.13
31.03.12
20
20
49
49
Yeejle/ India
49
Yeejle/ India
35
35
Yeejle/ India
35
35
Yeejle/ India
Yeejle/ India
Yeejle/ India
35
35
35
35
255
2012-13
1.3
1.3 mebege Gece

veece / Name
ke)
FefC[eeHem& ueeFHe FbMeesjWme kecheveer efue.
Ke)
FefC[ee FbjvesMeveue yeQke (ceuesefMeee) yeerSe[er.
ie)
FefC[ee Fvee[s efue.
a)
b)
c)
2.
Joint Ventures
osMe peneb efJeeceeve nw
Country of Incorporation
31.03.2013
31.03.2012
Yeejle
44
44
ceuesefMeee
40
40
Yeejle
30
IndiaFirst Life Insurance Company Ltd.
India
Malaysia
India Infradebt Ltd.
India
2.
meneesieer FkeeFeeW ceW efveJesMe kee efJeJejCe
cetue mebmLee kee efnmmee
Percentage of Ownership (%) as on
Particulars of the Investment in Associates

e.
meb
efJeJejCe
Sr.
No.
Particulars
31.03.2013 kees 31.03.2012 kees

As at
31.03.2013
As at
31.03.2012
194.31
152.94
25.27
25.27
(ke) meneesieer FkeeFeeW ceW efveJesMe keer ueeiele
a.
Cost of Investment in Associates
(Ke) GHejeskele (ke) ceW Meeefceue DeefOeienCe Hej meeKe
b.
Goodwill on acquisition included in (a)

above
(ie)
GHejeskele (ke) ceW DeefOeienCe Hej eejef#ele hetbpeer
c.
Capital reserve on acquisition included in

(a) above
(Ie)
Hegvecet&ueebefkele eejef#ele efveefOe Deewj SHemeer

mebJeJenej eejef#ele efveefOe kes Keeles ceW HeefjJeOe&ve
d.
Additions on account of Revaluation

reserve & Foreign Currency Translation
reserve
2.31
3.54
(*)
DeefOeienCe GHejevle ieg[ efJeue/Deejef#ele hetbpeer kes

ueeYe (Meg) kee DebMe
e.
Share of post acquisition profits (Net) of

Goodwill/ Capital Reserve
323.42
239.11
(e)
31 ceee& kees efveJesMe (ke-Ke-ie + Ie + *)
f.
Investment as at 31st March (a

-b-c+d+e)
494.77
370.32
g.
Investment in India
442.63
324.61
h.
Investment outside India
52.14
45.71
i.
Total (g + h)
494.77
370.32
() Yeejle ceW efveJesMe

(pe) Yeejle kes yeenj efveJesMe
(Pe) kegue ( + pe)
3.
Deveg<ebefieeeW /meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeb
3.1. Deveg<ebeif eeeW leLee meneesieer FkeeFeeW keer efJeeere efJeJejefCeeeb, yeQke Dee@H] e ye[ewoe
(etieeb[e) efue.(Fmekeer mebhetCe& mJeeefcelJe Jeeueer Deveg<ebieer yeQke Dee@h] e ye[ewoe kewefHeue
ceekex etieeb[e efue. kees Meeefceue kejles ngS), yeQke Dee]H@ e ye[ewoe (kesvee) efue., yeQke
Dee]H@ e ye[ewoe (lebpeeefveee) efue. kees e[s kej, efpevekeer 31 ceee&, 2013 leke leweej
keer ieF& nw Gmeer efjHeesef i e leejerKe kes Devegmeej leweej keer ieF& nQ efpeme leejerKe kees
cetue mebmLee keer efJeJejCeer leweej keer ieF& nw. Gkele Deveg<ebeif eeeW keer efJeJejefCeeeb 31
efomebyej, 2012 keer efmLeefle kes DevegHe leweej keer ieF& nQ. HeyebOeve eje eLee
HeceeefCele 1 peveJejer, 2013 mes 31 ceee&, 2013 kes yeere DeHese#f ele meceeeespeveeW
nsleg keesF& GuuesKeveere mebJeJenej veneR ngDee nw.
3.2 yeQke efJelleere Je<e& 2012-2013 keer mecesefkele efJelleere efJeJejCeer cesb mebegdkele
GHeeceeW DeLee&le FefC[ee FbjvesMeveue yeQke (ceuesefMeee) yesjne[ (DeeF&.DeeF&.
yeer.Sce. yeer.) kes DeuesKee Hejeref#ele efJelleere efJeJejefCeeeW kee Yeer meceeJesMe nw
pees efke 31 efomecyej 2012 keer efmLeefle kes Devegmeej leweej keer ieF& nw eyebOeve
eje eLee eceeefCele 1 peveJejer 2013 mes 31 ceee& 2013 kes yeere DeHesef#ele
meceeeespeveeW nsleg keesF& GuuesKeveere mebJeJenej DeLeJee Deve Je=lleeble vener ngDee.
256
3.
Financial Statements of Subsidiaries / Associates
3.1
The audited financial statements of the Subsidiaries and

Associates have been drawn up to the same reporting
date as that of the Parent i.e. 31st March, 2013 except for
Bank of Baroda (Uganda) Ltd, (including its wholly-owned
subsidiary Baroda Capital Markets (Uganda) Ltd.), Bank
of Baroda (Kenya) Ltd., Bank of Baroda (Ghana) Ltd. and
Bank of Baroda (Tanzania) Ltd., which have been drawn up
to 31st December, 2012. As certified by the Management,
there are no significant transactions or other events during
1st January, 2013 to 31st March, 2013 requiring adjustment
therein.(3.1.2 CFS for the year 2011-12 of the group includes
unaudited financial statements of subsidiaries viz., Bank of
Baroda (Botswana) Ltd. and Bank of Baroda (Trinidad and
Tobago) Ltd.
CFS for the financial year 2012-13 of the Group also includes
unaudited financial statements of Joint Venture viz. India
International Bank (Malaysia) Bhd. (IIBMB), the accounts
of which has been drawn upto 31st December 2012. As
certified by the Management, there are no significant
transactions or other events during 01st January 2013 to
31st March 2013, requiring adjustment therein.
3.2

4.
5.
31.03.2013 kees meceehle Je<e& nsleg efvecveefueefKele osMeere Deveg<ebefieeeW kes Keeles
kebHeveer DeefOeefveece, 1956 keer Oeeje 619 (4) kes Debleie&le Yeejle kes efveeb$eke
SJeb ceneuesKee Hejer#eke keer efHHeefCeeeW kes DeOeOeerve nQ :
4.
The accounts of the following domestic subsidiaries for

the year ended 31st March, 2013 are subject to the
comments of Comptroller & Auditor General of India
under Section 619(4) of the Companies Act, 1956:
1) BOB Capital Markets Ltd.
2) BOB Cards Ltd.
1) yee@ye kewefHeue ceekexmed efue.

2) yee@ye kee[&med efue.
Hetbpeeriele Heejef#ele efveefOe
5.
kejeW kes efueS eeJeOeeve
6.1 Deeekej kee HeeJeOeeve, DeHeerueere HeeefOekeeefjeeW kes efveCe&eeW kees Oeeve ceW jKeles
ngS leLee HejeceMe&oelee kes HejeceMe& mes efkeee ieee nw.
6.2 Deefece he mes Yegieleeve efkeee ieee kej/eesle hej keee ieee kej, eeJeOeeve
kes Ghejeble nw SJeb en `Deve DeeefmleeeW' kes lenle `3401.38 kejes[ (efHeues
Je<e& ` 2017.81 kejes[ ) jKee ieee nw. FmeceW cetue kee `3374.52 kejes[
(efHeues Je<e& ` 1993.11 kejes[) Meeefceue nw pees efJeefYeVe Je<eeX kes oewjeve yeQke
eje Yegieleeve efkeS ieS efJeJeeefole kej ceebieeW kes Yegieleeve mes mebyebefOele meceeeesefpele
jeefMe nw. Ge ceebieeW kes mebyebOe ceW yeQke eje efkemeer ekeej kee eeJeOeeve DeeJeMeke
veneR mecePee ieee nw keeeWefke yeQke keer jee leLee Gmekes keeGbefmeuees keer jee
Deewj/DeLeJee veeefeke Iees<eCeeDeeW kes Devegmeej efveOee&jCe kelee& DeefOekeejer eje
heefjJeOe&ve/DemJeerke=efle Deefveele nw.
7.
yeQke keer keg mebheefeeeb hegvecet&efuele jeefMe kes DeeOeej hej oMee&eer ieeer nw.
heefjmej keer ueeiele meefnle Je<e& kes Deble leke kegue hegvece&tueve jeefMe `1778.33
kejes[ (efHeues Je<e& ` 1777.43 kejes[) efpemecesb efJeosMeer keeee&ueeeW kes `31.45
kejes[ (efHeues Je<e& ` 30.55 kejes[) Meeefceue nw cetueeme kes Ghejeble hegvece&tueve
jeefMe `1104.26 kejes[ (efheues Je<e& `1173.68 kejes[) nw.
8.
eeJeOeeveeW SJeb DeekeefmcekeleeDeeW kee Deueie Deueie efJeJejCe

ueeYe neefve Keeles ceW oMee&S ieS eeJeOeeveeW SJeb DeekeefmcekeleeDeeW kee Deueie
Deueie efJeJejCe efvecveevegmeej nw :
Capital Reserves
Capital Reserve includes appreciation arising on
revaluation of immovable properties, profit on sale of HTM
securities (net of tax and transfer to Statutory Reserve)
and amount subscribed by Government of India under the
World Banks Scheme for Export Development Projects
/ Industrial Export Projects for small / medium scale
industries.
Hetbpeeriele Heejef#ele efveefOe ceW Deeue mebHeefeeeW kes Hegvecet&ueebkeve kes HeuemJeHe
nesves Jeeueer cetueJe=ef SeerSce eefleYetefle efyeeer hej ueeYe (kej SJeb eejef#ele
efveefOe ceW DeblejCe kes heeeled) leLee ueIeg / ceOece GeesieeW kes efueS efveee&le
efJekeeme HeefjeespeveeDeeW /Deeweesefieke efveee&leeW HeefjeespeveeDeeW nsleg efJeMJe yeQke keer
eespeveeDeeW kes Debleie&le Yeejle mejkeej keer DebMeoeve jeefMe Meeefceue nQ.
6.
2012-13
6.
Provision for Taxes
6.1
Provision for taxes are arrived at after due consideration

of decisions of appellate authorities and advice of
Consultant.
Tax paid in advance / tax deducted at source is net
of provisions and is appearing under Other Assets
amounting to ` 3401.38 crores (previous year ` 2017.81
crores), includes ` 3374.52 crores of the parent (previous
year ` 1993.11 crores), represent amount adjusted by the
department / paid by the Parent in respect of disputed
tax demands for various assessment years. No provision
is considered necessary in respect of the said demands
as in the parents view, duly supported by counsels
opinion and / or judicial pronouncements, additions /
disallowances made by the Assessing Officer are not
sustainable.
Certain properties of the Bank are stated at revalued
amounts. The gross amount of revaluation included in
cost of premises as at end of the year is ` 1778.33 Crores
(previous year ` 1777.43 crores) including ` 31.45 Crores
at overseas offices (previous year ` 30.55 crores). The
revaluated amount net of depreciation is ` 1104.26 Crores
(Previous Year ` 1173.68 Crores).
6.2
Break up of Provisions and Contingencies

The break-up of provisions and contingencies appearing
in Profit & Loss Account is as under:
efJeJejCe
Particulars
yesKeeles [eues ieS $e+CeeW/SveheerS kes efueS eeJeOeeve

hegveie&ef"le ceeveke Je DeJeceeveke KeeleeW ceW yeepe
kes meseerHeeFpe nsleg eeJeOeeve
osMeiele peesefKece eyebOeve nsleg eeJeOeeve
kejeW kes efueS eeJeOeeve (DeemLeefiele kej meefnle)
efveJesMe hej cetueeme nsleg eeJeOeeve
ceeveke DeeefmleeeW nsleg eeJeOeeve
kece&eejer keueeCe Jee nsleg eeJeOeeve
Deve
pees[
Bad debts written off / Provision made towards NPA
eeuet Je<e&
efJeiele Je<e&
382.42
296.32
13.03
5.22
Provision for taxes (including deferred Taxes)
444.14
1087.98
Provision for Depreciation on investment
220.56
238.81
Provision for standard assets
395.22
449.66
25.00
25.00
810.47
493.76
5409.43
4192.73
Provision towards sacrifice of interest in Restructured

standard and sub-standard accounts
Provision for Country Risk Management
Provision for staff welfare expenses

