llffil i.rolill/a govtof . india undertaking) 21 , rajendra place, new … · 2019-07-12 ·...
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"s:l.cpl. mID � mID �an � II� cpaf" �q) �, l;f� Ml', 21, � �. � �-110008H.O. Account & Audit Department"SHARES CELL" Bank House, 1st Floor �.�.�. ('llffil ffl'QiR � i.rolill/A Govt. of India Undertaking) 21 , Rajendra Place, New Delhi-110008
Phone: 011·25782926, 25812922, 25817353, 25728930, Telefax: 25781639, 15728919, Email: [email protected]
�/Ref. No.
Ref: PSB/HO/Shares Cell/ /2019-20
To,
Bombay Stock Exchange Limited, Derartment of Corporate Services,25 1 floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai -400 00 I. SCRIP ID : PSB SCRIP CODE : 533295
Dear Sir,
Reg: Annual Report 2018-19
�/Dated: ......................... .
July 12, 2019
National Stock Exchange of India Ltd., Exchange Plaza, C - I, Block - G, Bandra Kurla Complex, Bandra (East), Mumbai -400 05 l. SYMBOL: PSB SERIES: EQ
We are forwarding Full Annual Report 2018-19 of our Bank.
Request you to take on record the above.
Yours faithfi
\
ly, l'"
U,Ul�
!Vinay KhandelwallCompany Secretary
��
ANNUAL REPORT
f.{tif:fi(;J
BANK BE&AN ITS JOURNEY IN 1HE ffAR 1988 FROM HAU. BAZAR AMRITSAR
(A Smctl OF THE BUILDING)
" llrl'il1rf "' ll't nt.r
� � ft:igr ilcn Fn't Punjab & Sind Bank(111tW-n111-) l!:;J (A Govt. of lndla Undertaking)
Where service is a way of life
'91: Fat�elcfi Jis<:1 I Board of Directors-�
3l1i!l'1lf I Chairman
"if. 'tfR � I Dr. Charan Singh
4\-�- 3ITT;. � Sh. S. R. Mehar
4\- "Si 1fN ffil Sh. Harsh Bir Singh
4\-u-4lm". cl;, illoJT Sh. Pradipta K. Jena
4\-�.3ITT;. tttm Sh. S.R. Ghedia
41144\ltl Fat�el4i / Executive Director � ll'lfcR "Q-1 ;g)1) / Sh. Govind N Dongre
Sh. T.R. Mendlratta
4\-��� Sh. Madhu Sudan Dadu
Punjab & Sind Bank
2018-19 1
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Punjab & Sind Bank
2018-19 3
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www.psbindia.com
_______________________________________________________________________________________
1.
Punjab & Sind Bank
2018-19
Punjab & Sind Bank
www.psbindia.com
_______________________________________________________________________________________
Place : New Delhi S Harisankar
iatkc ,.M fla/ cSad
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vi
Punjab & Sind Bank
2018-19
pass.
through electronic mode:
mode.
iatkc ,.M fla/ cSad
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Punjab & Sind Bank
2018-19
The shareholders who have not encashed their dividend warrants for the previous years are requested to approach
necessary endorsement in due course.
procedure is annexed.
The Company Secretary,
Place : New Delhi S Harisankar
iatkc ,.M fla/ cSad
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• PANPAN
• iv
“ ”
Punjab & Sind Bank
2018-19 11
a.
c.
PAN
•
Dividend
OrDate of Birth
in the company records in order to login.•
iatkc ,.M fla/ cSad
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“ ”
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•
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•
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Punjab & Sind Bank
2018-19 13
Note for Non – Individual Shareholders and Custodians.
•
•
•
•
•
iatkc ,.M fla/ cSad
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Punjab & Sind Bank
2018-19
the slowdown in growth of agriculture sector and sustain the growth in industry.
crude oil and food prices.
iatkc ,.M fla/ cSad
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III
1.
2.
3.
4. r
5. r
6.
7. r
8.
Punjab & Sind Bank
2018-19
crore as on
during the same period.
campaign “ and alongwith
new accounts were opened under the as non fund income from these Schemes.
Parameter Status
1.
2.
3.
r
r
r
iatkc ,.M fla/ cSad
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15339
461 39350 42518 108 47736 50833 106 29615 29792 101
“ ”
“ ”
Punjab & Sind Bank
2018-19
Campaign
District/ state Villages
111
Total
Target Achv Target Achv Target Achv
112
change in focus on opening accounts from “
Parameter
1 2.23 lac
2
353
iatkc ,.M fla/ cSad
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r r
r r
r r
r r
r r
r r
•
•
•
•
•
•
•
Punjab & Sind Bank
2018-19 21
Total FD/RD Accounts opened
in
•
•
•
•
•
•
•
iatkc ,.M fla/ cSad
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•
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• r
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r r
r r r
r
r
Punjab & Sind Bank
2018-19 23
• A
•
:
•
•
•
•
•
•
•
•
•
•
•
•
in the total recovery of over r r
at r r r r
Amount in r Crore
Gross Net
iatkc ,.M fla/ cSad
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r
i.
ii.
r
r r r
r
r
• r
•r r
• r
• r
Punjab & Sind Bank
2018-19
i. SMA accounts
ii.
