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3. 1
Jeeef<e&keÀ efjHeesì& 2019-20
¬eÀ. efJe<e³e met®eer Contents He=þ ke´À.
No. Page No.
1. efveosMekeÀ ceb[ue Board of Directors 2
2. cenehe´yebOekeÀieCe General Managers 3
3. he´yebOe efveosMekeÀ SJeb meerF&Dees keÀe keÀLeve Statement of Managing Director & CEO 4
4. cegK³e keÀe³e&-efve<Heeove mebkesÀlekeÀ Key Performance Indicators 6
5. he´ieefle SkeÀ ve]pej ceW Progress at a glance 7
6. efveosMekeÀeW keÀer efjheesì& Directors’ Report 8
- he´yebOeve ®e®ee& Deewj efJeMues<eCe
- Management Discussion and Analysis 8
- keÀe³e&-efve<Heeove efJeMes<eleeSb 2019-20
- Performance Highlights 2019-20 8
- mebmeeOeveë MeeKee vesìJeke&À, ceeveJe mebmeeOeve, DeeF&ìer DeJemebj®evee, - Resources: Branch Network, Human Resources,
ie´enkeÀj Devegefke´À³eeMeeruelee Deewj Dev³e It Infrastructure, Customers Responsiveness and Others 14
- meeceeefpekeÀ / met#ce DeeefLe&keÀ efJekeÀeme
- Socio/Micro Economic Development 20
- yeQkeÀ keÀer cenlJeHetCe& ³eespeveeSb/Heefj³eespeveeSb
- Important Schemes/ Projects of the Bank: 22
- efveieefcele meeceeefpekeÀ oeef³elJe
- Corporate Social Responsibility 24
- Deie´Ceer yeQkeÀ ³eespevee
- Lead Bank Scheme 25
- mene³ekeÀ kebÀHeefve³eeb / meb³egkeÌle GÐece Deewj He´e³eesefpele mebmLeeSb - Subsidiaries/Joint Ventures and Sponsored Institutions 28
- jepeYee<ee veerefle keÀe keÀe³ee&vJe³eve
- Implementation of Official Language Policy 29
- megj#ee
- Security 30
- meef®eJeer³e uesKee Hejer#ee
- Secretarial Audit 30
- efveosMekeÀeW keÀer efpeccesoejer keÀe keÀLeve
- Directors’ Responsibility Statement 30
- efveosMekeÀ ceb[ue ceW HeefjJele&ve
- Changes in the Board of Directors: 31
- ueeYeebMe efJelejCe veerefle
- Dividend Distribution Policy 31
- J³eJemee³e GÊejoeef³elJe efjHeesì&
- Business Responsibility Report 31
- DeeYeej
- Acknowledgement 31
7. keÀeheexjsì ieJeveXme efjheesì& Corporate Governance Report 38
8. leguevehe$e Balance Sheet 70
9. ueeYe Je neefve uesKee Profit & Loss Account 71
10. KeeleeW hej efìhheefCe³eeb Notes on Accounts 72
11. cenlJehetCe& uesKee veerefle³eeb Significant Accounting Policies 81
12. vekeÀoer he´Jeen keÀe efJeJejCe Cash Flow Statement 120
13. uesKee hejer#ekeÀeW keÀer efjheesì& Auditors’ Report 122
14. yesmeue III He´keÀìve Basel III Disclosures 134
15. mecesefkeÀle efJeÊeer³e efJeJejCe Consolidated Financial Statements 165
Deveg¬eÀceefCekeÀe INDEX
meebefJeefOekeÀ uesKee hejer#ekeÀ STATUTORY AUDITORS
17 ¨¸ì ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ ˆÅ¸ ›¸¸½¢’¬¸ ¬¸¿¥¸Š›¸
NOTICE FOR 17TH ANNUAL GENERAL MEETING ENCLOSED
(œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ : `¥¸¸½ˆÅŸ¸¿Š¸¥¸', 1501, ¢©¸¨¸¸]¸ú›¸Š¸£, œ¸ºµ¸½ 411 005)
(Head Office: 'Lokmangal', 1501, Shivajinagar, Pune - 411 005)
ke=Àles cewmeme& Sce. [er. iegpejeleer Sb[ kebÀheveer
‡ûÅ‚¸£‡›¸:005301‡›¸
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
for M/s. M. D. Gujrati & Co.
FRN: 005301N
Chartered Accountants
ke=Àles cewmeme& kesÀ. ieesheeue jeJe Sb[ kebÀheveer
‡ûÅ‚¸£‡›¸: 000956‡¬¸
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
for M/s. K Gopal Rao & Co
FRN: 000956S
Chartered Accountants
ke=Àles cewmeme& yeeìueeryeesF& Sb[ hegjesefnle
SHeÀDeejSve: 101048 [yu³et
meveoer uesKeekeÀej
for M/s. Batliboi & Purohit
FRN: 101048W
Chartered Accountants
ke=Àles cewmeme& DeyeCee& Sb[ DevebLeve
SHeÀDeejSve: 000003‡¬¸
meveoer uesKeekeÀej
for M/s. Abarna & Ananthan
FRN: 000003S
Chartered Accountants

4. Annual Report 2019-20
2
efveosMekeÀ ceb[ue / BOARD OF DIRECTORS
31-03-2020 keÀer efmLeefle kesÀ Devegmeej / As on 31-03-2020
ªú ‡. ‡¬¸. £¸]¸ú¨¸ Shri A. S. Rajeev
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ Managing Director & CEO
ªú í½Ÿ¸›÷¸ ’Ÿ’¸ Shri Hemant Tamta
ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ Executive Director
ªú ›¸¸Š¸½©¨¸£ £¸¨¸ ¨¸¸ƒÄ. Shri Nageswara Rao Y.
ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ Executive Director
ªúŸ¸÷¸ú ¨¸¿¢™÷¸¸ ˆÅ¸¾¥¸
Smt. Vandita Kaul
ªú ‡Ÿ¸. ˆ½Å. ¨¸Ÿ¸¸Ä
Shri M K Verma
ªú ‚¸£. ÷¸¸Ÿ¸¸½š¸£›¸
Shri R. Thamodharan

5. 3
Jeeef<e&keÀ efjHeesì& 2019-20
ªú ¥¸®Ÿ¸ú›¸¸£¸¡¸μ¸ £˜¸ Shri Laxminarayan Rath
Ÿ¸º‰¡¸ ¬¸÷¸ˆÄÅ÷¸¸ ‚¹š¸ˆÅ¸£ú½ Chief Vigilance Officer
cenehe´yebOekeÀieCe / GENERAL MANAGERS
31-03-2020 keÀer efmLeefle kesÀ Devegmeej / As on 31-03-2020
”¸Á. ‡›¸. Ÿ¸º¢›¸£¸]¸º
Dr. N. Muniraju
ªú ‡›¸. £¸Ÿ¸ ¤¸¸¤¸º
Shri N. Ram Babu
ªú ¨¸ú. œ¸ú. ªú¨¸¸¬÷¸¨¸
Shri V. P. Srivastava
ªú œÏ©¸¸¿÷¸ ‚¸£. ‰¸’¸¨¸ˆÅ£
Shri Prashant R Khatawkar
ªú „››¸Ÿ¸ ‚¸£. £¸¨¸
Shri Unnam R. Rao
ªú Ÿ¸í½©¸ ]¸ú. Ÿ¸í¸¤¸§½æ¸£ˆÅ£
Shri Mahesh G Mahabaleshwarkar
ªú ‡¬¸. ˆ½Å. íµ¸Ÿ¸©¸½’
Shri S K Hanamshet
ªú œ¸ú. ‚¸£. ™¸÷¸¸£
Shri P R Datar
ªú ¨¸ú. ”ú. ˆÅ¸½¥í’ˆÅ£
Shri V D Kolhatkar
ªú ¨¸ú. ‡›¸. ˆÅ¸¿¤¸§½
Shri V N Kamble
ªú ¬¸¿]¸¡¸ ³ÅÍ
Shri Sanjay Rudra
ªú ‡›¸. ‡¬¸. ™½©¸œ¸¸¿”½
Shri N.S. Deshpande
ªú ¢¨¸¨¸½ˆÅ ‹¸¸’½
Shri Vivek Ghate

6. Annual Report 2019-20
4
Dear Shareholders,
I extend a very warm welcome to each one of you to the 17th
Annual
General Meeting of your Bank. In July 2019, the Union Budget 2019-
20 articulated the vision of the Hon’ble PM to make India a US$ 5
trillion economy by 2024-25. The march towards this milestone has,
been challenged by less than expected growth of India’s GDP till now,
on the back of a decline in world output. The economy suffered a
slowdown in GDP growth which fell from 7% in FY2018 & 6.1% in
FY 2019 and further to 4.2% in FY2020, due to falling consumption,
investment and exports. During the last few weeks of March 2020 the
impact of COVID-19 started coming in, which now imposes a deep
and extensive negative shock to the global economy as the wide-
ranging containment measures enacted around the world constrained
both supply and demand.
With weak economic growth and falling consumption, the Government
in 2019 took many important reforms which included speeding up the
insolvency resolution process under Insolvency and Bankruptcy Code
(IBC), launching external benchmark linked loan products, relaxation
of ECB guidelines for home buyers, easing of credit, particularly for
the stressed real estate, NBFC sectors and announcing the National
Infrastructure Pipeline amongst others. Fiscal stimulus equal to
(~0.5% of GDP) was provided by lowering corporate tax rates. In an
attempt to boost demand, the year also witnessed significant easing
of monetary policy with the repo rate cuts by RBI by total of 135 bps
from February to October 2019. In March 2020, given the extension
of the COVID-19 outbreak, RBI further reduced the repo rate by 75
bps to 4.40%.
Performance of your Bank
As the consequences of the Covid-19 pandemic on the economy
and financial sector are still unfolding, I am happy to share that your
bank is continuing to successfully navigate in these turbulent times
amidst a rapidly changing environment. Despite a challenging year,
the Bank stood firm in supporting its customers which further provided
‡. ‡¬¸. £¸]¸ú¨¸
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½
A. S. Rajeev
Managing Director & CEO
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ˆÅ¸ ˆÅ˜¸›¸ STATEMENT OF MANAGING DIRECTOR & CEO
¢œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê,
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7. 5
Jeeef<e&keÀ efjHeesì& 2019-20
opportunity to understand customers’ plight. Amidst the pandemic, our
focus was and remains the safety of our employees, uninterrupted
delivery of services to our customers and the financial well-being of
the bank. Against this backdrop, your bank delivered competitive,
profitable and responsible growth in FY20. Here are some key data:
• Total Business of your bank increased to ` 2,44,955 crore as on
31.03.2020, showing an annual growth of 4.63%.
• Total Deposits increased to ` 1,50,066 crore as on 31.03.2020,
showing an annual growth of 6.69%.
• Your bank recorded a Net Profit of ` 389 crore for the year as
against loss of ` 4,784 crore on y-o-y basis.
• Gross NPA & Net NPA reduced to 12.81% & 4.77% as on
31.03.2020 from 16.40% & 5.52% on y-o-y basis respectively.
• Capital Adequacy Ratio and CET-1 of the bank stood at 13.52%
& 10.67% respectively as on 31.03.2020 which is above the
regulatory requirement.
• Your Bank made a strategic decision to rebalance its advances
portfolio and accordingly Retail, Agriculture and MSME (RAM)
sector showed an improvement to 57.29% as on 31.03.2020
from 50.98% as on 31.03.2019.
During the year, your Bank had taken new business initiatives as
under:
• Introduced new schemes - Maha Contractor Scheme, Maha
Hospitality Scheme and ‘Standby Line of Credit for MSME (SLC-
MSME)
• Introduced Standby line of credit for working capital (SLC-WC) to
give additional comfort to the existing MSME borrower in regard
to liquidity easing.
• Under Contactless Cards, the bank launched National Common
Mobility Card (NCMC)
• In the Internet banking, additional 13 services and 42
functionalities were added for more customer ease and
convenience.
• Introduced Repo Linked Lending Rate Housing Loan(RLLR)
(Special Scheme) & New Salary Saving Account Product
Way forward
We are entering the new financial year at a time when all major
economies have been brought to a standstill. The impact of the
Covid-19 pandemic has been fast and widespread, and the next few
months will be challenging for everyone, individuals and organizations.
As per the IMF, the pandemic is now expected to weaken global
economic activity substantially in 2020 with the global economy
projected to contract by 4.9% in 2020, much worse than during the
2008–09 global financial crisis. On the other hand, the economic
downturn is not due to any structural problem in the economy, but due
to an externality that has hit the pause button on the economic activity.
