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Ñããè ‚ããÀ. ‡ãŠãñ›ãèÔÌãÀ¶ã¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Ìã ½ã쌾㠇ãŠã¾ãùããÊã‡ãŠ ‚ããä£ã‡ãŠãÀãè (31.12.2014 Ôãñ)

Ñããè ‚ã¦ãìÊã ‚ãØãÆÌããÊã‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ (27.09.2013 Ôãñ)

Ñããè ¹ãÌã¶ã ‡ã슽ããÀ ºã•ãã•ã‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ (10.03.2015 Ôãñ)

¡ãù. ‚ããÊããñ‡ãŠ ¹ã㥡ñ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ ¶ãããä½ã¦ããè ãä¶ãªñÍã‡ãŠ (22.07.2011 Ôãñ)

Ñããè ãä¶ã½ãÃÊã Þã⪼ãã. ãäÀ. ºãö‡ãŠ ‡ãñŠ ¶ãããä½ã¦ããè ãä¶ãªñÍã‡ãŠ (13.03.2014 Ôãñ)

Ñããè ‚ããÀ. Ôãâ¹ã¦ã ‡ã슽ããÀ‡ãŠã½ãØããÀ ‡ãŠ½ãÃÞããÀãè ãä¶ãªñÍã‡ãŠ (24.01.2014 Ôãñ)

¡ãù. •ãñ. ¡ãè. Íã½ããÂããä£ã‡ãŠãÀãè ‡ãŠ½ãÃÞããÀãè ãä¶ãªñÍã‡ãŠ (02.05.2013 Ôãñ)

Ñããè ãäÞã¸ãõ¾¾ãã‚ãâÍã ‡ãŠããäÊã‡ãŠ ØãõÀ-‚ãããä£ã‡ãŠããäÀ‡ãŠ ãä¶ãªñÍã‡ãŠ (13.11.2013 Ôãñ)

Ñããè½ã¦ããè †Ôã Ôãì•ãã¦ãã‚ãâÍã ‡ãŠããäÊã‡ãŠ ØãõÀ-‚ãããä£ã‡ãŠããäÀ‡ãŠ ãä¶ãªñÍã‡ãŠ (05.12.2013 Ôãñ)

Ñããè †.ºããè. ¡ãè. ºããªìÍããÔã‚ãâÍã ‡ãŠããäÊã‡ãŠ ØãõÀ-‚ãããä£ã‡ãŠããäÀ‡ãŠ ãä¶ãªñÍã‡ãŠ (12.12.2013 Ôãñ)

Ñããè ãä¶ãÀâ•ã¶ã ‡ã슽ããÀ ‚ãØãÆÌããÊãÍãñ¾ãÀ£ããÀ‡ãŠ ãä¶ãªñÍã‡ãŠ (08.12.2014 Ôãñ)

Ñããè Ôãâ•ã¾ã ÁâØã›ãÍãñ¾ãÀ£ããÀ‡ãŠ ãä¶ãªñÍã‡ãŠ (08.12.2014 Ôãñ)

ƒã䥡¾ã¶ã ‚ããñÌãÀÔããèû•ã ºãö‡ãŠ‡ãòŠ³ãè¾ã ‡ãŠã¾ããÃÊã¾ã : 763, ‚㥥ãã ÔããÊãõ, Þãñ¸ãõ - 600 002

ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã 2015-16ãä¶ãªñÍã‡ãŠØã¥ã (31.03.2016 ‡ãŠãñ)

Indian Overseas BankCentral Office: 763, Anna Salai, Chennai-600 002

ANNUAL REPORT 2015-16

BOARD OF DIRECTORS (as on 31.03.2016)

Shri R KoteeswaranManaging Director & Chief Executive Officer(from 31.12.2014)

Shri Atul AgarwalExecutive Director (from 27.09.2013)

Shri Pawan Kumar BajajExecutive Director (from 10.03.2015)

Dr. Alok PandeGovt. Nominee Director (from 22.07.2011)

Shri Nirmal ChandRBI Nominee Director (from 13.03.2014)

Shri R Sampath KumarWorkmen Employee Director (from 24.01.2014)

Dr. J D SharmaOfficer Employee Director (from 02.05.2013)

Shri ChinnaiahPart-time Non-Official Director (from 13.11.2013)

Smt. S SujathaPart-time Non-Official Director (from 05.12.2013)

Shri A.B.D. BadushasPart-time Non-Official Director (from 12.12.2013)

Shri Niranjan Kumar AgarwalShareholder Director (from 08.12.2014)

Shri Sanjay RungtaShareholder Director (from 08.12.2014)

Ñããè½ã¦ããè Íãâ‡ãŠÀãè ¹ãÊããä¶ãÌãñÊㄹ㠽ãÖã ¹ãƺãâ£ã‡ãŠ Ìã ºããñ¡Ã ÔããäÞãÌã (01.10.2015Ôãñ)

Smt Sankari PalanivelDeputy General Manager & Board Secretary (from 01.10.2015)

ÊãñŒãã ¹ãÀãèàã‡ãŠ1. ½ãñÔãÔãà Ìã£ãýãã¶ã †â¡ ‡ãâŠ, Þãñ¸ãõ 2. ½ãñÔãÔãà ††Ôㆠ†â¡

†ÔããñãäÔ㆛áÔã †Êã†Êã¹ããè ãäªÊÊããè

3. ½ãñÔãÔãà † Ìããè ªñÌã¶ã †â¡ ‡ã⊠Þãñ¸ãõ

4. ½ãñÔãÔãà ÖãäÀ¼ããä‡ã‹¦ã †â¡ ‡ãâŠ. †Êã†Êã¹ããè, ½ãìâºãƒÃ

5. ½ãñÔãÔãà ¦ãÊãã›ãè †â¡ ¦ãÊãã›ãè,‚ãÖ½ãªãºããª

AUDITORS

1. M/s. Vardhaman & Co,

Chennai

2. M/s. ASA & Associates LLP Delhi

3. M/s. A V Deven & Co

Chennai

4. M/s Haribhakti & Co. LLP, Mumbai

5. M/s Talati & Talati, Ahmedabad

Àãä•ãÔ›ÈãÀ †Ìãâ Íãñ¾ãÀ ‚ãâ¦ãÀ¥ã †•ãò›

½ãñÔãÔãà ‡ãñŠãä½ã¾ããñ ‡ãŠãù¹ããóÀñ› ÔããäÌãÃÔãñû•ã ãäÊã(¾ãîãä¶ã› - ‚ãヂããñºããè) Ôãìºãƽããä¥ã¾ã¶ã ãäºããäÊ¡âØã,¹ããâÞãÌããè ½ãâãäû•ãÊã, ¶ãâ û1 ‡ã‹Êãºã Öã„Ôã Àãñ¡ Þãñ¸ãõ-600 002›ñãäÊã¹ãŠãñ¶ã: 044-2846030 (6 Êãヶã)044-28460395¹ãõŠ‡ã‹Ôã 044-28460129ƒÃ ½ãñÊã : cameo@cameoindia.com

Registrar & Share Transfer Agent

M/s Cameo Corporate Services Ltd

(Unit-IOB) Subramaninan Building

V Floor, No.1 Club House Road

Chennai-600 002

Tel: 044-28460390 (Six Lines)

044-28460395

Fax 044-28460129

E mail: cameo@cameoindia.com

2

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Ìã ½ãì.‡ãŠã.‚ããä£ã. ‡ãŠãè ¡ñԇ㊠Ôãñ 3

†‡ãŠ ¢ãÊã‡ãŠ ½ãò 9

Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãñ ÔãîÞã¶ãã 10

ãä¶ãªñÍã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã 26

¹ãƺãâ£ã¶ã ãäÌãÞããÀ-ãäÌã½ãÍãà ‚ããõÀ ãäÌãÍÊãñÓã¥ã 32

ÌãÓãà 2015-16 ‡ãñŠ ãäÊㆠ‡ãŠãù¹ããóÀñ› ØãÌã¶ãôÔã ¹ãÀ

ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ‡ãŠãè ãäÀ¹ããñ›Ã 59

‡ãŠãù¹ããóÀñ› ØãÌã¶ãôÔã ¹ãÀ ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãŠã ¹ãƽãã¥ã-¹ã¨ã 99

ÌãããäÓãÇ㊠ÊãñŒãñ 100

¶ã‡ãŠª ¹ãÆÌããÖ ãäÌãÌãÀ¥ã †Ìãâ ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãŠã ¹ãƽãã¥ã-¹ã¨ã 176

ÊãñŒãã ¹ãÀãèàã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã 243

¹ãÆãù‡ã‹Ôããè ¹ãŠãù½ãà 246

(¾ããäª ƒÔã ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãñŠ ãäÖ¶ªãè Á¹ããâ¦ãÀ¥ã ½ãò ‡ãŠãñƒÃ ãäÌãÔãâØããä¦ã ¹ããƒÃ •ãã¦ããè Öõ ¦ããñ ‚ãâØãÆñ•ããè Á¹ããâ¦ãÀ¥ã ÔãÖãè ½ãã¶ãã •ãã†Øãã)

ƒã䥡¾ã¶ã ‚ããñÌãÀÔããèû•ã ºãö‡ãŠ‡ãòŠ³ãè¾ã ‡ãŠã¾ããÃÊã¾ã : 763, ‚㥥ãã ÔããÊãõ, Þãñ¸ãõ - 600 002

ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã 2015-16ãäÌãÓ¾ãÌãÔ¦ãì

Indian Overseas BankCentral Office: 763, Anna Salai, Chennai-600 002

ANNUAL REPORT 2015-16

Contents

From the Managing Director & CEO’s Desk 3

At a Glance 9

Notice to the Shareholder 10

Directors’ Report 27

Management Discussion and Analysis 33

Report of the Board of Directors on

Corporate Governance for the year 2015-16 58

Auditors’ Certificate on Corporate Governance 99

Annual Accounts 101

Cash Flow Statement & Auditors’ Certificate 177

Auditors’ Report 244

Proxy Form 247

(Incase any discrepancy found in Hindi Version of this

Annual Report, English Version will prevail)

ÊãñŒãã ºãâªãè ‡ãŠãè ¦ããÀãèŒãò : 12.07.2016 (½ãâØãÊãÌããÀ) Ôãñ 18.07.2016 (Ôããñ½ãÌããÀ)

ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‡ãŠã ¹ãÆñÓã¥ã : 20.06.2016 (Ôããñ½ãÌããÀ) Ôãñ 23.06.2016 (ØãìÁÌããÀ)¹ãÆã‡ã‹Ôããè ¹ãŠã½ãà ¹ãÆ㹦㠇ãŠÀ¶ãñ ‡ãŠãè ‚ãâãä¦ã½ã ¦ããÀãèŒã : 13.07.2016 (ºãì£ãÌããÀ) Ôãã¾ãâ 5.00

ÌãããäÓãÇ㊠Ôãã½ã㶾㠺ãõŸ‡ãŠ ‡ãŠãè ¦ããÀãèŒã : 18.07.2016 (Ôããñ½ãÌããÀ) ÔãìºãÖ 10.00

Book Closure Dates : 12.07.2016 (Tuesday) to 18.07.2016 (Monday)Posting of Annual Report : 20.06.2016 (Monday) to 23.06.2016 (Thursday)

Last Date for receipt of Proxy Form : 13.07.2016 (Wednesday) 5.00 PM Date of AGM : 18.07.2016 (Monday) 10.00 AM

Page No.¹ãðÓ› Ôãâ.

ãäÌ㦦ããè¾ã ‡ãõŠÊãò¡À Financial Calendar

For the Financial Year 1st April, 2015 to 31st March, 2016ãäÌ㦦ããè¾ã ÌãÓãà 1 ‚ã¹ãÆñõÊã 2015 Ôãñ 31 ½ããÞãà 2016 ¦ã‡ãŠ

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Shri.R Koteeswaran

Managing Director & Chief Executive Officer

Dear Shareholders,

I am presenting your Bank’s Annual Report and financial statements for the year 2015-16. I would like to share with you the performance highlights and financial indicators of the Bank during the year.

Economic Scenario

India is doing well on macroeconomic aspects with the

growth rate of 7.9 per cent, moderate inflation of 5.39 per

cent, current account surplus, controlled fiscal deficit and

large forex reserves of US$360 billion. However the country

is not insulated from global shocks & internal blows. On the

external front, exports which account for 23% of India’s GDP

have been contracting since December 2014. A sharp

decline is seen in petroleum and crude, agriculture and

allied products, ores and minerals, and electronic goods. On

the domestic side, though the urban consumption growth

has benefited from lower inflation and oil prices, the rural

economy is still fragile. On investment side, corporate

balance sheets are stressed and fresh investments are not

being undertaken. Large corporates are unwilling to borrow

due to their high debt levels and weak demand. While

corporates are unwilling to borrow, banks are focusing on

retail & SME to drive growth. However, PSBs registered a

tepid credit growth of 4.59 per cent as on March 2015-16.

Banking sector, especially PSBs, continue to struggle with

rising NPAs. The gross NPA ratio of PSBs increased from

5.02% in March 2015 to 9.30% by March 2016. However,

the government has initiated several policy reforms in core

sectors; they are yet to yield results and kick-start

investment activity. The easing price pressures have

allowed RBI to reduce the benchmark interest rate to a five-

year low of 6.5%. The central bank is also working with the

Ñããè. ‚ããÀ. ‡ãŠãñ›ãèÔÌãÀ¶ã

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Ìã ½ã쌾㠇ãŠã¾ãùããÊã‡ãŠ ‚ããä£ã‡ãŠãÀãè

ãä¹ãƾã Íãñ¾ãÀ£ããÀ‡ãŠãò,

½ãö ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ‚ããõÀ ÌãÓãà 2015-16 ‡ãñŠ ãäÊㆠãäÌã§ããè¾ã ãäÌãÌãÀ¥ã ¹ãñÍã ‡ãŠÀ ÀÖã Öîâý ½ãö ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãñŠ ¹ãƽãìŒã ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠂ããõÀ ãäÌã§ããè¾ã Ôãâ‡ãñŠ¦ã‡ãŠãò ‡ãŠãñ ‚ãã¹ã‡ãñŠ Ôãã©ã Ôãã¢ãã ‡ãŠÀ¶ãã ÞããÖ¦ãã Öúîý