Others
Total
Current Year Previous Year

3118.59
1595.98
257
2012-13
9.
9. S Sme-15 - kece&eejer ueeYe (yeQke)
AS-15 Employee Benefits [Parent]

Disclosures
uesKee ceeveke ekeerkejCe -
Principal Actuarial Assumptions [Expressed as Weighted

Averages]
cetue yeerceebefkeke OeejCee (Yeeefjle Deewmele kes He ceW Jekele)
(` kejes[ ceW) / (` in crores)
eespevee kee mJehe / TYPE OF PLAN

HeWMeve
GHeoeve
DeJekeeMe
Deefle.
Pension
Gratuity
vekeoerkejCe
mesJee
Leave
ueeYe
encashment
ef[mkeeGb oj
Jesleve Je=ef oj
eme oj
eespeveeiele DeeefmleeeW Hej mebYeeefJele efjve& js
ceesef&efueer js : SueDeeF&meerDeeF& 1994-96
Discount rate
8.25%
8.25%
8.25%
ARB
8.25%
Salary Escalation Rate
6.00%
6.00%
6.00%
6.00%
Attrition Rate
2.00%
2.00%
2.00%
2.00%
Expected Rate of Return on plan Assets
8.00%
8.00%
Mortality Rate : LICI 1994-96

Reconciliation of opening and closing balance of liability
oseleeDeeW kes DeejbefYeke Deewj Debeflece Mes<e kee meceeOeeve
(` kejes[ ceW) / (` in crores)
eespevee kee mJehe / TYPE OF PLAN

HeWMeve
GHeoeve
DeJekeeMe
Deefle.
Pension
vekeoerkejCe Gratuity
mesJee
Leave
ueeYe
encashment
1/4/2012 kees HeerJeerDees
PVO as at 01.04.2012
7033.55
pees[s-b yeepe keer ueeiele
Add- Interest Cost
pees[s-b eeuet mesJee ueeiele
Add- Current Service Cost
Ieeesb-Heoe ueeYe
Less- Benefits Paid
pees[s-b oeefelJe Hej yeerceebekf eke neefve/ueeYe(-)

31.03.2013 kees HeerJeerDees
ARB
566.01 1416.85 446.62
563.49
44.19
110.63
35.26
1064.59
124.64
103.90
4.72
406.69
60.66
151.78
38.46
Add- Actuarial loss/gain(-) on obligation
-752.90
35.55
PVO as at 31.03.2013
7502.04
eespevee DeeefmleeeW kes Gefele cetue kes DeejbefYeke Mes<e SJeb Debeflece Mes<e kee
meceeOeeve
26.53 144.31
709.73 1506.13 592.45
Reconciliation of opening & closing balance of fair value of plan assets

(` kejes[ ceW / ìn Crores)
eespevee kee mJehe /

TYPE OF PLAN
HeWMeve
GHeoeve
Pension
Gratuity
5740.29
1308.84
1/4/2012 kees eespeveeiele DeeefmleeeW kee Gefele cetue
Fair Value of plan assets as on 01-04-2012
pees[-W eespeveeiele DeeefmleeeW hej mebYeeefJele efjve&
Add- Expected Return on Plan Assets
459.22
104.71
pees[-W DebMeoeve
Add- Contributions
767.51
108.01
IeeeW-Heoe ueeYe
Less- Benefits Paid
406.69
151.78
pees[-W yeerceebefkeke ueeYe / (-) neefve

31.03.2013 kees eespeveeiele DeeefmleeeW kee Gefele cetue
Add- Actuarial gain/(-)loss
97.99
3.35
6658.32
1373.13
258
Fair Value of Plan Assets as on 31.03.2013
2012-13
Amount recognized in the Balance Sheet
legueve-He$e ceW ceeve jeefMe

HeWMeve
GHeoeve
DeJekeeMe
Deefle.
Pension
Gratuity mesJee ueeYe
vekeoerkejCe
Leave
encashment
ARB
ke) oeefelJe kee HeerJeer
a) PV of obligation
7502.04
709.73
1506.13
592.45
Ke) eespeveeiele DeeefmleeeW kee Gefele cetue
b) Fair value of plan assets
6658.32
1373.13
ie) Devlej
c) Difference
843.72
709.73
133.00
592.45
Ie) DeefveOee&efjle mebeceCeMeerue oselee
d) Unrecognised transitional liability
731.96
*) leguevehe$e ceW ceeve oselee
e) Liability Recognised in the BS
111.76
709.73
133.00
592.45
Amount recognized in the P & L Account
ueeYe-neefve Keeles ceW efveOee&efjle jeefMe

HeWMeve
Pension
DeJekeeMe
vekeoerkejCe
Deefle.
mesJee
ueeYe
GHeoeve
Gratuity
Leave
encashment
ke)
eeuet mesJee ueeiele
a)
Current Service Cost
Ke)
yeepe ueeiele
b)
Interest Cost
ie)
eespeveeiele Deeefmle Hej mebYeeefJele

efjve&
c)
Ie)
eqveOee&efjle efheueer mesJee ueeiele (-)
*)
e)
ARB
1064.59
124.64
103.90
4.72
563.49
44.19
110.63
35.26
Expected Return on Plan

Assets
-459.22
-104.71
d)
Net Actuarial Loss/gain(-)
-850.88
35.55
23.18
144.31
Je<e& kes oewjeve mebeceCeere oselee
e)
Transitional liability
recognized in the year
365.98
ueeYe neefve Keeles ceW efveOee&efjle Kee&
Expenses Recognised in P&L
683.96
204.38
133.00
184.29
Expected contribution for next period (2013-14)
Deieueer DeJeefOe (2013-14) kes efueS mebYeeefJele DebMeoeve
efJeJejCe
mebYeeefJele DebMeoeve
Particulars
HeWMeve / Pension
iesegerr / Gratuity
Expected contribution
500.00
80.00
investment Pattern
efveJesMe Hewve&
efJeJejCe
kesvere mejkeej eefleYetefleeeb
jepe mejkeej eefleYetefleeeb
keeheexjs (heerSmeet)
keeheexjs (heeFJes)
Deve
kegue
Particulars
HeWMeve / Pension
iesegerr / Gratuity
Central Government Securities
23.47 %
21.03 %
State Government Securities
20.01 %
25.64 %
Corporate (PSU)
29.80 %
29.50 %
2.82 %
1.53 %
Corporate (Private)
Others
Total
23.90 %
22.30 %
100.00 %
100.00 %
259
2012-13
10.
10. mesieceW efjHeesefie (SSme 17)

uesKee ceeveke 17 - mesieceW efjHeesefie kes lenle ekeerkejCe Yeeie ke efyepevesme mesieceW
efyepevesme
mesieceW
Business
Segments
jepemJe
heefjCeece
Deveeyebefle Kee&
Revenue
Result
Unallocated
Expense
Operating
Profit
Heefjeeueveiele ueeYe
keeHeexjs/nesuemesue yeQefkebie
^spejer
Corporate / Wholesale
Treasury
Banking
2012-13
2011-12
2012-13
2011-12
9352.38
7453.90 15095.11 13185.19
1119.50
925.50
-92.52
980.42
Deeekej
Income taxes
efJeefMe< ueeYe /
neefve
Meg ueeYe
Deve metevee
Extra-ordinary
Profit/loss
Net Profit
Other
Information
Segment
Assets
147809.92 105423.13 153499.37 140909.25
Unallocated
Assets
Total Assets
Segment
Liabilities
139015.71 98850.77 144366.66 132124.59
Unallocated
Liabilities
Total Liabilities
Capital
Employed
8794.21
6572.36
9132.71
8784.66
Unallocated
mesieceW Deeefmleeeb
Deveeyebefle
Deeefmleeeb
kegue Deeefmleeeb
mesieceW oseleeSb
Deveeyebefle oseleeSb
kegue oseleeSb
efveeesefpele Hetbpeer
Deveeyebefle
kegue efveeesefpele
Hetbpeer
Segment Reporting (AS 17)

Accounting Standard 17 - Disclosure under Segment
Reporting
Part A: Primary Segments
Deve yeQefkebie Heefjeeueve
efjsue yeQefkebie
Banking & Other

Operations
2012-13
2011-12
6617.22
5218.99
2545.30
3173.47
Retail Banking
2012-13
9887.97
3144.72
75107.47
2011-12
8730.83
2849.50
2012-13
40952.68
6717.01
2011-12
34588.91
7928.90
1468.64
1592.86
5248.37
6336.04
444.14
1087.47
4804.23
--5248.57
64819.14 177606.33 141608.18 554023.08 452759.70

5365.25
4652.31
559388.33 457412.01
70638.82
60778.14 167039.33 132779.94 521060.52 424533.44

5046.04
4362.27
526106.56 428895.71
4468.65
4041.00
10566.99
Total Capital
Employed
Yeeie-Ke - Yeewieesefueke mesieceW / Part B : Geographical Segments

osMeere heefjeeueve
kegue
Total
8828.24
32962.56
28226.26
319.21
290.04
33281.77
28516.30
Devleje&êre heefjeeueve
Particulars
Domestic Operations
2012-13
2011-12
2012-13
2011-12
2012-13
2011-12
jepemJe
Deeefmleeeb
Revenue
35196.20
30048.39
5756.48
4540.52
40952.68
34588.91
386487.80
323453.13
172900.53
133958.87
559388.33
457412.00
Assets
efhheCeer :
1. Yeejleere efjpeJe& yeQke kes eqoMee efveoxMeevegmeej uesKeebkeve ceevekeeW kes Devegheeueve
ceW yeQke ves ^spejer Dee@hejsMeve, nesuemesue, efjsue Deewj Deve yeQefkebie heefjeeueveeW
kees eeLeefceke keejesyeej mesieceW Deewj osMeere Deewj Devleje&êre kees ieewCe /
Yeewieesefueke mesieceW kes he ceW Deheveeee nw.
2. yeQefkebie SJeb Deve heefjeeueveeW ceW Deve yeQefkebie leLee iewj yeQefkebie heefjeeueve
Meeefceue nQ.
3. mesieceW jepemJe yeee eenkeeW mes eehle jepemJe kees oMee&lee nw.
4. mesieceW heefjCeece lee kejles mecee, yeQke eje DeheveeF& ieF& DeblejCe cetue
efveOee&jCe eCeeueer kees eeesie ceW ueeee ieee nw.
5. eleske mesieceW kes efueS efveeesefpele hetbpeer kees mesieceW keer DeeefmleeeW kes efueS
Deevegheeefleke leewj Deeyebefle efkeee ieee nw.
260
International Operations
kegue / Total
efJeJejCe
Notes:
1. As per guidelines of RBI on compliance with Accounting Standards,
parent has adopted Treasury Operations, Wholesale, Retail and other
Banking Operations as Primary business segments and Domestic and
International as Secondary / Geographic segments.
2. Banking & Other operations includes other banking operations and nonbanking operations
3. Segment revenue represents revenue from external customers.
4. In determining the segment results, the funds transfer price mechanism
followed by the Parent has been used.
5. Capital Employed for each Segment has been allocated proportionate to
the assets of the Segment.