I am quite confident that whenever that externality is removed, an
equally quick economic recovery will follow. Amidst these challenging
times, we will continue to stay close to our customers, align ourselves
to their evolving priorities and launch newer offerings that address
current imperatives.
With all these strengths, I believe our business will only get better
through the months ahead and we will be better positioned than ever
to help our customers to lead in the new normal. As we navigate these
uncertain times together with our customers, I look forward to your
continued support.
A. S. Rajeev
Managing Director & CEO
ˆÅ¢“›¸¸ƒ¡¸¸Ê ˆÅ¸½ ¬¸Ÿ¸^¸›¸½ ˆÅ¸ ‚¨¸¬¸£ ¢Ÿ¸¥¸¸— Ÿ¸í¸Ÿ¸¸£ú ˆ½Å ¤¸ú¸, ퟸ¸£½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ¬¸º£®¸¸,
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œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‡¿ ˜¸ú¿— ƒ¬¸ œ¸¼«“ž¸»¢Ÿ¸ Ÿ¸Ê, ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2020 Ÿ¸Ê œÏ¢÷¸¬œ¸š¸úÄ, ¥¸¸ž¸œÏ™
‚¸¾£ ¢]¸ŸŸ¸½™¸£úœ¸»µ¸Ä ¨¸¼¢Ö ˆÅ¸½ ‚¿]¸¸Ÿ¸ ¢™¡¸¸ í¾— ˆºÅŽ œÏŸ¸º‰¸ ”½’¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
•• 31.03.2020 ˆÅ¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ¨¡¸¨¸¬¸¸¡¸ 4.63% ˆÅú ¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ™©¸¸Ä÷¸½
íº‡ ¤¸[õˆÅ£ ` 2,44,955 ˆÅ£¸½”õ í¸½ Š¸¡¸¸—
•• 31.03.2020 ˆÅ¸½ ˆºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ 6.69% ˆÅú ¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ™©¸¸Ä÷¸½ íº‡ ¤¸[õˆÅ£
`1,50,066 ˆÅ£¸½”õ í¸½ Š¸ƒÄ—
•• ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¨¸«¸Ä-™£-¨¸«¸Ä ‚¸š¸¸£ œ¸£ ³Å. 4,784 ˆÅ£¸½”õ ˆÅú í¸¢›¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¨¸«¸Ä
ˆ½Å ¢¥¸‡ `389 ˆÅ£¸½”õ ˆÅ¸ ¥¸¸ž¸ œÏ¸œ÷¸ ¢ˆÅ¡¸¸—
•• ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ ‚¸¾£ ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ ¨¸«¸Ä-™£-¨¸«¸Ä ‚¸š¸¸£ œ¸£ 16.40% ‚¸¾£
5.52% ¬¸½ ‹¸’ˆÅ£ 31.03.2020 ˆÅ¸½ ÇÅŸ¸©¸À 12.81% ‚¸¾£ 4.77% í¸½ Š¸¡¸½ —
•• 31.03.2020 ˆÅ¸½ ¤¸ÿˆÅ ˆÅ¸ œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ‚¸¾£ ¬¸úƒÄ’ú-1 ÇÅŸ¸©¸À
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8. Annual Report 2019-20
6
cegK³e keÀe³e& efveo<Heeove mebkesÀlekeÀ / KEY PERFORMANCE INDICATORS
0
20
40
60
80
100
0
5
10
15
20
25
PCR
Gross
&
Net
NPA
Ra
o
Non Performing Assets & Provision Coverage Ratio (PCR)
Gross NPA ra o Net NPA ra o ProvisionCoverage Ra o
0
20
40
60
0
50000
100000
150000
200000
CASA
Share
Deposits
(in
Rs.
Crore)
Deposits & CASA Share in Total Deposits
Deposits CASASharein Total deposits
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
1
1
0
20
40
60
80
100
0
5
10
15
20
25
PCR
Gross
&
Net
NPA
Ra
o
Non Performing Assets & Provision Coverage Ratio (PCR)
Gross NPA ra o Net NPA ra o ProvisionCoverage Ra o
0
20
40
60
0
50000
100000
150000
200000
CASA
Share
Deposits
(in
Rs.
Crore)
Deposits & CASA Share in Total Deposits
Deposits CASASharein Total deposits
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
0
20000
40000
60000
80000
100000
120000
Advances & RAM
Total Advances RAM
0
20
40
60
80
100
0
5
10
15
20
25
PCR
Gross
&
Net
NPA
Ra
o
Non Performing Assets & Provision Coverage Ratio (PCR)
Gross NPA ra o Net NPA ra o ProvisionCoverage Ra o
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
0%
20%
40%
60%
80%
100%
Advances & RAM Share
Micro and Small Enterprises Agriculture
Retail Advances Total Advances
0
10
20
30
40
50
60
70
80
90
Credit - Deposit ra o Cost to Income Ra o
Credit-Deposit (CD) Ratio & Cost to Income Ratio
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
0%
20%
40%
60%
80%
100%
Advances & RAM Share
Micro and Small Enterprises Agriculture
Retail Advances Total Advances
-50 -40 -30 -20 -10 0 10 20 30
Business Per Employee Profit Per Employee
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
0%
20%
40%
60%
80%
100%
Advances & RAM Share
Micro and Small Enterprises Agriculture
Retail Advances Total Advances
-50 -40 -30 -20 -10 0 10 20 30
Business Per Employee Profit Per Employee
2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20

9. 7
Jeeef<e&keÀ efjHeesì& 2019-20
(` keÀjesæ[ ceW) (` in Crore)
2015-16 2016-17 2017-18 2018-19 2019-20
he´oÊe hetbpeer Paid up Capital 1168 1168 2598 2753 5824
Deejef#eefle³eeb Reserves 7619 6211 7346 2986 4931
kegÀue peceejeefMe³eeb Total Deposits 138990 139053 138981 140650 150066
Je=ef× % Growth % 13.82 0.05 (0.05) 1.20 6.69
kegÀue peceejeefMe³eeW ceW keÀemee keÀe DebMe CASA Share in Total deposits 36.67 44.89 47.74 49.65 50.29
Deefie´ce Advances 111240 101537 94645 93467 94889
Je=ef× % Growth % 9.91 (8.72) (6.79) (1.24) 1.52
efjìsue Deefie´ce Retail Advances 12568 15792 16547 18805 22810
he´eLeefcekeÀlee #es$e Deefie´ce Priority Sector Advances 41485 40388 40709 35426 38,900
ke=Àef<e Agriculture 17175 17960 17199 15120 14385
met#ce Je ueIeg GÐece Micro and Small Enterprises 22144 20419 15940 13727 17164
DeuhemebK³ekeÀ Jeie& keÀes Deefie´ce Advances to Minority Sections 3037 2921 2887 2923 3017
Depee/Depepee Jeie& keÀes Deefie´ce Advances to SC / ST Sections 1684 1738 2333 2317 2455
efve³ee&le $eÝCe Export Credit 1226 1213 1210 1200 1167
kegÀue Dee³e Total Income 14072 13570 12602 12397 13145
kegÀue J³e³e Total Expenditure 11727 11743 10411 10199 10298
heefj®eeueve ueeYe Operating Profit 2345 1827 2191 2198 2847
efveJeue ueeYe Net Profit 101 (1373) (1146) (4784) 389
MeeKeeDeeW keÀer mebK³ee Number of Branches 1895 1897 1846 1832 1833
SìerSce keÀer mebK³ee Number of ATMs 1861 1878 1864 1858 1851
he´cegKe efve<heeove Devegheele (%) Key Performance Ratios (%)
hetbpeer he³ee&hlelee Devegheele-yesmeue II(%)
Capital Adequacy Ratio- Basel II (%)
11.2 11.18 11.00 11.86 13.52
he´efle Mes³ej Dee³e Earning Per Share 0.91 (11.75) (8.98) (14.26) 0.67
he´efle Mes³ej yener cetu³e Book Value Per Share 63.36 46.96 23.73 10.29 11.99
he´efle keÀce&®eejer J³eJemee³e Business Per Employee 18.18 18.54 18.07 18.13 19.55
he´efle keÀce&®eejer ueeYe (` ueeKe ceW) Profit Per Employee (` in lakhs) 0.73 (10.58) (8.86) (37.04) 3.10
Deewmele Deeeqmle³eeW hej Dee³e Return on Average Assets 0.07 (0.86) (0.73) (3.01) 0.23
ueeiele Dee³e Devegheele Cost to Income Ratio 52.12 60.98 55.24 58.39 51.97
mekeÀue Devepe&keÀ Deeeqmle Devegheele Gross NPA ratio 9.34 16.93 19.48 16.40 12.81
efveJeue Devepe&keÀ Deeeqmle Devegheele Net NPA ratio 6.35 11.76 11.24 5.52 4.77
he´eJeOeeve keÀJejspe Devegheele Provision Coverage Ratio 45.04 44.48 58.71 81.49 83.97
$eÝCe- pecee Devegheele Credit- Deposit ratio 80.03 73.02 68.10 66.45 63.23
SSveyeermeer keÀes he´eLeefcekeÀlee $eÝCe Priority Credit to Adjusted Net Bank Credit 39.82 34.99 38.63 40.70 41.2
he´ieefle SkeÀ vepej ceW Progress at a Glance

10. Annual Report 2019-20
8
Your Directors’ have pleasure in presenting the Annual Report of the
Bank with the audited Balance Sheet, Profit & Loss Account and the
Report on Business and Operations for the year ended March 31,
2020.
1. MANAGEMENT DISCUSSION AND ANALYSIS:
1.1 Economic and Banking Scenario 2019-20
The financial year 2019-20 was a difficult year for the global
economy with world output growth growing at its slowest pace
of 2.9% since the global financial crisis of 2009. With the onset
of the COVID-19 outbreak in early January 2020, the situation
worsened. Due to falling consumption, investment & exports,
the economy suffered a slowdown in growth, wherein GDP
growth fell from 7% in FY2018 & 6.1% in FY2019 to 4.2% in
FY20. The fall in growth was sharp in industrial sector which
fell to 0.9% y-o-y from 4.9%; moderation in services sector
(growing at 5.5% compared to 7.7% in the previous year),
which was offset by an uptick in the growth of agriculture sector
(growing at 4% against 2.4% in the previous year) due to
healthy precipitation.
With weak economic growth, falling consumption & tax
collection, the Government took important reforms measures
to boost investment and consumption. However, the outbreak
of Covid-19 in India and consequent nation-wide lockdown
dampened the momentum. Bank credit growth in the year
ended up at a much lower rate than was expected.
1.2 Outlook for 2020-21
To counter the impact of COVID-19, the Government of India
unveiled a stimulus package worth INR 20-lakh-crore (~10%
of GDP) with a focus on MSMEs, migrant workers, farmers,
urban poor and NBFCs. While providing adequate liquidity to
the financial system the Reserve Bank of India also reduced
the policy repo rate by 175 basis points since February 2020.
Economic activities in the first couple of FY21 was in a standstill
due to the nationwide lockdown imposed. Consequently, while
there is a widespread expectation for full year output to contract
from the previous year, economic growth is estimated to pick-
up in Q3 & Q4 of FY21 assuming that the pandemic dissipates
in the second half of the year.
2. PERFORMANCE HIGHLIGHTS 2019-20:
1. Total Business of your Bank stood at ` 2,44,955 crore
as on 31.03.2020 as against ` 2,34,117 crore as on
31.03.2019, showing an annual growth of 4.63%.
2. Total deposits stood at ` 1,50,066 crore as compared to
` 1,40,650 crore last year, showing an annual growth of
6.69%
3. CASA deposits increased to ` 75,475 crore as on
31.03.2020 from ` 69,830 crore as on 31.03.2019,
registering a growth of 8.08%. Share of CASA to total
deposits stood at ` 50.29% as on 31.03.2020.
4. Gross advances of the Bank stood at ` 94,889 crore as
on 31.03.2020 in comparison to ` 93,467 crore as on
31.03.2019.
5. Operating Profit stood at ` 2,847 Crore for the year
ended 31.03.2020 as against ` 2,198 crore for the year
ended 31.03.2019.
6. Business per Employee increased to ` 19.55 crore as on
31.03.2020 as against ` 18.13 crore as on 31.03.2019.
Corresponding figures for Business per Branch stood at
` 133.64 crore and ` 127.79 crore respectively.
