¨Áåaq£À ªÀåªÀ¸ÁÜ¥À£Á ¸À«Äw ~¢h$ à~§yz g{ {v · 2016-06-08 · k. s....
TRANSCRIPT
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¨ÁåAQ£À ªÀåªÀ¸ÁÜ¥À£Á ¸À«Äw ~¢H$ à~§YZ g{_{V Bank’s Management Committee*
±ÀgÀzï ±ÀªÀiÁð ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀÄ
eaX e_m© à~§Y {ZXoeH$
Sharad Sharma Managing Director
JA. ¦. ²æÃzsÀgÀ£ï ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (mÉædj) ªÀÄvÀÄÛ ªÀÄÄRå ºÀtPÁ¸ÀÄ C¢üPÁj
E_. nr. lrYaZ _hm à~§YH$ (Q´>oOar) Ed§ _w.{d.A.
M. P. Sridharan General Manager (Try) & CFO
JA. J. ¸ÀªÀÄzï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (L&J ªÀÄvÀÄÛ ¹¹J¸ïr & ¹¹)
E_. E. g_X _hm à~§YH$ ({Z.& bo.n. Ed§ grgrEgS>r & grgr)
M. A. Samad General Manager (I&A and CCSD & CC)
¸Àfêï PÀȵÀÚ£ï ªÀÄÄRå ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (jÃmÉÊ¯ï ¨ÁåAQAUï)
gOrd H¥$îUZ _w»` _hm à~§YH$ (arQ>ob ~¢qH$J)Sajeev Krishnan
Chief General Manager (RB)
n. PÉñÀªï PÀĪÀiÁgï ªÀÄÄRå ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (ªÁtÂdå ¨ÁåAQAUï)
Q>r. Ho$ed Hw$_ma _w»` _hm à~§YH$ (dm{UpÁ`H$ ~¢{H$§J)
T. Keshav Kumar Chief General Manager (CB)
eÁeïð JA. PÀÄjAiÀÄ£ï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (ªÀiÁ.vÀA., £ÀÆ.ªÀå. & À̧.ªÀå.)
OmoO© E_. Hw$[a`Z _hm à~§YH$ (gy.àm¡., Z.H$m. Ed§ g.bo.)George M. Kurian
General Manager (IT, NB & GB)
¹. ¦. Q±ÉÆÃgï ¨Á§Ä ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (M.D.¤.vÀAqÀ)
gr. nr. {H$emoa ~m~w _hm à~§YH$ (V.J«.Am.à.g.)C. P. Kishor Babu
General Manager (SAMG)
PÉ. J¸ï. ¸ÀħâgÁªÀÄ£ï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (PÁ¥ÉÆÃðgÉÃmï ¨ÁåAQAUï)
Ho$. Eg. gwã~am_Z _hm à~§YH$ (H$mnm}aoQ> ZoQ>dH©$)K. S. Subbaraman General Manager (CNW)
C±ÉÆÃPï PÉ. ¥ÀæzsÁ£ï ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (DgïJ£ïqÀ§Äèöå3)
AemoH$ Ho$. àYmZ _hm à~§YH$ (arQ>ob ZoQ>dH©$ 3)Ashok K. Pradhan
General Manager (RNW 3)
JA. Dgï. dAiÉÄñÀ ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (ªÉÊ.¨Áå., ¹J¸ï & ©¦Dgï)
E_. Ama. O`oem _hm à~§YH$ (d¡`{º$H$ ~¢qH$J, grEg & ì`.à.nw.)
M. R. Jayesha General Manager (PSB, CS & BPR)
C¤¯ï «ÄvÀÛ¯ï ªÀÄÄRå eÁUÀÈvÀ C¢üPÁj
A{Zb {_Îmb _w»` gVH©$Vm A{YH$marAnil Mittal
Chief Vigilance Officer
J. J£ï. PÀȵÀÚ£ï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (ªÀiÁ. À̧A.& ¸Á.D.)
E. EZ. H¥$îUZ _hm à~§YH$ (_m.g§.Ed§ gm.à.)A. N. Krishnan
General Manager (HR & GA)
J¸ï. ªÉAPÀmÉñÀéégÀ®Ä ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (jmÉÃ¯ï £ÉmïªÀPïð 2)
Eg. d|H$Q>oídabw _hm à~§YH$ (arQ>ob ZoQ>dH©$ 2)S. Venkateswarlu
General Manager (RNW 2)
¸ÀÄgÉñï J¸ï. ¸ÁªÉÃPÀgï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (jmÉÃ¯ï £ÉmïªÀPïð 1)
gwaoe Eg. gmdoH$a _hm à~§YH$ (arQ>ob ZoQ>dH©$ 1)Suresh S. Savekar
General Manager (RNW 1)
*As o
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3-2
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(Associate of the State Bank of India)
Head Office Bangalore-560 009
N O T I C E
The 56th Annual General Meeting of the Shareholders of the State Bank
of Mysore will be held at the Dr.B.R. Ambedkar Bhavan, Millers Road,
Vasanth Nagar, Bengaluru - 560 052 on Tuesday, 31st May 2016 at
11.30 a.m. for transacting the following business:
“To discuss and adopt the Report of the Board of Directors, the Balance
Sheet and Profit & Loss Account of the Bank made up to the 31st March
2016 and the Auditors Report on the Balance Sheet and Accounts”.
Place : Bangalore Sharad Sharma
Date : 26.04.2016 Managing Director
STATE BANK OF MYSORE
ñQ>oQ> ~¢H$ Am°\$ _¡gya(^maVr` ñQ>oQ> ~¢H$ H$m gh`moJr)àYmZ H$m`m©b`, ~|Jbya-560 009
gyMZmñQ>oQ> ~¢H$ Am°\$ _¡gya Ho$ eo`aYmaH$m| H$s 56 dt dm{f©H _hmg^m, S>m°. ~r. Ama. Aå~oS>H$a ^dZ {_„g© _mJ©, dg§V ZJa, ~|Jbya -560 052 _| _§Jbdma, {XZm§H$ 31 _B© 2016 H$mo nydm©• 11.30 ~Oo {ZåZm§{H$V H$mamo~ma MbmZo hoVw g§nÞ hmoJr:
"31 _mM© 2016 H$mo g_má Ad{Y VH$ H$s {ZXoeH$ _§S>b H$s [anmoQ>©, ~¢H$ H$m VwbZ-nÌ Am¡a bm^-hm{Z boIm VWm VwbZ nÌ d boIm| na boIm narjH$m| H$s [anmoQ>© na MMm© H$aZo Am¡a ñdrH$maZo hoVw &"
ñWmZ : ~|Jbya eaX e_m©{XZm§H$ : 26.04.2016 à~§Y {ZXoeH$
¸ÉÖÃmï ¨ÁåAPï D¥sï ªÉÄʸÀÆgÀÄ (¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAQ£À ¸ÀºÀªÀwð) ¥ÀæzsÁ£À PÀbÉÃj, ¨ÉAUÀ¼ÀÆgÀÄ-560 009
¸ÀÆZÀ£É¸ÉÖÃmï ¨ÁåAPï D¥sï ªÉÄʸÀÆj£À µÉÃgÀÄzÁgÀgÀ 56£Éà ªÁ¶ðPÀ ªÀĺÁ¸À¨sÉAiÀÄÄ, ¢£ÁAPÀ 31£Éà ªÉÄà 2016 gÀAzÀÄ, ªÀÄAUÀ¼ÀªÁgÀ ¥ÀǪÁðºÀß 11.30 UÀAmÉUÉ qÁ. ©.Dgï. CA¨ÉÃqÀÌgï ¨sÀªÀ£À, «Ä®ègïì gÀ¸ÉÛ, ªÀ¸ÀAvÀ£ÀUÀgÀ, ¨ÉAUÀ¼ÀÆgÀÄ-560052 E°è PɼÀUÉ PÁt¹zÀ PÁAiÀÄðPÀ¯Á¥ÀPÁÌV £ÀqÉAiÀÄ°zÉ :
"31£Éà ªÀiÁZïð 2016gÀªÀgÉV£À ¨ÁåAQ£À ¤zÉðñÀPÀ ªÀÄAqÀ½AiÀÄ ªÀgÀ¢, ¹Üw «ªÀgÀt ¥ÀnÖ, ¯Á¨sÀ-£ÀµÀÖ vÀBSÉÛ ºÁUÀÆ ¹Üw «ªÀgÀt ¥ÀnÖ ªÀÄvÀÄÛ ¯ÉPÀÌUÀ¼À ªÉÄð£À ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀ ªÀgÀ¢AiÀÄ£ÀÄß ZÀað¹, CAVÃPÀj¸ÀĪÀÅzÀÄ."
¸ÀܼÀ : ¨ÉAUÀ¼ÀÆgÀÄ ±ÀgÀzï ±ÀªÀiÁð¢£ÁAPÀ : 26.04.2016 ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉðñÀPÀgÀÄ
«µÀAiÀÄ ¸ÀÆa
¸ÀÆZÀ£É 1
¤zÉðñÀPÀ ªÀÄAqÀ½AiÀÄ ªÀgÀ¢ 5-78
¹Üw «ªÀgÀt ¥ÀnÖ ªÀÄvÀÄÛ ¯Á¨sÀ-£ÀµÀÖ vÀBSÉÛ 79-95
¯ÉPÀÌ¥ÀvÀæ PÁAiÀÄð¤ÃwUÀ¼ÀÄ 96-114
¯ÉPÀÌ¥ÀvÀæzÀ ªÉÄð£À n¥Ààt 115-163
J¸ï.©.L.UÉ ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀ ªÀgÀ¢ 164-167
£ÀUÀzÀÄ ºÀjªÀÅ «ªÀgÀuÉ 168-172
¨Á¸À¯ï-III «ªÀgÀuÉUÀ¼ÀÄ 173-203
CONTENTS
Notice 1
Report of the Board
of Directors 5-78
Balance Sheet and
Profit & Loss A/c. 79-95
Accounting Policies 96-114
Notes Forming part
of the Accounts 115-163
Auditors Report to SBI 164-167
Cashflow Statement 168-172
Basel-III Disclosures 173-203
{df` gyMr
gyMZm 1
{ZXoeH$ _§S>b H$s [anmoQ>© 5-78
VwbZ nÌ Am¡a bm^-hm{Z boIm 79-95
boImH$Z Zr{V 96-114
boIm| H$m {hñgm ~ZZodmbm ZmoQ> 115-163
Eg~rAmB© H$mo boIm narjH$m| H$s [anmoQ>© 164-167
ZH$X àdmh {ddaUr 168-172
~mgb-III àH$Q>rH$aU 173-203
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¤zÉÃð±ÀPÀ ªÀÄAqÀ½ {ZXoeH$ _§S>b Board of Directors*
²æêÀÄw CgÀÄAzsÀw ¨sÀmÁÖZÁAiÀÄðCzsÀåPÀëgÀÄ
lr_Vr Aé§Y{V ^Q²>Q>mMm`© AÜ`jSmt. Arundhati Bhattacharya
Chairman
CzsÀåPÀëgÀÄ, ¥ÀzÀ¤«ÄvÀÛ ¤zÉÃð±ÀPÀgÀÄ, ̈ sÁgÀwÃAiÀÄ ̧ ÉÖÃmï ̈ ÁåAPï (¸ÀºÀªÀwð ̈ ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (J) C£ÀĸÁgÀ
AÜ`j-nXoZ {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (E) Ho$ A§VJ©V
Chairman-Director-Ex-Officio under Clause (a) of Sub-Section (1) of Sec. 25
of State Bank of India (Subsidiary Banks) Act, 1959
²æà ±ÀgÀzï ±ÀªÀiÁðªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀÄ
lr eaX e_m© à~§Y {ZXoeH$Shri Sharad Sharma
Managing Director
ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (JJ) C£ÀĸÁgÀÀ
à~§Y {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (EE) Ho$ A§VJ©V
Managing Director under Clause (aa) of Sub-section (1) of Sec. 25 of the
State Bank of India (Subsidiary Banks) Act. 1959.
²æà ¤ÃgÀeï ªÁå¸ï¤zÉðñÀPÀgÀÄ, J¸ï©L £ÉêÀÄPÀ
lr ZraO ì`mg {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri Neeraj Vyas
Director, SBI Nominee
¤zÉÃð±ÀPÀgÀÄ, s̈ÁgÀwÃAiÀÄ Ȩ́ÖÃmï ¨ÁåAPï ( À̧ºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À « s̈ÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀĸÁgÀ
{ZXoeH$, ̂ maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V
Director under Clause (c) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
²æà «. f. PÀtÚ£ï ¤zÉðñÀPÀgÀÄ, J¸ï©L £ÉêÀÄPÀ
lr dr.Or. H$ÊUZ {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri V. G. Kannan
Director, SBI Nominee
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀĸÁgÀ
{ZXoeH$, ̂ maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V
Director under Clause (c) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
²æà gÀ« £ÀAzÀ£ï ¸ÀºÁAiÀiï¤zÉðñÀPÀgÀÄ, J¸ï©L £ÉêÀÄPÀ
lr a{d Z§XZ ghm` {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri Ravi Nandan Sahay
Director, SBI Nominee
¤zÉðñÀPÀgÀÄ, s̈ÁgÀwÃAiÀÄ Ȩ́ÖÃmï ¨ÁåAPï ( À̧ºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À « s̈ÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V
Director under Clause (c) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
²æà «dAiÀiï PÀĪÀiÁgï ªÉÆAUÀ¤zÉðñÀPÀgÀÄ, J¸ï©L £ÉêÀÄPÀ
lr {dO` Hw$_ma _m|Jm {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri Vijay Kumar Monga
Director, SBI Nominee
¤zÉÃð±ÀPÀgÀÄ, s̈ÁgÀwÃAiÀÄ Ȩ́ÖÃmï ¨ÁåAPï ( À̧ºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À « s̈ÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀĸÁgÀ
{ZXoeH$, ̂ maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V
Director under Clause (c) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
*As o
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1-0
3-2
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¤zÉÃð±ÀPÀ ªÀÄAqÀ½ {ZXoeH$ _§S>b Board of Directors*
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹J) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (grE) Ho$ A§VJ©V
Director under Clause (ca) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
²æà Dgï. gÁWÀªÉÃAzÀæ¤zÉÃð±ÀPÀgÀÄ, PÁ«ÄðPÀ ¥Àæw¤¢ü
lr Ama. amKdoÝÐ H$m{_©H$ {ZXoeH$Shri R. Raghavendra
Workmen Director
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (©) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (~r) Ho$ A§VJ©V
Director under Clause (b) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
²æà ªÀÄÄgÀ½ gÁzsÁPÀȵÀÚ£ï¤zÉðñÀPÀgÀÄ, Dgï©L £ÉêÀÄPÀ
lr _wabr amYmH¥$îUZ {ZXoeH$, ^maVr` [aOd©> ~¢H$ Ho$ Zm{_Vr Shri Murli Radhakrishnan
Director, RBI Nominee
²æà PÉ. UÀÄgÀÄgÁeï DZÁAiÀÄð ¸ÀévÀAvÀæ ¤zÉðñÀPÀgÀÄ, J¸ï©L £ÉêÀÄPÀ
lr Ho$.Jwê$amO AmMm`m© ñdV§Ì {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri K. Gururaj Acharya
Independent Director, SBI Nominee
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (r) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (S>r) Ho$ A§VJ©V
Director under Clause (d) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (r) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (S>r) Ho$ A§VJ©V
Director under Clause (d) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
qÁ. PÉ. ®QëöäñÀ¤zÉðñÀPÀgÀÄ, µÉÃgÀÄzÁgÀgÀ ¥Àæw¤¢ü
S>m°. Ho$. bú_rem eo`aYmar {ZXoeH$ Dr. K. Lakshmisha
Shareholder Director
²æà J¸ï. ¸É®éPÀĪÀiÁgï ¤zÉðñÀPÀgÀÄ, ¨sÁgÀvÀ ¸ÀPÁðgÀ £ÉêÀÄPÀ
lr Eg. goëdHw$_ma {ZXoeH$, ^maV gaH$ma Ho$ Zm{_Vr Shri S. Selvakumar
Director, GOI Nominee
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (E) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (B©) Ho$ A§VJ©V
Director under Clause (e) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀĪÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀĸÁgÀ
{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V
Director under Clause (c) of Sub-Section (1) of Sec. 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
²æà J. ¥Àæ¨sÁPÀgÀ¸ÀévÀAvÀæ ¤zÉðñÀPÀgÀÄ, J¸ï©L £ÉêÀÄPÀ
lr E. à^mH$a ñdV§Ì {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri A. Prabhakara
Independent Director, SBI Nominee
*As o
n 3
1-0
3-2
016
-
STATE BANK OF MYSORE5
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
REPORT OF THE BOARD OF DIRECTORS
1. MANAGEMENT DISCUSSIONS
AND ANALYSIS
1.1. Macro Economic Scenario and
Banking Environment.
1.1.1. Growth
Ø The global economic activity has
been characterised by varying
perceptions of downside risks
to recovery in some advanced
economies (AEs) with weak
growth and elevated inflation
amidst tighter financial conditions
in Emerging Market Economy
(EME). Across EMEs, weak
domestic fundamentals, lacklustre
external demand and country-
specific constraints continue to
restrain growth. The uneasy calm
that prevails in financial markets
could be dispelled by return of risk-
off investor sentiment on account
of data pertaining to China or to
US inflation.
