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‚›¸º¬¸»¢¸¡¸¸¿ 1 ¬¸½ 18 ................................................80

›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ............................................. 112

¬¨¸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä .............................. 114

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¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¥¸½‰¸¸ .................................. 117

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¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ .................................. 139

¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ .................................................... 141

ˆÅ¸£¸½¤¸¸£ú „™¸¢¡¸÷¨¸ ¢£œ¸¸½’Ä 2015-16 ..................... 142

CONTENTS

Page

Board of Directors ............................................03

Highlights of 2015-16 .......................................14

Key Financial Indicators .................................158

Notice .............................................................160

Directors' Report ............................................168

Management Discussion and Analysis..........173

Corporate Governance Report ......................193

Independent Auditors Report ........................222

Balance Sheet ................................................224

Profit & Loss Account ....................................225

Schedules 1 to 18 ..........................................226

Cash Flow Statement .....................................258

Independent Auditors Report ........................260

Consolidated Balance Sheet .........................262

Consolidated Profit & Loss Account ..............263

Consolidated Schedules 1 to 18 ...................264

Consolidated Cash Flow Statement ..............284

Risk Management ..........................................286

Business Responsibility Report 2015-16 .......287

2 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ž¸¨¸›¸

239, ¢¨¸š¸¸›¸ ž¸¨¸›¸ Ÿ¸¸Š¸Ä,

›¸£úŸ¸›¸ œ¸¸Áƒ¿’,

Ÿ¸º¿¤¸ƒÄ - 400 021.

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239, ¢¨¸š¸¸›¸ ž¸¨¸›¸ Ÿ¸¸Š¸Ä,

›¸£úŸ¸›¸ œ¸¸Áƒ¿’,

Ÿ¸º¿¤¸ƒÄ - 400 021.

¢›¸¨¸½©¸ˆÅ ¬¸½¨¸¸‡¿ œÏž¸¸Š¸¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ž¸¨¸›¸,

239, ¢¨¸š¸¸›¸ ž¸¨¸›¸ Ÿ¸¸Š¸Ä,

›¸£úŸ¸›¸ œ¸¸Áƒ¿’,

Ÿ¸º¿¤¸ƒÄ - 400 021.

£¢¸¬’︣ ÷¸˜¸¸ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡¸Ê’”¸’¸Ÿ¸¾¢’Ƭ¸ ûŸ¡¸›¸¸¿¢©¸¡¸¥¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸.

œ¥¸¸Á’ ÇÅ. ¤¸ú- 5, œ¸¸’Ä ¤¸ú,

ÇŸÁ¬¸ ¥¸½›¸, ‡Ÿ¸. ‚¸ƒÄ. ”ú.¬¸ú., Ÿ¸£¸½¥¸,

‚¿š¸½£ú (œ¸»¨¸Ä), Ÿ¸º¿¤¸ƒÄ-400 093.

Head Office

Union Bank Bhavan,

239, Vidhan Bhavan Marg,

Nariman Point,

Mumbai - 400 021.

Central Office

Union Bank Bhavan,

239, Vidhan Bhavan Marg,

Nariman Point,

Mumbai - 400 021.

Investor Services Division

Union Bank Bhavan,

239, Vidhan Bhavan Marg,

Nariman Point,

Mumbai - 400 021.

Registrar & Share Transfer Agent

Datamatics Financial Services Ltd.

Plot No. B-5, Part B,

Cross Lane, MIDC, Marol,

Andheri (E), Mumbai-400 093.

¥¸½‰¸¸ œ¸£ú®¸ˆÅ AUDITORS

ˆ¼Å÷¸½ ¸½. Š¸ºœ÷¸¸ ‡¿¿” ˆ¿Å.¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

ˆ¼Å÷¸½ ¸ú. œ¸ú. ˆÅ¸œ¸¢”õ¡¸¸ ‡¿¿” ˆ¿Å.¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

ˆ¼Å÷¸½ ‚減¸ú ‡¿¿” ‡¬¸¸½¢¬¸‡’츬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

FOR J GUPTA & CO.CHARTERED ACCOUNTANTS

FOR G P KAPADIA & CO.CHARTERED ACCOUNTANTS

FOR ASHWANI & ASSOCIATESCHARTERED ACCOUNTANTS

ˆ¼Å÷¸½ ¸ú¤¸ú¬¸ú‡ ‡¿¿” ‡¬¸¸½¢¬¸‡’츬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

ˆ¼Å÷¸½ ¬¸º¿™£ ªú›¸ú ‡¿¿” ªúš¸£¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

ˆ¼Å÷¸½ œ¸ú ‡ ‡¿¿” ‡¬¸¸½¢¬¸‡’츬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

FOR GBCA & ASSOCIATESCHARTERED ACCOUNTANTS

FOR SUNDAR SRINI & SRIDHARCHARTERED ACCOUNTANTS

FOR P A & ASSOCIATESCHARTERED ACCOUNTANTS

¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016 3

¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸BOARD OF DIRECTOR

ªú ‚²µ¸ ¢÷¸¨¸¸£ú 26 ¢™¬¸¿¤¸£, 2013 ¬¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ íÿ.

£¬¸¸¡¸›¸ ©¸¸¬°¸ Ÿ¸Ê ¬›¸¸÷¸ˆÅ¸½î¸£ „œ¸¸¢š¸ œÏ¸œ÷¸ ªú ¢÷¸¨¸¸£ú ˆÅ¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ ¢¨¸î¸ ÷¸˜¸¸ ˆ¿Åœ¡¸»’£ œÏ¸½ŠÏ¸¢Ÿ¸¿Š¸ ¸¾¬¸½ ¢¨¸¢¨¸š¸ ®¸½°¸¸Ê ˆÅ¸ ¢¨¸¬÷¸¼÷¸ ±¸¸›¸ í¾. ‡ˆÅ ¢¸±¸¸¬¸º œ¸¸“ˆÅ ÷¸˜¸¸ ¬¸÷¸÷¸ ±¸¸›¸¸¸ÄˆÅ ªú ¢÷¸¨¸¸£ú ›¸½ ‚¸˜¸Ä£ ”ú'¢¥¸¢’¥¸, ¤¸¸½¬’›¸, ¡¸»‡¬¸‡, ˆ½Å¥¸¸ÁŠ¸ ¬ˆ»Å¥¸ ‚¸ÁûÅ Ÿ¸¾›¸½¸Ÿ¸Ê’, ›¸¸Á˜¸Ä¨¸½¬’›¸Ä ¡¸»¢›¸¨¸¢¬¸Ä’ú, ¢©¸ˆÅ¸Š¸¸½, ƒ¿¢”¡¸›¸ ¬ˆ»Å¥¸ ‚¸ÁûÅ ¢¤¸¸›¸½¬¸, í¾™£¸¤¸¸™, ‚¸¢™ ¸¾¬¸½ œÏ¢÷¸¦«“÷¸ ¬¸¿¬˜¸¸›¸¸Ê ¬¸½ œÏ¢©¸®¸µ¸ œÏ¸œ÷¸ ¢ˆÅ¡¸¸ í¾. ªú ¢÷¸¨¸¸£ú ›¸½ ¢¨¸æ¸ ¤¸ÿˆÅ ˆ½Å ÷¸÷¨¸¸¨¸š¸¸›¸ Ÿ¸Ê ž¸¸£÷¸ Ÿ¸Ê ¢›¸¡¸¸Ä÷¸¸½›Ÿ¸º‰¸ú ¥¸‹¸º „Ô¸¸½Š¸¸Ê ˆ½Å ¢¥¸‡ ¡¸»‡¬¸‡ ÷¸˜¸¸ ¡¸»£¸½œ¸ Ÿ¸Ê ‚š¡¸¡¸›¸ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸.

