¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸

Basel III Pillar III Disclosures

¢™›¸¸¿ˆÅ 31.03.2016 ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ›¸¡¸½ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ü½ÅŸ¸¨¸ˆÄÅ (¤¸¸¬¸½¥¸ III) ˆ½Å ¢œ¸¥¸£ 3 ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏˆÅ’úˆÅ£µ¸
(¬¸Ÿ¸½¢ˆÅ÷¸ ‚¸š¸¸£ œ¸£)
Disclosures (on consolidated basis) under Pillar 3 in terms of New Capital Adequacy
Framework (Basel III) of Reserve Bank of India as on 31.03.2016
”ú‡ûÅ 1À‚›¸ºœÏ¡¸¸½Š¸ ˆÅ¸ ®¸½°¸ ‡¨¸¿ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ DF 1. Scope of application and Capital Adequacy
œÏˆÅ’úˆÅ£µ¸ ˆÅ¸ ü½ÅŸ¸¨¸ˆÄÅ ¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ œ¸£ ¬¸Ÿ¸½¢ˆÅ÷¸ ‚¸š¸¸£ œ¸£ ¥¸¸Š¸» The framework of disclosures applies to Bank of Baroda, on
í¸½÷¸¸ í¾, ¸¸½ ¢ˆÅ ¬¸Ÿ¸»í Ÿ¸Ê ¬¸¨¸¸½Ä¸ ¤¸ÿˆÅ í¾. consolidated basis, which is the top bank in the group

(i) Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’úˆÅ£µ¸ (i) Qualitative Disclosures:

ƒˆÅ¸ƒÄ ˆÅ¸ ›¸¸Ÿ¸/ ¢›¸Š¸¢Ÿ¸÷¸ ™½©¸ Æ¡¸¸ ƒˆÅ¸ƒÄ ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú œ¸Ö¢÷¸ Æ¡¸¸ ƒˆÅ¸ƒÄ ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú œ¸Ö¢÷¸ ˆÅ¸ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú ¡¸¢™ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å
Name of the entity / ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ˆÅ¸ ¨¸µ¸Ä›¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢›¸¡¸¸Ÿ¸ˆÅ ¨¸µ¸Ä›¸ œ¸Ö¢÷¸ Ÿ¸Ê ‚¿÷¸£ ˆ½Å¨¸¥¸ ‡ˆÅ íú ®¸½°¸
Country of incorporation
¥¸½‰¸¸¿ˆÅ›¸ ®¸½°¸ ˆ½Å Explain the ®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Explain the method of ˆ½Å ¢¥¸‡ ˆÅ¸£µ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸
method of
‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ consolidation ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ consolidation ˆÅ¸ ¨¸µ¸Ä›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸¸½
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ (í¸¿/›¸íú¿) Explain the ˆÅ¸£µ¸¸Ê ˆÅ¸ ¨¸µ¸Ä›¸
reasons for
(í¸¿/›¸íú¿) Whether the entity difference Explain the
Whether is included under in the reasons if
the entity is method of
included under regulatory scope of consolidation
consolidated
accounting consolidation (yes under only one
scope of
consolidation
/ no) of the scopes of
(Yes/No) consolidation
›¸¾›¸ú÷¸¸¥¸ ¤¸ÿˆÅ ¢¥¸./ ž¸¸£÷¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
The Nainital Bank Ltd. / Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
India
Line By Line Basis
¤¸¸Á¤¸ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄÅ’ ¢¥¸. / ž¸¸£÷¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
BOB Capital Markets Ltd Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
/India
Line By Line Basis
¤¸¸Á¤¸ˆÅ¸”Ĭ¸ ¢¥¸. / ž¸¸£÷¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
BOB Cards Ltd. / India Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA

Line By Line Basis

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¤¸¸½÷¬¨¸¸›¸¸) í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
¢¥¸./ ¤¸¸½÷¬¨¸¸›¸¸ Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda Line By Line Basis
(Botswana) Ltd./
Botswana
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (ˆ½Å›¡¸¸) ¢¥¸./ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
ˆ½Å›¡¸¸ Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda (Kenya) Line By Line Basis
Ltd. / Kenya
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¡¸»Š¸¸¿”¸) ¢¥¸./ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
¡¸»Š¸¸¿”¸ Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda (Uganda) Line By Line Basis
Ltd. / Uganda
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (Š¸¡¸¸›¸¸) ¢¥¸./ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
Š¸¡¸¸›¸¸ Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda (Guyana) Line By Line Basis
Inc. /Guyana
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (÷¸¿{¸¸¢›¸¡¸¸) í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
¢¥¸./ ÷¸¿{¸¸¢›¸¡¸¸ Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda (Tanzania) Line By Line Basis
Ltd. /Tanzania

1
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

ƒˆÅ¸ƒÄ ˆÅ¸ ›¸¸Ÿ¸/ ¢›¸Š¸¢Ÿ¸÷¸ ™½©¸ Æ¡¸¸ ƒˆÅ¸ƒÄ ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú œ¸Ö¢÷¸ Æ¡¸¸ ƒˆÅ¸ƒÄ ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú œ¸Ö¢÷¸ ˆÅ¸ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú ¡¸¢™ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å
Name of the entity / ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ˆÅ¸ ¨¸µ¸Ä›¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢›¸¡¸¸Ÿ¸ˆÅ ¨¸µ¸Ä›¸ œ¸Ö¢÷¸ Ÿ¸Ê ‚¿÷¸£ ˆ½Å¨¸¥¸ ‡ˆÅ íú ®¸½°¸
Country of incorporation
¥¸½‰¸¸¿ˆÅ›¸ ®¸½°¸ ˆ½Å Explain the ®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Explain the method of ˆ½Å ¢¥¸‡ ˆÅ¸£µ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸
method of
‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ consolidation ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ consolidation ˆÅ¸ ¨¸µ¸Ä›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸¸½
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ (í¸¿/›¸íú¿) Explain the ˆÅ¸£µ¸¸Ê ˆÅ¸ ¨¸µ¸Ä›¸
reasons for
(í¸¿/›¸íú¿) Whether the entity difference Explain the
Whether is included under in the reasons if
the entity is method of
included under regulatory scope of consolidation
consolidated
accounting consolidation (yes under only one
scope of
consolidation
/ no) of the scopes of
(Yes/No) consolidation
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ ¢°¸¢›¸™¸™ ‡µ” í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
’¸½¤¸½Š¸¸½ ¢¥¸./ ¢°¸¢›¸™¸™ ‡µ” Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA

’¸½¤¸½Š¸¸½ Line By Line Basis

Bank of Baroda Trinidad
&Tobago Ltd. / Trinidad
&Tobago
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (‹¸¸›¸¸) ¢¥¸./ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
‹¸¸›¸¸ Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda (Ghana) Line By Line Basis
Ltd. /Ghana
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (›¡¸»¸ú¥¸ÿ”) í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
¢¥¸./ ›¡¸»¸ú¥¸ÿ” Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
Bank of Baroda (New Line By Line Basis
Zealand) Ltd. /New
Zealand
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¡¸».ˆ½Å) ¢¥¸./ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ í¸¿ ¥¸¸ƒ›¸ ™£ ¥¸¸ƒ›¸ ‚¸š¸¸£ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
¡¸».ˆ½Å. Yes ‚¸š¸¸£ Yes Line By Line Basis NA NA
BOB (UK) Ltd. / UK Line By Line Basis
ƒ¿¢”¡¸¸ûŬ’Ä ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ í¸¿ ‚›¸ºœ¸¸÷¸ú ¬¸Ÿ¸½ˆÅ›¸ ›¸íú¿ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú ¬¸½ ¢›¸¨¸½©¸ ¢ˆÅ¬¸ú ¤¸úŸ¸¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸
ˆ¿Åœ¸›¸ú ¢¥¸. / ž¸¸£÷¸ Yes œ¸Ö¢÷¸ No ˆÅú Š¸ƒÄ ‚¸¢¬÷¸ ˆÅŸ¸ ˆÅ£ ˆ¿Åœ¸›¸ú œ¸£ ¥¸¸Š¸» ¢›¸™½Ä©¸
India First Life Insurance Proportionate ™ú Š¸ƒÄ í¾ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ Regulatory
Company Ltd. / India Consolidaton The investment asset guidelines
Method ¢›¸™½Ä©¸
is deducted from Regulatory
regulatory capital guidelines
applied to
an insurance
entity
ƒ¿¢”¡¸¸ ƒ¿’£›¸½©¸›¸¥¸ ¤¸ÿˆÅ í¸¿ ‚›¸ºœ¸¸÷¸ú ¬¸Ÿ¸½ˆÅ›¸ í¸¿ ‚›¸ºœ¸¸÷¸ú ¬¸Ÿ¸½ˆÅ›¸ œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
(Ÿ¸¥¸½¢©¸¡¸¸) ¤¸ú‡¸”ú/ Ÿ¸¥¸½¢©¸¡¸¸ Yes œ¸Ö¢÷¸ Yes Proportionate NA NA
India International Bank Proportionate Consolidaton Method
(Malaysia) Bhd. / Malaysia Consolidaton
Method
ƒ¿¢”¡¸¸ ƒ¿üŸ”½¤’ ¢¥¸. / ž¸¸£÷¸ í¸¿ ‚›¸ºœ¸¸÷¸ú ¬¸Ÿ¸½ˆÅ›¸ í¸¿ ‚›¸ºœ¸¸÷¸ú ¬¸Ÿ¸½ˆÅ›¸ œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
India Infradebt Ltd. / India Yes œ¸Ö¢÷¸ Yes Proportionate NA NA
Proportionate Consolidaton Method
Consolidaton
Method
ƒ¿”¸Ê {¸¸¿¢¤¸¡¸¸ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” / í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
{¸¸¿¢¤¸¡¸¸ Yes Equity Method Yes Equity Method NA NA
Indo Zambia Bank Limited
/ Zambia
¤¸”õ¸¾™¸ œ¸¸¡¸¸½¢›¸¡¸£ ‡¬¸½’ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸./ž¸¸£÷¸ Yes Equity Method Yes Equity Method NA NA
Baroda Pioneer Asset
Management Co. Ltd. /
India

2
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

ƒˆÅ¸ƒÄ ˆÅ¸ ›¸¸Ÿ¸/ ¢›¸Š¸¢Ÿ¸÷¸ ™½©¸ Æ¡¸¸ ƒˆÅ¸ƒÄ ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú œ¸Ö¢÷¸ Æ¡¸¸ ƒˆÅ¸ƒÄ ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú œ¸Ö¢÷¸ ˆÅ¸ ¬¸Ÿ¸½ˆÅ›¸ ˆÅú ¡¸¢™ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å
Name of the entity / ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ˆÅ¸ ¨¸µ¸Ä›¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢›¸¡¸¸Ÿ¸ˆÅ ¨¸µ¸Ä›¸ œ¸Ö¢÷¸ Ÿ¸Ê ‚¿÷¸£ ˆ½Å¨¸¥¸ ‡ˆÅ íú ®¸½°¸
Country of incorporation
¥¸½‰¸¸¿ˆÅ›¸ ®¸½°¸ ˆ½Å Explain the ®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Explain the method of ˆ½Å ¢¥¸‡ ˆÅ¸£µ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸
method of
‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ consolidation ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ consolidation ˆÅ¸ ¨¸µ¸Ä›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸¸½
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ (í¸¿/›¸íú¿) Explain the ˆÅ¸£µ¸¸Ê ˆÅ¸ ¨¸µ¸Ä›¸
reasons for
(í¸¿/›¸íú¿) Whether the entity difference Explain the
Whether is included under in the reasons if
the entity is method of
included under regulatory scope of consolidation
consolidated
accounting consolidation (yes under only one
scope of
consolidation
/ no) of the scopes of
(Yes/No) consolidation
¤¸”õ¸¾™¸ œ¸¸¡¸¸½¢›¸¡¸£ ’﬒ú ˆ¿Åœ¸›¸ú í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
œÏ¸. ¢¥¸./ ž¸¸£÷¸ Yes Equity Method Yes Equity Method NA NA
Baroda Pioneer Trustee
Co. Pvt Ltd / India
¤¸”õ¸¾™¸ „ œÏ™½©¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ/ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
ž¸¸£÷¸ Yes Equity Method Yes Equity Method NA NA
Baroda Uttar Pradesh
Gramin Bank / India
¤¸”õ¸¾™¸ £¸¸¬˜¸¸›¸ ®¸½°¸ú¡¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ/ ž¸¸£÷¸ Baroda Yes Equity Method Yes Equity Method NA NA
Rajasthan Kshetriya
Gramin Bank / India
¤¸”õ¸¾™¸ Š¸º¸£¸÷¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ/ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ í¸¿ ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
ž¸¸£÷¸ Yes Equity Method Yes Equity Method NA NA
Baroda Gujarat Gramin
Bank / India
ˆÅ. ¬¸Ÿ¸»í ˆÅú ‡½¬¸ú ƒˆÅ¸ƒ¡¸¸Ê ˆÅú ¬¸»¸ú ¢¸›íÊ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢¥¸‡ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾À a. List of group entities considered for consolidation:

›¸¾›¸ú÷¸¸¥¸ ¤¸ÿˆÅ ¢¥¸. The Nainital Bank Ltd.

¤¸¸Á¤¸ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄÅ’ ¢¥¸. BOB Capital Markets Ltd
¤¸¸Á¤¸ˆÅ¸”Ĭ¸ ¢¥¸. BOB Cards Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¤¸¸½÷¬¨¸¸›¸¸) ¢¥¸. Bank of Baroda (Botswana) Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (ˆ½Å›¡¸¸) ¢¥¸. Bank of Baroda (Kenya) Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¡¸»Š¸¸¿”¸) ¢¥¸. Bank of Baroda (Uganda) Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (Š¸¡¸¸›¸¸) ¢¥¸. Bank of Baroda (Guyana) Inc.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (÷¸¿¸¸¢›¸¡¸¸) ¢¥¸. Bank of Baroda (Tanzania) Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ ¢°¸¢›¸™¸™ ‡µ” ’¸½¤¸½Š¸¸½ ¢¥¸. Bank of Baroda Trinidad &Tobago Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (‹¸¸›¸¸) ¢¥¸. Bank of Baroda (Ghana) Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (›¡¸»¸ú¥¸ÿ”) ¢¥¸. Bank of Baroda (New Zealand) Ltd.
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¡¸».ˆ½Å.) ¢¥¸. BOB (UK) Ltd.
ƒ¿¢”¡¸¸ ƒ¿’£›¸½©¸›¸¥¸ ¤¸ÿˆÅ (Ÿ¸¥¸½¢©¸¡¸¸) ¤¸ú‡¸”ú India International Bank (Malaysia) Bhd.
ƒ¿¢”¡¸¸ ƒ¿üŸ”½’ ¢¥¸. India Infradebt Ltd.
ƒ¿”¸Ê {¸¸¿¢¤¸¡¸¸ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” Indo Zambia Bank Limited
¤¸”õ¸¾™¸ œ¸¸¡¸¸½¢›¸¡¸£ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸. Baroda Pioneer Asset Management Co. Ltd.
¤¸”õ¸¾™¸ œ¸¸¡¸¸½¢›¸¡¸£ ’﬒ú ˆ¿Åœ¸›¸ú œÏ¸. ¢¥¸. Baroda Pioneer Trustee Co. Pvt Ltd
¤¸”õ¸¾™¸ „ œÏ™½©¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ Baroda Uttar Pradesh Gramin Bank
¤¸”õ¸¾™¸ £¸¸¬˜¸¸›¸ ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ Baroda Rajasthan Kshetriya Gramin Bank
¤¸”õ¸¾™¸ Š¸º¸£¸÷¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ Baroda Gujarat Gramin Bank

3
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

‰¸. ¬¸Ÿ¸»í ˆÅú ‡½¬¸ú ƒˆÅ¸ƒ¡¸¸Ê ˆÅú ¬¸»¸ú ¢¸›íÊ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ÷¸˜¸¸ b. List of group entities not considered for consolidation
¥¸½‰¸¸¿ˆÅ›¸ ™¸½›¸¸Ê ®¸½°¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢¥¸‡ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ both under the accounting and regulatory scope of
Š¸¡¸¸ í¾ À consolidation:

ƒˆÅ¸ƒÄ ˆÅ¸ ›¸¸Ÿ¸/
¢›¸Š¸¢Ÿ¸÷¸ ™½©¸
Name of the
entity / country of
incorporation
ƒˆÅ¸ƒÄ ˆÅ¸ œÏŸ¸º‰¸ ˆÅ¸¡¸Ä
Principle activity of
the entity
ˆºÅ¥¸ ÷¸º¥¸›¸œ¸°¸ ƒ¦Æ¨¸’ú ˆºÅ¥¸ ƒ¦Æ¨¸’ú Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ƒˆÅ¸ƒÄ ˆ½Å œ¸»¿¸ú ¢¥¸‰¸÷¸¸Ê ˆºÅ¥¸ ÷¸º¥¸›¸ œ¸°¸
(¸¾¬¸¸ ¢ˆÅ ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ©¸½¡¸£ ˆÅ¸ (%) Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¢›¸¨¸½©¸ ˆÅ¸ ‚¸¦¬÷¸¡¸¸¿ (¸¾¬¸¸ ¢ˆÅ
ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸ ÷¸º¥¸›¸ œ¸°¸ % of bank’s holding ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¤¸¿š¸ ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å
Ÿ¸Ê ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾) in the total equity Regulatory ¥¸½‰¸¸¿ˆÅ›¸ ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê
treatment of bank’s ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾)
Total balance sheet
equity (as stated investments in the Total balance sheet
in the accounting capital instruments assets (as stated
balance sheet of of the entity in the accounting
the legal entity) balance sheet of
the legal entity)

©¸»›¡¸ / NIL
(ii) Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’úˆÅ£µ¸ (ii) Quantitative Disclosures:
Š¸. ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢¥¸‡ ©¸¸¢Ÿ¸¥¸ ˆÅú Š¸ƒÄ ¬¸Ÿ¸»í ˆÅú ƒˆÅ¸ƒ¡¸¸Ê ˆÅú ¬¸»¸úÀ c. List of group entities considered for consolidation:

(£¸¢©¸ ¥¸¸‰¸¸½¿ Ÿ¸½¿ / Amt in Lks)

ƒˆÅ¸ƒÄ ˆÅ¸ ›¸¸Ÿ¸ / ¢›¸Š¸¢Ÿ¸÷¸ ™½©¸ (¸¾¬¸¸ ¢ˆÅ ƒˆÅ¸ƒÄ ˆÅ¸ œÏŸ¸º‰¸ ˆÅ¸¡¸Ä ˆºÅ¥¸ ÷¸º¥¸›¸œ¸°¸ ƒ¦Æ¨¸’ú (¸¾¬¸¸ ¢ˆÅ ˆºÅ¥¸ ÷¸º¥¸›¸ œ¸°¸ ‚¸¦¬÷¸¡¸¸¿ (¸¾¬¸¸
„œ¸£¸½Æ÷¸ (i) ˆÅ Ÿ¸Ê ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾) Principle activity of the entity ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸ ÷¸º¥¸›¸ ¢ˆÅ ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸
Name of the entity / country of œ¸°¸ Ÿ¸Ê ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾) ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾)
incorporation (as indicated in (i)a. Total balance sheet equity Total balance sheet assets
above) (as stated in the accounting (as stated in the accounting
balance sheet of the legal balance sheet of the legal
entity) entity)

›¸¾›¸ú÷¸¸¥¸ ¤¸ÿˆÅ ¢¥¸./ ž¸¸£÷¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 53084.05 608439.48

The Nainital Bank Ltd. / India Banking

¤¸¸Á¤¸ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄÅ’ ¢¥¸. / ž¸¸£÷¸ Š¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ 16037.40 16166.02

BOB Capital Markets Ltd /India Non Banking

¤¸¸Á¤¸ˆÅ¸”Ĭ¸ ¢¥¸. / ž¸¸£÷¸ Š¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ 22281.14 26385.29

BOB Cards Ltd. / India Non Banking

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¤¸¸½÷¬¨¸¸›¸¸) ¢¥¸./ ¤¸¸½÷¬¨¸¸›¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 11384.19 98499.48

Bank of Baroda (Botswana) Ltd./ Banking
Botswana

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (ˆ½Å›¡¸¸) ¢¥¸./ ˆ½Å›¡¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 72891.77 440836.03

Bank of Baroda (Kenya) Ltd. / Kenya Banking

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¡¸»Š¸¸¿”¸) ¢¥¸./ ¡¸»Š¸¸¿”¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 44578.94 236985.22

Bank of Baroda (Uganda) Ltd. / Banking
Uganda

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (Š¸¡¸¸›¸¸) ¢¥¸./ Š¸¡¸¸›¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 8112.81 55150.63

Bank of Baroda (Guyana) Inc. /Guyana Banking

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (÷¸¿¸¸¢›¸¡¸¸) ¢¥¸./ ÷¸¿¸¸¢›¸¡¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 9865.32 58639.90

Bank of Baroda (Tanzania) Ltd. / Banking
Tanzania

4
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

ƒˆÅ¸ƒÄ ˆÅ¸ ›¸¸Ÿ¸ / ¢›¸Š¸¢Ÿ¸÷¸ ™½©¸ (¸¾¬¸¸ ¢ˆÅ ƒˆÅ¸ƒÄ ˆÅ¸ œÏŸ¸º‰¸ ˆÅ¸¡¸Ä ˆºÅ¥¸ ÷¸º¥¸›¸œ¸°¸ ƒ¦Æ¨¸’ú (¸¾¬¸¸ ¢ˆÅ ˆºÅ¥¸ ÷¸º¥¸›¸ œ¸°¸ ‚¸¦¬÷¸¡¸¸¿ (¸¾¬¸¸
„œ¸£¸½Æ÷¸ (i) ˆÅ Ÿ¸Ê ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾) Principle activity of the entity ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸ ÷¸º¥¸›¸ ¢ˆÅ ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸
Name of the entity / country of œ¸°¸ Ÿ¸Ê ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾) ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾)
incorporation (as indicated in (i)a. Total balance sheet equity Total balance sheet assets
above) (as stated in the accounting (as stated in the accounting
balance sheet of the legal balance sheet of the legal
entity) entity)

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ ¢°¸¢›¸™¸™ ‡µ” ’¸½¤¸½Š¸¸½ ¢¥¸./ ¤¸ÿ¢ˆ¿ÅŠ¸ 4726.13 48634.06
¢°¸¢›¸™¸™ ‡µ” ’¸½¤¸½Š¸¸½ Banking
Bank of Baroda Trinidad &Tobago Ltd.
/ Trinidad &Tobago

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (‹¸¸›¸¸) ¢¥¸./ ‹¸¸›¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 20617.64 47095.61

Bank of Baroda (Ghana) Ltd. /Ghana Banking

¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (›¡¸»¸ú¥¸ÿ”) ¢¥¸./ ›¡¸»¸ú¥¸ÿ” ¤¸ÿ¢ˆ¿ÅŠ¸ 20769.65 42219.60

Bank of Baroda (New Zealand) Ltd. / Banking
New Zealand

¤¸¸Á¤¸ (¡¸».ˆ½Å) ¢¥¸./ ¡¸».ˆ½Å. Š¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ 10.93 10.93

BOB (UK) Ltd. / UK Non Banking

ƒ¿¢”¡¸¸ ƒ¿’£›¸½©¸›¸¥¸ ¤¸ÿˆÅ (Ÿ¸¥¸½¢©¸¡¸¸) ¤¸ú‡¸”ú/ ¤¸ÿ¢ˆ¿ÅŠ¸ 49367.79 71541.34

Ÿ¸¥¸½¢©¸¡¸¸ Banking
India International Bank (Malaysia)
Bhd. / Malaysia

ƒ¿¢”¡¸¸ ƒ¿üŸ”½’ ¢¥¸. / ž¸¸£÷¸ Š¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ 38744.53 262244.40

India Infradebt Ltd. / India Non Banking

ƒ¿”¸Ê {¸¸¿¢¤¸¡¸¸ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” / {¸¸¿¢¤¸¡¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 39081.26 168510.92

Indo Zambia Bank Limited / Zambia Banking

¤¸”õ¸¾™¸ œ¸¸¡¸¸½¢›¸¡¸£ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸./ Š¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ 4850.27 6049.16
ž¸¸£÷¸ Non Banking
Baroda Pioneer Asset Management
Co. Ltd. / India

¤¸”õ¸¾™¸ œ¸¸¡¸¸½¢›¸¡¸£ ’﬒ú ˆ¿Åœ¸›¸ú œÏ¸. ¢¥¸./ ž¸¸£÷¸ Š¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ 7.11 10.11
Baroda Pioneer Trustee Co. Pvt Ltd / Non Banking
India

¤¸”õ¸¾™¸ „ œÏ™½©¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ/ ž¸¸£÷¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 107460.36 1733508.15

Baroda Uttar Pradesh Gramin Bank / Banking
India

¤¸”õ¸¾™¸ £¸¸¬˜¸¸›¸ ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ/ ž¸¸£÷¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 81765.23 1229410.42

Baroda Rajasthan Kshetriya Gramin Banking
Bank / India

¤¸”õ¸¾™¸ Š¸º¸£¸÷¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ/ ž¸¸£÷¸ ¤¸ÿ¢ˆ¿ÅŠ¸ 14401.46 322379.16

Baroda Gujarat Gramin Bank / India Banking

5
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

‹¸. „›¸ ¬¸ž¸ú ‚›¸º«¸¿¢Š¸¡¸¸Ê Ÿ¸Ê œ¸»¿¸úŠ¸÷¸ ¢¨¸¬¸¿Š¸¢÷¸¡¸¸Ê ˆÅú ˆºÅ¥¸ £¸¢©¸ ¸¸½ d. The aggregate amount of capital deficiencies in all
¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ˆÅú Š¸ƒÄ íÿ ‚˜¸¸Ä÷¸ subsidiaries which are not included in the regulatory
scope of consolidation i.e. that are deducted:
¸¸½ ‹¸’¸ ™ú Š¸ƒÄ í¾ À
ƒˆÅ¸ƒ¡¸¸Ê ˆÅ¸ ›¸¸Ÿ¸/ ¢›¸Š¸¢Ÿ¸÷¸ ƒˆÅ¸ƒÄ ˆÅ¸ œÏŸ¸º‰¸ ˆÅ¸¡¸Ä ˆºÅ¥¸ ÷¸º¥¸›¸œ¸°¸ ƒ¦Æ¨¸’ú ˆºÅ¥¸ ƒ¦Æ¨¸’ú Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ©¸½¡¸£ œ¸»¿¸úŠ¸÷¸ ˆÅ¢Ÿ¸¡¸¸¿
™½©¸ Principle activity of the (¸¾¬¸¸ ¢ˆÅ ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å ˆÅ¸ (%) Capital deficiencies
Name of the entity % of bank’s holding in
¥¸½‰¸¸¿ˆÅ›¸ ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¤¸÷¸¸¡¸¸
subsidiaries / country of the total equity
Š¸¡¸¸ í¾)
incorporation Total balance sheet
equity (as stated in the
accounting balance
sheet of the legal entity)

©¸»›¡¸ / Nil
”. ¤¸úŸ¸¸ ƒˆÅ¸ƒ¡¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ¤¡¸¸¸ ˆÅú ˆºÅ¥¸ £¸¢©¸ (¸¾¬¸½ ¢ˆÅ e. The aggregate amounts (e.g. current book value) of the
bank’s total interests in insurance entities, which are risk-
¨¸÷¸ÄŸ¸¸›¸ ¤¸íú Ÿ¸»¥¡¸), ¸¸½ ¸¸½¢‰¸Ÿ¸-ž¸¸¢£÷¸ í¾ À
weighted:
(£¸¢©¸ ¥¸¸‰¸¸½¿ Ÿ¸½¿ / Amt in Lks)
ƒ¿©¡¸¸½£Ê¬¸ ƒˆÅ¸ƒ¡¸¸Ê ˆÅ¸ ›¸¸Ÿ¸ / ¢›¸Š¸¢Ÿ¸÷¸ ƒˆÅ¸ƒÄ ˆÅ¸ œÏŸ¸º‰¸ ˆºÅ¥¸ ÷¸º¥¸›¸œ¸°¸ ƒ¦Æ¨¸’ú (¸¾¬¸¸ ˆºÅ¥¸ ƒ¦Æ¨¸’ú Ÿ¸Ê ¤¸ÿˆÅ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ œ¸Ö¢÷¸ œÏ¡¸¸½Š¸
™½©¸ ˆÅ¸¡¸Ä ¢ˆÅ ¢¨¸¢š¸ˆÅ ƒˆÅ¸ƒÄ ˆ½Å ˆ½Å ©¸½¡¸£ ˆÅ¸ % / ˆÅ£›¸½ ¤¸›¸¸Ÿ¸ œ¸»µ¸Ä ˆÅ’¸¾÷¸ú œ¸Ö¢÷¸
Name of the insurance entities / Principle activity ¥¸½‰¸¸¿ˆÅ›¸ ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¤¸÷¸¸¡¸¸ ¨¸¸½¢’¿Š¸ ©¸¦¨÷¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£›¸½ ˆÅ¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú
country of incorporation of the entity Š¸¡¸¸ í¾) ‚›¸ºœ¸¸÷¸ œ¸£ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏž¸¸¨¸
Total balance sheet % of bank’s Quantitative impact on
equity (as stated in the holding in the regulatory capital of using
accounting balance sheet total equity / risk weighting method
of the legal entity) proportion of versus using the full
voting power deduction method

ƒ¿¢”¡¸¸ûŬ’Ä ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸. ƒ¿©¡¸¸½£Ê¬¸ 27500 44.00% 20882.81

India First Life Insurance Insurance

Company Ltd.