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6.1% ÷¸˜¸¸ ¢¨¸î¸ ¨¸«¸Ä 2020 Ÿ¸Ê 4.2% í¸½ Š¸ƒÄ— ¨¸¼¢Ö Ÿ¸Ê ¢Š¸£¸¨¸’ ‚¸¾Ô¸¸½¢Š¸ˆÅ ®¸½°¸ Ÿ¸Ê
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1.2) 2020-21 ˆ½Å ¢¥¸‡ ‚¸„’¥¸ºˆÅ
ˆÅ¸½¢¨¸”-19 ˆ½Å œÏž¸¸¨¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ž¸¸£÷¸ ¬¸£ˆÅ¸£ ›¸½ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ,
œÏ¨¸¸¬¸ú Ÿ¸]¸™»£, ˆ¼Å«¸ˆÅ, ©¸í£ú Š¸£ú¤¸ ÷¸˜¸¸ ‡›¸¤¸ú‡ûŬ¸ú ˆÅ¸½ ˆÊÅÍ Ÿ¸Ê £‰¸ˆÅ£ 20
¥¸¸‰¸-ˆÅ£¸½”õ ²Åœ¸¡¸½ (]¸ú”úœ¸ú ˆÅ¸ 10%) ˆ½Å œÏ¸½÷¬¸¸í›¸ œ¸¾ˆ½Å]¸ ˆÅú ‹¸¸½«¸µ¸¸ ˆÅú—
‚¸¢˜¸ÄˆÅ œÏµ¸¸¥¸ú Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ÷¸£¥¸÷¸¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ™¸¾£¸›¸ ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ ›¸½
ûÅ£¨¸£ú 2020 ¬¸½ ›¸ú¢÷¸Š¸÷¸ £½œ¸¸½ £½’ Ÿ¸Ê ž¸ú 175 ‚¸š¸¸£ ‚¿ˆÅ¸Ê ˆÅú ˆÅŸ¸ú ˆÅú—
¢¨¸î¸ú¡¸ ¨¸«¸Ä21 ˆ½Å œ¸í¥¸½ ™¸½ Ÿ¸¸í Ÿ¸Ê ‚¸¢˜¸ÄˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ £¸«’﨡¸¸œ¸ú ¥¸Š¸¸‡ Š¸‡
¥¸¸ÁˆÅ-”¸„›¸ ˆÅú ¨¸]¸í ¬¸½ ¢©¸¢˜¸¥¸ £íú— œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸, ¡¸Ô¸¢œ¸ ¡¸í ‚œ¸½®¸¸ í¾ ¢ˆÅ
¬¸Ÿœ¸»µ¸Ä ¨¸«¸Ä ˆÅ¸ „÷œ¸¸™›¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ˆÅŸ¸ í¸½Š¸¸ ¥¸½¢ˆÅ›¸ ¡¸í Ÿ¸¸›¸÷¸½ íº‡
¢ˆÅ Ÿ¸í¸Ÿ¸¸£ú ¨¸«¸Ä ˆÅú ™»¬¸£ú ŽÀŸ¸¸íú Ÿ¸Ê ¬¸Ÿ¸¸œ÷¸ í¸½ ]¸¸‡Š¸ú, ‚¸¢˜¸ÄˆÅ ¨¸¼¢Ö ¢¨¸î¸ú¡¸
¨¸«¸Ä 21 ˆÅú ÷¸ú¬¸£ú ¨¸ ¸¸¾˜¸ú ¢÷¸Ÿ¸¸íú Ÿ¸Ê ¤¸[õ›¸½ ˆÅ¸ ‚›¸ºŸ¸¸›¸ í¾—
2. ¨¡¸¨¸¬¸¸¡¸ ¨¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ 2019-20
1. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ¨¡¸¨¸¬¸¸¡¸ 31.03.2019 ˆ½Å `2,34,117 ˆÅ£¸½”õ ˆÅú
÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2020 ˆÅ¸½ 4.63% ¨¸¼¢Ö ™]¸Ä ˆÅ£÷¸½ íº‡ `2,44,955
ˆÅ£¸½”õ £í¸—
2. ˆºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å `1,40,650 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê
`1,50,066 ˆÅ£¸½”õ £íú, ]¸¸½ 6.69% ˆÅú ¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ™©¸¸Ä÷¸ú í¾—
3. ˆÅ¸¬¸¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ 31.03.2019 ˆ½Å `69,830 ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2020
ˆÅ¸½ `75,475 ˆÅ£¸½”õ ²Åœ¸¡¸½ £íú, ƒ¬¸Ÿ¸Ê 8.08% ˆÅú ¨¸¼¢Ö ™]¸Ä íºƒÄ—
31.03.2020 ˆÅ¸½ ˆºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê Ÿ¸½¿ ˆÅ¸¬¸¸ ˆÅ¸ ¢í¬¬¸¸ 50.29% £í¸—
4. ¤¸ÿˆÅ ˆ½Å ¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸ 31.03.2019 ˆ½Å `93,467 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê
31.03.2020 ˆÅ¸½ `94,889 ˆÅ£¸½”õ £í½—
5. œ¸¢£¸¸¥¸›¸ ¥¸¸ž¸ 31.03.2019 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å `2,198 ˆÅ£¸½”õ ˆÅú
÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2020 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ `2,847 ˆÅ£¸½”õ £í¸—
6. œÏ¢÷¸ ˆÅŸ¸Ä¸¸£ú ¨¡¸¨¸¬¸¸¡¸ 31.03.2019 ˆ½Å `18.13 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê
31.03.2020 ˆÅ¸½ ¤¸[õˆÅ£ ` 19.55 ˆÅ£¸½”õ £í¸— œÏ¢÷¸ ©¸¸‰¸¸ ¨¡¸¨¸¬¸¸¡¸
ˆ½Å ¢¥¸‡ ‚›¸º³Åœ¸ ‚¸¿ˆÅ”õ½ ÇÅŸ¸©¸À `133.64 ˆÅ£¸½”õ ÷¸˜¸¸ ` 127.79
ˆÅ£¸½”õ £í½—
DIRECTORS’ REPORT
efveosMekeÀeW keÀer efjheesì&

11. 9
Jeeef<e&keÀ efjHeesì& 2019-20
2.1 Sectoral Deployment of Credit
Percentage to total
O/s
O/s as on
31.03.2020
(in ` Crore)
Percentage
to total O/s
O/s as on
31.03.2019
(in ` Crore)
Percentage
to total O/s
Industry 30,113.57 31.74% 36,491.52 39.04%
Of which
i. Infrastructure 7,370.82 7.77% 8,844.99 9.46%
ii. Chemicals,
Dyes, Paints etc
1,430.69 1.59% 2,219.63 2.37%
iii. Petroleum 688.76 0.73% 365.33 0.39%
iv. Iron and Steel 1,609.59 1.70% 1,844.24 1.97%
v. NBFCs and
Trading
10,759.03 11.43% 10,672.69
11.42%
vi. Engineering 2,336.55 2.46% 2,942.93 3.15%
vii. Construction 1.78 0.00% 5.21 0.01%
viii. Other Industries 5,916.35 17.67% 9596.5 10.27%
Agriculture 14,384.66 15.16% 1,5220.3 16.28%
MSME 17,163.92 18.09% 1,4664.42 1.46%
Housing 14915.71 65.39% 1,2052.1 12.89%
Education 1227.70 5.38% 1,086.53 1.16%
Exports 1,167.11 1.23% 1,200.04 1.28%
Commercial Real
estate
1,611.34 1.70% 2,324.14
2.49%
Gross Advances 94,888.98 xxx 93466 xxx
2.2 Quality and NPA Management
• The Bank has set up “Asset Recovery Cells (ARC)” at
all zonal offices to ensure focused efforts for upgradation
and NPA recovery.
• Twelve Asset Recovery Branches (ARBs) have also
been set up across the Bank’s Zones for large NPA
accounts, more particularly where legal actions are in
progress and where the bank requires a more focused
follow up approach.
• Further, the Bank established Stressed Assets
Management Vertical by way of a separate department at
Head Office under which Bank started 4 (four) Stressed
Assets Management (SAM) branches in Delhi, Mumbai,
Hyderabad and Pune, where NPAs with balance of ` 5
crore and above are being monitored.
• The Loan Tracking Cell has been established where
Bank undertakes telephonic follow up on daily basis
with borrowers of stressed accounts / slippages and
repayment of over dues is insisted. It is expected that
this will result in improving recovery and upgradation
of NPAs. The Bank has also set up separate Cells at
its Head Office for identification of Wilful Defaulters and
gearing up actions under DRT / SARFAESI Acts.
• The Bank has been implementing suo-motu non-
discriminatory and non-discretionary One Time
Settlement (OTS) Schemes. Monitoring of the
performance under the schemes is undertaken by the
Recovery Department, Head Office on daily basis.
During 2019-20 the Bank introduced following such OTS
schemes:
a. Mahabank Ghar Ghar Dastak Yojana (GGDY)
2019-20: Mahabank GGDY 2019-20 was
introduced for Small NPA borrowers up to ` 25
lakhs under Doubtful & Loss / TWO categories.
2.1 †µ¸ ˆÅ¸ ®¸½°¸¨¸¸£ ¢¨¸¢›¸¡¸¸½]¸›¸
¢¨¸¢›¸¡¸¸½¢]¸÷¸ †µ¸
31.03.2020
ˆÅ¸½ ¤¸ˆÅ¸¡¸¸
(²Å ˆÅ£¸½”õ Ÿ¸Ê)
ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸
†µ¸ ¬¸½
œÏ¢÷¸©¸÷¸
31.03.2019
ˆÅ¸½ ¤¸ˆÅ¸¡¸¸
(²Å ˆÅ£¸½”õ Ÿ¸Ê)
ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸
†µ¸ ¬¸½
œÏ¢÷¸©¸÷¸
„Ô¸¸½Š¸ 30,113.57 31.74% 36,491.52 39.04%
ƒ¬¸Ÿ¸Ê ¬¸½
i ‚¨¸¬¸¿£¸›¸¸÷Ÿ¸ˆÅ 7,370.82 7.77% 8,844.99 9.46%
ii £¬¸¸¡¸›¸, ”¸¡¸ ¨¸
œ¸½›’ ƒ÷¡¸¸¢™
1,430.69 1.59% 2,219.63 2.37%
iii œ¸½’︽¢¥¸¡¸Ÿ¸ 688.76 0.73% 365.33 0.39%
iv ¥¸¸½í¸ ¨¸ ¬’ú¥¸ 1,609.59 1.70% 1,844.24 1.97%
v ‡›¸¤¸ú‡ûŬ¸ú ¨¸
¨¡¸¸œ¸¸£
10,759.03 11.43% 10,672.69 11.42%
vi ƒ¿]¸ú¢›¸¡¸¢£¿Š¸ 2,336.55 2.46% 2,942.93 3.15%
vii ¢›¸Ÿ¸¸Äµ¸ 1.78 0.00% 5.21 0.01%
viii ‚›¡¸ „Ô¸¸½Š¸ 5,916.35 17.67% 9596.5 10.27%
ˆ¼Å¢«¸ 14,384.66 15.16% 1,5220.3 16.28%
‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ 17,163.92 18.09% 1,4664.42 1.46%
‚¸¨¸¸¬¸ 14915.71 65.39% 1,2052.1 12.89%
¢©¸®¸¸ 1227.70 5.38% 1,086.53 1.16%
¢›¸¡¸¸Ä÷¸ 1,167.11 1.23% 1,200.04 1.28%
¨¸¸¢µ¸¦]¡¸ˆÅ ž¸» ¬¸¿œ¸™¸ 1,611.34 1.70% 2,324.14 2.49%
¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸ 94,888.98 xxx 93466 xxx
2.2 Š¸ºµ¸¨¸î¸¸ ‚¸¾£ ‡›¸œ¸ú‡ œÏ¤¸¿š¸›¸
• ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú ‚¿¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ``‚¸¦¬÷¸ ¨¸¬¸»¥¸ú ˆÅ®¸¸Ê (‡‚¸£¬¸ú)'' ˆÅú ¬˜¸¸œ¸›¸¸
ˆÅú í¾ ÷¸¸¢ˆÅ „››¸¡¸›¸ ‚¸¾£ ‡›¸œ¸ú‡ ¨¸¬¸»¥¸ú ˆ½Å ¢¥¸‡ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ˆÅ£›¸½ ˆ½Å œÏ¡¸¸¬¸
¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ‡ ]¸¸ ¬¸ˆÊÅ—
• ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ‚¿¸¥¸¸Ê Ÿ¸Ê ¤¸”õ½ ‡›¸œ¸ú‡ ‰¸¸÷¸¸Ê, ¢¨¸©¸½«¸ˆÅ£ ]¸í¸¿ ˆÅ¸›¸»›¸ú ˆÅ¸£Ä¨¸¸ƒÄ ¸¥¸
£íú í¾ ÷¸˜¸¸ ]¸í¸¿ ¤¸ÿˆÅ ˆÅ¸½ ‚›¸º¨¸÷¸Ä›¸ ˆÅú ´¦«’ ¬¸½ ‚¢š¸ˆÅ š¡¸¸›¸ ™½›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸
í¾, ˆ½Å ¢¥¸‡ ¤¸¸£í ‚¸¦¬÷¸ ¨¸¬¸»¥¸ú ©¸¸‰¸¸‡¿ (‡‚¸£¤¸ú) ž¸ú ¬˜¸¸¢œ¸÷¸ ˆÅú íÿ, ÷¸¸¢ˆÅ
‚›¸º¨¸÷¸Ä›¸ œ¸£ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ¢ˆÅ¡¸¸ ]¸¸ ¬¸ˆ½Å—
• ƒ¬¸ˆ½Å ¬¸¸˜¸ íú ¤¸ÿˆÅ ›¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ‡ˆÅ ‚¥¸Š¸ ¢¨¸ž¸¸Š¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ™¤¸¸¨¸ŠÏ¬÷¸
‚¸¦¬÷¸ œÏ¤¸¿š¸›¸ ¨¸¢’Ĉť¸ ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú í¾, ¢]¸¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ›¸½ ¢™¥¥¸ú, Ÿ¸º¿¤¸ƒÄ,
í¾™£¸¤¸¸™ ‚¸¾£ œ¸ºµ¸½ Ÿ¸Ê 4 (¸¸£) ™¤¸¸¨¸ŠÏ¬÷¸ ‚¸¦¬÷¸ œÏ¤¸¿š¸›¸ (‡¬¸‡‡Ÿ¸) ©¸¸‰¸¸‚¸Ê
ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú íÿ, ]¸í¸¿ `5 ˆÅ£¸½”õ ‚¸¾£ „¬¸¬¸½ ‚¢š¸ˆÅ ˆ½Å ©¸½«¸¨¸¸¥¸½ ‡›¸œ¸ú‡ ˆÅú
¢›¸Š¸£¸›¸ú ˆÅú ]¸¸÷¸ú í¾—
• ¥¸¸½›¸ ’ï¾¢ˆ¿ÅŠ¸ ˆÅ®¸ ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú Š¸ƒÄ í¾, ]¸í¸¿ ¤¸ÿˆÅ ¦¬¥¸œ¸½]¸½¬¸/ ™¤¸¸¨¸ŠÏ¬÷¸ ‰¸¸÷¸¸Ê ˆ½Å
„š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¬¸¸˜¸ ™¾¢›¸ˆÅ ‚¸š¸¸£ œ¸£ ’½¢¥¸ûŸ½›¸ ¬¸½ ‚›¸º¨¸÷¸Ä›¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ‚¢÷¸™½¡¸¸Ê
ˆ½Å œ¸º›¸ž¸ºÄŠ¸÷¸¸›¸ œ¸£ ]¸¸½£ ¢™¡¸¸ ]¸¸÷¸¸ í¾— ‡½¬¸¸ ‚œ¸½¢®¸÷¸ í¾ ¢ˆÅ ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸
¨¸¬¸»¥¸ú Ÿ¸Ê ¬¸ºš¸¸£ ‚¸¾£ ‡›¸œ¸ú‡ Ÿ¸Ê ˆÅ¸½¢’„››¸¡¸›¸ í¸½Š¸¸— ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä‚¸Ê ˆÅú
œ¸í¸¸›¸, ”ú‚¸£’ú/ ¬¸£û½Å¬¸ú ‚¢š¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅ¸½ Š¸¢÷¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å
¢¥¸‡ ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ‚¥¸Š¸ ˆÅ®¸¸Ê ˆÅú ž¸ú ¬˜¸¸œ¸›¸¸ ˆÅú í¾—
• ¤¸ÿˆÅ ¬¨¸œÏ½£µ¸¸ ¬¸½ Š¸¾£ ž¸½™ž¸¸¨¸œ¸»µ¸Ä ‚¸¾£ Š¸¾£ ¢¨¸¨¸½ˆÅ¸š¸ú›¸ ‡ˆÅ ¤¸¸£Š¸ú ¢›¸œ¸’¸›¸
(‚¸½’ú‡¬¸) ¡¸¸½]¸›¸¸‚¸Ê ˆÅ¸½ ¥¸¸Š¸» ˆÅ£ £í¸ í¾— ƒ›¸ ¡¸¸½]¸›¸¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸
ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅú ¢›¸Š¸£¸›¸ú œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆ½Å ¨¸¬¸»¥¸ú ¢¨¸ž¸¸Š¸ ׸£¸ ™¾¢›¸ˆÅ ‚¸š¸¸£
œ¸£ ˆÅú ]¸¸÷¸ú í¾— ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‡½¬¸ú ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ‚¸½’ú‡¬¸
¡¸¸½]¸›¸¸‚¸Ê ˆÅú ©¸º³Å‚¸÷¸ ˆÅú í¾ À
ˆÅ. Ÿ¸í¸¤¸ÿˆÅ ‹¸£ ‹¸£ ™¬÷¸ˆÅ ¡¸¸½]¸›¸¸ (]¸ú]¸ú”ú¨¸¸ƒÄ) 2019-20 À
Ÿ¸í¸¤¸ÿˆÅ ]¸ú]¸ú”ú¨¸¸ƒÄ- 2019-20 ˆÅú ©¸º³Å‚¸÷¸ ¬¸¿¢™Šš¸ ¨¸ í¸¢›¸ /
’ú”¤¥¡¸»‚¸½ ª½µ¸ú `25 ¥¸¸‰¸ ÷¸ˆÅ ˆ½Å ¥¸‹¸º ‡›¸œ¸ú‡ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å
¢¥¸‡ ˆÅú Š¸ƒÄ—

12. Annual Report 2019-20
10
b. Maha-Riyayat Yojana 2019-20 (MRY): Maha-
Riyayat Yojana 2019-20 (MRY) was introduced for
NPAs in Doubtful and Loss categories with Ledger
Balance above of ` 25 lakhs and up to ` 50 crore.
Bank has also made intensive follow up with the defaulting
borrowers through visits, letters, notices, Recovery Camps,
Lok Adalats, Mahabank Adalats, actions under SARFAESI
/ DRT Act. Services of Recovery Agents / Resolution Agents
are engaged so as to have an early resolution. The Bank has
also initiated action under the provisions of the Insolvency
Bankruptcy Code 2016 against various large NPA borrowers.
The position of Non-Performing Assets is as under:
0
5
10
15
20
25
Enrolment under
PMJJBY (in lakh)
2018-19 2019-20
Social Security Schemes
Enrolment under
PMSBY (in lakh)
Enrolment under
APY (in lakh)
31.03.20 Amt. as on 31.03.19
12152.15
15324.49
0
5000
10000
15000
20000
Gross NPA
In
Rs.
Cr
4145.38
1754.95
4559.33
2570.11
Cash Recovery
Net NPA
12.81%
4.77%
16.40%
5.52%
0.00% 10.00% 20.00%
Gross NPA as % to advances
Net NPA as % to advances
Amt. as on 31.03.19 31.03.20
56.29
50.31
61.74
0
10
20
30
40
50
60
70
43.84
12.86
56.03
49.81
19.17
PMJDY
2018-19
2019-20
No. of PMJDY
accounts
Of Which
Aadhaar Seeded
Of Which
Mobile Seeding
Of Which
Ru-Pay Card issued
2.3 Foreign Exchange Business
Currently, the bank has 36 B Category branches across the country
catering to the International business needs of the customers of
the Bank apart from TIBB at Mumbai as “A” category branch. The
Merchant Business for FY 2019-20 stood at ` 35,127.77 crore. The
performance during the year 2019-20 can be seen below:
(` in Crore)
Particulars 2019-20 2018-19
Percentage
of (+/-)
Total FEX Business
Turnover
5,68,236.68 8,12,351.14 -30.05%
Merchant Business
Turnover
35,127.77 37,311.51 -5.85%
Profit in FEX
Business
166.07 132.39 25.44%
2.4 Investment
The breakup of Investments into SLR Non-SLR investments
is given below:
• Gross Investments as on 31.03.2020 stood at
` 58,171.34 crore, of which ` 36, 632.88 crore were
‰¸. Ÿ¸í¸-¢£¡¸¸¡¸÷¸ ¡¸¸½]¸›¸¸ (‡Ÿ¸‚¸£¨¸¸ƒÄ) 2019-20 À Ÿ¸í¸-¢£¡¸¸¡¸÷¸ ¡¸¸½]¸›¸¸
(‡Ÿ¸‚¸£¨¸¸ƒÄ) ¬¸¿¢™Šš¸ ¨¸ í¸¢›¸ ª½µ¸ú ˆ½Å `25 ¥¸¸‰¸ ¬¸½ ‚¢š¸ˆÅ ¬¸½ ¥¸½ˆÅ£ `50
ˆÅ£¸½”õ ÷¸ˆÅ ˆ½Å ¥¸½]¸£ ©¸½«¸ ¨¸¸¥¸½ ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ ‚¸£¿ž¸ ˆÅú Š¸ƒÄ—
¤¸ÿˆÅ ›¸½ ™¸¾£½, œ¸°¸, ›¸¸½¢’¬¸, ¨¸¬¸»¥¸ú ¢©¸¢¨¸£, ¥¸¸½ˆÅ ‚™¸¥¸÷¸¸Ê, ¬¸£û½Å¬¸ú / ”ú‚¸£’ú
‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¸»ˆÅˆÅ÷¸¸Ä „š¸¸£ˆÅ÷¸¸Ä‚¸Ê œ¸£ Š¸í›¸ ‚›¸º¨¸÷¸úÄ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅú í¾,
¢£{¸¸Á¥¡¸»©¸›¸ ‡]¸Ê’¸Ê/ ¨¸¬¸»¥¸ú ‡]¸Ê’¸Ê ˆÅú ¬¸½¨¸¸‡¿ ¥¸ú ]¸¸÷¸ú íÿ, ÷¸¸¢ˆÅ ©¸ú‹Ï ¢›¸œ¸’¸›¸
í¸½ ¬¸ˆ½Å— ¤¸ÿˆÅ ›¸½ ¢™¨¸¸¥¸¸ ‚¸¾£ ¢™¨¸¸¢¥¸¡¸¸œ¸›¸ ˆÅ¸½” 2016 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸
ž¸ú ¢¨¸¢ž¸››¸ ¤¸”õ½ ‡›¸œ¸ú‡ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¨¸³ÅÖ ˆÅ¸£Ä¨¸¸ƒÄ ©¸º³Å ˆÅú í¾— ‚›¸]¸ÄˆÅ
‚¸¦¬÷¸¡¸¸Ê ˆÅú ¦¬˜¸¢÷¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
31.03.20 Amt. as on 31.03.19
12152.15
15324.49
0
5000
10000
15000
20000
Gross NPA
In
Rs.
Cr
4145.38
1754.95
4559.33
2570.11
Cash Recovery
Net NPA
38900
14385
4605
0
5000
10000
15000
20000
25000
30000
35000
40000
45000
Outstanding
advances in PSL
In
Crores
Agriculture Performance FY20
Outstanding advances
to Agriculture Sector
Loans Disbursed in
Agriculture Sector
12.81%
4.77%
16.40%
5.52%
0.00% 10.00% 20.00%
Gross NPA as % to advances
Net NPA as % to advances
Amt. as on 31.03.19 31.03.20
4203.89
3689.61
379.15
389.15
0 2000 4000 6000
2019
-20
2018
-19
Rs in Crore
Non-Performing Investments Net interest Income from Investment Ac vity
2.3 ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ˆÅ¸£¸½¤¸¸£
``‡'' ª½µ¸ú ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸º¿¤¸ƒÄ ¦¬˜¸÷¸ ’ú‚¸ƒÄ¤¸ú¤¸ú ˆ½Å ‚¢÷¸¢£Æ÷¸ ¤¸ÿˆÅ ˆ½Å ŠÏ¸íˆÅ¸Ê ˆÅú ‚¿÷¸£¸Ä«’ïú¡¸
¨¡¸¨¸¬¸¸¡¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ™½©¸ ž¸£ Ÿ¸Ê 36 ¤¸ú ª½µ¸ú
ˆÅú ©¸¸‰¸¸‡¿ íÿ— ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 ˆ½Å ¢¥¸‡ Ÿ¸¸½Ä›’ ¨¡¸¨¸¬¸¸¡¸ ` 35,127.77 ˆÅ£¸½”õ
£í¸— ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾—
(` ˆÅ£¸½”õ Ÿ¸Ê)
¢¨¸¨¸£µ¸ 2019-20 2018-19 (+/-)
ˆÅ¸ œÏ¢÷¸©¸÷¸
ˆºÅ¥¸ ‡ûŃćƬ¸ ¨¡¸¨¸¬¸¸¡¸
’›¸Ä‚¸½¨¸£
5,68,236.68 8,12,351.14 -30.05%
¨¡¸¸œ¸¸£ú ¨¡¸¨¸¬¸¸¡¸ ’›¸Ä‚¸½¨¸£ 35,127.77 37,311.51 -5.85%
‡ûŃćƬ¸ ¨¡¸¨¸¬¸¸¡¸ Ÿ¸Ê ¥¸¸ž¸ 166.07 132.39 25.44%
2.4 ¢›¸¨¸½©¸
‡¬¸‡¥¸‚¸£ ‚¸¾£ Š¸¾£-‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ ¤Ï½ˆÅ‚œ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¢™¡¸¸ Š¸¡¸¸ í¾À
• 31.03.2020 ˆÅ¸½ ¬¸ˆÅ¥¸ ¢›¸¨¸½©¸ `58,171.34 ˆÅ£¸½”õ £í¸, ¢]¸¬¸Ÿ¸Ê
¬¸½ `36,632.88 ˆÅ£¸½”õ ‡¬¸‡¥¸‚¸£ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£ `21,538.46

13. 11
JeeefekeÀ efjHeesì 2019-20
into SLR securities and ` 21,538.46 crore into Non-SLR
Securities. The excess SLR securities as on 31.03.2020
stood at ` 9,445.23 crore.