Ø On the domestic front, unseasonal
rains and hail have damaged some
winter crops though agricultural
activities have remained resilient,
suggesting that implicit estimate
of GVA is likely to be achieved.
With improved perceptions on
overall economic conditions,
manufacturing purchasing
managers’ index (PMI) suggests
business expectations for Q1 of
2016-17 to be positive. Services
sector activity expanded steadily
turning out to be the main drivers
in H2. The services PMI remained
in expansion mode during H2 on
new business and expectations.
The outlook for services in surveys
is upbeat for Q1 of 2016-17.
1.1.2. Inflation
Ø Retail inflation measured by the
consumer price index (CPI) dropped
due to a larger than anticipated
decline in vegetable prices. Inflation
¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄ ªÀgÀ¢1. DqÀ½vÀ ªÀÄAqÀ½AiÀĪÀgÀ ZÀZÉð ªÀÄvÀÄÛ
«±ÉèõÀuÉ :
1.1. ¸ÀªÀÄUÀæ DyðPÀ ¸À¤ßªÉñÀ ªÀÄvÀÄÛ ¨ÁåAQAUï ªÀ®AiÀÄ.
1.1.1. ªÀÈ¢Þ
Ø «±ÀéªÀÄlÖzÀ°è DyðPÀ ZÀlĪÀnPÉUÀ¼À£ÀÄß ««zsÀ zÀȶÖPÉÆãÀUÀ½AzÀ ¥Àj²Ã°¹zÁUÀ C£ÉÃPÀ jÃwUÀ¼À°è UÉÆÃZÀgÀªÁVªÉ. PÉ®ªÀÅ ªÀÄÄAzÀĪÀjzÀ zÉñÀUÀ¼À°è QëÃt C©üªÀÈ¢Þ¬ÄAzÁV ¥ÀæUÀwAiÀÄÄ E½ªÀÄÄRªÁVzÀÝgÉ C©üªÀÈ¢Þ¥ÀgÀ zÉñÀUÀ¼À°è ºÀtzÀħâgÀzÀ ̧ ÀªÀĸÉåAiÉÆA¢UÉ ©UÀÄ«¤AzÀ PÀÆrzÀ DyðPÀ ¥ÀæUÀw PÀAqÀħA¢vÀÄÛ. D©üªÀÈ¢Þ¥ÀgÀ zÉñÀUÀ¼À°è, zÀħ𮠪ÀÄÆ® ¸Ë®¨sÀå ªÀÄlÖ, ¨ÁºÀå ¨ÉÃrPÉUÀ¼À PÉÆgÀvÉ ªÀÄvÀÄÛ DAiÀiÁ zÉñÀPÉÌ ¸ÀA§AzÀ¥ÀlÖ ̧ ÀªÀĸÉåUÀ¼ÀÄ ̈ ɼÀªÀtÂUÉAiÀÄ£ÀÄß PÀÄApvÀUÉƽ¹zÀݪÀÅ. MmÁÖgÉAiÀiÁV, aãÁ CxÀªÁ CªÉÄÃjPÁ zÉñÀUÀ¼À ºÀtzÀħâgÀ ¸ÀªÀĸÉåAiÀÄ CAQ-CA±ÀUÀ¼À ¥ÀjuÁªÀÄ §AqÀªÁ¼ÀzÁgÀgÀ°ègÀĪÀ »AdjPÉAiÀÄ£ÀÄß vÉÆqÉzÀĺÁQzÀ°è DyðPÀ ªÀ®AiÀÄzÀ°ègÀĪÀ ¸ÀÜVvÀUÀwUÉ ZÁ®£É ¤ÃqÀ§ºÀÄzÀÄ.
Ø £ÀªÀÄä zÉñÀzÀ C©üªÀÈ¢ÞAiÀÄ£ÀÄß UÀªÀĤ¹zÁUÀ, CPÁ°PÀªÁV D°PÀ®Äè ¸À»vÀ ªÀÄ¼É ©zÀÝ ¥ÀjuÁªÀĪÁV, C£ÉÃPÀ ¨sÁUÀUÀ¼À°è ¨É¼É £Á±ÀªÁ¬ÄvÁzÀgÀÆ PÀȶªÀ®AiÀÄzÀ ZÉÃvÀjPɬÄAzÁV, PÀȶ GvÁàzÀ£ÉAiÀÄ ªÁ¶ðPÀ CAzÁdÄ ªÀÄlÖªÀ£ÀÄß vÀ®Ä¥ÀŪÀ ¸ÁzsÀåvɬÄzÉ. zÉñÀzÀ DyðPÀ gÀAUÀzÀ°è ºÉƸÀ UÁ½ ©Ã¹gÀĪÀ PÁgÀt¢AzÀ, 2016-17 gÀ ªÉÆzÀ® vÉæöʪÀiÁ¹PÀ CªÀ¢üAiÀÄ°è GvÀÛªÀÄ ¥ÀæUÀwAiÀÄ£ÀÄß PÁt§ºÀÄzÉAzÀÄ PMI CAQCA±ÀUÀ¼ÀÄ w½¸ÀÄvÀÛªÉ. ¸ÉêÁªÀ®AiÀÄzÀ°è PÀÆqÁ JgÀqÀ£É ªÀµÁðzsÀðzÀ°è ¨É¼ÀªÀtÂUÉ GvÀÛªÀĪÁVzÀÄÝ, ºÉƸÀ ªÀåªÀºÁgÀ ªÀÄvÀÄÛ ¤jÃPÉëUÀ½UÉ C¥ÁgÀ CªÀPÁ±À«zÉ. 2016-17 gÀ ªÉÆzÀ® vÉæöʪÀiÁ¹PÀ CªÀ¢üAiÀÄ°è ¸ÉêÁ ªÀ®AiÀÄzÀ ¥ÀæUÀw §ºÀ¼À JvÀÛgÀzÀ°ègÀĪÀÅzÀ£ÀÄß CAzÁf¸À¯ÁVzÉ.
1.1.2. ºÀtzÀħâgÀ
Ø vÀgÀPÁj ¨É¯ÉUÀ¼À°è PÀĹvÀ PÀAqÀħA¢zÀÝjAzÀ, UÁæºÀPÀ ¨É¯É ¸ÀÆZÁåAPÀzÀ°è ¤jÃPÉëVAvÀ®Æ ºÉaÑ£À E½ªÀÄÄRªÁVzÉ. «zÀÄåvï ±ÀQÛ, ¹ÃªÉÄ
[ZXoeH$ _§S>b H$s [anmoQ>©
1. à~§YH$s` {dMma Ed§ {díbofU
1.1. ñWyb Am{W©H$ n[aÑí` Ed§ ~¢qH$J n[adoe
1.1.1. d¥{Õ
Ø d¡{œH$ ñVa na {d{dY Am{W©H$ J{V{d{Y`m| H$mo {d{^ÝZ Ñ{ï>H$moU go {díbo{fV H$aZo na {d{^ÝZ ê$n _| n[ab{jV hmoVr h¢& H$B© {dH${gV Xoem| _| Yr_r àJ{V Ho$ H$maU {ZåZ d¥{Õ hmo Vmo {dH$mgerb Xoem| _| _wÐmñ\$s{V H$s g_ñ`m go Am{W©H$ àJ{V _| MwñVr XoIr JB©& {dH$mgerb Xoem| _| _yb^yV gw{dYmAm| H|$ H$_r, ~mø _m§Jm| _| H$_r Am¡a Am§V[aH$ g_ñ`mAm| Ho$ H$maU d¥{Õ Hw§${R>V ahr& g_J« ê$n go MrZ `m A_arH$m Ho$ _wÐmñ\$s{V g_ñ`m go g§~§{YV Am§H$‹S>m| go {ZdoeH$mam| _| Omo ̂ ` h¡ Cgo Xÿa H$aZo na Am{W©H$ d¥{Õ H$mo J{V {_boJr&
Ø AnZo Xoe H$s Am§V[aH$ àJ{V na Ñ{ï> S>mbZo go ~o_m¡g_r Amobm ~agmV Zo AZoH$ ^mJm| _| gXu H$s \$gb H$mo ZîQ> H$aZo na ^r H¥${f J{V{d{Y`m| _| CN>mb ~Zm ahm {Oggo H¥${f CËnmXZ _| dm{f©H$ bú` àmßV {H$`m Om gH$m& Xoe Ho$ g_J« Am{W©H$ joÌ _| Amem H$s ZB© {H$aU| {XImB© Xo ahr h¢, nrE_AmB© Ho$ Am§H$‹S>o gy{MV H$a aho h¢ {H$ df© 2016-17 Ho$ àW_ {V_mhr Ho$ Xm¡amZ àJ{V AÀN>r ahoJr& godm joÌm| H$s àJ{V _| {ÛVr` AY© df© _| Am¡a A{YH$ gwYma XoIm OmEJm, ZE H$mamo~ma H$s g§^mdZmE§ ~T>|Jr& df© 2016-17 H$s nhbr {V_mhr _| godm joÌ H$s àJ{V CÀMVa ahoJr&
1.1.2. _wÐmñ\$s{V
Ø J«mhH$ _yë` gyMH$m§H$ Ûmam _mnr JB© IwXam _wÐmñ\$s{V gãOr Ho$ _yë`m| _| AZw_m{ZV go A{YH$ {JamdQ> Ho$ H$maU KQ> JB©& BªYZ g_yh _| _wÐmñ\$s{V
-
ANNUAL REPORT 2015 - 16
STATE BANK OF MYSORE 6
in the fuel group moderated across
electricity, kerosene, cooking gas
and firewood, easing pressures on
rural inflation. However, CPI inflation
edged up under several sectors
suggesting capacity constraints and
is unlikely to be helped by the 7th
Pay Commission award, one-rank-
one-pension (OROP) award and
cost-push effect of the increase in
the service tax rate.
Ø However there will be some
offsetting downside pressures from
tepid demand in the global economy,
Government’s effective supply
side measure and commendable
commitment to fiscal consolidation.
The uneven recovery in growth
in 2015-16 is likely to strengthen,
assuming a normal monsoon, likely
boost to consumption, 7th Pay
Commission recommendations and
OROP. The GVA growth projection
for 2016-17 is accordingly retained
at 7.6 per cent.
1.1.3. Liquidity Framework for
Monetary Policy Operations
Ø Liquidity conditions tightened
since mid-December with pick-up
in bank credit and flatter deposit
mobilisation. The Reserve Bank
undertook liquidity operations
through fine-tuning variable rate
repo auctions beside reducing
Statutory liquidity ratio (SLR) by
25 basis points from 21.5 per cent
to 21.25 per cent.
Ø Net inflows in the form were robust
in Q4. Foreign portfolio investors
(FPIs), became net buyers in
March in both equity and debt
segments.
Ø The reduction in small savings
rates in March 2016, refinements
in the liquidity management
framework and introduction of
the marginal cost of funds based
lending rate (MCLR) magnify the
effects of the policy rate cut.
JuÉÚ, CqÀÄUÉ C¤® ªÀÄvÀÄÛ PÀnÖUÉ zÀgÀUÀ¼À°è ¸ÁzsÁgÀt ªÀÄlÖ EzÀÄÝzÀjAzÁV, UÁæ«ÄÃt PÉëÃvÀæzÀ°è EAzsÀ£À ªÀ®AiÀÄzÀ ºÀtzÀħâgÀ ¤AiÀÄAvÀætzÀ°èvÀÄÛ. 7£Éà ªÉÃvÀ£À DAiÉÆÃUÀzÀ eÁj, KPÀ ±ÉæÃt KPÀ ªÉÃvÀ£À ¥ÀzÀÞw eÁj, ¸ÉêÁ vÉjUÉ zÀgÀUÀ¼À°è KjPÉ ºÁUÀÄ PÉ®ªÀÅ ¤AiÀÄAvÀætgÀ»vÀ PÁgÀtUÀ½AzÀ UÁæºÀPÀ ¨É¯É ¸ÀÆZÁåAPÀzÀ°è ºÀtzÀħâgÀzÀ ¥ÀjuÁªÀÄ EzÉÝà EgÀÄvÀÛzÉ.
Ø eÁUÀwPÀ DyðPÀ ªÀ®AiÀÄzÀ°èzÀÝ MvÀÛqÀUÀ¼ÀÄ ºÁUÀÄ ¸ÀgÀPÁgÀzÀ ¥ÀjuÁªÀÄPÁj PÀæªÀÄUÀ½AzÁV zÉñÀzÀ DyðPÀ gÀAUÀ ¸ÀÄzsÁgÀuÉAiÀÄ ¥ÀxÀzÀ°èzÉ. F ªÀµÀðzÀ°è ¤jÃPÉëAiÀÄ GvÀÛªÀÄ jÃwAiÀÄ ªÀļÉUÁ®, 7£Éà ªÉÃvÀ£À DAiÉÆÃUÀzÀ ²¥sÁgÀ¸ÀÄìUÀ¼À eÁj, KPÀ ±ÉæÃt KPÀ ªÉÃvÀ£ÀzÀ eÁj - EªÀÅUÀ½AzÁV §¼ÀPÉzÁgÀjUÉ ¥ÉÇæÃvÁìºÀ ¹UÀĪÀAvÁVzÉ ªÀÄvÀÄÛ 2015-16 gÀ ¥Àj¹Üw¬ÄAzÀ ªÀÄÄQÛ ¹UÀ§ºÀÄzÁVzÉ. 2016-17 gÀ ªÀµÀðzÀ°è zÉñÀzÀ C©üªÀÈ¢Ý zÀgÀªÀ£ÀÄß 7.6 gÀ ªÀÄlÖzÀ¯Éèà ElÄÖPÉƼÀî¯ÁVzÉ.
1.1.3. DyðPÀ ¤Ãw ¤gÀÆ¥ÀuÉAiÀÄ°è zÀæªÀvÀézÀ ZËPÀlÄÖ :
Ø PÀ¼ÉzÀ r¸ÉA§gï ªÀÄzsÀå¨sÁUÀzÀ°è ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£ÀªÀgÀÄ PÀlÄÖ¤nÖ£À PÀæªÀÄ PÉÊUÉÆArzÀÝjAzÀ, ¨ÁåAPï ¸Á® ¥ÀæªÀiÁtzÀ°è KjPÉ PÀAqÀħgÀ®Ä ¥ÁægÀA¨sÀªÁ¬ÄvÀÄ ºÁUÀÆ oÉêÀt ¥ÀæªÀiÁtzÀ°è E½PÉ PÀAqÀħA¢vÀÄ. F ¸ÀAzÀ¨sÀðzÀ°è ¨sÁgÀwÃAiÀÄ j¸Àªïð ̈ ÁåAQ£ÀªÀgÀÄ gÉ¥ÉÇà zÀgÀªÀ£ÀÄß vÀVιzÀÄzÀ®èzÉ SLR zÀgÀzÀ°è 25 bps PÀrªÉÄUÉƽ¹, EzÀ£ÀÄß 21.50 ¬ÄAzÀ 21.25 PÉÌ E½¹zÀgÀÄ.
Ø 4 £Éà vÉæöʪÀiÁ¹PÀ CªÀ¢üAiÀÄ°è ºÀtPÁ¸ÀÄ M¼ÀºÀjªÀÅ GvÀÛªÀÄ ªÀÄlÖzÀ°èvÀÄÛ. ªÀiÁZïð wAUÀ¼À°è FQén ªÀÄvÀÄÛ qɨïÖ «¨sÁUÀUÀ¼ÉgÀqÀgÀ®Æè FPI UÀ¼ÀÄ ºÉaÑ£À RjâAiÀÄ£ÀÄß ªÀiÁrzÀgÀÄ.
Ø ªÀiÁZïð 2016 gÀ°è ¸ÀtÚ G½vÁAiÀÄ zÀgÀUÀ¼À°è ªÀiÁrzÀ E½PÉ, zÀæªÀvÀé ZËPÀnÖ£À ¤ªÀðºÀuÉAiÀÄ°è ¸ÀÄzsÁgÀuÉ ªÀÄvÀÄÛ MCLR eÁj¬ÄAzÁV, zÀgÀ E½PÉAiÀÄ PÀæªÀÄzÀ ¥ÀjuÁªÀÄUÀ¼ÀÄ ¸ÀjAiÀiÁV ¥sÀ® ¤ÃrzÀªÀÅ.