¸. ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í Ÿ¸Ê ¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú ‚˜¸¨¸¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å ’︿¬¸ûÅ£ Ÿ¸Ê ˆÅ¸½ƒÄ œÏ¢÷¸¤¸¿š¸
¡¸¸ ‚”õ¸›¸ À
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¢›¸¡¸¸Ÿ¸ˆÅ ¥¸¸Š¸» í¾. ¬¸Ÿ¸»í ƒˆÅ¸ƒ¡¸¸Ê ˆ½Å ¤¸ú¸ œ¸»¿¸úŠ¸÷¸ ¢›¸¢š¸¡¸¸Ê ˆÅ¸ ‚¿÷¸£µ¸
œÏ¢÷¸¤¸¿¢š¸÷¸ í¾.
”ú‡ûÅ 2 À œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸
ˆÅ. ¤¸ÿˆÅ ¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸Ê, ¬¸¸Ÿ¸¸›¡¸ †µ¸™¸÷¸¸‚¸Ê ÷¸˜¸¸ ¢í÷¸š¸¸£ˆÅ¸Ê ˆÅ¸½ ‚œÏ÷¡¸¸¢©¸÷¸
í¸¢›¸¡¸¸Ê ¬¸½ ¬¸º£¢®¸÷¸ £‰¸›¸½ ˆ½Å ¢¥¸‡ ‡Æ¬¸œ¸¸½{¸£¸Ê, ¨¡¸¨¸¬¸¸¡¸ ƒ÷¡¸¸¢™ ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê
í¸¢›¸ ˆ½Å ¸¸½¢‰¸Ÿ¸ ¬¸½ ¤¸¸¸¨¸ ˆ½Å ¢¥¸‡ œ¸»¿¸ú ˆÅú ¨¡¸¨¸¬˜¸¸ £‰¸÷¸¸ í¾. ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸
¢›¸¡¸¸Ÿ¸ˆÅ ÷¸˜¸¸ ‚¸¢˜¸ÄˆÅ œ¸»¿¸ú ™¸½›¸¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅúˆ¼Å÷¸ ¸¸½¢‰¸Ÿ¸ / œ¸»¿¸ú
Ÿ¸¸Á”¥¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ í½÷¸º ‡ˆÅ ¬¸ºœ¸¢£ž¸¸¢«¸÷¸ ‚¸¿÷¸¢£ˆÅ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ¢›¸š¸¸Ä£µ¸
œÏ¢ÇÅ¡¸¸ (‚¸ƒÄ¬¸ú‡‡œ¸ú) ›¸ú¢÷¸ í¾ ÷¸¸¢ˆÅ ¬¸ž¸ú ¸¸½¢‰¸Ÿ¸¸Ê ‡¨¸¿ „¢¸÷¸ œ¸»¿¸ú ‚¸¤¸¿’›¸
ˆÅ¸½ ¨¡¸¸œ¸ˆÅ ³Åœ¸ ¬¸½ ¢¨¸ˆÅ¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å.
ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ›¸½ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å
¢¥¸‡ Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸, œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ ‚¸š¸¸£ž¸»÷¸ ¬¸¿ˆ½Å÷¸ˆÅ
œ¸Ö¢÷¸ ÷¸˜¸¸ ¬¸ú‚¸£‡‚¸£ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ í½÷¸º Ÿ¸¸›¸ˆÅúˆ¼Å÷¸
‚¸¨¸¢š¸ˆÅ œ¸Ö¢÷¸ ‚œ¸›¸¸¡¸ú í¾.
œ¸»¿¸úŠ¸÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸ ‚¸¢˜¸ÄˆÅ œ¸¢£¨¸½©¸, ¢›¸¡¸¸Ÿ¸ˆÅ {¸³£÷¸¸Ê ÷¸˜¸¸ ¤¸ÿˆÅ ˆÅú
Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ¬¸½ í¸½›¸½ ¨¸¸¥¸½ ¸¸½¢‰¸Ÿ¸ ¬¸½ œÏž¸¸¢¨¸÷¸ í¸½÷¸ú í¾. ¤¸ÿˆÅ ˆÅú œ¸»¿¸úŠ¸÷¸
f. Any restrictions or impediments on transfer of funds or
regulatory capital within the banking group:
In regard to restriction and impediments local laws and
regulation of host countries are applicable. The transfer of
Capital funds within the Group entities is restricted.
DF 2. Capital Adequacy
a. 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.
In line with the guidelines of the Reserve Bank of India, the Bank
has adopted Standardized Approach for Credit Risk, Basic
Indicator Approach for Operational Risk and Standardized
Duration Approach for Market Risk for computing CRAR.
The capital requirement is affected by the economic
environment, regulatory requirement and by the risk arising
from bank’s activities. Capital Planning exercise of the bank
is carried out every year to ensure the adequacy of capital at

6

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• œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ‡Æ¬¸œ¸¸½¸£ À ©¸»›¡¸
(Š¸) ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ œ¸»¿¸úŠ¸÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿
• ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸ À ` 170393.89
• ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¢¨¸¢›¸Ÿ¸¡¸ ¸¸½¢‰¸Ÿ¸ (¬¨¸µ¸Ä ¬¸¢í÷¸) À ` 9374.87
• ƒ¦Æ¨¸’ú ¸¸½¢‰¸Ÿ¸ À ` 56212.85
(‹¸) œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ œ¸»¿¸úŠ¸÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿
• ‚¸š¸¸£ž¸»÷¸ ¬¸¿ˆ½Å÷¸ˆÅ œ¸Ö¢÷¸ À ` 294547.40
• Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸ (¡¸¢™ ¥¸¸Š¸» í¸½) À ¥¸¸Š¸» ›¸íú¿
(”õ) ˆÅ¸ÁŸ¸›¸ ƒ¦Æ¨¸’ú ¢’¡¸£ 1 ÷¸˜¸¸ ˆºÅ¥¸ œ¸»¿¸úŠ¸÷¸ ‚›¸ºœ¸¸÷¸
¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ (¬¸Ÿ¸½¢ˆÅ÷¸ ‚¸š¸¸£ œ¸£) À
ˆºÅ¥¸ ‚¸£”¤¥¡¸» ˆ½Å ¢¥¸‡ ˆÅ¸ÁŸ¸›¸ ƒ¦Æ¨¸’ú ¢’¡¸£ 1 œ¸»¿¸ú À 10.78%
ˆºÅ¥¸ ‚¸£”¤¥¡¸» ˆ½Å ¢¥¸‡ ¢’¡¸£ 1 œ¸»¿¸ú À 11.29%
ˆºÅ¥¸ œ¸»¿¸úÀ 13.63%
”ú‡ûÅ 3. †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ œÏˆÅ’úˆÅ£µ¸
¤¸ÿˆÅ ˆÅú †µ¸ ‚¸¢¬÷¸¡¸¸½¿ ˆÅ¸½ ¨¸Š¸úĈ¼Å÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅú ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸
›¸ú¢÷¸ íÿÀ
Š¸¾£ ¢›¸«œ¸¸™ˆÅ ‚¸¦¬÷¸¡¸¸¿ (‡›¸œ¸ú‡) À Š¸¾£ ¢›¸«œ¸¸™ˆÅ ‚¸¦¬÷¸¡¸¸¿ (‡›¸œ¸ú‡) ‡ˆÅ
‡½¬¸¸ †µ¸ ¡¸¸ ‚¢ŠÏŸ¸ í¾ ¸í¸ÂÀ
i. Ÿ¸ú¡¸¸™ú †µ¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê 90 ¢™›¸ ¬¸½ ‚¢š¸ˆÅ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡
Ÿ¸»¥¸š¸›¸ ˆÅ¸ ¤¡¸¸¸ ÷¸˜¸¸ / ¡¸¸ ¢ˆÅ¬÷¸ ‚¢÷¸™½¡¸ í¸½ ¸¸÷¸ú í¾.
ii. ‚¸½¨¸£ ”ï¸É’ / ›¸ˆÅ™ „š¸¸£ (‚¸½ ”ú / ¬¸ú ¬¸ú) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‰¸¸÷¸¸
‚¢›¸¡¸¢Ÿ¸÷¸ £í÷¸¸ í¾.
iii. ‰¸£ú™½ Š¸‡ ÷¸˜¸¸ ¤¸’Ã’¸ˆ¼Å÷¸ ¢¤¸¥¸ 90 ¢™›¸¸Ê ¬¸½ ‚¢š¸ˆÅ ˆÅú ‚¨¸¢š¸ ˆ½Å
¢¥¸‡ ‚¢÷¸™½¡¸ £í÷¸½ íÿ.
¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures
the times of changing economic conditions, even at the time
of economic recession. In capital planning process the bank
reviews:
• 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 three-year 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 13.00% 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.
(All Amount in Lakhs)
(b) Capital requirements for credit risk:
• Portfolios subject to Standardized approach:
` 3279695.03
• Securitizations exposures: Nil
(c) Capital requirements for market risk:
- Interest rate risk: ` 170393.89
- Foreign exchange risk (including gold): ` 9374.87
- Equity risk: ` 56212.85
(d) Capital requirements for operational risk:
• Basic Indicator Approach: ` 294547.40
• The Standardized Approach (if applicable): NA
(e) Common Equity Tier 1, and Total Capital ratios:
Bank of Baroda (Consol Basis):
Common Equity Tier I capital to Total RWA: 10.78%
Tier I capital to Total RWA: 11.29%
Total Capital: 13.63%
DF 3. General disclosures in respect of Credit Risk
The policy of the bank for classifying bank’s 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,
7
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016
iv. ‚¥œ¸¸¨¸¢š¸ ûŬ¸¥¸¸Ê ˆ½Å ¢¥¸‡ ™¸½ ûŬ¸¥¸ú Ÿ¸¸¾¬¸Ÿ¸¸Ê í½÷¸º Ÿ¸»¥¸ £¸¢©¸ ˆÅú
¢ˆÅ¬÷¸ ‚˜¸¨¸¸ „¬¸ œ¸£ ¤¸ˆÅ¸¡¸¸ ¤¡¸¸¸ ‚¢÷¸™½¡¸ í¸½ ¸¸÷¸¸ í¾.
v. ¥¸Ÿ¤¸ú ‚¨¸¢š¸ ˆÅú ûŬ¸¥¸¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅ ûŬ¸¥¸ú Ÿ¸¸¾¬¸Ÿ¸ í½÷¸º Ÿ¸»¥¸ £¸¢©¸
ˆÅú ¢ˆÅ¬÷¸ ‚˜¸¨¸¸ „¬¸ œ¸£ ¤¸ˆÅ¸¡¸¸ ¤¡¸¸¸ ‚¢÷¸™½¡¸ í¸½ ¸¸÷¸¸ í¾.
¢ˆÅ¬¸ú ‚¸½”ú / ¬¸ú ¬¸ú ‰¸¸÷¸½ ˆÅ¸½ `‚¢›¸¡¸¢Ÿ¸÷¸' ‰¸¸÷¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸‡Š¸¸
¡¸¢™ ‰¸¸÷¸½ Ÿ¸Ê ¬¨¸úˆ¼Å÷¸ ¬¸úŸ¸¸ / ‚¸í£µ¸ ¬¸úŸ¸¸ ¬¸½ ‚¢š¸ˆÅ £¸¢©¸ 90 ¢™›¸ ¬¸½
‚¢š¸ˆÅ ¤¸ˆÅ¸¡¸¸ £í÷¸ú í¸½. ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê, ¸í¸Â Ÿ¸»¥¸ œ¸¢£¸¸¥¸›¸Š¸÷¸ ‰¸¸÷¸½ Ÿ¸Ê
¤¸ˆÅ¸¡¸¸ ©¸½«¸ ¬¨¸úˆ¼Å÷¸ ¬¸úŸ¸¸ / ‚¸í£µ¸ ¬¸úŸ¸¸ ¬¸½ ˆÅŸ¸ £í÷¸¸ í¸½ ¥¸½¢ˆÅ›¸ ¸í¸¿
÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¢›¸£›÷¸£ ³Åœ¸ ¬¸½ 90 ¢™›¸¸Ê ˆ½Å ¢¥¸‡ ‚˜¸¨¸¸ „¬¸ú
‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ›¸¸Ÿ¸½ ¢ˆÅ‡ Š¸‡ ¤¡¸¸¸ ˆÅú ¨¸¬¸»¥¸ú í½÷¸º ¸Ÿ¸¸ £¸¢©¸ ©¸½«¸ ›¸íú¿ í¸½
÷¸¸½ ‡½¬¸½ ‰¸¸÷¸¸Ê ˆÅ¸½ `‚¢›¸¡¸¢Ÿ¸÷¸' ‰¸¸÷¸½ ˆÅú ª½µ¸ú Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸¡¸½Š¸¸.
¢ˆÅ¬¸ú ž¸ú †µ¸ ¬¸º¢¨¸š¸¸ ˆ½Å ‚›÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆÅ¸½ ™½¡¸ ¢ˆÅ¬¸ú ž¸ú ‡½¬¸ú £¸¢©¸ ˆÅ¸½
‚¢÷¸™½¡¸' Ÿ¸¸›¸¸ ¸¸¡¸½Š¸¸ ¡¸¢™ ¡¸í ¤¸ÿˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú Š¸ƒÄ ™½¡¸ ÷¸¸£ú‰¸ ˆÅ¸½
‚™¸ ›¸íú¿ ˆÅú ¸¸÷¸ú í¾.
Š¸¾£ ¢›¸«œ¸¸™ˆÅ ¢›¸¨¸½©¸ (‡›¸ œ¸ú ‚¸ƒÄ)
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¸í¸Â ¤¡¸¸¸/Ÿ¸»¥¸š¸›¸ ¤¸ˆÅ¸¡¸¸ í¾, ¤¸ÿˆÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£
‚¸¡¸ ˆÅú Š¸µ¸›¸¸ ›¸íú¿ ˆÅ£÷¸¸ í¾ ÷¸˜¸¸ ¢›¸¨¸½©¸ ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¬¸ ˆ½Å ¢¥¸‡
¬¸Ÿ¸º¢¸÷¸ œÏ¸¨¸š¸¸›¸ ˆÅ£÷¸¸ í¾.
Š¸¾£ ¢›¸«œ¸¸™ˆÅ ¢›¸¨¸½©¸ (‡›¸œ¸ú‚¸ƒÄ) ¸¸½ Š¸¾£ ¢›¸«œ¸¸™ˆÅ ‚¢ŠÏŸ¸ (‡›¸œ¸ú‡) ˆ½Å
¬¸Ÿ¸¸›¸ íú í¾, „¬¸½ ˆÅí÷¸½ íÿ ¸í¸ÂÀ
(i) ¤¡¸¸¸ / ¢ˆÅ¬÷¸ (œ¸¢£œ¸Æ¨¸ œÏ¸¦œ÷¸¡¸¸Ê ¬¸¢í÷¸) ™½¡¸ í¾ ‚¸¾£ 90 ¢™›¸¸Ê ¬¸½
‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ‚™î¸ £í÷¸¸ í¾.
(ii) ¡¸í ‚¢š¸Ÿ¸¸›¸ú ©¸½¡¸£¸Ê œ¸£ ¸í¸Â ¢›¸š¸¸Ä¢£÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ›¸íú¿
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ‚¸¨¸©¡¸ˆÅ œ¸¢£¨¸÷¸Ä›¸¸Ê ¬¸¢í÷¸ ¥¸¸Š¸» í¸½÷¸¸ í¾.
(iii) ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¸í¸Â ¢ˆÅ¬¸ú ˆ¿Åœ¸›¸ú ˆ½Å ©¸½¡¸£¸Ê ˆ½Å ¢›¸¨¸½©¸
ˆÅ£›¸½ œ¸£ Ÿ¸»¥¡¸ œÏ¢÷¸ ˆ¿Åœ¸›¸ú ` 1/- ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ
ˆ½Å ¢›¸™½©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚Ô¸÷¸›¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ‚›¸ºœ¸¥¸¤š¸÷¸¸ ˆ½Å ˆÅ¸£µ¸
„›¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú Š¸µ¸›¸¸ ž¸ú ‡›¸œ¸ú‚¸ƒÄ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅú ¸¸÷¸ú í¾.
(iv) ¡¸¢™ ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä ׸£¸ œÏ¸œ÷¸ ˆÅú Š¸ƒÄ ˆÅ¸½ƒÄ †µ¸ ¬¸º¢¨¸š¸¸ ¤¸ÿˆÅ ˆÅú ¤¸¢í¡¸¸Ê
Ÿ¸Ê ‡›¸œ¸ú‡ í¾ ÷¸¸½ „¬¸ ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä ׸£¸ ‚¢š¸Ÿ¸¸›¸ú ©¸½¡¸£¸Ê ¬¸¢í÷¸ ¸¸£ú
ˆÅú Š¸ƒÄ ¢ˆÅ¬¸ú ž¸ú œÏ¢÷¸ž¸»¢÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ‡›¸œ¸ú‚¸ƒÄ ÷¸˜¸¸ ¢¨¸¥¸¸½Ÿ¸÷¸À
Ÿ¸¸›¸¸ ¸¸‡Š¸¸. ÷¸˜¸¸¢œ¸, ¡¸¢™ ˆ½Å¨¸¥¸ ‚¢š¸Ÿ¸¸›¸ú ©¸½¡¸£ íú ‡›¸œ¸ú‡ ˆ½Å
³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ íÿ ÷¸¸½ „¬¸ ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä ׸£¸ ¸¸£ú ¢ˆÅ¬¸ú ‚›¡¸ ˆÅ¸¡¸Ä
¢›¸«œ¸¸™›¸ ‚¸¢¬÷¸¡¸¸½¿ Ÿ¸Ê ¢ˆÅ¡¸¸ Š¸¡¸¸ ¢›¸¨¸½©¸ ‡›¸œ¸ú‡ ›¸íú¿ Ÿ¸¸›¸¸ ¸¸‡Š¸¸.
(v) ¢”¤¸Ê¸£ / ¤¸¸¿” Ÿ¸½ ¢›¸¨¸½©¸ ¸¸½ ¢ˆÅ ‚¢ŠÏŸ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸½ ¸¸÷¸½ íÿ, ¢›¸¨¸½©¸
œ¸£ ¥¸¸Š¸» í¸½›¸½ ¨¸¸¥¸½ ‡›¸œ¸ú‚¸ƒÄ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚š¡¸š¸ú›¸ íÿ. (v) The investments in debentures / bonds which are
¤¸ÿˆÅ ˆÅú Š¸¾£ ¢›¸«œ¸¸™ˆÅ ‚¦¬÷¸¡¸¸Ê ˆÅ¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ -3- ª½¢µ¸¡¸¸Ê Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸
Š¸¡¸¸ í¾.
• ‚¨¸Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸¿
‚¨¸Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸ ¬¸½ ‚¢ž¸œÏ¸¡¸, ‡½¬¸ú ‚¸¦¬÷¸ ¬¸½ í¾ ¸¸½ ¢ˆÅ 12 Ÿ¸íú›¸¸Ê ˆÅú ‚¨¸¢š¸
¬¸½ ˆÅŸ¸ ‚˜¸¨¸¸ ¬¸Ÿ¸÷¸º¥¡¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ Š¸¾£ ¢›¸«œ¸¸™ˆÅ ‚¸¦¬÷¸ £íú í¸½.
• ¬¸¿¢™Šš¸ ‚¸¦¬÷¸¡¸¸¿
¢ˆÅ¬¸ú ž¸ú ‚¸¦¬÷¸ ˆÅ¸½, 12 Ÿ¸íú›¸¸Ê ˆ½Å ¢¥¸‡ ‚¨¸Ÿ¸¸›¸ˆÅ ª½µ¸ú Ÿ¸Ê ¤¸›¸½ £í›¸½ ˆÅú
¦¬˜¸¢÷¸ Ÿ¸Ê „¬¸½ ¬¸¿¢™Šš¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸¡¸½Š¸¸.
• í¸¢›¸ ¨¸¸¥¸ú ‚¸¦¬÷¸¡¸¸¿
í¸¢›¸ ¨¸¸¥¸ú ‚¸¦¬÷¸ ¬¸½ ‚¢ž¸œÏ¸¡¸ ‡½¬¸ú ‚¸¦¬÷¸ ¬¸½ íÿ ¸í¸¿ í¸¢›¸ ¤¸ÿˆÅ ‚˜¸¨¸¸
‚¸¿÷¸¢£ˆÅ ‚˜¸¨¸¸ ¤¸¸à¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ‚˜¸¨¸¸ ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢›¸£ú®¸µ¸
׸£¸ œ¸÷¸¸ ¸¥¸ú í¸½. í¸¢›¸ ¨¸¸¥¸ú ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê „œ¸¥¸¤š¸ œÏ¢÷¸ž¸»¢÷¸ ˆÅ¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸
Ÿ¸»¥¡¸, ¤¸ˆÅ¸¡¸¸ ©¸½«¸ / ™½¡¸¸Ê ˆÅ¸ 10% ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ í¸½÷¸¸ í¾.
8
IV. 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 non-performing
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,
including preference shares issued by the same issuer
would also be treated as NPI and vice versa. However,
if only the preference shares are classified as NPI , the
investment in any of the other performing assets issued
by the same issuer may not be treated as NPA.
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:
• Sub standard Assets
A sub standard asset is one which has remained NPA for a
period less than or equal to 12 months.
• Doubtful Assets
An asset would be classified as doubtful if it has remained in
the sub standard category for 12 months.
• 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.

ˆÅ¸¡¸Ä›¸ú¢÷¸ ‡¨¸¿ œÏ¢ÇÅ¡¸¸‡¿
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œ¸¢£ž¸¸¢«¸÷¸ †µ¸ ›¸ú¢÷¸ ‡¨¸¿ ¢›¸¨¸½©¸ ›¸ú¢÷¸ í¾, ¸¸½ ¢ˆÅ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ À
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Ÿ¸»¥¡¸ Ÿ¸Ê ¤¸õ¸½î¸£ú í¸½ ÷¸˜¸¸ ¬¸ž¸ú ¢í÷¸ š¸¸£ˆÅ¸Ê ˆ½Å ¢í÷¸ ¬¸¿£¢®¸÷¸ í¸Ê.
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‚¸¾£ „Ó½©¡¸¸Ê ˆÅ¸½ œÏ¸œ÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å.
• ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆÅú ¢¨¸¢ž¸››¸ £¸«’ïú¡¸ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ ¡¸¸½¸›¸¸¤¸Ö ÷¸£úˆ½Å ¬¸½ œ¸»£¸
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¬˜¸¸Š¸÷¸ ¢¨¸î¸ ˆ½Å ‚¢ž¸¢›¸¡¸¸½¸›¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆ½Å
¢¨¸¢ž¸››¸ „÷œ¸¸™ˆÅ ®¸½°¸¸Ê Ÿ¸Ê ¬¸º¢›¸¡¸¸½¢¸÷¸ ¨¸¼¢Ö ¬¸½ ¥¸®¡¸ œÏ¸œ÷¸ ¢ˆÅ‡ ¸¸‡¿.
• „Ô¸Ÿ¸¨¸¸£ †µ¸ ¬¸¿¬ˆ¼Å¢÷¸ ¢¨¸ˆÅ¢¬¸÷¸ ˆÅ£›¸¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸ ¬’¸ûÅ ˆÅ¸½ ¬¸í¡¸¸½Š¸
œÏ™¸›¸ ˆÅ£›¸¸.
• ¢¨¸¢ž¸››¸ †µ¸ú ¨¸Š¸¸½ô ˆÅ¸½ ‚¸¨¸©¡¸ˆÅ÷¸¸ ‚¸š¸¸¢£÷¸ ‚¸¾£ ¬¸Ÿ¸¡¸ œ¸£ †µ¸ ¬¸º¢¨¸š¸¸
„œ¸¥¸¤š¸ ˆÅ£¨¸¸›¸¸.
• ¬¨¸úˆ¼Å¢÷¸œ¸»¨¸Ä, ¬¨¸úˆ¼Å¢÷¸ „œ¸£¸¿÷¸ Ÿ¸¸¢›¸’¢£¿Š¸, œ¸¡¸Ä¨¸½®¸µ¸ ‚¸¾£ ‚›¸º¨¸÷¸úÄ ˆÅ™Ÿ¸
„“¸÷¸½ íº‡ †µ¸ œÏ¤¸¿š¸›¸ ˆÅ¸¾©¸¥¸ ˆÅ¸½ œÏž¸¸¨¸ú ¤¸›¸¸›¸¸ ÷¸¸¢ˆÅ ¤¸ÿˆÅ Ÿ¸Ê ˆÅ¸£Š¸£ †µ¸
¬¸¿¬ˆ¼Å¢÷¸ ¢¨¸ˆÅ¢¬¸÷¸ ˆÅú ¸¸ ¬¸ˆ½Å ÷¸˜¸¸ †µ¸ ¬¸¿¢¨¸ž¸¸Š¸ ˆÅ¸½ Š¸ºµ¸¨¸î¸¸ ¡¸ºÆ÷¸ ¤¸›¸¸¡¸¸
¸¸ ¬¸ˆ½Å.
• Š¸ºµ¸¨¸î¸¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‡¨¸¿ ÷¸÷œ¸£÷¸¸ ˆ½Å ¬¸¸˜¸ ¢¨¸¬÷¸¼÷¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆÅ¸ œ¸»µ¸Ä
‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ œÏž¸¸¨¸œ¸»µ¸Ä ¿Š¸ ¬¸½ ˆÅ£÷¸½ íº‡ †µ¸ œÏ¬÷¸¸¨¸¸Ê œ¸£ ˆÅ¸¡¸Ä¨¸¸íú
ˆÅ£›¸¸.
• ¢¨¸¢ž¸››¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ / ‚›¡¸
œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê, ‡Æ¬¸œ¸¸½¸£ Ÿ¸¸›¸™¿”¸Ê, œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆ½Å Ÿ¸¸›¸™¿”¸Ê, ‚¸¡¸
œ¸í¸¸›¸ ‚¸¾£ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ¢™©¸¸¢›¸™½Ä©¸, œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸, †µ¸ ¸¸½¢‰¸Ÿ¸
œÏ¤¸¿š¸›¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¢™ ˆÅú ‚›¸ºœ¸¸¥¸›¸¸ ˆÅ£›¸¸.
¤¸ÿˆÅ ˆÅú ¬¸¿£¸›¸¸ ‚¸¾£ œÏµ¸¸¢¥¸¡¸¸¿
• ¤¸ÿˆÅ Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ˆÅú ™½‰¸£½‰¸ ÷¸˜¸¸ ¬¸Ÿ¸›¨¸¡¸ ˆÅ¸¡¸¸½Ä ˆ½Å ¢¥¸‡
¤¸¸½”Ä ×¸£¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅú ‡ˆÅ „œ¸¬¸¢Ÿ¸¢÷¸ ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures
Strategies and Processes:
The bank has a well defined Loan Policy & Investment Policy covering
the important areas of credit risk management as under:
• Exposure ceilings to different sectors of the economy, different
types of borrowers and their group and industry
• Fair Practice Code in dispensation of credit
• Discretionary Lending Powers for different levels of authority
of the bank
• Processes involved in dispensation of credit – pre-sanction
inspection, rejection, appraisal, sanction, documentation,
monitoring, and recovery.
• Fixation of price based on risk perception.
The Credit Risk philosophy, architecture and systems of the
bank are as under:
Credit Risk Philosophy:
• 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 bank’s resources.
• To regulate and streamline the financial resources of the
bank in an orderly manner to enable the various channels to
achieve the common goal and objectives of the Bank.
• 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.
• To instill a sense of credit culture enterprise-wide and to assist
the operating staff.
• To provide need-based and timely availability of credit to
various borrower segments.
• 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.
• To deal with credit proposals more effectively with quality
assessment, speedy delivery, in full compliance with extant
guidelines.
• 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:
• Risk management Committee of Board has been constituted
by the Board to specifically oversee and co-ordinate Risk
Management functions in the bank.
9
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

• †µ¸ ›¸ú¢÷¸¡¸¸Ê ¬¸¢í÷¸ ¢¨¸¢ž¸››¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ‚¸¾£
„›¸ ˆÅ¸ ¢ÇÅ¡¸¸›¨¸¡¸›¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½, †µ¸ œÏ™¸›¸ ˆÅ£›¸½ ¬¸¿¤¸¿š¸ú ›¸ú¢÷¸¡¸¸Ê ‚¸¾£
¤¸ÿˆÅ ˆÅú „Ô¸Ÿ¸¨¸¸£ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ˆÅ¸¡¸¸½Ä ˆÅú ¢›¸¡¸¢Ÿ¸÷¸ ™½‰¸£½‰¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡
†µ¸›¸ú¢÷¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
• †µ¸ œÏ¬÷¸¸¨¸¸Ê ˆ½Å Ÿ¸¸›¸ˆÅ¸Ê, ¢¨¸î¸ú¡¸ œÏ¬¸¿¢¨¸™¸‚¸Ê, £½¢’¿Š¸ Ÿ¸¸›¸ˆÅ¸Ê ÷¸˜¸¸ ¤¸Ê¸Ÿ¸¸ˆÄÅ ˆ½Å
¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸¸›¸ˆÅ ›¸ú¢÷¸¡¸¸¿ ÷¸¾¡¸¸£ ˆÅ£›¸¸.
• †µ¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ˆÅ®¸ ¢›¸š¸¸Ä¢£÷¸ ¬¸úŸ¸¸‚¸Ê ˆ½Å ÷¸í÷¸ œ¸í¸¸›¸, ¬÷¸£, ™½‰¸£½‰¸
÷¸˜¸¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ¢›¸¡¸¿°¸µ¸ ¬¸¿¤¸¿š¸ú ˆÅ¸¡¸Ä ™½‰¸÷¸½ íÿ.
• Credit Policy Committee has been set up to formulate and
implement various credit risk strategy including lending
policies and to monitor Bank’s Enterprise-wide Risk
Management function on a regular basis.
• Formulating policies on standards for credit proposals,
financial covenants, rating standards and benchmarks.
• Credit Risk Management cells deal with identification,
measurement, monitoring and controlling credit risk within the
prescribed limits.