•
•
•
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iatkc ,.M fla/ cSad
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III
IIIIII
. . . . II III
II III
Punjab & Sind Bank
2018-19
iatkc ,.M fla/ cSad
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1 2 3 4
•
•
•
•
•
•
•
9320 8948
Punjab & Sind Bank
2018-19
Funded
Non Fund
Total Advances
•
•
•
•
•
•
•during the year.
Category st st
iatkc ,.M fla/ cSad
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Top performers
4 35
57
4 35
CoE
“ ”
VI
IV
Punjab & Sind Bank
2018-19 31
DGM to GM
AGM to DGM
CM to AGM CM
General 11
Specialist 12
4 35
st st
:
wherever required.
iatkc ,.M fla/ cSad
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.1194 1405 50 143
560 75 570 192 43
127 15 25 32 8
1881 587 2000 274 194
•
•
•
•
•
•
•
. .•
•
Punjab & Sind Bank
2018-19 33
SC
32
role and excel in the same.
Hockey
•
•
•
•
•
•
•
• th day of the installment
•
iatkc ,.M fla/ cSad
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•••
••••
•••
. . .••
•
•
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• SASCAL
•
Punjab & Sind Bank
2018-19
•
•
•
•
•
•
•
•
•
•
•
•guidelines.
•
•in such accounts.
•
•
•
iatkc ,.M fla/ cSad
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RBI
RBI
•
•
•
•
•
•
•
•
•
•
•
Punjab & Sind Bank
2018-19
•
• th
•
•
•
•
•
•
• th Birth Anniversary of
•
•
iatkc ,.M fla/ cSad
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VOs
RD
”
Punjab & Sind Bank
2018-19
iatkc ,.M fla/ cSad
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“
” I
Access
Punjab & Sind Bank
2018-19
with severely.
maintained.
the grand ceremony
of
iatkc ,.M fla/ cSad
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•
•
•
•
•
•
•
Punjab & Sind Bank
2018-19
.
•
•
•
•for Branches all over the country.
•
•
hygiene.
•
th day, if grievance remains
Tat for the redressal of complaints is on the reducing side every Financial year owing to the Root Cause analysis of the complaints.
iatkc ,.M fla/ cSad
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i A SCRA
ii
iii
iv
Punjab & Sind Bank
2018-19
year ended on 31st
st
iatkc ,.M fla/ cSad
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v
Punjab & Sind Bank
2018-19
1.
2.
our opinion.
3.
under review were carried out in compliance with the provisions of the Act.
3.the minutes.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Sr. equity
shares of the Bank
held as on
membership in Sub
of the Bank
Directorship held in other
Companies i.e.
Bank.
Membership/ Chairmanship
held in Sub
of the Board
Companies
(nature of appointment
Dr Charan Singh Chairman
Delhi
Bengaluru
*
Sh. S Harisankar Managing Director & **
3. ***4. ****
iatkc ,.M fla/ cSad
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$
$$
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I
I
I
I
I
I
I
Punjab & Sind Bank
2018-19
Sr. equity
shares of the Bank
held as on
membership in Sub
of the Bank
Directorship held in other
Companies i.e.
Bank.
Membership/ Chairmanship
held in Sub
of the Board
Companies
(nature of appointment
5. 9 @4 @@
7.CA Category
#
Sh. Madhu Sudan Dadu
##
9. Sh. Harsh Bir Singh 5 $
7 $$
th
th
th
whichever is earlier.th
st
th
th
further orders, whichever is earlier.
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$ i
i
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i
1.
2.
3.
1.
2.
3.
Punjab & Sind Bank
2018-19
th
1. Dr CHARAN SINGH2.3.
Research
1.2.3.
iatkc ,.M fla/ cSad
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1.
2.
3.
11 11
13 13
13 13
13 12
13 13
11
13 12
13 13
13 11
Punjab & Sind Bank
2018-19
1.
2.
3.
Periodheld during their tenure
AGM held on
11 11
13 13 Not Present13 13
3 2 Not Present13 12 Not Present13 131113 12 Not Present
Sh. Harsh Bir Singh – Shareholders Director 13 1313 11 Not Present
iatkc ,.M fla/ cSad
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www psbindia com
1.
2.
3.
11.
12.
13.
Punjab & Sind Bank
2018-19
5.
compliance of the Code.
3.
Day & Date VenueTuesday
Thursday
Friday
4.
1.2.3.
11.12.13.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
13
Punjab & Sind Bank
2018-19
1.2.3.
are as under:
Period held during their tenure
13
Sh. Harsh Bir Singh – Shareholders Director
4. .
iatkc ,.M fla/ cSad
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LFAR
1.
2.
3.
1.
2.
3.
to
Punjab & Sind Bank
2018-19
1.2.3.
Sr. Periodduring their
tenure1
Chairperson
2 Dr Charan Singh– Chairman 1 13
32 1
Sh. Harsh Bir Singh – Share Holder Director 2 21 13 3
4.3.
same
iatkc ,.M fla/ cSad
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1.
2.
3.
3 3
2 2
3 2
1 1
3 2
1 1
“ ”
Punjab & Sind Bank
2018-19
controls and
1.2.3.
Period held during their tenure
3 32 2
3 21 13 21 1
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
2 2
3 3
1 1
1.
2.
3.
Punjab & Sind Bank
2018-19
4.4.
1.
2.3.
Period held during their tenure
2 2
3 31 1
4.5.
1.2.3.
Sh. Harsh Bir Singh – Shareholder Director
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
3 3
2 2
3
1.