{~Obr, {_Å>r Ho$ Vob, Hw$qH$J J¡g Am¡a ObmD$ bH$‹S>r _| g§Vw{bV ahr {Oggo J«m_rU _wÐmñ\$s{V _m°S>aoQ> ahr& {\$a ^r, grnrAmB© _wÐmñ\$s{V, ~mYmAm| Ho$ MbVo H$B© joÌm| _| _wÐmñ\$s{V ~‹T>r Am¡a gmVd| doVZ Am`moJ AdmS©>, dZ a¢H$ dZ n|eZ (AmoAmaAmonr) AdmS©> Am¡a godm H$a Xa _|, bmJV _| ~T>moËVar go _wÐmñ\$s{V _| _m_ybr d¥{Õ ~Zr ahoJr&
Ø {\$a ^r, d¡pídH$ AW©ì`dñWm _| aho X~md Am¡a gaH$ma Ûmam {H$E JE à^mdr Cnm`m| go Xoe H$m Am{W©H$ joÌ gwYma Ho$ nW na Mb ahm h¡& Bg df© AÀN>r ~m[ae, gmVd| doVZ Am`moJ H$s {g\$m[aem| Ho$ bmJy, dZ a¢H$ dZ n|eZ hmoZo Cn^moŠVmAm| H$mo àmoËgmhZ àmßV hmoJm Am¡a df© 2015-16 H$s n[apñW{V`m| go _w{º$ {_boJr& df© 2016-17 _| Xoe H$s {dH$mg Xa H$mo 7.6% na ~ZmE aIm J`m h¡&
1.1.3. _m¡{ÐH$ Zr{V n[aMmbZ Ho$ {bE VabVm H$m T>m§Mm
Ø {nN>bo _Ü` {Xg§~a _| ^maVr` [aµOd© ~¢H$ Ûmam {bE JE H${R>Z H«$_m| Ho$ H$maU ~|H$ F$U _| ~T>moËVar XoIr JB© Am¡a O_m g§J«h _| H$_r AmZo bJr& [aµOd© ~¢H$ Zo gm§{d{YH$ VabVm AZwnmV (EgEbAma) H$mo 21.5 à{VeV go 25 ~o{gg nmB§Q> KQ>mH$a 21.25 à{VeV H$aZo Ho$ gmW hr n[adV©Zr` Xa aonmo Zrbm_r _| ghr g§VwbZ Ho$ O[aE VabVm n[aMmbZ na {Z`§ÌU aIm&
Ø Bg àH$ma Ho$ {Zdb ~hmd Mm¡Wr {V_mhr _| g§Vw{bV ahm& {dXoer F$U g§{d^mJ {ZdoeH$m| (E\$nrAmB©) Zo B©{¹$Q>r Am¡a H$O© XmoZm| I§S>m| _| _mM© _| A{YH$ IarXXmar H$s&
Ø _mM© 2016 _| bKw ~MV Xam| _| H$_r, VabVm à~§YZ T>m§Mo _| gwYma Am¡a H$mof AmYm[aV CYma Xa (E_grEbAma) Ho$ gr_m§V _yë` H$mo Omar H$aZo go H$Q>m¡Vr Xa Zr{V H$m à^md XþJwZm hmo OmVm h¡&
-
STATE BANK OF MYSORE7
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
1.1.4. Monetary and Liquidity
Measures
On the basis of an assessment of the
current and evolving macroeconomic
situation RBI has decided to:
Ø reduce the policy repo rate under
the liquidity adjustment facility
(LAF) by 25 basis points from
6.75 per cent to 6.5 per cent;
Ø reduce the minimum daily
maintenance of the cash reserve
ratio (CRR) from 95 per cent of
the requirement to 90 per cent
Ø continue to provide liquidity as
required but progressively lower
the average ex ante liquidity to a
position closer to neutrality;
Ø narrow the policy rate corridor
from +/-100 basis points (bps)
to +/- 50 bps by reducing the
MSF rate by 75 basis points and
increasing the reverse repo rate
by 25 basis points, with a view
to ensuring finer alignment of
the weighted average call rate
(WACR) with the repo rate;
Consequently, reverse repo rate under
the LAF stands adjusted to 6.0 per cent,
and the marginal standing facility (MSF)
rate to 7.0 per cent.
1.2. ECONOMY OF KARNATAKA
1.2.1. Karnataka’s economy is largely
service-oriented, with 64% of the State
revenue coming from services sector,
26% from industrial sector and only
8% coming from agricultural sector.
The decline of agriculture sector is
attributed to the drought or near drought
like situation prevailing for the last 3
years causing distress to the farming
community besides affecting their
produce.
1.2.2. Karnataka is referred to as
‘Knowledge & Innovation Capital’,
‘Silicon Valley’, ‘R&D Hub’ and ‘Startup
Hub’. It is the state with most peaceful
labour relations, boasts of highest
number of international schools, most
1.1.4. ºÀtPÁ¸ÀÄ ªÀÄvÀÄÛ zÀæªÀvÀé PÀæªÀÄUÀ¼ÀÄ
¸ÀzÀåzÀ ªÀÄvÀÄÛ ¸ÀªÀÄUÀæ DyðPÀ ¥ÀjuÁªÀÄUÀ¼À£ÀÄß «±Éèö¹, ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£ÀªÀgÀÄ ¤zsÀðj¹zÀAvÉ:
Ø °Qérn CqÉÓ¸ÉÖ÷äAmï ¥sɹ°n (LAF) CrAiÀÄ°è ¥Á°¹ gÉ¥ÉÇà zÀgÀªÀ£ÀÄß 6.75% jAzÀ 25 bps UÀ¼ÀµÀÄÖ vÀVι 6.5%PÉÌ vÀgÀĪÀÅzÀÄ.
Ø CRR ¤ÃwAiÀÄ°è zÉÊ£ÀA¢£À PÀ¤µÀÖ £ÀUÀzÀÄ ªÀÄlÖªÀ£ÀÄß 95% ¢AzÀ 90%UÉ E½¸ÀĪÀÅzÀÄ.
Ø zÀæªÀvÀézÀ CUÀvÀåvÉAiÀÄ£ÀÄß ªÀÄÄAzÀĪÀj¹PÉƼÀÄîvÀÛ, ¸ÀgÁ¸Àj ªÀÄlÖzÀ zÀæªÀvÀé¢AzÀ vÀl¸ÀÜ ªÀÄlÖzÀ°è zÀæªÀvÀéªÀ£ÀÄß PÁ¥ÁrPÉƼÀî®Ä ¥ÀæAiÀÄw߸ÀĪÀÅzÀÄ.
Ø gÉ¥ÉÇà zÀgÀzÀ dvÉAiÀÄ°è WACR zÀgÀªÀ£ÀÄß ¸À«ÄÃPÀj¹PÉƼÀÄîªÀ ¥ÀæAiÀÄvÀßzÀ°è ¥Á°¹ gÉÃmï PÁjqÁj£À bps UÀ¼À£ÀÄß +/- 100 jAzÀ +/- 50 UÀ½UÉ E½¸ÀĪÀÅzÀÄ ªÀÄvÀÄÛ MSF zÀgÀzÀ°è 75 bps UÀ¼À£ÀÄß ºÉaѸÀĪÀÅzÀÄ, jªÀ¸ïð gÉ¥ÉÇÃzÀ°è 25 bps UÀ¼À£ÀÄß ºÉaѸÀĪÀÅzÀÄ.
F PÀæªÀÄUÀ½AzÁV, LAF CrAiÀÄ°è jªÀ¸ïð gÉ¥ÉÇà zÀgÀªÀÅ 6.0% ªÀÄvÀÄÛ MSF zÀgÀ 7.0% DV G½zÀÄPÉÆArzÉ.
1.2. PÀ£ÁðlPÀzÀ DyðPÀvÉ :
1.2.1. PÀ£ÁðlPÀzÀ DyðPÀvÉAiÀÄÄ ¥ÀæªÀÄÄRªÁV ¸ÉêÁ ªÀ®AiÀÄzÀ ªÉÄÃ¯É DzsÀj¹zÉ. gÁdåzÀ 64% DzÁAiÀĪÀÅ ¸ÉêÁªÀ®AiÀÄ¢AzÀ, 26% PÉÊUÁjPÁ ªÀ®AiÀÄ¢AzÀ ªÀÄvÀÄÛ 8% PÀȶ ªÀ®AiÀÄ¢AzÀ §gÀÄvÀÛzÉ. PÀ¼ÉzÀ ªÀÄÆgÀÄ ªÀµÀðUÀ½AzÀ gÁdåzÀ°è DªÀj¹gÀĪÀ §gÀUÁ® CxÀªÁ §gÀ jÃwAiÀÄ ¥Àj¹Üw¬ÄAzÁV, PÀȶ DzÁAiÀÄzÀ°è PÉÆgÀvÉ-AiÀÄÄAmÁVzÉ ªÀÄvÀÄÛ gÉÊvÀgÀ ªÀÄvÀÄÛ CªÀgÀÄ ¨É¼ÉAiÀÄĪÀ ¨É¼ÉUÀ¼À ¸ÀªÀĸÉå UÀA©üÃgÀªÁVzÉ.
1.2.2. PÀ£ÁðlPÀªÀ£ÀÄß ‘£Á¯ÉqïÓ & E£ÉÆßêÉñÀ£ï PÁå¦l¯ï’, ‘¹°PÁ£ï ªÁå°’, ‘Dgï & r ºÀ¨ï’ ªÀÄvÀÄÛ ‘¸ÁÖlð¥ï ºÀ¨ï’; ªÀÄÄAvÁV PÀgÉAiÀįÁUÀÄvÀÛzÉ. E°ègÀĪÀ ¸ËºÁzÀðªÀÄAiÀÄ £ËPÀgÀ ¸ÀA§AzsÀUÀ¼ÀÄ, C¢üPÀ ¸ÀASÉåAiÀÄ CAvÁgÁ¶ÖçÃAiÀÄ ªÀÄlÖzÀ «zÁå¸ÀA¸ÉÜUÀ¼ÀÄ, ºÉaÑ£À ¸ÀASÉåAiÀÄ PÉÊUÁjPÁ vÀgÀ¨ÉÃw ¸ÀA¸ÉÜUÀ¼ÀÄ, zÉñÀzÀ¯Éèà JgÀqÀ£ÉAiÀÄ gÁdåªÁV ºÉaÑ£À ¸ÀASÉåAiÀÄ°ègÀĪÀ EAf¤AiÀÄjAUï ªÀÄvÀÄÛ
1.1.4. _m¡{ÐH$ Ed§ VabVm Cnm`
dV©_mZ Am¡a C^aVr ñWyb Am{W©H$ pñW{V Ho$ _yë`m§H$Z AmYma na Ama~rAmB© Zo {ZåZdV {ZU©` {bE h¢:
Ø VabVm g_m`moOZm gw{dYm (EbEE\$) Ho$ VhV Zr{VJV aonmo Xa 6.75 à{VeV go 25 ~o{gg ßdmB§Q> KQ>mH$a 6.5 à{VeV H$aZm&
Ø ZH$Xr Ama{jV AZwnmV (grAmaAma) Ho$ Ý`yZV_ X¡{ZH$ aIaImd H$mo Amdí`H$Vm Ho$ 95 à{VeV go KQ>mH$a 90 à{VeV H$aZm&
Ø Amdí`H$VmZwgma VabVm CnbãY H$admZm Omar aIVo hþE nyd© VabVm Am¡gV H$mo àJ{VnaH$ VQ>ñWVm VH$ ~ZmE aIZm&
Ø ̂ m[aV Am¡gV H$m°b Xa Ho$ aonmo Xa Ho$ gmW ~ohVa g_m`moOZ H$mo gw{Z{üV H$aZo Ho$ {bE E_EgE\$ Xa H$mo 75 ~o{gg ßdmB§Q> KQ>mH$a VWm [adg© aonmo Xa H$mo 25 ~o{gg ßdmB§Q> ~‹T>mH$a Zr{VJV Xa H$m°[aS>moa H$mo +/- 100 ~o{gg ßdmB§Q> (~rnrEg) go +/- 50 ~rnrEg VH$ H$_ H$aZm&
n[aUm_ñdê$n EbEE\$ Ho$ VhV [adg© aonmo Xa 6.0 à{VeV na Am¡a _m{O©Zb ñQ>¢qS>J gw{dYm Xa 7.0 à{VeV na g_m`mo{OV h¡&
1.2. H$Zm©Q>H$ H$s AW©ì`dñWm
1.2.1. H$Zm©Q>H$ H$s AW©ì`dñWm ~¥hX ê$n go godmoÝ_wIr h¡ Am¡a amÁ` H$s 64% à{VeV Am` godm joÌ, 26% Am¡Úmo{JH$ joÌ Am¡a Ho$db 8% H¥${f joÌ go AmVr h¡& H¥${f joÌ _| H$_r H$m H$maU gyIm AWdm bJ^J gyIo O¡gr pñW{V h¡ Omo {nN>bo VrZ gmb go H¥$fH$ g_wXm` H$s qMVm H$m g~~ ~Zr hþB© h¡ Am¡a CZHo$ CËnmXm| H$mo à^m{dV H$a ahr h¡&
1.2.2. H$Zm©Q>H$ H$mo ‘kmZ Ed§ ZdmoÝ_o{fVm H$s amOYmZr’, ‘{g{bH$m°Z d¡br’, ‘AZwg§YmZ Ed§ {dH$mg h~’ Ed§ ‘ñQ>mQ>©An h~’ Ho$ ê$n _| OmZm OmVm h¡& Bg àXoe _| Xoe Ho$ gdm©{YH$ em§{VnyU© _OXÿa g§~§Y, gdm©{YH$ g§»`m _| A§Vam©îQ´>r` {dÚmb`, g~go A{YH$ g§»`m _| Am¡Úmo{JH$ à{ejU g§ñWmZ Am¡a Xÿgao g~go A{YH$ B§Or{Z`a Ed§ {M{H$Ëgm _hm{dÚmb`
-
ANNUAL REPORT 2015 - 16
STATE BANK OF MYSORE 8
number of industrial training institutes
and the 2nd highest engineering
& medical colleges in the country.
Karnataka’s state contribution to the
country’s GDP has gone up from 5.5%
to 7% after incorporating correction
in the estimation methodology taking
into considering generous contribution
by IT sector. Karnataka is the Largest
Biotech hub (28% All India's Biotech
companies), largest exporter of software
- 40% Country's software exports,
largest number of startups (36% 5 out
of 8 Indian Unicorns), largest number of
R&D centers (44%), largest producer of
Coffee (71% National output). Bengaluru
ranked “Best place to live and work
for Expats” in India with outstanding
social infrastructure and cosmopolitan
culture.
1.2.3. The rate of growth of Karnataka’s
economy has slowed down from 7.8
per cent during 2014-15 to 6.2 per cent
during 2015-16, attributed to drought in
137 taluks during kharif and 62 taluks
during the rabi crop seasons resulting
in fall in foodgrains production by 16 lac
tonnes. The service sector is growing at
9.1 per cent while the industrial sector
is expected to register a growth of 4.5
percent.
1.2.4. The business growth of our
Bank depends to a large extent on
the Karnataka economy, since 82% of
branches (850 out of 1,037 branches, as
on 31.03.2016) are located in Karnataka.
The budget size and State plan 2016-
17 envisages a total expenditure of
`1,63,419 crs on various developmental
activities and regulatory functions of the
Government, which includes Revenue
Expenditure of `1,30,236 crs, Capital
Expenditure of `26,371 crs. GoK plan to
set up 2 industrial township/smart cities at
Davanagere and Belgaum besides SEZ
already planned at Tumkur, which will
provide increased growth opportunities
for the economy and more particularly
Banking Sector. The commissioning
of Mumbai-Bangalore gas pipeline will
provide further boost to the effort.
ªÉÊzÀåQÃAiÀÄ PÁ¯ÉÃdÄUÀ¼ÀÄ J®ègÀ£ÀÆß F gÁdåzÀ PÀqÉ DPÀ¶ð¸ÀÄvÀÛzÉ. ¸ÀÆÜ® zÉòà GvÀà£ÀßzÀ ¯ÉPÁÌZÁgÀªÀ£ÀÄß ¥ÀÅ£ÀgÀÆ榹PÉÆAqÀÄ, ªÀiÁ»w vÀAvÀæeÁÕ£À ªÀ®AiÀÄzÀ°è gÁdåzÀ C¥ÁgÀ PÉÆqÀÄUÉAiÀÄ£ÀÄß zÉñÀzÀ ¸ÀÆÜ® zÉòà GvÀà£ÀßPÉÌ (GDP) ¸ÉÃj¹zÁUÀ, GDP ªÀiË®å 5.5%¤AzÀ 7% PÉÌ KjPÉAiÀiÁVzÉ. ºÁUÉAiÉÄÃ, zÉñÀzÀ¯Éè 28% eÉÊ«PÀ vÀAvÀæeÁÕ£À PÀA¥É¤UÀ¼ÀÄ PÀ£ÁðlPÀzÀ°èzÀÄÝ, ¸Á¥sïÖ ªÉÃgï gÀ¥sÀÅöÛ GzÀåªÀÄ 40%, ̧ ÁÖmïð C¥ï G¢ÝªÉÄAiÀÄ°è zÉñÀzÀ¯Éèà Cw ºÉaÑ£À ¸ÀASÉåAiÀÄ G¢ÝªÉÄUÀ¼ÀÄ (36%), ºÉaÑ£À ̧ ÀASÉåAiÀÄ ̧ ÀA±ÉÆÃzsÀ£É ªÀÄvÀÄÛ C©üªÀÈ¢Þ PÉÃAzÀæUÀ¼ÀÄ (R&D) (44%), PÁ¦ü GvÁàzÀ£ÉAiÀÄ°è ªÉÆzÀ® ¸ÁÜ£À (71%) F gÁdåzÀ°èªÉ. CvÀÄåvÀÛªÀÄ ¸ÁªÀiÁfPÀ ªÀåªÀ¸ÉÜ ªÀÄvÀÄÛ PÁ¸ÉÆä¥Á°l£ï ¸ÀA¸ÀÌöÈw ºÉÆA¢gÀĪÀ ¨ÉAUÀ¼ÀÆgÀÄ £ÀUÀgÀ, ‘zÉñÀ-«zÉñÀ ªÀåQÛUÀ½UÉ PÉ®¸À ªÀiÁqÀ®Ä ªÀÄvÀÄÛ fêÀ£À ¸ÁV¸À®Ä zÉñÀzÀ°ègÀĪÀ ±ÉæõÀ× £ÀUÀgÀ’ JA§ SÁåw UÀ½¹zÉ.