• ¤¸¸½”Ä / ¢›¸¡¸¸Ÿ¸ˆÅ¸Ê ‚¸¢™ ׸£¸ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ ¸¸½¢‰¸Ÿ¸ Ÿ¸¸›¸™¿” ÷¸˜¸¸ ¬¸¿ž¸¸¨¸›¸¸
¬¸úŸ¸¸‚¸Ê ˆÅ¸½ ¥¸¸Š¸» ˆÅ£›¸¸ ÷¸˜¸¸ „›¸ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸.
• ¸¸½¢‰¸Ÿ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œÏµ¸¸¢¥¸¡¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸¸, ‡Ÿ¸ ‚¸ƒÄ ‡¬¸ ˆÅ¸ ¢¨¸ˆÅ¸¬¸
ˆÅ£›¸¸ ‚¸¾£ †µ¸ ¬¸¿¢¨¸ž¸¸Š¸ ˆÅú Š¸ºµ¸¨¸î¸¸ ˆÅú ™½‰¸£½‰¸, ¬¸Ÿ¸¬¡¸¸‚¸Ê ˆÅú œ¸í¸¸›¸
÷¸˜¸¸ ˆÅ¢Ÿ¸¡¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸¸.
• ¬¸¿¢¨¸ž¸¸Š¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸, ‚˜¸Ä¨¡¸¨¸¬˜¸¸, „Ô¸¸½Š¸ œ¸£ ÷¸º¥¸›¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸½¸›¸¸
÷¸¾¡¸¸£ ˆÅ£›¸¸, †µ¸ ¬¸¿¢¨¸ž¸¸Š¸ œ¸£ ¥¸¸ú¥¸½œ¸›¸ ˆÅ¸ œ¸£ú®¸µ¸ ˆÅ£›¸¸.
• Enforcement and compliance of the risk parameters and
prudential limits set by the Board/regulator etc.,
• Laying down risk assessment systems, developing MIS,
monitoring quality of loan portfolio, identification of problems
and correction of deficiencies.
• Evaluation of Portfolio, conducting comprehensive studies
on economy, industry, test the resilience on the loan portfolio
etc.,

• ¢›¸š¸¸Ä¢£÷¸ ¢›¸¡¸Ÿ¸¸Ê ‚¸¾£ Ÿ¸¸Š¸Ä ¢›¸™½Ä©¸¸Ê ˆÅú œ¸»µ¸Ä ³Åœ¸ ¬¸½ ‚›¸ºœ¸¸¥¸›¸¸ ˆ½Å ¢¥¸‡ †µ¸
¬¸ºœ¸º™ÄŠ¸ú œÏµ¸¸¥¸ú Ÿ¸Ê ¬¸ºš¸¸£ ¥¸¸›¸¸.
¸¸½¢‰¸Ÿ¸ ¢£œ¸¸½Ä¢’¿Š¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸‡¿ ¨¸ œÏˆ¼Å¢÷¸ ‚¸¾£/‚˜¸¨¸¸ ‚¸ˆÅ¥¸›¸ œ¸Ö¢÷¸
¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‚œ¸›¸½ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ Ÿ¸¸¤¸»÷¸ †µ¸ ¸¸½¢‰¸Ÿ¸ £½¢’¿Š¸ œÏµ¸¸¥¸ú
„œ¸¥¸¤š¸ í¾. †µ¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å œÏž¸¸¨¸ú „œ¸¸¡¸¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú ‚¸¦¬÷¸ ¢¨¸©¸½«¸
Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸‚¸Ê ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸¸, ¬¸º´õ ‚¸¦¬÷¸ Š¸ºµ¸¨¸÷¸¸ ™½‰¸£½‰¸, ¤¸ÿˆÅ ˆÅú
¬¸Ÿ¸ŠÏ ˆÅ¸¡¸Ä›¸ú¢÷¸ ‚¸¾£ †µ¸›¸ú¢÷¸ ˆ½Å ‚›¸º³Åœ¸ ‚œ¸½¢®¸÷¸ ¸¸½¢‰¸Ÿ¸ ¢£’›¸Ä Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ˆÅúŸ¸÷¸¸Ê ˆÅ¸½ ¥¸¸ú¥¸¸ ¤¸›¸¸›¸¸ ©¸¸¢Ÿ¸¥¸ í¾.
¤¸ÿˆÅ ˆÅú Ÿ¸¸¤¸»÷¸ †µ¸ ¸¸½¢‰¸Ÿ¸ £½¢’¿Š¸ œÏµ¸¸¥¸ú ‚›÷¸£¸Ä«’ïú¡¸ ¬÷¸£ œ¸£ ‚œ¸›¸¸¡¸½ ¸¸ £í½
¬¨¸³Åœ¸ ‚¸¾£ ¢¨¸æ¸ ˆÅú Ÿ¸í÷¨¸œ¸»µ¸Ä œÏ¢œÏ¡¸¸‚¸Ê œ¸£ ‚¸š¸¸¢£÷¸ í¾ ‚¸¾£ ¡¸í ¤¸ÿˆÅ ˆÅ¸½ †µ¸
‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ¸»ˆÅ ˆÅú ¬¸¿ž¸¸¨¸›¸¸‚¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ ÷¸˜¸¸ ¸»ˆÅ ˆÅú Š¸¿ž¸ú£÷¸¸ ˆÅ¸ œ¸÷¸¸
¥¸Š¸¸›¸½ Ÿ¸Ê ¬¸í¡¸¸½Š¸ ˆÅ£÷¸ú í¾ ‚¸¾£ ƒ¬¸ œÏˆÅ¸£ ¡¸í œÏµ¸¸¥¸ú ¤¸ÿˆÅ ˆÅ¸½ œ¸Ö¢÷¸ ¢›¸Ÿ¸¸Äµ¸ ÷¸˜¸¸
‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ ˆÅ¸½ ¤¸£ˆÅ£¸£ £‰¸›¸½ Ÿ¸Ê Ÿ¸™™ ˆÅ£÷¸ú í¾.
• 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 bank’s overall strategy
and credit policy.
The bank’s 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.

†µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’úˆÅ£µ¸ Quantitative Disclosures in respect of Credit Risk:-

(ˆÅ) ˆºÅ¥¸ ¬¸ˆÅ¥¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ (a) Total Gross Credit Risk Exposure:

(£¸¢©¸ ¥¸¸‰¸ Ÿ¸Ê /Amt in lks)

¢¨¸¨¸£µ¸ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ Š¸¾£¢›¸¢š¸ ‚¸š¸¸¢£÷¸
Particulars Fund Based Non-Fund Based

ˆºÅ¥¸ ¬¸ˆÅ¥¸ †µ¸ ¸¸½¢‰¸Ÿ¸ À (‡Æ¬¸œ¸¸½{¸£) 51611984.86 13317463.04

Total Gross Credit Risk : (Exposure)

(‰¸) ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ ž¸¸¾Š¸¸½¢¥¸ˆÅ ¬¸¿¢¨¸÷¸£µ¸, (¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ÷¸˜¸¸ Š¸¾£ ‚¸š¸¸¢£÷¸ (b) Geographic distribution of exposures, (Fund based and
Non-fund based separately)
‚¥¸Š¸-‚¥¸Š¸)
(£¸¢©¸ ¥¸¸‰¸ Ÿ¸Ê /Amt in lks)
¢¨¸¨¸£µ¸ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ Š¸¾£¢›¸¢š¸ ‚¸š¸¸¢£÷¸
Particulars Fund Based Non-Fund Based

ˆºÅ¥¸ ¬¸ˆÅ¥¸ †µ¸ ¸¸½¢‰¸Ÿ¸ À (‡Æ¬¸œ¸¸½{¸£) (‹¸£½¥¸» + ‹¸£½¥¸» ‚›¸º«¸¿¢Š¸¡¸¸) 35068747.45 9589644.64
Total Gross Credit Risk : (Exposure) (Domestic + Domestic Subsidiaries)

ˆºÅ¥¸ ¬¸ˆÅ¥¸ †µ¸ ¸¸½¢‰¸Ÿ¸ À (‡Æ¬¸œ¸¸½{¸£) (¢¨¸™½©¸ú + ¢¨¸™½©¸ú ‚›¸º«¸¿¢Š¸¡¸¸) 16543237.40 3727818.40
Total Gross Credit Risk : (Exposure) (Overseas + Overseas Subsidiaries)

10
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(Š¸) ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ „Ô¸¸½Š¸ ’¸ƒœ¸ ¬¸¿¢¨¸÷¸£µ¸ (‹¸£½¥¸») (¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ÷¸˜¸¸ (c) Industry type distribution of exposures (Consolidated)
(Fund based and Non-fund based separately):
Š¸¾£¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ‚¥¸Š¸-‚¥¸Š¸)
ÇÅŸ¸. ¬¸¿. „Ô¸¸½Š¸ Industry ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ˆºÅ¥¸
FB Exposure NFB Exposure Total
1‡ ‰¸›¸›¸ ‡¨¸¿ „÷‰¸›¸›¸ 1 A Mining and Quarrying 661166.39 141372.93 802539.33

2‡.1 ˆÅ¸½¡¸¥¸¸ 2A.1 Coal 171323.50 34097.87 205421.37

3‡.2 ‚›¡¸ 3A.2 Other 489842.89 107275.06 597117.95

4¤¸ú. ‰¸¸Ô¸ œÏ¬¸¿¬ˆÅ£µ¸ 4B. Food Processing 1121790.75 304814.35 1426605.10

5¤¸ú.1 ¸ú›¸ú 5B.1 Sugar 283637.46 15362.97 299000.43

6¤¸ú.2 ‰¸¸Ô¸ ÷¸½¥¸ ‡¨¸¿ ¨¸›¸¬œ¸¢÷¸ 6B.2 Edible Oils and Vanaspati 145737.29 161838.00 307575.29

7¤¸ú.3 ¸¸¡¸ 7B.3 TEA 8154.81 646.92 8801.73

8¤¸ú.4 ˆÅ¸ûÅú 8B.4 Coffee 1542.21 0.00 1542.21

9¤¸ú.5 ‚›¡¸ 9B.5 Others 682718.99 126966.46 809685.45

10¬¸ú. œ¸½¡¸ œ¸™¸˜¸Ä 10C. Bevarages 212327.14 20093.78 232420.93

11¬¸ú.1 ÷¸Ÿ¤¸¸ˆ»Å ‡¨¸¿ ÷¸Ÿ¤¸¸ˆ»Å „÷œ¸¸™ 11C.1 Tobacco and tobacco products 66779.58 10985.55 77765.13

12¬¸ú.2 ‚›¡¸ 12C.2 Others 145547.57 9108.23 154655.80

13”ú. ’¾Æ¬¸’¸ƒ¥¸ 13D. Textiles 2118766.66 483742.26 2602508.92

14”ú.1 ˆÅ¸Á’›¸ ’¾Æ¬¸’¸ƒ¥¸ 14D.1 Cotton Textile 923017.38 143152.56 1066169.94

15”ú.2 ¸»’ ’¾Æ¬¸’¸ƒ¥¸ 16D.2 Jute Textile 26469.33 4472.92 30942.25

16”ú.3 í¬÷¸¢©¸¥œ¸ / ‰¸¸™ú 16D.3 Handicraft/Khadi 47026.45 8642.79 55669.23

17”ú.4 ¢¬¸¥ˆÅ 17D.4 Silk 24861.77 9059.48 33921.25

18”ú.5 ¨¸»¥¸›¸ 18D.5 Woolen 73136.65 5561.48 78698.12

19”ú.6 ‚›¡¸ 19D.6 Others 1024255.09 312853.03 1337108.12

20 ”ú Ÿ¸Ê ¬¸½ ¦¬œ¸¢›¸¿Š¸ ¢Ÿ¸¥¬¸ 20 Out of D to spinning Mills 534976.06 91195.87 626171.94

21ƒÄ. ¸Ÿ¸”õ¸ ‚¸¾£ ¸Ÿ¸”õ¸ „÷œ¸¸™ 21E. Leather and Leather products 55878.86 4702.83 60581.69

22‡ûÅ. ˆÅ¸«“ ‡¨¸¿ ˆÅ¸«“ „÷œ¸¸™ 22F. Wood and Wood products 90442.84 28021.26 118464.10

23¸ú. ˆÅ¸Š¸¸ ‡¨¸¿ ˆÅ¸Š¸¸ „÷œ¸¸™ 23G. Paper and Paper products 241589.41 83488.81 325078.22

24‡¸. œ¸½’︽¢¥¸¡¸Ÿ¸ 24H. Petroleum 401619.74 161787.44 563407.18

25‚¸¡¸. £¬¸¸¡¸›¸ ‚¸¾£ £¬¸¸¡¸›¸ „÷œ¸¸™ 25I. Chemicals and Chemical Products 1554541.71 592713.57 2147255.28

26‚¸¡¸.1 „¨¸Ä£ˆÅ 26I1. Fertilizers 173408.35 203774.12 377182.47

27‚¸¡¸.2 ” ‡¨¸¿ ûŸŸ¸¸Ä¬¡¸»¢’ˆÅ¥¸ 27I.2 Drugs and Pharmaceuticals 428213.41 86063.54 514276.95

28‚¸¡¸.3 œ¸½’︽-ˆ½ÅŸ¸úˆÅ¥¬¸ 28I.3 Petro-Chemicals 289315.87 59328.09 348643.96

29‚¸¡¸.4 ‚›¡¸ 29I.4 Other 663604.08 243547.82 907151.90

30 ¸½. £¤¸” œ¥¸¸¦¬’ˆÅ ‡¨¸¿ ‚›¡¸ „÷œ¸¸™ 30 J.Rubber Plastic and their Products 528023.29 159340.37 687363.66

31ˆ½Å. Š¥¸¸¬¸ ‡¨¸¿ Š¥¸¸¬¸¨¸½¡¸£ 31K. Glass and Glassware 185707.64 103174.48 288882.13

32‡¥¸. ¬¸úŸ¸Ê’ ‡¨¸¿ ¬¸úŸ¸Ê’ „÷œ¸¸™ 32L. Cement and Cement Products 173919.97 40675.58 214595.55

33‡Ÿ¸. Ÿ¸»¥¸ š¸¸÷¸º ‡¨¸¿ š¸¸÷¸º „÷œ¸¸™ 33M. Basic Metal and Metal Products 2694960.00 828671.49 3523631.49

34‡Ÿ¸.1 ¥¸¸¾í ‡¨¸¿ ¬’ú¥¸ 34M.1 Iron and Steel 2147253.14 607422.71 2754675.85

35‡Ÿ¸.2 ‚›¡¸ š¸¸÷¸º ‡¨¸¿ š¸¸÷¸º „÷œ¸¸™ 35M.2 Other Metal and Metal Products 547706.86 221248.78 768955.64

36‡›¸. ¬¸Ÿ¸¬÷¸ ƒ¿¸ú¢›¸¡¸¢£¿Š¸ 36N. All Engineering 1222243.14 1226666.50 2448909.65

37‡›¸.1 ƒ¥¸¾Æ’︽¢›¸Æ¬¸ 37N.1 Electronics 249879.51 118888.11 368767.62

38‡›¸.2 ‚›¡¸ ƒ¿¸ú¢›¸¡¸¢£¿Š¸ 38N.2 Other Engg 972363.64 1107778.39 2080142.03

11
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

ÇÅŸ¸. ¬¸¿. „Ô¸¸½Š¸ Industry ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ˆºÅ¥¸

FB Exposure NFB Exposure Total
39‚¸½. ¨¸¸í›¸, ¨¸¸í›¸ œ¸º¸½Ä ‚¸¾£ œ¸¢£¨¸í›¸ 39O. Vehicles,vehicle parts and 279181.55 104673.55 383855.10
Transport Equipments
„œ¸¬ˆÅ£
40œ¸ú. ¸½Ÿ¬¸ ‡¨¸¿ ¨¸¾¥¸£ú 40P. Gems and Jewellery 234038.88 15332.40 249371.28

41Æ¡¸». ¢›¸Ÿ¸¸Äµ¸ 41Q. Construction 1141161.08 261752.56 1402913.64

42‚¸£. ¬¸¿£¸›¸¸ 42R. Infrastructure 4587987.16 1275037.70 5863024.86

43‚¸£.1 œ¸¢£¨¸í›¸ 43R.1 Transport 981326.51 408678.24 1390004.75

44‚¸£.1.1 £½¥¸¨¸½ 44R.1.1 Railways 19409.78 260.52 19670.30

45‚¸£.1.2 ¬¸”õˆÅ œ¸¢£¨¸í›¸ 45R.1.2 Roadways 749362.05 329620.58 1078982.63

46‚¸£.1.3 ¢¨¸Ÿ¸¸›¸›¸ 46R.1.3 Aviation 47295.54 6004.63 53300.17

47‚¸£.1.4 ¸¥¸ œ¸¢£¨¸í›¸ 47R.1.4 Waterways 12835.14 4893.06 17728.20

48‚¸£.1.5 ‚›¡¸ œ¸¢£¨¸í›¸ 48R.1.5 Others Transport 152424.00 67899.45 220323.45

49‚¸£.2 …¸¸Ä 49R.2 Energy 2473974.97 403610.79 2877585.75

50‚¸£.2.1 ¢¨¸Ô¸º÷¸ ¸½›¸-’︿¬¸--¢”¬’ïú¤¡¸»©¸›¸ 50R.2.1Electricity gen-trans--distribution 2348949.86 374421.25 2723371.11

51‚¸£.2.1.1 ƒ›¸Ÿ¸Ê ¬¸½ £¸¡¸ ¢¤¸¸¥¸ú ¤¸¸½”Ä 51R.2.1.1 of which state electricity Board 316199.84 23067.66 339267.49

52‚¸£.2.2 ÷¸½¥¸ 52R.2.2 Oil 36657.53 2515.38 39172.92

53‚¸£.2.3 Š¸¾¬¸ / ‡¥¸‡›¸¸ú (¬’¸½£½¸ ‡¨¸¿ œ¸¸ƒœ¸ 53R.2.3 Gas/LNG (STORAGE AND 423.82 454.83 878.65
PIPELINE
¥¸¸ƒ›¸)
54‚¸£.2.4 ‚›¡¸ 54R.2.4 OTHER 87943.76 26219.32 114163.08

55‚¸£.3 ’½¢¥¸ˆÅŸ¡¸»¢›¸ˆ½Å©¸›¸ 55R.3 TELECOMMUNICATION 557422.89 179770.04 737192.93

56‚¸£.4 ‚›¡¸ 56R.4 OTHERS 575262.78 282978.64 858241.42

57‚¸£.4.1 ¸¥¸ ¬¨¸Ž÷¸¸ 57R.4.1 WATER SANITATION 110375.64 78486.32 188861.97

58‚¸£.4.2 ¬¸¸Ÿ¸¸¢¸ˆÅ ‡¨¸¿ ¨¸¸¢µ¸¦¡¸ˆÅ ¬¸¿£¸›¸¸ 58R.4.2 Social and Commercial 93203.20 31332.73 124535.93
Infrastructure
59‚¸£.4.3 ‚›¡¸ 59R.4.3 Others 371683.93 173159.59 544843.52

60‡¬¸. ‚›¡¸ „Ô¸¸½Š¸ 60S Other Industries 3095332.49 787114.67 3882447.16

¬¸ž¸ú „Ô¸¸½Š¸ (ˆºÅ¥¸) All Industries 20600678.71 6623176.55 27223855.26

‚¨¸¢©¸«’ ‚›¡¸ ‚¢ŠÏŸ¸ Residuary other advances 31011306.14 6694286.48 37705592.62

61’ú.1 ¢©¸®¸¸ †µ¸ 61T.1 Education Loan 280975.02 2019.17 282994.19

62’ú.2 ¢¨¸Ÿ¸¸›¸›¸ ®¸½°¸ 62T.2 Aviation Sector 219371.13 191131.24 410502.37

’ú.3 ‚›¡¸ ¤¸ˆÅ¸¡¸¸ ‚¢ŠÏŸ¸ T.3 Other residuary Advances 30510959.99 6501136.07 37012096.06

ˆºÅ¥¸ †µ¸ ‡¨¸¿ ‚¢ŠÏŸ¸ Total Loans & Advances 51611984.85 13317463.03 64929447.88

„Ô¸¸½Š¸¸Ê Ÿ¸Ê †µ¸ ‡Æ¬¸œ¸¸½{¸£, ¸í¸¿ ¤¸ˆÅ¸¡¸¸ ‡Æ¬¸œ¸¸½{¸£ ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ‹¸£½¥¸» †µ¸ Credit exposure in industries where exposure is more than 5% of the
‡Æ¬¸œ¸¸½{¸£ ˆ½Å 5% ¬¸½ ‚¢š¸ˆÅ í¾, ƒ¬¸ œÏˆÅ¸£ í¾, total domestic credit exposure of the bank are as follows:

ÇÅŸ¸ „Ô¸¸½Š¸ ‡Æ¬¸œ¸¸½{¸£ £¸¢©¸ (¥¸¸‰¸ ². Ÿ¸Ê) ˆºÅ¥¸ ‹¸£½¥¸» ‡Æ¬¸œ¸¸½{¸£ ˆÅ¸ %
¬¸¿‰¡¸¸ Industry Exposure amt. (in Lks.) % of Total Domestic
Exposure
Sr no
1 ƒ¿üŸ¬’ïƍ¸£ 5863024.86 9.03%
Infrastructure
2 Ÿ¸»¥¸ š¸¸÷¸º ‚¸¾£ š¸¸÷¸º „÷œ¸¸™ 3523631.49 5.43%
Basic Metal and Metal Products

12
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

‹¸. ‚¸¦¬÷¸¡¸¸Ê ˆÅú ‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ˆÅ¸ ¢¨¸ª¥¸½«¸µ¸À (£¸¢©¸ ¥¸¸‰¸ Ÿ¸½¿) d. Residual maturity breakdown of assets: (Amt in Lks)

¬¸Ÿ¸¡¸¸¨¸¢š¸ 1D 2-7 D 8-14 D 15-30 D 31-2 M 2-3 M 3-6M 6 - 12 M 1-3Y 3-5Y Over 5 Y TOTAL
Time Bucket
¬¸Ê’兩 ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ›¸ˆÅ™ú 1905026 13974 3858 110554 38771 66614 141024 233354 526482 157457 559334 3756448
‡¨¸¿ ©¸½«¸
Cash and Balance
with Central Banks
¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ 689471 1036474 504679 664006 575513 2191650 1767569 2351417 11426 141485 9767 9943457
Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£
™½¡¸ £¸¢©¸
Balances with Banks
& Money at call &
short notice
‚¢ŠÏŸ¸ 685690 674482 958721 2075623 2550944 3967298 3793390 2889869 15179587 3564893 2808101 39148599
Advances
¢›¸¨¸½©¸ 2535962 145979 76203 71230 154827 251660 189444 334021 1336952 1527628 6228515 12852422
Investments
‚¸¥¸ ‚¸¦¬÷¸¡¸¸¿ 0 0 0 0 0 0 0 0 453 25 635438 635917
Fixed assets
‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ 119193 27397 15957 44303 16024 60791 41559 33715 125336 54313 2205492 2744081
Other assets
ˆºÅ¥¸ 5935342 1898306 1559418 2965716 3336080 6538014 5932986 5842376 17180237 5445802 12446646 69080923
Total

(”õ) ‡›¸œ¸ú‡ ˆÅú £¸¢©¸ (ˆºÅ¥¸) (e) Amount of NPAs (Gross):

ÇÅŸ¸¸¿ˆÅ ‚¸¦¬÷¸ ª½µ¸ú Sr. Asset Category £¸¢©¸ ` ¥¸¸‰¸ Ÿ¸½¿ (ˆºÅ¥¸)
No. Amount in ` Lks (Total)
(‡ûÅ) ‡›¸œ¸ú‡ (¬¸ˆÅ¥¸) (f) NPAs (Gross): 4088859.48
‚¨¸Ÿ¸¸›¸ˆÅ Substandard 1167636.24
¬¸¿¢™Šš¸ 1 Doubtful 1 1459854.62
¬¸¿¢™Šš¸ 2 Doubtful 2 897425.21
¬¸¿¢™Šš¸ 3 Doubtful 3 238399.82
í¸¢›¸ Loss 325543.59
(¸ú) ©¸ºÖ ‡›¸œ¸ú‡ (g) Net NPA’s 1954452.50
ˆºÅ¥¸ Total
(‡¸) ‡›¸œ¸ú‡ ‚›¸ºœ¸¸÷¸ (h) NPA Ratios
¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ Gross NPAs to gross advances 9.89%
¢›¸¨¸¥¸ ‚¢ŠÏŸ¸ Ÿ¸Ê ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ Net NPAs to net advances 4.99%
(‚¸ƒÄ) ‡›¸œ¸ú‡ (¬¸ˆÅ¥¸) ˆÅ¸ Ÿ¸»¨¸Ÿ¸Ê’ (i) Movement of NPA(Gross)
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ Opening balance 1648139.01
¸¸½”õ Additions 2801527.10
ˆÅŸ¸ú Reductions 360806.64
‚¦›÷¸Ÿ¸ ©¸½«¸ Closing balance 4088859.48
(¸½) ¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸ (j) Specific Provision
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ Opening balance 833980.32
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œÏ¸¨¸š¸¸›¸ Provision made during the year 1455397.54
¤¸Ø½ ‰¸¸÷¸¸ ”¸¥¸›¸¸ (ˆÅ’¸¾÷¸ú ‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£) Write off (Deduction & Exch Diff) 155405.06
‚¢š¸ˆÅ œÏ¸¨¸š¸¸›¸ ˆÅ¸ œÏ¢÷¸¥¸½‰¸›¸ Write back of excess provision 434.18
‚¿¢÷¸Ÿ¸ ©¸½«¸ Closing balance 2134406.98
‡½¬¸½ ¤¸Ø½ ‰¸¸÷¸½ ¸¸½ ¬¸úš¸½ íú ‚¸¡¸ ¢¨¸¨¸£µ¸ œ¸°¸ Ÿ¸½¿ Write-offs that have been booked directly 13982.15
to income statement
©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ Š¸‡ íÿ
¨¸¬¸»¥¸ú, ¸¸½ ¬¸úš¸½ íú ‚¸¡¸ ¢¨¸¨¸£µ¸ œ¸°¸ Ÿ¸½¿ ©¸¸¢Ÿ¸¥¸ Recoveries that have been booked 6781.48
directly to income statement
¢ˆÅ‡ Š¸‡ íÿ
Š¸¾£ ¢›¸«œ¸¸™ˆÅ ¢›¸¨¸½©¸ Non Performing Investments

