:S SIS 1-115 ~ ALLAHABAD BANK ~ !'T<:1T -« cffl- q- "ef f7 VT A tradition of trust 1···,;· . www.allahabadbank.in

Shares and Bonds Department Head Office

Dated: 02.06.2018 Ref. No. HO/SD/105 \ The Vice Pr ident National ock Exchange of India Ltd. Excha e Plaza, Ban a- Kurla Complex B dra East, __ umbai-400 051 ~ The Vice President BSE Ltd. 25, P. J. Towers JDalal Street Mumbai-400001

Dear Sir /Madam,

Subject: Copy of Annual Report 2017-18 of the Bank

In terms of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith a copy of Annual Report 2017- 18 of the Bank.

Further, we submit that the Business Responsibility Report forms part of the said Annual Report 2017-18.

This is for your perusal and records please.

Encl: As stated

2, -=tii;;ft ~ m, ~ - 100 001. 1fiR : 033-2242-085113313109001091210883, 2210-3111. ~ : 2248-1111 2, Netaji Subhas Road, Kolkata - 700 001. Ph.: 033-2242-0851/3373/0900/0912/0883, 2210-3777, Fax: 2248-1771

<±ÉþɽþɤÉÉnù ¤ÉéEò ALLAHABAD BANK |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ : 2, xÉäiÉÉVÉÒ ºÉÖ¦ÉÉ¹É ®úÉäb÷, EòÉä±ÉEòÉiÉÉ-700 001 HEAD OFFICE: 2, NETAJI SUBHAS ROAD, KOLKATA- 700 001 www.allahabadbank.in ´ÉÉ̹ÉEò |ÉÊiÉ´ÉänùxÉ ANNUAL REPORT 2 0 1 7 - 1 8

ʴɹɪÉ-ºÉÚSÉÒ / Contents {ÉÞ¹`ö ºÉÆ. / Page No.

 rl=uNfU, ÖtuFtvheGfU, ¨É½þÉ|ɤÉÆvÉEò MÉhÉ ytr=/

Directors, Auditors, General Managers etc. 02-04

 ¤ÉéEò Eäò ÊxÉnäù¶ÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ/

Directors’ Report of the Bank 05-23

 |ɤÉÆvÉxÉ SÉSÉÉÇ +Éè® Ê´É¶±Éä¹ÉhÉõ/

Management Discussion and Analysis 24-40

 ´ªÉ´ÉºÉÉªÉ =kÉ®únùÉʪÉi´É Ê®ú{ÉÉä]Çõ/

Business Responsibility Report 41-51

 ¤ÉɺÉä±É - III |ÉEò]õÒEò®úhÉ/

Basel - III Disclosures 52-119

 fUthvtuhux dJluoàm {É®ú Ê®ú{ÉÉä]Çõ/

Report on Corporate Governance 120-154

 fUthvtuhux dJluoàm {É®ú ±ÉäJÉÉ{É®úÒIÉEòÉå fUt ŒbtKvºt/

Auditors’ Certificate on Corporate Governance 155

 ºÉÒ<Ç+Éä +Éè®ú ºÉÒB¡ò+Éä uùÉ®úÉ +xÉÖ{ÉɱÉxÉ |ɨÉÉhÉ{ÉjÉ/ Compliance Certificate by CEO and CFO 156-157

 ¤ÉéEò Eäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉ/

Financial Statements of the Bank 158-221

 ¤ÉéEò Eäò ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ/

Auditors’ Report of the Bank 222-223

 ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ/

Consolidated Financial Statements 224-258

 ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ {É®ú ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ/ Auditors’ Report on Consolidated Financial Statements 259-262

 <±ÉäC]ÅõÉìÊxÉEò °ü{É ¨Éå ±ÉɦÉÉÆ¶É ¦ÉÖMÉiÉÉxÉ ½äþiÉÖ +ÊvÉnäù¶É ¡òɨÉÇ/

Mandate form for payment of dividend electronically 263-264

1 <±ÉɽþɤÉÉnù ¤ÉéEò ALLAHABAD BANK |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ : 2, xÉäiÉÉVÉÒ ºÉÖ¦ÉÉ¹É ®úÉäb÷, EòÉä±ÉEòÉiÉÉ-700 001 HEAD OFFICE: 2, NETAJI SUBHAS ROAD, KOLKATA- 700 001

ÊxÉnäù¶ÉEò ¨ÉÆb÷±É /BOARD OF DIRECTORS (ªÉlÉÉκlÉÊiÉ/AS ON 31-03-2018)

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ * |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Smt. Usha Ananthasubramanian * Managing Director and CEO 2. ¸ÉÒ BxÉ. Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri S Harisankar Executive Director 4. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò Shri Rajeev Ranjan Government Nominee Director 5. ¸ÉÒ Ê´É´ÉäEò nùÒ{É ¦ÉÉ.Ê®.ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò Shri Vivek Deep RBI Nominee Director 6. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇ +ƶÉEòÉʱÉEò MÉè®ú-ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò Prof. Radha R. Sharma Part Time Non-Official Director 7. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú-ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò Shri Gautam Guha Part Time Non-Official Director 8. b÷Éì. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Bijaya Kumar Sahoo Shareholder Director 9. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Shri Sarath Sura Shareholder Director 10. b÷Éì. {ÉÉlÉÇ|ÉÊiÉ¨É {ÉɱÉú ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Parthapratim Pal Shareholder Director

* 6 ¨É<Ç 2017 ºÉä ¤ÉéEò EòÒ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ* * Managing Director and CEO of the Bank w.e.f. 6th May, 2017. ¸ÉÒ ®úÉEäò¶É ºÉä`öÒ xÉä 30.04.2017 EòÉä +ÊvÉ´É̹ÉiÉÉ |ÉÉ{iÉ Eò®úxÉä {É®ú +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò EòÉ +{ÉxÉÉ EòɪÉÇEòÉ±É {ÉÚ®úÉ ÊEòªÉÉ* Shri Rakesh Sethi completed his tenure of Chairman and Managing Director on attaining the age of superannuation on 30.04.2017. ±ÉäJÉÉ-{É®úÒIÉEò/AUDITORS 1. ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú M/s Raju & Prasad Chartered Accountants 2. ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú M/s Kansal Singla & Associates Chartered Accountants 3. ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú M/s Nandy Halder & Ganuli Chartered Accountants 4. ¨Éä. näù BÆb÷ ¤ÉÉäºÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú M/s De & Bose Chartered Accountants 5. ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú M/s GNS & Associates Chartered Accountants

®úÊVɺ]ÅõÉ®ú B´ÉÆ ¶ÉäªÉ®ú +ÆiÉ®úhÉú BVÉå]õ/REGISTRAR & SHARE TRANSFER AGENT

ºÉÒ¤ÉÒ ¨ÉèxÉäVɨÉå]õ ºÉ̴ɺÉäVÉ (|ÉÉ) ʱÉ. CB Management Services (P) Ltd. (ªÉÚÊxÉ]õ: <±ÉɽþɤÉÉnù ¤ÉéEò) (Unit: Allahabad Bank) {ÉÒ-22 ¤ÉÆbä÷±É ®úÉäb÷÷, P-22, Bondel Road, EòÉä±ÉEòÉiÉÉ-700019 Kolkata-700019. nÚù®ú¦ÉÉ¹É ºÉÆ. : 033-40116700, Telephone No. : 033-40116700 ¡èòCºÉ ºÉÆ. : 033-40116739 Fax No. : 033-40116739 <ǨÉä±É: [email protected] Email : [email protected]

2

<±ÉɽþɤÉÉnù ¤ÉéEò ALLAHABAD BANK ÊxÉnäù¶ÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ DIRECTORS’ REPORT

Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 (Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18) Eäò nÉè®ÉxÉ, ¤ÉéEò EòÉ ´ÉèÊ·ÉEò During the financial year 2017-18 (FY18), the Bank's global ´ªÉ´ÉºÉÉªÉ ´É¹ÉÇ-n®-´É¹ÉÇ 5.57% EòÒ ´ÉÞÊr nVÉÇ Eò®iÉä ½ÖB `3,80,040 business reached the level of `3,80,040 crore (`3.80 lakh Eò®Éäc (`3.80 ±ÉÉJÉ Eò®Éäc) iÉEò {ɽÖÆSÉ MɪÉÉ* ¤ÉéEò EòÉ +ÆiÉ®Éǹ]ÅÒªÉ ´ªÉ´ÉºÉÉªÉ crore), registering a Y-o-Y growth of 5.57%. The Bank's ´É¹ÉÇ-n®-´É¹ÉÇ 12.871 Eò®úÉäb÷à ®ú½þÉ +Éè®ú <ºÉxÉä Ê´Énäù¶ÉÒ +ÊOÉ¨É ¨Éå 12.82% international business stood at `12,871 crore and recorded a ´É¹ÉÇ-nù®ú-´É¹ÉÇ ÊMÉ®úÉ´É]õ Eäò EòÉ®úhÉ -8.91% EòÒ xÉEòÉ®úÉi¨ÉEò ´ÉÞÊr nVÉÇ EòÒ* negative Y-o-Y growth of -8.91% on account of 12.82% Y-o-Y ¨ÉÉSÉÇ, 17 Eäò +ÆiÉ ¨Éå ¤ÉéEò EòÒ ´ÉèÊ·ÉEò VɨÉÉ ®É榃 5.81% EòÒ ´ÉÞÊr Eäò ºÉÉlÉ drop in overseas advances. Global deposits of the Bank stood `2,13,604 Eò®Éäc ®½Ò +Éè® ºÉEò±É +ÊOÉ¨É 5.27% EòÒ ´ÉÞÊr Eäò ºÉÉlÉ at `2,13,604 crore which increased by 5.81% and gross `1,66,436 Eò®Éäc ®½É* +É{ÉEòÉ ¤ÉéEò Eò¨É ±ÉÉMÉiÉ EòÒ VɨÉÉ+Éå {É® vªÉÉxÉ advances grew by 5.27% and stood at `1,66,436 crore as at EåòÊpiÉ Eò®iÉÉ ®½É ÊVɺÉEäò {ÉÊ®hÉɨɺ´É°ü{É EòɺÉÉ VɨÉÉ ¨Éå ´É¹ÉÇ-n®-´É¹ÉÇ the end of Mar'18. Your Bank's continued focus on low cost 7.45% EòÒ +SUôÒ ´ÉÞÊr nVÉÇ ½Ö<Ç ½è +Éè® 31¨ÉÉSÉÇú, 2018 EòÉä ªÉlÉÉʺlÉÊiÉ deposits resulted in a healthy Y-o-Y growth of 7.45% in CASA ªÉ½ `98,419 Eò®Éäc ®½þÒ* iÉnxÉÆiÉ®, ªÉlÉÉʺlÉÊiÉ 31¨ÉÉSÉÇú, 2018 EòÉä deposits and the build-up stood at `98,419 crore as on 31st EòɺÉÉ +Æ¶É Ê{ÉU±Éä ´É¹ÉÇ Eäò 45.79% EòÒ iÉÖ±ÉxÉÉ ¨Éå ¤ÉgEò® 46.50% ½Éä Mar'18. Subsequently, CASA share improved to 46.50% as MɪÉÉ ½è* on 31st Mar'18 from 45.79% a year ago. ¤ÉéEò EòÉ {ÉÊ®SÉɱÉxÉMÉiÉ ±ÉÉ¦É +ÊOÉ¨É {ÉÉä]Ç¡òÉäʱɪÉÉå {É® n¤ÉÉ´É +Éè® {ÉÊ®hÉɨÉÒ The Bank's operating profit decreased by 11.08% Y-o-Y on Ê®´ÉºÉDZÉ/ ¤ªÉÉVÉ xÉ ±ÉMÉÉxÉä Eäò EòÉ®hÉ ´É¹ÉÇ-n®-´É¹ÉÇ 11.08% Eò¨É ½Ö+É ½è* account of stress on advances portfolio and resultant reversal/ ªÉ½ Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ `3438 Eò®Éäc ®½É* ÊxÉ´É±É ±ÉÉ¦É Eäò °ü{É non-booking of interest. It stood at `3438 crore during FY18. ¨Éå, Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¨Éå ½ÉÊxÉ EòÒ ¨ÉÉjÉÉ ¨Éå ´ÉÞÊrù ½Öþ<Ç CªÉÉåÊEò =SSiÉ®ú |ÉÉ´ÉvÉÉxÉ In terms of net profit, the quantum of losses increased in FY18 94.07% lÉÉ +Éè® ÊxÉ´É±É ¤ªÉÉVÉ +ÉªÉ ºiÉ®úÉå ¨Éå Eò¨ÉÒ +É<Ç lÉÒ* Ê{ÉU±Éä ´É¹ÉÇ as provisions were higher by 94.07% and there was a decrease EòÒ `314 Eò®Éäc EòÒ ÊxÉ´É±É ½ÉÊxÉà EòÒ iÉÖ±ÉxÉÉ ¨Éå Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¨Éå ÊxÉ´É±É in net-interest income levels. Net loss rose to `4674 crore in ½ÉÊxÉ ¤ÉgøEò®ú Eò® `4674 Eò®úÉäc÷ ½Ö<Ç* ¤ÉéEò EòÉ ºÉÒ+É®B+É® Ê´ÉkÉÒªÉ ´É¹ÉÇ FY18 as compared to a net loss of `314 crore a year ago. The 17 Eäò 11.45% Eäò ºÉÉ{ÉäIÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¨Éå 8.69% ®½É, * lÉÉäEò Bank's CRAR stood at 8.69% in FY18 as compared to 11.45% VɨÉÉ®ÉʶɪÉÉå ¨Éå Eò]ÉèiÉÒ Eäò EòÉ®hÉ, VɨÉÉ ±ÉÉMÉiÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 17 Eäò in FY17. Owing to reduction in bulk deposits, the cost of 5.94% ºÉä Eò¨É ½ÉäEò® Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¨Éå 5.33% ½Éä MÉ<Ç* deposits decreased to 5.33% during FY18 from 5.94% in FY17. <ºÉ {ÉÞ¹`ö¦ÉÚ欃 ¨Éå, +É{ÉEäò ÊxÉnä¶ÉEòÉå EòÉä 2017-18 ½äiÉÖ ±ÉäJÉÉ{É®ÒÊIÉiÉ Against this backdrop, your Directors take pleasure in placing ´ÉÉʹÉÇEò Ê´ÉkÉÒªÉ Ê´É´É®hÉÉå ºÉʽiÉ ¤ÉéEò EòÉ ´ÉÉʹÉÇEò |ÉÊiÉ´ÉänxÉ |ɺiÉÖiÉ Eò®iÉä ½ÖB the Bank's Annual Report for 2017-18 along with audited annual |ɺÉxxÉiÉÉ ½Éä ®½Ò ½è* financial statements. ½¨ÉÉ®É EòɪÉÇÊxɹ{ÉÉnxÉ OUR PERFORMANCE B. Ê´ÉkÉÒªÉ Ê´Éʶɹ]iÉÉBÆ A. FINANCIAL HIGHLIGHTS B.1. iÉÖ±ÉxÉ {ÉjÉ A.1. BALANCE SHEET

(®úÉ榃 ` Eò®úÉäc÷ ¨Éå)/( Amount ` in Crore)

¨ÉÉxÉnÆùb÷ / Parameter 31 ¨ÉÉSÉÇú ’17 31 ¨ÉÉSÉÇú ’18 ´É¹ÉÇ-nù®ú-´É¹ÉÇ ´ÉÞÊrù %

31ST MAR'17 31ST MAR'18 Y-O-Y GROWTH %

EÖò±É ´ªÉ´ÉºÉÉªÉ / Total Business 359974 380040 5.57 EÖò±É VɨÉÉ®úÉʶɪÉÉÆ / Total Deposits 201870 213604 5.81 ºÉEò±É +ÊOÉ¨É / Gross Advances 158103 166436 5.27 B.2. ±ÉÉ¦É A.2. PROFIT

(®úÉ榃 ` Eò®úÉäc÷ ¨Éå)/( Amount ` in Crore)

¨ÉÉxÉnÆùb÷ / Parameter 31 ¨ÉÉSÉÇú’ 17 31 ¨ÉÉSÉÇú’ 18 ´É¹ÉÇ-nù®ú-´É¹ÉÇ ´ÉÞÊrù %

31ST MAR' 17 31ST MAR' 18 Y-O-Y GROWTH % {ÉÊ®úSÉɱÉxÉMÉiÉ ±ÉÉ¦É / Operating Profit 3867 3438 -11.08 |ÉÉ´ÉvÉÉxÉ / Provision 4180 8113 94.07

ÊxÉ´É±É ±ÉɦÉ/(½þÉÊxÉ) / Net Profit/(Loss) (314) (4674)

5 B.3. |ɨÉÖJÉ +xÉÖ{ÉÉiÉ A.3. KEY RATIOS

¨ÉÉxÉnÆùb÷ / Parameter ¨ÉÉSÉÇú ’17/Mar'17 ¨ÉÉSÉÇú ’18/Mar'18

VɨÉÉ ±ÉÉMÉiÉ/Cost of Deposits 5.94 5.33 ÊxÉÊvÉ ±ÉÉMÉiÉ/Cost of Funds 5.74 5.23 ÊxÉÊvÉ {É® |ÉÊiÉ¡ò±É/Yield on Funds 8.41 7.61 =vÉÉ® ±ÉÉMÉiÉ/Cost of Borrowings 3.52 4.15 ÊxÉ´É±É ¤ªÉÉVÉ ¨ÉÉÊVÉÇxÉ/Net Interest Margin 2.54 2.20 +ÉʺiɪÉÉå {É® |ÉÊiÉ¡ò±É/Return on Assets -0.13 -1.96 +ÉªÉ Eäò ºÉÉ{ÉäIÉ ±ÉÉMÉiÉ +xÉÖ{ÉÉiÉ/Cost to Income Ratio 51.25 53.69

¤ÉÒ. +ÉʺiÉ MÉÖhÉ´ÉkÉÉ B. ASSET QUALITY Ê´ÉʦÉxxÉ ºÉ¨Éʹ] +ÉÊlÉÇEò +Éè® +xªÉ EòÉ®EòÉå Eäò EòÉ®hÉ +ÉʺiÉ MÉÖhÉ´ÉkÉÉ ¨Éå FY18 was a challenging year for the Indian Banking Industry ºÉiÉiÉ n¤ÉÉ´É EòÉ ºÉɨÉxÉÉ Eò®xÉä Eäò EòÉ®hÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¦ÉÉ®iÉÒªÉ ¤ÉéËEòMÉ due to continued stress faced in asset quality on account of =tÉäMÉ Eäò ʱÉB BEò SÉÖxÉÉèiÉÒ{ÉÚhÉÇ ´É¹ÉÇ lÉÉ* ªÉlÉÉʺlÉÊiÉ 31 ¨ÉÉSÉÇ, 2018 EòÉä various macroeconomic and other factors. As on 31st Mar'18, ¤ÉéEò EòÉ ºÉEò±É BxÉ{ÉÒB `26562.76 Eò®Éäc (Ê´É´É17: `20687.83Eò®Éäc) Gross NPA of the Bank stood at `26562.76 crore (FY17: +Éè® ÊxÉ´É±É BxÉ{ÉÒB `12229.13 Eò®Éäc (Ê´É´É17: `13433.51 Eò®Éäc) `20687.83 crore) and Net NPA remained at `12229.13 crore ®ú½þÉ* +xÉÖ{ÉÉiÉ Eäò °ü{É ¨Éå ºÉEò±É BxÉ{ÉÒB |ÉÊiɶÉiÉ +ÉèB ÊxÉ´É±É BxÉ{ÉÒB (FY17: `13433.51 crore). In terms of ratio, Gross NPA Percentage and Net NPA Percentage were 15.96% (FY17: |ÉÊiɶÉiÉ Gò¨É¶É: 15.96% (Ê´É´É17: 13.09%) +Éè® 8.04% (Ê´É´É 17: 13.09%) & 8.04% (FY17: 8.92%) respectively. 8.92%) lÉÉ* ¤ÉéEò xÉä xÉB ʺ±É{ÉäVÉ ®ÉäEòxÉä Eäò ʱÉB Ê´ÉʦÉxxÉ ={ÉÉªÉ ¶ÉÖ° ÊEòB +Éè® <ºÉä The Bank initiated various measures to arrest fresh slippage Ê´É´É17 Eäò `11417.00 Eò®Éäc EòÒ iÉÖ±ÉxÉÉ ¨Éå Ê´É´É ‘18 ¨Éå `12903.28 and restricted it to `12903.28 crore for the FY18 compared to Eò®Éäc iÉEò ºÉÒʨÉiÉ ®JÉÉ* |ÉÉ´ÉvÉÉxÉ Eò´É®äVÉ +xÉÖ{ÉÉiÉ ({ÉÒºÉÒ+É®) ¦ÉÒ Ê´É´É17 `11417.00 crore for the FY17. Provision Coverage Ratio (PCR) also improved to 62.91% in FY18 from 50.11% in FY17. ¨Éå 50.11% EòÒ iÉÖ±ÉxÉÉ ¨Éå Ê´É´É18 ¨Éå ¤ÉgEò® 62.91% ½Ö+É* +ÉʺiÉ MÉÖhÉ´ÉkÉÉ ºÉÖvÉÉ®xÉä ½äiÉÖ ¤ÉéEò xÉä ºÉiÉiÉ ´ÉºÉÚ±ÉÒ +ʦɪÉÉxÉ ¶ÉÖ¯ ÊEòB +Éè® To improve asset quality, the Bank initiated consistent recovery ` 28.58% EòÒ ´ÉÞÊr Eäò ºÉÉlÉ `3379.08 Eò®Éäc ´ÉºÉÚ±É EòÒ, <ºÉ¨Éå ºÉä, `öÉäºÉ drive and recovered 3379.08 crore, out of which Cash |ɪÉɺÉÉå, nèÊxÉEò ¨ÉÉìÊxÉ]Ë®MÉ +Éè® JÉÉiÉÉ Ê´ÉÊxÉÊnǹ] ®äVÉÉ䱪ÉÚ¶ÉxÉ ªÉÉäVÉxÉÉ Eäò Recovery was Rs. 2071.86 crore with a growth of 28.58 % EòÉ®hÉ `2071.86 Eò®Éäc EòÒ xÉEòn ´ÉºÉÚ±ÉÒ ½Öþ<Ç* ={ɪÉÖÇHò +´ÉÊvÉ Eäò nÉè®ÉxÉ due to concerted efforts, daily monitoring and account specific BxÉ{ÉÒB JÉÉiÉÉå ¨Éå EÖò±É Eò¨ÉÒ `7028.32 Eò®Éäc lÉÒ* resolution plan. During the aforesaid period, total Reduction in NPA accounts stood at `7028.32 crore. ¤ÉéEò xÉä EÞòÊ¹É IÉäjÉ Eäò ¨ÉÉèVÉÚnùÉ ¨ÉÉb÷¬Ú±É EòÒ iÉ®ú½þ +xÉÖ¦É´É {É®ú +ÉvÉÉÊ®úiÉ ÊxÉªÉ¨É The Bank also made suitable amendments in existing OTS Eäò °ü{É ¨Éå +xªÉ BxÉ{ÉÒB JÉÉiÉÉå ½äþiÉÖ +Éä]õÒBºÉ ¨ÉÉb÷¬Ú±É ¨Éå ÊxÉvÉÉÇÊ®úiÉ ºÉÒ¨ÉÉ schemes by increasing the cut off limit from `10.00 lacs to `10.00 ±ÉÉJÉ ºÉä ¤ÉføÃÉEò®ú `15.00 ±ÉÉJÉ Eò®úiÉä ½ÖþB ¨ÉÉèVÉÚnùÉ +Éä]õÒBºÉ `15.00 lacs in OTS module for other NPA a/cs in Thumb Rule ªÉÉäVÉxÉÉ+Éå ¨Éå ºÉ¨ÉÖÊSÉiÉ ºÉƶÉÉävÉxÉ ÊEòB ½éþ* <ºÉEäò ¡ò±Éº´É°ü{É +|ÉÊiɦÉÚiÉ UÉä]ä module as in existing module for Farm Sector. This resulted in =vÉÉ® JÉÉiÉÉå Eäò ÊxÉ{É]ÉxÉ ¨Éå iÉäVÉÒ +É<Ç ½è* <ºÉEäò +ÊiÉÊ®Hò ¨ÉÉʺÉEò +ÉvÉÉ®ú accelerated settlement of Unsecured small borrowal accounts. {É®ú ÊxÉnäù¶ÉEò ¨ÉÆb÷±É/B¨ÉºÉÒ¤ÉÒ+Éäb÷Ò EòÉä ºÉÚSÉxÉÉlÉÇ |ÉÊGòªÉÉ xÉÉä]õ |ɺiÉÖiÉ Eò®úxÉä Further, power to sanction OTS in fraud declared accounts Eäò +vªÉvÉÒxÉ vÉÉäJÉÉvÉc÷Ò ´ÉɱÉä PÉÉäʹÉiÉ JÉÉiÉÉå ¨Éå +Éä]õÒBºÉ EòÒ ºÉƺ´ÉÒEÞòÊiÉ Eäò was also delegated to various authorities but not below the +ÊvÉEòÉ®ú ¦ÉÒ Ê´ÉʦÉzÉ |ÉÉÊvÉEòÉÊ®úªÉÉå, ËEòiÉÖ B¡òVÉÒB¨ÉB±ÉºÉÒºÉÒú ºÉä Eò¨É xɽþÓ, level of FGMLCC, subject to placement of process notes to EòÉä |ÉiªÉɪÉÉäÊVÉiÉ ÊEòB MÉB ½éþ* Board of Directors/ MCBOD for information on monthly basis. <ºÉEäò +ÊiÉÊ®úHò @ñhÉ ¨ÉÖÊHò ʶÉÊ´É® Eäò ¨ÉÉvªÉ¨É ºÉä ºÉ¨ÉZÉÉèiÉÉ/ºÉ¨ÉÉvÉÉxÉ ´ÉÉiÉÉÇ Further, compromise/negotiated settlement through Rin Mukti iÉlÉÉ =vÉÉ®EòiÉÉÇ+Éå Eäò ºÉÉlÉ {É®º{É® ¤Éè`öEò Eäò °ü{É ¨Éå +xªÉ ¨É½i´É{ÉÚhÉÇ ºÉÉvÉxÉ Shivir and one-to-one meeting with borrowers was adopted +{ÉxÉÉB MÉB lÉä* as another vital tool to tackle NPAs. iÉlÉÉÊ{É, `1.00 Eò®Éäc ºÉä +ÊvÉEò Eäò ¤Écä =vÉÉ® JÉÉiÉÉå EòÒ ´ÉºÉÚ±ÉÒ º{ɹ] However, recovery in big borrowal accounts above `1.00 crore EòÉ®hÉÉå ºÉä ¤ÉéEò ½äiÉÖ ¤ÉÉÊvÉiÉ ¤ÉxÉÒ ®½Ò*

6 BxÉ{ÉÒB JÉÉiÉÉå EòÒ EòÉ®MÉ® +Éè® ºÉ¨ÉªÉ ºÉä ¨ÉÉÊxÉ]Ë®MÉ iÉlÉÉ `50.00 ±ÉÉJÉ For effective and timely monitoring of NPA accounts and follow +Éè® +ÊvÉEò Eäò ±ÉäVÉ® ¶Éä¹É ´ÉɱÉä BxÉ{ÉÒB JÉÉiÉÉå ¨Éå Ê´ÉÊvÉ´ÉiÉ |ÉÊGòªÉÉ Eäò up of due process in NPA accounts having Ledger balance of +xÉÖ´ÉiÉÇxÉ ½äiÉÖ |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ ºiÉ® {É® ºÉ¨ÉÊ{ÉÇiÉ EòɪÉÇ{ÉɱÉEòÉå Eäò ºÉÉlÉ ´ÉÉ® `50.00 Lacs and above, concept of "War Room" has been °ü¨É +´ÉvÉÉ®hÉÉ +É®Æ¦É EòÒ MÉ<Ç ½è* introduced at Head Office level with dedicated executives. ¤ÉéEò EòÒ 9 +ÉʺiÉ ´ÉºÉÚ±ÉÒ |ɤÉÆvÉxÉ ¶ÉÉJÉÉBÆ (B+É®B¨É¤ÉÒ) ¦ÉÒ ½è, VÉÉä +xÉxªÉ The Bank also has 9 Asset Recovery Management Branches °ü{É ºÉä BxÉ{ÉÒB ºÉ¨ÉÉvÉÉxÉ EòÉ EòɪÉÇ Eò®iÉÒ ½é* (ARMBs) which function exclusively for resolving NPAs. Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¨Éå EòÒ MÉ<Ç {ɽ±É Initiatives taken during FY18

 ¤ÉéEò xÉä `50.00 ±ÉÉJÉ ºÉä +ÊvÉEò ¤ÉEòɪÉÉ ´ÉɱÉä ¤Écä =vÉÉ®ú JÉÉiÉÉå EòÒ  The Bank introduced Online Module "PARTH" for effective |ɦÉÉ´ÉÒ ¨ÉÉìÊxÉ]Ë®MÉ ½äiÉÖ +ÉìxɱÉÉ

 +xªÉ BxÉ{ÉÒB JÉÉiÉÉå ¨Éå +xÉÖ¦É´É {É®ú +ÉvÉÉÊ®úiÉ ÊxÉªÉ¨É {ÉrùÊiÉ ½äþiÉÖ  Suitable amendments in OTS module by increasing the ÊxÉvÉÉÇÊ®úiÉ ºÉÒ¨ÉÉ `10.00 ±ÉÉJÉ ºÉä ¤ÉfÃøÉEò®ú `15.00 ±ÉÉJÉ Eò®úiÉä ½ÖþB Cut Off limit from `10.00 Lacs to `15 Lacs for Thumb +Éä]õÒBºÉ ¨ÉÉb÷¬Ú±É ¨Éå ºÉ¨ÉÖÊSÉiÉ ºÉƶÉÉävÉxÉ ÊEòB MÉB ½éþ* Rule method in other NPA accounts.  ¨ÉÉʺÉEò +ÉvÉÉ®ú {É®ú ÊxÉnäù¶ÉEò ¨ÉÆb÷±É/B¨ÉºÉÒ¤ÉÒ+Éäb÷Ò EòÉä ºÉÚSÉxÉÉlÉÇ |ÉÊGòªÉÉ  Power to sanction OTS in fraud declared accounts was xÉÉä]õ |ɺiÉÖiÉ Eò®úxÉä Eäò +vªÉvÉÒxÉ vÉÉäJÉÉvÉc÷Ò ´ÉɱÉä PÉÉäʹÉiÉ JÉÉiÉÉå ¨Éå also delegated to various authorities but not below the +Éä]õÒBºÉ EòÒ ºÉƺ´ÉÒEÞòÊiÉ Eäò +ÊvÉEòÉ®ú ¦ÉÒ Ê´ÉʦÉzÉ |ÉÉÊvÉEòÉÊ®úªÉÉå, ËEòiÉÖ level of FGMLCC, subject to placement of process notes B¡òVÉÒB¨ÉB±ÉºÉÒºÉÒú ºÉä Eò¨É xɽþÓ, EòÉä |ÉiªÉɪÉÉäÊVÉiÉ ÊEòB MÉB ½éþ * to Board of Directors/ MCBOD for information on monthly <ºÉEäò {ÉÊ®úhÉɨɺ´É°ü{É vÉÉäJÉÉvÉc÷Ò PÉÉäʹÉiÉ JÉÉiÉÉå ¨Éå `6.52 Eò®úÉäc÷ Eäò basis. This resulted in settlement of 71 OTS proposals ` ±ÉäVÉ®ú ¶Éä¹É +Éè®ú `4.02 Eò®úÉäc÷ EòÒ ºÉ¨ÉZÉÉèiÉÉ ®úÉ榃 ´ÉɱÉä 71 +Éä]õÒBºÉ with ledger balance of 6.52 Cr and Compromise sum of |ɺiÉÉ´ÉÉå EòÉ ºÉ¨ÉÉvÉÉxÉ ÊEòªÉÉ MɪÉÉ ½èþ* `4.02 Crore in Fraud declared accounts.   BxÉ{ÉÒB JÉÉiÉÉå ¨Éå {Éè`ö ¤ÉgÉxÉä ½äiÉÖ ¨ÉÆb±ÉÉå/B¡òVÉÒB¨É+Éä Eäò ºÉÉlÉ nèÊxÉEò Monitoring of daily recovery was introduced with Zones/ ´ÉºÉÚ±ÉÒ EòÒ ¨ÉÉìÊxÉ]Ë®MÉ ¶ÉÖ° EòÒ MÉ<Ç* FGMOs to improve penetration in NPA accounts.

 ¤ÉéEò xÉä Ê{ÉU±Éä ´É¹ÉÇ ºÉ¦ÉÒ ¶ÉÉJÉÉ+Éå EòÉä ºÉʨ¨ÉʱÉiÉ Eò® 12 ´ÉºÉÚ±ÉÒ  The Bank organized 12 Recovery Camps in the previous Eèò¨{ÉÉå (|ÉiªÉäEò ¨Éɽþ BEò Eèò¨{É) EòÉ +ɪÉÉäVÉxÉ ÊEòªÉÉ* <ºÉ¨Éäå `3564.55 year (one camp in each month) involving all the branches. Eò®Éäc EòÒ ´ÉºÉÚ±ÉÒ ½Ö<Ç, VÉÉä ´ÉºÉÚ±ÉÒ EòÒ oʹ] ºÉä ¤É½ÖiÉ ½Ò ºÉ¡ò±É ®½É* This step was very successful in terms of recovery that ´ÉxÉ ]É<¨É ºÉä]±É¨Éå] ºEòÒ¨É (+Éä]ÒBºÉ) Eäò Ê´É{ÉhÉxÉ ½äiÉÖ ´ÉºÉÚ±ÉÒ BVÉåʺɪÉÉå amounted to `3564.55 crore. Services of Recovery +Éè® ¤ÉéÊEòMÉ |ÉÊiÉÊxÉÊvɪÉÉå EòÒ ºÉä´ÉÉ+Éå EòÉ ºÉ¨ÉÖÊSÉiÉ |ɪÉÉäMÉ ÊEòªÉÉ MɪÉÉ* Agencies and Banking Correspondents were properly utilized for marketing of One Time Settlement Schemes (OTS).  Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä `1123.18 Eò®Éäc Eäò ±ÉäVÉ®ú ¶Éä¹É  During the FY18 Bank sanctioned 73198 Compromise ´ÉɱÉä +Éè®ú `700.32 Eò®úÉäc÷ EòÒ ºÉ¨ÉZÉÉèiÉÉ ®úÉ榃 Eäò 73198 ºÉ¨ÉZÉÉèiÉÉ cases with ledger balance of `1123.18 crore and |ɺiÉÉ´É ºÉƺ´ÉÒEÞòiÉ ÊEòB* compromise amount of `700.32 Crore.

 ¤ÉéEò xÉä ®É¹]ÅÒªÉ ±ÉÉäEò +nɱÉiÉ ¨Éå ºÉÊGòªÉ ºÉ½¦ÉÉÊMÉiÉÉ EòÒ +Éè® `314.56  The Bank participated in National Lok Adalat actively and Eò®Éäc Eäò ¤ÉÉEòɪÉÉ ´ÉɱÉä 26950 ¨ÉɨɱÉÉå EòÉ ÊxÉ{É]ÉxÉ ÊEòªÉÉ* settled 26950 cases having outstanding of `314.56 crore.  ´É¹ÉÇ ¦É® |ɦÉÉÊ®iÉ +SÉ±É +Éè® SÉ±É |ÉÊiɦÉÚÊiɪÉÉå EòÒ <Ç-xÉÒ±ÉɨÉÒ EòÒ MÉ<Ç*  E-auctions of charged immovable & movable securities ºÉƶÉÉäÊvÉiÉ ºÉ®¡äòºÉÒ +ÊvÉÊxÉªÉ¨É EòÉ ±ÉÉ¦É =`öÉiÉä ½ÖB ªÉÉ iÉÉä |É´ÉiÉÇxÉ were carried out through-out the year. Special thrust was BVÉåʺɪÉÉå EòÒ ¨Énn ºÉä ªÉÉ ºÉƤÉÆÊvÉiÉ bÒB¨É/ºÉÒB¨ÉB¨É Eäò ºÉ¨ÉIÉ +É´ÉänxÉ given in taking physical possession of immovable |ɺiÉÖiÉ Eò® +SÉ±É ºÉÆ{ÉÊkɪÉÉå Eäò ´ÉɺiÉÊ´ÉEò Eò¤VÉä {É® ¤É±É ÊnªÉÉ MɪÉÉ* properties either with the help of Enforcement Agencies <ºÉ EòɮǴÉÉ<Ç ºÉä ¤ÉéEò Eäò {ÉÉºÉ ´ÉɺiÉÊ´ÉEò Eò¤VÉä Eäò +ÆiÉMÉÇiÉ ºÉÆ{ÉÊkɪÉÉå or by moving application before the concerned DM/CMM EòÒ xÉÒ±ÉɨÉÒ ¨Éå ´ÉÞÊr ½Ö<Ç ½è* taking advantage of amended SARFAESI Act. This step resulted into increased auction of properties under physical possession of the Bank.  |ÉiªÉäEò bÒ+É®]Ò Eäòxp Eäò xÉÉäb±É +ÊvÉEòÉ®Ò EòÉä nèÊxÉEò +ÉvÉÉ® {É®  Nodal Officer at each DRT centre was assigned the role Ê´ÉÊvÉEò ¨ÉɨɱÉÉå {É® +xÉÖ´ÉiÉÔ EòɮǴÉÉ<Ç Eò®xÉä EòÉ EòɪÉÇ ºÉÉé{ÉÉ MɪÉÉ ½è of follow-up of legal cases on daily basis so as to minimize iÉÉÊEò ÊbGòÒ |ÉÉ{iÉ Eò®xÉä +Éè® Êxɹ{ÉÉnxÉ Eò®xÉä ¨Éå ʴɱɨ¤É EòÉä Eò¨É delay in obtaining decrees and execution. ÊEòªÉÉ VÉÉ ºÉEäò* 7  ¤ÉgiÉä BxÉ{ÉÒB ºÉä ÊxÉ{É]xÉä EòÉ BEò +xªÉ ={ɱɤvÉ Ê´ÉEò±{É lÉÉ B+É®ºÉÒ  Sale of chronic/difficult accounts to ARC was another EòÉä nÒPÉÇEòÉʱÉEò/VÉÊ]±É JÉÉiÉÉå EòÒ Ê¥ÉEòÒ* <ºÉEòÉ ={ɪÉÉäMÉ ÊEòªÉÉ MɪÉÉ option available to tackle rising NPA. This was utilized in +Éè® Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ Ê´ÉʦÉzÉ BVÉåʺɪÉÉå EòÉä 216 JÉÉiÉä +Éè®ú 216 accounts and assets worth `2539.21 Crore were `2539.21 Eò®Éäc ¨ÉÚ±ªÉ EòÒ ºÉÆ{ÉÊkÉ ¤ÉäSÉÒ MÉ<Ç lÉÒ* sold to various agencies during the FY18.  ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò Eäò Ên¶ÉÉÊxÉnæ¶ÉÉäÆ Eäò +xÉÖºÉÉ® <®ÉniÉxÉ SÉÚEòEòiÉÉÇ+Éå  Initiatives for identifying Wilful Defaulters were undertaken EòÒ {ɽSÉÉxÉ ½äiÉÖ {ɽ±É EòÒ MÉ<Ç* ºÉ¨ÉÖÊSÉiÉ ºÉÉ´ÉvÉÉxÉÒ |ÉÊGòªÉÉ {ÉÚ®Ò Eò®xÉä in terms of guidelines of Reserve Bank of India. On Eäò ¤ÉÉn, {ɽSÉÉxÉ ÊEòB MÉB =vÉÉ®EòiÉÉÇ+Éå EòÉä ¤ÉéEò uÉ®É <®ÉniÉxÉ completion of due diligence exercise, identified borrowers SÉÚEòEòiÉÉÇ Eäò °ü{É ¨Éå PÉÉäʹÉiÉ ÊEòªÉÉ MɪÉÉ +Éè® ªÉ½ ºÉÆJªÉÉ ¨ÉÉSÉÇ’17 Eäò were declared as Wilful Defaulter by the Bank and the 101 ºÉä føÉ<Ç MÉÖxÉÉ ¤Ég Eò® +¤É 257 ½Éä MÉ<Ç ½è* number now stands at 257, a two and half -fold jump from Mar'17 figure of only 101.

 |ɦÉÉ´ÉÒ +Éè® ¤Éä½iÉ® ¨ÉÉÊxÉ]Ë®MÉ ½äiÉÖ, ºÉ¦ÉÒ =vÉÉ®JÉÉiÉÉå EòÉä ¨ÉÖJªÉiÉ:  For effective and better monitoring, all NPA borrowal SÉÉ® ¶ÉÒ¹ÉÉäÈ ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ MɪÉÉ ½è* +lÉÉÇiÉ (i) `50,000 ºÉä Eò¨É accounts were categorized under four broad heads, viz. (ii) `50,000 ºÉä `15.00 ±ÉÉJÉ (iii) `15.00 ±ÉÉJÉ ºÉä `1.00 (i) Below `50,000 (ii) Rs.50,000 to `15,00 lakhs (iii) `15.00 ` Eò®Éäc +Éè® (iv) `1.00 Eò®Éäc ºÉä +ÊvÉEò* VɤÉÊEò |ÉlÉ¨É nÉä SÉ®hÉÉå lakhs to 1.00 crore and (iv) above 1.00 crore. While ¨Éå +Éä]ÒBºÉ {É® ¨ÉÖJªÉ °ü{É ºÉä vªÉÉxÉ EåòÊpiÉ ÊEòªÉÉ VÉÉiÉÉ ½è, +xªÉ OTS is the main focus in first two stages, other additional +ÊiÉÊ®CiÉ Ê´ÉEò±{É VÉèºÉä ºÉ®¡äòºÉÒ Eäò +ÆiÉMÉÇiÉ Ê¤ÉGòÒ, <®ÉniÉxÉ SÉÚEòEòiÉÉÇ options like sale under SARFAESI, declaration of willful EòÒ PÉÉä¹ÉhÉÉ, Ê®º]ÅCSÉË®MÉ, bÒ+É®]Ò ¨Éå ´ÉÉn nÉÊJÉ±É Eò®xÉÉ +MɱÉÒ nÉä Defaulter, restructuring, suit at DRT are followed very ¸ÉäÊhɪÉÉå ¨Éå +iªÉÆiÉ Ê´ÉÊvÉ´ÉiÉ °ü{É ºÉä +{ÉxÉɪÉÉ VÉÉiÉÉ ½è* =SSÉ ¨ÉÚ±ªÉ Eäò methodically for next two categories. Resolution through BxÉ{ÉÒB JÉÉiÉÉå ¨Éå ´ÉºÉÚ±ÉÒ ½äþiÉÖ ¨É½þi´É{ÉÚhÉÇ ºÉÉvÉxÉ Eäò °ü{É ¨Éå +É<ǤÉÒºÉÒ/ IBC/ NCLT are also used as important tools for recovery in high value NPA accounts. Further, for borrowal accounts BxɺÉÒB±É]õÒ Eäò ¨ÉÉvªÉ¨É ºÉä ºÉ¨ÉÉvÉÉxÉ EòÉ ¦ÉÒ |ɪÉÉäMÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* having outstanding above `1.00 crore, monthly VC <ºÉEäò +ÊiÉÊ®CiÉ, `1.00 Eò®Éäc ºÉä +ÊvÉEò Eäò ¤ÉEòɪÉÉ ´ÉɱÉä =vÉÉ® meetings are held with Zonal Heads and FGMs and JÉÉiÉÉå ¨Éå ¨ÉÆb±ÉÒªÉ |ɨÉÖJÉÉå +Éè® B¡òVÉÒB¨É Eäò ºÉÉlÉ ¨ÉÉʺÉEò ´ÉÒºÉÒ 'Doable' accounts are identified where turnaround/ ¤Éè`öEò EòÒ VÉÉiÉÒ ½è +Éè® “ºÉÉvªÉ JÉÉiÉÉå” EòÒ {ɽSÉÉxÉ EòÒ VÉÉiÉÒ ½è recovery is expected within the quarter. These accounts ÊVɺɨÉå ÊiɨÉÉ½Ò Eäò +Æn® ¤Én±ÉÉ´É/´ÉºÉÚ±ÉÒ EòÒ ºÉƦÉÉ´ÉxÉÉ ½Éä* ºÉ¨ÉÉvÉÉxÉ are then followed-up on daily basis to ensure resolutions. ºÉÖÊxÉÊSÉiÉ Eò®xÉä ½äiÉÖ

 ¤Éä½iÉ® ¤ÉÉäʱɪÉÉÆ |ÉÉ{iÉ Eò®xÉä ½äiÉÖ B+É®ºÉÒ ¨Éå +ºÉÉvªÉ BxÉ{ÉÒB JÉÉiÉÉå EòÉ  Marketing of chronic NPA accounts among ARCs will be Ê´É{ÉhÉxÉ ÊEòªÉÉ VÉÉBMÉÉ* done to get better bids. ºÉÒ. @ñhÉ ÊxÉMÉ®úÉxÉÒ C. CREDIT MONITORING Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 ¨Éå xɪÉÉ Îº±É{ÉäVÉ `12903 Eò®úÉäc÷ lÉÉ* ¨ÉÉSÉÇ 17 EòÉä Fresh Slippages to NPA in FY 18 were Rs 12903 Cr. The ªÉlÉÉκlÉÊiÉ BºÉb÷Ò+É®ú/BºÉ4B Eäò +ÆiÉMÉÇiÉ `3011 Eò®úÉäc÷ EòÉ ¤ÉEòɪÉÉ ¨ÉÉSÉÇ outstanding of `3011 Cr under SDR/S4A as on Mar 17 came 18 ¨Éå PÉ]õEò®ú `498 Eò®úÉäc÷ ®ú½þ MɪÉÉ* 5/25 ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ ¤ÉEòɪÉÉ down to `498 Cr in Mar 18. Under 5/25 scheme, outstanding `993 Eò®úÉäc÷ ®ú½þÉ* stood at `993 Cr. ¨ÉÉSÉÇ 17 ¨Éå `4656 Eò®úÉäc÷ Eäò EÖò±É ¨ÉÉxÉEò {ÉÖxÉ:ºÉÆ®úÊSÉiÉ +ÊOÉ¨É ¨ÉÉSÉÇ 18 Total standard restructured advances of `4656 Cr in Mar 17 ¨Éå PÉ]õEò®ú `945 Eò®úÉäc÷ ®ú½þ MÉB* `3711 EòÒ Eò¨ÉÒ ¨Éå BxÉ{ÉÒB κ±É{ÉäVÉ ¨Éå came down to `945 Cr in Mar 18. The reduction of `3711 Cr `2289 Eò®úÉäc÷, `929 Eò®úÉäc÷ EòÉ +{ÉOÉäbä÷¶ÉxÉ +Éè®ú ¤ÉEòɪÉÉ/JÉÉiÉä ¤ÉÆnù comprised `2289 Cr of slippages to NPA, `929 Cr up-gradation Eò®úxÉä ¨Éå `494 Eò®úÉäc÷ EòÒ ÊxÉ´É±É Eò¨ÉÒ ¶ÉÉÊ¨É±É ½èþ* and `494 Cr net reduction in outstanding / closure of accounts. ¨ÉÉSÉÇ, 17 EòÉä ªÉlÉÉʺlÉÊiÉ ºÉÒbÒ+É®, BºÉB¨É<Ç +Éè® +xªÉ =t¨ÉÉå Eäò +ÆiÉMÉÇiÉ Amount of standard restructuring under CDR, SME & other ¨ÉÉxÉEò {ÉÖxɺÉÈ®SÉxÉÉ EòÒ ®úÉ榃 Gò¨É¶É: `1567 Eò®Éäc, `383 Eò®Éäc +Éè® enterprises of `1567 Cr, `383 Cr and `2705 Cr respectively in `2705 Eò®Éäc lÉÒ VÉÉä ¨ÉÉSÉÇ 18 ¨Éå PÉ]õEò®ú ¶ÉÚxªÉ, `44 Eò®úÉäc÷ +Éè®ú `901 Mar 17 was reduced to NIL, `44 Cr and `901 Cr in Mar 18 Eò®úÉäc÷ ®ú½þ MÉ<Ç*

8 ¦ÉÉÊ®ú¤Éé xÉä ÊnùxÉÉÆEò 12 ¡ò®ú´É®úÒ, 2018 Eäò +{ÉxÉä {ÉÊ®ú{ÉjÉ ºÉÆ. ¦ÉÉÊ®ú¤Éé/2017- RBI vide its circular no. RBI/2017-18/131 DBR.No.BP.BC. 101/ 18/131 b÷Ò¤ÉÒ+É®ú ºÉÆ. 101/21.04.048/2017-18 Eäò iɽþiÉ nù¤ÉÉ´ÉOɺiÉ 21.04.048/ 2017-18 dated February 12, 2018 issued Revised +ÉκiɪÉÉå Eäò ºÉ¨ÉÉvÉÉxÉ ½äþiÉÖ ºÉƶÉÉäÊvÉiÉ ºÉÆ®úSÉxÉÉ VÉÉ®úÒ EòÒ ½èþ* =Hò {ÉÊ®ú{ÉjÉ Eäò Frame-work for Resolution of Stressed Assets. As an impact |ɦÉÉ´É Eäò °ü{É ¨Éå Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 EòÒ SÉÉèlÉÒ ÊiɨÉɽþÒ ¨Éå BxÉ{ÉÒB ¨Éå κ±É{ÉäVÉ of the said circular, slippage to NPA was `1565 Cr and a ` `1565 Eò®úÉäc÷ +Éè®ú |ÉÉ´ÉvÉÉxÉ `645 Eò®úÉäc÷ lÉÉ* ¤ÉéEò xÉä Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò provision of 645 Cr in Q4 of FY 18. The Bank has taken +xÉÖ{ÉɱÉxÉ ½äþiÉÖ {ɪÉÉÇ{iÉ Eònù¨É =`ööÉB ½éþ* adequate steps to comply with the guidelines.

¤ÉéEò ºÉƶÉÉäÊvÉiÉ ¦ÉÉÊ®ú¤Éé Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú JÉÉiÉÉå EòÉä BºÉB¨ÉB ¨Éå The Bank is classifying accounts into SMA as per the revised ´ÉMÉÔEÞòiÉ Eò®ú ®ú½þÉ ½èþ +Éè®ú iÉnùxÉÖºÉÉ®ú ºÉÒ+É®ú+É<ÇB±ÉºÉÒ EòÉä Ê®ú{ÉÉä]Çõ Eò®ú ®ú½þÉ RBI guidelines and reporting them on CRILC accordingly. ½èþ* BºÉB¨ÉB-0 ºiÉ® ºÉä ½þÒ JÉÉiÉÉå EòÒ ¨ÉÉÊxÉ]õË®úMÉ EòÒ VÉÉiÉÒ ½èþ* ¶ÉÉJÉÉBÆ/ Monitoring of accounts is done right from SMA-0 level. The EòɪÉÉÇ±ÉªÉ Ê´ÉʦÉzÉ @ñhÉ ¨ÉÉÊxÉ]õË®úMÉ ºÉÉvÉxÉÉå Eäò |ɪÉÉäMÉ Eäò ¨ÉÉvªÉ¨É ºÉä @ñhÉ Branches / offices are continuously followed up for stepping ¨ÉÉÊxÉ]õË®úMÉ ¨Éå MÉÊiÉ ±ÉÉxÉä ½äþiÉÖ ºÉiÉiÉ +xÉÖ´ÉiÉÔ EòÉ®Çú´ÉÉ<Ç Eò®ú ®ú½äþ ½éþ VÉèºÉä ªÉÚÊxÉ]õ up credit monitoring through use of various credit monitoring EòÉ nùÉè®úÉ, º]õÉìEò Ê´É´É®úhÉ b÷Ò{ÉÒ ÊxÉvÉÉÇ®úhÉ, º]õÉìEò ºÉiªÉÉ{ÉxÉ, +ÆÊiÉ¨É ={ɪÉÉäMÉ tools, such as Unit Visit, Stock statement & DP assessment, EòÉ ºÉiªÉÉ{ÉxÉ, |ÉÊiɦÉÚÊiÉ EòÉ nùÉè®úÉ +Éè®ú ¨ÉÚ±ªÉÉÆEòxÉ, CªÉÚ+É<ÇBºÉ ¨ÉÉÊxÉ]õË®úMÉ, Stock verification, End use verification, Security Visit & JÉÉiÉä EòÉ ´ªÉ´É½þÉ®ú, º]õÉìEò ±ÉäJÉÉ{É®úÒIÉÉ, @ñhÉ ºÉ¨ÉÒIÉÉ iÉÆjÉ, +É´ÉÊvÉEò Ê´ÉÊvÉEò Valuation, QIS monitoring, Conduct of account, Stock Audit, Loan review Mechanism, Periodic legal Audit, Inspection & ±ÉäJÉÉ{É®úÒIÉÉ, ÊxÉ®úÒIÉhÉ +Éè®ú ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉÉ, ºÉÒ+É®ú+É<ÇB±ÉºÉÒ, nèùÊxÉEò Concurrent Audit, CRILC, Daily SMA tracking, Early Warning BºÉB¨ÉB ]ÅäõËEòMÉ, {ÉÚ´ÉÇ SÉäiÉÉ´ÉxÉÒ ºÉÆEäòiÉ +ÉÊnù* Signals etc. |ɱÉäJÉÉå EòÒ VÉÉÆSÉ +Éè®ú ºÉiªÉÉ{ÉxÉ Eò®úxÉä iÉlÉÉ +ÊxɪÉʨÉiÉiÉÉ+Éå, ªÉÊnù EòÉä<Ç ½þÉä, Document Electronic Verification & Archival (DeVA) is used EòÉä nÚù®ú Eò®úxÉä ½äþiÉÖ {ÉÚ´ÉÇ-ºÉÆÊ´ÉiÉ®úhÉ ºÉÉvÉxÉ Eäò °ü{É ¨Éå |ɱÉäJÉ <±ÉäC]ÅõÉÊxÉEò as a pre -disbursement tool to check & verify documentation ºÉiªÉÉ{ÉxÉ +Éè®ú +ÉÌEò´É±É (näù´ÉÉ) EòÉ |ɪÉÉäMÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* B±ÉBB¨É{ÉÒ BEò & to weed out irregularities if any. LAMP is another online post- +xªÉ +ÉxɱÉÉ

9 ªÉÚÊxÉ¡òÉAadhaar Number °ü{Éä |ÉÒ{Éäb EòÉbÇ RuPay Prepaid Card: ¤ÉéEò xÉä °ü{Éä |ÉÒ{Éäb EòÉbÇ +É®Æ¦É ÊEòªÉÉ ½è* Ê´ÉÊxÉÊnǹ] ®É榃 Eäò ºÉÉlÉ EòÉbÇ The Bank has launched RuPay Prepaid card. After reloading EòÒ ®Ò±ÉÉäËbMÉ Eäò ¤ÉÉn ªÉÚVÉ® EòÉbÇ EòÉ |ɪÉÉäMÉ B]ÒB¨É, {ÉÒ+ÉäBºÉ ¨É¶ÉÒxÉ +Éè® the card with a specified amount, the user can use the card at +ÉxɱÉÉ

10 ºÉÚSÉxÉÉ ºÉÖ®IÉÉ Information Security

• ¤ÉéEò EòÒ ºÉÖ|ɱÉäÊJÉiÉ, ¤ÉÉäbÇ uÉ®É +xÉÖ¨ÉÉäÊniÉ +É<Ç]Ò ºÉÖ®IÉÉ xÉÒÊiÉ +Éè® ● The Bank has a well documented, Board approved IT +É<Ç]Ò ºÉÖ®IÉÉ |ÉÊGòªÉÉ ½è ÊVɺÉä xÉ´ÉÒxÉiÉ¨É °üZÉÉxÉÉå +Éè® ºÉ´ÉÉäÇiiÉ¨É security policy and an IT security procedure in place that {ÉÊ®{ÉÉÊ]ªÉÉå Eäò +xÉÖºÉÉ® +tiÉxÉ Eò®xÉä ½äiÉÖ ´ÉÉʹÉÇEò °ü{É ºÉä ºÉ¨ÉÒIÉÉ EòÒ is being reviewed annually to keep it updated as per latest VÉÉ ®½Ò ½è* trend and best practices.

• +É<Ç]Ò ºÉÖ®IÉÉ xÉÒÊiÉ +Éè® +É<Ç]Ò ºÉÖ®IÉÉ |ÉÊGòªÉÉ Eäò +±ÉÉ´ÉÉ ¤ÉÉäbÇ uÉ®É ● Board approved Cyber Security Policy and Cyber Crisis +xÉÖ¨ÉÉäÊniÉ ºÉÉ<¤É® ºÉÖ®IÉÉ xÉÒÊiÉ +Éè® ºÉÉ<¤É® ºÉÆEò] |ɤÉÆvÉxÉ ªÉÉäVÉxÉÉ Management Plan have also been introduced separately ¦ÉÒ +±ÉMÉ ºÉä ±ÉÉMÉÚ EòÒ MÉ<Ç ½è* apart from IT Security Policy and IT Security Procedure.

• ¤ÉéEò xÉä Ê´ÉʦÉxxÉ ºÉÖ®IÉÉ ºÉÆEò]Éå Eäò ={ɶɨÉxÉ ½äiÉÖ Ê´ÉʦÉxxÉ ºÉÖ®IÉÉ ºÉÉvÉxÉ ● The Bank has deployed various security tools such as +ʦÉÊxɪÉÉäÊVÉiÉ ÊEòB ½é VÉèºÉä ¡òɪɮ´ÉɱÉ, +ÊiÉGò¨ÉhÉ {ɽSÉÉxÉ |ÉhÉɱÉÒ firewall, Intrusion Detection System (IDS), Intrusion (+É<ÇbÒBºÉ), +ÊiÉGò¨ÉhÉ ÊxÉ´ÉÉ®hÉ |ÉhÉɱÉÒ (+É<Ç{ÉÒBºÉ), <Ç-¨Éä±É Prevention System (IPS), e-Mail Security Gateway, ʺÉCªÉÉäÊ®]Ò MÉä]´Éä, BÆ]Ò´ÉɪɮºÉ ºÉɱªÉÚ¶ÉxÉ +ÉÊn* Antivirus Solution etc. to mitigate various security threats. • ¤ÉéEò xÉä <Æ]®xÉä] ¤ÉéËEòMÉ ½äiÉÖ ½É<{É® ]äCºÉ] ]ÅÉƺɡò® |ÉÉä]ÉäEòÉä±É ʺÉCªÉÉä®, ● The Bank has implemented Hyper Text Transfer Protocol (BSÉ]Ò]Ò{ÉÒBºÉ), BCºÉ]åbäb ´ÉäʱÉbä¶ÉxÉ ÊºÉCªÉÉä® ºÉÉEäò]弃 ±ÉäªÉ® (<Ç´ÉÒ Secure (HTTPS), Extended Validation Secure Sockets BºÉBºÉB±É) EòÉä EòɪÉÉÇÊx´ÉiÉ ÊEòªÉÉ ½è* Layer (EV SSL) for internet banking. • ºÉäEÆòb ¡èòC]® +lÉåÊ]Eäò¶ÉxÉ (´ÉxÉ ]É<Ç¨É {ÉɺɴÉbÇ/ÊOÉb EòÉbÇ), ´ÉSÉÖÇ+±É ● Second Factor Authentication (One Time Password /Grid EòÒ ¤ÉÉäbÇ +Éè® Eäò{SÉÉ EòÉä <Æ]®xÉä] ¤ÉéËEòMÉ ¨Éå EòɪÉÉÇÊx´ÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½è* Card), Virtual Keyboard and CAPTCHA are implemented in Internet Banking.

• ÊiɨÉÉ½Ò ´ÉÒB{ÉÒ]Ò (´É±xÉ®äʤÉʱÉ]Ò BºÉäºÉ¨Éå] BÆb {ÉäxÉÒ]Åäõ¶ÉxÉ ]ä˺]MÉ) ● Quarterly VAPT (Vulnerability Assessment and +Éè® ´ÉÉʹÉÇEò ºÉÚSÉxÉÉ |ÉhÉɱÉÒ ±ÉäJÉÉ{É®ÒIÉÉ ¦ÉÒ ºÉÖ®IÉÉ ºÉä ºÉƤÉÆÊvÉiÉ +ÆiɮɱÉ, Penetration Testing) and yearly Information System Audit ªÉÊn EòÉä<Ç ½Éä, EòÉä ®ÉäEòxÉä ½äiÉÖ ºÉÒ¤ÉÒBºÉ +Éè® ºÉƤÉr +´ÉºÉÆ®SÉxÉÉ+Éå ½äiÉÖ are also conducted for CBS & allied infrastructures to plug ºÉÆSÉÉʱÉiÉ EòÒ VÉÉiÉÒ ½è* in gaps related to security, if any. ´ªÉ´ÉºÉÉªÉ ÊxÉ®ÆiÉ®iÉÉ ªÉÉäVÉxÉÉ +Éè® +É{ÉnÉ EòÒ ¦É®{ÉÉ<Ç Business Continuity Plan and Disaster Recovery

• ¤ÉéEò EòÉ 4 ]Ҫɮ bÉ]É ºÉå]® (bÒºÉÒ) ¨Éå bÉ]É ºÉå]® ½è +Éè® <ºÉEäò ● The Bank has its Data Centre in Tier 4 Data Centre (DC) EòÉä® ¤ÉéËEòMÉ ºÉɱªÉÚ¶ÉxÉ iÉlÉÉ +xªÉ ¨É½i´É{ÉÚhÉÇ B{±ÉÒEäò¶ÉxÉÉå ½äiÉÖ BEò and also has a Disaster Recovery Site (DRS) for its core ÊbVÉɺ]® Ê®Eò´É®Ò ºÉÉ<] (bÒ+É®BºÉ) ¦ÉÒ ½è* banking solution and other critical applications.

• ¤ÉéEò Eäò {ÉÉºÉ +{ÉxÉä bÒºÉÒ +Éè® bÒ+É® ºÉÉ<] ½äiÉÖ +É<ÇBºÉ+Éä ● The Bank has ISO 27001:2013 Certification for its DC 27001:2013 |ɨÉÉhÉxÉ ½è* and DR site.

• +ÉEòʺ¨ÉEòiÉÉ EòÒ ÊºlÉÊiÉ ¨Éå OÉɽEòÉå EòÉä ÊxɤÉÉÇvÉ ºÉä´ÉÉBÆ |ÉnÉxÉ Eò®xÉä ● The Bank has well documented, Board Approved ½äiÉÖ ¤ÉéEò EòÒ ºÉÖ|ɱÉäÊJÉiÉ, ¤ÉÉäbÇ uÉ®É +xÉÖ¨ÉÉäÊniÉ ´ªÉ´ÉºÉÉªÉ ÊxÉ®ÆiÉ®iÉÉ Business Continuity Plan to provide un-interrupted ªÉÉäVÉxÉÉ ½è* Customer Services in case of exigency. • ¤ÉéEò xÉä Êxɪɮ ºÉÉ<] bÒ+É® ={ɱɤvÉ Eò®ÉxÉä ½äiÉÖ ¨Éä BºÉ+É<ÇB¡ò´ÉÉ<Ç . ● Bank has selected M/s SIFY Solutions to provide near ºÉɱªÉÚ¶ÉÆºÉ EòÉ SɪÉxÉ ÊEòªÉÉ ½è* ˱ÉEò ºÉʽiÉ ={ÉEò®hÉÉå EòÉ ºÉƺlÉÉ{ÉxÉ site DR. The installation of equipments along with the links {ÉÚ®É Eò® ʱɪÉÉ MɪÉÉ ½è* <ºÉ ºÉä]-+{É EòÉä ´ÉɶÉÒ xÉ´ÉÒ ¨ÉÖ¨¤É<Ç ¨Éå has been completed. The setup is made operational at {ÉÊ®SÉÉʱÉiÉ ÊEòªÉÉ MɪÉÉ ½è* Vashi,Navi Mumbai.

• ÊEòºÉÒ +É{ÉiÉEòÉ±É Eäò ¨ÉɨɱÉä ¨Éå bÒ+É® ºÉÉ<] EòÒ EòɪÉÉÇi¨ÉEò iÉèªÉÉ®Ò ● DR Drill is conducted on a quarterly basis to keep testing EòÒ VÉÉÆSÉ ½äiÉÖ ÊiɨÉÉ½Ò +ÉvÉÉ® {É® bÒ+É® ÊbÅ±É ºÉÆSÉÉʱÉiÉ ÊEòªÉÉ VÉÉiÉÉ DR site's functional preparedness in case of any ½è* emergency. +xªÉ {ɽ±É Other Initiatives • ºÉÒ¤ÉÒBºÉ ¨Éå ºÉÒEäò´ÉÉ<ǺÉÒ+É®ú EòɪÉÉÇÎx´ÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ* ● CKYCR implemented in CBS.

• ªÉÚ+É<Çb÷ÒB+É<Ç Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¤ÉɪÉÉä¨ÉÒ]ÅõÒEò +ÊvÉ|ɨÉÉhÉxÉ ● Registered Device (RD) Services incorporated in CBS for ½äþiÉÖ ºÉÒ¤ÉÒBºÉ ¨Éå {ÉÆVÉÒEÞòiÉ Êb÷´ÉÉ<ÇºÉ (+É®úb÷Ò) ºÉä´ÉÉBÆ* biometric authentication as per UIDAI guidelines. • ®úÉVɺlÉÉxÉ +Éè®ú ¨ÉvªÉ |Énäù¶É ®úÉVªÉ ½äþiÉÖ {ÉÒB¡òB¨ÉBºÉ +ÉvÉÉÊ®úiÉ ● <Ç-¦ÉÖMÉiÉÉxÉ |ÉhÉɱÉÒ EòÉ BEòÒEò®úhÉ* Integration of PFMS based e-payment system for the state of Rajasthan and Madhya Pradesh. • OÉɽþEòÉå EòÉä {ɺÉÆnùÒnùÉ ¦ÉɹÉÉ ¨Éå BºÉB¨ÉBºÉ ¦ÉäVÉxÉä EòÒ ºÉÖÊ´ÉvÉÉ ±ÉÉMÉÚ EòÒ MÉ<Ç ½èþ* ● Facility of sending SMS in preferred language of the customer has been implemented.

• ºÉÒ¤ÉÒBºÉ ¨Éå ¡òɨÉÇ 60 ¦É®úxÉÉ* ● Filling form 60 in CBS.

11 • ºÉÒ¤ÉÒBºÉ ¨Éå

• VÉÒBºÉ]õÒ ºÉÉ}]õ´ÉäªÉ®ú ¨ÉÉb÷¬Ú±É EòÉ EòɪÉÉÇx´ÉªÉxÉ.: ¤ÉéEò xÉä VÉÒBºÉ]õÒ ● Implementation of GST Software Module: Bank has ºÉÉ}]õ´ÉäªÉ®ú “ºÉ®ú±ÉVÉÒBºÉ]õÒ” EòÉä EòɪÉÉÇÎx´ÉiÉ ÊEòªÉÉ ½èþ +Éè®ú ªÉ½þ ¨ÉÉb÷¬Ú±É implemented GST software "SaralGST" and the module 01.07.2017 ºÉä ±ÉÉ<´É ½èþ* went live on 01.07.2017 κ´É}]õ SWIFT ºÉÒ¤ÉÒBºÉ, BÎCVÉ¨É Ê¤É±É, ]ÅäõVÉ®úÒ +Éè®ú +xªÉ |ÉhÉÉʱɪÉÉå ºÉʽþiÉ Îº´É}]õ EòÉ Interface of SWIFT application with CBS, Exim Bills, treasury <Æ]õ®ú¡äòºÉ: ¦ÉÉÊ®ú¤Éé Eäò Ê´ÉÊxɪÉɨÉEò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ{ÉɱÉxÉ ¨Éå ¤ÉéEò xÉä and Other Systems: To comply with the RBI regulatory BÎCVÉ¨É Ê¤É±É +Éè®ú ºÉÒ¤ÉÒBºÉ EòÉä κ´É}]õ Eäò ºÉÉlÉ BEòÒEò®úhÉ EòÒ |ÉÊGòªÉÉ guidelines, Bank has completed the process of integrating 10.04.2018 ºÉä {ÉÚ®úÒ Eò®ú ±ÉÒ ½èþ* EximBills and CBS with SWIFT w.e.f 10.04.2018 ÊbÊVÉ]±ÉÉVÉä¶ÉxÉ- xɪÉÉ ´ªÉɴɺÉʪÉEò ¨ÉÚ±É ¨ÉÆjÉ Digitalisation- New Business Buzz Word ¤ÉéEò xÉä +{ÉxÉÒ ´ªÉɴɺÉÉʪÉEò |ÉÊGòªÉÉ Eäò ÊbÊVÉ]±ÉÉ

• +ÉvÉÉ® ºÉÒbä÷b÷ JÉÉiÉÉå ¨Éå B<Ç{ÉÒBºÉ +ÉìxÉ-+ºÉ +Éè®ú +Éì¡ò-+ºÉ ±ÉäxÉnäxÉ* ● AEPS On-Us & Off-Us transactions in Aadhaar seeded accounts. • ¯û{Éä EòÉbÇ÷ EòÉ |ɪÉÉäMÉ Eò®úiÉä ½ÖþB Ê{ÉxÉ +ÉvÉÉÊ®úiÉ +ÉìxÉ-+ºÉ +Éè®ú +Éì¡ò- ● PIN based On-Us & Off-Us transactions using RuPay +ºÉ ±ÉäxÉnäxÉ* cards • ¤ÉÒºÉÒ EäòxpùÉå ¨Éå iÉÞiÉÒªÉ {ÉIÉ VɨÉÉ EòÒ +xÉÖ¨ÉÊiÉ* ● Third party Deposits are allowed at BC locations. • ¤ÉÒºÉÒ EäòxpùÉå ¨Éå +ÉvÉÉ®ú ºÉÒËb÷MÉ ºÉÖÊ´ÉvÉÉ* ● Aadhaar seeding facility at BC Point. • <Ç-Eäò´ÉÉ<ǺÉÒ Eäò ¨ÉÉvªÉ¨É ºÉä JÉÉiÉÉ JÉÉä±ÉxÉÉ +Éè®ú +Éì]õÉä {ÉÉ{ÉÖ±Éä¶ÉxÉ EòÉä ● Account opening is enabled through e-KYC and auto ±ÉÉ<Ç´É Eò®úxÉÉ* population is live.

• ¤ÉÒºÉÒ EäòxpùÉå ¨Éå {ÉɺɤÉÖEò ¨ÉÖpùhÉ ºÉÖÊ´ÉvÉÉ ±ÉÉ<Ç´É ½èþ* ● Passbook Printing Facility is live at BC locations.

• ´ªÉÉ{ÉÉÊ®úEò EäòxpùÉå ¨Éå ¦ÉÖMÉiÉÉxÉ Eò®úxÉä ½äþiÉÖ, +ÉvÉÉ®ú +ÉvÉÉÊ®úiÉ ¦ÉÖMÉiÉÉxÉ ● Aadhaar based payment solution, Aadhaar Pay solution ºÉÉ챪ÉÚ¶ÉxÉ, +ÉvÉÉ®ú {Éä ºÉÉ챪ÉÚ¶ÉxÉ EòÉä ±ÉÉ<Ç´É ÊEòªÉÉ MɪÉÉ ½èþ* has been made live for making payment at Merchant Locations.

• ¤ÉÒºÉÒ EäòxpùÉå ¨Éå ±ÉPÉÖ ¨ÉÒªÉÉnùÒ VɨÉÉ JÉÉiÉä (+É®úb÷Ò/B¡òb÷Ò/b÷Òb÷Ò{ÉÒ/ ● Small Term Deposit (RD/FD/DDP/MIP) account opening B¨É+É<Ç{ÉÒ) JÉÉiÉä JÉÉä±ÉxÉä EòÒ ºÉÖÊ´ÉvÉÉ +É®Æú¦É EòÒ MÉ<Ç ½èþ* facility is enabled at BC locations.

• ¤ÉÒºÉÒ EäòxpùÉå ¨Éå Ê®úªÉ±É ]õÉ<ǨÉ/+ÉìxɱÉÉ

• <Ç-EòɨɺÉÇ ±ÉäxÉnäùxÉÉå ¨Éå ¤Éä½þiÉ®ú ºÉÖ®úIÉÉ ½äþiÉÖ +Éä]õÒ{ÉÒ +ÊvÉ|ɨÉÉhÉxÉ* ● OTP authentication for better security in e-commerce transaction

• <ÇB¡ò{ÉÒ+Éå EòÉä +ÉìxɱÉÉ

• =i{ÉÉnù ¶ÉÖ±Eò EòÉ +ÉìxɱÉÉ

• +ÉìxɱÉÉ

12 ´ÉSÉÖDZÉÉ

• ¤ÉéEò {ÉÚhÉÇiɪÉÉ +É=]õºÉÉäºbÇ÷ ¨ÉÉìb÷±É {É®ú EòÉ±É ºÉå]õ®ú ºÉÖÊ´ÉvÉÉ ºlÉÉÊ{ÉiÉ ● Bank is in the process of setting up Call Centre facility in Eò®úxÉä EòÒ |ÉÊGòªÉÉ ¨Éå ½èþ* EòÉ±É ºÉÆä]õ®ú ºÉä]õ+{É Ê´ÉʦÉzÉ ºÉä´ÉÉ+Éå/|ÉEòɪÉÉç Complete outsourced model. The call centre setup will ½äþiÉÖ ºÉÖÊ´ÉvÉÉVÉxÉEò ½þÉäMÉÉ VÉèºÉä

• Ê´ÉiiÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ {ÉÊ®ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ, ¤ÉéEò xÉä ¨ÉÉ

• ¯û{Éä EòÉbÇ {ÉÊ®SÉɱÉxÉ ºÉÖÊ´ÉvÉÉ (¨ÉÉ

13

14 =i{ÉÉnùÉå +Éè®ú ´ªÉ´ÉºÉÉªÉ ¨Éå ´ÉÉÆÊUôiÉ {ÉÊ®ú´ÉiÉÇxÉ ±ÉÉxÉä Eäò |ɪÉÉäVÉxÉ ºÉä EòɪÉÇ Eò®ú the bank on a continuous basis for maximizing performance, ®ú½þÉ ½èþ* mainly productivity and efficiency. ºÉƺÉÉvÉxÉÉå EòÉä +xÉÖEÚò±É ¤ÉxÉÉxÉä, {ÉÊ®úSÉɱÉxÉ ±ÉÉMÉiÉ EòÉä Eò¨É Eò®úxÉä ½äþiÉÖ ¤ÉéEò With a view to optimisation of resources, reducing operating ºlÉÉ{ÉxÉÉ+Éå EòÉ {ÉÖxÉMÉÇ`ööxÉ Eò®úxÉä þ +Éè®ú +xÉɴɶªÉEò ºlÉÉ{ÉxÉÉ+Éå EòÉä ½þ]õÉxÉä ½äþiÉÖ costs, the bank is taking steps for re-organisation of Eònù¨É =`ööÉ ®ú½þÉ ½èþ* BäºÉÉ ½þÒ BEò Eònù¨É lÉÉ ¤ÉéEò EòÒ 15 ºÉä´ÉÉ ¶ÉÉJÉÉ+Éå establishments, prune establishments which are not essential. EòÉä ¤ÉÆnù Eò®úxÉÉ +Éè®ú OÉɽþEò ºÉä´ÉÉ EòÉä |ɦÉÉÊ´ÉiÉ ÊEòB ¤ÉxÉÉ

15 ¤ÉéEò EòÉä 16 ÊnùºÉ¨¤É®ú, 2017 EòÉä EòÉä±ÉEòÉiÉÉ ¨Éå +ɪÉÉäÊVÉiÉ BxÉBºÉb÷ÒB±É Bank received award from NSDL for opening the maximum Eäò 32´Éå b÷Ò{ÉÒ ºÉ¨¨Éä±ÉxÉ ¨Éå {ÉÚ´ÉÔ IÉäjÉ ¨Éå {ÉÒBºÉªÉÚ ¤ÉéEò ¸ÉähÉÒ Eäò +ÆiÉMÉÇiÉ number of Demat Accounts under PSU Banks category in the +ÊvÉEòiÉ¨É ºÉÆJªÉÉ ¨Éå b÷Ò¨Éè]õ JÉÉiÉä JÉÉä±ÉxÉä ½äþiÉÖ BxÉBºÉb÷ÒB±É ºÉä {ÉÖ®úºEòÉ®ú Eastern region during the NSDL's 32nd DP Conference held |ÉÉ{iÉ ½Öþ+É at Kolkata on 16th December 2017. bÒ÷. +ÉxɱÉÉ

Eò. +ɱɤÉéEò ¶ÉÊHò: a. AllBank Shakti:

¨Éʽþ±ÉÉ ºÉ¶ÉÊHòEò®úhÉ EòÒ Ênù¶ÉÉ ¨Éå BEò Eònù¨É Eäò °ü{É ¨Éå ¤ÉéEò xÉä ®úɹ]Åõ EòÒ As a step towards women empowerment, the Bank has decided ¨Éʽþ±ÉÉ+Éå EòÉä BEò ¤ÉSÉiÉ ¤ÉéEò =i{ÉÉnù “+ɱɤÉéEò ¶ÉÊHò” näùxÉä EòÉ ÊxÉhÉÇªÉ to offer the women of the nation a savings bank product ʱɪÉÉ ½èþ VÉÉä ÊxÉ´Éä¶É Eäò +´ÉºÉ®ú iÉlÉÉ ¤É½ÖþiÉ EÖòUô ={ɱɤvÉ Eò®úÉiÉÉ ½èþ* ªÉ½þ "Allbank Shakti" that makes available investment opportunities =i{ÉÉnù =x½åþ ½èþ±lÉEäòªÉ®ú =i{ÉÉnù, ±ÉÉEò®ú ºÉÖÊ´ÉvÉÉ ¨Éå Êb÷ºEòÉ=Æ]õ, º´ÉªÉÆ/{ÉÖjÉÒ & much more. This product also provides benefits to them in EòÉä =xÉEäò +É´ÉÉºÉ @ñhÉ +Éè®ú ʶÉIÉÉ @ñhÉ {É®ú Ê®úªÉɪÉiÉÒ ¤ªÉÉVÉ nù®ú EòÉ ±ÉÉ¦É the form of discounts on healthcare product, locker facility, ¦ÉÒ |ÉnùÉxÉ Eò®úiÉÉ ½èþ* and concessional rate of interest on their housing loans & education loan for self / daughter. JÉ. +ɱɤÉéEò Eèò¶É +Éì{¶ÉxÉ b. AllBank Cash Option

ªÉ½þ =i{ÉÉnù 18 ´É¹ÉÇ ºÉä +ÊvÉEò =©É Eäò ºÉ¦ÉÒ ´ªÉÊHòMÉiÉ VɨÉÉEòiÉÉÇ+Éå EòÉä This product gives an instant Overdraft facility in online and +ÉìxɱÉÉ

ºÉÒ. B¨É{ÉÉ´É®ú c. emPower

Êb÷VÉÒ]õ±É ºÉÖ{ÉÖnÇùMÉÒ EòÉä EòÉ®MÉ®ú fÆøMÉ ºÉä ºÉÖoùgø Eò®úxÉä Eäò =qäù¶ªÉ ºÉä ¤ÉéEò xÉä In order to strengthen the digital delivery effectively, the Bank “B¨É{ÉÉ´É®ú” xÉÉ¨É BEò ¨ÉÉä¤ÉÉ<±É B{É ±ÉÉMÉÚ ÊEòªÉÉ ½èþ* ªÉ½þ B{É {±Éäº]õÉä®ú/ has introduced a mobile app named "emPower". This app is B{ɺ]õÉä®ú ¨Éå ={ɱɤvÉ ½èþ ÊVɺÉä 100000 ºÉä +ÊvÉEò OÉɽþEòÉå uùÉ®úÉ b÷É=xɱÉÉäb÷ available on Playstore / AppStore which has since been ÊEòªÉÉ MɪÉÉ ½èþ +Éè®ú <ºÉ B{É {É®ú ±ÉäxÉnäùxÉÉå EòÒ ºÉÆJªÉÉ nèùÊxÉEò +ÉvÉÉ®ú {É®ú ¤Égø downloaded by over 100000 customers and transactions on ®ú½þÒ ½èþ* <ºÉ B{É EòÉä SÉè]õ¤ÉÉä]õ +Éè®ú +ÉÌ]õÊ¡òÊ¶ÉªÉ±É <Æ]äõʱÉVÉåºÉ +ÉvÉÉÊ®úiÉ <Ç- this app are increasing on daily basis. The app is scheduled EòɨɺÉÇ ¦ÉÖMÉiÉÉxÉÉå ¨Éå ´ªÉÉ{ÉEò °ü{É ºÉä ʴɺiÉÉÊ®úiÉ ÊEòªÉÉ VÉÉxÉÉ ½èþ* to get major enhancements like Chatbot and Artificial Intelligence based e-Commerce payments. b÷Ò. +ɱɤÉéEò ºÉÒÊxɪɮú d. AllBank Senior näù¶É Eäò ´ÉÊ®ú¹`ö xÉÉMÉÊ®úEòÉå EòÉä ºÉ¨¨ÉÉxÉ näùxÉä Eäò +{ÉxÉä |ɪÉÉºÉ Eäò °ü{É ¨Éå ¤ÉéEò In a bid to pay its tribute to the senior citizens of the country, xÉä =xÉEäò ʱÉB ʴɶÉä¹É °ü{É ºÉä iÉèªÉÉ®ú ªÉÉäVÉxÉÉ “+ɱɤÉéEò ºÉÒÊxɪɮú” ±ÉÉMÉÚ Eò®úxÉä Bank has decided to offer a specially designed scheme" EòÉ ÊxÉhÉÇªÉ Ê±ÉªÉÉ ½èþ* ªÉ½þ ªÉÉäVÉxÉÉ ´ÉÊ®ú¹`öö xÉÉMÉÊ®úEòÉå Eäò ʱÉB ¤É½ÖþÊ´ÉvÉ ±ÉÉ¦É Allbank Senior" for them. The scheme comes with multiple

16 ±ÉäEò®ú +É<Ç ½èþ =nùɽþ®úhÉÉlÉÇ ¶ÉÉJÉÉ+Éå ¨Éå iÉ®úVÉÒ½þ ÊnùªÉÉ VÉÉxÉÉ, ±ÉÉEò®ú ÊEò®úÉB benefits for the senior citizens e.g. preferential treatment at ¨Éå Êb÷ºEòÉ=Æ]õ, º´ÉºlªÉ VÉÉÆSÉ ¨Éå Êb÷ºEòÉ=Æ]õ, EòÉ®ú @ñùhÉ ¨Éå ¤ªÉÉVÉ nù®ú ¨Éå branches, discount on locker rentals, discount in health Ê®úªÉɪÉiÉ iÉlÉÉ +Éè®ú ¤É½ÖþiÉ EÖòUô* checkups, concessional rate of interest in car loans and much more.

VÉäò. ºÉ®EòÉ®Ò ´ªÉ´ÉºÉÉªÉ J. GOVERNMENT BUSINESS {Éå¶ÉxÉÒEÞòiÉ ºÉ¨ÉÉVÉ Eäò ºÉÞVÉxÉ Eäò |ÉvÉÉxɨÉÆjÉÒ Eäò º´É{xÉ EòÉä EòɪÉÉÇÎx´ÉiÉ Eò®úxÉä For implementing the Prime Minister's dream for creating a ½äþiÉÖ ¤ÉéEò xÉä ´ÉÞrùɴɺlÉÉ +ÉªÉ ºÉÖ®úIÉÉ +ɴɶªÉEòiÉÉ+Éå EòÉä {ÉÚ®úÉ Eò®úxÉä ½äþiÉÖ pensioned society, the Bank extended the coverage for APY 2017-18 ¨Éå 164683 ´ªÉÊHòªÉÉå Eäò xÉɨÉÉÆEòxÉ uùÉ®úÉ B{ÉÒ´ÉÉ<Ç Eäò Eò´É®äúVÉ by enrolling 164683 individuals in 2017-18 to address the old |ÉnùÉxÉ ÊEòªÉÉ ½èþ age income security needs of the citizen. xÉä¶ÉxÉ±É {Éå¶ÉxÉ ªÉÉäVÉxÉÉ (BxÉ{ÉÒBºÉ) ½äþiÉÖ {´ÉÉ<Æ]õ +Éì¡ò |ÉäVÉåºÉ ({ÉÒ+Éä{ÉÒ) Eäò As a Point of Presence (POP) for National Pension System °ü{É ¨Éå ¤ÉéEò +{ÉxÉä nùÉä EòÉ®ú{ÉÉä®äú]õ C±ÉÉ<Æ]õÉä +lÉÉÇiÉ <±ÉɽþɤÉÉnù ¤ÉéEò +Éè®ú ¨Éè (NPS), the Bank is catering needs of two of its corporate clients ]äõxÉÖPÉÉ]õ Ê´ÉtÖiÉ ÊxÉMÉ¨É Ê±ÉʨÉ]äõb÷, ®úÉÆSÉÒ EòÒ +ɴɶªÉEòiÉÉ+Éå EòÉä {ÉÚ®úÉ Eò®ú ®ú½þÉ i.e. Allahabad Bank and M/S Tenughat Bidyut Nigam Limited, ½èþ* <ºÉEäò +ÊiÉÊ®úHò ¤ÉéEò +{ÉxÉÒ 286 ¶ÉÉJÉÉ+Éå Eäò ¨ÉÉvªÉ¨É ºÉä VÉxɺÉÉvÉÉ®úhÉ Ranchi. Apart from these, the Bank is acting as Point of EòÒ ´ÉÞrùɴɺlÉÉ {ÉäƶÉxÉ +ɴɶEòiÉÉ ½äþiÉÖ {´ÉÉ<Æ]õ +É¡ò |ÉäVÉåºÉ ºÉÌ´ÉºÉ |ÉÉä´ÉÉ

17 ®ºÉÒnå B´ÉÆ `1496.26 Eò®Éäc Eäò ¶ÉäªÉ® +Éè® `1525.02 Eò®Éäc Eäò ʴɶÉä¹É crores of Security Receipts and `1496.26 crores of shares BºÉbÒB±É ¤ÉÉÆbºÉ, `156.27 Eò®Éäc EòÒ +xÉÖ¹ÉÆMÉÒ +Éè®ú ºÉƪÉÖHò =t¨É iÉlÉÉ and `1525.02 crores of Special SDL Bonds, Subsidiary & JV +xªÉ ½äþiÉÖ `116.54 Eò®Éäc ºÉʨ¨ÉʱÉiÉ ½éþè* ¤ÉéEò EòÉ <ÊC´É]Ò {ÉÉä]Ç¡òÉäʱɪÉÉä of `156.27 crore and Others for `116.45 crore. The equity `1496.26 Eò®Éäc ½è ÊVɺɨÉå ºÉÒbÒ+É®/ BºÉbÒ+É®/ BºÉ4B ªÉÉäVÉxÉÉ+Éå portfolio of the Bank stood at `1496.26 crores, which included ` Eäò iɽiÉ @ñhÉ ° {ÉÉÆiÉ®hÉ Eäò ¨ÉÉvªÉ¨É ºÉä |ÉÉ{iÉ `940.89 Eò®Éäc Eäò ¶ÉäªÉ® 940.89 crores of shares received through conversion of Debt ºÉʨ¨ÉʱÉiÉ ½é* under CDR/SDR/S4A schemes. B±É. OÉɽEò ºÉä´ÉÉ L. CUSTOMER CARE ¤ÉéEò xÉä OÉɽEò EäòÊxpiÉ xÉÒÊiɪÉÉÆ VÉèºÉä OÉɽEò +ÊvÉEòÉ® xÉÒÊiÉ, VɨÉÉ xÉÒÊiÉ, The Bank has formulated customer centric policies, such as SÉäEò ºÉÆOɽhÉ xÉÒÊiÉ +Éè® IÉÊiÉ{ÉÚÊiÉÇ xÉÒÊiÉ ¤ÉxÉɪÉÒ ½è iÉlÉÉ

OÉɽEò ºÉä´ÉÉ ¨Éå ºÉÖvÉÉ® ½äiÉÖ Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ EòÒ MÉ<Ç {ɽ±É Initiatives taken during FY18 for improvement in customer service i´ÉÊ®iÉ ºÉä´ÉÉ |ÉnÉxÉ Eò®, Ê´ÉÊ´ÉvÉ =i{ÉÉn +Éè® ºÉä´ÉÉBÆ ±ÉÉEò®, OÉɽEòÉå EòÒ Several initiatives were also taken to remain customer focused ¶ÉÆEòÉ+Éå EòÉ ºÉ¨ÉªÉ {É® =iiÉ® näEò® +Éè® OÉɽEò ʶÉEòɪÉiÉÉå EòÉ ÊxÉ´ÉÉ®hÉ Eò® by providing fast service, bringing in diversified products/ OÉɽEò ºÉÆEåòÊpiÉ Ê´ÉʦÉxxÉ {ɽ±É ¦ÉÒ EòÒ MÉ<È* services, responding to customers' queries in time and redressal of customer complaints. OÉɽþEò ºÉä´ÉÉ ºÉƤÉÆvÉÒ ¤ÉÉäbÇ÷ EòÒ ºlÉɪÉÒ ºÉʨÉÊiÉ EòÒ ¤Éè`ööEò ÊiɨÉɽþÒ °ü{É ºÉä Standing Committee of the Board on customer service are +ɪÉÉäÊVÉiÉ EòÒ VÉÉiÉÒ ½éþ* ºÉÉlÉ ½þÒ ½® BEò ¶ÉÉJÉÉ +Éè® ¨ÉÆb±ÉÒªÉ EòɪÉÉDZɪÉÉå held quarterly. Also, Customer Service Committees have been ¨Éå OÉɽEò ºÉä´ÉÉ ºÉʨÉÊiɪÉÉÆ MÉÊ`öiÉ EòÒ MÉ<Ç ½é* OÉɽþEò ºÉʨÉÊiÉ EòÒ ¤Éè`öEò ¨Éɽþ formed at each and every branch and at Zonal Offices. The ¨Éå BEò ¤ÉÉ®ú +ɪÉÉäÊVÉiÉ EòÒ VÉÉiÉÒ ½èþ ÊVɺɨÉå OÉɽþEòÉå/ºÉʨÉÊiÉ Eäò ºÉnùºªÉÉå uùÉ®úÉ Customer Service Committee meets once a month to study Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç Ê¶ÉEòɪÉiÉÉå/ºÉÖZÉÉ´ÉÉå, ʴɱÉÆ¤É Eäò ¨ÉɨɱÉÉå, {Éä¶É +ÉxÉä ´ÉɱÉÒ complaints/ suggestions, cases of delay, difficulties faced/ EòÊ`ööxÉÉ<ǪÉÉå EòÉ +vªÉªÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ +Éè®ú OÉɽþEò ºÉä´ÉÉ ¨Éå ºÉÖvÉÉ®ú Eäò reported by customers/ members of the Committee and evolve ={ÉÉªÉ ¤ÉiÉÉB VÉÉiÉä ½éþ* ºÉnùºªÉÉå ¨Éå BEò ´ÉÊ®ú¹`öö xÉÉMÉÊ®úEò ¦ÉÒ ¶ÉÉÊ¨É±É ½þÉäiÉÉ ways and means of improving customer service. The members ½èþ* include a senior citizen too. B¨É. ®ÉVɦÉɹÉÉ xÉÒÊiÉ EòÉ EòɪÉÉÇx´ÉªÉxÉ M. IMPLEMENTATION OF OFFICIAL LANGUAGE POLICY ¤ÉéEò ®ÉVɦÉɹÉÉ Eäò EòɪÉÉÇx´ÉªÉxÉ Eäò IÉäjÉ ¨Éå +OÉhÉÒ ®½É ½è +Éè® <ºÉxÉä ®ÉVɦÉɹÉÉ The bank has been leading in the area of implementation of ʴɦÉÉMÉ, MÉÞ½ ¨ÉÆjÉɱɪÉ, ¦ÉÉ®iÉ ºÉ®EòÉ® uÉ®É Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò ʱÉB Official Language and achieved almost all targets in all

18 ÊxÉvÉÉÇÊ®iÉ ºÉ¦ÉÒ ¨ÉÉxÉnÆbÉå ¨Éå ±ÉMɦÉMÉ ºÉ¦ÉÒ ±ÉIªÉÉå EòÉä |ÉÉ{iÉ ÊEòªÉÉ ½è* ºÉ¦ÉÒ parameters prescribed by Government of India, Ministry of Êu¦ÉɹÉÒ ºÉÒ¤ÉÒBºÉ +Éè® BSÉ+É®B¨ÉBºÉ Eò¨{ªÉÚ]® ʽxnÒ <Æ]®¡äòºÉ Eäò iɽiÉ Home Affairs, Department of Official Language for FY18. All ½é* <ºÉ Êu¦ÉɹÉÒ |ÉhÉɱÉÒ EòÉä +{ÉxÉÉEò® ®ÉVɦÉɹÉÉ Eäò EòɪÉÉÇx´ÉªÉxÉ ¨Éå ´ÉÞÊr ½Éä the bilingual CBS and HRMS computers are under Hindi ®½Ò ½è* <ºÉEäò +ÊiÉÊ®Hò ¤ÉéEò ºÉ¦ÉÒ ºiÉ®Éå {É® ʽxnÒ {ÉjÉÉSÉÉ® +ÉÊn Eäò ʱÉB interface. By adopting this bilingual system, implementation ªÉÚÊxÉEòÉäb ¡òÉÆ]弃 EòÉ ={ɪÉÉäMÉ Eò® ®½É ½è* of Rajbhasha is increasing. In addition, the Bank is using Unicode Fonts for Hindi correspondence at all levels. Ê´ÉkÉÒªÉ ´É¹ÉÇ 2018 Eäò nÉè®ÉxÉ ¤ÉéEò EòÉä ʽxnÒ Eäò |ɪÉÉäMÉ ¨Éå =iEÞò¹] |Énù¶ÉÇxÉ During FY18, the Bank was awarded various awards for its Eäò ʱÉB +xÉäEò {ÉÖ®ºEòÉ®Éå ºÉä ºÉ¨¨ÉÉÊxÉiÉ ÊEòªÉÉ MɪÉÉ ½è* ºÉÉlÉ ½Ò nä¶É Eäò excellent performance in the use of Hindi. Further, Town Official Ê´ÉʦÉxxÉ ºlÉÉxÉÉå ¨Éå MÉÊ`iÉ xÉMÉ® ®ÉVɦÉɹÉÉ EòɪÉÉÇx´ÉªÉxÉ ºÉʨÉÊiɪÉÉå uÉ®É ¦ÉÒ Language Committees situated in different locations of the ¤ÉéEò EòɪÉÉDZɪÉÉå EòÉä {ÉÖ®ºEÞòiÉ ÊEòªÉÉ MɪÉÉ* <ºÉ¨Éå xÉMÉ® ®ÉVɦÉɹÉÉ EòɪÉÉÇx´ÉªÉxÉ country also awarded the Bank offices, which included awards ºÉʨÉÊiÉ, ½èn®É¤ÉÉn, ¨Éä®`, {ÉÖhÉä, ºÉÒiÉÉ{ÉÖ® +Éè® ´ÉÉ®ÉhɺÉÒ ºÉä |ÉÉ{iÉ {ÉÖ®ºEòÉ® from TOLIC Hyderabad, Meerut, Pune, Sitapur and Varanasi. ¶ÉÉÊ¨É±É ½é* ®ÉÆSÉÒ +Éè® MÉÉåbÉ ¨Éå ¦ÉÉ®iÉ ºÉ®EòÉ® uÉ®É MÉÊ`iÉ xÉMÉ® ®ÉVɦÉɹÉÉ The bank is successfully convening the Town Official Language EòɪÉÉÇx´ÉªÉxÉ ºÉʨÉÊiɪÉÉå EòÉ ¤ÉéEò ºÉ¡ò±ÉiÉÉ{ÉÚ´ÉÇEò ºÉÆSÉɱÉxÉ Eò® ®½É ½è* Implementation Committee constituted by the Government of India in Ranchi and Gonda. ºÉƺÉnÒªÉ ®ÉVɦÉɹÉÉ ºÉʨÉÊiÉ EòÒ iÉÒºÉ®Ò ={ɺÉʨÉÊiÉ uÉ®É ÊnxÉÉÆEò 14.06.2017 The third sub-committee of Committee of Parliament on Official {É`ÉxÉEòÉä] ¶ÉÉJÉÉ, ¨ÉÆb±ÉÒªÉ EòɪÉÉDZɪÉ, +¨ÉÞiɺɮ, ÊnxÉÉÆEò 10.02.2018 Language visited our Pathankot Branch under ZO Amritsar on EòÉä ¨ÉÆb±ÉÒªÉ EòɪÉÉDZɪÉ, xÉ<Ç Ên±±ÉÒ EòÉ ®ÉVɦÉɹÉÉ |ɪÉÉäMÉ ºÉƤÉÆvÉÒ ÊxÉ®ÒIÉhÉ 14.06.2017 and ZO New Delhi on 10.02.2018. The Committee ÊEòªÉÉ MɪÉÉ* ºÉʨÉÊiÉ uÉ®É xÉ Eäò´É±É ʽxnÒ Eäò |ÉMÉɨÉÒ |ɪÉÉäMÉ Eäò ʱÉB ¤ÉéEò Eäò not only expressed satisfaction but also appreciated the efforts |ɪÉɺÉÉå Eäò |ÉÊiÉ ºÉÆiÉÉä¹É ´ªÉCiÉ ÊEòªÉÉ MɪÉÉ +Ê{ÉiÉÖ ¨Éå +ɪÉÉäÊVÉiÉ +ÊJÉ±É ¦ÉÉ®iÉÒªÉ ®ÉVɦÉɹÉÉ ºÉ¨¨Éä±ÉxÉ ¨Éå organized by the Bank at Staff College Lucknow on 19-20 {ÉÖ®ºEÞòiÉ ÊEòªÉÉ MɪÉÉ* January, 2018.

BxÉ. +xÉÖ¹ÉÆMÉÒ ºÉƺlÉÉ B´ÉÆ ºÉƪÉÖHò =t¨É N. SUBSIDIARY & JOINT VENTURE

• +ɱɤÉéEò ¡òÉ

• ºÉÉvÉÉ®úhÉ ¤ÉÒ¨ÉÉ ½äþiÉÖ ¤ÉéEò EòÒ ºÉƪÉÖHò =t¨É Eò¨{ÉxÉÒ ‘ªÉÚÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä ● The Bank holds 28.52% equity stake in joint venture VÉxÉ®ú±É <ƶªÉÉä®åúºÉ EÆò{ÉxÉÒ Ê±ÉʨÉ]äõb÷’ ¨Éå <ÆÊb÷ªÉxÉ +Éä´É®úºÉÒVÉ ¤ÉéEò, EòxÉÉÇ]õEò company "Universal Sompo General Insurance Company ¤ÉéEò ʱÉ., b÷ɤɮú

19 +Éä. <±ÉɽɤÉÉn ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò(BªÉÚ{ÉÒVÉÒ¤ÉÒ) O. ALLAHABAD BANK UP GRAMIN BANK (AUPGB)

´ÉiÉǨÉÉxÉ ¨Éå ¤ÉéEò uÉ®É |ÉɪÉÉäÊVÉiÉ BEò IÉäjÉÒªÉ OÉɨÉÒhÉ ¤ÉéEò +lÉÉÇiÉ <±ÉɽɤÉÉn At present, one RRB i e Allahabad UP Gramin Bank (AUPGB) ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò (BªÉÚ{ÉÒVÉÒ¤ÉÒ) ½è ÊVɺÉEòÉ |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ ¤ÉÉÆnÉ (=|É) ¨Éå with Head Office at Banda (UP) is sponsored by our Bank. ½é* ªÉ½ =iiÉ® |Énä¶É Eäò 11 ÊVɱÉÉå ¨Éå 650 ¶ÉÉJÉÉ+Éå +Éè® 10 IÉäjÉÉå Eäò This is operating in 11 districts of UP with 650 branches under ºÉÉlÉ {ÉÊ®SÉɱÉxÉ Eò® ®½É ½è* BªÉÚ{ÉÒVÉÒ¤ÉÒ EòÉ MÉ`öxÉ 2010 ¨Éå ½¨ÉÉ®ä ¤ÉéEò 10 Regions. AUPGB was formed in 2010 by amalgamating six uÉ®É |ÉɪÉÉäÊVÉiÉ U½ +É®+É®¤ÉÒ EòÉ Ê´É±ÉªÉ Eò®Eäò ÊEòªÉÉ MɪÉÉ lÉÉ* RRBs sponsored by our Bank.

½¨ÉÉ®ä |ÉɪÉÉäÊVÉiÉ +É®+É®¤ÉÒ EòÒ |ÉnkÉ {ÉÚÆVÉÒ `61.93 Eò®Éäc ½è* BªÉÚ{ÉÒVÉÒ¤ÉÒ The paid up capital of our sponsored RRB is `61.93 crore. EòÒ |ÉniiÉ {ÉÚÆVÉÒ ¨Éå Eäòxp ºÉ®EòÉ®, ®ÉVªÉ ºÉ®EòÉ® +Éè® <±ÉɽɤÉÉn ¤ÉéEò EòÉ Central Government, State Government and Allahabad Bank +ƶÉnÉxÉ Gò¨É¶É: 50:15:35 +xÉÖ{ÉÉiÉ ¨Éå ½è* <ºÉ +É®+É®¤ÉÒ EòÒ {ÉÚÆVÉÒ ¨Éå contributed in paid up capital of AUPGB in the ratio of 50:15:35, ¤ÉéEò EòÉ +ƶÉnÉxÉ `21.67 Eò®Éäc ½è* 31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ respectively. The bank's contribution towards capital of this ` |ÉɪÉÉäÊVÉiÉ +É®+É®¤ÉÒ EòÒ ÊxÉ´É±É ºÉÆ{ÉÊkÉ `824.69 Eò®Éäc lÉÒ* RRB was 21.67 crore. The Net worth of sponsored RRB as on 31st March'18 was `824.69 crore.

´É¹ÉÇ Eäò nÉè®ÉxÉ BªÉÚ{ÉÒVÉÒ¤ÉÒ EòÉ EÖò±É ´ªÉ´ÉºÉÉªÉ 31.03.2017 EòÉä ªÉlÉÉκlÉÊiÉ During the year, total business of AUPGB increased from `16182 Eò®Éäc ºÉä ¤ÉgEò® 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ `16541 `16182 crore as on 31.03. 2017 to `16541 crore as on Eò®Éäc ½Éä MɪÉÉ VÉÉä `359 Eò®Éäc EòÒ ´ÉÞÊr n¶ÉÉÇiÉÉ ½è(´É¹ÉÇ-n®-´É¹ÉÇ ´ÉÞÊr 31.03.2018 showing an increase of `359 crore ( YoY growth : 2.22%)* 31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ BªÉÚ{ÉÒVÉÒ¤ÉÒ EòÒ VɨÉɮʶɪÉÉÆ 2.22 %). The deposit of AUPGB as on 31.03.2018 stood at Rs `10231 Eò®Éäc ®½Ò (´É¹ÉÇ-n®-´É¹ÉÇ ´ÉÞÊr: 6.42%)* 10231 crore (YoY growth: 6.42%).

31.03.2018 EòÉä ªÉlÉÉʺlÉÊiÉ ½¨ÉÉ®ä |ÉɪÉÉäÊVÉiÉ +É®+É®¤ÉÒ EòÉ ÊxÉ´É±É ±ÉÉ¦É The Net Profit of our sponsored RRB as on 31.03.2018 stood 31.03.2017 EòÉä ªÉlÉÉʺlÉÊiÉ `31.37 Eò®Éäc Eäò ºÉÉ{ÉäIÉ 31.03.2018 at `35.33 crore as against `31.37 crore as on 31.03.2017, EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉgEò® `35.33 Eò®Éäc ½Éä MɪÉÉ, VÉÉä ´É¹ÉÇ-n®-´É¹ÉÇ 12.62% showing a YoY growth of 12.62 %. AUPGB is in profit since EòÒ ´ÉÞÊr n¶ÉÉÇiÉÉ ½è* BªÉÚ{ÉÒVÉÒ¤ÉÒ +{ÉxÉÒ ºlÉÉ{ÉxÉÉ ºÉä ½Ò ±ÉÉ¦É ¨Éå ½è* Ê´ÉiiÉÒªÉ inception. The Gross NPAs of AUPGB decreased from Rs 607 ` ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ BªÉÚ{ÉÒVÉÒ¤ÉÒ EòÉ ºÉEò±É BxÉ{ÉÒB `607 Eò®Éäc ºÉä PÉ]õEò® crore to 605 crore (9.59% of total advances) during FY 18. All the 650 branches, 04 Extension Counters and 13 `605 Eò®Éäc (EÖò±É +ÊOɨÉÉå EòÉ 9.59%) ®ú½þ MɪÉÉ* ºÉ¦ÉÒ 650 ¶ÉÉJÉÉBÆ, 04 ʴɺiÉÉ® {É]±É, +Éè® 13 |ɶÉɺÉÊxÉEò Eäòxpù ºÉÒ¤ÉÒBºÉ {É® ½é* BªÉÚ{ÉÒVÉÒ¤ÉÒ Administrative locations are functioning under CBS platform. ¦ÉÉ®iÉ EòÉ BEò¨ÉÉjÉ +É®+É®¤ÉÒ ½è VÉÉä +{ÉxÉä JÉÖn Eäò bÉ]É ºÉå]® EòÉ |ɤÉÆvÉxÉ AUPGB is the only RRB in India, which is managing its own Eò® ®½É ½è* 31.03.2018 EòÉä ªÉlÉÉʺlÉÊiÉ Eò¨ÉÇSÉÉÊ®ªÉÉå EòÒ EÖò±É ºÉÆJªÉÉ Data Center. Total number of employees were 2589 as on 31.03.2018. 2589 lÉÒ* 31.03.2018 EòÉä ªÉlÉÉʺlÉÊiÉ {ÉÒB¨ÉVÉäbÒ´ÉÉ<Ç Eäò +ÆiÉMÉÇiÉ JÉÉiÉÉ JÉÉä±ÉxÉä EòÒ Progress in opening of accounts under PMJDY as on |ÉMÉÊiÉ 10,95,392 JÉÉiÉä ®½Ò, ÊVɺɨÉå ºÉä 7,81,002 JÉÉiÉÉå ¨Éå °ü{Éä bäʤÉ] 31.03.2017 stood at 10,95,392 accounts, out of which Rupay EòÉbÇ VÉÉ®Ò ÊEòB MÉB lÉä*

¤ÉéEò uÉ®É |ÉɪÉÉäÊVÉiÉ +É®+É®¤ÉÒ +{ÉxÉÒ ={ÉʺlÉÊiÉ ´ÉɱÉä IÉäjÉÉå ¨Éå +ÉÊlÉÇEò The RRB sponsored by the Bank is actively participating in Ê´ÉEòÉºÉ ¨Éå ºÉÊGòªÉ ºÉ½¦ÉÉÊMÉiÉÉ Eò® ®½É ½è* EòÉä® ¤ÉéËEòMÉ ºÉɱªÉÚ¶ÉxÉ (ºÉÒ¤ÉÒBºÉ) economic development of the areas of their presence. With Eäò EòɪÉÉÇx´ÉªÉxÉ ºÉä OÉɨÉÒhÉ OÉɽEò ¦ÉÒ xÉ´ÉÒxÉiÉ¨É |ÉÉètÉäÊMÉEòÒ ºÉä ±ÉɦÉÉÊx´ÉiÉ ½Éä the implementation of Core Banking Solution (CBS), rural ®½ä ½é,<ºÉºÉä Ê´ÉiiÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ OÉɨÉÒhÉ ÊxÉvÉÇxÉÉå EòÉä customers are also getting benefit of latest technology, thus =xÉEäò PÉ® Eäò {ÉÉºÉ ½Ò ¤ÉéËEòMÉ ºÉä´ÉÉ ={ɱɤvÉ ½Éä ®½Ò ½è* ºÉÒ¤ÉÒBºÉ Eò½þÓ ¦ÉÒ providing services to the rural poor under Financial Inclusion ¤ÉéËEòMÉ +Éè®ú BºÉB¨ÉBºÉ B±É]Çõ Eäò ºÉÉlÉ EòɪÉÇ Eò®ú ®ú½þÉ ½èþ* Plan at their doorsteps. CBS is running with anywhere banking and SMS alert.

½þ¨ÉÉ®äú |ÉɪÉÉäÊVÉiÉ +É®+É®¤ÉÒ ¨Éå Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ ¨ÉÉ

20 {ÉÒ. {ÉÖ®ºEòÉ® B´ÉÆ |ÉÉʺiɪÉÉÆ P. AWARDS AND ACCOLADES • ¤ÉéEò EòÒ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ EòÉä “¤ÉÒB¨ÉB ● The Bank's MD & CEO was conferred the "BMA ¨ÉèxÉäVɨÉå]õ ´ÉÚ¨ÉxÉ BSÉÒ´É®ú +Éì¡ò Ênù <ªÉ®ú +´ÉÉbÇ÷ 2017” |ÉnùÉxÉ ÊEòªÉÉ Management Women Achiever of the Year Award 2016- MɪÉÉ* 17" • ¤ÉéEò EòÉä ¦ÉÉ®úiÉÒªÉ ¤ÉéEò ºÉÆPÉ uùÉ®úÉ “¨ÉvªÉ¨É ¤ÉéEòÉå ¨Éå ºÉ´ÉÉækÉ¨É ¦ÉÖMÉiÉÉxÉ ● The Bank was adjudged the winner in category of "Best {ɽþ±É” EòÒ ¸ÉähÉÒ ¨Éå Ê´ÉVÉäiÉÉ Eò®úÉ®ú ÊnùªÉÉ MɪÉÉ* Payment Initiative amongst Medium Bank" by the IBA. • ¤ÉéåEò EòÉä +ÉvÉÉ®ú ºÉ¨ÉÌlÉiÉ ¦ÉÖMÉiÉÉxÉ |ÉhÉɱÉÒ Eäò ºÉƤÉÆvÉ ¨Éå BxÉ{ÉÒºÉÒ+É<Ç ● The Bank also bagged the "National Payment Excellence (¦ÉÉÊ®ú¤Éé uùÉ®úÉ |ÉɪÉÉäÊVÉiÉ) ºÉä “®úɹ]ÅõÒªÉ ¦ÉÖMÉiÉÉxÉ =iEÞò¹]õiÉÉ {ÉÖ®úºEòÉ®ú Award 2016" on Aadhaar enabled Payment System from 2016” ¦ÉÒ |ÉÉ{iÉ ½Öþ+É* National Payments Corporation of India (Sponsored by RBI). • ¤ÉéEò EòÉä OÉÖ{É-+n® º]ä]弃 ¸ÉähÉÒ ¨Éå {ÉÒB¨ÉVÉäbÒ´ÉÉ<Ç EòɪÉÉÇx´ÉªÉxÉ ¨Éå ● The Bank was adjudged as the Best Bank in PMJDY ºÉ´ÉÉäÇiiÉ¨É ¤ÉéEò PÉÉäʹÉiÉ ÊEòªÉÉ MɪÉÉ +Éè® =iiÉ® 24 {É®MÉxÉÉ ({ÉÊSÉ¨É implementation in the category of Group-Other states and ¤ÉÆMÉɱÉ) ½äiÉÖ ±ÉÉäEò |ɶÉɺÉxÉ ¨Éå =iEÞò¹]iÉÉ Eäò ʱÉB |ÉÊiÉʹ`öiÉ |ÉvÉÉxÉ bagged prestigious Prime Minister’s Award for excellence ¨ÉÆjÉÒ {ÉÖ®ºEòÉ® |ÉÉ{iÉ ½Ö+É* in Public Administration for North 24 Parganas (West Bengal). • ¤ÉéEò uÉ®É |ÉÉ{iÉ Ê´ÉiiÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ {ÉÊ®o¶ªÉ EòÒ +ʦɺ´ÉÒEÞòÊiÉ º´É°ü{É ● Acknowledging the Financial Inclusion Landscape <ºÉä ºÉ´ÉÉækÉ¨É Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ {ɽþ±É EòÒ ¸ÉähÉÒ ¨Éå ¨ÉvªÉ¨É ¤ÉéEòÉå ¨Éå achieved by the Bank, it was adjudged as Runner Up in ¦ÉÉ®iÉÒªÉ ¤ÉéEò ºÉÆPÉ uÉ®É “¤ÉéËEòMÉ ]äCxÉÉä±ÉÉäVÉÒ +´ÉÉbÇ 2017” |ÉnÉxÉ the category of Best Financial Inclusion Initiatives amongst ÊEòªÉÉ MɪÉÉ* Medium Banks -"Banking Technology Award 2017" by Indian Banks Association. • ¤ÉéEò EòÉä ºEòÉìSÉ ºÉ¨ÉÚ½þ EòÒ º´ÉiÉÆjÉ ËlÉEò BÆb÷ {ÉÉʱɺÉÒ Bb÷´ÉÉAtal Pension Yojana from PFRDA. CªÉÚ. Eò¨ÉÇSÉÉ®úÒ ¶ÉäªÉ®ú GòªÉ ªÉÉäVÉxÉÉ Q. EMPLOYEE SHARE PURCHASE SCHEME ¤ÉéEò Eäò ºÉ¦ÉÒ {ÉÉjÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä <ÇBºÉ{ÉÒBºÉ ºÉƤÉÆvÉÒ ÊxÉnäù¶ÉEòÉå EòÒ ºÉʨÉÊiÉ "Allahabad Bank Employee Share Purchase Scheme" uùÉ®úÉ ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ `43.94 |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ®ú Eäò |ÉÒÊ¨ÉªÉ¨É ºÉʽþiÉ `53.94 (AllBankESPS) was launched, offering upto 5,00,00,000 (Five Eäò ÊxÉMÉÇ¨É ¨ÉÚ±ªÉ {É®ú ¤ÉéEò Eäò `10 |ÉiªÉäEò Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò 50000000({ÉÉÆSÉ crore) new equity shares of face value `10/- each of the Bank, ` Eò®úÉäc÷) Eäò xÉB <ÎC´É]õÒ ¶ÉäªÉ®ú xÉEònù °ü{É ¨Éå |ɺiÉÉÊ´ÉiÉ Eò®úiÉä ½ÖþB “<±ÉɽþɤÉÉnù for cash at an Issue Price of 53.94 per equity share including a premium of `43.94 per equity share as determined by the ¤ÉéEò Eò¨ÉÇSÉÉ®úÒ ¶ÉäªÉ®ú GòªÉ ªÉÉäVÉxÉÉ” (+ɱɤÉéEò <ÇBºÉ{ÉÒBºÉ) +É®Æú¦É EòÒ MÉ<Ç Committee of Directors on ESPS to all the Eligible Employees lÉÒ* ¤ÉéEò <ÇBºÉ{ÉÒBºÉ Eäò +ÆiÉMÉÇiÉ <ÎC´É]õÒ ¶ÉäªÉ®ú Eäò °ü{É 87.66% EòÉ EÖò±É +ƶÉnùÉxÉ |ÉÉ{iÉ Eò®ú {ÉɪÉÉ +Éè® <ºÉ ÊxÉMÉÇ¨É ¨Éå 21,742 º]õÉ¡ò ºÉnùºªÉÉå xÉä of the Bank. The Bank was able to achieve 87.66% of total +ʦÉnùÉxÉ ÊnùªÉÉ* subscription offered as equity shares under ESPS and as many as 21,742 staff subscribed to the issue. +É®ú. xÉB Ê´ÉÊxɪÉɨÉEò ÊxÉvÉÉÇ®úhÉ R. NEW REGULATORY PRESCRIPTIONS ±ÉMÉÉiÉÉ®ú nùÉä ´É¹ÉÉÈ ºÉä =SSÉ MÉè®ú-Êxɹ{ÉÉnùEò +ÉκiɪÉÉå(BxÉ{ÉÒB) +Éè®ú +ÉκiɪÉÉå Owing to high non-performing assets (NPA) and negative {É®ú xÉEòÉ®úÉi¨ÉEò |ÉÊiÉ¡ò±É(+É®ú+ÉäB) Eäò EòÉ®úhÉ ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ¤ÉéEò EòÉä i´ÉÊ®úiÉ Return on Assets (RoA) for two consecutive years, Bank was ºÉÖvÉÉ®úÉi¨ÉEò EòÉ®Çú´ÉÉ<Ç({ÉÒºÉÒB) ºÉÆ®úSÉxÉÉ Eäò +ÆiÉMÉÇiÉ ®úJÉÉ MɪÉÉ ½èþ* ¦ÉÉÊ®ú¤Éé brought under Prompt Corrective Action (PCA) framework by uùÉ®úÉ <ºÉ¨Éå ºÉÖZÉÉB MÉB Ê´ÉÊxɪÉɨÉEò ÊxÉvÉÉÇ®úhÉÉå EòÉ ¤ÉéEò uùÉ®úÉ ºÉÉ´ÉvÉÉxÉÒ{ÉÚ´ÉÇEò RBI on 2nd January 2018. The regulatory prescriptions +xÉÖ{ÉɱÉxÉ ÊEòªÉÉ VÉÉ ®ú½þÉ ½èþ ÊVɺɨÉå VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉκiɪÉÉå (+É®úb÷¤±ªÉÚB) suggested there in by the RBI are being meticulously followed Eäò ʴɺiÉÉ®ú, +xÉ-®äú]äõb÷ +Éè®ú =SSÉ VÉÉäÊJÉ¨É +ÊOɨÉÉå ¨Éå BCºÉ{ÉÉäVÉ®ú, MÉè®ú by the Bank, which include restriction on expansion of Risk ¤ÉéËEòMÉ +ÉκiɪÉÉå Eäò ºÉÞVÉxÉ +Éè®ú lÉÉäEò/¨ÉƽþMÉÒ VɨÉÉ®úÉʶɪÉÉå/ VɨÉÉ |ɨÉÉhÉ {ÉjÉ Weighted Asset (RWA), exposure to un-rated and high-risk Eäò ÊxÉvÉÉÇ®hÉú/xÉ´ÉÒEò®úhÉ {É®ú |ÉÊiɤÉÆvÉ ¶ÉÉÊ¨É±É ½èþ* ¤ÉéEò ±ÉɦÉÉÆ¶É Eäò Ê´ÉiÉ®úhÉ advances, creation of non- Banking assets and accessing / +Éè®ú ±ÉɦÉÉå Eäò Ê´É|Éä¹ÉhÉ iÉlÉÉ ¶ÉÉJÉÉ xÉä]õ´ÉEÇò Eäò ʴɺiÉÉ®ú Eäò ºÉƤÉÆvÉ ¨Éå ¦ÉÒ renewing wholesale/costly deposits/certificate of deposits. The Bank also faces restrictions on distributing dividends & |ÉÊiɤÉÆvÉ EòÉ ºÉɨÉxÉÉ Eò®ú ®ú½þÉ ½èþ* remitting profits and expanding branch network. <ºÉÒ |ÉEòÉ®, ¤ÉéEò Eäò ]xÉÇ-+®É=Æb ½äiÉÖ ¤ÉéEò Ê´ÉiiÉ ¨ÉÆjÉɱɪÉ, ¦ÉÉ®iÉ ºÉ®EòÉ® Similarly, the Bank is also pursuing the reforms agenda ºÉ®EòÉ® uÉ®É ÊxÉvÉÉÇÊ®iÉ ºÉÖvÉÉ® EòɪÉǺÉÚSÉÒ EòÉ +xÉֺɮhÉ Eò® ®½É ½è* prescribed by the MOF, GOI for turnaround of the Bank.

21 BºÉ. ¤ÉéEò EòÒ ¦ÉÉ´ÉÒ ´ªÉ´ÉºÉÉªÉ ªÉÉäVÉxÉÉ S. FUTURE BUSINESS PLAN OF THE BANK

+lÉÇ´ªÉ´ÉºlÉÉ +Éè® <ºÉEäò Ê´ÉʦÉxxÉ IÉäjÉÉå EòÒ +ɶÉÉ´ÉÉnÒ ºÉƦÉÉ´ÉxÉÉ+Éå Eäò EòÉ®hÉ, Taking into account the optimistic outlook of the economy and +É{ÉEòÉ ¤ÉéEò +{ÉxÉä ´ªÉɴɺÉÉʪÉEò ±ÉIªÉÉå Eäò ºÉÉlÉ iÉɱɨÉä±É ¤Éè`öÉEò® <ºÉEòÉ its different sectors, the Bank will align its business objective +ÊvÉEòiÉ¨É ±ÉÉ¦É =`öÉBMÉÉ* ¤ÉéEò ¨ÉÖJªÉ °ü{É ºÉä +ÉGòɨÉEò ´ÉºÉÚ±ÉÒ +ʦɪÉÉxÉ, to maximize its gains. The Bank shall primarily focus on EòɺÉÉ ¨Éå +Éè® ´ÉÞÊr, º¨ÉÉ]Ç @ hÉÉå (BºÉ: º¨ÉɱÉ, B¨É: ¨ÉÉ

]õÒ. ÊxÉnä¶ÉEò ¨ÉÆb±É T. BOARD OF DIRECTORS

31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò Eäò ¤ÉÉäbÇ÷ ¨Éå 3 {ÉÚhÉÇEòÉʱÉEò ÊxÉnäù¶ÉEòÉå As on 31.03.2018, there were 10 Directors on the Board of +lÉÉÇiÉ BEò |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒò +Éè®ú nùÉä the Bank including 3 whole time Directors, i.e., one Managing EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEòÉÆä ºÉʽþiÉ 10 ÊxÉnäù¶ÉEò lÉä* Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò Director & Chief Executive Officer (MD & CEO) and two nùÉè®úÉxÉ ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Eäò MÉ`ööxÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ {ÉÊ®ú´ÉiÉÇxÉ ½ÖþB* Executive Directors. During FY 2017-18, following changes took place in the composition of Board of Directors.

• ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ xÉää 6 ¨É<Ç 2017 ºÉä ¤ÉéEò Eäò |ɤÉÆvÉ ● Smt. Usha Ananthasubramanian took over as the MD & ÊxÉnäù¶ÉEò +Éè®ú ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Eäò EòɪÉǦÉÉ®ú OɽþhÉ ÊEòªÉÉ* CEO of the Bank w.e.f. 6th May, 2017.

• ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ EòÉä ¸ÉÒ +ƶÉÖ¨ÉÉxÉ ¶É¨ÉÉÇ Eäò ºlÉÉxÉ {É®ú 17.08.2017 ● Shri Rajeev Ranjan was appointed as Government ºÉä iÉÒxÉ ´É¹ÉÉç EòÒ +´ÉÊvÉ ½äþiÉÖ ¤ÉéEò Eäò ¤ÉÉäbÇ÷ ¨Éå ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ Nominee Director on the Board of the Bank w.e.f. ÊxÉnäù¶ÉEò Eäò °ü{É ÊxɪÉÖHò ÊEòªÉÉ MɪÉÉ* ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ, ´ªÉªÉ ʴɦÉÉMÉ, 17.08.2017 vice Shri Anshuman Sharma. Shri Rajeev ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú ¨Éå ºÉƪÉÖHò ºÉÊSÉ´É Eäò °ü{É ¨Éå {ÉnùºlÉ ½éþ* Ranjan is posted as Joint Secretary in the Department of Expenditure, Govt. of India.

• b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ, ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ +Éè®ú b÷É. {ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É 3 ● Dr. Bijaya Kumar Sahoo, Shri Sarath Sura and ºÉä´ÉÉÊxÉ´ÉÞkÉ ¶ÉäªÉ®úvÉÉ®ú ÊxÉnäù¶ÉEòÉå Eäò ºlÉÉxÉ {É®ú 22 ¨ÉÉSÉÇ, 2018 ºÉä ¤ÉéEò Dr. Parthapratim Pal have been elected as new Eäò ¤ÉÉäbÇ÷ ¨Éå xÉB ¶ÉäªÉ®úvÉÉ®úEò Eäò °ü{É ¨Éå ÊxÉ´ÉÉÇÊSÉiÉ ÊEòB MÉB* Shareholder Directors w.e.f. 22nd March 2018 on the Board of the Bank in place of the 3 retired Shareholder Directors.

• ¤ÉÉäbÇ÷ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ºÉä´ÉÉÊxÉ´ÉÞkÉ ÊxÉnäù¶ÉEò +Éè®ú iÉÒxÉ ºÉä´ÉÉÊxÉ´ÉÞkÉ ● The Board wishes to place on record its appreciation for ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEòÉå uùÉ®úÉ ÊEòB MÉB ¤É½Öþ¨ÉÚ±ªÉ ªÉÉäMÉnùÉxÉ Eäò ʱÉB the valuable contributions made by the retired ºÉ®úɽþxÉÉ Eò®úiÉÉ ½èþ* Government Nominee Director and three retired Shareholder Directors.

ªÉÚ. ÊxÉnäù¶ÉEòÉå EòÉ =kÉ®únùÉʪÉi´É Ê´É´É®úhÉ U. DIRECTORS' RESPONSIBILITY STATEMENT

ÊxÉnäù¶ÉEò {ÉÖι]õ Eò®úiÉä ½éþ ÊEò 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ´ÉÉ̹ÉEò The Directors confirm that in the preparation of the annual ±ÉäJÉÉ+Éå EòÒ iÉèªÉÉ®úÒ ¨Éå: accounts for the year ended March 31, 2018: • ¨É½þi´É{ÉÚhÉÇ +{ÉGò¨É, ªÉÊnù EòÉä<Ç ½þÉä, ºÉä ºÉƤÉÆÊvÉiÉ ºÉ¨ÉÖÊSÉiÉ º{ɹ]õÒEò®úhÉ ● The applicable Accounting Standards were followed along Eäò ºÉÉlÉ |ɪÉÉäVªÉ ±ÉäJÉÉ ¨ÉÉxÉEòÉå EòÉ +xÉÖ{ÉɱÉxÉ ÊEòªÉÉ MɪÉÉ ½èþ* with proper explanation relating to material departures, if any;

• ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú iÉèªÉÉ®ú EòÒ MÉ<Ç ±ÉäJÉÉ ● The accounting policies, framed in accordance with the xÉÒÊiɪÉÉå EòÉä ºÉÆMÉiÉ °ü{É ºÉä ±ÉÉMÉÚ ÊEòªÉÉ MɪÉÉ ½èþ* guidelines of the Reserve Bank of India, were consistently applied;

• =ÊSÉiÉ +Éè®ú Ê´É´ÉäEò{ÉÚhÉÇ ÊxÉhÉÇªÉ +Éè®ú {ÉÚ´ÉÉÇxÉÖ¨ÉÉxÉ ±ÉMÉÉB MÉB ½éþ ÊVɺɺÉä ● Reasonable and prudent judgment and estimates were Ê´ÉkÉÒªÉ ´É¹ÉÇ Eäò +ÆiÉ ¨Éå ¤ÉéEò Eäò EòɪÉÇEò±ÉÉ{ÉÉå +Éè®ú 31 ¨ÉÉSÉÇ, 2018 EòÉä made so as to give a true and fair view of the state of ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ¤ÉéEò Eäò ±ÉɦÉ/½ÉÊxÉ EòÉ ºÉ½þÒ +Éè®ú =ÊSÉiÉ +´É±ÉÉäEòxÉ affairs of the Bank at the end of the financial year and of ½þÉä ºÉEäò* the profit of the Bank for the year ended March 31, 2018;

22 • ¦ÉÉ®úiÉ ¨Éå ¤ÉéEòÉå EòÉä +ÊvɶÉÉʺÉiÉ Eò®úxÉä ´ÉɱÉÒ |ɪÉÉäVªÉ Ê´ÉÊvɪÉÉå Eäò ● Proper and sufficient care was taken for the maintenance ={ɤÉÆvÉÉå Eäò +xÉÖºÉÉ®ú {ɪÉÉÇ{iÉ ±ÉäJÉÉ +ʦɱÉäJÉ Eäò ®úJÉ®úJÉÉ´É ½äþiÉÖ ºÉ¨ÉÖÊSÉiÉ of adequate accounting records in accordance with the +Éè®ú {ɪÉÉÇ{iÉ vªÉÉxÉ ®úJÉÉ MɪÉÉ ½èþ* provisions of applicable laws governing banks in India, and

• ±ÉäJÉÉ ‘MÉÉä<ÆMÉ EòxɺÉxÉÇ’ +ÉvÉÉ®ú {É®ú iÉèªÉÉ®ú ÊEòB MÉB ½éþ* ● The accounts have been prepared on the principle of "going concern" basis. ´ÉÒ. +ɦÉÉ®ú V. ACKNOWLEDGEMENT ÊxÉnäù¶ÉEò ¨ÉÆb÷±É ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò, ¦ÉÉ®úiÉÒªÉ |ÉÊiɦÉÚÊiÉ B´ÉÆ Ê´ÉÊxÉ¨ÉªÉ ¤ÉÉäbÇ÷ The Board of Directors places on record its gratitude to the +Éè®ú ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú iÉlÉÉ +xªÉ Ê´ÉÊxɪÉɨÉEò |ÉÉÊvÉEò®úhÉÉå EòÉä =xÉEäò Ênù¶ÉÉÊxÉnæ¶ÉÉå Reserve Bank of India, Securities Exchange Board of India, iÉlÉÉ Ê´ÉkÉÒªÉ ºÉƺlÉÉ+Éå EòÉä =xÉEäò ºÉ½þªÉÉäMÉ, |É¤É±É ºÉ¨ÉlÉÇxÉ +Éè®ú ¨ÉÉMÉÇnù¶ÉÇxÉ and Government of India and other regulatory authorities and financial institutions for their co-operation, strong support and ½äþiÉÖ +ɦÉÉ®ú |ÉEò]õ Eò®úiÉÉ ½èþ* ¤ÉÉäbÇ÷ +{ÉxÉä ¶ÉäªÉ®úvÉÉ®úEòÉå EòÉä =xÉEäò ºÉ¨ÉlÉÇxÉ Eäò guidance. The Board acknowledges the support of ʱÉB +Éè®ú +{ÉxÉä ºÉ¨¨ÉÉÊxÉiÉ C±ÉÉ<Æ]õÉå +Éè®ú OÉɽþEòÉå EòÉä =xÉEäò uùÉ®úÉ ÊnùB MÉB shareholders and also places on record its sincere thanks to ºÉiÉiÉ ºÉÆ®úIÉhÉ ½äþiÉÖ =xÉEäò |ÉÊiÉ ¦ÉÒ vÉxªÉ´ÉÉnù YÉÉÊ{ÉiÉ Eò®úiÉÉ ½èþ* ¤ÉÉäbÇ÷ ºÉ¦ÉÒ its valued clients and customers for their continued patronage. IÉäjÉÉå ¨Éå ¤ÉéEò Eäò EòɪÉÇÊxɹ{ÉÉnùxÉ ¨Éå ºÉ¨ÉlÉÇxÉ ½äþiÉÖ <ºÉEäò Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ The Board also expresses its deep sense of appreciation for |ÉÊiɤÉrùiÉÉ Eäò ʱÉB =xÉEòÒ ¦ÉÒ ½þÉÌnùEò |ɶÉƺÉÉ Eò®úiÉÉ ½èþ* the commitment shown by the employees in supporting the Bank in its performance on all fronts.

ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Eäò ʱÉB +Éè®ú =xÉEòÒ +Éä®ú ºÉä, For and on behalf of the Board of Directors,

=¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ Usha Ananthasubramanian |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Managing Director & CEO

23 |ɤÉÆvÉxÉ SÉSÉÉÇ +Éè® Ê´É¶±Éä¹ÉhÉ MANAGEMENT DISCUSSION AND ANALYSIS Eò. =tÉäMÉ ºÉÆ®SÉxÉÉ +Éè® Ê´ÉEòÉºÉ A. Industry Structure and Development ¦ÉÉ®úiÉ ¨Éå ¤ÉéËEòMÉ =tÉäMÉ BEò ʴɺiÉÞiÉ <ÊiɽþÉºÉ EòÉä ºÉ¨Éä]äõ ½ÖþB ½èþ* ¦ÉÉ®úiÉ ¨Éå The banking industry in India has a huge canvas of history. ¤ÉéËEòMÉ xÉä BEò ±É¨¤ÉÉ ºÉ¡ò® iÉªÉ ÊEòªÉÉ ½èþ +Éè®ú ¤Énù±ÉiÉä ºÉ¨ÉªÉ Eäò ºÉÉlÉ xÉ<Ç Banking in India has been through a long journey and has =ÆSÉÉ<ªÉÉå EòÉä UÚô+É ½èþ* |ÉÉètÉäÊMÉEòÒ Eäò |ɪÉÉäMÉ xÉä ¤ÉèEòÉå Eäò {ÉÊ®úSÉɱÉxÉ ¨Éå GòÉÆÊiÉ achieved new heights with the changing times. The use of ±ÉÉ nùÒ ½èþ +Éè®ú <ºÉ PÉ]õxÉÉGò¨É Eäò EòÉ®úhÉ ¤ÉéËEòMÉ =tÉäMÉ +Éè®ú +ÊvÉEò iÉäVÉÒ technology has brought a revolution in the operations of the ºÉä +Éè®ú +ÊvÉEò nùIÉiÉÉ Eäò ºÉÉlÉ ºÉä´ÉÉ |ÉnùÉxÉ Eò®ú {ÉÉxÉä ¨Éå ºÉ¨ÉlÉÇ ½ÖþB ½éþ* banks and because of this development, banking industry has ¤ÉéËEòMÉ |ÉÉètÉäÊMÉEòÒ Eäò ºÉÆ´ÉvÉÇxÉ iÉlÉÉ ¤ÉéEò ®úʽþiÉ B´ÉÆ MÉè®ú-¨É½þÉxÉMÉ®úÒªÉ IÉäjÉÉå ¨Éå been able to deliver much faster and in a more efficient manner. Access to banking services has also improved over the years ʴɺiÉÉ®ú EòÉ ºÉÆ´ÉvÉÇxÉ Eò®úxÉä Eäò ºÉ®úEòÉ®ú Eäò ºÉiÉiÉ |ɪÉɺÉÉå Eäò EòÉ®úhÉ Ê{ÉUô±Éä due to persistent government efforts to promote banking EÖòUôù ´É¹ÉÉç ¨Éå ¤ÉéËEòMÉ ºÉä´ÉÉ+Éå iÉEò {ɽÖÆþSÉ ¨Éå ¦ÉÒ ºÉÖvÉÉ®ú ½Öþ+É ½èþ*

25 ii. @ñhÉ +ʦɪÉÉäVÉxÉ B´ÉÆ ºÉÖ{ÉÖnÇMÉÒ ii. Credit Deployment and Delivery 31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ ¤ÉéEò EòÉ EÖò±É +ÊOÉ¨É 5.27% ¤ÉgEò® Total advances of the Bank went up by 5.27% to `1,66,436 `166436 Eò®Éäc ½Éä MɪÉÉ* @ñhÉ VɨÉÉ +xÉÖ{ÉÉiÉ Ê{ÉU±Éä Ê´ÉiiÉÒªÉ ´É¹ÉÇ Eäò crores as on 31st Mar'18. Credit-Deposit ratio stood at 78.64% 79.03% Eäò ºÉÉ{ÉäIÉ 78.64% ®½É* Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ ¤ÉéEò Eäò as against 79.03% in the last financial year. Yield on advances for the Bank stood at 7.80% during FY18. +ÊOɨÉÉå {É® |ÉÊiÉ¡ò±É 7.80% ®½É* iii. JÉÖn®É @ñhÉ iii. Retail Credit 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ Ê®ú]äõ±É @ñhÉ Eäò +ÆiÉMÉÇiÉ {ÉÉä]Çõ¡òÉäʱɪÉÉä ´É¹ÉÇ- The portfolio under Retail Credit as on 31.03.2018 stood at nù®ú-´É¹ÉÇ 25.05% EòÒ ´ÉÞÊrù nùVÉÇ Eò®úiÉä ½ÖþB 31.03.2017 EòÉä ªÉlÉÉκlÉÊiÉ `20,375 crores as against `16,293 crores as on 31.03.2017, `16293 Eò®úÉäc÷ Eäò ºÉÉ{ÉäIÉ `20375 Eò®úÉäc÷ lÉÉþ* Ê®ú]äõ±É @ñhÉ Eäò +ÆiÉMÉÇiÉ registering Y-o-Y growth of 25.05%. Housing Loan, a key constituent under Retail Credit grew at a pace of 27% Y-o-Y. +É´ÉɺÉþ @ñhÉ, BEò |ɨÉÖJÉ PÉ]õEò, ¨É ´É¹ÉÇ-nù®ú-´É¹ÉÇ 27% EòÒ MÉÊiÉ ºÉä ´ÉÞÊrù ½Öþ<Ç* +¤É ¤ÉéEò Eäò {ÉÉºÉ näù¶É Eäò Ê´ÉʦÉzÉ EäòpùÉååù ¨Éå ¡èò±Éä ½ÖþB 53 EäòxpùÒªÉEÞòiÉ Ê®ú]äõ±É The Bank has now a total of 53 Centralised Retail Banking ¤ÉéËEòMÉ ¤ÉÖ]õÒEò (ºÉÒ+É®ú¤ÉÒ¤ÉÒ) ½éþ VÉÉä ʴɶÉä¹É °ü{É ºÉä Ê´ÉÊxÉÌnù¹]õ Ê®ú]äõ±É @ñhÉÉå Boutiques (CRBBs) spread over different parts of the country EòÉä i´ÉÊ®úiÉ +Éè®ú ZÉÆZÉ]õ ¨ÉÖHò iÉ®úÒEäò ºÉä ÊxÉ{É]õÉxÉ Eò®úiÉä ½éþ* specially catering to specified retail loans for quick & hassle free disposal. iv |ÉÉlÉʨÉEòiÉÉ IÉäjÉ iv. Priority Sector 31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ |ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ñhÉ `68500Eò®Éäc ®½É, Priority Sector Credit stood at `68500 crores as on 31st Mar'18, VÉÉä 40% Eäò ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnÆb Eäò ºÉÉ{ÉäIÉ ºÉ¨ÉɪÉÉäÊVÉiÉ ÊxÉ´É±É ¤ÉéEò @ñhÉ which was 46.69% of Adjusted Net Bank Credit (ANBC) against the stipulated norm of 40%. The Bank achieved 116.73% of (BBxɤÉÒºÉÒ) EòÉ 46.69% lÉÉ* ¤ÉéEò xÉä Ê´ÉÊxɪÉɨÉEò +{ÉäIÉÉ EòÉ 116.73% |ÉÉ{iÉ ÊEòªÉÉ ½è* the regulatory requirement.

|ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ hÉ / Priority Sector Credit (` Eò®Éäc ¨Éå)/(` in crore)

31.03.2017 31.03.2018

|ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ñhÉ, ÊVɺɨÉå ºÉä/Priority Sector Credit, of which: 66644 68500

B)/a) EÞòÊ¹É / Agriculture 27725 27682**

JÉ)/b)B¨ÉBºÉB¨É<Ç (|ÉÉlÉʨÉEòiÉÉ) / MSME (Priority) 29835 30654

MÉ)/c) +xªÉ / Others 9084 10164

Eò¨ÉVÉÉä® ´ÉMÉÇ / Weaker Sections 22420 23162

¨Éʽ±ÉÉ ±ÉɦÉÉlÉÔ / Women Beneficiaries 8257 9401

** =kÉ®ú |Énäù¶É +Éè®ú ¨É½þÉ®úɹ]Åõ ¨Éå @ñhÉ ¨ÉÉäSÉxÉ EÞòÊ¹É +ÊOÉ¨É ¨Éå xÉEòÉ®úÉi¨ÉEò ´ÉÞÊrù EòÉ |ɨÉÖJÉ EòÉ®úhÉ lÉÉ* ** Debt redemption in UP and Maharashtra was the main reason of negative growth in Agriculture advance.

±ÉIªÉ ={ɱÉʤvɪÉÉÆ/ Target Achievements ±ÉIªÉ / Target ={ɱÉʤvɪÉÉÆ/Achievements BBxɤÉÒºÉÒ EòÉ % / % to ANBC 31.03.2017 31.03.2018

|ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ñhÉ, ÊVɺɨÉå ºÉä / Priority Sector Credit, of which: 40% 44.55% 46.69%

B)/a) EÞòʹÉ/Agriculture 18% 18.53% 18.87%

JÉ)/b) Eò¨ÉVÉÉä® ´ÉMÉÇ/Weaker Sections 10% 14.99% 15.79%

MÉ)/c) ¨Éʽ±ÉÉ ±ÉɦÉÉlÉÔ/Women Beneficiaries 5.00% 5.54% 6.41%

26 EÞòÊ¹É ½äiÉÖ @ñhÉ Credit to Agriculture

31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ EÞòÊ¹É @ñhÉ `27682 Eò®Éäc ®½É, VÉÉä 18% Credit to Agriculture stood at `27682 crores as on 31st Mar'18, Eäò ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnÆb Eäò ºÉÉ{ÉäIÉ BBxɤÉÒºÉÒ EòÉ 18.87% ®½É* ¤ÉéEò xÉä which was 18.87% of ANBC against the stipulated norm of 18%. The Bank achieved 104.82% of the stipulated norm. ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnhb EòÉ 104.82% |ÉÉ{iÉ ÊEòªÉÉ * ±ÉPÉÖ +Éè® ºÉÒ¨ÉÉÆiÉ ÊEòºÉÉxÉÉå Credit to Small & Marginal Farmers stood at `18963 crores, EòÉä @ñhÉ `18963 Eò®Éäc ®½É VÉÉä 8% Eäò ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnhb Eäò ºÉÉ{ÉäIÉ which was 12.93% of ANBC against the stipulated norm of BBxɤÉÒºÉÒ EòÉ 12.93% ½è* ʴɶÉä¹É EÞòÊ¹É @ñhÉ ªÉÉäVÉxÉÉ (BºÉBºÉÒ{ÉÒ) Eäò 8%. Under Special Agricultural Credit Plan (SACP), the Bank +ÆiÉMÉÇiÉ ¤ÉéEò xÉä Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18 ½äiÉÖ `11250 Eò®Éäc Eäò ±ÉIªÉ Eäò ºÉÉ{ÉäIÉ disbursed `13005 crores agricultural credit against the target `13005 Eò®Éäc EÞòÊ¹É @ñhÉ ºÉÆÊ´ÉiÉÊ®iÉ ÊEòB* of `11250 crores for FY18.

Eò¨ÉVÉÉä® ´ÉMÉÇ +Éè® +VÉÉ/+VÉVÉÉ ½äiÉÖ @ñhÉ Credit to Weaker Sections and SC/ST

31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ Eò¨ÉVÉÉä® ´ÉMÉÉäÈ EòÉä @ñhÉ `23162 Eò®Éäc ®½É Advances to Weaker Section stood at `23162 crores as on VÉÉä 10.00% Eäò ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnÆb Eäò ºÉÉ{ÉäIÉ BBxɤÉÒºÉÒ EòÉ 15.79% ½è* 31st Mar'18, constituting 15.79% of ANBC against the 31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ +VÉÉ/+VÉVÉÉ EòÉä +ÊOÉ¨É `6962 Eò®Éäc ®½É stipulated norm of 10.00%. Advances to SC/ST were at Rs. ÊVɺɨÉå ´É¹ÉÇ n® ´É¹ÉÇ ` Eò®Éäc EòÒ ´ÉÞÊr nVÉÇ EòÒ MÉ<Ç +Éè® <ºÉ +´ÉÊvÉ Eäò 6962 crores as on 31st Mar'18, registering Y-o-Y growth of - - 330 ` +Æn® Eò¨ÉVÉÉä® ´ÉMÉÇ Eäò +ÆiÉMÉÇiÉ +VÉÉ +VÉVÉÉ EòÉä +ÊOÉ¨É EòÉ +Æ¶É lÉÉ* 330 crores and share of advances to SC/ST under weaker / 36% section was 36% in the same period.

¨Éʽ±ÉÉ ±ÉɦÉÉÊlÉǪÉÉå EòÉä @ñhÉ Credit to Women Beneficiaries

31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ ¨Éʽ±ÉÉ ±ÉɦÉÉÊlÉǪÉÉå EòÉä @ñhÉ `9401 Eò®Éäc As on 31st Mar'18, credit to women beneficiaries stood at ®½É VÉÉä 5.00% Eäò ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnÆb Eäò ºÉÉ{ÉäIÉ BBxɤÉÒºÉÒ EòÉ 6.41% `9401 crores, which was 6.41% of ANBC against the stipulated lÉÉ* norm of 5.00%.

+±{ɺÉÆJªÉEò ºÉ¨ÉÖnÉªÉ EòÉä @ñhÉ Credit to Minority Communities

31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ +±{ɺÉÆJªÉEò ºÉ¨ÉÖnÉªÉ EòÉä @hÉ `10432 Credit to Minority Community stood at `10432 crores as on Eò®Éäc ®½É VÉÉä 15.00% Eäò ÊxÉvÉÉÇÊ®iÉ ¨ÉÉxÉnÆb Eäò ºÉÉ{ÉäIÉ |ÉÉIÉä@ Eäò +ÆiÉMÉÇiÉ 31st Mar'18 which was 15.23% of total advances under PSC EÖò±É +ÊOÉ¨É EòÉ 15.23% ½è* against the stipulated norm of 15.00%.

¨ÉÉ

Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ ¨ÉÉ

OÉɨÉÒhÉ º´É®ÉäVÉMÉÉ® |ÉʶÉIÉhÉ ºÉƺlÉÉxÉ (+É®ºÉä]Ò) EòÒ OÉäËbMÉ Grading of Rural Self-Employment Training Institutes (RSETIs)

31 ¨ÉÉSÉÇ, 17 EòÉä ªÉlÉÉʺlÉÊiÉ ¤ÉéEò Eäò ºÉ¦ÉÒ 21 +É®ºÉä]Ò EòÉä “BB” OÉäb÷ All 21 RSETIs of the Bank have been graded as "AA" (Highest (=SSÉiÉ¨É OÉäb÷) |ÉnÉxÉ ÊEòªÉÉ MɪÉÉ* Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ +ɪÉÉäÊVÉiÉ Grade) as on 31st Mar'17. Both the targets against number of |ÉʶÉIÉhÉ EòɪÉÇGò¨ÉÉå EòÒ ºÉÆJªÉÉ +Éè® |ÉʶÉÊIÉiÉ +¦ªÉÊlÉǪÉÉå EòÒ ºÉÆJªÉÉ nÉäxÉÉÆä training programmes organized & number of candidates trained oʹ]ªÉÉå ºÉä ½¨ÉÉ®ä +É®ºÉä]Ò xÉä ±ÉIªÉ EòÉä {ÉÉ® Eò® ʱɪÉÉ lÉÉ* were surpassed by our RSETIs during FY18. v. ºÉÚI¨É, ±ÉPÉÖ B´ÉÆ ¨ÉvªÉ¨É =t¨É v. Micro, Small and Medium Enterprises

¤ÉéEò EòÉ B¨ÉBºÉB¨É<Ç {ÉÉä]Ç¡òÉäʱɪÉÉä 31¨ÉÉSÉÇ, 17 EòÉä ªÉlÉÉʺlÉÊiÉ `31182 The portfolio of MSME loans of the Bank grew from `31,182 Eò®Éäc ºÉä ¤ÉgEò® 31¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ `31547 Eò®Éäc ½Éä MɪÉÉ, crores as on 31st Mar'17 to `31,547 crores as on 31st Mar'18, ÊVɺɨÉå ´É¹ÉÇ-n®-´É¹ÉÇ 1.17% EòÒ ´ÉÞÊr nVÉÇ EòÒ MÉ<Ç* registering a Y-o-Y growth of 1.17%.

27 ¨ÉÖpÉ @hÉ MUDRA Loans

¤ÉéEò xÉä |ÉvÉÉxÉ ¨ÉÆjÉÒ ¨ÉÖpÉ ªÉÉäVÉxÉÉ ({ÉÒB¨ÉB¨É´ÉÉ<Ç) Eäò +ÆiÉMÉÇiÉ ÊxÉvÉÇxÉ ¨Éå The Bank extended MUDRA loans under Pradhan Mantri ÊxÉvÉÇxÉiÉ¨É EòÉä Ê´ÉiiÉÒªÉ ´É¹ÉÇ 17 Eäò `2159 Eò®Éäc Eäò ºÉÉ{ÉäIÉ Ê´ÉiiÉÒªÉ ´É¹ÉÇ Mudra Yojana (PMMY) to the poorest of the poor amounting to ` ` 18 Eäò nÉè®ÉxÉ `22766 Eò®Éäc EòÉ ¨ÉÖpÉ @ñhÉ |ÉnÉxÉ ÊEòªÉÉ* 2766.41 crores during FY18 against 2159 crores during FY17. vi. +ÉʺiÉ MÉÖhÉ´ÉiiÉÉ vi. Asset Quality

31¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ ¤ÉéEò EòÉ ºÉEò±É BxÉ{ÉÒB Ê´ÉiiÉÒªÉ ´É¹ÉÇ 17 Eäò As on 31st Mar'18, Gross NPA of the Bank stood at `26,563 `20688 Eò®Éäc Eäò ºÉÉ{ÉäIÉ `26563 Eò®Éäc ®½É +Éè® ÊxÉ´É±É BxÉ{ÉÒB BEò crores as against `20,688 crores during FY17 and Net NPA ´É¹ÉÇ {ÉÚ´ÉÇ Eäò `13434 Eò®úÉäc÷ Eäò ºÉÉ{ÉäIÉ `12229 Eò®Éäc÷ ®ú½þÉ* |ÉÊiɶÉiÉ Eäò was at `12,229 crores as against `13,434 crores a year ago. °ü{É ¨Éå ºÉEò±É BxÉ{ÉÒB |ÉÊiɶÉiÉ +Éè® ÊxÉ´É±É BxÉ{ÉÒB |ÉÊiɶÉiÉ Gò¨É¶É: 15.96% In terms of ratio, Gross NPA Percentage and Net NPA Ê´ÉiiÉÒªÉ ´É¹ÉÇ 17: +Éè® 8.04 Ê´ÉiiÉÒªÉ ´É¹ÉÇ 17: Percentage were 15.96% (FY17: 13.09%) & 8.04% (FY17: ( 13.09%) % ( 8.92%) 8.92%) respectively. The provision coverage of the Bank ®½É* ¤ÉéEò EòÉ |ÉÉ´ÉvÉÉxÉ Eò´É®äVÉ Ê´ÉiiÉÒªÉ ´É¹ÉÇ 17 Eäò 50.11% ºÉä ¤Ég Eò® improved to 62.91% during FY18 from 50.11% a year ago. Ê´ÉiiÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ 62.91% ½Éä MɪÉÉ* vii. Financial Inclusion vii. Ê´ÉiiÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ ÊxɨxÉʱÉÊJÉiÉ Uô½þ ºiÉƦÉÉå Eäò ¨ÉÉvªÉ¨É ºÉä ʨɶÉxÉ ¨ÉÉäb÷ ¨Éå ºÉ¨ÉÉ´Éä¶ÉÒ ´ÉÞÊrù |ÉÉ{iÉ The Prestigious Pradhan Mantri Jan Dhan Yojana (PMJDY) Eò®úxÉä Eäò =qäù¶ªÉ ºÉä 28.08.2014 EòÉä |ÉÊiÉι`ööiÉ |ÉvÉÉxÉ ¨ÉÆjÉÒ VÉxÉvÉxÉ was launched on 28.08.2014 with basic objective of achieving ªÉÉäVÉxÉÉ ({ÉÒB¨ÉVÉäb÷Ò´ÉÉ<Ç) EòÉ +É®Æú¦É ÊEòªÉÉ MɪÉÉ lÉÉ* inclusive growth in Mission Mode through the following Six Pillars:

ºiÉƦÉ1 : ¤ÉéËEòMÉ ºÉÖÊ´ÉvÉÉ+Éå iÉEò ºÉÉ´ÉǦÉÉèʨÉEò {ɽÖÆþSÉ Pillar-1: Universal Access to Banking facilities

• EÖò±É 4580 ={É ºÉä´ÉÉ IÉäjÉ (BºÉBºÉB) EòÉä ¤ÉéEò uùÉ®úÉ 4355 ¤ÉéEò  A total of 4580 Sub Service Areas (SSAs) have been fully ʨÉjÉÉå EòÉ +ʦÉÊxɪÉÉäVÉxÉ Eò®ú {ÉÚhÉÇiɪÉÉ ¶ÉÉÊ¨É±É ÊEòªÉÉ MɪÉÉ ½èþ B´ÉÆ ¶Éä¹É covered by the Bank through 4355 Bank Mitras and 225 BºÉBºÉB EòÉä ¶ÉÉJÉÉ+Éå Eäò ¨ÉÉvªÉ¨É ºÉä ¶ÉÉÊ¨É±É ÊEòªÉÉ MɪÉÉ ½èþ* remaining 225 SSAs covered through Branches. ºiÉÆ¦É 2 : Ê´ÉkÉÒªÉ ºÉÉIÉ®úiÉÉ EòɪÉÇGò¨É Pillar-2: Financial Literacy Programme

• ¤ÉéEò ½þ¨ÉÉ®äú ºÉ¦ÉÒ +OÉhÉÒ ÊVɱÉÉå ¨Éå κlÉiÉ Ê´ÉkÉÒªÉ ºÉÉIÉ®úiÉÉ EäòxpùÉå  The Bank provides financial literacy through Financial (B¡òB±ÉºÉÒ) +Éè®ú ¤ÉéEò ʨÉjÉÉå Eäò ¨ÉÉvªÉ¨É ºÉä Ê´ÉkÉÒªÉ ºÉÉIÉ®úiÉÉ |ÉnùÉxÉ Literacy Centers (FLC) located in all our Lead Districts and Eò®úiÉÉ ½èþ* Bank Mitras. ºiÉÆ¦É 3 : ¤ÉÖÊxɪÉÉnùÒ ¤ÉéËEòMÉ JÉÉiÉä JÉÉä±ÉxÉÉ Pillar-3: Providing Basic Banking Accounts

• 31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò xÉä {ÉÒB¨ÉVÉäb÷Ò´ÉÉ<Ç Eäò +ÆiÉMÉÇiÉ  As on 31st Mar'18, the Bank opened 75.98 lakh accounts 75.98 ±ÉÉJÉ JÉÉiÉä JÉÉä±Éä +Éè®ú

31 ¨ÉÉSÉÇ, 18 EòÉä ªÉlÉÉʺlÉÊiÉ {ÉÒB¨ÉVÉäbÒ´ÉÉ<Ç OÉɽEòÉå EòÉä +Éä´É®bÅÉ}] Status of Overdraft facility to PMJDY customers as on ºÉÖÊ´ÉvÉÉ EòÒ ÊºlÉÊiÉ ÊxɨxÉÉxÉÖºÉÉ® ½è:- 31st Mar'18 was as under:

{ÉÉjÉ JÉÉiÉä ºÉƺ´ÉÒEÞòiÉ +Éäb÷Ò ={ɦÉÉäMÉ ÊEòB ={ɦÉÉäMÉ EòÒ MÉ<Ç +Éäb÷Ò Eligible OD OD OD Availed MÉB +Éäb÷Ò JÉÉiÉä EòÒ ®úÉ榃 (±ÉÉJÉ) A/Cs Sanctioned Availed A/c Amt (Lac) 170573 170573 44863 1217.35 170573 170573 44863 1217.35 ºiÉÆ¦É 5 : ¨ÉÉ

• SÉɱÉÚ ´É¹ÉÇ ½äþiÉÖ 31.03.2018 iÉEò |ÉvÉÉxÉ ¨ÉÆjÉÒ ºÉÖ®úIÉÉ ¤ÉÒ¨ÉÉ ªÉÉäVÉxÉÉ  Insurance Premium has been remitted to the insurer for ({ÉÒB¨ÉBºÉ¤ÉÒ´ÉÉ<ÇÇ) Eäò +ÆiÉMÉÇiÉ ¤ÉÒ¨ÉÉEòiÉÉÇ EòÉä 23.80 ±ÉÉJÉ OÉɽþEòÉå Eäò 23.80 lakh customers for an amount of `2.86 crore under `2.86 Eò®úÉäc÷ Eäò ¤ÉÒ¨ÉÉ |ÉÒÊ¨ÉªÉ¨É EòÉ ¦ÉÖMÉiÉÉxÉ ÊEòªÉÉ MɪÉÉ* ¤ÉéEò xÉä Pradhan Mantri Suraksha Bima Yojana (PMSBY) up to 31.03.2018 iÉEò `44.79 ±ÉÉJÉ EòÉ ¶ÉÖ±Eò +ÉvÉÉÊ®úiÉ Eò¨ÉÒ¶ÉxÉ 31.03.2018 for the current year. Bank earned the Fee based +ÌVÉiÉ ÊEòªÉÉ* commission of `44.79 Lakh up to 31.03.2018. • SÉɱÉÚ ´É¹ÉÇ ½äþiÉÖ 31.03.2018 iÉEò |ÉvÉÉxÉ ¨ÉÆjÉÒ VÉÒ´ÉxÉ VªÉÉäÊiÉ ¤ÉÒ¨ÉÉ  Insurance Premium has been remitted to the Insurer for ªÉÉäVÉxÉÉ ({ÉÒB¨ÉVÉäVÉä¤ÉÒ´ÉÉ<ÇÇ) Eäò +ÆiÉMÉÇiÉ ¤ÉÒ¨ÉÉEòiÉÉÇ EòÉä 7.38 ±ÉÉJÉ `7.38 lakh customers for an amount of `21.33 crore under OÉɽþEòÉå Eäò `21.33 Eò®úÉäc÷ Eäò ¤ÉÒ¨ÉÉ |ÉÒÊ¨ÉªÉ¨É EòÉ ¦ÉÖMÉiÉÉxÉ ÊEòªÉÉ Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) up to MɪÉÉ* ¤ÉéEò xÉä 31.03.2018 iÉEò `238.67 ±ÉÉJÉ EòÉ ¶ÉÖ±Eò 31.03.2018 for the current year. Bank earned the Fee based ` +ÉvÉÉÊ®úiÉ Eò¨ÉÒ¶ÉxÉ +ÌVÉiÉ ÊEòªÉÉ* commission of 238.67 Lakh up to 31.03.2018. 28 • 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ {ÉÒB¨ÉVÉäVÉä¤ÉÒ´ÉÉ<Ç +Éè®ú {ÉÒB¨ÉBºÉ¤ÉÒ´ÉÉ<Ç  A total of 2430 and 680 claims under PMJJBY and PMSBY Eäò +ÆiÉMÉÇiÉ Gò¨É¶É: 2430 +Éè®ú 680 nùÉ´ÉÉå EòÉ ÊxÉ{É]õÉxÉ ÊEòªÉÉ MɪÉÉ* respectively as on 31.03.2018 were settled. The claim paid {ÉÒB¨ÉVÉäVÉä¤ÉÒ´ÉÉ<Ç +Éè®ú {ÉÒB¨ÉBºÉ¤ÉÒ´ÉÉ<Ç ½äþiÉÖ ¤ÉéEò EòÉ nùÉ´ÉÉ ¦ÉÖMÉiÉÉxÉ ratio of the Bank for PMJJBY & PMSBY stands at 92.27% & 98.82% respectively. +xÉÖ{ÉÉiÉ Gò¨É¶É: 92.27% +Éè®ú 98.82% ®ú½þÉ* ºiÉÆ¦É 6 : +ºÉÆMÉÊ`ööiÉ IÉäjÉ {Éå¶ÉxÉ ªÉÉäVÉxÉÉBÆ VÉèºÉä +]õ±É {Éå¶ÉxÉ ªÉÉäVÉxÉÉ Pillar-6: Unorganised sector Pension schemes like Atal (B{ÉÒ´ÉÉ<Ç) Pension Yojana (APY) • 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ +]õ±É {Éå¶ÉxÉ ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ <ºÉEòÒ  Since inception, the Bank has mobilized 229523 Lakh ¶ÉÖ¯û+ÉiÉ ºÉä ±ÉäEò®ú 229523 ±ÉÉJÉ |ɺiÉÉ´ÉÉå EòÉ ºÉÆOɽþhÉ ÊEòªÉÉ MɪÉÉ* proposals under APY till 31.03.2018.

Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ Eäò +ÆiÉMÉÇiÉ ¤ÉéEò EòÉ EòɪÉÇÊxɹ{ÉÉnùxÉ / Performance of Bank under Financial Inclusion:

Gò¨É ºÉÆ./Sl. Ê´É´É®úhÉ/ Particulars 31.03.2017 31.03.2018 +ÆiÉ®ú/Variation ´ÉÞÊrù%/% Growth 1. {ÉÒB¨ÉVÉäb÷Ò´ÉÉ<Ç Eäò +ÆiÉMÉÇiÉ JÉÉä±Éä MÉB JÉÉiÉÉå EòÒ ºÉÆJªÉÉ (±ÉÉJÉ ¨Éå) No. of A/Cs opened under PMJDY (in Lakh) 65.94 75.98 10.03 15.21% 2. JÉÉiÉÉå ¨Éå ¶Éä¹É (` Eò®úÉäc÷ ¨Éå)/ Balance in the A/Cs ( ` in Crore) 1219.39 2137.90 918.51 75.32% 3. ¶Éä¹É ´ÉɱÉä JÉÉiÉÉå EòÒ ºÉÆJªÉÉ (±ÉÉJÉ ¨Éå)/ No of A/Cs with balance (in Lakh) 54.41 73.69 19.28 35.43% 4. ¶Éä¹É ´ÉɱÉä JÉÉiÉÉå EòÉ %/ % of With Balance A/Cs 82.50% 96.99% - 14.49% 5. ºÉÆSɪÉÒ B<Ç{ÉÒBºÉ ±ÉäxÉnäùxÉ (±ÉÉJÉ ¨Éå)/ Cumulative AEPS Transaction (in Lakh) 143.73 411.19 267.46 186.07% 6. +ÉvÉÉ®ú ºÉÒbä÷b÷ JÉÉiÉä (±ÉÉJÉ ¨Éå)/ Aadhaar Seeded Accounts (in Lakh) 54.78 66.04 11.26 20.55% 7. +ÉvÉÉ®ú ºÉÒËb÷MÉ EòÉ %/ % of Aadhaar Seeding 83.07% 86.93% 3.86% 8. VÉÉ®Ò ¯û{Éä EòÉbÇ÷ (±ÉÉJÉ ¨Éå)/ Rupay Card Issued (in Lakh) 51.31 58.42 7.11 13.86%

Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ Eäò +ÆiÉMÉÇiÉ ´ÉèEòα{ÉEò ¤ÉÖÊxɪÉÉnùÒ SÉèxÉ±É Eäò ¨ÉÉvªÉ¨É ºÉä Basic banking through alternate delivery channels and new ¤ÉéËEòMÉ +Éè®ú xÉ<Ç {ɽþ±É: initiatives under Financial Inclusion:

• ¨ÉÉ

• JÉÉiÉÉ JÉÉä±ÉxÉä ½äþiÉÖ EòÉMÉVÉÒ nùºiÉÉ´ÉäVÉÉå Eäò ʤÉxÉÉ OÉɽþEò ºÉiªÉÉ{ÉxÉ ½äþiÉÖ  For opening of account, e-KYC facility has been <Ç-Eäò´ÉÉ<ǺÉÒ ºÉÖÊ´ÉvÉÉ EòɪÉÉÇÎx´ÉiÉ EòÒ MÉ<Ç* implemented for customer verification without any paper documents. • +ÉìxÉ-+ºÉ B´ÉÆ +É¡ìò-+ºÉ ±ÉäxÉnäùxÉÉå ½äþiÉÖ +ÉvÉÉ®ú ºÉ¨ÉÌlÉiÉ ¦ÉÖMÉiÉÉxÉ |ÉhÉɱÉÒ  Aadhaar Enabled Payment System (AEPS) for on-us & off- (B<Ç{ÉÒBºÉ) +Éè®ú ºÉ¦ÉÒ ¤ÉéEò ʨÉjÉ ±ÉÉäEäò¶ÉxÉÉå {É®ú ¯û{Éä B]ÒB¨É EòÉbÇ÷ EòÒ us transactions and RuPay ATM card acceptance at all Bank º´ÉÒEÞòÊiÉ EòÉä {ÉɺɤÉÖEò Ë|ÉË]õMÉ ºÉÖÊ´ÉvÉÉ Eäò ºÉÉlÉ +ÊxÉ´ÉɪÉÇ ¤ÉxÉɪÉÉ MɪÉÉ ½èþ,þ Mitra locations have been made mandatory along with <ºÉ |ÉEòÉ®ú ±ÉäxÉnäùxÉ EòÒ ±ÉÉMÉiÉ, ¨ÉÖpùhÉ +Éè®ú ±ÉäJÉxÉ ºÉɨÉOÉÒ +ÉÊnù EòÒ Passbook printing facility, thus cutting down transaction cost, ±ÉÉMÉiÉ +Éè®ú Ê¥ÉEò BÆb÷ ¨ÉÉä]õÉÇ®ú ¶ÉÉJÉÉ+Éå EòÒ ºlÉÉ{ÉxÉÉ EòÒ ±ÉÉúMÉiÉ ¨Éå cost towards printing & stationery etc. and capital expenditure for setting up brick & mortar branches as well Eò]õÉèiÉÒ ½Öþ<Ç *ºÉÉlÉ ½þÒ {ÉÊ®úSÉɱÉxÉMÉiÉ VÉÉäÊJÉ¨É ¦ÉÒ Eò¨É ½Öþ+É ½èþ CªÉÉåÊEò as reducing operational risk, as withdrawal and fund +ɽþ®úhÉ +Éè®ú ÊxÉÊvɪÉÉå EòÉ +ÆiÉ®úhÉ ªÉÉ iÉÉä +ÉvÉÉ®ú ªÉÉ EòÉbÇ÷ +ÉvÉÉÊ®úiÉ ½èþ* transfers happen either through Aadhaar or Card based.

29 • xÉ<Ç {ɽþ±É ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ ¤ÉéEò ʨÉjÉ ±ÉÉäEäò¶ÉxÉÉå {É®ú {ÉɺɤÉÖEò Ë|ÉË]õMÉ  Under New Initiative Plan, Pass Book Printing Facility at EòÒ ºÉÖÊ´ÉvÉÉ EòɪÉÉÇÎx´ÉiÉ EòÒ MÉ<Ç ½èþ* <ºÉºÉä ¨ÉÖpùhÉ +Éè®ú ±ÉäJÉxÉ ºÉɨÉOÉÒ Bank Mitra Locations has been implemented. This has +ÉÊnù EòÒ ±ÉÉMÉiÉ PÉ]õxÉä Eäò ºÉÉlÉ- ºÉÉlÉ EòÉä<Ç {ÉÚÆVÉÒMÉiÉ ±ÉÉMÉiÉ ¦ÉÒ xɽþÓ resulted in reduction of cost towards printing & stationery etc. as well as there has been no capital cost as all fixed +É<Ç ½èþ CªÉÉåÊEò ºÉ¨ÉºiÉ ÎºlÉ®ú ±ÉÉMÉiÉÉå EòÉ ´É½þxÉú ¤ÉéEò ʨÉjÉÉå uùÉ®úÉ ÊEòªÉÉ costs have been incurred by Bank Mitras. MɪÉÉ ½èþ* • ¶ÉÉJÉÉ+Éå ¨Éå |ÉÊiÉÊnùxÉ ¤ÉSÉiÉ ¤ÉéEò JÉÉiÉÉå EòÒ ºÉÆJªÉÉ ¤ÉgøÉxÉä +Éè®ú VɨÉÉ  On line Funded Account Opening at Bank Mitra Locations ±ÉÉMÉiÉ ¨Éå Eò¨ÉÒ Eò®úxÉä ½äþiÉÖ ¤ÉéEò ʨÉjÉ ±ÉÉäEäò¶ÉxÉÉå {É®ú +ÉxɱÉÉ

• ¤ÉéEò ¤ÉEòɪÉÉ (`15.00 ±ÉÉJÉ iÉEò) EòÒ ´ÉºÉÚ±ÉÒ EòÉä ¤ÉéEò ʨÉjÉ SÉèxÉ±É Eäò  Recovery of Bank's Dues (Up to `15.00 Lakh) got operational ¨ÉÉvªÉ¨É ºÉä {ÉÊ®úSÉÉʱÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ +Éè®ú <ºÉ SÉèxÉ±É Eäò ¨ÉÉvªÉ¨É ºÉä from Bank Mitra Channel and Bank Could recover `217.86 748 ®úÉ<Ç]õ-+Éì¡ò JÉÉiÉÉå ¨Éå `217.86 ±ÉÉJÉ EòÒ ´ÉºÉÚ±ÉÒ ½þÉä ºÉEòÒ Lakh in 748 written-off accounts through this channel. PÉ. oùι]õEòÉähÉ D. Outlook

+ÉκiÉ MÉÖhÉ´ÉkÉÉ, ʴɶÉä¹ÉEò®ú ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ Eäò ¤ÉéEòÉå EòÒ, ¨Éå ¦ÉÉ®úÒ ÊMÉ®úÉ´É]õ Asset quality, especially of PSBs has deteriorated drastically; ½Öþ<Ç ½èþ, ¤ÉéEòÉå Eäò =SSÉ-nù®ú ´ÉɱÉä EòÉ®ú{ÉÉä®äú]õ ´ªÉ´ÉºÉÉªÉ EòÉ BEò ¨É½þi´É{ÉÚhÉÇ a significant chunk of banks' high-rated corporate business ʽþººÉÉ ÊxÉÊvɪÉÉå Eäò +Éè®ú +ÊvÉEò ÊEò¡òɪÉiÉÒ »ÉÉäiÉÉå, VÉèºÉä ¤ÉÉÆb÷ EòÒ +Éä®ú SɱÉÉ has switched to more cost-effective sources of funds such as MɪÉÉ; ¤ÉéEòÉå xÉä +{ÉxÉÉ vªÉÉxÉ Ê®ú]äõ±É JÉÆb÷ EòÒ +Éå®ú EåòÊpùiÉ ÊEòªÉÉ* ʴɶÉä¹ÉEò®ú bonds; the banks have shifted their focus to the retail segment. ¶É½þ®úÒ IÉäjÉÉå +Éè®ú ªÉÖ´ÉÉ+Éå ¨Éå Êb÷VÉÒ]õ±É ¤ÉéËEòMÉ EòÒ ¤ÉgøiÉÒ ±ÉÉäEòÊ|ɪÉiÉÉ ºÉä With digital banking becoming increasingly popular, especially in the urban areas and with the youth, banks are re-drawing ¤ÉéEò +{ÉxÉä ´ªÉ´ÉºÉÉªÉ ¨ÉÉb÷±ÉÉå +Éè®ú ʴɺiÉÉ®ú ®úhÉxÉÒÊiɪÉÉå EòÉä Ê¡ò®ú ºÉä iÉèªÉÉ®ú their business models and expansion strategies. Eò®ú ®ú½äþ ½éþ* +ÉMÉä näùJÉå iÉÉä, EòɪÉǶÉÒ±É {ÉÚÆVÉÒ ¨ÉÉÆMÉ ¨Éå ºÉÖvÉÉ®ú, ÊxÉVÉÒ ÊxÉ´Éä¶ÉÉå ¨Éå ½þ±EòÒ iÉäVÉÒ, Going forward, bank credit is expected to pick-up because of +ÉvÉÉ®ú¦ÉÚiÉ +´ÉºÉÆ®úSÉxÉÉ ¨Éå ºÉ®úEòÉ®ú Eäò =SSÉiÉ®ú ´ªÉªÉ, ÊVÉxºÉ EòÒ¨ÉiÉÉå ¨Éå improving working capital demand, marginal pick-up in private ºÉÖvÉÉ®ú iÉlÉÉ Ê®úEäòÊ{É]õ±ÉÉð{É®ú EòÒ +Éä®ú ®ú½þxÉä Eäò ºÉÉlÉ, ={ɦÉÉäHòÉ ¨ÉÚ±ªÉ ºÉÚSÉEòÉÆEò(ºÉÒ{ÉÒ+É<Ç) inflation is likely to remain in the range of 4.7% to 5.1% during +ÉvÉÉÊ®úiÉ ¨ÉÖpùÉ º¡òÒÊiÉ 4.7% ºÉä 5.1% iÉEò iÉlÉÉ =kÉ®úÉvÉÇ ¨Éå 4.4% ¤ÉxÉä the first half of FY19 and 4.4% in the second half, with risks ®ú½þxÉä EòÒ ºÉƦÉÉ´ÉxÉÉ ½èþ* Eò<Ç EòÉ®úEòÉå Eäò ¨ÉÖpùɺ¡òÒÊiÉ +´ÉvÉÉ®úhÉÉ EòÉä |ɦÉÉÊ´ÉiÉ tilted to the upside. Several factors are likely to influence the Eò®úxÉä EòÒ ºÉƦÉÉ´ÉxÉÉ ½èþ VÉèºÉä ºÉɨÉÉxªÉ ¨ÉÉxɺÉÚxÉ EòÉ {ÉÚ´ÉÉÇxÉÖ¨ÉÉxÉ, EòSSÉä iÉä±É EòÒ inflation outlook, viz., assumption of a normal monsoon, volatile +κlÉ®ú EòÒ¨ÉiÉå, PÉ®äú±ÉÚ ¨ÉÉÆMÉ ¨Éå iÉäVÉÒ +Éè®ú Eäòxpù ºÉ®úEòÉ®ú Eäò Eò¨ÉÇSÉÉÊ®úªÉÉå ½äþiÉÖ crude oil prices, pick-up in domestic demand and statistical BSÉ+É®B ´ÉÞÊrù EòÉ ºÉÉÆÎJªÉEòÒªÉ |ɦÉÉ´É* impact of HRA increase for central government employees. Ê´ÉkÉÒªÉ ´É¹ÉÇ 19 ¨Éå +ÉÌlÉEò MÉÊiÉÊ´ÉÊvÉ EòÒ MÉÊiÉ iÉäVÉ ½þÉäxÉä EòÒ ºÉƦÉÉ´ÉxÉÉ ½èþ* The pace of economic activity is expected to accelerate in ÊxÉ´Éä¶É MÉÊiÉÊ´ÉÊvÉ ¨Éå {ÉÖxɯûrùÉ®ú Eäò º{ɹ]õõ ºÉÆEäòiÉ ½éþ VÉÉä {ÉÚÆVÉÒMÉiÉ ¨ÉÉ±É Eäò FY19. There are clear signs of revival in investment activity as =i{ÉÉnùxÉ ¨Éå ºÉiÉiÉ Ê´ÉºiÉÉ®ú +Éè®ú +ɪÉÉiÉ ¨Éå ´ÉÞÊrù ¨Éå |ÉÊiÉˤÉʤÉiÉ ½þÉäiÉÉ ½èþ* reflected in the sustained expansion in capital goods production ºÉÉlÉ ½þÒ ´ÉèÊ·ÉEò ¨ÉÉÆMÉ ¦ÉÒ ¤Égø ®ú½þÒ ½èþ ÊVɺɺÉä ÊxɪÉÉÇiÉ EòÉä |ÉÉäiºÉɽþxÉ Ê¨É±ÉxÉÉ and rising imports. Also, global demand has been improving SÉÉʽþB +Éè®ú xÉB ÊxÉ´Éä¶ÉÉå ¨Éå iÉäVÉÒ +ÉxÉÒ SÉÉʽþB* ºÉ¨ÉOÉiÉ: ¦ÉÉÊ®ú¤Éé xÉä Ê´ÉkÉÒªÉ which should encourage exports and boost fresh investments. On the whole, the RBI has projected GDP growth to strengthen ´É¹ÉÇ 19 ½äþiÉÖ VÉÒb÷Ò{ÉÒ ´ÉÞÊrù Eäò ºÉÖoùgø ½þÉäEò®ú 7.4% ½þÉäxÉä EòÉ +xÉÖ¨ÉÉxÉ ±ÉMÉɪÉÉ ½èþ* to 7.4% in FY19. Ró. VÉÉäÊJÉ¨É +Éè®ú ËSÉiÉÉBÆ E. Risks and Concerns

¤ÉéEò EòÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ nù¶ÉÇxÉ +Éè®ú xÉÒÊiÉ Ê´ÉÊxɪÉɨÉEò ¨ÉÉxÉEòÉå, =tÉäMÉ EòÒ The Risk Management Philosophy and Policy of the Bank is ºÉ´ÉÉækÉ¨É {ÉÊ®ú{ÉÉÊ]õªÉÉå +Éè®ú ¤ÉéEò EòÒ MÉÊiÉÊ´ÉÊvɪÉÉå Eäò ¨ÉÉxÉ +Éè®ú VÉÊ]õ±ÉiÉÉ Eäò aligned with regulatory standards, industry best practices and +xÉÖ{ÉÉiÉ Eäò +xÉÖ°ü{É ½éþ* <ºÉ¨Éå VÉÉäÊJÉ¨É +Éè®ú +ÉκiɪÉÉå {É®ú |ÉÊiÉ¡ò±É Eäò ¤ÉÒSÉ proportional to the scale and complexity of Bank's activity. This ºÉÆiÉÖ±ÉxÉ EòÉªÉ¨É Eò®úiÉä ½ÖþB +ÊvÉEòiÉ¨É |ÉÊiÉ¡ò±É, ¶ÉäªÉ®úvÉÉ®úEòÉå Eäò ¨ÉÚ±ªÉ ¨Éå include optimizing the return by striking a balance between

30 ºÉÖvÉÉ®ú ½äþiÉÖ ¤ÉÉVÉÉ®ú +Æ¶É ¤ÉgøÉxÉä EòÉ |ɪÉɺÉ,MÉÖhÉ´ÉkÉÉ{ÉÚhÉÇ +ÉκiɪÉÉå Eäò ¨ÉÉvªÉ¨É the risk and the return on assets, striving towards increasing ºÉä ´ªÉ´ÉºÉÉªÉ ´ÉÞÊrù +Éè®ú {ÉÚÆVÉÒ EòÉ ºÉÆ®úIÉhÉ ºÉÖÊxÉζSÉiÉ Eò®úxÉÉ ¶ÉÉÊ¨É±É ½è* market share to improve shareholders' value, augmenting ¤ÉɺÉä±É III {ÉÚÆVÉÒ Ê´ÉÊxÉªÉ¨É ºÉƤÉÆvÉÒ ¦ÉÉÊ®ú¤Éé Eäò Ên¶ÉÉÊxÉnæù¶ÉÉå EòÉä EòɪÉÉÇÎx´ÉiÉ business through quality assets and ensuring conservation of ÊEòªÉÉ MɪÉÉ ½èþ +Éè®ú ¤ÉéEò {ɪÉÉÇ{iÉ °ü{É ºÉä {ÉÚÆVÉÒEÞòiÉ ½èþ* VÉÉäÊJÉ¨É ¨ÉÉ{ÉxÉ, capital. RBI guidelines on Basel III Capital Regulations have ¨ÉÉÊxÉ]õË®úMÉ +Éè®ú ÊxɪÉÆjÉhÉ EòɪÉÉç EòÒ º´ÉiÉÆjÉiÉÉ ºÉÖÊxÉζSÉiÉ Eò®úxÉä ½äþiÉÖ =tÉäMÉ been implemented. An independent Risk Governance Structure, in line with Industry best practices has been put in EòÒ ºÉ´ÉÉækÉ¨É {ÉÊ®ú{ÉÉ]õÒ Eäò +xÉÖºÉÉ®ú BEò º´ÉiÉÆjÉ VÉÉäÊJÉ¨É MÉ´ÉxÉçºÉ ºÉÆ®úSÉxÉÉ place to ensure independence of Risk Measurement, ºlÉÉÊ{ÉiÉ EòÒ MÉ<Ç ½èþ* Monitoring and Control functions.