1.2.3. 2014-15 gÀ°è PÀ£ÁðlPÀ gÁdåzÀ §gÀ ¥Àj¹Üw¬ÄAzÁV, 137 vÁ®ÆPÀÄUÀ¼À°è SÁjÃ¥sï ¨É¼É £Á±À ºÁUÀÄ 62 vÁ®ÆPÀÄUÀ¼À°è gÁ© ¨É¼É £Á±À¢AzÁV DºÁgÀ zsÁ£Àå GvÁàzÀ£É 16 ®PÀë l£ï £ÀµÀÄÖ PÀrªÉÄAiÀiÁ¬ÄvÀÄ. F PÁgÀt¢AzÀ 2014-15gÀ°è gÁdåzÀ DyðPÀvÉAiÀÄ ªÀÄlÖ 7.8% EzÀÄÝzÀÄ 2015-16 gÀ°è 6.2%PÉÌ PÀĹ¢zÉ. ¸ÉêÁ ªÀ®AiÀÄzÀ ̈ ɼÀªÀtÂUÉ zÀgÀ 9.1% gÀ°èzÀÄÝ, PÉÊUÁjPÁ GvÁàzÀ£É 4.5% zÀgÀzÀ°è ¨É¼ÀªÀtÂUÉAiÀiÁUÀĪÀ CAzÁdÄ ªÀiÁqÀ¯ÁVzÉ.
1.2.4. £ÀªÀÄä ¨ÁåAQ£À ±ÁSÁeÁ®zÀ 82% ±ÁSÉUÀ¼ÀÄ (31.03.2016 gÀ°èzÀÝAvÉ MlÄÖ 1037 ±ÁSÉUÀ¼À ¥ÉÊQ 850 ±ÁSÉUÀ¼ÀÄ) PÀ£ÁðlPÀzÀ°ègÀĪÀÅzÀjAzÀ, E°è£À DyðPÀ ¨É¼ÀªÀtÂUÉAiÀÄ ªÉÄÃ¯É ̈ ÁåAQ£À ªÀåªÀºÁgÀ ¥ÀæUÀwAiÀÄÄ CªÀ®A©vÀªÁVzÉ. 2016-17 gÀ gÁdåzÀ DAiÀÄ-ªÀåAiÀÄzÀ°è ««zsÀ C©üªÀÈ¢Þ PÁAiÀÄðUÀ¼ÀÄ ªÀÄvÀÄÛ ¤AiÀÄAvÀæt PÁAiÀÄðPÀæªÀÄUÀ½UÁV vÉÆÃj¸À¯ÁzÀ RZÀÄð-ªÉZÀÑ ¥ÀæªÀiÁt ̀ 1,63,419 PÉÆÃnUÀ¼ÁVzÉ. EzÀgÀ°è gɪɣÀÆå RZÀÄð ¥ÀæªÀiÁt `1,30,236 PÉÆÃnUÀ¼ÀÄ ªÀÄvÀÄÛ §AqÀªÁ¼À «¤AiÉÆÃd£Á ªÉZÀÑ ¥ÀæªÀiÁt `26,371 PÉÆÃnUÀ¼ÁVzÉ. PÀ£ÁðlPÀ ¸ÀgÀPÁgÀzÀªÀgÀÄ zÁªÀtUÉgÉ ªÀÄvÀÄÛ ¨É¼ÀUÁA JgÀqÀÄ £ÀUÀgÀUÀ¼À£ÀÄß ¸Áämïð ¹n / PÉÊUÁjPÁ £ÀUÀgÀUÀ¼À£ÁßV C©üªÀÈ¢Þ¥Àr¸À®Ä GzÉÝùzÁÝgÉ. vÀĪÀÄPÀÆj£À°è CzÁUÀ¯Éà «±ÉõÀ DyðPÀ ªÀ®AiÀÄ WÉÆõÀuÉAiÀiÁVzÀÄÝ, DyðPÀ gÀAUÀzÀ°è CªÀPÁ±ÀUÀ¼ÀÄ ºÉZÀÄÑwÛgÀĪÀ ̧ ÀAzÀ¨sÀðzÀ°è, ¨ÁåAQAUï ªÀåªÀºÁgÀ ªÀÈ¢ÞUÀÆ CªÀPÁ±À«zÉ. EzÀgÉÆA¢UÉ, ªÀÄÄA¨ÉÊ-¨ÉAUÀ¼ÀÆgÀÄ UÁå¸ï ¥ÉÊ¥ï ¯ÉÊ£ï AiÉÆÃd£ÉAiÀÄ£ÀÄß PÉÊUÉwÛPÉÆAqÀ°è ̈ ÁåAQAUï ªÀåªÀºÁgÀPÉÌ ªÀÄvÀÛµÀÄÖ ¥ÀÅ¶Ö zÉÆgÀPÀ°zÉ.
h¢& AmB©Q>r joÌ Ûmam CXmaVmnyU© `moJXmZ H$mo Ü`mZ _| aIZo dmbr AZw_mZ nÕ{V _| gwYma H$aZo Ho$ ~mX Xoe Ho$ OrS>rnr _| H$Zm©Q>H$ àXoe H$m `moJXmZ 5.5% go ~‹T>H$a 7% hmo J`m h¡& H$Zm©Q>H$ g~go ~‹S>m ~m`moQ>oH$ H|$Ð (nyao Xoe H$s ~m`moQ>oH$ H§$n{Z`m| H$m 28%), gm°âQ>do`a H$m g~go ~‹S>m {Z`m©VH$ - Xoe Ho$ 40 % gm°âQ>do`a {Z`m©V, gdm©{YH$ ñQ>mQ>©An (8 ^maVr` `y{ZH$mZ© _| go 5 - 36%), g~go A{YH$ g§»`m _| Ama E§S> S>r H|$Ð (44%), H$m°\$s H$m g~go ~‹S>m CËnmXH$ (amîQ´>r` CËnmXZ H$m 71%) h¡& gdm}ËH¥$îQ> gm_m{OH$ ~w{Z`mXr T>m§Mo Am¡a H$m°ñ_monm°{bQ>Z g§ñH¥${V dmbo ~¢Jbyê$ H$mo ^maV _| {deofkm| Ho$ {bE ahZo Am¡a H$m`© H$aZo H$m ‘loîR> ñWmZ’ H$m pIVm~ {_bm h¡&
1.2.3. H$Zm©Q>H$ H$s AW©ì`dñWm H$s {dH$mg Xa 2014-15 Ho$ 7.8 à{VeV go KQ>H$a 2015-16 _| 6.2 à{VeV hmo JB© {OgH$m H$maU Iar\$ Ho$ Xm¡amZ 137 VmbwH$m| _| VWm a~r Ho$ Xm¡amZ 62 VmbwH$m| _| gyIm n‹S>Zm h¡ {OgH$s dOh go ImÚmÝZ CËnmXZ 16 bmI Q>Z H$_ hmo J`m& godm joÌ 9.1 à{VeV H$s Xa na {dH$mg H$a ahm h¡ O~{H$ Am¡Úmo{JH$ joÌ Ho$ 4.5 à{VeV {dH$mg XO© H$s Anojm h¡&
1.2.4. h_mao ~¢H$ H$m H$mamo~ma {dH$mg A{YH$m{YH$ H$Zm©Q>H$ H$s AW©ì`dñWm na {Z^©a H$aVm h¡ Š`m|{H$ 82% emImE§ (1,037 emImAm| _| go 850 emIm§E, 31.03.2016 Ho$ AZwgma) H$Zm©Q>H$ _| pñWV h¢& ~OQ> AmH$ma Am¡a amÁ` `moOZm 2016-17 Ho$ AZwgma gaH$ma H$s {d{^Þ {dH$mg J{V{d{Y`m| Am¡a {d{Z`m_H$ H$m`m] na AZw_m{ZV Hw$b ì`` `1,63,419 H$amo‹S> h¢, {Og_| `1,30,236 H$amo‹S> H$m amOñd ì``, `26,371 H$amo‹S> H$m ny§Or ì`` em{_b h¡& H$Zm©Q>H$ gaH$ma H$s `moOZm Vw_Hy$é _| nhbo go hr àñVm{dV EgB©OoS> Ho$ Abmdm XmdUJoao Am¡a ~obJmdr _| Xmo Am¡Úmo{JH$ Q>mCZ{en/ ñ_m©Q> {gQ>r ñWm{nV H$aZo H$s h¡, Omo AW©ì`dñWm Am¡a {deof ê$n go ~¢qH$J joÌ Ho$ {bE d¥{ÕV {dH$mg Adga CnbãY H$admEJm& _w§~B©-~¢Jbyê$ J¡g nmBnbmBZ H$s ewéAmV Bg à`mg H$mo Am¡a A{YH$ ~‹T>mdm XoJr&
-
STATE BANK OF MYSORE9
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
2. REVIEW OF BANKING
OPERATIONS
2.1. Market Share and Business
Growth: The business levels of the Bank
and the position of market share in recent
years are furnished hereunder:-
2.1.2. The growth in Deposits have
been quite impressive, with aggregate
deposits reaching a level of ̀ 70,244 crs,
a growth of `5,186 crs over the previous
year at a rate of 8%. The growth in Non
Bulk deposit at 16.4% is in tune with the
past trend and in accordance with our
conscious policy of shedding high cost/
bulk deposits.
However, growth in Advances have
been sluggish due to subdued
investment climate resulting in lower
off take of advances particularly in
Corporate Sector. The total advances
have reached a level of `55,418 crs,
recording a growth of `2,122 crs over
the previous year at a growth rate of
4.0%. As on 18.03.2016 the Bank’s
market share of Deposits declined to
0.73% along with Bank’s market share
of Advances which has decreased to
0.74% from 0.78%.
* 18.03.2016 gÀAzÀÄ J.J¸ï.¹.©.UÉ ºÉÆðPÉ {XZm§H$ 18.03.2016 Ho$ AZwgma EEggr~r ASCB as on 18.03.2016
31£Éà ªÀiÁZïð£À ªÀµÁðAvÀåPÉÌ 31 _mM© H$mo g_má df© Year ended 31st March
2011 2012 2013 2014 2015 2016
MlÄÖ oÉêÀtÂUÀ¼ÀÄ Hw$b O_mE§ Aggregate Deposits(±ÉÃ. C©üªÀÈ¢Þ d¥{Õ H$s à{VeVVm Percentage of growth)
42,779
(11.3)
49,663
(16.1)
56,712
(14.2)
61,087
(7.7)
65,058
(6.5)
70,244
(8)
CzÀgÀ°è £Á£ï§¯ïÌ oÉêÀtÂUÀ¼ÀÄ (%) BZ_| go J¡a-WmoH$ O_mE± (%)Of which Non-Bulk Deposits (%)
29,844
(69.9)
35,041
(70.6)
42,360
(74.7)
50,753
(83.1)
53,431
(82.1)
62,167
(88.5)
£Á£ï§¯ïÌ oÉêÀtÂUÀ¼À ¨É¼ÀªÀtÂUÉ (%) J¡a-WmoH$ O_mAm| _| d¥{Õ (%) Growth in Non-Bulk Dep (%)
(7.7) (17.4) (20.9) (19.8) (5.3) (16.4)
ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä (%) O_mE± ~mOmar {hñgm (%) Deposits Market share (%)
0.79 0.78 0.83 0.76 0.76 0.73*
MlÄÖ ªÀÄÄAUÀqÀUÀ¼ÀÄ Hw$b A{J«_ Total Advances(±ÉÃ. C©üªÀÈ¢Þ d¥{Õ H$s à{VeVVm % of growth)
34,442
(15.3)
40,653
(18.0)
45,981
(13.1)
50,862
(10.6)
53,296
(4.8)
55,418
(4.0)
ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä (%) A{J«_ ~mOmar {hñgm (%) Advances Market share (%)
0.87 0.85 0.85 0.79 0.78 0.74*
(` PÉÆÃnUÀ¼À°è ` H$amoS> _| ` in crores)
2. ¨ÁåAQAUï PÁAiÀÄð¤ªÀðºÀuÉAiÀÄ CªÀ¯ÉÆÃPÀ£À
2.1. ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä ªÀÄvÀÄÛ ªÀåªÀºÁgÀ ¥ÀæUÀw: Fa£À ªÀµÀðUÀ¼À°è ¨ÁåAQ£À ªÀåªÀºÁgÀ ªÀÄlÖ ªÀÄvÀÄÛ ªÀiÁgÀÄPÀmÉÖ ¥Á®£ÀÄß PɼÀV£À PÉÆõÀÖPÀzÀ°è ¤ÃqÀ¯ÁVzÉ.
2. ~¢qH$J n[aMmbZ H$s g_rjm
2.1. ~mOmar {hñgm Am¡a ì`dgm` d¥{Õ: ~¢H$ Ho$ H$mamo~ma ñVa Am¡a hmb Ho$ dfm] _| ~mOma _| ^mJrXmar H$s pñW{V {ZåZ{bpIV h¡:
2.1.2. ¨ÁåAQ£À oÉêÀtÂUÀ¼À ¨É¼ÀªÀtÂUÉAiÀÄÄ
vÀÄA¨Á DPÀµÀðPÀªÁVzÀÄÝ, MlÄÖ oÉêÀtÂUÀ¼ÀÄ
±ÉÃ.8% gÀµÀÄÖ CAzÀgÉ `5,186 PÉÆÃn ¨É¼ÀªÀtÂUÉ
PÀArzÀÄÝ, `70,244 PÉÆÃnUÀ½UÉ vÀ®Ä¦zÉ. F
»A¢£ÀAvÉ, §ÈºÀvï ªÉÆvÀÛªÀ®èzÀ oÉêÀtÂUÀ¼À
¨É¼ÀªÀtÂUÉAiÀÄÄ ±ÉÃ.16.4% DVzÀÄÝ, C¢üPÀ ªÉZÀÑzÀ
§ÈºÀvï oÉêÀtÂUÀ¼À£ÀÄß PÀrªÉÄ ªÀiÁqÀĪÀ°è £ÁªÀÅ
¥Á°¸ÀÄwÛgÀĪÀ ¤ÃwAiÀÄ°è ¸À¥sÀ®gÁVzÉÝêÉ.
DzÀgÉ ªÀÄÄAUÀqÀUÀ¼À ¨É¼ÀªÀtÂUÉAiÀÄÄ
ªÀÄAzÀUÀwAiÀÄ°èzÀÄÝ EzÀPÉÌ PÁ¥ÉÇðgÉÃmï
ªÀ®AiÀÄzÀ ªÀÄÄAUÀqÀUÀ¼À°è DzÀ PÀrªÉÄ
¥ÀæªÀiÁtzÀ ªÀÈ¢Þ PÁgÀtªÁVzÉ. MlÄÖ
ªÀÄÄAUÀqÀUÀ¼ÀÄ ±ÉÃ.4.0 gÀµÀÄÖ, CAzÀgÉ `2,122
PÉÆÃn ¨É¼ÀªÀtÂUÉ PÀArzÀÄÝ, `55,418
PÉÆÃnAiÀÄ£ÀÄß vÀ®Ä¦zÉ. 18.03.2016gÀAvÉ,
oÉêÀtÂUÀ¼À°è ¨ÁåAQ£À ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä
±ÉÃ.0.73PÉÌ E½PÉAiÀiÁVzÉ ªÀÄvÀÄÛ ªÀÄÄAUÀqÀUÀ¼À°è
¨ÁåAQ£À ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä ±ÉÃ. 0.78 jAzÀ
±ÉÃ.0.74PÉÌ vÀĸÀÄ E½PÉAiÀiÁVzÉ.
2.1.2. O_mAm| _| d¥{Õ àe§gZr` ahr h¡& Hw$b O_m {nN>bo df© go ̀ 5,186 H$amo ‹S> H$s d¥{Õ Ho$ gmW `70,244 H$amo ‹S> Ho$ ñVa na nhþ§Mo {Og_| 8% H$s d¥{Õ hþB©& {nN>br àd¥{Îm Ed§ Cƒ bmJV O_m/WmoH$ O_mAm| H$mo N>moS>Zo H$s h_mar gKZ Zr{V Ho$ H$maU J¡a WmoH$ O_mAm| _| 16.4% H$s d¥{Õ hþB©&
{\$a ^r, X_ZH$mar {Zdoe _mhm¡b Ho$ H$maU A{J«_m| Am¡a {deof ê$n go H$m°nm}aoQ> joÌ _| A{J«_m| _| H$_r Ho$ MbVo A{J«_m| _| d¥{Õ H$_Omoa ahr& Hw$b A{J«_ {nN>bo df© go `2,122 H$amo ‹S> H$s d¥{Õ Ho$ gmW `55,418 H$amo ‹S> Ho$ ñVa na nhþ§Mo {Og_| 4.0% H$s d¥{Õ hþB©& 18.03.2016 Ho$ AZwgma O_mAm| _| ~¢H$ H$m ~mOmar {hñgm KQ>H$a 0.73% hmo J`m Am¡a A{J«_m| _| ~¢H$ H$m ~mOmar {hñgm 0.78% go {JaH$a 0.74% hmo J`m&
-
ANNUAL REPORT 2015 - 16
STATE BANK OF MYSORE 10
MlÄÖ DzÁAiÀÄ Hw$b Am` TOTAL INCOME
Interest from Adv.