13
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(ˆ½Å) Š¸¾£ ¢›¸«œ¸¸™ˆÅ ¢›¸¨¸½©¸ ˆÅú £¸¢©¸ (k) Amount of Non-Performing Investments 73535.05

(‡¥¸) Š¸¾£ ¢›¸«œ¸¸™ˆÅ ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ £‰¸½ Š¸¡¸½ œÏ¸¨¸š¸¸›¸ ˆÅú (l) Amount of provisions held for non- 55007.14
performing investment
£¸¢©¸
(‡Ÿ¸) ¢›¸¨¸½©¸ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ í½÷¸º œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ Ÿ¸»¨¸Ÿ¸Ê’ (m) Movement of provisions for depreciation
on investments
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ Opening balance 82912.86

‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œÏ¸¨¸š¸¸›¸ Provisions made during the period 40021.42

¤¸Ø½ ‰¸¸÷¸½ ”¸¥¸›¸¸ Write-off 1807.27

‚¢š¸ˆÅ œÏ¸¨¸š¸¸›¸¸½¿ ˆÅ¸ œÏ¢÷¸¥¸½‰¸›¸ Write-back of excess provisions 9786.22

‚¿¢÷¸Ÿ¸ ©¸½«¸ Closing balance 130913.23

(‡›¸) œÏŸ¸º‰¸ „Ô¸¸½Š¸ ¡¸¸ ˆÅ¸„¿’£ œ¸¸’úÄ œÏˆÅ¸£ (n) By major Industry or Counter party type

i) 5 „¸ „Ô¸¸½Š¸¸½ ˆÅú ‡›¸œ¸ú‡ £¸¢©¸ i) NPA amount of top 5 industries

a) Basic Metal & Metal products 857971.14
ˆÅ) Ÿ¸»¥¸ š¸¸÷¸º ‡¨¸¿ š¸¸÷¸º „÷œ¸¸™
b) Infrastructure 382754.23
‰¸) ƒ¿üŸ¬’ïƍ¸£
c) Textiles 197135.33
Š¸) ’½Æ¬¸’¸ƒÄ¥¬¸
d) Mining and Quarrying 157265.22
‹¸) ‰¸›¸›¸ ‡¨¸¿ „÷‰¸›¸›¸ e) All Engineering 151535.11
”õ) ¬¸ž¸ú ƒ¿¸ú¢›¸¡¸¢£¿Š¸
ii) „œ¸£¸½Æ÷¸ œ¸¸¿¸ „Ô¸¸½Š¸¸½ ˆ½Å ¢¥¸‡ ¢¨¸¢©«’ ii) Specific provision of the above 693806.99
mentioned 5 industries
œÏ¸¨¸š¸¸›¸
iii) ˆÅ. ¸¸¥¸» ‚¨¸¢š¸ Ÿ¸½¿ ¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸ iii) a. Specific provisions during 220220.98
the current period
iii) ‰¸. ¸¸¥¸» ‚¨¸¢š¸ Ÿ¸½¿ ¤¸Ø½ ‰¸¸÷¸½¿ Ÿ¸½¿ ”¸¥¸›¸¸ iii) b. Write offs during the current 134049.45
period
(‚¸½) ¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸¸½¿ ¬¸¢í÷¸ ¢¨¸¢©¸«’ ž¸¸¾Š¸¸½¢¥¸ˆÅ ®¸½°¸ (o) Amt. of Gross NPAs provided separately
by significant geographical areas
¬¸ˆÅ¥¸ ‡›¸œ¸ú‡
׸£¸ ‚¥¸Š¸ ¬¸½ œÏ¸¨¸š¸¸¢›¸÷¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ ˆÅú £¸¢©¸ Gross NPA
including specific provisions
‹¸£½¥¸» Dom 3350823.87

‹¸£½¥¸» ‚›¸º«¸¿¢Š¸¡¸¸¿
Dom
subsidiary 12963.28

‚¿÷¸££¸«’ú
Intl 701280.31

‚¿÷¸££¸«’ú
‚›¸º«¸¿¢Š¸¡¸¸¿
Intl subsidiary 23792.02

¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸ Specific Provisions

¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸
Specific
Provisions

‹¸£½¥¸» Dom 1702620.15

‹¸£½¥¸» ‚›¸º«¸¿¢Š¸¡¸¸¿
Dom
subsidiary 10190.48

‚¿÷¸££¸«’ú
Intl 408837.83

‚¿÷¸££¸«’ú
‚›¸º«¸¿¢Š¸¡¸¸¿
Intl subsidiary 12758.52

14

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œÏˆÅ’úˆÅ£µ¸
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‚¸ƒ¬¸ú‚¸£‡, ¬Ÿ¸½£¸ (‡¬¸‡Ÿ¸ƒÄ £½¢’¿Š¸ ‡¸Ê¬¸ú ‚¸ÁûÅ ƒ¿¢”¡¸¸ ¢¥¸.) ‡¨¸¿ ‹¸£½¥¸» ‡Æ¬¸œ¸¸½¸£
ˆ½Å ¢¥¸‡ ¢¤ÏˆÅ ¨¸ˆÄÅ ƒ¿¢”¡¸¸ œÏ¸. ¢¥¸. ˆÅú ‹¸£½¥¸» †µ¸ ‡Æ¬¸œ¸¸½¸£ í½÷¸º £½¢’¿Š¸ ˆÅ¸½ ¬¨¸úˆÅ¸£
ˆÅ£÷¸¸ í¾. ¢¨¸™½©¸ú †µ¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ¬’½µ””Ä ‡¨¸¿ œ¸»‚£, Ÿ¸»”ú ‡¨¸¿ ¢ûō¸
ˆÅú £½¢’¿Š¸ ¬¨¸úˆÅ¸£ ˆÅ£÷¸¸ í¾.
¤¸ÿˆÅ, ˆÅ¸œ¸¸½Ä£½’ ÷¸˜¸¸ ¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ œÏ¢÷¸«“¸›¸ ˆ½Å „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ƒÄ¬¸ú‡‚¸ƒÄ ¬¸½
£½¢’¿Š¸ ¥¸½›¸½ ˆÅ¸½ œÏ¸½÷¬¸¸¢í÷¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ¸í¸Â ˆÅíú¿ ‡½¬¸ú £½¢’¿Š¸ „œ¸¥¸¤š¸ í¾, ¨¸í¸Â
¸¸½¢‰¸Ÿ¸ œ¸£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ƒ›¸ £½¢’¿Š¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ¢ˆÅ¡¸¸ í¾.¢›¸Ÿ›¸¢¥¸¢‰¸÷¸
÷¸ú›¸ œÏŸ¸º‰¸ ¸¸½¢‰¸Ÿ¸ ¬¸Ÿ¸»í¸Ê Ÿ¸Ê Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸ (Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ‚¸¾£ Š¸¾£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸) ˆ½Å
‚›¸º¬¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å œ¸ä¸¸÷¸, ¸¸½¢‰¸Ÿ¸ £¸¢©¸ ˆÅ¸ ¤¸ˆÅ¸¡¸¸ ©¸½«¸ ƒ¬¸ œÏˆÅ¸£ íÿ.
¸¸½¢‰¸Ÿ¸ ž¸¸£ ˆÅú ª½µ¸ú Category of Risk Weight
100% ¸¸½¢‰¸Ÿ¸ ž¸¸£ ¬¸½ ˆÅŸ¸ Below 100% risk weight
100% ¸¸½¢‰¸Ÿ¸ ž¸¸£ 100% risk weight
100% ¸¸½¢‰¸Ÿ¸ ž¸¸£ ¬¸½ ‚¢š¸ˆÅ More than 100 % risk weight
¬¸ú‚¸£‡Ÿ¸ ˆÅ’¸¾÷¸ú CRM DEDUCTED
ˆºÅ¥¸ ‡Æ¬¸œ¸¸½{¸£ (‡ûÅ ¤¸ú+‡›¸ ‡ûÅ ¤¸ú) Total Exposure ( FB+NFB)
”ú‡ûÅ 5.‚¢ŠÏŸ¸ ¸¸½¢‰¸Ÿ¸ ›¡¸»¢›¸ˆÅ£µ¸ À Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸ ˆÅ¸ œÏˆÅ’úˆÅ£µ¸
ˆÅ. ¤¸ÿˆÅ ‚œ¸›¸½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê œ¸£ ‡Æ¬¸œ¸¸½¸£ (¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ÷¸˜¸¸ Š¸¾£ ¢›¸¢š¸
‚¸š¸¸¢£÷¸) ˆÅ¸½ ¬¸¿£¢®¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆÅú œÏ¢÷¸ž¸»¢÷¸¡¸¸Â (¸¸½
¢ˆÅ ¬¸¿œ¸¸¢æ¸ÄˆÅ ³Åœ¸ Ÿ¸Ê ž¸ú í¸½ ¬¸ˆÅ÷¸ú í¾) œÏ¸œ÷¸ ˆÅ£÷¸½ íÿ. ¤¸ÿˆÅ ›¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä
¤¸ÿˆÅ ˆ½Å ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆºÅŽ ‚¢ŠÏŸ¸ ¸¸½¢‰¸Ÿ¸ ›¡¸»›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸£½
Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£ Ÿ¸Ê ˆÅŸ¸ú ˆÅú ›¸ú¢÷¸ ˆÅ¸½ ‚œ¸›¸¸¡¸¸ í¾. ¸í¸¿ ˆÅíú¿ ˆÅ¸œ¸¸½Ä£½’ Š¸¸£¿’ú
‚¢ŠÏŸ¸ ¸¸½¢‰¸Ÿ¸ ›¡¸»›¸ ˆÅ£›¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê „œ¸¥¸¤š¸ í¾, ‚¢ŠÏŸ¸ ¸¸½¢‰¸Ÿ¸ „œ¸¥¸¤š¸
Š¸¸£¿’ú ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ Š¸¸£¿’ú™¸÷¸¸‚¸Ê ˆÅ¸½ ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¬¸¸Ÿ¸¸›¡¸÷¸À
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏˆÅ¸£ ˆÅú œÏ¢÷¸ž¸»¢÷¸¡¸¸Â (Ÿ¸º‰¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Â ‚˜¸¨¸¸ ¬¸¿œ¸¸¢æ¸ÄˆÅ
œÏ¢÷¸ž¸»¢÷¸¡¸¸Â) ¥¸ú ¸¸÷¸ú íÿ.
1. ¬’¸ÁˆÅ, ¸¥¸ Ÿ¸©¸ú›¸£ú ƒ÷¡¸¸¢™ ¸¾¬¸ú ¸¥¸ ‚¸¦¬÷¸¡¸¸Â.
2. ž¸»¢Ÿ¸, ¢¤¸¦¥”¿Š¸, œ¥¸¸¿’ ÷¸˜¸¸ Ÿ¸©¸ú›¸£ú ¸¾¬¸ú ‚¸¥¸ ‚¦¬÷¸¡¸¸Â.
3. ‚›¸ºŸ¸¸½¢™÷¸ ¬¸»¸ú ˆ½Å ‚›¸º¬¸¸£ ©¸½¡¸£
4. ¤¸ÿˆÅ ˆÅú ¬¨¸¸¢š¸ˆ¼Å÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Â.
5. £¸«’ïú¡¸ ¤¸¸÷¸ œÏŸ¸¸µ¸œ¸°¸, ¢ˆÅ¬¸¸›¸ ¢¨¸ˆÅ¸¬¸ œ¸°¸, ‡¥¸‚¸ƒ¬¸ú œ¸¸Á¢¥¸¢¬¸¡¸¸Â,
ˆ½Å›Íú¡¸/£¸¡¸ ¬¸£ˆÅ¸£¸Ê ‚¸¢™ ׸£¸ ¸¸£ú ˆÅú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸Â ƒ÷¡¸¸¢™
6. †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ - ˆÅ¢÷¸œ¸¡¸ ©¸÷¸¸½ô ˆ½Å ¬¸¸˜¸ ǽŢ”’ £½¢’¿Š¸ ‡¸½›¬¸ú ׸£¸
‚›¸ºŸ¸¸½¢™÷¸
7. †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ -£½¢’¿Š¸ ›¸íú¿ ˆÅú Š¸ƒÄ ˆÅ¢÷¸œ¸¡¸ ©¸÷¸¸½ô ˆ½Å ¬¸¸˜¸ ‡ˆÅ ¤¸ÿˆÅ
׸£¸ ¸¸£ú
8. Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆÅú ¡¸»¢›¸’Ê
9. Š¸¾£ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆ½Å œ¸½’½ ›¸ˆÅ™ú Ÿ¸¸¢¸Ä›¸.
10. ¬¨¸µ¸Ä ‡¨¸¿ ¬¨¸µ¸Ä ‚¸ž¸»«¸µ¸
¤¸ÿˆÅ ˆ½Å œ¸¸¬¸, ¤¸ÿˆÅ ˆÅ¸½ œÏž¸¸¢£÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸½í÷¸£
›¸ú¢÷¸ „œ¸¥¸¤š¸ í¾.
¤¸ÿˆÅ ›¸½ …œ¸£ ÇÅŸ¸ ¬¸¿‰¡¸¸ 4 ¬¸½ 10 œ¸£ „¦¥¥¸¢‰¸÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ †µ¸
¸¸½¢‰¸Ÿ¸ í½÷¸º Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸ ¤¸¸¬¸½¥¸-II ˆ½Å ‚›÷¸Š¸Ä÷¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ú ˆ½Å
ˆÅ¸£ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢¥¸¡¸¸ í¾
¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures
DF 4. Credit Risk : Disclosures for Portfolios Subject to the
Standardized Approaches
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, Moody’s 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:
ˆºÅ¥¸ (£¸¢©¸ ¥¸¸‰¸¸½¿ Ÿ¸½) TOTAL (Amt In Lks)
3,48,55,461.65
2,03,96,024.81
52,72,339.26
44,05,622.15
6,49,29,447.88
DF 5. Credit risk mitigation: Disclosures for Standardized
Approaches
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. Moveable assets like stocks, moveable machinery etc.
2. Immoveable assets like land, building, plant &
machinery.
3. Shares as per approved list
4. Bank’s own deposits
5. NSCs, KVPs, LIC policies, Securities issued by Central
& State Governments etc.
6. Debt securities - rated by approved credit rating
agency- with certain conditions
7. Debt securities- not rated- issued by a bank- with
certain conditions
8. Units of Mutual funds
9. Cash Margin against Non-fund based facilities
10. Gold and Gold Jewelry.
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,
following Comprehensive Approach of Basel II norms.
15
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

¤¸ÿˆÅ ˆ½Å †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ‡¨¸¸ Ÿ¸Ê Š¸¸£¿’ú™¸÷¸¸‚¸Ê ˆ½Å œÏŸ¸º‰¸ œÏˆÅ¸£ The main types of guarantors against the credit risk of the bank are:
¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
• Individuals (Personal guarantees)
• ¨¸¾¡¸¢Æ÷¸ˆÅ (¨¡¸¦¨÷¸Š¸÷¸ Š¸¸£¿¢’¡¸¸¿)
• Corporate/PSEs
• ˆÅ¸œ¸¸½Ä£½’ì¸ / œ¸ú ‡¬¸ ƒÄ
• Central Government
• ˆ½Å›Íú¡¸ ¬¸£ˆÅ¸£
• State Government
• £¸¡¸ ¬¸£ˆÅ¸£
• ƒÄ¬¸ú¸ú¬¸ú • ECGC

• ¬¸ú¸ú’ú‡Ÿ¸‡¬¸ƒÄ • CGTMSE

¬¸ú‚¸£‡Ÿ¸ ¬¸¿œ¸¸¢æ¸ÄˆÅ œÏŸ¸º‰¸÷¸À ¤¸ÿˆÅ ˆÅú ¬¨¸¡¸¿ ˆÅú ¸Ÿ¸¸-£¸¢©¸¡¸¸Ê ˆ½Å œ¸½’½ †µ¸¸Ê
Ÿ¸Ê ‚¸¾£ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê, ‡¥¸‚¸ƒÄ¬¸ú œ¸¸Á¢¥¸¢¬¸¡¸¸Ê ˆ½Å œ¸½’½ †µ¸¸Ê Ÿ¸Ê „œ¸¥¸¤š¸
í¸½÷¸½ íÿ ‚˜¸¸Ä÷¸ ¡¸½ ˆºÅ¥¸ ¬¸ú‚¸£‡Ÿ¸ ˆÅ¸ œÏŸ¸º‰¸ ž¸¸Š¸ í¸½÷¸½ íÿ.
¬¸ú‚¸£‡Ÿ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿, Š¸¾£ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¬¸º¢¨¸š¸¸‚¸Ê ¸¾¬¸½ Š¸¸£¿¢’¡¸¸Ê ‚¸¾£
†µ¸-œ¸°¸¸Ê Ÿ¸Ê ž¸ú ¥¸ú ¸¸÷¸ú íÿ.
¤¸ÿˆÅ ˆ½Å ‡Æ¬¸œ¸¸½¸¬¸Ä ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸ú‚¸£‡Ÿ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „œ¸¥¸¤š¸ œ¸¸°¸
Š¸¸£¿’£¸Ê (¤¸¸¬¸½¥¸ —— ˆ½Å ‚›¸º¬¸¸£) Ÿ¸Ê ˆ½Å›Íú¡¸/£¸¡¸ ¬¸£ˆÅ¸£, ƒÄ¬¸ú¸ú¬¸ú,
¬¸ú¸ú’ú‡¬¸‚¸ƒÄ, ˆÅ¸„¿’£ œ¸¸’úÄ ˆÅú ‚œ¸½®¸¸ ˆÅŸ¸ ¸¸½¢‰¸Ÿ¸ ž¸¸£ ¨¸¸¥¸½ ¤¸ÿˆÅ ¨¸
œÏ¸˜¸¢Ÿ¸ˆÅ ”ú¥¸£ ÷¸˜¸¸ ‚›¡¸ ¬¸¿¬˜¸¸‡¿ (Ÿ¸º‰¡¸÷¸À œ¸½£Ê’, ‚›¸º«¸¿Š¸ú ÷¸˜¸¸ ¬¸¿¤¸Ö
ˆ¿Åœ¸¢›¸¡¸¸¿) ¢¸›íÊ ‡‡ (-) ¡¸¸ ¤¸½í÷¸£ £½¢’¿Š¸ ™ú Š¸ƒÄ í¾, ©¸¸¢Ÿ¸¥¸ íÿ.
‰¸. œÏ÷¡¸½ˆÅ †µ¸ ¸¸½¢‰¸Ÿ¸ ¬¸¿¢¨¸ž¸¸Š¸ ˆ½Å ¢¥¸‡ ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£, ¸¸½ ¢ˆÅ œ¸¸°¸
¢¨¸î¸ú¡¸ ¬¸¿œ¸¸¢æ¸ÄˆÅ ׸£¸ ˆÅ¨¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, Ÿ¸¸¢¸Ä›¸ ˆÅ¸½ ¥¸Š¸¸›¸½ ˆ½Å œ¸ä¸¸÷¸
¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
CRM collaterals available in Loans Against Bank’s 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
Bank’s 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.
b. For each credit risk portfolio, total exposure that is covered
by eligible financial collateral, after application of haircut is as
under:

(£¸¢©¸ ¥¸¸‰¸ ` Ÿ¸Ê / Amt in Lks)

†µ¸ ¸¸½¢‰¸Ÿ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½¿ Credit Risk Portfolio Total

™½©¸ú Š¸¸£¿’ú Domestic Sovereign 0.00

¢¨¸™½©¸ú Š¸¸£¿’ú Foreign Sovereigns 0.00

¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ ˆÅú ƒˆÅ¸ƒ¡¸¸¿ Public Sector Entities 72540.57

‡Ÿ¸”ú¤¸ú‡¬¸, ¤¸ú‚¸ƒ‡¬¸ ‡¨¸¿ ‚¸ƒ‡Ÿ¸‡ûÅ MDBS, BIS and IMF 0.00

¤¸ÿˆÅ¸½¿ œ¸£ ™¸¨¸½ Claims on Banks 19008.33

‚¸£¿¢ž¸ˆÅ ”ú¥¸¬¸Ä Primary Dealers 0.00

ˆÅ¸Áœ¸¸½Ä£½’ Corporate 3121099.95

®¸½°¸ú¡¸ ¢£’½¥¸ ¬¸¿¢¨¸ž¸¸Š¸ Reg Retail Portfolio 1091632.60

‚¸¨¸¸¬¸ú¡¸ ¬¸¿œ¸¢î¸ Residential Property 11212.45

¨¸¸¢µ¸¦¡¸ˆÅ ¢£¡¸¥¸ ƒ¬’½’ Commercial Real Estate 36706.37

¢¨¸¢›¸¢™Ä«’ ª½¢µ¸¡¸¸¿ Specified Categories 49967.08

‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ Other Assets 3454.82

ˆöºÅ¥¸ TOTAL 4405622.16

16
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

Š¸. ‡Æ¬¸œ¸¸½¸£¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸, ¸¸½ ¢ˆÅ Š¸¸£¿¢’¡¸¸Ê ׸£¸ ˆÅ¨¸£ ¢ˆÅ‡ Š¸‡ íÿ, c. Details of exposures that are covered by Guarantees
(permitted by RBI)
(ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ‚›¸ºŸ¸÷¸)
(£¸¢©¸ ¥¸¸‰¸ ` Ÿ¸Ê /Amt in Lks)
¬¨¸³Åœ¸ ‚¸¢¬÷¸¡¸¸½¿ ˆÅú ”ú‚¸ƒÄ¬¸ú¸ú¬¸ú ¬¸ú¸ú‡ûÅ’ú ƒÄ¬¸ú¸ú¬¸ú ¬¸ú¸ú‡ûÅ’ú‡Ÿ¸‡¬¸ƒÄ ‡‡ ‡µ” ‡ £¸¡¸ ¬¸£ˆÅ¸£ ˆ½Å›Íú¡¸ ¬¸£ˆÅ¸£ ¤¸ÿˆÅ
œÏˆ¼Å¢÷¸ DICGC CGFT ECGC CGTMSE Š¸¸£¿’ú Š¸¸£¿’ú Š¸¸£¿’ú Š¸¸£¿’ú
Nature asset AA & A Gty State govt Central govt Gty by
desc gty gty Banks

¬¸¸¨¸Ä¸¢›¸ˆÅ Public Sector 133440.32 480686.44 4817.12

Entity
®¸½°¸ ˆÅú
ƒˆÅ¸ƒ¡¸¸¿
¤¸ÿˆÅ¸Ê œ¸£ ™¸¨¸½ Claims on
Banks

ˆÅ¸Áœ¸¸½Ä£½’ Corporate 339072.81 171.00 43822.31 3000.00 316343.20

¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ Regulatory 43.85 29549.04 106347.36 10048.26 103545.95

Retail
¢£’½¥¸
Portfolio
¬¸¿¢¨¸ž¸¸Š¸
‚¸¨¸¸¬¸ú¡¸ Residential 93440.41
Property
¬¸¿œ¸¢î¸
¨¸¸¢µ¸¦¡¸ˆÅ Comml. Real
Estate
¢£¡¸¥¸ ƒ¬’½’
¢¨¸¢›¸¢™Ä«’ Specified 1275.63
Categories
ª½¢µ¸¡¸¸¿
‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ Other Assets

ˆöºÅ¥¸ TOTAL 43.85 0.00 368621.85 107793.99 53870.57 136440.32 480686.44 518146.68

”ú‡ûÅ 6.œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ DF 6. Securitization:

a. The Bank has a Securitization Policy duly approved by
ˆÅ. ¤¸ÿˆÅ ˆÅú œÏ¢÷¸ž¸»¢÷¸ ›¸ú¢÷¸ í¾ ¢¸¬¸½ ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ›¸ú¢÷¸ ˆ½Å
its Board. As per the Policy the nature of portfolio to be
‚›¸º¬¸¸£ œÏ¢÷¸ž¸»÷¸ ¢ˆÅ¡¸½ ¸¸›¸½ ¨¸¸¥¸½ ¬¸¿¢¨¸ž¸¸Š¸ ˆÅú œÏˆ¼Å¢÷¸ ¢£’½¥¸ †µ¸ (‚¸¨¸¸¬¸ securitized are retail loans (housing loans, auto loans, and
†µ¸, ‚¸Á’¸½ †µ¸, œ¸¢£¬¸¿œ¸¢î¸¡¸¸Ê ˆ½Å œ¸½’½ ‚¢ŠÏŸ¸, ¨¸¾¡¸¦¨÷¸ˆÅ †µ¸ ÷¸˜¸¸ ¨Ï½¢”’ advance against properties, personal loans and credit cards)
ˆÅ¸”ì¸Ä) ‡¬¸‡¬¸‚¸ƒÄ ‡¨¸¿ ‚¸š¸¸£ž¸»÷¸ œ¸¢£¡¸¸½¸›¸¸ †µ¸ íÿ. SSI and Infrastructure projects loans.