ªú ‚²µ¸ ¢÷¸¨¸¸£ú ›¸½ ¤¸ÿˆÅ ‚¸ÁûÅ ¤¸”õ¸¾™¸ Ÿ¸Ê œÏ¸½¤¸½©¸›¸£ú ‚¸Á¢ûŬ¸£ ˆ½Å ³œ¸ Ÿ¸Ê ‚œ¸›¸¸ ˆÅ¢£¡¸£ ‚¸£¿ž¸ ¢ˆÅ¡¸¸, ¸í¸¿ „›í¸Ê›¸½ ©¸¸‰¸¸‚¸Ê ¨¸ ‚¿¸¥¸ú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸½¿ ¤¸¾¢ˆ¿ÅŠ¸ ˆ½Å ¬¸ž¸ú œÏŸ¸º‰¸ ®¸½°¸¸½¿ Ÿ¸½¿ ¢¨¸¢ž¸››¸ œ¸™¸½¿ œ¸£ ÷¸˜¸¸ ˆÅ¸œ¸¸½Ä£½’ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê Ÿ¸í¸œÏ¤¸¿š¸ˆÅ- ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ, ¨¸½¥˜¸ Ÿ¸¾›¸½¸Ÿ¸Ê’ ‡¨¸¿ í¸½¥¸¬¸½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ½Å ³œ¸ Ÿ¸½¿ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸. ¤¸ÿˆÅ Ÿ¸Ê ‚œ¸›¸½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ „›í¸Ê›¸½ ™½©¸ ˆ½Å ¢¨¸¢ž¸››¸ ž¸¸¾Š¸¸½¢¥¸ˆÅ ˆ½Å›Í¸Ê ÷¸˜¸¸ ˆºÅ‚¸¥¸¸¥¸Ÿœ¸»£ ÷¸˜¸¸ ¢¬¸¿Š¸¸œ¸º£ Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ ®¸½°¸¸Ê ˆ½Å Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ˆ½Å ³œ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸.

¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ Ÿ¸Ê ˆÅ¸¡¸Ä ŠÏíµ¸ ˆÅ£›¸½ ¬¸½ œ¸»¨¸Ä ªú ¢÷¸¨¸¸£ú 18 ¸»›¸, 2012 ¬¸½ ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ £í½.

¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ªú ‚²µ¸ ¢÷¸¨¸¸£ú, ¤¸ÿˆÅ ˆÅú ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú- ¡¸»¢›¸¡¸›¸ ˆ½Å.¤¸ú.¬¸ú ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ž¸ú ¸½¡¸£Ÿ¸¾›¸ íÿ. ¨¸½ ¤¸ÿˆÅ ˆÅú ¸ú¨¸›¸ ¤¸úŸ¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ¿Åœ¸›¸ú ¬’¸£ ¡¸»¢›¸¡¸›¸ ™¸ƒÄ-ƒÄ¸ú ¥¸¸ƒûÅ ƒ¿©¡¸¸½£½¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¢›¸™½©¸ˆÅ íÿ. ¨¸½ ¤¸ÿˆÅ ˆÅú ‚¸½¨¸£¬¸ú¸ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú `¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (¡¸»ˆ½Å) ¢¥¸¢Ÿ¸’½”' ˆ½Å ž¸ú ¸½¡¸£Ÿ¸¾›¸ íÿ. ¨¸½ ¸›¸£¥¸ ƒ¿©¡¸¸½£Ê¬¸ ˆÅ¸œ¸¸½Ä£½©¸›¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (¸ú‚¸ƒÄ¬¸ú ‚¸£ƒÄ) ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ Ÿ¸Ê œ¸™½›¸ ¢›¸™½©¸ˆÅ ÷¸˜¸¸ ¢™ ›¡¸» ƒ¿¢”¡¸¸ ‡©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¢›¸™½©¸ˆÅ íÿ.

ªú ‚²µ¸ ¢÷¸¨¸¸£ú ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ÷¸˜¸¸ ¤¸¸Á¬¸½¥¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œ¸£ ƒ¿¢”¡¸›¸ ¤¸ÿˆÅ¬¸Ä ‡¬¸¸½¢¬¸‡©¸›¸ ˆÅú ¬˜¸¸¡¸ú ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¸½¡¸£Ÿ¸¾›¸, ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ œ¸£ ‚¸ƒÄ¤¸ú‡ ±¸¸›¸ ¬¸¿Š¸Ÿ¸ ¨¸¢ˆôÅŠ¸ ŠÏºœ¸ ˆ½Å ¸½¡¸£Ÿ¸¾›¸, ¤¸ÿ¢ˆ¿ÅŠ¸ 2016-17 œ¸£ ¬¸ú‚¸ƒÄ‚¸ƒÄ ›¸¾©¸›¸¥¸ ˆÅ¢Ÿ¸’ú ˆ½Å ¬¸í-¸½¡¸£Ÿ¸¾›¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ Š¸¢“÷¸ `¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©¸›¸ ˆÅ¸½«¸' ˆ½Å ¬¸¥¸¸íˆÅ¸£ú ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ¬¸™¬¡¸, ƒ¿¢”¡¸›¸ ƒ¿¬’ú’ḻ’ ‚¸ÁûÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¿” ûöŸƒ›¸Ê¬¸ (‚¸ƒÄ‚¸ƒÄ¤¸ú‡ûöÅ), Ÿ¸º¿¤¸ƒÄ ˆÅú ¬¸¿¸¸¥¸›¸ ¬¸¢Ÿ¸¢÷¸ (¢›¸™½©¸ˆÅ) ˆ½Å ¬¸™¬¡¸ ÷¸˜¸¸ „¸ ¬÷¸£ú¡¸ Š¸¾£ ¢›¸«œ¸¸™ˆÅ †µ¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¢¥¸‡ ž¸¸£÷¸ ¬¸£ˆÅ¸£, ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸ ׸£¸ Š¸¢“÷¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ íÿ.

Shri Arun TiwariChairman & Managing Director

ªú ‚²µ¸ ¢÷¸¨¸¸£ú‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ

Shri Arun Tiwari is the Chairman and Managing Director of Union Bank of India since December 26th, 2013.A postgraduate in Chemistry, Shri Tiwari has extensive knowledge in areas as diverse as banking & finance and computer programming. Shri Tiwari, a voracious reader and continuous learner, has undergone training at prestigious institutions, like Arthur D’Little, Boston, USA, Kellog School of Management, Northwestern University, Chicago, Indian School of Business, Hyderabad, etc. Shri Tiwari did a study assignment in USA and Europe for export oriented Small Scale Industries in India under aegis of World Bank.Shri Arun Tiwari started career as a Probationary Officer in Bank of Baroda, where he worked in almost all key segments of Banking, in various capacities – at Branches, Zonal Office, and at Corporate Office as General Manager – MSME & Wealth Management, Whole Sale Banking. His tenure in the Bank spanned various geographies of the country and overseas centres at Kuala Lumpur and Singapore, as Chief Executive of the respective territories.

4 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

ªú £¸ˆ½Å©¸ ¬¸½“ú 05 ‚Š¸¬÷¸, 2013 ¬¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ íÿ.

ªú £¸ˆ½Å©¸ ¬¸½“ú ¤¸ú.ˆÅ¸ÁŸ¸, ‡¥¸‡¥¸.¤¸ú ÷¸˜¸¸ œ¸¬¸Ä›¸¥¸ Ÿ¸¾›¸½¸Ÿ¸Ê’ Ÿ¸Ê ¢”œ¥¸¸½Ÿ¸¸ š¸¸£ˆÅ íÿ. ¨¸í ƒ¿¢”¡¸›¸ ƒ¿¬’ú’ḻ’ ‚¸ÁûÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ ûŸƒ›¸Ê¬¸ ˆ½Å ¬¸¢’ÄûŸƒ” ‡¬¸¸½¢©¸‡’ íÿ. „›í¸Ê›¸½ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ Ÿ¸Ê 1978 Ÿ¸½¿ ‚œ¸›¸¸ ˆÅ¢£¡¸£ ‚¸£¿ž¸ ¢ˆÅ¡¸¸ ÷¸˜¸¸ „›íÊ £¸«’ïú¡¸ ‡¨¸¿ ‚¿÷¸£¸Ä«’ïú¡¸ œ¸¢£¸¸¥¸›¸-™¸½›¸¸Ê íú ¬÷¸£¸Ê œ¸£ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ½Å ¢¨¸¢¨¸š¸ ®¸½°¸¸Ê Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆÅ¸ 38 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ¨¡¸¸œ¸ˆÅ ‚›¸ºž¸¨¸ í¾.