Interest from Others
Treasury Income
Commission
(incl. Govt. Comm)
Others
69%
21%
7%
2%
1%
2.2 Key Performance Indicators
PÀæ.¸ÀA.H«$.g§.Sl. No.
ªÀÄÄSÁåA±ÀUÀ¼ÀÄ CnbpãY`m§ Key Indicators 2012-13 2013-14 2014-15 2015-16
1. ¤ªÀé¼À ¯Á¨sÀ (` PÉÆÃnUÀ¼À°è) {Zdb bm^ (` H$amoS>m| _|) Net Profit (`. in crs) 416.10 274.25 409 3582. D¹ÛUÀ¼À ¥Àæw¥sÀ® (%) AmpñV`m| na à{Vbm^ (%) Return on Assets (%) 0.66 0.40 0.54 0.443. FQén µÉÃgÀÄUÀ¼À ¥Àæw¥sÀ® (%) B©{¹$Q>r na à{Vbm^ (%) Return on Equity (%) 11.05 6.84 9.40 7.684. ªÉZÀÑ-DzÁAiÀÄ C£ÀÄ¥ÁvÀ (%)* ì``-Am` AZwnmV (%)* Expenses – Income Ratio (%)* 46.26 53.40 53.34 57.225. ¥Àæw µÉÃj£À UÀ½PÉ (` UÀ¼À°è)* à{Veo`a AO©Z (` _|)* Earnings per Share (in `.)* 88.91 57.39 85 75
6.MlÄÖ ªÀÄÄAUÀqÀUÀ½UÉ MlÄÖ ¤¶ÌçAiÀÄ D¹ÛUÀ¼À C£ÀÄ¥ÁvÀ (%)* gH$b A{J«_m| _| gH$b AZO©H$ AmpñV`m§ (%)* Gross NPA to Gross Advances (%)* 4.53 5.54 4.00 6.56
7.¤ªÀé¼À ªÀÄÄAUÀqÀUÀ½UÉ ¤ªÀé¼À ¤¶ÌçAiÀÄ D¹ÛUÀ¼ÀÄ (%)* {Zdb A{J«_ _| {Zdb AmpñV`m§ (%)* Net NPA to Net Advance (%)* 2.69 3.29 2.16 4.18
8. oÉêÀt ªÉZÀÑ O_m bmJV Cost of Deposit (%)* 7.32 7.21 7.25 6.879. ªÀÄÄAUÀqÀUÀ¼À ¥Àæw¥sÀ® A{J«_m| na àm{á Yield on Advances (%)* 11.62 10.93 11.11 10.49
10. ¤ªÀé¼À §rØ CAvÀgÀ EZAmB©E_ NIM (%)* 3.22 3.02 2.98 2.84
* Due to compliance with RBI guidelines
on Asset Quality Review, the Bank had to
make substantially much higher provision
on Standard/Restructured advances,
thereby adversely impacting the Asset
Quality and profitability parameters.
2.3. Income
Total Income of the Bank increased by
3%, from `7,708 crs as at March 2015
to `7,938 crs in March 2016. Interest
Income increased from `6,940 crs to
`7,128 crs (2.7%). Average Yield on
Advances declined from 11.11% during
2014-15 to 10.49% during 2015-16,
while Average Yield on Investments
decreased from 7.74% in March 2015
to 7.72% during the same period. Non-
Interest Income increased marginally
by 5% from `767 crs to `810 crs. The
ratio of Non-Interest Income to Total
Income, therefore, stood at 10.20%
(9.96% last year).
2.4. Expenses
The Total Expenditure (before provisions
and contingencies) increased by `310
crs, from `6,376 crs in 2014-15 to
`6,686 crs in 2015-16. While Interest
Expenses increased by `159 crs
* Dgï©L ªÀiÁUÀðzÀ±Àð£ÀUÀ¼À C£ÀĸÁgÀ D¹ÛUÀ¼À UÀÄtªÀÄlÖ ¥ÀÄ£ÀgÁªÀ¯ÉÆÃPÀ£ÀªÁVzÉ. CzÀgÀAvÉ ²µÀÖ/ªÀÄgÀÄgÀavÀ ªÀÄÄAUÀqÀUÀ½UÀAvÀÆ C¢üPÀ «ÄøÀ®Ä Ej¸À¨ÉÃPÁVzÉ. EzÀÄ D¹ÛUÀ¼À UÀÄtªÀÄlÖ ªÀÄvÀÄÛ ¯Á¨sÀzÀ ªÉÄÃ¯É ªÀåwjPÀÛ ¥ÀjuÁªÀÄ ©ÃjzÉ.
* AmpñV JwUdÎmm g_rjm na Ama~rAmB© {Xem{ZX}em| Ho$ AZwnmbZ Ho$ H$maU ~¢H$ H$mo _mZH$/ nwZgªa{MV A{J«_m| na A{YH$ CƒrVa àmdYmZ H$aZm n‹S>m, {OgHo$ H$maU AmpñV JwUdÎmmm Am¡a bm^àXVm _mZH$m| na à{VHy$b à^md n‹S>m&
2.2 {d{eï> CnbpãY gyÀ`m§H$ 2.2 ¸ÁzsÀ£ÉAiÀÄ ªÀÄÄSÁåA±ÀUÀ¼ÀÄ
2.3. DzÁAiÀÄ:
¨ÁåAQ£À MlÄÖ DzÁAiÀĪÀÅ ±ÉÃ. 3gÀµÀÄÖ C©üªÀÈ¢ÞAiÀiÁVzÀÄÝ, ªÀiÁZïð 2015gÀ°è `7708 PÉÆÃn EzÀÝ MlÄÖ DzÁAiÀĪÀÅ ªÀiÁZïð 2016gÀ°è `7938 PÉÆÃnUÀ½UÉÃjzÉ. §rØ DzÁAiÀĪÀÅ ̀ 6940 PÉÆÃnUÀ½AzÀ ̀ 7128 PÉÆÃnUÉ KjzÉ (2.7%). ªÀÄÄAUÀqÀUÀ¼À ªÉÄð£À
2.3. Am`~¢H$ H$s Hw$b Am` _| 3% H$s d¥{Õ hþB© Omo _mM© 2015 Ho$ `7,708 H$amo‹S> go ~T>H$a _mM© 2016 VH$ `7,938 H$amo‹S> VH$ nhþ±Mr& ã`mO Am` `6,940 H$amo‹S> go `7,128 H$amo‹S> VH$ d¥{ÕV hþB© (2.7%)& A{J«_m| na Am¡gV àm{á 2014-15 Ho$ 11.11% go KQ>H$a df© 2015-16 Ho$ Xm¡amZ 10.49% hmo
-
STATE BANK OF MYSORE11
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
MlÄÖ ªÉZÀÑUÀ¼ÀÄ Hw$b ì`` TOTAL EXPENDITURE
Interest paid on Deposits
Other Interest Paid
Staff Expenses
Overheads
70%
15%
5%
10%
(3.3%), the Operating Expenses
increased by `150 crs (9.9%) during
the current year. The Average Cost of
Deposits however declined from 7.25%
in March,2015 to 6.87% in March,2016
owing to cut in Policy/Bank rate and its
transmission to customer, increase in
CASA share from 33.73% (31.03.15) to
34.6% (31.03.16) beside decrease in
higher cost bulk deposits.
2.5. Profit
The Operating Profit declined from
`1,331 crs in 2014-15 to `1,252 crs in
2015-16 , the Net Profit declined from
`409 crs to `358 crs .The decline in
Operating Profit has been moderate @
6% with Interest expenses increasing
by only 3%, despite increase in deposit
base and consequently rise in cost
of servicing in the form of Staff and
Overheads. However decline in Net
Profit has been steeper by 12%
over previous year, consequent upon
additional provisioning warranted by
AQR.
2.6. Dividend
Keeping in mind the need to
strengthen Tier I capital of the Bank
in the current economic scenario,
the Board of Directors has declared
¸ÀgÁ¸Àj UÀ½PÉAiÀÄÄ 2014-15gÀ°èzÀÝ ±ÉÃ.11.11 jAzÀ 2015-16gÀ°è ±ÉÃ. 10.49PÉÌ E½PÉAiÀiÁVzÉ. EzÉà CªÀ¢üAiÀÄ°è, «¤AiÉÆÃd£ÉUÀ¼À ªÉÄð£À ¸ÀgÁ¸Àj DzÁAiÀĪÀÅ ±ÉÃ.7.74 jAzÀ ±ÉÃ.7.72PÉÌ E½PÉAiÀiÁVzÉ. §rØAiÉÄÃvÀgÀ DzÁAiÀÄzÀ°è ±ÉÃ.5gÀµÀÄÖ ¸ÁªÀiÁ£Àå KjPÉAiÀiÁVzÉ. EzÀÄ `767 PÉÆÃnUÀ½AzÀ `810 PÉÆÃnUÀ½UÉ KjzÉ, §rØAiÉÄÃvÀgÀ DzÁAiÀÄzÀ C£ÀÄ¥ÁvÀªÀÅ MlÄÖ DzÁAiÀÄzÀ ±ÉÃ.10.20 gÀ¶ÖzÉ. (»A¢£À ªÀµÀð 9.96%)
2.4. ªÉZÀÑUÀ¼ÀÄ
MlÄÖ ªÉZÀÑ (ªÀÄÄ£ÉßÃ¥ÁðlÄ ªÀÄvÀÄÛ ¸Á¢¯ÁégÀÄUÀ½UÉ ªÀÄÄ£Àß) `310 PÉÆÃnAiÀĵÀÄÖ ºÉZÀѼÀUÉÆArzÉ. EzÀÄ 2014-15 gÀ°è `6376 PÉÆÃn DVzÀÄÝ, 2015-16gÀ°è `6686 PÉÆÃn DVzÉ. §rØ ªÉZÀѪÀÅ `159 PÉÆÃnUÀ¼ÀµÀÄÖ (±ÉÃ. 3.3) ºÉZÀѼÀUÉÆArzÉ. F ªÀµÀ𠤪ÀðºÀuÁ ªÉZÀѪÀÅ `150 PÉÆÃn (±ÉÃ. 9.9) UÀ¼ÀµÀÄÖ ºÉZÀѼÀUÉÆArzÉ. ¨ÁåAPï zÀgÀ/¤ÃwAiÀÄ°è PÀrvÀªÀiÁr CzÀ£ÀÄß UÁæºÀPÀjUÉ ªÀUÁð¬Ä¹zÀÝjAzÀ F ªÀµÀð oÉêÀtÂUÀ¼À ªÉÄð£À ¸ÀgÁ¸Àj ªÉZÀѪÀÅ ªÀiÁZïð 2015gÀ°è ±ÉÃ.7.25 EzÀÝzÀÄÝ, ªÀiÁZïð 2016gÀ°è ±ÉÃ.6.87PÉÌ PÀrvÀUÉÆArzÉ. CASA oÉêÀtÂUÀ¼À ¥Á®Ä ±ÉÃ.33.73 jAzÀ (31.3.2015) ±ÉÃ.34.6 PÉÌ (31.03.2016) KjPÉAiÀiÁVzÀÄÝ, ºÉaÑ£À §rØAiÀÄ §ÈºÀvï ªÉÆvÀÛzÀ oÉêÀtÂUÀ¼À E½PÉAiÀiÁVzÉ.
2.5. ¯Á¨sÀ
¨ÁåAQ£À ¤ªÀðºÀuÁ ¯Á¨sÀªÀÅ 2014-15gÀ°è `1331 PÉÆÃn EzÀÝzÀÄÝ, 2015-16gÀ°è `1252 PÉÆÃnUÀ½UÉ E½PÉAiÀiÁVzÉ. ¤ªÀé¼À ¯Á¨sÀªÀÅ `409 PÉÆÃnUÀ½AzÀ, `358 PÉÆÃnUÀ½UÉ E½PÉAiÀiÁVzÉ. ªÀÄÄAUÀqÀUÀ¼À ªÉÄð£À DzÁAiÀÄzÀ°è PÉêÀ® ±ÉÃ. 3 gÀµÀÄÖ ªÀÈ¢Þ, oÉêÀtÂAiÀÄ ªÀÄÆ®zÀ°è ªÀÈ¢Þ ºÁUÀÆ ¹§âA¢ ºÁUÀÆ EvÀgÉ RZÀÄðUÀ¼À°è ºÉZÀѼÀªÁVzÀÝgÀÆ ¤ªÀðºÀuÁ ¯Á¨sÀzÀ°è ±ÉÃ. 6gÀµÀÄÖ C®à »£ÀßqÉAiÀiÁUÉzÉ. DzÀgÉ »A¢£À ªÀµÀðPÉÌ ºÉÆð¹zÁUÀ ¤ªÀé¼À ¯Á¨sÀzÀ°è DVgÀĪÀ ±ÉÃ. 12 gÀ C¢üPÀ »£ÀßqÉAiÀÄÄ D¹Û UÀÄtªÀÄlÖ ¤ªÀðºÀuÉUÁV ªÀiÁrzÀ ºÉaÑ£À ªÀÄÄ£ÉߥÁðlÄ PÁgÀt¢AzÁVzÉ.
JB© O~{H$ Bgr Ad{Y _| {Zdoem| na Am¡gV àm{á _mM© 2015 Ho$ 7.74% go 7.72% VH$ H$_ hþB©& ã`mOoVa Am` _| `767 H$amo‹S> go `810 H$amo‹S> VH$ 5% H$s gr_m§V d¥{Õ hþB©& Bg{bE Hw$b Am` _| ã`mOoVa Am` H$m AZwnmV 10.20% ({nN>bo df© 9.96%) Ho$ ñVa na nhþ±Mm&
2.4. ì``
Hw$b ì`` (àmdYmZm| Am¡a AmH$pñ_H$VmAm| go nyd©) _| `310 H$amo‹S> H$s d¥{Õ hþB© Omo df© 2014-15 Ho$ `6,376 H$amo‹S> go df© 2015-16 _| `6,686 H$amo‹S> VH$ nhþ±Mm& Mmby df© Ho$ Xm¡amZ ã`mO ì`` _| `159 H$amo‹S> (3.3%), n[aMmbZ ì`` _| `150 H$amo‹S> (9.9%) H$s d¥{Õ hþB©& hbm§{H$ Zr{VJV/ ~¢H$ Xam| _| H$Q>m¡Vr Am¡a CZHo$ J«mhH$ H$mo A§VaU Ho$ H$maU O_mAm| Ho$ Am¡gV _yë` _mM© 2015 _| 7.25% go _mM© 2016 _| 6.87% VH$ KQ> JE& H$mgm {hñgo _| 33.73% (31.03.2015) go 34.6% (31.03.2016) H$s d¥{Õ Am¡a Cƒ bmJV WmoH$ O_mAm| _| {JamdQ> AmB©&
2.5. bm^
n[aMmbZr` bm^ df© 2014-15 Ho$ `1,331 H$amo‹S> go KQ>H$a df© 2015-16 _| `1,252 hmo J`m O~{H$ {Zdb bm^ `409 H$amo‹S> go KQ>H$a `358 H$amo‹S> hmo J`m& ã`mO ì`` Ho$db 3% H$s ~moËVar O_m AmYma _| d¥{Õ Ho$ ~mdOyX ñQ>m\$ ì`` Ed§ Cn[aì``m| H$s d¥{Õ Ho$ n[aUm_ñdê$n n[aMmbZr` bm^ _| 6% H$s gmYmaU H$_r AmB©& {\$a ^r {nN>bo dfm] H$s VwbZm _| {Zdb bm^ _| 12% H$s ^mar H$_r AmB©, {OgH$m H$maU EŠ ỳAma _| dm§{N>V A{V[aŠV àmdYmZrH$aU ahm&
-
ANNUAL REPORT 2015 - 16
STATE BANK OF MYSORE 12
MlÄÖ oÉêÀt Hw$b O_m am{e AGGREGATE DEPOSITS
70000
60000
50000
40000
30000
20000
10000
0 2012 2013 2014 2015 2016
49663
5761261087
65058
70244
(` in Crores)
a dividend of 60% (`6 per Equity
share of `10/-) for the year 2015-
16. This involved a pay-out of `28.80
crs, excluding the tax component.
The pay-out ratio for dividend works
out to 8.05%, as against 7.05% for
2014-15.
3. BUSINESS REVIEW
3.1. Deposits :
Total Deposits of the Bank grew by
`4,505 crs, to reach the level of ̀ 70,569
crs. Aggregate Deposits (total deposits
excl. inter Bank deposits) stood at
`70,244 crs as at March 2016,
recording a growth of `5,186 crs
(8%) during the year. The share of
CASA deposits to Aggregate Deposits
increased from 33.73% in March 2015
to 34.6% in March 2016.
