Untitled - Andhra Bank

412 Pages·2017·5.73 MB·English

̾ãÌãÔãã¾ã „§ãÀªããä¾ã¦Ìã ãäÀ¹ããñ›Ã BUSINESS RESPONSIBILITY REPORT
ANNUAL REPORT 2016-17
àËßÏß¾ßÐßæ½ßã / CONTENTS
• ±¾ßß ˆËßÞ µßƹßÞ±ß à²ß§ëÍ߉~ Ðßë / From the Managing Director & CEO................................................................................................2
• ËßßàÏßÉ~ Ðßß±ßßÀ¢ß ¹ßì׉~ ‰~ã Ðßæ½ß²ßß / Notice of Annual General Meeting ..............................................................................................6
• à²ß§ëÍ߉~íëÝ ‰~ã àÀµßíëÖà / µßƹßÞ±ß²ß àËß½ßßÀ àËß¼ßÍßà ˆËßÞ àËßÍÉßëÏß¢ß / Directors’ Report / Management Discussion and Analysis ...........................14
• ̾ãÌãÔãã¾ã „§ãÀªããä¾ã¦Ìã ãäÀ¹ããñ›Ã / Business Responsibility Report..............................................................................................................44
• ¹ßëÐßÉß II ‰ë~ àµßÉßÀ III ‰ë~ Þ£ßßÃ£ß µßƉ~Öã‰~À¢ß (²ß¾ßß µßæïÞÌß㠵߾ßßõ£ß£ßß ¶Æë~¼ßË߉Ã~) / Disclosures Under Pillar-III of Basel-II
(New Capital Adequacy Framework) .....................................................................................................................................64
• ‰~ßµßíëÃÀëÖ ßËß²ßëÄÐß àÀµßíëÖà / Corporate Governance Report................................................................................................................164
• £ßäÉß²ß µß¥ß / Balance Sheet ........................................................................................................................................................232
• Éßßºß Ëß Ñßà²ß ÉßëÛßß / Profit and Loss Account ............................................................................................................................233
• ¼ßÑ£Ëßµßæ¢ßà ÉßëÛßß ²ßãà£ß¾ßíïÞ /Significant Accounting Policies ..............................................................................................................244
• ÉßëÛßíëÝ µßÀ àÖµµßà¢ß¾ßíïÞ / Notes on Accounts ....................................................................................................................................254
• ²ß‰~§ã µßÆËßßÑ àËßËßÀ¢ß / Cash Flow Statement ...............................................................................................................................300
• ÉßëÛßß µßÀãß‰~íëÝ ‰~ã àÀµßíëÖà / Auditors’ Report ..................................................................................................................................302
• ѼßßÀã µßƐßà£ß ‰~ß àËßÑސßßËßÉßíë‰~²ß/ Our Progress at a glance ...............................................................................................................304
• ¼ßäÛ¾ß à²ßϵßߧ²ß ²ßäµßß£ß / Key Performance Ratios ........................................................................................................................306
• àËߧëÍßã ¼ßä§Æß ¼ßëÝ ÐßÞàßµ£ß àËߣ£ßã¾ß àËßËßÀ¢ß
Abridged Financial Statements in Foreign Currency ..........................................................................................................308
• ÍßßÛß߁ßëÝ ‰~ß ËߐßãÉ~À¢ß - Ìß²ßÐßÞÛ¾ßß - Ðß¼ßæÑËßßÀ
Classification of Branches - Population Groupwise ............................................................................................................310
• ²ßäÏßސßã ÐßÞЦß߁ßëÝ ‰ë~ àËߣ£ßã¾ß àËßËßÀ¢ß - ß²±Æßß ¹ßì݉~ ¶~ß‚²ßìÝàÍß¾ßÉß ÐßàËßÃÐßëÐß àÉßà¼ßÖëÊ
Financial Statements of Subsidiary - Andhra Bank Financial Services Limited ...............................................................312
• ß²±ßÆß ¹ßì݉~ ˆËßÞ ‚Ð߉~㠁²ßäÏßސßã ‰~ß Ðß¼ßëà‰~£ß àËߣ£ßã¾ß àËßËßÀ¢ß
Consolidated Financial Statements of Andhra Bank and its Subsidiary ............................................................................368
• µßÆíî¬Ðßã ¶~ß¼ßà / Proxy Form .........................................................................................................................................................402
• ƒµßàЦßà£ß µß½ßãà / µßÆËßëÍß µßßÐß / Attendance Slip / Entry Pass .........................................................................................................404
½ãÖ¦Ìã¹ãî¥ãà Ü㛶ãã‚ããò ‡ãŠã ‡ãõŠÊãñ¥¡À / CALENDAR OF IMPORTANT EVENTS
ÌãããäÓãÇ㊠Ôãã£ããÀ¥ã ºãõŸ‡ãŠ Öñ¦ãì ºãÖãè-Ôã½ãã¹ã¶ã / Book Closure Dates for Annual •ãìÊããƒÃ 15, 2017 Ôãñ •ãìÊããƒÃ 21, 2017 (Íããä¶ãÌããÀ Ôãñ Íãì‰ãŠÌããÀ) / July 15, 2017 to July
General Meeting 21, 2017 (Saturday to Friday)
ãäÀ½ããñ› ƒÃ-Ìããñãä›âØã/Ô©ãã¶ã ¹ãÀ ½ã¦ãªã¶ã ´ãÀã Ìããñ› ªñ¶ãñ Öñ¦ãì ¹ãã¨ã Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠã ¹ã¦ãã ÊãØãã¶ãñ
Öñ¦ãì ãäÌããä¶ããäªÃÓ› ãä¦ããä©ã / Specified Date for ascertaining the shareholders entitled Íãì‰ãŠÌããÀ, •ãìÊããƒÃ 14, 2017 / Friday, July 14, 2017
to vote through remote e-voting / poll at the venue
¹Çããù‡ã‹Ôããè ¹ãŠã½ãÃ/‚ããä£ã‡ãðŠ¦ã ¹ãÆãä¦ããä¶ããä£ã ãä¶ã¾ãì§ãŠ ‡ãŠÀ¶ãñ ÌããÊãñ Ôãâ‡ãŠÊ¹ã ‡ãŠãè ¹ãÆãã书ã Öñ¦ãì ‚ãâãä¦ã½ã ãä¦ããä©ã / Íããä¶ãÌããÀ, •ãìÊããƒÃ 15, 2017 (Ôãã¾ãâ 5.00 ºã•ãñ ¦ã‡ãŠ)
Last date for receipt of Proxy Forms / Resolutions appointing Authorised
/ Saturday, July 15, 2017 (upto 5.00 P.M.)
Representatives
½ãâØãÊãÌããÀ, •ãìÊããƒÃ 18, 2017 (¹ãÆã¦ã: 10.00 ºã•ãñ Ôãñ)
ãäÀ½ããñ› ƒÃ-Ìããñãä›âØã ‚ãÌããä£ã / Remote e-voting Period ØãìÂÌããÀ, •ãìÊããƒÃ 20, 2017 (Ôãã¾ãâ 5.00 ºã•ãñ ¦ã‡ãŠ)
/ Tuesday, July 18, 2017 (from 10.00 A.M.) to
Thursday, July 20, 2017 (upto 5.00 P.M.)
ÌãããäÓãÇ㊠Ôãã£ããÀ¥ã ºãõŸ‡ãŠ ‡ãŠãè ãä¦ããä©ã ¦ã©ãã Ôã½ã¾ã / Date and time of Annual General Íãì‰ãŠÌããÀ, •ãìÊããƒÃ 21, 2017 ¹ãÆã¦ã: 10.00 ºã•ãñ / Friday, July 21, 2017 at 10.00
Meeting A.M.