¢™›¸¸¿ˆÅ 31 Ÿ¸¸¸Ä, 2016 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‚œ¸›¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ œÏ¢÷¸ž¸»÷¸ ˆÅ£›¸½ The Bank does not have any case of its assets securitized as
on 31st March 2016
ˆÅ¸ ˆÅ¸½ƒÄ Ÿ¸¸Ÿ¸¥¸¸ ›¸íú¿ í¾.
b. There is no case of retained exposure in respect of
‰¸. œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¢÷¸š¸¸¢£÷¸ ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ ˆÅ¸½ƒÄ Ÿ¸¸Ÿ¸¥¸¸ ›¸íú¿ í¾. securitization
¤¸ÿˆÅ ׸£¸ ‰¸£ú™½ Š¸‡ œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ ‡Æ¬¸œ¸¸½¸£ ˆÅú £¸¢©¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À Amount of securitization exposure purchased by the bank is
as under: -

(£¸¢©¸ ¥¸¸‰¸ ` Ÿ¸Ê / Amt in Lks)

¤¸¸à¸ †µ¸ £½¢’¿Š¸ ˆ½Å ‚›¸º¬¸¸£ ¤¸íú Ÿ¸»¥¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¤¸ºˆÅ ˆ½Å ‚›÷¸Š¸Ä÷¸ £‰¸ú ¸¸½¢‰¸Ÿ¸ ž¸¸£ % ¸¸½¢‰¸Ÿ¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ Ÿ¸»¥¡¸
¸¸½¢‰¸Ÿ¸ ž¸¸£ ª½µ¸ú Book value Š¸¡¸ú £¸¢©¸ RW % Risk adjusted value
Risk weight category as Amt held under banking
per external credit rating book

ˆºÅ¥¸/Total ©¸»›¡¸/NIL

17
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016
Š¸. ¤¸ÿˆÅ ˆÅú ¨¸«¸Ä 2015-16 ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸ú ¢ˆÅ¬¸ú ž¸ú Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸ ˆÅ¸
œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ ˆÅ£›¸½ ˆÅú ˆÅ¸½ƒÄ ¡¸¸½¸›¸¸ ›¸íú¿ í¾.
”ú‡ûÅ 7. ¨¡¸¸œ¸¸£ ¤¸íú Ÿ¸Ê ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸
¤¸ÿˆÅ ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ‡½¬¸ú ¬¸¿ž¸¸¨¡¸ í¸¢›¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£÷¸¸ í¾ ¸¸½ ¤¸¸¸¸£ Ÿ¸»¥¡¸¸Ê Ÿ¸Ê
œÏ¢÷¸ˆ»Å¥¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å ˆÅ¸£µ¸ í¸½ ¬¸ˆÅ÷¸ú í¾. ¨¡¸¸œ¸¸£ ¤¸íú Ÿ¸Ê ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ ˆ½Å ÷¸í÷¸
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸ œÏ¤¸¿š¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ íÿÀ
• ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸
• ˆÅ£Ê¬¸ú ¸¸½¢‰¸Ÿ¸
• Ÿ¸»¥¡¸ ¸¸½¢‰¸Ÿ¸
¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ ¢¨¸¢ž¸››¸ ¬¸úŸ¸¸‡¿ ¢›¸š¸¸Ä¢£÷¸ ˆÅú
íÿ ¸¾¬¸½ ¬¸ˆÅ¥¸ ¢›¸œ¸’¸›¸ ¬¸úŸ¸¸‡¿, í¸¢›¸£¸½š¸ˆÅ ¬¸úŸ¸¸‡¿, ‚¸¾£ Ÿ¸»¥¡¸ ¸¸½¢‰¸Ÿ¸ ¬¸úŸ¸¸‡¿.
¸¸½¢‰¸Ÿ¸ ¬¸úŸ¸¸‡¿, ‰¸º¥¸ú ¤¸¸¸¸£Š¸÷¸ ¦¬˜¸¢÷¸¡¸¸Ê ¬¸½ „÷œ¸››¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ¢›¸¡¸¿¢°¸÷¸ ˆÅ£÷¸ú
íÿ. í¸¢›¸£¸½š¸ˆÅ ¬¸úŸ¸¸, ¨¸¬¸»¥¸úˆ¼Å÷¸ ‚¸¾£ ‚¨¸¬¸»¥¸úˆ¼Å÷¸ í¸¢›¸¡¸¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê ¥¸½÷¸ú í¾.
¤¸ÿˆÅ ›¸½ ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¨¡¸¨¸¬¸¸¡¸ ¬¸¿¢¨¸ž¸¸Š¸ œ¸£ ¤¸¸¸¸£
¸¸½¢‰¸Ÿ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œ¸»¿¸ú œÏž¸¸£ ˆÅú Š¸µ¸›¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‡ˆÅ ¬¸Ÿ¸º¢¸÷¸ œ¸Ö¢÷¸ ÷¸¾¡¸¸£
ˆÅú í¾ ¡¸˜¸¸ Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ‚¨¸¢š¸ œ¸Ö¢÷¸. ƒ¬¸ œÏˆÅ¸£ ‚¸ˆÅ¢¥¸÷¸ œ¸»¿¸ú œÏž¸¸£ ˆÅ¸½ ¸¸½¢‰¸Ÿ¸
ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ³Åœ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ ¬¸ˆÅ¥¸ ¸¸½¢‰¸Ÿ¸
ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê, ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ¤¸¸¬¸½¥¸-III ˆ½Å ‚›÷¸Š¸Ä÷¸
¤¸ÿˆÅ ˆ½Å ¬¸ú‚¸£‡‚¸£ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
¢™›¸¸¿ˆÅ 31 Ÿ¸¸¸Ä 2016 ˆÅ¸½ ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ (Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ‚¨¸¢š¸ œ¸Ö¢÷¸ ˆ½Å ‚›¸º¬¸¸£)
¬¸¿¤¸¿š¸ú œ¸»¿¸ú œÏž¸¸£ ÷¸˜¸¸ ¸¸½¢‰¸Ÿ¸ ¨¸¸¥¸ú ‚¸¦¬÷¸¡¸¸¿ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ.
¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸ Interest Rate Risk
ƒ¦Æ¨¸’ú ¦¬˜¸¢÷¸ ¸¸½¢‰¸Ÿ¸ Equity Position Risk
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¸¸½¢‰¸Ÿ¸ Foreign Exchange Risk
ˆºÅ¥¸ œ¸»¿¸ú œÏž¸¸£ Total Capital Charge
”ú‡ûÅ 8. œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸
ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ›¸½ œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸ í½÷¸º œ¸»¿¸ú
‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸ ‚¸ˆÅ¥¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸š¸¸£ž¸»÷¸ ¬¸»¸ˆÅ œ¸Ö¢÷¸ ‚œ¸›¸¸¡¸ú í¾. Ÿ¸»¥¸
¬¸»¸ˆÅ œ¸Ö¢÷¸ ˆ½Å ‚›÷¸Š¸Ä÷¸ Š¸÷¸ 3 ¨¸«¸¸½ô ˆÅú ‚¸¾¬¸÷¸ ‚¸¡¸ ˆÅ¸½ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸ ÷¸ˆÅ
¥¸¸›¸½ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ Š¸¡¸¸ í¾.
”ú‡ûÅ 9. ¤¸ÿ¢ˆ¿ÅŠ¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸ (‚¸ƒÄ‚¸£‚¸£¤¸ú¤¸ú)
ˆÅ ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ™¸½ œ¸Ö¢÷¸¡¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢›¸š¸¸Ä¢£÷¸ ¨¸ Ÿ¸¸›¸ú’£ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
(i) ¸¸½¢‰¸Ÿ¸ œ¸£ ‚¸¡¸ (œ¸¸£¿œ¸¢£ˆÅ ‚›÷¸£ ¢¨¸©¥¸½«¸µ¸) (‚¥œ¸¸¨¸¢š¸)À
ƒ¬¸ œ¸Ö¢÷¸ ˆ½Å ÷¸í÷¸ ¤¡¸¸¸ ™£¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸¸Ê ˆÅ¸ ¤¸ÿˆÅ ˆÅú ©¸ºÖ ¤¡¸¸¸ ‚¸¡¸ œ¸£
œ¸”õ›¸½ ¨¸¸¥¸½ ÷¸÷ˆÅ¸¥¸ œÏž¸¸¨¸ ˆÅ¸ ¢¨¸©¥¸½«¸µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
¸¸½¢‰¸Ÿ¸ œ¸£ ‚¸¡¸ ˆÅ¸½ ¢¨¸¢ž¸››¸ œ¸¢£´©¡¸¸Ê Ÿ¸Ê ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¢¨¸©¥¸½¢«¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾.
1. ‚¸¡¸ £½‰¸¸ ¸¸½¢‰¸Ÿ¸ À ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆ½Å ¢¥¸‡ 1% ¬¸Ÿ¸¸›¸¸¿÷¸£
œ¸¢£¨¸÷¸Ä›¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ Š¸¡¸¸ í¾.
2. ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ª½µ¸ú-¨¸¸£ ¢ž¸››¸ ‚¸¡¸ œ¸¢£¨¸÷¸Ä›¸¸Ê ˆÅ¸ ‚›¸ºŸ¸¸›¸
¥¸Š¸¸¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ ¡¸½ ™½¡¸÷¸¸‚¸Ê œ¸£ ž¸ú ¥¸¸Š¸» í¸½÷¸½ íÿ.
3. ‡½¢÷¸í¸¢¬¸ˆÅ œÏ¨¸¼¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ‚¸š¸¸£ ¸¸½¢‰¸Ÿ¸ ‡¨¸¿ ¬¸Ÿ¸¸¢í÷¸ ¢¨¸ˆÅ¥œ¸
¸¸½¢‰¸Ÿ¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ Š¸¡¸¸ í¾.
18
c. The bank does not presently plan to securities any of its
standard assets during the year 2015-16
DF 7. 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:
• Interest Rate Risk
• Currency Risk
• Price risk
To manage risk, Bank’s 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.,
Standardized 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 Bank’s CRAR under Basel-III
Risk Weighted Assets and Capital Charge on Market Risk (as per
Standardized Duration Approach) as on 31st March 2016 are as
under:
9.625% œ¸£ ›¡¸»›¸÷¸Ÿ¸ œ¸»¿¸ú œÏž¸¸£ (£¸¢©¸ ¥¸¸‰¸¸½¿ Ÿ¸½¿)
Minimum Capital Charge at 9.625% (Amt in Lks)
170393.89
9374.87
56212.85
235981.61
DF 8. 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.
DF 9. 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 analyzed under this
approach.
The Earning at Risk is analyzed 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.
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(ii) ƒ¦Æ¨¸’ú ˆÅ¸ ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸ (‚¨¸¢š¸ ‚›÷¸£ ¢¨¸ª¥¸½«¸µ¸) (™ú‹¸¸Ä¨¸¢š¸)
¡¸í ˆÅ¸¡¸Ä ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ™½¡¸÷¸¸‚¸Ê ˆÅú ¬¸¿©¸¸½¢š¸÷¸ ‚¨¸¢š¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£ˆ½Å ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾ ÷¸¸¢ˆÅ ƒ¦Æ¨¸’ú ˆÅú ¬¸¿©¸¸½¢š¸÷¸ ‚¨¸¢š¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å.
• ƒ¬¸ œ¸Ö¢÷¸ ˆÅ¸½ ‚¸¡¸ Ÿ¸Ê ¢™‡ œ¸¢£¨¸÷¸Ä›¸ í½÷¸º ‚¸¡¸ £½‰¸¸ Ÿ¸Ê ¬¸Ÿ¸¸›÷¸£
¢©¸É’ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
• ƒ¦Æ¨¸’ú ˆ½Å ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸ œ¸£ œÏž¸¸¨¸ ˆÅ¸½ ¸¾¬¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½
¢¨¸©¥¸½¢«¸÷¸ ¢ˆÅ¡¸¸ í¾, ¢›¸¡¸¢Ÿ¸÷¸ ‚¿÷¸£¸¥¸¸Ê œ¸£ 200 ‚¸š¸¸£ ‚¿ˆÅú¡¸ ™£
í½÷¸º ¢¨¸©¥¸½¢«¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
• ¬¸¿¤¸¿¢š¸÷¸ œ¸¢£œ¸Æ¨¸÷¸¸ ˆ½Å ¢¥¸‡ ¤¸¸¸¸£ ¬¸í¤¸Ö ‚¸¡¸ ˆÅ¸½ ¬¸¿©¸¸½¢š¸÷¸
‚¨¸¢š¸ ˆÅú Š¸µ¸›¸¸ Ÿ¸Ê œÏ¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
¤¸ÿ¢ˆ¿ÅŠ¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸ ˆÅ¸ ¢¨¸©¥¸½«¸µ¸ ™¸½›¸¸Ê ‹¸£½¥¸» ÷¸˜¸¸
¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸¸Ê ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‹¸£½¥¸» œ¸¢£¸¸¥¸›¸¸Ê ˆ½Å ¢¥¸‡ ƒ¦Æ¨¸’ú
ˆ½Å ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸ ˆÅ¸ ‚¸ˆÅ¥¸›¸ ÷¸˜¸¸ ¢›¸Š¸£¸›¸ú ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾.
‰¸. ‚¸Ä›¸ Ÿ¸½¿ ¨¸¼¢Ö / ˆÅŸ¸ú ÷¸˜¸¸ ¤¡¸¸¸ ™£¸½¿ Ÿ¸½¿ œ¸¢£¨¸÷¸Ä›¸ í½÷¸º ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸
¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
(i) ¸¸½¢‰¸Ÿ¸ œ¸£ ‚¸Ä›¸À ¤¡¸¸¸ ™£¸Ê Ÿ¸Ê 200 ¤¸½¢¬¸¬¸ œ¨¸¸Áƒô’ì¸ ˆÅú ¨¸¼¢Ö ˆ½Å ˆÅ¸£µ¸
‡ˆÅ ¨¸«¸Ä ÷¸ˆÅ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢™›¸¸¿ˆÅ 31 Ÿ¸¸¸Ä 2016 ˆÅ¸½ ¤¡¸¸¸ ˆÅú
¬¸¿¨¸½™›¸©¸ú¥¸ ¦¬˜¸¢÷¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸½ ¤¡¸¸¸ ™£¸Ê Ÿ¸Ê íº‡ œ¸¢£¨¸÷¸Ä›¸ ˆÅú ©¸ºÖ ¤¡¸¸¸
‚¸¡¸ œ¸£ œÏž¸¸¨¸ ˆÅ¸½ ¢›¸Ÿ›¸ ¬¸¸£µ¸ú Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ í¾ À
(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
analyzed 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 bank’s 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 increase / decline in earnings and economic value for
change in interest rate shocks are as under:-
(i) Earning at Risk: The following table sets forth the impact on
the net interest income of changes in interest rates on interest
sensitive positions as on 31st March 2016, for a period of one
year due to 200 basis point upward movement in the interest
rate:

(£¸¢©¸ ¥¸¸‰¸ ` Ÿ¸Ê / Amt in Lks)

Ÿ¸ºÍ¸ Currency ¤¡¸¸¸ ™£¸Ê Ÿ¸Ê 200 ¤¸½¢¬¸¬¸ œ¸¸Áƒô’ì¸ ¨¸¼¦š™
200 Basis point upward movement in the interest rates

‚¸ƒÄ ‡›¸ ‚¸£ INR -9632.28

¡¸º£¸½ EUR 1302.56

¸ú¤¸úœ¸ú GBP 19048.21

¡¸º‡¬¸”ú USD 28970.44

‚›¡¸ Rest 12494.31

ii) ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸À 31 Ÿ¸¸¸Ä 2016 ˆÅ¸½ ¤¡¸¸¸ ™£¸Ê ˆÅú ¬¸¿¨¸½™›¸©¸ú¥¸ ¦¬˜¸¢÷¸ ˆ½Å ¬¸¿¤¸¿š¸ (ii) Economic Value: The following table sets forth the impact
Ÿ¸Ê ¤¡¸¸¸ ™£¸Ê Ÿ¸Ê íº‡ œ¸¢£¨¸÷¸Ä›¸ ˆÅ¸ ƒ¦Æ¨¸’ú ˆ½Å ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸ œ¸£ œÏž¸¸¨¸ ¢›¸Ÿ›¸ on economic value of equity of changes in interest rates on
interest sensitive positions at 31st March 2016,
¬¸¸£µ¸ú Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ í¾
(£¸¢©¸ ¥¸¸‰¸ ` Ÿ¸Ê / Amt in Lks)
Ÿ¸ºÍ¸ Currency ¤¡¸¸¸ ™£¸Ê Ÿ¸Ê 200 ¤¸½¢¬¸¬¸ œ¨¸¸Áƒô’ì¸ ˆÅú ¨¸¼¢Ö ˆ½Å ˆÅ¸£µ¸ ƒ¦Æ¨¸’ú ˆ½Å ¤¸¸¸¸£ Ÿ¸»¥¡¸ Ÿ¸Ê
œ¸¢£¨¸÷¸Ä›¸
Change in Market Value of Equity due to 200 basis point upward
movement in interest rate.

‚¸ƒÄ ‡›¸ ‚¸£ INR -240144.79

¡¸º£¸½ EUR 729.89

¸ú¤¸úœ¸ú GBP 25877.10

¡¸º‡¬¸”ú USD -1705.86

‚›¡¸ / Rest Rest -7521.27

19
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

”ú‡ûÅ 10. œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‡Æ¬¸œ¸¸½¸£¸Ê ˆ½Å ¢¥¸‡ ¬¸¸Ÿ¸¸›¡¸
œÏˆÅ’úˆÅ£µ¸
œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸ „¬¸½ ˆÅí¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê œÏ¢÷¸œ¸®¸ú ›¸ˆÅ™ú œÏ¨¸¸í ˆ½Å ûŸƒ›¸¥¸
¢›¸œ¸’¸›¸ ¬¸½ œ¸í¥¸½ ‚œ¸›¸¸ ¬¸¿¨¡¸¨¸í¸£ œ¸»£¸ ˆÅ£ ¥¸½÷¸¸ í¾. ¡¸í ”½£ú¨¸½¢’¨¸ ÷¸˜¸¸ œÏ¢÷¸ž¸»¢÷¸
¢¨¸î¸œ¸¸½«¸µ¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å ¢¥¸‡ ¸¸½¢‰¸Ÿ¸ ˆÅ¸ œÏŸ¸º‰¸ 踸½÷¸ í¾. ƒ¬¸ú œÏˆÅ¸£ ¥¸¸½›¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸
¬¸½ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¬¸Ÿ¸¸›¸ íú ¸í¸¿ †µ¸ ¸¸½¢‰¸Ÿ¸
¬¸¿¤¸¿š¸ú ‡Æ¬¸œ¸¸½¸£ ‡ˆÅ œ¸®¸ú¡¸ í¾ ‚¸¾£ ƒ¬¸Ÿ¸Ê „š¸¸£ ™½›¸½ ¨¸¸¥¸¸ ¤¸ÿˆÅ í¸¢›¸-¸¸½¢‰¸Ÿ¸ ˆÅ¸
¬¸¸Ÿ¸›¸¸ ˆÅ£÷¸¸ í¾, œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸ ¢×œ¸®¸ú¡¸ í¾ ‚˜¸¸Ä÷¸ ¬¸¿¨¡¸¨¸í¸£ ˆÅ¸ ¤¸¸¸¸£
Ÿ¸»¥¡¸ œÏ¢÷¸œ¸®¸ú ¬¸¿¨¡¸¨¸í¸£ ¬¸½ ƒ÷¸£ œ¸¸Á¸ú¢’¨¸ ¡¸¸ ¢›¸Š¸½¢’¨¸ í¸½ ¬¸ˆÅ÷¸¸ í¾ ‚¸¾£ ¤¸¸¸¸£
‹¸’ˆÅ¸Ê ˆ½Å ¬¸¿¸¥¸›¸ ˆ½Å ¬¸¸˜¸ íú ¢ž¸››¸ í¸½ ¬¸ˆÅ÷¸¸ í¾.
¸»ˆÅ ˆ½Å ¬¸Ÿ¸¡¸ ¡¸¢™ ¬¸¿¨¡¸¨¸í¸£ ¡¸¸ œÏ¢÷¸œ¸®¸ú ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ œ¸¸½’ÄûŸ½¢¥¸¡¸¸Ê Ÿ¸Ê
¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸ œ¸¢£¥¸¢®¸÷¸ í¸½÷¸½ íÿ ÷¸¸½ ‚¸¢˜¸ÄˆÅ í¸¢›¸ „“¸›¸ú œ¸”õ ¬¸ˆÅ÷¸ú íÿ.
¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ”½£ú¨¸½¢’¨¸ „÷œ¸¸™¸Ê ˆ½Å ¬¸Ÿ¸¸›¸ íú ¤¸íº÷¸ ¬¸½ „÷œ¸¸™ ‚¸ÁûÅ£ ˆÅ£÷¸¸
í¾ ÷¸¸¢ˆÅ ¨¸½ ¤¡¸¸¸ ™£ ÷¸˜¸¸ Ÿ¸ºÍ¸ ¬¸¿¤¸¿š¸ú ‚œ¸›¸ú ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¬¸¸˜¸ ¥¸½›¸-™½›¸ ˆÅ£ ¬¸ˆÊÅ
‚¸¾£ ”½£ú¨¸½¢’¨¸ ˆ½Å ¢¥¸‡ œÏ¸¢¥¸÷¸ ¤¸¸¸¸£ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ Ÿ¸¸¢¸Ä›¸ ‚¢¸Ä÷¸ ˆÅ£ ¬¸ˆÊÅ.
¬¸ž¸ú ‚¸½¨¸£ ™ ˆÅ¸„¿’£ ”½£ú¨¸½¢’¨¸ œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸ ˆÅú ‚¸½£ ¥¸½ ¸¸÷¸½ íÿ, ¢¸›íÊ
¢›¸¡¸¢Ÿ¸÷¸ ‚¿÷¸£¸¥¸ œ¸£ ¤¸ÿˆÅ Ÿ¸¸Á›¸ú’£ ˆÅ£÷¸¸ í¾. ƒ›¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆ½Å ¢¥¸‡ Ÿ¸¸¢¸Ä›¸ †µ¸
¸¸½¢‰¸Ÿ¸ ˆÅú Š¸ºµ¸¨¸î¸¸ ‚¸¾£ Ÿ¸¸°¸¸ ¬¸¸˜¸ íú ƒ¦Æ¨¸’ú œ¸£ ¨¸¸¿¢Ž÷¸ œÏ¢÷¸ ¥¸¸ž¸ ˆÅ¸½ ¢í¬¸¸¤¸
Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
¤¸ÿˆÅ ˆÅ¸ œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸, œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸ œ¸¸Á¢¥¸¬¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ¨¸£
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ¢ˆÅ¬¸ú œ¸¸’úÄ ˆÅ¸½ ”½£ú¨¸½¢’¨¸ „÷œ¸¸™ ™½›¸½ ¬¸½ œ¸í¥¸½ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£÷¸¸
í¾ ¢ˆÅ ¬¸ž¸ú Š¸ºµ¸¨¸î¸¸‚¸Ê - ‚˜¸¸Ä÷¸ ˆ½Å¨¸¸ƒÄ¬¸ú Ÿ¸¸›¸™¿”¸Ê, ¬¸¿÷¸º¦«’œ¸»µ¸Ä ¬¸¿¨¡¸¨¸í¸£¸Ê, œ¸¸’úÄ ˆÅú
†µ¸ œ¸¸°¸÷¸¸ ˆÅ¸ œ¸¸¥¸›¸ ¢ˆÅ¡¸¸ ¸¸‡ ‚¸¾£ ¢ûÅ£ ÷¸™Ã›¸º¬¸¸£ ¬¸¿¨¡¸¨¸í¸£ Ÿ¸Ê ‚œ¸½¢®¸÷¸ †µ¸
¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ú ˆÅ¸ ¢›¸µ¸Ä¡¸ ˆÅ£÷¸¸ í¾.
œÏ¢÷¸œ¸®¸ú †µ¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ÷¸˜¸¸ Ÿ¸¸Á›¸ú’£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ˆÅ¸œ¸¸½Ä£½’ ˆÅ¸½ ¢™‡
Š¸‡ ©¸½«¸ ”½£ú¨¸½¢’¨¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆÅú Ÿ¸¸Á›¸ú’¢£¿Š¸ Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾, ‚¸¾£
¤¸ÿˆÅ ˆÅú ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£.
‰¸. Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’úˆÅ£µ¸
¤¸ÿˆÅ ¢×œ¸®¸ú¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ œÏ™¸›¸ ›¸íú¿ ˆÅ£÷¸¸ í¾. ”½£ú¨¸½¢’¨¸
‡Æ¬¸œ¸¸½¸£ ˆÅú Š¸µ¸›¸¸ ˆÅ£¿’ ‡Æ¬¸œ¸¸½¸£ Ÿ¸¾˜¸” ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾
÷¸˜¸¸ 31.03.2016 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ©¸½«¸ ›¸ú¸½ ¢™¡¸¸ ¸¸ £í¸ í¾À-
DF 10. General Disclosures for Exposures Related to
Counterparty Credit Risk
Counterparty Credit Risk is defined as the risk that the counterparty
to a transaction could default before the final settlement of the
transaction’s cash flows and is the primary source of risk for
derivatives and securities financing transactions. Unlike a Bank’s
exposure to credit risk through a loan, where the exposure to credit
risk is unilateral and only the lending bank faces the risk of loss, the
counterparty credit risk is bilateral in nature i.e. the market value of the
transaction can be positive or negative to either counterparty to the
transaction and varying over time with the movement of underlying
market factors.
An economic loss would occur if the transactions or portfolio of
transactions with the counterparty has a positive economic value at
the time of default.
Bank offers many products like derivative products to customers
to enable them to deal with their exposures to interest rate and
currencies and to earn a margin over the ruling market price for
the derivative. All over-the-counter derivative leads to counterparty
credit exposures which bank monitors on a regular basis. The margin
loaded for these transactions also take into account of the quality
and quantity of the credit risk, and the desired return on equity.
The Banks exposure to counterparty credit Risk is covered under its
Counterparty Credit Risk Policy. Banks ensures all the due diligence
are to be adhered to viz. KYC norms, satisfactory dealing, credit
worthiness of the party before extending any derivative products to
the party and accordingly decides the level of credit risk mitigation
required in the transaction.
To mitigate and monitor the counter party credit exposure, the
outstanding derivative transactions to corporate are monitored on a
monthly basis and that to the Banks on quarterly basis.
b. Quantitative Disclosures
The Bank does not recognize bilateral netting. The derivative
exposure is calculated using Current Exposure Method (CEM)
and the balance out standing as on 31.03.2016 is given below:

(²Åœ¸‡ ¥¸¸‰¸ Ÿ¸½¿ / in INR Lks)

¢¨¸¨¸£µ¸ Particulars ˆÅ¦¥œ¸÷¸ £¸¢©¸ ¨¸÷¸ÄŸ¸¸›¸ ‡Æ¬¸œ¸¸½¸£
Notional Amounts Current Credit
Exposure(under
CEM)

¨¸¸¡¸™¸ ûŸÁ£½Æ¬¸ ¬¸¿¢¨¸™¸ (14 ¢™›¸ ¡¸¸ „¬¸¬¸½ ˆÅŸ¸) Forward forex Contracts(less than or equal to 4333767.00 57331.00
14 days)

¨¸¸¡¸™¸ ûŸÁ£½Æ¬¸ ¬¸¿¢¨¸™¸‡¿¿ (14 ¢™›¸ ¬¸½ ‚¢š¸ˆÅ) Forward forex Contracts(over 14 days) 9898942.82 195002.82

Ÿ¸ºÍ¸ ˆÅú ‚™¥¸¸ - ¤¸™¥¸ú Currency Future 0.00 0.00

Ÿ¸ºÍ¸ ¢¨¸ˆÅ¥œ¸ Currency Options 138799.00 1827.00

¤¡¸¸¸ ™£ (É¡¸»¸£) Interest rate future 0.00 0.00

œ¸¸£¬œ¸¢£ˆÅ Ÿ¸ºÍ¸ ¤¡¸¸¸ ™£ ˆÅú ‚™¥¸¸ - ¤¸™¥¸ú Cross Currency Interest Rate Swap 70895.00 5129.00

‡ˆÅ¥¸ Ÿ¸ºÍ¸ ¤¡¸¸¸ ™£ ˆÅú ‚™¥¸¸ - ¤¸™¥¸ú Single Currency Interest Rate Swap 3249219.00 52699.00

20
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

¬¸¸£µ¸ú ”ú‡ûÅ-11- œ¸»¿¸ú ¬¸¿¡¸¸½¸›¸ Table DF – 11: Composition of Capital

¤¸¸¬¸½¥¸ III ¬¸¸Ÿ¸¸›¡¸ œÏˆÅ’úˆÅ£µ¸ ›¸Ÿ¸»›¸¸ Basel III Common disclousure template (Transitional Period - April 1
2013 to December 31, 2017)
(¬¸¿¢š¸ˆÅ¸¥¸ - 1 ‚œÏ¾¥¸ 2013 ¬¸½ 31 ¢™¬¸¿¤¸£ 2017 ÷¸ˆÅ)