2.
3.
i.
ii.
iii.
Punjab & Sind Bank
2018-19
Period held during their tenure
Dr. Charan Singh – Chairman 3 32 2
3Sh. Harsh Bir Singh – Shareholder Director
1.2.3.
alia comprises the following:
i.
ii. Review the status of the Awards remaining unimplemented for more than 3 months from the date of Awards and also
iii.for all categories of clientele
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
2 2
3 2
1 1
3
1.
2.
3.
2 2
3
“ ”
Punjab & Sind Bank
2018-19
Periodduring the period
of their tenure
2 2
3 21 1
3
4.7.
1. Chairperson2.3.
are as under:
Period during the period of their tenure
2 2
Sh. Harsh Bir Singh – Shareholder Director3
requests/complaints received and resolved during the year are as under:
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
3 3
2 2
3
3
1 1
3 2
1
2
1.
2.
3.
Punjab & Sind Bank
2018-19
1.2.3.
are as under:
Periodduring the period
of their tenureDr Charan Singh – Chairman 3 3
2 2
3
31 13 21
2
4.9.
1.2.3.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
3 3
2
1 1
3
1
1.
2.
3.
1.
2.
3.
Punjab & Sind Bank
2018-19
are as under:
Period during the period of their tenure
Dr Charan Singh – Chairman3 3
21 1
31
Sh. Harsh Bir Singh – Shareholder Director
1.2.3.
1.2.3.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1. 2 2
2. 2 2
3. 2 2
1.
2.
3.
2 2
3 2
1 1
3
Punjab & Sind Bank
2018-19
are as under:
period of their tenure1. 2 22. Sh. Harsh Bir Singh – Shareholder Director 2 23. 2 2
1.2.3.
are as under:
Period the period of their tenure
2 2
3 21 1
3Sh. Harsh Bir Singh – Shareholder Director
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
1.
2.
3.
1. 1 12. 1 13. 1 1
1.
2.
3.
Punjab & Sind Bank
2018-19
1.2.3.
Director.
1.2.3.
the year1. Sh. Charan Singh – Chairman 1 12. 1 13. 1 1
1.2. Sh. Harsh Bir Singh – Shareholder Director3.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I.
II. “ ”
5.
1.
2.
3.
1.
2.
3.
Punjab & Sind Bank
2018-19
days from the date of their lodgment.
i.
ii.
5.
A.
12 Shri Fareed Ahmed3 Sh. Govind N Dongre
B.
1 Dr Charan Singh23
Sh. Atanu SenSh. Harsh Bir Singh
Sh. S R Ghedia
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
IEPF
1
2
3
II III
II
1.
2.
3.
Punjab & Sind Bank
2018-19
7.
the amount of Dividends that remain unclaimed / unpaid for a period of seven years from the date on which they were
123
a) with the interests of the
b)
c)
d)
e)
f)
g)
9.
1. Government of India has appointed Dr Charan Singh as
2.
for
3.
The internal auditor may report directly to the Audit
iatkc ,.M fla/ cSad
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http www psbindia com
“ ”
C–22
Punjab & Sind Bank
2018-19
.
th
iatkc ,.M fla/ cSad
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Punjab & Sind Bank
2018-19
PercentagePhysicalDematerialized
*
fortnight to approve demat/remat/transfer/transmission of shares.
connected with the issue of Shares, dividend etc.
The Investors may lodge their transfer deeds / requests / complaints with the Share Transfer Agent at following address:
Punjab & Sind Bank
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
d
16010100003994141.
2.
3.
2
2
Punjab & Sind Bank
2018-19
ICRA
AmountStatutory Branch AuditorsStatutory Central Auditors
S.
1. No. of shares lying in PSB Unclaimed Suspense Account in
2. No. of shareholders who approached for transfer of shares and to whom shares were transferred from Suspense A/c
3. No. of shares lying in PSB Unclaimed Suspense Account at the end of the year
2
2
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1. 1
2.
3.
Punjab & Sind Bank
2018-19
Shares
1. 12.3.
Bodies CorporateResident IndividualsHindu Undivided FamilyNon Resident Indians
Trusts
Shareholding of Shares
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
1212
11.
12.
13.
Punjab & Sind Bank
2018-19
Month
Volume Close
Close High Volume Sensex Close
Close
State Share Holders Shares Percentage
1
2 Andhra Pradesh
3 Arunachal Pradesh
Assam
Bihar 1212
Chandigarh
Daman and Diu
Delhi
Goa
11
12 Haryana
13 Himachal Pradesh
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
21.
22. 1
23.
1
31.
32.
33.
21.
Punjab & Sind Bank
2018-19
State Share Holders Shares Percentage
21
22 1
23 Nagaland
Orissa
Pondicherry
1
Tamil Nadu
31 Tripura
32
33
iatkc ,.M fla/ cSad
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i
C i
Punjab & Sind Bank
2018-19
Bank pertaining to st
iatkc ,.M fla/ cSad
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Punjab & Sind Bank
2018-19
Chartered Accountants Chartered Accountants
Partner Partner
Chartered Accountants Chartered Accountants
Partner Partner
Place : New Delhi
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
www.
