This document is the annual report of a bank for the financial year 2019-20. It includes details such as the board of directors, general managers, statement from the Managing Director and CEO, key performance indicators, progress highlights, directors' report covering management discussion and analysis, performance highlights, resources, socio-economic development, important schemes/projects of the bank, corporate social responsibility, lead bank scheme, subsidiaries and joint ventures, implementation of official language policy, security, secretarial audit, directors' responsibility statement, changes in board of directors, dividend distribution policy, business responsibility report and acknowledgements. It also includes the corporate governance report, balance sheet, profit and loss account, notes on accounts, significant accounting policies, cash