¥¸½‰¸¸ œ¸£ú®¸ˆÅ AUDITORS £¢]¸¬’︣ ¨¸ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡]¸½¿’
¹ãÆñ½ã Øã칦ãã †Ìãâ ‡ã⊠Registar & Share Transfer Agents
PREM GUPTA & CO ½ãõÔãÔãà †½ãÔããè†Ôã Íãñ¾ãÀ ›ÈãâÔã¹ãŠÀ †•ãò› ãäÊã
Ìããè.‡ãðŠÓ¥ã¶ã †Ìãâ ‡ã⊠002, ¼ãî-¦ãÊã, ‡ãŠãÍããèÀã½ã •ã½ã¶ããªãÔã ãäºããäÊ¡âØã 5,
V.KRISHNAN & CO.
¹ããè ã䡽ãñÊããñ Àãñ¡, ½ããäԕ㪠¹ãîÌãÃ, ½ã콺ãƒÃ - 400009
ºããÍãã †Ìãâ ¶ãÀãäÔã½Ö¶ã
M/s. MCS SHARE TRANSFER AGENT LIMITED
BASHA & NARASIMHAN
002, GROUND FLOOR, KASHIRAM JAMNADAS
ÔããØãÀ †Ìãâ †ÔããñãäÔ㆛ BUILDING, 5, P.D’ MELLO ROAD,
SAGAR & ASSOCIATES MASJID EAST, MUMBAI - 400 009
Ph No. 022 - 40206020/22/23/24
Fax no. 022 - 40206021
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ãäÌã§ããè¾ã ÌãÓãà 2016-17 Öñ¦ãì ‚ãã¹ã‡ãñŠ ºãö‡ãŠ  Ìã¦ãýãã¶ã ¼ãìØã¦ãã¶ã-Øãñ›Ìãñ ‡ãñŠ ‚ããä¦ããäÀ§ãŠ, ºãö‡ãŠ ¶ãñ ãäÌããä¼ã¸ã ¹ãƇãŠãÀ ‡ãñŠ
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 ºãö‡ãŠ ¶ãñ ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ´ãÀã ‘"‚ã›Êã ¹ãòÍã¶ã ¾ããñ•ã¶ãã"’ Öñ¦ãì
 ‡ãìŠÊã ̾ãÌãÔãã¾ã ã䪶ããâ‡ãŠ 31.03.2016 ¦ã‡ãŠ 3,10,673 ‡ãŠÀãñü¡ Á ¹ãâ•ããè‡ãŠÀ¥ã ¦ã©ãã •ããúÞã ‡ãñŠ ãäÊㆠÜãÀñÊãì ¼ããÀ¦ããè¾ã ãä¶ãÌããÔããè ¦ã©ãã †¶ã.
Ôãñ ºãü¤‡ãŠÀ 9.3% Ìãðãä® ªÀ ª•ãà ‡ãŠÀ¦ãñ Öì† ã䪶ããâ‡ãŠ 31.03.2017 ‚ããÀ.‚ããƒÃ. ØãÆãÖ‡ãŠãò ‡ãŠãñ †‡ãŠ ¶ãƒÃ ÔãìãäÌã£ãã ¹ãÆãÀ½¼ã ‡ãŠãè Öõ ý
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 ƒâ›À¶ãñ› ºãöãä‡ãâŠØã Öñ¦ãì ‚ããù¶ã-Êãヶã ÔÌã¾ãâ-Ôãヶ㠂ã¹ã ÔãìãäÌã£ãã ¹ãÆãÀ½¼ã
 ‡ãìŠÊã •ã½ããÀããäÍã¾ããú ãä¹ãœÊãñ ÌãÓãà ½ãò 1,74,302 ‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ ‡ãŠãè ØãƒÃ Öõ ý ØãÆãև㊠¡ñãäºã› ‡ãŠã¡Ã, ãä¹ã¶ã ¦ã©ãã ‚ããñ.›ãè.¹ããè. ´ãÀã ƒâ›À¶ãñ›
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 •ã½ããÀããäÍã¾ããò ‡ãŠãè ÊããØã¦ã 6.43% ÀÖãè ý  ÔãñʹãŠãè Œãã¦ãã ŒããñÊã¶ãñ ÌããÊãã †¹¹ã, ãä•ãÔã½ãò Ôãâ¼ãããäÌã¦ã ØãÆãև㊠ÔãñʹãŠãè
 Ôã‡ãŠÊã ºãö‡ãŠ ¨ãÉ¥ã 136371 ‡ãŠÀãñü¡  Ôãñ ºãü¤‡ãŠÀ 5.76% Ìãðãä® Êãñ‡ãŠÀ ¹ãõ¶ã‡ãŠã¡Ã Ô‡ãõŠ¶ã ‡ãŠÀ‡ãñŠ, ‚ãã£ããÀ ‡ã‹¾ãî.‚ããÀ. ‡ãŠãñ¡ Ô‡ãõŠ¶ã ‡ãŠÀ‡ãñŠ
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Öõ ý ãäÔãÔ›½ã Ôã⪼ãà Ôã⌾ãã ãä¡Ô¹ãÊãñ ‡ãŠÀñØãã ¦ã©ãã Œãã¦ãã ŒããñÊã¶ãñ Öñ¦ãì
 ¨ãɥ㠕ã½ãã ‚ã¶ãì¹ãã¦ã Øã¦ã ÌãÓãà 78.3% ‡ãŠãè ¦ãìÊã¶ãã ½ãò 73.8% ÀÖã ý
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 ãä¶ãÌãÊã º¾ãã•ã ½ãããä•ãöã 3.07% ÀÖã ý
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 ÌãÓãà 2016-17 Öñ¦ãì ãä¶ãÌãÊã Êãã¼ã 174 ‡ãŠÀãñü¡  ÀÖã ý ½ããñºããƒÊã ¦ã©ãã ‚ãã£ããÀ ´ãÀã £ã¶ã-¹ãÆñÓã¥ã ‡ãŠã ãäÌã‡ãŠÊ¹ã Öõ ý ƒÔã½ãò ÌãÞãìÂãÊã
 Ôã‡ãŠÊã ‚ããäØãƽ㠇ãñŠ ¹ãÆãä¦ã Ôã‡ãŠÊã †¶ã¹ããè† ‚ã¶ãì¹ãã¦ã 12.25% ÀÖã ý ¼ãìØã¦ãã¶ã ¹ã¦ãñ ´ãÀã ãä‡ãŠÔããè Ôãñ £ã¶ã ‡ãñŠ ‚ã¶ãìÀãñ£ã Öñ¦ãì ãäÌã‡ãŠÊ¹ã Öõ ý ØãÆãÖ‡ãŠ
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 ½ãドãŠãñ †.›ãè.†½ã. ¦ã©ãã ãä‡ãŠ‚ããñԇ㊠‚ãã„›Êãñ› ´ãÀã ½ããñºããƒÊã Ôã⌾ãã
 ºãñÔãÊã-III ‡ãñŠ ‚ãâ¦ãØãæ㠹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã 12.38% ÀÖã ý
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 ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè ‚ããõÔã¦ã ̾ãã¹ããÀ 16.61 ‡ãŠÀãñü¡  ÀÖã ý  †.ºããè. Íãì¼ã ¾ãã¨ãã - ÖãùãäÊã¡ñ ºãÞã¦ã ¾ããñ•ã¶ãã : †. ºããè. Íãì¼ã ¾ãã¨ãã
 ¶ãñ›Ìã‡ãÊ ãäÌãÔ¦ããÀ : ÌãÓãà 2016-17 ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ 105 ÍããŒãã†â ÖããäÊã¡ñ ºãÞã¦ã ¾ããñ•ã¶ãã ƒ¶ãñºãìÊã ‡ãŠÀ¶ãñ Öñ¦ãì ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ½ãò ‚ããÌã;ã‡ãŠ
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31.03.2017 ¦ã‡ãŠ ºãö‡ãŠ ‡ãŠãè 2908 ÍããŒãã‚ããò, 4 ãäÌãÔ¦ããÀ ¹ã›Êã, ‡ã슇㊠ƒâã䡾ãã ãäÊããä½ã›ñ¡ ‡ãñŠ ÔãÖ¾ããñØã Ôãñ ØãÆãÖ‡ãŠãò ‡ãŠãñ ÖãùãäÊã¡ñ-¹ãõ‡ãñŠ•ã ‡ãŠã
34 Ôãõ›ñÊãホ ‡ãŠã¾ããÃÊã¾ã ¦ã©ãã 3929 †›ã膽ã/ºãã膶ã†/Ôããè‚ããÀ Êãã¼ã „Ÿã¶ãñ Öñ¦ãì Öõ ý
ÔããäÖ¦ã 6875 ãä¡ãäÊãÌãÀãè Þãõ¶ãÊã Öö ý  †.ºããè. ƒÃ-̾ãã¹ããÀ - ̾ãã¹ããÀãè ¼ãìØã¦ãã¶ã †¹¹ã : ØãÆãÖ‡ãŠãò ´ãÀã ̾ãã¹ããÀãè ‡ãŠãñ
ãäÌã§ã ÌãÓãà 2016-17 ‡ãñŠ ªãõÀã¶ã ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ØãÆãև㊠ÔãñÌãã ½ãò Ôãì£ããÀ ‚ãã£ããÀ ƒ¶ãñºãìÊ¡ ¼ãìØã¦ãã¶ã Öñ¦ãì †.ºããè. ƒÃ-̾ãã¹ããÀ †¹¹ã ºã¶ãã¾ãã Øã¾ãã Öõ ý
Öñ¦ãì ãä¶ã½¶ã ‚ããƒÃ.›ãè ¹ãÖÊã ‡ãŠãè Öö ¾ã©ãã : ¾ãÖ †¹¹ã ‚ãºã †â¡Èã¾ã¡ ¹Êãõ›¹ãŠã½ãà ½ãò „¹ãÊ㺣ã Öõ ý ̾ãã¹ããÀãè ºãö‡ãŠ Þãì¶ã
 ãä¶ã•ããè ‡ã‹Êãã„¡ ‡ãŠã¾ããöÌã¾ã¶ã : ºãö‡ãŠ ¶ãñ ¡ã›ã ‡ãñŠ¶³ãò ½ãò ãä¶ã•ããè ‡ã‹Êãã„¡ Ôã‡ãŠ¦ãã Öõ ¦ã©ãã ØãÆãև㊠‡ãŠã ‚ãã£ããÀ ¶ã½ºãÀ (‚ã©ãÌãã ‚ãã£ããÀ ‡ã‹¾ãî.‚ããÀ.