¤ÉéEò EòÉ BEò ºÉÖoùgø @ñhÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ føÉÆSÉÉ ½èþ +Éè®ú <ºÉxÉä EòÉ®ú{ÉÉä®äú]õ The Bank has sound Credit Risk Management Framework +Éè®ú Ê®ú]äõ±É C±ÉÉ<Æ]õ nùÉäxÉÉå EòÉä ¶ÉÉÊ¨É±É Eò®úiÉä ½ÖþB @ñhÉ VÉÉäÊJÉ¨É ®äúË]õMÉ and developed Credit Risk Rating Models (Risk Assessment ¨ÉÉb÷±É (VÉÉäÊJÉ¨É ÊxÉvÉÉÇ®úhÉ ¨ÉÉb÷±É-+É®úBB¨É) +Éè®ú ºEòÉä®ú EòÉbÇ÷ Ê´ÉEòʺÉiÉ Model- RAM) and score card covering both Corporate and ÊEòªÉÉ ½èþ* ªÉä ¨ÉÉb±É @ñhÉ VÉÉäÊJÉ¨É Eäò ÊxÉvÉÉÇ®hÉ EòÒ ´ÉèYÉÉÊxÉEò {ÉrÊiÉ ={ɱɤvÉ Retail Client. These models provide scientific method of Eò®ÉiÉä ½é* +É®úBB¨É ¨ÉÉb÷±É EòÒ |ɦÉÉ´ÉÉäi{ÉÉnùEòiÉÉ ºÉÖÊxÉζSÉiÉ Eò®úxÉä +Éè®ú assessing credit risk. The validation of the RAM models are ºÉÖoùgøiÉÉ ½äþiÉÖ ¨ÉÉ

BEò ʴɶÉä¹ÉÒEÞòiÉ ¤ÉÉVÉÉ®ú ùVÉÉäÊJÉ¨É |ɤÉÆvÉxÉ Êb÷´ÉÒVÉxÉ ¤ªÉÉVÉ nù®ú VÉÉäÊJɨÉ, A Specialized Market Risk Management Division looks into Ê´Énäù¶ÉÒ ¨ÉÖpùÉ VÉÉäÊJÉ¨É EòÒ ÊxÉMÉ®úÉxÉÒ Eò®úiÉÉ ½èþ* ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É xÉä]õ +Éä´É®úxÉÉ<]õ Interest Rate Risk, Foreign Exchange Risk. The Market Risk +Éä{ÉxÉ {ÉÉäÊVɶÉxÉ, ¨ÉÉÊb÷¡òÉ

Ê´ÉÊxɪÉɨÉEò Ênù¶ÉÉÊxÉnæù¶É Regulatory Guidelines

¤ÉéEò xÉä ¤ÉɺÉä±É** +Éè®ú *** Eäò +ÆiÉMÉÇiÉ VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉκiɪÉÉå +Éè®ú {ÉÚÆVÉÒ The Bank has adopted Standardized Approach for Credit Risk, {ɪÉÉÇ{iÉiÉÉ +xÉÖ{ÉÉiÉ EòÒ MÉhÉxÉÉ ½äþiÉÖ @ñhÉ VÉÉäÊJÉ¨É ½äþiÉÖ ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ, Standardized Duration Approach for Market Risk and Basic ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É ½äþiÉÖ ¨ÉÉxÉEòÒEÞòiÉ +´ÉÊvÉ oùι]õEòÉähÉ +Éè®ú {ÉÊ®úSÉɱÉxÉ VÉÉäÊJÉ¨É Indicator Approach for Operational Risk for computation of ½äþiÉÖ ¨ÉÚ±É ºÉÆEäòiÉEò oùι]õEòÉähÉ +{ÉxÉɪÉÉ ½èþ* Ê´ÉÊxɪÉɨÉEò +{ÉäIÉÉ Eäò +xÉÖºÉÉ®ú Risk Weighted Assets and Capital Adequacy Ratio under Basel ºÉÆ®úSÉxÉÉ/xÉÒÊiɪÉÉÆ ¤ÉxÉÉ<Ç MÉ<Ç ½éþ ÊVɺɨÉå @ñhÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ xÉÒÊiÉ, @ñhÉ II & III. In terms of regulatory requirement, the frame work/ VÉÉäÊJÉ¨É ={ɶɨÉxÉ +Éè®ú ºÉÆ{ÉÉÊ·ÉÇEò |ɤÉÆvÉxÉ xÉÒÊiÉ, ÊxÉ´Éä¶É xÉÒÊiÉ, +ÉʺiÉ näªÉiÉÉ policies are in place, which include Credit Risk Management Policy, Credit Risk Mitigation and Collateral Management |ɤÉÆvÉxÉ xÉÒÊiÉ, ºÉ¨ÉäÊEòiÉ {ÉÊ®SÉɱÉxÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ xÉÒÊiÉ,+ÉÆiÉÊ®úEò {ÉÚÆVÉÒ Policy, Investment Policy, Asset Liability Management Policy, {ɪÉÉÇ{iÉiÉÉ ÊxÉvÉÉÇ®úhÉ |ÉÊGòªÉÉ (+É<ǺÉÒBB{ÉÒ), nù¤ÉÉ´É {É®úÒIÉhÉ xÉÒÊiÉ, ¨ÉÉb÷±É consolidated Operational Risk Management Policy, Internal VÉÉäÊJÉ¨É +Éè®ú ®äúË]õMÉ Ênù¶ÉÉÊxÉnæù¶É, +É<Ç]õÒ ºÉÖ®úIÉÉ xÉÒÊiÉ +ÉÊnù ¶ÉÉÊ¨É±É ½éþ* Capital Adequacy Assessment Process (ICAAP), Stress Testing Policy, Model Risk & Rating Guidelines, IT Security Policy etc.

EòɪÉÉÇÊx´ÉiÉ +xªÉ |ɨÉÖJÉ {ɽ±Éå Other major initiatives undertaken

• ¤ÉéEò ¨Éå =tÉäMÉ ¨Éå ºÉ´ÉÉækÉ¨É VÉÉÊJÉ¨É {ÉÊ®ú{ÉÉÊ]õªÉÉÆ +Éè®ú ºÉƺEÞòÊiÉ Ê´ÉEòʺÉiÉ  In order to impart the industry best risk practices and culture Eò®úxÉä ½äþiÉÖ 35 ¨ÉÆb÷±ÉÒªÉ VÉÉäÊJÉ¨É +ÊvÉEòÉÊ®úªÉÉå ½äþiÉÖ +É<Ç+É<ǤÉÒB¡ò Eäò in Bank, one workshop in association with IIBF was

31 ºÉ½þªÉÉäMÉ ºÉä EòÉä±ÉEòÉiÉÉ ¨Éå 12 +Éè®ú 13 ¡ò®ú´ÉÉ®úÒ EòÉä BEò EòɪÉǶɱÉÉ EòÉ conducted for the 35 Zonal Risk Officers at Kolkata on12th +ɪÉÉäVÉxÉ ÊEòªÉÉ MɪÉÉ* and 13th February, 2018. • ½þ¨ÉÉ®äú ¤ÉéEò ¨Éå VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ½äþiÉÖ |ɪÉÖHò ºÉÆ®úSÉxÉÉ, |ÉhÉÉʱɪÉÉå +Éè®ú  Bank has assigned the job of validation of the Framework, ¨ÉÉb÷±ÉÉå Eäò Ê´ÉÊvɨÉÉxªÉEò®úhÉ EòÉ EòɪÉÇ ¤ÉéEò xÉä ®úɹ]ÅõÒªÉ ¤ÉéËEòMÉ |ɤÉÆvÉxÉ Systems and Models used for Risk Management in our Bank ºÉƺlÉÉxÉ, {ÉÖhÉä EòÉä ºÉÉé{ÉÉ ½èþ* Ê´ÉÊvɨÉÉxªÉEò®úhÉ |ÉÊGòªÉÉ BxÉ+É<ǤÉÒB¨É uùÉ®úÉ to National Institute of Bank Management, Pune. The ºÉ¡ò±ÉiÉÉ{ÉÚ´ÉÇEò {ÉÚ®úÒ EòÒ MÉ<Ç ½èþ* validation process has been successfully completed by NIBM.

• ¤ÉéEò ¨Éå |ÉÊiɹ`ööÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ xÉÒÊiÉ, ºÉ¨ÉÚ½þ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ xÉÒÊiÉ ±ÉÉMÉÚ  Reputation Risk Management policy, Group Risk EòÒ MÉ<Ç ½èþ* Management policy are introduced in Bank.

• {ÉÚÆVÉÒ ºÉÆ®úIÉhÉ ={ÉÉªÉ iÉlÉ BCºÉ{ÉÉäVÉ®ú |ɤÉÆvÉxÉ EòÒ ¨ÉÉÊxÉ]õË®úMÉ ½äþiÉÖ B{ºÉ Eäò  Various monitoring tools in form of Apps are developed to °ü{É ¨Éå Ê´ÉʦÉzÉ ÊxÉMÉ®úÉxÉÒ ºÉÉvÉxÉ Ê´ÉEòʺÉiÉ ÊEòB VÉÉiÉä ½éþ* monitor the capital conservation measures and exposure management.

• Ê´ÉʦÉzÉ {Éè®úɨÉÒ]õ®úÉå, ªÉlÉÉ ºÉEò±É MÉè®ú-ÊxÉÊvÉEò BCºÉ{ÉÉäVÉ®ú, @ñhÉ EòÒ ¦ÉÉÊ®úiÉ  Risk limits on various parameters, like aggregate non-fund +ÉèºÉiÉ {ÉÊ®ú{ÉC´ÉiÉÉ, ªÉÉäVÉxÉÉMÉiÉ Ê®ú]äõ±É @ñhÉ, EÞòÊ¹É @ñhÉ, B¨ÉBºÉB¨É<Ç exposure, weighted average maturity of loan, schematic @ñhÉ +Éè®ú ºÉÆ{ÉÉÊ·ÉÇEò |ÉÊiɦÉÚ欃 Eäò ºÉƤÉÆvÉ ¨Éå ¤ÉéEò xÉä Ê´ÉʦÉzÉ ¦ÉÉèMÉÉäʱÉEò Retail loans, Agriculture loans, MSME loans and collateral IÉjÉÉå EòÉä ¶ÉÉÊ¨É±É Eò®úiÉä ½ÖþB VÉÉäÊJÉ¨É ºÉÒ¨ÉÉBÆ ÊxÉvÉÉÇÊ®úiÉ EòÒ ½éþ* security are fixed by the Bank covering different geographical areas. • {ÉÊ®SÉɱÉxÉ VÉÉäÊJÉ¨É EòÒ ¤Éä½iÉ® ÊxÉMÉ®ÉxÉÒ +Éè® ÊxɪÉÆjÉhÉ ½äiÉÖ ¤ÉéEò ¨Éå nä¶É  System generated Key Risk Indicators (KRI) for all the EòÒ ºÉ¦ÉÒ ¶ÉÉJÉÉ+Éå ½äiÉÖ ÊºÉº]¨É VÉxÉ®ä]äb ¨ÉÖJªÉ VÉÉäÊJÉ¨É ºÉÆEäòiÉEò branches across the country have been introduced in Bank (Eäò+É®+É<Ç) ±ÉÉMÉÚ ÊEòB MÉB ½é* for better monitoring and control of Operational Risk.

•

SÉ. +ÉÆiÉÊ®Eò ÊxɪÉÆjÉhÉ |ÉhÉɱÉÒ +Éè® =ºÉEòÒ {ɪÉÉÇ{iÉiÉÉ F. Internal Control System and their Adequacy i. @ñhÉ ÊxÉMÉ®úÉxÉÒ i. Credit Monitoring ¤ÉéEò ºÉƶÉÉäÊvÉiÉ ¦ÉÉÊ®ú¤Éé Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú JÉÉiÉÉå EòÉä BºÉB¨ÉB ¨Éå ´ÉMÉÔEÞòiÉ Eò®ú ®ú½þÉ ½èþ +Éè®ú iÉnùxÉÖºÉÉ®ú ºÉÒ+É®ú+É<ÇB±ÉºÉÒ EòÉä Ê®ú{ÉÉä]Çõ Eò®ú ®ú½þÉ The Bank is classifying accounts into SMA as per the revised RBI guidelines and reporting them on CRILC accordingly. ½èþ* BºÉB¨ÉB-0 ºiÉ® ºÉä ½þÒ JÉÉiÉÉå EòÒ ¨ÉÉÊxÉ]õË®úMÉ EòÒ VÉÉiÉÒ ½èþ* ¶ÉÉJÉÉBÆ/ Monitoring of accounts is done right from SMA-0 level. The EòɪÉÉÇ±ÉªÉ Ê´ÉʦÉzÉ @ñhÉ ¨ÉÉÊxÉ]õË®úMÉ ºÉÉvÉxÉÉå Eäò |ɪÉÉäMÉ Eäò ¨ÉÉvªÉ¨É ºÉä @ñhÉ Branches / offices are continuously followed up for stepping ¨ÉÉÊxÉ]õË®úMÉ ¨Éå MÉÊiÉ ±ÉÉxÉä ½äþiÉÖ ºÉiÉiÉ +xÉÖ´ÉiÉÔ EòÉ®Çú´ÉÉ<Ç Eò®ú ®ú½äþ ½éþ VÉèºÉä ªÉÚÊxÉ]õ up credit monitoring through use of various credit monitoring EòÉ nùÉè®úÉ, º]õÉìEò Ê´É´É®úhÉ, b÷Ò{ÉÒ ÊxÉvÉÉÇ®úhÉ, º]õÉìEò ºÉiªÉÉ{ÉxÉ, +ÆÊiÉ¨É ={ɪÉÉäMÉ tools such as Unit Visit, Stock statement & DP assessment, EòÉ ºÉiªÉÉ{ÉxÉ, |ÉÊiɦÉÚÊiÉ EòÉ nùÉè®úÉ +Éè®ú ¨ÉÚ±ªÉÉÆEòxÉ, CªÉÚ+É<ÇBºÉ ¨ÉÉÊxÉ]õË®úMÉ, Stock verification, End use verification, Security Visit & JÉÉiÉä EòÉ ´ªÉ´É½þÉ®ú, º]õÉìEò ±ÉäJÉÉ{É®úÒIÉÉ, @ñhÉ ºÉ¨ÉÒIÉÉ iÉÆjÉ, +É´ÉÊvÉEò Ê´ÉÊvÉEò Valuation, QIS monitoring, Conduct of account, Stock Audit, Loan review Mechanism, Periodic Legal Audit, Inspection & ±ÉäJÉÉ{É®úÒIÉÉ, ÊxÉ®úÒIÉhÉ +Éè®ú ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉÉ, ºÉÒ+É®ú+É<ÇB±ÉºÉÒ, nèùÊxÉEò Concurrent Audit, CRILC, Daily SMA tracking, Early Warning BºÉB¨ÉB ]ÅäõËEòMÉ, {ÉÚ´ÉÇ SÉäiÉÉ´ÉxÉÒ ºÉÆEäòiÉ +ÉÊnù* Signals, etc.

|ɱÉäJÉÉå EòÒ VÉÉÆSÉ +Éè®ú ºÉiªÉÉ{ÉxÉ Eò®úxÉä iÉlÉÉ +ÊxɪÉʨÉiÉiÉÉ+Éå, ªÉÊnù EòÉä<Ç ½þÉä, Document Electronic Verification & Archival (DeVA) is used EòÉä nÚù®ú Eò®úxÉä ½äþiÉÖ {ÉÚ´ÉÇ-ºÉÆÊ´ÉiÉ®úhÉ ºÉÉvÉxÉ Eäò °ü{É ¨Éå |ɱÉäJÉ <±ÉäC]ÅõÉÊxÉEò as a pre -disbursement tool to check & verify documentation ºÉiªÉÉ{ÉxÉ +Éè®ú +ÉÌEò´É±É (näù´ÉÉ) EòÉ |ɪÉÉäMÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* B±ÉBB¨É{ÉÒ BEò & to weed out irregularities if any. LAMP is another online post- +xªÉ +ÉxɱÉÉ

¤ÉéEò ºÉ¨ÉªÉ ºÉ¨ÉªÉ {É® ¦ÉÉÊ®¤Éé uÉ®É VÉÉ®Ò Eäò´ÉÉ<ǺÉÒ +Éè® BB¨ÉB±É Ên¶ÉÉÊxÉnæ¶ÉÉå The Bank strictly observes KYC and AML guidelines issued EòÉ ºÉJiÉÒ ºÉä +xÉÖ{ÉɱÉxÉ Eò®iÉÉ ½è +Éè® ¤ÉéEò uÉ®É Eäò´É±É Eäò´ÉÉ<ǺÉÒ +xÉÖ{ÉÉʱÉiÉ by RBI from time to time and only KYC compliant customers OÉɽEòÉå EòÉä º´ÉÒEòÉ® ÊEòªÉÉ VÉÉiÉÉ ½è* BEò +{ÉOÉäbäb BB¨ÉB±É ºÉÉ}]´ÉäªÉ® are accepted by the Bank. An upgraded AML Software has ºÉƺlÉÉÊ{ÉiÉ ÊEòªÉÉ MɪÉÉ ½è VÉÉä ´ÉÉSÉ Ê±Éº] ºEäòËxÉMÉ, OÉɽEòÉå EòÒ {ɽSÉÉxÉ EòÉ been installed which enables watch list scanning, verifies ºÉiªÉÉ{ÉxÉ, +Éè® ºÉÆÊnMvÉ º´É°ü{É Eäò ±ÉäxÉnäxÉ EòÒ ºÉÆ´ÉÒIÉÉ ½äiÉÖ º´ÉSÉÉʱÉiÉ +±É]Ç customer identity and facilitates generation of automated alerts VÉxÉ®ä¶ÉxÉ ºÉÖÊ´ÉvÉÉ ½äiÉÖ ºÉ¨ÉlÉÇ ¤ÉxÉÉiÉÉ ½è* BB¨ÉB±É ºÉÉ}]´ÉäªÉ® OÉɽEòÉå Eäò for scrutiny of transactions of suspicious nature. The "AML “ ’’ Software" generates system-based STR alerts on the basis of JÉÉiÉä ¨Éå ½ÖB ±ÉäxÉnäxÉ Eäò +ÉvÉÉ® {É® ʺɺ]¨É-+ÉvÉÉÊ®iÉ BºÉ]Ò+É® +±É]Ç transactions in the accounts of the customers is in place. The VÉxÉ®ä] Eò®iÉÉ ½è* +É<ǤÉÒB EòɪÉÇn±É EòÒ ÊºÉ¡òÉÊ®¶É Eäò +xÉÖºÉÉ® +ÊiÉÊ®CiÉ scope has been further widened with addition of more alert +±É]Ç {ÉÊ®¦ÉɹÉÉ+Éå EòÒ ºÉƦÉÉ´ÉxÉÉ EòÉä +Éè® ´ªÉÉ{ÉEò ¤ÉxÉɪÉÉ MɪÉÉ ½è* +xÉxªÉ°ü{É definitions as per recommendations of IBA working group. ºÉä BB¨ÉB±É ºÉɱªÉÚ¶ÉxÉ ¨Éå VÉxÉ®ä] ±ÉäxÉnäxÉÉå/+±É]Ç EòÒ ¨ÉÉÊxÉ]Ë®MÉ +Éè® ºÉÆÊnMvÉ Central Transaction Monitoring Team (AML & KYC Cell) is {ÉÉB VÉÉxÉä {É® BºÉ]Ò+É® nÉÊJÉ±É Eò®xÉä ½äiÉÖ +É{ÉEäò ¤ÉéEò Eäò |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ functioning at your Bank's Head Office for exclusive monitoring ¨Éå EåòpÒªÉ ±ÉäxÉnäxÉ ¨ÉÉÊxÉ]Ë®MÉ n±É (BB¨ÉB±É B´ÉÆ Eäò´ÉÉ<ǺÉÒ EòIÉ) EòɪÉÇ Eò® of the transactions/alerts generated in AML Solution and filing of STRs, if found suspicious. This dedicated AML team screens ®½É ½è* BB¨ÉB±É EòÒ ºÉ¨ÉÊ{ÉÇiÉ ]Ò¨É BB¨ÉB±É uÉ®É VÉxÉ®ä] ÊEòB MÉB +±É]Ç alerts generated by the AML software, scrutinizes and submit EòÒ VÉÉÆSÉ Eò®iÉÒ ½è, ºÉÆ´ÉÒIÉÉ Eò®iÉÒ ½è +Éè® ºÉÆÊnMvÉ ±ÉäxÉnäxÉ Ê®{ÉÉä]Ç (BºÉ]Ò+É®) Suspicious Transaction Reports (STRs) to the Financial ¡òÉxÉåÊ¶ÉªÉ±É <Æ]ä±ÉÒVÉåºÉ ªÉÖÊxÉ]-<ÆÊbªÉÉ (B¡ò+É<ǪÉÚ-+É<ÇBxÉbÒ) EòÉä |ɺiÉÖiÉ Intelligence Unit-India (FIU-IND). Off-line STRs for attempted Eò®iÉÒ ½è* ¶ÉÉJÉÉ ºiÉ® {É® ÊEòB MÉB ±ÉäxÉnäxÉÉå Eäò ºÉÉlÉ ºÉÉlÉ Ê´ÉÊvÉ |É´ÉiÉÇxÉ transactions at Branch level as well as STRs on the basis of BVÉåʺɪÉÉå/ºÉ¨ÉÉSÉÉ® {ÉjÉÉå EòÒ Ê®{ÉÉä]ÉäÈ ºÉä ºÉÚSÉxÉÉ Eäò +ÉvÉÉ® {É® ¦ÉÒ +É¡ìò- information from Law Enforcing Agencies/New Paper Reports ±ÉÉ

33 iii. +ÉÆiÉÊ®Eò +Éè® |ɤÉÆvÉxÉ ±ÉäJÉÉ{É®ÒIÉÉ iii. Internal and Management Audit VÉÉäÊJÉ¨É +ÉvÉÉÊ®úiÉ +ÉÆiÉÊ®úEò ±ÉäJÉÉ{É®úÒIÉÉ +Éè®ú VÉÉäÊJÉ¨É +ÉvÉÉÊ®úiÉ ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉÉ Eäò EòɪÉÉÇx´ÉªÉxÉ Eò®úxÉä ºÉä ¶ÉÉJÉÉ+Éå Eäò VÉÉäÊJÉ¨É |ÉÉä¡òÉ<±É Eäò On implementation of Risk Based Internal Audit & Risk Based Concurrent Audit, the Annual Audit Plan is prepared as per +xÉÖºÉÉ®ú ´ÉÉ̹ÉEò ±ÉäJÉÉ{É®úÒIÉÉ ªÉÉäVÉxÉÉ iÉèªÉÉ®ú EòÒ VÉÉiÉÒ ½èþ* ±ÉäJÉÉ{É®úÒIÉÉ the Risk profile of the branches. The audit resources are ºÉƺÉÉvÉxÉÉå EòÉä =SSÉ VÉÉäÊJÉ¨É IÉäjÉ ½äþiÉÖ |ÉÉlÉʨÉEòiÉÉ nùÒ MÉ<Ç ½èþ* ªÉ½þ ¤ÉéEò prioritized towards high risk areas. This provides a reasonable {ÉÊ®úSÉɱÉxÉ ¨Éå VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ +Éè®ú ÊxɪÉÆjÉhÉ føÉÆSÉä EòÒ {ɪÉÉÇ{iÉiÉÉ +Éè®ú EòÉ®úMÉ®úiÉÉ assurance to the Board and Top Management about the Eäò ¤ÉÉ®äú ¨Éå ¤ÉÉäbÇ÷ +Éè®ú ¶ÉÒ¹ÉÇ |ɤÉÆvÉxÉ EòÉä =ÊSÉiÉ +É·ÉɺÉxÉ |ÉnùÉxÉ Eò®úiÉÉ ½èþ* adequacy and effectiveness of the Risk Management and Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ {ÉÚ®äú näù¶É ¨Éå 2426 ¶ÉÉJÉÉBÆ +ÉÆiÉÊ®úEò ÊxÉ®úÒIÉhÉ control framework in the Bank's operations. 2426 Branches Eäò +vªÉvÉÒxÉ lÉÓ* ½þ¨ÉxÉä VÉÉäÊJÉ¨É +ÉvÉÉÊ®úiÉ ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉÉ(+É®ú¤ÉÒºÉÒB) across the country were subjected to internal inspection during EòÉä EòɪÉÉÇÎx´ÉiÉ ÊEòªÉÉ ½èþ, ÊVɺɨÉå ½þ¨ÉÉ®úÒ 1144 ¶ÉÉJÉÉBÆ ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉÉ FY 2018. We have implemented the Risk Based Concurrent Audit (RBCA) wherein our 1144 Branches are under Eäò +ÆiÉMÉÇiÉ lÉÓ VÉÉä ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ 70% Eäò Eò´É®äúVÉ Eäò ºÉÉ{ÉäIÉ ½þ¨ÉÉ®äú EÖò±É ´ªÉ´ÉºÉÉªÉ Eäò 77.30 EòÉä ¶ÉÉÊ¨É±É Eò®úiÉÒ ½èþ* ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉÉ Concurrent Audit covering 77.30% of our total business, as % against 70% coverage stipulated by RBI. By convergence of +Éè®ú +ÉÆiÉÊ®úEò ÊxÉ®úÒIÉhÉ EòÒ +ʦɨÉÖJÉiÉÉ uùÉ®úÉ ªÉ½þ ºÉÖÊxÉζSÉiÉ ÊEòªÉÉ VÉÉiÉÉ Concurrent Audit & Internal Inspection, it is ensured that all ½èþ ÊEò ºÉ¦ÉÒ +ÆiÉÌxÉʽþiÉ VÉÉäÊJɨÉÉå EòÉ º´ÉÒEòɪÉÇ ºiÉ®úÉå Eäò +Ænù®ú |ɤÉÆvÉxÉ ½þÉä the inherent risks are managed within the acceptable levels. VÉÉB* ½þ¨ÉÉ®äú ºÉ¦ÉÒ 49 ¨ÉÆb÷±É, 8 B¡òVÉÒB¨É EòɪÉÉÇ±ÉªÉ +Éè®ú +xªÉ EòɪÉÉÇ±ÉªÉ nùÉä ´É¹ÉÇ All our 49 Zones, 8 FGM Offices & other offices are subjected ¨Éå BEò ¤ÉÉ®ú |ɤÉÆvÉxÉ ±ÉäJÉÉ{É®úÒIÉÉ Eäò +vªÉvÉÒxÉ ½èþ* to management audit once in two years. ´ªÉ´ÉºÉÉªÉ {ÉÊ®úSÉɱÉxÉ Eäò ʴɽÆþMÉɴɱÉÉäEòxÉ ½äþiÉÖ |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ +Éè®ú Ê´ÉʦÉzÉ Offsite Monitoring Cell at Head Office, FGM Offices & different ¨ÉÆb÷±ÉÉå ¨Éå +É¡òºÉÉ<]õ ¨ÉÉÊxÉ]õË®úMÉ EòIÉ EòɪÉÇ®úiÉ ½éþ* <ºÉ EòIÉ EòÒ ºÉƦÉÉ´ÉxÉÉ Zones have been in operation to keep a track of business +Éè®ú Eò´É®äúVÉ EòÉä ºÉÆ®úÊSÉiÉ +Éè®ú ´ªÉÉ{ÉEò ¤ÉxÉɪÉÉ MɪÉÉ ½èþ* EòIÉ +¤É ¨É½þi´É{ÉÚhÉÇ operations with a bird's eye view. The scope and coverage of ¨ÉnùÉå Eäò ºÉƤÉÆvÉ ¨Éå B¨É+É<ÇBºÉ EòÒ ºÉ¨ÉÒIÉÉ Eò®úiÉÉ ½èþ VÉèºÉä =SSÉ ¨ÉÚ±ªÉ Eäò/ the Cell have since been structured and board based. The +ºÉɨÉÉxªÉ ±ÉäxÉnäùxÉ +Éè®ú ªÉÊnù EòÉä<Ç Ê´É{ÉlÉxÉ xÉVÉ®ú ¨Éå +ÉiÉÉ ½èþ iÉÉä ªÉä ÊxɪÉÆjÉEò Cell is reviewing the MIS on critical items like high value / EòɪÉÉDZɪÉÉå/¶ÉÉJÉÉ+Éå/ʴɦÉÉMÉÉå EòÉä ºÉÖvÉÉ®úÉi¨ÉEò EòÉ®Çú´ÉÉ<Ç Eò®úxÉä Eäò Ê´É¹ÉªÉ ¨Éå abnormal transactions and sensitizing the Controlling Offices VÉÉxÉEòÉ®úÒ näùiÉä ½èþÆ* / Branches / Departments for corrective action, if any deviation is observed. ¤ÉéEò xÉä EòÊiÉ{ÉªÉ IÉäjÉÉå EòÉä VÉÒ®úÉä ]õɱɮåúºÉ IÉäjÉ £òÉb÷ ºÉåʺÉÊ]õ´É IÉäjÉ Eäò °ü{É ‘ ’ ‘ ’ The Bank has also identified certain areas as 'Zero Tolerance ¨Éå ÊxÉvÉÉÇÊ®úiÉ ÊEòªÉÉ ½èþ* <ºÉºÉä ¶ÉÉJÉÉ+Éå ¨Éå |ÉhÉɱÉÒ +Éè®ú ÊxɪÉÆjÉhÉ ¨Éå +Éè®ú Areas' & 'Fraud Sensitive Area'. These will foster and ensure ¨ÉVɤÉÚiÉÒ ºÉÖÊxÉζSÉiÉ Eò®úxÉä Eäò ºÉÉlÉ-ºÉÉlÉ SÉÚEò +Éè®ú +ÊxɪÉʨÉiÉiÉÉ+Éå EòÉä further robustness of the system and control in the branches xªÉÚxÉiÉ¨É ºiÉ®ú {É®ú ±ÉÉxÉä ¨Éå ¨Énùnù ʨɱÉMÉÒ* ÊxÉ®úÒIÉhÉ xÉÒÊiÉ, +É®ú¤ÉÒ+É<ÇB as well as to keep the lapses and irregularities at minimum ¨ÉÉb÷¬Ú±É, |ɤÉÆvÉxÉ ±ÉäJÉÉ{É®úÒIÉÉ ¡òɨÉæ]õ +Éè®ú VÉèb÷+É<ǺÉÒ ¡òɨÉæ]õ EòÉä {ÉÊ®úSÉɱÉxÉ level. Inspection Policy, RBIA Module, Management Audit VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ uùÉ®úÉ ºÉƶÉÉäÊvÉiÉþ/ºÉ¨ÉÒÊIÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ* format & ZIC format have been modified / reviewed by the Operational Risk Management Committee.

½þ¨ÉÉ®äú ºÉ¦ÉÒ ÊxÉ®úÒIÉhÉ +ÊvÉEòÉÊ®úªÉÉå EòÉä ´É¹ÉÇ ¨Éå BEò ¤ÉÉ®ú {ÉÖxɶSɪÉÉÇ {ÉÉ`ööö¬Gò¨É All our Inspecting Officials are subjected to a refresher course Eò®úɪÉÉ VÉÉiÉÉ ½èþ* <ºÉÒ |ÉEòÉ®ú ½þ¨ÉÉ®äú ºÉ¦ÉÒ ºÉ¨É´ÉiÉÔ ±ÉäJÉÉ{É®úÒIÉEòÉå EòÉä ¦ÉÒ once in a year. Similarly, all our Concurrent Auditors are also ¨ÉÆb÷±ÉÉå/|ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ Eäò ¶ÉÒ¹ÉÇ EòɪÉÇ{ÉɱÉEòÉå uùÉ®úÉ ºlÉÉxÉÒªÉ ºÉÆ´ÉÉnù¨ÉÚ±ÉEò given interactive locational training by top management from |ÉʶÉIÉhÉ ÊnùªÉÉ VÉÉiÉÉ ½èþ* Zones / Head Office. |ÉhÉɱÉÒ ¨Éå {ɪÉÉÇ{iÉ +Éè®ú MÉÖhÉ´ÉkÉÉ{É®úEò VÉxɶÉÊHò ÊxɪÉÉäÊVÉiÉ Eò®úiÉä ½ÖþB ½þ¨ÉÉ®úÒ All efforts are being made to strengthen our Inspection & Audit ÊxÉ®úÒIÉhÉ +Éè®ú ±ÉäJÉÉ{É®úÒIÉÉ EòɪÉÇ EòÉä ºÉÖoùgø Eò®úxÉä EòÉ |ɪÉÉºÉ ÊEòªÉÉ VÉÉ ®ú½þÉ function by deploying adequate & quality man power in the ½èþ* system. iv. +xÉÖ{ÉɱÉxÉ iv. Compliance

|ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ ¨Éå +xÉÖ{ÉɱÉxÉ EòIÉ ={É ¨É½É|ɤÉÆvÉEò ®éEò Eäò ¨ÉÖJªÉ +xÉÖ{ÉɱÉxÉ The Compliance Cell at Head Office is headed by Chief +ÊvÉEòÉ®Ò (ºÉÒºÉÒ+Éä) EòÒ +vªÉIÉiÉÉ ¨Éå MÉÊ`ööiÉ ½è ÊVɺÉä ¤ÉéEò Eäò +xÉÖ{ÉɱÉxÉ Compliance Officer in the rank of Deputy General Manager VÉÉäÊJÉ¨É EòÒ {ɽSÉÉxÉ +Éè® |ɤÉÆvÉxÉ Eò®xÉä iÉlÉÉ ¤ÉéEò Eäò º]É¡ò Eäò +xÉÖ{ÉɱÉxÉ who has been entrusted with overall responsibilities of Eäò {ɪÉÇ´ÉäIÉhÉ EòÉ ºÉ¨ÉOÉ nÉʪÉi´É ºÉÉé{ÉÉ MɪÉÉ ½è* ¦ÉÉÊ®¤Éé Eäò Ên¶ÉÉÊxÉnæ¶ÉÉå Eäò coordinating identification and management of Compliance +xÉÖºÉÉ® BEò ´ªÉÉ{ÉEò +xÉÖ{ÉɱÉxÉ xÉÒÊiÉ ¤ÉxÉÉ<Ç MÉ<Ç ½è +Éè®ú +xÉÖ{ÉɱÉxÉ ¨ÉèxªÉÖ+±É risk of the bank and supervising the compliance staff bank iÉèªÉÉ®ú ÊEòªÉÉ MɪÉÉ ½èþ* ¤ÉéEò EòÒ +xÉÖ{ÉɱÉxÉ xÉÒÊiÉ Eäò +xÉֺɮhÉ ¨Éå ¤ÉéEò xÉä BEò wide. A comprehensive Compliance policy & Compliance º´ÉiÉÆjÉ +xÉÖ{ÉɱÉxÉ ºÉÆ®SÉxÉÉ MÉÊ`ööiÉ EòÒ ½è VÉÉä ¤ÉéEò Eäò PÉ®ä±ÉÚ +Éè® Ê´Énä¶ÉÒ manual in line with RBI Guidelines has been put in place. In {ÉÊ®SÉɱÉxÉÉå, nÉäxÉÉäÆ EòÉä Eò´É® Eò®iÉÒ ½è* ¤ÉéEò EòÒ +xÉÖ{ÉɱÉxÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ pursuance of Bank's compliance policy, bank has instituted an independent Compliance structure which covers both xÉÒÊiÉ Eäò +xÉÖºÉÉ® ¶ÉÉJÉÉ, ÊxɪÉÆjÉEò EòɪÉÉÇ±ÉªÉ Eäò |ɨÉÖJÉ +Éè® |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ domestic and overseas operations of the Bank. In terms of ¨Éå ʴɦÉÉMÉÉå Eäò |ɨÉÖJÉ EòÉä ¤ÉéEò Eäò +xÉÖ{ÉɱÉxÉ EòɪÉÇ EòÒ näJÉ®äJÉ ½äiÉÖ xÉɨÉÉäÊq¹] bank's Compliance Risk Management Policy, Heads of ÊEòªÉÉ MɪÉÉ ½è* ¤ÉéEò Ê´ÉÊxɪÉɨÉEò Ên¶ÉÉÊxÉnæ¶ÉÉå Eäò MÉè®-+xÉÖ{ÉɱÉxÉ ¨Éå ¶ÉÚxªÉ branches, controlling offices and Heads of departments at HO ºÉ½xɶÉÒ±ÉiÉÉ xÉÒÊiÉ ½äiÉÖ |ÉÊiɤÉr ½è +Éè® Ê´ÉÊxɪÉɨÉEòÉå/±ÉäJÉÉ{É®ÒIÉEòÉå Eäò have been designated as Compliance Officer to look after the |ÉäIÉhÉÉå EòÉä |ÉÉlÉʨÉEòiÉÉ Eäò +vÉÉ® {É® ÊxɺiÉÉÊ®iÉ ÊEòªÉÉ VÉÉiÉÉ ½è* <ºÉEäò Compliance functions of the Bank. The Bank is committed to +ÊiÉÊ®CiÉ Ê´ÉʦÉxxÉ ºiÉ®Éå {É® +xÉÖ{ÉɱÉxÉ EòɪÉÇ +Éè® Ê®{ÉÉäË]ÇMÉ iÉÆjÉ Eäò ºÉÖ{ÉÊ®¦ÉÉʹÉiÉ the policy of zero tolerance with respect to non-compliance IÉäjÉÉå Eäò ºÉÉlÉ ºÉÖog +xÉÖ{ÉɱÉxÉ ºÉÆ®SÉxÉÉ ºlÉÉÊ{ÉiÉ EòÒ MÉ<Ç ½è* ¤ÉéEò Eäò with regulatory guidelines and observations of regulators/

34 ´ªÉÉ{ÉEò +xÉÖ{ÉɱÉxÉ EòɪÉÇ EòÒ +É´ÉÊvÉEò ºÉ¨ÉÒIÉÉ EòÒ VÉÉiÉÒ ½è +Éè® Ê´ÉºiÉÞiÉ auditors are redressed on priority basis. Further, a robust Ê®{ÉÉä]Ç ºÉÚSÉxÉÉ +Éè® +ɴɶªÉEò ÊxÉnæ¶ÉÉå ½äiÉÖ ¤ÉÉäbÇ/¤ÉÉäbÇ EòÒ ±ÉäJÉÉ{É®ÒIÉÉ ºÉʨÉÊiÉ/ compliance structure with well defined areas of compliance ´ÉÊ®¹`öö |ɤÉÆvÉxÉ EòÉä |ɺiÉÖiÉ EòÒ VÉÉiÉÒ ½è* ºÉ¦ÉÒ |ɪÉÉäVªÉ Ê´ÉÊvɪÉÉå, Ê´ÉÊxɪÉɨÉEò functions and reporting mechanism have been established at Ên¶ÉÉÊxÉnæ¶ÉÉå +Éè® ºÉ´ÉÉäÇiiÉ¨É {ÉÊ®{ÉÉ]Ò EòÉäb +ÉÊn Eäò ={ɤÉÆvÉÉå EòÉ +xÉÖ{ÉɱÉxÉ various levels. Bank wide Compliance functions are reviewed ºÉÖÊxÉʶSÉiÉ Eò®xÉä ½äiÉÖ +{ÉäÊIÉiÉ |ÉhÉÉʱɪÉÉÆ +Éè® |ÉÊGòªÉÉÊ´ÉÊvɪÉÉÆ ÊxÉvÉÉÇÊ®iÉ EòÒ periodically and comprehensive report is placed to Board/ Audit Committee of the Board/ Senior Management for MÉ<Ç ½é* ¤ÉéEò EòÒ xÉÒÊiÉ Eäò +xÉÖºÉÉ® +xÉÖ{ÉɱÉxÉ EòIÉ +É´ÉÊvÉEò °ü{É ºÉä information and necessary directions. Requisite systems and ¶ÉÉJÉÉ+Éå +Éè® |ÉvÉÉxÉ EòɪÉÉDZɪÉÉå Eäò ʴɦÉÉMÉÉå ¨Éå Ê´ÉÊxɪÉɨÉEò Ên¶ÉÉÊxÉnæ¶ÉÉå +Éè® procedures have been devised to ensure compliance with the ¤ÉéEò Eäò +ÉÆiÉÊ®Eò Ên¶ÉÉÊxÉnæ¶ÉÉå Eäò +xÉÖ{ÉɱÉxÉ EòÒ VÉÉÆSÉ +Éè® ºÉiªÉÉ{ÉxÉ uÉ®É provisions of all applicable laws, regulatory guidelines and Best +xÉÖ{ÉɱÉxÉ ±ÉäJÉÉ{É®ÒIÉÉ ºÉÆSÉÉʱÉiÉ Eò®iÉÉ ½è* ¦ÉÉÊ®¤Éé xÉä 01.04.2017 ºÉä ¤ÉéEò Practices Codes, etc. Compliance Cell conducts compliance ¨Éå VÉÉäÊJÉ¨É +ÉvÉÉÊ®iÉ {ɪÉÇ´ÉäIÉhÉ ¶ÉÖ¯ ÊEòªÉÉ ½è +Éè® +xÉÖ{ÉɱÉxÉ EòIÉ ¦ÉÉÊ®¤Éé Eäò audit by testing and verifying the compliance of regulatory Ê´ÉÊxɪÉɨÉEò Ên¶ÉÉÊxÉnæ¶ÉÉå EòÒ +xÉÖ{ÉɱÉxÉ ±ÉäJÉÉ{É®ÒIÉÉ Eò®iÉÉ ½è +Éè® ¤ÉéEò directives and Bank's internal guidelines in branches and Head 200 Office departments periodically as per Bank's policy. RBI has Eäò +xÉÖ{ÉɱÉxÉ EòÒ ÎºlÉÊiÉ ¦ÉÉÊ®¤Éé EòÉä ]ÅåSÉ*** Ê®{ÉÉä]Ç Eäò ¨ÉÉvªÉ¨É ºÉä |ɺiÉÖiÉ rolled out Risk Based Supervision in our Bank from w.e.f. Eò®iÉÉ ½è* 01.04.2017 and Compliance Cell conducted compliance audit of 200 regulatory directives of RBI and submitted the compliance position of the Bank through Tranche III report to RBI. ºÉiÉEÇòiÉÉ v. v. Vigilance

¤ÉéEò ºÉʽþiÉ ÊEòºÉÒ ¦ÉÒ ºÉÆMÉ`ööxÉ ¨Éå ºÉiÉEÇòiÉÉ |ɤÉÆvÉxÉ EòÉ +ʦÉzÉ +ÆMÉ ½þÉäiÉÒ ½èþ* Vigilance in any organization including Bank is an integral part ºÉiÉEÇòiÉÉ MÉÊiÉÊ´ÉÊvÉ EòÉ =qäù¶ªÉ ºÉÆMÉ`ööxÉ Eäò |ÉEòɪÉÉç EòÉä +¶ÉHò ¤ÉxÉÉxÉÉ xɽþÓ of management. The objective of vigilance activity is not to +Ê{ÉiÉÖ ÊxÉhÉÇªÉ ±ÉäxÉä ¨Éå nùIÉiÉÉ +Éè®ú |ɦÉɴɶÉÉʱÉiÉÉ ¤ÉgøÉxÉÉ ½èþ* ºÉÆMÉ`ööxÉ Eäò cripple the functioning of the organisation but to enhance its ºÉ¨ÉOÉ Ê´ÉEòÉºÉ Eäò ʱÉB |ɦÉÉ´ÉÒ ºÉiÉEÇòiÉÉ +{ÉäÊIÉiÉ ½èþ* ¤ÉéEò OÉɽþEò Eäò vÉxÉ Eäò efficiency and effectiveness in decision making. Effective +ʦɮúIÉEò Eäò °ü{É ¨Éå EòɪÉÇ Eò®úiÉÉ ½èþ +Éè®ú nÚùºÉ®úÒ +Éä®ú =Hò ÊxÉÊvɪÉÉÆ Ê´ÉʦÉzÉ vigilance is required for overall growth of an organisation. Bank ¸ÉähÉÒ Eäò =vÉÉ®úEòiÉÉÇ+Éå EòÉä @ñhÉ näùEò®ú VÉÉäÊJÉ¨É =`ööÉiÉÉ ½èþ* nùÉä +iªÉÆiÉ Ê¦ÉzÉ functions as custodian of customers' money, and on the other hand, undertakes risk by lending the said fund to different |ÉEòɪÉÉç EòÒ ¨ÉÉèVÉÚnùMÉÒ ½þÉäxÉä ºÉä ºÉÆMÉ`ööxÉ ¨Éå BEò VÉÒ´ÉxiÉ +Éè®ú ºÉiÉEÇò |ÉhÉɱÉÒ category of borrowers. The existence of two very different +{ÉäÊIÉiÉ ½þÉäiÉÒ ½èþ* BEò EòÉ®úMÉ®ú ºÉiÉEÇòiÉÉ |ÉhÉɱÉÒ xÉ Eäò´É±É Ê´ÉkÉÒªÉ IÉ®úhÉ ºÉä functions requires a vibrant and vigilant system in the ºÉÖ®úIÉÉ |ÉnùÉxÉ Eò®úiÉÒ ½èþ +Ê{ÉiÉÖòºÉÆMÉ`ööxÉ EòÒ ±ÉɦÉÉVÉÇxÉ IɨÉiÉÉ ¦ÉÒ ¤ÉgøÉiÉÒ ½èþ* organisation. An effective vigilance set up not only provides ªÉ½þ |ɤÉÆvÉxÉ EòÒ nùIÉiÉÉ ¤ÉgøÉxÉä EòÉ EòÉ®úMÉ®ú ºÉÉvÉxÉ ½èþ, ʽþiÉvÉÉ®úEòÉå ¨Éå Ê´É·ÉÉºÉ guard against financial erosions, but also enhances the profit {ÉènùÉ Eò®úiÉÉ ½èþ +Éè®ú +{ÉxÉä ¤É½Öþ-+ɪÉɨÉÒ iÉlÉÉ ºÉiÉiÉ Ê´ÉEòÉºÉ ½äþiÉÖ +SUä earning capacity of the organisation. It is an effective tool to EòÉ®{ÉÉä®ä] MÉ´ÉxÉæºÉ EòÒ +ÉniÉ Ê´ÉEòʺÉiÉ Eò®úiÉÉ ½èþ* enhance the efficiency of the management, create confidence amongst the stakeholders and inculcate the habit of good corporate governance for its multi-dimensional and sustained growth. ºÉiÉEÇòiÉÉ §É¹]õÉSÉÉ®ú EòÒ ºÉƦÉÉ´ÉxÉÉ ´ÉɱÉä IÉäjÉÉå EòÒ {ɽþSÉÉxÉ {É®ú vªÉÉxÉ EÆòÊpùiÉ Vigilance focuses on identifying the areas prone to corruption Eò®úiÉÒ ½è +Éè®ú §É¹]õÉSÉÉ®úú EòÒ ¤ÉÖ®úÉ<Ç EòÉä ºÉ¨ÉÉ{iÉ Eò®úxÉä ½äþiÉÖþ +ÊiɺÉÊGòªÉ, and taking various proactive, participative and preventive ºÉ½þ¦ÉÉMÉÒ +Éè®ú ÊxÉ´ÉÉ®úEò ={ÉÉªÉ Eò®úiÉÒ ½èþ +Éè®ú ºÉÉlÉ ½þÒ ªÉ½þ ºÉÖÊxÉζSÉiÉ Eò®úxÉä measures to eradicate the evil of corruption and also {É®ú ¤É±É näùiÉÒ ½èþ ÊEò Ê´ÉʦÉzÉ ÊxÉ´ÉÉ®úEò ={ÉÉªÉ (SÉäEò BÆb÷ ¤Éè±ÉåºÉ) ÊEòB MÉB ½éþ emphasizes to ensure that various checks and balances are iÉlÉÉ ¤ÉéEò Eäò nèùxÉÆÊnùxÉ Eäò |ÉEòɪÉÉç ¨Éå |ÉhÉÉʱɪÉÉå +Éè®ú |ÉÊGòªÉÉÊ´ÉÊvɪÉÉå EòÉ in place and systems & procedures are observed in day to day functioning of the bank. Vigilance set up has been {ÉɱÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* ºÉiÉEÇòiÉÉ føÉÆSÉÉ §É¹]õÉSÉÉ®ú +lÉ´ÉÉ EònùÉSÉÉ®ú EòÒ examining the existing rules and procedures in areas prone to ºÉƦÉÉ´ÉxÉÉ+Éå EòÉä ºÉ¨ÉÉ{iÉ Eò®úxÉä +lÉ´ÉÉ xªÉÚxÉiÉ¨É Eò®úxÉä ½äþiÉÖ vÉÉäJÉÉvÉc÷Ò EòÒ fraud, to eliminate or minimize the scope for corruption or ºÉƦÉÉ´ÉxÉÉ ´ÉɱÉä IÉäjÉÉå ¨Éå ¨ÉÉèVÉÚnùÉ ÊxɪɨÉÉå +Éè®ú |ÉÊGòªÉÉÊ´ÉÊvɪÉÉå EòÒ VÉÉÆSÉ Eò®ú malpractices. ®ú½þÉ ½èþ* ¤ÉéEò ¨Éå vÉÉäJÉÉvÉÊc÷ªÉÉå EòÉä ®úÉäEòxÉä/{ÉÖxÉ®úÉ´ÉÞÊkÉ ºÉä ¤ÉSÉxÉä ¤ÉéEò ¨Éå ºlÉÉÊ{ÉiÉ SÉäEò BÆb÷ Various suggestions have been imparted to augment checks & balance in place in the Bank to prevent/avoid recurrence of ¤Éè±ÉåºÉ EòÉä ºÉÖoùgø Eò®úxÉä Eäò ʱÉB Ê´ÉʦÉzÉ ºÉÖZÉÉ´É EònùB MÉB ½éþ* frauds in the Bank:

• ¨ÉÖJªÉ ºÉiÉEÇòiÉÉ +ÊvÉEòÉ®úÒ uùÉ®úÉ 26.09.2017 +Éè®ú 14.02.2018  Preventive Vigilance workshops were conducted at Zonal EòÉä Gò¨É¶É: ¨ÉÆb÷±ÉÒªÉ EòɪÉÉDZɪÉ, SÉÆb÷ÒMÉgø +Éè®ú +½þ¨ÉnùɤÉÉnù ¨Éå ÊxÉ´ÉÉ®úEò Office, Chandigarh & Ahmedabad on 26.09.2017 & ºÉiÉEÇòiÉÉ EòɪÉǶÉɱÉÉBÆ +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç lÉÓ ÊVɺɨÉå ¨ÉÆb÷±É |ɨÉÖJÉ, 14.02.2018 respectively by Chief Vigilance Officer which ¨ÉÆb÷±ÉÒªÉ EòɪÉÉDZɪÉÉå Eäò +xªÉ ´ÉÊ®ú¹`ö EòɪÉÇ{ÉɱÉEòö B´ÉÆ +ÊvÉEòÉ®úÒ iÉlÉÉ were attended by Zonal Heads, other senior executives and ºlÉÉxÉÒªÉ ¶ÉÉJÉÉ |ɨÉÖJÉ ={ÉκlÉiÉ ½ÖþB* ¶ÉÉJÉÉ/EòɪÉÉDZɪÉÉå ¨Éå ÊxÉ´ÉÉ®úEò officers of Zonal Offices and local branch Heads. Emphasis was laid upon the need for holding bi-monthly meeting on ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ Êuù¨ÉÉʺÉEò ¤Éè`ööEåò +ɪÉÉäÊVÉiÉ Eò®úxÉä EòÒ +ɴɶªÉEòiÉÉ {É®ú Preventive Vigilance at branch/ offices as it is a platform for ¤É±É ÊnùªÉÉ MɪÉÉ CªÉÉåÊEò ªÉ½þ ÊxÉvÉÉÇÊ®úiÉ |ÉhÉÉʱɪÉÉå +Éè®ú |ÉÊGòªÉÉÊ´ÉÊvɪÉÉå EòÉä creating awareness about the need for adopting laid down +{ÉxÉÉxÉä EòÒ +ɴɶªÉEòiÉÉ Eäò ¤ÉÉ®äú ¨Éå VÉÉMÉ°üEòiÉÉ {ÉènùÉ Eò®úxÉä EòÉ ¨ÉÆSÉ ½èþ* systems & procedures. Various modus operandi adopted vÉÉäJÉÉvÉc÷Ò EòÒ ½þÉ±É EòÒ PÉ]õxÉÉ+Éå ¨Éå vÉÉäJÉä¤ÉÉVÉÉå uùÉ®úÉ +{ÉxÉÉ<Ç MÉ<Ç by fraudsters in recent incidents of fraud were also narrated Ê´ÉʦÉzÉ EòɪÉÇ|ÉhÉÉʱɪÉÉå Eäò ¤ÉÉ®äú ¨Éå ¤ÉiÉɪÉÉ MɪÉÉ +Éè®ú ¦ÉʴɹªÉ ¨Éå BäºÉÒ and the preventive measures to be adopted were suggested PÉ]õxÉÉ+Éå EòÒ {ÉÖxÉ®úÉ´ÉÞÊkÉ ®úÉäEòxÉä Eäò ʱÉB +{ÉxÉÉB iÉÉxÉä ´ÉɱÉä ÊxÉ´ÉÉ®úEò to prevent recurrence of such incidents in future. CVO also ={ÉÉªÉ ¦ÉÒ ºÉÖZÉÉB MÉB* ¨ÉÖJªÉ ºÉiÉEÇòiÉÉ +ÊvÉEòÉ®Òú xÉä ¨ÉÆEòÉ ±ÉÖÊvɪÉÉxÉÉ visited ZO Guwahati, ZO Lucknow & STC Lucknow apart

35 +Éè®ú ¨ÉÆEòÉ +¨ÉÞiɺɮú EòÒ +ÉèSÉEò ºÉiÉEÇòiÉÉ VÉÉÆSÉ Eäò +±ÉÉ´ÉÉ ¨ÉÆEòÉ, from conducting surprise vigilance checking of ZO Ludhiana MÉÖ´ÉɽþÉ]õÒ, ¨ÉÆEòÉ, ±ÉJÉxÉ>ð +Éè®ú BºÉ]õÒºÉÒ ±ÉJÉxÉ>ð EòÉ nùÉè®úÉ ¦ÉÒ ÊEòªÉÉ* & ZO Amritsar. • {ÉÚ®äú näù¶É ¨Éå ÊxÉ´ÉÉ®úEò ºÉiÉEÇòiÉÉ EòɪÉǶÉɱÉÉBÆ +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç lÉÓ  Preventive vigilance workshops were also held across the ÊVÉxɨÉå ºÉä 12 ¨ÉÆb÷±ÉÒªÉ EòɪÉÉDZɪÉå ¨Éå

36 (®úÉ榃 Eò®úÉäc÷ ` ¨Éå) Amount in ` crore) EÖò±É ´ªÉ´ÉºÉÉªÉ Ê´Énäù¶ÉÒ ´ªÉ´ÉºÉɪÉ

VÉ. ÊxɪÉÉäÊVÉiÉ ±ÉÉäMÉÉå EòÒ ºÉÆJªÉÉ ºÉʽþiÉ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ/+ÉètÉäÊMÉEò ºÉƤÉÆvÉ H. Material Developments in Human Resources/ Industrial Eäò ºÉ¨¨ÉÖJÉ ¨É½þi´É{ÉÚhÉÇ Ê´ÉEòÉºÉ Relations front including number of people employed

VÉxɶÉÊHò ÊxɪÉÉäVÉxÉ Manpower Planning

Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä VÉxɶÉÊHò ªÉÉäVÉxÉÉ EòÉä +ÆÊiÉ¨É °ü{É During the year 2017-18, the Bank had taken into näùiÉä ºÉ¨ÉªÉ +ɺÉzÉ ºÉä´ÉÉÊxÉ´ÉÞÊkɪÉÉå EòÒ ºÉÆJªÉÉ, ºÉƦÉÉÊ´ÉiÉ BÊ]Åõ¶ÉxÉ, xÉ<Ç ¶ÉÉJÉÉBÆ consideration, the number of impending retirements, expected JÉÖ±ÉxÉä +Éè®ú +xªÉ IÉªÉ {É®ú Ê´ÉSÉÉ®ú ÊEòªÉÉ MɪÉÉ ½èþ +Éè®ú |ÉÊGòªÉÉ ºÉ¨ÉªÉ {É®ú {ÉÚ®úÒ attrition, new Branch opening and other wastages while Eò®ú ±ÉÒ MÉ<Ç ½èþ* {ÉÉ®Æú{ÉÊ®úEò oùι]õEòÉähÉ Eäò ºÉÉlÉ {ÉÉÆSÉ ´É¹ÉÇ EòÒ +xÉÖGò¨ÉhÉ finalizing the Manpower Plan and the exercise was completed ªÉÉäVÉxÉÉ iÉèªÉÉ®ú ½èþ ÊVɺÉä +{ÉäIÉÉxÉÖºÉÉ®ú ºÉƶÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* ªÉ½þ ªÉÉäVÉxÉÉ well in time. A five year succession plan with a holistic approach ´ÉÉ̹ÉEò VÉxɶÉÊHò ªÉÉäVÉxÉÉ EòÒ Ênù¶ÉÉ ÊxÉvÉÉÇÊ®úiÉ Eò®úiÉÒ ½èþ* is in place which is modified according to the requirements. This plan sets the direction for annual Manpower Planning.

¦ÉiÉÔ ªÉÉäVÉxÉÉ Recruitment Planning

ºÉÉ´ÉvÉÉxÉÒ{ÉÚ´ÉÇEò ÊxɪÉÉäÊVÉiÉ ¶ÉÉJÉÉ/EòɪÉÉÇ±ÉªÉ ´ÉÉ®ú +{ÉäIÉÉ+Éå iÉlÉÉ ºÉä´ÉÉÊxÉ´ÉÞÊkɪÉÉå Cadre wise manpower requirement was assessed scientifically +Éè®ú +xªÉ IÉªÉ Eäò ¨ÉÉvªÉ¨É ºÉä ´ÉèYÉÉÊxÉEò {ÉÚhÉÇ iÉ®úÒEäò ºÉä ºÉÆ´ÉMÉÇ´ÉÉ®ú VÉxɶÉÊHò through a meticulously planned Branch/office wise requirement +{ÉäIÉÉ EòÉ ÊxÉvÉÉÇ®úhÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Ê{ÉUô±Éä SÉÉ®ú ´É¹ÉÉç Eäò nùÉè®úÉxÉ ¦ÉÌiɪÉÉÆ vis-à-vis retirements and other wastages. Recruitments during ÊxɨxÉÉxÉÖºÉÉ®ú ½éþ: the last four years were as under:

{Énù/ Posts 2014-15 2015-16 2016-17 2017-18

{ÉÊ®ú´ÉÒIÉÉvÉÒxÉ +ÊvÉEòÉ®úÒ({ÉÒ+Éä)/Probationary Officers (PO) 428 138 452 474

ʴɶÉä¹ÉYÉ +ÊvÉEòÉ®úÒ / Specialist Officers 101 18 145 91

EÖò±É +ÊvÉEòÉ®úÒ / Total Officers 529 156 597 565

ʱÉÊ{ÉEòÒªÉ º]õÉ¡ò / Clerical Staff 344 624 660 793

¤ÉéEò xÉä Ê´ÉkÉÒªÉ ´É¹ÉÇ 2018-19 Eäò nùÉè®úÉxÉ 300 +ÊvÉEòÉÊ®úªÉÉå +Éè®ú 300 The Bank has also initiated the process of recruiting 300 BºÉb÷¤±ªÉÚ+Éä ‘B’ EòÒ ¦ÉiÉÔ EòÒ |ÉÊGòªÉÉ ¦ÉÒ ¶ÉÖ¯û EòÒ ½èþ* officers and 300 SWO-A during the FY 2018-19. Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ +ɪÉÖ |ÉÉä¡òÉ<±É Age Profile of Employees

®úhÉxÉÒÊiÉ{É®úEò ¦ÉiÉÔ xÉÒÊiÉ xÉä EòɪÉÇ¤É±É EòÒ +ÉèºÉiÉ +ɪÉÖ ¤ÉxÉÉB ®úJÉxÉä ¨Éå ¨Énùnù The strategic manpower planning has helped the Bank to EòÒ ½èþ VÉÉä 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ 39.10 ´É¹ÉÇ ½èþ* Ê{ÉUô±Éä {ÉÉÆSÉ ´É¹ÉÉç maintain the average age of workforce at 39.10 years as on

37 ¨Éå ºÉÆ´ÉMÉÇ ´ÉÉ®ú +ɪÉÖ |ÉÉä¡òÉ<±É(´É¹ÉÉç ¨Éå) ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ:- 31.03.2018. Cadre wise age profile (in years) in the last five years was as under: 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ EòÉä ªÉlÉÉκlÉÊiÉ EòÉä ªÉlÉÉκlÉÊiÉ EòÉä ªÉlÉÉκlÉÊiÉ EòÉä ªÉlÉÉκlÉÊiÉ ºÉÆ´ÉMÉÇ / Cadre As on As on As on As on As on 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018 +ÊvÉEòÉ®úÒ / Officers 39.4 39.3 39.25 38.66 38.16 ʱÉÊ{ÉEò / Clerical 42.6 43.2 42.17 41.2 40.29 +vÉÒxɺlÉ º]õÉ¡ò / Sub-staff 42.7 41.5 39.85 40.23 40.46 ºÉ¨ÉOÉiÉ: Eò¨ÉÇSÉÉ®úÒ / Employee as a whole 41.0 40.9 40.2 39.64 39.10

º]õÉ¡ò ½äþiÉÖ Eò±ªÉÉhÉEòÉ®úÒ ªÉÉäVÉxÉÉBÆ Welfare Scheme for Staff Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä +{ÉxÉÒ Ê´ÉʦÉzÉ Eò±ªÉÉhÉEòÉ®úÒ During the financial year 2017-18, the Bank continued its ªÉÉäVÉxÉÉBÆ VÉÉ®úÒ ®úJÉÓ VÉèºÉä <±ÉɽþɤÉÉnù ¤ÉéEò Eäò +ÊvÉEòÉÊ®úªÉÉå/Eò¨ÉÇSÉÉÊ®úªÉÉå ½äþiÉÖ various welfare schemes viz. Scheme for Group Life Insurance ºÉ¨ÉÚ½þ VÉÒ´ÉxÉ ¤ÉÒ¨ÉÉ {ÉÉʱɺÉÒ, Ê´ÉʦÉzÉ ºlÉÉxÉÉå {É®ú ½þÉä±ÉÒbä÷ ½þÉä¨É +Éè®ú ¨ÉÖ¨¤É<Ç, Policy for officers/employees of Allahabad Bank; Holiday homes at various places and transit quarters for treatment of EòÉä±ÉEòÉiÉÉ, ±ÉJÉxÉ>ð +Éè®ú SÉäzÉè ¨Éå ®úÉäÊMɪÉÉå Eäò ={ÉSÉÉ®ú ½äþiÉÖ ]ÅõÉÆÊVÉ]õ C´ÉÉ]Çõ®, patients at Mumbai, Kolkata, Lucknow and Chennai; Annual ú+ÊvÉEòÉÊ®úªÉÉå/+´ÉÉbÇ÷ º]õÉ¡ò +Éè®ú =xÉEäò nÆù{ÉÊkÉ ½äþiÉÖ ´ÉÉ̹ÉEò ºÉɨÉÉxªÉ º´ÉɺlªÉ General Health Check up facility for officers/award staff and VÉÉÆSÉ ºÉÖÊ´ÉvÉÉ, ºÉä´ÉÉ Eäò nùÉè®úÉxÉ +ÊvÉEòÉ®úÒ/Eò¨ÉÇSÉÉ®úÒ EòÒ ¨ÉÞiªÉÖ ½þÉäxÉä {É®ú their spouse; Death Relief Scheme for payment of Ex-gratia =xÉEäò {ÉÊ®ú´ÉÉ®ú Eò½þiÉÖ +xÉÖOɽþ ®úÉ榃 Eäò ¦ÉÖMÉiÉÉxÉ EòÒ ¨ÉÞiªÉÖ ®úɽþiÉ ªÉÉäVÉxÉÉ, to the family of Officers/Employees who die in harness; facility of medical consultancy at Head Office, Zonal Offices, Staff |ÉvÉÉxÉ EòɪÉÉDZɪÉ, ÊxɪÉÆjÉEò EòɪÉÉDZɪÉÉå +Éè®ú |ÉʶÉIÉhÉ EäòxpùÉä ¨Éå ÊSÉÊEòiºÉÉ Colleges and Staff Training Centers. The Bank also provides {É®úɨɶÉÇ EòÒ ºÉÖÊ´ÉvÉÉ* ¤ÉéEò +{ÉxÉä Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä Ê®úªÉɪÉiÉÒ ¤ªÉÉVÉ nù®ú {É®ú various loans to the employees viz. Housing Loan, Car Loan, Ê´ÉʦÉzÉ @hÉ ¦ÉÒ |ÉnùÉxÉ Eò®úiÉÉ ½èþ VÉèºÉä +É´ÉÉºÉ @ñhÉ, EòÉ®ú @ñhÉ, +Éä´É®úbÅ÷É}]õ Overdraft facility, flood loan, etc at concessional rate of interest. ºÉÖÊ´ÉvÉÉ, ¤ÉÉgø @ñhÉ +ÉÊnù* Reservation Policy +É®úIÉhÉ xÉÒÊiÉ ¤ÉéEò +VÉÉ/+VÉVÉÉ/+Éä¤ÉÒºÉÒ Eò¨ÉÇSÉÉÊ®úªÉÉå Eäò +É®úIÉhÉ +Éè®ú Eò±ªÉÉhÉ Eäò ºÉƤÉÆvÉ The Bank meticulously follows the Government guideline regarding reservation and welfare of SC/ST/OBC employees. ¨Éå ºÉ®úEòÉ®úÒ Ênù¶ÉÉÊxÉnæù¶ÉÉå EòÉ ºÉÉ´ÉvÉÉxÉÒ{ÉÚ´ÉÇEò {ÉɱÉxÉ Eò®úiÉÉ ½èþ* 31.03.2018 The representation of SC/ST/OBC employees in the total EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò Eäò Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ EÖò±É ºÉÆJªÉÉ ¨Éå +VÉÉ/+VÉVÉÉ/ strength of the Bank as on 31.03.2018 was as under: +Éä¤ÉÒºÉÒ EòÉ |ÉÊiÉÊxÉÊvÉi´É ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ:- EÖò±É ºÉÆJªÉÉ +VÉÉ/+VÉVÉÉ/+Éä¤ÉÒºÉÒ EòÉ |ÉÊiÉÊxÉÊvÉi´É ºÉÆ´ÉMÉÇ / Cadre Total Representation of SC/ST/OBC Strength +VÉÉ/ SC % +VÉVÉÉ/ST % +Éä¤ÉÒºÉÒ/OBC % +ÊvÉEòÉ®úÒ / Officers 13686 2610 19.07 1143 8.35 3064 22.39 ʱÉÊ{ÉEò / Clerks 6266 1777 28.36 534 8.52 1305 20.83 ºÉ¡òÉ<Ç Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä UôÉäc÷Eò®ú +vÉÒxɺlÉ º]õÉ¡ò Sub-staff excluding sweepers 2099 1077 51.31 86 4.10 205 9.77 ºÉ¡òÉ<Ç Eò¨ÉÇSÉÉ®úÒ / Sweepers 1916 1110 57.93 158 8.25 430 22.44 EÖò±É / Total 23967 6574 27.42 1921 8.02 5004 20.88

+ÉètÉäÊMÉEò ºÉƤÉÆvÉ Industrial Relations

¤ÉéEò ¨Éå +ÉètÉäÊMÉEò ºÉƤÉÆvÉ {ÉÊ®ú´Éä¶É ºÉÉè½þÉnÇù{ÉÚhÉÇ ½èþ +Éè®ú ¤ÉéEò ªÉÚÊxɪÉxÉÉå/ The industrial relations climate in the Bank is harmonious and BäºÉÉʺÉB¶ÉxÉÉå Eäò ºÉÉlÉ ºÉÉè½þÉnÇù{ÉÚhÉÇ ºÉƤÉÆvÉ ¤ÉxÉÉB ®úJÉiÉÉ ½èþ* +ÊvÉEòÉ®úÒ ºÉÆ´ÉMÉÇ the Bank maintains a cordial relationship with the unions/ +Éè®ú +´ÉÉbÇ÷ º]õÉ¡ò ºÉÆ´ÉMÉÇ EòÒ ªÉÚÊxɪÉxÉÉå Eäò ºÉÉlÉ ÊxɪÉÊiÉ °ü{É ºÉä +Éè{ÉSÉÉÊ®úEò associations. Formal and informal meetings are held regularly +Éè®ú +xÉÉè{ÉSÉÉÊ®úEò ¤Éè`ööEåò +ɪÉÉäÊVÉiÉ EòÒ VÉÉiÉÒ ½éþ* with the unions in Officers' cadre as well as Award Staff cadre. {ÉnùÉäzÉÊiɪÉÉÆ Promotions

Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ EòÒ |ÉlÉ¨É +Éè®ú ÊuùiÉÒªÉ ÊiɨÉɽþÒ ¨Éå During the FY17-18, Promotions from Clerical to Officers' cadre ʱÉÊ{ÉEòÒªÉ ºÉÆ´ÉMÉÇ ºÉä +ÊvÉEòÉ®úÒ ºÉÆ´ÉMÉÇ ¨Éå {ÉnùÉäzÉÊiÉ +Éè®ú +ÊvÉEòÉ®úÒ ºÉÆ´ÉMÉÇ Eäò and promotions in various scales of officer cadre were

38 Ê´ÉʦÉzÉ ´ÉäiÉxɨÉÉxÉÉå ¨Éå {ÉnùÉäzÉÊiÉ EòÒ MÉ<Ç; Ê{ÉUô±Éä {ÉÉÆSÉ ´É¹ÉÉç Eäò nùÉè®úÉxÉ nùÒ MÉ<Ç conducted in the first and second quarter of the financial year; {ÉnùÉäzÉÊiɪÉÉÆ ÊxɨxÉÉxÉÖºÉÉ®ú ½éþ* the promotions effected over the last five years were as under:

{ÉnùÉäzÉÊiÉ / Promotion To 2013-14 2014-15 2015-16 2016-17 2017-18 ]õÒ<ÇVÉÒ ºEäò±É / TEG Scale VII 8 7 4 4 5 ]õÒ<ÇVÉÒ ºEäò±É / TEG Scale VI 15 19 8 11 12 BºÉB¨ÉVÉÒ ºEäò±É / SMG Scale V 33 61 36 26 27 BºÉB¨ÉVÉÒ ºEäò±É / SMG Scale IV 156 117 164 83 76 B¨ÉB¨ÉVÉÒ ºEäò±É / MMG Scale III 618 209 600 319 253 B¨ÉB¨ÉVÉÒ ºEäò±É / MMG Scale II 485 530 899 451 370 ʱÉÊ{ÉEò ºÉä +ÊvÉEòÉ®úÒ / Clerk to Officer - 644 303 503 524 +vÉÒxɺlÉ º]õÉ¡ò ºÉä ʱÉÊ{ÉEò / Sub-staff to Clerk 340 - 117 89 -

|ÉʶÉIÉhÉ MÉÊiÉÊ´ÉÊvɪÉÉÆ Training Activities

½þ¨ÉÉ®äú +ÊvÉEòÉÊ®úªÉÉå/Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ òIɨÉiÉÉ ÊxɨÉÉÇhÉ ½äþiÉÖ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ The HRD department has designed the training programs as Ê´ÉEòÉºÉ Ê´É¦ÉÉMÉ xÉä ºÉ¨ÉªÉ ºÉ¨ÉªÉ {É®ú EòÉ®ú{ÉÉä®äú]õ =qäù¶ªÉÉå +Éè®ú ºÉÆMÉ`ööxÉ EòÒ per the corporate objectives and the priorities of the |ÉÉlÉʨÉEòiÉÉ+Éå Eäò +xÉÖºÉÉ®ú |ÉʶÉIÉhÉ EòɪÉÇGò¨É iÉèªÉÉ®ú ÊEòB ½éþ* organization from time to time for capacity building of our officers/ employees.

¤ÉéEò Eäò Uô½þ |ÉʶÉIÉhÉ ºÉƺlÉÉxÉ ½éþ ÊVÉxɨÉå ºÉä nùÉä |ÉʶÉIÉhÉ EòɱÉäVÉ EòÉä±ÉEòÉiÉÉ The Bank has six training establishments, consisting of two +Éè®ú ±ÉJÉxÉ>ð ¨Éå ½é, VÉÉä EòɪÉÇ{ÉɱÉEòÉå +Éè®ú +ÊvÉEòÉÊ®úªÉÉå EòÒ |ÉʶÉIÉhÉ training colleges at Kolkata and Lucknow which cater to the VÉ°ü®úiÉÉå EòÉä {ÉÚ®úÉ Eò®úiÉä ½é iÉlÉÉ SÉÉ®ú º]õÉ¡ò |ÉʶÉIÉhÉ Eäòxpù ½èþnù®úɤÉÉnù, training needs of executives and officers and four staff training centres located at Hyderabad, Bhubaneswar, Patna and ¦ÉÖ´ÉxÉä·É®ú, {É]õxÉÉ +Éè®ú {ÉÆSÉEÖò±ÉÉ ¨Éå ½éþ VÉÉä +´ÉÉbÇ÷ º]õÉ¡ò +Éè®ú +ÊvÉEòÉÊ®úªÉÉå Panchkula which cater the training needs of award staff as EòÒ |ÉʶÉIÉhÉ +ɴɶªÉEòiÉÉ+Éå EòÉä {ÉÚ®úÉ Eò®úiÉä ½éþ* ºÉ¦ÉÒ |ÉʶÉIÉhÉ EòɱÉäVÉÉå / well as officers. All the training colleges/ staff training centres º]õÉ¡ò |ÉʶÉIÉhÉ EäòxpùÉä ¨Éå +xÉxªÉ °ü{É ºÉä EòÉä®ú ¤ÉéËEòMÉ ºÉɱªÉÚ¶ÉxÉ ½äþiÉÖ BEò are having one IT lab exclusively for Core Banking Solution +É<Ç]õÒ ±Éè¤É ½èþ* (CBS). ºÉ¦ÉÒ ¸ÉäÊhɪÉÉå Eäò +ÊvÉEòÉÊ®úªÉÉå +Éè®ú +´ÉÉbÇ÷ º]õÉ¡ò EòÉä ºÉƺlÉÉ ¨Éå =xÉEäò |É´Éä¶É Training is given to all categories of officers and award staff ºÉä ½þÒ |ÉʶÉIÉhÉ ÊnùªÉÉ VÉÉiÉÉ ½èþ* {ÉÒ+Éä EòÉä ¤ÉéEò EòÒ ºÉä´ÉÉ ¨Éå +ÉiÉä ½þÒ nùÉä starting from their Induction into the organization. The POs ºÉ{iÉɽþ EòÉ |É´Éä¶É |ÉʶÉIÉhÉ ÊnùªÉÉ MɪÉÉ* BºÉb÷¤±ªÉÚ+Éä Eäò ʱÉB nùÉä ºÉ{iÉɽþ EòÉ were provided two months on boarding induction training. The SWO- As were provided two weeks Induction Training Program. |É´Éä¶É |ÉʶÉIÉhÉ EòɪÉÇGò¨É +ɪÉÉäÊVÉiÉ ÊEòªÉÉ MɪÉÉ* =SSÉiÉ®ú OÉäb÷/ºEäò±É ¨Éå {ÉnùÉäzÉÊiÉ Eäò +ÉEòÉÆIÉÒ +VÉÉ/+VÉVÉÉ/+Éä¤ÉÒºÉÒ/{ÉÒb÷¤±ªÉÚb÷Ò/ The officers/ employees belonging to SC/ST/OBC/PWD/MC B¨ÉºÉÒ ¸ÉähÉÒ ºÉä ºÉƤÉÆÊvÉiÉ +ÊvÉEòÉÊ®úªÉÉå/Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä {ÉnùÉäzÉÊiÉ {ÉÚ´ÉÇ |ÉʶÉIÉhÉ categories aspiring for promotion to higher grade/ Scale were provided Pre-promotional training. Similarly newly promoted |ÉnùÉxÉ ÊEòªÉÉ MɪÉÉ* <ºÉÒ |ÉEòÉ®ú Ê´ÉʦÉzÉ OÉäb÷/ºEäò±É ¨Éå xÉB {ÉnùÉäzÉiÉ +ÊvÉEòÉÊ®úªÉÉå/ employees/officers in different grade/scale were provided Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä |ÉʶÉIÉhÉ ÊnùªÉÉ MɪÉÉ iÉÉÊEò ´Éä =SSÉiÉ®ú =kÉ®únùÉʪÉi´É ÊxɦÉÉxÉä training, so as to equip themselves to take up higher ¨Éå ºÉIÉ¨É ½þÉä ºÉEåò* responsibilities. <ºÉEäò +ÊiÉÊ®úHò ¨ÉÉèVÉÚnùÉ +ÊvÉEòÉÊ®úªÉÉå/Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ¨É½þi´É{ÉÚhÉÇ Ê´É¹ÉªÉÉå ¨Éå In addition, for the existing officers/employees training in key |ÉʶÉIÉhÉ ÊnùªÉÉ MɪÉÉ VÉèºÉää @ñhÉ, Ê®ú]äõ±É @ñhÉ, EÞòÊ¹É Ê´ÉkÉ, B¨ÉBºÉB¨É<Ç, subject areas like Credit, Retail lending, Agri-finance, MSME, FOREX, IT, NPA Management, Risk Management, Credit ¡òÉ®äúCºÉ, +É<Ç]õÒ, BxÉ{ÉÒB |ɤÉÆvÉxÉ, VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ, BSÉ+É®ú* Monitoring, Inspection & HR were imparted.

ºÉ¨ÉºiÉ |ÉʶÉIÉhÉ ºÉƺlÉÉ+Éå ¨Éå +vÉÒxɺlÉ-º]õÉ¡ò ½äþiÉÖ |Éä®úhÉÉ ºÉƤÉÆvÉÒ nùÉä Ênù´ÉºÉÒªÉ A two-day special program for Sub-staff on motivation was ʴɶÉä¹É EòɪÉÇGò¨É +ɪÉÉäÊVÉiÉ ÊEòªÉÉ MɪÉÉ* conducted at all the training establishments.

“]ÅõÉÆÊVɶÉxÉ ]Úõ <ÆÊb÷ªÉxÉ BEòÉ=ÆË]õMÉ º]éõb÷bÇ÷ (

ºÉÆEòɪÉÉå EòÉä ºÉ¨ÉÞrù ¤ÉxÉÉxÉä ½äþiÉÖ ½þ¨ÉÉ®äú |ÉʶÉIÉhÉ ºÉƺlÉÉ+Éå Eäò |ÉvÉÉxÉÉSÉɪÉÉç +Éè®ú In order to enrich the faculties, "Faculty Development Program" ºÉÆEòɪÉÉå ½äþiÉÖ “ºÉÆEòÉªÉ Ê´ÉEòÉºÉ EòɪÉÇGò¨É” +ɪÉÉäÊVÉiÉ ÊEòªÉÉ MɪÉÉ lÉÉ* was conducted for Principals & faculties of our training establishment.

39 EòɪÉÇ{ÉɱÉEòÉå +Éè®ú +ÊvÉEòÉÊ®úªÉÉå EòÉä ¤Éä½þiÉ®ú BCºÉ{ÉÉäVÉ®ú näùxÉä ½äþiÉÖ ¤ÉéEò ¤ÉÉÁ The Bank also provided training to its officers in different |ÉÊiÉι`öiÉ |ÉʶÉIÉhÉ ºÉƺlÉÉ+Éå VÉèºÉä ºÉÒBB¡ò+É®úBB±É, BxÉ+É<ǤÉÒB¨É, ºÉÒB¤ÉÒ, centres in specialized areas through outside reputed training +É<ÇbÒ+É®¤ÉÒ]Ò, BBºÉºÉÒ+É<Ç, B¡ò+É<ÇB¨ÉB¨ÉBb÷ÒB, B¡ò<Çb÷ÒB+É<Ç, institutions like CAFRAL, NIBM, CAB, IDRBT, ASCI, FEDAI, IIBM, IIBF etc. for providing better exposure to the executives +É<Ç+É<ǤÉÒB¨É, +É<Ç+É<ǤÉÒB¡ò +ÉÊnù Eäò ¨ÉÉvªÉ¨É ºÉä ʴɶÉä¹ÉÒEÞòiÉ IÉäjÉÉå ¨Éå ¦ÉÒ and officers. +{ÉxÉä +ÊvÉEòÉÊ®úªÉÉå EòÉä |ÉʶÉIÉhÉ |ÉnùÉxÉ Eò®úiÉÉ ½èþ* ¤ÉéEò xÉä iÉÒxÉ EòɪÉÇ{ÉɱÉEòÉå EòÉä +{ÉxÉä YÉÉxÉ EòÉä ºÉ¨ÉÞrù Eò®úxÉä ½äþiÉÖ Ê´Énäù¶ÉÒ Bank also nominated three executives to attend the overseas training program to enrich their knowledge. |ÉʶÉIÉhÉ EòɪÉÇGò¨ÉÉå ¨Éå ¦ÉÉMÉ ±ÉäxÉä ½äþiÉÖ ¦ÉÒ xÉÉʨÉiÉ ÊEòªÉÉ ½èþ* ºlÉÉxÉÒªÉ |ÉʶÉIÉhÉ On Location Training ¨ÉÆb÷±ÉÉå EòÒ |ÉʶÉIÉhÉ VÉ°ü®úiÉÉå EòÉä {ÉÚ®úÉ Eò®úxÉä ½äþiÉÖ =xÉEäò ºÉƤÉÆÊvÉiÉ ¨ÉÆEòÉ Locational programs were conducted by faculties of our training ºlɱÉÉåå {É®ú ½þ¨ÉÉ®äú |ÉʶÉIÉhÉ ºÉƺlÉÉ+Éå Eäò ºÉÆEòɪÉÉå uùÉ®úÉ ºlÉÉxÉÒªÉ |ÉʶÉIÉhÉ establishments to meet the training needs of the Zones in their EòɪÉÇGò¨É +ɪÉÉäÊVÉiÉ ÊEòB VÉÉiÉä ½éþþ* respective ZO location. <Ç-±ÉÍxÉMÉ e-Learning

¤ÉéEò xÉä Êb÷ÊVÉ]õ±É |ÉʶÉIÉhÉ Eäò ¨ÉÉvªÉ¨É ºÉä +{ÉxÉä Eò¨ÉÇSÉÉÊ®úªÉÉå Eäò IɨÉiÉÉ The Bank has taken an initiative for capacity building of our ÊxɨÉÉÇhÉ ½äþiÉÖ {ɽþ±É EòÒ ½èþ* Êb÷ÊVÉ]õ±É |ÉʶÉIÉhÉ ½äþiÉÖ +ÉÆiÉÊ®úEò °ü{É ºÉä iÉèªÉÉ®ú employees through Digital Training. A WEB Portal on Digital ÊEòªÉÉ MɪÉÉ ´Éä¤É {ÉÉä]Çõ±É +É®Æú¦É ÊEòªÉÉ MɪÉÉ ½èþ* <ºÉ {ÉÉä]Çõ±É Eäò ¨ÉÉvªÉ¨É ºÉä Training, developed in-house, has been launched. Through this portal, e-lessons have been made available covering Ê´ÉʦÉzÉ ¨É½þi´É{ÉÚhÉÇ IÉäjÉÉå {É®ú ¤ÉéËEòMÉ Ê´É¹ÉªÉÉå EòÉä ¶ÉÉÊ¨É±É Eò®úiÉä ½ÖþB <Ç-{ÉÉ`öö Banking topics on various focus areas viz. Retail Banking, ={ɱɤvÉ ½þÉåMÉä VÉèºÉä Ê®ú]äõ±É ¤ÉéËEòMÉ, |ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ñhÉ, Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ, Priority Sector Credit, Financial Inclusion, Foreign Exchange, Ê´Énäù¶ÉÒ ¨ÉÖpùÉ, Êb÷±ÉÒ´É®úÒ SÉèxɱÉ, VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ, ºÉÖ®úIÉÉ, ÊxÉ´ÉÉ®úEò ºÉiÉEÇòiÉÉ Delivery Channels, Risk Management, Security, Preventive ´ÉºÉÚ±ÉÒ +Éè®ú BxÉ{ÉÒB |ɤÉÆvÉxÉ, OÉɽþEò ºÉä´ÉÉ +ÉÊnù +ÉÊnù* Vigilance, Recovery & NPA Management, Customer Service etc.

´Éä¤É {ÉÉä]Çõ±É =SSÉ EòÉäÊ]õ EòÉ |ÉʶÉIÉhÉ |ÉnùÉxÉ Eò®äúMÉÉ +Éè®ú ½þ¨ÉÉ®äú Eò¨ÉÇSÉÉÊ®úªÉÉå The WEB Portal provides high quality training and is available EòÉä 24x7 bä÷ºEò]õÉ{É, ±Éè{É]õÉ{É +Éè®ú ¨ÉÉä¤ÉÉ<±É {É®ú ={ɱɤvÉ ½þÉäMÉÉ* ªÉ½þ to our employees 24*7 on Desktop, Laptop and Mobile. This ´Éä¤ÉºÉÉ<]õ ½þ¨ÉÉ®äú Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä <Æ]ÅõÉxÉä]õ +Éè®ú <Æ]õ®úxÉä]õ nùÉäxÉÉÆä Eäò ¨ÉÉvªÉ¨É ºÉä website is accessible to our employees both through Bank's ={ɱɤvÉ ½þÉäMÉÒ* Intranet as well as internet. <ºÉ {ɽþ±É ºÉä ±ÉÉäMÉÉå EòÉä YÉÉxÉ EòÒ +Éä®ú VÉÉxÉä EòÒ ¤ÉVÉÉªÉ YÉÉxÉ ±ÉÉäMÉÉå iÉEò This initiative has brought learning to people instead of people {ɽÖÆþSÉäMÉÉ* <ºÉºÉä ½þ¨ÉÉ®äú Eò¨ÉÇSÉÉÊ®úªÉÉå ¨Éå {ɪÉÉÇ{iÉ YÉÉxÉ +Éè®ú EòÉè¶É±É Ê´ÉEòʺÉiÉ to learning. It helps our employees to develop with adequate knowledge and skills to cater to the varied needs of our Eò®úxÉä +Éè®ú OÉɽþEòÉå EòÒ Ê´ÉÊ´ÉvÉ VÉ°ü®úiÉÉå EòÉä {ÉÚ®úÉ Eò®úxÉä ¨Éå ¨Énùnù ʨɱÉäMÉÒ* customers.

IɨÉiÉÉ ÊxɨÉÉÇhÉ Capacity Building

¦ÉÉÊ®ú¤ÉéEò/+É<ǤÉÒB Eäò ÊxÉnæù¶ÉÉå/{É®úɨɶÉÇ Eäò +xÉÖºÉÉ®ú “IɨÉiÉÉ ÊxɨÉÉÇhÉ-|ɨÉÉhÉxÉ As per RBI/IBA directives/ advices, a policy on "Capacity {ÉÉ`ö¬Gò¨É iÉèªÉÉ®ú ÊEòªÉÉ MɪÉÉ ½èþ* |ɺiÉÉÊ´ÉiÉ xÉÒÊiÉ Eäò +xÉÖºÉÉ®ú 5 |ɨÉÖJÉ IÉäjÉÉå Building - Certification Courses" has been prepared. As per ” the proposed policy the acquiring of certification is mandatory +lÉÉÇiÉ i) ]ÅäõVÉ®úÒ {ÉÊ®úSÉɱÉxÉ, ii) VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ, iii) ±ÉäJÉÉ +Éè®ú ±ÉäJÉÉ{É®úÒIÉÉ, for the officers working in 5 key areas viz. i) Treasury iv) @ñhÉ |ɤÉÆvÉxÉ +Éè®ú v) Ê´Énäù¶ÉÒ ¨ÉÖpùÉ {ÉÊ®úSÉɱÉxÉ ¨Éå EòɪÉÇ Eò®úxÉä´ÉɱÉä Operations, ii) Risk Management, iii) Accounts and Audit, iv) +ÊvÉEòÉÊ®úªÉÉå ½äþiÉÖ ªÉ½þ |ɨÉÉhÉxÉ |ÉÉ{iÉ Eò®úxÉÉ +ÊxÉ´ÉɪÉÇ ½èþ* Eò¨ÉÇSÉÉÊ®úªÉÉå xÉä Credit Management, and v) Foreign Exchange Operations. |ɨÉÖJÉ IÉäjÉÉå ¨Éå |ɨÉÉhÉxÉ {ÉÉ`ö¬Gò¨É +É®Æú¦É Eò®ú ÊnùªÉÉ ½èþ* Employees have started "Certification Courses" on the key “ ” areas.

40 ´ªÉ´ÉºÉÉªÉ =kÉ®únùÉʪÉi´É Ê®ú{ÉÉä]Çõ-¨ÉÉSÉÇ 2018 BUSINESS RESPONSIBILITY REPORT- MARCH 2018

<±ÉɽþɤÉÉnù ¤ÉéEò EòÒ ºlÉÉ{ÉxÉÉ BEò ªÉÚ®úÉä{ÉÒªÉ ºÉ¨ÉÖnùÉªÉ uùÉ®úÉ 1865 ¨Éå <±ÉɽþɤÉÉnù Allahabad Bank was founded in the year 1865 by a group of Eäò BäÊiɽþÉʺÉEò xÉMÉ®ú ¨Éå EòÒ MÉ<Ç lÉÒ* +ÉVÉ ªÉ½þ näù¶É EòÉ |ÉÉSÉÒxÉiÉ¨É ºÉƪÉÖHò Europeans in the historic city of Allahabad. Today, it is one of º]õÉEò ¤ÉéEò ½èþ* 1923 ¨Éå ¤ÉéEò Eäò |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ EòÉä EòÉä±ÉEòÉiÉÉ ºlÉÉxÉÉÆiÉÊ®úiÉ India's oldest joint stock banks. The Bank's Head Office was ÊEòªÉÉ MɪÉÉ* shifted to Kolkata in 1923. ºÉ®úEòÉ®ú Eäò º´ÉÉʨÉi´É Eäò +ÆiÉMÉÇiÉ +ÉxÉä ½äþiÉÖ 1969 ¨Éå 13 +xªÉ ¤ÉéEòÉå Eäò ºÉÉlÉ The Bank with its 151 branches was nationalized in 1969 with ¤ÉéEò EòÉ <ºÉEòÒ 151 ¶ÉÉJÉÉ+Éå Eäò ºÉÉlÉ ®úɹ]ÅõÒªÉEò®úhÉ ÊEòªÉÉ MɪÉÉ* ¤ÉéEò xÉä 13 major commercial banks to come under the ownership of ¦ÉÉèMÉÉäʱÉEò +Éè®ú =i{ÉÉnù Ê´ÉÊ´ÉÊvÉEò®úhÉ nùÉäxÉÉå Eäò ¨ÉÉvªÉ¨É ºÉä Ê´ÉkÉÒªÉ ¤ÉÖÊxɪÉÉnù EòÉä Government of India. The Bank has undertaken strategic planning in order to strengthen financial foundation through ¨ÉVɤÉÚiÉ Eò®úxÉä Eäò <®úÉnäù ºÉä +xÉäEò ®úhÉxÉÒÊiÉ{É®úEò ªÉÉäVÉxÉÉBÆ ¤ÉxÉÉ<Ç ½éþ* ºÉÆ{ÉÚhÉÇ both geographical and product diversification. In addition to ¦ÉÉ®úiÉ ¨Éå ¡èò±ÉÒ 3245 ¶ÉÉJÉÉ+Éå Eäò +ÊiÉÊ®úHò ½þÉÆMÉEòÉÆMÉ ¨Éå ¤ÉéEò EòÒ BEò ¶ÉÉJÉÉ 3245 branches across the length and breadth of India, the ½èþ* ¤ÉéEò +{ÉxÉä OÉɽþEòÉå EòÉä ¤ÉéËEòMÉ B´ÉÆ Ê´ÉkÉÒªÉ ºÉä´ÉÉBÆ |ÉnùÉxÉ Eò®úiÉÉ ½èþ ÊVÉxɨÉå Bank has its overseas branch at Hong Kong. ¨ÉÖJªÉ =i{ÉÉnù ½éþ-VɨÉÉ®úÉʶÉ, @ñhÉ B´ÉÆ +ÊOÉ¨É iÉlÉÉ Ê´É|Éä¹ÉhÉ* JÉÆb÷ Eò: EÆò{ÉxÉÒ Eäò ºÉƤÉÆvÉ ¨Éå ºÉɨÉÉxªÉ ºÉÚSÉxÉÉ Section A: General Information about the Company 1. Corporate Identity Number (CIN) of the Company : Not 1. EÆò{ÉxÉÒ EòÒ EòÉ®ú{ÉÉä®äú]õ {ɽþSÉÉxÉ ºÉÆ. (ºÉÒ+É<ÇBxÉ): +|ɪÉÉäVªÉ Applicable 2. EÆò{ÉxÉÒ EòÉ xÉÉ¨É : <±ÉɽþɤÉÉnù ¤ÉéEò 2. Name of the Company : Allahabad Bank 3. {ÉÆVÉÒEÞòiÉ {ÉiÉÉ: <±ÉɽþɤÉÉnù ¤ÉéEò, |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ 2 BxÉ.BºÉ. ®úÉäb÷, 3. Registered address : Allahabad Bank, Head Office, 2 EòÉä±ÉEòÉiÉÉ-700001 NS Road, Kolkata - 700001 4. ´Éä¤ÉºÉÉ<]õ: www.allahabadbank.in 4. Website : www.allahabadbank.in 5. <ǨÉä±É +É<Çb÷Ò: [email protected] 5. E-mail id : [email protected] 6. Ê®ú{ÉÉä]Çõ ÊEòªÉÉ MɪÉÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ : 2017-18 6. Financial Year reported : 2017-18 7. EÆò{ÉxÉÒ ÊEòºÉ IÉäjÉ ¨Éå EòɪÉÇ®úiÉ ½è þ(+ÉètÉäÊMÉEò MÉÊiÉÊ´ÉÊvÉ EòÉäb÷ ´ÉÉ®ú) 7. Sector(s) that the Company is engaged in (industrial activity code-wise) : Ê´ÉkÉÒªÉ ºÉä´ÉÉBÆ, ¨ÉÖJªÉiÉ: ¤ÉéËEòMÉ Financial Services, mainly banking 8. iÉÒxÉ |ɨÉÖJÉ =i{ÉÉnùÉå/ºÉä´ÉÉ+Éå EòÒ ºÉÚSÉÒ VÉÉä EÆò{ÉxÉÒ Ê´ÉÊxɨÉÉÇhÉ/|ÉnùÉxÉ 8. List three key products/services that the Company Eò®úiÉÒ ½èþ (iÉÖ±ÉxÉ{ÉjÉ ¨Éå =α±ÉÊJÉiÉ) manufactures/provides (as in balance sheet) (1) VɨÉÉ®úÉʶɪÉÉÆ (2) +ÊOÉ¨É +Éè®ú (3) +xÉÖ¹ÉÆMÉÒ ºÉä´ÉÉBÆ (1) Deposits (2) Advances (3) Ancillary services 9. EÆò{ÉxÉÒ uùÉ®úÉ ÊEòB MÉB ´ªÉ´ÉºÉÉªÉ Eäò ºlÉÉxÉÉå EòÒ ºÉÆJªÉÉ 9. Total number of locations where business activity is undertaken by the Company i. +ÆiÉ®ú®úɹ]ÅõÒªÉ ºlÉÉxÉÉå EòÒ ºÉÆJªÉÉ: ´ÉiÉǨÉÉxÉ ¨Éå ¤ÉéEò EòÒ BEò ¶ÉÉJÉÉ i. Number of International Locations : Presently, the Bank ½þÉÆMÉEòÉÆMÉ(SÉÒxÉ) ¨Éå ½éþ has one branch in Hong Kong (China) ii. ®úɹ]ÅõÒªÉ ºlÉÉxÉÉå EòÒ ºÉÆJªÉÉ: 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉκlÉÊiÉ <±ÉɽþɤÉÉnù ii. Number of National Locations: Allahabad Bank has 8 ¤ÉéEò Eäò 8 IÉäjÉ ¨É½þÉ|ɤÉÆvÉEò EòɪÉÉÇ±ÉªÉ (B¡òVÉÒB¨É+Éä), 49 ¨ÉÆb÷±ÉÒªÉ Field General Manager Offices (FGMOs), 49 Zonal EòɪÉÉDZɪÉ, 3245 ¶ÉÉJÉÉBÆ +Éè®ú 1105 B]õÒB¨É ½éþ* Offices, 3245 branches and 1105 ATMs as on 31st March 2018. 10. EÆò{ÉxÉÒ uùÉ®úÉ ¤ÉÉVÉÉ®ú ºÉä´ÉÉ-®úɹ]ÅõÒªÉ +Éè®ú +ÆiÉ®ú®úɹ]ÅõÒªÉ ¤ÉÉVÉÉ®,ú VÉèºÉÉ 10. Markets served by the Company - National and ÊEò ʤÉÆnÖùù ºÉÆ 9(i) ¨Éå =α±ÉÊJÉiÉ ½èþ* International market as mentioned in point no 9 (i) ®úɹ]ÅõÒªÉ +Éè®ú +ÆiÉ®ú®úɹ]ÅõÒªÉ nùÉäxÉÉäÆ ¤ÉÉVÉÉ®úÉå ¨Éå ®úɹ]ÅõÒªÉ ºiÉ®ú {É®ú ´ªÉÉ{ÉEò Both national and international markets with large branch ¶ÉÉJÉÉ xÉä]õ´ÉEÇò network at national level. JÉÆb÷ JÉ: EÆò{ÉxÉÒ Eäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉ Section B: Financial Details of the Company 1. |ÉnùkÉ {ÉÚÆVÉÒ (+É<ÇBxÉ+É®ú): `844.04 Eò®úÉäc÷ 1. Paid up Capital (INR) : `844.04 crores 2. EÖò±É ]õxÉÇ+Éä´É®ú(+É<ÇBxÉ+É®ú): EÖò±É ´ªÉ´ÉºÉÉªÉ `380040 Eò®úÉäc÷ 2. Total Turnover (INR) : Total Business : Rs 380040 crores, (Total Deposits : `213604 crores + Gross Advances : (EÖò±É VɨÉÉ®úÉʶɪÉÉÆ: ` 213604 Eò®úÉäc÷ + ºÉEò±É +ÊOÉ¨É `166436 ` Eò®úÉäc÷÷) 166436 crores) 3. Eò®ú {ɶSÉÉiÉ EÖò±É ±ÉÉ¦É (+É<ÇBxÉ+É®ú): `4674 Eò®úÉäc÷ EòÒ ½þÉÊxÉ* 3. Total profit after taxes (INR) : Loss of ` 4674 crores 4. Eò®úú {ɶSÉÉiÉ ±ÉÉ¦É Eäò |ÉÊiɶÉiÉ Eäò °ü{É ¨Éå EòÉ®ú{ÉÉä®äú]õ ºÉɨÉÉÊVÉEò 4. Total Spending on Corporate Social Responsibility (CSR) =kÉ®únùÉʪÉi´É {É®ú EÖò±É ´ªÉªÉ (%): ´É¹ÉÇ Eäò nÉè®úÉxÉ ¤ÉéEò EòÉä ½þÉÊxÉ ½Öþ<Ç as percentage of profit after tax (%): The Bank has ½èþ* incurred losses during the year. Ê´ÉkÉÒªÉ ´É¹ÉÇ 2018 Eäò nÉè®ÉxÉ ºÉɨÉÖnÉʪÉEò Ê´ÉEòÉºÉ ¨Éå `645.77 During FY18, expenditure of ` 645.77 lakh was incurred ±ÉÉJÉ JÉSÉÇ ÊEòªÉÉ MɪÉÉ* <ºÉEòÉ Ê´É´É®hÉ ÊxɨxÉÉxÉÖºÉÉ® ½è: towards community development. The details are as under:

41 ªÉÉäVÉxÉÉ/ÊxÉÊvÉ Scheme/ Funds ®É榃 (±ÉÉJÉ ¨Éå)/ Amount (Rs. lakh) 21 +É®ºÉä]Ò +Éè® 19B¡òB±ÉºÉÒ EòÉä Ê´ÉkÉÒªÉ ºÉ½ÉªÉiÉÉ Financial Assistance to 21 RSETIs & 19 FLCs 523.88 Ê{É{ÉÖ±ºÉ ¡òÉì® BÊxɨɱºÉ ¡Æòb ¨Éå +ƶÉnÉxÉ Contribution to People For Animals Fund 2.00 ®É¹]ÅÒªÉ JÉä±É Ê´ÉEòÉºÉ ÊxÉÊvÉ ¨Éå +ƶÉnÉxÉ Contribution to National Sports Development Fund 5.00 º´ÉSU MÉÆMÉÉ ÊxÉÊvÉ ¨Éå +ƶÉnÉxÉ Contribution to clean Ganga Fund 5.00 +OÉhÉÒ ÊVɱÉÉ ¨Éå +Éì±É¤ÉéEò ¤ÉÉʱÉEòÉ UÉjÉ´ÉÞÊkÉ ªÉÉäVÉxÉÉ AllBank Girl Child Scholarship Scheme in Lead District 58.71 ¤ÉéMɱÉÉä® ¨Éå ÊxɨÉÉÇhÉ ½äiÉÖ ®É¹]ÅÒªÉ ¯nºÉä]Ò +EòÉn¨ÉÒ ¨Éå nÉxÉ Donation to National Academy of RUDSETI (NAR) for Building at Bangalore 42.00 +±ÉEòÉ<Ç ¤±ÉÉìEò ºÉÉƺEÞòÊiÉEò +Éè® Eò±ªÉÉhÉEòÉ®Ò ºÉÆPÉ (IÉä¨É|ÉEòÉ {ÉÚ´ÉÇ) Alkai Block Cultural & Welfare Association (FGMO East) 0.15 ¤ÉɪÉÉä GòCºÉ Ê®´ÉºÉÇ ´ÉåËbMÉ ¨É¶ÉÒxÉ (nä½®ÉnÚxÉ, IÉä¨É|ÉEòÉ Ên±±ÉÒ) Bio Crux Reverse Vending Machine (Dehradun, FGMO Delhi) 4.48 ´ÉÖ¨ÉäxÉ ½É

1. b÷Ò+É

Gò¨É ºÉÆ. |ɶxÉ S.No. Questions EòÉ®úÉä¤ÉÉ®ú xÉèÊiÉEòiÉÉ Business Ethics Eò¨ÉÇúSÉÉ®úÒ Eò±ªÉÉhÉ of Employees Wellbeing {ɪÉÉÇú´É®úhÉ Environment ºÉÒBºÉ+É®ú CSR ºÉÉ´ÉÇVÉÊxÉEò xÉÒÊiÉ Public Policy OÉɽþEò ºÉƤÉÆvÉ Customer Relations =i{ÉÉnù =iiÉ®únùÉʪÉi´É Product Responsibility ¨ÉÉxÉ´ÉÉÊvÉEòÉ®ú Human Rights ¶ÉäªÉ®úvÉÉ®úEò ºÉä ºÉƤÉrùiÉÉ B´ÉÆ ºÉÒBºÉ+É®ú Engagement & CSR Stakeholder {ÉÒ/P {ÉÒ/P {ÉÒ/P {ÉÒ/P {ÉÒ/P {ÉÒ/P {ÉÒ/P {ÉÒ/P {ÉÒ/P 1 23456789 1. CªÉÉ +É{ÉEòÒ xÉÒÊiÉ/xÉÒÊiɪÉÉÆ ½éþ...? ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ Do you have policy/policies for....? Y Y Y Y Y Y Y Y Y 2. CªÉÉ ºÉƤÉÆÊvÉiÉ Ê½þiÉvÉÉ®úEòÉå Eäò {É®úɨɶÉÇ ºÉä xÉÒÊiÉ iÉèªÉÉ®ú EòÒ VÉÉ ®ú½þÒ ½èþ? ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ Has the policy being formulated in consulation Y Y Y Y Y Y Y Y Y with the relevant stakeholders? 3. CªÉÉ xÉÒÊiÉ ÊEòºÉÒ ®úɹ]ÅõÒªÉ/+ÆiÉ®ú®úɹ]ÅõÒªÉ ¨ÉÉxÉEòÉå Eäò +xÉÖ°ü{É ½èþ ? ªÉÊnù ½þÉÆ iÉÉä Ê´ÉÊxÉÌnù¹]õ Eò®åú? (50 ¶É¤nùÉå ¨Éå) ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ Does the policy conform to any national/ Y Y Y Y Y Y Y Y Y international standards? If yes, specify? (50 words) 4. CªÉÉ xÉÒÊiÉ ¤ÉÉäbÇ÷ uùÉ®úÉ +xÉÖ¨ÉÉäÊnùiÉ EòÒ VÉÉiÉÒ ½èþ? ªÉÊnù ½þÉÆ iÉÉä CªÉÉ <ºÉ {É® úB¨Éb÷Ò/º´ÉɨÉÒ/ºÉÒ<Ç+Éä/ºÉ¨ÉÖÊSÉiÉ ÊxÉnäù¶ÉEò ¨ÉÆb÷±É uùÉ®úÉ ½þºiÉÉIÉ®ú ÊEòB VÉÉiÉä ½éþ? ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ Has the policy being approved by the Board? Y Y Y Y Y Y Y Y Y Is yes, has it been signed by MD/owner/CEO/ appropriate Board Director? 5. CªÉÉ xÉÒÊiÉ Eäò EòɪÉÉÇx´ÉªÉxÉ EòÒ näùJÉ®äúJÉ ½äþiÉÖ EÆò{ÉxÉÒ Eäò ¤ÉÉäbÇ÷/ÊxÉnäù¶ÉEò/+ÊvÉEòÉ®úªÉÉå EòÒ EòÉä<Ç Ê´ÉÊxÉÌnù¹]õ ºÉʨÉÊiÉ ½èþ? ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ Does the comp[any have a specified committee Y Y Y Y Y Y Y Y Y of the Board/Director/Official to oversee the implementation of the policy? 6. xÉÒÊiÉ EòÉä +ÉxɱÉÉ

43 9. CªÉÉ xÉÒÊiÉ/xÉÒÊiɪÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ʽþiÉvÉÉ®úEòÉå EòÒ Ê¶ÉEòɪÉiÉÉå Eäò ºÉ¨ÉÉvÉÉxÉ ½äþiÉÖ xÉÒÊiÉ/xÉÒÊiɪÉÉå ºÉä ºÉƤÉÆÊvÉiÉ EÆò{ÉxÉÒ EòÉ EòÉä<Ç Ê¶ÉEòɪÉiÉ ÊxÉ´ÉÉ®úhÉ iÉÆjÉ ½èþ ? ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ ½þÉÆ Does the Company have a grievance Y Y Y Y Y Y Y Y Y redressal mechanism related to the policy/policies to address stakeholders' grievances related to the policy/policies. 10. CªÉÉ EÆò{ÉxÉÒ ÊEòºÉÒ +ÉÆiÉÊ®úEò +lÉ´ÉÉ ¤ÉÉÁ BVÉåºÉÒ ºÉä xÉÒÊiÉ Eäò EòɪÉÉÇx´ÉªÉxÉ Eäò ºÉƤÉÆvÉ º´ÉiÉÆjÉ ±ÉäJÉÉ{É®úÒIÉÉ/¨ÉÚ±ªÉÉÆEòxÉ Eò®úÉiÉÒ ½èþ ? xɽþÓ xɽþÓ xɽþÓ xɽþÓ xɽþÓ xɽþÓ xɽþÓ xɽþÓ xɽþÓ Has the company carried out independent audit/ N N N N N N N N N evaluation of the working of this policy by an internal or external agency?

2. Eò. ªÉÊnù Gò¨É ºÉÆJªÉÉ 1 ¨Éå ÊEòºÉÒ ÊºÉrùÉÆiÉ EòÉ =kÉ®ú ‘xɽþÓ’ ¨Éå ½èþ iÉÉä EòÉ®úhÉ 2a. If answer to S.No. 1 against any principle, is 'No', please º{ɹ]õ Eò®åú: explain why: (nùÉä Ê´ÉEò±{ÉÉå iÉEò ÊSɼxÉ ±ÉMÉÉBÆ) (Tick up to 2 options)

Gò¨É ºÉÆ. |ɶxÉ {ÉÒ {ÉÒ {ÉÒ {ÉÒ {ÉÒ {ÉÒ {ÉÒ {ÉÒ {ÉÒ S.No. Questions P P P P P P P P P 123456789 1. EÆò{ÉxÉÒ ÊºÉrùÉÆiÉÉå EòÉä xɽþÓ ºÉ¨ÉZÉø {ÉÉ<Ç The company has not understood the Principles

2. EÆò{ÉxÉÒ <ºÉ κlÉÊiÉ ¨Éå xɽþÓ ½èþ ÊEò ´É½þ Ê´ÉÊxÉÌnù¹]õ ʺÉrùÉÆiÉÉå {É®ú xÉÒÊiɪÉÉÆ iÉèªÉÉ®ú Eò®ú EòɪÉÉÇÎx´ÉiÉ Eò®ú ºÉEäò* The company is not at a stage where it finds itself in a position to formulate and implement the policies on specified principles +|ɪÉÉäVªÉ 3. EÆò{ÉxÉÒ Eäò {ÉÉºÉ <ºÉ EòɪÉÇ ½äþiÉÖ EòÉä<Ç Ê´ÉkÉÒªÉ +lÉ´ÉÉ VÉxɶÉÊHò »ÉÉäiÉ xɽþÓ ½éþ Not Applicable The company does not have financial or manpower resources available for the task

4. <ºÉä +MɱÉä Uô½þ ¨É½þÒxÉÉå ¨Éå EòɪÉÉÇÎx´ÉiÉ Eò®úxÉä EòÒ ªÉÉäVÉxÉÉ ½èþ* It is planned to be done within next 6 months

5. <ºÉä +MɱÉä BEò ´É¹ÉÇ ¨Éå EòɪÉÉÇÎx´ÉiÉ Eò®úxÉä EòÒ ªÉÉäVÉxÉÉ ½èþ* It is planned to be done within the next 1 year

6. EòÉä<Ç +xªÉ EòÉ®úhÉ(EÞò{ɪÉÉ Ê´ÉÊxÉÌnù¹]õ Eò®åú) Any other reason (please specify)

3. ¤ÉÒ+É®ú ºÉä ºÉƤÉÆÊvÉiÉ MÉ´ÉxÉçºÉ 3. Governance related to BR  EÆò{ÉxÉÒ Eäò ¤ÉÒ+É®ú EòɪÉÉÇÊxɹ{ÉÉnùxÉ EòÉ ÊxÉvÉÉÇ®úhÉ Eò®úxÉä ½äþiÉÖ ÊxÉnäù¶ÉEò ¨ÉÆb÷±É,  Indicate the frequency with which the Board of Directors, ¤ÉÉäbÇ÷ EòÒ ºÉʨÉÊiÉ +lÉ´ÉÉ ºÉÒ<Ç+Éä EòÒ ¤Éè`ööEòÉå EòÒ ¤ÉÉ®Æú¤ÉÉ®úiÉÉ ¤ÉiÉÉBÆ* 3 ¨Éɽþ Committee of the Board or CEO to assess the Eäò +Ænù®ú, 3-6 ¨Éɽþ Eäò +Ænù®ú, ´ÉÉ̹ÉEò, BEò ´É¹ÉÇ ºÉä +ÊvÉEò* BR performance of the Company. Within 3 months, 3-6 months, Annually, More than 1 year ´ÉÉ̹ÉEò °ü{É ºÉä Annually  CªÉÉ EÆò{ÉxÉÒ ¤ÉÒ+É®ú +lÉ´ÉÉ ºÉº]äõxÉäʤÉʱÉ]õÒ Ê®ú{ÉÉä]Çõ |ÉEòÉʶÉiÉ Eò®úiÉÒ ½èþ? <ºÉ  Does the Company publish a BR or a Sustainability Ê®ú{ÉÉä]Çõ EòÉä näùJÉxÉä EòÉ ½þÉ<{É®ú ˱ÉEò CªÉÉ ½èþ? <ºÉEäò |ÉEòɶÉxÉ EòÒ ¤ÉÉ®Æú¤ÉÉ®úiÉÉ Report? What is the hyperlink for viewing this report? CªÉÉ ½èþ? How frequently it is published? EÆò{ÉxÉÒ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò ´ÉÉ̹ÉEò Ê®ú{ÉÉä]Çõ Eäò ¦ÉÉMÉ Eäò °ü{É ¨Éå ¤ÉÒ+É®ú The company would be publishing BR report as a part of Ê®ú{ÉÉä]Çõ |ÉEòÉÊÉiÉ Eò®äúMÉÒ +Éè®ú ªÉ½þ ½þÉ<{É®ú˱ÉEò www.allahabadbank.in Annual Report for 2017-18 and the same will be available {É®ú ={ɱɤvÉ ½þÉäMÉÉ* under the hyperlink www.allahabadbank.in

44 JÉÆb÷ Ró : ʺÉrùÉÆiÉ ´ÉÉ®ú EòɪÉÇÊxɹ{ÉÉnùxÉ Section E: Principle-wise performance ʺÉrùÉÆiÉ 1: ´ªÉ´ÉºÉÉªÉ EòÉ ºÉÆSÉɱÉxÉ +Éè®ú +ÊvɶÉÉʺÉiÉÉ xÉèÊiÉEòiÉÉ, {ÉÉ®únù̶ÉiÉÉ Principle 1: Businesses should conduct and govern +Éè®ú =kÉ®únùÉʪÉi´É Eäò +xÉÖ°ü{É ÊEòªÉÉ VÉÉxÉÉ SÉÉʽþB* themselves with Ethics, Transparency and Accountability

1. CªÉÉ xÉèÊiÉEòiÉÉ, Ê®úú·ÉiÉ +Éè®ú §É¹]õÉSÉÉ®ú ºÉä ºÉƤÉÆÊvÉiÉ xÉÒÊiÉ Eäò´É±É EÆò{ÉxÉÒ 1. Does the policy relating to ethics, bribery and corruption iÉEò ºÉÒʨÉiÉ ½èþ? ½þÉÆ/xɽþÓ - ½þÉÆ cover only the company? Yes/No. - Yes CªÉÉ <ºÉEòÉ Ê´ÉºiÉÉ®ú ºÉ¨ÉÚ½þ/ºÉƪÉÖHò =t¨ÉÉå/ºÉ{±ÉɪɺÉÇ/`äöEäònùÉ®úÉå/BxÉVÉÒ+Éä/ Does it extend to the Group/Joint Ventures/ Suppliers/ +xªÉ iÉEò ½èþ? - xɽþÓ Contractors/NGOs /Others? - No

2. Ê´ÉMÉiÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ ¨Éå ¶ÉäªÉ®úvÉÉ®úEòÉå ºÉä ÊEòiÉxÉÒ Ê¶ÉEòɪÉiÉå |ÉÉ{iÉ ½Öþ<Ç 2. How many stakeholder complaints have been received +Éè®ú |ɤÉÆvÉxÉ uùÉ®úÉ ÊEòiÉxÉä |ÉÊiɶÉiÉ Ê¶ÉEòɪÉiÉÉå EòÉ ºÉÆiÉÉä¹ÉVÉxÉEò ÊxɺiÉÉ®úhÉ in the past financial year and what percentage was satisfactorily resolved by the management? If so, provide ÊEòªÉÉ MɪÉÉ? ªÉÊnù ½þÉÆ iÉÉä ±ÉMɦÉMÉ 50 ¶É¤nùÉå ¨Éå <ºÉEòÉ Ê´É´É®úhÉ nåù* details thereof, in about 50 words or so.

Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ Ê¶ÉEòɪÉiÉÉå EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ The details of Complaints during FY 18 are as under:-

Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò +É®Æú¦É Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nùÉè®úÉxÉ 31.03.2018 EòÉä ¨Éå ±ÉÆʤÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ |ÉÉ{iÉ Ê¶ÉEòɪÉiÉÉå EòÒ ÊxɺiÉÉÊ®úiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ªÉlÉÉκlÉÊiÉ ±ÉÆʤÉiÉ ºÉÆJªÉÉ ºÉÆJªÉÉ ºÉÆJªÉÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ Complaints Complaints Complaints pending at the received during Complaints resolved during pending as on beginning of the FY 18 31.03.2018 FY 18 OÉɽþEò/Customers 211* 14476 14553 134 ÊxÉ´Éä¶ÉEò/ Investors 01 277 278 Nil EÖò±É/ Total 212 14753 14831 134

ʽþiÉvÉÉ®úEòÉå EòÉä iÉi{É®ú +Éè®ú EòÉ®úMÉ®ú ºÉä´ÉÉ |ÉnùÉxÉ Eò®úxÉÉ ºÉ½þVÉ ¤ÉxÉÉxÉä Eäò In order to facilitate quick and efficient service to the =qäù¶ªÉ ºÉä <±ÉɽþɤÉÉnù ¤ÉéEò xÉä +{ÉxÉä |ÉvÉÉxÉ EòɪÉÉDZɪÉ, EòÉä±ÉEòÉiÉÉ ¨Éå OÉɽþEò shareholders, the Bank has set up Customers' Grievances ʶÉEòɪÉiÉ ÊxÉ´ÉÉ®úhÉ EòIÉ (ºÉÒVÉÒ+É®úºÉÒ) B´ÉÆ ÊxÉ´Éä¶ÉEò ʶÉEòɪÉiÉ EòIÉ ºlÉÉÊ{ÉiÉ Redressal Cell (CGRC) and Shares & Bonds Department at ÊEòªÉÉ ½èþ* OÉɽþEò, ¶ÉäªÉÉ®úvÉÉ®úEò +Éè®ú ÊxÉ´Éä¶ÉEò ÊEòºÉÒ ¦ÉÒ |ÉEòÉ®ú EòÒ ºÉ½þɪÉiÉÉ its Head Office, Kolkata. Customers, Shareholders and Eäò ʱÉB ðVÉÉÇ, VɱÉ, EòSSÉÉ ¨ÉÉ±É +ÉÊnù) Eäò ºÉƤÉÆvÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ Ê´É´É®úhÉ respect of resource use (energy, water, raw material etc.) per nåù (´ÉèEòα{ÉEò) unit of product(optional): i. Ê{ÉUô±Éä ´É¹ÉÇ ºÉä {ÉÚ®úÒ ¨ÉÚ±ªÉ ¸ÉÞÆJɱÉÉ ¨Éå |ÉÉ{iÉ »ÉÉäiÉ/=i{ÉÉnùxÉ/Ê´ÉiÉ®úhÉ ¨Éå i. Reduction during sourcing/production/ distribution Eò¨ÉÒ* achieved since the previous year throughout the value chain? ºÉä´ÉÉ ºÉÆMÉ`ööxÉ ½þÉäxÉä Eäò EòÉ®úhÉ ªÉ½þ JÉÆb÷ |ɪÉÉäVªÉ xɽþÓ ½èþ* Being a service organization this section is not applicable ii. Ê{ÉUô±Éä ´É¹ÉÇ ºÉä ={ɦÉÉäHòÉ+Éå uùÉ®úÉ ÊEòB MÉB ={ɪÉÉäMÉ (>ðVÉÉÇ, VɱÉ) Eäò ii. Reduction during usage by consumers (energy, water) nùÉè®úÉxÉ ½Öþ<Ç Eò¨ÉÒ has been achieved since the previous year? ºÉä´ÉÉ ºÉÆMÉ`öööxÉ ½þÉäxÉä Eäò EòÉ®úhÉ ªÉ½þ JÉÆb÷ |ɪÉÉäVªÉ xɽþÓ ½èþ* Being a service organization this section is not applicable. 3. CªÉÉ »ÉÉäiÉÉå EòÒ ÊxÉ®ÆúiÉ®úiÉÉ (]ÅõÉƺÉ{ÉÉä]æõ¶ÉxÉ ºÉʽþiÉ) ½äþiÉÖ EÆò{ÉxÉÒ EòÒ EòÉä<Ç 3. Does the company have procedures in place for sustainable EòɪÉÇ|ÉhÉɱÉÒ ½èþ? sourcing (including transportation)? i. ªÉÊnù ½þÉÆ iÉÉä +É{ÉEäò 10%). Also, |ÉÊiɶÉiÉ CªÉÉ ({ÉÞlÉEò °ü{É ºÉä ªÉlÉÉ <5%, 5-10%, >10%) ºÉÉlÉ ½þÒ ±ÉMɦÉMÉ 50 ¶É¤nùÉå ¨Éå Ê´É´É®úhÉ ={ɱɤvÉ Eò®úÉBÆ* provide details thereof, in about 50 words or so. +|ɪÉÉäVªÉ Not Applicable ʺÉrùÉÆiÉ 3. ´ªÉ´ÉºÉÉªÉ EòÉ ºÉÆ´ÉvÉÇxÉ ºÉ¦ÉÒ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ ¦É±ÉÉ<Ç Eäò ʱÉB Principle 3 Businesses should promote the wellbeing of ½þÉäxÉÉ SÉÉʽþB* all employees 1. EÞò{ɪÉÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ EÖò±É ºÉÆJªÉÉ nù¶ÉÉÇBÆ: 23967 1. Please indicate the Total number of employees : 23967 2. EÞò{ɪÉÉ +ºlÉÉ<Ç/ºÉÆÊ´ÉnùÉMÉiÉ/nèùÊxÉEò +ÉvÉÉ®ú {É®ú ʱÉB MÉB Eò¨ÉÇSÉÉÊ®úªÉÉå 2. Please indicate the Total number of employees hired on EòÒ EÖò±É ºÉÆJªÉÉ ¤ÉiÉÉBÆ: ¶ÉÚxªÉ temporary/contractual/casual basis : Nil 3. EÞò{ɪÉÉ ºlÉÉ<Ç ¨Éʽþ±ÉÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ ºÉÆJªÉÉ nù¶ÉÉÇBÆ: 5057 3. Please indicate the Number of permanent women employees : 5057 4. EÞò{ɪÉÉ ºlÉÉ<Ç Ê´ÉEò±ÉÉÆMÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ ºÉÆJªÉÉ nù¶ÉÉÇBÆ: 661 4. Please indicate the Number of permanent employees with disabilities : 661 5. CªÉÉ |ɤÉÆvÉxÉ uùÉ®úÉ ¨ÉÉxªÉiÉÉ|ÉÉ{iÉ EòÉä<Ç Eò¨ÉÇSÉÉ®úÒ ºÉÆMÉ`öxÉ ½è?þ 5. Do you have an employee association that is recognized by management? ½þÉÆ,

2. ªÉÉèxÉ =i{ÉÒc÷xÉ / Sexual harassment 03 ¶ÉÚxªÉ/NIL

3. ®úÉäVÉMÉÉ®ú ¨Éå ¦Éänù¦ÉÉ´É/ Discriminatory employment ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 8. +É{ÉEäò +ÆiÉMÉÇúiÉ ´ÉÌhÉiÉ ÊEòiÉxÉä |ÉÊiɶÉiÉ Eò¨ÉÇSÉÉÊ®úªÉÉäÆ EòÉä Ê{ÉUô±Éä ´É¹ÉÇú 8. What percentage of your under mentioned employees ºÉÖ®úÊIÉiÉ ÊEòªÉÉ MɪÉÉ? were given safety and skill up-gradation training in the last year? ºlÉÉ<Ç Eò¨ÉÇSÉÉ®úÒ  : 34.18%  Permanent Employees : 34.18%  ºlÉÉ<Ç ¨Éʽþ±ÉÉ Eò¨ÉÇSÉÉ®úÒ : 25.23%  Permanent Women Employees : 25.23%  +ÊxɪÉʨÉiÉ /+ºlÉɪÉÒ /ºÉÆÊ´ÉnùÉMÉiÉ Eò¨ÉÇSÉÉ®úÒ : ¶ÉÚxªÉ  Casual/Temporary/Contractual Employees : Nil   Ê´ÉEò±ÉÉÆMÉ Eò¨ÉÇSÉÉ®úÒ : 18.46% Employees with Disabilities : 18.46%

ʺÉrùÉÆiÉ 4: ´ªÉ´ÉºÉÉªÉ ºÉ¦ÉÒ Ê½þiÉvÉÉ®úEòÉå EòÉä ʴɶÉä¹ÉEò®ú ´ÉÆÊSÉiÉ, +ºÉÖ®úÊIÉiÉ Principle 4: Businesses should respect the interests of and be +Éè®ú ½þÉʶÉB {É®ú ®ú½þxÉä´ÉɱÉÉå Eäò ʽþiÉÉå EòÉ ºÉ¨¨ÉÉxÉ Eò®úxÉä ´ÉɱÉÉ +Éè®ú =xÉEäò responsive towards all stakeholders, especially those who are |ÉÊiÉ +xÉÖEÚò±É ½þÉäxÉÉ SÉÉʽþB* disadvantaged, vulnerable and marginalized 1. CªÉÉ EÆò{ÉxÉÒ xÉä +{ÉxÉä +ÉÆiÉÊ®úEò +Éè®ú ¤ÉÉÁ ʽþiÉvÉÉ®úEòÉå EòÉ JÉÉEòÉ 1. Has the company mapped its internal and external iÉèªÉÉ®ú ÊEòªÉÉ ½èþ? ½þÉÆ/xɽþÓ stakeholders? Yes/No ½þÉÆ, ¤ÉéEò Eäò ʽþiÉvÉÉ®úEòÉå ¨Éå ºÉ®úEòÉ®ú, ÊxÉ´Éä¶ÉEò, ¤ÉéEò Eäò Eò¨ÉÇSÉÉ®úÒ +Éè®ú Yes. The stake holders of the Bank include Government OÉɽþEò ¶ÉÉÊ¨É±É ½éþ* of India, Investors, and Employees and Customers of the Bank. 2. ={ɪÉÖÇHò ¨Éå ºÉä CªÉÉ EÆò{ÉxÉÒ xÉä ´ÉÆÊSÉiÉ, +ºÉÖ®úÊIÉiÉ +Éè®ú ½þÉʶÉB {É®ú 2. Out of the above, has the company identified the ®ú½þxÉä´ÉɱÉä ʽþiÉvÉÉ®úEòÉå EòÒ {ɽþSÉÉxÉ EòÒ ½èþ* disadvantaged, vulnerable and marginalized stakeholders? ¤ÉéEò +{ÉxÉä OÉɽþEòÉå EòÉä ¤ÉÒºÉÒBºÉ¤ÉÒ+É<Ç EòÉäb÷ Eäò +xÉÖºÉÉ®ú ºÉÉ´ÉvÉÉxÉÒ{ÉÚ´ÉÇEò The Bank is committed to serve its customers ºÉä´ÉÉ |ÉnùÉxÉ Eò®úxÉä ½äþiÉÖ |ÉÊiɤÉrù ½èþ* ¤ÉéEò xÉä ´ÉÆÊSÉiÉ, +ºÉÖ®úÊIÉiÉ +Éè®ú ½þÉÊÉB meticulously as per the BCSBI code. The Bank has {É®ú ®ú½þxÉä´ÉɱÉä ʽþiÉvÉÉ®úEòÉå EòÒ {ɽþSÉÉxÉ EòÒ ½èþ*

ʺÉrùÉÆiÉ 5:´ªÉ´ÉºÉÉªÉ ¨ÉÉxÉ´É +ÊvÉEòÉ®úÉå Eäò ºÉ¨¨ÉÉxÉ +Éè®ú ºÉÆ´ÉvÉÇxÉ ½äþiÉÖ ½þÉäxÉÉ Principle 5: Businesses should respect and promote SÉÉʽþB human rights

1. CªÉÉ EÆò{ÉxÉÒ EòÒ ¨ÉÉxÉ´É +ÊvÉEòÉ®ú xÉÒÊiÉ Eäò´É±É EÆò{ÉxÉÒ EòÉä ¶ÉÉÊ¨É±É 1. Does the policy of the company on human rights cover Eò®úiÉÒ ½èþ +lÉ´ÉÉ <ºÉEòÉ Ê´ÉºiÉÉ®ú ºÉ¨ÉÚ½þ/ºÉƪÉÖHò =t¨ÉÉå/ºÉ{±ÉɪɺÉÇ/ only the company or extend to the Group/Joint Ventures/ `äöEäònùÉ®úÉå/BxÉVÉÒ+Éä/+xªÉ {É®ú ¦ÉÒ ½èþ? Suppliers/Contractors/NGOs/Others?

47 ¤ÉéEò ¦ÉÉ®úiÉ Eäò ºÉÆÊ´ÉvÉÉxÉ ¨Éå =α±ÉÊJÉiÉ ¨ÉÉxÉ´É +ÊvÉEòÉ®úÉå ºÉä +´ÉMÉiÉ ½èþ The Bank is aware of the human rights content of the +Éè®ú BºÉÉäʺÉB¶ÉxÉÉå EòÒ º´ÉiÉÆjÉiÉÉ +Éè®ú ºÉɨÉÚʽþEòþ ´ÉÉiÉÉÇ EòÉ ºÉ¨¨ÉÉxÉ Constitution of India and respects the freedom of Eò®úiÉÉ ½èþ* ¤ÉéEò ¨ÉÚ±É ®úɹ]ÅõÒªÉiÉÉ, xÉÉMÉÊ®úEòiÉÉ, ®ÆúMÉ, VÉÉÊiÉ, +ɺlÉÉ, associations and the right to collective bargaining. The vɨÉÇ, ´ÉƶÉGò¨É, ´Éè´ÉÉʽþEò κlÉÊiÉ, ʱÉÆMÉ, Ê´ÉEò±ÉÉÆMÉiÉÉ, =©É, ªÉÉèxÉ Bank does not discriminate on the basis of national origin, +ʦÉÊ´ÉxªÉɺÉ, VÉx¨ÉºlÉÉxÉ, ºÉɨÉÉÊVÉEò ºiÉ®ú ªÉÉ Ê´ÉÊvÉ uùÉ®úÉ ÊxÉʹÉrù citizenship, color, race, belief, religion, ancestry, marital status, gender, disabilities, age, sexual orientation, place ÊEòºÉÒ +xªÉ +ÉvÉÉ®ú {É®ú EòÉä<Ç ¦Éänù¦ÉÉ´É xɽþÓ Eò®úiÉÉ* of birth, social status, or any other basis prohibited by the law. 2. Ê´ÉMÉiÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ ¨Éå ʽþiÉvÉÉ®úEòÉå ºÉä ÊEòiÉxÉÒ Ê¶ÉEòɪÉiÉå |ÉÉ{iÉ ½Öþ<Ç ½éþ 2. How many stakeholder complaints have been received +Éè®ú |ɤÉÆvÉxÉ uùÉ®úÉ ÊEòiÉxÉä |ÉÊiɶÉiÉ EòÉ ºÉÆiÉÉä¹ÉVÉxÉEò ÊxɺiÉÉ®úhÉ ÊEòªÉÉ in the past financial year and what percent was MɪÉÉ ½èþ* satisfactorily resolved by the management? Ê´ÉkÉÒªÉ ´É¹ÉÇ 2018 Eäò nùÉè®úÉxÉ OÉɽEòÉå ºÉä EÖò±É |ÉÉ{iÉ +Éè®ú ÊxɺiÉÉÊ®úiÉ The total number of customer complaints received and ʶÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ Gò¨É¶É: 14476 +Éè®ú 14553 ½èþ (Ê{ÉU±Éä redressed during FY18 was 14476 and 14553 (including Ê´ÉkÉÒªÉ ´É¹ÉÇ Eäò ʶÉEòɪÉiÉÉå ºÉʽiÉ)* 99.09% ÊxɺiÉÉÊ®iÉ spill-over complaints of the previous financial year) respectively. Resolved 99.09% Ê´ÉkÉÒªÉ ´É¹ÉÇ 2018 Eäò nùÉè®úÉxÉ ¶ÉäªÉ®úvÉÉ®úEòÉå ºÉä EÖò±É 277 ʶÉEòɪÉiÉå Number of investors' complaints received during FY18 |ÉÉ{iÉ ½Öþ<Ç ½éþ +Éè® Ê´ÉkÉÒªÉ ´É¹ÉÇ 2018 Eäò |ÉÉ®Æ¦É ¨Éå 1ʶÉEòɪÉiÉ ±ÉÆʤÉiÉ was 277 and 1 complaint was pending at the beginning of lÉÒ; +Éè® ðVÉÉÇ {ÉÊ®úªÉÉäVÉxÉÉ+Éå, ¤ÉɪÉÉä¨ÉɺÉ, UôÉä]äõ No. However the Bank has financed many Solar Power VÉ±É +Éè®ú ´ÉɪÉÖ ¶ÉÊHò {ÉÊ®úªÉÉäVÉxÉÉ+Éå EòÉ Ê´ÉkÉ{ÉÉä¹ÉhÉ Eò®úiÉÉ ½èþ ªÉä ºÉ¦ÉÒ projects, Biomass, Small Hydro and Wind Power projects, {ÉÊ®úªÉÉäVÉxÉÉBÆ xÉ´ÉÒEò®úhÉÒªÉ >ðVÉÉÇ {ÉÊ®úªÉÉäVÉxÉÉBÆ ½èþ* all of which are renewable energy projects. 6. CªÉÉ Ê´ÉkÉ ´É¹ÉÇ ½äþiÉÖ ºÉÒ{ÉÒºÉÒ¤ÉÒ/BºÉ{ÉÒºÉÒ¤ÉÒ uùÉ®úÉ +xÉÖ¨ÉiÉ ºÉÒ¨ÉÉ Eäò 6. Are the Emissions/Waste generated by the company

48 +Ænù®ú EÆò{ÉxÉÒ uùÉ®úÉ ÊEòB MÉB =iºÉVÉÇxÉ/EòSÉ®äú Eäò ºÉƤÉÆvÉ ¨Éå Ê®ú{ÉÉä]Çõ EòÒ within the permissible limits given by CPCB/SPCB for VÉÉ ®ú½þÒ ½èþ? the financial year being reported? ¤ÉéEò ºÉä´ÉÉ +ÉvÉÉÊ®úiÉ ºÉÆMÉ`öxÉ ½èþ +iÉ& ºÉÒ{ÉÒºÉÒ¤ÉÒ /BºÉ{ÉÒºÉÒ¤ÉÒ <ºÉ¨Éå The Bank is a service based organization and hence the |ɪÉÉäVªÉ xɽþÓ ½èþ* CPCB/ SPCB is not applicable to it. 7. Ê´ÉkÉÒªÉ ´É¹ÉÇ Eäò +ÆiÉ ¨Éå ºÉÒ{ÉÒºÉÒ¤ÉÒ/BºÉ{ÉÒºÉÒ¤ÉÒ ºÉä |ÉÉ{iÉ ±ÉÆʤÉiÉ (+lÉÉÇiÉ 7. Number of show cause/ legal notices received from ºÉÆiÉÉä¹ÉVÉxÉEò fÆøMÉ ºÉä ÊxɺiÉÉÊ®úiÉ xÉ ÊEòB MÉB) EòÉ®úhÉ ¤ÉiÉÉ+Éå/Ê´ÉÊvÉEò CPCB/SPCB which are pending (i.e. not resolved to xÉÉäÊ]õºÉÉå EòÒ ºÉÆJªÉÉ* satisfaction) as end of Financial Year. +|ɪÉÉäVªÉ Not applicable ʺÉrùÉÆiÉ 7: ´ªÉ´ÉºÉÉªÉ VÉ¤É |ɦÉÉ´ÉEòÉ®úÒ ºÉÉ´ÉÇVÉÊxÉEò +Éè®ú Ê´ÉÊxɪÉɨÉEò xÉÒÊiÉ Principle 7: Businesses, when engaged in influencing ºÉä ºÉƤÉrù ½þÉä iÉÉä ÊVɨ¨ÉänùÉ®úÒ ºÉä EòɪÉÇ Eò®úxÉÉ SÉÉʽþB* public and regulatory policy, should do so in a responsible manner 1. CªÉÉ +É{ÉEòÒ EÆò{ÉxÉÒ ÊEòºÉÒ ´ªÉÉ{ÉÉ®ú +Éè®ú SÉ䨤ɮú +lÉ´ÉÉ BºÉÉäʺÉB¶ÉxÉ 1. Is your company a member of any trade and chamber or EòÒ ºÉnùºªÉ ½èþ? ªÉÊnù ½þÉÆ iÉÉä Eäò´É±É =xÉ |ɨÉÖJÉ ºÉƺlÉÉ+Éå EòÉ xÉÉ¨É nåù association? If Yes, Name only those major ones that ÊVÉxÉEäò ºÉÉlÉ +É{É EòÉ®úÉä¤ÉÉ®ú Eò®úiÉä ½éþ* your business deals with: ¤ÉéEò ÊxɨxÉʱÉÊJÉiÉ EòÉ ºÉnùºªÉ ½èþ The Bank is a member of: Eò. ¦ÉÉ®úiÉÒªÉ ¤ÉéEò ºÉÆPÉ(+É<ǤÉÒB) a. Indian Banks' Association (IBA) JÉ. BäºÉÉäSÉä¨É b. ASSOCHAM MÉ. EòÉx¡äòb÷®ä¶ÉxÉ +É¡ò <ÆÊb÷ªÉxÉ <Æb÷º]ÅõÒVÉ (ºÉÒ+É<Ç+É<Ç) c. Confederation of Indian Industries (CII) PÉ. <ÆÊb÷ªÉxÉ SÉ䨤ɮú +Éì¡ò EòɨɺÉÇ (+É<ǺÉÒºÉÒ) d. Indian Chambers of Commerce (ICC) R. B¨ÉºÉÒºÉÒ SÉ䨤ɮú +É¡ò EòɨɺÉÇ BÆb÷ <Æb÷º]ÅõÒVÉ e. MCC Chamber of Commerce and Industry SÉ. ¤ÉÆMÉÉ±É xÉä¶ÉxÉ±É SÉ䨤ɮú +É¡ò EòɨɺÉÇ BÆb÷ <Æb÷º]ÅõÒVÉ f. Bengal National Chamber of Commerce and Industry 2. CªÉÉ +É{ÉxÉä ºÉÉ´ÉÇVÉÊxÉEò ¨ÉÉ±É ¨Éå =zÉÊiÉ ªÉÉ ºÉÖvÉÉ®ú ½äþiÉÖ =Hò BºÉÉäʺÉB¶ÉxÉÉå 2. Have you advocated/lobbied through above associations Eäò ¨ÉÉvªÉ¨É ºÉä ´ÉEòɱÉiÉ/±ÉɤÉÒ EòÒ ½èþ? ½þÉÆ/xɽþÓ ªÉÊnù ½þÉÆ iÉÉä ´ªÉÉ{ÉEò for the advancement or improvement of public good? Yes/ No; if yes specify the broad areas ( drop box: Governance IÉäjÉ Ê´ÉÊxÉÌnù¹]õ Eò®äú (bÅ÷É{É ¤ÉÉCºÉ, MÉ´ÉxÉçºÉ B´ÉÆ |ɶÉɺÉxÉ, +ÉÌlÉEò and Administration, Economic Reforms, Inclusive ºÉÖvÉÉ®ú, ºÉ¨ÉÉ´Éä¶ÉÒ Ê´ÉEòÉºÉ xÉÒÊiɪÉÉÆ, >ðVÉÉÇ ºÉÖ®úIÉÉ, VɱÉ, JÉÉt ºÉÖ®úIÉÉ, Development Policies, Energy security, Water, Food vÉÉ®úhÉÒªÉ ´ªÉɴɺÉÉʪÉEò ʺÉrùÉÆiÉ, +xªÉ) Security, Sustainable Business Principles, Others) ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É® +É<ǤÉÒB ºÉä |ÉÉ{iÉ Ên¶ÉÉÊxÉnæ¶ÉÉå EòÉ ¤ÉéEò uÉ®É ºÉ¨ÉÖÊSÉiÉ Guidelines received from IBA from time to time are +xÉÖ{ÉɱÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½è* followed meticulously by the Bank. ʺÉrùÉÆiÉ 8: ´ªÉ´ÉºÉÉªÉ EòÉä ºÉ¨ÉÉ´Éä¶ÉÒ ´ÉÞÊrù +Éè®ú ºÉÉΨªÉEò Ê´ÉEòÉºÉ EòÉ Principle 8: Businesses should support inclusive growth ºÉ¨ÉlÉÇxÉ Eò®úxÉÉ SÉÉʽþB and equitable development 1. CªÉÉ EÆò{ÉxÉÒ Eäò {ÉÉºÉ ÊºÉrùÉÆiÉ 8 ºÉä ºÉƤÉÆÊvÉiÉ xÉÒÊiÉ Eäò +xÉֺɮúhÉ ¨Éå 1. Does the company have specified programmes/ EòÉä<Ç Ê´ÉÊxÉÌnù¹]õ EòɪÉÇGò¨É:{ɽþ±É/{ÉÊ®úªÉÉäVÉxÉÉBÆ ½é ªÉÊnù ½þÉÆ iÉÉä =ºÉEòÉ initiatives/projects in pursuit of the policy related to Ê´É´É®úhÉ nåù* Principle 8? If yes details thereof. ÊEòºÉÒ ¦ÉÒ näù¶É EòÉ Ê´ÉEòÉºÉ iÉ¤É iÉEò +vÉÚ®úÉ ½èþ VÉ¤É iÉEò ´É½þ ºÉ¨ÉÉ´Éä¶ÉÒ Development in any country is incomplete if it is not inclusive and does not cover the underprivileged strata xɽþÓ ½èþ +Éè®ú ºÉ¨ÉÉVÉ Eäò ´ÉÆÊSÉiÉ ´ÉMÉÇ EòÉä ¶ÉÉÊ¨É±É xɽþÓ Eò®úiÉÉ* ¤ÉéEò of the society. Banks through its various initiatives are +{ÉxÉÒ Ê´ÉʦÉzÉ {ɽþ±ÉÉå ºÉä

 ¤ÉéEò xÉä ºÉÊGòªÉ °ü{É ºÉä Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ EòÉä ºÉÆ´ÉÌvÉiÉ ÊEòªÉÉ ½èþ +Éè®ú  The Bank has actively promoted financial inclusion 17732 +ÉÆʤÉ]õiÉ OÉɨÉÉå EòÉä OÉɨÉÒhÉ IÉäjÉÉå ¨Éå 4355 (={É ºÉä´ÉÉ IÉäjÉÉå- programme and has covered 17732 allocated villages BºÉBºÉB) ÊEòªÉÉäºEò +Éè®ú ¶É½þ®úÒ IÉäjÉÉå ¨Éå 708 ÊEòªÉÉäºEò uùÉ®úÉ Eò´É®ú mapped to 4355 (Sub Service Areas-SSAs) Kiosks in ÊEòªÉÉ ½èþ iÉÉÊEò +{ÉxÉä Uô½þ ºÉä´ÉÉ |ÉnùÉiÉÉ+Éå, VÉÉä ´ªÉ´ÉºÉÉªÉ |ÉÊiÉÊxÉÊvÉ Rural areas and 708 Kiosks in urban areas to reach the ÊxɪÉÖHò Eò®úiÉä ½éþ, Eäò ¨ÉÉvªÉ¨É ºÉä ºÉ¨ÉÉVÉ Eäò ¤ÉéEò ®úʽþiÉ, ´ÉÆÊSÉiÉ +Éè®ú unbanked, deprived, underprivileged segment of the society through its Six Service Providers who engage +±{ɺÉÖÊ´ÉvÉÉ ´ÉɱÉä ´ÉMÉÇ iÉEò {ɽÖÆþSÉ ¤ÉxÉÉ<Ç VÉÉ ºÉEäò* Business Correspondents.  Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ EòɪÉÇGò¨É EòÉä 24x7 +ÉxɱÉÉ

 {ÉÒB¨ÉVÉäb÷Ò´ÉÉ<Ç ªÉÉäVÉxÉÉ +Éè®ú ¤ÉÒBºÉ¤ÉÒb÷Ò JÉÉiÉä JÉÉä±ÉxÉä Eäò +ÆiÉMÉÇiÉ  All the households in our command area have been ½þ¨ÉÉ®äú Eò¨ÉÉxÉ IÉäjÉ ¨Éå ºÉ¦ÉÒ {ÉÊ®ú´ÉÉ®úÉå EòÉä ºÉ¨ÉÉʴɹ]õ ÊEòªÉÉ MɪÉÉ ½èþ* covered under PMJDY scheme and opening BSBD Accounts.  31.03.2018 iÉEò ¤ÉéEò xÉä {ÉÒB¨ÉVÉäb÷Ò´ÉÉ<Ç Eäò +ÆiÉMÉÇiÉ EÖò±É 75.98  Bank has opened a total of 75.98 lac accounts under ±ÉÉJÉ JÉÉiÉä JÉÉä±Éä VÉÉä `2137.90 Eò®Éäc ¶Éä¹É ºÉʽiÉ 99.46% PMJDY up to 31.03.2018, securing First Rank amongst ºÉÊGòªÉ JÉÉiÉÉå Eäò ºÉÉlÉ ºÉ¦ÉÒ ¤ÉéEòÉå Eäò ¤ÉÒSÉ |ÉlÉ¨É ºlÉÉxÉ |ÉÉ{iÉ ÊEòªÉÉ ½è* all banks at 99.46% active accounts with balance of Rs. 2137.90 crores.

49 • ¤ÉéEò xÉä ¤ÉéEò ʨÉjÉ EäòxpÉå {É® ÊbÊVÉ]±É =i{ÉÉnÉå Eäò ºÉÉlÉ-ºÉÉlÉ ¤ÉéEò  Bank has embraced Deepening of Financial Inclusion & näªÉiÉÉ+Éå EòÒ ´ÉºÉÚ±ÉÒ ºÉʽiÉ ¤É½ÖiÉɪÉiÉ VɨÉÉ =i{ÉÉn VÉèºÉä ÊEò BºÉ¤ÉÒ, Digitalization process by offering Plethora of Deposit Products like SB, RD & FD at Bank Mitra points along +É®bÒ +Éè® B¡òbÒ |ɺiÉÖiÉ Eò® Ê´ÉkÉÒªÉ ºÉ¨ÉÉ´Éä¶ÉxÉ +Éè® ÊbÊVÉ]±ÉÉDirect Benefit Transfer scheme has already been rolled MÉ<Ç* out and gained momentum in the Bank.

 ¤ÉéEò EòÒ {ɽþ±É Eäò i´ÉÊ®úiÉ |ɦÉÉ´É EòÉ ÊxÉvÉÉÇ®úhÉ <ºÉEäò |ɦÉÉ´É IÉäjÉ +Éè®ú ¤Éc÷Ò  A quick impact assessment of Bank's initiatives is evident ºÉÆJªÉÉ ¨Éå +vÉÇ ºÉÉIÉ®ú ´ªÉÊHòªÉÉäÆ uùÉ®úÉ {ÉÚ®äú Ê´É·ÉÉºÉ Eäò ºÉÉlÉ ¤ÉéEò JÉÉiÉÉå EòÉ from a larger number of semi-literate/illiterate customers {ÉÊ®úSÉɱÉxÉ ÊEòB VÉÉxÉä ºÉä º{ɹ]õ ½èþ* +É®úºÉä]õÒ uùÉ®úÉ ÊnùB MÉB ´ªÉɴɺÉÉʪÉEò are now confidently operating their Bank accounts. The |ÉʶÉIÉhÉ ºÉä ¤Éc÷Ò ºÉÆJªÉÉ ¨Éå (ʴɶÉä¹ÉEò®ú ¨Éʽþ±ÉÉBÆ) =t¨ÉÒ ¤ÉxÉ MÉ<Ç ½éþ +Éè®ú vocational trainings given by the RSETIs have allowed large numbers of youth (especially women) to become =xɨÉå ºÉä +ÊvÉEòÉÆ¶É xÉä ºÉ¡ò±ÉiÉÉ{ÉÚ´ÉÇEò ¤ÉéEò @ñhÉ |ÉÉ{iÉ ÊEòªÉÉ ½èþ* entrepreneurs and most of them have also successfully availed bank credit. 4. ºÉɨÉÖnùÉʪÉEò Ê´ÉEòÉºÉ EòɪÉÇGò¨ÉÉå ¨Éå +É{ÉEòÒ EÆò{ÉxÉÒ EòÉ |ÉiªÉIÉ ªÉÉäMÉnùÉxÉ 4. What is your company's direct contribution to community CªÉÉ ½èþ* ®úÉ榃 ¦ÉÉ®úiÉÒªÉ ¯û{ÉB ¨Éå +Éè®ú ¶ÉÖ¯û EòÒ MÉ<Ç {ÉÊ®úªÉÉäVÉxÉÉ+Éå EòÉ development projects-Amount in INR and the details of ¤ªÉÉè®úÉ* the projects undertaken? Ê´ÉkÉÒªÉ ´É¹ÉÇ 18 Eäò nÉè®ÉxÉ ºÉɨÉÖnÉʪÉEò Ê´ÉEòÉºÉ ¨Éå `645.77 ±ÉÉJÉ During FY18, expenditure of ` 645.77 lakh was incurred JÉSÉÇ ÊEòªÉÉ MɪÉÉ* <ºÉEòÉ Ê´É´É®hÉ ÊxɨxÉÉxÉÖºÉÉ® ½è: towards community development. The details are as under:

50 ªÉÉäVÉxÉÉ/ÊxÉÊvÉ Scheme/ Funds ®É榃 (±ÉÉJÉ ¨Éå) Amount (Rs. lakh) 21 +É®ºÉä]Ò +Éè® 19 B¡òB±ÉºÉÒ EòÉä Ê´ÉkÉÒªÉ ºÉ½ÉªÉiÉÉ Financial Assistance to 21 RSETIs & 19 FLCs 523.88 Ê{É{ÉÖ±ºÉ ¡òÉì® BÊxɨɱºÉ ¡Æòb ¨Éå +ƶÉnÉxÉ Contribution to People For Animals Fund 2.00 ®É¹]ÅÒªÉ JÉä±É Ê´ÉEòÉºÉ ÊxÉÊvÉ ¨Éå +ƶÉnÉxÉ Contribution to National Sports Development Fund 5.00 º´ÉSU MÉÆMÉÉ ÊxÉÊvÉ ¨Éå +ƶÉnÉxÉ Contribution to clean Ganga Fund 5.00 +OÉhÉÒ ÊVɱÉÉ ¨Éå +Éì±É¤ÉéEò ¤ÉÉʱÉEòÉ UÉjÉ´ÉÞÊkÉ ªÉÉäVÉxÉÉ AllBank Girl Child Scholarship Scheme in Lead District 58.71 ¤ÉéMɱÉÉä® ¨Éå ÊxɨÉÉÇhÉ ½äiÉÖ ®É¹]ÅÒªÉ ¯nºÉä]Ò +EòÉn¨ÉÒ ¨Éå nÉxÉ Donation to National Academy of RUDSETI (NAR) for Building at Bangalore 42.00 +±ÉEòÉ<Ç ¤±ÉÉìEò ºÉÉƺEÞòÊiÉEò +Éè® Eò±ªÉÉhÉEòÉ®Ò ºÉÆPÉ (IÉä¨É|ÉEòÉ {ÉÚ´ÉÇ) Alkai Block Cultural & Welfare Association (FGMO East) 0.15 ¤ÉɪÉÉä GòCºÉ Ê®´ÉºÉÇ ´ÉåËbMÉ ¨É¶ÉÒxÉ (nä½®ÉnÚxÉ, IÉä¨É|ÉEòÉ Ên±±ÉÒ) Bio Crux Reverse vending Machine (Dehradun, FGMO Delhi) 4.48 ´ÉÖ¨ÉäxÉ ½É

5. +É{ÉxÉä ªÉ½þ ºÉÖÊxÉζSÉiÉ Eò®úxÉä Eäò ʱÉB CªÉÉ Eònù¨É =`ööÉB ½éþ ÊEò <ºÉ 5. Have you taken steps to ensure that this community ºÉɨÉÖnùÉʪÉEò Ê´ÉEòÉºÉ {ɽþ±É EòÉä ºÉ¨ÉÖnùÉªÉ uùÉ®úÉ ºÉ¡ò±ÉiÉÉ{ÉÚ´ÉÇEò +{ÉxÉɪÉÉ development initiative is successfully adopted by the MɪÉÉ ½èþ? EÞò{ɪÉÉ ±ÉMɦÉMÉ 50 ¶É¤nùÉå ¨Éå Ê´É´É®úhÉ nåù* community? Please explain in 50 words, or so. ½þ¨ÉÉ®äú +OÉhÉÒ ¤ÉéEò EòIÉ, ¤ÉéEò uùÉ®úÉ EòÒ MÉ<Ç ={ɪÉÖÇHò {ɽþ±É EòÒ |ÉMÉÊiÉ Our Lead Bank Cells (LBCs) track the progress and effect +Éè®ú |ɦÉÉ´É ºÉÖÊxÉÎSÉiÉ Eò®úxÉä Eäò ʱÉB

51 31.03.2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ (ºÉ¨ÉäÊEòiÉ) ¤ÉɺÉä±É-III EòÒ ºÉÆ®úSÉxÉÉ Eäò +ÆiÉMÉÇiÉ ºiɨ¦É-IIIú |ÉEò]õÒEò®úhÉ ¤ÉéËEòMÉ ºÉ¨ÉÚ½þ Eäò |ɨÉÖJÉ EòÉ xÉÉ¨É ÊVÉºÉ {É®ú ºÉÆ®úSÉxÉÉ |ɪÉÉäVªÉ ½èþ <±ÉɽþɤÉÉnù ¤ÉéEò ºÉÉ®úhÉÒ b÷ÒB¡ò-1 |ɪÉÉäVªÉiÉÉ EòÒ ºÉƦÉÉ´ÉxÉÉ (I). MÉÖhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ B. ºÉ¨ÉäEòxÉ ½äþiÉÖ Ê´ÉSÉÉ®ú ÊEòB MÉB ºÉƺlÉÉ+Éå Eäò ºÉ¨ÉÚ½þ EòÒ ºÉÚSÉÒ ºÉƺlÉÉ EòÉ xÉɨÉ/ ºÉ¨ÉäEòxÉ EòÒ ±ÉäJÉÉ ºÉ¨ÉäEòxÉ EòÒ ºÉ¨ÉäEòxÉ EòÒ ºÉ¨ÉäEòxÉ EòÒ ºÉ¨ÉäEòxÉ EòÒ {ÉrùÊiÉ ù ºÉ¨ÉäEòxÉ EòÒ ÊEòºÉÒ BEò ºÉƦÉÉ´ÉxÉÉ Eäò ºÉƦÉÉ´ÉxÉÉ Eäò +ÆiÉMÉÇiÉ ÊxÉMɨÉxÉ EòÉ näù¶É {ÉrùÊiÉ Ê´ÉÊxɪÉɨÉEò ºÉƦÉÉ´ÉxÉÉ {ÉrùÊiÉ ¨Éå +ÆiÉ®ú EòÉ ºÉ¨ÉäEòxÉ ÊEòªÉÉ MɪÉÉ ½èþ, +ÆiÉMÉÇiÉ ºÉ¨ÉÉ´Éä¶ÉxÉ Eäò +ÆiÉMÉÇiÉ ºÉ¨ÉÉ´Éä¶ÉxÉ EòÉ®úhÉ iÉÉä =ºÉEòÉ EòÉ®úhÉ ¨Éè +ºÉ®äúEò (<ÆÊb÷ªÉÉ) ʱÉ. ½þÉÆ BºÉ 21 Eäò +xÉÖºÉÉ®ú ½þÉÆ BºÉ 21 Eäò +xÉÖºÉÉ®ú +|ɪÉÉäVªÉ +|ɪÉÉäVªÉ (¦ÉÉ®úiÉ) ºÉ¨ÉäÊEòiÉ ºÉ¨ÉäÊEòiÉ <±ÉɽþɤÉÉnù ªÉÚ{ÉÒ ½þÉÆ BºÉ 21 Eäò +xÉÖºÉÉ®úõ ½þÉÆ BºÉ 21 Eäò +xÉÖºÉÉ®úõ +|ɪÉÉäVªÉ +|ɪÉÉäVªÉ OÉɨÉÒhÉ ¤ÉéEò (¦ÉÉ®úiÉ) ºÉ¨ÉäÊEòiÉ ºÉ¨ÉäÊEòiÉ

¨Éè. ªÉÖÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä ½þÉÆ BºÉ 21 Eäò +xÉÖºÉÉ®ú xɽþÓ BºÉ 21 Eäò +xÉÖºÉÉ®ú +|ɪÉÉäVªÉ Ê´ÉÊxɪÉɨÉEò VÉxÉ®ú±É <ƶªÉÉä®åúºÉ ºÉ¨ÉäÊEòiÉ ºÉ¨ÉäÊEòiÉ Ênù¶ÉÉÊxÉnæù¶É EÆò. ʱÉ.

¤ÉÒ. ±ÉäJÉÉ +Éè®ú Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉäEòxÉ EòÒ nùÉäxÉÉä ºÉƦÉÉ´ÉxÉÉ+Éå Eäò +ÆiÉMÉÇiÉ ºÉ¨ÉäEòxÉ ½äþiÉÖ Ê´ÉSÉÉ®ú xÉ EòÒ MÉ<Ç ºÉƺlÉÉ+Éå Eäò ºÉ¨ÉÚ½þ EòÒ ºÉÚSÉÒ ±ÉäJÉÉ +Éè®ú Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉäEòxÉ EòÒ nùÉäxÉÉä ºÉƦÉÉ´ÉxÉÉ+Éå Eäò +ÆiÉMÉÇiÉ ºÉ¨ÉäEòxÉ ½äþiÉÖ Ê´ÉSÉÉ®ú xÉ EòÒ MÉ<Ç ºÉƺlÉÉ+Éå EòÉ EòÉä<Ç ºÉ¨ÉÚ½þ xɽþÓ ½èþ*

(ii) {ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ ºÉÒ. ºÉ¨ÉäEòxÉ ½äþiÉÖ Ê´ÉSÉÉ®ú ÊEòB MÉB ºÉ¨ÉÚ½þ ºÉƺlÉÉ+Éå EòÒ ºÉÚSÉÒ (` ʨÉʱɪÉxÉ ¨Éå) ºÉƺlÉÉ EòÉ xÉÉ¨É ºÉƺlÉÉ EòÒ ¨ÉÚ±É MÉÊiÉÊ´ÉÊvÉ EÖò±É iÉÖ±ÉxÉ{ÉjÉ <ÎC´É]õÒ EÖò±É iÉÖ±ÉxÉ{ÉjÉ +ÉκiɪÉÉÆ (±ÉäJÉÉ iÉÖ±ÉxÉ{ÉjÉ ¨Éå ªÉlÉÉ ´ÉÌhÉiÉ) (±ÉäJÉÉ iÉÖ±ÉxÉ{ÉjÉ ¨Éå ªÉlÉÉ ´ÉÌhÉiÉ)

+ºÉ®äúEò (<ÆÊb÷ªÉÉ) ʱÉ. +ÉκiÉ ´ÉºÉÚ±ÉÒ EÆò{ÉxÉÒ 980 1,885 <±ÉɽþɤÉÉnù ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò ¤ÉéËEòMÉ 619 1,21,335

b÷Ò: ºÉ¦ÉÒ +xÉÖ¹ÉÆMÉÒ EÆò{ÉÊxɪÉÉå ¨Éå {ÉÚÆVÉÒ Ê´ÉºÉÆMÉÊiɪÉÉå EòÒ EÖò±É ®úÉ榃 ÊVɺÉä ºÉ¨ÉäEòxÉ Ê´ÉÊxɪÉɨÉEò ºÉƦÉÉ´ÉxÉÉ ¨Éå ¶ÉÉÊ¨É±É xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ ÊEòºÉÒ +xÉÖ¹ÉÆMÉÒ EÆò{ÉxÉÒ ¨Éå {ÉÚÆVÉÒ Ê´ÉºÉÆMÉÊiɪÉÉÆ xɽþÓ ½éþ, ÊVɺÉä ºÉ¨ÉäEòxÉ Ê´ÉÊxɪÉɨÉEò ºÉƦÉÉ´ÉxÉÉ ¨Éå ¶ÉÉÊ¨É±É xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ*

<Ç:ó ¤ÉÒ¨ÉÉ ºÉƺlÉÉ+Éå ¨Éå ¤ÉéEò Eäò EÖò±É ʽþiÉ EòÒ ºÉEò±É ®úÉ榃 (=nùɽþ®úhÉÉlÉÇ SÉɱÉÚ ¤É½þÒ ¨ÉÚ±ªÉ) VÉÉä VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ ½èþ*

VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ {ÉrùÊiÉ ¤ÉxÉÉ¨É {ÉÚhÉÇ ºÉƺlÉÉ EòÉ xÉɨÉ/ÊxÉMɨÉxÉ ºÉƺlÉÉ EòÒ ¨ÉÚ±É EÖò±É iÉÖ±ÉxÉ{ÉjÉ <ÎC´É]õÒ (Ê´ÉÊvÉEò ºÉƺlÉÉ EÖò±É <ÎC´É]õÒ/¨ÉiÉÉÊvÉEòÉ®ú Eäò Eò]õÉèiÉÒ {ÉrùÊiÉ Eäò |ɪÉÉäMÉ ¨Éå EòÉ näù¶É MÉÊiÉÊ´ÉÊvÉ EòÒ ±ÉäJÉÉ iÉÖ±ÉxÉ{ÉjÉ ¨Éå ªÉlÉÉ ´ÉÌhÉiÉ) +xÉÖ{ÉÉiÉ ¨Éå ¤ÉéEò EòÉ vÉÉ®úhÉ % Ê´ÉÊxɪÉɨÉEò {ÉÚÆVÉÒ EòÉ {ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ɦÉÉ´É ªÉÚÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä VÉxÉ®ú±É ºÉÉvÉÉ®úhÉ ¤ÉÒ¨ÉÉ ºÉÒ+É®úB+É®ú ¨Éå 5 <ƶªÉÉä®åúºÉ EÆò{ÉxÉÒ Ê±ÉʨÉ]äõb÷ 3682 28.52% ¤ÉÒ{ÉÒBºÉ EòÒ Eò¨ÉÒ

B¡ò: ¤ÉéËEòMÉ ºÉ¨ÉÚ½þ Eäò +ÆiÉMÉÇiÉ ÊxÉÊvɪÉÉå Eäò +ÆiÉ®úhÉ +lÉ´ÉÉ Ê´ÉÊxɪÉɨÉEò {ÉÚÆVÉÒ {É®ú EòÉä<Ç |ÉÊiɤÉÆvÉ +lÉ´ÉÉ ¤ÉÉvÉÉ: ¤ÉéËEòMÉ ºÉ¨ÉÚ½þ Eäò +ÆiÉMÉÇiÉ ÊxÉÊvɪÉÉå Eäò +ÆiÉ®úhÉ +lÉ´ÉÉ Ê´ÉÊxɪÉɨÉEò {ÉÚÆVÉÒ {É®ú EòÉä<Ç |ÉÊiɤÉÆvÉ +lÉ´ÉÉ ¤ÉÉvÉÉ xɽþÓ ½èþ*

52 CONSOLIDATED DISCLOSURES UNDER BASEL-III CAPITAL REGULATIONS FOR THE YEAR ENDED 31st MARCH2018 1. 1. SCOPE OF APPLICATION Name of the head of the banking group to which the framework applies:ALLAHABAD BANK TABLE DF – 1 SCOPE OF APPLICATION (I). Qualitative Disclosures A: List of group entities considered for consolidation Name of the entity Inclusion under Method of Inclusion under Method of Reasons for Reasons for consolidation [Country of accounting scope consolidation regulatory scope consolidation difference in method under only one of the incorporation] of consolidation of consolidation of consolidation scope of consolidation Consolidated Consolidated ASREC (India) Ltd. Yes Yes Not Applicable Not Applicable in accordance in accordance [India] with AS21 with AS21 Consolidated Consolidated Allahabad UP Yes Yes Not Applicable Not Applicable in accordance in accordance Gramin Bank [India] with AS21 with AS21 Universal Sompo Consolidated General Insurance Yesin accordance No Not Applicable Not Applicable Regulatory Company Limited with AS21 guidelines [India]

B: List of group entities not considered for consolidation both under the accounting and regulatory scope of consolidation. There are no group entities that are not considered for consolidation under both the accounting scope of consolidation and regulatory scope of consolidation.

(II) Quantitative Disclosures (` in Millions) C: List of Group Entities Considered for Consolidation Name of the entity Principle activity Total balance sheet equity Total balance sheet assets of the entity (as per accounting balance sheet) (as per accounting balance sheet )

ASREC (India) Ltd. Asset Recovery Company 980 1,885 Allahabad UP Gramin Bank Banking 619 1,21,335

D: The aggregate amount of capital deficiencies in all subsidiaries which are not included in the regulatory scope of consolidation: There is no capital deficiency in any subsidiary, which is not included in the regulatory scope of consolidation.

E: The aggregate amounts (e.g. current book value) of the bank’s total interests in insurance entities, which are risk- weighted (` in Millions) Name of the insurance entity Principle activity Total balance sheet equity Bank’s holding in the total Quantitative impact of regulatory of the entity (as per accounting balance sheet) equity or proportion of capital of using risk weighting voting power (%) methods versus using the full deduction method Universal Sompo General General 3,682 28.52% Improvement in CRAR by Insurance Company Limited Insurance 6 basis point

F: Any restrictions or impediments on transfer of funds or regulatory capital within the banking group:There are no restrictions or impediments on transfer of funds or regulatory capital within the banking group.

53 ºÉÉ®úhÉÒ b÷ÒB¡ò-2 {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ

{ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ

 ¤ÉéEò EòÉä ¦ÉÉÊ®ú¤Éé uùÉ®úÉ <ºÉEäò ¤ÉɺÉä±É*** ºÉƤÉÆvÉÒ ¨Éɺ]õ®ú {ÉÊ®ú{ÉjÉ Eäò iɽþiÉ ÊxÉvÉÉÇÊ®úiÉ {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +vªÉvÉÒxÉ ®úJÉÉ MɪÉÉ ½èþ* =Hò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¤ÉéEò ºÉä +{ÉäÊIÉiÉ ½èþ ÊEò ´É½þ 31 ¨ÉÉSÉÇ, 2019 EòÉä ªÉlÉÉκlÉÊiÉ xªÉÚxÉiÉ¨É 5.5$ EòɨÉxÉ <ÎC´É]õÒ ]õҪɮú * (ºÉÒ<Ç]õÒ 1) (ºÉÒºÉÒ¤ÉÒ ºÉʽþiÉ 8$) Eäò ºÉÉlÉ 9$ {ÉÚÆVÉÒ EÆòVÉ´Éæ¶ÉxÉ ¤É¡ò®ú(ºÉÒºÉÒ¤ÉÒ) ºÉʽþiÉ 11.5$ Eäò VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉκiÉ +xÉÖ{ÉÉiÉ(ºÉÒ+É®úB+É®ú) ¨Éå xªÉÚxÉiÉ¨É {ÉÚÆVÉÒ ¤ÉxÉÉB ®úJÉä* ¤ÉɺÉä±É*** ºÉƤÉÆvÉÒ

 ¤ÉéEò VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉκiÉ +xÉÖ{ÉÉiÉ (ºÉÒ+É®B+É®ú) ½äþiÉÖ ÊxÉζSÉiÉ {ÉÚÆVÉÒ ¤ÉxÉÉB ®úJÉxÉä ½äþiÉÖ B´ÉÆ ÊEòºÉÒ +|ÉiªÉÉʶÉiÉ PÉ]õxÉÉ+Éå Eäò EòÉ®úhÉ ½þÉäxÉä ´ÉɱÉÒ ½þÉÊxÉ Eäò VÉÉäÊJÉ¨É Eäò ºÉÉ{ÉäIÉ MÉÖÆVÉÉ<¶É ®úJÉxÉä Eäò ʱÉB ÊxɪÉʨÉiÉ °ü{É ºÉä +{ÉxÉÒ {ÉÚÆVÉÒ +{ÉäIÉÉ+Éå EòÉ ¨ÉÚ±ªÉÉÆEòxÉ Eò®úiÉÉ ½èþ ÊVɺɺÉä ºÉ¦ÉÒ Ê½þiÉvÉÉ®úEòÉå EòÉ Ê½þiÉ ºÉÖ®úÊIÉiÉ ®ú½þ ºÉEäò* ¤ÉéEò ¦ÉʴɹªÉ ¨Éå +{ÉxÉÒ MÉÊiÉÊ´ÉÊvɪÉÉå EòÉä ºÉÖSÉÉ°ü °ü{É ºÉä ºÉÆSÉÉʱÉiÉ Eò®úxÉä ½äþiÉÖ ú+{ÉäÊIÉiÉ {ÉÚÆVÉÒ EòÒ ºÉ¨ÉÒIÉÉ Eäò ʱÉB ´ÉÉ̹ÉEò +ÉvÉÉ®ú {É®ú {ÉÚÆVÉÒ ÊxɪÉÉäVÉxÉ EòÉ EòɪÉÇ Eò®úiÉÉ ½èþ* ºÉÉlÉ ½þÒ, ºÉ¦ÉÒ VÉÉäÊJÉ¨É EòÉ ´ªÉÉ{ÉEò °ü{É ºÉä ÊxÉnùÉxÉ Eò®úxÉä +Éè®ú +ɴɶªÉEò +ÊiÉÊ®úHò {ÉÚÆVÉÒ ¤ÉxÉÉB ®úJÉxÉä ½äþiÉÖ ¤ÉéEò EòÒ ºÉÖÊ{É®ú¦ÉÉʹÉiÉ +ÉÆiÉÊ®úEò {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ ÊxÉvÉÉÇ®úhÉ |ÉÊGòªÉÉ (+É<Ç ºÉÒ B B {ÉÒ) ½èþ*

 ¤ÉéEò xÉä ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ºÉÒ+É®úB+É®ú EòÒ MÉhÉxÉÉ ½äþiÉÖ ½äþiÉÖ @ñhÉ VÉÉäÊJÉ¨É Eäò ʱÉB ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ, {ÉÊ®úSÉɱÉxÉMÉiÉ VÉÉäÊJÉ¨É Eäò ʱÉB ¨ÉÚ±É ºÉÆEäòiÉEò oùι]õEòÉähÉ +Éè®ú ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É Eäò ʱÉB ¨ÉÉxÉEòÒEÞòiÉ b÷¬Ú®äú¶ÉxÉ oùι]õEòÉähÉ EòÉä +Æ{ÉxÉɪÉÉ ½èþ*

 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉκlÉÊiÉ, @ñùhÉ, ¤ÉÉVÉÉ®ú +Éè®ú {ÉÊ®úSÉɱÉxÉ VÉÉäÊJÉ¨É ½äþiÉÖ ¤ÉéEò EòÒ {ÉÚÆVÉÒ +{ÉäIÉÉ EòÉ ºÉÉ®ú +Éè®ú {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ +xÉÖ{ÉÉiÉ xÉÒSÉä |ɺiÉÖiÉ ½èþ: (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É Ê´ÉʦÉzÉ VÉÉäÊJɨÉÉå ½äþiÉÖ {ÉÚÆVÉÒ +{ÉäIÉÉBÆ ú {ÉÚÆVÉÒ +{ÉäIÉÉ ºÉÆJªÉÉ * B @ñhÉ VÉÉäÊJÉ¨É 126,099 B 1 +|ÉÊiɦÉÚiÉ {ÉÉä]Çõ¡òÉäʱɪÉÉä ½äþiÉÖ 126,099 B 2 |ÉÊiɦÉÚiÉ {ÉÉä]Çõ¡òÉäʱɪÉÉä ½äþiÉÖ - ¤ÉÒ ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É 15,459 ¤ÉÒ 1 ¤ªÉÉVÉ nù®ú VÉÉäÊJÉ¨É ½äþiÉÖ 10,546 ¤ÉÒ 2 <ÎC´É]õÒ VÉÉäÊJÉ¨É ½äþiÉÖ 4,833 ¤ÉÒ 3 Ê´Énäù¶ÉÒ ¨ÉÖpùÉ VÉÉäÊJÉ¨É ½äþiÉÖ (º´ÉhÉÇ ºÉʽþiÉ) 81 ¤ÉÒ 4 ÊVÉxºÉ VÉÉäÊJÉ¨É ½äþiÉÖ - ¤ÉÒ 5 +É{¶ÉxÉ VÉÉäÊJÉ¨É ½äþiÉÖ - ºÉÒ {ÉÊ®úSÉɱÉxÉ VÉÉäÊJÉ¨É 16,187 ºÉÒ 1 ¨ÉÚ±É ºÉÆEäòiÉEò oùι]õEòÉähÉ 16,187 ºÉÒ 2 ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ ªÉÊnù |ɪÉÉäVªÉ ½þÉä - b÷Ò EÖò±É {ÉÚÆVÉÒ +{ÉäIÉÉ 157,746

*{ÉÚÆVÉÒ +{ÉäIÉÉ EòÒ MÉhÉxÉÉ VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉκiÉ Eäò 10.875% {É®ú EòÒ MÉ<Ç ½èþ*

Ê´É´É®úhÉ BEò±É ºÉ¨ÉäÊEòiÉþ ºÉɨÉÉxªÉ <ÎC´É]õÒ ]õҪɮú 1(ºÉÒ<Ç]õÒ 1) 5.57% 5.71% ]õҪɮú 1 ºÉÒ+É®úB+É® 6.69% 6.83% EÖò±É ºÉÒ+É®úB+É®ú 8.69% 8.83%

54 TABLE DF – 2 CAPITAL ADEQUACY

CAPITAL ADEQUACY  The Bank is subject to the capital adequacy guidelines stipulated by RBI vide its master circular on Basel-III. As per the said guidelines, the Bank is required to maintain a minimum Capital to Risk Weighted Assets Ratio (CRAR) of 9% {11.5% including Capital Conservation Buffer (CCB)}, with minimum Common Equity Tier I (CET1) of 5.5% (8% including CCB) as on 31st March 2019. These guidelines on Basel III have been implemented since 1st April 2013 in a phased manner. The minimum capital required to be maintained by the Bank for the year ended 31st March 2018 is 10.875% with minimum Common Equity Tier 1 (CET1) of 7.375% (including CCB of 1.875%)  The Bank carries out regular assessment of its Capital requirements to maintain a comfortable Capital to Risk Weighted Assets Ratio (CRAR) and to cushion against the risk of losses against any unforeseen events so as to protect the interest of all stakeholders. The Bank conducts exercise of Capital Planning on an annual basis to review the capital required to carry out its activities smoothly in the future. Also, the Bank has well defined Internal Capital Adequacy Assessment Process (ICAAP) under which the Bank also assesses the adequacy of capital under stress to comprehensively assess all risks and maintain necessary additional capital.  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, as per the guidelines of RBI.  A summary of the Bank's capital requirement for credit, market and operational risk and the capital adequacy ratio as on 31st March 2018 is presented below:

(Amount ` in Million)

S.No. Capital Requirements for Various Risks Capital Requirement* A CREDIT RISK 126,099 A.1 For non- securitized portfolio 126,099 A.2 For Securitized portfolio - B MARKET RISK 15,459 B.1 For Interest Rate Risk 10,546 B.2 For Equity Risk 4,833 B.3 For Forex Risk (including gold) 81 B.4 For Commodities Risk - B.5 For Options risk - C OPERATIONAL RISK 16,187 C.1 Basic Indicator Approach 16,187 C.2 Standardized Approach if applicable - D TOTAL CAPITAL REQUIREMENT 157,746 *Capital requirement is computed at 10.875% of RWA.