‚ãããä©ãÇ㊠¹ããäÀÒ;ã

½ãõ‰ãŠãñ ‚ãããä©ãÇ㊠¹ãÖÊãî Ôãñ 7.9 ¹ãÆãä¦ãÍã¦ã ‡ãŠãè ÔãâÌãðãä® ªÀ, 5.39 ¹ãÆãä¦ãÍã¦ã ‡ãŠãè ½ã£¾ã½ã ½ãì³ãÔ¹ãŠãèãä¦ã ªÀ, ÞããÊãî Œãã¦ãã ÔãÀ¹ÊãÔã, ãä¶ã¾ãâãä¨ã¦ã ãäÌã§ã‡ãŠãñÓããè¾ã Üãã›ã ‚ããõÀ ‚ã½ãñãäÀ‡ãŠãè ¡ãùÊãÀ 360 ãäºããäÊã¾ã¶ã ‡ãñŠ ÌãðÖ¦ãá ãäÌãªñÍããè ½ãì³ã ãäÌããä¶ã½ã¾ã ‚ããÀãäàããä¦ã¾ããò ‡ãñŠ Ôãã©ã ¼ããÀ¦ã ºãñÖ¦ãÀ ‡ãŠÀ ÀÖã Öõý ¾ã²ããä¹ã, ªñÍã ÌãõãäÍÌã‡ãŠ ¢ã›‡ãŠãò ‚ããõÀ ‚ããâ¦ããäÀ‡ãŠ ¹ãÆÖãÀãò Ôãñ ‚ãœî¦ãã ¶ãÖãé Öõý ºããÖÀãè ½ããñÞãó ¹ãÀ ãä¶ã¾ããæã, •ããñ ¼ããÀ¦ã ‡ãŠãè •ããè¡ãè¹ããè ‡ãŠã 23% ãäÖÔÔãã Öõ ÌãÖ ãäªÔãâºãÀ 2014 Ôãñ ãäÔã‡ãìŠü¡¦ãã •ãã ÀÖã Öõý ¹ãñ›ÈãñãäÊã¾ã½ã †Ìãâ ‡ãŠÞÞãñ ¦ãñÊã, ‡ãðŠãäÓã ‚ããõÀ Ô㽺ãã䶣ã¦ã „¦¹ããª, ‚ã¾ãԇ㊠‚ããõÀ Œããä¶ã•ã †Ìãâ ƒÊãñ‡ã‹›Èãùãä¶ã‡ãŠ „¦¹ããªãò ‡ãŠãè ‡ãŠãè½ã¦ããñ ½ãò ¦ãñ•ã ãäØãÀãÌã› ã䪌ã ÀÖãè Öõý ÜãÀñÊãî ½ããñÞãó ¹ãÀ, ÍãÖÀãè Œã¹ã¦ã ÔãâÌãðãä® ‡ãŠãñ ½ãì³ãÔ¹ãŠãèãä¦ã ‚ããõÀ ¦ãñÊã ‡ãŠãè½ã¦ããò ‡ãñŠ ‡ãŠ½ã Öãñ¶ãñ ‡ãŠãè Ìã•ãÖ Ôãñ ¹ãŠã¾ãªã Öì‚ãã Öõ Êãñãä‡ãŠ¶ã ØãÆã½ããè¥ã ‚ã©ãÃ̾ãÌãÔ©ãã ½ãò ‚ãºã ¼ããè ‡ãŠ½ãû•ããñÀãè Öõý ãä¶ãÌãñÍã ‡ãŠãè ÒãäÓ› Ôãñ, ‡ãŠãù¹ããñÃÀñ›áÔã ‡ãŠãè ºãõÊãòÔã Íããè› ½ãò ¦ã¶ããÌã ã䪌ã ÀÖã Öõ ‚ããõÀ ¦ãã•ãã ãä¶ãÌãñÍã ¶ãÖãé ãä‡ãŠ† •ãã ÀÖñ Ööý ‚ã¹ã¶ãñ …úÞãñ û‡ãŠ•ãà ԦãÀ ‚ããõÀ ½ããâØã ½ãò ‡ãŠ½ãû•ããñÀãè ‡ãŠãè Ìã•ãÖ Ôãñ ºãü¡ñ ‡ãŠãù¹ããñÃÀñ›áÔã „£ããÀ Êãñ¶ãñ ‡ãñŠ ãäÊㆠ¦ãõ¾ããÀ ¶ãÖãé Öõý •ãÖãú †‡ãŠ ¦ãÀ¹ãŠ ‡ãŠãù¹ããñÃÀñ›áÔã ̈ ãÉ¥ã Êãñ¶ãñ ½ãò ãäÖÞã‡ãŠ ÀÖñ Öö ÌãÖãé ºãö‡ãŠ ÔãâÌãðãä® ÖããäÔãÊã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÀãè›ñÊã ‚ããõÀ †ÔㆽãƒÃ ¹ãÀ £¾ãã¶ã ÊãØãã ÀÖñ Ööý ÖãÊããâãä‡ãŠ, ÔããÌãÕããä¶ã‡ãŠ àãñ¨ã ‡ãñŠ ºãö‡ãŠãò ¶ãñ ½ããÞãà 2015-16 ½ãò 4.59 ¹ãÆãä¦ãÍã¦ã ‡ãŠãè ½ãã½ãîÊããè ÔãâÌãðãä® ÖããäÔãÊã ‡ãŠãè Öõý ºãöãä‡ãâŠØã àãñ¨ã, ãäÌãÍãñÓã ¦ããõÀ ¹ãÀ ÔããÌãÕããä¶ã‡ãŠ àãñ¨ã ‡ãñŠ ºãö‡ãŠ ºãü¤¦ãñ †¶ã¹ããè† ‡ãŠãè Ìã•ãÖ Ôãñ ‚ãºã ¼ããè •ãî¢ã ÀÖñ Ööý ½ããÞãà 2015 ½ãò ÔããÌãÕããä¶ã‡ãŠ àãñ¨ã ‡ãñŠ ºãö‡ãŠãò ‡ãŠã Ôã‡ãŠÊã †¶ã¹ããè† 5.02% ©ãã •ããñ ½ããÞãà 2016 ½ãò ºãü¤‡ãŠÀ 9.30% Öãñ Øã¾ããý ŒãõÀ, ÔãÀ‡ãŠãÀ ¶ãñ ‡ãŠãñÀ àãñ¨ããò ½ãò ¶ããèãä¦ã Ô¦ãÀ ¹ãÀ Ôãì£ããÀãò ‡ãŠãè ÍãìÁ‚ãã¦ã ‡ãŠãè Öõ; Êãñãä‡ãŠ¶ã „¶ã‡ãŠã ‚ãÔãÀ ã䪌ã¶ãã ‚ããõÀ ãä¶ãÌãñÍã Øããä¦ããäÌããä£ã¾ããò ‡ãŠãè ÍãìÁ‚ãã¦ã Öãñ¶ãã ‚ã¼ããè ºãã‡ãŠãè Öõý ‡ãŠãè½ã¦ããò ¹ãÀ ‡ãŠ½ã Öãñ¦ãñ ªºããÌã Ôãñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãñ ºãòÞã½ãã‡ãÊ º¾ãã•ã ªÀò ¹ããâÞã ÌãÓãà ‡ãñŠ ‡ãŠ½ã Ô¦ãÀ 6.5% ¦ã‡ãŠ Üã›ã¶ãñ ½ãò ½ãªª ãä½ãÊããè ©ããèý

INDIAN OVERSEAS BANK - CENTRAL OFFICE CHENNAI

ƒã䥡¾ã¶ã ‚ããñÌãÀÔããèû•ã ºãö‡ãŠ- ‡ãòŠ³ãè¾ã ‡ãŠã¾ããÃÊã¾ã- Þãñ¸ãõ

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Ìã ½ã쌾㠇ãŠã¾ãùããÊã‡ãŠ ‚ããä£ã‡ãŠãÀãè ‡ãŠã ¹ã¨ã Letter from Managing Director & Chief Executive Officer

government to clean up as much as $120 billion of stressed

assets at commercial banks, extend financial services to

India’s remote villages and rid the system of perverse

incentives that encourage companies to default on

payments.

The economy is expected to grow at 8% during FY2016-17, with the 94% increase in allocation for the farm sector by the Union Budget, fast-tracking of irrigation projects, increase in farm credit, higher allocation to MGNREGA and extension of interest rate subvention to farmers etc. Allocation for infrastructure-related sectors rose by 42.7% y-o-y for FY17. Public investments on infrastructure can help to ease the low capacity utilisation situation in most industries. Infrastructure spending will have a multiplier effect of creating demand for steel, cement, capital goods and commercial vehicles, and spurring fresh investments in manufacturing. On the face of it, bank credits expected to clock double digit growth for FY2016-17.

Performance Highlights – 2015-16

The performance of your Bank has to be evaluated and judged by esteemed stakeholders against the economic scenario witnessed by us during the last one year.

The performance details of the Bank during the year under review are as under:

Business Parameters Amount (Rs in Crores)

31.03.2016 31.03.2015

Global Business 3,97,241 4,25,090

Global Deposits 2,24,514 2,46,049

Global Advances 1,72,727 1,79,041

Operating Profit 2,885 3322

Net profit/Loss -2,897.33 -454.33

Net investments of the bank decreased to Rs. 79189.55 Crs as of 31st March 2016 from Rs.81310.34* Crs as on 31st March 2015. Total profit including sale of securities & profit on exchange amounted to Rs. 699.58 Crores during the year 2015-16 as against Rs.772.23 Crores of 2014-15. 10-year benchmark yield has gone down from 7.81% to 7.46% during the year. The return on total investments before amortization for the year 2015-16 is 7.56% as against 7.64% in 2014-15. (*Includes investment in IRDF amounting to Rs.2012.25 Cr. as on 31.03.2015)

Advances:

Gross Advaces stood at Rs.1,72,727 crore as on 31st March 2016 as against Rs.1,79,041 crore as on 31st March 2015. As the Bank was in consolidation mode, credit growth was

4

‡ãòŠ³ãè¾ã ºãö‡ãŠ ¼ããè Ìãããä¥ãã䕾ã‡ãŠ ºãö‡ãŠãò ‡ãŠãè $120 ãäºããäÊã¾ã¶ã ‡ãŠãè ¦ã¶ããÌãØãÆԦ㠂ãããäÔ¦ã¾ããò ‡ãŠãñ Ôã½ã㹦㠇ãŠÀ¶ãñ, ¼ããÀ¦ã ‡ãñŠ ªîÀÔ©ã ØããÌããò ¦ã‡ãŠ ãäÌã§ããè¾ã ÔãñÌãã†ú ¹ãÖìâÞãã¶ãñ ‚ããõÀ ‡ã⊹ããä¶ã¾ããò ‡ãŠãñ ¼ãìØã¦ãã¶ã ½ãò Þãî‡ãŠ ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ„¦Ôãããä֦㠇ãŠÀ¶ãñ ÌããÊãñ ¼ÇãÓ› ¹ãÆãñ¦Ôããֶ㠹ãÆ¥ããÊããè Ôãñ œì›‡ãŠãÀã ¹ãã¶ãñ ½ãò ÔãÀ‡ãŠãÀ ‡ãñŠ Ôãã©ã ãä½ãÊã‡ãŠÀ ‡ãŠã½ã ‡ãŠÀ ÀÖã Öõý ‡ãòŠ³ãè¾ã ºã•ã› ½ãò ‡ãðŠãäÓã àãñ¨ã ‡ãñŠ ãäÊㆠ‚ããºã⛶㠽ãò 94% Ìãðãä®, ãäÔãâÞããƒÃ ¹ããäÀ¾ããñ•ã¶ãã‚ããñâ ½ãò ¦ãñ•ããè, ‡ãðŠãäÓã „£ããÀ ½ãò Ìãðãä®, ½ã¶ãÀñØãã ½ãò „ÞÞã ‚ããºã⛶㠂ããõÀ ãä‡ãŠÔãã¶ããò ‡ãŠãñ º¾ãã•ã ½ãã¹ããè ¹ãƪã¶ã ‡ãŠÀ¶ãñ ƒ¦¾ãããäª ‡ãŠãè Ìã•ãÖ Ôãñ ãäÌã§ããè¾ã ÌãÓãà 2016-17 ‡ãñŠ ªãõÀã¶ã ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãñŠ 8% ‡ãŠãè ªÀ Ôãñ ÔãâÌãðãä® ‡ãŠã ‚ã¶ãì½ãã¶ã Öõý ÌãÓãÃ-ªÀ-ÌãÓãà ‡ãŠãè ¦ãìÊã¶ãã ½ãò ãäÌã§ããè¾ã ÌãÓãà 2016-17 ½ãò ‚ãã£ããÀ¼ãî¦ã ¤ãâÞãñ Ôãñ Ô㽺ãã䶣ã¦ã àãñ¨ããò ‡ãñŠ ãäÊㆠ‚ããºã⛶ã 42.7% ºãü¤ã Öõý ‚ãã£ããÀ¼ãî¦ã ¤ãúÞãñ ½ãò ÔããÌãÕããä¶ã‡ãŠ ãä¶ãÌãñÍã Ôãñ ‚ããä£ã‡ãŠ¦ã½ã „²ããñØããò ½ãò ̾ã㹦㠇㊽ã àã½ã¦ãã „¹ã¾ããñØã ‡ãŠãè ãäÔ©ããä¦ã ½ãò Ôãì£ããÀ ‚ãã†Øããý ‚ãã£ããÀ¼ãî¦ã ¤ãâÞãñ ½ãò ŒãÞãà Ôãñ Ô›ãèÊã, Ôããè½ãò›, ‡ãõŠãä¹ã›Êã Øãì¡áÔã †Ìãâ Ìãããä¥ãã䕾ã‡ãŠ ÌããÖ¶ããò ‡ãñŠ ãäÊㆠ½ããâØã ºã¶ãã¶ãñ ‚ããõÀ ãäÌããä¶ã½ããå㠽ãò ¶ã† ãä¶ãÌãñÍããò ‡ãŠãè ÍãìÁ‚ãã¦ã ‡ãŠã Øãì¥ã㦽ã‡ãŠ ¹ãƼããÌã ¹ãü¡ñØããý ƒÔã‡ãŠãè Ìã•ãÖ Ôãñ ãäÌã§ããè¾ã ÌãÓãà 2016-17 ½ãò ºãö‡ãŠ „£ããÀãò ½ãò ªãñÖÀñ ‚ãâ‡ãŠ ½ãò ÔãâÌãðãä® ‡ãŠãè „½½ããèª ‡ãŠãè •ãã ÀÖãè Öõý ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠇ãŠãè ãäÌãÍãñÓã¦ãã†â - 2015-16Ôã½½ãã¶ã¶ããè¾ã ãäÖ¦ã£ããÀ‡ãŠãò ́ ãÀã ‚ã¹ã¶ãñ ºãö‡ãŠ ‡ãñŠ ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠇ãŠã ½ãîʾããâ‡ãŠ¶ã †Ìãâ „Ôã‡ãŠã ãä¶ã¥ãþã ãä¹ãœÊãñ †‡ãŠ ÌãÓãà ‡ãñŠ ªãõÀã¶ã Ö½ããÀñ Ôã½ãàã ‚ãㆠ‚ãããä©ãÇ㊠¹ããäÀÒ;㠇ãñŠ Ôã⪼ãà ½ãò ãä‡ãŠ¾ãã •ãã†ý Ôã½ããèàãã£ããè¶ã ÌãÓãà ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠇ãŠã ãäÌãÌãÀ¥ã ãä¶ã½¶ããäÊããäŒã¦ã Öõ:

‡ãŠãÀãñºããÀ ½ãã¶ãªâ¡ ÀããäÍã (Á. ‡ãŠÀãñü¡ ½ãò)