‡ãŠã¾ããöÌã¾ã¶ã ãä‡ãŠ¾ãã Öõ ý ‡ãŠãñ¡ Ô‡ãõŠ¶ã ‡ãŠÀ‡ãñŠ) †â›À ‡ãŠÀ‡ãñŠ †¹¹ã ½ãò ÀããäÍã ƒâãäØã¦ã ‡ãŠÀ ØãÆãև㊠‡ãŠãñ
 ‡ãŠãùÊã-Ôãò›À ‚ãã„›ÔããñãäÔãÄØã : ºãö‡ãŠ ¶ãñ ‡ãŠãùÊã Ôãò›À ‡ãŠãè ‚ãã„›ÔããñãäÔãÄØã ºããù¾ããñ-½ãõãä›È‡ãŠ „¹ã‡ãŠÀ¥ã ¹ãÀ ‚ã¹ã¶ããè …âØãÊããè ÀŒã¶ãñ ‡ãŠãñ ‡ãŠÖ Ôã‡ãŠ¦ãã Öõ
½ãõÔãû•ãà ›ã›ã ãäºã•ã¶ãñÔã Ôã¹ããñ›Ã ÔããäÌãÃÔãñû•ã ãäÊããä½ã›ñ¡ ‡ãŠãñ ‡ãŠãè Öõ ý ¦ã©ãã Êãñ¶ã-ªñ¶ã ‚ããä£ã‡ãðŠ¦ã Öãñ •ãã†Øãã ý
 ØãÆãև㊠´ãÀã ¹ãÆÔ¦ãì¦ã ¹ãƦ¾ãñ‡ãŠ 15 •ããè/†Þã ‚ããÌãñª¶ã ‡ãŠãñ †‡ãŠ ¾ãî¶ããè‡ãŠ
2
ANNUAL REPORT 2016-17
Managing Director & CEO’s Letter to Shareholders
Dear Shareholders, of income earned on deposits and from other sources,
It gives me immense pleasure customer demographic details etc., will be captured during
to share with you that your Bank the process and uploaded to Income Tax department.
crossed yet another milestone  Necessary customization is implemented in Internet Banking
during financial year 2016-17 with application for enabling IMPS facility which allows customers
its total Business surpassing the to remit funds to other bank beneficiaries instantly and 24*7.
Rs.3.39 Lakh Crore mark. The  In addition to the existing Payment Gateways, Bank has
performance highlights of your integrated payment gateways of service providers like
Bank for the Financial Year 2016-17 Techprocess, Atom & Zaakpay for carrying out different
are as follows: types of bill payments online.
 Total Business increased to `3,39,673 Crore as on  Bank has introduced a new facility to domestic Indian
31.03.2017, from `3,10,673 Crore as on 31.03.2016 Resident and NRI customers to enroll and enquire for
registering a growth rate of 9.3%. 'Atal Pension Yojana' scheme through Internet Banking.
 Total Deposits increased to `1,95,441 Crore from  Online Self-sign up for internet banking facility is
`1,74,302 Crore in the previous year, registering a introduced. Customers can register for Internet Banking
growth rate of 12.1%. facility using debit card, PIN & OTP.
 CASA Deposits increased to `57315 Crore from Rs.  Option for generation of PIN by customers themselves for
45465 Crore, registering a growth rate of 26%. Debit Cards in ATMs is introduced.
 Cost of Deposits stood at 6.43%.  Selfie account opening app wherein prospective
 Gross Bank Credit increased to `144232 Crore from customers can take a selfie and submit request for new
`136371 Crore, registering a growth rate of 5.76%. account opening by scanning Aadhar QR code and taking
a scan of PAN card. The system will display the reference
 Credit Deposit Ratio stood at 73.8% compared to
number and instruction to visit opted Branch with original
78.3% during the previous year.
AADHAAR and PAN card for account opening.
 Yield on advances stood at 9.77%
 Bank has launched UPI App that enables linking of multiple
 Net Interest Margin stood at 3.07%. bank accounts into a single mobile App. The App has
 Non-Interest Income stood at `2308 Crore. option to send money using Account No., IFSC, Mobile
 Net Profit for 2016-17 stood at `174 Crore. and Aadhaar. It has the option for requesting money from
anyone using the Virtual Payment Address. Customer can
 Gross NPAs to Gross Advances Ratio stood at 12.25%.
lodge transaction related grievances / complaints directly
 Net NPAs to Net Advances Ratio stood at 7.57%. from the App itself.
 Capital Adequacy Ratio stood at 12.38% under BASEL-III.  Seeding of mobile number to Customer Master through
 Return on Average Assets stood at 0.08%. Micro ATMs and Kiosk Outlets was enabled. After
 Net Profit per Employee stood at `0.90 Lakh. successful validations of all parameters mobile number
will be updated in Customer Master.
 Average Business per Employee stood at `16.61 Crore.
 AB Subh Yatra - Holiday Saving Plan: Necessary
 Network Expansion: During 2016-17, your Bank opened
customisation was built in Internet Banking for enabling
105 Branches and added 293 ATMs/BNAs/CRs. As
AB Subh Yatra holiday saving plan. This holiday saving
on 31.03.2017, Bank had 6875 Delivery Channels
plan is provided in association with M/s Thomas Cook
consisting of 2908 Branches, 4 Extension Counters,
India Limited to enable our customers to avail their Holiday
34 Satellite Offices and 3929 ATMs/BNAs/CRs
Packages.
During FY 2016-17, your Bank has taken the following
 AB eVyapar – Merchant Payment App: AB eVyapar App is
I.T. initiatives to improve Customer Service:
developed for Aadhaar enabled payments to merchant by
 Private Cloud implementation: Bank has implemented customers. This App is now available in Android platform.
private cloud at Banks Data Centre. The merchant can select the bank, enter customer’s
 Call Centre Outsourcing: Bank has outsourced Call Centre Aadhaar number (or Scan Aadhaar QR code) and the
operation to M/s Tata Business Support Services Ltd. amount in the App and thereafter ask the customer to
 A unique registration number will be generated to each place the finger on biometric device and the transaction
will be authorized.
