-
AN
NU
AL R
EP
OR
T 2
016-1
72016-17ANNUAL REPORT
TRANSFORMING
AGGRESSIVELY PERFORMING
PROGRESSIVELY
HeÏKej©HeeblejCe
meleleeqkeJeÀeme
-
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017 1
¢¨¸«¸¡¸ ¬¸»¸ú
œ¸¼«“
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸
......................................................03
¨¸«¸Ä 2015-16 ˆÅú œÏŸ¸º‰¸ ¤¸¸÷¸Ê
......................................13
Ÿ¸íœ¸»µ¸Ä ¢¨¸î¸ú¡¸ ¬¸»¸ˆÅ
...........................................15
¬¸»¸›¸¸
.................................................................17
¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä
................................................24
œÏ¤¸¿š¸ˆÅú¡¸ œ¸¢£¸¸¸Ä ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸
................................29
ˆÅ¸œ¸¸½Ä£½’ Š¸¨¸›¸½ô¬¸ ¢£œ¸¸½’Ä
............................................45
¬¨¸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä
................................74
÷¸º¥¸›¸-œ¸°¸
............................................................76
¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¥¸½‰¸¸
................................................77
‚›¸º¬¸»¢¸¡¸¸¿ 1 ¬¸½ 18
................................................78
›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸
............................................. 118
¬¨¸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä
.............................. 120
¬¸Ÿ¸½¢ˆÅ÷¸ ÷¸º¥¸›¸-œ¸°¸
............................................... 122
¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¥¸½‰¸¸
.................................. 123
¬¸Ÿ¸½¢ˆÅ÷¸ ‚›¸º¬¸»¢¸¡¸¸¿ 1 ¬¸½ 18
................................... 124
¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸
.................................. 146
¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸
.................................................... 148
ˆÅ¸£¸½¤¸¸£ú „™¸¢¡¸÷¨¸ ¢£œ¸¸½’Ä 2015-16 .....................
149
¥¸¸ž¸¸¿©¸ ‚¢š¸™½©¸
ûŸÁŸ¸Ä............................................ 319
œÏ¸½Æ¬¸ú ûŸÁŸ¸Ä (ûŸÁŸ¸Ä `¤¸ú')
......................................... 321
í¢£÷¸ œ¸í¥¸ - ©¸½¡¸£ š¸¸£ˆÅ¸½¿ ¬¸½ ‚œ¸ú¥¸
......................... 323
CONTENTS
Page
Board of Directors
............................................03
Highlights of 2015-16
.......................................14
Key Financial Indicators
.................................167
Notice
.............................................................169
Directors' Report
............................................177
Management Discussion and Analysis..........182
Corporate Governance Report ......................201
Independent Auditors Report ........................230
Balance Sheet
................................................232
Profit & Loss Account
....................................233
Schedules 1 to 18
..........................................234
Cash Flow Statement .....................................270
Independent Auditors Report ........................272
Consolidated Balance Sheet .........................274
Consolidated Profit & Loss Account ..............275
Consolidated Schedules 1 to 18 ...................276
Consolidated Cash Flow Statement ..............297
Risk Management
..........................................299
Business Responsibility Report 2015-16 .......300
Dividend Mandate Form ................................320
Proxy Form (Form 'B')
....................................322
Green Initiative - Appeal to Shareholders ......323
-
2 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ž¸¨¸›¸
239, ¢¨¸š¸¸›¸ ž¸¨¸›¸ Ÿ¸¸Š¸Ä,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’,
Ÿ¸º¿¤¸ƒÄ - 400 021.
ˆÊÅÍú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ž¸¨¸›¸,
239, ¢¨¸š¸¸›¸ ž¸¨¸›¸ Ÿ¸¸Š¸Ä,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’,
Ÿ¸º¿¤¸ƒÄ - 400 021.
¢›¸¨¸½©¸ˆÅ ¬¸½¨¸¸¡¸½¿ œÏž¸¸Š¸¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ž¸¨¸›¸,
239, ¢¨¸š¸¸›¸ ž¸¨¸›¸ Ÿ¸¸Š¸Ä,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’,
Ÿ¸º¿¤¸ƒÄ - 400 021.
£¢¸¬’︣ ‡¨¸¿ ©¸½¡¸£ ’︿¬¸œ¸€£ ‡¸Ê’”¸’¸Ÿ¸¾¢’Ƭ¸
ûŸ¡¸›¸¸¿¢©¸¡¸¥¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸.
œ¥¸¸Á’ ÇÅ. ¤¸ú- 5, œ¸¸’Ä ¤¸ú,
ÇŸÁ¬¸ ¥¸½›¸, ‡Ÿ¸. ‚¸ƒÄ. ”ú.¬¸ú., Ÿ¸£¸½¥¸,
‚¿š¸½£ú (œ¸»¨¸Ä), Ÿ¸º¿¤¸ƒÄ-400 093.
Head Office
Union Bank Bhavan,
239, Vidhan Bhavan Marg,
Nariman Point,
Mumbai - 400 021.
Central Office
Union Bank Bhavan,
239, Vidhan Bhavan Marg,
Nariman Point,
Mumbai - 400 021.
Investor Services Division
Union Bank Bhavan,
239, Vidhan Bhavan Marg,
Nariman Point,
Mumbai - 400 021.
Registrar & Share Transfer Agent
Datamatics Financial Services Ltd.
Plot No. B-5, Part B,
Cross Lane, MIDC, Marol,
Andheri (E), Mumbai-400 093.
¥¸½‰¸¸ œ¸£ú®¸ˆÅ AUDITORS
ˆ¼Å÷¸½ ¸ú. œ¸ú, ˆÅ¸œ¸¢”õ¡¸¸ ‡¿¿” ˆ¿Å.¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
FOR G P KAPADIA & CO. CHARTERED ACCOUNTANTS
ˆ¼Å÷¸½ ‚¢©¨¸›¸ú ‡¿¿” ‡¬¸¸½¢¬¸‡’츬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
FOR ASHWANI & ASSOCIATESCHARTERED ACCOUNTANTS
ˆ¼Å÷¸½ ¸ú¤¸ú¬¸ú‡ ‡¿¿” ‡¬¸¸½¢¬¸‡’츬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
FOR GBCA & ASSOCIATESCHARTERED ACCOUNTANTS
ˆ¼Å÷¸½ ¬¸º¿™£ ªú›¸ú ‡¿¿” ªúš¸£¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
FOR SUNDAR SRINI & SRIDHARCHARTERED ACCOUNTANTS
ˆ¼Å÷¸½ œ¸ú ‡ ‡¿¿” ‡¬¸¸½¢¬¸‡’츬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
FOR P A & ASSOCIATESCHARTERED ACCOUNTANTS
ˆ¼Å÷¸½ ‡¬¸ ž¸¿”¸£ú ‡¿¿” ˆ¿Å.¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
FOR S BHANDARI & CO,CHARTERED ACCOUNTANTS
-
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017 3
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸BOARD OF DIRECTORS
ªú ‚²Åµ¸ ¢÷¸¨¸¸£ú 26 ¢™¬¸Ÿ¤¸£, 2013 ¬¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ
ƒ¿¢”¡¸¸ ˆ½Å ‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ íÿ. ªú ¢÷¸¨¸¸£ú ‡ˆÅ
œ¸½©¸½¨¸£ ¤¸ÿˆÅ£ íÿ ‚¸¾£ ‚¸œ¸›¸½ ‚œ¸›¸½ ™¸½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ¢¨¸™½©¸ Ÿ¸Ê
œ¸»£½ ¢ˆÅ‡ íÿ. ¨¡¸¢Æ÷¸÷¨¸ ¢¨¸ˆÅ¸¬¸ ‡¨¸¿ ¢”¢¸’¥¸ ›¸¨¸¸½›Ÿ¸½«¸ ˆÅ¸½
¢¨¸©¸½«¸ Ÿ¸í÷¨¸ ™½›¸½ ¨¸¸¥¸½ ªú ¢÷¸¨¸¸£ú ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ž¸¸£÷¸ ˆ½Å
œÏŸ¸º‰¸ ¢”¢¸’¥¸ „›Ÿ¸º‰¸ ¢£’½¥¸ ¤¸ÿˆÅ ˆÅú œ¸¢£¨¸÷¸Ä›¸ˆÅ¸£ú ¡¸¸°¸¸
ˆÅ¸ ›¸½÷¸¼÷¨¸ ˆÅ£ £í½ íÿ.
‚¸œ¸›¸½ ‡½¬¸½ ¬¸Ÿ¸¡¸ Ÿ¸Ê ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ̂ Åú ¤¸¸Š¸”¸½£
¬¸¿ž¸¸¥¸ú, ¸¤¸ œ¸»£¸ ™½©¸ œ¸¢£¨¸÷¸Ä›¸ ̂ ½Å ¢¥¸‡ ÷¸¾¡¸¸£ ̃ ¸¸ ‚¸¾£
¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ Š¸í£½ ÷¸›¸¸¨¸ ¬¸½ Š¸º¸£ £í¸ ˜¸¸. ªú ¢÷¸¨¸¸£ú ˆÅ¸
‚œ¸›¸ú ’úŸ¸ ˆÅ¸½ œÏ˜¸Ÿ¸ ¬¸¿™½©¸ ˜¸¸À `™®¸÷¸¸ ˆÅ¸½ ‚œ¸›¸¸ ¥¸®¡¸
¤¸›¸¸‡¿, ‚œ¸›¸½ ˆÅ¸¡¸Ä ˆÅ¸½ ‚¢š¸ˆÅ ¬¸½ ‚¢š¸ˆÅ „÷œ¸¸™ˆÅ ¤¸›¸¸›¸½ ˆ½Å
¢¥¸‡ œÏ¢÷¸¤¸Ö £íÊ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ©¸÷¸¸¤™ú ¨¸«¸Ä 2019 ÷¸ˆÅ
¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ ˆ½Å ¬¸¤¸¬¸½ ˆºÅ©¸¥¸ ¤¸ÿˆÅ ¤¸›¸›¸½ ˆ½Å ‚œ¸›¸½
¥¸®¡¸ ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£Ê. ‚¸œ¸ˆ½Å ¬¸¿™½©¸ Ÿ¸Ê ¢›¸¢í÷¸ ˆºÅŽ ¤¸™¥¸¸¨¸¸Ê
Ÿ¸Ê ‚¸¦¬÷¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸ ¬¸Ÿ¸º¢¸÷¸ ¬¸¿÷¸º¥¸›¸ ˆÅ£ ƒ¬¸½
¢£’½¥¸, ˆ¼Å¢«¸ ‡¨¸¿ ¬¸»®Ÿ¸, ¥¸‹¸º ‡¨¸¿ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê
(‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ), ¢¸¬¸½ £¾Ÿ¸ ˆÅí¸ ¸¸÷¸¸ í¾, ˆ½Å œ¸®¸ Ÿ¸Ê ˆÅ£›¸¸ ˜¸¸,
¸¸½ ˆÅŸ¸ œ¸»¿¸ú ‰¸œ¸÷¸ ¨¸¸¥¸½ ®¸½°¸ íÿ. ¡¸í¸¿ ¡¸í „¥¥¸½‰¸›¸ú¡¸ í¾
¢ˆÅ Ÿ¸¸¸Ä 2017 ÷¸ˆÅ ¤¸ÿˆÅ ˆÅ¸ ‚¸š¸½ ¬¸½ ‚¢š¸ˆÅ †µ¸
œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ £¾Ÿ¸ ®¸½°¸ Ÿ¸Ê ‚¸ Š¸¡¸¸ ‚¸¾£ ‹¸£½¥¸» †µ¸ ¬¸¿¢Ÿ¸ª
Ÿ¸Ê 14 œÏ¢÷¸©¸÷¸ œ¸¸Áƒ¿’ì¸ ˆÅú ¨¸¼¢Ö ‚¢¸Ä÷¸ ˆÅú Š¸ƒÄ. ƒ¬¸ˆ½Å
‚¢÷¸¢£Æ÷¸, ¢›¸Ÿ›¸ ¥¸¸Š¸÷¸ ™½¡¸÷¸¸‚¸Ê ˆ½Å ©¸½¡¸£ Ÿ¸Ê 6 œÏ¢÷¸©¸÷¸ ˆÅú
¤¸õ¸½î¸£ú ›¸½ ¡¸º¨¸¸ ‡¨¸¿ Ÿ¸í÷¨¸¸ˆÅ¸¿®¸ú ž¸¸£÷¸ú¡¸¸Ê ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ
ˆÅ¸½ ¬¸íú ‚˜¸¸½ô Ÿ¸Ê ‡ˆÅ ¢¨¸î¸ú¡¸ ˆÊÅÍ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ¢÷¸¬˜¸¸¢œ¸÷¸
¢ˆÅ¡¸¸ í¾.
‡ˆÅ ¢£’½¥¸ ¤¸ÿˆÅ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½
ˆ½Å œ¸º›¸À ¬¸¿÷¸º¥¸›¸ ¬¸½ „›¸ˆÅú ‡¸”ú‚¸£ ü½ÅŸ¸¨¸ˆÄÅ £µ¸›¸ú¢÷¸ ˆÅ¸½
¤¸¥¸ ¢Ÿ¸¥¸¸, ¢¸¬¸ˆÅ¸ „Ó½©¡¸ ˆÅ) Ÿ¸¸›¸¨¸ œ¸»¿¸ú, ‰¸) ¢”¢¸’¥¸
¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ Š¸) ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ®¸½°¸¸Ê ˆÅ¸½ ¬¸º´õ ˆÅ£›¸¸ í¾.