31.03.2016 31.03.2015

ÌãõãäÍÌã‡ãŠ ‡ãŠãÀãñºããÀ 3,97,241 4,25,090

ÌãõãäÍÌã‡ãŠ •ã½ãã†â 2,24,514 2,46,049

ÌãõãäÍÌã‡ãŠ ‚ããäØãƽã 1,72,727 1,79,041

¹ããäÀÞããÊã¶ã Êãã¼ã 2,885 3322

ãä¶ãÌãÊã Êãã¼ã / Öããä¶ã -2,897.33 -454.33

31 ½ããÞãà 2015 ‡ãŠãñ Á. 81310.34* ‡ãŠÀãñü¡ ‡ãñŠ ½ãì‡ãŠãºãÊãñ ºãö‡ãŠ ‡ãŠã ãä¶ãÌãÊã ãä¶ãÌãñÍã Ü㛇ãŠÀ 31 ½ããÞãà 2016 ¦ã‡ãŠ Á. 79189.55 ‡ãŠÀãñü¡ Öãñ Øã¾ããý ãäÌããä¶ã½ã¾ã ¹ãÀ Êãã¼ã †Ìãâ ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠãè ãäºã‰ãŠãè ‡ãñŠ ºããÌã•ãîª ÌãÓãà 2015-16 ‡ãñŠ ªãõÀã¶ã ‡ãìŠÊã Êãã¼ã Á¹ã† 699.58 ‡ãŠÀãñü¡ ÀÖã •ãºããä‡ãŠ 2014-15 ½ãò ¾ãÖ Á. 772.23 ‡ãŠÀãñü¡ ©ããý ÌãÓãà ‡ãñŠ ªãõÀã¶ã 10-ÌãÓãà ‡ãŠãè ºãòÞã½ãã‡ãÊ ¹ãÆãã书ã 7.81% Ôãñ Ü㛇ãŠÀ 7.46% Öãñ ØãƒÃý ÌãÓãà 2014-15 ½ãò 7.64% ‡ãñŠ ½ãì‡ãŠãºãÊãñ ÌãÓãà 2015-16 ½ãò ¹ããäÀÍããñ£ã¶ã Ôãñ ¹ãîÌãà ‡ãìŠÊã ãä¶ãÌãñÍã ¹ãÀ ãäÀ›¶ãà 7.56% ÀÖãý (*31.03.2015 ¦ã‡ãŠ ‚ããƒ.‚ããÀ.¡ãè.†¹ãŠ. ½ãò Á.2012.25 ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã ‡ãŠã ãä¶ãÌãñÍã Íãããä½ãÊã Öõ)‚ããäØãƽã:

31 ½ããÞãà 2016 ¦ã‡ãŠ Ôã‡ãŠÊã ‚ããäØãƽã Á. 1,72,727 ‡ãŠÀãñü¡ ÀÖã •ããñ 31 ½ããÞãà 2015 ‡ãŠãñ 1,79,041 ‡ãŠÀãñü¡ ©ããý ºãö‡ãŠ ‡ãŠãñ¶ÔããñãäÊã¡ñÍã¶ã ½ããñ¡ ½ãò ©ãã ƒÔããäÊã†

5

¨ãÉ¥ã Êãñ¶ãñ ÌããÊããò ‡ãŠãè ‡ãŠ½ããè ‡ãŠãñ ªñŒã¦ãñ Öì† ¨ãÉ¥ã ÔãâÌãðãä® ‡ãŠãñ •ãã¶ã¦ãñ Ôã½ã¢ã¦ãñ Ôããèãä½ã¦ã ãä‡ãŠ¾ãã Øã¾ããý

ãä¶ãÌãÊã Êãã¼ã :

31.03.2016 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠãä¶ãÌãÊã Üãã›ã Á. 2897.33 ‡ãŠÀãñü¡ ©ãã ‚ããõÀ Þããõ©ããè ãä¦ã½ããÖãè ½ãò Á. 936 ‡ãŠÀãñü¡ •ãºããä‡ãŠ ¦ããèÔãÀãè ãä¦ã½ããÖãè ½ãò ãä¶ãÌãÊã Üãã›ã Á. 1425 ‡ãŠÀãñü¡ ©ããý 31.03.2015 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ½ãò ãä¶ãÌãÊã Üãã›ã Á. 454.33 ‡ãŠÀãñü¡ ©ããý

Á. 2885 ‡ãŠÀãñü¡ ‡ãñŠ ¹ããäÀÞããÊã¶ã Êãã¼ã ‡ãñŠ ½ãì‡ãŠãºãÊãñ †¶ã¹ããè†, ¹ãì¶ãÔãÃâÀãäÞã¦ã Œãã¦ããò, ›õ‡ã‹Ôã †Ìãâ ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãñŠ ¹ãƽãìŒã àãñ¨ããò Ôãñ Ô㽺ãã䶣ã¦ã ¶ã† Œãã¦ããò ‡ãñŠ †¶ã¹ããè† ºã¶ã¶ãñ ‡ãŠãè Ìã•ãÖ Ôãñ Á. 5782 ‡ãŠÀãñü¡ ‡ãñŠ ºãü¤ñ Öì† ¹ãÆãÌã£ãã¶ããò ‡ãŠãè Ìã•ãÖ Ôãñ Ö½ãò ‚ã¹ã¶ãñ Êãã¼ã ½ãò ‚ããä•ãæ㠂ãã¾ã Ôãñ Öã©ã £ããñ¶ãã ¹ãü¡ã •ããñ ÌãÓãà ‡ãñŠ ãäÊㆠÜãã›ñ ‡ãñŠ ¹㠽ãò ã䪌ã ÀÖã Öõý

ÍããŒãã ãäÌãÔ¦ããÀ:-

31.03.2016 31.03.2015

ÍããŒãã‚ããñâ ‡ãŠãè Ôã⌾ãã

‡ãŠ. ÜãÀñÊãî 3397 3 3 8 1 - ƒÔã½ãò Ôãñ

ØãÆã½ããè¥ã 1036 1028- ‚ã®Ã-ÍãÖÀãè 960 947- ÍãÖÀãè 748 747- ½ãÖã¶ãØãÀãè¾ã 653 659Œã.ÌãõãäÍÌã‡ãŠ 8 8

ƒÔã‡ãñŠ ‚ããä¦ããäÀ§ãŠ, ºãö‡ãŠ ‡ãñŠ 7 ‚ãâÞãÊã ‡ãŠã¾ããÃÊã¾ã, 49 àãñ¨ããè¾ã ‡ãŠã¾ããÃÊã¾ã, 4 ãäÌãÔ¦ããÀ ‡ãŠã„â›À, 20 Ôãñ›ñÊãホ ‡ãŠã¾ããÃÊã¾ã, 14 ãäÔã›ãè ºãö‡ãŠ ‡ãŠã¾ããÃÊã¾ã, 41 ¦ÌããäÀ¦ã ŒãìªÀã ‡ãòŠ³, 18 †½ã†ÔㆽãƒÃ ¹ãÆÔãâÔ‡ãŠÀ¥ã ‡ãòŠ³ ‚ããõÀ 6 ãä¶ãÀãèàã¥ããÊã¾ã Ööý

Ôã½ããèàãã£ããè¶ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ªñÍã ¼ãÀ ½ãò 34 ÍããŒãã†â ŒããñÊããè Ööý 2015-16 ‡ãñŠ ªãõÀã¶ã ŒããñÊããè ØãƒÃ ƒ¶ã 34 ÍããŒãã‚ããñâ ½ãò Ôãñ, 26 ÍããŒãã†â (76.47%) ØãÆã½ããè¥ã †Ìãâ ‚ã£ãÃ-ÍãÖÀãè ‡ãòŠ³ãò ½ãò ‚ããõÀ 8 ÍããŒãã†â ºãö‡ãŠ ÀãäÖ¦ã ØãÆã½ããè¥ã ‡ãòŠ³ãò ½ãò ŒããñÊããè ØãƒÃ Ööý ƒ¶ã ¶ãƒÃ ÍããŒãã‚ããñâ ¶ãñ ºãö‡ãŠ ‡ãŠãñ ¶ã† ãäÀͦãñ ºã¶ãã¶ãñ ‚ããõÀ Ôã¼ããè À㕾ããò ½ãò ‚ã¹ã¶ããè ½ããõ•ãîªØããè ªû•ãà ‡ãŠÀã¶ãñ ½ãò ÔãÖ¾ããñØã ãä‡ãŠ¾ãã Öõý

‚㶾ã ãäÌãÍãñÓã¦ãã†â:-

Ÿ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ 40% ‡ãñŠ ¶¾ãî¶ã¦ã½ã ãä¶ã¾ã½ã ‡ãñŠ ½ãì‡ãŠãºãÊãñ, Ôã½ãã¾ããñãä•ã¦ã ãä¶ãÌãÊã ºãö‡ãŠ „£ããÀ ½ãò ¹ãÆã©ããä½ã‡ãŠ¦ãã àãñ¨ã ‡ãŠãñ ‚ããäØãƽ㠇ãŠã ¹ãÆãä¦ãÍã¦ã 40.29% ÀÖã Öõý

(Á. ‡ãŠÀãñü¡ ½ãò) 31.03.2016 31.03.2015

‡ãìŠÊã ¹ãÆã©ããä½ã‡ãŠ¦ãã „£ããÀ 67,615 63,635‡ãðŠãäÓã 30,237 29,236Ôãîà½ã Ì㠽㣾ã½ã „²ã½ã 27,950 26,161‡ãŠ½ãû•ããñÀ ÌãØãà 21,824 23,478

contained consciously, in the backdrop of low credit off-take.

NET PROFIT:

Net loss for the year ended 31.03.2016 is Rs.2897.33 crore

and for Q4 Rs.936 crore as against net loss of Rs.1425 crore

in Q3 of 2015-16. Net loss for the year ended 31.03.2015

was Rs.454.33 crore.

Due to increased provisions of Rs 5782 crore against

operating profit of Rs 2885 crore on NPA, Restructured

accounts, Taxes and fresh slippages of accounts to NPA

under prime sector of the economy, which resulted the

denial of income accrued thereon for our profit, resulted in

net loss for the year.

Branch Expansion:-

31.03.2016 31.03.2015

No of Branches

A. Domestic 3397 3381

Of which

- Rural 1036 1028

- Semi Urban 960 947

- Urban 748 747

- Metro 653 659

B.Global 8 8

Besides, the Bank has 7 Zonal Offices, 49 Regional Offices, 4 Extension Counters, 20 Satellite Offices, 14 City Back Offices, 41 Rapid Retail Centres, 18 MSME Processing Centres and 6 Inspectorates.

During the year under review, the Bank has opened 34 branches across the country. Out of 34 branches opened during 2015-16, 26 branches (76.47%) are located in Rural and Semi Urban centres, of which 8 branches are located in Unbanked Rural Centres. These new branches have enabled the Bank to enhance new relationship and spread Bank’s Network covering all states.

Other Highlights:-

• The percentage of priority sector advances to Adjusted Net Bank Credit stood at 40.29% as against RBI norms of minimum 40%.

(Rs. in crore)

31.03.2016 31.03.2015

Total Priority Credit 67,615 63,635

Agriculture 30,237 29,236

Micro & Small Enterprises 27,950 26,161

Weaker Sections 21,824 23,478

Other Priority Sector 9,428 8,237

6

• Business per employee stood at 12.41 crore as on 31.03.2016.

• Gross NPA as at 31st March 2016 was at Rs. 30,049 crore with Gross NPA ratio of 17.40% and Net NPA stood at 11.89%.

• Provision Coverage Ratio stood at 47.39% as on 31.03.2016.

• Capital Adequacy Ratio

The Bank’s Capital Adequacy Ratio as on 31.3.2016 stood at 9.66% as per Basel III norms, which is above the requirement of 9.625% prescribed by RBI.

Bank has incurred a net loss of Rs 2897.33 crore during the financial year ended 31.03.2016. Hence the Board of Directors has not recommended any dividend, as the Bank does not confirm to eligibility criteria prescribed by GOI/RBI.

• IT INITIATIVES:

Bank has embarked on Technology Upgrade and IT Transformation, to improve the operational efficiency and customer service. All domestic branches and other offices have been successfully migrated from In house software “CROWN” to the outsourced Finacle 10 Software. This will improve customer satisfaction level and facilitate the customers to conduct their banking operations from home 24/7 in a faster manner. Mobile banking solution through smart phone applications and real time funds transfer (IMPS) has been launched along with other new IT initiatives. IOB Debit card payment option in IRCTC site has been enabled.

• Para banking:-

In the area of Para-banking, Bank is concentrating on marketing of insurance products and IT enabled products. The Bank continues with its Corporate Agency arrangement entered into with LIC of India for distribution of Life Insurance products, Universal Sompo General Insurance Company Limited (the Non-Life Insurance Joint Venture Company) for distribution of non-life insurance products and Apollo Munich Health Insurance (Standalone Health Insurance partner) for distribution of Health Insurance Products.

For FY 2015-16, our Bank has earned commission of Rs. 3.03 Crores through mobilizing LIC policies, Rs. 11.98 Crores through mobilizing Universal Sompo policies and Rs.2.06 Crores through mobilizing Apollo Munich Health Insurance policies.

• Steps to improve Profitability:-

As part of the efforts to improve profitability, bank lays renewed emphasis on improving the CASA ratio, improve Net Interest Margin, reduction of NPAs to a large extent through intensive recovery measures like conducting frequent Lok Adalats / Recovery Camps, One-Time

‚㶾㠹ãÆã©ããä½ã‡ãŠ¦ãã àãñ¨ã 9,428 8,237

Ÿ 31.03.2016 ¦ã‡ãŠ ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè ‡ãŠãÀãñºããÀ 12.41 ‡ãŠÀãñü¡ ÀÖãý

Ÿ 17.40% ‡ãñŠ Ôã‡ãŠÊã †¶ã¹ããè† ‚ã¶ãì¹ãã¦ã ‡ãñŠ Ôãã©ã 31 ½ããÞãà 2016 ¦ã‡ãŠ Ôã‡ãŠÊã †¶ã¹ããè† Á¹ã† 30,049 ‡ãŠÀãñü¡ ‚ããõÀ ãä¶ãÌãÊã †¶ã¹ããè† 11.89% ÀÖãý

Ÿ 31.03.2016 ¦ã‡ãŠ ¹ãÆãÌã£ãã¶ã ‡ãŠÌãÀñ•ã ‚ã¶ãì¹ãã¦ã 47.39% ÀÖãý

Ÿ ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã

ºãñÔãÊã III ãä¶ã¾ã½ããò ‡ãñŠ ‚ã¶ãìÔããÀ 31.03.2016 ¦ã‡ãŠ ºãö‡ãŠ ‡ãŠã ¹ãîâ•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã 9.66% ¹ãÀ ÀÖã •ããñ ¼ãã.ãäÀ.ºãö. ́ ãÀã ãä¶ã£ããÃãäÀ¦ã 9.625% ‡ãŠãè ‚ã¹ãñàãã Ôãñ …¹ãÀ Öõý

31.03.2016 ‡ãŠãñ Ôã½ã㹦ã ãäÌã§ããè¾ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãŠãñ Á. 2897.33 ‡ãŠÀãñü¡ ‡ãŠã ãä¶ãÌãÊã Üãã›ã Öì‚ãã Öõý ‚ã¦ã: ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ¶ãñ ãä‡ãŠÔããè ¹ãƇãŠãÀ ‡ãñŠ Êãã¼ããâÍã ‡ãŠãè ‚ã¶ãìÍãâÔãã ¶ãÖãé ‡ãŠãè Öõ ‡ã‹¾ããòãä‡ãŠ ºãö‡ãŠ ¼ããÀ¦ã ÔãÀ‡ãŠãÀ / ¼ãã.ãäÀ.ºãö. ́ ãÀã ãä¶ã£ããÃãäÀ¦ã ¹ãã¨ã¦ãã ½ãã¶ãªâ¡ ‡ãŠãè ¹ãîãä¦ãà ¶ãÖãé ‡ãŠÀ¦ãã Öõý

Ÿ ‚ãホãè ¹ãÖÊãò:

