-7T7 D4BE WL8J2 DIELVTK . U JRK - BSE

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$Q:\Results\Year 2010\January-June\May\May01\Acknit ... - BSE$

Indicators 2 CONTENTS Highlights 03 04 Board of Directors 04 Directors' Report 07 II Basel-II Disclosures 79 Auditors' Report 117 Balance Sheet 120 Profit & Loss Account 122 Schedules 124 Principal Accounting Policies 137 Notes on Accounts 151 Capital & Reserves A Decade of Progress 2004-2013 Total Business Operating Profit Net Profit No. of Branches Average Business per Employee ` (ìn Crore) ` Net Profit per Employee (Ìn lakh ) March 2004 1148.57 25457 681.35 301.52 812 1.70 2.44 March 2005 1297.68 31294 729.64 205.65 824 2.20 1.69 March 2006 1405.66 37790 481.03@ 145.03 832 2.77 1.20 March 2007 1653.71 49246 679.20@ 305.80 844 3.56 2.57 March 2008 1713.21 59427 661.18@ 315.00 850 4.45 2.73 March 2009 2046.47 69312 892.84@ 403.45 860 5.55 3.55 March 2010 2417.40 81622 903.73@ 455.16 861 6.28 3.96 March 2011 2850.81 95596 1140.25@ 550.88 902 7.51 4.84 March 2012 4164.88 111558 1489.61@ 652.03 950 8.27 5.42 March 2013 4764.13 130590 1712.87@ 730.24 1037 9.00 5.91 @ Keeping in view revised RBI guidelines on valuation of investments.
HIGHLIGHTS ` (ìn Crore) 2011-12 2012-13 Total Business including inter-bank deposits 111558 130590 Deposits 61572 72116 Total Advances 49986 58474 Advances (Net) 49244 57535 Investments (Net) 16669 20146 Net Profit 652.03 730.24 Cost of Deposits 6.85% 7.13% Yield on Advances 11.51% 11.64% Net Interest Margin 3.70% 3.62% Paid-up Capital & Reserves 4164.88 4764.13 Èarning per Share (in `) 95.05 104.32 ` Book Value per Share ( in `) 594.98 678.74 Capital Adequacy Ratio IAs per Basel-I IIAs per Basel-II 12.81% 11.81% 13.76% 12.16% Dividend Rate 145% 161% Gross Non Performing Assets 1651.47 2119.49 Gross NPA % 3.30% 3.62% Net NPA % 1.92% 2.27% Advances to Priority Sectors 17690 20807 Advances to Agriculture 9032 9188 Advances to Micro and Small Enterprises 6478 8127 Export Finance 1931 2334 Total number of branches 950 1037 Number of Employees 12866 12831 Average Business per Employee 8.27 9.00 ` Net Profit per Employee (` in lakh) 5.42 5.91 3
Page 1: NOTICE STATE BANK OF BIKANER & JAIP
Page 5 and 6: BOARD OF DIRECTORS (AS ON 31 st Mar
Page 7 and 8: REPORT OF THE BOARD OF DIRECTORS TO
Page 9 and 10: are the biggest sufferers in time o
Page 11 and 12: OPPORTUNITIES, CHALLENGES AND OUTLO
Page 13 and 14: peak and credit off-take showed sig
Page 15 and 16: in 2012-13. As at end-March 2013, t
Page 17 and 18: Bank's business. As at end March 20
Page 19 and 20: the year 2012-13. Apart from this,
Page 21 and 22: physical challans and also through
Page 23 and 24: available under the SARFAESI and RO
Page 25 and 26: Board-approved Loan policy and Cred
Page 27 and 28: een subjected to internal audit. No
Page 29 and 30: usage of Internet banking worldwide
Page 31 and 32: ONLINE LOAN TRACKING SOFTWARE Bank
Page 33 and 34: LOAN TRACKING The Bank had set up t
Page 35 and 36: ATM COMPLAINTS To monitor the ATM f
Page 37 and 38: Ltd., SBI Funds Management Pvt. Ltd
Page 39 and 40: RURAL SELF EMPLOYMENT TRAINING INST
Page 41 and 42: Out of the Bank’s total staff str
Page 43 and 44: to arrange training programme on le
Page 45 and 46: angle, complaints received in the V
Page 47 and 48: 4. That they have prepared the annu
Page 49 and 50: CORPORATE GOVERNANCE BANK’S VISIO
Page 51 and 52: than 5 Directors nominated by State
Page 53 and 54:
the 31 years span of his career wit
Page 55 and 56:
ACB provides directions as also ove
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of the Managing Director (SBBJ), RB
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CORPORATE SOCIAL RESPONSIBILITY As
Page 61 and 62:
editions). The results are also dis
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INFORMATION FOR GENERAL SHAREHOLDER
Page 65 and 66:
DETAILS OF ATTENDANCE OF DIRECTORS
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S. No. Name of Director 1 Shri Prat
Page 69 and 70:
ATTENDENCE OF EC MEETINGS DURING 20
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NUMBER OF SHARES HELD BY THE DIRECT
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BRIEF RESUME OF OTHER NON-EXECUTIVE
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TO THE MEMBERS OF State Bank of Bik
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ANNEXURE-V SHAREHOLDER’S QUERIES
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BASEL-II DISCLOSURES ANNEXURE VI In