Particulars Standalone Consolidated Common Equity Tier I (CET I) 5.57% 5.71% Tier 1 CRAR 6.69% 6.83% Total CRAR 8.69% 8.83%

55 ºÉÉ®úhÉÒ b÷ÒB¡ò-3 @ñhÉ VÉÉäÊJɨÉ: ºÉɨÉÉxªÉ |ÉEò]õÒEò®úhÉ

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56 TABLE DF – 3 CREDIT RISK: GENERAL DISCLOSURE

3. CREDIT RISK: GENERAL DISCLOSURE A. RISK MANAGEMENT: OBJECTIVES AND ORGANISATION STRUCTURE A.1. The Bank identifies, measures, control, monitor and report risks effectively. The key parameters of the Bank's risk management activities rely on the risk governance architecture, comprehensive processes and internal control mechanism based on Board approved policies and guidelines. B. ARCHITECTURE AND SYSTEMS OF THE BANK B.1. The Bank has nominated Chief Risk Officer, who reports to the Managing Director and CEO. B.2. A Sub-Committee of Board of Directors termed as Risk Management Committee (RMC) has been constituted to specifically oversee and co-ordinate Risk Management functions in the bank. B.3. A Credit Risk Management Committee of executives has been set up to formulate and implement various credit risk strategies including lending policy and to monitor Bank's Risk Management functions on a regular basis. C. CREDIT RISK Credit risk is defined as the possibility of losses associated with default by or diminution in the credit quality of Borrowers or Counterparties arising from Outright default due to inability or unwillingness of a borrower or counterparty to meet commitments in relation to lending, trading, settlement and other financial transactions; or Reduction in portfolio value arising from actual or perceived deterioration in credit quality of borrowers or counterparties. Credit Risk emanates from a bank's dealings with an individual, non-corporate, corporate, bank, financial institution or sovereign. D. BANK'S CREDIT RISK MANAGEMENT POLICY D.1. The Bank has put in place a well-structured Credit Risk Management Policy duly approved by the Board. The Policy document defines organizational structure, role and responsibilities and the processes whereby the Credit Risks carried by the Bank can be identified, quantified, managed and controlled within the framework which the Bank considers consistent with its mandate and risk tolerance limits. D.2. Credit Risk is monitored by the Bank account wise and compliance with the risk limits / exposure cap approved by the Board is ensured. The quality of internal control system is also monitored and in-house expertise has been built up to tackle all the facets of Credit Risk. D.3. The Bank has taken earnest steps to put in place best Credit Risk Management practices. In addition to Credit Risk Management Policy, the Bank has also framed Board approved Lending Policy, Investment Policy, Country Risk Management Policy, Recovery Management Policy etc. which form integral part in monitoring of credit risk and ensures compliance with various regulatory requirements, more particularly in respect of Exposure norms, Priority Sector norms, Income Recognition and Asset Classification guidelines, Capital Adequacy, Credit Risk Management guidelines etc. of RBI/other Statutory Authorities. D.4. Besides, the Bank has also put in place a Board approved policy on Credit Risk Mitigation & Collateral Management which lays down the details of securities and administration of such securities to protect the interests of the Bank. These securities act as mitigants against the credit risk to which the Bank is exposed.

E. CREDIT APPRAISAL / INTERNAL RATING E.1. The Bank manages its credit risk by continuously measuring and monitoring of risks at each obligor (borrower) and portfolio level. The Bank has robust internally developed credit risk grading / rating modules and well-established credit appraisal / approval processes. E.2. The internal risk rating / grading modules capture quantitative and qualitative issues relating to management risk, business risk, industry risk, financial risk and project risk. The data on industry risk is constantly updated based on market conditions. E.3. The rating for every borrower is reviewed. As a measure of robust credit risk management practices, the bank has implemented a four tier system of credit rating process for the loan proposals sanctioned at Head Office Level, three tier system at FGM office/ Zonal Office level and two tier system at Branch level which includes validation of rating independent of credit department. For the proposals falling under the powers of Bank's Head Office, the validation of ratings is done at Risk Management Department. E.4. The Bank follows a well-defined multi layered discretionary power structure for sanction of loans. Various committees have been formed at ZO, FGMO & HO Level. ZLCC AGM/DGM/GM headed by Zonal Head, FGMLCC headed by Field General Manager, HLCC GM headed by GM (Credit), HLCC ED headed by ED (Executive Director), CAC headed by MD & CEO and MCBOD (Management Committee of the Board) headed by MD& CEO. A structure named New Business Group (NBG) headed by MD& CEO has been constituted at Head Office level for considering in-principle

57 ÊxÉnäù¶ÉEò B´ÉÆ ºÉÒ<Ç+Éä EòÒ +vªÉIÉiÉÉ ¨Éå |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ ºiÉ®ú {É®ú xɪÉÉ ´ªÉ´ÉºÉÉªÉ ºÉ¨ÉÚ½þ (BxɤÉÒVÉÒ) xÉɨÉEò ºÉÆ®úSÉxÉÉ EòÉ MÉ`öxÉ ÊEòªÉÉ MɪÉÉ ½èþ* B¡ò. Ê{ÉUô±ÉÉ näùªÉ +Éè®ú ¿ÉʺÉiÉ EòÒ {ÉÊ®ú¦ÉɹÉÉ (±ÉäJÉÉ |ɪÉÉäVÉxÉ ½äþiÉÖ)þ ¤ÉéEò ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ê´ÉÊxɪɨÉÉå EòÉ {ÉɱÉxÉ Eò®úiÉÉ ½èþ ÊVɺÉEòÉ ºÉÉ®úÉÆ¶É ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ B¡ò.1. +xÉVÉÇEò +ÉκiɪÉÉÆ {É]Âõ]õÉEÞòiÉ +ÉκiÉ ºÉʽþiÉ EòÉä<Ç +ÉκiÉ iÉ¤É +xÉVÉÇEò ½þÉä VÉÉiÉÒ ½èþ VÉ¤É ªÉ½þ ¤ÉéEò Eäò ʱÉB +ÉªÉ ºÉÞÊVÉiÉ Eò®úxÉÉ ¤ÉÆnù Eò®ú näùiÉÒ ½èþ* @ñhÉ +lÉ´ÉÉ +ÊOÉ¨É ¨Éå +xÉVÉÇEò +ÉκiɪÉÉÆ ´Éä ½éþ VɽþÉÆ I. ¨ÉÒªÉÉnùÒ @ñhÉ Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉÆ ¤ªÉÉVÉ +Éè®ú/+lÉ´ÉÉ ¨ÉÚ±ÉvÉxÉ EòÒ ÊEòºiÉ 90 ÊnùxÉÉå ºÉä +ÊvÉEò +´ÉÊvÉ ½äþiÉÖ +ÊiÉnäùªÉ ®ú½þiÉÒ ½èþ* II. +Éä´É®úbÅ÷É}]õ/xÉEònùÒ @ñhÉ (+Éäb÷Ò/ºÉÒºÉÒ) Eäò ºÉƤÉÆvÉ ¨Éå JÉÉiÉÉ 90 ÊnùxÉÉå iÉEò +ÊxɪÉʨÉiÉ ®ú½þiÉÉ ½èþ VÉèºÉÉ EòÒ xÉÒSÉä =α±ÉÊJÉiÉ ½èþ* Eò. ªÉÊnù ÊxɪÉʨÉiÉ/ iÉnùlÉÇ ºÉÒ¨ÉÉ+Éå EòÉ xÉ´ÉÒEò®úhÉ/ºÉ¨ÉÒIÉÉ xÉ´ÉÒEò®úhÉ/ºÉ¨ÉÒIÉÉ +lÉ´ÉÉÉ iÉnùlÉÇ ºÉÒ¨ÉÉ EòÒ ºÉƺ´ÉÒEÞòÊiÉ ºÉä 180 ÊnùxÉÉå Eäò +Ænù®ú xɽþÓ EòÒ VÉÉiÉÒ* JÉ. ªÉÊnù º]õÉEò Ê´É´É®úhÉ ±ÉMÉÉiÉÉ®ú 90 ÊnùxÉÉå EòÒ +´ÉÊvÉ ½äþiÉÖ |ɺiÉÖiÉ xɽþÓ ÊEòB VÉÉiÉä +Éè®ú ±ÉMÉÉiÉÉ®ú 90 ÊnùxÉÉå iÉEò BäºÉä +ÊxɪÉʨÉiÉ +ɽþ®úhÉ {É®ú ºÉÒ¨ÉÉ+Éå/ ú +ɽþ®úhÉ EòÒ +xÉÖ¨ÉÊiÉ nùÒ VÉÉiÉÒ ½èþ III. GòªÉ ÊEòB MÉB +Éè®ú ¦ÉÖxÉÉB MÉB ʤɱÉÉå Eäò ¨ÉɨɱÉä ¨Éå Ê¤É±É 90 ÊnùxÉÉå ºÉä +ÊvÉEò ºÉ¨ÉªÉ iÉEò +ÊiÉnäùªÉ ®ú½þiÉä ½éþ* IV. +±{ÉÉ´ÉÊvÉ ¡òºÉ±ÉÉå ½äþiÉÖ ¤ÉEòɪÉÉ ÊiÉÊlÉ Eäò ¤ÉÉnù ¨ÉÚ±ÉvÉxÉ EòÒ ÊEòºiÉ +lÉ´ÉÉ =ºÉ {É®ú ¤ªÉÉVÉ nùÉä ¡òºÉ±É ¨ÉÉèºÉ¨É iÉEò +nùkÉ ®ú½þiÉÉ ½èþ* V. nùÒPÉÉÇ´ÉÊvÉ ¡òºÉ±ÉÉå ½äþiÉÖ ¤ÉEòɪÉÉ ÊiÉÊlÉ Eäò ¤ÉÉnù ¨ÉÚ±ÉvÉxÉ EòÒ ÊEòºiÉ +lÉ´ÉÉ =ºÉ {É®ú ¤ªÉÉVÉ BEò ¡òºÉ±É ¨ÉÉèºÉ¨É iÉEò +nùkÉ ®ú½þiÉÉ ½èþ* VI. ÊnùxÉÉÆEò 1 ¡ò®ú´É®úÒ 2006 Eäò |ÉÊiɦÉÚÊiÉEò®úhÉ ºÉƤÉÆvÉÒ Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ÊEòB MÉB |ÉÊiɦÉÚÊiÉEò®úhÉ ±ÉäxÉnäùxÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ʱÉÎC´Éb÷Ò]õÒ ºÉÖÊ´ÉvÉÉ EòÒ ®úÉ榃 90 ÊnùxÉÉå ºÉä +ÊvÉEò ºÉ¨ÉªÉ iÉEò +ÊiÉnäùªÉ ®ú½þiÉÒ ½èþ* VII. ÊEòºÉÒ JÉÉiÉä EòÉä Eäò´É±É iɦÉÒ BxÉ{ÉÒB Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ VÉ¤É ÊEòºÉÒú ÊiɨÉɽþÒ Eäò nùÉè®úÉxÉ |ɦÉÉÊ®úiÉ ¤ªÉÉVÉ ÊiɨÉɽþÒ Eäò +ÆiÉ ºÉä 90 ÊnùxÉÉä Eäò +Ænù®ú {ÉÚhÉÇiɪÉÉ VɨÉÉ xɽþÓ ½þÉä VÉÉiÉÉ* B¡ò. 2. +ÊxɪÉʨÉiÉ(+É=]õ +É¡ò +ÉbÇ÷®ú) κlÉÊiÉ ÊEòºÉÒ JÉÉiÉä EòÉä ‘‘+ÊxɪÉʨÉiÉ’’ iÉ¤É ¨ÉÉxÉÉ VÉÉiÉÉ ½èþ ªÉÊnù ¤ÉEòɪÉÉ ¶Éä¹É ±ÉMÉÉiÉÉ®ú ºÉƺ´ÉÒEÞòiÉ ºÉÒ¨ÉÉ/+ɽþ®úhÉ +ÊvÉEòÉ®ú ºÉä +ÊvÉEò ¤ÉxÉÉ ®ú½äþ* =xÉ ¨ÉɨɱÉÉå ¨Éå VɽþÉÆ ¨ÉÚ±É {ÉÊ®úSÉɱÉxÉ JÉÉiÉä ¨Éå ¤ÉEòɪÉÉ ®úÉ榃 ºÉƺ´ÉÒEÞòiÉ ºÉÒ¨ÉÉ/+ɽþ®úhÉ +ÊvÉEòÉ®ú ºÉä Eò¨É ½þÉä ªÉÉ iÉÖ±ÉxÉ{ÉjÉ EòÒ ÊiÉÊlÉ ºÉä 90 ÊnùxÉÉå iÉEò ±ÉMÉÉiÉÉ®ú EòÉä<Ç VɨÉÉ xɽþÓ ½Öþ+É ½þÉä +lÉ´ÉÉ VɨÉÉ EòÒ MÉ<Ç ®úÉ榃 =ºÉ +´ÉÊvÉ Eäò nùÉè®úÉxÉ xÉɨÉä ʱÉJÉÒ MÉ<Ç ®úÉ榃 EòÉä {ÉÚ®úÉ Eò®úxÉä Eäò ʱÉB {ɪÉÉÇ{iÉ xÉ ½þÉä BäºÉä JÉÉiÉÉå EòÉä ‘‘+ÊxɪÉʨÉiÉ’’ ¨ÉÉxÉÉ VÉÉiÉÉ ½èþ* B¡ò.3. +ÊiÉnäùªÉ ÊEòºÉÒ @ñhÉ ºÉÖÊ´ÉvÉÉ Eäò +ÆiÉMÉÇiÉ ¤ÉéEò EòÉä näùªÉ EòÉä<Ç ®úÉ榃 iÉ¤É +ÊiÉnäùªÉ ½þÉä VÉÉiÉÒ ½èþ VÉ¤É ¤ÉéEò uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ EòÒ MÉ<Ç +´ÉÊvÉ Eäò nùÉè®úÉxÉ =ºÉEòÉ ¦ÉÖMÉiÉÉxÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ* B¡ò.4. +xÉVÉÇEò ÊxÉ´Éä¶É |ÉÊiɦÉÚÊiɪÉÉå Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉÆ ¤ªÉÉVÉ/¨ÉÚ±ÉvÉxÉ ¤ÉEòɪÉÉ ¨Éå ½èþ, ¤ÉéEò |ÉÊiɦÉÚÊiɪÉÉå {É®ú +ÉªÉ EòÉä MÉhÉxÉÉ ¨Éå xɽþÓ ±ÉäiÉÉ +Éè®ú ÊxÉ´Éä¶É Eäò ¨ÉÚ±ªÉ ¨Éå ½ÖþB ¿ÉºÉ ½äþiÉÖ ºÉ¨ÉÖÊSÉiÉ |ÉÉ´ÉvÉÉxÉ Eò®úiÉÉ ½èþ* +xÉVÉÇEò +ÊOɨÉÉå(BxÉ{ÉÒB) EòÒ ¦ÉÉÆÊiÉ +xÉVÉÇEò ÊxÉ´Éä¶É(BxÉ{ÉÒ+É<Ç) ´É½þ ½þÉäiÉÉ ½èþ VɽþÉÆ:

I. ¤ªÉÉVÉ/ÊEòºiÉ ({ÉÊ®ú{ÉC´ÉiÉÉ +ÉMÉ¨É ºÉʽþiÉ)näùªÉ ½èþ +Éè®ú 90 ÊnùxÉÉå ºÉä +ÊvÉEò ºÉ¨ÉªÉ iÉEò +nkÉ ®ú½þiÉÒ ½èþ* II. ªÉ½þ +ɴɶªÉEò {ÉÊ®ú´ÉiÉÇxÉÉå ºÉʽþiÉ +ÊvɨÉÉxÉÒ ¶ÉäªÉ®úÉå {É®ú ±ÉÉMÉÚ ½þÉäiÉÉ ½èþ VɽþÉÆ iÉªÉ ±ÉɦÉÉÆ¶É EòÉ ¦ÉÖMÉiÉÉxÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ* III. <ÎC´É]õÒ ¶ÉäªÉ®úÉå Eäò ¨ÉɨɱÉä ¨Éå, ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò +xÉÖnäù¶ÉÉå Eäò +xÉÖºÉÉ®ú xÉ´ÉÒxÉiÉ¨É iÉÖ±ÉxÉ {ÉjÉ EòÒ +xÉÖ{ɱɤvÉiÉÉ Eäò EòÉ®úhÉ ªÉÊnù ÊEòºÉÒ EÆò{ÉxÉÒ Eäò ¶ÉäªÉ®úÉå ¨Éå ÊxÉ´Éä¶É EòÉ ¨ÉÚ±ªÉ ¯û.1 |ÉÊiÉ EÆò{ÉxÉÒ ½èþ iÉÉä

58 approval for taking up fresh credit proposals above a specified cut-off point. F. DEFINITION OF PAST DUE AND IMPAIRED (FOR ACCOUNTING PURPOSES) The Bank follows Reserve Bank of India regulations, which are summed up below. F.1. NON-PERFORMING ASSETS An asset, including a leased asset, becomes non-performing when it ceases to generate income for the bank. A non-performing asset (NPA) is a loan or an advance where; I. Either Interest and/ or installment of principal dues remain 'overdue' for a period of more than 90 days in respect of a term loan, II. The account remains 'out of order' for 90 days as indicated below, in respect of an Overdraft/Cash Credit (OD/CC), a. If the regular/ad-hoc limits are not reviewed/ renewed within 180 days from the due date of review/renewal or sanctioning of adhoc limit, b. If the stock statements are not submitted continuously for a period of 90 days and limits/ drawings are allowed on such irregular drawing power continuously for 90 days. III. The bill remains overdue and unpaid for a period of more than 90 days in the case of bills purchased and discounted, IV. The installment of principal or interest thereon remains unpaid for two crop seasons beyond the due date for short duration crops, V. The installment of principal or interest thereon remains unpaid for one crop season beyond the due date for long duration crops. VI. The amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitization transaction undertaken in terms of guidelines on securitization dated February 1, 2006. VII. An account is classified as NPA only if the interest due &charged during any quarter is not serviced fully within 90 days from the end of the quarter.

F.2. 'OUT OF ORDER' STATUS An account is treated as 'out of order' if the outstanding balance remains continuously in excess of the sanctioned limit/ drawing power for 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'. F.3. OVERDUE 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. F.4. NON PERFORMING INVESTMENTS 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, the investments in any of the securities issued by the same issuer is also treated as NPI and vice versa. V. The investments in debentures / bonds, which are deemed to be in the nature of advance, are subjected to NPI norms as applicable to investments.

Quantitative Disclosures

A. Gross Credit Risk Exposure Including Geographic Distribution of Exposure (Amount ` in Million) SL No Exposure* Type Domestic Overseas Total 1. Fund Based 1,918,965 110,479 2,029,444 2. Non-Fund Based 289,842 98 289,940

3. Total 2,208,807 110,577 2,319,384 *Exposure for Fund based includes advance portfolio whereas non-fund based includes exposure due to Bank guarantee and Letter of Credit. 59 ¤ÉÒ. +ÉκiɪÉÉå EòÉ +´Éʶɹ]õ ºÉÆÊ´ÉnùÉMÉiÉ {ÉÊ®ú{ÉC´ÉiÉÉ ¥ÉäEòb÷É=xÉ ¤ÉEäò]õ xÉEònù B´ÉÆ ¤ÉéEò +ÊOÉ¨É ÊxÉ´Éä¶É κlÉ®ú +xªÉ ºÉEò±É ¦ÉÉÊ®ú¤ÉéEò VɨÉɶÉä¹É # +ÉκiɪÉÉÆ +ÉκiɪÉÉÆ ªÉÉäMÉ +MɱÉÉ ÊnùxÉ 9,121 10,414 12,357 194,943 - 127 226,962 2 - 7 ÊnùxÉ 1,210 56,791 16,888 8,559 - 296 83,744 8 - 14 ÊnùxÉ 1,354 5,540 12,251 6,600 - 285 26,030 15 - 30 ÊnùxÉ 1,088 3,585 23,693 5,511 - 616 34,493 > 1 ¨Éɽþ - 2 ¨Éɽþ 1,009 - 21,487 5,426 - 969 28,891 > 2 ¨Éɽþ - 3 ¨Éɽþ 797 - 11,994 5,252 - 892 18,935 > 3 ¨Éɽþ - 6 ´É¹ÉÇ 3,959 - 158,865 20,010 - 3,676 186,510 > 6 ¨Éɽþ - 1 ´É¹ÉÇ 5,421 3,072 118,242 30,365 - 5,729 162,829 > 1 ´É¹ÉÇ - 3 ´É¹ÉÇ 28,272 28,726 469,854 146,930 - 23,154 696,936 > 3 ´É¹ÉÇ - 5 ´É¹ÉÇ 14,373 13,181 163,003 81,784 - 20,301 292,642 > 5 ´É¹ÉÇ 26,306 - 511,975 171,760 31,321 27,811 769,171 EÖò±É 92,910 1,21,309 15,20,607 6,77,140 31,321 83,856 25,27,143 3+xªÉ ¤ÉéEòÉå ¨Éå ¶Éä¹É iÉlÉÉ ¨ÉÉÆMÉ +Éè®ú +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{iÉ vÉxÉ ºÉʽþiÉ

ºÉÒ. +xÉVÉÇEò +ÉκiɪÉÉÆ(BxÉ{ÉÒB) +Éè®ú =xÉEòÉÆ ºÉÆSɱÉxÉ (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É ºÉÆ.Ê´É´É®úhÉ ®úÉ榃 B. BxÉ{ÉÒB EòÒ ºÉEò±É ®úÉ榃 2,65,628 B.1 +´É¨ÉÉxÉEò 55,473 B.2 ºÉÆÊnùMvÉ 1 59,099 B.3 ºÉÆÊnùMvÉ 2 1,11,870 B.4 ºÉÆÊnùMvÉ 3 17,158 B.5 ½þÉÊxÉMÉiÉ 22,028 ¤ÉÒ. ÊxÉ´É±É BxÉ{ÉÒB 1,22,291 ºÉÒ. BxÉ{ÉÒB +xÉÖ{ÉÉiÉ ºÉÒ.1 ºÉEò±É +ÊOÉ¨É ¨Éå ºÉEò±É BxÉ{ÉÒB 15.96% ºÉÒ. 2 ÊxÉ´É±É +ÊOÉ¨É ¨Éå ÊxÉ´É±É BxÉÊ{ÉB 8.04% b÷Ò. BxÉ{ÉÒB EòÉ ºÉÆSɱÉxÉ (ºÉEò±É) b÷Ò.1 ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå +lÉ ¶Éä¹É 206,878 b÷Ò.2 ´É¹ÉÇ Eäò nùÉè®úÉxÉ ´ÉÞÊrù 129,033 b÷Ò. 3 ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò¨ÉÒ 70,283 b÷Ò.4 +´ÉÊvÉ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú ªÉlÉÉκlÉÊiÉ <ÊiɶÉä¹É 265,628 b÷Ò. MÉè®ú Êxɹ{ÉÉnùEò ÊxÉ´Éä¶É(BxÉ{ÉÒ+É<Ç) +Éè®ú ÊxÉ´Éä¶É {É®ú ¨ÉÚ±ªÉ¿ÉºÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ EòÉ ºÉÆSɱÉxÉú (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É ºÉÆ. Ê´É´É®úhÉ ®úÉ榃 B. +xÉVÉÇEò ÊxÉ´Éä¶É EòÒ ®úÉ榃 7,092 ¤ÉÒ. +xÉVÉÇEò ÊxÉ´Éä¶É ½äþiÉÖ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉÉå EòÒ ®úÉ榃 4,065 ºÉÒ. ÊxÉ´Éä¶É Eäò ¨ÉÚ±ªÉ¿ÉºÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉÉå EòÉ ºÉÆSɱÉxÉ – ºÉÒ.1 ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå +lÉ ¶Éä¹É 5,759 ºÉÒ.2 ÊiɨÉɽþÒ Eäò nùÉè®úÉxÉ ÊEòªÉÉ MɪÉÉ |ÉÉ´ÉvÉÉxÉ 11,552 ºÉÒ.3 ®úÉ<]õ +Éì¡ò – ºÉÒ.4 +ÊiÉÊ®úHò |ÉÉ´ÉvÉÉxÉ EòÉ ®úÉ<]õ ¤ÉèEò 4,090 ºÉÒ.5 ´É¹ÉÇ Eäò +ÆiÉ ¨Éå <ÊiÉ ¶Éä¹É 13,221

60 B. Residual Contractual Maturity Breakdown of Assets Buckets Cash & RBI Bank Advances Investments Fixed Other Grand Balances Balances # Assets Assets Total Next day 9,121 10,414 12,357 194,943 - 127 226,962 2 – 7 days 1,210 56,791 16,888 8,559 - 296 83,744 8 –14 days 1,354 5,540 12,251 6,600 - 285 26,030 15 – 30 days 1,088 3,585 23,693 5,511 - 616 34,493 Over 1 month – 2 months 1,009 - 21,487 5,426 - 969 28,891 Over 2 months – 3 months 797 - 11,994 5,252 - 892 18,935 Over 3 months – 6 months 3,959 - 158,865 20,010 - 3,676 186,510 Over 6 months – 1 years 5,421 3,072 118,242 30,365 - 5,729 162,829 Over 1 years – 3 years 28,272 28,726 469,854 146,930 - 23,154 696,936 Over 3 years – 5 years 14,373 13,181 163,003 81,784 - 20,301 292,642 Over 5 years 26,306 - 511,975 171,760 31,321 27,811 769,171 Total 92,910 1,21,309 15,20,607 6,77,140 31,321 83,856 25,27,143 # Includes Balances with other banks and money at call & short notice.

C. Non Performing Assets (NPA) and its Movement. (Amount ` in Million)

S. No. Particulars Amount A. Amount of Gross NPA 2,65,628 A. 1 Substandard 55,473 A. 2 Doubtful 1 59,099 A. 3 Doubtful 2 1,11,870 A. 4 Doubtful 3 17,158 A. 5 Loss 22,028 B Net NPA 1,22,291 C NPA Ratios C. 1 Gross NPAs to Gross Advances 15.96% C. 2 Net NPAs to Net Advances 8.04% D Movement of Gross NPA D. 1 Opening balance at the beginning of the year 206,878 D. 2 Additions during the period 129,033 D. 3 Reductions during the period 70,283 D. 4 Closing balance as at end of the period 265,628

D. Non Performing Investments (NPI) and Movement of Provision for Depreciation on Investments (Amount ` in Million)

S. No. Particulars Amount A. Amount of Non-Performing Investments 7,092 B Amount of Provision held for Non Performing Investments 4,065 C Movement of provisions for depreciation on investments – C. 1 Opening balance at the beginning of the year 5,759 C. 2 Provisions made during the period 11,552 - C. 3 Write-off during the period C. 4 Write-back of excess provisions during the period 4,090 C. 5 Closing balance as at end of the period 13,221

61 <Ç. Ê´Éʶɹ]õ B´ÉÆ ºÉɨÉÉxªÉ |ÉÉ´ÉvÉÉxÉ EòÉ ºÉÆSɱÉxÉ (` ʨÉʱɪÉxÉ ¨Éå)

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´É¹ÉÇ Eäò +É®Æú¦É ¨Éå +lÉ ¶Éä¹É 71,768 13,859 ÊiɨÉɽþÒ Eäò nùÉè®úÉxÉ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉ 1,06,855 993 ®úÉ<]õ +Éì¡ò 35,542 - +ÊiÉÊ®úHò |ÉÉ´ÉvÉÉxÉ EòÉ ®úÉ<]õ ¤ÉèEò - 6,344 |ÉÉ´ÉvÉÉxÉÉå Eäò ¤ÉÒSÉ ºÉ¨ÉɪÉÉäVÉxÉ/+ÆiÉ®úhÉ* 22,475 (3) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå <ÊiɶÉä¹É 72,543 7,512 #BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ EòÉ |ÉÊiÉÊxÉÊvÉi´É, @ ¨ÉÉxÉEò +ÊOɨÉÉå ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ EòÉ |ÉÊiÉÊxÉÊvÉi´É *BxÉ{ÉÒB EòÒ Ê¤ÉGòÒ ½äþiÉÖ +Éè®ú {ÉÒb÷¤±ªÉÚ+Éä JÉÉiÉä ¨Éå +ÆiÉ®úhÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ

B¡ò. +ÉªÉ Ê´É´É®úhÉ ¨Éå ºÉÒvÉä ¤ÉÖEò ÊEòB MÉB ®úÉ<]õ+É¡ò +Éè®ú ´ÉºÉÚʱɪÉÉå EòÉ Ê´É´É®úhÉ (` ʨÉʱɪÉxÉ ¨Éå)

+ÉªÉ Ê´É´É®hÉ ¨Éå ºÉÒvÉä ¤ÉÖEò ÊEòªÉÉ MɪÉÉ ®úÉ<]õ +É¡ò – +ÉªÉ Ê´É´É®hÉ ¨Éå ºÉÒvÉä ¤ÉÖEò EòÒ MÉ<Ç ´ÉºÉÚʱɪÉÉÆ (®úÉ<]õ +É¡ò ¨Éå) 7,284

VÉÒ. BxÉ{ÉÒB +Éè®ú |ÉÉ´ÉvÉÉxÉÉå EòÉ ¦ÉÉèMÉÉäʱÉEò Ê´ÉiÉ®úhÉ (` ʨÉʱɪÉxÉ ¨Éå) úGò¨É ºÉÆ. úÊ´É´É®úhÉ úPÉ®äú±ÉÚ úÊ´Énäù¶ÉÒ úEÚò±É

1. ºÉEò±É BxÉ{ÉÒB 2,64,193 1,434 2,65,627 2. BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ 1,42,211 870 1,43,081 3. ¨ÉÉxÉEò +ÊOɨÉÉå ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ 7,013 499 7,512

BSÉ. Ê{ÉUô±Éä ¤ÉEòɪÉÉ @ñhÉÉå EòÒ +´ÉÊvÉ (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É ºÉÆ. 31 ÊnùºÉ¨¤É®ú, 2017 EòÉä ªÉlÉÉκlÉÊiÉ Ê´É´É®úhÉ PÉ®äú±ÉÚ Ê´Énäù¶ÉÒ EÖò±É

1.1 31-90 ÊnùxÉ -- -

1.2 91-365 ÊnùxÉ 55,140 332 55,473

1.3 1-2 ´É¹ÉÇ 58,985 113 59,099

1.4 2-4 ´É¹ÉÇ 1,10,882 988 1,11,870

1.5 4 ´É¹ÉÇ ºÉä +ÊvÉEò 39,187 - 39,187

1.6 EÖò±É 2,64,194 1,434 2,65,628

62 E. Movement of Specific & General Provision (Amount ` in Million) Movement of provisions Specific Provisions# General Provisions@ Opening balance at the beginning of the year 71,768 13,859 Provisions made during the year 1,06,855 Write-off during the year 35,542 - Write-back of excess provisions during the year - 6,344 Adjustments/Transfers between provisions during the year* - (3) Closing Balance as at end of the period 1,43,081 7,512 #Represents provisions for NPA, @Represents provisions for Standard Advances *Amount utilized towards sale of NPAs and transfer to PWO account.

F. Details of write offs and recoveries that have been booked directly to the income statement (Amount ` in Million) Write offs that have been booked directly to the income statement – Recoveries (in written-off) that have been booked directly to the income statement 7,284

G. Geographic Distribution of NPA & Provisions (Amount ` in Million) SL No Particulars Domestic Overseas Total 1. Gross NPA 2,64,194 1,434 2,65,628 2. Provisions for NPA 1,42,211 870 1,43,081 3. Provisions for Standard Advances 7,013 499 7,512

H. Ageing of past due loans (Amount ` in Million) SL No Particulars as on 31st Dec, 2017 Domestic Overseas Total 1.1 31-90 days - - -

1.2 91-365 days 55,140 332 55,472

1.3 1-2 years 58,985 114 59,099

1.4 2-4 years 1,10,882 988 1,11,870

1.5 Over 4 years 39,187 - 39,187

1.6 Total 2,64,194 1,434 2,65,628

63 +É<Ç.ú BCºÉ{ÉÉäVÉ®ú EòÉ =tÉäMÉ´ÉÉ® ºÉÆÊ´ÉiÉ®úhÉ (` ʨÉʱɪÉxÉ ¨Éå) 31 ¨ÉÉSÉÇ 2018 EòÉä ªÉlÉÉκlÉÊiÉ 31 ¨ÉÉSÉÇ 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉɽþÒ ½äþiÉÖ =tÉäMÉ BCºÉ{ÉÉäVÉ®ú ºÉEò±É |ÉÉ´ÉvÉÉxÉ ®úÉ<]õ- BxÉ{ÉÒB ½äþiÉÖ ÊxÉÊvÉEò# MÉè®ú ÊxÉÊvÉEò BxÉ{ÉÒB BxÉ{ÉÒB ¨ÉÉxÉEò +ÊOÉ¨É +É¡ò |ÉÉ´ÉvÉÉxÉ

ºÉÉ´ÉvÉÒ VɨÉÉ Eäò ºÉÉ{ÉäIÉ +ÊOÉ¨É 49,933 9,490 0 0 20 0 0 EÞòÊ¹É B´ÉÆ ºÉƤÉrù MÉÊiÉÊ´ÉÊvɪÉÉÆ 302,022 – 16,035 5,441 625 986 1,948 ºÉ¨ÉºiÉ <ÆVÉÒÊxɪÉË®úMÉ 45,286 23,523 21,504 9,658 45 51 4,583 ʴɨÉÉxÉxÉ¨É – – ––– – – ¨ÉÚ±Éú vÉÉiÉÖ B´ÉÆ vÉÉiÉÖ =i{ÉÉnù 95,274 35,471 57,622 27,446 95 12 5,563 ®úºÉɪÉxÉ B´ÉÆ ®úɺÉɪÉÊxÉEò =i{ÉÉnù 48,958 6,100 8,440 7,121 202 3 542 ºÉÒ¨Éå]õ B´ÉÆ ºÉÒ¨Éå]õ Eäò =i{ÉÉn 10,680 3,906 1,415 514 27 7 62 EòÉÆSÉ B´ÉÆ EòÉÆSÉ Eäò ºÉɨÉÉxÉ 1,354 536 6 2 3 1 1 {ÉäªÉ B´ÉÆ iÉƤÉÉEÚò 4,019 329 551 280 11 2 119 ´ÉÉÊhÉÎVªÉEò ºlÉÉ´É®ú ºÉÆ{ÉnùÉ 28,111 1,101 8,900 4,702 117 5 118 EÆò{ªÉÚ]õ®ú ºÉ}]õõ´ÉäªÉ®ú 783 332 – – 4 – – Ê´ÉÊxɨÉÉÇhÉ 31,576 65,080 16,567 10,929 46 589 5,592 ={ɦÉÉäHòÉ Ê]õEòÉ>ð ´ÉºiÉÖBÆ 56 41 8 1 – 1 – ʶÉIÉÉ @ñùhÉ 15,762 – 595 161 51 164 94 JÉÉt |ɺÉƺEò®úhÉ 26,855 5,100 6,243 3,973 216 29 1,977 ®úixÉ B´ÉÆ VÉ´Éɽþ®úÉiÉ 10,015 3,891 5,036 4,009 5 1 3,675 +É´ÉÉºÉ @ñhÉ 140,134 13,604 4,623 1,000 449 34 478 +ÉvÉÉ®ú¦ÉÚiÉ ºÉÆ®úSÉxÉÉ 228,051 53,894 2,8364 14,880 961 – 8590 SɨÉc÷É B´ÉÆ SɨÉc÷É =i{ÉÉn 2,072 3 111 30 3 3 3 JÉxÉxÉ B´ÉÆ =iJÉxÉxÉ 18,340 7,176 6,621 5,998 8 1 4,837 MÉè®ú ¤ÉéËEòMÉ Ê´ÉkÉÒªÉ EÆò{ÉÊxɪÉÉÆ 183,597 – 354 243 578 – 110 ¨ªÉÖSÉÖ+±É ¡Æòb÷ B´ÉÆ BxɤÉÒB¡òºÉÒ ºÉä ð{É®ú ¶ÉÉÊ¨É±É xɽþÓ ½éþ 469,611 22,415 31,784 18,879 2,870 241 9,134

EÖò±É 2,104,054 294,227 265,628 143,081 7,512 6,620 55,112 #ÊxÉÊvÉEò BCºÉ{ÉÉäVÉ®ú ¨Éå @ñùhÉ BCºÉ{ÉÉäVÉ®ú B´ÉÆ ÊxÉ´Éä¶É BCºÉ{ÉÉäVÉ®ú ¶ÉÉÊ¨É±É ½èþ* 3MÉè®ú-ÊxÉÊvÉEò BCºÉ{ÉÉäVÉ®ú ¨Éå ¤ÉéEò MÉÉ®Æú]õÒ, ºÉÉJÉ {ÉjÉ +Éè® ´ÉɪÉnùÉ ºÉÆÊ´ÉnùÉ ¶ÉÉÊ¨É±É ½éþ*

64 I. Industry Type Distribution of Exposures (Amount ` in Million) For quarter ended As on 31.03.2018 Industry 31st March 2018 Exposure Gross Provision for Write Standard Provisions Funded* Non-Funded* NPA NPA -offs Advances for NPA Advances against Fixed Deposits 49,933 9,490 0 0 20 0 0 Agriculture & Allied activities 302,022 – 16,035 5,441 625 986 1,948 All Engineering 45,286 23,523 21,504 9,658 45 51 4,583 Aviation – – – – – – – Basic Metal and Metal Products 95,274 35,471 57,622 27,446 95 12 5,563 Chemicals and Chemical Products 48,958 6,100 8,440 7,121 202 3 542 Cement and Cement Products 10,680 3,906 1,415 514 27 7 62 Glass and Glassware 1,354 536 6 2 3 1 1 Beverage & Tobacco 4,019 329 551 280 11 2 119 Commercial Real Estate 28,111 1,101 8,900 4,702 117 5 118 Computer Software 783 332 – – 4 – – Construction 31,576 65,080 16,567 10,929 46 589 5,592 Consumer Durables 56 41 8 1 – 1 – Education Loans 15,762 – 595 161 51 164 94 Food Processing 26,855 5,100 6,243 3,973 216 29 1,977 Gems & Jewellery 10,015 3,891 5,036 4,009 5 1 3,675 Housing Loans 140,134 13,604 4,623 1,000 449 34 478 Infrastructure 2,28,051 53,894 2,8364 14,880 961 – 8590 Leather & Leather Products 2,072 3 111 30 3 3 3 Mining and Quarrying 18,340 7,176 6,621 5,998 8 1 4,837 Non-Banking Finance Companies 183,597 – 354 243 578 – 110 Banking & Finance other than NBFCS & MFs 91,442 2866 – – 410 – – Paper & Paper Products 11,779 1,666 3,294 1,222 28 3 280 Petroleum, Coal Products and 10,155 4,712 2,984 2,108 21 2 933 Nuclear Fuels Professional Services 34,670 73 2,163 555 85 80 181 Retail Trade 96,213 2,801 6,741 2,344 187 247 879 Rubber, Plastic & their Products 6,357 2,540 398 108 14 7 36 Shipping 4,176 – – – 17 – – Textiles 58,430 5,760 15,822 11,647 250 4,096 2,136 Tourism, Hotel and Restaurants 11,535 414 3,606 960 20 4 115 Transport Operators 5,330 163 462 174 15 8 59 Vehicle/Auto Loans 14,950 123 1,591 1,021 53 17 461 Vehicles, Vehicle Parts and Transport 11,165 1,981 7,648 2,949 7 4 300 Equipment Wholesale Trade 32,215 1,683 6,013 4,686 62 0 2,291 Wood & Wood Products 3,142 2,378 124 35 8 20 12 Other Industry not included above 469,611 22,415 31,784 18,879 2,870 241 9,134 Total 2,104,054 294,227 265,628 143,081 7,512 6,620 55,112

*Funded Exposure include Credit exposure and investment exposure #Non-Funded Exposure includes Bank Guarantee, LC and Forward Contract

65 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉκlÉÊiÉ =tÉääMÉ ¨Éå ¤ÉéEò Eäò EÖò±É ÊxÉÊvÉEòò +Éè®ú MÉè®ú-ÊxÉÊvÉEò Eäò 5% ºÉä +ÊvÉEò BCºÉ{ÉÉäVÉ®ú (` ʨÉʱɪÉxÉ ¨Éå)

Gò¨É =tÉäMÉ ºÉEò±É @ñhÉ EòÉ % ºÉÆ. 1. +ÉvÉÉ®ú¦ÉÚiÉ +´ÉºÉÆ®úSÉxÉÉ 11.76% 1.1 ÊVɺɨÉå ºÉä: Ê´ÉtÖiÉ 6.01% 2. ¨ÉÚ±É vÉÉiÉÖ +Éè®ú vÉÉiÉÖ =i{ÉÉnù 5.45% 2.1 ÊVɺɨÉå ºÉä ±ÉÉè½þ B´ÉÆ <º{ÉÉiÉ 4.54% 3. MÉè®ú ¤ÉéËEòMÉ Ê´ÉkÉÒªÉ EÆò{ÉÊxɪÉÉÆ 7.66%

ºÉÉ®úhÉÒ b÷ÒB¡ò-4 @ñhÉ VÉÉäÊJɨÉ: ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ Eäò +vªÉvÉÒxÉ {ÉÉä]Çõ¡òÉäʱɪÉÉä EòÉ |ÉEò]õÒEò®úhÉ

¤ÉéE xÉå +{ÉxÉä @ñhÉ {ÉÉä]Çõ¡òÉäʱɪÉÉä EòÒ VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉʺiɪÉÉå EòÒ MÉhÉxÉÉ ½äþiÉÖ ¦ÉÉÊ®ú¤ÉéEò Eäò ¤ÉɺÉä±É *** {ÉÚÆVÉÒ Ê´ÉÊxɪɨÉÉå Eäò +ÆiÉMÉÇiÉ ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ EòÉ |ɪÉÉäMÉ ÊEòªÉÉ ½èþ* ¦ÉÉÊ®ú¤Éé Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¤ÉéEòÉå ºÉä +{ÉäÊIÉiÉ ½èþ ÊEò ´Éä PÉ®äú±ÉÚ |ÉÊiÉ{ÉIÉEòÉ®úÉå Eäò ºÉƤÉÆvÉ ¨Éå VÉÉäÊJÉ¨É ¦ÉÉ®ú nùÉ´ÉÉå ½äþiÉÖ ¤ÉÉÁ @ñhÉ ®äúË]õMÉ BVÉåʺɪÉÉå (<ǺÉÒ+É®úB) +lÉÉÇiÉ Ê¥ÉEò´ÉCºÉÇ, EäòªÉ®ú, ÊGòʺɱÉ,

{ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ iÉÒxÉ |ɨÉÖJÉ VÉÉäÊJÉ¨É ¤ÉEò]õ ¨Éå ¤ÉéEò Eäò +ÊOÉ¨É {ÉÉä]Çõ¡òÉäʱɪÉÉä ¨Éå <ºÉEòÉ BCºÉ{ÉÉäVÉ®ú (®äú]äõb÷ +Éè®ú +xÉ®äú]äõb÷) ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ* (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É VÉÉäÎJÉ¨É ¦ÉÉ®ú ÊxÉÊvÉEò MÉè®ú ÊxÉÊvÉEò ºÉÆ 1 100% ºÉä Eò¨É VÉÉäÊJÉ¨É ¦ÉÉ®ú 12,47,120 1,67,937 2 100% VÉÉäÊJÉ¨É ¦ÉÉ®ú 5,88,410 57,747 3 100% ºÉä +ÊvÉEò VÉÉäÊJÉ¨É ¦ÉÉ®ú 1,93,914 64,256 4 {ÉÚÆVÉÒMÉiÉ ÊxÉÊvɪÉÉå ºÉä Eò]õÉèiÉÒ - - EÖò±É BCºÉ{ÉÉäVÉ®ú 20,29,444 2,89,940

ºÉÉ®úhÉÒ b÷ÒB¡ò-5 @ñhÉ VÉÉäÊJÉ¨É ¶É¨ÉxÉ: ¨ÉÉxÉEòÒEÞòiÉ oùι]õõEòÉähÉ ½äþiÉÖ |ÉEò]õÒEò®úhÉ

¤ÉéEò ¤ÉÉäbÇ÷ +xÉÖ¨ÉÉäÊnùiÉ @hÉ VÉÉäÊJÉ¨É ¶É¨ÉxÉ +Éè®ú ºÉÆ{ÉÉÌ·ÉEò |ɤÉÆvÉxÉ Eäò +ÉvÉÉ®ú {É®ú Ê´ÉʦÉzÉ ºÉÆ{ÉÉÌ·ÉEò Ê´ÉkÉÒªÉ +Éè®ú MÉè®ú-Ê´ÉkÉÒªÉ, MÉÉ®ÆúÊ]õªÉÉå +Éè®ú @ñhÉ ¤ÉÒ¨ÉÉ EòÉ @ñhÉ VÉÉäÊJÉ¨É ¶É¨ÉxÉ ½äþiÉÖ |ɪÉÉäMÉ Eò®úiÉÉ ½èþ ÊVɺɨÉå VÉÉäÊJÉ¨É ¶É¨ÉxÉ +Éè®ú ºÉÆ{ÉÉÌ·ÉEò |ɤÉÆvÉxÉ Eäò ʴɺiÉÞiÉ Ênùù¶ÉÉÊxÉnæù¶É ¶ÉÉÊ¨É±É ½éþ* xÉÒÊiÉ ¤ÉéEò uùÉ®úÉ º´ÉÒEòɪÉÇ VÉÉäÊJÉ¨É ¶É¨ÉxÉ +Éè®ú ºÉÆ{ÉÉÌ·ÉEò |ɤÉÆvÉxÉ Eäò º´É°ü{É, ºÉÆ{ÉÉÌ·ÉEò ½äþiÉÖ |ɱÉäJÉxÉ B´ÉÆ +ʦɮúIÉhÉ Eò®úÉ®ú, +Éè®ú ¨ÉÚ±ªÉÉÆEòxÉ oùι]õEòÉähÉ B´ÉÆ +É´ÉÊvÉEòiÉÉ VÉèºÉä {ɽþ±ÉÖ+Éå EòÉä ¶ÉÉÊ¨É±É Eò®úiÉÒ ½èþ* @ñhÉ VÉÉäÊJÉ¨É ½äþiÉÖ {ÉÚÆVÉÒ +{ÉäIÉÉ EòÒ MÉhÉxÉÉ Eäò |ɪÉÉäVÉxÉ ½äþiÉÖ ¤ÉéEò Eäò´É±É =xÉ ºÉÆ{ÉÉÌ·ÉEòÉå EòÉä ¨ÉÉxªÉiÉÉ näùiÉÉ ½èþ VÉÉä ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ ºÉƤÉÆvÉÒ ¦ÉÉÊ®ú¤Éé ¤ÉɺÉä±É *** ¨Éå VÉÉäÊJÉ¨É ¶É¨ÉxÉ ½äþiÉÖ {ÉÉjÉ ½èþ VÉÉä ÊxɨxÉʱÉÊJÉiÉ ½éþþ* • ¤ÉéEò ¨Éå xÉEònù VɨÉÉ • ºÉ®úÉÇú¡òÉ +Éè®ú VÉ´Éɽþ®úÉiÉ ºÉʽþiÉ º´ÉhÉÇ • Eäòxpù +Éè®ú ®úÉVªÉ ºÉ®úEòÉ®úÉå uùÉ®úÉ VÉÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ • ÊEòºÉÉxÉ Ê´ÉEòÉºÉ {ÉjÉ +Éè®ú ®úɹ]ÅõÒªÉ ¤ÉSÉiÉ |ɨÉÉhÉ{ÉjÉ

66 Exposures to industries in excess of 5% of total Funded & Non Funded of the Bank as on Mar 31, 2018 (Amount ` in Million) S. Industry % of Funded & Non Funded Exposure No. 1. Infrastructure 11.76% 1.1 Out of which: Power 6.01% 2. Basic Metal and Metal Products 5.45% 2.1 Out of Which: Iron and Steel 4.54% 3. Non-Banking Finance Companies 7.66%

CREDIT RISK: DISCLOSURES FOR PORTFOLIOS TABLE DF – 4 SUBJECT TO THE STANDARDIZED APPROACH

The Bank has used the Standardized Approach under the RBI's Basel III capital regulations for calculation of risk- weighted assets of its credit portfolio. The RBI guidelines require banks to use ratings assigned by specified External Credit Rating Agencies (ECRA) namely Brickworks, CARE, CRISIL, ICRA, India Ratings, SMERA and Infomerics for domestic counterparties and Standard & Poor's, Moody's and Fitch for foreign counterparties. The Bank is using issuer ratings and short-term and long-term instrument/bank facilities' ratings which are assigned by the accredited rating agencies, i.e. ECRA, published in the public domain to assign risk-weights in terms of RBI guidelines. In respect of claims on non-resident corporates and foreign banks, ratings assigned by international rating agencies i.e. Standard & Poor's, Moody's and Fitch is used.

QUANTITATIVE DISCLOSURES The Bank's exposure on its advance portfolio (rated and unrated) bifurcated in three major risk buckets are as follows:

(Amount ` in Million)

Sl. Risk Weight Fund Based Non Funded Based No. 1 Below 100% risk weight 12,47,120 1,67,937 2 100% risk weight 5,88,410 57,747 3 More than 100% risk weight 1,93,914 64,256 4 Deduction from capital funds - - 5 Total Exposure 20,29,444 2,89,940

CREDIT RISK: MITIGATION : DISCLOSURES FOR TABLE DF – 5 STANDARDIZED APPROACHES

The Bank uses various collaterals both financial as well as non-financial, guarantees and credit insurance as credit risk mitigants based on its board approved Credit Risk Mitigation and Collateral Management policy which include detailed guidelines for risk mitigation and collateral management. The policy covers aspects such as the nature of risk mitigants/ collaterals acceptable to the Bank, the documentation and custodial arrangement of the collateral, the valuation approach and periodicity etc. For the purpose of computation of capital requirement for Credit Risk, the Bank recognizes only those collaterals that are considered as eligible for risk mitigation in the RBI Basel III guidelines on standardized approach, which are as follows:  Cash deposit with the Bank  Gold, including bullion and jewelry  Securities issued by Central and State Governments  Kisan Vikas Patra and National Savings Certificates

67 ¤ÉéEò {ÉÚÆVÉÒ ÊxÉvÉÉÇ®úhÉ ½äþiÉÖ ´ªÉÉ{ÉEò oùι]õEòÉähÉ EòÉ ={ɪÉÉäMÉ Eò®úiÉÉ ½èþ* ´ªÉÉ{ÉEò oùι]õEòÉähÉ ¨Éå VÉ¤É ºÉÆ{ÉÉÌ·ÉEò ʱɪÉÉ VÉÉiÉÉ ½èþ iÉÉä ¤ÉéEò ºÉÆ{ÉÉÌ·ÉEò Eäò |ɦÉÉ´É EòÉä ÊxÉ´É±É Eò®ú {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ Eäò |ɪÉÉäVÉxÉ ½äþiÉÖ |ÉÊiÉ{ÉIÉ Eäò ºÉ¨ÉɪÉÉäÊVÉiÉ BCºÉ{ÉÉäVÉ®ú EòÒ MÉhÉxÉÉ Eò®úiÉÉ ½èþ* ¤ÉÉVÉÉ®ú ºÉÆSɱÉxÉ Eäò EòÉ®úhÉ |ÉÊiɦÉÚÊiÉ Eäò ¨ÉÚ±ªÉ ¨Éå ºÉƦÉÉÊ´ÉiÉ ¦ÉÉ´ÉÒ =iÉÉ®úSÉgøÉ´É EòÉä vªÉÉxÉ ¨Éå ®úJÉiÉä ½ÖþB ¤ÉéEò ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ ½äþªÉ®úEò]õ uùÉ®úÉ ÊEòºÉÒ ºÉÆ{ÉÉÌ·ÉEò |ÉÊiɦÉÚÊiÉ Eäò ¨ÉÚ±ªÉ EòÉä ºÉ¨ÉɪÉÉäÊVÉiÉ Eò®úiÉÉ ½èþ* {ÉÚÆVÉÒ MÉhÉxÉÉ Eäò |ɪÉÉäVÉxÉ ½äþiÉÖ ¤ÉéEò @ñhÉ ºÉÆ®úIÉhÉ EòÉä ¨ÉÉxªÉiÉÉ näùiÉÉ ½èþ +lÉÉÇiÉ ÊxɨxÉʱÉÊJÉiÉ ºÉƺlÉÉ+Éå uùÉ®úÉ nùÒ MÉ<Ç MÉÉ®ÆúÊ]õªÉÉå EòÉä ¦ÉÉÊ®ú¤Éé Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¨ÉÉjÉ ¨ÉÉxÉÉ MɪÉÉ ½èþ* • ºÉÆ|ɦÉÖiÉÉ +lÉÉÇiÉ Eäòxpù +Éè®ú ®úÉVªÉ ºÉ®úEòÉ®åú • ºÉÆ|ɦÉÖ ºÉƺlÉÉBÆ VÉèºÉä ÊxɪÉÉÇiÉ @ñhÉ MÉÉ®Æú]õÒ ÊxÉMÉ¨É (<ǺÉÒVÉÒºÉÒ), GäòÊb÷]õ MÉÉ®Æú]õÒ ¡Æòb÷ ]Åõº]õ ¡òÉ® ¨ÉÉ

{ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ @ñhÉ ¶É¨ÉxÉ uùÉ®úÉ ºÉÖ®úÊIÉiÉ ÊxÉ´Éä¶É

Ê´É´É®úhÉ (` ʨÉʱɪÉxÉ ¨Éå) {ÉÉjÉ Ê´ÉkÉÒªÉ ºÉÆ{ÉÉÌ·ÉEò uùÉ®úÉ ºÉÖ®úÊIÉiÉ EÖò±É BCºÉ{ÉÉäVÉ®ú 66,355 MÉÉ®ÆúÊ]õªÉÉå uùÉ®úÉ ºÉÖ®úÊIÉiÉ EÖò±É BCºÉ{ÉÉäVÉ®ú 89,403

ºÉÉ®úhÉÒ b÷ÒB¡ò-6 |ÉÊiɦÉÚÊiÉEò®úhÉ: ¨ÉÉxÉEòÒEÞòiÉ oùι]õEòÉähÉ ½äþiÉÖ |ÉEò]õÒEò®úhÉ MÉÖhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ ¤ÉéEò/ºÉ¨ÉÚ½þ EòÉ EòÉä<Ç |ÉÊiɦÉÚÊiÉEò®úhÉ BCºÉ{ÉÉäVÉ®ú xɽþÓ ½èþ*

68  Life insurance policies with a declared surrender value  Debt securities rated at least BBB (-)/PR3/P3/F3/A3  Units of Mutual Funds The Bank uses the comprehensive approach in capital assessment. In the comprehensive approach, when taking collateral, the Bank calculates the adjusted exposure to a counterparty for capital adequacy purposes by netting off the effects of that collateral. The Bank adjusts the value of any collateral by a haircut, as prescribed by RBI, to take into account possible future fluctuations in the value of the security occasioned by market movements.

For the purpose of capital calculation, the Bank recognizes the credit protection i.e. guarantees, given by the following entities, considered eligible as per RBI guidelines:

 Sovereigns i.e. Central and State Governments

 Sovereign entities which includes Export Credit Guarantee Corporation (ECGC), Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and other guarantees covered under National Credit Guarantee Trustee Company Limited (NCGTC).

The credit risk mitigation taken is largely in the form of cash deposit with the Bank and thus the risk (credit and market) concentration of the mitigants is low.

Quantitative Disclosures Exposure covered by Credit Mitigation Particulars ( ` in Million) Total exposure covered by eligible financial collateral 66,355 Total exposure covered by guarantees 89,403

SECURITIZATION: DISCLOSURE FOR STANDARDIZED TABLE DF – 6 APPROACH QUALITATIVE DISCLOSURES:

The Bank/Group does not have any securitization exposure.

69 ºÉÉ®úhÉÒ b÷ÒB¡ò-7 ´ªÉÉ{ÉÉ®ú ¤É½þÒ ¨Éå ¤ÉÉVÉÉ®ú VÉÉäÊJɨÉ

• ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É EòÉä ¤ªÉÉVÉ nù®ú, Ê´Énäù¶ÉÒ ¨ÉÖpùÉ Ê´ÉÊxÉ¨ÉªÉ nù®ú, <ÎC´É]õÒ ¨ÉÚ±ªÉ +Éè®ú {ÉhªÉ ´ÉºiÉÖ+Éå Eäò ¨ÉÚ±ªÉ VÉèºÉä ¤ÉÉVÉÉ®ú Eäò =iÉÉ®ú-SÉgøÉ´É ´ÉɱÉä {ÉÊ®ú´ÉiÉÇxÉÉå/ºÉÆSɱÉxÉÉå ºÉä =i{ÉzÉ ÎºlÉÊiÉ Eäò EòÉ®úhÉ ¤ÉéEò EòÉä ½þÉäxÉä ´ÉɱÉä ½þÉÊxÉ EòÒ ºÉƦÉÉ´ÉxÉÉ Eäò °ü{É ¨Éå {ÉÊ®ú¦ÉÉʹÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É ¨Éå ¤ÉéEò EòÉ BCºÉ{ÉÉäVÉ®ú ´ªÉ´ÉºÉÉªÉ ¤ÉʽþªÉÉå (BB¡òBºÉ +Éè®ú BSÉB¡ò]õÒ ¸ÉähÉÒ) ¨Éå PÉ®äú±ÉÚ ÊxÉ´Éä¶ÉÉ å (¤ªÉÉVÉ ºÉƤÉÆvÉÒ Ê±ÉJÉiÉÉå B´ÉÆ <ÎC´ÉÊ]õªÉÉå), Ê´Énäù¶ÉÒ ¨ÉÖpùÉ Ê´ÉÊxÉ¨ÉªÉ ÎºlÉÊiɪÉÉå ºÉä =i{ÉzÉ ½þÉäiÉÉ ½èþ* ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ EòÉ =qäù¶ªÉ +ÉMÉ¨É B´ÉÆ <ÎC´É]õÒ {É®ú ½þÉÊxÉ Eäò |ɦÉÉ´É EòÉä Eò¨É Eò®úxÉÉ*

• ¤ÉéEò ¨Éå EòÉ®úMÉ®ú ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ½äþiÉÖ ÊxÉ´Éä¶É, Ê´Énäù¶ÉÒ ¨ÉÖpùÉ {ÉÊ®úSÉɱÉxÉ, ¡òÉ®äúCºÉ ¨ÉÉEæò]õ ¨Éå ]ÅäõËb÷MÉ Êb÷®úÉ<´ÉäÊ]õ´É, +ÉκiÉ näùªÉiÉÉ |ɤÉÆvÉxÉ B´ÉÆ iÉxÉÉ´É {É®úÒIÉhÉ ºÉƤÉÆvÉÒ ¤ÉÉäbÇ÷ uùÉ®úÉ +xÉÖ¨ÉÉäÊnùiÉ xÉÒÊiɪÉÉÆ ½éþ* xÉÒÊiɪÉÉÆ ªÉ½þ ºÉÖÊxÉÎSÉiÉ Eò®úiÉÒ ½éþ ÊEò κlÉ®ú +ÉªÉ ´ÉɱÉÒ |ÉÊiɦÉÚÊiɪÉÉå, <ÎC´ÉÊ]õªÉÉå, Ê´Énäù¶ÉÒ ¨ÉÖpùÉ +Éè®ú Êb÷®úÉ<´ÉäÊ]õ´É ¨Éå {ÉÊ®úSÉɱÉxÉ ºÉÖoùgø ´ªÉ´ÉºÉÉªÉ {ÉÊ®ú{ÉÉÊ]õªÉÉå +Éè®ú ¨ÉÉèVÉÚnùÉ ÊxɪÉɨÉEò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ºÉÆSÉÉʱÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ*

• ¤ÉéEò xÉä ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É Eäò ¨ÉÉ{ÉxÉ, ¨ÉÉÊxÉ]õË®úMÉ +Éè®ú |ɤÉÆvÉxÉ ½äþiÉÖ Ê´ÉʦÉzÉ ºÉÒ¨ÉÉBÆ iÉªÉ EòÒ ½éþ, VÉèºÉä - ¨ÉÉìÊb÷¡òÉ

¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É {ÉÚÆVÉÒ +{ÉäIÉÉ • ¤ÉéEò xÉä ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É {É®ú {ÉÚÆVÉÒ |ɦÉÉ®ú EòÒ MÉhÉxÉÉ ½äþiÉÖ ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ ¨ÉÉxÉEòÒEÞòiÉ +´ÉÊvÉ oùι]õEòÉähÉ EòÉä +{ÉxÉɪÉÉ ½èþ*

{ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ: ¤ÉÉVÉÉ®ú VÉÉäÊJÉ¨É ½äþiÉÖ EÖò±É {ÉÚÆVÉÒ +{ÉäIÉÉ

(` ʨÉʱɪÉxÉ ¨Éå) Ê´É´É®úhÉ EÖò±É ¤ªÉÉVÉ nù®ú VÉÉäÊJÉ¨É 10,546 <ÎC´É]õÒ ÎºlÉÊiÉ VÉÉäÊJÉ¨É 4,833 Ê´Énäù¶ÉÒ Ê´ÉÊxÉ¨ÉªÉ VÉÉäÊJÉ¨É 81 EÖò±É {ÉÚÆVÉÒ +{ÉäIÉÉ 15,460

70 TABLE DF – 7 MARKET RISK IN TRADING BOOK

 Market Risk is defined as the possibility of loss caused by changes/movements in the market variables such as interest rates, foreign currency exchange rates, equity prices and commodity prices. Bank's exposure to Market risk arises from investments (interest related instruments and equities) in trading book (both AFS and HFT categories) and the Foreign Exchange positions. The objective of the market risk management is to minimize the impact of losses on earnings and equity.

 The Bank has put in place Board approved Policies on Investments, Foreign Exchange Operations, Trading in Forex Market, Derivatives, and Stress Testing for effective management of market risk. The policies ensure that operations in fixed income securities, equities, foreign exchange and derivatives are conducted in accordance with sound business practices and as per extant regulatory guidelines.

 The Bank has put in place various limits to measure, monitor and manage market risk, viz., Modified duration Limits. Day Light Limits, Overnight Limits, Aggregate Gap Limits, VaR Limit, Deal Size Limits, Counterparty Limits, Instrument-wise Limits, Stop Loss Limits etc. The limits are monitored on daily basis and reported to the top management as per stipulated timelines.

Market Risk Capital Requirement

 The Bank has adopted Standardized Duration Approach as prescribed by RBI for computation of capital charge for Market Risk.

Quantitative Disclosures: Total Capital Requirement for Market Risk

(Amount ` in Million) Particulars Amount Interest rate risk 10,546 Equity position risk 4,833 Foreign exchange risk 81 Total Capital required 15,460

71 ºÉÉ®úhÉÒ b÷ÒB¡ò-8 {ÉÊ®úSÉɱÉxÉ VÉÉäÊJɨÉ

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1. ¤ªÉÉVÉ nù®ú ¨Éå {ÉÊ®ú´ÉiÉÇxÉ VÉÉäÊJÉ¨É {É®ú +VÉÇxÉ (BxÉ+É<Ç+É<Ç) 1.00% 606

2. ¤ªÉÉVÉ nù®ú ¨Éå {ÉÊ®ú´ÉiÉÇxÉ VÉÉäÊJÉ¨É {É®ú <ÎC´É]õÒ EòÉ +ÉÌlÉEò ¨ÉÚ±ªÉ (xÉä]õ´ÉlÉÇ) 1.00% 4,611

72 TABLE DF – 8 OPERATIONAL RISK

Operational Risk

 Operational Risk is the risk of loss resulting from inadequate or failed internal processes, people and systems or from external events. Operational risk includes legal risk but excludes strategic and reputation risks.

 The Bank has framed Operational Risk Management Policy duly approved by the Board. Supporting policies adopted by the Board which deal with management of various areas of operational risk are (a) Compliance Risk Management Policy (b) Forex Risk Management Policy (c) Policy Document on Know Your Customers (KYC) and Anti Money Laundering (AML) Procedures (d) Business Continuity and Disaster Recovery Policy (e) Fraud Risk Management Policy etc.

 The Operational Risk Management Policy adopted by the Bank outlines organization structure and detailed processes for management of operational risk. The basic objective of the policy is to closely integrate operational risk management system into the day-to-day risk management processes of the Bank by clearly assigning roles for effectively identifying, assessing, monitoring and controlling / mitigating operational risks and by timely reporting of operational risk exposures, including material operational losses. Operational risks in the Bank are managed through comprehensive and well-articulated internal control frameworks. Capital Requirement

 The Bank has adopted the Basic Indicator Approach for computing capital for Operational Risk. As per the guidelines, the capital for operational risk is equal to 15% of average positive annual Gross Income of previous three years as defined by RBI.

 Accordingly, the capital requirement for operational risk as on 31.03.2018 is `16,187 Million.

TABLE DF – 9 INTEREST RATE RISK IN THE BANKING BOOK (IRRBB)

 Interest Rate Risk is the risk where changes in market interest rates might adversely affect a Bank's financial condition. The immediate impact of changes in interest rates is on Bank's earnings i.e. Net Interest Income (NII). A long -term impact of changing interest rates is on Bank's Market Value of Equity (MVE) or Net Worth as the economic value of Bank's assets, liabilities and off-balance sheet positions get affected due to variation in market interest rates.

 The impact on income (Earnings perspective) is measured through use of Traditional Gap analysis, which measures mismatch between rate sensitive liabilities and rate sensitive assets (including off- balance sheet positions) over different time intervals, as at a given date. The impact of interest rate risk on NII is assessed by applying notional rate shock of 100, 200 & 300 bps on gaps in various time bucket up to a period of one year as prescribed in Bank's ALM Policy.

 The Bank has adopted Duration Gap Analysis (DGA) to measure interest rate risk in its balance sheet from the economic value perspective. The Bank computes bucket-wise Modified Duration of Rate Sensitive Liabilities and Assets using the suggested common maturity, coupon and yield parameters, prescribed by RBI/BOARD. The Modified Duration Gap is computed from weighted average modified duration of total rate sensitive assets and rate sensitive liabilities. The impact of change in interest rate on net worth is analyzed by applying a notional interest rate shock of 100, 200 & 300 bps.

 The analysis & reporting of Interest rate risk is done by the Bank on a monthly basis.

Quantitative Disclosures (` in Million) S.No.

1. Change in Interest Rate Earnings at Risk (NII) 1.00% 606

2. Change in Interest Rate Economic Value of Equity at Risk 1.00% (Net Worth) 4,611

73 ºÉÉ®úhÉÒ b÷ÒB¡ò-10 |ÉÊiÉ{ÉIÉ @ñhÉ VÉÉäÊJÉ¨É ºÉä ºÉƤÉÆÊvÉiÉ BCºÉ{ÉÉäVÉ®ú EòÉ ºÉɨÉÉxªÉ |ÉEò]õÒEò®úhÉ

|ÉÊiÉ{ÉIÉ @ñhÉ VÉÉäÊJÉ¨É ºÉä ºÉƤÉÆÊvÉiÉ BCºÉ{ÉÉäVÉ®ú ½äþiÉÖ ºÉɨÉÉxªÉ |ÉEò]õÒEò®úhÉ. • |ÉÊiÉ{ÉIÉ @ñhÉ VÉÉäÊJÉ¨É BäºÉÉ VÉÉäÊJÉ¨É ½èþ ÊVɺɨÉå ÊEòºÉÒ Ê´ÉkÉÒªÉ ºÉÆÊ´ÉnùÉ ¨Éå ¶ÉÉÊ¨É±É |ÉÊiÉ{ÉIÉ ºÉÆÊ´ÉnùÉ EòÒ ºÉ¨ÉÉÎ{iÉ ºÉä {ÉÚ´ÉÇ SÉÚEò Eò®úiÉÉ ½èþ B´ÉÆ ºÉÆÊ´ÉnùÉ Eäò +xÉÖºÉÉ®ú ºÉÉ®úÉ ¦ÉÖMÉiÉÉxÉ xɽþÓ Eò®úiÉÉ ½èþ* • +Éä´É®ú-nùÒ-EòÉ=Æ]õ®ú (+Éä]õÒºÉÒ) Êb÷®úÉ<´ÉäÊ]õ´É B´ÉÆ |ÉÊiɦÉÚÊiÉ Ê´ÉkÉ{ÉÉä¹ÉhÉ ±ÉäxÉnäùxÉ (BºÉB¡ò]õÒ) ºÉä =i{ÉzÉ EäòxpùÒªÉ |ÉÊiÉ{ÉIÉ EòÉä BCºÉ{ÉÉäVÉ®ú EäòxpùÒªÉ |ÉÊiÉ{ÉIÉ {É®ú |ɪÉÉäVªÉ {ÉÚÆVÉÒ |ɦÉÉ®ú EòÉä +ÉEò̹ÉiÉ Eò®úiÉÉ ½èþ* • EäòxpùÒªÉ |ÉÊiÉ{ÉÊIɪÉÉå uùÉ®úÉ MÉÉ®Æú]õÒEÞòiÉ ´ªÉÉ{ÉÉ®ú ½äþiÉÖ |ɪÉÉäVªÉ VÉÉäÊJÉ¨É ¦ÉÉ®ú, ÊVÉx½åþ ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò +lÉ´ÉÉ ºÉä¤ÉÒ uùÉ®úÉ C´ÉɱÉÒ¡òÉ<ÆMÉ EäòxpùÒªÉ |ÉÊiÉ{ÉIÉ Eäò °ü{É ¨Éå ¨ÉÉxªÉiÉÉ |ÉÉþ{iÉ ½è, +Éä]õÒBºÉ b÷Ò±É EòÒ iÉÖ±ÉxÉÉ ¨Éå Eò¨É ½þÉäiÉÉ ½èþ* • ¦ÉÉ®úiÉ ¨Éå ´ÉiÉǨÉÉxÉ ¨Éå SÉÉ®ú CªÉÚºÉÒºÉÒ{ÉÒ ½èþ +lÉÉÇiÉ ÎC±ÉªÉË®úMÉ EòÉ®ú{ÉÉä®äú¶ÉxÉ +Éì¡ò <ÆÊb÷ªÉÉ (ºÉÒºÉÒ+É<ÇB±É), xÉä¶ÉxÉ±É ÊºÉCªÉÉäÊ®ú]õÒVÉ ÎC±ÉªÉË®úMÉ EòÉ®ú{ÉÉä®äú¶ÉxÉ Ê±É.(BxÉBºÉºÉÒºÉÒ±É), <ÆÊb÷ªÉxÉ ÎC±ÉªÉË®úMÉ EòÉ®ú{ÉÉä®äú¶ÉxÉ Ê±É. (+É<ǺÉÒºÉÒB±É) +Éè®ú B¨ÉºÉÒBCºÉ-BºÉBCºÉ ÎC±ÉªÉË®úMÉ EòÉ®ú{ÉÉä®äú¶ÉxÉ Ê±É.(B¨ÉºÉÒBCºÉ*BºÉBCºÉºÉÒºÉÒB±É)* ªÉä CªÉÚºÉÒºÉÒ{ÉÒ ºÉÒ{ÉÒBºÉBºÉ-+É<Ç+ÉäBºÉºÉÒ+Éä Eäò þÊ´ÉkÉÒªÉ ¤ÉÉiÉÉ®ú +´ÉºÉÆ®úSÉxÉÉ ÊºÉrùÉÆiÉÉå Eäò +xÉÖ°ü{É ºÉiÉiÉ +ÉvÉÉ®ú {É®ú ÊxɪɨÉÉå +Éè®ú Ê´ÉÊxɪɨÉÉå Eäò +vªÉvÉÒxÉ ½éþ* • ¤ÉéEò Êuù{ÉIÉÒªÉ xÉäË]õMÉ EòÉä ¨ÉÉxªÉiÉÉ xɽþÓ näùiÉÉ* bä÷Ê®ú´ÉäÊ]õ´É BCºÉ{ÉÉäVÉ®ú EòÒ MÉhÉxÉÉ SÉɱÉÚ BCºÉ{ÉÉäVÉ®ú {ÉrùÊiÉ (ºÉÒ<ÇB¨É) EòÉ |ɪÉÉäMÉ Eò®úEäò EòÒ VÉÉiÉÒ ½èþ* {ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É Ê´É´É®úhÉ ºÉÆ 1. ºÉÆÊ´ÉnùÉ+Éå EòÉ ºÉEò±É vÉxÉÉi¨ÉEò ¨ÉÚ±ªÉ 6,304 2. ±ÉɦÉÉå EòÒ ÊxÉ´É±É ®úÉ榃 - 3. ÊxÉ´É±É SÉɱÉÚ @ñhÉ ÊxÉ´Éä¶É 6,304 4. vÉÉÊ®úiÉ ºÉÆ{ÉÉÌ·ÉEò - 5. ÊxÉ´É±É Êb÷®úÉ<´ÉäÊ]õ´É: @ñhÉ BCºÉ{ÉÉäVÉ®ú 6,304

¨Énù xÉÉä¶ÉxÉ±É ®úÉ榃 SÉɱÉÚ @ñhÉ BCºÉ{ÉÉäVÉ®ú EÖò±É @ñhÉ BCºÉ{ÉÉäVÉ® (vÉxÉÉi¨ÉEò B¨É]õÒB¨É) (ºÉÒ

´ÉɪÉnùÉ ºÉÆÊ´ÉnùÉBÆ 15,09,024 6,304 36,479

74 GENERAL DISCLOSURE FOR EXPOSURES TABLE DF – 10 RELATED TO COUNTERPARTY CREDIT RISK

GENERAL DISCLOSURE FOR EXPOSURES RELATED TO COUNTERPARTY CREDIT RISK

 Counterparty Credit risk is the risk that the counterparty to a financial contract will default prior to the expiration of the contract and will not make all the payments required under the contract.

 Exposure to Central counterparties arising from over-the-counter derivative trades, exchange traded derivatives transactions and security financing transactions (SFTs), attracts capital charges applicable to Central Counterparty.

 Applicable risk weights for trades, guaranteed by central counterparties, which are recognised as qualifying central counterparty (QCCP) by Reserve Bank of India or SEBI, are comparatively lower than OTC deals.

 In India, presently there are four QCCPs viz. Clearing Corporation of India (CCIL), National Securities Clearing Corporation Ltd (NSCCL), Indian Clearing Corporation Ltd (ICCL) and MCX-SX Clearing Corporation Ltd (MCX-SXCCL). These QCCPs are subjected, on an ongoing basis, to rules and regulations that are consistent with CPSS-IOSCO Principles for Financial Market Infrastructures.

 The Bank does not recognise bilateral netting. The derivative exposure is calculated using Current Exposure Method (CEM).

Quantitative Disclosures (Amount in ` Millions) S. No. Particulars Amount

1. Gross positive value of contracts 6,304 2. Netting Benefits - 3. Netted current credit exposure 6,304 4. Collateral held - 5. Net Derivative: Credit Exposure 6,304

Item Notional Amount Current Credit Total Credit Exposure Exposure (Positive MTM) (as per CEM) Forward Contracts 15,09,024 6,304 36,479

75 ºÉÉ®úhÉÒ b÷ÒB¡ò - 11 {ÉÚÆVÉÒ EòÉ MÉ`öxÉ (` ʨÉʱɪÉxÉ ¨Éå) Ê´É´É®úhÉ ®úÉʶɪÉÉÆ ¤ÉäºÉ±É III - ºÉÆnù¦ÉÇ ºÉÆ. {ÉÚ´ÉÇ ={ÉSÉÉ®ú Eäò +vªÉvÉÒxÉ ºÉɨÉÉxªÉ <ÎC´É]õÒ Ê]õªÉ®ú 1 {ÉÚÆVÉÒ : ʱÉJÉiÉ B´ÉÆ +É®úÊIÉÊiɪÉÉÆ

1 |ÉiªÉIÉ °ü{É ºÉä VÉÉ®úÒ ºÉɨÉÉxªÉ ¶ÉäªÉ®ú {ÉÚÆVÉÒ + ºÉƤÉÆÊvÉiÉ º]õÉìEò +ÊvɶÉä¹É (¶ÉäªÉ®ú |ÉÒʨɪɨÉ) 49,410 B 1+ B 2 2 |ÉÊiÉvÉÉÊ®úiÉ ={ÉÉVÉÇxÉ (50,779) B3

3 ºÉÆÊSÉiÉ +xªÉ ºÉ¨ÉOÉ +ÉªÉ (B´ÉÆ +xªÉ +É®úÊIÉÊiɪÉÉÆ) 106,124 ¤ÉÒ1+ ¤ÉÒ2 + ¤ÉÒ3 + ¤ÉÒ4+ ¤ÉÒ5 + ¤ÉÒ6 + ¤ÉÒ7 4 |ÉiªÉIÉ °ü{É ºÉä VÉÉ®úÒú {ÉÚÆVÉÒ, ºÉÒ<Ç]õÒ1 ºÉä ¡äòVÉ +É>ð]õ Eäò +vªÉvÉÒxÉ (Eäò´É±É MÉè®ú-ºÉƪÉÖHò º]õÉìEò EÆò{ÉÊxɪÉÉå {É® |ɪÉÉäVªÉú) - 1 VÉxÉ´É®úÒ, 2018 iÉEò ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ ½äþiÉÖ |ÉÉ{iÉ ½þÉäxÉä ´ÉɱÉÒ {ÉÚÆVÉÒ - 5 +xÉÖ¹ÉÆÊMɪÉÉå uùÉ®úÉ VÉÉ®úÒ B´ÉÆ iÉÞiÉÒªÉ {ÉIÉÉå uùÉ®úÉ ®úJÉÒ MÉ<Ç ºÉɨÉÉxªÉ ¶ÉäªÉ®ú {ÉÚÆVÉÒ (®úÉ榃 ºÉ¨ÉÚ½þ ºÉÒ<Ç]õÒ1 ¨Éå +xÉÖ¨ÉiÉ) -- 6 Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ {ÉÚ´ÉÇ ºÉɨÉÉxªÉ <ÎC´É]õÒ Ê]õªÉ®ú 1 {ÉÚÆVÉÒ 104,829 ºÉɨÉÉxªÉ <ÎC´É]õÒ Ê]õªÉ®ú 1 {ÉÚÆVÉÒ : Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ

7 Ê´É´ÉäEò{ÉÚhÉÇ ¨ÉÚ±ªÉÉÆEòxÉ ºÉ¨ÉɪÉÉäVÉxÉ -- 8 MÉÖb÷Ê´É±É (ºÉƤÉÆÊvÉiÉ Eò®ú näùªÉiÉÉ EòÉ ÊxɴɱÉ) - 9 ¤ÉÆvÉEò-ºÉÌ´É˺ÉMÉ +ÊvÉEòÉ®ú EòÉä UôÉäc÷Eò®ú +xªÉ +¨ÉÚiÉÇ +ÉκiɪÉÉÆ (ºÉƤÉÆÊvÉiÉ Eò®ú näùªÉiÉÉ EòÉ ÊxɴɱÉ) 394 - ºÉÒ1 10 +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ 11,182 ºÉÒ2 EòÉ ¦ÉÉMÉ 11 xÉEònùÒ-|É´Éɽþ ½èþVÉ +É®úÊIÉÊiÉ - 12 |ÉiªÉÉʶÉiÉ ½þÉÊxÉ Eäò ºÉƤÉÆvÉ ¨Éå |ÉÉ´ÉvÉÉxÉÉå EòÒ Eò¨ÉÒ - 13 Ê´ÉGòªÉ {É®ú |ÉÊiɦÉÚÊiÉEò®úhÉ ±ÉÉ¦É - 14 =ÊSÉiÉ ¨ÉÚ±ªÉ ´ÉɱÉÒ näùªÉiÉÉ+Éå {É®ú ÊxÉÊVÉ @ñhÉ VÉÉäÊJÉ¨É ¨Éå {ÉÊ®ú´ÉiÉÇxÉ Eäò {ÉÊ®úhÉɨɺ´É°ü{É ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ - 15 {ÉÊ®ú¦ÉÉʹÉiÉ-±ÉÉ¦É {Éå¶ÉxÉ ÊxÉÊvÉ ÊxÉ´É±É +ÉκiɪÉÉÆ - 16 +{ÉxÉä ¶ÉäªÉ®úÉå ¨Éå ÊxÉ´Éä¶É (+MÉ®ú |ÉÊiÉ´ÉäÊnùiÉ iÉÖ±ÉxÉ{ÉjÉ ¨Éå |ÉnùkÉ {ÉÚÆVÉÒ {ɽþ±Éä ½þÒ ºÉ¨ÉÆÊVÉiÉ xɽþÓ EòÒ MÉ<Ç ½þÉä) - 17 ºÉɨÉÉxªÉ <ÎC´É]õÒ ¨Éå {ÉÉ®úº{ÉÊ®úEò GòÉìºÉ-½þÉäϱb÷MÉ 1,038 - ºÉÒ3 18 ¤ÉéËEòMÉ, Ê´ÉkÉÒªÉ +Éè®ú ¤ÉÒ¨ÉÉ ºÉƺlÉÉ+Éå,VÉÉä Ê´ÉʨɪÉɨÉEò ºÉ¨ÉäEòxÉ EòÒ MÉÖÆVÉÉ<Ç¶É ºÉä ¤Éɽþ®ú ½éþ ¨Éå ÊxÉ´Éä¶É,{ÉÉjÉ +±{É ÎºlÉÊiɪÉÉå EòÉ ÊxɴɱÉ, VɽþÉÆ ¤ÉéEò EòÉ Ê½þººÉÉ VÉÉ®úÒ ¶ÉäªÉ®ú {ÉÚÆVÉÒ Eäò 10% ºÉä +ÊvÉEò xÉ ½þÉä (xªÉÚxÉiÉ¨É 10% ºÉä +ÊvÉEò EòÒ ®úÉʶÉ) - 19 ¤ÉéËEòMÉ, Ê´ÉkÉÒªÉ +Éè®ú ¤ÉÒ¨ÉÉ ºÉƺlÉÉ+Éå,VÉÉä Ê´ÉʨɪÉɨÉEò ºÉ¨ÉäEòxÉ EòÒ MÉÖÆVÉÉ<Ç¶É ºÉä ¤Éɽþ®ú ½éþ ¨Éå |ɨÉÖJÉ ÊxÉ´Éä¶É,{ÉÉjÉ +±{É ÎºlÉÊiɪÉÉå EòÉ ÊxɴɱÉ, VɽþÉÆ ¤ÉéEò EòÉ Ê½þººÉÉ VÉÉ®úÒ ¶ÉäªÉ®ú {ÉÚÆVÉÒ Eäò 10% ºÉä +ÊvÉEò xÉ ½þÉä (xªÉÚxÉiÉ¨É 10% ºÉä +ÊvÉEò EòÒ ®úÉʶÉ) - 20 ¤ÉÆvÉEò ºÉÌ´É˺ÉMÉ +ÉÊvÉEòÉ®ú (xªÉÚxÉiÉ¨É 10% ºÉä +ÊvÉEò EòÒ ®úÉʶÉ) - 21 +ºlÉÉ<Ç +ÆiÉ®úÉå ºÉä =i{ÉzÉ +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ (xªÉÚxÉiÉ¨É 10% ºÉä +ÊvÉEò EòÒ ®úÉ榃 ºÉƤÉÆÊvÉiÉ Eò®ú näùªÉiÉÉ EòÉ ÊxɴɱÉ) 8,269

76 (` ʨÉʱɪÉxÉ ¨Éå) Ê´É´É®úhÉ ®úÉʶɪÉÉÆ ¤ÉäºÉ±É III - ºÉÆnù¦ÉÇ ºÉÆ. {ÉÚ´ÉÇ ={ÉSÉÉ®ú Eäò +vªÉvÉÒxÉ

22 xªÉÚxÉiÉ¨É 15% ºÉä +ÊvÉEò EòÒ ®úÉ榃 -

23 ÊVɺɨÉå ºÉä: ºÉɨÉÉxªÉ Ê´ÉkÉ º]õÉìEò ¨Éå |ɨÉÖJÉ ÊxÉ´Éä¶É -

24 ÊVɺɨÉå ºÉä: ¤ÉÆvÉEò ºÉÌ´É˺ÉMÉ +ÊvÉEòÉ®ú -

25 ÊVɺɨÉå ºÉä: +ºlÉɪÉÒ +ÆiÉ®úÉä ºÉä =i{ÉzÉ +ºlÉÉʪÉiÉ Eò®ú +ÉκiɪÉÉÆ -

26 ®úɹ]ÅõÒªÉ Ê´Éʶɹ]õ Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ (26B+26¤ÉÒ+26ºÉÒ+26b÷Ò) 1,050

26B ÊVɺɨÉå ºÉä: +ºÉ¨ÉäÊEòiÉ ¤ÉÒ¨ÉÉ +xÉÖ¹ÉÆÊMɪÉÉå EòÒ

26¤ÉÒ ÊVɺɨÉå ºÉä: +ºÉ¨ÉäÊEòiÉ MÉè®ú-Ê´ÉkÉÒªÉ +xÉÖ¹ÉÆÊMɪÉÉå EòÒ

26ºÉÒ ÊVɺɨÉå ºÉä: ¤É½Öþ±ÉÉÆ¶É º´ÉÉÊvÉEòEÞòiÉ BäºÉÒ Ê´ÉkÉÒªÉ ºÉƺlÉÉ+Éå ¨Éå ¶ÉäªÉ®ú {ÉÚÆVÉÒ EòÒ Eò¨ÉÒ VÉÉä ¤ÉéEò Eäò ºÉÉlÉ ºÉ¨ÉäÊEòiÉ xɽþÓ ½èþ*

26b÷Ò ÊVɺɨÉå ºÉä: +{ÉÊ®ú¶ÉÉäÊvÉiÉ {Éå¶ÉxÉ ÊxÉÊvÉ ´ªÉªÉ

ÊVɺɨÉå ºÉä: ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ +xÉÖ¹ÉÆÊMɪÉÉå EòÒ <ÊC´É]õÒ {ÉÚÆVÉÒ ÊxÉ´Éä¶É -

27 Eò]õÉèÊiɪÉÉå EòÉä Eò´É®ú Eò®úxÉä ½äþiÉÖ +{ɪÉÉÇ{iÉ +ÊiÉÊ®úHò Ê]õªÉ®ú 1 B´ÉÆ Ê]õªÉ®ú 2 Eäò EòÉ®úhÉ ºÉɨÉÉxªÉ

<ÇÎC´É]õÒ Ê]õõªÉ®ú 1 ¨Éå ÊEòB MÉB Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ -

28 ºÉɨÉÉxªÉ Ê]õõªÉ®ú 1 {É®ú ÊEòB MÉB EÖò±É Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ 21,934

29 ºÉɨÉÉxªÉ <ÇÎC´É]õÒ Ê]õõªÉ®ú 1 {ÉÚÆVÉÒ (ºÉÒ<Ç]õÒ 1) 82,895

+ÊiÉÊ®úHò Ê]õõªÉ®ú 1 {ÉÚÆVÉÒ : ʱÉJÉiÉå

30 |ÉiªÉIÉiÉ: VÉÉ®úÒ {ÉÉjÉ +ÊiÉÊ®úHò Ê]õõªÉ®ú 1 ʱÉJÉiÉ +Éè®ú ºÉƤÉÆÊvÉiÉ º]õÉìEò +ÊvɶÉä¹É (31+ 32) 15,000

31 ÊVɺɨÉå ºÉä : |ɪÉÉäVªÉ ±ÉäJÉÉ ¨ÉÉxÉEòÉå Eäò +ÆiÉMÉÇiÉ <ÇÎC´É]õÒ Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ

(¤ÉäʨɪÉÉnùÒ +ºÉÆSɪÉÒ +ÊvɨÉÉÊxÉiÉ ¶ÉäªÉ®ú) -

32 ÊVɺɨÉå ºÉä : |ɪÉÉäVªÉ ±ÉäJÉÉ ¨ÉÉxÉEòÉå Eäò +ÆiÉMÉÇiÉ näùªÉiÉÉ+Éå Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ

(´ÉMÉÔEÞòiÉ @ñhÉ Ê±ÉJÉiÉå) 15,000 <Ç5

33 |ÉiªÉIÉ °ü{É ºÉä VÉÉ®úÒ {ÉÚÆVÉÒ Ê±ÉJÉiÉå ¤É¶ÉiÉæ +ÊiÉÊ®úHò Ê]õõªÉ®ú 1 ºÉä ʱɪÉÉ MɪÉÉ ½þÉä 1,200 <Ç1

34 +xÉÖ¹ÉÆÊMɪÉÉå uùÉ®úÉ VÉÉ®úÒ B´ÉÆ iÉÞiÉÒªÉ {ÉIÉÉå (OÉÖ{É B]õÒ1 ¨Éå +xÉÖ¨ÉiÉ ®úÉʶÉ) uùÉ®úÉ ®úJÉÒ MÉ<Ç

+ÊiÉÊ®úHò Ê]õõªÉ®ú-1 EòÒ Ê±ÉJÉiÉå (+Éè®ú {ÉÆÊHò 5 ¨Éå ¶ÉÉÊ¨É±É xÉ EòÒ MÉ<Ç ºÉÒ<Ç]õÒ1

EòÒ Ê±ÉJÉiÉå) -

35 ÊVɺɨÉå ºÉä: +xÉÖ¹ÉÆÊMɪÉÉå uùÉ®úÉ VÉÉ®úÒ Ê±ÉJÉiÉå ¤É¶ÉiÉæ =xÉEòÉ ºÉ¨ÉªÉ ºÉ¨ÉÉ{iÉ ½þÉä MɪÉÉ ½þÉä -

36 Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉÉå ºÉä {ÉÚ´ÉÇ +ÊiÉÊ®úHò Ê]õõªÉ®úú-1 {ÉÚÆVÉÒ 16,200

+ÊiÉÊ®úHò Ê]õõªÉ®úú-1 {ÉÚÆVÉÒ: Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ

37 +{ÉxÉä +ÊiÉÊ®úHò Ê]õªÉ®úú 1 ʱÉJÉiÉÉå ¨Éå ÊxÉ´Éä¶É -

38 +ÊiÉÊ®úHò Ê]õªÉ®úú 1 ʱÉJÉiÉÉå ¨Éå +É{ɺÉÒ |ÉÊiÉvÉÉÊ®úiÉÉ --

39 ¤ÉéËEòMÉ, Ê´ÉkÉÒªÉ +Éè®ú ¤ÉÒ¨ÉÉ ºÉƺlÉÉ+Éå,VÉÉä Ê´ÉʨɪÉɨÉEò ºÉ¨ÉäEòxÉ EòÒ MÉÖÆVÉÉ<Ç¶É ºÉä ¤Éɽþ®ú ½éþ

77 (` ʨÉʱɪÉxÉ ¨Éå)

Ê´É´É®úhÉ ®úÉʶɪÉÉÆ ¤ÉäºÉ±É III - ºÉÆnù¦ÉÇ ºÉÆ. {ÉÚ´ÉÇ ={ÉSÉÉ®ú Eäò +vªÉvÉÒxÉ ¨Éå ÊxÉ´Éä¶É,{ÉÉjÉ +±{É ÎºlÉÊiɪÉÉå EòÉ ÊxɴɱÉ, VɽþÉÆ ¤ÉéEò EòÉ Ê½þººÉÉ VÉÉ®úÒ ¶ÉäªÉ®ú {ÉÚÆVÉÒ Eäò

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79 +ÉÆiÉÊ®úEò ®äúË]õMÉ +ÉvÉÉÊ®úiÉ oùι]õEòÉähÉ Eäò +ÆiÉMÉÇiÉ Ê]õªÉ®ú-2 ¨Éå ¶ÉÉÊ¨É±É Eò®úxÉä ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ EòÒ =SSÉiÉ¨É ºÉÒ¨ÉÉ* NA ¡äòVÉ +É=]õ ´ªÉ´ÉºlÉÉ Eäò +vªÉvÉÒxÉ {ÉÚÆVÉÒ Ê±ÉJÉiÉå (Eäò´É±É 31 ¨ÉÉSÉÇ, 2017 iÉlÉÉ 31 ¨ÉÉSÉÇ, 2021 Eäò ¤ÉÒSÉ |ɪÉÉäVªÉ) 80 ¡äòVÉ +É=]õ ´ªÉ´ÉºlÉÉ Eäò +vªÉvÉÒxÉ ºÉÒ<Ç]õÒ 1 ʱÉJÉiÉ {É®ú SÉɱÉÚ =SSÉiÉ¨É ºÉÒ¨ÉÉ NA 81 =SSÉiÉ¨É ºÉÒ¨ÉÉ Eäò EòÉ®úhÉ ºÉÒ<Ç]õÒ 1 ¨Éå ¶ÉÉÊ¨É±É xɽþÓ EòÒ MÉ<Ç ®úÉ榃 (¨ÉÉäSÉxÉ B´ÉÆ {ÉÊ®ú{ÉC´ÉiÉÉ Eäò ¤ÉÉnù =SSÉiÉ¨É ºÉÒ¨ÉÉ ºÉä +ÊvÉEò +ÊiÉÊ®úHò ®úÉʶÉ) NA 82 ¡äòVÉ +É=]õ ´ªÉ´ÉºlÉÉ Eäò +vªÉvÉÒxÉ B]õÒ1 ʱÉJÉiÉ {É®ú SÉɱÉÚ =SSÉiÉ¨É ºÉÒ¨ÉÉ NA 83 =SSÉiÉ¨É ºÉÒ¨ÉÉ Eäò EòÉ®úhÉ B]õÒ 1 ¨Éå ¶ÉÉÊ¨É±É xɽþÓ EòÒ MÉ<Ç ®úÉ榃 (¨ÉÉäSÉxÉ B´ÉÆ {ÉÊ®ú{ÉC´ÉiÉÉ Eäò ¤ÉÉnù =SSÉiÉ¨É ºÉÒ¨ÉÉ ºÉä +ÊvÉEò +ÊiÉÊ®úHò ®úÉʶÉ) NA 84 ¡äòVÉ +É=]õ ´ªÉ´ÉºlÉÉ Eäò +vªÉvÉÒxÉ ]õÒ 2 ʱÉJÉiÉ {É®ú SÉɱÉÚ =SSÉiÉ¨É ºÉÒ¨ÉÉ NA 85 =SSÉiÉ¨É ºÉÒ¨ÉÉ Eäò EòÉ®úhÉ ]õÒ 2 ¨Éå ¶ÉÉÊ¨É±É xɽþÓ EòÒ MÉ<Ç ®úÉ榃 (¨ÉÉäSÉxÉ B´ÉÆ {ÉÊ®ú{ÉC´ÉiÉÉ Eäò ¤ÉÉnù =SSÉiÉ¨É ºÉÒ¨ÉÉ ºÉä +ÊvÉEò +ÊiÉÊ®úHò ®úÉʶÉ) NA ]äõ¨{É{±Éä]õ ºÉƤÉÆvÉÒ xÉÉä]õ

]äõ¨{É{±Éä]õ EòÒ Ê´É´É®úhÉ (` ʨÉʱɪÉxÉ ¨Éå) {ÉÆÊHò ºÉÆ. 10 ºÉÆÊSÉiÉ ½þÉÊxÉ ºÉä ºÉ½þ¤Érù +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ 11,182 +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ (ºÉÆÊSÉiÉ ½þÉÊxÉ ºÉä ºÉ½þ¤Érù EòÉä UôÉäc÷Eò®ú) +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉ EòÉ ÊxÉ´É±É 17,490 {ÉÆÊHò 10 ¨Éå ªÉlÉÉ <ÆÊMÉiÉ EÖò±É 28,672 19 ¤ÉÒ¨ÉÉ +xÉÖ¹ÉÆÊMɪÉÉå ¨Éå ÊxÉ´Éä¶É EòÉä ªÉÊnù {ÉÚÆVÉÒ ¨Éå ºÉä {ÉÚ®úÒ iÉ®ú½þ PÉ]õɪÉÉ xɽþÓ MɪÉÉ +Éè®ú <ºÉEòÒ ¤ÉVÉÉB PÉ]õÉ´É ½äþiÉÖ 10 |ÉÊiɶÉiÉ EòÒ ºÉÒ¨ÉÉ Eäò +xiÉMÉÇiÉ ¨ÉÉxÉÉ MɪÉÉ ½þÉä, ¤ÉéEò EòÒ {ÉÚÆVÉÒ ¨Éå {ÉÊ®úhÉɨÉÒ ´ÉÞÊrù 1,050 ÊVɺɨÉå ºÉä : ºÉɨÉÉxªÉ <ÎC´É]õÒ Ê]õªÉ®ú-1 {ÉÚÆVÉÒ ¨Éå ´ÉÞÊrù 1,050 ÊVɺɨÉå ºÉä : +ÊiÉÊ®úHò Ê]õªÉ®ú-1 {ÉÚÆVÉÒ ¨Éå ´ÉÞÊrù - ÊVɺɨÉå ºÉä : Ê]õªÉ®ú-2 {ÉÚÆVÉÒ ¨Éå ´ÉÞÊrù - 26¤ÉÒ +ºÉ¨ÉäÊEòiÉ MÉè®ú-Ê´ÉkÉÒªÉ +xÉÖ¹ÉÆÊMɪÉÉå EòÒ <ÇÎC´É]õÒ {ÉÚÆVÉÒ ¨Éå ÊxÉ´Éä¶É EòÉä ªÉÊnù PÉ]õɪÉÉ xɽþÓ MɪÉÉ ½þÉä +Éè®ú <ºÉʱÉB, VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ, iɤÉ:- (i) EòÉì¨ÉxÉ <ÇÎC´É]õÒ ]õҪɮú-1 {ÉÚÆVÉÒ ¨Éå ´ÉÞÊrù (i) ºÉɨÉÉxªÉ Ê]õªÉ®ú 1 {ÉÚÆVÉÒ ¨Éå ´ÉÞÊrù - (ii) VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ +ÉκiɪÉÉå ¨Éå ´ÉÞÊrù - 44B +ÊiÉÊ®úHò ]õҪɮú-1 {ÉÚÆVÉÒ EòÉä {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ ½äþiÉÖ {ÉÊ®úMÉÊhÉiÉ xɽþÓ ÊEòªÉÉ MɪÉÉ ({ÉÆÊHò 44 ¨Éå ªÉlÉÉ ºÉÚÊSÉiÉ +ÊiÉÊ®úHò ]õҪɮ-1 {ÉÚÆVÉÒ iÉlÉÉ {ÉÆÊHò 44B ¨Éå ªÉlÉÉ ºÉÚÊSÉiÉ +xÉÖ¨ÉiÉ +ÊiÉÊ®úHò ]õҪɮ-1 {ÉÚÆVÉÒ Eäò ¤ÉÒSÉ EòÉ +ÆiÉ®ú) - ÊVɺɨÉå ºÉä : +ÊvÉEò +ÊiÉÊ®úHò Ê]õªÉ®-1 {ÉÚÆVÉÒ VÉÉä {ÉÆÊHò 58¤ÉÒ Eäò +xiÉMÉÇiÉ ]õҪɮú-2 {ÉÚÆVÉÒ ¨ÉÉxÉÒ MÉ<Ç - 50 Ê]õªÉ®ú-2 {ÉÚÆVÉÒ ¨Éå ¶ÉÉÊ¨É±É {ÉÉjÉ |ÉÉ´ÉvÉÉxÉ 6,979 Ê]õªÉ®ú-2 {ÉÚÆVÉÒ ¨Éå ¶ÉÉÊ¨É±É {ÉÉjÉ {ÉÖxɨÉÚDZªÉxÉ +É®úÊIÉiÉ ÊxÉÊvÉ - {ÉÆÊHò 50 EòÉ EÖò±É 6,979 58 B {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ ½äþiÉÖ +{ÉÊ®úEòʱÉiÉ +iªÉÊvÉEò Ê]õªÉ®ú-2 {ÉÚÆVÉÒ ({ÉÆÊHò 58 ¨Éå ªÉlÉÉ ºÉÚÊSÉiÉ Ê]õªÉ®ú-2 {ÉÚÆVÉÒ iÉlÉÉ {ÉÆÊHò 58B ¨Éå ªÉlÉÉ ºÉÚÊSÉiÉ Ê]õªÉ®ú-2 {ÉÚÆVÉÒ Eäò ¤ÉÒSÉ EòÉ +ÆiÉ®ú) 13,818

80 TABLE DF – 11 Composition of Capital ` in million

Particulars Amounts Amounts Ref No. Subject To Pre-Basel III Treatment Common Equity Tier 1 Capital: Instruments and Reserves 1 Directly issued qualifying common share capital plus related stock surplus (share premium) 49,410 A1 + A2 2 Retained earnings (50,779) A3 3 Accumulated other comprehensive income (and other reserves) 106,124 B1 + B2+ B3+ B4 + B5 + B6+ B7 4 Directly issued capital subject to phase out from CET1 (only applicable to non-joint stock companies) - Public sector capital injections grandfathered until 1 January 2018 - 5 Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET1) - - 6 Common Equity Tier 1 capital before regulatory adjustments 104,829 Common Equity Tier 1 capital: regulatory adjustments 7 Prudential valuation adjustments - 8 Goodwill (net of related tax liability) - 9 Intangibles other than mortgage-servicing rights (net of related tax liability) 394 - C1 10 Deferred tax assets 11,182 Part of C2

11 Cash-flow hedge reserve - 12 Shortfall of provisions to expected losses - 13 Securitization gain on sale - 14 Gains and losses due to changes in own credit risk on fair valued liabilities - 15 Defined-benefit pension fund net assets - 16 Investments in own shares (if not already netted off paid-in capital on reported balance sheet) - 17 Reciprocal cross-holdings in common equity 1,038 - C3 18 Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued share capital (amount above 10% threshold) - 19 Significant investments in the common stock of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold) - 20 Mortgage servicing rights (amount above 10% threshold) - 21 Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability) 8,269

81 Particulars Amounts Amounts Ref. No. Subject To Pre-Basel III Treatment 22 Amount exceeding the 15% threshold - 23 of which: significant investments in the common stock of financials - 24 of which: mortgage servicing rights - 25 of which: deferred tax assets arising from temporary differences - 26 National specific regulatory adjustments (26a+26b+26c+26d) 1,050 26a Of which: Investments in the equity 1,050 Part of C5 capital of unconsolidated insurance subsidiaries 26b Of which: Investment in the equity capital of unconsolidated non-financial subsidiaries 26c Of which: Shortfall in the equity capital of majority owned financial entities which have not been consolidated with the Bank 26d Of which: Unamortized pension funds expenditures REGULATORY ADJUSTMENTS APPLIED TO COMMON EQUITY TIER 1 IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT OF WHICH: Investment in the equity capital of consolidated financial subsidiaries - - 27 Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover deductions - 28 Total regulatory adjustments to Common equity Tier 1 21,934 29 Common Equity Tier 1 capital (CET1) 82,895 Additional Tier 1 capital: instruments 30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus (31+32) 15,000 31 of which: classified as equity under applicable accounting standards (Perpetual Non-Cumulative Preference Shares) - 32 of which: classified as liabilities under applicable accounting standards (Perpetual debt Instruments) 15,000 E5 33 Directly issued capital instruments subject to phase out from Additional Tier 1 1,200 E1 34 Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1) - 35 of which: instruments issued by subsidiaries subject to phase out - 36 Additional Tier 1 capital before regulatory adjustments 16,200 Additional Tier 1 capital: regulatory adjustments 37 Investments in own Additional Tier 1 instruments - 38 Reciprocal cross-holdings in Additional Tier 1 instruments - -

82 Particulars Amounts Amounts Ref. No. Subject To Pre-Basel III Treatment 39 Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions , where the Bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold) - 40 Significant investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions) - 41 National specific regulatory adjustments (41a + 41b) - 41a Investments in Additional Tier I Capital of unconsolidated insurance subsidiaries - 41b Shortfall in the Additional Tier 1 capital of majority owned financial entities which have not been consolidated with the Bank - REGULATORY ADJUSTMENTS APPLIED TO ADDITIONAL TIER 1 IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT - 42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions - 43 Total regulatory adjustments to Additional Tier 1 capital - 44 Additional Tier 1 capital (AT1) 16,200 45 Tier 1 capital (T1 = CET1 + AT1) (row 29 + row 44) 99,095 Tier 2 capital: instruments and provisions 46 Directly issued qualifying Tier 2 instruments plus related stock surplus 25,000 E4 47 Directly issued capital instruments subject to phase out from Tier 2 10,900 E2+ E3 48 Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2) - 49 of which: instruments issued by subsidiaries subject to phase out - 50 Provisions 6,979 D1+ Part of D2+D3 51 Tier 2 capital before regulatory adjustments 42,879 Tier 2 capital: regulatory adjustments 52 Investments in own Tier 2 instruments - 53 Reciprocal cross-holdings in Tier 2 instruments 50 C4 54 Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold) - 55 Significant investments in the capital Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions) -

83 Particulars Amounts Amounts Ref No. Subject To Pre-Basel III Treatment 56 National specific regulatory adjustments (56a+56b) - 56a Of which: Investments in the Tier II capital of unconsolidated subsidiaries - 56b Of which: Shortfall in the Tier 2 capital of majority owned financial entities which have not been consolidated with the Bank - REGULATORY ADJUSTMENTS APPLIED TO TIER 2 IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT - 57 Total regulatory adjustments to Tier 2 capital 50 58 Tier 2 capital (T2) 42,829 58A Tier 2 capital admissible for regulatory capital purposes 29,011 59 Total capital (TC = T1 + T2) {(row 45+row 58 (A)} 1,28,106 RISK WEIGHTED ASSETS IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT 60 Total risk weighted assets (row 60a +row 60b +row 60c) 1,450,536 60a of which: total credit risk weighted assets 1,159,533 60b of which: total market risk weighted assets 142,153 60c of which: total operational risk weighted assets 148,850 Capital ratios 61 Common Equity Tier 1 (as a percentage of risk weighted assets) 5.71% 62 Tier 1 (as a percentage of risk weighted assets) 6.83% 63 Total capital (as a percentage of risk weighted assets) 8.83% 64 Institution specific buffer requirement (minimum CET1 requirement plus capital conservation and countercyclical buffer requirements, expressed as a percentage of risk weighted assets) 7.375% 65 of which: capital conservation buffer requirement 1.875% 66 of which: Bank specific countercyclical buffer requirement - 67 of which: G-SIB buffer requirement - 68 Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets) 0.21% National minima (if different from Basel III) 69 National Common Equity Tier 1 minimum ratio (if different from Basel III minimum) 5.50% 70 National Tier 1 minimum ratio (if different from Basel III minimum) 7.00% 71 National total capital minimum ratio (if different from Basel III minimum) 9.00% Amounts below the thresholds for deduction (before risk weighting) 72 Non-significant investments in the capital of other financials 1,842 73 Significant investments in the common stock of financials - 74 Mortgage servicing rights (net of related tax liability) - 75 Deferred tax assets arising from temporary differences (net of related tax liability) 17,490 Applicable caps on the inclusion of provisions in Tier 2 76 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardized approach (prior to application of cap) 6,979

84 Particulars Amounts Amounts Ref No. Subject To Pre-Basel III Treatment 77 Cap on inclusion of provisions in Tier 2 under standardized approach 14,494 78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap) NA 79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach NA Capital instruments subject to phase-out arrangements (only applicable between March 31, 2017 and March 31, 2021) 80 Current cap on CET1 instruments subject to phase out arrangements NA 81 Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities) NA 82 Current cap on AT1 instruments subject to phase out arrangements NA 83 Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities) NA 84 Current cap on T2 instruments subject to phase out arrangements NA 85 Amount excluded from T2 due to cap (excess over cap after redemptions and maturities) NA

Notes to the Template

Row No. Particular ` in million of the Template

10 Deferred tax assets associated with accumulated losses 11,182 Deferred tax assets (excluding those associated with accumulated losses) net of Deferred tax liability 17,490 Total as indicated in row 10 28,672 19 If investments in insurance subsidiaries are not deducted fully from capital and instead considered under 10% threshold for deduction, the resultant increase in the capital of bank 1,050 of which: Increase in Common Equity Tier 1 capital 1,050 of which: Increase in Additional Tier 1 capital - of which: Increase in Tier 2 capital - 26b If investments in the equity capital of unconsolidated non-financial subsidiaries are not deducted and hence, risk weighted then: - (i) Increase in Common Equity Tier 1 capital - (ii) Increase in risk weighted assets - 44a Excess Additional Tier 1 capital not reckoned for capital adequacy (difference between Additional Tier 1 capital as reported in row 44 and admissible Additional Tier 1 capital as reported in 44a) - of which: Excess Additional Tier 1 capital which is considered as Tier 2 capital under row 58b - 50 Eligible Provisions included in Tier 2 capital 6,979 Eligible Revaluation Reserves included in Tier 2 capital - Total of row 50 6,979 58a Excess Tier 2 capital not reckoned for capital adequacy (difference between Tier 2 capital as reported in row 58 and T2 as reported in 58a) 13,818

85 ºÉÉ®úhÉÒ b÷ÒB¡ò - 12 {ÉÚÆVÉÒ EòÉ MÉ`öxÉ - ºÉ¨ÉÉvÉÉxÉ ºÉƤÉÆvÉÒ +ɴɶªÉEòiÉÉBÆ

SÉ®úhÉ - 1 (` ʨÉʱɪÉxÉ ¨Éå) Gò. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò ºÉÆÊ´ÉÊvÉEò +{ÉäIÉÉ Eäò ºÉÆ. +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ

B. {ÉÚÆVÉÒ B´ÉÆ näùªÉiÉÉBÆ i. |ÉnùkÉ {ÉÚÆVÉÒ 8,440 8,440 +É®úÊIÉÊiɪÉÉÆ B´ÉÆ +ÊvɶÉä¹É 98,122 97,033 ÊVɺɨÉå ºÉä : ºÉÉÆÊ´ÉÊvÉEò +É®úÊIÉÊiɪÉÉÆ 32,265 32,265 {ÉÚÆVÉÒ +É®úÊIÉÊiɪÉÉÆ 5,103 4,625 ®úÉVɺ´É B´ÉÆ +xªÉ +É®úÊIÉÊiɪÉÉÆ 27,622 27,622 ÊxÉ´Éä¶É +É®úÊIÉiÉ ÊxÉÊvÉ JÉÉiÉÉ 1,386 1,386 ¶ÉäªÉ®ú |ÉÒÊ¨ÉªÉ¨É 4,0969 4,0969 ʴɶÉä¹É +É®úÊIÉÊiɪÉÉÆ 14,500 14,500 {ÉÖxɨÉÚDZªÉxÉ +É®úÊIÉÊiɪÉÉÆ 25,569 25,569 ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå ¶Éä¹É (50,168) (50,779) ÊVɺɨÉå ºÉä : Ê{ÉUô±Éä Ê´ÉkÉÒªÉ ´É¹ÉÇ Eäò +xÉÖºÉÉ®ú ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå ¶Éä¹É (4,391 (4,157) Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ±ÉäxÉnäùxÉ Ê®úVÉ´ÉÇ 857 857 +É<Ç +É®ú BºÉ Ê®úVÉ´ÉÇ 19 19 +±{ÉÉÆ¶É ¤ªÉÉVÉ - - ¶ÉäªÉ®ú +É´ÉänùxÉ ®úÉ榃 ±ÉÆʤÉiÉ +ɤÉÆ]õxÉ 15,000 15,000 EÖò±É {ÉÚÆVÉÒ 121,563 120,473 ii. VɨÉÉ 2,135,954 2,136,038 ÊVɺɨÉå ºÉä : ¤ÉéEòÉå ºÉä VɨÉÉ 19,705 19,705 ÊVɺɨÉå ºÉä : OÉɽþEòÉå ºÉä VɨÉÉ 2,116,249 2,116,334 iii. =vÉÉ®ú 214,124 214,124 ÊVɺɨÉå ºÉä : ¦ÉÉ.Ê®ú.¤ÉéEò ºÉä 79,544 79,544 ÊVɺɨÉå ºÉä : ¤ÉéEòÉå ºÉä 119 119 ÊVɺɨÉå ºÉä : +xªÉ ºÉƺlÉÉ+Éå B´ÉÆ BVÉåʺɪÉÉå ºÉä 5,017 5,017 ÊVɺɨÉå ºÉä : +xªÉ (¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú) 85,342 85,342 ÊVɺɨÉå ºÉä : {ÉÚÆVÉÒ Ê±ÉJÉiÉ 54,500 54,500 ÊVɺɨÉå ºÉä : MÉÉèhÉ xÉ´ÉÉäx¨Éä¹ÉÒ ºlÉɪÉÒ @ñhÉ Ê±ÉJÉiÉ 3,000 3,000 15,000 15,000 ÊVɺɨÉå ºÉä : MÉÉèhÉ @ñhÉ – +{É®ú Ê]õªÉ® 2 {ÉÚÆVÉÒú 10,000 10,000 ÊVɺɨÉå ºÉä : MÉÉèhÉ @ñhÉ – Ê]õªÉ® 2 {ÉÚÆVÉÒú 8,500 8,500 ÊVɺɨÉå ºÉä : MÉÉèhÉ @ñhÉ – Ê]õªÉ® 2 õ¤ÉèºÉ±É *** {ÉÚÆVÉÒú 25,000 25,000 ÊVɺɨÉå ºÉä : MÉÉèhÉ xÉ´ÉÉäx¨Éä¹ÉÒ ºlÉɪÉÒ @ñhÉ Ê±ÉJÉiÉ ¤ÉɺÉä±É *** +xÉÖ{ÉÉʱÉiÉ B]õÒ1 {ÉÚÆVÉÒ. - - iv. +xªÉ näùªÉiÉÉBÆ B´ÉÆ |ÉÉ´ÉvÉÉxÉ 66,057 59,422 EÖò±É 2,537,697 2,530,058

86 SÉ®úhÉ - 1 (` ʨÉʱɪÉxÉ ¨Éå) Gò. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò ºÉÆÊ´ÉÊvÉEò +{ÉäIÉÉ Eäò ºÉÆ. +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ (BEò±É) (BEò±É) ¤ÉÒ. +ÉκiɪÉÉÆ i. ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò Eäò {ÉÉºÉ xÉEònù B´ÉÆ ¶Éä¹É 92,911 92,910 ¤ÉéEòÉå Eäò {ÉÉºÉ ¶Éä¹É B´ÉÆ ¨ÉÉÆMÉ +Éè®ú +±{É ºÉÚSÉxÉÉ {É®úú |ÉÉ{ªÉ vÉxÉ 121,680 121,374 ii. ÊxÉ´Éä¶É : 685,023 679,941 ÊVɺɨÉå ºÉä : ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ 630,441 628,263 ÊVɺɨÉå ºÉä : +xªÉ +xÉÖ¨ÉÉäÊnùiÉ +ÉκiɪÉÉÆ 31 - ÊVɺɨÉå ºÉä : ¶ÉäªÉ®ú 8,235 8,160 ÊVɺɨÉå ºÉä : Êb÷¤ÉåSÉ®ú B´ÉÆ ¤ÉÉÆb÷ 40,170 37,995 ÊVɺɨÉå ºÉä : +xÉÖ¹ÉÆÊMɪÉÉÆ/ºÉƪÉÖHò =t¨É/BºÉÉäʺÉB]õ 2,913 3,963 ÊVɺɨÉå ºÉä : +xªÉ (´ÉÉÊhÉÎVªÉEò {ÉjÉ, ¨ªÉÚSÉÖ+±É ¡Æòb÷ +ÉÊnù) 3,233 1,560 iii. @ñhÉ B´ÉÆ +ÊOÉ¨É 1,520,607 1,520,607 ÊVɺɨÉå ºÉä : ¤ÉéEòÉå EòÉä @ñhÉ B´ÉÆ +ÊOÉ¨É 73,697 73,697 ÊVɺɨÉå ºÉä : OÉɽþEòÉå EòÉä @ñhÉ B´ÉÆ +ÊOÉ¨É 1,44,6910 1,44,6910 iv. +SɱÉú +ÉκiɪÉÉÆ 31,476 31,349 v. +xªÉ +ÉκiɪÉÉÆ 85,999 83,877 ÊVɺɨÉå ºÉä : ºÉÉJÉ B´ÉÆ +¨ÉÚiÉÇ +ÉκiɪÉÉÆ 394 394 ÊVɺɨÉå ºÉä : +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ 28,675 28,672 vi. ºÉ¨ÉäEòxÉ {É®ú ºÉÉJÉ - - vii. ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå xÉɨÉä ¶Éä¹É - - EÖò±É +ÉκiɪÉÉÆ 2,537,697 2,530,058

SÉ®úhÉ - 2 Gò. Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò ºÉÆÊ´ÉÊvÉEò +{ÉäIÉÉ Eäò ºÉÆnù¦ÉÇ Ê´É´É®úhÉ ºÉÆ. +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ ºÉÆ. B.{ÉÚÆVÉÒ B´ÉÆ näùªÉiÉÉBÆ i. |ÉnùkÉ {ÉÚÆVÉÒ 8,440 8,440 ÊVɺɨÉå ºÉä : ºÉÒ<Ç]õÒ1 ½äþiÉÖ {ÉÉjÉ ®úÉ榃 - 8,440 Bò1 ÊVɺɨÉå ºÉä : B]õÒ1 ½äþiÉÖ {ÉÉjÉ ®úÉ榃 - - +É®úÊIÉÊiɪÉÉÆ B´ÉÆ +ÊvɶÉä¹É 98,122 97,033 ÊVɺɨÉå ºÉä : ºÉÉÆÊ´ÉÊvÉEò +É®úÊIÉÊiɪÉÉÆ 32,265 32,265 ¤ÉÒ1 {ÉÚÆVÉÒ +É®úÊIÉÊiɪÉÉÆ 5,102 4,624 ¤ÉÒ2 ®úÉVɺ´É B´ÉÆ +xªÉ +É®úÊIÉÊiɪÉÉÆ 27,622 27,622 ¤ÉÒ3 ÊxÉ´Éä¶É +É®úÊIÉiÉ ÊxÉÊvÉ JÉÉiÉÉ 1,386 1,386 bÒ÷1 ¶ÉäªÉ®ú |ÉÒÊ¨ÉªÉ¨É 40,969 40,969 Bò2 ʴɶÉä¹É +É®úÊIÉÊiɪÉÉÆ 14,500 14,500 ¤ÉÒ4 {ÉÖxɨÉÚDZªÉxÉ +É®úÊIÉÊiɪÉÉÆ 25,569 25,569 ÊVɺɨÉå ºÉä : ºÉÒ<Ç]õÒ 1 ½äþiÉÖ {ÉÉjÉ ®úÉ榃 - 11,506 ¤ÉÒ5

87 Gò. Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò ºÉÆnù¦ÉÇ Ê´É´É®úhÉ ºÉÆ. +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ ºÉÆ.

ÊVɺɨÉå ºÉä : Ê]õªÉ®ú 2 ½äþiÉÖ {ÉÉjÉ ®úÉ榃 - - ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå ¶Éä¹É (50,168) (50,779) B3 ÊVɺɨÉå ºÉä : Ê{ÉUô±Éä Ê´ÉkÉÒªÉ ´É¹ÉÇ Eäò +xÉÖºÉÉ®ú ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå ¶Éä¹É +±{ÉÉÆ¶É ¤ªÉÉVÉ (4,391) (4,157) Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ±ÉäxÉnäùxÉ Ê®úVÉ´ÉÇ 857 857 ÊVɺɨÉå ºÉä : {ÉÚÆVÉÒMÉiÉ ÊxÉÊvÉ Eäò +xiÉMÉÇiÉ ¨ÉÉxÉÒ MÉ<Ç - 606 ¤ÉÒ6 +É<Ç +É®ú BºÉ Ê®úVÉ´ÉÇ 19 19 ¶ÉäªÉ®ú +É´ÉänùxÉ ®úÉ榃 ±Éʨ¤ÉiÉ +ɤÉÆ]õxÉõ 15,000 15,000 ¤ÉÒ7 +±{ÉÉÆ¶É ¤ªÉÉVÉ - - - EÖò±É {ÉÚÆVÉÒ 121,563 120,473 - ii. VɨÉÉ 2,135,954 2,136,038 - ÊVɺɨÉå ºÉä : ¤ÉéEòÉå ºÉä VɨÉÉ 19,705 19,705 - ÊVɺɨÉå ºÉä : OÉɽþEòÉå ºÉä VɨÉÉ 2,116,249 2,116,334 - iii. =vÉÉ®ú 214,124 214,124 - ÊVɺɨÉå ºÉä : ¦ÉÉ.Ê®ú.¤ÉéEò ºÉä 79,544 79,544 - ÊVɺɨÉå ºÉä : ¤ÉéEòÉå ºÉä 119 119 - ÊVɺɨÉå ºÉä : +xªÉ ºÉƺlÉÉ+Éå B´ÉÆ BVÉåʺɪÉÉå ºÉä 5,017 5,017 ÊVɺɨÉå ºÉä : +xªÉ (¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú) 67,945 67,945 ÊVɺɨÉå ºÉä : {ÉÚÆVÉÒ Ê±ÉJÉiÉ 61,500 61,500 ÊVɺɨÉå ºÉä : MÉÉèhÉ xÉ´ÉÉäx¨Éä¹ÉÒ ºlÉɪÉÒ @ñhÉ Ê±ÉJÉiÉ ÊVɺɨÉå ºÉä : B ]õÒ +É<Ç {ÉÆÚVÉÒ ½äþiÉÖ {ÉÉjÉ 3,000 3,000 - 1200 <Ç1 ÊVɺɨÉå ºÉä : MÉÉèhÉ @ñhÉ – +{É®ú Ê]õªÉ® 2 {ÉÚÆVÉÒú 10,000 10,000 <Ç2 ÊVɺɨÉå ºÉä : MÉÉèhÉ @ñhÉ – Ê]õªÉ® 2 {ÉÚÆVÉÒú 8,500 8,500 ÊVɺɨÉå ºÉä : {ÉÉjÉ MÉÉèhÉ @ñhÉ – Ê]õªÉ® 2 ¤ÉèºÉ±É III {ÉÚÆVÉÒú - 900 <Ç3 ÊVɺɨÉå ºÉä : MÉÉèhÉ @ñhÉ – Ê]õªÉ® 2 ¤ÉèºÉ±É III {ÉÚÆVÉÒú 25,000 25,000 <Ç4 ÊVɺɨÉå ºÉä : MÉÉèhÉ xÉ´ÉÉäx¨Éä¹ÉÒ ºlÉɪÉÒ @ñhÉ Ê±ÉJÉiÉ-¤ÉɺÉä±É *** +xÉÖ{ÉÉʱÉiÉ B]õÒ1 {ÉÚÆVÉÒ ú 15,000 15,000 <Ç5 iv. +xªÉ näùªÉiÉÉBÆ B´ÉÆ |ÉÉ´ÉvÉÉxÉ 66,057 59,422 ÊVɺɨÉå ºÉä : ¨ÉÉxÉEò +ÊOÉ¨É ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ 7512 7512 b÷Ò2 ÊVɺɨÉå ºÉä : +xɽäþVb÷ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ 46 46 b÷Ò3 ÊVɺɨÉå ºÉä : ºÉÉJÉ ºÉƤÉÆvÉÒ b÷Ò]õÒB±É - -- ÊVɺɨÉå ºÉä : +¨ÉÚiÉÇ +ÉκiɪÉÉå ºÉƤÉÆvÉÒ b÷Ò]õÒB±É - -- ÊVɺɨÉå ºÉä : ʴɶÉä¹É +É®úIÉÊiɪÉÉÆ ºÉƤÉÆvÉÒ b÷Ò]õÒB±É 4949 4949 EÖò±É 2,537,697 2,530,058 B. +ÉκiɪÉÉÆ i. ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò Eäò {ÉÉºÉ xÉEònù B´ÉÆ ¶Éä¹É 92,911 92,910 - ¤ÉéEòÉå Eäò {ÉÉºÉ ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú vÉxÉ 121,680 121,374 - ii. ÊxÉ´Éä¶É 685,023 679,941 - ÊVɺɨÉå ºÉä : ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ 630,441 628,263 ÊVɺɨÉå ºÉä : +xªÉ +xÉÖ¨ÉÉäÊnùiÉ +ÉκiɪÉÉÆ 31 - -

88 Gò. Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉÒ Eäò ºÉÆnù¦ÉÇ Ê´É´É®úhÉ ºÉÆ. +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ +xÉÖ°ü{É iÉÖ±ÉxÉ{ÉjÉ ºÉÆ.

ÊVɺɨÉå ºÉä : ¶ÉäªÉ®ú 8,235 8,160 ÊVɺɨÉå ºÉä : ®äúºÉÒ|ÉÉäEò±É GòÉìºÉ ½þÉäαb÷MÉ 1038 1038 ºÉÒ3 ÊVɺɨÉå ºÉä : Êb÷¤ÉåSÉ®ú B´ÉÆ ¤ÉÉÆb÷ 40,170 37,995 ÊVɺɨÉå ºÉä : B]õÒ-1 Eäò +ÆÆiÉMÉÇiÉ ®äúºÉÒ|ÉÉäEò±É GòÉìºÉ ½þÉäαb÷MÉ -- ÊVɺɨÉå ºÉä : Ê]õªÉ®ú** Eäò +ÆÆiÉMÉÇiÉ ®äúºÉÒ|ÉÉäEò±É GòÉìºÉ ½þÉäαb÷MÉ 50 50 ºÉÒ4 ÊVɺɨÉå ºÉä : +xÉÖ¹ÉÆÊMɪÉÉÆ/ºÉƪÉÖHò =t¨É/BºÉÉäʺÉB]õ 2,913 3,963 ºÉÒ5 ÊVɺɨÉå ºÉä : +xªÉ (´ÉÉÊhÉÎVªÉEò {ÉjÉ, ¨ªÉÚSÉÖ+±É ¡Æòb÷ +ÉÊnù) 3,233 1,560 - iii. @ñhÉ B´ÉÆ +ÊOÉ¨É 1,520,607 1,520,607 - ÊVɺɨÉå ºÉä : ¤ÉéEòÉå EòÉä @ñhÉ B´ÉÆ +ÊOÉ¨É 73697 73697 - ÊVɺɨÉå ºÉä : OÉɽþEòÉå EòÉä @ñhÉ B´ÉÆ +ÊOÉ¨É 1,446,910 1,446,910 - iv. +SɱÉú +ÉκiɪÉÉÆ 31,476 31,349 - v. +xªÉ +ÉκiɪÉÉÆ 85,999 83,877 - ÊVɺɨÉå ºÉä : ºÉÉJÉ --- +¨ÉÚiÉÇ +ÉκiɪÉÉÆ --ºÉÒ1 ÊVɺɨÉå ºÉä : +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ 394 394 vi. ºÉ¨ÉäEòxÉ {É®ú ºÉÉJÉ 28,675 28,672 ºÉÒ2 vii. ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå xÉɨÉä ¶Éä¹É ---

EÖò±É +ÉκiɪÉÉÆ 2,537,697 2,530,058

SÉ®úhÉ - 3 ¤ÉɺÉä±É III ºÉɨÉÉxªÉ |ÉEò]õÒEò®úhÉ ]äõ¨{ɱÉä]õ EòÉ ºÉÉ®ú (+ÊiÉÊ®úHò EòÉì±É¨É Eäò ºÉÉlÉ) - ºÉÉ®úhÉÒ b÷ÒB¡ò - 11 ºÉÉZÉÉ <ÎC´É]õÒ Ê]õªÉ®ú 1 {ÉÚÆVÉÒ : ʱÉJÉiÉ B´ÉÆ +É®úÊIÉÊiɪÉÉÆ

¤ÉéEò uùÉ®úÉ Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç ¤ÉéEò uùÉ®úÉ Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç Ê´ÉÊxɪÉɨÉEò Ê´ÉÊxɪÉɨÉEò {ÉÚÆVÉÒ Eäò PÉ]õEò {ÉÚÆVÉÒ Eäò PÉ]õEò SÉ®úhÉ 2 ºÉ¨ÉäEòxÉ ¡òÉì¨ÉÇ Eäò Ê´ÉÊxɪÉɨÉEò MÉÖÆVÉÉ<ǶÉú Eäò +ÆiÉMÉÇiÉ iÉÖ±ÉxÉ{ÉjÉ EòÒ ºÉÆnù¦ÉÇ ºÉÆJªÉÉ+Éå/{ÉjÉÉå {É®ú +ÉvÉÉÊ®úiÉ »ÉÉäiÉ 1 |ÉiªÉIÉ °ü{É ºÉä VÉÉ®úÒ {ÉÉjÉ ºÉɨÉÉxªÉ ¶ÉäªÉ®ú (B´ÉÆ MÉè®ú-ºÉƪÉÖHò º]õÉìEò EÆò{ÉÊxɪÉÉå ½äþiÉ ºÉ¨ÉiÉÖ±ªÉ) {ÉÚÆVÉÒ + ºÉƤÉÆÊvÉiÉ º]õÉìEò +ÊvɶÉä¹É 49,410 B1+B2 2 |ÉÊiÉvÉÉÊ®úiÉ ={ÉÉVÉÇxÉ (50,779) Bò3 3 ºÉÆÊSÉiÉ +xªÉ ºÉ¨ÉOÉ +ÉªÉ (B´ÉÆ +xªÉ +É®úÊIÉÊiɪÉÉÆ) 106,124 Ê´É1+Ê´É2+Ê´É3+Ê´É4+Ê´É5 +Ê´É6+Ê´É7 4 |ÉiªÉIÉ °ü{É ºÉä VÉÉ®úÒ {ÉÚÆVÉÒ ºÉÒ<Ç]õÒ 1 ºÉä ¡äòVÉ +É>ð]õ Eäò +vªÉvÉÒxÉ (Eäò´É±É MÉè®ú-ºÉƪÉÖHò º]õÉìEò EÆò{ÉÊxɪÉÉå {É®ú |ɪÉÉäVªÉ) - 5 +xÉÖ¹ÉÆÊMɪÉÉå uùÉ®úÉ VÉÉ®úÒ B´ÉÆ iÉÞiÉÒªÉ {ÉIÉÉå uùÉ®úÉ ®úJÉÒ MÉ<Ç ºÉɨÉÉxªÉ ¶ÉäªÉ®ú {ÉÚÆVÉÒ (®úÉ榃 ºÉ¨ÉÚ½þ ºÉÒ<Ç]õÒ1 ¨Éå +xÉÖ¨ÉiÉ) - 6 Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉɪÉÉäVÉxÉ {ÉÚ´ÉÇ ºÉɨÉÉxªÉ <ÎC´É]õÒ Ê]õªÉ®ú 1 {ÉÚÆVÉÒ 104,829 7 Ê´É´ÉäEò{ÉÚhÉÇ ¨ÉÚ±ªÉÉÆEòxÉ ºÉ¨ÉɪÉÉäVÉxÉ - 8 ºÉÉJÉ (ºÉƤÉÆÊvÉiÉ Eò®ú näùªÉiÉÉ EòÉ ÊxɴɱÉ) -

89 TABLE DF – 12 Composition of Capital-Reconciliation Requirements

Step - 1 (` in millions) S. No. Particulars Balance sheet as in Balance sheet as per financial statements regulatory scope of consolidation A. Capital & Liabilities i. Paid-up Capital 8,440 8,440 Reserves & Surplus 98,122 97,033 of which: Statutory Reserve 32,265 32,265 Capital Reserve 5,103 4,625 Revenue & Other Reserves 27,622 27,622 Investment Reserve Account 1,386 1,386 Share Premium 40,969 40,969 Special Reserve 14,500 14,500 Revaluation Reserve 25,569 25,569 Balance in Profit & Loss Account (50,168) (50,779) of which: Balance in Profit & Loss Account as per last financial Year (4,391) (4,157) Foreign Currency Translation Reserves 857 857 I R S Reserve 19 19 Minority Interest - - Share application money pending allotment 15,000 15,000 Total Capital 121,563 120,473 ii. Deposits 2,135,954 2,136,038 of which: Deposits from Banks 19,705 19,705 of which: Customer deposits 2,116,249 2,116,334 iii. Borrowings 214,124 214,124

of which: From RBI 79,544 79,544 of which: From Banks 119 119 of which: From other institutions & agencies 5,017 5,017 of which: Others (Outside India) 67,945 67,945 of which: Capital instruments 61,500 61,500 of which: Subordinated Innovative Perpetual Debt Instruments 3,000 3,000 of which: Subordinated Innovative Perpetual Debt Instruments Basel III Compliant. 15,000 15,000 of which: Subordinated Debt - Upper Tier II Capital 10,000 10,000 of which : Subordinated Debt - Tier II Capital 8,500 8,500 of which : Subordinated Debt - Tier II Bael III Capital 25,000 25,000 iv. Other liabilities & provisions 66,057 59,422 Total 2,537,697 2,530,058

90 Step - 1

S. No. Particulars Balance sheet as in Balance sheet as per financial statements regulatory scope of consolidation B. Assets i. Cash and balances with Reserve Bank of India 92,911 92,910 Balance with Banks and money at call and short notice 121,680 121,374 ii. Investments: 685,023 679,941 of which: Government securities 630,441 628,263 of which: Other approved securities 31 - of which: Shares 8,235 8,160 of which: Debentures & Bonds 40,170 37,995 of which: Subsidiaries / Joint Ventures / Associates 2,913 3,963 of which: Others (Commercial Papers, Mutual Funds etc.) 3,233 1,560 iii. Loans and advances 1,520,607 1,520,607 of which: Loans and advances to Banks 73,697 73,697 of which: Loans and advances to customers 1,44,6910 1,44,6910 iv. Fixed assets 31,476 31,349 v. Other assets 85,999 83,877 of which: Goodwill and intangible assets 394 394 of which: Deferred tax assets 28,675 28,672 vi. Goodwill on consolidation - - vii. Debit balance in Profit & Loss account - - Total Assets 2,537,697 2,530,058

Step - 2

S. No. Particulars Balance sheet as in Balance sheet as Ref. financial statements per regulatory scope No. of consolidation A. Capital & Liabilities i. Paid-up Capital 8,440 8,440 of which: Amount eligible for CET1 - 8,440 A1 of which: Amount eligible for AT1 - - Reserves & Surplus 98,122 97,033 of which: Statutory Reserve 32,265 32,265 B1 Capital Reserve 5,102 4,624 B2 Revenue & Other Reserves 27,622 27,622 B3 Investment Reserve Account 1,386 1,386 D1 Share Premium 40,969 40,969 A2 Special Reserve 14,500 14,500 B4 Revaluation Reserve 25,569 25,569 of which: Amount eligible for CET1 - 11,506 B5

91 S. No. Particulars Balance sheet as in Balance sheet as Ref. financial per regulatory No. statements requirement

of which: Amount eligible for Tier II - - Balance in Profit & Loss Account (50,168) (50,779) A3 of which: Balance in Profit & Loss Account as per last financial Year (4,391) (4,157) Foreign Currency Translation Reserves 857 857 of which: Considered under Capital fund - 606 B6 IRS Reserve 19 19 Share application money pending allotment 15,000 15,000 B7 Minority Interest - - - Total Capital 121,563 120,473 - ii. Deposits 2,135,954 2,136,038 - of which: Deposits from Banks 19,705 19,705 - of which: Customer deposits 2,116,249 2,116,334 - iii. Borrowings 214,124 214,124 of which: From RBI 79,544 79,544 - of which: From Banks 119 119 - of which: From other institutions & agencies 5,017 5,017 of which: Others (Outside India) 67,945 67,945 of which: Capital instruments 61,500 61,500 of which: Subordinated Innovative Perpetual Debt Instruments 3,000 3,000 of which: Eligible AT1 Capital - 1200 E1 of which: Subordinated Debt - Upper Tier II Capital 10,000 10,000 E2 of which: Subordinated Debt - Tier II Capital 8,500 8,500 of which: Eligible Subordinated Debt Tier II Capital - 900 E3 of which: Subordinated Debt - Tier II Basel III Capital 25,000 25,000 E4 of which: Subordinated Innovative Perpetual 15,000 15,000 E5 Debt Instruments - ATI Capital Basel III Compliant. iv. Other liabilities & provisions 66,057 59,422 Of which: provision for Standard Advances 7512 7512 D2 Of which: provision for Unhedged Foreign 46 46 D3 Currency Exposure of which: DTLs related to goodwill - - of which: DTLs related to Intangible Assets - - of which: DTLs related to Special Reserve 4949 4949 Total 2,537,697 2,530,058 B. Assets i. Cash and balances with Reserve Bank of India 92,911 92,910 - Balance with Banks and money at call and short notice 121,680 121,374 - ii. Investments: 685,023 679,941 - of which: Government securities 630,441 628,263 - of which: Other approved securities 31 - -

92 S. No. Particulars Balance sheet as in Balance sheet as Ref. financial statements per regulatory No. requirement of which: Shares 8,235 8,160 of which: Reciprocal Cross Holding 1,038 1,038 C3 of which: Debentures & Bonds 40,170 37,995 of which: Reciprocal Cross Holding under AT-1 -- of which: Reciprocal Cross Holding under Tier-II 50 50 C4 of which: Subsidiaries / Joint Ventures / Associates 2,913 3,963 C5 of which: Others (Commercial Papers, Mutual Funds etc.) 3,233 1,560 -

iii. Loans and advances 1,520,607 1,520,607 -

of which: Loans and advances to Banks 73,697 73,697 - of which: Loans and advances to customers 1,446,910 1,446,910 - iv. Fixed assets 31,476 31,349 - v. Other assets 85,999 83,877 - of which: Goodwill - - - of which: Intangible Assets 394 394 C1 of which: Deferred tax assets 28,675 28,672 C2 vi. Goodwill on consolidation - - - vii. Debit balance in Profit & Loss account - - -

Total Assets 2,537,697 2,530,058

Step - 3 Extract of Basel III common disclosure template (with added column) - Table DF-11 Common Equity Tier 1 capital: instruments and reserves Component of regulatory Source based on reference num- capital reported by bank bers/letters of the balance sheet under the regulatory scope of consolidation from step 2 1 Directly issued qualifying common share (and equivalent for non-joint stock companies) capital plus related stock surplus 49,410 A1 + A2 2 Retained earnings (50,779) A3 3 Accumulated other comprehensive income (and other reserves) 106,124 B1+B2+B3+B4+B5+B6+B7 4 Directly issued capital subject to phase out from CET1 (only applicable to non- joint stock companies) - 5 Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET1) - 6 Common Equity Tier 1 capital before regulatory adjustments 104,829 7 Prudential valuation adjustments - 8 Goodwill (net of related tax liability) -

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102 {ÉxÉ +lÉ´ÉÉ EÚò III ¸ÉÞÆJɱÉÉ ¤ÉÉÆb÷ vÉÉ®úEòÉå Eäò nùÉ´Éä (Eò) Ê]ªÉ®ú 1 {ÉÚÆVÉÒ ¨Éå ºÉ¨ÉÉʴɹ]õ Eò®úxÉä ½äþiÉÖ {ÉÉjÉ Ê±ÉJÉiÉÉå ¨Éå ÊxÉ´Éä¶ÉEòÉå Eäò nùÉ´ÉÉå ºÉä ´ÉÊ®ú¹`öö ½þÉåMÉä +Éè®ú (JÉ) ¤ÉéEò Eäò +xªÉ ºÉ¦ÉÒ VɨÉÉEòiÉÉÇ+Éå +Éè®ú ±ÉäxÉnùÉ®úÉå nùÉ´ÉÉå ºÉä MÉÉèhÉ ½þÉåMÉä +Éè®ú (MÉ) ¤ÉéEò +lÉ´ÉÉ ºÉƤÉÆÊvÉiÉ ºÉƺlÉÉ +lÉ´ÉÉ +xªÉ ´ªÉ´ÉºlÉÉ VÉÉä EòÉxÉÚxÉÒ +lÉ´ÉÉ +ÉÌlÉEò °ü{É ºÉä ¤ÉéEò Eäò ±ÉäxÉnùÉ®úÉå Eäò nùÉ´ÉÉå EòÒ ´ÉÊ®ú¹`ööiÉÉ EòÉä ¤ÉgøÉiÉÒ ½èþ, EòÒ MÉÉ®Æú]õÒ uùÉ®úÉ xÉ iÉÉä |ÉÊiɦÉÚiÉ ½þÉåMÉä +Éè® ½þÒ Eò´É®ú ½þÉåMÉä* ¦ÉÉ´ÉÒ SÉÖEòÉèiÉÒ ( ¨ÉÚ±ÉvÉxÉ) +xÉÖºÉÚSÉÒ ¤ÉgøÉxÉä EòÉ ¤ÉÉÆb÷vÉÉ®úEòÉå EòÉä EòÉä<Ç +ÊvÉEòÉ®ú xɽþÓ ½þÉäMÉÉ, ʺɴÉÉªÉ Ênù´ÉÉʱɪÉÉ{ÉxÉ +Éè®ú {ÉÊ®úºÉ¨ÉÉ{ÉxÉ ¨Éå* {ÉxÉ EÚò II ¸ÉÞÆJɱÉÉ ¤ÉÉÆb÷ vÉÉ®úEòÉå Eäò nùÉ´Éä (Eò) Ê]ªÉ®ú 1 {ÉÚÆVÉÒ ¨Éå ºÉ¨ÉÉʴɹ]õ Eò®úxÉä ½äþiÉÖ {ÉÉjÉ Ê±ÉJÉiÉÉå ¨Éå ÊxÉ´Éä¶ÉEòÉå Eäò nùÉ´ÉÉå ºÉä ´ÉÊ®ú¹`öö ½þÉåMÉä +Éè®ú (JÉ) ¤ÉéEò Eäò +xªÉ ºÉ¦ÉÒ VɨÉÉEòiÉÉÇ+Éå +Éè®ú ±ÉäxÉnùÉ®úÉå nùÉ´ÉÉå ºÉä MÉÉèhÉ ½þÉåMÉä +Éè®ú (MÉ) ¤ÉéEò +lÉ´ÉÉ ºÉƤÉÆÊvÉiÉ ºÉƺlÉÉ +lÉ´ÉÉ +xªÉ ´ªÉ´ÉºlÉÉ VÉÉä EòÉxÉÚxÉÒ +lÉ´ÉÉ +ÉÌlÉEò °ü{É ºÉä ¤ÉéEò Eäò ±ÉäxÉnùÉ®úÉå Eäò nùÉ´ÉÉå EòÒ ´ÉÊ®ú¹`ööiÉÉ EòÉä ¤ÉgøÉiÉÒ ½èþ, EòÒ MÉÉ®Æú]õÒ uùÉ®úÉ xÉ iÉÉä |ÉÊiɦÉÚiÉ ½þÉåMÉä +Éè® xÉ ½þÒ Eò´É®ú ½þÉåMÉä* ¦ÉÉ´ÉÒ SÉÖEòÉèiÉÒ ( +lÉ´ÉÉ ¨ÉÚ±ÉvÉxÉ) +xÉÖºÉÚSÉÒ ¤ÉgøÉxÉä EòÉ ¤ÉÉÆb÷vÉÉ®úEòÉå EòÉä EòÉä<Ç +ÊvÉEòÉ®ú xɽþÓ ½þÉäMÉÉ, ʺɴÉÉªÉ Ênù´ÉÉʱɪÉÉ{ÉxÉ +Éè®ú {ÉÊ®úºÉ¨ÉÉ{ÉxÉ ¨Éå* I +|ɪÉÉäVªÉ +|ɪÉÉäVªÉ +|ɪÉÉäVªÉ +|ɪÉÉäVªÉ +|ɪÉÉäVªÉ ¤ÉÉÆb÷ vÉÉ®úEòÉå Eäò nùÉ´Éä (Eò) Ê]ªÉ®ú 1 {ÉÚÆVÉÒ ¨Éå ºÉ¨ÉÉʴɹ]õ Eò®úxÉä ½äþiÉÖ {ÉÉjÉ Ê±ÉJÉiÉÉå ¨Éå ÊxÉ´Éä¶ÉEòÉå Eäò nùÉ´ÉÉå ºÉä ´ÉÊ®ú¹`ööö ½þÉåMÉä +Éè®ú (JÉ) ¤ÉéEò Eäò +xªÉ ºÉ¦ÉÒ VɨÉÉEòiÉÉÇ+Éå +Éè®ú ±ÉäxÉnùÉ®úÉå nùÉ´ÉÉå ºÉä MÉÉèhÉ ½þÉåMÉä +Éè®ú (MÉ) ¤ÉéEò +lÉ´ÉÉ ºÉƤÉÆÊvÉiÉ ºÉƺlÉÉ +lÉ´ÉÉ +xªÉ ´ªÉ´ÉºlÉÉ VÉÉä EòÉxÉÚxÉÒ +lÉ´ÉÉ +ÉÌlÉEò °ü{É ºÉä ¤ÉéEò Eäò ±ÉäxÉnùÉ®úÉå Eäò nùÉ´ÉÉå EòÒ ´ÉÊ®ú¹`öiÉÉ EòÉä ¤ÉgøÉiÉÒ ½èþ, EòÒ MÉÉ®Æú]õÒ uùÉ®úÉ xÉ iÉÉä |ÉÊiɦÉÚiÉ ½þÉåMÉä +Éè® xÉ ½þÒ Eò´É®ú ½þÉåMÉä* ¦ÉÉ´ÉÒ SÉÖEòÉèiÉÒ (EÚò{ÉxÉ +lÉ´ÉÉ ¨ÉÚ±ÉvÉxÉ) +xÉÖºÉÚSÉÒ ¤ÉgøÉxÉä EòÉ ¤ÉÉÆb÷vÉÉ®úEòÉå EòÉä EòÉä<Ç +ÊvÉEòÉ®ú xɽþÓ ½þÉäMÉÉ, ʺɴÉÉªÉ Ênù´ÉÉʱɪÉÉ{ÉxÉ +Éè®ú {ÉÊ®úºÉ¨ÉÉ{ÉxÉ ¨Éå* EòÉ Ê´É´É®úhÉ Ê´É¶Éä¹ÉiÉÉBÆ ªÉÊnù +´É±ÉäJÉxÉ, {ÉÚhÉÇiÉ: ªÉÉ +ƶÉiÉ:ªÉÊnù +´É±ÉäJÉxÉ, ºlÉɪÉÒ ªÉÉ +ºlÉɪÉÒªÉÊnù +ºlÉɪÉÒ +´É±ÉäJÉxÉ, ®úÉ<]õ +{É iÉÆjÉ {ÉÊ®úºÉ¨ÉÉ{ÉxÉ ¨Éå ºÉ¤ÉÉÌb÷xÉä¶ÉxÉ +xÉÖGò¨É EòÒ ÎºlÉÊiÉ (ʱÉJÉiÉ ºÉä iÉiEòÉ±É =SSÉiÉ®ú ʱÉJÉiÉ EòÉ |ÉEòÉ®ú Ê´ÉÊxÉÌnù¹]õ Eò®åú) {ÉÚhÉÇiÉ: ºlÉɪÉÒMÉè®ú +xÉÖ{ÉɱÉxÉ ]ÅõÉÆÊVɶÉÆb÷ ʴɶÉä¹ÉiÉÉBÆ {ÉÚhÉÇiÉ: ºlÉɪÉÒªÉÊnù ½þÉÆ, MÉè®ú +xÉÖ{ÉÉʱÉiÉ xɽþÓ {ÉÚhÉÇiÉ: ºlÉɪÉÒ xɽþÓ 33. 34. 35. 32. Gò¨É ºÉÆ. Ê´É´É®úhÉ ¸ÉÞÆJɱÉÉ 36. 37.

103 TABLE DF – 13 Main Features of Regulatory Capital A. Equity Capital The main features of Equity Capital are as follows: S. No. Particulars Equity 1 Issuer Allahabad Bank 2 Unique identifier ISIN: INE428A01015 3 Governing law(s) of the instrument Indian Laws Regulatory treatment 4 Transitional Basel III rules Common Equity Tier I 5 Post-transitional Basel III rules Common Equity Tier I 6 Eligible at solo/group/ group & solo Solo & Group 7 Instrument type Common Equity 8 Amount recognized in regulatory capital (as of most recent reporting date) ` 8,440.44 million 9 Par value of instrument ` 8,440.44 million (` 10 per share ) 10 Accounting classification Shareholder's Fund 11 Original date of issuance Various 12 Perpetual or dated Perpetual 13 Original maturity date No Maturity 14 Issuer call subject to prior supervisory approval No 15 Optional call date, contingent call dates and redemption amount NA 16 Subsequent call dates, if applicable NA Coupons / dividends 17 Fixed or floating dividend/coupon Discretionary Dividend 18 Coupon rate and any related index NA 19 Existence of a dividend stopper No 20 Fully discretionary, partially discretionary or mandatory Fully Discretionary 21 Existence of step up or other incentive to redeem No 22 Non-cumulative or cumulative Non-Cumulative 23 Convertible or non-convertible NA 24 If convertible, conversion trigger(s) NA 25 If convertible, fully or partially NA 26 If convertible, conversion rate NA 27 If convertible, mandatory or optional conversion NA 28 If convertible, specify instrument type convertible into NA 29 If convertible, specify issuer of instrument it converts into NA 30 Write-down feature No 31 If write-down, write-down trigger(s) NA 32 If write-down, full or partial NA 33 If write-down, permanent or temporary NA 34 If temporary write-down, description of write-up mechanism NA 35 Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument) NA 36 Non-compliant transitioned features No 37 If yes, specify non-compliant features NA

B. Basel II Compliant Tier I Capital instruments The main features of Additional Tier I Capital Instruments are as follows : Perpetual Bond Perpetual Bond S. No. Particulars Series I Series II 1 Issuer Allahabad Bank Allahabad Bank 2 Unique identifier INE428A09091 INE428A09125 3 Governing law(s) of the instrument Indian Laws Indian Laws Regulatory treatment 4 Transitional Basel III rules Additional Tier 1 Additional Tier I 5 Post-transitional Basel III rules Ineligible Ineligible 6 Eligible at solo/group/ group & solo Solo & Group Solo & Group 7 Instrument type Perpetual Perpetual 8 Amount recognized in regulatory capital ` 600 million ` 600 million 9 Par value of instrument `1,500 million `1,500 million (`1 million per Bond) (`1 million per Bond) 10 Accounting classification Liability Liability 11 Original date of issuance 30th March, 2009 18th December, 2009 12 Perpetual or dated Perpetual Perpetual

104 Perpetual Bond Perpetual Bond S. No. Particulars Series I Series II

13 Original maturity date No Maturity No Maturity 14 Issuer call subject to prior supervisory approval Yes Yes 15 Optional call date, contingent call dates and redemption amount Optional call date: 30th March Optional Call Date: 18th 2019 and thereafter on each December 2019 and anniversary date Contingent thereafter on each Call Dates: NA Redemption anniversary date at par Contingent call dates: NA Redemption At Par

16 Subsequent call dates, if applicable On each anniversary date On each anniversary after 30th March 2019 date after 18th December 2019

Coupons / dividends

17 Fixed or floating dividend/coupon Fixed Fixed

18 Coupon rate and any related index 9.20% p.a. payable annually 9.08% p.a., payable from issue date till the first annually from issue date call option date and if the till first call option date Bank does not exercise the and if the Bank does not call option, 50 bps over and exercise the call option, above coupon rate of 9.20% 50 bps over and above i.e. 9.70% p.a. after 30th coupon rate of 9.08% i.e. March, 2019 9.58% p.a. after 18th December, 2019 19 Existence of a dividend stopper No No 20 Fully discretionary, partially discretionary or mandatory Partially discretionary Partially discretionary 21 Existence of step up or other incentive to redeem Yes Yes 22 Noncumulative or cumulative Non-cumulative Non-cumulative 23 Convertible or non-convertible Non-Convertible Non-Convertible 24 If convertible, conversion trigger(s) NA NA 25 If convertible, fully or partially NA NA 26 If convertible, conversion rate NA NA 27 If convertible, mandatory or optional conversion NA NA 28 If convertible, specify instrument type convertible into NA NA 29 If convertible, specify issuer of instrument it converts into NA NA 30 Write-down feature No No 31 If write-down, write-down trigger(s) NA NA 32 If write-down, full or partial NA NA 33 If write-down, permanent or temporary NA NA 34 If temporary write-down, description of write-up mechanism NA NA

35 Position in subordination hierarchy in liquidation The claims of the Bondholders The claims of the shall be (a) superior to the Bondholders shall be (a) claims of investors in equity superior to the claims of shares and (b) subordinated investors in equity shares and (b) to the claims of all other subordinated to the creditors claims of all other creditors

105 C. Basel III Compliant Additional Tier I capital instruments

The main features of Basel III Compliant Additional Tier I capital instruments are as follows:

AT 1 Perpetual AT 1 Perpetual AT 1 Perpetual AT 1 Perpetual S. No. Particulars Bonds Series I Bonds Series II Bonds Series III Bonds Series IV

1 Issuer Allahabad Bank Allahabad Bank Allahabad Bank Allahabad Bank 2 Unique identifier INE428A08069 INE428A08077 INE428A08085 INE428A08093 3 Governing law(s) of the instrument Indian Laws Indian Laws Indian Laws Indian Laws

Regulatory Treatment 4 Transitional Basel III rules Additional Tier I Additional Tier I Additional Tier I Additional Tier I 5 Post-transitional Basel III rules Eligible Eligible Eligible Eligible 6 Eligible at solo/group/ group & solo Solo & Group Solo & Group Solo & Group Solo & Group 7 Instrument type Perpetual Perpetual Perpetual Perpetual 8 Amount recognized in regulatory capital `. 3000 million ` 1000 million ` 6000 million ` 5000 million 9 Par value of instrument ` 3000 million ` 1000 million `6000 million `5000 million (` 1 million per (` 1 million per (` 1 million per (` 1 million per Bond) Bond) Bond) Bond) 10 Accounting classification Liability Liability Liability Liability 11 Original date of issuance 17th March, 2017 25th September, 2017 08th November, 2017 29th December, 2017 12 Perpetual or dated Perpetual Perpetual Perpetual Perpetual 13 Original maturity date No Maturity No Maturity No Maturity No Maturity 14 Issuer call subject to prior supervisory approval Yes Yes Yes Yes 15 Optional call date, contingent call dates and redemption amount Optional Call Date: Optional Call Date: Optional Call Date: Optional Call Date: 17th March 2022 26th September 08th November 29th December and thereafter on 2022 (25th 2022 and thereafter 2022 and thereafter each anniversary September 2022 on each on each date Contingent call being Sunday) and anniversary date anniversary date dates: NA thereafter on each Contingent call Contingent call Redemption At Par anniversary date dates: NA dates: NA Contingent call Redemption At Par Redemption At Par dates: NA Redemption At Par 16 Subsequent call dates, if applicable On each anniver- On each anniversary On each anniversary On each anniver- sary date after date after 25th Sep- date after 08th Novem- sary date after 17th March 2022 tember 2022 ber 2022 29th December 2022 Coupons/Dividends 17 Fixed or floating dividend/coupon Fixed Fixed Fixed Fixed 18 Coupon rate and any related index 11.15% p.a., pay- 11.85% p.a., pay- 9.34% p.a., pay- 10.00% p.a., pay- able annually from able annually from able annually from able annually from issue date. issue date. issue date. issue date. 19 Existence of a dividend stopper Yes Yes Yes Yes 20 Fully discretionary, partially discretionary or mandatory Fully discretionary Fully discretionary Fully discretionary Fully discretionary 21 Existence of step up or other incentive to redeem No No No No 22 Noncumulative or cumulative Non-cumulative Non-cumulative Non-cumulative Non-cumulative 23 Convertible or non-convertible Non-Convertible Non-Convertible Non-Convertible Non-Convertible 24 If convertible, conversion trigger(s) NA NA NA NA 25 If convertible, fully or partially NA NA NA NA

106 AT 1 Perpetual AT 1 Perpetual AT 1 Perpetual AT 1 Perpetual S. No. Particulars Bonds Series I Bonds Series II Bonds Series III Bonds Series IV

26 If convertible, conversion rate NA NA NA NA 27 If convertible, mandatory or optional conversion NA NA NA NA 28 If convertible, specify instrument type convertible into NA NA NA NA 29 If convertible, specify issuer of instrument it converts into NA NA NA NA 30 Write-down feature Yes Yes Yes Yes

31 If write-down, There are two There are two There are two There are two write-down trigger(s) types of write types of write types of write types of write down triggers: down triggers: down triggers: down triggers: 1. Trigger Event 1. Trigger Event 1. Trigger Event 1. Trigger Event means that the means that the means that the means that the Bank?s CET 1 Ratio Bank's CET 1 Ratio Bank's CET 1 Ratio Bank's CET 1 Ratio is: is: is: is: (i) if calculated at (i) if calculated at (i) if calculated at (i) if calculated at any time prior to any time prior to any time prior to any time prior to March 31, 2019, at March 31, 2019, at March 31, 2019, at March 31, 2019, at or below 5.5%; or or below 5.5%; or or below 5.5%; or or below 5.5%; or (ii) if calculated at (ii) if calculated at (ii) if calculated at (ii) if calculated at any time from and any time from and any time from and any time from and including March 31, including March 31, including March 31, including March 31, 2019, at or below 2019, at or below 2019, at or below 2019, at or below 6.125%, (the "CET1 6.125%, (the "CET1 6.125%, (the "CET1 6.125%, (the "CET1 Trigger Event Trigger Event Trigger Event Trigger Event Threshold") Threshold") Threshold") Threshold") 2. PONV Trigger, in 2. PONV Trigger, in 2. PONV Trigger, in 2. PONV Trigger, in respect of the Bank respect of the Bank respect of the Bank respect of the Bank means the earlier of: means the earlier means the earlier of: means the earlier of: of: (i) a decision that (i) a decision that (i) a decision that the conversion or (i) a decision that the conversion or the conversion or permanent write the conversion or permanent write permanent write off, without which permanent write off, without which off, without which the off, without which the Bank would the Bank would the Bank would become nonviable, Bank would become nonviable, become nonviable, is necessary, as become nonviable, is necessary, as is necessary, as determined by the is necessary, as determined by the determined by the determined by the Reserve Bank of Reserve Bank of Reserve Bank of India; and Reserve Bank of India; and India; and India; and b) the decision to b) the decision to b) the decision to make a public b) the decision to make a public make a public sector sector injection of make a public sector injection of injection of capital, capital, or sector injection of capital, or or equivalent equivalent support, capital, or equivalent support, support, without without which the equivalent without which the which the Bank Bank would have Bank would have support, without would have become become non-viable, become non-viable, which the Bank non-viable, as as determined by as determined by would have determined by the the RBI/ Relevant the RBI/ Relevant become non-viable, RBI/ Relevant authority. authority. as authority. determined by the RBI/ Relevant authority. 32 If write-down, full or partial Fully or Partially Fully or Partially Fully or Partially Fully or Partially as determined by as determined by as determined by as determined by the RBI the RBI the RBI the RBI

33 If write-down, 1.In case of PONV 3.In case of PONV 5.In case of PONV 7.In case of PONV permanent or temporary Trigger - only Trigger - only Trigger - only Trigger - only Permanent. Permanent. Permanent. Permanent. 2.In case of pre 4.In case of pre 6.In case of pre 8.In case of pre specified trigger - specified trigger - specified trigger - specified trigger - only Temporary. only Temporary. only Temporary. only Temporary.

107 AT 1 Perpetual AT 1 Perpetual AT 1 Perpetual AT 1 Perpetual S. No. Particulars Bonds Series I Bonds Series II Bonds Series III Bonds Series IV

34 If temporary write-down, Following a write- Following a write- Following a write- Following a write- description of write-up mechanism down pursuant to down pursuant to down pursuant to down pursuant to Pre-specifiedCET1 Pre-specifiedCET1 Pre-specifiedCET1 Pre-specifiedCET1 TriggerEvent Trigger Event Trigger Event Trigger Event (Temporary write (Temporary write (Temporary write (Temporary write down), the out- down), the down), the down), the standing principal outstanding principal outstanding principal outstanding principal amount of the bonds amount of the bonds amount of the bonds amount of the bonds may be increased in may be increased in may be increased in may be increased in accordance with RBI accordance with RBI accordance with RBI accordance with RBI guidelines. Bonds guidelines. Bonds guidelines. Bonds guidelines. Bonds may be subject to may be subject to may be subject to may be subject to more than one more than one more than one more than one Reinstatement. Reinstatement. Reinstatement. Reinstatement.

35 Position in subordination The claims of the The claims of the The claims of the The claims of the hierarchy in liquidation Bondholders shall be Bondholders shall be Bondholders shall be Bondholders shall be (i) superior to the (i) superior to the (i) superior to the (i) superior to the claims of investors claims of investors claims of investors claims of investors in equity shares and in equity shares and in equity shares and in equity shares and perpetual non- perpetual non- perpetual non- perpetual non- cumulative cumulative cumulative cumulative preference shares preference shares preference shares preference shares of the Issuer, if any; of the Issuer, if any; of the Issuer, if any; of the Issuer, if any; (ii) subordinate to (ii) subordinate to (ii) subordinate to (ii) subordinate to the claims of all the claims of all the claims of all the claims of all depositors and depositors and depositors and depositors and general creditors general creditors general creditors general creditors and subordinated and subordinated and subordinated and subordinated debt of the Issuer debt of the Issuer debt of the Issuer debt of the Issuer other than other than other than other than subordinated debt subordinated debt subordinated debt subordinated debt qualifying as qualifying as qualifying as qualifying as Additional Tier1 Additional Tier1 Additional Tier1 Additional Tier1 Capital (as the term Capital (as the term Capital (as the term Capital (as the term is defined in the is defined in the is defined in the is defined in the Basel III Guidelines) Basel III Guidelines) Basel III Guidelines) Basel III Guidelines) of the Issuer; of the Issuer; of the Issuer; of the Issuer; (iii) pari-passu (iii) pari-passu (iii) pari-passu (iii) pari-passu without preference without preference without preference without preference amongst themselves amongst themselves amongst themselves amongst themselves and other debt and other debt and other debt and other debt instruments instruments instruments instruments classifying as classifying as classifying as classifying as Additional Tier 1 Additional Tier 1 Additional Tier 1 Additional Tier 1 Capital in terms of Capital in terms of Capital in terms of Capital in terms of Basel III Guidelines; Basel III Guidelines; Basel III Guidelines; Basel III Guidelines; (iv) to the extent (iv) to the extent (iv) to the extent (iv) to the extent permitted by the permitted by the permitted by the permitted by the Basel III Guidelines, Basel III Guidelines, Basel III Guidelines, Basel III Guidelines, pari-passu with any pari-passu with any pari-passu with any pari-passu with any subordinated subordinated subordinated subordinated obligation eligible for obligation eligible for obligation eligible for obligation eligible for inclusion in hybrid inclusion in hybrid inclusion in hybrid inclusion in hybrid Tier 1 capital under Tier 1 capital under Tier 1 capital under Tier 1 capital under the then prevailing the then prevailing the then prevailing the then prevailing Basel II guidelines; Basel II guidelines; Basel II guidelines; Basel II guidelines; and and and and v) Neither secured v) Neither secured v) Neither secured v) Neither secured nor covered by a nor covered by a nor covered by a nor covered by a guarantee of the guarantee of the guarantee of the guarantee of the Issuer nor related Issuer nor related Issuer nor related Issuer nor related entity or other entity or other entity or other entity or other arrangement that arrangement that arrangement that arrangement that legally or legally or legally or legally or economically economically economically economically enhances the enhances the enhances the enhances the seniority of the claim seniority of the claim seniority of the claim seniority of the claim vis-à-vis bank vis-à-vis bank vis-à-vis bank vis-à-vis bank creditors. creditors. creditors. creditors.

108 D. Tier II Capital Instruments a. Upper Tier II Capital Instruments : The main features of Upper Tier II Capital Instruments are as follows : S. No. Particulars Series I Series II 1. Issuer Allahabad Bank Allahabad Bank 2. Unique identifier INE428A09075 INE428A09117 3. Governing law(s) of the instrument Indian Laws Indian Laws Regulatory treatment 4. Transitional Basel III rules Tier 2 Tier 2 5. Post-transitional Basel III rules Ineligible Ineligible 6. Eligible at solo/group/ group & solo Solo & Group Solo & Group 7. Instrument type Upper Tier II Upper Tier II 8. Amount recognized in regulatory capital (`in million, as of most recent reporting date) ` 5,000 million ` 5,000 million 9. Par value of instrument ` 5,000 million ` 5,000 million (` 1 million per Bond) (`1 million per Bond) 10. Accounting classification Liability Liability 11. Original date of issuance 19th March 2009 18th December 2009 12. Perpetual or dated Dated Dated 13. Original maturity date 19th March 2024 18th December 2024 14. Issuer call subject to prior supervisory approval Yes Yes 15. Optional call date, contingent call dates Optional Call Date: 19th March 2019 Optional Call Date: 18th December and redemption amount and thereafter on each anniversary 2019 and thereafter on each date Contingent call dates: NA anniversary date Contingent call Redemption at Par dates: NA Redemption at Par

16. Subsequent call dates, if applicable On each anniversary date On each anniversary after optional call date i.e. date after optional 19.03.2019. call date i.e. 18.12.2019. Coupons / dividends 17. Fixed or floating dividend / coupon Fixed Fixed 18. Coupon rate and any related index 9.28% p.a. payable annually from 8.58% p.a. payable annually from issue date till the first call option date and issue date till the first call option if the call option is not exercised by the date and if the call option is not Bank then 50 bps over and above exercised by the Bank then 50 bps coupon rate of 9.28% i.e. 9.78% p.a. over and above coupon rate of payable annually after 19th March 2019 8.58% i.e. 9.08% p.a. payable annually after 18th December 2019 19. Existence of a dividend stopper No No 20. Fully discretionary, partially discretionary or mandatory Partially discretionary Partially discretionary 21. Existence of step up or other incentive to redeem Yes Yes 22. Noncumulative or cumulative Non-Cumulative Non-Cumulative 23. Convertible or non-convertible Non-Convertible Non-Convertible 24. If convertible, conversion trigger(s) NA NA 25. If convertible, fully or partially NA NA 26. If convertible, conversion rate NA NA 27. If convertible, mandatory or optional conversion NA NA 28. If convertible, specify instrument type convertible into NA NA 29. If convertible, specify issuer of instrument it converts into NA NA 30. Write-down feature No No 31. If write-down, write-down trigger(s) NA NA 32. If write-down, full or partial NA NA 33. If write-down, permanent or temporary NA NA 34. If temporary write-down, description of write-up mechanism NA NA 35. Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument) The claims of the investors in these The claims of the investors in these Bonds shall be (a) superior to the Bonds shall be (a) superior to the claims of investors in instruments claims of investors in instruments eligible for inclusion in Tier I capital; eligible for inclusion in Tier I capital; and (b) subordinate to the claims of and (b) subordinate to the claims of all other creditors. all other creditors.