ºãö‡ãŠ ¶ãñ ¦ã‡ãŠ¶ããè‡ãŠ „¸ã¾ã¶ã ‚ããõÀ ‚ãホãè ¹ããäÀÌã§ãöããò ‡ãŠãè ‚ããñÀ ¹ãÖÊã ‡ãŠãè Öõ ¦ãããä‡ãŠ ¹ããäÀÞããÊã¶ã㦽ã‡ãŠ ¹ãƼãããäÌã¦ãã ‚ããõÀ ØãÆãև㊠ÔãñÌãã ‡ãŠãñ Ôãì£ããÀã •ãã Ôã‡ãñŠý Ôã¼ããè ÜãÀñÊãî ÍããŒãã†â Ôã¹ãŠÊã¦ãã¹ãîÌãÇ㊠ÜãÀñÊãî Ôããù¹ã‹›Ìãñ¾ãÀ "‰ãŠã„¶ã" Ôãñ ‚ãã„›ÔããñÔãà ãä‡ãŠ† Øㆠãä¹ãŠ¶ãñ‡ãŠÊã 10 Ôããù¹ã‹›Ìãñ¾ãÀ ½ãò ½ããƒØãÆñ› Öãñ ØãƒÃ Ööý ƒÔãÔãñ ØãÆãև㊠Ôãâ¦ãìãäÓ› Ô¦ãÀ ½ãò Ôãì£ããÀ ‚ãã†Øãã ‚ããõÀ ØãÆãÖ‡ãŠãò ‡ãŠãñ 24/7 ÜãÀ Ôãñ Öãè ºãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã ¦ãñ•ã Øããä¦ã Ôãñ ‡ãŠÀ¶ãñ ½ãò ÔãìãäÌã£ãã ÖãñØããèý ‚㶾㠂ãホãè ¹ãÖÊããò ‡ãñŠ Ôãã©ã Ô½ãã›Ã ¹ãŠãñ¶ã †ãä¹Êã‡ãñŠÍã¶ã ‡ãñŠ •ããäÀ† ½ããñºããƒÊã ºãöãä‡ãâŠØã ÔãìãäÌã£ãã ‚ããõÀ ¦ã¦‡ãŠãÊã ãä¶ããä£ã ‚ãâ¦ãÀ¥ã (‚ãテ½ã¹ããè†Ôã) ¼ããè Íãì ãä‡ãŠ¾ãã Øã¾ãã Öõý ‚ãヂããÀÔããè›ãèÔããè ‡ãŠãè Ôãホ ¹ãÀ ‚ãヂããñºããè ¡ñãäºã› ‡ãŠã¡Ã ¼ãìØã¦ãã¶ã ‡ãŠã ãäÌã‡ãŠÊ¹ã Ôããä‰ãŠ¾ã ‡ãŠÀã¾ãã Øã¾ãã Öõý

Ÿ ¹ãõÀã ºãöãä‡ãŠâØã:-

¹ãõÀã ºãöãä‡ãâŠØã ‡ãñŠ àãñ¨ã ½ãò, ºãö‡ãŠ ºããè½ãã „¦¹ããªãò Ìã ‚ãホãè Ôã½ããä©ãæ㠄¦¹ããªãò ‡ãŠãè ½ãã‡ãóŠãä›âØã ¹ãÀ £¾ãã¶ã ªñ ÀÖã Öõý ºãö‡ãŠ •ããèÌã¶ã ºããè½ãã „¦¹ããªãò ‡ãñŠ ãäÌã¦ãÀ¥ã ‡ãñŠ ãäÊㆠ†Êã.‚ããƒ.Ôããè ‡ãñŠ Ôãã©ã, ØãõÀ •ããèÌã¶ã ºããè½ãã „¦¹ããªãò ‡ãñŠ ãäÌã¦ãÀ¥ã ‡ãñŠ ãäÊㆠ¾ãìãä¶ãÌãÔãÃÊã Ôããñ½¹ããñ •ã¶ãÀÊã ƒâ;ããñÀòÔã ‡ã⊹ã¶ããè ãäÊããä½ã›ñ¡ (ØãõÀ •ããèÌã¶ã ºããè½ãã Ôãâ¾ãì‡ã‹¦ã ÌãòÞãÀ ‡ã⊹ã¶ããè) ¦ã©ãã ÔÌããÔ©¾ã ºããè½ãã „¦¹ããªãò ‡ãñŠ ãäÌã¦ãÀ¥ã ‡ãñŠ ãäÊㆠ‚ã¹ããñÊããñ ½¾ãìãä¶ã‡ãŠ ÖñÊ©ã ƒâ;ããñÀòÔã (Ô›ö¡ ‚ãÊããñ¶ã ÔÌããÔ©¾ã ºããè½ãã Ôãã¢ãñªãÀ) ‡ãñŠ Ôãã©ã ‚ã¹ã¶ãñ ‡ãŠãù¹ããñÃÀñ› †•ãòÔããè ‡ãŠÀãÀ ‡ãŠãñ û•ããÀãè ÀŒã¦ãã Öõý

ãäÌã§ããè¾ã ÌãÓãà 2015-16 ‡ãñŠ ãäÊã†, Ö½ããÀñ ºãö‡ãŠ ¶ãñ †Êã.‚ããƒ.Ôããè ¹ããùãäÊãÔããèû•ã ‡ãŠãñ •ãì›ã‡ãŠÀ Á. 3.03 ‡ãŠÀãñü¡, ¾ãìãä¶ãÌãÔãÃÊã Ôããñ½¹ããñ ¹ããùãäÊãÔããèû•ã ‡ãŠãñ •ãì›ã‡ãŠÀ Á. 11.98 ‡ãŠÀãñü¡ ¦ã©ãã ‚ã¹ããñÊããñ ½¾ãìãä¶ã‡ãŠ ÔÌããÔ©¾ã ºããè½ãã ¹ããùãäÊãÔããèû•ã ‡ãŠãñ •ãì›ã‡ãŠÀ Á. 2.06 ‡ãŠÀãñü¡ ‚ããä•ãæã ãä‡ãŠ¾ããý

Ÿ Êãã¼ã¹ãƪ¦ãã ‡ãŠãñ ºãñÖ¦ãÀ ‡ãŠÀ¶ãñ ‡ãñŠ ‡ãŠª½ã:-

Êãã¼ã¹ãƪ¦ãã ‡ãŠãñ ºãñÖ¦ãÀ ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãƾããÔããò ‡ãñŠ ¹㠽ãò, ºãö‡ãŠ ‡ãŠãÔãã ‚ã¶ãì¹ãã¦ã Ôãì£ããÀ¶ãñ, ãä¶ãÌãÊã º¾ãã•ã ½ãããä•ãöã Ôãì£ããÀ¶ãñ, ãä¶ãÀâ¦ãÀ Êããñ‡ãŠ ‚ãªãÊã¦ã/ ÌãÔãîÊããè ‡ãõŠâ¹ããò ‡ãñŠ ‚ãã¾ããñ•ã¶ã, †‡ãŠºããÀØããè ãä¶ã¹ã›ã¶ã Ìã ÔãÀ¹ãŠãÔããè ‚ããä£ããä¶ã¾ã½ã ‡ãñŠ ¦ãÖ¦ã ãäÌããä£ã‡ãŠ

7

‡ãŠãÀÃÌããƒÃ ‡ãŠÀ¶ãñ ‚ããõÀ ¹ãã¨ã Œãã¦ããò ½ãò ãäÌã§ããè¾ã ‚ãããäÔ¦ã¾ããò ‡ãñŠ ãäÌã‰ãŠ¾ã •ãõÔãñ ØãÖ¶ã ÌãÔãîÊããè „¹ãã¾ããò Ôãñ ºãü¡ñ Ô¦ãÀ ¹ãÀ †¶ã.¹ããè.† ‡ãŠãè ‡ãŠ½ããè ¹ãÀ ¶ã† ãäÔãÀñ Ôãñü •ããñÀ ªñ ÀÖã Öõý

Ÿ ãäÌãªñÍããè ¹ããäÀÞããÊã¶ã:

Ö½ããÀñ ãäÌãªñÍããè ¹ããäÀÞããÊã¶ããò ‡ãñŠ Ôãâºãâ£ã ½ãò ãäÌãªñÍããò ½ãò Ö½ããÀãè ‚ã㟠¹ãî¥ãà ÍããŒãã†â Öö ãä•ã¶ã½ãò Ôãñ ÖãúØã‡ãŠãúØã, ºãö‡ãŠãù‡ãŠ Ìã ÑããèÊãâ‡ãŠã ½ãò ªãñ-ªãñ ¦ã©ãã ãäÔãâØãã¹ãìÀ Ìã ªãäàã¥ã ‡ãŠãñãäÀ¾ãã ½ãò †‡ãŠ-†‡ãŠ ÍããŒãã†ú Ööý Ö½ããÀñ ¾ãÖãú ºãî¶ã Êãñ ¦ã©ãã ÔãñÀâØãî¶ã ½ãò ¹ããäÀÞãããäÊã¦ã ãäÌã¹ãÆñÓã¥ã ‡ãòŠ³ ¼ããè Ööý ‚ãØãÔ¦ã 2013 ‡ãñŠ ªãõÀã¶ã, ºãö‡ãŠ ¶ãñ ÑããèÊãâ‡ãŠã ‡ãŠãè †‡ãŠ „¹ãÍããŒãã ‡ãŠãñ ãäÌããä£ãÌã¦ã ãäÌããä¶ã¾ãã½ã‡ãŠ ‚ã¶ãì½ããñª¶ããò ‡ãñŠ Ôãã©ã ÍããŒãã ½ãò „¸ã¦ã ‡ãŠÀã¾ãã ãä•ãÔãÔãñ ÑããèÊãâ‡ãŠã ½ãò Ö½ããÀãè ÍããŒãã‚ããñâ ‡ãŠãè Ôãâ. ºãü¤‡ãŠÀ ªãñ Öãñ ØãƒÃ Öõý ‚ãØãÔ¦ã 2014 ‡ãñŠ ªãõÀã¶ã, ÔãìŒãì½ããäÌã›, ºãö‡ãŠãù‡ãŠ ‡ãñŠ Ôãã©ã ºãöâ‡ãŠ ½ãò ÍããŒãã‚ããñâ ‡ãŠãè Ôã⌾ãã ºãü¤‡ãŠÀ ªãñ Öãñ ØãƒÃ Öõý ºãö‡ãŠ ‡ãñŠ ¹ãÆãä¦ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ã ØãìÌããâØã¢ãî (Þããè¶ã), Öãñ ãäÞã ãä½ã¶Ö ãäÔã›ãè (ãäÌã¾ã¦ã¶ãã½ã) ¦ã©ãã ‚ãÊã ‡ãŠÀã½ãã (ªìºãƒÃ) ½ãò ãäÔ©ã¦ã Ööý ºãö‡ãŠ ªìºãƒÃ, ãäÌã¾ã¦ã¶ãã½ã ¦ã©ãã Þããè¶ã ‡ãñŠ ‚ã¹ã¶ãñ ¹ãÆãä¦ããä¶ããä£ã ‡ãŠã¾ããÃÊã¾ããò ‡ãŠãñ ¹ãî¥ãà ÍããŒãã ½ãò „¸ã¦ã ‡ãŠÀã¶ãñ ‡ãñŠ ãäÊㆠ¼ãã. ãäÀ. ºãö. ‡ãŠãè ‚ã¶ãì½ããä¦ã ‡ãŠãè ¹ãƦããèàãã ½ãò Öõý

ãäÌã§ã ½ãâ¨ããÊã¾ã, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¶ãñ ºãö‡ãŠ ´ãÀã ‚ããñÌãÀÔããèû•ã •ãñÌããè/ ¡ºÊ¾ãî‚ããñ†Ôã ŒããñÊã¶ãñ ‡ãñŠ ãäÊㆠãä¶ã½¶ããäÊããäŒã¦ã ãäÌãªñÍããè ‡ãòŠ³ãò ‡ãŠãñ ‚ããºãâã䛦ã ãä‡ãŠ¾ãã Öõ: 1. ©ããƒÊãö¡, 2. ãäÌã¾ã¦ã¶ãã½ã, 3. ½ãâØããñãäÊã¾ãã, 4. ÑããèÊãâ‡ãŠã ¦ã©ãã 5. ‡ãŠãñãäÀ¾ãã Øã¥ãÀ㕾ãý

Ö½ããÀñ ºãö‡ãŠ ¶ãñ ½ãÊãñãäÍã¾ãã ½ãò †‡ãŠ ºãöãä‡ãâŠØã ‚ã¶ãìÓãâØããè ŒããñÊã¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ‚ããù¹ãŠ ºãü¡ãõªã ¦ã©ãã ‚ã㶣Çãã ºãö‡ãŠ ‡ãñŠ Ôãã©ã †‡ãŠ Ôãâ¾ãì§ãŠ „¹ã‰ãŠ½ã ‡ãŠÀãÀ ¹ãÀ ÖÔ¦ããàãÀ ãä‡ãŠ¾ãã Öõý ƒÔã Ôãâ¾ãì§ãŠ „¹ã‰ãŠ½ã ‡ãŠãñ "ƒã䥡¾ãã ƒâ›À¶ãñÍã¶ãÊã ºãö‡ãŠ (½ãÊãñãäÍã¾ãã) ãäÊã." ºããè†Þã¡ãè ‡ãñŠ ¶ãã½ã Ôãñ 13.08.2010 ‡ãŠãñ ½ãÊãñãäÍã¾ãã ½ãò ãäÌããä£ãÌã¦ã Íãããä½ãÊã ‡ãŠÀ ãäÊã¾ãã Øã¾ãã Öõ ‚ããõÀ ƒÔã ºãöãä‡ãâŠØã Ôãâ¾ãì§ãŠ „¹ã‰ãŠ½ã ¶ãñ •ãìÊããƒÃ 2012 Ôãñ ‡ãŠã¾ãà ‡ãŠÀ¶ãã ‚ããÀâ¼ã ‡ãŠÀ ã䪾ãã Öõý

Ÿ ¹ãÆ£ãã¶ã ½ãâ¨ããè •ã¶ã £ã¶ã ¾ããñ•ã¶ãã (¹ãã膽ã•ãñ¡ãèÌããƒ):

ºãö‡ãŠ ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ¹ããè.†½ã.•ãñ.¡ãè.Ìãム‡ãŠã ‡ãŠã¾ããöÌã¾ã¶ã ‡ãŠÀ ÀÖã Öõý ¾ãÖ ¾ããñ•ã¶ãã ¼ããÀ¦ã ‡ãñŠ ¹ãÆ£ãã¶ã ½ãâ¨ããè ´ãÀã 15 ‚ãØãÔ¦ã 2014 ‡ãŠãñ Íãì ‡ãŠãè ØãƒÃý ºãö‡ãŠ ¶ãñ ƒÔã ¾ããñ•ã¶ãã ‡ãñŠ ¦ãÖ¦ã 31 ½ããÞãà 2016 ¦ã‡ãŠ 38,62,633 ºããè†Ôãºããè¡ãè Œãã¦ãñ ŒããñÊãñ Öö ‚ããõÀ 37,30,544 ¹ãñ ¡ñãäºã› ‡ãŠã¡Ã •ããÀãè ãä‡ãŠ† Ööý

Ÿ ‚ãヂããñºããè ‡ãŠãñ ¹ãÆ㹦㠹ãìÀÔ‡ãŠãÀ:

Ø ¼ããÀ¦ããè¾ã Ôãà½ã, ÊãÜãì „²ã½ã ÞãöºãÀ, ãäªÊÊããè ¶ãñ ƒã䥡¾ã¶ã ‚ããñÌãÀÔããèû•ã ºãö‡ãŠ ‡ãŠãñ 2015-16 ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ¹ãìÀÔ‡ãŠãÀ ¹ãƪã¶ã ãä‡ãŠ¾ãã

ü †½ã.†Ôã.†½ã.ƒÃ ºãöãä‡ãâŠØã „¦‡ãðŠÓ›¦ãã ¹ãìÀÔ‡ãŠãÀ 2015

ü ½ã£¾ã½ã ‚ãã‡ãŠãÀ ºãö‡ãŠ ‡ãñŠ ãäÊㆠÔãÌãÃÑãñÓŸ ƒ‡ãŠãñ-›ñ‡ãŠ ÔãñÌããè ºãö‡ãŠ - ãäÌã•ãñ¦ãã

ü ½ã£¾ã½ã ‚ãã‡ãŠãÀ ºãö‡ãŠ ‡ãñŠ ãäÊㆠ½ãì³ã ¾ããñ•ã¶ãã ‡ãñŠ ¦ãÖ¦ã ÔãÌãÃÑãñÓŸ ºãö‡ãŠ - ãäÌã•ãñ¦ãã

ü ½ã£¾ã½ã ‚ãã‡ãŠãÀ ºãö‡ãŠ ‡ãñŠ ãäÊㆠ¹ãÆÌã¦ãö㠾ããñ•ã¶ãã Öñ¦ãì ÔãÌãÃÑãñÓŸ ºãö‡ãŠ - À¶ãÀ ‚ã¹ã

Settlements and resorting to legal action under SARFAESI Act and sale of financial assets in eligible accounts.

