-7T7 D4BE WL8J2 DIELVTK . U JRK - BSE

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` ` ` ` 40 Behavioural Science) IIBF, NIBM CAB CAFRL
Out of the Bank’s total staff strength as on 31.03.2013, 2813 (21.92%) belong to SC and 1196 ( 9.32%) to ST categories. Reservation policy is implemented in our Bank as per Government guidelines. Necessary complement of staff has been made available for working in new frontiers like core banking solution, tele-banking, internet banking, ATMs, credit/debit cards, marketing, cross selling, business process re-engineering etc. The Bank has been according high priority to training and sensitization of staff members to respond to the customers’ expectations and deliver modern banking facilities in the technology driven environment. Qualitative training for human resources has become necessary for improvement in the efficiency of human capital. In this era of globalization, privatization of banks and new management concepts, the Bank has to give high priority to training needs to human resources to enable them to cater the needs of its esteemed customers. Looking to these facts, a total no of 6641 employees of all categories, including 300 employees of the sponsored RRBs,were provided training opportunities on various subjects related to banking and technology at all the three STCs of the bank during the year. The bank has also provided pre recruitment training to 297 SC/ST candidates appearing in the written test for recruitment of clerical cadre and officer cadre during the year. In addition to this 35 seminars/ workshops were conducted on various topics to up-date skills of employees. More thrust has been accorded to Mobile Banking Internet banking, ATM services Soft skills, System & Procedures, Marketing, quality services to the customers in view of the ever changing customer needs. We have also conducted training programmes on Management Skills for first time posted Branch Managers during the FY 2012-13. Apart from in-house training, the Bank has provided facility of training to its officers in specialized areas at apex training institutes like State Bank Academy Gurgaon, State Bank Staff College, Hyderabad, SBIICM Hyderabad, SBIRD Hyderabad, CAB- Pune, and IIBF-Mumbai. During the said period 1175 officers have been trained at these external agencies in the areas of Core Banking Solution, Forex, Fraud Detection, Market Risk Management, Risk Management, NPA Management, Stress Assets Management, Legal option of recovery, HR, SME, ATM, Behavioural science, International Banking & Appraisal of high value Credit Proposal. For Various other programmes we have also deputed our officers to Indian Institute of Banking & Finance (IIBF), NIBM-Pune, CAB-Pune, and CAFRL-Mumbai etc. During the current financial year, we have deputed 7 officers for specialized programmes held abroad in many places like - 45 th annual meeting of Asian Development Bank (ADB) held at Manila (Philippines), Annual meeting of IMF & World Bank at Tokyo (Japan), Beyond boundaries overseas training at Harvard Business School, Boston (USA), Advanced Management Programme on towards the next orbit: Indian Banking sector at New Delhi & Europe, overseas training in Finance Driving Corporate Performance, China, Programme on Leadership and Managing People at Pennsylvania (Philadelphia). We have taken a new initiative -by launching of "Gyannodaya" e-learning portal of SBBJ which will inculcate a culture of self learning amongst the employees. A scheme of deputing top executives (GMs and DGMs) of the bank for one training programme of their choice, at reputed external training institutions, has been started. Similarly, we are also taking up steps Bank's Foreign Exchange Stall in the Camel Festival at Bikaner 41
Page 1 and 2: NOTICE STATE BANK OF BIKANER & JAIP
Page 3 and 4: HIGHLIGHTS ` (`in Crore) 2011-12 20
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: RURAL SELF EMPLOYMENT TRAINING INST
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
Page 57 and 58: of the Managing Director (SBBJ), RB
Page 59 and 60: CORPORATE SOCIAL RESPONSIBILITY As
Page 61 and 62: editions). The results are also dis
Page 63 and 64: INFORMATION FOR GENERAL SHAREHOLDER
Page 65 and 66: DETAILS OF ATTENDANCE OF DIRECTORS
Page 67 and 68: S. No. Name of Director 1 Shri Prat
Page 69 and 70: ATTENDENCE OF EC MEETINGS DURING 20
Page 71 and 72: NUMBER OF SHARES HELD BY THE DIRECT
Page 73 and 74: BRIEF RESUME OF OTHER NON-EXECUTIVE
Page 75 and 76: TO THE MEMBERS OF State Bank of Bik
Page 77 and 78: ANNEXURE-V SHAREHOLDER’S QUERIES
Page 79 and 80: BASEL-II DISCLOSURES ANNEXURE VI In
Page 81 and 82: Qualitative and quantitative disclo
Page 83 and 84: DF-3 : CAPITAL ADEQUACY Qualitative
Page 85 and 86: Quantitative Disclosures: b) Total
Page 87 and 88: (i) Movement of Gross NPAs Opening
Page 89 and 90: IV Description of the process used
Page 91 and 92:
II Main types of credit risk manage
Page 93 and 94:
III Main types of guarantor counter
Page 95 and 96:
No Derivatives have been entered in
Page 97 and 98:
DF-10 INTEREST RATE RISK IN BANKING
Page 99 and 100:
APPENDIX - I Summary information on
Page 101 and 102:
DEFINITIONS OF IMPAIRED ASSETS Non-
Page 103 and 104:
INDUSTRY-WISE DISTRIBUTION OF EXPOS
Page 105 and 106:
OUTFLOWS Day 1 STATEMENT OF STRUCTU
Page 107 and 108:
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
Page 113 and 114:
Risk Concentrations within the tota
Page 115 and 116:
BALANCE SHEET AND PROFIT & LOSS ACC
Page 117 and 118:
The State Bank of India Report On T
Page 119 and 120:
7. In our opinion, as shown by book
Page 121 and 122:
Contingent liabilities Bills for C
Page 123 and 124:
PROFIT AND LOSS ACCOUNT FOR THE YEA
Page 125 and 126:
SCHEDULE 2 RESERVES & SURPLUS As
Page 127 and 128:
2,00,00,00 2,00,00,00 IV. Perpetual
Page 129 and 130:
SCHEDULE 8 INVESTMENTS I. Investme
Page 131 and 132:
SCHEDULE 10 Fixed Assets As on 31
Page 133 and 134:
SCHEDULE 12 CONTINGENT LIABILITIES
Page 135 and 136:
SCHEDULE 16 OPERATING EXPENSES I.
Page 137 and 138:
SCHEDULE 17 A BASIS OF PREPARATION:
Page 139 and 140:
2.2 Foreign currency monetary items
Page 141 and 142:
d) Equity shares At market price, i
Page 143 and 144:
ii) In case the sale is at price hi
Page 145 and 146:
8.5 Option premium paid or received
Page 147 and 148:
1972 unless the same is higher in t
Page 149 and 150:
13.2 Deferred tax assets and liabil
Page 151 and 152:
SCHEDULE 18 NOTES FORMING PART OF T
Page 153 and 154:
ongoing basis for credit risk, mark
Page 155 and 156:
7. Investments (` in crore) Particu
Page 157 and 158:
ii) Non-performing Non-SLR Investme
Page 159 and 160:
10. Asset Quality i) Non-Performing
Page 161 and 162:
iv) DISCLOSURE OF RESTRUCTURED ACCO
Page 163 and 164:
DISCLOSURE OF RESTRUCTURED ACCOUNTS
Page 165 and 166:
v) Details of financial assets sold
Page 167 and 168:
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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