AR

CHAIRMAN'S MESSAGE
Dear Shareholders,
foÙkh; o"kZ 2022&23 ds fy, cSad dh çxfr vkSj çn'kZu It is my pleasure to present before you the
dks vkids lkeus çLrqr djrs gq, eq>s vR;ar çlUurk progress and performance of the Bank for the
gks jgh gSA okf"kZd fjiksVZ gekjh çxfr] çkIr y{; of the progress that we have made, the goals
vkSj fiNys foÙkh; o"kZ esa viuh uhfr;ksa] çfØ;kvksa vkSj
fu;a=.kksa dks l'kä cukus ds fy, tks Bksl dne mBk, towards strengthening our policies, processes
x, gSa] mudk çfrfcEc gSA
loZçFke] eSa lHkh fgr/kkjdksa dks cSad esa muds fujarj At the outset, I would like to extend my warm
lg;ksx ,oa fo'okl ds fy, gkfnZd c/kkbZ nsuk pkgrk
gw¡A 128 ls vf/kd o"kksaZ dh ;k=k esa cSad] fo'okl ,oa Bank, with a journey of more than 128 years,
foosdiw.kZ cSafdax ds lkFk fujUrj jk"Vª dh lsok dj jgk
gSA cSad us vFkZO;oLFkk esa o`f) ds lkFk&lkFk viuk
O;olk; c<+kuk tkjh j[kk gSA cSad ns'k ds dksus&dksus
esa vkSj lekt ds fofHkUu oxksaZ dks viuh lsok,a çnku the economy. The Bank is providing its services
dj jgk gS rkfd foÙkh; lekos'ku ds mís'; dks iwjk
fd;k tk ldsA bl ;k=k ds nkSjku] cSad vius xzkgdksa
dks lqfo/kk ,oa mR—"V cSafdax vuqHko çnku djus ds transforming itself into a digital bank to provide
fy, [kqn dks ,d fMftVy cSad esa :ikUrfjr dj jgk convenience and a superior banking experience
gSA cSad dh ;g vHkwriwoZ ;k=k cSad ds çR;sd deZpkjh to its customers. This phenomenal journey of
}kjk dh xbZ dM+h esgur vkSj ç;klksa ds dkj.k laHko the Bank has been made possible due to the
gks ikbZ gS vkSj blds fy, eSa deZpkfj;ksa ds çfr vkHkkj
O;ä djrk gwaA
Macroeconomic Scenario
foÙkh; o"kZ 2022&23 dksfoM&19 ds de gksus ,oa The FY 2022-23 has been the year of recovery
vkfFkZd xfrfof/k;ksa ds iw.kZ :i ls iqu% cgky gksus ds
ckn ls tksjnkj lq/kkj dk o"kZ jgk gSA fiNys o"kksaZ esa resumed with full vigor. As the economies
tSls gh vFkZO;oLFkkvksa us egkekjh ls mRiUu pqukSfr;ksa started to overcome the challenges posed by
ls mcjuk vkjEHk fd;k] mUgsa :l ;wØsu ;q) ds the pandemic in the preceding years, they faced
dkj.k ubZ oSf'od vfuf'prrkvksa dk lkeuk djuk iM+kA
urhtru] fo'o Lrj ij ckf/kr vkiwfrZ J`a[kykvksa ds war. Consequently, disrupted supply chains
dkj.k vFkZO;oLFkkvksa esa c<+rh eqækLQhfr dh ço`fÙk;ka
mHkjh] ftlds ifj.kkeLo:i lEiw.kZ fo'o esa C;kt nj esa
o`f) gqbZA fo'o Hkj esa dsaæh; cSadksa us mPp eqækLQhfr scenarios across the globe. Central Banks around
ij vadq'k yxkus ds fy, ledkfyd uhfrxr njksa the world responded with synchronized policy
esa o`f) dhA ebZ 2022 ds ckn ls] vesfjdk us uhfrxr
njksa esa 450 chih,l dh o`f) dh gS] tcfd ;wds vkSj
;wjksih; ;wfu;u us njksa esa 300 chih,l dh o`f) dh gSA
vkjchvkbZ us Hkh blh vof/k ds nkSjku uhfrxr njksa esa
during the same period.
250 chih,l dh o`f) dh gSA
pqukSrhiw.kZ fo'o vkfFkZd O;oLFkk ds ckotwn] Hkkjrh; Despite the challenging world economic
vFkZO;oLFkk yphyh vkSj c<+rh jghA dsaæ ljdkj ds order, Indian economy remained resilient and
,u,lvks dk;kZy; }kjk tkjh thMhih MsVk ds vuqlkj] growing. As per released GDP data by Central
foÙk o"kZ 2022&23 ds fy, Hkkjr dh fodkl nj 7-2
çfr'kr Fkh] tks vis{kk ls vf/kd Fkh] ;g n'kkZrk gS fd at 7.2 per cent for FY 2022-23 was higher than
Hkkjr egkekjh ls] vk'kk ls vf/kd lq–<+ gksdj mHkjk ng that India emerged stronger
gSA Hkkjr esa] foÙk o"kZ 2022&23 esa vkfFkZd xfrfof/k
mRlkgtud cuh jgh] tSlk fd th,lVh laxzg.k esa
ifjyf{kr gksrk gS] tks 22 çfr'kr ls vf/kd o"kZ&nj&o"kZ
o`f) ds lkFk 18 yk[k djksM+ #i;s ds ldy jktLo dks
cent y-o-y growth. With the sustainable growth
ikj dj x;kA vkfFkZd xfrfof/k esa lrr fodkl ds lkFk]
Hkkjrh; vFkZO;oLFkk ds fy, lexz ifj–'; vuqdwy cuk economy remains favourable, as investments are
gqvk gS] D;ksafd fuos'k esa lq/kkj ls vkSj vFkZO;oLFkk ds likely to see a turnaround and put the economy
fujarj fodkl iFk ij jgus dh laHkkouk gSA vkbZ,e,Q
ds vuqekuksa ds vuqlkj foÙk o"kZ 2023&24 esa Hkkjr esa
vkfFkZd fodkl dh nj 6-3 çfr'kr jgus dh lEHkkouk
gSA eqækLQhfr ds Hkh ekStwnk Lrj ds eqdkcys lhfer vkSj to remain range bound and mild against the
uje cus jgus dh mEehn gSA gkykafd] fodkl ds fy, current level. However, there are downside risks
fxjkoV tksf[ke vkSj eqækLQhfr ds c<+us dk tksf[ke
gSa] tks vkaf'kd :i ls cká {ks= ds ek/;e ls ,oa dqN channeled through the external sector and partly
ekSle dh vfuf'prrkvksa ls mRiUu gqvk gSA Hkkjr dh
rkdr mldh ?kjsyw ekax gksxhA strength will be its do
Banking Scenario
tSlk fd oSf'od vfuf'prrk,a cuh gqbZ gS] Hkkjrh;

cSafdax ç.kkyh l'kä iwath vkSj pyfuf/k dh fLFkfr ds banking system remained resilient and stable
lkFk yphyh vkSj ncko lgus esa l{ke vkSj fLFkj cuh
Banking industry remained upbeat through FY
gqbZ gSA foÙkh; o"kZ 2022&23 ds nkSjku cSafdax m|ksx
mRlkfgr jgk] ftlesa _.k esa o`f) 15-0 çfr'kr Fkh per cent and deposits also picked up the pace
vkSj vkjchvkbZ dh okf"kZd fjiksVZ ds vuqlkj tek esa Hkh
rsth vkbZ vkSj 9-6 çfr'kr dh o`f) gqbZA vkfLr xq.koÙkk
esa dkQh lq/kkj gqvk vkSj cSafdax {ks= esa ldy ,uih,
ekpZ 2019 ds 15-5 çfr'kr ls ?kVdj fnlacj 2022 dks per cent in the quarter ending December 2022
lekIr frekgh esa 5-8 çfr'kr gks x;kA urhtru] dbZ
cSadksa us foÙk o"kZ 2022&23 esa fjd‚MZ Lrj dk equkQk 2022-23.
ntZ fd;kA
oSf'od Lrj ij] cSafdax ç.kkyh eq[; :i ls vkfLr Globally, the banking system has been facing
xq.koÙkk ds LFkku ij pyfuf/k ds eqíksa ds dkj.k challenges primarily due to liquidity issues rather
pqukSfr;ksa dk lkeuk dj jgh gSA blds vykok]
iksVZQksfy;ks vof/k vkSj fofHkUu Jsf.k;ksa ds rgr _.k@ under various categories have also caused
tekvksa ds ladsaæhdj.k us Hkh leL;k,a iSnk dh gSaA problems. However, the Indian banking system
gkykafd] Hkkjrh; fjtoZ cSad ¼vkjchvkbZ½ }kjk fu/kkZfjr
lfØ; i;Zos{k.k vkSj mPp vfHk'kklu ekudksa ds dkj.k supervision and higher governance standards set
Hkkjrh; cSafdax ç.kkyh vis{kk—r yphyh cuh gqbZ gSA
ljdkj ds ç;klksa vkSj vFkZO;oLFkk ds rsth ls fMftVyhdj.k The Indian economy is transforming structurally
vkSj vkSipkfjdj.k ds dkj.k Hkkjrh; vFkZO;oLFkk lajpukRed
:i ls cny jgh gSA vkfFkZd los{Z k.k 2023 ds vuqlkj 1-97
yk[k djksM+ #i;s ds ifjO;; ds lkFk 14 {ks=ksa ds fy,
ljdkj dh mRiknu ls tqMh+ çksRlkgu ¼ih,yvkbZ½ ;kstuk
}kjk vxys ikap o"kksZa esa yxHkx 3 yk[k djksM+ #i;s dk
dSiDs l vkdf"kZr djus dh mEehn gS vkSj blesa Hkkjr esa
60 yk[k ls vf/kd jkstxkj iSnk djus dh {kerk gSA blds
vykok] fuos'k vkSj jkstxkj l`tu ds iq.; pØ dks rst to ramp the virtuous cycle of Investment and job
djus ds fy, 2023&24 ds ctV esa ljdkj ds iwt a hxr O;;
ifjO;; dks 37-4 çfr'kr dks cgqr T;knk c<+kdj 10 yk[k
djksM+ #i;s dj fn;k gSA foÙkh; o"kZ 2022&23 esa fMftVy
cSfa dax ij fo'ks"k tksj fn;k x;kA Hkkjrh; jk"Vªh; Hkqxrku banking received a major thrust in FY 2022-
fuxe ¼NPCI½ ds vkadM+kas ds vuqlkj] foÙk o"kZ 2022&23
surged 82.2 per cent in FY 2022-23 to a total
esa ;wihvkbZ usVodZ ds ek/;e ls Hkqxrku ysunsu esa 82-2
çfr'kr dh o`f) ds lkFk 8]376 djksM+ dk ysunsu gqvk]
tks dqy feykdj 139 yk[k djksM+ #i;s FkkA
cSafdax {ks= us jk"Vª fuekZ.k dh fn'kk esa ;ksxnku nsuk

tkjh j[kk vkSj lekt ds cSad jfgr vkSj oafpr oxksaZ dks
cSafdax lsokvksa dk foLrkj djds foÙkh; lekos'ku dks
c<+kok nsus ds fy, egRoiw.kZ ç;kl fd,A Hkkjr esa cSafdax extending banking services to the unbanked and
{ks=ksa] ljdkj ds fj;k;rh laLFkkxr _.k vkSj mPp —f"k sector in India, supported by Government's
_.k y{; }kjk lefFkZr] —f"k vkSj lac) xfrfof/k;ksa
dks _.k çnku djuk tkjh j[kkA ,e,l,ebZ dks c<+s
gq, _.k çokg esa o`f) ls vkS|ksfxd _.k o`f) esa
was a marked improvement in Industrial credit
mYys[kuh; lq/kkj gqvk] ftls vkikrdkyhu ØsfMV ykbu
xkjaVh ;kstuk ¼bZlh,yth,l½ ds çHkkoh dk;kZUo;u vkSj
ljdkj dh mRiknu&fyaDM çksRlkgu ;kstuk }kjk çnku
dh xbZ lgk;rk vkSj {kerk mi;ksx esa lq/kkj ls leFkZu
feykA lsokvksa esa _.k o`f) ,uch,Qlh] okf.kfT;d
vpy laifÙk vkSj O;kikj {ks=ksa dks _.k esa lq/kkj ls
by a recovery in Credit to NBFCs, commercial
çsfjr FkhA real estate and trade sectors.
Performance of the Bank
cSad dh 128+ o"kksaZ dh ;k=k ?kVukiw.kZ vkSj pqukSrhiw.kZ

jgh gS] ysfdu vius etcwr laLFkkid ewY;ksa ds lkFk] and challenging, but with its strong founding
cSad dfBu le; dks ikj dj ldk vkSj ldq'ky fudy
vk;kA 20]000 #i;s dh 'kq) Lons'kh iwath ls viuh and come out unscathed. Beginning its journey
;k=k 'kq: djrs gq,] cSad dk O;olk; 31 ekpZ 2023
rd 12-81 yk[k djksM+ #i;s ds oSf'od tek vkSj 8-85
yk[k djksM+ #i;s ds ldy vfxze ds lkFk 21-66 yk[k
djksM+ #i;s ls vf/kd gks x;kA fiNys foÙk o"kZ esa cSad Crore as on 31st
us tek jkf'k esa 11-77 çfr'kr vkSj vfxze esa 12-68 recorded double-digit growth in both deposit
çfr'kr dh nks vadksa dh o`f) ntZ dhA iwjh ;k=k esa] cSad at 11.77 per cent and advances at 12.68 per
foÙkh; lsok,a çnku djus ls ysdj xzkgdksa dh t:jrksa
dks iwjk djus] mUgsa cSad ds lkFk lHkh ijLij laokn esa
,d mR—"V vuqHko çnku djus gsrq ges'kk xzkgdksa dks needs to giving them an excellent experience in
igys j[kus ds fy, çfrc) jgk gSA cSad vius xzkgd dks
csgrj vkSj vf/kd lqfo/kktud lsok çnku djus ds fy,
iwoZ vuqeksfnr O;fäxr _.k] bZ&,dckjxh le>kSrk]
lkof/k tek ds ,ot esa bZ& vksojMªk¶V] bZ&eqæk tSls
serv
fMftVy ifjorZu ds nkSj ls xqtj jgk gSA
cSad ds eq[; [kqnjk dkjksckj esa 15-21 çfr'kr dh o`f)

ntZ dh xbZA eq[; [kqnjk esa ls x`g _.k] okgu _.k
vkSj O;fäxr _.k esa o"kZ nj o"kZ vk/kkj ij Øe'k%
10-92 çfr'kr] 30-62 çfr'kr vkSj 48-87 çfr'kr dh showed year-on-year increase of 10.92 per cent,
c<+ksrjh ntZ dh xbZA —f"k _.k [kaM esa 14-34 çfr'kr
dh o`f) ntZ dh xbZA [kqnjk] —f"k vkSj ,e,l,ebZ The agricultural loan segment recorded a growth
¼jSe½ gekjk Qksdl {ks= cuk jgk vkSj dqy vfxzeksa esa
jSe fgLlsnkjh o"kZ&nj&o"kZ vk/kkj ij 408 vk/kkj vad
c<+dj 31 ekpZ 2023 rd 55-31 çfr'kr gks xbZA st
31 ekpZ 2023 dks Vh;j&I iwath 12-69 çfr'kr dh o`f)

st
ds lkFk cSad dk iwath i;kZIrrk vuqikr lq/kj dj 15-50
çfr'kr gks x;k] tks ,d o"kZ iwoZ Øe'k% 11-73 çfr'kr
vkSj 14-50 çfr'kr FkkA de tksf[ke çksQkby ds lkFk ago. The focus of the Bank was on sustainable
csgrj&jsV okys m/kkjdrkZvksa dks yf{kr djds cSad dk
/;ku lrr dkjksckj fodkl ij FkkA
cSad }kjk yxkrkj ç;klksa vkSj fofHkUu mik;ksa dks viukus Asset quality improved tremendously with
ds lkFk vkfLr xq.koÙkk esa dkQh lq/kkj gqvk gSA 31
ekpZ] 2023 rd cSad dk ldy ,uih, 16-36 çfr'kr measures by the Bank. The Gross NPA of the
?kVdj 77]328 djksM+ #i;s jg x;k] tcfd fuoy ,uih,
35-30 çfr'kr ?kVdj 22585 djksM+ #i;s jg x;kA cSad
st
dk çko/kku dojst vuqikr lq/kjdj 86-90 çfr'kr gks
x;kA cSad dkQh gn rd Lyhist dks jksd ik;k tks
Lyhist vuqikr esa gqbZ fxjkoV esa ifjyf{kr gksrk gS 86.90 per cent. The Bank could arrest slippages
tks foÙk o"kZ 2021&22 ds pkSFks frekgh ds 6-47 çfr'kr
ds mPp Lrj ls fxjdj foÙk o"kZ 2022&23 dh pkSFkh
frekgh esa 2-10 çfr'kr rd gks x;kA foÙk o"kZ 2022&23
ds fy, ifjpkyu ykHk foÙk o"kZ 2021&22 ds 20]761
djksM+ #i;s ls 8-5 çfr'kr c<+dj foÙk o"kZ 2022&23
esa 22]529 #i;s gks x;kA foÙk o"kZ 2022&23 ds fy,
fuoy ykHk 2]507 djksM+ #i;s FkkA foÙk o"kZ 2022&23
esa oSf'od ,uvkbZ,e foÙk o"kZ 2021&22 ds 2-71 çfr'kr
ls 35 chih,l c<+dj 3-06 çfr'kr gks x;k per cent from 2.71 per cent in FY 2021-22.
foÙk o"kZ 2022&23 esa cSad ds 'kkunkj çn'kZu ds dkj.k Due to the improved performance of the Bank in FY
funs'kd eaMy us çfr bfDoVh 'ks;j 0-65 ds ykHkka'k dh 2022-23, the Board of Directors has recommended
flQkfj'k dh gSA
Developments at your Bank
o"kZ ds nkSjku] cSad us ifjpkyu dks lqpk: cukus] n{krk During the year, the Bank took up several
c<+kus] ykxr de djus rFkk csgrj cSafdax vuqHko çnku
djus gsrq dbZ igysa dh gSaA cSad us dkjksckj fodkl
dks c<+kus ,oa dk;Zfu"iknu esa lq/kkj ds fy, O;kid banking experience. The Bank launched
vk|ksikUr fMftVy ;k=k,a 'kq: dhA bl rjg dh igy comprehensive end-to-end digital journeys
esa fjVsy] ,e,l,ebZ ,oa —f"k] ns;rkvksa rFkk olwyh dh for driving business growth and improving
lqfo/kk,a 'kkfey gSaA ih,ih,y ds varxZr ,aM&Vw&,aM
fMftVy laforj.k foÙk o"kZ 2021&22 esa 40 djksM+ #i;s
ls c<+dj foÙk o"kZ 2022&23 esa 3000 djksM+ #i;s ls
vf/kd gks x;kA blh rjg] fMftVy :i ls lkslZ fd,
x, cpr [kkrs foÙk o"kZ 2021&22 ds 24 çfr'kr ls the digitally sourced saving account increased to
c<+dj foÙk o"kZ 2022&23 esa 81 çfr'kr gks x, vkSj
fMftVy dkMZ lfØ;.k foÙk o"kZ 2021&22 ds 55-5
çfr'kr ls c<+dj foÙk o"kZ 2022&23 esa 76-1 çfr'kr
gks x;kA blds vfrfjä] O;kid Lrj ij xzkgdksa dh
vkdka{kkvksa dks iwjk djus ds fy, cSad ds ih,uch ou of the customers in a big way. As a result, the
,si dks u;k Lo:i fn;k gSA blds ifj.kke Lo:i] ,si
dks viukus] nSfud lfØ;.k] nSfud y‚fxu rFkk nSfud
ysunsu ds ekeys esa rst o`f) ns[kh xbZA bruk gh ugha]
ekpZ] 2023 esa fMftVy ysunsu esa cSad dh fgLlsnkjh 79 increased from 79 per cent to 92 per cent in
çfr'kr ls c<+dj 92 çfr'kr gks xbZ] tks gekjs cSad esa
fMftVyhdj.k dh xfr dks n'kkZrk gSA
fMftVy cSafdax mRikn rFkk lsok,a] vc nksauksa dk;Z{ks=ksa] Digital banking products and services are now
Hkqxrku vkSj _.knk=h ds :i esa le`) gks jgh gSaA ,d ng both in payment and lending domain.
vksj] ge vaxhdkj djus ds fy, mnkj gSa] nwljh vksj]
the other hand, with increasing growth, increase
c<+rh o`f) ds lkFk] fofHkUu ç.kkfy;ksa esa deh vkSj in various systems and technology risk comes
çkS|ksfxdh tksf[ke lkeus vkrk gSA cSad fujarj lkbcj
lqj{kk mik;ksa dks c<+k jgk gS vkSj vkbZVh ,oa fMftVy cyber security measures and bolstering IT and
volajpuk dks l'kä dj jgk gS rkfd ,d pqLr tksf[ke Digital infrastructure to set up an agile risk
cSd,aM çksQkby LFkkfir fd;k tk lds] tks bu fLFkfr;ksa
dks iqu% la;ksftr dj fu;af=r j[k ldsA
cSad ekuo lalk/kuksa dks çkFkfedrk nsrk gS rFkk laLFkk The Bank places high value on human
dks vkxs ys tkus esa muds }kjk fuHkkbZ xbZ Hkwfedk ,oa resources and acknowledges the role played
fiNys foÙk o"kZ ds nkSjku cSad ds mR—"V dk;Zfu"iknu

esa muds ;ksxnku dks Lohdkj djrk gSA vius yksxksa dh
mRikndrk ,oa dk;Zdq'kyrk dks vkSj c<+kus ds fy,] cSad
of its people, the Bank has been taking up various
deZpkfj;ksa ds dY;k.k rFkk fodkl dks dkjksckjh y{;ksa steps to align the business goals with that of
ds lkFk tksM+us ds fy, dbZ dne mBk jgk gSA employees' welfare and growth.
lsok çnku djus ls lac) fdlh Hkh laxBu ds fy, Human resource is the most important asset for
ekuo lalk/ku lcls egRoiw.kZ laifÙk gS vkSj blfy, ;g
vko';d gS fd laxBu ds lexz fodkl ds fy, ekuoh; undertakes steps for upskilling and reskilling to
laifÙk dh n{krk c<+kus gsrq laxBu dkS'ky fodkl ,oa iqu%
çoh.k cukus ds fy, dne mBk,A cSd a bls vR;f/kd egRo
nsrk gS vkSj le;≤ ij Hkwfedkvksa vkSj mÙkjnkf;Roksa ds importance to the same and taken up various
fuoZgu gsrq ekuo lalk/kuksa dks gqujean cukus ds fy, fofHkUu
igy djrk gSA bl fn'kk esa ,d dne vkxs c<+krs gq,] cSd a
esa ,d O;kid ekuo lalk/ku dk;karj.k çfØ;k 'kq: dh xbZ
gS] ftlesa ç.kkyh lapkfyr vkadM+s rFkk midj.kksa ds ek/;e
ls fofHkUu ç.kkfy;ksa vkSj çfØ;kvksa dks lq–<+ djrs gq, LVkQ
various systems and procedures through system
dh mRikndrk esa o`f) ij /;ku dsfUær fd;k x;k gSA driven data & tools.
u, mRiknksa ,oa lsokvksa dks viukrs le;] cSad ;g

lqfuf'pr djrk gS fd lHkh fn'kkfunsZ'kksa rFkk uSfrdrk Bank ensures that all the guidelines and ethics
are duly adhered to. The Bank also complies with
dk fof/kor ikyu fd;k tk,A cSad miHkksäkvksa dh
lqj{kk ds mís'; ls cuk, x, fu;eksa dk Hkh ikyu djrk
gS] tSls mRiknksa ,oa lsokvksa ds ckjs esa Li"V vkSj ikjn'khZ about products and services, handling customer
tkudkjh çnku djuk] xzkgdksa dh f'kdk;rksa dk fuiVku complaints, and ensuring fair and ethical
vkSj fu"i{k rFkk uSfrd O;ogkjksa dks lqfuf'pr djukA
xzkgd lsok ij fu;ked laLFkk }kjk tkjh fn'kk&funsZ'kksa
dks /;ku esa j[krs gq, cSad us ,d l'kä f'kdk;r
fuokj.k uhfr rS;kj dh gSA ;g lqfuf'pr djus ds fy,
fd foÙkh; lsokvksa dh igq¡p vkf[kjh ik;nku rd gks] the last mile the Bank has a network of over
cSad ds ikl 24000 ls vf/kd O;olk; çfrfuf/k;ksa dk
ncial inclusion strategy
,d usVodZ gS] tks cSad ds foÙkh; lekos'ku dk;Zuhfr for the Bank.
dks etcwrh ls Fkkes gq, gSaA
cSad us i;kZoj.kh;] lkekftd vkSj vfHk'kklu ¼bZ,lth½ The Bank has made a steady progress in
laL—fr LFkkfir djus esa vuojr çxfr dh gSA cSad
_.k nsus esa i;kZoj.kh; rFkk lkekftd tksf[keksa dk cognizance of environmental and social risks
laKku ysrk gS vkSj uohdj.kh; ÅtkZ] lkSj ÅtkZ ,oa in lending and advances are directed towards
gfjr foÙkiks"k.k gsrq vfxzeksa dh fn'kk esa vxzlj gSA renewable energy, solar power and Green
cSad us fofHkUu uokpkjksa okyh ;kstukvksa rFkk fofHkUu
d‚iksZjsV lkekftd mÙkjnkf;Ro ¼lh,lvkj½ xfrfof/k;ksa
vkSj xzkeh.k çf'k{k.k dsaæksa ds ek/;e ls oafpr oxksaZ dh
lgk;rk djuk tkjh j[kk gSA cSad d‚jiksjsV vfHk'kklu]
leFkZ d‚iksZjsV dk;Zuhfr ,oa çdVhdj.k rFkk ikjnf'kZrk
ds mPp ekudksa dh loksZÙke çFkkvksa dks vaxhdkj djus Governance, sound corporate strategy and high
gsrq çfrc) gSA standards of disclosures and transparency.
gesa ;g lwfpr djrs gq, çlUurk gks jgh gS fd foÙkh; We are pleased to inform that the Bank was
o"kZ 2021&22 ds fy, cSad dks loksZPp ^^jktHkk"kk dhfrZ** awarde
ds rgr f}rh; iqjLdkj ls lEekfur fd;k x;kA cSad dks
loZJs"B ,e,l,ebZ ÝsaMyh cSad] ljdkj dh ;kstukvksa
dks ykxw djus okys cSad] dksfoM ls lacaf/kr ;kstuk dks
ykxw djus ds fy, psaEcj v‚Q bafM;u ekbØks] Le‚y
,aM ehfM;e ,aVjçkbtst ¼lhvkbZ,e,l,ebZ ½ }kjk
,e,l,ebZ cS a f da x mR—"Vrk iqjLdkj 2022 ls Hkh Bank.
lEekfur fd;k x;kA
Closing remarks
var esa] eSa bl ;k=k esa vius xzkgdksa ls feys fujarj In conclusion, I would also like to acknowledge
laj{k.k ds fy, mudks /kU;okn nsuk pkgwaxkA eSa vius
'ks;j/kkjdksa vkSj vU; lEekfur fgr/kkjdksa dks muds this journey from our customers. I also extend
vVwV leFkZu vkSj gekjs cSad esa Hkjkslk trkus ds fy, esteemed stakeholders for their unwavering
gkfnZd vkHkkj O;ä djrk gwaA eSa funs'kd eaMy ,oa support and posing trust in our Bank. I also
gekjs lefiZr deZpkfj;ksa dh dM+h esgur rFkk gekjs
Directors and our dedicated employees for their
lk>k fotu ds çfr çfrc)rk ds fy, Hkh mudh vR;ar hard work and commitment to our shared vision.
ljkguk djrk gwaA eSa foÙk ea=ky; vkSj Hkkjrh; fjtoZ
cS a d dks Hkh muds lg;ks x vkS j ekxZ n 'kZ u ds fy, Bank of India for their support and guidance.
/kU;okn ns r k gw a A
geus lkFk feydj egRoiw.kZ miyfC/k;ka gkfly dh gSa
rFkk mTToy Hkfo"; dh lQyrk ds fy, ,d Bksl miles
uhao j[kh gS A ge vius fe'ku ^ success. We remain steadfast in our mission
vkSj vius fotu

and our Vision of “
vkidk] Yours Sincerely
K G Ananthakrishnan
xSj&dk;Zikyd vè;{k
Message from the Managing Director
Dear Shareholders,
foÙkh; o"kZ 2022&23 ds fy, cSad ds foÙkh; dk;Zfu"iknu I am delighted to place before you the highlights of
dh eq[; fo'ks"krkvksa dks vkids le{k j[krs gq, eq>s
çlUurk gks jgh gSA fiNys o"kZ vkids cSad us çeq[k
dk;Zfu"iknu ladsrdksa ij vPNh çxfr dh tks vuqdwy
oká dkjdksa ls rFkk yksxks]a mRiknksa ,oa çfØ;kvksa esa
lq/kkj ij /;ku dsafær djds ifjpkyu n{krk c<+kus
ds mís'; ls 'kq: fd, x, dk;Zuhfrd :ikUrj.kksa ls
çsfjr gSA processes.
lai.w kZ cSfa dax m|ksx us foÙk o"kZ 2022&23 ds nkSjku lq–<+

foÙkh; fLFkfr n'kkZbZ gS tks ,d etcwr fu;ked <kaps
vkSj viukbZ xbZ loksÙZ ke foosdiw.kZ i)fr;ksa }kjk lefFkZr
Hkkjrh; foÙkh; ç.kkyh ds ncko lgus ds lkeF;Z vkSj
xaHkhjrk dks n'kkZrk gSA fLFkj ,oa csgrj cSyal s 'khV dh
fLFkfr dk ykHk mBkrs gq,] cSfa dax ç.kkyh] vkidk cSd
a ftldk
,d vfHkUu vax gS] orZeku foÙk o"kZ esa vkSj vf/kd lq–<+
dk;Zfu"iknu djus ds fy, iw.kZr;k rS;kj gSA
cSafdax ifj–'; Hkh fMftVy Økafr ,oa rduhdh uokpkjksa

}kjk 'kq: fd, x, ifjorZuksa ls xqtj jgk gSA fMftVy
IysVQ‚eZ u, dkjksckj vtZu]laof/kZr xzkgd lsok çnku
djus] foÙkh; pwdksa dks de djus vkSj tu&dsafær is emerg
ifjorZuksa dks 'kq: djus gsrq ,d çeq[k çorZd ds :i esa
mHkj jgk gSA eq>s ;g ?kks"k.kk djrs gq, xoZ dk vuqHko
gks jgk gS fd vkids cSd a us igys gh dbZ dkjksckjh
{ks=ksa esa fMftVy lqfo/kkvksa esa fuos'k djds bl fn'kk esa
,d Bksl 'kq#vkr dh gS] ftlls fudV Hkfo"; esa vPNk
ykHkka'k feyus dh mEehn gSA
fiNys o"kZ Hkh lef"V vkfFkZd ekspsZ ij pqukSfr;ka ekStwn

jgha] tks eq[; :i ls eqækLQhfr ls lacaf/kr Fkha] ftlls
dsaæh; cSad dks uhfrxr gLr{ksi djuk iM+kA eq>s ;g
lwfpr djrs gq, vikj g"kZ gks jgk gS fd vkids cSd a
us bl fn'kk esa fd, tk jgs ç;klksa esa lg;ksx fd;k
gS rFkk cSad vFkZO;oLFkk dh _.k vko';drkvksa dks
foÙkiksf"kr djus esa vxz.kh jgk gSA eSa vc vkids le{k
foÙk o"kZ 2022&23 ds nkSjku vFkZO;oLFkk dk ,d laf{kIr
voyksdu çLrqr djuk pkgrk gwa] ftldk cSafdax ,oa
foÙkh; {ks= ij egRoiw.kZ çHkko iM+k gSA
Economic Overview
The Global Economy
varjjk"Vªh; eqnkz dks"k ¼vkbZ,e,Q½ ds vuqlkj] oSf'od

fodkl nj 2022 ds 3-4 çfr'kr ls ?kVdj 2023 esa 2-8
çfr'kr vkSj 2024 esa FkksM+k lq/kjdj 3 çfr'kr gksus dh
mEehn gSA blds vykok] oSf'od eqækLQhfr 2022 esa
8-7 çfr'kr ls ?kVdj bl o"kZ 7-0 çfr'kr vkSj 2024 esa
4-9 çfr'kr gksus dh laHkkouk gSA oSf'od vFkZO;oLFkk ds
çeq[k tksf[keksa esa :l&;wØsu la?k"kZ ls mRiUu çfrdwy
Hkw&jktuhfrd çHkko] çeq[k vFkZO;oLFkkvksa esa c<+rh
eqækLQhfr] foÙkh; {ks= esa ncko ,oa vk?kkrksa ls mcjus
ds fy, lhfer jktdks"kh; cQ+j jgk gSA ifj.kkeLo:i]
fodflr vFkZO;oLFkkvksa ds fodkl esa] fo'ks"k :i ls
?kksf"kr eanh gks ldrh gS vkSj mHkjrh vFkZO;oLFkkvksa ds
csgrj çn'kZu dh mEehn gSA
dsaæh; cSadksa ls vis{kk gS fd os eqækLQhfr dks fu;af=r

dj foÙkh; fLFkjrk cuk, j[ksaxAs <kapkxr lq/kkj tSls
vf/kd fuos'k] O;kikj vuqdwy okrkoj.k esa lq/kkj] csgrj
_.k ikjnf'kZrk vkSj oguh;rk ,d fLFkj Hkfo"; dk
–f"Vdks.k lqfuf'pr djsxh A
The Indian Economy
vkbZ,e,Q dks mEehn gS fd foÙk o"kZ 2022&23 esa

Hkkjrh; vFkZO;oLFkk 6-8 çfr'kr vkSj foÙk o"kZ 2023&24
esa 5-9 çfr'kr dh nj ls c<+x
s hA gkyk¡fd] vkjchvkbZ dks
mEehn gS fd Hkkjrh; vFkZO;oLFkk foÙk o"kZ 2022&23 esa
7-0 çfr'kr vkSj foÙk o"kZ 2023&24 esa 6-5 çfr'kr dh
nj ls c<+sxhA Hkkjr ds foÙk o"kZ 2022&23 rFkk foÙk
o"kZ 2023&24 esa fo'o Lrj ij lcls rsth ls c<+rh
vFkZO;oLFkk cus jgus dh vk'kk gSA i
foÙk o"kZ 2022&23 esa dsUæh; cSad ds fy, egaxkbZ dk

fu;a=.k vkSj çca/ku ,d çeq[k pqukSrh cuk jgkA gkykafd]
foÙk o"kZ 2023&24 esa fjVsy eqækLQhfr ds de gksus dh
laHkkouk ds lkFk eqækLQhfrd ncko de gksuk vkjaHk
gks x;k gSA vçSy 2023 esa lhihvkbZ&dksj dh Øfed
o`f) twu 2022 ds ckn ls lcls de gS rFkk blds
fy, miHkksäk oLrqvksa ds ewY;ksa esa ?kVrh MCY;wihvkbZ
eqækLQhfr dh izo`fr dh 'kq#vkr dks mÙkjnk;h ekuk
tk ldrk gSA
foÙk o"kZ 2022&23 ds nkSjku ns'k esa vkS|ksfxd fodkl
etcwr jgk gSA o"kZ ds nkSjku fofuekZ.k {ks= ds fy,
{kerk mi;ksx ds dqy Lrj esa lq/kkj gqvk gSA lq–<+ feJ
Ø; çca/kd lwpdkad ¼ih,evkbZ½ ds leFkZu ls fuos'k
ds Lrj esa mNky fn[kkbZ fn;kA dsaæ vkSj jkT;ksa nksuksa
ljdkjksa }kjk iwath O;; dh nj esa o`f) gqbZ] tks vkfFkZd
xfrfof/k;ksa dks c<+kok nsus vkSj fuos'k tqVkus ij tksj
nsus dk ladsr nsrh gSA
foÙk o"kZ 2023&24 esa vkxs c<+rs gq,] vkfFkZd ifjfLFkfr;ka

vk'kkoknh vkSj vf/kd vuqdwy fn[kkbZ ns jgh gSaA foÙk
o"kZ 2023&24 ds fy,] ljdkj us iwathxr O;; dks
ldy ?kjsyw mRikn ds 3-3 çfr'kr ij j[kk gS] tks
fiNys o"kZ dh rqyuk esa 33 çfr'kr vf/kd gSA vçSy
2023 esa th,lVh laxzg #i;s 1-87 yk[k djksM+ ds
fjd‚MZ mPp Lrj ij igq¡p x;kA dqy ,l ,aM ih
Xykscy bafM;k dEiksftV ih,evkbZ vkmViqV baMDs l
vçSy 2023 esa c<+dj 61-6 gks x;k] ;g tqykbZ 2010
ds ckn lcls vf/kd gS] tks fofuekZ.k vkSj lsokvksa nksuksa
health
esa LoLFk fodkl dk ladsr nsrk gSA
mi;qZä lef"V vkfFkZd ifjos'k dh i`"BHkwfe esa] eSa vkids
lkFk foÙk o"kZ 2022&23 ds nkSjku vkids cSad ds foÙkh;
dk;Zfu"iknu ds çeq[k fcanq lk>k djuk pkgrk gwaA
Financial Performance:
Sustainable Business
31 ekpZ 2023 dks cSad dk ldy oSf'od dkjksckj #i;s

21-66 yk[k djksM+ rd igqap x;k] ftlesa ldy oSf'od
vfxze #i;s 8-85 yk[k djksM+ rFkk ldy oSf'od tek
jkf'k #i;s 12-81 yk[k djksM+ FkhA
fjVsy] Ñf"k ,oa ,e,l,ebZ ¼jSe½ vfxze 4-70 yk[k
djksM+ #i;s jgk] tks dqy vfxzeksa dk 55-3 çfr'kr gSA
pkyw vkSj cpr tek ¼dklk½ 5-38 yk[k djksM+ #i;s
jgkA dklk dk fgLlk ?kjsyw tek dk 43-0 çfr'kr jgkA
vkids cSad dk /;ku ,sls dkjksckj dks tqVkusa ij gS

tks fVdkÅ vkSj ykHknk;d gksA vius xzkgdksa ds lkFk
nh?kZdkfyd laca/k cukus vkSj fodflr djus ij tksj
fn;k tkrk gS rkfd muls vPNh yhM~l çkIr dh tk
ldsA xzkgd vtZu ds fy, ekxZn'kZu vkSj fuxjkuh gsrq
,d u;k lefiZr ofVZdy Hkh LFkkfir fd;k x;k gS tks
lac/a kksa dks etcwr cukus esa egRoiw.kZ Hkwfedk fuHkk,xk
vkSj bl rjg lrr dkjksckj l`tu esa lqxerk gksxhA
ability
cSad us foÙk o"kZ 2022&23 esa 22]529 djksM+ #i;s dk

ifjpkyu ykHk vkSj 2]507 djksM+ #i;s dk fuoy ykHk
ntZ fd;kA foÙk o"kZ 2023 dh pkSFkh frekgh esa vkids
cSad }kjk vftZr fuoy ykHk lekesyu ds ckn ntZ
fd;k x;k vc rd dk lokZf/kd fuoy ykHk gSA cSad us
o"kZ&nj&o"kZ vk/kkj ij 20-2 çfr'kr dh o`f) ds lkFk
34]492 djksM+ #i;s dh fuoy C;kt vk; vftZr dhA
fuoy C;kt ekftZu 35 chih,l c<+dj 3-06 çfr'kr
gks x;k] vkfLr ij çfrQy 0-18 çfr'kr vkSj bfDoVh
ij fjVuZ 3-94 çfr'kr jgkA
eq>s ;g crkrs gq, [kq'kh gks jgh gS fd ifjpkyu ykHk]
fuoy ykHk] fuoy C;kt vk;] vkfLr ij çfrQy]
oSf'od ,uvkbZ,e vkSj bfDoVh ij çfrQy yxkrkj
ikap frekfg;ksa esa frekgh&nj&frekgh esa fLFkj o`f) ntZ
djus ds lkFk ykHkçnrk vkids cSad dh lq–<+rk dk
eq[; {ks= cudj mHkjk gSA
Asset Quality
cSad dk ldy ,uih, 31 ekpZ 2022 ds 92]448 djksM+ st