• Overseas Operations:-

As regards our overseas operations, we have eight full-fledged overseas branches – two in Hong Kong, Bangkok and Sri Lanka and one each in Singapore and South Korea. We also have remittance Centers operating at Boon Lay and Serangoon, Singapore. During August 2013, bank has upgraded the Extension Counter at Sri Lanka into a branch with due regulatory approvals increasing the number of branches at Sri Lanka to two. During August 2014, Sukhumvit, Bangkok commenced operations increasing the number of branches in Bangkok to two. The Bank’s Representative Offices are located in Guangzhou (China), Ho Chi Minh City (Vietnam) and Al Karama, (Dubai). Bank is taking up for/awaiting RBI permission for upgrading its representative office at Dubai, Vietnam and China into full fledged branches.

Ministry of Finance, Government of India has allocated the

following overseas centres for opening of overseas

JV/WOS by the Bank. 1. Thailand, 2. Vietnam, 3.Mongolia,

4. Srilanka and 5. Republic of Korea.

Our Bank has signed a joint venture agreement with Bank of

Baroda and Andhra Bank to open a Banking subsidiary in

Malaysia. The Joint venture has been duly incorporated at

Malaysia on 13.08.2010 by name “India International Bank

(Malaysia) Ltd.” BHD and the banking Joint Venture has

started functioning from July 2012.

• Pradhan Mantri Jan Dhan Yojana (PMJDY):

The Bank is implementing PMJDY as per the directives of

Govt. of India. The Scheme was launched by the Prime

Minister of India on 15th August 2014. The Bank has opened

38,62,633 BSBD Accounts and issued 37,30,544 RuPay

Debit Cards till 31st March 2016 under this scheme.

• Awards won by IOB:-

Ø Chamber of Indian Micro Small & Medium Enterprises, Delhi have given the following awards for Indian Overseas Bank in 2015-16 –

ü MSME Banking Excellence Awards 2015.

ü Best Eco-Tech Savvy Bank for Mid-Sized Bank - Winner

ü Best Bank under MUDRA Yojna for Mid-Sized Bank - Winner

ü Best Bank for Promotional Scheme for Mid-Sized Bank - Runner Up

Ø IOB In-House magazine “VANI” (Official Language)

has been given First Prize by Government of India in ‘C’

region in 2015-16.

8

Ø ÌãÓãà 2015-16 ½ãò ãäÊㆠ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ûÔãñ ‚ããƒ.‚ããñ.ºããè ‡ãŠãè ØãðÖ ¹ããä¨ã‡ãŠã `Ìãã¥ããè' (Àã•ã¼ããÓãã) ‡ãŠãñ ̀ Øã' àãñ¨ã ½ãò ¹ãÆ©ã½ã ¹ãìÀÔ‡ãŠãÀý

Ø ÌãÓãà 2015-16 ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ Ôãñ ‚ããƒ.‚ããñ.ºããè ‡ãŠãè ØãðÖ ¹ããä¨ã‡ãŠã ̀ Ìãã¥ããè' (Àã•ã¼ããÓãã) ‡ãŠãñ ãä´¦ããè¾ã ¹ãìÀÔ‡ãŠãÀ ý

Ÿ Ö½ããÀãè ¹ãÆãä¦ãºã®¦ãã†ú:

ºãö‡ãŠ ‚ã¹ã¶ãñ ½ãã‡ãóŠ› Íãñ¾ãÀ ‡ãŠãñ ºãü¤ã¶ãñ ¦ã©ãã ‚ã¹ã¶ãñ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãñŠ ½ãîʾã Ìã Êãã¼ã ‡ãŠãñ Ôãì£ããÀ¶ãñ ‡ãŠãè ãäªÍãã ½ãò „²ããñØã ‡ãñŠ ¹ãÆãä¦ã¾ããñØããè Ìã ¹ãÆãä¦ãÔ¹ã®ãê Ìãã¦ããÌãÀ¥ã ½ãò ‚ã¹ã¶ãñ ½ãã¶ãÌã ÔãâÔãã£ã¶ã ‡ãŠã ¹ãƼããÌããè „¹ã¾ããñØã ‡ãŠÀ¦ãñ Öì† ¦ã©ãã ÍããŒãã‚ããñâ ‡ãñŠ ãäÌãÔ¦ãð¦ã ¶ãñ›Ìã‡ãÊ ¦ã©ãã ¹ãÆãõ²ããñãäØã‡ãŠãè ‡ãŠã ¹ãƾããñØã ‡ãŠÀ¦ãñ Öì† Ôã¦ã¦ã Ìã Ôãã©ãÇ㊠ÔãâÌãðãä® ÖããäÔãÊã ‡ãŠÀ¶ãñ ‡ãŠã Ôãâ‡ãŠÊ¹ã Êãñ¦ãã Öõý

Ÿ ‚ãã¼ããÀãñãä‡ã‹¦ã:

½ãö ºããñ¡Ã ‡ãñŠ ÔãªÔ¾ããò, ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ¦ã©ãã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãñ „¶ã‡ãñŠ ºãÖì½ãîʾã ÔãÖ¾ããñØã Ìã ãä¶ãªóÍã¶ã ‡ãñŠ ãäÊㆠ£ã¶¾ãÌã㪠—ãããä¹ã¦ã ‡ãŠÀ¦ãã Öîúý ½ãö ‚ã¹ã¶ãñ Ôã¼ããè ØãÆãÖ‡ãŠãò ‡ãŠãñ £ã¶¾ãÌã㪠ªñ¦ãã Öîú ãä‡ãŠ „¶Öãò¶ãñ Ö½ããÀñ ¹ãÆãä¦ã ‚ã¹ã¶ãã ãäÌãÍÌããÔã ºã¶ãㆠÀŒãã ‚ããõÀ Ö½ãò „¶ã‡ãŠãè ÔãñÌãã ¦ã©ãã ‡ãŠãÀãñºããÀ Ôãâºãâ£ããò ‡ãŠãñ ãäÌã‡ãŠãäÔã¦ã ‡ãŠÀ¶ãñ ‡ãŠã ½ããõ‡ãŠã ã䪾ããý ½ãö ‚ã¹ã¶ãñ Ô›ã¹ãŠ ÔãªÔ¾ããò ‡ãŠãñ ¼ããè „¶ã‡ãñŠ Ôã½ã¹ãÃ¥ã Ìã ¹ãÆãä¦ãºã®¦ãã ‡ãñŠ ãäÊㆠÔãã£ãìÌã㪠ªñ¦ãã Öîúý Ö½ããÀñ ãäÖ¦ã£ããÀ‡ãŠãò ‡ãŠã ºãñÍã‡ãŠãè½ã¦ããè ÔãÖ¾ããñØã ¦ã©ãã „¶ã‡ãŠã Ö½ããÀñ ¹ãÆãä¦ã ãäÌãÍÌããÔã- Ö½ãò ÌãÓãà ªÀ ÌãÓãà ‚ã¹ã¶ãñ ‡ãŠãÀãñºããÀ ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠇ãŠãñ ‚ããõÀ ºãñÖ¦ãÀ ºã¶ãã¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆãñ¦Ôãããä֦㠇ãŠÀñØããý

Íãì¼ã‡ãŠã½ã¶ãã‚ããò ‡ãñŠ Ôãã©ã

‚ãã¹ã‡ãŠã,

‚ããÀ.‡ãŠãñ›ãèÔÌãÀ¶ã

¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ Ìã ½ã쌾㠇ãŠã¾ãùããÊã‡ãŠ ‚ããä£ã‡ãŠãÀãè

Ø IOB In-House magazine “VANI” (Official Language) has been given Second Prize from Reserve Bank of India in the year 2015-16.

• Our Commitment:-

The bank resolves to achieve continuous and meaningful growth by making effective use of its human resources and leveraging its large network of branches and technology amidst the competitive and challenging environment in the industry in order to expand our market share and to improve values and returns to all our stakeholders.

• Acknowledgements:-

I take this opportunity to thank the members of the Board, the Government of India and the Reserve bank of India for their valuable support and guidance. I thank all our customers for their continued patronage and the opportunity given to us to serve them and nurture business relationship. I also place on record my appreciation for the dedication and commitment put in by our staff members. The valuable support of our stakeholders and the confidence they repose on the bank will motivate us to work with renewed vigour to improve business performance year after year.

With warm regards,

Yours sincerely,

R Koteeswaran

Managing Director & Chief Executive Officer

Mar-12Mar-16

9

†‡ãŠ ¶ãû•ãÀ ½ãò

½ããÞãÃ-16 ½ããÞãÃ-15 ½ããÞãÃ-14 ½ããÞãÃ-13 ½ããÞãÃ-12ÌãõãäÍÌã‡ãŠ •ã½ãã†ú

ÜãÀñÊãî •ã½ãã†ú

ÜãÀñÊãî Ôã‡ãŠÊã •ã½ãã†ú

ÌãõãäÍÌã‡ãŠ ãä¶ãÌãÊã ‚ããäØãƽã

¹ãÆã©ããä½ã‡ãŠ¦ãã àãñ¨ã ‚ããäØãƽã

‡ãðŠãäÓã ‚ããäØãƽã

ãä¶ãÌãÊã ãä¶ãÌãñÍã

Ôã‡ãŠÊã Êãã¼ã

ãä¶ãÌãÊã Êãã¼ã/ ãä¶ãÌãÊã Öããä¶ã

At a Glance (Rs. In Crore)

Mar-15 Mar-14 Mar-13

Global Deposits

Domestic Deposits

Domestic Gross Advances

Global Net Advances

Priority Sector Advances

Agricultural Credit

Net Investments

Gross Profit

Net Profit/Net Loss

224,514

218,556

155,429

160,861

67,615

30,237

79,189

2,885

-2897

246,049

239,819

162,838

171,756

63,635

29,236

79,298

3,322

-454

227,976

219,731

161,992

175,888

58,090

26,254

70,237

3,997

602

202,135

195,457

144,894

160,364

51,056

23,393

61,417

3,817

567

178,434

172,219

125,064

140,724

42,265

19,416

55,566

3,534

1,050

224,514

218,556

155,429

160,861

67,615

30,237

79,189

2,885

-2897

246,049

239,819

162,838

171,756

63,635

29,236

79,298

3,322

-454

227,976

219,731

161,992

175,888

58,090

26,254

70,237

3,997

602

202,135

195,457

144,894

160,364

51,056

23,393

61,417

3,817

567

178,434

172,219

125,064

140,724

42,265

19,416

55,566

3,534

1,050

(Á.‡ãŠÀãñü¡ ½ãò)

NOTICE TO SHAREHOLDERSthNotice is hereby given that the 16 Annual General Meeting

of the shareholders of INDIAN OVERSEAS BANK will be thheld on Monday, 18 July 2016, at 10.00 A.M. at Rani

Seethai Hall, 603, Anna Salai, Chennai 600 006, to transact the following businesses:

1. To discuss, approve and adopt the audited Balance Sheet of the Bank as at 31st March 2016, Profit and

stLoss account of the Bank for the year ended 31 March 2016, 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.

2. To issue further shares:

To consider and if thought fit, to pass, the following Resolution as a Special Resolution:

"RESOLVED THAT pursuant to the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 (Act), The Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 (Scheme) and the Indian Overseas Bank (Shares and Meetings) Regulations, 2003 (Regulations) as amended upto 2008 and subject to the approvals, consents, permissions and sanctions, if any, of the Reserve Bank of India (“RBI”), the Government of India (“GOI”), the Securities and Exchange Board of India (“SEBI”), and / or any other authority as may be required in this regard and subject to such terms, conditions and modifications thereto as may be prescribed by them in granting such approvals and which may be agreed to by the Board of Directors of the Bank and subject to the regulations viz., SEBI(Issue of Capital and Disclosure Requirements) Regulations, 2009 (ICDR Regulations) as amended up to date/ guidelines, if any, prescribed by the RBI, SEBI, notifications/circulars and clarifications under the Banking Regulation Act, 1949, Securities and Exchange Board of India Act, 1992 and all other applicable laws and all other relevant authorities from time to time and subject to the Uniform Listing Agreements entered into with the Stock Exchanges where the equity shares of the Bank are listed, consent of the shareholders of the Bank be and is hereby accorded to the Board of Directors of the Bank (hereinafter called “the Board” which shall be deemed to include any Committee which the Board may have constituted or hereafter constitute to exercise its powers including the powers conferred by this Resolution) to create, offer, issue and allot (including with provision for reservation on firm allotment and/or competitive basis of such part of issue and for such categories of persons as may be permitted by the law then applicable) by way of an offer document/prospectus or such other document, in India or abroad, such number of equity/preference shares

Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãñ ÔãîÞã¶ãã

†¦ãªá´ãÀã ÔãîãäÞã¦ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ãä‡ãŠ ƒã䥡¾ã¶ã ‚ããñÌãÀÔããèû•ã ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè 16Ìããé ÌãããäÓãÇ㊠Ôãã½ã㶾㠺ãõŸ‡ãŠ Ôããñ½ãÌããÀ, ã䪶ããâ‡ãŠ 18 •ãìÊããƒÃ 2016 ‡ãŠãñ ÔãìºãÖ 10.00 ºã•ãñ Àã¶ããè Ôããè¦ãõ ÖãùÊã, 603, ‚㥥ãã ÔããÊãõ, Þãñ¸ãõ - 600 006, ½ãò ãä¶ã½¶ããäÊããäŒã¦ã ‡ãŠã¾ããòà Öñ¦ãì ‚ãã¾ããñãä•ã¦ã ‡ãŠãè •ãã†Øããè :

1. 31 ½ããÞãà 2016 ¦ã‡ãŠ ºãö‡ãŠ ‡ãñŠ ÊãñŒãã ¹ãÀãèãäàã¦ã ¦ãìÊã¶ã¹ã¨ã, 31 ½ããÞãà 2016 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãŠñ Êãã¼ã †Ìãâ Öããä¶ã ÊãñŒãñ, ÊãñŒãã ́ ãÀã ‡ãŠÌãÀ ‡ãŠãè ØãƒÃ ºãö‡ãŠ ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãŠãè Øããä¦ããäÌããä£ã ‚ããõÀ ‡ãŠã¾ããô ¹ãÀ ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ‡ãŠãè ãäÀ¹ããñ›Ã ‚ããõÀ ‡ãñŠ ÊãñŒãñ Ìã ¦ãìÊã¶ã¹ã¨ã ¹ãÀ ÊãñŒãã¹ãÀãèàã‡ãŠãò ‡ãŠãè ãäÀ¹ããñ›Ã ¹ãÀ ÞãÞããÃ, ½ãâ•ãîÀãè †Ìãâ „¶Öò ‚ã¹ã¶ãã¶ãñ ‡ãñŠ ãäÊã†ý