Form15G/H application submitted by the customer. Data
3
 †Ôã.†½ã.†Ôã. ´ãÀã ‚ãã£ããÀ-Ôããèãä¡âØã Öñ¦ãì ‚ã¶ãìÀãñ£ã ÔÌããè‡ãŠãÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ãäÌã§ã ÌãÓãà 2016-17 ½ãò ãä¶ã½¶ã ¹ãìÀÔ‡ãŠãÀ ¹ãÆ㹦ã ãä‡ãŠ† Öö :
†‡ãŠ †¹¹ã ºã¶ãã¾ãã Øã¾ãã Öõ ý ¹ãÆ㹦㠆Ôã.†½ã.†Ôã. ‡ãŠãñ ÌãõãäÊã¡ñ› ‡ãŠÀ‡ãñŠ,  •ãìÊããƒÃ, 2016 ½ãò ‚ããƒÃ¡ãè‚ããÀºããè›ãè Ôãñ ªãñ ¹ãÆãä¦ããäÓŸ¦ã ¹ãìÀÔ‡ãŠãÀ :-
Œãã¦ãñ Ôãñ ‚ãã£ããÀ-Ôããèãä¡âØã Öñ¦ãì †â›Èãè-Ô›ñ›Ôã ½ãò ‚ãã£ããÀ Ôããèãä¡âØã ›ñºãìÊã
1. ãä½ã¡-Ôãフ㠺ãö‡ãŠãò ½ãò ‚ããƒÃ›ãè ƒ‡ãŠãñ ãäÔãÔ›½ã ¹ãƺãâ£ã¶ã Öñ¦ãì ºãñÔ› ºãö‡ãŠ ý
½ãò †‡ãŠ †â›Èãè ‡ãŠãè •ãã†Øããè ¦ã©ãã ØãÆãև㊠‡ãŠãñ ‚ã¶ãìÀãñ£ã ‡ãŠã Ô›ñ›Ôã ºã¦ãã¦ãñ
Öì† †‡ãŠ ¹ãìãäÓ›‡ãŠÀ¥ã †Ôã.†½ã.†Ôã. ¼ãñ•ãã •ãã†Øãã ý 2. ãä½ã¡-Ôãフ㠺ãö‡ãŠãò ½ãò ãä¡ãä•ã›Êã ºãöãä‡ãâŠØã Öñ¦ãì ºãñÔ› ºãö‡ãŠ ý
ãäÌã§ããè¾ã Ôã½ããÌãñÍã¶ã :  ½ã£¾ã½ã ‚ãã‡ãŠãÀ ÌãØãà ½ãò Â-¹ãñ ‡ãŠã¡Ã ‡ãñŠ ‚㶦ãØãæ㠺ãñÖ¦ãÀãè¶ã ‡ãŠã¾ãÃ-
ãä¶ãÓ¹ã㪶ã Öñ¦ãì †¶ã¹ããèÔããè‚ããƒÃ ´ãÀã ÀãÓ›Èãè¾ã ¼ãìØã¦ãã¶ã †‡ã‹ÔããèÊãòÔã †Ìãã¡Ã
 ºãö‡ãŠ ¶ãñ ¹ããè.†½ã.•ãñ.¡ãè.ÌããƒÃ. ‡ãŠã Ôã¹ãŠÊã¦ãã¹ãîÌãÇ㊠‡ãŠã¾ããöÌã¾ã¶ã ãä‡ãŠ¾ãã
2016 (ãä´¦ããè¾ã) ý
Öõ ¦ã©ãã ã䪶ããâ‡ãŠ 31.03.2017 ¦ã‡ãŠ 24.23 ÊããŒã Œãã¦ãñ ŒããñÊãñ Øã†
•ãºããä‡ãŠ Øã¦ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã 21.78 ÊããŒã Œãã¦ãñ ŒããñÊãñ Øㆠ©ãñ ý  ½ã£¾ã½ã ‚ãã‡ãŠãÀ ºãö‡ãŠãò ½ãò ‚ããƒÃºããè† Ôãñ ºãöãä‡ãâŠØã ›õ‡ã‹¶ããñÊããù•ããè †Ìãã¡Ã -
 Øã¦ã ÌãÓãà 977.51 ‡ãŠÀãñü¡  ‡ãŠãè ¦ãìÊã¶ãã ½ãò 1346.57 ‚ããõÔã¦ã ÍãñÓã 1. ºãñÔ› ãäÌã§ããè¾ã Ôã½ããÌãñÍã¶ã ¹ãÖÊã - ãäÌã•ãñ¦ãã ý
ÔããäÖ¦ã, ÌãÓãà 2015-16 ‡ãñŠ ªãõÀã¶ã 212.91 ‡ãŠÀãñü¡  ‡ãñŠ ãäÌã® 2. ºãñÔ› ‚ããƒÃ.›ãè. •ããñãäŒã½ã ¦ã©ãã ÔãヺãÀ ÔãìÀàãã ¹ãÖÊã Ñãñ¥ããè - „¹ã-ãäÌã•ãñ¦ãã ý
326.33 ‡ãŠÀãñü¡  ‡ãŠãè ‡ãìŠÊã •ã½ãã ‡ãŠã ÔãâØãÆÖ¥ã ãä‡ãŠ¾ãã Øã¾ãã ý ‚ãã¹ã‡ãŠã ºãö‡ãŠ ¦ã‡ãŠ¶ããè‡ãŠ ‡ãñŠ ÔãÖ¾ããñØã ¦ã©ãã Ôã½ããä¹ãæ㠽ãã¶ãÌã ÔãâÔãã£ã¶ã ´ãÀã
 ‚ãã¹ã‡ãŠã ºãö‡ãŠ ¹ããè.†½ã.•ãñ.¡ãè.ÌããƒÃ Œãã¦ããò ½ãò †.›ãè.†½ã. ¦ã©ãã ½ãドãŠãñ ØãÆãÖ‡ãŠãò ‡ãŠãñ ÔãÌããó§ã½ã ÔãñÌãã†â ªñ¶ãñ Öñ¦ãì ¹ãÆãä¦ãºã® Öõ ¦ã©ãã Íãñ¾ãÀ-£ããÀ‡ãŠãò ‡ãñŠ
†.›ãè.†½ã. ´ãÀã ‚ããñ.¡ãè. ÔãìãäÌã£ãã ¹ãÆãÀ½¼ã ‡ãŠÀ¶ãñ ½ãò ¹ãÆ©ã½ã Öõ ý ½ãîʾ㠇ãŠãñ ‚ããä£ã‡ãŠ¦ã½ã ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãÆãä¦ã ¹ãî¥ãà ¹ãƾããÔã ‡ãŠÀñØããý
 †.¹ããè.ÌããƒÃ. - ºãö‡ãŠ ¶ãñ ãäÌã§ã ÌãÓãà 2016-17 ½ãò 1.39 ÊããŒã Œãã¦ãñ ŒããñÊãñ ý ÖããäªÃ‡ãŠ Íãì¼ã‡ãŠã½ã¶ãã‚ããò ÔããäÖ¦ã,
ºãö‡ãŠ ‡ãŠãñ ¹ãã膹㊂ããÀ¡ãè† ´ãÀã ÌãÓãà 2016-17 ‡ãñŠ ªãõÀã¶ã ¹ããè†Ôãºããè ½ãò ‚ãã¹ã‡ãŠã,
‘"ºãñÔ› ¹ãÀ¹ãŠããä½ãÄØã ºãö‡ãŠ"’ Þãì¶ãã Øã¾ãã ý
 ¹ããè.†½ã.†Ôã.ºããè.ÌããƒÃ. - ¹ããè.†½ã.†Ôã.ºããè.ÌããƒÃ. ‡ãñŠ ‚㶦ãØãæã 67.50
(ÔãìÀñÍã †¶ã. ¹ã›ñÊã)
ÊããŒã Œãã¦ãñ ŒããñÊãñ Øㆠý
¹ãƺ㶣ã ãä¶ãªñÍã‡ãŠ †Ìãâ ÔããèƒÃ‚ããñ
 ¹ããè.†½ã.•ãñ.•ãñ.ºããè.ÌããƒÃ. - ¹ããè.†½ã.•ãñ.•ãñ.ºããè.ÌããƒÃ. ‡ãñŠ ‚㶦ãØãæã 7.12
ÊããŒã Œãã¦ãñ ŒããñÊãñ Øㆠ¦ã©ãã 2816 ªãÌããò ‡ãŠã ãä¶ã¹ã›ã¶ã ãä‡ãŠ¾ãã Øã¾ãã ý
Ô©ãã¶ã : ÖõªÀãºããª
 ºãö‡ãŠ ¶ãñ Ôã¼ããè ‚ããºãâã䛦㠄¹ã-ÔãñÌãã àãñ¨ããò ‡ãŠãñ ‡ãŠÌãÀ ‡ãŠÀ¦ãñ Öì† 1777
ºãö‡ãŠ ãä½ã¨ã ãä¶ã¾ãì§ãŠ ãä‡ãŠ† ý ã䪶ããâ‡ãŠ : 20.05.2017
4
ANNUAL REPORT 2016-17
 An App has been developed to accept the request for Your Bank has received the following awards in the FY
Aadhaar Seeding through SMS mode. After validating 2016-17:
the SMS received an entry will be made in AADHAAR  Two prestigious awards from IDRBT in July 2016:-
seeding table in entry status for seeding of the Aadhaar
1. Best Bank for Managing IT Eco System among mid-size
to the account and a confirmation SMS will be sent to the
banks and
customer with status of the request.