• The net investments (net of provisions) stood at
` 57,740.85 crore as on 31.03.2020 as compared to
` 59,697.05 crore as on 31.03.2019. Investments under
Held to Maturity (HTM) category consist of 65.40%,
while Available for Sale (AFS) comprised of 34.59%
of total investment portfolio as of 31.03.2020. The net
interest income from investment activity increased to
` 4,203.89 crore from ` 3,689.61 crore during the last
year (growth of 13.94%).
• The Non-Performing Investments stood at ` 389.15
crore as on 31.03.2020.
2.5 Merchant Banking
38900
14385
4605
0
5000
10000
15000
20000
25000
30000
35000
40000
45000
Outstanding
advances in PSL
In
Crores
Agriculture Performance FY20
Outstanding advances
to Agriculture Sector
Loans Disbursed in
Agriculture Sector
54%
32%
14%
SLR Securi es Non - SLR Securi es Excess SLR securi es
Breakup of Investments
12.81%
4.77%
16.40%
5.52%
0.00% 10.00% 20.00%
Gross NPA as % to advances
Net NPA as % to advances
Amt. as on 31.03.19 31.03.20
4203.89
3689.61
379.15
389.15
0 2000 4000 6000
2019
-20
2018
-19
Rs in Crore
Non-Performing Investments Net interest Income from Investment Ac vity
The Bank handled 63 issues (previous year 52 issues) of
Commercial paper amounting to ` 22,220 crore (previous year
` 8,360 crore) for its clients as an Issuing and Paying Agent
(IPA) during the year.
2.6 Borrowings
The borrowing of the Bank as on 31st March 2020 stood at
3,766.89 crore including re-finance as under:
(` in Crore)
Particular
Amount as at
31.03.2020
Amount as at
31.03.2019
Total Borrowing 3,766.89 10,149.17
of which Borrowing RBI under
LAF
478.00 1500.00
ˆÅ£¸½”õ Š¸¾£-‡¬¸‡¥¸‚¸£ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ íÿ— 31.03.2020 ˆÅ¸½ ‚¢÷¸¢£Æ÷¸
‡¬¸‡¥¸‚¸£ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ `9,445.23 ˆÅ£¸½”õ £íú—
• • ¢›¸¨¸¥¸ ¢›¸¨¸½©¸ (œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ¢›¸¨¸¥¸) 31.03.2019 ˆ½Å `59,697.05
ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2020 ˆÅ¸½ `57,740.85 ˆÅ£¸½”õ £í¸—
œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ (‡¸’ú‡Ÿ¸) ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸¨¸½©¸ ˆÅ¸
65.40% ©¸¸¢Ÿ¸¥¸ í¾, ]¸¤¸¢ˆÅ ¢¨¸ÇÅ¡¸ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ (‡‡ûҬ¸)
31.03.2020 ÷¸ˆÅ ˆºÅ¥¸ ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸ 34.59% ©¸¸¢Ÿ¸¥¸
í¾— ¢›¸¨¸½©¸ Š¸¢÷¸¢¨¸¢š¸ ¬¸½ ¢›¸¨¸¥¸ ¤¡¸¸]¸ ‚¸¡¸ Ÿ¸Ê ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸
`3,689.61 ˆÅ£¸½”õ ¬¸½ ¤¸[õˆÅ£ `4,203.89 ˆÅ£¸½”õ í¸½ Š¸¡¸¸ (13.94%
ˆÅú ¨¸¼¢Ö).
•• 31.03.2020 ˆÅ¸½ Š¸¾£-¢›¸«œ¸¸™›¸ ¢›¸¨¸½©¸ `389.15 ˆÅ£¸½”õ ²Åœ¸‡ £í¸.
2.5 ¨¡¸¸œ¸¸£ú ¤¸ÿ¢ˆ¿ÅŠ¸ À
54%
32%
14%
SLR Securi es Non - SLR Securi es Excess SLR securi es
Breakup of Investments
4203.89
3689.61
379.15
389.15
0 2000 4000 6000
2019
-20
2018
-19
Rs in Crore
Non-Performing Investments Net interest Income from Investment Ac vity
0
5
10
15
20
25
Enrolment under
PMJJBY (in lakh)
2018-19 2019-20
Social Security Schemes
Enrolment under
PMSBY (in lakh)
Enrolment under
APY (in lakh)
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ]¸¸£úˆÅ÷¸¸Ä ‚¸¾£ ž¸ºŠ¸÷¸¸›¸ˆÅ÷¸¸Ä ‡]¸Ê’ (‚¸ƒÄœ¸ú‡) ˆ½Å ³Åœ¸
Ÿ¸Ê ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ `22,220 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `8,360 ˆÅ£¸½”õ) ˆ½Å
¨¸¸¢µ¸¦]¡¸ˆÅ œ¸°¸ ˆ½Å 63 Ÿ¸¸Ÿ¸¥¸½ (¢œ¸Ž¥¸½ ¬¸¸¥¸ 52 Ÿ¸¸Ÿ¸¥¸½) ˆÅ¸ ¬¸¿¸¥¸›¸ ¢ˆÅ¡¸¸ í¾—
2.6 „š¸¸¢£¡¸¸¿ À
31 Ÿ¸¸¸Ä 2020 ˆÅ¸½ ¤¸ÿˆÅ ˆÅú „š¸¸¢£¡¸¸¿ ¢›¸Ÿ›¸¸›¸º¬¸¸£ œ¸º›¸À¢¨¸î¸ ¬¸¢í÷¸, `3,766.89
ˆÅ£¸½”õ £íú;
(` ˆÅ£¸½”õ Ÿ¸Ê)
¢¨¸¨¸£µ¸
31.03.2020
ˆÅ¸½ £¸¢©¸
31.03.2019
ˆÅ¸½ £¸¢©¸
ˆºÅ¥¸ „š¸¸¢£¡¸¸¿ 3,766.89 10,149.17
¢]¸›¸Ÿ¸Ê ¬¸½ ‡¥¸‡‡ûÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ž¸¸¢£¤¸ÿ
„š¸¸¢£¡¸¸¿
478.00 1500.00

14. Annual Report 2019-20
12
Particular
Amount as at
31.03.2020
Amount as at
31.03.2019
of which Borrowing Market
REPO
0 2003.63
Of which Borrowing TRePS
(G-Sec)
0 3277.48
Of which Refinance from
NABARD 0 140.00
EXIM BANK 0 0.00
NHB 0 92.62
MUDRA 0 0.00
SIDBI 87.75 0.00
Borrowings in the form of
Bonds debentures capital
instruments
3,100.00 3,100.00
Borrowings outside India 103.09 35.39
Others 0.05 0.05
During the FY 2019-20, the Bank redeemed Basel II /Basel III
Compliant Bonds for an amount ` 600 crore on the redemption
date. The bank undertook borrowing as part of its asset liability
management.
2.7 Depository Services
• The bank is Depository Participant (DP) of Central
Depository Services of India Ltd. (CDSL) since
September 1999.
• The bank has also introduced Basic Services DEMAT
Account Facility (BSDA) ASBA through net-banking
and UPI.
2.8 Bancassurance
The bank is a corporate agent for carrying out Bancassurance
business under all three segments i.e. Life Insurance, General
Insurance and Health Insurance. The performance during the
year 2019-20 can be seen below:
2.9 Government Business
During the year 2019-20, 6,05,256 challans of Direct Taxes and
40,446 challans of Indirect taxes were collected by the branches.
Total commission to the tune of ` 4.54 crore was received
on tax collection business from Central/State Government’s
and other business. As a service to senior citizens, the Bank
is processing and crediting monthly pension payments of
more than 1,11,653 Central Government, Defense, Railway
and Telecom pensioners at Central Pension Processing Cell
(CPPC), Pune. The commission on Government Business
(Pension) for the Year 2019-20 stood ` 13.05 Cr.
2.10 Income, Expenditure and Profitability
The total income of the Bank stood at ` 13144.68 crore in FY
2019-20 as compared to ` 12,397.06 crore in FY 2018-19. The
detailed income/expenditure components are as under:
(` in crore)
Particulars 2019-20 2018-19
Variation
( in %)
Interest / discount on
advances / bills
6409.27 6,566.64 -2.40%
Income on investments 4202.69 3,689.61 13.91%
Interest on interbank
lending other Interest
883.49 593.35 48.90%
Total interest income 11495.45 10,849.60 5.95%
¢¨¸¨¸£µ¸
31.03.2020
ˆÅ¸½ £¸¢©¸
31.03.2019
ˆÅ¸½ £¸¢©¸
¢]¸›¸Ÿ¸Ê ¬¸½ ¤¸¸]¸¸£ ‚¸£ƒÄ‡ûÅ‚¸½ „š¸¸¢£¡¸¸¿ 0 2003.63
¢]¸›¸Ÿ¸Ê ¬¸½ ’ú‚¸£ƒÄœ¸ú‡¬¸
(]¸ú-¬¸½ˆÅ) „š¸¸¢£¡¸¸¿
0 3277.48
¢]¸¬¸Ÿ¸Ê ¬¸½ œ¸º›¸¹¨¸Äî¸
›¸¸¤¸¸”Ä 0 140.00
‡¦Æ]¸Ÿ¸ ¤¸ÿˆÅ 0 0.00
‡›¸‡¸¤¸ú 0 92.62
Ÿ¸ºÍ¸ 0 0.00
¢¬¸”¤¸ú 87.75 0.00
¢]¸›¸Ÿ¸Ê ¬¸½ ¤¸¸Áµ”ì¸ ‚¸¾£ ¢”¤¸Ê¸£ œ¸»¿]¸ú
¢¥¸‰¸÷¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê „š¸¸¢£¡¸¸¿
3,100.00 3,100.00
ž¸¸£÷¸ ¬¸½ ¤¸¸í£ „š¸¸¢£¡¸¸¿ 103.09 35.39
‚›¡¸ 0.05 0.05
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸, ¤¸ÿˆÅ ›¸½ Ÿ¸¸½¸›¸ ¢™›¸¸¿ˆÅ ˆÅ¸½ `600 ˆÅ£¸½”õ ˆÅú £¸¢©¸
ˆ½Å ¢¥¸‡ ¤¸½¬¸¥¸ II/ ¤¸½¬¸¥¸ III ¤¸¸Áµ”¸Ê ˆÅ¸ Ÿ¸¸½¸›¸ ¢ˆÅ¡¸¸. ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ‚¸¦¬÷¸ ™½¡¸÷¸¸
œÏ¤¸¿š¸›¸ ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „š¸¸¢£¡¸¸¿ ¥¸ú¿.
2.7 ¢›¸®¸½œ¸ú ¬¸½¨¸¸‡¿
• ¤¸ÿˆÅ ¢¬¸÷¸¿¤¸£ 1999 ¬¸½ íú ž¸¸£÷¸ú¡¸ ˆÊÅÍú¡¸ ¢›¸®¸½œ¸ú ¬¸½¨¸¸‡¿ ¢¥¸¢Ÿ¸’½” (¬¸ú”ú‡¬¸‡¥¸)
ˆÅ¸ ¢›¸®¸½œ¸ú ¬¸íž¸¸Š¸ú (”úœ¸ú) í¾.
• ¤¸ÿˆÅ Ÿ¸Ê ›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¸ ¡¸»œ¸ú‚¸ƒÄ ˆ½Å ]¸¢£‡ Ÿ¸»¥¸ ¬¸½¨¸¸ ”ú-Ÿ¸¾’ ‰¸¸÷¸¸ ¬¸º¢¨¸š¸¸
(¤¸ú‡¬¸”ú‡) ÷¸˜¸¸ ‡‡¬¸¤¸ú‡ ˆÅ¸ ©¸ºž¸¸£¿ž¸ ¢ˆÅ¡¸¸.