3.1.1. Personal Segment Deposits
Personal segment deposits grew by
`5,164 crs, registering a growth of
13.5% to reach a level of `43,507
crs as on 31st March 2016 and now
account for 62% of total deposit. NRE
deposit registered a growth of 17%,
SB by 16% and Term Deposit by 13%.
The number of deposit accounts under
Personal segment have increased by
8,92,123 during the year.
2.6. ¯Á¨sÁA±À: (r«qÉAqï)
¥Àæ¸ÀPÀÛ DyðPÀ ¸À¤ßªÉñÀzÀ°è ¨ÁåAQ£À ªÉÆzÀ®£ÉAiÀÄ ¸ÀÛgÀzÀ §AqÀªÁ¼ÀªÀ£ÀÄß §®¥Àr¸ÀĪÀ zÀȶ֬ÄAzÀ, 2015-16£Éà ¸Á°UÉ ±ÉÃ.60 ¯Á¨sÁA±ÀªÀ£ÀÄß (`10/- ªÀÄÄR¨É¯ÉAiÀÄ ¥Àæw FQén µÉÃj£À ªÉÄÃ¯É `6 r«qÉAqï) ¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄÄ WÉÆö¹zÉ. EzÀgÀ MlÄÖ ¥ÁªÀw ªÉÆvÀÛªÀÅ, vÉjUÉ ¨Á§ÄÛ ºÉÆgÀvÀÄ¥Àr¹ `28.80 PÉÆÃnUÀ¼ÁVªÉ. ¥ÁªÀw C£ÀÄ¥ÁvÀªÀÅ 2014-15PÉÌ ºÉÆ°¹zÁUÀ ±ÉÃ.7.05 jAzÀ 8.05 gÀµÁÖVzÉ.
3. ªÀåªÀºÁgÀ ¸À«ÄÃPÉë
3.1. oÉêÀtÂUÀ¼ÀÄ
¨ÁåAQ£À ¸ÀªÀÄUÀæ oÉêÀtÂUÀ¼ÀÄ `4,505 PÉÆÃn ºÉZÀѼÀUÉÆArzÀÄÝ, MlÄÖ `70,569 PÉÆÃnUÀ¼À£ÀÄß vÀ®Ä¦zÉ. MlÄÖ oÉêÀtÂUÀ¼ÀÄ (¸ÀªÀÄUÀæ oÉêÀtÂAiÀÄ°è CAvÀgï ¨ÁåAPï oÉêÀt ºÉÆgÀvÀÄ¥Àr¹) ªÀiÁZïð 2016gÀ°è `70,244 PÉÆÃn DVzÀÄÝ, `5,186 PÉÆÃn (8%) ºÉZÀѼÀ PÀArªÉ. MlÄÖ oÉêÀtÂAiÀÄ°è CASA oÉêÀtÂUÀ¼À ¥Á®Ä ªÀiÁZïð 2015gÀ°è ±ÉÃ.33.73 EzÀÝzÀÄÝ, ªÀiÁZïð 2016gÀ°è ±ÉÃ.34.6PÉÌ KjPÉAiÀiÁVzÉ.
3.1.1. ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ oÉêÀtÂUÀ¼ÀÄ
ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ oÉêÀtÂUÀ¼ÀÄ ̀ 5,164 PÉÆÃn ¨É¼ÀªÀtÂUÉ PÀArzÀÄÝ, 13.5% ̈ ɼÀªÀtÂUÉAiÉÆA¢UÉ 31£Éà ªÀiÁZïð 2016gÀAzÀÄ `43,507 PÉÆÃn vÀ®Ä¦zÀÄÝ EzÀÄ MlÄÖ oÉêÀtÂAiÀÄ ±ÉÃ. 62 gÀ¶ÖzÉ. J£ïDgïE oÉêÀt 17%, G½vÁAiÀÄ oÉêÀt 16%, CªÀ¢ü oÉêÀt 13% C©üªÀÈ¢Þ DVªÉ. ¥Àæ¸ÀPÀÛ ªÀµÀðzÀ°è, F ªÀµÀð ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ°è 8,92,123 SÁvÉUÀ¼ÀÄ ºÉZÀѼÀUÉÆArªÉ.
3.1.2 ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ oÉêÀtÂUÀ¼À ¨É¼ÀªÀtÂUÉ ºÉaѸÀ¯ÉAzÀÄ, 10-18 ªÀµÀðzÀ «zÁåyðUÀ½UÁV “«zÁåyð ̧ ÀAZÀAiÀiï” JA§ ¸ÉëAUïì SÁvÉ ºÁUÀÆ ¤UÀ¢vÀ CªÀ¢üAiÉƼÀUÉ »A¥ÀqÉAiÀįÁUÀzÀ `15 ¯PÀë¢AzÀ `10 PÉÆÃnAiÀĪÀgÉV£À C¢üPÀ §rØ ºÉÆA¢zÀ “ªÉÄÊ ¨ÁåAPï ¸ÀÄzsÀ£ï” JA§ JgÀqÀÄ ºÉƸÀ oÉêÀt AiÉÆÃd£ÉUÀ¼À£ÀÄß ¥ÀjZÀ¬Ä¸À¯ÁVzÉ.
2.6. bm^m§e
dV©_mZ Am{W©H$ n[adoe H$mo Ü`mZ _| aIVo hþE, ~¢H$ Ho$ Q>m`a-I H$mo _O~yV H$aZo Ho$ CÔoí` go {ZXoeH$ _§S>b Zo df© 2015-16 Ho$ {bE 60% H$m A§V[a_ bm^m§e (`10/- Ho$ à{V B©{¹$Q>r eo`a na `6.00) Kmo{fV {H$`m h¡& `h am{e, H$a N>moS>H$a `28.80 H$amo‹S> hmoJr& ^wJVmZ AZwnmV df© 2014-15 Ho$ 7.05% Ho$ à{V df© 2015-16 _| 8.05% hmoVm h¡&
3. ì`dgm{`H$ g_rjm
3.1. O_mE§:
~¢H$ H$s Hw$b O_m _| `4,505 H$amo‹S> H$s d¥{Õ hþB© Am¡a ̀ h ̀ 70,569 H$amo‹S> H$m ñVa na nhþ±Mr& g_J« O_m am{e (A§Va ~¢H$ O_m H$mo N>mo‹S>H$a Hw$b O_mE±) _mM© 2016 VH$ `70,244 H$amo‹S> VH$ nhþ±Mr {Og_| `5,186 H$amo‹S> (8%) H$s ~T>moÎmar XO© hþB©& Hw$b O_m _| H$mgm O_m _mM© 2015 Ho$ 33.73% go _mM© 2016 34.6% VH$ d¥{ÕV hþB©&
3.1.1. d¡`{º$H$ IÊS> O_mE±
d¡`{º$H$ IÊS> O_m Ho$ VhV `5,164 H$amo‹S> H$s d¥{Õ hþB© {Og_| 13.5% H$s d¥{Õ XO© hþB© Am¡a 31 _mM© 2016 VH$ `43,507 H$amo‹S> H$m ñVa nhþ±Mr Am¡a A~ `h Hw$b O_mAm| H$m 62% h¡& EZAmaB© O_mAm| _| 17%, Eg~r _| 16% Am¡a gmd{Y O_mAm| _| 13% H$s d¥{Õ XO© hþB©& df© Ho$ Xm¡amZ, d¡`{º$H$ IÊS> Ho$ A§VJ©V O_m ImVm| H$s g§»`m _| 8,92,123 H$s ~T>moÎmar hþB© h¡&
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STATE BANK OF MYSORE13
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
MlÄÖ ªÀÄÄAUÀqÀ Hw$b A{J«_ TOTAL ADVANCES
60000
50000
40000
30000
20000
10000
0 2011 2012 2013 2014 2015 2016
34,442
45,981
53,296
40,653
50,86255,418
(` in Crores)
3.1.2 To further boost deposits growth
under Personal segment, two new
deposit products were introduced viz.
“Vidyarthi Sanchay” - a Savings Bank
account Scheme targeting students
in the age group of 10-18 years and
“Mybank Sudhan” - a Non-callable Term
Deposit scheme in the range of `15 lac
to ̀ 10 cr with additional interest incentive
for foregoing the option of premature
payment of deposits.
3.1.3 DEPOSITORS EDUCATION
AND AWARENESS FUND
(DEAF) SCHEME 2014
“Pursuant to the amendment of the
Banking Regulation Act, 1949, and under
the provision of section 26A inserted, the
amount to the credit of any account in
India with any Bank, which has not been
operated upon for a period of 10 years
and more shall be credited to the Fund
within a period of three months from
the expiry of said period of ten years.
The amount due under the Scheme is
to be transferred to DEAF account with
Reserve Bank of India before closing of
the banking hours of the last working day
of every month”.
‘The Bank has so far transferred a sum
of ̀ 57.95 crs to DEAF account from June
2014 to December 2015 and submitted
claims to the extent of `28.75 lac in
respect of 75 accounts.’
3.2. Credit Expansion
3.2.1. The total advances of the
Bank increased from `53,296 crs to
`55,418 crs, thus registering a growth of
`2,122 crs (4.0%) during the year. Net
advances (i.e. net of NPA related/floating
Provisions, and outstanding under Staff
Festival Advance) of the Bank increased
from `52,025 crs in March 2015 to
`53,954 crs. Credit Deposit Ratio of
the Bank decreased from 81.9% in
March 2015 to 79.67% in March 2016
due to our highly selective approach in
taking further exposure in the Corporate
sector which has registered a decline of
3%.However other retail Segments have
registered overall 11.3% growth.
3.1.3 oÉêÀtÂzÁgÀgÀ ²PÀët ªÀÄvÀÄÛ eÁUÀÈw ¤¢ü (rEJJ¥sï) 2014 AiÉÆÃd£É
¨ÁåAQAUï ¤AiÀÄAvÀæt PÁ¬ÄzÉ 1949gÀ ¨sÁUÀ 26(J)UÉ DzÀ wzÀÄÝ¥ÀrUÉ C£ÀĸÁgÀªÀV AiÀiÁªÀÅzÉà ¨ÁåAQ£À°ègÀĪÀ AiÀiÁªÀÅzÉà SÁvÉAiÀÄ°è ºÀvÀÄÛ ªÀµÀðUÀ¼ÀªÀgÉUÉ ªÀåªÀºÁgÀ ¤ªÀðºÀuÉ DUÀ¢zÀÝ°è D SÁvÉAiÀÄ°è£À oÉêÀtÂAiÀÄ£ÀÄß Dgï©L£À°ègÀĪÀ rEJJ¥sï SÁvÉUÉ ªÀUÁð¬Ä¸À¨ÉÃPÉA§ ¤AiÀĪÀĪÀ£ÀÄß ¨ÁåAPÀÄ ¥Á°¸ÀÄwÛzÉ. F ªÀUÁðªÀuÉ ¥ÀæQæAiÉÄ ¥Àæw wAUÀ¼À PÉÆ£ÉAiÀÄ PÁAiÀÄð¤ªÀðºÀuÁ ¢£ÀzÀAzÀÄ ¨ÁåAQAUï ªÀåªÀºÁgÀ ¸ÀªÀÄAiÀÄ ªÀÄÄPÁÛAiÀÄPÉÌ ªÉÆzÀ®Ä ªÀiÁqÀ¨ÉÃPÁUÀÄvÀÛzÉ.
CzÀgÀAvÉ dÆ£ï 2014jAzÀ r¸ÉA§gï 2015gÀªÀgÉUÉ `57.95 PÉÆÃnUÀ¼À£ÀÄß rEJJ¥sï SÁvÉUÉ ªÀUÁð¬Ä¹zÉ ºÁUÀÆ 75 SÁvÉUÀ¼À `28.75 ®PÀëzÀµÀÄÖ PÉèöʪÀÄ£ÀÄß ¸À°è¸À¯ÁVzÉ.
3.2. GzÀj «¸ÀÛgÀuÉ
3.2.1. ¨ÁåAQ£À MlÄÖ ªÀÄÄAUÀqÀUÀ¼ÀÄ `53,296 PÉÆÃnUÀ½AzÀ `55,418 PÉÆÃnUÀ½UÉ KjPÉAiÀiÁVzÀÄÝ, F ªÀµÀð `2,122 PÉÆÃn (4.0%) ºÉZÀѼÀªÁVzÉ. ¨ÁåAQ£À ¤ªÀé¼À ¸Á®UÀ¼ÀÄ (¤¶ÌçAiÀÄ D¹ÛUÀ¼À «ÄøÀ®Ä ªÀÄvÀÄÛ ¹§âA¢UÉ ºÀ§âzÀ ªÀÄÄAUÀqÀUÀ¼À ¤ªÀé¼À ªÉÆvÀÛ) 31£Éà ªÀiÁZïð 2015gÀ°èzÀÝ `52,025 PÉÆÃnUÀ½AzÀ 31£Éà ªÀiÁZïð 2016PÉÌ `53,954 PÉÆÃnUÀ½UÉ KjzÉ. ¨ÁåAQ£À GzÀj oÉêÀt C£ÀÄ¥ÁvÀªÀÅ 31£Éà ªÀiÁZïð 2015gÀ ±ÉÃ. 81.9%jAzÀ 31£Éà ªÀiÁZïð 2016gÀ°è 79.67% gÀ¶ÖzÀÄÝ 3% E½PÉAiÀiÁVzÉ. PÁ¥ÉÇðgÉÃmï ªÀ®AiÀÄzÀ°è £ÁªÀÅ
3.1.2 d¡`{º$H$ I§S> Ho$ VhV O_mAm| _| d¥{Õ H$mo Am¡a ~mZo Ho$ {bE Xmo ZE CËnmX `Wm ‘{dÚmWu g§M`’ - 10-18 df© Ho$ Am`w dJ© Ho$ {dÚm{W©`m| H$mo b{jV H$aVo hþE ~MV ~¢H$ ImVm ̀ moOZm VWm ‘_¡~¢H$ gwYZ’ - O_mAm| Ho$ n[anŠdVmnyd© ŵJVmZ Ho$ {dH$ën H$mo N>mo‹S>Vo hþE A{V[aŠV ã`mO àmoËgmohZ Ho$ gmW `15 bmI go `10 H$amo‹S> Ho$ ~rM Zm°Z H$mbo~b gmd{Y O_m `moOZm ewê$ H$s JB©&
3.1.3 O_mH$Vm© {ejm Ed§ OmJê$H$Vm H$mof (S>rB©EE\$) `moOZm 2014
~¢qH$J {d{Z`_Z A{Y{Z`_, 1949 _| g§emoYZ AZwgma Am¡a Omo‹S>o JE Ymam 26(E) Ho$ àmdYmZ Ho$ VhV ̂ maV _| {H$gr ̂ r ~¢H$ _| {H$gr ^r ImVo _| ahr O_m am{e, Omo 10 df© go Cggo A{YH$ H$s Ad{Y Ho$ {bE n[aMm{bV Zht {H$`m J`m h¡, H$mo 10 df© H$s H${WV Ad{Y g_má hmoZo Ho$ ~mX VrZ _mh H$s Ad{Y _| H$mof _| O_m H$adm`m OmZm Mm{hE& `moOZm Ho$ VhV ~H$m`m am{e H$mo àË`oH$ _mh Ho$ A§{V_ H$m`© {Xdg Ho$ ~¢qH$J g_` g_má hmoZo go nhbo ^maVr` [aOd© ~¢H$ Ho$ S>rB©EE\$ ImVo _| O_m H$adm`m OmZm Mm{hE&
OyZ 2014 go {Xg§~a 2015 Ho$ ~rM ~¢H$ Zo A~ VH$ S>rB©EE\$ ImVo _| `57.95 H$amo‹S> A§V[aV {H$E h¢ Am¡a 75 ImVm| Ho$ g§X^© _| `28.75 bmI Ho$ Xmdo àñVwV {H$E h¢&
3.2. F$U {dñVaU
3.2.1. ~¢H$ Ho$ Hw$b A{J«_ `53,296 H$amo‹S> go `55,418 H$amo‹S> VH$ d¥{ÕV hþE {Og_| df© Ho$
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ANNUAL REPORT 2015 - 16
STATE BANK OF MYSORE 14
3.2.2 Corporate Network:
Our Bank has a Corporate Network
consisting of 11 large branches spread
over Metro and other big centers of
the country, for catering to the needs
of large Corporates.
The Corporate Network of the Bank
has achieved a business level of
`29,949.96 crs, comprising `3,156.72
crs of deposits & `26,793.24 crs of
advances, as on 31.03.2016. The
credit by CNW branches account for
48% of the total advance and 89% of
the C&I advance of our Bank.
The prolonged sluggishness in the
economy has impacted growth of
Corporate advances portfolio. To
counter the growth of impaired assets,
the Bank has been consciously moving
its portfolio to investment grade
and above [BBB or above], which
accounts for 64% of total advances.
This strategy has started yielding
desired results.
The present high incidence of NPAs
particularly in the Corporate sector
can be attributed to RBI guidelines on
Asset Quality Review, necessitating
reclassification of restructured
advances as NPA. The guidelines
has impacted the bottom line of all
the Banks with varying degree of
severity.
Bank has undertaken a slew
of measures like recoveries &
rectifications under JLF, sale of assets
and prudential write offs to offset the
rising NPA due to market / industry/
economic scenario.