36. Non-compliant transitioned features Yes Yes 37. If yes, specify non-compliant features Step up; No Basel III Step up; No Basel III Loss Loss Absorbency Absorbency 109 b. Subordinated Bonds, Lower Tier II : The main features of Subordinate Bonds are as follows :

S. No. Particulars Series VIII Series IX 1. Issuer Allahabad Bank Allahabad Bank 2. Unique identifier INE428A09083 INE428A09109 3. Governing law(s) of the instrument Indian Laws Indian Laws Regulatory treatment 4. Transitional Basel III rules Tier 2 Tier 2 5. Post-transitional Basel III rules Ineligible Ineligible 6. Eligible at solo/group/ group & solo Solo & Group Solo & Group 7. Instrument type Tier 2 Instruments Tier 2 Instruments 8. Amount recognized in regulatory capital (` in million, as of most recent reporting date) - `900 million 9. Par value of instrument ` 4,000 million ` 4,500 million (`1 million per Bond) (`1 million per Bond) 10. Accounting classification Liability Liability 11. Original date of issuance 26th March 2009 4th August 2009 12. Perpetual or dated Dated Dated 13. Original maturity date 26th March 2019 4th August 2019 14. Issuer call subject to prior supervisory approval No No 15. Optional call date, contingent call dates and redemption amount No No 16. Subsequent call dates, if applicable NA NA Coupons / dividends 17. Fixed or floating dividend / coupon Fixed Fixed 18. Coupon rate and any related index 9.23% p.a. payable annually 8.45% p.a. payable annually 19. Existence of a dividend stopper No No 20. Fully discretionary, partially discretionary or mandatory Mandatory Mandatory 21. Existence of step up or other incentive to redeem No No 22. Non-cumulative or cumulative Non-Cumulative Non-Cumulative 23. Convertible or non-convertible Non-Convertible Non-Convertible 24. If convertible, conversion trigger(s) NA NA 25. If convertible, fully or partially NA NA 26. If convertible, conversion rate NA NA 27. If convertible, mandatory or optional conversion NA NA 28. If convertible, specify instrument type convertible into NA NA 29. If convertible, specify issuer of instrument it converts into NA NA 30. Write-down feature No No 31. If write-down, write-down trigger(s) NA NA 32. If write-down, full or partial NA NA 33. If write-down, permanent or temporary NA NA 34. If temporary write-down, description of write-up mechanism NA NA 35. Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these The claims of the investors in these immediately senior to instrument) Bonds shall be (a) superior to the Bonds shall be (a) superior to the claims of investors in instruments claims of investors in instruments eligible for inclusion in Tier I capital; eligible for inclusion in Tier I capital; and (b) subordinate to the claims and (b) subordinate to the claims of all other creditors. of all other creditors. 36. Non-compliant transitioned features Yes Yes 37. If yes, specify non-compliant features No Basel III Loss Absorbency No Basel III Loss Absorbency

110 ry January 2017 January 2027 th th 1 million per Bond) 10000 million 10000 million Liability ` ` ` December 2025 December 2015 25 st st 1 million per Bond) ( 10000 million 10000 million ` ` ` 20th December 2025 25 *21 being Sunday 2 Tier 2 Tier 2 January 2025 th 1 million per Bond) ( 5000 million 5000 million ` ` Eligible Eligible Eligible ` INE428A08028Indian Laws INE428A08044 Indian Laws INE428A08051 Indian Laws ( Series III Series III Series Partially discretionary Partially discretionary Partially discretiona annually till Maturityof Bonds annually till Maturity annually till Maturity of Bonds of Bonds Dated Dated Dated mandatory Allahabad Bank Allahabad Bank Allahabad Bank Allahabad Bank issuance 20th January 2015 21 in million, as of most recent reporting date) ` ( Bloomberg identifier for private placement) 5.6. Post-transitional Basel III rules 7. Eligible at solo/group/ group & solo8. Instrument type Amount recognized in regulatory capital Solo & Group Solo & Group Subordinate Tier II Solo & Group Subordinate Tier II Subordinate Tier II 9. Par value of instrument 3.4. Governing law(s) of the instrument Regulatory treatment Transitional Basel III rules Tier 1. Issuer 2. ISIN or Unique identifier (e.g. CUSIP, 11. Original date of 10. Accounting classification Liability Liability 12.13. Perpetual or dated Original maturity date 20 14.15. Issuer call subject to prior supervisory approval16. Optional call date, contingent dates and redemption amount Subsequent call dates, if applicable NA17.18. Fixed or floating dividend / couponindexrelated any and rate Coupon NA19.20. Existence of a dividend stopper discretionary or partially Fully discretionary, NA NA Fixed NA 8.78% p.a. payable NA No 8.64% p.a. payable NA 8.15% p.a. payable NA Fixed NA No Fixed No S. No.S. Particulars c. Basel III Complaint Tier 2 Bonds The main features of Basel III Complaint Tier II Bonds are as follows: Coupons / dividends

111 The Bonds may, at the option of The Bonds may, the RBI, be permanently written off upon occurrence of the trig- ger event called the "Point of Non Viability Trigger". The PONV Trigger event shall be the earlier of: a) a decision that the perma- nent write off, without which the Bank would become non-vi- as deter- able, is necessary, mined by the RBI; and b) the decision to make a pub- lic sector injection of capital, or equivalent support, without which the Bank would have be- come non-viable, as deter- mined by the relevant authority. Such a decision would invari- ably imply that the write-off con- sequent upon the trigger event must occur prior to any public sector injection of capital so that the capital provided by public sector is not diluted. The Bonds may, at the option of The Bonds may, the RBI, be permanently written off upon occurrence of the trig- ger event called the "Point of Non Viability Trigger". The PONV Trigger event shall be the earlier of: a) a decision that the perma- nent write off, without which the Bank would become non-vi- as deter- able, is necessary, mined by the RBI; and b) the decision to make a pub- lic sector injection of capital, or equivalent support, without which the Bank would have be- come non-viable, as deter- mined by the relevant authority. Such a decision would invari- ably imply that the write-off con- sequent upon the trigger event must occur prior to any public sector injection of capital so that the capital provided by public sector is not diluted. n-Convertible Non-Convertible Non-Convertible Series III Series III Series The Bonds may, at the option of The Bonds may, the RBI, be permanently written off upon occurrence of the trigger event called the "Point of Non Viability Trigger". The PONV Trigger event shall be the earlier of: a) a decision that the permanent write off, without which the Bank would become non-viable, is as determined by the necessary, RBI; and b) the decision to make a public sector injection of capital, or equivalent support, without which the Bank would have become non-viable, as determined by the Such a decision relevant authority. would invariably imply that the write-off consequent upon the trigger event must occur prior to any public sector injection of capital so that the provided by the public sector is not diluted. Non-Cumulative Non-Cumulative Non-Cumulative Non-Cumulative 21. Existence of step up or other incentive to redeem22. Noncumulative or cumulative 23. Convertible or non-convertible24. No If convertible, conversion trigger(s)25. If convertible, fully or partiallyNA26. If convertible, conversion rateNA27. If convertible, mandatory or optional conversion28. If convertible, specify instrument type convertible into29. If convertible, specify issuer of instrument it converts into30. NA NA NA Write-down feature31. NA No If write-down, write-down trigger(s) No NA NA NA NA NA NA No NA YES NA NA NA NA NA NA YES NA YES S. No.S. Particulars

112 The claims of the Bondholders shall be (a) senior to the claims of investors in instruments eligible for inclusion in Tier 1 capital of the Bank; (b) subordinate to the claims of all depositors and general creditors of the Bank; and (c) neither secured nor covered by a guarantee of the Bank or related entity or other arrangement that legally or economically enhances the seniority of the claim vis-à-vis creditors of the Bank. The Bondholders shall have no rights to accelerate the repayment of future scheduled payments (coupon or principal) except in bankruptcy and liquidation. The claims of the Bondholders shall be (a) senior to the claims of investors in instruments eligible for inclusion in Tier 1 capital of the Bank; (b) subordinate to the claims of all depositors and general creditors of the Bank; and (c) neither secured nor covered by a guarantee of the Bank or related entity other arrangement that legally or economically enhances the seniority of the claim vis-à-vis creditors of the Bank. The Bondholders shall have no rights to accelerate the repayment of future scheduled payments (coupon or principal) except in bankruptcy and liquidation. Series IFullPermanentII Series Permanent FullIII Series Permanent Full The claims of the Bondholders shall be (a) senior to the claims of investors in instruments eligible for inclusion in Tier 1 capital of the Bank; (b) subordinate to the claims of all depositors and general creditors of the Bank; and (c) neither secured nor covered by a guarantee of the Bank or related entity or other arrangement that legally or economically enhances the seniority of the claim vis-à-vis creditors of the Bank. The Bondholders shall have no rights to accelerate the repayment of future scheduled payments (coupon or principal) except in bankruptcy and liquidation. (specify instrument type immediately senior to instrument) 32. If write-down, full or partial 33. If write-down, permanent or temporary 34. If temporary write-down, description of write-up mechanism NA35. Position in subordination hierarchy liquidation NA NA 36. Non-compliant transitioned features37. If yes, specify non-compliant features NO NA NO NA NO NA S. No.S. Particulars

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ÊxÉVÉÒ °ü{É ºÉä vÉÉÊ®úiÉ 1,812

MÉ. ±ÉɦÉ/ ½þÉÊxÉ Ê´É´É®úhÉ (` ʨÉʱɪÉxÉ ¨Éå) Ê´É´É®úhÉ ®úÉÊ¶É Ê®ú{ÉÉäÍ]õMÉ +´ÉÊvÉ ¨Éå Ê´ÉGòªÉ +Éè®ú {ÉÊ®úºÉ¨ÉÉ{ÉxÉ ºÉä =i{ÉzÉ ½þÉäxÉä ºÉä ½ÖþB ºÉÆSɪÉÒ ±ÉɦÉ(½þÉÊxÉ) – ´ÉºÉÚ±É xÉ ÊEòB MÉB EÖò±É ±ÉɦÉ(½þÉÊxÉ) 859 EÖò±É +´ªÉHò {ÉÖxɨÉÚDZªÉxÉ ±ÉɦÉ(½þÉÊxÉ) – {ÉÚÆVÉÒ ¨Éå ¶ÉÉÊ¨É±É ´ÉºÉÚ±É xÉ ÊEòB MÉB EÖò±É ±ÉɦÉ(½þÉÊxÉ) – {ÉÚÆVÉÒ ¨Éå ¶ÉÉÊ¨É±É +´ªÉHò {ÉÖxɨÉÚDZªÉxÉ ±ÉɦÉ(½þÉÊxÉ) –

PÉ. ¤ÉéËEòMÉ ¤ÉʽþªÉÉä ½äþiÉÖ {ÉÚÆVÉÒ +{ÉäIÉÉ (` ʨÉʱɪÉxÉ ¨Éå) <ÎC´É]õÒ ºÉ¨ÉÚ½þxÉ ¤ÉɺÉä±É *** Eäò +ÆiÉMÉÇiÉ ={ÉSÉÉ®ú {ÉÚÆVÉÒ +{ÉäIÉÉ

{ÉÒBºÉªÉÚ/EòÉ®ú{ÉÉä®äú]õ Eäò +xªÉ ¶ÉäªÉ®,ú VÉÉä ¦ÉÉÊ®ú¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå VÉÉäÊJÉ¨É ¦ÉÉÊ®úiÉ Eäò +xÉÖºÉÉ®ú 2 ¨ÉÉSÉÇ 2004 EòÉä ªÉlÉÉκlÉÊiÉ BSÉ]õÒB¨É ¸ÉähÉÒ Eäò 15 +ÆiÉMÉÇiÉ ¤ÉéEò EòÒ ¤ÉʽþªÉÉå ¨Éå lÉä, <ºÉ |ÉEòÉ®ú ®úJÉä VÉÉ ºÉEòiÉä ½éþ*

ºÉÉ®úhÉÒ b÷ÒB¡ò 17 ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ BCºÉ{ÉÉäVÉ®ú ={ÉÉªÉ ¤ÉxÉÉ¨É ±ÉäJÉÉ +ÉκiɪÉÉå Eäò ʨɱÉÉxÉ EòÉ ºÉÉ®úÉƶÉ

(` ʨÉʱɪÉxÉ ¨Éå) ¨Énù 31 ¨ÉÉSÉÇ 2018 EòÉä ªÉlÉÉκlÉÊiÉ

1 |ÉEòÉʶÉiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå Eäò +xÉÖºÉÉ®ú EÖò±É ºÉ¨ÉäÊEòiÉ +ÉʺÉiɪÉÉÆ 2,530,058 2 ¤ÉéËEòMÉ, Ê´ÉkÉÒªÉ, ¤ÉÒ¨ÉÉ +lÉ´ÉÉ ´ÉÉÊhÉÎVªÉEò ºÉƺlÉÉ+Éå ¨Éå ÊxÉ´Éä¶É ½äþiÉÖ ºÉ¨ÉɪÉÉäVÉxÉ ÊVÉx½åþ ±ÉäJÉÉ |ɪÉÉäVÉxÉ ½äþiÉÖ ºÉ¨ÉäÊEòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ ËEòiÉÖ Ê´ÉÊxɪÉɨÉEò ºÉ¨ÉäEòxÉ EòÒ {ÉÊ®úÊvÉ ºÉä ¤Éɽþ®ú ½èþ* (1,050) 3 {ÉÊ®úSÉɱÉxÉMÉiÉ ±ÉäJÉÉ føÉÆSÉä Eäò +xÉֺɮúhÉ ¨Éå iÉÖ±ÉxÉ{ÉjÉ ¨ÉÉxÉÒ MÉ<Ç ¨Éå |ÉiªÉªÉÒ +ÉκiɪÉÉå EòÉ ºÉ¨ÉɪÉÉäVÉxÉ ËEòiÉÖ ÊVɺÉä ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ BCºÉ{ÉÉäVÉ®ú ={ÉÉªÉ ºÉä ¤Éɽþ®ú ®úJÉÉ VÉÉiÉÉ ½èþ (394) 4 bä÷÷Ê®ú´ÉäÊ]õ´É Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÉ ºÉ¨ÉɪÉÉäVÉxÉ 46,879 5 |ÉÊiɦÉÚÊiÉ Ê´ÉkÉ{ÉÉä¹ÉhÉ ±ÉäxÉnäùxÉÉå EòÉ ºÉ¨ÉɪÉÉäVÉxÉ (+lÉÉÇiÉ ®äú{ÉÉä +Éè®ú <ºÉÒ |ÉEòÉ®ú Eäò |ÉÊiɦÉÚiÉ @ñhÉ) – 6 iÉÖ±ÉxÉ{ÉjÉ ¤ÉÉÁ ¨ÉnùÉå EòÉ ºÉ¨ÉɪÉÉäVÉxÉ (+lÉÉÇiÉ iÉÖ±ÉxÉ{ÉjÉ ¤ÉÉÁ BCºÉ{ÉÉäVÉ®ú Eäò ºÉ¨ÉiÉÖ±ªÉ ®úÉ榃 EòÉ ºÉÆ{ÉÊ®ú´ÉiÉÇxÉ) 1,67,648 7 +xªÉ ºÉ¨ÉɪÉÉäVÉxÉ (20,490) 8 ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ BCºÉ{ÉÉäVÉ®ú 27,22,651 ºÉÉ´ÉÇVÉÊxÉEò Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÉ ºÉ¨ÉÉvÉÉxÉ (` ʨÉʱɪÉxÉ ¨Éå) Gò¨É ºÉÆ. Ê´É´É®úhÉ 31 ¨ÉÉSÉÇ 2018 EòÉä ªÉlÉÉκlÉÊiÉ 1 Ê´ÉkÉÒªÉ Ê´É´É®úhÉ Eäò +xÉÖºÉÉ®ú EÖò±É +ÉʺÉiɪÉÉÆ 25,30,058 2 |ÉÊiɦÉÚÊiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ ½äþiÉÖ ºÉ¨ÉɪÉÉäVÉxÉ (13,585) 3 +xªÉ ºÉ¨ÉɪÉÉäVÉxÉ (21,934) 4 ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ Eäò +ÆiÉMÉÇiÉ iÉÖ±ÉxÉ {ÉjÉ BCºÉ{ÉÉäVÉ®ú 24,94,539

115 ºÉÉ®úhÉÒ b÷ÒB¡ò 18 ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ ºÉɨÉÉxªÉ |ÉEò]õÒEò®úhÉ ]äõ¨{ɱÉä]õ

±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ VÉÉäÊJÉ¨É +ÉvÉÉÊ®úiÉ {ÉÚÆVÉÒ +{ÉäIÉÉ ½äþiÉÖ Ê´É·ÉºÉxÉÒªÉ +xÉÖ{ÉÚ®úEò ={ÉÉªÉ ½èþ* ¤ÉéEò ºÉä +{ÉäÊIÉiÉ ½èþ ÊEò ´É½þ xªÉÚxÉiÉ¨É 4.5% EòÉ ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ ¤ÉxÉÉB ®úJÉä* ºÉ¨ÉäÊEòiÉ føÉÆSÉä Eäò +ÆiÉMÉÇiÉ ¦ÉÉÊ®ú¤Éé Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú {ÉÊ®úEòʱÉiÉ ¤ÉéEò EòÉ ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ: (` ʨÉʱɪÉxÉ ¨Éå) ¨Énù 31 ¨ÉÉSÉÇ 2018 EòÉä ªÉlÉÉκlÉÊiÉ iÉÖ±ÉxÉ{ÉjÉ BCºÉ{ÉÉäVÉ®ú 1 iÉÖ±ÉxÉ{ÉjÉ ¨Énåù (bä÷Ê®ú´ÉäÊ]õ´É +Éè®ú BºÉB¡ò]õÒ ®úʽþiÉ ËEòiÉÖ ºÉÆ{ÉÉÌ·ÉEò ºÉʽþiÉ) 25,16,473 2 (¤ÉɺÉä±É *** Ê]õªÉ®ú 1 {ÉÚÆVÉÒ Eäò ÊxÉvÉÉÇ®úhÉ ½äþiÉÖ PÉ]õÉ<Ç MÉ<Ç +ÉκiÉ EòÒ ®úÉʶÉ) (21,934) 3 EÖò±É iÉÖ±ÉxÉ{ÉjÉ BCºÉ{ÉÉäVÉ®ú (bä÷Ê®ú´ÉäÊ]õ´É +Éè®ú BºÉB¡ò]õÒ ®úʽþiÉ) ({ÉÆÊHò 1 +Éè®ú 2 EòÉ ªÉÉäMÉ) 24,94,540 bä÷Ê®ú´ÉäÊ]õ´É BCºÉ{ÉÉäVÉ®ú 4 ºÉ¦ÉÒ bä÷Ê®ú´ÉäÊ]õ´É ±ÉäxÉnäùxÉÉå ºÉä ºÉƤÉrù {ÉÖxɺlÉÉÇ{ÉxÉ ±ÉÉMÉiÉ (+lÉÉÇiÉ {ÉÉjÉ xÉEònùÒ +ÆiÉ®ú ¨ÉÉÌVÉxÉ EòÉ ÊxɴɱÉ) 9,725 5 ºÉ¦ÉÒ bä÷Ê®ú´ÉäÊ]õ´É ±ÉäxÉnäùxÉÉå ºÉä ºÉƤÉrù {ÉÒB¡ò<Ç ½äþiÉÖ Bb ÷+ÉxÉ ®úÉ榃 37,154 6 {ÉÊ®úSÉɱÉxÉ ±ÉäJÉÉ ºÉÆ®úSÉxÉÉ Eäò +xÉֺɮúhÉ ¨Éå bä÷Ê®ú´ÉäÊ]õ´É ºÉÉÆ{ÉÉÌ·ÉEò |ÉÉ´ÉvÉxÉ EòÉ ºÉEò±É VɽþÉÆ - iÉÖ±ÉxÉ{ÉjÉ +ÉʺiɪÉÉå ºÉä PÉ]õɪÉÉ MɪÉÉ ½èþ 7 (xÉEònùÒ +ÆiÉ®ú ¨ÉÉÌVÉxÉ ½äþiÉÖ b÷ä÷Ê®ú´ÉäÊ]õ´É ±ÉäxÉnäùxÉ ¨Éå |ÉÉ´ÉvÉÉxÉ ½äþiÉÖ |ÉÉ{ªÉ +ÉκiɪÉÉå ºÉä Eò]õÉèiÉÒ)* - 8 C±ÉÉ<Æ]õ ÎC±ÉªÉbÇ÷ ]Åäõb÷ BCºÉ{ÉÉäVÉ®ú Eäò UÚô]õ |ÉÉ{iÉ ºÉÒºÉÒ{ÉÒ ±ÉäMÉ - 9 Ê®ú]õxÉ GäòÊb÷]õ bä÷Ê®ú´ÉäÊ]õ´É EòÒ ºÉ¨ÉɪÉÉäÊVÉiÉ |ɦÉÉ´ÉÒ xÉÉä¶ÉxÉ±É ®úÉ榃 - 10 Ê®ú]õxÉ GäòÊb÷]õ bä÷Ê®ú´ÉäÊ]õ´É ½äþiÉÖ +ÉxɺÉä]õ +É¡òºÉä]õ ½äþiÉÖ ºÉ¨ÉɪÉÉäÊVÉiÉ |ɦÉÉ´ÉÒ xÉÉä¶ÉxÉ±É Eò]õÉèiÉÒ - 11 EÖò±É bä÷Ê®úBÊ]õ´É BCºÉ{ÉÉäVÉ®ú({ÉÆÊHò 4 ºÉä 10 EòÉ ªÉÉäMÉ) 46,879 |ÉÊiɦÉÚÊiÉ Ê´ÉkÉ{ÉÉä¹ÉhÉ ±ÉäxÉnäùxÉ BCºÉ{ÉÉäVÉ®ú 12 Ê´ÉGòªÉ ±ÉäJÉÉ ±ÉäxÉnäùxÉÉå Eäò ºÉ¨ÉɪÉÉäVÉxÉ Eäò ¤ÉÉnù ºÉEò±É BºÉB¡ò]õÒ +ÉκiɪÉÉÆ(ʤÉxÉÉ ÊxÉ´É±É ÊEòB) 13,585 13 (ºÉEò±É BºÉB¡ò]õÒ +ÉκiɪÉÉå EòÒ xÉEònù näùªÉ +Éè®ú xÉEònù |ÉÉ{ªÉ ®úÉʶɪÉÉå EòÉ ÊxɴɱÉ) - 14 BºÉB¡ò]õÒ +ÉκiɪÉÉå ½äþiÉÖ ºÉÒºÉÒ+É®ú BCºÉ{ÉÉäVÉ®ú - 15 BVÉå]õ ]ÅõÉÆVÉäC¶ÉxÉ BCºÉ{ÉÉäVÉ®ú - 16 EÖò±É |ÉÊiɦÉÚÊiÉ Ê´ÉkÉ{ÉÉä¹ÉhÉ ±ÉäxÉnäùxÉ BCºÉ{ÉÉäVÉ®({ÉÆÊHò 12 ºÉä 15 EòÉ ªÉÉäMÉ)ú 13,585 +xªÉ iÉÖ±ÉxÉ{ÉjÉ ¤ÉÉÁ BCºÉ{ÉÉäVÉ®ú 17 ºÉEò±É xÉÉä¶ÉxÉ±É ®úÉ榃 {É®ú iÉÖ±ÉxÉ{ÉjÉ ¤ÉÉÁ BCºÉ{ÉÉäVÉ®ú 6,63,299 18 ºÉ¨ÉiÉÖ±ªÉ @ñhÉ ®úÉ榃 ¨Éå ºÉÆ{ÉÊ®ú´ÉiÉÇxÉ ½äþiÉÖ ºÉ¨ÉɪÉÉäVÉxÉ (4,95,651) 19 iÉÖ±ÉxÉ{ÉjÉ ¤ÉÉÁ ¨Énåù ({ÉÆÊHò 17 +Éè®ú 18 EòÉ ªÉÉäMÉ) 1,67,648 {ÉÚÆVÉÒ +Éè®ú EÖò±É BCºÉ{ÉÉäVÉ®ú 20 Ê]õªÉ®ú * {ÉÚÆVÉÒ 99,095 21 EÖò±É BCºÉ{ÉÉäVÉ®ú ({ÉÆÊHò 3,11,16 +Éè®ú 19 EòÉ ªÉÉäMÉ) 2,722,651 ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ

22 ¤ÉɺÉä±É *** ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ 3.64%

±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ |ÉEò]õÒEò®úhÉ (` in millions) Ê´É´É®úhÉ 31 ¨ÉÉSÉÇ, 2018 31 ÊnùºÉ¨¤É®ú, 2017 30 ʺÉiɨ¤É®ú, 2017 30 VÉÚxÉ, 2017

Ê]õªÉ®ú 1 {ÉÚÆVÉÒ 99,095 1,33,977 1,35,950 1,34,195

BCºÉ{ÉÉäVÉ®ú ={ÉÉªÉ 2,722,651 2,679,056 2,622,322 2,566,815 ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ 3.64% 5.00% 5.18% 5.23%

116 FULL TERMS AND CONDITIONS OF REGULATORY TABLE DF – 14 CAPITAL INSTRUMENTS

Disclosures pertaining to the terms and conditions of regulatory capital instruments have been disclosed separately on the Bank's website under the Regulatory Disclosures Section. The link to this section is https://www.allahabadbank.in/english/Capital_Instruments.aspx.

TABLE DF – 15 DISCLOSURE REQUIREMENTS FOR REMUNERATION

Not Applicable For Public Sector Bank

EQUITIES—DISCLOSURE FOR BANKING TABLE DF – 16 BOOK POSITIONS

 In accordance with the RBI guidelines on investment classification and valuation, Investments are classified on the date of purchase into Held for Trading (HFT), Available for Sale (AFS) and Held to Maturity (HTM) categories. Investments which the Bank intends to hold till maturity are classified as HTM securities. In accordance with the RBI guidelines, equity investments held under the HTM category are classified as banking book for capital adequacy purpose.

 Investments in equity of subsidiaries and joint ventures are required to be classified under HTM category in accordance with the RBI guidelines. These are held with a strategic objective to maintain relationships for business purposes.

 Investments classified under HTM category are carried at their acquisition cost and not marked to market. Any diminution, other than temporary, in the value of equity investments is provided for. Any loss on sale of investments in HTM category is recognized in the Statement of Profit and Loss. Any gain from sale of investments under HTM category is recognized in the Statement of Profit and Loss and is appropriated, net of taxes and statutory reserve, to "Capital Reserve" in accordance with the RBI Guidelines.

Quantitative Disclosures

A. Value of Investment (` in millions)

Value as per Balance Investments Fair Value Publicly Quoted Share Values (if Sheet materially different from fair value)

Unquoted 1,812 2,672 NA

Quoted NIL NIL NA

117 B. Types And Nature of Investment (` in millions)

Publicly traded –

Privately held 1,812

C. Gain/ Loss Statement (` in millions) Particulars Amount Cumulative realized gains (losses) arising from sales and liquidations in the reporting period - Total unrealized gains (losses) 859 Total latent revaluation gains (losses) - Unrealized gains (losses) included in Capital - Latent revaluation gains (losses) included in Capital -

D. Capital Requirement for Banking Book (` in millions)

Equity grouping Treatment under Basel III Capital Requirement

Other shares of PSU/Corporate, which were in the books of the Bank under HTM category as on 2nd March 2004 and as per RBI guidelines, Risk weighted 15 can be retained as such.

TABLE DF – 17 SUMMARY COMPARISON OF ACCOUNTING ASSETS VS. LEVERAGE RATIO EXPOSURE MEASURE

(` in millions)

Item As on Mar 31, 2018 1 Total consolidated assets as per published financial statements 25,30,058 2 Adjustment for investments in banking, financial, insurance or commercial entities that are (1,050) consolidated for accounting purposes but outside the scope of regulatory consolidation 3 Adjustment for fiduciary assets recognized on the balance sheet pursuant to the operative accounting framework but excluded from the leverage ratio exposure measure (394) 4 Adjustments for derivative financial instruments 46,879 5 Adjustment for securities financing transactions (i.e. repos and similar secured lending) – 6 Adjustment for off-balance sheet items (i.e. conversion to credit equivalent amounts 1,67,648 of off- balance sheet exposures) 7 Other adjustments (20,490) 8 Leverage ratio exposure 27,22,651

Reconciliation with public financial statements (` in millions) Particulars As on Mar 31, 2018

1 Total assets as per financial statement 25,30,058 2 Adjustments for securities financial statement (13,585) 3 Other adjustments (21,934) 4 On-Balance Sheet exposure under Leverage Ratio 24,94,539

118 TABLE DF – 18 LEVERAGE RATIO COMMON DISCLOSURE TEMPLATE

The leverage ratio act as a credible supplementary measure to the risk based capital requirement. The Bank is required to maintain a minimum leverage ratio of 4.5%. The Bank's leverage ratio, calculated in accordance with the RBI guidelines under consolidated framework is as follows: (` in millions) Item As on Mar 31, 2018 On-balance sheet exposures 1 On-balance sheet items (excluding derivatives and SFTs, but including collateral) 25,16,473 2 (Asset amounts deducted in determining Basel III Tier 1 capital) (21,934) 3 Total on-balance sheet exposures (excluding derivatives and SFTs) 24,94,540 (sum of lines 1 and 2) Derivative exposures 4 Replacement cost associated with all derivatives transactions 9,725 (i.e. net of eligible cash variation margin 5 Add-on amounts for PFE associated with all derivatives transactions 37,154 6 Gross-up for derivatives collateral provided where deducted from the balance sheet – assets pursuant to the operative accounting framework 7 (Deductions of receivables assets for cash variation – margin provided in derivatives transactions) 8 (Exempted CCP leg of client-cleared trade exposures) – 9 Adjusted effective notional amount of written credit derivatives – 10 (Adjusted effective notional offsets and add-on deductions for written credit derivatives) – 11 Total derivative exposures (sum of lines 4 to 10) 46,879 Securities financing transaction exposures 12 Gross SFT assets (with no recognition of netting), after adjusting for sale accounting transactions 13,585 13 (Netted amounts of cash payables and cash receivables of gross SFT assets) – 14 CCR exposure for SFT assets – 15 Agent transaction exposures – 16 Total securities financing transaction exposures (sum of lines 12 to 15) 13,585 Other off-balance sheet exposures 17 Off-balance sheet exposure at gross notional amount 6,63,299 18 (Adjustments for conversion to credit equivalent amounts) (4,95,651) 19 Off-balance sheet items (sum of lines 17 and 18 1,67,648 Capital and total exposures 20 Tier 1 capital 99,095 21 Total exposures (sum of lines 3, 11, 16 and 19) 27,22,651 Leverage ratio 22 Basel III leverage ratio 3.64%

LEVERAGE RATIO DISCLOSURE (` in millions) Particulars Mar 31, 2018 Dec 31, 2017 Sep 30, 2017 June 30, 2017

Tier 1 capital 99,095 133,977 135,950 134,195

Exposure Measure 2,722,651 2,679,056 2,622,322 2,566,815

Leverage Ratio 3.64% 5.00% 5.18% 5.23%

119 EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉçºÉ {É®ú Ê®ú{ÉÉä]Çõ REPORT ON CORPORATE GOVERNANCE

1. EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉçºÉ EòÉ nù¶ÉÇxÉ : 1. Corporate Governance Philosophy: <±ÉɽþɤÉÉnù ¤ÉéEò EòÒ EòÉ®ú{ÉÉä®äú] xÉÒÊiÉ, EòÉ®ú{ÉÉä®äú] MÉ´ÉxÉçºÉ Eäò ºÉÖoùgø ʺÉrùÉxiÉÉå Allahabad Bank's corporate policy envisages sound principles {É®ú +ÉvÉÉÊ®úiÉ ½èþ ÊVɺÉEòÉ =qäù¶ªÉ ½èþ +lÉÇ-´ªÉ´ÉºlÉÉ EòÒ VÉ°ü®úiÉÉå, ®úɹ]ÅõÒªÉ of Corporate Governance aimed at protecting the interests of |ÉÉlÉʨÉEòiÉÉ+Éå iÉlÉÉ EòÉ®ú{ÉÉä®äú]õ Ê´ÉEòÉºÉ EòÒ ÊVɨ¨ÉänùÉ®úÒ ±ÉäiÉä ºÉ¨ÉªÉ ¶ÉäªÉ®úvÉÉ®úEòÉå all its stakeholders, giving utmost importance to shareholders' Eäò ¨ÉÚ±ªÉ EòÉä +iªÉÊvÉEò ¨É½þi´É näùiÉä ½ÖþB +{ÉxÉä ºÉ¦ÉÒ Ê½þiÉvÉÉ®úEòÉå Eäò ʽþiÉÉå EòÒ value while catering to the needs of the economy, national priorities and corporate growth. The Bank believes in highest ®úIÉÉ Eò®úxÉÉ ½èþ* ¤ÉéEò +{ÉxÉä |ÉEòɪÉÉç ¨Éå ºÉiÉiÉ =iEÞò¹]õiÉÉ ½þÉÊºÉ±É Eò®úxÉä Eäò standard of ethical values, transparency and disciplined ʱÉB =SSÉ xÉèÊiÉEò ¨ÉÚ±ªÉÉå, {ÉÉ®únù̶ÉiÉÉ iÉlÉÉ +xÉÖ¶ÉÉʺÉiÉ oùι]õEòÉähÉ ¨Éå Ê´É·ÉÉºÉ approach to achieve sustainable excellence in its functioning. ®úJÉiÉÉ ½èþ* ¤ÉéEò JÉÖ±Éä{ÉxÉ iÉlÉÉ {ÉÚ®úÒ º{ɹ]õiÉÉ Eäò ºÉÉlÉ ºÉ´ÉÉækÉ¨É +ÆiÉ®ú®úɹ]ÅõÒªÉ It is committed to comply with the best international practices |ÉSÉʱÉiÉ ¨ÉÉxÉnÆùb÷Éå Eäò +xÉÖ{ÉɱÉxÉ Eäò ʱÉB |ÉÊiɤÉrù ½èþ ÊVɺɺÉä ¤ÉéEò EòÉä coupled with continued openness and fairness and thereby OÉɽþEòÉå, ¶ÉäªÉ®úvÉÉ®úEòÉå +Éè®ú +xªÉ ºÉ¦ÉÒ Ê½þiÉvÉÉ®úEòÉå Eäò Ê´É·ÉÉºÉ EòÒ {É®ú¨{É®úÉ enjoying "A Tradition of Trust" from its customers, shareholders ½þÉÊºÉ±É ½þÉäMÉÒ* ¤ÉéEò ÊxɨxÉʱÉÊJÉiÉ Eäò ¨ÉÉvªÉ¨É ºÉä EòÉ®ú{ÉÉä®äú]õ =iEÞò¹]õiÉÉ ½þÉÊºÉ±É and all other stakeholders. The Bank seeks to proclaim Eò®úxÉÉ SÉɽþiÉÉ ½èþ* corporate excellence by-

 näù¶É Eäò EòÉxÉÚxÉÒ føÉÄSÉä iÉlÉÉ xÉèÊiÉEò ¨ÉÚ±ªÉÉå Eäò ʺÉrùÉÆiÉÉå Eäò +vÉÒxÉ  Upholding and enhancing the shareholders' value within the ¶ÉäªÉ®úvÉÉ®úEòÉå EòÉ ¨ÉÉxÉ ¤ÉxÉÉB ®úJÉxÉÉ iÉlÉÉ <ºÉä ¤ÉgøÉxÉÉ* principles of ethics and legal framework of the country.   +{ÉxÉä OÉɽþEòÉå EòÉä ºÉ´ÉÉækÉ¨É ºÉä´ÉÉ |ÉnùÉxÉ Eò®úxÉÉ* Extending best of services to its customers.   +{ÉxÉä OÉɽþEòÉå iÉlÉÉ Eò¨ÉÇSÉÉÊ®úªÉÉå, ÊxÉ´Éä¶ÉEòÉå +Éè®ú ºÉ¨ÉOÉiÉ: ºÉ¨ÉÉVÉ Eäò Proclaiming a free and fair environment for its customers, +xªÉ iɤÉEòÉå Eäò ʱÉB BEò JÉÖ±ÉÒ B´ÉÆ ºÉÉ¡òºÉÖlÉ®úÒ {ÉÊ®úκlÉÊiÉ iÉèªÉÉ®ú employees, investors and other sections of the society at Eò®úxÉÉ* large.   ºÉ¨ÉÉVÉ Eäò ºÉ¦ÉÒ ´ÉMÉÉç Eòä ʱÉB ÊxÉ®ú{ÉäIÉ B´ÉÆ ºÉ¨ÉÉxÉ xªÉÉªÉ ºÉÖÊxÉζSÉiÉ Ensuring a proactive management free from bias, ensuring Eò®úxÉä Eäò ʱÉB +ÊiɺÉÊGòªÉ |ɤÉÆvÉxÉ ºÉÖÊxÉζSÉiÉ Eò®úxÉÉ* fair and equitable justice to all sections of the society. 2. ÊxÉnäù¶ÉEò ¨ÉÆb÷±É : 2. Board of Directors: 2.1 ÊxÉnäù¶ÉEò ¨ÉÆb÷±É EòÉ MÉ`ööxÉ ¤ÉéËEòMÉ Ê´ÉÊxÉªÉ¨É +ÊvÉÊxÉªÉ¨É 1949, ¤ÉéËEòMÉ 2.1 The constitution of Board of Directors is governed by the EÆò{ÉxÉÒ (={ÉGò¨ÉÉå EòÉ +VÉÇxÉ B´ÉÆ +ÆiÉ®úhÉ) +ÊvÉÊxÉªÉ¨É 1970 iÉlÉÉ provisions of the Banking Regulation Act, 1949, Banking ®úɹ]ÅõÒªÉEÞòiÉ ¤ÉéEò (|ɤÉÆvÉxÉ B´ÉÆ |ÉEòÒhÉÇ |ÉÉ´ÉvÉÉxÉ) ªÉÉäVÉxÉÉ 1970 uùÉ®úÉ Companies (Acquisition and Transfer of Undertakings) Act, 1970 and Nationalized Banks (Management and ¶ÉÉʺÉiÉ ½þÉäiÉÉ ½èþ* ÊxÉnäù¶ÉEòMÉhÉ ¤ÉÉäbÇ÷ EòÉä ÊxÉ{ÉÖhÉiÉÉ EòÒ ´ÉèÊ´ÉvªÉiÉÉ iÉlÉÉ Miscellaneous Provisions) Scheme, 1970. The Directors ʴɺiÉÞiÉ +xÉÖ¦É´É |ÉnùÉxÉ Eò®úiÉä ½éþ ÊVɺɺÉä ¤ÉéEò EòÉä nùIÉ B´ÉÆ Êxɹ{ÉIÉ bring in wide range of expertise and experience to the Board, ÊxÉnäù¶É |ÉÉ{iÉ ½þÉäiÉÉ ½èþ* facilitating proficient and unbiased direction to the Bank.

+vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò/|ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò The Chairman and Managing Director/ Managing Director +ÊvÉEòÉ®úÒ iÉlÉÉ nùÉä EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú uùÉ®úÉ ÊxɪÉÖHò & CEO and two Executive Directors are the whole time {ÉÚhÉÇEòÉʱÉEò ÊxÉnäù¶ÉEò ½éþ* +xªÉ ÊxÉnäù¶ÉEòÉå ¨Éå ÊxɨxÉʱÉÊJÉiÉ ¶ÉÉÊ¨É±É Directors appointed by the Government of India. The other ½éþ :- Directors include the following:- (B) ÊxɨxÉʱÉÊJÉiÉ ¨Éå ºÉä |ÉiªÉäEò EòÉ BEò |ÉÊiÉÊxÉÊvÉ : (a) A representative each of: ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú i) i) Government of India (GOI), ii) EòɨÉMÉÉ® Eò¨ÉÇSÉÉ®úÒ (´ÉiÉǨÉÉxÉ ¨Éå {Énù Ê®úHò ½èþ)ú ii) Workmen Employees (Post presently lying vacant), iii) +ÊvÉEòÉ®úÒ Eò¨ÉÇSÉÉ®úÒ (´ÉiÉǨÉÉxÉ ¨Éå {Énù Ê®úHò ½èþ) iii) Officer Employees (Post presently lying vacant). (¤ÉÒ) ´ÉÉÊhÉÎVªÉEò ¤ÉéEòÉå Eäò Ê´ÉÊxɪɨÉxÉ +lÉ´ÉÉ {ɪÉÇ´ÉäIÉhÉ Eäò ¨ÉɨɱÉÉå Eäò ºÉƤÉÆvÉ (b) One director possessing necessary expertise and ¨Éå +ɴɶªÉEò ʴɶÉä¹ÉYÉiÉÉ +Éè®ú +xÉÖ¦É´É ®úJÉxÉä ´ÉɱÉä BEò ÊxÉnäù¶ÉEò EòÉä experience in the matter relating to regulation or supervision ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò EòÒ ºÉƺiÉÖÊiÉ {É®ú Eäòxpù ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ of commercial bank, to be nominated by the Central Govt. ÊEòªÉÉ VÉÉiÉÉ ½èþ* on the recommendation of RBI. (ºÉÒ) iÉÒxÉ º´ÉiÉÆjÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò c) Three Independent Shareholder Directors. (b÷Ò) ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú uùÉ®úÉ ÊxɪÉÖHò ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ÊxÉnäù¶ÉEò(´ÉiÉǨÉÉxÉ ¨Éå d) One Chartered Accountant Director appointed by {Énù Ê®úHò ½èþ) Government of India (Post presently lying vacant). (<Ç) iÉÒxÉ +ƶÉEòÉʱÉEò MÉè®ú-ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò (´ÉiÉǨÉÉxÉ ¨Éå BEò {Énù Ê®úHò e) Three part-time Non-Official Directors (One post presently ½èþ) vacant). 2.2. ¤ÉÉäbÇ÷ EòÒ ºÉʨÉÊiɪÉÉÄ : 2.2 Committees of Board:

¤ÉÉäbÇ÷ xÉä ÊxɨxÉÉxÉÖºÉÉ®ú Ê´ÉʦÉzÉ ºÉʨÉÊiɪÉÉå EòÉ MÉ`öxÉ ÊEòªÉÉ ½èþ VÉÉä ¤ÉéEò Eäò EÖòUô The Board has constituted various committees as mentioned ¨É½þi´É{ÉÚhÉÇ EòɪÉÉÇi¨ÉEò IÉäjÉÉå ¨Éå ʴɶÉä¹É B´ÉÆ ºÉÆEäòÎxpùiÉ MÉ´ÉxÉçääxºÉ |ÉnùÉxÉ Eò®úiÉÒ ½éþ hereunder for specific and focussed approach towards 120 B´ÉÆ ¤ÉéEò Eäò ¨ÉɨɱÉÉå ¨Éå ºÉ¨ÉÖÊSÉiÉ Ênù¶ÉÉÊxÉnæù¶É näùiÉÒ ½éþ, EòÉ®úMÉ®ú ¨ÉÉÊxÉ]õË®úMÉ governance of some of the important functional areas of the +Éè®ú ÊxɪÉÆjÉhÉ Eò®úiÉÒ ½éþ :- Bank, for providing proper direction, effective monitoring and controlling the affairs of the Bank :-

¤ÉÉäb÷Çú EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ (B¨ÉºÉÒ¤ÉÒ+Éäb÷Ò) Management Committee of the Board (MCBOD) ¤ÉÉäb÷Çú EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ (BºÉÒ¤ÉÒ) Audit Committee of the Board (ACB) VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ (+É®úB¨ÉºÉÒ) Risk Management Committee (RMC) ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ ÊxÉnä¶ÉEòÉå EòÒ ºÉʨÉÊiÉ (ºÉÒ+ÉäbÒ) [{ÉÚ´ÉÇ ¨Éå ÊxÉnäù¶ÉEòÉå Committee of Directors (COD) on Vigilance [previously EòÒ {ÉnùÉäzÉÊiÉ ºÉʨÉÊiÉ (b÷Ò{ÉÒºÉÒ) Eäò °{É ¨Éå YÉÉiÉ] known as Directors' Promotion Committee (DPC)] ʽþiÉúvÉÉ®úEò ºÉƤÉÆvÉ ºÉʨÉÊiÉ (BºÉ+É®úºÉÒ) Stakeholders' Relationship Committee (SRC) +É<Ç]Ò ®hÉxÉÒÊiÉ +Éè® ÊbVÉÒ]±É ¦ÉÖMÉiÉÉxÉ ºÉÆ´ÉvÉÇxÉ ºÉʨÉÊiÉ(+É<Ç]õÒ ºÉʨÉÊiÉ) IT Strategy & Digital Payment Promotion Committee (IT [{ÉÚ´ÉÇ ¨Éå ºÉÚSÉxÉÉ |ÉÉètÉäÊMÉEòÒ ºÉʨÉÊiÉ (+É<Ç]õÒ ºÉʨÉÊiÉ) Eäò °ü{É ¨Éå YÉÉiÉ] Com.) [Previously known as IT Committee (IT Com.)] vÉÉäJÉÉvÉc÷Ò ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ (B¡òB¨ÉºÉÒ) Fraud Monitoring Committee (FMC) OÉɽþEò ºÉä´ÉÉ ºÉʨÉÊiÉ (ºÉÒBºÉºÉÒ) Customer Service Committee (CSC) {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ ({ÉÊ®ú.ºÉʨÉ) Remuneration Committee (Remu. Com.) xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ (xÉɨÉÉÆ. ºÉʨÉ) Nomination Committee ( Nom. Com.) ¶ÉäªÉ®ú ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ºÉʨÉÊiÉ (BºÉ+É<ÇBºÉÒ) Share Issue and Allotment Committee (SIAC) @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ (ºÉÒBºÉÒ) Credit Approval Committee (CAC) ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ (+É®úºÉÒ¤ÉÒ) Recovery Committee (RCB) ÊxÉ´ÉÉÇSÉxÉ ºÉʨÉÊiÉ (<ǺÉÒ¤ÉÒ) Election Committee (ECB) BSÉ+É® ºÉƤÉÆvÉÒ º]ÒªÉË®MÉ ºÉʨÉÊiÉ [{ÉÚ´ÉÇ ¨Éå ¤ÉÉäbÇ÷÷ EòÒ BSÉ+É®ú ºÉʨÉÊiÉ Steering Committee on HR (HR Comm.) [previously (BSÉ+É®ú ºÉʨÉÊiÉ) Eäò ° {É ¨Éå YÉÉiÉ] known as HR Committee of the Board (HR Com.)] <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ (b÷¤±ªÉÚb÷Ò+É®úºÉÒ) Willful Defaulters Review Committee (WDRC)

2.3 ¤ÉÉäbÇ÷ Eäò nùÉʪÉi´ÉÉå ¨Éå xÉÒÊiɪÉÉå EòÉ ÊxÉvÉÉÇ®úhÉ, xÉ<Ç {ɽþ±É, EòɪÉÇÊxɹ{ÉÉnùxÉ 2.3 The responsibilities of the Board include formulation of ºÉ¨ÉÒIÉÉ iÉlÉÉ ÊxɪÉÆjÉhÉ B´ÉÆ ¤ÉéEò Eäò Ê´ÉʦÉzÉ EòɪÉÉÇÊvÉEòÉÊ®úªÉÉå EòÉä |ÉiªÉɪÉÉäÊVÉiÉ policies, new initiatives, performance review and control +ÊvÉEòÉ®úÉå Eäò ¤Éɽþ®ú {Éc÷xÉä ´ÉɱÉä ¨ÉɨɱÉÉå EòÒ ºÉƺ´ÉÒEÞòÊiÉ ¶ÉÉÊ¨É±É ½èþ* and sanction of cases falling beyond the powers ¤ÉÉäbÇ÷ xÉä Ê´ÉʦÉzÉ ºÉʨÉÊiɪÉÉå EòÉ MÉ`ööööxÉ ÊEòªÉÉ ½èþ iÉlÉÉ Ê´ÉʦÉzÉ EòɪÉÉÇi¨ÉEò delegated to various functionaries of the Bank. The Board has constituted various committees and delegated powers IÉäjÉÉå ¨Éå +ÊvÉEòÉ®úÉå EòÉ |ÉiªÉɪÉÉäVÉxÉ ÊEòªÉÉ ½èþ* for different functional areas.

2.4 ¤ÉÉäbÇ÷ iÉlÉÉ =ºÉEòÒ ºÉʨÉÊiɪÉÉÄ +É´ÉÊvÉEò +ÆiÉ®úɱÉÉå {É®ú ¤Éè`öööEåò Eò®úiÉÒ ½éþ 2.4 The Board and its committees meet at frequent intervals +Éè®ú ¤ÉéEò EòÉä <ºÉEäò =qäù¶ªÉÉå EòÉä Ê´É´ÉäEò{ÉÚhÉÇ B´ÉÆ EòÉ®úMÉ®ú fÆøMÉ ºÉä |ÉÉ{iÉ and guide the Bank to achieve its objectives in a prudent Eò®úxÉä ½äþiÉÖ ¨ÉÉMÉnù¶ÉÇxÉ näùiÉÒ ½éþ ÊVɺɺÉä xÉèÊiÉEò {ÉÊ®ú{ÉÉÊ]õªÉÉå +Éè®ú ´ªÉɴɺÉÉʪÉEò and efficient manner and to ensure high standards of |ɤÉÆvÉxÉ Eäò ¨ÉÉvªÉ¨É ºÉä EòɪÉÇÊxɹ{ÉÉnùxÉ EòÉ =SSÉ ¨ÉÉxÉEò ºÉÖÊxÉζSÉiÉ ÊEòªÉÉ performance through ethical practices and professional VÉÉ ºÉEäò* management. 2.5 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ÊxÉnäù¶ÉEò ¨ÉÆb÷±É EòÉ MÉ`öxÉ ÊxɨxÉ´ÉiÉ 2.5 The composition of the Board of Directors as on ½èþ:- 31.03.2018 was as under:

Gò. xÉÉ¨É {ÉnùxÉÉ¨É ÊxɪÉÖÊHò/xÉɨÉÉÆEòxÉ ¤ÉéEò Eäò ¤ÉÉäbÇ÷ ºiÉ®úÒªÉ +xªÉ ¤ÉÉäbÇ÷ +Éè® vÉÉÊ®úiÉ ¶ÉäªÉ®úÉå EòÒ ºÉÆ. EòÒ ÊiÉÊlÉ ºÉʨÉÊiɪÉúÉå EòÒ ºÉnùºªÉiÉÉ ºÉʨÉÊiɪÉúÉå EòÒ ºÉnùºªÉiÉÉ ºÉÆJªÉÉ Sl. Name Designation Date of Membership of Membership No. of No. Appointment/ Bank's Board of other Board Shares Nomination Level and held Committees Committees 1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ B¨ÉºÉÒ¤ÉÒ, +É®úB¨ÉºÉÒ, 6600 B¡òB¨ÉºÉÒ, +É<Ç]õÒ ºÉʨÉÊiÉ, Smt. Usha Managing Director & CEO 06.05.2017 ºÉÒBºÉºÉÒ, ºÉÒ+Éäb÷Ò, ºÉÒBºÉÒ, Ananthasubramanian b÷¤±ªÉÚb÷Ò+É®úºÉÒ, BSÉ+É®ú ºÉʨÉÊiÉ ´É BºÉ+É<ÇBºÉÒ MCB, RMC,FMC, IT Comm, CSC, COD, CAC, RCB, ECB, WDRC, HR Comm. & SIAC

121 Gò. xÉÉ¨É {ÉnùxÉÉ¨É ÊxɪÉÖÊHò/xÉɨÉÉÆEòxÉ ¤ÉéEò Eäò ¤ÉÉäbÇ÷ ºiÉ®úÒªÉ +xªÉ ¤ÉÉäbÇ÷ +Éè® vÉÉÊ®úiÉ ¶ÉäªÉ®úÉå EòÒ ºÉÆ. EòÒ ÊiÉÊlÉ ºÉʨÉÊiÉ EòÒ ºÉnùºªÉiÉÉ ºÉʨÉÊiɪÉúÉå EòÒ ºÉnùºªÉiÉÉ ºÉÆJªÉÉ Sl. Name Designation Date of Membership of Membership No. of No. Appointment/ Bank's Board of other Board Shares Nomination Level and held Committees Committees B¨ÉºÉÒ¤ÉÒ, +É®úB¨ÉºÉÒ, ¨Éä. ªÉÖÊxɴɺÉÇ±É 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 6550 BºÉ+É®úºÉÒ, +É<Ç]õÒ ºÉÉä¨{ÉÉä VÉxÉ®±É Shri N.K. Sahoo Executive Director 12.03.2015 ºÉʨÉÊiÉ,ºÉÒBºÉºÉÒ, <ƶªÉÉä®åºÉ EÆò. ºÉÒBºÉÒ +É®úºÉÒ¤ÉÒ, ʱÉ. - ÊxÉnä¶ÉEò <ǺÉÒ¤ÉÒ,BSÉ+É®ú ºÉʨÉÊiÉ ´É BºÉ+É<ÇBºÉÒ M/s Universal MCB, RMC, Sompo General SRC,IT Comm, Insurance Co. CSC, CAC, Ltd. - Director RCB, ECB, HR Comm. & SIAC 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò® EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò B¨ÉºÉÒ¤ÉÒ, BºÉÒ¤ÉÒ, ¶ÉÚxªÉ 6550 +É®úB¨ÉºÉÒ, BºÉ+É®úºÉÒ, Shri S. Harisankar Executive Director 18.02.2017+É<Ç]õÒ ºÉʨÉ., ºÉÒBºÉºÉÒ, Nil ºÉÒBºÉÒ, +É®úºÉÒ¤ÉÒ, <ǺÉÒ¤ÉÒ, BSÉ+É®ú ºÉʨÉÊiÉ ´É BºÉ+É<ÇBºÉÒ MCB, ACB, RMC, SRC, IT Comm, CSC,CAC, RCB, ECB, HR Comm. & SIAC 4. ¸ÉÒ ®ÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò BºÉÒ¤ÉÒ, B¡òB¨ÉºÉÒ, ºÉÒ+ÉäbÒ, {ÉÊ®ú.ºÉʨÉ., ¶ÉÚxªÉ ¶ÉÚxªÉ Shri Rajeev Ranjan Government Nominee Director 17.08.2017 xÉɨÉÉÆEòxÉ ºÉʨÉ., +É®úºÉÒ¤ÉÒ B´ÉÆ BSÉ+É®ú ºÉʨÉÊiÉ Nil Nil ACB, FMC, COD, Remu. Comm., Nom. Comm., RCB & HR Comm.

5. ¸ÉÒ Ê´É´ÉäEò nùÒ{É ¦ÉÉ.Ê®.ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò B¨ÉºÉÒ¤ÉÒ, BºÉÒ¤ÉÒ, ¶ÉÚxªÉ ¶ÉÚxªÉ Shri Vivek Deep RBI Nominee Director 06.12.2016 ºÉÒ+Éäb÷Ò, {ÉÊ®ú.ºÉʨÉÊiÉ Nil Nil

MCB, ACB, COD, Remu. Comm.

B¡òB¨ÉºÉÒ.BºÉ+É®ºÉÒ. 6. ¸ÉÒ ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇ +ƶÉEòÉʱÉEò MÉè®ú-ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò ¶ÉÚxªÉ ¶ÉÚxªÉ ºÉÒBºÉºÉÒ. xÉɨÉÉÆ.ºÉʨÉ., Shri Radha R. Part Time Non-Official Director 28.01.2016 BºÉ+É<ÇBºÉÒ, {ÉÊ®.ºÉʨÉ. Sharma +Éè® <ǺÉÒ´ÉÒ. Nil Nil FMC, SRC, CSC, Nom. Comm. SIAC. Remu. Com. & ECB BºÉÒ¤ÉÒ, b¤±ªÉÚbÒ+É®ºÉÒ, 7. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú-ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò ¶ÉÚxªÉ ¶ÉÚxªÉ , . ., Shri Gautam Guha Part Time Non-Official Director 25.04.2016 B¡òB¨ÉºÉÒ xÉɨÉÉÆ ºÉ欃 BºÉ+É<ÇBºÉÒ +Éè® +É<Ç]Ò ºÉʨÉ. Nil Nil ACB, WDRC, FMC, Nom. Comm., SIAC & IT Comm.

122 Gò. xÉÉ¨É {ÉnùxÉÉ¨É ÊxɪÉÖÊHò/xÉɨÉÉÆEòxÉ ¤ÉéEò Eäò ¤ÉÉäbÇ÷ ºiÉ®úÒªÉ +xªÉ ¤ÉÉäbÇ÷ +Éè® vÉÉÊ®úiÉ ¶ÉäªÉ®úÉå EòÒ ºÉÆ. EòÒ ÊiÉÊlÉ ºÉʨÉÊiÉ EòÒ ºÉnùºªÉiÉÉ ºÉʨÉÊiɪÉúÉå EòÒ ºÉnùºªÉiÉÉ ºÉÆJªÉÉ Sl. Name Designation Date of Membership of Membership No. of No. Appointment/ Bank's Board of other Board Shares Nomination Level and held Committees Committees 1. ʽxnÖºiÉÉxÉ 8. b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò BºÉÒ¤ÉÒ, BºÉ+É®ºÉÒ, +É®B¨ÉºÉÒ, B¡òB¨ÉºÉÒ Ê¶É{ɪÉÉbÇ Ê±É. Dr. Bijaya Kumar Sahoo Shareholder Director 22.03.2018 500 B´ÉÆ +É®ºÉÒ¤ÉÒ 2. VÉäBºÉBºÉ ºÉÉ}]´ÉäªÉ® BÆb {ÉÉCºÉÇ Ê±É. ACB, SRC, 3. VÉäBºÉBºÉ +É<Ç]Ò RMC, FMC & ºÉɱªÉÚ¶ÉxºÉ |ÉÉ.ʱÉ. RCB 4. ºÉÉ½Ú |ÉÉäVÉäC]弃 |ÉÉ.ʱÉ. 5. ºÉÆiÉ Ê¶É®bÒ ºÉÉ<È BbªÉÚEäò¶ÉxÉ ºÉÉäºÉÉ<]Ò |ÉÉ.ʱÉ. 6. BºÉ+É®¤ÉÒ ]äCxÉÉä±ÉÉäVÉÒºÉ |ÉÉ.ʱÉ. 1. Hindustan Shipyard Ltd. 2. JSS Software & Parks Pvt. Ltd. 3. JSS IT Solutions Pvt. Ltd. 4. Sahoo Projects Pvt. Ltd. 5. St. Shirdi Sai Education Society Pvt. Ltd. 6. SRB Technologies Pvt. Ltd.

9. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò B¨ÉºÉÒ¤ÉÒ+ÉäbÒ, BºÉ+É®ºÉÒ, OÉäEè ¨{ÉºÉ BbÖ÷]äõEò |ÉÉ. ʱÉ. Shri Sarath Sura Shareholder Director 22.03.2018+É<Ç]Ò ºÉʨÉ., +Éè® ½èþnù®úɤÉÉnù 100 b¤±ªÉÚbÒ+É®ºÉÒ Greycampus Edutech Pvt. Ltd., Hyderabad. MCBOD, SRC, IT-Comm., & WDRC

10. ¸ÉÒ {ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É ¶ÉäªÉ®úvÉÉ®úEòò ÊxÉnäù¶ÉEò B¨ÉºÉÒ¤ÉÒ+ÉäbÒ, ¶ÉÚxªÉ Shri Parthapratim Pal Shareholder Director 22.03.2018+É®B¨ÉºÉÒ, ºÉÒBºÉºÉÒ 100 +Éè® +É<Ç]Ò ºÉʨÉ. MCBOD, Nil RMC, CSC & IT Comm. xÉÉä]õ : Note:

(i) ¤ÉÉäbÇ÷ EòÉ EòÉä<Ç ¦ÉÒ ÊxÉnäù¶ÉEò 10 ºÉä +ÊvÉEò ºÉʨÉÊiɪÉÉå +lÉÉÇiÉ ±ÉäJÉÉ{É®úÒIÉÉ (i) None of the directors on the Board is member in more ºÉʨÉÊiÉ +Éè® Ê½þiÉvÉÉ®úEò ºÉƤÉÆvÉ ºÉʨÉÊiÉ Eäò ºÉnùºªÉ xɽþÓ ½èþ +lÉ´ÉÉ =xÉ than 10 committees namely Audit Committee and ºÉ¨ÉºiÉ EÆò{ÉÊxɪÉÉå ¨Éå, ÊVÉxÉEäò ´Éä ÊxÉnäù¶ÉEò ½éþ, ¨Éå 5 ºÉä +ÊvÉEò ºÉʨÉÊiɪÉÉå Stakeholders' Relationship Committee or act as Chairman +lÉÉÇiÉ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ +Éè® Ê½þiÉvÉÉ®úEò ºÉƤÉÆvÉ ºÉʨÉÊiÉ ºÉʨÉÊiɪÉÉå of more than 5 Committees namely Audit Committee and Eäò +vªÉIÉ Eäò °ü{É ¨Éå EòɪÉÇ xɽþÓ Eò®úiÉä ½éþ* Stakeholders' Relationship Committee across all companies in which he/she is a director.

(ii) EòÉä<Ç ¦ÉÒ ÊxÉnäù¶ÉEò BEò nÚùºÉ®äú EòÉ Ê®ú¶iÉänùÉ®ú xɽþÓ ½èþþ* (ii) None of the Directors is relative of each other.

2.6. Ê´ÉkÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò Eäò |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ 2.6 The profiles of the Managing Director & CEO of the EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ (06.05.2017 EòÉä EòɪÉǦÉÉ®ú OɽþhÉ) +Éè®ú Bank (assumed office on 06.05.2017) and the directors ñ¤ÉéEò Eäò ÊxÉnäù¶ÉEò ¨ÉÆb÷±É uùÉ®úÉ ÊxɪÉÖHò/xÉÉʨÉiÉ ÊxÉnäù¶ÉEò EòÉ ¤ªÉÉè®úÉ B´ÉÆ who were appointed/nominated on the Board of the Bank EòɪÉǦÉÉ®ú OɽþhÉ Eò®úxÉä ´ÉɱÉä ÊxÉnäù¶ÉE EòÉ Ê´É´É®úhÉ xÉÒSÉä ÊnùªÉÉ MɪÉÉ ½éþ* and assumed office during the financial year 2017-18 are furnished hereunder: 123 2.6.1¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ, |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò 2.6.1 Smt. Usha Ananthasubramanian, Managing Director +ÊvÉEòÉ®úÒ & CEO ¤ÉéEò ¨Éå EòɪÉÇOɽþhÉ Eò®úxÉä ºÉä {ÉÚ´ÉÇ ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ 14 Prior to joining the Bank, Smt. Usha +MɺiÉ, 2015 ºÉä {ÉÆVÉÉ¤É xÉä¶ÉxÉ±É ¤ÉéEò ¨Éå þ|ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ Anathasubramanian was MD & CEO of Punjab National EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ lÉÓ ´É½ {ÉÚ´ÉÇ´ÉiÉÔ ¦ÉÉ®úiÉÒªÉ ¨Éʽþ±ÉÉ ¤ÉéEò ¨Éå +vªÉIÉ Bank since 14.08.2015. She was Chairman & Managing B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò ¦ÉÒ lÉÓ* VÉÖ±ÉÉ<Ç 2011 ºÉä xɴɨ¤É®ú 2013 EòÒ Director of erstwhile Bharatiya Mahila Bank also. Smt. Usha Anathasubramanian was the Executive +´ÉÊvÉ Eäò nùÉè®úÉxÉ ´É½þ {ÉÆVÉÉ¤É xÉä¶ÉxÉ±É ¤ÉéEò ¨Éå EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Director of Punjab National Bank from July 2011 to lÉÓ* ´É½þ ¨Éʽþ±ÉÉ ºÉÆEåòÊpùiÉ ¤ÉéEò EòÒ ºlÉÉ{ÉxÉÉ EòÒ |ÉÊGòªÉÉ Eäò ºÉ¨Éx´ÉªÉ November 2013. She was the head of the core ½äþiÉÖ Ê´ÉkÉ ¨ÉÆjÉɱɪÉ, ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú uùÉ®úÉ MÉÊ`ööiÉ ¨ÉÖJªÉ |ɤÉÆvÉxÉ nù±É management team constituted by the Ministry of EòÒ |ɨÉÖJÉ lÉÓ* Finance, Govt. of India for co-ordinating the process of formation of a women centric Bank. ¸ÉÒ¨ÉiÉÒ =¹É +xÉxiɺÉÖ¥ÉÀhªÉxÉ ¨ÉpùÉºÉ Ê´É·ÉÊ´ÉtÉ±ÉªÉ ºÉä ºÉÉÆÎJªÉEòÒ ¨Éå Smt. Usha Anathasubramanian holds a Masters' Degree þ¨Éɺ]õ®ú Êb÷OÉÒ +Éè®ú ¨ÉÖ¨¤É<Ç Ê´É·ÉÊ´ÉtÉ±ÉªÉ ºÉä |ÉÉSÉÒxÉ ¦ÉÉ®úiÉÒªÉ ºÉƺEÞòÊiÉ in Statistics from the University of Madras and also a ¨Éå ¨Éɺ]õ®ú Êb÷OÉÒ vÉÉ®úEò ½éþåþ* Masters' Degree in Ancient Indian Culture from University of Mumbai. =x½ÉåxÉä |ÉÊiÉʹ`öiÉ ºÉƺlÉÉ+Éå ¨Éå |ÉʶÉIÉhÉ EòɪÉÇGò¨ÉÉå ¨Éå ¦ÉÉMÉ Ê±ÉªÉÉ She has undergone training programmes at prestigious +lÉÉÇiÉ Eèò±±ÉÉMÉ ºEÚò±É, xÉÉlÉÇ ´Éäº] ªÉÚÊxÉ´ÉʺÉÇ]Ò, ʶÉEòÉMÉÉä, +É<ÇBºÉ¤ÉÒ institutions viz. Kellogg School, North West University, ½èn®É¤ÉÉn =xɨÉå ºÉä EÖòU =ʱ±ÊJÉiÉ ºÉƺlÉÉxÉ ½é* ´É½ +ÆiÉ®®É¹]ÅÒªÉ Chikago, ISB Hyderabad to mention a few. She has ºÉ¨¨Éä±ÉxÉÉå ¨Éå ´ÉCiÉÉ ®½Ó +Éè® EòMÉVÉÉiÉ |ɺiÉÖiÉ ÊEòB* been a speaker at International Conferences and has ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ xÉä 06.05.2017 EòÉä ¤ÉéEò Eäò |ɤÉÆvÉ contributed papers. ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Eäò °ü{É ¨Éå EòɪÉǦÉÉ®ú OɽþhÉ Smt. Usha Anathasubramanian joined the Bank as MD & CEO w.e.f. 06.05.2017. ÊEòªÉÉ* 2.6.2 ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ, ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò: 2.6.2 Shri Rajeev Ranjan, Govt. Nominee Director ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ 1967 ¤ÉèSÉ Eäò +É<ÇBBºÉ +ÊvÉEòÉ®úÒ ½éþ +Éè®ú =xÉEòÉ Shri Rajeev Ranjan is an lAS officer of 1989 Batch and ±ÉMɦÉMÉ 28 ´É¹ÉÉç EòÉ +xÉÖ¦É´É ½èþ* ´É½þ ¦ÉÚ +ʦɱÉäJÉ +ɪÉÖHò, ¦ÉÉä{ÉɱÉ, has an experience of around 28 years. He has held ÊxÉnäù¶ÉEò-¨ÉÆÊjɨÉÆb÷÷±É ºÉÊSÉ´ÉÉ±ÉªÉ +ÉÊnù VÉèºÉä Ê´ÉʦÉzÉ {ÉnùÉå {É®ú ®ú½äþ ½éþ* various posts as Commissioner of Land Records, ´ÉiÉǨÉÉxÉ ¨Éå ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ´ªÉªÉ ʴɦÉÉMÉ, Ê´ÉkÉ ¨ÉÆjÉÉ±ÉªÉ ¨Éå ºÉƪÉÖHò Bhopal, Director - Cabinet Secretariat etc. At present, ºÉÊSÉ´É Eäò °ü{É ¨Éå {ÉnùºlÉ ½éþ* Shri Rajeev Ranjan is posted as Joint Secretary in Department of Expenditure, Ministry of Finance. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ xÉä 17.08.2017 ºÉä ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ Shri Rajeev Ranjan has joined the Bank's Board as ÊxÉnäù¶ÉEò Eäò °ü{É ¨Éå ¤ÉéEò Eäò ¤ÉÉäbÇ÷ú ¨Éå EòɪÉǦÉÉ®ú OɽþhÉ ÊEòªÉÉ* Government Nominee Director w.e.f. 17.08.2017. 2.6.3 b÷É. ʤÉVÉªÉ EÖò¨ÉÉ® ºÉɽÚþú, ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 2.6.3 Dr. Bijaya Kumar Sahoo, Shareholder Director b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ xÉä 22.03.2018 ºÉä ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Bijaya Kumar Sahoo joined the Bank as Shareholder Eäò °ü{É ¨Éå ¤ÉéEò ¨Éå EòɪÉǦÉÉ®ú OɽþhÉ ÊEòªÉÉ* b÷É. ºÉɽÚþ BEò ºÉxÉnùÒ Director with effect from 22.03.2018. Dr. Sahoo is a ±ÉäJÉÉEòÉ®ú, ±ÉÉMÉiÉ ±ÉäJÉÉEòÉ®ú +Éè®ú B¨É¤ÉÒB(¡òÉ

¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ xÉä 22.03.2018 ºÉä ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Eäò °ü{É ¨Éå Shri Sarath Sura joined the Bank as Shareholder ¤ÉéEò ¨Éå EòɪÉǦÉÉ®ú OɽþhÉ ÊEòªÉÉ* BEò =t¨ÉÒ, ¸ÉÒ ºÉÚ®úÉ +É<Ç+É<Ç]õÒ, Director with effect from 22.03.2018. An entrepreneur, Shri Sura is M.Tech from IIT, Kanpur and completed EòÉxÉ{ÉÖ®ú ºÉä B¨É]äõEò ½éþ +Éè®ú =x½þÉåxÉä ʤÉ]ÂõºÉ, Ê{ɱÉÉxÉÒ ºÉä ¤ÉÒ.<Ç.(+ÉxɺÉÇ) his B. E. (Hon.) from BITS, Pilani. He has special {ÉÚ®úÉ ÊEòªÉÉ ½èþ* =x½åþ ¤ÉéEòÉå ºÉʽþiÉ Ê´ÉkÉÒªÉ =tÉäMÉ ¨Éå |ɪÉÖHò ºÉÚSÉxÉÉ knowledge of Information Technology as applied to |ÉÉètÉäÊMÉEòÒ EòÉ Ê´É¶Éä¹É YÉÉxÉ ½èþ* ´É½þ ʺÉB®úÉ B]õ±ÉÉÆÊ]õEò, ¦ÉÉ®úiÉ +Éè®ú Financial Industry including Banks. He is Co-Founder SÉÒxÉ ºÉʽþiÉ ´ÉèÊ·ÉEò {ÉÊ®úSÉɱÉxÉ ´ÉɱÉÒ +OÉhÉÒ ªÉÚBºÉ BSÉCªÉÚ +É<Ç]õÒ and MD of Sierra Atlantic, a leading US HQ IT service company with global operations including India and ºÉÌ´ÉºÉ EÆò{ÉxÉÒ Eäò ºÉ½þ-ºÉƺlÉÉ{ÉEò ½éþ +Éè®ú OÉä Eèò¨{ÉºÉ BäbÖ÷]äõEò |ÉÉ.ʱÉ. China and Principal shareholder and Chairman of Grey Eäò |ÉvÉÉxÉ ¶ÉäªÉ®úvÉÉ®úEò iÉlÉÉ +vªÉIÉ ½éþ* Campus Edutech Pvt. Ltd.

124 2.6.5 b÷Éì. {ÉÉlÉÇ|ÉÊiÉ¨É {ÉɱÉ, ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 2.6.5 Dr. Parthapratim Pal, Shareholder Director b÷Éì. {ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É xÉä 22.03.2018 ºÉä ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Eäò Dr. Parthapratim Pal has joined the Bank as Shareholder °ü{É ¨Éå ¤ÉéEò ¨Éå EòɪÉǦÉÉ®ú OɽþhÉ ÊEòªÉÉ* ´É½þ 2006 ºÉä +É<Ç+É<ÇB¨É Director w.e.f. 22.03.2018. He is professor of Economics in EòÉä±ÉEòÉiÉÉ ¨Éå +lÉǶÉɺjÉ Eäò |ÉÉä¡äòºÉ®ú ½éþ* <ºÉºÉä {ÉÚ´ÉÇ ´É½þ +É<Ç+É<ÇB¡ò]õÒ IIM Calcutta since 2006. Prior to that he was associated with +Éè®ú +É<ǺÉÒ+É®ú+É<Ç<Ç+É®ú ºÉä VÉÖcä÷ lÉä* IIFT and ICRIER. 3. Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ +ɪÉÉäÊVÉiÉ ¤ÉÉäbÇ÷ / ºÉʨÉÊiÉ EòÒ 3. Details of the Board/Committee meeting held during ¤Éèö`öEò EòÉ Ê´É´É®úhÉ : financial year 2017-18: 3.1 ¤Éè`öEòÉå ¨Éå ´ÉiÉǨÉÉxÉ B´ÉÆ Ê{ÉUô±Éä ÊxÉnäù¶ÉEòÉå EòÒ ={ÉʺlÉÊiÉ EòÉ Ê´É´É®úhÉ 3.1 Details of the meetings attended by Present and Past (01.04.2017 ºÉä 31.03.2018):- Directors (from 01.04.2017 to 31.03.2018): GÆò. ÊxÉnäù¶ÉEò EòÉ xÉÉ¨É ¤ÉÉäb÷ÇúB¨ÉºÉÒ¤ÉÒ BºÉÒ¤ÉÒ +É®úB¨ÉºÉÒ ºÉÒ+Éäb÷Ò BºÉ +É®ú +É<Ç]õÒ B¡òB¨ÉºÉÒ ºÉÒBºÉºÉÒ {ÉÊ®±ÉúʤvÉ BºÉ+É<Ç ºÉÒBºÉÒ +É®ú <ǺÉÒ¤ÉÒ xÉɨÉÉ. BSÉ+É®ú b÷÷¤±ªÉÚb÷Ò ºÉÆ. ºÉÒ ºÉʨÉ. ºÉʨÉ. BºÉÒ ºÉÒ¤ÉÒ ºÉʨÉ. ºÉʨÉ. +É®úºÉÒ Sl. IT Remu. Nomn. HR WDRC No. Name of Director BOARD MCB ACB RMC COD# SRC Com. FMC CSC Com. SIAC CAC RCB ECB Com. Com.

1 ¸ÉÒ ®úÉEäò¶É ºÉä`ööÒ Shri Rakesh Sethi* 1 1 0 1 0 0 1 0 0 0 0 4 1 0 0 0 0 2 ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ Smt. Usha 13 14 0 4 1 0 5 3 4 0 2 47 8 0 0 1 8 Ananthasubramanian 3 ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ Shri N. K. Sahoo 13 14 12 5 1 1 5 3 4 0 2 50 9 0 0 1 7 4 ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú Shri S. Harisankar 14 14 12 5 0 1 6 3 4 0 2 49 9 0 0 1 8 5 ¸ÉÒ +ƶÉÖ¨ÉÉxÉú ¶É¨ÉÉÇþ Shri Anshuman Sharma** 1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 6 ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ Shri Rajeev Ranjan 3 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 7 ¸ÉÒ Ê´É´ÉäEò nùÒ{É Shri Vivek Deep 14 15 11 0 1 0 0 0 0 0 0 0 0 0 0 0 0 8 |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇ Prof. Radha R. Sharma 13 5 0 0 0 0 3 2 1 0 1 0 1 0 1 0 6 9 ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ Shri Gautam Guha 14 0 12 2 0 0 3 1 2 0 1 0 0 0 1 0 1 10 b÷Éì. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ Dr. Bijaya Kumar Sahoo 14 0 12 5 0 1 0 2 0 0 0 0 1 0 0 0 0 11 ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ Shri Sarath Sura 13 7 0 0 0 1 6 3 3 0 0 0 5 0 0 0 1 12 ¸ÉÒ {É®ú´ÉÒxÉ EÖò¨ÉÉ®ú UôÉäEò®úÉ Shri Parveen Kumar Chhokra # 115020131100030007 13 b÷Éì. |ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É Dr. Parthapratim Pal 1 1 0 1 0 0 0 0 1 0 0 0 0 0 0 0 0

* 30.04.2017 iÉEò ¤ÉéEò Eäò +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò/Chairman and Managing Director of the Bank upto 30.04.2017 ** 16.08.2017 iÉEò ÊxÉnäù¶ÉEò/Director upto 16.08.2017 (#) {ÉÚ´ÉÇ ¨Éå b÷Ò{ÉÒºÉÒ Eäò °ü{É ¨Éå YÉÉiÉ/Previously known as DPC 125 3.2 ®úɹ]ÅõÒªÉEÞòiÉ ¤ÉéEò (|ɤÉÆvÉxÉ B´ÉÆ |ÉEòÒhÉÇ ={ɤÉÆvÉ) ªÉÉäVÉxÉÉ 1970 Eäò JÉÆb÷ 3.2 During the financial year 2017-18, fourteen (14) Board 12 Eäò +ÆiÉMÉÇiÉ ÊxÉvÉÉÇÊ®úiÉ xªÉÚxÉiÉ¨É Uô½þ ¤Éèö`öEòÉå Eäò ºÉÉ{ÉäIÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ Meetings were held as against requirement of minimum six meetings under clause 12 of Nationalized Bank 2017-18 Eäò nùÉè®úÉxÉ ¤ÉÉäbÇ÷ EòÒ SÉÉènù½þ(14)öþ ¤Éè`öEòå +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç (Management and Miscellaneous Provisions) Scheme, ÊVÉxÉEòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ:- 1970. The details are given below:-

Gò¨É ºÉÆ ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ ¨Éå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl. No. Date of meeting Number of Directors on Board Number of Directors Attended the meeting 1 28.04.2017 10 10 2 17.05.2017 10 8 3 23.06.2017 10 8 4 10.08.2017 10 7 5 11.08.2017 10 9 6 20.09.2017 10 9 7 30.10.2017 10 9 8 10.11.2017 10 9 9 12.12.2017 10 9 10 16.01.2018 10 10 11 02.02.2018 10 9 12 14.02.2018 10 9 13 28.02.2018 10 9 14 22.03.2018 10 9

4. ¤ÉÉäbÇ÷ EòÒ ºÉʨÉÊiɪÉÉÆ : 4. Committees of the Board:

4.1 ¤ÉÉäbÇ÷ EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ : 4.1 Management Committee of the Board: Ê´ÉkÉ ¨ÉÆjÉɱɪÉ, ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò ºÉÉlÉ {ÉÊ`ööiÉ ®úɹ]ÅõÒªÉEÞòiÉ The Management Committee of the Board is constituted as ¤ÉéEò (|ɤÉÆvÉxÉ B´ÉÆ |ÉEòÒhÉÇ |ÉÉ´ÉvÉÉxÉ) ªÉÉäVÉxÉÉ 1970 ªÉlÉɺÉƶÉÉäÊvÉiÉ Eäò +xÉÖºÉÉ®ú per the provisions of Nationalized Bank (Management and Miscellaneous Provisions) Scheme, 1970 as amended, read ¤ÉÉäbÇ÷ EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ MɪÉÉ* ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú ºÉʨÉÊiÉ EòÉ with the directives of the Ministry of Finance, Government of {ÉÖxÉMÉÇ`ööxÉ ÊEòªÉÉ MɪÉÉ* India. The committee is re-constituted from time to time. 4.1.1 ¤ÉÉäbÇ÷ EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.1.1 Composition of the Management Committee of the Board: ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä ¤ÉÉäbÇ÷ EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉÉäHò The members of the Management Committee of the Board ºÉnùºªÉ lÉä :- as on 31.03.2018 were as under:

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri S. Harisankar Executive Director 4. ¸ÉÒ Ê´É´ÉäEò nùÒ{É ¦ÉÉÊ®ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò Shri Vivek Deep RBI Nominee Director 5. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Shri Sarath Sura Shareholder Director 6. b÷Éì. |ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Parthapratim Pal Shareholder Director

126 28.04.2017 EòÉä +ɪÉÉäÊVÉiÉ ºÉʨÉÊiÉ EòÒ {ɽþ±ÉÒ ¤Éè`ööEò EòÒ +vªÉIÉiÉÉ 1st meeting of the Committee held on 28.04.2017 was chaired ¸ÉÒ ®úÉEäò¶É ºÉä`ööÒ, iÉiEòɱÉÒxÉ +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò uùÉ®úÉ EòÒ MÉ<Ç +Éè®ú by Shri Rakesh Sethi, the then Chairman & Managing Director ¶Éä¹É 14 ¤Éè`ööEòÉå EòÒ +vªÉIÉiÉÉ ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ, |ɤÉÆvÉ ÊxÉnäù¶ÉEò and the remaining 14 meetings were chaired by Smt. Usha B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ uùÉ®úÉ EòÒ MÉ<Ç* Ananthasubramanian, Managing Director & CEO. 4.1.2 ¤ÉÉäbÇ÷ EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.1.2 Function of the Management Committee of the Board:

|ɤÉÆvÉxÉ ºÉʨÉÊiÉ EòÉ EòɪÉÇ =SSÉ ¨ÉÚ±ªÉ Eäò @ñhÉ |ɺiÉÉ´ÉÉå EòÒ ºÉƺ´ÉÒEÞòÊiÉ, The function of the Management Committee is to consider ºÉ¨ÉZÉÉèiÉÉ/¤É]Âõ]äõ JÉÉiÉä b÷ɱÉxÉÉ, {ÉÚÆVÉÒMÉiÉ iÉlÉÉ ®úÉVɺ´É ´ªÉªÉ EòÒ ºÉƺ´ÉÒEÞòÊiÉ various business matters of material significance like sanction VÉèºÉä ¨É½þi´É{ÉÚhÉÇ ´ªÉɴɺÉÉʪÉEò ¨ÉɨɱÉÉå {É®ú Ê´ÉSÉÉ®ú Eò®úxÉÉ iÉlÉÉ +vªÉIÉ B´ÉÆ of high value credit proposals, compromise/write off, sanction |ɤÉÆvÉ ÊxÉnäù¶ÉEò/ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ B´ÉÆ EòɪÉÇ{ÉɱÉEò of capital and revenue expenditure and review the exercise of delegated authority by the Chairman and Managing ÊxÉnäù¶ÉEò(EòÉå) EòÉä |ÉiªÉɪÉÉäÊVÉiÉ +ÊvÉEòÉ®ú Eäò ={ɪÉÉäMÉ EòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉÉ ½èþ* Director / Managing Director & CEO and the Executive ºÉʨÉÊiÉ ÊxÉ´Éä¶É ºÉÆʴɦÉÉMÉ, +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉå VÉèºÉä ¨É½þi´É{ÉÚhÉÇ IÉäjÉÉå ¨Éå Director(s). The Committee also reviews the performance of EòɪÉÇÊxɹ{ÉÉnùxÉ iÉlÉÉ ¤ÉÉäbÇ÷ uùÉ®úÉ ºÉʨÉÊiÉ EòÉä ºÉÆnù̦ÉiÉ +xªÉ ¨É½þi´É{ÉÚhÉÇ |ɤÉÆvÉxÉ key areas like investment portfolio, non-performing assets ÊxÉhÉǪÉÉå EòÒ ºÉ¨ÉÒIÉÉ ¦ÉÒ Eò®úiÉÒ ½è* and other important management decisions referred to the Committee by the Board.

4.1.3 ¤Éè`ööEòÉå EòÉ Ê´É´É®úhÉ : 4.1.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ ÊxɨxÉʱÉÊJÉiÉ ÊiÉÊlɪÉÉå EòÉä The Committee met fifteen (15) times during the period from ºÉʨÉÊiÉ EòÒ {ÉÆpù½þ (15)öö ¤ÉÉ®ú ¤Éè`ööEåò +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç :- 01.04.2017 to 31.03.2018 as detailed below:- GÆò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ |ɤÉÆvÉxÉ ºÉʨÉÊiÉ ¨Éäå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl. Date of meeting Number of Directors on the Management Number of Directors No. Committee of Board Attended the meeting

1. 28.04.2017 6 6 2. 23.06.2017 6 5 3. 28.06.2017 5 5 4. 10.08.2017 5 5 5. 29.08.2017 5 5 6. 12.09.2017 5 5 7. 20.09.2017 5 5 8. 30.10.2017 5 5 9. 16.11.2017 5 5 10. 12.12.2017 5 5 11. 26.12.2017 6 4 12. 02.02.2018 6 6 13. 14.02.2018 6 6 14. 28.02.2018 6 5 15. 22.03.2018 6 5

4.2. ¤ÉÉäbÇ÷ EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ (BºÉÒ¤ÉÒ) : 4.2 Audit Committee of the Board (ACB): ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå iÉlÉÉ EòÉ{ÉÉæ®äú]õ MÉ´ÉxÉÆæºÉ Eäò ʺÉrùÉÆiÉÉå Eäò As per the directives of Reserve Bank of India and having +xÉÖºÉÉ®ú ¤ÉéEò xÉä 31.05.1994 EòÉä BEò ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ regard to the fundamentals of Corporate Governance, the Bank originally constituted an Audit Committee on 31.05.1994 ÊEòªÉÉ iÉlÉÉ =ºÉä ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú {ÉÖxÉMÉÇÊ`ööiÉ ÊEòªÉÉ* and reconstituted the same from time to time.

127 4.2.1 ¤ÉÉäbÇ÷ EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ : 4.2.1 Composition of the Audit Committee of the Board:

ªÉlÉÉκlÉÊiÉ 31.03.2017 EòÉä ¤ÉÉäbÇ÷ EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉÉäHò The member of the Audit Committee of the Board, as on ºÉnùºªÉ lÉä:- 31.03.2018 were as under:-

1. b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ (ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú) ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò B´ÉÆ BºÉÒ¤ÉÒ Eäò +vªÉIÉ Dr. Bijaya Kr. Sahoo (Chartered Accountant) Shareholder Director & Chairman of the ACB 2. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®úþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò +Éè®ú ÊxÉ®úÒIÉhÉ B´ÉÆ ±ÉäJÉÉ{É®úÒIÉhÉ Eäò |ɦÉÉ®úÒ Shri S. Harisankar Executive Director & in-charge of inspection & audit 3. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò Shri Rajeev Ranjan Government Nominee Director 4. ¸ÉÒ Ê´É´ÉäEò nùÒ{É ¦ÉÉÊ®ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò Shri Vivek Deep RBI Nominee Director 5. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò Shri Gautam Guha Part Time Non-Official Director b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ, ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò +Éè®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® EòÉäú ú Dr. Bijaya Kr. Sahoo, Shareholder Director & Chartered ÊxÉnäù¶ÉEò ¨ÉÆb÷±É uùÉ®úÉ 24.12.2016 ºÉä 03.03.2018 iÉEò ºÉä BºÉÒ¤ÉÒ Eäò Accountant was nominated to the ACB as Chairman by the +vªÉIÉ Eäò °ü{É ¨Éå xÉÉʨÉiÉ ÊEòªÉÉ MɪÉÉ lÉÉ +Éè®ú {ÉÖxÉ: 22.03.2018 ºÉä Board of Directors w.e.f. 24.12.2016 till 03.03.2018 and again ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Eäò °ü{É ¨Éå =xÉEäò ÊxÉ´ÉÉÇSÉxÉ Eäò ¤ÉÉnù 22.03.2018 ºÉä nominated to the ACB as Chairman w.e.f. 22.03.2018 after his election as Shareholder Director w.e.f. 22.03.2018 as BºÉÒ¤ÉÒ Eäò +vªÉIÉ Eäò °ü{É ¨Éå xÉÉʨÉiÉ ÊEòªÉÉ MɪÉÉ CªÉÉåÊEò =xÉEäò +±ÉÉ´ÉÉ ¤ÉéEò there is no chartered accountant on the Board of the Bank Eäò ¤ÉÉbÇ÷ ¨Éå EòÉä<Ç ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú xɽþÓ ½èþ* except him. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò ÊnùxÉÉÆEò 24 ʺÉiɨ¤É®ú 2015 Eä ò{ÉjÉÉÆEò +É®ú¤ÉÒ+É<Ç/ In terms of RBI guidelines vide RBI/2016-17/181 2015-16/181 b÷Ò¤ÉÒBºÉ.¤ÉÒºÉÒ 4/08.91.020/2015-16Ênù¶ÉÉÊxÉnæù¶ÉÉå DBS.ARC.BC 4/ 08.91.020/2016-17 dated 24th September, Eäò +xÉÖºÉÉ®ú ¸ÉÒ BxÉ.Eäò.ºÉɽÚþ, EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòÉä BºÉÒ¤ÉÒ EòÒ ¤Éè`öööEò ¨Éå 2015, Shri N. K. Sahoo, Executive Director is invited to ACB, iɦÉÒ +ɨÉÆÊjÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ VÉ¤É =xÉEäò EòɪÉÇIÉäjÉ ºÉä ºÉƤÉÆÊvÉiÉ EòɪÉǺÉÚSÉÒ only if any agenda belonging to his domain is to be discussed ¨Énù {É®ú ¤Éè`ööEò ¨Éå SÉSÉÉÇ EòÒ VÉÉxÉÒ ½þÉä* in that particular ACB meeting.

4.2.2 ¤ÉÉäbÇ÷ EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.2.2 Function of the Audit Committee of the Board:

±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ EòÉ EòɪÉÇ +xªÉ ¤ÉÉiÉÉå Eäò ºÉÉlÉ ºÉÉlÉ ¤ÉéEò EòÒ Ê´ÉkÉÒªÉ The function of Audit Committee inter alia includes assessing Ê®ú{ÉÉäÍ]õMÉ |ÉhÉɱÉÒ EòÉ ¨ÉÚ±ªÉÉÆEòxÉ B´ÉÆ =ºÉEòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉÉ ½èþ iÉÉÊEò Ê´É´É®úhÉÉå and reviewing the financial reporting system of the Bank so EòÒ ºÉiªÉiÉÉ, {ɪÉÉÇ{iÉiÉÉ B´ÉÆ Ê´É·ÉºÉxÉÒªÉiÉÉ ºÉÖÊxÉζSÉiÉ ½þÉä ºÉEäò* ¤ÉÉäbÇ÷ Eäò as to ensure that the financial statements are correct, ºÉ¨ÉIÉ |ɺiÉÖiÉ ÊEòB VÉÉxÉä ºÉä {ɽþ±Éä ºÉʨÉÊiÉ |ɤÉÆvÉxÉ Eäò ºÉÉlÉ ´ÉÉ̹ÉEò Ê´ÉkÉÒªÉ sufficient and credible. It reviews with the management the {ÉÊ®úhÉɨÉÉå EòÒ ºÉ¨ÉÒIÉÉ Eò®úiÉÒ ½èþ* annual financial statements before their submission to the Board.

±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ ÊxÉùnäù¶É ¦ÉÒ näùiÉÒ ½èþ iÉlÉÉ ¤ÉéEò Eäò +ÆiÉMÉÇiÉ ºÉÆMÉ`ööxÉ, The Audit Committee provides direction and oversees the {ÉÊ®úSÉɱÉxÉ, EòɪÉÇÊxɹ{ÉÉnùxÉ, º´ÉiÉÆjÉiÉÉ, EòÉ®úMÉ®úiÉÉ iÉlÉÉ +ÉÆiÉÊ®úEò ±ÉäJÉÉ{É®úÒIÉÉ operations of total audit function of the Bank including the +Éè®ú ÊxÉ®úÒIÉhÉ EòÒ MÉÖhÉ´ÉkÉÉ ÊxɪÉÆjÉhÉ ºÉʽþiÉ ¤ÉéEò Eäò ºÉ¨ÉºiÉ ±ÉäJÉÉ{É®úÒIÉÉ organization, operation, performance, independence, EòɪÉÇ Eäò {ÉÊ®úSÉɱÉxÉ EòÉ {ɪÉÇú´ÉäIÉhÉ Eò®úiÉÒ ½èþ iÉlÉÉ ¤ÉéEò EòÒ ºÉÉÆÊ´ÉÊvÉEò/¤ÉÉÁ effectiveness and quality control of internal audit and ±ÉäJÉÉ{É®úÒIÉÉ B´ÉÆ ¦ÉÉÊ®ú¤ÉéEò Eäò ÊxÉ®úÒIÉhÉÉå {É®ú +xÉÖ´ÉiÉÔ EòÉ®Çú´ÉÉ<Ç Eò®úiÉÒ ½èþ* inspection within the Bank, follow up on the Statutory/External audit of the Bank and RBI inspections.

ºÉʨÉÊiÉ +ÉÆiÉÊ®úEò ÊxɪÉÆjÉhÉ |ÉhÉɱÉÒ EòÒ {ɪÉÉÇ{iÉiÉÉ, +ÉÆiÉÊ®úEò ±ÉäJÉÉ{É®úÒIÉÉ The Committee also reviews the adequacy of internal control ʴɦÉÉMÉ EòÒ ºÉÆ®úSÉxÉÉ, <ºÉEäò º]õÉË¡òMÉ {Éè]õxÉÇ EòÒ ºÉ¨ÉÒIÉÉ ¦ÉÒ Eò®úiÉÒ ½èþ iÉlÉÉ system, structure of internal audit department, its staffing ÊEòºÉÒ ¨É½þi´É{ÉÚhÉÇ ÊxɹEò¹ÉÇ {É®ú +ÆÉiÉÊ®úEò ±ÉäJÉÉ{É®úÒIÉEòÉå/ÊxÉ®úÒIÉEòÉå Eäò ºÉÉlÉ pattern and discussion with the internal auditors/Inspectors Ê´ÉSÉÉ®-úʴɨɶÉÇ +Éè®úú =xÉ {É®ú +xÉÖ´ÉiÉÔ EòÉ®Çú´ÉÉ<Ç Eò®úiÉÒ ½èþ* <ºÉEäò +ÊiÉÊ®úHò on any significant finding and follow-up action thereon. It ªÉ½þ ¤ÉéEò EòÒ Ê´ÉkÉÒªÉ B´ÉÆ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ xÉÒÊiɪÉÉå EòÒ ¦ÉÒ ºÉ¨ÉÒIÉÉ Eò®úiÉÒ ½èþ* further reviews the financial and risk management policies of the Bank.

±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ +ÉÆiÉÊ®úEò Ê´ÉkÉÒªÉ ÊxɪÉÆjÉhÉ +Éè®ú VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ |ÉhÉɱÉÒ Audit committee evaluates internal financial controls and risk EòÉ ¨ÉÚ±ªÉÉÆEòxÉ Eò®úiÉÒ ½èþ* ªÉ½þ ¤ÉéEò Eäò ´½þÒºÉ±É ¤±ÉÉä+®ú iÉÆjÉ EòÒ ºÉ¨ÉÒIÉÉ ¦ÉÒ management system. It also reviews Whistle Blower Eò®úiÉÒ ½èþ* mechanism of the Bank.

ºÉÉÆÊ´ÉÊvÉEò ±ÉäJÉÉ{É®úÒIÉÉ Eäò ¨ÉɨɱÉä ¨Éå, ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ ´ÉÉ̹ÉEò/ÊiɨÉɽþÒ Regarding Statutory Audit, the Audit Committee interacts with Ê´ÉkÉÒªÉ ±ÉäJÉÉ+Éå +Éè®ú Ê®ú{ÉÉä]õÉç EòÉä +ÆÊiÉ¨É °ü{É näùxÉä ºÉä {ɽþ±Éä ºÉÉÆÊ´ÉÊvÉEò the Statutory Central Auditors before finalization of Annual/ 128 EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEòÉå Eäò ºÉÉlÉ Ê´ÉSÉÉ®ú-ʴɨɶÉÇ Eò®úiÉÒ ½èþ* ªÉ½þ ±ÉÉÄMÉ ¡òÉì¨ÉÇ Quarterly Financial Accounts and Reports. It also follows up ±ÉäJÉÉ{É®úÒIÉÉ Ê®ú{ÉÉä]Çõ (B±ÉB¡òB+É®ú) ¨Éå =`ööÉB MÉB Ê´ÉʦÉzÉ ¨ÉÖqùÉå {É®ú +xÉÖ´ÉiÉÔ on various issues raised in the Long Form Audit Report EòÉ®Çú´ÉÉ<Ç ¦ÉÒ Eò®úiÉÒ ½èþ* (LFAR).

4.2.3 ¤Éè`ööEòÉå EòÉ Ê´É´É®úhÉ : 4.2.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ ÊxɨxÉʱÉÊJÉiÉ ÊiÉÊlɪÉÉå EòÉä ¤ÉÉäbÇ÷ During the period from 01.04.2017 to 31.03.2018, twelve EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ EòÒ ÊxɨxÉÉxÉÖºÉÉ®ú ¤ÉÉ®ú½þ(12)þ ¤Éè`ööEåò +ɪÉÉäÊVÉiÉ EòÒ (12) meetings of the Audit committee of the Board were held MÉ<È:- as detailed below:-

Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ ¨Éäå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of meeting Number of Directors on the Number of Directors Audit Committee of Board attended the meeting 1. 17.05.2017 6 5 2. 23.05.2017 6 4 3. 10.08.2017 6 5 4. 11.08.2017 6 5 5. 29.08.2017 6 5 6. 30.10.2017 6 5 7. 09.11.2017 6 5 8. 10.11.2017 6 6 9. 16.01.2018 6 6 10. 13.02.2018 6 5 11. 14.02.2018 6 5 12. 28.02.2018 6 5

4.3 ¤ÉÉäbÇ÷ EòÒ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ : 4.3 Risk Management Committee of the Board:

¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¨ÉÚ±ÉiÉ: 04 ¨ÉÉSÉÇ, 2003 As per the directives of the Reserve Bank of India, a Risk EòÉä ¤ÉÉäbÇ÷ EòÒ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ MɪÉÉ B´ÉÆ ºÉ¨ÉªÉ-ºÉ¨ÉªÉ Management Committee of the Board was originally constituted on 04.03.2003 and the same has been reconstituted from time {É®ú <ºÉEòÉ {ÉÖxÉMÉÇ`öxÉ ÊEòªÉÉ MɪÉÉ ½èþ* to time.

4.3.1 ¤ÉÉäbÇ÷ EòÒ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ EòÉ MÉö`öxÉ : 4.3.1 Composition of the Risk Management Committee of the Board:

ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä ¤ÉÉäbÇ÷ EòÒ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉÉäHò The members of the Risk Management Committee of the Board ºÉnùºªÉ lÉä :- as on 31.03.2018 were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ BxÉ. Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®úþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri S. Harisankar Executive Director 4. b÷Éì. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Bijaya Kumar Sahoo Shareholder Director 5. b÷Éì. |ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Parthapratim Pal Shareholder Director

129 28.04.2017 EòÉä +ɪÉÉäÊVÉiÉ ºÉʨÉÊiÉ EòÒ {ɽþ±ÉÒ ¤Éè`ööEò EòÒ +vªÉIÉiÉÉ 1st meeting of the Committee held on 28.04.2017 was chaired ¸ÉÒ ®úÉEäò¶É ºÉä`ööÒ, iÉiEòɱÉÒxÉ +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò uùÉ®úÉ EòÒ MÉ<Ç +Éè®ú by Shri Rakesh Sethi, the then Chairman & Managing Director and the remaining 4 meetings were chaired by Smt. Usha ¶Éä¹É 4 ¤Éè`ööEòÉå EòÒ +vªÉIÉiÉÉ ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ, |ɤÉÆvÉ ÊxÉnäù¶ÉEò Ananthasubramanian, Managing Director & CEO. B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ uùÉ®úÉ EòÒ MÉ<Ç* 4.3.2 ¤ÉÉäbÇ÷ EòÒ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.3.2 Function of Risk Management Committee of the Board:

VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ @ñhÉ, ¤ÉÉVÉÉ®ú +Éè®ú {ÉÊ®úSÉɱÉxÉ VÉÉäÊJÉ¨É ºÉʽþiÉ ¤ÉéEò The Risk Management Committee devises the policy and Eäò Ê´ÉʦÉzÉ VÉÉäÊJÉ¨É ÊxÉ´Éä¶ÉÉå ºÉä ºÉƤÉÆÊvÉiÉ òBEòÒEÞòiÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ½äþiÉÖ xÉÒÊiÉ strategy for integrated risk management pertaining to various iÉlÉÉ ®úhÉxÉÒÊiÉ ÊxÉ°üÊ{ÉiÉ Eò®úiÉÒ ½èþ* risk exposures of the Bank including Credit, Market and Operational Risk.

4.3.3 ¤Éè`öEòÉå EòÉ Ê´É´É®úhÉ : 4.3.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ EòÒ The Committee met five (5) times during the period from SÉÉ®ú ¤Éèö`öEåò +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç ÊVÉxÉEòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ :- 01.04.2017 to 31.03.2018 as detailed below:- Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ ºÉʨÉÊiÉ ¨Éäå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Number of Directors Risk Management Committee of Board. attended the meeting

1. 28.04.2017 5 5 2. 28.06.2017 5 5 3. 20.09.2017 5 5 4. 16.01.2018 5 5 5. 29.03.2018 5 5

4.4 ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ ÊxÉnäù¶ÉEòÉå÷ EòÒ ºÉʨÉÊiÉ(ºÉÒ+ÉäbÒ)) [{ÉÚ´ÉÇ ¨Éå ÊxÉnäù¶ÉEòÉå 4.4 Committee of Directors (COD) on Vigilance [previously known as Directors' Promotion Committee (DPC)]: EòÒ {ÉnùÉäzÉÊiÉ ºÉʨÉÊiÉ (b÷Ò{ÉÒºÉÒ) Eäò °ü{É ¨Éå YÉÉiÉ] ¤ÉéEò xÉä ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú, Ê´ÉkÉ ¨ÉÆjÉÉ±ÉªÉ (¤ÉéËEòMÉ |ɦÉÉMÉ)Eäò ÊxÉnäù¶ÉÉå Eäò +xÉֺɮúhÉ The Bank in pursuance to the directives of Govt. of India, ¨Éå ÊxÉnäù¶ÉE {ÉnùÉäzÉÊiÉ ºÉʨÉÊiÉ EòÉ MÉö`ööxÉ ÊEòªÉÉ ½èþ +Éè®ú <ºÉä ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú Ministry of Finance (Banking Division) constituted Directors Promotion Committee (DPC) and the same has been {ÉÖxÉMÉÇÊö`öiÉ ÊEòªÉÉ MɪÉÉ ½èþ* Ê{ÉUô±ÉÒ ¤ÉÉ®ú <ºÉEòÉ {ÉÖxÉMÉÇ`ööxÉ 10.08.2017 EòÉä reconstituted from time to time. The last time it was ÊEòªÉÉ MɪÉÉ lÉÉ +Éè®ú <ºÉä ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ ÊxÉnäù¶ÉEòÉå÷ EòÒ ºÉʨÉÊiÉ(ºÉÒ+ÉäbÒ) reconstituted w.e.f. 10.08.2017 and renamed as Committee EòÉ xÉÉ¨É ÊnùªÉÉ MɪÉÉ lÉÉ* of Directors (COD) on Vigilance 4.4.1 ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ ÊxÉnäù¶ÉEòÉå÷ EòÒ ºÉʨÉÊiÉ(ºÉÒ+ÉäbÒ) EòÉ MÉ`ööxÉ : 4.4.1 Composition of the Committee of Directors (COD) on Vigilance: ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä ÊxÉnäù¶ÉEòÉå EòÒ {ÉnùÉäzÉÊiÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉÉäHò The members of the Committee of Directors (COD) on ºÉnùºªÉ lÉä :- Vigilance as on 31.03.2018 were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ : |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ 1. Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ : ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 2. Shri Rajeev Ranjan Government Nominee Director 3. ¸ÉÒ Ê´É´ÉäEò nùÒ{É : ¦ÉÉÊ®ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 3. Shri Vivek Deep RBI Nominee Director

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ, ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ, |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ The Committee was chaired by Smt. Usha ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ uùÉ®úÉ EòÒ MÉ<Ç lÉÒþ* Ananthasubramanian, Managing Director & CEO. 4.4.2 ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ ÊxÉnäù¶ÉEòÉå÷ EòÒ ºÉʨÉÊiÉ(ºÉÒ+ÉäbÒ) Eäò EòɪÉÇ : 4.4.2 Function of the Committee of Directors (COD) on Vigilance:

ºÉiÉEÇòiÉÉ ºÉƤÉÆvÉÒ ÊxÉnäù¶ÉEòÉå÷ EòÒ ºÉʨÉÊiÉ(ºÉÒ+ÉäbÒ)) [{ÉÚ´ÉÇ ¨Éå ÊxÉnäù¶ÉEòÉå EòÒ Committee of Directors (COD) on Vigilance [previously known {ÉnùÉäzÉÊiÉ ºÉʨÉÊiÉ (b÷Ò{ÉÒºÉÒ) Eäò °ü{É ¨Éå YÉÉiÉ] EòÉ MÉ`öööxÉ ºÉiÉEÇòiÉÉ B´ÉÆ as Directors' Promotion Committee (DPC)] has been MÉè®ú-ºÉiÉEÇòiÉÉ +xÉÖ¶ÉɺÉÊxÉEò ¨ÉɨɱÉÉå Eäò ÊxÉ{É]õÉxÉ EòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉä B´ÉÆ constituted to review disposal of vigilance and non-vigilance disciplinary cases and other cases of strategic importance in EòÉ{ÉÉæ®äú]õ MÉ´É®úxÉäxºÉ B´ÉÆ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ |ÉhÉɱÉÒ Eäò ºÉƤÉÆvÉ ¨Éå ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ terms of Reserve Bank of India (RBI) and Government of India ¤ÉéEò B´ÉÆ ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú +Êiɨɽþi´É{ÉÚhÉÇ +xªÉ (GOI) guidelines on Corporate Governance and Risk ¨ÉɨɱÉÉå EòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉä Eäò ʱÉB ÊEòªÉÉ MɪÉÉ ½èþ* Management System. 130 4.4.3 ¤Éè`öEòÉå EòÉ Ê´É´É®úhÉ : 4.4.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ ÊxɨxÉÉäHò ÊiÉÊlɪÉÉå EòÉä ºÉʨÉÊiÉ The Committee held one meeting during the period from EòÒ BEò ¤Éè`ööEò +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç :- 01.04.2017 to 31.03.2018 as detailed below: Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ÊxÉnäù¶ÉEò {ÉnùÉäzÉÊiÉ ºÉʨÉÊiÉ ¨Éäå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Directors Number of Directors Promotion Committee Attended the meeting

1. 10.08.2017 03 03

4.5 ¤ÉÉäbÇ÷ EòÒ Ê½þiÉúvÉÉ®úE ºÉƤÉÆvÉ ºÉʨÉÊiÉ : 4.5 Stakeholders' Relationship Committee of the Board:

ÊnùxÉÉÆEò 2 ʺÉiɨ¤É®ú 2015 EòÒ +ÊvɺÉÚSÉxÉÉ ºÉÆJªÉÉ ºÉä¤ÉÒ/B±ÉBb÷Ò-+ÊvɺÉÚSÉxÉÉ The Stakeholders' Relationship Committee of the Bank was ºÉÆ. ºÉä¤ÉÒ/B±ÉBb÷Ò-BxÉ+É®ú+Éä/VÉÒBxÉ/2015-16/013 Eäò iɽþiÉ ¦ÉÉ®úiÉ Eäò constituted by the Board in its meeting dated 09.11.2015 ®úÉVÉ{ÉjÉ (+ºÉÉvÉÉ®úhÉ ¦ÉÉMÉ *** JÉÆb÷ 4) ¨Éå +ÊvɺÉÚÊSÉiÉ ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùùiÉÉ pursuant to SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Notified in Gazette of India ¤ÉÉvªÉiÉÉBÆ B´ÉÆ |ÉEò]õxÉ +{ÉäIÉÉBÆ) Eäò +xÉֺɮúhÉ ¨Éå 09.11.2015 EòÉä +ɪÉÉäÊVÉiÉ (Extraordinary Part-III-Section 4) vide Notification No. SEBI/ ¤ÉÉäbÇ÷ EòÒ ¤Éè`ööEò ¨Éå ¤ÉÉäbÇ÷ uùÉ®úÉ ¤ÉéEò EòÒ Ê½þiÉvÉÉ®úEò ºÉƤÉÆvÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ LAD- Notification No. SEBI/LAD-NRO/GN/2016-17/013 dated ÊEòªÉÉ MɪÉÉ* 2nd September, 2015. 4.5.1 ¤ÉÉäbÇ÷ EòÒ Ê½þiÉúvÉÉ®úE ºÉƤÉÆvÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ: 4.5.1 Composition of the Stakeholders' Relationship Committee of the Board:

31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ Ê½þiÉúvÉÉ®úE ºÉƤÉÆvÉ ºÉʨÉÊiÉ Eäò ÊxɨxÉÉäHò ºÉnùºªÉ The members of the Stakeholders' Relationship Committee of lÉä :- the Board as on 31.03.2018 were as under:-

1. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 1. Prof. Radha R. Sharma Part Time Non-Official Director 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 2. Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®úþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri S. Harisankar Executive Director 4. b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 4. Dr. Bijaya Kumar Sahoo Shareholder Directors 5. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 5. Shri Sarath Sura Shareholder Directors

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇ, +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ The Committee is chaired by Prof. Radha R. Sharma, Part ÊxÉnäù¶ÉEò uùÉ®úÉ EòÒ MÉ<Ç* Time Non Official Director 4.5.2 ʽþiÉúvÉÉ®úE ºÉƤÉÆvÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.5.2 Function of Stakeholders' Relationship Committee of the Board: ºÉʨÉÊiÉ ªÉ½þ ºÉÖÊxÉζSÉiÉ Eò®úiÉÒ ½èþ ÊEò ºÉ¦ÉÒ ¶ÉäªÉ®ú |ɨÉÉhÉ{ÉjÉ ºlÉÉxÉÉxiÉ®úhÉ, The Committee ensures that all share certificates are issued ºÉ¤É Êb÷´ÉÒVÉxÉ ºÉ¨ÉäEòxÉ, xÉ´ÉÒEò®úhÉ +ÉÊnù ½äþiÉÖ +É´ÉänùxÉ EòÒ ÊiÉÊlÉ ºÉä BEò within a period of one month of the date of lodgment for transfer, ¨É½þÒxÉä EòÒ +´ÉÊvÉ Eäò +Ænù®ú VÉÉ®úÒ ½þÉä VÉÉB* <ºÉEäò +ÊiÉÊ®úHò, ºÉʨÉÊiÉ ÊxÉ´Éä¶ÉEòÉå sub-division, consolidation, renewal etc. The committee further monitors the redressal of investors' complaints in a time bound EòÒ Ê¶ÉEòɪÉiÉÉå Eäò ºÉ¨ÉªÉ¤Érù ÊxÉ´ÉÉ®úhÉ EòÒ ¨ÉÉìÊxÉ]õË®úMÉ ¦ÉÒ Eò®úiÉÒ ½èþ* manner. ¶ÉäªÉ®úvÉÉ®úEòÉå EòÒ Ê¶ÉEòɪÉiÉÉå EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ: The details of shareholders' complaints are as under: 31.03.2017 EòÉä ªÉlÉÉκlÉÊiÉ ±ÉÆʤÉiÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ |ÉÉ{iÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊxɺiÉÉÊ®úiÉ 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ±ÉÆʤÉiÉ Pending as on 31.03.2017 Received during the Year Resolved during the Year Pending as on 31.03.2018 01 277 278 Nil 4.5.3 ¤Éöè`öEòÉå EòÉ Ê´É´É®úhÉ 4.5.3 Details of meetings

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ BEò ¤Éè`öEò +ɪÉÉäÊVÉiÉ The Committee held one meeting during the period from EòÒ MÉ<Ç ÊVɺÉEòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ:- 01.04.2017 to 31.03.2018 as detailed below: Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ Ê½þiÉúvÉÉ®úE ºÉƤÉÆvÉ ºÉʨÉÊiÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¨ÉäÆ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Stakeholders' Number of Directors Relationship Committee Attended the meeting 1 20.09.2017 05 05 131 4.6 +É<Ç]õÒ ®úhÉxÉÒÊiÉ +Éè®ú Êb÷VÉÒ]õ±É ¦ÉÖMÉiÉÉxÉ ºÉÆ´ÉvÉÇxÉ ºÉʨÉÊiÉ(+É<Ç]õÒ 4.6 IT Strategy & Digital Payment Promotion Committee ºÉʨÉ.) [{ÉÚ´ÉÇ ¨Éå +É<Ç]õÒ ºÉʨÉÊiÉ (+É<Ç]õÒ ºÉʨÉ.) Eäò °ü{É ¨Éå YÉÉiÉ] (IT Com.)[Previously known as IT Committee (IT Com.)]: ¤ÉéEò EòÒ Ê´ÉʦÉzÉ ºÉÚSÉxÉÉ |ÉÉètÉäÊMÉEòÒ {ÉÊ®úªÉÉäVÉxÉÉ+Éå Eäò EòɪÉÉÇx´ÉªÉxÉ EòÒ ÊxÉMÉ®úÉxÉÒ The Bank constituted the IT Committee on April 24th, 2003 ½äþiÉÖ ¤ÉéEò xÉä 24 +|Éè±É 2003 EòÉä +É<Ç]õÒ ºÉʨÉÊiÉ MÉÊ`öööiÉ EòÒ ÊVɺÉä and it was further reconstituted from time to time. The ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú {ÉÖxÉMÉÇÊ`öiÉ ÊEòªÉÉ MɪÉÉ* 12.12.2017 ºÉä ºÉʨÉÊiÉ EòÉ Committee was reconstituted w.e.f. 12.12.2017 and {ÉÖxÉMÉÇ`ööxÉ ÊEòªÉÉ MɪÉÉ +Éè®ú <ºÉä +É<Ç]õÒ ®úhÉxÉÒÊiÉ +Éè®ú Êb÷VÉÒ]õ±É ¦ÉÖMÉiÉÉxÉ rechristened as IT Strategy & Digital Payment Promotion ºÉÆ´ÉvÉÇxÉ ºÉʨÉÊiÉ (+É<Ç]õÒ ºÉʨÉ.) EòÉ xÉÉ¨É ÊnùªÉÉ MɪÉÉ* Committee (IT Com.). 4.6.1 +É<Ç]õÒ ®úhÉxÉÒÊiÉ +Éè®ú Êb÷VÉÒ]õ±É ¦ÉÖMÉiÉÉxÉ ºÉÆ´ÉvÉÇxÉ ºÉʨÉÊiÉ(+É<Ç]õÒ 4.6.1 Composition of the IT Strategy & Digital Payment ºÉʨÉ.) EòÉ MÉ`öxÉ: Promotion Committee (IT Com.): ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä +É<Ç]õÒ ®úhÉxÉÒÊiÉ +Éè®ú Êb÷VÉÒ]õ±É ¦ÉÖMÉiÉÉxÉ The members of the IT Strategy & Digital Payment Promotion ºÉÆ´ÉvÉÇxÉ ºÉʨÉÊiÉ(+É<Ç]õÒ ºÉʨÉ.) ¨Éå ÊxɨxÉÉäHò ºÉnùºªÉ lÉä :- Committee (IT Com.) as on 31.03.2018 were as under:

1. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 1. Shri Sarath Sura Shareholder Director 2. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ 2. Smt. Usha +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Ananthasubramanian Managing Director & CEO 3. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri N. K. Sahoo Executive Director 4. ¸ÉÒ BºÉ. ½þÊ®¶ÉÆEò®úþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 4. Shri S. Harisankar Executive Director 5. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒú ÊxÉnäù¶ÉEò 5. Shri Gautam Guha Part Time Non-Official Director 6. b÷É. |ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 6. Dr. Parthapratim Pal Shareholder Director

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ, ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò uùÉ®úÉ EòÒ MÉ<Ç The Committee was chaired by Shri Sarath Sura, Shareholder lÉÒ* Director. 4.6.2 +É<Ç]õÒ ®úhÉxÉÒÊiÉ +Éè®ú Êb÷VÉÒ]õ±É ¦ÉÖMÉiÉÉxÉ ºÉÆ´ÉvÉÇxÉ ºÉʨÉÊiÉ(+É<Ç]õÒ 4.6.2 Function of the IT Strategy & Digital Payment ºÉʨÉ.) Eäò EòɪÉÇ : Promotion Committee (IT Com.):

ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ¤ÉéEò EòÒ Ê´ÉʦÉzÉ +É<Ç]õÒ {ÉÊ®úªÉÉäVÉxÉÉ+Éå Eäò EòɪÉÉÇx´ÉªÉxÉ EòÒ This Committee was constituted to monitor the implementation ÊxÉMÉ®úÉxÉÒ ½äþiÉÖ ÊEòªÉÉ MɪÉÉ ½èþ* of various IT projects of the Bank.

4.6.3 ¤Éèö`öEòÉå EòÉ Ê´É´É®úhÉ : 4.6.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ <ºÉ ºÉʨÉÊiÉ EòÒ Uô½þú ¤Éè`öEåòò The Committee held six meetings during the period from ÊxɨxÉʱÉÊJÉiÉ ÊiÉÊlɪÉÉå EòÉä +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç:- 01.04.2017 to 31.03.2018, as detailed below:-

Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ +É<Ç]õÒ ºÉʨÉÊiÉ ¨Éäå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of meeting Number of Directors on the IT Number of Directors Committee of Board Attended the meeting

1 28.04.2017 6 6 2 23.06.2017 6 5 3 10.08.2017 6 5 4 12.09.2017 6 6 5 12.12.2017 6 6 6 28.02.2018 6 5

4.7 ¤ÉÉäbÇ÷ EòÒ vÉÉäJÉÉvÉc÷Ò ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ : 4.7. Fraud Monitoring Committee of the Board: ¤ÉéEò xÉä BEò Eò®úÉäc÷ ¯û{ÉB +Éè®ú +ÊvÉEò ®úÉ榃 EòÒ vÉÉäJÉÉvÉc÷Ò Eäò ¨ÉɨɱÉÉå EòÒ The Bank has constituted Fraud Monitoring Committee on ÊxÉMÉ®úÉxÉÒ +Éè®ú +xÉÖ´ÉiÉÔ EòÉ®Çú´ÉÉ<Ç ½äþiÉÖ 28.02.2004 EòÉä vÉÉäJÉÉvÉc÷Ò ÊxÉMÉ®úÉxÉÒ 28.02.2004 and reconstituted it from time to time with a purpose to monitor and follow up cases of frauds involving ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ ÊEòªÉÉ ½èþ +Éè®ú <ºÉä ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú {ÉÖxÉMÉÇÊ`öiÉ ÊEòªÉÉ MɪÉÉ ½èþ* amount of rupees one crore and above.

132 4.7.1 ¤ÉÉäbÇ÷ EòÒ vÉÉäJÉÉvÉc÷Ò ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.7.1 Composition of the Fraud Monitoring Committee of the Board: ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä vÉÉäJÉÉvÉc÷Ò ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉÉäHò The members of the Fraud Monitoring Committee of the Board ºÉnùºªÉ lÉä :- as on 31.03.2018 were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò 1. Smt. Usha Managing Director & CEO +ÊvÉEòÉ®úÒ Ananthasubramanian 2. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 2. Shri Rajeev Ranjan Government Nominee Director 3. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇþ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 3. Prof. Radha R. Shama Part Time Non-Official Director 4. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 4. Shri Gautam Guha Part Time Non-Official Director

5. b÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 5. Dr. Bijaya Kumar Sahoo Shareholders' Director 6. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 6. Shri N. K. Sahoo Executive Director (Spl. Invitee)

7. ¸ÉÒ BºÉ. ½þÊ®¶ÉÆEò®úþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 7. Shri S. Harisankar Executive Director (Spl. Invitee)

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò uùÉ®úÉ EòÒ MÉ<Ç The Executive Director (s) of the Bank attended the meeting B´ÉÆ ¤ÉéEò Eäò EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò ºÉʨÉÊiÉ EòÒ ¤Éè`öEò ¨Éå ʴɶÉä¹É +ɨÉÆÊjÉiÉÒ Eäò of committee as special invitee and the meetings of the °ü{É ¨Éå ={ÉκlÉiÉ ½ÖþB* committee were chaired by the Managing Director & CEO.

4.7.2 ¤ÉÉäbÇ÷ EòÒ vÉÉäJÉÉvÉc÷Ò ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.7.2 Function of the Fraud Monitoring Committee of the Board: vÉÉäJÉÉvÉc÷Ò Eäò Ê´ÉʦÉzÉ {ɽþ±ÉÖ+Éå +lÉÉÇiÉ vÉÉäJÉÉvÉc÷Ò EòÉ {ÉiÉÉ ±ÉMÉÉxÉÉ, ÊxɪÉɨÉEò +Éè®ú The Fraud Monitoring Committee has been constituted |É´ÉiÉÇxÉ BVÉåʺɪÉÉå EòÉä Ê®ú{ÉÉä]Çõ Eò®úxÉÉ, iÉlÉÉ vÉÉäJÉÉvÉc÷Ò EòÉä +ÆVÉÉ¨É näùxÉä ´ÉɱÉÉå Eäò exclusively for monitoring, review and follow up cases of frauds ʴɯûrù EòÉ®Çú´ÉÉ<Ç Eò®úxÉä ¨Éå ½þÉäxÉä ´ÉɱÉä ʴɱɨ¤É EòÉä näùJÉiÉä ½ÖþB +xÉxªÉ °ü{É ºÉä °ü{ɪÉä involving amount of Rupees one crore and above, keeping in BEò Eò®úÉäc÷ ¯û{ÉB +Éè®ú +ÊvÉEò EòÒ ®úÉ榃 Eäò vÉÉäJÉÉvÉc÷Òõ Eäò ¨ÉɨɱÉÉå EòÒ ¨ÉÉÊxÉ]õË®úMÉ view the delay caused in various aspects of fraud like detecting, reporting to regulatory and enforcement agencies and action +Éè®ú =xÉ {É®ú +xÉÖ´ÉiÉÔ EòÉ®Çú´ÉÉ<Ç Eò®úxÉä ½äþiÉÖ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ MɪÉÉ* against perpetrators of the fraud.

4.7.3 ¤Éè`ööEòÉå EòÉ Ê´É´É®úhÉ : 4.7.3 Details of meetings :

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ vÉÉäJÉÉvÉc÷Òõ ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ The Fraud Monitoring Committee held three meetings during EòÒ nùÉä ¤Éè`öEåò ÊxɨxÉÉxÉÖºÉÉ®ú +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç :- the period from 01.04.2017 to 31.03.2018 as detailed below:-

Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ vÉÉäJÉÉvÉc÷Òõ ÊxÉMÉ®úÉxÉÒ ºÉʨÉÊiÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Eäò ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Number of Directors Fraud Monitoring Committee of Board Attended the meeting 1. 28.06.2017 6 6 2 20.09.2017 7 6 3 14.02.2018 7 6

4.8 ¤ÉÉäbÇ÷ EòÒ OÉɽþEò ºÉä´ÉÉ ºÉʨÉÊiÉ : 4.8 Customer Service Committee of the Board: ÊxÉnäù¶ÉEò ¨ÉÆb÷±É xÉä 09.09.2004 EòÉä +ɪÉÉäÊVÉiÉ ¤Éè`ööEò ¨Éå ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ In compliance with RBI letter dated August 14th, 2004, the ¤ÉéEò Eäò MÉ´ÉxÉÇ®ú Eäò ÊnùxÉÉÆEò 14 +MɺiÉ, 2004 Eäò {ÉjÉ Eäò +xÉÖ{ÉɱÉxÉ ¨Éå Board of Directors in its meeting held on 09.09.2004 constituted Customer Service Committee and reconstituted it OÉɽþEò ºÉä´ÉÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ +Éè®ú <ºÉä ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú {ÉÖxÉMÉÇÊ`ööiÉ from time to time. The committee has been constituted with a ÊEòªÉÉ MɪÉÉ ½èþ* ºÉʨÉÊiÉ EòÉ MÉ`öxÉ <ºÉ =qäù¶ªÉ ºÉä ÊEòªÉÉ MɪÉÉ iÉÉÊEò ºÉiÉiÉ view to bring out improvements in the quality of customer +ÉvÉÉ®ú {É®ú OÉɽþEò ºÉä´ÉÉ EòÒ MÉÖhÉ´ÉkÉÉ ¨Éå ºÉÖvÉÉ®ú ±ÉɪÉÉ VÉÉ ºÉEäò* service in the Bank on a continuous basis.

133 4.8.1 ¤ÉÉäbÇ÷ EòÒ OÉɽþþEò ºÉä´ÉÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.8.1 Composition of Customer Service Committee of the Board: 31.03.2018 EòÉä OÉÉú½þEò ºÉä´ÉÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ ºÉnùºªÉ lÉä:- The members of the Customer Service Committee of the Board as on 31.03.2018 were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò 1. Smt. Usha Ananthasubramanian Managing Director & CEO +ÊvÉEòÉ®úÒ 2. Shri N. K. Sahoo Executive Director 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri S. Harisankar Executive Director 4. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇþ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 4. Prof. Radha R. Shama Part Time Non-Official Director 5. b÷É. |ÉÉlÉÇ|ÉÊiÉ¨É {ÉÉ±É ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 5. Dr. Parthapratim Pal Shareholder Director

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ, |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ The Committee was chaired by Smt. Usha ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò uùÉ®úÉ EòÒ MÉ<Çþ* Ananthasubramanian, Managing Director and CEO. 4.8.2 ¤ÉÉäbÇ÷ EòÒ OÉɽþEò ºÉä´ÉÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ: 4.8.2 Function of the Customer Service Committee of the Board:

½þ®ú ºÉ¨ÉªÉ ºÉ¦ÉÒ |ÉEòÉ®ú Eäò OÉɽþEòÉå Eäò OÉɽþEò ºÉÆiÉÖι]õ ºiÉ®ú ¨Éå ºÉÖvÉÉ®ú Eò®úxÉä To innovate measures for enhancing the quality of customer +Éè®ú OÉɽþEò ºÉä´ÉÉ EòÒ MÉÖhÉ´ÉkÉÉ EòÉä ¤ÉgøÉxÉä ½äþiÉÖ xÉ´ÉÒxÉ ={ÉÉªÉ Eò®úxÉÉ* service and improve the level of customer satisfaction to all categories of clientele at all times.

4.8.3 ¤Éè`öEòÉå EòÉ Ê´É´É®úhÉ : 4.8.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ 04 ¤Éè`öEåò ÊxɨxÉÉxÉÖºÉÉ®ú The Committee held four meetings during the period +ɪÉÉäÊVÉiÉ EòÒ MÉ<È :- 01.04.2017 to 31.03.2018 as detailed below:- Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ OÉɽþEò ºÉä´ÉÉ ºÉʨÉÊiÉ ¨Éåä ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Number of Directors Customer Service Committee Attended the meeting 1 28.06.2017 5 5 2 30.10.2017 5 5 3 16.01.2018 5 5 4 22.03.2018 5 5

4.9 ¤ÉÉäbÇ÷ EòÒ {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ : 4.9 Remuneration Committee of the Board:

¦ÉÉ®úiÉ ºÉ®úEòÉ®ú, Ê´ÉkÉ ¨ÉÆjÉɱɪÉ, +ÉÌlÉEò EòɪÉÇ Ê´É¦ÉÉMÉ, ¤ÉéËEòMÉ |ɦÉÉMÉ EòÒ In terms of Govt. of India, Ministry of Finance, Department ÊnùxÉÉÆEò 9 ¨ÉÉSÉÇ 2007 EòÒ +ÊvɺÉÚSÉxÉÉ B¡ò. ºÉÆ. 20/1/2005-¤ÉÒ+Éä+É<Ç Eäò of Economic Affairs (Banking Division) notification F. No. +xÉÖºÉÉ®ú ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ Eäò ¤ÉéEòÉå Eäò {ÉÚhÉÇEòÉʱÉEò ÊxÉnäù¶ÉEò EòɪÉÇÊxɹ{ÉÉnùxÉ 20/1/2005-BOI dated 9th March, 2007, whole time directors of the Public Sector Banks will be entitled to performance ºÉƤÉrù |ÉÉäiºÉɽþxÉ Eäò {ÉÉjÉ ½þÉåMÉä ¤É¶ÉiÉæ ÊEò ±ÉIªÉ +Éè®ú MÉÖhÉÉi¨ÉEò {Éè®úɨÉÒ]õ®ú linked incentives, subject to achievement of broad ºÉƤÉÆvÉÒ +É¶ÉªÉ Ê´É´É®úhÉ +Éè®ú Ê{ÉUô±Éä ´É¹ÉÇ Eäò nùÉè®úÉxÉ Ê´ÉʦÉzÉ +xÉÖ{ÉɱÉxÉ Ê®ú{ÉÉä]õÉç quantitative parameters fixed for performance evaluation ºÉä ºÉƤÉÆÊvÉiÉ ¤ÉéSɨÉÉEÇò {É®ú +ÉvÉÉÊ®úiÉ EòɪÉÇÊxɹ{ÉÉnùxÉ ¨ÉÚ±ªÉÉÆEòxÉ ¨ÉèÊ]ÅõCºÉ ½äþiÉÖ iÉªÉ matrix, based on the Statement of Intent on goals and ¨ÉÉjÉÉi¨ÉEò {Éè®úɨÉÒ]õ®úÉå EòÉä ¤ÉÉäbÇ÷ uùÉ®úÉ |ÉÉ{iÉ Eò®ú ʱɪÉÉ MɪÉÉ ½þÉä* EòɪÉÇÊxɹ{ÉÉnùxÉ qualitative parameters and bench marks based on various EòÉ ¨ÉÚ±ªÉÉÆEòxÉ ¤ÉÉäbÇ÷ EòÒ ={É ºÉʨÉÊiÉ- {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ uùÉ®úÉ ÊEòªÉÉ compliance reports during the last year. Sub Committee ‘‘ ’’ of the Board called "Remuneration Committee" consisting VÉÉBMÉÉ ÊVɺɨÉå ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò, ¦ÉÉÊ®ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ of Govt. Nominee Director, RBI Nominee Director and ÊxÉnäù¶ÉEò iÉlÉÉ nùÉä +xªÉ ÊxÉnäù¶ÉEò ¶ÉÉÊ¨É±É ½þÉåMÉä* two other Directors would do the evaluation of performance.

4.9.1 ÊxÉnäù¶ÉEò ¨ÉÆb÷±É xÉä 23.03.2007 EòÒ +{ÉxÉÒ ¤Éè`öööEò ¨Éå EòɪÉÇÊxɹ{ÉÉnùxÉ 4.9.1 The Board of Directors in its meeting dated ºÉä VÉÖcä÷ |ÉÉäiºÉɽþxÉÉå Eäò |ɪÉÉäVÉxÉ ½äþiÉÖ {ÉÚhÉÇEòÉʱÉEò ÊxÉnäù¶ÉEòÉå Eäò EòɪÉÇÊxɹ{ÉÉnùxÉ 23.03.2007 constituted the Remuneration Committee to EòÉ ¨ÉÚ±ªÉÉÆEòxÉ Eò®úxÉä Eäò =qäù¶ªÉ ºÉä {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ ÊEòªÉÉ* evaluate the performance of the whole time directors for ºÉʨÉÊiÉ EòÉ ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É® {ÉÖþxÉMÉÇ`öööxÉ ÊEòªÉÉ MɪÉÉ ½è* the purpose of performance linked incentives. The Committee has since been reconstituted from time to time.

134 4.9.2. ¤ÉÉäbÇ÷ EòÒ {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ : 4.9.2 Composition of Remuneration Committee of the Board: ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä ¤ÉÉäbÇ÷ EòÒ {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ The members of the Remuneration Committee of the Board ºÉnùºªÉ lÉä :- as on 31.03.2018 were as under:-

1. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 1. Shri Rajeev Ranjan Govt. Nominee Director 2. ¸ÉÒ Ê´É´ÉäEò nùÒ{É ¦ÉÉÊ®ú¤ÉéEò uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 2. Shri Vivek Deep RBI Nominee Director 3. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇþ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 3. Prof. Radha R. Sharma Part Time Non Official Director 4.9.3. ¤ÉÉäbÇ EòÒ {ÉÊ®ú±ÉΤvÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : ò 4.9.3 Function of Remuneration Committee of the Board: EòɪÉÇÊxɹ{ÉÉnùxÉ ÷ºÉƤÉr |ÉÉäiºÉɽþxÉ Eäò |ɪÉÉäVÉxÉÉlÉÇ {ÉÚhÉÇEòÉʱÉEò ÊxÉnäù¶ÉEòÉå Eäò To evaluate the performance of the Whole Time Directors for EòɪÉÇÊxɹ{ÉÉnùxÉ EòÉ ¨ÉÚ±ªÉÉÆEòxÉ Eò®úxÉÉ* the purpose of performance linked incentives. 4.9.4. ¤Éè`öEò EòÉ Ê´É´É®úhÉ : 4.9.4 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉèù®úÉxÉ ºÉʨÉÊiÉ EòÒ EòÉä<Ç ¤Éè`öEò +ɪÉÉäÊVÉiÉ No meeting of the committee was held during the period from xɽþÓ EòÒ MÉ<Ç* 01.04.2017 to 31.03.2018.

4.10 ¤ÉÉäbÇ÷ EòÒ xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ : 4.10 Nomination Committee of the Board:

¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò ÊnùxÉÉÆEò 1 xɴɨ¤É®ú 2007 Eäò {ÉjÉÉÆEò b÷Ò¤ÉÒ+Éäb÷Ò ºÉÆ. In terms of Reserve Bank of India letter DBOD No. BC. No. ¤ÉÒºÉÒ.ºÉÆ. 47/29.32.001/2007-08 Eäò +xÉÖºÉÉ®ú 21.04.2008 EòÉä 47/29.39.001/2007-08 dated November 1, 2007, the Bank constituted Nomination Committee of the Board on ¤ÉÉäbÇ÷ EòÒ xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ ÊEòªÉÉ MɪÉÉ* ºÉʨÉÊiÉ EòÉ ºÉ¨ÉªÉ ºÉ¨ÉªÉ 21.04.2008. The Committee has been reconstituted from time {É®ú {ÉÖxÉMÉÇ`ööxÉ ÊEòªÉÉ MɪÉÉ ½èþ* to time.

4.10.1 ¤ÉÉäbÇ÷ EòÒ xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.10.1 Composition of Nomination Committee of the Board:

31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉÉäbÇ÷ EòÒ xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ The members of the Nomination Committee of the Board as ºÉnùºªÉ lÉä:- on 31.03.2018 were as under:-

1. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 1. Shri Rajeev Ranjan Govt. Nominee Director 2. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇþ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 2. Prof. Radha R. Shama Part Time Non Official Director

3. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 3. Shri Sarath Sura Shareholder Director

4.10.2 ¤ÉÉäbÇ÷ EòÒ xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.10.2 Function of Nomination Committee of the Board: xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ EòÉä ¤ÉéEòEòÉ®úÒ EÆò{ÉxÉÒ (={ÉGò¨ÉÉå EòÉ +VÉÇxÉ +Éè®ú +ÆiÉ®úhÉ) The Nomination Committee have to undertake a process of +ÊvÉÊxÉªÉ¨É 1970 EòÒ vÉÉ®úÉ 9(3)(i) Eäò +ÆiÉMÉÇiÉ ¨ÉÉèVÉÚnùÉ ÊxÉ´ÉÉÇÊSÉiÉ ÊxÉnäù¶ÉEòÉå/ due diligence to determine the "Fit and Proper" status of ÊxÉnäù¶ÉEò Eäò °ü{É ¨Éå ÊxÉ´ÉÉÇÊSÉiÉ ½þÉäxÉä ´ÉɱÉä ´ªÉÊHò Eäò ‘‘ªÉÉäMªÉ B´ÉÆ =ÊSÉiÉ’’ ºiÉ®ú EòÉ existing elected directors/the person to be elected as a director under Sec. 9 (3) (i) of the Banking Companies (Acquisition ºÉ¨ªÉEò iÉi{É®úiÉÉ Eäò ºÉÉlÉ ÊxÉvÉÉÇ®úhÉ Eò®úxÉä EòÒ |ÉÊGòªÉÉ {ÉÚ®úÒ Eò®úxÉÒ ½þÉäiÉÒ ½èþ* and Transfer of Undertakings) Act, 1970.

4.10.3 ¤Éè`ööEòÉå EòÉ Ê´É´É®úhÉ : 4.10.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ BEò ¤Éè`ööE ÊxɨxÉÉxÉÖºÉÉ®ú The Nomination Committee held one meeting during the period +ɪÉÉäÊVÉiÉ EòÒ MÉ<È* from 01.04.2017 to 31.03.2018 as detailed below:-

Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ xÉɨÉÉÆEòxÉ ºÉʨÉÊiÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¨Éä ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Number of Directors Nomination Committee of Board Attended the meeting 1. 08.03.2018 3 3

135 4.11 ¶ÉäªÉ®ú ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ºÉʨÉÊiÉ: 4.11 Share Issue and Allotment Committee:

4.11.1 ¤ÉéEò Eäò ÊxÉnäù¶ÉEò ¨ÉÆb÷±É xÉä ÊnùxÉÉÆEò 18.02.2011 EòÉä +ɪÉÉäÊVÉiÉ 4.11.1 The Board of Directors of the Bank in its meeting dated +{ÉxÉÒ ¤Éè`öEò ¨Éå ¶ÉäªÉ®ú ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ 18.02.2011 constituted Share Issue Allotment Committee. The Committee has been reconstituted ÊEòªÉÉ* ºÉʨÉÊiÉ EòÉä ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú {ÉÖxÉMÉÇÊ`öiÉ ÊEòªÉÉ MɪÉÉ* from time to time. 4.11.2 ¶ÉäªÉ® ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.11.2 Composition of Share Issue and Allotment Committee: 31.03.2018 EòÉä ú¶ÉäªÉ® ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ The members of the Share Issue and Allotment Committee of ºÉnùºªÉ lÉä:- the Board as on 31.03.2018 were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò 1. Smt. Usha Ananthasubramanian Managing Director & CEO +ÊvÉEòÉ®úÒ 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 2. Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri S. Harisankar Executive Director 4. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇþ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 4. Prof. Radha R. Shama Part Time Non-Official Director 5. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 5. Shri Gautam Guha Part Time Non-Official Director 4.11.3 ¶ÉäªÉ® ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.11.3 Function of Share Issue and Allotment Committee:

ºÉʨÉÊiÉ +ÊvɨÉÉxÉÒ/CªÉÚ+É<Ç{ÉÒ +ɤÉÆ]õxÉ +ÉvÉÉ®ú {É®ú <ÎC´É]õÒ ¶ÉäªÉ®úÉå Eäò ÊxÉMÉÇ¨É The committee is authorized to do all such acts, deeds and B´ÉÆ +ɤÉÆ]õxÉ Eäò ºÉƤÉÆvÉ ¨Éå ªÉlÉÉ+{ÉäÊIÉiÉ ºÉ¦ÉÒ EòɪÉÇ Eò®úxÉä +Éè®ú Bombay Stock Exchange. 4.11.4 ¤Éè`öEòÉå EòÉ Ê´É´É®úhÉ : 4.11.4 Details of meetings:

01.04.2017 ºÉä 31.03.2018 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ ÊxɨxÉÉxÉÖºÉÉ®ú The Committee held two meetings during the period from 2 ¤Éè`öEåò +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç :- 01.04.2017 to 31.03.2018 as detailed below:-

Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ ¶ÉäªÉ®ú ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ºÉʨÉÊiÉ ¨ÉåäòÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Share Number of Directors Issue and Allotment Committee Attended the meeting of Board 1. 07.08.2017 5 3 2. 13.10.2017 5 5

4.12 @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ : 4.12 Credit Approval Committee of the Board: ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú, Ê´ÉkÉ ¨ÉÆjÉÉ±ÉªÉ EòÒ ÊnùxÉÉÆEò 05.12.2011 EòÒ ®úÉVÉ{ÉÊjÉiÉ In terms of Govt. of India, Ministry of Finance Notification vide +ÊvɺÉÚSÉxÉÉ ºÉÆJªÉÉ 13/1/2006 +Éè®ú <ºÉ ºÉƤÉÆvÉ ¨Éå +ÊiÉÊ®úHò º{ɹ]õÒEò®úhÉ Gazette Notification no. 13/1/2006 dated 05.12.2011 and Eäò +xÉÖºÉÉ®ú ¤ÉéEò xÉä `400.00 Eò®úÉäc÷ iÉEò Eäò @ñhÉ |ɺiÉÉ´ÉÉå Eäò +xÉÖ¨ÉÉänùxÉ further clarification in this regard, the Bank has constituted a Credit Approval Committee of the Board on 22.02.2012 for ` +Éè®ú 2.50 Eò®úÉäc÷ iÉEò Eäò @ñhÉ ºÉ¨ÉZÉÉèiÉÉ/®úÉ<]õ-+Éì¡ò |ɺiÉÉ´ÉÉå Eäò +xÉÖ¨ÉÉänùxÉ the purpose of approval of the credit proposals upto `400.00 Eäò =qäù¶ªÉ ºÉä 22.02.2012 EòÉä ¤ÉÉäbÇ÷ EòÒ @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ Crore and Loan Compromise/Write-Off proposals upto `2.50 ÊEòªÉÉ ½èþ* Crore.

4.12.1 ¤ÉÉäbÇ÷ EòÒ @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ EòÉ MÉ`xÉ : 4.12.1 Composition of the Credit Approval Committee of the Board: ¤ÉÉäbÇ÷ EòÒ @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ EòÉ MÉ`xÉ ÊxɨxÉÉxÉÖºÉÉ®ú lÉÉ The Credit Approval Committee of the Board consists of the (B) +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò/|ɤÉÆÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉùEòÉ®úÒ following:- (¤ÉÒ) nùÉä EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò (a) Chairman and Managing Director/Managing Director & CEO (ºÉÒ) ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) (b) Two Executive Director(s) (b÷Ò) ¨É½þÉ|ɤÉÆvÉEò (@ñhÉ) (c) General Manager (F & A) (d) General Manager (Credit) (<Ç) ¨É½þÉ|ɤÉÆvÉEò (+É<Ç+É®úB¨É) (e) General Manager (IRM) 136 4.12.2 @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.12.2 Function of Credit Approval Committee of the Board:

B) `400.00 Eò®úÉäc÷ iÉEò Eäò @ñhÉ |ɺiÉÉ´ÉÉå (ÊxÉÊvÉEò B´ÉÆ MÉè®ú-ÊxÉÊvÉEò) EòÒ a) Sanctioning of Credit Proposals of upto `400.00 Crore ºÉƺ´ÉÒEÞòÊiÉ [Funded and Non-Funded]

¤ÉÒ) `2.50 Eò®úÉäc÷ iÉEò Eäò @ñhÉ ºÉ¨ÉZÉÉèiÉÉ/®úÉ<]õ +É¡ò |ɺiÉÉ´ÉÉå EòÉ +xÉÖ¨ÉÉänùxÉ b) Approval of Loan Compromise/Write-Off proposals of upto `2.50 Crore

4.12.3 ¤Éè`EòÉå EòÉ Ê´É´É®úhÉ : 4.12.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 Eäò nùÉè®úÉxÉ @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ EòÒ The Credit Approval Committee held Fifty one meetings during 51¤Éè`öEåò ÊxɨxÉÉxÉÖºÉÉ®ú +ɪÉÉäÊVÉiÉ EòÒ MÉ<È:- the period from 01.04.2017 to 31.03.2018, as detailed below:-

Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ ¨ÉäÆ ºÉnùºªÉÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ºÉnùºªÉÉä EòÒ ºÉÆJªÉÉ Sl. Date of Meeting Number of members on the Credit Number of Members No. Approval Committee of Board Attended the meeting 1. 07.04.2017 6 6 2. 13.04.2017 6 6 3. 20.04.2017 6 6 4. 26.04.2017 6 6 5. 12.05.2017 6 6 6. 18.05.2017 6 6 7. 24.05.2017 6 5 8. 31.05.2017 6 6 9. 02.06.2017 6 5 10. 09.06.2017 6 6 11. 14.06.2017 6 6 12. 21.06.2017 6 6 13. 30.06.2017 6 6 14. 06.07.2017 6 6 15. 14.07.2017 6 6 16. 19.07.2017 6 6 17. 26.07.2017 6 6 18. 03.08.2017 6 6 19. 09.08.2017 6 6 20. 18.08.2017 6 6 21. 23.08.2017 6 6 22. 31.08.2017 6 6 23. 05.09.2017 6 6 24. 16.09.2017 6 6 25. 25.09.2017 6 6 26. 26.09.2017 6 6 27. 06.10.2017 6 6 28. 12.10.2017 6 6 29. 21.10.2017 6 6 30. 25.10.2017 6 6 31. 03.11.2017 6 6 32. 09.11.2017 6 6 33. 16.11.2017 6 6 34. 23.11.2017 6 6 35. 01.12.2017 6 6 36. 06.12.2017 6 6 37. 16.12.2017 6 6 38. 20.12.2017 6 6 39. 29.12.2017 6 6

137 Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ @ñhÉ +xÉÖ¨ÉÉänùxÉ ºÉʨÉÊiÉ ¨ÉäÆ ºÉnùºªÉÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ºÉnùºªÉÉä EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of members on the Credit Number of Members Approval Committee of Board Attended the meeting

40. 30.12.2017 6 6 41. 06.01.2018 6 5 42. 15.01.2018 6 6 43. 21.01.2018 6 6 44. 25.01.2018 6 6 45. 03.02.2018 6 6 46. 09.02.2018 6 6 47. 07.03.2018 6 6 48. 17.03.2018 6 6 49. 27.03.2018 6 6 50. 29.03.2018 6 6 51. 31.03.2018 6 6

4.13 ¤ÉÉäbÇ÷ EòÒ ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ: 4.13 Recovery Committee of the Board:

Ê´ÉkÉ ¨ÉÆjÉɱɪÉ,¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú 27.11.2012 As per the directives of the Ministry of Finance, Government EòÉä +ɪÉÉäÊVÉiÉ ¤ÉÉäbÇ÷ ¤Éè`öEò ¨Éå ´ÉºÉÚ±ÉÒ |ÉÊGòªÉÉ EòÒ ¨ÉÉÊxÉ]õË®úMÉ Eò®úxÉä +Éè®ú of India, Recovery Committee of the Board was constituted at ÊxɪÉʨÉiÉ +ÉvÉÉ®ú {É®ú ¤ÉéEò Eäò ´ÉºÉÚ±ÉÒ iÉÆjÉ EòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉä ½äþiÉÖ ¤ÉÉäbÇ÷ EòÒ the Board Meeting held on 27.11.2012 to monitor the progress of recovery and to review the recovery mechanisms of the ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ MɪÉÉ* ¤ÉÉäbÇ÷ uùÉ®úÉ ºÉʨÉÊiÉ EòÉ ºÉ¨ÉªÉ-ºÉ¨ÉªÉ Bank on regular basis. The committee has been reconstituted {É®ú {ÉÖxÉMÉÇ`öxÉ ÊEòªÉÉ MɪÉÉ ½èþ* by the Board from time to time. 4.13.1 ¤ÉÉäbÇ EòÒ ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ EòÉ MÉ xÉ: `ö 4.13.1 Composition of the Recovery Committee of the Board: 31.03.2018 EòÉä ú¤ÉÉäbÇ÷ EòÒ ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ ºÉnùºªÉ lÉä :- The members of the Recovery Committee of the Board as on 31.03.2018 were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ 1. Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 2. Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri S. Harisankar Executive Director 4. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 4. Shri Rajeev Ranjan Government Nominee Director 5. |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇþ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 5. Prof. Radha R. Shama Part Time Non-Official Director 6. b÷Éì. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®vÉÉ®úEò ÊxÉnäù¶ÉEò 6. Dr. Bijaya Kumar Sahoo Shareholder Director

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò uùÉ®úÉ EòÒ MÉ<Ç* The Committee was chaired by the Managing Director & CEO.

4.13.2 ¤ÉÉäbÇ÷ EòÒ ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ Eäò EòɪÉÇ: 4.13.2 Function of the Recovery Committee of the Board:

´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ EòÉ EòɪÉÇ ´ÉºÉÚ±ÉÒ |ÉÊGòªÉÉ EòÒ ¨ÉÉÊxÉ]õË®úMÉ Eò®úxÉä +Éè®ú ÊxɪÉʨÉiÉ The function of the Recovery Committee is to monitor the +ÉvÉÉ®ú {É®ú ¤ÉéEò Eäò ´ÉºÉÚ±ÉÒ iÉÆjÉ EòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉÉ ½èþ* progress of recovery and to review the recovery mechanisms of the Bank on regular basis.

138 4.13.3 ¤Éè`öEòÉå EòÉ Ê´É´É®úhÉ : 4.13.3 Details of meetings: 01.04.2017 ºÉä 31.03.2018 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ ÊxɨxÉÉxÉÖºÉÉ® The Committee met nine (9) times during the period from xÉÉèú (9) ¤Éè`öEåò +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç :- 01.04.2017 to 31.03.2018 as detailed below :- Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ ´ÉºÉÚ±ÉÒ ºÉʨÉÊiÉ ¨Éå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of meeting Number of Directors on the Number of Directors Recovery Committee of Board Attended the meeting 1. 28.04.2017 5 5 2. 28.06.2017 5 4 3. 11.08.2017 5 4 4. 20.09.2017 5 4 5. 30.10.2017 5 4 6. 12.12.2017 5 4 7. 16.01.2018 5 5 8. 14.02.2018 5 4 9. 22.03.2018 6 5

4.14 ¤ÉÉäbÇ÷ EòÒ ÊxÉ´ÉÉÇSÉxÉ ºÉʨÉÊiÉ: 4.14 Election Committee of the Board: Ê´ÉkÉ ¨ÉÆjÉɱɪÉ,¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú 30.05.2012 As per the directives of the Ministry of Finance, Government EòÉä +ɪÉÉäÊVÉiÉ ¤ÉÉäbÇ÷ ¤Éè`öEò ¨Éå ¤ÉÉäbÇ÷ EòÒ ÊxÉ´ÉÉÇSÉxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ of India, Election Committee of the Board was constituted at the Board Meeting held on 30.05.2012. The Committee MɪÉÉ* ºÉʨÉÊiÉ ¨É½þÉ|ɤÉÆvÉEò (]ÅäõVÉ®úÒ) EòÉä |ÉÉÊvÉEÞòiÉ Eò®úiÉÒ ½èþ ÊEò ´Éä ¤ÉéEò Eäò authorizes the General Manager (Treasury) to authorize an ÊEòºÉÒ +ÊvÉEòÉ®úÒ EòÉä =xÉ EÆò{ÉÊxɪÉÉå EòÒ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ +Éè®ú +ºÉÉvÉÉ®úhÉ officer of the Bank to represent the Bank in Annual General +É¨É ºÉ¦ÉÉ ¨Éå ¤ÉéEò EòÉ |ÉÊiÉÊxÉÊvÉi´É Eò®úxÉä Eäò ʱÉB |ÉÉÊvÉEÞòiÉ Eò®äú ÊVɺɨÉå Meetings and Extraordinary General Meetings of the Companies ½þ¨ÉÉ®úÉú ¤ÉéEò ¶ÉäªÉ®ú +Éè®ú ´ÉÉä] vÉÉÊ®úiÉ Eò®úiÉÉõ ½èþ* in which our Bank holds Shares and vote as per its decision. 4.14.1 ¤ÉÉäbÇ EòÒ ÊxÉ´ÉÉÇSÉxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.14.1 Composition of the Election Committee of the Board: ªÉlÉÉκlÉÊiÉ 31.03.2018 EòÉä ú¤ÉÉäbÇ÷ EòÒ ÊxÉ´ÉÉÇSÉxÉ ºÉʨÉÊiÉ ¨Éå ÊxɨxÉʱÉÊJÉiÉ The members of the Election Committee of the Board as on ºÉnùºªÉ lÉä:- 31.03.2018 were as under:- 1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ 1. Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 2. Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®úþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri S. Harisankar Executive Director ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò uùÉ®úÉ EòÒ MÉ<Ç* The Managing Director & CEO chaired the meeting.

4.14.2 ¤ÉÉäbÇ÷ EòÒ ÊxÉ´ÉÉÇSÉxÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ 4.14.2 Function of the Election Committee of the Board:

ºÉʨÉÊiÉ +{ÉxÉä ¶ÉäªÉ®úvÉÉ®úEòÉå ¨Éå ºÉä ºÉ¤ÉºÉä =ÊSÉiÉ =¨¨ÉÒnù´ÉÉ®ú Eäò SɪÉxÉ EòÉä The Committee approves selection of most suitable +xÉÖ¨ÉÉäÊnùiÉ Eò®úiÉÒ ½èþ ÊVɺÉä ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ Eäò ¤ÉéEòÉå, ¤ÉÒ¨ÉÉ EÆò{ÉÊxɪÉÉå +Éè®ú candidates(s) amongst shareholders contesting election to Ê´ÉkÉÒªÉ ºÉƺlÉÉ+Éå, ÊVÉxɨÉå ¤ÉéEò Eäò ¶ÉäªÉ®ú ½éþ, EòÉ ÊxÉnäù¶ÉEò ¤ÉxÉxÉä ½äþiÉÖ SÉÖxÉÉ´É ¨Éå become Directors in Public Sector Banks, Insurance =iÉÉ®úÉ VÉÉ ºÉEäò <ºÉEäò ʱÉB ºÉʨÉÊiÉ xÉä ¨É½þÉ|ɤÉÆvÉEò (]ÅäõVÉ®úÒ) EòÉä |ÉÉÊvÉEÞòiÉ Companies and Financial Institutions (FIs) where the Bank holds share by authorizing the General Manager (Treasury) to ÊEòªÉÉ ½èþ ÊEò ´Éä ¤ÉéEò Eäò ÊEòºÉÒ +ÊvÉEòÉ®úÒ EòÉä BäºÉÒ EÆò{ÉÊxɪÉÉå, +{ÉxÉä ¤ÉéEò EòÉä authorize an officer of the Bank to represent the Bank in Annual UôÉäc÷Eò®ú, EòÒ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ +Éè®ú +ºÉÉvÉÉ®úhÉ +É¨É ºÉ¦ÉÉ ¨Éå ¤ÉéEò EòÉ General Meetings and Extraordinary General Meetings of such |ÉÊiÉÊxÉÊvÉi´É Eò®úxÉä Eäò ʱÉB |ÉÉÊvÉEÞòiÉ Eò®äú* Companies, except our own Bank. 4.14.3 ¤Éè`ööEòÉå EòÉ Ê´É´É®úhÉ : 4.14.3 Details of meetings:

01.04.2017 ºÉä 31.03.2018 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ EòÉä<Ç No meeting of the Committee was held during the period from ¤Éè`öE +ɪÉÉäÊVÉiÉ xɽþÓ EòÒ MÉ<Ç* 01.04.2017 to 31.03.2018.

4.15 BSÉ.+É®ú. ºÉƤÉÆvÉÒ º]õÒªÉË®úMÉ ºÉʨÉÊiÉ(BSÉ.+É®ú.ºÉʨÉ.) [{ÉÚ´ÉÇ ¨Éå ¤ÉÉäbÇ÷ 4.15 Steering Committee on HR (HR Comm.) [previously EòÒ BSÉ+É®ú ºÉʨÉÊiÉ BSÉ+É®ú ºÉʨÉ.) Eäò °ü{É ¨Éå YÉÉiÉ]: known as HR Committee of the Board (HR Comm.)]: ¤ÉéEò Eäò ¤ÉÉäbÇ÷ xÉä 15.07.2005 EòÉä +ɪÉÉäÊVÉiÉ +{ÉxÉÒ ¤Éè`ööEò ¨Éå ºÉ¨ÉªÉ ºÉ¨ÉªÉ The Bank's Board in its meeting held on 15.07.2005 constituted {É®ú ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ xÉÒÊiɪÉÉå EòÒ ºÉ¨ÉÒIÉÉ Eò®úxÉä +Éè®ú +vªÉIÉ B´ÉÆ |ɤÉxvÉ the HR & Compensation Committee to review the HR policies ÊxÉnäù¶ÉEò +Éè®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò B´ÉÆ ¤ÉéEò Eäò +xªÉ ´ÉÊ®ú¹`ööö EòɪÉÇ{ÉɱÉEòÉå of the Bank from time to time & the compensation structure of ½äþiÉÖ ¦ÉÒ IÉÊiÉ{ÉÚÌiÉ ºÉÆ®úSÉxÉÉ EòÒ ºÉ¨ÉÒIÉÉ ½äþiÉÖ 15.07.2005 EòÉä +ɪÉÉäÊVÉiÉ the C&MD and ED as also other senior executives. +{ÉxÉÒ ¤Éè`ööEò ¨Éå ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ B´ÉÆ |ÉÊiÉ¡ò±É ºÉʨÉÊiÉ EòÉ MÉ`ööxÉ ÊEòªÉÉ ½èþ*

139 ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú, Ê´ÉkÉ ¨ÉÆjÉɱɪÉ, +ÉÌlÉEò EòɪÉÇ Ê´É¦ÉÉMÉ (¤ÉéËEòMÉ |ɦÉÉMÉ) EòÒ As per Government of India, Ministry of Finance, Department ÊnùxÉÉÆEò 09.03.2007 EòÒ +ÊvɺÉÚSÉxÉÉ ºÉÆJªÉÉ B¡òxÉ. 20/1/2005-¤ÉÒ+Éä+É<Ç of Economic Affairs (Banking Division) notification F.No. 20/1/ 2005-BOI dated 09.03.2007, Remuneration Committee of the Eäò +xÉÖºÉÉ®ú +vªÉIÉ B´ÉÆ |ɤÉxvÉ ÊxÉnäù¶ÉEò +Éè®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòÒ Board was constituted on 23.03.2007 for looking after the IÉÊiÉ{ÉÚÌiÉ ºÉÆ®úSÉxÉÉ {É®ú Ê´ÉSÉÉ®ú Eò®úxÉä ½äþiÉÖ 23.03.2007 EòÉä ¤ÉÉäbÇ÷ EòÒ {ÉÊ®ú±ÉΤvÉ compensation structure of the C&MD and ED. Simultaneously, ºÉʨÉÊiÉ MÉÊ`ööiÉ EòÒ MÉ<Ç* <ºÉEäò ºÉÉlÉ ºÉÉlÉ ¤ÉÉä`ööÇö EòÒ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ B´ÉÆ HR & Compensation Committee of the Board was reconstituted IÉÊiÉ{ÉÚÌiÉ EòÉ xÉÉ¨É {ÉÊ®ú´ÉÌiÉiÉ Eò®ú <ºÉä ¤ÉÉäbÇ÷ EòÒ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ ºÉʨÉÊiÉ Eäò with changed name as Human Resource Committee of the Board. xÉÉ¨É ºÉä {ÉÖxÉMÉÇÊ`öiÉ ÊEòªÉÉ MɪÉÉ lÉÉ* ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú 28.02.2014 EòÉä =Hò The said committee was reconstituted further on 28.02.2014 as per directives of Reserve Bank of India so as to review HR ºÉʨÉÊiÉ EòÉ {ÉÖxÉMÉÇ`ööxÉ ÊEòªÉÉ MɪÉÉ iÉÉÊEò =tÉäMÉ ¨Éå ºÉ´ÉÉækÉ¨É {ÉÊ®ú{ÉÉÊ]õªÉÉå Eäò policies of the Bank in the context of best practices in the ºÉÆnù¦ÉÇ ¨Éå ¤ÉéEò EòÒ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ xÉÒÊiɪÉÉå EòÒ ºÉ¨ÉÒIÉÉ EòÒ VÉÉ ºÉEäò* industry.

ÊxÉnäù¶ÉEò ¨ÉÆb÷±É uùÉ®úÉ 10.11.2017 EòÉä +ɪÉÉäÊVÉiÉ +{ÉxÉÒ ¤Éè`ööEò ¨Éå +xÉÖ¨ÉÉäÊnùiÉ HR Committee of the Board was renamed as Steering {ÉÖxÉMÉÇ`ööxÉ Eäò nùÉè®úÉxÉ JÉÆbä÷±É´ÉÉ±É ºÉʨÉÊiÉ EòÒ ÊºÉ¡òÉÊ®ú¶ÉÉå Eäò +xÉÖºÉÉ®ú ¤ÉÉäbÇ÷ EòÒ Committee on HR (HR Comm.) during the reconstitution BSÉ+É®ú ºÉʨÉÊiÉ EòÉ xÉÉ¨É BSÉ.+É®ú. ºÉƤÉÆvÉÒ º]õÒªÉË®úMÉ ºÉʨÉÊiÉ(BSÉ.+É®ú.ºÉʨÉ.) approved by the Board of Directors in its meeting dated 10.11.2017 with two outstanding HR professionals from reputed ®úJÉÉ MɪÉÉ lÉÉ* companies, as per Khandelwal Committee recommendations.

½þÉ±É ½þÒ ¨Éå, 16.01.2018 EòÉä +ɪÉÉäÊVÉiÉ +{ÉxÉÒ ¤Éè`ööEò ¨Éå ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Lately, the Committee was reconstituted by the Board of uùÉ®úÉ ºÉʨÉÊiÉ EòÉ {ÉÖxÉMÉÇ`ööxÉ ÊEòªÉÉ MɪÉÉ* ºÉʨÉÊiÉ EòÉ EòÉä®ú¨É BEò ¤Éɽþ®úÒ Directors in its meeting dated 16.01.2018. The quorum of the BSÉ+É®ú |ÉÉä¡äò¶ÉxÉ±É ºÉʽþiÉ 04 ºÉnùºªÉ ½èþ* committee is 04 members including one external HR professional.

4.15.1 ¤ÉÉäbÇ÷ EòÒ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.15.1 Composition of the Steering Committee on HR:

¤ÉÉäbÇ÷ EòÒ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ ºÉʨÉÊiÉ Eäò ºÉnùºªÉ ÊxɨxÉÉxÉÖºÉÉ®ú lÉäþ:- The members of the HR Committee of the Board were as under:-

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ 1. Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 2. Shri N. K. Sahoo Executive Director 3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 3. Shri S. Harisankar Executive Director 4. ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ ºÉ®úEòÉ®ú uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEò 4. Shri Rajeev Ranjan Government Nominee Director 5. ¸ÉÒ¨ÉiÉÒ ¶É®ú¤É®úÒ ºÉɽþ ¤ÉÉÁ BSÉ+É®ú |ÉÉä¡äò¶ÉxÉ±É 5. Smt. Sharbari Saha External HR Professional 6. ¸ÉÒ ºÉÖVÉªÉ ¤ÉxÉVÉÔ ¤ÉÉÁ BSÉ+É®ú |ÉÉä¡äò¶ÉxÉ±É 6. Shri Sujoy Banerjee External HR Professional

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ uùÉ®úÉ The Committee was chaired by the Managing Director & CEO. EòÒ MÉ<Ç lÉÒþ* 4.15.2 BSÉ+É®ú ºÉƤÉÆvÉÒ º]õÒªÉË®úMÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.15.2 Function of the Steering Committee on HR: =tÉäMÉ ¨Éå ºÉ´ÉÉækÉ¨É {ÉÊ®ú{ÉÉÊ]õªÉÉå Eäò ºÉÆnù¦ÉÇ ¨Éå ¤ÉéEò EòÒ ¨ÉÉxÉ´É ºÉƺÉÉvÉxÉ xÉÒÊiɪÉÉå The Committee reviews HR policies of the Bank in the context EòÒ ºÉ¨ÉÒIÉÉ Eò®úiÉÒ ½èþ* of best practices in the industry. 4.15.3 ¤Éè`ööEòÉå EòÉ Ê´É´É®úhÉ : 4.15.3 Details of meetings: 01.04.2017 ºÉä 31.03.2018 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ BEò The Committee met once during the period from 01.04.2017 ¤Éè`ööE ÊxɨxÉÉxÉÖºÉÉ®ú +ɪÉÉäÊVÉiÉ ½Öþ<Ç* to 31.03.2018 as detailed below: Gò.ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ BSÉ+É®ú ºÉƤÉÆvÉÒ º]õÒªÉË®úMÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ºÉʨÉÊiÉ ¨ÉåäòÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl.No. Date of Meeting Number of Directors on the Steering Number of Directors Committee on HR Attended the meeting

1. 29.03.2018 6 5

4.16 ¤ÉÉäbÇ÷ EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ : 4.16 Willful Defaulters Review Committee of the Board:

¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò xÉä ""ö<®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ+Éå ºÉƤÉÆvÉÒ ¨Éɺ]õ®ú {ÉÊ®ú{ÉjÉ Eäò Reserve Bank of India vide Circular Letter No. RBI/2014-15/ ºÉƶÉÉävÉxÉ"" Eäò ºÉƤÉÆvÉ ¨Éå ÊnùxÉÉÆEò 01.07.2014 Eäò +{ÉxÉä {ÉÊ®ú{ÉjÉ ºÉÆ. +É®ú¤ÉÒ+É<Ç/ 73 DBR No. CID.BC.57/20.16.003/2014-15 Dated 01.07.2014 2014-15/73 b÷Ò¤ÉÒ+É®ú ºÉÆ. ºÉÒ+É<Çb÷Ò.¤ÉÒºÉÒ. 57/20.16.003/2014- on "Modifications of Master Circular on Wilful Defaulters" 15 Eäò iɽþiÉ ¤ÉÉäbÇ÷ EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ Eäò MÉ`xÉ Eäò ºÉƤÉÆvÉ has issued guidelines for formation of Willful Default Review Committee of the Board headed by Chairman/CEO and MD ¨Éå Ênù¶ÉÉÊxÉnæù¶É VÉÉ®úÒ ÊEòB ½éþ ÊVɺÉEòÒ +vªÉIÉiÉÉ +vªÉIÉ/ºÉÒú<Ç+Éä +Éè®ú |ɤÉÆvÉ ÊxÉnäù¶ÉEò and consisting, in addition, of two independent directors of uùÉ®úÉ EòÒ VÉÉBMÉÒ +Éè®ú <ºÉ¨Éå ¤ÉéEò Eäò nùÉä º´ÉiÉÆjÉ ÊxÉnäù¶ÉEò ¶ÉÉÊ¨É±É ½þÉåMÉä* the Bank. 140 iÉnùxÉÖºÉÉ®ú 30.03.2015 Eäò ºÉÆEò±{É Eäò iɽþiÉ ÊxÉnäù¶ÉEò ¨ÉÆb÷±É uùÉ®úÉ ¤ÉÉääbÇ÷ Accordingly, Willful Defaulters Review Committee was EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ ÊEòªÉÉ MɪÉÉ* ºÉʨÉÊiÉ EòÉ constituted by the Board of Directors vide its Resolution dated 30.03.2015. The Committee was reconstituted from time to ºÉ¨ÉªÉ ºÉ¨ÉªÉ {É®ú {ÉÖxÉMÉÇ`ööxÉ ÊEòªÉÉ MɪÉÉ* time. 4.16.1 ¤ÉÉäbÇ÷ EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ EòÉ MÉ`öxÉ : 4.16.1 Composition of the Willful Defaulters Review Committee of the Board: 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉÉäbÇ÷ EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ The members of the Willful Defaulters Review Committee of ¨Éå ÊxɨxÉʱÉÊJÉiÉ ºÉnùºªÉ lÉä : the Board as on 31.03.2018 were as under:

1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ 1. Smt. Usha Ananthasubramanian Managing Director & CEO 2. ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò 2. Shri Sarath Sura Shareholder Director 3. ¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò 3. Shri Gautam Guha Part Time Non-Official Director 4. ¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 4. Shri N. K. Sahoo Executive Director (Spl. Invitee) 5. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò 5. Shri S. Harisankar Executive Director (Spl. Invitee)

ºÉʨÉÊiÉ EòÒ +vªÉIÉiÉÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò uùÉ®úÉ EòÒ MÉ<Ç* The Committee was chaired by the Managing Director & CEO. 4.16.2 ¤ÉÉäbÇ÷ EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ Eäò EòɪÉÇ : 4.16.2 Function of the Willful Defaulters Review Committee of the Board: ºÉʨÉÊiÉ BEò EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòÒ +vªÉIÉiÉÉ ´ÉɱÉÒ +Éè®ú nùÉä ¨É½þÉ|ɤÉÆvÉEò/ The Committee reviews the order of the Internal Committee ={É ¨É½þÉ|ɤÉÆvÉEò EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉƤÉÆvÉÒ +ÉÆiÉÊ®úEò ºÉʨÉÊiÉ Eäò +Énäù¶É on Willful Default headed by an Executive Director and two EòÒ ºÉ¨ÉÒIÉÉ Eò®úiÉÒ ½èþ +Éè®ú <®úÉnùiÉxÉ SÉÚEò Eäò iÉlªÉÉå +Éè®ú =ºÉEäò EòÉ®úhÉÉå EòÉ GM/DGM recording the fact of Willful Default and the reasons of the same. +ʦɱÉäJÉ ®úJÉiÉÒ ½èþ*

4.16.3 ¤Éè`öEòÉå EòÉ Ê´É´É®úhÉ : 4.16.3 Details of meetings: 01.04.2017 ºÉä 31.03.2018 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉʨÉÊiÉ EòÒ ÊxɨxÉÉxÉÖºÉÉ®ú Committee held eight meetings during the period from 8 ¤Éè`öEåò +ɪÉÉäÊVÉiÉ EòÒ MÉ<Ç:- 01.04.2017 to 31.03.2018 as detailed below:-

Gò. ºÉÆ. ¤Éè`ööEò EòÒ ÊiÉÊlÉ ¤ÉÉäbÇ÷ EòÒ <®úÉnùiÉxÉ SÉÚEòEòiÉÉÇ ºÉ¨ÉÒIÉÉ ºÉʨÉÊiÉ ¨Éå ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ÊxÉnäù¶ÉEòÉå EòÒ ºÉÆJªÉÉ Sl. No. Date of meeting Number of Directors on the Willful Defaulters Number of Directors Review Committee of Board Attended the meeting

1 28.06.2017 5 5 2 11.08.2017 5 4 3 20.09.2017 5 5 4 30.10.2017 5 5 5 12.12.2017 5 5 6 16.01.2018 5 5 7 28.02.2018 5 4 8 22.03.2018 5 4

5. ÊxÉnäù¶ÉEòÉå EòÒ {ÉÊ®ú±ÉΤvɪÉÉÄ : 5. Remuneration to Directors & Familiarization Programmes: MÉè®ú-EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEòÉå EòÉä ªÉÉjÉÉ B´ÉÆ Ê´É®úÉ¨É ¦ÉkÉÉå ºÉʽþiÉ nùÒ VÉÉxÉä The remuneration including traveling and halting ´ÉɱÉÒ {ÉÊ®ú±ÉΤvɪÉÉå EòÉ ¦ÉÖMÉiÉÉxÉ ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú/¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò expenses to the Non-Executive Directors is paid as per Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú EòÒ VÉÉ ®ú½þÒ ½éþ* Government of India /RBI guidelines. 5.1 ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò Eäò Ê´ÉMÉiÉ B´ÉÆ ´ÉiÉǨÉÉxÉ {ÉÚhÉÇEòÉʱÉEò 5.1 The details of salary including incentives paid to the ÊxÉnäù¶ÉEòÉå +lÉÉÇiÉ +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò, |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ Whole-Time Directors of the Bank past and present, i.e. Chairman and Managing Director (CMD)/ Managing

141 ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ B´ÉÆ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòÉä ¦ÉÖMÉiÉÉxÉ Director & CEO and Executive Directors (EDs) during the ÊEòB MÉB ´ÉäiÉxÉ B´ÉÆ |ÉÉäiºÉɽþxÉ EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ: financial year 2017-18 are as under: Gò¨É xÉÉ¨É ¨ÉÚ±É ´ÉäiÉxÉ ¨ÉƽþMÉÉ<Ç ¦ÉkÉÉ ¤ÉEòɪÉÉ |ÉÉäiºÉɽþxÉ +´ÉEòÉ¶É EÖò±É ºÉÆ. xÉEònùÒEò®úhÉ Sl. Name Basic Pay Dearness Arrear Incentives Leave Total No. Allowance Encashment (`)(`)(`)(`) (`) (`) 1. ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ (|ÉÊxÉ B´ÉÆ ¨ÉÖEòÉ+)

Smt. Usha Ananthasubramanian (MD&CEO) 2420254.84 110274.19 *6732.00 ------2537261.03

2. ¸ÉÒ BxÉ. Eäò. ºÉɽÚþ (EòÉ.ÊxÉ.) Shri N. K. Sahoo (ED) 2234700.00 100644.00 *16554.00 ------2351898.00

3. ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®úþ (EòÉ.ÊxÉ.) Shri S. Harisankar (ED) 2121600.00 95472.00 *10229.15 ------2227301.15

4. ¸ÉÒ ®úÉEäò¶É ºÉä`ööÒ (¦ÉÚ.{ÉÚ. +.|É.ÊxÉ.) Shri Rakesh Sethi, Ex-CMD 211600.00 8464.00 *12696.00 ----- 1210352.00 1443112.00

5. ¸ÉÒ VÉä. Eäò. ˺ɽþ JɤÉÇ (¦ÉÚ.{ÉÚ. EòÉ.ÊxÉ.) Shri J.K. Singh Kharb, (Ex-ED) ------#156975.00 ----- 409477.05 566452.05

*¨ÉƽþMÉÉ<Ç ¦ÉkÉÉ ¤ÉEòɪÉÉ # ´ÉäiÉxÉ ¤ÉEòɪÉÉ * Dearness Allowance Arrear. # Salary Arrear ´ÉiÉǨÉÉxÉ ¨Éå +{ÉxÉä ÊxÉnäù¶ÉEòÉå Eäò ʱÉB ¤ÉéEò EòÉ EòÉä<Ç º]õÉEò +É{¶ÉxÉ {±ÉÉxÉ xɽþÓ At present, the Bank does not have Stock Option Plan for its ½èþ* directors.

{ÉÚhÉÇEòÉʱÉEò ÊxÉnäù¶ÉEòÉå EòÉä ¦ÉÖMÉiÉÉxÉ ÊEòB MÉB ´ÉäiÉxÉ +Éè®ú |ÉÉäiºÉɽþxÉ ®úÉ榃 The Salary and incentives paid to the Whole Time Directors ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ½èþ* are as per Government of India guidelines.

5.2 ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú 27.07.2015 ºÉä MÉè®ú- 5.2 As per Government of India guidelines, the Non- EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEòÉå EòÉä |ÉiªÉäEò ¤ÉÉäbÇ÷ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ½þÉäxÉä ½äþiÉÖ Executive Directors are being paid a sitting fee of ` `20,000/- +Éè®ú ¤ÉÉäbÇ÷ EòÒ ºÉʨÉÊiÉ EòÒ ¤Éè`ööEò ¨Éå ={ÉκlÉiÉ ½þÉäxÉä ½äþiÉÖ 20,000/- for attending each Board Meetings and `10000/- for Committee Meetings with effect from `10,000/- EòÉ ¦ÉÖMÉiÉÉxÉ ÊEòªÉÉ VÉÉ ®ú½þÉ ½èþ* iÉlÉÉÊ{É, ¤ÉéEòEòÉ®úÒ EÆò{ÉxÉÒ 20.07.2015. Sitting fees are, however, not paid to the (={ÉGò¨ÉÉå EòÉ +VÉÇxÉ +Éè®ú +ÆiÉ®úhÉ) +ÊvÉÊxÉªÉ¨É 1970 EòÒ vÉÉ®úÉ 9(3)(¤ÉÒ) Managing Director & CEO, Executive Directors of the +Éè®ú 9(3)(ºÉÒ) Eäò +ÆiÉMÉÇiÉ Gò¨É¶É. ¤ÉéEò Eäò +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò, Bank, Government Nominee Director and Government EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò +Éè®ú ºÉ®úEòÉ®ú +Éè®ú ¦ÉÉÊ®ú¤Éé uùÉ®úÉ xÉÉʨÉiÉ ÊxÉnäù¶ÉEòÉå, nominated RBI Nominee Director appointed/nominated EòÉä ʺÉË]õMÉ ¶ÉÖ±Eò EòÉ ¦ÉÖÖMÉiÉÉxÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ ½èþ* under Section 9(3)(b) & 9(3)(c) of the Banking Companies (Acquisition and transfer of Undertakings) Act, 1970 respectively.

5.3 º´ÉiÉÆjÉ ÊxÉnäù¶ÉEòÉå Eäò ʱÉB ÊEòB MÉB ¡òäʨÉʱɪɮúÉ

142 6. VÉxÉ®ú±É ¤ÉÉìb÷Ò ¤Éè`öEåò: 6 General Body Meetings: 6.1 ¤ÉéEò EòÒ Ê´ÉMÉiÉ iÉÒxÉ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ+Éå EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖÖºÉÉ®ú 6.1 Particulars of past three Annual General Meetings of the ½þèþ:- Bank. ¤Éè`öEò EòÉ º´É°ü{É iÉÉ®úÒJÉ B´ÉÆ ºÉ¨ÉªÉ ºlÉÉxÉ |ɪÉÉäVÉxÉ Nature of Meeting Date and Time Venue Purpose

iÉä®ú½þ´ÉÓ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ MÉÖ¯û´ÉÉ®, 26 VÉÚxÉ, 2015 ¦ÉɹÉÉ ¦É´ÉxÉ +ÉÊb÷]õÉäÊ®úªÉ¨É, 31.03.2015 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò Eäò iÉÖ±ÉxÉ {ÉjÉ, 31 ¨ÉÉSÉÇ, {ÉÚ´ÉÉǼxÉ 10.30 ¤ÉVÉä xÉä¶ÉxÉ±É ±ÉÉ<¥Éä®úÒ, ¤Éä±É´ÉäÊb÷ªÉ® ®úÉäb÷, 2015 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ¤ÉéEò Eäò ±ÉÉ¦É ½þÉÊxÉ ±ÉäJÉÉ, ±ÉäJÉÉ+Éå +±ÉÒ{ÉÖ®ú, EòÉä±ÉEòÉiÉÉ-700027 uùÉ®úÉ Eò´É®ú EòÒ MÉ<Ç +´ÉÊvÉ ½äþiÉÖ ¤ÉéEò Eäò ÊGòªÉÉ Eò±ÉÉ{É Eäò ºÉƤÉÆvÉ ¨Éå ÊxÉnäù¶ÉEò ¨ÉÆb÷±É EòÒ Ê®ú{ÉÉä]Çõ iÉlÉÉ ±ÉäJÉÉ+Éå B´ÉÆ iÉÖ±ÉxÉ{ÉjÉ {É®ú ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ {É®ú SÉSÉÉÇ, +xÉÖ¨ÉÉänùxÉ +Éè®ú +ÆMÉÒEò®úhÉ iÉlÉÉ <ÎC´É]õÒ ¶ÉäªÉ®úÉå {É®ú ±ÉɦÉÉÆ¶É PÉÉäʹÉiÉ Eò®úxÉÉ*

Thirteenth Annual Friday, the 26th Bhasha Bhavan Auditorium To discuss, approve and adopt the Balance Sheet General Meeting June, 2015, 10.30 A.M. National Library, Belvedere of the Bank as at 31.03.2015, Profit and Loss Road, Alipore, Account of the Bank for the year ended 31st March, Kolkata-700 027 2015, the Report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditor's Report and to declare Dividend on Equity Shares. SÉÉènù½þ´ÉÓ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ ¤ÉÖvÉ´ÉÉ®úúúúú 29 VÉÚxÉ, 2016 ¦ÉɹÉÉ ¦É´ÉxÉ +ÉÊb÷]õÉäÊ®úªÉ¨É, 31.03.2016 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò Eäò iÉÖ±ÉxÉ {ÉjÉ, 31 ¨ÉÉSÉÇ, {ÉÚ´ÉÉǼxÉ 10.30 ¤ÉVÉä xÉä¶ÉxÉ±É ±ÉÉ<¥Éä®úÒ, ¤Éä±É´ÉäÊb÷ªÉ® ®úÉäb÷ 2016 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ¤ÉéEò Eäò ±ÉÉ¦É ½þÉÊxÉ ±ÉäJÉÉ, ±ÉäJÉÉ+Éå +±ÉÒ{ÉÖ®ú, EòÉä±ÉEòÉiÉÉ-700027 uùÉ®úÉ Eò´É®ú EòÒ MÉ<Ç +´ÉÊvÉ ½äþiÉÖ ¤ÉéEò Eäò ÊGòªÉÉ Eò±ÉÉ{É Eäò ºÉƤÉÆvÉ ¨Éå ÊxÉnäù¶ÉEò ¨ÉÆb÷±É EòÒ Ê®ú{ÉÉä]Çõ iÉlÉÉ ±ÉäJÉÉ+Éå B´ÉÆ iÉÖ±ÉxÉ{ÉjÉ {É®ú ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ {É®ú SÉSÉÉÇ, +xÉÖ¨ÉÉänùxÉ +Éè®ú +ÆMÉÒEò®úhÉ*

Fourteenth Annual Wednesday, the Bhasha Bhavan Auditorium, To discuss, approve and adopt the Balance Sheet General Meeting 29th June, 2016, National Library, of the Bank as at 31.03.2016, Profit and Loss 10.30 A.M. Belvedere Road, Alipore, Account of the Bank for the year ended 31st Kolkata- 700027 March, 2016, the Report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditor's Report. |ÉÆpùù½þ´ÉÓ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ ¤ÉÖvÉ´ÉÉ®úúúúú 28 VÉÚxÉ, 2017 ¦ÉɹÉÉ ¦É´ÉxÉ +ÉÊb÷]õÉäÊ®úªÉ¨É, 1. 31.03.2017 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò Eäò iÉÖ±ÉxÉ {ÉjÉ, 31¨ÉÉSÉÇ, {ÉÚ´ÉÉǼxÉ 10.30 ¤ÉVÉä xÉä¶ÉxÉ±É ±ÉÉ<¥Éä®úÒ, ¤Éä±É´ÉäÊb÷ªÉ® ®úÉäb÷ 2017 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ¤ÉéEò Eäò ±ÉÉ¦É ½þÉÊxÉ ±ÉäJÉÉ, +±ÉÒ{ÉÖ®ú, EòÉä±ÉEòÉiÉÉ-700027 ±ÉäJÉÉ+Éå uùÉ®úÉ Eò´É®ú EòÒ MÉ<Ç +´ÉÊvÉ ½äþiÉÖ ¤ÉéEò Eäò ÊGòªÉÉ Eò±ÉÉ{É Eäò ºÉƤÉÆvÉ ¨Éå ÊxÉnäù¶ÉEò ¨ÉÆb÷±É EòÒ Ê®ú{ÉÉä]Çõ iÉlÉÉ ±ÉäJÉÉ+Éå B´ÉÆ iÉÖ±ÉxÉ{ÉjÉ {É®ú ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ Ê®ú{ÉÉä]Çõ {É®ú SÉSÉÉÇ, +xÉÖ¨ÉÉänùxÉ +Éè®ú +ÆMÉÒEò®úhÉ* 2. CªÉÚ+É<Ç{ÉÒ/B¡ò{ÉÒ+Éä/®úÉ<]õ <¶ªÉÚ +ÉÊnù Eäò ¨ÉÉvªÉ¨É ºÉä {ÉÚÆVÉÒ VÉÖ]õÉxÉÉ*

Fifteenth Annual Wednesay, the 28th Bhasha Bhavan Auditorium, 1. To discuss, approve and adopt the Balance General Meeting June, 2017, National Library, Sheet of the Bank as at 31.03.2017, Profit 10.30 A.M. Belvedere Road, Alipore, and Loss Account of the Bank for the year Kolkata- 700027 ended 31st March, 2017, the Report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditor's Report and 2. To raise equity capital through QIP/FPO/ Rights issue etc.