2. ‚ããØãñ ‚ããõÀ Íãñ¾ãÀãò ‡ãŠãñ û•ããÀãè ‡ãŠÀ¶ããý

ãä¶ã½¶ããäÊããäŒã¦ã Ôãâ‡ãŠÊ¹ããò ¹ãÀ ãäÌãÍãñÓã Ôãâ‡ãŠÊ¹ã ‡ãŠñ ¹㠽ãò ãäÌãÞããÀ ‡ãŠÀ¶ãã ‚ããõÀ „¹ã¾ãì‡ã‹¦ã Ôã½ã¢ãñ •ãã¶ãñ ¹ãÀ ¹ãããäÀ¦ã ‡ãŠÀ¶ãã:

"Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ãä‡ãŠ ºãö‡ãŠ‡ãŠãÀãè ‡ã⊹ã¶ããè („¹ã‰ãŠ½ããò ‡ãŠã ‚ã•ãö㠂ããõÀ ‚ãâ¦ãÀ¥ã) ‚ããä£ããä¶ã¾ã½ã 1970 (‚ããä£ããä¶ã¾ã½ã), ÀãÓ›Èãè¾ã‡ãðŠ¦ã ºãö‡ãŠ (¹ãƺãâ£ã¶ã ‚ããõÀ ãäÌããäÌã£ã ¹ãÆãÌã£ãã¶ã) ¾ããñ•ã¶ãã 1970 (¾ããñ•ã¶ãã) ‚ããõÀ ƒã䥡¾ã¶ã ‚ããñÌãÀÔããèû•ã ºãö‡ãŠ (Íãñ¾ãÀ ‚ããõÀ ºãõŸ‡ãòŠ ) ãäÌããä¶ã¾ã½ã¶ã 2003 (ãäÌããä¶ã¾ã½ã) 2008 ¦ã‡ãŠ ¾ã©ããÔãâÍããñãä£ã¦ã ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãì‰ãŠ½ã ½ãò ‚ããõÀ ƒÔã Ôãâºãâ£ã ½ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ (``‚ããÀºããè‚ããƒ''), ¼ããÀ¦ã ÔãÀ‡ãŠãÀ (``•ããè‚ããñ‚ããƒ''), ¼ããÀ¦ããè¾ã ¹ãÆãä¦ã¼ãîãä¦ã ‚ããõÀ ãäÌããä¶ã½ã¾ã ºããñ¡Ã (``Ôãñºããè'') ‚ããõÀ / ¾ãã ãä‡ãŠÔããè †ñÔãñ ‚㶾㠹ãÆããä£ã‡ãŠãÀãè ́ ãÀã, •ããñ Ìããâã䜦ã Öãñâ, ‡ãñŠ ‚ã¶ãì½ããñª¶ããò, ÔãÖ½ããä¦ã¾ããò ‚ããõÀ ½ãâ•ãîãäÀ¾ããò ‡ãŠãè Íã¦ãà ¹ãÀ ‚ããõÀ „¶ã ‚ã¶ãì½ããñª¶ããò ‡ãŠãñ ½ãâ•ãîÀãè ¹ãƪã¶ã ‡ãŠÀ¶ãñ ½ãò „¶ã‡ãñŠ ´ãÀã ¾ã©ãã ãä¶ã£ããÃãäÀ¦ã ãä¶ãºãâ£ã¶ããò, Íã¦ããô ‚ããõÀ ÔãâÍããñ£ã¶ããò ‡ãŠãè Íã¦ãà ¹ãÀ ãä•ãÔã¹ãÀ ºãö‡ãŠ ‡ãŠã ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ÔãÖ½ã¦ã Öõ ‚ããõÀ •ããñ ãäÌããä¶ã¾ã½ããò ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ½ãò Öõ - ¾ã©ãã Ôãñºããè (¹ãîú•ããè ‡ãŠã ãä¶ãØãýã¶ã ‚ããõÀ ¹ãƇ㊛ãè‡ãŠÀ¥ã ‡ãŠãè ‚ã¹ãñàãã†â) ãäÌããä¶ã¾ã½ã¶ã 2009 (‚ãムÔããè ¡ãè ‚ããÀ ãäÌããä¶ã¾ã½ã) •ãõÔãã ãä‡ãŠ ‚ãã•ã ‡ãŠãè ãä¦ããä©ã ¦ã‡ãŠ ÔãâÍããñãä£ã¦ã Öõ/ ãäªÍãããä¶ãªóÍããò, ¾ããäª ‡ãŠãñƒÃ Öõ, ‡ãŠñ ‚ã¶ãì¹ããÊã¶ã ½ãò Öõ ¦ã©ãã ¾ãÖ ãä‡ãŠ ¾ãñ ãäªÍãããä¶ãêñÍã ºãöãä‡ãâŠØã ãäÌããä¶ã¾ã½ã¶ã ‚ããä£ããä¶ã¾ã½ã 1949, ¼ããÀ¦ããè¾ã ¹ãÆãä¦ã¼ãîãä¦ã †Ìãâ ãäÌããä¶ã½ã¾ã ºããñ¡Ã ‚ããä£ããä¶ã¾ã½ã 1992 ‚ããõÀ ‚㶾ã Ôã¼ããè ÊããØãî ‡ãŠã¶ãî¶ããò Ì㠂㶾ã Ôã¼ããè Ôãâºãâãä£ã¦ã ¹ãÆããä£ã‡ãŠÀ¥ããò, •ããñ Ôã½ã¾ã Ôã½ã¾ã ¹ãÀ •ããÀãè Öãñ¦ãñ Öö, ‡ãñŠ ¦ã֦㠼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ, Ôãñºããè ‡ãŠãè ‚ããä£ãÔãîÞã¶ãã‚ããò / ¹ããäÀ¹ã¨ããò ‚ããõÀ Ô¹ãÓ›ãè‡ãŠÀ¥ããò ´ãÀã ãä¶ã£ããÃãäÀ¦ã Ööò, ‚ããõÀ •ãÖãú ºãö‡ãŠ ‡ãñŠ ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀ ãä¶ã£ããÃãäÀ¦ã Öö, ÌãÖãú ‡ãñŠ Ô›ãù‡ãŠ †‡ã‹ÔãÞãò•ããò ‡ãñŠ Ôãã©ã Öì† ¾ãîãä¶ã¹ãŠãù½ãà ãäÊããäÔ›âØã ‡ãŠÀãÀ ‡ãŠãè Íã¦ãà ¹ãÀ Ìãñ ‚ãã£ãããäÀ¦ã Öö, ºãö‡ãŠ ‡ãñŠ Íãñ¾ãÀ£ããÀ‡ãŠãò ‡ãŠãè †¦ãª©ãà Ìã †¦ãªá´ãÀã ÔãÖ½ããä¦ã ºããñ¡Ã ‡ãñŠ ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã (‚ããØãñ Ôãñ ãä•ãÔãñ "ºããñ¡Ã" ‡ãŠÖã •ãã†Øãã ‚ããõÀ ãä•ãÔã½ãò †ñÔããè ‡ãŠãñƒÃ ¼ããè Ôããä½ããä¦ã Íãããä½ãÊã ÀÖñØããè ãä•ãÔãñ ºããñ¡Ã ¶ãñ Øãã䟦ã ãä‡ãŠ¾ãã Öãñ ¾ãã ƒÔã Ôãâ‡ãŠÊ¹ã ´ãÀã ¹ãƪ¦¦ã ‚ããä£ã‡ãŠãÀãò Ôããä֦㠂ã¹ã¶ãñ ‚ããä£ã‡ãŠãÀãò ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¶ãñ Öñ¦ãì ºã㪠½ãò Øãã䟦㠇ãŠÀ¦ãã Öãñ) ‡ãŠãñ ƒÔã ‚ããÍã¾ã Ôãñ ªãè •ãã¦ããè Öõ ãä‡ãŠ Ìãñ „Ôã Ôã⌾ãã ½ãò ƒÃãä‡ã‹Ìã›ãè/ÌãÀãè¾ã¦ãã Íãñ¾ãÀãò (ÔãâãäÞã¦ã/ØãõÀ ÔãâãäÞã¦ã ) / ¹ãÆãä¦ã¼ãîãä¦ã¾ããò (ÌãÀãè¾ã¦ãã Íãñ¾ãÀãò ‡ãŠãè Ñãñ¥ããè, †ñÔãñ ÌãÀãè¾ã¦ãã Íãñ¾ãÀãò ‡ãŠãè ¹ãƦ¾ãñ‡ãŠ Ñãñ¥ããè ‡ãñŠ ãä¶ãØãý㠇ãŠãè Ôããè½ãã, ‡ã‹¾ãã Ìãñ ãä¶ãÀâ¦ãÀ Öö ¾ãã ½ããñÞã¶ããè¾ã Öö ¾ãã ‚ã½ããñÞã¶ããè¾ã Öõ, „¶ã ãä¶ãºãâ£ã¶ããò ‚ããõÀ Íã¦ããô ‡ãŠãñ ãäÌããä¶ããäªÃÓ› ‡ãŠÀ¦ãñ Öì†, ãä•ã¶ã‡ãñŠ ‚ãã£ããÀ ¹ãÀ ÌãÀãè¾ã¦ãã Íãñ¾ãÀãò ‡ãŠãè ¹ãƦ¾ãñ‡ãŠ Ñãñ¥ããè ‡ãŠã ãä¶ãØãýã¥ã ãä‡ãŠ¾ãã •ãã†Øãã - Ôãñ Ôãâºãâãä£ã¦ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã Ôã½ã¾ã-Ôã½ã¾ã ãä¶ã£ããÃãäÀ¦ã ãäªÍãã ãä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ) ‡ãŠãñ Ôãðãä•ã¦ã, ¹ãÆÔ¦ãããäÌã¦ã, ãä¶ãØãÃãä½ã¦ã Ìã ‚ããºãâã䛦ã (ãä¶ããäÍÞã¦ã ‚ããºã⛶㠹ãÀ ‚ããÀàã¥ã ‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ‚ããõÀ / ¾ãã „Ôã

10

11

(cumulative / non-cumulative) / securities (in accordance with the guidelines framed by RBI from time to time, specifying the class of preference shares , the extent of issue of each class of such preference shares , whether perpetual or redeemable and the terms & conditions subject to which each class of preference shares may be issued)of the face value of Rs.10 each and in any case not exceeding 78,81,55,925 equity shares and aggregating to not more than Rs.788,15,59,250 as on date which together with the existing Paid-up Equity share capital shall be within the total authorized capital of the bank of Rs.3000 crore, being the ceiling in the Authorised Capital of the Bank as per Section 3(2A) of the Act or to the extent of enhanced Authorised Capital as per the Amendment (if any ), that may be made to the Act in future, in such a way that the Central Government shall at all times hold not less than 52% of the paid-up Equity capital of the Bank , whether at a discount or premium to the market price, in one or more tranches, including to one or more of the members, employees of the Bank, Indian nationals, Non-Resident Indians (“NRIs”), Companies, private or public, Investment Institutions, Societies, Trusts, Research Organizations, Qualified Institutional Buyers (“QIBs”) like Foreign Institutional Investors (“FIIs”), Banks, Financial Institutions, Indian Mutual Funds, Venture Capital Funds, Foreign Venture Capital Investors, State Industrial Development Corporations, Insurance Companies, Provident Funds, Pension Funds, Development Financial Institutions or other entities, authorities or any other category of investors which are authorized to invest in equity/preference shares/securities of the Bank as per extant regulations/guidelines or any combination of the above or to institutional investors under Institutional Placement Programme as per Chapter VIII A of ICDR Regulations, as may be deemed appropriate by the Bank".

"RESOLVED FURTHER THAT such issue, offer or allotment shall be by way of public issue, rights issue, equity shares to employees through SEBI (Share based Employee Benefits)Regulations, 2014, preferential issue and/or private placement , with or without over-allotment option and that such offer, issue, placement and allotment be made as per the provisions of the Act, ICDR Regulations and all other guidelines issued by the RBI, SEBI and any other authority as applicable, and at such time or times in such manner and on such terms and conditions as the Board may, in its absolute discretion, think fit".

"RESOLVED FURTHER THAT the Board shall have the authority to decide, at such price or prices in such manner and where necessary in consultation with the lead managers and /or underwriters and /or other advisors or otherwise on such terms and conditions as the Board may, in its absolute discretion, decide in terms of ICDR Regulations, other regulations and any and all other applicable laws, rules, regulations and guidelines whether