2.8 ¤¸ÿˆÅ‡©¡¸¸½£½›¬¸
¤¸ÿˆÅ‡©¡¸¸½£Ê¬¸ ¨¡¸¨¸¬¸¸¡¸ ˆÅ£›¸½ í½÷¸º ¤¸ÿˆÅ ÷¸ú›¸¸Ê ¬¸½ŠŸ¸Ê’ ‚˜¸¸Ä÷¸ ]¸ú¨¸›¸ ¤¸úŸ¸¸, Š¸¾£-
]¸ú¨¸›¸ ¤¸úŸ¸¸ ÷¸˜¸¸ ¬¨¸¸¬˜¡¸ ¤¸úŸ¸¸ í½÷¸º ˆÅ¸Áœ¸¸½Ä£½’ ‡]¸Ê’ í¾— ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸
ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ™½‰¸¸ ]¸¸ ¬¸ˆÅ÷¸¸ í¾ À
2.9 ¬¸£ˆÅ¸£ú ˆÅ¸£¸½¤¸¸£
©¸¸‰¸¸‚¸Ê ׸£¸ ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸, ˆºÅ¥¸ 6,05,256 œÏ÷¡¸®¸ ˆÅ£ ¸¸¥¸¸›¸
‚¸¾£ 40,446 ‚œÏ÷¡¸®¸ ˆÅ£¸Ê ˆ½Å ¸¸¥¸¸›¸ ¨¸¬¸»¥¸½ Š¸‡. ¸¸¥¸» ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÊÅÍ/
£¸]¡¸ ¬¸£ˆÅ¸£ ¬¸½ ˆÅ£ ¨¸¬¸»¥¸ú ¨¡¸¨¸¬¸¸¡¸ ‚¸¾£ ‚›¡¸ ¨¡¸¨¸¬¸¸¡¸ ¬¸½ `4.54 ˆÅ£¸½”õ ˆÅ¸
ˆºÅ¥¸ ˆÅŸ¸ú©¸›¸ œÏ¸œ÷¸ íº‚¸. ¨¸¢£«“ ›¸¸Š¸¢£ˆÅ¸Ê ˆÅ¸½ ¬¸½¨¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê, ¤¸ÿˆÅ ˆ½Å›Íú¡¸ œ¸Ê©¸›¸
œÏ¸½¬¸½¢¬¸¿Š¸ ˆÅ®¸ (¬¸úœ¸úœ¸ú¬¸ú) œ¸ºµ¸½ Ÿ¸Ê ˆ½Å›Í ¬¸£ˆÅ¸£, £®¸¸, £½¥¸¨¸½ ‚¸¾£ ’½¢¥¸ˆÅ¸ÁŸ¸ ˆ½Å
1,11,653 ¬¸½ ž¸ú ‚¢š¸ˆÅ œ¸Ê©¸›¸£¸Ê ˆÅú Ÿ¸¸¢¬¸ˆÅ œ¸Ê©¸›¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£ „¬¸½ ‰¸¸÷¸½
Ÿ¸Ê ]¸Ÿ¸¸ ˆÅ£›¸½ ˆÅ¸ ˆÅ¸¡¸Ä ˆÅ£ £í¸ í¾. ¨¸«¸Ä 2019-20 ˆ½Å ¢¥¸‡ ¬¸£ˆÅ¸£ú ¨¡¸¨¸¬¸¸¡¸
(œ¸Ê©¸›¸) œ¸£ `13.05 ˆÅ£¸½”õ ˆÅ¸ ˆÅŸ¸ú©¸›¸ œÏ¸œ÷¸ íº‚¸.
2.10 ‚¸¡¸, ¨¡¸¡¸ ‚¸¾£ ¥¸¸ž¸œÏ™÷¸¸
¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ‚¸¡¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2018-19 Ÿ¸Ê `12397.06 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 Ÿ¸Ê `13144.68 ˆÅ£¸½”õ £íú. ¢¨¸¬÷¸¼÷¸ ‚¸¡¸/ ¨¡¸¡¸ ‹¸’ˆÅ
¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
(`ˆÅ£¸½”õ Ÿ¸Ê)
¤¡¸¸½£¸ 2019-20 2018-19
‚¿÷¸£
(% Ÿ¸Ê)
‚¢ŠÏŸ¸¸Ê/ ¢¤¸¥¸¸Ê œ¸£ ¤¡¸¸]¸/ Ž»’ 6409.27 6,566.64 -2.40%
¢›¸¨¸½©¸¸Ê œ¸£ ‚¸¡¸ 4202.69 3,689.61 13.91%
‚¿÷¸£ ¤¸ÿˆÅ „š¸¸£ú œ¸£ ¤¡¸¸]¸ ‡¨¸¿
‚›¡¸ ¤¡¸¸]¸
883.49 593.35 48.90%
ˆºÅ¥¸ ¤¡¸¸]¸ ‚¸¡¸ 11495.45 10,849.60 5.95%

15. 13
JeeefekeÀ efjHeesì 2019-20
(` in crore)
Particulars 2019-20 2018-19
Variation
( in %)
Non-interest income 1649.23 1,547.46 6.58%
Total Income 13144.68 12,397.06 6.03%
Interest on deposits 6757.19 6,750.94 0.09%
Interest on borrowings 20.56 29.57 -30.47%
Other Interest
expenditure
438.90 335.61 30.78%
Staff expenses 1743.82 1,794.17 -2.81%
Other Operating
expenses
1337.15 1,289.16 3.72%
Total Non-interest
expenses
3080.97 3,083.33 -0.08%
Total Expenses 10297.62 10,199.45 0.96%
Operating Profit 2847.06 2,197.61 29.55%
Provisions and
Contingencies
2458.48 6,981.49 0.00%
Net Profit 388.58 -4,783.88 0.00%
2.11 Financial Ratios
The various financial parameters of the Bank during the year
2019-20 can be seen below:
Particulars 2019-20 2018-19
EPS (`) 0.67 (14.26)
Cost to Income Ratio (percent) 51.97 58.39
Return on assets (percent) 0.23 (3.01)
Return on equity (per cent) 6.32 (207.99)
Book value per share (`) 11.99 10.24
Profit per Branch (` in lakh) 21.20 (261.13)
Profit per employee (` in lakh) 3.10 (37.05)
Business per Branch (` in crore) 133.64 127.79
Business per employee (` in crore) 19.55 18.13
Interest income as per cent to
Average working funds 6.78 6.82
Non-Interest income as per cent to
average working funds 0.97 0.97
Net Interest Margin (per cent)* 2.60 2.53
Operating Profit as per cent to
average working Funds 1.68 1.38
Staff expenses as a percent to
average working funds 1.03 1.13
Dividend (per cent) 0.00 0
Net worth (` Crore) 6985.74 5859.73
CRAR (%) (Basel II) 13.52 11.86
Of which, Tier I CRAR (%) (Basel II) 10.67 9.91
2.12 Capital
The Bank decided to raise capital of ` 131.70 crore in April
2019 through Employee Share Purchase Scheme (ESPS)
(`ˆÅ£¸½”õ Ÿ¸Ê)
¤¡¸¸½£¸ 2019-20 2018-19
‚¿÷¸£
(% Ÿ¸Ê)
Š¸¾£ ¤¡¸¸]¸ ‚¸¡¸ 1649.23 1,547.46 6.58%
ˆºÅ¥¸ ‚¸¡¸ 13144.68 12,397.06 6.03%
]¸Ÿ¸¸ œ¸£ ¤¡¸¸]¸ 6757.19 6,750.94 0.09%
„š¸¸£ú œ¸£ ¤¡¸¸]¸ 20.56 29.57 -30.47%
‚›¡¸ ¤¡¸¸]¸ ¨¡¸¡¸ 438.90 335.61 30.78%
ˆÅŸ¸Ä¸¸£ú ¨¡¸¡¸ 1743.82 1,794.17 -2.81%
‚›¡¸ œÏ¸¸¥¸›¸Š¸÷¸ ¨¡¸¡¸ 1337.15 1,289.16 3.72%
ˆºÅ¥¸ Š¸¾£ ¤¡¸¸]¸ ¨¡¸¡¸ 3080.97 3,083.33 -0.08%
ˆºÅ¥¸ ¨¡¸¡¸ 10297.62 10,199.45 0.96%
œÏ¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸ 2847.06 2,197.61 29.55%
œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ 2458.48 6,981.49 0.00%
¢›¸¨¸¥¸ ¥¸¸ž¸ 388.58 -4,783.88 0.00%
2.11 ¢¨¸î¸ú¡¸ ‚›¸ºœ¸¸÷¸ À
¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å ¢¨¸¢ž¸››¸ ¢¨¸î¸ú¡¸ Ÿ¸¸›¸ˆÅ¸Ê ˆÅ¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ™½‰¸¸ ]¸¸
¬¸ˆÅ÷¸¸ í¾À
¢¨¸¨¸£µ¸ 2019-20 2018-19
œÏ¢÷¸ ©¸½¡¸£ ‚¸¡¸ (ƒÄœ¸ú‡¬¸) (`) 0.67 (14.26)
‚¸¡¸ ¬¸½ ¥¸¸Š¸÷¸ ˆÅ¸ ‚›¸ºœ¸¸÷¸ (%) 51.97 58.39
‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚¸¡¸(%) 0.23 (3.01)
ƒ¦Æ¨¸’ú œ¸£ ‚¸¡¸(%) 6.32 (207.99)
œÏ¢÷¸ ©¸½¡¸£ ¤¸íú Ÿ¸»¥¡¸ (`) 11.99 10.24
œÏ¢÷¸ ©¸¸‰¸¸ ¥¸¸ž¸ (` ¥¸¸‰¸ Ÿ¸Ê) 21.20 (261.13)
œÏ¢÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ (` ¥¸¸‰¸ Ÿ¸Ê) 3.10 (37.05)
œÏ¢÷¸ ©¸¸‰¸¸ ˆÅ¸£¸½¤¸¸£ (` ˆÅ£¸½”õ Ÿ¸Ê) 133.64 127.79
œÏ¢÷¸ ˆÅŸ¸Ä¸¸£ú ˆÅ¸£¸½¤¸¸£ (` ˆÅ£¸½”õ Ÿ¸Ê) 19.55 18.13
‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ¬¸½ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
¤¡¸¸]¸ ‚¸¡¸
6.78 6.82
‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ¬¸½ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
Š¸¾£-¤¡¸¸]¸ú ‚¸¡¸
0.97 0.97
¢›¸¨¸¥¸ ¤¡¸¸]¸ Ÿ¸¸¢]¸Ä›¸ (œÏ¢÷¸©¸÷¸)* 2.60 2.53
‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ¬¸½ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
œ¸¢£¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸
1.68 1.38
‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
¬’¸ûÅ ‰¸¸Ä
1.03 1.13
¥¸¸ž¸¸¿©¸ (œÏ¢÷¸©¸÷¸) 0.00 0
›¸½’¨¸˜¸Ä (²Å .ˆÅ£¸½”õ Ÿ¸Ê) 6985.74 5859.73
¬¸ú‚¸£‡‚¸£(%) ¤¸½¬¸¥¸ II 13.52 11.86
¢]¸¬¸Ÿ¸Ê ¬¸½ ¢’¡¸£ - I ¬¸ú‚¸£‡‚¸£ (%) (¤¸½¬¸¥¸ II) 10.67 9.91
2.12 œ¸»¿]¸ú
¤¸ÿˆÅ ׸£¸ ‡¬¸ƒÄ¤¸ú‚¸ƒÄ (©¸½¡¸£ ‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸) ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸, 2014
‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê, ‚œ¸›¸½ œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ‚¸¾£ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ˆÅŸ¸Ä¸¸£ú ©¸½¡¸£

16. Annual Report 2019-20
14
in compliance of SEBI (Share Based Employee Benefits)
Regulations, 2014 by issuing and allotting 10,00,00,000 (Ten
crore) equity shares of ` 10/- each of Bank at `13.17 per equity
share to its Whole Time Directors and Employees. The shares
were offered at a discount of 20% on the floor price i.e. 13.17
per share.
Bank has allotted 297,09,37,912 Equity Shares of `10/- each
of Bank to Government of India at issue price of ` 15.14/- per
share on 29th
April, 2019 against a capital infusion of ` 4498/-
crore. The Government of India infused Equity capital of ` 831/-
crore in Bank on 20th
March, 2020. The said money is kept in
the Share application money pending allotment A/c till allotment
formalities are completed. With the approval of RBI, said capital
is used for computation of CET-1 Ratio as on 31.03.2020.
Further, the Bank also raised Tier – II capital of ` 600 crore by
issue of BASEL III Tier – II Bonds with coupon rate of 8.70% in
March, 2020.