#i;s ds eqdkcys de gksdj 31 ekpZ 2023 dks 77]328 st
djksM+ #i;s gks x;kA ldy ,uih, vuqikr esa 304
chih,l dk lq/kkj gqvk vkSj ;g 8-74 çfr'kr gks x;kA
cSad dk fuoy ,uih, 31 ekpZ 2022 ds 34]909 djksM+ st
#i;s ls ?kVdj 31 ekpZ 2023 dks 22]585 djksM+ #i;s st
gks x;kA fuoy ,uih, vuqikr esa 208 chih,l dk

lq/kkj gqvk vkSj ;g 2-72 çfr'kr gks x;kA blh çdkj]
çko/kku dojst vuqikr fiNys o"kZ dh rqyuk esa 530
chih,l c<+dj 86-90 çfr'kr gks x;kA
;g okLro esa [kq'kh dh ckr gS fd fnlacj 2021 ls
th,uih, vkSj ,u,uih, nksuksa vuqikrksa esa fxjkoV dh
ço`fÙk ds lkFk vkids cSad dh vkfLr xq.koÙkk esa vHkwriwoZ
lq/kkj gqvk gSA blh rjg] çko/kku dojst vuqikr Hkh
foÙk o"kZ 2022 ls foÙk o"kZ 2023 rd yxkrkj frekfg;ksa
esa c<+k gSA
frekfg;ksa esa _.k ykxr Hkh Øfed :i ls de gks
jgh gSA fLyist vuqikr esa Hkh mYys[kuh; lq/kkj
gqvk gSA dqy feykdj] foÙk o"kZ 2022&23 dh pkj
frekfg;ksa esa olwyh dh nj dh rqyuk esa u, fLyist
dh nj de jgh gSA blds vykok] _.k fuxjkuh
ra= dks vkSj vf/kd xgu vkSj dBksj cuk fn;k x;k
gS] ftlds ifj.kkeLo:i fo'ks"k mfyf[kr [kkrksa ds
,uih, Js.kh esa tkus esa dkQh fxjkoV vkbZ gS] tks
csgrj laxzg n{krk dks n'kkZrk gSA
Capital Adequacy
31 ekpZ 2023 dks cSad dk iwath i;kZIrrk vuqikr fiNys
o"kZ dh rqyuk esa 100 chih,l c<+dj 15-50 çfr'kr
gks x;k] ftlesa vfrfjä fV;j& I iwath 1-47 çfr'kr] st
lhbZVh 1 11-22 çfr'kr vkSj fV;j II iwath 2-81 çfr'kr

FkhA foÙk o"kZ 2022&23 ds nkSjku] cSad us ,Vh&1 c‚UM
ds ek/;e ls 4]214 djksM+ #i;s vkSj fV;j&II c‚UM ds
ek/;e ls 4]000 djksM+ #i;s tqVk,A
eq[; :i ls csgrj&jsVsM [kkrksa ij /;ku dsafær djus
st st
vkSj cSad ds iksVZQksfy;ks ds eaFku ds dkj.k tksf[ke
?kuRo 31 ekpZ 2022 ds 76-5 çfr'kr ls ?kVdj 31 ekpZ
2023 dks 74-5 çfr'kr gks x;kA
cSad us de tksf[ke okys çksQkby okys mPp&jsVsM
m/kkjdrkZvksa dks yf{kr djds LFkk;h O;kikj fodkl ij
viuk /;ku dsafær djuk tkjh j[kkA vFkZO;oLFkk dh
c<+rh _.k vko';drkvksa dks iwjk djus ds fy, cSd a
dk;Zuhfrd :i ls vPNh fLFkfr esa gSA omy.
fMftVyhdj.k cSad ds fy, ,d çeq[k /;kukd"kZ.k {ks=

cuk gqvk gSA gekjs thou ds yxHkx lHkh {ks=ksa esa
fMftVyhdj.k vkSj rduhdh ifjorZuksa dh rhoz ygj
ds lkFk] ;g vifjgk;Z gS fd xq.koÙkkiw.kZ xzkgd lsok
çkIr djus ds fy, xzkgdksa dh ekax vkSj vis{kk,¡ c<+saxhA
gkykafd] bl fn'kk esa] tSlk fd igys gh mYysf[kr
fd;k tk pqdk gS] vkids cSad us igys gh ,d 'kq#vkr
dj nh gS vkSj vius fMftVy iksVZQksfy;ks vkSj is'kd'kksa
dks vkSj etcwr djus ds fy, çfrc) gS] ftldk ykHk
dbZ [kaMksa esa vf/kd O;olk; gkfly djus ds lkFk&lkFk
loksZÙke xzkgd lsok çnku djus ds fy, fd;k tk,xkA
foÙk o"kZ 2022&23 ds nkSjku] vkids cSad us 35
ls vf/kd fMftVy ls ok,a 'kq: dha] tks ,d cM+ h
miyfC/k gSA buesa vU; lqfo/kkvks a ds lkFk&lkFk
fofHkUu jSe ls xesa V ls la caf /kr fMftVy ls ok,a]
VuZ &vjkmaM le; dks de djus ds fy, VS c cSa fda x
ds ek/;e ls dklk ds rgr u, [kkrs [kksyuk]
bZ &vksVh,l ds ek/;e ls rsth ls olwyh dh
lq f o/kk] lax zg n{krk esa lq /kkj vkS j /ku çca /ku
mRiknks a dks c<+ kok nsuk 'kkfey gSa A
Focus on RAM
jSe lsxesaV esa lrr fodkl vkids cSad ds ØsfMV

iksVZQksfy;ks dks c<+kus dh j.kuhfr dh vk/kkjf'kyk gSA
jSe vfxze 31 ekpZ 2022 ds 3]88]912 djksM+ #i;s dh st
rqyuk esa 31 ekpZ 2023 dks 4]69]981 djksM+ #i;s Fkk]

st
blesa 20-8 çfr'kr dh o`f) gqbZA [kqnjk vfxze 41-6
çfr'kr dh o`f) ds lkFk 1]97]698 djksM+ #i;s] —f"k
vfxze 1]42]105 djksM+ #i;s vkSj ,e,l,ebZ vfxze
1]30]178 djksM+ #i;s jgkA ?kjsyw vfxzeksa esa jSe dh
fgLlsnkjh 31 ekpZ 2022 ds 51-2 çfr'kr dh rqyuk esa
st
31 ekpZ 2023 dks c<+dj 55-3 çfr'kr gks xbZA dksj st
fjVsy us 15-2 çfr'kr dh etcwr o"kZ&nj&o"kZ o`f) ntZ
dh] x`g _.k [kaM esa 10-9 çfr'kr dh o`f) gqbZ] okgu
_.k esa 30-6 çfr'kr dh o`f) gqbZ] vkSj O;fäxr _.k
[kaM esa 48-9 çfr'kr dh o`f) gqbAZ
fjVsy] —f"k] ,e,l,ebZ [kaM cSad ds laHkkfor R
mPp&izfrQy nsus okys vfxzeksa dk xBu djrk gS] vkSj
bls /;ku esa j[krs gq,] vkids cSad us bl [kaM esa ØsfMV
v‚Q+Vd s dks c<+kus ds fy, fMftVy _.k dks cM+s iSekus
ij c<++kok fn;k gSA çh&vçwOM ilZuy yksu ,d ,slh
lqfo/kk gS] tks xzkgdksa dks dsoy pkj fDyd esa yksu
forfjr djrh gS vkSj gekjs ,si ih,uch ou ds ek/;e
ls Hkh vklkuh ls miyC/k gSA fiNys o"kZ ds nkSjku fd,
x, vU; mik;ksa esa rsth ls ØsfMV fu.kZ;ksa dks l{ke
djus ds fy, vf/kd 'kfä;ksa dk çR;k;kstu] ih,uch
_.k dsUnzksa vkSj e/; d‚iksZjVs dsaæksa dh fuxjkuh ra= dh
leh{kk djuk 'kkfey gS rkfd os eaMy dk;kZy;ksa dks
fjiksVZ djsa vkSj le;≤ ij lefiZr vfHk;ku 'kq:
djsa rkfd _.k esa o`f) gks ldsA jSe ds rgr ØsfMV dks
c<+kok nsus ds fy, fofHkUu {kerkvksa ds lkFk QhYM dks
vkSj vf/kd l'kä cuk;k x;k gSA
People Management
1 yk[k ls vf/kd lefiZr deZpkjh gekjh lcls cM+h

laifÙk gSa vkSj ;s gh laxBu dh lQyrk ds fy, egRoiw.kZ
dkjd gSaA foÙk o"kZ 2022&23 ekuo lalk/ku ¼,pvkj½
ds –f"Vdks.k ls cgqr egRoiw.kZ jgk] ftlesa vkids cSd
a
us mRikndrk esa lq/kkj] deZpkfj;ksa dk eukscy vkSj
n{krk c<+kus ds fy, egRoiw.kZ dne mBk, gSaA
vkids cSad esa dh xbZ ekuo lalk/ku ifjorZu dh igy
us ç.kkyh lapkfyr MsVk vkSj midj.kksa] dk;Zfu"iknu
ds fu"i{k vkSj oLrqfu"B ewY;kadu] deZpkfj;ksa dks le;
ij] vko';drk&vk/kkfjr çf'k{k.k çnku djus rFkk
dk;Zfu"iknu ls tqM+s izkRs lkgu ds ek/;e ls ,pvkj
esa ikjnf'kZrk ykus ds fy, fofHkUu ç.kkfy;ksa vkSj
çfØ;kvksa dks lq–<+ djus ij tksj fn;k gS A bu lHkh
{kerk&fuekZ.k vkSj dk;kZRed {kerk&fuekZ.k ds dneksa
ls deZpkfj;ksa ds laHkkfor dkS'ky dks l'kä cuus vkSj
le`) gksus dh mEehn gS] tks cSad dks ykHkkfUor djsxkA
eq>s ;g crkrs gq, xoZ dk vuqHko gks jgk gS fd foÙk

o"kZ 2022&23 ds nkSjku ] vkids cSad ds dk;Zfu"iknu
dks fofHkUu eapksa vkSj IysVQkeksaZ ij lEeku çnku fd;k
x;k rFkk iqjL—r fd;k x;k gSA lw{e] y?kq vkSj e/;e
m|e ea=ky; }kjk foÙk o"kZ 2022&23 ds fy, cSad dks
^^mR—"V xkjaVh dojst** ds fy, iqjLdkj çkIr gqvk gSA
bdksu‚fed VkbEl }kjk bZVh ,t csLV ch,Q,lvkbZ
czkaM~l ds fy, Hkh cSad dks lEekfur fd;k x;k gSA
blds vykok] cSad us vVy isa'ku ;kstuk ukekadu
ds fy, isa'ku QaM fu;ked vkSj fodkl çkf/kdj.k
¼ih,QvkjMh,½ }kjk 'kq: fd, x, lfdZy v‚Q
,Dlhysal vfHk;ku esa mR—"Vrk dk iqjLdkj thrkA
st
bZt 4-0 iqjLdkjksa ds 2 Fkhe vFkkZr rduhdh l{ke
cSafdax ,oa vfHk'kklu rFkk ekuo lalk/ku ds varxZr
cSad f}rh; LFkku ij jgkA foÙk o"kZ 2021&22 ds fy,
cSad dks loksZPp ^^jktHkk"kk dhfrZ** iqjLdkj ds varxZr
f}rh; iqjLdkj ls Hkh lEekfur fd;k x;kA
Looking Ahead
vkids cSad dk mís'; foÙkh; o"kZ 2023&24 ds fy,
,d cgq&vk;keh j.kuhfr viukuk gS tks LFkk;h vkSj
ykHknk;d fodkl dks lqxe cukus ds fy, ifjpkyu
{kerk esa o`f) ds fy, ekStwnk lgfØ;kvksa ,oa {kerkvksa
dk fuekZ.k djuk pkgrh gSA
gekjh dk;Zuhfr cktkj esa fgLlsnkjh c<+kus ij fuHkZj
djrh gS] ftlesa dklk 'ks;j vkSj _.k o`f)]fo'ks"k
:i ls jSe ¼fjVsy] —f"k],e,l,ebZ½ vfxzeksa dks c<+kuk(
olwyh dh nj esa o`f) djds vkfLr xq.koÙkk esa lq/kkj
djuk] fLyist dks de djuk] fo'ks"k mYysf[kr [kkrksa
dh lq–<+ fuxjkuh djuk rkfd mUgsa ,uih, Js.kh esa
tkus ls jksdk tk lds vkSj laxzg n{krk esa o`f) djuk(
vf/kd dkjksckj çkIr djus ds fy, fMftVyhdj.k dk
ykHk mBkus ij tksj nsus ds lkFk fMftVy ifjorZu
esa rhozrk ykuk] laof/kZr xzkgd lsok nsus vkSj mR—"V
xzkgd vuqHko çnku dj xzkgd dsafærrk ij tksj nsuk
rFkk blesa dk;Zcy dh n{krk vkSj mRikndrk c<+kus
ds fy, deZpkjh&dsafær ifjorZu dks çHkkfor djuk
'kkfey gSA
foÙk o"kZ 2023&24 vkids cSad ds fy, ,d Lof.kZe o"kZ
gksxk] vkSj lgh j.kuhfr] fLFkj ,dkxzrk rFkk Li"V fotu
ds lkFk] vkidk cSad fuf'pr :i ls vius dk;Zçn'kZu
dks csgrj cuk,xk vkSj vius lHkh fgr/kkjdksa ds fy,
csgrj ewY; vkSj çfrQy dk l`tu djsxkA
vkidk]
Atul Kumar Goel
çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh
fo"k; lwph Contents
i`"B la Page No.
uksfVl
funs'kdksa dh fjiksVZ
çca/ku ifjppkZ ,oa fo'ys"k.k
d‚iksZjsV vfHk'kklu ij ys[kk ijh{kdksa dk çek.k i=
d‚iksZjsV vfHk'kklu ij fjiksVZ
lfpoh; ys[kkijh{kk fjiksVZ
funs'kdksa dh xSj&v;ksX;rk dk çek.k i=
dkjksckj mÙkjnkf;Ro vkSj lLVsuscfyVh fjiksVZ
d‚iksZjsV lkekftd mÙkjnkf;Ro fjiksVZ
csly ÝseodZ ds varxZr çdVhdj.k
foÙkh; foojf.k;ka ¼,dy½ Financial Statements (Standalone)

rqyu&i=
ykHk vkSj gkfu ys[kk
vuqlwfp;ka
çeq[k ys[kkadu uhfr;ka
ys[kksa ds fy, fVIif.k;ka
udnh çokg fooj.k
ys[kkijh{kdksa dh fjiksVZ
lesfdr foÙkh; foojf.k;kaa Consolidated Financial Statements

rqyu i=
ykHk vkSj gkfu ys[kk
vuqlwfp;ka
çeq[k ys[kkadu uhfr;ka
ys[kksa ds fy, fVIif.k;ka
udnh çokg fooj.k
ys[kkijh{kdksa dh fjiksVZ
ys[kkijh{kd AUDITORS
,l ,u /kou ,aM daiuh ,y,yih
,l vkj xks;y ,aM daiuh
ih ,l ,e th ,aM ,lksfl,V~l
,l lh ckiuk ,aM ,lksfl,V~l
Mh ds NktM+ ,aM daiuh
'ks;j varj.k ,tsaV SHARE TRANSFER AGENT

chVy Qkbusaf'k;y ,aM daI;wVj lfoZlst ¼çk-½ fyfeVsM
^chVy gkml*] r`rh; ry
99] enuxhj] yksdy 'k‚fiax lsaVj ds ihNs
ubZ fnYyh 110062
nwjHkk"k% 011&29961281@82@83] QSDl% 011&29961284
bZ&esy%
nd
22oha okf"kZd vke cSBd ¼,th,e½ dh frfFk ,oa le; ohfM;ks d‚UÝsaflax¼ohlh@vU; v‚fM;ks fotqvy lkèkuksa ¼vks,oh,e½ ds
ekè;e ls 'kqØokj] 30 twu] 2023 dks iwokZà 11-00 cts
,th,e dh dk;Zlwph enksa ij ernku ds fy, ik= 'ks;jèkkjdksa ds 'kqØokj] 23 twu] 2023
fuèkkZj.k ds fy, dV&v‚Q frfFk
ykHkka'k ds fy, fjd‚MZ frfFk 'kqØokj] 23 twu] 2023
cgh can djus dh frfFk;k¡ 'kfuokj] 24 twu] 2023 ls 'kqØokj] 30 twu] 2023 rd ¼nksuksa fnu
'kkfey½
fjeksV bZ&oksfVax dh vofèk eaxyokj] 27 twu] 2023 ¼iwokZà 09-00 cts½ ls xq#okj] 29 twu] 2023
rd ¼vijkà 05-00 cts½
ykHkka'k Hkqxrku frfFk 'kqØokj] 14 tqykbZ] 2023
nd
Friday, 30th
rd
rd
th th
th th
th
PUNJAB NATIONAL BANK- STANDALONE BALANCE SHEET AS ON 31ST MARCH, 2023
(Rs .000 dks NksM+ fn;k x;k gS )

31.03.2023 31.03.2022
CAPITAL AND LIABILITIES
iwath
Capital 1 2202,20,31 2202,20,31
vkjf{kr fuf/k;k¡ vkSj vf/k'ks"k
Reserves and Surplus 2 97653,45,61 93284,69,23
tekjkf'k;k¡
Deposits 3 1281163,10,45 1146218,44,96
m/kkj
Borrowings 4 51291,73,08 45681,40,93
vU; ns;rk,a vkSj çko/kku
Other liabilities and provisions 5 29520,86,78 27418,26,83
tksM+
TOTAL 1461831,36,23 1314805,02,26
ASSETS
udnh vkSj Hkkjrh; fjtoZ cSad ds ikl 'ks"k
Cash and balances with Reserve Bank of India 6 78176,57,52 85736,11,66
cSadksa ds ikl 'ks"k rFkk ekax ,oa vYi lwpuk ij çfrns; jkf'k
Balances with banks and money at call and short notice 7 76932,23,31 46910,65,64
fuos'k
Investments 8 395996,71,63 372167,76,19
vfxze
Advances 9 830833,98,13 728185,67,53
vpy vkfLr;ka
Fixed Assets 10 12051,07,45 10673,61,39
vU; vkfLr;ka
Other Assets 11 67840,78,19 71131,19,85
tksM
TOTAL 1461831,36,23 1314805,02,26
vkdfLed ns;rk,a
Contingent liabilities 12 644471,87,67 605180,05,46
mxkgh fcy
Bills for Collection 34377,59,61 37786,04,52
17
18
mi;qZDr vuqlwfp;ka cSysal 'khV vfHkUu vax gS
Schedules referred to above form an integral part of the Balance Sheet
çcq) 'kekZ eqds'k dqekj vkj ds [khph çoh.k dqekj 'kekZ
lgk;d egkçca/kd lgk;d egkçca/kd mi egkçca/kd egkçca/kd

Mh ds tSu
D K Jain
eq[; egkçca/kd vkSj lh,Qvks
Chief General Manager & CFO
,e ijef'koe fcuksn dqekj dY;k.k dqekj fot; nqcs

M Paramasivam Binod Kumar Kalyan Kumar Vijay Dube
dk;Zikyd funs'kd dk;Zikyd funs'kd dk;Zikyd funs'kd dk;Zikyd funs'kd
Executive Director Executive Director Executive Director Executive Director
vrqy dqekj xks;y ds th vuar—".ku

Atul Kumar Goel K G Ananthakrishnan
çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh v/;{k
Managing Director & CEO Chairman
M‚- js[kk tSu xkSre xqgk latho dqekj fla?ky

Dr. Rekha Jain Gautam Guha Sanjeev Kumar Singhal
funs'kd funs'kd funs'kd
Director Director Director
iadt tks'kh vfuy dqekj feJk iadt 'kekZ

Pankaj Joshi Anil Kumar Misra Pankaj Sharma
funs'kd funs'kd funs'kd
Director Director Director
—rs ,l,u /kou ,aM daiuh ,y,yih —rs ,l vkj xks;y ,aM daiuh —rs ih ,l ,e th ,aM ,lksfl,V~l
For S N Dhawan & Co LLP For S R Goyal & Co For P S M G & Associates
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
Chartered Accountants Chartered Accountants Chartered Accountants
,Qvkj,u% 000050,u@,u500045 ,Qvkj,u% 001537lh ,Qvkj,u% 008567lh
FRN: 000050N/N500045 FRN: 001537C FRN: 008567C
lunh ys[kkdkj lqfjanj dqekj [kêj lunh ys[kkdkj vuqjkx xks;y lunh ys[kkdkj çcq) xqIrk
CA Surinder Kr. Khattar CA Anurag Goyal CA Prabuddha Gupta
Hkkxhnkj Hkkxhnkj Hkkxhnkj
Partner Partner Partner
¼lnL; la- 084993½ ¼lnL; la- 412538½ ¼lnL; la- 400189½
(M.No. 084993) (M.No. 412538) (M.No. 400189)
—rs ,l lh ckiuk ,aM ,lksfl,V~l —rs Mh ds NktM+ ,aM daiuh

For S C Bapna & Associates For D K Chhajer & Co
lunh ys[kkdkj lunh ys[kkdkj
Chartered Accountants Chartered Accountants
,Qvkj,u% 115649MCY;w ,Qvkj,u% 304138bZ
FRN: 115649W FRN: 304138E
lunh ys[kkdkj t; çdk'k xqIrk lunh ys[kkdkj uan fd'kksj ljkZQ

CA Jai Prakash Gupta CA Nand Kishore Sarraf
Hkkxhnkj Hkkxhnkj
Partner Partner
¼lnL; la- 088903½ ¼lnL; la- 510708½
(M.No. 088903) (M.No. 510708)
LFkku% ubZ fnYyh

Place: New Delhi
fnukad % 19 ebZ 2023
Date : May 19, 2023
PUNJAB NATIONAL BANK- STANDALONE PROFIT AND LOSS ACCOUNT FOR THE YEAR
ENDED 31ST MARCH, 2023
(Rs. 000 NksM+ fn;k x;k gS)
31.03.2023 31.03.2022
31.03.2023 31.03.2022
I. Income
vftZr C;kt
Interest earned 13 85144,11,13 74879,53,69
vU; vk;
Other Income 14 12142,53,13 12319,95,79
Total 97286,64,26 87199,49,48
II. Expenditure
[kpZ fd;k x;k C;kt
Interest expended 15 50652,47,47 46185,07,66
ifjpkyu [kpZ
Operating expenses 16 24105,40,85 20252,59,51
çko/kku vkSj vkdfLedrk,a
Provisions and Contingencies 20021,55,45 17304,85,95
Total 94779,43,77 83742,53,12

ykHk @ gkfu
tksM+sa% ykHk vkSj gkfu [kkrs esa 'ks"k
fofu;kstu
IV. Appropriations
lkafof/kd vkjf{kr fuf/k esa varj.k
Transfer to Statutory Reserves 626,80,13 864,24,09
iwath vkjf{kr fuf/k esa varj.k
Transfer to Capital Reserves 52,15,39 700,92,63
fuos'k vkjf{kr fuf/k esa varj.k
Transfer to Investment Reserve 0 15,82,58
fuos'k mrkj&p<+ko vkjf{kr fuf/k esa varj.k
Transfer to Investment Fluctuation Reserve 194,74,12 854,85,27
vk;dj vf/kfu;e ds vuqlkj fo'ks"k vkjf{kr fuf/k esa varj.k
Transfer to Special Reserve as per Income Tax Act 250,00,00 100,00,00
SCHEDULE 18: NOTES TO ACCOUNTS
(STANDALONE) – 31.03.2023
1. Regulatory Capital
¼jkf'k djksM+ esa½ 1. a) Composition of Regulatory Capital (Amount in Crore)
Current Previous
Sr. No. Particulars Year Year
lkekU; bfDoVh fV;j 1 iwath
i) ¼lhbZVh 1½ ¼dVkSrh dks ?kVkdj] 73927.95 63430.05 Common Equity Tier 1 capital
i) (CET 1) (net of deductions, 73927.95 63430.05
;fn dksbZ gks½
if any)
ii) vfrfjä fV;j 1 iwath 9677.73 7027.87
ii) Additional Tier 1 capital 9677.73 7027.87
iii) fV;j 1 iwath ¼i + ii½ 83605.67 70457.92
iii) Tier 1 capital (i + ii) 83605.67 70457.92
iv) fV;j 2 iwath 18551.14 16652.74
iv) 18551.14 16652.74
Tier 2 capital
v) 1+ 102156.81 87110.66
v) Total capital (Tier 1+Tier 2) 102156.81 87110.66
dqy tksf[ke Hkkfjr vkfLr;ka
vi) 658981.51 600821.23 vi) Total Risk Weighted Assets 658981.51 600821.23
¼vkjMCY;w,½ (RWAs)
lhbZVh 1 vuqikr ¼vkjMCY;w, ds CET 1 Ratio (CET 1 as a
vii) 11.22% 10.56% vii) 11.22% 10.56%
çfr'kr ds :i esa lhbZVh 1½ percentage of RWAs)
fV;j 1 vuqikr ¼vkjMCY;w, ds Tier 1 Ratio (Tier 1 capital as
viii) 12.69% 11.73% viii) 12.69% 11.73%
çfr'kr ds :i esa Vh;j 1 iwt
a h½ a percentage of RWAs)
fV;j 2 vuqikr ¼vkjMCY;w, ds ix) Tier 2 Ratio (Tier 2 capital as 2.81% 2.77%
ix) 2.81% 2.77%
çfr'kr ds :i esa Vh;j 2 iwt
a h½ a percentage of RWAs)
iwath ls tksf[ke Hkkfjr vkfLr;ksa dk Capital to Risk Weighted
x) vuqikr ¼lhvkj,vkj½ ¼vkjMCY;w, 15.50% 14.50% x) Assets Ratio (CRAR) (Total 15.50% 14.50%
Capital as a percentage of
ds çfr'kr ds :i esa dqy iwath½
RWAs)
xi) yhojst vuqikr 4.75% 4.27% xi) 4.75% 4.27%
Leverage Ratio
Hkkjr ljdkj dh 'ks;jèkkfjrk dk
xii) 73.15% 73.15% Percentage of the
çfr'kr xii) shareholding of Government 73.15% 73.15%
o"kZ ds nkSjku tqVkbZ xbZ çnÙk of India
xiii) 'kwU; 1793.05*
bfDoVh iwath dh jkf'k xiii) Amount of paid-up equity Nil 1793.05*
o"kZ ds nkSjku tqVkbZ xbZ capital raised during the Year
xSj&bfDoVh fV;j 1 iwath dh Amount of non-equity Tier 1
jkf'k] capital raised during the Year,
of which: 4214.00 3971.00
ftlesa% 4214.00
xiv) a) Basel III compliant
,½ csly III vuq:i lrr 3971.00 xiv)
'kwU;
Perpetual Non-Cumulative
xSj&lap;h vf/kekuh 'ks;j] Preference Shares, NIL NIL
'kwU;
ch½ csly III vuq:i] LFkkbZ _.k b) Basel III compliant,
fy[kr 4214.00 3971.00 Perpetual Debt Instruments 4214.00 3971.00
31-03-2023 dks lekIr o"kZ ds Amount of Tier 2 capital
nkSjku tqVkbZ xbZ fV;j 2 iwath raised during the Year, ended
dh jkf'k] ftlesa ls csly III ds 4000.00 31.03.2023, of which Basel III
1919.00 4000.00 1919.00
vuq:i% compliant:
,½ Vh;j 2 iwath ds :i esa _.k a) Debt Capital Instruments as 4000.00 1919.00
xv) 4000.00 1919.00 Tier 2 Capital
iwath fy[kr xv)
'kwU; 'kwU; b) Perpetual Cumulative
ch½ lrr lap;h vf/kekuh 'ks;j Preference Shares NIL NIL
lh½ çfrns; xSj&lap;h vf/kekuh 'kwU; 'kwU; c) Redeemable Non-
'ks;j Cumulative Preference NIL NIL
'kwU; 'kwU; Shares
Mh½ çfrns; lap;h ojh;rk 'ks;j
d) Redeemable Cumulative NIL NIL
¼*D;wvkbZih ds ekè;e ls Preference Shares
(* Through QIP
31-03-2022 dks lekIr o"kZ ds nkSjku cSad us Hkkjrh; çfrHkwfr vkSj During the year ended 31.03.2022 Bank had issued
fofue; cksMZ ¼iwath fuxZeu vkSj çdVhdj.k vis{kk,a tkjh djuk½ 53,33,33,333 equity shares having Face Value of Rs.2 each
fofu;e] 2018] ds çkoèkkuksa ds vuqlkj] ebZ 2021 esa vfgZr laLFkkxr Institutional Placement (QIP), in May 2021, in accordance
LFkkuu ¼D;wvkbZih½ ds vuqlkj ;ksX; ik= [kjhnkjksa dks udn ds fy,] with the provisions of Securities & Exchange Board of India
;Fkkla'kksfèkr] 31-75 çfr'ks;j ds çhfe;e ij dqy 1]800-00 djksM+ (Issue of Capital and Disclosure Requirements) Regulations,
ds çfr 2 ds vafdr ewY; okys 53]33]33]333 bfDoVh 'ks;j tkjh fd,
gSAa blds ifj.kkeLo:i tkjh vkSj pqdrk bfDoVh 'ks;j iwta h esa 106-67
of Rs.106.67 Crore in the issued and paid up Equity Share
djksM+ vkSj 'ks;j çhfe;e [kkrs esa 1]686-38 djksM+ ¼fuxZe O;; dk
fuoy½ dh o`f) gqbZ gSA Share Premium Account).
uksV% lhbZVh I iwath esa 9268-29 djksM+ lekesyu fufèk;ka 'kkfey

gSAa Crore.
RBI vide circular no. DOR.No.CAP.REC.3/21.06.201/2022-23

vkjchvkbZ us ifji= la[;k DOR.No.CAP.
dated 1st April, 2022 has given discretion to banks to consider
REC.3è21.06.201è2022-23 fnukad 1 vçSy] 2022 ds ekè;e ls Revaluation Reserve, Foreign Currency Translation Reserve
lhbZVh&1 iwath vuqikr ds :i esa iwt a h i;kZIrrk vuqikr dh x.kuk ds and Deferred Tax Asset for purpose of computation of Capital
mís'; ls cSd
a ksa dks iquewYZ ;kadu fjtoZ] fons'kh eqæk Vªkl
a ys'ku fjtoZ vkSj Adequacy as CET-1 capital ratio. The Bank has exercised the
vkLFkfxr dj vkfLr ij fopkj djus dk foosdkfèkdkj fn;k gSA cSd a us option in the above computation.
mijksä x.kuk esa fodYi dk ç;ksx fd;k gSA 1. b) Draw down from Reserves
Sr. Amount
¼jkf'k djksM esa½ Reserves Purpose
No. drawn
Withdrawal on
Exchange
285.18 account of closure
1. Fluctuation
(4.30) of operation at
Reserve
Hong Kong Branch
,Dlpsat mrk- gkaxdkax 'kk[kk esa
285-18 Revaluation 376.01
Reduction in
1- j&p<+ko vkjf{kr ifjpkyu can gksus 2. carrying cost of
¼4-30½ Reserves (7.18)
fufèk ds dkj.k fudklh revalued property
iquewZY;kafdr laifÙk Dispensation on

0.00
iquewZY;kadu 376-01 3. Other Reserves
(1028.95)
Fraud reported
2- dh ogu ykxr esa accounts
vkjf{kr fufèk;ka ¼7-18½
deh
èkks[kkèkM+h dh fjiksVZ
vU; vjf{kr 0-00
3- fd, x, [kkrksa ij
fufèk;ka ¼1028-95½
fj;k;r
¼jkf'k djksM esa½
Deposits Advance Borrowings Foreign Currency Foreign Currency

Investments
assests
1 fnu 13519.24 9979.58 0.00 977.62 11891.37 34928.02
(14555.40) (2209.26) (0.00) (5622.46) (8886.62) (1508.48)
2 ls 7 fnu 26725.83 14502.50 1026.87 780.65 4268.95 3853.94
(25946.99) (17764.11) (943.37) (0.31) (2733.67) (2024.12)
8 ls 14 fnu 25535.79 14875.09 2588.48 629.81 2188.94 1840.57
(11054.33) (7989.58) (289.68) (192.94) (2712.47) (1302.17)
15 ls 30 fnu 46173.15 70595.39 2110.34 1643.40 4693.79 6088.86
(15387.37) (25184.83) (793.53) (29.41) (4013.43) (790.03)
31 fnu ls 2 ekg 40611.38 48231.89 4646.06 1168.67 11128.81 10476.81
(35843.86) (33294.94) (937.28) (1506.98) (12715.05) (11840.79)
2 ekg ls vfèkd vkSj 3 37209.54 44123.99 1694.28 1886.67 5410.40 7012.05

ekg rd
(32754.19) (48216.30) (962.71) (195.95) (1752.82) (4709.84)
3 ekg ls vfèkd vkSj 6 68095.19 59038.95 2198.18 1275.63 10504.41 7216.06

ekg rd
(59117.68) (23407.53) (7864.17) (763.75) (14013.11) (3128.37)
6 ekg ls vfèkd vkSj 1 106622.66 55635.62 9592.29 5960.44 10998.42 7372.68

o"kZ rd
(73490.83) (53213.06) (12422.43) (2379.20) (3550.94) (1542.00)
1 o"kZ ls vfèkd vkSj 3 164915.71 170774.92 33549.94 15153.45 19260.06 12588.81

o"kZ rd
(145582.01) (122876.22) (29161.45) (13422.28) (15991.13) (12284.83)
3 ls vfèkd vkSj 5 o"kZ 392696.69 222016.97 54102.41 17.47 13796.90 5875.23

rd
(384455.83) (276319.46) (51322.61) (5325.06) (15908.45) (6717.89)
5 o"kZ ls vfèkd 359057.92 121059.08 293921.72 21797.92 2012.79 2283.10
(348029.96) (117710.39) (274695.83) (16243.07) (2165.00) (2757.34)
1281163.11 830833.98 405430.57 51291.73 96154.84 99536.14
(1146218.45) (728185.68) (379393.06) (45681.41) (84442.69) (48605.86)

2. Asset liability management
2. a) Maturity Pattern of certain items of assets and liabilities
Foreign Foreign
Investments
Deposits Advances Borrowings Currency Currency
(Gross)
assets liabilities
Day 1 13519.24 9979.58 0.00 977.62 11891.37 34928.02
(14555.40) (2209.26) (0.00) (5622.46) (8886.62) (1508.48)

2 to 7 days 26725.83 14502.50 1026.87 780.65 4268.95 3853.94
(25946.99) (17764.11) (943.37) (0.31) (2733.67) (2024.12)

8 to 14 days 25535.79 14875.09 2588.48 629.81 2188.94 1840.57
(11054.33) (7989.58) (289.68) (192.94) (2712.47) (1302.17)

15 to 30 Days 46173.15 70595.39 2110.34 1643.40 4693.79 6088.86
(15387.37) (25184.83) (793.53) (29.41) (4013.43) (790.03)

31 days to 2 months 40611.38 48231.89 4646.06 1168.67 11128.81 10476.81
(35843.86) (33294.94) (937.28) (1506.98) (12715.05) (11840.79)

Over 2 months and to 37209.54 44123.99 1694.28 1886.67 5410.40 7012.05
3 months
(32754.19) (48216.30) (962.71) (195.95) (1752.82) (4709.84)
Over 3 months and 68095.19 59038.95 2198.18 1275.63 10504.41 7216.06

up to 6 Months
(59117.68) (23407.53) (7864.17) (763.75) (14013.11) (3128.37)
Over 6 months and 106622.66 55635.62 9592.29 5960.44 10998.42 7372.68

up to 1 year
(73490.83) (53213.06) (12422.43) (2379.20) (3550.94) (1542.00)
Over 1 year and up to 164915.71 170774.92 33549.94 15153.45 19260.06 12588.81
3 years
(145582.01) (122876.22) (29161.45) (13422.28) (15991.13) (12284.83)
Over 3 years and up 392696.69 222016.97 54102.41 17.47 13796.90 5875.23

to 5 years
(384455.83) (276319.46) (51322.61) (5325.06) (15908.45) (6717.89)
Over 5 years 359057.92 121059.08 293921.72 21797.92 2012.79 2283.10
(348029.96) (117710.39) (274695.83) (16243.07) (2165.00) (2757.34)

Total 1281163.11 830833.98 405430.57 51291.73 96154.84 99536.14
(1146218.45) (728185.68) (379393.06) (45681.41) (84442.69) (48605.86)