• Total Forex Turnover of CNW was
at `59,688.57 crs, accounting for
91% of the total Bank’s Forex
Turnover and contributes 88% of
total Forex earnings of the Bank.
• The growth in AAA to A grade of
advances [ECR] is 41%.
ºÉaÑ£À jÃwAiÀÄ°è DAiÉÄÌ «zsÁ£À C£ÀĸÀj¹zÀÄÝ EzÀPÉÌ PÁgÀtªÁVzÉ. DzÀgÉ C£Àå jÃmÉÃ¯ï «¨sÁUÀªÀÅ ±ÉÃ. 11.3 gÀµÀÄÖ ¥ÀæUÀwAiÀÄ£ÀÄß ¸Á¢ü¹zÉ.
3.2.2 PÁ¥ÉÆðgÉÃmï ¸ÀA¥ÀPÀðeÁ®
«±Á®¸ÀégÀÆ¥ÀzÀ PÁ¥ÉÆðgÉÃmï ¸ÀA¸ÉÜUÀ¼À CªÀ±ÀåPÀvÉUÀ¼À£ÀÄß ¥ÀÆgÉʸÀĪÀ ¸À®ÄªÁV, zÉñÀzÀ ªÀĺÁ£ÀUÀgÀ ªÀÄvÀÄÛ EvÀgÀ zÉÆqÀØ £ÀUÀgÀUÀ¼À°ègÀĪÀ 11 ±ÁSÉUÀ¼À£ÉÆß¼ÀUÉÆAqÀ PÁ¥ÉÆðgÉÃmï eÁ®ªÀ£ÀÄß ¨ÁåAPÀÄ ºÉÆA¢zÉ.
¨ÁåAQ£À PÁ¥ÉÆðgÉÃmï eÁ®ªÀÅ 31.3.2016gÀAzÀÄ MlÄÖ `29,949.96 PÉÆÃnUÀ¼À ªÀåªÀºÁgÀªÀ£ÀÄß ªÀiÁrzÀÄÝ, EzÀgÀ°è ̀ 3,156.72 PÉÆÃnUÀ¼À oÉêÀt ªÀÄvÀÄÛ `26,793.24 PÉÆÃnUÀ¼À ªÀÄÄAUÀqÀUÀ¼ÀÄ ¸ÉÃjªÉ. ¨ÁåAQ£À MlÄÖ ªÀÄÄAUÀqÀUÀ¼À 48%gÀµÀÖ£ÀÄß ªÀÄvÀÄÛ ̈ ÁåAQ£À ̧ ÁA¹ÜPÀ ªÀÄÄAUÀqÀUÀ¼À 89%gÀµÀÖ£ÀÄß ¹.J£ï.qÀ§Äèöå. ºÉÆA¢zÉ.
CxÀðªÀåªÀ¸ÉÜAiÀÄ°è ¥Àæ¸ÀPÀÛ vÀ¯ÉzÉÆÃjgÀĪÀ ªÀÄAzÀUÀwAiÀÄ ¨É¼ÀªÀtÂUÉAiÀÄÄ PÁ¥ÉÇðgÉÃmï ªÀÄÄAUÀqÀUÀ¼À ªÉÄÃ¯É ¥ÀjuÁªÀÄ ©ÃjzÉ. ¨ÁåAQ£À D¹ÛUÀ¼À ªÀÄlÖªÀ£ÀÄß ºÉaѸÀĪÀ ¸À®ÄªÁV, ¨ÁåAPÀÄ GzÉÝñÀ¥ÀƪÀðPÀªÁV vÀ£Àß ªÀÄÄAUÀqÀUÀ¼À£ÀÄß «¤AiÉÆÃd£É ªÀÄlÖ ªÀÄvÀÄÛ ºÉaÑ£À ªÀÄlÖPÉÌ (©©© ªÀÄvÀÄÛ ªÉÄîälÖ) Kj¸À®Ä ¥ÀæAiÀÄw߸ÀÄwÛzÀÄÝ, EzÀÄ MlÄÖ ªÀÄÄAUÀqÀUÀ¼À 64% DVzÀÄÝ, ¤jÃQëvÀ ¥sÀ°vÁA±ÀªÀ£ÀÄß ¤ÃqÀ®Ä DgÀA©ü¹zÉ.
D¹Û UÀÄtªÀÄlÖzÀ ¥ÀÅ£Àgï CªÀ¯ÉÆÃPÀ£ÀzÀ §UÉÎ Dgï.©.L. £À ¸ÀÆZÀ£ÉAiÀÄAvÉ ¥ÀÅ£Àgï gÀavÀ ªÀÄÄAUÀqÀUÀ¼À£ÀÄß ¤¶ÌçAiÀÄ D¹ÛAiÀiÁV ¥ÀjªÀwð¹zÀÝjAzÀ PÁ¥ÉÇðgÉÃmï ªÀ®AiÀÄzÀ°è EwÛÃZÉUÉ ¤¶ÌçAiÀÄ D¹ÛUÀ¼À ¥ÀæªÀiÁt ºÉaÑzÉ. F ¸ÀÆZÀ£ÉUÀ¼À ¥Àæ¨sÁªÀªÀÅ J¯Áè ¨ÁåAPÀÄUÀ¼À ªÉÄïÁVzÉ.
EwÛÃZÉUÉ ¤¶ÌçAiÀÄ D¹Û ªÀÈ¢ÞAiÀÄ°è ªÀiÁgÀÄPÀmÉÖ/PÉÊUÁjPÉ/DyðPÀvÉAiÀÄ ¥Àæ¨sÁªÀ«zÉ DzÀÝjAzÀ J£ï¦J ªÀÄlÖªÀ£ÀÄß E½¸À®Ä ¨ÁåAPÀÄUÀ¼ÀÄ ¸Á®ªÀ¸ÀÆ°UÁV PÀpt PÀæªÀÄUÀ¼À£ÀÄß PÉÊUÉÆAqÀÄ ¸Á®UÀ¼À ¥ÀÅ£Àgï gÀZÀ£É ¸ÀévÀÄÛUÀ¼À ªÀiÁgÁl, EvÁå¢ PÀæªÀÄUÀ¼À£ÀÄß PÉÊUÉÆArzÉ.
• ¹.J£ï.qÀ§Äèöå. MlÄÖ `59,688.57 PÉÆÃn «zÉò «¤ªÀÄAiÀÄ ªÀåªÀºÁgÀ £ÀqɹzÀÄÝ, EzÀÄ ¨ÁåAQ£À «zÉò «¤ªÀÄAiÀÄ ªÀåªÀºÁgÀzÀ ±ÉÃ. 91 DVzÉ ªÀÄvÀÄÛ ¨ÁåAQ£À ±ÉÃ. 88 «zÉò «¤ªÀÄAiÀÄ DzÁAiÀĪÁVzÉ.
• J.J.J. ¬ÄAzÀ J. ªÀÄlÖPÉÌ ªÀÄÄAUÀqÀUÀ¼À (E.¹.Dgï.) ¨É¼ÀªÀtÂUÉAiÀÄÄ ¸ÀĪÀiÁgÀÄ 41% DVzÉ.
Xm¡amZ `2,122 H$amo‹S> (4.0%) H$s d¥{Õ hþB© h¡& ~¢H$ H$m {Zdb A{J«_ (`m{Z, AZO©H$ ApñV g§~§Yr/ApñWa àmdYmZm|, ñQ>m\$ Ë`m¡hma A{J«_ Ho$ VhV ~H$m`m| H$m {Zdb h¡) _mM© 2015 Ho$ `52,025 H$amo‹S> go `53,954 H$amo‹S> VH$ d¥{ÕV hþAm& H$m°nm}aoQ> joÌ _| AmJo CYma XoZo _| h_mao AË`m{YH$ M`ZmË_H$ éI Ho$ H$maU ~¢H$ H$m F$U O_m AZwnmV _mM© 2015 Ho$ 81.9% go _mM© 2016 _| 79.67% VH$ 3% KQ> J`m& {\$a ^r AÝ` IwXam I§S>m| _| 11.3% H$s g_J« d¥{Õ hþB© h¡&
3.2.2 H$mnm}aoQ> H$m`©Omb (ZoQ>dH©$)
~¥hV H$mnm}aoQ>m| H$s Amdí`H$VmAm| H$s ny{V© Ho$ {bE Xoe Ho$ _oQ́>mo Ed§ AÝ` ~So> Ho$ÝÐm| _| {dñV¥V 11 ~¥hV emImAm| H$m h_mam H$mnm}aoQ> ZoQ>dH©$ H$m ©̀Omb h¡&
~¢H$ Ho$ H$mnm}aoQ> ZoQ>dH©$ Zo `3,156.72 H$amo‹S> H$s O_m Am¡a `26,793.24 H$amo‹S> Ho$ A{J«_ H$mo em{_b H$a {XZm§H$ 31.3.2016 VH$ `29,949.96 H$amo‹S> H$m ì`mdgm{`H$ ñVa àmá {H$`m h¡& grEZS>ãë ỳ H$m A{J«_ {hñgm ~¢H$ Ho$ Hw$b A{J«_ H$m 48% Am¡a dm{UpÁ`H$ Ed§ g§ñWmJV A{J«_ H$m 89% hmoVm h¡&
bJmVma ~Zr ahr Am{W©H$ _§Xr Zo H$m°nm}aoQ> A{J«_ g§{d^mJ H$mo ~m{YV {H$`m h¡& Iam~ AmpñV`m| H$s d¥{Õ H$m gm_Zm H$aZo Ho$ {bE ~¢H$ Zo AnZo g§{d^mJ H$mo {Zdoe loUr (~rdr~r `m Cggo D$nar loUr) _| VoOr go n[ad{V©V {H$`m h¡ Omo Hw$b A{J«_m| H$m 64% h¡ Am¡a Bg aUZr{V go Ano{jV n[aUm_ àmá hmoZo bJo h¢&
{deof ê$n go H$m°nm}aoQ> joÌ _| EZnrE Ho$ dV©_mZ CÀM _m_bm| na ^maVr` [aµOd© ~¢H$ H$s AmpñV JwUdËVm g_rjm _mJ©Xe©Z bmJy hmoVo h¢ Omo nwZgªa{MV A{J«_m| H$mo EZnrE Ho$ ê$n _§§ nwZ:dJuH¥$V H$aZo H$mo A{Zdm ©̀ H$aVo h¢& BZ {Xem{ZX}em| Zo {d{^ÝZ ñVa na J§̂ raVm Ho$ gmW g^r ~¢H$m| H$mo à^m{dV {H$`m h¡&
~mOma/ CÚmoJ/ Am{W©H$ n[aÑí` Ho$ H$maU ~‹T>Vo EZnrE H$mo {Z §̀{ÌV H$aZo Ho$ {bE ~¢H$ Zo dgybr Am¡a OoEbE\$ Ho$ VhV gwYma, AmpñV`m| H$s {~H«$s Am¡a {ddoH$nyU© ~Å>m ImVo O¡go H$B© Cnm` {H$E h¢&
• grEZS>ãë ỳ H$m Hw$b \$maoŠg Q>Z©Amoda `59,688.57 H$amo‹S> Wm, Omo ~¢H$ Ho$ Hw$b \$maoŠg Q>Z©Amoda H$m 91 % h¡ Am¡a ~¢H$ H$s Hw$b \$maoŠg Am` _| BgH$m `moJXmZ 88% h¡&
• EEE go E J«oS> Ho$ A{J«_m| (B©grAma) _| d¥{Õ 41% h¡&
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STATE BANK OF MYSORE15
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
3.2.3. Credit Committees :
Credit Committees were first
established in May 2002, in order to
facilitate taking decisions through
committee approach to provide more
professional touch to credit appraisal,
by thread-bare discussion on the risk
factors. Two committees have been
constituted at Head office viz. HOCC-I
chaired by Managing Director and
HOCC-II chaired by Chief General
Manager (CB) with CGM/GMs as
members of the committee.
The Bank has held 48 HOCC-I and
43 HOCC-II Meetings, respectively,
during 2015-16, to facilitate growth in
advances.
Besides the above HOCCs, in
order to provide speedier credit and
consequence to devolution of wider
powers to the Networks, 4 Network
Credit Committees with Network
General Managers as Chairmen were
constituted and 191 meetings were
held in aggregate.
Similar Committees are also constituted
at Zonal & Regional office levels viz.
ZOCC & ROCC respectively.
3.3 Personal Segment Advances:
Personal segment advances registered
a record growth of `1,675 crs (15.95%)
to reach a level of `12,175 crs with
Housing loans alone recording a
growth of `1,078 crs (20.07%) to reach
a level of `6,450 crs beside increase
in Car loans by `143 crs (17.31%) and
Personal loans by `249 crs (17.56%).
Share of Personal segment advances
to total advances has increased from
19.69% as at Mar’15 to 21.95% as at
Mar’16 and contributed 78% of total
advance growth during the year.
A new Housing Loan Scheme, “Namma
Mane” was introduced to cater to
Economically Weaker Sections (EWS)
and Lower Income Groups (LIG) under
the PMAY, a Govt. Sponsored Scheme
which is a Priority Sector Loan.
3.2.3. GzÀj ¸À«ÄwUÀ¼ÀÄ
GzÀj ¥ÀjµÀÌgÀuÉUÉ ºÉaÑ£À ªÀÈwÛ¥ÀgÀvÉAiÀÄ ¸Àà±Àð ¤ÃqÀ®Ä, «ZÁgÀ «ªÀıÉðAiÀÄ ªÀÄÆ®PÀ ¤tðAiÀÄ vÉUÉzÀÄPÉƼÀî®Ä ªÀÄvÀÄÛ C£ÀĪÀŪÀiÁr PÉÆqÀ®Ä GzÀj ¸À«ÄwUÀ¼À£ÀÄß ªÉÄà 2002gÀ°è ªÉÆzÀ®¨ÁjUÉ C£ÀĵÁ×£ÀPÉÌ vÀgÀ¯Á¬ÄvÀÄ. ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀ CzsÀåPÀëvÉAiÀÄ°è JZï.M.¹.¹.-1£ÀÄß ªÀÄvÀÄÛ ªÀÄÄRå ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀ CzsÀåPÀëvÉAiÀÄ°è JZï.M.¹.¹. -2 £ÀÄß ¸Áܦ¸À¯ÁVzÀÄÝ, ¸À«ÄwAiÀÄ ¸ÀzÀ¸ÀågÁV ¹.f.JA./f.JA.UÀ¼ÀÄ EgÀÄvÁÛgÉ.
ªÀÄÄAUÀqÀUÀ¼À ̈ ɼÀªÀtÂUÉUÉ C£ÀĪÀŪÀiÁr PÉÆqÀ®Ä, 2015-16gÀ°è JZï.M.¹.¹.-1gÀ 48 ¸À¨sÉUÀ¼À£ÀÄß ªÀÄvÀÄÛ JZï.M.¹.¹.-2gÀ 43 ¸À¨sÉUÀ¼À£ÀÄß ¨ÁåAPÀÄ £ÀqɹzÉ.
ªÉÄîÌAqÀ JZï.M.¹.¹. C®èzÉ, ±ÁSÁeÁ®PÉÌ «±Á®¸ÀégÀÆ¥ÀzÀ C¢üPÁgÀªÀ£ÀÄß ¤ÃqÀ®Ä ªÀÄvÀÄÛ vÀéjvÀªÁV GzÀj ¤tðAiÀÄUÀ¼À£ÀÄß ¤ÃqÀ®Ä, 4 £ÉmïªÀPïð GzÀj ¸À«ÄwUÀ¼À£ÀÄß ¸Áܦ¸À¯ÁVzÉ. DAiÀiÁ ±ÁSÁeÁ®zÀ ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ CzsÀåPÀëgÁVgÀĪÀ F ¸À«ÄwUÀ¼À MlÄÖ 191 ¸À¨sÉUÀ¼À£ÀÄß £ÀqɸÀ¯ÁVzÉ.
EzÉà jÃwAiÀÄ ¸À«ÄwUÀ¼À£ÀÄß ªÀ®AiÀÄ PÀbÉÃj, ¥ÁæzÉòPÀ PÀbÉÃjUÀ¼À®Æè gÀƦ¸À¯ÁVzÉ. CªÀÅ PÀæªÀĪÁV eÉqïM¹¹ ªÀÄvÀÄÛ DgïM¹¹ JAzÀÄ PÀgÉAiÀįÁVzÉ.