2. Best Bank for Digital Banking among mid-size banks.
Financial Inclusion :
 National Payment Excellence Award 2016 (Runner up)
 Bank has successfully implemented PMJDY and as on
by NPCI' for excellent performance under Rupay Card in
31.03.2017, 24.23 lakh accounts have been opened as
midsize category
against 21.78 lakhs during previous year.
 Banking Technology Awards from IBA under midsize bank
 Total deposits of Rs. 326.33 Crore have been mobilized
in
vis-à-vis `212.91 crores during 2015-’16 with an average
balance of `1346.57 as against `977.51 the previous year. 1. Best Financial inclusion initiatives -Winner and
 Your Bank is the pioneer in introducing OD facility through 2. Best IT Risk and Cyber Security Initiatives category –
Runner UP
ATMs and Micro ATMs in PMJDY Accounts.
Your Bank is committed towards delivering best services to
 APY - Bank has enrolled about 1.39 Lakh accounts under
customers by leveraging on technology and dedicated human
APY in FY 2016-17. Bank was adjudged by PFRDA as
resources, and would tirelessly work towards maximizing’
the best performing bank among PSBs during the FY
shareholders’ value.
2016 – ’17.
With warm wishes,
 PMSBY – 67.50 lakh accounts have been enrolled under
PMSBY. Yours sincerely,
 PMJJBY- 7.12 lakh accounts have been enrolled under
PMJBY and settled 2816 claims. (Suresh N Patel)
 Bank has appointed 1777 Bank Mitras covering all Managing Director & CEO
allotted Sub Service Areas.
Place : Hyderabad
Date : 20.05.2017
5
(ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅ¸ „œ¸ÇÅŸ¸)
(A Govt. of India Undertaking)
ÔãîÞã¶ãã
†¦ãª´ãÀã ¾ãÖ ÔãîÞã¶ãã ªãè •ãã¦ããè Öõ ãä‡ãŠ ‚ã㶣ãÆã ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè 17Ìããé ÌãããäÓãÇ㊠Ôãã£ããÀ¥ã ºãõŸ‡ãŠ 21 •ãìÊããƒÃ 2017 ‡ãŠãñ ¹ãÆã¦ã:10:00
ºã•ãñ '¹ã›á›ããä¼ã ¼ããÌã¶ããÊã¾ã', ‚ã㶣ãÆã ºãö‡ãŠ, ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã, 5-9-11, ¡ãù ¹ã›á›ããä¼ã ¼ãÌã¶ã, Ôãõ¹ãŠãºããª, ÖõªÀãºããª-500004 ½ãò ãä¶ã½¶ã „ª ñ;ã Öñ¦ãì
‚ãã¾ããñãä•ã¦ã ‡ãŠãè •ãã†Øããè ý
• 31 ½ããÞãà 2017 ¦ã‡ãŠ ÊãñŒãã ¹ãÀãèãäàã¦ã ¦ãìÊã¶ã ¹ã¨ã ¦ã©ãã „Ôã ãä¦ããä©ã ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà Öñ¦ãì Êãã¼ã †Ìãâ Öããä¶ã Œãã¦ãã, ÊãñŒãã-‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãñŠ ‡ãŠã¾ãà ¦ã©ãã Øããä¦ããäÌããä£ã¾ããò
¹ãÀ ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ‡ãŠãè ãäÀ¹ããñ›Ã ¦ã©ãã ¦ãìÊã¶ã ¹ã¨ã ¦ã©ãã Œãã¦ããò ¹ãÀ ÊãñŒãã ¹ãÀãèàã‡ãŠ ‡ãŠãè ãäÀ¹ããñ›Ã ¹ãÆ㹦㠇ãŠÀ¶ãñ, „Ôã ¹ãÀ ãäÌãÞããÀ ‡ãŠÀ¶ãñ ¦ã©ãã „Ôãñ ‚ã¹ã¶ãã¶ãñ Öñ¦ãì ý

ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã Öñ¦ãì ‚ããõÀ ‡ãŠãè ‚ããñÀ Ôãñ
Ô©ãã¶ã : ÖõªÀãºã㪠(ÌããƒÃ ‚ã½ãÀ¶ãã©ã)
ã䪶ããâ‡ãŠ : 16/05/2017 ‡ã⊹ã¶ããè ÔããäÞãÌã
ã䛹¹ããä¥ã¾ããâ:
1. ½ã¦ãªã¶ã ‚ããä£ã‡ãŠãÀ 2. ¹ãÆãù‡ã‹Ôããè ‡ãŠãè ãä¶ã¾ãìãä§ãŠ :
Íãñ¾ãÀ£ããÀ‡ãŠ ãä•ãÔãñ ºãõŸ‡ãŠ ½ãò ¼ããØã Êãñ‡ãŠÀ Ìããñ› ‡ãŠÀ¶ãñ ‡ãŠã և㊪ãÀ Öõ, ‡ãŠãñ
ºãö‡ãŠ‡ãŠãÀãè ‡ã⊹ã¶ããè („¹ã‰ãŠ½ããò ‡ãŠãè ‚ã•ãö㠂ããõÀ ‚ãâ¦ãÀ¥ã) ‚ããä£ããä¶ã¾ã½ã, 1980
‚ã¹ã¶ãñ Ô©ãã¶ã ¹ãÀ Ôãã£ããÀ¥ã ºãõŸ‡ãŠ ½ãò ¼ããØã Êãñ¶ãñ ‚ããõÀ ½ã¦ãªã¶ã ½ãò ¼ããØã Êãñ¶ãñ
‡ãŠãè £ããÀã 3 ‡ãŠãè „¹ã £ããÀã (2ƒÃ) ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ ¶ã† ¹ãÆãä¦ããä¶ããä£ã
Öñ¦ãì ¹ãÆãù‡ã‹Ôããè ‡ãŠãñ ãä¶ã¾ãì§ãŠ ‡ãŠÀ¶ãñ ‡ãŠã ‚ããä£ã‡ãŠãÀ Öõ ‚ããõÀ †ñÔãã ¹ãÆãù‡ã‹Ôããè ºãö‡ãŠ ‡ãŠã
ºãö‡ãŠ ‡ãŠã ‡ãŠãñƒÃ ¼ããè Íãñ¾ãÀ£ããÀ‡ãŠ, ‡ãòŠ³ ÔãÀ‡ãŠãÀ ‡ãñŠ ‚ããä¦ããäÀ§ãŠ, ‚ã¹ã¶ãñ ´ãÀã