í¸¥¸ ˆ½Å ¨¸«¸¸½ô Ÿ¸Ê ퟸ¸£½ ¤¸ÿˆÅ ›¸½ œÏ¸½¸½Æ’ „÷ˆÅ«¸Ä œ¸í¥¸ ˆ½Å
‚¿÷¸Š¸Ä÷¸ ‚›¸½ˆÅ ¤¸™¥¸¸¨¸ ¢ˆÅ‡ íÿ. ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¤¸ ‡ˆÅ ¡¸º¨¸¸
‡¨¸¿ ¥¸ÿ¢Š¸ˆÅ ¢¨¸¢¨¸š¸÷¸¸ ¨¸¸¥¸¸ ¤¸ÿˆÅ í¾. ¡¸í¸Â ‡ˆÅ ‚¸½£ ¸í¸¿
‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅú ‚¸¾¬¸÷¸ ‚¸¡¸º 37 ¨¸«¸Ä í¾, ¨¸íú¿ ˆºÅ¥¸
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê Ÿ¸½¿ ‡ˆÅ ¸¸¾˜¸¸ƒÄ Ÿ¸¢í¥¸¸ ˆÅŸ¸Ä¸¸£ú ž¸ú íÿ. ‚¸œ¸ˆÅ¸
ûŸ½ˆÅ¬¸ ¢¨¸¬÷¸¼÷¸ œÏ¢©¸®¸µ¸ ‡¨¸¿ ¨¡¸¸¨¸í¸¢£ˆÅ ¢©¸®¸¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸
¬¸½ ¬¸¿¬˜¸¸Š¸÷¸ ®¸Ÿ¸÷¸¸ ˆÅ¸ ¢¨¸ˆÅ¸¬¸ ˆÅ£›¸¸ £í¸ í¾. ‚¸œ¸ˆÅú
¢›¸Š¸£¸›¸ú Ÿ¸Ê ¤¸ÿˆÅ ›¸½, ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ›¸¨¸ ¢›¸¡¸ºÆ÷¸¸Ê ˆÅ¸½
¢¨¸œ¸µ¸›¸, ¢”¢¸’¥¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ˆ½Å ®¸½°¸ Ÿ¸Ê œÏ¢©¸¢®¸÷¸
ˆÅ£›¸½ œ¸£ ¢›¸¨¸½©¸ ¢ˆÅ¡¸¸ í¾. ƒ¬¸ˆ½Å ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ œ¸¢£µ¸¸Ÿ¸ ¤¸ÿˆÅ
ˆÅ¸½ ¬¸ž¸ú ¬÷¸£¸Ê œ¸£ ¢”¢¸’¥¸ ¬¸Ÿ¸¸ ‡¨¸¿ ¸¸½¢‰¸Ÿ¸ ˆ½Å œÏ¢÷¸
¬¸¿¨¸½™›¸©¸ú¥¸÷¸¸ Ÿ¸Ê œ¸¢£¥¸¢®¸÷¸ í¸½÷¸½ íÿ. í¸¥¸ íú Ÿ¸Ê ¦’踒£,
û½Å¬¸¤¸ºˆÅ, ƒ¿¬’¸ŠÏ¸Ÿ¸ ‡¨¸¿ ¡¸»’ḻ¤¸ œ¸£ ‚œ¸›¸ú Ÿ¸¸¾¸»™Š¸ú ¬¸½
¤¸ÿˆÅ ›¸½ ‚œ¸›¸ú ¤Ï¸¿” ¨¸¾¥¡¸» ¤¸õ¸ƒÄ í¾.
ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ
ˆ½Å ³Åœ¸ Ÿ¸Ê ¸»›¸ 2012 Ÿ¸Ê ¢›¸¡¸º¢Æ÷¸ ˆ½Å œ¸»¨¸Ä ‚¸œ¸ ÷¸ú›¸ ™©¸ˆÅ¸Ê
¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ¤¸ÿˆÅ ‚¸ÁûÅ ¤¸”õ¸¾™¸ Ÿ¸Ê £í½, ¸í¸¿ ‚¸œ¸
Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ¬÷¸£ ÷¸ˆÅ œ¸íº¿¸½. ‚¸œ¸ ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ ûŸƒ›¸¸¿¬¸
¢¥¸. ˆ½Å ¤¸¸½”Ä ˆ½Å ¢›¸™½©¸ˆÅ £í½ ‡¨¸¿ ‚ž¸ú í¸¥¸ ÷¸ˆÅ ¸›¸£¥¸
ƒ¿©¡¸¸½£¿¬¸ ˆÅ¸œ¸¸½Ä£½©¸›¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (¸ú‚¸ƒÄ¬¸ú ‚¸£ƒÄ) ˆ½Å
¤¸¸½”Ä Ÿ¸Ê œ¸™½›¸ ¢›¸™½©¸ˆÅ ž¸ú £í½.
¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ªú ¢÷¸¨¸¸£ú ¡¸»¢›¸¡¸›¸ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú
œÏ¸. ¢¥¸¢Ÿ¸’½” ˆ½Å Š¸¾£ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ-¢›¸™½©¸ˆÅ ‡¨¸¿ ‚š¡¸®¸, ¬’¸£
¡¸»¢›¸¡¸›¸ ™¸ƒÄ-ƒ¸ú ¸ú¨¸›¸ ¤¸úŸ¸¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä Ÿ¸Ê
¢›¸™½©¸ˆÅ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ‚¸½¨¸£¬¸ú{¸ ¬¸í¸¡¸ˆÅ ‚˜¸¸Ä÷¸ ¡¸»¢›¸¡¸›¸
¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (¡¸»ˆ½Å) ¢¥¸¢Ÿ¸’½” ˆ½Å ‚š¡¸®¸ íÿ. ‚¸œ¸ ¢™ ›¡¸»
ƒ¿¢”¡¸¸ ‡©¡¸¸½£¿¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä ˆ½Å œ¸™½›¸
¢›¸™½©¸ˆÅ ‚¸¾£ ƒÄ¬¸ú¸ú¬¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ‡ˆÅ ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ ž¸ú
íÿ.
ªú ‚²Åµ¸ ¢÷¸¨¸¸£ú ‚¸ƒÄ¤¸ú‡ ˆ½Å „œ¸¸š¡¸®¸ ‡¨¸¿ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸
‡¨¸¿ ¤¸¸¬¸¥¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¬˜¸¸¡¸ú ¬¸¢Ÿ¸¢÷¸ ˆ½Å ‚š¡¸®¸, ž¸¸£÷¸
¬¸£ˆÅ¸£ ׸£¸ Š¸¢“÷¸ ›¸¸¤¸¸”Ä ˆ½Å ``¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©¸›¸ ˆÅ¸½«¸''
ˆ½Å ¬¸¥¸¸íˆÅ¸£ú ¤¸¸½”Ä ˆ½Å ¬¸™¬¡¸, ˆÅ¸„¿¢¬¸¥¸ ‚¸ÁûÅ ƒ¿¢”¡¸›¸
ƒ¿¬’ú’ḻ’ ‚¸ÁûÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¿” ûŸƒ›¸Ê¬¸, Ÿ¸º¿¤¸ƒÄ ̂ ½Å ¬¸™¬¡¸, „¸
¬÷¸£ú¡¸ Š¸¾£ ¢›¸«œ¸¸™ˆÅ †µ¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¢¥¸‡
ž¸¸£÷¸ ¬¸£ˆÅ¸£, ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸ ׸£¸ Š¸¢“÷¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸,
¢ûÅƈÅú ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¿” ûŸƒ›¸Ê¢©¸¡¸¥¸ ƒ¿¬’ú’ḻ©¸›¸ ˆÅŸ¸½’ú ˆ½Å
‚š¡¸®¸ ž¸ú íÿ. ªú ¢÷¸¨¸¸£ú ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ¬¸¸½©¸¥¸ ûöŸ„¿”½©¸›¸
’﬒ú ¤¸¸½”Ä ˆ½Å ‚š¡¸®¸ ž¸ú íÿ.
¢¸±¸¸¬¸º œ¸¸“ˆÅ ÷¸˜¸¸ ¬¸÷¸÷¸ ±¸¸›¸¸¸ÄˆÅ ªú ¢÷¸¨¸¸£ú ›¸½ ‚¸˜¸Ä£
”ú' ¢¥¸¢’¥¸ (¤¸¸½¬’›¸), ˆ½Å¥¸¸ÁŠ¸ ¬ˆ»Å¥¸ ‚¸ÁûÅ Ÿ¸¾›¸½¸Ÿ¸Ê’, ›¸¸Á˜¸Ä
¨¸½¬’›¸Ä ¡¸»¢›¸¨¸¢¬¸Ä’ú (¢©¸ˆÅ¸Š¸¸½), ƒ¿¢”¡¸›¸ ¬ˆ»Å¥¸ ‚¸ÁûÅ
¢¤¸¸›¸½¬¸, ‚¸ƒÄ‚¸ƒÄ’ú Ÿ¸º¿¤¸ƒÄ, ‡›¸‚¸ƒÄ¤¸ú‡Ÿ¸, œ¸ºµ¸½ ‚¸¢™ ¸¾¬¸½
œÏ¢÷¸¦«“÷¸ ¬¸¿¬˜¸¸›¸¸Ê ¬¸½ œÏ¢©¸®¸µ¸ œÏ¸œ÷¸ ¢ˆÅ¡¸¸ í¾. ªú ¢÷¸¨¸¸£ú
›¸½ ¢¨¸æ¸ ¤¸ÿˆÅ ˆ½Å ÷¸÷¨¸¸¨¸š¸¸›¸ Ÿ¸Ê ž¸¸£÷¸ Ÿ¸Ê ¢›¸¡¸¸Ä÷¸¸½›Ÿ¸º‰¸ú
¥¸‹¸º ¬÷¸£ú¡¸ „Ô¸¸½Š¸¸Ê ˆ½Å ¢¥¸‡ ¡¸»‡¬¸‡ ÷¸˜¸¸ ¡¸»£¸½œ¸ Ÿ¸Ê
‚š¡¸¡¸›¸ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸. ªú ¢÷¸¨¸¸£ú „Ô¸¸½Š¸ ¸Š¸÷¸ ‡¨¸¿ ¡¸º¨¸¸ œ¸úõú
ˆ½Å ¤¸ú¸ ‡ˆÅ ‚¸™©¸Ä œÏ½£ˆÅ ¨¸Æ÷¸¸ ˆ½Å ²Åœ¸ Ÿ¸Ê ¸¸›¸½ ¸¸÷¸½ íÿ.
Shri Arun TiwariChairman & Managing Director
ªú ‚²µ¸ ¢÷¸¨¸¸£ú‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ
-
4 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
Shri Arun Tiwari is the Chairman and Managing Director of Union
Bank of India since December 26, 2013. A career banker with two
stints overseas, and having passion for people development &
digital deepening, Shri Tiwari has been spearheading a
transformational journey at India’s promising digital-savvy retail
bank. He joined Union Bank at a time when entire country was
bracing for a change and banking sector was in midst of a deep
stress. Shri Tiwari’s first message to his team was: ‘Aim for
efficiency, Aspire for being more productive in whatever pursuits
we have, and thus Achieve the Goal of becoming most efficient
public sector bank by our Centenary Year, 2019’. A few changes
outlined in his message included deliberate re-balancing of assets
portfolio in favour of well-diversified and capital-light Retail,
Agriculture, and Micro, Small and Medium Enterprises (MSME),
together he termed as ‘RAM’ strategy. It is no surprise that more
than half of loan-book of the Bank is under RAM sectors as of March
2017, a gain of 14 percentage points in domestic loan pie. Added to
this, six percentage gain in low-cost liability share has made the
Bank truly a retail financial hub for young & aspirational
Indians. His approach of portfolio rebalancing towards building a
retail bank was supported by yet another strategy, which he named
HDR framework that focused on building strengths in the areas of a)
Human Capital, b) Digital Banking, and, c) Risk Management. The
Bank has witnessed great shifts over recent years under Project
Utkarsh initiatives, a brainchild of his. Union Bank has become
younger and a gender diverse institution. Average age of officers
is 37 years while women staffs make a quarter of workforce. His
focus has been on building organisational capabilities through
extensive training and experiential learning. Under his watch, the
Bank has specially invested in skilling young recruits in areas of
marketing, digital and risk management. It has yielded results with
the Bank taking leadership in digital deepening, and risk
sensitivity across the rank & file. With recent presence on
Twitter, Facebook, Instagram & YouTube, Union Bank has further
added to its brand value. He was with Bank of Baroda for over three
decades where he rose up to level of General Manager before being
appointed by the Government of India as Executive Director in
Allahabad Bank in June 2012. He was Director on the Board of
AllBank Finance Ltd. and till very recently Ex-Officio Director on
the Board of General Insurance Corporation of India (GIC
Re).Presently, Shri Tiwari is a Non-Executive Director &
Chairman of Union Asset Management Company Pvt. Limited, Director
on the Board of Star Union Dai-ichi Life Insurance Company Limited,
Chairman of Bank’s overseas subsidiary i.e. Union Bank of India
(UK) Ltd. He is also Ex-Officio Director on the Board of the New
India Assurance Company Ltd. and a Nominee Director of ECGC
Ltd.Shri Arun Tiwari is the Deputy Chairman of IBA and also
chairman of Standing Committee on Risk Management and Basel
Implementation, Member of Advisory Board of “Financial Inclusion
Fund” of NABARD constituted by Govt. of India, a Member of
Governing Council of Indian Institute of Banking & Finance,
Mumbai, a Member of the Committee constituted by the Govt of India,
Ministry of Finance to look into the issues of High Level of Non
Performing Loans, Chairman of FICCI Banking and Financial
Institution committee. Shri Tiwari is also the Chairman of the
Board of Trustee of Union Bank Social Foundation Trust.Well-read,
yet a continuous learner, Shri Tiwari has received training at
prestigious institutions, like Arthur D’Little (Boston), Kellogg
School of Management, Northwestern University (Chicago), Indian
School of Business, IIT-Mumbai, NIBM (Pune) etc. Shri Tiwari
earlier did a study assignment in the USA and Europe for
export-oriented Small Scale Industries in India under aegis of the
World Bank. No wonder, Shri Tiwari is a much in-demand thought
speaker at industry forums and amongst young minds.