11.
11. mebyebefOele heeea ekeerkejCe (SSme-18)

S.No
veece
Related Party Disclosures (AS-18)
heeefjeefceke Remuneration
eeuet Je<e&
efheuee Je<e&
heoveece
Name
Designation
eer. megYee<e efMeJejleve cetbo[e
2012-13
Current Year
Previous Year
3,49,654
32,45,265
25,37,459
Shri Subhash Sheoratan Mundra Chairman & Managing Director

(w.e.f. 21st Jan 2013)
eer. Sce. [er ceuee
Shri M. D. Mallya
3

(upto 30th November 2012)
24,02,674
21,97,317
13,26,419
21,22,495
12,22,208
eer eerefveJeeme efHe.
12,00,790
eer jbpeve OeJeve
6,65,588

4
Executive Director (upto 31st October 2012)
Shri N.S.Srinath
5
Executive Director (upto 31st May 2012)

6
Shri Srinivas P
6
Shri Ranjan Dhawan
Executive Director (w.e.f. 01st November 2012)
12.
12. eefle Mesej Depe&ve (SSme-20)
Earnings per Share (AS-20)
eeuet Je<e&
i.
FefkeJeer Mesej OeejkeeW nsleg kej kes yeeo

GheueyOe Meg ueeYe (` kejes[es ceW)
FefkeJeer MesejeW keer mebKee (Yeeefjle)
eefle Mesej cetue Je [eeuets[ Depe&ve
`10 eleske kes
eefle FefkeJeer Debefkele Mesej cetue
ii.
iii.
iv.
Net Profit after tax available for Equity

shareholders (` in crores)
Number of Equity Shares (Weighted)
13.
13. Deee hej kej ieCevee (SSme-22)

ke. DeemLeefiele kej oselee (efveJeue)
efJeJejCe
Previous Year
5248.57
41,16,78,611
391653059
116.70
134.01
` 10.00
` 10.00
Basic and diluted earnings per share of

`10/- each (`)
Nominal Value per Equity Share
efJeiele Je<e&
Current Year
4804.23
Accounting for Taxes on Income (AS-22)

a.
Deferred Tax Assets (Net)
Particulars
31.03.2013
Deeefmleeeb
31.03.2012
Asset
Liability
oselee
Deeefmleeeb
Asset
Liability
oselee
Deeekej DeefOeefveece kes lenle yener

cetueeme leLee cetueeme kes yeere Deblej
Difference between book depreciation

and Depreciation under Income Tax Act
41.12
8.94
Deeekej DeefOeefveece 1961 keer Oeeje

36(1) (viii) kes lenle keeQefleeeb
Deduction under section 36(1)(viii) of the

Income-tax Act, 1961
Deve
mebefoiOe $e+Ce SJeb Deefieceebs kes efueS HeeJeOeeve
SeerSce eefleYetefleees Hej cetueeme
Deeekej DeefOeefveece keer Oeeje 40(S)
(DeeF& S) kes lenle Deceeve jeefMe
ger vekeoerkejCe SbJe Jesleve mebMeesOeve nsleg
eeJeOeeve
mebefoiOe $e+CeeW leLee DeeqeceeW nsleg eeJeOeeve
(efJeosMeer)
pees[
Meg DeemLeefiele kej oselee / Deeefmleeeb
Others
0.16
Provision for doubtful debts and advances
0.03
Depreciation on HTM Securities

Amount Disallowable U/S 40(a)(ia) of the
IT Act
Provision for leave encashment & Wage
Revision
Provision for doubtful debts and advances
(foreign)
Total:
Net Deferred tax Liability /Asset
92.73
1.84
226.89
2.77
3.08
231.81
133.86
11.90
97.96
11.90
261
2012-13
b. Deferred Tax Liabilities (Net)
Ke. DeemLeefiele kej oselee (efveJeue)
Deeekej DeefOeefveece kes lenle yener cetueeme

leLee cetueeme kes yeere Deblej
Deeekej DeefOeefveece 1961 keer Oeeje
36(1) (viii) kes lenle keeQefleeeb
SeerSce eefleYetefleees Hej cetueeme
Deve
mebefoiOe $e+Ce SJeb Deefieceebs kes efueS HeeJeOeeve
Deeekej DeefOeefveece keer Oeeje 40(S)
(DeeF& S) kes lenle Deceeve jeefMe
ger vekeoerkejCe nsleg eeJeOeeve
mebefoiOe $e+CeeW leLee DeeqeceeW nsleg eeJeOeeve
(efJeosMeer)
pees[
Meg DeemLeefiele kej oselee / Deeefmleeeb
14.
15.
16.
Particulars
Deeefmleeeb
Asset
-
Liability
0.26
oselee
Deeefmleeeb
Asset
-
Liability
90.16
Depreciation on HTM Securities
426.45
Others
0.86
0.51

advances
Amount Disallowable U/S 40(a)
(ia) of the IT Act
9.84
Provision for leave encashment
174.43

advances (foreign)
76.14
Total:
1.12
260.41
517.12
Net Deferred tax Liability /Asset
1.12
256.71
Difference between book

depreciation and Depreciation
under Income Tax Act
Deduction under section 36(1)
(viii) of the Income-tax Act, 1961
Heefjeeueve yebo kejvee (SSme 24)

efJeeere Je<e& 2012-13 kes oewjeve yeQke ves DeHeveer efkemeer Yeer MeeKee kees yebo
kejves mebyebOeer keee&Jeener veneR keer nw, HeuemJeHe oseleeDeeW kees kece kejkes
DeeefmleeeW keer Jemetueer keer pee mekeer nw Deewj mebHetCe& yeQke mlej Hej DeHeves
Heefjeeueve ceW efkemeer keee&Jeener keer meceeefHle, efpememes GHejeskele HeYeeJe He[s,
mebyebOeer efveCe&e veneR efueee ieee nw.
DeeefmleeeW kee Devepe&ke yevevee (SSme-28)
uesKee ceeveke-28 DeeefmleeeW kee FbhesejceW kes Keb[ 5 mes Keb[ 13 kes
Debleie&le keesF& cenlJehetCe& GuuesKe ve nesves kes heuemJehe eeuet efJeeere Je<e& ceW
Deeue mebheefe kee keesF& Yeer FbhesejceW pejer veneR nw.
eeJeOeeve, Deekeefmceke oseleeSb leLee Deekeefmceke Deeefmleeeb (SSme-29)
oseleeDeeW kes efueS eeJeOeeveeW kee mebeueve (Deve kes efueS eeJeOeeveeW kees
es[kej)
14.
15.
16.
efJeJejCe
Particulars
1 Deewue 2012 kees Mes<e

Je<e& kes oewjeve eoe
Je<e& kes oewjeve Heegkele
31 ceee& 2013 kees Mes<e
DeeGHeuees/DeefveefMeleleeDeeW kee mecee
Balance as on 1st April 2012

Provided during the year
Amount used during the year
Balance as at 31st March 2013
Timing of Outflow / uncertainties
legueveHe$e kes Mes[detue 12 kes e meb. (I) mes (VI) ceW G=le Ssmeer oseleeSb Deoeuele kes efveCe&e/
Hebe Hewmeues/ Deoeuele kes yeee efvemleejCe/ DeHeerue kee efveHeeje Hej efveYe&j kejleer nQ. Ssmes
ceeceueeW ceW keesF& HeefleHetefle& DeHesef#ele veneR nw.
17. Deefleefje ekeerkejCe
cetue yeQke SJeb Deveg<ebefieeeW keer Deueie-Deueie efJeeere efJeJejefCeeeW ceW eke keer ieF&
Deefleefje metevee kee meerSHeSme kes mener SJeb mhe efkeesCe mes mebyebOe veneR nw
Deewj meeLe ner Ssmeer ceoeW mes mebyebefOele metevee kees, pees cenlJehetCe& veneR nw, meerSHeSme
ceW eke veneR efkeee ieee nw.
262

31.03.2012
31.03.2013
efJeJejCe
oselee
AS-24 Discontinuing operations

During the financial year 2012-13 the Group has not
discontinued the operations of any of its branches, which
resulted in shedding of liability and realization of the assets
and no decision has been finalized to discontinue an
operation in its entirety, which will have the above effect.
AS-28 impairment of Assets
In view of the absence of indication of material impairment
within the meaning of clause 5 to clause 13 of AS 28
Impairment of Assets, no impairment of fixed assets is
required in respect of current financial year.
AS-29 Provisions, Contingent Liabilities and
Contingent Assets:
Movement of provisions (excluding provisions for others)
(` in crores)
cegkeoceW Legal Cases
/ DeekeefmcekeleeSb Contingencies
Current Year Previous
Year
10.30
8.91
34.64
1.39
44.94
10.30
Outflow on settlement /
crystallization
Such liabilities as mentioned at Serial No (I) to (VI) of Schedule 12 of
Balance Sheet are dependent upon the outcome of court judgement
/ arbitration awards / out of court settlement / disposal of appeals. No
reimbursement is expected in such cases.
17. Additional Disclosures:
Additional information disclosed in the separate financial
statements of the Parent and the Subsidiaries having no bearing
on the true and fair view of the CFS and also the information
pertaining to the items which are not material, have not been
disclosed in the CFS.