ªú ¬¸½“ú ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ¸¿”úŠ¸õ ‚¿¸¥¸ ˆ½Å œÏŸ¸º‰¸ £í½, ¢¸¬¸Ÿ¸Ê „ú £¸¡¸ ¢íŸ¸¸¸¥¸ œÏ™½©¸, í¢£¡¸¸µ¸¸ ÷¸˜¸¸ ˆÊÅÍ ©¸¸¢¬¸÷¸ ¸¿”úŠ¸õ ©¸¸¢Ÿ¸¥¸ í¿¾. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸½ ›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸- ™¢®¸µ¸ ˆ½Å œÏŸ¸º‰¸ £í½, ¢¸¬¸Ÿ¸Ê ™¢®¸µ¸ ž¸¸£÷¸ ˆ½Å ¬¸ž¸ú 6 ‚¿¸¥¸, ¢¸›¸Ÿ¸Ê ˆºÅ¥¸ 565 ©¸¸‰¸¸‡¿ ‚¸÷¸ú íÿ, ©¸¸¢Ÿ¸¥¸ íÿ. ¨¸í ¤¸ÿˆÅ ˆ½Å ˆ½ÅÍú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸½¿ ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ ̂ ½Å ž¸ú œÏŸ¸º‰¸ £í½. ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ Ÿ¸Ê ̂ Ÿ¡¸ÄˆÅ¸¥¸ ̂ ½Å ™¸¾£¸›¸ „›¸ˆÅ¸ œÏŸ¸º‰¸ ̂ Ÿ¡¸Ä®¸½°¸ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ, ‰¸º™£¸ ‡¨¸¿ ‚÷¸¿£¸Ä«’ïú¡¸ ¤¸¾¢ˆ¿ÅŠ¸ £í¸ ÷¸˜¸¸ ŠÏ¸íˆÅ ¨¸¸¥¸½’ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¢í¬¬¸½™¸£ú ¤¸õ¸›¸½ œ¸£ „›í¸½¿›¸½ ¢¨¸©¸½«¸ š¡¸¸›¸ ¢™¡¸¸.

‚œ¸›¸½ ‹¸£½¥¸» ¤¸ÿ¢ˆ¿ÅŠ¸ ‚›¸ºž¸¨¸ ˆ½Å ‚¢÷¸¢£Æ÷¸ ªú ¬¸½“ú ¸¬¸úÄ-¸¾›¸¥¸ ×úœ¸(1987-89), {¸¸¦Ÿ¤¸¡¸¸(1997-2001) ÷¸˜¸¸ ‚¿÷¸ Ÿ¸Ê ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ¡¸»£¸½œ¸ú¡¸ ¬¸¿¸¸¥¸›¸¸Ê ˆ½Å Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¥¸¿™›¸(2012-13) ¬¸¢í÷¸ ÷¸ú›¸ ¢¨¸™½©¸ú œ¸™¦¬˜¸¡¸¸Ê œ¸£ ž¸ú £í½ íÿ.

ªú ¬¸½“ú ˆÅ¸½ 5 ‚Š¸¬÷¸, 2013 ˆÅ¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å œ¸™ œ¸£ œ¸™¸½››¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ÷¸˜¸¸ ÷¸¤¸ ¬¸½ ¨¸í ’ｸ£ú (‹¸£½¥¸» ‡¨¸¿ ûŸ£½Æ¬¸) ˆÅ¸£¸½¤¸¸£, Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸, ¥¸¸¸Ä ˆÅ¸œ¸¸½Ä£½’, †µ¸ ›¸ú¢÷¸ ‡¨¸¿ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ, ‡›¸œ¸ú‡ œÏ¤¸¿š¸›¸, ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ ¢¨¸œ¸µ¸›¸, ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ÷¸˜¸¸ ˆÊÅÍú¡¸ ¥¸½‰¸¸œ¸£ú®¸¸ ‡¨¸¿ ¢›¸£ú®¸µ¸ ¢¨¸ž¸¸Š¸ ‚¸¢™ ¸¾¬¸½ œÏŸ¸º‰¸ ¢¨¸ž¸¸Š¸¸Ê ˆÅ¸ œ¸¡¸Ä¨¸½®¸µ¸ ˆÅ£ £í½ íÿ. ¨¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ‚¸½¨¸£¬¸ú¸ œ¸¢£¸¸¥¸›¸¸Ê ˆÅ¸ ž¸ú œ¸¡¸Ä¨¸½®¸µ¸ ˆÅ£ £í½ íÿ, ¢¸¬¸ˆÅú í¸¿Š¸ˆÅ¸¿Š¸, ™º¤¸ƒÄ ÷¸˜¸¸ ‡¿’¨¸œ¸Ä, ¤¸½¦¥¸¡¸Ÿ¸ Ÿ¸½¿ ©¸¸‰¸¸‡¿ ‡¨¸¿ ¡¸»ˆ½Å Ÿ¸Ê ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ÷¸˜¸¸ ¢¤¸¢¸¿Š¸, ©¸¿‹¸¸ƒÄ, ¢¬¸”›¸ú ‡¨¸¿ ‚¤¸» š¸¸¤¸ú Ÿ¸Ê œÏ¢÷¸¢›¸¢š¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ©¸¸¢Ÿ¸¥¸ íÿ,

ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸ ªú £¸ˆ½Å©¸ ¬¸½“ú ¤¸ÿˆÅ ˆÅú ¡¸»ˆ½Å ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (¡¸»ˆ½Å) ¢¥¸¢Ÿ¸’½” ˆ½Å ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ ÷¸˜¸¸ Ÿ¡¸»¸º‚¥¸ û¿Å” ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ¿Åœ¸›¸ú ¡¸»¢›¸¡¸›¸ ˆ½Å.¤¸ú.¬¸ú ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä ˆ½Å ¢›¸™½©¸ˆÅ íÿ. ¨¸í ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ¬¸¸½©¸¥¸ ûŸ„›”½©¸›¸ ’﬒ ˆ½Å ’﬒ú ¤¸¸½”Ä ˆ½Å „œ¸¸š¡¸®¸ íÿ. ƒ¬¸¬¸½ œ¸»¨¸Ä ªú ¬¸½“ú ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ¿Åœ¸›¸ú ¬’¸£ ¡¸»¢›¸¡¸›¸ ™¸ƒÄ-ƒÄ¸ú ¥¸¸ƒûÅ ƒ¿©¡¸¸½£½¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ Ÿ¸Ê ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆÅú ‚¸½£ ¬¸½ ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ £í½ íÿ.

Shri Rakesh SethiExecutive Director

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Before joining Union Bank of India, Shri Tiwari was Executive Director in Allahabad Bank from June 18th, 2012. Presently, Shri Tiwari is also Chairman of Union KBC Asset Management Company Limited, an Asset Management Company of the Bank. He is a Director on the Board of Star Union Dai-ichi Life Insurance Company Limited, Bank’s Life Insurance Joint Venture Company. He is the Chairman of Bank’s overseas subsidiary i.e. Union Bank of India (UK) Ltd. He is also Ex-Officio Director on the Board of General Insurance Corporation of India (GIC Re) and also a director on the board of The New India Assurance Company Ltd.Shri Arun Tiwari is the Chairman of IBA Standing Committee on Risk Management and Basel Implementation, Chairman of IBA - Gyan Sangam Working Group on Risk Management, Co-Chairman of CII National Committee on Banking 2016-17, Member of Advisory Board of "Financial Inclusion Fund" constituted by Govt. of India, a Member of Governing Council (Director) of Indian Institute of Banking & Finance, Mumbai (IIBF), a Member of the Committee constituted by Govt of India, Ministry of Finance to look into the issues of High Level of Non Performing Loans.

¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016 5

Shri Rakesh Sethi is working as an Executive Director of Union Bank of India since August 05th, 2013.

Shri Rakesh Sethi is Bachelor of Commerce, LLB and Diploma holder in Personal Management. He is a Certified Associate of the Indian Institute of Banking. He has vast experience spanning over more than 38 years in various facets of Banking, both in domestic and international operations, having started his career with Bank of India during 1978.

Shri Sethi headed Chandigarh Zone of Bank of India which covers the northern states of Himachal Pradesh, Haryana & U.T. Chandigarh. As a General Manager he headed the National Banking – South covering all the six zones of Southern India having 565 branches. He has also headed Retail Banking operations of the Bank at Head Office. During his tenure in Bank of India, he has handled core areas viz. MSME, International Banking and Retail, with a focus on increasing the bank’s share in the customer wallet.

In addition to his domestic banking experience, Shri Sethi has also three overseas stints during his career at Jersey – Chanel Island (1987-89), Zambia (1997-2001) and lastly in London (2012-13) as Chief Executive of European operation of Bank of India.