2.13 Net worth
The Bank’s Net Worth stood at ` 6,985.74 crore as on
31.03.2020 as against ` 5,859.73 crore as on 31.03.2019.
2.14 Capital Adequacy Ratio
The Capital Adequacy ratio stood at 13.52 % as on 31.03.2020,
against the minimum of 10.88 % (including CCB) prescribed
by RBI in terms of Basel III norms. The Common Equity Tier 1
Ratio stood at 10.67 %.
3.
RESOURCES: BRANCH NETWORK, HUMAN RESOURCES,
IT INFRASTRUCTURE, CUSTOMERS RESPONSIVENESS
AND OTHERS:
3 .1 Branch/ATM Network
As on 31.03.2020, the total branch network comprised of 1,833
branches spread across all the States and four union territories.
The branch network includes specialized branches in the area
of Foreign Exchange, Government Business, Treasury and
International Banking, Industrial Finance, Small Scale Industry
and Hi-tech agriculture, Pension Payment, Self Help Groups
etc. Area wise classification of branches as on 31.03.2020 is
given in the table below:
Sr.
No.
Classification
As on
31.03.2020
As on
31.03.2019
1 Rural 616 615
2 Semi-Urban 428 426
3 Urban 331 325
4 Metro 458 466
Total 1833 1832
In FY 2019-20 the Bank merged one branch ensuring that no
discomfort was caused to the customers and opened two new
branches.
ATM Network
31.03.2020 31.03.2019
Offsite 544 552
Onsite 1307 1306
Total 1851 1858
‰¸£ú™ ¡¸¸½]¸›¸¸ (ƒÄ‡¬¸œ¸ú‡¬¸) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œÏ÷¡¸½ˆÅ `10/- ˆ½Å 10,00,00,000
(™¬¸ ˆÅ£¸½”õ) ƒ¦Æ¨¸’ú ©¸½¡¸£ œÏ÷¡¸½ˆÅ `13.17 ˆ½Å ¢›¸Š¸ÄŸ¸ Ÿ¸»¥¡¸ œ¸£ ‚¸¤¸¿’›¸ ˆ½Å
]¸¢£‡ ‚œÏ¾¥¸ 2019 Ÿ¸Ê 131.70 ˆÅ£¸½”õ ²Åœ¸¡¸½ ˆÅú œ¸»¿]¸ú ]¸º’¸›¸½ ˆÅ¸ û¾Å¬¸¥¸¸ ¢ˆÅ¡¸¸
Š¸¡¸¸— ©¸½¡¸£¸Ê ˆÅ¸½ ‚¸š¸¸£ ˆÅúŸ¸÷¸ ‚˜¸¸Ä÷¸ œÏ¢÷¸ ©¸½¡¸£ 13.17 œ¸£ 20% ˆÅú Ž»’ œ¸£
‚¸ÁûÅ£ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸—
¤¸ÿˆÅ ׸£¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅ¸½ `4498/- ˆÅ£¸½”õ ˆ½Å œ¸»¿]¸ú ¥¸Š¸¸›¸½ ˆ½Å ‡¨¸]¸ Ÿ¸Ê 29
‚œÏ¾¥¸, 2019 ˆÅ¸½ œÏ¢÷¸ ©¸½¡¸£ `10/- ˆ½Å 297,09,37,912 ƒ¦Æ¨¸’ú ©¸½¡¸£
`15.14 œÏ¢÷¸ ©¸½¡¸£ ˆ½Å ¢›¸Š¸ÄŸ¸ Ÿ¸»¥¡¸ œ¸£ ‚¸¤¸¿¢’÷¸ ¢ˆÅ‡ Š¸‡ íÿ— ž¸¸£÷¸ ¬¸£ˆÅ¸£ ›¸½
20 Ÿ¸¸¸Ä, 2020 ˆÅ¸½ ¤¸ÿˆÅ Ÿ¸Ê `831/- ˆÅ£¸½”õ ˆÅú ƒ¦Æ¨¸’ú œ¸»¿]¸ú ¥¸Š¸¸ƒÄ— „Æ÷¸ £¸¢©¸
‚¸¤¸¿’›¸ ˆÅú ‚¸¾œ¸¸¸¢£ˆÅ÷¸¸ œ¸»µ¸Ä í¸½›¸½ ÷¸ˆÅ ©¸½¡¸£ ‡œ¥¸úˆ½Å©¸›¸ £¸¢©¸ ¥¸¿¢¤¸÷¸ ‚¸¨¸¿’›¸
‰¸¸÷¸½ Ÿ¸Ê £‰¸ú Š¸ƒÄ í¾— ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ ˆÅú Ÿ¸¿]¸»£ú ¬¸½, „Æ÷¸ œ¸»¿]¸ú 31.03.2020
ˆÅ¸½ ¬¸úƒÄ’ú-1 ‚›¸ºœ¸¸÷¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ „œ¸¡¸¸½Š¸ ˆÅú Š¸ƒÄ í¾— ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ
›¸½ Ÿ¸¸¸Ä, 2020 Ÿ¸Ê 8.70% ˆ½Å ˆ»Åœ¸›¸ ™£ ¬¸½ ¤¸½¬¸¥¸ III ¢’¡¸£- II ¤¸¸Á›” ¢›¸Š¸ÄŸ¸ ˆ½Å
]¸¢£‡ `600 ˆÅ£¸½”õ ˆÅú ¢’¡¸£ - II œ¸»¿]¸ú ž¸ú ]¸º’¸ƒÄ—
2.13 ›¸½’¨¸˜¸Ä
¤¸ÿˆÅ ˆÅ¸ ›¸½’¨¸˜¸Ä 31.03.2019 ˆ½Å `5,859.73 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2020
ˆÅ¸½ `6,985.74 ˆÅ£¸½”õ £í¸.
2.14 œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸
¤¸½¬¸¥¸-III Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ›¡¸»›¸÷¸Ÿ¸ ¢›¸š¸¸Ä¢£÷¸ 10.88 %
(¬¸ú¬¸ú¤¸ú ¬¸¢í÷¸) ˆ½Å œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2020 ˆÅ¸½ ¤¸ÿˆÅ ˆÅ¸
œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ 13.52% £í¸. ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ¢’¡¸£-I 10.67 % £í¸.
3. ¬¸¿¬¸¸š¸›¸ À ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ, Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸, ‚¸ƒÄ’ú ‚¨¸¬¸¿£¸›¸¸, ŠÏ¸íˆÅ
‚›¸º¢ÇÅ¡¸¸©¸ú¥¸÷¸¸ ‚¸¾£ ‚›¡¸
3.1 ©¸¸‰¸¸/ ‡’ú‡Ÿ¸ ›¸½’¨¸ˆÄÅ
¢™›¸¸¿ˆÅ 31.03.2020 ˆÅ¸½ ¤¸ÿˆÅ ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ Ÿ¸Ê ˆºÅ¥¸ 1833 ©¸¸‰¸¸‡¿ ˜¸ú¿, ]¸¸½
¬¸ž¸ú £¸]¡¸¸Ê ÷¸˜¸¸ 4 ¬¸¿‹¸©¸¸¢¬¸÷¸ ®¸½°¸¸Ê Ÿ¸Ê û¾Å¥¸ú íºƒÄ í¾. ƒ¬¸ ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ Ÿ¸Ê
¢¨¸™½©¸ú Ÿ¸ºÍ¸, ¬¸£ˆÅ¸£ú ˆÅ¸£¸½¤¸¸£, ‰¸]¸¸›¸¸ ‡¨¸¿ ‚¿÷¸££¸«’ïú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ‚¸¾Ô¸¸½¢Š¸ˆÅ
¢¨¸î¸, ¥¸‹¸º „Ô¸¸½Š¸ ÷¸˜¸¸ „¸ ÷¸ˆÅ›¸úˆÅ ˆ¼Å¢«¸ ®¸½°¸¸Ê ˆÅú ¢¨¸©¸½«¸±¸ ©¸¸‰¸¸‡¿, œ¸Ê©¸›¸
ž¸ºŠ¸÷¸¸›¸ ©¸¸‰¸¸, ¬¨¸-¬¸í¸¡¸÷¸¸ ¬¸Ÿ¸»í ƒ÷¡¸¸¢™ ¢¨¸©¸½«¸úˆ¼Å÷¸ ©¸¸‰¸¸‡¿ ©¸¸¢Ÿ¸¥¸ íÿ.
¢™›¸¸¿ˆÅ 31.03.2020 ˆÅ¸½ ©¸¸‰¸¸‚¸Ê ˆÅ¸ ®¸½°¸¨¸¸£ ¨¸Š¸úĈţµ¸ ›¸ú¸½ ¬¸¸£µ¸ú Ÿ¸Ê ¢™¡¸¸
Š¸¡¸¸ í¾À
ÇÅ. ¨¸Š¸úĈţµ¸
31.03.2020
ˆÅ¸½
31.03.2019
ˆÅ¸½
1 ŠÏ¸Ÿ¸úµ¸ 616 615
2 ‚š¸Ä-©¸í£ú 428 426
3 ©¸í£ú 331 325
4 Ÿ¸í¸›¸Š¸£ú¡¸ 458 466
ˆºÅ¥¸ 1833 1832
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ‡ˆÅ ©¸¸‰¸¸ ˆÅ¸ ¢¨¸¥¸¡¸ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£÷¸½ íº‡
¢ˆÅ¡¸¸ ¢ˆÅ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ˆÅ¸½ƒÄ ‚¬¸º¢¨¸š¸¸ ›¸ í¸½ ‚¸¾£ ™¸½ ›¸ƒÄ ©¸¸‰¸¸‡Â ‰¸¸½¥¸ú—
‡’ú‡Ÿ¸ ›¸½’¨¸ˆÄÅ
31.03.2020 31.03.2019
‚¸ÁûŬ¸¸ƒÄ’ 544 552
‚¸Á›¸¬¸¸ƒÄ’ 1307 1306
ˆºÅ¥¸ 1851 1858

17. 15
JeeefekeÀ efjHeesì 2019-20
3.2 Human Resources Management
The Bank has put in place comprehensive HRM Policies
that provides the road map for acquiring appropriate need
based human resources, its development through training, job
enrichment, reward and recognition for better performance,
career progression, welfare and retention.
Recruitment: During the year 2019-20, the Bank recruited
employees as under:
276 Officers in Scale I, 23 officers in Scale II, 7 Officers in Scale
III 2 Officers in Scale IV (this includes 35 CA, 3 Forex, 2
Economist, 1 Domestic Dealer, 9 Data Analyst, 4 Inf. System
Auditor, 1 Information Security, 5 HR, 3 NET Admin, 4 Soft
Programmer, 2 Soft Test, 1 Fire Engg, 5 Security Officers 1
DBA). The Bank also recruited 261 Clerks 25 Sub-staff.
During the year, 984 employees exited from service on account
of retirement, VRS, resignation, termination and death. Inter
scale promotions of officers were carried out during 2019-20.
Following number of candidates were promoted.
JMGS-I TO
MMGS-II
MMGS-II
to MMGS
III
MMGS-III
TO SMGS-
IV
SMGS-
IV TO
SMGS-V
SMGS-V
TO SMGS-
VI
SMGS-VI
TO TEGS-
VII
488 297 99 34 18 7
During the year 2019-20, 96 Clerks were promoted to Officer
Cadre in Scale I 47 Sub-staff were promoted to Clerical
Cadre. The Cadre wise staff position as of 31.3.2020 with sex
ratio percentage is mentioned below:
Category Male % Female % Total
Officers 4780 72.02 1857 27.98 6637
Clerks 2832 65.94 1463 34.06 4295
Sub-staff 1417 88.56 183 11.44 1600
Total 9029 72.05 3503 27.95 12532
The Bank has been complying with the reservation policy
of Govt. of India. Special Cells at Head Office and all Zonal
Offices are functioning to monitor the implementation of the
reservation policies and to redress grievances of SC/ST/OBC
Physically challenged employees as well as ex-servicemen.
The Bank has designated Chief Liaison Officers at Head Office
and has set up SC/ST Cells at all Zonal Offices.
Compassionate Appointments - A Scheme for
‘Compassionate Appointments’ / “Payment of Ex-gratia lump-
sum amount“ to /of heirs of employees dying in harness or
retiring due to incapacitation framed as per the directives of
Government of India, has been implemented. The details of
compassionate appointments and payment of Ex-gratia lump-
sum amount for the year 2019-20 is as under:
Compassionate Appointments Payment of Exgratia
Cadre
No. of
employees
No. of
employees
Amount
paid
Clerk 07 Nil Nil
Sub-staff 07 01 6,00,000/-
The reimbursement of examination fees payment of cash
incentive / Honorarium in respect of courses from Indian Institute
of Banking Finance, MBA from reputed Institutions, FRM,
BIRD, PRM, CFA etc. has been widened by adding courses in
the list of courses for reimbursement of fees thereby making
total 38 courses eligible for reimbursement of examination fees.