2 b) Liquidity coverage ratio (LCR)
QUALITATIVE DISCLOSURE ON LIQUIDITY COVERAGE
RATIO
cSad us 1 tuojh] 2015 ls pyfufèk dojst vuqikr ¼,ylhvkj½ ij The bank has implemented RBI guidelines on Liquidity
vkjchvkbZ ds fn'kkfunsZ'kksa dk fØ;kUo;u fd;k gSA Coverage Ratio (LCR) from 1st January 2015.
,ylhvkj ekud dk mís'; ;g lqfuf'pr djuk gS fd cSad ds ikl The LCR standard aims to ensure that a bank maintains an
i;kZIr ek=k esa Hkkj jfgr mPp xq.koÙkk iw.kZ pyfufèk vkfLr;ka jgh adequate level of unencumbered High Quality Liquid Assets
ftlls fd pyfufèk nckoxzLr ifj–'; ds varxZr 30 fnuksa ds fy, (HQLAs) that can be readily converted into cash at little/no
pyfufèk vko';drk dks iw.kZ djus ds fy, de gkfu ij@fcuk fdlh loss of value to meet its liquidity needs for a 30 calendar day
gkfu ds igqpkars gq, vklkuh ls udnh esa ifjofrZr fd;k tk ldsA time horizon under a liquidity stress scenario.
LCR has two components:

i- mPp xq.koÙkk iw.kZ pyfufèk vkfLr;ksa ds LV‚d dk ewY; i. The value of the stock of High Quality Liquid Assets
¼,pD;w,y,½ &n U;wejsVjA (HQLA)–The Numerator.
ii- dqy fuoy udnh çokg% 30 fnuksa ds fy, ncko ifj–'; esa dqy
vuqekfur udnh dk cfgxZeu ?kVko dqy vuqekfur udnh dk
the subsequent 30 calendar days - The denominator.
vkxeu ¼bu¶yks½ & n fMuksfeusVj
Stock of high quality liquid assets (HQLAs) 100% (w.e.f

mPp xq.korkiw.kZ pyfufèk vkfLr;ksa dk 100% Total net ca 01.04.2021)
LV‚d ¼,pD;w,y,,l½ ¼01-04-2021ls
vxys 30 fnuksa ds i'pkr~ dqy çHkkoh½
'kq) udnh cfgxZeu The LCR requirement has become binding on the banks with
the following minimum required level as per the time-line
uhps fn, U;wure vko';d Lrj dh le; lhek ds lkFk cSd
a ij given below:
,ylhvkj dh vko';drk ,d ckè;rk cu xbZ gS%
Jan 1, Jan 1, Jan 1, Jan 1, Jan 1,
2015 2016 2017 2018 2019
Minimum LCR 60% 70% 80% 90% 100%
U;wure 60% 70% 80% 90% 100% For Q4 FY’2022-23, the daily average LCR was 162.29% (based
,ylh-
vkj as against the regulatory requirement of 100%.
foÙkh; o"kZ 2022&23 dh prqFkZ frekgh ds fy,] 100% fofu;ked The main drivers of LCR of the bank are High Quality Liquid
vis{kkvksa ds lesfdr Lrj ij nSfud vkSlr ,ylhvkj 162-29% ¼nSfud
voyksduksa ds lkèkkj.k vkSlr ij vkèkkfjr½ jgkA
cSd
a ds ,ylhvkj dk eq[; ?kVd] i;kZIr mPp xq.koÙkk iw.kZ pyfufèk
vkfLr;ka gSa ¼,pD;wl,y,½ ftlls gj le; cSd a dh pyfufèk
vko';drkvksa dks iwjk fd;k tk lds rFkk [kqnjk ,oa NksVs dkjksckjh
xzkgdksa dks cqfu;knh foÙkiks"k.k fd;k tk ldsA cSd
a ds dqy tek lafoHkkx
dk yxHkx 67-18% [kqnjk vkSj NksVs dkjksckjh xzkgd ;ksxnku djrs gSa
tks 31-03-2023 dks 5@10% dk yks ju v‚Q QSDVj vkdf"kZr djrk gSA are further divided into Level 2A and Level 2B assets, keeping
,pD;w,y, esa Lrj 1 o Lrj 2 vkfLr;ka lekfo"V gSaA Lrj 2 vkfLr;ksa

dks mudh cktkj {kerk vkSj dher vfLFkjrk dks è;ku esa j[krs gq,
Lrj 2, ,oa Lrj 2 ch esa foHkkftr fd;k x;k gSA
Lrj 1 & vkfLr;ka os vkfLr;ka gSa tks mPpçokgh gSAa 31 ekpZ] 2023 dks
lekIr frekgh ds fy, Lrj 1 vkfLr;ksa esa gkFk esa udnh] vfèkd lh-
vkjvkj dk] U;wure ,l,yvkj ls vfèkd ljdkjh çfrHkwfr;k¡] fons'kh
l‚ojsu }kjk tkjh ;k xkjaVh çnÙk foi.ku ;ksX; çfrHkwfr;k¡,e,l,Q o
,Q,,y,ylhvkj ftudk ewY; 286489-39 djksM+ ¼nSfud voyksduksa
ds lkèkkj.k vkSlr ij vkèkkfjr½ gSA is given hereunder:
Lrj 2, o 2ch os vkfLr;ka gSa tks U;w~u çokgh gSa vkSj ftudh Hkkj jkf'k
8772-41 djksM+ ¼nSfud voyksduksa ds lkèkkj.k vkSlr ij vkèkkfjr½ High Quality Liquid Assets Average %age
(HQLAs) contribution to
gSA ekpZ] 2023 dks lekIr frekgh ds nkSjku nSfud voyksdu vkSlr
HQLA
,pD;w,y, dk vyx& vyx fooj.k fuEukuqlkj fn;k x;k gS%
Level 1 Assets
% Cash in hand 3.06%
Excess CRR balance 0.54%
Government Securities in excess 24.31%
gkFk esa uxnh 3-06% of minimum SLR requirement
Government securities within the 7.60%
vfrfjä lhvkjvkj 'ks"k 0-54% mandatory SLR requirement, to
vko';d U;wure ,l,yvkj ds vfrfjä 24-31% the extent allowed by RBI under
ljdkjh çfrHkwfr;k¡ MSF (presently to the extent of 2
vfuok;Z vko';drkvksa ,l,yvkj ds 7-60% per cent of NDTL)
Hkhrj ljdkjh çfrHkwfr;k¡ ,e,l,Q Marketable securities issued or 0.77%
ds varxZr vkjchvkbZ }kjk ¼orZeku esa guaranteed by foreign sovereigns
,uMhVh,y dk 3 çfr'kr dh lhek rd½ having 0% risk-weight under Basel
Loh—r lhek rd II Standardized Approach
csly II ekudh—r –f"Vdks.k ds varxZ 0% 0-77% Facility to avail Liquidity for 60.75%
tksf[ke Hkkj okyh fons'kh Lok;rksa }kjk tkjh Liquidity Coverage Ratio –
;k xkjaVh dh xbZ foi.ku;ksX; çfrHkwfr;k¡ FALLCR (presently to the extent of
pyfufèk dojst vuqikr ds fy, 60-75% 16 per cent of NDTL)
pyfufèk ysus dh lqfoèkk & ,Q,y,lh Total Level 1 Assets 97.03%
vkjvkj ¼orZeku esa ,yMhVh,y ds 16%
rd½ Total Level 2A Assets 2.85%
dqy Lrj 1 vkfLr;k¡ 97-03% Total Level 2B Assets 0.12%

Total Stock of HQLAs 100.00%
dqy Lrj 2, vkfLr;k¡ 2-85%
dqy Lrj 2ch vkfLr;k¡ 0-12%
,pD;w,y, dk dqy LVkd 100-00%
bl eSfVªd esa mu fufèk;ksa ds lzksrksa ftudk vkgj.k pyfufèk tksf[keksa

ds vèkhu gS] 'kkfey gSA bldk mís'; çR;sd egRoiw.kZ çfri{k vkSj
çR;sd eºRoiw.kZ mRikn@fy[kr ls visf{kr blds fuèkh;u dh fux-
jkuh }kjk cSad ds fuèkh;u ladsUæ.k dks O;ä djuk gS] Hkkjrh; fjtoZ
cSad ds fn'kkfunsZ'kksa ds vuqlkj ÞegRoiw.kZ çfri{k@fy[kr@mRiknß
dks ,dy çfri{k fy[kr@mRikn ;k cSad ds dqy nkf;Ro dk 1% ls
vfèkd nkf;Ro okys çfri{kh ls tqM+s ;k lEc) lewg ds #i esa ifjHk- 4.66% of bank’s total Deposit as on Mar 31, 2023. The
kf"kr fd;k x;k gSA
31-03-2023 rd cSad ds ikl dksbZ egRoiw.kZ çfri{k ¼tek @mèkkj½
ugha gSA cSd
a ds 'kh"kZ 20 tekdrkZvksa dk 31 ekpZ] 2023 rd cSd
a dh dqy bank.
ns;rk dk 4-66% gSA egRoiw.kZ mRikn @ lkèku esa cpr fufèk] pkyw
tekjkf'k] vkSj LFkk;h fe;knh tekjkf'k 'kkfey gS tks fd O;kid :i
ls QSyk gqvk gS vkSj cSd a ds fy, ladsUæ.k tksf[ke dks l`ftr ugha
dj ldrk gSA
cSd
a ds ikl O;qRiUu esa de ,Dlikstj gS] tks fd pyfufèk rjyrk ij dksbZ
egRoiw.kZ çHkko ugha Mkyrk gSA
Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj] eqæk egRoiw.kZ ekuh

tkrh gS ;fn ml eqæk dh dqyns;rk cSad dh dqyns;rk dk 5 çfr'kr
;k blls vfèkd gSA gekjs ekeys esa] bl ekud ij dsoy ;w,lMh ¼cSd a
dh dqy ns;rkvksa dk 18-11%½ vkrh gS ftldk ,ylhvkj gksfjtu
esa dqy cká çokg ij çHkko çcafèkr fd;k tk ldrk gS D;ksafd cSad
ds rqyu i= ds vkdkj dks ns[krs gq, bldk çHkko cgqr gh de gSA
as a whole in the stress period.
lewg bdkb;ka Lo;a rjyrk dk çcaèku dj jgh gSaA cSad us ruko dh

vofèk esa lewg dh rjyrk dh vko';drk dk è;ku j[kus ds fy, ,d
lewg&O;kih vkdfLed fufèk ;kstuk cukbZ gSA
¼jkf'k djksM esa½
* * * * * * * * * *
1
295254-95 283378-99 276290-74 279152-04 300318-26
2
840710-12 79289-81 811881-31 76438-07 800216-92 75312-13 797575-41 74999-50 786357-93 73859-96
(i) 95624-11 4781-21 95001-14 4750-06 94191-31 4709-57 95575-63 4777-41 95516-71 4775-84
(ii) 745086-01 74508-60 716880-17 71688-01 706025-61 70602-56 701999-78 70222-09 690841-22 69084-12
3
(i) 0 0 0 0 0 0 0 0 0 0
(ii) 240162-41 129990-16 242188-12 128625-84 211104-69 110201-77 211697-34 108487-91 208070-77 104212-60
(iii) 0 0 0-01 0 0 0 0 0 0 0
4 0 0 0 0 0
5
(i)
221-62 221-62 323-98 323-98 207-22 207-22 1639-11 1660-79 365-17 365-17
(ii) 0 0 0 0 0 0 0 0 0 0
(iii) 52019-69 5628-41 85319-54 6744-09 101380-93 8154-69 90480-37 7388-38 96252-62 7394-63
6 0 0 0 0 0 0 0 0 0 0
7
143739-79 8085-79 93552-55 5164-3 85419-4 4039-31 90938-13 3222-87 87198-33 3063-73
9
3146-27 0 1002-37 0 3471-56 0 16860-69 0 35530-75 0
10 40858-69 33053-53 35689-8 30016-55 29710-43 24629-77 28632-03 23909-35 26408-4 22641-9
11 8228-79 8228-79 7974-39 7974-39 4924-95 4924-95 3222-76 2737-25 2969-37 2969-37
12
13 295254-95 283378-99 276290-74 279152-04 300318-26
14 181933-47 179305-34 168360-40 169112-85 163284-82
15
% 162-29 158-04 164-11 165-07 183-92
*fiNyh frekgh dh rqyuk esa nSfud çs{k.kksa dk lkekU; vkSlrA

QUANTITATIVE DISCLOSURE ON LIQUIDITY COVERAGE RATIO
Quarter Ended Quarter Ended December' Quarter Ended Quarter Ended
Quarter Ended June' 22
March' 23 22 September' 22 March' 22
Total Total Total Total Total Total Total Total Total Total
Unweighted Weighted Unweighted Weighted Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Value Value Value Value Value Value Value Value Value
(average)* (average)* (average)* (average)* (average)* (average)* (average)* (average)* (average)* (average)*
Based on the simple

average of daily 63 Data Points 62 Data Points 65 Data Points 63 Data Points 62 Data Points
observations
High Quality Liquid Assets
Total High Quality

1 Liquid Assets 295254.95 283378.99 276290.74 279152.04 300318.26
(HQLA)
Retail deposits and

deposits from small
2 840710.12 79289.81 811881.31 76438.07 800216.92 75312.13 797575.41 74999.50 786357.93 73859.96
business customers
of which :
(i) Stable deposits 95624.11 4781.21 95001.14 4750.06 94191.31 4709.57 95575.63 4777.41 95516.71 4775.84
(ii) Less stable deposits 745086.01 74508.60 716880.17 71688.01 706025.61 70602.56 701999.78 70222.09 690841.22 69084.12
Unsecured wholesale
3 240162.41 129990.16 242188.13 128625.84 211104.69 110201.77 211697.34 108487.91 208070.77 104212.60
funding, of which:
Operational deposits
(i) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(all counterparties)
Non-operational
(ii) deposits (all 240162.41 129990.16 242188.12 128625.84 211104.69 110201.77 211697.34 108487.91 208070.77 104212.60
counterparties)
(iii) Unsecured debt 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Secured wholesale
4 0.00 0.00 0.00 0.00 0.00
funding
Additional
5 requirements, of 52241.31 5850.03 85643.52 7068.07 101588.15 8361.91 92119.48 9049.17 96617.79 7759.80
which
derivative exposures
(i) 221.62 221.62 323.98 323.98 207.22 207.22 1639.11 1660.79 365.17 365.17
and other collateral
requirements
(ii) loss of funding on 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
debt products
Credit and liquidity

(iii) 52019.69 5628.41 85319.54 6744.09 101380.93 8154.69 90480.37 7388.38 96252.62 7394.63
facilities
Other contractual
6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
funding obligations
Other contingent
7 143739.79 8085.79 93552.55 5164.3 85419.4 4039.31 90938.13 3222.87 87198.33 3063.73
funding obligations
8 223215.79 217296.28 197915.12 195759.45 188896.09
Secured lending (e.g.

9 3146.27 0.00 1002.37 0.00 3471.56 0.00 16860.69 0.00 35530.75 0.00
reverse repos)
10 fully performing 40858.69 33053.53 35689.8 30016.55 29710.43 24629.77 28632.03 23909.35 26408.4 22641.9
exposures
11 8228.79 8228.79 7974.39 7974.39 4924.95 4924.95 3222.76 2737.25 2969.37 2969.37
12 52233.75 41282.32 44666.56 37990.94 38106.94 29554.72 48715.48 26646.6 64908.52 25611.27
13 TOTAL HQLA 295254.95 283378.99 276290.74 279152.04 300318.26
Total Net Cash

14 181933.47 179305.34 168360.40 169112.85 163284.82
Liquidity Coverage
15 162.29 158.04 164.11 165.07 183.92
Ratio (%)
* Simple averages of Daily observations over previous quarter.

fuoy fLFkj fufèk;u vuqikr ¼,u,l,Qvkj½ vkSj pyfufèk dojst vuqikr ¼,ylhvkj½ cklsy III lqèkkjksa ds egRoiw.kZ ?kVd gSaA cSad
dh pyfufèk çksQkby ds vYidkfyd yphysiu dks c<+kok nsus okys ,ylhvkj fn'kkfunsZ'k 9 twu] 2014 ds ifji= MhchvksMh-chih-chlh-
la-120@21-04-098@2013&14 ds ekè;e ls tkjh fd, x, gSaA
Hkkjrh; lanHkZ es]a ,u,l,Qvkj ds fn'kkfunsZ'k 1 vDVwcj] 2021 ls çHkkoh FksA ,u,l,Qvkj dks vko';d fLFkj fufèk;u dh jkf'k ds lkis{k
miyCèk fLFkj fufèk;u dh jkf'k ds :i esa ifjHkkf"kr fd;k x;k gSA ^miyCèk fLFkj fufèk;u*¼,,l,Q½ dks iwath vkSj nsunkfj;ksa ds fgLls ds :i
esa ifjHkkf"kr fd;k x;k gS tks ,u,l,Qvkj }kjk fuèkkZfjr fd, x, le; f{kfrt ij fo'oluh; gksus dh mEehn gS] tks ,d o"kZ rd çnku dh
tkrh gSA fdlh fof'k"V laLFkku ds fy, vko';d fLFkj fufèk;u ¼^vko';d fLFkj fufèk;u*½¼vkj,l,Q½ dh jkf'k ml laLFkk }kjk èkkfjr fofHkUu
ifjlaifÙk;ksa dh pyfufèk fo'ks"krkvksa vkSj vof'k"V ifjiDorkvksa ds lkFk&lkFk bldh rqyui=srj ¼vksch,l½ ,Dlikstj dk ,d dk;Z gSA fofHkUu
Jsf.k;ksa dh ns;rkvksa ¼vFkkZr tek] vlqjf{kr vkSj lqjf{kr Fkksd mèkkj½] vukgfjr çfrc)rkvksa] O;qRiUuh&lacafèkr ,Dlikstj] vkSj mlh vofèk ds
Hkhrj ifjiDo gksus okyh ifjlaifÙk;ksa ls fudyus okys varokZg ds lkFk v‚QlsV ds fy, rukoxzLr ifj–';ksa ds fy, ju&v‚Q dkjd vkjchvkbZ
}kjk fuèkkZfjr fd, tkrs gSaA
%
miyCèk fLFkj fufèk;u ¼,,l,Q½ eq[; :i ls vkjchvkbZ }kjk fuèkkZfjr cklsy III iwath i;kZIrrk fn'kkfuns'Z kksa vkSj [kqnjk xzkgdksa] NksVs O;olk;
xzkgdksa vkSj xSj&foÙkh; d‚jiksjsV xzkgdksa ls çkIr tek jkf'k;ksa ds vuqlkj dqy fu;ked iwath }kjk lapkfyr gksrk gSA vko';d fLFkj
fufèk;u¼vkj,l,Q½ ds rgr] çkFkfed lapkyd ,d o"kZ ;k mlls vfèkd dh vof'k"V ifjiDork ds lkFk _.k eqä çn'kZu dj jgs gSaA
< < < <

< <
1 iwath% ¼2+3½ 111138 0 0 29261 140398 99865 0 0 27760 127625

2 fofu;ked iwath 111138 0 0 23230 134367 99865 0 0 23486 123351
3 vU; iwath fy[kr 0 0 0 6031 6031 0 0 0 4274 4274
4 NksVs O;olk; ds xzkgdksa ls 441613 30249 158713 316906 887185 435526 30099 199429 268938 870528
[kqnjk tek vkSj tek% ¼5++6½
5 fLFkj tek 47682 4186 15440 31577 95554 48924 4596 19738 105664 175228
6 de fLFkj tek 393931 26063 143273 285328 791631 386601 25503 179691 163274 695300
7 Fkksd foÙkiks"k.k% ¼8+9½ 96403 101179 67114 97054 229368 81006 71411 76272 65092 144870
8 ifjpkyu tek 0 0 0 0 0 0 0 0 0 0
9 vU; Fkksd foÙkiks"k.k 96403 101179 67114 97054 229368 81006 71411 76272 65092 144870
10 vU; ns;rk,a: ¼11+12½ 31073 8554 51 5 0 34612 40489 22 52165 7365
11 ,u,l,Qvkj O;qRiUu nsunk- 0 0 5 6 0 0
fj;ka
or more.
QUANTITATIVE DISCLOSURE ON NET STABLE FUNDING RATIO
Consolidated
NSFR Disclosure
31.03.2023 31.12.2022
as on
Unweighted value by residual Weighted Unweighted value by residual
maturity value maturity
No <6 6 months No <6 6 months Weighted
maturity months to < 1yr maturity months to < 1yr value
ASF Item
1 Capital: (2+3) 111138 0 0 29261 140398 99865 0 0 27760 127625
2 Regulatory capital 111138 0 0 23230 134367 99865 0 0 23486 123351
Other capital
3 0 0 0 6031 6031 0 0 0 4274 4274
instruments
Retail deposits
and deposits from
4 441613 30249 158713 316906 887185 435526 30099 199429 870528
small business
customers: (5+6)
5 Stable deposits 47682 4186 15440 31577 95554 48924 4596 19738 175228
Less stable
6 393931 26063 143273 285328 791631 386601 25503 179691 695300
deposits
Wholesale funding:
7 96403 101179 67114 97054 229368 81006 71411 76272 65092 144870
(8+9)
Operational
8 0 0 0 0 0 0 0 0 0 0
deposits
Other wholesale
9 96403 101179 67114 97054 229368 81006 71411 76272 65092 144870
funding
Other liabilities:
10 31073 8554 51 5 0 34612 40489 22 52165 7365
(11+12)
< < < <
< <
12 vU; lHkh ns;rk,a vkSj bfDoVh 31073 8554 51 0 0 34612 40483 22 52165 7365
tks mijksä Jsf.k;ksa esa 'kkfey
ugha gSa
13 1+4+7+10
14 dqy ,u,l,Qvkj mPp 17331 15533

xq.koÙkk okyh rjy laifÙk
¼,pD;w,y,½
15 ifjpkyu mís';ksa ds fy, vU; 13523 30 0 0 6776 10654 21 0 0 4955
foÙkh; laLFkkuksa esa tekjkf'k;ka
16 fu"ikfnr _.k vkSj çfrHkwfr;k 9370 95536 55367 724258 704935 9370 72043 43537 664045 674847
¼17+18+19+21+23½
17 Lrj 1 ,pD;w,y, }kjk lq- 0 23690 0 0 2369 0 865 310 0 241

jf{kr foÙkh; laLFkkuksa dks _.k
nsuk
18 xSj&Lrj 1 ,pD;w,y, }kjk 0 40608 11377 139008 150788 0 28516 5813 89423 96607
izfrHkwr foÙkh; laLFkkuksa ds fy,
dk;Z'khy _.k vkSj foÙkh;
laLFkkuksa ds fy, vizfrHkwr
dk;Z'khy _.k
19 xSj&foÙkh; d‚iksZjsV xzkgdksa 0 24263 34703 410472 415793 0 34934 29841 410472 430725
ds fy, dk;Z'khy _.k] [kqnjk
vkSj y?kq O;olk; xzkgdksa dks
_.k nsuk] vkSj laçHkq] dsaæh;
cSadksa vkSj lkoZtfud miØeksa
dks _.k nsuk] ftuesa ls:
20 _.k tksf[ke ds fy, csly II 0 10695 14738 238618 167818 0 15062 11811 252441 177522
ekudh—r –f"Vdks.k ds rgr
35% ls de ;k mlds cjkcj
ds tksf[ke Hkkj ds lkFk
21 dk;Z'khy vkoklh; caèkd] 0 3273 4999 84204 61853 0 4026 3286 73576 54198
ftuesa ls%
Consolidated
NSFR Disclosure
31.03.2023 31.12.2022
as on
NSFR derivative
11 0 0 5 6 0 0
liabilities
All other liabilities
and equity not
12 31073 8554 51 0 0 34612 40483 22 52165 7365
included in the
above categories
Total ASF
13 1256951 1150387
(1+4+7+10)
RSF Item
Total NSFR high-
14 quality liquid assets 17331 15533
(HQLA)
Deposits held at
15 institutions for 13523 30 0 0 6776 10654 21 0 0 4955

operational
purposes
Performing loans
16 and securities: 9370 95536 55367 724258 704935 9370 72043 43537 674847
(17+18+19+21+23)
Performing loans to
17 0 23690 0 0 2369 0 865 310 0 241
secured by Level 1
HQLA
Performing loans to
secured by non-
18 Level 1 HQLA 0 40608 11377 139008 150788 0 28516 5813 89423 96607
and unsecured
performing loans to
Performing loans
corporate clients,
loans to retail and
19 small business 0 24263 34703 410472 415793 0 34934 29841 430725
customers, and
loans to sovereigns,
central banks, and
PSEs, of which:
With a risk weight
of less than or
equal to 35%
20 under the Basel 0 10695 14738 238618 167818 0 15062 11811 177522
II Standardised
Approach for credit
risk
Performing
residential
21 0 3273 4999 84204 61853 0 4026 3286 73576 54198
mortgages, of
which:
With a risk weight
of less than or
equal to 35%
22 under the Basel 0 2735 4178 70581 49594 0 3343 2729 61323 43163
II Standardised
Approach for credit
risk
< < < <
< <
23 çfrHkwfr;ka tks fMQ‚YV :i ls 9370 3702 4288 90574 74132 9370 3702 4288 90574 93075
ugha gSa vkSj ,Dlpsat&VªsMsM bf-
DoVh lfgr ,pD;w,y, ds :i
esa ;ksX; ugha gSa
24 vU; laifÙk;ka% ¼25 ls 29 83660 492 14 29066 109698 122744 511 19 70701 126108
iafä;ksa dk ;ksx½
25 lksus lfgr HkkSfrd O;kikj 0 0 0 0 0 0 0 0 0 0
okyh oLrq,a
26 O;qRiUu vuqcaèkksa ds fy, çkjafH- 338 0 0 0 287 338 0 0 0 287
kd ekftZu ds :i esa iksLV dh
xbZ laifÙk;ka vkSj lhlhih ds
fMQ‚YV QaM esa ;ksxnku
27 ,u,l,Qvkj O;qRiUu vkfLr;ka 5 0 0 0 6 3 0 0 0 3
28 iksLV fd, x, fHkUurk ek- 42 0 0 0 42 46 0 0 0 46
ftZu dh dVkSrh ls igys
,u,l,Qvkj O;qRiUu ns;rk,a
29 vU; lHkh vkfLr;ka mijksä 83275 492 14 29065 109364 122357 511 19 70701 125772
Jsf.k;ksa esa 'kkfey ugha gSa
30 rqyui=ksÙkj en 0 820 42051 60084 3946 0 710 16837 51935 2435
< <
< <
1 iwath% ¼2+3½ 99982 0 0 25347 125329 99267 1500 0 26287 127053

2 fofu;ked iwath 99982 0 0 19729 119710 99267 1500 0 17804 118570
3 vU; iwath fy[kr 0 0 0 5619 5619 0 0 0 8483 8483
4 NksVs O;olk; ds xzkgdksa ls 443201 30771 228402 231313 866841 434847 31030 237147 209786 846316
[kqnjk tek vkSj tek% ¼5+6½
5 fLFkj tek 51850 4763 23317 96070 172035 50706 11799 92140 89591 165139
Consolidated
NSFR Disclosure
31.03.2023 31.12.2022
as on
Securities that are
not in default and
do not qualify as
23 9370 3702 4288 90574 74132 9370 3702 4288 90574 93075
HQLA, including
exchange- traded
equities
Other assets: (sum
24 83660 492 14 29066 109698 122744 511 19 70701 126108
of rows 25 to 29)
Physical traded
25 commodities, 0 0 0 0 0 0 0 0 0 0
including gold
Assets posted as
initial margin for
derivative contracts
26 338 0 0 0 287 338 0 0 0 287
and contributions
to default funds of
CCPs
NSFR derivative
27 5 0 0 0 6 3 0 0 0 3
assets
NSFR derivative
liabilities before
28 deduction of 42 0 0 0 42 46 0 0 0 46
variation margin
posted
All other assets
29 not included in the 83275 492 14 29065 109364 122357 511 19 70701 125772
above categories
30 0 820 42051 60084 3946 0 710 16837 51935 2435

items
31 Total RSF 842686 823878.53
Net Stable
32 149.16 139.63
Funding Ratio (%)
Consolidated
NSFR Disclosure
30.09.2022 30.06.2022
as on
ASF Item
1 Capital: (2+3) 99982 0 0 25347 125329 99267 1500 0 26287 127053
2 Regulatory capital 99982 0 0 19729 119710 99267 1500 0 17804 118570
Other capital
3 0 0 0 5619 5619 0 0 0 8483 8483
instruments
Retail deposits and
deposits from small
4 443201 30771 228402 231313 866841 434847 31030 237147 209786 846316
business customers:
(5+6)
5 Stable deposits 51850 4763 23317 96070 172035 50706 11799 92140 89591 165139
< <
< <
6 de fLFkj tek 391351 26007 205085 135243 694806 384141 19231 145007 120195 681177
7 Fkksd foÙkiks"k.k: ¼8+9½ 81247 78539 65869 50293 136412 81680 46506 60344 50428 127893
8 ifjpkyu tek 0 0 0 0 0 0 0 0 0 0
9 vU; Fkksd foÙkiks"k.k 81247 78539 65869 50293 136412 81680 46506 60344 50428 127893
10 vU; ns;rk,a% ¼11+12½ 30938 34647 1979 52165 7052 26424 53657 44 52165 2173
11 ,u,l,Qvkj O;qRiUu 8 0 0 6 0 0
nsunkfj;ka
12 vU; lHkh ns;rk,a vkSj bfDoVh 30938 34639 1979 52165 7052 26424 53651 44 52165 2173
tks mijksä Jsf.k;ksa esa 'kkfey
ugha gSa
1+4+7+10
14 dqy ,u,l,Qvkj mPp 15805 14876

xq.koÙkk okyh rjy laifÙk
¼,pD;w,y,½
15 ifjpkyu mís';ksa ds fy, vU; 5661 34 0 0 2847 8633 27 0 0 4330
foÙkh; laLFkkuksa esa tekjkf'k;ka
16 fu"ikfnr _.k vkSj çfrHkwfr;ka% 9370 66819 36474 658339 661046 9371 50337 45634 616810 761107
¼17+18+19+21+23½
17 Lrj 1 ,pD;w,y, }kjk lq- 0 285 204 0 131 0 650 0 0 65
jf{kr foÙkh; laLFkkuksa dks _.k
nsuk
18 xSj&Lrj 1 ,pD;w,y, }kjk 0 27085 6475 87687 94987 0 22180 8769 54727 62439
izfrHkwr foÙkh; laLFkkuksa ds fy,
dk;Z'khy _.k vkSj foÙkh; laLFkkuksa
ds fy, vizfrHkwr dk;Z'khy _.k
19 xSj&foÙkh; d‚iksZjsV xzkgdksa 0 31963 23030 410472 417203 1 18258 24188 410472 548374
ds fy, dk;Z'khy _.k] [kqnjk
vkSj y?kq O;olk; xzkgdksa dks
_.k nsuk] vkSj laçHkq] dsaæh;
cSadksa vkSj lkoZtfud miØeksa
dks _.k nsuk] ftuesa ls%
35% ls de ;k mlds cjkcj ds
tksf[ke Hkkj ds lkFk
21 dk;Z'khy vkoklh; caèkd] 0 3783 2477 69606 50330 0 5547 8389 61037 48720
ftuesa ls%
Consolidated
NSFR Disclosure
30.09.2022 30.06.2022
as on
6 Less stable deposits 391351 26007 205085 135243 694806 384141 19231 145007 120195 681177
Wholesale funding:
7 81247 78539 65869 50293 136412 81680 46506 60344 50428 127893
(8+9)
8 Operational deposits 0 0 0 0 0 0 0 0 0 0
Other wholesale
9 81247 78539 65869 50293 136412 81680 46506 60344 50428 127893
funding
Other liabilities:
10 30938 34647 1979 52165 7052 26424 53657 44 52165 2173
(11+12)
NSFR derivative
11 8 0 0 6 0 0
liabilities
All other liabilities
and equity not
12 30938 34639 1979 52165 7052 26424 53651 44 52165 2173
included in the
above categories
Total ASF
13 1135634 1103436
(1+4+7+10)
RSF Item
Total NSFR high-
14 quality liquid assets 15805 14876
(HQLA)
Deposits held at
15 institutions for 5661 34 0 0 2847 8633 27 0 0 4330

operational
purposes
Performing loans
16 and securities: 9370 66819 36474 658339 661046 9371 50337 45634 616810 761107
(17+18+19+21+23)
Performing loans to
17 0 285 204 0 131 0 650 0 0 65
secured by Level 1
HQLA
Performing loans to
secured by non-
18 Level 1 HQLA 0 27085 6475 87687 94987 0 22180 8769 54727 62439
and unsecured
performing loans to
Performing loans
corporate clients,
loans to retail and
19 small business 0 31963 23030 410472 417203 1 18258 24188 410472 548374
customers, and
loans to sovereigns,
central banks, and
PSEs, of which:
With a risk weight of
less than or equal to
35% under the Basel
20 0 14046 8928 239338 167057 0 7772 9980 297665 263685
II Standardised
Approach for credit
risk
Performing
21 residential 0 3783 2477 69606 50330 0 5547 8389 61037 48720
mortgages, of which:
< <
< <
23 çfrHkwfr;ka tks fMQ‚YV :i ls 9370 3702 4288 90574 98395 9370 3702 4288 90574 101510
ugha gSa vkSj ,Dlpsat&VªsMsM
bfDoVh lfgr ,pD;w,y, ds
:i esa ;ksX; ugha gSa
24 vU; laifÙk;ka% ¼25 ls 29 135168 10046 14 70701 138484 4641 185 10 70701 3909
iafä;ksa dk ;ksx½
25 lksus lfgr HkkSfrd O;kikj 0 0 0 0 0 0 0 0 0 0
okyh oLrq,a
26 O;qRiUu vuqcaèkksa ds fy, 329 23 0 0 302 4455 0 0 0 386
çkjafHkd ekftZu ds :i esa iksLV
dh xbZ laifÙk;ka vkSj lhlhih
ds fMQ‚YV QaM esa ;ksxnku
27 ,u,l,Qvkj O;qRiUu vkfLr;ka 14 18 0 0 32 42 9 0 0 51
28 iksLV fd, x, fHkUurk 67 0 0 0 67 97 0 0 0 97
ekftZu dh dVkSrh ls igys
,u,l,Qvkj O;qRiUu ns;rk,a
29 vU; lHkh vkfLr;ka mijksä 134758 10005 14 70701 138083 47 176 10 70701 3375
Jsf.k;ksa esa 'kkfey ugha gSa
30 rqyui=ksÙkj en 0 17010 0 50446 2364 0 19883 18 50955 2526
%
Consolidated
NSFR Disclosure
30.09.2022 30.06.2022
as on
With a risk weight of
less than or equal to
35% under the Basel
22 0 3311 2168 61071 42685 0 4705 7115 51973 39958
II Standardised
Approach for credit
risk
Securities that are
not in default and do
23 not qualify as HQLA, 9370 3702 4288 90574 98395 9370 3702 4288 90574 101510
including exchange-
traded equities
Other assets: (sum
24 135168 10046 14 70701 138484 4641 185 10 70701 3909
of rows 25 to 29)
Physical traded
25 commodities, 0 0 0 0 0 0 0 0 0 0
including gold
Assets posted as
initial margin for
derivative contracts
26 329 23 0 0 302 4455 0 0 0 386
and contributions
to default funds of
CCPs
NSFR derivative
27 14 18 0 0 32 42 9 0 0 51
assets
NSFR derivative
liabilities before
28 deduction of 67 0 0 0 67 97 0 0 0 97
variation margin
posted
All other assets
29 not included in the 134758 10005 14 70701 138083 47 176 10 70701 3375
above categories
30 0 17010 0 50446 2364 0 19883 18 50955 2526

items
31 Total RSF 820547 786749
Net Stable Funding
32 138.40 140.25
Ratio (%)
¼jkf'k djksM+ esa½
ldy 308287-81 0-15 5-13 4516-53 2188-11 223-42 315221-14 0-00 2487-46 0-20 2487-66 317708-80
?kVk,a% vutZd fuos'k ¼,uihvk- 0-00 0-00 1-01 0-00 394-39 0-00 395-40 0-00 341-59 0-00 341-59 736-99
bZ½ ds fy, çkoèkku
ldy 44479-70 0-00 5674-10 30185-27 100-00 2660-63 83099-70 3895-22 0-00 597-06 4492-28 87591-98
?kVk,a% ewY;ºzkl vkSj ,uihvkbZ 481-86 0-00 2616-63 4079-53 2-45 1431-67 8612-13 44-96 0-00 39-57 84-52 8696-65
ds fy, çkoèkku
ldy 129-79 0-00 0-00 0-00 0-00 0-00 129-79 0-00 0-00 0-00 0-00 129-79
ds fy, çkoèkku
?kVk,a% vutZd fuos'k ¼,uihvk- 0-00 0-00 1-01 0-00 394-39 0-00 395-40 0-00 341-59 0-00 341-59 736-99
bZ½ ds fy, çkoèkku #
ds fy, çkoèkku
*dsoy ,pVh,e
3. Investments
3. a) Composition of Investment Portfolio
As at 31.03.2023 (Current FY)
Investments in India Investments outside India
Total Investments
Subsidiaries and/or
Subsidiaries and/or
Total investments
Total Investments
Other Approved
Debentures and
(including local
joint ventures
joint ventures
outside India
Government
Government
Securities
Securities
securities
in India
Shares
Others
Others
Bonds
Held to Maturity
Gross 308287.81 0.15 5.13 4516.53 2188.11 223.42 315221.14 0.00 2487.46 0.20 2487.66 317708.80
Less: Provision for
non- performing 0.00 0.00 1.01 0.00 394.39 0.00 395.40 0.00 341.59 0.00 341.59 736.99
investments (NPI)
Net 308287.81 0.15 4.12 4516.53 1793.71 223.42 314825.73 0.00 2145.87 0.20 2146.07 316971.80
Available for Sale
Gross 44479.70 0.00 5674.10 30185.27 100.00 2660.63 83099.70 3895.22 0.00 597.06 4492.28 87591.98
Less: Provision for
depreciation and 481.86 0.00 2616.63 4079.53 2.45 1431.67 8612.13 44.96 0.00 39.57 84.52 8696.65
NPI
Net 43997.84 0.00 3057.47 26105.74 97.55 1228.97 74487.57 3850.27 0.00 557.49 4407.76 78895.33
Held for Trading
Gross 129.79 0.00 0.00 0.00 0.00 0.00 129.79 0.00 0.00 0.00 0.00 129.79
Less: Provision for
NPI
Net 129.58 0.00 0.00 0.00 0.00 0.00 129.58 0.00 0.00 0.00 0.00 129.58
Total Investments 352897.29 0.15 5679.23 34701.80 2288.11 2884.05 398450.62 3895.22 2487.46 597.26 6979.94 405430.56
Less: Provision for
non- Performing 0.00 0.00 1.01 0.00 394.39 0.00 395.40 0.00 341.59 0.00 341.59 736.99
investments (NPI)#
Less: Provision for
NPI
Net 352415.23 0.15 3061.59 30622.27 1891.27 1452.38 389442.89 3850.27 2145.87 557.69 6553.83 395996.72
#HTM only
ldy 293175-36 0-15 5-13 5506-03 1564-16 154-88 300405-71 0-00 2450-45 0-20 2450-65 302856-36
?kVk,a% vutZd fuos'k 0-00 0-00 1-11 0-00 0-00 0-00 1-11 0-00 341-59 0-00 341-59 342-70
¼,uihvkbZ½ ds fy,
çkoèkku
ldy 30311-94 0-00 6822-06 30265-97 151-12 6079-01 73630-10 1820-01 0-00 1115-46 2935-47 76565-57
?kVk,a@ vutZd fuos'k 303-03 0-00 3561-27 2305-18 0-00 664-91 6834-39 27-41 0-00 20-80 48-21 6882-60
¼,uihvkbZ½ ds fy,
çkoèkku
ldy &28-87 0-00 0-00 0-00 0-00 0-00 &28-87 0-00 0-00 0-00 0-00 &28-87
?kVk,a@ ewY;ºzkl vkSj 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00
,uihvkbZ ds fy, çkoèkku
?kVk,a% vutZd fuos'k 0-00 0-00 1-11 0-00 0-00 0-00 1-11 0-00 341-59 0-00 341-59 342-70
¼,uihvkbZ½# ewY;ºzkl% ds
fy, çkoèkku
?kVk,a: ewY;ºzkl vkSj 303-03 0-00 3561-27 2305-18 0-00 664-91 6834-39 27-41 0-00 20-80 48-21 6882-60
,uihvkbZ ds fy, çkoèkku
*dsoy ,pVh,e
As at 31.03.2022 (Previous FY)
Investments in India Investments outside India
Held to Maturity
Gross 293175.36 0.15 5.13 5506.03 1564.16 154.88 300405.71 0.00 2450.45 0.20 2450.65 302856.36
Less: Provision for

non- performing 0.00 0.00 1.11 0.00 0.00 0.00 1.11 0.00 341.59 0.00 341.59 342.70
investments (NPI)
Net 293175.36 0.15 4.02 5506.03 1564.16 154.88 300404.60 0.00 2108.86 0.20 2109.06 302513.66
Available for Sale
Gross 30311.94 0.00 6822.06 30265.97 151.12 6079.01 73630.10 1820.01 0.00 1115.46 2935.47 76565.57
Less: Provision for

NPI
Net 30008.91 0.00 3260.79 27960.79 151.12 5414.10 66795.71 1792.60 0.00 1094.66 2887.26 69682.97
Held for Trading
Gross -28.87 0.00 0.00 0.00 0.00 0.00 -28.87 0.00 0.00 0.00 0.00 -28.87
Less: Provision for

NPI
Net -28.87 0.00 0.00 0.00 0.00 0.00 -28.87 0.00 0.00 0.00 0.00 -28.87
Total Investments 323458.43 0.15 6827.19 35772.00 1715.28 6233.89 374006.94 1820.01 2450.45 1115.66 5386.12 379393.06
Less: Provision for

non- Performing 0.00 0.00 1.11 0.00 0.00 0.00 1.11 0.00 341.59 0.00 341.59 342.70
investments (NPI)#
Less: Provision for

NPI
Net 323155.40 0.15 3264.81 33466.82 1715.28 5568.98 367171.44 1792.60 2108.86 1094.86 4996.32 372167.76
#HTM only
3. b) Movement of Provisions for Depreciation and
Investment Fluctuation Reserve