Shri Sethi was elevated to the position of Executive Director of Union Bank of India on 05th August 2013 and since then he has been overseeing operations of key departments viz Treasury (Domestic & Forex) Business, HR, Large Corporate, Credit Policy & MSME, NPA Management, Retail Banking & Marketing, Digital Banking, Central Audit & Inspection Dept etc. He also supervises the overseas operations of Union Bank of India having Branches in Hongkong, Dubai and Antwerp, Belgium and a subsidiary in UK besides representative offices in Beijing, Shanghai, Sydney and Abu Dhabi.

Additionally, Shri Sethi is the Nominee Director on the Board of Bank’s UK Subsidiary Union Bank of India (UK) Ltd. and a member of the Board of Union KBC Asset Management Company which is Bank’s JV in Mutual Fund Business. He is also Vice Chairman of the Board of Trustee of Union Bank Social Foundation Trust. Earlier Shri Sethi had served as Nominee Director on the Board of Joint Venture Star Union Dai-ichi Life Insurance Company on behalf of Bank of India.

Shri Vinod KathuriaExecutive Director

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ªú ¢¨¸›¸¸½™ ˆÅ˜¸»¢£¡¸¸ ›¸½ 22 ¸›¸¨¸£ú, 2016 ˆÅ¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸.

ªú ¢¨¸›¸¸½™ ˆÅ˜¸»¢£¡¸¸ ¢™¥¥¸ú ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ¬¸½ ˆÅ¸ÁŸ¸¬¸Ä Ÿ¸Ê ¬›¸¸÷¸ˆÅ¸½î¸£ „œ¸¸¢š¸ š¸¸£ˆÅ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ¬¸Ä ¬¸¿¬˜¸¸›¸ ˆ½Å ¬¸¢’ÄûŸƒ” ‡¬¸¸½¢¬¸‡’ íÿ. 1983 Ÿ¸Ê ƒ›í¸Ê›¸½ œ¸¿¸¸¤¸ ›¸¾©¸›¸¥¸ ¤¸ÿˆÅ Ÿ¸Ê Ÿ¸¾›¸½¸Ÿ¸Ê’ ’ï½›¸ú ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸ ˜¸¸ ‚¸¾£ ƒ›íÊ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ½Å ¢¨¸¢ž¸››¸ œ¸í¥¸º‚¸Ê ˆÅ¸ 32 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ¨¡¸¸œ¸ˆÅ ‚›¸ºž¸¨¸ œÏ¸œ÷¸ í¾.

œ¸¿¸¸¤¸ ›¸¾©¸›¸¥¸ ¤¸ÿˆÅ Ÿ¸Ê ‚œ¸›¸½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ ªú ˆÅ˜¸»¢£¡¸¸ 2 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ¤¸¸¿Í¸ ˆºÅ¥¸¸Ä ˆÅ¸ÁŸœ¥¸½Æ¬¸ (¤¸úˆ½Å¬¸ú) Ÿ¸º¿¤¸ƒÄ Ÿ¸½¿ ’ｸ£ú œÏž¸¸Š¸ ˆ½Å œÏŸ¸º‰¸ ž¸ú £í½ íÿ. „›í¸Ê›¸½ ˆÅ¸Áœ¸¸½Ä£½’ ǽŢ”’ ‡¨¸¿ ¢›¸¨¸½©¸ œ¸£ š¡¸¸›¸ ™½÷¸½ íº‡ ˆÅ¸Áœ¸¸½Ä£½’ ǽŢ”’, ¢¨¸™½©¸ú ¢¨¸¢›¸Ÿ¸¡¸ ˆÅ¸£¸½¤¸¸£ ‡¨¸¿ ’ｸ£ú ˆÅ¸£¸½¤¸¸£ ˆÅ¸½ ž¸ú ¬¸¿ž¸¸¥¸¸. ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ Ÿ¸½¿ œ¸™ž¸¸£ ¬¸¿ž¸¸¥¸›¸½ ¬¸½ œ¸»¨¸Ä ªú ˆÅ˜¸»¢£¡¸¸ œ¸¿¸¸¤¸ ›¸¾©¸›¸¥¸ ¤¸ÿˆÅ ˆ½Å ‚¸Š¸£¸ ‚¿¸¥¸ ˆ½Å œÏŸ¸º‰¸ £í½, ¸¸½ „ œÏ™½©¸ £¸¡¸ ˆ½Å Ÿ¸š¡¸ ®¸½°¸ ˆÅ¸½ ˆÅ¨¸£ ˆÅ£÷¸¸ í¾.

’ｸ£ú ‡¨¸¿ ˆÅ¸œ¸¸½Ä£½’ ǽŢ”’ ˆ½Å ®¸½°¸ Ÿ¸Ê ªú ˆÅ˜¸»¢£¡¸¸ ˆÅú ¡¸¸½Š¡¸÷¸¸ ‡¨¸¿ ‚›¸ºž¸¨¸ ˆÅ¸½ ™½‰¸÷¸½ íº‡ ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸ (‡Ÿ¸‚¸½‡ûÅ) ›¸½ „›íÊ ž¸¸£÷¸ú¡¸ Ÿ¸¢í¥¸¸ ¤¸ÿˆÅ ˆ½Å Š¸“›¸ ˆÅ¸ ˆÅ¸¡¸Ä ¬¸¸ÿœ¸¸ ˜¸¸, ¢¸¬¸Ÿ¸Ê ¨¸½ ˆÅ¸½£ Ÿ¸¾›¸½¸Ÿ¸Ê’ ’úŸ¸ ˆ½Å ¬¸™¬¡¸ ˜¸½. ƒ¬¸ú œÏˆÅ¸£ ªú ˆÅ˜¸»¢£¡¸¸ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸ (”ú‡ûҬ¸), ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸ (‡Ÿ¸‚¸½‡ûÅ), ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ Š¸¢“÷¸ ¤¸¸¬¸¥¸ III Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ’ú¡¸£-I œ¸œ¸½Ä¸º‚¥¸ ¤¸¸¿”ì¸ ˆÅú ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ ž¸ú ˜¸½. ¢¨¸œ¸µ¸›¸ œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê ®¸Ÿ¸÷¸¸ ˆ½Å ˆÅ¸£µ¸ ªú ˆÅ˜¸»¢£¡¸¸ ›¸½ ‡Ÿ¸¬¸ú‡Æ¬¸-‡¬¸‡Æ¬¸ ˆ½Å ¤¸¸½”Ä ˆ½Å ˆÅ¸¡¸¸½ô ˆ½Å œÏ¤¸¿š¸›¸ í½÷¸º ¬¸½¤¸ú ׸£¸ Š¸¢“÷¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ž¸ú ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅú íÿ.

¨¸½ ¢œÏ¿¢¬¸œ¸¥¸ ’﬒ú ˆ¿Å. œÏ¸. ¢¥¸. ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¢›¸™½©¸ˆÅ, ƒ¿¢”¡¸¸ û¾ÅÆ’¢£¿Š¸ ‡µ” ûŸƒ›¸½›¬¸ ¬¸¸½¥¡¸»©¸›¸ œÏ¸. ¢¥¸. Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ ‚¸¾£ œ¸ú‡›¸¤¸ú ƒ¿©¡¸¸½£Ê¬¸ ¤Ï¸½¢ˆ¿ÅŠ¸ œÏ¸. ¢¥¸. Ÿ¸Ê œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ £í ¸ºˆ½Å íÿ.