A policy for granting special leave and 100% reimbursement
of hospitalization expenses to officers when he/she meets
with an accident / injury while on duty is in place.
3.2 Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ œÏ¤¸¿š¸›¸
¤¸ÿˆÅ ›¸½ ¨¡¸¸œ¸ˆÅ Ÿ¸›¸º«¡¸¤¸¥¸ ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾ ¢]¸¬¸Ÿ¸Ê „œ¸¡¸ºÆ÷¸ ‚¸¾£ ‚¸¨¸©¡¸ˆÅ÷¸¸
‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¢›¸¡¸ºÆ÷¸/ ÷¸¾¡¸¸£ ˆÅ£›¸½, œÏ¢©¸®¸µ¸, ˆÅ¸¡¸Ä ¬¸¿¨¸š¸Ä›¸, ¤¸½í÷¸£
ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅú œ¸í¸¸›¸ ¨¸ œ¸º£¬ˆÅ¸£, ˆ¾Å¢£¡¸£ ¢›¸Ÿ¸¸Äµ¸, ˆÅ¥¡¸¸µ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¬¸¿¬˜¸¸ Ÿ¸Ê ¤¸›¸¸‡ £‰¸›¸½ ÷¸˜¸¸ „›¸ˆ½Å ¢¨¸ˆÅ¸¬¸ í½÷¸º ¡¸¸½]¸›¸¸ ™ú Š¸ƒÄ í¾.
ž¸÷¸úÄ À ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ž¸÷¸úÄ ˆÅú À
¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú I ˆ½Å 276, ¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú II ˆ½Å 23, ¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú III ˆ½Å 7 ÷¸˜¸¸
¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú IV Ÿ¸Ê 2 ‚¢š¸ˆÅ¸£ú (ƒ¬¸Ÿ¸Ê 35 ¬¸ú‡, 3 ¢¨¸™½©¸ú Ÿ¸ºÍ¸, 2 ‚˜¸Ä©¸¸¬°¸ú,
1 ‹¸£½¥¸» ”ú¥¸£, 9 ”½’¸ ¢¨¸©¥¸½«¸ˆÅ, 4 ƒ›ûŸ½ ¢¬¸¬’Ÿ¸ ‚¸Á¢”’£, 1 ¬¸»¸›¸¸ ¬¸º£®¸¸,
5 Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸, 3 ›¸½’ ‡”¢Ÿ¸›¸, 4 ¬¸¸ÁÉ’ œÏ¸½ŠÏ¸Ÿ¸£, 2 ¬¸¸ÁÉ’ ’½¬’, 1 ûŸ¡¸£
ƒ¿]¸ú¢›¸¡¸£, 5 ¬¸º£®¸¸ ‚¢š¸ˆÅ¸£ú ¨¸ 1 ”ú¤¸ú‡) ©¸¸¢Ÿ¸¥¸ íÿ— ¤¸ÿˆÅ ›¸½ 261 ¢¥¸¢œ¸ˆÅ ÷¸˜¸¸
25 ‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä¸¸¢£¡¸¸½ ˆÅú ž¸÷¸úÄ ž¸ú ˆÅú—
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸½¨¸¸¢›¸¨¸¼¢î¸, ¬¨¸¾¦ŽˆÅ ¬¸½¨¸¸¢›¸¨¸¼¢î¸, ÷¡¸¸Š¸ œ¸°¸, ¬¸½¨¸¸ ¬¸½ í’¸›¸½
ƒ÷¡¸¸¢™ ‡¨¸¿ Ÿ¸¼÷¡¸º ˆ½Å ˆÅ¸£µ¸ 984 ˆÅŸ¸Ä¸¸£ú ¬¸½¨¸¸ Ÿ¸Ê ›¸íú¿ £í½. 2019-20 ˆ½Å
™¸¾£¸›¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ‚¿÷¸¨¸½Ä÷¸›¸Ÿ¸¸›¸ œ¸™¸½››¸¢÷¸ œÏ¢ÇÅ¡¸¸ ‚¸¡¸¸½¢]¸÷¸ ˆÅú Š¸ƒÄ.
„ŸŸ¸ú™¨¸¸£¸Ê ˆÅ¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ œ¸™¸½››¸¢÷¸ œÏ™¸›¸ ˆÅú Š¸ƒÄ À
ˆÅœÏ¨¸½ª½-I ¬¸½
Ÿ¸œÏ¨¸½ª½- II
Ÿ¸œÏ¨¸½ª½- II
¬¸½ Ÿ¸œÏ¨¸½ª½-
III
Ÿ¸œÏ¨¸½ª½- III
¬¸½ ¨¸œÏ¨¸½ª½-
IV
¨¸œÏ¨¸½ª½-IV
¬¸½ ¨¸œÏ¨¸½ª½-V
¨¸œÏ¨¸½ª½-V ¬¸½
¨¸œÏ¨¸½ª½- VI
¨¸œÏ¨¸½ª½- VI
¬¸½ „ˆÅ¸¨¸½ª½-
VII
488 297 99 34 18 7
¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ 96 ¢¥¸¢œ¸ˆÅ¸Ê ˆÅ¸½ ¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú I ‚¢š¸ˆÅ¸£ú ÷¸˜¸¸ 47
‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä¸¸£ú ˆÅ¸½ ¢¥¸¢œ¸ˆÅ í½÷¸º œ¸™¸½››¸¢÷¸ ™ú Š¸ƒÄ. 31.03.2020 ˆ½Å ‚›¸º¬¸¸£
¢¥¸¿Š¸ ‚›¸ºœ¸¸÷¸ ¬¸¢í÷¸ ¬¸¿¨¸Š¸Ä¨¸¸£ ˆÅ¸¢Ÿ¸ÄˆÅ ¦¬˜¸¢÷¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ À
ª½µ¸ú œ¸º²Å«¸ % Ÿ¸¢í¥¸¸ % ˆºÅ¥¸
‚¢š¸ˆÅ¸£ú 4780 72.02 1857 27.98 6637
¢¥¸¢œ¸ˆÅ 2832 65.94 1463 34.06 4295
‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä¸¸£ú 1417 88.56 183 11.44 1600
ˆºÅ¥¸ 9029 72.05 3503 27.95 12532
¤¸ÿˆÅ ž¸¸£÷¸ ¬¸£ˆÅ¸£ú ˆÅú ‚¸£®¸µ¸ ›¸ú¢÷¸ ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£÷¸¸ í¾. ‚¸£®¸µ¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å
ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œ¸£ ¢›¸Š¸£¸›¸ú £‰¸›¸½ í½÷¸º ÷¸˜¸¸ ‚›¸º¬¸»¢¸÷¸ ]¸¸¢÷¸/ ‚›¸º¬¸»¢¸÷¸ ]¸›¸]¸¸¢÷¸/ ‚›¡¸
¢œ¸Ž”õ½¨¸Š¸Ä‚¸¾£¢™¨¡¸¸¿Š¸ˆÅŸ¸Ä¸¸¢£¡¸¸Êˆ½Å¬¸¸˜¸-¬¸¸˜¸ž¸»÷¸œ¸»¨¸Ä¬¸¾¢›¸ˆÅ¸ÊˆÅú¢©¸ˆÅ¸¡¸÷¸¸Êˆ½Å¢›¸¨¸¸£µ¸
í½÷¸º œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ‡¨¸¿ ¬¸ž¸ú ‚¿¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ¢¨¸©¸½«¸ ˆÅ®¸ ˆÅ¸¡¸Ä£÷¸ íÿ. ¤¸ÿˆÅ ›¸½ œÏš¸¸›¸
ˆÅ¸¡¸¸Ä¥¸¡¸ ¬÷¸£ œ¸£ Ÿ¸º‰¡¸ ¬¸¿œ¸ˆÄÅ ‚¢š¸ˆÅ¸£ú ˆÅ¸½ ›¸¸¢Ÿ¸÷¸ ¢ˆÅ¡¸¸ í¾ ÷¸˜¸¸ ‚¿¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê
‚›¸º¬¸»¢¸÷¸ ]¸¸¢÷¸/ ‚›¸º¬¸»¢¸÷¸ ]¸›¸]¸¸¢÷¸ ˆÅ®¸ ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú Š¸ƒÄ í¾.
‚›¸ºˆ¿Åœ¸¸ ¢›¸¡¸º¢Æ÷¸ - ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆ½Å ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡
‚®¸Ÿ¸÷¸¸ ˆ½Å ˆÅ¸£µ¸ ™¸½í›¸ ¡¸¸ ¢›¸¨¸¼î¸ í¸½›¸½ ¨¸¸¥¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å „¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å
‚›¸ºˆ¿Åœ¸¸ ¢›¸¡¸º¢Æ÷¸¡¸¸Ê/ ‚›¸ºŠÏí ‡ˆÅŸ¸º©÷¸ £ˆÅŸ¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆÅú ¡¸¸½]¸›¸¸ ˆÅ¸½
ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. ¨¸«¸Ä 2019-20 ˆ½Å ¢¥¸‡ ‚›¸ºˆ¿Åœ¸¸ ¢›¸¡¸º¢Æ÷¸¡¸¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸
‚¸¾£ ‚›¸ºŠÏí ‡ˆÅŸ¸º©÷¸ £¸¢©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
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18. Annual Report 2019-20
16
Training Activities:
The Bank has a training system, which facilitates attention to
regular periodic assessment of skill gaps at various levels in
relation to existing and emerging business opportunities. Skill
building in credit, Forex, customer relationship management,
marketing of products and services, credit monitoring and
recovery, risk management, technology based banking,
branch management, complying with statutory, legal and policy
requirements and preventive vigilance received special attention
during the year. Special Leadership Development Program
for General Managers Dy. General Managers were also
organized at IIM Kozhikode. E-learning platform was utilized
for imparting training to 3600 Officers. Training programs were
also held on thrust areas like financing MSMEs, retail lending,
agriculture finance, soft skills and rural development.
Cadre-wise Break up of Employees trained during the
period 1.4.2019 to 31.03.2020 are as under-
Cadre
No. of
Programmes
Training
Days
Employees
Trained
Officers 230 582 4494
Clerks 132 397 1840
S/staff 53 99 861
Total 415 1078 7195
3.3 Technology Initiatives
The Year 2019-2020 was a Technology Upscaling year for the
Bank. The Bank had taken up major IT Projects and successfully
initiated/up scaled the same which are enumerated as under:
• MeitY - Digital Score Card: Ministry of Electronics
Information Technology (MeitY) had set a target of 19.30
crore for digital transactions and 75,750 for merchant
onboarding on various acquirer channels of Bank. Our
bank achieved the digital transactions of 20.45 Crore
and merchant on boarding of 1,06,971 for FY 2019-
20. The MeitY monitors the progress of digital payment
transactions, merchant acquisition, UPI and AePs
system resilience on monthly basis and communicates
the scores to Banks. Our Bank secured more than 70
score in 4 months and stood first among all PSU Banks
consecutively for 3 months.
• The Bank implemented 807 Self Update Pass Book
Printing Kiosks, 106 Bunch Note Acceptor Machines
and 75 Cash Recyclers at various locations across the
Bank. The same shall be continued to ensure fulfilment
of customer requirements/ satisfaction.
• The Bank had a tied up with BSNL for upgrading the
Bandwidth of the Leased Lines from 64-128 Kbps to
2 Mbps. As on 31.03.2020, bandwidth of 1,770 leased
lines is upgraded to 2 Mbps. In order to make our
systems more resilient, bandwidth is made available
from Additional Network Service Providers including
Airtel, Vodafone, Sify and TCL. So far 1,570 branches
have dual service providers.
• National Common Mobility Card – The Bank partnered
with NPCI for issuance of National Common Mobility
Card (NCMC) using Near Field Communication. NCMC
has features of both Online-Offline transactions and
prepaid-wallet capabilities. Bank has so far issued
15,828 NCMC cards to customers.
• Bharat Bill Pay System (BBPS): BBPS is a one-
stop ecosystem for payment of all bills providing an
interoperable and accessible “Anytime Anywhere” bill
payment service to all customers across India with
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ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ ]¸¾¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ®¸½°¸¸Ê œ¸£ ž¸ú œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸ ‚¸¡¸¸½¢]¸÷¸ ¢ˆÅ‡ Š¸‡.
01.04.2019 ¬¸½ 31.03.2020 ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œÏ¢©¸¢®¸÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê
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ˆºÅ¥¸ 415 1078 7195
3.3 œÏ¸¾Ô¸¸½¢Š¸ˆÅú œ¸í¥¸Ê
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