3.3 ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ ªÀÄÄAUÀqÀUÀ¼ÀÄ
ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ ªÀÄÄAUÀqÀUÀ¼ÀÄ `1675 PÉÆÃn (15.95%) ºÉZÀѼÀUÉÆAqÀÄ `12,175 PÉÆÃnUÀ¼À ªÉÆvÀÛªÀ£ÀÄß vÀ®Ä¦zÉ. UÀȺÀ ¸Á®UÀ¼ÀÄ, PÁgÀÄ ¸Á®, a£ÁߨsÀgÀt ¸Á® ªÀÄvÀÄÛ «zÁå¨sÁå¸ÀzÀ ¸Á®UÀ¼À ¨É¼ÀªÀtÂUÉUÉ C£ÀÄPÀÆ®ªÁUÀ¯ÉAzÀÄ «±ÉõÀ C©üAiÀiÁ£ÀUÀ¼À£ÀÄß £ÀqɸÀ¯Á¬ÄvÀÄ. UÀȺÀ¸Á®ªÉÇAzÉà `1,078 PÉÆÃnUÀ¼À (20.07%) ¨É¼ÀªÀtÂUÉAiÀiÁVzÀÄÝ, MlÄÖ `6,450 PÉÆÃnUÀ¼À ªÀÄlÖªÀ£ÀÄß vÀ®Ä¦zÉ. PÁgÀĸÁ®UÀ¼À°è ̀ 143 PÉÆÃn (17.31%) ¨É¼ÀªÀtÂUÉAiÀiÁVzÉ, ªÀÄvÀÄÛ ªÉÊAiÀÄQÛPÀ ¸Á®UÀ¼ÀÄ `249 PÉÆÃn (17.56%) ¨É¼ÀªÀtÂUÉ PÀArzÉ. ªÀåAiÀÄQÛPÀ ªÀÄÄAUÀqÀUÀ¼À ¥ÀæªÀiÁtªÀÅ ªÀiÁZïð 2015 gÀ ±ÉÃ. 19.69 ºÉÆð¹zÀgÉ ªÀiÁZÀð 2016 gÀ°è ±ÉÃ. 21.95 gÀ ¥ÀæUÀwAiÀÄ£ÀÄß ¸Á¢ü¹ MlÄÖ ªÀÄÄAUÀqÀzÀ ¥ÀæUÀwAiÀÄ°è ±ÉÃ. 78 gÀµÀÄÖ ¥Á®£ÀÄß ºÉÆA¢zÉ.
DyðPÀªÁV »AzÀĽzÀ ºÁUÀÆ PÀrªÉÄ ªÀgÀªÀiÁ£À UÀÄA¦£À ¥sÀ¯Á£ÀĨsÀ«UÀ½UÁV ¦JAJªÉÊ CrAiÀÄ°è ¸ÀPÁðj AiÉÆÃd£É ºÁUÀÆ DzÀåvÁ ªÀ®AiÀÄ°è §gÀĪÀ “£ÀªÀÄä ªÀģɔ JA§ UÀȺÀ ¤ªÀiÁðt AiÉÆÃd£ÉAiÀÄ£ÀÄß ¥ÀjZÀ¬Ä¸À¯ÁVzÉ.
3.2.3. F$U g{_{V`m§
F$U àXmZ H$aZo hoVw F$U g{_{V`m§ gd©àW_ _B© 2002 _| ñWm{nV H$s J`r Vm{H$ ì`dgm{`H$ Ñ{ï>H$moU H$mo AnZmVo hþE g{_{V Ho$ _mÜ`_ go {ZU©` boZo _| gw{dYm hmo gHo$ Am¡a OmopI_ VÏ` na J§^raVm go {dMma {H$`m Om gHo$& à~§Y {ZXoeH$ H$s AÜ`jVm _| EMAmogrgr-I Am¡a _w»` _hm à~§YH$ H$s AÜ`jVm _| EMAmogrgr - II g{_{V`m§ J{R>V H$s J`r& _w»` _hm à~§YH$ Am¡a _hm à~§YH$ g{_{V Ho$ gXñ` hmoVo h¢&
A{J«_m| _| d¥{Õ _| gw{dYm Ho$ {bE ~¢H$ Ûmam df© 2015-16 Ho$ Xm¡amZ EMAmogrgr-I H$s 48 Am¡a EMAmogrgr-II H$s 43 ~¡R>H|$ Am`mo{OV H$s J`r h¢&
Cn`w©º$m| Ho$ Abmdm erK« F$U H$s gw{dYm CnbãY H$amZo Am¡a ZoQ>dH©$ H$mo A{YH$ A{YH$ma XoZo Ho$ CÔoí` go 4 ZoQ>dH©$ F$U g{_{V`m§, ZoQ>dH©$ _hm à~§YH$ H$s AÜ`jVm _| J{R>V H$s J`r Am¡a BZH$s Hw$b 191 ~¡R>H|$ Am`mo{OV hþB© h¢&
Am§M{bH$ Am¡a joÌr` H$m`m©b` ñVa na ^r Bg àH$ma H$s g{_{V`m§ `Wm OoAmogrgr Am¡a AmaAmogrgr J{R>V H$s JB© h¢&
3.3 d¡`{º$H$ IÊS> Ho$ A{J«_
d¡`{º$H$ IÊS> Ho$ A{J«_ _| `1,675 H$amo‹S> (15.95%) H$s [aH$mS©> d¥{Õ hþB© Am¡a `h `12,175 H$amo‹S> H$m ñVa nhþ±Mm& Ho$db Amdmg F$U _| hr `1,078 H$amo‹S> H$s d¥{Õ (20.07%) XO© hþB© Am¡a `h `6,450 H$amo‹S> Ho$ ñVa na nhþ±Mm& BgHo$ Abmdm H$ma F$U _| `143 H$amo‹S> (17.31%) Am¡a d¡`{º$H$ F$U _| `249 H$amo‹S> (17.56%) H$s d¥{Õ hþB©& Hw$b A{J«_m| _| d¡`{º$H$ I§S> Ho$ A{J«_m| H$m {hñgm _mM© 2015 Ho$ 19.69% go ~‹T>H$a _mM© 2016 _| 21.95% hmo J`m Am¡a df© Ho$ Xm¡amZ Hw$b A{J«_ d¥{Õ _| 78% H$m `moJXmZ {X`m&
gaH$ma Ûmam àm`mo{OV `moOZm nrE_EdmB© Ho$ VhV Am{W©H$ ê$n go H$_Omoa dJ© (B©S>ãë`yEg) Am¡a {ZåZ Am` g_yhm| (EbAmB©Or) H$mo Ü`mZ _| aIVo hþE ZB© Amdmg F$U `moOZm ‘Zå_ _Zo’ ewê$ H$s JB© Omo àmW{_H$Vm joÌ F$U h¡&
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ANNUAL REPORT 2015 - 16
STATE BANK OF MYSORE 16
A new Gold Loan Product “My Bank
Flexi Gold Loan Scheme” an all purpose
overdraft scheme for individual customers
was introduced beside “Combo Car Loan”
for the existing Housing loan borrowers
with concession in interest rate.
“Rajiv Gandhi Scholarship scheme” to
provide education loans to the students
belonging to economically backward
sections to pursue Higher Studies (other
than Technical courses) promoted by
Government of Karnataka, was also
introduced.
3.4. Priority Sector Lending and
Social Banking:
Total Priority Sector Lending of our
Bank stood at `22,388 crs as at March,
2016, including Inter Bank Participation
Certificate (IBPC) of `525 crs. issued
by Kaveri Grameena Bank, as against
`19,401 crs,( including IBPC of `485
Crs) during the previous year ended
March 2015 thereby registering a YoY
growth of 15.4%. This works out to 40%
of the Adjusted Net Bank Credit (ANBC
of `55,796 crs).
Segment-wise status of these advances
is as under:
• Agriculture: The Total Agricultural
advances increased by 14.8% from
`10,643 crs (including IBP of `485
crs and RIDF investments of `2,263
crs) to `12,216 crs (including IBP of
`525 crs and RIDF investments of
`2,228 crs) during the year. Fresh
agricultural advances to the tune of
`3,040 crs were sanctioned to 1.82
lakh farmers during FY 15-16.
• Micro, Small and Medium
Enterprises (MSME): The Bank’s
advances to Micro, Small and
Medium Enterprises as at the end of
FY16 stood at `5,973 crs as against
`5,100 crs during the year ended
March, 2015 registering Y-o-Y
growth of 17%.
ªÉÊAiÀÄQÛPÀ ¥sÀ¯Á£ÀĨsÀ«UÀ½UÁV “ªÉÄÊ ¨ÁåAPï ¥sÉèQì UÉÆïïØ ¯ÉÆÃ£ï ¹ÌêÀiï” JA§ UÉÆïïØ ¯ÉÆÃ£ï «ÄÃgɼÉvÉ AiÉÆÃd£ÉAiÀi£ÀÄß ºÁUÀÆ ¥Àæ¸ÀÄÛvÀ UÀȺÀ¸Á¯ ¥sÀ¯Á£ÀĨsÀ«UÀ½UÁV “PÁA¨ÉÆ PÁgï ¯ÉÆÃ£ï” AiÉÆÃd£ÉUÀ¼À£ÀÄß ¥ÀjZÀ¬Ä¸À¯ÁVzÉ.
DyðPÀªÁV »AzÀĽzÀ «zÁåyðUÀ¼ÀÄ G£ÀßvÀ ²PÀëtªÀ£ÀÄß ªÀÄÄAzÀĪÀj¸À®Ä (vÁAwæPÀ ²PÀëtªÀ£ÀÄß ºÉÆgÀvÀÄ¥Àr¹) PÀ£ÁðlPÀ ¸ÀPÁðgÀ¢AzÀ ¥ÀæAiÉÆÃfvÀªÁzÀ “gÁfêï UÁA¢ü ¸ÁÌ®gï²¥ï ¹ÌêÀiï” ªÀÄÆ®PÀ ²PÀët ¸Á®ªÀ£ÀÄß ¤ÃqÀĪÀ AiÉÆÃd£ÉAiÀÄ£ÀÄß ̈ ÁåAQ£À°è ¥ÁægÀA©ü¸À¯ÁVzÉ.
3.4. DzÀåvÁ PÉëÃvÀæzÀ ¸Á®UÀ¼ÀÄ ªÀÄvÀÄÛ ¸ÁªÀiÁfPÀ ¨ÁåAQAUï
ªÀiÁZïð 2015gÀ°è `19,401 PÉÆÃn (L©¦¹ `485 PÉÆÃn M¼ÀUÉÆArzÉ) EzÀÝ DzÀåvÁ PÉëÃvÀæPÉÌ ¤ÃrzÀ GzÀj ªÉÆvÀÛªÀÅ ªÀiÁZïð 2016PÉÌ PÉÆ£ÉUÉÆAqÀ ªÀµÀðPÉÌ, `22,388 PÉÆÃnUÀ¼ÁVzÀÄÝ, ªÀµÀð¢AzÀ ªÀµÀðPÉÌ 15.4% ¨É¼ÀªÀtÂUÉ DVzÉ. PÁªÉÃj UÁæ«ÄÃt ̈ ÁåAQ£À°è CAvÀgï ¨ÁåAPï ¥Ánð¹¥ÉñÀ£ï ¸Ànð¦üPÉÃmï ªÀÄÆ®PÀ «¤AiÉÆÃf¹zÀ `525 PÉÆÃnUÀ¼À£ÀÄß M¼ÀUÉÆArzÉ. EzÀÄ JJ£ï©¹ (`55,796 PÉÆÃn)AiÀÄ ±ÉÃ. 40gÀµÁÖVzÉ.
F ªÀÄÄAUÀqÀUÀ¼À «¨sÁUÀªÁgÀÄ «ªÀgÀ PɼÀPÀAqÀAwzÉ:
• PÀȶ: PÀȶ ªÀ®AiÀÄzÀ £ÉÃgÀ ¸Á®UÀ¼ÀÄ `10,643 (`485 PÉÆÃnUÀ¼À L.©.¦. ªÀÄvÀÄÛ DgïLrJ¥sï 2263 M¼ÀUÉÆArzÉ) PÉÆÃnUÀ½AzÀ `12,216 (`525 PÉÆÃnUÀ¼À L.©.¦. ªÀÄvÀÄÛ DgïLrJ¥sï 2228 M¼ÀUÉÆArzÉ) PÉÆÃnUÀ½UÉ ºÉZÀѼÀUÉÆArzÀÄÝ, 14.8% ¨É¼ÀªÀtÂUÉ PÀArzÉ. 2015-16gÀ°è ºÉƸÀzÁV ªÀÄAdÆgÀÄ ªÀiÁrzÀ PÀȶ ªÀÄÄAUÀqÀUÀ¼ÀÄ `3,040 PÉÆÃnUÀ¼ÁVzÀÄÝ, MlÄÖ 1.82 ®PÀë PÀȶPÀjUÉ C£ÀÄPÀÆ®ªÁVzÉ.
• QgÀÄ ªÀÄvÀÄÛ ̧ ÀtÚ G¢ÝªÉÄUÀ¼ÀÄ (JA.J¸ï.E): QgÀÄ ªÀÄvÀÄÛ ¸ÀtÚ G¢ÝªÉÄUÀ½UÉ 2015-16gÀ°è ¨ÁåAPÀÄ ¤ÃrzÀ ªÀÄÄAUÀqÀUÀ¼ÀÄ `5,973 PÉÆÃn DVzÀÄÝ, 2014-15gÀ°è EzÀÄ `5,100 PÉÆÃn DVvÀÄÛ. F «¨sÁUÀzÀ°è ªÀµÀð¢AzÀ ªÀµÀðPÉÌ 17% ¨É¼ÀªÀtÂUÉ DVzÉ.
dV©_mZ Amdmg F$U CYmaH$Vm©Am| Ho$ {bE Ny>Q> àmßV ã`mO Xam| Ho$ gmW ‘H$m°å~mo H$ma F$U’ `moOZm Ho$ VhV d¡`{º$H$ J«mhH$m| Ho$ {bE gd©CÔoer` A{VXo` `moOZm ‘_¡~¢H$ âboŠgr JmoëS> bmoZ ñH$s_’ Zm_H$ ZB© ñdU© F$U `moOZm ewê$ H$s JB©&
CÀM {ejm (VH$ZrH$s nmR>çH«$_m| Ho$ Abmdm) àmßV H$aZo Ho$ {bE Am{W©H$ ê$n go {nN>‹S>o dJm] Ho$ {dÚm{W©`m| H$mo {ejm F$U àXmZ H$aZo Ho${bE ‘amOrd Jm§Yr N>mÌd¥{Îm `moOZm’, {Ogo H$Zm©Q>H$ gaH$ma H$m g_W©Z àmßV h¡, ewê$ H$s JB©&
3.4. àmW{_H$Vm àmá joÌ H$mo CYma Ed§ gm_m{OH$ ~¢qH$J
_mM© 2015 H$mo g_mßV {nN>bo df© Ho$ Xm¡amZ `19,401 H$amo‹S> (`485 H$amo‹S> Ho$ AmB©~rnrgr g{hV) Ho$ à{V _mM© 2016 H$mo àmW{_H$Vm àmá joÌ H$mo àXÎm Hw$b F$U ̀ 22,388 H$amo‹S> Ho$ ñVa na nhþ±Mm {Og_| H$mdoar J«m_rU ~¢H$ Ûmam Omar A§Va ~¢H$ à{V^m{JVm à_mU nÌ (AmB©~rnrgr) Ho$ `525 H$amoS> em{_b h¢& Bg àH$ma 15.4% H$m dfm©Zwdf© {dH$mg XO© {H$`m J`m& `h g_m`mo{OV {Zdb ~¢H$ F$U (`55,796 H$amo‹S>) H$m 40% h¡&
BZ A{J«_m| H$s I§S>dma pñW{V Bg àH$ma h¡ :
• H¥${f : ~¢H$ H$m àË`j H¥${f A{J«_ df© Ho$ Xm¡amZ `10,643 H$amo‹S> (`485 H$amo‹S> H$s AmB©~rnr VWm `2,263 H$amo‹S> Ho$ AmaAmB©S>rE\$ {Zdoe g{hV) go ̀ 12,216 H$amo‹S> (`525 H$amo‹S> H$s AmB©~rnr VWm `2,228 H$amo‹S> Ho$ AmaAmB©S>rE\$ {Zdoe g{hV g{hV) VH$ d¥{ÕV hþAm, {Og_| 14.8% H$s d¥{Õ hþB©& {dËVr` df© 15-16 Ho$ Xm¡amZ 1.82 bmI {H$gmZm| H$mo `3,040 H$amo‹S> Ho$ ZE H¥${f A{J«_ _§Oya {H$E JE&
• gyú_, bKw Ed§ _Ü`_ CÚ_ (E_EgE_B©) : {dËVr` df© 2016 Ho$ {bE ~¢H$ H$m gyú_, bKw Ed§ _Ü`_ CÚ_ A{J«_ `5,973 H$amo‹S> VH$ nhþ§Mm O~{H$ df© 2015 _| `h `5,100 H$amo‹S> ahm Omo dfm©Zwdf© 17% H$s d¥{Õ Xem©Vm h¡&
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STATE BANK OF MYSORE17
ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16
• Personal & Services Banking
(P&SB): The Bank's advance to
the P&SB segment under priority
sector stood at `3,901 CRS as on
31.03.2016 as against `3,491 crs
during the year ended March, 2015
registering Y-o-Y growth of 12.9%.
3.5. Agriculture Finance:
Total agricultural advances went up from
`9124 crs to `9463 crs during FY 2015-
16 registering a growth of 3.7% over
the previous year. Bank has surpassed
the benchmark of 18% stipulated for
agriculture advances by reaching a level
22% of the Adjusted Net Bank Credit
(ANBC), besides 7.61% for small &
marginal farmers against the benchmark
of 7%.
3.5.1. The Bank adopted a credit
saturation approach so as to cover all
eligible uncovered farmers for financing
their agricultural needs. The Bank in
consultation with NABARD collated the
data relating to emerging trends under
agriculture segment in all the 30 districts
of Karnataka State and accordingly,
district wise potential available for
f