Ôã½ã¾ã ÊããØãî ‡ãŠã¶ãî¶ã ́ ãÀã ¾ã©ãã ‚ã¶ãì½ã¦ã ̾ããä‡ã‹¦ã¾ããò ‡ãñŠ ¹ãÆÌãØããô ‚ããõÀ ãä¶ãØãý㠇ãñŠ ãä‡ãŠÔããè ãäÖÔÔãñ ‡ãñŠ ¹ãÆãä¦ãÔ¹ã£ããæ½ã‡ãŠ ‚ãã£ããÀ ÔããäÖ¦ã) ‡ãŠÀ Ôã‡ãñŠ ‚ããõÀ ¾ãÖ ‡ãŠã¾ãà ãä‡ãŠÔããè ¹ãÆÔ¦ããÌã ªÔ¦ããÌãñ•ã /¾ãã ãäÌãÌãÀãä¥ã‡ãŠã ‡ãñŠ û•ããäÀ† ¾ãã ãä¹ãŠÀ ¼ããÀ¦ã ‚ã©ãÌãã ãäÌãªñÍã ½ãò ƒÔã ¹ãƇãŠãÀ ‡ãñŠ ‚㶾㠪ԦããÌãñû•ã ‡ãñŠ û•ããäÀ† ÖãñØãã ¦ã©ãã ¹ãƦ¾ãñ‡ãŠ Íãñ¾ãÀ ‡ãŠã ‚ãâãä‡ãŠ¦ã ½ãîʾã Á.10 /- ¹ãÆãä¦ã Íãñ¾ãÀ ÖãñØãã ‚ããõÀ ãä‡ãŠÔããè ¼ããè ÖãÊã¦ã ½ãòâ ‡ãìŠÊã Íãñ¾ãÀ 78,81,55,925 ‡ãŠãè Ôã⌾ãã ‚ããõÀ Á. 788,15,59,250/- ‡ãŠÀãñü¡ ‡ãŠãè ÀããäÍã ‡ãŠã ‚ããä£ãØã½ã¶ã ¶ãÖãé ÖãñØãã Ìã ¾ãÖ ÀããäÍã ãäÌã²ã½ãã¶ã ¹ãƪ¦¦ã ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀ ¹ãîâ•ããè ‡ãñŠ Ôãã©ã Á.3000 ‡ãŠÀãñü¡ ‡ãŠãè ºãö‡ãŠ ‡ãŠãè ‡ãìŠÊã ¹ãÆããä£ã‡ãðŠ¦ã ¹ãùîâ•ããè ½ãò ‚ããä£ããä¶ã¾ã½ã ‡ãŠãè £ããÀã 3 (2†) ‡ãñŠ ‚ã¶ãìÔããÀ ¾ãã ãä¹ãŠÀ „Ôã ÔãâÍããñ£ã¶ã (¾ããäª ‡ãŠãñƒÃ Öãñ) ‡ãñŠ ‚ã¶ãìÔããÀ, •ããñ ¼ããäÌãӾ㠽ãò ‚ããä£ããä¶ã¾ã½ã ºã¶ã Ôã‡ãŠ¦ãã Öõ, ºãü¤ãƒÃ ØãƒÃ ¹ãÆããä£ã‡ãðŠ¦ã ¹ãîú•ããè ‡ãŠãè Öª ¦ã‡ãŠ, ãä¶ã£ããÃãäÀ¦ã ÔããèãäÊãâØã Öõ, ÌãÖ ¼ããè ƒÔã ¦ãÀÖ ãä‡ãŠ ‡ãñŠ¶³ãè¾ã ÔãÀ‡ãŠãÀ ‡ãŠã ºãö‡ãŠ ‡ãŠãè ¹ãƪ¦¦ã ƒÃãä‡ã‹Ìã›ãè ¹ãîú•ããè ½ãò £ããÀ¥ã Ôã¼ããè Ôã½ã¾ã 52% Ôãñ ‡ãŠ½ã ¶ãÖãé ÀÖñØãã, ÞããÖñ ÌãÖ †‡ãŠ ¾ãã ‚ããä£ã‡ãŠ ¼ããØããò ½ãò Öãñ ‚ããõÀ ÞããÖñ ºã›á›ñ ¹ãÀ Öãñ ¾ãã ¹ãÆãèãä½ã¾ã½ã ªÀ ¹ãÀ ¾ãã ãä¹ãŠÀ ºãã•ããÀ ªÀ ¹ãÀ, •ãÖãú ‚ããºã⛶㠆‡ãŠ ¾ãã „ÔãÔãñ ‚ããä£ã‡ãŠ ÔãªÔ¾ããò, ºãö‡ãŠ ‡ãñŠ ‡ãŠ½ãÃÞãããäÀ¾ããò, ¼ããÀ¦ããè¾ã ¶ããØããäÀ‡ãŠãò, ‚ããä¶ãÌããÔããè ¼ããÀ¦ããè¾ããò ("†¶ã‚ããÀ‚ããƒ"), ãä¶ã•ããè Ìã ÔããÌãÕããä¶ã‡ãŠ ‡ã⊹ããä¶ã¾ããò, ãä¶ãÌãñÍã‡ãŠ ÔãâÔ©ãã‚ããò, ÔãâÜããò, ¶¾ããÔããò, Íããñ£ã ÔãâØ㟶ããò, ¾ããñؾã ÔãâÔ©ããØã¦ã ŒãÀãèªãÀãò ("‡ã‹¾ãî‚ãヺããè") •ãõÔãñ ãäÌãªñÍããè ÔãâÔ©ããØã¦ã ãä¶ãÌãñÍã‡ãŠ ("†¹ãŠ‚ãヂããƒ"), ºãö‡ãŠ, ãäÌ㦦ããè¾ã ÔãâÔ©ãã‚ããò, ¼ããÀ¦ããè¾ã ½¾ãîÞãì‚ãÊã ãä¶ããä£ã¾ããò, „²ã½ããè ¹ãùîâ•ããèØã¦ã ãä¶ããä£ã¾ããò, ãäÌãªñÍããè „²ã½ã ¹ãîú•ããè ãä¶ãÌãñÍã‡ãŠãò, À㕾㠂ããõ²ããñãäØã‡ãŠ ãäÌã‡ãŠãÔã ãä¶ãØã½ããò, ºããè½ãã ‡ã⊹ããä¶ã¾ããò, ¼ããäÌãÓ¾ã ãä¶ããä£ã¾ããò, ¹ãòÍã¶ã ãä¶ããä£ã¾ããò, ãäÌã‡ãŠãÔã ãäÌ㦦ããè¾ã ÔãâÔ©ãã‚ããò ¾ã㠂㶾㠃‡ãŠãƒ¾ããò, ¹ãÆããä£ã‡ãŠÀ¥ããò ¾ãã ãä¶ãÌãñÍã‡ãŠãò ‡ãñŠ ãä‡ãŠÔããè †ñÔãñ ¹ãÆÌãØãà ‡ãŠãñ ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã Öõ, ãä•ã¶Öò ºãö‡ãŠ ́ ãÀã •ãõÔãñ ÌãÖ „ãäÞã¦ã Ôã½ã¢ãñ „Ôã ¹㠽ãò „‡ã‹¦ã ½ãò Ôãñ ãä‡ãŠÔããè ‡ãŠãñ ¾ãã Ôãâ¾ãì‡ã‹¦ã ¹㠽ãò ãäÌã²ã½ãã¶ã ãäÌããä¶ã¾ã½ããò /ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ¾ãã ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ããò ‡ãñŠ Þãõ¹›À VIII † ‡ãñŠ ‚ã¶ãìÔããÀ ÔãâÔ©ããØã¦ã Ô©ãã¶ã¶ã ‡ãŠã¾ãÉ㊽㠇ãñŠ ‚ãâ¦ãØãæã ÔãâÔ©ããØã¦ã ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãñ ºãö‡ãŠ ‡ãñŠ ƒãä‡ã‹Ìã›ãè/ÌãÀãè¾ã¦ãã Íãñ¾ãÀãò / ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ½ãò ãä¶ãÌãñÍã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆããä£ã‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý"

" ¾ãÖ ¼ããè Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã ãä‡ãŠ †ñÔãã ãä¶ãØãýã, ¹ãÆÔ¦ããÌã ¾ãã ‚ããºã⛶ã ÔããÌãÕããä¶ã‡ãŠ ãä¶ãØãýã, Àホ ãä¶ãØãýã, Ôãñºããè ‡ãñŠ ãäÌããä¶ã¾ã½ã (Íãñ¾ãÀ ‚ãã£ãããäÀ¦ã ‡ãŠ½ãÃÞããÀãè Êãã¼ã), 2014 ("Ôãñºããè ãäÌããä¶ã¾ã½ã") ‡ãñŠ •ããäÀ† ‡ãŠ½ãÃÞãããäÀ¾ããò ‡ãŠãñ ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ ¾ãã †ñÔã㠂㶾ã ãä¶ãØãý㠕ããñ ãä‡ãŠ ÊããØãî ãäÌããä£ã ́ ãÀã „¹ãÊ㺣ã ãä‡ãŠ¾ãã •ãã Ôã‡ãñŠ, ‚ããä£ã½ãã¶ã ãä¶ãØãý㠇ãñŠ û•ããäÀ† ‚ããõÀ / ¾ãã ãä¶ã•ããè Ô©ãã¶ã¶ã ‡ãñŠ ‚ãã£ããÀ ¹ãÀ ‚ããä¦ã ‚ããºã⛶ã ãäÌã‡ãŠÊ¹ã Ôããä֦㠾ãã ãäÌã‡ãŠÊ¹ã ÀãäÖ¦ã ãä‡ãŠ¾ãã •ãã†Øãã ‚ããõÀ ƒÔã ¦ãÀÖ ‡ãŠã ¹ãÆÔ¦ããÌã, ãä¶ãØãýã, Ô©ãã¶ã¶ã ‚ããõÀ ‚ããºã⛶㠂ããä£ããä¶ã¾ã½ã, ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ã ‚ããõÀ ¼ãã.ãäÀ.ºãö, Ôãñºããè ´ãÀã •ããÀãè Ôã¼ããè ‚ã¶¾ã ãäªÍãããä¶ãªóÍãò ¦ã©ãã ÊããØãî ‚ã¶ãìÔããÀ ãä‡ãŠÔããè ‚ã¶¾ã ¹ãÆããä£ã‡ãŠããäÀ¾ããò ‡ãñŠ ãäªÍãããä¶ãªóÍããò ‚ããõÀ †ñÔããè ¹ã®ãä¦ã ½ãò, †ñÔãñ Ôã½ã¾ã ¾ãã Ôã½ã¾ããò ¹ãÀ ‚ããõÀ †ñÔãñ ãä¶ãºãâ£ã¶ããò Ìã Íã¦ããô ¹ãÀ ãä‡ãŠ¾ãã •ãã†Øãã, •ããñ ºããñ¡Ã ‚ã¹ã¶ãñ ¹ãî¥ãà ãäÌãÌãñ‡ãŠããä£ã‡ãŠãÀ ‡ãñŠ ¦ã֦㠄ãäÞã¦ã Ôã½ã¢ã¦ãã Öãñ ý"

``¾ãÖ ¼ããè Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã ãä‡ãŠ ‚ãØãÆ¥ããè ¹ãƺãâ£ã‡ãŠãò ‚ããõÀ/¾ãã ‚ã£ããñÊãñŒã‡ãŠãò ‚ããõÀ/¾ã㠂㶾ã ÔãÊããÖ‡ãŠãÀãò ‚ã©ãÌã㠂㶾ã©ãã ‡ãñŠ Ôãã©ã •ãÖãú ‚ããÌã;ã‡ãŠ Öãñ ÌãÖãù ¹ãÀã½ãÍãà ‡ãŠÀ‡ãñŠ †ñÔãñ ãä‡ãŠÔããè ¹㠽ãò ãä•ãÔãñ ÌãÖ „ãäÞã¦ã Ôã½ã¢ãñ, †ñÔãñ ½ãîʾ㠾ãã ½ãîʾããò ‡ãŠãñ ãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãñ ‡ãŠã ¹ãÆããä£ã‡ãŠãÀ ºããñ¡Ã ‡ãŠãñ ÖãñØãã, ‚ããõÀ „¶ã ãä¶ãºãâ£ã¶ããò ‚ããõÀ Íã¦ããô ¹ãÀ ÖãñØãã, ãä•ã¶Öò ºããñ¡Ã ‚ã¹ã¶ãñ ¹ãî¥ãà ãäÌãÌãñ‡ãŠããä£ã‡ãŠãÀ ‡ãñŠ ¦ã֦㠂ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ããò, ‚㶾ã ãäÌããä¶ã¾ã½ã¶ããò ‚ã©ãÌã㠂㶾ã Ôã¼ããè ÊããØãî ‡ãŠã¶ãî¶ããò, ãä¶ã¾ã½ããò, ãäÌããä¶ã¾ã½ã¶ããò ‚ããõÀ ãäªÍãããä¶ãªóÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ãä¶ããäÍÞã¦ã ‡ãŠÀ¦ãã Öõ ÞããÖñ †ñÔãñ

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or not such investor(s) are existing members of the Bank, at a price not less than the price as determined in accordance with relevant provisions of ICDR Regulations".

"RESOLVED FURTHER THAT in accordance with the provisions of the Uniform Listing Agreements entered into with relevant stock exchanges, the provisions of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, (“LODR”) the provisions of Act, the provisions of Regulations, the provisions of ICDR Regulations, the provisions of the Foreign Exchange Management Act, 1999 and the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident Outside India) Regulations, 2000, and subject to requisite approvals, consents, permissions and/or sanctions of SEBI, Stock Exchanges, RBI, Foreign Investment Promotion Board (FIPB), Department of Industrial Policy and Promotion, Ministry of Commerce (DIPP ) and all other authorities as may be required (hereinafter collectively referred to as “the Appropriate Authorities”) and subject to such conditions as may be prescribed by any of them while granting any such approval, consent, permission and/or sanction (hereinafter referred to as “the requisite approvals”) the Board may, at its absolute discretion, issue, offer and allot, from time to time in one or more tranches, equity shares or any securities other than warrants, in such a way that the Central Government at any time holds not less than 52% of the Equity Capital of the Bank, to QIBs (as defined in Chapter VIII of the ICDR Regulations) pursuant to a qualified institutions placement (QIP) as provided for under Chapter VIII of the ICDR Regulations, and / or Institutional Investors pursuant to Institutional Placement Programme (IPP), as provided for under Chapter VIIIA of the ICDR Regulations through a placement document and/or such other documents / writings / circulars / memoranda and in such manner and on such price, terms and conditions as may be determined by the Board in accordance with the ICDR Regulations or other provisions of the law as may be prevailing at that time; provided the price inclusive of the premium of the equity shares so issued shall not be less than the price arrived in accordance with the relevant provisions of ICDR Regulations".

"RESOLVED FURTHER THAT in case of a QIP made pursuant to Chapter VIII of the ICDR Regulations, the allotment of Securities shall only be to QIBs within the meaning of Chapter VIII of the ICDR Regulations, such Securities shall be fully paid-up and the allotment of such Securities shall be completed within 12 months from the date of passing of this resolution".

“RESOLVED FURTHER THAT in case of QIP issue, the Bank in pursuance to proviso to Regulation 85(1) of ICDR Regulations is authorized to offer shares at a discount as