-
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017 5
Shri Vinod KathuriaExecutive Director
ªú ¢¨¸›¸¸½™ ˆÅ˜¸»¢£¡¸¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ
ªú ¢¨¸›¸¸½™ ˆÅ˜¸»¢£¡¸¸ ›¸½ 22 ¸›¸¨¸£ú, 2016 ˆÅ¸½ ¡¸»¢›¸¡¸›¸
¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê
ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸.
ªú ¢¨¸›¸¸½™ ˆÅ˜¸»¢£¡¸¸ ¢™¥¥¸ú ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ¬¸½ ˆÅ¸ÁŸ¸¬¸Ä Ÿ¸Ê
¬›¸¸÷¸ˆÅ¸½î¸£ „œ¸¸¢š¸ š¸¸£ˆÅ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ¬¸Ä ¬¸¿¬˜¸¸›¸ ˆ½Å
¬¸¢’ÄûŸƒ” ‡¬¸¸½¢¬¸‡’ íÿ. 1983 Ÿ¸Ê ƒ›í¸Ê›¸½ œ¸¿¸¸¤¸ ›¸¾©¸›¸¥¸ ¤¸ÿˆÅ
Ÿ¸Ê Ÿ¸¾›¸½¸Ÿ¸Ê’ ’ï½›¸ú ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ŠÏíµ¸ ¢ˆÅ¡¸¸ ˜¸¸ ‚¸¾£
¤¸ÿ¢ˆ¿ÅŠ¸ ˆ½Å ¢¨¸¢ž¸››¸ œ¸í¥¸º‚¸Ê ˆÅ¸ ƒ›íÊ 32 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ
ˆÅ¸ ¨¡¸¸œ¸ˆÅ ‚›¸ºž¸¨¸ í¾.
œ¸¿¸¸¤¸ ›¸¾©¸›¸¥¸ ¤¸ÿˆÅ Ÿ¸Ê ‚œ¸›¸½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ ªú
ˆÅ˜¸»¢£¡¸¸ 2 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ¤¸¸¿Í¸ ˆºÅ¥¸¸Ä
ˆÅ¸ÁŸœ¥¸½Æ¬¸ (¤¸úˆ½Å¬¸ú) Ÿ¸º¿¤¸ƒÄ Ÿ¸Ê ’ｸ£ú œÏž¸¸Š¸ ˆ½Å œÏŸ¸º‰¸
ž¸ú £í½ íÿ. ˆÅ¸Áœ¸¸½Ä£½’ ǽŢ”’ Ÿ¸Ê „›íÊ ¥¸Š¸ž¸Š¸ ÷¸ú›¸ ™©¸ˆÅ¸½¿
ˆÅ¸ ¨¡¸¸œ¸ˆÅ ‚›¸ºž¸¨¸ í¾. ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ Ÿ¸Ê œ¸™ž¸¸£ ¬¸¿ž¸¸¥¸›¸½
¬¸½ œ¸»¨¸Ä ªú ˆÅ˜¸»¢£¡¸¸ œ¸¿¸¸¤¸ ›¸¾©¸›¸¥¸ ¤¸ÿˆÅ ˆ½Å ‚¸Š¸£¸ ‚¿¸¥¸
ˆ½Å œÏŸ¸º‰¸ £í½, ¸¸½ „ œÏ™½©¸ £¸¡¸ ˆ½Å Ÿ¸š¡¸ ®¸½°¸ ˆÅ¸½ ˆÅ¨¸£
ˆÅ£÷¸¸ í¾.
’ｸ£ú ‡¨¸¿ ˆÅ¸Áœ¸¸½Ä£½’ ǽŢ”’ ˆ½Å ®¸½°¸ Ÿ¸Ê ªú ˆÅ˜¸»¢£¡¸¸ ˆÅú
¡¸¸½Š¡¸÷¸¸ ‡¨¸¿ ‚›¸ºž¸¨¸ ˆÅ¸½ ™½‰¸÷¸½ íº‡ ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸
(‡Ÿ¸‚¸½‡ûÅ) ›¸½ „›íÊ ž¸¸£÷¸ú¡¸ Ÿ¸¢í¥¸¸ ¤¸ÿˆÅ ˆ½Å Š¸“›¸ ˆÅ¸ ˆÅ¸¡¸Ä
¬¸¸ÿœ¸¸ ˜¸¸, ¢¸¬¸Ÿ¸Ê ¨¸½ ˆÅ¸½£ Ÿ¸¾›¸½¸Ÿ¸Ê’ ’úŸ¸ ˆ½Å ¬¸™¬¡¸ ˜¸½.
ƒ¬¸ú œÏˆÅ¸£ ªú ˆÅ˜¸»¢£¡¸¸ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸ (”ú‡ûҬ¸),
¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸ (‡Ÿ¸‚¸½‡ûÅ), ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¤¸¸¬¸¥¸ III
Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ Š¸¢“÷¸ ’ú¡¸£-I œ¸œ¸½Ä¸º‚¥¸ ¤¸¸Â”ì¸
¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ ž¸ú ˜¸½. ¢¨¸œ¸µ¸›¸ œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê ™®¸÷¸¸ ˆ½Å
ˆÅ¸£µ¸ ªú ˆÅ˜¸»¢£¡¸¸ ›¸½ ‡Ÿ¸¬¸ú‡Æ¬¸-‡¬¸‡Æ¬¸ ¤¸¸½”Ä ˆ½Å ˆÅ¸¡¸¸½ô ˆ½Å
œÏ¤¸¿š¸›¸ í½÷¸º ¬¸½¤¸ú ׸£¸ Š¸¢“÷¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
ž¸ú ‚œ¸›¸ú ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅì.
¨¸½ ¢œÏ¿¢¬¸œ¸¥¸ ’﬒ú ˆ¿Åœ¸›¸ú œÏ¸. ¢¥¸. ˆ½Å ¤¸¸½”Ä Ÿ¸Ê
¢›¸™½©¸ˆÅ, ƒ¿¢”¡¸¸ û¾ÅÆ’¢£¿Š¸ ‡µ” ûŸƒ›¸Ê¬¸ ¬¸¸Á¥¡¸»©¸›¸ œÏ¸. ¢¥¸.
Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ ‚¸¾£ œ¸ú‡›¸¤¸ú ƒ¿©¡¸¸½£Ê¬¸ ¤Ï¸½¢ˆ¿ÅŠ¸ œÏ¸.
¢¥¸. ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ £í ¸ºˆ½Å íÿ.
¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ªú ˆÅ˜¸»¢£¡¸¸ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ˆÅú ‡¬¸½’
Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¡¸˜¸¸ ¡¸»¢›¸¡¸›¸ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Å. œÏ¸.
¢¥¸. (œ¸í¥¸½ ¡¸»¢›¸¡¸›¸ ˆ½Å.¤¸ú.¬¸ú. ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú
¢¥¸¢Ÿ¸’½”) ˆ½Å Š¸¾£- ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ íÿ.
Shri Vinod Kathuria has joined Union Bank of India as an
Executive Director on January 22, 2016.
Shri Vinod Kathuria is Masters in Commerce from Delhi University
and is a Certified Associate of the Indian Institute of Bankers. He
joined Punjab National Bank as a Management Trainee in 1983 and has
gained vast experience spanning over more than 32 years in various
facets of Banking.
During his tenure at Punjab National Bank, Shri Kathuria headed
the Treasury Division at Bandra Kurla Complex (BKC), Mumbai for 2
years plus. His exposure of Corporate Credit is almost of three
decades. Before joining Union Bank of India, Shri Kathuria headed
the Agra Zone of Punjab National Bank which covers the Central part
of Uttar Pradesh State.
With knowledge and experience gained by Shri Kathuria in the
field of Treasury and Corporate Credit, he was entrusted the
assignment of formation of Bhartiya Mahila Bank by the Ministry of
Finance (MoF) wherein he was member of the Core Management Team.
Similarly, Shri Kathuria was also member of the Committee of Tier I
Perpetual Bonds under Basel III Norms, the initiative taken by the
Department of Financial Services (DFS), Ministry of Finance (MoF),
Government of India. Having niche in market operations, Shri
Kathuria also served as the member of the Committee formed by SEBI
overseeing working of the Board of MCX-SX.
He was a Director on the Board of Principal Trustee Co. Pvt.
Ltd., a Nominee Director on the Board of India Factoring and
Finance Solutions Private Ltd. and Managing Director of PNB
Insurance Broking Pvt. Ltd.
Presently, Shri Kathuria is a Non-Executive Director of Union
Asset Management Co. Pvt. Ltd. (formerly Union KBC Asset Management
Company Pvt. Ltd.), an Asset Management Company of the Bank.
-
6 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
ªú £¸¸ ˆÅŸ¸¥¸ ¨¸Ÿ¸¸Ä 9 ‚Š¸¬÷¸, 2016 ¬¸½ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸Áœ¸€
ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ íÿ.ªú £¸¸ ˆÅŸ¸¥¸ ¨¸Ÿ¸¸Ä ˆÅ¥¸¸
Ÿ¸Ê ¬›¸¸÷¸ˆÅ (‚¸Á›¸¬¸Ä) íÿ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ ¢¨¸î¸
¬¸¿¬˜¸¸›¸ ˆ½Å ¬¸¢’ÄûŸƒ” ‡¬¸¸½¢¬¸‡’ íÿ. „›í¸Ê›¸½ ‚œ¸›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸
ˆ¾Å¢£¡¸£ ˆÅú ©¸º³ ‚¸÷¸ 1981 Ÿ¸Ê ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ¬¸½ ˆÅú ÷¸˜¸¸
¤¸ÿ¢ˆ¿ÅŠ¸ ˆ½Å ¢¨¸¢¨¸š¸ ®¸½°¸¸Ê Ÿ¸Ê ™½©¸ú ‡¨¸¿ ‚¿÷¸£¸Ä«’ïú¡¸ ™¸½›¸¸Ê
íú œ¸¢£¸¸¥¸›¸¸½¿ ̂ Ÿ „›íÊ 35 ̈ ¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ̂ Ÿ ̈ ¡¸¸œ¸ˆÅ
‚›¸ºž¸¨¸ í¾. „›í¸Ê›¸½ ©¸¸‰¸¸ œÏŸ¸º‰¸, †µ¸ ¢¨¸ž¸¸Š¸ œÏŸ¸º‰¸ ‡¨¸¿
‚¿¸¥¸ œÏŸ¸º‰¸ ˆ½Å ³œ¸ Ÿ¸Ê ¢¨¸¢ž¸››¸ œ¸™¸Ê œ¸£ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾.
¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å Ÿ¸º‰¡¸¸¥¸¡¸ Ÿ¸Ê ¨¸½ ¢›¸£ú®¸µ¸ ‡¨¸¿
¥¸½‰¸¸œ¸£ú®¸¸ ¢¨¸ž¸¸Š¸ ˆ½Å œÏŸ¸º‰¸ ž¸ú £í½ íÿ. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ªú
¨¸Ÿ¸¸Ä ¢¬¸÷¸Ÿ¤¸£, 2012 ¬¸½ ‚Æ÷¸»¤¸£, 2015 ÷¸ˆÅ ˆ½Å›¡¸¸ Ÿ¸Ê
¬¸Ÿ¸ºÍœ¸¸£ú¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ž¸ú £í½ íÿ.
¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸½ ¤¸ÿˆÅ ˆ½Å
œÏŸ¸º‰¸ ˆÅ¸¡¸Ä- ®¸½°¸¸Ê ¡¸˜¸¸ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ‡¨¸¿ †µ¸ ›¸ú¢÷¸,
¨¸¾¡¸¢Æ÷¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ œ¸¢£¸¸¥¸›¸, ˆÊÅÍú¡¸ ¥¸½‰¸¸œ¸£ú®¸¸ ‡¨¸¿
¢›¸£ú®¸µ¸, ˆÅ¸Áœ¸¸½Ä£½’ ¬¸ŸœÏ½«¸µ¸, ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ˆÅ¸¢Ÿ¸ÄˆÅ ¨¸
Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ ÷¸˜¸¸ ¬¸»¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú ¢¨¸ž¸¸Š¸ ˆ½Å
ˆÅ¸¡¸¸½ô ˆÅú ™½‰¸£½‰¸ ˆÅ£ £í½ íÿ.ªú ¨¸Ÿ¸¸Ä ˆÅ¸½ ¬¸¿Š¸ú÷¸, ‚š¡¸¡¸›¸
¨¸ ‰¸½¥¸ˆ»Å™ Ÿ¸Ê ¢¨¸©¸½«¸ ²Å¢¸ í¾. „›¸ˆ½Å ›¸½÷¸¼÷¨¸ ˆÅ¸ ÷¸£úˆÅ¸ í¾
’úŸ¸ ž¸¸¨¸›¸¸ œ¸£ ¤¸¥¸, ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅ¸½ œ¸º£¬ˆ¼Å÷¸ ˆÅ£›¸¸
÷¸˜¸¸ ž¸¢¨¸«¡¸ Ÿ¸Ê ›¸½÷¸¼÷¨¸ ˆÅ£›¸½ ¨¸¸¥¸¸Ê ˆÅ¸ Ÿ¸¸Š¸Ä™©¸Ä›¸
ˆÅ£›¸¸.
Shri Raj Kamal Verma is Executive Director of Union Bank of
India since August 9, 2016.