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
¬¸¸Ÿ¸¸›¡¸ ƒÄ¦Æ¨¸’ú ’ú¡¸£ 1 œ¸»¿¸ú À Common Equity Tier 1 Capital :
instruments and reserves
¢¥¸‰¸÷¸ ‡¨¸¿ œÏ¸£¢®¸÷¸ ¢›¸¢š¸¡¸¸¿
1 œÏ÷¡¸®¸÷¸À ¸¸£ú ˆÅú Š¸ƒÄ ¢¨¸©¸½«¸ˆÅ ¬¸¸Ÿ¸¸›¸Ã¡¸ Directly issued qualifying common 112483.02 A+D
share capital plus related stock
©¸½¡¸£ œ¸»¿¸ú ÷¸˜¸¸ ¬¸¿¤¸Ö ¬’¸ÁˆÅ ‚¢š¸©¸½«¸
surplus (share premium)
(©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸)
2 ¬¸¿¤¸Ö ‚¸Ä›¸ Retained Earnings 254880.60 B+E+I+F+(75%H)+
Includes Minority
share of ` 831.9 Mn
3 ¬¸¿¢¸÷¸ ‚›¡¸ ¨¡¸¸œ¸ˆÅ ‚¸¡¸ (‚¸¾£ ‚›¡¸ Accumulated other comprehensive 61726.08 C (less)
income ( and other reserve) Revaluation reserve
œÏ¸£¢®¸÷¸ ¢›¸¢š¸ )
(` 4137.86)
4 œÏ÷¡¸®¸÷¸À ¸¸£ú ˆÅú Š¸ƒÄ œ¸»¿¸ú ¸¸½ ¸£µ¸¤¸Ö Directly issued capital subject
to phase out from CET1 (only
²Åœ¸ ¬¸½ ¬¸úƒÄ’ú 1 ˆ½Å ‚š¸ú›¸ í¾. (ˆ½Å¨¸¥¸
applicable to non-joint stock
Š¸¾£ ¬¸í¡¸¸½Š¸ú ¬’¸ÁˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¢¥¸‡ companies)
¥¸¸Š¸»)
¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ Ÿ¸Ê œ¸»¿¸úŠ¸÷¸ ‚¢ž¸™¸›¸ ˆÅ¸½ 1 Public sector capital injections
grandfathered until 1 January 2018
¸›¸¨¸£ú, 2018 ÷¸ˆÅ ¬¸¿£®¸µ¸
5 ‚›¸º«¸¿¢Š¸¡¸¸Ê ׸£¸ ¸¸£ú ˆÅú Š¸ƒÄ ÷¸˜¸¸ ÷¸¼÷¸ú¡¸ Common Share capital issued
by subsidiaries and held by third
œ¸®¸ ׸£¸ £‰¸ú Š¸ƒÄ ¬¸¸Ÿ¸¸›¡¸ ©¸½¡¸£ œ¸»¿¸ú.
parties (amount allowed in group
(¬¸Ÿ¸»í ¬¸úƒÄ’ú 1 Ÿ¸Ê ‚›¸ºŸ¸÷¸ œÏ¸œ÷¸ £¸¢©¸) CET1)
6 ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¬¸½ œ¸í¥¸½ ¬¸¸Ÿ¸¸›¡¸ Common Equity Tier 1 Capital 429089.70 0.00
before regulatory adjustment
ƒÄ¦Æ¨¸’ú ’ú¡¸£-1 œ¸»¿¸ú
¬¸¸Ÿ¸¸›¡¸ ƒÄ¦Æ¨¸’ú ’ú¡¸£-1 œ¸»¿¸ú ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ Common Equity Tier 1 Capital :
regulatory adjustment
¬¸Ÿ¸¸¡¸¸½¸›¸
7 ¢¨¸¨¸½ˆÅœ¸»µ¸Ä Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ Purdential Valuation Adjustment
8 ¬¸¸‰¸ (¬¸¿¤¸Ö ˆÅ£ ™½¡¸÷¸¸ ˆÅ¸ ©¸ºÖ) Goodwill (net of realted tax liablity)
9 ¤¸¿š¸ˆÅ ˆ½Å ‚¥¸¸¨¸¸ ‚Ÿ¸»÷¸Ä ¬¸½¨¸¸ ‚¢š¸ˆÅ¸£ (ˆÅ£ Intangibles other than mortgage-
service rights (net of tax liablity)
™½¡¸÷¸¸ ˆÅ¸ ©¸ºÖ)
10 ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ Deferred tax assets
11 ›¸ˆÅ™ú œÏ¨¸¸í ¤¸¸¸¨¸ œÏ¸£¢®¸÷¸ ¢›¸¢š¸ Cash-flow hedge reserve
12 ‚›¸ºŸ¸¸¢›¸÷¸ í¸¢›¸ í½÷¸º ˆÅŸ¸ú ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ Shortfall of provision to expected
loss
13 ¢¤¸ÇÅú œ¸£ œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ ¥¸¸ž¸. Securitisation Gain on sale

21
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
14 „¢¸÷¸ Ÿ¸»¥¡¸ ™½¡¸÷¸¸‚¸Ê œ¸£ ¢›¸¸ú †µ¸ Gains & losses due to changes
in own credit risk on fair values
¸¸½¢‰¸Ÿ¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å ˆÅ¸£µ¸ ¥¸¸ž¸ ¨¸ í¸¢›¸
liablities
15 œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ œ¸Ê©¸›¸ ¢›¸¢š¸ ©¸ºÖ ‚¸¦¬÷¸¡¸¸¿ Defined-benefit pension fund net
assets
16 ¢›¸¸ú ©¸½¡¸£¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ (¡¸¢™ ¢£œ¸¸½’Ä ¢ˆÅ‡ Investment in own shares (if not
already netted off paid-in capital on
Š¸‡ ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê ¸ºˆÅ÷¸¸ œ¸»¿¸ú ˆÅ¸ ¬¸Ÿ¸¸¡¸¸½¸›¸
reported balamce sheet)
œ¸í¥¸½ ¬¸½ ›¸ ¢ˆÅ¡¸¸ í¸½.)
17 ¬¸¸Ÿ¸¸›¡¸ ƒÄ¦Æ¨¸’ú Ÿ¸Ê œ¸¸£¬œ¸¢£ˆÅ Reciprocal cross holdings in 134.30 33.60 {PART OF
common equity P+Q+S}
ÇŸÁ¬¸ š¸¸¢£÷¸¸
18 ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸ ‚¸¾£ ¤¸úŸ¸¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅú Investment in the capital of
banking, financial and insurance
œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸ ¸¸½ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ®¸½°¸,
entities that are outside the scope
œ¸¸°¸ ‚¢š¸ˆÅ ¢¤¸ÇÅ¡¸ ˆÅú ¦¬˜¸¢÷¸ ¬¸½ ¤¸¸í£ íÿ of regulatory consolidation, net of
¸í¸¿ ¸¸£ú ˆÅú Š¸ƒÄ ©¸½¡¸£ œ¸»¿¸ú ¬¸½ ¤¸ÿˆÅ ˆÅú eligible short positions, where the
¢í¬¬¸½™¸£ú 10% ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ í¾. (œÏ¸£¿ž¸ bank does not own more than 10%
Ÿ¸Ê 10% ¬¸½ ‚¢š¸ˆÅ £¸¢©¸) of the issued share capital (amount
above 10% threshold)
19 ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸ ÷¸˜¸¸ ¤¸úŸ¸¸ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å Significant investment in the 2200.00 550.00 PART OF R
common stock of banking financial
¬¸¸Ÿ¸¸›¡¸ ¬’¸ÁˆÅ Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸¨¸½©¸ ¸¸½
and insurance entities that are
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ®¸½°¸, œ¸¸°¸ ‚¢š¸ˆÅ outside the scope of regulatory
¢¤¸ÇÅ¡¸ ˆÅú ¦¬˜¸¢÷¸ ˆ½Å ©¸ºÖ ¬¸½ ¤¸¸í£ í¾. consolidation, net of eligible short
(œÏ¸£¿ž¸ Ÿ¸Ê 10% ¬¸½ ‚¢š¸ˆÅ ˆÅú £¸¢©¸) position (amount above 10%
threshold)
20 ¤¸¿š¸ˆÅ ¬¸½¨¸¸ (¬¸¢¨¸Ä¢¬¸¿Š¸) ‚¢š¸ˆÅ¸£ (œÏ¸£¿ž¸ Ÿ¸Ê Mortgage servicing rights (amount
avove 10% threshold)
10% ¬¸½ ‚¢š¸ˆÅ ˆÅú £¸¢©¸)
21 ‚¬˜¸¸ƒÄ ‚¿÷¸£¸Ê ¬¸½ í¸½›¸½ ¨¸¸¥¸ú ‚¸¬˜¸¢Š¸÷¸ Deferred tax assets arising from
temporary diffrences ( amount
ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ (œÏ¸£¿ž¸ Ÿ¸Ê 10% ¬¸½ ‚¢š¸ˆÅ ˆÅú
above 10% threshold, net of related
£¸¢©¸ ¬¸¿¤¸¿¢š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ ˆÅ¸ ©¸ºÖ) tax liablity)
22 œÏ¸£¿¢ž¸ˆÅ 15% ¬¸½ ‚¢š¸ˆÅ £¸¢©¸. Amount exceeding the 15%
threshold
23 ¢¸¬¸Ÿ¸Ê ¬¸½ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸¸Ÿ¸¸›¡¸ of which : significant investments
in the common stock of financial
¬’¸ÁˆÅ Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸¨¸½©¸.
entities
24 ¢¸¬¸Ÿ¸Ê Ÿ¸Ê ¤¸¿š¸ˆÅ ¬¸½¨¸¸ ‚¢š¸ˆÅ¸£. of which : mortgage servicing rights
25 ¢¸¬¸Ÿ¸Ê ¬¸½ ‚¬˜¸¸ƒÄ ‚¿÷¸£¸Ê ¬¸½ í¸½›¸½ ¨¸¸¥¸ú of which : deferred tax assets
arising from temporary differences
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸.
26 £¸«’ïú¡¸ ¢¨¸¢©¸«’ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ National specific regulatory
adjustment (26a+26b+26c+26d)
(26‡ + 26¤¸ú + 26¬¸ú + 26”ú )
26a ¢¸¬¸Ÿ¸Ê ¬¸½ ‚¬¸Ÿ¸½¢ˆÅ÷¸ ¤¸úŸ¸¸ ‚›¸º«¸¿¢Š¸¡¸¸Ê ˆÅú of which : Investment in the equity 2200.00 550.00
capital of the unconsolidated
ƒÄ¦Æ¨¸’ú œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸
insurance subsidiaries

22
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
26b ¢¸¬¸Ÿ¸Ê ¬¸½ ‚¬¸Ÿ¸½¢ˆÅ÷¸ Š¸¾£ ¢¨¸î¸ú¡¸ ‚›¸º«¸¿¢Š¸¡¸¸Ê of which : Investment in the Equity
Capital of the unconsolidated non-
ˆÅú ƒÄ¦Æ¨¸’ú œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸.
financial subsidiaries
26c ¢¸¬¸Ÿ¸Ê ¬¸½ ¤¸íº÷¸ ¬¸ú ¢›¸¸ú ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê of which : Shortfall in the Equity
Capital of majority owned financial
ˆÅú ƒÄ¦Æ¨¸’ú œ¸»¿¸ú Ÿ¸Ê ˆÅŸ¸ú ¸¸½ ¤¸ÿˆÅ Ÿ¸Ê
entities which have not been
¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ íºƒÄ í¾. consilidated with the bank
26d ¢¸¬¸Ÿ¸Ê ¬¸½ ‚©¸¸½¢š¸÷¸ œ¸Ê©¸›¸ ¢›¸¢š¸ ¨¡¸¡¸ of which : Unamortised pension
funds expenditure
27 ˆÅ’¸¾÷¸ú ˆÅ¸½ ˆÅ¨¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸¡¸¸Äœ÷¸ Regulatory adjustment applied
to Common Equity Tier 1 due to
’ú¡¸£ 1 ÷¸˜¸¸ ’ú¡¸£ 2 ˆ½Å ˆÅ¸£µ¸ ¬¸¸Ÿ¸¸›¡¸
insufficient Tier 1 and Tier 2 to
ƒÄ¦Æ¨¸’ú ’ú¡¸£ 1 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ cover deduction
¬¸Ÿ¸¸¡¸¸½¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸
28 ¬¸¸Ÿ¸¸›¡¸ ƒÄ¦Æ¨¸’ú-1 ¢’¡¸£-1 ˆ½Å ¢¥¸‡ ˆºÅ¥¸ Total regulatory adjustments to 2334.30 583.60
Common equity Tier 1
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸.
29 ¬¸¸Ÿ¸¸›¡¸ ƒÄ¦Æ¨¸’ú-¢’¡¸£ 1 œ¸»¿¸ú (¬¸úƒÄ’ú-1) Common Equity Tier 1 Capital (CET 426755.40
1)
‚¢÷¸¢£Æ÷¸ ’ú¡¸£-1 œ¸»¿¸ú- ¢¥¸‰¸÷¸. Additional Tier 1 capital :
instruments
30 œÏ÷¡¸®¸÷¸À ¸¸£ú ¢ˆÅ‡ Š¸‡ ¬¸¸œ¸½®¸ ‚¢÷¸¢£Æ÷¸ Directly issued qualifying Additional
Tier 1 instruments plus related
’ú¡¸£-1 ¢¥¸‰¸÷¸ ÷¸˜¸¸ ¬¸¿¤¸Ö ¬’¸ÁˆÅ ‚¢š¸©¸½«¸
stock surplus (31+32)
(31 + 32)
31 ¢¸¬¸Ÿ¸Ê ¬¸½ ¥¸¸Š¸» ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ÷¸í÷¸ of which : classified as equity under
applicable accounting standards
ƒÄ¦Æ¨¸’ú ˆ½Å ²Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ‡ Š¸‡ íÿ.
(PNCPS)
(œ¸ú‡›¸¬¸úœ¸ú‡¬¸)
32 ¢¸¬¸Ÿ¸Ê ¬¸½ ¥¸¸Š¸» ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ÷¸í÷¸ of which : classified as liablities
under applicable accounting
™½¡¸÷¸¸‚¸Ê ˆ½Å ²Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ‡ Š¸‡ íÿ.
standards (Perpetual Debt
(©¸¸©¨¸÷¸ †µ¸ ¢¥¸‰¸÷¸) Instruments)
33 û½Å¸ ‚¸„’ ûŸÁŸ¸Ä- ‚¢÷¸¢£Æ÷¸ ¢’¡¸£-1 Directly issued capital instruments 21470.20 7646.80 T (AFTER GRND
subject to phase out form FATHERING)+
ˆ½Å ‚š¸ú›¸ œÏ÷¡¸®¸ ²Åœ¸ ¬¸½ ¸¸£ú ¢ˆÅ‡ Š¸‡
Additional Tier 1 Part of U
œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸.
34 ‚›¸º«¸¿¢Š¸¡¸¸Ê ׸£¸ ¸¸£ú ¢ˆÅ‡ Š¸‡ ‚¸¾£ ˜¸”Ä Additional Tier 1 instruments (and
Cet 1 instruments not included
œ¸¸’úÄ ×¸£¸ £‰¸½ Š¸‡ (£¸¢©¸ ˆÅú ‚›¸ºŸ¸¢÷¸
in row 5) issued by subsidiaries
¬¸Ÿ¸»í ‡’ú-1 Ÿ¸Ê ˆÅú Š¸ƒÄ í¾) ‚¢÷¸¢£Æ÷¸ and held by third parties (amount
¢’¡¸£-1 ¢¥¸‰¸÷¸ ÷¸˜¸¸ ¬¸úƒÄ’ú-1 ¢¥¸‰¸÷¸ ¸¸½ allowed in group AT1)
œ¸¿¦Æ÷¸ 5 Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ‡ Š¸‡ íÿ.)
35 ¢¸¬¸Ÿ¸Ê ¬¸½ û½Å¸ ‚¸„’ ˆ½Å ‚š¸ú›¸ ‚›¸º«¸¿¢Š¸¡¸¸Ê of which : amount issued by
subsidiaries subject to phase out
׸£¸ ¸¸£ú ˆÅú Š¸ƒÄ £¸¢©¸
36 ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆ½Å œ¸í¥¸½ ‚¢÷¸¢£Æ÷¸ Additional Tier 1 capital before 21470.20 7646.80
regulatory adjustment
¢’¡¸£ 1 œ¸»¿¸ú

23
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
37 ¢›¸¸ú ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 ¢¥¸‰¸÷¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ Investments in own Additional Tier
1 instruments
38 ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 ¢¥¸‰¸÷¸¸Ê Ÿ¸Ê œ¸¸£¬œ¸¢£ˆÅ Reciprocal cross-holdings in 1136.00 284.00 {PART OF
Additional Tier 1 instruments P+Q+S}
œÏ¢÷¸š¸¸£÷¸¸
39 ¤¸¾¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸ ‚¸¾£ ¤¸úŸ¸¸ ¬¸¿¬˜¸¸‚¸Ê ¸¸½ Investments in the capital of
banking, financial and insurance
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ®¸½°¸ ¬¸½ ¤¸¸í£ í¾ ÷¸˜¸¸
entities that are outside the scope
¸í¸¿ ¤¸ÿˆÅ ˆÅú ¢í¬¬¸½™¸£ú ¸¸£ú ˆÅú Š¸ƒÄ of regulatory consolidation where
¬¸¿¬˜¸¸ ˆÅú ¬¸¸Ÿ¸¸›¡¸ ©¸½¡¸£ œ¸»¿¸ú Ÿ¸Ê 10% ¬¸½ the bank does not own more than
‚¢š¸ˆÅ ›¸íú¿ í¾. ˆÅú œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸ (œÏ¸£¿ž¸ Ÿ¸Ê 10% of the issued common share
10% ¬¸½ ‚¢š¸ˆÅ £¸¢©¸) capital of the entity (amount above
10% threshold)
40 ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸ ÷¸˜¸¸ ¤¸úŸ¸¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅú œ¸»¿¸ú Significant investments in the 275.00 2475.00 Part of R
capital of banking, financial
¸¸½ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ®¸½°¸ ¬¸½ ¤¸¸í£ í¾,
and insurance entities that are
Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸¨¸½©¸. (œ¸¸°¸ ©¸¸Á’Ä œ¸¸½¸ú©¸›¸ outside the scope of regulatory
ˆÅ¸ ¢›¸¨¸¥¸) consolidation (net of eligible short
position)
41 ¢¨¸¢©¸«’ £¸«’ïú¡¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ National specific regulatory
adjustment (41a+41b)
(41‡+41¤¸ú)
41a ‚¬¸Ÿ¸½¢ˆÅ÷¸ ¤¸úŸ¸¸ ‚›¸º«¸¿¢Š¸¡¸¸Ê ˆÅú ‚¢÷¸¢£Æ÷¸ Investments in the Additional Tier 1
capital of unconsolidated insurance
¢’¡¸£ 1 ˆÅú œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸
subsidiaries
41b ‚¢š¸ˆÅ÷¸£ ¢›¸¸ú ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅú Shortfall in the Additional Tier 1
capital of majority owned financial
‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 ˆÅú œ¸»¿¸ú Ÿ¸Ê ˆÅŸ¸ú, ¸¸½
entities which have not been
¤¸ÿˆÅ ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ í¾. consolidated with the bank
œÏú ¤¸¬¸½¥¸ III ’ïú’Ÿ¸Ê’ ˆ½Å ‚š¸ú›¸ (ˆ¼Åœ¸¡¸¸ Regulatory adjustments applied
to Additional Tier 1 in respect of
¢’œœ¸µ¸ú ¨¸¸¥¸½ ˆÅ¸Á¥¸Ÿ¸ Ÿ¸Ê ¢¥¸‰¸½) £¸¢©¸ ˆ½Å
ammounts subject to Pre-Basel
¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 ˆÅ¸½ ¥¸¸Š¸» III treatment (please specify the
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ details in remarks column)
¢¸¬¸Ÿ¸Ê ¬¸½ ¬¸¸‰¸ ‚¸¾£ ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸¿ of which : Goodwill And Intangible
Assets
¢¸¬¸Ÿ¸Ê ¬¸½ ‚›¸º«¸¿¢Š¸¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ (‚›¸º«¸¿¢Š¸¡¸¸Ê of which : Investment in
Subsidiaries c/f from Subsidiaries
¬¸½ ¥¸¸¡¸¸ Š¸¡¸¸.)
¢¸¬¸Ÿ¸Ê ¬¸½ ¬¸ž¸ú ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸ of which : All Deferred Tax Assets
42 ˆÅ’¸¾÷¸ú ˆÅ¸½ ˆÅ¨¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸¡¸¸Äœ÷¸ Regulatory adjustments applied to
Additional Tier 1 due to insufficient
¢’¡¸£ 2 ˆ½Å ˆÅ¸£µ¸ ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 Ÿ¸Ê
Tier 2 to cover deductions
¥¸¸Š¸» ¢ˆÅ‡ Š¸‡ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸
43 ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 œ¸»¿¸ú ˆ½Å ¢¥¸‡ ˆºÅ¥¸ Total regulatory adjustments to 1411.00 2759.00
Additional Tier 1 capital
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸
44 ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 œ¸»¿¸ú (‡’ú1)œ¸»¿¸ú Additional Tier 1 capital (AT1) 20059.20
capital

24
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
44a œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ í½÷¸º ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 œ¸»¿¸ú Additional Tier 1 capital (AT1) 20059.20
reckoned for capital adequacy
(‡’ú1) ˆÅú Š¸µ¸›¸¸
45 ¢’¡¸£ 1 œ¸»¿¸ú (’ú1 = ¬¸úƒÄ’ú1 + ¬¨¸úˆÅ¸¡¸Ä Tier 1 capital (T1 = CET1 + 446814.60
Admissible AT1)
‡’ú1)
46 œÏ÷¡¸®¸÷¸À ¸¸£ú ¢ˆÅ‡ ¬¸¸œ¸½®¸ ¢’¡¸£ 2 ¢¥¸‰¸÷¸ Directly issued qualifying Tier 2
instruments plus related stock
÷¸˜¸¸ ¬¸¿¤¸Ö ¬’¸ÁˆÅ ‚¢š¸©¸½«¸
surplus
47 œÏ÷¡¸®¸÷¸À ¸¸£ú ¢ˆÅ‡ Š¸‡ œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸ Directly issued capital instruments 63125.90 28750.60 PART OF T (After
subject to phase out from Tier 2 Grandfathering)+V
¸¸½ û½Å¸ ‚¸„’ ¢’¡¸£ 2 ˆ½Å ‚š¸ú›¸ í¾
48 ¢’¡¸£ 2 ¢¥¸‰¸÷¸ (÷¸˜¸¸ ¬¸úƒÄ’ú1 ¨¸ ‡’ú1 Tier 2 instruments (and CET1 and 0.00
AT1 instruments not included in
¢¥¸‰¸÷¸ - ¸¸½ œ¸¿¦Æ÷¸ 5 ¡¸¸ 34 Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿
rows 5 or 34) issued by subsidiaries
¢ˆÅ‡ Š¸‡ í¾. ‚›¸º«¸¿¢Š¸¡¸¸Ê ׸£¸ ¸¸£ú ¢ˆÅ‡ Š¸‡ and held by third parties (amount
÷¸˜¸¸ ˜¸”Ä œ¸¸¢’Ä¡¸¸Ê ׸£¸ £‰¸½ Š¸‡ (£¸¢©¸ ˆÅú allowed in group Tier 2)
‚›¸ºŸ¸¢÷¸ ŠÏºœ¸ ¢’¡¸£ 2 Ÿ¸Ê ™ú Š¸ƒÄ í¾).
49 ¢¸¬¸Ÿ¸Ê ¬¸½ ‚›¸º«¸¿¢Š¸¡¸¸Ê ׸£¸ ¸¸£ú ¢ˆÅ‡ Š¸‡ of which: instruments issued by 0.00
subsidiaries subject to phase out
¢¥¸‰¸÷¸ (û½Å¸ ‚¸„’ ˆ½Å ‚š¸ú›¸)
50 œÏ¸¨¸š¸¸›¸ Provisions 30722.80 G and other
Provisions
51 ¢’¡¸£ 2 - œ¸»¿¸ú ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¬¸½ Tier 2 capital before regulatory 93848.70
adjustments
œ¸í¥¸½
52 ¢›¸¸ú ¢’¡¸£ 2 ¢¥¸‰¸÷¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ Investments in own Tier 2
instruments
53 ¢’¡¸£ 2 ¢¥¸‰¸÷¸¸Ê Ÿ¸Ê œ¸¸£¬œ¸¢£ˆÅ Reciprocal cross-holdings in Tier 2 786.30 196.6 {PART OF Q+S}
instruments
œÏ¢÷¸š¸¸£÷¸¸
54 ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸ ‡¨¸¿ ¤¸úŸ¸¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅú Investments in the capital of
banking, financial and insurance
œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸, ¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ®¸½°¸
entities that are outside the scope
¬¸½ ¤¸¸í£ íÿ. ¸í¸¿ ¬¸¿¬˜¸¸ ˆÅú ¸¸£ú ˆÅú Š¸ƒÄ of regulatory consolidation where
¬¸¸Ÿ¸¸›¡¸ ©¸½¡¸£ œ¸»¿¸ú ¬¸½ ¤¸ÿˆÅ ˆÅú ¢í¬¬¸½™¸£ú the bank does not own more than
10% ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ íÿ. (œÏ¸£¿ž¸ Ÿ¸Ê 10% ¬¸½ 10% of the issued common share
‚¢š¸ˆÅ £¸¢©¸) capital of the entity (amount above
10% threshold)
55 ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸ ‡¨¸¿ ¤¸úŸ¸¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅú œ¸»¿¸ú Significant investments in the
capital banking, financial and
Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸¨¸½©¸, ¸¸½ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸
insurance entities that are
ˆ½Å ®¸½°¸ ¬¸½ ¤¸¸í£ í¾ (œ¸¸°¸ ©¸¸Á’Ä ¦¬˜¸¢÷¸ ˆÅ¸ outside the scope of regulatory
¢›¸¨¸¥¸) consolidation (net of eligible short
positions)
56 £¸«’ïú¡¸ ¢¨¸¢©¸«’ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ National specific regulatory
adjustments (56a+56b)
(56a+56b)

25
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
56a ¢¸¬¸Ÿ¸Ê ¬¸½ À ‚¬¸Ÿ¸½¢ˆÅ÷¸ ‚›¸º«¸¿¢Š¸¡¸¸Ê ˆÅú of which: Investments in the 275.00 2475.00 PART OF R
Tier 2 capital of unconsolidated
¢’¡¸£ 2 œ¸»¿¸ú Ÿ¸Ê ¢›¸¨¸½©¸
subsidiaries
56b ¢¸¬¸Ÿ¸Ê ¬¸½ À ‚œ¸›¸ú ¢›¸¸ú œ¸»µ¸Ä ¢¨¸î¸ú¡¸ of which: Shortfall in the Tier 2
capital of majority owned financial
¬¸¿¬˜¸¸‚¸Ê ˆÅú ¢’¡¸£ 2 œ¸»¿¸ú Ÿ¸Ê ˆÅŸ¸ú, ¸¸½ ¤¸ÿˆÅ
entities which have not been
ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾ consolidated with the bank
56c œÏú-¤¸¸¬¸½¥¸ 3 ’ïú’Ÿ¸Ê’ ˆ½Å ‚š¡¸š¸ú›¸ £¸¢©¸ Regulatory Adjustments Applied
To Tier 2 in respect of Amounts
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢’¡¸£ 2 Ÿ¸Ê ¥¸¸Š¸» ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ
Subject to Pre-Basel III Treatment
¬¸Ÿ¸¸¡¸¸½¸›¸
57 ¢’¡¸£ 2 œ¸»¿¸ú Ÿ¸Ê ˆºÅ¥¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ Total regulatory adjustments to Tier 1061.30
2 capital
¬¸Ÿ¸¸¡¸¸½¸›¸
58 ¢’¡¸£ 2 œ¸»¿¸ú Tier 2 capital 92787.40

58a œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ˆ½Å ¢¥¸‡ Š¸µ¸›¸¸ ˆÅú Š¸ƒÄ ¢’¡¸£ Tier 2 Capital reconed for Capital 92787.40
Adequacy
2 œ¸»¿¸ú
58b ¢’¡¸£ 2 œ¸»¿¸ú ˆ½Å ³Åœ¸ Ÿ¸Ê Š¸µ¸›¸¸ ˆÅú ¸¸›¸½ Any Excess Additional Tier 1 capital 0.00
to be reckoned as Tier 2 capital
¨¸¸¥¸ú ˆÅ¸½ƒÄ ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 œ¸»¿¸ú
58c œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ˆ½Å ¢¥¸‡ ¬¨¸úˆÅ¸¡¸Ä ˆºÅ¥¸ ¢’¡¸£ Total Tier 2 Capital admissible for 92787.40
capital adequacy (58a+58b)
2 œ¸»¿¸ú (58‡ + 58¤¸ú)
59 ˆºÅ¥¸ œ¸»¿¸ú (ˆºÅ¥¸ œ¸»¿¸ú = ’ú1 + ’ú2) (45 Total Capital (TC = T1 + T2) 539602.00
(45+58c)
+ 58 ¬¸ú)
60 ˆºÅ¥¸ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸¿ (60‡ + 60¤¸ú Total risk weighted assets (60a + 3958674.58
60b + 60c)
+ 60¬¸ú)
60a ¢¸¬¸Ÿ¸Ê ¬¸½ À ˆºÅ¥¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ of which: total credit risk weighted 3407475.36
assets
‚¸¦¬÷¸¡¸¸¿
60b ¢¸¬¸Ÿ¸Ê ¬¸½ À ˆºÅ¥¸ ¤¸¸¸¸£ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ of which: total market risk weighted 245175.94
assets
‚¸¦¬÷¸¡¸¸¿
60c ¢¸¬¸Ÿ¸Ê ¬¸½ À ˆºÅ¥¸ œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ of which: total operational risk 306023.28
weighted assets
‚¸¦¬÷¸¡¸¸¿
œ¸»¿¸ú ‚›¸ºœ¸¸÷¸ Capital ratios

61 ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ¢’¡¸£ 1 (¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ Common Equity Tier 1 (as a 10.78
percentage of risk weighted assets)
‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê)
62 ¢’¡¸£ 1 (¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Tier 1 (as a percentage of risk 11.29
weighted assets)
œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê)
63 ˆºÅ¥¸ œ¸»¿¸ú (¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Total capital (as a percentage of 13.63
risk weighted assets)
œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê)