LODR II
Punjab & Sind Bank
2018-19
Punjab & Sind Bank
For Punjab & Sind Bank
Place : New Delhi
Punjab & Sind Bank
For Punjab & Sind Bank For Punjab & Sind Bank
Place : New Delhi
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
i iiiii iv
II
II
•
•
•II
I
I II I
III I
Punjab & Sind Bank
2018-19
to any group
:
•
•
•discounted amounts are not included in Tier II Capital for Capital Adequacy purposes.
Amount
---
--
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I
II II
II
II
II
II
II
II
Punjab & Sind Bank
2018-19
-
- Total amount outstanding. NA- Of which amount raised during the current year NA- NA
- Total amount outstanding- Of which amount raised during the current year.-
– Basel II.
-- Nil
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
II I
Punjab & Sind Bank
2018-19
---
Basic indicator approach
A.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
•
•
•
•
•
Punjab & Sind Bank
2018-19
as NPA.
Balance Sheet date etc.
•
•
•credit.
•
•
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
•
•
•
•
•
•
•
•
•
•
•
Punjab & Sind Bank
2018-19
:
•
•
•
•
Cell.
•
•
•are in place.
•
•
•
•
Category12
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
23.33
Punjab & Sind Bank
2018-19 111
Category1
--
2--
B.1 SUGAR
D.1 COTTON
D.1.1 SPINNING
D.2.1 SPINNING
23.33
D.3.1 SPINNING
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19112
112.31
Punjab & Sind Bank
2018-19 113
112.31
R.1 TRANSPORT
T.Residuary
iatkc ,.M fla/ cSad
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Punjab & Sind Bank
2018-19
Exposure1 Infrastructure2 Residuary
(Standard
Next 1 Day
Category123
Net NPAs
Category Percent1 Gross NPAs to Gross advances2 Net NPAs to Net advances
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
Punjab & Sind Bank
2018-19
Opening Balance
Closing Balance
Amt. in crores
Sl.No Provision Provisions for NPAsOpening Balance
AddUpgraded Accounts
Closing Balance
Opening BalanceProvisions made during the period
Closing Balance
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
i
ii
Punjab & Sind Bank
2018-19
agencies.
Short
xcept
Deducted
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
→
→
→
Punjab & Sind Bank
2018-19 121
→
→
→ Guarantees
. :
collaterals recognized:
i. Cash and Certain Deposits.
ii.
iii.
iv.
v.
vi.
vii.
viii.
ix.
4. Guarantees
i.
ii.
iii.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19122
III
Punjab & Sind Bank
2018-19 123
weights.
mismatches.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
•
•
•
•
•
Punjab & Sind Bank
2018-19
•
•
•
•
• Compliance with regulatory requirements
The capital requirements for:
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
is monitored at regular intervals.
Crores
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II III
II III
II III
II
II
•
•
Punjab & Sind Bank
2018-19
st
– Basel II.
•
•
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
•II
I
I II I
Punjab & Sind Bank
2018-19 131
•discounted amounts are not included in Tier II Capital for Capital Adequacy purposes.
-- Nil
-
-
-
Basic indicator approach
a)
b)
c)
d)
e)
f)
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19132
Punjab & Sind Bank
2018-19 133
g)
as NPA.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
credit.
:
are in place.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
2
1.32
13.31
Punjab & Sind Bank
2018-19
Category
1
2
Category
1-
-
2-
-
B.1 SUGAR
1.32
D.1 COTTON
D.1.1 SPINNING
D.2.1 SPINNING
D.3.1 SPINNING 13.31
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1
Punjab & Sind Bank
2018-19
1
R.1 TRANSPORT
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
T.Residuary
Exposure1 Infrastructure2 Residuary
(Standard
Next 1 Day
Category123
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Net NPAs
Category Percent1 Gross NPAs to Gross advances2 Net NPAs to Net advances
Opening Balance
Closing Balance
Sl.No Provision Provisions for NPAs
Opening Balance
Add
Upgraded Accounts
Closing Balance
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
Punjab & Sind Bank
2018-19
Opening Balance
Provisions made during the period
Closing Balance
1.
2.
3.
agencies.
4.
5.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II III
→
→
→
Punjab & Sind Bank
2018-19
6.
7. The Short
8.
9.
i)
xcept
ii)
Deducted
→
→
→ Guarantees
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II III
III
Rs
Punjab & Sind Bank
2018-19
. :
collaterals recognized:
i. Cash and Certain Deposits.
ii.
iii.
iv.
v.
vi.
vii.
viii.
ix.
4. Guarantees
i.
ii.
iii.
weights.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
•••••
Punjab & Sind Bank
2018-19
mismatches.
•
•
•
•
• Compliance with regulatory requirements
The capital requirements for:
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
“ “ “ ” “ “
Punjab & Sind Bank
2018-19
T
is monitored at regular intervals.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Current Exposure
1
2 Retained earnings
3
n.a.
n.a.
11
12
13
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Not Relevant
21 Amount upto
22 n.a.
23 n.a.
of which: mortgage servicing rights n.a.
n.a.
n.a.
n.a.
n.a.
31
32
33
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I
II
Punjab & Sind Bank
2018-19
Tier 2 capital: instruments and provisions
n.a.
n.a.