Shri Raj Kamal Verma is Bachelor of Arts (Hons.) and is a
Certified Associate of the Indian Institute of Banking &
Finance. He has vast experience of more than 35 years in various
facets of Banking, both in domestic and international operations,
having started his career with Bank of India in the year 1981. He
worked in various capacities including as branch head, credit head
and zonal manager. He also headed Inspection & Audit Department
of Bank of India at their Head Office. In addition, Shri Verma also
had overseas stint at Kenya as Chief Executive from September 2012
to October 2015.
At present as an Executive Director, he is overseeing key
functional areas viz. MSME & Credit Policy, Personal Banking
& Operations, Central Audit & Inspection, Corporate
Communications, Digital Banking, Personnel & Human Resources
and Department of Information Technology.
Shri Verma has interest in music, reading and sports. His
leadership style is focused on team-spirit, rewarding performance
and mentoring future leaders.
ªú ‚÷¸º¥¸ ˆºÅŸ¸¸£ Š¸¸½¡¸¥¸ ›¸½ 15 ¢¬¸÷¸Ÿ¤¸£, 2016 ˆÅ¸½
¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³œ¸
Ÿ¸Ê ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸. ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê
œ¸™¸½››¸¢÷¸ ¬¸½ œ¸»¨¸Ä ¨¸½ ž¸¸£÷¸ ˆ½Å ¬¸¤¸¬¸½ œÏ¸¸ú›¸ ¤¸ÿˆÅ-
ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ Ÿ¸Ê Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú
(¬¸ú‡ûÅ‚¸½) ˜¸½.¢™¬¸Ÿ¤¸£, 1964 Ÿ¸Ê ¸›Ÿ¸½ ªú Š¸¸½¡¸¥¸ ¨¸¸¢µ¸¡¸ Ÿ¸Ê
¬¸¬¸ŸŸ¸¸›¸ ¬›¸¸÷¸ˆÅ „œ¸¸¢š¸ š¸¸£ˆÅ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£
¬¸¿¬˜¸¸›¸ (‚¸ƒÄ¬¸ú‡‚¸ƒÄ) ˆ½Å ¬¸™¬¡¸ íÿ. ¨¸½ ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ¬¸Ä
¬¸¿¬˜¸¸›¸ ˆ½Å ¬¸¢’ÄûŸƒ” ‡¬¸¸½¢¬¸‡’ (¬¸ú‡‚¸ƒÄ‚¸ƒÄ¤¸ú) ž¸ú íÿ.
ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ Ÿ¸Ê ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ˆ½Å ³Åœ¸ Ÿ¸Ê 27 Ÿ¸¸¸Ä, 1992
ˆÅ¸½ ˆÅ¸¡¸ÄŠÏíµ¸ ˆ½Å ¬¸¸˜¸ „›í¸Ê›¸½ ‚œ¸›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ¸ú¨¸›¸ ˆÅú
©¸º³Å‚¸÷¸ ˆÅú.ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ Ÿ¸Ê ‚œ¸›¸½ ¸¸¾¤¸ú¬¸ ¨¸«¸¸½ô ˆ½Å
ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ „›í¸Ê›¸½ ©¸¸‰¸¸‚¸Ê, ‚¿¸¥¸ú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸
‡¨¸¿ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ ˆÅú œÏŸ¸º‰¸
¢¸ŸŸ¸½™¸¢£¡¸¸Ê ˆÅ¸ ¢›¸¨¸Ä훸 ¢ˆÅ¡¸¸. „¬¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸
„›í¸Ê›¸½ ˆÅ¸Áœ¸¸½Ä£½’ ǽŢ”’, ¢¨¸™½©¸ú ¢¨¸¢›¸Ÿ¸¡¸ ˆÅ¸£¸½¤¸¸£ ‚¸¾£
’ｸ£ú ˆÅ¸ ˆÅ¸¡¸Äž¸¸£ ¬¸¿ž¸¸¥¸¸ ÷¸˜¸¸ ¤¸ÿˆÅ ˆ½Å ¤¸¸¸¸£ ‚¿©¸ ˆÅ¸½
¤¸õ¸›¸½ í½÷¸º œ¸¢£µ¸¸Ÿ¸¸½›Ÿ¸º‰¸ œÏ¡¸¸¬¸¸Ê ˆÅ¸½ ¬¸¢ÇÅ¡¸÷¸¸ ¬¸½
ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ¢ˆÅ¡¸¸. ¨¸½ ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ ˆ½Å Ÿ¸º¿¤¸ƒÄ ‚¿¸¥¸ ˆ½Å
œÏŸ¸º‰¸ ž¸ú £í½ íÿ. ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ Ÿ¸Ê Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ‚¸¾£
¬¸ú‡ûÅ‚¸½ ̂ ½Å ³Åœ¸ Ÿ¸Ê „›í¸Ê›¸½ ¢¨¸î¸ ‡¨¸¿ ¥¸½‰¸¸, ‚¿÷¸£¸Ä«’ïú¡¸
¤¸ÿ¢ˆ¿ÅŠ¸, ’ｸ£ú ‡¨¸¿ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸½
¤¸‰¸»¤¸ú ¬¸¿ž¸¸¥¸¸. ¨¸½ ƒ¥¸¸í¸¤¸¸™ ¤¸ÿˆÅ ˆÅú ‚›¸º«¸¿Š¸ú ƒˆÅ¸ƒÄ
‚¸Á¥¸ ¤¸ÿˆÅ ûöŸƒ›¸Ê¬¸ ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¢›¸™½©¸ˆÅ ž¸ú £í½
íÿ.ªú Š¸¸½¡¸¥¸ ‚¸ƒÄ¤¸ú‡ ˆÅú ’¾Æ¬¸½©¸›¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ íÿ ÷¸˜¸¸
‡›¸‚¸ƒÄ¤¸ú‡Ÿ¸ œ¸ºµ¸½, ‚¸ƒÄ‡Ÿ¸’ú ¢™¥¥¸ú ׸£¸ ¬¸¿¸¸¢¥¸÷¸ œÏ¢÷¸¦«“÷¸
œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸¸Ê Ÿ¸Ê „›í¸Ê›¸½ ¬¸íž¸¸¢Š¸÷¸¸ ˆÅú í¾. ƒ¬¸ˆ½Å
‚¢÷¸¢£Æ÷¸ ¬¸ú‡‡œ¸€‚¸£‡‡¥¸ ˆ½Å ÷¸÷¨¸¸¨¸š¸¸›¸ Ÿ¸Ê ¢¨¸™½©¸ Ÿ¸Ê
‚¸¡¸¸½¢¸÷¸ œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê ž¸ú „›í¸Ê›¸½ œÏ¢©¸®¸µ¸ œÏ¸œ÷¸
¢ˆÅ¡¸¸ í¾.
ªú £¸¸ ˆÅŸ¸¥¸ ¨¸Ÿ¸¸Ä ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ
Shri Raj Kamal VermaExecutive Director
ªú ‚÷¸º¥¸ ˆºÅŸ¸¸£ Š¸¸½¡¸¥¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ
Shri Atul Kumar Goel Executive Director
-
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017 7
Shri Atul Kumar Goel assumed the charge as Executive Director of
Union Bank of India on September 15, 2016. Prior to his elevation
as Executive Director he was General Manager and Chief Financial
Officer (CFO) at India’s oldest Bank, Allahabad Bank.
Born in December 1964, Shri Goel holds a Bachelor Degree with
Honours in Commerce and member of Institute of Chartered
Accountants of India (ICAI). He is also a Certified Associate of
Indian Institute of Bankers (CAIIB). His career in Banking began
when he joined Allahabad bank as Chartered Accountant on March 27,
1992.
His twenty four years of service in Allahabad Bank saw him rise
in his career with key responsibilities held in Branches, Zonal
Office and Head Office covering a vast spectrum of banking
operations. During that period he handled Corporate Credit, Foreign
Exchange Business and Treasury & take proactive result oriented
measures to garner market share. He also headed the Mumbai Zone of
Allahabad Bank.
As a General Manager & CFO of Allahabad Bank his portfolio
included Finance & Accounts, International Banking, Treasury
& Joint Venture. He was also a Director on the Board of All
Bank Finance Limited, a subsidiary of Allahabad Bank.
Shri Goel is a member of Taxation Committee of IBA and has
attended prestigious training programme conducted by NIBM Pune, IMT
Delhi. He has also undergone training programme held abroad
conducted under aegis of CAFRAL.
51 ¨¸«¸úÄ¡¸ ”¸Á. Ÿ¸™›¸½©¸ ˆºÅŸ¸¸£ ¢Ÿ¸ª¸, ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡Â
¢¨¸ž¸¸Š¸, ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£ Ÿ¸Ê ¬¸¿¡¸ºÆ÷¸ ¬¸¢¸¨¸ íÿ
÷¸˜¸¸ 22 ¸º¥¸¸ƒÄ, 2016 ¬¸½ ¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¬¸£ˆÅ¸£ ׸£¸
›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ‡ Š¸‡ íÿ. „›í¸Ê›¸½
‡Æ¬¸‡¥¸‚¸£‚¸ƒÄ, ¸Ÿ¸©¸½™œ¸º£ ¬¸½ ¬¸¿¬˜¸¸Š¸÷¸ ¨¡¸¨¸í¸£
(‚¸ÁŠ¸Ä›¸¸ƒ¸½©¸›¸¥¸ ¢¤¸í½¢¨¸¡¸£) Ÿ¸Ê œ¸ú‡¸”ú ÷¸˜¸¸ œÏ¸½”Æ©¸›¸
ƒ¿¸ú¢›¸¡¸¢£¿Š¸ Ÿ¸Ê ¤¸ú.’½ˆÅ ¢ˆÅ¡¸¸ í¾. ”¸Á. ¢Ÿ¸ª¸ 1990 ¤¸¾¸ ˆ½Å
ž¸¸£÷¸ú¡¸ £¸¸¬¨¸ ¬¸½¨¸¸ (‚¸ƒÄ‚¸£‡¬¸) ˆ½Å ‚¢š¸ˆÅ¸£ú íÿ. „›í¸Ê›¸½
‚¸¡¸ˆÅ£ ¢¨¸ž¸¸Š¸ Ÿ¸Ê ¢¨¸¢ž¸››¸ œ¸™¸Ê œ¸£ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾ ‚¸¾£
¡¸º¨¸¸ ˆÅ¸¡¸ÄÇÅŸ¸ ‡¨¸¿ ‰¸½¥¸ Ÿ¸¿°¸¸¥¸¡¸ Ÿ¸Ê ¬¸Ê’兩 ¬’¸¢û¿ÅŠ¸
¡¸¸½¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ž¸¸£÷¸ú¡¸ ‰¸½¥¸ œÏ¸¢š¸ˆÅ£µ¸ ˆ½Å
ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ¢÷¸¢›¸¡¸º¢Æ÷¸ œ¸£ ˆÅ¸¡¸Ä
¢ˆÅ¡¸¸ í¾. ¨¸½ ž¸¸£÷¸ú¡¸ ‰¸½¥¸ œÏ¸¢š¸ˆÅ£µ¸ ˆ½Å ›¸½©¸›¸¥¸ ”¸½œ¸
’½¦¬’¿Š¸ ¥¸¾¤¸ ˆ½Å œÏ˜¸Ÿ¸ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú,
Ÿ¸¸¿¢’¥¸ Ÿ¸Ê ž¸¸£÷¸ú¡¸ œÏ¢÷¸¢›¸¢š¸ ˆ½Å ³Åœ¸ Ÿ¸½¿ ¨¸¥”Ä ‡¿’ú
”¸½¢œ¸¿Š¸ ‡¸Ê¬¸ú ˆ½Å ¬¸¿¬˜¸¸œ¸ˆÅ ¬¸™¬¡¸ ÷¸˜¸¸ í¾™£¸¤¸¸™ Ÿ¸Ê
®¸½°¸ú¡¸ ¢ûÅ¥Ÿ¸ œÏŸ¸¸µ¸›¸ ‡¨¸¿ ¬¸Ê¬¸£ ¤¸¸½”Ä ˆ½Å ¬¸™¬¡¸ ˆ½Å ³Åœ¸
Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£ ¸ºˆ½Å íÿ. ©¸¸½š¸ Ž¸°¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¡¸¸½Š¸, ¬¸Ÿ¸÷¨¸,
Ÿ¸›¸¸½™©¸¸, ¬¸¿¬˜¸¸ Ÿ¸Ê ¢›¸µ¸Ä¡¸›¸ ®¸Ÿ¸÷¸¸ ‚¸¾£ ¬¸¿¬˜¸¸Š¸÷¸
¬¸¼¸›¸¸÷Ÿ¸ˆÅ÷¸¸ Ÿ¸Ê ¢¨¸ˆ¼Å¢÷¸ ‚¸¢™ ¢¨¸«¸¡¸¸Ê œ¸£ ¬¸½¢Ÿ¸›¸¸£ Ÿ¸Ê ¨¸½
9 œ¸¸½Ä œÏ¬÷¸º÷¸ ˆÅ£ ¸ºˆ½Å íÿ. ž¸¸£÷¸ú¡¸ ¨¸½™ ‚¸¾£ ¤¸º¢ÖŸ¸î¸¸ ˆ½Å
œ¸¢£œÏ½®¡¸ Ÿ¸Ê ¨¸½ ¬¸¿Š¸“›¸ ‡¨¸¿ Ÿ¸¸›¸¨¸ ¨¡¸¨¸í¸£ ˆ½Å œÏ¢©¸®¸ˆÅ
íÿ.
Dr. Madnesh Kumar Mishra aged 51 years is a Joint Secretary,
Department of Financial Services, Ministry of Finance, Government
of India and has been appointed as Government Nominee Director on
the Board of the Bank w.e.f. July 22, 2016. He has done Ph.D. in
Organisational Behaviour from XLRI, Jameshdpur and B.Tech in
Production Engineering.