26
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
64 ¬¸¿¬˜¸¸ ¢¨¸©¸½«¸ ˆÅú ¤¸ûÅ£ ‚¸¨¸©¡¸ˆÅ÷¸¸ Institution specific buffer 0.00
requirement (minimum CET1
(¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú œÏ¢÷¸©¸÷¸
requirement plus capital
ˆ½Å ³Åœ¸ Ÿ¸Ê œÏˆÅ¢’÷¸ ›¡¸»›¸÷¸Ÿ¸ ¬¸úƒÄ’ú1 conservation and countercyclical
‚¸¨¸©¡¸ˆÅ÷¸¸ ‚¸¾£ œ¸»¿¸ú ¬¸¿£®¸µ¸ ÷¸˜¸¸ buffer requirements, expressed
œÏ¢÷¸¸ÇÅú¡¸ ¤¸ûÅ£ ‚¸¨¸©¡¸ˆÅ÷¸¸) as a percentage of risk weighted
assets)
65 ¢¸¬¸Ÿ¸Ê ¬¸½ À œ¸»¿¸ú ¬¸¿£®¸µ¸ ¤¸ûÅ£ ‚¸¨¸©¡¸ˆÅ÷¸¸ of which: capital conservation 0.00
buffer requirement
66 ¢¸¬¸Ÿ¸Ê ¬¸½ À ¤¸ÿˆÅ ¢¨¸©¸½«¸ ˆÅú œÏ¢÷¸¸ÇÅú¡¸ ¤¸ûÅ£ of which: bank specific 0.00
countercyclical buffer requirement
‚¸¨¸©¡¸ˆÅ÷¸¸
67 ¢¸¬¸Ÿ¸Ê ¬¸½ À ¸ú-‡¬¸‚¸ƒÄ¤¸ú ¤¸”õú of which: G-SIB buffer requirement 0.00
‚¸¨¸©¡¸ˆÅ÷¸¸
68 ¤¸ûÅ£ ‚¸¨¸©¡¸ˆÅ÷¸¸ ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å Common Equity Tier 1 available to 0.00
meet buffers (as a percentage of
¢¥¸‡ „œ¸¥¸¤š¸ ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ¢’¡¸£ 1
risk weighted assets)
(¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å
³Åœ¸ Ÿ¸Ê)
£¸«’ïú¡¸ ›¡¸»›¸÷¸Ÿ¸ ¬÷¸£ (¡¸¢™ ¤¸¸¬¸½¥¸ III ¬¸½ National minima (if different from
Basel III)
¢ž¸››¸ í¸½)
69 £¸«’ïú¡¸ ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ¢’¡¸£ 1 ›¡¸»›¸÷¸Ÿ¸ National Common Equity Tier 1 0.00
minimum ratio (if different from
‚›¸ºœ¸¸÷¸ (¡¸¢™ ¤¸¸¬¸½¥¸ III ›¡¸»›¸÷¸Ÿ¸ ¬¸½ ¢ž¸››¸
Basel III minimum)
í¸½)
70 £¸«’ïú¡¸ ¢’¡¸£ 1 ›¡¸»›¸÷¸Ÿ¸ ‚›¸ºœ¸¸÷¸ (¡¸¢™ National Tier 1 minimum ratio (if 0.00
different from Basel III minimum)
¤¸¸¬¸½¥¸ III ›¡¸»›¸÷¸Ÿ¸ ¬¸½ ¦ž¸››¸ í¸½)
71 £¸«’ïú¡¸ ˆºÅ¥¸ œ¸»¿¸ú ›¡¸»›¸÷¸Ÿ¸ ‚›¸ºœ¸¸÷¸ (¡¸¢™ National total capital minimum ratio 0.00
(if different from Basel III minimum)
¤¸¸¬¸½¥¸ III ›¡¸»›¸÷¸Ÿ¸ ¬¸½ ¢ž¸››¸ í¸½)
ˆÅ’¸¾÷¸ú ˆ½Å ¢¥¸‡ ¢›¸¢™Ä«’ ¬¸úŸ¸¸£½‰¸¸ ¬¸½ ›¸ú¸½ Amounts below the thresholds for
deduction (before risk weighting)
ˆÅú £¸¢©¸ (¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸¸ ¬¸½ œ¸í¥¸½)
72 ‚›¡¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅú œ¸»¿¸ú Ÿ¸Ê Š¸¾£ Non-significant investments in the 0.00
capital of other financial entities
Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸¨¸½©¸
73 ¢¨¸î¸ú¡¸ ƒˆÅ¸ƒ¡¸¸Ê ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ©¸½¡¸£ Ÿ¸Ê Significant investments in the 0.00
common stock of financial entities
Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸¨¸½©¸
74 ¤¸¿š¸ˆÅ ¬¸½¨¸¸ ‚¢š¸ˆÅ¸£ (¬¸¿¤¸¿¢š¸÷¸ ˆÅ£ ™½¡¸÷¸¸‚¸Ê Mortgage servicing rights (net of 0.00
related tax liability)
ˆÅ¸ ¢›¸¨¸¥¸)
75 ‚¬˜¸¸¡¸ú ‚¿÷¸£¸Ê ¬¸½ ¢›¸ˆÅ¥¸ú ‚¸¬˜¸¢Š¸÷¸ Deferred tax assets arising from 0.00
temporary differences (net of
ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ (¬¸¿¤¸¿¢š¸÷¸ ˆÅ£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸
related tax liability)
¢›¸¨¸¥¸)
¢’¡¸£ 2 Ÿ¸Ê œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ¬¸Ÿ¸¸¨¸½©¸ œ¸£ ¥¸¸Š¸» Applicable caps on the inclusion
of provisions in Tier 2
„¸÷¸Ÿ¸ ¬¸úŸ¸¸

27
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

œÏ.¬¸¿. Ÿ¸™ œ¸¸°¸ £¸¢©¸ ¤¸½¬¸¥¸ III ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
Sr. No Items Eligible Amt œ¸»¨¸Ä ¨¡¸¨¸í¸£¸Ê ˆ½Å Ref No.
‚š¸ú›¸ £¸¢©¸
Amounts
Subject to
Pre Basel III
Treatements
76 Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸ ˆ½Å ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¬¸¿¤¸¿š¸ Provisions eligible for inclusion 30722.77
in Tier 2 in respect of exposures
Ÿ¸Ê ¢’¡¸£ 2 Ÿ¸Ê ¬¸Ÿ¸¸¨¸½©¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ œÏ¸¨¸š¸¸›¸
subject to standardised approach
(„¸÷¸Ÿ¸ ¬¸úŸ¸¸ ˆ½Å ¥¸¸Š¸» í¸½›¸½ ¬¸½ œ¸»¨¸Ä) (prior to application of cap)

77 Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ œ¸Ö¢÷¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢’¡¸£ 2 Ÿ¸Ê
œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ¬¸Ÿ¸¸¨¸½©¸ ˆÅú „¸÷¸Ÿ¸ ¬¸úŸ¸¸
(2871584.65 ˆÅ¸ 1.25% )
78 ‚¸¿÷¸¢£ˆÅ £½¢’¿Š¸ ‚¸š¸¸¢£÷¸ œ¸Ö¢÷¸ ˆ½Å ‚š¸ú›¸
‡Æ¬¸œ¸¸½¸£ ˆ½Å ¬¸¤¸¿š¸ Ÿ¸Ê ¢’¡¸£ 2 Ÿ¸Ê ¬¸Ÿ¸¸¨¸½©¸
ˆ½Å ¢¥¸‡ œ¸¸°¸ œÏ¸¨¸š¸¸›¸ („¸÷¸Ÿ¸ ¬¸úŸ¸¸ ˆ½Å
¥¸¸Š¸» í¸½›¸½ ¬¸½ œ¸»¨¸Ä)
Cap on inclusion of provisions in 42593.44
Tier 2 under standardised approach
(1.25% of 355763.29)
Provisions eligible for inclusion NA
in Tier 2 in respect of exposures
subject to internal ratings-based
approach (prior to application of
cap)

79 ‚¸¿÷¸¢£ˆÅ £½¢’¿Š¸ ‚¸š¸¸¢£÷¸ œ¸Ö¢÷¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸
¢’¡¸£ 2 Ÿ¸Ê œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ¬¸Ÿ¸¸¨¸½©¸›¸ ˆ½Å ¢¥¸‡
„¸÷¸Ÿ¸ ¬¸úŸ¸¸
í’¸›¸½ ˆÅú ¨¡¸¨¸¬˜¸¸ ˆ½Å ‚š¸ú›¸ œ¸»¿¸úŠ¸÷¸
¢¥¸‰¸÷¸ (ˆ½Å¨¸¥¸ 31 Ÿ¸¸¸Ä, 2017 ‡¨¸¿ 31
Ÿ¸¸¸Ä, 2022 ˆ½Å ¤¸ú¸ ¥¸¸Š¸»)
Cap for inclusion of provisions in
Tier 2 under internal ratings-based NA
approach
Capital instruments subject to
phase-out arrangements (only
applicable between March 31,
2017 and March 31, 2022)

80 í’¸›¸½ ˆÅú ¨¡¸¨¸¬˜¸¸ ˆ½Å ‚š¸ú›¸ ¬¸úƒÄ’ú 1 Current cap on CET1 instruments NIL
subject to phase out arrangements
¢¥¸‰¸÷¸¸Ê ˆÅú ¨¸÷¸ÄŸ¸¸›¸ „¸÷¸Ÿ¸ ¬¸úŸ¸¸
81 „¸÷¸Ÿ¸ ¬¸úŸ¸¸ ˆ½Å ˆÅ¸£µ¸ ¬¸úƒÄ’ú 1 Amount excluded from CET1 NIL
due to cap (excess over cap after
¬¸½ ¢›¸ˆÅ¸¥¸ ™ú Š¸ƒÄ £¸¢©¸ (©¸¸½š¸›¸ ÷¸˜¸¸
redemptions and maturities)
œ¸¢£œ¸Æ¨¸÷¸¸‚¸Ê ˆ½Å ¤¸¸™ „¸÷¸Ÿ¸ ¬¸úŸ¸¸ ¬¸½
„œ¸£ ‚¢÷¸¢£Æ÷¸)
82 í’¸›¸½ ˆÅú ¨¡¸¨¸¬˜¸¸ ˆ½Å ‚š¡¸š¸ú›¸ ‡’ú 1 Current cap on AT1 instruments 11470.20
subject to phase out arrangements
¢¥¸‰¸÷¸¸Ê Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ „¸÷¸Ÿ¸ ¬¸úŸ¸¸
83 „¸÷¸Ÿ¸ ¬¸úŸ¸¸ ˆ½Å ˆÅ¸£µ¸ ‡’ú 1 ¬¸½ ¢›¸ˆÅ¸¥¸ Amount excluded from AT1 due 7646.80
to cap (excess over cap after
™ú Š¸ƒÄ £¸¢©¸ (©¸¸½š¸›¸ ÷¸˜¸¸ œ¸¢£Æ¨¸÷¸¸‚¸Ê ˆ½Å
redemptions and maturities)
¤¸¸™ „¸÷¸Ÿ¸ ¬¸úŸ¸¸ ¬¸½ „œ¸£ ‚¢÷¸¢£Æ÷¸)
84 í’¸›¸½ ˆÅú ¨¡¸¨¸¬˜¸¸ ˆ½Å ‚š¸ú›¸ ’ú 2 ¢¥¸‰¸÷¸¸Ê Current cap on T2 instruments 43125.90
subject to phase out arrangements
œ¸£ ¨¸÷¸ÄŸ¸¸›¸ „¸÷¸Ÿ¸ ¬¸úŸ¸¸
85 „¸÷¸Ÿ¸ ¬¸úŸ¸¸ ˆ½Å ˆÅ¸£µ¸ ’ú 2 ¬¸½ ¢›¸ˆÅ¸¥¸ Amount excluded from T2 due 28750.60
to cap (excess over cap after
™ú Š¸ƒÄ £¸¢©¸ (©¸¸½š¸›¸ ÷¸˜¸¸ œ¸¢£œ¸Æ¨¸÷¸¸‚¸Ê ˆ½Å
redemptions and maturities)
¤¸¸™ „¸÷¸Ÿ¸ ¬¸úŸ¸¸ ¬¸½ „œ¸£ ‚¢÷¸¢£Æ÷¸)

28
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

¬¸¸£µ¸ú ”ú‡ûÅ-12À œ¸»¿¸ú ˆÅ¸ ¬¸¿¡¸¸½¸›¸- ¬¸Ÿ¸¸š¸¸›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿À Table DF-12: Composition of Capital- Reconciliation
Requirements

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

¢¨¸¨¸£µ¸ Particulars ¢¨¸î¸ú¡¸ ¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å
‚›¸º¬¸¸£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ ˆ½Å
÷¸º¥¸›¸ œ¸°¸ ‚¿÷¸Š¸Ä÷¸
Balance sheet ÷¸º¥¸›¸ œ¸°¸
as in financial Balance sheet
statements under regulatory
scope of
consolidation
31.03.2016 31.03.2016

ˆÅ œ¸»¿¸ú ‡¨¸¿ ™½¡¸÷¸¸‡¿ A Capital & Liabilities

i œÏ™î¸ œ¸»¿¸ú i Paid-up Capital 4620.93 0

‚¸£¢®¸÷¸ ‡¨¸¿ ‚¢š¸©¸½«¸ Reserves & Surplus 420410.69 0

‚¥œ¸ ¢í÷¸ Minority Interest 1936.91 0

ˆºÅ¥¸ œ¸»¿¸ú Total Capital 426968.53 0

ii ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ii Deposits 5866904.68 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ¤¸¾ˆÅ¸Ê ¬¸½ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ of which: Deposits from banks 838660.14 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ŠÏ¸íˆÅ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ of which: Customer deposits 5028244.54 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ‚›¡¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ (ˆ¼Åœ¸¡¸¸ „¥¥¸½‰¸ of which: Other deposits (pl. specify) 0.00 0
ˆÅ£Ê)
¢¸¬¸Ÿ¸Ê ¬¸½ À ž¸¸£÷¸ Ÿ¸Ê ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê ¬¸½ ¸Ÿ¸¸ of which:Deposit from branches in India 3998170.24
£¸¢©¸¡¸¸¿
¢¸¬¸Ÿ¸Ê ¬¸½ À ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê ¬¸½ of which:Deposit from branches outside 1868734.44
India
¸Ÿ¸¸ £¸¢©¸¡¸¸¿
iii „š¸¸£ iii Borrowings 338452.26 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ž¸¸.¢£.¤¸ÿ ¬¸½ of which: From RBI 0.00 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ¤¸ÿˆÅ¸Ê ¬¸½ of which: From banks 3959.11 0

¢¸¬¸Ÿ¸Ê ¬¸½À‚›¡¸ ¬¸¿¬˜¸¸‚¸Ê ‡¨¸¿ ‡¸Ê¢¬¸¡¸¸Ê ¬¸½ of which: From other institutions & 8443.40 0
agencies

¢¸¬¸Ÿ¸Ê ¬¸½ À ž¸¸£÷¸ ¬¸½ ¤¸¸í£ „š¸¸£ of which: borrowing outside India 212732.74 0

¢¸¬¸Ÿ¸Ê ¬¸½ À œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸ of which: Capital instruments 113317.00 0

iv ‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ iv Other liabilities & provisions 279465.28 0

ˆºÅ¥¸ Total 6911790.75 0

‰¸ ‚¸¦¬÷¸¡¸¸¿ B Assets

i ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ›¸ˆÅ™ú ‡¨¸¿ ©¸½«¸ i Cash and balances with Reserve Bank of 228107.53 0
India

¤¸¾ˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ Balance with banks and money at call 1141883.01 0
and short notice
™½¡¸ £¸¢©¸
ii ¢›¸¨¸½©¸ À ii Investments: 1288940.57 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ of which: Government securities 1095717.87 0

¢¸¬¸Ÿ¸Ê ¬¸½À ‚›¡¸ ‚›¸ºŸ¸¸½¢™÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ of which: Other approved securities 16075.28 0

29
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

¢¨¸¨¸£µ¸ Particulars ¢¨¸î¸ú¡¸ ¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å
‚›¸º¬¸¸£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ ˆ½Å
÷¸º¥¸›¸ œ¸°¸ ‚¿÷¸Š¸Ä÷¸
Balance sheet ÷¸º¥¸›¸ œ¸°¸
as in financial Balance sheet
statements under regulatory
scope of
consolidation
31.03.2016 31.03.2016

¢¸¬¸Ÿ¸Ê ¬¸½À ©¸½¡¸£ of which: Shares 18828.03 0

¢¸¬¸Ÿ¸Ê ¬¸½À ¢”¤¸Ê¸£ ‡¨¸¿ ¤¸¸¿” of which: Debentures & Bonds 36688.93 0

¢¸¬¸Ÿ¸Ê ¬¸½À ‚›¸º«¸¿¢Š¸¡¸¸/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸/ ¬¸í¸¡¸ˆÅ of which: Subsidiaries / Joint Ventures / 7364.96 0
Associates
ƒˆÅ¸ƒ¡¸¸¿
¢¸¬¸Ÿ¸Ê ¬¸½À ‚›¡¸ (¨¸¸¢µ¸¦¡¸ˆÅ œ¸½œ¸¬¸Ä, Ÿ¡¸º¸º‚¥¸ of which: Others (Commercial Papers, 114265.50 0
Mutual Funds etc.)
û¿Å” ƒ÷¡¸¸¢™)
iii †µ¸ ‡¨¸¿ ‚¢ŠÏŸ¸ iii Loans and advances 3914859.85 0.00

¢¸¬¸Ÿ¸Ê ¬¸½ À ¤¸ÿˆÅ ˆÅ¸½ †µ¸ ‡¨¸¿ ‚¢ŠÏŸ¸ of which: Loans and advances to bank 0

¢¸¬¸Ÿ¸Ê ¬¸½ À ŠÏ¸íˆÅ ˆÅ¸½ †µ¸ ‡¨¸¿ ‚¢ŠÏŸ¸ of which: Loans and advances to 0
customer

iv ‚¸¥¸ ‚¸¦¬÷¸¡¸¸¿ iv Fixed assets 63591.71 0.00

v ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ v Other assets 274408.07 0

¢¸¬¸Ÿ¸Ê ¬¸½À ¬¸¸‰¸ ‡¨¸¿ ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸¿ of which: Goodwill and intangible assets 0.00 0

¢¸¬¸Ÿ¸Ê ¬¸½À ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ of which: Deferred tax assets 0.00 0

vi ¬¸Ÿ¸½ˆÅ›¸ ¬¸¿¤¸¿š¸ú ¬¸¸‰¸ vi Goodwill on consolidation 0.00 0

vii ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ›¸¸Ÿ¸½ ©¸½«¸ vii Debit balance in Profit & Loss account 0.00 0

ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ Total Assets 6911790.75 0

¸£µ¸ / Step: 2
(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)
¢¨¸¨¸£µ¸ Particulars ¢¨¸î¸ú¡¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ Ref. No.
‚›¸º¬¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸
÷¸º¥¸›¸ œ¸°¸ ÷¸º¥¸›¸ œ¸°¸
Balance sheet Balance
as in financial sheet under
statements regulatory
scope of
consolidation
31.03.2016 31.03.2016

ˆÅ œ¸»¿¸ú ‡¨¸¿ ™½¡¸÷¸¸‡¿ A Capital & Liabilities

i œÏ™î¸ œ¸»¿¸ú i Paid-up Capital 4620.93 0

¢¸¬¸Ÿ¸Ê ¬¸½À ¬¸úƒÄ’ú1 ˆ½Å ¢¥¸‡ œ¸¸°¸ £¸¢©¸ of which: Amount eligible for 4620.93 0 A
CET1

¢¸¬¸Ÿ¸Ê ¬¸½À ‡’ú1 ˆ½Å ¢¥¸‡ œ¸¸°¸ £¸¢©¸ of which: Amount eligible for 0 0
AT1

30
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

¢¨¸¨¸£µ¸ Particulars ¢¨¸î¸ú¡¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ Ref. No.
‚›¸º¬¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸
÷¸º¥¸›¸ œ¸°¸ ÷¸º¥¸›¸ œ¸°¸
Balance sheet Balance
as in financial sheet under
statements regulatory
scope of
consolidation
31.03.2016 31.03.2016

ii ‚¸£¢®¸÷¸ ‡¨¸¿ ‚¢š¸©¸½«¸ ii Reserves & Surplus 420410.69 0

‚›¸º¬¸»¸ú ¬¸¸¿¢¨¸¢š¸ˆÅ ‚¸£¢®¸÷¸ ¢›¸¢š¸ Schedule STATUTORY RESERVE 92281.33 0 B

2 œ¸»¿¸ú ‚¸£¢®¸÷¸ ¢›¸¢š¸ 2 CAPITAL RESERVE 51854.38 0 C

©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ SHARE PREMIUM 107862.09 0 D

¬¸¸Ÿ¸¸›¡¸ ‚¸£¢®¸÷¸ ¢›¸¢š¸ General Reserve 0.00 0

‚¸ƒÄ.’ú ‚¢š¸¢›¸¡¸Ÿ¸ 1961 ˆÅú š¸¸£¸ Special Reserves u/s 36(i)(viii) 0.00 0
(a) of I.T.Act,1961
36(i)(viii)(‡) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸©¸½«¸
‚¸£¢®¸÷¸
‚¸ƒÄ.’ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 36 (I) Special Reserve u/s 36(I)(VIII) 44343.69 0 E
of I.T. act
(VIII) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸©¸½«¸ ‚¸£¢®¸÷¸
£¸¸¬¨¸ ÷¸˜¸¸ ‚›¡¸ ‚¸£¢®¸÷¸ Revenue & other reserve 95210.50 0 F

¢›¸¨¸½©¸ ‚¸£¢®¸÷¸ ‰¸¸÷¸¸ Investment reserve account 1304.63 G

¢¨¸™½©¸ú Ÿ¸ºÍ¸ œ¸¢£¨¸÷¸Ä›¸ œÏ¸£¢®¸÷¸ ¢›¸¢š¸ Foreign Currency Translation 21363.57 0 H

Reserve

‚›¸¸¤¸¿¢’÷¸ ¥¸¸ž¸ Unallocated Profit 6190.49 0 I

‚¥œ¸ ©¸½¡¸£ Minority Share 1936.91 1

ˆºÅ¥¸ œ¸»¿¸ú Total Capital 425031.63 0

ii ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ii Deposits 5866904.68 0

‚›¸º¬¸»¸ú ¤¸ÿˆÅ ¬¸½ Ÿ¸¸¿Š¸ ¸Ÿ¸¸ Schedule Demand Deposit from Bank 11144.18 0

3 ‚›¡¸ ¬¸½ Ÿ¸¸¿Š¸ ¸Ÿ¸¸ 3 Demand Deposit from Others 344297.17 0

¤¸¸÷¸ ¤¸ÿˆÅ ¸Ÿ¸¸ SAVINGS BANK DEPOSITS 1194593.00 0

¤¸ÿˆÅ¸Ê ¬¸½ Ÿ¸ú¡¸¸™ú ¸Ÿ¸¸ Term Deposit from banks 827515.96 0

‚›¡¸ ¬¸½ Ÿ¸ú¡¸¸™ú ¸Ÿ¸¸ Term Deposit from Others 3489354.37 0

ž¸¸£÷¸ Ÿ¸Ê ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê ¬¸½ ¸Ÿ¸¸ Deposit from branches in India 3998170.24

ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê ¬¸½ Deposit from branches outside 1868734.44
India
¸Ÿ¸¸
iii „š¸¸£ iii Borrowings 338452.26 0

‚›¸º¬¸»¸ú ž¸¸.¢£.¤¸ÿ (ž¸¸.¢£.¤¸ÿ. ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ Schedule RBI (u/s 19 of RBI Act) 0.00 0
19 ˆ½Å ‚¿÷¸Š¸Ä÷¸)

31
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

¢¨¸¨¸£µ¸ Particulars ¢¨¸î¸ú¡¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ Ref. No.
‚›¸º¬¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸
÷¸º¥¸›¸ œ¸°¸ ÷¸º¥¸›¸ œ¸°¸
Balance sheet Balance
as in financial sheet under
statements regulatory
scope of
consolidation
31.03.2016 31.03.2016

4 ¤¸ÿˆÅ¸½¿ ¬¸½ 4 From banks 3959.11 0

‚›¡¸ ¬¸¿¬˜¸¸‡¿¿ ‡¨¸¿ ‡¸Ê¢¬¸¡¸¸¿ Other institutions and agencies 8443.40 0

›¸¨¸¸½›Ÿ¸½«¸ú ¢›¸¡¸÷¸ †µ¸ ¢¥¸‰¸÷¸ Innovative Perpetual Debt 19117.00 0 U

Instruments (IPDI)
(‚¸ƒÄœ¸ú”ú‚¸ƒÄ)
¤¸¸¿”¸Ê ˆ½Å ²Åœ¸ Ÿ¸Ê ¸¸£ú ¬¸¿ÇÅ¢Ÿ¸÷¸ †µ¸ Hybrid debt capital instrument 52300.00
issued as bonds
œ¸»¿¸ú ¢¥¸‰¸÷¸
Š¸¸¾µ¸ ¤¸¸¿” Subordinated Bonds 41900.00 0 T

ž¸¸£÷¸ ˆ½Å ¤¸¸í£ „š¸¸£ Borrowings ouside India 212732.74 0 V

iv ‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ iv Other liabilities & provisions 279465.27 0

‚›¸º¬¸»¸ú ¢¸¬¸Ÿ¸Ê ¬¸½À ™½¡¸ ¢¤¸¥¸ Schedule of which : Bills Payable 17419.29 0

5 ¢¸¬¸Ÿ¸Ê ¬¸½À ƒ¿’£ ‚¸Á¢ûŬ¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ 5 of Which : Inter Office 3919.36 0

Adjustment (Net)
(¢›¸¨¸¥¸)
¢¸¬¸Ÿ¸Ê ¬¸½ À ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ of Which : Deferred tax liability 60.99

¢¸¬¸Ÿ¸Ê ¬¸½À „œ¸¢¸÷¸ ¤¡¸¸¸ of Which : Interest Accrued 39927.22 0

¢¸¬¸Ÿ¸Ê ¬¸½À Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸¸Ê ˆ½Å œ¸½’½ of Which : Contingent 27729.78 0 X

Provision against Standard
‚¸ˆÅ¦¬Ÿ¸ˆÅ œÏ¸¨¸š¸¸›¸
Advances

¢¸¬¸Ÿ¸Ê ¬¸½À ‚›¡¸ (œÏ¸¨¸š¸¸›¸¸Ê ¬¸¢í÷¸) of Which : Other (including 190408.65 0 W

provision)

ˆºÅ¥¸ Total 6911790.75 0.00

‰¸ ‚¸¦¬÷¸¡¸¸¿ B Assets 1369990.54

i ž¸¸£÷¸ú¡¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ›¸ˆÅ™ú i Cash and balances with 228107.53 0
Reserve Bank of India
‡¨¸¿ ©¸½«¸
¤¸¾ˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ Balance with banks and money 1141883.01 0
at call and short notice
¬¸»¸›¸¸ œ¸£ ™½¡¸ £¸¢©¸
ii ¢›¸¨¸½©¸ ii Investments 1288940.57 0

‚›¸º¬¸»¸ú ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ Schedule Govt. Securities 1095717.87 0 N

8 ‚›¡¸ ‚›¸ºŸ¸¸½¢™÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 8 Other approved securities 16075.28 0 O

©¸½¡¸£ Shares 18828.03 0 P

¢”¤¸Ê¸£ ‡¨¸¿ ¤¸¸¿” Debentures & Bonds 36688.93 0 Q

‚›¸º«¸¿¢Š¸¡¸¸ ‚¸¾£/ ‚˜¸¨¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Subsidiaries and/or JVs India & 7364.96 0 R
ABOROAD
ž¸¸£÷¸ ‡¨¸¿ ¢¨¸™½©¸ Ÿ¸½¿
‚›¡¸ ¢›¸¨¸½©¸ Other investments 114265.50 0 S

32
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

(£¸¢©¸ ¢Ÿ¸¢¥¸¡¸›¸ ` Ÿ¸Ê) (Amt ` in Million)

¢¨¸¨¸£µ¸ Particulars ¢¨¸î¸ú¡¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¬¸¿™ž¸Ä ¬¸¿.
¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ®¸½°¸ Ref. No.
‚›¸º¬¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸
÷¸º¥¸›¸ œ¸°¸ ÷¸º¥¸›¸ œ¸°¸
Balance sheet Balance
as in financial sheet under
statements regulatory
scope of
consolidation
31.03.2016 31.03.2016

iii †µ¸ ‡¨¸¿ ‚¢ŠÏŸ¸ iii Loans and advances 3914859.85 0

¤¸’Ã’¸ˆ¼Å÷¸ ‡¨¸¿ ‰¸£ú™½ Š¸¡¸½ ¢¤¸¥¸ BILLS PURCHASED & 500081.13 0

DISCOUNTED

›¸ˆÅ™ †µ¸, ‚¸½¨¸£”ï¸É’ ‡¨¸¿ Ÿ¸¸¿Š¸ œ¸£ CASH CREDITS, 1721865.90 0

OVERDRAFTS & LOANS
œÏ¢÷¸™½¡¸ †µ¸
REPAYABLE ON DEMAND

Ÿ¸ú¡¸¸™ú †µ¸ TERM LOANS 1692912.82 0

iv ‚¸¥¸ ‚¸¦¬÷¸¡¸¸¿ iv Fixed assets 63591.71 0

v ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ v Other assets 274408.07 0

‚›¸º¬¸»¸ú ¢¸¬¸Ÿ¸Ê ¬¸½À ¬¸¸‰¸ ‡¨¸¿ ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸¿ Schedule of which: Goodwill and 0.00 0 L
intangible assets

11 ¢¸›¸Ÿ¸Ê ¬¸½ À ¬¸¸‰¸ 11 Out of which: Goodwill 0 0

‚›¡¸ ‚Ÿ¸»÷¸Ä (‡Ÿ¸‡¬¸‚¸£ ˆÅ¸½ Ž¸½”ˆÅ£) Other intangibles (excluding 241778.22 0

MSRs)

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ Deferred tax assets 32629.85 0 M

vi ¬¸Ÿ¸½ˆÅ›¸ ¬¸¿¤¸¿š¸ú ¬¸¸‰¸ vi Goodwill on consolidation 0 0

vii ¥¸¸ž¸ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ›¸¸Ÿ¸½ ©¸½«¸ vii Debit balance in Profit & Loss 0 0
account

ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ Total Assets 6911790.75 0.00

¬¸¸£µ¸ú ”ú‡ûÅ - 13 À ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸¸Ê ˆ½Å Ÿ¸º‰¡¸ ¢¨¸©¸½«¸÷¸¸‡¿À
†µ¸ œ¸»¿¸ú ¢¥¸‰¸÷¸¸Ê ¬¸¿¤¸¿š¸ú œÏˆÅ’úˆÅ£µ¸ ÷¸˜¸¸ †µ¸ œ¸»¿¸ú ¢¥¸‰¸÷¸¸Ê ˆÅú ¢›¸¡¸Ÿ¸ ‡¨¸¿ ©¸÷¸½ô
ˆÅ¸½ ‚¥¸Š¸ ¬¸½ œÏˆÅ’ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. œÏˆÅ’úˆÅ£µ¸ Ÿ¸Ê ¸¸›¸½ ˆ½Å ¢¥¸‡ ¡¸í¸¿ ¦Æ¥¸ˆÅ ˆÅ£Ê.
¬¸¸£µ¸ú ”ú‡ûÅ - 14 À ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸¸Ê ˆ½Å ¬¸ž¸ú ¢›¸¡¸Ÿ¸ ‡¨¸¿ ©¸÷¸½ôÀ
Table DF -13 Main Features of Regulatory Capital Instruments:
Disclosures pertaining to debt capital instruments and the terms
and conditions of debt capital instruments have been disclosed
separately. Click here to access the disclosures.
Table DF-14: Full Terms and Conditions of Regulatory Capital
Instruments

œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ ‚¥¸Š¸ ¬¸½ ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾. œ¸»¿¸úŠ¸÷¸ ¢¥¸‰¸÷¸¸Ê ˆÅú ¢›¸¡¸Ÿ¸ ‡¨¸¿ The details of Capital instruments are separately disclosed. Click
the related links to view the terms and conditions of the capital
©¸÷¸¸½ô ˆÅ¸½ ™½‰¸›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¤¸¿¢š¸÷¸ ¢¥¸¿ˆÅ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê.
instruments.