ãä¶ãÌãñÍã‡ãŠ ºãö‡ãŠ ‡ãñŠ Ìã¦ãýãã¶ã ÔãªÔ¾ã Öãò ãä‡ãŠ ¶ãÖãé ‚ããõÀ ½ãîʾ㠇ãŠã ãä¶ã¾ã¦ã¶ã ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ããò ‡ãñŠ Ôãâºãâãä£ã¦ã ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ¦ãÖ¦ã ãä¶ã£ããÃãäÀ¦ã ½ãîʾã Ôãñ ‡ãŠ½ã ¹ãÀ ¶ãÖãé ÖãñØãã ý"" ‚ããØãñ ¾ãÖ ¼ããè Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã ãä‡ãŠ Ôãâºãâãä£ã¦ã Ô›ãù‡ãŠ †‡ã‹ÔãÞãò•ããò ‡ãñŠ Ôãã©ã Öì† ¾ãîãä¶ã¹ãŠãù½ãà ãäÊããäÔ›âØã ‡ãŠÀãÀ ‡ãñŠ ¹ãÆãÌã£ãã¶ããò, ¼ããÀ¦ããè¾ã ¹ãÆãä¦ã¼ãîãä¦ã †Ìãâ ãäÌããä¶ã½ã¾ã ºããñ¡Ã ‡ãñŠ ¹ãÆãÌã£ãã¶ããò (ãäÊããäÔ›âØã ºã㣾ã¦ãã†â Ìã ¹ãƇ㊛ãè‡ãŠÀ¥ã ‚ã¹ãñàãã†â) ãäÌããä¶ã¾ã½ã 2015, ("†Êã‚ããñ¡ãè‚ããÀ"), ‚ããä£ããä¶ã¾ã½ã ‡ãñŠ ¹ãÆãÌã£ãã¶ããò, ãäÌããä¶ã¾ã½ã ‡ãñŠ ¹ãÆãÌã£ãã¶ããò, ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ã ‡ãñŠ ¹ãÆãÌã£ãã¶ããò, ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã ¹ãƺãâ£ã¶ã ‚ããä£ããä¶ã¾ã½ã 1999 ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‚ããõÀ ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã ¹ãƺãâ£ã¶ã (¼ããÀ¦ã Ôãñ ºããÖÀ ÀÖ¶ãñÌããÊãñ ̾ããä‡ã‹¦ã ́ ãÀã ¹ãÆãä¦ã¼ãîãä¦ã ‡ãŠã ‚ãâ¦ãÀ¥ã ¾ãã ãä¶ãØãýã¶ã) ãäÌããä¶ã¾ã½ã¶ã 2000 ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ ¦ã©ãã ¼ããÀ¦ããè¾ã ¹ãÆãä¦ã¼ãîãä¦ã †Ìãâ ãäÌããä¶ã½ã¾ã ºããñ¡Ã (Ôãñºããè), Ô›ùã‡ãŠ †‡ã‹ÔãÞãò•ããò, ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ (‚ããÀºããè‚ããƒ), ãäÌãªñÍããè ãä¶ãÌãñÍã ¹ãÆãñ¦Ôããֶ㠺ããñ¡Ã (†¹ãŠ‚ãヹããèºããè), ‚ããõ²ããñãäØã‡ãŠ ¶ããèãä¦ã Ìã ¹ãÆãñ¦ÔããÖ¶ã ãäÌã¼ããØã, (¡ãè‚ãヹããè¹ããè) Ìãããä¥ã•¾ã ½ãâ¨ããÊã¾ã ‚ããõÀ ¾ã©ãã Ìããâã䜦㠂ã¶ãìÔããÀ ‚㶾ã Ôã¼ããè ¹ãÆããä£ã‡ãŠããäÀ¾ããò (‚ããØãñ ãä•ã¶ã‡ãŠã "Ôã½ãìãäÞã¦ã ¹ãÆããä£ã‡ãŠãÀãèØã¥ã" ‡ãñŠ ¹㠽ãò Ôã⪼ãà ãäÊã¾ãã •ãã†Øãã) ã䪾ãñ •ãã¶ãñ ÌããÊãñ ‚ããÌã;ã‡ãŠ ‚ã¶ãì½ããñª¶ããò, ÔãÖ½ããä¦ã¾ããò, ‚ã¶ãì½ããä¦ã¾ããò ‚ããõÀ / ¾ãã ½ãâ•ãîãäÀ¾ããò, ‡ãŠãè Íã¦ãà ¹ãÀ ‚ããõÀ „¶ã Íã¦ããóâ ¹ãÀ •ããñãä‡ãŠ †ñÔãñ ‚ã¶ãì½ããñª¶ã, †ñÔããè ÔãÖ½ããä¦ã, ‚ã¶ãì½ããä¦ã ‚ããõÀ/¾ãã ½ãâ•ãîÀãè ( ‚ããØãñ Ôãñ ãä•ãÔãñ "‚ã¹ãñãäàã¦ã ‚ã¶ãì½ããñª¶ã'' ‡ãŠÖã •ãã†Øãã) ¹ãƪã¶ã ‡ãŠÀ¦ãñ Ôã½ã¾ã „¶ã½ãò Ôãñ ãä‡ãŠÔããè ‡ãñŠ ¼ããè ́ ãÀã ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ¾ãñ •ãã¦ãñ Öö ¦ã©ãã ãä•ã¶Öò ºããñ¡Ã ‚ã¹ã¶ãñ ¹ãî¥ãà ãäÌãÌãñ‡ãŠããä£ã‡ãŠãÀ ‡ãñŠ ¦ãÖ¦ã ãä¶ããäÍÞã¦ã ‡ãŠÀ¦ãã Öõ, ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ¾ãã ãä‡ãŠ¶Öãè ¼ããè ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠãñ †‡ãŠ ¾ãã ‚ããä£ã‡ãŠ ãä‡ãŠÔ¦ããò ½ãò Ôã½ã¾ã Ôã½ã¾ã ¹ãÀ ãä¶ãØãÃãä½ã¦ã ¹ãÆÔ¦ãããäÌã¦ã ¦ã©ãã ‚ããºãâã䛦ã ãä‡ãŠ¾ãã •ãã Ôã‡ãŠ¦ãã Öõ ‡ãñŠÌãÊã „¶ã ÌããÀâ›ãò ‡ãŠãñ œãñü¡‡ãŠÀ •ããñ ºã㪠‡ãŠãè ãä¦ããä©ã ½ãò ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãñŠ Ôãã©ã ãäÌããä¶ã½ããä¾ã¦ã ãä‡ãŠ¾ãñ •ãã Ôã‡ãŠ¦ãñ Öõ ¾ãã ¹ããäÀÌããä¦ãæã ãä‡ãŠ¾ãñ •ãã Ôã‡ãŠ¦ãñ Öö, ÌãÖ ¼ããè ƒÔã ¦ãÀÖ ãä‡ãŠ ãä‡ãŠÔããè ¼ããè Ôã½ã¾ã ‡ãñŠ¶³ãè¾ã ÔãÀ‡ãŠãÀ ‡ãŠã £ããÀ¥ã ºãö‡ãŠ ‡ãŠãè ƒÃãä‡ã‹Ìã›ãè ¹ãïâ•ããè ½ãò 52% Ôãñ ‡ãŠ½ã ¶ã Öãñ ‚ããõÀ ¾ãÖ Ô©ãã¶ã¶ã ¾ãã ‚ããºã⛶㠇㋾ãî‚ããƒãäºã¾ããò (‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ã ‡ãñŠ ‚㣾ãã¾ã VIII ½ãò ¹ããäÀ¼ãããäÓã¦ã ‚ã¶ãìÔããÀ) ‡ãŠãñ, ¾ããñؾã¦ãã¹ãÆ㹦ã ÔãâÔ©ã㦽ã‡ãŠ Ô©ãã¶ã¶ã (‡ã‹¾ãî‚ãヹããè) Öãñ¶ãñ ‡ãñŠ ‚ã¶ãì‰ãŠ½ã ½ãò •ãõÔãã ãä‡ãŠ ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ã ‡ãñŠ ‚㣾ãã¾ã VIII ‡ãñŠ ¦ã֦㠹ãÆãÌã£ãããä¶ã¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõ ‚ããõÀ/ ¾ãã ÔãâÔ©ãã¶ã¶ã Ô©ãã¶ã¶ã ‡ãŠã¾ãÉ㊽ã (‚ãヹããè¹ããè) ‡ãñŠ ‚ã¶ãìÔãÀ¥ã ½ãò •ãõÔãã ãä‡ãŠ ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ããò ‡ãñŠ ‚㣾ãã¾ã VIII† ½ãò ¹ãƪã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ, ãä‡ãŠÔããè Ô©ãã¶ã¶ã ªÔ¦ããÌãñû•ã ‚ããõÀ/¾ãã †ñÔãñ ‚㶾㠪ԦããÌãñû•ããò / ÊãñŒã¶ããò / ¹ããäÀ¹ã¨ããò / —ãã¹ã¶ããò ‡ãñŠ ´ãÀã ¦ã©ãã †ñÔãñ ¹㠽ãò ‚ããõÀ †ñÔãñ ½ãîʾ㠹ãÀ, ãä¶ãºãâ£ã¶ããò ‚ããõÀ Íã¦ããô ¹ãÀ , •ããñ ãä‡ãŠ ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ ¾ãã ‡ãŠã¶ãî¶ã ‡ãñŠ „¶ã ‚㶾㠹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ •ããñ ãä‡ãŠ „Ôã Ôã½ã¾ã ãäÌã²ã½ãã¶ã Öõ, ºããñ¡Ã ´ãÀã ãä¶ããäÍÞã¦ã ãä‡ãŠ¾ãñ Øã¾ãñ Öõâ, ºãÍã¦ãó ƒÔã ¹ãƇãŠãÀ ãä¶ãØãÃãä½ã¦ã ƒÃãä‡ã‹Ìã›ãè Íãñ¾ãÀãò ‡ãŠã ¹ãÆãèãä½ã¾ã½ã Ôããä֦㠽ãîʾ㠂ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ããò ‡ãñŠ Ôãâºãâãä£ã¦ã ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ ãä¶ã£ããÃãäÀ¦ã ½ãîʾã Ôãñ ‡ãŠ½ã ¶ã Öãñ ý" "¾ãÖ ¼ããè Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã ãä‡ãŠ Ô›ãù‡ãŠ †‡ã‹ÔãÞãò•ããò ‡ãñŠ Ôãã©ã ãä‡ãŠ† ØㆠÔãîÞããè ‡ãŠÀãÀ ‡ãñŠ ¹ãÆãÌã£ãã¶ããñâ ‡ãñŠ ‚ã¶ãìÔããÀ ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ã ‡ãñŠ ‚㣾ãã¾ã VIII ‡ãñŠ ‰ãŠ½ã ½ãò ¾ããñؾã¦ãã¹ãÆ㹦ã ÔãâÔ©ããØã¦ã Ô©ãã¶ã¶ã ‡ãñŠ ½ãã½ãÊãñ ½ãò ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠã ‚ããºã⛶㠂ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ããò ‡ãñŠ ‚㣾ãã¾ã VIII ‡ãŠãè ¹ããäÀ¼ããÓãã ‡ãñŠ ¼ããè¦ãÀ Öãè ¾ããñؾã¦ãã¹ãÆ㹦ã ÔãâÔ©ããØã¦ã ŒãÀã說ãÀãò ‡ãŠãñ ãä‡ãŠ¾ãã •ãã†Øãã ‚ããõÀ †ñÔããè ¹ãÆãä¦ã¼ãîãä¦ã¾ããú ¹ãî¥ãæã: ¹ãƪ¦¦ã ÖãòØããè ‚ããõÀ ƒ¶ã ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠã ‚ããºã⛶ã Ôãâ‡ãŠÊ¹ã ‡ãŠãè ãä¦ããä©ã Ôãñ 12 ½ãÖãè¶ããò ‡ãñŠ ¼ããè¦ãÀ ¹ãîÀã ‡ãŠÀ ãäÊã¾ãã •ãã†Øãã ý"

"¾ãÖ ¼ããè Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã ãä‡ãŠ ‡ã‹¾ãî‚ãヹããè ãä¶ãØãý㠇ãñŠ ½ãã½ãÊãñ ½ãò ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ‡ãŠñ ÍãìÁ‚ãã¦ããè ½ãîʾ㠹ãÀ ¹ããúÞã ¹ãÆãä¦ãÍã¦ã Ôãñ ‚ã¶ããä£ã‡ãŠ ‡ãŠãè œî› ¹ãÀ ‚ããƒÔããè¡ãè‚ããÀ

13

prescribed by ICDR Regulations from time to time and relevant date for the determination of the floor price of the securities shall be in accordance with the ICDR Regulations".

“RESOLVED FURTHER THAT subject to any approval, consent, permission and/or sanction of GOl, SEBl, RBI and the stock exchanges, as may be required and subject to all other necessary approvals, permissions, consents and/or sanctions of concerned statutory and other relevant authorities and subject to such terms, conditions and modifications thereto as may be prescribed by any of them while granting such approvals, permissions, consents and sanctions and which may be agreed to by the Board, consent, authority and approval is hereby accorded to the Board to create, offer, issue and allot equity shares of face value of Rs.10 each (the "Equity Shares") by way of fresh issue of Equity Shares through an Institutional Placement Programme ("IPP") to qualified institutional buyers In accordance with Chapter VIIIA of the SEBI ICDR Regulations, such that the total number of Equity Shares held by the 'public' (as defined in the Securities Contracts (Regulation) Rules, 1957 as amended ("SCRR")), immediately at the completion of such offerings does not exceed 25 percent of the total number of outstanding Equity Shares as at the date of allotment of such Securities, including pari passu clause for dividend entitlement, as may be applicable."

"RESOLVED FURTHER THAT the Board shall have the authority and power to accept any modification in the proposal as may be required or imposed by the GOI / RBI / SEBI/Stock Exchanges where the shares of the Bank are listed or such other appropriate authorities at the time of according / granting their approvals, consents, permissions and sanctions to issue, allotment and listing thereof and as agreed to by the Board and no further approvals in this regard would be required from the shareholders of the Bank".

"RESOLVED FURTHER THAT the issue and allotment of new equity shares / securities , shall be subject to the Regulations as amended and shall rank in all respects pari passu with the existing equity shares of the Bank including dividend declared, if any, in accordance with the statutory guidelines that are in force at the time of such declaration and such issue and allotment, if any, to NRIs, FIIs and/or other eligible foreign investors be subject to the approval of the RBI under the Foreign Exchange Management Act, 1999 as may be applicable but within the overall limits set forth under the Act".

"RESOLVED FURTHER THAT the Board be and is hereby authorized to enter into and execute all such arrangements with any Book Runner(s), Lead Manager(s), Banker(s), Underwriter(s), Depository (ies), Registrar(s), Auditor(s) and all such agencies, to remunerate all such institutions and agencies by way of commission, brokerage, fees or the

ãäÌããä¶ã¾ã½ã¶ã ‡ãñŠ ãäÌããä¶ã¾ã½ã 85(1) ‡ãñŠ ¹ãÆãÌã£ãã¶ããò ‡ãñŠ ‚ã¶ãì¹ããÊã¶ã ½ãò ºãö‡ãŠ Íãñ¾ãÀ ªñ¶ãñ ‡ãŠãñ ¹ãÆããä£ã‡ãðŠ¦ã Öõ ¦ã©ãã ¹ãÆãä¦ã¼ãîãä¦ã¾ããñ ‡ãñŠ ÍãìÁ‚ãã¦ããè ½ãîʾã ãä¶ã£ããÃÀ¥ã ‡ãŠãè Ôãâºãâãä£ã¦ã ãä¦ããä©ã ‡ãŠãñ ‚ããƒÔããè¡ãè‚ããÀ ãäÌããä¶ã¾ã½ã¶ããò ‡ãñŠ ‚ã¶ãìÔããÀ ÀŒãã •ãã†Øãã ý "

``¾ãÖ ¼ããè Ôãâ‡ãŠÊ¹ã ãä‡ãŠ¾ãã Øã¾ãã ãä‡ãŠ ãä‡ãŠÔããè ½ãâ•ãîÀãè, Öã½ããè, ÔÌããè‡ãŠðãä¦ã ‚ããõÀ / ¾ãã ¼ããÀ¦ã ÔãÀ‡ãŠãÀ, Ôãñºããè, ¼ãã.ãäÀ.ºãö. ‚ããõÀ Ô›ãù‡ãŠ †‡ã‹ÔãÞãò•ããò ‡ãŠãè ½ãâ•ãîÀãè ‡ãŠãè Íã¦ãà ¹ãÀ, •ããñ ¼ããè ‚ã¹ãñãäàã¦ã Öãñ ‚ããõÀ Ôã¼ããè ‚ã¶¾ã ‚ããÌã;ã‡ãŠ ½ãâ•ãîãäÀ¾ããò, ‚ã¶ãì½ããä¦ã¾ããò, ÔãÖ½ããä¦ã¾ããò ‡ãŠãè Íã¦ãà ¹ãÀ ‚ããõÀ / ¾ãã Ô㽺ãã䶣ã¦ã ÔããâãäÌããä£ã‡ãŠ †Ìã⠂㶾㠄ãäÞã¦ã ¹ãÆããä£ã‡ãŠããäÀ¾ããò ‡ãŠãè ½ãâ•ãîÀãè ‚ããõÀ „Ôã½ãò †ñÔãñ ãä¶ã¾ã½ããò, Íã¦ããô ‚ããõÀ ‚ããÍããñ£ã¶ããò ‡ãŠãè Íã¦ãà ¹ãÀ •ããñ ƒ¶ã½ãò Ôãñ ãä‡ãŠÔããè ‡ãñŠ ¼ããè ́ ãÀã ãä¶ã£ããÃãäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öãñ •ããñ †ñÔããè ÔÌããè‡ãðŠãä¦ã¾ããò, ‚ã¶ãì½ããä¦ã¾ããò, Öããä½ã¾ããò ‚ããõÀ ½ãâ•ãîãäÀ¾ããò ‡ãŠãñ ªñ¦ãñ Öì† ¹ãƪã¶ã ‡ãŠãè ØãƒÃ Öãò ãä•ãÔã ¹ãÀ