-7T7 D4BE WL8J2 DIELVTK . U JRK - BSE

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REPORT OF THE BOARD OF DIRECTORS TO THE STATE BANK OF INDIA, THE RESERVE BANK OF INDIA AND THE GOVERNMENT OF INDIA IN TERMS OF SECTION 43(1) OF THE STATE BANK OF INDIA (SUBSIDIARY BANKS) ACT 1959 PERIOD COVERED BY THE REPORT: 1 ST APRIL 2012 TO 31 ST MARCH 2013 The Board of Directors of State Bank of Bikaner and Jaipur have pleasure in presenting this Annual Report together with the audited Balance Sheet and Profit and Loss Account of the Bank for the year ended 31 st March 2013. MANAGEMENT DISCUSSION AND ANALYSIS ECONOMIC ENVIRONMENT WORLD ECONOMY Global economic prospects have improved but the road to recovery in the advanced economies will remain bumpy. In advanced economies, activity is expected to gradually accelerate, starting in the second half of 2013. Over the past six months, advanced economy policymakers have successfully defused two of the biggest short-term threats to the global recovery, the threat of a euro area breakup and a sharp fiscal contraction in the United States caused by a plunge off the “fiscal cliff.” In response, financial markets have rallied on a broad front. Growth in several emerging and developing economies (EDEs) rebounded from the moderation. Among BRICS countries growth accelerated in Brazil and South Africa, while it persisted below trend in China, Russia and India. Inflation has remained benign in the Advanced Economies in the absence of demand pressures and inflation expressions remain well anchored. The inflation in EDEs present a mixed picture. While inflation has picked up in Brazil, Russia and Turkey, it has eased in China, Korea, Thailand and Chile. INDIAN ECONOMY Central Statistical Organisation's (CSOs) advance estimate of 5.0 per cent GDP growth during financial year 2012-13 is lower than the Reserve Bank's base line projections of 5.5 per cent set out in the Third Quarter Review of January, 2013 reflecting slower than expected growth in both industry and services. During 2013- 14 economic activity is expected to show modest improvement over last year. The out look for industrial activity remains subdued, with the pipeline of new investment drying up and existing projects stalled by bottlenecks and implementation gaps. The RBI has projected baseline GDP growth for financial year 2013-14 at 5.7 per cent. By March, 2013, WPI inflation at 6.0 per cent turned out to be lower than the Reserve Banks of India's indicative projection of 6.8 per cent mainly due to sharp decline in nonfood manufactured product inflation in the second half of the year. Keeping in view the domestic demand - supply balance, the outlook for global commodity prices and the forecasting a normal monsoon, RBI expects WPI inflation to be in range band around 5.5 per cent during 2013-14. RAJASTHAN ECONOMY Rajasthan's economy is primarily agricultural and pastoral. The problem of famine and drought is deeply related with the economy of Rajasthan. According to the population of 2001 about 80% of the population lives in rural areas therefore agriculturist tribes On-line Inauguration of 1000 th Branch of the Bank at Sambhar by Hon'ble Union Finance Minister, Govt. of India Sh. P. Chidambaram 7
Page 1 and 2: NOTICE STATE BANK OF BIKANER & JAIP
Page 3 and 4: HIGHLIGHTS ` (`in Crore) 2011-12 20
Page 5: BOARD OF DIRECTORS (AS ON 31 st Mar
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
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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