6.2 ÊnùxÉÉÆEò 28.06.2017 EòÒ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ ¨Éå CªÉÚ+É<Ç{ÉÒ/B¡ò{ÉÒ+Éä/ 6.2 Except the Special Resolution related to raising of equity ®úÉ<]õ <¶ªÉÚ +ÉÊnù Eäò ¨ÉÉvªÉ¨É ºÉä {ÉÚÆVÉÒ VÉÖ]õÉxÉä ºÉä ºÉƤÉÆÊvÉiÉ Ê´É¶Éä¹É capital through QIP/ FPO/ Rights issue etc. passed in the ºÉÆEò±{É Eäò +±ÉÉ´ÉÉ, ={ɪÉÖÇHò iÉÒxÉ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ+Éå ¨Éå EòÉä<Ç Ê´É¶Éä¹É Annual General Meeting dated 28.06.2017, No other special resolution was passed in aforementioned three ºÉÆEò±{É {ÉÉÊ®úiÉ xɽþÓ ÊEòªÉÉ MɪÉÉ lÉÉ* Annual General Meetings. 143 6.3 28.06.2017 EòÉä +ɪÉÉäÊVÉiÉ Ê{ÉUô±ÉÒ ´ÉÉ̹ÉEò ºÉÉvÉÉ®úhÉ ¤Éè`ööEò ¨Éå 6.3 The following Directors were present in the last Annual ÊxɨxÉʱÉÊJÉiÉ ÊxÉnäù¶ÉEò ={ÉκlÉiÉ lÉä :- General Meeting held on 28.06.2017:

¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnä¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Smt. Usha Ananthasubramanian Managing Director & CEO

¸ÉÒ BxÉ.Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri N. K. Sahoo Executive Director

¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri S. Harisankar Executive Director

|ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÉÇ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒú ÊxÉnäù¶ÉEò Prof. Radha R. Sharma Part Time Non-official Director

¸ÉÒ MÉÉèiÉ¨É MÉÖ½þÉ +ƶÉEòÉʱÉEò MÉè®ú ºÉ®úEòÉ®úÒ ÊxÉnäù¶ÉEò Shri Gautam Guha Part Time Non-official Director b÷÷É. ʤÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Dr. Bijaya Kumar Sahoo Shareholder Director

¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEòþò Shri Sarath Sura Shareholder Director

¸ÉÒ {É®ú´ÉÒxÉ EÖò¨ÉÉ®ú UôÉäEò®úÉ ¶ÉäªÉ®úvÉÉ®úEò ÊxÉnäù¶ÉEò Shri Parveen Kumar Chhokra Shareholder Director

6.4 Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ {ÉÉäº]õ±É ¤Éè±É]õ uùÉ®úÉ EòÉä<Ç Ê´É¶Éä¹É 6.4 No Special Resolution was passed by postal ballot during ºÉÆEò±{É {ÉÉÊ®úiÉ xɽþÓ ÊEòªÉÉ MɪÉÉ* iÉlÉÉÊ{É ¤ÉéEò Eäò ¶ÉäªÉ®úvÉÉ®úEòÉå xÉä the financial year 2017-18. However, the shareholders ÊxɨxÉʱÉÊJÉiÉ Ê´É¶Éä¹É ºÉÆEò±{É {ÉÉÊ®úiÉ ÊEòB: of the Bank passed the following Special Resolutions: 6.4.1 17.05.2017 EòÉä +ɪÉÉäÊVÉiÉ +ºÉÉvÉÉ®úhÉ +É¨É ºÉ¦ÉÉ ¨Éå : 6.4.1 In the Extraordinary General Meeting held on 17.05.2017: ªÉlÉÉ ºÉƶÉÉäÊvÉiÉ, ºÉä¤ÉÒ (+É<ǺÉÒb÷Ò+É®ú) Ê´ÉÊxɪɨÉ, 2009 Eäò Ê´ÉÊxÉªÉ¨É To create, offer, issue and allot 5,65,24,678 (Five crore 76(1) Eäò +xÉÖºÉÉ®ú ÊxÉvÉÉÇÊ®úiÉ |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ® `63.95 (¯û{ɪÉä sixty five lakh twenty four thousand six hundred seventy ` ÊiÉ®ºÉ`öö BÆ´É {ÉèºÉä {ÉÆSÉÉxÉ´Éä ¨ÉÉjÉ)ú Eäò |ÉÒÊ¨ÉªÉ¨É ºÉʽþiÉ, `73.95 eight) equity shares of face value of 10/-(Rupees ten only) each for cash at an Issue Price of `73.95 (Rupees (¯û{ɪÉä ÊiɽþkÉ®ú BÆ´É {ÉèºÉä {ÉÆSÉÉxÉ´Éä ¨ÉÉjÉ) |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ®ú Eäò ÊxÉMÉÇ¨É seventy three and paise ninety five only) per equity share ¨ÉÚ±ªÉ {É®, `10/- (¯û{ɪÉä nùºÉ ¨ÉÉjÉ) |ÉiªÉäEò Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò including a premium of `63.95 (Rupees sixty three and 5,65,24,678 ({ÉÉÄSÉ Eò®úÉäc÷ {ÉèºÉ`öö ±ÉÉJÉ SÉÉè¤ÉÒºÉ ½þVÉÉ®ú Uô½þ ºÉÉè paise ninety five only) per equity share determined in +`öö½þkÉ®) <ÎC´É]õÒõ ¶ÉäªÉ®úÉäÆ EòÉ xÉEònù +ÉvÉÉ®ú {É®ú ¦ÉÉ®úiÉ ºÉ®úEòÉ® accordance with Regulation 76 (1) of SEBI (ICDR) Regulations, 2009, as amended, aggregating upto ú(¦ÉÉ®úiÉ Eäò ®úɹ]Åõõ{ÉÊiÉ) EòÉä +ÊvɨÉÉxÉÒ +ÉvÉÉ®ú {É® ºÉÆEòʱÉiÉ `418.00 `418.00 crore (Rupees four hundred eighteen crore only) Eò®úÉäc (¯û{ɪÉä SÉÉ®ú ºÉÉè +`ööÉ®½þ Eò®úÉäc÷ ¨ÉÉjÉ) iÉEò ºÉÞÊVÉiÉ, |ɺiÉÉÊ´ÉiÉ, on preferential basis to Government of India (President VÉÉ®úÒ B´ÉÆ +ɤÉÆÊ]õiÉ Eò®úxÉÉ* of India). 6.4.2 17.01.2018 EòÉä +ɪÉÉäÊVÉiÉ +ºÉÉvÉÉ®úhÉ +É¨É ºÉ¦ÉÉ ¨Éå : 6.4.2 In the Extraordinary General Meeting held on 17.01.2018: Eò¨ÉÇSÉÉ®úÒ ¶ÉäªÉ®ú GòªÉ ªÉÉäVÉxÉÉ (ÊVɺÉä <ºÉ¨Éå <ºÉEäò ¤ÉÉnù “+ɱɤÉéEò- To create, grant offer, issue and allot up to 5,00,00,000 <ÇBºÉ{ÉÒBºÉ” Eäò °ü{É ¨Éå ºÉÆnù̦ÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ) Eäò +ÆiÉMÉÇiÉ BäºÉÒ (Five crore) new equity shares of face value of `10/- EòÒ¨ÉiÉ +lÉ´ÉÉ EòÒ¨ÉiÉÉå {É®ú ¤ÉÉäbÇ÷/ºÉʨÉÊiÉ uùÉ®úÉ +{ÉxÉä ºÉÆ{ÉÚhÉÇ Ê´É´ÉäEòÉÊvÉEòÉ®ú (Rupees Ten only) each, ranking pari passu with the Eäò +xÉÖºÉÉ®ú ªÉlÉÉÊxÉhÉÔiÉ ÊxɤÉÆvÉxÉÉå +Éè®ú ¶ÉiÉÉç {É®ú ±ÉɦÉÉÆ¶É Eäò ¦ÉÖMÉiÉÉxÉ existing equity shares of the Bank for all purpose and in ºÉʽþiÉ ºÉ¨ÉºiÉ |ɪÉÉäVÉxÉÉå +Éè®ú ½þ®ú |ÉEòÉ®ú ºÉä ¤ÉéEò Eäò ¨ÉÉèVÉÚnùÉ <ÎC´É]õÒ all respects, including payment of dividend, under an Employee Share Purchase Scheme (AllBank-ESPS) in ¶ÉäªÉ®úÉå EòÒ ºÉ¨É¨ÉÉjÉÉ ®éúËEòMÉ Eäò ºÉÉlÉ `10/- (¯û{ɪÉä nùºÉ ¨ÉÉjÉ) one or more tranches, at such price or prices, and on |ÉiªÉäEò Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò 5,0000000({ÉÉÆSÉ Eò®úÉäc÷) iÉEò Eäò xÉB such terms and conditions as may be decided by the <ÎC´É]õÒõ ¶ÉäªÉ®úÉäÆ EòÉ ºÉÞVÉxÉ, |ÉnùÉxÉ |ɺiÉÉ´É, ÊxÉMÉÇ¨É B´ÉÆ +ɤÉÆ]õxÉ* Board/Committee in its absolute discretion. 6.4.2 In the Extraordinary General Meeting held on 6.4.3 21.03.2018 EòÉä +ɪÉÉäÊVÉiÉ +ºÉÉvÉÉ®úhÉ +É¨É ºÉ¦ÉÉ ¨Éå : 21.03.2018: To create, offer, issue and allot 21,07,33,352 (Twenty ªÉlÉÉ ºÉƶÉÉäÊvÉiÉ, ºÉä¤ÉÒ (+É<ǺÉÒb÷Ò+É®ú) Ê´ÉÊxɪɨÉ, 2009 Eäò Ê´ÉÊxÉªÉ¨É one crore seven lakh thirty three thousand three hundred 76(1) Eäò +xÉÖºÉÉ®ú ÊxÉvÉÉÇÊ®úiÉ |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ® `61.18 (¯û{ɪÉä fifty two) equity shares of face value of `10/-(Rupees

144 Eò®úÉäc (¯û{ɪÉä {ÉÆpù½þú ºÉÉè þ Eò®úÉäc÷ ¨ÉÉjÉ) iÉEò ºÉÞÊVÉiÉ, |ɺiÉÉÊ´ÉiÉ, VÉÉ®úÒ preferential basis to Government of India (President of B´ÉÆ +ɤÉÆÊ]õiÉ Eò®úxÉÉ* India).

7. δ½þºÉ±É ¤±ÉÉä+®ú xÉÒÊiÉ : 7. Whistle Blower Policy: ¤ÉéEò +{ÉxÉÒ ºÉ¦ÉÒ MÉÊiÉÊ´ÉÊvɪÉÉå +Éè®ú {ÉÊ®úSÉɱÉxÉ ¨Éå, VÉÉä ªÉ½þ ºÉÆSÉÉʱÉiÉ The Bank is committed to the highest standards of ethics, Eò®úiÉÉ ½èþ, ºÉ´ÉÉæSSÉ xÉÒÊiÉ{É®úEò ¨ÉÉxÉnÆùb÷Éå, Êxɹ`ööÉ B´ÉÆ ´ªÉɴɺÉÉʪÉEòiÉÉ integrity and professionalism in all the activities and Eäò ʱÉB |ÉÊiɤÉrù ½èþ +Éè®ú <ºÉxÉä ¤ÉéEò Eäò Eò¨ÉÇSÉÉÊ®úªÉÉå/+ÊvÉEòÉÊ®úªÉÉå operations that it conducts and has defined systems and uùÉ®úÉ §É¹]õÉSÉÉ®ú, EònùÉSÉÉ®ú, +ÊvÉEòÉ®úÉå Eäò nÖù¯û{ɪÉÉäMÉ EòÉä ®úÉäEòxÉä Eäò procedures in place to root out corruption, malpractices ʱÉB |ÉhÉÉʱɪÉÉÆ +Éè®ú |ÉÊGòªÉÉÊ´ÉÊvɪÉÉÆ ÊxÉvÉÉÇÊ®úiÉ EòÒ ½éþ* ¤ÉéEò xÉä º]õÉ¡ò and abuse of authority by the employees/ officers in the ºÉnùºªÉÉå/+ÊvÉEòÉÊ®úªÉÉå, OÉɽþEòÉå +Éè®ú ¤ÉéEò Eäò ºÉÆ{ÉEÇò ¨Éå +ÉxÉä ´ÉɱÉÒ Bank. The Bank encourages an open and transparent system of working and dealings between the members +É¨É VÉxÉiÉÉ Eäò ºÉnùºªÉÉå Eäò ¤ÉÒSÉ EòɪÉÇ Eò®úiÉä ºÉ¨ÉªÉ +lÉ´ÉÉ ±ÉäxÉnäùxÉ of staff/officers, customers and members of general Eò®úiÉä ºÉ¨ÉªÉ ¨ÉÖHò B´ÉÆ {ÉÉ®únù¶ÉÔ |ÉhÉɱÉÒ EòÉä |ÉÉäiºÉÉʽþiÉ ÊEòªÉÉ ½èþäþ* public coming into contact with the Bank. ¤ÉéEò EäòxpùÒªÉ ºÉiÉEÇòiÉÉ +ɪÉÉäMÉ EòÒ {ÉÊ®úÊvÉ ¨Éå +ÉiÉÉ ½èþ +Éè®ú <ºÉ |ÉEòÉ®ú ¤ÉéEò xÉä <ºÉ ºÉƤÉÆvÉ ¨Éå ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæ¶ÉÉå Eäò The Bank comes within the purview of Central Vigilance Commission. As such, the Bank has framed a Whistle +xÉÖºÉÉ®ú BEò δ½þºÉ±É ¤±ÉÉä+®ú {ÉÉʱɺÉÒ iÉèªÉÉ®ú EòÒ ½èþ* {ÉÉʱɺÉÒ EòÉ Blower Policy in line with the Govt. of India guidelines in xÉÉ¨É ½èþ +É±É ¤ÉéEò δ½þºÉ±É ¤±ÉÉä+®ú {ÉÉʱɺÉÒ ÊVɺÉEòÉ =qäù¶ªÉ ½èþ this regard. The policy namely 'ALL-Bank Whistle Blower Ê´É{ÉlÉxÉ EòÉ iÉÖ®ÆúiÉ {ÉiÉÉ ±ÉMÉÉxÉÉ +Éè®ú =ºÉEòÉ xªÉÚxÉiÉ¨É ºÉÆ¦É´É ºÉ¨ÉªÉ ¨Éå Policy' aims at quickly spotting aberrations and dealing ÊxÉ{É]õÉxÉ Eò®úxÉÉ* ¤ÉéEò Eäò +ÊvÉEòÉÊ®úªÉÉå B´ÉÆ Eò¨ÉÇSÉÉÊ®úªÉÉå ¨Éå ªÉ½þ |ÉSÉÉÊ®úiÉ with it in the shortest possible time. It has been ÊEòªÉÉ MɪÉÉ ½èþ ÊEò =xÉEäò uùÉ®úÉ xÉɨÉÉå Eäò |ÉEò]õÒEò®úhÉ EòÒ MÉÉä{ÉxÉÒªÉiÉÉ disseminated among the employees and officers of the ºÉÖÊxÉζSÉiÉ EòÒ VÉÉBMÉÒ +Éè®ú δ½þºÉ±É ¤±ÉÉä+® EòÉä ÊEòºÉÒ |ÉEòÉ®ú Eäò Bank ensuring them full confidentiality against disclosure ´ªÉÊHòMÉiÉ |ÉÊiɶÉÉävÉ, VÉèºÉä +{ɨÉÉÊxÉiÉ Eò®úxÉÉ, {É®äú¶ÉÉxÉ Eò®úxÉÉ +lÉ´ÉÉ of names and protection to the Whistle Blower against +xªÉ +xÉÖÊSÉiÉ EòÉ®Çú´ÉÉ<Ç Eò®úxÉÉ +lÉ´ÉÉ =ºÉEäò ºÉÉ´ÉÇVÉÊxÉEò ʽþiÉ any personal vindictive actions such as humiliation, |ÉEò]õÒEò®úhÉ Eäò EòÉ®úhÉ ½Öþ<Ç ½þÉÊxÉ EòÒ ¦É®ú{ÉÉ<Ç Eò®úÉxÉä VÉèºÉÒ EòÉ®Çú´ÉÉ<Ç harassment or any other form of unfair treatment or subjecting to any kind of loss on account of his public ºÉä ºÉÆ®úIÉhÉ |ÉnùÉxÉ ÊEòªÉÉ VÉÉBMÉÉ* xÉÒÊiÉ EòÒ Ê´É¹ÉªÉ´ÉºiÉÖ ¤ÉéEò Eäò interest disclosures. The content of the policy is made ´Éä¤ÉºÉÉ<]õ www.allahabadbank.in {É®ú ={ɱɤvÉ ½èþ* available on Bank's website www.allahabadbank.in.

¤ÉéEò Eäò ÊEòºÉÒ ¦ÉÒ EòĘ́ÉEò EòÉä ±ÉäJÉÉ{É®úÒIÉÉ ºÉʨÉÊiÉ ºÉä ʨɱÉxÉä ºÉä No personnel of the Bank have been denied access to ´ÉÆÊSÉiÉú xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ* the Audit Committee.

8. |ÉEò]õÒEò®úhÉ : 8. Disclosures:

¤ÉéEò xÉä ºÉɨÉÉxªÉ ¤ÉéËEòMÉ ´ªÉ´ÉºÉÉªÉ ¨Éå ÊEòB VÉÉxÉä ´ÉɱÉä EòɪÉÉç ºÉä

´É¹ÉÇ 2017-18 ½äþiÉÖ EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉçºÉ EòÒ ÎºlÉÊiÉ Eäò +xÉÖ{ÉɱÉxÉ {É®ú A certificate of the Statutory Central Auditors on ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ {É®úÒIÉEòÉå EòÉ |ɨÉÉhÉ{ÉjÉ <ºÉ Ê®ú{ÉÉä]Çõ Eäò Corporate Governance for the year 2017-18 is annexed ºÉÉlÉ ºÉƱÉMxÉ ½èþ* to this report. ¤ÉéEò Eäò |ɤÉÆvÉ ÊxÉnäù¶ÉEò +Éè®ú ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ iÉlÉÉ ¨ÉÖJªÉ A Compliance Certificate from the Managing Director & Ê´ÉkÉ +ÊvÉEòÉ®úÒ EòÉ, ¦ÉÉ®úiÉÒªÉ |ÉÊiɦÉÚÊiÉ B´ÉÆ Ê´ÉÊxÉ¨ÉªÉ ¤ÉÉäbÇ÷ (ºÉÚSÉÒ¤ÉrùiÉÉ CEO of the Bank and Chief Financial Officer as stipulated ¤ÉÉvªÉiÉÉBÆ B´ÉÆ |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆ) Ê´ÉÊxÉªÉ¨É 2015 Eäò Ê´ÉÊxÉªÉ¨É in Regulation 33(2) read with Regulation 17(8) of 17(8) Eäò ºÉÉlÉ {ÉÊ`ööiÉ Ê´ÉÊxÉªÉ¨É 33(2) ¨Éå ªÉlÉÉÊxÉvÉÉÇ®úiÉ |ɨÉÉhÉ{ÉjÉ Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, ú ¤ÉÉäbÇ÷ Eäò ºÉ¨ÉIÉ |ɺiÉÖiÉ ÊEòªÉÉ MɪÉÉ VÉÉä <ºÉ ´ÉÉ̹ÉEò Ê®ú{ÉÉä]Çõ Eäò ºÉÉlÉ 2015 has been placed before the Board and is annexd ºÉƱÉMxÉ ½èþ* to the Annual Report.

|ɤÉÆvÉxÉ SÉSÉÉÇ +Éè®ú ʴɶ±Éä¹ÉhÉ Ê®ú{ÉÉä]Çõ ´ÉÉ̹ÉEò |ÉÊiÉ´ÉänùxÉ EòÉ +Æ¶É ½èþäþ* Management discussion and analysis forms part of the Annual Report.

145 9. ºÉÆ|Éä¹ÉhÉ Eäò ¨ÉÉvªÉ¨É : 9. Means of Communication:: ¤ÉéEò |ÉÉètÉäÊMÉEòÒ +Éè®ú ºÉÆSÉÉ®ú ¨ÉÉvªÉ¨ÉÉå Eäò =zɪÉxÉ +Éè®ú Ê´ÉEòÉºÉ ºÉä The Bank appreciates the benefit accruing to the society ºÉ¨ÉÉVÉ EòÉä ʨɱÉxÉä ´ÉɱÉä ±ÉɦÉÉå EòÉä ¨ÉÉxÉiÉÉ ½èþ +Éè®ú <ºÉEäò ºÉÉlÉ ½þÒ with the advent and advancement of technology and ¤ÉéEò xÉä +{ÉxÉä ʽþiÉúvÉÉ®úEòÉå EòÉä =xÉEäò ºÉƤÉÆvÉ ¨Éå +xªÉ ºÉÚSÉxÉÉBÄ |ÉnùÉxÉ means of communications and further recognizes the Eò®úxÉä EòÒ +ɴɶªÉEòiÉÉ EòÉä ¦ÉÒ º´ÉÒEòÉ®ú ÊEòªÉÉ ½èþ* ¤ÉéEò º]õÉìEò need of keeping its stakeholders informed of the events BCºÉSÉåVÉÉå +lÉÉÇiÉ BxÉBºÉ<Ç +Éè®ú ¤ÉÒBºÉ<Ç EòÉä ÊiɨÉɽþÒ/Uô¨ÉɽþÒ/ of their interest. The quarterly/half yearly/ annual financial results of the Bank are submitted to the Stock Exchanges ´ÉÉ̹ÉEò Ê´ÉkÉÒªÉ {ÉÊ®úhÉÉ¨É |ÉäʹÉiÉ Eò®úiÉÉ ½èþ VɽþÉÄ ¤ÉéEò Eäò ¶ÉäªÉ®ú ºÉÚSÉÒ¤Érù namely NSE and BSE, where the equity shares of the ½éþ* Ê´ÉkÉÒªÉ {ÉÊ®úhÉÉ¨É ºÉÉÆÊ´ÉÊvÉEò +{ÉäIÉÉ Eäò +xÉÖºÉÉ®ú BEò ®úɹ]ÅõÒªÉ Bank are listed. The Financial Results are published in ºÉ¨ÉÉSÉÉ®ú {ÉjÉ ¨Éå iÉlÉÉ BEò EòÉä±ÉEòÉiÉÉ ÎºlÉiÉ IÉäjÉÒªÉ ¦ÉɹÉÉ Eäò one national newspaper and one regional language ºÉ¨ÉÉSÉÉ®ú {ÉjÉ ¨Éå |ÉEòÉʶÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* ´É¹ÉÇ 2017-2018 Eäò newspaper based at Kolkata as per statutory nùÉè®úÉxÉ ÊiɨÉɽþÒ Ê´ÉkÉÒªÉ {ÉÊ®úhÉÉ¨É +OÉhÉÒ ºÉ¨ÉÉSÉÉ®ú {ÉjÉÉå ¨Éå |ÉEòÉʶÉiÉ requirement. During the financial year 2017-18, the quarterly/half yearly financial results were published in ÊEòB MÉB ½éþ +lÉÉÇiÉ ‘‘ʤÉVÉxÉäºÉ ±ÉÉ

10. ¶ÉäªÉ®úvÉÉ®úEòÉå ½äþiÉÖ ºÉɨÉÉxªÉ VÉÉxÉEòÉ®úÒ: 10. General Shareholders Information:

10.1 16´ÉÓ ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ EòÉ Ê´É´É®úhÉ: 10.1 Particulars of 16th Annual General Meeting:

ÊnùxÉ +Éè®ú ÊnùxÉÉÆEò ¤ÉÖvÉ´ÉÉ®úúú, 27 VÉÚxÉ, 2018 Day and Date Wednesday, the 27th June, 2018 ºÉ¨ÉªÉ {ÉÚ´ÉÉǼxÉ 10.30 Time 10.30 A.M. ºlÉÉxÉ ¦ÉɹÉÉ ¦É´ÉxÉ +ÉÊb÷]õÉäÊ®úªÉ¨É, xÉä¶ÉxÉ±É ±ÉÉ<¥Éä®úÒ, Venue Bhasha Bhawan Auditorium, National ¤Éä±É´ÉäÊbªÉ®ú ®úÉäb÷ +±ÉÒ{ÉÖ®úúúú, Library, Belvedere Road, Alipore, EòÉä±ÉEòÉiÉÉ - 700027 Kolkata- 700027

10.2 Ê´ÉkÉÒªÉ {ÉÊ®úhÉɨÉÉå Eäò |ÉEòɶÉxÉ ½äþiÉÖ Ê´ÉkÉÒªÉ ´É¹ÉÇ B´ÉÆ Eò±Ééb÷® (+xÉÆÊiɨÉ)úú : 10.2 Financial Year and Calendar for Publication of Financial Results (Tentative):

¤ÉéEò EòÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ +|Éè±É ºÉä ¨ÉÉSÉÇ ½èþ* The Financial Year of the Bank is April to March ÊxɨxÉʱÉÊJÉiÉ iÉÉ®úÒJÉ EòÉä ºÉ¨ÉÉ{iÉ +´ÉÊvÉ ½äþiÉÖ ÊiɨÉɽþÒ {ÉÊ®úhÉɨÉÉå EòÉ +xÉÖ¨ÉÉänùxÉ Approval of quarterly results for the period ending

30 VÉÚxÉ, 2018 - VÉÖ±ÉÉ<Ç-+MɺiÉ 2018 June 30, 2018 - July- August, 2018 30 ʺÉiɨ¤É®ú 2018 - +HÚò¤É®ú-xɴɨ¤É®ú 2018 September 30, 2018 - October- November, 2018

31 ÊnùºÉ¨¤É®ú 2018 - VÉxÉ´É®úÒ-¡ò®ú´É®úÒ 2019 December 31, 2018 - January- February, 2019 31 ¨ÉÉSÉÇ 2019 - ±ÉäJÉÉ{É®úÒÊIÉiÉ ´ÉÉ̹ÉEò ±ÉäJÉÉ March 31, 2019 - Audited Annual Accounts: +|Éè±É-¨É<Ç 2019 April- May, 2019

10.3 ´ÉÉ̹ÉEò +É¨É ºÉ¦ÉÉ ½äþiÉÖ ´ÉÉ̹ÉEò ¤ÉÖEò C±ÉÉäVÉ®ú : 10.3 Date of Annual Book Closure for the purpose of AGM: ¤ÉÖEò-C±ÉÉäVÉ®ú MÉÖ¯û´ÉÉ®úúúú 21 VÉÚxÉ, 2018 ºÉä ¤ÉÖvÉ´ÉÉ®úú 27 VÉÚxÉ, 2018 Book closure- Thursday, the 21st June, 2018 to Wednesday, (nùÉäxÉÉÆä ÊnùxÉ ¶ÉÉÊ¨É±É ½èþÆ) the 27th June, 2018 (Both days inclusive) 10.4 ±ÉɦÉÉƶÉ: 10.4 Dividend:

¤ÉéEò Eäò ÊxÉnäù¶ÉEò ¨ÉÆb÷±É xÉä Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 ½äþiÉÖ ÊEòºÉÒ ±ÉɦÉÉÆ¶É EòÒ The Board of directors of the Bank has not recommended any ºÉƺiÉÖÊiÉ xɽþÓ EòÒ ½èþ* dividend for Financial Year 2017-18.

146 10.5 ʱÉϺ]õMÉ : 10.5 Listing: ¤ÉéEò Eäò <ÎC´É]õÒ ¶ÉäªÉ®ú xÉä¶ÉxÉ±É º]õÉEò BCºÉSÉåVÉ (BxÉBºÉ<Ç) +Éè®ú ¤Éɨ¤Éä The equity shares of the Bank are listed with National Stock º]õÉEò BCºÉSÉåVÉ (¤ÉÒBºÉ<Ç) ¨Éå ºÉÚSÉÒ¤Érù ½éþ* +xªÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½éþ:- Exchange of India (NSE) and BSE Ltd. (BSE). The other details are as under:-

º]õÉìEò BCºÉSÉåVÉ º]õÉìEò EòÉäb÷ ʱÉϺ]õMÉ EòÒ ÊiÉÊlÉ Stock Exchange Stock Code Date of Listing xÉä¶ÉxÉ±É º]õÉìEò BCºÉSÉåVÉ +É¡ò <ÆÊb÷ªÉÉ Ê±É.(BxÉBºÉ<Ç) BB±É¤ÉÒEäò 27.11.2002 BCºÉSÉåVÉ {±ÉÉVÉÉ {±ÉÉ]õ xÉÆ. ºÉÒ/1, VÉÒ-¤±ÉÉEò ¤ÉÉÆpùÉ EÖò±ÉÉÇ EòÉÆ{±ÉäCºÉ, ¤ÉÉÆpùÉ(<Ç) ¨ÉÖ¨¤É<Ç 400051 National Stock Exchange of India Ltd. (NSE), ALBK Exchange Plaza, Plot No. C/1, G-Block, Bandra Kurla Complex, Bandra (E), Mumbai-400051 ¤ÉÒBºÉ<Ç Ê±ÉʨÉ]äõb÷ (¤ÉÒBºÉ<Ç) {ÉÒ.VÉä. ]õɴɺÉÇ, nù±ÉÉ±É º]ÅõÒ]õ ¨ÉÖ¨¤É<Ç 400001 532480 27.11.2002 BSE Limited (BSE), PJ Towers, Dalal Street, Mumbai-4000001

Ê´ÉkÉ ´É¹ÉÇ 2018-19 ½äþiÉÖ ´ÉÉ̹ÉEò ºÉÚSÉÒ¤ÉrùiÉÉ ¶ÉÖ±Eò ={ɪÉÖÇHò º]õÉìEò BCºÉSÉåVÉÉå The advance annual listing fee for the financial year 2018-19 EòÉä {ɽþ±Éä ½þÒ Ê´É|ÉäʹÉiÉ ÊEòªÉÉ VÉÉ SÉÖEòÉ ½èþ* has already been remitted to the above Stock Exchanges. 10.6 +xÉÖ{ÉɱÉxÉ +ÊvÉEòÉ®úÒ : 10.6 Compliance Officer 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¸ÉÒ Ê¤É. EÖò. ʨÉjÉ, ¨É½þÉ|ɤÉÆvÉEò EòÉä ºÉä¤ÉÒ, As on 31.03.2018, Shri B. K. Mitra, General Manager was +xªÉ ºÉÆÉÊ´ÉÊvÉEò |ÉÉÊvÉEò®úhÉÉå +Éè®ú º]õÉìEò BCºÉSÉåVÉÉå Eäò Ê´ÉʦÉzÉ +xÉÖ¤ÉxvÉÉÆä EòÉ designated as the Compliance Officer for complying with +xÉÖ{ÉɱÉxÉ Eò®úxÉä ½äþiÉÖ +xÉÖ{ÉɱÉxÉ +ÊvÉEòÉ®úÒ Eäò °ü{É ¨Éå xÉɨÉÉäÊqù¹]õ ÊEòªÉÉ MɪÉÉ various stipulations of SEBI, other statutory authorities and ½èþ* Stock Exchanges. 10.7 ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ b÷É]õÉ : 10.7 Market Price Data: Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ xÉä¶ÉxÉ±É º]õÉìEò BCºÉSÉåVÉ (BxÉBºÉ<Ç) +Éè®ú The monthly high and low quotations and the volume of shares ¤Éɨ¤Éä º]õÉìEò BCºÉSÉåVÉ (¤ÉÒBºÉ<Ç) ¨Éå ]ÅäõËb÷MÉ ÊEòB MÉB ¶ÉäªÉ®úÉå EòÒ ¨ÉÉjÉÉ +Éè®ú traded on National Stock Exchange Ltd.(NSE) and BSE Ltd. ¨ÉÉʺÉEò =SSÉ B´ÉÆ ÊxɨxÉ EòÉä]äõ¶ÉxÉÉå EòÉ Ê´É´É®úhÉ ÊxɨxÉ´ÉiÉ ®ú½þÉ: (BSE) during the financial year 2017-18 were as under:

¨Éɽþ / Month BxÉBºÉ<Ç / NSE ¤ÉÒBºÉ<Ç / BSE Closing Price¨ÉÉjÉÉ (]Åäõbä÷b÷ ¶ÉäªÉ®úÉå Closing Price ¨ÉÉjÉÉ (]Åäõbä÷b÷ ¶ÉäªÉ®úÉå =SSÉ ÊxɨxÉEòÒ ºÉÆJªÉÉ) =SSÉ ÊxɨxÉ EòÒ ºÉÆJªÉÉ) High Low Volume (Number High Low Volume (Number (`)(`) of shares Traded) (`)(`) of shares Traded)

+|Éè±É/April 17 82.35 72.25 61985484 82.20 72.35 5399080 ¨É<Ç/May 17 89.95 70.05 155056253 89.95 70.05 14815533 VÉÚxÉ/June 17 72.25 67.00 97362754 72.25 66.95 9539714 VÉÖ±ÉÉ<Ç/July 17 76.50 66.40 69976313 76.45 66.45 7290654 +MɺiÉ/Aug 17 74.15 64.10 65307417 74.10 64.20 5413809 ʺÉiɨ¤É®/Sep 17 73.10 65.65 55615268 73.30 65.85 4184526 +HÚò¤É®/Oct 17 84.60 65.10 79193449 84.40 65.25 7264617 xɴɨ¤É®ú/Nov 17 83.00 74.95 82746384 83.10 75.15 8225864 ÊnùºÉ¨¤É®/Dec 17 77.15 71.75 39322522 77.15 71.80 3064012 VÉxÉ´É®úÒ/Jan 18 73.75 66.80 58836478 73.90 66.65 5553130 ¡ò®ú´É®úÒ/Feb 18 64.65 51.25 106877440 64.85 51.30 9576979 ¨ÉÉSÉÇ/Mar 18 51.50 45.40 98962005 51.50 45.25 7781730

147 10.8

ÊnùxÉÉÆEò BxÉBºÉ<Ç ¨Éå ¤ÉéEò Eäò ¶ÉäªÉ®úÉå EòÉ +ÆÊiÉ¨É ¨ÉÚ±ªÉ (`) ÊxÉ}]õÒ-50 (+ÆÊiɨÉ) BºÉ BÆb÷ {ÉÒ ¤ÉÒBºÉ< ºÉäxɺÉäCºÉ (+ÆÊiɨÉ) Date Closing Share Price of Bank at NSE (`) Nifty-50 (Closing) S&P BSE Sensex (Closing)

3-Apr-17 73.45 9237.85 29910.22 2-May-17 82.90 9313.80 29921.18 1-Jun-17 71.05 9616.10 31137.59 3-Jul-17 67.80 9615.00 31221.62 1-Aug-17 74.15 10114.65 32575.17 1-Sep-17 69.30 9974.40 31892.23 3-Oct-17 65.85 9859.50 31497.38 1-Nov-17 83.00 10440.50 33600.27 1-Dec-17 74.60 10121.80 32832.94 1-Jan-18 73.75 10435.55 33812.75 1-Feb-18 64.65 11016.90 35906.66 1-Mar-18 51.50 10458.35 34046.94 28-Mar-18 49.60 10113.70 32968.68

10.9 ®úÊVɺ]ÅõÉ®ú B´ÉÆ ¶ÉäªÉ®ú ]ÅõÉxºÉ¡ò® BVÉå]õ : 10.9 Registrar and Share Transfer Agent: ¨ÉäºÉºÉÇ ºÉÒ¤ÉÒ ¨ÉèxÉäVɨÉå]õ ºÉ̴ɺÉäVÉ |ÉÉ.ʱÉ. {ÉÒ-22 ¤ÉÆbä÷±É ®úÉäb÷ EòÉä±ÉEòÉiÉÉ - CB Management Services Private Limited, P-22, Bondel 700019, ¤ÉéEò EòÉ ®úÊVɺ]ÅõÉ®ú B´ÉÆ ¶ÉäªÉ® ]ÅõÉxºÉ¡ò®ú BVÉäx]õ ½èþ* Road, Kolkata- 700019 is Bank's Registrar and Share Transfer Agent. 10.10 ¶ÉäªÉ®ú +ÆiÉ®úhÉ |ÉhÉɱÉÒ : 10.10 Share Transfer System: ¤ÉéEò Eäò ÊxÉnäù¶ÉEò ¨ÉÆb÷±É xÉä ÊnùxÉÉÆEò 17.12.2012 EòÉä +ɪÉÉäÊVÉiÉ +{ÉxÉÒ The Board of Directors of the Bank in its meeting dated ¤Éè`ööEò ¨Éå ªÉ½þ ÊxÉhÉÇªÉ Ê±ÉªÉÉ ÊEò ¤ÉÉäbÇ÷ ºiÉ®úÒªÉ ¶ÉäªÉ®ú +ÆiÉ®úhÉ ºÉʨÉÊiÉ EòÉä VÉÉ®úÒ 17.12.2012 decided to discontinue the Board level Share xÉ ®úJÉÉ VÉÉB +Éè®ú +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò/|ɤÉÆvÉ ÊxÉnäù¶ÉEò +Éè®ú ¨ÉÖJªÉ Transfer Committee and authorised the Chairman and Managing Director/ Managing Director & CEO to constitute EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ EòÉä BEò EòɪÉÇ{ÉɱÉEò ºiÉ®úÒªÉ ¶ÉäªÉ®ú +ÆiÉ®úhÉ ºÉʨÉÊiÉ an Executive Level Share Transfer Committee. Accordingly, EòÉ MÉ`ööxÉ Eò®úxÉä ½äþiÉÖ |ÉÉÊvÉEòÉ®ú ÊnùªÉÉ MɪÉÉ* iÉnùxÉÖºÉÉ®ú ¤ÉéEò Eäò +vªÉIÉ B´ÉÆ the Chairman and Managing Director of Bank, approved |ɤÉÆvÉ ÊxÉnäù¶ÉEò xÉä ¶ÉäªÉ®ú +ÆiÉ®úhÉ, ]ÅõÉƺÉʨɶÉxÉ +xÉÖ®úÉävÉ +Éè®ú MÉÖ¨É ½ÖþB/SÉÉä®úÒ ½ÖþB constitution of an Executive Level Share Transfer Committee ¶ÉäªÉ®úÉå EòÒ Ê®ú{ÉÉä]Çõ ʨɱÉxÉä {É®ú =xÉEäò ¤Énù±Éä bÖ÷Î{±ÉEäò]õ ¶ÉäªÉ®ú VÉÉ®úÒ Eò®úxÉä EòÉ for approving Share Transfer, Transmission requests and +xÉÖ¨ÉÉänùxÉ näùxÉä Eäò ʱÉB BEò EòɪÉÇ{ÉɱÉEò ºiÉ®úÒªÉ ¶ÉäªÉ®ú +ÆiÉ®úhÉ ºÉʨÉÊiÉ Eäò issue of duplicate shares against the shares reported to have been lost/misplaced/stolen. The minutes of the MÉ`ööxÉ EòÉ +xÉÖ¨ÉÉänùxÉ ÊEòªÉÉ* EòɪÉÇ{ÉɱÉEò ºiÉ®úÒªÉ ¶ÉäªÉ®ú +ÆiÉ®úhÉ ºÉʨÉÊiÉ EòÒ Executive Level Share Transfer Committee meetings are ¤Éè`ööEòÉå Eäò EòɪÉÇ´ÉÞkÉ +xÉֺɨÉlÉÇxÉ ½äþiÉÖ ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Eäò ºÉ¨ÉIÉ |ɺiÉÖiÉ ÊEòB placed before the Board of Directors for ratification. VÉÉiÉä ½éþ* ºÉä¤ÉÒ Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú, ÊxÉ´Éä¶ÉEòMÉhÉ BEò ºÉÉlÉ ¶ÉäªÉ®úÉå Eäò +ÆiÉ®úhÉ- As per SEBI guidelines, investors can avail the facility of ºÉ½-Êb÷¨ÉäÊ]õÊ®úªÉ±ÉÉ

148 10.11 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¶ÉäªÉ®úvÉÉÊ®úiÉÉ EòÉ Ê´ÉiÉ®úhÉ: 10.11 Distribution of shareholding as on 31.03.2018:

¶ÉäªÉ®úvÉÉÊ®úiÉÉ ¶ÉäªÉ®úvÉÉ®úEòÉå EòÒ ºÉÆJªÉÉ EÖò±É ¶ÉäªÉ®úvÉÉ®úEòÉå ú ¶ÉäªÉ®úÉå EòÒ ºÉÆJªÉÉ EÖò±É ¶ÉäªÉ®úÉå EòÉ |ÉÊiɶÉiÉ (%) EòÉ |ÉÊiɶÉiÉ (%) Shareholding Number of shareholders Percentage of Total Number of shares Percentage of Total shareholders (%) shares (%) 1 - 500 181884 80.07 31486962 3.73 501 - 1000 18765 8.26 13792965 1.63 1001 - 2000 10224 4.50 14150081 1.68 2001 - 3000 10472 4.61 26063585 3.09 3001 - 4000 2865 1.26 11094724 1.31 4001 - 5000 1283 0.57 6110608 0.72 5001 - 10000 1118 0.49 7428095 0.88 10001 - 50000 417 0.18 8373044 0.10 50001 - 100000 46 0.02 3355133 0.40 Above 100000 / B´ÉÆ +ÊvÉEò 94 0.04 722189115 85.56 EÖò±É/Total 227168 100.00 844044312 100.00

10.12 ¶ÉäªÉ®úÉå EòÉ Êb÷¨ÉäÊ]õÊ®úªÉ±ÉÉ

¶ÉäªÉ®úvÉÉ®úhÉ ¶ÉäªÉ®úvÉÉ®úEòÉå EòÒ ºÉÆJªÉÉ ¶ÉäªÉ®úvÉÉ®úEòÉå EòÉ % ¶ÉäªÉ®úÉå EòÒ ºÉÆJªÉÉ ¶ÉäªÉ®úvÉÉÊ®úiÉÉ EòÉ % Shares held in Number of shareholders % of shareholders Number of shares % of shareholding ¦ÉÉèÊiÉEò °ü{É / Physical form 47410 20.87 14664273 1.74 bÒ÷¨Éè] °ü{Éõ / Dematerialized form BxÉBºÉb÷ÒB±É / NSDL 123411 54.33 257298426 30.48

ºÉÒb÷ÒBºÉB±É / CDSL 56347 24.80 572081613 67.78

EÖò±É /TOTAL 227168 100.00 844044312 100.00

31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú uùÉ®úÉ vÉÉÊ®úiÉ `10 Eäò +ÆÊEòiÉ The Equity holding of Govt. of India as on 31.03.2018 is ¨ÉÚ±ªÉ ´ÉɱÉä EÖò±É <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÒ ºÉÆJªÉÉ 546733089 ½èþ VÉÉä ¤ÉéEò EòÒ 546733089 equity shares of `10/- each, which constitutes |ÉnùkÉ {ÉÚÆVÉÒ EòÉ 64.78% ½èþ* 64.78% of the paid up capital of the Bank. ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú, Ê´ÉkÉ ¨ÉÆjÉɱɪÉ, Ê´ÉkÉÒªÉ ºÉä´ÉÉBÆ Ê´É¦ÉÉMÉ xÉä ÊnùxÉÉÆEò 21.03.2018 The Government of India, Ministry of Finance, Department of Eäò +{ÉxÉä {ÉjÉ ºÉÆ. B¡ò ºÉÆ. 7/38/2014-¤ÉÒ+ÉäB Eäò iɽþiÉ ºÉ®úEòÉ®úÒ ÊxÉ´Éä¶É Financial Services vide their letter No. F.No. 7/38/2014-BOA Eäò °ü{É ¨Éå Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò Eäò <ÎC´É]õÒ ¶ÉäªÉ®úÉå Eäò dated 21.03.2018 has conveyed the sanction of the President +ÊvɨÉÉxÉÒ +ɤÉÆ]õxÉ ¨Éå Eäòxpù ºÉ®úEòÉ®ú Eäò +ƶÉnùÉxÉ Eäò °ü{É ¨Éå <±ÉɽþɤÉÉnù ¤ÉéEò of India for release of `1500.00 crore (Rupees one thousand ¨Éå `1500 Eò®úÉäc÷ (¯û{ÉB BEò ½þVÉÉ®ú {ÉÉÆSÉ ºÉÉèþ Eò®úÉäc÷ ¨ÉÉjÉ) ÊxɨÉÖÇHò Eò®úxÉä five hundred crore only) in Allahabad Bank towards contribution of the Central Government in the Preferential Allotment of ½äþiÉÖ ¦ÉÉ®úiÉ Eäò ®úɹ]Åõ{ÉÊiÉ EòÒ ºÉƺ´ÉÒEÞòÊiÉ EòÒ ºÉÚSÉxÉÉ nùÒ ½èþ* ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú equity shares of the Bank during the financial year 2017-18 (¦ÉÉ®úiÉ Eäò ®úɹ]Åõ{ÉÊiÉ), ¤ÉéEò Eäò ºÉÆ´ÉvÉÇEò xÉä `1500 Eò®úÉäc÷ (¯û{ÉB BEò ½þVÉÉ®ú as Government's Investment. Government of India (President {ÉÉÆSÉ ºÉÉèþ Eò®úÉäc÷ ¨ÉÉjÉ) EòÒ ®úÉ榃 EòÉ {ÉÚÆVÉÒ +ƶÉnùÉxÉ {ɽþ±Éä ½þÒ ¶ÉäªÉ®ú +É´ÉänùxÉ of India), the promoter of the Bank has already remitted the ®úÉ榃 Eäò °ü{É ¨Éå 27.03.2018 Ê´É|ÉäʹÉiÉ Eò®ú ÊnùªÉÉ ½èþ* ¤ÉéEò <ºÉä “¶ÉäªÉ®ú capital contribution amount of `1500.00 crore (Rupees one +É´ÉänùxÉ ®úÉ榃 JÉÉiÉÉ” ¨Éå ®úJÉ ®ú½þÉ ½èþþ +Éè®ú ºÉ¦ÉÒ ºÉÉÆÊ´ÉÊvÉEò/Ê´ÉÊxɪÉɨÉEò thousand five hundred crore only) on 27.03.2018. The Bank is +xÉÖ¨ÉÉänùxÉ |ÉÉ{iÉ ½þÉäxÉä Eäò ¤ÉÉnù ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú (¦ÉÉ®úiÉ Eäò ®úɹ]Åõ{ÉÊiÉ) EòÉä ¶ÉäªÉ®ú maintaining the same in the "Share Application Money +ɤÉÆÊ]õiÉ Eò®äúMÉÉ Account", and will allot the shares to the Government of India (President of India) after receipt of all Statutory/Regulatory approvals.

149 10.13 +ÉVÉ EòÒ ÊiÉÊlÉ ¨Éå EòÉä<Ç VÉÒb÷Ò+É®ú/Bb÷Ò+É®ú/´ÉÉ®Æú]õ ªÉÉ +xªÉ 10.13 There are no outstanding GDRs /ADRs /Warrants or Eòx´ÉÌ]õÊ¤É±É <ƺ]Üõ¨Éå]õ ¤ÉEòɪÉÉ xɽþÓ ½èþ* any Convertible instruments as on date. 10.14 Ê´Énäù¶ÉÒ ¨ÉÖpùÉ VÉÉäÊJÉ¨É +Éè®ú ½äþËVÉMÉ MÉÊiÉÊ´ÉÊvɪÉÉÆ: 10.14 Foreign Exchange Risk and Hedging Activities: Ê´Énäù¶É ¨Éå ={ÉκlÉÊiÉ Eäò ºÉÉlÉ ¤ÉéËEòMÉ ´ªÉ´ÉºÉÉªÉ Eò®úiÉä ½ÖþB ¤ÉéEò EòÉä Ê´Énäù¶ÉÒ Being in banking business with overseas presence, the Bank ¨ÉÖpùÉ VÉÉäÊJÉ¨É ½þÉä ºÉEòiÉÉ ½èþ* iÉlÉÉÊ{É, Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ¨Éå ¤ÉéEò EòÉ ¨É½þi´É{ÉÚhÉÇ is exposed to Foreign Exchange Risk. However, exposure of ÊxÉ´Éä¶É xɽþÓ ½èþ +Éè®ú ¨ÉÖpùÉ +ÆiÉ®úÉ±É +ÆiÉ®ú®úɹ]ÅõÒªÉ Ê´É´ÉäEò{ÉÚhÉÇ ºÉÒ¨ÉÉ+Éå Eäò +Ænù®ú the Bank to foreign currencies is not significant and currency ½èþ* iÉÖ±ÉxÉ {ÉjÉ EòÒ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ º{ÉÉ]õ +Éè®ú gaps are within its internal prudential limits. Foreign exchange ¡òÉ®ú´ÉbÇ ºÉÆÊ´ÉnùÉBÆ +Éè®ú ´ªÉÉ{ÉÉ®ú ½äþiÉÖ vÉÉÊ®úiÉ ¨ÉÖpùÉ EòÉ Gò¨É¶É: ¡äòb÷É<Ç uùÉ®úÉ spot and forward contracts outstanding as at the balance sheet date and held for trading are revalued at the closing spot and +ÊvɺÉÚÊSÉiÉ C±ÉÉäËVÉMÉ º{ÉÉ]õ +Éè®ú ¡òÉ®ú´ÉbÇ÷ nù®úÉå {É®ú ÷{ÉÖxɨÉÚDZªÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ forward rates respectively notified by FEDAI and at interpolated +Éè®ú +ÆiÉÊ®ú¨É {ÉÊ®ú{ÉC´ÉiÉÉ+Éå EòÒ ºÉÆÊ´ÉnùÉ+Éå ½äþiÉÖ <Æ]õ®ú{ÉÉä±Éä]äõb÷ nù®úÉå {É®ú {ÉÖxɨÉÚDZªÉxÉ rates for contracts of interim maturities. ÊEòªÉÉ VÉÉiÉÉ ½èþ* +xɽèþVb÷ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ÊxÉ´Éä¶É Eäò ºÉƤÉÆvÉ ¨Éå ¤ÉéEò xÉä =vÉÉ®úEòiÉÉÇ+Éå uùÉ®úÉ EòÒ MÉ<Ç With regard to unhedged Foreign Currency Exposure, the Bank PÉÉä¹ÉhÉÉ Eäò +ÉvÉÉ®ú {É®ú +{ÉxÉÒ näùªÉiÉÉ EòÉ +xÉÖ¨ÉÉxÉ ±ÉMÉɪÉÉ ½èþ +Éè®ú ¦ÉÉÊ®ú¤ÉéEò has estimated its liability on the basis of declaration from borrowers and the same has been provided for as per RBI Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¤ÉéEò xÉä <ºÉEäò ʱÉB |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ ½èþ* ={ɱɤvÉ guidelines. Based on the available data, available financial b÷É]õÉ, ={ɱɤvÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ +Éè®ú =vÉÉ®úEòiÉÉÇ+Éå ºÉä |ÉÉ{iÉ PÉÉä¹ÉhÉÉ+Éå, VɽþÉÆ statements and the declaration from borrowers wherever |ÉÉ{iÉ ½Öþ<Ç ½éþ, Eäò +ÉvÉÉ®ú {É®ú ¤ÉéEò xÉä ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò {ÉÊ®ú{ÉjÉ received, the Bank has estimated the liability of `2.25 crore b÷Ò¤ÉÒ+Éäb÷Ò ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.85/21.06.200/2013-14 ÊnùxÉÉÆEò 15 VÉxÉ´É®úÒ up to 31st March, 2018 (previous year `9.04 crore) on 2014 +Éè® {ÉÊ®ú{ÉjÉ b÷Ò¤ÉÒ+Éäb÷Ò ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.116/21.06.200/2013- Unhedged Foreign Currency Exposure to their constituents in 14 ÊnùxÉÉÆEò 3 VÉÚxÉ 2014 Eäòú {É®ú´ÉiÉÔ º{ɹ]õÒEò®úhÉ Eäò +xÉÖºÉÉ®ú ¤ÉéEò xÉä terms of RBI circular DBOD. No.BP.BC.85/21.06.200/2013- +xɽèþVb÷ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ÊxÉ´Éä¶É Eäò ºÉƤÉÆvÉ ¨Éå 31 ¨ÉÉSÉÇ 2018 iÉEò +{ÉxÉä 14 dated 15th January 2014 and subsequent clarification vide circular no. DBOD.No.BP.BC.116/21.06.200/2013-14 dated ` ` ºÉÆPÉ]õEòÉå Eäò ʱÉB 2.25 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ 9.04 Eò®úÉäb÷) EòÒ näùªÉiÉÉ EòÉ 3rd June, 2014. The entire estimated amount has been fully +xÉÖ¨ÉÉxÉ ±ÉMÉɪÉÉ ½èþ* ºÉ¨ÉÚSÉÒ +xÉÖ¨ÉÉÊxÉiÉ ®úÉ榃 EòÉ {ÉÚhÉÇ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ MɪÉÉ provided for. ½è* 10.15 +ÊvɨÉÉxÉÒ +ɤÉÆ]õxÉ Eäò ¨ÉÉvªÉ¨É ºÉä VÉÖ]õÉ<Ç MÉ<Ç ÊxÉÊvɪÉÉå EòÉ ={ɪÉÉäMÉ.: 10.15 Utilization of funds raised through Preferential Allotment: Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2016-17 ½äþiÉÖ ¤ÉéEò uùÉ®úÉ During the financial year 2017-18, the Bank made allotment 31.03.2017 EòÉä ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú ºÉä |ÉÉ{iÉ `418 Eò®úÉäc Eäò {ÉÚÆVÉÒ +ÆiÉ: of 5,65,24,678 new equity shares of face value of `10.00 each |É´Éɽþ Eäò ºÉÉ{ÉäIÉ `63.95 |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ®ú Eäò |ÉÒÊ¨ÉªÉ¨É ºÉʽþiÉ ÷`73.95 on preferential basis to the Government of India (President of |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ®ú Eäò ÊxÉMÉÇ¨É ¨ÉÚ±ªÉ {É®ú 07.08.2017 EòÉä ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú India) on 07.08.2017 at an issue price of `73.95 per equity (¦ÉÉ®úiÉ Eäò ®úɹ]Åõ{ÉÊiÉ) EòÉä +ÊvɨÉÉxÉÒ +ÉvÉÉ®ú {É®ú `10.00 |ÉiªÉäEò Eäò +ÆÊEòiÉ share including a premium of `63.95 per equity share against ¨ÉÚ±ªÉ {É®ú 5,65,24,678 xÉB <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÉ +ɤÉÆ]õxÉ ÊEòªÉÉ ½èþ* ¤ÉéEò the capital infusion of `418.00 crore received by the Bank on xÉä ={ɪÉÖÇHò +ÊvɨÉÉxÉÒ ÊxÉMÉÇ¨É EòÒ ºÉ¨ÉºiÉ +ÉªÉ EòÉ |ɪÉÉäMÉ ¤ÉéEò Eäò {ÉÚÆVÉÒ 31.03.2017 from the Government of India for FY 2016-17. The Bank has utilized the entire proceeds of the aforesaid +ÉvÉÉ®ú EòÉä ¤ÉgøÉxÉä +Éè®ú ¨ÉVɤÉÚiÉø Eò®úxÉä iÉlÉÉ ¤ÉéEò EòÒ ºÉɨÉÉxªÉ ´ªÉ´ÉɺÉÉʪÉEò Preferential Issue for enhancing and strengthening the capital +ɴɶªÉEòiÉÉ+Éå Eäò ÊxÉÊvɪÉxÉ ½äþiÉÖ ÊEòªÉÉ ½èþ* base of the Bank and to fund the general business needs of 11. ¶ÉäªÉ®ú +ÆiÉ®úhÉ B´ÉÆ ÊxÉ´Éä¶ÉEò ʶÉEòɪÉiÉ ÊxÉ´ÉÉ®úhÉ : the Bank. 11. Share Transfer and Redressal of Investors' Grievance: ¤ÉéEò xÉä ºÉÒ¤ÉÒ ¨ÉèxÉäVɨÉå]õ ºÉ̴ɺÉäVÉ (|ÉÉ) ʱÉ., EòÉä±ÉEòÉiÉÉ, EòÉä ®úÊVɺ]ÅõÉ®ú B´ÉÆ The Bank has appointed CB Management Services Private ¶ÉäªÉ®ú +ÆiÉ®úhÉ BVÉå]õ Eäò °ü{É ¨Éå ÊxɪÉÖHò ÊEòªÉÉ ½èþ VÉÉä ÊxÉ´Éä¶ÉEòÉå EòÒ Ê¶ÉEòɪÉiÉÉå Limited as the Registrar and Share Transfer Agent for recording Eäò ºÉ¨ÉÉvÉÉxÉ, iÉlÉÉ {ÉiÉä ¨Éå {ÉÊ®ú´ÉiÉÇxÉ, ¶ÉäªÉ®úÉå EòÉ +ÆiÉ®úhÉ/ |Éä¹ÉhÉ, +ÊvÉnäù¶É ¨Éå the shareholders' requests, resolution of investors' grievances, {ÉÊ®ú´ÉiÉÇxÉ +ÉÊnù Eäò ºÉƤÉÆvÉ ¨Éå ¶ÉäªÉ®úvÉÉ®úEòÉå Eäò +xÉÖ®úÉävÉ EòÉä nùVÉÇ Eò®úiÉÉ ½èþ* amongst other activities connected with the change of address, ÊxÉ´Éä¶ÉEòÉå EòÒ ºÉÖÊ´ÉvÉÉ ½äþiÉÖ =xÉEòÒ Ê¶ÉEòɪÉiÉå ¤ÉéEò Eäò |ÉvÉÉxÉ EòɪÉÉDZɪÉ, transfer/transmission of shares, change of mandate etc. For EòÉä±ÉEòÉiÉÉ ¨Éå ¦ÉÒ º´ÉÒEòÉ®ú EòÒ VÉÉiÉÒ ½éþ* the convenience of the investors, grievance/ complaints from them are also accepted at the Bank' Head Office in Kolkata. ÊxÉ´Éä¶ÉEò +{ÉxÉä +xÉÖ®úÉävÉ/ʶÉEòɪÉiÉå ªÉÉ iÉÉä ¤ÉéEò Eäò ®úÊVɺ]ÅõÉ®ú B´ÉÆ ¶ÉäªÉ®ú The shareholders may lodge their requests/complaints either +ÆiÉ®úhÉ BVÉå]õ +lÉ´ÉÉ ¤ÉéEò ¨Éå ÊxɨxÉʱÉÊLÉiÉ {ÉiÉä {É®ú nùVÉÇ Eò®ú ºÉEòiÉä ½éþ:- with the Bank's Registrar and Share Transfer Agent (RTA) or with the Bank at the following address:- ºÉÒ¤ÉÒ ¨ÉèxÉäVɨÉå]õ ºÉ̴ɺÉäVÉ (|ÉÉ) ʱÉ. CB Management Services (P) Ltd. (ªÉÚÊxÉ]õ: <±ÉɽþɤÉÉnù ¤ÉéEò) (Unit: Allahabad Bank) {ÉÒ-22 ¤ÉÆbä÷±É ®úÉäb÷÷, EòÉä±ÉEòÉiÉÉ-700019 P-22, Bondel Road, Kolkata-700019. Tel; 033-40116700, Fax : 033-40116739 nÚù®ú¦ÉÉ¹É ºÉÆ. : 033-40116700, ¡èòCºÉ ºÉÆ. : 033-40116739 Email: [email protected] <ǨÉä±É: [email protected] ¨ÉÖJªÉ |ɤÉÆvÉEò (EÆò{ÉxÉÒ ºÉÊSÉ´É) The Chief Manager, (Company Secretary) ÊxÉ´Éä¶ÉEò ºÉä´ÉÉ EòIÉ Investors' Service Cell, ¶ÉäªÉ®ú +Éè®ú ¤ÉÉÆb÷ ʴɦÉÉMÉ Shares and Bonds Department <±ÉɽþɤÉÉnù ¤ÉéEò, |ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ Allahabad Bank, Head Office , 2, xÉäiÉÉVÉÒ ºÉÖ¦ÉÉ¹É ®úÉäb÷, EòÉä±ÉEòÉiÉÉ-700 001 2, Netaji Subhas Road, Kolkata-700 001. nÚù®ú¦ÉÉ¹É ºÉÆ. : 033-22420878, ¡èòCºÉ ºÉÆ. : 033-22623279 Tele: 033-22420878, Fax: 033-22623279 <ǨÉä±É: [email protected] Email: [email protected]

150 11.1 |ÉÉ{iÉ, ÊxɺiÉÉÊ®úiÉ B´ÉÆ ±ÉÆʤÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ : 11.1 Number of complaints received, resolved and pending :

¶ÉäªÉ®úvÉÉ®úEòÉå ºÉä ¤ÉéEò uùÉ®úÉ |ÉÉ{iÉ EòÒ MÉ<Ç Ê¶ÉEòɪÉiÉÉå Eäò ÊxÉ´ÉÉ®úhÉ ½äþiÉÖ <ºÉä ¤ÉéEò The shareholders' complaints received by the Bank are Eäò +É®]õÒB +OÉäʹÉiÉ Eò®ú ÊnùªÉÉ VÉÉiÉÉ ½èþ* Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ forwarded to Bank's RTA for redressal. The details of requests/ |ÉÉ{iÉ B´ÉÆ ÊxɺiÉÉÊ®úiÉ iÉlÉÉ ÊnùxÉÉÆEò 31.03.2018 EòÉä ±ÉÆʤÉiÉ +xÉÖ®úÉävÉÉå / complaints received and resolved during the financial year ʶÉEòɪÉiÉÉå EòÉ Ê´É´É®úhÉ ÊxɨxÉ´ÉiÉ ½èþ :- 2017-18 and pending as on 31.03.2018 are as follows:-

ªÉlÉÉʺlÉÊiÉ 31.03.2017 EòÉä ±ÉÆʤÉiÉ 2017-18 Eäò nùÉè®úÉxÉ |ÉÉ{iÉ 2017-18 Eäò nùÉè®úÉxÉ 31.03.2018 EòÉä ÊxɺiÉÉÊ®úiÉ ªÉlÉÉκlÉÊiÉ ±ÉÆʤÉiÉ Resolved Pending as on 31.03.2017 Received during 2017-18 Pending as on 31.03.2018 during 2017-18 ʶÉEòɪÉiÉÉå/+xÉÖ®úÉävÉÉå EòÒ ºÉÆJªÉÉ Number of Complaints/requests 01 277 278 Nil

12. b÷Ò¨Éè]õ =SÉÆiÉ JÉÉiÉÉ/+nùÉ´ÉÒ =SÉÆiÉ JÉÉiÉÉ Eäò ºÉƤÉÆvÉ ¨Éå |ÉEò]õÒEò®úhÉ 12. Disclosure with respect to demat suspense account/ unclaimed suspense account b÷Ò¨Éè]õ =SÉÆiÉ JÉÉiÉÉ ¨Éå ®úJÉä +nùÉ´ÉÒ ¶ÉäªÉ®úÉå EòÉ Ê´É´É®úhÉ: The details of unclaimed shares lying in the Demat Suspense Account are as under:

´É¹ÉÇ Eäò +É®Æú¦É ¨Éå +lÉÉÇiÉ 01.04.2017 EòÉä =SÉÆiÉ JÉÉiÉä ¨Éå ®úJÉä MÉB ¶ÉäªÉ®úvÉÉ®úEòÉå +Éè®ú ¤ÉEòɪÉÉ ¶ÉäªÉ®úÉå EòÒ EÖò±É ¶ÉäªÉ®úvÉÉ®úEò-13 ºÉÆJªÉÉ ¶ÉäªÉ®ú-3791 Aggregate number of shareholders and the outstanding shares in the suspense account Shareholders-13 lying at the beginning of the year i.e. on 01.04.2017 Shares-3791 ´É¹ÉÇ Eäò nùÉè®úÉxÉ =SÉÆiÉ JÉÉiÉä ºÉä¶ÉäªÉ®úÉå Eäò +ÆiÉ®úhÉ ½äþiÉÖ ºÉäSÉÒ¤É`ö ºÉƺlÉÉ ºÉä ºÉÆ{ÉEÇò Eò®úxÉä ´ÉɱÉä ¶ÉäªÉ®úvÉÉ®úEòÉå EòÒ ºÉÆJªÉÉ ¶ÉÚxªÉ

Number of shareholders who approached listed entity for transfer of shares from suspense Nil account during the year ´É¹ÉÇ Eäò nùÉè®úÉxÉ =SÉÆiÉ JÉÉiÉä ºÉä ¶ÉäªÉ®ú +ÆiÉÊ®úiÉ Eò®úxÉä ´ÉɱÉä ¶ÉäªÉ®úvÉÉ®úEòÉå EòÒ ºÉÆJªÉÉ ¶ÉÚxªÉ

Number of shareholders to whom shares were transferred from suspense Nil account during the year ´É¹ÉÇ Eäò +ÆiÉ ¨Éå +lÉÉÇiÉ 31.03.2018 EòÉä =SÉÆiÉ JÉÉiÉä ¨Éå ®úJÉä MÉB ¶ÉäªÉ®úvÉÉ®úEòÉå +Éè®ú ¤ÉEòɪÉÉ ¶ÉäªÉ®úÉå EòÒ EÖò±É ¶ÉäªÉ®úvÉÉ®úEò-13 ºÉÆJªÉÉ ¶ÉäªÉ®ú-3791 Aggregate number of shareholders and the outstanding shares in the suspense Shareholders-13 account lying at the end of the year i.e. 31.03.2018 Shares-3791

´ÉèvÉ º´ÉɨÉÒ uùÉ®úÉ nùÉ´ÉÉ ÊEòB VÉÉxÉä iÉEò +nùÉ´ÉÒ/¤ÉEòɪÉÉ ¶ÉäªÉ®úÉå Eäò ºÉƤÉÆvÉ ¨Éå The voting rights in respect of the unclaimed/outstanding ¨ÉiÉÉÊvÉEòÉ®ú +´É¯ûrù ®ú½äþMÉÉ* shares will remain frozen till the claim by the rightful owner. ´ÉèvÉ ºÉ¨ÉÒ ºÉä ´ÉèvÉ nùÉ´ÉÉ |ÉÉ{iÉ ½þÉäxÉä {É®ú b÷Ò¨Éä]õ =SÉÆiÉ JÉÉiÉä ¨Éå ®úJÉä MÉB ¶ÉäªÉ®úÉå On the receipt of valid claim from the rightful owner the shares lying in the Demat Suspense account are credited to the EòÉä nùÉ´ÉänùÉ®ú EòÉä GäòÊb÷]õ ÊEòªÉÉ VÉÉiÉÉ ½èþ* claimant.

13. ¶ÉäªÉ®úvÉÉÊ®úiÉÉ ºÉÆ®úSÉxÉÉ (31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ) 13. Shareholding Pattern (as on 31.03.2018)

¸ÉähÉÒ ¶ÉäªÉ®ú vÉÉ®úEòÉå EòÒ ºÉÆJªÉÉ vÉÉÊ®úiÉ ¶ÉäªÉ®úÉå EòÒ ºÉÆJªÉÉ ¶ÉäªÉ®úvÉÉÊ®úiÉÉ % Category Number of shareholders Number of shares held % of shareholding

¦ÉÉ®úiÉ ºÉ®úEòÉ® / Govt. of India 1 546733089 64.78 ¤ÉÒ¨ÉÉ EÆò{ÉÊxɪÉÉÄ / Insurance Companies 5 107579077 12.74 ¦ÉÉ®úiÉÒªÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷ / Indian Mutual Funds 21 32209499 3.82 ¤ÉéEò / Banks 6 559289 0.07

151 ¸ÉähÉÒ ¶ÉäªÉ®ú vÉÉ®úEòÉå EòÒ ºÉÆJªÉÉ vÉÉÊ®úiÉ ¶ÉäªÉ®úÉå EòÒ ºÉÆJªÉÉ ¶ÉäªÉ®úvÉÉÊ®úiÉÉ % Category Number of shareholders Number of shares held % of shareholding Ê´Énäù¶ÉÒ ºÉƺlÉÉMÉiÉ ÊxÉ´Éä¶ÉEò Foreign Institutional Investors 47 15050165 1.78 Ê´Énäù¶ÉÒ {ÉÉä]Çõ¡òÉäʱɪÉÉä ÊxÉ´Éä¶ÉEò Foreign Port-folio Investors 36 12029526 1.43 +É<ÇB¡ò+É<Ç/IFIs 1 325000 0.04 Eò¨ÉÇSÉÉ®úÒ / Employees 23213 44902938 5.32 ÊxÉMÉʨÉiÉ ÊxÉEòÉªÉ / Bodies Corporate 905 7953129 0.94 +ÊxÉ´ÉɺÉÒ ¦ÉÉ®úiÉÒªÉ / Non-resident Indians 1140 1438882 0.17 xªÉɺÉ/BSɪÉÚB¡ò / Trust/HUF 11 63469 0.01 ÊxÉ´ÉɺÉÒ ¦ÉÉ®úiÉÒªÉ / Resident Individuals 201622 74488127 8.82 ÊxÉnäù¶ÉEò B´ÉÆ ºÉƤÉÆvÉÒ / Directors and Relatives 6 20400 0.00 ÎC±ÉªÉÊ®ÆMÉ ºÉnùºªÉ / Clearing Members 154 691722 0.08

EÖò±É / Grand Total 227168 844044312 100

14. xÉä¶ÉxÉ±É +É]õÉä¨Éä]äõb÷ ÎC±ÉªÉË®úMÉ ½þÉ=ºÉ (BxÉBºÉÒBSÉ) Eäò ¨ÉÉvªÉ¨É ºÉä 14. Payment of Dividend through National Automated ±ÉɦÉÉÆ¶É EòÉ ¦ÉÖMÉiÉÉxÉ : Clearing House (NACH) xÉä¶ÉxÉ±É +É]õÉä¨Éä]äõb÷ ÎC±ÉªÉË®úMÉ ½þÉ=ºÉ (BxÉBºÉÒBSÉ), ¦ÉÉ®úiÉÒªÉ ®úɹ]ÅõÒªÉ ¦ÉÖMÉiÉÉxÉ National Automated Clearing House is a centralized system ÊxÉMÉ¨É uùÉ®úÉ EòɪÉÉÇÎx´ÉiÉ ±ÉɦÉÉÆ¶É Eäò ¦ÉÖMÉiÉÉxÉ EòÒ BEò EäòxpùÒªÉEÞòiÉ |ÉhÉɱÉÒþ implemented by National Payment Corporation of India which ÊVɺɨÉå ÊxÉ´Éä¶ÉEò EòÒ ®úEò¨É ºÉÒvÉä =ºÉEäò ¤ÉéEò JÉÉiÉä ¨Éå VɨÉÉ EòÒ VÉÉ ºÉEòiÉÒ facilitates direct credit of the dividend amount to the investors ½èþ* ¤ÉéEò +{ÉxÉä ¶ÉäªÉ®úvÉÉ®úEòÉå EòÉä =xÉEäò ¤ÉéEò JÉÉiÉä ¨Éå ±ÉɦÉÉÆ¶É ºÉÒvÉä VɨÉÉ into his/ her Bank Account. The Bank is offering the services to the shareholders with an option to avail the facility for Eò®úxÉä EòÒ ºÉÖÊ´ÉvÉÉ EòÉ Ê´ÉEò±{É ={ɱɤvÉ Eò®úÉ ®ú½þÉ ½èþ* iÉlÉÉÊ{É ¶ÉäªÉ®úvÉÉ®úEò EòÉ direct credit of the dividend in their Bank account. However ¤ÉéEò JÉÉiÉÉ ¤ÉéEò/¤ÉéEòÉå EòÒ EäòxpùÒªÉEÞòiÉ ¤ÉéËEòMÉ ºÉɱªÉÚ¶ÉxÉ (ºÉÒ¤ÉÒBºÉ) ¶ÉÉJÉÉ ¨Éå the Bank account of the shareholders should be in Core ½þÉäxÉÉ SÉÉʽþB* Banking Solution (CBS) Branch of Bank/s.

<±ÉäC]ÅõÉìÊxÉEò GòäÊb÷]õ ¨Éèxbä÷]õ ¡òÉì¨ÉÇ, ´ÉÉ̹ÉEò Ê®ú{ÉÉä]Çõ Eäò ºÉÉlÉ ºÉƱÉMxÉ ½èþ ÊVɺÉä The Electronic Credit mandate form is enclosed with the Ê¡òÊVÉEò±É ¶ÉäªÉ®ú vÉÉ®úhÉ Eò®úxÉä ´ÉɱÉä ¶ÉäªÉ®úvÉÉ®úEòÉå uùÉ®úÉ ®úÊVÉ]ÅõÉ®ú B´ÉÆ ¶ÉäªÉ®ú Annual Report, which may be sent to the Registrar and Share +ÆiÉ®úhÉ BVÉå]õ EòÉä ¦ÉäVÉÉ VÉÉ ºÉEòiÉÉ ½èþ* Êb÷¨ÉäÊ]õÊ®úªÉ±ÉÉ

152 ¤ÉÉäbÇ÷ Eäò ºÉnùºªÉÉå +Éè®ú ´ÉÊ®ú¹`ö |ɤÉÆvÉxÉ xÉä ´ÉÉ̹ÉEò +ÉvÉÉ®ú {É®ú ºÉÆʽþiÉÉ Eäò The Board members and senior management have affirmed +xÉÖ{ÉɱÉxÉ EòÒ {ÉÖι]õ EòÒ ½èþ +Éè®ú |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò compliance with the code on annual basis and a declaration +ÊvÉEòÉ®úÒ EòÒ +Éä®ú ºÉä EòÒ MÉ<Ç <ºÉ +É¶ÉªÉ EòÒ PÉÉä¹ÉhÉÉ <ºÉ |ÉÊiÉ´ÉänùxÉ EòÉ to this effect from the Managing director & CEO of the Bank, +Æ¶É ½èþ* forms part of this report. 17. EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉæxºÉ EòÒ ÎºlÉÊiɪÉÉå Eäò +xÉÖ{ÉɱÉxÉ EòÉ |ɨÉÉhÉ{ÉjÉ 17. Certificate of compliance of conditions of Corporate Governance ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùiÉÉ ¤ÉÉvªÉiÉÉBÆ B´ÉÆ |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆ) Ê´ÉÊxÉªÉ¨É 2015 EòÒ ¶ÉiÉÉæ Eäò +xÉÖºÉÉ®ú EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉçºÉ EòÒ ÎºlÉÊiɪÉÉå Eäò +xÉÖ{ÉɱÉxÉ ºÉä ºÉƤÉÆÊvÉiÉ The certificate issued by the Statutory Central Auditors of the Bank, regarding compliance of conditions of Corporate ¤ÉéEò Eäò ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEòÉå Eäò uùÉ®úÉ VÉÉ®úÒ |ɨÉÉhÉ{ÉjÉ ºÉƱÉMxÉ Governance in terms of the SEBI (Listing Obligations and ÊEòªÉÉ MɪÉÉ ½èþ* Disclosure Requirements) Regulations, 2015 is attached.

ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Eäò ʱÉB B´ÉÆ =xÉEòÒ +Éä®ú ºÉä For and on behalf of the Board of Directors

ÊnùxÉÉÆEò:11.05.2018 =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ Date: 11.05.2018 Usha Ananthasubramanian ºlÉÉxÉ: EòÉä±ÉEòÉiÉÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Place: Kolkata Managing Director & CEO

153 ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùiÉÉ ¤ÉÉvªÉiÉÉBÆ B´ÉÆ |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆ) Ê´ÉÊxÉªÉ¨É 2015 DECLARATION PURSUANT TO PARA- D OF SCHEDULE V EòÒ +xÉÖºÉÚSÉÒ V Eäò {Éè®úÉ b÷Ò Eäò +xÉֺɮúhÉ ¨Éå ºÉÒ<Ç+Éä uùÉ®úÉ PÉÉä¹ÉhÉÉ OF THE SEBI (LISTING OBLIGATIONS AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2015

ªÉ½þ PÉÉä¹ÉhÉÉ EòÒ VÉÉiÉÒ ½èþ ÊEò ¤ÉéEò xÉä ¤ÉÉäbÇ÷ Eäò ºÉ¦ÉÒ ºÉnùºªÉÉå +Éè®ú ¤ÉéEò Eäò It is to declare that the Board Members and Senior ´ÉÊ®ú¹`ö |ɤÉÆvÉxÉ Eǫ̀ɪÉÉå (+lÉÉÇiÉ ¨É½þÉ|ɤÉÆvÉEòMÉhÉ) xÉä ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùiÉÉ ¤ÉÉvªÉiÉÉBÆ Management Personnel of the Bank (i.e. General Managers) B´ÉÆ |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆ) Ê´ÉÊxÉªÉ¨É 2015 EòÒ ¶ÉiÉÉæ Eäò +xÉֺɮhÉ ¨Éå have affirmed their compliance with the Code of Conduct for the Financial Year ended on 31st March, 2018 in terms of 31 ¨ÉÉSÉÇ 2018 EòÉä ºÉ¨ÉÉ{iÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ ½äþiÉÖ +ÉSÉÉ®ú ºÉÆʽþiÉÉ Eäò +xÉÖ{ÉɱÉxÉ Regulation 26(3) of the SEBI (Listing Obligations and EòÒ º´ÉÒEòÉ®úÉäÊHò nùÒ ½èþ* =Hò +ÉSÉÉ®ú ºÉÆʽþiÉÉ, ¤ÉéEò EòÒ ´Éä¤ÉºÉÉ<]õ Disclosure Requirements) Regulations, 2015. {É®ú ={ɱɤvÉ ½èþ* www.allahabadbank.in The said Code of Conduct is available on the Bank's website, www.allahabadbank.in

ÊnùxÉÉÆEò :11.05.2018 =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ Date: 12.05.2018 Usha Ananthasubramanian ºlÉÉxÉ: EòÉä±ÉEòÉiÉÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Place: Kolkata Managing Director & CEO

154 EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉæxºÉ EòÒ ÎºlÉÊiÉ Eäò +xÉÖ{ÉɱÉxÉ {É®ú Auditors' Certificate on Compliance of Conditions ±ÉäJÉÉ{É®úÒIÉEòÉå EòÉ |ɨÉÉhÉ{ÉjÉ of Corporate Governance

ºÉä´ÉÉ ¨ÉäÆ, To,

<±ÉɽþɤÉÉnù ¤ÉéEò Eäò ºÉnùºªÉMÉhÉ The Members of Allahabad Bank ½þ¨ÉxÉä ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùiÉÉ ¤ÉÉvªÉiÉÉBÆ B´ÉÆú |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆ) Ê´ÉÊxÉªÉ¨É 2015 We have examined the compliance of conditions of Corporate Eäò Ê´ÉÊxÉªÉ¨É 17 ºÉä Ê´ÉÊxÉªÉ¨É 27 +Éè®ú Ê´ÉÊxÉªÉ¨É 46(2) (¤ÉÒ ºÉä +É<Ç) ¨Éå Governance by ALLAHABAD BANK for the year ended on ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ +xÉÖ¤ÉÆvÉÉäÆ Eäò +xÉÖºÉÉ® 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ March 31st , 2018, as stipulated in Regulation 17 to Regulation <±ÉɽþɤÉÉnù ¤ÉéEò, Eäò EòÉ®ú{ÉÉä®äú]õ MÉ´ÉxÉçºÉ EòÒ ÎºlÉÊiɪÉÉå Eòä +xÉÖ{ÉɱÉxÉ EòÒ VÉÉÄSÉ 27 and Regulation 46(2) (b to i) of SEBI (Listing Obligations EòÒ ½èþ* and Disclosure Requirements) Regulations, 2015. The Compliance of conditions of Corporate Governance is the EòÉ®{ÉÉä®äú]õ MÉ´ÉxÉæxºÉ EòÒ ¶ÉiÉÉç Eäò +xÉÖ{ÉɱÉxÉ EòÒ ÊVɨ¨ÉänùÉ®úÒ |ɤÉÆvÉxÉ EòÒ ½èþ* responsibility of the Management. Our examination was limited ½þ¨ÉÉ®úÒ VÉÉÄSÉ EòÉ®{ÉÉä®äú] MÉ´ÉxÉçºÉ EòÒ ¶ÉiÉÉç EòÉ +xÉÖ{ÉɱÉxÉ ºÉÖÊxÉζSÉiÉ Eò®úxÉä to procedures and implementation thereof, adopted by the ½äþiÉÖ ¤ÉéEò Eäò uùÉ®úÉ +{ÉxÉÉ<Ç MÉ<Ç |ÉÊGòªÉÉ +Éè®ú =ºÉEäò EòɪÉÉÇx´ÉªÉxÉ iÉEò ºÉÒʨÉiÉ Bank for ensuring the compliance of the conditions of the lÉÒ* ªÉ½þ xÉ iÉÉä ±ÉäJÉÉ{É®úÒIÉÉ ½èþ +Éè®ú xÉ ½þÒ ¤ÉéEò Eäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå {É®ú Corporate Governance. It is neither an audit nor an expression +ʦɨÉiÉ ´ªÉHò Eò®úxÉÉ ½èþ* of opinion on the financial statements of the Bank. ¤ÉéEò Eäò uùÉ®úÉ +xÉÖ®úÊIÉiÉ +ʦɱÉäJÉÉå B´ÉÆ nùºiÉÉ´ÉäVÉÉå iÉlÉÉ ½þ¨Éå ÊnùB MÉB On the basis of the records and documents maintained by the º{ɹ]õÒEò®úhÉ Eäò +xÉÖºÉÉ® ú: Bank and the information and explanations given to us: (B) ½þ¨É |ɨÉÉÊhÉiÉ Eò®úiÉä ½éþ ÊEò ¤ÉéEò xÉä ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùiÉÉ ¤ÉÉvªÉiÉÉBÆ (a) We certify that the Bank has complied with the conditions B´ÉÆú |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆÆ) Ê´ÉÊxÉªÉ¨É 2015 ¨Éå ÊxÉvÉÉÇÊ®úiÉ EòÉ®ú{ÉÉä®äú]õ of Corporate Governance as stipulated in SEBI (Listing MÉ´ÉxÉçºÉ EòÒ ¶ÉiÉÉç EòÉ +xÉÖ{ÉɱÉxÉ ÊEòªÉÉ ½èþ, VɽÄÉ iÉEò ÊEò ªÉ½þ Obligations and Disclosure Requirements) Regulations, ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò /¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå EòÉ =±±ÉÆPÉxÉ 2015, to the extent these do not violate RBI/Government xɽþÓ Eò®úiÉÉþ* of India guidelines. (¤ÉÒ) ½þ¨Éå ªÉ½þ Eò½þxÉÉ ½èþ ÊEò ¤ÉéEò Eäò ®úÊVɺ]ÅõÉ®ú B´ÉÆ ¶ÉäªÉ®ú +ÆiÉ®úhÉ (b) We state that no investor grievance is pending for a BVÉå]õ uùÉ®úÉ ªÉlÉÉ|ɨÉÉÊhÉiÉ B´ÉÆ Ê½þiÉvÉÉ®úEò ºÉƤÉÆvÉ ºÉʨÉÊiÉ uùÉ®úÉ period exceeding one month against the Bank, as per ®úJÉä MÉB +ʦɱÉäJÉ Eäò +xÉÖºÉÉ®ú ¤ÉéEò Eäò ʴɯûrù ÊxÉ´Éä¶É EòÒ EòÉä<Ç the records maintained by the Stakeholders Relationship ʶÉEòɪÉiÉ BEò ¨Éɽþ ºÉä +ÊvÉEò ºÉ¨ÉªÉ iÉEò ±ÉΨ¤ÉiÉ xɽþÓ ½èþ* Committee and as certified by the Registrar and Share Transfer Agent of the Bank.

½þ¨Éå ªÉ½þ ¦ÉÒ Eò½þxÉÉ ½èþ ÊEò ªÉ½þ +xÉÖ{ÉɱÉxÉ xÉ iÉÉä ¤ÉéEò EòÒ ¦ÉÉ´ÉÒ ´ªÉ´É½þɪÉÇiÉÉ We further state that such compliance is neither an assurance ½äþiÉÖ +É·ÉɺÉxÉ ½èþ +Éè®ú xÉ ½þÒ ¤ÉéEò Eäò EòɪÉÇÊxɹ{ÉÉnùxÉ ¨Éå |ɤÉÆvÉxÉ EòÒ EÖò¶É±ÉiÉÉ as to future viability of the Bank nor the efficiency or B´ÉÆ |ɦÉɴɶÉÒ±ÉiÉÉ ½èþ* effectiveness with which the Management has conducted the affairs of Bank.

EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Raju & Prasad For M/s Kansal Singla & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405

EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224

ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata ÊnùxÉÉÆEò / Date: 11.05.2018

155 ºÉÒ<Ç+Éä +Éè®ú ºÉÒB¡ò+Éä uùÉ®úÉ +xÉÖ{ÉɱÉxÉ |ɨÉÉhÉ{ÉjÉ

{ºÉä¤ÉÒ (ºÉÚSÉÒ¤ÉrùiÉÉ ¤ÉÉvªÉiÉÉBÆ B´ÉÆ |ÉEò]ÒõEò®úhÉ +{ÉäIÉÉBÆ) Ê´ÉÊxÉªÉ¨É 2015 Eäò Ê´ÉÊxÉªÉ¨É 17(8) Eäò ºÉÉlÉ {ÉÊ`ööiÉ Ê´ÉÊxÉªÉ¨É 33(2) Eäò +xÉֺɮúhÉ ¨Éå}

ºÉä´ÉÉ ¨Éå, ÊxÉnäù¶ÉEò ¨ÉÆb÷±É, <±ÉɽþɤÉÉnù ¤ÉéEò

ªÉ½þ |ɨÉÉÊhÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ ÊEò- (B) ½þ¨ÉxÉä Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 ½äþiÉÖ ¤ÉéEò Eäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå +Éè®ú xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ EòÒ ºÉ¨ÉÒIÉÉ EòÒ ½èþ +Éè®ú ½þ¨ÉÉ®úÒ ºÉ´ÉÉäÇkÉ¨É VÉÉxÉEòÉ®úÒ +Éè®ú Ê´É·ÉÉºÉ Eäò +xÉÖºÉÉ®ú :

i)

ii) ªÉä Ê´É´É®úhÉ ¤ÉéEò Eäò ÊGòªÉÉEò±ÉÉ{ÉÉå EòÒ ºÉiªÉ +Éè®ú =ÊSÉiÉ UôÊ´É |ɺiÉÖiÉ Eò®úiÉä ½éþ iÉlÉÉ ¨ÉÉèVÉÚnùÉ ±ÉäJÉÉ ¨ÉÉxÉEòÉå, |ɪÉÉäVªÉ Ê´ÉÊvɪÉÉå +Éè®ú Ê´ÉÊxɪɨÉxÉÉå Eäò +xÉÖºÉÉ®ú ½éþ* (¤ÉÒ) ½þ¨ÉÉ®úÒ ºÉ´ÉÉäÇkÉ¨É VÉÉxÉEòÉ®úÒ +Éè®ú Ê´É·ÉÉºÉ Eäò +xÉÖºÉÉ®ú ´É¹ÉÇúú Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä EòÉä<Ç ¦ÉÒ BäºÉÉ ±ÉäxÉnäùxÉ xɽþÓ ÊEòªÉÉ ½èþ VÉÉä Eò{É]õ{ÉÚhÉÇ, +´ÉèvÉ +lÉ´ÉÉ ¤ÉéEò EòÒ +ÉSÉÉ®ú ºÉÆʽþiÉÉ Eäò Ê´É°ürù ½þÉä* (ºÉÒ) ½þ¨É Ê´ÉkÉÒªÉ Ê®ú{ÉÉäÊ]õÇÆMÉ ½äþiÉÖ +ÉÆiÉÊ®úEò ÊxɪÉÆjÉhÉ ºlÉÉÊ{ÉiÉ Eò®úxÉä +Éè®ú <ºÉä ¤ÉxÉÉB ®úJÉxÉä EòÉ =kÉ®únùÉʪÉi´É º´ÉÒEòÉ®ú Eò®úiÉä ½éþ +Éè®ú ªÉ½þ ÊEò ½þ¨ÉxÉä Ê´ÉkÉÒªÉ Ê®ú{ÉÉäÊ]õÇÆMÉ ºÉä ºÉƤÉÆÊvÉiÉ ¤ÉéEò EòÒ +ÉÆiÉÊ®úEò ÊxɪÉÆjÉhÉ |ÉhÉÉʱɪÉÉå EòÉ ¨ÉÚ±ªÉÆÉEòxÉ ÊEòªÉÉ ½èþ +Éè®ú BäºÉä +ÉÆiÉÊ®úEò ÊxɪÉÆjÉhÉ |ÉhÉÉʱɪÉÉå EòÒ °ü{É®äúJÉÉ ªÉÉ {ÉÊ®úSÉɱÉxÉ EòÒ =xÉ Ê´ÉºÉÆMÉÊiɪÉÉå EòÉä, ªÉÊnù EòÉä<Ç ½þÉä, VÉÉä ½þ¨ÉÉ®úÒ VÉÉxÉEòÉ®úÒ ¨Éå ½éþ +Éè®ú

(i) Ê´ÉkÉÒªÉ ´É¹ÉÇú 2017-18 Eäò nùÉè®úÉxÉ Ê´ÉkÉÒªÉ Ê®ú{ÉÉäÊ]õÇÆMÉ {É®ú +ÉÆiÉÊ®úEò ÊxɪÉÆjÉhÉ ¨Éå EòÉä<Ç ¨É½þi´É{ÉÚhÉÇú {ÉÊ®ú´ÉiÉÇxÉ xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ*

(ii) Ê{ÉUô±Éä Ê´ÉkÉÒªÉ ´É¹ÉÇ 2016-17 ¨Éå +{ÉxÉɪÉÒ MÉ<Ç ±ÉäJÉÉ xÉÒÊiɪÉÉå EòÒ iÉÖ±ÉxÉÉ ¨Éå Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ +ÆMÉÒEÞòiÉ ±ÉäJÉÉ xÉÒÊiɪÉÉå ¨Éå EòÉä<Ç ¨É½þi´É{ÉÚhÉÇ {ÉÊ®ú´ÉiÉÇxÉ xɽþÓ ½èþ ʺɴÉÉªÉ ºÉƶÉÉäÊvÉiÉ BBºÉ-10 Eäò +xÉÖºÉÉ®ú *

(iii) vÉÉäJÉÉvÉcÒ EòÒ ¨É½þi´É{ÉÚhÉÇ PÉ]õxÉÉBÆ ÊVÉxÉEòÒ ½þ¨Éå VÉÉxÉEòÉ®úÒ ½Öþ<Ç +Éè®ú ÊVɺɨÉå |ɤÉÆvÉxÉ ªÉÉ ÊEòºÉÒ Eò¨ÉÇSÉÉ®úÒ EòÒ ºÉÆʱÉ{iÉiÉÉ, ªÉÊnù EòÉä<Ç ½èþ, ÊVɺÉEòÒ Ê´ÉkÉÒªÉ Ê®ú{ÉÉäÊ]õÇÆMÉ {É®ú ¤ÉéEò EòÒ +ÉÆiÉÊ®úEò ÊxɪÉÆjÉhÉ |ÉhÉɱÉÒ ¨Éå ¨É½þi´É{ÉÚhÉÇúúú ¦ÉÚʨÉEòÉ ½èþèþ*

(ºÉÆVÉªÉ +OÉ´ÉɱÉ) (=¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ) ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) B´ÉÆ ºÉÒB¡ò+Éäú |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ

ºlÉÉxÉ : EòÉä±ÉEòÉiÉÉ ÊnùxÉÉÆEò : 11.05.2017

156 COMPLIANCE CERTIFICATE BY CEO AND CFO

{Pursuant to Regulation 33 (2) read with Regulation 17 (8) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015}

To The Board of Directors, Allahabad Bank

This is to certify that:

(A) We have reviewed the financial statements and the cash flow statement of the Bank for the financial year 2017-18 and that to the best of our knowledge and belief:

(1) these statements do not contain any materially untrue statement or omit any material fact or contain statements that might be misleading.

(2) these statements together present a true and fair view of the Bank's affairs and are in compliance with existing accounting standards, applicable laws and regulations.

(B) There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year which are fraudulent, illegal or violative of the Bank's code of conduct.

(C) We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have evaluated the effectiveness of the internal control systems of the Bank pertaining to the financial reporting and we have disclosed to the auditors and the Audit Committee, deficiencies in the design or operation of such internal controls, if any, of which we are aware and the steps we have taken or propose to take to rectify these deficiencies.

(D) We have indicated to the Auditors and the Audit Committee:

(1) that no significant change in internal control over financial reporting has been made during the financial year 2017-18;

(2) that there has been no significant changes in accounting policies during the financial year 2017-18 as compared to those followed in preceding financial year 2016-17 except treatment of revaluation reserve as per revised AS-10. The same has been disclosed in the notes to the financial statements; and

(3) the instances of significant fraud of which we become aware and the involvement therein, if any, of the management or an employee having a significant role in the Bank's internal control system over financial reporting.

(Sanjay Aggarwal) (Usha Ananthasubramanian) General Manager (F&A) and CFO Managing Director & CEO

Place: Kolkata Date: 11.05.2018

157 < ±ÉÉ ½þÉ ¤ÉÉ nù ¤Éé Eò A L L A H A B A D B A N K 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉκlÉÊiÉ iÉÖ±ÉxÉ-{ÉjÉ BALANCE SHEET AS ON 31ST MARCH, 2018

{ÉÚÆVÉÒ B´ÉÆ näùªÉiÉÉBÆ +xÉÖºÉÚSÉÒ ªÉlÉÉκlÉÊiÉ/As on ªÉlÉÉκlÉÊiÉ/As on 31.03.2018 31.03.2017 Capital and Liabilities Schedule (` '000) (` '000)

{ÉÚÆVÉÒ / Capital 1 8,440,443 7,436,899 |ÉÉ®úÊIÉÊiɪÉÉÆ B´ÉÆ +ÊvɶÉä¹É / Reserves & Surplus 2 94,243,472 135,527,105 ¶ÉäªÉ®ú +É´ÉänùxÉ ®úÉ榃 ±ÉÆʤÉiÉ +ɤÉÆ]õxÉ / Share application money pending allotment 15,000,000 4,180,000 VɨÉÉ®úÉʶɪÉÉÄ / Deposits 3 2,136,038,278 2,018,702,157 =vÉÉ®ú /Borrowings 4 214,005,155 146,703,247 +xªÉ näùªÉiÉÉBÆ B´ÉÆ |ÉÉ´ÉvÉÉxÉ / Other Liabilities and Provisions 5 59,415,755 57,829,424 EÖò±É /Total: 2,527,143,103 2,370,378,832 +ÉκiɪÉÉÄ /ASSETS ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éä Æ xÉEònùÒ +Éè®ú ¶Éä¹Éù Cash and Balances with Reserve Bank of India 6 92,909,660 85,857,980 ¤ÉéEòÉå ¨Éå ¶Éä¹Éù +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú vÉxÉ Balances with Banks and Money at Call and Short Notice 7 121,309,226 134,695,189 ÊxÉ´Éä¶É /Investments 8 677,140,245 551,360,686 +ÊOÉ¨É /Advances 9 1,520,607,442 1,507,526,993 +SÉ±É +ÉκiɪÉÉÄ /Fixed Assets 10 31,320,863 31,918,503 +xªÉ +ÉκiɪÉÉÄ /Other Assets 11 83,855,667 59,019,481 EÖò±É /Total: 2,527,143,103 2,370,378,832 +ÉEòʺ¨ÉEò näùªÉiÉÉBÄ /Contingent Liabilities 12 2,121,472,384 1,680,857,731 ºÉ¨Éɽþ®úhÉ Eäò ʱÉB Ê¤É±É /Bills for Collection 128,770,524 156,698,334 ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉÆ/Significant Accouning Policies 17 ±ÉäJÉÉ {É®ú Ê]õ{{ÉhÉÒ /Notes on Accounts 18 >ð{É®ú ºÉÆnù̦ÉiÉ +xÉÖºÉÚÊSɪÉÉÄ ±ÉäJÉä EòÉ +ʦÉzÉ +ÆMÉ ½éþ The schedules referred to above form an integral part of the accounts =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ BxÉ. Eäò. ºÉÉ½Ú BºÉ. ½þÊ®¶ÉÆEò®úþ BºÉ. +OÉ´ÉÉ±É BºÉ. Eäò. VÉèxÉúþ BºÉ. ¤É±É |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ B´ÉÆ ºÉÒB¡ò+Éä) ={É ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) ºÉ½þɪÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) Usha Ananthasubramanian N. K. Sahoo S. Harisankar S.Aggarwal S. K. Jain S. Bal Managing Director & CEO Executive Director Executive Director General Manager Dy. General Manager(F&A) Asstt General Manager(F&A) (Finance & Accounts and CFO) ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors ÊxÉnäù¶ÉEò / Directors: EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ/Shri Rajeev Ranjan For M/s Raju & Prasad For M/s Kansal Singla & Associates ¸ÉÒ Ê´É´ÉäEò nùÒ{É /Shri Vivek Deep ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ/Shri Sarat Sura Chartered Accountants Chartered Accountants ¸ÉÒ Ê¤ÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ/ Shri Bijaya Kumar Sahoo ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N b÷Éì. {ÉÉlÉÇ |ÉÊiÉ¨É {ÉɱÉúþ/Dr. Partha Pratim Pal (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÇÉ/Prof. Radha R. Sharma (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405 EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ÊnùxÉÉÆEò / Date: 11.05.2018 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224 158 < ±ÉÉ ½þÉ ¤ÉÉ nù ¤Éé Eò A L L A H A B A D B A N K 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ±ÉÉ¦É YJk ½þÉÊxÉ ±ÉäJÉÉ Profit and Loss Account for the year ended 31st March, 2018 Ê´É´É®úhÉ +xÉÖºÉÚSÉÒ ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended Particulars Schedule 31.03.2018 31.03.2017 (` '000) (` '000) I. +ÉªÉ /INCOME +ÌVÉiÉ ¤ªÉÉVÉ /Interest earned 13 163,584,926 176,603,936 +xªÉ +ÉªÉ /Other income 14 26,925,602 26,443,311 EÖò±É /Total : 190,510,528 203,047,247 II. ´ªÉªÉ /EXPENDITURE ´ªÉªÉ ÊEòªÉÉ MɪÉÉ ¤ªÉÉVÉ /Interest expended 15 116,261,027 123,733,636 {ÉÊ®úSÉɱÉxÉ ´ªÉªÉ /Operating expenses 16 39,866,261 40,645,920 |ÉÉ´ÉvÉÉxÉ +Éè®ú +ÉEòκ¨ÉEò ´ªÉªÉ / Provisions & contingencies 81,126,919 41,802,851 EÖò±É /Total : 237,254,207 206,182,407

III. ÊxɴɱÉù ±ÉÉ¦É /Net Profit (46,743,679) (3,135,160) +OÉÉxÉÒiÉ ¶Éä¹É /Balance brought forward (6,163,198) (3,600,813) EÖò±É /Total : (52,906,877) (6,735,973) IV. Ê´ÉÊxɪÉÉäVÉxÉ / APPROPRIATIONS ºÉÉÆÊ´ÉÊvÉEò |ÉÉ®úÊIÉÊiɪÉÉäÆ EòÉä +ÆiÉ®úhÉ /Transfer to Statutory Reserve ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ®úÉVɺ´É B´ÉÆ +xªÉ |ÉÉ®úÊIÉÊiɪÉÉå EòÉä +ÆiÉ®úhÉ /Transfer to Revenue & Other Reserve ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL {ÉÚÆVÉÒ |ÉÉ®úÊIÉÊiÉ-+xªÉ EòÉä +ÆiÉ®úhÉ/Transfer to Capital Reserve - Others ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ʴɶÉä¹É |ÉÉ®úÊIÉÊiɪÉÉä EòÉä +ÆiÉ®úhÉ, +É<]õÒ BC]õ EòÒ vÉÉ®úÉ 36(1)(viii) Eäò +xÉÖºÉÉ®/ Transfer to Special Reserve (in terms of Sec 36(1)(viii)of IT Act,1961) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL +É<Ç+É®úBºÉ |ÉÉ®úÊIÉÊiÉ EòÉä/mu yk;hK / Transfer to / from IRS Reserve ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL |ɺiÉÉÊ´ÉiÉ ±ÉɦÉÉÆ¶É / Proposed Dividend ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ±ÉɦÉÉÆ¶É {É®ú Eò®ú /Tax on Dividend ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iÉÖ±ÉxÉ {ÉjÉ ¨Éä +OÉäxÉÒiÉ ¶Éä¹É/Balance carried to Balance Sheet (52,906,877) (6,735,973) EÖò±É /Total : (52,906,877) (6,735,973) ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉÆ/Significant Accouning Policies 17 ±ÉäJÉÉ {É®ú Ê]õ{{ÉÊhɪÉÉÄ /Notes on Accounts 18 |ÉÊiÉ ¶ÉäªÉ®ú +VÉÇxÉ (¤ÉäʺÉEò ´É b÷É<±ªÉÖ]äõb÷) (`){+xÉÖ.18 (4.7) EòÉ ºÉÆnù¦ÉÇ ±Éå } / Earnings per share (Basic and Diluted) (`) {refer Sch.18 (4.7)} (59.63) (4.36) >ð{É®ú ºÉÆnù̦ÉiÉ +xÉÖºÉÚÊSɪÉÉÄ ±ÉäJÉä EòÉ +ʦÉzÉ +ÆMÉ ½éþ The schedules referred to above form an integral part of the accounts =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ BxÉ. Eäò. ºÉÉ½Ú BºÉ. ½þÊ®¶ÉÆEò®úþ BºÉ. +OÉ´ÉÉ±É BºÉ. Eäò. VÉèxÉúþ BºÉ. ¤É±É |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ B´ÉÆ ºÉÒB¡ò+Éä) ={É ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) ºÉ½þɪÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) Usha Ananthasubramanian N. K. Sahoo S. Harisankar S.Aggarwal S. K. Jain S. Bal Managing Director & CEO Executive Director Executive Director General Manager Dy. General Manager(F&A) Asstt General Manager(F&A) (Finance & Accounts and CFO) ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors ÊxÉnäù¶ÉEò / Directors: EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ/Shri Rajeev Ranjan For M/s Raju & Prasad For M/s Kansal Singla & Associates ¸ÉÒ Ê´É´ÉäEò nùÒ{É /Shri Vivek Deep ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ/Shri Sarat Sura Chartered Accountants Chartered Accountants ¸ÉÒ Ê¤ÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ/ Shri Bijaya Kumar Sahoo ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N b÷Éì. {ÉÉlÉÇ |ÉÊiÉ¨É {ÉɱÉúþ/Dr. Partha Pratim Pal (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÇÉ/Prof. Radha R. Sharma (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405 EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ÊnùxÉÉÆEò / Date: 11.05.2018 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224 159 +xÉÖºÉÚSÉÒ SCHEDULE ªÉlÉÉκlÉÊiÉ/As on ªÉlÉÉκlÉÊiÉ/As on 31.03.2018 31.03.2017 (` '000) (` '000) +xÉÖºÉÚSÉÒ 1 - {ÉÚÄVÉÒ SCHEDULE 1 - CAPITAL |ÉÉÊvÉEÞòiÉ {ÉÚÄVÉÒ /AUTHORISED CAPITAL `10/- |ÉiªÉäEò Eäò 3,00,00,00,000 <ÊC´É]õÒ ¶ÉäªÉ®ú 300,00,00,000 Equity Shares of `10/- each 30,000,000 30,000,000 ÊxÉMÉÇʨÉiÉ, +ʦÉnùkÉ B´ÉÆ |ÉnùkÉ {ÉÚÆVÉÒ ISSUED, SUBSCRIBED & PAID UP CAPITAL Eäòxpù ºÉ®úEòÉ®ú uùÉ®úÉ "trh; `10/- ŒÀgufU 54,67,33,089 <ÎC´É]õÒ ¶ÉäªÉ® 54,67,33,089 Equity Shares of `10/- each 5,467,331 4,902,085 held by Central Government VÉxÉiÉÉ B´ÉÆ +xªÉ uùÉ®úÉ vÉÉÊ®úiÉ `10/- |ÉiªÉäEò Eäò 29,73,11,223 <ÎC´É]õÒ ¶ÉäªÉ®ú 29,73,11,223 Equity Shares of `10/- each 2,973,112 2,534,814 held by Public & Others EÖò±É /Total : 8,440,443 7,436,899

+xÉÖºÉÚSÉÒ 2 - |ÉÉ®úÊIÉÊiɪÉÉÆ +Éè®ú +ÊvɶÉä¹É SCHEDULE 2 - RESERVES & SURPLUS

I. ºÉÉÆÊ´ÉÊvÉEò |ÉÉ®úÊIÉÊiɪÉÉÆ/Statutory Reserves i) +lɶÉä¹É / Opening Balance 32,043,870 32,043,870 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : 32,043,870 32,043,870 II. {ÉÚÄVÉÒ |ÉÉ®úÊIÉÊiɪÉÉÆ / Capital Reserves B/A) {ÉÖxɨÉÚDZªÉÉÆEòxÉ |ÉÉ®úÊIÉÊiɪÉÉÆ /Revaluation Reserves i) +lɶÉä¹É /Opening Balance 26,004,674 26,480,257 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ/Addition during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ /Deduction during the year (435,432) ¶ÉÚxªÉ/NIL iv) ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ ±ÉäJÉÉ ¨Éå +ÆiÉ®úhÉ /Transfer to Profit & Loss Account ¶ÉÚxªÉ/NIL (475,583) EÖò±É /Total : 25,569,242 26,004,674 ¤ÉÒ/B) ʺlÉ®ú +ÉκiɪÉÉå Eäò Ê´ÉGòªÉ ¨Éå ºÉä |ÉÉ®úÊIÉÊiɪÉÉÆ Reserve out of sale of Fixed Assets i) +lɶÉä¹É /Opening Balance 103,251 103,251 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ /Addition during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ /Deduction during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : 103,251 103,251

160 ªÉlÉÉκlÉÊiÉ/As on ªÉlÉÉκlÉÊiÉ/As on 31.03.2018 31.03.2017 (` '000) (` '000)

ºÉÒ/C) +xªÉ / Others i) +lɶÉä¹É /Opening Balance 4,124,627 4,124,627 ii) ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ºÉä +ÆiÉ®úhÉ / Transfer from Profit & Loss Account ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : 4,124,627 4,124,627 EÖò±É (B+¤ÉÒ+ºÉÒ) /Total (A+B+C) 29,797,120 30,232,552 III. ¶ÉäªÉ®ú |ÉÒÊ¨ÉªÉ¨É /Share Premium i) +lɶÉä¹É / Opening Balance 34,640,641 27,428,075 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Addition during the year 6,328,693 7,212,566 EÖò±É /Total : 40,969,334 34,640,641

IV. ®úÉVɺ´É B´ÉÆ +xªÉ |ÉÉ®úÊIÉÊiɪÉÆÉ/Revenue & Other Reserves i) +lɶÉä¹É / Opening Balance 28,583,242 31,047,396 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Addition during the year 2,900,439 ¶ÉÚxªÉ/NIL iii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ / Deduction during the year (3,905,796) (2,464,154) EÖò±É /Total : 27,577,885 28,583,242 V. Ê´ÉÊxÉvÉÉxÉ |ÉÉ®úÊIÉiÉÒ JÉÉiÉÉ / Investment Reserve Account i) +lɶÉä¹É / Opening Balance 1,385,855 1,385,855 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ /Additions during the period ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii) ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éä +iÉÆ®úhÉ/Transfer to Profit & Loss Account ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : 1,385,855 1,385,855 VI. ʴɶÉä¹É |ÉÉ®úÊIÉÊiɪÉÉÆ (+ÉªÉ Eò®ú +ÊvÉÊxɪɨÉ, 1961EòÒ vÉÉ®úÉ 36(1)(viii) Eäò iɽþiÉ)/ Special Reserve (U/S 36(1)(viii) of I T Act,1961) i) +lɶÉä¹É / Opening Balance 14,500,000 14,500,000 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ/ Additions during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total 14,500,000 14,500,000 VII. Ê´Énùä¶ÉÒ ¨ÉÖpùÉ {ÉÊ®ú´ÉiÉÇxÉ |ÉÉ®úÊIÉÊiÉ /Foreign Currency Translation Reserve i) +lɶÉä¹É / Opening Balance 857,855 970,743 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉAdditon during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ / ºÉ¨ÉɪÉÉäVÉxÉ / Deduction/Adj. during the year (633) (112,888) EÖò±É /Total: 857,222 857,855 VIII. +É<Ç. +É®ú. BºÉ. |ÉÉ®úÊIÉiÉÒ / I R S RESERVE i) +lɶÉä¹É / Opening Balance 19,063 19,063 ii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ / Deduction during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : 19,063 19,063 IX. ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨ÉäÆ ¶Éä¹É / Balance in Profit & Loss Account (52,906,877) (6,735,973) EÖò±É /Total: (I+II+III+IV+V+VI+VII+VIII+IX) 94,243,472 135,527,105

161 ªÉlÉÉκlÉÊiÉ/As on ªÉlÉÉκlÉÊiÉ/As on 31.03.2018 31.03.2017 (` '000) (` '000) +xÉÖºÉÚSÉÒ 3 - VɨÉÉ SCHEDULE 3 - DEPOSITS I. ¨ÉÉÆMÉ VɨÉÉ /Demand Deposits i) ¤ÉéEòÉäÆ ºÉä /From Banks 201,437 517,410 ii) +xªÉ ºÉä /From Others 103,823,361 117,827,938 EÖò±É /Total : 104,024,798 118,345,348 II. ¤ÉSÉiÉ ¤ÉéEò VɨÉÉ /Savings Bank Deposits 880,168,369 797,637,895 III. ¨ÉÒªÉÉnùÒ VɨÉÉ /Term Deposits i) ¤ÉéEòÉäÆ ºÉä /From Banks 19,503,133 17,633,791 ii) +xªÉ ºÉä /From Others 1,132,341,978 1,085,085,123 EÖò±É /Total : 1,151,845,111 1,102,718,914 EÖò±É /Total : (I+II+III) 2,136,038,278 2,018,702,157 i) ¦ÉÉ®úiÉ ¨Éå κlÉiÉ ¶ÉÉJÉÉ+Éå Eäò VɨÉÉ / Deposits of branches in India 2,108,417,008 1,993,347,791 ii) ¦ÉÉ®úiÉ Eäò ¤Éɽþ® úκlÉiÉ ¶ÉÉJÉÉ+Éå Eäò VɨÉÉ / Deposits of branches outside India 27,621,270 25,354,366 EÖò±É /Total : 2,136,038,278 2,018,702,157 +xÉÖºÉÚSÉÒ 4 - =vÉÉ®ú SCHEDULE 4 - BORROWINGS I. ¦ÉÉ®úiÉ ¨Éå =vÉÉ®ú / Borrowings in India i) ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò /Reserve Bank of India 79,543,600 ¶ÉÚxªÉ/NIL ii) +xªÉ ¤ÉéEò /Other Banks ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii) +xªÉ ºÉƺlÉÉBÄ B´ÉÆ +ʦÉEò®úhÉ /Other Institutions and Agencies 5,016,567 6,860,769 iv) MÉÉèhÉ xÉ´ÉÉäx¨Éä¹ÉÒ ¤ÉäʨɪÉÉnùÒ @ñhÉ Ê±ÉJÉiÉ / Subordinated Innovative Perpetual Debt Instrument. 3,000,000 3,000,000 v) MÉÉèhÉ @ñhÉ-+{É®ú Ê]õªÉ®ú 2 {ÉÚÄVÉÒ / Subordinated Debt - Upper Tier II Capital 10,000,000 10,000,000 vi) MÉÉèhÉ @ñhÉú - Ê]õªÉ®ú 2 {ÉÚÄVÉÒ / Subordinated Debt - Tier II Capital 8,500,000 13,500,000 vii) MÉÉèhÉ @ñhÉ-¤ÉɺÉä±É III +xÉÖ{ÉÉʱÉiÉ Ê]õªÉ®ú 2 {ÉÚÄVÉÒ / Subordinated Debt - Tier II Capital (Basel III Compliant) 25,000,000 25,000,000 viii)MÉÉèhÉ @ñhÉ-¤ÉɺÉä±É III +xÉÖ{ÉÉʱÉiÉ Ê]õªÉ®ú 2 {ÉÚÄVÉÒ / Subordinated Perpetual Debt - Additional 15,000,000 3,000,000 Tier I Capital (Basel III Compliant) EÖò±É /Total : 146,060,167 61,360,769 II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú =vÉÉ®ú /Borrowings outside India 67,944,988 85,342,478 EÖò±É /Total :(I+II) 214,005,155 146,703,247 ={ɪÉÖÇúHòú I +Éè®ú II ¨Éå ºÉΨ¨ÉʱÉiÉ |ÉÊiɦÉÚiÉ =vÉÉ® Secured borrowings included in I & II above ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL +xÉÖºÉÚSÉÒ 5 - +xªÉ näùªÉiÉÉBÆ B´ÉÆ |ÉÉ´ÉvÉÉxÉ SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS I. ºÉÆnäùªÉ Ê¤É±É /Bills Payable 7,409,529 10,421,924 II. +ÆiÉ®ú EòɪÉÉÇ±ÉªÉ ºÉ¨ÉɪÉÉäVÉxÉ (ÊxɴɱÉ) /Inter Office Adjustment (Net) 1,427,692 633,646 III. ={ÉÊSÉiÉ ¤ªÉÉVÉ /Interest Accrued 4,653,276 3,974,530 IV. +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉBÄ / Deferred Tax Liabilities (Net) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL V. +xªÉ (|ÉÉ´ÉvÉÉxÉ ºÉʽþiÉ) /Others (including provisions) 45,925,258 42,799,324 EÖò±É /Total : 59,415,755 57,829,424

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+xÉÖºÉÚSÉÒ 6 - ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå xÉEònùÒ +Éè®ú ¶Éä¹É SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA I. ®úÉäEòc÷ ¶Éä¹É / Cash in hand 6,188,892 5,820,178 (Ê´Énäù¶ÉÒ Eò®åúºÉÒ xÉÉä]õ ºÉνiÉþ)(including foreign currency notes) II. ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É /Balances with Reserve Bank of India - SÉɱÉÚ JÉÉiÉä ¨Éå / -in Current Account 86,720,768 80,037,802 - +xªÉ JÉÉiÉÉå ¨Éå -/in Other Accounts ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : 92,909,660 85,857,980

+xÉÖºÉÚSÉÒ 7 - ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{ªÉ vÉxÉ

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE I. ¦ÉÉ®úiÉ ¨Éå /In India i. ¤ÉéEòÉå ¨Éå ¶Éä¹É /Balances with Banks a) SÉɱÉÚ JÉÉiÉÉå ¨Éå /in Current Accounts 257,394 318,481 b) +xªÉ VɨÉÉ JÉÉiÉÉå ¨Éå /in Other Deposit Accounts 44,980,375 38,585,375 ii. ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{ªÉ vÉxÉ /Money at Call and Short Notice B/a) ¤ÉéEòÉå ¨Éå / With Banks 39,584,581 64,965,310 ¤ÉÒ/b) +xªÉ ºÉƺlÉÉ+Éå ¨Éå /With Other Institutions ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : ( i + ii ) 84,822,350 103,869,166 II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú /Outside India i. ¤ÉéEòÉå ¨Éå ¶Éä¹É /Balances with Banks B/a) SÉɱÉÚ JÉÉiÉÉå ¨Éå /in Current Accounts 10,156,116 21,098,548 ¤ÉÒ/b) +xªÉ VɨÉÉ JÉÉiÉÉå ¨Éå / in Other Deposit Accounts ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ii. ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{ªÉ vÉxÉ /Money at Call and Short Notice B/a) ¤ÉéEòÉå ¨Éå /With Banks 26,330,760 9,727,475 ¤ÉÒ/b) +xªÉ ºÉƺlÉÉ+Éå ¨Éå /With Other Institutions ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total : ( i + ii ) 36,486,876 30,826,023 EÖò±É /Total : (I+II) 121,309,226 134,695,189

+xÉÖºÉÚSÉÒ 8 - ÊxÉ´Éä¶É SCHEDULE 8 - INVESTMENTS I. ¦ÉÉ®úiÉ ¨Éå ÊxÉ´Éä¶É /Investments in India in i. ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÄ /Government Securities 625,284,005 474,122,687 ii. +xªÉ +xÉÖ¨ÉÉäÊnùiÉ |ÉÊiɦÉÚÊiɪÉÉÄ /Other Approved Securities ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii. ¶ÉäªÉ®ú/Shares 8,160,364 9,386,483 iv. Êb÷¤ÉåSÉ®ú +Éè®ú ¤ÉÆvÉ {ÉjÉ /Debentures & Bonds 37,994,616 36,541,277 v. +xÉÖ¹ÉÆÊMɪÉÉå iÉlÉÉ/+lÉ´ÉÉ ºÉƪÉÖHò =t¨ÉÉå ¨Éå Ê´ÉÊxÉvÉÉxÉ Investments in Subsidiaries and / or 1,557,913 1,553,146 Joint Ventures vi. +xªÉ (¨ªÉÖSÉÖ+±É ¡Æòb÷, ªÉÚ]õÒ+É<Ç +ÉÊnù) / Others ( Mutual Funds, UTI etc. ) 1,164,528 26,971,103 EÖò±É /Total : 674,161,426 548,574,696

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II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú ÊxÉ´Éä¶É/Investments Outside India i. ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ /Government Securities 2,978,819 2,785,990 ii. +xªÉ +xÉÖ¨ÉÉäÊnùiÉ |ÉÊiɦÉÚÊiɪÉÉÆ /Other Approved Securities ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii. ¶ÉäªÉ®ú /Shares ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iv. Êb÷¤ÉåSÉ®ú +Éè®ú ¤ÉÉÆb÷ú /Debentures & Bonds ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL v. +xÉÖ¹ÉÆÊMɪÉÉå +Éè®/ +lÉ´ÉÉ ºÉƪÉÖHò =t¨ÉÉäÆ ¨Éå ÊxÉ´Éä¶É ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

Investments in Subsidiaries and / or Joint Ventures vi. +xªÉ (¨ªÉÖSªÉÖ+±É ¡Æòb÷, ªÉÚ]õÒ+É<Ç

Others ( Mutual Funds, UTI etc. ) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

EÖò±É /Total : 2,978,819 2,785,990

ºÉEò±É ªÉÉäMÉ /GRAND TOTAL (I and II) 677,140,245 551,360,686

III. ¦ÉÉ®úiÉ ¨Éå ÊxÉ´Éä¶É /Investments in India

(i) ÊxÉ´Éä¶ÉÉäÆ ¨Éå ºÉEò±É ±ÉÉMÉiÉ/Gross Value of Investments 687,382,353 554,333,561

(ii) PÉ]õÉBÆ: ¨ÉÚ±ªÉ¿ÉºÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ /

Less: Provision for Depreciation 13,220,927 5,758,865

(iii) ÊxÉ´É±É ÊxÉ´Éä¶É (={ɪÉÖÇHò I Eäò iɽþiÉ) / Net Investments (vide I above) 674,161,426 548,574,696

IV. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú ÊxÉ´Éä¶É /Investments Outside India (i) ÊxÉ´Éä¶ÉÉäÆ ¨Éå ºÉEò±É ±ÉÉMÉiÉ/Gross Value of Investments 2,978,819 2,785,990

(ii) PÉ]õÉBÆ: ¨ÉÚ±ªÉ¿ÉºÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ /

Less: Provision for Depreciation ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

(iii) ÊxÉ´É±É ÊxÉ´Éä¶É (={ɪÉÖÇHò II Eäò iɽþiÉ) /

Net Investments (vide II above) 2,978,819 2,785,990

ºÉEò±É ªÉÉäMÉ /GRAND TOTAL (III and IV) 677,140,245 551,360,686

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+xÉÖºÉÚSÉÒ 9 - +ÊOÉ¨É SCHEDULE 9 - ADVANCES

B/A i. GòªÉ ÊEòªÉä MÉB B´ÉÆ ¦ÉÖxÉÉB MÉB Ê¤É±É / Bills purchased and discounted 13,952,850 25,667,339 ii. xÉEònùÒ @ñhÉ, +Éä´É®úbÅ÷É}]õ +Éè®ú ¨ÉÉÆMÉ {É®ú |ÉÊiɺÉÆnäùªÉ @ñhÉ / Cash credits, Overdrafts and loans repayable on demand 719,877,640 721,271,332 iii. ¨ÉÒªÉÉnùÒ @ñhÉ /Term Loans 786,776,952 760,588,322 EÖò±É /Total : 1,520,607,442 1,507,526,993

¤ÉÒ/B ¨ÉÚiÉÇ +ÉκiɪÉÉå uùÉ®úÉ |ÉÊiɦÉÚiÉ (¤É½þÒ @ñhÉ {É®ú +ÊOÉ¨É ºÉʽþiÉ) i) Secured by tangible assets 1,186,391,814 1,253,693,259 (includes advances against book debts) ii) ¤ÉéEò/ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉå uùÉ®úÉ ºÉÆ®úÊIÉiÉ Covered by Bank/Government Guarantees 61,847,435 72,579,239 iii) +|ÉÊiɦÉÚiÉ /Unsecured 272,368,193 181,254,495 EÖò±É /Total : 1,520,607,442 1,507,526,993 ºÉÒ/C. I. ¦ÉÉ®úiÉ ¨Éå +ÊOÉ¨É /Advances in India i. |ÉÉlÉʨÉEòiÉÉ IÉäjÉ /Priority Sector 622,652,000 653,784,100 ii. ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ /Public Sector 98,013,951 62,320,773 iii. ¤ÉéEò /Banks ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iv. +xªÉ /Others 699,721,965 676,414,518 EÖò±É /Total : 1,420,387,916 1,392,519,391 II. ¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú +ÊOÉ¨É / Advances outside India B/a) ¤ÉéEò ºÉä |ÉÉ{ªÉ / Due from Bank 73,696,683 76,219,788 ¤ÉÒ/b) +xªÉ ºÉä |ÉÉ{ªÉ / Due from others i) GòªÉ ÊEòB MÉB B´ÉÆ ¦ÉÖxÉÉB MÉB Ê¤É±É / Bills Purchased & Discounted 2,144,943 9,822,719 ii) ºÉɨÉÚʽþEò @ñhÉ/Syndicated Loan 22,259,095 26,274,202 iii) +xªÉ /Others 2,118,805 2,690,893 EÖò±É /Total : 100,219,526 115,007,602 EÖò±É /Total :(CI+CII) 1,520,607,442 1,507,526,993

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+xÉÖºÉÚSÉÒ 10 - +SÉ±É +ÉκiɪÉÉÄ SCHEDULE 10 - FIXED ASSETS I. {ÉÊ®úºÉ® ({ÉÖxɨÉÚDZªÉÉÆÊEòiÉ {ÉÊ®úºÉ®ú ºÉʽþiÉ)ú / Premises (including Revalued Premises) i. vqJoJ;eo JMo fuU 31 ¨ÉÉSÉÇ EòÒ ÎºlÉÊiÉ fuU ylwmth ±ÉÉMÉiÉ/ {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ ®úÉ榃 {É®ú

At cost / Revalued amount as on 31st March 29,408,849 29,076,585 of the preceding year ii. ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ /Revalued during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL iii. ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year 47,624 332,264 29,456,473 29,408,849 iv. ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèÊiɪÉÉÄ / ºÉ¨ÉɪÉÉäVÉxÉ / Deductions/ Adjustment during the year 66 ¶ÉÚxªÉ/NIL 29,456,407 29,408,849 v. Ê{ÉUô±Éä ´É¹ÉÇ ºÉä ºÉƤÉÆÊvÉiÉ ºÉ¨ÉɪÉÉäVÉxÉ/ Adjustment Related to previous year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 29,456,407 29,408,849 vi. ¤É½þÒ ¨ÉÚ±ªÉ EòÒ ÊiÉÊlÉ EòÉä ¨ÉÚ±ªÉ¿ÉºÉ/ Depreciation to date on book value 599,702 535,855 28,856,705 28,872,994 vii. {ÉÖxɨÉÚDZªÉxÉ ÊiÉÊlÉ EòÉä ¨ÉÚ±ªÉ¿ÉºÉ/ Depreciation to date on revaluation 1,542,020 1,106,588 27,314,685 27,766,406 viii.ÊxɨÉÉÇhÉÉvÉÒxÉ {ÉÊ®úºÉ®ú/Premises under Construction 104,189 146,105 EÖò±É /Total 27,418,874 27,912,511 II. +xªÉ +SÉ±É +ÉκiɪÉÉÆ (¡òxÉÔSÉ®ú B´ÉÆ Ê¡òCºÉSÉ®ú ºÉʽþiÉ)ú / Other Fixed Assets (including Furniture & Fixtures) i. {ÉÚ´ÉÇ´ÉiÉÔ ´É¹ÉÇ Eäò 31 ¨ÉÉSÉÇ EòÒ ÎºlÉÊiÉ Eäò +xÉÖºÉÉ®ú ±ÉÉMÉiÉ {É®ú/ At cost as on 31st March of the preceding year 14,339,326 13,479,998 ii. ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉú/Additions during the year 863,660 913,177 15,202,986 14,393,175 iii. ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õúÉèiÉÒ /Deductions during the year 35,925 53,849 15,167,061 14,339,326 iv. Ê´ÉMÉiÉ ´É¹ÉÇ ºÉä ºÉƤÉÆÊvÉiÉ ºÉ¨ÉɪÉÉäVÉxÉ / Adjustment Related to previous year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 15,167,061 14,339,326 v. ÊiÉÊlÉ EòÉä ¨ÉÚ±ªÉ¿ÉºÉ /Depreciation to date 11,265,072 10,333,334 EÖò±É /Total: 3,901,989 4,005,992 EÖò±É /Total :(I+II) 31,320,863 31,918,503

166 ªÉlÉÉκlÉÊiÉ/As on ªÉlÉÉκlÉÊiÉ/As on 31.03.2018 31.03.2017 (` '000) (` '000)

+xÉÖºÉÚSÉÒ 11 - +xªÉ +ÉκiɪÉÉÄ SCHEDULE 11 - OTHER ASSETS I. +ÆiÉ®ú EòɪÉÉÇ±ÉªÉ ºÉ¨ÉɪÉÉäVÉxÉ (ÊxɴɱÉ) /Inter Office Adjustment (Net) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL II. ={ÉÊSÉiÉ ¤ªÉÉVÉ /Interest Accrued 11,373,583 10,745,094 III. +ÊOÉ¨É °ü{É ¨Éå ºÉÆnùkÉ Eò®ú/ »ÉÉäiÉ {É®ú EòÉ]É MɪÉÉ Eò®ú (ÊxɴɱÉ) Tax paid in advance/tax deducted at source (net) 18,967,896 6,206,258 IV. ±ÉäJÉxÉ ºÉɨÉOÉÒ B´ÉÆ º]õɨ{É /Stationery and Stamps 234,392 208,395 V. nùÉ´ÉÉå EòÒ ºÉÆiÉÖι]õ ¨Éå |ÉÉ{iÉ EòÒ MÉ<Ç MÉè®ú-¤ÉéEòEòÉ®úÒ +ÉκiɪÉÉÄ Non-banking assets acquired in satisfaction of claims 355,460 355,460 VI. +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ (ÊxɴɱÉ)/Deferred Tax Assets (Net) 28,657,816 15,447,404 VII. yàg (rJrJ" YJk Wak;)/ Others (Sundries and Suspense) 24,266,520 ¶ÉÚxªÉ/NIL EÖò±É/Total : 83,855,667 59,019,481 +xÉÖºÉÚSÉÒ 12 - +ÉEòκ¨ÉEò näùªÉiÉÉBÆ SCHEDULE 12 - CONTINGENT LIABILITIES I. ¤ÉéEò Eäò ʴɯûrù nùÉ´Éä ÊVÉx½åþ @ñhÉ Eäò °ü{É ¨Éå º´ÉÒEòÉ®ú xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ (+{ÉÒ±ÉÉvÉÒxÉ Ê´É´ÉÉÊnùiÉ +ɪÉEò®ú ¨ÉÉÆMÉÉå ºÉʽþiÉ) Claims against the bank, not acknowledged as debts 20,167,125 20,948,140 (including disputed Income Tax demands under appeals) II. +ƶÉiÉ: ºÉÆnùkÉ ÊxÉ´Éä¶ÉÉå Eäò ʱÉB näùªÉiÉÉ/Liability for partly paid 1,600 1,600 investments III. ¤ÉEòɪÉÉ ´ÉɪÉnùÉ Ê´ÉÊxÉ¨ÉªÉ ºÉÆÊ´ÉnùÉ+Éå Eäò EòÉ®úhÉ näùªÉiÉÉ/ Liability on account of outstanding 1,925,905,107 1,489,748,365 forward exchange contracts IV. ºÉÆPÉ]EòÉå EòÒ +Éä®úú ºÉä nùÒ MÉ<Ç |ÉiªÉɦÉÚÊiɪÉÉÄ Guarantees given on behalf of constituents (i) ¦ÉÉ®úiÉ ¨Éå /In India 86,199,723 73,994,964 (ii) ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú /Outside India 30,339,889 42,188,202 V. |ÉÊiÉOɽþhÉ, {ÉÞ¹`öÉÆEòxÉ +Éè®ú +xªÉ ¤ÉÉvªÉiÉÉBÆ/ Acceptances, endorsements 56,749,571 53,407,884 and other obligations VI. +xªÉ ¨Énåù ÊVÉxÉEäò ʱÉB ¤ÉéEò ºÉ¨ÉÉʸÉiÉ °ü{É ºÉä ÊVɨ¨ÉänùÉ®ú ½èþ Other items for which the Bank is 2,109,369 568,576 contingently liable EÖò±É /Total : 2,121,472,384 1,680,857,731

167 ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended 31.03.2018 31.03.2019 (` '000) (` '000) +xÉÖºÉÚSÉÒ 13 - +ÌVÉiÉ ¤ªÉÉVÉ SCHEDULE 13 - INTEREST EARNED

I) +ÊOɨÉÉå/ʤɱÉÉå {É®ú ¤ªÉÉVÉ/¤É]Âõ]õÉ /Interest/discount on advances / bills 110,285,356 126,030,960 II) ÊxÉ´Éä¶ÉÉå {É®ú +ÉªÉ /Income on investments 40,973,393 41,201,239 III) ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É +Éè®ú +xªÉ +ÆiÉ®ú ¤ÉéEò ÊxÉÊvɪÉÉå {É®ú ¤ªÉÉVÉ Interest on balances with Reserve Bank of India and other inter-bank funds 9,686,567 6,126,904 IV) yàg/Others 2,639,610 3,244,833

EÖò±É /Total : 163,584,926 176,603,936

+xÉÖºÉÚSÉÒ 14 - +xªÉ +ÉªÉ SCHEDULE 14 - OTHER INCOME

I) Eò¨ÉÒ¶ÉxÉ, Ê´ÉÊxÉ¨ÉªÉ B´ÉÆ ¥ÉÉäEò®äúVÉ / Commission, exchange & brokerage 10,006,330 9,994,228 II) ÊxÉ´Éä¶ÉÉå Eäò Ê´ÉGòªÉ ºÉä |ÉÉ{iÉ ±ÉÉ¦É / Profit on sale of investments 538,536,825 9,952,629 PÉ]õÉBÆ& ÊxÉ´Éä¶É Eäò Ê´ÉGòªÉ {É®ú ½þÉÊxÉ Less: Loss on sale of Investment (532,431,088) (832,878) III) ¦ÉÚʨÉ, ¦É´ÉxÉ iÉlÉÉ +xªÉ +ÉκiɪÉÉå Eäò Ê´ÉGòªÉ {É®ú ±ÉÉ¦É Profit on Sale of Land, Building and Other Assets 155 308 PÉ]õÉBÆ& ¦ÉÚʨÉ, ¦É´ÉxÉ iÉlÉÉ +xªÉ +ÉκiɪÉÉå Eäò Ê´ÉGòªÉ {É®ú ½þÉÊxÉ Less: Loss on sale of Land, Building and Other Assets (219) (37) IV) Ê´ÉÊxÉ¨ÉªÉ ±ÉäxÉnäùxÉÉå {É®ú ±ÉÉ¦É Profit on exchange transactions 2,578,641 4,016,260 PÉ]õÉBÆ& Ê´ÉÊxÉ¨ÉªÉ ±ÉäxÉnäùxÉÉå {É®ú ½þÉÊxÉ Less : Loss on exchange transaction (692,413) (491,395) V) ¦ÉÉ®úiÉ ¨Éå +xÉÖ¹ÉÆÊMɪÉÉäÆ /EÆò{ÉÊxɪÉÉå iÉlÉÉú / +lÉ´ÉÉ ºÉƪÉÖHò =t¨ÉÉå

EÖò±É /Total : 26,925,602 26,443,311

+xÉÖºÉÚSÉÒ 15 - ´ªÉªÉ ÊEòªÉÉ MɪÉÉ ¤ªÉÉVÉ SCHEDULE 15 - INTEREST EXPENDED

I) VɨÉÉ®úÉʶɪÉÉå {É®ú ¤ªÉÉVÉ /Interest on deposits 108,600,273 117,592,519 II) ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò/+ÆiÉ®ú-¤ÉéEò =vÉÉ®úÉå {É®ú ¤ªÉÉVÉ Interest on RBI/Inter bank borrowings 1,368,503 903,392 III) +xªÉ/Others 6,292,251 5,237,725 EÖò±É /Total : 116,261,027 123,733,636

168 ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended 31.03.2018 31.03.2017 (` '000) (` '000) +xÉÖºÉÚSÉÒ 16 - {ÉÊ®úSÉɱÉxÉ ´ªÉªÉ SCHEDULE 16 - OPERATING EXPENSES

I) Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ¦ÉÖMÉiÉÉxÉ iÉlÉÉ =xÉEäò ʱÉB |ÉÉ´ÉvÉÉxÉ Payments to and provisions for employees 21,581,041 22,859,372 II) ¦ÉÉc÷É, Eò®ú B´ÉÆ ®úÉä¶ÉxÉÒ /Rent, Taxes and Lighting 4,350,152 5,028,827 III) ¨ÉÖpùhÉ +Éè®ú ±ÉäJÉxÉ ºÉɨÉOÉÒ / Printing and stationery 404,028 361,722 IV) Ê´ÉYÉÉ{ÉxÉ +Éè®ú |ÉSÉÉ®ú /Advertisement and publicity 104,187 155,296 V) ¤ÉéEò EòÒ ºÉ¨{ÉÊkÉ {É®ú +´ÉIÉªÉ /Depreciation on Bank’s property 1,431,018 1,567,453 VI) ÊxÉnäù¶ÉEòÉå EòÒ ¡òÒºÉ, ¦ÉkÉä +Éè®ú ´ªÉªÉ / Directors’ fees, allowances and expenses 15,094 14,457 VII) ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ ¡òÒºÉ +Éè®ú ´ªÉªÉ (¶ÉÉJÉÉ ±ÉäJÉÉ{É®úÒIÉEòÉå ºÉʽþiÉ) Auditors’ fees and expenses 260,787 253,360 (including branch auditors) VIII) Ê´ÉÊvÉ |ɦÉÉ®ú /Law charges 223,484 233,194 IX) b÷ÉEò, iÉÉ®ú, ]äõ±ÉÒ¡òÉäxÉ +ÉÊnù / Postages,Telegrams,Telephones etc 788,375 762,279 X) ¨É®ú¨¨ÉiÉ +Éè®ú +xÉÖ®úIÉhÉ / Repairs and maintenance 1,246,747 1,384,242 XI) ¤ÉÒ¨ÉÉ /Insurance 2,252,632 2,098,376 XII) +xªÉ ´ªÉªÉ / Other expenditure 7,208,716 5,927,342 EÖò±É /Total : 39,866,261 40,645,920

169 +xÉÖºÉÚSÉÒ - 17 ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉÄ Schedule 17 - SIGNIFICANT ACCOUNTING POLICIES 1. iÉèªÉÉ®úÒ EòÉ +ÉvÉÉ®ú 1. Basis of Preparation: Ê´ÉkÉÒªÉ Ê´É´É®úhÉ EòÉä, VɽþÉÆ +xªÉlÉÉ =α±ÉÊJÉiÉ xÉ ½þÉä, ±ÉäJÉÉ EòÒäò {É®Æú{É®úÉMÉiÉ The financial statements are prepared under the historical cost ±ÉÉMÉiÉ {ÉÊ®ú{ÉÉ]õÒ B´ÉÆ ={ÉÊSÉiÉ +ÉvÉÉ®ú {É®ú iÉlÉÉ ºÉÉÆÊ´ÉÊvÉEò |ÉÉ´ÉvÉÉxÉÉå B´ÉÆ convention and accrual basis of accounting, unless otherwise ºÉɨÉÉxªÉiÉ: º´ÉÒEòɪÉÇ ±ÉäJÉÉ ÊºÉrùÉÆiÉÉå Eäò +xÉÖ°ü{É ¤ÉxÉɪÉÉ MɪÉÉ ½èþ* stated and are in conformity with the statutory provisions and generally accepted accounting principles. Ê´ÉkÉÒªÉ Ê´É´É®úÊhɪÉÉÄ ¤ÉéËEòMÉ +ÊvÉÊxÉªÉ¨É 1949 Eäò +ÆiÉMÉÇiÉ ÊxÉvÉÉÇÊ®úiÉ +{ÉäIÉÉ+Éå The financial statements are prepared in accordance with Eäò +xÉÖ°ü{É +Éè®ú ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò (¦ÉÉ.Ê®ú.¤ÉéEò) uùÉ®úÉ +ÉªÉ +ʦÉYÉÉxÉ, requirements prescribed under the Banking Regulation Act, +ÉκiÉ ´ÉMÉÔEò®úhÉ, |ÉÉ´ÉvÉÉxÉÒEò®úhÉ iÉlÉÉ +xªÉ ºÉƤÉÆÊvÉiÉ Ê´É¹ÉªÉÉå {É®ú VÉÉ®úÒ ÊEòB 1949 and conform to the guidelines issued by the Reserve MÉB ¨ÉÉMÉÇnù¶ÉÔ ÊxÉnæùù¶É ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ Bank of India (RBI) in respect to income recognition, asset classification, provisioning and other related matters and ¨ÉÉxÉEò B´ÉÆ +xªÉ =nÂùPÉÉä¹ÉhÉÉ+Éå iÉlÉÉ ¦ÉÉ®úiÉ Eäò ¤ÉéÊEòMÉ =tÉäMÉ ¨Éåä |ÉSÉʱÉiÉ Accounting Standards and other pronouncements issued by ±ÉäJÉÉ {ÉrùÊiÉ Eäò +xÉÖ°ü{É ¦ÉÒ ½éþ* The Institute of Chartered Accountants of India and accounting practices prevalent in the banking industry in India. Ê´Énäù¶ÉÒ EòɪÉÉDZɪÉÉå/¶ÉÉJÉÉ+Éå Eäò ºÉƤÉÆvÉ ¨Éå ºÉÉÆÊ´ÉÊvÉEò |ÉÉ´ÉvÉÉxÉÉå B´ÉÆ ºÉƤÉÆÊvÉiÉ In respect of foreign offices/branches statutory provisions and Ê´Énäù¶É ¨Éå |ÉSÉʱÉiÉ {ÉÊ®ú{ÉÉ]õÒ EòÉ +xÉÖ{ÉɱÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* practices prevailing in respective foreign countries are complied with. 2. |ÉÉCEò±ÉxÉÉå EòÉ ={ɪÉÉäMÉ 2. Use of Estimates: Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÉä iÉèªÉÉ®ú Eò®úxÉä Eäò ʱÉB |ɤÉÆvÉxÉ ºÉä +{ÉäÊIÉiÉ ½èþ ÊEò ´É½þ The preparation of financial statements requires the Ê´ÉkÉÒªÉ Ê´É´É®úhÉ EòÒ ÊiÉÊlÉ EòÉä +ÉκiɪÉÉå +Éè®ú näùªÉiÉÉ+Éå (+ÉEòκ¨ÉEò näùªÉiÉÉ+Éå Management to make estimates and assumptions considered ºÉʽþiÉ) EòÒ Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç ®úÉ榃 B´ÉÆ Ê®ú{ÉÉäÍ]õMÉ +´ÉÊvÉ ½äþiÉÖ Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç in the reported amounts of assets and liabilities (including +ÉªÉ +Éè®ú ´ªÉªÉ EòÒ ®úÉ榃 {É®ú Ê´ÉSÉÉ®ú Eò®úiÉä ½ÖþB |ÉÉCEò±ÉxÉ Eò®äú B´ÉÆ +xÉÖ¨ÉÉxÉ contingent liabilities) as of date of the financial statements and the reported income and expenses for the reporting period. ±ÉMÉÉB* |ɤÉÆvÉxÉ EòÉ Ê´É·ÉÉºÉ ½èþ ÊEò Ê´ÉkÉÒªÉ Ê´É´É®úhÉ iÉèªÉÉ®ú Eò®úxÉä ½äþiÉÖ ={ɪÉÉäMÉ Management believes that the estimates used in preparation ÊEòB MÉB |ÉÉCEò±ÉxÉ Ê´É´ÉäEò{ÉÚhÉÇ B´ÉÆ ºÉ¨ÉÖÊSÉiÉ ½éþ* ¦ÉÉ´ÉÒ {ÉÊ®úhÉÉ¨É Indian Rupee equivalent at the spot exchange rates prevailing at the end of each quarter +ÉÄEòÒ VÉÉiÉÒ ½èþÆþ* as per FEDAI guidelines. ¤ÉÒ) MÉè®ú-¨ÉÉèÊpùEò ¨Énåù ±ÉäxÉnäùxÉ EòÒ ÊiÉÊlÉ {É®ú |ÉSÉʱÉiÉ Ê´ÉÊxÉ¨ÉªÉ nù®ú {É®ú (b) Non-monetary items are translated at exchange rates +ÉÄEòÒ VÉÉiÉÒ ½éþ* prevailing as on the date of transactions. ºÉÒ) ®úÉVɺ´É ¨ÉnùÉå EòÒ MÉhÉxÉÉ ±ÉäxÉnäùxÉ EòÒ ÊiÉÊlÉ {É®ú |ÉSÉʱÉiÉ Ê´ÉÊxÉ¨ÉªÉ (c) Revenue items are accounted for at the exchange nù®ú {É®ú EòÒ VÉÉiÉÒ ½èþ* rates prevailing on the date of transaction.

170 b÷Ò) ºÉ¦ÉÒ {ÉÊ®úhÉɨÉÒ Ê´ÉÊxÉªÉ¨É +ÆiÉ®úÉå EòÉä ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ¨Éå ʱɪÉÉ (d) All resulting exchange differences are accounted for MɪÉÉ ½èþ* in the Profit & Loss Account. (iii) +ÊOɨÉÉå EòÉä ¦ÉÉ®úiÉÒªÉ EòɪÉÉDZɪÉÉå ¨Éå |ÉSÉʱÉiÉ ¸ÉäÊhɪÉÉå Eäò +ÆiÉMÉÇiÉ ´ÉMÉÔEÞòiÉ (iii) Advances are classified under various categories in line ÊEòªÉÉ VÉÉiÉÉ ½èþ* +ÊOɨÉÉå Eäò ºÉƤÉÆvÉ ¨Éå |ÉÉ´ÉvÉÉxÉ ºlÉÉxÉÒªÉ Ê´ÉÊvÉ +{ÉäIÉÉ+Éå with those of Indian Offices. Provisions in respect of +lÉ´ÉÉ ¦ÉÉ.Ê®ú.¤ÉéEò Eäò ¨ÉÉxÉEòÉå, VÉÉä ¦ÉÒ +ÊvÉEò ½þÉä, Eäò +xÉÖºÉÉ®ú ÊEòªÉÉ advances are made as per the local law requirements or as per the norms of RBI, whichever is higher. VÉÉiÉÉ ½þè* 3.2 Branches in India 3.2 ¦ÉÉ®úiÉ ¨Éå ¶ÉÉJÉÉ+Éå ½äþiÉÖ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ¶Éä¹É ¦É±Éä ½þÒ +ÉκiÉ +lÉ´ÉÉ näùªÉiÉÉBÄ ½þÉå (B¡òºÉÒBxÉ+É®ú (i) Foreign currency balances whether of assets or liabilities (i) [including deposits mobilized under FCNR Scheme, EEFC ªÉÉäVÉxÉÉ, <Ç<ÇB¡òºÉÒ ªÉÉäVÉxÉÉ, +É®úB¡òºÉÒ ªÉÉäVÉxÉÉ

171 (iv) ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¨ÉÚ±ªÉÉÆEòxÉ Eäò |ɪÉÉäVÉxÉ (iv) As per RBI guidelines, the following principles are ½äþiÉÖ ÊxɨxÉʱÉÊJÉiÉ ÊºÉrùÉÆiÉ +{ÉxÉÉB MÉB ½éþ; adopted for the purpose of valuation; (B) (i) ‘BSÉ]õÒB¨É’ ¨Éå vÉÉÊ®úiÉ |ÉÊiɦÉÚÊiÉ- +VÉÇxÉ ±ÉÉMÉiÉ {É®ú (a) (i) Securities held in 'HTM' - at acquisition cost +ÆÊEòiÉ ¨ÉÚ±ªÉ ºÉä +ÊvÉEò +VÉÇxÉ ±ÉÉMÉiÉ EòÉä {ÉÊ®ú{ÉC´ÉiÉÉ EòÒ ¶Éä¹É The excess of acquisition cost over the face value is +´ÉÊvÉ ¨Éå {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½éþ* amortized over the remaining period of maturity, (ii) IÉäjÉÒªÉ OÉɨÉÒhÉ ¤ÉéEòÉå, +xÉÖ¹ÉÆÊMɪÉÉå B´ÉÆ ºÉƪÉÖHò =t¨ÉÉå ¨Éå ÊxÉ´Éä¶É EòÉä (ii) Investments in Regional Rural Banks, Subsidiaries ®úJÉÉ´É ±ÉÉMÉiÉ {É®ú ¨ÉÚ±ªÉÉÆÊEòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* and Joint Ventures are valued at carrying cost. ¨ÉÚ±ªÉ¿ÉºÉ, +ºlÉÉ<Ç ºÉä

 ½äþVÉ º´Éè{É  Hedge Swaps ¤ªÉÉVÉ nù®ú º´Éè{É, VÉÉä ¤ªÉÉVÉ ´ÉɱÉÒ +ÉκiɪÉÉå +Éè®ú näùªÉiÉÉ+Éå EòÉ ¤ÉSÉÉ´É Interest rate swap which hedges interest bearing Eò®úiÉÒ ½èþ, EòÉä ={ÉÊSÉiÉ +ÉvÉÉ®ú {É®ú ʽþºÉÉ¤É ¨Éå ʱɪÉÉ VÉÉiÉÉ ½èþ =ºÉ +ÉκiÉ assets or liabilities are accounted for on accrual basis +lÉ´ÉÉ näùªÉiÉÉ ½äþiÉÖ xÉɨÉÉäÊqù¹]õ º´Éè{É EòÉä UôÉäc÷Eò®ú ÊVɺÉä Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå except the Swaps designated with an asset or liability that is carried at lower of cost or market value in the ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ {É®ú +lÉ´ÉÉ ±ÉÉMÉiÉ ªÉÉ ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ ºÉä Eò¨É ¨ÉÚ±ªÉ {É®ú ʱɪÉÉ financial statements. VÉÉiÉÉ ½èþ* 172 º´Éè{É Eäò ÊxÉ®úºÉxÉ {É®ú ½þÉäxÉä ´ÉɱÉä ±ÉÉ¦É +lÉ´ÉÉ ½þÉÊxÉ EòÉä º´Éè{É EòÒ ºÉÆÊ´ÉnùÉMÉiÉ Gains or Losses on the termination of Swaps are +´ÉÊvÉ +lÉ´ÉÉ +ÉκiɪÉÉå/näùªÉiÉÉ+Éå EòÒ ¶Éä¹É +´ÉÊvÉ ºÉä Eò¨É {É®ú +ʦÉYÉÉiÉ recognized over the shorter of the remaining contractual life of the Swap or the remaining life of the assets / liabilities. ÊEòªÉÉ VÉÉiÉÉ ½èþ*  Trading Swaps  ]ÅäõËb÷MÉ º´Éè{É ]ÅäõËb÷MÉ º´Éè{É ±ÉäxÉnäùxÉÉå EòÉä Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå nùVÉÇ {ÉÊ®ú´ÉiÉÇxÉÉå Eäò ºÉÉlÉ Trading Swap transactions are marked to market with changes recorded in the financial statements. ¤ÉÉVÉÉ®ú ºÉä ÊSÉÊx½þiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* +ÊOÉ¨É 5. 5. Advances: ¦ÉÉ®úiÉ ¨Éå +ÊOɨÉÉå EòÉä ¨ÉÉxÉEò, +´É¨ÉÉxÉEò, ºÉÆÊnùùMvÉ +lÉ´ÉÉ ½þÉÊxÉMÉiÉ Eäò °ü{É (i) (i) Advances in India are classified as Standard, Sub Standard, ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ +Éè®ú ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ Doubtful or Loss Assets and provision for advances are Ê´É´ÉäEò{ÉÚhÉÇ ¨ÉÉxÉnÆùb÷Éå Eäò +xÉÖºÉÉ®ú |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Ê´Énäù¶ÉÒ ¶ÉÉJÉÉ+Éå made as per Prudential Norms of the RBI. In respect of ¨Éå ÊEòB MÉB +ÊOɨÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ advances made in overseas branches, advances are Ê´É´ÉäEò{ÉÚhÉÇ ¨ÉÉxÉnÆùb÷Éå +Éè®ú ÊVÉºÉ näù¶É ¨Éå +ÊOÉ¨É ÊnùB MÉB ½éþ =xÉEäò ºlÉÉxÉÒªÉ classified in accordance with prudential norms prescribed EòÉxÉÚxÉÉå, VÉÉä +ÊvÉEò Eòc÷É ½þÉä, Eäò +xÉÖºÉÉ®ú ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* by the RBI or local laws of the host country in which advances are made, whichever is more stringent. |ÉEòÊ]õiÉ +ÊOÉ¨É +xÉVÉÇEò +ÊOɨÉÉå ½äþiÉÖ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉ +Éè®ú ºÉÆ®úÊSÉiÉ (ii) (ii) Advances disclosed are net of provisions made for Non +ÊOɨÉÉå Eäò =ÊSÉiÉ ¨ÉÚ±ªÉ Eäò ¿ÉºÉ Eäò ¤Énù±Éä ÊEòB MÉB |ÉÉ´ÉvÉÉxÉÉå EòÉ ÊxÉ´É±É Performing Advances and provisions in lieu of diminution ½þÉäiÉÉ ½èþ* ºÉÆ®úÊSÉiÉ +ÊOɨÉÉå Eäò =ÊSÉiÉ ¨ÉÚ±ªÉ Eäò ¿ÉºÉ Eäò |ÉÉ´ÉvÉÉxÉ EòÉä in the fair value of Restructured Advances. The provision ¦ÉÉÊ®ú¤Éé Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ÊxÉ´É±É ´ÉiÉǨÉÉxÉ ¨ÉÚ±ªÉ {É®ú ¨ÉÉ{ÉÉ VÉÉiÉÉ for diminution in fair value of restructured advances is ½èþ* measured in net present value terms as per RBI guidelines. (iii) iÉlÉÉÊ{É ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¨ÉÉxÉEò (iii) The provision made for standard advances (performing) +ÊOɨÉÉå (={ɪÉÉäVªÉ) ½äþiÉÖ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉ EòÉä ‘‘+xªÉ näùªÉiÉÉBÄ B´ÉÆ in terms of RBI guidelines is however included in "Other |ÉÉ´ÉvÉÉxÉ” Eäò iɽþiÉ ¶ÉÉÊ¨É±É ÊEòªÉÉ VÉÉiÉÉ ½èþ* Liabilities and Provisions". 6. κlÉ®ú +ÉκiɪÉÉÄ +Éè®ú ¨ÉÚ±ªÉ¿ÉºÉ 6. Fixed Assets and Depreciation: (i) £òÒ½þÉä±b÷ ¦ÉÚ欃 +Éè®ú ±ÉÒVÉ ½þÉä±b÷ ¦ÉÚ欃 ºÉʽþiÉ {ÉÊ®úºÉ®úÉå EòÉä =xÉEòÒ (i) Premises including Freehold land and leasehold land are {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ ®úÉ榃 ¨Éå nù¶ÉÉǪÉÉ MɪÉÉ ½èþ +Éè®ú +xªÉ κlÉ®ú +ÉκiɪÉÉå EòÉä stated at their revalued amount and other Fixed Assets =xÉEòÒ {É®Æú{É®úÉMÉiÉ ±ÉÉMÉiÉ {É®ú nù¶ÉÉǪÉÉ VÉÉiÉÉ ½èþ* VÉ¤É Eò¦ÉÒ EòÊiÉ{ÉªÉ +ÉκiɪÉÉå are stated at their historical cost. Whenever certain Assets are revalued, the Bank adopts the guidelines issued by EòÉ {ÉÖxɨÉÚDZªÉÉÆEòxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ iÉÉä ¤ÉéEò <ºÉ ºÉƤÉÆvÉ ¨Éå ¦ÉÉÊ®ú¤Éé uùÉ®úÉ VÉÉ®úÒ RBI and compliances of Accounting Standards issued in Ênù¶ÉÉÊxÉnæù¶ÉÉå EòÉä +{ÉxÉÉiÉÉ ½èþ +Éè®ú ±ÉäJÉÉ ¨ÉÉxÉEòÉå EòÉ +xÉÖ{ÉɱÉxÉ Eò®úiÉÉ this regard. Any upward revision on such revaluation is ½èþ* BäºÉä {ÉÖxɨÉÚDZªÉÉÆEòxÉ ¨Éå ÊEòºÉÒ |ÉEòÉ®ú EòÒ ´ÉÞÊrù EòÉä {ÉÖxɨÉÚDZªÉÉÆEòxÉ Ê®úVÉ´ÉÇ credited to Revaluation Reserve. As per Revised AS-10 ¨Éå VɨÉÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* 1 +|Éè±É, 2017 ºÉä |ɦÉÉ´ÉÒ +É<ǺÉÒB+É<Ç uùÉ®úÉ "Property, Plant and Equipment" issued by ICAI, effective from 1st April 2017 additional depreciation charged on VÉÉ®úÒ ºÉƶÉÉäÊvÉiÉ BBºÉ-10 “ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ +Éè®ú ={ÉEò®úhÉ” Eäò +xÉÖºÉÉ®ú revalued assets is directly transferred from Revaluation {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ +ÉκiɪÉÉå {É®ú |ɦÉÉÊ®úiÉ +ÊiÉÊ®úHò ¨ÉÚ±ªÉ¿ÉºÉ EòÉä ºÉÒvÉä Reserve to Revenue & Other Reserves. {ÉÖxɨÉÚDZªÉÉÆEòxÉ Ê®úVÉ´ÉÇ ºÉä ®úÉVɺ´É +Éè®ú +xªÉ Ê®úVÉ´ÉÇ ¨Éå +ÆiÉÊ®úiÉ ÊEòªÉÉ VÉiÉÉ ½èþ*

(ii) ÊxɨÉÉÇhÉÉvÉÒxÉ {ÉÊ®úºÉ®úÉå EòÉä {ÉÞlÉEò ¶ÉÒ¹ÉÇ “ÊxɨÉÉÇhÉÉvÉÒxÉ {ÉÊ®úºÉ®”ú Eäò +ÆiÉMÉÇiÉ (ii) Premises under construction is shown under a separate heading "Premises under Construction". Advances to nù¶ÉÉǪÉÉ VÉÉiÉÉ ½èþ* `äöEäònùÉ®úÉå EòÉä ÊnùB MÉB +ÊOɨÉÉå EòÉä ‘+xªÉ +ÉκiɪÉÉ’Ä Eäò +ÆiÉMÉÇiÉ nù¶ÉÉǪÉÉ VÉÉiÉÉ ½èþ* contractors is shown under the head "Other Assets".

(iii) VɽþÉÆ ¦ÉÚ欃 EòÒ {ÉÞlÉEò ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ ´É½þÉÆ ¦ÉÚ欃 +Éè®ú ¦É´ÉxÉ EòÒ (iii) Depreciation is charged on composite cost of Land and ºÉÆÊ¨É¸É ±ÉÉMÉiÉ {É®ú ¨ÉÚ±ªÉ¿ÉºÉ |ɦÉÉÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Building, where separate cost of land is not available.

(iv) {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ +ÉκiɪÉÉå ºÉʽþiÉ ÎºlÉ®ú +ÉκiɪÉÉå {É®ú ¨ÉÚ±ªÉ¿ÉºÉ EòÉ (iv) Depreciation on Fixed Assets including revalued assets is |ÉÉ´ÉvÉÉxÉ PÉ]õiÉä ¶Éä¹É {ÉrùÊiÉ Eäò +ÉvÉÉ®ú {É®ú ÊxɨxÉʱÉÊJÉiÉ nù®úÉå {É®ú ÊEòªÉÉ provided as per the following rates on diminishing balance method as decided by the Management from the Financial VÉÉiÉÉ ½èþ VÉèºÉÉ ÊEò |ɤÉÆvÉxÉ uùÉ®úÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2014-15 +Éè®ú +ÉMÉä ½äþiÉÖ ÊxÉhÉÇªÉ Ê±ÉªÉÉ MɪÉÉ ½èþ* year 2014-15 and onwards.

173 Gò¨É ºÉÆJªÉÉ ¨ÉÚ±ªÉ¿ÉºÉ nù®ú [%] +ÉκiɪÉÉå EòÒ ¸ÉähÉÒ / CATEGORY OF ASSET Sr. No. DEPRECIATION RATE [%] 1 ¦É´ÉxÉ B´ÉÆ {ÉÊ®úºÉ®ú//Building and Premises 5.00 2 ºÉɨÉÉxªÉ ¡òxÉÔSÉ®ú ¨Énåù ªÉlÉÉ ¨ÉäVÉ, EÖòºÉÔ, +±É¨ÉÉ®úÒ, EäòʤÉxÉä], º]ÅõÉÆMÉ °ü¨É nù®ú´ÉÉVÉä <ÇiªÉÉÊnùõ (ºÉÖ®úÊIÉiÉ VɨÉÉ ±ÉÉEò®ú ºÉä

(v) Eò¨{ªÉÚ]õ®úÉå, b÷É]õÉ |ÉÉäºÉä˺ÉMÉ ¨É¶ÉÒxÉÉå BB±É{ÉÒB¨É {É®ú +´ÉIÉªÉ EòÉ |ÉÉ´ÉvÉÉxÉ, (v) On Computers, Data Processing Machines, ALPMs, ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ°ü{É ºÉÒvÉÒ ®äúJÉÉ {ÉrùÊiÉ depreciation is provided at the rate of 33.33% on Straight (BºÉB±ÉB¨É)+ÉvÉÉ®ú {É®ú EòÒ nù®ú ºÉä ÊEòªÉÉ VÉÉiÉÉ ½èþ ÊVɺɺÉä Line Method (SLM) so as to write down the asset value in 33.33% three years as per RBI guidelines. iÉÒxÉ ´É¹ÉÉæ ¨Éå +ÉκiÉ EòÉ ¨ÉÚ±ªÉ +´ÉʱÉÊJÉiÉ ÊEòªÉÉ VÉÉ ºÉEäò* (vi) ±ÉÒVɽþÉä±b÷ ¦ÉÚ欃 {É®ú |ÉÒÊ¨ÉªÉ¨É ({ÉÖxɨÉÚDZªÉÉÆÊEòiÉ ®úÉ榃 ºÉʽþiÉ) EòÉä ±ÉÒVÉ (vi) Premium on Leasehold Land (including revalued amount) EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉÒvÉÒ ®äúJÉÉ {ÉrùÊiÉ {É®ú {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ is amortized over the period of the lease on Straight Line ½èþ* Method. (vii) VɽþÉÆ ¨ÉÚ±É ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ ´É½þÉÆ ±ÉÒVɽþÉä±b÷ ¦ÉÚ欃 {É®ú |ÉÒÊ¨ÉªÉ¨É (vii)Premium on Leasehold Land is amortized over the period EòÉä ±ÉÒVÉ EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ±ÉÉMÉiÉ +lÉ´ÉÉ +´ÉʱÉÊJÉiÉ ¨ÉÚ±ªÉ {É®ú of the lease, based on cost or written down value, where {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* original cost is not available. ` (viii) `5000/- iÉEò Eäò {ÉÚÆVÉÒMÉiÉ ´ªÉªÉ ºÉÒvÉä “JÉSÉÇ JÉÉiÉÉ - ¨É®ú¨¨ÉiÉ B´ÉÆ (viii)The Capital Expenditure up to 5000/- is debited directly to "Charges Account - Repairs & Maintenance". ®úJÉ®úJÉÉ´É” ¨Éå xÉɨÉä ʱÉJÉä VÉÉiÉä ½éþ* (ix) ´É¹ÉÇ Eäò nùÉè®úÉxÉ GòªÉ EòÒ MÉ<Ç/¤ÉäSÉÒ MÉ<Ç/½þ]õÉ<Ç MÉ<Ç +ÉκiɪÉÉå {É®ú ªÉlÉÉxÉÖ{ÉÉiÉ (ix) Pro-rata depreciation is provided on the assets purchased +ÉvÉÉ®ú {É®ú +´ÉIÉªÉ EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* / sold / discarded during the year. (x) Ê´Énäù¶ÉÒ ¶ÉÉJÉÉ+Éå EòÒ ÎºlÉ®ú +ÉκiɪÉÉå {É®ú +´ÉIÉªÉ EòÒ MÉhÉxÉÉ =ºÉ näù¶É (x) Depreciation on Fixed Assets of Foreign branches is ¨Éå |ÉSÉʱÉiÉ EòÉxÉÚxÉ Eäò +xÉÖºÉÉ®ú EòÒ VÉÉiÉÒ ½èþ* provided as per the applicable laws prevalent in that country. 7. +¨ÉÚiÉÇ +ÉκiɪÉÉÄ (EÆò{ªÉÚ]õ®ú ºÉÉì}]õõ´ÉäªÉ®ú) 7. Intangible Assets (Computer Software): (i) Eò¨{ªÉÚÚ]õ®ú ½äþiÉÖ ºÉÉì}]õ´ÉäªÉ®ú, ÊVÉºÉ Ê´Éʶɹ]õ ºÉÉì}]õ´ÉäªÉ® Eäò ʤÉxÉÉ Eò¨{ªÉÚÚ]õ®úú {ÉÊ®úSÉÉʱÉiÉ (i) Software for a computer that cannot operate without that xɽþÓ ½þÉä ºÉEòiÉÉ, ºÉƤÉrù ½þÉbÇ÷´ÉäªÉ®ú EòÉ +ʦÉzÉ ¦ÉÉMÉ ½èþ, iÉlÉÉ +SÉ±É +ÉκiÉ specific software is an integral part of related hardware and is treated as fixed assets and is amortised along with ¨ÉÉxÉÉ VÉÉiÉÉ ½èþ* VɽþÉÄ ºÉÉì}]õ´ÉäªÉ® ½þÉbÇ÷´ÉäªÉ®ú EòÉ +ʦÉzÉ +ÆMÉ xɽþÓ ½èþ ´É½þÉÄ the computer hardware. Where the software is not an EÆò{ªÉÚ]õ®ú ºÉÉì}]õ´ÉäªÉ® EòÉä +¨ÉÚiÉÇ +ÉκiÉ ¨ÉÉxÉÉ VÉÉiÉÉ ½èþ* integral part of the related hardware, computer software is recognised as an Intangible Asset. (ii) ´Éåb÷®úÉå ºÉä |ÉÉ{iÉ EÆò{ªÉÚ]õ®ú ºÉÉì}]õ´ÉäªÉ® EòÉä iÉ¤É +¨ÉÚiÉÇ +ÉκiÉ ¨ÉÉxÉÉ VÉɪÉäMÉÉ (ii) Computer software acquired from vendors is recognised VÉ¤É ºÉÉì}]õ´ÉäªÉ® EòÉ ¨ÉÚ±ªÉ/±ÉÉMÉiÉ `10 ±ÉÉJÉ ºÉä +ÊvÉEò ½þÉäþ* <ºÉ as Intangible Asset only if the value /cost of the software is |ÉEòÉ®ú EòÒ +¨ÉÚiÉÇ +ÉκiɪÉÉÄ =xÉEòÒ ÊGòªÉɶÉÒ±É +´ÉÊvÉ Eäò nùÉè®úÉxÉ +ÊvÉEòiÉ¨É more than `10 Lakhs. Such intangible assets are amortised nùºÉ ´É¹ÉÇ EòÒ +´ÉÊvÉ iÉEò {ÉÊ®ú¶ÉÉäÊvÉiÉ EòÒ VÉÉiÉÒ ½èþ* over its effective life subject to a maximum period of ten years. 8. Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É 8. Employee Benefits:

(i) ¤ÉéEò xÉä Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É Eäò ºÉƤÉÆvÉ ¨Éå +{ÉxÉÒ näùªÉiÉÉ+Éå EòÒ ¨ÉÉxªÉiÉÉ ½äþiÉÖ (i) The Bank has applied Accounting Standard 15(Revised) - ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 15(ºÉƶÉÉäÊvÉiÉ)- Employees Benefits, issued by The Institute of Chartered Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É ±ÉÉMÉÚ ÊEòªÉÉ ½èþ* Accountants of India, for recognition of its liabilities in respect of employee benefits.

174 (ii) nùÒPÉÉÇ´ÉÊvÉ {ÉÊ®ú¦ÉÉʹÉiÉ Eò¨ÉÇSÉÉ®úÒ ±ÉɦÉÉå Eäò |ÉÊiÉ näùªÉiÉÉ EòÉ ÊxÉvÉÉÇ®úhÉ (ii) Liability towards long term defined employee benefits is ÊiɨÉɽþÒ +Éè®ú ´É¹ÉÇ Eäò +ÆiÉ ¨Éå º´ÉiÉÆjÉ ¤ÉÒ¨ÉÉÆEòEòÉå uùÉ®úÉ +ÊvÉ´É̹ÉiÉÉ determined based on actuarial valuation by independent ªÉÉäVÉxÉÉ+Éå Eäò ÊxÉÊvɪÉxÉ ºÉƤÉÆvÉ ¤ÉéEò EòÒ xÉÒÊiÉ ¨Éå ʱÉÊJÉiÉ Ê´ÉÊvɪÉÉå EòÉ actuaries at the quarter as well as in year-end by using various Actuarial Assumptions chosen following the {ÉɱÉxÉ Eò®úiÉä ½ÖþB ½èþ +Éè®ú xÉÒSÉä =α±ÉÊJÉiÉ xÉÒÊiɪÉÉå Eäò +xÉÖºÉÉ®ú {ÉÊ®úªÉÉäÊVÉiÉ modalities documented in the Bank's Policy on Funding

¤ÉÒ. {Éå¶ÉxÉ (B¤ÉÒ<Çú{ÉÒ+É®ú) b. Pension (ABEPR): <±ÉɽþɤÉÉnù ¤ÉéEò (Eò¨ÉÇSÉÉ®úÒ) {Éå¶ÉxÉ Ê´ÉÊxɪɨÉxÉ, 1995 (B¤ÉÒ<Çú{ÉÒ+É®ú) The Bank pays pension under Allahabad Bank (Employees) Eäò +ÆiÉMÉÇiÉ ¤ÉéEò =xÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä {Éå¶ÉxÉ EòÉ ¦ÉÖMÉiÉÉxÉ Eò®úiÉÉ ½èþ Pension Regulations, 1995(ABEPR-1995) to employees, ÊVÉx½þÉåxÉä <ºÉ Ê´ÉÊxɪɨÉxÉ Eäò +ÆiÉMÉÇiÉ {Éå¶ÉxÉ EòÉ Ê´ÉEò±{É ÊnùªÉÉ ½èþ +Éè®ú who exercised option under the Regulations and also to Employees joining the Bank's Service during the period =xÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ¦ÉÒ VÉÉä ¤ÉéEò ºÉä´ÉÉ ¨Éå 29/09/1995 ºÉä 31.03.2010 from 29.09.1995 to 31.03.2010. The plan provides for a EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ +ÉB ½éþ* <ºÉ ªÉÉäVÉxÉÉ ¨Éå ´ÉäiÉxÉ +Éè®ú +½ÇþEò ºÉä´ÉÉ pension / family pension on monthly basis in respect of Eäò +ÉvÉÉ®ú {É®ú, ºÉä´ÉÉ ÊxÉ´ÉÞÊkÉ/¨ÉÞiªÉÖ, VÉèºÉÉ ¦ÉÒ ¨ÉɨɱÉÉ ½þÉä, EòÒ ÎºlÉÊiÉ ¨Éå these employees on their retirement / death, as the case

ºÉÒ. +´ÉEòÉ¶É ÊEò®úɪÉÉ Ê®úªÉɪÉiÉ (B±ÉB¡òºÉÒ) c. Leave Fare Concession (LFC): ªÉ½þ ºÉÖÊ´ÉvÉÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä |ÉnùÉxÉ EòÒ VÉÉiÉÒ ½èþ +Éè®ú <ºÉ¨Éå =tÉäMÉ´ÉÉ®ú This facility is granted to the employees and extends to ºÉ¨ÉZÉÉèiÉÉå/+´ÉÉbÇ÷ Eäò +xÉÖºÉÉ® ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú ªÉlÉɺÉƶÉÉäÊvÉiÉ ºÉä´ÉÉ reimbursement of travelling expenses incurred for the family ÊxɪɨÉÉå Eäò +xÉÖºÉÉ®ú ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ ªÉlÉÉ{ÉÊ®ú¦ÉÉʹÉiÉ ºÉƤÉÆÊvÉiÉ members of the employee concerned, as defined under Eò¨ÉÇSÉÉ®úÒ Eäò {ÉÊ®ú´ÉÉ®ú Eäò ºÉnùºªÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ÊEòB MÉB ªÉÉjÉÉ ´ªÉªÉ EòÒ the Scheme, in terms of service rules as amended from time to time as per Industry wide Settlements / Awards. It |ÉÊiÉ{ÉÚÌiÉ ¶ÉÉÊ¨É±É ½éþ* ªÉ½þ MÉè®ú ÊxÉÊvÉEò ªÉÉäVÉxÉÉ ½èþ +Éè®ú ¤ÉéEò +{ÉxÉÒ is a non-funded scheme and the Bank maintains a provision ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ +´ÉEòÉ¶É ÊEò®úɪÉÉ Ê®úªÉɪÉiÉ näùªÉiÉÉ Eäò ºÉƤÉÆvÉ ¨Éå on account of its liability in respect of Leave Fare |ÉÉ´ÉvÉÉxÉ ¤ÉÒ¨ÉÉÆÊEòEò ¨ÉÚ±ªÉxÉ Eäò +ÉvÉÉ®ú {É®ú Eò®úiÉÉ ½èþ* ªÉ½þ ¨ÉÚ±ªÉxÉ Concession under the Scheme on the basis of actuarial |ÉiªÉäEò ÊiɨÉɽþÒ ¨Éå ÊEòºÉÒ +xÉÖ¨ÉÉäÊnùiÉ ¤ÉÒ¨ÉÉÆÊEòEò uùÉ®úÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* valuation, which is conducted by approved Actuary. Payment in respect of LFC facility is debited/charged to B±ÉB¡òºÉÒ ºÉä ºÉƤÉÆÊvÉiÉ ¦ÉÖMÉiÉÉxÉ ¤ÉéEò Eäò ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ºÉä ÊEòªÉÉ the Profit and Loss Account. VÉÉiÉÉ ½èþ* d. Leave Encashment: b÷Ò÷. +´ÉEòÉ¶É xÉEònùÒEò®úhÉ The Bank permits encashment of Privilege Leave balance ¤ÉéEò B±ÉB¡òºÉÒ ºÉÖÊ´ÉvÉÉ EòÉ ={ɪÉÉäMÉ Eò®úxÉä ´ÉɱÉä Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ºÉä´ÉÉ to its employees availing LFC facility, up to the maximum limit of 30 days leave in a block of four years of service. Eäò SÉÉ®ú ´É¹ÉÉç Eäò ¤±ÉÉEò ¨Éå +ÊvÉEòiÉ¨É 30 ÊnùxÉÉå Eäò ºÉÉÊvÉEòÉ®ú +´ÉEòÉ¶É Encashment of privilege leave standing to the credit of an ¶Éä¹É Eäò xÉEònùÒEò®úhÉ EòÒ +xÉÖ¨ÉÊiÉ |ÉnùÉxÉ Eò®úiÉÉ ½èþ* ºÉä´ÉÉÊxÉ´ÉÞÊkÉ +lÉ´ÉÉ employee is also permitted in case of retirement or death ¨ÉÞiªÉÖ ½þÉäxÉä {É®ú Eò¨ÉÇSÉÉ®úÒ Eäò JÉÉiÉä ¨Éå VɨÉÉ ºÉÉÊvÉEòÉ®ú +´ÉEòɶÉ, +ÊvÉEòiÉ¨É subject to a maximum of 240 days. In case of resignation

175 240 ÊnùxÉÉå Eäò xÉEònùÒEò®úhÉ EòÒ ¦ÉÒ +xÉÖ¨ÉÊiÉ nùÒ VÉÉiÉÒ ½èþ* Eò¨ÉÇSÉÉ®úÒ from the service by an employee, such encashment is uùÉ®úÉ ºÉä´ÉÉ ºÉä iªÉÉMÉ{ÉjÉ näùxÉä Eäò ¨ÉɨɱÉä ¨Éå xÉEònùÒEò®úhÉ EòÒ ®úÉ榃 ¶Éä¹É restricted to 50% of the balance of privilege leave subject ºÉÉÊvÉEòÉ®ú +´ÉEòÉ¶É Eäò +Éè®ú +ÊvÉEòiÉ¨É ÊnùxÉÉå iÉEò ºÉÒʨÉiÉ to a maximum of 120 days. It is a non-funded scheme and 50% 120 the Bank maintains a provision on account of its leave ½èþ* ªÉ½þ MÉè®ú ÊxÉÊvÉEò ªÉÉäVÉxÉÉ ½èþ* +Éè®ú ¤ÉéEò <ºÉ ªÉÉäVÉxÉÉ Eäò +ÆiÉMÉÇiÉ encashment liability under the Scheme on the basis of +´ÉEòÉ¶É xÉEònùÒEò®úhÉ näùªÉiÉÉ Eäò ºÉƤÉÆvÉ ¨Éå |ÉÉ´ÉvÉÉxÉ ¤ÉÒ¨ÉÉÆÊEòEò ¨ÉÚ±ªÉxÉ actuarial valuation, which is conducted by approved Eäò +ÉvÉÉ®ú {É®ú Eò®úiÉÉ ½èþ* ªÉ½þ ¨ÉÚ±ªÉxÉ ÊEòºÉÒ +xÉÖ¨ÉÉäÊnùiÉ ¤ÉÒ¨ÉÉÆÊEòEò Actuary. Payment of such leave encashment is debited/ uùÉ®úÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* BäºÉä +´ÉEòÉ¶É xÉEònùÒEò®úhÉ EòÉ ¦ÉÖMÉiÉÉxÉ ¤ÉéEò Eäò charged to the Profit and Loss Account. ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ºÉä ÊEòªÉÉ VÉÉiÉÉ ½èþ* (iii) In respect of Provident Fund, the contribution for the period is recognized as expense and charged to the Profit & Loss (iii) ¦ÉʴɹªÉ ÊxÉÊvÉ Eäò ºÉƤÉÆvÉ ¨Éå ÊEòºÉÒ +´ÉÊvÉ ½äþiÉÖ ÊxÉÊvÉ ¨Éå ÊEòªÉÉ MɪÉÉ account. +ƶÉnùÉxÉ ´ªÉªÉ Eäò °ü{É ¨Éå +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ +Éè®ú ±ÉÉ¦É +Éè®ú (iv) In terms of Industry wide Settlement/Joint Note dated ½þÉÊxÉ JÉÉiÉä ºÉä |ɦÉÉÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* 27.04.2010, employees joining the services of the Bank (iv) ÊnùxÉÉÆEò 27.04.2010 Eäò =tÉäMÉ-´ÉÉ®ú ºÉ¨ÉZÉÉèiÉÉ/ºÉƪÉÖCiÉ xÉÉä]õ Eäò +xÉÖºÉÉ®ú on or after 01.04.2010 are covered by defined contribution ÊnùxÉÉÆEò 01.04.2010 EòÉä +lÉ´ÉÉ ¤ÉÉnù ¨ÉäÆ ¤ÉèÆEò EòÒ ºÉä´ÉÉ ¨ÉäÆ +ÉB retirement benefit scheme. Eò¨ÉÇSÉÉ®úÒ {ÉÊ®ú¦ÉÉʹÉiÉ +ƶÉnùÉxÉ ºÉä´ÉÉÊxÉ´ÉÞÊkÉ ±ÉÉ¦É ªÉÉäVÉxÉÉ ¨Éå ¶ÉÉÊ¨É±É ½þèÆ* (v) Short-term employee benefits are recognized as an +±{ÉÉ´ÉÊvÉ Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É EòÉä =ºÉ ´É¹ÉÇ Eäò ±ÉÉ¦É ½þÉÊxÉ ±ÉäJÉÉ ¨Éå +¤É]Âõ]õÉEÞòiÉ expense at an undiscounted amount in the Profit and Loss (v) Account of the year in which the related services are ®úÉ榃 ¨Éå ´ªÉªÉ Eäò °ü{É ¨Éå +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ ÊVÉºÉ ´É¹ÉÇ ºÉƤÉÆÊvÉiÉ rendered. ºÉä´ÉÉBÆ |ÉnùÉxÉ EòÒ VÉÉiÉÒ ½èþ* 9. Recognition of Income and Expenditure: (i) Income and Expenditure are generally accounted for on 9. +ÉªÉ +Éè®ú ´ªÉªÉ EòÉ +ʦÉYÉÉxÉ accrual basis unless otherwise stated. (i) +ɪÉ-´ªÉªÉ EòÉ Ê½þºÉÉ¤É ºÉɨÉÉxªÉiÉ: ={ÉSÉªÉ +ÉvÉÉ®ú {É®ú ÊEòªÉÉ VÉÉiÉÉ ½èþ* (ii) Interest and Other Income in cases of Non Performing (ii) +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉå Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ +ÊOɨÉÉå {É®ú ¤ªÉÉVÉ iÉlÉÉ +xªÉ +ÉªÉ EòÉä ´ÉºÉÚ±ÉÒ EòÒ ¨ÉÉjÉÉ iÉEò +ʦÉÊxÉvÉÉÇÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Assets/Investments are recognized to the extent realized. (iii) Recoveries from Non-Performing Assets (NPAs), in case (iii) +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉå ºÉä ´ÉºÉÚ±ÉÒ Eäò ºÉƤÉÆvÉ ¨Éå ºÉÆÊnùMvÉ/½þÉÊxÉMÉiÉ +ÉκiɪÉÉå Eäò ¨ÉɨɱÉä ¨Éå {ɽþ±Éä ¨ÉÚ±ÉvÉxÉ +Éè®ú Ê¡ò®ú ¤ªÉÉVÉ EòÉä Ê´ÉÊxɪÉÉäÊVÉiÉ ÊEòªÉÉ of Doubtful/ Loss Assets is appropriated first against the Principal and then interest, whereas in case of Substandard VÉÉBMÉÉ VɤÉÊEò +´É¨ÉÉxÉEò +ÉκiɪÉÉå Eäò ¨ÉɨɱÉä ¨Éå {ɽþ±Éä ¤ªÉÉVÉ +Éè®ú Assets, such recovery is appropriated first against the Ê¡ò®ú ¨ÉÚ±ÉvÉxÉ EòÉä Ê´ÉÊxɪÉÉäÊVÉiÉ ÊEòªÉÉ VÉÉBMÉÉ* interest and then against the Principal.