Íãñ¾ãÀ£ããÀ‡ãŠ Öãñ¶ãñ ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã ¶ãÖãé Öõý
£ãããäÀ¦ã Íãñ¾ãÀãò ‡ãñŠ Ôãâºãâ£ã ½ãò ºãö‡ãŠ ‡ãñŠ ‡ãìŠÊã Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ ‡ãìŠÊã ½ã¦ãªã¶ã
¹ãƼããÌããè Öãñ¶ãñ Öñ¦ãì, ¹ãÆãù‡ã‹Ôããè ¹ãŠã½ãà ºãõŸ‡ãŠ ‡ãŠãè ãä¦ããä©ã Ôãñ ‡ãŠ½ã Ôãñ ‡ãŠ½ã ÞããÀ ã䪶ã
‚ããä£ã‡ãŠãÀãò ‡ãñŠ ªÔã ¹ãÆãä¦ãÍã¦ã ‡ãñŠ ‚ããä¦ããäÀ§ãŠ ½ã¦ãªã¶ã ‚ããä£ã‡ãŠãÀãò ‡ãŠã ¹ãƾããñØã
¹ãÖÊãñ ¾ãã¶ãñ ãä‡ãŠ Íããä¶ãÌããÀ, 15 •ãìÊããƒÃ 2017 ‡ãŠãñ Ôãã¾ãâ 5.00 ºã•ãñ ¦ã‡ãŠ
‡ãŠÀ¶ãñ Öñ¦ãì ¹ãã¨ã ¶ãÖãé ÖãòØãñý
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ãäÌããä¶ããäªÃÓ› ãä¦ããä©ã ¾ã©ãã Íãì‰ãŠÌããÀ •ãìÊããƒÃ 14,2017 ¦ã‡ãŠ ½ãã¶ãñ •ãã†âØãñ ý 3. ¹ãÆããä£ã‡ãðŠ¦ã ¹ãÆãä¦ããä¶ããä£ã ‡ãŠãè ãä¶ã¾ãìãä§ãŠ :
„¹ã¾ãìç㊠‡ãŠãè Íã¦ãà ¹ãÀ, ‚ã㶣ãÆã ºãö‡ãŠ (Íãñ¾ãÀ ‚ããõÀ ºãõŸ‡ãŠ) ãäÌããä¶ã¾ã½ã¶ã 2003 ºãõŸ‡ãŠ ½ãò ¼ããØã Êãñ¶ãñ ‚ã©ãÌãã Ìããñ› ªñ¶ãñ Öñ¦ãì ‡ã⊹ã¶ããè ‡ãñŠ ãäÌããä£ãÌã¦ãá ‚ããä£ã‡ãðŠ¦ã
‡ãñŠ ãäÌããä¶ã¾ã½ã 68 ‡ãñŠ ‚ã¶ãìÔããÀ, ãäÌããä¶ããäªÃÓ›, ãä¦ããä©ã, ¾ãã¶ããè Íãì‰ãŠÌããÀ, •ãìÊããƒÃ ¹ãÆãä¦ããä¶ããä£ã ‡ãñŠ ¹㠽ãò ‡ãŠãñƒÃ ̾ããä§ãŠ ¹ãã¨ã ¶ãÖãé ÖãñØãã •ãºã ¦ã‡ãŠ ãä‡ãŠ ºãõŸ‡ãŠ ‡ãñŠ
14, 2017 ¦ã‡ãŠ Íãñ¾ãÀ£ããÀ‡ãŠ ‡ãñŠ ¹㠽ãò ¹ãâ•ããè‡ãðŠ¦ã ¹ãƦ¾ãñ‡ãŠ Íãñ¾ãÀ£ããÀ‡ãŠ ‚㣾ãàã ´ãÀã ¹ãƽãããä¥ã¦ã Ô㦾ã¹ãÆãä¦ã, ãäÌããä£ãÌã¦ã ¹ãÆããä£ã‡ãðŠ¦ã ¹ãÆãä¦ããä¶ããä£ã ‡ãñŠ ¹㠽ãò
ãä¶ã¾ãìãä§ãŠ ÌããÊãñ Ôãâ‡ãŠÊ¹ã ‡ãŠãè †‡ãŠ ¹ãÆãä¦ã, ºãõŸ‡ãŠ ‡ãŠãè ãä¦ããä©ã Ôãñ ¶¾ãî¶ã¦ã½ã 4 ã䪶ã
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¹ãîÌãà ¾ãã¶ãñ ãä‡ãŠ Íããä¶ãÌããÀ, 15 •ãìÊããƒÃ 2017 ‡ãŠãñ Ôãã¾ãâ 5:00 ºã•ãñ ¦ã‡ãŠ ¾ãã
£ãããäÀ¦ã ¹ãƦ¾ãñ‡ãŠ Íãñ¾ãÀ Öñ¦ãì †‡ãŠ Ìããñ› ¹ãÆ㹦ã ÖãñØããý
„ÔãÔãñ ¹ãÖÊãñ ÖõªÀãºã㪠½ãò ºãö‡ãŠ ‡ãñŠ ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã ½ãò •ã½ãã ‡ãŠÀã ªãè •ãã†ý
Ôãâ¾ãì§ãŠ £ããÀ‡ãŠãò ‡ãñŠ ‚ããä£ã‡ãŠãÀãò ‡ãŠã ¹ãƾããñØã :
4. „¹ããäÔ©ããä¦ã ÔãÖ ¹ãÆÌãñÍã Öñ¦ãì ¹ããÔã :
„¹ã¾ãìç㊠ãäÌããä¶ã¾ã½ããò ‡ãñŠ ãäÌããä¶ã¾ã½ã 10 ‡ãñŠ ‚ã¶ãìÔããÀ, ¾ããäª ‡ãŠãñƒÃ Íãñ¾ãÀ ªãñ
ÔãªÔ¾ããò ‡ãŠãè ÔãìãäÌã£ãã Öñ¦ãì, „¹ããäÔ©ããä¦ã-¹ãÞããê ƒÔã ãäÀ¹ããñ›Ã ‡ãñŠ Ôãã©ã ÔãâÊãضã
¾ãã ‚ããä£ã‡ãŠ ̾ããä§ãŠ¾ããò ‡ãñŠ ¶ãã½ã ¹ãÀ Öõ, ¦ããñ Àãä•ãÔ›À ½ãò ¹ãÖÊãñ ª•ãà ̾ããä§ãŠ
Öõý ÔãªÔ¾ããò Ôãñ ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ Ìãñ ¹ãŠã½ãà ¼ãÀ‡ãŠÀ ã䪆 Øㆠԩãã¶ã ¹ãÀ ‚ã¹ã¶ãñ
‡ãŠãñ, ½ã¦ãªã¶ã Öñ¦ãì, ƒÔã‡ãŠã †‡ãŠÊã £ããÀ‡ãŠ ½ãã¶ãã •ãã†Øããý ‚ã¦ã:, ¾ããäª Íãñ¾ãÀ
ÖÔ¦ããàãÀ ‡ãŠÀ‡ãñŠ „¹ããäÔ©ããä¦ã ¹ãÞããê-ÔãÖ-¹ãÆÌãñÍã ¹ããÔã Öñ¦ãì ºãõŸ‡ãŠ ‡ãñŠ Ô©ãã¶ã ‡ãñŠ Øãñ› ¹ãÀ ªò ý
Ôãâ¾ãì§ãŠ £ããÀ‡ãŠãò ‡ãñŠ ¶ãã½ã ¹ãÀ Öõ, ¦ããñ ¹ãÆ©ã½ã ¶ãããä½ã¦ã ̾ããä§ãŠ Öãè ºãõŸ‡ãŠ ½ãò Íãñ¾ãÀ£ããÀ‡ãŠ ‡ãñŠ ¹ãÆãù‡ã‹Ôããè/ ¹ãÆãä¦ããä¶ããä£ã ‡ãŠãñ ¹ãÆãù‡ã‹Ôããè ‚ã©ãÌãã ¹ãÆãä¦ããä¶ããä£ã ‡ãñŠ ¹ã
¼ããØã Êãñ¶ãñ ‚ããõÀ Ôãâ‡ãŠÊ¹ããò ¹ãÀ ½ã¦ãªã¶ã ªñ¶ãñ Öñ¦ãì ¹ãã¨ã Ööý ½ãò, •ãõÔãã ¼ããè ½ãã½ãÊãã Öãñ, „¹ããäÔ©ããä¦ã ¹ãÞããê ¹ãÀ ªÍããöãã ÞãããäÖ†ý
6
ANNUAL REPORT 2016-17
(ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅ¸ „œ¸ÇÅŸ¸)
(A Govt. of India Undertaking)
NOTICE
Notice is hereby given that the Seventeenth Annual General Meeting of shareholders of Andhra Bank will be held on Friday,
July 21, 2017 at 10.00 A.M . at ‘Pattabhi Bhavanalaya’, Andhra Bank Head Office, 5-9-11, Saifabad, Hyderabad- 500004,
to transact the following business:
….To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March, 2017, Profit & Loss Account for
the year ended on that date, the Report of the Board of Directors on the working and activities of the Bank for the period
covered by the Accounts and the Auditors’ Report on the Balance Sheet and Accounts.