Dr. Mishra is an officer of Indian Revenue Service (IRS)
belonging to 1990 batch. He has worked in various capacities in
Income Tax Department and on deputation in Ministry of Youth
affairs and Sports as Executive Director of Sports Authority of
India under Central Staffing Scheme. He was the first Chief
Executive Officer of National Dope Testing Lab of Sports Authority
of India, founding member of World Anti-Doping Agency representing
India at Montreal, member of Regional Film Certification &
Sensor Board at Hyderabad. As a Research Scholar, he has presented
9 papers in Seminars on topics related to Yoga, Samatva,
Mindfulness, Distortion in sense making in Organization and
Organisational Creativity. He is trainer in Organization and Human
Behavior from the perspective of Indian Scriptures and Wisdom.
”¸Á. Ÿ¸™›¸½©¸ ˆºÅŸ¸¸£ ¢Ÿ¸ª¸¬¸£ˆÅ¸£ ׸£¸ ›¸¸¢Ÿ¸÷¸¢›¸™½©¸ˆÅ
Dr. Madnesh KumarMishraGovernment NomineeDirector
-
8 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
ˆÊÅÍú¡¸ ¤¸ÿˆÅ£ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚œ¸›¸¸ ˆ¾Å¢£¡¸£ ‚¸£¿ž¸ ˆÅ£›¸½ ¨¸¸¥¸½
÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ Ÿ¸Ê Ÿ¸º‰¡¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ‚¢›¸¥¸
ˆºÅŸ¸¸£ ¢Ÿ¸ª¸ ˆÅ¸ ¥¸Š¸ž¸Š¸ 3 ™©¸ˆÅ¸Ê ˆÅ¸ ¢¨¸î¸ú¡¸ ®¸½°¸ ˆÅ¸
‚¿÷¸£-ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ ‚›¸ºž¸¨¸ í¾, ¢¸¬¸Ÿ¸Ê ž¸¸£÷¸ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿
Š¸¾£-¤¸ÿ¢ˆ¿ÅŠ¸ †µ¸ Ÿ¸š¡¸¨¸÷¸úÄ ¬¸¿¬˜¸¸‚¸Ê ˆÅ¸ ¢¨¸¢›¸¡¸Ÿ¸ ‡¨¸¿
œ¸¡¸Ä¨¸½®¸µ¸ ¬¸¿¤¸¿š¸ú ‚›¸ºž¸¨¸ ¢¨¸©¸½«¸ „¥¥¸½‰¸›¸ú¡¸ í¾. ƒ›¸ˆ½Å
‚¿÷¸£¸Ä«’ïú¡¸ ‚›¸ºž¸¨¸¸Ê Ÿ¸Ê ‚¸£¤¸ú‚¸ƒÄ ˆÅú ‚¸½£ ¬¸½ ûŸƒ›¸Ê¢©¸¡¸¥¸
¬’½¢¤¸¢¥¸’ú ¤¸¸½”Ä (‡ûҬ¸¤¸ú) Ÿ¸Ê ¬¸¸õ½ ¸¸£ ¨¸«¸Ä ˆÅú
œÏ¢÷¸¢›¸¡¸º¢Æ÷¸ ž¸ú ©¸¸¢Ÿ¸¥¸ í¾, ¸¸½ ¤¸ÿˆÅ ûŸÁ£ ƒ¿’£›¸½©¸›¸¥¸
¬¸½’¥¸Ÿ¸Ê’, ¤¸¸¬¸½¥¸, ¦¬¨¸’ø£¥¸ÿ” ׸£¸ ‚¸¡¸¸½¢¸÷¸ ˜¸ú. ‡ûҬ¸¤¸ú
(¸¸½ ¸ú-20 ˆÅú ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸ˆÅ ƒˆÅ¸ƒÄ í¾ ‚¸¾£ ¨¸¾¢æ¸ˆÅ ¢¨¸î¸ú¡¸
¦¬˜¸£÷¸¸ ˆ½Å ¢¨¸ˆÅ¸¬¸ í½÷¸º ‚¿÷¸£¸Ä«’ïú¡¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ¢›¸š¸¸Ä£µ¸
ˆÅ¸¡¸Ä ˆ½Å ¬¸Ÿ¸›¨¸¡¸›¸ Ÿ¸Ê ƒ¬¸ˆÅú ¸ú-20 ‚¢š¸™½¢©¸÷¸ ¢¨¸©¸½«¸
ž¸»¢Ÿ¸ˆÅ¸ í¾) ˆ½Å ¬¸¢¸¨¸¸¥¸¡¸ ¬¸™¬¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „›íÊ ‚›¸½ˆÅ
¨¸¾¢æ¸ˆÅ œÏµ¸¸¥¸úŠ¸÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸
¢¨¸¢ž¸››¸ ®¸½°¸Š¸÷¸ ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ú¡¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¨¸ „›íÊ ¬¸º¥¸¸¸›¸½ ˆÅ¸ ‚¨¸¬¸£ ¢Ÿ¸¥¸¸. ¨¸½ 65 ¬¸½
‚¢š¸ˆÅ ™½©¸¸Ê Ÿ¸Ê ¦¬˜¸÷¸ 6 ¢¨¸æ¸¬÷¸£ú¡¸ ¬¸¥¸¸íˆÅ¸£ ¬¸Ÿ¸»í¸Ê ˆ½Å
Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‡ûҬ¸¤¸ú ‚¸„’£ú¸ ¬’ï½’¸ú ˆ½Å ¸¢£¡¸½ ¢¨¸î¸ú¡¸ ®¸½°¸
Ÿ¸Ê ¬¸ºš¸¸£ ˆ½Å ¢¥¸‡ ¸ú-20 ׸£¸ ¬¸Ÿ¸¢˜¸Ä÷¸ œÏŸ¸º‰¸ ¨¸¾¢æ¸ˆÅ œ¸í¥¸¸Ê
ˆ½Å œÏ¬¸¸£ Ÿ¸Ê ¤¸¸£úˆÅú ¬¸½ ¬¸¦ŸŸ¸¢¥¸÷¸ ˜¸½. ƒ›í¸Ê›¸½ ‡ûҬ¸¤¸ú ˆÅú
¸ú-20 ‚¸™½¢©¸÷¸ Š¸¨¸›¸½ô¬¸ ¬¸ºš¸¸£ œÏ¢ÇÅ¡¸¸ ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½
‡¨¸¿ „¬¸ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ Ÿ¸Ê ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä ž¸»¢Ÿ¸ˆÅ¸
¢›¸ž¸¸¡¸ú. ¨¸½ ¤¸›¸¸£¬¸ ¢í›™» ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ¬¸½ ¢¤¸¸›¸½¬¸
Ÿ¸¾›¸½¸Ÿ¸Ê’ ÷¸˜¸¸ í¸¨¸Ä”Ä ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ¬¸½ œ¸¦¤¥¸ˆÅ
‡”¢Ÿ¸¢›¸¬’ｩ¸›¸ Ÿ¸Ê ¬›¸¸÷¸ˆÅ¸½î¸£ íÿ.As a career central banker,
Shri Anil Kumar Misra a Chief General Manager with the Reserve Bank
of India (RBI), Central Office, Mumbai, has over three decades of
cross-functional financial-sector experience, with significant
exposure to regulation and supervision of the Indian banking and
non-banking credit intermediaries.
His international experience includes four-and-a-half years’
secondment from the RBI to the Financial Stability Board (FSB),
hosted by the Bank for International Settlements, Basel,
Switzerland. As a Member of Secretariat of the FSB (which is the
financial-regulatory arm of the G20 and has a unique G20-mandated
role in coordinating the work of the international standard setters
for promoting global financial stability), he gained rich exposure
to a range of global systemic issues and the evolution of various
cross-sectoral International Financial Standards to address them.
He was closely involved in disseminating the major G20-endorsed,
global initiatives for financial sector reforms through the FSB’s
outreach strategy via its world-wide six Regional Consultative
Groups, comprising over 65 countries. He also made critical
contribution to evolving and implementing the G20-mandated
governance reforms of the FSB, which led to structural changes in
the FSB.
He holds Master’s degrees in Business Management (Banaras Hindu
University) and in Public Administration (Harvard University,
USA).
ªú ‚¢›¸¥¸ ˆºÅŸ¸¸£ ¢Ÿ¸ª¸ ž¸¸¢£¤¸ÿ ׸£¸ ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ
Shri Anil Kumar MisraRBI Nominee Director
Dr. K. Ramesha Part time Non-Official Director
”¸Á. ˆ½Å.£Ÿ¸½©¸ ‚¿©¸ˆÅ¸¢¥¸ˆÅ Š¸¾£ ¬¸£ˆÅ¸£ú ¢›¸™½©¸ˆÅ
” Á̧. ½̂Å. £Ÿ ½̧©¸ › ½̧ ¢”œ¸¸’ÄŸ Ȩ̂’ ‚ Á̧ûÅ œ¸ ½̧¬’ ŠÏ½ º̧‡’
¬’”ú¸ ‡µ” ¢£¬¸ Ä̧ ƒ›¸ ƒˆÅ ½̧›¸ Á̧¢Ÿ¸Æ¬¸, Ÿ ¾̧¬ »̧£ ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸
Ÿ Ȩ̂ 4 ¨¸« Ä̧ ÷¸ˆÅ œÏ¨¸Æ÷¸¸ ½̂Å ³Åœ¸ Ÿ Ȩ̂ ˆÅ¸¡ Ä̧ ˆÅ£› ½̧ ½̂Å
œ¸ä¸¸÷ Ã̧ 1986 Ÿ Ȩ̂ ½̂Å£¥¸ ¼̂Å¢«¸ ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ Ÿ Ȩ̂ ¬¸í¸¡¸ˆÅ œÏ
½̧û½Å¬¸£ ˆÅ¸ œ¸™ž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸. ƒ¬¸ ½̂Å ¤¸¸™ „›í Ȩ̂› ½̧ ›
½̧©¸›¸¥¸ ƒ¿¬’ú’á »̧’ ‚ Á̧ûÅ ²Å£¥¸ ¤ ÿ̧¢ ¿̂ÅŠ¸ Ÿ Ȩ̂ ¬ ¿̧̂ Ÿ¡¸
¬¸™¬¡¸ ½̂Å ³Åœ¸ Ÿ Ȩ̂ ˆÅ¸¡ Ä̧ ¢ˆÅ¡¸¸. ¨¸« Ä̧ 1996 Ÿ Ȩ̂ „›í Ȩ̂› ½̧
£¸«’ïú¡¸ ¤ ÿ̧̂ Å œÏ¤ ¿̧š¸ ¬ ¿̧¬˜¸¸›¸ Ÿ Ȩ̂ ˆÅ¸¡ Ä̧ ŠÏíµ¸ ¢ˆÅ¡¸¸.
‡›¸‚¸ƒÄ¤¸ú‡Ÿ¸ Ÿ Ȩ̂ œÏ ½̧û½Å¬¸£ ½̂Å ³Åœ¸ Ÿ Ȩ̂ ” Á̧. £Ÿ ½̧©¸ ¬›¸¸÷¸ˆÅ
½̧ ¢©¸®¸µ¸, ˆÅ Á̧œ¸ ½̧Ä£½’ œÏ¢©¸®¸µ¸ ‚ ¾̧£ ©¸ ½̧š¸/ œ¸£¸Ÿ¸© Ä̧
Š¸¢÷¸¢¨¸¢š¸¡¸ Ȩ̂ Ÿ Ȩ̂ ¬¸¢ÇÅ¡¸ íÿ. œ º̧µ ½̧ ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸ ½̂Å ©¸
½̧š¸ Ž¸°¸ Ȩ̂ ˆÅ ½̧ ¤ ÿ̧¢ ¿̂ÅŠ¸ ‚ ¾̧£ ¢¨¸î¸ Ÿ Ȩ̂ Ÿ¸¸Š Ä̧™© Ä̧›¸ ™½›
½̧ ½̂Å ‚¥¸¸¨¸¸ ” Á̧. £Ÿ ½̧©¸ › ½̧ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¸› Ä̧¥¸ ‚ ¾̧£
¢¨¸‰¡¸¸÷¸ œ¸¢°¸ˆÅ¸‚ Ȩ̂ Ÿ Ȩ̂ ¬¸¸Ÿ¸¸›¡¸ ¤ ÿ̧¢ ¿̂ÅŠ¸, ‡¬¸‡Ÿ¸ƒÄ ¢¨¸î¸,
Ÿ¸¸ƒÇÅ ½̧ ǽŢ”’/ ‡¬¸‡¸¸ú, ˆÅ ½̧-‚ Á̧œ¸£½¢’¨¸ ¤ ÿ̧¢ ¿̂ÅŠ¸ ‚ ¾̧£
¢£’½¥¸ ¢¨¸î¸ ¬ ½̧ ¬ ¿̧¤ ¿̧¢š¸÷¸ ‚› ½̧̂ Å ©¸ ½̧š¸ ¥ ½̧‰¸ œÏˆÅ¸¢©¸÷¸
¢ˆÅ‡ íÿ.
”¸Á. £Ÿ¸½©¸ ›¸½ ‡›¸‚¸ƒÄ¤¸ú‡Ÿ¸ Ÿ¸Ê ”ú›¸, ‡¡¸»ˆ½Å©¸›¸ ̂ ½Å ³Åœ¸
Ÿ¸Ê ̂ Ÿ¡¸Ä ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ̈ ¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ̈ ¸½ ”ú›¸, ©¸¸½š¸ ̂ ½Å
³Åœ¸ Ÿ¸Ê œ¸™¬˜¸ íÿ. „›í¸Ê›¸½ ¤¸ÿˆÅ£¸Ê ˆ½Å ¢¥¸‡ ‚›¸½ˆÅ „¸/ ¨¸¢£«“
¬÷¸£ú¡¸ œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸¸Ê, ˆÅ¸¡¸Ä©¸¸¥¸¸‚¸Ê ‚¸¾£ ¬¸½¢Ÿ¸›¸¸£¸Ê
ˆÅú ³Åœ¸£½‰¸¸ ÷¸¾¡¸¸£ ˆÅ£ ƒ›¸ˆÅ¸ ¬¸ûÅ¥¸ ‚¸¡¸¸½¸›¸ ¢ˆÅ¡¸¸ í¾.