(iv) +ÉªÉ Eò®ú EòÒ ´ÉÉ{ɺÉÒ {É®ú ¤ªÉÉVÉ ºÉä |ÉÉ{iÉ +ÉªÉ +Éè®ú ¤ªÉÉVÉ Eò®ú EòÒ (iv) Income from interest on refund of Income Tax and Interest MÉhÉxÉÉ ºÉƤÉÆÊvÉiÉ Eò®ú ÊxÉvÉÉÇ®úhÉ +ÊvÉEòÉ®úÒ uùÉ®úÉ +Énäù¶É VÉÉ®úÒ ÊEòB VÉÉxÉä Tax are accounted for in the year in which it is received/ ´ÉɱÉä ´É¹ÉÇ ¨Éå EòÒ VÉÉiÉÒ ½èþ* adjusted.

10. {É]Â]õÉ 10. Lease: ¤ÉéEò uùÉ®úÉ |ÉÉ{iÉ ÊEò®úÉB EòÉä ={ÉÊSÉiÉ +vÉÉ®ú {É®ú ±ÉɦÉ-½þÉÊxÉ ±ÉäJÉÉ ¨Éå Rentals received by the Bank are recognized in the Profit +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* and Loss Account on accrual basis. {ÉÊ®úSÉɱÉxÉ {É]Âõ]äõ {É®ú ±ÉÒ MÉ<Ç +ÉκiɪÉÉå ½äþiÉÖ {É]Âõ]äõ EòÉ ¦ÉÖMÉiÉÉxÉ ±ÉɦÉ- Lease payments for assets taken on operating lease are ½þÉÊxÉ ±ÉäJÉÉ ¨Éå ´ªÉªÉ Eäò °ü{É ¨Éå +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* recognized as an expense in the Profit and Loss Account. 11. |ÉÊiÉ ¶ÉäªÉ®ú +VÉÇxÉ 11. Earnings Per Share: ¤ÉéEò |ÉÊiÉ ¶ÉäªÉ® ¤ÉäʺÉEò +Éè®ú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ EòÒ EòÒ Ê®ú{ÉÉä]Çõ ¦ÉÉ®úiÉÒªÉ The Bank reports Basic and Diluted Earnings per Equity ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 20 “|ÉÊiÉ ¶ÉäªÉ®ú Share in accordance with Accounting Standard 20 "Earnings per Share" issued by The Institute of Chartered +VÉÇxÉ” Eäò +xÉÖºÉÉ®ú Eò®úiÉÉ ½èþ* Accountants of India. |ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò +VÉÇxÉ EòÒ MÉhÉxÉÉ ´É¹ÉÇ ½äþiÉÖ <ÎC´É]õÒ ¶ÉäªÉ®úvÉÉ®úEòÉå {É®ú 11.1 11.1 Basic earnings per Share are computed by dividing the +É®úÉä{ªÉ Eò®ú {ɶSÉÉiÉ ÊxÉ´É±É ±ÉÉ¦É EòÉä ´É¹ÉÇ ½äþiÉÖ ¤ÉEòɪÉÉ <ÎC´É]õÒ ¶ÉäªÉ®úÉå net profit after tax for the year attributable to equity EòÒ ¦ÉÉÊ®úiÉ +ÉèºÉiÉ ºÉÆJªÉÉ ºÉä ¦ÉÉMÉ näùEò®ú EòÒ VÉÉiÉÒ ½èþ* shareholders by the weighted average number of equity shares outstanding for the year. 11.2 |ÉÊiÉ ¶ÉäªÉ®ú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ ºÉƦÉÉÊ´ÉiÉ b÷É<±ªÉÚ¶ÉxÉ EòÉä |ÉÊiÉˤÉʤÉiÉ Eò®úiÉÉ ½èþ VÉÉä =ºÉ κlÉÊiÉ ¨Éå ½þÉä ºÉEòiÉÒ ½èþ ªÉÊnù <ÎC´É]õÒ ¶ÉäªÉ®ú VÉÉ®úÒ 11.2 Diluted Earnings per Share reflect the potential dilution Eò®úxÉä ½äþiÉÖ |ÉÊiɦÉÚÊiɪÉÉÆ +lÉ´ÉÉ +xªÉ ºÉÆÊ´ÉnùÉ+Éå EòÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ |ɪÉÉäMÉ that could occur if securities or other contracts to issue ÊEòªÉÉ VÉÉiÉÉ ½èþ +lÉ´ÉÉ ºÉÆ{ÉÊ®ú´ÉÌiÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* |ÉÊiÉ ¶ÉäªÉ®ú ¨ÉÚ±É equity shares were exercised or converted during the year. b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ EòÒ MÉhÉxÉÉ <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÒ ¦ÉÉÊ®úiÉ +ÉèºÉiÉ Diluted Earnings per Share are computed using the weighted average number of equity shares and diluted ºÉÆJªÉÉ +Éè®ú ´É¹ÉÇ Eäò +ÆiÉ ¨Éå ¤ÉEòɪÉÉ b÷É<±ªÉÚ]äõb÷ <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÉ potential equity shares outstanding at year end. |ɪÉÉäMÉ Eò®ú EòÒ VÉÉiÉÒ ½èþ*

176 12. Eò®úÉvÉÉxÉ 12. Taxation : (i) Eò®ú ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ SÉɱÉÚ (xªÉÚxÉiÉ¨É ´ÉèEòα{ÉEò Eò®ú (¨Éè])õ ºÉʽþiÉ) +Éè®ú (i) Provision is made for both current tax (including Minimum +ɺlÉÊMÉiÉ nùÉäxÉÉäÆ Eò®úÉå ½äþiÉÖ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Eò®ú ªÉÉäMªÉ +ÉªÉ {É®ú SÉɱÉÚ Alternative Tax - MAT) and deferred tax. Current tax is Eò®ú EòÉ |ÉÉ´ÉvÉÉxÉ, |ɪÉÉäVªÉ Eò®ú nù®ú +Éè®ú Eò®ú ÊxɪɨÉÉå EòÉ |ɪÉÉäMÉ Eò®úEäò provided on the taxable income using applicable tax rates and tax laws. In compliance with Accounting Standard 22 ÊEòªÉÉ VÉÉiÉÉ ½èþ* ±ÉäJÉÉ ¨ÉÉxÉEò 22 Eäò +xÉÖ{ÉɱÉxÉ ¨ÉäÆ : ¦ÉÉ®úiÉ Eäò ºÉxÉnùÒ "Accounting for Taxes on Income" issued by The Institute ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ “+ÉªÉ {É®ú Eò®úÉäÆ ½þäiÉÖ ±ÉäJÉÉ”, ºÉ¨ÉªÉ of Chartered Accountants of India, Deferred Tax Assets and +ÆiÉ®úÉ±É Eäò EòÉ®úhÉ =i{ÉzÉ +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÄ +Éè®ú näùªÉiÉÉBÆ, VÉÉä Liabilities arising on account of timing differences and which {É®ú´ÉiÉÔ +´ÉÊvÉ ¨Éå |ÉiªÉÉ´ÉiÉÇxÉ Eäò ªÉÉäMªÉ ½éþ, iÉÖ±ÉxÉ {ÉjÉ EòÒ ÊiÉÊlÉ iÉEò are capable of reversal in subsequent periods are ¤ÉxÉÉB MÉB ªÉÉ ¤ÉÉnù ¨Éå ¤ÉxÉ VÉÉxÉä ´ÉɱÉä Eò®ú ÊxɪɨÉÉå +Éè®ú Eò®ú nù®úÉå EòÉ recognised using the tax rates and the tax laws that have |ɪÉÉäMÉ Eò®úEäò +ʦÉYÉÉiÉ EòÒ VÉÉiÉÒ ½éþ* been enacted or substantively enacted till the date of the Balance Sheet. (ii) xªÉÚxÉiÉ¨É ´ÉèEòα{ÉEò Eò®ú (¨Éè]õ) VɨÉÉ EòÉä +ÉκiÉ Eäò °ü{É ¨Éå iɦÉÒ ¨ÉÉxÉÉ (ii) Minimum Alternative Tax (MAT) credit is recognised as an VÉÉBMÉÉ VÉ¤É BäºÉÉ {ÉÖ¹]õ |ɨÉÉhÉ ½þÉä ÊEò ¤ÉéEò +ɪÉ-Eò®ú +ÊvÉÊxÉªÉ¨É 1961 asset only when and to the extent there is convincing Eäò iɽþiÉ ÊxÉÌnù¹]õ +´ÉÊvÉ Eäò +Ænù®ú ºÉɨÉÉxªÉ Eò®ú EòÉ ¦ÉÖMÉiÉÉxÉ Eò®ú näùMÉÒ* evidence that the Bank will pay normal income tax during the period specified under the Income Tax Act, 1961. xÉEònùÒ B´ÉÆ xÉEònùÒ ºÉ¨ÉiÉÖ±ªÉ 13. 13. Cash and Cash equivalents: xÉEònùÒ B´ÉÆ xÉEònùÒ ºÉ¨ÉiÉÖ±ªÉ ¨Éå ½þÉlÉ ¨Éå xÉEònùÒ +Éè®ú B]õÒB¨É ¨Éå xÉEònùÒ, Cash and cash equivalents include cash on hand and in ATMs ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É, +xªÉ ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É and balances with RBI, balances with other banks and money ºÉÚSÉxÉÉ {É®ú vÉxÉ ¶ÉÉÊ¨É±É ½èþ* at call and short notice. 14. Impairment of Assets: 14. +ÉκiɪÉÉå EòÉ <¨{ÉäªÉ®ú¨Éå]õ +SÉ±É +ÉκiɪÉÉå ({ÉÖxɨÉÚDZªÉÉÆÊEòiÉ +ÉκiɪÉÉå ºÉʽþiÉ) {É®ú ‘<¨{ÉäªÉ®ú¨Éå]õ Impairment losses, if any, on Fixed Assets (including revalued ±ÉÉìºÉäºÉ (ªÉÊnù EòÉä<Ç ½þÉä) EòÉä +ʦÉYÉÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ iÉlÉÉ ¦ÉÉ®úiÉÒªÉ assets) are recognized and charged to the Profit & Loss ’ Account in accordance with the Accounting Standard 28 ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 28 ‘+ÉκiɪÉÉå EòÉ "Impairment of Assets" issued by The Institute of Chartered <¨{ÉäªÉ®ú¨Éå]õ’ Eäò +xÉÖºÉÉ®ú ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ¨Éå |ɦÉÉÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Accountants of India. 15. |ÉÉ´ÉvÉÉxÉ, +ÉEòκ¨ÉEò näùªÉiÉÉBÄ iÉlÉÉ ú +ÉEòκ¨ÉEò +ÉκiɪÉÉÄ 15. Provisions, Contingent Liabilities & Contingent Assets: (i) ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 29 (i) In conformity with AS 29 "Provisions, Contingent Liabilities ‘|ÉÉ´ÉvÉÉxÉ, +ÉEòκ¨ÉEò näùªÉiÉÉBÄ B´ÉÆ +ÉEòκ¨ÉEò +ÉκiɪÉÉÆ’ Eäò +xÉÖ°ü{É and Contingent Assets", issued by The Institute of ¤ÉéEò |ÉÉ´ÉvÉÉxÉ iɦÉÒ +ʦÉYÉÉiÉ Eò®úiÉÉ ½èþ VÉ¤É Chartered Accountants of India, the Bank recognizes B) ÊEòºÉÒ Ê{ÉUô±ÉÒ PÉ]õxÉÉ Eäò {ÉÊ®úhÉɨɺ´É°ü{É ´ÉiÉǨÉÉxÉ ¨Éå nùÉʪÉi´É provisions only when =i{ÉzÉ ½þÉäiÉÉ ½èþ a. it has a present obligation as a result of a past event; ¤ÉÒ) ªÉ½þ ºÉÆ¦É´É ½Éä ÊEò +ÉÌlÉEò ±ÉÉ¦É ´ÉɱÉä ºÉƺÉÉvÉxÉÉå EòÉ ¤Éʽþ|ÉÇ´Éɽþ b. it is probable that an outflow of resources embodying nùÉʪÉi´É Eäò ºÉ¨ÉÉvÉÉxÉ ½äþiÉÖ +{ÉäÊIÉiÉ ½þÉäMÉÉ +Éè®ú economic benefits will be required to settle the obligation; and ºÉÒ) VÉ¤É nùÉʪÉi´É EòÒ ®úÉ榃 EòÉ Ê´É·ÉºÉxÉÒªÉ +xÉÖ¨ÉÉxÉ ÊEòªÉÉ VÉÉ ºÉEòiÉÉ c. when a reliable estimate of the amount of the ½þÉäþ* obligation can be made. (ii) ÊxɨxÉʱÉÊJÉiÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ; (ii) No provision is recognized for; B) Ê{ÉUô±ÉÒ PÉ]õxÉÉ+Éå ºÉä =i{ÉzÉ EòÉä<Ç ºÉƦÉÉÊ´ÉiÉ nùÉʪÉi´É +Éè®ú ÊVɺÉEòÉ a) Any possible obligation that arises from past events and +κiÉi´Éõ =ºÉ PÉ]õxÉÉ Eäò ½þÉäxÉä +lÉ´ÉÉ xÉ ½þÉäxÉä {É®ú ½þÒ ÊxɦÉÇ®ú Eò®äúMÉÉ the existence of which will be confirmed only by the +lÉ´ÉÉ ¦ÉʴɹªÉ EòÒ BäºÉÒ +ÊxÉζSÉiÉ PÉ]õxÉÉBÆ VÉÉä {ÉÚhÉÇiɪÉÉþ ú ¤ÉéEò Eäò occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Bank; or ÊxɪÉÆjÉhÉ ¨Éå xɽþÓ ½èþ* +lÉ´ÉÉ, ¤ÉÒ) EòÉä<Ç ´ÉiÉǨÉÉxÉ nùÉʪÉi´É VÉÉä Ê{ÉUô±ÉÒ PÉ]õxÉÉ+Éå ºÉä =i{ÉzÉ ½Öþ+É ½èþ =ºÉä b) Any present obligation that arises from past events but is +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ MɪÉÉ CªÉÉåÊEò : not recognized because; i) ªÉ½þ ºÉƦÉÉ´ªÉ xɽþÓ ½éþ ÊEò +ÉÌlÉEò ±ÉÉ¦É ´ÉɱÉä ºÉƺÉÉvÉxÉÉå EòÉ ¤Éʽþ|ÉÇ´Éɽþ i) it is not probable that an outflow of resources embodying nùÉʪÉi´É Eäò ºÉ¨ÉÉvÉÉxÉ ½äþiÉÖ +{ÉäÊIÉiÉ ½þÉäMÉÉ +lÉ´ÉÉ economic benefits will be required to settle the obligation; ii) nùÉʪÉi´É EòÒ ®úÉ榃 EòÉ Ê´É·ÉºÉxÉÒªÉ +xÉÖ¨ÉÉxÉ xɽþÓ ÊEòªÉÉ VÉÉ ºÉEòiÉÉ or ½èþþ* ii) a reliable estimate of the amount of obligation cannot be +ÉEòκ¨ÉEò näùªÉiÉÉ+Éå EòÉ ÊxɪÉʨÉiÉ +ÆiÉ®úÉ±É {É®ú ÊxÉvÉÉÇ®úhÉ ÊEòªÉÉ VÉÉiÉÉ made. iii) iii) Contingent Liabilities are assessed at regular intervals and ½èþ +Éè®ú nùÉʪÉi´É Eäò Eäò´É±É =ºÉÒ ¦ÉÉMÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ only that part of the obligation for which an outflow of ÊVɺÉEäò ʱÉB +ÉÌlÉEò ±ÉÉ¦É ´ÉɱÉä ºÉƺÉÉvÉxÉÉå EòÉ ¤Éʽþ|ÉÇ´Éɽþ ºÉÆ¦É´É ½þÉä, resources embodying economic benefits is probable, is =xÉ +iªÉÆiÉ +ºÉÉvÉÉ®úhÉ {ÉÊ®úκlÉÊiɪÉÉå EòÉä UôÉäc÷Eò®ú VɽþÉÆ nùÉʪÉi´É EòÒ provided for, except in the extremely rare circumstances ®úÉ榃 EòÉ Ê´É·ÉºÉxÉÒªÉ +xÉÖ¨ÉÉxÉ xɽþÒÆú ÊEòªÉÉ VÉÉ ºÉEòiÉÉ ½þÉäþ* where no reliable estimate can be made. iv) Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå +ÉEòκ¨ÉEò +ÉκiɪÉÉå EòÉä +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ iv) Contingent Assets are not recognized in the financial VÉÉiÉÉ ½è CªÉÉåÊEò <ºÉEäò {ÉÊ®úhÉɨɺ´É°ü{É BäºÉÒ +ÉªÉ EòÉ +ʦÉYÉÉxÉ ½þÉä statements as this may result in the recognition of income ºÉEòiÉÉ ½èþþ VÉÉä Eò¦ÉÒ ¦ÉÒ ´ÉºÉÚ±ÉÒ xɽþÓ VÉÉ ºÉEòiÉÒ* that may never be realized.

177 +xÉÖºÉÚSÉÒ - 18 ±ÉäJÉÉ Ê]õ{{ÉÊhɪÉÉÄ SCHEDULE - 18 NOTES ON ACCOUNTS

1. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ°ü{É ={ɪÉÉäVªÉ iÉlÉÉ 1. Adequate provision has been made by the Bank in respect +xÉÖ{ɪÉÉäVªÉ +ÊOɨÉÉå ½äþiÉÖ {ɪÉÉÇ{iÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ MɪÉÉ ½èþ* of performing and non-performing advances in terms of Reserve Bank of India (RBI) guidelines. 2.1 ®úɹ]ÅõÒªÉ +Éè®ú ºlÉÉxÉÒªÉ ºÉ¨ÉɶÉÉävÉxÉ JÉÉiÉä, (BxÉBºÉÒBSÉ ºÉʽþiÉ) xÉÉäº]ÅõÉä 2.1. The reconciliation of various inter-branches, inter-bank JÉÉiÉä, ´ÉÉäº]ÅõÉä JÉÉiÉä, ¶ÉÉJÉÉ |ÉhÉɱÉÒ =SÉÆiÉ JÉÉiÉÉ ºÉʽþiÉ Ê´ÉʦÉzÉ +ÆiÉ®ú accounts, National and Local Clearing accounts (including ¶ÉÉJÉÉ, +ÆiÉ®ú ¤ÉéEò JÉÉiÉä +Éè®ú B]õÒB¨É ±ÉäxÉnäùxÉ BEò ºÉiÉiÉ |ÉÊGòªÉÉ ½èþ NACH), Nostro accounts, Vostro accounts, Branch System +Éè®ú |ÉÊGòªÉÉvÉÒxÉ ½èþ* 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ Eäò Ê´ÉkÉÒªÉ Suspense account and ATM transactions is an ongoing process and is under progress. The impact of the above, {ÉÊ®úhÉɨÉÉå {É®ú ={ɪÉÖÇHò EòÉ |ɦÉÉ´É, ªÉÊnù EòÉä<Ç ½èþ, |ɤÉÆvÉxÉ EòÒ ®úÉªÉ ¨Éå if any, on the financial results for the year ended 31st ¨É½þi´É{ÉÚhÉÇ xɽþÓ ½þÉäMÉÉ* March, 2018, in the opinion of the management will not be significant. 2.2 (i) 31.03.1997, 31.03.2005 iÉlÉÉ 31.03.2007 +Éè®ú 2.2 (i) Certain premises were revalued on the basis of the 31.03.2016 EòÉä ºÉ¨ÉÉ{iÉ ½ÖþB ´É¹ÉÇ ¨Éå EòÊiÉ{ÉªÉ {ÉÊ®úºÉ®úÉå EòÉ reports of the approved valuers during the year ended {ÉÖxɨÉÚDZªÉÉÆEòxÉ +xÉÖ¨ÉÉäÊnùiÉ ¨ÉÚ±ªÉÉÆEòEòÉå EòÒ Ê®ú{ÉÉä]Çõ Eäò +ÉvÉÉ®ú {É®ú on 31.03.1997, 31.03.2005, 31.03.2007 and ÊEòªÉÉ MɪÉÉ +Éè®ú Gò¨É¶É: `125.99 Eò®úÉäc÷ (´ÉÉÊhÉÎVªÉEò B´ÉÆ 31.03.2016 upward revision amounting to `125.99 ` +É´ÉɺÉÒªÉ), `370.08 Eò®úÉäc÷ (´ÉÉÊhÉÎVªÉEò B´ÉÆ +É´ÉɺÉÒªÉ) iÉlÉÉ Crore (commercial and residential), 370.08 Crore (commercial and residential), `298.32 Crore `298.32 Eò®úÉäc÷ (´ÉÉÊhÉÎVªÉEò) +Éè®ú `1802.10 Eò®úÉäc (+É´ÉɺÉÒªÉ (commercial) and `1802.40 crore (Residential and +Éè®ú ´ÉÉÊhÉÎVªÉEò) Eäò =v´ÉÇMÉɨÉÒ ºÉƶÉÉävÉxÉ EòÉä {ÉÖxɨÉÚDZªÉxÉ +É®úÊIÉiÉ commercial) respectively had been credited to EòÉä¹É ¨Éå VɨÉÉ ÊEòªÉÉ MɪÉÉ* |ÉiªÉäEò ´É¹ÉÇ {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ {ÉÊ®úºÉ®ú {É®ú Revaluation Reserve. Depreciation on Revalued ¨ÉÚ±ªÉ¿ÉºÉ EòÉ {ÉÊ®úEò±ÉxÉ +´ÉʱÉÊJÉiÉ ¨ÉÚ±ªÉ {É®ú ÊEòªÉÉ VÉÉiÉÉ ½èþ* premises is worked out each year on its written down ` {ÉÖxɨÉÚDZªÉÉÆEòxÉ Eäò EòÉ®úhÉ ` Eò®úÉäc÷ Ê´ÉMÉiÉ ´É¹ÉÇ ¨Éå `47.56 value. Additional depreciation of 43.54 Crore [previous 43.54 [ year `47.56 Crore shown in Miscellaneous Income Eò®úÉäc÷ +xÉÖºÉÚSÉÒ ºÉÆ.14 ¨Énù (vi) ¨Éå ¶ÉÉÊ¨É±É “+xªÉ +ɪɔ ¶ÉÒ¹ÉÇ Eäò under the head "Other Income" included in Schedule +ÆiÉMÉÇiÉ Ê´ÉÊ´ÉvÉ +ÉªÉ ¨Éå nù¶ÉÉǪÉÉ MɪÉÉ ½è] EòÉä ºÉÒvÉä {ÉÖxɨÉÚDZªÉxÉ No.14 item (vi)] on account of revaluation has been +®ÊIÉiÉ JÉÉiÉä ºÉä +ÆiÉÊ®iÉ ÊEòªÉÉ MɪÉÉ ½è +Éè® ®ÉVɺ´É iÉlÉÉ “+xªÉ directly transferred from the Revaluation Reserve +®ÊIÉiÉ ÊxÉÊvɪÉÉÆ +xÉÖºÉÚSÉÒ ºÉÆ ¨Én ( ) ¨Éå n¶ÉÉǪÉÉ MɪÉÉ ½è* Account and shown in "Revenue & Other Reserves" ” [ .2 iv ] ` +iÉ: ` Eò®úÉäc÷ EòÒ MÉhÉxÉÉ SÉɱÉÚ ´É¹ÉÇ Eäò ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ¨Éå [Schedule No.2 item (iv)]. Hence, 43.54 Crore is not 43.54 reckoned in the Profit and Loss Account of Current xɽþÓ EòÒ MÉ<Ç ½èþ* BäºÉÉ ±ÉäJÉÉxÉÒÊiÉ ¨Éå {ÉÊ®ú´ÉiÉÇxÉ ºÉƶÉÉäÊvÉiÉ BºÉ10 Year. This is done pursuant to change in Accounting 'ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ +Éè®ú ={ÉEò®úhÉ' Eäò +xÉֺɮúhÉ ¨Éå ÊEòªÉÉ MɪÉÉ ½èþ* Policy, Revised AS 10 'Property, Plant and Equipment'. (ii) VɽþÉÄ ¦ÉÚJÉÆb÷ EòÒ +±ÉMÉ ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ, BäºÉä ¨ÉɨɱÉÉå ¨Éå (ii) Depreciation is charged on composite cost of Land +´ÉIÉªÉ EòÉä ¦ÉÚJÉÆb÷ iÉlÉÉ ¦É´ÉxÉ EòÒ ºÉÆÊ¨É¸É ±ÉÉMÉiÉ {É®ú |ɦÉÉÊ®úiÉ and Building, where separate cost of land is not ÊEòªÉÉ MɪÉÉ ½èþ* available. (iii)VɽþÉÄ ¨ÉÚ±É ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½è,þ ´É½þÉÄ {É]Âõ]õÉ +´ÉÊvÉ ½äþiÉÖ {É]Âõ]õÉvÉÉÊ®úiÉ (iii)Premium on leasehold land is amortized over the ¦ÉÚ欃 {É®ú |ÉÒÊ¨ÉªÉ¨É EòÉ {ÉÊ®ú¶ÉÉävÉxÉ ±ÉÉMÉiÉ +ÉvÉÉ®ú {É®ú +lÉ´ÉÉ +´ÉʱÉÊJÉiÉ period of lease, based on cost or written down value, ¨ÉÚ±ªÉ {É®ú ÊEòªÉÉ MɪÉÉ ½èþ* where original cost is not available. (iv)Registration formalities are yet to be completed for (iv)ÊxɨxÉʱÉÊJÉiÉ ºÉÆ{ÉÊkɪÉÉå Eäò {ÉÆVÉÒEò®úhÉ EòÒ +Éè{ÉSÉÉÊ®úEòiÉÉBÄ {ÉÚ®úÒ EòÒ VÉÉxÉÒ ½éþ* the following properties: a. Two (2) residential properties purchased during the Eò. 1990 +Éè®ú 1998 Eäò nùÉè®úÉxÉ EòÉä±ÉEòÉiÉÉ B´ÉÆ ¦ÉÖ´ÉxÉä·É®ú ¨Éå Gò¨É¶É: year 1990 & 1998 at Kolkata & Bhubaneshwar 29 +Éè®ú 10 }±Éè]õ ´ÉɱÉÒ nùÉä (2) +É´ÉɺÉÒªÉ ºÉÆ{ÉÊkɪÉÉÆ consisting of 29 & 10 flats respectively with total JÉ®úÒnùÒ MÉ<È ÊVÉxÉEòÒ ¨ÉÚ±É ±ÉÉMÉiÉ `0.86 Eò®úÉäc÷ ½èþ* original cost of `0.86 Crore. JÉ. ½èþnù®úɤÉÉnù ¨Éå 1.61 Eò®úÉäc÷ EòÒ ±ÉÉMÉiÉ EòÒ ºÉÆ{ÉÊkÉ, VɽþÉÆ ªÉÚB±ÉºÉÒ b. Property at Hyderabad costing `1.61 crore, where |ÉÉÊvÉEò®hÉ ºÉä º´ÉÒEÞòÊiÉ ±ÉÆʤÉiÉ ½èþ +Éè®ú SÉäzÉè ¨Éå 2.32 Eò®úÉäc EòÒ Clearance is pending before ULC authority and at Chennai costing `2.32 crore, where interim stay has ºÉÆ{ÉÊkÉ VɽþÉÆ b÷Ò+ÉËBú]õÒ uùÉ®úÉ +ÆiÉÊ®ú¨É º]äõ |ÉnùÉxÉ ÊEòªÉÉ MɪÉÉ* been granted by DRAT. MÉ. {ÉÉ®úÉnùÒ{É, +Éäb÷Ò¶ÉÉ ¨Éå 02.04.2013 ºÉä 24 +É´ÉɺÉÒªÉ }±Éè]õ c. Renewal of lease of residential plots of land measuring ´ÉɱÉä 17520 ´ÉMÉÇ¡Öò]õõ IÉäjÉ Eäò +É´ÉɺÉÒªÉ {±ÉÉ]õ Eäò {É]Âõ]äõ EòÉ 17520 sq.ft area at Paradeep, Odisha having 24 residential flats w.e.f. 02.04.2013 has been taken up xÉ´ÉÒEò®úhÉ EòÉ ¨ÉɨɱÉÉ {ÉÉ®úÉnùÒ{É {ÉÉä]Çõ ]Åõº]õ ({ÉÒ{ÉÒ]õÒ)Eäò ºÉÉlÉ =`ööɪÉÉ with Paradeep Port Trust (PPT) and is under their MɪÉÉ ½èþ +Éè®ú ªÉ½þ =xÉEäò Ê´ÉSÉÉ®úÉvÉÒxÉ ½èþ* consideration. (v) Other Assets include intangible Assets, details of which (v) +¨ÉÚiÉÇ +ÉκiɪÉÉå ºÉʽþiÉ +xªÉ +ÉκiɪÉÉå EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ® are as under; ½èþ; (` Eò®úÉäc÷ ¨Éå) /(` in crore)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹É Ç / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17 +lÉ ¶Éä¹É / Opening Balance 49.22 55.82 ´É¹ÉÇ Eäò nùÉè®úÉxÉ VÉÉäc÷ / Additions during the year 0.01 5.13 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú¶ÉÉäÊvÉiÉ / Amortized during the year 9.78 11.73 <ÊiÉ ¶Éä¹É / Closing Balance 39.45 49.22 178 2.3. (i) `0.44 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `0.44 Eò®úÉäc÷) Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò 2.3. (i) In respect of Investments of face value of ` 0.44 Crore ÊxÉ´Éä¶ÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ¤ÉéEò EòÉä +¦ÉÒ ÎºGò{ºÉ/ºÉÌ]õÊ¡òEäò]õ |ÉÉ{iÉ (Previous year `0.44 Crore), the Bank is yet to receive Eò®úxÉä ½éþ* scrips/certificates. (ii) ¶ÉäªÉ®úÉå, {ÉÊ®ú´ÉiÉÇxÉÒªÉ Êb÷¤ÉåSÉ®úÉå iÉlÉÉ <ÎC´É]õÒ ºÉä VÉÖcä÷ ¨ªÉÖSÉÖ+±É (ii) Total Investments made in shares, convertible ¡Æòb÷/´ÉåSÉ®ú EèòÊ{É]õ±É ¡Æòb÷ EòÒ ªÉÚÊxÉ]õÉå ºÉʽþiÉ ¶ÉäªÉ®úÉå Eäò ºÉÉ{ÉäIÉ debentures and units of equity linked mutual funds/ venture capital funds and also advances against +ÊOÉ¨É ¨Éå EÖò±É ÊxÉ´Éä¶É `2298.42 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `1313.58 Eò®úÉäc÷) ®ú½þÉ* shares aggregate to `2298.42 Crore (Previous year `1313.58 Crore). (iii) ´É¹ÉÇ Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä {ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ ¸ÉähÉÒ Eäò +ÆiÉMÉÇiÉ EòÊiÉ{ÉªÉ |ÉÊiɦÉÚÊiɪÉÉÆ ¤ÉäSÉÒ +Éè®ú `22.66 Eò®úÉäc÷(Ê´ÉMÉiÉ ´É¹ÉÇ (iii) During the year, the Bank sold certain securities under Held to Maturity category and earned profit of `223.30 Eò®úÉäc) EòÉ ±ÉÉ¦É +ÌVÉiÉ ÊEòªÉÉ* ´É¹ÉÇ Eäò nùÉè®úÉxÉ `22.66 Crore (Previous Year `223.30 Crore). Due to ÊxÉ´É±É ½þÉÊxÉ Eäò EòÉ®úhÉ {ÉÚÆVÉÒ +É®úÊIÉiÉ JÉÉiÉÉ-ÊxÉ´Éä¶É ¨Éå EòÉä<Ç net loss during the year, no appropriation has been Ê´ÉÊxɪÉÉäVÉxÉ xɽþÓ ÊEòªÉÉ MɪÉÉ (Ê´ÉMÉiÉ ´É¹ÉÇ ¶ÉÚxªÉ÷) made to 'Capital Reserve Account-Investment'. (iv) VÉèºÉÉ ÊEò ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiÉ ºÉÆJªÉÉ 4 (iv) (B) ¨Éå =α±ÉÊJÉiÉ (iv) In respect of 'Held to Maturity' category as stated in ½èþ, ‘½äþ±b÷ ]Úõ ¨ÉèSªÉÚÊ®ú]õÒ’ ¸ÉähÉÒ Eäò ¨ÉɨɱÉä ¨Éå ´É¹ÉÇ Eäò nùÉè®úÉxÉ significant Accounting Policy No. 4(iv)(a), the excess {ÉÊ®ú¶ÉÉäÊvÉiÉ |ÉÊiɦÉÚÊiÉ Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò >ð{É®ú `98.64 Eò®úÉäc÷ of acquisition cost over the face value of the security (Ê´ÉMÉiÉ ´É¹ÉÇ `56.51Eò®úÉäc÷) EòÒ +ÊiÉÊ®úHò +VÉÇxÉ ±ÉÉMÉiÉ ½èþ iÉlÉÉ amortized during the year amounting to `98.64 Crore ÊVɺÉä ÊxÉ´Éä¶É {É®ú +ÉªÉ ºÉä PÉ]õÉEò®ú ¦ÉÉ.Ê®.ú¤ÉéEò Eäò ÊxÉnæù¶ÉÉxÉÖºÉÉ®ú (Previous year `56.51 Crore) has been netted-off from Income on Investment shown under the head ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä Eä ‘+ÌVÉiÉ ¤ªÉÉVÉ’ ¶ÉÒ¹ÉÇ Eäò +ÆiÉMÉÇiÉ ¨Éå nù¶ÉÉǪÉÉ "Interest Earned" of Profit and Loss Account in terms MɪÉÉ ½èþ* of the RBI guidelines. (v) ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò {ÉÊ®{ÉjÉ bÒ¤ÉÒ+É® ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.102/ ÊnùxÉÉÆEò 2 +|Éè±ÉÇ, 2018 ¤ÉéEò EòÉä ªÉ½þ (v) RBI circular DBR.No.BP.BC.102/21.04.048/2017-18 21.04.048/2017-18 dated April 2, 2018 grants the Banks an option to Ê´ÉEò±{É |ÉnÉxÉ Eò®iÉÉ ½è ÊEò ´É½ 31 ÊnºÉ¨¤É®, 2017 +Éè® 31 spread provisioning for mark to market losses on ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉʽªÉÉå ½äiÉÖ ÊxÉ´Éä¶ÉÉå {É® ¤ÉÉVÉÉ® ½ÉÊxÉ investments for the quarters ended December 31, +ÆEòxÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉÉå EòÉ Ê´ÉºiÉÉ® ½ÉÊxÉ ´ÉɱÉÒ ÊiɨÉÉ½Ò Eäò 2017 and March 31,2018 equally over the four +É®Æ¦É ºÉä SÉÉ® ÊiɨÉÉʽªÉÉå ½äiÉÖ ºÉ¨ÉÉxÉ °ü{É ºÉä Eò®ä* iÉnxÉÖºÉÉ® quarters commencing with quarter in which the loss ¤ÉéEòxÉä Ê´ÉEò±{É EòÉ |ɪÉÉäMÉ ÊEòªÉÉ ½è +Éè® ½ÉÊxÉ ´ÉɱÉÒ ÊiɨÉÉ½Ò ¨Éå is incurred. Accordingly, the Bank has excercised the option and recognized the Mark to Market loss (MTM ÊxÉ´Éä¶É {É® ¤ÉÉVÉÉ® ½ÉÊxÉ +ÆEòxÉ(B¨É]ÒB¨É ½ÉÊxÉ) EòÒ {ɽSÉÉxÉ EòÒ Loss) on investment in the quarter of incurrence. The ½è* ÊnºÉ¨¤É®, 2017 EòÉä ªÉlÉÉʺlÉÊiÉ ÊxÉ´Éä¶É {ÉÉä]Ç¡òÉäʱɪÉÉä Eäò provision for depreciation of the investment portfolio ¨ÉÚ±ªÉ ¿ÉºÉ EòÉ |ÉÉ´ÉvÉÉxÉ `1279.00 Eò®Éäc (º|Éäb ®Ê½iÉ) +Éè® as on December 2017 was `1279.00 crore (without `871.32 Eò®Éäc lÉÉ (ºÉ|Éäb Eäò ¤ÉÉn SÉÉ® ÊiɨÉÉʽªÉÉå ¨Éå +lÉÉÇiÉ spreading) and `871.32 crore (after spreading in four ÊnºÉ¨¤É®, 2017 ºÉä ʺÉiɨ¤É®, 2018) +Éè® ¨ÉÉSÉÇ, 2018 EòÉä quarters i.e from December, 2017 to September, ` ªÉlÉÉʺlÉÊiÉ `1731.10 Eò®Éäc (º|Éäb ®Ê½iÉ) +Éè® `1322.09 2018) and as on March 2018 was 1731.10 crore (without spread) and `1322.09 crore (with spread in Eò®Éäc (º|Éäb ºÉʽiÉ SÉÉ® ÊiɨÉÉʽªÉÉå ¨Éå ¨ÉÉSÉÇ, 2018 ºÉä ÊnºÉ¨¤É®, iÉEò lÉÉ* +iÉ {É®´ÉiÉÔ ÊiɨÉÉʽªÉÉå ¨Éå |ÉÉ´ÉvÉÉxÉ ÊEòB four quarters from March, 2018 to December, 2018). 2018 ) : Hence the balance to be provided in the subsequent VÉÉxÉä ½äiÉÖ ¶Éä¹É +lÉÉÇiÉ `181.64 Eò®Éäc VÉÚxÉ, 2018 EòÉä ºÉ¨ÉÉ{iɽÉäxÉä quarters i.e. `181.64 crore for the quarter ending ´ÉɱÉÒ ÊiɨÉÉ½Ò ½äiÉÖ, `181.63 Eò®Éäc ʺÉiɨ¤É®, 2018 EòÉä June, 2018, `181.63 crore for the quarter ending ºÉ¨ÉÉ{iÉ ½ÉäxÉä ´ÉɱÉÒ ÊiɨÉÉ½Ò ½äiÉÖ +Éè® `45.74 Eò®Éäc ÊnºÉ¨¤É®, September, 2018 & `45.74 crore for the quarter 2018 EòÉä ºÉ¨ÉÉ{iÉ ½ÉäxÉä ´ÉɱÉÒ ÊiɨÉÉ½Ò ½äiÉÖ ½è ending December, 2018. 2.4. ¤ÉéEò xÉä ´É¹ÉÇ Eäò nùÉè®úÉxÉ ¨ÉÉÌVÉxÉ ]ÅäõËb÷MÉ Eäò ʱÉB EòÉä<Ç Ê´ÉkÉ{ÉÉä¹ÉhÉ xɽþÓ 2.4. The Bank has not made any financing for margin ÊEòªÉÉ ½èþ +Éè®ú xÉ ½þÒ ÊEòºÉÒ +ÉκiÉ EòÉ |ÉÊiɦÉÚÊiÉEò®úhÉ ÊEòªÉÉ ½èþ* trading and also not securitised any assets during the year. 3. ¦ÉÉÊ®ú¤ÉéEò Eäò Ênù¶ÉÉÊxÉnÇúäù¶ÉÉå Eäò +xÉÖºÉÉ®ú |ÉEò]õÒEò®úhÉ : 3. Disclosure in terms of RBI guidelines: 3.1. {ÉÚÆVÉÒ 3.1 Capital ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò {ÉÊ®ú{ÉjÉ b÷Ò¤ÉÒ+É®ú.ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.1/21.06.201/ In terms of RBI Circulars DBR.No.BP.BC.1/21.06.201/ 2015-16 ÊnùxÉÉÆEò 1 VÉÖ±ÉÉ<Ç 2015, b÷Ò¤ÉÒ+É®ú.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.43/ 2015-16 dated July 1, 2015, DBR.BP.BC. No.43/ 21.06.001/2015-16 ÊnùxÉÉÆEò 8 +HÚò¤É®ú 2015, b÷Ò¤ÉÒ+É®ú. 21.06.001/2015-16 dated October 8, 2015, ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ. ºÉÆ. 44/ 08.12.015/2015-16 ÊnùxÉÉÆEò 8 +HÚò¤É®ú DBR.BP.BC.No.44/ 08.12.015/2015-16 dated October 8, 2015, 44 +Éè®ú ÷b÷Ò¤ÉÒ+É®ú.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.83/21.06.201/2015-16 2015 and DBR.No.BP.BC/83/21.06.201/2015-16 dated ÊnùxÉÉÆEò 1 ¨ÉÉSÉÇ 2016, b÷Ò¤ÉÒ+É®ú. ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ. ºÉÆ. 1st March 2016, DBR.No.BP.BC.6/21.06.001/2016-17 6/ 21.06.2001/ dated 25th August 2016, DBR.BP.BC.No.20/21.06.001/ 2016-17 ÊnùxÉÉÆEò 20 +HÚò¤É®ú 2016 +Éè®ú b÷Ò¤ÉÒ+É®ú. ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ. 2016-17 dated 20th October 2016 and DBR.BP.BC.No.50/ ºÉÆ.50/ 21.06.201/2016-17 ÊnùxÉÉÆEò 2 ¡ò®ú´É®úÒú 2017, bÒ¤ÉÒ+ÉäbÒ 21.06.201/2016-17 dated 2nd February 2017, DBOD Mail ¨Éä±É ¤ÉÉCºÉ º{ɹ]ÒEò®hÉ ÊnxÉÉÆEò 25 +|Éè±É, 2017, Box Clarification dated April 25, 2017, DBR.No.BP.BC.74/ b÷Ò¤ÉÒ+É®ú.ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.74/21.06.009/2016-17 ÊnùxÉÉÆEò 13 VÉÚxÉÇ 21.06.009/2016-17 dated June 13, 2017 and DBOD Mail

179 2017 +Éè® , bÒ¤ÉÒ+ÉäbÒ ¨Éä±É ¤ÉÉCºÉ º{ɹ]ÒEò®hÉ ÊnxÉÉÆEò 29 ÊnºÉ¨¤É®, Box Clarification dated December 29, 2017, the details 2017 Eäò +xÉÖºÉÉ®ú ¤ÉɺÉä±É-III Ê´ÉÊxɪɨÉÉå Eäò +ÆiÉMÉÇiÉ MÉhÉxÉÉ ÊEòB MÉB of Capital Adequacy Ratio computed under Basel-III {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ +xÉÖ{ÉÉiÉ EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ: regulations are as under;

Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars F.Y. 2017-18 F.Y. 2016-17 i) ºÉɨÉÉxªÉ <ÇÎC´É]õÒ ]õҪɮú-1 {ÉÚÆVÉÒ +xÉÖ{ÉÉiÉ ú(%) Common Equity Tier 1 capital ratio (%) 5.57 8.20 ii) ]õҪɮú-1 {ÉÚÆVÉÒ +xÉÖ{ÉÉiÉ (%) / Tier 1 capital ratio (%) 6.69 8.49 iii) ]õҪɮú-2 {ÉÚÆVÉÒ +xÉÖ{ÉÉiÉ (%)/Tier 2 capital ratio(%) 2.00 2.96 iv) EÖò±É {ÉÚÆVÉÒ +xÉÖ{ÉÉiÉ(ºÉÒ+É®úB+É®ú) (%)/Total Capital ratio (CRAR) (%) 8.69 11.45 v) ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú Eäò ¶ÉäªÉ®úvÉÉ®hÉ EòÒ |ÉÊiɶÉiÉiÉÉ/ Percentage of the shareholding of the Government of India 64.78 65.92 vi) =MÉɽþÒ MÉ<Ç <ÇÎC´É]õÒ {ÉÚÆVÉÒ EòÒ ®úÉ榃 / Amount of Equity Capital raised i. ¦ÉÉ®iÉ ºÉ®EòÉ® EòÉä +ÊvɨÉÉxÉÒ +ɤÉÆ]xÉ/Preferential allotment to GOI 418.00* 723.00 ii. B±É+É<ǺÉÒ EòÉä +ÊvɨÉÉxÉÒ+ɤÉÆ]xÉ /Preferential allotment to LICI ¶ÉÚxªÉ/NIL 128.14 iii. +ɱɤÉéEò-<ÇBºÉ{ÉÒBºÉ/AllBank- ESPS 315.22 ¶ÉÚxªÉ/NIL EÖò±É/Total 733.22 851.14 (|ÉÒÊ¨ÉªÉ¨É ºÉʽþiÉ) / (|ÉÒÊ¨ÉªÉ¨É ºÉʽþiÉ) / (including premium) (including premium) vii) =MÉɽþÒ MÉ<Ç +ÊiÉÊ®úHò ]õҪɮú-1 {ÉÚÆVÉÒ EòÒ ®úÉζÉ, ÊVɺɨÉå ºÉä/ Amount of additional Tier 1 capital raised; of which 1200.00 300.00

Perpetual Non Cumulative Preference Shares (PNCPS): ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL {É®ú{ÉäSÉÖ+±É bä÷]õ

Preference Share Capital Instruments: (Perpetual Cumulative Preference Shares(PCPS)/Redeemable Non-Cumulative Preference Shares(RNCPS)/ Redeemable Cumulative Preference Shares(RCPS) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

* ¤ÉéEò EòÉä 31.03.2017 EòÉä {ÉÚÆVÉÒ +ÆiÉ: |É´Éɽþ Eäò °ü{É ¨Éå ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú *The capital infusion fund of `418.00 crore (Rupees Four ºÉä `418 Eò®úÉäc(¯û{ÉB SÉÉ®ú ºÉÉè +]Âõ`ööÉ®ú½þ Eò®úÉäc÷) EòÒ ®úÉ榃 |ÉÉ{iÉ ½Öþ<Ç* hundred eighteen crore Only) was received by the Bank iÉlÉÉÊ{É ºÉ¦ÉÒ Ê´ÉÊxɪÉɨÉEò/ºÉÉÆÊ´ÉÊvÉEò +xÉÖ¨ÉÉänxÉ |ÉÉ{iÉ ½ÉäxÉä Eäò ¤ÉÉn ={ɪÉÖÇCiÉ from GOI on 31.03.2017. However, the allotment of shares {ÉÚÆVÉÒ <Æ¡òªÉÚVÉxÉ Eäò ºÉÉ{ÉäIÉ ¦ÉÉ®úiÉ ºÉ®EòÉ® EòÉä ¶ÉäªÉ®Éå EòÉ +ɤÉÆ]xÉ 07.08.2017 to GOI against the said capital infusion happened on (Ê´ÉiiÉÒªÉ ´É¹ÉÇ 2017-18) EòÉä ÊEòªÉÉ MɪÉÉ* Ê´ÉiiÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nÉè®ÉxÉ 07.08.2017(FY 2017-18) after receipt of all regulatory/ ¤ÉéEò EòÉä {ÉÒBºÉ¤ÉÒ Ê®EèòÊ{É]±ÉÉ

{ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ +xÉÖ{ÉÉiÉ EòÒ MÉhÉxÉÉ ¦ÉÉÊ®ú¤Éé Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +ÉvÉÉ®ú {É®ú The Capital Adequacy Ratio is computed on the basis of RBI |ɪÉÉäVªÉ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlɪÉÉå EòÉä EòÒ VÉÉiÉÒ ½èþ +Éè®ú Ê{ÉUô±ÉÒ ºÉoù¶ªÉ +´ÉÊvÉ Eäò guidelines applicable on the relevant reporting dates and

180 +xÉÖ{ÉÉiÉ EòÉä {É®ú´ÉiÉÔ {ÉÊ®ú´ÉiÉÇxÉÉå ªÉÊnù EòÉä<Ç ½þÉä, Eäò |ɦÉÉ´É {É®ú Ê´ÉSÉÉ®ú Eò®úxÉä ½äþiÉÖ the ratio for the corresponding previous period is not adjusted <ºÉä ºÉ¨ÉɪÉÉäÊVÉiÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ* to consider the impact of subsequent changes if any in the guidelines.

¤ÉɺÉä±É-** ¨ÉÉxÉnÆùb÷Éå Eäò +xÉÖºÉÉ®ú ºÉÒ+É®úB+É®ú EòÉ |ÉEò]õxÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½; The disclosure of CRAR as per BASEL-II norms are given below;

Gò¨É ºÉÆ. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/ Ê´ÉkÉÒªÉ ´É¹ÉÇ/ Sl. No Particulars F.Y. 2017-18 F.Y. 2016-17 i. ºÉÒ+É®úB+É® ú(%)/CRAR (%) 9.30 10.90 ii. ºÉÒ+É®úB+É® ]õҪɮú-1 {ÉÚÆVÉÒ (%) /CRAR-Tier 1 Capital (%) 5.50 7.12 iii. ºÉÒ+É®úB+É® ]õҪɮú-2 (%) CRAR-Tier 2 Capital (%) 3.80 3.78

3.2. ÊxÉ´Éä¶É / Investments (` Eò®úÉäc÷ ¨Éå) /(` in crore) Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars 2017-18 2016-17 (1) ÊxÉ´Éä¶ÉÉå Eäò ¨ÉÚ±ªÉ/Value of Investments

(i) ÊxÉ´Éä¶ÉÉå EòÉ ºÉEò±É ¨ÉÚ±ªÉ/Gross Value of Investments

(B/a)¦ÉÉ®úiÉ ¨Éå/In India 68738.24 55433.36

(¤ÉÒ/b)¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú/Outside India 297.88 278.60 (ii) +´ÉIÉªÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/Provisions for Depreciation

(B/a)¦ÉÉ®úiÉ ¨Éå/In India 1322.09 575.89

(¤ÉÒ/b)¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú/Outside India ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (iii) ÊxÉ´Éä¶ÉÉå EòÉ ÊxÉ´É±É ¨ÉÚ±ªÉ/Net Value of Investments

(B/a)¦ÉÉ®úiÉ ¨Éå/In India 67416.14 54857.47 (¤ÉÒ/b)¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú/Outside India 297.88 278.60 (2) ÊxÉ´Éä¶ÉÉå {É®ú +´ÉIÉªÉ Eäò °ü{É ¨Éå vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ EòÉ ºÉÆSɱÉxÉ Movement of provisions held towards depreciation on investments. (i) +lÉ ¶Éä¹É/Opening balance 575.89 376.21 (ii) VÉÉäcå÷: ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊEòªÉä MɪÉä |ÉÉ´ÉvÉÉxÉ/Add: Provisions made during the year 1155.21 245.79 (iii) PÉ]õÉBÆ: ÊxÉ´Éä¶É Eäò +{ɱÉäJÉxÉ Eäò ʱÉB ={ɪÉÉäMÉ ÊEòªÉÉ MɪÉÉ |ÉÉ´ÉvÉÉxÉ Less: Write off/ write back of excess provision during the year 409.01 46.11 (iv) PÉ]õÉBÆ: |ÉÊiɦÉÚÊiɪÉÉå EòÒ Ê¶ÉÏ}]õõMÉ ºÉä +ÆiÉÊ®úiÉ ®úÉʶÉ

Less amount transferred on account of sale to ARCs ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

(v) <ÊiÉ ¶Éä¹É/Closing balance 1322.09 575.89 xÉÉä]:1.¦ÉÚiÉ{ÉÚ´ÉÇ +ɱɤÉéEò ¡òÉ

2. ¶ÉäªÉ® {ÉÉä]Ç¡òÉäʱɪÉÉå Eäò +ÆiÉMÉÇiÉ `18.37 Eò®Éäc iÉlÉÉ ¤ÉÉÆb +Éè® 2. An appreciation of `18.37 crore under shares ` Êb¤ÉåSÉ® {ÉÉä]Ç¡òÉäʱɪÉÉä Eäò +ÆiÉMÉÇiÉ `1.15 Eò®Éäc Eäò +ÊvɨÉÚ±ªÉxÉ portfolio & 1.15 crore under Bonds and Debentures portfolio has been considered for the EòÉä +ɱɤÉéEò ¡òÉ

181 3.2.1 ®äú{ÉÉä ±ÉäxÉnäùxÉ (+ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò °ü{É ¨Éå) / Repo Transactions (in face value terms): (` Eò®úÉäc÷ ¨Éå)/(` in crore) Ê´É´É®úhÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ 31.03.2018 xªÉÚxÉiÉ¨É ¤ÉEòɪÉÉ +ÊvÉEòiÉ¨É ¤ÉEòɪÉÉ nèùÊxÉEò +ÉèºÉiÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ¤ÉEòɪÉÉ Particulars Minimum Maximum Daily Average Outstanding Outstanding outstanding outstanding As on during the year during the year during the year 31.03.2018

®úä{ÉÉä Eäò +ÆiÉMÉÇiÉ ¤ÉäSÉÒ MÉ<Ç |ÉÊiɦÉÚÊiɪÉÉÆ /Securities sold under repo (i) ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ /Govt Securities 300.00 8000.00 605.00 8000.00 (ii) EòÉ®ú{ÉÉä®úä]õ @ñhÉ |ÉÊiɦÉÚÊiɪÉÉÆ /Corporate Debt Securities ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL Ê®ú´ÉºÉÇ ®äú{ÉÉä Eäò +ÆiÉMÉÇiÉ JÉ®úÒnùÒ MÉ<Ç |ÉÊiɦÉÚÊiɪÉÉÆ / Securities purchased under reverse repo (i) ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ/Govt. Securities 100.00 19750.00 1269.31 1500.00 (ii) EòÉ®ú{ÉÉä®úä]õ @ñhÉ |ÉÊiɦÉÚÊiɪÉÉÆ /Corporate Debt Securities ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

3.2.2 MÉè®ú-BºÉB±É+É®ú ÊxÉ´Éä¶É {ÉÉä]Çõ¡òÉäʱɪÉÉä / Non-SLR Investment Portfolio i) ÊnùxÉÉÆEò 31.3.2018 EòÉä ªÉlÉÉκlÉÊiÉ MÉè®ú-BºÉB±É+É®ú ÊxÉ´Éä¶É Eäò VÉÉ®úÒEòiÉÉÇ´ÉÉ®ú ºÉÆPÉ]õxÉ / Issuer composition of Non SLR investments as on 31.03.2018 (` Eò®úÉäc÷ ¨Éå) / (` in crore) Gò.ºÉÆ. VÉÉ®úÒEòiÉÉÇ ®úÉ榃 ÊxÉVÉÒ {±ÉäºÉ¨Éå]õ ""ʤɱÉÉä

182 ii) MÉè®ú-Êxɹ{ÉÉnùEò MÉè®ú-BºÉB±É+É®ú ÊxÉ´Éä¶É/Non performing Non-SLR investments (` Eò®úÉäc÷ ¨Éå) / (` in crore) Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars 2017-18 2016-17 +lÉ-¶Éä¹É / Opening balance 98.87 95.57 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ 1 +|Éè±É ºÉä / Additions during the year since 1st April 610.69 142.38 =Hò +Ê´ÉvÉ Eäò nùÉè®úÉxÉ Eò¨ÉÒ / Reductions during the above period 0.32 139.08 <ÊiÉ-¶Éä¹É / Closing balance 709.24 98.87 vÉÉÊ®úiÉ EÖò±É |ÉÉ´ÉvÉÉxÉ / Total provisions held 406.52 27.32

3.2.3 BSÉ ]õÒ B¨É ¸ÉähÉÒ EòÉä ú/ ºÉä Ê´ÉGòªÉ B´ÉÆ +ÆiÉ®úhÉ& ´É¹ÉÇ Eäò nùÉè®úÉxÉ 3.2.3 Sale & Transfer to/from HTM category: All sales and BSÉ]õÒB¨É ¸ÉähÉÒ ºÉä /EòÉä Ê´ÉGòªÉ ´É¹ÉÇ Eäò |ÉÉ®ú¨¦É ¨Éå ¤É½þÒ ¨ÉÚ±ªÉ Eäò 5% EòÒ transfers to/from HTM category during the year are within the ºÉÒ¨ÉÉ Eäò +Ænù®ú ®ú½þÉ* BSÉ]õÒB¨É ¸ÉähÉÒ Eäò +ÆiÉMÉÇiÉ BºÉB±É+É®ú |ÉÊiɦÉÚÊiɪÉÉå limit of 5% of book value at the beginning of the year. The EòÒ ºÉÒ¨ÉÉ ¨Éå Eò¨ÉÒ Eäò ¡ò±Éº´É°ü{É ¤ÉéEò xÉä BB¡òBºÉ/BSÉB¡ò]õÒ EòÉä |ÉÊiɦÉÚÊiɪÉÉå Bank has not made any sale of securities or transfer to AFS/ EòÒ Ê¤ÉGòÒ ªÉÉ +ÆiÉ®úhÉ xɽþÓ ÊEòªÉÉ ½èþ* ¤ÉéEò xÉä ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Eäò +xÉÖ¨ÉÉänùxÉ HFT consequent upon reduction of ceiling on SLR Securities ºÉä Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 EòÒ |ÉlÉ¨É ÊiɨÉɽþÒ Eäò nùÉè®úÉxÉ BSÉ]õÒB¨É ºÉä under HTM category. The Bank has one time shifted the securities having book value of `22236.50 crore from HTM to BB¡òBºÉ ¨Éå `22236.50 Eò®úÉäc÷ Eäò ¤É½þÒ¨ÉÚ±ªÉ EòÒ |ÉÊiɦÉÚÊiɪÉÉÆ BEò¤ÉÉ®úMÉÒ AFS category during the first quarter of FY 2017-18 with the +ÆiÉÊ®úiÉ EòÒ ½èþ ÊVɺÉEòÒ +xÉÖ¨ÉÊiÉ ¦ÉÉÊ®ú¤Éé Eäò ÊnùxÉÉÆEò 1 VÉÖ±ÉÉ<Ç 2015 Eäò approval of Board of Directors which is permitted by RBI in ¨Éɺ]õ®ú {ÉÊ®ú{ÉjÉ ºÉÆ. +É®ú¤ÉÒ+É<Ç/2015-16/97 b÷Ò¤ÉÒ+É®ú ºÉÆ. ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.6/ terms of Master Circular No.RBI/2015-16/97 DBR No.BP.BC.6/ 21.04.141/2015-16 uùÉ®úÉ nùÒ MÉ<Ç ½èþ* 21.04.141/2015-16 dated July 1, 2015.

3.3. bäÊ÷®ú´ÉäÊ]õ´É / Derivatives : (` Eò®úÉäc÷ ¨Éå) ` 3.3.1. ¡òÉì®ú´ÉbÇ÷ nù®ú Eò®úÉ®ú/¤ªÉÉVÉ nù®ú º´Éè{É / Forward Rate Agreement / Interest Rate Swap /( in crore) Ê´ÉkÉÒªÉ ´É¹ÉÇ/ Ê´ÉkÉÒªÉ ´É¹ÉÇ/ Ê´É´É®úhÉ / Particulars* F. Y. F. Y. 2017-18 2016-17 (i) º´Éè{É Eò®úÉ®úÉå EòÉ xÉÉä¶ÉxÉ±É ¨ÉÚ±ÉvÉxÉ / Notional principal of swap agreements ¶ÉÚxªÉ /NIL ¶ÉÚxªÉ /NIL (ii) +MÉ®ú Eò®úÉ®úÉå Eäò +ÆiÉMÉÇiÉ |ÉÊiÉ{ÉIÉ +{ÉxÉÒ ´ÉSÉxɤÉrùiÉÉ+Éå EòÉä {ÉÚ®úÉ Eò®úxÉä ¨Éå Ê´É¡ò±É ®ú½äþ iÉÉä =ºÉºÉä ½þÉäxÉä ´ÉɱÉÉ PÉÉ]õÉ Losses which would be incurred if counterparties failed to fulfill their obligations under the agreements ¶ÉÚxªÉ /NIL ¶ÉÚxªÉ /NIL (iii) º´Éè{É ¨Éå ¶ÉÉÊ¨É±É ½þÉäxÉä {É®ú ¤ÉéEò uùÉ®úÉ ´ÉÉÆÊUôiÉ ºÉÆ{ÉÉÌ·ÉEò Collateral required by the bank upon entering into swaps ¶ÉÚxªÉ /NIL ¶ÉÚxªÉ /NIL (iv) º´Éè{É ºÉä ½þÉäxÉä ´ÉɱÉä @ñhÉ VÉÉäÊJÉ¨É {É®ú ºÉÆEäòxpùÒEò®úhÉ Concentration of credit risk arising from the swaps ¶ÉÚxªÉ /NIL ¶ÉÚxªÉ /NIL (v) º´Éè{É ¤ÉÖEò EòÉ =ÊSÉiÉ ¨ÉÚ±ªÉ / Fair value of the swap book ¶ÉÚxªÉ /NIL ¶ÉÚxªÉ /NIL

* PÉ®ä±ÉÚ ÊxÉ´Éä¶É °ü{ÉB ¨Éå / Domestic investment in Rupees

3.3.2. BCºÉSÉäÆVÉ ú ]Åäõbä÷b÷ ¤ªÉÉVÉ nù®ú bäÊ÷®ú´ÉäÊ]õ´É : ¶ÉÚxªÉ 3.3.2 Exchange Traded Interest Rate Derivatives: NIL (Ê´ÉMÉiÉ ´É¹ÉÇ : ¶ÉÚxªÉ) (Previous year: NIL) 3.3.3. bäÊ÷®ú´ÉäÊ]õ´É ¨Éå VÉÉäÊJÉ¨É BCºÉ{ÉÉäVÉ®ú ºÉä ºÉƤÉÆÊvÉiÉ |ÉEò]õÒEò®úhÉ 3.3.3 Disclosures on risk exposure in derivatives MÉÖhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ Qualitative Disclosure: ¤ÉéEò EòÒ ]ÅäõVÉ®úÒ ¶ÉÉJÉÉ ¨Éå {ÉÊ®úSÉɱÉxÉ EòÉä iÉÒxÉ EòɪÉÉÇi¨ÉEò IÉäjÉÉå ªÉlÉÉ, £Æò]õ Operation in the Treasury Branch of the Bank are segregated +ÉìÊ¡òºÉ, ʨÉb÷÷ +ÉìÊ¡òºÉ B´ÉÆ ¤ÉèEò +ÉìÊ¡òºÉ Eäò °ü{É ¨Éå ʴɦÉHò ÊEòªÉÉ MɪÉÉ ½èþ in three functional areas i.e. Front Office, Mid Office and Back ÊVÉxɨÉå {ÉÊ®ú¦ÉÉʹÉiÉ =kÉ®únùÉʪÉi´ÉÉå B´ÉÆ ¤ÉèEò+{É ¦ÉÚʨÉEòÉ Eäò ºÉÉlÉ |ÉʶÉÊIÉiÉ Office, which are provided with trained officers with defined +ÊvÉEòÉ®úÒ |ÉnùÉxÉ ÊEòªÉä MɪÉä ½éþ* responsibilities and back up roles. ¤ÉéEò EòÒ ]ÅäõVÉ®úÒ B´ÉÆ bäÊ÷®ú´ÉäÊ]õ´É xÉÒÊiÉ ¨Éå Ê´ÉkÉÒªÉ bäÊ÷®ú´ÉäÊ]õ´É ʱÉJÉiÉ, ={ɪÉÉäMÉ The Treasury Policy & Derivative policy of the Bank lays down EòÉ Ê´É¹ÉªÉ IÉäjÉ, +xÉÖ¨ÉÉänùxÉ |ÉÊGòªÉÉ ºÉʽþiÉ @ñhÉ ºÉÒ¨ÉÉBÄ ªÉlÉÉ +Éä{ÉxÉ {ÉÉäVÉÒ¶ÉxÉ the type of financial derivatives instruments, scope of usages, approval processes as also the limits like the open position ºÉÒ¨ÉÉ, Ê¤É±É +ÉEòÉ®ú ºÉÒ¨ÉÉ B´ÉÆ º]õÉì{É ±ÉÉìºÉ ºÉÒ¨ÉÉ Eäò ºÉÉlÉ ½þÒ +xÉÖ¨ÉÉäÊnùiÉ limits, deal size limits and stop loss limits besides delegated ʱÉJÉiÉÉå ¨Éå ]ÅäõËb÷MÉ ½äþiÉÖ |ÉiªÉɪÉÉäÊVÉiÉ +ÊvÉEòÉ®ú ´ÉÌhÉiÉ ½èþ* xÉÒÊiÉ ¨Éå GòÉìºÉ power for trading in the approved instruments. The policy also Eò®åúºÉÒ |ÉÉä|ÉÉ<]õ®úÒ ]ÅäõËb÷MÉ {ÉÉäVÉÒ¶ÉxÉ EòÒ ´ÉɪÉnùÉ JÉ®úÒnù/ʤÉGòÒ ½äþiÉÖ EòÉì±É allows purchase / sale of call or put options to hedge cross +lÉ´ÉÉ {ÉÖ]õ +Éì{¶ÉxÉ EòÒ JÉ®úÒnù/ʤÉGòÒ B´ÉÆ +{ÉxÉä OÉɽþEòÉå EòÉä ¤ÉéEò uùÉ®úÉ ¤ÉèEò currency proprietary trading positions and to offer derivative ]Öõ ¤ÉèEò Eò´ÉË®úMÉ Eäò +vªÉvÉÒxÉ bäÊ÷®ú´ÉäÊ]õ´É =i{ÉÉnù |ÉnùÉxÉ Eò®úxÉä EòÒ ¦ÉÒ +xÉÖ¨ÉÊiÉ products to its customers subject to back to back covering by ½èþ* the Bank.

183 £Æò]õ +ÉìÊ¡òºÉ {ÉÉäVÉÒ¶ÉxÉ ±ÉäEò®ú b÷Ò±É Êxɹ{ÉÉÊnùiÉ Eò®úiÉÉ ½èþ VɤÉÊEò ʨÉb÷ The Front Office takes positions and executes the deals while +ÉìÊ¡òºÉ ]ÅäõËb÷MÉ ¤ÉÖEò ¨Éå ±ÉäxÉnäùxÉ EòÒ ÊxÉMÉ®úÉxÉÒ Eò®úiÉÉ ½èþ iÉlÉÉ +MÉ®ú +ÊiÉÊ®úHò the Mid Office monitors the transactions in the trading book Ê´É{ÉlÉxÉ ½þÉäiÉÉ ½èþ iÉÉä =ºÉä =SSÉiÉ®ú |ÉÉÊvÉEòÉÊ®úªÉÉå EòÒ VÉÉxÉEòÉ®úÒ ¨Éå ±ÉɪÉÉ and deviations of excesses, if any, are brought to the notice of VÉÉiÉÉ ½èþ* ʨÉb÷ +ÉìÊ¡òºÉ ¨ÉÉ{ÉEò ={ÉEò®úhÉÉå ªÉlÉÉ, B¨É]õÒB¨É, ´ÉÒB+É®ú, Eòx´ÉäÎCºÉ]õÒ higher authorities. The Mid office also measures the financial B´ÉÆ {ÉÊ®ú¶ÉÉäÊvÉiÉ ºÉ¨ÉªÉ Eäò ¨ÉÉvªÉ¨É ºÉä nèùÊxÉEò +ÉvÉÉ®ú {É®ú ±ÉäxÉnäùxÉ ½äþiÉÖ Ê´ÉkÉÒªÉ risk for transactions on a daily basis through measurement tools such as MTM, VAR, Convexity and Modified Durations. VÉÉäÊJÉ¨É EòÉ ¦ÉÒ ¨ÉÉ{É Eò®úiÉÉ ½èþ* +ÉÄEòc÷Éå EòÒ Ê®ú{ÉÉäÍ]õMÉ VÉÉäÊJÉ¨É |ɤÉÆvÉxÉ The figures are reported to Risk Management division, which ʴɦÉÉMÉ EòÉä EòÒ VÉÉiÉÒ ½èþ VÉÉä +ÉκiÉ B´ÉÆ näùªÉiÉÉ |ɤÉÆvÉxÉ ºÉä ºÉƤÉÆÊvÉiÉ ÊxÉnäù¶ÉEò appraises the risk profile to the Assets and Liability EòÒ ºÉʨÉÊiÉ EòÉä VÉÉäÊJÉ¨É |ÉÉä¡òÉ<±É ºÉä +´ÉMÉiÉ Eò®úÉiÉÉ ½èþ* ¤ÉèEò +ÉìÊ¡òºÉ Management committee. The Back office settles all the deals |ÉÊiÉ{ÉIÉÒ {ÉÉÌ]õªÉÉå ºÉä ºÉ¨ÉºiÉ b÷Ò±É EòÉ ÊxÉ{É]õÉ®úÉ Eò®úiÉÉ ½èþ* with counter parties. ÊEòºÉÒ +ÉκiÉ +lÉ´ÉÉ näùªÉiÉÉ Eäò °ü{É ¨Éå xÉɨÉÉäÊqù¹]õ º´Éè{É, ÊVɺÉä ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ Interest Rate Swaps which hedge interest bearing assets or +lÉ´ÉÉ ±ÉÉMÉiÉ ºÉä Eò¨É +lÉ´ÉÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ ¨Éå ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ {É®ú ÊEòªÉÉ liabilities are accounted for on accrual basis except the Swaps VÉÉiÉÉ ½èþ, EòÉä UôÉäc÷Eò®ú ¤ªÉÉVÉ ´ÉɱÉÒ +ÉκiɪÉÉå +lÉ´ÉÉ näùªÉiÉÉ+Éå EòÒ |ÉÊiÉ®úIÉÉ designated with an asset or liability that is carried at lower of Eò®úxÉä ´ÉɱÉÒ ¤ªÉÉVÉ nù®ú º´Éè{É EòÉä |ÉÉänÂù¦ÉÚiÉ +ÉvÉÉ®ú {É®ú ±ÉäJÉɤÉrù ÊEòªÉÉ VÉÉiÉÉ cost or market value in the financial statements. Gains or Losses on the termination of Swaps are recognized over the ½èþ* º´Éè{É ºÉ¨ÉÉ{iÉ ½þÉäxÉä {É®ú ±ÉÉ¦É +lÉ´ÉÉ PÉÉ]äõ EòÉä º´Éè{É Eäò ¶Éä¹É ºÉÆÊ´ÉnùÉMÉiÉ shorter of the remaining contractual life of the Swap or the EòɪÉÇEòÉ±É +lÉ´ÉÉ +ÉκiÉ/näùªÉiÉÉ+Éå Eäò ¶Éä¹É EòɪÉÇEòÉ±É ºÉä Eò¨É {É®ú º´ÉÒEÞòiÉ remaining life of the assets/liabilities. Trading Swap ÊEòªÉÉ VÉÉiÉÉ ½èþ* ±ÉäxÉnäùxÉÉå EòÒ |ÉÊiÉ{ÉIÉ {ÉÉÌ]õªÉÉÄ ¤ÉéEò B´ÉÆ EòÉ®ú{ÉÉä®äú]õ ºÉƺlÉÉBÄ transactions are marked to market with changes recorded in ½éþ iÉlÉÉ EòÒ VÉÉxÉä ´ÉɱÉÒ b÷Ò±É +xÉÖ¨ÉÉäÊnùiÉ BCºÉ{ÉÉäVÉ®ú ºÉÒ¨ÉÉ+Éå Eäò +Ænù®ú ½þÒ the financial statements. The counterparties to the transactions ½éþ* +ÉªÉ +ʦÉYÉÉxÉ, |ÉÒÊ¨ÉªÉ¨É B´ÉÆ Êb÷ºEòÉ=Æ]õ Eäò ʱÉB ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò, are Banks and corporate entities and deals undertaken are ¡äòb÷É<Ç B´ÉÆ B¡ò+É<ÇB¨ÉB¨Éb÷ÒB uùÉ®úÉ ºÉ¨ÉªÉ-ºÉ¨ÉªÉ {É®ú VÉÉ®úÒ Ênù¶ÉÉÊxÉnæù¶ÉÉå EòÉ within the approved exposure limits only. The guidelines issued by RBI, FEDAI & FIMMDA from time to time for recognition of +xÉֺɮúhÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Income, Premium and Discount are followed.

* {ÉÊ®ú¨ÉÉhÉÉi¨ÉEò |ÉEò]õÒEò®úhÉ / Quantitative Disclosures : (` Eò®úÉäc÷ ¨Éå) /(` in crore)

Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2017-18 2016-17 Gò.ºÉÆ. Ê´É´É®úhÉ Eò®äúxºÉÒ ¤ªÉÉVÉ nù® Eò®äúxºÉÒ ¤ªÉÉVÉ nù® bäÊ÷®ú´ÉäÊ]õ´É bäÊ÷®ú´ÉäÊ]õ´É bäÊ÷®ú´ÉäÊ]õ´É bäÊ÷®ú´ÉäÊ]õ´É Sl No Particulars Currency Interest rate Currency Interest rate Derivatives derivatives Derivatives derivatives

(i) bäÊ÷®ú´ÉäÊ]õ´É (xÉÉä¶ÉxÉ±É ¨ÉÚ±É ®úÉ榃 )/ Derivatives (Notional Principal Amount) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL B) ½äþËVÉMÉ Eäò ʱÉB / a) For hedging ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¤ÉÒ) ]ÅäõËb÷MÉ Eäò ʱÉB / b) For trading ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (ii) btfUoTz ]Úõ ¨ÉÉEäòÇúú] {ÉÉäVÉÒ¶ÉxÉ (1)/ Marked to Market Positions (1)

B) +ÉκiÉ (+) / a) Asset (+) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¤ÉÒ) näùªÉiÉÉ / b) Liability (-) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (iii) @ñhÉ BCºÉ{ÉÉäVÉ®ú (2)/ Credit Exposure (2) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (iv) ¤ªÉÉVÉ nù®ú ¨Éå BEò |ÉÊiɶÉiÉ Eäò ºÉƦÉÉ´ªÉ {ÉÊ®ú´ÉiÉÇxÉ EòÉ |ɦÉÉ´É (100*PV01)

Likely impact of one percentage change in interest rate (100*PV01) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

B) ½äþËVÉMÉ bäÊ÷®ú´ÉäÊ]õ´É {É® / a) on hedging derivatives ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

¤ÉÒ) ]ÅäõËb÷MÉ bäÊ÷®ú´ÉäÊ]õ´É {É®ú / b) on trading derivatives ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (v) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉɪÉÉ MɪÉÉ 100*PV01 EòÉ +ÊvÉEòiÉ¨É B´ÉÆ xªÉÚxÉiɨÉ

Maximum and Minimum of 100*PV01 +ÊvÉEòiɨÉ/Maximum ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL observed during the year xªÉÚxÉiɨÉ/Minimum ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL B) ½äþËVÉMÉ {É®ú / a) on hedging +ÊvÉEòiɨÉ/Maximum ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL xªÉÚxÉiɨÉ/Minimum ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

¤ÉÒ) ]ÅäõËb÷MÉ {É®ú / b) on trading ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

* PÉ®ä±ÉÚ ÊxÉ´Éä¶É °ü{ÉB ¨Éå / Domestic investment in Rupees

184 3.4 +ÉκiÉ MÉÖhÉ´ÉkÉÉ / Asset Quality ` ` 3.4.1 +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉÄ / Non-Performing Assets ( Eò®úÉäc÷ ¨Éå) /( in crore)

Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars 2017-18 2016-17 (i) ÊxÉ´É±É +ÊOɨÉÉå ¨Éå ÊxÉ´É±É BxÉ{ÉÒB (%) / Net NPAs to Net Advances (%) 8.04 8.92 (ii) BxÉ{ÉÒB EòÉ ºÉÆSɱÉxÉ (ºÉEò±É) / Movement of NPAs (Gross) (B) +lÉ ¶Éä¹É /(a) Opening balance 20687.83 15384.57 (¤ÉÒ) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / (b) Additions during the year 12903.28 11417.00 (ºÉÒ) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò¨ÉÒ /( c) Reductions during the year 7028.32 6113.74 (b÷Ò) <ÊiÉ ¶Éä¹É / (d) Closing balance 26562.79 20687.83 (iii) ÊxÉ´É±É BxÉ{ÉÒB EòÉ ºÉÆSɱÉxÉ / Movement of Net NPAs (B) +lÉ ¶Éä¹É / (a) Opening balance 13433.51 10292.51 (¤ÉÒ) ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / (b) Additions during the year 12903.28 4546.39 (ºÉÒ) ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò¨ÉÒ / ( c) Reductions during the year 14107.66 1405.39 (b÷Ò) <ÊiÉ ¶Éä¹É / (d) Closing balance 12229.13 13433.51 (iv) BxÉ{ÉÒB Eäò |ÉÉ´ÉvÉÉxÉ EòÉ ºÉÆSɱÉxÉ (¨ÉÉxÉEò +ÉκiɪÉÉå {É®ú |ÉÉ´ÉvÉÉxÉ EòÉä UôÉäc÷Eò®ú)

Movement of provisions for NPAs (excluding provisions on standard assets) (B) +lÉ ¶Éä¹É / (a) Opening balance 7254.32 5092.06 (¤ÉÒ) ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉ / (b) Provisions made during the year 10662.85 4552.37 (ºÉÒ) ºÉÒºÉÒ{ÉÒ¤ÉÒ B´ÉÆ +xªÉ ºÉä |ÉÉ{iÉ |ÉÉ´ÉvÉÉxÉ

(c) Provisions received from CCPB & Others 25.55 77.49 (b÷Ò) +ÊiÉÊ®úHò |ÉÉ´ÉvÉÉxÉ EòÉ ®úÉ<]õ +Éì{É /®úÉ<]õ ¤ÉéEò / 3634.61 2467.60 (d) Write-off / write-back of excess provisions (<Ç) <ÊiÉ ¶Éä¹É

(e) Closing balance 14308.11 7254.32

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Disclosure of Restructured Accounts as on 31.03.2018 Accounts Disclosure of Restructured 123456789012345678901234567890

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123456789012345678901234567890 LOSS TOTAL STD SST DF LOSS TOTAL STD SST DF LOSS TOTAL STD SST DF LOSS TOTAL 123456789012345678901234567890

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Disclosures on Strategic Debt Restructuring Scheme (` Eò®úÉäc÷ ¨Éå) /(` in crore) JÉÉiÉÉå EòÒ ºÉÆJªÉÉ VɽþÉÆ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ®úÉÊ¶É Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ®úÉÊ¶É Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ®úÉ榃 BºÉb÷Ò+É®ú EòÉ +ɼ´ÉÉxÉ Amount of outstanding as on the =xÉ JÉÉiÉÉå Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉ Æ<ÎC´É]õÒ {É®ú @ñhÉ =xÉ JÉÉiÉÉå Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉ Æ<ÎC´É]õÒ {É®ú @ñhÉ ÊEòªÉÉ MɪÉÉ ½èþ reporting date EòÉ °ü{ÉÉÆiÉ®úhÉ ±ÉÆʤÉiÉ ½èþ EòÉ °ü{ÉÉÆiÉ®ÊEòªÉÉ MɪÉÉ ½èþ No of accounts Amount of outstanding as on the Amount of outstanding as on the where SDR has reporting date with respect to reporting date with respect to been invoked accounts where conversion of debt accounts where conversion of debt to equity is pending to equity has taken place. ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ Classified as Classified as Classified as Classified as Classified as Classified as Standard NPA Standard NPA Standard NPA 20 ¶ÉÚxªÉ/NIL 2539.29 ¶ÉÚxªÉ/NIL 1055.02 ¶ÉÚxªÉ/NIL 1484.27 xÉÉä]: n´ÉɤÉOɺiÉ +ÉʺiÉ-ºÉƶÉÉäÊvÉiÉ fÉÃÆSÉÉ Eäò ºÉÆEò±{É ºÉƤÉÆvÉÒ ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò Eäò Note: In terms of RBI guidelines on Resolution of Stressed Assets- Ên¶ÉÉÊxÉnÇ¶É ÊnxÉÉÆEò 12.02.2018 Eäò +xÉÖºÉÉ® ®úhÉxÉÒÊiÉ{É®úEò @ñhÉ {ÉÖxɺÉÈ®úSÉxÉÉ ªÉÉäVÉxÉÉ Revised Framework dated 12.02.2018, Strategic Debt Restructuring Scheme stands withdrawn with immediate effect. Hence, stand still iÉiEòÉ±É |ɦÉÉ´É ºÉä ´ÉÉ{ÉºÉ ±Éä ±ÉÒ MÉ<Ç ½è* +iÉ: º]éõb÷÷ κ]õ±É JÉÆb |ɪÉÉäVªÉ xÉ½Ó ½è* clause is not applicable. ºÉÒ. BºÉb÷Ò+É®ú ªÉÉäVÉxÉÉ ºÉä ¤Éɽþ®ú º´ÉÉʨÉi´É ¨Éå {ÉÊ®ú´ÉiÉÇxÉ ºÉƤÉÆvÉÒ |ÉEò]õÒEò®úhÉ/ C. Disclosures on change in Ownership outside SDR Scheme (` Eò®úÉäc÷ ¨Éå) /(` in crore) JÉÉiÉÉå EòÒ ºÉÆJªÉÉ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ®úÉÊ¶É Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ÊVÉx½åþ ¤ÉéEò xÉä ¤ÉEòɪÉÉ ®úÉ榃 =xÉ JÉÉiÉÉå Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉ Æ<ÎC´É]õÒ {É®ú ®úÉ榃 =xÉ JÉÉiÉÉå Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉ ®úÉ榃 =xÉ JÉÉiÉÉå Eäò ºÉƤÉÆvÉ ¨Éå VɽþÉ |ɦÉÉÊ´ÉiÉ Eò®úxÉä EòÉ Amount outstanding as @ñhÉ EòÉ °ü{ÉÉÆiÉ®úhÉ/<ÎC´É]õÒ ¶ÉäªÉ®ú EòÒ ÊMÉ®ú´ÉÒ Æ<ÎC´É]õÒ {É®ú @ñhÉ EòÉ °ü{ÉÉÆiÉ®úhÉ/ ÆxÉB ¶ÉäªÉ®úÉå Eäò ÊxÉMÉÇ¨É +lÉ´ÉÉ |ɨÉÉä]õ®ú ÊxÉhÉÇªÉ Ê±ÉªÉÉ ½èþ on the reporting date EòÉ ±ÉÉMÉÚ ÊEòªÉÉ VÉÉxÉÉ ±ÉÆʤÉiÉ ½èþþ <ÎC´É]õÒ ¶ÉäªÉ®ú EòÒ ÊMÉ®ú´ÉÒ EòÉä ±ÉÉMÉÚ EòÒ <ÎC´É]õÒ EòÉä ¤Éä´É Eò®ú º´ÉÉʨÉi´É ¨Éå No of ac- ÊEòªÉÉ MɪÉÉ ½èþþþ {ÉÊ®ú´ÉiÉÇxÉ EòÒ {ÉÊ®úEò±{ÉxÉÉ EòÒ MÉ<Ç ½èþ* counts where Amount outstanding as on the Amount outstanding as on the Amount outstanding as on the banks have reporting date with respect to reporting date with respect to reporting date with respect to decided to ef- accounts where conversion of debt accounts where conversion of accounts where change in fect to equity /invocation of pledge of debt to equity /invocation of ownership is envisaged by equity shares is pending pledge of equity shares has issuance of fresh shares or taken place sale of promoters' equity. ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨ÉÉxÉEò Eäò °ü{É BxÉ{ÉÒB Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ ¨Éå ´ÉMÉÔEÞòiÉ Classified as Classified as Classified as Classified as Classified as Classified as Classified as Classified as Standard NPA Standard NPA Standard NPA Standard NPA 9 ¶ÉÚxªÉ/NIL 683.55 ¶ÉÚxªÉ/NIL 438.19 ¶ÉÚxªÉ/NIL 245.36 ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL xÉÉä]: n´ÉɤÉOɺiÉ +ÉʺiÉ-ºÉƶÉÉäÊvÉiÉ fÉÃÆSÉÉ Eäò ºÉÆEò±{É ºÉƤÉÆvÉÒ ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò Eäò Note: In terms of RBI guidelines on Resolution of Stressed Assets- Ên¶ÉÉÊxÉnÇ¶É ÊnxÉÉÆEò 12.02.2018 Eäò +xÉÖºÉÉ® BºÉb÷Ò+É®ú ªÉÉäVÉxÉÉ ºÉä ¤Éɽþ®ú º´ÉÉʨÉi´É ¨Éå Revised Framework dated 12.02.2018, Change in Ownership outside {ÉÊ®ú´ÉiÉÇxÉ iÉiEòÉ±É |ɦÉÉ´É ºÉä ´ÉÉ{ÉºÉ ±Éä ʱɪÉÉ MɪÉÉ ½è* +iÉ: º]éõb÷÷ κ]õ±É JÉÆb |ɪÉÉäVªÉ xÉ½Ó SDR Scheme stands withdrawn with immediate effect. Hence, stand ½è* still clause is not applicable. 188 b÷Ò. EòɪÉÉÇx´ÉªÉxÉ Eäò +ÆiÉMÉÇiÉ {ÉÊ®úªÉÉäVÉxÉÉ+Éå Eäò º´ÉÉʨÉi´É ¨Éå {ÉÊ®ú´ÉiÉÇxÉ ºÉƤÉÆvÉÒ |ÉEò]õÒEò®úhÉ (` Eò®úÉäc÷ ¨Éå / ` in crore) D. Disclosures on change in Ownership of Projects under implementation {ÉÊ®úªÉÉäVÉxÉÉ @ñhÉ JÉÉiÉÉå EòÒ ºÉÆJªÉÉ VɽþÉÆ ¤ÉéEò xÉä º´ÉÉʨÉi´É ¨Éå {ÉÊ®ú´ÉiÉÇxÉ Eò®úxÉä EòÉ ÊxÉhÉÇªÉ Ê±ÉªÉÉ ½èþ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ®úÉ榃 No. of project loan accounts where banks Amount outstanding as on the reporting date have decided to effect change in ownership ¨ÉÉxÉEò Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ ¨ÉÉxÉEò {ÉÖxɺÉÈ®úÊSÉiÉ Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ BxÉ{ÉÒB Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ Classified as Standard Classified as standard restructured Classified as NPA ¶ÉÚxªÉ/NIL +|ɪÉÉäVªÉ/NA +|ɪÉÉäVªÉ/NA +|ɪÉÉäVªÉ/NA xÉÉä]: n´ÉɤÉOɺiÉ +ÉʺiÉ-ºÉƶÉÉäÊvÉiÉ fÉÃÆSÉÉ Eäò ºÉÆEò±{É ºÉƤÉÆvÉÒ ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò Eäò Ên¶ÉÉÊxÉnÇ¶É Note: In terms of RBI guidelines on Resolution of Stressed Assets- ÊnxÉÉÆEò 12.02.2018 Eäò +xÉÖºÉÉ® BºÉb÷Ò+É®ú ªÉÉäVÉxÉÉ ºÉä ¤Éɽþ®ú º´ÉÉʨÉi´É ¨Éå {ÉÊ®ú´ÉiÉÇxÉ iÉiEòÉ±É |ɦÉÉ´É Revised Framework dated 12.02.2018, Change in Ownership outside SDR Scheme stands withdrawn with immediate effect. Hence, stand ºÉä ´ÉÉ{ÉºÉ ±Éä ʱɪÉÉ MɪÉÉ ½è* +iÉ: º]éõb÷÷ κ]õ±É JÉÆb |ɪÉÉäVªÉ xÉ½Ó ½è* still clause is not applicable. <Ç.31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ nù¤ÉÉ´ÉOɺiÉ +ÉκiɪÉÉå EòÒ ºÉiÉiÉ ºÉÆ®úSÉxÉÉ EòÒ ªÉÉäVÉxÉÉ(BºÉ4B) ºÉƤÉÆvÉÒ |ÉEò]õÒEò®úhÉ E. Disclosures on the Scheme for Sustainable Structuring of Stressed Assets (S4A), as on 31.03.2018. (` Eò®úÉäc÷ ¨Éå / ` in crore) vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ JÉÉiÉÉå EòÒ ºÉÆJªÉÉ VɽþÉÆ BºÉ4B ºÉEò±É ¤ÉEòɪÉÉ ®úÉ榃 ºÉÆnùʦÉÇúiÉ ÊiÉÊlÉ EòÉä ¤ÉEòɪÉÉ ®úÉ榃 ±ÉÉMÉÚ ÊEòªÉÉ MɪÉÉ ½èþ Aggregate amount Provision Held Amount outstanding as on outstanding No. of accounts where reference date S4A has been applied ¦ÉÉMÉ Eò ¨Éå ¦ÉÉMÉ JÉ ¨Éå ¨ÉÉxÉEò Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ In Part A In Part B Classified as Standard 498.11 498.11 604.48 368.69 BxÉ{ÉÒB Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ Classified as NPA 277.84 249.89 208.60 175.79

3.4.3 +ÉκiÉ {ÉÖxÉMÉÇ`öxÉ ½äþiÉÖ |ÉÊiɦÉÚÊiÉEò®úhÉ / {ÉÖxÉMÉÇ`öxÉ EÆò{ÉxÉÒ EòÉä ¤ÉäSÉÒ MÉ<Ç Ê´ÉkÉÒªÉ ºÉÆ{ÉÊkɪÉÉå EòÉ Ê´É´É®úhÉ Details of financial assets sold to Securitisation / Reconstruction Company for Asset Reconstruction B/A. Ê´ÉGòªÉ EòÉ Ê´É´É®úhÉ/Details of Sales (` Eò®úÉäc÷ ¨Éå / ` in crore) ¨Énüù/ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Items 2017-18 2016-17

i) JÉÉiÉÉå EòÒ ºÉÆJªÉÉ / No. of Accounts 217 3 ii) BºÉºÉÒ/+É®úºÉÒ EòÉä ¤ÉäSÉä MɪÉä JÉÉiÉÉå EòÉ ºÉEò±É ¨ÉÚ±ªÉ (|ÉÉ´ÉvÉÉxÉ PÉ]õÉEò®ú) Aggregate value (net of provisions) of accounts sold to SC / RC 114.63 52.74 iii) úEÖò±É |ÉÊiÉ¡ò±É/Aggregate consideration 652.18 104.13 iv) Ê´ÉMÉiÉ ´É¹ÉÇ ¨Éå +ÆiÉÊ®úiÉ ÊEòªÉä MɪÉä JÉÉiÉÉå Eäò ¨ÉɨɱÉä ¨Éå ´ÉºÉÚ±ÉÉ MɪÉÉ +ÊiÉÊ®úHò |ÉÊiÉ¡ò±É Additional consideration realised in respect of accounts transferred in earlier years ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL v) ÊxÉ´É±É ¤É½þÒ ¨ÉÚ±ªÉ {É®ú EÖò±É ±ÉɦÉ/½þÉÊxÉ / Aggregate gain/(loss) over net book value 537.55 51.39 ¤ÉÒ/B. |ÉÊiɦÉÚÊiÉ |ÉÉÎ{iɪÉÉå ¨Éå ÊxÉ´Éä¶É Eäò ¤É½þÒ¨ÉÚ±ªÉ EòÉ Ê´É´É®úhÉ /Details of Book Value of Investments in Security Receipts (` Eò®úÉäc÷ ¨Éå / ` in crore) +Æb÷®ú±ÉÉ<ÆMÉ Eäò °ü{É ¨Éå ¤ÉéEò uùÉ®úÉ ¤ÉäSÉä +Æb÷®ú±ÉÉ<ÆMÉ Eäò °ü{É ¨Éå +xªÉ ¤ÉéEòÉå/Ê´ÉkÉÒªÉ ºÉƺlÉÉ+Éå/MÉè®ú ¤ÉéËEòMÉ Ê´ÉkÉÒªÉ EÆò{ÉÊxɪÉÉå uùÉ®úÉò uùÉ®úÉ Ê´É´É®úhÉ MÉB BxÉ{ÉÒB uùÉ®úÉ ºÉ¨ÉÌlÉiÉ Total ¤ÉäSÉä MÉB BxÉ{ÉÒB uùÉ®úÉ ºÉ¨ÉÌlÉiÉ EÖò±É Particulars Backed by NPAs sold by the bank as underlying Backed by NPAs sold by other banks/ financial institutions/ non-banking financial companies as underlying SÉɱÉÚ ´É¹ÉÇ Ê´ÉMÉiÉ ´É¹ÉÇ SÉɱÉÚ ´É¹ÉÇ Ê´ÉMÉiÉ ´É¹ÉÇ SÉɱÉÚ ´É¹ÉÇ Ê´ÉMÉiÉ ´É¹ÉÇ Current Year Previous Year Current Year Previous Year Current Year Previous Year |ÉÊiɦÉÚÊiÉ |ÉÉÎ{iɪÉÉå ¨Éå ÊxÉ´Éä¶É EòÉ ¤É½þÒ ¨ÉÚ±ªÉ 1457.99 ¶ÉÚxªÉ/ ¶ÉÚxªÉ/ 1909.19 1457.99 Book value of 1909.19 NIL NIL investments in security receipts

189 ºÉÒ. |ÉÊiɦÉÚÊiÉ ®úºÉÒnùÉå(BºÉ+É®ú) ¨Éå ÊxÉ´Éä¶É EòÉ Ê´É´É®úhÉ

C. Details of Investment in Security Receipts (SRs) (` Eò®úÉäc÷ ¨Éå) /(` in crore) Ê´É´É®úhÉ Ê´ÉMÉiÉ 5 ´É¹ÉÉç Eäò +Ænù®ú ùVÉÉ®úÒ BºÉ+É®ú 5 ´É¹ÉÇ ºÉä {ɽþ±Éä ËEòiÉÖ 8 ´É¹ÉÉçÆú Eäò +Ænù®ú 8 ´É¹ÉÉç ºÉä +ÊvÉEò {ɽþ±Éä VÉÉ®úÒ BºÉ+É®ú SRs issued within past 5 VÉÉ®úÒ BºÉ+É®ú Particulars SRs issued more than 8 years SRs issued more than 5 years years ago ago but within past 8 years

(i) +Æb÷®ú±ÉÉ<ÆMÉ Eäò °ü{É ¨Éå ¤ÉéEò uùÉ®úÉ ¤ÉäSÉä MÉB BxÉ{ÉÒB uùÉ®úÉ ºÉ¨ÉÌlÉiÉ BºÉ+É®ú EòÉ ¤É½þÒ ¨ÉÚ±ªÉ Book value of SRs backed by 1834.08 3.32 71.79 NPA s sold by the Bank as underlying

(i) Eäò ºÉÉ{ÉäIÉ vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ Provision held against(i) 613.34 1.23 69.05

(ii) +Æb÷®ú±ÉÉ<ÆMÉ Eäò °ü{É ¨Éå +xªÉ ¤ÉéEòÉå/Ê´ÉkÉÒªÉ ºÉƺlÉÉ+Éå/MÉè®ú ¤ÉéËEòMÉ Ê´ÉkÉÒªÉ EÆò{ÉÊxɪÉÉå uùÉ®úÉ ¤ÉäSÉä MÉB BxÉ{ÉÒB uùÉ®úÉ ºÉ¨ÉÌlÉiÉ BºÉ+É®ú EòÉ ¤É½þÒ ¨ÉÚ±ªÉ Book value of SRs backed by ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL NPAs sold by other banks/financial institutions/ non banking financial companies as underlying (ii) Eäò ºÉÉ{ÉäIÉ vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ Provision held against(ii) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

EÖò±É (i)+(ii) /Total (i)+(ii) 1834.08 3.32 71.79

3.4.4 JÉ®úÒnùÒ MÉ<Ç / ¤ÉäSÉÒ MÉ<Ç +xÉVÉÇEò Ê´ÉkÉÒªÉ ºÉÆ{ÉÊkɪÉÉå EòÉ Ê´É´É®úhÉ Details of non-performing financial assets purchased/ sold from/to Banks B. ¤ÉéEòÉäÆ ºÉä JÉ®úÒnùÒ MÉ<Ç +xÉVÉÇEò Ê´ÉkÉÒªÉ +ÉκiɪÉÉÆ/ A. Non-performing financial assets purchased from Banks: (` Eò®úÉäc÷ ¨Éå) /(` in crore) Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars F.Y. 2017-18 F.Y. 2016-17

1. (Eò) ´É¹ÉÇ Eäò nùÉè®úÉxÉ JÉ®úÒnäù MÉB JÉÉiÉä/ (a) No. of accounts purchased during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (JÉ) ºÉEò±É ¤ÉEòɪÉÉ/ (b) Aggregate Outstanding ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 2. (Eò)

1. ¤ÉäSÉä MÉB JÉÉiÉÉå EòÒ ºÉÆJªÉÉ /No of accounts sold ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 2. ºÉEò±É ¤ÉEòɪÉÉ /Aggregate Outstanding ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 3. |ÉÉ{iÉ ºÉEò±É |ÉÊiÉ¡ò±É /Aggregate consideration received ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

190 3.4.5 ¨ÉÉxÉEò +ÉκiɪÉÉå {É®ú |ÉÉ´ÉvÉÉxÉ / Provisions on Standard Asset (` Eò®úÉäc÷ ¨Éå) /(` in crore) Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars 2017-18 2016-17

¨ÉÉxÉEò +ÉκiɪÉÉå Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ (ºÉÆSɪÉÒ) / Provisions towards Standard Assets (Cumulative) 686.40 1385.86 +ÉκiÉ ´ÉMÉÔEò®úhÉ ¨Éå Ê´ÉSɱÉxÉ +Éè®ú BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ 3.4.6 (` Eò®úÉäc÷ ¨Éå) /(` in crore) 3.4.6. Divergence in Asset Classification and Provisioning for NPAs Gò¨É ºÉÆ.

Sl No. Ê´É´É®úhÉ/ Particulars ®úÉʶÉ/ Amount

1 ¤ÉéEò uùÉ®úÉ ªÉlÉÉÊ®ú{ÉÉäÌ]õiÉ 31 ¨ÉÉSÉÇ, 2017* EòÉä ªÉlÉÉκlÉÊiÉ ºÉEò±É BxÉ{ÉÒB Gross NPAs as on March31,2017* as reported by the Bank 20687.83 2 ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ 31 ¨ÉÉSÉÇ, 2017 EòÉä ªÉlÉÉκlÉÊiÉ ºÉEò±É BxÉ{ÉÒB Gross NPAs as on March 31,2017 as assessed by RBI 21765.63 3 ºÉEò±É BxÉ{ÉÒB ¨Éå Ê´ÉSɱÉxÉ (2-1) Divergence in Gross NPAs(2-1) 1077.80 4 ¤ÉéEò uùÉ®úÉ ªÉlÉÉÊ®ú{ÉÉäÌ]õiÉ 31 ¨ÉÉSÉÇ, 2017 EòÉä ªÉlÉÉκlÉÊiÉ ÊxÉ´É±É BxÉ{ÉÒB Net NPAs as on March 31,2017 as reported by the Bank 13433.51 5 ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ 31 ¨ÉÉSÉÇ, 2017 EòÉä ªÉlÉÉκlÉÊiÉ ÊxÉ´É±É BxÉ{ÉÒB Net NPAs as on March 31,2017 as assessed by RBI 14358.91 6 ÊxÉ´É±É BxÉ{ÉÒB ¨Éå Ê´ÉSɱÉxÉ (5-4) Divergence in Net NPAs (5-4) 925.40 7 ¤ÉéEò uùÉ®úÉ ªÉlÉÉÊ®ú{ÉÉäÌ]õiÉ 31 ¨ÉÉSÉÇ, 2017 EòÉä ªÉlÉÉκlÉÊiÉ BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ Provisions for NPAs as on March 31,2017 as reported by the Bank 7254.32 8 ¦ÉÉÊ®ú¤Éé uùÉ®úÉ ªÉlÉÉÊxÉvÉÉÇÊ®úiÉ 31 ¨ÉÉSÉÇ, 2017 EòÉä ªÉlÉÉκlÉÊiÉ BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ Provisions for NPAs as on March 31,2017 as assessed by RBI 7406.72 9 |ÉÉ´ÉvÉÉxÉ ¨Éå Ê´ÉSɱÉxÉ (8-7) Divergence in Provisioning (8-7) 152.40 10 31 ¨ÉÉSÉÇ, 2017 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ Ê®ú{ÉÉä]Çõ ÊEòªÉÉ MɪÉÉ Eò®ú {ɶSÉÉiÉ ÊxÉ´É±É ±ÉÉ¦É Reported Net Profit after Tax (PAT) for the year ended March 31,2017 (313.52) 11 |ÉÉ´ÉvÉÉxÉ ¨Éå Ê´ÉSɱÉxÉ EòÉä ʽþºÉÉ¤É ¨Éå ±ÉäxÉä Eäò ¤ÉÉnù 31 ¨ÉÉSÉÇ, 2017 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ºÉ¨ÉɪÉÉäÊVÉiÉ (Eòα{ÉiÉ) Eò®ú {ɶSÉÉiÉ ÊxÉ´É±É ±ÉÉ¦É Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31, 2017 after taking into account the divergence in provisioning. (465.92)

* 31 ¨ÉÉSÉÇ 2017 ºÉÆnù̦ÉiÉ +´ÉÊvÉ EòÒ ºÉ¨ÉÉÎ{iÉ ½èþ ÊVɺÉEäò ºÉƤÉÆvÉ ¨Éå Ê´ÉSɱÉxÉ EòÉ ÊxÉvÉÉÇ®úhÉ ÊEòªÉÉ MɪÉÉ ½èþ* *March 31,2017 is the close of the reference period in respect of which divergence were assessed. 3.5 ´ªÉ´ÉºÉÉªÉ +xÉÖ{ÉÉiÉ / Business Ratios Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Particulars 2017-18 2016-17 (i) EòɪÉǶÉÒ±É ÊxÉÊvɪÉÉå EòÒ |ÉÊiɶÉiÉiÉÉ Eäò °ü{É ¨Éå ¤ªÉÉVÉ +ÉªÉ Interest Income as a percentage to Working Funds 6.84 7.57 (ii) EòɪÉǶÉÒ±É ÊxÉÊvɪÉÉå EòÒ |ÉÊiɶÉiÉiÉÉ Eäò °ü{É ¨Éå MÉè®ú-¤ªÉÉVÉ +ÉªÉ Non-interest income as a percentage to Working Funds 1.13 1.13 (iii) EòɪÉǶÉÒ±É ÊxÉÊvɪÉÉå EòÒ |ÉÊiɶÉiÉiÉÉ Eäò °ü{É ¨Éå {ÉÊ®úSÉɱÉxÉMÉiÉ ±ÉÉ¦É Operating Profit as a percentage to Working Funds 1.44 1.66 (iv) +ÉκiɪÉÉå {É®ú |ÉÊiÉ¡ò±É / Return on Assets -1.96 % -0.13 % (v) |ÉÊiÉ Eò¨ÉÇSÉÉ®úÒ ´ªÉ´ÉºÉÉªÉ (VɨÉÉ®úÉ榃 iÉlÉÉ +ÊOɨÉ) (` Eò®úÉäc÷ ¨Éå) Business (Deposits plus Advances) per employee (`in Crore) 15.86 15.03 (vi) |ÉÊiÉ Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É (` Eò®úÉäc÷ ¨Éå) / Profit per employee (`in Crore) -0.195 -0.013

191 3.6 +ÉκiÉ näùªÉiÉÉ |ɤÉÆvÉxÉ / Asset Liability Management: +ÉκiɪÉÉå B´ÉÆ näùªÉiÉÉ+Éå EòÒ EòÊiÉ{ÉªÉ ¨ÉnùÉå EòÉ {ÉÊ®ú{ÉC´ÉiÉÉ {Éè]õxÉÇ 31.03.2018 Maturity pattern of certain items of assets and liabilities as on 31.03.2018 (` Eò®úÉäc÷ ¨Éå) /(` in crore) {ÉÊ®ú{ÉC´ÉiÉÉ {Éè]õxÉÇ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ Maturity Pattern Foreign Currency (]õÉ<¨É ¤ÉEäò]õ) VɨÉÉ®úÉʶɪÉÉÄ +ÊOÉ¨É ÊxÉ´Éä¶É =vÉÉ®ú +ÉκiɪÉÉÄ näùªÉiÉÉBÄ (Time buckets) Deposits Advances Investments Borrowings Assets Liabilities 1ÊnùxÉ / Day 1 2220.58 1237.94 19854.22 0.41 196.41 68.53 2 ºÉä 7 ÊnùxÉ / 2 to 7 days 5291.57 1474.67 440.83 8293.26 1892.34 367.55 8 ºÉä 14 ÊnùxÉ / 8 to 14 days 3563.11 560.56 224.59 195.53 1106.88 232.29 15 ºÉä 30 ÊnùxÉ /15 to 30 days 4629.25 980.70 1577.55 228.11 2001.05 1285.57 31ÊnùxÉ ºÉä 2 ¨Éɽþ iÉEò 31 days and upto 2 months 8928.78 1939.63 986.45 642.72 1090.18 1319.77 2 ¨Éɽþ ºÉä +ÊvÉEò +Éè®ú 3 ¨Éɽþ iÉEò More than 2 months and 7803.40 1102.79 1455.36 419.17 815.23 1299.47 upto 3 months 3 ¨Éɽþ ºÉä +ÊvÉEò +Éè®ú 6 ¨Éɽþ iÉEò Over 3 months & upto 6 months 21713.25 15568.07 166.19 542.63 2838.90 2429.47 6 ¨Éɽþ ºÉä +ÊvÉEò +Éè®ú 1 ´É¹ÉÇ iÉEò Over 6 months & upto 1 year 39345.48 12130.34 3313.90 1430.21 998.86 1669.92 1 ´É¹ÉÇ ºÉä +ÊvÉEò +Éè®ú 3 ´É¹ÉÇ iÉEò Over 1 year & upto 3 years 65813.49 48902.31 7466.97 4250.22 6939.39 6098.29 3 ´É¹ÉÇ ºÉä +ÊvÉEò +Éè®ú 5 ´É¹ÉÇ iÉEò Over 3 years & upto 5 years 26728.52 16490.20 4138.85 2898.25 2837.62 2648.19 5 ´É¹ÉÇ ºÉä +ÊvÉEò/Over 5 years 27566.41 51673.53 28089.11 2500.00 417.67 667.36 EÖò±É / Total 213603.83 152060.74 67714.02 21400.52 21134.54 18086.41

3.7 BCºÉ{ÉÉäVÉ®ú / Exposures : 3.7.1 ¦ÉÚºÉÆ{ÉnùÉ IÉäjÉ EòÉä BCºÉ{ÉÉäVÉ® / Exposure to Real Estate Sector (` Eò®úÉäc÷ ¨Éå) /(` in crore)

¸ÉähÉÒ / Category Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2017-18 2016-17 (B) |ÉiªÉIÉ BCºÉ{ÉÉäVÉ®ú / (A) Direct exposure (i) Ê®ú½þɪɶÉÒ ¤ÉÆvÉEò - / Residential Mortgages – =vÉÉ®ú =xÉ Ê®ú½þɪɶÉÒ ºÉÆ{ÉÊkÉ {É®ú ¤ÉÆvÉEò uùÉ®úÉ {ÉÚhÉÇiɪÉÉ |ÉÊiɦÉÚiÉ ½èþ,VÉÉä =vÉÉ®úEòiÉÉÇ Eäò Eò¤VÉä ¨Éå +ÉxÉä ´ÉɱÉÒ ½èþ ªÉÉ ÊEò®úɪÉä {É®ú ½èþ* Lending fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented 12644.83 10048.91 - ÊVɺɨÉå ºÉä |ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ñhÉ +ÊOÉ¨É ¨ÉäÆ ºÉ¨ÉÉ´Éä¶ÉxÉ ½þäiÉÖ {ÉÉjÉ ´ªÉÊHòMÉiÉ +É´ÉÉºÉ @ñhÉ -of which individual housing loans eligible for inclusion in priority sector advance 8352.82 7562.97 (ii) ´ÉÉÊhÉÎVªÉEò ¦ÉÚ-ºÉÆ{ÉnùÉ / Commercial Real Estate – - =vÉÉ®ú ´ÉÉÊhÉÎVªÉEò ¦ÉÚ-ºÉÆ{ÉnùÉ (EòɪÉÉÇ±ÉªÉ ¦É´ÉxÉ, JÉÖnù®úÉ ´ªÉÉ{ÉÉÊ®úEò ºlÉÉxÉ, ¤É½Öþqäù¶ªÉÒªÉ ´ÉÉÊhÉÎVªÉEò {ÉÊ®úºÉ®ú, ¤É½Öþ{ÉÉÊ®ú´ÉÉÊ®úEò Ê®ú½þɪɶÉÒ ¦É´ÉxÉ, ¤É½ÖþÊEò®úɪÉunùÉ®ú ´ÉÉÊhÉÎVªÉEò {ÉÊ®úºÉ®ú, +ÉètÉäÊMÉEò +lÉ´ÉÉ MÉÉänùÉ¨É ºlÉÉxÉ, ½þÉä]õ±É, ¦ÉÚ欃 +ÊvÉOɽþhÉ, Ê´ÉEòÉºÉ B´ÉÆ ÊxɨÉÉÇhÉ +ÉÊnù) {É®ú ¤ÉÆvÉEò uùÉ®úÉ |ÉÊiɦÉÚiÉ ½èþ* BCºÉ{ÉÉäVÉ®ú ¨Éå MÉè®ú-ÊxÉÊvÉ +ÉvÉÉÊ®úiÉ (BxÉB¡ò¤ÉÒ) ºÉÒ¨ÉÉBÄ ¶ÉÉÊ¨É±É ½éþ* Lending secured by mortgages on commercial real estates (office buildings, retail space, multi-purpose commercial premises, multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.). Exposure includes non-fund based (NFB) limits; 2916.71 3019.32

192 (` Eò®úÉäc÷ ¨Éå) /(` in crore)

Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. ¸ÉähÉÒ / Category 2017-18 2016-17

(iii) ¤ÉÆvÉEò uùÉ®úÉ ºÉ¨ÉÌlÉiÉ |ÉÊiɦÉÚÊiɪÉÉå (B¨É¤ÉÒBºÉ) B´ÉÆ +xªÉ |ÉÊiɦÉÚÊiÉEÞòiÉ BCºÉ{ÉÉäVÉ®úÉå ¨Éå ÊxÉ´Éä¶É - Investments in Mortgage Backed Securities (MBS) and other securitised exposures – B. Ê®ú½þɪɶÉÒ / a. Residential ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¤ÉÒ. ´ÉÉÊhÉÎVªÉEò ¦ÉÚ-ºÉÆ{ÉnùÉ / b. Commercial Real Estate. ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (¤ÉÒ) +|ÉiªÉIÉ BCºÉ{ÉÉäVÉ®/B) Indirect Exposure ®úɹ]ÅõÒªÉ +É´ÉÉºÉ ¤ÉéEò (BxÉBSɤÉÒ) B´ÉÆ +É´ÉÉºÉ Ê´ÉkÉ EÆò{ÉÊxɪÉÉå (BSÉB¡òºÉÒ) {É®ú ÊxÉÊvÉ +ÉvÉÉÊ®úiÉ B´ÉÆ MÉè®ú-ÊxÉÊvÉ +ÉvÉÉÊ®úiÉ BCºÉ{ÉÉäVÉ®ú Fund based and non-fund based exposures on National Housing Bank (NHB) and Housing Finance Companies (HFCs). 3203.43 975.83 ¦ÉÚ ºÉÆ{ÉnùÉ IÉäjÉ ¨Éå EÖò±É BCºÉ{ÉÉäVÉ®ú / Total Exposure to Real Estate Sector 18764.97 14044.06

3.7.2 {ÉÚÆVÉÒ ¤ÉÉVÉÉ®ú ¨Éå BCºÉ{ÉÉäVÉ®ú / Exposure to Capital Market (` Eò®úÉäc÷ ¨Éå) /(` in crore) Gò¨É ºÉÆ. / Ê´É´É®úhÉ / Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Sl.No. Particulars 2017-18 2016-17

(I) <ÎC´É]õÒ ¶ÉäªÉ®úÉå, {ÉÊ®ú´ÉiÉÇxÉÒªÉ ¤ÉÉÆb÷Éå/Êb÷¤ÉåSÉ®úÉå iÉlÉÉ <ÎC´É]õÒ =x¨ÉÖJÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷Éå EòÒ ªÉÚÊxÉ]õÉå ¨Éå ÊEòB MÉB |ÉiªÉIÉ ÊxÉ´Éä¶É ÊVÉxÉEòÒ ¨ÉÚ±É ÊxÉÊvÉ +xÉxªÉiÉ: EòÉ®ú{ÉÉä®äú]õ @ñhÉ ¨Éå ÊxÉ´ÉäʶÉiÉ xɽþÓ EòÒ VÉÉiÉÒ*

Direct investment in equity shares, convertible bonds, convertible debentures 1127.35 388.44 and units of equity-oriented mutual funds the corpus of which is not exclusively invested in corporate debt; (ii) <ÎC´É]õÒ ¶ÉäªÉ®úÉå (+É<Ç{ÉÒ+Éä/<ÇBºÉ+Éä{ÉÒBºÉ ºÉʽþiÉ), {ÉÊ®ú´ÉiÉÇxÉÒªÉ ¤ÉÉÆb÷Éå B´ÉÆ Êb÷¤ÉåSÉ®úÉå, <ÎC´É]õÒ =x¨ÉÖJÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷Éå EòÒ ªÉÚÊxÉ]õÉå ¨Éå ÊxÉ´Éä¶É ½äþiÉÖ ´ªÉÊHòªÉÉå EòÉä +|ɱÉäJÉÒ +ÉvÉÉ®ú {É®ú +lÉ´ÉÉ +xªÉ |ÉÊiɦÉÚÊiɪÉÉå +lÉ´ÉÉ ¶ÉäªÉ®ú/¤ÉÉÆb÷/Êb÷¤ÉåSÉ®ú/Eäò ¤Énù±Éä +ÊOɨÉ

Advances against shares /bonds/debentures or other securities or on clean basis ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL to individuals for investment in equity shares(including IPOs/ESOPs), convertible bonds, convertible debentures and units of equity-oriented mutual fund; (III) +xªÉ ÊEòºÉÒ |ɪÉÉäVÉxÉ, VɽþÉÄ |ÉÉlÉʨÉEò |ÉÊiɦÉÚÊiÉ Eäò °ü{É ¨Éå ¶ÉäªÉ®ú +lÉ´ÉÉ {ÉÊ®ú´ÉiÉÇxÉÒªÉ ¤ÉÉÆb÷ +lÉ´ÉÉ {ÉÊ®ú´ÉiÉÇxÉÒªÉ Êb÷¤ÉåSÉ®ú +lÉ´ÉÉ <ÎC´É]õÒ =x¨ÉÖJÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷Éå EòÒ ªÉÚÊxÉ]õ ±ÉÒ VÉÉiÉÒ ½èþ, ½äþiÉÖ +ÊOɨÉ

Advances for any other purpose where shares or convertible bonds or convertible 1.15 0.11 debentures or units of equity-oriented mutual fund are taken as primary security; (IV) ¶ÉäªÉ®úÉå EòÒ ºÉÆ{ÉÉÌ·ÉEò |ÉÊiɦÉÚÊiÉ +lÉ´ÉÉ {ÉÊ®ú´ÉiÉÇxÉÒªÉ ¤ÉÉÆb÷ +lÉ´ÉÉ {ÉÊ®ú´ÉiÉÇxÉÒªÉ Êb÷¤ÉåSÉ®úÉå +lÉ´ÉÉ <ÎC´É]õÒ =x¨ÉÖJÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷ uùÉ®úÉ ®úÊIÉiÉ ºÉÒ¨ÉÉ iÉEò Eäò +xªÉ ÊEòºÉÒ |ɪÉÉäVÉxÉ ½äþiÉÖ +lÉÉÇiÉ VɽþÉÄ |ÉÉlÉʨÉEò |ÉÊiɦÉÚÊiÉ EòÉä UôÉäc÷Eò®ú ¶ÉäªÉ®ú/{ÉÊ®ú´ÉiÉÇxÉÒªÉ ¤ÉÉÆb÷/{ÉÊ®ú´ÉiÉÇxÉÒªÉ Êb÷¤ÉåSÉ®ú/<ÎC´É]õÒ =x¨ÉÖJÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷ +ÊOɨÉÉå EòÉä {ÉÚhÉÇiÉ: Eò´É®ú xɽþÓ Eò®úiÉä ½éþ *

Advances for any other purposes to the extent secured by collateral security of shares ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL or convertible bonds or convertible debentures or units of equity-oriented mutual funds i.e. where the primary security other than shares/convertible bonds/convertible debentures/units of equity-oriented mutual fund does not fully cover the advances; (V) º]õÉìEò ¥ÉÉäEò®úÉå EòÉä |ÉÊiɦÉÚiÉ B´ÉÆ +|ÉÊiɦÉÚiÉ +ÊOÉ¨É iÉlÉÉ º]õÉìEò ¥ÉÉäEò®úÉå B´ÉÆ ¨ÉÉEæò]õ ¨ÉäEòºÉÇ EòÒ +Éä®ú ºÉä VÉÉ®úÒ MÉÉ®ÆúÊ]õªÉÉÄ* Secured and unsecured advances to stock brokers and guarantees issued on 100.25 10.00 behalf of stock brokers and market makers;

193 (` Eò®úÉäc÷ ¨Éå) /(` in crore) Gò¨É ºÉÆ. / Ê´É´É®úhÉ / Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Sl.No. Particulars 2017-18 2016-17

(VI) ºÉƺÉÉvÉxÉ VÉÖ]õÉxÉä EòÒ ºÉƦÉÉ´ÉxÉÉ ¨Éå xÉ<Ç EÆò{ÉÊxɪÉÉå EòÒ <ÎC´É]õÒ ½äþiÉÖ |É´ÉiÉÇEò Eäò +ƶÉnùÉxÉ Eäò ʱÉB EòÉ®ú{ÉÉä®äú]õ EòÉä ¶ÉäªÉ®/¤ÉÉÆb÷/Êb÷¤ÉåSÉ®ú +lÉ´ÉÉ +xªÉ |ÉÊiɦÉÚÊiɪÉÉå Eäò ºÉÉ{ÉäIÉ ºÉƺ´ÉÒEÞòiÉ @ñhÉ +lÉ´ÉÉ ºÉƺ´ÉÒEÞòiÉ ÊxɤÉÈvÉ @ñhÉ* Loans sanctioned to corporate against security of shares/ bonds/ debenture or ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources; (VII) |ÉiªÉÉʶÉiÉ <ÎC´É]õÒ }±ÉÉä/<¶ªÉÚ Eäò ºÉÉ{ÉäIÉ EÆò{ÉÊxɪÉÉå EòÉä {ÉÚ®úEò @ñhÉ Bridge loans to companies against expected equity flows/issues; ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (VIII)¶ÉäªÉ®úÉå EòÉ |ÉÉlÉʨÉEò <¶ªÉÚ +lÉ´ÉÉ {ÉÊ®ú´ÉiÉÇxÉÒªÉ ¤ÉÉÆb÷Éå +lÉ´ÉÉ {ÉÊ®ú´ÉiÉÇxÉÒªÉ Êb÷¤ÉåSÉ®úÉå +lÉ´ÉÉ <ÎC´É]õÒ =x¨ÉÖJÉ ¨ªÉÖSÉÖ+±É ¡Æòb÷Éå EòÒ ªÉÚÊxÉ]õÉå Eäò ºÉƤÉÆvÉ ¨Éå ¤ÉéEòÉå uùÉ®úÉ ±ÉÒ MÉ<Ç ½þɨÉÒnùÉ®úÒ |ÉÊiɤÉrùiÉÉ Underwriting commitments taken up by Banks in respect of primary issue of shares ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL or convertible bonds or convertible debentures or units of equity oriented mutual funds; (IX) ¨ÉÉÌVÉxÉ ]ÅäõËb÷MÉ ½äþiÉÖ º]õÉìEò ¥ÉÉäEò®úÉå EòÉä Ê´ÉkÉ{ÉÉä¹ÉhÉ Financing to stock brokers for margin trading; ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (X) =t¨É {ÉÚÆVÉÒ ÊxÉÊvÉ ({ÉÆVÉÒEÞòiÉ B´ÉÆ MÉè®ú-{ÉÆVÉÒEÞòiÉ nùÉäxÉÉå) Eäò ºÉ¦ÉÒ BCºÉ{ÉÉäVÉ® All exposure to Venture Capital Funds (both registered and unregistered) 5.33 6.60 {ÉÚÆVÉÒ ¤ÉÉVÉÉ®ú EòÉä EÖò±É BCºÉ{ÉÉäVÉ® / Total Exposure to Capital Market 1234.08 405.15

3.7.3 VÉÉäÊJÉ¨É ¸ÉähÉÒ´ÉÉ®ú EÆò]ÅõÒ BCºÉ{ÉÉäVÉ® / Risk Category wise Country Exposure (` Eò®úÉäc÷ ¨Éå) /(` in crore) VÉÉäÊJÉ¨É 31.03.2018 EòÉä 31.03.2018 EòÉä 31.03.2017 EòÉä 31.03.2017 EòÉä ¸ÉähÉÒ BCºÉ{ÉÉäVÉ®ú (ÊxɴɱÉ) vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ BCºÉ{ÉÉäVÉ®ú (ÊxɴɱÉ) vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ Risk Exposure (net) Provision held Exposure (net) Provision held Category as on 31.03.2018 as on 31.03.2018 as on 31.03.2017 as on 31.03.2017 xÉMÉhªÉ/Insignificant 1875.69 ¶ÉÚxªÉ/NIL 1603.33 ¶ÉÚxªÉ/NIL Eò¨É/Low 1038.10 ¶ÉÚxªÉ/NIL 990.11 ¶ÉÚxªÉ/NIL ºÉÉvÉÉ®úhÉiɪÉÉ ÊxɨxÉ/Moderately Low 8.14 ¶ÉÚxªÉ/NIL 29.36 ¶ÉÚxªÉ/NIL ¨ÉvªÉ¨É/Moderate 27.32 ¶ÉÚxªÉ/NIL 69.14 ¶ÉÚxªÉ/NIL ºÉÉvÉÉ®úhÉiɪÉÉ +ÊvÉEò/Moderately High 0.81 ¶ÉÚxªÉ/NIL 0.92 ¶ÉÚxªÉ/NIL +ÊvÉEò/High ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¤É½ÖþiÉ +ÊvÉEò/Very High ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL |ÉÊiɤÉÆÊvÉiÉ/Restricted 16.93 ¶ÉÚxªÉ/NIL 16.39 ¶ÉÚxªÉ/NIL +Éì¡ò-GäòÊb÷]õ/Off-credit ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É/Total 2966.99 ¶ÉÚxªÉ/NIL 2709.25 ¶ÉÚxªÉ/NIL

3.7.4 ¤ÉéEò uùÉ®úÉ +ÊiÉGòʨÉiÉ BEò±É =vÉÉ®úEòiÉÉÇ ºÉÒ¨ÉÉ (BºÉVÉÒB±É), ºÉ¨ÉÚ½þ =vÉÉ®úEòiÉÉÇ ºÉÒ¨ÉÉ (VÉÒ¤ÉÒB±É) EòÉ Ê´É´É®úhÉ : Details of Single Borrower Limit (SGL), Group Borrower Limit (GBL) exceeded by the bank: ´É¹ÉÇ (Ê´ÉkÉÒªÉ ´É¹ÉÇ 2016-17)/ Previous Year (FY 2016-17) ; (` Eò®úÉäc÷ ¨Éå/` in crore) =vÉÉ®úEòiÉÉÇ EòÉ xÉÉ¨É BEò±É ÊxÉ´Éä¶É ºÉÒ¨ÉÉ (¨ÉÉèVÉÚnùÉ) ºÉƺ´ÉÒEÞòiÉ ºÉÒ¨ÉÉ 31.03.2017 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ ¶Éä¹É Name of Borrower Single Exposure Limit (Existing) Sanctioned Limit Outstanding Balance as on 31.03.2017 ¨Éä. +ÉäBxÉVÉÒºÉÒ {Éä]ÅõÉä Bb÷Ò¶ÉÆºÉ Ê±É. B¡ò¤ÉÒ BxÉB¡ò¤ÉÒ EÖò±É B¡ò¤ÉÒ BxÉB¡ò¤ÉÒ EÖò±É B¡ò¤ÉÒ BxÉB¡ò¤ÉÒ EÖò±É M/s ONGC Petro FB NFB Total FB NFB Total FB NFB Total Additions Ltd. 2600.00 0.00 2600.00 2645 700 3345 1608.78 105.10 1713.88 xÉÉä]: ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò Eäò Ên¶ÉÉÊxÉnæ¶ÉÉå Eäò +xÉÖºÉÉ® ¤ÉéEò +xÉÖ¨ÉÉänxÉ ºÉä Ê´É´ÉäEò{ÉÚhÉÇ ºÉÒ¨ÉÉ Note: In terms of RBI guidelines, the Bank may permit 5% over and above the prudential limit with the approval. The Board in its meeting ºÉä +ÊvÉEò 5% EòÒ +xÉÖ¨ÉÊiÉ nä ºÉEòiÉÉ ½è* ¤ÉÉäbÇ xÉä 28.09.2016 EòÒ +{ÉxÉÒ ¤Éè`öEò ¨Éå dated 28.09.2016 has approved the above sanction. ={ɪÉÖÇCiÉ ºÉƺ´ÉÒEÞòÊiÉ EòÉä +xÉÖ¨ÉÉäÊniÉ ÊEòªÉÉ ½è*

194 SÉɱÉÚ ´É¹ÉÇ (Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18)/ Current Year (FY 2017-18) ; (` Eò®úÉäc÷ ¨Éå) /(` in crore) =vÉÉ®úEòiÉÉÇ EòÉ xÉÉ¨É BEò±É ÊxÉ´Éä¶É ºÉÒ¨ÉÉ ºÉƺ´ÉÒEÞòiÉ ºÉÒ¨ÉÉ 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ Name of Borrower (¨ÉÉèVÉÚnùÉ) Sanctioned Limit ¤ÉEòɪÉÉ ¶Éä¹É Single Exposure Limit Outstanding Balance as on (Existing) 31.03.2018 1. ¨Éä. +ÉäBxÉVÉÒºÉÒ {Éä]ÅõÉä Bb÷Ò¶ÉÆºÉ Ê±É. B¡ò¤ÉÒ BxÉB¡ò¤ÉÒ EÖò±É B¡ò¤ÉÒ BxÉB¡ò¤ÉÒ EÖò±É B¡ò¤ÉÒ BxÉB¡ò¤ÉÒ EÖò±É M/s ONGC Petro FB NFB Total FB NFB Total FB NFB Total Additions Ltd. 2680.00 0.00 2680.00 2582.73 200 2782.73 1516.53 169.09 1685.62

2.

M/s HPCL Mittal Energy Ltd 2680.00 0.00 2680.00 2430.00 400.00 2830.00 0.00 2.96 2.96

xÉÉä]: ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò Eäò Ên¶ÉÉÊxÉnæ¶ÉÉå Eäò +xÉÖºÉÉ® ¤ÉéEò +xÉÖ¨ÉÉänxÉ ºÉä Ê´É´ÉäEò{ÉÚhÉÇ ºÉÒ¨ÉÉ Note: In terms of RBI guidelines, the Bank may permit 5% over and ºÉä +ÊvÉEò 5% EòÒ +xÉÖ¨ÉÊiÉ nä ºÉEòiÉÉ ½è* ¤ÉÉäbÇ xÉä 22.03.2018 EòÒ +{ÉxÉÒ ¤Éè`öEò ¨Éå above the prudential limit with the approval. The Board in its meeting ={ɪÉÖÇCiÉ ºÉƺ´ÉÒEÞòÊiÉ EòÉä +xÉÖ¨ÉÉäÊniÉ ÊEòªÉÉ ½è* dated 22.03.2018 has approved the above sanction.

3.7.5 +|ÉÊiɦÉÚiÉ +ÊOɨÉ/ Unsecured Advance (` Eò®úÉäc÷ ¨Éå) /(` in crore)

Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Particulars 2017-18 2016-17 B/a) EÖò±É +|ÉÊiɦÉÚiÉ +ÊOÉ¨É / Total Unsecured Advances 27236.82 18125.45

¤ÉÒ/b) <ºÉ¨Éå ºÉä +¨ÉÚiÉÇ |ÉÊiɦÉÚÊiɪÉÉå uùÉ®úÉ ºÉ¨ÉÌlÉiÉ +ÊOÉ¨É VÉèºÉä +ÊvÉEòÉ®úÉå {É®ú |ɦÉÉ®ú, +xÉÖYÉÎ{iɪÉÉÆ, |ÉÉÊvÉEòÉ®ú +ÉÊnù

Of which advances backed by intangible securities such as charge

over rights, licenses, authority etc. ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

3.8 Ê´ÉÊ´ÉvÉ / Miscellaneous 3.8.1 ´É¹ÉÇ Eäò nùÉè®úÉxÉ +ɪÉEò®ú ½äþiÉÖ ÊEòªÉä MɪÉä |ÉÉ´ÉvÉÉxÉ EòÒ ®úÉ榃 / Amount of Provisions made for Income tax during the year

(` Eò®úÉäc÷ ¨Éå) /(` in crore)

Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Particulars 2017-18 2016-17 +ɪÉEò®ú ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision for Income Tax 4.13 387.99

+ɺlÉÊMÉiÉ Eò®ú ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision for Deferred Tax (1321.04) (679.18)

3.8.2 ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò uùÉ®úÉ ±ÉMÉɪÉÉ MɪÉÉ +lÉÇnÆùb: 3.8.2. Penalties imposed by RBI: Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéËEòMÉ Ê´ÉÊxÉªÉ¨É +ÊvÉÊxÉªÉ¨É 1949 EòÒ During the Financial Year 2017-18, the Bank has not been +{ÉäIÉÉ+Éå EòÉ =±±ÉÆPÉxÉ Eò®úxÉä +lÉ´ÉÉ =ºÉEòÉ +xÉÖ{ÉɱÉxÉ xÉ Eò®úxÉä Eäò EòÉ®úhÉ subjected to any penalty for contravention or non compliance ¤ÉéEò {É®ú EòÉä<Ç +lÉÇnÆùb÷ xɽþÓ ±ÉMÉɪÉÉ MɪÉÉ ½èþ* with any requirement of the Banking Regulation Act, 1949.

4. ±ÉäJÉÉ ¨ÉÉxÉEòÉå Eäò +xÉÖºÉÉ®ú |ÉEò]õÒEò®úhÉ +{ÉäIÉÉBÆ VɽþÉÄ ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ 4. Disclosure Requirements as per Accounting ¤ÉéEò xÉä ‘±ÉäJÉÉ Ê]õ{{ÉhÉÒ’ ½äþiÉÖ |ÉEò]õÒEò®úhÉ ¨ÉnùÉå EòÒ ¤ÉɤÉiÉ Ênù¶ÉÉÊxÉnæù¶É Standards where R.B.I has issued guidelines in VÉÉ®úÒ ÊEòB ½éþþ: respect of disclosure items for ‘Notes to Accounts’:

195 4.1 ±ÉäJÉÉ ¨ÉÉxÉEò 5 ‘+´ÉÊvÉ ½äþiÉÖ ÊxÉ´É±É ±ÉÉ¦É +lÉ´ÉÉ ½þÉÊxÉ, {ÉÚ´ÉÇ +´ÉÊvÉ 4.1. Accounting Standard 5- Net Profit or Loss for the ¨Énåù +Éè®ú ±ÉäJÉÉ xÉÒÊiɪÉÉå ¨Éå {ÉÊ®ú´ÉiÉÇxÉ’: period, prior period items and changes in accounting policies: {ÉÚ´ÉÇ +´ÉÊvÉ ºÉä ºÉƤÉÆÊvÉiÉ +ÉªÉ +Éè®ú ´ªÉªÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ: Income and Expenditure relating to prior period are as under: (` Eò®úÉäc÷ ¨Éå)/(` in crore)

Ê´É´É®úhÉ/Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 +ɪÉ/Income (0.55) (1.06) ´ªÉªÉ/Expenditure 1.48 0.11 ÊxÉ´É±É +ɪÉ/(´ªÉªÉ)/Net Income/(Expenditure) (2.03) (1.17)

{Éè®É ºÉÆ. 22(i) ¨Éå ªÉlÉÉ =ʱ±ÊJÉiÉ ºÉƶÉÉäÊvÉiÉ ±ÉäJÉÉ ¨ÉÉxÉEò ‘ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ There is change in accounting policy with respect to +Éè® ={ÉEò®úhÉ’ Eäò +xÉÖºÉÉ® ¨ÉÚ±ªÉ¿ÉºÉ Eäò ±ÉäJÉÉ Eäò ºÉƤÉÆvÉ ¨Éå ±ÉäJÉÉ xÉÒÊiÉ ¨Éå accounting of depreciation as per Revised AS 10 {ÉÊ®´ÉiÉÇxÉ ½Ö+É ½è* 'Property, Plant and Equipment' as detailed in Para No.2.2 (i). 4.2. ®úÉVɺ´É +ʦÉYÉÉxÉ Eäò ºÉƤÉÆvÉ ¨Éå BBºÉ 9 Eäò +ÆiÉMÉÇiÉ xÉEònùÒ +ÉvÉÉ®ú 4.2. Income items recognised on cash basis (other than {É®ú +ʦÉYÉÉiÉ +ÉªÉ ¨Énåù (MÉè®ú Êxɹ{ÉÉnùEò +ÉκiɪÉÉå +Éè®ú ÊxÉ´Éä¶ÉÉå {É®ú income on non performing assets and investments) were |ÉÉ{iÉ +ÉªÉ ºÉä

(¤ÉÒ) ¦ÉÉ®úiÉÒªÉ ¤ÉÒ¨ÉÉÆEòEò ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ VÉÒBxÉ 26 Eäò (b) Guidelines GN 26 issued by The Institute of Ênù¶ÉÉÊxÉúnæù¶ÉÉå Eäòú +xÉÖºÉÉ®ú +xÉÖ¨ÉÉäÊnùiÉ ¤ÉÒ¨ÉÉÆEòEò uùÉ®úÉ ¤ÉÒ¨ÉÉÆEòxÉ Actuaries of India. ¨ÉÚ±ªÉÉÆEòxÉ Eäò +ÉvÉÉ®ú {É®ú +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É Eäò ±ÉäJÉÉ EòÉ |ÉEò]õÒEò®úhÉ [ BBºÉ-15 Eäò +xÉÖºÉÉ® ú(ºÉ¨ÉÒÊIÉiÉ)] Disclosure on accounting of employee benefits [as per AS-15 (revised)] ¤ÉÒ¨ÉÉÆEòEò +xÉÖ¨ÉÉxÉ / Actuarial assumptions

Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded MÉè®ú-ÊxÉÊvɤÉrù / Non-funded {Éå¶ÉxÉ OÉäSªÉÖ]õÒ +´ÉEòÉ¶É B±ÉB¡òºÉÒ (B¤ÉÒ<{ÉÒ+É®ú) Gratuity xÉEònùÒEò®úhÉ LFC Pension Leave (ABEPR) Encashment FY 2017-18 FY 2016-17 FY 2017-18 FY 2016-17 FY 2017-18 FY 2016-17 FY 2017-18 FY 2016-17 Ê®úªÉɪÉiÉÒ nù®ú /Discount Rate 7.50% 7.00% 7.50% 7.00% 7.50% 7.00% 7.50% 7.00% ´ÉäiÉxÉ EòÒ ¤ÉgøiÉÒ nù® Salary Escalation Rate 6.00% 6.00% 6.00% 6.00% 6.00% 6.00% NA NA ¿ÉºÉ nù® (|É.´É.)ú / Attrition Rate (p.a.) 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% ªÉÉäVÉxÉÉ +ÉκiɪÉÉå {É®ú +ÉªÉ EòÒ |ÉiªÉÉʶÉiÉ nù®ú Expected Rate of Return on Plan Assets 7.50% 7.00% 7.50% 7.00% NA NA NA NA

196 B) ¤ÉÉvªÉiÉÉ Eäò ´ÉiÉǨÉÉxÉ ¨ÉÚ±ªÉ ¨Éå {ÉÊ®ú´ÉiÉÇxÉ A) Changes in the present value of Obligation (` Eò®úÉäc÷ ¨Éå) / (` in crore)

Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded MÉè®ú-ÊxÉÊvɤÉrù / Non-funded {Éå¶ÉxÉ +´ÉEòÉ¶É (B¤ÉÒ<{ÉÒ+É®ú) OÉäSªÉÖ]õÒ xÉEònùÒEò®úhÉ B±ÉB¡òºÉÒ Pension Gratuity Leave LFC (ABEPR) Encashment

B) ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå {ÉÒ´ÉÒ+Éä C.Y. 5770.81 929.57 507.82 147.34 a) PVO at the beginning of the year P.Y. 5207.63 863.30 468.01 121.92 ¤ÉÒ) ¤ªÉÉVÉ ±ÉÉMÉiÉ C.Y. 415.72 65.76 37.56 10.80 b) Interest cost P.Y. 349.85 56.44 30.97 7.47 ºÉÒ) SÉɱÉÚ ºÉä´ÉÉ ±ÉÉMÉiÉ C.Y. 610.10 127.16 92.14 0.00 c) Current Service Cost P.Y. 654.29 52.49 88.43 0.00 b÷Ò) |ÉnùkÉ ±ÉÉ¦É C.Y. 455.82 105.46 13.93 6.77 d) Benefits Paid P.Y. 419.49 114.05 51.28 30.28 <Ç) ¤ÉÉvªÉiÉÉ {É®ú ¤ÉÒ¨ÉÉÆEòEò ½þÉÊxÉ/(±ÉɦÉ) C.Y. (305.44) (35.11) (112.93) 10.17 e) Actuarial Loss/ (Gain) on Obligation P.Y. (21.47) 71.39 (28.31) 48.22 B¡ò) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå {ÉÒ´ÉÒ+Éä C.Y. 6035.37 981.92* 510.66 161.54 f) PVO at the close of the year P.Y. 5770.81 929.57 507.82 147.34

C.Y. - SÉɱÉÚ ´É¹ÉÇ /Current Year P.Y. - MÉiÉ ´É¹ÉÇ /Previous Year

* MÉVÉ] +ÊvɺÉÚSÉxÉÉ ÊnxÉÉÆEò 29.03.2018 Eäò ºÉÉlÉ {ÉÊ`öiÉ OÉäSªÉÖ]Ò ¦ÉÖMÉiÉÉxÉ * As per amendment to Payment of Gratuity Act,1972 read +ÊvÉÊxɪɨÉ, 1972 ¨Éå ºÉƶÉÉävÉxÉ Eäò +xÉÖºÉÉ® OÉäSªÉÖ]Ò EòÒ ºÉÒ¨ÉÉ 29.03.2018 with Gazette notification dated 29.03.2018 the Gratuity ceiling has been increased from `10 lakh to `20 lakh with effect from ºÉä `10 ±ÉÉJÉ ºÉä ¤ÉgÉEò® `20 ±ÉÉJÉ EòÒ MÉ<Ç ½è ÊVɺɺÉä `43.10 Eò®Éäc ` EòÒ +ÊiÉÊ®CiÉ näªÉiÉÉ +ÉxÉ {ÉcÒ ½è* ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò xÉä ÊnxÉÉÆEò 29.03.2018 for which an additional liability comes to 43.10 27 crore. Reserve Bank of India has accorded their approval vide +|Éè±É, 2018 Eäò +{ÉxÉä {ÉjÉ ºÉÆ. bÒ¤ÉÒ+É®.¤ÉÒ{ÉÒ.9730/21/21.04.2018/ letter no.DBR.BP.9730/21/21.04.2018/2017-18 dated 27th April, 2017-18 Eäò iɽiÉ <ºÉ ´ªÉªÉ EòÉä 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ºÉä 2018, to spread the expenditure involved over four quarters SÉÉ® ÊiɨÉÉʽªÉÉå ¨Éå ʴɺiÉÉÊ®iÉ Eò®xÉä EòÒ +xÉÖ¨ÉÊiÉ nä nÒ ½è* iÉnxÉÖºÉÉ®, 31 beginning with the quarter ended 31st March, 2018. Accordingly, `10.78 crore provision has been provided in the ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ¨Éå `10.78 Eò®Éäc EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ quarter ended 31.03.2018 and rest `32.32 crore will be MɪÉÉ ½è* ¶Éä¹É `32.32 Eò®Éäc EòÒ ®É榃 EòÉä +MɱÉÒ iÉÒxÉ ÊiɨÉÉʽªÉÉå VÉÚxÉ, ( amortized proportionately in next three quarters (June 2018, 2018, ʺÉiɨ¤É®, 2018 +Éè® ÊnºÉ¨¤É®, 2018) ¨Éå ºÉ¨ÉÉxÉÖ{ÉÉʨÉEò °ü{É ºÉä September 2018 and December 2018). {ÉÊ®¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉBMÉÉ*

197 ¤ÉÒ) ªÉÉäVÉxÉÉ ºÉÆ{ÉÊkɪÉÉå Eäò =ÊSÉiÉ ¨ÉÚ±ªÉ ¨Éå {ÉÊ®ú´ÉiÉÇxÉ / B) Changes in the Fair Value of Plan Assets (` Eò®úÉäc÷ ¨Éå) / (` in crore) Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded {Éå¶ÉxÉ (B¤ÉÒ<{ÉÒ+É®ú) OÉäSªÉÖ]õÒ Pension Gratuity (ABEPR) B) ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå ªÉÉäVÉxÉÉ +ÉκiɪÉÉå EòÉ =ÊSÉiÉ ¨ÉÚ±ªÉ a) Fair Value of Plan Assets at the C.Y. 5769.63 965.79 beginning of year P.Y. 5211.15* 858.56*

¤ÉÒ) ªÉÉäVÉxÉÉ +ÉκiɪÉÉå ºÉä |ÉiªÉÉʶÉiÉ |ÉÊiÉ¡ò±É C.Y. 432.72 72.43 b) Expected return of Plan Assets P.Y. 364.78 60.10

ºÉÒ) ÊxɪÉÉäHòÉ EòÉ +ƶÉnùÉxÉ C.Y. 131.16 0.00 c) Employer’s Contribution P.Y. 480.50 138.11

b÷Ò) |ÉnùkÉ ±ÉÉ¦É C.Y. 455.82 105.46 d) Benefits Paid P.Y. 419.49 114.05 <Ç) ¤ÉÒ¨ÉÉÆEòEò (½þÉÊxÉ)/±ÉÉ¦É C.Y. 57.96 6.06 e) Actuarial (Loss)/Gain P.Y. 133.12 22.47 B¡ò) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå +ÉκiɪÉÉå EòÉ =ÊSÉiÉ ¨ÉÚ±ªÉ f) Fair Value of Plan Assets at the C.Y. 5935.64 938.82 close of year (a+b+c+d+e-f) P.Y. 5769.63 965.19

VÉÒ) ªÉÉäVÉxÉÉ +ÉκiɪÉÉå {É®ú ´ÉɺiÉÊ´ÉEò |ÉÊiÉ¡ò±É C.Y. 488.97 78.96 g) Actual return on Plan Assets P.Y. 510.36 73.00

* ºÉƤÉÆÊvÉiÉ xªÉÉºÉ ÊxÉÊvÉ Eòä ±ÉäJÉÉ{É®úÒÊIÉiÉ +ÉÆEòcä÷/*Audited Figure of the concerned Trust Fund C.Y. - SÉɱÉÚ ´É¹ÉÇ /Current Year ºÉÒ) ÊxÉ´É±É ¤ÉÒ¨ÉÉÆEòEò ½þÉÊxÉ / (±ÉÉ¦É ) / C) Net Actuarial Loss / (Gain) P.Y. - MÉiÉ ´É¹ÉÇ /Previous Year (` Eò®úÉäc÷ ¨Éå) / (` in crore) Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded MÉè®ú-ÊxÉÊvɤÉrù / Non-funded {Éå¶ÉxÉ +´ÉEòÉ¶É (B¤ÉÒ<{ÉÒ+É®ú) OÉäSªÉÖ]õÒ xÉEònùÒEò®úhÉ B±ÉB¡òºÉÒ

Pension Gratuity Leave LFC (ABEPR) Encashment B) ¤ÉÉvªÉiÉÉ {É®ú ¤ÉÒ¨ÉÉÆEòEò ½þÉÊxÉ / (±ÉɦÉ) a) Actuarial loss / (gain) on obligation (A) C.Y. (305.44) (35.11) (112.93) 10.17 P.Y. (21.47) 71.39 (28.31) (48.22) ¤ÉÒ) ªÉÉäVÉxÉÉ +ÉκiɪÉÉå {É®ú ¤ÉÒ¨ÉÉÆEòEò ½þÉÊxÉ/(±ÉɦÉ) b) Actuarial loss / (gain) on Plan assets (B) C.Y. (57.96) (6.06) ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil P.Y. (133.11) (22.47) ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil ºÉÒ) ÊxÉ´É±É ¤ÉÒ¨ÉÉÆEòEò (½þÉÊxÉ)/(±ÉɦÉ) c) Net Actuarial loss / (gain)(a+b) C.Y. (363.40) (41.17) (112.93) 10.17 P.Y. (154.59) 48.91 (28.31) (48.22) b÷Ò) +´ÉÊvÉ ¨Éå +ʦÉYÉÉiÉ ¤ÉÒ¨ÉÉÆEòEò (½þÉÊxÉ)/±ÉÉ¦É d) Actuarial loss / (gain) recognized C.Y. (363.40) (41.17) (112.93) 10.17 in the period P.Y. (154.59) 48.91 (28.31) (48.22) <Ç) +xÉʦÉYÉÉiÉ ¤ÉÒ¨ÉÉÆEòEò ½þÉÊxÉ e) Unrecognised actuarial loss C.Y. ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil P. Y. ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil 198 b÷Ò) iÉÖ±ÉxÉ{ÉjÉ ¨Éå +ʦÉYÉÉiÉ ®úÉ榃 / D) Amount recognized in Balance Sheet (` Eò®úÉäc÷ ¨Éå) / (` in crore)

Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded MÉè®ú-ÊxÉÊvɤÉrù / Non-funded {Éå¶ÉxÉ +´ÉEòÉ¶É (B¤ÉÒ<{ÉÒ+É®ú) OÉäSªÉÖ]õÒ xÉEònùÒEò®úhÉ B±ÉB¡òºÉÒ Pension Gratuity Leave LFC (ABEPR) Encashment B) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå {ÉÊ®ú¦ÉÉʹÉiÉ ±ÉÉ¦É ¤ÉÉvªÉiÉÉ EòÉ ´ÉiÉǨÉÉxÉ ¨ÉÚ±ªÉ a) Present value of defined benefit C.Y. 6035.37 981.92* 510.66 161.54 obligation at the end of the Year P.Y. 5770.81 929.57 507.82 147.34 PÉ]õÉBÆ :/Less: ¤ÉÒ) ´É¹ÉÇ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú ªÉÉäVÉxÉÉ +ÉκiɪÉÉå EòÉ =ÊSÉiÉ ¨ÉÚ±ªÉ b) Fair value of Plan Assets at C.Y. 5935.64 938.82 ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil close of the Year P.Y. 5770.06 965.19 ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil ºÉÒ)iÉÖ±ÉxÉ {ÉjÉ ¨Éå +ʦÉYÉÉiÉ MÉè®ú-ÊxÉÊvɤÉr ÊxÉ´É±É näùªÉiÉÉ /(+ÉκiÉ) c) Unfunded Net Liability/ (Asset) C.Y. 99.73 43.10* 510.66 161.54 recognized in Balance Sheet P.Y. 0.75 (35.62) 507.82 147.34

C.Y. - SÉɱÉÚ ´É¹ÉÇ /Current Year P.Y. - MÉiÉ ´É¹ÉÇ /Previous Year

* MÉVÉ] +ÊvɺÉÚSÉxÉÉ ÊnxÉÉÆEò 29.03.2018 Eäò ºÉÉlÉ {ÉÊ`öiÉ OÉäSªÉÖ]Ò ¦ÉÖMÉiÉÉxÉ * As per amendment to Payment of Gratuity Act,1972 read with Gazette notification dated 29.03.2018 the Gratuity ceiling +ÊvÉÊxɪɨÉ, 1972 ¨Éå ºÉƶÉÉävÉxÉ Eäò +xÉÖºÉÉ® OÉäSªÉÖ]Ò EòÒ ºÉÒ¨ÉÉ 29.03.2018 has been increased from `10 lakh to `20 lakh with effect from ºÉä `10 ±ÉÉJÉ ºÉä ¤ÉgÉEò® `20 ±ÉÉJÉ EòÒ MÉ<Ç ½è ÊVɺɺÉä `43.10 Eò®Éäc 29.03.2018 for which an additional liability comes to `43.10 EòÒ +ÊiÉÊ®CiÉ näªÉiÉÉ +ÉxÉ {ÉcÒ ½è* ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò xÉä ÊnxÉÉÆEò 27 crore. Reserve Bank of India has accorded their approval vide +|Éè±É, 2018 Eäò +{ÉxÉä {ÉjÉ ºÉÆ. bÒ¤ÉÒ+É®.¤ÉÒ{ÉÒ.9730/21/21.04.2018/ letter no.DBR.BP.9730/21/21.04.2018/2017-18 dated 27th April, 2017-18 Eäò iɽiÉ <ºÉ ´ªÉªÉ EòÉä 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ºÉä 2018, to spread the expenditure involved over four quarters SÉÉ® ÊiɨÉÉʽªÉÉå ¨Éå ʴɺiÉÉÊ®iÉ Eò®xÉä EòÒ +xÉÖ¨ÉÊiÉ nä nÒ ½è* iÉnxÉÖºÉÉ®, 31 beginning with the quarter ended 31st March, 2018. Accordingly, `10.78 crore provision has been provided in the quarter ended ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ¨Éå `10.78 Eò®Éäc EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ 31.03.2018 and rest `32.32 crore will be amortized MɪÉÉ ½è* ¶Éä¹É `32.32 Eò®Éäc EòÒ ®É榃 EòÉä +MɱÉÒ iÉÒxÉ ÊiɨÉÉʽªÉÉå (VÉÚxÉ, proportionately in next three quarters (June 2018, September 2018, ʺÉiɨ¤É®, 2018 +Éè® ÊnºÉ¨¤É®, 2018) ¨Éå ºÉ¨ÉÉxÉÖ{ÉÉʨÉEò °ü{É ºÉä 2018 and December 2018). {ÉÊ®¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉBMÉÉ*

199 <Ç) ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå +ʦÉYÉÉiÉ ´ªÉªÉ (` Eò®úÉäc÷ ¨Éå) ` E) Expenses recognized in Profit & Loss account / ( in crore)

Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded MÉè®ú-ÊxÉÊvɤÉrù / Non-funded {Éå¶ÉxÉ +´ÉEòÉ¶É (B¤ÉÒ<{ÉÒ+É®ú) OÉäSªÉÖ]õÒ xÉEònùÒEò®úhÉ B±ÉB¡òºÉÒ Pension Gratuity Leave LFC (ABEPR) Encashment

B) SÉɱÉÚ ºÉä´ÉÉ ±ÉÉMÉiÉ C.Y. 610.10 127.16 92.14 ¶ÉÚxªÉ/Nil a) Current service cost P.Y. 654.29 52.49 88.43 ¶ÉÚxªÉ/Nil ¤ÉÒ) ¤ªÉÉVÉ ±ÉÉMÉiÉ C.Y. 415.72 65.76 37.56 10.80 b) Interest Cost P.Y. 349.85 56.44 30.97 7.47

ºÉÒ) ªÉÉäVÉxÉÉ +ÉκiɪÉÉå {É®ú |ÉiªÉÉʶÉiÉ +ÉªÉ C.Y. 432.72 72.43 ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil c) Expected return on Plan Assets P.Y. 364.78 60.10 ¶ÉÚxªÉ/Nil ¶ÉÚxªÉ/Nil b÷Ò) ´É¹ÉÇ ¨Éå +ʦÉYÉÉiÉ ÊxÉ´É±É ¤ÉÒ¨ÉÉÆEòEò ½þÉÊxÉ/ (+ʦɱÉɦÉ) d) Net actuarial loss / (gain) C.Y. (363.40) (41.17) (112.93) 10.17 recognized in the year P.Y. (154.59) 48.91 (28.31) (48.22) <Ç) ÊxÉ´É±É ±ÉÉ¦É ´ªÉªÉ C.Y. 229.70 79.32 16.77 20.97 e) Net Benefit Expense P.Y. 484.77 97.75 91.09 55.69 B¡ò) iÉÖ±ÉxÉ {ÉjÉ ¨Éå +ʦÉYÉÉiÉ näùªÉiÉÉ+Éå EòÉ ºÉÆSɱÉxÉ (` Eò®úÉäc÷ ¨Éå) / (` in crore) F) Movements in the Liability recognized in the Balance Sheet Ê´É´É®úhÉ / Particulars ªÉÉäVÉxÉÉ EòÉ |ÉEòÉ® / TYPE OF PLAN ÊxÉÊvɤÉrù / Funded MÉè®ú-ÊxÉÊvɤÉrù / Non-funded {Éå¶ÉxÉ +´ÉEòÉ¶É (B¤ÉÒ<{ÉÒ+É®ú) OÉäSªÉÖ]õÒ xÉEònùÒEò®úhÉ B±ÉB¡òºÉÒ

Pension Gratuity Leave LFC (ABEPR) Encashment B) +lÉ ÊxÉ´É±É näùªÉiÉÉ C.Y. 1.18 (36.21) 507.82 147.34 a) Opening Net Liability P.Y. (3.52) 4.74 468.01 121.92 ¤ÉÒ) ÊxÉ´É±É ±ÉÉ¦É ´ªÉªÉ C.Y. 229.70 79.31 16.77 20.97 b) Net Benefit Expense P.Y. 484.77 97.75 91.09 55.69 PÉ]õÉBÆ / Less: ºÉÒ) Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ¦ÉÖMÉiÉÉxÉ /+ƶÉnùÉxÉ EòÒ MÉ<Ç ®úÉ榃 C.Y. 131.16 0.00 13.93 6.77 c) Contribution paid / Amt. paid to employees P.Y. 480.50 138.11 51.28 30.28 b÷Ò) <ÊiÉ ÊxÉ´É±É näùªÉiÉÉ C.Y. 99.73 43.10* 510.66 161.54

d) Closing Net Liability P.Y. 0.75 (35.62) 507.82 147.34 (The excess amount may be retained as provision)

* MÉVÉ] +ÊvɺÉÚSÉxÉÉ ÊnxÉÉÆEò 29.03.2018 Eäò ºÉÉlÉ {ÉÊ`öiÉ OÉäSªÉÖ]Ò ¦ÉÖMÉiÉÉxÉ * As per amendment to Payment of Gratuity Act,1972 read +ÊvÉÊxɪɨÉ, 1972 ¨Éå ºÉƶÉÉävÉxÉ Eäò +xÉÖºÉÉ® OÉäSªÉÖ]Ò EòÒ ºÉÒ¨ÉÉ 29.03.2018 with Gazette notification dated 29.03.2018 the Gratuity ceiling ºÉä `10 ±ÉÉJÉ ºÉä ¤ÉgÉEò® `20 ±ÉÉJÉ EòÒ MÉ<Ç ½è ÊVɺɺÉä `43.10 Eò®Éäc has been increased from `10 lakh to `20 lakh with effect from ` EòÒ +ÊiÉÊ®CiÉ näªÉiÉÉ +ÉxÉ {ÉcÒ ½è* ¦ÉÉ®iÉÒªÉ Ê®VÉ´ÉÇ ¤ÉéEò xÉä ÊnxÉÉÆEò 27 29.03.2018 for which an additional liability comes to 43.10 +|Éè±É, 2018 Eäò +{ÉxÉä {ÉjÉ ºÉÆ. bÒ¤ÉÒ+É®.¤ÉÒ{ÉÒ.9730/21/21.04.2018/ crore. Reserve Bank of India has accorded their approval vide

200 2017-18 Eäò iɽiÉ <ºÉ ´ªÉªÉ EòÉä 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ºÉä letter no.DBR.BP.9730/21/21.04.2018/2017-18 dated 27th April, SÉÉ® ÊiɨÉÉʽªÉÉå ¨Éå ʴɺiÉÉÊ®iÉ Eò®xÉä EòÒ +xÉÖ¨ÉÊiÉ nä nÒ ½è* iÉnxÉÖºÉÉ®, 31 2018, to spread the expenditure involved over four quarters ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ¨Éå `10.78 Eò®Éäc EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ beginning with the quarter ended 31st March, 2018. Accordingly, MɪÉÉ ½è* ¶Éä¹É `32.32 Eò®Éäc EòÒ ®É榃 EòÉä +MɱÉÒ iÉÒxÉ ÊiɨÉÉʽªÉÉå (VÉÚxÉ, `10.78 crore provision has been provided in the quarter ended 2018, ʺÉiɨ¤É®, 2018 +Éè® ÊnºÉ¨¤É®, 2018) ¨Éå ºÉ¨ÉÉxÉÖ{ÉÉʨÉEò °ü{É ºÉä 31.03.2018 and rest `32.32 crore will be amortized {ÉÊ®¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉBMÉÉ* proportionately in next three quarters (June 2018, September 2018 and December 2018). VÉÒ) ]Åõº]õ uùÉ®úÉ ¤ÉxÉÉB ®úJÉä MÉB ÊxÉ´Éä¶É EòÉ |ÉÊiɶÉiÉ G) Investment percentage maintained by the Trust (%¨ÉäÆ)/(in %) Ê´É´É®úhÉ {Éå¶ÉxÉ (B¤ÉÒ<{ÉÒ+É®ú) OÉäSɪÉÖ]õÒ Particulars Pension (ABEPR) Gratuity

Ê´ÉkÉÒªÉ ´É¹ÉÇ / Ê´ÉkÉÒªÉ ´É¹ÉÇ / Ê´ÉkÉÒªÉ ´É¹ÉÇ / Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 F.Y. 2016-17 F.Y. 2017-18 F.Y. 2016-17 Eäòxpù ºÉ®úEòÉ®ú EòÒ |ÉÊiɦÉÚÊiɪÉÉÄ / Central Govt. Securities 11.70 11.91 35.60 31.66 ®úÉVªÉ ºÉ®úEòÉ®ú EòÒ |ÉÊiɦÉÚÊiɪÉÉÄ / State Govt. Securities 52.80 52.45 40.04 38.08 =SSÉ ºiÉ®úÒªÉ EòÉ®ú{ÉÉä®äú]õ ¤ÉÉÆb÷ ({ÉÒBºÉªÉÚ/{ÉÒB¡òºÉÒ) High Quality Corporate Bonds (PSU/PFC) 35.23 35.37 24.23 30.13 ʴɶÉä¹É VɨÉÉ ªÉÉäVÉxÉÉBÄ / Special Deposit Schemes 0.27 0.27 0.13 0.13 +xªÉ ÊxÉ´Éä¶É / Other Investments NA NA NA NA

4.4. ºÉäMɨÉå]õ Ê®ú{ÉÉäÍ]õõMÉ - ±ÉäJÉɨÉÉxÉEò (BBºÉ) 17 “ ºÉäMɨÉå]õ Ê®ú{ÉÉäË]õMÉ” 4.4. Segment Reporting - Accounting Standard (AS) 17 "Segment Reporting" ºÉäMɨÉå]õ ºÉÚSÉxÉÉBÄ ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ ¨Éå ±ÉäJÉÉ-17 ¨ÉÉxÉEò Eäò Segment information is given in the Consolidated {Éè®úÉ 4 Eäò +xÉÖºÉÉ®ú nùÒ MÉ<Ç ½éþèþ* Financial Statement in terms of Para 4 of the AS-17. 4.5. ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®úÉå Eäò |ÉEò]õÒEò®úhÉ - ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 18- 4.5. Related Party Disclosures - Accounting ºÉƤÉÆÊvÉiÉ {ÉÉÌ]õªÉÉå EòÒ ºÉÚSÉÒ B´ÉÆ ±ÉäxÉnäùxÉ: ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®úÉåú Eäò xÉɨÉ, Standard (AS) 18- List of Related Parties and ¤ÉéEò Eäò ºÉÉlÉ =xÉEäò ºÉƤÉÆvÉ +Éè®ú ÊEòB MÉB ±ÉäxÉnäùxÉ- Transactions: The names of the related parties, Eò) |ɨÉÖJÉ |ɤÉÆvÉxÉ EòĘ́ÉEò / their relationship with the bank and transactions a) Key Management Personnel : effected- (` ÖttF bü) / (` in Lac) xÉÉ¨É {ÉnùxÉÉ¨É {ÉÊ®ú±ÉΤvɪÉÉÆ Name Designation Remuneration Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2017-18 2016-17 1 ¸ÉÒ¨ÉiÉÒ =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Smt. Usha Ananthasubramanian Managing Director & CEO 25.37 ¶ÉÚxªÉ/NIL

(ºÉä/From 06.05.2017) 2 ¸ÉÒ BxÉ. Eäò. ºÉɽÚþ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri N.K.Sahoo Executive Director 23.52 22.02 3 ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri S. Harisankar Executive Director 22.27 2.51 ¦ÉÚiÉ{ÉÚ´ÉÇ ÊxÉnäù¶ÉEò /Ex- Directors 1 ¸ÉÒ ®úÉEäò¶É ºÉä`öÒ +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò Shri Rakesh Sethi Chairman & Managing Director 14.43 21.45 (Up to 30.04.2017 iÉEò) 2 ¸ÉÒ VÉä. Eäò. ˺ɽþ JɤÉÇ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri J. K.Singh Kharb Executive Director (Up to 30.06.2016 iÉEò) 5.66 4.52

201 OÉäSªÉÖ]õÒ iÉlÉÉ +´ÉEòÉ¶É xÉEònùÒEò®úhÉ ºÉä ºÉƤÉÆÊvÉiÉ ´ªÉªÉ EòÉ ÊxÉvÉÉÇ®úhÉ ºÉ¨ÉOÉ Expenses towards gratuity and leave encashment are EÆò{ÉxÉÒ Eäò +ÉvÉÉ®ú {É®ú ´ÉÉ̹ÉEò °ü{É ºÉä ¤ÉÒ¨ÉÉÆEòEò |ÉhÉɱÉÒ uùÉ®úÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ determined actuarially on an overall basis annually and iÉlÉÉ iÉnùxÉÖºÉÉ®ú =ºÉä ={ɪÉÖÇHò ºÉÚSÉxÉÉ ¨Éå xɽþÓ Ê±ÉªÉÉ MɪÉÉ ½èþ* accordingly have not been considered in the above information. ºÉƪÉÖHò =t¨É Joint Venture: i) Universal Sompo General Insurance Company Limited. i) ªÉÖÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä VÉxÉ®ú±É

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17 +ÌVÉiÉ +ÉªÉ /Income Earned 17.04 11.81 |ÉnùkÉ ¤ÉÒ¨ÉÉ Ê|ÉÊ¨ÉªÉ¨É / Insurance Premium Paid by the bank 1.48 1.77 ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®úÉå Eäò ºÉƤÉÆvÉ ¨Éå +xªÉ |ÉEò]õÒEò®úhÉ <ºÉ |ÉEòÉ®ú ½éþ: / (` Eò®úÉäc÷ ¨Éå) ` Other Disclosures pertaining to related parties are as under: / ( in Crore) ¨Énù/ºÉƤÉÆÊvÉiÉ {ÉÉ]õÔ {Éä®åú] (º´ÉÉʨÉi´É +xÉÖ¹ÉÆMÉÒ BºÉÉäʺÉB] B´ÉÆ |ɨÉÖJÉ |ɤÉÆvÉxÉ |ɨÉÖJÉ |ɤÉÆvÉxÉ EÖò±É ÊxɪÉÆjÉhÉ Eäò +xÉÖºÉÉ®ú) ºÉƪÉÖHò ={ÉGò¨É EòĘ́ÉEò EòĘ́ÉEò Eäò ºÉƤÉÆvÉÒ Items/Related Party Parent (as Subsidiary Associate/ Key Relatives of Total per joint Management Key ownership ventures Personnel Management control) Personnel 1 2 3 4 5 2+3+4+5 =vÉÉ®ú / Borrowings - - 233.02 - - 233.02 VɨÉÉ®úÉʶɪÉÉÆ / Deposits 893.00 - - - - - VɨÉÉ®úÉʶɪÉÉå EòÉ {±ÉäºÉ¨Éå]õ / Placement of Deposits - 51.87 841.72 0.28 - 893.87 +ÊOÉ¨É / Advances 233.02 - - - - - ÊxÉ´Éä¶É / Investments 0.11 - - 0.11 - 0.11 MÉè®ú ÊxÉÊvÉEò |ÉÊiɤÉrùiÉÉBÆ/ Non-funded commitments ------={ɦÉÉäMÉ EòÒ MÉ<Ç ±ÉÒËVÉMÉ/BSÉ{ÉÒ ´ªÉ´ÉºlÉÉ/ Leasing/HP arrangements availed ------|ÉnùÉxÉ EòÒ MÉ<Ç ±ÉÒËVÉMÉ/BSÉ{ÉÒ ´ªÉ´ÉºlÉÉ/ Leasing/HP arrangements provided ------κlÉ®ú +ÉκiɪÉÉå EòÒ JÉ®úÒn/ù Purchase of fixed assets ------κlÉ®ú +ÉκiɪÉÉå EòÒ Ê¤ÉGòÒ/ Sale of fixed assets ------|ÉnùkÉ ¤ªÉÉVÉ/Interest paid 64.01 - 19.03 - - 19.03 |ÉÉ{iÉ ¤ªÉÉVÉ/Interest received 19.03 3.01 60.99 0.01 - 64.01 ºÉä´ÉÉ |ÉnùÉxÉ Eò®úxÉÉ/Rendering of Services 18.64 - 2.85 - - 2.85 ºÉä´ÉÉ |ÉÉ{iÉ Eò®úxÉÉ/Receiving of Services 2.85 - 18.64 - - 18.64 |ɤÉÆvÉxÉ ºÉÆÊ´ÉnùÉ/Management contracts 2.55 0.25 2.30 - - 2.55 xÉÉä]õ: +É±É ¤ÉéEò ¡òÉ

¨ÉÉèVÉÚnùÉ {É]Âõ]õÉ +´ÉÊvÉ / Existing Lease Period nùäªÉ ®úÉ榃 /Amount Payable

ªÉlÉÉκlÉÊiÉ/ As on 31.03.2018 ªÉlÉÉκlÉÊiÉ / As on 31.03.2017

BEò ´É¹ÉÇ ºÉä +xÉÊvÉEò ú/ Not later than one year 130.58 126.27 BEò ´É¹ÉÇ Eäò ¤ÉÉnù iÉlÉÉ {ÉÉÄSÉ ´É¹ÉÇ ºÉä +xÉÊvÉEò / Later than one year and not later than five years 495.89 425.95 {ÉÉÄSÉ ´É¹ÉÇ Eäò ¤ÉÉnù / Later than five years 377.13 370.58 ii) iÉÖ±ÉxÉ {ÉjÉ EòÒ iÉÉ®úÒJÉ EòÉä ÊxÉ®úºiÉ xÉ Eò®ú ºÉEòxÉä ´ÉɱÉä ={É {É]Âõ]äõ Eäò ii) The total of future minimum sublease payments expected +ÆiÉMÉÇiÉ |ÉÉ{iÉ ÊEòB VÉÉxÉä ´ÉɱÉä |ÉiªÉÉʶÉiÉ ¦ÉÉ´ÉÒ ÊxɨxÉiÉ¨É ={É {É]Âõ]äõ Eäò to be received under non- cancellable subleases at the ¦ÉÖMÉiÉÉxÉÉå EòÉ ªÉÉäMÉ : ¶ÉÚxªÉ (Ê´ÉMÉiÉ ´É¹ÉÇ: ¶ÉÚxªÉ) balance sheet date: NIL(Previous Year: Nil). iii) ºÉƤÉÆÊvÉiÉ +´ÉÊvÉ ½äþiÉÖ ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ EòÒ Ê´É´É®úhÉÒ ¨Éå +ʦÉYÉÉiÉ {É]Âõ]äõ iii) Lease payments recognized in the statement of profit and ¦ÉÖMÉiÉÉxÉ : `201.08 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `188.74 Eò®úÉäc÷) loss for the period: `201.08 Crore (previous year `188.74 Crore) iv) ºÉƤÉÆÊvÉiÉ +´ÉÊvÉ ½äþiÉÖ ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ EòÒ Ê´É´É®úhÉÒ ¨Éå +ʦÉYÉÉiÉ |ÉÉ{iÉ iv) Sub-lease payments received (or receivable) recognised (+lÉ´ÉÉ |ÉÉ{ªÉ) ={É-{É]Âõ]äõ Eäò ¦ÉÖMÉiÉÉxÉ :¶ÉÚxªÉ (Ê´ÉMÉiÉ ´É¹ÉÇ: ¶ÉÚxªÉ) in the statement of profit and loss for the period: NIL (Previous Year: Nil). ¤ÉÒ) Ê´ÉkÉÒªÉ {É]Âõ]õÉ : B) Financial Lease: ¤ÉéEò Eäò {ÉÉºÉ Ê´ÉkÉÒªÉ {É]Âõ]äõ Eäò +ÆiÉMÉÇiÉ EòÉä<Ç ºÉ¨{ÉÊkÉ xɽþÓ ½èþ* Bank is not having any assets under Financial Lease.

4.7 |ÉÊiÉ ¶ÉäªÉ®ú +VÉÇxÉ - ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 20 / Earning Per Share – Accounting Standard (AS) 20

Gò¨É ºÉÆ. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Sl. Particulars 2017-18 2016-17 No. B. |ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò B´ÉÆú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ (`) A Basic and Diluted Earning Per Share (`) (59.63) (4.36)

|ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò B´ÉÆ b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ EòÒ MÉhÉxÉÉ / Calculation of Basic and Diluted Earning Per Share

Gò¨É ºÉÆ. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. Sl. Particulars 2017-18 2016-17 No. B. <ÎC´É]õÒ ¶ÉäªÉ®úvÉÉ®úEòÉå EòÉä ´É¹ÉÇ ½äþiÉÖ |ÉnùÉxÉ ÊEòªÉÉ stlu ´ÉɱÉÉ ÊxÉ´É±É ±ÉÉ¦É (` Eò®úÉäc÷ ¨Éå) A Net Profit for the year attributable to Equity Share holders (` in Crores) (4674.37) (313.51) ¤ÉÒ. <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÒ ¦ÉÉÊ®úiÉ +ÉèºÉiÉ ºÉÆJªÉÉ B Weighted average number of Equity Shares 78,38,74,547 71,86,46,131 ºÉÒ. |ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò B´ÉÆ b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ (B/¤ÉÒ) (`) C Basic and Diluted Earning per Share (A/B) (`) (59.63) (4.36) b÷Ò. |ÉÊiÉ ¶ÉäªÉ®ú xÉÉäʨÉxÉ±É ¨ÉÚ±ªÉ (`) D Nominal Value per share (`) 10.00 10.00

203 4.8. +ÉªÉ {É®ú Eò®ú ½äþiÉÖ ±ÉäJÉÉ - ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 22 4.8. Accounting for Taxes on Income: Accounting Stan- dard (AS) 22 ´É¹ÉÇ Eäò nùÉè®úÉxÉ +ɺlÉÊMÉiÉ Eò®ú ºiÉ®ú Eäò ºÉ¨ÉɪÉÉäVÉxÉ Eäò °ü{É ¨Éå During the year, an amount of `1321.04 Crore has been `1321.04 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `679.19 Eò®úÉäc) EòÉä ±ÉÉ¦É B´ÉÆ credited (Previous year `679.19 Crore) to the Profit & ½þÉÊxÉ JÉÉiÉä ¨Éå VɨÉÉ Ê±ÉJÉÉ MɪÉÉ* iÉÖ±ÉxÉ {ÉjÉ EòÒ iÉÉ®úÒJÉ EòÉä ªÉlÉÉκlÉÊiÉ Loss Account by way of adjustment of deferred tax. The +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉå/näùªÉiÉÉ+Éå Eäò ¨ÉÖJªÉ PÉ]õEò iÉÖ±ÉxÉ{ÉjÉ EòÒ major components of Deferred Tax Assets/ Liabilities as ÊiÉÊlÉ Eäò +xÉÖºÉÉ®ú ÊxɨxÉ´ÉiÉ ½èþ: on Balance Sheet date are as under: (` Eò®úÉäc÷ ¨Éå) / (` in crore) Ê´É´É®úhÉ ºÉ¨ÉɪÉÉäVÉxÉ ´É¹ÉÇ Eäò |ÉÉ®ú¨¦É ¨Éå VÉÉäc÷äÆ/(PÉ]õÉBÆ) ´É¹ÉÇ EòÒ ºÉ¨ÉÉÊ{iÉ {É®ú Particulars At the beginning Adjustment At the close of of the Year Add / (Less) the year

Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÄ +´ÉEòÉ¶É xÉEònùÒEò®úhÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ Deferred Tax Assets Provision for Leave Encashment 119.16 105.38 0.98 13.78 120.14 119.16 B¡ò+É<Ç]õÒB±É ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/ Provision For FITL 191.75 290.71 (100.38) (98.96) 91.37 191.75 +¶ÉÉävªÉ +Éè® ºÉÆÊnMvÉ @hÉÉå ½äiÉÖ |ÉÉ´ÉvÉÉxÉ Provision For Bad & Doubtful Debts 1939.03 1156.80 216.97 782.23 2156.00 1939.03 +ɪÉEò® Eäò +xÉÖºÉÉ® ½ÉÊxÉ Loss as per Income tax ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 1118.19 ¶ÉÚxªÉ/NIL 1118.19 ¶ÉÚxªÉ/NIL EÖò±É /Total 2249.94 1552.89 1235.76 697.05 3485.70 2249.94 +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉBÄ/ Deferred Tax Liabilities ÊxÉ´Éä¶É Eäò °ü{É ¨Éå vÉÉÊ®úiÉ |ÉÊiɦÉÚÊiɪÉÉå {É® ={ÉÊSÉiÉ ËEòiÉÖ +näùªÉ ¤ªÉÉVÉ Interest Accrued but not due on securities held as Investments ¶ÉÚxªÉ/NIL 67.42 0.00 (67.42) 0.00 ¶ÉÚxªÉ/NIL +ɪÉEò®ú +ÊvÉÊxÉªÉ¨É 1961 EòÒ vÉÉ®úÉ 36 (1) (viii) Eäò +ÆiÉMÉÇiÉ Eò]õÉèiÉÒ Eäò EòÉ®úhÉ Ê´É¶Éä¹É |ÉÉ®úÊIÉiÉÒ EòÉä +ÆiÉÊ®úiÉ ®úÉ榃 Amount transferred to Special Reserve on account of deduction under Section 36 (1) (viii) of Income Tax Act,1961 494.94 494.94 0.00 ¶ÉÚxªÉ/NIL 494.94 494.94 vÉÉäJÉÉvÉc÷Ò ½äþiÉÖ +{ÉÊ®ú¶ÉÉäÊvÉiÉ |ÉÉ´ÉvÉÉxÉ/ Depreciation on Investment/ Securities 124.98 124.98 0.00 ¶ÉÚxªÉ/NIL 124.98 124.98 ÊxÉ´Éä¶É/|ÉÊiɦÉÚÊiɪÉÉäÆ {É®ú ¨ÉÚ±ªÉ¿ÉºÉ/ Un amortised Fraud Provision 85.28 0.00 (85.28) 85.28 0.00 85.28 EÖò±É /Total 705.20 687.34 (85.28) 17.86 619.92 705.20 +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉBÆ (ÊxɴɱÉ) / Deferred Tax Liabilities (Net) (1544.74) (865.55) (1321.04) (679.19) (2865.78) (1544.74)

SÉÚÆÊEò ¤ÉéEò EòÉä SÉɱÉÚ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò EòÉä ½þÉÊxÉ ½Öþ<Ç ½èþ As Bank has incurred loss during the current financial year +iÉ: +ɪÉEò®ú +ÊvÉÊxÉªÉ¨É 1961 EòÒ vÉÉ®úÉ 36(1) (viii) Eäò +ÆiÉMÉÇiÉ Ê´É¶Éä¹É 2017-18, hence no amount was transferred to Special Reserve Ê®úVÉ´ÉÇ ¨Éå EòÉä<Ç ®úÉ榃 +ÆiÉÊ®úiÉ xɽþÓ EòÒ MÉ<Ç* under section 36 (1)(viii) of the Income Tax Act, 1961. ¤ÉéEò xÉä MɽxÉ ºÉ¨ÉÒIÉÉ Eäò +ÉvÉÉ® {É® +Éè®ú ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ)22- +ÉªÉ {É®ú The Bank has recognized Deferred Tax Assets of `1118.19 Crore on business loss and unabsorbed depreciation as per Eò®ú ½äþiÉÖ ±ÉäJÉÉÆEòxÉ Eäò +xÉÖºÉÉ®ú Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 ½äiÉÖ ´ªÉ´ÉºÉÉªÉ ½ÉÊxÉ Income Tax Act for the FY 2017-18 based on thorough review {É® `1118.19 Eò®Éäc EòÒ +ɺlÉÊMÉiÉ Eò® +ÉʺiɪÉÉå +Éè® +{ÉÊ®¶ÉÉäÊvÉiÉ and according to Accounting Standard (AS) 22 - Accounting ¨ÉÚ±ªÉ¿ÉºÉ EòÉä +ʦÉYÉÉiÉ ÊEòªÉÉ ½è* for Taxes on Income.