Provisions
Investments in own Tier 2 instruments
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
59
III
III
III
Punjab & Sind Bank
2018-19
Cap on inclusion of provisions in Tier 2 under standardised approach
n.a.
n.a.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
in India
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
XXI
XII
XIII
XIII
A
Lad
Nro
Gn
Lad
Nro
Gn
CIR
IMD
DF
Lad
Nro
Gn
Lad
Nro
Gn
RBI
DBR
No
BPBC
RBI
DBR
No
BPBC
RBI
DBR
NO
BP
BC
NO
DBR
BP
BC
NO
III
I
III
I
Punjab & Sind Bank
2018-19
S.D
iscl
osur
e te
mpl
ate
for
mai
n fe
atur
es o
f reg
ulat
ory
capi
tal
inst
rum
ents
cror
e cr
ore
cror
e
1Is
suer
2 3in
stru
men
tCo
ntra
ct
Com
pani
es A
ct
and
tran
sfer
of
Dep
osito
ries
Conc
erne
d
.pro
visi
ons
cont
aine
d in
ann
exur
e C
and/
or
anne
xure
D to
th
e co
mpa
nies
Gov
ernm
ent's
and
form
s
Cont
ract
Com
pani
es A
ct
and
tran
sfer
of
Dep
osito
ries
Conc
erne
d
.pro
visi
ons
cont
aine
d in
ann
exur
e C
and/
or
anne
xure
D to
th
e co
mpa
nies
Gov
ernm
ent's
and
form
s
Cont
ract
Com
pani
es
and
tran
sfer
of
Dep
osito
ries
Conc
erne
d
.pro
visi
ons
cont
aine
d in
ann
exur
e C
and/
or
anne
xure
D to
th
e co
mpa
nies
Gov
ernm
ent's
and
form
s
Cont
ract
Com
pani
es
and
tran
sfer
of
Dep
osito
ries
Conc
erne
d
prov
isio
ns
cont
aine
d in
ann
exur
e C
and/
or
anne
xure
D
to th
e co
mpa
nies
Gov
ernm
ent's
rule
s an
d
BOA
RD O
F IN
DIA
Tier
IITi
er II
Tier
IITi
er II
Tier
IITi
er I
Tier
IITi
er II
Tier
IITi
er II
Tier
IITi
er I
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
II
II
II II
I
Punjab & Sind Bank
2018-19
Solo
Solo
Solo
Solo
Solo
Solo
Inst
rum
ent t
ype
inst
rum
ents
inst
rum
ents
inst
rum
ents
inst
rum
ents
inst
rum
ents
Tier
I in
stru
men
t
Am
ount
reco
gnis
ed in
mill
ion,
as
of m
ost r
ecen
t
Nil
Nil
Par
valu
e of
inst
rum
ent
11O
rigi
nal d
ate
of is
suan
ce
12Pe
rpet
ual o
r da
ted
Dat
edD
ated
Dat
edD
ated
Dat
edPe
rpet
ual
13O
rigi
nal m
atur
ity d
ate
NA
supe
rvis
ory
appr
oval
No
No
No
No
amou
nt
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
coup
onFi
xed
Fixe
dFi
xed
Fixe
dFi
xed
Fixe
d
Coup
on ra
te a
nd a
ny re
late
d in
dex
stop
per
No
No
No
No
No
21N
oN
oN
oN
oN
oN
o
22 23
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
into
NA
NA
NA
NA
NA
NA
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
RBI
guid
eline
s II
I
PON
V
III
I
III
Punjab & Sind Bank
2018-19
inst
rum
ent i
t con
vert
s in
toN
AN
AN
AN
AN
AN
A
NO
NO
NO
NO
31N
AN
AN
AN
ARB
I Gui
delin
es
32N
AN
AN
AN
A
33te
mpo
rary
NA
NA
NA
NA
Perm
anen
t
mec
hani
sm
NA
NA
NA
NA
NA
conv
ersi
on a
nd a
per
man
ent w
rite
dow
ni.e
.the
to it
s or
igin
al v
alue
in fu
ture
in c
onfo
rmity
with
the
prov
isio
ns o
f the
RBI
Bas
el II
I Gui
delin
es.
stan
dard
s.
imm
edia
tely
sen
ior
to
clai
ms
of a
ll de
posi
tors
and
ge
nera
l cre
dito
rs o
f
feat
ures
NA
NO
feat
ures
mat
urity
of
NA
NA
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II X
“ ” “ ”
“ ”
IFSC “PSIB ” IFSC ”PSIB ”
Punjab & Sind Bank
2018-19
1.
IssuerIssue Size Instrument
Issuance/ Trading In Dematerialized Form
Security Unsecured
Issue Price
Tenure None
Coupon Rate * Interest Payment AnnualInterest Payment Date
Trustee
DepositoryRegistrars
to one day prior to the Deemed Date of Allotment
Punjab & Sind Bank" and crossed “Account
Punjab &
Issue Opens on ^Issue Closes on ^
Deemed Date of Allotment ^
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
II XI
“ ” “ ”
“ ”
IFSC ”PSIB ” IFSC ”PSIB ”
Punjab & Sind Bank
2018-19
2.
IssuerIssue Size
Instrument
Nature of Instrument
Issuance/ Trading In Dematerialized Form
Security Unsecured
Issue Price
Tenure None
Coupon Rate *Interest Payment AnnualInterest Payment Date
Trustee DepositoryRegistrars
Punjab & Sind Bank" and crossed “Account
Punjab &
Issue Opens on ^Issue Closes on ^
Deemed Date of Allotment ^
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
II XII
“ ” “ ”
“ ”
IFSC ”PSIB ” IFSC ”PSIB ”
Punjab & Sind Bank
2018-19
3.