Particulars Current Year Previous Year
i½ fuos'kksa ij ewY;ºzkl ds fy, èkkfjr çkoèkkuksa esa mrkj&p<+ko i) Movement of provisions held towards depreciation on investments
,½ çkjfEHkd 'ks"k 7225-30 7191-44
a) Opening balance 7225.30 7191.44
ch½ tksM+sa% o"kZ ds nkSjku fd, 2467-59 1643-55
x, çkoèkku b) Add: Provision made during 2467.59 1643.55
the year
lh½ tksM%sa+ iquxZBu ds dkj.k 1012-26 0-00
vkuqikfrd çkoèkku dks c) Add: Proportionate 1012.26 0.00
,uihvkbZ çkoèkku esa Provision transferred to NPI
Provision on account of
LFkkukarfjr dj fn;k x;k restructuring
Mh½ ?kVk,a% o"kZ ds nkSjku fd, 65-13 1609-69

d) 65.13 1609.69
x, vfèkd çkoèkku ds fy, of excess provisions during
cês [kkrs esa Mkyh x;h@ the Year
çfrfyf[kr jkf'k
e) Less: Provisions against 1206.18 0.00
bZ½ ?kVk,a% csph@iquxZfBr@cês 1206-18 0-00 securities sold/restructured/
[kkrs esa Mkyh xbZ çfrHkwfr;ksa

f) Closing balance 9433.84 7225.30
ds fo#) çkoèkku
,Q½ vafre 'ks"k 9433-84 7225-30 ii) Movement of Investment Fluctuation Reserve
ii) vfLFkj fjtoZ fuos'k esa mrkj&p<+ko a) Opening balance 1393.66 538.81
,½ çkjfEHkd 'ks"k 1393-66 538-81
b) Add: Transfer from P&L 194.74 854.85
ch½ tksM+sa@ o"kZ ds nkSjku 194-74 854-85 Appropriation A/c
varfjr jkf'k
c) Less: Drawdown 0.00 0.00
lh½ ?kVk,a: fxjkoV 0-00 0-00
Mh½ vafre 'ks"k 1588-40 1393-66 d) Closing balance 1588.40 1393.66
iii) ,,Q,l vkSj ,p,QVh@pkyw 2-01% 2-00% iii) Closing balance in IFR as a 2.01% 2.00%
Js.kh ¼fuoy½ esa fuos'k ds vafre percentage of closing balance
of investments in AFS and HFT/
'ks"k ds çfr'kr ds :i esa Current category (Net)
vkbZ,Qvkj esa vafre 'ks"k
3. c) Sale and transfers to/from HTM category:
The total value of sales and transfers of securities to / from
1 vçSy] 2022 ls 31 ekpZ] 2023 ds nkSjku vkjchvkbZ ekLVj ifji=
HTM category after netting permitted exclusions in terms of
la[;k 42@21-04-141@ 2021&22 fnukad 25-08-2021 ds RBI Master Circular No. DOR.MRG.42/21.04.141/ 2021-22
vuqlkj fuoy vuqer NwV ds ckn ,pVh,e Js.kh es@ a ls çfrHkwfr;ksa dh dated 25.08.2021 during 1st April 2022 to 31st March 2023
fcØh vkSj varj.k dk fnukad 31-03-2022 dks ,pVh,e Js.kh esa dqy has not exceeded 5% of the book value of investments held
ewY; èkkfjr fuos'k ds cgh ewY; ds 5% ls vfèkd ugha c<+kA in HTM category as on 31.03.2022.
blfy, vkjchvkbZ ds ekStwnk fn'kkfunsZ'kksa ds vuqlkj dksbZ çdVhdj.k As such no disclosure is to be made in terms of extant RBI
guidelines.
ugha fd;k x;k gSA
(Previous year: The total value of sales and transfers of
¼xr o"kZ% 1 vçSy] 2021 ls 31 ekpZ] 2022 ds nkSjku vkjchvkbZ ekLVj ldqy
Z j securities to / from HTM category after netting permitted
la[;k Mhvksvkj-,evkjth-42@21-04-141@2021&22 fnukad 25-08-2021 ds exclusions in terms of RBI Master Circular No. DOR.
vuqlkj vuqer cfg"dj.k ds ckn ,pVh,e Js.kh dks@ls çfrHkwfr;ksa dh fcØh MRG.42/21.04.141/ 2021-22 dated 25.08.2021 during 1st April
vkSj gLrkarj.k dk dqy ewY; 31-03-2021 dks ,pVh,e Js.kh esa vk;ksftr 2021 to 31st March 2022 has not exceeded 5% of the book
fuos'k ds cgh ewY; ds 5% ls vfèkd ugha gSA value of investments held in HTM category as on 31.03.2021.
As such no disclosure is to be made in terms of extant RBI

blfy, vkjchvkbZ ds ekStwnk fn'kkfunsZ'kksa ds vuqlkj dksbZ çdVhdj.k guidelines.)
ugha fd;k tkuk gSA½
3. d) Non-SLR investment portfolio
3. d).i) Non-performing non-SLR investments
i
Sr. Particulars Current Year Previous Year
No.
,½ çkjfEHkd 'ks"k 7027-26 5470-92 a) Opening balance 7027.26 5470.92
ch½ o"kZ ds nkSjku ifjoèkZu 1818-17 3656-41 b) Additions during the year 1818.17 3656.41
lh½ mijksä vofèk ds nkSjku 1842-85 2100-07 c) Reductions during the 1842.85 2100.07
above period
deh
d) Closing balance 7002.58 7027.26
Mh½ vafre 'ks"k 7002-58 7027-26 e) Total provisions held 7001.51 6447.31
bZ½ dqy èkkfjr çkoèkku 7001-51 6447-31
ii
,½ ih,l;w 15]419-93 13385-85 9]573-05 8685-95 1249-07 265-56 0-00 0-00 2289-17 2577-10
ch½ ,QvkbZ 6]972-83 7622-74 4]794-66 5691-89 44-00 44-00 0-00 0-00 0-00 0-00
lh½ cSad 5]340-74 6131-67 2234-06 3130-80 51-12 1662-00 0-00 0-00 0-00 0-00
Mh½ futh d‚iksZjsV 8897-09 10063-10 7857-26 8719-08 4972-21 5505-16 0-00 0-00 0-00 0-00
bZ½ vuq"kafx;k¡@la;qä m|e 3388-55 3351-54 3388-55 3351-54 0-00 664-01 0-00 0-00 0-00 0-00
,Q½ vU;* 68]703-35 71767-61 5]907-33 10097-86 93-36 72-22 0-00 0-00 0-00 0-00
th½ ?kVk,a% ewY;ºzkl ds fy,
8]952-22 6922-28 8312-88 3126-31 4694-29 4497-05 0-00 0-00 0-00 0-00
çkoèkku
**
*vU; esa 56189-38 djksM+ ¼xr o"kZ 56388-01 djksM+½ ¼ewY;ºzkl dks ?kVkdj] ;fn dksbZ gks½ dh fo'ks"k ljdkjh çfrHkwfr;ka ,oa vesfjdh Vªstjh vkSj phu
ljdkj ds ckW.M @ LFkkuh; ljdkj ds ckW.M 'kkfey gSaA
**mijksä d‚ye esa 4] 5] 6 vkSj 7 ds varxZr n'kkZ;h x;h jkf'k;k¡ ijLij vuU; ugha gks ldrhA
i½ jsiks ds vUrxZr csph xbZ çfrHkwfr;ka

15-18 2022-08 254-20 0-00
,½ ljdkjh çfrHkwfr;k¡
¼35-00½ ¼21151-92½ ¼946-17½ ¼5110-84½
0-00 0-00 0-00 0-00
ch½ d‚iksZjsV _.k çfrHkwfr;k¡
¼0-00½ ¼0-00½ ¼0-00½ ¼0-00½
0-00 0-00 0-00 0-00
lh½ dksbZ vU; çfrHkwfr;k¡
¼0-00½ ¼0-00½ ¼0-00½ ¼0-00½
ii½ fjolZ jsiks ds vUrxZr [kjhnh xbZ çfrHkwfr;ka
10-08 11817-61 285-58 11817-61
,½ ljdkjh çfrHkwfr;k¡
¼10-00½ ¼27739-18½ ¼500-51½ ¼30-00½
0-00 0-00 0-00 0-00
ch½ d‚iksZjsV _.k çfrHkwfr;k¡
¼0-00½ ¼0-00½ ¼0-00½ ¼0-00½
0-00 0-00 0-00 0-00
lh½ dksbZ vU; çfrHkwfr;k¡
¼0-00½ ¼0-00½ ¼0-00½ ¼0-00½
3. d) ii) Issuer composition of non-SLR investments
Extent of ‘Below
Sr. Extent of Private Extent of ‘Unrated’ Extent of ‘Unlisted’
Issuer Amount Investment Grade’
No. Placement Securities Securities
Securities
(1) (2) (3) (4) (5) (6) (7)
Current Previous Current Previous Current Previous Current Previous Current Previous
Year Year Year Year Year Year Year Year Year Year
a) PSUs 15,419.93 13385.85 9,573.05 8685.95 1249.07 265.56 0.00 0.00 2289.17 2577.10
b) FIs 6,972.83 7622.74 4,794.66 5691.89 44.00 44.00 0.00 0.00 0.00 0.00
c) Banks 5,340.74 6131.67 2234.06 3130.80 51.12 1662.00 0.00 0.00 0.00 0.00
Private
d) 8897.09 10063.10 7857.26 8719.08 4972.21 5505.16 0.00 0.00 0.00 0.00
Corporates
Subsidiaries/
e) 3388.55 3351.54 3388.55 3351.54 0.00 664.01 0.00 0.00 0.00 0.00
Joint Ventures
f) Others* 68,703.35 71767.61 5,907.33 10097.86 93.36 72.22 0.00 0.00 0.00 0.00
Less: Provision
g) held towards 8,952.22 6922.28 8312.88 3126.31 4694.29 4497.05 0.00 0.00 0.00 0.00
depreciation
Total ** 99770.27 105400.23 25442.03 36550.81 1715.47 3715.90 0.00 0.00 2289.17 2577.10
includes US Treasury and China govt. bonds/local govt. bond.
**Amounts reported under columns 4, 5, 6 and 7 above may not be mutually exclusive.
3. e) Repo transactions (in face value terms)
Minimum Maximum Daily average

Outstanding as on
outstanding during outstanding during outstanding during
31.03.2023
the Year the Year the Year
i) Securities sold under repo
15.18 2022.08 254.20 0.00

a) Government securities
(35.00) (21151.92) (946.17) (5110.84)
0.00 0.00 0.00 0.00

b) Corporate debt securities
(0.00) (0.00) (0.00) (0.00)
0.00 0.00 0.00 0.00

c) Any other securities
(0.00) (0.00) (0.00) (0.00)
ii) Securities purchased under reverse repo
10.08 11817.61 285.58 11817.61

a) Government securities
(10.00) (27739.18) (500.51) (30.00)
0.00 0.00 0.00 0.00

b) Corporate debt securities
(0.00) (0.00) (0.00) (0.00)
0.00 0.00 0.00 0.00

c) Any other securities
(0.00) (0.00) (0.00) (0.00)
692656-32 16401-47 59009-18 17037-39 92448-04 785104-36

çkjfEHkd 'ks"k
¼634984-01½ ¼22979-98½ ¼60327-67½ ¼21115-77½ ¼104423-42½ ¼739407-43½
16028-92
tksMsa: o"kZ ds nkSjku ifjoèkZu
¼24743-67½
31149-29
?kVk,a: o"kZ ds nkSjku dVkSrh*
¼36719-05½
* ds dkj.k ldy ,uih, esa deh:

4770-30 4770-30
i½ mUu;u
¼5253-26½ ¼5253-26½
ii½olwyh ¼mUu;u [kkrksa ls olwyh dks 9800-99 9800-99
NksMd
+ j½ ¼9466-65½ ¼9466-65½
iii½ rduhdh @ foosdiw.kZ cês [kkrs 13362-86 13362-86
esa Mkyuk ¼18139-36½ ¼18139-36½
iv½ Åij ¼iii½ ds rgr ds vykok 3215-14 3215-14
vU; dks cês [kkrs esa Mkyuk ¼3859-78½ ¼3859-78½
çkoèkku ¼mrkj&p<+ko çkoèkkuksa dks NksM+dj½
5986-96 2649-76 37253-77 16953-10 56856-63 62843-59

èkkfjr çkoèkkuksa dk çkjafHkd 'ks"k
¼4755-91½ ¼4089-89½ ¼40003-31½ ¼21034-65½ ¼65127-85½ ¼69883-76½
tksM+sa% o"kZ ds nkSjku fd, x, u, 18660-80

çkoèkku ¼19938-02½
?kVk,a% vfrfjä çkoèkku fjolZM@cês 21693-64

[kkrs esa Mkys x, _.k ¼28209-24½
4. Asset Quality
Standard Non-Performing
Total Non-
Total Standard Total
Sub- standard Doubtful Loss Performing
Advances
Advances
Gross Standard Advances and NPAs
692656.32 16401.47 59009.18 17037.39 92448.04 785104.36
Opening Balance
(634984.01) (22979.98) (60327.67) (21115.77) (104423.42) (739407.43)
Add: Additions during the 16028.92
Year (24743.67)
Less: Reductions during the 31149.29
Year * (36719.05)
807353.02 12226.61 43413.63 21687.43 77327.67 884680.69
Closing balance
(692656.32) (16401.47) (59009.18) (17037.39) (92448.04) (785104.36)
*Reductions in Gross NPAs
due to:
4770.30 4770.30
i) Upgradation
(5253.26) (5253.26)
ii)Recoveries (excluding
9800.99 9800.99
recoveries from upgraded
(9466.65) (9466.65)
accounts)
iii)Technical/ Prudential 13362.86 13362.86
(18139.36) (18139.36)
3215.14 3215.14
those under (iii) above (3859.78) (3859.78)
Total
Total Total Non-
Standard Sub- standard Doubtful Loss Performing
Advances Advances
Provisions (excluding Floating Provisions)
Opening balance of 5986.96 2649.76 37253.77 16953.10 56856.63 62843.59

provisions held (4755.91) (4089.89) (40003.31) (21034.65) (65127.85) (69883.76)
Add: Fresh
18660.80
provisions made
(19938.02)
during the Year
Less: Excess
21693.64
provision reversed/
(28209.24)
Closing balance of 7746.99 1793.48 30479.17 21551.14 53823.79 61570.78

provisions held (5986.96) (2649.76) (37253.77) (16953.10) (56856.63) (62843.59)
13751-71 21072-72 84-30 34908-73
çkjfEHkd 'ks"k
¼18890-10½ ¼19604-48½ ¼81-12½ ¼38575-70½
tksM+sa% o"kZ ds nkSjku u, 10852-35
ifjoèkZu ¼17580-49½
23176-04
?kVk,a% o"kZ ds nkSjku dVkSrh*
¼21247-46½
vfLFkj çkoèkku
0-00
çkjfEHkd 'ks"k
¼0-00½
tksM+sa% o"kZ ds nkSjku fd, x, 0-00
vfrfjä çkoèkku ¼0-00½
?kVk,a% o"kZ ds nkSjku vkgfjr 0-00
jkf'k ¼0-00½
0-00
vfLFkj çkoèkkuksa dk vafre 'ks"k
¼0-00½
rduhdh@çwMsaf'k;y cês [kkrs 97300-75

esa Mkys x, [kkrksa dk çkjafHkd ¼89799-69½
'ks"k
tksM+sa% o"kZ ds nkSjku rduhdh@ 13538-42
foosdiw.kZ cês [kkrs esa Mkyuk ¼18356-29½
?kVk,a% o"kZ ds nkSjku iwoZ ds 15716-62

rduhdh@foosdiw.kZ cês [kkrs ¼10855-23½
esa Mkys x, [kkrksa ls dh xbZ
olwyh
Total
Total Total Non-
Advances Advances
Net NPAs
13751.71 21072.72 84.30 34908.73
Opening Balance
(18890.10) (19604.48) (81.12) (38575.70)
Add: Fresh additions 10852.35
during the year (17580.49)
Less: Reductions 23176.04
during the year (21247.46)
10433.12 12015.63 136.29 22585.04 22585.04
Closing Balance
(13751.71) (21072.72) (84.30) (34908.73) (34908.73)
Total
Total Total Non-
Advances Advances
Floating Provisions
0.00
Opening Balance
(0.00)
Add: Additional
0.00
provisions made during
(0.00)
the Year
Less: Amount drawn 0.00
down during the Year (0.00)
Closing balance of 0.00
(0.00)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard
Advances Advances
Opening balance of Technical/ Prudential 97300.75

(89799.69)
13538.42
the Year (18356.29)
Less: Recoveries made from previously
15716.62
(10855.23)
during the Year
95122.55
Closing balance
(97300.75)
ldy ,uih, ls ldy vfxze 8-74% 11-78%
fuoy ,uih, ls fuoy vfxze 2-72% 4-80%
çkoèkku dojst vuqikr 86-90% 81-60%
i½
,½ —f"k vkSj lac) xfrfofèk;k¡ 106547-99 25483-76 23-92% 105870-98 24354-60 23-00%
ch½ çkFkfedrk&çkIr {ks= dks 47239-16 7435-81 15-74% 45970-12 8005-11 17-41%
mèkkj ds :i es a ik=
m|ksx {ks= dks vfxze
lh½ lsok,a 81885-58 16833-41 20-56% 78632-45 18156-22 23-09%
Mh½ O;fäxr _.k 33508-80 2156-37 6-44% 35188-85 2473-09 7-03%
i % %
ii½ xSj çkFkfedrk {ks=

,½ —f"k vkSj lac) xfrfofèk;k¡ 35577-81 609-68 1-71% 18937-52 858-55 4-53%
ch½ m|ksx 126556-63 14313-59 11-31% 135356-14 22198-10 16-40%
lh½ lsok,a 191433-12 2222-31 1-16% 143186-03 5567-89 3-89%
Mh½ O;fäxr _.k 261931-60 8272-74 3-16% 221962-28 10834-48 4-88%
ii % %
i+ii % %
dqy vkfLr;ka 61211-00 43561-22

dqy ,uih, 1676-86 1845-08
dqy jktLo 2052-77 754-81
Ratios (in per cent) Current Year Previous Year
Gross NPA to Gross Advances 8.74% 11.78%
Net NPA to Net Advances 2.72% 4.80%
Provision Coverage Ratio 86.90% 81.60%
4. b) Sector-wise Advances and Gross NPAs
AS ON 31.03.2023 AS ON 31.03.2022
Percentage
Sl. Percentage
Sector of Gross
No. Outstanding of Gross Outstanding
Gross Gross NPAs
Total NPAs to Total Total
NPAs NPAs to Total
Advances Advances in Advances
Advances in
that sector
that sector
i) Priority Sector
Agriculture and allied
a) 106547.99 25483.76 23.92% 105870.98 24354.60 23.00%
activities
Advances to
industries sector
b) 47239.16 7435.81 15.74% 45970.12 8005.11 17.41%
eligible as priority
sector lending
c) Services 81885.58 16833.41 20.56% 78632.45 18156.22 23.09%
d) Personal Loans 33508.80 2156.37 6.44% 35188.85 2473.09 7.03%
Sub-total (i) 269181.52 51909.35 19.28% 265662.39 52989.02 19.95%
ii) Non Priority Sector
Agriculture and allied
a) 35577.81 609.68 1.71% 18937.52 858.55 4.53%
activities
b) Industry 126556.63 14313.59 11.31% 135356.14 22198.10 16.40%
c) Services 191433.12 2222.31 1.16% 143186.03 5567.89 3.89%
d) Personal Loans 261931.60 8272.74 3.16% 221962.28 10834.48 4.88%
Sub-total (ii) 615499.16 25418.32 4.13% 519441.97 39459.02 7.60%
Total (i+ii) 884680.69 77327.67 8.74% 785104.36 92448.04 11.78%
4. c) Overseas assets, NPAs and revenue

Total Assets 61211.00 43561.22
Total NPAs 1676.86 1845.08
Total Revenue 2052.77 754.81
4- i
iquxZBu vkfn ds vèkhu _.k vkfLr;ksa dh dqy jkf'k 10 3358-52 6 346-68
iquxZBu vkfn ds vèkhu ekud vkfLr;ksa dh jkf'kA 'kwU; 'kwU; 'kwU; 'kwU;
iquxZBu vkfn ds vèkhu voekud vkfLr;ksa dh jkf'kA 10 3358-52 6 346-68
o"kZ ds nkSjku iquxZBu ij bfDoVh ds :ikarj.k ds

4 82-07 1 1-54
dkj.k 'ks;jksa dk vfèkxzg.k
ii nckoxzLr vkfLr;ksa ds lekèkku ds fy, foosdiw.kZ <kaps ij 7 twu 2019 ds vkjchvkbZ ifji= Mhchvkj uacj chih chlh 45@21-
04-048@2018&19 ds vuqlkj] cSad ds ikl 31 ekpZ] 2023 dks 18 [kkrksa esa 2371-03 djksM+ #i;s dk vfrfjä çkoèkku gS ftldk fooj.k
uhps fn;k x;k gS%
8794-28 3414-48 3414-48 2371-03
cSad ds ikl 31-03-2022 rd 20 [kkrksa esa 2007-22 djksM+ dk vfrfjä çkoèkku Fkk] ftldk fooj.k uhps fn;k x;k gS%
5875-07 4617-59 4617-59 2007-22

4. d) Particulars of resolution plan and restructuring
4. d) i) Disclosure related to Resolution Plan implemented during the year in terms of RBI Circular No.
DBR.No.BP.BC.45/21.04.048/2018-19 dated 07.06.2019
Current Year Previous Year

Particulars
No. of Accts Amount No. of Accts Amount
Total amount of Loan assets subjected
10 3358.52 6 346.68
to restructuring etc.
The amount of standard assets
NIL NIL NIL NIL
subjected to restructuring etc.
The amount of Sub-standard assets
10 3358.52 6 346.68
subjected to restructuring etc.
Acquisition of shares due to conversion
of equity on re-structuring during the 4 82.07 1 1.54
year
4. d) ii) In terms of RBI Circular DBR No. BP. BC 45/21.04.048/2018-19 dated June 7, 2019 on Prudential
Framework for Resolution of Stressed Assets, the Bank is holding additional provision of Rs.2371.03
Crore as on March 31, 2023 in 18 accounts as detailed below:
Amount of loans as on
Amount of loans impacted Amount of Loans to be Provision held as on
31.03.2023 out of (b)
by RBI Circular (FB+NFB) 31.03.2023
(a) (b) (c) (d)

8794.28 3414.48 3414.48 2371.03
31.03.2022 (Previous Year)
Amount of loans as on
Amount of loans impacted Amount of Loans to be Provision held as on
31.03.2022 out of (b)
by RBI Circular 31.03.2022
(a) (b) (c) (d)

5875.07 4617.59 4617.59 2007.22
iv
31-03-2023 dks
ekud ds :i esa oxhZ—r 2 146-54 48-95 97-59 50-52
,uih, ds :i esa oxhZ—r 5 2359-25 934-12 1425-13 2336-42
31-03-2022 dks
ekud ds :i esa oxhZ—r 2 155-95 58-36 97-59 54-31
,uih, ds :i esa oxhZ—r 7 3560-94 1939-40 1621-54 2894-88
v
orZeku o"kZ 31-03-2023% 'kwU;

xr o"kZ 31-03-2022% 'kwU;
vi
orZeku o"kZ 31-03-2023% 'kwU;

xr o"kZ 31-03-2022% 'kwU;
vii
orZeku o"kZ 31-03-2023 'kwU;

xr o"kZ 31-03-2022 'kwU;
4.d) iv) Disclosures on the Scheme for Sustainable Structuring of Stressed Assets (S4A), as on 31.03.2023
Particulars No. of accounts Aggregate amount Amount outstanding Provision Held

where S4A has outstanding In Part A In Part B
been applied
As on 31.03.2023
2 146.54 48.95 97.59 50.52
5 2359.25 934.12 1425.13 2336.42
As on 31.03.2022
2 155.95 58.36 97.59 54.31
7 3560.94 1939.40 1621.54 2894.88
4.d) v) Disclosures on Strategic Debt Restructuring Scheme (Accounts which are currently under the
stand-still period) as on 31.03.2023
No. of Amount outstanding as on the

Amount outstanding as on the
accounts reporting date with respect to
Amount outstanding as on the reporting date with respect to
where SDR accounts where conversion of
reporting date accounts where conversion of
has been debt to equity has been taken
debt to equity is pending
invoked place
Standard NPA Standard NPA Standard NPA

Current Year 31.03.2023: NIL
Previous Year 31.03.2022: NIL
4.d) vi) Disclosures on Change in ownership outside Strategic Debt Restructuring Scheme (accounts
which are currently under the stand-still period):
No. of Amount outstanding as Amount outstanding Amount outstanding Amount outstanding

accounts on the reporting date as on the reporting as on the reporting as on the reporting
where i.e. 31.03.2023 date with respect date with respect date with respect
banks to accounts where to accounts where to accounts where
have conversion of debt to conversion of debt to change in ownership is
decided equity/invocation of equity/invocation of envisaged by issuance
pledge of equity shares pledge of equity shares of fresh shares or sale
change in is pending has taken place of promoters equity
ownership
as as NPA as as NPA as as NPA as as NPA
Standard Standard Standard Standard
Current Year 31.03.2023 : NIL
Previous Year 31.03.2022: NIL
4.d) vii) Disclosures on application of Flexible Structuring to Existing Loans as on 31.03.2023:
Period No. of Amount of loans taken up for Exposure weighted average duration
borrowers taken
structuring
structuring Before applying After applying
Standard as NPA
structuring structuring
Current Year 31.03.2023 NIL
Previous Year 31.03.2022 NIL
4- viii 4.d)viii) Disclosures on Change in Ownership of
Projects Under Implementation (accounts which
are currently under the stand-still period):
No. of project Amount outstanding as on the

loan accounts reporting date i.e. 31.03.2023
where banks
have decided
as as Standard
change in as NPA
Standard restructured
ownership
pkyw o"kZ% 'kwU;
Current Year: NIL
xr o"kZ% 'kwU;
Previous Year: NIL
vkjchvkbZ ekLVj fn'kk&funs'Z k la-vkjchvkbZ@Mhvksvkj@2021&22è83 Provisioning

Mhvksvkj-,lhlh-vkjbZlh-la- 45@21-04-018@2021&22 fnukad 30
vxLr] 2021¼20 Qjojh] 2023 dks v|ru½ esa mfYyf[kr 'krksaZ ds
vkèkkj ij 31 ekpZ] 2022 dks lekIr o"kZ ds fy, vkjchvkbZ dh okf"kZd provisioning for NPAs is not required w.r.t. RBI’s annual
i;Zo{s kh çfØ;k ds lacaèk esa ,uih, ds fy, ifjlaifÙk oxhZdj.k vkSj supervisory process for the year ended March 31, 2022 based
on conditions mentioned in RBI Master Direction no. RBI/
çkoèkku esa fopyu ij çdVhdj.k dh vko';drk ugha gSA
DOR/2021-22/83 DOR.ACC.REC.No.45/21.04.018/2021-22
¼xr o"kZ% vkjchvkbZ ifji= la- Mhchvkj-chihchlh la- 32@21-04- dated August 30, 2021 (Updated as on February 20, 2023).
018@2018&19 fnukad 1 vçSy] 2019 ds vuqlkj] vkjchvkbZ }kjk
(Previous year: As per RBI Circular No.DBR.BP.BC
ewY;kadu fd, x, ,uih, ds fy, vfrfjä çkoèkkuhdj.k ds ekeysa esa
No.32/21.04.018/2018-19 dated April 1, 2019, in case the
çkoèkkuksa vkSj lacafèkr vofèk ds fy, vkdfLedrkvksa ls igys lwfpr
additional provisioning for NPA assessed by RBI exceeds 10%
ykHk dk 10% ls vfèkd çkoèkku gS vkSj@;k vkjchvkbZ }kjk fpfUgr
vfrfjä ldy ,uih, lanHkZ vofèk ds fy, çdkf'kr o`f)'khy ldy
,uih, ds 15% ls vfèkd gS] rks cSadksa dks vk; ekU;rk] vkfLr oxhZdj.k by RBI exceed 15% of the published incremental Gross
vkSj çkoèkku ij foosdiw.kZ ekunaMksa ls fopyu dk [kqyklk djuk NPAs for the reference period, then the banks are required
vko';d gSA to disclose divergence from prudential norms on income
mijksä ifji= ds lanHkZ esa fopyu] Åij fufnZ"V lhek ds Hkhrj gSa]
blfy, foÙkh; o"kZ 2021 ds fy, vkjchvkbZ dh okf"kZd i;Zos{kh çfØ;k Divergences in terms of above circular, are within threshold
ds lacaèk esa fdlh çdVhdj.k dh vko';drk ugha gS½A
respect to RBI’s annual supervisory process for FY 2021.
4. f) Disclosure of transfer of loan exposures: Total

amount of loan not in default / stressed loans
transferred and acquired to / from other entities:
vkjchvkbZ ds ifji= la[;k Mhvksvkj-,lVhvkj-vkjbZlh- 51@21-04- In accordance with RBI circular no. DOR.STR.
048@2021&22 fnukad 24 flracj] 2021 ds vuqlkj] 31 ekpZ] 2023 REC.51/21.04.048/2021-22 dated September 24, 2021, the
dks lekIr foÙkh; o"kZ ds nkSjku gLrkarfjr@vfèkxzfgr _.kksa dk details of loans transferred/acquired during the FY ended
fooj.k uhps fn;k x;k gS% March 31, 2023 are given below:
i 4. f) i) Loans not in default transferred:

31.03.2023 - Current year 31.03.2022 - Previous Year
NIL NIL
'kwU; 'kwU;
,sls _.k tks leuqns'ku ds ekè;e ls iwy ck;vkmV }kjk fMQ‚YV Loans not in default acquired through pool buyout via
vfèkxzfgr ugha fd, gSa% assignment:
Current
Previous Period
Particulars Period
(01.04.2021 to
(01.04.2022 to
31.03.2022)
31.03.2023)
_.k dh jkf'k 5222-55 'kwU; Amount of Loan 5222.55 Nil
Hkkfjr vkSlr ifjiDork Weighted average 57.94 Nil
57-94 'kwU;
¼eghuksa esa½ maturity (in months)
Hkkfjr vkSlr èkkj.k Weighted average 14.33 Nil
14-33 'kwU; holding period (in
vofèk ¼eghuksa esa½
months)
ykHkdkjh vkfFkZd fgrksa
Retention of 10.00% Nil
dh voèkkj.k 10-00% 'kwU;
¼çorZd }kjk½ interest (by originator)
ewrZ çfrHkwfr dojst 115-70% 'kwU; Tangible security 115.70% Nil
Js.kh—r _.kksa coverage
dk Js.kh okj ykxw ugha 'kwU; Rating wise NA Nil
forj.k distribution of rated
loans
ii
4. f) ii) Details of stressed Loans transferred during
31.03.2023 Current Year
To To permitted To other
ore) ARCs transferees transferees
[kkrksa dh la[;k 'kwU; 'kwU; 'kwU;
gLrkarfjr _.kksa dk cdk;k 'kwU; 'kwU; 'kwU;
No. of accounts NIL NIL NIL
dqy ewyèku
Aggregate principal
gLrkarfjr _.kksa 'kwU; 'kwU; 'kwU;
outstanding of loans NIL NIL NIL
dh Hkkfjr vkSlr transferred
vof'k"V vofèk
Weighted average
gLrkarfjr _.kksa dk fuoy 'kwU; 'kwU; 'kwU; residual tenor of the NIL NIL NIL
cgh ewY; ¼gLrkarj.k ds loans transferred
le;½
Net book value of
dqy çfrQy 'kwU; 'kwU; 'kwU; loans transferred (at NIL NIL NIL
iwoZ ds o"kksZa esa 'kwU; 'kwU; 'kwU; the time of transfer)
gLrkarfjr [kkrksa ds Aggregate
NIL NIL NIL
lacaèk esa vfrfjä consideration
çfrQy dh olwyh
Additional
nckoxzLr _.kksa 'kwU; 'kwU; 'kwU; consideration realized
in respect of accounts NIL NIL NIL
dh fcØh ds transferred in earlier
dkj.k ykHk vkSj years
gkfu [kkrs esa okil Quantum of excess

Provision reversed
dh xbZ vfrfjä NIL NIL NIL
çkoèkku dh ek=k account on account of
sale of stressed loans
31.03.2022 Previous Year
To
To To other
crore)
permitted
ARCs transferees
transferees
No. of accounts NIL NIL NIL
Aggregate principal
[kkrksa dh la[;k 'kwU; 'kwU; 'kwU; outstanding of loans NIL NIL NIL
gLrkarfjr _.kksa transferred
dk cdk;k dqy 'kwU; 'kwU; 'kwU; Weighted average
ewyèku residual tenor of the NIL NIL NIL
loans transferred
gLrkarfjr _.kksa
Net book value of
dh Hkkfjr
'kwU; 'kwU; 'kwU; loans transferred (at NIL NIL NIL
vkSlr vof'k"V
the time of transfer)
vofèk
Aggregate
gLrkarfjr _.kksa dk NIL NIL NIL
'kwU; 'kwU; 'kwU; consideration
fuoy cgh ewY;
Additional
¼gLrkarj.k ds le;½
consideration
dqy çfrQy 'kwU; 'kwU; 'kwU; realized in respect
NIL NIL NIL
of accounts
iwoZ ds o"kksZa esa
transferred in earlier
gLrkarfjr
years
[kkrksa ds lacaèk 'kwU; 'kwU; 'kwU;
esa vfrfjä çfrQy Quantum of excess
dh olwyh Provision reversed
nckoxzLr _.kksa NIL NIL NIL

account on account
dh fcØh ds
of sale of stressed
dkj.k ykHk vkSj
'kwU; 'kwU; 'kwU; loans
gkfu ys[ks esa okil
dh xbZ vfrfjä 4. f) iii) Details of stressed Loans acquired during
çkoèkku dh ek=k
iii) 31.03.2023 Current Year
From SCBs, RRBs,

UCBs, StCBs, DCCBs,
AIFs, SFBs and NBFCs From
including Housing ARCs
Finance Companies
(HFCs)
Aggregate principal
outstanding of loans NIL NIL
vftZr _.kksa dk cdk;k 'kwU; 'kwU; acquired
dqy Aggregate
NIL NIL
ewyèku consideration paid
Hkqxrku fd;k x;k dqy 'kwU; 'kwU; Weighted average

çfrQy residual tenor of NIL NIL
loans acquired
vfèkxzghr _.kksa dh 'kwU; 'kwU;
Hkkfjr vkSlr vof'k"V
vofèk
From SCBs, RRBs,

UCBs, StCBs,
DCCBs, AIFs, SFBs From
and NBFCs including ARCs
Housing Finance
Companies (HFCs)
Aggregate principal
vftZr _.kksa dk acquired
'kwU; 'kwU;
cdk;k dqy ewyèku
Aggregate consideration
NIL NIL
Hkqxrku fd;k x;k dqy paid
'kwU; 'kwU;
çfrQy
Weighted average
vfèkxzghr _.kksa dh residual tenor of loans NIL NIL
Hkkfjr vkSlr vof'k"V 'kwU; 'kwU; acquired
vofèk
iv 4. f) iv) Details of stressed Loans transferred during
To
To other
To ARCs permitted
crore) transferees
transferees
[kkrksa dh la[;k 7 'kwU; 'kwU; No. of accounts 7 NIL NIL

gLrkarfjr _.kksa 1409-12 'kwU; 'kwU; Aggregate principal
dk cdk;k dqy outstanding of 1409.12 NIL NIL
ewyèku loans transferred
gLrkarfjr _.kksa 'kwU; 'kwU; 'kwU; Weighted average
dh Hkkfjr vkSlr residual tenor
NIL NIL NIL
vof'k"V vofèk of the loans
transferred
gLrkarfjr _.kksa 32-20 'kwU; 'kwU;
dk fuoy cgh Net book value of
ewY; ¼gLrkarj.k loans transferred
32.20 NIL NIL
ds le;½ (at the time of
transfer)
dqy çfrQy 617-71 'kwU; 'kwU;
Aggregate
iwoZ ds o"kksZa 95-62 'kwU; 'kwU; 617.71 NIL NIL
consideration
esa gLrkarfjr
[kkrksa ds lacaèk Additional
esa vfrfjä consideration
çfrQy dh realized in respect
95.62 NIL NIL
olwyh of accounts
transferred in
nckoxzLr _.kksa 585-51 'kwU; 'kwU;
earlier years
dh fcØh ds
dkj.k ykHk vkSj Quantum of excess
gkfu ys[ks esa Provision reversed
okil dh xbZ
vfrfjä 585.51 NIL NIL
account on account
çkoèkku dh
of sale of stressed
ek=k
loans
To
To To other
permitted
ARCs transferees
transferees
[kkrksa dh la[;k 4 'kwU; 'kwU; No. of accounts 4 NIL NIL
Aggregate principal
gLrkarfjr _.kksa dk outstanding of loans 2421.42 NIL NIL
2421-42 'kwU; 'kwU; transferred
cdk;k dqy ewyèku
Weighted average
gLrkarfjr _.kksa residual tenor of the NIL NIL NIL
dh Hkkfjr vkSlr 'kwU; 'kwU; 'kwU; loans transferred
vof'k"V vofèk Net book value of
loans transferred (at 198.17 NIL NIL
gLrkarfjr _.kksa
the time of transfer)
dk fuoy cgh ewY; 198-17 'kwU; 'kwU;
¼gLrkarj.k ds le;½ Aggregate
1057.64 NIL NIL
consideration
dqy çfrQy 1057-64 'kwU; 'kwU;
Additional
iwoZ ds o"kksZa esa consideration
gLrkarfjr [kkrksa ds realized in respect of 17.15 NIL NIL
17-15 'kwU; 'kwU;
lacaèk esa vfrfjä accounts transferred
çfrQy dh olwyh in earlier years
nckoxzLr _.kksa Quantum of excess
dh fcØh ds dkj.k Provision reversed
ykHk vkSj gkfu ys[ks
859-47 'kwU; 'kwU; 859.47 NIL NIL
esa okil dh xbZ account on account
vfrfjä of sale of stressed
çkoèkku dh ek=k loans
v 4. f) v) Details of stressed Loans acquired during

From SCBs, RRBs,
UCBs, StCBs,
Housing Finance
Companies (HFCs)
Aggregate principal
vftZr _.kksa dk cdk;k 'kwU; 'kwU;
acquired
dqy ewyèku
Hkqxrku fd;k x;k dqy 'kwU; 'kwU;
çfrQy Aggregate
NIL NIL
vfèkxzghr _.kksa dh 'kwU; 'kwU; consideration paid
Hkkfjr vkSlr vof'k"V
vofèk Weighted average
residual tenor of loans NIL NIL
acquired
From SCBs, RRBs,
UCBs, StCBs,
Housing Finance
Companies (HFCs)
Aggregate principal
vftZr _.kksa dk cdk;k 'kwU; 'kwU; acquired
dqy ewyèku Aggregate
NIL NIL
Hkqxrku fd;k x;k dqy 'kwU; 'kwU; consideration paid
çfrQy Weighted average
vfèkxzghr _.kksa dh 'kwU; 'kwU; residual tenor of loans NIL NIL
Hkkfjr vkSlr vof'k"V acquired
vofèk
4. f) vi) Distribution of the SRs held across the various
vi 31 ekpZ] 2023 rd ØsfMV jsfVax ,tsfa l;ksa categories of Recovery Ratings assigned to such SRs
}kjk ,sls ,lvkj dks lkSia h xbZ olwyh jsfVax dh by the credit rating agencies as on March 31, 2023:
fofHkUu Jsf .k;ks a es a èkkfjr ,lvkj dk forj.k%
Recovery Rating Book Value Book Value
Band 31.03.2023 31.03.2022
vkjvkj1+ 28-72 0-00 RR1+ 28.72 0.00
RR1 262.86 446.58
vkjvkj 1 262-86 446-58 RR2 94.68 354.76
vkjvkj 2 94-68 354-76 RR3 136.49 365.29
RR4 443.44 434.70
vkjvkj 3 136-49 365-29 RR5 389.93 4.40
vkjvkj 4 443-44 434-70 Rating Withdrawn 162.07 86.78
Total 1518.19 1692.51
vkjvkj 5 389-93 4-40
As per RBI guidelines post 8 years Rating is not applicable.
okil yh xbZ jsfVax 162-07 86-78
1518-19 1692-51
vii 4. f) vii) Investments in Security Receipts (SRs):
c
Current Year (As Previous Year (As

on 31.03.2023) on 31.03.2022)
Particulars
Book value
of SRs
where
NPAs sold
,½ mu ,lvkj a) 87.99 1291.51 138.69 594.80 1016.98 80.73
by the
dk cgh ewY; bank are
tgka cSad }kjk the under-
csps x, ,uih, 87-99 1291-51 138-69 594-80 1016-98 80-73
lying
varfuZfgr
gSa Provision
held 87.99 1291.51 138.69 287.29 384.38 80.73
¼,½ ds çfr against (a)
fd;k x;k 87-99 1291-51 138-69 287-29 384-38 80-73 Book value
çkoèkku of SRs
where
ch½ mu ,lvkj NPAs sold
dk cgh ewY; by other
tgka vU; banks /
cSadksa@foÙkh; b) 0.00 0.00 0.00 0.00 0.00 0.00
institutions
laLFkkuksa@xSj& 0-00 0-00 0-00 0-00 0-00 0-00 / non-
cSafdax foÙkh; banking
daifu;ksa }kjk
csps x, ,uih, companies
varfuZfgr gSa are the
underlying
¼ch½ ds çfr Provision
fd;k x;k 0-00 0-00 0-00 0-00 0-00 0-00 held 0.00 0.00 0.00 0.00 0.00 0.00
çkoèkku against (b)
+
Total (a) + (b) 87.99 1291.51 138.69 594.80 1016.98 80.73
4.g) Fraud accounts
C
Current Previous
fjiksVZ dh xbZ mèkkj 165 142 Year Year
èkks[kkèkMh dh la[;k xSj mèkkj 124 289 Borrowal 165 142