18. efJelleere Je<e& 2010-11 kes oewjeve, cetue yeQke Deewj Gmekes Deveg<ebieer vewveerleeue yeQke
efueefces[ ves Gve kece&eeefjeeW kes efueS heWMeve efJekeuhe hegve: Keesuee, efpevneWves henues heWMeve
eespevee kees enCe veneR efkeee Lee. 19289 kece&eeefjeeW eje en efJekeuhe enCe kejves
kes heefjCeecemJehe 1855.71 kejes[ hees keer oselee me=efpele ngF&. Fmekes Deefleefje
Deveg<ebieer vewveerleeue yeQke efue. kes meyebOe cesb eseger meercee ceW ` 3.50 ueeKe mes ` 10
ueeKe keer Je=eq nes peeves kes keejCe eseger oselee ye{kej 10.09 kejes[ hees nes
ieF&.
uesKeebkeve ceeveke 15 kece&eejer ueeYe keer DeeJeMekeleeDeeW kes Devegmeej ueeYe leLee
neefve Keeles ceW 1865.80 kejes[ hees keer mecee jeefMe eYeeefjle kejvee Dehesef#ele Lee.
leLeeefhe Yeejleere efj]peJe& yeQke ves meeJe&peefveke #es$e kes yeQkeeW kes kece&eeefjeeW kes efueS
heWMeve efJekeuhe hegve: Keesueves Deewj eseger meerceeDeeW ceW Je=ef efJeJeske meccele efveeeceke
JeJenej kes yeejs ceW heefjhe$eebke [eryeerDees[er.yeerheer.yeermeer.80/21.04.018/2010-11
efoveebke 9 HejJejer 2011 kees peejer efkeee nw. Ge heefjhe$e kes eeJeOeeveeW kes Devegmeej
mecetn ceW 31 ceee& 2013 leke ueeYe-neefve Keeles ceW `1119.48 kejes[ hees
(`1865.80 kejes[ hees kes 3/5 Yeeie kes he ceW) eYeeefjle efkeS nwQ. `746.32
kejes[ hees (`1865.80 kejes[ hees - `1119.48 kejes[ hees) keer DeefveOee&efjle
Mes<e jeefMe efnmeeye ceW ueer peeSieer Deewj Gmes Ge heefjhe$e ceW efveece yeeer ngF&
DeJeefOe ceW efJecege/mesJeeefveJe=e kece&eeefjeeW ceW mebyebefOele keesF& kece&eejer Meeefceue veneR nw.
19. yeQke ves Yeejleere efj]peJe& yeQke kes he$e meb.etyeer[er.meerDees.SceF&DeejDeesF&Deej veb.
7814/09.16.901/2010.11 ef o . 4 ceee& , 2011 ceW ef o S ieS Deveg c ees o ve
kes Devegmeej cesceve kees-Dee@hejsefJe yeQke efueefces[ keer efJeefvee|o DeeeqmleeeW
SJeb os eleeDeeW kee Deef O eie n Ce ef o veeb k e 18.04.2011 kees ef k eee.eejb Y e
cesb [erDeeF&meerpeermeer oeJes mes eeHle ` 61.10 kejes[ kees mJeerkeejles mecee
` 149.25 kejes[ kes Iees keer ieCevee keer ieF&. Yeejleere efj]peJe& yeQke kes
he$e meb. [eryeerDees[er.meb.yeerheer. 1311/21.01.048/2012-11 efo. 25 pegueeF&,
2011 ceW efoS ieS Devegceesove kes Devegmeej Ge DeefOeienCe kes heefjCeecemJehe
` 149.25 kejes[ kes ngS Iees ceW mes yeQke ves efJelleere Je<e& 2011-12 kes oewjeve
` 49.75 kejes[ keer jeefMe ueeYe SJeb neefve Keeles ceW heYeeefjle keer nw Deewj
` 99.50 kejes[ keer Mes<e jeefMe efJeeere Je<e& 2013-14 leke keer Mes<e DeJeefOe kes oewjeve
Deevegheeefleke he mes heYeeefjle keer peeSieer. efJeleere Je<e& 2012-13 kes oewjeve yeQke
kees Debeflece efvemleejCe kes he ceW [erDeeF&meerpeermeer mes 23.75 kejes[ hees heehle ngS
heefjCeecemJehe Iees ceW 37.35 kejes[ hees keer Je=e
f ngF.& leovegmeej, Jele&ceeve efJeeere
Je<e& kes oewjeve 74.64 kejes[ hees keer jeefMe (149.25 kejes[ hees kes cetue Iees kes
1/3 kes he ceW 49.75 kejes[ hees Deewj 37.35 kejes[ hees kes [erDeeF&meerpeermeer
oeJeeW kes Iees kes 2/3 kes he ceW 24.89 kejes[ hees) ueeYe SJeb neefve Keeles ceW
heYeeefjle keer nw. 62.20 kejes[ hees keer Mes<e jeefMe (149.25 kejes[ kes cetue Iees
kee 1/3 Deewj 12.45 kejes[ hees kes heehle [erDeeF&meerpeermeer oeJes Iees kee 1/3) Deieues
efJeeere Je<e& 2013-14 kes oewjeve heYeeefjle keer peeSieer.
20. yeQke ves peceeveleer DeJeceeveke DeefieceeW hej 15% keer efJeefveeeceke DeeJeMekelee keer
leguevee ceW 20% kee heeJeOeeve efkeee nw.
18.
19.
20.
Fmekes Deefleefje yeQke ves keg Devepe&ke Iejsuet Deefiece KeeleeW ceW 31 ceee& 2013 kees
` 136.75 kejes[ (efheues Je<e& ` 342.79 kejes[) kee Deefleefje leoLe& heeJeOeeve
efkeee nw.
21. Yeejle mejkeej keer efoveebke 1 veJecyej 2012 keer DeefOemetevee kes Devegmeej yeQke eje
heeeesefpele PeyegDee Oeej #es$eere ieeceerCe yeQke Deewj vewveerleeue-Deucees[e #es$eere ieeceerCe
yeQke kee eceMe: yeQke Dee@He FeqC[ee eje heeesefpele vece&oe PeyegDee ieeceerCe yeQke Deewj
Yeejleere ms yeQke eje heeeesefpele GejeKeb[ ieeceerCe yeQke ceW DeefOemetevee kes jepekeere
iepe ceW hekeeMeve keer leejerKe mes efJeuee kej efoee ieee.
Fmekes Deefleefje, Yeejle mejkeej keer efoveebke 1 peveJejer 2013 keer DeefOemetevee kes
Devegmeej n[esleer #es$eere ieeceerCe yeQke (mesvûe yeQke Dee@He FeqC[ee eje heeeesefpele),
Deewj jepemLeeve ieeceerCe yeQke (hebpeeye vesMeveue yeQke eje heeeesefpele) kee ye[ewoe ieeceerCe
yeQke (yeQke Dee@He ye[ewoe eje heeeesefpele) ceW efJeuee kej efoee ieee. Fme efJeuee hej,
DeefOemetevee kes jepekeere iepe ceW hekeeMeve keer leejerKe mes ye[ewoe jepemLeeve ieeceerCe
yeQke kee veece yeoue kej ye[ewoe jepemLeeve #es$eere ieeceerCe yeQke kej efoee ieee.
22. efheues Je<e& kes Deebke[s
Jele&ceeve Je<e& keer emlegefle kejves kes efueS mecetn mebmLeeDeeW kes efheues Je<e& kes Deebke[eW kees
peneb DeeJeMeke mecePee ieee, Jeneb hegve: JeJeefmLele / hegveefve&Oeeefjle / hegve: mecetnerke=le
efkeee ieee nw.
21.
22.
2012-13
18.
During the financial year 2010-11, the Parent and its Subsidiary
The Nainital Bank Ltd. had reopened the pension option for such
of its employees who had not opted for the pension scheme
earlier. As a result of exercise of such option by 19289 number of
employees, the Group had incurred a liability of `1855.71 crores.
Further in respect of Subsidiary, Nainital Bank Ltd., gratuity
liability has increased by ` 10.09 crores due to enhancement of
limit of gratuity from ` 3.50 lacs to ` 10 lacs.
In terms of the requirements of the AS 15 - Employee Benefits,
the entire amount of `1865.80 crores was required to be charged
to the Profit and Loss Account. However, vide RBI circular no.
DBOD.BP.BC.80/21.04.018/2010-11 on Re-opening of Pension
Option to Employees of Public Sector Banks and Enhancement
in Gratuity Limits Prudential Regulatory Treatment, dated 9th
February 2011, the Group has charged an amount of ` 1119.48
crores (representing three-fifth of `1865.80 crores) upto March
31, 2013. The unrecognized balance of `746.32 crores (`1865.80
crores `1119.48 crores) shall be accounted for and charged off
over the balance period stipulated in terms of the said circular.
This liability does not include any amount relating to separated/
retired employees.
The Parent has taken over specified Assets & Liabilities of
The Memon Co-operative Bank Ltd on 18th April, 2011 as per
approval granted by RBI vide letter no. UBD.CO.MEROER No.
7814/09.16.901/2010.11 dated 04th March, 2011. Initially, ` 149.25
crores of deficit was calculated considering ` 61.10 crores as
receivable from DICGC claims. Out of the deficit of ` 149.25 Crores
on account of the said take over, the Parent has proportionately
charged ` 49.75 Crores of the said deficit to the Profit and
Loss Account during the financial year 2011-12 as approved
by RBI vide letter no. DBOD.No.BP.1311/21.04.048/2010-11
dated 25th July, 2011 and an amount of `. 99.50 crores was
carried forward to be charged proportionately during the
remaining period till the FY 2013-14. . During the FY 2012-13,
` 23.75 crores has been received by the Parent from DICGC
as final settlement and consequently the deficit increased by
` 37.35 crores. Accordingly, an amount of ` 74.64 crores
(` 49.75 crores being 1/3rd of original deficit of ` 149.25 crores and
24.89 crores being 2/3rd of deficit of DICGC claims of ` 37.35 crores)
is charged to profit and loss account during the current financial year.
The balance amount of ` 62.20 crores (1/3rd of original deficit of
` 149.25 crores and 1/3rd of deficit of DICGC claim receipt of
` 12.45 crores) will be charged during the next Financial Year
2013-14
The Parent has made provision @ 20% on the Secured Substandard Advance as against the Regulatory requirement of 15%.
Further the Parent has made an additional ad-hoc provision of
` 136.75 Crores for the year ended March 31, 2013 (previous
year ` 342.79 Crores) in certain non performing domestic
advance accounts.
As per the Government of India notification dated 01st November
2012, Jhabua Dhar Kshetriya Gramin Bank and N ainital Almora
Kshetriya Gramin Bank sponsored by Parent were amalgamated
into Narmada Jhabua Gramin Bank under the sponsorship
of Bank of India and Uttarakhand Gramin Bank under the
sponsorship of State Bank of India respectively, from the date of
publication of the notification in the Official Gazette.
Further, as per the Government of India notification dated 1st
January 2013, Hadoti Kshetriya Gramin Bank (sponsored by
Central Bank of India), and Rajasthan Gramin Bank (sponsored
by the Punjab National Bank) were amalgamated with Baroda
Rajasthan Gramin Bank (sponsored by Bank of Baroda). On
amalgamation, the name of Baroda Rajasthan Gramin Bank was
changed to Baroda Rajasthan Kshetriya Gramin Bank from the
date of publication of the notification in the Official Gazette.
Previous year figures of the group entities have been rearranged
/ recast / regrouped wherever considered necessary to conform
current years presentation.
263
2012-13
31 ceee& 2013 kees meceehle Je<e& kes efueS mecesefkele vekeoer eJeen efJeJejCe
Statement of Consolidated Cash Flow for the year ended 31st March, 2013
31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
5248,36,93
6336,03,70
Year ended
31.03.2013
ke. Heefjeeueve keee&keueeHeebs mes vekeoer HeJeen :
Year ended
31.03.2012
A. Cash flow from operating activities :
kej mes HetJe& Meg ueeYe
net Profit before taxes
efvecveefueefKele kes efueS meceeeespeve :
Adjustments for :
Deeue DeeefmleeeW Hej cetueeme
Depreciation on fixed assets
321,70,12
295,48,16
efveJesMeeW Hej cetue eme (HeefjHekeJe $e+CeHe$eeW meefnle)
Depreciation on investments (including on

Matured debentures)
220,55,42
238,81,36
yes Keeles ceW [eues ieS DeMeesOe $e+Ce/

iewj efve<Heeoke DeeefmleeeW kes efueS HeeJeOeeve
Bad debts written-off/Provision in respect of

non-performing assets
3501,01,53
1892,81,38
ceeveke DeeefmleeeW kes efueS HeeJeOeeve
Provision for Standard Assets
395,21,36
449,66,42
Deve ceoeW kes efueS HeeJeOeeve
Provision for Other items
848,50,50
523,98,03
Deeue DeeefmleeeW keer efyeeer mes ueeYe /(neefve)
(Profit)/loss on sale of fixed assets
1,22,56
(79,87)
ieewCe $e+CeeW Hej yeepe ueeYe/HeeJeOeeve,

(Deueie mes efueee ieee)
Payment/provision for interest on subordinated

debt(treated separately)
930,27,55
914,36,03
GHe pees[
Sub total
11466,85,97
10650,35,21
efvecveefueefKele kes ef}S meceeeespeve :
Adjustments for:
efveJesMeeW ceW (Je=ef) / keceer
(Increase)/Decrease in investments
(39140,60,32)
(12781,39,85)
DeefieceeW ceW (Je=ef) / keceer
(Increase)/Decrease in advances
(45049,07,56)
(61884,83,95)
Deve DeeefmleeeW ceW (Je=ef) / keceer
(increase)/Decrease in other assets
1889,31,06
(3545,00,45)
GOeej jeefMeeeW ceW Je=ef / (keceer)
Increase/(Decrease)in borrowings
2852,58,41
1031,35,69
pecee jeefMeeeW ceW Je=ef / (keceer)
Increase/(Decrease) in deposits
90022,94,80
81012,69,61
Deve oseleeDeeW leLee HeeJeOeeveesb ceW Je=ef /(keceer)
Increase/(Decrease) in other liabilities and

provisions
2981,82,56
1928,70,34
Heoe Hele#e kej (efjHeb[ kee Meg)
Direct taxes paid (Net of Refund)
(1827,70,72)
(1774,47,81)
Heefjeeueve efeeekeueeHeeW mes efveJeue vekeoer (ke)
net cash from operating activities (A)
23196,14,20
14637,38,79
(560,09,92)
(456,14,17)
45,94,30
40,02,44
(514,15,62)
(416,11,73)
10,13,29
19,57,73
Ke.efveJesMe mebyebOeer efeeekeueeHeeW mes vekeoer eJeen : B. Cash flow from investing activities :
Deeue DeeefmleeeW keer Kejero
Purchase of fixed assets
Deeue DeeefmleeeW keer efyeeer
Sale of fixed assets
efveJesMe mebyebOeer keee&keueeHeeW mes Meg vekeoer (Ke)
net cash from investing activities (B)
ie. efJelleere efeeekeueeHeeW mes vekeoer eJeen

Mesej hetbpeer
264
C. Cash flow from financing activities:

Share Capital
2012-13

31 ceee& 2013
kees meceeHle Je<e&
31 ceee& 2012
kees meceeHle Je<e&
Year ended
31.03.2013
Year ended
31.03.2012
Mesej Heerefceece
Share premium
839,86,71
1625,11,20
iewj peceeveleer ieewCe yeeb[
Unsecured Subordinated Bonds
102,30,00
188,37,19
ueeYeebMe
Dividend
(812,29,04)
(753,35,20)
iewj peceeveleer Heefleose yeeb[eW Hej Heoe /ose yeepe
Interest paid / payable on unsecured

redeemable bonds
(930,27,55)
(914,36,03)
efJeeHees<eCe ieefleefJeefOeeeW mes Meg vekeoer (ie)
net cash from financing activities (C)
(790,26,59)
165,34,89
vekeoer SJeb vekeoer mecelegue (ke)+(Ke)+(ie) ceW