‡›¸‚¸ƒÄ¤¸ú‡Ÿ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ŠÏíµ¸ ˆÅ£›¸½ ¬¸½ œ¸»¨¸Ä ‡¨¸¿ œ¸ä¸¸÷¸Ã
„›í¸Ê›¸½ ©¸¸½š¸ ‡¨¸¿ œ¸£¸Ÿ¸©¸úÄ œ¸¢£¡¸¸½¸›¸¸‚¸Ê Ÿ¸Ê ¬¸íž¸¸¢Š¸÷¸¸
‡¨¸¿ „›¸ˆ½Å ¬¸Ÿ¸›¨¸¡¸ ˆÅ¸ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾. ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ”¸Á.
£Ÿ¸½©¸ ¬¸™›¸Ä ƒ¿¢”¡¸›¸ ¤¸ÿˆÅ ¬’¸ûÅ ’ï½¢›¸¿Š¸ ˆÅ¸Á¥¸½¸ ˆ½Å ¤¸¸½”Ä
Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ íÿ.
-
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017 9
Dr. K. Ramesha, after serving the Department of Post Graduate
Studies and Research in Economics, University of Mysore as a
Lecturer for 4 years, joined Kerala Agricultural University as an
Assistant Professor in 1986. Subsequently, he worked for National
Institute of Rural Banking as a member of faculty. He joined
National Institute of Bank Management in 1996. As a Professor at
NIBM, Dr. Ramesha is engaged in post graduate teaching, corporate
training and research/consulting activities. Apart from guiding
Ph.D students of University of Pune in the area of Banking and
Finance, Dr. Ramesha has published several research papers in
professional journals and reputed magazines mainly in the areas of
General Banking, SME Finance, Micro Credit /SHGs, Co-operative
Banking and Retail Finance.
Dr. Ramesha has served as Dean – Education in the past and
currently serving as Dean – Research at NIBM. He has designed and
organised several top/senior level training programmes, workshops
and seminars for bankers. He has also participated and coordinated
several research/consultancy assignments before and after joining
NIBM. Currently, Dr. Ramesha is also serving on the Board of
Southern Indian Banks Staff Training College.
Dr. Ravindrarai Harshadrai DholakiaShareholder Director
”¸Á. £¨¸ú¿Í£¸¡¸ í«¸Ä™£¸¡¸ š¸¸½§¢ˆÅ¡¸¸ ©¸½¡¸£š¸¸£ˆÅ ¢›¸™½©¸ˆÅ
‚ퟸ™¸¤¸¸™ ¢›¸¨¸¸¬¸ú 64 ¨¸«¸úÄ¡¸, ”¸Á. š¸¸½§¢ˆÅ¡¸¸ ‚¸ƒÄ‚¸ƒÄ‡Ÿ¸
‚ퟸ™¸¤¸¸™ Ÿ¸Ê ‚˜¸Ä©¸¸¬°¸ ‡¨¸¿ œ¸¦¤¥¸ˆÅ ¢¬¸¬’Ÿ¸ ˆ½Å œÏ¸½û½Å¬¸£ íÿ
‚¸¾£ „›íÊ 40 ¨¸«¸¸½ô ˆÅ¸ ‚›¸ºž¸¨¸ í¾. ¨¸½ Ÿ¸¸¬’£ ‚¸ÁûÅ ‚¸’ì¸Ä
(Š¸¸½¥” Ÿ¸½”¢¥¸¬’), œ¸ú‡¸”ú ‚˜¸Ä©¸¸¬°¸ (‡Ÿ¸‡¬¸¡¸», ¤¸”õ¸¾™¸) ÷¸˜¸¸
œ¸¸½¬’- ”¸ÁÆ’¸½£¥¸ ûö½Å¥¸¸½ (¡¸»¢›¸¨¸¢¬¸Ä’ú ‚¸ÁûÅ ’¸½£¿’¸½) íÿ.
¨¸½ ‚™¸›¸ú ’︿¬¸¢Ÿ¸©¸›¸ ¢¥¸¢Ÿ¸’½” ÷¸˜¸¸ Š¸º¸£¸÷¸ ¬’½’
œ¸½’︽¢¥¸¡¸Ÿ¸ ˆÅ¸œ¸¸½Ä£½©¸›¸ ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¢›¸™½©¸ˆÅ
íÿ.
¨¸½ Ž“Ê ˆÊÅÍú¡¸ ¨¸½÷¸›¸ ‚¸¡¸¸½Š¸ ˆ½Å ¬¸™¬¡¸ ˜¸½ ÷¸˜¸¸ ž¸¸£÷¸
¬¸£ˆÅ¸£ ‡¨¸¿ Š¸º¸£¸÷¸ £¸¡¸ ¬¸£ˆÅ¸£ ׸£¸ ¢›¸¡¸ºÆ÷¸ ¢¨¸¢ž¸››¸
„¸¸¢š¸ˆÅ¸£ œÏ¸œ÷¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê Ÿ¸Ê „›í¸Ê›¸½ ¢¨¸©¸½«¸±¸ ¬¸™¬¡¸ ˆ½Å ³
œ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾. „›í¸Ê›¸½ ‚¸¢˜¸ÄˆÅ ¢¨¸ˆÅ¸¬¸ ‡¨¸¿ ›¸ú¢÷¸ ˆ½Å
®¸½°¸ Ÿ¸Ê ‚›¸½ˆÅ œ¸º¬÷¸ˆÊÅ, ¢¨¸¢›¸¤¸¿š¸ ‡¨¸¿ ©¸¸½š¸ œ¸°¸ œÏˆÅ¸¢©¸÷¸
¢ˆÅ¡¸½ íÿ.
Dr. Ravindrarai Harshadrai Dholakia from Ahmedabad aged 64 years
is a Professor of Economics and Public Systems in IIM Ahmedabad and
has 40 years of experience. He is Master of Arts (Gold Medalist),
Ph.D. in Economics (MSU, Baroda) and Post-Doctoral Fellow (Univ. of
Toronto).
He is a Director on the Boards of Adani Transmission Limited and
Gujarat State Petroleum Corporation Limited.
He was a Member of the Sixth Central Pay Commission and has
worked as an expert Member on numerous High Powered Committees
appointed by the Government of India and State Government of
Gujarat. He has published several books, monographs and research
papers in the field of Economic Development and Policies.
¥¸‰¸›¸… ¢›¸¨¸¸¬¸ú 64 ¨¸«¸úÄ¡¸ ªú ¥¸¸“ ¥¸‰¸›¸… ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸
¬¸½ ¬¨¸µ¸Ä œ¸™ˆÅ ¬¸¢í÷¸ ¨¸¸¢µ¸¡¸ Ÿ¸Ê ¬›¸¸÷¸ˆÅ íÿ ÷¸˜¸¸ ¸¸’Ä”Ä
‡ˆÅ¸„¿’Ê’ ˆÅú œÏ¾¦Æ’¬¸ ˆÅ¸ „›íÊ 40 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ‚›¸ºž¸¨¸
í¾. ¨¸½ 30 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ¬¸½ Ÿ¸½¬¸¬¸Ä ‡. ¬¸¸™½¨¸ ‡¿”
ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„¿’ʒì¸, ¥¸‰¸›¸… ˆ½Å ¨¸¢£«“ œÏ¤¸¿š¸ ž¸¸Š¸ú™¸£
íÿ.
ªú ¥¸¸“ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ öö"œ¸ú‚£ ¢£¨¡¸»¨¸£'' ˆ½Å œ¸¾›¸¥¸ Ÿ¸Ê
›¸¸¢Ÿ¸÷¸ íÿ ÷¸˜¸¸ ¢œ¸Ž¥¸½ ˆºÅŽ ¨¸«¸¸½ô Ÿ¸Ê „›í¸Ê›¸½ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ
¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚›¸º³ œ¸ ¢¨¸¢ž¸››¸ ¬¸ú‡ ûÅŸ¸¸½ô ˆÅú ¬¸Ÿ¸ˆÅ®¸
¬¸Ÿ¸ú®¸¸ ˆÅú í¾. ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¨¡¸¸œ¸ˆÅ
‚›¸ºž¸¨¸ ˆ½Å ‚¢÷¸¢£Æ÷¸ „›í¸Ê›¸½ ¢›¸¸ú ‡¨¸¿ ¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ ˆ½Å
ˆÅƒÄ ¢›¸Š¸Ÿ¸¸Ê, ¤¸úŸ¸¸ ˆ¿Åœ¸¢›¸¡¸¸Ê, ¬˜¸¸›¸ú¡¸ ¢›¸ˆÅ¸¡¸¸Ê, ˆÊÅÍú¡¸
¬¸íˆÅ¸£ú ¬¸¢Ÿ¸¢÷¸¡¸¸Ê, ¬¸£ˆÅ¸£ú ¢¨¸ž¸¸Š¸¸Ê ‡¨¸¿ ¢¨¸æ¸ ¤¸ÿˆÅ ¬¸½
¬¸í¸¡¸÷¸¸ œÏ¸œ÷¸ ˆÅƒÄ œ¸¢£¡¸¸½¸›¸¸‚¸Ê ˆÅú ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆÅú
¥¸½‰¸¸œ¸£ú®¸¸ ‡¨¸¿ ‚›¡¸ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾.
ªú ¥¸¸“ ``ªŸ¸ ‡¨¸¿ £¸½¸Š¸¸£ Ÿ¸¿°¸¸¥¸¡¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£'' ׸£¸
›¸¸¢Ÿ¸÷¸ ``¬˜¸¸¡¸ú ¢°¸œ¸®¸ú¡¸ ¬¸¢Ÿ¸¢÷¸'' ÷¸˜¸¸ ›¡¸»›¸÷¸Ÿ¸ Ÿ¸¸™»£ú
œ¸£¸Ÿ¸©¸Ä™¸°¸ú ¤¸¸½”Ä'' ˆ½Å ž¸ú ¬¸™¬¡¸ ˜¸½.
„ œÏ™½©¸ Ÿ¸Ê ¢›¸¸ú ƒ¿¸ú¢›¸¡¸¢£¿Š¸ ˆÅ¸Á¥¸½¸¸Ê Ÿ¸Ê ûÅú¬¸
¢›¸š¸¸Ä£µ¸ ˆ½Å ¢¥¸‡ Š¸¢“÷¸ „¸¸¢š¸ˆÅ¸£ œÏ¸œ÷¸ ¬¸¢Ÿ¸¢÷¸ Ÿ¸Ê ž¸ú „›íÊ
„ œÏ™½©¸ ¬¸£ˆÅ¸£ ׸£¸ ›¸¸¢Ÿ¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
Shri Gopal Krishan Lath Shareholder Director
ªú Š¸¸½œ¸¸¥¸ ˆ¼Å«µ¸ ¥¸¸“ ©¸½¡¸£š¸¸£ˆÅ ¢›¸™½©¸ˆÅ
-
10 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
”¸Á. „¸ ˆºÅŸ¸¸£ ¬¸£ˆÅ¸£ ›¸½ ‚¸ƒÄ‚¸ƒÄ’ú ‰¸”õŠ¸œ¸º£ ¬¸½
ˆÅŸœ¡¸»’£ ¬¸¸ƒ¿¬¸ ‡¨¸¿ ƒ¿¸ú¢›¸¡¸¢£¿Š¸ Ÿ¸Ê ‚œ¸›¸ú ¤¸ú. ’½ˆÅ,
‡Ÿ¸.’½ˆÅ ÷¸˜¸¸ œ¸ú‡¸”ú ˆÅú „œ¸¸¢š¸ œÏ¸œ÷¸ ˆÅú. ‡ˆÅ ¤¸íº£¸«’ïú¡¸
¢”¸¸ƒ›¸ ‚¸’¸½Ÿ¸½©¸›¸ ˆ¿Åœ¸›¸ú Ÿ¸Ê „¸ œ¸™ œ¸£ ÷¸˜¸¸ ‚¸ƒÄ‚¸ƒÄ’ú
¢™¥¥¸ú Ÿ¸Ê ¬¸í¸¡¸ˆÅ œÏ¸½û½Å¬¸£ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆ½Å
„œ¸£¸¿÷¸ ¨¸«¸Ä 1997 ¬¸½ ¨¸½ ‚¸ƒÄ‚¸ƒÄ‡Ÿ¸ ˆÅ¥¸ˆÅ Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ íÿ,
¸í¸¿ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ¨¸½ Ÿ¸¾›¸½¸Ÿ¸Ê’ ƒ›ûŸŸ¸½Ä©¸›¸ ¢¬¸¬’Ÿ¸ ŠÏºœ¸ Ÿ¸Ê
œÏ¸½û½Å¬¸£ ÷¸˜¸¸ ›¡¸» ƒ¢›¸¢©¸‡¢’¨¬¸ ‡µ” ‡Æ¬¸’›¸Ä¥¸ ¢£¥¸½©¸¿¬¸ ˆ½Å
”ú›¸ ž¸ú íÿ. „›í¸Ê›¸½ 4 ¨¸«¸Ä ÷¸ˆÅ É¥¸¸½¢£”¸, ¡¸»‡¬¸‡ ˆÅú ‡ˆÅ
¡¸»¢›¸¨¸¢¬¸Ä’ú Ÿ¸Ê ¢¨¸¢¸¢’¿Š¸ û¾ÅˆÅ¥’ú ˆ½Å ²Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸.