Number of frauds Non
124 289
reported Borrowal
èkks[kkèkM+h esa 'kkfey jkf'k mèkkj 1578-46 9553-81 TOTAL 289 431
Borrowal 1578.46 9553.81
¼ djksM½ xSj mèkkj 230-64 25-99 Amount involved in Non
230.64 25.99
Borrowal
TOTAL 1809.10 9579.80
,slh èkks[kkèkM+h ds fy, mèkkj 1578-46 8524-87
Borrowal 1578.46 8524.87
fd, x, çkoèkku dh Amount of provision
xSj mèkkj 224-22 19-26 Non
made for such 224.22 19.26
jkf'k ¼ djksM+½ Borrowal
1802-68 8544-13
TOTAL 1802.68 8544.13
o"kZ ds var esa 'vU; Amount of Un-
amortised provision
vkjf{kr fufèk;ksa' ls vkg- debited from ‘other
fjr fd, x, vla'kksfèkr & & 1028-95 - - 1028.95
reserves’ as at the
çkoèkku dh jkf'k ¼
crore)
djksM+½
4- ,p½ i½ vkjchvkbZ ds ifji= la cSafofo-la-chih- 4.h) i) In accordance with RBI circular no. DBR.No.BP.
chlh-18@21-04-048@2018&19 fnukad 01 tuojh 2019]Mhvksvkj- BC.18/21.04.048/2018-19 dated January 01, 2019,
DOR.No.BP.BC.34/21.4.048/2019-20 dated February
la-chih-chlh-34@21-4-048@2019&20 fnukad Qjojh ds vuqlkj
11, 2020 and DOR.No.BP.BC/4/21.04.048/2020-
11] 2020 vkSj DOR.No.BP.BC@21-04-048@2020&21 fnukad 21 dated August 06, 2020 on "Micro, Small and
06 vxLr] 2020 dks lw{e] y?kq vkSj e/;e m|e ¼,e,l,ebZ½ {ks= Medium Enterprises (MSMEs) sector - Restructuring of
& vfxze dk iquxZBu* ij] ,e,l,ebZ iquxZfBr [kkrksa dk fooj.k Advance", the details of MSME restructured accounts
fuEukuqlkj gS% ¼jkf'k djksM+ esa½ is as under:
7401 782-39 39-11 No. of Accounts Amount Provision held

Restructured
ii vkjchvkbZ ds ifji= la Mhvksvkj-,lVhvkj- 7401 782.39 39.11
vkjbZlh-12@21-04-048@2021&22 fnukad 05 ebZ] 2021 ds vuqlkj 4.h) ii) In accordance with RBI circular no. DOR.STR.
fjt‚Y;w'ku ÝseodZ 2-0 & lw{e] y?kq vkSj e/;e m|eksa ¼,e,l,ebZ½ REC.12/21.04.048/2021-22 dated May 05, 2021 on
ds dksfoM&19 lacaf/kr ruko dk lek/kku iquxZfBr [kkrksa dk fooj.k “Resolution Framework 2.0 - Resolution of Covid-19
fuEukuqlkj gS% related stress of Micro, Small and Medium Enterprises
(MSMEs)” the details of accounts restructured is as
under:
40393 2656-36 265-63
iii iii½ vkjchvkbZ ldqZyj RBI/2020-21/16 DOR.
No.BP.BC/3/21.04.048/2020-21 fnukad 06 vxLr] 2020 vkSj No. of Accounts Amount Provision held
Restructured
RBI/ ds vuqlkj COVID 19 lacaf/kr ruko ds fy, fjt‚Y;w'ku
40393 2656.36 265.63
ÝseodZ ds rgr dk;kZfUor fjt‚Y;w'ku Iyku dk fooj.k 2021&22/31
Mhvksvkj-,lVhvkj-vkjbZlh-11@21-04-048@2021&22 fnukad 5 ebZ] 4.h) iii) Details of resolution plan implemented under
2021 uhps fn;k x;k gS% Resolution Framework for COVID 19 related stress
as per RBI Circular RBI/2020-21/16 DOR.No.BP.
BC/3/21.04.048/2020-21 dated August 06, 2020 and
RBI/2021-22/31 DOR.STR.REC.11/21.04.048/2021-22
dated May 5, 2021 are given below:
O;fäxr _.k 631-79 47-92 0-00 50-12 551-14

d‚iksZjsV O;fä* 2433-00 213-51 0-00 81-02 2268-60
*ftuesa ls ,e,l,ebZ 350-96 0-00 0-00 18-58 332-54
vU; 22-79 6-57 0-00 5-27 11-00
O;fäxr _.k 4927-73 241-39 0-00 298-08 4326-63

dkjksckj _.k 148-49 13-10 0-00 15-96 128-31
NksVk dkjksckj 850-87 64-05 0-00 80-49 648-53
249 mèkkjdrkZ [kkrs gSa] ftudk cSad esa dqy 17-81 djksM+ #i;s dk ,Dlikstj gS] tgka lekèkku ;kstukvksa dks ykxw fd;k x;k Fkk vkSj vc 5 ebZ] 2021 dks
vkjchvkbZ ds lekèkku <kaps 2-0 ds rgr la'kksfèkr fd;k x;k gSA
i
,½ vkoklh; lEifÙk caèkd &
vkoklh; lEifÙk] tks _.kh }kjk vfèkdkj esa yh xbZ gS ;k yh tk;sxh ;k fdjk;s ij nh xbZ gS] ij cUèkd }kjk
iw.kZr% çfrHkwr _.k
çkFkfedrk çkIr {ks= ds :i esa oxhZ—r vkokl _.k 28491-37 27419-64
vU; vkoklh; caèkd 69493-35 67774-36
ch½ okf.kfT;d LFkkoj laink &

okf.kfT;d LFkkoj laink ¼dk;kZy; Hkou] fjVsy Lisl] cgqmís'kh; okf.kfT;d ifjlj] vkS|ksfxd ;k xksMkmu Lisl]
Hkwfe vfèkxzg.k] fodkl vkSj fuekZ.k] vkfn½ ij caèkd }kjk çfrHkwr _.k
fufèk vkèkkfjr 15679-28 19747-38
xSj fufèk vkèkkfjr 626-41 951-08
lh½ caèkd lefFkZr çfrHkwfr;ksa ¼,e ch ,l½ vkSj vU; çfrHkwr ,Dlikstj esa fuos'k &
i- vkoklh; 0-00 0-00
ii- okf.kfT;d LFkkoj laink 0-00 0-00
ii½ vçR;{k ,Dlikstj
fons'kh dk;kZy;ksa lfgr jk"Vªh; vkokl cSad ¼,u ,p ch½ vkSj vkokl foRr dEifu;ksa ¼,p ,Q lh½ gsrq fufèk 45887-15 37277-39
vkèkkfjr o xSj fufèk vkèkkfjr ,Dlikst+j%
cSad }kjk vkokl dEifu;ksa ,oa d‚iksZjs'ku esa fd;k x;k fuos'k 6251-82 6649-94
Exposure to accounts Exposure to accounts
Of (A), Of (A)
aggregate Of (A) amount amount
consequent to Standard consequent
debt that paid by the
Type of borrower implementation to implementation
slipped into during the half- borrowers
of resolution plan of resolution plan
NPA during year during the
- Position as at - Position as at
the half-year half year
30.09.2022 (A) 31.03.2023
Personal Loans 631.79 47.92 0.00 50.12 551.14
Corporate
persons* 2433.00 213.51 0.00 81.02 2268.60
* Of which 350.96 0.00 0.00 18.58 332.54

MSMEs
Others 22.79 6.57 0.00 5.27 11.00
Total OTR 1.0 3087.58 268.00 0.00 136.41 2830.74
Personal Loans 4927.73 241.39 0.00 298.08 4326.63
Business Loans 148.49 13.10 0.00 15.96 128.31
Small Business 850.87 64.05 0.00 80.49 648.53
Total OTR 2.0 5927.09 318.54 0.00 394.53 5103.47
Grand Total 9014.67 586.54 0.00 530.94 7934.21
There are 249 borrower accounts having aggregate exposure of Rs.17.81 Crore to the Bank where resolution plans had been
5. Exposures
5. a) Exposure to real estate sector
Category Current Year Previous Year

i) Direct Exposure
a) Residential Mortgages–
Lending fully secured by mortgages on residential property that is or will be
occupied by the borrower or that is rented.
28491.37 27419.64
Others Residential Mortgages 69493.35 67774.36
Total 97984.72 95194.00
b) Commercial Real Estate–
space, multipurpose commercial premises, industrial or warehouse space, land

acquisition, development and construction, etc.).;
Fund Based 15679.28 19747.38
Non Fund Based 626.41 951.08
Total 16305.69 20698.46
c) Investments in Mortgage-Backed Securities (MBS) and other securitized
exposures–
i. Residential 0.00 0.00
ii. Commercial Real Estate 0.00 0.00
ii) Indirect Exposure
Fund based and non-fund-based exposures to National Housing Bank (NHB) 45887.15 37277.39
Investments made by the Bank in Housing Companies and Corporations 6251.82 6649.94
Total 52138.97 43927.33
Total Exposure to Real Estate Sector 166429.38 159819.79

5. b). Exposure to capital market
¼jkf'k djksM+ esa½@

Particulars
i½ bfDoVh 'ks;jksa] ifjorZuh; c‚.M] ifjorZuh; Direct investment in equity shares, 2634-50 2918-47
_.k i=ksa vkSj bfDoVh mUeq[k E;wpqvy QaMksa convertible bonds, convertible
ds ;wfuVksa esa çR;{k fuos'k tks fuxfer _.k dh debentures and units of equity oriented
ewy fufèk esa gh ,d ek= fuos'k ugha gS mutual funds the corpus of which is not
exclusively invested in corporate debt.
ii½ 'ks;jksa ¼vkbZihvks@bZ,lvksih lfgr½ ifjorZuh; Advances against shares / bonds 0-66 1-16
caèki=ksa] ifjorZuh; _.k i=ksa vkSj bfDoVh / debentures or other securities or
mUeq[k E;wpqvy QaMksa esa fuos'k ds fy, O;fä;ksa on clean basis to individuals for
dks 'ks;jksaècaèk i=ksaè_.k i=ksa ;k vU; çfrHkwfr;ksa investment in shares (including IPOs /
ESOPs), convertible bonds, convertible
ij ;k çfrHkwfr ds fcuk vfxze
debentures, and units of equity oriented
mutual funds;
iii½ fdlh vU; ç;kstu ds fy, vfxze tgka 'ks;jksa
Advances for any other purposes
;k ifjorZuh;
where shares or convertible bonds or
c‚.M i=ksa ;k ifjorZuh; _.k i=ksa ;k bfDoVh 'kwU; 'kwU;
convertible debentures or units of equity
mUeq[k E;wpqvy NIL NIL
oriented mutual funds are taken as
QaMksa ds ;wfuVksa dks çkFkfed çfrHkwfr ds :i primary security;
esa j[kk x;k gksA
iv½ fdlh vU; ç;kstu ds fy, vfxze tgka 'ks;jksa Advances for any other purposes to 432-84 634-60
;k ifjorZuh; ckaM] ifjorZuh; fMcsapj vkSj the extent secured by the collateral
bfDoVh mUeq[k E;wpqvy QaMksa ds ;wfuVksa dh security of shares or convertible bonds
laikf'kZ~od çfrHkwfr rd çfrHkwfr nh xbZ gks or convertible debentures or units

of equity oriented mutual funds i.e.
vFkkZr~ tgk¡ ifjorZuh; c‚.M@ifjorZuh; _.k
where the primary security other than
i=ksa@bfDoVh mUeq[k E;wpqvy QaMksa ds ;wfuVksa
shares / convertible bonds / convertible
ls fHkUu çkFkfed çfrHkwfr vfxzeksa dks iwjh rjg
debentures / units of equity oriented
doj ugha djrh gSa A
mutual funds does not fully cover the
advances;
v½ LV‚d czksdjksa dks çfrHkwr rFkk vçfrHkwr vfxze Secured and unsecured advances to 25-00 43-56
vkSj LV‚d czkd s jksa rFkk ekdsZV esdjksa dh vksj stockbrokers and guarantees issued
ls nh xbZ xkjafV;k¡ on behalf of stock brokers and market
makers;
vi½ lalkèkuksa dks tqVkus dh laHkkouk esa u;h dEifu;ksa Loans sanctioned to corporates
against the security of shares / bonds
dh bfDoVh esa çorZdksa ds va'knku dh vko';drk
/ debentures or other securities or on
dks iwjk djus ds fy, 'ks;jksa@c‚.Mks@
a _.k i=ksa clean basis for meeting promoter’s 'kwU; 'kwU;
NIL NIL
;k vU; çfrHkwfr;ksa ij ;k çfrHkwfr ds fcuk contribution to the equity of new
fuxfer daifu;ksa dks Loh—r _.k companies in anticipation of raising
resources;
¼jkf'k djksM+ esa½@
Particulars
vii½ laHkkfor bfDoVh çokgksa@fuxZeksa ds çfr Bridge loans to companies against 'kwU; 'kwU;
dEifu;ksa dks iwjd _.k NIL NIL
viii½ 'ks;jksa ;k ifjorZuh; caèk i=ksa ;k ifjorZuh; Underwriting commitments taken up

_.k i=ksa ;k bfDoVh mUeq[k E;wpqvy QaMksa ds by the banks in respect of primary
'kwU; 'kwU;
;wfuVksa ds çkbejh b';w ds lEcUèk esa cSadksa }kjk issue of shares or convertible bonds or
NIL NIL
convertible debentures or units of equity
gkehnkjh çfrc)rk,a
oriented mutual funds;
ix½ ekftZu VªsfMax ds fy, LV‚d czksdjksa dks foÙk Financing to stockbrokers for margin 'kwU; 'kwU;
trading; NIL NIL
x½ osapj dSfiVy QaM~l ds fy, lHkh ,Dlikstj All exposures to Venture Capital Funds 659-37 716-41
¼iath—r vkSj viath—r nksuksa½ (both registered and unregistered)
Total exposure to capital market

5. c) Risk category-wise country exposure
31-03-2023 dks dqy fuoy foÙkiksf"kr ,Dlikstj 52]827-59 djksM+

Crores. Total assets of the Bank as on 31.12.2022 were
gSA 31-12-2022 dks cSad dh dqy vkfLr 14]01]797 djksM+ Fkh] dqy
vkfLr dk 1% 14]017-97 djksM+ gSA cSad us ;w,l, ds fy, tksf[ke
dks 14]017-97 djksM+ ls ikj dj fn;k gS] vFkkZr 31-12-2022 dks Crores i.e. 1% of Total Assets of the Bank as on 31.12.2022.
cSad dh dqy vkfLr dk 1% blfy,] 31-03-2023 dks ns'k ds tksf[ke
tksf[ke ds lacaèk esa 11-82 djksM+ dk çkoèkku vko';d gS: country risk exposure as on 31.03.2023:
¼xr o"kZ% 31-03-2022 dks dqy fuoy foÙk iksf"kr ,Dlikstj 49214-90 (Previous year: Total Net Funded Exposure as on 31.03.2022
djksM+ FkkA 31-12-2021 dks cSad dh dqy vkfLr 1304849 djksM+ Fkh]
dqy vkfLr dk 1% 13048-49 djksM+ gSA cSad us la;qä vjc vehjkr
ds tksf[ke dks 13048-49 ls vfèkd dj fn;k vFkkZr 31-12-2021 dks
cSad dh dqy vkfLr dk 1%A blfy,] 31-03-2022 rd ns'k ds tksf[ke
tksf[ke ds lacaèk esa 28-94 djksM+ dk çkoèkku vko';d gSA is required with respect to country risk exposure as on
31.03.2022.
Risk ECGC Funded Provision Funded Provision

Category Rating Exposure held as Exposure held as
(net) as on 31.03. (net) as on 31.03.
on 31.03. 2023 on 31.03. 2022
2023 (Current 2022 (Previous
(Current Year) (Previous Year)
Year) Year)
A1 30344.40 11.82 24187.89 0.00
Low A2 21812.89 0.00 24563.04 28.94
ux.k; ,1 30344-40 11-82 24187-89 0-00
Moderately B1 275.02 418.66 0.00
de ,2 21812-89 0-00 24563-04 28-94 Low 0.00
lkekU; ls ch1 275-02 0-00 418-66 0-00 Moderate B2 394.25 14.60 0.00
0.00
de
Moderately C1 0.62 17.58 0.00
lkekU; ch2 394-25 0-00 14-60 0-00 High 0.00
High C2 0.41 0.00 13.13 0.00
lkekU; ls lh1 0-62 0-00 17-58 0-00
mPp Very High D 0.00 0.00 0.00 0.00
Total 52827.59 11.82 49214.90 28.94
mPp lh2 0-41 0-00 13-13 0-00
vfr mPp Mh 0-00 0-00 0-00 0-00 5.d) Unsecured advances
Particulars Current Previous

Year Year
¼jkf'k djksM+ esa½ Total Unsecured Advances of 151035.55 153867.56
the bank
Out of the above, amount of 6218.08 6128.09
cSad ds dqy vçfrHkwr vfxze 151035-55 153867-56 advances for which intangible
securities such as charge over
mijksä esa ls] vfxze dh jkf'k ftlds fy, vewrZ 6218-08 6128-09 the rights, licenses, authority,
çfrHkwfr;ka tSls vfèkdkj] ykblsal] çkfèkdj.k] etc. have been taken
vkfn ij çHkkj fy;k x;k gSA
Estimated value of such 11002.90 7992.59
,slh vewrZ çfrHkwfr;ksa dk vuqekfur ewY; 11002-90 7992-59 intangible securities
5. e). Factoring exposures
Factoring exposures (Under TReDS)
QSDVfjax ,Dlikstj ¼VhvkjbZMh,l ds varxZr½
¼jkf'k djksM+ esa½ Balance Outstanding Balance Outstanding

827.88 776.39
827-88 776-39
5. f) Intra-group exposures
Sl. Particulars Current Previous

¼jkf'k djksM+ esa½ No. Year Year
i) Total amount of intra- 8193.42 8494.13
group exposures
ii) Total amount of top 20 8193.42 8494.13
i½ baVªk&xzqi ,Dlikstj dh dqy jkf'k 8193-42 8494-13 intra-group exposures
iii) Percentage of intra- 0.71% 0.81%
ii½ 'kh"kZ 20 baVªk&xzqi ,Dlikstj dh 8193-42 8494-13
group exposures to total
dqy jkf'k exposure of the Bank on
iii½ mèkkjdrkZ@xzkgdksa ij cSad ds 0-71% 0-81% borrower/customers
dqy ,Dlikstj ds fy, baVªk&xzqi iv) Details of breach NA NA
,Dlikstj dk çfr'kr of limits on intra-
group exposures and
iv½ baVªk&xzqi ,Dlikstj vkSj fu;ked ykxw ugha ykxw ugha regulatory action, if any
dkjZokbZ] ;fn dksbZ gks] ij lhek ds
mYya?ku dk fooj.k
5.g) Unhedged foreign currency exposure
The Bank has framed a policy to manage Currency Induced
Credit Risk and has been incorporated in Bank’s Credit
cSad us eqæk mRçsfjr _.k tksf[ke ds çcaèku ds fy, ,d uhfr rS;kj Management & Risk Policy 2022-23 as follows:
dh gS vkSj bls cSad dh _.k çcaèku vkSj tksf[ke uhfr 2022&23 esa In terms of RBI guidelines, the Bank has framed a policy to
fuEukuqlkj 'kkfey fd;k x;k gS% manage currency induced credit risk and has incorporated the
same in bank’s current Credit Management & Risk Policy as
Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj] cSad us eqæk çsfjr _.k follows:
tksf[ke ds çcaèku ds fy, ,d uhfr rS;kj dh gS vkSj bls cSad dh “In terms of RBI guidelines, Bank monitors the currency
orZeku ØsfMV çcaèku vkSj tksf[ke uhfr esa fuEukuqlkj 'kkfey fd;k gS% wise Unhedged Foreign Currency Exposure in the books of
borrowers at quarter ends along-with the Annualized Earnings
ÞvkjchvkbZ ds fn'kkfunsZ'kksa ds vuqlkj] cSad C;kt vkSj ewY;ºzkl ls before Interest & Depreciation (EBID). The incremental
igys okf"kZd vk; ¼bZchvkbZMh½ ds lkFk frekgh ds var esa mèkkjdrkZ- provision (ranging from 0 to 80 bps on total credit exposure,
vksa dh cfg;ksa esa eqæk ds vuqlkj vjf{kr fons'kh eqæk ,Dlikstj dh over and above the standard asset provisioning) and capital
requirement will depend on likely loss (due to foreign currency
fuxjkuh djrk gSA o`f)'khy çkoèkku ¼ekud ifjlaifÙk çkoèkku ds
Åij dqy _.k ,Dlikstj dk 0 ls 80 chih,l rd½ vkSj iwath dh forex exposure in their books. Bank maintains separate charge
vko';drk laHkkfor uqdlku ¼fons'kh eqæk esa mrkj&p<+ko ds dkj.k½ and provisioning requirement on account of such exposures
ij fuHkZj djsxh] mèkkjdrkZvksa dks muds cfg;ksa esa muds vjf{kr fons'kh which may impact the cost to the borrowers. Appropriate
,Dlikstj ds dkj.k ftudk lkeuk djuk iM+ ldrk gSA cSad vyx
be made.”
çHkkj j[krk gS vkSj ,sls ,Dlikstj ds fy, tks mèkkjdrkZvksa dh ykxr
dks çHkkfor dj ldrk gS muds çkoèkku dh vko';drk gksrh gSA cSd a
ds foÙkh; fooj.kksa esa mfpr çdVhdj.k Hkh fd;k tk,xkA**
31.03.2023 31.03.2022
Incremental Provision 127.42 85.48
o`f)'khy çkoèkku¼?kjsyq½ 127-42 85-48 (Domestic)
o`f)'khy çkoèkku ¼fons'kh½ 4-93 & Incremental Provision 4.93 -
(Overseas)
dqy o`f)'khy çkoèkku 132-35 85-48 Total incremental 132.35 85.48
tksf[ke Hkkfjr vkfLr;ka 949-47 1237-12 Provision
¼vkjMCY;w,½ Risk Weighted Assets 949.47 1237.12
(RWA)
o`f)'khy iwath èkkfjr vkjM- 109-19 142-27
Incremental Capital held 109.19 142.27
CY;w, ¼@11-50%½
RWA (@11.50%)
cSad us vkjchvkbZ ifji= MhchvksMh-la-chih-chlh- 82@21-06- The Bank has estimated the liability for Unhedged Foreign
200@2013&14 fnukad 15 tuojh] 2014 ds ds vuqlkj vjf{kr fons'kh Currency Exposure in terms of RBI Circular DBOD.NO.BP.
eqæk ,Dlikstj ds fy, ns;rk dk vuqeku yxk;k gS vkSj 31-03-2023 BC.82/21.06.200/2013-14 dated January 15, 2014 and
dks 132-35 djksM+ dk çkoèkku j[kk gS ¼fiNys lky 85-48 djksM+½A

6. Concentration of deposits, advances, exposures
and NPAs
6. a) Concentration of deposits
¼jkf'k djksM+ esa½ Particulars Current Year Previous Year

Total deposits of the 59620.75 42104.47
twenty largest depositors
chl lcls cM+s tekdrkZvksa dh dqy tek 59620-75 42104-47
jkf'k Percentage of deposits 4.86% 3.79%
of twenty largest
cSad dh dqy tekjkf'k;ksa esa chl lcls cM+s 4-86% 3-79% depositors to total
tekdrkZvksa dh tekjkf'k;ksa dk çfr'kr deposits of the bank
uksV% mijksä tek vkadM+ksa esa cSad }kjk èkkfjr varj cSad tek 'kkfey ugha gSA .
6. b) Concentration of advances

Total advances to the 153698.47 139719.04
chl lcls cM+s mèkkjdrkZvksa dks dqy 153698-47 139719-04 twenty largest borrowers
vfxze Percentage of advances 17.37% 17.80%
to twenty largest
cSad ds dqy vfxzeksa esa chl lcls cM+s 17-37% 17-80%
borrowers to total
mèkkjdrkZvksa dks vfxzeksa dk çfr'kr
advances of the bank
6. c) Concentration of exposures
Year Year
chl lcls cM+s mèkkjdrkZvksa@xzkgdksa 194823-45 162628-84 Total exposure to the twenty 194823.45 162628.84
dks dqy ,Dlikstj largest borrowers/customers
mèkkjdrkZvksa@xzkgdksa dks cSad ds 16-87% 15-68% Percentage of exposures to 16.87% 15.68%
dqy ,Dlikstj esa chl lcls cM+s the twenty largest borrowers/
mèkkjdrkZvksa@xzkgdksa ds ,Dlikstj dk customers to the total
çfr'kr exposure of the bank on
borrowers/customers
6. d). Concentration of NPAs

Year Year
Total Exposure to the top 14311.77 19398.37
'kh"kZ chl ,uih, [kkrksa esa dqy 14311-77 19398-37 twenty NPA accounts
,Dlikstj
Percentage of exposures 18.51% 20.98%
dqy ldy ,uih, esa chl lcls cM+s 18-51% 20-98% to the twenty largest NPA
,uih, ,Dlikstj ds ,Dlikstj dk exposure to total Gross
çfr'krA NPAs.
7. Derivatives
7. a) Interest rate swap

Year Year
i) The notional principal of 745.00 385.00
i) vnykcnyh djkjksa dk dfYir fl)kar 745-00 385-00
swap agreements
ii) ;fn dkmUVj ikfVZ;ka le>kSrksa ds rgr 0-23 0-40 ii) Losses which would be 0.23 0.40
vius nkf;Roksa dks iwjk djus esa foQy incurred if counterparties
jgha] muls gksus okyk uqdlku
obligations under the
agreements
iii) vnykcnyh esa 'kkfey gksus ij cSad ksa 'kwU; 'kwU;
}kjk visf{kr laikf'kZ~od çfrHkwfr iii) Collateral required by the NIL NIL
bank upon entering into
iv) vnykcnyh ds dkj.k mRiUu _.k 'kwU; 'kwU; swaps
tksf[ke$ iv) Concentration of credit NIL NIL
risk arising from the
v) vnykcnyh cgh dk mfpr ewY;@ &2-5804 &2-3859 swaps$
v) The fair value of the swap -2.5804 -2.3859
$ ;s lHkh vnykcnyh lkS ns cSad vkS j ,QvkbZ ds lkFk gSa book@
@ ;s lHkh LoSi lkSn s Vª sfMax LoSi gSa vkS j mfpr ewY ; bldk ekdZ $All these swap deals are with Banks and FI.
Vw ekdsZV oSY;w gS
@All these swaps deals are Trading swap and the fair value
mijksä VªsM baVjcSad ds lkFk 745-00 djksM+ ¼fiNys o"kZ 385-00 is its mark to market value
djksM+½ vkSj foÙkh; laLFkku ds lkFk 'kwU; ¼fiNys o"kZ 'kwU;½ ds The above Trades are Interest rate Swap Deal done with
fy, fd, x, C;kt nj LoSi lkSns gSaA
pkyw o"kZ ds fy, ØsfMV tksf[ke ¼ØsfMV ,Dlikstj½ 4-08 djksM+

¼fiNys o"kZ 2-70 djksM+½ gSA
dqy 40 Mhy dh xbZ ftlesa ls 0 Mhy cSd Vw cSd Mhy] 2 Mhy tgk¡ There are total 40 deals out of which 0 deals are Back to Back
fuf'pr lafonk nj ij Hkqxrku fd;k x;k rFkk ¶yksfVax nj ij çkIr Deals, 2 Deals where payment is made at Fixed Contract
fd;k x;k vkSj 'ks"k 38 Mhy esa ¶yksfVax nj ij Hkqxrku fd;k x;k rate and received at Floating rate and in remaining 38 deals,
payment is made at Floating Rate and received at Fixed
vkSj fuf'pr lafonk nj ij çkIr fd;k x;kA Contract rate”.
7. b) Exchange traded interest rate derivatives

Sr. Current Previous
Particulars
No. Year Year
Notional principal amount
i½ o"kZ ds nkSjku ,Dlpsat VªsfMax okys C;kt 'kwU; 'kwU; of exchange traded interest
nj O;qRiUu dh vuqekfud ewy jkf'k rate derivatives undertaken
i) NIL NIL
¼fy[krokj½ during the Year (instrument
,½ C;kt nj ok;nk wise)
a) Interest Rate Futures
ii½ 31 ekpZ] 2022 dh fLFkfr ds vuqlkj 'kwU; 'kwU;
Notional principal amount
cdk;k ,Dlpsat VªsfMax okys C;kt
of exchange traded interest
nj O;qRiUu dh vkuqekfud ewy jkf'k
rate derivatives outstanding
¼fy[krokj½ ii)
as on 31st March 2022
NIL NIL
,½ C;kt nj ok;nk (instrument wise)
iii½ cdk;k ,Dlpsat VªsfMax okys C;kt 'kwU; 'kwU; a) Interest Rate Futures
nj O;qRiUu dh vkuqekfud ewy jkf'k Notional principal amount
rFkk tks ^^vR;fèkd çHkkoh** ugha gS of exchange traded interest
¼fy[krokj½ iii) rate derivatives outstanding NIL NIL
iv½ ,Dlpsat VªsfMax okys C;kt nj 'kwU; 'kwU;
MsfjosfVOt dh vkuqekfud ewy jkf'k (instrument wise)
dk cdk;k cktkj Hkko ij vafdr ewY; Mark to market value of
¼ekdZ&Vw&ekdsZV½ tks ^^vR;fèkd çHkkoh** exchange traded interest
ugha gS ¼fy[krokj½ iv) rate derivatives outstanding NIL NIL
(instrument wise)
i 7. c) Disclosures on risk exposure in derivatives

7.c). i). Qualitative disclosures
cSad vius Lo;a ds rqyu i= enksa dh cpko&O;oLFkk rFkk dkjksckjh The Bank uses derivatives products for hedging its own
mís';ksa ds fy, O;qRiUuh mRiknksa dk mi;ksx djrk gSA O;qRiUuh balance sheet items as well as for trading purposes. The risk
ifjpkyu dk tksf[ke çcaèku ,d ofj"B dk;Zikyd ds usr`Ro esa gksrk management of derivative operation is headed by a senior
gS] tks vkuqØfed dk;ksaZ ls Lora=] 'kh"kZ çcaèku dks fjiksVZ djrk gSA executive, who reports to top management, independent of
dkjksckj dh fLFkfr dks nSfud vkèkkj ij cktkj Hkko ij vafdr fd;k the line functions. Trading positions are marked to market on
tkrk gSA daily basis.
The derivative policy is framed by Integrated Risk Management

O;qRiUuh uhfr dks ,dh—r tksf[ke çcaèku çHkkx }kjk rS;kj fd;k tkrk
Division, which includes measurement of credit risk and
gS] ftlesa _.k tksf[ke ,oa cktkj tksf[ke dk ekiu 'kkfey gSA
market risk.
rqyu i= çcaèku ds fy, cpko&O;oLFkk okys ysunsu fd, tkrs gSaA The hedge transactions are undertaken for balance sheet
tksf[keksa dh fjiksfVaZx ,oa fuxjkuh ds fy, mfpr ç.kkyh fo|eku management. Proper system for reporting and monitoring
gSA cpko&O;oLFkk ds fy, uhfr ,oa mldh fuxjkuh gsrq çfØ;k,a of risks are in place. Policy for hedging and processes for
fo|eku gSaA monitoring the same is in place.
cpko&O;oLFkk ,oa xSj& cpko&O;oLFkk ysunsu fjd‚MZ djus ds fy, Accounting policy for recording hedge and non-hedge
ys[kkadu uhfr fo|eku gS] ftlesa vk;] çhfe;e ,oa NwV dh igpku transactions are in place, which includes recognition of
income, premiums and discounts.
'kkfey gSA
Valuation of outstanding contracts, provisioning, collateral
cdk;k vuqcaèkksa] çkoèkkuhdj.k] laikf'kZ~od dk ewY;kadu ,oa _.k and credit risk mitigation are being done.
tksf[ke dk U;wuhdj.k fd;k tk jgk gSA
ii 7.c). ii) Quantitative disclosures

Previous
Current Year
Year
Sr.
Particulars
No
, O;RiUuh Derivatives (Notional

¼vuqekfur ewyèku jkf'k½ Principal Amount)
a)
i½ cpko&O;oLFkk ds fy, 0-00 0-00 0-00 0-00 i) For hedging 0.00 0.00 0.00 0.00
ii½ dkjksckj ds fy, 0-00 745-00 0-00 385-00 ii) For trading 0.00 745.00 0.00 385.00
Marked to Market
ch cktkj dh fLFkfr ds fy, fpfàr Positions
cpko&O;oLFkk Hedging
i) Asset (+) 0.00 0.00 0.00 0.00
i½ vkfLr (+) 0-00 0-00 0-00 0-00
b) ii) Liability (-) 0.00 0.00 0.00 0.00
ii½ ns;rk ¼&½ 0-00 0-00 0-00 0-00
Trading
dkjksckj i) Asset (+) 0.00 0.00 0.00 0.00
i½ vkfLr (+) 0-00 0-00 0-00 0-00
ii) Liability (-) 0.00 -2.5804 0.00 -2.3859
ii½ ns;rk ¼&½ 0-00 &2-5804 0-00 &2-3859
lh [1] c) Credit Exposure 0.00 4.0817 0.00 2.7050
_.k ,Dlikstj 0-00 4-0817 0-00 2-7050
C;kt nj esa ,d çfr'kr Likely impact of one
percentage change in
ifjorZu dk laHkkfor çHkko interest rate (100*PV01)
d)
Mh
i½ gsftax MsfjosfVOl ij 0-00 0-00 0-00 0-00 i) on hedging derivatives 0.00 0.00 0.00 0.00
ii½ dkjksckj MsfjosfVOl ij 0-00 2-13 0-00 2-53 ii) on trading derivatives 0.00 2.13 0.00 2.53
bZ o"kZ ds nkSjku ns[ks x, vfèkdre Maximum and Minimum

of 100* PV01 observed
vkSj U;wure during the year
i½cpko& vfèkdre 0-00 0-00 0-00 0-00 i) on maximum 0.00 0.00 0.00 0.00
e) hedging minimum 0.00 0.00 0.00 0.00
O;oLFkk ij U;wure 0-00 0-00 0-00 0-00
maximum 0.00 3.94 0.00 0.30
vfèkdre 0-00 3-94 0-00 0-30 i) on
i½ dkjksckj ij trading minimum 0.00 2.13 0.00 -2.70
U;wure 0-00 2-13 0-00 &2-70
cSad us Hkkjrh; fjtoZ cSad ds funsZ'kksa ds vuqlkj O;qRiUuh mRiknksa ds
1 1
Banks adopt the Current Exposure Method on Measurement
ØsfMV ,Dlikstj ds ekiu ij orZeku ,Dlikstj i)fr dks viuk;k of Credit Exposure of Derivative Products as per Reserve
gSA Bank of India instructions.
7. d) Credit default swaps
Since the Bank is not using any proprietary pricing model
pwafd cSad _.k pwd vnyk&cnyh ¼ØsfMV fMQ‚YV LoSi½ vuqcaèkksa ds for pricing Credit default swaps contracts, and it is over the
ewY; fuèkkZj.k ds fy, fdlh LokfeRo okys ewY; fuèkkZj.k e‚My dk counter contract (OTC), the price is determined by the market
mi;ksx ugha dj jgk gS] ,oa ;g dkmaVj vuqcaèk ¼vksVhlh½ ij vkèkkfjr dynamics.
gS ftles cktkj dh xfr'khyrk }kjk dher fuèkkZfjr dh tkrh gSA As such no disclosure is to be made in terms of extant RBI
guidelines for Current & Previous year.
bl çdkj] orZeku ,oa fiNys o"kZ ds fy, vkjchvkbZ ds ekStnw k fn'kk-
funsZ'kksa ds vuqlkj dksbZ çdVhdj.k ugha fd;k x;k gSA 8. Disclosures relating to securitization
Simple,
Transparent
¼la[;kèjkf'k djksM+ esa½ Non-STC
Sr. and
Particulars transactions
No Comparable
(STC)
31.03. 2023 31.03. 2022 31.03. 2023 31.03. 2022
No of SPEs holding
31-03-2023 31-03-2022 31-03-2023 31-03-2022 assets for securitization
1- çorZd }kjk mRiUu çfrHkw- 'kwU; 'kwU; 'kwU; 'kwU; transactions originated
frdj.k ysunsu ds fy, vk- by the originator
1. NIL NIL NIL NIL
fLr j[kus okys ,lihbZ dh (only the SPVs
la[;k ¼;gka dsoy cdk;k relating to outstanding
securitization exposures
çfrHkwfrdj.k tksf[keksa ls
to be reported here)
lacafèkr ,lihoh dks
fjiksVZ fd;k tkuk gS½ Total amount of
2. securitized assets as per NIL NIL NIL NIL
books of the SPEs
2- ,lihbZ dh cfg;ksa ds 'kwU; 'kwU; 'kwU; 'kwU;
vuqlkj çfrHkwfr—r Total amount of
vkfLr;ksa dh dqy jkf'k exposures retained by
3. the originator to comply NIL NIL NIL NIL
3- rqyu i= dh rkjh[k dks 'kwU; 'kwU; 'kwU; 'kwU; with MRR as on the date
,evkjvkj dk vuqikyu of balance sheet
djus ds fy, çorZd
}kjk j[ks x, ,Dlikstj dh
dqy jkf'k exposures
NIL NIL NIL NIL
• First loss
,½ rqyu&i= esa u vkus 'kwU; 'kwU; 'kwU; 'kwU; • Others
okys ,Dlikstj
çFke gkfu b) On-balance sheet
vU; exposures
NIL NIL NIL NIL
• First loss
ch½ rqyu&i= ij • Others
'kwU; 'kwU; 'kwU; 'kwU;
,Dlikstj çFke gkfu
Amount of exposures
4- ,evkjvkj ds vykok vU; 'kwU; 'kwU; 'kwU; 'kwU; to securitisation
çfrHkwfrdj.k ysunsu ds fy, 4. NIL NIL NIL NIL
transactions other than
tksf[ke dh jkf'k MRR
,½ rqyu&i= esa u vkus 'kwU; 'kwU; 'kwU; 'kwU;

okys ,Dlikstj
exposures
i½ Lo& çfrHkwfrdj.k ds i) Exposure to own
fy, ,Dlikstj securitisations
izFke gkfu • First loss
NIL NIL NIL NIL
vU; • Others
ii½ r`rh; i{k ds çfrHkw- ii) Exposure to third
frdj.k ds fy, ,Dlikstj party securitizations
çFke gkfu • First loss
vU; • Others
Simple,
Transparent
Non-STC
Sr. and
Particulars transactions
No Comparable
(STC)
31-03-2023 31-03-2022 31-03-2023 31-03-2022
31.03. 2023 31.03. 2022 31.03. 2023 31.03. 2022
ch½ rqyu&i= esa vkus okys 'kwU; 'kwU; 'kwU; 'kwU;

b) On-balance sheet
,Dlikstj exposures
i½ Lo& çfrHkwfrdj.k ds i) Exposure to own
fy, ,Dlikstj securitisations
izFke gkfu • First loss
NIL NIL NIL NIL
vU; • Others
ii½ r`rh; i{k ds çfrHkw- ii) Exposure to third
frdj.k ds fy, ,Dlikstj party securitizations
çFke gkfu • First loss
vU; • Others
5- çfrHkwfr—r vkfLr;ksa ds fy, Sale consideration

received for the
çkIr fcØh çfrQy ,oa
5. securitised assets and NIL NIL NIL NIL
çfrHkwfrdj.k ds dkj.k fcØh
gain/loss on sale on
ij ykHk@gkfu account of securitisation
6- pyfufèk lg;ksx] Form and quantum

iksLV& (outstanding value) of
flD;ksfjVkbts'ku ,lsV services provided by
6. NIL NIL NIL NIL
lfoZflax vkfn ds ekè;e ls way of liquidity support,
çnku dh tkus okyh lsokvksa post-securitisation asset
dk Lo:i ,oa ek=k ¼cdk;k servicing, etc.
ewY;½ Performance of facility
7- çnku dh xbZ lqfoèkk dk 'kwU; 'kwU; 'kwU; 'kwU; provided, please
dk;Zfu"iknu] —i;k çR;sd provide separately for
lqfoèkk tSls _.k o`f)] each facility viz. Credit
pyfufèk lgk;rk] lfoZflax enhancement, liquidity
,tsVa vkfn ds fy, vyx support, servicing agent
7. NIL NIL NIL NIL
ls fooj.k çnku djsaA çnku etc. Mention percent in
bracket as of total value
dh xbZ lqfoèkk ds dqy
of facility provided.
ewY; ds vuqlkj dks"Bd esa (a) Amount paid
çfr'kr dk mYys[k djsaA (b) Repayment received
(c) Outstanding amount
8- foxr esa ns[ks x, 'kwU; 'kwU; 'kwU; 'kwU;
iksVZQksfy;ks dh vkSlr pwd Average default rate of
portfolios observed in
njA —i;k çR;sd vkfLr
the past. Please provide
oxZ vFkkZr vkj,ech,l] 8. NIL NIL NIL NIL
breakup separately for
okgu _.k vkfn ds fy, each asset class i.e.
vyx ls czsdvi çnku djsaA RMBS, Vehicle Loans etc.
9- leku varfuZfgr vkfLr ij 'kwU; 'kwU; 'kwU; 'kwU; Amount and number
fn, x, vfrfjä@V‚i vi of additional/top up
_.k dh jkf'k ,oa la[;kA loan given on same
—i;k çR;sd vkfLr oxZ underlying asset.
9. NIL NIL NIL NIL
Please provide breakup
;kuh vkj,ech,l] okgu
separately for each
_.k vkfn ds fy, vyx ls asset class i.e. RMBS,
czsdvi çnku djsaA Vehicle Loans etc.
Investor complaints
10- fuos'kd dh f'kdk;rsa 'kwU; 'kwU; 'kwU; 'kwU;
(a) Directly / Indirectly
,½ çR;{k@vçR;{k :i ls
10. received and NIL NIL NIL NIL
çkIr ,oa (b) Complaints out
ch½ yafcr f'kdk;rsa standing
required to be consolidated as per accounting
norms)
Name of the SPV sponsored
?kjsyw fons'kh ?kjsyw fons'kh Domestic Overseas Domestic Overseas
'kwU; 'kwU; 'kwU; 'kwU; NIL NIL NIL NIL
10. Transfers to Depositor Education and Awareness