Meg Je=ef
net increase in cash & cash equivalents

(A)+(B)+(C)
21891,71,99
14386,61,95
Je<e& kes DeejbYe ceW vekeoer SJeb vekeoer mecelegue
Cash and cash equivalents as at the beginning

of the year
65810,34,67
51423,72,72
Je<e& kes Deble ceW vekeoer SJeb vekeoer mecelegue
Cash and cash equivalents as at the end of

the year
87702,06,66
65810,34,67
As on 31st
March 2013
As on 31st
March 2012
efhheCeer
Notes:
1 vekeoer leLee vekeoer mecelegue ceW neLe ceW vekeoer, 1 Cash & Cash equivalents includes Cash on
hand, Balance with RBI & Other banks and
Yee.efj.yeQ. leLee Deve yeQkeeW kes Heeme Mes<e Deewj
Money at call and Short Notice.
ceebie leLee DeuheeJeefOe veesefme hej cege Meeefceue nQ.
2 vekeoer leLee vekeoer mecelegue kes Ieke
2 Components of Cash & Cash Equivalents
Yee.efj.yeQ. kes Heeme vekeoer SJeb Mes<e
Cash & Balance with RBI
14151,18,45
22268,34,40
yeQkeeW kes meeLe Mes<e leLee ceebie SJeb DeuheeJeefOe veesefme

hej cege
Balances with Banks and Money at Call and

Short Notice
73550,88,21
43542,00,27
pees[
Total
87702,06,66
65810,34,67
265
2012-13
yeQke Dee@]He ye[ewoe keer mecesefkele efJelleere efJeJejefCeeeW hej uesKee hejer#ekeeW keer efjhees&
Auditors' Report on Consolidated Financial Statements of Bank of Baroda

mesJee ceW,
efveosMeke ceb[ue, yeQke Dee@]He ye[ewoe
1.
nceves yeQke Dee@]He ye[ewoe (o ieghe) keer mecesefkele efJeeere efJeJejefCeeeb

efpeveceW 31 ceee& 2013 kee mecesefkele legueve he$e leLee Gmekes meeLe mebueive
Ge efoveebke kees meceehle Je<e& kes mecesefkele ueeYe-neefve uesKes, mecesefkele
vekeo heJeen efJeJejCe Deewj GuuesKeveere uesKeebkeve veerefleeeW kee meejebMe
Meeefceue nw, keer uesKee hejer#ee keer nw. FveceW efvecveefueefKele kes Keeles Meeefceue
nQ:
i.
nceejer uesKee Hejer#ee efjHees& efoveebke 13.05.2013 kes Devegmeej nceejs eje
uesKee hejere#f ele yeQke Dee@H] e ye[ewoe (o yeQke) kes uesKee hejere#f ele Keeles,
ii.
Deve uesKee hejer#ekeeW eje uesKee hejere#f ele -11- Deveg<ebeif eeeW leLee -6meneesieer FkeeFeeW, 2 mebege GheeceeW kes uesKee hejere#f ele Keeles,
iii.
1 Deveg<ebieer Deewj 1 mebegkele GHeece kes DeuesKeehejeref#ele Keeles
efJelleere efJeJejefCeeeW nsleg eyebOeve kee oeefelJe

2.
Fve mecesefkele efJeeere efJeJejefCeeeW kees leweej kejves kes efueS heyebOeve efpeccesoej
nw pees Yeejleere efjpeJe& yeQke eje mecee-mecee hej peejer efoMeeefveoxMeeW SJeb
Yeejle ceW mJeerkeee& meeceeve uesKee hejer#ee ceeveob[eW keer Devegheeuevee ceW yeQeEkeie
efJeefveece DeefOeefveece 1949 kes Deveghe ieghe keer mecesefkele efJeeere eqmLeefle,
mecesefkele efJeeere keee&-efve<heeove SJeb mecesefkele vekeoer heJeen keer JeemleefJeke
SJeb mener lemJeerj hemlegle kejleer nQ. Fme oeefelJe ceW mecesefkele efJeeere
efJeJejefCeeeW kees leweej SJeb hemlegle kejves nsleg Deebleefjke efveeb$eCe, keeee&vJeeve
SJeb hejsKee mecceefuele nw. es efJeJejefCeeeb JeemleefJeke SJeb mener lemJeerj hemlegle
kejleer nQ Deewj FveceW peeuemeepeer ee Yetue keer Jepen mes keesF& GuuesKeveere
ieueleer vener nw.
uesKee Hejer#ekeeW kee oeefelJe

3.
nceeje oeefelJe Deheveer uesKee hejer#ee hej DeeOeeefjle Fve mecesefkele efJeeere
efJeJejefCeeeW hej Deheveer jee Jee kejvee nw. nceves Yeejleere meveoer
uesKeekeej mebmLeeve eje peejer uesKee hejer#ee ceevekeeW kes Devegmeej uesKee
hejer#ee keer nw. Fve ceevekeeW keer Dehes#ee nw efke nce veweflekelee kee efveJee&n kejles
ngS uesKee hejer#ee keee& megefveeesefpele SJeb megJeJeeqmLele he ceW Fme hekeej
mecheVe kejW efke nceW en leee|keke Deeeemeve efceues efke es efJeeere efJeJejefCeeeb
efkemeer Yeer hekeej keer GuuesKeveere / hecegKe ieueefleeeW mes cege nQ.
4.
uesKee hejer#ee ceW jeefMeeeW kes mee#eeW SJeb hekeerkejCe keer peebe nsleg mecesefkele
efJeeere efJeJejefCeeeW ceW oer ieF& efve<heeove heefeee kes Deveghe keee&Jeener
Meeefceue nw. eeefvele heefeee (efJeefOe) uesKee hejer#eke kes efJeJeske hej efveYe&j
nw, FmeceW mecesefkele efJeeere efJeJejefCeeeW ceW GuuesKeveere ieueefleeeW kes peesefKece
Yeues ner Jen peeuemeepeer ee Yetue kes Jepee mes neW, kee cetueebkeve / Deekeueve
kejvee Meeefceue nw. Fve peesefKeceeW kee cetueebkeve kejles mecee uesKee hejer#eke
JeemleefJeke SJeb mener lemJeerj hemlegle kejves Jeeueer Fve mecesefkele efJeeere
efJeJejefCeeeW keer Gheege hemlegefle nsleg ieghe kes mecye Deebleefjke efveeb$eCeeW kee
DeJeueeskeve kejlee nw leeefke heefjeqmLeefle Devegmeej Gheege uesKee hejer#ee heefeee
efveOee&efjle keer pee mekes. uesKee hejer#ee ceW heyebOeve eje efkeS ieS cenlJehetCe&
Devegceeve leLee heege uesKeebkeve veerefleeeW keer Gheegelee kee cetueebkeve Deewj
266
To
The Board of Directors, Bank of Baroda
1) We have audited the accompanying consolidated
financial statements of BANK OF BARODA (the Group),
which comprise the Consolidated Balance Sheet as on
31st March, 2013, the Consolidated Profit and Loss
Account and the Consolidated Cash Flow Statement
for the year then ended and a summary of significant
accounting policies and other explanatory information, in
which following are incorporated:
i)
Audited Accounts of the Bank of Baroda (The Bank),
audited by us, vide our audit report dated May 13,
2013.
ii) Audited Accounts of 11 Subsidiaries, 6 Associates
and 2 Joint Ventures, audited by other Auditors,
iii) Unaudited Accounts of 1 Subsidiary and 1 Joint
Venture.
Managements Responsibility for the Consolidated
Financial Statements
2) Management is responsible for the preparation of these
consolidated financial statements that give a true and fair
view of the consolidated financial position, consolidated
financial performance and consolidated cash flows of the
Group in accordance with the Banking Regulation Act
1949, complying with Reserve Bank of India guidelines
from time to time and accounting standards generally
accepted in India. This responsibility includes the design,
implementation and maintenance of internal control
relevant to the preparation and presentation of the
consolidated financial statements that give a true and fair
view and are free from material misstatement, whether
due to fraud or error.
Auditors Responsibility
3) Our responsibility is to express an opinion on these
consolidated financial statements based on our audit. We
conducted our audit in accordance with the Standards on
Auditing issued by the Institute of Chartered Accountants
of India. Those Standards require that we comply with
ethical requirements and plan and perform the audit
to obtain reasonable assurance about whether the
consolidated financial statements are free from material
misstatement.
4) An audit involves performing procedures to obtain
audit evidence about the amounts and disclosures in
the consolidated financial statements. The procedures
selected depend on the auditors judgement, including
the assessment of the risks of material misstatement
of the consolidated financial statements, whether due
to fraud or error. In making those risk assessments,
the auditor considers internal control relevant to the
Groups preparation and presentation of the consolidated
financial statements that give a true and fair view in order
to design audit procedures that are appropriate in the
circumstances.
An audit also includes evaluating the appropriateness of
accounting policies used and the reasonableness of the

mecesefkele efJeeere efJeJejefCeeeW keer meceie hemlegefle kee Deekeueve meeqcceefuele nw.
nceeje efJeeeme nw efke nceves pees uesKee hejer#ee mee#e heehle efkeS nQ, Jen
nceejer uesKee hejer#ee jee hemlegle kejves kes efueS Gheege SJeb heee&hle nQ.
cenlJeHetCe& efJe<ee
5. (ke) Devegmeteer 19 kes vees meb.18, efpemeceW yeQke leLee Gmekeer Deveg<ebieer
vewveerleeue yeQke efueefces[ keer DeemLeefiele oselee kee GuuesKe efkeee
ieee nw peesefke 31 ceee&, 2013 kees 746.32 kejes[ hees keer heWMeve
leLee Gheoeve (ieseger) mes mebye nw. en Yeejleere efj]peJe& yeQke
eje mejkeejer #es$e kes yeQkeeW kes kece&eeefjeeW kees heWMeve kee efJekeuhe
hegve: Keesueves leLee Gheoeve (ieseter) meercee ceW Je=ef efJeJeskehetCe&
efveeeceke JeJenej kes yeejs ceW peejer heefjhe$eebke [eryeerDees[er.yeerheer.
yeermeer/80/21.04.018/2010-11 efoveebke 9 HejJejer, 2011 kes
Devegmeej SSme 15 (mebMeesefOele) kece&eejer ueeYe kes heeJeOeeveeW kees ueeiet
kejves mes yeQkeeW kees t osves kes Devegheeueve kes he ceW nw.
(Ke) Devegmeteer 19 kes vees meb.19 ceW Yeejleere efj]peJe& yeQke he$e meb.
[eryeerDees[er meb.yeerheer.1311/21.04. 048/2010-11 efoveebke 25
pegueeF&, 2011 kes eje heehle Devegceesove kes Devegmeej cesceve kees-Dee@
hejsefJe yeQke efueefces[ keer efJeefvee|o DeeeqmleeeW leLee oseleeDeeW kes
DeefOeienCe kes heefjCeecemJehe 31 ceee&, 2013 kees 62.20 kejes[
hees kes kegue efveOee&ejf le Iees kee GuuesKe efkeee ieee nw efpemes efJeeere
Je<e& 2013-14 leke Deevegheeefleke he mes heYeeefjle efkeee peevee nw.
cenlJehetCe& efJe<ee kes mebyebOe ceW nceejs jee Dehesef#ele vener nw.
jee
6. nceejer jee ceW leLee nceejer DeefOekelece peevekeejer Deewj nceW efoS ieS
mheerkejCeeW kes Devegmeej leLee veeres yeleeF& Deveg<ebefieeeW SJeb meneesefieees keer
efJeeere efJeJejefCeeeW / mecesefkele efJeeere efJeJejefCeeeW hej Deve uesKee hejer#ekeeW
keer efjheesex kes DeeOeej hej mecesefkele efJeeere efJeJejefCeeeb Yeejle ceW meeceevele:
mJeerke=le uesKeebkeve efmeebleeW kes Devegmeej JeemleefJeke SJeb mener lemJeerj hemlegle
kejleer nQ:
(ke) 31 ceee& 2013 kees ieghe kes keee& JeJenejeW mes mebyebefOele mecesefkele
legueve he$e kes mebyebOe ceW
(Ke) Ge leejerKe kees meceehle Je<e& kes efueS ieghe kes ueeYe mebyebOeer mecesefkele
ueeYe neefve Keeles kes mebyebOe ceW, Deewj
(ie)
Ge leejerKe kees meceehle Je<e& kes efueS ieghe kes vekeoer heJeen mebyebOeer
mecesefkele vekeoer heJeen efJeJejCeer kes mebyebOe ceW.
Deve efJe<ee
7) mecesefkele efJeeere efJeJejefCeeeW efvecveefueefKele Meeefceue nQ1 Debleje&êre Deveg<ebieer yeQke Dee@]He ye[ewoe (yeeslmeJeevee)
(ke) (i)
efueefces[ kes yeejs ceW DeuesKeehejeref#ele efJeeere efJeJejefCeeeW kes
Deebke[W, Fmekeer efJeeere efJeJejefCeeeW ceW 31 ceee&, 2013 kees
kegue Deeefmleeeb 1018.44 kejes[ hees keer kegue DeeeqmleeeW
kee GuuesKe nw Deewj Ge Je<e& keer meceeeqhle keer leejerKe kees
kegue jepemJe 75.68 kejes[ hees Deewj vekeoer heJeen 23.24
kejes[ hees nw.
(ii)
1 Debleje&<êre mebegkele GHeece - FefC[ee FbjvesMeveue yeQke
(ceuesefMeee) yesjne[ kes yeejs ceW DeuesKee Hejeref#ele efJelleere
efJeJejefCeeeW kes Deebke[s, Fmekeer efJelleere efJeJejefCeeeW ces
2012-13
accounting estimates made by management, as well as