IssuerIssue Size
Instrument
Nature of Instrument
Issuance/ Trading In Dematerialized Form
Security Unsecured
Issue Price
Tenure None
Coupon Rate *Interest Payment AnnualInterest Payment Date
Trustee DepositoryRegistrars
Punjab & Sind Bank" and crossed “Account
Punjab &
Issue Opens on ^Issue Closes on ^
Deemed Date of Allotment ^
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
II XIII
“ ” “ ”
“” IFSC ”PSIB ”
Punjab & Sind Bank
2018-19
IssuerIssue Size
Instrument
Nature of Instrument
Issuance/ Trading In Dematerialized Form
Security Unsecured
Issue Price
Tenure None
th
th
Coupon Rate *Interest Payment AnnualInterest Payment Date
Trustee DepositoryRegistrars
By way of electronic transfer of funds through RTGS mechanism for credit in the account of IFSC Code: for New Delhi
Issue Opens on ^ th
Issue Closes on ^ th
th th
Deemed Date of Allotment ^
th
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
III
III XIV
“ ” “ ”
“ ”“ ”
IFSC PSIB
Punjab & Sind Bank
2018-19
IssuerIssue Size
Instrument
Nature of Instrument
Issuance/ Trading In demat mode only
Security
Issue Price
TenureNoneNone
Coupon RateInterest Payment AnnualInterest Payment DateTrusteeDepositoryRegistrar
the Deemed Date of Allotment.
Issue Opens onIssue Closes onPay in DateDeemed Date of Allotment
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
III
“ ”III
“ ”
i
iiIII
iii
ivv
“ ” “ ”
Punjab & Sind Bank
2018-19
IssuerIssue Size
Instrument
Nature of Instrument arrangement that legally or economically enhances the seniority of the claim of the holders of the Bonds
Issuance/ Trading In demat mode only
Security Unsecured
Issue Price
Tenure PerpetualNone
At PAR
PerpetualCoupon RateInterest Payment AnnualInterest Payment DateTrustee
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
*
“ ”
“IFSC ”PSIB ”
•
•
Punjab & Sind Bank
2018-19
Depository
RegistrarInterest on
DelhiIssue Opens onIssue Closes onPay in DateDeemed Date of Allotment
•purpose.
•
with RBI guidelines.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
••
I II
III
1.
2.
3.
1.
2. III 3.
Punjab & Sind Bank
2018-19
Nil
Nil
3period.
Nil
4 Nil
5 Nil
Nil7
capital requirements.
RRB is given treatment as per
Item1.2.
3.
1.
2.
3.
Replacement cost associated with all
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
11.
12.
13.
21
22 III
Punjab & Sind Bank
2018-19
11.
12. Gross SFT assets 13.
CCR exposure for SFT assets
Capital and total exposures
21
22
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
S. Mann & Co.Chartered Accountants Chartered Accountants
Suresh Chandra & AssociatesChartered Accountants Chartered Accountants
Report on Audit of the Financial Statements
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
provisioning thereon is made in accordance
auditors we have placed reliance on their reports and ensured that changes
Necessary changes were carried out during the course of audit and the
year ended 31st
Sale and Held for trade.
provision thereon, is carried out in accordance with the relevant circulars / guidelines /
:
Our Audit approach towards Investments with reference to the RBI circulars/
Financial statements for the year ended 31st
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
,
, ,
,
,
,
,,
RBI
Punjab & Sind Bank
2018-19
recognized unless there is a virtual certainty that
forward.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
override of internal control.
concern.
audit.
st
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
we report that:
audit.
and
Chartered Accountants
Partner
Chartered Accountants
CA. Baldev GargPartner
Chartered Accountants Chartered Accountants
CA Sandeep GuptaPartner
Place: New Delhi
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1
2
3
11
12
Punjab & Sind Bank
2018-19
Capital 1
2
Deposits 3
Borrowings
Investments
Advances
Fixed Assets
Other Assets 11
12
Notes on Accounts
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
13
i viii
Punjab & Sind Bank
2018-19
Interest earned 13
Other income
Interest expended
Transfer to:Statutory Reserve
Capital Reserve [Investment]
Investment Reserve
Fund
Balance carried over to Balance Sheet
Notes on Accounts
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Chartered Accountants Chartered Accountants
Partner Partner
Chartered Accountants Chartered Accountants
Partner Partner
Place: New Delhi
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I.
II.
Punjab & Sind Bank
2018-19
I.II.
I.
II.
I.Opening Balance
II.
Opening Balance
Opening Balance
III.Opening Balance
Opening Balance
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
V.
Punjab & Sind Bank
2018-19
Opening Balance
Opening Balance
Opening Balance
A
ii. From others
ii. From others
B
I. Borrowings in India
II. Borrowings outside India
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I.
II.
III.
I.
II.
Punjab & Sind Bank
2018-19
III. Interest accrued
I. Cash in hand [including foreign currency notes]
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II.
Punjab & Sind Bank
2018-19 211
I. Investments in India in
**
II. Investments outside India
A
B
C
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19212
I
II.
III.
$$
$$
Punjab & Sind Bank
2018-19 213
I. Premises
Cost [Opening Balance]
Original Cost
Original Cost
Original cost
II. Other Fixed Assets
Cost [Opening Balance]
II. Interest accrued
III. Tax paid in advance/ Tax deducted at source
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I.