Fund (DEA Fund)

No. Particulars Year Year
i½ MhbZ, QaM esa varfjr jkf'k 5069-32 4485-80 i) Opening balance of amounts 5069.32 4485.80
dk çkjafHkd 'ks"k transferred to DEA Fund
ii½ tksM+% o"kZ ds nkSjku MhbZ, 370-09 665-21 Add: Amounts transferred to DEA
dks"k esa varfjr jkf'k ii) Fund during the Year 370.09 665.21
iii½ deh% o"kZ ds nkSjku nkoksa 93-44 81-69

Less: Amounts reimbursed by
ds fy, MhbZ, QaM }kjk iii) DEA Fund towards claims during 93.44 81.69
çfriwfrZ dh xbZ jkf'k the Year
iv½ MhbZ, QaM esa varfjr 5345-97 5069-32 Closing balance of amounts
iv) 5345.97 5069.32
jkf'k;ksa dk vafre 'ks"k transferred to DEA Fund
11. Disclosure of complaints

a) Summary Information on Complaints received by the bank from customers

Particulars
No. Year Year
Complaints received by the bank from its customers
Number of complaints pending at beginning
1. 4200 27282
1- o"kZ dh 'kq#vkr esa yafcr f'kdk;rksa dh la[;k 4200 27282 of the year
2. Number of complaints received during the Year 493141 619507
2- o"kZ ds nkSjku çkIr f'kdk;rksa dh la[;k 493141 619507
Number of complaints disposed during the Year 494581 642589
3- o"kZ ds nkSjku fuLrkfjr f'kdk;rksa dh la[;k 494581 642589 3. Of which, number of complaints
3.1 131745 149163
3-1 ftuesa ls] cSad }kjk fujLr dh xbZ 131745 149163 rejected by the bank
f'kdk;rksa dh la[;k Number of complaints pending at the end
4. 2760 4200
of the Year
4- o"kZ ds var esa yafcr f'kdk;rksa dh la[;k 2760 4200
Number of maintainable complaints received

5. 9384 16249
5- cSad dks yksdiky ds dk;kZy; ls çkIr vuqj{k.kh; 9384 16249
f'kdk;rksa dh la[;k Of 5, number of complaints resolved
5-1 5 esa ls] yksdiky dk;kZy; }kjk cSad ds 3340 15193 5.1 3340 15193
i{k esa fuiVkbZ xbZ f'kdk;rksa dh la[;k Ombudsman
Of 5, number of complaints resolved
5-2 5 esa ls] yksdiky dk;kZy; }kjk tkjh 6042 785 through conciliation/mediation/
lqyg@eè;LFkrk@ijke'kZ ds ekè;e ls 5.2 6042 785
lqy>kbZ xbZ f'kdk;rksa dh la[;k Ombudsman
5-3 5 esa ls] cSad ds f[kykQ yksdiky dk;kZy; 2 2 Of 5, number of complaints resolved
}kjk fu.kZ; ikfjr djus ds ckn gy dh xbZ 5.3 2 2
f'kdk;rksa dh la[;k Ombudsman against the bank
Number of Awards unimplemented within the
6- fuèkkZfjr le; ds Hkhrj ykxw ugha fd, x, 0 0 6. 0 0
stipulated time (other than those appealed)
fu.kZ;ksa dh la[;k ¼vihy ds vykok½
uksV% vuqj{k.kh; f'kdk;rsa ,dh—r yksdiky ;kstuk] 2021 ¼iwooZ rhZ cSafdax yksdiky ;kstuk] 2006½ esa
mentioned in Integrated Ombudsman Scheme, 2021 (Previously Banking
fo'ks"k :i ls mfYyf[kr vkèkkjksa ij f'kdk;rksa dks lanfHkZr djrh gSa ,oa ;kstuk ds nk;js esa vkrh gSAa Ombudsman scheme, 2006) and covered within the ambit of the scheme.
*
1 2 3 4 5 6
orZeku o"kZ
,Vh,e@MsfcV dkMZ 3342 382662 &24-12 1551 0
[kkrk [kksyuk@[kkrksa ds 235 34976 3-02 303 3
ifjpkyu esa dfBukbZ
baVjusV @ eksckby @ 27 9208 &39-48 23 0
bysDVª‚fud cSafdax
_.k ,oa vfxze 60 6270 23-57 128 3
ofj"B ukxfjdksa@fnO;kaxksa ds 1 7002 147-68 106 0
fy, isa'ku ,oa lqfoèkk,a
vU; 535 53023 &8-78 649 24
dqy 4200 493141 &20-40 2760 30
,Vh,e@MsfcV dkMZ 20905 504312 &57-92 3342 0

[kkrk [kksyuk@[kkrksa ds 2165 33950 21-42 235 0
ifjpkyu esa dfBukbZ
baVjusV @ eksckby @ 320 15216 2-21 27 0
bysDVª‚fud cSafdax
_.k ,oa vfxze 380 5074 &5-35 60 0
ofj"B ukxfjdksa@ fnO;kaxksa 232 2827 &17-46 1 0
ds fy, isa'ku ,oa
lqfoèkk,a
vU; 3280 58128 3-38 535 2
*27tuojh] 2021 ds ifji= ds ifjf'k"V 1 esa çnku dh xbZ f'kdk;rksa ds vkèkkj dh igpku
djus ds fy, ekLVj lwph ds vuqlkj 'cSadksa ds f'kdk;r fuokj.k ra= dks etcwr djuk'
1- cSafdax fofu;eu vfèkfu;e 1949 dh èkkjk 46¼4½¼i½ ds lkFk ifBr èkkjk 47, ¼1½¼lh½ ds rgr çnÙk 'kfä;ksa dk ç;ksx djrs gq,]
vkjchvkbZ us cSad ij¼vkns'k fnukad 07 twu ] 2021½
,- èkks[kkèkM+h dh fjiksfVaZx esa nsjh ¼2017&18 ds nkSjku 143 ekeys vkSj 2018&19 ds nkSjku 145 ekeys½(
vkSj
'kwU; ch- lhvkjvkbZ,ylh IysVQ‚eZ ij@vkjchvkbZ dks MsVk tek djrs le; MsVk lVhdrk vkSj v[kaMrk lqfuf'pr ugha djuk ¼o"kZ
2017&18 ds nkSjku 42 ekeys vkSj 2018&19 ds nkSjku 46 ekeys½ ds fy,A
2- cSafdax fofu;eu vfèkfu;e 1949 dh èkkjk 46¼4½¼i½ vkSj 51¼1½ ds lkFk ifBr èkkjk 47, ¼1½¼lh½ ds rgr çnÙk 'kfä;ksa dk ç;ksx
djrs gq, vkjchvkbZ us cSafdax fofu;eu vfèkfu;e 1949 dh èkkjk 19¼2½ ds çkoèkkuksa tSls pkj ¼04½ mèkkjdrkZ daifu;ksa esa 'ks;j
j[kus ds fy, pqdrk mu daifu;ksa dh iwath 'ks;j ds 30% ls vfèkd dh jkf'k ds fxjoh ds :i esa j[kus ds mYya?ku esa ¼vkns'k
fnukad 15 fnlacj 2021½ cSad ij dqy 1-80 djksM+ ¼,d djksM+ vLlh yk[k #i,½ dk tqekZuk yxk;kA
% Increase/
Number of Number of Of 5, number
Number of decrease in
complaints complaints of complaints
Grounds of complaints, (i.e. complaints the number
pending at the pending at pending
complaints relating to) received of complaints
beginning of the end of beyond 30
during the Year received over the
the year the Year days
Previous year
1 2 3 4 5 6
Current Year
ATM/ Debit cards 3342 382662 -24.12 1551 0
235 34976 3.02 303 3

operations of accounts
Internet/ Mobile/ Electronic
27 9208 -39.48 23 0
banking
Loans and Advances 60 6270 23.57 128 3
Pension and facilities for senior
1 7002 147.68 106 0
Others 535 53023 -8.78 649 24

Total 4200 493141 -20.40 2760 30
Previous Year
ATM/Debit cards 20905 504312 -57.92 3342 0
2165 33950 21.42 235 0

operations of accounts
Internet/ Mobile/ Electronic
320 15216 2.21 27 0
banking
Loans and Advances 380 5074 -5.35 60 0
Pension and facilities for senior
232 2827 -17.46 1 0
Others 3280 58128 3.38 535 2

Total 27282 619507 -52.57 4200 2
*As per Master List for identifying grounds of complaints as provided in Appendix 1 to circular CEPD.CO.PRD.Cir.
No.01/13.01.013/2020-21 dated January 27, 2021 on ‘Strengthening the Grievance Redress Mechanism of Banks’.
12. Disclosure of penalties imposed by the Reserve Bank of India
12. i) Banking Regulation Act 1949
Sl. Current
Previous Year
No. Year
In exercise of powers conferred under section 47A (1)(c) read with sections 46(4)(i) of the Banking Regulation
on Bank pertaining to ISE 2018 & 2019, for

1. a. Delay in reporting of frauds (143 cases during 2017-18 & 145 cases during 2018-19);
AND
NIL b. Not ensuring data accuracy and integrity while submitting data on CRILC platform / to RBI (42 instances
during 2017-18 & 46 instances during 2018-19).
In exercise of powers conferred under section 47A (1)(c) read with sections 46(4)(i) & 51(1) of the Banking
2. only) on bank for holding shares in four (04) borrower companies, as pledgee, of an amount exceeding
30% of paid-up share capital of those companies in contravention of provisions of section 19(2) of Banking
Regulation Act ,1949 (Order dated December 15, 2021)
ii 12. ii) Payment and Settlement System Act, 2007:
Sl. No. Current Year Previous Year
1- 'kwU; 'kwU; 1. NIL NIL
iii 12. iii) Government Securities Act, 2006 (Bouncing

of SGL):
Sl. No. Current Year Previous Year
1- 'kwU; 'kwU; 1. NIL NIL
12. (iv) Disclosure relating to default under reverse

iv
repo transaction:
¼jkf'k djksM+ es½a

Quantum of Quantum of
Hkkjrh; fjt+oZ Hkkjrh; fjt+oZ Number
penalty paid Number of penalty paid
mnkgj.kksa dh cSad dks Hkqxrku mnkgj.kksa dh cSad dks Hkqxrku of
to Reserve instances to Reserve
la[;k fd, x, naM la[;k fd, x, naM dh instances
Bank of India Bank of India
dh ek=k ek=k
NIL NIL NIL NIL
13. Disclosure on remuneration of Whole Time

Current Previous
Name Designation
Jh vrqy dqekj xks;y çcaèk funs'kd rFkk 0-48 0-10 Year Year
eq[; dk;Zikyd Shri Atul Kumar Managing
0.48 0.10
vfèkdkjh Goel Director & CEO
Jh lh,p-,l- ,l- iwoZ çcaèk funs'kd 0-00 0-84 Shri CH SS Ex- Managing
efYydktqZu jko rFkk eq[; 0.00 0.84
Mallikarjuna Rao Director & CEO
dk;Zikyd vfèkdkjh
Shri Mukesh
Jh eqds'k dqekj tSu HkwriwoZ cSadksa ds iwoZ 0-00 0-01 0.00 0.01
Kumar Jain Ex- Managing
çca/k funs'kd vkSj Director & CEO of
Jh v'kksd dqekj çèkku lhbZvks 0-00 0-01 Shri Ashok Kumar erstwhile Banks
0.00 0.01
Pradhan
Jh fot; nqcs dk;Zikyd funs'kd 0-42 0-32 Shri Vijay Dube Executive Director 0.42 0.32
Jh dY;k.k dqekj dk;Zikyd funs'kd 0-35 0-14 Shri Kalyan Kumar Executive Director 0.35 0.14
Shri Binod Kumar Executive Director 0.13 0.00
Jh fcuksn dqekj dk;Zikyd funs'kd 0-13 0-00
Shri M
Jh ,e ijef'koe dk;Zikyd funs'kd 0-12 0-00 Executive Director 0.12 0.00
Paramasivam
Jh lat; dqekj iwoZ dk;Zikyd 0-91 0-32 Shri Sanjay Kumar
Ex Executive
0.91 0.32
funs'kd Director
Shri Swarup Ex Executive
Jh Lo#i dqekj lkgk iwoZ dk;Zikyd 0-13 0-39 0.13 0.39
Kumar Saha Director
funs'kd
Jh jkts'k dqekj iwoZ dk;Zikyd 0-00 0-01 Shri Rajesh Kumar Ex Executive
0.00 0.01
Yaduvanshi Director
;nqoa'kh funs'kd
Jh vKs; dqekj vktkn iwoZ dk;Zikyd 0-00 0-59 Shri Agyey Kumar Ex Executive
0.00 0.59
Azad Director
funs'kd
Jh cky —".k vYls iwoZorhZ cSad ds iwoZ 0-00 0-01 Ex Executive
Shri Bal Krishna
dk;Zikyd funs'kd Director of 0.00 0.01
Alse
erstwhile Bank
Total 2.54 2.74
14. Other Disclosure
14. a) Business ratios
Particular Current Previous
Year Year
dk;Z'khy fufèk ds çfr'kr ds :i esa C;kt vk; 6-07% 5-59% Interest Income as a percentage to 6.07% 5.59%
Working Funds
dk;Z'khy fufèk ds çfr'kr ds :i esa 0-87% 0-92%
xSj&C;kt vk; Non-interest income as a percentage 0.87% 0.92%
to Working Funds
tek dh ykxr 4-10% 3-99% Cost of Deposits 4.10% 3.99%
fuoy C;kt ekftZu 3-06% 2-71% Net Interest Margin 3.06% 2.71%
dk;Z'khy fufèk ds çfr'kr ds :i esa 1-61% 1-55% 1.61% 1.55%
ifjpkyu ykHk Working Funds
Return on Assets 0.18% 0.26%
vkfLr;ksa ij çfrykHk 0-18% 0-26%
Business (deposits plus advances) 21.64 19.41
çfr deZpkjh O;kikj ¼tek vkSj vfxze½ 21-64 19-41
¼ djksM+ esa½
0.03 0.04
çfr deZpkjh ykHk ¼ djksM+ esa½ 0-03 0-04
14. b) Bancassurance business

Year Year
cSad }kjk fd, x, chek czksfdax] ,tsalh Details of Fees/ Brokerage earned
vkSj cSad,';ksjsal O;olk; ds lacaèk esa in respect of Insurance broking,
vftZr 'kqYd@czksdjst dk fooj.k agency and bancassurance
business undertaken by the bank
¼i½ thou chek O;olk;( (i) Life Insurance Business; 310.39 294.04
¼ii½ xSj&thou chek O;olk;( 310-39 294-04 (ii) Non-life Insurance Business; 118.00 100.59
¼iii½ çèkkuea=h thou T;ksfr chek 118-00 100-59 (iii) Prime Minister Jeevan Jyoti
;kstuk ¼ih,etstschokbZ½( 5-63 10-66 Bima Yojana (PMJJBY); 5.63 10.66
(iv) Prime Minister Suraksha Bima
¼iv½ çèkkuea=h lqj{kk chek ;kstuk 1-86 2-90 Yojna 1.86 2.90
TOTAL 435.88 408.19
¼jkf'k djksM+ esa½ 14. c) Marketing and distribution

Year Year
cSad }kjk fd, x, foi.ku vkSj forj.k dk;Z Details of Fee/remuneration
¼cSad,';ksjsal O;olk; dks NksM+dj½ ds lacaèk received in respect of the marketing
and distribution function (excluding
esa çkIr 'kqYd@ikfjJfed dk fooj.k bancassurance business)
¼i½ E;wpqvy QaM O;kikj( 8-26 5-72 undertaken by the bank
¼ii½ vVy isa'ku ;kstuk ¼,ihokbZ½( 13-90 8-98 (i) Mutual Fund Business; 8.26 5.72
¼iii½ vkèkkj ij vk;@deh'ku( 3-32 6-28 (ii) Atal Pension Yojna (APY); 13.90 8.98
(iii) Income / Commission on
¼iv½ isa'ku( 114-45 117-27 Aadhar; 3.32 6.28
¼v½ dj vkSj vU;( 57-19 51-09 (iv) Pension; 114.45 117.27
¼vi½ ljdkjh tek ;kstuk( 17-78 18-68 (v) Taxes & Others; 57.19 51.09
¼vii½ djsalh psLV 2-96 1-68 (vi) Govt. Deposit Scheme; 17.78 18.68
(vii) Currency Chest 2.96 1.68
TOTAL 217.86 209.70
14. d) Disclosures regarding Priority Sector Lending
1 —f"k 8000-00 0-00 0-00 0-00

2 NksVs vkSj lhekar 10500-00 0-00 6000-00 0-00 1 Agriculture 8000.00 0.00 0.00 0.00
fdlku Small and
3 vfr y?kq m|ksx 0-00 2207-00 0-00 0-00 2 Marginal 10500.00 0.00 6000.00 0.00
Farmers
4 lkekU; 0-00 0-00 0-00 0-00
Micro
3 0.00 2207.00 0.00 0.00
Enterprises
[kjhns x, ih,l,ylh 175-50 10-51 133-94 'kwU; 4 General 0.00 0.00 0.00 0.00
ds fy, Hkqxrku fd;k TOTAL 18500.00 2207.00 6000.00 0.00
x;k 'kqYd ¼th,lVh
Fee Paid
dks NksM+dj½ for PSLCs
175.50 10.51 133.94 NIL
purchased
(Excluding GST)
14. e) Provisions and contingencies
i½ ,uihvkbZ ds fy, çkoèkku 173-22 348-50 Current Previous

ii½ ,uih, ds fy, çkoèkku 15902-82 14158-59 Account Year Year
i) Provisions for NPI 173.22 348.50
iii½ vk;dj ds fy, fd;k x;k çkoèkku ¼vuq"k- 1781-06 859-43
axh ykHk dj vkSj laifÙk dj lfgr½ ii) Provision towards NPA 15902.82 14158.59
Provision made towards Income Tax
iv½ ekud vkfLr;ksa ds fy, çkoèkku 1779-06 1255-26 iii) 1781.06 859.43
v½ vU; çkoèkku vksj vkdfLedrk,a fooj.k 385-39 683-08 iv) Provision towards Standard Assets 1779.06 1255.26
ds lkFk Other Provisions and
385.39 683.08
Contingencies (with details)
ekud &474-94 389-27 Current Previous

Detail
iqujZfpr Year Year
v)
,Qvk- Standard
bZVh,y Restructured
-474.94 389.27
lfgr including
FITL
vU;a 860-33 293-81
Others 860.33 293.81
dqy 20021-15 17304-86 TOTAL 20021.55 17304.86
14. f) Implementation of IFRS converged Indian

Accounting Standards (Ind AS)
The strategy for Ind AS implementation, including the progress
bl lacaèk esa gqbZ çxfr lfgr baM&,,l dk;kZUo;u dh j.kuhfr: made in this regard:
IND AS roadmap for scheduled commercial banks (excluding

^^vuqlwfpr okf.kfT;d cSadksa ¼{ks=h; xzkeh.k cSadksa dks NksM+dj½ chekdrkZvksa regional rural banks), insurers/insurance companies and non-
@ chek daifu;ksa vkSj xSj&cSafdax foÙkh; daifu;ksa ¼,uch,Qlh½ ds
fy, baM ,,l jksMeSi dks dsaæh; d‚iksZjVs ekeyksa ds ea=ky; ¼,elh,½
}kjk 18 tuojh 2016 dks çsl foKfIr ds ekè;e ls tkjh fd;k x;k dated 18 January 2016. IND AS was applicable to the Bank
FkkA foÙkh; o"kZ 2018&19 ls ykxw baM,,l dks ,elh, çsl foKfIr ds
vuqlkj] ftls vkjchvkbZ dh çsl foKfIr ¼2017&18@2642½ fnukad RBI’s Press Release (2017-18/2642) dated 5 April 2018. RBI
5 vçSy 2018 ds ekè;e ls foÙkh; o"kZ 2019&20 ds fy, LFkfxr dj has further deferred implementation of IND AS till further
fn;k x;k FkkA vkjchvkbZ us vius ifji= la[;k Mhchvkj@chih@ notice vide its Circular no DBR.BP.BC.No. 29/21.07.001/2018-
ua@29-21-07-001@2018&19 fnukad 22-03-2019 ds rgr vxyh lwpuk 19 dated 22.03.2019. The Bank accordingly, has appointed a
rd baM,l ds dk;kZUo;u dks vkSj LFkfxr dj fn;k gSA rnuqlkj] Consultant to assist in implementation of the Ind AS. The Audit
cSad us baM&,,l ds dk;kZUo;u esa lgk;rk ds fy, ,d lykgdkj dh Committee of the Board is being apprised of the progress
made from time to time. The Bank has a well-planned strategy
fu;qfä dh gSAcksMZ dh ys[kk ijh{kk lfefr dks le;≤ ij dh xbZ for Ind AS implementation and has made substantial progress
çxfr ls voxr djk;k tk jgk gSA baM&,,l ds dk;kZUo;u ds fy, in this regard. Further, Bank is submitting the Proforma Ind AS
cSad dh ,d lqfu;ksftr j.kuhfr gS vkSj bl lacaèk esa i;kZIr çxfr dh Financial Statements to the RBI as per prescribed periodicity.
gSA blds vykok] cSad fuèkkZfjr vofèk ds vuqlkj çksQkekZ baM ,,l
14. g) Payment of DICGC Insurance Premium
foÙkh; fooj.kh vkjchvkbZ dks çLrqr dj jgk gSA**

Particulars
¼jkf'k djksM+ esa½ No. Year Year
Payment of DICGC
i) 1591.50 1522.35
Insurance Premium
i½ MhvkbZlhthlh chek çhfe;e 1591-50 1522-35 Arrears in payment
dk Hkqxrku ii) NIL NIL
of DICGC premium
ii½ MhvkbZlhthlh çhfe;e ds 'kwU; 'kwU;
15. Other Disclosures with respect to certain
Hkqxrku esa cdk;k Accounting Standards
for the period, Prior Period Items and Change in

15-,½ ys[kk ekud 5 & vofèk ds fy, 'kq) ykHk ;k gkfu] iwoZ vofèk Accounting Policy:
dh ensa vkSj ys[kk uhfr esa ifjorZu% During the Current and Previous year there were no material
pkyw vkSj fiNys o"kZ ds nkSjku ys[kk ekud 5 ds varxZr çdVhdj.k prior period income/expenditure items requiring disclosure
dh vko';drk okyh dksbZ okLrfod iwoZ vofèk vk;èO;; ensa ugha FkhaA under Accounting Standard 5.
31 ekpZ] 2023 dks lekIr o"kZ ds fy, foÙkh; ifj.kke mUgha egRoiw.kZ
ys[kkadu uhfr;ksa vkSj çFkkvksa dk ikyu djrs gq, rS;kj fd, x, gSa]
ftudk ikyu 31 ekpZ] 2022 dks lekIr o"kZ ds fy, okf"kZd foÙkh; statements for the year ended March 31, 2022.
fooj.kksa esa fd;k x;k FkkA
March 31, 2022 have been prepared following the same
¼xr o"kZ% 31 ekpZ 2022 dks lekIr o"kZ ds foÙkh; ifj.kke mUgha Accounting Policies and practices as those followed in the
ys[kkadu uhfr;ksa vkSj ç.kkfy;ksa dk ikyu djrs gq, rS;kj fd, x,
gSa] ftudk ikyu 31 ekpZ 2021 dks lekIr o"kZ ds fy,] dsoy lk[k 2021, except recognition of commission on Letter of Credit
i= vkSj cSad xkjaVh ij deh'ku dh ekU;rk dks NksM+dj okf"kZd foÙkh;
fooj.kksa esa fd;k x;k FkkA 01 vçSy 2021 ls lk[k i= vkSj cSad xkjaVh commission on Letter of Credit and Bank Guarantee is
ij deh'ku dks vc rd çkfIr ds vkèkkj ij dh xbZ ekU;rk dh rqyuk recognised as revenue to the extent accrued for the period
as against recognition done on receipt basis hitherto. This
esa ml vofèk ds fy, vftZr jktLo ds :i esa ekU;rk nh xbZ gSA
ys[kkadu uhfr esa bl ifjorZu ds ifj.kkeLo:i 31 ekpZ 2022 dks
lekIr frekgh ds fy, dj iwoZ ykHk esa 11-67 djksM+ vkSj 31 ekpZ]
2022 dks lekIr o"kZ ds fy, 207-64 djksM+ dh deh gqbZ gSA 15. b) Accounting Standard 9 - Revenue Recognition
Certain items of income are recognized on realization basis
as per Accounting Policy No. 3.5. However, the said income is
vk; dh dqN enksa dks ys[kk uhfr la[;k 3-5 ds vuqlkj olwyh ds not considered to be material. (Previous year: Certain items of
vkèkkj ij ekU;rk nh tkrh gSA gkykafd] mä vk; dks HkkSfrd ugha income are recognized on realization basis as per Accounting
ekuk tkrk gSA ¼fiNys o"kZ% vk; dh dqN enksa dks ys[kk uhfr la[;k Policy No. 3.5. However, the said income is not considered to
be material).
3-5 ds vuqlkj olwyh ds vkèkkj ij ekU;rk nh tkrh gSA gkykafd] mä
vk; dks HkkSfrd ugha ekuk tkrk gS½A 15. c) Accounting Standard 10 - Properties, Plant
and Equipment.
Break-up of total depreciation for the FY ended March 31,
31 ekpZ] 2023 dks lekIr foÙk o"kZ ds fy, vkfLr;ksa ds çR;sd o"kZ ds 2023 for each class of assets:
fy, fd;s x, dqy ewY;ºzkl dk C;kSjk%
¼jkf'k djksM+ esa½ Class of assets Current Year Previous Year
Premises 201.97 178.45
547.79 576.96
ifjlj 201-97 178-45
Leased assets 0 0.00
vU; vpy laifÙk 547-79 576-96 Computer 146.80 133.20
iês ij nh xbZ laifÙk 0 0-00 software
Total 896.56 888.61
daI;wVj l‚¶Vos;j 146-80 133-20
Changes in foreign exchange rates:

Movement of Exchange Fluctuation Reserve
,Dlpsat fjtoZ esa mrkj&p<+ko

¼jkf'k djksM+ esa½ Year Year
Opening balance 419.43 392.20
Addition/Deduction during 6.05 5.42
çkjafHkd tek 419-43 392-20 the year due to change in
o"kZ ds nkSjku ykHk vkSj gkfu [kkrs esa ifjorZu 6-05 5-42
ds dkj.k tksM+@dVkSrh Addition/Deduction during 79.98 21.81
the year due to translation
laifÙk vkSj ns;rkvksa ds vuqokn ds dkj.k o"kZ 79-98 21-81 of Assets & Liabilities
ds nkSjku tksM+@dVkSrh
Deduction: Seed Capital / -275.35 0
dVkSrh% çkjfEHkd iwath@HkaMkj@gkaxdkax 'kk[kk &275-35 0 Reserves/Appropriation of
can gksus ij fofu;ksx Hong Kong Branch Closure
Closing Balance 230.11 419.43
ys[kk uhfr ds vuq:i vkSj ys[kk ekud & 15 ¼vkj½ ds vuqlkj] jkstxkj ykHkksa dh laf{kIr fLFkfr fuEuor gS:
rkfydk I & çeq[k chekafdd vuqeku vkSj bu ekU;rkvksa dk vkèkkj
31-03-2023 31-03-2022 31-03-2023 31-03-2022 31-03-2023 31-03-2022

cêk nj 7-45% 7-20% 7-45% 6-95% 7-45% 6-95%
;kstuk vkfLr;ksa ij 7-45% 7-20% 7-45% 6-95% 7-45% 6-95%
laHkkfor ykHk
osru esa o`f) dh nj 6-00% 6-00% 6-00% 6-00% 6-00% 6-00%
{k; nj % % % % % %
¼lHkh jkf'k #i, djksM+ esa½

II
isa'ku minku Nqêh udnhdj.k
vofèk dh 'kq#vkr esa nkf;Roksa dk orZeku ewY; 48456-97 46355-35 4078-52 4398-78 3629-66 3446-03
tksM+sa C;kt ykxr 3373-37 3065-43 251-26 254-87 211-89 187-67
tksM+sa pkyw lsok ykxr 375-38 488-52 224-09 247-10 366-95 331-28
tksM+sa fiNyh lsok ykxr 0-00 3093-95 0-00 0-00 0-00 0-00
?kVk,¡ çnÙk ykHk &3719-34 &4002-18 &624-34 &899-49 &603-71 &735-42
nkf;Roksa ij chekafdd gkfu @ ¼ykHk½ ¼larqyudkjh 691-14 &544-10 &93-95 77-26 186-84 400-10
vkadM+sa½
*ekpZ]2023 dks lekIr vofèk ds fy, nkf;Ro ds orZeku ewY; esa çLrkfor osru la'kksèku dk vkuqikfrd çHkko 'kkfey gSA
III
vofèk dh 'kq#vkr esa ;kstuk vkfLr;ksa dk mfpr 48147-78 46731-79 4071-40 4502-08 3122-19 2779-62
ewY;
tksM+sa ;kstuk vkfLr;ksa ij laHkkfor çfrQy 3351-11 3091-21 258-55 269-73 189-37 145-48
tksM+sa cSad }kjk çnÙk ;ksxnku 207-53 1228-41 305-76 153-30 638-07 839-99
tksM+sa fiNyh lsok ykxr ds fy, cSad }kjk çnr ;ksxnku 955-00 618-79 0-00 0-00 0-00 0-00
¼ikfjokfjd isa'ku ns;rk ij½
?kVk,¡ çnÙk ykHk &3719-34 &4002-18 &624-34 &899-49 &603-71 &735-42
?kVk,¡ chekafdd ¼gkfu½ @ ;kstukxr vkfLr;ksa ij ykHk 191-18 479-76 31-39 45-78 70-39 92-52
¼mfpr ewY;½
vofèk ds var esa ;kstuk vkfLr;ksa dk mfpr ewY; 49133-26 48147-78 4042-76 4071-40 3416-31 3122-19
DISCLOSURE IN ACCORDANCE WITH AS-15(R):
In line with the accounting policy and as per the Accounting Standard – 15(R), the summarized position of employment
TABLE I - Principal Actuarial Assumptions and the basis of these assumptions

Actuarial Assumptions PENSION GRATUITY LEAVE ENCASHMENT
31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Discount Rate 7.45% 7.20% 7.45% 6.95% 7.45% 6.95%
Expected Return on Plan
7.45% 7.20% 7.45% 6.95% 7.45% 6.95%
Assets
Rate of Escalation In salary 6.00% 6.00% 6.00% 6.00% 6.00% 6.00%
Attrition Rate 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
(All Amounts in Crores)
TABLE II - Changes in Present value of the obligation

PENSION GRATUITY LEAVE ENCASHMENT
31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Present value of Obligation
48456.97 46355.35 4078.52 4398.78 3629.66 3446.03
at the beginning of period
Add: Interest Cost 3373.37 3065.43 251.26 254.87 211.89 187.67
Add: Current Service Cost 375.38 488.52 224.09 247.10 366.95 331.28
Add: Past Service Cost 0.00 3093.95 0.00 0.00 0.00 0.00
Less: -3719.34 -4002.18 -624.34 -899.49 -603.71 -735.42
Actuarial loss / (gain) on
obligations (Balancing 691.14 -544.10 -93.95 77.26 186.84 400.10
Figure)
Present value of Obligation
49177.52 48456.97 3835.58 4078.52 3791.63 3629.66
as at the end of the period*
*Present value of obligation for the period ended as on Mar’23 includes the proportionate impact of impending wage revision.
TABLE III - Changes in the FV of the Plan Assets

31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Fair value of Plan Assets, at the 48147.78 46731.79 4071.40 4502.08 3122.19 2779.62
beginning of period
Add: Expected return on Plan assets 3351.11 3091.21 258.55 269.73 189.37 145.48
Add: Contributions paid by Bank 207.53 1228.41 305.76 153.30 638.07 839.99
Add: Contributions paid by Bank for 955.00 618.79 0.00 0.00 0.00 0.00
Past Service Cost (on Family
Pension liability)
Less: -3719.34 -4002.18 -624.34 -899.49 -603.71 -735.42
Less: Actuarial (loss) / gain on Plan 191.18 479.76 31.39 45.78 70.39 92.52
Assets (Balancing Figure)
Fair value of Plan Assets as at 49133.26 48147.78 4042.76 4071.40 3416.31 3122.19
the end of the period
;kstuk vkfLr;ksa ij laHkkfor çfrQy 3351-11 3091-21 258-55 269-73 189-37 145-48
tksM+sa chekafdd ¼gkfu½ è ;kstuk vkfLr;ksa ij ykHk 191-18 479-76 31-39 45-78 70-39 92-52
vofèk ds fy, nkf;Roksa ij chekafdd gkfu @ 691-14 &544-10 &93-95 77-26 186-84 400-10
¼ykHk½
vofèk ds fy, ;kstuk vkfLr;ksa ij chekafdd &191-18 &479-76 &31-39 &45-78 &70-39 &92-52
¼ykHk½@gkfu
vofèk ds fy, dqy ¼ykHk½ @ gkfu 499-96 &1023-86 &125-34 31-48 116-45 307-58
o"kZ ds var esa vufHkKkr chekafdd ¼ykHk½ @ gkfu & & & & & &
ekU; ykHk nkf;Ro dk orZeku ewY; 49177-52 48456-97 3835-58 4078-52 3791-63 3629-66
?kVk,¡ ;kstuk vkfLr;ksa dk mfpr ewY; 49133-26 48147-78 4042-76 4071-40 3416-31 3122-19
?kkVk @ ¼vfèk'ks"k½ 44-26 309-19 &207-18 7-12 375-32 507-47
?kVk,¡ xSj&ekU;rk çkIr fiNyh lsok ykxr ¼ikfjokfjd 0-00 1520-16 0-00 0-00 0-00 0-00
isa'ku ns;rk ij½
rqyu i= esa jkf'k & & & & & &

rqyu i= esa ekU;rk çkIr ns;rk 44-26 955-00 &207-18 7-12 375-32 507-47
rqyu&i= esa ekU;rk çkIr laifÙk ¼ikfjokfjd isa'ku & &2165-97 & & & &
ns;rk ij½
,,l&15 ¼vkj½ ds iSjk 55 ds varxZr fuèkkZfjr & & & & & &
udkjkRed jkf'k
Hkkoh va'knkuksa esa dVkSrh vkSj miyCèk Hkkoh dVkSrh & & & & & &
dk orZeku ewY;
,,l&15 ¼vkj½ ds iSjk 59 ¼ch½ ds vuqlkj ekU; & 2165-97 & & & &
vkfLr
TABLE IV - Actual Return on Plan Assets

31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Expected return on Plan Assets 3351.11 3091.21 258.55 269.73 189.37 145.48
Actuarial (loss) / gain on Plan
Add: 191.18 479.76 31.39 45.78 70.39 92.52
Assets
Actual Return on Plan Assets 3542.29 3570.97 289.94 315.51 259.76 238.00
TABLE V - Net Actuarial (Gain) / loss recognized

31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Actuarial loss / (gain) for the
691.14 -544.10 -93.95 77.26 186.84 400.10
period - Obligations
Actuarial (gain)/ loss for the
-191.18 -479.76 -31.39 -45.78 -70.39 -92.52
period - Plan Assets
Total (gain) /loss for the period 499.96 -1023.86 -125.34 31.48 116.45 307.58
Actuarial (gain) or loss
499.96 -1023.86 -125.34 31.48 116.45 307.58
recognized in the period
Unrecognized Actuarial (gain)
- - - - - -
/ loss at the end of the year
TABLE VI - Amount recognized in Balance Sheet

31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
49177.52 48456.97 3835.58 4078.52 3791.63 3629.66

Obligation
Less Fair value of Plan Assets 49133.26 48147.78 4042.76 4071.40 3416.31 3122.19
44.26 309.19 -207.18 7.12 375.32 507.47
Unrecognized Past Service cost
Less 0.00 1520.16 0.00 0.00 0.00 0.00
(on Family Pension liability)
Net Liability/ (Asset) 44.26 -1210.97 -207.18 7.12 375.32 507.47
Amounts in the Balance Sheet - - - - - -
Liability Recognized in the
44.26 955.00 -207.18 7.12 375.32 507.47
Balance Sheet
Assets Recognized in the
Balance Sheet (on Family - -2165.97 - - - -
Pension liability)
Net Liability/ (Asset) 44.26 -1210.97 -207.18 7.12 375.32 507.47
Negative amount determined
under Paragraph 55 of AS-15 - - - - - -
(R)
Present value of available
refunds and reductions in future - - - - - -
contributions
Asset recognized as per
- 2165.97 - - - -
Paragraph 59 (b) of AS-15 (R)
orZeku lsok ykxr 375-38 488-52 224-09 247-10 366-95 331-28
tksM+sa C;kt ykxr 3373-37 3065-43 251-26 254-86 211-89 187-67
?kVk,¡ ;kstuk laifÙk ij laHkkfor ykHk &3351-11 &3091-21 &258-55 &269-73 &189-37 &145-48
tksM+sa o"kZ esa ekU;rk çkIr 'kq) chekafdd ¼ykHk½ @ gkfu 499-96 &1023-86 &125-34 31-48 116-45 307-58
tksM+sa fiNyh lsok ykxr&ekU;rk çkIr ¼ikfjokfjd isa'ku 1520-16 1573-79 & & & &
ns;rk ij½
çkjfEHkd 'kq) ns;rk &1210-97 &376-44 7-12 &103-29 507-47 666-41
tksM+sa O;; 2417-76 1012-67 91-46 263-71 505-92 681-05
?kVk,¡ lanÙk va'knku &1162-53 &1847-20 &305-76 &153-30 &638-07 &839-99
?kVk,¡ daiuh }kjk Hkqxrku fd, x, ykHk & & & & & &
IX
nkf;Roksa dk orZeku ewY; 49177-52 48456-97 3835-58 4078-52 3791-63 3629-66