6 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

Shri Mihir Kumar Govt. Nominee Director

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¢™¥¥¸ú ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ¬¸½ ‚˜¸Ä©¸¸¬°¸ ‡¨¸¿ ¢¨¸¢š¸ Ÿ¸Ê ¬›¸¸÷¸ˆÅ ªú ¢Ÿ¸¢í£ ˆºÅŸ¸¸£ ›¸½ 1997 Ÿ¸Ê ž¸¸£÷¸ú¡¸ £®¸¸ ¥¸½‰¸¸ ¬¸½¨¸¸ (‚¸ƒÄ”ú‡‡¬¸) ŠÏíµ¸ ˆÅú. ‚œ¸›¸½ 19 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆ½Å ¬¸½¨¸¸ ˆÅ¸¥¸ Ÿ¸Ê ªú ¢Ÿ¸¢í£ ˆºÅŸ¸¸£ ›¸½ ¬¸©¸¬°¸ ¤¸¥¸¸Ê ˆ½Å ž¸ºŠ¸÷¸¸›¸, ¥¸½‰¸¸ œ¸£ú®¸¸ ‡¨¸¿ ¢¨¸î¸ú¡¸ ¬¸¥¸¸í ˆ½Å ‚›¸½ˆÅ „™¸¢¡¸÷¨¸¸Ê ˆÅ¸ ¢›¸¨¸Ä훸 ¢ˆÅ¡¸¸ í¾. ¥¸¸½ˆÅ÷¸¸¦›°¸ˆÅ Š¸µ¸£¸¡¸ ˆÅ¸¿Š¸¸½ Ÿ¸Ê ¬¸¿¡¸ºÆ÷¸ £¸«’ï ©¸¸¿¢÷¸ ¬¸º£®¸¸ ¤¸¥¸ ‡Ÿ¸‚¸½‡›¸¡¸»¬¸ú Ÿ¸Ê ž¸¸£÷¸ú¡¸ ©¸¸¿¢÷¸ ¬¸º£®¸¸ ¢¤ÏŠ¸½” ˆ½Å œ¸í¥¸½ ¢¨¸î¸ ‚¢š¸ˆÅ¸£ú ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸½ ˆÅ¸¡¸Ä£÷¸ £í½. ªú ̂ ºÅŸ¸¸£ ‚¸ƒÄ”ú‡‡¬¸ ‚ˆÅ¸™Ÿ¸ú-£¸«’ïú¡¸ £®¸¸ ¢¨¸î¸ú¡¸ œÏ¤¸¿š¸›¸ ‚ˆÅ¸™Ÿ¸ú (‡›¸‡”ú‡ûŇŸ¸), œ¸ºµ¸½ Ÿ¸Ê ¬¸¿¡¸ºÆ÷¸ ¢›¸™½©¸ˆÅ, œÏ¢©¸®¸µ¸ ˜¸½. ¨¸í £®¸¸, ¢¨¸™½©¸, ÷¸½¥¸ ÷¸˜¸¸ ‚›¡¸ ¬¸ž¸ú ˆÊÅÍú¡¸ ¬¸£ˆÅ¸£ú ‰¸£ú™¸½¿, ¢¸¬¸Ÿ¸Ê ¥¸Š¸ž¸Š¸ ` 50,000 ˆÅ£¸½”õ ˆÅ¸ £®¸¸ ¤¸¸’ ž¸ú ©¸¸¢Ÿ¸¥¸ í¾, ˆ½Å ‚¸¢”’ ‡¨¸¿ ž¸ºŠ¸÷¸¸›¸ ˆÅ¸ ˆÅ¸¡¸Ä ¬¸¿ž¸¸¥¸›¸½ ¨¸¸¥¸½ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆ½Å ¢×÷¸ú¡¸ˆÅ ˆÅŸ¸¸¿”£ £í½. 25 ‚Æ÷¸»¤¸£, 2012 ¬¸½ ¨¸½ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸, ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£ Ÿ¸Ê ¢›¸™½©¸ˆÅ íÿ.

An Economics and Law graduate from Delhi University, Shri Mihir Kumar joined Indian Defence Accounts Service (IDAS) in 1997. In his service career of over nineteen years, Shri Mihir Kumar, has held a number of assignments relating to payment, audit and financial advice of Armed Forces. He was the first Finance Officer of Indian peace keeping Brigade in UN peace keeping force MONUC in Democratic Republic of Congo. Shri Kumar was Joint Director, Training in IDAS Academy-National Academy of Defence Financial Management (NADFM), Pune. He was second in command of the office handling audit and payment of all defence, foreign, oil and other central procurement items involving Defence Budget of about ` 50000 Cr. Since October 25, 2012 he is a Director in the Department of Financial Services, Ministry of Finance, Government of India.

Shri Vinod Kathuria has joined Union Bank of India as an Executive Director on 22nd January, 2016.

Shri Vinod Kathuria is Masters in Commerce from Delhi University and is a Certified Associate of the Indian Institute of Bankers. He joined Punjab National Bank as a Management Trainee in 1983 and has gained vast experience spanning over more than 32 years in various facets of Banking.

During his tenure at Punjab National Bank, Mr Kathuria headed the Treasury Division at Bandra Kurla Complex (BKC), Mumbai for 2 years plus. He has also handled Corporate Credit, Foreign Exchange Business and Treasury with a focus on Corporate Credit & Investment. Before joining Union Bank of India, Shri Kathuria headed the Agra Zone of Punjab National Bank which covers the Central Region of Uttar Pradesh State.

With knowledge and experience gained by Shri Kathuria in the field of Treasury and Corporate Credit, he was entrusted the assignment of formation of Bhartiya Mahila Bank by the Ministry of Finance (MoF) wherein he was member of the Core Management Team. Similarly, Shri Kathuria was also member of the Committee of Tier I Perpetual Bonds under Basel III Norms, the initiative taken by the Department of Financial Services (DFS), Ministry of Finance (MoF), Government of India. Having niche in market operations, Shri Kathuria also served as the member of the committee formed by SEBI overseeing working of the Board of MCX-SX.

He was a Director on the Board of Principal Trustee Co. Pvt. Ltd., a Nominee Director on the Board of India Factoring and Finance Solutions Private Ltd. and Managing Director of PNB Insurance Broking Pvt. Ltd.

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As a career central banker, Shri Anil Kumar Misra, a Chief General Manager with the Reserve Bank of India (RBI), Central Office, Mumbai, has over three decades of cross-functional financial-sector experience, with significant exposure to regulation and supervision of the Indian banking and non-banking credit intermediaries, an area where he spent over a decade.

His international experience includes four-and-a-half years’ secondment from the RBI to the Financial Stability Board (FSB), which is the financial regulatory arm of the G20 and is hosted by the Bank for International Settlements, Basel, Switzerland. As a Member of Secretariat of the FSB and given the unique G20-mandated role of the FSB in coordinating the work of the international standard setters for promoting global financial stability, he gained rich exposure to a range of global systemic issues and the evolution of various cross-sectoral international financial standards to address them. He was closely involved in disseminating the major G20-endorsed global initiatives for financial sector reforms through the FSB’s outreach strategy via its world-wide six Regional Consultative Groups, comprising over 65 countries (apart from the 24 member countries of the FSB) including many emerging market and developing economies. He also made critical contribution to evolving and implementing the G20-mandated governance reforms of the FSB, which led to structural changes in the FSB.

He holds Master’s degrees in Business Management (Banaras Hindu University) and in Public Administration (Harvard University, USA).

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Shri Anil Kumar MisraRBI Nominee Director

8 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

Shri Jag Mohan Sharma C. A. Director

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Shri Jag Mohan Sharma from New Delhi aged 66 years has done B.Com (Hons) from Delhi University and is a practicing Chartered Accountant with more than 36 years of experience and has exclusively worked for the Public Sector Banks. In the long span of 36 years he has conducted various kinds of audits of the Bank’s Branches like regular Internal Inspection, Concurrent audit, Statutory audit and having conducted stock audit, valuation of primary securities, due diligence and monitoring of large corporate domestic borrowers on behalf of Public Sector Banks. He was also appointed as concurrent auditor of large corporate borrowers under the CDR mechanism by the Monitoring Institution, Punjab National Bank under CDR cell of RBI. Shri Sharma has a deep commitment for the welfare of the rural people and the down trodden. In this regard he has formulated and implemented a scheme under the name of PNB Farmer Welfare Trust under which requirement of comprehensive insurance policy was waived for all the tractors financed by the Punjab National Bank and money saved from this has been utilized in setting off the training centers in various parts of the country. It also aimed at improvement of farming technology, adult education, computer education for the wards of the farmers, provision of sewing machines to the female members of the farmer’s families and remained statutory auditor for five years since its inception. Besides above he has created Punjab National Bank Employees Welfare Trust for the welfare of existing as well as retired employees under the Corporate Social responsibility. He has also created Punjab National Bank Centenary Welfare Trust for the purpose of the welfare of the members of Punjab National Bank without there being any profit motive and/or benefits to any particular religious community or caste. He has widely travelled in India and abroad.

¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016 9

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Dr. K. Ramesha, after serving the Department of Post Graduate Studies and Research

in Economics, University of Mysore as a Lecturer for 4 years, joined Kerala Agricultural

University as an Assistant Professor in 1986. Subsequently, he worked for National

Institute of Rural Banking as a member of faculty. He joined National Institute of Bank

Management in 1996. As a Professor at NIBM, Dr. Ramesha is engaged in post graduate

teaching, corporate training and research/consulting activities. Apart from guiding Ph.D,

Dr. K. Ramesha Part time Non-Official Director

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¥¸‰¸›¸… ¢›¸¨¸¸¬¸ú 64 ¨¸«¸úÄ¡¸ ªú ¥¸¸“ ¥¸‰¸›¸… ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ¬¸½ Š¸¸½¥” Ÿ¸½”¥¸ ¬¸¢í÷¸ ¨¸¸¢µ¸¡¸ Ÿ¸½¿ ¬›¸¸÷¸ˆÅ íÿ ÷¸˜¸¸ „›íÊ 36 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ¸¸’Ä”Ä ‡ˆÅ¸„¿’Ê’ ˆÅú œÏ¾¦Æ’¬¸ ˆÅ£›¸½ ˆÅ¸ ‚›¸ºž¸¨¸ í¾. ¨¸½ 29 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ¬¸½ Ÿ¸½¬¸¬¸Ä ‡.¬¸¸™½¨¸ ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„¿’Ê’¬¸, ¥¸‰¸›¸… ˆ½Å ¨¸¢£«“ œÏ¤¸¿š¸ ž¸¸Š¸ú™¸£ íÿ. ªú ¥¸¸“ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ `œ¸ú‚£ ¢£¨¡¸»¨¸£' ˆ½Å œ¸¾›¸¥¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ íÿ ÷¸˜¸¸ ¢œ¸Ž¥¸½ ˆºÅŽ ¨¸«¸¸½ô Ÿ¸Ê „›í¸Ê›¸½ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚›¸º³Åœ¸ ¢¨¸¢ž¸››¸ ¬¸ú‡ ûÅŸ¸¸½ô ˆÅú ¬¸Ÿ¸ˆÅ®¸ ¬¸Ÿ¸ú®¸¸ ˆÅú í¾. ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¨¡¸¸œ¸ˆÅ ‚›¸ºž¸¨¸ ˆ½Å ‚¢÷¸¢£Æ÷¸, „›í¸Ê›¸½ ¢›¸¸ú ‡¨¸¿ ¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ ˆ½Å ˆÅƒÄ ¢›¸Š¸Ÿ¸¸Ê, ¤¸úŸ¸¸ ˆ¿Åœ¸¢›¸¡¸¸Ê, ¬˜¸¸›¸ú¡¸ ¢›¸ˆÅ¸¡¸¸Ê, ˆÊÅÍú¡¸ ¬¸íˆÅ¸£ú ¬¸¢Ÿ¸¢÷¸¡¸¸Ê, ¬¸£ˆÅ¸£ú ¢¨¸ž¸¸Š¸¸Ê ‡¨¸¿ ¢¨¸æ¸ ¤¸ÿˆÅ ׸£¸ ¬¸í¸¡¸÷¸¸ œÏ¸œ÷¸ ˆÅƒÄ œ¸¢£¡¸¸½¸›¸¸‚¸Ê ˆÅú ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ‡¨¸¿ ‚›¡¸ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾. ªú ¥¸¸“ `ªŸ¸ ‡¨¸¿ £¸½¸Š¸¸£ Ÿ¸¿°¸¸¥¸¡¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£' ׸£¸ ›¸¸¢Ÿ¸÷¸ `¬˜¸¸¡¸ú ¢°¸œ¸®¸ú¡¸ ¬¸¢Ÿ¸¢÷¸' ÷¸˜¸¸ ›¡¸»›¸÷¸Ÿ¸ Ÿ¸¸™»£ú œ¸£¸Ÿ¸©¸Ä™¸°¸ú ¤¸¸½”Ä' ˆ½Å ž¸ú ¬¸™¬¡¸ ˜¸½. „›íÊ „ œÏ™½©¸ ¬¸£ˆÅ¸£ ׸£¸ `„.œÏ. Ÿ¸Ê ¢›¸¸ú ƒ¿¸ú¢›¸¡¸¢£¿Š¸ ˆÅ¸¥¸½¸¸Ê Ÿ¸Ê ûÅú¬¸ ¢›¸š¸¸Ä£µ¸' ˆ½Å ¢¥¸‡ Š¸¢“÷¸ „¸¸¢š¸ˆÅ¸£ œÏ¸œ÷¸ ¬¸¢Ÿ¸¢÷¸ Ÿ¸Ê ž¸ú ›¸¸¢Ÿ¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.

Shri Lath from Lucknow aged 64 years is a commerce graduate with gold medal from Lucknow University and is a practicing Chartered Accountant with more than 36 years of experience. He is a senior managing partner of M/s. A. Sachdev & Co., Chartered Accountants, Lucknow since more than 29 years. Shri Lath is in the panel of “Peer Reviewers” nominated by the ICAI and has also conducted peer reviews of various CA firms in accordance with the ICAI regulations in the last few years. Apart from vast experience of audits of banking industry, he has also handled various types of audit and other assignments of many private and public sector corporations, insurance companies, local bodies, central cooperative societies, government departments and several World Bank aided projects. Shri Lath was also a member of the “Standing Tripartite Committee” and also the member of “Minimum Wages Advisory Board” nominated by the “Ministry of Labour and Employment, Government of India”. He was also nominated by the Government of UP in the High Powered Committee constituted for “fixation of fees of private engineering colleges in U.P.”

Shri Gopal Krishan Lath Shareholder Director

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10 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

Dr. Uttam Kumar Sarkar Shareholder Director

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Dr. Ravindrarai Harshadrai DholakiaShareholder Director

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63 ¨¸«¸úÄ¡¸ ‚ퟸ™¸¤¸¸™ ¢›¸¨¸¸¬¸ú ”¸Á ¸½¥¸¢ˆÅ¡¸¸ ‚¸ƒÄ‚¸ƒÄ‡Ÿ¸ ‚ퟸ™¸¤¸¸™ Ÿ¸Ê ‚˜¸Ä©¸¸¬°¸ ‡¨¸¿ œ¸¦¤¥¸ˆÅ ¢¬¸¬’Ÿ¸ ˆ½Å œÏ¸½û½Å¬¸£ íÿ ‚¸¾£ „›íÊ 37 ¨¸«¸¸½ô ˆÅ¸ ‚›¸ºž¸¨¸ í¾. ¨¸½ Ÿ¸¸¬’£ ‚¸ÁûÅ ‚¸’ì¸Ä (Š¸¸½¥” Ÿ¸½”¢¥¸¬’), œ¸ú‡¸”ú ‚˜¸Ä©¸¸¬°¸ (‡Ÿ¸‡¬¸¡¸», ¤¸”õ¸¾™¸) ÷¸˜¸¸ œ¸¸½¬’ ”¸ÁÆ’¸½£¥¸ ûö½Å¥¸¸½ (¡¸»¢›¸¨¸¢¬¸Ä’ú ‚¸ÁûÅ ’¸½£¿’¸½) íÿ. ¨¸½ ‡¡¸£ ƒ¿¢”¡¸¸, ‚™¸›¸ú ƒ¿’£œÏ¸ƒ¸½{¸ ¢¥¸¢Ÿ¸’½” ÷¸˜¸¸ Š¸º¸£¸÷¸ ¬’½’ œ¸½’︽¢¥¸¡¸Ÿ¸ ˆÅ¸œ¸¸½Ä£½©¸›¸ ¢¥¸¢Ÿ¸’½” ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸µ”¥¸ Ÿ¸Ê ¢›¸™½©¸ˆÅ íÿ. ¨¸½ Ž“½ ˆÊÅÍú¡¸ ¨¸½÷¸›¸ ‚¸¡¸¸½Š¸ ˆ½Å ¬¸™¬¡¸ ˜¸½ ÷¸˜¸¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ‡¨¸¿ Š¸º¸£¸÷¸ £¸¡¸ ¬¸£ˆÅ¸£ ׸£¸ ¢›¸¡¸ºÆ÷¸ ¢¨¸¢ž¸››¸ „¸¸¢š¸ˆÅ¸£ œÏ¸œ÷¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê Ÿ¸Ê „›í¸Ê›¸½ ¢¨¸©¸½«¸±¸ ¬¸™¬¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾. „›í¸Ê›¸½ ‚¸¢˜¸ÄˆÅ ¢¨¸ˆÅ¸¬¸ ‡¨¸¿ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ®¸½°¸ Ÿ¸Ê ‚›¸½ˆÅ œ¸º¬÷¸ˆÊÅ, ¢¨¸¢›¸¤¸¿š¸ ‡¨¸¿ ©¸¸½š¸ œ¸°¸ œÏˆÅ¸¢©¸÷¸ ¢ˆÅ¡¸½ íÿ.