„›¸ˆÅú Ÿ¸»¥¸ ‚š¡¸¸œ¸›¸ ²Å¢¸¡¸¸Ê Ÿ¸Ê ”¸’¸ Ÿ¸¸ƒ¢›¸¿Š¸ ÷¸˜¸¸ ¢¤¸¸›¸½¬¸
‡›¸¸¢¥¸¢’Ƭ¸ ©¸¸¢Ÿ¸¥¸ íÿ. „›¸ˆ½Å ©¸¸½š¸ œ¸°¸ ˆÅƒÄ œÏŸ¸º‰¸
‚¿÷¸£¸Ä«’ïú¡¸ ¸›¸Ä¥¸¸½¿ Ÿ¸Ê œÏˆÅ¸¢©¸÷¸ íº‡ íÿ. „›í¸Ê›¸½ ¢©¸®¸¸,
‰¸¸Ô¸ œÏ¬¸¿¬¸ˆÅ£µ¸, ˆ¼Å¢«¸ ÷¸˜¸¸ ‚¸’¸½Ÿ¸½©¸›¸ ˆ½Å ®¸½°¸ Ÿ¸Ê ž¸¸£÷¸
¬¸£ˆÅ¸£ ˆ½Å ˆÅƒÄ œ¸£¸Ÿ¸©¸úÄ „™¸¢¡¸÷¨¸¸Ê ˆÅ¸ ¢›¸¨¸Ä훸 ¢ˆÅ¡¸¸
í¾.
Dr. Uttam Kumar Sarkar did his B.Tech, M.Tech, and Ph.D. in the
Department of Computer Science and Engineering of IIT Kharagpur.
Having served a Design Automation Multinational Industry in a
senior position and IIT Delhi as an Assistant Professor, he is with
IIM Calcutta since 1997 where he is presently a Professor in
Management Information System Group and also the Dean of New
Initiatives and External Relations. He had spent four years as a
visiting faculty in a University in Florida, USA. His primary
teaching interests include data mining and business analytics. His
research publications appeared in major international journals and
he carried consulting assignments for the Government of India in
areas including education, food processing, agriculture and
automation.
”¸Á. „¸ ˆºÅŸ¸¸£ ¬¸£ˆÅ¸£©¸½¡¸£š¸¸£ˆÅ ¢›¸™½©¸ˆÅ
Shri Gopal Krishan Lath from Lucknow aged 64 years is a commerce
graduate with gold medal from Lucknow University and is a
practicing Chartered Accountant with more than 40 years of
experience. He is a senior managing partner of M/s. A. Sachdev
& Co., Chartered Accountants, Lucknow since more than 30
years.
Shri Lath is in the panel of “Peer Reviewers” nominated by the
ICAI and has also conducted peer reviews of various CA firms in
accordance with the ICAI regulations in the last few years. Apart
from vast experience of audits of banking industry, he has also
handled various types of audit and other assignments of many
private and public sector corporations, insurance companies, local
bodies, central cooperative societies, government departments and
several World Bank aided projects.
Shri Lath was also a member of the “Standing Tripartite
Committee” and “Minimum Wages Advisory Board” nominated by the
“Ministry of Labour and Employment, Government of India”.
He was also nominated by the Government of UP in the High
Powered Committee constituted for fixation of fees of private
engineering colleges in U.P.
Dr. Uttam Kumar Sarkar Shareholder Director
-
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017 1111
1 ªú œ¸¿ˆÅ¸ ©¸Ÿ¸¸Ä Shri Pankaj Sharma
2 ªúŸ¸÷¸ú £½‰¸¸ œ¸ú ›¸¸¡¸ˆÅ Smt Rekha P Nayak
3 ªú ‚¸£ ˆ½Å ¸¸¾š¸£ú Shri R K Choudhary
4 ªú ¸ú ‚¸£ œ¸¸”¥¸ˆÅ£ Shri G R Padalkar
5 ªú ‡¥¸ ”ú £½¨¸÷¸ˆÅ£ Shri L D Rewatkar
6 ªú ‡ ˆ½Å ™ú¢®¸÷¸ Shri A K Dixit
7 ªú ”ú ”ú ¢Ÿ¸¬°¸ú Shri D D Mistry
8 ªú œ¸ú ¬¸ú œ¸¸¢µ¸ŠÏíú Shri P C Panigrahi
9 ªú ‚¸£ ˆ¿Å”¸¬¸¸Ÿ¸ú Shri R kandasamy
10 ªú ¬¸¿¸¡¸ ©¸Ÿ¸¸Ä Shri Sanjay Sharma
11 ªú ¨¸ú ¨¸ú ©¸½›¸¸¡¸ Shri V V Shenoy
12 ªú ‚¸£ ‚¸£ Ÿ¸¸½í¿÷¸ú Shri R R Mohanty
13 ªú ‡¸ ‡›¸ ¬¸Æ¬¸½›¸¸ Shri H N Saxena
14 ªúŸ¸÷¸ú Ÿ¸¸½¢›¸ˆÅ¸ ˆÅ¸¢¥¸¡¸¸ Smt Monika Kalia
15 ªú œ¸ú ‚¸£ £¸¸Š¸¸½œ¸¸¥¸ Shri P R Rajagopal
16 ªú ¨¸ú œ¸ú „¬¸¸¢£¡¸¸ Shri V P Usharia
17 ªú ‚¸£ £¸Ÿ¸›¸¸˜¸›¸ Shri R Ramanathan
18 ªú ‡¬¸ ˆ½Å Ÿ¸í¸œ¸¸°¸¸ Shri S K Mohapatra
19 ªú ¤Ï¸½æ¸£ ©¸Ÿ¸¸Ä Shri Brajeshwar Sharma
20 ªú ¥¸¸¥¸ ¢¬¸¿í Shri Lal Singh
21 ªú ”ú ¬¸ú ¸¸¾í¸›¸ Shri D C Chauhan
22 ªú ‡¬¸ ‡›¸ ˆÅ¸¾¢©¸ˆÅ Shri S N Kaushik
23 ªú ˆ½Å ‡¥¸ £¸¸» Shri K L Raju
24 ªú œ¸ú ˆ½Å ¬¸¸í¸ Shri P K Saha
25 ªú ˆ½Å©¸¨¸ ¤¸¾¸¥¸ Shri Keshav Baijal
26 ªú ‚¸ƒÄ ‡ ‰¸¸›¸ Shri I A Khan
27 ªú ˆ½Å œ¸ú ‚¸¸¸¡¸Ä Shri K P Acharya
28 ªú ‡ ˆ½Å ¢¬¸¿í Shri A K Singh
29 ªú ‡Ÿ¸ ¨¸ÊˆÅ’½©¸ Shri M Venkatesh
30 ªú £¢¨¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ Shri Ravi Kumar Gupta
31 ªú ¬¸ú ‡¬¸ ¬¸º¥¸Š¸¿’½ Shri C S Sulgante
Ÿ¸í¸ œÏ¤¸¿š¸ˆÅ - GENERAL MANAGER
-
12 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä
2015-201612
„œ¸ Ÿ¸í¸ œÏ¤¸¿š¸ˆÅ - Dy. GENERAL MANAGER1 ªú ‡¬¸ ‡¸ ˆ¿Å˜¸¸¢£¡¸¸
Shri S H Kantharia2 ªú ‚¢›¸¥¸ ˆºÅ£ú¥¸ Shri Anil Kuril3 ªú ¨¸ú ‡Ÿ¸
ˆÅ¸˜¸¨¸’½ Shri V M Kathavate4 ªú ”ú ¢©¸¨¸Š¸º² Shri D Sivaguru5 ªú
¢›¸÷¸½©¸ £¿¸›¸ Shri Nitesh Ranjan6 ªú ‚¸£ œ¸ú ¨¸¸¡¸ˆºÅ¥¸ Shri R P
Waykul7 ªú ¤¸ú ‡¬¸ ›¸¸Š¸½›Í ›¸¸˜¸ Shri B S Nagendra Nath8 ªú ¬¸ú
‚¸£ œ¸¸°¸¸ Shri C R Patra9 ªú ‡ ˆ¼Å«µ¸¸¬¨¸¸Ÿ¸ú Shri A
Krishnaswamy10 ªú ”ú ‡ ˆÅ¸Ÿ¸÷¸ Shri D A Kamath 11 ªú ‚¸£ ˆ½Å
ˆÅ©¡¸œ¸ Shri R K Kashyap12 ªú ¨¸ú ˆ½Å ªú¨¸¸¬÷¸¨¸ Shri V K
Srivastava 13 ªú ”ú ˆ½Å ›¸¸¡¸ˆÅ Shri D K Naik14 ªú ‚¸£ ‡¬¸ ¤¸¿¬¸¥¸
Shri R S Bansal15 ªú ¨¸ú ¨¸ú ’Êž¸»µ¸½Ä Shri V V Tembhurne16 ªú ‡›¸
ˆ½Å ªú¨¸¸¬÷¸¨¸ Shri N K Srivastava 17 ªú ¤¸ú ‡¬¸ £¸¨¸ Shri B S
Rao18 ªú œ¸ú ‡¬¸ £¸¸›¸ Shri P S Rajan19 ªú ‚¸½ œ¸ú ¢›¸Š¸Ÿ¸ Shri O P
Nigam20 ªú ”ú ”ú ¬¸¿‹¸¨¸ú Shri D D Sanghavi21 ªú œ¸ú ¬¸÷¡¸›¸¸£¸¡¸µ¸
Shri P Satyanarayana22 ªú ‚¸ƒÄ ¢¨¸æ¸›¸¸˜¸›¸ Shri I Viswanathan23 ªú
¨¸ú ‡Ÿ¸ ¸¾›¸ Shri V M Jain24 ªú ‚¸£ ˆ½Å ¸Š¸¥¸¸›¸ Shri R K Jaglan25
ªú ž¸¸½¥¸¸ œÏ¬¸¸™ Shri Bhola Prasad26 ªú ¡¸¸½Š¸½›Í ¢¬¸¿í Shri
Yogendra Singh27 ªú œÏ¨¸úµ¸ ©¸Ÿ¸¸Ä Shri Pravin Sharma 28 ªú ‚÷¸º¥¸
ˆºÅŸ¸¸£ Shri Atul Kumar29 ªú ‡¬¸ ˆ½Å ¸›Í¸ Shri S K Chandra30 ªú ¨¸ú
ˆ½Å ¢¬¸¿‹¸¥¸ Shri V K Singhal31 ªú ‡ ˆ½Å ¢¬¸£¸½íú Shri A K Sirohi32
ªú ˆ½Å ‡¬¸ ‡›¸ Ÿ¸»¢÷¸Ä Shri K S N Murthy33 ªú œ¸ú ˆ½Å ¬¸¸½›¸ú Shri
P K Soni 34 ¬¸ºªú Ÿ¸ú›¸¸ ‚¸£ ‰¸››¸¸ Ms Meena R Khanna 35 ªú ‡¬¸ ˆ½Å
œ¸¸¢µ¸ŠÏíú Shri S K Panigrahi 36 ªú ‡¬¸ ‡¬¸ ¬¸£¸½¡¸¸ Shri S S
Saroya 37 ªú ¬¸ú ‡Ÿ¸ Š¸ºœ÷¸¸ Shri C M Gupta 38 ªú ¤¸ú ¤¸¸¥¸ˆ¼Å«µ¸
Shri B Balakrishna 39 ªú ‚¸ƒÄ ‡ ›¸¸£¸¡¸µ¸›¸ Shri I A Narayanan40 ªú
¬¸ú ¤¸ú ¸¸ Shri C B Jha41 ¬¸ºªú ‚¸£ ƒÄ ƒÄ£¸›¸ú Ms R E Irani42 ªú
¤¸ú ‡¬¸ ¨¸Ê’ˆ½Å©¸ Shri B S Venkatesha43 ªú ‚¸£ Š¸µ¸½©¸›¸ Shri R
Ganesan44 ªú ’ú ¨¸ú ¨¸½µ¸ºŠ¸¸½œ¸¸¥¸ Shri T V Venugopal45 ªú
ˆÅ¥¡¸¸µ¸ ˆºÅŸ¸¸£ Shri Kalyan Kumar46 ªú ‡ ˆ½Å š¸¤¸ƒÄ Shri A K
Dhabhai47 ªú ‡¬¸ ¬¸ú ÷¸½¥¸ú Shri S C Teli48 ªú ‡¬¸ ˆ½Å ‚ŠÏ¨¸¸¥¸
Shri S K Agrawal
49 ªú ‚¸©¸ú«¸ œ¸¸¿”½ Shri Asheesh Pandey 50 ªú ‡›¸ ‚¸£ ¬¸¸Ÿ¸¥¸