?kVk,¡ ;kstuk vkfLr;ksa dk mfpr ewY; 49133-26 48147-78 4042-76 4071-40 3416-31 3122-19
;kstuk ns;rkvksa esa vuqHkkfod lek;kstu & ¼gkfu½ 1763-45 1230-77 31-43 199-27 213-31 446-48
@ ykHk
;kstuk vkfLr;ksa esa vuqHkkfod esa lek;kstu & 191-18 479-76 31-39 45-78 70-39 92-52
¼gkfu½@ykHk
31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Current Service Cost 375.38 488.52 224.09 247.10 366.95 331.28
Add: Interest cost 3373.37 3065.43 251.26 254.86 211.89 187.67
Less Expected return on Plan assets -3351.11 -3091.21 -258.55 -269.73 -189.37 -145.48
Net Actuarial (gain) / loss
Add: 499.96 -1023.86 -125.34 31.48 116.45 307.58
recognized in year
Past Service Cost-Recognized
Add: 1520.16 1573.79 - - - -
(on Family Pension liability)
Expenses recognized in the
2417.76 1012.67 91.46 263.71 505.92 681.05
TABLE VIII- Movement in Net Liability to be recognized in Balance Sheet

31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Opening Net Liability -1210.97 -376.44 7.12 -103.29 507.47 666.41
Add: Expense 2417.76 1012.67 91.46 263.71 505.92 681.05
Less: Contributions Paid -1162.53 -1847.20 -305.76 -153.30 -638.07 -839.99
Less - - - - - -
Closing Net Liability/ (Asset)
recognized in B/S in current 44.26 -1210.97 -207.18 7.12 375.32 507.47
period)
TABLE IX -Amount for the current Period

31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Present value of
49177.52 48456.97 3835.58 4078.52 3791.63 3629.66
Obligation
Fair value of Plan
Less 49133.26 48147.78 4042.76 4071.40 3416.31 3122.19
Assets
-44.26 -309.19 207.18 -7.12 -375.32 -507.47
Experience
Adjustments in
1763.45 1230.77 31.43 199.27 213.31 446.48
Plan Liabilities
-(loss) / Gain
Experience
Adjustments in
191.18 479.76 31.39 45.78 70.39 92.52
Plan Assets (loss)
/ gain
X
Hkkjr ljdkj dh çfrHkwfr;k¡ 3-00% 2-76% 5-00% 5-00% 0-00% 0-00%

jkT; ljdkj dh çfrHkwfr;k¡ 10-05% 11-91% 6-00% 10-00% 0-00% 0-00%
mPp fdLe ds d‚iksZjVs c‚.M 5-85% 5-36% 3-00% 3-00% 0-00% 0-00%
lwphc) dEifu;ksa ds bfDoVh 'ks;j 0-24% 0-28% 0-00% 0-00% 0-00% 0-00%
@ E;wP;wvy Q.M fuos'k
laifÙk 0-00% 0-00% 0-00% 0-00% 0-00% 0-00%
fo'ks"k tek ;kstuk,a è,QMhvkj 2-47% 4-06% 4-00% 6-00% 0-00% 0-00%
chekdrkZ }kjk çcafèkr fufèk;k¡ @ 75-81% 69-10% 72-00% 66-00% 100-00% 100-00%
thou chek daifu;ksa esa fuos'k
vU; tekjkf'k;ka] mip; vkfn- 2-58% 6-53% 10-00% 10-00% 0-00% 0-00%
% % % % % %
XI
vkxkeh o"kZ ds nkSjku cSad dk 890-00 720-00 210-00 230-00 440-00 410-00
Js"Bre va'knku dk vuqeku
XII
nkf;Ro dk orZeku ewY; 216-35 168-36 257-64 237-76 20-24 16-15
laØe.k'khy ns;rk dk çkjfEHkd & & & & & &

'ks"k
o"kZ ds nkSjku ekU; laØe.k'khy & & & & & &
ns;rk
laØe.k'khy ns;rk dk bfr'ks"k & & & & & &

TABLE X -Major Categories of Plan Assets (as percentage of Total Plan Assets) as managed by Trust
(In Percentage)
31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Government of India Securities 3.00% 2.76% 5.00% 5.00% 0.00% 0.00%
State Govt Securities 10.05% 11.91% 6.00% 10.00% 0.00% 0.00%
High Quality Corporate Bonds 5.85% 5.36% 3.00% 3.00% 0.00% 0.00%
Equity Shares of listed companies/ 0.24% 0.28% 0.00% 0.00% 0.00% 0.00%
Mutual Fund Investments
Property 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Special deposit scheme/ FDRs 2.47% 4.06% 4.00% 6.00% 0.00% 0.00%
Funds managed by Insurer / 75.81% 69.10% 72.00% 66.00% 100.00% 100.00%
Investment in Life insurance
Companies
Other Deposits, Accruals etc. 2.58% 6.53% 10.00% 10.00% 0.00% 0.00%
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
TABLE XI -ENTERPRISE'S BEST ESTIMATE OF CONTRIBUTION DURING NEXT YEAR
LEAVE ENCASHMENT
PENSION GRATUITY
(FUNDED)
31.03.2024 31.03.2023 31.03.2024 31.03.2023 31.03.2024 31.03.2023
Bank's best 890.00 720.00 210.00 230.00 440.00 410.00
estimate of
Contribution during
next year
Particulars Sick Leave & Un availed Leave Fare concession Silver Jubilee Bonus
Casual leave (Unfunded) (unfunded) (unfunded)
31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Present Value of Obligation 216.35 168.36 257.64 237.76 20.24 16.15
Opening Balance of - - - - - -
Transitional Liability
Transitional Liability recognized - - - - - -
in the year
Closing Balance Of Transitional - - - - - -
Liability
Liability Recognized in 216.35 168.36 257.64 237.76 20.24 16.15
balance Sheet
Particulars Basis of assumption
Discount Rate Discount Rate has been determined
cêk nj nkf;Roksa dh vuqekfur vof/k rFkk eqæk
by reference to market yields at the
ds vuq:i vof/k ds ljdkjh ca/k i=ksa
balance Sheet date on Government
¼,QchvkbZ,y }kjk çdkf'kr½ ij rqyu bonds (published by FBIL) of
i= dh frfFk dks cktkj çkfIr;ksa ds term consistent with currency and
vuqlkj cêk nj fu/kkZfjr dh x;h gSA estimated term of the obligations.
;kstuk vkfLr;ksa ij ;g ekuk tkrk gS fd is'a ku] minku Expected Rate of It is assumed that return on the plan
çfrQy dh laHkkfor nj vkSj Nqêh udnhdj.k fuf/k ls lacfa /kr Return on Plan assets pertaining to the Pension,
;kstukxr ifjlaifÙk;ksa ij çfrykHk çfr Assets Gratuity and Leave Encashment
o"kZ 7-45% gksxkA fund will be 7.45% p.a.
Salary Escalation Based on the broad guidance
osruo`f) nj vkbZch, }kjk çnku fd, x, O;kid ekxZ
Rate (SER) provided by IBA, SER for the bank
¼,lbZvkj½ n'kZu ds vk/kkj ij] cSad ds fy, ,lbZvkj
has been taken at 6.00% p.a.
dks 6-00% çfr o"kZ fy;k x;k gSA
Attrition Rate Attrition rate is assumed at 1% taken
{k; nj fiNys vuqHko vkSj LoSfPNd vkgj.k ls with reference to past experience
lacaf/kr Hkfo"; ds vuqHko ds lanHkZ esa and expected future experience
iyk;u nj 1% fu/kkZfjr dh x;h gSA related to voluntary withdrawals.
i
cSd
a us 01-04-2010 dks ;k mlds ckn cSd a esa 'kkfey gksus okys lHkh Jsf.k;ksa
ds deZpkfj;ksa ds fy, ykxw va'knku ;kstuk dks ifjHkkf"kr fd;k gSA bl all categories of employees joining the Bank on or after
;kstuk dk çca/ku ,uih,l VªLV }kjk is'a ku QaM fu;ked vkSj fodkl çkf/ 01.04.2010. The scheme is managed by NPS trust under
the aegis of the Pension Fund Regulatory and Development
kdj.k ds rRoko/kku esa fd;k tkrk gSA NPS ds fy, us'kuy flD;ksfjVht
Authority. National Securities Depository Limited (Protean
fMi‚ftVjh fyfeVsM ¼ ½ dks lsVa ªy eGov Technologies Limited) has been appointed as the
fjd‚MZ dhfiax ,tsl a h ds :i esa fu;qä fd;k x;k gSA Central Record Keeping Agency for the NPS.
;ksxnku dk fooj.k bl çdkj gS& The detail of the contribution is as under-
foÙkh; o"kZ 2022&2023 ds nkSjku ¾ 1220-32 djksM+ #i;s During the Financial Year 2022-2023= Rs 1220.32 Crore
¼;ksxnku esa cSad + deZpkjh va'knku nksuksa 'kkfey gSa½ (Contribution Includes both Bank + Employee contribution)
During the Financial Year 2021-2022= Rs 974.43 Crore
foÙkh; o"kZ 2021&2022 ds nkSjku ¾ 974-43 djksM+ #i;s
(Contribution Includes both Bank + Employee contribution)
¼;ksxnku esa cSad + deZpkjh va'knku nksuksa 'kkfey gSa½
15.e)ii) Pursuant to the revision in family pension payable to
ii½ cSad ds deZpkfj;ksa dks ns; ikfjokfjd isa'ku esa la'kks/ku ds the employees of the Bank, covered under 11th Bi- Partite
vuqlkj] 11osa f}&i{kh; le>kSrs vkSj 11 uoacj] 2020 ds la;ä q uksV Settlement and joint note dated November 11, 2020, the
ds rgr doj fd;k x;k] vkjchvkbZ@2021&22@105 Mhvksvkj-,lhlh- Bank had estimated additional liability of Rs.3093.95 Crore,
of which a sum of Rs.1573.79 Crore was amortized during the
vkjbZlh-57@21-04-018@2021&22 fnukad 04 vDVwcj] 2021 ds vuqlkj
cSd
a us :i;s 3093-95 djksM+ dk vfrfjDr ns;rk dk vuqeku yxk;k Fkk 22/105 DOR.ACC.REC.57/21.04.018/2021-22 dated October
ftles ls foÙk o"kZ 2022 ds nkSjku :i;s 1573-79 djksM+ :i;s dk ifj'kks/ 04, 2021 and unamortized part of Rs.1520.16 Crore has been
ku fd;k x;k vkSj vifj'kksf/kr :i;s 1520-16 djksM+ dks ykHk vkSj gkfu
[kkrs esa iwjh rjg ls pktZ fd;k x;k gS& vfrfjä ikfjokfjd is'a ku ds 23. There is no unamortized expenditure in the Balance Sheet
on account of additional family pension.
dkj.k cSyal s 'khV esa dksbZ vifj'kksf/kr O;; ugha gSA
15.f) Accounting Standard 17 – Segment Reporting
I. Primary (Business Segment):

I-
The following are the primary segments of the Bank:-
cSad ds çkFkfed dkjksckjk [kaM fuEufyf[kr gSa%&
i) Treasury: The Treasury Segment includes the entire
i Vªstjh [kaM esa laiw.kZ fuos'k iksVQ Z ksfy;ks vkSj fons'kh investment portfolio and trading in foreign exchange
eqæk vuqca/kksa rFkk O;qRiUu vuqca/kksa esa O;kikj 'kkfey gSA Vªstjh contracts and derivative contracts. The revenue of the
[kaM ds jktLo esa eq[; :i ls fuos'k iksVZQksfy;ks ij dkjksckj treasury segment primarily consists of fees and gains or
ifjpkyu vkSj C;kt vk; ls 'kqYd vkSj ykHk ;k gkfu 'kkfey losses from trading operations and interest income on
gSA the investment portfolio.
ii Hkkjrh; fjtoZ cSd a ds ii) Corporate / Wholesale Banking: As per the

RBI guidelines RBI/2020-21/53, DOR.No.BP.
fn'kkfunsZ'k vkjchvkbZ@2020&21@53] Mhvksvkj-la-chih-
BC.23/21.06.201/2020-21, dated 12th October 2020,
chlh-23@21-06-201@2020&21] fnukad 12 vDVwcj the Corporate / Wholesale Banking segment comprises
2020] ds vuqlkj d‚jiksjVs @Fkksd cSafdax [kaM esa #-7-50 the lending activities of borrowers having exposure of
djksM+ vkSj mlls vf/kd ds tksf[ke okys m/kkjdrkZvksa dh
m/kkj xfrfof/k;ka 'kkfey gSaA
iii) Retail Banking: The Retail Banking Segment comprises
iii fjVsy cSafdax [kaM esa mu m/kkjdrkZvksa ds of borrower accounts having exposure of less than
[kkrksa dks 'kkfey fd;k x;k gS ftudk ,Dlikstj #-7-50
djksM+ ls de gSA iv) Other Banking Operations:
iv½ vU; cSafdax ifjpkyu [kaM tks mijksä ¼i½ ls ¼iii½ ds
varxZr oxhZ—r ugha gSa] bl çkFkfed [kaM ds varxZr segment.
oxhZ—r fd, x, gSAa II Secondary (Geographical Segment):
II i) Domestic Operations-
i Hkkjr esa ifjpkfyr 'kk[kk,a@dk;kZy; operations in India
ii Hkkjr ds ckgj ifjpkfyr 'kk[kk,a@ ii) Foreign Operations -

dk;kZy; vkSj Hkkjr esa ifjpkfyr fo'ks"k vkfFkZd {ks= esa fLFkr
cSafdax bdkbZ;kaA having operations in India.
III. III. Basis of allocation

C;kt vk; dk vkcaVu fofHkUu [kaMksa ls çkIr okLrfod C;kt ds The interest income is allocated on the basis of actual
vk/kkj ij fd;k tkrk gS
Fkksd cSafdax/fjVsy cSafdax [kaM@vU; cSafdax [kaM }kjk vftZr Expenses not directly attributable are allocated on the
C;kt vk; ds vk/kkj ij çR;{k :i ls vkjksfir ugha gksus okys basis of Interest income earned by the wholesale banking
O;; vkcafVr fd, tkrs gSAa / retail banking segment/other banking segment
çR;sd [kaM ds fy, fu;ksftr iwath dh x.kuk ml fo'ks"k [kaM
Capital employed for each segment is calculated based
dh vkfLr vkSj nsunkfj;ksa ds vk/kkj ij dh tkrh gSA on the assets and liabilities of that particular segment
cSad ds ikl dqN vke vkfLr;ka vkSj nsunkfj;ka gSa] ftUgsa fdlh
The Bank has certain common assets and liabilities,
Hkh [kaM esa vkjksfir ugha fd;k tk ldrk gS] vkSj mUgsa xSj
which cannot be attributed to any segment, and the same
vkcafVr ekuk tkrk gSA are treated as unallocated.
PART A – BUSINESS SEGMENTS

¼jkf'k djksM+ esa½ (Rs. in Crores)
Year Ended
Sr.
Particulars 31.03.2023 31.03.2022
No.
Audited Audited
1 Segment Revenue
(a) Treasury Operations 26806.82 29530.09
(a) Vªstjh ifjpkyu 26806-82 29530-09 (b) Corporate/Wholesale
40482.23 30646.03
(b) d‚jiksjsV@Fkksd cSafdax 40482-23 30646-03 Banking
(c) Retail Banking 26872.68 24638.13
fjVsy cSafdax 26872-68 24638-13
1) Digital Banking 0.02
1½ fMftVy cSafdax 0-02
2) Other Retail Banking 26872.66 24638.13
2½ vU; fjVsy cSafdax 26872-66 24638-13
(d) Other Banking
3124.91 2385.24
(d) vU; cSafdax ifjpkyu 3124-91 2385-24 Operations
Year Ended
Sr.
Particulars 31.03.2023 31.03.2022
No.
Audited Audited
Total Revenue 97286.64 87199.49
2 Segment Results
-2966.67 -4174.61
(b) d‚jiksjsV/Fkksd cSafdax &2966-67 &4174-61 Banking
(c) Retail Banking 3853.99 3095.91
fjVsy cSafdax 3853-99 3095-91
1) Digital Banking -4.35
1½ fMftVy cSafdax &4-35
2) Other Retail Banking 3858.34 3095.91
2½ vU; fjVsy cSafdax 3858-34 3095-91 (d) Other Banking
1149.12 647.96
(d) vU; cSafdax ifjpkyu 1149-12 647-96 Operations
Total 8844.36 8592.08
vukcafVr O;; 4556-1 4275-68 Unallocated Expenditure 4556.1 4275.68

4288.26 4316.4
Provision for Tax 1781.06 859.44
dj gsrq çko/kku 1781-06 859-44
Extraordinary items — —
vlkekU; ensa & & 2507.20 3456.96
3 Segment Assets
(b) Corporate/Wholesale
(a) Vªstjh ifjpkyu 467011-82 423122-44 600703.68 542009.51
Banking
(b) d‚jiksjsV/Fkksd cSafdax 600703-68 542009-51 (c) Retail Banking 299324.5 259162.1
fjVsy cSafdax 299324-5 259162-1 1) Digital Banking 1.86
1½ fMftVy cSafdax 1-86 2) Other Retail Banking 299322.64 259162.1

47728.85 44043.16
Operations
(d) vU; cSafdax ifjpkyu 47728-85 44043-16
(e) Unallocated 47062.51 46467.81
(e) vukcafVr 47062-51 46467-81 Total 1461831.36 1314805.02
4 Segment Liabilities
(a) Treasury Operations 449348 406533.55
¼a½ Vªstjh ifjpkyu 449348 406533-55 (b) Corporate/Wholesale
577983.22 520759.54
Banking
¼b½ d‚jiksjsV/Fkksd cSafdax 577983-22 520759-54
(c) Retail Banking 288003.13 249001.42
¼c½ fjVsy cSfa dax 288003-13 249001-42 1) Digital Banking 6.09
1½ fMftVy cSafdax 6-09 2) Other Retail Banking 287997.04 249001.42
45923.59 42316.4
¼d½ vU; cSafdax ifjpkyu 45923-59 42316-4 Operations
(e) Unallocated 717.76 707.22
¼e½ vukcafVr 717-76 707-22
Total 1361975.7 1219318.13
dqy 1361975-7 1219318-13
5 Capital Employed
22720.46 21249.97
(b) d‚jiksjsV@Fkksd cSafdax 22720-46 21249-97 Banking
Year Ended
Sr.
Particulars 31.03.2023 31.03.2022
No.
Audited Audited
(c) Retail Banking 11321.37 10160.68
fjVsy cSafdax 1 1321-37 10160-68 1) Digital Banking -4.23
1½ fMftVy cSafdax &4-23 2) Other Retail Banking 11325.6 10160.68
1805.26 1726.76
Operations
(d) vU; cSafdax ifjpkyu 1805-26 1726-76
(e) Unallocated 46344.75 45760.59
(e) vukcafVr 46344-75 45760-59
Total Capital Employed 99855.66 95486.89
PART B - GEOGRAPHICAL SEGMENTS

¼jkf'k djksM+ esa½ (Rs. in Crores)
STANDALONE
Sr. Particulars Year Ended

No.
31.03.2023 31.03.2022
31-03-2023 31-03-2022 Audited Audited
ys[kkijhf{kr ys[kkijhf{kr
1 Revenue
(a) Domestic 95277.08 86712.97

(a) ?kjsyw 95277-08 86712-97
(b) varjkZ"Vªh; 2009-56 486-52 (b) International 2009.56 486.52
Total 97286.64 87199.49
2 Assets
(a) ?kjsyw 1400620-35 1271243-81 (a) Domestic 1400620.35 1271243.81
(b) varjkZ"Vªh; 61211-01 43561-21
(b) International 61211.01 43561.21
Total 1461831.36 1314805.02
1- [kaMokj ns;rk,a mudh lacfa /kr [kaM vkfLr;ksa ds vuqikr esa Notes:
forfjr dh xbZ gSaA
1. Segment Liabilities are distributed in the ratio of their
2- vkjchvkbZ ifji= vkjchvkbZ@2022&23@19 respective Segment Assets.
Mhvksvkj-,;wVh-vkjbZlh 12@22-01-001@2022&23 fnukad 07
2. As per RBI Circular RBI/2022-23/19 DOR.AUT.REC.
vçSy] 2022 ds vuqlkj ys[kk ekud 17] [kaM fjiksfVaZx ds rgr
12/22.01.001/2022-23 dated April 07, 2022, for the
çdVhdj.k ds mís'; ls] fMftVy cSafdax lsxesaV dks fjtoZ cSad purpose of disclosure under Accounting Standard 17,
v‚Q bafM;k ¼vkjchvkbZ½ }kjk fjVsy cSafdax ds rgr mi&[kaM Segment Reporting, Digital Banking Segment has
ds :i esa ekuk x;k gSA 31 ekpZ] 2023] dks lekIr gksus okys
o"kZ ds nkSjku 8 ¼vkB½ fMftVy cSafdax bdkb;ksa ¼ ½ dk by Reserve Bank of India (RBI). During the year ended
ifjpkyu 'kq: dj fn;k gS vkSj fjVsy cSafdax dk;ksaZ ds rgr March 31, 2023, 8 (eight) Digital Banking Units (DBUs) of
the Bank have commenced operations and the segment
fMftVy cSafdax ds :i esa çdVh—r fd;k x;k [kaM tkudkjh
information disclosed as Digital Banking under Retail
mä fMftVy cSafdax bdkb;ksa ¼ ½ ls lacaf/kr gSA Banking Operations is related to the said DBUs.
3- tgka dgha vko';d le>k x;k gS fiNyh vof/k ds vkadM+kas dks
3. Figures of the previous period have been re-grouped/re-
rqyuh; cukus ds fy, iqu: lewgc)@iqu% oxhZ—r fd;k x;k gSA
15. g) Accounting Standard 18 - Disclosure of Related

Parties as per Accounting Standard – 18 issued by
ICAI:
Names of the related parties and their relationship
with the Bank:
Key Management Personnel (KMP):
i½ Jh vrqy dqekj xks;y] çca/k funs'kd ,oa eq[; dk;Zikyd
vf/kdkjh i) Shri Atul Kumar Goel, Managing Director & CEO.
ii½ Jh lat; dqekj] dk;Zikyd funs'kd] fnukad 30-11-2022* rd ii) Shri Sanjay Kumar, Executive Director, upto 30.11.2022*
iii½ Jh fot; nqcs] dk;Zikyd funs'kd- iii) Shri Vijay Dube, Executive Director.
iv½ Jh Lo:i dqekj lkgk] dk;Zikyd funs'kd] fnukad 03-06- iv) Shri Swarup Kumar Saha, Executive Director, upto
2022** rd** 03.06.2022**
v½ Jh dY;k.k dqekj] dk;Zikyd funs'kd v) Shri Kalyan Kumar, Executive Director
vi½ Jh fcuksn dqekj] dk;Zikyd funs'kd] fnukad 21-11-2022 ls
vii½ Jh ,e- ijef'koe] dk;Zikyd funs'kd fnukad 01-12-2022 ls 21.11.2022
vii) Shri M. Paramasivam, Executive Director 01.12.2022
*
* Tenure completed on 30.11.2022,
** **Tenure up to 03.06.2022
Subsidiaries:
i½ ih,uch fxYV~l fy- i) PNB Gilts Ltd.
ii½ ih,uch bUosLVesVa lfoZls+t fy- ii) PNB Investment Services Ltd.
iii½ ih,uch dkMZ~l ,aM lfoZlst fy- iii) PNB Cards and Services Ltd.
vi½ iatkc uS'kuy cSad ¼baVjus'kuy½ fy-] ;wds-
iv) Punjab National Bank (International) Ltd., UK.
v½ Mªd ih,uch cSad fy-] HkwVku-
v) Druk PNB Bank Ltd, Bhutan.
Associates:
i½ ih,uch esVykbQ bafM;k bU';ksjsUl daiuh fy* i) PNB Metlife India Insurance Company Ltd*
ii½ ih,uch gkmflax Qkbusal fy- ii) PNB Housing Finance Limited
iii½ ts,llh ¼Vsaxjh cSad½] vYekrh] dtkfdLrku** iii) JSC (Tengri Bank), Almaty, Kazakhstan**
iiv½ dsujk ,p,lchlh vksfj;aVy cSad v‚Q d‚elZ ykbQ iv) Canara HSBC Life Insurance Co. Ltd.
bU';ksjsUl da- fy- v) India SME Asset Reconstruction Co. Ltd.
v½ bafM;k ,l,ebZ ,lsV fjdaLVªD'ku da- fy- vi) Everest Bank Limited, Kathmandu, Nepal
iv½ ,ojsLV cSad fyfeVsM] dkBekaMw] usiky vii) Dakshin Bihar Gramin Bank, Patna
vii½ nf{k.k fcgkj xzkeh.k cSad] iVuk viii) Himachal Pradesh Gramin Bank, Mandi
viii½ fgekpy çns'k xzkeh.k cSad] e.Mh ix) Punjab Gramin Bank, Kapurthala
ix½ iatkc xzkeh.k cSad] diwjFkyk
x) Sarva Haryana Gramin Bank, Rohtak
x½ loZ gfj;k.kk xzkeh.k cSad] jksgrd
xi) Prathama UP Gramin Bank, Moradabad
xi½ çFkek ;wih xzkeh.k cSad] eqjknkckn
xii) Assam Gramin Vikas Bank, Guwahati
xii½ vle xzkeh.k fodkl cSad] xqokgkVh
xiii) Bangiya Gramin Vikas Bank, West Bengal
xiii½ cafx;k xzkeh.k fodkl cSad] if'pe caxky
xiv½ ef.kiqj xzkeh.k cSad] baQky xiv) Manipur Rural Bank, Imphal
xv½ f=iqjk xzkeh.k cSad] vxjryk xv) Tripura Gramin Bank, Agartala
*PNB has acquired 30% stake in PNB Metlife at a consideration
*ih,uch us czSaM bfDoVh ds :i esa #- 700-48 @& ds çfrQy ij
of Rs. 700.48 as brand equity.
ih,uch esVykbQ esa 30% fgLlsnkjh dk vf/kxzg.k fd;k gSA
**,,Qvkj us 18-09-2020 ls ts,llh Vsaxjh cSad dk ykblsal jí dj **AFR revoked license of JSC Tengri Bank w.e.f. 18.09.2020
and is under Liquidation.
fn;k vkSj ;g ifjlekiu ds v/khu gSA
Others:
i) PNB Centenary Rural Development Trust
i½ ih,uch 'krkCnh xzkeh.k fodkl VªLV
ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & 2-54 & & & 2-54 &
ikfjJfed
ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & ¼2-74½ & & & ¼2-74½ &
ykxw ugha ykxw ugha ykxw ugha ykxw ugha 25-00 25-01 & & & & 25-00 25-01
m/kkj
ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼25-01½ ¼25-01½ & & & & ¼25-01½ ¼25-01½
tekjkf'k
tekjkf'k;ksa dk fu;kstu
vU; ns;rk,a
cSadksa ds ikl 'ks"k jkf'k ykxw ugha ykxw ugha ykxw ugha ykxw ugha 0-00 0-00 & & & & 0-00 0-00
rFkk ekax vkSj vYi lwpuk
ij çfrns; jkf'k ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼0-00½ ¼0-00½ & & & & ¼0-00½ ¼0-00½
vfxze ¼vkbZchihlh ykxw ugha ykxw ugha ykxw ugha ykxw ugha 0-00 0-00 & & & & 0-00 0-00
m/kkj ysuk½ ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼0-00½ ¼0-00½ & & & & ¼0-00½ ¼0-00½
vfxze ¼vkbZchihlh ykxw ugha ykxw ugha ykxw ugha ykxw ugha 0-00 0-00 & & & & 0-00 0-00
m/kkj nsuk½ ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼0-00½ ¼0-00½ & & & & ¼0-00½ ¼0-00½
vfxze ¼vU;½
fuos'k
ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
fMcsapj esa fuos'k
vU; vkfLr;ka
xSj fuf/kd çfrc)rk,a ykxw ugha ykxw ugha ykxw ugha ykxw ugha 7-63 7-63 & & & & 7-63 7-63
¼,ylh@chth½ ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼17-89½ ¼17-89½ & & & & ¼17-89½ ¼17-89½
yh x;h yhftax@,pih O;oLFkk ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
nh x;h yhftax@,pih
O;oLFkk
vpy vkfLr;ksa dh [kjhn ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
vpy vfLr;ksa dh fcØh ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
ysunsu vkbZchihlh fcØh ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
lkSnk ewY; ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
Transactions with Related Parties:
Parent** (as per Relatives of Key

Associates/ Joint Key Management
ownership or Subsidiaries** Management Total
ventures Personnel
control) Personnel
Items/ Related
Party
N.A N.A N.A N.A - - 2.54 - - - 2.54 -

Remuneration
N.A N.A N.A N.A - - (2.74) - - - (2.74) -
N.A N.A N.A N.A 25.00 25.01 - - - - 25.00 25.01

Borrowings
N.A N.A N.A N.A (25.01) (25.01) - - - - (25.01) (25.01)
N.A N.A N.A N.A 1080.36 1228.98 - - - - 1080.36 1228.98

Deposits
N.A N.A N.A N.A (124.66) (157.80) - - - - (124.66) (157.80)
Placement of N.A N.A N.A N.A 0.00 0.00 - - - - 0.00 0.00

Deposits N.A N.A N.A N.A (0.00) (0.00) - - - - (0.00) (0.00)
N.A N.A N.A N.A 0.44 2.57 - - - - 0.44 2.57

Other Liabilities
N.A N.A N.A N.A (0.61) (1.52) - - - - (0.61) (1.52)
Balance with N.A N.A N.A N.A 0.00 0.00 - - - - 0.00 0.00
banks and Money
at call and short N.A N.A N.A N.A (0.00) (0.00) - - - - (0.00) (0.00)
notice
Advances (IBPC N.A N.A N.A N.A 0.00 0.00 - - - - 0.00 0.00
borrowings) N.A N.A N.A N.A (0.00) (0.00) - - - - (0.00) (0.00)
Advances (IBPC N.A N.A N.A N.A 0.00 0.00 - - - - 0.00 0.00
lending) N.A N.A N.A N.A (0.00) (0.00) - - - - (0.00) (0.00)
N.A N.A N.A N.A 4636.68 4651.76 - - - - 4636.68 4651.76

Advances (Others)
N.A N.A N.A N.A (4325.89) (4634.45) - - - - (4325.89) (4634.45)
N.A N.A N.A N.A 817.54 817.54 - - - - 817.54 817.54
Investments
N.A N.A N.A N.A (817.54) (817.54) - - - - (817.54) (817.54)
Investments in N.A N.A N.A N.A - - - - - - - -

Debentures N.A N.A N.A N.A - - - - - - - -
N.A N.A N.A N.A 111.43 152.03 - - - - 111.43 152.03

Other Assets
N.A N.A N.A N.A (129.81) (212.15) - - - - (129.81) (212.15)
Non funded N.A N.A N.A N.A 7.63 7.63 - - - - 7.63 7.63
Commitments
(LCs/BGs) N.A N.A N.A N.A (17.89) (17.89) - - - - (17.89) (17.89)
Leasing/ HP
arrangements N.A N.A N.A N.A - - - - - - - -
availed
Leasing/ HP
arrangements N.A N.A N.A N.A - - - - - - - -
provided
N.A N.A N.A N.A - - - - - - - -

assets
Sale of Fixed
N.A N.A N.A N.A - - - - - - - -
Assets
Transaction IBPC N.A N.A N.A N.A - - - - - - - -

Sale Deal Value N.A N.A N.A N.A - - - - - - - -
ysunsu vkbZchihlh [kjhn ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
lkSnk ewY; ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
tekjkf'k;ksa ij pqdk;k ykxw ugha ykxw ugha ykxw ugha ykxw ugha
x;k C;kt ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
vkbZchihlh ij pqdk;k ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
x;k C;kt ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & & & & & &
ykxw ugha ykxw ugha ykxw ugha ykxw ugha 9-45 & & & & & 9-45 &
vU; ij pqdk;k C;kt
ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼4-70½ & & & & & ¼4-70½ &
vkbZchihlh ij çkIr C;kt
C;kt çkIr & vU;
lsok,a çkIr djuk
lsok,a çnku djuk
çcU/ku lafonk,a
çkIr ykHkka'k
cSad çHkkj
ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & &
ckaM ij pqdk;k x;k C;kt
ykxw ugha ykxw ugha ykxw ugha ykxw ugha & & & &
çkIr deh'ku
vU; O;; ykxw ugha ykxw ugha ykxw ugha ykxw ugha 5-42 & & & & & 5-42 &
vU; vk; ykxw ugha ykxw ugha ykxw ugha ykxw ugha 316-92 & & & & & 316-92 &
uksV% 1- **vuq"kafx;ksa vkSj dqN lg;ksxh laLFkkvksa ds lkFk gq, ysunsu dk çdVhdj.k ys[kk ekud & 18 ^^lEcfU/kr ikVhZ çdVhdj.k** ds iSjk 9 ds eísutj ugha fd;k x;k gS tks jkT; }kjk fu;af=r
m|eksa dks mudh ,slh vU; lEcfU/kr ikfVZ;ksa] tks jkT; }kjk fu;af=r gksa] ls ysunsu esa dksbZ çdVhdj.k djus ls NwV nsrk gSA
2- blds vykok] ,,l 18 ds iSjk 5 ds vuqlkj] cSadj&xzkgd laca/k ds Lo#i ds ysu&nsu] ftuesa çeq[k çca/ku dkfeZd vkSj çeq[k çca/ku dkfeZdksa ds fj'rsnkjksa ls fd, x, ysu&nsu Hkh 'kkfey gSa]
dk çdVhdj.k ugha fd;k x;k gSA
3- fjiksVZ dh xbZ jkf'k çko/kku dks ?kVkdj gS] ;fn dksbZ gksA
4- tgk¡ Hkh vkadM+s dks"Bd esa fn, x, fiNys o"kZ ls lacaf/kr gSa vkSj tgk¡ Hkh vko';d gks] fiNys o"kZ ds vk¡dM+ksa dks iqu% lewgc)@iquO;ofLFkr@iqu% oxhZ—r fd;k x;k gSA
Parent** (as per Relatives of Key
Associates/ Joint Key Management
ownership or Subsidiaries** Management Total
ventures Personnel
control) Personnel
Items/ Related
Party
Transaction IBPC N.A N.A N.A N.A - - - - - - - -

Purchase Deal
Value N.A N.A N.A N.A - - - - - - - -
Interest paid on N.A N.A N.A N.A

Deposits N.A N.A N.A N.A - - - - - - - -
Interest Paid on N.A N.A N.A N.A - - - - - - - -

IBPC N.A N.A N.A N.A - - - - - - - -
Interest Paid N.A N.A N.A N.A 9.45 - - - - - 9.45 -

Others N.A N.A N.A N.A (4.70) - - - - - (4.70) -
Interest received N.A N.A N.A N.A - - - - - - - -

on IBPC N.A N.A N.A N.A - - - - - - - -
Interest received N.A N.A N.A N.A 557.07 - - - - - 557.07 -

Others N.A N.A N.A N.A (586.62) - - - - - (586.62) -
Receiving of N.A N.A N.A N.A - - - - - - - -

Services N.A N.A N.A N.A - - - - - - - -
Rendering of N.A N.A N.A N.A - - - - - - - -

Services N.A N.A N.A N.A - - - - - - - -
Management N.A N.A N.A N.A 0.54 - - - - - 0.54 -

contracts N.A N.A N.A N.A (0.54) - - - - - (0.54) -
N.A N.A N.A N.A 15.70 - - - - - 15.70 -

Dividend received
N.A N.A N.A N.A - - - - - - - -
N.A N.A N.A N.A 1.15 - - - - - 1.15 -

Bank Charges
N.A N.A N.A N.A (0.22) - - - - - (0.22) -
Interest Paid on N.A N.A N.A N.A - - - -

Bonds N.A N.A N.A N.A - - - -
Commission N.A N.A N.A N.A - - - - - - - -

Received N.A N.A N.A N.A - - - - - - - -
N.A N.A N.A N.A 5.42 - - - - - 5.42 -

Other Expenditure
N.A N.A N.A N.A (194.21) - - - - - (194.21) -
N.A N.A N.A N.A 316.92 - - - - - 316.92 -

Other Income
N.A N.A N.A N.A (288.90) - - - - - (288.90) -
Notes: 1. **The transactions with the subsidiaries and certain associates have not been disclosed in view of para-9 of AS-
18 ‘Related Party Disclosure’, which exempts state controlled enterprises from making any disclosures pertaining to their
transactions with other related parties, which are also state controlled.
2. Further, in terms of Paragraph 5 of AS 18, transactions in the nature of Banker-Customer relationship have not been
disclosed including those with Key Management Personnel and relatives of Key Management Personnel.
3. The amounts reported are net of provision, if any.
15. h) Accounting Standard 19 – Lease
i- ifjpkyu iês esa eq[; :i ls dk;kZy; ifjlj 'kkfey gksrs

gSa] tks fd cSad ds fodYi ij çR;sd 3 @ 5 osa o"kZ ds var esa which are renewable at the option of the bank normally at
lkekU; :i ls uohdj.kh; gksrs gSaA the end of every 3 / 5th years.
ii- miyC/k tkudkjh ds vuqlkj] 31-03-2023 dks xSj&jí djus ii. As per information available, Non-Cancellable lease as
;ksX; iêk% 'kwU; ¼xr o"kZ% 'kwU;½A on 31.03.2023: NIL (Previous year: NIL).
iii- ifjpkyu iês ds fy, ykHk vkSj gkfu ys[ks esa ekU;rk çkIr iêk iii. Amount of lease payment recognized in P & L Account for
Hkqxrku dh jkf'k fuEukuqlkj gS% operating lease is as under:
Current Year Ended Previous Year Ended