evaluating the overall presentation of the consolidated
financial statements. We believe that the audit evidence
we have obtained is sufficient and appropriate to provide
a basis for our audit opinion.
Matter of Emphasis
5)
a) Note No.18 of Schedule-19, which describes
deferment of liability of the Bank and its subsidiary,
the Nainital Bank Ltd, relating to pension and
gratuity to the extent of ` 746.32 crores as on 31st
March, 2013 pursuant to the exemption granted by
the Reserve Bank of India to the public sector banks
from application of the provisions of AS 15 (revised),
Employee Benefits, vide its circular no. DBOD.
BP.BC/80/21.04.018/2010-11 dated February 9,
2011, on Re-opening of Pension Option to Employees
of Public Sector Banks and Enhancement in Gratuity
Limit- Prudential Regulatory Treatment.
b) Note No.19 of Schedule-19, which describes
that the unrecognized deficit aggregating ` 62.20
crores as on 31st March, 2013, arising out of the
take-over of specified assets and liabilities from the
Memon Co-operative Bank Limited to be charged
off proportionately till financial year 2013-14 as per
approval received from RBI vide Letter No. DBOD.
No.BP.1311/21.04.048/2010-11 dated July 25, 2011.
Our opinion is not qualified in respect of Matter of
Emphasis.
Opinion
6) In our opinion and to the best of our information and
according to the explanations given to us, and based on
consideration of the reports of the other auditors on the
financial statements / consolidated financial statements
of the subsidiaries and associates as noted below, the
consolidated financial statements give a true and fair view
in conformity with the accounting principles generally
accepted in India:
(a) in the case of the Consolidated Balance Sheet, of
the state of affairs of the Group as on 31st March,
2013;
(b) in the case of the Consolidated Profit and Loss
Account, of the profit of the Group for the year ended
on that date and
(c) in the case of the Consolidated Cash Flow Statement,
of the cash flows of the Group for the year ended on
that date.
Other Matters
7) Incorporated in the Consolidated Financial Statements
are:
a)
(i) Figures of unaudited financial statements in
respect of 1 international subsidiary namely
Bank of Baroda (Botswana) Ltd, whose
financial statements reflect total assets of
` 1018.44 crores as on 31st March, 2013 and
total revenue of ` 75.68 crores and cash flows
amounting to ` 23.24 crores for the year ended
on that date
(ii) Figures of unaudited financial statements
in respect of 1 international Joint Venture
267
2012-13
31 efomecyej 2012 kees 255.30 kejes[ Hees keer kegue

DeeefmleeeW kes meceevegHeele kee GuuesKe nw Deewj Gkele Je<e& keer
meceeefHle keer leejerKe kees kegue jepemJe 3.51 kejes[ Hees
Deewj vekeoer heJeen 232.25 kejes[ hees nw.
(Ke) 8 Debleje&e^ r e Deveg<ebeif eeeW keer efJeeere efJejjefCeeeb, efpevekeer nceves uesKee
Hejer#ee veneR keer nw. Fvekeer efJeeere efJeJejefCeeeW ceW 31 ceee& 2013 kees
kegue Deeeqmleeeb 6105.22 kejes[ Hees kee GuuesKe nw Deewj Je<e& kes Deble
ceW 728.33 kejes[ . kee kegue jepemJe leLee 85.75 kejes[ Hees
kee vekeoer eJeen nw. Gkele Deveg<ebeif eeeW leLee mebegkele GeceeW keer efJeeere
efJeJejefCeeeW leLee Deve eqJeeere metevee keer mLeeveere He mes meeceevele:
mJeerke=le uesKeebkeve efmeevleeW (peerSSHeer) keer DeeJeMekeleeDeeW kes Devegmeej
otmejs uesKee-Hejer#ekeeW eje uesKee-Hejer#ee keer ieF& nw. eyebOeve eje
Yeejleere peerSSHeer keer DeHes#eeDeeW kes Devegmeej Fve efJeeere efJeJejefCeeeW
kees Heebleefjle efkeee ieee nw Deewj Fvekeer mebyebeOf ele uesKee Hejer#ekeeW
eje uesKee Hejer#ee keer ieF& nw Deewj nceejs efJeeej mes Gkele Deveg<ebeif eeeW
kes yeejs ceW peneb leke meceeefJe jeefMeeeW kee mebyebOe nw, es cetuele: Gve
uesKee Hejer#ekeeW keer efjHeeseX Hej leLee Fmekes GHeegk& ele Yeejleere peerSSHeer
ceW HeeblejCe kes DeeOeej Hej nw.
(ie)
b)
c)
3 Iejsuet Deveg<ebeif eeeW leLee -2- Iejsuet mebege GeceeW kes Deebke[,s efpevekeer
otmejs uesKee hejer#ekeeW ves uesKee hejer#ee veneR keer nw. Fvekeer efJeeere
efJeJejefCeeeW ceW 31 ceee&, 2013 kees kegue Deeeqmleeeb 6622.71 kejes[
hees leLee Je<e& kes Deble ceW 1386.95 kejes[ Hees keer kegue Deee SJeb
vekeoer heJeen kes he ceW 343.81 kejes[ hees kee GuuesKe nw.
cenlJehetCe& efJe<ee kes mebyebOe ceW nceejs jee Dehesef#ele vener nw.

meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 216244

meveoer uesKeekeej
(efpeleW kegceej)
Yeeieeroej
Sce. veb.: 201825
ke=les js SC[ js
meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 056060

FRN: 002460S
(Dayaniwas Sharma)
Partner
M No.216244
For Brahmayya & Co.

FRN: 000511S
(Jitendra Kumar)
Partner
M No.201825
For Ray & Ray

FRN: 301072E
(Amitava Chowdhury)
Partner
M. No. 056060

meveoer uesKeekeej
(ieewjJe efcelleue)
Yeeieeroej
Sce. veb.: 099387

meveoer uesKeekeej
(eoerHe pes Meser)
Yeeieeroej
Sce. veb.: 046940

meveoer uesKeekeej
Yeeieeroej
Sce. veb.: 073063

FRN: 001135N
(Gaurav Mittal)
Partner
M. No. 099387
For N. B. S. & Co.

FRN: 110100W
(Pradeep J. Shetty)
Partner
M No.046940
For KASG & Co.

FRN: 002228C
(R. K. Agarwal)
Partner
M No.073063

268
namely India International Bank (Malaysia)

Berhad, whose financial statements reflect
proportionate of total assets ` 255.30 crores as
on 31st December, 2012 and total revenue of
` 3.51 crores and cash flows amounting to `
232.25 crores for the year ended on that date
Financial statements of 8 international subsidiaries
which have not been audited by us, whose financial
statements reflect total assets of ` 6105.22 crores as
on 31st March, 2013 and total revenue of ` 728.33
crores and cash flows amounting to ` 85.75 crores
for the year then ended. The financial statements and
other financial information of said subsidiaries and
joint ventures have been audited by other auditors
as per the requirement of respective local Generally
Accepted Accounting Principles (GAAP). These
financial statements have been converted as per the
requirements of Indian GAAP by the management
and audited by respective auditors and our opinion,
in so far it relates to the amounts included in respect
of those subsidiaries is based solely on the reports
of those auditors and its conversion into Indian
GAAP as stated above.
Figures of 3 domestic subsidiaries and 2 domestic
joint ventures which have been audited by other
auditors, whose financial statements reflect total
assets of ` 6622.71 crores as on 31st March, 2013
and total revenue of ` 1386.95 crores and cash
flows amounting to ` 343.81 crores for the year then
ended.
Our Opinion is not qualified in respect of other
matters.
2012-13
meer F& Dees / meer SHe Dees eceeCeerkejCe
efveosMeke ceC[ue
cegcyeF&
efee cenesoe,
efJe<ee : Je<e& 2012-13 kes efueS meer F& Dees / meer SHe Dees eceeCeerkejCe - mecesefkele
yee@cyes me@ke SkemeeWpe efueefces[ leLee vesMeveue me@ke SkemeeWpe efueefces[ kes meeLe meteeryelee kejej keer Oeeje 41 SJeb Oeeje 49 keer Devegheeuevee mJehe nce Sleod eje
eceeefCele kejles nQ efke
ke. nceves Je<e& 2012-13 keer efJeeere efJeJejCeer leLee vekeoer eJeen efJeJejCeer (mecesefkele) keer meceer#ee keer nw leLee nceejer DeefOekelece peevekeejer SJeb efJeeeme kes Devegmeej :
i.
Fve efJeJejefCeeeW ceW keesF& efJe<eeiele DeeLeeLe& DeefYekeLeve veneR nw DeLeJee keesF& efJe<eeiele leLe efheeee veneR ieee nw DeLeJee FveceW keesF& Yeeceke DeefYekeLeve Meeefceue
veneR efkeee ieee nw.
ii. es DeefYekeLeve / efJeJejCe yeQke kes keee&keueeheeW kee mener SJeb mhe efkeesCe emlegle kejles nQ leLee es efJeeceeve uesKee ceevekeeW, ueeiet efveeceeW SJeb efJeefveeceeW kes
Deveghe nQ.
Ke. nceejer peevekeejer SJeb efJeeeme kes Devegmeej Je<e& kes oewjeve yeQke eje Ssmes keesF& mebJeJenej veneR efkeS ieS pees OeesKeeOe[er ceW efuehle nes, iewj keevetveer nes DeLeJee yeQke keer
Deeeej mebefnlee kes efJe neW.
ie. nce efJeeere efjheesefie mes mecye Deevleefjke efveev$eCeeW kee hetCe& oeefelJe mJeerkeej kejles nQ. nce en Yeer mJeerkeej kejles nQ efke nceves efJeeere efjheesefie keer Deevleefjke
efveev$eCe eCeeueer keer eYeeJeMeeruelee kee cetueebkeve/Deekeueve efkeee nw leLee nceves uesKee hejer#ekeeW Deewj uesKee meefceefle kees Deevleefjke efveev$eCeeW kes heefjeeueve SJeb mJehe
mes mecye keefceeeW, eefo keesF& nw DeLeJee pees nceejs DeefYe%eeve ceW nQ SJeb nceves FvnW otj kejves kes efueS pees Gheee efkeS nQ ee emleeefJele nw, keer peevekeejer os oer nw.
Ie) nceves uesKee hejer#ekeeW leLee uesKee hejer#ee meefceefle kees efvec>efueefKele mes DeJeiele kejeee nw.
i.
Je<e& kes oewjeve efJeeere efjheesefie kes meboYe& ceW Deevleefjke efveev$eCe JeJemLee ceW cenlJehetCe& heefjJele&ve
ii. Je<e& kes oewjeve uesKee veerefleeeW ceW cenlJehetCe& heefjJele&ve leLee Fvekee GuuesKe efJeeere efJeJejefCeeeW kes veesdme ceW kej efoee ieee nw
iii. nceejer peevekeejer ceW DeeS OeesKeeOe[er mecyebOeer efJeefMe ceeceues leLee GveceW eyevOeve DeLeJee efkemeer kece&eejer keer mebefuehlelee, efpemekeer Deevleefjke efveev$eCe eCeeueer
mebyebOeer efJelleere efjHeesefie ceW Dence Yetefcekee nes.
Jeer. kes. ieghlee
Sme.Sme.cetbo[e
ceneeyevOeke
(keeheexjs Keeles, kejeOeeve SJeb Deveg<ebefieeeb leLee meerSHeDees)

efoveebke : 13 ceF& 2013
mLeeve : cegbyeF&
269
2012-13
CEO / CFO CERTIFICATION
Board of Directors,
Bank of Baroda
Mumbai
Dear Sirs,
Re : CEO/CFO Certification for the year 2012 - 13 - Consolidated