For and on behalf of the Board of Directors
Place: Hyderabad (Y. Amarnath)
Date: 16/05/2017 Company Secretary
Notes: 2. Appointment of proxy
1. Voting Rights A shareholder entitled to attend and vote at the meeting is
entitled to appoint a proxy to attend and to participate in
In terms of the provisions of sub-section (2E) of Section
the voting at the venue of the General Meeting instead of
3 of the Banking Companies (Acquisition and Transfer of
himself/herself and such a proxy need not be a shareholder
Undertakings) Act, 1980, no shareholder of the corresponding
of the Bank.
new Bank, other than the Central Government, shall be
entitled to exercise voting rights in respect of any shares In order to be effective, the proxy form must be deposited at
held by him/her in excess of ten per cent of the total voting the Head Office of the Bank atleast four days before the date
rights of all the shareholders of the Bank. of the meeting i.e., upto 05.00 p.m. on or before Saturday,
July 15, 2017. No employee of the Bank shall be appointed
Pursuant to Rule 20 of the Companies (Management and
as a duly authorized representative or as a proxy.
Administration) Rules, 2014 as amended, Voting Rights of
the Shareholders shall be reckoned as on the Specified 3. Appointment of an Authorised Representative :
Date i.e., Friday, July 14, 2017.
No person shall be entitled to attend or vote at the meeting
Subject to the above, as per Regulation 68 of Andhra Bank as a duly authorized representative of a Company, unless a
(Shares and Meetings) Regulations, 2003, each shareholder copy of the resolution appointing him/her as a duly authorized
who has been registered as a shareholder on the Specified representative, certified to be a true copy by the Chairman of
Date, i.e., Friday, July 14, 2017 shall have one vote for each the meeting at which it was passed shall have been deposited
share held by him/her in remote e-voting /voting through poll. at the Head Office of the Bank at Hyderabad not less than
four days before the date of the meeting i.e., upto 05.00 p.m.
Exercise of rights of joint holders:
on or before Saturday, July 15, 2017.
As per Regulation 10 of the above Regulations, if any share
4. Attendance slip-cum-entry pass:
stands in the names of two or more persons, the person first
named in the register shall, as regards voting, be deemed to For the convenience of the members, attendance slip is
be the sole holder thereof. Thus, if shares are in the name of enclosed to this report. Members are requested to fill in
joint holders, then first named person is only entitled to attend and affix their signatures in the space provided therein and
the meeting and is only eligible to vote on the Resolutions. handover the attendance slip-cum-Entry pass at the entrance
7
5. ºãÖãè ÔãâÌãÀ¥ã : 11. Íãñ¾ãÀ£ããÀ‡ãŠãò Ôãñ ‚ã¶ãìÀãñ£ã:
ÌãããäÓãÇ㊠Ôãã£ããÀ¥ã ºãõŸ‡ãŠ ‡ãñŠ Ôãâºãâ£ã ½ãò Íãñ¾ãÀ£ããÀ‡ãŠ Àãä•ãÔ›À ¦ã©ãã Íãñ¾ãÀ ‡ãŠ) ‡ãðŠ¹ã¾ãã ¶ããñ› ‡ãŠÀò ãä‡ãŠ ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã 2016-17 ‡ãŠãè ¹ãÆãä¦ã¾ããâ ¼ããõãä¦ã‡ãŠ
¹㠽ãò „¶ã Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãñ ¼ãñ•ããè •ãã Þãì‡ãŠãè Öö, ãä•ã¶ã‡ãŠã ƒÃ-½ãñÊã ‚ããƒÃ¡ãè ºãö‡ãŠ/
‚ãâ¦ãÀ¥ã ºãÖãè Íããä¶ãÌããÀ, 15 •ãìÊããƒÃ 2017 Ôãñ Íãì‰ãŠÌããÀ 21 •ãìÊããƒÃ
‚ããÀ›ãè† ½ãò ¹ãâ•ããè‡ãðŠ¦ã ¶ãÖãé Öõ ¦ã©ãã ƒÃ-½ãñÊã Ôãñ Ôããù¹ã‹› ¹ãÆãä¦ã „¶ã Íãñ¾ãÀ£ããÀ‡ãŠãò
2017 (ªãñ¶ããò ã䪶ã Íãããä½ãÊã) ¦ã‡ãŠ ºã⪠ÀÖòØããèý