31.03.2023 31.03.2022
iês@ fdjk, ds ¼jkf'k iês@fdjk, ds ¼jkf'k No. of lease (Amount in No. of lease (Amount in
ifjlj dh la[;k djksM+ esa½ ifjlj dh djksM+ esa½ / rented / rented
la[;k premises premises
15813 798-92 15750 782-24 15813 798.92 15750 782.24
15. i) Accounting Standard 20 - Earnings per Share

i
Sl. Particulars Current Year Previous Year
No.
, bZih,l & ewy @ ºzkflr ¼ 2-28 3-16 A EPS - Basic / Diluted 2.28 3.16
esa½ ¼xSj okf"kZd½
B Amount used as 25072049 34569636
ch dj ds i'pkr x.kd ds :i 25072049 34569636
esa mi;ksx dh xbZ jkf'k ij
ykHk/¼gkfu½ ¼ 000 esa½ C Nominal value of share
lh 'ks;jksa dk vafdr ewY; izR;sd 2-00 izR;sd 2-00 D Weighted average 11011015558 10946723321
number of equity
Mh fMuksfeusVj ds :i esa ç;ksx 11011015558 10946723321 shares used as the
fd, x, bfDoVh 'ks;jksa dh denominator
Hkkfjr vkSlr la[;k
i 15. j) (i) Accounting Standard 22- Accounting for

taxes on Income
The Bank has recognized deferred tax assets and liability as
cSad us ys[kk uhfr la- 10- ds vuqlkj vkLFkfxr dj vkfLr;ksa vkSj ns;rk dh per accounting policy no. 10. Major components of which are
igpku dh gS ftlds çeq[k ?kVd fuEufyf[kr gSa% set out below:
Particulars Current Year Previous
Year
vkLFkfxr dj vkfLr;ka
Deferred Tax Assets
Nqêh udnhdj.k vkSj vU; ds fy, çko/kku 137-95 112-80
Provision for Leave encashment 137.95 112.80
v'kks/; vkSj lafnX/k _.kksa ds fy, çko/kku 24319-67 23821-41 & others
dj ;ksX; gkfu ¼vkxs ys tk;k x;k½ 0-00 2353-34 Provision for bad & doubtful debts 24319.67 23821.41
Taxable loss (carried forward) 0.00 2353.34
vU; vkdfLedrk,a 248-00 162-16
Other Contingencies 248.00 162.16
dqy 24705-62 26449-71
Total 24705.62 26449.71
vkLFkfxr dj ns;rk,a Deferred Tax Liabilities
vpy vkfLr;ksa ij ewY;ºzkl &304-80 &233-45 -304.80 -233.45
vk;dj vf/kfu;e] 1961 dh /kkjk 36¼1½ 1249-26 1170-31 Special Reserve u/s 36(1)(viii) of 1249.26 1170.31
¼viii½ ds varxZr fo'ks"k vkjf{kr fuf/k Income Tax Act 1961.
Particulars Current Year Previous
Year
vkLFkfxr dj vkfLr;ka Deferred Tax Assets
Total 944.46 936.86
Deferred Tax Assets (Net) 23761.16 25512.85
31-03-2023 dks lekIr gq, o"kZ ¼foÙk o"kZ 2022&23½ ds fy, ykHk vkSj
gkfu ys[ks esa vkLFkfxr dj vkfLr 1751-69 djksM+ ¼fiNys o"kZ% MsfcV
1541-35 djksM+½ esa ukes Mkyh xbZ gSA
ii) Current Tax:
ii½ 31-03-2023 dks lekIr foÙkh; o"kZ ds nkSjku cSad
us ykHk vkSj gkfu [kkrs esa 29-38 djksM+ MsfcV fd, gSa ¼fiNys
o"kZ% MsfcV fd, x, 'kwU;½ fiNys o"kksaZ ds 515-94 djksM+ ds current tax after reversal of provision of earlier years of
çko/kku dks myVus ds ckn orZeku dj ds dkj.kA rnuqlkj]
account of current tax & deferred tax assets charged to
orZeku dj vkSj vkLFkfxr dj laifÙk;ksa ds dkj.k dqy dj O;;
ykHk vkSj gkfu [kkrs esa 1781-07 djksM+ gSA
iii) Tax Paid in advance/Tax deducted at source appearing
iii½ ^^vU; vkfLr;ksaß ds varxZr vkus okys vfxze :i ls Hkqxrku fd, under “Other Assets” includes disputed amount adjusted
x, dj@lzksr ij dj dVkSrh esa fofHkUu ewY;kadu o"kksaZ ds fy, by the department/paid by the Bank in respect of tax
dj ekaxksa ds laca/k esa foHkkx/ cSad }kjk lek;ksftr fookfnr jkf'k demands for various assessment years.
'kkfey gSaA iv) No provision is considered necessary in respect of
iv½ 8475-38 djksM+ ¼xr o"kZ 11427-55 djksM+½ dh fookfnr

vk;dj ekax ds laca/k esa dksbZ çko/kku vko';d ugha le>k x;k duly supported by expert opinion and/or decision in bank’s
gS D;ksafd cSad dh jk;] bu eqnnksa ij fo'ks"kK dh jk; vkSj@ own appeals on same issues, additions / disallowances
vFkok cSad dh vihyksa ij gq, fu.kZ; ds vuqleFkZu ds vuqlkj made are not sustainable.
fd, x, ifjo/kZu@vLoh—fr;ka /kkj.kh; ugha gSA v) The Bank has evaluated the options available under
section 115BAA of Income Tax Act, 1961 and opted
v½ cSad us vk;dj vf/kfu;e 1961 dh /kkjk 115 ch,, ds varxZr to continue to recognise the taxes on income for the
miyC/k fodYiksa dk ewY;kadu fd;k gS vkSj vk;dj vf/kfu;e
1961 ds iwoZ çko/kku ds vuqlkj foÙkh; o"kZ 2022&23 ds fy, Income Tax Act, 1961.
vk; ij djksa dks ekU;rk nsuk tkjh j[kus dk fodYi pquk gSA vi) The current tax expenses and deferred tax expenses
are determined in accordance with the provisions of
vi½ orZeku dj O;; vkSj vkLFkfxr dj O;; dk fu/kkZj.k vk;dj the Income Tax Act, 1961 and as per the Accounting
vf/kfu;e] 1961 ds çko/kkuksa ds vuqlkj vkSj Øe'k% Hkkjrh; Standard 22- “Accounting for Taxes on Income” issued
pkVZMZ ,dkmaVsaV~l laLFkku }kjk tkjh ys[kk ekud 22& ^vk; by the Institute of Chartered Accountants of India
ij djksa ds fy, ys[kkadu* ds vuqlkj fd;k tkrk gSA Hkkjr esa respectively. The current Tax in India has been calculated
orZeku dj dh x.kuk fons'kh {ks=kf/kdkj esa Hkqxrku fd, x, in accordance with the provisions of Income Tax Act 1961
after taking appropriate relief for taxes paid on foreign
djksa ds fy, mfpr jkgr ysus ds ckn vk;dj vf/kfu;e 1961
jurisdiction.
ds çko/kkuksa ds vuqlkj dh xbZ gSA
15. k) Accounting Standard 23 - Accounting for
Investments in Associates in Consolidated Financial
Statements
Since Investments of the bank in its Associates are participative

pw¡fd cSad dh viuh lg;ksxh laLFkkvksa esa lgHkkxh Lo#i dk fuos'k gS
vkSj cSad dks mudh xfrfof/k;ksa ij egRoiw.kZ çHkko Mkyus dk vf/kdkj
gS] vr: cSad dh lesfdr foRrh; fooj.kksa esa ,sls fuos'kksa dks ekU;rk in the Consolidated Financial Statements of the Bank.
nh xbZ gSA ¼xr o"kZ% pwafd cSad ds vius lg;ksfx;ksa esa fuos'k lgHkkxh
(Previous year: Since Investments of the bank in its
Lo#i dk gksrk gS vkSj cSad ds ikl mudh xfrfof/k;ksa ij egRoiw.kZ
Associates are participative in nature and the Bank having the
çHkko Mkyus dh 'kfä gksrh gS] ,sls fuos'kksa dks cSad ds lesfdr foÙkh;
fooj.kksa esa ekU;rk nh xbZ gS½A Investments are recognized in the Consolidated Financial
Statements of the Bank).
15. l) Accounting Standard 24 – Discontinuing operations

fnukad 01-04-2022 ls 31-03-2023 dh vof/k ds nkSjku cSad us viuh During the period from 01.04.2022 to 31.03.2023, the bank
fdlh Hkh 'kk[kk dk ifjpkyu can ugha fd;k gS ftlds ifj.kkeLo:i has not discontinued operations of any of its branches, which
ns;rkvksa dh 'kSfMax vkSj vkfLr;ksa dk Hkqxrku gqvk gks rFkk fdlh resulted in shedding of liability and realization of assets and
ifjpkyu dks lEiw.kZ :i ls lekIr djus dk ,slk dksbZ fu.kZ; ugha
fy;k x;k gS ftlls mä çHkko iM+sA
¼xr o"kZ% fnukad 01-04-2021 ls 31-03-2022 dh vof/k ds nkSjku cSad (Previous year: During the period from 01.04.2021 to 31.03.2022,
us viuh fdlh Hkh 'kk[kk dk ifjpkyu can ugha fd;k gS] ftlds the bank has not discontinued operations of any of its branches,
ifj.kkeLo:i ns;rkvksa dh 'kSfMax vkSj vkfLr;ksa dh olwyh gqbZ gks] which resulted in shedding of liability and realization of assets and
rFkk fdlh ifjpkyu dks lEiw.kZ :i ls lekIr djus dk ,slk dksbZ
fu.kZ; ugha fy;k x;k gS ftlls mä çHkko iM+s½A
15.m. Accounting Standard 26 – Intangible asset
Particulars Useful life Amortization Amortization
(No. of Years) rates used Method
Software 03 33.33% Straight Line
Method
l‚¶Vos;j 03 33-33% lh/kh js[kk fof/k Intangible Assets
¼jkf'k djksM+ esa½ Particulars Gross Block Amortization Net Block

Other Adjustments
As at 01.04.2022
As at 31.03.2023
As at 01.04.2022
As at 31.03.2023
As at 31.03.2023
As at 31.03.2022
For the year
Additions
Software 1209-31 42-01 0-00 0-00 1251-33 920-08 146-79 0-00 1066-88 184-45 289-23
l‚¶Vos;j 1209-31 42-01 0-00 0-00 1251-33 920-08 146-79 0-00 1066-88 184-45 289-23
Other
if any,
vU; ;fn 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 please
0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00
dksbZ gks rks specify
—i;k mYys[k
djsa TOTAL 1209-31 42-01 0-00 0-00 1251-33 920-08 146-79 0-00 1066-88 184-45 289-23
dqy 1209-31 42-01 0-00 0-00 1251-33 920-08 146-79 0-00 1066-88 184-45 289-23 FY 1102-91 106-40 0-00 0-00 1209-31 786-89 133-20 0-00 920-08 289-23 NA
2021-22
xr foÙkh; 1102-91 106-40 0-00 0-00 1209-31 786-89 133-20 0-00 920-08 289-23 ykxw
o"kZ 2021&22* ugha
15. n) Accounting Standard 28 – Impairment of assets

cSad dh vkfLr;ksa esa ,d cM+k fgLlk ÞfoRrh; vkfLr;ksaß dk gS ftuij
ys[kk ekud 28 ÞvkfLr;ksa dk ºzklß ykxw ugha gSA cSad dh jk; esa bu assets’ to which Accounting Standard 28 ‘Impairment of
vkfLr;ksa ¼ftu ij ekud ykxw gksrk gS½ dh mä ekud dh 'krZ ds Assets’ is Not Applicable. In the opinion of the bank, there is
v/khu visf{kr igpku ds fy, 31-03-2023 dks fdlh egRoiw.kZ lhek no impairment of its assets (to which the standard applies) to
rd ºzkl ugha gSA any material extent as at 31.03.2023 requiring recognition in
terms of the said standard.
¼xr o"kZ% cSad dh vkfLr;ksa esa ,d cM+k fgLlk ÞfoRrh; vkfLr;ksßa dk
(Previous year: A substantial portion of the bank’s assets
gS ftuij ys[kk ekud 28 ÞvkfLr;ksa dk ºzklß ykxw ugha gSA cSad dh
jk; esa bu vkfLr;ksa ¼ftu ij ekud ykxw gksrk gS½ dh mä ekud dh 28 ‘Impairment of Assets’ is Not Applicable. In the opinion
of the bank, there is no impairment of its assets (to which
'krZ ds v/khu visf{kr igpku ds fy, 31-03-2022 dks fdlh egRoiw.
the standard applies) to any material extent as at 31.03.2022
kZ lhek rd ºzkl ugha gS½A requiring recognition in terms of the said standard).
15. o) Accounting Standard 29 - Provisions,

Contingent Liabilities and Contingent Assets
i i) Movement of provisions for liabilities*

Legal cases/
Particulars Salary arrears
contingencies
0.00 83.51
Opening Balance
çkjafHkd 'ks"k 0-00 83-51 (44.00) (74.20)
¼44-00½ ¼74-20½ Addition / 459.51 4.98
o"kZ ds nkSjku tksM+k 459-51 4-98 Provided during
the Year (0.00) (11.81)
x;k @ çnku fd;k ¼0-00½ ¼11-81)
x;k Amounts used 0.00 0.39
vof/k ds nkSjku ç;qä 0-00 0-39 during the Year (0.00) (0.23)
jkf'k;ka 0-00 ¼0-23½ Reversed during 0.00 2.52
o"kZ dh vof/k ds 0-00 2-52 the period Year (44.00) (2.27)
nkSjku fjolZ ¼44-00½ ¼2-27½ Balance as at 459.51 85.58
31.03.2023 (44.00) (83.51)
On actual
cfgokZg @ okLrfod Hkqxrku ij fuiVku @ fØLVyh- settlement /
Payment
vfuf'prkvksa dk le; okLrfod Hkqxrku ij dj.k ij cfgokZg crystallization
¼fuiVku @ fØLVyh- uncertainties
(On actual
dj.k ij cfgokZg½ settlement /
Payment)
*vU; crystallization)
ds fy, çko/kku dks NksMd
+ j
*Excluding provisions for others
ii½ vkdfLed ns;rkvksa ij vuqlwph & 12 ns[ksa%
ii) Refer Schedule-12 on contingent liabilities
Øe la[;k ¼i½]¼iii½] ¼iii½] ¼iv½] ¼v½ o¼vi½ dh ,slh ns;rk,a vnkyr @ Such liabilities at S.No.(I), (II), (III), (IV), (V) & (VI) are
iapkV @ vnkyr ls ckgj le>kSrs ds fu"d"kksaZ] vihyksa dk fuiVku] dependent upon the outcome of Court / arbitration / out of
ekaxh tk jgh jkf'k] lafonkxr nkf;Roksa dh 'krksZ]a lEc) ikfVZ;ksa }kjk court settlement, disposal of appeals, the amount being called
dh x;h ek¡xksa ij Øe'k: vkfJr gSaA up, terms of contractual obligations, devolvement and raising
of demand by concerned parties, respectively.
Other Disclosures:
16- O;fäxr @ lewg m/kkjdrkZvksa ds fy, vkjchvkbZ }kjk fu/kkZfjr 16. Bank’s Disclosure in respect of Credit Exposures
where the same had exceeded the Prudential
foosdiw.kZ ,Dlikstj ¼,ybZ½ <kaps ds vuqlkj 31-03-2023 dks lekIr Exposure limits as per Large Exposure (LE)
foÙkh; o"kZ gsrq ØsfMV ,Dlikstj tgka vf/kd Fkk] mlds laca/k esa cSad framework prescribed by RBI for Individual/Group
dk çdVhdj.k% Borrowers for the Financial year ended 31.03.2023:
Details of accounts where Bank has exceeded prudential
foÙkh; o"kZ 31-03-2023 ds fy, fV;j &1 iwath 60747-81 djksM+ ds exposure ceilings as per Large Exposure (LE) framework
vk/kkj ij O;fäxr vkSj lewg [kkrksa ds laca/k esa cM+s ,Dlikstj ¼,ybZ½ in respect of any Individual and Group Accounts based on
<kaps ds vuqlkj mu [kkrksa dk fooj.k uhps fn;k x;k gS] tgka cSad us
foosdiw.kZ ,Dlikstj lhek dks ikj fd;k gS% & 31.03.2023 are as below:-
Individual
Small
1- Hkkjrh; 12149-56 12735-80 20- 12686- $20-88% Industries Crores (20%
1. 12735.80 20.97% 12686.13 $20.88%
y?kq m|ksx djksM+ ¼fV;j 97% 13 Development of Tier – I
fodkl cSad &1 iwath dk Bank of India Capital)
20%½ *Group
*lewg NIL
'kwU;
(FY ended 31.03.2022)
(Amount i
,Dlikstj
¼31-03-2022
dks½
Individual
O;fäxr
Food
1- Hkkjrh; 12527- 14469-27 23-10% 14469- *23-10%
1.
Corpora- 12527.20
14469.27 23.10% 14469.27 *23.10%
[kk| fuxe 20 djksM+ 27 tion of Crores
India (20% of
¼fV;j & Tier – I
2 ukckMZ 14052-65 22-44% 14052- *22-44% 2. NABARD 14052.65 22.44% 14052.65 *22.44%
I iwt
a h dk Capital)
66
20%½ *Group
*lewg
NIL
'kwU;
RBI Circular dated 03.06.2019 has given leverage of 5% over
and above the ceiling of 20% of single counterparty under the
vkjchvkbZ ds ifji= fnukad 03-06-2019 us cSad dh cksMZ dh 'kfä;ksa
Bank’s Board Power. Board in its meeting dated 28.03.2017
ds rgr ,dy çfri{k ds 20% dh lhek ds vfrfjä 5% dk yhojst has approved that bank may in exceptional circumstances
fn;k gSA cksMZ us fnukad 28-03-2017 dh viuh cSBd esa ;g eatwjh nh consider enhancement of the exposure ceiling for single
gS fd cSad vlk/kkj.k ifjfLFkfr;ksa esa cM+s ,Dlikstj ds :i esa oxhZ—r
,dy çfri{kdkj ds fy, ,Dlikstj lhek dks 20% dh mPpre lhek above ceiling of 20%.
ds vfrfjä vkSj 5% rd c<+kus ij fopkj dj ldrk gSA $
The same was approved by the Board in its meeting dated
$mls cksMZ }kjk fnukad 04-06-2022 dh cSBd esa vuqeksfnr fd;k x;k
04.06.2022
FkkA * The same was approved by the Board in its meeting dated
* cksMZ dh fnukad 04-06-2021 dh cSBd esa bls vuqeksfnr fd;k x;k 04.06.2021
31-03-2023 dks lekIr foÙkh; o"kZ ds fy, O;fäxr vkSj lewg [kkrksa All the exposure (other than exempted exposure) of Individual
¼Åij ;Fkk mfYyf[kr dks NksM+dj½ ds lHkh ,Dlikstj ¼NwV çkIr and Group Accounts (except as mentioned above) for the
,Dlikstj ds vykok½ ,ybZ ÝseodZ ds vuqlkj fu/kkZfjr fu;ked
lhekvksa ds Hkhrj gSaA regulatory limits, as per LE Framework.
(Previous year- All the exposure (other than exempted

¼xr o"kZ & 31-03-2022 dks lekIr foÙkh; o"kZ ds fy, O;fäxr vkSj
exposure) of Individual and Group Accounts (except as
lewg [kkrksa ¼Åij ;Fkk mfYyf[kr dks NksM+dj½ ds lHkh ,Dlikstj
¼NwV çkIr ,Dlikstj ds vykok½ ,ybZ ÝseodZ ds vuqlkj fu/kkZfjr
fu;ked lhekvksa ds Hkhrj gSaA½ within the prescribed regulatory limits, as per LE Framework).
17. Disclosure: Letter of Comfort (LoC) -
“The Bank has issued a Letter of Comfort to Prudential

ÞcSad us ;wukbVsM fdaxMe esa fu;ked] çwMsaf'k;y jsxqys'ku vFk‚fjVh
Regulation Authority (PRA), the regulator in United Kingdom,
¼ ½ dks ;w-ds fLFkr viuh vuq"kaxh iatkc uS'kuy cSad ¼baVjuS'kuy½
fyfeVsM ds laca/k esa ,d pqdkSrh vk'oklu i= tkjh fd;k gS] ftlesa
subsidiary, Punjab National Bank (International) Ltd., UK so
;g vk'oklu fn;k x;k gS fd ;fn iatkc uS'kuy cSad ¼baVjus'kuy½
fyfeVsM] ;wds viuh çfrc)rk,¡ iwjh u dj ik, rks cSd a mls foÙkh;
lgk;rk çnku djsxkßA due”.
The said letter of Comfort has been renewed on 15.03.2022

mä pqdkSrh vk'oklu i= fnukad 15-03-2022 dks gekjh vuq"kaxh
after seeking approval of our Board in favor of PRA w.r.t. our
ih,uchvkbZ,y ls lacaf/kr ihvkj, ds i{k esa gekjs cksMZ ls vuqeksnu
çkIr djus ds ckn uohuh—r fd;k x;k gS] ftlesa geus viuh subsidiary PNBIL wherein we have reiterated our commitment.
çfrc)rk dks nksgjk;k gSA ;g uohuhdj.k ihvkj, vkSj vkjchvkbZ ds The renewal was done as per instruction of PRA and RBI.
funsZ'k ds vuqlkj fd;k x;k FkkA blds vfrfjä ,yvkslh dk okf"kZd Further Annual assessment of LOC was also done vide note
ewY;kadu Hkh fnukad 28-02-2023 dks cksMZ dh cSBd esa j[ks x, uksV dated 20.02.2023 placed in Board meeting dated 28.02.2023.
fnukad 20-02-2023 }kjk fd;k x;k FkkA Apart from the above, the Bank has not issued any Letter
mijksä ds vykok] cSad us lewg laLFkkvksa ¼{ks=h; xzkeh.k cSd a ksa dks of Comfort to Group Entities (Excl. RRBs) and therefore,
NksMd
+ j½ dks dksbZ pqdkSrh vk'oklu i= tkjh ugha fd;k gS vkSj blfy,]
pqdkSrh vk'oklu i= ds rgr dksbZ lap;h foÙkh; nkf;Ro ugha gSAa Comfort.
18. Disclosure: Letter of Undertaking-
The Bank has provided a Letter of Undertaking for PNB

ÞcSad us varjkZ"Vªh; foÙkh; lsok dsaæ çkf/kdj.k ¼vkbZ,Q,llh,½ ds
IBU Gift City Branch under Regulation 3(3) of International
fofu;e 3¼3½ ds varxZr ih,uch vkbZch;w fx¶V flVh 'kk[kk ds fy,
opu i= çnku fd;k gS fd% Financial Service Centre Authority(IFSCA) that:
“Bank will provide support and assistance (including liquidity,

^^blds vykok] cSad bl ckr dh iqf"V djrk gS fd og bl rjg dk
whenever needed) and as may be appropriate to enable
leFkZu vkSj lgk;rk çnku djsxk ¼tc Hkh vko';d gks] pyfuf/k
lfgr½ vkSj lapkyu ds nkSjku nkf;Roksa dks iwjk djus esa l{ke djus ds the banking unit to meet its obligations in the course of its
fy, fofu;ksftr gks ldrk gSA** obligation”.
Apart from the above the Bank has not issued any Letter of
mijksä ds vykok cSad us fons'kh 'kk[kkvksa ds fy, dksbZ pqdkSrh
vk'oklu i= tkjh ugha fd;k gS vkSj pqdkSrh vk'oklu i= ds rgr Comfort for overseas branches and there are no cumulative
dksbZ lap;h foÙkh; nkf;Ro ugha gSA
19. Reward Points of Credit Card –
PNB Global Credit Card holders are rewarded as and when

ih,uch Xykscy ØsfMV dkMZ /kkjd tc dHkh vius ØsfMV dkMZ dk
they make purchases through usage of Credit Card. Reward
ç;ksx djds [kjhnnkjh djrs gSa rks mUgsa fjo‚MZ ds vad çnku fd,
Points are generated at the time of usage of Credit Card
tkrs gSA ;s fjokMZ ds vad epsaZV laLFkku ij dkMZ/kkjd }kjk ØsfMV
dkMZ dk mi;ksx djrs le; tkjh fd, tkrs gSaA dkMZ/kkjd bu by Cardholder at merchant Establishment. Card holder can
,df=r vadksa dks fjMhe dj ldrk gSA fjo‚MZ vadksa ds dkj.k ns; redeem the accumulated reward points. The amount payable
jkf'k dks nSfud vk/kkj ij ykHk o gkfu ys[ks esa çHkkfjr fd;k tkrk
gS vkSj fofo/k çko/kku [kkrs esa ØsfMV fd;k tkrk gSA account and credited to Sundry Provision Account on daily
basis.
cdk;k fjo‚MZ va d ksa ¼Øsf MV dkMZ ½ rFkk muds lac a/k es a fd, x,
Position of outstanding reward points of Credit Cards
çko/kku dh fLFkfr fuEufyf[kr gS%
and Provision thereon:

cdk;k 'ks"k fjo‚MZ vad 225980457 203815605 Balance 225980457 203815605
bu vadksa ds fy, fd;k x;k 2-82 2-55 Reward Points
çko/kku ¼ -djksM+ esa½* outstanding
*ØsfMV dkMZ ds lac a/k esa fjo‚MZ i‚baV~ l ds çfr 1 i‚baV ds fy, Provision held for 2.82 2.55
- 0-50 dk çko/kku fd;k x;k gSA ØsfMV dkMZ fjokMZ i‚baV~l ds Crore)*
VªsaM ,ukfyfll ij uohure ,Dpq vjh fjiksVZ ds vuqlkj fiNys o"kZ
*The provision held against Rewards points in respect of
dh rjg vuqekfur vk/kkj ij lafpr fjokMZ i‚baV~l ds 25% dh
nj ls fjMsEi'ku dk çko/kku fd;k x;k gS A per latest actuary report on Trend Analysis of credit card
rewards points redemption provision has been made @25%
of accumulated Reward points on estimated basis as in the
¼jkf'k djksM+ esa½ previous year.
20. Disclosure related to Non -Banking assets:

laifÙk;ksa dh cdk;k 'ks"k laifÙk;ksa dh cdk;k 'ks"k
la[;k la[;k
12 26-45 13 50-21 Current Year Previous Year
No. of Balance No. of Balance

Properties Outstanding Properties Outstanding
12 26.45 13 50.21
pkyw o"kZ fiNys o"kZ
'kwU; 'kwU; 21. Corporate debt securities lent or acquired under repo
or reverse repo transactions:
22- Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj] cSad us vo#)
[kkrs rS;kj djus ds fy, 5 o"kksaZ ls vf/kd le; ls cdk;k varj
NIL NIL
'kk[kk ØsfMV çfof"V;ksa dh jkf'k dh x.kuk dhA rnuqlkj] 'kwU;
¼fiNys o"kZ 0-00 djksM+½ dh jkf'k dks fd;s x, [lek;kstu dks 22. As per RBI guidelines, the Bank worked out the amount
of Inter Branch Credit entries outstanding for more than
?kVkdj vuqlwph &5 esa "vU; ns;rk,a&vU;" ds rgr 'kkfey 5 years to create a Blocked Account. Accordingly, a sum
fd;k x;k gS]A
adjustments since carried out has been included under
23- ifjlj esa 3-72 djksM+ ¼ykxr½ dh 10 laifÙk;ka 'kkfey gSA
ewY;ºzkl jkf'k 2-27 djksM+ tks 'kh"kZd foys[kksa ds iathdj.k dh
23.
çrh{kk dj jgs gSaA (cost) & depreciation amount to Rs. 2.27 Crore are
awaiting registration of title deeds.
xr o"kZ% ifjlj esa 3-72 djksM+ ¼ykxr½ dh laifÙk vkSj #i;s
Previous year: Premises includes properties amounting
2-20 djksM+ dh ewY;ºzkl jkf'k 'kkfey gS tks 'kh"kZd foys[kksa ds
iathdj.k dh çrh{kk dj jgs gSaA Crore are awaiting registration of title deeds.
24- 31-03-2023 dks lekIr o"kZ ds fy, ifjlj esa 42-37 djksM+ dk 24.
iwathxr dk;Z 'kkfey gS ¼fiNys foÙkh; o"kZ 2021&22 esa 127-08 Crore for the year ended 31.03.2023 (in the previous
djksM+½A 25. Guidelines given in Micro, Small and Medium Enterprises
Development Act 2006 have been complied with for
25- lw{e] y?kq vkSj e/;e m|e fodkl vf/kfu;e 2006 esa fn, x, purchases made during the twelve months ended March
fn'kk&funsZ'kksa dk ikyu ekpZ 2023 ¼foÙk o"kZ 2022&23½ dks 2023 (FY 2022-23) and payments have been made to
lekIr ckjg eghuksa ds nkSjku dh xbZ [kjhn ds fy, fd;k x;k the Vendors in time as per Act. Since there had been no
gS vkSj vf/kfu;e ds vuqlkj foØsrkvksa dks le; ij Hkqxrku delay in payment, no penal interest applicable during
year ended March, 2023 (FY 2022-23)
fd;k x;k gSA pwafd Hkqxrku esa dksbZ nsjh ugha gqbZ Fkh] ekpZ] 2023
¼foÙk o"kZ 2022&23½ dks lekIr o"kZ ds nkSjku dksbZ naMkRed 26. Depreciation on Revalued Portion of Premises for the
C;kt ykxw ugha gqvkA
26- ekpZ] 2023 dks lekIr pkyw foÙkh; o"kZ ds fy, ifjlj ds Crores).
iquewZY;kadu Hkkx ij ewY;ºzkl 166-92 djksM+ ¼ekpZ 2022 dks
27. During the Financial Year ended 31.03.2023 the Bank
lekIr xr o"kZ 144-61 djksM+½ gSA has Revalued Immovable Properties (forming part of
27- 31-03-2023 dks lekIr foÙkh; o"kZ ds nkSjku] cSad us 30-06-2022 Schedule -10) during the quarter ended 30.06.2022,
dks lekIr frekgh ds nkSjku ckgjh Lora= ewY;kadudrkZvksa ls based on the reports obtained from external independent
valuers. As at 31.03.2023 the revaluation surplus (net)
çkIr fjiksVZ ds vk/kkj ij vpy laifÙk;ksa ¼vuqlwph &10 dk
amounting to Rs. 1737.65 crore is credited to the
fgLlk½ dk iquewZY;kadu fd;k gSA 31-03-2023 rd iquewZY;kadu
vf/k'ks"k ¼fuoy½ 1737-65 djksM+ #i;s dh jkf'k iquewZY;kadu 2021-22 ended March, 2022 the Bank has not Revalued
vkjf{kr fuf/k esa tek fd;k gSA ¼ekpZ] 2022 dks lekIr foÙkh; Immovable Properties.)
o"kZ 2021&22 esa cSad us vpy laifÙk;ksa dk iquewYZ ;kadu ugha
28. In compliance of RBI letter no. BPC.7201/21.04.132/2017-
fd;k gSA 18 dated 08.02.2018, Bank has made a provision of
28- vkjchvkbZ ds i= la- chihlh-7201@21-04-132@2017&18
fnukad 08-02-2018 ds vuqikyu esa] cSad us iatkc ljdkj
dks nh?kZdkfyd _.k ¼,yVh,y½ ds fy, vfxze ds laca/k esa Advance to Government of Punjab Long term Loan (LTL).
31-03-2023 dh fLFkfr ds vuqlkj 1871-68 djks M+ ¼fiNys
29. In terms of RBI Letter no. DBR.
o"kZ 1979-11 djksM+½ ds ekS twnk cdk;k dk 5% gksus ds ukrs
No.BP.15199/21.04.048/2016-17 dated June 23, 2017
93-58 djksM+¼fiNys o"kZ 98-95 djksM+½ dk çko/kku fd;k gSA (RBI List-1) and Letter no. DBR.BP.1908/21.04.048/2017-
29- fnokyk vkSj 'kks/ku v{kerk lafgrk ¼vkbZchlh½ ds çko/kkuksa ds rgr 18 dated August 28, 2017 (RBI List-2) for the accounts
admitted under the provisions of Insolvency & Bankruptcy
'kkfey fd, x, [kkrksa ds fy, vkjchvkbZ ds i= la[;k Mhchvkj-la-
Code (IBC), the Bank is holding total provision of
chih-15199@21-04-048@2016&17 fnukad 23 twu 2017 ¼vkjchvkbZ
lwph&1½ vkSj i= la- Mhchvkj-chih-1908 /21-04-048@2017&18 List 2 accounts) as on March 31, 2023 (100.00% of
fnukad 28 vxLr] 2017 ¼vkjchvkbZ lwph&2½ ds vuqlkj] ¼vkjchvkbZ
lwph 1 vkSj lwph 2 [kkrksa dk dqy çko/kku½ 31 ekpZ] 2023 rd ¼ldy (Aggregate provision of RBI List 1 and List 2 accounts),
,uih, vfxze dk 100-00%½ cSd a ds ikl dqy 9297-46 djksM+ dk 99.78% of Gross NPA advances).
çko/kku gSA ¼xr o"kZ 8]384-09 djksM+ ¼vkjchvkbZ lwph 1 vkSj lwph 30. The Board of Directors has recommended a dividend of
2 [kkrksa dk dqy çko/kku½] ldy ,uih, vfxze dk 99-78%½A Re.0.65 per equity share (32.50%) for the year ended
March 31, 2023 subject to requisite approvals.
30- funs'kd eaMy us visf{kr vuqeksnu ds v/khu 31 ekpZ] 2023 dks
lekIr o"kZ ds fy, 0-65 #i;s çfr bfDoVh 'ks;j ¼32-50%½ ds 31. Pursuant to cessation of the operations of the branch at
Hong Kong, disposal of its major assets and liabilities,
ykHkka'k dh flQkfj'k dh gSA
31- gkaxdkax esa 'kk[kk ds lapkyu dh lekfIr ds vuqlj.k esa] bldh repatriated. The impact of closure of operations in this
çeq[k vkfLr;ksa ,oa nsunkfj;ksa dk fuiVku] cht iwath rFkk lafpr
ykHk dks çR;kofrZr fd;k x;k gSA bl 'kk[kk esa ifjpkyu can 32. In terms of RBI Circular no. DOR.ACC.REC.
gksus dk cSad ds dkjksckj ij dksbZ [kkl vlj ugha iM+k gSA No.91/21.04.018/2022-23 dated 13.12.2022, the
disclosure relating to item under the subhead
32- vkjchvkbZ ds ifji= la[;k Mhvksvkj-,lhlh-vkjbZlh- la[;k ‘Miscellaneous Income’ under the head ‘Schedule 14 -
91@21-04-018@2022&23 fnukad 13-12-2022] ds lanHkZ esa dqy Other Income' exceeding one percent of total income, is
vk; dk ,d çfr'kr ls vf/kd ^vuqlwph 14 & vU; vk;* as under:
ds varxZr mi'kh"kZ ^fofo/k vk;* ds rgr vkbVe ls lacaf/kr Amount (Rs. In Crore)
çdVhdj.k] bl çdkj gS% Items under the Sub- Current Previous Year
jkf'k ¼djksM+ #-esa½ head Year
6508.05 3440.64
A/Cs
cês [kkrs esa Mkys x, [kkrksa esa olwyh 6508-05 3440-64 ATM / Kiosk Charges 984.73 913.17
,Vh,e/fd;ksLd çHkkj 984-73 913-17
a) There is no item under ‘Other expenditure’ in schedule
,½ vuqlwph 16 esa ^vU; O;;* ds varxZr dksbZ en ugha gS% ifjpkyu 16: Operating Expenses that exceeds 1% of total income.
O;; tks dqy vk; ds 1% ls vf/kd gksA b) There is no item under ‘Others (including provisions)’ in
schedule 5: Other Liabilities and Provisions that exceeds
ch½ vuqlp
w h 5 esa ^vU; ¼çko/kkuksa lfgr½* ds varxZr dksbZ en ugha gS% 1% of total assets.
vU; ns;rk,a vkSj çko/kku tks dqy laifÙk ds 1% ls vf/kd gSA
c) There is no item under ‘Others’ in schedule 11: Other
lh½ vuqlwph 11 esa ^vU;* ds varxZr dksbZ en ugha gS% vU; vkfLr;ka Assets that exceeds 1% of total assets.
tks dqy vkfLr;ksa ds 1% ls vf/kd gSaA 33. I. Figures of the previous periods have been regrouped /
33- I- fiNyh vof/k;ksa ds vkadM+ksa dks orZeku vof/k ds oxhZdj.k

ds vuq:i cukus ds fy, tgka dgha vko';d gks] iqulZewfgr@
II. Figures in the bracket wherever given relates to
iquoZ~;ofLFkr@iquoZxhZ—r fd;k x;k gSA previous year.
II- dks"Bd esa fn, x, vkadM+s tgka dgha fn, x, gSa xr o"kZ ls
lacaf/kr gSaA

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CHAIRMAN'S MESSAGE

tSlk fd oSf'od vfuf'prrk,a cuh gqbZ gS] Hkkjrh;

cSafdax {ks= us jk"Vª fuekZ.k dh fn'kk esa ;ksxnku nsuk

Performance of the Bank

cSad dh 128+ o"kksaZ dh ;k=k ?kVukiw.kZ vkSj pqukSrhiw.kZ

cSad ds eq[; [kqnjk dkjksckj esa 15-21 çfr'kr dh o`f)

31 ekpZ 2023 dks Vh;j&I iwath 12-69 çfr'kr dh o`f)

fiNys foÙk o"kZ ds nkSjku cSad ds mR—"V dk;Zfu"iknu

u, mRiknksa ,oa lsokvksa dks viukrs le;] cSad ;g

vkSj vius fotu

vkidk] Yours Sincerely

lai.w kZ cSfa dax m|ksx us foÙk o"kZ 2022&23 ds nkSjku lq–<+

cSafdax ifj–'; Hkh fMftVy Økafr ,oa rduhdh uokpkjksa

fiNys o"kZ Hkh lef"V vkfFkZd ekspsZ ij pqukSfr;ka ekStwn

The Global Economy

varjjk"Vªh; eqnkz dks"k ¼vkbZ,e,Q½ ds vuqlkj] oSf'od

dsaæh; cSadksa ls vis{kk gS fd os eqækLQhfr dks fu;af=r

vkbZ,e,Q dks mEehn gS fd foÙk o"kZ 2022&23 esa

foÙk o"kZ 2022&23 esa dsUæh; cSad ds fy, egaxkbZ dk

foÙk o"kZ 2023&24 esa vkxs c<+rs gq,] vkfFkZd ifjfLFkfr;ka

31 ekpZ 2023 dks cSad dk ldy oSf'od dkjksckj #i;s

vkids cSad dk /;ku ,sls dkjksckj dks tqVkusa ij gS

cSad us foÙk o"kZ 2022&23 esa 22]529 djksM+ #i;s dk

cSad dk ldy ,uih, 31 ekpZ 2022 ds 92]448 djksM+ st

#i;s ls ?kVdj 31 ekpZ 2023 dks 22]585 djksM+ #i;s st

gks x;kA fuoy ,uih, vuqikr esa 208 chih,l dk

lhbZVh 1 11-22 çfr'kr vkSj fV;j II iwath 2-81 çfr'kr

fMftVyhdj.k cSad ds fy, ,d çeq[k /;kukd"kZ.k {ks=

jSe lsxesaV esa lrr fodkl vkids cSad ds ØsfMV

rqyuk esa 31 ekpZ 2023 dks 4]69]981 djksM+ #i;s Fkk]

1 yk[k ls vf/kd lefiZr deZpkjh gekjh lcls cM+h

eq>s ;g crkrs gq, xoZ dk vuqHko gks jgk gS fd foÙk

foÙkh; foojf.k;ka ¼,dy½ Financial Statements (Standalone)

lesfdr foÙkh; foojf.k;kaa Consolidated Financial Statements

'ks;j varj.k ,tsaV SHARE TRANSFER AGENT

ykHkka'k ds fy, fjd‚MZ frfFk 'kqØokj] 23 twu] 2023

ykHkka'k Hkqxrku frfFk 'kqØokj] 14 tqykbZ] 2023

(Rs .000 dks NksM+ fn;k x;k gS )

CAPITAL AND LIABILITIES

çcq) 'kekZ eqds'k dqekj vkj ds [khph çoh.k dqekj 'kekZ

lgk;d egkçca/kd lgk;d egkçca/kd mi egkçca/kd egkçca/kd

,e ijef'koe fcuksn dqekj dY;k.k dqekj fot; nqcs

vrqy dqekj xks;y ds th vuar—".ku

M‚- js[kk tSu xkSre xqgk latho dqekj fla?ky

iadt tks'kh vfuy dqekj feJk iadt 'kekZ

—rs ,l lh ckiuk ,aM ,lksfl,V~l —rs Mh ds NktM+ ,aM daiuh

lunh ys[kkdkj t; çdk'k xqIrk lunh ys[kkdkj uan fd'kksj ljkZQ

LFkku% ubZ fnYyh

Total 97286,64,26 87199,49,48

Total 94779,43,77 83742,53,12

tksM+sa% ykHk vkSj gkfu [kkrs esa 'ks"k

¼jkf'k djksM+ esa½ 1. a) Composition of Regulatory Capital (Amount in Crore)

uksV% lhbZVh I iwath esa 9268-29 djksM+ lekesyu fufèk;ka 'kkfey

RBI vide circular no. DOR.No.CAP.REC.3/21.06.201/2022-23

iquewZY;kafdr laifÙk Dispensation on

Deposits Advance Borrowings Foreign Currency Foreign Currency

1 fnu 13519.24 9979.58 0.00 977.62 11891.37 34928.02

(14555.40) (2209.26) (0.00) (5622.46) (8886.62) (1508.48)

2 ls 7 fnu 26725.83 14502.50 1026.87 780.65 4268.95 3853.94

(25946.99) (17764.11) (943.37) (0.31) (2733.67) (2024.12)