Dr. Dholakia from Ahmedabad aged 63 years is a Professor of Economics and Public Systems in IIM Ahmedabad and has 37 years of experience. He is Master of Arts (Gold Medalist), Ph. D. in Economics (MSU, Baroda) and Post-Doctoral Fellow (Univ. of Toronto). He is a Director on the Boards of Air India, Adani Enterprises Limited and Gujarat State Petroleum Corporation Limited. He was a Member of the Sixth Central Pay Commission and has worked as an expert Member on numerous High Powered Committees appointed by the Government of India and State Government of Gujarat. He has published several books, monographs and research papers in the field of economic development and policies.

students of University of Pune in the area of banking and finance, Dr. Ramesha has

published several research papers in professional journals and reputed magazines

mainly in the areas of general banking, SME finance, micro credit /SHGs, co-operative

banking and retail finance. Dr. Ramesha has served as Dean – Education in the past and

currently serving as Dean – Research at NIBM. He has designed and organised several

top/senior level training programmes, workshops and seminars for bankers. He has also

participated and coordinated several research/consultancy assignments before and after

joining NIBM. Currently, Dr. Ramesha is also serving on the Board of Southern Indian

Banks Staff Training College.

”¸Á. „¸ ˆºÅŸ¸¸£ ¬¸£ˆÅ¸£ ›¸½ ‚¸ƒÄ‚¸ƒÄ’ú ‰¸”õŠ¸œ¸º£ ¬¸½ ˆ¿Åœ¡¸»’£ ¬¸¸ƒ¿¬¸ ‡¨¸¿ ƒ¿¸ú¢›¸¡¸¢£¿Š¸ Ÿ¸Ê ‚œ¸›¸ú ¤¸ú.’½ˆÅ, ‡Ÿ¸.’½ˆÅ ÷¸˜¸¸ œ¸ú‡¸”ú ̂ Åú „œ¸¸¢š¸ œÏ¸œ÷¸ ̂ Åú. ‡ˆÅ ¤¸íº£¸«’ïú¡¸ ¢”¸¸ƒ›¸ ‚¸’¸½Ÿ¸½©¸›¸ ̂ ¿Åœ¸›¸ú Ÿ¸Ê „¸ œ¸™ œ¸£ £í›¸½ ÷¸˜¸¸ ‚¸ƒÄ‚¸ƒÄ’ú ¢™¥¥¸ú Ÿ¸Ê ¬¸í¸¡¸ˆÅ œÏ¸½û½Å¬¸£ ˆ½Å ²Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆ½Å „œ¸£¸¿÷¸ ¨¸«¸Ä 1997 ¬¸½ ¨¸½ ‚¸ƒÄ‚¸ƒÄ‡Ÿ¸ ˆÅ¥¸ˆÅ Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ íÿ, ¸í¸¿ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ¨¸½ Ÿ¸¾›¸½¸Ÿ¸Ê’ ƒ›¸ûŸ£Ÿ¸Ê©¸›¸ ¢¬¸¬’Ÿ¸ ŠÏºœ¸ Ÿ¸Ê œÏ¸½û½Å¬¸£ ÷¸˜¸¸ ›¡¸» ƒ¢›¸¢©¸‡¢’¨¬¸ ‡µ” ‡Æ¬’›¸Ä¥¸ ¢£¥¸½©¸¿¬¸ ˆ½Å ”ú›¸ ž¸ú íÿ. „›í¸Ê›¸½ 4 ¨¸«¸Ä ÷¸ˆÅ É¥¸¸½¢£”¸, ¡¸»‡¬¸‡ ˆÅú ‡ˆÅ ¡¸»¢›¸¨¸¢¬¸Ä’ú Ÿ¸Ê ¢¨¸¢¸¢’¿Š¸ û¾ÅˆÅ¥’ú ˆ½Å ²Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾. „›¸ˆÅú Ÿ¸»¥¸ ‚š¡¸¸œ¸›¸ ³Å¢¸¡¸¸Ê Ÿ¸Ê ”¸’¸ Ÿ¸¸ƒ¢›¸¿Š¸ ÷¸˜¸¸ ¢¤¸¸›¸½¬¸ ‡›¸¸¢¥¸¢’Ƭ¸ ©¸¸¢Ÿ¸¥¸ íÿ. „›¸ˆ½Å ©¸¸½š¸ œ¸°¸ ˆÅƒÄ œÏŸ¸º‰¸ ‚¿÷¸£¸Ä«’ïú¡¸ ¸£›¸¥¸¸Ê Ÿ¸Ê œÏˆÅ¸¢©¸÷¸ íº‡ íÿ. „›í¸Ê›¸½ ¢©¸®¸¸, ‰¸¸Ô¸ œÏ¬¸¿¬ˆÅ£µ¸, ˆ¼Å¢«¸ ÷¸˜¸¸ ‚¸’¸½Ÿ¸½©¸›¸ ˆ½Å ®¸½°¸ Ÿ¸Ê ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆ½Å ˆÅƒÄ œ¸£¸Ÿ¸©¸úÄ „™¸¢¡¸÷¨¸¸Ê ˆÅ¸ ¢›¸¨¸Ä훸 ¢ˆÅ¡¸¸ í¾.

Dr. Uttam Kumar Sarkar did his B.Tech, M.Tech, and Ph.D in the department of Computer Science and Engineering of IIT Kharagpur. Having served a Design Automation multinational industry in a senior position and IIT Delhi as an Assistant Professor he is with IIM Calcutta since 1997 where he is presently a Professor in Management Information System Group and also the Dean of New Initiatives and External Relations. He had spent four years as a visiting faculty in a University in Florida, USA. His primary teaching interests include data mining and business analytics. His research publications appeared in major international journals and he carried consulting assignments for the Government of India in areas including education, food processing, agriculture, and automation.

1 ªú ‡¸ ˆ½Å ¤¸½í½£¸ Shri H K Behera2 ªú œ¸¿ˆÅ¸ ©¸Ÿ¸¸Ä Shri Pankaj Sharma3 ªú ™½¤¸¡¸¸½¢÷¸ Š¸ºœ÷¸¸ Shri Debajyoti Gupta4 ªúŸ¸÷¸ú £½‰¸¸ œ¸ú ›¸¸¡¸ˆÅ Smt Rekha P Nayak5 ªú ˆ½Å ¸¿Í©¸½‰¸£ Shri K Chandrashekar6 ªú ‡¬¸ ˆ½Å ¢¬¸¿í Shri S K Singh7 ªú ‚¸£ ˆ½Å ¸¸¾š¸£ú Shri R K Choudhary8 ªú ¸ú ‚¸£ œ¸¸”¥¸ˆÅ£ Shri G R Padalkar9 ªú ‡¥¸ ”ú £½¨¸÷¸ˆÅ£ Shri L D Rewatkar10 ªú ‡¬¸ ˆ½Å Š¸ºœ÷¸¸ Shri S K Gupta11 ªúŸ¸÷¸ú í½Ÿ¸¥¸÷¸¸ £¸¸›¸ Smt Hemalatha Rajan12 ªú ‡ ˆ½Å ™ú¢®¸÷¸ Shri A K Dixit13 ªú ”ú ”ú ¢Ÿ¸¬°¸ú Shri D D Mistry14 ªú ‡ ˆ½Å ¢Ÿ¸î¸¥¸ Shri A K Mittal15 ªú ‡¬¸ ˆ½Å ¸¾›¸ Shir S K Jain16 ªú ¸ú ‡¬¸ £¸¨¸÷¸ Shri G S Rawat17 ªú œ¸ú ¬¸ú œ¸¸¢µ¸ŠÏíú Shri P C Panigrahi18 ªú ‚¸£ ˆ¿Å”¸¬¸¸Ÿ¸ú Shri R Kandasamy19 ªú ‡ ˆ½Å ¸¾›¸ Shri A K Jain20 ªú ‡¬¸ ˆ½Å œ¸£ú”¸ Shri S K Parida21 ªú ¬¸¿¸¡¸ ©¸Ÿ¸¸Ä Shri Sanjay Sharma22 ªú ¨¸ú ¨¸ú ©¸½›¸¸¡¸ Shri V V Shenoy23 ªú ‚¸£ ‚¸£ Ÿ¸¸½í¿÷¸ú Shri R R Mohanty24 ªú ¨¸ú ‡¸ ˆÅ¸Ÿ¸÷¸ Shri V H Kamath25 ªú ‡¸ ‡›¸ ¬¸Æ¬¸½›¸¸ Shri H N Saxena26 ªúŸ¸÷¸ú Ÿ¸¸½¢›¸ˆÅ¸ ˆÅ¸¢¥¸¡¸¸ Smt Monika Kalia27 ªú œ¸ú ‚¸£ £¸¸Š¸¸½œ¸¸¥¸ Shri P R Rajagopal28 ªú ¨¸ú œ¸ú „¬¸¸¢£¡¸¸ Shri V P Usharia29 ªú ‚÷¸º¥¸ ˆºÅŸ¸¸£ Shri Atul Kumar