‡ãŠãñ ¼ãñ•ããè Øã¾ããè Öõ ãä•ã¶ã‡ãŠã ƒÃ-½ãñÊã ‚ããƒÃ¡ãè ºãö‡ãŠ/‚ããÀ›ãè† ½ãò ¹ãâ•ããè‡ãðŠ¦ã Öõ ý
6. ºãö‡ãŠ ‡ãñŠ ãä¶ãªñÍã‡ãŠ ½ã¥¡Êã ¶ãñ ãäÌã§ã ÌãÓãà 2016-17 Öñ¦ãì ãä‡ãŠÔããè Êãã¼ããâÍã
Œã) ‡ãðŠ¹ã¾ãã ¶ããñ› ‡ãŠÀò ãä‡ãŠ ãä‡ãŠ¹ãŠã¾ã¦ããè „¹ãã¾ããò ‡ãñŠ ‡ãŠãÀ¥ã ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãŠãè
‡ãŠãè ãäÔã¹ãŠããäÀÍã ¶ãÖãé ‡ãŠãè Öõ ý
¹ãÆãä¦ã¾ããâ ÌãããäÓãÇ㊠Ôãã£ããÀ¥ã ºãõŸ‡ãŠ ½ãò ¶ãÖãé ºããú›ãè •ãã†âØããèý ‚ã¦ã: Íãñ¾ãÀ£ããÀ‡ãŠãò Ôãñ
7. Íãñ¾ãÀ £ããÀ‡ãŠãò ‡ãŠã ¹ã¦ãã, ºãö‡ãŠ ãäÌãÌãÀ¥ã ‚ãããäª ½ãò ¹ããäÀÌã¦ãö㠂ã²ã¦ã¶ã ‡ãŠÀ¶ãã ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãŠãè ‚ã¹ã¶ããè ¹ãÆãä¦ã ºãõŸ‡ãŠ ‡ãñŠ Ô©ãã¶ã ¹ãÀ Ôãã©ã Êãã†â ý
¼ããõãä¦ã‡ãŠ ¹㠽ãò Íãñ¾ãÀ ÀŒã¶ãñ ÌããÊãñ Íãñ¾ãÀ£ããÀ‡ãŠãò Ôãñ ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ ºãö‡ãŠ ¾ãã Øã) ƒÊãñ‡ã‹›Èãùãä¶ã‡ãŠ ¹ãÆã¹㠽ãò Íãñ¾ãÀ £ããÀ¥ã ‡ãŠÀ¶ãñ ÌããÊãñ Íãñ¾ãÀ£ããÀ‡ãŠ
‚ã¹ã¶ãñ Àãä•ãÔ›ÈãÀ ‡ãŠãñ ‚ã¹ã¶ãñ ¹ã¦ãñ, ºãö‡ãŠ Œãã¦ãã ãäÌãÌãÀ¥ã ½ãò ¹ããäÀÌã¦ãöã, ¾ããäª Öãñ, ´ãÀã ‚ã¹ã¶ãñ ¹ã¦ãñ ½ãò ¹ããäÀÌã¦ãö㠇ãŠãè ÔãîÞã¶ãã ‚ã¹ã¶ãñ Ô㽺ãã䶣ã¦ã ãä¶ãàããñ¹ããØããÀ
¹ãÆãä¦ã¼ããØããè(ã䡹ããñãä•ã›Àãè ¹ãã›ãêãäÔã¹ãñ¶›) ‡ãŠãñ Öãè ¹ãÆñãäÓã¦ã ‡ãŠÀ¶ããè Öõ ¶ã ãä‡ãŠ ºãö‡ãŠ
‡ãŠãè ÔãîÞã¶ãã ªò ¦ãããä‡ãŠ ¦ãìÀâ¦ã ¹ã¨ããÞããÀ ½ãò ÔãìãäÌã£ãã Öãñ Ôã‡ãñŠý ƒÊãñ‡ã‹›Èããä¶ã‡ãŠ ¹ã
¾ãã ºãö‡ãŠ ‡ãñŠ ¹ãâ•ããè¾ã‡ãŠ ¦ã©ãã Íãñ¾ãÀ ‚㶦ãÀ¥ã †•ãñ¶› ‡ãŠãñý
½ãò Íãñ¾ãÀ ÀŒã¶ãñ ÌããÊãñ Íãñ¾ãÀ£ããÀ‡ãŠãò Ôãñ ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ Ìãñ ‚ã¹ã¶ãñ ãä¶ãàãñ¹ããØããÀ
Üã) Íãñ¾ãÀ£ããÀ‡ãŠ ‡ãðŠ¹ã¾ãã ¶ããñ› ‡ãŠÀò ãä‡ãŠ ºãõŸ‡ãŠ ‡ãñŠ Ô©ãã¶ã ¹ãÀ ‡ãŠãñƒÃ ¦ããñÖ¹ãñŠ / ‡ãã¶ã
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ãäÌã¦ããäÀ¦ã ¶ãÖãé ãä‡ãŠ† •ãã†âØãñý
Öãñ, ‚ã²ã¦ã¶ã ‡ãŠÀÌãã†âý
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¼ããõãä¦ã‡ãŠ ¹㠽ãò Íãñ¾ãÀ ÀŒã¶ãñ ÌããÊãñ Íãñ¾ãÀ£ããÀ‡ãŠãò Ôãñ ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ
‚ãããäª Êãã¶ãñ Ôãñ ºãÞãò Þãîâãä‡ãŠ ƒ¶ã Ôã¼ããè ½ãªãò ‡ãŠãè ÔãìÀàãã •ããúÞã ‡ãŠãè •ãã Ôã‡ãŠ¦ããè Öõ
Íãñ¾ãÀ£ããÀ‡ãŠ ãäÌãÌãÀ¥ã ‚ã²ã¦ã¶ã ‡ãŠÀ¶ãñ Öñ¦ãì ºãö‡ãŠ ¾ãã ‚ã¹ã¶ãñ Àãä•ãÔ›ÈãÀ ‡ãŠãñ ¹ãõ¶ã ‚ããõÀ ºãõŸ‡ãŠ Ô©ãã¶ã ½ãò ƒ¶Öò Êãㆠ•ãã¶ãñ ‡ãŠãè ‚ã¶ãì½ããä¦ã ¶ãÖãé ªãè •ãã†Øããèý
ãäÌãÌãÀ¥ã, ƒÃ½ãñÊã ‚ããƒÃ¡ãè, ½ããñºããƒÊã ¶ãâºãÀ ‚ãããäª ÔãîãäÞã¦ã ‡ãŠÀòý ƒÊãñ‡ã‹›Èããä¶ã‡ãŠ 12. ÖãäÀ¦ã ¹ãÖÊã:
¹㠽ãò Íãñ¾ãÀ ÀŒã¶ãñ ÌããÊãñ Íãñ¾ãÀ£ããÀ‡ãŠãò Ôãñ ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ ‚ã¹ã¶ãñ ãä¶ãàãñ¹ããØããÀ
ÖãäÀ¦ã ¹ãÖÊã ‡ãñŠ Ôã½ã©ãö㠽ãò, ºãö‡ãŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãñ, ãä•ã¶Öãò¶ãñ ‚ã¹ã¶ãñ ãä¶ãàãñ¹ããØããÀ
¹ãÆãä¦ã¼ããØããè ‡ãñŠ ¹ããÔã „§ãŠ ãäÌãÌãÀ¥ã ‚ã²ã¦ã¶ã ‡ãŠÀòý ÔãÖ¼ããØããè/ ºãö‡ãŠ Àãä•ãÔ›ÈãÀ †Ìãâ Íãñ¾ãÀ ‚ãâ¦ãÀ¥ã †•ãò› ‡ãñŠ ¹ããÔã ‚ã¹ã¶ãã ƒÃ-½ãñÊã
‚ããƒÃ¡ãè ¹ãâ•ããè‡ãðŠ¦ã ãä‡ãŠ¾ãã Öõ, ƒÃ-½ãñÊã ´ãÀã ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãŠãè Ôããù¹ã‹› ¹ãÆãä¦ã
8. ¹ãŠãñãäÊã¾ããñ ‡ãŠã Ôã½ãñ‡ãŠ¶ã:
¼ãñ•ããè Öõ ý ºãö‡ãŠ ¶ãñ ãä¶ã¥ãþã ãäÊã¾ãã Öõ ãä‡ãŠ ãä•ã¶ã Íãñ¾ãÀ£ããÀ‡ãŠãò ¶ãñ ‚ã¹ã¶ãã ƒÃ-½ãñÊã
ãä•ã¶ã Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ Íãñ¾ãÀ, †‡ãŠ Ôãñ ‚ããä£ã‡ãŠ Œãã¦ãñ ½ãò ãä½ãÊã¦ãñ-•ãìÊã¦ãñ ¶ãã½ããò
¹ã¦ãñ ¹ãâ•ããè‡ãðŠ¦ã ¶ãÖãé ãä‡ãŠ¾ãã Öõ, „¶Öò ¾ã©ãã ãä¶ã£ããÃãäÀ¦ã Ôã¼ããè ¹ãÆÊãñŒããò ‡ãŠãè ½ã쌾ã
‡ãñŠ ‰ãŠ½ã ½ãò Öö, „¶ãÔãñ ‚ã¶ãìÀãñ£ã Öõ ãä‡ãŠ Ìãñ †ñÔãñ Œãã¦ããò ‡ãñŠ Êãñ•ãÀ-¹ãŠãñãäÊã¾ããñ ‡ãŠãè
ºãã¦ãò ¾ãì§ãŠ Ôãâãäà㹦ã ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãŠãè Öã¡Ã ¹ãÆãä¦ã ¹ããäÀÞãããäÊã¦ã ‡ãŠãè •ãã†Øããè ý
ÔãîÞã¶ãã Àãä•ãÔ›ÈãÀ †Ìãâ ‚ãâ¦ãÀ¥ã †•ãò› ‡ãŠãñ ªò ¦ã©ãã Íãñ¾ãÀ ¹ãƽãã¥ã-¹ã¨ã ãä¼ã•ãÌãã†â
ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãŠã ¹ãî¥ãà ¹ã㟠ºãö‡ãŠ ‡ãŠãè ÌãõºãÔããƒÃ› www.andhrabank.in ¹ãÀ
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