204 +ɪÉEò®ú +ÊvÉÊxÉªÉ¨É 1949 EòÒ vÉÉ®úÉ 145(2) Eäò +ÆiÉMÉÇiÉ 29 ʺÉiɨ¤É®ú Income computation and Disclosure Standards (ICDS) as 2016 EòÉä +ÉªÉ ºÉÆMÉhÉxÉÉ +Éè®ú |ÉEò]õÒEò®úhÉ ¨ÉÉxÉEò (+É<ǺÉÒb÷ÒBºÉ) ªÉlÉÉ|ɪÉÉäVªÉ notified u/s 145(2) of the Income Tax Act, 1961 on 29th EòÉ ú Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 ½äþiÉÖ Eò® ªÉÉäMªÉ +ɪÉ/½ÉÊxÉ EòÒ MÉhÉxÉÉ ½äþiÉÖú September 2016, as applicable, has been followed in {ÉɱÉxÉ ÊEòªÉÉ ½èþ* computation of Taxable Income/ Loss for the financial year 2017-18. 4.9. Discontinuing Operations: Accounting Standard 4.9. ºÉ¨ÉÉ{iÉ {ÉÊ®úSÉɱÉxÉ : ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 24 (AS) 24 ºÉ¨ÉÒIÉÉvÉÒxÉ ´É¹ÉÇ ½äþiÉÖ |ÉEò]õÒEò®úhÉ +{ÉäIÉÉ ±ÉÉMÉÚ xɽþÓ ½èþþ* Disclosure requirement is not applicable for the year under review. 4.10. Ê´ÉkÉÒªÉ +ÉκiɪÉÉå Eäò °ü{É ¨Éå ¤ÉéEò EòÒ +ÉκiɪÉÉå Eäò {ɪÉÉÇ{iÉ +Æ¶É {É®ú 4.10. A substantial portion of the bank's assets comprise of ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 28 ‘<¨{ÉäªÉ®ú¨Éå]õ +Éì¡òò BºÉä]ÂõºÉ’ |ɪÉÉäVªÉ xɽþÓ 'financial assets' to which Accounting Standard (AS) ½èþ* |ɤÉÆvÉxÉ EòÒ ®úÉªÉ ¨Éå =Hò ¨ÉÉxÉEò Eäò +xÉÖºÉÉ®ú 31.03.2018 EòÉä 28 'Impairment of Assets' is not applicable. In the ¤ÉéEò EòÒ +xªÉ +ÉκiɪÉÉå ¨Éå EòÉä<Ç <¨{ÉäªÉ®ú¨Éå]õ xɽþÓ ½èþ +Éè®ú +ʦÉYÉÉxÉ opinion of the management, there is no impairment of other assets of the Bank as on 31.03.2018 to any ½äþiÉÖ +{ÉäÊIÉiÉ EòÉä<Ç ¨É½þi´É{ÉÚhÉÇ Ê´ÉºiÉÉ®ú xɽþÓ ½èþ* material extent requiring recognition in terms of the said standard. 4.11. +xªÉ ±ÉäJÉÉ ¨ÉÉxÉEò: 4.11. Other Accounting Standards: ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 10 ‘ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ +Éè® ={ÉEò®úhÉ’ Accounting Standard (AS) 10 'Property, Plant and ¨ÉÉSÉÇú 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇú ½äþiÉÖ +ÉκiɪÉÉå Eäò |ÉiªÉäEò ´ÉMÉÇú Eäò ʱÉB Equipment' EÖò±É ¨ÉÚ±ªÉ ¿ÉºÉ EòÉ Ê´É´É®úhÉþ* Break up of total depreciation for the year ended March, 2018 for each class of assets.

(` Eò®úÉäc÷ ¨Éå) / (` in Crore) +ÉκiɪÉÉå EòÉ ´ÉMÉÇ Ê´ÉkÉÒªÉ ´É¹ÉÇ Ê´ÉkÉÒªÉ ´É¹ÉÇ Class of Assets F.Y. 2017-18 F.Y. 2016-17

{ÉÊ®úºÉ®/Premises 49.93 51.59 +xªÉ κlÉ®ú +ÉκiɪÉÉÆ/Other Fixed Assets 93.17 105.15 {É]Âõ]õÉEÞòiÉ +ÉκiɪÉÉÆ/Leased Assets ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÆò{ªÉÚ]õ®ú ºÉÉ}]õ´ÉäªÉ®ú/Computer Software 9.78 11.73 EÖò±É/Total 152.88 168.47

4.12. +xªÉ ±ÉäJÉÉ ¨ÉÉxÉEò: ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 11 4.12. Accounting Standard (AS) 11 Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ±ÉäxÉnäùxÉ Foreign Currency Transactions Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ´ÉɱÉä ±ÉäxÉnäùxÉù ½äþiÉÖ ±ÉäJÉÉÆEòxÉ ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú Accounting for transactions involving foreign exchange ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ BBºÉ 11(Ê´Énäù¶ÉÒ ¨ÉÖpùÉ nù®úÉå ¨Éå {ÉÊ®ú´ÉiÉÇxÉ EòÉ is done in accordance with AS-11 (The effects of |ɦÉÉ´É) Eäò +xÉÖºÉÉ®ú ÊEòªÉÉ VÉÉiÉÉ ½èþ* changes in foreign exchange rates) issued by the ICAI. VÉèºÉÉ ÊEò BBºÉ 11 ¨Éå ÊxÉvÉÉÇÊ®úiÉ ½èþ ¤ÉéEò Eäò Ê´Énäù¶ÉÒ ¨ÉÖpùÉ {ÉÊ®úSÉɱÉxÉ As stipulated in AS-11, the foreign currency operations EòÉä (Eò) ºÉ¨ÉOÉ {ÉÊ®úSÉɱÉxÉ +Éè®ú (JÉ) MÉè®ú ºÉ¨ÉOÉ {ÉÊ®úSÉɱÉxÉ Eäò °ü{É ¨Éå of the Bank are classified as (a) Integral operations ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* ºÉ¦ÉÒ Ê´Énäù¶ÉÒ ¶ÉÉJÉÉ+Éå EòÉä MÉè®ú ºÉ¨ÉOÉ and (b) Non-integral operations. Overseas branch is {ÉÊ®úSÉɱÉxÉ ºÉ¨ÉZÉÉ VÉÉiÉÉ ½èþ +Éè®ú Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ¨Éå PÉ®äú±ÉÚ {ÉÊ®úSÉɱÉxÉ treated as Non-integral operations and domestic +Éè®ú |ÉÊiÉÊxÉÊvÉ MÉè®ú ºÉ¨ÉOÉ {ÉÊ®úSÉɱÉxÉ EòÉä ºÉ¨ÉOÉ {ÉÊ®úSÉɱÉxÉ Eäò °ü{É ¨Éå operations in foreign exchange are treated as Integral ¨ÉÉxÉÉ VÉÉiÉÉ ½èþ* operations. MÉè®ú ºÉ¨ÉOÉ {ÉÊ®úSÉɱÉxÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ±ÉäxÉnäùxÉ Transactions in respect of Non-Integral operations (Eò) |ÉiªÉäEò ÊiɨÉɽþÒ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú Ê´Énäù¶ÉÒ ¨ÉÖpùÉ +ÉκiɪÉÉå +Éè®ú (a) Foreign currency assets and liabilities are translated näùªÉiÉÉ+Éå EòÉä ¡äòb÷É<Ç uùÉ®úÉ +ÊvɺÉÚÊSÉiÉ C±ÉÉäËVÉMÉ º{ÉÉ]õ nù®úÉå ¨Éå at the closing spot rates notified by FEDAI at the end of ]ÅõÉƺɱÉä]õ ÊEòªÉÉ VÉÉiÉÉ ½èþ* each quarter. (JÉ) iÉÖ±ÉxÉ {ÉjÉ EòÒ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ º{ÉÉ]õ (b) Foreign exchange spot and forward contingent liabilities +Éè®ú ¡òÉ®ú´ÉbÇ÷ +ÉEòκ¨ÉEò näùªÉiÉÉ+Éå EòÉä ¡äòb÷É<Ç uùÉ®úÉ +ÊvɺÉÚÊSÉiÉ outstanding as at the Balance sheet date are translated Gò¨É¶É: C±ÉÉäËVÉMÉ º{ÉÉ]õ +Éè®ú ¡òÉ®ú´ÉbÇ÷ nù®úÉå ¨Éå +Éè®ú +ÆiÉÊ®ú¨É at the closing spot and forward rates respectively {ÉÊ®ú{ÉC´ÉiÉÉ+Éå EòÒ ºÉÆÊ´ÉnùÉ+Éå ½äþiÉÖ <Æ]õ®ú{ÉÉä±Éä]äõb÷ nù®úÉå {É®ú ]ÅõÉƺɱÉä]õ notified by FEDAI and at interpolated rates for contracts ÊEòªÉÉ VÉÉiÉÉ ½èþ* of interim maturities.

205 (MÉ) +ÉªÉ +Éè®ú ´ªÉªÉ EòÉä |ÉiªÉäEò ÊiɨÉɽþÒ Eäò +ÆiÉ ¨Éå ¡äòb÷É<Ç uùÉ®úÉ (c) Income and expense are translated at quarterly average +ÊvɺÉÚÊSÉiÉ ÊiɨÉɽþÒ +ÉèºÉiÉ nù®ú {É®ú ]ÅõÉƺɱÉä]õ ÊEòªÉÉ VÉÉiÉÉ ½èþ* rate notified by FEDAI at the end of each quarter. (PÉ) {ÉÊ®úhÉɨÉÒ Ê´ÉÊxÉ¨ÉªÉ nù®ú Eäò +ÆiÉ®ú EòÉä =ºÉ +´ÉÊvÉ ½äþiÉÖ +ÉªÉ +Éè®ú (d) The resulting exchange differences are not recognized ´ªÉªÉ Eäò °ü{É ¨Éå +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ +Ê{ÉiÉÖ ÊxÉ´É±É as income or expense for the period but accumulated ÊxÉ´Éä¶É EòÉ ÊxÉ{É]õÉxÉ ½þÉäxÉä iÉEò {ÉÞlÉEò JÉÉiÉä “Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ]ÅõÉƺɱÉä¶ÉxÉ in a separate account "Foreign currency Translation Ê®úVÉ´ÉÇ” ¨Éå ºÉÆÊSÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Reserve" till the disposal of the net investment. ºÉ¨ÉOÉ {ÉÊ®úSÉɱÉxÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ±ÉäxÉnäùxÉ Transactions in respect of Integral operations (Eò) +ÉªÉ +Éè®ú ´ªÉªÉ EòÉä ±ÉäxÉnäùxÉ EòÒ ÊiÉÊlÉ {É®ú |ÉSÉʱÉiÉ Ê´ÉÊxÉ¨ÉªÉ (a) Income and expenses are translated and accounted nù®úÉå {É®ú ʽþºÉÉ¤É ¨Éå ʱɪÉÉ VÉÉiÉÉ ½èþ* for at exchange rates prevailing on the date of transaction. (JÉ) |ÉiªÉäEò ÊiɨÉɽþÒ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú Ê´Énäù¶ÉÒ ¨ÉÖpùÉ +ÉκiɪÉÉå +Éè®ú (b) Foreign currency assets and liabilities (including näùªÉiÉÉ+Éå (+ÉEòκ¨ÉEò näùªÉiÉÉ+Éå ºÉʽþiÉ) EòÉä ¡äòb÷É<Ç uùÉ®úÉ +ÊvɺÉÚÊSÉiÉ contingent liabilities) are translated at the closing spot C±ÉÉäËVÉMÉ º{ÉÉ]õ nù®úÉå ¨Éå ]ÅõÉƺɱÉä]õ ÊEòªÉÉ VÉÉiÉÉ ½èþ* rates notified by FEDAI at the end of each quarter. (MÉ) {ÉÊ®úhÉɨÉÒ Ê´ÉÊxÉ¨ÉªÉ nù®ú Eäò +ÆiÉ®ú EòÉä +ÉªÉ +Éè®ú ´ªÉªÉ Eäò °ü{É ¨Éå (c) The resulting exchange differences are recognized as +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ +Éè®ú ±ÉÉ¦É ½þÉÊxÉ ±ÉäJÉÉ Eäò ¨ÉÉvªÉ¨É ºÉä income or expenses and are accounted through Profit ʽþºÉÉ¤É ¨Éå ʱɪÉÉ VÉÉiÉÉ ½èþ* & Loss account. ¡òÉ®ú´ÉbÇ÷ BCºÉSÉåVÉ EòÉÆ]ÅäõC]õ Forward exchange contracts ¡äòb÷É<Ç Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå +Éè®ú BBºÉ 11 Eäò |ÉÉ´ÉvÉÉxÉÉå Eäò +xÉÖºÉÉ®ú iÉÖ±ÉxÉ {ÉjÉ In accordance with the guidelines of FEDAI and the provisions EòÒ ÊiÉÊlÉ EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉEòɪÉÉ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ º{ÉÉ]õ +Éè®ú ¡òÉ®ú´ÉbÇ÷ ºÉÆÊ´ÉnùÉ+Éå of AS-11, Foreign exchange spot and forward contracts EòÉä ¡äòb÷É<Ç uùÉ®úÉ +ÊvɺÉÚÊSÉiÉ Gò¨É¶É: C±ÉÉäËVÉMÉ º{ÉÉ]õ +Éè®ú ¡òÉ®ú´ÉbÇ÷ nù®úÉå ¨Éå outstanding as at the balance sheet date and held for trading +Éè®ú +ÆiÉÊ®ú¨É {ÉÊ®ú{ÉC´ÉiÉÉ+Éå EòÒ ºÉÆÊ´ÉnùÉ+Éå ½äþiÉÖ <Æ]õ®ú{ÉÉä±Éä]äõb÷ nù®úÉå {É®ú ]ÅõÉƺɱÉä]õ are revalued at the closing spot and forward rates respectively ÊEòªÉÉ VÉÉiÉÉ ½èþ* {ÉÊ®úhÉɨÉÒ ¡òÉì®ú´ÉbÇ÷Ç÷ {ÉÖxɨÉÚDZªÉÉÆEòxÉ ±ÉÉ¦É ªÉÉ ½þÉÊxÉ ±ÉÉ¦É B´ÉÆ notified by FEDAI and at interpolated rates for contracts of ½þÉÊxÉ JÉÉiÉÉ ¨Éå ºÉ¨ÉÉʴɹ]õ ½èþ* interim maturities. The resulting forward revaluation profit or loss is included in the Profit & Loss account.

Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ±ÉäxÉnäùxÉ Ê®úVÉ´ÉÇ EòÉ ºÉÆSɱÉxÉ / Movement of Foreign Currency Translation Reserve: (` Eò®úÉäc÷ ¨Éå) / (` in crore)

Ê´É´É®úhÉ/ Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 2016-17

+lÉ ¶Éä¹É/ Opening Balance 85.79 97.07 ´É¹ÉÇ Eäò nùÉè®úÉxÉ VɨÉÉ/ Credited during the Period ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 01.04.2017 ºÉä 31.03.2018 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ xÉɨÉä Debited during the period 01.04.2017 to 31.03.2018 0.07 11.28 <ÊiÉ ¶Éä¹É/Closing Balance 85.72 85.79

4.13 ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 14- ºÉ¨ÉɨÉä±ÉxÉ ½äiÉÖ ±ÉäJÉÉ: 4.13. Accounting Standard (AS) 14 -Accounting for Amalgamations: +ɱɤÉéEò ¡òÉ

206 iÉnxÉÖºÉÉ®, +ɱɤÉéEò ¡òÉ

5. ‘‘|ÉÉ´ÉvÉÉxÉ, +ÉEòκ¨ÉEò näùªÉiÉÉBÄ +Éè®ú +ÉEòκ¨ÉEò +ÉκiɪÉÉÆ’’ Eäò 5. Disclosure in terms of Accounting Standard (AS) 29 on ºÉƤÉÆvÉ ¨Éå ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 29 Eäò +xÉÖºÉÉ®ú |ÉEò]õÒEò®úhÉ "Provisions, Contingent Liabilities and Contingent Assets": 5.1.1. ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå |ÉÉ´ÉvÉÉxÉ B´ÉÆ +ÉEòκ¨ÉEò näùªÉiÉÉ+Éå ½äþiÉÖ xÉɨÉä/Provisions & Contingencies debited to Profit & Loss Account

(` Eò®úÉäc÷ ¨Éå) / (` in crore) Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. Particulars 2017-18 2016-17 (B)/(a)ÊxÉ´Éä¶É {É®ú ¨ÉÚ±ªÉ¿ÉºÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision for Depreciation on Investment 743.27 245.79 (¤ÉÒ)/(b)BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision towards NPA 10326.45 4552.37 (ºÉÒ)/(c)¨ÉÉxÉEò +ÉκiɪÉÉå ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/ Provision towards Standard Assets (634.39) 95.59 (b÷Ò)/(d)+ɪÉEò®ú ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/Provision towards Income Tax (595.61) 387.99 (<Ç)/(e)+ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ/näùªÉiÉÉBÆ/Deferred Tax (Assets) Liabilities (1321.04) (679.19) (B¡ò)/(f)+É<Ç+É®úBºÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉú/Provision for IRS ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (VÉÒ)/(g)+xªÉ /Others (405.99) (422.27) EÖò±É/Total 8112.69 4180.28

5.1.2. |ÉÉ´ÉvÉÉxÉ +Éè®ú +ÉEòκ¨ÉEòiÉÉBÆ (<ÊiÉ ¶Éä¹É) Provision and Contingencies (Closing balance) (` Eò®úÉäc÷ ¨Éå) / (` in crore) Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. Particulars 2017-18 2016-17 (B)/(a)BxÉ{ÉÒB ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision toward NPA 14308.11 7176.83 (¤ÉÒ)/(b)ÊxÉ´Éä¶É {É®ú ¨ÉÚ±ªÉ¿ÉºÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision for Depreciation on Investment 1322.09 575.89 (ºÉÒ)/(c)¨ÉÉxÉEò +ÉκiɪÉÉå ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/ Provision towards Standard Assets 751.20 1385.86 (b÷Ò)/(d)+ɪÉEò®ú ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/Provision towards Income Tax 4100.64 5080.10 (<Ç)/(e)+ɺlÉÊMÉiÉ Eò®ú (+ÉκiɪÉÉÆ)/näùªÉiÉÉBÆ/Deferred Tax (Assets) / Liabilities (2865.78) (1544.74) (B¡ò)/(f)+xªÉ /Others 1818.61 1991.89 EÖò±É/Total 19434.87 14665.83

5.2. +κlÉ®úú |ÉÉ´ÉvÉÉxÉ (|ÉÊiÉSÉGòÒªÉ |ÉÉ´ÉvÉÉxÉ ¤É¡ò®ú)/Floating Provisions (Countercyclical Provisioning Buffer): (` Eò®úÉäc÷ ¨Éå) / (` in Crore) |ÉÊiÉSÉGòÒªÉ |ÉÉ´ÉvÉÉxÉ ¤É¡ò®ú / +κlÉ®ú |ÉÉ´ÉvÉÉxÉ / Counter cyclical Provision Buffer Floating Provision Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17 (B)/(a)+ʺlÉ®ú |ÉÉ´ÉvÉÉxÉ JÉÉiÉä ¨Éå +lÉ ¶Éä¹É / Opening Balance 24.00 24.00 ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (¤ÉÒ)/(b)´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊEòªÉä MɪÉä +ʺlÉ®ú |ÉÉ´ÉvÉÉxÉ EòÉ {ÉÊ®ú¨ÉÉhÉ Quantum of Provision made during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (ºÉÒ)/(c)´É¹ÉÇ Eäò nùÉè®úÉxÉ bÅ÷Éì b÷É=xÉ EòÒ ®úEò¨É B´ÉÆ |ɪÉÉäVÉxÉ Purpose and Amount of draw down during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (b÷Ò)/(d)+ʺlÉ®ú |ÉÉ´ÉvÉÉxÉ JÉÉiÉä ¨Éå <ÊiÉ ¶Éä¹É Closing Balance 24.00 24.00 ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

207 5.3 +É®ÊIÉiÉ ÊxÉÊvɪÉÉå ºÉä bÅ÷Éì b÷É=xÉ 5.3. Draw Down from Reserves: ´É¹ÉÇ Eäò nùÉè®úÉxÉ +É®úÊIÉiÉ ÊxÉÊvɪÉÉå ºÉä ÊEòºÉÒ ®úÉ榃 EòÉä bÅ÷É b÷É=xÉ xɽþÓ No amount has been drawn from the Reserve during ÊEòªÉÉ MɪÉÉ ½èþèþ (Ê´ÉMÉiÉ ´É¹ÉÇ ¶ÉÚxªÉ) the year. (Previous year Nil).

5.4. ʶÉEòɪÉiÉÉå EòÉ |ÉEò]ÒEò®úhÉ/Disclosure of Complaints : B/A. OÉɽEòÉäÆ EòÒ Ê¶ÉEòɪÉiÉå/Customer Complaints :

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17

(B)/(a) ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå ±ÉÆʤÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints pending at the beginning of the year 211 157 (¤ÉÒ)/(b) ´É¹ÉÇ Eäò nùÉè®úÉxÉ |ÉÉ{iÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints Received during the year 14476 10284 (ºÉÒ)/(c) ´É¹ÉÇ Eäò nùÉè®ÉúxÉ ÊxÉ´ÉÉÊ®úiÉ EòÒ MÉ<Ç Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints Redressed during the year 14553 10213 (b÷Ò)/(d) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå ±Éʨ¤ÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints pending at the end of the year 134 228

¤ÉÒ/B. ¶ÉäªÉ®úvÉÉ®úEòÉÆä/ÊxÉ´Éä¶ÉEòÉÆä EòÒ Ê¶ÉEòɪÉiÉå/Shareholders/Investors Complaints :

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17 (B)/(a) ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå ±ÉÆʤÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints pending at the beginning of the year 01 02 (¤ÉÒ)/(b) ´É¹ÉÇ Eäò nùÉè®úÉxÉ |ÉÉ{iÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ / No. of Complaints Received during the year 277 184 (ºÉÒ)/(c) ´É¹ÉÇ Eäò nùÉè®ÉúxÉ ÊxÉ´ÉÉÊ®úiÉ EòÒ MÉ<Ç Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ / No. of Complaints Redressed during the year 278 185 (b÷Ò)/(d) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå ±Éʨ¤ÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ / No. of Complaints pending at the end of the year ¶ÉÚxªÉ/NIL 01

ºÉÒ/C. ¤ÉèËEòMÉ ±ÉÉäEò{ÉÉ±É uùÉ®úÉ {ÉÉÊ®úiÉ +´ÉÉbÇ÷/Awards passed by the Banking Ombudsman :

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 F.Y. 2016-17 (B)/(a) ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå EòɪÉÉÇÊx´ÉiÉ xÉ ÊEòªÉä MɪÉä +ÊvÉÊxÉhÉǪÉÉå EòÒ ºÉÆJªÉÉ/ No. of unimplemented awards at the beginning of the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (¤ÉÒ)/(b) ´É¹ÉÇ Eäò nùÉè®úÉúxÉ ¤ÉéÊEÆòMÉ ±ÉÉäEò{ÉÉ±É uùÉ®úÉ {ÉÉÊ®úiÉ ÊEòªÉä MɪÉä +ÊvÉÊxÉhÉǪÉÉå EòÒ ºÉÆJªÉÉ/ No. of awards passed by Banking Ombudsman during the year 3 ¶ÉÚxªÉ/NIL (ºÉÒ)/(c) EòɪÉÉÇÎx´ÉiÉ ÊEòªÉä MɪÉä +ÊvÉÊxÉhÉǪÉÉå EòÒ ºÉÆJªÉÉ/ No. of awards implemented during the year 3 ¶ÉÚxªÉ/NIL (b÷Ò)/(d) EòɪÉÉÇÎx´ÉiÉ xÉ ÊEòªÉä MɪÉä +ÊvÉÊxÉhÉǪÉÉå EòÒ ºÉÆJªÉÉ/ No. of unimplemented awards at the end of the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

ºÉÒ/D. B]õÒB¨É ºÉä ºÉƤÉÆÊvÉiÉ Ê¶ÉEòɪÉiÉå/ATM Related Complaints :

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2016-17

(B)/(a) ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå ±ÉÆʤÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints pending at the beginning of the year 3452 387 (¤ÉÒ)/(b) ´É¹ÉÇ Eäò nùÉè®úÉxÉ |ÉÉ{iÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints Received during the year 95621 70417 (ºÉÒ)/(c) ´É¹ÉÇ Eäò nùÉè®ÉúxÉ ÊxÉ´ÉÉÊ®úiÉ EòÒ MÉ<Ç Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints Redressed during the year 97570 67352 (b÷Ò)/(d) ´É¹ÉÇ Eäò +ÆiÉ ¨Éå ±Éʨ¤ÉiÉ Ê¶ÉEòɪÉiÉÉå EòÒ ºÉÆJªÉÉ/ No. of Complaints pending at the end of the year 1503 3452

208 5.5. ¤ÉéEòÉå uùÉ®úÉ VÉÉ®úÒ SÉÖEòÉèiÉÒ +É·ÉɺÉxÉ {ÉjÉ (B±É+ÉäºÉÒ) 5.5. Letters of Comfort (LoCs) issued by Bank: SÉɱÉÚ Ê´ÉkÉÒªÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä GäòiÉÉ @ñhÉ ºÉÖÊ´ÉvÉÉ ={ɱɤvÉ During the current financial year, the Bank has issued Eò®úÉxÉä ½äþiÉÖ `4960.85 Eò®úÉäc÷ ¨ÉÚ±ªÉ Eäò 1537B±É+ÉäºÉÒ (Ê´ÉMÉiÉ 1537 number of LoCs amounting to `4960.85 Crore ´É¹ÉÇ `6410.74 Eò®úÉäc÷ ¨ÉÚ±ªÉ Eäò 1771 B±É+ÉäºÉÒ) VÉÉ®úÒ ÊEòB* (previous year 1771 number of LoCs amounting to `6410.74 Crore) for providing Buyers Credit facility. The 31.03.2018 EòÉä ¤ÉEòɪÉÉ B±É+ÉäºÉÒ EòÒ ®úÉ榃 `1445.55 Eò®úÉäc÷ outstanding LoCs as on 31.03.2018 amount to (Ê´ÉMÉiÉ ´É¹ÉÇ `2418.54 Eò®úÉäc÷) lÉÒ +xªÉ ¤ÉéEòÉå Eäò B±É+ÉäºÉÒ Eäò `1445.55 Crore (previous year `2418.54 Crore) of LOCs +ÉvÉÉ® {É® `1053.15 Eò®úÉäc ÊnB MÉB +Éè® <±ÉɽɤÉÉn ¤ÉéEò Eäò given on the basis of LOUs of other banks amounting to B±É+ÉäºÉÒ Eäò +ÉvÉÉ® {É® `392.40 Eò®úÉäc Eäò 352 B±É+ÉäºÉÒ ÊnB `1053.15 Crore and given on the basis is of LOUs of MÉB* ¤ÉéEò Eäò ÊxÉvÉÉÇ®úhÉ Eäò +xÉÖºÉÉ®ú <ºÉ ºÉƤÉÆvÉ ¨Éå EòÉä<Ç Ê´ÉkÉÒªÉ |ɦÉÉ´É Allahabad Bank are 352 in number amounting to xɽþÓ {Écä÷MÉÉ* `392.40 Crore. In Bank's assessment, no financial impact is likely to arise in this respect. 5.6. |ÉÉ´ÉvÉÉxÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ 5.6. Provisioning Coverage Ratio (PCR): 31.03.2018 EòÉä ªÉlÉÉκlÉÊiÉ ¤ÉéEò EòÉ |ÉÉ´ÉvÉÉxÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ The provision coverage ratio as on 31.03.2018: 62.91 62.91% ½èþ (Ê´ÉMÉiÉ ´É¹ÉÇ 50.11%) % (Previous Year 50.11%) 5.7. ´É¹ÉÇ Eäò nùÉè®úÉxÉ ¤ÉéEòɶªÉÉä®åúºÉ ´ªÉ´ÉºÉÉªÉ ºÉä +ɪÉ: 5.7. Income from Bancassurance business during the year: VÉÒ´ÉxÉ +Éè®ú MÉè®ú-VÉÒ´ÉxÉ ¤ÉÒ¨ÉÉ ´ªÉ´ÉºÉÉªÉ ºÉä |ÉÉ{iÉ Eò¨ÉÒ¶ÉxÉ : `27.37 Commission received on life & non-life insurance ` ` Eò®úÉäc (Ê´ÉMÉiÉ ´É¹ÉÇ `21.44 Eò®úÉäc÷) ®½É ÊVɺɨÉå |ÉvÉÉxÉ ¨ÉÆjÉÒ VÉÒ´ÉxÉ business: 27.37 Crore (previous year 21.44 Crore) inclusive commission of `2.42 crore for Pradhan Mantri VªÉÉäÊiÉ ¤ÉÒ¨ÉÉ ªÉÉäVÉxÉÉ ½äiÉÖ `2.42 Eò®úÉäc EòÉ Eò¨ÉÒ¶ÉxÉ ¶ÉÉÊ¨É±É ½è* Jeevan Jyoti Bima Yojna). 5.8. VɨÉÉ®úÉʶɪÉÉå, +ÊOɨÉÉå, BCºÉ{ÉÉäVÉ®ú +Éè®ú BxÉ{ÉÒB EòÉ ºÉÆEäòxpùhÉ 5.8. Concentration of Deposits, Advances, Exposures & NPAs: VɨÉÉ®úÉʶɪÉÉå EòÉ ºÉÆEäòxpùhÉ 5.8.1. / Concentration of Deposits (` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 ¤ÉÒºÉ ºÉ¤ÉºÉä ¤Écä÷ VɨÉÉEòiÉÉÇ+Éå EòÒ EÖò±É VɨÉÉ®úÉ榃 Total deposit of twenty largest depositors 11152.38 12458.68 ¤ÉéEò EòÒ EÖò±É VɨÉÉ®úÉ榃 ¨Éå ¤ÉÒºÉ ºÉ¤ÉºÉä ¤Écä÷ VɨÉÉEòiÉÉÇ+Éå EòÒ VɨÉÉ®úÉ榃 EòÉ |ÉÊiɶÉiÉ Percentage of deposits of twenty largest depositors to total deposits of the bank 5.22 6.17

5.8.2. +ÊOɨÉÉå EòÉ ºÉÆEäòxpùhÉ /Concentration of Advances: (` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 ¤ÉÒºÉ ºÉ¤ÉºÉä ¤Écä÷ =vÉÉ®úiÉÉÇ+Éå EòÉä EÖò±É +ÊOɨÉ/ Total advances to twenty largest borrowers 31455.05 22814.56 ¤ÉéEò Eäò EÖò±É +ÊOÉ¨É ¨Éå ¤ÉÒºÉ ºÉ¤ÉºÉä ¤Écä =vÉÉ®úEòiÉÉÇ+Éå Eäò +ÊOÉ¨É EòÉ |ÉÊiɶÉiÉ Percentage of advances to twenty largest borrowers to total advances of the bank 15.78 14.43

5.8.3. BCºÉ{ÉÉäVÉ®ú EòÉ ºÉÆEäòxpùhÉ / Concentration of Exposures (` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 ¤ÉÒºÉ ºÉ¤ÉºÉä ¤Écä÷ =vÉÉ®úEòiÉÉÇ+Éå/OÉɽþEòÉå EòÉä EÖò±É BCºÉ{ÉÉäVÉ®ú Total exposure to twenty largest borrowers/ customers 34011.16 29569.85 ¤ÉéEò Eäò EÖò±É BCºÉ{ÉÉäVÉ®ú ¨Éå ¤ÉÒºÉ ºÉ¤ÉºÉä ¤Écä÷ =vÉÉ®úEòiÉÉÇ+Éå/ OÉɽþEòÉå Eäò BCºÉ{ÉÉäVÉ®ú EòÉ |ÉÊiɶÉiÉ Percentage of exposure to twenty largest borrowers/ customers to total exposure of the bank on borrowers/customers 14.49 13.76

5.8.4. BxÉ{ÉÒB {É®ú ºÉÆEäòxpùhÉ /Concentration on NPAs (` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 ¶ÉÒ¹ÉÇ SÉÉ®ú BxÉ{ÉÒB JÉÉiÉÉå ¨Éå EÖò±É BCºÉ{ÉÉäVÉ®ú (ºÉEò±É) Total Exposure to top four NPA accounts (Gross) 4733.12 4086.53

209 5.9. IÉäjÉ´ÉÉ®ú BxÉ{ÉÒB : ºÉƤÉÆÊvÉiÉ IÉäjÉ Eäò EÖò±É +ÊOÉ¨É ¨Éå BxÉ{ÉÒB EòÉ |ÉÊiɶÉiÉ / Sector-wise NPAs: Percentage of NPAs to Total Advances in that sector (` Eò®úÉäc÷ ¨Éå) / (` in Crore) Gò¨É SÉɱÉÚ ´É¹ÉÇ/Current year Ê´ÉMÉiÉ ´É¹ÉÇ/Previous year ºÉÆ. ¤ÉEòɪÉÉ EÖò±É ºÉEò±É <ºÉ IÉäjÉ ¨Éå ¤ÉEòɪÉÉ EÖò±É ºÉEò±É <ºÉ IÉäjÉ ¨Éå IÉäjÉ/Sector BxÉ{ÉÒB Sl +ÊOÉ¨É BxÉ{ÉÒB EÖò±É +ÊOɨÉÉå ¨Éå +ÊOÉ¨É EÖò±É +ÊOɨÉÉå ¨Éå No ºÉEò±É BxÉ{ÉÒB ºÉEò±É BxÉ{ÉÒB EòÉ |ÉÊiɶÉiÉ EòÉ |ÉÊiɶÉiÉ Outstanding Gross Percentage Outstanding Gross Percentage Total NPAs of Gross Total NPAs of Gross Advances NPAs to Advances NPAs to Total Total Advances Advances in that in that sector sector Eò/A |ÉÉlÉʨÉEòiÉÉ IÉäjÉ/Priority Sectorr 1 EÞòÊ¹É B´ÉÆ ºÉƤÉrù MÉÊiÉÊ´ÉÊvɪÉÉÆ Agriculture and allied activities 26713.01 1603.46 6.00 26430.53 1296.35 4.90 2 |ÉÉlÉʨÉEòiÉÉ IÉäjÉ @ñhÉ ½äþiÉÖ {ÉÉjÉ =tÉäMÉ IÉäjÉ EòÉä +ÊOÉ¨É Advances to industries sector eligible as priority sector lending 12930.87 3052.29 23.60 12843.68 2122.29 16.52 3 ºÉä´ÉÉ/Services 17223.36 1651.25 9.59 16588.63 989.19 5.96 4 ´ÉèªÉÊHòEò @ñhÉ//Personal Loans 9726.67 219.68 2.26 8733.83 172.09 1.97 ={É VÉÉäc÷(Eò)/Sub-Total (A) 66593.91 6526.68 9.80 64596.67 4579.92 7.09 JÉ/B MÉè®ú |ÉÉlÉʨÉEòiÉÉ IÉäjÉ/Non Priority Sector 1 EÞòÊ¹É B´ÉÆ ºÉƤÉrù MÉÊiÉÊ´ÉÊvɪÉÉÆ Agriculture and allied activities 0.00 0.00 0.0 0.00 0.00 0.00 2 =tÉäMÉ/Industry 38722.42 15715.93 40.59 42769.61 12417.46 29.03 3 ºÉä´ÉÉ/Services 37595.05 2954.63 7.86 14597.28 1580.59 10.83 4 ´ÉèªÉÊHòEò @ñhÉ/Personal Loans 0.00 0.00 0.00 0.00 0.00 0.00 5 +xªÉ/Others 23524.48 1365.55 5.80 36139.81 2109.86 5.84 ={É VÉÉäc÷(JÉ)/Sub-Total (B) 99841.95 20036.11 20.07 93506.70 16107.91 17.23 EÖò±É (Eò+JÉ)/Total (A+B) 166435.86 26562.79 15.96 158103.37 20687.83 13.09

5.10. BxÉ{ÉÒB EòÉ ºÉÆSɱÉxÉ / Movement of NPAs (` Eò®úÉäc÷ ¨Éå) / (` in Crore) Ê´É´É®úhÉ/Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå 1+|Éè±É EòÉä ºÉEò±É BxÉ{ÉÒB (+lɶÉä¹É)/ Gross NPAs as on 1st April-beginning of the year (Opening Balance) 20687.83 15384.57 ´É¹ÉÇ Eäò nùÉè®úÉxÉ ´ÉÞÊrù (xÉB BxÉ{ÉÒB)/Additions (Fresh NPAs) during the year 12903.28 11417.00 ={É VÉÉäc÷ (B) / Sub- Total (A) 33591.11 26801.57 PÉ]õÉBÆ / Less:- (i) =zɪÉxÉ / Upgradations 1307.22 2060.37 (ii) ´ÉºÉÚ±ÉÒ (+{ÉOÉäb÷ JÉÉiÉÉå ¨Éå EòÒ MÉ<Ç ´ÉºÉÚ±ÉÒ EòÉä UôÉäc÷Eò®ú) Recoveries (excluding recoveries made from upgraded accounts) 2071.86 1611.32 (iii) iÉEòxÉÒEòÒ/Ê´É´ÉäEò{ÉÚhÉÇ ®úÉ<]õ+Éì¡ò Technical/Prudential Write-offs 2723.78 2225.23 (iv) ={ɪÉÖÇHò (iii) ¨Éå ºÉä

210 iÉEòxÉÒEòÒ ®úÉ<]õ +Éì¡ò +Éè®ú =ºÉ¨Éå EòÒ MÉ<Ç ´ÉºÉÚʱɪÉÉå EòÉ |ÉEò]õÒEò®úhÉ (` Eò®úÉäc÷ ¨Éå) / (` in Crore) Disclosure on Technical write –offs and the recoveries made thereon

Ê´É´É®úhÉ/Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 1 +|Éè±É (´É¹ÉÇ Eäò +É®Æú¦É ¨Éå) EòÉä ªÉlÉÉκlÉÊiÉ iÉEòxÉÒEòÒ/ Ê´É´ÉäEò{ÉÚhÉÇ ®úÉ<]õ +É¡ò JÉÉiÉÉå ¨Éå +lÉ ¶Éä¹É Opening Balance of Technical/ Prudential written-off accounts as at April 1 (Beginning of the year) 6235.76 4492.87 ´ÉÞÊrù: ´É¹ÉÇ Eäò nùÉè®úÉxÉ iÉEòxÉÒEòÒ/Ê´É´ÉäEò{ÉÚhÉÇ ®úÉ<]õ +É¡ò Add: Technical/ Prudential write-off during the year 2723.78 2225.23 ={É VÉÉäc÷ (B) / Sub- Total(A) 8959.54 6718.10 PÉ]õÉBÆ: ´É¹ÉÇ Eäò nùÉè®úÉxÉ Ê{ÉUô±Éä iÉEòxÉÒEòÒ/Ê´É´ÉäEò{ÉÚhÉÇ ®úÉ<]õ +É¡ò JÉÉiÉÉå ¨Éå EòÒ MÉ<Ç ´ÉºÉÚ±ÉÒ (¤ÉÒ)

Less: Recoveries made from previously technical/ prudential written- off accounts during the year (B) 2554.29 482.34 31 ¨ÉÉSÉÇ EòÉä ªÉlÉÉκlÉÊiÉ <ÊiɶÉä¹É (B-¤ÉÒ)

Closing Balance as at March’ 31 ( A-B) 6405.25 6235.76

Ê´Énäù¶ÉÒ +ÉκiɪÉÉÆ BxÉ{ÉÒB +Éè®ú ®úÉVɺ´É / 5.11. Overseas Assets, NPAs and Revenue (` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ/ Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17

EÖò±É +ÉκiɪÉÉÆ / Total Assets 13125.03 12950.50

EÖò±É BxÉ{ÉÒB /Total NPAs 143.39 167.59

EÖò±É ®úÉVɺ´É /Total Revenue 358.50 317.96

5.12. iÉÖ±ÉxÉ {ÉjÉ ¤ÉÉÁ |ÉɪÉÉäÊVÉiÉ BºÉ{ÉÒ´ÉÒ (ÊVÉx½åþ ±ÉäJÉÉ ¨ÉÉxÉEòÉå Eäò +xÉÖºÉÉ®ú 5.12. Off-Balance Sheet SPVs sponsored (which are re- ºÉ¨ÉäÊEòiÉ ÊEòªÉÉ VÉÉxÉÉ +{ÉäÊIÉiÉ ½èþ)- ¶ÉÚxªÉ (Ê´ÉMÉiÉ ´É¹ÉÇ: ¶ÉÚxªÉ) quired to be consolidated as per accounting norms): NIL (Previous year: NIL).

5.13. {ÉÊ®ú±ÉΤvɪÉÉå Eäò ºÉƤÉÆvÉ ¨Éå |ÉEò]õÒEò®úhÉ: <±ÉɽþɤÉÉnù ¤ÉéEò BEò ºÉÉ´ÉÇVÉÊxÉEò 5.13. Disclosure on Remuneration: As Allahabad Bank is a IÉäjÉ EòÉ ¤ÉéEò ½þÉäxÉä Eäò EòÉ®úhÉ ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò {ÉÊ®ú{ÉjÉ Public Sector Bank, Disclosures on Remuneration is not b÷Ò¤ÉÒ+Éäb÷Ò.ºÉÆ.¤ÉÒºÉÒ.72/29.67.001/2011-12 ÊnùxÉÉÆEò 13 VÉxÉ´É®úÒ, applicable as per RBI Circular No.DBOD.No.BC.72/ 2012 Eäò +xÉÖºÉÉ®ú {ÉÊ®ú±ÉΤvÉ ºÉƤÉÆvÉÒ |ÉEò]õxÉ |ɪÉÉäVªÉ xɽþÓ ½èþ* 29.67.001/ 2011-12 dated January 13, 2012.

5.14. |ÉÊiɦÉÚÊiÉEò®úhÉ ºÉä ºÉƤÉÆÊvÉiÉ |ÉEò]õxÉ: 5.14. Disclosures relating to Securitization: SÉÚÆÊEò ¤ÉéEò uùÉ®úÉ ÊEòºÉÒ BºÉ{ÉÒ´ÉÒ EòÉä |ÉɪÉÉäÊVÉiÉ xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ As there is no SPVs sponsored by the Bank, the out- +iÉ: iÉÖ±ÉxÉ{ÉjÉ EòÒ iÉÉ®úÒJÉ EòÉä ªÉlÉÉκlÉÊiÉ |ÉÊiɦÉÚÊiÉEÞòiÉ +ÉκiɪÉÉå EòÒ standing amount of securitized assets of SPVs as on ¤ÉEòɪÉÉ ®úÉ榃 ¶ÉÚxªÉ ½èþ (Ê´ÉMÉiÉ ´É¹ÉÇ ¶ÉÚxªÉ) date of balance sheet is Nil (Previous year: Nil)

5.15. @ñhÉ SÉÚEò º´Éè{É:¶ÉÚxªÉ 5.15. Credit Default Swaps: Nil ¤ÉéEò EòÉ @ñhÉ SÉÚEò º´Éè{É ¨Éå EòÉä<Ç BCºÉ{ÉÉäVÉ®ú xɽþÓ ½èþ +iÉ: ªÉ½þ @ñhÉ Bank is not having any exposure in credit default swap SÉÚEò º´Éè{É ½äþiÉÖ EòÒ¨ÉiÉÉå ½äþiÉÖ ÊEòºÉÒ +ÉÆiÉÊ®úEò ¨ÉÉb÷±É EòÉ |ɪÉÉäMÉ xɽþÓ and as such not using any internal model for pricing of Eò®ú ®ú½þÉ ½èþ* credit default swaps.

211 5.16. <Æ]ÅõÉ OÉÖ{É BCºÉ{ÉÉäVÉ®ú 5.16. Intra-Group Exposures: ¤ÉéEò Eäò {ÉÚhÉÇiɪÉÉ +Éè®ú +ƶÉiɪÉÉ º´ÉÉʨÉi´É ´ÉɱÉÒ ºÉɨÉÚʽþEò ºÉƺlÉÉ+Éå ¨Éå Bank's exposure to the group entities that are owned by ¤ÉéEò EòÉ BCºÉ{ÉÉäVÉ®ú ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ* the bank fully or partly are as under;

(` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ/ Ê´ÉkÉÒªÉ ´É¹ÉÇ / Ê´ÉkÉÒªÉ ´É¹ÉÇ / Particulars F.Y. 2017-18 F.Y. 2016-17 Eò/a) <Æ]ÅõÉ-OÉÖ{É BCºÉ{ÉÉäVÉ®ú EòÒ EÖò±É ®úÉ榃 /Total amount of Intra-group exposures 156.27 171.27 JÉ/b) ¶ÉÒ¹ÉÇ 20 <Æ]ÅõÉ-OÉÖ{É BCºÉ{ÉÉäVÉ®ú EòÒ EÖò±É ®úÉʶÉ/Total amount of top-20 intra-group exposures 156.27 171.27 MÉ/c) =vÉÉ®úEòiÉÉÇ+Éå/OÉɽþEòÉå ¨Éå ¤ÉéEò Eäò EÖò±É BCºÉ{ÉÉäVÉ®ú ¨Éå <Æ]ÅõÉ-OÉÖ{É BCºÉ{ÉÉäVÉ®ú EòÉ |ÉÊiɶÉiÉ Percentage of intra-group exposures to total exposure of the bank on borrowers/customers 0.07 0.08 PÉ/d) <Æ]ÅõÉ-OÉÖ{É BCºÉ{ÉÉäVÉ®ú EòÒ ºÉÒ¨ÉÉ iÉÉäc÷xÉä +Éè® =ºÉ {É®ú EòÒ MÉ<Ç Ê´ÉÊxɪÉɨÉEò EòÉ®Çú´ÉÉ<Ç, ªÉÊnù EòÉä<Ç ½þÉä EòÉ Ê´É´É®úhÉ Details of breach of limits on intra-group exposures and regulatory action thereon, if any ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

5.17 VɨÉÉEòiÉÉÇ Ê¶ÉIÉÉ +Éè®ú VÉÉMÉ°üEòiÉÉ ÊxÉÊvÉ (b÷Ò<ÇBB¡ò) EòÉä +ÆiÉ®úhÉ 5.17. Transfers to Depositors Education and Awareness Fund (DEAF) +nùÉ´ÉÒ näùªÉiÉÉBÆ VɽþÉÆ ®úEò¨É näùªÉ ½èþ EòÉä ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊxɨxÉÉxÉÖºÉÉ®ú b÷Ò<ÇBB¡ò Unclaimed liabilities where amount due has been transferred ¨Éå +ÆiÉÊ®úiÉ ÊEòªÉÉ MɪÉÉ ½èþ to DEAF during the year are as under;

(` Eò®úÉäc÷ ¨Éå) / (` in Crore)

Ê´É´É®úhÉ/ Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ / F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 b÷Ò<ÇBB¡ò ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 EòÉ +lÉ ¶Éä¹É / Opening balance of amounts transferred to DEAF 19.29 14.63 VÉÉäcå÷: ´É¹ÉÇ Eäò nùÉè®úÉxÉ b÷Ò<ÇBB¡ò ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 / Add: Amounts transferred to DEAF during the year 109.30* 4.71 PÉ]õÉBÆ÷: nùÉ´ÉÉå ½äþiÉÖ b÷Ò<ÇBB¡ò ºÉä |ÉÊiÉ{ÉÚÌiÉ EòÒ MÉ<Ç ®úÉ榃 / Less: Amounts reimbursed by DEAF towards claims 0.02 0.05 b÷Ò<ÇBB¡ò ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 EòÉ <ÊiÉ ¶Éä¹É / Closing balance of amounts transferred to DEAF 128.57 19.29

* ¨Éɽ +MɺiÉ, 2017 ½äiÉÖ 31.08.2017 EòÉä <Ç-EÖò¤Éä® ¨Éå MɱÉiÉ |ÉÊ´Éʹ] Eäò *An amount of `1,53,909.90 was short remitted to RBI due to EòÉ®hÉ ¦ÉÉÊ®¤Éé EòÉä `1,53,909.90 Eò¨É Ê´É|ÉäʹÉiÉ ÊEòªÉÉ MɪÉÉ* <ºÉ jÉÖÊ] EòÉä erroneous entry in E-Kuber on 31.08.2017 for the month of iÉiEòÉ±É ¦ÉÉÊ®¤Éé EòÉä Ê®{ÉÉä]Ç ÊEòªÉÉ MɪÉÉ +Éè® =xÉEòÒ Bb´ÉÉ<ºÉ Eäò +xÉÖºÉÉ® August , 2017. The error was immediately reported to RBI =CiÉ Eò¨É ®É榃 EòÉä 27.04.2018 EòÉä ¦ÉÉÊ®¤Éé EòÉä Ê´É|ÉäʹÉiÉ ÊEòªÉÉ MɪÉÉ* and as per their advice, the said short amount has been remitted to RBI on 27.04.2018. 5.18. +xɽäþVÉÂb÷ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ BCºÉ{ÉÉäVÉ®ú : 5.18. Unhedged Foreign Currency Exposure: ={ɱɤvÉ b÷É]õÉ, ={ɱɤvÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ +Éè®ú =vÉÉ®úEòiÉÉÇ+Éå ºÉä Based on the available data, available financial |ÉÉ{iÉ PÉÉä¹ÉhÉÉ Eäò +ÉvÉÉ®ú {É®ú ¤ÉéEò xÉä 15 VÉxÉ´É®úÒ 2014 Eäò ¦ÉÉÊ®ú¤Éé statements and declaration from borrowers wherever Eäò {ÉÊ®ú{ÉjÉ b÷Ò¤ÉÒ+Éäb÷Ò ºÉÆ. ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ. 85/21.06.200/2013- received, the Bank has estimated the liability of `2.25 14 +Éè®ú ÊnùxÉÉÆEò 3 VÉÚxÉ 2014 Eäò {ÉÊ®ú{ÉjÉ ºÉÆ. b÷Ò¤ÉÒ+Éäb÷Ò ºÉÆ. crore up to 31st March, 2018 (previous year `9.04 crore) on Unhedged Foreign Currency Exposure to their ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.116/21.06.200/2013-14 ¨Éå ÊnùB MÉB {É®ú´ÉiÉÔ constituents in terms of RBI circular DBOD. º{ɹ]õÒEò®úhÉ Eäò +xÉÖºÉÉ®ú +{ÉxÉä OÉɽþEòÉå Eäò ʱÉB +xɽäþVÉÂb÷ Ê´Énäù¶ÉÒ No.BP.BC.85/21.06.200/2013-14 dated 15th January ¨ÉÖpùÉ BCºÉ{ÉÉäVÉ®ú Eäò ºÉƤÉÆvÉ ¨Éå 31 ¨ÉÉSÉÇ 2018 iÉEò `2.25 Eò®úÉäc÷ 2014 and subsequent clarification vide circular no. (Ê´ÉMÉiÉ ´É¹ÉÇ `9.04 Eò®úÉäc÷) EòÉ +xÉÖ¨ÉÉxÉ ±ÉMÉɪÉÉ ½èþ* ºÉ¨ÉÚSÉÒ DBOD.No.BP.BC.116/21.06.200/2013-14 dated 3rd +xÉÖ¨ÉÉÊxÉiÉ ®úÉ榃 EòÉ {ÉÚhÉÇiɪÉÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ MɪÉÉ ½èþ* June, 2014. The entire estimated amount has been fully provided for. 6. iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ : 6. Liquidity Coverage Ratio: 31 ¨ÉÉSÉÇ 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉɽþÒ ½äþiÉÖ iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ Liquidity Coverage Ratio (LCR) related information for (B±ÉºÉÒ+É®ú) ºÉä ºÉƤÉÆÊvÉiÉ ºÉÚSÉxÉÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ: the year ending March 31, 2018 is given as under;

212 6.1. B±ÉºÉÒ+É®ú |ÉEò]õxÉ 6.1. LCR Disclosure: 31 ¨ÉÉSÉÇ 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 EòÒ Liquidity Coverage Ratio(LCR)-covering all the four SÉÉ®úÉå ÊiɨÉÉʽþªÉÉå EòÉä ¶ÉÉÊ¨É±É Eò®úiÉä ½ÖþB iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ quarters of the FY 2017-18 for the year ended 31st (B±ÉºÉÒ+É®ú) ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ; March, 2018 is given as under; (` Eò®úÉäc÷ ¨Éå) / (` in Crore) Ê´É´É®úhÉ/Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 EÖò±É +¦ÉÉÊ®úiÉ EÖò±É ¦ÉÉÊ®úiÉ EÖò±É +¦ÉÉÊ®úiÉ EÖò±É ¦ÉÉÊ®úiÉ ¨ÉÚ±ªÉ(+ÉèºÉiÉ) ¨ÉÚ±ªÉ(+ÉèºÉiÉ) ¨ÉÚ±ªÉ(+ÉèºÉiÉ) ¨ÉÚ±ªÉ(+ÉèºÉiÉ) Total Unweighted Total Weighted Total Unweighted Total Weighted Value(average) Value(average) Value(average) Value(average) =SSÉ EòÉäÊ]õ EòÒ iÉ®ú±É +ÉκiɪÉÉÆ/

High Quality Liquid Assets 1234567890123456789012 1234567890123456789012

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1234567890123456789012 1234567890123456789012 EÖò±É =SSÉ EòÉäÊ]õ EòÒ iÉ®ú±É +ÉκiɪÉÉÆ(BSÉCªÉÚB±ÉB)/ 1234567890123456789012 1234567890123456789012 1. 1234567890123456789012 1234567890123456789012

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1234567890123456789012 1234567890123456789012 Total High Quality Liquid Assets(HQLA) 1234567890123456789012 371981234567890123456789012 29310 1234567890123456789012 1234567890123456789012 xÉEònùÒ ¤Éʽþ|ÉÇ´Éɽþþ/Cash Outflows 2. JÉÖnù®úÉ VɨÉÉ®úÉʶɪÉÉÆ +Éè®ú UôÉä]äõ ´ªÉɴɺÉÉʪÉEò OÉɽþEòÉå ºÉä |ÉÉ{iÉ VɨÉÉ®úÉʶɪÉÉÆ ÊVÉxɨÉå ºÉä Retail deposits and deposits from small business customers, of which 157757 15487 146311 14365 (i) κlÉ®ú VɨÉÉ ®úÉʶÉ/Stable deposits 5779 289 5318 266

(ii) Eò¨É κlÉ®ú VɨÉÉ®úÉʶÉ/Less stable deposits 151978 15198 140993 14099 3. +|ÉÊiɦÉÚiÉ lÉÉäEò ÊxÉÊvɪÉxÉ ÊVɺɨÉå ºÉä / Unsecured wholesale funding, of which: 16250 6545 14967 6229 (i) {ÉÊ®úSÉɱÉxÉ VɨÉÉ®úÉʶɪÉÉÆ (ºÉ¦ÉÒ |ÉÊiÉ{ÉIÉ) / Operational deposits(all counterparties) - - - - (ii) MÉè®ú {ÉÊ®úSÉɱÉxÉ VɨÉÉ®úÉʶɪÉÉÆ (ºÉ¦ÉÒ |ÉÊiÉ{ÉIÉ)/ Non-operational deposits(all counterparties) 16250 6545 14967 6229 (iii) +|ÉÊiɦÉÚiÉ @ñhÉ/Unsecured debt - - - -

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1234567890123456789012 1234567890123456789012 4. |ÉÊiɦÉÚiÉ lÉÉäEò ÊxÉÊvɪÉxÉ/ 1234567890123456789012 1234567890123456789012 1234567890123456789012 1234567890123456789012

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1234567890123456789012 1234567890123456789012 Secured wholesale funding1234567890123456789012 -1234567890123456789012 - 5. +ÊiÉÊ®úHò +{ÉäIÉÉBÆ ÊVɺɨÉå/ Additional requirements, of which 2190 553 2245 338 (i) bäÊ÷®ú´ÉäÊ]õ´É BCºÉ{ÉÉäVÉ®ú +Éè®ú +xªÉ ºÉÆ{ÉÉÌ·ÉEò +{ÉäIÉÉ+Éå ºÉä ºÉƤÉÆÊvÉiÉ ¤Éʽþ|ÉÇ´Éɽþ Outflows related to derivative exposures and other collateral requirements 431 431 105 105 (ii) @ñhÉ =i{ÉÉnùÉå ºÉƤÉÆvÉÒ ÊxÉÊvɪÉxÉ EòÒ ½þÉÊxÉ ºÉä ºÉƤÉÆÊvÉiÉ ¤Éʽþ|ÉÇ´Éɽþ Outflows related to loss of funding on debt products - - - - (iii) @ñhÉ B´ÉÆ iÉ®ú±ÉiÉÉ ºÉÖÊ´ÉvÉÉBÆ / Credit and liquidity facilities 1759 122 2140 232 6. +xªÉ ºÉÆÊ´ÉnùÉMÉiÉ ÊxÉÊvɪÉxÉ ¤ÉÉvªÉiÉÉBÆ/ Other contractual funding obligations 576 576 604 604 7. +xªÉ +ÉEòκ¨ÉEò ÊxÉÊvɪÉxÉ ¤ÉÉvªÉiÉÉBÆ/ Other contigent funding obligations 18119 544 20316 666 1234567890123456789012 1234567890123456789012

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1234567890123456789012 1234567890123456789012 EÖò±É xÉEònù ¤ÉʽÇþ|É´Éɽþþ/ 1234567890123456789012 1234567890123456789012 8. Total cash Outflows 1234567890123456789012 237041234567890123456789012 22202

213 Ê´É´É®úhÉ/Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ /F.Y. 2016-17 EÖò±É +¦ÉÉÊ®úiÉ EÖò±É ¦ÉÉÊ®úiÉ EÖò±É +¦ÉÉÊ®úiÉ EÖò±É ¦ÉÉÊ®úiÉ ¨ÉÚ±ªÉ(+ÉèºÉiÉ) ¨ÉÚ±ªÉ(+ÉèºÉiÉ) ¨ÉÚ±ªÉ(+ÉèºÉiÉ) ¨ÉÚ±ªÉ(+ÉèºÉiÉ) Total Unweighted Total Weighted Total Unweighted Total Weighted Value(average) Value(average) Value(average) Value(average) xÉEònù +ÆiÉ:|É´Éɽþ/Cash Inflows

9. |ÉÊiɦÉÚiÉ @ñhÉ (+lÉÉÇiÉ Ê®ú´ÉºÉÇ ®äú{ÉÉä)/ Secured lending (e.g. reverse repos) - - - - 10. {ÉÚhÉÇiɪÉÉ Êxɹ{ÉÉnùEò BCºÉ{ÉÉäVÉ®ú ºÉä +ÆiÉ:|É´Éɽþ/ Inflows from fully performing exposures 2802 1401 2864 1432 11. +xªÉ xÉEònùÒ +ÆiÉ:|É´Éɽþ/Other cash inflows 13114 13114 6186 6186

12. EÖò±É xÉEònùÒ +ÆiÉ:|É´Éɽþ/Total Cash Inflows 15915 14514 9051 7619

EÖò±É ºÉ¨ÉɪÉÉäÊVÉiÉ ¨ÉÚ±ªÉ / EÖò±É ºÉ¨ÉɪÉÉäÊVÉiÉ ¨ÉÚ±ªÉ / Total Adjusted Value Total Adjusted Value 123456789012345678901 1234567890123456789012

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123456789012345678901 1234567890123456789012 EÖò±É BSÉCªÉÚB±ÉB/ 123456789012345678901 1234567890123456789012 13. TOTAL HQLA 123456789012345678901 371981234567890123456789012 29310

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123456789012345678901 1234567890123456789012 14. EÖò±É ÊxÉ´É±É xÉEònùÒ +ÆiÉ:|É´Éɽþ/Total Net Cash Outflows 123456789012345678901 91901234567890123456789012 14584 123456789012345678901 1234567890123456789012

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123456789012345678901 1234567890123456789012 iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ/ 123456789012345678901 1234567890123456789012 15. Liquidity Coverage Ratio (%) 123456789012345678901 404.77%1234567890123456789012 200.98%

123456789012345678901 1234567890123456789012 ¦ÉÉÊ®ú¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉxÉÖºÉÉ®ú xÉä {ÉÚ´ÉÇ Eäò ¨ÉÉʺÉEò +ÉvÉÉ®ú Eäò ºÉÉ{ÉäIÉ B±ÉºÉÒ+É®ú EòÒ MÉhÉxÉÉ 1 VÉxÉ´É®úÒ, 2017 ºÉä nèùÊxÉEò +ÉvÉÉ®ú {É®ú Eò®úxÉÉ ¶ÉÖ°ü Eò®ú ÊnùªÉÉ ½èþ* SÉɱÉÚ Ê´ÉiiÒªÉ ´É¹ÉÇ +lÉÉÇiÉ 2017-18 ½äiÉÖ ={ɪÉÖÇCiÉ +ÉÆEòcä 226 ÊnxÉÉå EòÉä Eò´É® Eò®iÉä ½ÖB (MÉè®-EòɪÉÇ Ên´ÉºÉ EòÉä UÉäcEò®) nèÊxÉEò +ÉèºÉiÉ n¶ÉÉÇiÉä ½é* iÉlÉÉÊ{É Ê{ÉU±Éä Ê´ÉiiÉÒªÉ ´É¹ÉÇ Eäò +ÉÆEòcä÷ 31 ÊnùºÉ¨¤É®ú, 2016 iÉEò +ÉèºÉiÉ ¨ÉÉʺÉEò b÷É]õÉ Ë¤ÉnÖù nù¶ÉÉÇiÉä ½é +Éè®ú 1 VÉxÉ´É®úÒ, 2017 ºÉä 31 ¨ÉÉSÉÇ, 2017 iÉEò nèùÊxÉEò b÷É]õÉ Ë¤ÉnÖù nù¶ÉÉÇiÉä ½éþ* In accordance with RBI guidelines, the Bank has started computing LCR on a daily basis from 1st Jan 2017 as against on a monthly basis earlier. For the current fiscal year i.e. 2017-18, the above figures represent a daily average covering 266 days (i.e. excluding non-working days). However, the previous fiscal year figures represent an average of monthly data points up to 31st Dec 2016 and daily data points from 01st Jan 2017 to 31st March 2017. 6.2 B±ÉºÉÒ+É®ú Eäò ºÉƤÉÆvÉ ¨Éå MÉÖhÉÉi¨ÉEò |ÉEò]õxÉ 6.2 Qualitative disclosure around LCR: iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ(B±ÉºÉÒ+É®ú) ¨ÉÉxÉEòÉå EòÉ =qäù¶ªÉ ½èþ ÊEò ¤ÉéEò The Liquidity Coverage Ratio (LCR) standard aims to {ɪÉÉÇ{iÉ ºiÉ®ú {É®ú +¦ÉÉÊ®úiÉ =SSÉ EòÉäÊ]õ EòÒ iÉ®ú±É +ÉκiɪÉÉÆ ¤ÉxÉÉB ®úJÉä ensure that the Bank maintains an adequate level of ÊVɺÉä {ɪÉÇ´ÉäIÉEòÉå uùÉ®úÉ Ê´ÉÊxÉÌnù¹]õ iÉ®ú±ÉiÉÉ EòÒ +iªÉÊvÉEò Eò¨ÉÒ ½þÉäxÉä unencumbered High Quality Liquid Assets (HQLAs) that Eäò κlÉÊiÉ ¨Éå 30 Eò±Éåb÷®ú Ênù´ÉºÉ Eäò ºÉ¨ÉªÉ ¨Éå +{ÉxÉÒ iÉ®ú±ÉiÉÉ VÉ°ü®úiÉÉå can be converted into cash to meet its liquidity needs for EòÉä {ÉÚ®úÉ Eò®úxÉä ½äþiÉÖ xÉEònùÒ ¨Éå ¤Énù±ÉÉ VÉÉ ºÉEòiÉÉ ½èþ* B±ÉºÉÒ+É®ú ¤ÉéEòÉå a 30 calendar day time horizon under a significantly severe liquidity stress scenario specified by supervisors. EòÉä ºÉƦÉÉÊ´ÉiÉ iÉ®ú±ÉiÉÉ PÉ]õxÉä {É®ú +±{ÉEòÉʱÉEò ¤É±É |ÉnùÉxÉ Eò®úiÉÉ ½èþ The LCR promotes short-term resilience of Banks to CªÉÉåÊEò ªÉ½þ ºÉÖÊxÉζSÉiÉ Eò®úÉiÉÉ ½èþ ÊEò ¤ÉéEòÉå Eäò {ÉÉºÉ iÉ®ú±ÉiÉÉ Eäò potential liquidity disruptions by ensuring that they have +iªÉÊvÉEò nù¤ÉÉ´É EòÒ ÎºlÉÊiÉ EòÉ ºÉɨÉxÉÉ Eò®úxÉä ½äþiÉÖ 30 ÊnùxÉÉå ½äþiÉÖ sufficient HQLAs to survive an acute stress scenario {ɪÉÉÇ{iÉ BSÉCªÉÚB±ÉB ½þÉä* lasting for 30 days. iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ (B±ÉºÉÒ+É®ú) = Liquidity Coverage Ratio (LCR) = =SSÉ EòÉäÊ]õ EòÒ iÉ®ú±É +ÉκiɪÉÉå EòÉ º]õÉEò Stock of high quality liquid assets (HQLAs) +MɱÉä 30 Eò±Éåb÷®ú Ênù´ÉºÉÉå ¨Éå EÖò±É ÊxÉ´É±É xÉEònù ¤Éʽþ|ÉÇ´Éɽþ Total net cash outflows over the next 30 calendar days B±ÉºÉÒ+É®ú +{ÉäIÉÉBÆ ¤ÉéEòÉå Eäò ʱÉB 1 VÉxÉ´É®úÒ 2015 ºÉä |ɦÉÉ´ÉÒ ½éþ* ¤ÉéEòÉå EòÉä The LCR requirement has become effective for Banks from January 1, 2015. With a view to provide a transition time for ]ÅõÉÆÊVɶÉxÉ +´ÉÊvÉ |ÉnùÉxÉ Eò®úxÉä Eäò ʱÉB +É®Æ¦É ¨Éå xªÉÚxÉiÉ¨É +{ÉäIÉÉ 60% lÉÒ Banks, the requirement was a minimum of 60% initially, with ÊVɺÉä vÉÒ®ä vÉÒ®ä |ÉÊiɴɹÉÇ 10% ÊxɨxÉÉxÉÖºÉÉ® ¤ÉgɪÉÉ VÉÉxÉÉ ½è gradual increase of 10% every year, as specified below.

ºÉ¨ÉªÉ +´ÉÊvÉ/Time Period 1 VÉxÉ´É®úÒ 2015 1 VÉxÉ´É®úÒ 2016 1 VÉxÉ´É®úÒ 2017 1 VÉxÉ´É®úÒ 2018 1 VÉxÉ´É®úÒ 2019 January 1, 2015 January 1, 2016 January 1, 2017 January 1, 2018 January 1, 2019 xªÉÚxÉiÉ¨É B±ÉºÉÒ+É®ú +{ÉäIÉÉ Minimum LCR Requirement 60% 70% 80% 90% 100%

Eò±Ééb® ´É¹ÉÇ 2017 Eäò nÉè®ÉxÉ B±ÉºÉÒ+É® +{ÉäIÉÉ 80% lÉÒ +Éè® +¤É 1 The LCR requirement was 80% during the calendar year 2017 VÉxÉ´É®Ò, ºÉä ¤ÉgEò® ½Éä MÉ<Ç ½è* ¤ÉéEò xÉä ´É¹ÉÇ ¦É®ú B±ÉºÉÒ+É®ú EòÒ and has now increased to 90% since 01st January 2018. The 2018 90% Bank was in compliance with the minimum regulatory xªÉÚxÉiÉ¨É Ê´ÉÊxɪÉɨÉEò +{ÉäIÉÉ EòÉ {ÉɱÉxÉ ÊEòªÉÉ lÉÉ* requirement for LCR throughout the year. 214 +ÆiÉ®úÉ +´ÉÊvÉ {ÉÊ®ú´ÉiÉÇxÉ +Éè®ú ºÉ¨ÉªÉ Eäò ºÉÉlÉ ½ÖþB {ÉÊ®ú´ÉiÉÇxÉ Intra period changes as well as changes over time: ¤ÉéEò EòÉ B±ÉºÉÒ+É®ú +ÊxÉ´ÉɪÉÇ +{ÉäIÉÉ+Éå ºÉä >ð{É®ú ¤ÉxÉÉ ®ú½þÉ* ¦ÉÉ®iÉ ºÉ®EòÉ® The LCR of the Bank has been well above the mandatory Eäò =SSÉ ¨ÉÚ±ªÉ Eäò Eò®åºÉÒ xÉÉä]Éå Eäò ʴɨÉÖpÒEò®hÉ Eäò ¤ÉÉn ¤ÉéEò EòÉä ¤ÉcÒ ¨ÉÉjÉÉ requirements. Following Government of India's demonetization ¨Éå VɨÉÉ®ÉʶɪÉÉÆ |ÉÉ{iÉ ½Ö<È ÊVɺÉEäò {ÉÊ®hÉɨɺ´É°ü{É iÉ®±É ÊxÉÊvɪÉÉå EòÒ ={ɱɤvÉiÉÉ of high value currency notes, the Bank received large inflow of deposits resulting in surplus availability of liquid funds. Such EòÉ +ÊvɶÉä¹É ½Éä MɪÉÉ* BäºÉä +ÊvɶÉä¹É EòÒ ÊºlÉÊiÉ ´É¹ÉÇ ¦É® ¤ÉxÉÒ ®½Ò ÊVɺɺÉä surplus position continued throughout the year leading to ¤ÉéEò Eäò iÉ®±ÉiÉÉ Eò´É®äVÉ +xÉÖ{ÉÉiÉ Eò® ºiÉ® =SSÉ ¤ÉxÉÉ ®½É* elevated level of Liquidity Coverage Ratio of the Bank. B±ÉºÉÒ+É®ú Eäò ¨ÉÖJªÉ EòÉ®úEò: Main drivers of LCR: BºÉB±É+É®ú +{ÉäIÉÉ Eäò +ÆiÉMÉÇiÉ ½þ¨ÉÉ®äú ¤ÉéEò ¨Éå B±ÉºÉÒ+É®ú {ÉÊ®úhÉɨÉÉå ½äþiÉÖ ¨ÉÖJªÉ In our Bank, the main drivers for LCR results are, EòÉ®úEò <ºÉ |ÉEòÉ®ú ½éþ*  The comfortable level of high quality liquid Govt.  +ÊxÉ´ÉɪÉÇ BºÉB±É+É®ú +{ÉäIÉÉ Eäò +ÊiÉÊ®úHò ¤ÉxÉÉB ®úJÉä MÉB =SSÉ Securities maintained over the mandatory SLR EòÉäÊ]õ EòÒ iÉ®ú±É ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉå EòÉ +xÉÖEÚò±É ºiÉ®ú ÊVÉx½åþ requirement, which can be sold or repo in the ºÉ½þVÉ iÉ®ú±ÉiÉÉ |ÉÉ{iÉ Eò®úxÉä ½äþiÉÖ ºÉäEåòb÷®úÒ ¤ÉÉVÉÉ®ú ¨Éå ¤ÉäSÉÉ ªÉÉ ®äú{ÉÉä secondary market to avail easy liquidity; ÊEòªÉÉ VÉÉ ºÉEòiÉÉ ½èþ*  Reasonable level of cash and excess CRR balances;  xÉEònùÒ EòÉ ºÉ¨ÉÖÊSÉiÉ ºiÉ® +Éè® +ÊiÉÊ®CiÉ ºÉÒ+É®+É® ¶E?¹Eú*  Surplus liquid funds available with the Bank, lent in  ¤ÉéEò Eäò {ÉÉºÉ ={ɱɤvÉ +ÊvɶÉä¹É iÉ®±É ÊxÉÊvɪÉÉÆ BEò Ên´ÉºÉÒªÉ/ the overnight / term money market. ¨ÉÒªÉÉnÒ ¨ÉÖpÉ ¤ÉÉVÉÉ® ¨Éå =vÉÉ® nÒ VÉÉiÉÒ ½é*  Liquidity facilities available from RBI under Marginal Standing Facility (MSF) and Facility to avail Liquidity  ¨ÉÉÌVÉxÉ±É º]éõËb÷MÉ ¡äòʺÉʱÉ]õÒ Eäò +ÆiÉMÉÇiÉ ¦ÉÉÊ®ú¤Éé ºÉä ={ɱɤvÉ for Liquidity Coverage Ratio (FALLCR); as also +ÊiÉÊ®úHò iÉ®ú±ÉiÉÉ ºÉÖÊ´ÉvÉÉ +Éè®ú iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ ½äþiÉÖ surplus funds lent in the overnight/term money iÉ®ú±ÉiÉÉ |ÉÉ{iÉ Eò®úxÉä EòÒ ºÉÖÊ´ÉvÉÉ (B¡òBB±ÉB±ÉºÉÒ+É®ú) market;

 JÉÖnù®úÉ OÉɽþEòÉå ºÉä =SSÉ ºiÉ®ú EòÒ JÉÖnù®úÉ VɨÉÉ®úÉʶɪÉÉÆ ÊVÉxÉEòÉ  Majority of deposits from retail customers which are nù¤ÉÉ´É EòÒ {ÉÊ®úκlÉÊiÉ ¨Éå PÉ]õxÉä EòÒ Eò¨É ºÉƦÉÉ´ÉxÉÉ ½þÉäiÉÒ ½èþ* expected to have low run-offs under stressed conditions. BSÉCªÉÚB±ÉB EòÉ ºÉÆPÉ]õxÉ Composition of HQLA: ¤ÉéEò Eäò BSÉCªÉÚB±ÉB ¨Éå ¤Éc÷É ¦ÉÉMÉ ºiÉ®ú 1 EòÒ +ÉκiɪÉÉÆ ½èþ +lÉÉÇiÉ +iªÉÆiÉ Major portion of the Bank's HQLAs constitute of Level 1 Assets iÉ®ú±É º´É°ü{É EòÒ +ÉκiɪÉÉÆ*

215 +xªÉ |ÉɺÉÆÊMÉEò xÉEònùÒ |É´Éɽþ: Other Relevant Major Cash Flows: ¤ÉéEò EòÉ ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ ºÉƺlÉÉ+ÉåÆ +Éè® EòÉ®ú{ÉÉä®äú]õ Eäò ¤ÉÉÆb÷Éå ¨Éå {ɪÉÉÇ{iÉ Bank has sizeable investments in bonds of Public Sector ÊxÉ´Éä¶É ½èþ ÊVÉx½åþ Ê´ÉkÉÒªÉ IÉäjÉ ¨Éå ½þÉäxÉä Eäò EòÉ®úhÉ B±ÉºÉÒ+É®ú EòÒ MÉhÉxÉÉ ºÉä Entities and Corporates which are excluded from LCR ¤Éɽþ®ú ®úJÉÉ MɪÉÉ ½èþ* ¤ÉéEò EòÉ Ê´É·ÉÉºÉ ½èþ ÊEò nù¤ÉÉ´É EòÒ ÎºlÉÊiÉ ¨Éå ¦ÉÒ ªÉä computation on account of being in the financial sector. The Bank believes that, even under stressed conditions, these ÊxÉ´Éä¶É ºÉ¨ÉÖÊSÉiÉ UÆô]õÉ<Ç Eäò ¤ÉÉnù ¦ÉÒ iÉ®ú±ÉiÉÉ Eäò ʴɷɺÉxÉÒªÉ »ÉÉäiÉ EòÉ EòɪÉÇ investments can serve as a reliable source of liquidity, albeit Eò®ú ºÉEòiÉÒ ½è* ºÉ¦ÉÒ ¤É̽þ|É´Éɽ ÊVɺÉä ¤ÉéEò {ɪÉÉÇ{iÉ ¨ÉÉxÉiÉÒ ½èþ +lÉ´ÉÉ ÊVÉxÉEòÉ with appropriate haircuts. All outflows that the Bank considers <ºÉEòÒ iÉ®ú±ÉiÉÉ {É®ú |ɦÉÉ´É ½èþ EòÒ MÉhÉxÉÉ B±ÉºÉÒ+É®ú Eäò ʱÉB EòÒ MÉ<Ç ½èþ* to be sizeable or bearing an impact on its liquidity are accounted for in the LCR computation. 6.3 ´ÉäiÉxÉ ºÉƶÉÉävÉxÉ Eäò EòÉ®hÉ |ÉÉ´ÉvÉÉxÉ 6.3. Provision on account of Wage Revision:

Eò¨ÉÇSÉÉÊ®ªÉÉå Eäò ´ÉiÉxÉ ºÉƶÉÉävÉxÉ (11´ÉÉÆ Êu{ÉIÉÒªÉ ºÉ¨ÉZÉÉèiÉÉ) Eäò EòÉ®hÉ, To meet the probable load on the Bank on account of th VÉÉä +É<ǤÉÒB Eäò ºÉÉlÉ Ê´ÉSÉÉ®ÉvÉÒxÉ ½è +Éè® xɴɨ¤É®, 2017 ºÉä näªÉ ½è, wage revision of employees (11 bipartite settlement) ¤ÉéEò {É® ºÉƦÉÉÊ´ÉiÉ ¦ÉÉ® EòÉä {ÉÚ®É Eò®xÉä Eäò ʱÉB ¤ÉéEò xÉä SÉɱÉÚ Ê´ÉiiÉÒªÉ which is under discussion with IBA and due from November, 2017, the Bank has made an adhoc provision ´É¹ÉÇ Eäò nÉè®ÉxÉ `108.00 Eò®Éäc EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ ½è* of `108.00 Crore during the current financial year.

7. +ÉEòκ¨ÉEò näùªÉiÉÉBÄ 7. Contingent Liabilities: Such liabilities as mentioned at Sl. No.(I) to (VI) in iÉÖ±ÉxÉ {ÉjÉ EòÒ +xÉÖºÉÚSÉÒ 12 Eäò Gò¨É ºÉÆJªÉÉ (I) ºÉä (VI) ¨Éå ªÉlÉÉ =α±ÉÊJÉiÉ BäºÉÒ näùªÉiÉÉBÄ Gò¨É¶É: xªÉɪÉɱɪÉ/+É̤É]Åäõ¶ÉxÉ/xªÉɪÉÉ±ÉªÉ Eäò schedule 12 of Balance Sheet are dependent upon the outcome of court / arbitration / out of court settlement, ¤Éɽþ®ú ÊxÉ{É]õÉxÉ Eäò {ÉÊ®úhÉɨÉÉå, +{ÉÒ±ÉÉå Eäò ÊxÉ{É]õÉxÉ, ¨ÉÉÆMÉ EòÒ MÉ<Ç ®úÉʶÉ, disposal of appeals, the amount being called up, terms ºÉÆÊ´ÉnùÉMÉiÉ ¤ÉÉvªÉiÉÉ+Éå EòÒ ¶ÉiÉÉç, PÉ]õxÉÉGò¨ÉÉå +Éè®ú ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®úÉå of contractual obligations, devolvement and raising of uùÉ®úÉ EòÒ MÉ<Ç ¨ÉÉÆMÉ {É®ú ÊxɦÉÇ®ú ½éþ* demand by concerned parties respectively.

¦ÉÚiÉ{ÉÚ´ÉÇ +ɱɤÉéEò ¡òÉ

9. +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉå Eäò +ÆiÉMÉÇiÉ vÉÉÊ®úiÉ |ÉÉ´ÉvÉÉxÉ Eäò IÉäjÉ´ÉÉ®ú ¥ÉäEò+{É 9. Sector wise break-up of provision held under non- EòÉä ºÉEò±É +ÊOÉ¨É ºÉä +xÉÖ¨ÉÉÊxÉiÉ +ÉvÉÉ®ú {É®ú PÉ]õÉ ÊnùªÉÉ MɪÉÉ ½èþ iÉÉÊEò performing advances is deducted on estimated basis from iÉÖ±ÉxÉ {ÉjÉ EòÒ +xÉÖºÉÚSÉÒ 9 ¨Éå ªÉlÉÉäHò ÊxÉ´É±É +ÊOÉ¨É EòÉ ¶Éä¹É ÊxÉEò±É gross advances to arrive at the balance of net advances ºÉEäò* as stated in the Schedule-9 of the Balance Sheet. 10. |ÉÉlÉʨÉEòiÉÉ IÉäjÉ +ÊOÉ¨É ¨Éå ¤ÉéEò uùÉ®úÉ <±ÉɽþɤÉÉnù ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò ºÉä 10. Priority Sector Advances include `NIL (previous year VÉÉäÊJÉ¨É ¤ÉÆ]õ´ÉÉ®äú Eäò +ÉvÉÉ®ú {É®ú GòªÉ ÊEòB MÉB |ÉiªÉIÉ EÞòÊ¹É +ÊOɨÉÉå Eäò `450.00 Crore) on account of Inter Bank Participation +ÆiÉ®ú ¤ÉéEò ºÉ½þ¦ÉÉÊMÉiÉÉ |ɨÉÉhÉ{ÉjÉ ½äþiÉÖ `¶ÉÚxªÉ (Ê´ÉMÉiÉ ´É¹ÉÇ `450 Certificates (IBPC) of Direct Agriculture Advances Eò®úÉäc÷) ¶ÉÉÊ¨É±É ½éþ* <ºÉÒ |ÉEòÉ®ú ¤ÉéEò uùÉ®úÉ <±ÉɽþɤÉÉnù ªÉÚ{ÉÒ OÉɨÉÒhÉ purchased by the Bank on risk sharing basis from

216 ¤ÉéEò EòÉä ¤ÉäSÉä MÉB MÉè®ú |ÉÉlÉʨÉEòiÉÉ IÉäjÉ Eäò +ÆiÉ®ú ¤ÉéEò ºÉ½þ¦ÉÉÊMÉiÉÉ Allahabad U.P. Gramin Bank. Likewise, `NIL (previous |ɨÉÉhÉ{ÉjÉ ½äþiÉÖ `¶ÉÚxªÉ (Ê´ÉMÉiÉ ´É¹ÉÇ 450 Eò®úÉäc÷) EòÉä +ÊOɨÉÉå ¨Éå ºÉä year `450.00 Crore) has been reduced from advances PÉ]õɪÉÉ MɪÉÉ ½èþ* being amount of Inter Bank participation Certificates of non-priority sector advances sold by the Bank to Allahabad U.P.Gramin Bank. 11. ¤ÉɺÉä±É-*** {ÉÚÆVÉÒ Ê´ÉÊxÉªÉ¨É Eäò ºÉƤÉÆvÉ ¨Éå ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò {ÉÊ®ú{ÉjÉ 11. In accordance with RBI circular DBOD.No.BP.BC.2/ b÷Ò¤ÉÒ+É®ú ºÉÆ. ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.80/21.06.201/2014-15 ÊnùxÉÉÆEò 31 21.06.201/2015-16 dated 1st July, 2015, on 'Basel III ¨ÉÉSÉÇ 2015 Eäò ºÉÉlÉ {ÉÊ`ööööiÉ ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò {ÉÊ®ú{ÉjÉ b÷Ò¤ÉÒ+Éäb÷Ò capital Regulation' read together with RBI circular ºÉÆ. ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.2/21.06.201/2015-16 ÊnùxÉÉÆEò 01 VÉÖ±ÉÉ<Ç 2015 DBR.No.BP.BC.80/21.06.201/2014-15 dated March Eäò +xÉÖºÉÉ®ú ¤ÉéEòÉå EòÉä {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ +Éè®ú iÉ®ú±ÉiÉÉ ¨ÉÉxÉEò ºÉƶÉÉävÉxÉ 31,2015 on 'Prudential Guidelines on Capital Adequacy and Liquidity Standard Amendments' requires banks to ºÉƤÉÆvÉÒ Ê´É´ÉäEò{ÉÚhÉÇ Ênù¶ÉÉÊxÉnæù¶ÉÉå Eä +xÉÖºÉÉ®ú ¤ÉɺÉä±É-III ºÉÆ®úSÉxÉÉ Eäò +ÆiÉMÉÇiÉ ±Éä´É®äúVÉ +xÉÖ{ÉÉiÉ +Éè®ú iÉ®ú±ÉiÉÉ Eò´É®äúVÉ +xÉÖ{ÉÉiÉ ºÉʽþiÉ |ɪÉÉäVªÉ make applicable Pillar 3 disclosures including leverage ratio and liquidity coverage ratio under the Basel III Ê{ɱɮú 3 |ÉEò]õxÉ Eò®úxÉÉ +{ÉäÊIÉiÉ ½èþþ* ò|ÉEò]õxÉ EòÉä ¤ÉéEò EòÒ ÊxÉΨxÉʱÉÊJÉiÉ Framework. These disclosures are being made available ´Éä¤ÉºÉÉ<]õ ˱ÉEò {É®ú ={ɱɤvÉ Eò®úɪÉÉ MɪÉÉ ½èþ (https:// on Bank's website www.allahabadbank.in. www.allahabadbank.in/english/home.aspx) 12. ¤ÉéEò xÉä Eò¨ÉÇSÉÉ®Ò ¶ÉäªÉ® GòªÉ ªÉÉäVÉxÉÉ +lÉÉÇiÉ ‘+ɱɤÉéEò<ÇBºÉ{ÉÒBºÉ’ Eäò 12. The Bank made an offer of upto 5 (five) crore new equity ` +ÆiÉMÉÇiÉ +{ÉxÉä {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå EòÉä `10.00 |ÉiªÉäEò Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ shares of face value of 10.00 each to its eligible employees under an Employee Share Purchase Scheme Eäò 5({ÉÉÆSÉ) Eò®Éäb xÉB ¶ÉäªÉ® `53.94 |ÉÊiÉ ¶ÉäªÉ® Eäò ÊxÉMÉǨÉ/|ɪÉÉäMÉ namely "AllBank-ESPS" at an issue/exercise price of ¨ÉÚ±ªÉ {É® |ɺiÉÉ´É ÊnªÉÉ ½è* ÊxÉMÉǨÉ/|ɪÉÉäMÉ ¨ÉÚ±ªÉ EòÉ ÊxÉvÉÉÇ®hÉ <ÇBºÉ{ÉÒBºÉ `53.94 per share. The Issue/Exercise Price was fixed by ºÉƤÉÆvÉÒ ÊxÉnä¶ÉEòÉå EòÒ ºÉʨÉÊiÉ uÉ®É `71.92 Eäò +ÉvÉÉ® ¨ÉÚ±ªÉ {É® the Committee of Directors on ESPS at a discount of 25.00% Ê=ºEòÉ=Æ] {É® ÊEòªÉÉ MɪÉÉ ½è* ¤ÉéEò uÉ®É +{ÉxÉä {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå 25.00% on the floor price of `71.92 per share. Out of EòÉä |ɺiÉÉÊ´ÉiÉ =CiÉ {ÉÉÆSÉ Eò®Éäb1 ¶ÉäªÉ®Éå ¨Éå ºÉä 21742 {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå said five crore shares offered by the Bank to its Eligible uÉ®É 43829778 ¶ÉäªÉ®Éå EòÉ ´ÉèvÉ °ü{É ºÉä |ɪÉÉäMÉ ÊEòªÉÉ MɪÉÉ ½è* Employees, 4,38,29,778 shares were validly exercised by the 21,742 Eligible Employees. The allotment of shares <ÇBºÉ{ÉÒBºÉ Eäò +ÆiÉMÉÇiÉ +ɤÉÆ]xÉ 03.03.2018 EòÉä ÊEòªÉÉ MɪÉÉ* +ɱɤÉéEò- <ÇBºÉ{ÉÒBºÉ Eäò +ÆiÉMÉÇiÉ +{ÉxÉä {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå EòÉä xÉB under the AllBank-ESPS were made on 03.03.2018. The 43829778 Bank received an amount of `236,41,78,225.32 (Rupees <ÊC´É]Ò ¶ÉäªÉ®Éå Eäò ÊxÉMÉÇ¨É +Éè® +ɤÉÆ]xÉ ºÉä ¤ÉéEò EòÉä +ʦÉnÉxÉ/|ɪÉÉäMÉ two hundred thirty six crore forty one lakh seventy eight ®É榃 Eäò °{É ¨Éå `236,41,78, 225.32 (¯{ÉB nÉä ºÉÉè UiiÉÒºÉ Eò®Éäc thousand two hundred twenty five and paise thirty two

13. ¤ÉéEò xÉä Ê´ÉiiÉÒªÉ ´É¹ÉÇ 2016-17 ½äiÉÖ ¦ÉÉ®iÉ ºÉ®EòÉ® (¦ÉÉ®iÉ Eäò ®É¹]Å{ÉÊiÉ) 13. The Bank has issued and allotted 5,65,24,678 new equity ` ` ºÉä 31.03.2017 EòÉä ¤ÉéEò uÉ®É |ÉÉ{iÉ `418 Eò®Éäc Eäò {ÉÚÆVÉÒ +ÆiÉ:|É´Éɽ shares of face value of 10.00 at an issue price of 73.95 ` Eäò ºÉÉ{ÉäIÉ `10/- |ÉiªÉäEò Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò 5,65,34,678 xÉB including a premium of 63.95 per equity share to Government of India (President of India) on preferential <ÎC´É]õÒ ¶ÉäªÉ®úÉåú EòÉ `73 Eäò ÊxÉMÉÇ¨É ¨ÉÚ±ªÉ {É®ú |ÉÊiÉ ¶ÉäªÉ®ú, `63 .95 .95 basis on 07.08.2017 against the capital infusion of `418 |ÉÊiÉ ¶ÉäªÉ®ú |ÉÒÊ¨ÉªÉ¨É ºÉʽþiÉ ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú(¦ÉÉ®úiÉ Eäò ®úɹ]Åõ{ÉÊiÉ) EòÉä Crore received by the Bank on 31.03.2017 from 07.08.2017 EòÉä EÖò±Éú +ÊvɨÉÉxÉÒ +ÉvÉÉ®ú {É®úú ÊxÉMÉÇ¨É +Éè®ú +ɤÉÆ]õxÉ Government of India (President of India) for FY 2016-17. ÊEòªÉÉ ½èþ* Ê´ÉiiÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nÉè®ÉxÉ ¤ÉéEò EòÉä {ÉÒBºÉ¤ÉÒ During FY 2017-18, the Bank received capital infusion ` Ê®EèòÊ{É]±ÉÉ

15. Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä iÉÒxÉ ¸ÉÞÆJɱÉÉ+Éå ¨Éå ¤ÉɺÉä±É 15. During the financial year 2017-18, the Bank raised *** +xÉÖ{ÉÉʱÉiÉ +ÊiÉÊ®úHò ]õҪɮú 1 ¶Éɶ´ÉiÉ ¤ÉÉÆb Eäò ÊxÉVÉÒ ºlÉÉxÉxÉ Eäò Additional Tier 1 Capital aggregating to `1200 crore ¨ÉÉvªÉ¨É ºÉä EÖò±É `1200 Eò®úÉäc÷ EòÒ +ÊiÉÊ®úHò ]õҪɮú 1 {ÉÚÆVÉÒ =MÉÉ½Ò through private placement of BASEL-III compliant Additional Tier 1 perpetual Bonds in three tranches. ½è* iÉlÉÉÊ{É ºÉ¨ÉºiÉ ¤ÉEòɪÉÉ B]Ò+É<Ç ¶ÉɪɴÉiÉ ¤ÉÉÆb (ºÉÉ®ÒVÉ I ºÉä IV) However, the entire outstanding AT1 perpetual Bonds ` Eäò EÖò±É 1500 Eò®Éäc EòÉä ¤ÉéEò xÉä 07.05.2018 EòÉä (¨ÉÚ±ÉvÉxÉ +Éè® (Series I to IV) aggregating to `1500 crore has been näªÉ ¤ªÉÉVÉ) Ê´ÉEòxɪÉɨÉEò EòÉ±É (¤ÉéEò EòÉä ¦ÉÉÊ®¤Éé Eäò {ÉÒºÉÒB fÉÆSÉä Eäò repaid by the bank on 07.05.2018 (both principal and +ÆiÉMÉÇiÉ ®JÉÉ MɪÉÉ ½è) Eäò |ɪÉÉäMÉ Eäò ¨ÉÉvªÉ¨É ºÉä SÉÖEòiÉÉ Eò® ÊnªÉÉ ½è due interest) through exercise of Regulatory Call (the Bank placed under PCA framework of RBI). 16. ¤ÉéEòEòÉ®úÒ EÆò{ÉÊxɪÉÉÆ (={ÉGò¨ÉÉå EòÉ +VÉÇxÉ +Éè®ú +ÆiÉ®úhÉ) +ÊvÉÊxɪɨÉ, 16. In terms of the provisions of Section 10B of the Banking 1970 EòÒ vÉÉ®úÉ 10¤ÉÒ (16.10.2006 EòÉä +ÆiÉ:ºlÉÉÊ{ÉiÉ) Eäò ={ɤÉÆvÉÉå Companies (Acquisition and Transfer of Undertakings) +Éè®ú ¦ÉÉ®úiÉ ºÉ®úEòÉ®ú, Ê´ÉkÉ ¨ÉÆjÉÉ±ÉªÉ uùÉ®úÉ ÊnùxÉÉÆEò 21.05.2014 Eäò Act, 1970(Inserted on 16.10.2006) and in terms of {ÉjÉ ºÉÆ. B¡ò. ºÉÆ.7/93/2013 ¤ÉÒ+ÉäB Eäò iɽþiÉ VÉÉ®úÒ Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò directives issued by the Government of India, Ministry of +xÉÖºÉÉ®ú Ê´ÉkÉÒªÉ ´É¹ÉÇ 2009-10 iÉEò Eäò ¤ÉéEò Eäò +nùkÉ +Éè®ú +nùÉ´ÉÒ Finance vide their letter No.F.No.7/93/2013-BOA dated 21.05.2014, the unpaid and unclaimed dividends of the ±ÉɦÉÉÆ¶É EòÉä Eäòxpù ºÉ®úEòÉ®ú uùÉ®úÉ ºlÉÉÊ{ÉiÉ ÊxÉ´Éä¶ÉEò ʶÉIÉÉ +Éè®ú ºÉÖ®úIÉÉ Bank for the FY 2009-10 have been transferred to ÊxÉÊvÉ (+É<Ç<Ç{ÉÒB¡ò) ¨Éå +ÆiÉÊ®úiÉ ÊEòªÉÉ MɪÉÉ ½èþ* Investors Education & Protection Fund (IEPF) established by the Central Government. 17. Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä `114.63 Eò®úÉäc÷ Eäò ÊxÉ´É±É 17. During the FY 2017-18, Bank has assigned financial ` ¤É½þÒ ¨ÉÚ±ªÉ EòÒ Ê´ÉkÉÒªÉ +ÉκiɪÉÉÆ +ÉκiÉ {ÉÖxÉMÉÇ`ööööxÉ EÆò{ÉÊxɪÉÉå EòÉä `652.18 assets having a net book value of 114.63 crore to Assets Eò®úÉäc÷ Eäò |ÉÊiÉ¡ò±É {É®ú ºÉ¨ÉxÉÖnäùʶÉiÉ EòÒ ½èþ*

18. Ên´ÉɱÉÉ +Éè® Ên´ÉÉʱɪÉÉ{ÉxÉ ºÉÆʽiÉÉ (+É<ǤÉÒºÉÒ) Eäò ={ɤÉÆvÉÉå Eäò +ÆiÉMÉÇiÉ 18. In terms of RBI directions vide letter No.DBR.No. ¶ÉÉÊ¨É±É EòÊiÉ{ÉªÉ BxÉ{ÉÒB JÉÉiÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ¦ÉÉÊ®¤ÉéEò Eäò {ÉjÉ ºÉÆ. BP:15199/21.04.048/2016-17 dated 23rd June, 2017 and bÒ¤ÉÒ+É®.ºÉÆ. ¤ÉÒ{ÉÒ:15199/21.04.048/2016-17 ÊnxÉÉÆEò 23 VÉÚxÉ, letter No. DBR. No. BP.BC.1841/21.04.048/2017-18 dated August 28, 2017, in respect of certain NPA accounts 2017 +Éè® {ÉjÉ ºÉÆ bÒ¤ÉÒ+É®. ºÉÆ. ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.1841/21.048/2017- covered under the provisions of insolvency and 18 ÊnxÉÉÆEò 28 +MɺiÉ, 2017 Eäò iɽþiÉ ÊnB MÉB Ên¶ÉÉÊxÉnæ¶ÉÉå Eäò Bankruptcy Code (IBC), the Bank has made additional +xÉÖºÉÉ® ¤ÉéEò Eäò ʱÉB +ÊiÉÊ®CiÉ |ÉÉ´ÉvÉÉxÉ Eò®xÉÉ +{ÉäÊIÉiÉ lÉÉ* iÉnxÉÖºÉÉ®, provision of `672.61 crores as at 31st March, 2018. ¤ÉéEò xÉä 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉʺlÉÊiÉ `672.61 Eò®úÉäc÷ EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ* 19. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉֺɮúhÉ ¨Éå 2017-18 Eäò 19. Pursuant to RBI guidelines the Bank has recalculated nùÉè®úÉxÉ {ÉÖxÉMÉÇÊ`öööiÉ +ÊOɨÉÉå Eäò =ÊSÉiÉ ¨ÉÚ±ªÉ ¨Éå ¿ÉºÉ EòÒ {ÉÖxÉ: MÉhÉxÉÉ EòÒ the diminution in the fair value of restructured advances and has written back provision of `106.84 crore during ½èþ +Éè®ú `106.84 Eò®úÉäc÷ EòÉ |ÉÊiÉʱÉÊJÉiÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ ½èþ* the year 2017-18. 20. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ{ÉɱÉxÉ ¨Éå +ÉκiÉ MÉÖhÉ´ÉkÉÉ 20. In compliance with RBI directives, accounts shown under ºÉ¨ÉÒIÉÉ (BCªÉÚ+É®ú) Eäò +xÉÖ¤ÉÆvÉ III ¨Éå nù¶ÉÇB MÉB JÉÉiÉÉä, ÊVÉxɨÉå EòÉÇÊxɹ{ÉÉnùxÉ Annex III of Asset Quality Review (AQR) wherein ¨ÉÖqùÉå +lÉ´ÉÉ EòÊiÉ{ÉªÉ ¶ÉiÉÉç EòÉ +xÉÖ{ÉɱÉxÉ xÉ Eò®úxÉä Eäò EòÉ®úhÉ {ÉÖxÉMÉÇ`öööxÉ restructuring was failed due to performance issues or non Ê´É¡ò±É ½þÉä MɪÉÉ lÉÉ +Éè®ú ¦ÉÉÊ®ú¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú

218 21. ¦ÉÉÊ®ú¤Éé {ÉÊ®ú{ÉjÉ B¡ò+É<Çb÷Òb÷Ò.ºÉÒ+Éä.ªÉÉäVÉxÉÉ.¤ÉÒºÉÒ.23/04.09.01/15- 21. In terms of RBI circular FIDD.CO.Plan.BC.23/04.09.01/ 16 ÊnùxÉÉÆEò 7 +|Éè±É 2016 Eäò +xÉÖºÉÉ®ú 31 ¨ÉÉSÉÇ, 2018 EòÉä 2015-16 dated April 7, 2016 Bank has sold PSLC General ` ` ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ `5255 Eò®Éäc( Ê´ÉMÉiÉ ´É¹ÉÇ `1265.75 Eò®Éäc) EòÉ to the tune of 5255 crore ( 1265.75 crore in previous ` {ÉÒBºÉºÉÒB±É ºÉɨÉÉxªÉ, `1080 Eò®Éäc EòÉ {ÉÒBºÉB±ÉºÉÒ ¨ÉÉ

(` Eò®úÉäc÷ ¨Éå) / (` in crore)

1. Ê{ÉU±Éä ´É¹ÉÇ ºÉä +ÉMÉä ±ÉɪÉÉ MɪÉÉ ±ÉɦÉ/(½ÉÊxÉ) Profit/(Loss) brought forward from previous year (673.60) 2. VÉÉäcå: ºÉ¨ÉɨÉä±ÉxÉ {É® +ɱɤÉéEò ¡òÉ

24. ¤ÉéEòEòÉ®úÒ Ê´ÉÊxɪɨÉxÉ +ÊvÉÊxÉªÉ¨É 1949 EòÒ vÉÉ®úÉ 17 EòÒ ={ÉvÉÉ®úÉ 24. Under sub section (1) of section 17 of the Banking (1) Eäò +ÆiÉMÉÇiÉ ¦ÉÉ®úiÉ ¨Éå ÊxÉMÉʨÉiÉ ½þ®ú ¤ÉéËEòMÉ EÆò{ÉxÉÒ ºÉä ªÉ½þ +{ÉäÊIÉiÉ Regulation Act, 1949 every Banking company ½èþ ÊEò ´É½þ |ÉÊiÉ ´É¹ÉÇ +{ÉxÉä ±ÉÉ¦É EòÉ Ê´ÉÊxÌnù¹]õ +Æ¶É Ê®úVÉ´ÉÇ ¡Æòb÷ ¨Éå incorporated in India is required to transfer specified b÷ɱÉä* iÉlÉÉÊ{É ´ÉiÉǨÉÉxÉ ´É¹ÉÇ ¨Éå ½þÉÊxÉ EòÒ ÎºlÉÊiÉ EòÉä näùJÉiÉä ½ÖþB ºÉÉÆÊ´ÉÊvÉEò percentage of its Profits to its Reserve Fund each year. However, in view of Loss position in the current year no +É®úÊIÉiÉ ÊxÉÊvÉ ¨Éå EòÉä<Ç ®úÉ榃 +ÆiÉÊ®úiÉ xɽþÓ EòÒ MÉ<Ç* amount has been transferred to Statutory Reserve.

25. {ÉÚÆVÉÒ {ɪÉÉÇ{iÉiÉÉ +xÉÖ{ÉÉiÉ EòÒ MÉhÉxÉÉ ¦ÉÉÊ®ú¤Éé Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +ÉvÉÉ®ú 25. The Capital Adequacy Ratio is computed on the basis of {É®ú |ɪÉÉäVªÉ Ê®ú{ÉÉäÍ]õMÉ ÊiÉÊlɪÉÉå EòÉä EòÒ VÉÉiÉÒ ½èþ +Éè®ú Ê{ÉUô±ÉÒ ºÉoù¶ªÉ RBI guidelines applicable on the relevant reporting dates +´ÉÊvÉ Eäò +xÉÖ{ÉÉiÉ EòÉä {É®ú´ÉiÉÔ {ÉÊ®ú´ÉiÉÇxÉÉå, ªÉÊnù EòÉä<Ç ½þÉä, Eäò |ɦÉÉ´É and the ratio for the corresponding previous period is not {É®ú Ê´ÉSÉÉ®ú Eò®úxÉä ½äþiÉÖ <ºÉä ºÉ¨ÉɪÉÉäÊVÉiÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ* adjusted to consider the impact of subsequent changes if any, in the guidelines.

26. ®ixÉ +Éè® VÉ´Éɽ®ÉiÉ Eäò nÉä ºÉ¨ÉÚ½ Eäò ºÉƤÉÆvÉ ¨Éå, VɽÉÆ EÖòU ¤ÉéEòÉå uÉ®É 26. In respect of two Gems and Jewellery borrower Group, vÉÉäJÉÉvÉcÒ EòÒ PÉÉä¹ÉhÉÉ EòÒ MÉ<Ç ½è, ¤ÉéEò xÉä ºÉÆ{ÉÚhÉÇ ÊxÉÊvÉEò BCºÉ{ÉÉäVÉ® where fraud was declared by some banks, the Bank has ½äiÉÖ {ÉÚhÉÇ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ ½è* fully provided for the entire funded exposure. 27. VɽþÉÆ Eò½þÓ +ɴɶªÉEò ºÉ¨ÉZÉÉ MɪÉÉ ½èþ Ê{ÉUô±Éä ´É¹ÉÇ Eäò +ÉÆEòc÷Éå EòÉä SÉɱÉÚ 27. Figures of previous year have been regrouped or ´É¹ÉÇ Eäò +ÉÆEòc÷Éä ºÉä iÉÖ±ÉxÉÒªÉ ¤ÉxÉÉxÉä ½äþiÉÖ {ÉÖxÉ: ºÉ¨ÉÚʽþiÉ {ÉÖxÉ´ÉÇMÉÔEÞòiÉ reclassified wherever considered necessary to make them ÊEòªÉÉ MɪÉÉ ½èþ* comparable with that figures of the current year.

219 < ±ÉÉ ½þÉ ¤ÉÉ nù ¤Éé Eò A L L A H A B A D B A N K xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ Cash Flow Statement (` ½þVÉÉ®ú ¨Éå / ` For the year ended 31st March, 2018 in thousand) Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY 2017-18Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY 2016-17 B. {ÉÊ®úSÉɱÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ A. Cash flow from operating activities (25,631,943) (11,127,778) ¤ÉÒ. Ê´ÉÊxÉvÉÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ B. Cash flow from investing activities (833,440) (927,355) ºÉÒ. Ê´ÉkÉÒªÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ C. Cash flow from financing activities 20,131,100 9,046,767 xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ ¨Éå ÊxÉ´É±É {ÉÊ®ú´ÉiÉÇxÉ Net Change in cash and cash equivalents (6,334,283) (3,008,366) b÷Ò. ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ D. Cash and cash equivalents at the beginning of the year 220,553,169 223,561,535 <Ç. ´É¹ÉÇ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ E. Cash and cash equivalents at the end of the year 214,218,886 220,553,169 (B + ¤ÉÒ + ºÉÒ + b÷Ò) (A+B+C+D) B. {ÉÊ®úSÉɱÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ A. Cash flow from operating activities Eò®ú {ÉÚ´ÉÇ ÊxÉ´É±É ±ÉÉ¦É / Net Profit before Taxes (65,910,211) (6,047,042) ºÉ¨ÉɪÉÉäVÉxÉ:/ Adujstment for: +´ÉIÉªÉ / Depreciation 1,431,018 1,567,453 +SÉ±É +ÉκiɪÉÉå (ÊxɴɱÉ) Eäò Ê´ÉGòªÉ ºÉä (±ÉɦÉ)/½þÉÊxÉ (Profit)/Loss on sale of Fixed Assets (Net) 64 (271) +¶ÉÉävÉ廃 B´ÉÆ ºÉÆÊnùMvÉ @ñhÉ +±{ÉEòÉʱÉEò ºÉʽþiÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ Provision for Bad & Doubtful Debts including floating 103,264,496 45,523,682 ¨ÉÉxÉEò +ÉκiɪÉÉä ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/Provision for Standard Assets (6,343,881) 955,891 Ê´ÉÊxÉvÉÉxÉÉå {É®ú +´ÉIÉªÉ / Depreciation on Investments 7,432,688 2,457,863 +xªÉ |ÉÉ´ÉvÉÉxÉ(ÊxɴɱÉ) / Other Provisions (Net) (4,059,852) (4,222,703) +xªÉ +ɪÉ: {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ {ÉÊ®úºÉÆ{ÉÊkÉ EòÉ +´ÉIÉªÉ Other income : Dep on revaluated property ¶ÉÚxªÉ/NIL (475,583) +É<Ç{ÉÒb÷Ò+É<Ç B´ÉÆ MÉÉèhÉ ¤ÉÉìhbÂ÷ºÉ {É®ú ¤ªÉÉVÉ Interest on IPDI & Subordinate Bonds 5,021,138 4,125,656 EÖò±É / TOTAL 40,835,460 43,884,946 PÉ]õÉBÆ: |ÉiªÉIÉ ºÉÆnùkÉ Eò®ú / Less: Direct Taxes Paid (3,750,000) 37,085,460 (51,140,000) 38,744,946 {ÉÊ®úSÉɱÉxÉ +ÉκiɪÉÉä B´ÉÆ näùªÉiÉÉ+Éä ¨Éå {ÉÊ®ú´ÉiÉÇxÉ Changes in Operating Assets & Liabilities VɨÉÉ ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ) / Increase/ (Decrease) in Deposits 117,336,120 12,258,179 =vÉÉ®ú ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ) / Increase/ (Decrease) in Borrowings 60,301,909 (47,748,159) Ê´ÉÊxÉvÉÉxÉÉå ¨Éå (´ÉÞÊrù)/Eò¨ÉÒ/(Increase)/Decrease in Investments (132,638,620) 17,730,468 +ÊOɨÉÉå ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ) (Increase)/ Decrease in Advances (115,276,546) (27,965,561) +xªÉ näùªÉiÉÉ+Éå ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ) Increase/ (Decrease) in Other Liabilties 28,646,555 2,980,468 +xªÉ +ÉκiɪÉÉå ¨Éå (´ÉÞÊrù)/Eò¨ÉÒ (Increase) / Decrease in Other Assets (21,086,821) (7,128,119) {ÉÊ®úSÉɱÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä ÊxÉ´É±É xÉEònùÒ Net cash used in operating activities (25,631,943) (11,127,778)

220 xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ (VÉÉ®úÒ...) / Cash Flow Statement (Contd.…) (` ½þVÉÉ® ¨Éå / ` in thousand)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY 2017-18Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY 2016-17 ¤ÉÒ. Ê´ÉÊxÉvÉÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ B. Cash flow from investing activities +SÉ±É +ÉκiɪÉÉå ¨Éå (´ÉÞÊrù)/Eò¨ÉÒ (Increase)/ Decrease in Fixed Assets (8,33,440) (9,27,355) Ê´ÉÊxÉvÉÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä ÊxÉ´É±É xÉEònùÒ Net cash used in investing activities (8,33,440) (9,27,355) ºÉÒ. Ê´ÉkÉ{ÉÉä¹ÉhÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ C. Cash flow from financing activities ´É¹ÉÇ Eäò nùÉè®úÉxÉ ºÉÆnùkÉ ±ÉɦÉÉÆ¶É Dividend paid during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ±ÉɦÉÉÆ¶É {É®ú ºÉÆnùkÉ Eò®ú / Tax Paid on dividend ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL MÉÉèhÉ ¤ÉÉìhbÂ÷ºÉ {É®ú ¤ªÉÉVÉ Interest on Subordinate bonds (5,021,138) (4,125,656) MÉÉèhÉ @ñhÉ (¤ÉÉìhbÂ÷ºÉ) EòÉ ÊxÉMÉÇ¨É Issue of Subordinated Debt (Bonds) ¶ÉÚxªÉ/NIL 10,000,000 +ÊiÉÊ®úHò ]õҪɮ 1ú ¤ÉÉìhbÂ÷ºÉ EòÉ ÊxÉMÉÇ¨É Issue of Additional Tier 1 Bonds 12,000,000 3,000,000 MÉÉèhÉ @ñhÉ (¤ÉÉìhbÂ÷ºÉ) EòÉ |ÉÊiÉnùÉxÉ Redemption of Subordinated Debt (Bonds) (5,000,000) (5,619,000) ¶ÉäªÉ®ú {ÉÚÆVÉÒ / Share Capital 438,298 206,566 ¶ÉäªÉ®ú |ÉÒÊ¨ÉªÉ¨É / Share Premium 2,713,940 1,404,857

Fund infused by GOI for allotment of Capital 15,000,000 4,180,000 Ê´ÉkÉ{ÉÉä¹ÉhÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä ÊxÉ´É±É xÉEònùÒ

Net cash from financing activities 20,131,100 9,046,767 b÷Ò. ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ D. Cash and cash equivalents at the beginning of the year ®úÉäEòc÷ ¶Éä¹É (Ê´Énäù¶ÉÒ Eò®åúºÉÒ xÉÉä]õ B´ÉÆ ºÉÉäxÉä ºÉʽþiÉ) Cash in hand (including foreign currency notes & gold) 5,820,178 6,137,051 ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É Balances with Reserve Bank of India 80,037,802 88,574,334 ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú näùªÉ vÉxÉ Balances with Banks and Money at Call and Short Notice 134,695,189 128,850,150 220,553,169 223,561,535 <Ç. ´É¹ÉÇ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ E. Cash and cash equivalents at the end of the year ®úÉäEòc÷ ¶Éä¹É (Ê´Énäù¶ÉÒ Eò®åúºÉÒ xÉÉä]õ B´ÉÆ ºÉÉäxÉä ºÉʽþiÉ) Cash in hand (including foreign currency notes & gold) 6,188,892 5,820,178 ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É Balances with Reserve Bank of India 86,720,768 80,037,802 ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú näùªÉ vÉxÉ Balances with Banks and Money at Call and Short Notice 121,309,226 134,695,189 214,218,886 220,553,169 Ê]õ{{hÉÒ :/Notes: 1. xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ, ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò - 3 Eäò +xÉÖºÉÉ®ú +|ÉiªÉIÉ |ÉhÉɱÉÒ Eäò iɽþiÉ iÉèªÉÉ®ú ÊEòªÉÉ MɪÉÉ ½èþ* Cash Flow statement has been prepared under the Indirect Method in accordence with the Accounting Standard- 3, issued by the Institute of Chartered Accounts of India. 2. xÉEònùÒ B´ÉÆ xÉEònùÒ ºÉ¨ÉiÉÖ±ªÉ xÉEònùÒ +Éè®ú ¤ÉéEò ¨Éä VɨÉɶÉä¹É EòÉ |ÉÊiÉÊxÉÊvÉi´É Eò®úiÉä ½éþ* Cash and Cash equivalent represent Cash and Bank Balances. 3. Ê´ÉMÉiÉ ´É¹ÉÇ Eäò +ÉÆEòcä÷, VɽþÉÆ Eò½þÓ +{ÉäÊIÉiÉ ½þÉä, {ÉÖxɺÉǨÉÚʽþiÉ / {ÉÖxÉ´ÉÇMÉÔEÞòiÉ ÊEòB MÉB ½èþÆ* Previous year’s figures have been regrouped/reclassified wherever applicable. 221 ±ÉäJÉÉ{É®úÒIÉEòÉå º´ÉiÉÆjÉ EòÒ úÊ®ú{ÉÉä]Çõ INDEPENDENT AUDITORS’ REPORT ºÉä´ÉÉ ¨Éå To <±ÉɽþɤÉÉnù ¤ÉéEò Eäò ºÉnùºªÉ The Members of Allahabad Bank Ê´ÉkÉÒªÉ Ê´É´É®úhÉ ºÉƤÉÆvÉÒ Ê®ú{ÉÉä]Çõ Report on the Financial Statements 1. ½þ¨ÉxÉä 31 ¨ÉÉSÉÇ 2018 EòÉä ªÉlÉÉκlÉÊiÉ <±ÉɽþɤÉÉnù ¤ÉéEò Eäò º]éõb÷ B±ÉÉäxÉ 1. We have audited the accompanying standalone financial st Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÒ ±ÉäJÉÉ{É®úÒIÉÉ EòÒ ½èþ ÊVɺɨÉå 31 ¨ÉÉSÉÇ 2018 EòÉä statements of the ALLAHABAD BANK as at 31 March, ªÉlÉÉκlÉÊiÉ iÉÖ±ÉxÉ{ÉjÉ, =ºÉ ´É¹ÉÇ EòÉä ºÉ¨ÉÉ{iÉ +´ÉÊvÉ ½äþiÉÖ ±ÉɦÉ-½þÉÊxÉ ±ÉäJÉÉ 2018, which comprise the Balance Sheet as at March 31, iÉlÉÉ xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ B´ÉÆ ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉå EòÉ ºÉÉ®ú iÉlÉÉ 2018, and the Profit and Loss account, and Cash Flow =xɺÉä ºÉƤÉÆÊvÉiÉ +xªÉ ´ªÉÉJªÉÉi¨ÉEò ºÉÚSÉxÉÉ ºÉ¨ÉÉʴɹ]õ ½èþ*

222 (i) iÉÖ±ÉxÉ{ÉjÉ, =ºÉ¨Éå ÊnùB MÉB xÉÉä] Eäò ºÉÉlÉ {ÉÊ`öööööiÉ, BEò {ÉÚhÉÇ B´ÉÆ =ÊSÉiÉ (i) the Balance Sheet, read with the notes thereon is a full iÉÖ±ÉxÉ{ÉjÉ ½èþ ÊVɺɨÉå ºÉ¦ÉÒ +ɴɶªÉEò Ê´É´É®úhÉ ÊnùB MÉB ½éþ <ºÉä =ÊSÉiÉ and fair Balance Sheet containing all the necessary °ü{É ºÉä iÉèªÉÉ®ú ÊEòªÉÉ MɪÉÉ ½èþ, ÊVɺɺÉä ¤ÉéEòþ Eäò EòɪÉÉç EòÒ 31 ¨ÉÉSÉÇ particulars, is properly drawn up so as to exhibit a true and 2018 EòÉä ªÉlÉÉκlÉÊiÉ ºÉ½þÒ +Éè®ú =ÊSÉiÉ ÎºlÉÊiÉ |ÉEò]õ ½þÉä +Éè®ú ªÉ½þ fair view of the state of affairs of the Bank as at 31st March 2018 in conformity with the accounting principles generally ºÉɨÉÉxªÉiÉ: ¦ÉÉ®úiÉ ¨Éå º´ÉÒEÞòiÉ ±ÉäJÉÉ ÊºÉrùÉÆiÉÉå Eäò +xÉÖ°ü{É ½èþ; accepted in India; (ii) ±ÉÉ¦É ½þÉÊxÉ JÉÉiÉÉ, =ºÉ¨Éå ÊnùB MÉB xÉÉä]õ Eäò ºÉÉlÉ {ÉÊ`ööiÉ, ºÉɨÉÉxªÉiÉ: (ii) the Profit and Loss Account, read with the notes thereon ¦ÉÉ®úiÉ ¨Éå º´ÉÒEÞòiÉ ±ÉäJÉÉ ÊºÉrùÉÆiÉÉå Eäò +xÉÖ°ü{É JÉÉiÉÉå uùÉ®úÉ ¶ÉÉÊ¨É±É ´É¹ÉÇ Eäò shows a true balance of loss in conformity with the ±ÉÉ¦É EòÉ ºÉ½þÒ ¶Éä¹É nù¶ÉÉÇiÉÉ ½èþ; +Éè®ú accounting principles generally accepted in India, for the (iii) xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ =ºÉ ÊiÉÊlÉ EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ xÉEònùÒ |É´Éɽþ EòÒ year covered by the accounts ; and ºÉ½þÒ +Éè®ú =ÊSÉiÉ ÎºlÉÊiÉ nù¶ÉÉÇiÉÉ ½èþ* (iii) the Cash Flow Statement gives a true and fair view of the ¨ÉɨɱÉä {É® ¤É±É cash flows for the year ended on that date. Emphasis of Matter 7. ½¨É ¯.1118.19 Eò®Éäc EòÒ ´ªÉ´ÉºÉÉªÉ ½ÉÊxÉ +Éè® +{ÉÊ®¶ÉÉäÊvÉiÉ ¨ÉÚ±ªÉ¿ÉºÉ 7. We draw attention to para No. 4.8 of schedule 18 (Notes Eäò EòÉ®hÉ +ɺlÉÊMÉiÉ Eò® +ÉʺiɪÉÉå(bÒ]ÒB) Eäò +ʦÉYÉÉxÉ Eäò ºÉƤÉÆvÉ ¨Éå to Accounts) to the Financial Statement regarding Ê´ÉiiÉÒªÉ Ê´É´É®hÉ EòÒ +xÉÖºÉÚSÉÒ 18(ºÉ¨ÉäÊEòiÉ ±ÉäJÉÉ Ê]{{ÉÊhɪÉÉÆ recognition of Deferred Tax Assets (DTA) on account of ` Eäò {Éè®É 4.8 EòÒ +Éä® vªÉÉxÉ +ÉEòʹÉÇiÉ Eò®iÉä ½é* <ºÉä ¨ÉɨɱÉä Eäò ºÉƤÉÆvÉ business loss and unabsorbed depreciation for 1118.19 ¨Éå ½¨ÉÉ®É +ʦɨÉiÉ +ɶÉÉäÊvÉiÉ xÉ½Ó ½è* crore. Our opinion is not modified in respect of this matter. Report on Other Legal and Regulatory Requirements +xªÉ Ê´ÉÊvÉEò B´ÉÆ ÊxɪÉɨÉEò +{ÉäIÉÉ+Éå ºÉƤÉÆvÉÒ Ê®ú{ÉÉä]Çõ 8. The Balance Sheet and the Profit and Loss Account have 8. iÉÖ±ÉxÉ {ÉjÉ B´ÉÆ ±ÉÉ¦É ½þÉÊxÉ JÉÉiÉÉ ¤ÉéËEòMÉ Ê´ÉÊxɪɨÉxÉ +ÊvÉÊxɪɨÉ, 1949 been drawn up in accordance with section 29 of the Banking EòÒ vÉÉ®úÉ 29 Eäò +xÉÖºÉÉ®ú ¨Éå iÉèªÉÉ®ú ÊEòB MÉB ½éþ* Regulation Act, 1949. 9. Subject to the limitations of the audit indicated in 9. ={ɪÉÖÇHò {Éè®úÉOÉÉ¡ò 1 ºÉä 5 ¨Éå =α±ÉÊJÉiÉ ±ÉäJÉÉ{É®úÒIÉÉ EòÒ ºÉÒ¨ÉÉ+Éå Eäò paragraphs 1 to 5 above and as required by the Banking +ÉvÉÉ®ú {É®ú B´ÉÆ ¤ÉéEòEòÉ®úÒ EÆò{ÉxÉÒ (={ÉGò¨ÉÉå EòÉ +VÉÇxÉ B´ÉÆ +ÆiÉ®úhÉ) Companies (Acquisition and Transfer of Undertakings) Act, +ÊvÉÊxɪɨÉ, 1970 uùÉ®úÉ ªÉlÉÉ +{ÉäÊIÉiÉ iÉlÉÉ =ºÉ¨Éå |ÉEò]õ ºÉÒ¨ÉÉ+Éå Eäò 1970, and subject also to the limitations of disclosure +vÉÒxÉ, ½þ¨É Ê®ú{ÉÉä]Çõ Eò®úiÉä ½éþ ÊEò: required therein, we report that: a) We have obtained all the information and explanations (B) ½þ¨ÉxÉä ´Éä ºÉ¦ÉÒ ºÉÚSÉxÉÉBÄ B´ÉÆ º{ɹ]õÒEò®úhÉ |ÉÉ{iÉ ÊEòB ½éþ VÉÉä ½þ¨ÉÉ®úÒ which, to the best of our knowledge and belief, were ºÉ´ÉÉækÉ¨É VÉÉxÉEòÉ®úÒ B´ÉÆ Ê´É·ÉÉºÉ Eäò +xÉÖºÉÉ®ú ±ÉäJÉÉ{É®úÒIÉÉ Eäò |ɪÉÉäVÉxÉÉlÉÇ necessary for the purposes of our audit and have found +ɴɶªÉEò lÉä iÉlÉÉ ½þ¨ÉxÉä =x½åþ ºÉÆiÉÉä¹ÉVÉxÉEò {ÉɪÉÉ ½èþ* them to be satisfactory; b) The transactions of the Bank, which have come to our (¤ÉÒ) ½þ¨ÉÉ®úÒ VÉÉxÉEòÉ®úÒ ¨Éå +ÉB ¤ÉéEò Eäò ±ÉäxÉnäùxÉ ¤ÉéEò Eäò +ÊvÉEòÉ®úÉå Eäò notice, have been within the powers of the Bank; and +ÆiÉMÉÇiÉ ½éþ* c) The returns received from the offices and branches of (ºÉÒ) ¤ÉéEò EòÒ ¶ÉÉJÉÉ+Éå B´ÉÆ EòɪÉÉDZɪÉÉå ºÉä |ÉÉ{iÉ Ê´É´É®úÊhɪÉÉÄ ½þ¨ÉÉ®úÒ the Bank have been found adequate for the purposes ±ÉäJÉÉ{É®úÒIÉÉ Eäò ʱÉB {ɪÉÉÇ{iÉ {ÉÉ<Ç MÉ<Ç ½éþ* of our audit. 10. We further report that: 10.½þ¨É ªÉ½þ ¦ÉÒ Ê®ú{ÉÉä]Çõ Eò®úiÉä ½éþ ÊEò a) the Balance Sheet and Profit and Loss account dealt Eò) <ºÉ Ê®ú{ÉÉä]Çõ ºÉä ºÉƤÉÆÊvÉiÉ iÉÖ±ÉxÉ{ÉjÉ B´ÉÆ ±ÉÉ¦É +Éè®ú ½þÉÊxÉ ±ÉäJÉÉ with by this report are in agreement with the books of ¤É½þÒJÉÉiÉÉå +Éè®ú Ê´É´É®úÊhɪÉÉå Eäò +xÉÖ°ü{É ½éþ* accounts and returns; b) the reports on the accounts of the branch offices audited JÉ) ¤ÉéËEòMÉ Ê´ÉÊxɪɨÉxÉ +ÊvÉÊxÉªÉ¨É 1949 EòÒ vÉÉ®úÉ 29 Eäò +xÉÖºÉÉ®ú by the branch auditors of the Bank under section 29 of ¤ÉéEò Eäò ¶ÉÉJÉÉ ±ÉäJÉÉ{É®úÒIÉEòÉå uùÉ®úÉ ±ÉäJÉÉ{É®úÒÊIÉiÉ ¶ÉÉJÉÉ+Éå EòÒ the Banking Regulation Act, 1949 have been sent to Ê®ú{ÉÉä]Çõ ½þ¨Éå ¦ÉäVÉÒ MÉ<Ç ½èþ +Éè®ú <ºÉ Ê®ú{ÉÉä]Çõ EòÉä iÉèªÉÉ®ú Eò®úiÉä ºÉ¨ÉªÉ us and have been properly dealt with by us in preparing <ºÉ {É®ú ºÉ¨ÉÖÊSÉiÉ vªÉÉxÉ ÊnùªÉÉ MɪÉÉ ½èþ +Éè® this report; and c) In our opinion, the Balance Sheet, Profit and Loss MÉ) ½þ¨ÉÉ®úÒ ®úÉªÉ ¨Éå ±ÉäJÉÉ{É®úÒIÉÉ ½äþiÉÖ iÉÖ±ÉxÉ{ÉjÉ, ±ÉɦÉ-½þÉÊxÉ ±ÉäJÉÉ +Éè®ú Account and Cash Flow Statement comply with the xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ |ɪÉÉäVªÉ ±ÉäJÉÉ ¨ÉÉxÉEòÉå Eäò +xÉÖ°ü{É ½éþ* applicable accounting standards.

ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Raju & Prasad For M/s Kansal Singla & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405 EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224

ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata ÊnùxÉÉÆEò / Date: 11.05.2018

223 < ±ÉÉ ½þÉ ¤ÉÉ nù ¤Éé Eò ALLAHABAD BANK 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉκlÉÊiÉ ºÉ¨ÉäÊEòiÉ iÉÖ±ÉxÉ-{ÉjÉ Consolidated Balance Sheet as on 31st March, 2018 (` Eò®úÉäc÷ ¨Éå) (` In Crore)

Ê´É´É®úhÉ +xÉÖºÉÚSÉÒ ªÉlÉÉκlÉÊiÉ AS ON ªÉlÉÉκlÉÊiÉ AS ON PARTICULARS SCHEDULE 31.03.2018 31.03.2017

{ÉÚÆVÉÒ +Éè®ú näùªÉiÉÉBÆ / CAPITAL & LIABILITIES {ÉÚÆVÉÒ/Capital 1 844.04 743.69 |ÉÉ®úÊIÉÊiɪÉÉÆ B´ÉÆ +ÊvɶÉä¹É/Reserves & Surplus 2 9812.22 13874.50 ¶ÉäªÉ®ú +É´ÉänùxÉ ®úÉ榃 ±ÉÆʤÉiÉ +ɤÉÆ]õxÉ / Share Application Money Pending Allotment 1500.00 418.00 VɨÉÉ®úÉʶɪÉÉÄ/Deposits 3 213595.39 201835.31 =vÉÉ®ú/Borrowings 4 21412.42 14682.51 +xªÉ näùªÉiÉÉBÆ +Éè®ú |ÉÉ´ÉvÉÉxÉ/Other Liabilities and Provisions 5 6605.65 6408.62 EÖò±É /Total 253769.72 237962.63

+ÉκiɪÉÉÄ / ASSETS ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå xÉEònùÒ +Éè®ú ¶Éä¹É / Cash and Balances with Reserve Bank of India 6 9291.10 8585.97 ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú näùªÉ vÉxÉ / Balances with Banks and Money at Call and Short Notice 7 12168.04 13500.54 Ê´ÉÊxÉvÉÉxÉ/Investments 8 68502.31 55805.28 @ñhÉ B´ÉÆ +ÊOÉ¨É /Loans & Advances 9 152060.74 150752.69 +SÉ±É +ÉκiɪÉÉÄ /Fixed Assets 10 3147.62 3203.07 +xªÉ +ÉκiɪÉÉÄ / Other Assets 11 8599.91 6115.08 EÖò±É /Total 253769.72 237962.63 +ÉEòʺ¨ÉEò näùªÉiÉÉBÆ / Contingent Liabilities 12 212168.59 168116.17 ºÉ¨Éɽþ®úhÉ Eäò ʱÉB Ê¤É±É / Bills for Collection 12877.05 15669.83 ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉÆ /Significant Accounting Policies 18 ±ÉäJÉÉ Ê]õ{{ÉhÉÒ /Notes on Accounts 19 W¥vh mk=rCo; ylwmqragtâ ÖtuFu fUt +ʦÉzÉ ykd ½þèÆ/ The schedules referred to above form an integral part of the Accounts

=¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ BxÉ. Eäò. ºÉÉ½Ú BºÉ. ½þÊ®¶ÉÆEò®úþ BºÉ. +OÉ´ÉÉ±É BºÉ. Eäò. VÉèxÉúþ BºÉ. ¤É±É |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ B´ÉÆ ºÉÒB¡ò+Éä) ={É ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) ºÉ½þɪÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) Usha Ananthasubramanian N. K. Sahoo S. Harisankar S.Aggarwal S. K. Jain S. Bal Managing Director & CEO Executive Director Executive Director General Manager Dy. General Manager(F&A) Asstt General Manager(F&A) (Finance & Accounts and CFO) ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors ÊxÉnäù¶ÉEò / Directors: EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ/Shri Rajeev Ranjan For M/s Raju & Prasad For M/s Kansal Singla & Associates ¸ÉÒ Ê´É´ÉäEò nùÒ{É /Shri Vivek Deep ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ/Shri Sarat Sura Chartered Accountants Chartered Accountants ¸ÉÒ Ê¤ÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ/ Shri Bijaya Kumar Sahoo ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N b÷Éì. {ÉÉlÉÇ |ÉÊiÉ¨É {ÉɱÉúþ/Dr. Partha Pratim Pal (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÇÉ/Prof. Radha R. Sharma (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405 EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ÊnùxÉÉÆEò / Date: 11.05.2018 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224

224 < ±ÉÉ ½þÉ ¤ÉÉ nù ¤Éé Eò ALLAHABAD BANK 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ºÉ¨ÉäÊEòiÉ ±ÉÉ¦É ´É ½þÉÊxÉ ±ÉäJÉÉ Consolidated Profit & Loss Account for the year ended 31st March, 2018 (` Eò®úÉäc÷ ¨Éå) (` In Crore) Ê´É´É®úhÉ +xÉÖºÉÚSÉÒ ªÉlÉÉκlÉÊiÉ AS ON ªÉlÉÉκlÉÊiÉ AS ON PARTICULARS SCHEDULE 31.03.2018 31.03.2017 I. +ÉªÉ / Income +ÌVÉiÉ ¤ªÉÉVÉ / Interest earned 13 16398.44 17694.35 +xªÉ +ÉªÉ / Other income 14 3075.17 2873.93 EÖò±É /Total 19473.60 20568.28

II. ´ªÉªÉ / EXPENDITURE ´ªÉªÉ ÊEòªÉÉ MɪÉÉ ¤ªÉÉVÉ / Interest expended 15 11626.74 12372.93 {ÉÊ®úSÉɱÉxÉ ´ªÉªÉ / Operating expenses 16 4281.47 4297.19 |ÉÉ´ÉvÉÉxÉ +Éè®ú +ÉEòκ¨ÉEò ´ªÉªÉ / Provisions & Contingencies 8153.50 4187.82 EÖò±É /Total 24061.72 20857.94 BºÉÉäʺÉB]ºÉõ ºÉä +ɪÉ/½þÉÊxÉ EòÉ +Æ¶É Share of earnings/loss in Associates 17 13.90 10.66 +±{ɺÉÆJªÉEò ¤ªÉÉVÉ PÉ]õÉxÉä ºÉä {ÉÚ´ÉÇ ´É¹ÉÇ EòÉ ºÉ¨ÉäÊEòiÉ ÊxÉ´É±É ±ÉɦÉ/(½þÉÊxÉ) Consolidated Net profit/(loss) for the year before deducting Minorities’ Interest (4,574.21) (279.00) PÉ]õÉBÆ : +±{ɺÉÆJªÉEò ¤ªÉÉVÉ ºÉ¨ÉÚ½þ ºÉä ºÉƤÉrù ´É¹ÉÇ ½äþiÉÖ ºÉ¨ÉäÊEòiÉ ±ÉɦÉ/(½þÉÊxÉ) / Consolidated profit/(loss) for the year attributable to the group (4,574.21) (279.00) VÉÉäcå÷: ºÉ¨ÉÚ½þ ºÉä ºÉƤÉrù ºÉ¨ÉäÊEòiÉ ±ÉɦÉ/(½þÉÊxÉ) +OÉÉxÉÒiÉ Add: Brought forward consolidated profit/(loss) attributable to the group (439.13) (158.59) EÖò±É /Total (5,013.34) (437.59) III.Ê´ÉÊxɪÉÉäVÉxÉ / APPROPRIATIONS mtkrJr"f |ÉÉ®úÊIÉÊiɪÉÉå EòÉä +ÆiÉ®úhÉ / Transfer to Statutory Reserves 3.48 2.75 +xªÉ |ÉÉ®úÊIÉÊiɪÉÉå EòÉä +ÆiÉ®úhÉ / Transfer to Other Reserves ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL yk;rhb / |ɺiÉÉÊ´ÉiÉ ±ÉɦÉÉÆ¶É (±ÉɦÉÉÆ¶É vh fUh mrn;) Interim / Proposed Dividend (Including Tax on Dividend) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ºÉ¨ÉäÊEòiÉ iÉÖ±ÉxÉ {ÉjÉ ¨Éå +OÉäxÉÒiÉ ¶Éä¹É Balance carried over to consolidated Balance Sheet (5,016.81) (440.34) EÖò±É /Total (5,013.34) (437.59) ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉÆ/Significant Accounting Policies 18 ±ÉäJÉÉ Ê]õ{{ÉÊhɪÉÉÆ/Notes on Accounts 19 |ÉÊiÉ ¶ÉäªÉ®ú +VÉÇxÉ (¤ÉäʺÉEò ´É b÷É<±ªÉÖ]äõb÷) / Earnings per share (Basic and Diluted) (refer Sch. 19(7.8)) (58.35) (3.88) =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ BxÉ. Eäò. ºÉÉ½Ú BºÉ. ½þÊ®¶ÉÆEò®úþ BºÉ. +OÉ´ÉÉ±É BºÉ. Eäò. VÉèxÉúþ BºÉ. ¤É±É |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ B´ÉÆ ºÉÒB¡ò+Éä) ={É ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) ºÉ½þɪÉEò ¨É½þÉ|ɤÉÆvÉEò (Ê´ÉkÉ B´ÉÆ ±ÉäJÉÉ) Usha Ananthasubramanian N. K. Sahoo S. Harisankar S.Aggarwal S. K. Jain S. Bal Managing Director & CEO Executive Director Executive Director General Manager Dy. General Manager(F&A) Asstt General Manager(F&A) (Finance & Accounts and CFO) ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors ÊxÉnäù¶ÉEò / Directors: EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ ¸ÉÒ ®úÉVÉÒ´É ®ÆúVÉxÉ/Shri Rajeev Ranjan For M/s Raju & Prasad For M/s Kansal Singla & Associates ¸ÉÒ Ê´É´ÉäEò nùÒ{É /Shri Vivek Deep ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ¸ÉÒ ºÉÉ®úlÉ ºÉÚ®úÉ/Shri Sarat Sura Chartered Accountants Chartered Accountants ¸ÉÒ Ê¤ÉVÉªÉ EÖò¨ÉÉ®ú ºÉɽÚþ/ Shri Bijaya Kumar Sahoo ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N b÷Éì. {ÉÉlÉÇ |ÉÊiÉ¨É {ÉɱÉúþ/Dr. Partha Pratim Pal (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) |ÉÉä. ®úÉvÉÉ +É®ú. ¶É¨ÉÇÉ/Prof. Radha R. Sharma (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405 EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ÊnùxÉÉÆEò / Date: 11.05.2018 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224 225 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ªÉlÉÉκlÉÊiÉ / As on ªÉlÉÉκlÉÊiÉ / As on Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ 1 - {ÉÚÄVÉÒ

SCHEDULE 1 - CAPITAL |ÉÉÊvÉEÞòiÉ {ÉÄÚVÉÒ / Authorised Capital 3000.00 3000.00 ÊxÉMÉÇʨÉiÉ {ÉÄÚVÉÒ (84,40,44,312 ¶ÉäªÉ®ú, |ÉiªÉäEò `10)/ Issued Capital (84,40,44,312 Shares of `10 each) 844.04 743.69 +ʦÉnùkÉ {ÉÄÚVÉÒ (84,40,44,312 ¶ÉäªÉ®,ú |ÉiªÉäEò `10)/ Subscribed Capital (84,40,44,312 Shares of `10 each) 844.04 743.69 ¨ÉÉÆMÉÒ MÉ<Ç {ÉÄÚVÉÒ (84,40,44,312 ¶ÉäªÉ®,ú |ÉiªÉäEò `10) Called-up Capital (84,40,44,312 Shares of `10 each) 844.04 743.69 PÉ]õÉBÆ: +nùkÉ ¨ÉÉÆMÉå / Less: Calls unpaid ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL VÉÉäcå÷: VɤiÉ ¶ÉäªÉ®ú / Add: Forfeited shares ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É / Total 844.04 743.69

+xÉÖºÉÚSÉÒ 2 - |ÉÉ®úÊIÉÊiɪÉÉÆ +Éè®ú +ÊvɶÉä¹É

SCHEDULE 2 - RESERVES & SURPLUS

Ê´É´É®úhÉ / Particulars ºÉÉÆÊ´ÉÊvÉEò |ÉÉ®úÊIÉÊiɪÉÉÆ / Statutory Reserves 3226.53 3223.05 {ÉÚÄVÉÒ |ÉÉ®úÊIÉÊiɪÉÉÆ / Capital Reserves 2980.86 3024.41 ºÉ¨ÉäEòxÉ {É®ú vâqse |ÉthrGr;gtk / Capital Reserves on Consolidation 86.32 64.25 ¶ÉäªÉ®ú |ÉÒÊ¨ÉªÉ¨É / Share Premium 4096.93 3464.06 ®úÉVɺ´É B´ÉÆ +xªÉ |ÉÉ®úÊIÉÊiɪÉÉÆ / Revenue and other Reserves 4438.40 4539.07 ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ JÉÉiÉä ¨Éå ¶Éä¹É / Balance in Profit and Loss Account (5,016.81) (440.34) EÖò±É / Total 9812.22 13874.50

+xÉÖºÉÚSÉÒ 3 - VɨÉÉ®úÉʶɪÉÉÆÆ

SCHEDULE 3 - DEPOSITS

Ê´É´É®úhÉ / Particulars

B/A. I. ¨ÉÉÆMÉ ÊxÉIÉä{É / Demand Deposits (i) ¤ÉéEò ºÉä / From banks 20.14 51.74 (ii) +xªÉ ºÉä / From others 10373.90 11776.11 II. ¤ÉSÉiÉ ¤ÉéEò VɨÉÉ / Savings Bank Deposits 88016.84 79763.79 III. ¨ÉÒªÉÉnùÒ VɨÉÉ / Term Deposits (i) ¤ÉéEò ºÉä / From banks 1950.31 1763.38 (ii) +xªÉ ºÉä / From others 113234.20 108480.29 EÖò±É / Total (I, II, III) 213595.39 201835.31 ¤ÉÒ/B. (i) ¦ÉÉ®úiÉ ºÉå κlÉiÉ ¶ÉÉJÉÉ+Éå Eäò ÊxÉIÉä{É / Deposits of branches in India 210833.26 199299.87 (ii) ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú κlÉiÉ ¶ÉÉJÉÉ+Éå Eäò ÊxÉIÉä{É / Deposits of branches outside India 2762.13 2535.44 EÖò±É / Total (I and II) 213595.39 201835.31

226 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ªÉlÉÉκlÉÊiÉ / As on ªÉlÉÉκlÉÊiÉ / As on Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ 4 - =vÉÉ®ú

SCHEDULE 4 - BORROWINGS Ê´É´É®úhÉ/Particulars I. ¦ÉÉ®úiÉ ¨Éå =vÉÉ®ú / Borrowings in India (I) ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò /Reserve Bank of India 7954.36 ¶ÉÚxªÉ/NIL (ii) +xªÉ ¤ÉéEò / Other banks 11.90 12.19 (iii) +xªÉ ºÉƺlÉÉBÆ B´ÉÆ +ʦÉEò®úhÉ / Other institutions and agencies 501.66 686.08 (iv) MÉÉèhÉ xÉ´ÉÉäx¨Éä¹É ¤Éä¨ÉÒªÉÉnùÒ @ñhÉ Ê±ÉJÉiÉ/ Subordinated Innovative Perpetual Debt Instrument 300.00 300.00 (v) MÉÉèhÉ @ñhÉ-+{É®ú Ê]õªÉ® 2ú {ÉÚÄVÉÒ / Subordinated Debt - Upper Tier II Capital 1000.00 1000.00 (vi) MÉÉèhÉ @ñhÉ- Ê]õªÉ® 2 {ÉÚÄVÉÒ / Subordinated Debt - Tier II Capital 850.00 1350.00

(vii) MÉÉèhÉ @ñhÉ- ¤ÉɺÉä±É III Ê]õªÉ® 2 {ÉÚÄVÉÒ / Subordinated Debt - Tier II Capital Basel 3 2500.00 2500.00 (viii) MÉÉèhÉ ¤Éä¨ÉÒªÉÉnùÒ @ñhÉ : +ÊiÉÊ®úHò Ê]õªÉ® 1 {ÉÚÄVÉÒ / Subordinated Perpetual Debt : Additional Tier I Capital 1500.00 300.00 II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú =vÉÉ®ú / Borrowings outside India 6794.50 8534.24 EÖò±É /Total (I and II) 21412.42 14682.51 ={ɪÉÖÇHò I +Éè®ú II ¨Éå ºÉΨ¨ÉʱÉiÉ |ÉÊiɦÉÚiÉ =vÉÉ®ú Secured borrowings included in I and II above ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL +xÉÖºÉÚSÉÒ 5 - +xªÉ näùªÉiÉÉBÆ B´ÉÆ |ÉÉ´ÉvÉÉxÉ

SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS Ê´É´É®úhÉ / Particulars I. ºÉÆnäùªÉ Ê¤É±É / Bills payable 740.95 1042.19 II. +ÆiÉ®ú-EòɪÉÉDZɪÉÒxÉ ºÉ¨ÉɪÉÉäVÉxÉ (ÊxɴɱÉ) / Inter -office adjustments (net) 142.77 63.37 III. ={ÉÊSÉiÉ ¤ªÉÉVÉ / Interest accrued 465.33 397.14 IV. +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉBÆ / Deferred Tax Liabilities ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL V. +xªÉ (|ÉÉ´ÉvÉÉxÉ ºÉʽþiÉ) / Others (including provisions) 5256.60 4905.92 EÖò±É /Total 6605.65 6408.62 +xÉÖºÉÚSÉÒ 6 - ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå xÉEònùÒ +Éè®ú ¶Éä¹É

SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA Ê´É´É®úhÉ / Particulars I. ®úÉäEòc÷ ¶Éä¹É (Ê´Énäù¶ÉÒ Eò®åúºÉÒ xÉÉä]õ mrn;)/ Cash in hand (including foreign currency notes) 619.02 582.19 II. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉèEò ¨Éå ¶Éä¹É / Balances with Reserve Bank of India (i) SÉɱÉÚ JÉÉiÉä ¨Éå / In Current Account 8672.08 8003.78 (ii) +xªÉ JÉÉiÉÉå ¨Éå / In Other Accounts ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É / Total (I & II) 9291.10 8585.97

227 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ªÉlÉÉκlÉÊiÉ / As on ªÉlÉÉκlÉÊiÉ / As on Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ - 7 ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{ªÉ vÉxÉ SCHEDULE-7 - BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE Ê´É´É®úhÉ / Particulars I. ¦ÉÉ®úiÉ ¨Éå / In India (i) ¤ÉéEòÉå ¨Éå ¶Éä¹É / Balances with banks (B)/(a) SÉɱÉÚ JÉÉiÉÉå ¨Éå / In Current accounts 61.61 62.17 (¤ÉÒ)/(b) +xªÉ VɨÉÉ JÉÉiÉÉå ¨Éå /In Other Deposit accounts 4499.28 3859.25 (ii) ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{ªÉ vÉxÉ / Money at call and short notice (B)/(a)¤ÉéEòÉå ¨Éå / With banks 3958.46 6496.52 (¤ÉÒ)/(b)+xªÉ ºÉƺlÉÉ+Éå ¨Éå / With other institutions ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total 8519.35 10417.94 II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú / Outside India (B)/(a) SÉɱÉÚ JÉÉiÉÉå ¨ÉäÆ / In Current account 1015.61 2109.85 (¤ÉÒ)/(b) +xªÉ VɨÉÉ JÉÉiÉÉäÆ ¨ÉäÆ / In Other Deposit accounts ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (ºÉÒ)/(c)¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú |ÉÉ{ªÉ vÉxÉ / Money at call and short notice 2633.08 972.75 EÖò±É / Total 3648.69 3082.60 EÖò±É ªÉÉäMÉ /Grand Total (I & II) 12168.04 13500.54 +xÉÖºÉÚSÉÒ 8 - Ê´ÉÊxÉvÉÉxÉ SCHEDULE 8 -INVESTMENTS Ê´É´É®úhÉ / Particulars I. ¦ÉÉ®úiÉ ¨Éå Ê´ÉÊxÉvÉÉxÉ / Investment in India in (i) ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÆ /Government securities 62746.24 47584.82 (ii) +xªÉ +xÉÖ¨ÉÉäÊnùiÉ |ÉÊiɦÉÚÊiɪÉÉÆ /Other approved securities 3.14 1.20 (iii) ¶ÉäªÉ®ú / Shares 823.51 945.71 (iv) Êb÷¤ÉåSÉ®ú +Éè®ú ¤ÉÆvÉ {ÉjÉ / Debentures and Bonds 4016.97 3817.29 (v) BºÉÉäʺÉB]õºÉ, +xÉÖ¹ÉÆMÉÒ ºÉƺlÉÉ B¤ÉÆ ºÉƪÉÖHò =vÉ¨É ¨Éå Ê´ÉÊxÉvÉÉxÉ / Investment in Associates 291.28 260.31 (vi) +xªÉ (ögwawyÖt VUàzTm gqxeytRo ytr=) /Others (Mutual Funds, UTI etc) 323.28 2917.35 EÖò±É / Total (I) 68204.43 55526.68 II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú Ê´ÉÊxÉvÉÉxÉ / Investments outside India in (i) ºÉ®úEòÉ®úÒ /Government securities (including local authorities) 297.88 278.60 (ii) BºÉÉäʺÉB]õ弃 ¨Éå Ê´ÉÊxÉvÉÉxÉ / Investment in Associates ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (iii) +xªÉ Ê´ÉÊxÉvÉÉxÉ /Other Investment ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É / Total (II) 297.88 278.60 EÖò±É ªÉÉäMÉ /Grand Total (I) & (II) 68502.31 55805.28 III. ¦ÉÉ®úiÉ ¨Éå Ê´ÉÊxÉvÉÉxÉ /Investment in India (i) Ê´ÉÊxÉvÉÉxÉ EòÉ ºÉEò±É ¨ÉÚ±ªÉ / Gross value of Investments 69532.82 56109.97 (ii) +´ÉIÉªÉ ½äþiÉÖ ºÉEò±É |ÉÉ´ÉvÉÉxÉ / Aggregate of Provisions for Depreciation 1328.40 583.29 (iii) ÊxÉ´É±É Ê´ÉÊxÉvÉÉxÉ / Net Investment 68204.43 55526.68 IV. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú Ê´ÉÊxÉvÉÉxÉ / Investment outside India (i) Ê´ÉÊxÉvÉÉxÉ EòÉ ºÉEò±É ¨ÉÚ±ªÉ / Gross value of Investments 297.88 278.60 (ii) +´ÉIÉªÉ ½äþiÉÖ ºÉEò±É |ÉÉ´ÉvÉÉxÉ / Aggregate of Provisions for Depreciation ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (iii) ÊxÉ´É±É Ê´ÉÊxÉvÉÉxÉ / Net Investment 297.88 278.60 EÖò±É ªÉÉäMÉ /Grand Total (III) & (IV) 68502.31 55805.28

228 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ªÉlÉÉκlÉÊiÉ / As on ªÉlÉÉκlÉÊiÉ / As on Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ 9 - +ÊOÉ¨É SCHEDULE 9 -ADVANCES Ê´É´É®úhÉ / Particulars B/A. (i) GòªÉ ÊEòªÉä MÉB B´ÉÆ ¦ÉÖxÉÉB MÉB Ê¤É±É / Bills purchased and discounted 1395.28 2566.73 (ii) xÉEònùÒ @ñhÉ, +Éä´É®úb÷ÅÉ¡Âò]õ +Éè®ú ¨ÉÉÆMÉ {É®ú |ÉÊiɺÉÆnùäªÉ @ñhÉ Cash credits, overdrafts and loans repayable on demand 71987.76 72127.13 (iii) ¨ÉÒªÉÉnùÒ @ñhÉ / Term loans 78677.70 76058.83 EÖò±É /Total 152060.74 150752.69 ¤ÉÒ/B. (i) ¨ÉÚiÉÇ +ÉʺiɪÉÉäÆ uùÉ®úÉ |ÉÊiɦÉÚiÉ/ Secured by tangible assets 118639.18 125369.32 (¤É½þÒ @ñþhÉ {É®ú +ÊOÉ¨É ºÉʽþiÉ/Includes advances against book debts) (ii) ¤ÉèÆEò/ºÉ®úEòÉ®úÒ |ÉiªÉɦÉÚÊiɪÉÉäÆ uùÉ®úÉ ºÉÆ®úÊIÉiÉ / Covered by Bank/ Government Guarantees 6184.74 7257.92 (iii) +|ÉÊiɦÉÚiÉ/Unsecured 27236.82 18125.45 EÖò±É /Total 152060.74 150752.69 ºÉÒ/C. I. ¦ÉÉ®úiÉ ¨Éå +ÊOÉ¨É /Advances in India (I) |ÉÉlÉʨÉEòiÉÉ IÉäjÉ /Priority sector 62265.20 65378.41 (ii) ºÉÉ´ÉÇVÉÊxÉEò IÉäjÉ / Public sector 9801.39 6232.08 (iii) ¤ÉéEò / Banks ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (iv) +xªÉ /Others 69972.20 67641.45 EÖò±É /Total 142038.79 139251.94 ºÉÒ/C. II. ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú +ÊOÉ¨É /Advances outside India (I) ¤ÉéEòÉåä ºÉä |ÉÉ{ªÉ /Due from banks 7369.67 7621.98 (ii) +xªÉ ºÉä |ÉÉ{ªÉ / Due from others (B/a) GòªÉ ÊEòB MÉB +Éè®ú ¦ÉÖxÉÉB MÉB Ê¤É±É / Bills purchased & discounted 214.49 982.27 (¤ÉÒ/b) ºÉ¨ÉÚʽþiÉ @ñhÉ / Syndicated Loans 2225.91 2627.42 (ºÉÒ/c) +xªÉ /Others 211.88 269.08 EÖò±É /Total 10021.95 11500.75 EÖò±É ªÉÉäMÉ (ºÉÒ I+ ºÉÒ II) /Grand Total (C. I.+ C. II.) 152060.74 150752.69

+xÉÖºÉÚSÉÒ 10 - +SɱÉú +ÉκiɪÉÉÄ SCHEDULE 10 - FIXED ASSETS Ê´É´É®úhÉ / Particulars I. {ÉÊ®úºÉ®ú /Premises {ÉÚ´ÉÇ´ÉiÉÔ ´É¹ÉÇ Eäò 31 ¨ÉÉSÉÇ fUe rô:r; fuU ylwmth ±ÉÉMÉiÉ {É® At cost as on 31st March of the preceding year 2943.97 2910.74 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year 4.76 33.24 ´É¹ÉÇ Eäò nùÉè®úÉxÉ vwlbqoÖgtkrfU; / Revalued during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ / Deductions during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL +ÉVÉ EòÒ iÉÉ®úÒJÉ iÉEò yJGg / Depreciation to date 214.58 164.61 EÖò±É /Total I 2734.15 2779.37

229 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ªÉlÉÉκlÉÊiÉ / As on ªÉlÉÉκlÉÊiÉ / As on Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore)

I B/A. ÊxɨÉÉÇhÉÉvÉÒxÉ {ÉÊ®úºÉ®ú / Premises under construction +lÉ ¶Éä¹É / Opening Balance 14.61 41.01 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year 0.01 4.58 ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ / Deduction during the year 4.20 30.98 +ÉVÉ EòÒ iÉÉ®úÒJÉ iÉEò +´ÉIÉªÉ / Depreciation to date ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total I B/A 10.42 14.61

II. +xªÉ +SÉ±É +ÉκiɪÉÉÆ (¡òxÉÔSÉ®ú B´ÉÆ Ê¡òCºÉSÉ®ú ºÉʽþiÉ) Other Fixed Assets (including Furniture and Fixtures) {ÉÚ´ÉÇ´ÉiÉÔ ´É¹ÉÇ Eäò 31 ¨ÉÉSÉÇ fUe rô:r; fuU ylwmth ±ÉÉMÉiÉ {É® At cost as on 31st March of the preceding year 1454.43 1367.35 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year 93.52 94.25 ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ / Deductions during the year 3.89 5.98 +ÉVÉ EòÒ iÉÉ®úÒJÉ iÉEò yJGg / Depreciation to date 1142.43 1047.98 EÖò±É /Total II 401.60 407.64 II B/A. {É]Âõ]äõ {É®ú nùÒ MÉ<Ç +ÉκiɪÉÉÆ / Leased Assets {ÉÚ´ÉÇ´ÉiÉÔ ´É¹ÉÇ Eäò 31 ¨ÉÉSÉÇ EòÒ ÎºlÉÊiÉ Eäò +xÉÖºÉÉ®ú ±ÉÉMÉiÉ {É®ú At cost as on 31st March of the preceding year 4.55 4.78 ºÉ¨ÉɪÉÉäVÉxÉ ºÉʽþiÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ Additions during the year including adjustments 0.01 0.19 |ÉÉ´ÉvÉÉxÉ ºÉʽþiÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ Deductions during the year including provisions ¶ÉÚxªÉ/NIL 0.13 +ÉVÉ EòÒ iÉÉ®úÒJÉ iÉEò +´ÉIÉªÉ / Depreciation to date 4.38 4.31 EÖò±É /Total II B/A 0.18 0.53 EÖò±É / Total ( I, I B/A, II & II B/A ) 3146.35 3202.15

III. {ÉÚÆVÉÒ - |ÉMÉÊiÉ®úiÉ EòɪÉÇ (±ÉÒVÉ +ÉʺiɪÉÉÆ)/ Capital- Work - in - progress ( Leased Assets ) +lÉ ¶Éä¹É /Opening Balance 0.87 0.74 ºÉ¨ÉɪÉÉäVÉxÉ ºÉʽþiÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ Additions during the year including adjustments 0.40 0.18 |ÉÉ´ÉvÉÉxÉ ºÉʽþiÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ Eò]õÉèiÉÒ Deductions during the year including provisions ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL EÖò±É /Total III 1.27 0.92 EÖò±É /Total ( I, I B/A, II, II B/A & III ) 3147.62 3203.07

230 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ªÉlÉÉκlÉÊiÉ / As on ªÉlÉÉκlÉÊiÉ / As on Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ 11 - +xªÉ +ÉκiɪÉÉÆ SCHEDULE 11 - OTHER ASSETS Ê´É´É®úhÉ /Particulars I. +ÆiÉ®ú EòɪÉÉÇ±ÉªÉ ºÉ¨ÉɪÉÉäVÉxÉ (ÊxɴɱÉ) /Inter-Office Adjustments (net) ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL II. ={ÉÊSÉiÉ ¤ªÉÉVÉ /Interest accrued 1157.73 1090.33 III. +ÊOÉ¨É °ü{É ¨Éå ºÉÆnùkÉ Eò®ú/»ÉÉäiÉ {É®ú EòÉ]É MɪÉÉ Eò®ú/ Tax paid in advance/tax deducted at source 1880.23 629.69 IV. ±ÉäJÉxÉ ºÉɨÉOÉÒ B´ÉÆ º]õɨ{É / Stationery and stamps 23.44 20.84 V. nùÉ´ÉÉå EòÒ ºÉÆiÉÖι]õ ¨Éå |ÉÉ{iÉ EòÒ MÉ<Ç MÉè®ú-¤ÉéEòEòÉ®úÒ +ÉκiɪÉÉÆ Non-banking assets acquired in satisfaction of claims 35.55 35.54 VI. +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ / Deferred Tax assets 2867.52 1546.33 VII. +xªÉ /Others 2635.43 2792.35 EÖò±É /Total 8599.91 6115.08 Grand Total 253769.72 237962.63 +xÉÖºÉÚSÉÒ 12 - ºÉ¨ÉÉʸÉiÉ =ug;tYk SCHEDULE 12 - CONTINGENT LIABILITIES Ê´É´É®úhÉ /Particulars I. ¤ÉéEò Eäò ʴɯûrù nùÉ´Éä ÊVÉx½åþ @ñhÉ Eäò °ü{É ¨ÉäÆ º´ÉÒEòÉ®ú xɽþÒÆ ÊEòªÉÉ MɪÉÉ ½þè Claims against the bank not acknowledged as debts 2016.71 2096.40 II. +ƶÉiÉ: ºÉÆnùiiÉ ÊxÉ´Éä¶ÉÉå Eäò ʱÉB näùªÉiÉÉ / Liability for partly paid investments 0.16 0.16 III. ¤ÉEòɪÉÉ ´ÉɪÉnùÉ Ê´ÉÊxÉ¨ÉªÉ ºÉÆÊ´ÉnùÉ+Éå Eäò EòÉ®úhÉ näùªÉiÉÉ Liability on account of outstanding forward 192590.51 148974.83 exchange contracts IV. ºÉÆPÉ]õEòÉå EòÒ +Éä®ú ºÉä nùÒ MÉ<Ç |ÉiªÉɦÉÚÊiɪÉÉÄ / Guarantees given on behalf of constituents (B/a) ¦ÉÉ®úiÉ ¨Éå / In India 8619.97 7399.50 (¤ÉÒ/b) ¦ÉÉ®úiÉ Eäò ¤Éɽþ®ú / Outside India 3033.99 4218.82 V. |ÉÊiÉOɽþhÉ, {ÉÞ¹`öÉÆEòxÉ +Éè®ú +xªÉ ¤ÉÉvªÉiÉÉBÆ Acceptances, endorsements and other obligations 5674.96 5340.79 VI. +xªÉ ¨Énåù ÊVÉxÉEäò ʱÉB ¤ÉéEò ºÉ¨ÉÉʸÉiÉ °ü{É ºÉä ÊVɨ¨ÉänùÉ®ú ½èþ Other items for which the Bank is contingently liable 232.29 85.67 EÖò±É /Total 212168.59 168116.17

231 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ 13 - +ÌVÉiÉ ¤ªÉÉVÉ SCHEDULE 13 - INTEREST EARNED Ê´É´É®úhÉ /Particulars I. +ÊOɨÉÉå/ʤɱÉÉå {É®ú ¤ªÉÉVÉ/¤É]Âõ]õÉ / Interest/discount on advances/bills 11028.53 12603.09 II. ÊxÉ´Éä¶ÉÉå {É®ú +ÉªÉ /Income on investments 4137.20 4153.93 III. ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É +Éè®ú +xªÉ +ÆiÉ®ú-¤ÉéEò ÊxÉÊvɪÉÉå {É®ú ¤ªÉÉVÉ Interest on balances with Reserve Bank of India and other inter-bank funds 968.75 612.85 IV. +xªÉõ/Others 263.96 324.48 EÖò±É /Total 16398.44 17694.35

+xÉÖºÉÚSÉÒ 14 - +xªÉ +ÉªÉ SCHEDULE 14 - OTHER INCOME Ê´É´É®úhÉ / Particulars I. Eò¨ÉÒ¶ÉxÉ, Ê´ÉÊxÉ¨ÉªÉ B´ÉÆ ¥ÉÉäEò®äúVÉ / Commission, exchange and brokerage 1038.27 1012.30 II. ¦ÉÚʨÉ, ¦É´ÉxÉÉå iÉlÉÉ +xªÉ +ÉκiɪÉÉå Eäò Ê´ÉGòªÉ {É® ±ÉÉ¦É Profit on sale of land, buildings and other assets 0.02 0.03 PÉ]õÉBÆ: ¦ÉÚʨÉ, ¦É´ÉxÉÉå iÉlÉÉ +xªÉ +ÉκiɪÉÉå Eäò Ê´ÉGòªÉ {É®ú ½þÉÊxÉ Less: Loss on sale of land, buildings and other assets (0.03) ¶ÉÚxªÉ/NIL III. Ê´ÉÊxÉ¨ÉªÉ ±ÉäxÉnäùxÉÉå {É®ú ±ÉÉ¦É / Profit on exchange transactions 257.86 401.63 PÉ]õÉBÆ: Ê´ÉÊxÉ¨ÉªÉ ±ÉäxÉnäùxÉÉå {É®ú ½þÉÊxÉ / Less: Loss on exchange transactions (69.24) (49.14) IV. Ê´ÉÊxÉvÉÉxÉÉå Eäò Ê´ÉGòªÉ {É®ú ±ÉÉ¦É / Profit on sale of investments (net) 53857.56 1013.32 PÉ]õÉBÆ: Ê´ÉÊxÉvÉÉxÉÉå Eäò Ê´ÉGòªÉ ºÉä ½þÉÊxÉ / Less: Loss on sale of investments (53243.13) (83.30) V. Ê´ÉÊxÉvÉÉxÉÉå Eäò Ê´ÉGòªÉ {É®ú ±ÉÉ¦É / Profit on revaluation investments ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL PÉ]õÉBÆ: Ê´ÉÊxÉvÉÉxÉÉå Eäò Ê´ÉGòªÉ ºÉä ½þÉÊxÉ / Less: Loss on revaluation of investments ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL VI. (a) {É^õÉ +ÊOÉ¨É +ɪÉ/ Lease finance income ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (b) {É^õÉ |ɤÉÆÆvÉxÉ ¶ÉÖ±Eò/ Lease management fee ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (c) ¤ÉEòɪÉÉ |ɦÉÉ®ú/ Overdue charge ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (d) {É^õÉ ÊEò®úɪÉÉ {É®ú |ÉÉ{ªÉ ¤ªÉÉVÉ/ Interest on lease rent receivable ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL VII. Ê´ÉÊ´ÉvÉ +ÉªÉ / Miscellaneous income 1233.85 579.09 EÖò±É / Total 3075.17 2873.93

+xÉÖºÉÚSÉÒ 15 - ´ªÉªÉ ÊEòªÉÉ MɪÉÉ ¤ªÉÉVÉ SCHEDULE 15 - INTEREST EXPENDED Ê´É´É®úhÉ / Particulars I. VɨÉÉ®úÉʶɪÉÉå {É®ú ¤ªÉÉVÉ / Interest on deposits 10860.03 11758.54 II. ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò/+ÆiÉ®ú-¤ÉéEò =vÉÉ®úÉå {É®ú ¤ªÉÉVÉ Interest on Reserve Bank of India/ inter-bank borrowings 136.85 90.34 III. +xªÉ / Others 629.86 524.05 EÖò±É / Total 11626.74 12372.93

232 +xÉÖºÉÚSÉÒ SCHEDULE Ê´É´É®úhÉ ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended ºÉ¨ÉÉ{iÉ ´É¹ÉÇ/Year Ended Particulars 31.03.2018 31.03.2017 (` Eò®úÉäc÷ ¨Éå) (` Eò®úÉäc÷ ¨Éå) (` in Crore) (` in Crore) +xÉÖºÉÚSÉÒ 16 - {ÉÊ®úSÉɱÉxÉ ´ªÉªÉ SCHEDULE 16 - OPERATING EXPENSES Ê´É´É®úhÉ / Particulars I. Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ¦ÉÖMÉiÉÉxÉ iÉlÉÉ =xÉEäò ʱÉB |ÉÉ´ÉvÉÉxÉ / Payments to and provisions for employees 2178.63 2306.32 II. ¦ÉÉc÷É, Eò®ú B´ÉÆ ®úÉä¶ÉxÉÒ / Rent, taxes and lighting 442.00 516.46 III. ¨ÉÖpùhÉ +Éè®ú ±ÉäJÉxÉ ºÉɨÉOÉÒ / Printing and stationery 42.02 37.20 IV. Ê´ÉYÉÉ{ÉxÉ +Éè®ú |ÉSÉÉ®ú / Advertisement and publicity 17.58 18.99 V. (B/a) {É]Âõ]õÉ +ÉκiɪÉÉü Eäò +ÊiÉÊ®úHò ¤ÉèéEò EòÒ ºÉÆ{ÉÊkÉ {É®ú +´ÉIÉhÉ/ Depreciation on Bank’s property other than Leased Assets 143.47 158.96 V. (¤ÉÒ/b) {É]Âõ]õÉ +ÉκiɪÉÉü {É®ú +´ÉIÉhÉ/ Depreciation on Leased Assets 2.35 0.43 VI. ÊxÉnäù¶ÉEòÉå EòÒ ¡òÒºÉ, ¦ÉkÉä +Éè®ú ´ªÉªÉ / Directors’ fees, allowances and expenses 1.87 1.82 VII. ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ ¡òÒºÉ +Éè®ú ´ªÉªÉ/ (¶ÉÉJÉÉ ±ÉäJÉÉ{É®úÒIÉEòÉäÆ EòÒ ¡òÒºÉ +Éè®ú ´ªÉªÉ ºÉʽþiÉ) Auditors’ fees and expenses (including branch auditors’ fees and expenses) 26.20 25.48 VIII. Ê´ÉÊvÉ |ɦÉÉ®ú / Law charges 26.26 25.48 IX. b÷ÉEò, iÉÉ®ú, ]äõ±ÉÒ¡òÉäxÉ +ÉÊnù / Postage, telegrams, telephones, etc. 80.74 78.15 X. ¨É®ú¨¨ÉiÉ +Éè®ú +xÉÖ®úIÉhÉ / Repairs and maintenance 129.03 142.14 XI. ¤ÉÒ¨ÉÉ / Insurance 224.85 209.37 XII. ¤ÉÒ¨ÉÉ / Amortisation of Goodwill, if any ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL XIII. +xªÉ ´ªÉªÉ / Other expenditure 966.47 776.39 EÖò±É /Total 4281.47 4297.19

+xÉÖºÉÚSÉÒ 17 SCHEDULE 17 BºÉÉäʺÉB]ÂõºÉ ¨Éå +VÉÇxÉ/ (½þÉÊxÉ) EòÉ +Æ¶É / Share of Earnings/(Loss) in Associates BºÉÉäʺÉB]ÂõºÉõ EòÉ Ê´É´É®úhÉ / Details of Associates xÉÉ¨É / Name <±ÉɽþɤÉÉnù ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò / Allahabad UP Gramin Bank 39.72 31.37 <±ÉɽþɤÉÉnù ¤ÉéEò EòÉ +Æ¶É / Allahabad Bank’s share (35%) 13.90 10.98 {ÉÚ´ÉÇú ´É¹ÉÉäÇú ½äþiÉÖ ºÉ¨ÉɪÉÉäVÉxÉú / Adjustment relating to earlier years ¶ÉÚxªÉ/NIL (0.32) ´É¹ÉÇ Eäò nùÉè®úÉxÉ ¨ÉÉxÉÉ MɪÉÉ / Considered during the year 13.90 10.66

233 +xÉÖºÉÚSÉÒ-18: 31 ¨ÉÉSÉÇ 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ SCHEDULE-18: SIGNIFICANT ACCOUNTING POLICIES Ê´É´É®úhÉÉå ºÉä ºÉƤÉÊvÉiÉ ¨ÉÖJªÉ ±ÉäJÉÉ xÉÒÊiɪÉÉÆ* ON THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st MARCH 2018. 1. iÉèªÉÉ®úÒ EòÉ +ÉvÉÉ® 1. Basis of Preparation: ¤ÉéEò +Éè® <ºÉEäò ºÉƪÉÖHò =t¨ÉÉå B´ÉÆú BºÉÉäʺÉB]ÂõºÉ Eäò ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ The Consolidated Financial Statements of the Bank and its Ê´É´É®úhÉ, ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEòÉå, Joint Ventures & Associate are prepared in accordance with the Accounting Standards issued by The Institute of Chartered ºÉƤÉÆÊvÉiÉ Ê´ÉÊxɪÉɨÉEò |ÉÉÊvÉEòÉÊ®úªÉÉå uùÉ®úÉ ºÉ¨ÉªÉ ºÉ¨ÉªÉ {É®ú VÉÉ®úÒ ÊxÉnù¶ÉÉÊxÉnæù¶ÉÉå Accountants of India and Guidelines issued by the respective +Éè®ú ºÉɨÉÉxªÉiɪÉÉ º´ÉÒEÞòiÉ ±ÉäJÉÉ ÊºÉrùÉÆiÉÉå Eäò +xÉÖºÉÉ® iÉèªÉÉ®ú ÊEòB MÉB ½éþ* Regulatory Authorities from time to time and Generally Accepted Accounting Principles. |ÉÉCEò±ÉxÉÉå EòÉ ={ɪÉÉäMÉ 2. 2. Use of Estimates: Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÉä iÉèªÉÉ®ú Eò®úxÉä Eäò ʱÉB |ɤÉÆvÉxÉ ºÉä +{ÉäÊIÉiÉ ½èþ ÊEò ´É½þ The preparation of financial statements requires the Ê´ÉkÉÒªÉ Ê´É´É®úhÉ EòÒ ÊiÉÊlÉ EòÉä +ÉκiɪÉÉå +Éè®ú näùªÉiÉÉ+Éå (+ÉEòκ¨ÉEò näùªÉiÉÉ+Éå Management to make estimates and assumptions considered ºÉʽþiÉ) EòÒ Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç ®úÉ榃 B´ÉÆ Ê®ú{ÉÉäÍ]õMÉ +´ÉÊvÉ ½äþiÉÖ Ê®ú{ÉÉä]Çõ EòÒ MÉ<Ç in the reported amount of assets and liabilities (including +ÉªÉ +Éè®ú ´ªÉªÉ EòÒ ®úÉ榃 {É®ú Ê´ÉSÉÉ®ú Eò®úiÉä ½ÖþB |ÉÉCC±ÉxÉ Eò®äú B´ÉÆ +xÉÖ¨ÉÉxÉ contingent liabilities) as of date of the financial statements and reported income and expenses for the reporting period. ±ÉMÉÉB* |ɤÉÆvÉxÉ EòÉ Ê´É·ÉÉºÉ ½èþ ÊEò Ê´ÉkÉÒªÉ Ê´É´É®úhÉ iÉèªÉÉ®ú Eò®úxÉä ½äþiÉÖ ={ɪÉÉäMÉ Management believes that the estimates used in preparation ÊEòB MÉB |ÉÉCEò±ÉxÉ Ê´É´ÉäEò{ÉÚhÉÇ B´ÉÆ ºÉ¨ÉÖÊSÉiÉ ½éþ* ¦ÉÉ´ÉÒ {ÉÊ®úhÉɨÉ

=α±ÉÊJÉiÉ ¤ÉéËEòMÉ xÉÒÊiɪÉÉÆ ¨ÉÖJªÉiÉ: ¤ÉéEò ºÉƺlÉÉ ºÉä ºÉƤÉÆÊvÉiÉ ½éþ* ¤ÉéEò EòÒ BEò The accounting policies mentioned primarily relate to the Bank ºÉƪÉÖHò =t¨É EÆò{ÉxÉÒ ½èþ VÉÉä MÉè®ú-VÉÒ´ÉxÉ ¤ÉÒ¨ÉÉ ´ªÉ´ÉºÉÉªÉ ¨Éå ±ÉMÉÒ ½èþ +Éè®ú BEò entity. The Bank has one Joint Venture Company is in the business of non-life insurance and one Joint Venture Company ºÉƪÉÖHò =nÂùªÉ¨É EÆò{ÉxÉÒ +ÉκiÉ {ÉÖxÉMÉÇ`ööxÉ ´ªÉ´ÉºÉÉªÉ ¨Éå ±ÉMÉÒ ½èþ* BEò BºÉÉäʺÉB]õ is in asset reconstruction business. One Associate is in the ¤ÉéËEòMÉ ´ªÉ´ÉºÉÉªÉ ¨Éä ½èþ* ºÉƪÉÖHò =nÂùªÉ¨É EÆòÊ{ÉxɪÉÉÆ +Éè®ú BºÉÉäʺÉB]õ =xÉEäò banking business. The Joint Venture Companies and Associate ¶ÉɺÉÒ ÊxɪÉɨÉEòÉå uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ ±ÉäJÉÉ xÉÒÊiɪÉÉå EòÉ {ÉɱÉxÉ Eò®úiÉä ½éþ*

234 5. Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ºÉä ºÉƤÉrù ±ÉäxÉ-näùxÉ 5. Transactions involving Foreign Exchange: ¦ÉÉ®úiÉ ºÉä ¤Éɽþ®ú ¶ÉÉJÉÉBÆ/EòɪÉÉÇ±ÉªÉ 5.1 5.1 Branches / Offices outside India

(i) Ê´Énäù¶ÉÒ ¶ÉÉJÉÉ+ÉäÆ EòÉä “xÉÉìxÉ-<Æ]õÒOÉ±É ¡òÉì®äúxÉ +Éì{É®äú¶ÉxºÉ” Eäò °ü{É ¨Éå (i) Foreign Branches are classified as "Non-integral Foreign ´ÉMÉÔEÞòiÉ ÊEòªÉÉ MɪÉÉ ½èþ iÉlÉÉ =xÉEäò Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÉä ÊxɨxÉÉxÉÖºÉÉ®ú Operations" and their audited financial statements are |ÉnùʶÉÇiÉ ÊEòªÉÉ MɪÉÉ ½èþ*úú translated as follows:

 ¨ÉÉèÊpùEò B´ÉÆ MÉè®ú-¨ÉÉèÊpùEò +ÉʺiÉ B´ÉÆ näùªÉiÉÉBÄ iÉlÉÉ +ÉÊEòº¨ÉEò näùªÉiÉÉBÄ  Both monetary and non-monetary Assets and Liabilities ¡òÉì®äúxÉ BCºÉSÉåVÉ b÷ұɺÉÇú BºÉÉäʺÉB¶ÉxÉ +Éì¡ò <ÆÊb÷ªÉÉ (¡äòb÷É<Ç) uùÉ®úÉ as well as Contingent Liabilities are translated at the end |ÉiªÉäEò ÊiɨÉɽþÒ EòÒ ºÉ¨ÉÉÊ{iÉ {É®ú nùÒ VÉÉxÉä ´ÉɱÉÒ +ÆÊiÉ¨É º{ÉÉì]õ n®úùÉåú {É®ú* of each quarter at the closing spot rates notified by the Foreign Exchange Dealers Association of India (FEDAI).  ®úÉVɺ´É ¨Énåù ¡äòb÷É<Ç uùÉ®úÉ ºÉƤÉÆÊvÉiÉ ÊiɨÉɽþÒ EòÒ ºÉ¨ÉÉÊ{iÉ {É®ú +ÊvɺÉÚÊSÉiÉ  Revenue items are translated at the quarterly average ÊiɨÉɽþÒ +ÉèºÉiÉ +ÆÊiÉ¨É nù®ú {É®ú ºÉÆÊ{É®ú´ÉÊiÉÇúiÉ EòÒ VÉÉiÉÒ ½èþ* closing rate notified by FEDAI at the end of respective quarter.  ºÉ¦ÉÒ {ÉÊ®úhÉɨÉÒ Ê´ÉÊxÉ¨ÉªÉ +ÆiÉ®ú EòÉä BEò +±ÉMÉ JÉÉiÉä ‘Ê´Énäù¶ÉÒ ¨ÉÖpùÉ  All resulting exchange differences are accumulated in a ]ÅõÉƺɱÉä¶ÉxÉ Ê®úVÉ´ÉÇú’ ¨Éå ®úJÉÉ VÉÉiÉÉ ½èþ* separate account 'Foreign Currency Translation Reserve'. (ii) Ê´Énäù¶É ʺlÉiÉ |ÉÊiÉÊxÉÊvÉ EòɪÉÇɱɪÉÉå Eäò {ÉÊ®úSÉɱÉxÉÉå EòÉä “<Æ]õÒOÉ±É ¡òÉì®äúxÉ (ii) Operations of representative offices abroad are classified as "Integral Foreign Operations" and their financial +Éì{É®äú¶ÉxÉ” Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ MɪÉÉ ½èþ iÉlÉÉ =xÉEäò Ê´ÉkÉÒªÉ statements are accounted for as follows: Ê´É´É®úhÉÉå EòÒ MÉhÉxÉÉ ÊxɨxÉÉxÉÖºÉÉ®ú EòÒ VÉÉiÉÒ ½èþ :  ºÉ¦ÉÒ ¨ÉÉèÊpùEò +ÉʺiÉ B´ÉÆ näùªÉiÉÉBÄ, MÉÉ®ÆúÊ]ªÉÉÆ, º´ÉÒEÞòÊiɪÉÉÆ, {É®ÆúÉEòxÉ iÉlÉÉ  All monetary Assets and Liabilities, Guarantees, +xªÉ |ÉÊiɤÉrùiÉÉBÄ ¡äòb÷É<Ç Eäò Ênù¶ÉÉÊxÉnåùÇú¶ÉÉxÉÖºÉÉ®ú |ÉiªÉäEò ÊiɨÉɽþÒ Eäò +ÆiÉ Acceptances, Endorsements and other obligations are translated to Indian Rupee equivalent at the spot exchange ¨Éå |ÉSÉʱÉiÉ º{ÉÉì]õ Ê´ÉÊxÉ¨ÉªÉ nù®úÉå {É®ú ¦ÉÉ®úiÉÒªÉ ¯û{ɪÉä ¨Éå +ÉÄEòÒ VÉÉiÉÒ ½èþ* rates prevailing at the end of each quarter as per FEDAI guidelines.  MÉè®ú-¨ÉÉèÊpùEò ¨Énåù ±ÉäxÉnäùxÉ EòÒ ÊiÉÊlÉ {É®ú |ÉSÉʱÉiÉ Ê´ÉÊxÉ¨ÉªÉ nù®ú {Éù®ú +ÉÄEòÒ  Non-monetary items are translated at exchange rates VÉÉiÉÒ ½èþ* prevailing as on the date of transactions.  ®úÉVɺ´É ¨ÉnùÉå EòÒ MÉhÉxÉÉ ±ÉäxÉnäùxÉ EòÒ ÊiÉÊlÉ {É®ú |ÉSÉʱÉiÉ Ê´ÉÊxÉ¨ÉªÉ nù®ú  Revenue items are accounted for at the exchange rates {É®ú EòÒ VÉÉiÉÒ ½èþ* prevailing as on the date of transactions.  ºÉ¦ÉÒ {ÉÊ®úhÉɨÉÒ Ê´ÉÊxÉ¨ÉªÉ +ÆiÉ®úÉå EòÉä ±ÉɦÉ-½þÉÊxÉ ±ÉäJÉÉ ¨Éå ʱÉJÉÉ VÉÉiÉÉ  All resulting exchange differences are accounted for in ½èþ* the Profit & Loss Account. (iii) +ÊOɨÉÉå EòÉä ¦ÉÉ®úiÉÒªÉ EòɪÉÇúɱɪÉÉå ¨Éå |ÉSÉʱÉiÉ Ê´ÉʦÉzÉ ¸ÉäÊhɪÉÉå Eäò +ÆiÉMÉÇúiÉ (iii) Advances will be classified under various categories in ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉBMÉÉ* +ÊOɨÉÉäÆ Eäò ºÉƤÉÆvÉ ¨Éå |ÉÉ´ÉvÉÉxÉ ºlÉÉxÉÒªÉ Ê´ÉÊvÉ line with those of Indian Offices. Provisions in respect of +{ÉäIÉÉ+ÉäÆ +lÉ´ÉÉ ¦ÉÉ.Ê®ú.¤ÉéEò Eäò ¨ÉÉxÉEòÉå, VÉÉä ¦ÉÒ +ÊvÉEò ½þÉä, Eäò +xÉÖºÉÉ®ú advances will be made as per the local law requirements ÊEòªÉÉ VÉÉBMÉÉ* or as per the norms of RBI, whichever is higher. 5.2 ¦ÉÉ®úiÉ ¨Éå ¶ÉÉJÉÉBÆ 5.2 Branches in India (i) Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ¶Éä¹É SÉɽäþ +ÉκiÉ +lÉ´ÉÉ näùªÉiÉÉ (B¡òºÉÒBxÉ+É®ú ªÉÉäVÉxÉÉ, (i) Foreign currency balances whether of assets or liabilities <Ç<ÇB¡òºÉÒ ªÉÉäVÉxÉÉ, +É®úB¡òºÉÒ ªÉÉäVÉxÉÉ +ÉÊnù Eäò +xiÉMÉÇiÉ ºÉÆOÉʽþiÉ [including deposits mobilized under FCNR Scheme, EEFC VɨÉÉ ®úÉʶɪÉÉå ºÉʽþiÉ) ½þÉä iÉlÉÉ ¤ÉEòɪÉÉ ´ÉɪÉnùÉ Ê´ÉÊxÉ¨ÉªÉ ºÉÆÊ´ÉnùÉ EòÉä Scheme, RFC Scheme etc.] and outstanding forward exchange contracts are converted at quarter end rates as ¦ÉÉ®úiÉÒªÉ Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ´ªÉÉ{ÉÉ®úÒ ºÉÆPÉ (B¡ò<Çb÷ÒB+É<Ç) uùÉ®úÉ ªÉlÉÉ ºÉÚÊSÉiÉ advised by Foreign Exchange Dealers Association of India ÊiɨÉɽþÒ +ÆiÉ EòÒ nù®úÉå {É®ú {ÉÊ®ú´ÉÌiÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ* (FEDAI). ´ÉɪÉnùÉ Ê´ÉÊxÉ¨ÉªÉ ºÉÆÊ´ÉnùÉ Eäò {ÉÚxɨÉÚDZªÉÉÆEòxÉ {É®ú {ÉÊ®úhÉɨÉÒ ±ÉÉ¦É /½þÉÊxÉ The resultant profit/loss on revaluation of forward iÉlÉÉ xÉÉäº]ÅõÉä JÉÉiÉä B¡ò <Ç b÷Ò B +É<Ç Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú exchange contracts and NOSTRO accounts is taken to ®úÉVɺ´É ¨Éå ʱÉB MÉB ½éþ* revenue as per FEDAI guidelines. (ii) Ê´Énäù¶ÉÒ ¨ÉÖpùÉ ºÉä ºÉƤÉÆÊvÉiÉ +ÉªÉ +Éè®ú ´ªÉªÉ EòÒ ¨ÉnùÉå EòÉä ±ÉäxÉnäùxÉ EòÒ (ii) Income and Expenditure items relating to foreign currency iÉÉ®úÒJÉ EòÉä |ÉSÉʱÉiÉ Ê´ÉÊxÉ¨ÉªÉ nù®ú EòÉä |ɪÉÉäMÉ Eò®ú ºÉÆ{ÉÊ®ú´ÉÌiÉiÉ ÊEòªÉÉ are converted using the exchange rate prevailing as on VÉÉiÉÉ ½èþ* the date of transaction. º´ÉÒEÞòÊiɪÉÉÆ, {ÉÞ¹`öööÉÆEòxÉ +Éè®ú MÉÉ®ÆúÊ]õªÉÉå ºÉʽþiÉ +xªÉ nùÉʪÉi´ÉÉå EòÉ ¨ÉÚ±ªÉ (iii) (iii) Acceptances, endorsements and other obligations |ÉiªÉäEò ÊiɨÉɽþÒ Eäò +ÆiÉ ¨Éå ¡äòb÷É<Ç uùÉ®úÉ ºÉÚÊSÉiÉ |ÉSÉʱÉiÉ nù®ú {É®ú +ÉÆEòÉ including guarantees are stated at FEDAI advised rates VÉÉiÉÉ ½èþ* prevailing at the end of each quarter. 6. ÊxÉ´Éä¶É 6. Investments: (i) ¤ÉéËEòMÉ Ê´ÉÊxɪɨÉxÉ +ÊvÉÊxÉªÉ¨É 1949 EòÒ iÉҺɮúÒ +xÉÖºÉÚSÉÒ Eäò ¡òɨÉÇ ‘Eò’ (i) In conformity with the requirements of Form A of the Third EòÒ +{ÉäIÉÉ Eäò +xÉÖ°ü{É ÊxÉ´Éä¶ÉÉå Eäò |ÉEò]õÒEò®úhÉ EòÉä ÊxɨxÉʱÉÊJÉiÉ Uô½þ Schedule to the Banking Regulation Act, 1949, ºÉ¨ÉÚ½þÉå ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ : Investments are classified into the following six groups : (B) ºÉ®úEòÉ®úÒ |ÉÊiɦÉÚÊiɪÉÉÄ, (a) Government Securities, (¤ÉÒ) +xªÉ +xÉÖ¨ÉÉäÊnùiÉ |ÉÊiɦÉÚÊiɪÉÉÄ, (b) Other Approved Securities,

235 (ºÉÒ) ¶ÉäªÉ®ú, (c) Shares, (b÷Ò) Êb÷¤ÉåSÉ®ú B´ÉÆ ¤ÉÉÄb÷, (d) Debentures & Bonds, (<Ç) +xÉÖ¹ÉÆMÉÒ ºÉƺlÉÉBÄ/ºÉƪÉÖHò =t¨É iÉlÉÉ (e) Subsidiaries/ Joint Ventures and (B¡ò) +xªÉ (f) Others ¤ÉéEò Eäò ÊxÉ´Éä¶É {ÉÉä]Çõ¡òÉäÉʱɪÉÉä EòÉä ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå (ii) (ii) The Investment portfolio of the Bank is further classified Eäò +xÉÖºÉÉ®ú +ÉMÉä iÉÒxÉ ´ÉMÉÉæ ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ in accordance with the RBI guidelines into three categories viz., (B) {ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ (BSÉ]õÒB¨É) (a) Held to Maturity (HTM) (¤ÉÒ) Ê´ÉGòªÉ ½äþiÉÖ ={ɱɤvÉ (BB¡òBºÉ) (b) Available for Sale (AFS) (ºÉÒ) ´ªÉÉ{ÉÉ®ú ½äþiÉÖ vÉÉÊ®úiÉ (BSÉB¡ò]õÒ) (c) Held for Trading (HFT)

(iii) (B) ÊxÉ´Éä¶É ÊVɺÉä ¤ÉèÆEò {ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ Eò®úxÉÉ SÉɽþiÉÉ ½þè, EòÉä (iii) a) Investments that the Bank intends to hold till maturity {ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ Eäò °ü{É ¨ÉäÆ ´ÉMÉÒÇEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½þè* are classified as Held to Maturity.