II.
III.
I.
II.
III.
I
II
III
Punjab & Sind Bank
2018-19
II. Income on investments
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I
II
III
I
II
III
IX
X
XI
XII
Punjab & Sind Bank
2018-19
I. Interest on deposits
III. Others
I. Payments to and provisions for employees
IX. Postages, Telegrams, Telephones etc.
XI. Insurance
XII. Other expenditure
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I
II
III
IV
V
VI
Punjab & Sind Bank
2018-19
i.
ii.
iii. Shares
iv.
v.
vi. Others
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I
II
III
IV
II
Punjab & Sind Bank
2018-19 221
3.3 :
i.
ii.Trading.
iii.
iv.
provided for each investment individually
a.
c.
the latest Balance Sheet, which are not older than one year on the date
d.e. At carrying cost.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19222
“ ” “ ”
4.1
I
II
III
Punjab & Sind Bank
2018-19 223
3.
a.
c.
3.12
Category of Assets
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
i
ii
iii
Punjab & Sind Bank
2018-19
as per RBI guidelines.
1 Premises
2
3
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
II
Punjab & Sind Bank
2018-19
schemes.
lease.
pronouncement/ legal opinions.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I II
II II
II
I III
I III
Punjab & Sind Bank
2018-19
1
the period up to and remained outstanding as on
3 Capital
3.2
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I III
II III
III
I
II
Punjab & Sind Bank
2018-19 231
Percentage of the shareholding of the Government of India
PNCPS:IPDI:
Preference Share Capital Instruments:
In India
Outside India Nil Nil
In India
Outside India Nil Nil
In India
Outside India Nil Nil
Add: Provisions made during the year
Closing balance
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19232
i
ii
i.
ii.
iii.
iv.
v.
vi.
vii.
Punjab & Sind Bank
2018-19 233
Outstanding Outstanding Daily AverageOutstanding
Balance as on
Outstanding Outstanding Daily AverageOutstanding
Balance as on
Repos
Amount Extent of
Placement
Extent of ‘Below Extent of Extent of
i. PSUsii. FIsiii.iv. Private Corporatev.vi. Othersvii. Provision held towards
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Nil NilNil NilNil Nil
Investment Reserve Account.
Opening Balance
Closing balance
Opening Balance
Closing balance
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1
2
3
11
Punjab & Sind Bank
2018-19
Opening Balance
Add: provisions made during the year
Closing balance
5.3
Sr. Amount
1
2
3
11into account the divergence in provisioning
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Sl.
Und
er C
DR
Oth
ers
Std.
Total
Std.
Total
Std.
Total
Std.
Total
1Re
stru
ctur
ed A
ccou
nts
as o
n N
o.of
Bor
row
er1
23
21
13
Am
t.O
/s2.
21
Prov
. the
reon
2.11
2Fr
esh
Rest
ruct
urin
g du
ring
the
year
No.
of B
orro
wer
22
Am
t.O
/s
Prov
. the
reon
3
No.
of B
orro
wer
11
11
Am
t.O
/s
Prov
. the
reon
Rest
ruct
ured
Std
. Adv
.whi
ch
rest
ruct
ured
Std
. Adv
ance
s at
No.
of B
orro
wer
22
22
Am
t.O
/s
Prov
. the
reon
rest
ruct
ured
acc
ount
s du
ring
No.
of B
orro
wer
11
11
21
23
2.32
Rest
ruct
ured
acc
ount
s as
N
o.of
Bor
row
er2
13
1221
Am
t.O
/s
Prov
. the
reon
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
A B
Punjab & Sind Bank
2018-19
Period No. of Borrowers
structuring
Standard NPABefore applying
structuring1
No. of accounts where SDR has
Amount outstanding as on Amount outstanding as on the
accounts where conversion of
Amount outstanding as on the
Standard NPA Standard NPA Standard
No. of accounts
have decided
change in ownership
Amount outstanding as Amount outstanding as
with respect to accounts where conversion
equity shares is pending
Amount outstanding as
with respect to accounts
pledge of equity shares
Amount outstanding
date with respect to accounts where
change in ownership is
of fresh shares or sale of promoters equity
Standard as NPA Standard as NPA Standard as NPA Standard as NPA
Aggregate amount outstanding
Amount outstanding Provision held
In Part A In Part B
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
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Punjab & Sind Bank
2018-19
A. Details of Sales
companies as underlyingTotal
1. No. of accounts purchased during the yearAggregate outstanding
2.Aggregate outstanding
1. No. of accounts sold2. Aggregate outstanding3.
Provisions towards Standard Assets
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
23
GST
( )
Punjab & Sind Bank
2018-19
Amount As on DateNil Nil
23 Nil NilNil Nil
RBI
No. of Accounts Restructured
Return on Assets
DepositsBorrowings Excl. Bonds Assets
1 day
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
i.
ii.
.
Punjab & Sind Bank
2018-19
DepositsBorrowings Excl. Bonds Assets
31 days to 2 months
Category
i.
ii.
exposuresNil Nil
a. Nil Nil
Nil Nil
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
1
Punjab & Sind Bank
2018-19
1.
2. Nil
3. Nil
Nil
Nil
NilNil
Nil
Sl.during the year
1
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
I
Punjab & Sind Bank
2018-19
licenses, authority etc.
licenses, authority etc.