Ÿ¸í¸ œÏ¤¸¿š¸ˆÅ - GENERAL MANAGER

¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016 11

¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

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12

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Š¸¾£¤¡¸¸¸‚¸¡¸3.09%ˆÅú¨¸¼¢Öˆ½Å¬¸¸˜¸` 3,523ˆÅ£¸½”õ¬¸½¤¸õˆÅ£` 3,632ˆÅ£¸½”õíºƒÄ.

ˆÅ¸½£©¸º¥ˆÅ‚¸¡¸` 1,872ˆÅ£¸½”õ¬¸½¤¸õˆÅ£` 1,879ˆÅ£¸½”õíºƒÄ.

31Ÿ¸¸¸Ä2016ˆÅ¸½¤¸¸¬¸¥¸-IIIˆ½Å‚¿÷¸Š¸Ä÷¸œ¸»¿¸úœ¸¡¸¸Äœ÷¸÷¸¸‚›¸ºœ¸¸÷¸(¬¸ú‚¸£‡‚¸£)9.00%ˆÅú¢›¸¡¸¸Ÿ¸ˆÅ‚œ¸½®¸¸‚¸Êˆ½Å¬¸¸œ¸½®¸10.56%£í¸.¬¸¸Ÿ¸¸›¡¸ƒ¦Æ¨¸’ú¢’¡¸£-1‚›¸ºœ¸¸÷¸7.95%£í¸.

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14 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

Highlights for FY 2015-16

Total Business of ` 6,20,445 crore as on March 31, 2016, an increase of 7.04%.

Total Deposits of ` 3,42,720 crore as on March 31, 2016, an increase of 8.16%.

Gross Advances of ` 2,77,725 crore as on March 31, 2016, an increase of 5.70%.

Share of CASA deposit in total deposits improved to 32.35% as on March 31, 2016 from 29.24% as of March 31, 2015.

In Advances as of March 31, 2016, RAM sector (Retail, Agriculture & MSME) increased by 10.97% and contributes more than 52% of domestic loan book.

Non Interest Income increased by 3.09% from ` 3,523 crore to ` 3,632 crore.

Core Fee Income increased from ` 1,872 crore to ` 1,879 crore.

Capital Adequacy Ratio (CRAR) under Basel III stood at 10.56% as on March 31, 2016 against the minimum regulatory requirement of 9.00%. Common equity tier 1 ratio stood at 7.95%.

Proposed dividend at 19.50%

Pan India presence- Network of 4200 (including 4 overseas branches) and 6883 ATMs as on March 31, 2016.

15¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

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1 ¤¡¸¸¸‚¸¡¸/‚¸¾¬¸÷¸ˆÅ¸¡¸Ä©¸ú¥¸¢›¸¢š¸¡¸¸¿(‡”¤¥¡¸»‡ûÅ)

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2 ¤¡¸¸¸¨¡¸¡¸/‡”¤¥¡¸»‡ûÅ 5.03 5.76 5.96 5.51 5.19 6.33 6.43 6.55 6.54 6.21

3 ¤¡¸¸¸¬œÏ½”/‡”¤¥¡¸»‡ûÅ 3.05 2.59 2.82 2.53 3.14 3.02 2.76 2.40 2.34 2.16

4 Š¸¾£-¤¡¸¸¸‚¸¡¸/‡”¤¥¡¸»‡ûÅ 0.75 1.20 1.09 1.19 1.03 1.09 0.93 0.86 0.97 0.94

5 œ¸¢£¸¸¥¸›¸¨¡¸¡¸/‡”¤¥¡¸»‡ûÅ 1.61 1.44 1.63 1.52 2.00 1.77 1.65 1.67 1.70 1.62

6 ¥¸¸Š¸÷¸‚¸¡¸‚›¸ºœ¸¸÷¸ 42.45 38.17 41.81 40.66 47.85 43.15 44.70 51.24 51.34 52.10

7 ¬¸ˆÅ¥¸(œ¸¢£.)¥¸¸ž¸/‡”¤¥¡¸»‡ûÅ 2.19 2.34 2.28 2.21 2.18 2.34 2.04 1.59 1.61 1.49

8 ›¸½’¨¸˜¸Äœ¸£œÏ¢÷¸¥¸¸ž¸ 17.88 24.70 24.79 23.69 18.63 13.67 13.68 9.99 9.73 6.84

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11 ‚¢ŠÏŸ¸¸Êœ¸£œÏ¢÷¸ûÅ¥¸ 8.98 10.12 11.06 9.94 9.86 11.22 11.05 10.53 10.42 9.63

12 ¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅú¥¸¸Š¸÷¸ 5.23 6.19 6.50 5.94 5.53 6.93 7.38 7.37 7.31 7.00

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81.49 78.44 76.75 80.75 84.08 86.51 87.63 90.36 93.51 88.91

16 œ¸»¿¸úœ¸¡¸¸Äœ÷¸÷¸¸‚›¸ºœ¸¸÷¸(¤¸¸¬¸¥¸II) 12.80 12.51 13.27 12.51 12.95 11.85 11.45 11.89 10.74 11.14

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17 œ¸»¿¸úœ¸¡¸¸Äœ÷¸÷¸¸‚›¸ºœ¸¸÷¸(¤¸¸¬¸¥¸III) - - - - - - - 10.80 10.22 10.56

¢’¡¸£-— - - - - - - - 7.54 7.50 8.14

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16 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2015-2016

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1 ˆÅŸ¸Ä¸¸£ú(¬¸¿‰¡¸¸) 25969 25722 27510 27772 27746 30838 31798 33806 35514 354732 ©¸¸‰¸¸‡¿¿(¬¸¿‰¡¸¸) 2206 2361 2558 2805 3016 3201 3511 3871 4081 42003 œÏ¢÷¸ˆÅŸ¸Ä¸¸£úˆÅ¸£¸½¤¸¸£

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4 œÏ¢÷¸ˆÅŸ¸Ä¸¸£ú¬¸ˆÅ¥¸¥¸¸ž¸(`¥¸¸‰¸Ÿ¸Ê)

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5 œÏ¢÷¸ˆÅŸ¸Ä¸¸£ú©¸ºÖ¥¸¸ž¸ (` ¥¸¸‰¸Ÿ¸Ê)

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6 œÏ¢÷¸©¸¸‰¸¸ˆÅ¸£¸½¤¸¸£ (` ˆÅ£¸½”õŸ¸Ê)*

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8 œÏ¢÷¸©¸¸‰¸¸©¸ºÖ¥¸¸ž¸ (` ˆÅ£¸½”õŸ¸Ê)

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9 œÏ¢÷¸©¸½¡¸£‚¸¡¸(`Ÿ¸Ê) 16.74 27.46 34.18 41.08 39.71 34.07 38.93 27.99 28.05 20.4210 œÏ¢÷¸©¸½¡¸£¤¸íúŸ¸»¥¡¸(`Ÿ¸Ê) 93.60 111.19 137.87 173.38 213.17 237.48 264.37 269.37 288.01 287.51

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