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Qualitative and quantitative disclo
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DF-3 : CAPITAL ADEQUACY Qualitative
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Quantitative Disclosures: b) Total
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(i) Movement of Gross NPAs Opening
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IV Description of the process used
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II Main types of credit risk manage
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III Main types of guarantor counter
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No Derivatives have been entered in
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DF-10 INTEREST RATE RISK IN BANKING
Page 99 and 100:
APPENDIX - I Summary information on
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DEFINITIONS OF IMPAIRED ASSETS Non-
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INDUSTRY-WISE DISTRIBUTION OF EXPOS
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OUTFLOWS Day 1 STATEMENT OF STRUCTU
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INFLOWS Day 1 2-7 Days STATEMENT OF
Page 109 and 110:
LIABILITIES 1-28 Days 29D-3MTHS STA
Page 111 and 112:
ASSETS 1-28 DAYS 29D-3- MTHS >3-6 M
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Risk Concentrations within the tota
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BALANCE SHEET AND PROFIT & LOSS ACC
Page 117 and 118:
The State Bank of India Report On T
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7. In our opinion, as shown by book
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Contingent liabilities Bills for C
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PROFIT AND LOSS ACCOUNT FOR THE YEA
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SCHEDULE 2 RESERVES & SURPLUS As
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2,00,00,00 2,00,00,00 IV. Perpetual
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SCHEDULE 8 INVESTMENTS I. Investme
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SCHEDULE 10 Fixed Assets As on 31
Page 133 and 134:
SCHEDULE 12 CONTINGENT LIABILITIES
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SCHEDULE 16 OPERATING EXPENSES I.
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SCHEDULE 17 A BASIS OF PREPARATION:
Page 139 and 140:
2.2 Foreign currency monetary items
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d) Equity shares At market price, i
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ii) In case the sale is at price hi
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8.5 Option premium paid or received
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1972 unless the same is higher in t
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13.2 Deferred tax assets and liabil
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SCHEDULE 18 NOTES FORMING PART OF T
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ongoing basis for credit risk, mark
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7. Investments (` in crore) Particu
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ii) Non-performing Non-SLR Investme
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10. Asset Quality i) Non-Performing
Page 161 and 162:
iv) DISCLOSURE OF RESTRUCTURED ACCO
Page 163 and 164:
DISCLOSURE OF RESTRUCTURED ACCOUNTS
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v) Details of financial assets sold
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4 Amount of exposures to securitiza
Page 169 and 170:
12. Asset Liability Management Matu
Page 171 and 172:
ii) Advances against shares/bonds/d
Page 173 and 174:
17. Details of Provisions & Conting
Page 175 and 176:
21. Off-balance Sheet SPVs sponsore
Page 177 and 178:
26. DISCLOSURES IN TERMS OF MSMED A
Page 179 and 180:
31. AS - 15 Employee Benefits (Revi
Page 181 and 182:
Net actuarial losses (Gain) recogni
Page 183 and 184:
Insurance Scheme 19.52 6.21 0.00 0.
Page 185 and 186:
Retirement Award 0.00 0.00 Others 0
Page 187 and 188:
PART - A: BUSINESS SEGMENTS Particu
Page 189 and 190:
34. AS-19: Leases: The company's si
Page 191 and 192:
38. AS-23 : Accounting for Investme
Page 193 and 194:
Statement of cash flow for the year
Page 195 and 196:
C. CASH FLOW FROM FINANCING ACTIVIT
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