ÇÅ.¬¸¿. ¢¥¸‰¸÷¸ Instruments

Sr. No
1 ¢’¡¸£ I ‚¸ƒÄœ¸ú”ú‚¸ƒÄ ‡¬¸‚¸£ - I TIER I IPDI SR – I
2 ¢’¡¸£ I (‚¸ƒÄœ¸ú”ú‚¸ƒÄ) ‡¬¸‚¸£ - II TIER I (IPDI) SR –II
3 ¢’¡¸£ I (‚¸ƒÄœ¸ú”ú‚¸ƒÄ) ‡¬¸‚¸£ - III TIER I (IPDI) SR –III

33
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

4 ¢’¡¸£ I (‚¸ƒÄœ¸ú”ú‚¸ƒÄ) ‡¬¸‚¸£ - IV TIER I (IPDI) SR –IV

5 ¢’¡¸£ I (‚¸ƒÄœ¸ú”ú‚¸ƒÄ) ‡¬¸‚¸£ - V TIER I (PDI) SR – V
6 ¤¸¸¿” ¬¸ú£ú¸ -VII BOND SERIES – VII
7 ¤¸¸¿” ¬¸ú£ú¸ -VIII BOND SERIES – VIII
8 ¤¸¸¿” ¬¸ú£ú¸ - IX BOND SERIES –IX
9 ¤¸¸¿” ¬¸ú£ú¸ - X BOND SERIES –X
10 ¤¸¸¿” ¬¸ú£ú¸ -XI BOND SERIES –XI
11 ¤¸¸¿” ¬¸ú£ú¸ -XII BOND SERIES –XII
12 ¤¸¸¿” ¬¸ú£ú¸ -XIII BOND SERIES –XIII
13 ¤¸¸¿” ¬¸ú£ú¸ -XIV BOND SERIES –XIV
14 ¤¸¸¿” ¬¸ú£ú¸ -XV BOND SERIES –XV
15 ¤¸¸¿” ¬¸ú£ú¸ -XVI BOND SERIES – XVI
16 ¤¸¸¿” ¬¸ú£ú¸ -XVII BOND SERIES – XVII
17 ‡Ÿ¸’ú‡›¸ ¤¸¸¿” - MTN Bonds

¬¸¸£µ¸ú ”ú‡ûÅ - 15 À œ¸¸¢£ª¢Ÿ¸ˆÅ ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿ Table DF-15: Disclosure Requirements for Remuneration

¸»¿¢ˆÅ ¤¸ÿˆÅ ‚¸ÁûöÅ ¤¸”õ¸¾™¸ ‡ˆÅ ¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ ˆÅ¸ ¤¸ÿˆÅ í¾, ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å
œ¸¢£œ¸°¸ ¬¸¿. ”ú¤¸ú‚¸½”ú.‡›¸‚¸½.¤¸ú¬¸ú.72 / 29.67.001/2001-12 ¢™›¸¸¿ˆÅ 13 ¸›¸¨¸£ú,
2012 ˆ½Å ‚›¸º¬¸¸£ ÷¸¸¢¥¸ˆÅ¸ ”ú‡ûÅ - 15 ퟸ¸£½ …œ¸£ ¥¸¸Š¸» ›¸íú¿ í¾.
¬¸¸£µ¸ú ”ú‡ûÅ - 16 ƒ¦Æ¨¸’úÀ ¤¸ÿ¢ˆ¿ÅŠ¸ ¤¸íú ¦¬˜¸¢÷¸ ˆÅ¸ œÏˆÅ’úˆÅ£µ¸
ƒ¦Æ¨¸’ú ¸¸½¢‰¸Ÿ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’úˆÅ£µ¸ (ƒ¬¸ ‚›¸º¥¸Š›¸ˆÅ ˆÅ¸ œ¸¾£¸
2.1) ¢¸¬¸Ÿ¸½¿ ©¸¸¢Ÿ¸¥¸ íÿÀ
¢¨¸™½©¸ú ‡¨¸¿ ž¸¸£÷¸ú¡¸ ‚›¸º«¸¿¢Š¸¡¸¸Ê, ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ‚¸¾£ ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ¸Ê Ÿ¸Ê ¬¸ž¸ú
ƒ¦Æ¨¸’ú ‡¸’úŸ¸ ¢›¸¨¸½©¸ ¡¸½ ›¸ú¢÷¸œ¸£ˆÅ œÏˆ¼Å¢÷¸ ˆ½Å íÿ.
‡¸’ú‡Ÿ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œ¸Ö¢÷¸
œ¸¢£œ¸Æ¨¸÷¸¸ œ¸£ š¸¸¢£÷¸ ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¤¸¸¸¸£ ˆ½Å ¢¥¸‡ ¢¸¦›í÷¸
ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ ›¸íú¿ í¾ ‚¸¾£ „¬¸½ ‚¢š¸ŠÏíµ¸ ˆÅú ¥¸¸Š¸÷¸ œ¸£ Ÿ¸¸›¸¸ ¸¸‡Š¸¸ ¸¤¸ ÷¸ˆÅ ¢ˆÅ
¨¸í ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ ›¸ í¸½. ƒ¬¸ Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê œÏú¢Ÿ¸¡¸Ÿ¸ œ¸¢£œ¸Æ¨¸÷¸¸ ˆÅú ©¸½«¸ ‚¨¸¢š¸
÷¸ˆÅ œ¸¢£©¸¸½¢š¸÷¸ í¸½›¸ú ¸¸¢í‡. ¸»¿¢ˆÅ ¤¸ÿˆÅ ¥¸Š¸¸÷¸¸£ ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¥¸¸Š¸÷¸ (”¤¥¡¸»‡¬¸ú)
ˆÅú ¥¸½‰¸¸¿ˆÅ›¸ œ¸Ö¢÷¸ ˆÅ¸½ ‚œ¸›¸¸ £í¸ í¾ ‚÷¸À ¢©¸¦É’¿Š¸ ‚¸¾£ ¢œÏ¢Ÿ¸¡¸Ÿ¸ œ¸¢£©¸¸½š¸›¸ ˆÅú
Š¸µ¸›¸¸ ˆ½Å „Ó½©¡¸ ¬¸½ ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¥¸¸Š¸÷¸ (”¤¥¡¸»‡¬¸ú) ‚¢š¸ŠÏíµ¸ ˆÅú ¥¸¸Š¸÷¸ í¸½Š¸ú.
¤¸ÿˆÅ ‚›¸º«¸¿¢Š¸¡¸¸Ê / ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Ÿ¸½ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê, ‚¬˜¸¸¡¸ú ˆ½Å ‚¥¸¸¨¸¸
¢ˆÅ¬¸ú ž¸ú ݸ¬¸ ˆÅ¸½ Ÿ¸¸›¸÷¸¸ í¾, ¸¸½ œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ í¸Ê
‚¸¾£ „›¸ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¸½. ‡½¬¸½ ݸ¬¸ ˆÅ¸½ ‡ˆÅ¥¸ ³Åœ¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸¡¸
‚¸¾£ „¬¸ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸‡.
As Bank of Baroda is a Public Sector bank Table DF -15 is not applicable
to us as per Circular No DBOD.NO.BC.72/29.67.001/2001-12 dated
January 13, 2012 of the Reserve Bank of India.
Table DF-16: Equities- Disclosure for Banking Book Positions
The general qualitative disclosure (Para 2.1 of this annex) with
respect to equity risk, including :
All equity HTM investments are in Foreign and Indian Subsidiaries ,
JVs and RRBs . These are of Strategic in nature.
Valuation methodology of HTM
Investments classified under Held to Maturity category need not be
marked to market and will be carried at acquisition cost unless it
is more than the face value, in which case the premium should be
amortized over the period remaining to maturity. Since the Bank
has consistently been following the Weighted Average Cost (WAC)
method of accounting, the WAC will be the acquisition cost for
the purpose of shifting and also for the calculation of premium for
amortization.
Bank is recognizing any diminution, other than temporary, in the
value of their investments in subsidiaries/ joint ventures, which are
included under Held to Maturity category and provide there for.
Such diminution is determined and provided for each investment
individually.

34
 ¤¸¸¬¸½¥¸ III ¢œ¸¥¸£ III œÏˆÅ’úˆÅ£µ¸
Basel III Pillar III Disclosures

ÇÅŸ¸ ¬¸¿. Ÿ¸™ Item £¸¢©¸ (¥¸¸‰¸¸Ê Ÿ¸Ê)

Sr. No. Amount (in Lakhs)
1 ¢›¸¨¸½©¸ Investments 172064.90
1.1 ÷¸º¥¸›¸-œ¸°¸ ˆ½Å ‚›¸º¬¸¸£ As per Balance Sheet 170122.16
1.2 „¢¸÷¸ Ÿ¸»¥¡¸ Fair Value 170122.16
„Ö¼÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸¸¨¸Ä¸¢›¸ˆÅ ³Åœ¸ ¬¸½ „Ö¼÷¸ ©¸½¡¸£ For quoted securities, a comparison to publicly -
quoted share values where the share price is
Ÿ¸»¥¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ ¸í¸¿ ©¸½¡¸£ ˆÅú ˆÅúŸ¸÷¸ „¢¸÷¸ Ÿ¸»¥¡¸ ¬¸½ ¨¸¸¬÷¸¨¸
materially different from fair value.
Ÿ¸Ê ¢ž¸››¸ í¾.
2 ¢›¸¨¸½©¸ ˆÅ¸ œÏˆÅ¸£ Type of investment
2.1 ‡¸’ú‡Ÿ¸ HTM
2.1.1 ¬¸¸¨¸Ä¸¢›¸ˆÅ ³Åœ¸ ¬¸½ ’ï½” ˆÅú Š¸ƒÄ Publicly traded -
2.1.2 ¢›¸¸ú ³Åœ¸ ¬¸½ š¸¸¢£÷¸ Privately held 172064.90
3 ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ Ÿ¸Ê ¢¤¸ÇÅú ÷¸˜¸¸ ¬¸Ÿ¸¸œ¸›¸¸Ê ¬¸½ „÷œ¸››¸ ¬¸¿¸¡¸ú ¨¸¬¸»¥¸ú Cumulative realised gains (losses) arising from -
sales and liquidations in the reporting period.
œÏ¸¦œ÷¸¡¸¸¿ (í¸¢›¸¡¸¸¿)
4 ˆºÅ¥¸ ‚¨¸¬¸»¥¸úˆ¼Å÷¸ œÏ¸¦œ÷¸¡¸¸¿ (í¸¢›¸¡¸¸¿)* Total unrealised gains (losses)* -
5 ˆºÅ¥¸ ‚¿÷¸¢›¸Ä¢í÷¸ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ œÏ¸¦œ÷¸¡¸¸¿ (í¸¢›¸¡¸¸¿)** Total latent revaluation gains (losses)** -
6 „œ¸£¸½Æ÷¸ Ÿ¸Ê ¬¸½ ˆÅ¸½ƒÄ ž¸ú £¸¢©¸ ¸¸½ ’ú¡¸£ 1 ‚¸¾£/ ¡¸¸ ’ú¡¸£ 2 Any amounts of the above included in Tier 1 and/
or Tier 2 capital.
œ¸»¿¸ú Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾.
7 ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œ¸¡¸Ä¨¸½®¸ú œ¸¢£¨¸÷¸Ä›¸ Capital requirements broken down by appropriate
equity groupings, consistent with the bank’s
‚˜¸¨¸¸ œ¸º£¸›¸½ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚š¸ú›¸ ¤¸ÿˆÅ ˆÅú ˆÅ¸¡¸Ä œ¸Ö¢÷¸, ˆºÅ¥¸
methodology, as well as the aggregate amounts
£¸¢©¸ ÷¸˜¸¸ ƒ¦Æ¨¸’ú ¢›¸¨¸½©¸ ˆ½Å œÏˆÅ¸£ ˆ½Å ‚›¸º¬¸¸£ „¢¸÷¸ ƒ¦Æ¨¸’ú and the type of equity investments subject to any
¬¸Ÿ¸»íúˆÅ£µ¸ ׸£¸ ‚¥¸Š¸-‚¥¸Š¸ ˆÅú Š¸ƒÄ œ¸»¿¸ú ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿. supervisory transition or grandfathering provisions
regarding regulatory capital requirements

”ú‡ûÅ-17- ¥¸½‰¸¸¿ˆÅ›¸ ‚¸¦¬÷¸¡¸¸Ê ¨¸ ¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ ‡Æ¬¸œ¸¸½¸£ ‚¸ˆÅ¥¸›¸ ˆÅ¸ DF-17- Summary Comparison of accounting assets vs Leverage
÷¸º¥¸›¸¸÷Ÿ¸ˆÅ ¬¸¸£¸¿©¸ Ratio exposure measure

ÇÅŸ¸ ¬¸¿. Ÿ¸™ Item £¸¢©¸ (¢Ÿ¸¢¥¸¡¸›¸ Ÿ¸Ê)

Sr. No. Amount (in Million)
1 œÏˆÅ¸¢©¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆºÅ¥¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ‚¸¦¬÷¸¡¸¸¿ Total Consolidated Assets as per published financial 69,33,046.98
statements
2 ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸î¸ú¡¸, ¤¸úŸ¸¸ ¡¸¸ ¨¸¸¢µ¸¦¡¸ˆÅ ƒˆÅ¸ƒ¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ Adjustment for investments in banking, financial, 3745.32
insurance or commercial entities that are
¬¸Ÿ¸¸¡¸¸½¸›¸, ¸¸½ ¥¸½‰¸¸¿ˆÅ›¸ ˆ½Å „Ó½©¡¸ ¬¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢ˆÅ‡ Š¸‡ íÿ
consolidated for accounting puposes but outside
œ¸£¿÷¸º ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ¬¸½ ¤¸¸í£ íÿ the scope of regulatory consolidation.
3 œ¸¢£¸¸¢¥¸÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ü½ÅŸ¸¨¸ˆÄÅ ˆ½Å ‚›¸º¬¸¸£ ÷¸º¥¸›¸-œ¸°¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ Adjustment for fiduciary assets recognised on the
balance sheet pursuant to the operative accounting
ˆÅú Š¸ƒÄ ¨¸¾æ¸¸¢¬¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸, œ¸£¿÷¸º ¸¸½
framework but excluded from the leverage ratio
¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ ‡Æ¬¸œ¸¸½¸£ ‚¸ˆÅ¥¸›¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾. exposure measure.
4 ”½¢£¨¸½¢’¨¸ ¢¨¸î¸ú¡¸ ¢¥¸‰¸÷¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ Adjustments for derivative financial instruments 48,310.60

5 œÏ¢÷¸ž¸»÷¸ú ¢¨¸î¸œ¸¸½«¸µ¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸ (‚˜¸¸Ä÷¸ Adjustment for securities financing transactions (i.e.
repos and similar secured lending)
¢£œ¸¸½¸ ‡¨¸¿ „¬¸ˆ½Å ¬¸Ÿ¸¸›¸ ¬¸º£¢®¸÷¸ †µ¸)
6 ÷¸º¥¸›¸-œ¸°¸ ¤¸¸à¸ Ÿ¸™¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸ (‚˜¸¸Ä÷¸ ÷¸º¥¸›¸-œ¸°¸ Adjustment for off balance sheet items (i.e. 6,87,407.05
conversion to credit equivalent amounts of off-
¤¸¸à¸ ‡Æ¬¸œ¸¸½¸£ ˆÅú ǽŢ”’ ¬¸Ÿ¸ˆÅ®¸ £¸¢©¸¡¸¸Ê Ÿ¸Ê ³Åœ¸¸¿÷¸£µ¸)
balance sheet exposure)
7 ‚›¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ Other adjustments

8 ¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ ‡Æ¬¸œ¸¸½¸£ Leverage ratio exposure 7665019.31

35
 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Annual Report
2015 - 2016

”ú‡ûÅ -18 - ¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ ˆÅ¸ÁŸ¸›¸ œÏˆÅ’úˆÅ£µ¸ ›¸Ÿ¸»›¸¸ DF - 18 - Leverage Ratio Common disclosure template

£¸¢©¸ (¢Ÿ¸¢¥¸¡¸›¸ Ÿ¸Ê)

Amount (in Million)
ÇÅŸ¸ ¬¸¿. ¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ ˆÅ¸ÁŸ¸›¸ œÏˆÅ’úˆÅ£µ¸ ›¸Ÿ¸»›¸¸ Leverage Ratio Common Disclosure Template Mar-16
Sr. No. Ÿ¸™ Item ¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ ü½ÅŸ¸¨¸ˆÄÅ
Leverage Ratio Framework
÷¸º¥¸›¸-œ¸°¸ ˆÅ¸ ‡Æ¬¸œ¸¸½¸£ On-Balance sheet Exposures
1 ÷¸º¥¸›¸-œ¸°¸ ˆÅú Ÿ¸™Ê (”½¢£¨¸½¢’¨¸¬¸ ÷¸˜¸¸ ‡¬¸‡ûÅ’ú ˆÅ¸½ Ž¸½”ˆÅ£ On-Balance sheet items (excluding derivatives 69,33,046.98
and SFTs, but including collateral)
œ¸£¿÷¸º ¬¸Ÿœ¸¸¢æ¸ÄˆÅ ˆÅ¸½ ¢Ÿ¸¥¸¸ˆÅ£)
2 (œ¸¢£¸¸¢¥¸÷¸ ¤¸¸¬¸½¥¸ III ’ú¡¸£ 1 œ¸»¿¸ú Ÿ¸Ê ‹¸’¸¡¸ú Š¸ƒÄ ‚¸¦¬÷¸ (Asset amounts deducted in determining Basel -3,745.32
III Tier 1 capital)
£¸¢©¸¡¸¸¿)
3 ÷¸º¥¸›¸-œ¸°¸ ˆÅ¸ ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ Total On-balance sheet exposures 69,29,301.66
”½¢£¨¸½¢’¨¸ ‡Æ¬¸œ¸¸½¸£ Derivative Exposures
4 ¬¸ž¸ú ”½¢£¨¸½¢’¨¸ ¬¸¿¨¡¸¨¸í¸£¸Ê Ÿ¸Ê ¬¸ŸŸ¸¢¥¸÷¸ œÏ¢÷¸¬˜¸¸œ¸›¸ ¥¸¸Š¸÷¸ Replacement cost associated with all derivatives 16,332.10
transactions (i.e. net of eligible cash variation
(‚˜¸¸Ä÷¸ œ¸¸°¸ ›¸ˆÅ™ú ‚¿÷¸£ Ÿ¸¸¢¸Ä›¸ ˆÅ¸ ¢›¸¨¸¥¸)
margin)
5 ¬¸ž¸ú ”½¢£¨¸½¢’¨¸ ¬¸¿¨¡¸¨¸í¸£¸Ê Ÿ¸Ê ¬¸¢ŸŸ¸¢¥¸÷¸ œ¸ú‡ûÅƒÄ ˆ½Å ¢¥¸‡ Add-on amounts for PFE associated with all 31,978.50
derivatives transactions
¨¸¢š¸Ä÷¸ £¸¢©¸¡¸¸¿
6 ”½¢£¨¸½¢’¨¸ ¬¸¿œ¸¸¢æ¸ÄˆÅ ˆ½Å ¢¥¸‡ ŠÏ¸Á¬¸-‚œ¸ ¤¸©¸÷¸½Ä ¢ˆÅ ¸í¸¿ Gross-up for derivatives collateral provided -
where deducted from the balance sheet assets
œ¸¢£¸¸¢¥¸÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ü½ÅŸ¸¨¸ˆÄÅ ˆ½Å ‚›¸º¬¸¸£ ÷¸º¥¸›¸œ¸°¸
pursuant to the operative accounting framework
‚¸¦¬÷¸¡¸¸Ê ¬¸½ ‹¸’¸¡¸ú Š¸ƒÄ í¸Ê

7 (”½¢£¨¸½¢’¨¸ ¥¸½›¸™½›¸¸Ê Ÿ¸Ê ›¸ˆÅ™ú ‚¿÷¸£ Ÿ¸¸¢¸Ä›¸ ˆ½Å ¢¥¸‡ œÏ¸œ¡¸ (Deductions of receivables assets for cash -
variation margin in derivatives transactions)
‚¸¦¬÷¸¡¸¸Ê ˆÅú ˆÅ’¸¾÷¸ú)
8 (Æ¥¸¸ƒ¿’-Æ¥¸ú¡¸”Ä ’ï½” ‡Æ¬¸œ¸¸½¸£ ˆÅú Ž»’ œÏ¸œ÷¸ ¬¸ú¬¸úœ¸ú (Exempted CCP leg of client-cleared trade -
exposures)
¥¸½Š¸)
9 ¢¥¸¢‰¸÷¸ ǽŢ”’ ”½¢£¨¸½¢’¨¬¸ ˆÅú ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ œÏž¸¸¨¸ú Adjusted effective notional amount of written -
credit derivatives
‚›¸ºŸ¸¸¢›¸÷¸ £¸¢©¸
10 (¢¥¸¢‰¸÷¸ ǽŢ”’ ”½¢£¨¸½¢’¨¸¬¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ œÏž¸¸¨¸ú (Adjusted effective notional offsets and add-on -
deduction for written credit derivatives)
‚›¸ºŸ¸¸¢›¸÷¸ ‚¸ÁûŬ¸½’ ‡¨¸¿ ‡”-‚¸Á›¸ ˆÅ’¸¾÷¸ú)
11 ˆºÅ¥¸ ”½¢£¨¸½¢’¨¸¬¸ ‡Æ¬¸œ¸¸½¸£ Total derivative exposures 48,310.60
œÏ¢÷¸ž¸»¢÷¸ ¢¨¸î¸œ¸¸½«¸µ¸ ¬¸¿¨¡¸¨¸í¸£ ‡Æ¬¸œ¸¸½¸£ Securities Financing Transaction Exposures
12 ¬¸ˆÅ¥¸ ‡¬¸‡ûÅ’ú ‚¸¦¬÷¸¡¸¸¿ (©¸ºÖ ˆÅ£›¸½ ˆÅú ‡Ÿ¸‚¸½ ¬¨¸úˆ¼Å¢÷¸ Gross SFT assets (with mo recognition of -
netting), after adjusting for sale accounting
¬¸¢í÷¸), ¢¤¸ÇÅú ¥¸½‰¸¸¿ˆÅ›¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸
transactions
ˆÅ£›¸½ ˆ½Å ¤¸¸™
13 (¬¸ˆÅ¥¸ ‡¬¸‡ûÅ’ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ›¸ˆÅ™ú ™½¡¸ ÷¸˜¸¸ ›¸ˆÅ™ú (Netted amounts of cash payables and cash -
receivables of gross SFT assets)
œÏ¸œ¡¸ ˆÅú ©¸ºÖ ˆÅú Š¸ƒÄ £¸¢©¸)
14 ‡¬¸‡ûÅ’ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸ú¬¸ú‚¸£ ‡Æ¬¸œ¸¸½¸£ CCR exposure for SFT assets -
15 ‡¸Ê’ ¬¸¿¨¡¸¨¸í¸£ ‡Æ¬¸œ¸¸½¸£ Agent transaction exposures -
16 ˆºÅ¥¸ œÏ¢÷¸ž¸»¢÷¸ ¢¨¸î¸œ¸¸½«¸µ¸ ¬¸¿¨¡¸¨¸í¸£ ‡Æ¬¸œ¸¸½¸£ Total securities financing transaction exposure -
‚›¡¸ ÷¸º¥¸›¸œ¸°¸ ¤¸¸à¸ ‡Æ¬¸œ¸¸½¸£ Other off-balance sheet exposures
17 ¬¸ˆÅ¥¸ ‚›¸ºŸ¸¸¢›¸÷¸ £¸¢©¸ œ¸£ ÷¸º¥¸›¸œ¸°¸ ¤¸¸à¸ ‡Æ¬¸œ¸¸½¸£ Off-balance sheet exposure at gross notional 16,44,469.70
amount
18 (†µ¸ ¬¸Ÿ¸ˆÅ®¸ £¸¢©¸¡¸¸Ê ˆ½Å ³Åœ¸¸¿÷¸£µ¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸) (Adjustments for conversion to credit equivalent -9,57,062.65
amounts)
19 ÷¸º¥¸›¸œ¸°¸ ¤¸¸à¸ Ÿ¸™Ê Off-Balance sheet items 6,87,407.05
œ¸»¿¸úŠ¸÷¸ ‡¨¸¿ ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ Capital and total exposures
20 ’ú¡¸£ 1 œ¸»¿¸ú Tier 1 capital 4,46,814.29
21 ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ Total Exposures 76,65,019.31
¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ Leverage ratio
22 ¤¸¸¬¸½¥¸ III ¥¸ú¨¸£½¸ ‚›¸ºœ¸¸÷¸ Basel III leverage ratio 5.83%

36