RBI guidelines except those disclosed elsewhere in the notes.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
21.13
Punjab & Sind Bank
2018-19
material.
st April Interest cost Past Service CostCurrent service cost
st
Changes in the Present Value of Plan Assets
Fair value of Plan Assets as at 1st April
21.13
Fair value of Plan Assets as at 31st
Actual return on Plan Assets
end of the year
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
21.13
22.33
Nil Nil Nil Nil Nil Nil
22.33
Punjab & Sind Bank
2018-19
st
st
Nil Nil Nil Nil Nil
the year
Current service costPast Service Cost Interest cost
during the year
21.1322.33
Nil Nil Nil Nil Nil Nil22.33
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
22.31
Punjab & Sind Bank
2018-19
Nil Nil22.31 Nil Nil
High Safety Bonds/TDRs NilOther investments Nil
Discount rate
PUC PUC PUC PUC PUC PUC
Discount rate
on plan assets
salary
Encashment *Medical
during the year
Sheet
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
321
321
Punjab & Sind Bank
2018-19
ascertained.
321
321
9. Segment Assets
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
21.33
Punjab & Sind Bank
2018-19
:
21.33
Nil
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1 3.11
2
3 viii
“ ” “”
Punjab & Sind Bank
2018-19
Head
1 Nil 3.112 Provision for wage revision Nil3 Nil
Provision for NPA on Investments
Standard Assets
experts.
•or
•
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
year yearClosing Balance
11.1.
Provision for Non Performing Advances
Provision for Standard Assets
Provision for Non Performing Investments
Other Provisions
Current Tax
Deferred Tax
11.2
Opening Balance Nil Nil
Nil Nil
Draw down during the year Nil Nil
Closing Balance Nil Nil
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1 1
1 1
Punjab & Sind Bank
2018-19
11.3
claimant of old entries.
No. of Complaints received during the year
No. of Complaints redressed during the yearNo. of Complaints pending at the end of the year
1 1Nil Nil
No. of Awards implemented during the year Nil NilNo. of unimplemented Awards pending at the end of the year 1 1
Total Deposits of twenty largest depositorsPercentage of Deposits of twenty largest depositors to Total Deposits
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Sl.Sector* Gross
Percentage of
in that sector
Gross Percentage of
in that sectorA Priority Sector
1Agriculture and allied
2Advances to industries sector
lending3 Services
Personal loans
B
1
2 Industry
3 Services
Personal loans
Gross NPAs as on 1st
st
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
3.22
31.03.2019 31.03.2018 31.03.2019 31.03.2018
2.31*
Punjab & Sind Bank
2018-19
Total AssetsTotal NPAsTotal Revenue 3.22
11.11
limitBalance O/s
limitBalance O/s
Nil NilNil NilNil Nil
Nil Nil Nil Nil
11.12
2.31*
* Principal Amount
iatkc ,.M fla/ cSad
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1
2
3
23333.33
11
12
13
Punjab & Sind Bank
2018-19
11.13
Total Unweighted
Total Total Unweighted
Total Total Unweighted
Total Total Unweighted
Total
1
2 Retail deposits and deposits
of which
3 Unsecured wholesale funding of which
Secured wholesale funding
which
exposures and other collateral requirements
Other contractual funding
23333.33
exposures
11
12
13
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1
2
3
III
Punjab & Sind Bank
2018-19
13.
PrincipalAmount
PrincipalAmount
1
2
year.3
The amount of interest accrued and remaining unpaid.
. These
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Interest on Bonds, PCPS and IPDI
Increase in Fixed Assets
Share Premium received thereon
Interest on Bonds, PCPS and IPDI
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Chartered Accountants Chartered Accountants
Partner Partner
Chartered Accountants Chartered Accountants
Partner Partner
Place: New Delhi
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
1.
2.
3.
“B”
Punjab & Sind Bank
2018-19
Punjab & Sind Bank
Regd. Folio No./Client ID: No. of Shares
............................ .............................................................................
.................................................................. .............................................................................
Revenue Stamp
3.
not less than hours of .
such instrument relates.
iatkc ,.M fla/ cSad
okf"kZd fjiksVZ 2018-19
Punjab & Sind Bank
2018-19
Punjab & Sind Bank
Near Jaipur Golden Hospital,
Name of the Shareholder
Signature of Shareholder / Proxy /
Punjab & Sind Bank
Near Jaipur Golden Hospital,
Name of the Shareholder
Signature of Shareholder / Proxy /
Outer
Rin
g Roa
d
Outer
Rin
g Roa
d
Outer
Rin
g Roa
d
� Jj,(..c:i!I en,Jh,1 3tRlct,,tl/ Chief Vigilance Officer p
-51\' � m.r {"<Mlaft) Sh. Sanjay Jain {CVO)
� Jt61CJriact, / General Managers p
��� Smt. Harvinder Sachdev
-51\' iiRfif � o!ro1f\' Sh. Jayanta Kumar Nayak
-51\' m;ftcr � Sh. Rajlv Rawat
.'51\' cll?11.i4 ttSh. Netranand Sethi
-51\' 4c5ufl ii fa'e' �Sh. Daljit Singh Grover
, 'l'f.l;uJ iit lit T<ffiJ
� � 'ft:igr � 11'3 Punjab & Sind Bank(tnTI1' lm61t ,.;r-a,q;q) l!J (A Govt. ol lndl1 Undfflll<lng)
Where service is a way of life