(¤ÉÒ) ÊxÉ´Éä¶É ÊVɺÉä GòªÉ EòÒ ÊiÉÊlÉ ºÉä 90 ÊnùxÉÉäÆ ¦ÉÒiÉ®ú ºÉèrùÉÆÊiÉEò °ü{É b) Investments that are held principally for resale within ºÉä {ÉÖxÉÊ´ÉÇGòªÉ ½þäiÉÖ vÉÉÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½þè, EòÉä ´ªÉÉ{ÉÉ®ú ½þäiÉÖ vÉÉÊ®úiÉ 90 days from the date of purchase are classified as Eäò °ü{É ¨Éä ´ÉMÉÒÇEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½þè* Held for Trading. (ºÉÒ) ÊxÉ´Éä¶É VÉÉä =CiÉ nùÉäxÉÉäÆ ¸ÉäÊhɪÉÉäÆ ¨ÉäÆ ´ÉMÉÒÇEÞòiÉ xɽþÒÆ ½þèÆ, EòÉä Ê´ÉGòªÉ c) Investments which are not classified in the above two ½þäiÉÖ ={ɱɤvÉ Eäò °ü{É ¨Éä ´ÉMÉÒÇEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½þè* categories are classified as Available for sale. (b÷Ò) ÊxÉ´Éä¶É Eäò GòªÉ Eäò ºÉ¨ÉªÉ =ºÉä {ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ, ´ªÉ´ÉºÉÉªÉ d) An investment is classified as Held to Maturity or Held ½þäiÉÖ vÉÉÊ®úiÉ +lÉ´ÉÉ Ê´ÉGòªÉ Eäò ʱÉB ={ɱɤvÉ Eäò °ü{É ¨ÉäÆ ´ÉMÉÒÇEÞòiÉ for Trading or Available for sale at the time of its purchase and subsequent shifting amongst ÊEòªÉÉ VÉÉiÉÉ ½þè B´ÉÆ ¸ÉäÊhɪÉÉäÆ ¨ÉäÆ iÉi{ɶSÉÉiÉ Ê¶ÉÊ}]õÆMÉ ÊxɪÉɨÉEò categories is done in conformity with regulatory Ênù¶ÉÉÊxÉnùäǶÉÉäÆ Eäò +xÉÖ°ü{É EòÒ VÉÉiÉÒ ½þè* guidelines. (<Ç) +ÉxÉÖ¹ÉÉÆÊMɪÉÉå, ºÉƪÉÖCiÉ =t¨ÉÉäÆ iÉlÉÉ ºÉ½þªÉÉäMÉÒ ºÉƺlÉÉ ¨ÉäÆ ÊxÉ´Éä¶É EòÉä e) Investments in Subsidiaries, Joint Ventures and {ÉÊ®ú{ÉC´ÉiÉÉ ½äiÉÖ vÉÉÊ®úiÉ Eäò °ü{É ¨Éä ´ÉMÉÒÇEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½þè* Associates are classified as Held to Maturity. (iv) ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¨ÉÚ±ªÉÉÆEòxÉ Eäò |ɪÉÉäVÉxÉ (iv) As per RBI guidelines, the following principles are adopted ½äþiÉÖ ÊxɨxÉʱÉÊJÉiÉ ÊºÉrùÉÆiÉ +{ÉxÉÉB MÉB ½éþ* for the purpose of valuation

(B) (i) BSÉ]õÒB¨É ¨Éå vÉÉÊ®úiÉ |ÉÊiɦÉÚÊiÉ- +VÉÇxÉ ±ÉÉMÉiÉ {É®ú (a) (i) Securities held in 'HTM' - at acquisition cost. +ÆÊEòiÉ ¨ÉÚ±ªÉ ºÉä +ÊvÉEò +VÉÇxÉ ±ÉÉMÉiÉ EòÉä {ÉÊ®ú{ÉC´ÉiÉÉ EòÒ ¶Éä¹É The excess of acquisition cost over the face value is +´ÉÊvÉ ¨Éå {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* amortized over the remaining period of maturity (ii) IÉäjÉÒªÉ OÉɨÉÒhÉ ¤ÉéEòÉå, +xÉÖ¹ÉÆÊMɪÉÉå B´ÉÆ ºÉƪÉÖHò =t¨ÉÉå ¨Éå ÊxÉ´Éä¶É (ii) Investments in Regional Rural Banks, Subsidiaries EòÉä ®úJÉÉ´É ±ÉÉMÉiÉ {É®ú ¨ÉÚ±ªÉÉÆÊEòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* and Joint Ventures are valued at carrying cost. ¨ÉÚ±ªÉ¿ÉºÉ, +ºlÉÉ<Ç ºÉä

(vi) ÊxÉ´Éä¶ÉÉå Eäò +VÉÇxÉ EòÒ ±ÉÉMÉiÉ (vi) Cost of acquisition of investments:  ºÉ¤ºÉGòÉ<¤É EòÒ MÉ<Ç |ÉÊiɦÉÚÊiɪÉÉå Eäò ¨ÉɨɱÉä ¨Éå |ÉÉäiºÉɽþxÉ iÉlÉÉ  is net of incentives/commission and front-end fee Eò¨ÉÒ¶ÉxÉ +Éè®ú £Æò]õ-BÆb÷ ¶ÉÖ±Eò EòÉ ÊxÉ´É±É ½èþ* received in case of securities subscribed and

 Eò¨ÉÒ¶ÉxÉ, nù±ÉɱÉÒ, |ÉÊiɦÉÚÊiÉ ±ÉäxÉ-näùxÉ Eò®ú iÉlÉÉ º]õɨ{É b÷¬Ú]õÒ  excludes commission, brokerage, securities ¶ÉÉÊ¨É±É xɽþÓ ½èþ* transaction tax and stamp duty. 236 (vii) ÊxÉ´Éä¶ÉÉå Eäò Ê´ÉGòªÉ ºÉä |ÉÉ{iÉ ±ÉɦÉ/½þÉÊxÉ EòÉä ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ ±ÉäJÉÉ ¨Éå (vii) Profit/Loss on sale of investments in any category is recognized in the Profit and Loss Account. However, in +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* iÉlÉÉÊ{É ‘{ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ’ ´ÉMÉÔEò®úhÉ case of profit on sale of investments in "HTM" category, ¨Éå ÊxÉ´Éä¶ÉÉå Eäò Ê´ÉGòªÉ ºÉä |ÉÉ{iÉ ±ÉÉ¦É Eäò ¨ÉɨɱÉä ¨Éå ºÉ¨ÉiÉÖ±ªÉ ®úÉ榃 (Eò®ú an equivalent amount (net of taxes and net of transfer to EòÉ ÊxÉ´É±É +Éè®ú ºÉÉÆÊ´ÉÊvÉEò +®úÊIÉÊiɪÉÉå Eäò +ÆiÉ®úhÉ EòÉ ÊxɴɱÉ) {ÉÚÆVÉÒ Statutory Reserves) is appropriated to the Capital Reserve +É®úÊIÉiÉ JÉÉiÉä ¨Éå Ê´ÉÊxɪÉÉäÊVÉiÉ EòÒ VÉÉiÉÒ ½èþ* Account. (viii) ÊxÉ´Éä¶ÉÉå Eäò ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ Eäò ÊxÉvÉÉÇ®úhÉ ½äþiÉÖ º]õÉìEò BCºÉSÉåVÉ EòÉä]äõ¶ÉxÉ (viii)For the purpose of determining market value of ªÉÉ B¡ò+É<ÇB¨ÉB¨Éb÷ÒB/{ÉÒb÷ÒB+É<Ç uùÉ®úÉ |ɺiÉÖiÉ nù®úÉå EòÉä +{ÉxÉɪÉÉ investments, Stock exchange quotations or rates put up by FIMMDA/PDAI are adopted. In absence of such VÉÉiÉÉ ½èþ* BäºÉä EòÉä]äõ¶ÉxÉÉå/nù®úÉå Eäò +¦ÉÉ´É ¨Éå ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ EòÉ ÊxÉvÉÉÇ®úhÉ quotations/rates, the market value is determined by B¡ò+É<ÇB¨ÉB¨Éb÷ÒB/{ÉÒb÷ÒB+É<Ç +lÉ´ÉÉ ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ applying appropriate Yield to Maturity rates as prescribed ¨ÉÉxÉnÆùb÷Éå Eäò +xÉÖºÉÉ®ú ºÉ¨ÉÖÊSÉiÉ {ÉÊ®ú{ÉC´ÉiÉÉ |ÉÊiÉ¡ò±É nù®úÉå {É®ú ÊEòªÉÉ by FIMMDA / PDAI or as per the norms laid down by the VÉÉiÉÉ ½èþ* Reserve Bank of India. (ix) ¸ÉäÊhɪÉÉå Eäò ¤ÉÒSÉ |ÉÊiɦÉÚÊiɪÉÉå EòÉ +ÆiÉ®úhÉ (ix) Transfer of Securities between categories ={ɪÉÖÇHò {Éè®úÉ 6(ii) ¨Éå Ê´ÉÊxÉÌnù¹]õ ¸ÉäÊhɪÉÉå Eäò ¤ÉÒSÉ |ÉÊiɦÉÚÊiɪÉÉå EòÉ The transfer of securities between categories specified at +ÆiÉ®úhÉ, +ÆiÉ®úhÉ EòÒ ÊiÉÊlÉ EòÉä +VÉÇxÉ ±ÉÉMÉiÉ/¤É½þÒ ¨ÉÚ±ªÉ/¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ para 6 (ii) above are carried out at the lower of acquisition cost / book value /market value as on the date of transfer. Eäò Eò¨ÉiÉ®ú ¨ÉÚ±ªÉ {É®ú ÊxÉEòɱÉÉ VÉÉiÉÉ ½èþ* BäºÉä +ÆiÉ®úhÉ {É®ú ¨ÉÚ±ªÉ¿ÉºÉ, The depreciation, if any, on such transfer is fully provided ªÉÊnù EòÉä<Ç ½þÉä, =ºÉEòÉ {ÉÚhÉÇiɪÉÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* for.

(x) ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú Ê´ÉʦÉzÉ ¸ÉäÊhɪÉÉå (x) As per RBI guidelines, the different categories of Swaps Eä º´Éè{É EòÉ ¨ÉÚ±ªÉxÉ ÊxɨxÉÉxÉÖºÉÉ®ú ÊEòªÉÉ VÉÉiÉÉ ½èþ* are valued as under:   ½äþVÉ º´Éè{É Hedge Swaps: ¤ªÉÉVÉ nù®ú º´Éè{É, VÉÉä ¤ªÉÉVÉ ´ÉɱÉÒ +ÉκiɪÉÉå +Éè®ú näùªÉiÉÉ+Éå EòÉ ¤ÉSÉÉ´É Interest rate swap which hedges interest bearing Eò®úiÉÒ ½èþ, EòÉä ={ÉÊSÉiÉ +ÉvÉÉ®ú {É®ú ʽþºÉÉ¤É ¨Éå ʱɪÉÉ VÉÉiÉÉ ½èþ =ºÉ assets or liabilities are accounted for on accrual basis +ÉκiÉ +lÉ´ÉÉ näùªÉiÉÉ ½äþiÉÖ xÉɨÉÉäÊqù¹]õ º´Éè{É EòÉä UôÉäc÷Eò®ú ÊVɺÉä Ê´ÉkÉÒªÉ except the Swaps designated with an asset or liability that is carried at lower of cost or market value in the Ê´É´É®úhÉÉå ¨Éå ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ {É®ú +lÉ´ÉÉ ±ÉÉMÉiÉ ªÉÉ ¤ÉÉVÉÉ®ú ¨ÉÚ±ªÉ ºÉä Eò¨É financial statements. ¨ÉÚ±ªÉ {É®ú ʱɪÉÉ VÉÉiÉÉ ½èþ* Gains or Losses on the termination of Swaps are º´Éè{É Eäò ÊxÉ®úºÉxÉ {É®ú ½þÉäxÉä ´ÉɱÉä ±ÉÉ¦É +lÉ´ÉÉ ½þÉÊxÉ EòÉä º´Éè{É EòÒ recognized over the shorter of the remaining ºÉÆÊ´ÉnùÉMÉiÉ +´ÉÊvÉ +lÉ´ÉÉ +ÉκiɪÉÉå/näùªÉiÉÉ+Éå EòÒ ¶Éä¹É +´ÉÊvÉ contractual life of the Swap or the remaining life of ºÉä Eò¨É {É®ú +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* the assets / liabilities.  ]ÅäõËb÷MÉ º´Éè{É  Trading Swaps: ]ÅäõËb÷MÉ º´Éè{É ±ÉäxÉnäùxÉÉå EòÉä Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå nùVÉÇ {ÉÊ®ú´ÉiÉÇxÉÉå Eäò Trading Swap transactions are marked to market with ºÉÉlÉ ¤ÉÉVÉÉ®ú ºÉä ÊSÉʽþxiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* changes recorded in the financial statements. 7. +ÊOÉ¨É 7. Advances:

(i) ¦ÉÉ®úiÉ ¨Éå +ÊOɨÉÉå EòÉä ¨ÉÉxÉEò, +´É¨ÉÉxÉEò, ºÉÆÊnùùMvÉ +lÉ´ÉÉ ½þÉÊxÉMÉiÉ Eäò (i) Advances in India are classified as Standards, Sub °ü{É ¨Éå ´ÉMÉÔEÞòiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ +Éè®ú ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò uùÉ®úÉ Standard, Doubtful or Loss Assets and provision for ÊxÉvÉÉÇÊ®úiÉ Ê´É´ÉäEò{ÉÚhÉÇ ¨ÉÉxÉnÆùb÷Éå Eäò +xÉÖºÉÉ®ú |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* advances are made as per Prudential Norms of the RBI. In respect of advances made in overseas branches, Ê´Énäù¶ÉÒ ¶ÉÉJÉÉ+Éå ¨Éå ÊEòB MÉB +ÊOɨÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò advances are classified in accordance with Prudential uùÉ®úÉ ÊxÉvÉÉÇÊ®úiÉ Ê´É´ÉäEò{ÉÚhÉÇ ¨ÉÉxÉnÆùb÷Éå +Éè®ú ÊVÉºÉ näù¶É ¨Éå +ÊOÉ¨É ÊnùB MÉB Norms prescribed by the RBI or Local Laws of the host ½éþ =xÉEäò ºlÉÉxÉÒªÉ EòÉxÉÚxÉÉå, VÉÉä +ÊvÉEò Eòc÷É ½þÉä, Eäò +xÉÖºÉÉ®ú ´ÉMÉÔEÞòiÉ countries in which advances are made, whichever is more ÊEòªÉÉ VÉÉiÉÉ ½èþ* stringent. (ii) |ÉEòÊ]õiÉ +ÊOÉ¨É +xÉVÉÇEò +ÊOɨÉÉå ½äþiÉÖ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉ +Éè®ú ºÉÆ®úÊSÉiÉ (ii) Advances disclosed are net of provisions made for non +ÊOɨÉÉå Eäò =ÊSÉiÉ ¨ÉÚ±ªÉ Eäò ¿ÉºÉ Eäò ¤Énù±Éä ÊEòB MÉB |ÉÉ´ÉvÉÉxÉÉå EòÉ performing advances and provisions in lieu of diminution in the fair value of restructured advances. The provision ÊxÉ´É±É ½þÉäiÉÉ ½éþäþ* ºÉÆ®úÊSÉiÉ +ÊOɨÉÉå Eäò =ÊSÉiÉ ¨ÉÚ±ªÉ Eäò ¿ÉºÉ Eäò |ÉÉ´ÉvÉÉxÉ for diminution in fair value of restructured advances is EòÉä ¦ÉÉÊ®ú¤Éé Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ÊxÉ´É±É ´ÉiÉǨÉÉxÉ ¨ÉÚ±ªÉ {É®ú ¨ÉÉ{ÉÉ measured in net present value terms as per RBI VÉÉiÉÉ ½èþ* guidelines. iÉlÉÉÊ{É ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ¨ÉÉxÉEò +ÊOɨÉÉå (iii) The provision made for standard advances (performing) (iii) in terms of RBI guidelines is however included in "Other (={ɪÉÉäVªÉ) ½äþiÉÖ ÊEòB MÉB |ÉÉ´ÉvÉÉxÉ EòÉä ‘‘+xªÉ näùªÉiÉÉBÄ B´ÉÆ |ÉÉ´ÉvÉÉxÉ” Liabilities and Provisions". Eäò iɽþiÉ ¶ÉÉÊ¨É±É ÊEòªÉÉ VÉÉiÉÉ ½èþ*

8. κlÉ®ú +ÉκiɪÉÉÄ +Éè®ú ¨ÉÚ±ªÉ¿ÉºÉ 8. Fixed Assets and Depreciation: (i) £òÒ½þÉä±b÷ ¦ÉÚ欃 +Éè®ú ±ÉÒVÉ ½þÉä±b÷ ¦ÉÚ欃 ºÉʽþiÉ {ÉÊ®úºÉ®úÉå EòÉä (i) Premises including Freehold land and leasehold land =xÉEòÒ {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ ®úÉ榃 ¨Éå nù¶ÉÉǪÉÉ MɪÉÉ ½èþ +Éè®ú +xªÉ κlÉ®ú are stated at their revalued amount and other Fixed

237 +ÉκiɪÉÉå EòÉä =xÉEòÒ {É®Æú{É®úÉMÉiÉ ±ÉÉMÉiÉ {É®ú nù¶ÉÉǪÉÉ VÉÉiÉÉ ½èþ* Assets are stated at their historical cost. Whenever VÉ¤É Eò¦ÉÒ EòÊiÉ{ÉªÉ +ÉκiɪÉÉå EòÉ {ÉÖxɨÉÚDZªÉÉÆEòxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ certain Assets are revalued the Bank adopts the iÉÉä ¤ÉéEò <ºÉ ºÉƤÉÆvÉ ¨Éå ¦ÉÉÊ®ú¤Éé uùÉ®úÉ VÉÉ®úÒ Ênù¶ÉÉÊxÉnæù¶ÉÉå EòÉä guidelines issued by the RBI and compliances of Accounting Standards issued in this regard. Any +{ÉxÉÉiÉÉ ½èþ +Éè®ú ±ÉäJÉÉ ¨ÉÉxÉEòÉå EòÉ +xÉÖ{ÉɱÉxÉ Eò®úiÉÉ ½èþ* BäºÉä upward revision on such revaluation is credited to {ÉÖxɨÉÚDZªÉÉÆEòxÉ ¨Éå ÊEòºÉÒ |ÉEòÉ®ú EòÒ ´ÉÞÊrù EòÉä {ÉÖxɨÉÚDZªÉÉÆEòxÉ Ê®úVÉ´ÉÇ Revaluation Reserve. As per Revised AS-10 "Property, Plant and Equipment" issued by ICAI, effective from ¨Éå VɨÉÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* 1 +|Éè±É, 2017 ºÉä |ɦÉÉ´ÉÒ +É<ǺÉÒB+É<Ç st uùÉ®úÉ VÉÉ®úÒ ºÉƶÉÉäÊvÉiÉ BBºÉ-10 ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ +Éè®ú ={ÉEò®úhÉ 1 April 2017 Additional depreciation charged on “ ” revalued assets is directly transferred from Eäò +xÉÖºÉÉ®ú {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ +ÉκiɪÉÉå {É®ú |ɦÉÉÊ®úiÉ +ÊiÉÊ®úHò Revaluation Reserve to Revenue & Other Reserves. ¨ÉÚ±ªÉ¿ÉºÉ EòÉä ºÉÒvÉä {ÉÖxɨÉÚDZªÉÉÆEòxÉ Ê®úVÉ´ÉÇ ºÉä ®úÉVɺ´É +Éè®ú +xªÉ (ii) Premises under construction is shown under a Ê®úVÉ´ÉÇ ¨Éå +ÆiÉÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* separate heading "Premises under Construction". (ii) ÊxɨÉÉÇhÉÉvÉÒxÉ {ÉÊ®úºÉ®úÉå EòÉä {ÉÞlÉEò ¶ÉÒ¹ÉÇ ‘ÊxɨÉÉÇhÉÉvÉÒxÉ {ÉÊ®úºÉ®’ú Eäò Advances to contractors is shown under the head +ÆiÉMÉÇiÉ nù¶ÉÉǪÉÉ VÉÉiÉÉ ½èþ* `äöEäònùÉ®úÉå EòÉä ÊnùB MÉB +ÊOɨÉÉå EòÉä "Other Assets". ‘+xªÉ +ÉκiɪÉÉÄ’ Eäò +ÆiÉMÉÇiÉ nù¶ÉÉǪÉÉ VÉÉiÉÉ ½èþ* (iii) Depreciation is charged on composite cost of Land (iii) VɽþÉÆ VɨÉÒxÉ EòÒ {ÉÞlÉEò ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ ´É½þÉÆ VɨÉÒxÉ +Éè®ú and Building, where separate cost of land is not ¦É´ÉxÉ EòÒ ºÉÆÊ¨É¸É ±ÉÉMÉiÉ {É®ú ¨ÉÚ±ªÉ¿ÉºÉ |ɦÉÉÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* available. (iv) {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ +ÉκiɪÉÉå ºÉʽþiÉ ÎºlÉ®ú +ÉκiɪÉÉå {É®ú ¨ÉÚ±ªÉ¿ÉºÉ (iv) Depreciation on Fixed Assets including revalued EòÉ |ÉÉ´ÉvÉÉxÉ PÉ]õiÉä ¶Éä¹É {ÉrùÊiÉ Eäò +ÉvÉÉ®ú {É®ú ÊxɨxÉʱÉÊJÉiÉ nù®úÉå assets is provided as per the following rates on diminishing balance method as decided by the {É®ú ÊEòªÉÉ VÉÉiÉÉ ½èþ VÉèºÉÉ ÊEò |ɤÉÆvÉxÉ uùÉ®úÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2014- Management from the Financial year 2014-15 and 15 +Éè®ú +ÉMÉä ½äþiÉÖ ÊxÉhÉÇªÉ Ê±ÉªÉÉ MɪÉÉ ½èþ* onwards.

Gò¨É ºÉÆJªÉÉ ¨ÉÚ±ªÉ¿ÉºÉ nù®ú Sl. No. +ÉκiɪÉÉå EòÒ ¸ÉähÉÒ / CATEGORY OF ASSET DEPRECIATION RATE [%] 1 ¦É´ÉxÉ B´ÉÆ {ÉÊ®úºÉ®ú /Building and Premises 5.00 2 ºÉɨÉÉxªÉ ¡òxÉÔSÉ®ú ¨Énåù ªÉlÉÉ ¨ÉäVÉ, EÖòºÉÔ, +±É¨ÉÉ®úÒ, EäòʤÉxÉä]õ, º]ÅõÉÆMÉ °ü¨É nù®ú´ÉÉVÉä

(v) Eò¨{ªÉÚ]õ®úÉå, b÷É]õÉ |ÉÉäºÉä˺ÉMÉ ¨É¶ÉÒxÉÉå BB±É{ÉÒB¨É {É®ú +´ÉIÉªÉ EòÉ |ÉÉ´ÉvÉÉxÉ, (v) On Computers, Data Processing Machines, ALPMs, ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ°ü{É ºÉÒvÉÒ ®äúJÉÉ {ÉrùÊiÉ depreciation is provided at the rate of 33.33% on Straight Line Method (SLM) so as to write down the asset value in +ÉvÉÉ®ú {É®ú 33.33% EòÒ nù®ú ºÉä ÊEòªÉÉ VÉÉiÉÉ ½èþ ÊVɺɺÉä iÉÒxÉ ´É¹ÉÉæ ¨Éå +ÉκiÉ EòÉ ¨ÉÚ±ªÉ +´ÉʱÉÊJÉiÉ ÊEòªÉÉ VÉÉ ºÉEäò* three years as per RBI guidelines. (vi) ±ÉÒVɽþÉä±b÷ ¦ÉÚ欃 {É®ú |ÉÒÊ¨ÉªÉ¨É ({ÉÖxɨÉÚDZªÉÉÆÊEòiÉ ®úÉ榃 ºÉʽþiÉ) EòÉä ±ÉÒVÉ (vi) Premium on Leasehold Land (including revalued amount) EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ ºÉÒvÉÒ ®äúJÉÉ {ÉrùÊiÉ {É®ú {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ is amortized over the period of the lease on Straight Line ½èþ* Method. (vii) VɽþÉÆ ¨ÉÚ±É ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ ´É½þÉÆ ±ÉÒVɽþÉä±b÷ ¦ÉÚ欃 Eäò |ÉÒÊ¨ÉªÉ¨É (vii) Premium on Leasehold Land is amortized over the period EòÉä ±ÉÉMÉiÉ +lÉ´ÉÉ +´ÉʱÉÊJÉiÉ ¨ÉÚ±ªÉ {É®ú {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* of the lease, based on cost or written down value, where original cost is not available. (viii) `5000/- iÉEò Eäò {ÉÚÆVÉÒMÉiÉ ´ªÉªÉ ºÉÒvÉä “JÉSÉÇ JÉÉiÉÉ - ¨É®ú¨¨ÉiÉ B´ÉÆ (viii) The Capital Expenditure up to `5000/- is debited directly ®úJÉ®úJÉÉ´É” ¨Éå xÉɨÉä ʱÉJÉä VÉÉiÉä ½éþ* to "Charges Account - Repairs & Maintenance."

238 (ix) ´É¹ÉÇ Eäò nùÉè®úÉxÉ GòªÉ EòÒ MÉ<Ç/¤ÉäSÉÒ MÉ<Ç/½þ]õÉ<Ç MÉ<Ç +ÉκiɪÉÉå {É®ú ªÉlÉÉxÉÖ{ÉÉiÉ (ix) Pro-rata depreciation is provided on the assets purchased +ÉvÉÉ®ú {É®ú +´ÉIÉªÉ EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* / sold / discarded during the year. (x) Ê´Énäù¶ÉÒ ¶ÉÉJÉÉ+Éå EòÒ ÎºlÉ®ú +ÉκiɪÉÉå {É®ú +´ÉIÉªÉ EòÒ MÉhÉxÉÉ =ºÉ näù¶É (x) Depreciation on Fixed Assets of Foreign branches is ¨Éå |ÉSÉʱÉiÉ EòÉxÉÚxÉ Eäò +xÉÖºÉÉ®ú EòÒ VÉÉiÉÒ ½èþ* provided as per the applicable laws prevalent in that country. 9. +¨ÉÚiÉÇ +ÉκiɪÉÉÄ (EÆò{ªÉÚ]õ®ú ºÉÉì}] õõ´ÉäªÉ®ú) 9. Intangible Assets (Computer Software): (i) Eò¨{ªÉÚÚ]õ®ú ½äþiÉÖ ºÉÉì}]õ´ÉäªÉ®ú, ÊVÉºÉ Ê´Éʶɹ]õ ºÉÉì}]õ´ÉäªÉ® Eäò ʤÉxÉÉ EÆò¨{ÉÚ]õ®ú (i) Software for a computer that cannot operate without that {ÉÊ®úSÉÉʱÉiÉ xɽþÓ ½þÉä ºÉEòiÉÉ, ºÉƤÉrù ½þÉbÇ÷´ÉäªÉ®ú EòÉ +ʦÉzÉ ¦ÉÉMÉ ½èþ, iÉlÉÉ specific software is an integral part of related hardware +SÉ±É +ÉκiÉ ¨ÉÉxÉÉ VÉÉiÉÉ ½èþ* VɽþÉÄ ºÉÉì}]õ´ÉäªÉ® ½þÉbÇ÷´ÉäªÉ®ú EòÉ +ʦÉzÉ and is treated as fixed asset and is amortised along with the computer hardware. Where the software is not an +ÆMÉ xɽþÓ ½èþ ´É½þÉÄ EÆò{ªÉÚ]õ®ú ºÉÉì}]õ´ÉäªÉ® EòÉä +¨ÉÚiÉÇ +ÉκiÉ ¨ÉÉxÉÉ VÉÉiÉÉ integral part of the related hardware, Computer software ½èþ* is recognised as an Intangible Asset. (ii) ´Éåb÷®úÉå ºÉä |ÉÉ{iÉ EÆò{ªÉÚ]õ®ú ºÉÉì}]õ´ÉäªÉ® EòÉä iÉ¤É +¨ÉÚiÉÇ +ÉκiÉ ¨ÉÉxÉÉ (ii) Computer software acquired from vendors is recognised VÉɪÉäMÉÉ VÉ¤É ºÉÉì}]õ´ÉäªÉ® EòÉ ¨ÉÚ±ªÉ/±ÉÉMÉiÉ `10 ±ÉÉJÉ ºÉä +ÊvÉEò ½þÉäþ* as Intangible Asset only if the value /cost of the software <ºÉ |ÉEòÉ®ú EòÒ +¨ÉÚiÉÇ +ÉκiɪÉÉÄ =xÉEòÒ ÊGòªÉɶÉÒ±É +´ÉÊvÉ Eäò nùÉè®úÉxÉ is more than `10 Lakhs. Such intangible assets are amortised over its effective life subject to a maximum +ÊvÉEòiÉ¨É nùºÉ ´É¹ÉÇ EòÒ +´ÉÊvÉ iÉEò {ÉÊ®ú¶ÉÉäÊvÉiÉ EòÒ VÉÉiÉÒ ½èþ* period of ten years.

10. Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É 10. Employee Benefits: (i) ¤ÉéEò xÉä Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É Eäò ºÉƤÉÆvÉ ¨Éå +{ÉxÉÒ näùªÉiÉÉ+Éå EòÒ ¨ÉÉxªÉiÉÉ ½äþiÉÖ (i) The Bank has applied Accounting Standard 15(Revised) ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 15 - Employees Benefits, issued by The Institute of Chartered Accountants of India, for recognition of its liabilities in (ºÉƶÉÉäÊvÉiÉ)- Eò¨ÉÇSÉÉ®úÒ ±ÉÉ¦É ±ÉÉMÉÚ ÊEòªÉÉ ½èþ* respect of employee benefits. (ii) nùÒPÉÉÇ´ÉÊvÉ {ÉÊ®ú¦ÉÉʹÉiÉ Eò¨ÉÇSÉÉ®úÒ ±ÉɦÉÉå Eäò |ÉÊiÉ näùªÉiÉÉ EòÉ ÊxÉvÉÉÇ®úhÉ (ii) Liability towards long term defined employee benefits is ÊiɨÉɽþÒ +Éè®ú ´É¹ÉÇ Eäò +ÆiÉ ¨Éå º´ÉiÉÆjÉ ¤ÉÒ¨ÉÉÆEòEòÉå uùÉ®úÉ +ÊvÉ´É̹ÉiÉÉ determined based on actuarial valuation by independent ªÉÉäVÉxÉÉ+Éå Eäò ÊxÉÊvɪÉxÉ ºÉƤÉÆvÉÒ ¤ÉéEò EòÒ xÉÒÊiÉ ¨Éå ʱÉÊJÉiÉ Ê´ÉÊvɪÉÉå EòÉ actuaries at the year-end by using various Actuarial Assumptions chosen following the modalities documented {ÉɱÉxÉ Eò®úiÉä ½ÖþB ½èþ +Éè®ú xÉÒSÉä =α±ÉÊJÉiÉ ÊxÉÊiɪÉÉå Eäò +xÉÖºÉÉ®ú {ÉÊ®úªÉÉäÊVÉiÉ in the Bank's Policy on Funding Superannuation Schemes

B. OÉäSªÉÖ]õÒ a. Gratuity: ¤ÉéEò ªÉlÉÉκlÉÊiÉ OÉSªÉÖ]õÒ ¦ÉÖMÉiÉÉxÉ +ÊvÉÊxɪɨÉ, 1972/ºÉä´ÉÉ {ÉÆSÉÉ]õÉå/ The Bank pays gratuity in case of retirement or death ºÉä´ÉÉ Ê´ÉÊxɪɨÉxÉÉå Eäò |ÉÉ´ÉvÉÉxÉÉå Eäò ºÉƤÉÆvÉ ¨Éå +{ÉxÉä Eò¨ÉÇSÉÉÊ®úªÉÉå EòÒ or resignation or termination etc. of its employees, ºÉä´ÉÉ ÊxÉ´ÉÞÊkÉ +lÉ´ÉÉ ¨ÉÞiªÉÖ +lÉ´ÉÉ iªÉÉMÉ{ÉjÉ +lÉ´ÉÉ ºÉä´ÉÉ ºÉ¨ÉÉÎ{iÉ having regard to the provisions of Payment of Gratuity Act, 1972 / Service Awards / Service +ÉÊnù Eäò ¨ÉɨɱÉÉå ¨Éå OÉäSªÉÖ]õÒ EòÉ ¦ÉÖMÉiÉÉxÉ Eò®úiÉÉ ½èþ* OÉäSªÉÖ]õÒ Eäò Regulations, as the case may be. A fund created ¦ÉÖMÉiÉÉxÉ ½äþiÉÖ ¤ÉéEò Eäò +ƶÉnùÉxÉ ºÉä ºÉÞÊVÉiÉ ÊxÉÊvÉ EòÉ ®úJÉ®úJÉÉ´É out of Bank's contribution is maintained by an in- +ÉÆiÉÊ®úEò ]Åõº]õ uùÉ®úÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* ¤ÉéEò <ºÉ ÊxÉÊvÉ ¨Éå +{ÉxÉÉ house Trust for payment of gratuity. The Bank makes contribution to this fund on the basis of actuarial +ƶÉnùÉxÉ OÉäSªÉÖ]õÒ Eäò ºÉƤÉÆvÉ ¨Éå +{ÉxÉÒ näùªÉiÉÉ Eäò ¤ÉÒ¨ÉÉÆÊEòEò ¨ÉÚ±ªÉxÉ valuation of its liability. Eäò +ÉvÉÉ®ú {É®ú Eò®úiÉÉ ½èþ*

¤ÉÒ. {Éå¶ÉxÉ (B¤ÉÒ<Çú{ÉÒ+É®ú) b. Pension (ABEPR): <±ÉɽþɤÉÉnù ¤ÉéEò (Eò¨ÉÇSÉÉ®úÒ) {Éå¶ÉxÉ Ê´ÉÊxɪɨÉxÉ, 1995 (B¤ÉÒ<Çú{ÉÒ+É®ú) The Bank pays pension under Allahabad Bank Eäò +ÆiÉMÉÇiÉ ¤ÉéEò =xÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä {Éå¶ÉxÉ EòÉ ¦ÉÖMÉiÉÉxÉ Eò®úiÉÉ ½èþ (Employees) Pension Regulations, 1995(ABEPR- ÊVÉx½þÉåxÉä <ºÉ Ê´ÉÊxɪɨÉxÉ Eäò +ÆiÉMÉÇiÉ {Éå¶ÉxÉ EòÉ Ê´ÉEò±{É ÊnùªÉÉ ½èþ 1995) to employees, who exercised option under the Regulations and also to Employees joining the +Éè®ú =xÉ Eò¨ÉÇSÉÉÊ®úªÉÉå EòÉä ¦ÉÒ VÉÉä ¤ÉéEò ºÉä´ÉÉ ¨Éå 29.09.1995 ºÉä Bank's Service during the period from 29.09.1995 31.3.2010 EòÒ +´ÉÊvÉ Eäò nùÉè®úÉxÉ +ÉB ½éþ* <ºÉ ªÉÉäVÉxÉÉ ¨Éå to 31.03.2010. The plan provides for a pension / ´ÉäiÉxÉ +Éè®ú +½ÇþEò ºÉä´ÉÉ Eäò +ÉvÉÉ®ú {É®ú, ºÉä´ÉÉ ÊxÉ´ÉÞÊkÉ/¨ÉÞiªÉÖ, VÉèºÉÉ family pension on monthly basis in respect of these employees on their retirement / death, as the case ¦ÉÒ ¨ÉɨɱÉÉ ½þÉä, EòÒ ÎºlÉÊiÉ ¨Éå

11. +ÉªÉ +Éè®ú ´ªÉªÉ EòÉ +ʦÉYÉÉxÉ 11. Recognition of Income and Expenditure :

(i) +ɪÉ-´ªÉªÉ EòÉ Ê½þºÉÉ¤É ºÉɨÉÉxªÉiÉ: ={ÉSÉªÉ +ÉvÉÉ®ú {É®ú ÊEòªÉÉ VÉÉiÉÉ ½è (i) Income and Expenditure are generally accounted for on VÉ¤É iÉEò ÊEò +xªÉlÉÉ ={ɤÉÆÊvÉiÉ xÉ ½þÉä*þ accrual basis unless otherwise stated.

(ii) +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉå Eäò °ü{É ¨Éå ´ÉMÉÔEÞòiÉ +ÊOɨÉÉå {É®ú ¤ªÉÉVÉ iÉlÉÉ +xªÉ (ii) Interest and Other Income in cases of Non Performing +ÉªÉ EòÉä ´ÉºÉÚ±ÉÒ EòÒ ¨ÉÉjÉÉ iÉEò +ʦÉÊxÉvÉÉÇÊ®úiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Assets/Investments are recognized to the extent realized.

(iii) +xÉÖ{ɪÉÉäVªÉ +ÉκiɪÉÉå ºÉä ´ÉºÉÚ±ÉÒ ºÉÆÊnùMvÉ/½þÉÊxÉMÉiÉ +ÉκiɪÉÉå Eäò ¨ÉɨɱÉä (iii) Recoveries from Non-Performing Assets (NPAs), in case ¨Éå {ɽþ±Éä ¨ÉÚ±ÉvÉxÉ +Éè®ú ¤ÉÉnù ¨Éå ¤ªÉÉVÉ Ê´ÉÊxɪÉÉäÊVÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ of Doubtful/ Loss Assets is appropriated first against the Principal and then interest, whereas in case of VɤÉÊEò +´É¨ÉÉxÉEò +ÉκiɪÉÉå Eäò ¨ÉɨɱÉä ¨Éå {ɽþ±Éä ¤ªÉÉVÉ +Éè®ú ¤ÉÉnù ¨Éå Substandard Assets, such recovery is appropriated first ¨ÉÚ±ÉvÉxÉ EòÉä Ê´ÉÊxɪÉÉäÊVÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* against the interest and then against the Principal.

240 (iv) +ÉªÉ Eò®ú EòÒ ´ÉÉ{ɺÉÒ {É®ú ¤ªÉÉVÉ ºÉä |ÉÉ{iÉ +ÉªÉ +Éè®ú ¤ªÉÉVÉ Eò®ú EòÒ (iv) Income from interest on refund of Income Tax and Interest MÉhÉxÉÉ =ºÉ ´É¹ÉÇ EòÒ VÉÉiÉÒ ½èþ ÊVɺɨÉå ªÉ½þ |ÉÉ{iÉ/ºÉ¨ÉɪÉÉäÊVÉiÉ ½Öþ+É ½èþ* Tax are accounted for in the year in which it is received/ adjusted. 12. {É]Â]õÉ 12. Lease:

(i) ¤ÉéEò uùÉ®úÉ |ÉÉ{iÉ ÊEò®úÉB EòÉä ={ÉÊSÉiÉ +vÉÉ®ú {É®ú ±ÉɦÉ-½þÉÊxÉ ±ÉäJÉÉ ¨Éå Rentals received by the Bank are recognized in the Profit +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* and Loss account on accrual basis.

(ii) {ÉÊ®úSÉɱÉxÉ {É]Âõ]äõ {É®ú ±ÉÒ MÉ<Ç +ÉκiɪÉÉå ½äþiÉÖ {É]Âõ]äõ EòÉ ¦ÉÖMÉiÉÉxÉ ±ÉɦÉ- Lease payments for assets taken on operating lease are ½þÉÊxÉ ±ÉäJÉÉ ¨Éå ´ªÉªÉ Eäò °ü{É ¨Éå +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* recognized as an expense in the Profit and Loss account. 13. |ÉÊiÉ ¶ÉäªÉ®ú +VÉÇxÉ 13. Earnings Per Share: ¤ÉéEò |ÉÊiÉ <ÎC´É]õÒ ¶ÉäªÉ®ú ¤ÉäʺÉEò +Éè®ú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ EòÒ Ê®ú{ÉÉä]Çõ The Bank reports Basic and Diluted Earnings per Equity ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 20 “|ÉÊiÉ Share in accordance with Accounting Standard 20 "Earnings per Share" issued by The Institute of Chartered ¶ÉäªÉ®ú +VÉÇxÉ” Eäò +xÉÖºÉÉ®ú Eò®úiÉÉ ½èþ* Accountants of India. (i) |ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò +VÉÇxÉ EòÒ MÉhÉxÉÉ ´É¹ÉÇ ½äþiÉÖ <ÎC´É]õÒ ¶ÉäªÉ®úvÉÉ®úEòÉå {É®ú 13.1 Basic earnings per Share are computed by dividing the +É®úÉä{ªÉ Eò®ú {ɶSÉÉiÉ ÊxÉ´É±É ±ÉÉ¦É EòÉä ´É¹ÉÇ ½äþiÉÖ ¤ÉEòɪÉÉ <ÎC´É]õÒ ¶ÉäªÉ®úÉå net profit after tax for the year attributable to equity EòÒ ¦ÉÉÊ®úiÉ +ÉèºÉiÉ ºÉÆJªÉÉ ºÉä ¦ÉÉMÉ näùEò®ú EòÒ VÉÉiÉÒ ½èþ* shareholders by the weighted average number of equity shares outstanding for the year. (ii) |ÉÊiÉ ¶ÉäªÉ®ú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ ºÉƦÉÉÊ´ÉiÉ b÷É<±ªÉÚ¶ÉxÉ EòÉä |ÉÊiÉˤÉʤÉiÉ 13.2 Diluted Earnings per Share reflect the potential dilution Eò®úiÉÉ ½èþ VÉÉä =ºÉ κlÉÊiÉ ¨Éå ½þÉä ºÉEòiÉÒ ½èþ ªÉÊnù <ÎC´É]õÒ ¶ÉäªÉ®ú VÉÉ®úÒ that could occur if securities or other contracts to issue Eò®úxÉä ½äþiÉÖ |ÉÊiɦÉÚÊiɪÉÉÆ +lÉ´ÉÉ +xªÉ ºÉÆÊ´ÉnùÉ+Éå EòÉ ´É¹ÉÇ Eäò nùÉè®úÉxÉ |ɪÉÉäMÉ equity shares were exercised or converted during the year. Diluted Earnings per Share are computed using the ÊEòªÉÉ VÉÉiÉÉ ½èþ +lÉ´ÉÉ ºÉÆ{ÉÊ®ú´ÉÌiÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* |ÉÊiÉ ¶ÉäªÉ®ú b÷É<±ªÉÚ]äõb÷ weighted average number of equity shares and diluted +VÉÇxÉ EòÒ MÉhÉxÉÉ <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÒ ¦ÉÉÊ®úiÉ +ÉèºÉiÉ ºÉÆJªÉÉ +Éè®ú ´É¹ÉÇ potential equity shares outstanding at year end. Eäò +ÆiÉ ¨Éå ¤ÉEòɪÉÉ b÷É<±ªÉÚ]äõb÷ <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÉ |ɪÉÉäMÉ Eò®ú EòÒ VÉÉiÉÒ ½èþ* 14. Eò®úÉvÉÉxÉ 14. Taxation: (i) Eò®ú ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ SÉɱÉÚ Eò®ú (xªÉÚxÉiÉ¨É ´ÉèEòα{ÉEò Eò®ú (¨Éè])õ ºÉʽþiÉ) (i) Provision is made for both current Tax (including Minimum +Éè®ú +ɺlÉÊMÉiÉ nùÉäxÉÉäÆ Eò®úÉå ½äþiÉÖ ÊEòªÉÉ VÉÉiÉÉ ½èþ* Eò®ú ªÉÉäMªÉ +ÉªÉ {É®ú Alternative Tax - MAT) and Deferred tax. Current tax is provided on the taxable income using applicable tax rate SÉɱÉÚ Eò®ú EòÉ |ÉÉ´ÉvÉÉxÉ, |ɪÉÉäVªÉ Eò®ú nù®ú +Éè®ú Eò®ú ÊxɪɨÉÉå EòÉ |ɪÉÉäMÉ and tax laws. In compliance with Accounting Standard 22 Eò®úEäò ÊEòªÉÉ VÉÉiÉÉ ½èþ* ±ÉäJÉÉ ¨ÉÉxÉEò 22 Eäò +xÉÖ{ÉɱÉxÉ ¨ÉäÆ : ¦ÉÉ®úiÉ Eäò "Accounting for Taxes on Income" issued by The Institute ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ “+ÉªÉ {É®ú Eò®úÉäÆ ½þäiÉÖ ±ÉäJÉÉ”, of Chartered Accountants of India, Deferred Tax Assets ºÉ¨ÉªÉ +ÆiÉ®úÉ±É Eäò EòÉ®úhÉ =i{ÉzÉ +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÄ +Éè®ú näùªÉiÉÉBÆ, and Liabilities arising on account of timing differences and which are capable of reversal in subsequent periods VÉÉä {É®ú´ÉiÉÔ +´ÉÊvÉ ¨Éå |ÉiªÉÉ´ÉiÉÇxÉ Eäò ªÉÉäMªÉ ½éþ, iÉÖ±ÉxÉ {ÉjÉ EòÒ ÊiÉÊlÉ iÉEò are recognised using the tax rates and the tax laws that ¤ÉxÉÉB MÉB ªÉÉ ¤ÉÉnù ¨Éå ¤ÉxÉ VÉÉxÉä ´ÉɱÉä Eò®ú ÊxɪɨÉÉå +Éè®ú Eò®ú nù®úÉå EòÉ have been enacted or substantively enacted till the date |ɪÉÉäMÉ Eò®úEäò +ʦÉYÉÉiÉ EòÒ VÉÉiÉÒ ½éþ* of the Balance Sheet. (ii) xªÉÚxÉiÉ¨É ´ÉèEòα{ÉEò Eò®ú (¨Éè]õ) VɨÉÉ EòÉä +ÉκiÉ Eäò °ü{É ¨Éå iɦÉÒ ¨ÉÉxÉÉ (ii) Minimum Alternate Tax (MAT) credit is recognized as asset VÉÉBMÉÉ VÉ¤É BäºÉÉ {ÉÖ¹]õ |ɨÉÉhÉ ½þÉä ÊEò ¤ÉéEò +ɪÉ-Eò®ú +ÊvÉÊxÉªÉ¨É 1961 only when and to the extent there is convincing evidence that the Bank will pay normal income tax during the period Eäò iɽþiÉ ÊxÉÌnù¹]õ +´ÉÊvÉ Eäò +Ænù®ú ºÉɨÉÉxªÉ Eò®ú EòÉ ¦ÉÖMÉiÉÉxÉ Eò®ú näùMÉÒ* specified under the Income Tax Act, 1961. 15. xÉEònùÒ B´ÉÆ ºÉ¨ÉiÉÖ±ªÉ xÉEònùÒ 15. Cash and Cash equivalents: xÉEònùÒ B´ÉÆ xÉEònùÒ ºÉ¨ÉiÉÖ±ªÉ ¨Éå ½þÉlÉ ¨Éå xÉEònùÒ +Éè®ú B]õÒB¨É ¨Éå xÉEònùÒ, Cash and cash equivalents include cash on hand and in ¦ÉÉ®úiÉÒªÉ Ê®úWÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É, +xªÉ ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ATMs and balances with RBI, balances with other banks ºÉÚSÉxÉÉ {É®ú vÉxÉ ¶ÉÉÊ¨É±É ½èþ* and money at call and short notice.

16. κlÉ®ú +ÉκiɪÉÉå ¨Éå ¿ÉºÉ 16. Impairment of Fixed Assets: +SÉ±É +ÉκiɪÉÉå ({ÉÖxɨÉÚDZªÉÉÆÊEòiÉ +ÉκiɪÉÉå ºÉʽþiÉ) {É®ú ‘<¨{ÉäªÉ®ú¨Éå]õ Impairment losses, if any, on Fixed Assets (including +Éì¡ò ±ÉÉìºÉäºÉ’ (ªÉÊnù EòÉä<Ç ½þÉä) EòÉä +ʦÉYÉÉiÉ ÊEòªÉÉ MɪÉÉ ½èþ iÉlÉÉ revalued assets) are recognized and charged to the Profit ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 28 & Loss Account in accordance with the Accounting Standard 28 "Impairment of Assets" issued by The ‘<¨{ÉäªÉ®ú¨Éå]õ +Éì¡ò ±ÉÉìºÉäºÉ’ Eäò +xÉÖºÉÉ®ú ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ¨Éå |ɦÉÉÊ®úiÉ Institute of Chartered Accountants of India. ÊEòªÉÉ VÉÉiÉÉ ½èþ* |ÉÉ´ÉvÉÉxÉ, +ÉEòκ¨ÉEò näùªÉiÉÉBÄ iÉlÉÉ ú +ÉEòκ¨ÉEò +ÉκiɪÉÉÄ 17. Provisions, Contingent Liabilities & Contingent 17. Assets: (i) ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 29 (i) In conformity with AS 29 "Provisions, Contingent Liabilities |ÉÉ´ÉvÉÉxÉ, ‘+ÉEòκ¨ÉEò näùªÉiÉÉBÄ B´ÉÆ +ÉEòκ¨ÉEò +ÉκiɪÉÉÆ’ Eäò +xÉÖ°ü{É and Contingent Assets", issued by The Institute of ¤ÉéEò |ÉÉ´ÉvÉÉxÉ iɦÉÒ +ʦÉYÉÉiÉ Eò®úiÉÉ ½èþ VÉ¤É Chartered Accountants of India, the Bank recognizes provisions only when 241 B. ÊEòºÉÒ Ê{ÉUô±ÉÒ PÉ]õxÉÉ Eäò {ÉÊ®úhÉɨɺ´É°ü{É ´ÉiÉǨÉÉxÉ ¨Éå nùÉʪÉi´É a. it has a present obligation as a result of a past event; =i{ÉzÉ ½þÉäiÉÉ ½èþ ¤ÉÒ. ªÉ½þ ºÉÆ¦É´É ½Éä ÊEò +ÉÌlÉEò ±ÉÉ¦É ´ÉɱÉä ºÉƺÉÉvÉxÉÉå EòÉ ¤Éʽþ|ÉÇ´Éɽþ b. it is probable that an outflow of resources embodying nùÉʪÉi´É Eäò ºÉ¨ÉÉvÉÉxÉ ½äþiÉÖ +{ÉäÊIÉiÉ ½þÉäMÉÉ +Éè®ú economic benefits will be required to settle the obligation; and ºÉÒ. VÉ¤É nùÉʪÉi´É EòÒ ®úÉ榃 EòÉ Ê´É·ÉºÉxÉÒªÉ +xÉÖ¨ÉÉxÉ ÊEòªÉÉ VÉÉ ºÉEòiÉÉ c. when a reliable estimate of the amount of the ½þÉäþ* obligation can be made. (ii) ÊxɨxÉʱÉÊJÉiÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ VÉÉiÉÉ (ii) No provision is recognized for

B) Ê{ÉUô±ÉÒ PÉ]õxÉÉ+Éå ºÉä =i{ÉzÉ EòÉä<Ç ºÉƦÉÉÊ´ÉiÉ nùÉʪÉi´É +Éè®ú ÊVɺÉEòÉ a) Any possible obligation that arises from past events +κiÉi´Éõ =ºÉ PÉ]õxÉÉ Eäò ½þÉäxÉä +lÉ´ÉÉ xÉ ½þÉäxÉä {É®ú ½þÒ ÊxɦÉÇ®ú and the existence of which will be confirmed only by Eò®äúMÉÉ +lÉ´ÉÉ ¦ÉʴɹªÉ EòÒ BäºÉÒ +ÊxÉζSÉiÉ PÉ]õxÉÉBÆ VÉÉä {ÉÚhÉÇiɪÉÉþú the occurrence or non-occurrence of one or more uncertain future events not wholly within the control ¤ÉéEò Eäò ÊxɪÉÆjÉhÉ ¨Éå xɽþÓ ½èþ* of the Bank; or

¤ÉÒ) EòÉä<Ç ´ÉiÉǨÉÉxÉ nùÉʪÉi´É VÉÉä Ê{ÉUô±ÉÒ PÉ]õxÉÉ+Éå ºÉä =i{ÉzÉ ½Öþ+É ½èþ b) Any present obligation that arises from past events =ºÉä +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ MɪÉÉ CªÉÉåÊEò : but is not recognized because;

i) ªÉ½þ ºÉƦÉÉ´ªÉ xɽþÓ ½éþ ÊEò +ÉÌlÉEò ±ÉÉ¦É ´ÉɱÉä ºÉƺÉÉvÉxÉÉå EòÉ i. it is not probable that an outflow of resources ¤Éʽþ|ÉÇ´Éɽþ nùÉʪÉi´É Eäò ºÉ¨ÉÉvÉÉxÉ ½äþiÉÖ +{ÉäÊIÉiÉ ½þÉäMÉÉ +lÉ´ÉÉ embodying economic benefits will be required to settle the obligation; or ii) nùÉʪÉi´É EòÒ ®úÉ榃 EòÉ Ê´É·ÉºÉxÉÒªÉ +xÉÖ¨ÉÉxÉ xɽþÓ ÊEòªÉÉ VÉÉ ii. a reliable estimate of the amount of obligation ºÉEòiÉÉ ½èþþ* cannot be made.

(iii) +ÉEòκ¨ÉEò näùªÉiÉÉ+Éå EòÉ ÊxɪÉʨÉiÉ +ÆiÉ®úÉ±É {É®ú ÊxÉvÉÉÇ®úhÉ ÊEòªÉÉ VÉÉiÉÉ (iii) Contingent Liabilities are assessed at regular intervals ½èþ +Éè®ú nùÉʪÉi´É Eäò Eäò´É±É =ºÉÒ ¦ÉÉMÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ and only that part of the obligation for which an outflow of resources embodying economic benefits is probable, ÊVɺÉEäò ʱÉB +ÉÌlÉEò ±ÉÉ¦É ´ÉɱÉä ºÉƺÉÉvÉxÉÉå EòÉ ¤Éʽþ|ÉÇ´Éɽþ ºÉÆ¦É´É ½þÉä, is provided for, except in the extremely rare circumstances =xÉ +iªÉÆiÉ +ºÉÉvÉÉ®úhÉ {ÉÊ®úκlÉÊiɪÉÉå EòÉä UôÉäc÷Eò®ú VɽþÉÆ nùÉʪÉi´É EòÒ where no reliable estimate can be made. ®úÉ榃 EòÉ Ê´É·ÉºÉxÉÒªÉ +xÉÖ¨ÉÉxÉ xɽþÒÆú ÊEòªÉÉ VÉÉ ºÉEòiÉÉ ½þÉäþ*

(iv) Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå +ÉEòκ¨ÉEò +ÉκiɪÉÉå EòÉä +ʦÉYÉÉiÉ xɽþÓ ÊEòªÉÉ (iv) Contingent Assets are not recognized in the financial VÉÉiÉÉ ½è CªÉÉåÊEò <ºÉEäò {ÉÊ®úhÉɨɺ´É°ü{É BäºÉÒ +ÉªÉ EòÉ +ʦÉYÉÉxÉ ½þÉä statements as this may result in the recognition of income ºÉEòiÉÉ ½èþþ VÉÉä Eò¦ÉÒ ¦ÉÒ ´ÉºÉÚ±É xɽþÓ EòÒ VÉÉ ºÉEòiÉÒ* that may never be realized.

242 +xÉÖºÉÚSÉÒ 19: 31 ¨ÉÉSÉÇ 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ ºÉ¨ÉäÊEòiÉ SCHEDULE 19: NOTES ON ACCOUNTS ON THE Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå {É®ú ±ÉäJÉÉ Ê]õ{{ÉÊhɪÉÉÄ CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST MARCH 2018. 1. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò (¦ÉÉÊ®ú ¤ÉéEò) Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ°ü{É ={ɪÉÉäVªÉ 1. Adequate provision has been made by the Bank in respect iÉlÉÉ +xÉÖ{ɪÉÉäVªÉ +ÊOɨÉÉå ½äþiÉÖ {ɪÉÉÇ{iÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ MɪÉÉ ½èþ* of performing and non-performing advances in terms of Reserve Bank of India (RBI) guidelines. ®úɹ]ÅõÒªÉ +Éè®ú ºlÉÉxÉÒªÉ ºÉ¨ÉɶÉÉävÉxÉ JÉÉiÉä (BxÉBºÉÒBSÉ ºÉʽþiÉ), xÉÉäº]ÅõÉä 2. 2. The reconciliation of various inter-branches, inter-bank JÉÉiÉä ´ÉÉäº]ÅõÉä JÉÉiÉä, ¶ÉÉJÉÉ |ÉhÉɱÉÒ =SÉÆiÉ JÉÉiÉÉ ºÉʽþiÉ Ê´ÉʦÉzÉ +ÆiÉ®ú accounts, National and Local Clearing accounts (including ¶ÉÉJÉÉ, +ÆiÉ®ú ¤ÉéEò JÉÉiÉä +Éè®ú B]õÒB¨É ±ÉäxÉnäùxÉ EòÉ ºÉ¨ÉÉvÉÉxÉ BEò ºÉiÉiÉ NACH), Nostro accounts, Vostro accounts, Branch System |ÉÊGòªÉÉ ½èþ +Éè®ú |ÉÊGòªÉÉvÉÒxÉ ½èþ* 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ Eäò Suspense account and ATM transactions is an ongoing Ê´ÉkÉÒªÉ {ÉÊ®úhÉɨÉÉå {É®úú ={ɪÉÖÇHò EòÉ |ɦÉÉ´É, ªÉÊnù EòÉä<Ç ½èþ, |ɤÉÆvÉxÉ EòÒ ®úÉªÉ process and is under progress. The impact of the above, if ¨Éå ¨É½þi´É{ÉÚhÉÇ xɽþÓ ½þÉäMÉÉ* any, on the financial results for the year ended 31st March, 2018, in the opinion of the management will not be significant. 3. Ê´É´ÉÉÊnùiÉ ¨ÉɨɱÉÉå ¨Éå Ê´ÉʦÉzÉ xªÉÉʪÉEò ÊxÉhÉǪÉÉå {É®ú Ê´ÉSÉÉ®ú Eò®úxÉä Eäò ¤ÉÉnù 3. The cumulative provision for income tax (including deferred +ɪÉEò®ú ½äþiÉÖ ¤ÉéEò uùÉ®úÉ EÖò±É `2354.76 Eò®úÉäc÷ (Ê{ÉUô±Éä ´É¹ÉÇ `3543.56 tax) aggregating to `2354.76 Crore (previous year `3543.56 Eò®úÉäc÷) (+ɺlÉÊMÉiÉ Eò®ú ºÉʽþiÉ) EòÉ |ÉÉ´ÉvÉÉxÉ {ɪÉÉÇ{iÉ ¨ÉÉxÉÉ MɪÉÉ* Crore) held is considered adequate after taking into consideration various judicial decisions on disputed issues. 31.03.1997, 31.03.2005 iÉlÉÉ 31.03.2007 +Éè®ú 4. (i) 4. (i) Certain premises were revalued on the basis of the 31.03.2016 EòÉä ºÉ¨ÉÉ{iÉ ½ÖþB ´É¹ÉÇ ¨Éå EòÊiÉ{ÉªÉ {ÉÊ®úºÉ®úÉå EòÉ reports of the approved valuers during the year ended {ÉÖxɨÉÚDZªÉÉÆEòxÉ +xÉÖ¨ÉÉäÊnùiÉ ¨ÉÚ±ªÉÉÆEòEòÉå EòÒ Ê®ú{ÉÉä]Çõ Eäò +ÉvÉÉ®ú {É®ú on 31.03.1997, 31.03.2005, 31.03.2007 and ÊEòªÉÉ MɪÉÉ +Éè®ú Gò¨É¶É: `125.99 Eò®úÉäc÷ (´ÉÉÊhÉÎVªÉEò B´ÉÆ 31.03.2016 upward revision amounting to `125.99 ` +É´ÉɺÉÒªÉ), `370.08 Eò®úÉäc÷ (´ÉÉÊhÉÎVªÉEò B´ÉÆ +É´ÉɺÉÒªÉ) iÉlÉÉ Crore (commercial and residential), 370.08 Crore (commercial and residential), `298.32 Crore ` ` 298.32 Eò®úÉäc÷ (´ÉÉÊhÉÎVªÉEò) +Éè®ú 1802.10 Eò®úÉäc (+É´ÉɺÉÒªÉ (commercial) and `1802.40 crore (Residential and +Éè®ú ´ÉÉÊhÉÎVªÉEò) Eäò =v´ÉÇMÉɨÉÒ ºÉƶÉÉävÉxÉ EòÉä {ÉÖxɨÉÚDZªÉxÉ +É®úÊIÉiÉ commercial) respectively had been credited to EòÉä¹É ¨Éå VɨÉÉ ÊEòªÉÉ MɪÉÉ* |ÉiªÉäEò ´É¹ÉÇ {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ {ÉÊ®úºÉ®ú {É®ú Revaluation Reserve. Depreciation on Revalued ¨ÉÚ±ªÉ¿ÉºÉ EòÉ {ÉÊ®úEò±ÉxÉ +´ÉʱÉÊJÉiÉ ¨ÉÚ±ªÉ {É®ú ÊEòªÉÉ VÉÉiÉÉ ½èþ* premises is worked out each year on its written down value. Additional depreciation of `43.54 Crore [previous {ÉÖxɨÉÚDZªÉÉÆEòxÉ Eäò EòÉ®úhÉ `43.54 Eò®úÉäc÷ [Ê´ÉMÉiÉ ´É¹ÉÇ ¨Éå `47.56 year `47.56 Crore shown in Miscellaneous Income Eò®úÉäc÷ +xÉÖºÉÚSÉÒ ºÉÆ.14 ¨Énù (vii) ¨Éå ¶ÉÉÊ¨É±É “+xªÉ +ɪɔ ¶ÉÒ¹ÉÇ Eäò under the head "Other Income" included in Schedule +ÆiÉMÉÇiÉ Ê´ÉÊ´ÉvÉ +ÉªÉ ¨Éå nù¶ÉÉǪÉÉ MɪÉÉ ½è] EòÉä ºÉÒvÉä {ÉÖxɨÉÚDZªÉxÉ No.14 item (vii)] on account of revaluation has been +®ÊIÉiÉ JÉÉiÉä ºÉä +ÆiÉÊ®iÉ ÊEòªÉÉ MɪÉÉ ½è +Éè® ®ÉVɺ´É iÉlÉÉ “+xªÉ directly transferred from the Revaluation Reserve +®ÊIÉiÉ ÊxÉÊvɪÉÉÆ” [+xÉÖºÉÚSÉÒ ºÉÆ. 2 ¨Én ®ÉVɺ´É iÉlÉÉ +xªÉ +®ÊIÉiÉ Account and shown in "Revenue & Other Reserves" (Schedule No.2, item:Revenue and Other Reserves). ÊxÉÊvɪÉÉÆ ¨Éå n¶ÉÉǪÉÉ MɪÉÉ ½è*] þ* +iÉ: `43.54 Eò®úÉäc EòÉä SÉɱÉÚ Hence `43.54 Crore is not reckoned in the Profit and ´É¹ÉÇ Eäò ±ÉɦÉ-½þÉÊxÉ JÉÉiÉä ¨Éå xɽþÓ ÊEòªÉÉ MɪÉÉ ½èþ* BäºÉÉ ±ÉäJÉÉ xÉÒÊiÉ, Loss Account of Current Year. This is done pursuant to ºÉƶÉÉäÊvÉiÉ BBºÉ 10 ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ +Éè®ú ={ÉEò®úhÉ ¨Éå {ÉÊ®ú´ÉiÉÇxÉ Eäò change in Accounting Policy, Revised AS 10 'Property. +xÉֺɮúhÉ ¨Éå ÊEòªÉÉ MɪÉÉ ½èþ* Plant and Equipment'. (ii) VɽþÉÄ ¦ÉÚJÉÆb÷ EòÒ ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ, BäºÉä ¨ÉɨɱÉÉå ¨Éå +´ÉIÉªÉ (ii) Depreciation is charged on composite cost of Land and ¦ÉÚJÉÆb÷ iÉlÉÉ ¦É´ÉxÉ EòÒ ºÉÆÊ¨É¸É ±ÉÉMÉiÉ {É®ú ÊxÉvÉÉÇÊ®úiÉ ÊEòªÉÉ MɪÉÉ ½èþ* Building, where separate cost of land is not available. (iii) VɽþÉÄ ¨ÉÚ±É ±ÉÉMÉiÉ ={ɱɤvÉ xɽþÓ ½èþ ´É½þÉÄ {É]Âõ]õÉ +´ÉÊvÉ ½äþiÉÖ {É]Âõ]õÉvÉÉÊ®úiÉ (iii) Premium on leasehold land is amortized over the period ¦ÉÚ欃 {É®ú |ÉÒÊ¨ÉªÉ¨É EòÉ {ÉÊ®ú¶ÉÉävÉxÉ ±ÉÉMÉiÉ +ÉvÉÉ®ú {É®ú +lÉ´ÉÉ +´ÉʱÉÊJÉiÉ of lease, based on cost or written down value, where ¨ÉÚ±ªÉ {É®ú ÊEòªÉÉ MɪÉÉ ½èþ* original cost is not available. (iv) Registration formalities are yet to be completed for the (iv) ÊxɨxÉʱÉÊJÉiÉ ºÉÆ{ÉÊkɪÉÉå EòÒ {ÉÆVÉÒEò®úhÉ EòÒ +Éè{ÉSÉÉÊ®úEòiÉÉBÄ {ÉÚ®úÒ EòÒ VÉÉxÉÒ ½éþ* following properties. B. 1990 +Éè®ú 1998 Eäò nùÉè®úÉxÉ EòÉä±ÉEòÉiÉÉ B´ÉÆ ¦ÉÖ´ÉxÉä·É®ú ¨Éå a. Two (2) residential properties purchased during the year 1990 & 1998 at Kolkata & Bhubaneshwar consisting of Gò¨É¶É: 29 +Éè®ú 10 ¡ò±Éè]õ ´ÉɱÉÒ 2 +É´ÉɺÉÒªÉ ºÉÆ{ÉÊkɪÉÉÆ 29 & 10 flats respectively with total original cost of `0.86 JÉ®úÒnùÒ MÉ<È ÊVÉxÉEòÒ ¨ÉÚ±É ±ÉÉMÉiÉ `0.86 Eò®úÉäc÷ ½èþ* Crore. ¤ÉÒ. ½èþnù®úɤÉÉnù ¨Éå `1.61 Eò®úÉäc÷ EòÒ ±ÉÉMÉiÉ EòÒ ºÉÆ{ÉÊkÉ, VɽþÉÆ b. Property at Hyderabad costing `1.61 crore, where ªÉÚB±ÉºÉÒ ºÉä º´ÉÒEÞòÊiÉ ±ÉÆʤÉiÉ ½èþ +Éè®ú SÉäzÉè ¨Éå `2.32 Eò®úÉäc÷ Clearance is pending before ULC authority and at EòÒ ºÉÆ{ÉÊkÉ VɽþÉÆ b÷Ò+É®ú]õÒ uùÉ®úÉ +ÆiÉÊ®ú¨É º]äõ |ÉnùÉxÉ ÊEòªÉÉ Chennai costing `2.32 crore, where interim stay has MɪÉÉ ½èþ* been granted by DRAT. ºÉÒ. {ÉÉ®úÉnùÒ{É, +Éäb÷Ò¶ÉÉ ¨Éå 02.04.2013 ºÉä 24 +É´ÉɺÉÒªÉ ¡ò±Éè]õ c. Renewal of lease of residential plots of land measuring ´ÉɱÉä 17520 ´ÉMÉÇ¡òÒ]õ IÉäjÉ ´ÉɱÉä +É´ÉɺÉÒªÉ {±ÉÉ]õ Eäò {É]Âõ]äõ 17520 sq.ft area at Paradeep, Odisha having 24 EòÉ xÉ´ÉÒEò®úhÉ EòÉ ¨ÉɨɱÉÉ {ÉÉ®úÉnùÒ{É {ÉÉä]Çõ ]Åõº]õ Eäò ºÉÉlÉ =`ööööɪÉÉ residential flats w.e.f. 02.04.2013 has been taken up MɪÉÉ ½èþ +Éè®ú ªÉ½þ =xÉEäò Ê´ÉSÉÉ®úÉvÉÒxÉ ½èþ* with Paradeep Port Trust (PPT) and is under their consideration.

243 (v) Other Assets include intangible assets, details of which (v) +¨ÉÚiÉÇ +ÉκiɪÉÉå ºÉʽþiÉ +xªÉ +ÉκiɪÉÉå EòÉ Ê´É´É®úhÉ are as under. ÊxɨxÉÉxÉÖºÉÉ® ½èþ:

(` Eò®úÉäc÷ ¨Éå)/(` in Crore) Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹É/F.Y.Ç 2017-18 Ê´ÉkÉÒªÉ ´É¹É/F.Y.Ç 2016-17 +lÉ ¶Éä¹É / Opening Balance 50.19 55.82 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú´ÉvÉÇxÉ / Additions during the year 0.64 10.14 ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú¶ÉÉäÊvÉiÉ / Amortized during the year 10.26 15.77 <ÊiÉ ¶Éä¹É / Closing Balance 40.57 50.19

` 5. ( ) `0.44 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `0.44 Eò®úÉäc÷) Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò 5. (i) In respect of Investments of face value of 0.44 Crore i ` ÊxÉ´Éä¶ÉÉå Eäò ºÉƤÉÆvÉ ¨Éå ¤ÉéEò EòÉä +¦ÉÒ ÎºGò{ºÉ/ºÉÌ]õÊ¡òEäò]õ |ÉÉ{iÉ Eò®úxÉä (Previous year 0.44 Crore) the Bank is yet to receive ½éþ* scrips / certificates. (ii) ¶ÉäªÉ®úÉå, {ÉÊ®ú´ÉiÉÇxÉÒªÉ Êb÷¤ÉåSÉ®úÉå iÉlÉÉ <ÎC´É]õÒ ºÉä VÉÖcä÷ ¨ªÉÖSÉÖ+±É ¡Æòb÷/ (ii) Total Investments made in shares, convertible ´ÉåSÉ®ú EèòÊ{É]õ±É ¡Æòb÷ EòÒ ªÉÚÊxÉ]õÉå ºÉʽþiÉ ¶ÉäªÉ®úÉå Eäò ºÉÉ{ÉäIÉ +ÊOÉ¨É ¨Éå debentures and units of equity linked mutual funds / venture capital funds and also advances against shares EÖò±É ÊxÉ´Éä¶É `2298.42 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `1313.58 Eò®úÉäc÷) aggregate to ` 2298.42 Crore (Previous year `1313.58 ®ú½þÉ* Crore).

´É¹ÉÇ Eäò nùÉè®úÉxÉ ¤ÉéEò xÉä {ÉÊ®ú{ÉC´ÉiÉÉ iÉEò vÉÉÊ®úiÉ ¸ÉähÉÒ Eäò +ÆiÉMÉÇiÉ (iii) During the year the Bank sold certain securities under (iii) Held to Maturity category and earned profit of `22.66 EòÊiÉ{ÉªÉ |ÉÊiɦÉÚÊiɪÉÉÆ ¤ÉäSÉÒ +Éè®ú `22.66 Eò®úÉäc÷(Ê´ÉMÉiÉ ´É¹ÉÇ `223.30 Crore ((Previous Year `223.30 crore). Due to net loss Eò®úÉäc) EòÉ ±ÉÉ¦É +ÌVÉiÉ ÊEòªÉÉ* ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊxÉ´É±É ½þÉÊxÉ Eäò during the year, no appropriation has been made to EòÉ®úhÉ {ÉÚÆVÉÒ +É®úÊIÉiÉ JÉÉiÉÉ–ÊxÉ´Éä¶É ¨Éå EòÉä<Ç Ê´ÉÊxɪÉÉäVÉxÉ xɽþÓ ÊEòªÉÉ 'Capital Reserve Account-Investment' MɪÉÉ* (iv) In respect of 'Held to Maturity' category as stated in (iv) VÉèºÉÉ ÊEò ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiÉ ºÉÆJªÉÉò 6 (iv) (Eò) ¨Éå =α±ÉÊJÉiÉ ½èþ, ½äþ±b÷ ]Úõ ¨ÉèSªÉÚÊ®ú]õÒ ¸ÉähÉÒ Eäò ¨ÉɨɱÉä ¨Éå ´É¹ÉÇ Eäò nùÉè®úÉxÉ {ÉÊ®ú¶ÉÉäÊvÉiÉ significant Accounting Policy No. [6 (iv) (a)], the excess ‘ ’ of acquisition cost over the face value of the security |ÉÊiɦÉÚÊiÉ Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ Eäò >ð{É®ú `98.64 Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ amortised during the year amounting to `98.64 Crore `56.51 Eò®úÉäc÷) EòÒ ®úÉ榃 +ÊiÉÊ®úHò +VÉÇxÉ ±ÉÉMÉiÉ ½èþ iÉlÉÉ ÊVɺÉä (Previous year `56.51 Crore) has been netted-off from ÊxÉ´Éä¶É {É®ú +ÉªÉ ºÉä PÉ]õÉEò®ú ¦ÉÉ.Ê®.ú¤ÉéEò Eäò ÊxÉnæù¶ÉÉxÉÖºÉÉ®ú ±ÉÉ¦É B´ÉÆ income on investments and shown under the head ½þÉÊxÉ JÉÉiÉä Eäò ‘+ÌVÉiÉ ¤ªÉÉVÉ +Éè®ú ±ÉɦÉÉƶɒ ¶ÉÒ¹ÉÇ Eäò +ÆiÉMÉÇiÉ nù¶ÉÉǪÉÉ "Interest and Dividend earned" in Profit and Loss MɪÉÉ ½èþ* Account in terms of RBI guidelines. (v) ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò {ÉÊ®{ÉjÉ bÒ¤ÉÒ+É® ºÉÆ.¤ÉÒ{ÉÒ.¤ÉÒºÉÒ. 102/ (v) RBI circular DBR.No.BP.BC.102/21.04.048/2017-18 21.04.048/2017-18 ÊnùxÉÉÆEò 2 +|Éè±É, 2018 ¤ÉéEò EòÉä ªÉ½þ dated April 2, 2018 grants the Banks an option to spread Ê´ÉEò±{É |ÉnÉxÉ Eò®iÉÉ ½è ÊEò ´É½ 31 ÊnºÉ¨¤É®, 2017 +Éè® 31 provisioning for mark to market losses on investments ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉʽªÉÉå ½äiÉÖ ÊxÉ´Éä¶ÉÉå {É® ¤ÉÉVÉÉ® ½ÉÊxÉ for the quarters ended December 31, 2017 and March +ÆEòxÉ Eäò ʱÉB |ÉÉ´ÉvÉÉxÉÉå EòÉ Ê´ÉºiÉÉ® ½ÉÊxÉ ´ÉɱÉÒ ÊiɨÉÉ½Ò Eäò +É®Æ¦É 31,2018 equally over the four quarters commencing with quarter in which the loss is incurred. Accordingly, ºÉä SÉÉ® ÊiɨÉÉʽªÉÉå ½äiÉÖ ºÉ¨ÉÉxÉ ° {É ºÉä Eò®ä* iÉnxÉÖºÉÉ® ¤ÉéEò xÉä the Bank has exercised the option and recognized the Ê´ÉEò±{É EòÉ |ɪÉÉäMÉ ÊEòªÉÉ ½è +Éè® ½ÉÊxÉ ´ÉɱÉÒ ÊiɨÉÉ½Ò ¨Éå ÊxÉ´Éä¶É {É® Mark to Market loss (MTM Loss) on investment in the ¤ÉÉVÉÉ® ½ÉÊxÉ +ÆEòxÉ (B¨É]ÒB¨É ½ÉÊxÉ) EòÒ {ɽSÉÉxÉ EòÒ ½è* ÊnºÉ¨¤É®, quarter of incurrence. The provision for depreciation of 2017 EòÉä ªÉlÉÉʺlÉÊiÉ ÊxÉ´Éä¶É {ÉÉä]Ç¡òÉäʱɪÉÉä Eäò ¨ÉÚ±ªÉ ¿ÉºÉ EòÉ the investment portfolio as on December 2017 was ` ` |ÉÉ´ÉvÉÉxÉ `1279.00 Eò®Éäc (º|Éäb ®Ê½iÉ) +Éè® `871.32 Eò®Éäc 1279.00 crore (without spreading) and 871.32 crore lÉÉ (ºÉ|Éäb Eäò ¤ÉÉn SÉÉ® ÊiɨÉÉʽªÉÉå ¨Éå +lÉÉÇiÉ ÊnºÉ¨¤É®, 2017 ºÉä (after spreading in four quarters i.e from December, 2017 to September, 2018) and as on March 2018 was ʺÉiɨ¤É®, 2018) +Éè® ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉʺlÉÊiÉ `1731.10 `1731.10 crore (without spread) and `1322.09 crore Eò®Éäc (º|Éäb ®Ê½iÉ) +Éè® `1322.09 Eò®Éäc (º|Éäb ºÉʽiÉ SÉÉ® (with spread in four quarters from March, 2018 to ÊiɨÉÉʽªÉÉå ¨Éå ¨ÉÉSÉÇ, 2018 ºÉä ÊnºÉ¨¤É®, 2018 iÉEò) lÉÉ* +iÉ: December, 2018). Hence the balance to be provided {É®´ÉiÉÔ ÊiɨÉÉʽªÉÉå ¨Éå |ÉÉ´ÉvÉÉxÉ ÊEòB VÉÉxÉä ½äiÉÖ ¶Éä¹É +lÉÉÇiÉ ` in the subsequent quarters i.e. `181.64 crore for the 181.64 ` Eò®Éäc VÉÚxÉ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ÊiɨÉÉ½Ò ½äiÉÖ, `181.63 Eò®Éäc quarter ending June, 2018, 181.63 crore for the quarter ending September, 2018 & `45.74 crore for the quarter ʺÉiɨ¤É®, 2018 EòÉä ºÉ¨ÉÉ{iÉ ½ÉäxÉä ´ÉɱÉÒ ÊiɨÉÉ½Ò ½äiÉÖ +Éè® `45.74 ending December, 2018. Eò®Éäc ÊnºÉ¨¤É®, 2018 EòÉä ºÉ¨ÉÉ{iÉ ½ÉäxÉä ´ÉɱÉÒ ÊiɨÉÉ½Ò ½äiÉÖ ½è (vi) BSÉ]õÒB¨É ¸ÉähÉÒ EòÉä/ºÉä ʤÉGòÒ +Éè®ú +ÆiÉ®úhÉ: ´É¹ÉÇ Eäò nùÉè®úÉxÉ BSÉ]õÒB¨É (vi) Sale & Transfer to/from HTM category: All sales and ¸ÉähÉÒ EòÉä/ºÉä EòÒ MÉ<Ç ºÉ¦ÉÒ Ê¤ÉGòªÉÉÆ +Éè®ú +ÆiÉ®úhÉ ´É¹ÉÇ Eäò +É®Æú¦É Eäò transfers to/from HTM category during the year are within the limit of 5% of book value at the beginning of ¤É½þÒ ¨ÉÚ±ªÉ Eäò 5% EòÒ ºÉÒ¨ÉÉ Eäò +Ænù®ú ½èþ* BSÉ]õÒB¨É ¸ÉähÉÒ Eäò +ÆiÉMÉÇiÉ BºÉB±É+É®ú |ÉÊiɦÉÚÊiɪÉÉå EòÒ ºÉÒ¨ÉÉ ¨Éå Eò¨ÉÒ Eäò ¡ò±Éº´É°ü{É the year. The Bank has not made any sale of securities

244 ¤ÉéEò xÉä BB¡òBºÉ/BSÉB¡ò]õÒ EòÉä |ÉÊiɦÉÚÊiɪÉÉå EòÒ Ê¤ÉGòÒ ªÉÉ +ÆiÉ®úhÉ or transfer to AFS/HFT consequent upon reduction of xɽþÓ ÊEòªÉÉ ½èþ* ¤ÉéEò xÉä ÊxÉnäù¶ÉEò ¨ÉÆb÷±É Eäò +xÉÖ¨ÉÉänùxÉ ºÉä Ê´ÉkÉÒªÉ ´É¹ÉÇ ceiling on SLR Securities under HTM category. The Bank has one time shifted the securities having book 2017-18 EòÒ |ÉlÉ¨É ÊiɨÉɽþÒ Eäò nùÉè®úÉxÉ BSÉ]õÒB¨É ºÉä BB¡òBºÉ ¨Éå value of `22336.50 crore from HTM to AFS category `22336.50 Eò®úÉäc÷ Eäò ¤É½þÒ¨ÉÚ±ªÉ EòÒ |ÉÊiɦÉÚÊiɪÉÉÆ BEò¤ÉÉ®úMÉÒ +ÆiÉÊ®úiÉ during the first quarter of FY 2017-18 with the approval EòÒ ½èþ ÊVɺÉEòÒ +xÉÖ¨ÉÊiÉ ¦ÉÉÊ®ú¤Éé Eäò ÊnùxÉÉÆEò 1 VÉÖ±ÉÉ<Ç 2015 Eäò of Board of Directors which is permitted by RBI in terms ¨Éɺ]õ®ú {ÉÊ®ú{ÉjÉ ºÉÆ. +É®ú¤ÉÒ+É<Ç/2015-16/97 b÷Ò¤ÉÒ+É®ú ºÉÆ. of Master Circular No.RBI/2015-16/97 DBR No.BP.BC.6/21.04.141/2015-16 dated July 1, 2015. ¤ÉÒ{ÉÒ.¤ÉÒºÉÒ.6/21.04.141/2015-16 uùÉ®úÉ nùÒ MÉ<Ç ½èþ* 6. The Bank has not made any financing for margin trading 6. ¤ÉéEò xÉä ´É¹ÉÇ Eäò nùÉè®úÉxÉ ¨ÉÉÌVÉxÉ ]ÅäõËb÷MÉ Eäò ʱÉB EòÉä<Ç Ê´ÉkÉ{ÉÉä¹ÉhÉ xɽþÓ during the year and also not securitised any assets. ÊEòªÉÉ ½èþ +Éè®ú xÉ ½þÒ ÊEòºÉÒ +ÉκiÉ EòÉ |ÉÊiɦÉÚÊiÉEò®úhÉ ÊEòªÉÉ ½èþ* 7. Compliance with Accounting Standards 7. ±ÉäJÉÉ ¨ÉÉxÉEòÉå EòÉ +xÉÖ{ÉɱÉxÉ The Bank has complied with the following Accounting ¤ÉéEò xÉä ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ÊxɨxÉÉäHò ±ÉäJÉÉ Standards (AS) issued by The Institute of Chartered Accountants of India and the following disclosures are ¨ÉÉxÉEòÉå (BBºÉ) EòÉ +xÉÖ{ÉɱÉxÉ ÊEòªÉÉ ½èþ iÉlÉÉ BäºÉä ±ÉäJÉÉ ¨ÉÉxÉEòÉå Eäò made in accordance with the provisions of such Accounting |ÉÉ´ÉvÉÉxÉÉå Eäò +xÉÖºÉÉ®ú ÊxɨxÉÉäHò |ÉEò]õÒEò®úhÉ ÊEòªÉä VÉÉ ®ú½äþ ½éþ* Standards.

7.1. Accounting Standard 5 "Net Profit or Loss for the Period, 7.1. ±ÉäJÉÉ ¨ÉÉxÉEò 5 : ‘+´ÉÊvÉ ½äþiÉÖ ÊxÉ´É±É ±ÉÉ¦É +lÉ´ÉÉ ½þÉÊxÉ, {ÉÚ´ÉÇ ´É¹ÉÇ EòÒ Prior Period items and Changes in Accounting Policies" ¨Énåù iÉlÉÉ ±ÉäJÉÉ xÉÒÊiɪÉÉäÆ ¨Éå {ÉÊ®ú´ÉiÉÇxÉ* Income and Expenditure relating to prior period are as {ÉÚ´ÉÇ ´É¹ÉÇ ºÉä ºÉƤÉÆÊvÉiÉ +ÉªÉ +Éè®ú ´ªÉªÉ EòÉ Ê´É´É®úhÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½èþ; under:

(` Eò®úÉäc÷ ¨Éå)/(` in crore) Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2016-17 +ɪÉ/Income (0.55) (1.06) ´ªÉªÉ/Expenditure 1.48 0.11 ÊxÉ´É±É +ɪÉ/(´ªÉªÉ)/Net Income/(Expenditure) (2.03) (1.17)

ºÉƶÉÉäÊvÉiÉ BºÉ 10 ºÉÆ{ÉÊkÉ, ºÉƪÉÆjÉ +Éè®ú ={ÉEò®úhÉ Eäò +xÉÖºÉÉ®ú ¨ÉÚ±ªÉ¿ÉºÉ Eäò There is change in accounting policy with respect to ±ÉäJÉÉ Eäò ºÉƤÉÆvÉ ¨Éå ±ÉäJÉ xÉÒÊiÉ ¨Éå {ÉÊ®ú´ÉiÉÇxÉ ½Öþ+É ½èþ VÉèºÉÉ ÊEò {Éè®úÉ 4 (i) ¨Éå accounting of depreciation as per Revised AS 10 =α±ÉÊJÉiÉ ½èþ* 'Property, Plant and Equipment' as detailed in Para No.4 (i). 7.2 ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ)14- ºÉ¨ÉɨÉä±ÉxÉ ½äiÉÖ ±ÉäJÉÉ: 7.2. Accounting Standard (AS) 14 -Accounting for Amalgamations: +ɱɤÉéEò ¡òÉ

7.3. ¤ÉéEò xÉä Eò¨ÉÇSÉÉ®úÒ ±ÉɦÉÉå ªÉlÉÉ {Éå¶ÉxÉ, OÉèSªÉÚ]õÒ, UÖô^õÒ xÉEònùÒEò®úhÉ, +Éè®ú 7.3. The Bank adopted Accounting Standard 15 (Revised)- B±ÉB¡òºÉÒ Eäò ºÉƤÉÆvÉ ¨Éå +{ÉxÉÒ näùªÉiÉÉ+Éå Eäò +ʦÉYÉÉxÉ ½äþiÉÖ ¦ÉÉ®úiÉÒªÉ Employee Benefits, issued by The Institute of Chartered ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò 15 (ºÉƶÉÉäÊvÉiÉ) Accountants of India, for recognition of its liabilities in EòÉä +{ÉxÉɪÉÉ ½èþ* respect of employee benefits, viz, Pension, Gratuity, Leave Encashment and LFC. 7.4. ÊxÉÊvÉEò/MÉè®ú-ÊxÉÊvÉEò Eò¨ÉÇSÉÉ®úÒ ±ÉɦÉÉå ªÉlÉÉ, {Éå¶ÉxÉ (B¤ÉÒ{ÉÒ<Ç+É®ú-1995), 7.4. Bank's liabilities in respect of the funded/ non-funded OÉèSªÉÚ]õÒ, +´ÉEòÉ¶É xÉEònùÒEò®úhÉ +Éè®ú B±ÉB¡òºÉÒ Eäò ºÉƤÉÆvÉ ¨Éå ¤ÉéEò EòÒ employee benefits, viz., Pension(ABEPR-1995), Gratuity, näùªÉiÉÉ EòÉä ÊxɨxÉÉxÉÖºÉÉ®ú +xÉÖ¨ÉÉäÊnùiÉ ¤ÉÒ¨ÉÉÆEòEò uùÉ®úÉ ¤ÉÒ¨ÉÉÆEòxÉ ¨ÉÚ±ªÉÉÆEòxÉ Leave Encashment and LFC Leave are recognised on Eäò +ÉvÉÉ®ú {É®ú +ʦÉYÉÉiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ* the basis of actuarial valuation carried out by approved Actuary as per following: (B) ¦ÉÉ®úiÉÒªÉ ºÉxÉnÒù ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò (a) Principles laid down in AS 15 (Revised) issued by 15(ºÉƶÉÉäÊvÉiÉ) ¨Éå ÊxÉvÉÉÇÊ®úiÉ ÊºÉrùÉÆiÉ +Éè®ú The Institute of Chartered Accountants of India, and (¤ÉÒ) ¦ÉÉ®úiÉÒªÉ ¤ÉÒ¨ÉÉÆEòEò ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ Ênù¶ÉÉÊxÉnæù¶É VÉÒBxÉ 26* (b) Guidelines GN 26 issued by Institutes of Actuaries of India.

7.5. ºÉäMɨÉå]õ ºÉÚSÉxÉÉ: ±ÉäJÉÉ ¨ÉÉxÉEò (B BºÉ) 17 / Segment Information: Accounting Standard (AS) 17 ¦ÉÉMÉ B : ´ªÉ´ÉºÉÉʪÉEò ºÉäMɨÉå]õ / Part A: Business Segments (` Eò®úÉäc÷ ¨Éå)/(` in crore) ´ªÉ´ÉºÉÉªÉ JÉÆb÷ ]ÅäõVÉ®úÒ fUthvtuhux/:tufU rhxuÖt cîrfUkd yàg cîrfUkd fwUÖt Œr;Cqr;gtk {ÉÊ®úSÉɱÉxÉ Business Corporate/ Segments Treasury wholesale Retail BankingOther Banking Total banking Operation rJJhK atÖtq JMo d; JMo atÖtq JMo d; JMo atÖtq JMo d; JMo atÖtq JMo d; JMo atÖtq JMo d; JMo Particulars Curr.Year Prev.Year Curr.Year Prev.Year Curr.Year Prev.Year Curr.Year Prev.Year Curr.Year Prev.Year htsôJ/Revenue 6012.18 6119.27 5227.20 6767.98 6762.32 6791.57 1485.82 900.12 19487.51 20578.94 vrhKtb/Result 1794.16 1953.43 -1361.48 -619.79 2174.32 2082.21 972.30 492.97 3579.30 3908.82 +xÉɤÉÆÊ]õiÉ ´ªÉªÉ Unallocated expenses 10031.27 4472.00 vrhatÖtl ÖttC Operating Profit -6451.97 - 563.18 ytg fUh / Income taxes -1877.76 -284.18 ymt"thK ÖttC/ntrl Extraordinary profit/loss 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 rlJÖt ÖttC /Net Profit -4574.21 -279.00 yàg mqalt: Other Information: FkzJth =ug;tYk Segment assets 69853.53 56460.95 109405.78 110623.02 69006.64 65531.69 2356.15 2143.91 250622.10 234759.57 dih ytckrx; ytrô;gtk Unallocated assets 3147.62 3203.07 fwUÖt ytrô;gtk Total assets 253769.72 237962.63 FkzJth =ug;tYk Segment liabilities 67856.20 53779.81 106277.54 105369.91 67033.54 62419.81 1946.18 1774.91 243113.46 223344.44 dih ytckrx; =ug;tYk Unallocated liabilities 10656.26 14618.19 fwUÖt =ug;tYk Total liabilities 253769.72 237962.63

246 ¦ÉÉMÉ ¤ÉÒ : ¦ÉÉèMÉÉäʱÉEò ºÉäMɨÉå]õ / Part B: Geographic Segments (` Eò®úÉäc÷ ¨Éå)/(` in crore) DhuÖtq yk;hhtíx[eg fwUÖt Domestic International Total atÖtq JMo d; JMo atÖtq JMo d; JMo atÖtq JMo d; JMo

Current Year Previous Year Current Year Previous Year Current Year Previous Year htsôJ /Revenue 19129.01 20260.98 358.50 317.96 19487.51 20578.94 ytrô;gtk/Assets 240644.69 225012.13 13125.03 12950.50 253769.72 237962.63

ºÉäMɨÉå] ºÉÚSÉxÉÉ {É®ú xÉÉä]õ: Notes to Segment Information:  ºÉƪÉÖHò =t¨É (MÉè®ú ¤ÉéËEòMÉ ºÉƺlÉÉBÆ) B´ÉÆ BºÉÉäʺÉB]õ Eäò ´ªÉ´ÉºÉÉªÉ EòÉä  The business of the Joint Ventures (non-banking entites) ºÉ¨ÉäÊEòiÉ ºÉäMɨÉå]õ Ê®ú{ÉÉäÍ]õMÉ ¨Éå +´Éʶɹ]õ ´ªÉ´ÉºÉÉªÉ Eäò °ü{É ¨Éå ¨ÉÉxÉÉ MɪÉÉ and Associate has been considered as residual business in consolidated segment reporting. ½èþ*õ  ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ BBºÉ 17 +Éè®ú =ºÉ {É®ú  For the purpose of segment reporting in terms of AS 17 ¦ÉÉÊ®ú¤Éé Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖºÉÉ®ú ºÉäMɨÉå]õ Ê®ú{ÉÉæÍ]õMÉ Eäò |ɪÉÉäVÉxÉ ½äþiÉÖ issued by The Institute of Chartered Accountants of India ¤ÉéEò Eäò ´ªÉ´ÉºÉÉªÉ EòÉä SÉÉ®ú ºÉäMɨÉå]õ ¨Éå ´ÉMÉÔEòiÉ ÊEòªÉÉ MɪÉÉ ½èþ +lÉÉÇiÉ and RBI guidelines thereon, the business of the bank has been classified into four segments, viz. ]ÅäõVÉ®úÒ {ÉÊ®úSÉɱÉxÉ o o Treasury Operations, o EòÉ®ú{ÉÉä®äú]õ/lÉÉäEò ¤ÉéËEòMÉ o Corporate / Wholesale Banking o JÉÖnù®úÉ ¤ÉéËEòMÉ o Retail Banking o +xªÉ ¤ÉéËEòMÉ ´ªÉ´ÉºÉÉªÉ o Other Banking business  ¦ÉÉèMÉÉäʱÉEò ºÉäMɨÉå]õ EòÉä (Eò) PÉ®äú±ÉÚ +Éè®ú (JÉ) +ÆiÉ®ú®úɹ]ÅõÒªÉ Eäò °ü{É ¨Éå  Geographical segment has been classified as (a) ´ÉMÉÔEÞòiÉ ÊEòªÉÉ MɪÉÉ ½èþ* Domestic and (b) International.  ºÉÉÆÊ´ÉÊvÉEò +{ÉäIÉÉ ºÉä +ÊvÉEò BºÉB±É+É®ú |ÉÊiɦÉÚÊiɪÉÉå ¨Éå ÊxÉ´Éä¶É +Éè®ú  Investment in SLR securities in excess of statutory MÉè®ú BºÉB±É+É®ú |ÉÊiɦÉÚÊiɪÉÉå ¨Éå ÊxÉ´Éä¶É EòÉä ]ÅäõVÉ®úÒ {ÉÊ®úSÉɱÉxÉ ½äþiÉÖ requirements and investment in non-SLR securities have ÊxÉ´Éä¶É Eäò °ü{É ¨Éå ¨ÉÉxÉÉ MɪÉÉ ½èþ* been considered as investment for Treasury Operations.  ÊEòºÉÒ Ê´É¶Éä¹É ºÉäMɨÉå]õ ºÉä ºÉÒvÉä ºÉƤÉÆÊvÉiÉ ´ªÉªÉ, +ÉκiɪÉÉåÆ +Éè®ú näùªÉiÉÉ+Éå  Expenses, assets and liabilities directly attributed to EòÉä =ºÉÒ ºÉäMɨÉå]õ EòÉä +ɤÉÆÊ]õiÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ +Éè®ú VɽþÉÆ EòÉä<Ç ¨Énù particular segment are allocated to the relative segment and wherever the items are not directly attributable to ºÉÒvÉä ÊEòºÉÒ Ê´Éʶɹ]õ ºÉäMÉä¨Éå]õ ºÉä ºÉƤÉÆÊvÉiÉ xɽþÓ ½èþ =ºÉä |ɤÉÆÊvÉiÉ ´ªÉ´ÉºÉÉªÉ specific segment the same has been allocated in Eäò +xÉÖ{ÉÉiÉ ¨Éå +ɤÉÆÊ]õiÉ ÊEòªÉÉ MɪÉÉ ½èþ* proportion to business managed. 7.6 ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®úÉå Eäò |ÉEò]õÒEò®úhÉ - ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 18 7.6. Related Party Disclosures - Accounting Standard (AS) ºÉƤÉÆÊvÉiÉ {ÉÉÌ]õªÉÉå EòÒ ºÉÚSÉÒ B´ÉÆ ±ÉäxÉnäùxÉ 18 ºÉƤÉÆÊvÉiÉ {ÉÉÌ]õªÉÉå Eäò xÉɨÉ, ¤ÉéEò Eäò ºÉÉlÉ =xÉEòÉ ºÉƤÉÆvÉ iÉlÉÉ ÊEòB MÉB List of Related Parties and Transactions: ±ÉäxÉnäùxÉ* The names of the related parties, their relationship with the bank and transaction effected- (Bò) ¨ÉÖJªÉ |ɤÉÆvÉxÉ EòĘ́ÉEò / (a) Key Management Personnel: (` ±ÉÉJÉ ¨Éå) / (` in Lac)

GòÆ.ºÉÆ.ò xÉÉ¨É {ÉnùxÉÉ¨É {ÉÊ®ú±ÉΤvɪÉÉÄ / Sl. No. Name Designation Remuneration Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 31.03.2018 fUtu g:trô:r; J;obtl rl=uNfU / Existing Directors as on 31.03.2018 2017-18 2016-17 1 ¸ÉÒb;Ò =¹ÉÉ +xÉxiɺÉÖ¥ÉÀhªÉxÉ |ɤÉÆvÉ ÊxÉnäù¶ÉEò B´ÉÆ ¨ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ®úÒ Smt. Usha Ananthasubramanian MD & CEO (VɤɺÉä/since 06.05.2017) 25.37 ¶ÉÚxªÉ/NIL 2 ¸ÉÒ BxÉ. Eäò. ºÉÉ½Ú EòɪÉÇú{ÉɱÉEò ÊxÉnäù¶ÉEò Shri N. K.Sahoo Executive Director 23.52 22.02 3 ¸ÉÒ BºÉ. ½þÊ®ú¶ÉÆEò®ú EòɪÉÇú{ÉɱÉEò ÊxÉnäù¶ÉEò Shri S. Harisankar Executive Director 22.27 2.51 ¦ÉÚ. {ÉÚ. ÊxÉnäù¶ÉEò / Ex Directors 1 ¸ÉÒ ®úÉEäò¶É ºÉä`ööÒ +vªÉIÉ B´ÉÆ |ɤÉÆvÉ ÊxÉnäù¶ÉEò Shri Rakesh Sethi Chairman & Managing Director (iÉEò/upto 30.04.2017) 14.43 21.45 2. ¸ÉÒ VÉä. Eäò. ˺ɽþ JɤÉÇú EòɪÉÇ{ÉɱÉEò ÊxÉnäù¶ÉEò Shri J.K. Singh Kharb Executive Director (iÉEò/upto 30.06.2016) 5.66 4.52

247 OÉèSªÉÖ]õÒ iÉlÉÉ UÖô^õÒ xÉEònùÒEò®úhÉ ºÉä ºÉƤÉÆÊvÉiÉ ´ªÉªÉ EòÉ ÊxÉvÉÉÇ®úhÉ ºÉ¨ÉOÉ EÆò{ÉxÉÒ Expenses towards gratuity and leave encashment are Eäò +ÉvÉÉ®ú {É®ú ´ÉÉ̹ÉEò °ü{É ºÉä ¤ÉÒ¨ÉÉÆEòEò |ÉhÉɱÉÒ uùÉ®úÉ ÊEòªÉÉ VÉÉiÉÉ ½èþ iÉlÉÉ determined actuarially on an overall basis annually and iÉnùxÉÖºÉÉ®ú =ºÉä ={ɪÉÖÇHò ºÉÚSÉxÉÉ ¨Éå xɽþÓ Ê±ÉªÉÉ MɪÉÉ ½èþ* accordingly have not been considered in the above information. ºÉƪÉÖHò =t¨É EÆò{ÉxÉÒ ªÉÚÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä VÉxÉ®ú±É <ƶªÉÉä®åúºÉ EÆò{ÉxÉÒ Ê±É. Eäò Transactions with joint venture company Universal Sompo ºÉÉlÉ ÊEòB MÉB ±ÉäxÉnäùxÉ ÊxɨxÉÉxÉÖºÉÉ®ú ½éþ* General Insurance Company Limited are as follows:

(` Eò®úÉäc÷ ¨Éå)/(` in crore)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y.2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y.2016-17

+ÌVÉiÉ +ÉªÉ / Income Earned 17.04 11.81 |ÉnùkÉ ¤ÉÒ¨ÉÉ |ÉÒÊ¨ÉªÉ¨É / Insurance Premium Paid 1.48 1.77

(¤ÉÒ) ºÉƪÉÖHò =t¨É (b) Joint Venture:

i) ªÉÖÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä VÉxÉ®ú±É

<±ÉɽþɤÉÉnù ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò: Allahabad U.P. Gramin Bank:

¤ÉéEò IÉäjÉÒªÉ OÉɨÉÒhÉ ¤ÉéEò Eäò `21.67 Eò®úÉäc÷ ¨ÉÚ±ªÉ (Ê´ÉMÉiÉ ´É¹ÉÇ The Bank is holding 35% share in Allahabad U.P. Gramin `21.67 Eò®úÉäc÷) Eäò 35 |ÉÊiɶÉiÉ EòÉä vÉÉÊ®úiÉ Eò®úiÉÉ ½èþ* Bank amounting to `21.67 Crore (previous year `21.67 Crore). ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®úÉå Eäò ºÉƤÉÆvÉ ¨Éå +xªÉ |ÉEò]õÒEò®úhÉ <ºÉ |ÉEòÉ®ú ½éþ: Other Disclosures pertaining to related parties are as under:

248 (` Eò®úÉäc÷ ¨Éå)/(` in Crore) ¨Énù/ ºÉƤÉÆÊvÉiÉ {ÉIÉEòÉ®ú {Éä®åú] õ+xÉÖ¹ÉÆMÉÒ, BäºÉÉäʺÉB]/ |ɨÉÖJÉ |ɨÉÖJÉ |ɤÉÆvÉxÉ EÖò±É (º´ÉÉʨÉi´É ÊxɪÉÆjÉhÉ ºÉƪÉÖHò ={ÉGò¨É |ɤÉÆvÉxÉ EòĘ́ÉEò EòĘ́ÉEò Eäò Eäò +xÉÖºÉÉ®ú) ºÉƤÉÆvÉÒ Items/Related Party Parent Subsidiary Associate/ Key Relatives of Total (as per Joint Management Key ownership Ventures Personnel Management control) Personnel 1 2 3 4 5 2+3+4+5 =vÉÉ®ú /Borrowings - - 233.02 - - 233.02 VɨÉÉ®úÉʶɪÉÉÆ /Deposits 893.00 - - - - - Placement of Deposits - 51.87 841.72 0.28 - 893.87 +ÊOÉ¨É / Advances 233.02 - - - - - ÊxÉ´Éä¶É / Investments 0.11 - - 0.11 - 0.11 MÉè®ú ÊxÉÊvÉEò |ÉÊiɤÉrùiÉÉBÆ / Non-funded commitments ------={ɦÉÉäMÉ EòÒ MÉ<Ç ±ÉÒËVÉMÉ/BSÉ{ÉÒ ´ªÉ´ÉºlÉÉ Leasing/HP arrangements availed ------|ÉnùÉxÉ EòÒ MÉ<Ç ±ÉÒËVÉMÉ/BSÉ{ÉÒ ´ªÉ´ÉºlÉÉ Leasing/HP arrangements provided ------+SɱÉú +ÉκiɪÉÉå EòÒ JÉ®úÒnù Purchase of fixed assets ------+SɱÉú +ÉκiɪÉÉå EòÒ Ê¤ÉGòÒ Sale of fixed assets ------|ÉnùkÉ ¤ªÉÉVÉ / Interest paid 64.01 - 19.03 - - 19.03 |ÉÉ{iÉ ¤ªÉÉVÉ / Interest received 19.03 3.01 60.99 0.01 - 64.01 ºÉä´ÉÉ |ÉÉ{iÉ Eò®úxÉÉ / Rendering of Services 18.64 - 2.85 - - 2.85 ºÉä´ÉÉ |ÉÉ{iÉ Eò®úxÉÉ / Receiving of services 2.85 - 18.64 - - 18.64 |ɤÉÆvÉxÉ ºÉÆÊ´ÉnùÉBÆ / Management contracts 2.55 0.25 2.30 - - 2.55 xÉÉä]õ: +É±É ¤ÉéEò ¡òÉ

7.7. {É]Âõ]õÉ |ÉEò]õÒEò®úhÉ-±ÉäJÉÉ ¨ÉÉxÉEò (B BºÉ) 19 7.7. Lease Disclosure- Accounting Standard (AS) 19: B) ¤ÉéEò Eäò {ÉÉºÉ EòɪÉÉDZɪÉÉå / +É´ÉɺÉÒªÉ ºÉÖÊ´ÉvÉÉ+Éå Eäò ʱÉB Ê´ÉʦÉzÉ A) The Bank has various operating leases for offices/ {ÉÊ®úSÉɱÉxÉ {É]Âõ]äõ ½éþ* <ºÉ ºÉƤÉÆvÉ ¨Éå ÊxɨxÉ´ÉiÉ |ÉEò]õÒEò®úhÉ ÊEòªÉÉ residential facilities. Disclosures in this regard are VÉÉiÉÉ ½èþ: as under: i) ÊxɨxÉʱÉÊJÉiÉ |ÉiªÉäEò +´ÉÊvÉ ½äþiÉÖ ÊxÉ®úºiÉ xÉ Eò®ú ºÉEòxÉä ´ÉɱÉä i) The total of future minimum lease payments {ÉÊ®úSÉɱÉxÉMÉiÉ {É]Âõ]õÉå Eäò +ÆiÉMÉÇiÉ ¦ÉÉ´ÉÒ xªÉÚxÉiÉ¨É {É]Âõ]äõ ¦ÉÖMÉiÉÉxÉÉå under non-cancelable operating leases for each EòÉ ªÉÉäMÉ: of the following periods:

+ºÉ¨ÉÉ{iÉ {É]Âõ]õÉ +´ÉÊvÉ ½äþiÉÖ näùªÉ ÊEò®úɪÉÉ Rent payable for unexpired lease period (` Eò®úÉäc÷ ¨Éå)/(` in Crore) ¨ÉÉèVÉÚnùÉ {É]Âõ]õÉ +´ÉÊvÉ / Existing Lease Period näùªÉ ®úÉ榃 / Amount Payable EòÉä ªÉlÉÉκlÉÊiÉ /As on EòÉä ªÉlÉÉκlÉÊiÉ /As on 31.03.2018 31.03.2017 BEò ´É¹ÉÇ ºÉä +xÉÊvÉEò / Not later than one year 130.58 126.27 BEò ´É¹ÉÇ Eäò ¤ÉÉnù iÉlÉÉ {ÉÉÄSÉ ´É¹ÉÇ ºÉä +xÉÊvÉEò / Later than one year and not later than five years 495.89 425.95

{ÉÉÄSÉ ´É¹ÉÇ Eäò ¤ÉÉnù /Later than five years 377.13 370.58

249 +{ÉxÉÒ +xÉÖ¹ÉÆMÉÒ ºÉƺlÉÉ Eäò ºÉƤÉÆvÉ ¨Éå {É]Âõ]õÉ ±ÉäJÉÉ ¨ÉÉxÉEò |ɪÉÉäVªÉ xɽþÓ ½èþ In respect of its subsidiary, lease accounting standard is not <ºÉʱÉB EÆò{ÉxÉÒ xÉä 01.04.2001 Eäò ¤ÉÉnù ºÉä EòÉä<Ç {É]Âõ]õÉ ºÉƺ´ÉÒEÞòiÉ xɽþÓ applicable since the Company has not sanctioned any lease ÊEòªÉÉ ½èþ* after 01.04.2001.

ii) iÉÖ±ÉxÉ {ÉjÉ EòÒ iÉÉ®úÒJÉ EòÉä ÊxÉ®úºiÉ xÉ Eò®ú ºÉEòxÉä ´ÉɱÉä ={É {É]Âõ]äõ ii) The total of future minimum sublease payments Eäò +ÆiÉMÉÇiÉ |ÉÉ{iÉ ÊEòB VÉÉxÉä ´ÉɱÉä |ÉiªÉÉʶÉiÉ ¦ÉÉ´ÉÒ ÊxɨxÉiÉ¨É ={É expected to be received under non-cancelable {É]Âõ]äõ Eäò ¦ÉÖMÉiÉÉxÉÉå EòÉ ªÉÉäMÉ : ¶ÉÚxªÉ (Ê{ÉUô±ÉÉ ´É¹ÉÇ: ¶ÉÚxªÉ) subleases at the balance sheet date: NIL (Previous Year: NIL) iii) ºÉƤÉÆÊvÉiÉ +´ÉÊvÉ ½äþiÉÖ ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ EòÒ Ê´É´É®úhÉÒ ¨Éå +ʦÉYÉÉiÉ {É]Âõ]äõ iii) Lease payments recognised in the statement of profit ¦ÉÖMÉiÉÉxÉ : `201.08 Eò®úÉäc÷ (Ê{ÉUô±ÉÉ ´É¹ÉÇ `188.74 Eò®úÉäc÷) and loss for the period: `201.08 Crore (Previous Year: `188.74 Crore) iv) ºÉƤÉÆÊvÉiÉ +´ÉÊvÉ ½äþiÉÖ ±ÉÉ¦É B´ÉÆ ½þÉÊxÉ EòÒ Ê´É´É®úhÉÒ ¨Éå +ʦÉYÉÉiÉ |ÉÉ{iÉ iv) Sub-lease payments received (or receivable) (+lÉ´ÉÉ |ÉÉ{ªÉ) ={É-{É]Âõ]äõ Eäò ¦ÉÖMÉiÉÉxÉ : ¶ÉÚxªÉ (Ê{ÉUô±ÉÉ ´É¹ÉÇ: ¶ÉÚxªÉ) recognised in the statement of profit and loss for the period: NIL (Previous Year: NIL) ¤ÉÒ) Ê´ÉkÉÒªÉ {É]Âõ]õÉ B) Financial Lease: ¤ÉéEò Eäò {ÉÉºÉ Ê´ÉkÉÒªÉ {É]Âõ]äõ Eäò +ÆiÉMÉÇiÉ EòÉä<Ç ºÉ¨{ÉÊkÉ xɽþÓ ½èþ* Bank is not having any assets under Financial Lease. 7.8. Earning Per Share – Accounting Standard (AS) 20 7.8. |ÉÊiÉ ¶ÉäªÉ®ú +VÉÇxÉ : ±ÉäJÉÉ ¨ÉÉxÉEò (B BºÉ) 20

Gò¨É ºÉÆ. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Sl No. Particulars 2017-18 2016-17

1. |ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò B´ÉÆú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ Basic and Diluted Earning Per Share (`) (58.35) (3.88)

|ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò B´ÉÆ b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ EòÒ MÉhÉxÉÉ / Calculation of Basic and Diluted Earning Per Share:

Gò¨É ºÉÆ. Ê´É´É®úhÉ Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. Sl No. Particulars 2017-18 2016-17

B/A ´É¹ÉÇ ½äþiÉÖ <ÎC´É]õÒ ¶ÉäªÉ®úvÉÉ®úEòÉå {É®ú +É®úÉä{ªÉ ÊxÉ´É±É ±ÉÉ¦É (` Eò®úÉäc÷ ¨Éå) Net Profit for the year attributable to Equity Share holders (` In Crores) (4574.22) (279.00) ¤ÉÒ/B <ÎC´É]õÒ ¶ÉäªÉ®úÉå EòÒ ¦ÉÉÊ®úiÉ +ÉèºÉiÉ ºÉÆJªÉÉ Weighted average number of Equity Shares 78,38,74,547 71,86,46,131 ºÉÒ/C |ÉÊiÉ ¶ÉäªÉ®ú ¤ÉäʺÉEò B´ÉÆú b÷É<±ªÉÚ]äõb÷ +VÉÇxÉ(B/¤ÉÒ) (`) Basic and Diluted Earning per Share (A/B) (`) (58.35) (3.88) b÷Ò/D |ÉÊiÉ ¶ÉäªÉ®ú xÉÉʨÉxÉ±É ¨ÉÚ±ªÉ (`) Nominal Value per share (`) 10.00 10.00

7.9. +ÉªÉ {É®ú Eò®ú ½äþiÉÖ ±ÉäJÉÉ - ±ÉäJÉÉ ¨ÉÉxÉEò (B BºÉ) 22 7.9. Accounting for Taxes on Income: Accounting Standard (AS) 22

´É¹ÉÇ Eäò nùÉè®úÉxÉ +ɺlÉÊMÉiÉ Eò®ú ºiÉ®ú Eäò ºÉ¨ÉɪÉÉäVÉxÉ Eäò °ü{É ¨Éå `1321.20 During the year, an amount of `1321.20 Crore has been Eò®úÉäc÷ (Ê´ÉMÉiÉ ´É¹ÉÇ `677.62 Eò®úÉäc (ÊxɴɱÉ)VɨÉÉ) EòÉä ±ÉÉ¦É B´ÉÆ credited (Previous year `677.62 Crore (Net)) to the Profit ½þÉÊxÉ JÉÉiÉä ¨Éå VɨÉÉ Ê±ÉJÉÉ MɪÉÉ* iÉÖ±ÉxÉ {ÉjÉ EòÒ iÉÉ®úÒJÉ EòÉä ªÉlÉÉκlÉÊiÉ & Loss Account by way of adjustment of deferred tax. +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉå/näùªÉiÉÉ+Éå Eäò ¨ÉÖJªÉ PÉ]õEò iÉÖ±ÉxÉ{ÉjÉ EòÒ The major components of Deferred Tax Assets/ Liabilities as on Balance Sheet date are as under: ÊiÉÊlÉ Eäò +xÉÖºÉÉ®ú ÊxɨxÉ´ÉiÉ ½èþ:

250 (` Eò®úÉäc÷ ¨Éå)/(` in crore) ´É¹ÉÇ Eäò |ÉÉ®ú¨¦É ¨Éä ºÉ¨ÉɪÉÉäVÉxÉ VÉÉäc÷/ ´É¹ÉÇ Eäò +ÆiÉ ¨Éå (PÉ]õÉ´É) Ê´É´É®úhÉ / Particulars At the beginning At the close of the Year Adjustment of the Year Add/(Less) atÖtq JMo d; JMo atÖtq JMo d; JMo atÖtq JMo d; JMo Current Previous Current Previous Current Previous Year Year Year Year Year Year +ɺlÉÊMÉiÉ Eò®ú +ÉκiɪÉÉÆ /Deferred Tax Assets UÖô^õÒ xÉEònùÒEò®úhÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision for Leave Encashment 119.51 105.73 0.63 13.78 120.14 119.51 B¡ò+É<Ç]õÒB±É ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ / Provision for FITL 191.75 290.71 (100.38) (98.96) 91.37 191.75 +¶ÉÉävªÉ B´ÉÆ ºÉÆÊnùMvÉ @ñhÉÉå ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ Prov. For Bad & Doubtful Debts 1939.03 1156.80 216.97 782.23 2156.00 1939.03 vÉÉ®úÉ 32 Eäò +xÉÖºÉÉ®ú ¨ÉÚ±ªÉ¿ÉºÉ Depreciation as per Sec.32 0.00 1.50 0.00 (1.50) 0.00 0.00

Loss as per Income Tax 0.00 0.00 1118.19 0.00 1118.19 0.00 +xªÉ /Others 1.26 1.30 0.93 (0.04) 2.19 1.26 EÖò±É /Total 2251.55 1556.04 1236.34 695.51 3487.89 2251.55 +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉBÄ /Deferred Tax Liabilities +SÉ±É +ÉκiɪÉÉå EòÉ ¨ÉÚ±ªÉ¿ÉºÉ / Depreciation on Fixed Assets 0.03 ¶ÉÚxªÉ/NIL 0.42 0.03 0.45 0.03 ÊxÉ´Éä¶É Eäò °ü{É ¨Éå vÉÉÊ®úiÉ |ÉÊiɦÉÚÊiɪÉÉå {É®ú ={ÉÊSÉiÉ ËEòiÉÖ +näùªÉ ¤ªÉÉVÉ Interest Accrued but not due on securities held as Investments ¶ÉÚxªÉ/NIL 67.42 0.00 (67.42) 0.00 ¶ÉÚxªÉ/NIL vÉÉ®úÉ 36(1) (viii)Eäò +ÆiÉMÉÇiÉ Eò]õÉèiÉÒ Eäò EòÉ®úhÉ Ê´É¶Éä¹É Ê®úVÉ´ÉÇ ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 Amount transferred to Special Reserve on account of deduction under Section 36 (1) (viii) of the Income Tax Act, 1961. 494.94 494.94 0.00 ¶ÉÚxªÉ/NIL 494.94 494.94 ÊxÉ´Éä¶É/|ÉÊiɦÉÚÊiɪÉÉå {É®ú ¨ÉÚ±ªÉ¿ÉºÉ Depreciation on Investment / Securities 124.98 124.98 0.00 ¶ÉÚxªÉ/NIL 124.98 124.98 +{ÉÊ®ú¶ÉÉäÊvÉiÉ Eò{É]õ |ÉÉ´ÉvÉÉxÉ Un amortised Fraud Provision 85.28 ¶ÉÚxªÉ/NIL (85.28) 85.28 0.00 85.28 +xªÉ /Others ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL 0.00 ¶ÉÚxªÉ/NIL 0.00 ¶ÉÚxªÉ/NIL EÖò±É /Total 705.23 687.33 (84.86) 17.89 620.37 705.22 +ɺlÉÊMÉiÉ Eò®ú näùªÉiÉÉBÄ (ÊxɴɱÉ) / Deferred Tax Liability (Net) (1546.32) (868.71) (1321.20) (677.62) (2867.52) (1546.32)

SÉÚÆÊEò SÉɱÉÚ Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 Eäò nùÉè®úÉxÉ ¤ÉéEò EòÉä ½þÉÊxÉ ½Öþ<Ç ½èþ +iÉ: As Bank has incurred loss during the current financial year +ɪÉEò®ú +ÊvÉÊxÉªÉ¨É 1961 EòÒ vÉÉ®úÉ 36(1) (viii) Eäò +ÆiÉMÉÇiÉ Ê´É¶Éä¹É 2017-18, hence no amount was transferred to Special Reserve Ê®úVÉ´ÉÇ ¨Éå EòÉä<Ç ®úÉ榃 +ÆiÉÊ®úiÉ xɽþÓ EòÒ MÉ<Ç* under section 36 (1)(viii) of the Income Tax Act, 1961. ¤ÉéEò xÉä MɽxÉ ºÉ¨ÉÒIÉÉ Eäò +ÉvÉÉ® {É® +Éè®ú ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ)22- +ÉªÉ {É®ú The Bank has recognized Deferred Tax Assets of `1118.19 Eò®ú ½äþiÉÖ ±ÉäJÉÉÆEòxÉ Eäò +xÉÖºÉÉ®ú Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 ½äiÉÖ ´ªÉ´ÉºÉÉªÉ ½ÉÊxÉ Crore on business loss and unabsorbed depreciation as per {É® `1118.19 Eò®Éäc EòÒ +ɺlÉÊMÉiÉ Eò® +ÉʺiɪÉÉå +Éè® +{ÉÊ®¶ÉÉäÊvÉiÉ Income Tax Act for the FY 2017-18 based on thorough review and according to Accounting Standard (AS) 22-Accounting for ¨ÉÚ±ªÉ¿ÉºÉ EòÉä +ʦÉYÉÉiÉ ÊEòªÉÉ ½è* Taxes on Income.

251 +ɪÉEò®ú +ÊvÉÊxÉªÉ¨É 1949 EòÒ vÉÉ®úÉ 145(2) Eäò +ÆiÉMÉÇiÉ 29 ʺÉiɨ¤É®ú Income computation and Disclosure Standards (ICDS) as 2016 EòÉä +ÉªÉ ºÉÆMÉhÉxÉÉ +Éè®ú |ÉEò]õÒEò®úhÉ ¨ÉÉxÉEò (+É<ǺÉÒb÷ÒBºÉ) ªÉlÉÉ|ɪÉÉäVªÉ notified u/s 145(2) of the Income Tax Act, 1961 on 29th September 2016, as applicable, has been followed in EòÉ ú Ê´ÉkÉÒªÉ ´É¹ÉÇ 2017-18 ½äþiÉÖ Eò® ªÉÉäMªÉ +ɪÉ/½ÉÊxÉ EòÒ MÉhÉxÉÉ ½äþiÉÖ computation of Taxable Income/ Loss for the financial year {ÉɱÉxÉ ÊEòªÉÉ ½èþ* 2017-18. 7.10. BºÉÉäʺÉB]õ ¨Éå ÊxÉ´Éä¶É ½äþiÉÖ ±ÉäJÉÉ(BBºÉ-23) 7.10. Accounting for Investment in Associates (AS) 23: ÊxɨxÉʱÉÊJÉiÉ BºÉÉäʺÉB]õ EòÉä ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 23 ‘‘ºÉ¨ÉäÊEòiÉ The following Associate has been consolidated as per the Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå BºÉÉäʺÉB]ÂõºÉ ¨Éå ÊxÉ´Éä¶É ½äþiÉÖ ±ÉäJÉÉ’’ Eäò +xÉÖºÉÉ®ú Accounting Standard (AS)-23 "Accounting for investments in ºÉ¨ÉäÊEòiÉ ÊEòªÉÉ MɪÉÉ ½èþ* Associates in Consolidated financial statements." ºÉƺlÉÉ EòÉ xÉÉ¨É näù¶É/ÊxÉ´ÉÉºÉ ºÉƤÉÆvÉ º´ÉÉʨÉi´É ʽþiÉ ¶ÉäªÉ®úvÉÉÊ®úiÉÉ EòÒ ®úÉ榃 Name of the entity Country/ residence Relationship Ownership Amount Interest of Shareholding (` in Crore)/(` Eò®úÉäc÷ ¨Éå) <±ÉɽþɤÉÉnù ªÉÚ{ÉÒ OÉɨÉÒhÉ ¤ÉéEò ¦ÉÉ®úiÉ |ÉɪÉÉäVÉEò ¤ÉéEò Allahabad U.P. Gramin Bank India Associates (Sponsor Bank) 35.00% 21.67

7.11. ºÉƪÉÖHò =t¨É ¨Éå ÊxÉ´Éä¶É ½äþiÉÖ ±ÉäJÉÉ(BBºÉ) 27 7.11. Accounting for Investment in Joint Ventures (AS) 27:

ÊxɨxÉʱÉÊJÉiÉ ºÉƪÉÖHò =t¨Éõ EòÉä ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 27 ‘‘ºÉ¨ÉäÊEòiÉ The following Joint Venture has been consolidated as Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå ¨Éå ºÉƪÉÖHò =t¨É ¨Éå ÊxÉ´Éä¶É ½äþiÉÖ ±ÉäJÉÉ’’ Eäò +xÉÖºÉÉ®ú per the Accounting Standard (AS) 27 "Accounting for ºÉ¨ÉäÊEòiÉ ÊEòªÉÉ MɪÉÉ ½èþ* investments in Joint Ventures in consolidated financial statements" ºÉƺlÉÉ EòÉ xÉÉ¨É näù¶É/ÊxÉ´ÉÉºÉ ºÉƤÉÆvÉ º´ÉÉʨÉi´É ʽþiÉ ¶ÉäªÉ®úvÉÉÊ®úiÉÉ EòÒ ®úÉ榃 Name of the entity Country/ residence Relationship Ownership Amount Interest of Shareholding (` in Crore)/(` Eò®úÉäc÷ ¨Éå) ªÉÖÊxɴɺÉÇ±É ºÉÉä¨{ÉÉä VÉxÉ®ú±É <ƶªÉÉä®åúºÉ EÆò.ʱÉ. ¦ÉÉ®úiÉ ºÉƪÉÖHò =t¨É Universal Sompo General Insurance Company Ltd. India Joint Venture 28.52% 105.00

BBºÉ+É®ú<ǺÉÒ(<ÆÊb÷ªÉÉ)ʱÉ. ¦ÉÉ®úiÉ ºÉƪÉÖHò =t¨É ASREC(India) Ltd. India Joint Venture 27.04% 26.50

7.12. Ê´ÉkÉÒªÉ +ÉκiɪÉÉå Eäò °ü{É ¨Éå ¤ÉéEò EòÒ +ÉκiɪÉÉå Eäò {ɪÉÉÇ{iÉ +Æ¶É {É®ú 7.12. A substantial portion of the bank's assets comprise of 'financial assets' to which Accounting Standard (AS) 28 ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ) 28 ‘<¨{ÉäªÉ®ú¨Éå]õ +Éì¡òò BºÉä]ÂõºÉ’ |ɪÉÉäVªÉ xɽþÓ 'Impairment of Assets' is not applicable. In the opinion ½èþ* |ɤÉÆvÉxÉ EòÒ ®úÉªÉ ¨Éå =Hò ¨ÉÉxÉEò Eäò +xÉÖºÉÉ®ú 31.03.2018 EòÉä of the management, there is no impairment of other ¤ÉéEò EòÒ +xªÉ +ÉκiɪÉÉå ¨Éå EòÉä<Ç <¨{ÉäªÉ®ú¨Éå]õ xɽþÓ ½èþ +Éè®ú =CiÉ assets of the Bank as at 31.03.2018 to any material ¨ÉÉxÉEò Eäò +xÉÖºÉÉ®ú +ʦÉYÉÉxÉ ½äþiÉÖ EòÉä<Ç ¨É½þi´É{ÉÚhÉÇ Ê´ÉºiÉÉ®ú xɽþÓ ½èþ extent requiring recognition in terms of the said standard.

7.13. ‘|ÉÉ´ÉvÉÉxÉ, +ÉEòκ¨ÉEò näùªÉiÉÉBÄ +Éè®ú +ÉEòκ¨ÉEò +ÉκiɪÉÉÆ’ Eäò ºÉƤÉÆvÉ 7.13. Disclosure in terms of Accounting Standard (AS) 29 on ¨Éå ±ÉäJÉÉ ¨ÉÉxÉEò (BBºÉ)29 Eäò +xÉÖºÉÉ®ú |ÉEò]õÒEò®úhÉ "Provisions, Contingent Liabilities and Contingent Assets": näùùªÉiÉÉ+Éå ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ EòÉ EòÉ ºÉÆSɱÉxÉ (<ÊiÉ ¶Éä¹É) Provision for Liabilities (Closing Balance) (` Eò®úÉäc÷ ¨Éå)/(` in crore) rJJhK / EòÉä ªÉlÉÉκlÉÊiÉ EòÉä ªÉlÉÉκlÉÊiÉ Particulars As on 31.03.2018 As on 31.03.2017 (B/a) YlveY nu;w ŒtJ"tl/Provision toward NPA 14308.11 7176.83 (¤ÉÒ/b) rlJuN vh bqÖgÄtm nu;w ŒtJ"tl/Provision for Depreciation on Investment 1328.40 575.89 (ºÉÒ/c) btlfU ytrô;gtü nu;w ŒtJ"tl/Provision towards Standard Assets 751.20 1385.86 (b÷Ò/d) ytgfUh nu;w ŒtJ"tl/Provision towards Income Tax 4117.62 5089.89 (<Ç/e) ytô:rd; fUh ytrô;/ =ug;t/Deferred Tax (Assets) / Liabilities (2867.52) (1546.33) (B¡ò/f) yàg/Others 1818.91 1991.89 fwUÖt/Total 19456.72 14674.03

252 8. +ÉEòκ¨ÉEò näùªÉiÉÉBÄ 8. Contingent Liabilities ºÉ¨ÉäÊEòiÉ iÉÖ±ÉxÉ {ÉjÉ EòÒ +xÉÖºÉÚSÉÒ 12 Eäò Gò¨É ºÉÆJªÉÉ (I) ºÉä (VI) ¨Éå Such liabilities as mentioned at Sl. No.(I) to (VI) in ªÉlÉÉ=α±ÉÊJÉiÉ BäºÉÒ näùªÉiÉÉBÄ Gò¨É¶É: xªÉɪÉɱɪÉ/+É̤É]Åäõ¶ÉxÉ/xªÉɪÉÉ±ÉªÉ schedule 12 of Consolidated Balance Sheet are Eäò ¤Éɽþ®ú ÊxÉ{É]õÉxÉ Eäò {ÉÊ®úhÉɨÉÉå, +{ÉÒ±ÉÉå Eäò ÊxÉ{É]õÉxÉ, ¨ÉÉÆMÉ EòÒ MÉ<Ç dependent upon the outcome of court / arbitration / out of court settlement, disposal of appeals, the amount ®úÉʶÉ, ºÉÆÊ´ÉnùÉMÉiÉ ¤ÉÉvªÉiÉÉ+Éå EòÒ ¶ÉiÉÉç, PÉ]õxÉÉGò¨ÉÉå +Éè®ú ºÉƤÉÆÊvÉiÉ being called up, terms of contractual obligations, {ÉIÉEòÉ®úÉå uùÉ®úÉ EòÒ MÉ<Ç ¨ÉÉÆMÉ {É®ú ÊxɦÉÇ®ú ½è* +ɱɤÉéEò ¡òÉ

(B/a) +lÉ ¶Éä¹É / Opening Balance 24.00 24.00 ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (¤ÉÒ/b) ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊEòªÉä MɪÉä |ÉÉ´ÉvÉÉxÉ EòÉ {ÉÊ®ú¨ÉÉhÉ Quantum of Provision made during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (ºÉÒ/c) ´É¹ÉÇ Eäò nùÉè®úÉxÉ bÅ÷Éì b÷É=xÉ EòÒ ®úEò¨É B´ÉÆ |ɪÉÉäVÉxÉ Purpose & Amount of draw down during the year ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL (b÷Ò/d)<ÊiÉ ¶Éä¹É/Closing Balance 24.00 24.00 ¶ÉÚxªÉ/NIL ¶ÉÚxªÉ/NIL

¤ÉÒ. +É®ÊIÉiÉ ÊxÉÊvɪÉÉå ºÉä bÅ÷Éì b÷É=xÉ: B. Draw Down from Reserves: ´É¹ÉÇ Eäò nùÉè®úÉxÉ +É®úÊIÉiÉ ÊxÉÊvɪÉÉå ºÉä EòÉä<Ç bÅ÷É b÷É=xÉ xɽþÓ ÊEòªÉÉ MɪÉÉ No amount has been drawn from the Reserve during the ½èþ (Ê´ÉMÉiÉ ´É¹ÉÇ ¶ÉÚxªÉ)* year (Previous year Nil). 16. +nùÉ´ÉÒ näùªÉiÉÉBÆ VɽþÉÆ ®úEò¨É näùªÉ ½èþ EòÉä ´É¹ÉÇ Eäò nùÉè®úÉxÉ ÊxɨxÉÉxÉÖºÉÉ®ú 16. Unclaimed liabilities where amount due has been VɨÉÉEòiÉÉÇ Ê¶ÉIÉÉ B´ÉÆ VÉÉMÉ°üEòiÉÉ ÊxÉÊvÉ (b÷Ò<ÇBB¡ò) ¨Éå +ÆiÉÊ®úiÉ ÊEòªÉÉ transferred to Depositors Education and Awareness Fund MɪÉÉ ½èþ: (DEAF) during the year are as under: (` in Crore)/(` Eò®úÉäc÷ ¨Éå)

Ê´É´É®úhÉ / Particulars Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2017-18 Ê´ÉkÉÒªÉ ´É¹ÉÇ/F.Y. 2016-17 b÷Ò<ÇBB¡ò ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 EòÉ +lÉ ¶Éä¹É Opening balance of amounts transferred to DEAF 22.41 17.54 VÉÉäcå÷: ´É¹ÉÇ Eäò nùÉè®úÉxÉ b÷Ò<ÇBB¡ò ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 Add: Amounts transferred to DEAF during the year 109.74 5.09 PÉ]õÉBÆ÷: nùÉ´ÉÉå ½äþiÉÖ b÷Ò<ÇBB¡ò ºÉä |ÉÊiÉ{ÉÚÌiÉ EòÒ MÉ<Ç ®úÉ榃 Less: Amounts reimbursed by DEAF towards claims 0.07 0.22 b÷Ò<ÇBB¡ò ¨Éå +ÆiÉÊ®úiÉ ®úÉ榃 EòÉ <ÊiÉ ¶Éä¹É Closing balance of amounts transferred to DEAF 132.08 22.41 ` * ¨Éɽ +MɺiÉ, 2017 ½äiÉÖ 31.08.2017 EòÉä <Ç-EÖò¤Éä® ¨Éå MɱÉiÉ |ÉÊ´Éʹ] Eäò *An amount of 1,53,909.90 was short remitted to RBI due EòÉ®BÉ ¦ÉÉÊ®¤Éé EòÉä ` Eò¨É Ê´É|ÉäʹÉiÉ ÊEòªÉÉ MɪÉÉ* <ºÉ jÉÖÊ] EòÉä to erroneous entry in E-Kuber on 31.08.2017 for the month 153909.90 of August , 2017. The error was immediately reported to iÉiEòÉ±É ¦ÉÉÊ®¤Éé EòÉä Ê®{ÉÉä]Ç ÊEòªÉÉ MɪÉÉ +Éè® =xÉEòÒ Bb´ÉÉ<ºÉ Eäò +xÉÖºÉÉ® RBI and as per their advice; the said short amount has =CiÉ Eò¨É ®É榃 EòÉä 27.04.2018 EòÉä ¦ÉÉÊ®¤Éé EòÉä Ê´É|ÉäʹÉiÉ ÊEòªÉÉ MɪÉÉ* been remitted to RBI on 27.04.2018. 17. Eò¨ÉÇSÉÉÊ®ªÉÉå Eäò ´ÉiÉxÉ ºÉƶÉÉävÉxÉ ´ÉÉÆ Êu{ÉIÉÒªÉ ºÉ¨ÉZÉÉèiÉÉ Eäò EòÉ®hÉ, 17. To meet the probable load on the Bank on account of wage (11 ) revision of employees (11th bipartite settlement) which is VÉÉä +É<ǤÉÒB Eäò ºÉÉlÉ Ê´ÉSÉÉ®ÉvÉÒxÉ ½è +Éè® xɴɨ¤É®, 2017 ºÉä näªÉ ½è, ¤ÉéEò {É® under discussion with IBA and due from November, 2017, ºÉƦÉÉÊ´ÉiÉ ¦ÉÉ® EòÉä {ÉÚ®É Eò®xÉä Eäò ʱÉB ¤ÉéEò xÉä SÉɱÉÚ Ê´ÉiiÉÒªÉ ´É¹ÉÇ Eäò nÉè®ÉxÉ the Bank has made an adhoc provision of `108.00 Crore `108.00 Eò®Éäc EòÉ |ÉÉ´ÉvÉÉxÉ ÊEòªÉÉ ½è* during the current financial year. 18. ¤ÉéEò xÉä Eò¨ÉÇSÉÉ®Ò ¶ÉäªÉ® GòªÉ ªÉÉäVÉxÉÉ +lÉÉÇiÉ +ɱɤÉéEò <ÇBºÉ{ÉÒBºÉ Eäò 18. The Bank has made an offer of upto 5 (five) crore new ‘ ’ ` +ÆiÉMÉÇiÉ +{ÉxÉä {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå EòÉä `10.00 |ÉiªÉäEò Eäò +ÆÊEòiÉ ¨ÉÚ±ªÉ equity shares of face value of 10.00 each to its eligible ` employees under an Employee Share Purchase Scheme Eäò 5 ({ÉÉÆSÉ) Eò®Éäb xÉB ¶ÉäªÉ® 53.94 |ÉÊiÉ ¶ÉäªÉ® Eäò ÊxÉMÉǨÉ/|ɪÉÉäMÉ namely "AllBank-ESPS" at an issue/exercise price of ¨ÉÚ±ªÉ {É® |ɺiÉÉ´É ÊnªÉÉ ½è* ÊxÉMÉǨÉ/|ɪÉÉäMÉ ¨ÉÚ±ªÉ EòÉ ÊxÉvÉÉÇ®hÉ <ÇBºÉ{ÉÒBºÉ `53.94 per share. The Issue/Exercise Price was fixed by 254 ºÉƤÉÆvÉÒ ÊxÉnä¶ÉEòÉå EòÒ ºÉʨÉÊiÉ uÉ®É `71.92 Eäò +ÉvÉÉ® ¨ÉÚ±ªÉ {É® the Committee of Directors on ESPS at a discount of ` 25.00% Êb÷ºEòÉ=Æ] {É® ÊEòªÉÉ MɪÉÉ ½è* ¤ÉéEò uÉ®É +{ÉxÉä {ÉÉjÉ 25.00% on the floor price of 71.92 per share. Out of said Eò¨ÉÇSÉÉÊ®ªÉÉå EòÉä |ɺiÉÉÊ´ÉiÉ =CiÉ {ÉÉÆSÉ Eò®Éäbà ¶ÉäªÉ®Éå ¨Éå ºÉä five crore shares offered by the Bank to its Eligible 21742 Employees, 4,38,29,778 shares were validly exercised by {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå uÉ®É 43829778 ¶ÉäªÉ®Éå EòÉ ´ÉèvÉ ° {É ºÉä |ɪÉÉäMÉ the 21,742 Eligible Employees. The allotment of shares ÊEòªÉÉ MɪÉÉ ½è* <ÇBºÉ{ÉÒBºÉ Eäò +ÆiÉMÉÇiÉ +ɤÉÆ]xÉ 03.03.2018 EòÉä under the AllBank-ESPS were made on 03.03.2018. The ÊEòªÉÉ MɪÉÉ* +ɱɤÉéEò-<ÇBºÉ{ÉÒBºÉ Eäò +ÆiÉMÉÇiÉ +{ÉxÉä {ÉÉjÉ Eò¨ÉÇSÉÉÊ®ªÉÉå Bank received an amount of `236,41,78,225.32 (Rupees EòÉä xÉB <ÊC´É]Ò ¶ÉäªÉ®Éå Eäò ÊxÉMÉÇ¨É +Éè® +ɤÉÆ]xÉ ºÉä ¤ÉéEò two hundred thirty six crore forty one lakh seventy eight 43829778 thousand two hundred twenty five and paise thirty two only) EòÉä +ʦÉnÉxÉ/|ɪÉÉäMÉ ®É榃 Eäò °ü{É ¨Éå `236,41,78, 225.32 (¯{ÉB as subscription/exercise money for the issue and allotment nÉä ºÉÉè UiiÉÒºÉ Eò®Éäc

255 MÉ<Ç +{ÉÊ®ú¶ÉÉäÊvÉiÉ |ÉÉ´ÉvÉÉxÉ EòÒ ¨ÉÉjÉÉ ÷´É¹ÉÇ Eäò +ÆiÉ ¨Éå `390.58 Eò®úÉäc÷ 2016 as the provision for fraud can be amortized over a ½èþ CªÉÉåÊEò vÉÉäJÉÉvÉc÷Ò ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ EòÉä SÉÉ®ú ÊiɨÉÉʽþªÉÉå EòÒ +´ÉÊvÉ ¨Éå period of four quarters. {ÉÊ®ú¶ÉÉäÊvÉiÉ ÊEòªÉÉ VÉÉxÉÉ ½èþ* 24. ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò +xÉÖ{ÉɱÉxÉ ¨Éå +ÉκiÉ MÉÖhÉ´ÉkÉÉ 24. In compliance with RBI directives, accounts shown under ºÉ¨ÉÒIÉÉ (BCªÉÚ+É®ú) Eäò +xÉÖ¤ÉÆvÉ *** ¨Éå nù¶ÉÉÇB MÉB JÉÉiÉÉä, ÊVÉxɨÉå Annex III of Asset Quality Review (AQR) wherein EòɪÉÇÊxɹ{ÉÉnùxÉ ¨ÉÖqùÉå +lÉ´ÉÉ EòÊiÉ{ÉªÉ ¶ÉiÉÉç EòÉ +xÉÖ{ÉɱÉxÉ xÉ Eò®úxÉä Eäò restructuring was failed due to performance issues or non fulfillment of certain conditions and necessary provisions EòÉ®úhÉ {ÉÖxÉMÉÇ`öööxÉ Ê´É¡ò±É ½þÉä MɪÉÉ lÉÉ +Éè®ú ¦ÉÉÊ®ú¤ÉéEò Eäò Ênù¶ÉÉÊxÉnæù¶ÉÉå Eäò was held in those accounts in terms of RBI directives, +xÉÖºÉÉ®ú

256 < ±ÉÉ ½þÉ ¤ÉÉ nù ¤Éé Eò A L L A H A B A D B A N K ºÉ¨ÉäÊEòiÉ xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ 31 ¨ÉÉSÉÇ, 2018 EòÉä ºÉ¨ÉÉ{iÉ ´É¹ÉÇ ½äþiÉÖ Consolidated Cash Flow Statement For the year ended 31st March, 2018 (` Eò®úÉäc÷ú ¨Éå / ` in crore) Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY Ê´É´É®úhÉ / Particulars 2017-18 2016-17 B. {ÉÊ®úSÉɱÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ A. Cash flow from operating activities (2,550.10) (1,100.84) ¤ÉÒ. Ê´ÉÊxÉvÉÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ B. Cash flow from investing activities (90.38) (96.01) ºÉÒ. Ê´ÉkÉÒªÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ C. Cash flow from financing activities 2,013.11 904.67 xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ ¨Éå ÊxÉ´É±É {ÉÊ®ú´ÉiÉÇxÉ Net Change in cash and cash equivalents (627.37) (292.18) b÷Ò. ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ D. Cash and cash equivalents at the beginning of the year 22,086.51 22,378.69 <Ç. ´É¹ÉÇ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ E. Cash and cash equivalents at the end of the year (B+¤ÉÒ+ºÉÒ+b÷Ò)/(A+B+C+D) 21,459.14 22,086.51 B. {ÉÊ®úSÉɱÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ A. Cash flow from operating activities Eò®ú {ÉÚ´ÉÇ ÊxÉ´É±É ±ÉÉ¦É / Net Profit before Taxes (6,451.97) (563.18) ºÉ¨ÉɪÉÉäVÉxÉ:/Adujstment for: +´ÉIɪÉ/Depreciation 145.82 159.39 +SÉ±É +ÉκiɪÉÉå (ÊxɴɱÉ) Eäò Ê´ÉGòªÉ ºÉä (±ÉɦÉ)/½þÉÊxÉ (Profit)/ Loss on sale of Fixed Assets (Net) 0.01 (0.03) +¶ÉÉävÉ廃 B´ÉÆ ºÉÆÊnùMvÉ @ñhÉ +±{ÉEòÉʱÉEò ºÉʽþiÉ ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ Provision for Bad & Doubtful Debts including floating 10,326.45 4,552.37 ¨ÉÉxÉEò +ÉκiɪÉÉä ½äþiÉÖ |ÉÉ´ÉvÉÉxÉ/Provision for Standard Assets (634.39) 95.59 Ê´ÉÊxÉvÉÉxÉÉå {É®ú +´ÉIɪÉ/Depreciation on Investments 745.20 246.27 +xªÉ |ÉÉ´ÉvÉÉxÉ(ÊxɴɱÉ)/Other Provisions (Net) (405.99) (422.23) +xªÉ +ɪÉ: {ÉÖxɨÉÚDZªÉÉÆÊEòiÉ {ÉÊ®úºÉÆ{ÉÊkÉ EòÉ +´ÉIÉªÉ Other income : Dep on revaluated property ¶ÉÖxªÉú/NIL (47.56) +É<Ç{ÉÒb÷Ò+É<Ç B´ÉÆ MÉÉèhÉ ¤ÉÉìhbÂ÷ºÉ {É®ú ¤ªÉÉVÉ Interest on IPDI & Subordinate Bonds 502.11 412.57 4,227.23 4,433.19 PÉ]õÉBÆ: |ÉiªÉIÉ ºÉÆnùkÉ Eò®ú/ Less: Direct Taxes (375.00) 3,852.23 (522.81) 3,910.38 ºÉ¨ÉɪÉÉäVÉxÉ:/Adjustment for: VɨÉÉ ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ)/ Increase/ (Decrease) in Deposit 11,760.08 1,210.89 =vÉÉ®ú ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ)/ Increase/(Decrease) in Borrowings 6,029.91 (4,769.94) Ê´ÉÊxÉvÉÉxÉÉå ¨Éå (´ÉÞÊrù)/Eò¨ÉÒ/(Increase)/ Decrease in Investments (13,418.94) 1,605.51 +ÊOɨÉÉå ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ)/(Increase)/ Decrease in Advances (11,527.66) (2,796.55) +xªÉ näùªÉiÉÉ+Éå ¨Éå ´ÉÞÊrù/(Eò¨ÉÒ)/ Increase/ (Decrease) in Other Liabilties 2,864.17 559.55 +xªÉ +ÉκiɪÉÉå ¨Éå (´ÉÞÊrù)/Eò¨ÉÒ (Increase) / Decrease in Other Assets (2,109.89) (820.68) Net cash used in operating activities (2,550.10) (1,100.84)

257 xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ (VÉÉ®úÒ...) / Cash Flow Statement (Contd.…) (` Eò®úÉäc÷ ¨Éå / ` in crore) Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY Ê´ÉkÉÒªÉ ´É¹ÉÇ/FY Ê´É´É®úhÉ / Particulars 2017-18 2016-17 ¤ÉÒ. Ê´ÉÊxÉvÉÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ B. Cash flow from investing activities +SÉ±É +ÉκiɪÉÉå ¨Éå (´ÉÞÊrù)/Eò¨ÉÒ (Increase)/ Decrease in Fixed Assets (90.38) (96.01) Ê´ÉÊxÉvÉÉxÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä ÊxÉ´É±É xÉEònùÒ Net cash used in investing activities (90.38) (96.01) ºÉÒ. Ê´ÉkÉ{ÉÉä¹ÉhÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä xÉEònùÒ |É´Éɽþ C. Cash flow from financing activities Dividend paid including tax ¶ÉÖxªÉú/NIL ¶ÉÖxªÉú/NIL ±ÉɦÉÉÆ¶É {É®ú ºÉÆnùkÉ Eò®ú/ Interest on Subordinate bonds (502.11) (412.57) MÉÉèhÉ ¤ÉÉìhbÂ÷ºÉ {É®ú ¤ªÉÉVÉ Issue of Subordinated Debt (Bond)Tier II Capital Basel 3 ¶ÉÖxªÉú/NIL 1,000.00 ´É¹ÉÇ Eäò nùÉè®úÉxÉ ºÉÆnùkÉ ±ÉɦÉÉƶÉ/ Subordinated Perpetual Debt:Additional Tier 1 capital 1,200.00 300.00 MÉÉèhÉ @ñhÉ (¤ÉÉìhbÂ÷ºÉ) EòÉ ÊxÉMÉÇ¨É Redemption of Subordinated Debt (Bonds) (500.00) (561.90) ¶ÉäªÉ®ú {ÉÚÆVÉÒ/Share Capital 43.83 20.65 ¶ÉäªÉ®ú |ÉÒʨɪɨÉ/Share Premium 271.39 140.49 ¶ÉäªÉ®ú +É´ÉänùxÉ ®úÉ榃 ±ÉÆʤÉiÉ +ɤÉÆ]õxÉ Fund infused by GOI for allotment of Capital 1,500.00 418.00 Ê´ÉkÉ{ÉÉä¹ÉhÉ MÉÊiÉÊ´ÉÊvɪÉÉå ºÉä ÊxÉ´É±É xÉEònùÒ Net cash from financing activities 2,013.11 904.67 b÷Ò. ´É¹ÉÇ Eäò +É®Æú¦É ¨Éå xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ D. Cash and cash equivalents at the beginning of the year ®úÉäEòc÷ ¶Éä¹É (Ê´Énäù¶ÉÒ Eò®åúºÉÒ xÉÉä]õ B´ÉÆ ºÉÉäxÉä ºÉʽþiÉ) Cash in hand (including foreign currency notes & gold) 582.19 613.80 ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É Balances with Reserve Bank of India 8,003.78 8,857.43 ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú näùªÉ vÉxÉ Balances with Banks and Money at Call and Short Notice 13,500.54 12,907.46 22,086.51 22,378.69 <Ç. ´É¹ÉÇ EòÒ ºÉ¨ÉÉÎ{iÉ {É®ú xÉEònùÒ B´ÉÆ xÉEònùÒ iÉÖ±ªÉ E. Cash and cash equivalents at the end of the year ®úÉäEòc÷ ¶Éä¹É (Ê´Énäù¶ÉÒ Eò®åúºÉÒ xÉÉä]õ B´ÉÆ ºÉÉäxÉä ºÉʽþiÉ) Cash in hand (including foreign currency notes & gold) 619.02 582.19 ¦ÉÉ®úiÉÒªÉ Ê®úVÉ´ÉÇ ¤ÉéEò ¨Éå ¶Éä¹É Balances with Reserve Bank of India 8,672.08 8,003.78 ¤ÉéEòÉå ¨Éå ¶Éä¹É +Éè®ú ¨ÉÉÆMÉ iÉlÉÉ +±{É ºÉÚSÉxÉÉ {É®ú näùªÉ vÉxÉ Balances with Banks and Money at Call and Short Notice 12,168.04 13,500.54 21,459.14 22,086.51 Ê]õ{{hÉÒ :/Notes: 1. ºÉ¨ÉäÊEòiÉ xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ, ¦ÉÉ®úiÉÒªÉ ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉƺlÉÉxÉ uùÉ®úÉ VÉÉ®úÒ ±ÉäJÉÉ ¨ÉÉxÉEò - 3 Eäò +xÉÖºÉÉ®ú +|ÉiªÉIÉ |ÉhÉɱÉÒ Eäò iɽþiÉ iÉèªÉÉ®ú ÊEòªÉÉ MɪÉÉ ½èþ* Consolidated Cash Flow has been prepared under the Indirect Method in accordence with the Accounting Standard- 3, issued by the Institute of Chartered Accounts of India. 2. xÉEònùÒ B´ÉÆ xÉEònùÒ ºÉ¨ÉiÉÖ±ªÉ xÉEònùÒ +Éè®ú ¤ÉéEò ¨Éä VɨÉɶÉä¹É EòÉ |ÉÊiÉÊxÉÊvÉi´É Eò®úiÉä ½éþ* Cash and Cash equivalent represent Cash and Bank Balances. 3. Ê´ÉMÉiÉ ´É¹ÉÇ Eäò +ÉÆEòcä÷, VɽþÉÆ Eò½þÓ +{ÉäÊIÉiÉ ½þÉä, {ÉÖxɺÉǨÉÚʽþiÉ / {ÉÖxÉ´ÉÇMÉÔEÞòiÉ ÊEòB MÉB ½Æèþ* Previous year’s figures have been regrouped/reclassified wherever applicable.

258 ±ÉäJÉÉ{É®úÒIÉEòÉå EòÒ º´ÉiÉÆjÉ Ê®ú{ÉÉä]Çõú ºÉä´ÉÉ ¨Éå ÊxÉnäù¶ÉEò ¨ÉÆb÷±É <±ÉɽþɤÉÉnù ¤ÉéEò

ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉ ºÉƤÉÆvÉÒ Ê®ú{ÉÉä]Çõ 1. ½þ¨ÉxÉä 31, ¨ÉÉSÉÇ 2018 EòÉä ªÉlÉÉκlÉÊiÉ <±ÉɽþɤÉÉnù ¤ÉéEò (“¤ÉéEò”), <ºÉEòÒ +xÉÖ¹ÉÆMÉÒ EÆò{ÉxÉÒ (01.04.2017 ºÉä ¤ÉéEò ¨Éå ʴɱÉʪÉiÉ), BEò BºÉÉäʺÉB]ÂõºÉ +Éè®ú nùÉä ºÉƪÉÖHò =t¨ÉÉå (ºÉ¨ÉÚ½þ) Eäò ºÉ¨ÉäÊEòiÉ Ê´ÉkÉÒªÉ Ê´É´É®úhÉÉå EòÒ ±ÉäJÉÉ{É®úÒIÉÉ EòÒ ½èþ ÊVɺɨÉå 31 ¨ÉÉSÉÇ, 2018 EòÉä ªÉlÉÉκlÉÊiÉ ºÉ¨ÉäÊEòiÉ iÉÖ±ÉxÉ{ÉjÉ, ºÉ¨ÉäÊEòiÉ ±ÉɦÉ-½þÉÊxÉ JÉÉiÉÉ iÉlÉÉ =ºÉ ´É¹ÉÇ EòÉä ºÉ¨ÉÉ{iÉ +´ÉÊvÉ ½äþiÉÖ ºÉ¨ÉäÊEòiÉ xÉEònùÒ |É´Éɽþ Ê´É´É®úhÉ, ¨É½þi´É{ÉÚhÉÇ ±ÉäJÉÉ xÉÒÊiɪÉÉå EòÉ ºÉÉ®ú iÉlÉÉ +xªÉ ´ªÉÉJªÉÉi¨ÉEò ºÉÚSÉxÉÉ ºÉ¨ÉÉʴɹ]õ ½éþ*

259 INDEPENDENT AUDITORS' REPORT

To The Board of Directors Allahabad Bank Report on the Consolidated Financial Statements 1. We have audited the accompanying Consolidated Financial Statements of Allahabad Bank ("the Bank"), its subsidiary (since merged with the Bank on 01.04.2017) and an associate and two joint ventures (the Group), which comprise the Consolidated Balance Sheet as at March 31, 2018, Consolidated Profit and Loss Account, the Consolidated Cash Flow Statement for the year then ended, a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the audited accounts of bank audited by us, audited accounts of one joint venture and unaudited accounts of one joint venture and one associate. Management's Responsibility for the Consolidated Financial Statements 2. The Management of the Bank is responsible for the preparation of these consolidated financial statements in accordance with the requirements of Accounting Standard 21 "Consolidated Financial Statements", Accounting Standard 23 "Accounting for Investment in Associates in Consolidated Financial Statements", Accounting Standard 27 "Financial Reporting of Interest in Joint Ventures" issued by the Institute of Chartered Accountants of India and in accordance with the Banking regulation Act 1949 and applicable guidelines issued by the Reserve Bank of India from time to time. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the consolidated financial statements that give a true and fair view and are free from material misstatement, whether due to fraud or error. The respective Board of Directors of the Group's jointly controlled entities are responsible for maintenance of adequate accounting records in accordance with the provisions of the Companies Act, 2013 for safeguarding the assets of the Group; for preventing and detecting frauds and other irregularities; the selection and application of appropriate accounting policies; making judgments and estimates that are reasonable and prudent; and the design, implementation and maintenance of adequate internal financial controls, that were operating effectively for ensuring the accuracy and completeness of the accounting records, relevant to the preparation and presentation of the financial statements that give a true and fair view and are free from material misstatement, whether due to fraud or error, which have been used for the purpose of preparation of the consolidated financial statements by the Directors of the Bank, as aforesaid. Auditors' Responsibility 3. Our responsibility is to express an opinion on these consolidated financial statements based on our audit. We have conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement. 4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank's preparation and fair presentation of the consolidated financial statements in order to design audit procedures that are appropriate in the circumstances but not for the purpose of expressing an opinion on effectiveness of the entity's internal controls. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by the management, as well as evaluating the overall presentation of the consolidated financial statements. 5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. Opinion 6. In our opinion, as shown by the books of the bank, its one associate and two joint ventures (group) and to the best of our information and according to the explanations given to us: i. the consolidated Balance Sheet, read with the notes thereon is a full and fair consolidated Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of the state of affairs of the st group comprising of Allahabad Bank, its one associate and two joint ventures as at 31 March 2018 in conformity with the accounting principles generally accepted in India; ii. the consolidated Profit and Loss Account, read with the notes thereon shows a true balance of loss, in conformity with the accounting principles generally accepted in India, for the year covered by the account; and iii. the consolidated Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date. Other Matters 7. We did not audit the financial statements of: i. One Joint Venture Company i.e. Universal Sompo General Insurance Company Limited, which is an insurance company, st whose financial statements are audited, reflect total assets of `3,078.41 Crore as at 31 March, 2018 and total revenues of `1,476.75 Crore for the year ended on that date.

260

ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors

EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Raju & Prasad For M/s Kansal Singla & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405

EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224

ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata ÊnùxÉÉÆEò / Date: 11.05.2018

261 These financial statements have been audited by other auditors whose reports have been furnished to us, and our opinion, insofar as it relates to the amounts included in respect of the above joint venture, is based solely on the report of the respective auditors. 8. We did not audit; ii. The financial statements of one associate i.e. Allahabad U.P. Gramin Bank (RRB) whose financial statements are st unaudited, reflect total asset of `12,153.27 Crore as at 31 March, 2018 and revenue of `1,016.84 Crore for the year ended on that date. iii. The financial statements of one joint venture i.e. ASREC (India) Ltd., which is an asset reconstruction company, st whose financial statements are unaudited and reflect the total assets of `188.51 Crore as at 31 March, 2018 and total revenue of `25.50 Crore as on that date. We have relied on the unaudited financial statements, which have been consolidated on the basis of management certified financial statements. 9. Our opinion on the consolidated financial statements, and our report on Other Legal and Regulatory Requirements below, is not modified in respect of the above matters with respect to our reliance on the work done and the reports of the other auditors and the financial statements / financial information certified by the Management. 10. Emphasis of Matter: We draw attention to para no. 7.9 of Schedule 19 (Notes to Accounts on the consolidated financial statements) of the Financial Statement regarding recognition of Deferred Tax Assets (DTA) on account of business loss and unabsorbed depreciation for `1118.19 crore. Our opinion is not modified in respect of this matter. Report on Other Legal and Regulatory Requirements 11. The consolidated Balance Sheet and the consolidated Profit and Loss Account have been drawn up in accordance with the requirements of Accounting Standard 21 "Consolidated Financial Statements", Accounting Standard 23 "Accounting for Investment in Associates in Consolidated Financial Statements", Accounting Standard 27 "Financial Reporting of Interest in Joint Ventures" issued by the Institute of Chartered Accountants of India, in accordance with the Banking Regulation Act, 1949 and the requirements of the Reserve Bank of India. 12. Subject to the limitations of the audit indicated in paragraphs 1 to 5 above and as required by the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, and subject also to the limitations of disclosure required therein, we report that: a. We have obtained all the information and explanations which to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory. b. The transactions of Allahabad Bank, its one associate and two joint ventures (group), which have come to our notice, have been within the powers of the group comprising of Allahabad Bank, its one associate and two joint ventures. c. The returns received from Allahabad Bank, its one associate and two joint ventures (group) have been found adequate for the purposes of our audit. 13. In our opinion, the Consolidated Balance Sheet, Consolidated Profit and Loss Account and Consolidated Cash Flow Statement comply with the applicable accounting standards.

ºÉÉÆÊ´ÉÊvÉEò EäòxpùÒªÉ ±ÉäJÉÉ{É®úÒIÉEò / Statutory Central Auditors EÞòiÉä ¨Éä. ®úÉVÉÚ BÆb÷ |ɺÉÉnù EÞòiÉä ¨Éä. EÆòºÉ±É ˺ÉMɱÉÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Raju & Prasad For M/s Kansal Singla & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No.003475S ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 003897N (ºÉÒB +Ê´ÉxÉÉ¶É ]Ò. VÉèxÉ) (ºÉÒB ºÉÖÊ®xn® EÖò¨ÉÉ®) (CA Avinash T. Jain) (CA Surinder Kumar) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.041689 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.070405 EÞòiÉä ¨Éä. xÉÆnÒ ½±Én® BÆb MÉÉÆMÉÖ±ÉÒ EÞòiÉä ¨Éä. näù BÆb÷ ¤ÉÉäºÉ EÞòiÉä ¨Éä. VÉÒBxÉBºÉ BÆb÷ BºÉÉäʺÉB]ÂõºÉ For M/s Nandy Halder & Ganguli For M/s De & Bose For M/s GNS & Associates ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ®ú ºÉxÉnùÒ ±ÉäJÉÉEòÉ® Chartered Accountants Chartered Accountants Chartered Accountants ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ / Firm Regn. No. 302017E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/Firm Regn. No.302175E ¡ò¨ÉÇ {ÉÆVÉÒEò®úhÉ ºÉÆ/ Firm Regn. No.318171E (ºÉÒB ®ÉhÉÉ |ÉiÉÉ{É xÉÆnùÒ) (ºÉÒB iÉÊ®iÉ nɺÉMÉÖ{iÉÉ) (ºÉÒB xÉÉ®n {ÉÒ ºÉɽÚ)) (CA Rana Pratap Nandy) (CA Tarit Dasgupta) (CA Narad P. Sahu) {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner {ÉÉ]ÇõxÉ®ú / Partner ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.051027 ºÉnùºªÉiÉÉ ºÉÆ. / Membership No.053380 ºÉnùºªÉiÉÉ ºÉÆ./Membership No.055224

ºlÉÉxÉ / Place: EòÉä±ÉEòÉiÉÉ / Kolkata ÊnùxÉÉÆEò / Date: 11.05.2018

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263 MANDATE FORM FOR PAYMENT OF DIVIDEND ELECTRONICALLY (FOR SHAREHOLDERS HOLDING SHARES IN PHYSICAL FORM)

I/We------do hereby authorize Allahabad Bank to credit my dividend amount directly to my bank account by ECS.

My/Our Folio No. ALB...... No. of Shares......

Particulars of Bank Account

A. Bank Name : ————————————————————— B. Branch Name and Address : ————————————————————— : ————————————————————— C. 9 Digit MICR Code No. of the Bank Branch Appearing on the MICR Cheque : ————————————————————— D. IFSC Code : ————————————————————— E. Account Type (Saving/Current) : ————————————————————— F. Account No. as appearing in the Cheque Book : ————————————————————— G. Telephone No. with STD Code/ Mobile No. of shareholder : —————————————————————

H. Email ID, if any : —————————————————————

I/we hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information or due to any other technical error, I would not hold Allahabad Bank responsible.

Mail to : Signature of the shareholder (s)

Either Or CB Management Services Pvt. Ltd. The Chief Manager (Company Secretary) (Unit: Allahabad Bank) Investors' Services Cell P-22, Bondel Road, Shares and Bonds Department Kolkata-700 019 Allahabad Bank, Head Office 2, Netaji Subhas Road, Kolkata- 700 001

Please attach a blank cancelled cheque issued by your bank relating to your above account for verifying the accuracy of the code numbers. In case you are holding shares in demat form, kindly send the ECS Mandate to the concerned Depository Participant (DP) directly, in the format prescribed by the concerned DP.

264