Pursuant to Clause 41 and 49 of the Listing Agreements with Bombay Stock Exchange Limited and National Stock Exchange
Limited, we hereby certify that:
a.
We have reviewed financial statements and the cash flow statement for the year 2012-13 (Consolidated) and that to the
best of our knowledge and belief:
i.
These statements do not contain any materially untrue statement or omit any material fact or contain statements that
might be misleading:
ii.
These statements together present a true and fair view of the Banks affairs and are in compliance with existing
accounting standards, applicable laws and regulations.
b.
There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year which are
fraudulent, illegal or violative of the Banks code of conduct.
c.
We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have evaluated
the effectiveness of internal control systems of the Bank pertaining to financial reporting and we have disclosed to the
auditors and the Audit Committee deficiencies in the design or operation of such internal controls, if any, of which we are
aware and the steps we have taken or propose to take to rectify these deficiencies.
d.
We have indicated to the Auditors and the Audit Committee.

i.
Significant changes in internal control over financial reporting during the year.
ii.
Significant changes in accounting policies during the year and that the same have been disclosed in the notes to the
financial statements and
iii.
Instances of significant fraud of which we have become aware and the involvement therein, if any, of the management
or an employee having a significant role in the Banks internal control system over financial reporting.
V. K. Gupta
General Manager
(Corp. A/cs, Taxation & Subsidiaries and CFO)
Place : Mumbai
270
S. S. Mundra
Heece& yeer
Hee@kemeer - Heece&
(MesejOeejke eje Yeje SJeb nmlee#ej efkeee peeS)

17JeeR Jeeef<e&ke meeceeve yew"ke
yegOeJeej, 26 petve, 2013
Hebpeerke=le Heesefueees e.
[erHeer DeeF&[er e.*

ieenke DeeF&[er e.*
(Fueskeêsefveke he ceW Mesej jKeves Jeeues meomeeW kes efueS ueeiet)
efveJeemeer
ceQ/nce
efpeuee
jepe
yeQke Dee]@He ye[ewoe kee/kes MesejOeejke nesves kes veeles Sleodeje
eer/eerceleer
efveJeemeer
jepe
efveJeemeer
efpeuee
kees DeLeJee Gvekeer DevegHeefmLeefle ceW eer/eerceleer
efpeuee
jepe
kees yegOeJeej , 26 petve, 2013 kees heele 10:30 yepes mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej mesJee meove, yeQke
Dee@]He ye[ewoe Meleeyoer Je<e& (2007-2008), er.heer.- 1, SHe. heer. 549/1, peerF&yeer kee@ueesveer kes heeme, Deesu[ heeoje jes[, Dekeese, Je[esoje- 390 020 ceW ee Fmekeer
mLeefiele leejerKe kees yeQke Dee@]He ye[ewoe kes MesejOeejkeeW keer nesves Jeeueer 17 JeeR Jeee|<eke meeceeve yew"ke ceW cesjer / nceejer Deesj mes yew"ke ceW Yeeie uesves Deewj Jees osves kes
efueS hee@kemeer efveege kejlee / kejleer ntb / kejles nQ.
ke=heee
jepemJe
leejerKe
ceen
2013 kees nmlee#eefjle
efke eneb
ueieeeW
ee@kemeer kes nmlee#ej
veece (mhe De#ejeW ceW) :

helee :
eLece MesejOeejke / Skeue MesejOeejke kes nmlee#ej
Hee@kemeer Heece& Hej nmlee#ej kejves SJeb Hemlegle kejves mebyebOeer DevegosMe
1. Hee@kemeer keer keesF& efueKele leye leke JewOe veneR ceeveer peeSieer peye leke efke :
(ke) en Jeweefkeleke MesejOeejke kes ceeceues ceW, MesejOeejke eje ee Gmekes eje efJeefOeJele efueefKele He ceW HeeefOeke=le Gmekes Deveea eje nmlee#eefjle ve nes.
(Ke) mebegkele OeejkeeW kes ceeceues ceW, en jefpemj ceW ope& HeLece MesejOeejke eje ee Gmekes eje efJeefOeJeled efueefKele He ceW HeeefOeke=le Gmekes Deveea eje nmlee#eefjle ve nes.
(ie) efvekeee keeHeexjs kes ceeceues ceW, efJeefOeJele efueefKele He ceW HeeefOeke=le Fmekes DeefOekeejer DeLeJee Deveea eje nmlee#eefjle ve nes.
yeMelex efke Hee@kemeer efueKele efkemeer MesejOeejke eje mecegefele He mes nmlee#eefjle nesvee eeefnS efkebleg eefo efkemeer keejCeJeMe MesejOeejke DeHevee veece efueKeves ceW DemeceLe& nQ Deewj Gmekes
Debiet"s kee efveMeeve Jeneb ueiee nw, lees en veeeeOeerMe, cewefpem^s, jefpemêj ee GHejefpemêj Dee@He SMeesjsvmesme ee efkemeer Deve mejkeejer jepeHeef$ele DeefOekeejer ee yeQke Dee@]He ye[ewoe
kes efkemeer DeefOekeejer eje mee#eebefkele nesvee eeefnS.
2. keesF& Yeer hee@kemeer leye leke JewOe veneR nesieer peye leke efJeefOeJele mebefhele ve nes Deewj Fmes yeQke kes heOeeve keeee&uee ceW yew"ke keer leejerKe mes kece mes kece eej efove henues DeLee&le MegeJeej,
21 petve, 2013 kees meebe 5.00 yepes leke yeQke Dee@He ye[ewoe, kesJeeF&meer SJeb SSceSue efJeYeeie, heOeeve keeee&uee, Dee"Jeeb leue, metjpe hueepee-1, meeepeeriebpe, Je[esoje- 390 005 ceW
yeQke keer keee& meceeeqhle hej ee Fmemes hetJe& pecee ve kejeee ieee nes. Fmekes meeLe Gme cegKleejveecee ee Deve heeefOekeej(eefo keesF& nes) efpemekes lenle Fmes nmlee#eefjle efkeee ieee nes ee
Gme cegKleejveecee keer heefle ee heeefOekeej keer heefle efpemes veesjer heeqyueke ee ceefpem^s eje mele heceeefCele efkeee ieee nes, kees pecee ve kejeee ieee nes, yeMelex efke Ssmee cegKleejveecee
ee Deve heeefOekeej, yeQke ceW henues pecee Deewj hebpeerke=le ve efkeee ieee nes.
3. hee@kemeer kee keesF& Yeer efueKele leye leke efJeefOeceeve veneR nesiee, peye leke Jen Heece& yeer ceW ve nes.
4. yeQke kes heeme pecee keer ieF& hee@kemeer keer efueKele DeheefjJele&veere Deewj Debeflece nesieer..
5. efJekeuhe kes leewj hej oes mJeerke=le JeefeeeW kes he#e ceW oer ieF& hee@kemeer efueKele kes ceeceues ceW Ske mes DeefOeke Heece& efve<heeefole veneR efkeee peeSiee.
6. hee@kemeer keer efueKele kees efve<heeefole kejves Jeeuee Devegoelee (ieejbj) mebyebefOele yew"ke ceW Jeefeiele he ceW celeoeve kee nkeoej veneR nesiee.
7. efkemeer Yeer Ssmes Jeefe kees eLeeefJeefOe heeefOeke=le heefleefveefOe DeLeJee hee@kemeer efveege veneR efkeee peeSiee pees yeQke Dee@]He ye[ewoe kee DeefOekeejer DeLeJee kece&eejer nes.
8. hee@kemeer Heece& ceW efkeS ieS meYeer heefjJele&ve eLeeefJeefOe heYeeefjle nesves eeefnS
Form B
PROXY FORM
(To be filled in and signed by the Shareholder)
17th Annual General Meeting
Regd.Folio No.
DP.ID No*.
Client ID No.* _____________________
(* Applicable for members holding shares in electronic form)
resident of
I / We
Wednesday, 26th June 2013
in the district of
in the State of
being a shareholder / shareholders of Bank of Baroda, hereby appoint
Shri/Smt.
resident of
in the district of
in the State of
or failing him/her, Shri/Smt.

in the district of
resident of
in the state of
as my/our proxy to vote for me/us and on my/our behalf at the 17th ANNUAL
GENERAL MEETING of the Shareholders of BANK OF BARODA to be held on the Wednesday, 26th June 2013, at 10.30 a.m.
at Sir Sayajirao Nagargriha, Vadodara Mahanagar Seva Sadan, Bank of Baroda Centenary Year (2007-2008), T.P. - 1, F.P. 549/1,
Near GEB Colony, Old Padra Road, Akota, Vadodara 390020 and at any adjournment thereof.
Signed this
Signature of Proxy
Name
(In Block Letters)
day of
2013
Affix
Revenue
Stamp
Address
INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM

1. No instrument of proxy shall be valid unless:
a. In the case of an individual shareholder, it is signed by him/her or by his/her attorney, duly authorized in writing or
b. In the case of joint holders, it is signed by the shareholder first named in the register or his/her attorney, duly authorized in writing or
c. In the case of the body corporate, signed by its officer or an attorney duly authorized in writing.
Provided that an instrument of Proxy shall be sufficiently signed by any shareholder, who is, for any reason, unable to write his/her name,
if his/her mark / thumb impression is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurance or other
Government gazetted officer or an officer of Bank of Baroda.
2. No proxy shall be valid unless it is duly stamped and is deposited at the Head Office of the Bank at Bank of Baroda, KYC & AML Department,
08th Floor, Suraj Plaza I, Sayajiganj, Vadodara 390 005, not less than 4- days before the date fixed for the meeting i.e. on or before
the closing hours of the Bank at 5.00 p.m. on Friday, 21st June 2013, together with the power of attorney or other authority (if any) under
which it is signed or a copy of that power of attorney or other authority certified as true copy by a Notary Public or a Magistrate unless such
a power of attorney or the other authority is previously deposited and registered with the Bank.
3. No instrument of proxy shall be valid unless it is in Form B.
4. An instrument of proxy deposited with the Bank shall be irrevocable and final.
5. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.
6. The grantor of an instrument of proxy shall not be entitled to vote in person at the meeting to which such instrument relates.
7. No person shall be appointed as duly authorized representative or a proxy who is an officer or an employee of Bank of Baroda.
8. All alterations in the Proxy Form should be duly authenticated.
Signature of first named/sole Shareholder
GHeefmLeefle Heeea
17JeeR Jeeef<e&ke meeceeve yew"ke
efoveebke
yegOeJeej, 26 petve, 2013
mLeeve
mej meeepeerjeJe veiejie=n, Je[esoje ceneveiej mesJee meove, yeQke Dee@He ye[ewoe
Meleeyoer Je<e& (2007-2008),
er.heer.-1, SHe.heer. 549/1, peerF&yeer kee@ueesveer kes heeme,
Deesu[ heeoje jes[, Dekeese, Je[esoje 390 020
hetje veece (mhe De#ejeW ceW)

MesejeW keer mebKee
Heesefueees meb.
(Yeewefleke he ceW nesefu[bie nsleg)
[erheer DeeF&[er / ieenke DeeF&.[er.mebKee

(Fueskeê@efveke he ceW MesejOeejkeeW kes efueS)
GHeefmLele MesejOeejke/ Hee@kemeer /

HeefleefveefOe kes nmlee#ej
efhheCeer :
1. yew"ke ceW Yeeie uesves kes Fgke meome/hee@kemeer Oeejke yew"ke ceW GheeqmLeefle heeea DeJeMe meeLe ueeS leLee Fmes efJeefOeJele he ceW Yejkej SJeb nmlee#ej kej
heJesMe ej hej meeQhe oW.
2. yew"ke ceW Yeeie uesves kes Fgke meome / hee@kemeerOeejke yew"ke ceW meboYe& Deeefo kes efueS Jeee|<eke efjhees& keer Deheveer heefle meeLe ueskej DeeSb.
HeJesMe He$e
(yew"ke keer mecemle keee&Jeener kes oewjeve DeHeves Heeme jKeW)

Heesefueees meb.
(Yeewefleke he ceW MesejOeejkeeW kes efueS)
[erheer DeeF&[er / ieenke DeeF&.[er.

(Fueskeê@efveke he ceW MesejOeejkeeW kes efueS)
hetje veece (mhe De#ejeW ceW)

MesejeW keer mebKee
efhheCeer :
1. MesejOeejkeeW/Hee@kemeer DeLeJee MesejOeejkeeW kes HeefleefveefOe mes DevegjesOe nw efke Jes yew"ke mLeue hej HeJesMe HeeHle kejves kes efueS yeQke/DeejerS ceW Hebpeerke=le
vecetvee nmlee#ej kes Deveghe eLeeefJeefOe nmlee#eefjle Gkele GHeefmLeefle Heeea Deewj HeJesMeHe$e Ske meeLe Hemlegle kejW.
2. heJesMe, meleeheve /peebe, pewmee DeeJeMeke mecePee peeSiee, kes DeOeerve nesiee.
3. efkemeer Yeer HeefjefmLeefle ceW, yew"ke kes HeJesMeej Hej keesF& [gHueerkes GHeefmLeefle Heeea peejer veneR keer peeSieer.
ATTENDANCE SLIP
17th Annual General Meeting
Date
Wednesday, 26th June 2013
Place
Sir Sayajirao Nagargriha, Vadodara Mahanagar Seva Sadan,

Bank of Baroda Centenary Year (2007-2008)
T.P.-1,F.P. 549/1, Near GEB Colony,
Old Padra Road, Akota, Vadodara 390 020
Full Name (In Bock Letters)

No of Shares
Folio No. (for holding in physical form)
DP ID / Client ID No.
(for holding in electronic form)
Signature of the Shareholder /

Proxy / Representative present
Notes:
1.
2.
Member / proxy holder wishing to attend the meeting must bring the attendance slip to the meeting and hand it over
at the entrance duly filled-in and signed.
Member / proxy holder wishing to attend the meeting should bring his/her copy of the Annual Report for reference at
the meeting.
ENTRY PASS
(To be retained throughout the meeting)
Folio No.
(for holding in physical form)
DP ID / Client ID No.
(for holding in electronic form)
No. of Shares
Notes:
1.
2.
3.
Shareholders / proxy or representative of shareholders are requested to produce the above attendance slip, duly filled
in and signed in accordance with their specimen signatures registered with the Bank/RTA, along with the entry pass,
for admission to the venue.
The admission will, however, be subject to verification / checks, as may be deemed necessary.
Under no circumstances, any duplicate attendance slip will be issued at the entrance to the meeting.
Full Name (In Bock Letters)
Fueskeê@efveke meceeMeesOeve mesJee (pecee meceeMeesOeve)

FefkeJeer MesejeW hej ueeYeebMe kes Yegieleeve kes efueS F&meerSme DeefOeosMe
1.
eLece MesejOeejke kee veece (mhe De#ejeW ceW)
2.
helee :
3.
MesejOeejke keer Heesefueees mebKee (Yeewefleke he ces MesejOeejkeeW kes efueS)
[er. heer. DeeF&[er / eenke DeeF&[er mebKee (Fueskeê@efveke MesejOeejkeeW kes efueS)
yeQke Keeles kee efJeJejCe
ke.
yeQke kee veece
Ke.
MeeKee kee veece SJeb Menj kee efheve kees[
ie.
Keelee mebKee (pewmee efke eske yegke ceW efoee ieee nw)
Ie.
Keelee hekeej (ke=heee efke kejW)

(yeele yeQke Keelee/eeuet Keelee ee vekeo-GOeej Keelee)
[.
yeQke Keeles keer uespej Heesefueees mebKee

(eefo eske yegke hej Debefkele efkeee pee jne nes)
e.
yeQke eje peejer ceeFkej eske ceW cegefle

yeQke Deewj MeeKee keer 9 Debkeere kees[ meb.
:
:
4.
5.
yeele yeQke
eeuet
vekeo GOeej
ke=heee heneeve kes eceeCe mJehe Deheves hewve kee[& keer mJeeb eje
meleeefhele Heeses eefle leLee kees[ mebKee keer melelee keer peebe kes efueS
Deheves Gheeg&e Keeles mes mebyebefOele, Deehekes yeQke eje peejer eske kes hevves keer
Heeses keeheer / keesje j efkeee ieee eske mebueive kejW
Iees<eCee
ceQ Sleodeje en Ieesef<ele kejlee/leer ntb efke Gheeg&e efJeJejCe mener Je hetCe& nQ. eefo DehetCe& peevekeejer kes keejCeeW mes uesveosve ceW osjer nesleer nw ee en eYeeJeer veneR neslee nw lees
ceQ yeQke Dee@]He ye[ewoe kees efpeccesoej veneR "njeTbiee/ieer.
mLeeve :
efoveebke :
eLece Oeejke kes nmlee#ej
efhheCeer :
1.
eefo Mesej Fueskeê@efveke he ceW jKes ieS nQ : ke=heee Heece& hetCe&leee Yej kej Fme hej nmlee#ej kejW leLee Fmes Deeleve kejves nsleg Dehesef#ele omleeJespeeW meefnle Deheves
heefleYeeieer ef[hee@efpejer kees hemlegle kejW.
2.
eefo Mesej Yeewefleke he ceW jKes ieS nQ : ke=heee Heece& hetCe&leee Yej kej Fme hej nmlee#ej kejW leLee Fmes Dehesef#ele omleeJespeeW meefnle jefpemêj SJeb êbmeHej SpeW
(DeejerS) DeLee&le cewmeme& keeJeea kebhetjMesej hee. efue., huee@ veb. 17-24, efJeuejeJe veiej, ceeOeehegj, nwojeyeeo- 500 081 DeLeJee yeQke Dee@]He ye[ewoe, efveJesMeke mesJeeSb
efJeYeeie, leermeje leue, ye[ewoe keeheexjs meWj, meer-26 peer yuee@ke, yeebe keguee& keecheueskeme, yeebe (hetJe&), cegbyeF&- 400 051 kes heles hej Yespe oW.
BANK OF BARODA
1.
First Shareholders Name (in Block Letters)
2.
Address
3.
Shareholders Folio number (for holding in physical form)
Electronic Clearing Service (Credit Clearing)

ECS Mandate for Payment of Dividend on Equity Shares
D. P. ID / Client ID number (for holding in electronic form) :

4.
Particulars of Bank Account

A.
Bank Name
B.
Branch Name & City Pin Code
C.
Account No.
:
:
(as appearing on the cheque book)

D.
Account Type (please Tick) :

(SB Account / Current A/c. or Cash Credit A/c)
E.
SB
Current
Cash Credit
Ledger Folio number of Bank Account

(if appearing on the cheque book)
F.
:
:
9 Digit Code No. of the Bank &

Branch appearing on the MICR
Cheque issued by the Bank
5.
Please attach a self-attested photocopy of your PANCARD as Proof of Identity alongwith a photocopy of a Cheque leaf
/ blank cancelled cheque issued by your Bank relating to your above account for verifying the accuracy of the Code
numbers.
DECLARATION
I, hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for
reasons of incomplete information, I would not hold Bank of Baroda responsible.
Date:
Signature of the First Holder
Note:
1.
if the shares are held in electronic mode: Please complete the form, sign and submit alongwith the required documents
to your Depository Participant for necessary updation.
2.
if the shares are held in physical mode: Please complete the form, sign and mail alongwith the required documents at
the address of Registrar and Transfer Agent (RTA), i.e. M/s Karvy Computershare Pvt. Ltd, Plot No. 17-24, Vithalrao Nagar,
Madhapur, Hyderabad - 500 081 OR at Bank of Baroda, Investors Services Dept. 3rd Floor, Baroda Corporate Centre,
C-26, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.
Place:
efhheCeer / nOTES
2012-13
efhheCeer / nOTES
hegjmkeej SJeb mecceeve / Awards and Accolades
`SHeF& yesm yeQke DeJee[& 2011-12.

'FE Best Banks Award 2011-12'
ceeveveere je^heefle eer heCeye cegKepeea eje Fbefoje ieebOeer jepeYee<ee Meeru[ heefleeesefielee ceW heLece hegjmkeej
'First Prize in Indira Gandhi Rajbhasha Shield Competition
from Hon'ble President of India, Shri Pranab Mukherjee
eterJeer HeeFveWefmeeue ueer[jefMee DeJee[& kes otmejs S[erMeve ceW `yesm heerSmeet yeQke' DeJee[&
'Best PSU Bank' in the 2nd edition of Bloomberg UTV Financial Leadership Awards
efyepevesme FeqC[ee cewipeerve eje Je<e& 2012 kes efueS yesm yeQke DeJee[&
Best Bank Award for the year 2012 by Business India magazine.
yesm heeqyueke meskej yeQke DeJee[&

[ve SC[ yee@[mêr heesueeefjme efJeeere heeweesefiekeer yeQeEkeie DeJee[& -2012.
Best Public Sector Bank Award
Dun & Bradstreet Polaris Financial Technology Banking Awards 2012.
efnleOeejke kees ueeYeebMe / Dividend to Stakeholder
efJeeere Je<e& 2011-12 kes efueS Yeejle mejkeej kees ueeYeebMe kee Yegieleeve
Payment of Dividend to Govt. of India for Finacial Year 2011-12

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Left to Right - Shri Vinil Kumar Saxena, Shri Sudhir Kumar Jain Executive Director, Shri Sudarshan Sen,

, Shri P. Srinivas -Executive Director,

efveosMeke ceb[ue / Board of Directors

Jeeef<e&ke efjhees& Annual Report

ceneeyebOeke / General Managers

jepet iegHlee- cegKe meleke&lee DeefOekeejer

RAJU GUPTA - CHIEF VIGILANCE OFFICER

DR.(SMT.) RUPA NITSURE - CHIEF ECONOMIST

Jeeef<e&ke efjhees& Annual Report

uesKee hejer#eke / Auditors

ke=les yeeee SC[ keb.

For Laxminiwas Neeth & Co.

For Brahmayya & Co.

For Ray & Ray

ke=les Sme kes. efceeue SC[ keb.

ke=les Sve.yeer.Sme. SC[ keb.

ke=les kesSSmepeer SC[ keb.

For S. K. Mittal & Co.

For N. B. S. & Co.

For KASG & Co

Baroda House, Mandvi, Vadodara 390 006.

ye[ewoe keeHeexjs mesvj

Baroda Corporate Centre

meer-26, peer-yuee@ke, yeeve-keguee& kee@cHeueskeme, yeeve (Het.), cegbyeF& 400 051.

C-26, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai

efveJesMeke mesJeeSb efJeYeeie

Investor Services Department

le=leere leue, ye[ewoe keeheexjs meWj, meer-26, peer-yuee@ke, yeebe-keguee& kee@chueskeme,

jefpem^ej SJeb DevlejCe SpeW

Registrars & Transfer Agent

M/s. Karvy Computershare Pvt. Ltd. Plot No. 17-24,

Jeeef<e&ke efjhees& Annual Report

efJe<ee meteer / Contents

efveosMekeeW keer efjhees&

keeheexjs ieJeveXme efjhees&

Report on Corporate Governance

JeJemeee oeefelJe efjhees&

Business Responsibility Report

nefjle Henue - Mesej OeejkeeW mes DeHeerue

Green Initiative-Appeal to Shareholders

yeemesue II efheuej 3 ekeerkejCe

Basel II Pillar 3 disclosures

cenlJehetCe& efJeeere meteke

Key Financial Indicators

Profit & Loss Account

Statement of Cash Flow

uesKee hejer#ekeeW keer efjhees&

mecesefkele efJeeere efJeJejefCeeeb

Consolidated Financial Statements

meer F& Dees / meer SHe Dees eceeCeerkejCe

CEO / CFO Certification

ee@kemeer Heece& / GheefmLeefle heeea / F&meerSme

Proxy Form / Attendance Slip / ECS

Jeeef<e&ke efjhees& Annual Report

egveewleerhetCe& oewj ceW

DeOe#e SJeb eyevOe efveosMeke

Jeeef<e&ke efjhees& Annual Report

Jeeef<e&ke efjhees& Annual Report

Jeeef<e&ke efjhees& Annual Report

Jeeef<e&ke efjhees& Annual Report

Deehekes yeQke kee Jewefeke JeJemeee 19.3% (Je<e&-oj-Je<e&) keer Je=ef

Ghejese egveewefleeeW kes yeeJepeto Deehekes yeQke keer keemee peceejeefMeeeW

31 ceee&, 2013 kees Iejsuet keemee 30.38% jns.