Shri N R Samal51 ªú ¸Š¸Ÿ¸¸½í›¸ ¢¬¸¿í Shri Jagmohan Singh52 ªú ‡¬¸
ˆ½Å Š¸Š¸Ä Shri S K Garg53 ªú ‚¸©¸º÷¸¸½«¸ ˆºÅŸ¸¸£ ©¸Ÿ¸¸Ä Shri
Ashutosh Kumar Sharma 54 ªú ‡¸ ¬¸ú ¢Ÿ¸î¸¥¸ Shri H C Mittal55
ªúŸ¸÷¸ú ¬¸º¢¸°¸¸ ˆ½Å ›¸¸£ˆÅ£ Smt Suchitra K Narkar56 ªú œ¸ú ˆ½Å
™¸¬¸ Shri P K Das57 ªú ”ú ¤¸ú ˆÅ¸¿¤¸¥¸½ Shri D B Kambale58 ªú ‡¬¸
ˆ½Å ¢¬¸¿í Shri S K Singh59 ªú ‚¸ƒÄ œ¸ú ¡¸¸™¨¸ Shri I P Yadav60 ªú
‡¬¸ ¢™¥¸úœ¸ Shri S Dilip61 ªú ¬¸ú ‡Ÿ¸ ¢Ÿ¸›¸¸½¸¸ Shri C M Minocha 62
ªú ‡›¸ ›¸¸£¸¡¸µ¸¬¸½ˆÅ£ Shri N Narayanasaker63 ªú ‚¢ž¸¸ú÷¸ ¤¸¬¸¸ˆÅ
Shri Abhijit Basak64 ªú ‡ ¨¸ú Ÿ¸£¸“½ Shri A V Marathe65 ªú ‚¿ˆ½Å©¸
‡ ¸¾›¸ Shri Ankesh A Jain 66 ªú ‡ ‡Ÿ¸ ˆºÅ¥¸ª½«“ Shri A M
Kulshrestha67 ªú ¨¸ú ˆ½Å ‡¬¸ ¬¸¸¬°¸ú Shri V K S Sastry68 ªú ˆ½Å ‡¬¸
¡¸¸™¨¸ Shri K S Yadav69 ªú £¸ˆ½Å©¸ ¸¸½œ¸”õ¸ Shri Rakesh Chopra70 ªú
‚¢‰¸¥¸½©¸ ˆºÅŸ¸¸£ Shri Akhilesh Kumar71 ªú ¨¸¸¬¸º™½¨¸›¸ ¤¸ú¸» Shri
Vasudevan Biju72 ªú ‡Ÿ¸ œ¸ú ¢¬¸¿í Shri M P Singh73 ªú ”ú ¢¸£¿¸ú¨¸ú
Shri D Chiranjeevi74 ªú ‡›¸ ˆ½Å £¸„÷¸ Shri N K Rout75 ªúŸ¸÷¸ú £¸¸ªú
¤¸Š¸¥¸£ú Smt Rajashri Baglari76 ªú ¸½ ‡¬¸ ÷¸¸½Ÿ¸£ Shri J S Tomar77
ªú ’ú ¬¸£¸¨¸›¸¾ Shri T Saravanai78 ªú ‡›¸ ‚¸£ ¸¾›¸ Shri N R Jain79
ªú £¸¸ú¨¸ ¢Ÿ¸ª Shri Rajiv Mishra80 ªú ¬¸¨¸½Ä©¸ £¿¸›¸ Shri Sarvesh
Ranjan 81 ªú ¬¸º¢Ÿ¸÷¸ ªú¨¸¸¬÷¸¨¸ Shri Sumit Srivastava 82 ªú ¸ú ¬¸ú
¸¸½©¸ú Shri G C Joshi83 ªú ‚Ÿ¸£½›Í ˆºÅŸ¸¸£ Shri Amarendra Kumar84
ªú ”ú ˆ½Å Š¸ºœ÷¸¸ Shri D K Gupta85 ªú ¢¨¸ˆÅ¸¬¸ ˆºÅŸ¸¸£ Shri Vikash
Kumar86 ªú œ¸ú ˆ½Å ªú¨¸¸¬÷¸¨¸ Shri P K Srivastava87 ªú ˆ½Å ¸½
ªú¢›¸¨¸¸¬¸ £¸¨¸ Shri K J Srinivasa Rao88 ªú ‡Ÿ¸ ‚¸£ Ÿ¸í¸¥¸½ Shri M
R Mahale89 ªú ¸ú ˆ½Å ¬¸ºš¸¸ˆÅ£ Shri G K Sudhakar90 ªú ‚¸½ ‡¬¸
ˆÅ¸£¨¸¸ Shri O S Karwa91 ªú £¿¸›¸ ˆºÅŸ¸¸£ Shri Ranjan Kumar 92 ªú
œ¸ú ‚¸£ Š¸ºœ÷¸¸ Shri P R Gupta93 ªú ‚¸£ ˆ½Å Š¸ºœ÷¸¸ Shri R K
Gupta94 ªú ¸½ ‡›¸ ©¸½“ Shri J N Sheth
-
13¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
¨¸«¸Ä 2016-17 ˆÅú œÏŸ¸º‰¸ ¤¸¸÷¸Ê
31Ÿ¸¸¸Ä,2017ˆÅ¸½¤¸ÿˆÅˆÅ¸ˆºÅ¥¸ˆÅ¸£¸½¤¸¸£9.61%ˆÅú¨¸¼¢Öˆ½Å¬¸¸˜¸`6,80,076ˆÅ£¸½”õ£í¸.
31Ÿ¸¸¸Ä,2017ˆÅ¸½¤¸ÿˆÅˆÅúˆºÅ¥¸¸Ÿ¸¸£¸¢©¸¡¸¸¿10.41%ˆÅú¨¸¼¢Öˆ½Å¬¸¸˜¸`3,78,392ˆÅ£¸½”õ£íú¿.
31Ÿ¸¸¸Ä,2017ˆÅ¸½¤¸ÿˆÅˆ½ÅˆºÅ¥¸‚¢ŠÏŸ¸8.63%¨¸¼¢Öˆ½Å¬¸¸˜¸`3,01,684ˆÅ£¸½”õ£í½.
ˆÅ¸¬¸¸¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅ¸‚¿©¸31Ÿ¸¸¸Ä,2016ˆ½Å32.35%¬¸½¬¸ºš¸£ˆÅ£31Ÿ¸¸¸Ä,2017ˆÅ¸½34.44%í¸½Š¸¡¸¸.
31Ÿ¸¸¸Ä,2017ˆÅ¸½‚¢ŠÏŸ¸¸ÊŸ¸Ê£¾Ÿ¸(¢£’½¥¸,ˆ¼Å¢«¸,‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ)®¸½°¸Ÿ¸Ê15.19%ˆÅú¨¸¼¢ÖíºƒÄ÷¸˜¸¸‹¸£½¥¸»†µ¸¸ÊŸ¸Êƒ¬¸ˆÅ¸¡¸¸½Š¸™¸›¸53.80%í¸½Š¸¡¸¸.
Š¸¾£¤¡¸¸¸‚¸¡¸36.70%ˆÅú¨¸¼¢Öˆ½Å¬¸¸˜¸` 3,632ˆÅ£¸½”õ¬¸½¤¸õˆÅ£`
4,965ˆÅ£¸½”õí¸½Š¸¡¸ú.
ˆÅ¸½£©¸º¥ˆÅ‚¸¡¸`1,879ˆÅ£¸½”õ¬¸½¤¸õˆÅ£`2,068ˆÅ£¸½”õí¸½Š¸¡¸ú.
©¸ºÖ¤¡¸¸¸‚¸¡¸7.08%¨¸¼¢Öˆ½Å¬¸¸˜¸` 8,314ˆÅ£¸½”õ¬¸½¤¸õˆÅ£`
8,903ˆÅ£¸½”õí¸½Š¸¡¸ú.
œ¸¢£¸¸¥¸›¸¥¸¸ž¸¢¨¸î¸¨¸«¸Ä2015-16ˆ½Å`
5,722ˆÅ£¸½”õˆÅú÷¸º¥¸›¸¸Ÿ¸Ê¢¨¸î¸¨¸«¸Ä2016-17Ÿ¸Ê29.85%¨¸¼¢Öˆ½Å¬¸¸˜¸`
7,430ˆÅ£¸½”õí¸½Š¸¡¸¸.
31Ÿ¸¸¸Ä,2017ˆÅ¸½ ¤¸¸¬¸¥¸-IIIˆ½Å‚¿÷¸Š¸Ä÷¸ œ¸»¿¸ú
œ¸¡¸¸Äœ÷¸÷¸¸‚›¸ºœ¸¸÷¸ (¬¸ú‚¸£‡‚¸£)9.00%ˆÅú
¢›¸¡¸¸Ÿ¸ˆÅ‚œ¸½®¸¸‚¸Êˆ½Å¬¸¸œ¸½®¸11.79%£í¸.¬¸¸Ÿ¸¸›¡¸ƒ¦Æ¨¸’ú¢’¡¸£-1‚›¸ºœ¸¸÷¸7.71%£í¸.
31Ÿ¸¸¸Ä,2017ˆÅ¸½¬¸¿œ¸»µ¸Äž¸¸£÷¸Ÿ¸Ê¤¸ÿˆÅˆÅú4282©¸¸‰¸¸‡¿(4‚¸½¨¸£¬¸ú¸©¸¸‰¸¸‚¸Ê¬¸¢í÷¸)÷¸˜¸¸7518‡’ú‡Ÿ¸ˆÅ¸›¸½’¨¸ˆÄظ¸.
-
14 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
Highlights for FY 2016-17
Highlights for FY 2016-17
Total Business of ̀ 6,80,076 crore as on March 31, 2017, an
increase of 9.61%.
Total Deposits of ̀ 3,78,392 crore as on March 31, 2017, an
increase of 10.41%.
Gross Advances of ` 3,01,684 crore as on March 31, 2017, an
increase of 8.63%.
Share of CASA deposit improved to 34.44% as on March 31, 2017
from 32.35% as of March 31, 2016.
In Advances as of March 31, 2017, RAM sector (Retail,
Agriculture & MSME) increased by 15.19% and contributes more
than 53.80% of domestic loan book.
Non Interest Income increased by 36.70% from ` 3,632 crore to `
4,965 crore.
Core Fee Income increased from ` 1,879 crore to ` 2,068
crore.
Net Interest Income increased by 7.08% from ` 8,314crore to `
8,903 crore.
Operating Profit for FY 2016-17 increased by 29.85% to ` 7430
crore from ` 5722 crore in FY 2015-16.
Capital Adequacy Ratio (CRAR) under Basel III stood at 11.79% as
on March 31, 2017 against the minimum regulatory requirement of
9.00%. Common equity tier 1 ratio stood at 7.71%.
Pan India presence- Network of 4282 (including 4 overseas
branches) and 7518 ATMs as on March 31, 2017.
-
15¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
Ÿ¸í÷¨¸œ¸»µ¸Ä ¢¨¸î¸ú¡¸ ¬¸»¸ˆÅ
ÇÅ.¬¸¿.
¢¨¸¨¸£µ¸ (œÏ¢÷¸©¸÷¸ Ÿ¸Ê ) 31.03.2008 31.03.2009 31.03.2010
31.03.2011 31.03.2012 31.03.2013 31.03.2014 31.03.2015 31.03.2016
31.03.2017
1 ¤¡¸¸¸‚¸¡¸/‚¸¾¬¸÷¸ˆÅ¸¡¸Ä©¸ú¥¸¢›¸¢š¸¡¸¸¿(‡”¤¥¡¸»‡ûÅ)
8.35 8.78 8.04 8.33 9.35 9.19 8.95 8.88 8.37 7.60
2 ¤¡¸¸¸¨¡¸¡¸/‡”¤¥¡¸»‡ûÅ 5.76 5.96 5.51 5.19 6.33 6.43 6.55 6.54
6.21 5.53
3 ¤¡¸¸¸¬œÏ½”/‡”¤¥¡¸»‡ûÅ 2.59 2.82 2.53 3.14 3.02 2.76 2.40 2.34
2.16 2.07
4 Š¸¾£-¤¡¸¸¸‚¸¡¸/‡”¤¥¡¸»‡ûÅ 1.20 1.09 1.19 1.03 1.09 0.93 0.86
0.97 0.94 1.16
5 œ¸¢£¸¸¥¸›¸¨¡¸¡¸/‡”¤¥¡¸»‡ûÅ 1.44 1.63 1.52 2.00 1.77 1.65 1.67
1.70 1.62 1.50
6 ¥¸¸Š¸÷¸‚¸¡¸‚›¸ºœ¸¸÷¸ 38.17 41.81 40.66 47.85 43.15 44.70 51.24
51.34 52.10 46.42
7 ¬¸ˆÅ¥¸(œ¸¢£.)¥¸¸ž¸/‡”¤¥¡¸»‡ûÅ 2.34 2.28 2.21 2.18 2.34 2.04
1.59 1.61 1.49 1.73
8 ›¸½’¨¸˜¸Äœ¸£œÏ¢÷¸¥¸¸ž¸ 24.70 24.79 23.69 18.63 13.67 13.68
9.99 9.73 6.84 2.86
9 ‚¿¢÷¸Ÿ¸‚¸¦¬÷¸¡¸¸Êœ¸£œÏ¢÷¸¥¸¸ž¸ 1.12 1.07 1.06 0.88 0.68 0.69
0.48 0.47 0.33 0.12
10 ‚¸¾¬¸÷¸‚¸¦¬÷¸¡¸¸Êœ¸£œÏ¢÷¸¥¸¸ž¸ 1.26 1.27 1.25 1.05 0.79 0.79
0.52 0.49 0.35 0.13
11 ‚¢ŠÏŸ¸¸Êœ¸£œÏ¢÷¸ûÅ¥¸ 10.12 11.06 9.94 9.86 11.22 11.05 10.53
10.42 9.63 8.72
12 ¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅú¥¸¸Š¸÷¸ 6.19 6.50 5.94 5.53 6.93 7.38 7.37
7.31 7.00 6.28
13
©¸ºÖ¥¸¸ž¸ˆÅ¸¥¸¸ž¸¸¿©¸ž¸ºŠ¸÷¸¸›¸‚›¸ºœ¸¸÷¸(ˆÅ¸œ¸¸½Ä£½’¥¸¸ž¸¸¿©¸ˆÅ£¬¸¢í÷¸)
17.04 17.11 15.66 23.44 28.64 25.89 17.39 25.76 11.95 0.00
14 †µ¸¸Ÿ¸¸‚›¸ºœ¸¸÷¸ 75.55 73.22 73.71 78.11 84.94 84.11 82.04
86.65 83.69 81.45
15
†µ¸+Š¸¾£‡¬¸‡¥¸‚¸£¢›¸¨¸½©¸(‚›¸º«¸¿Š¸úƒÄˆÅ¸ƒ¡¸¸ÊŸ¸Ê¢›¸¨¸½©¸ˆÅ¸½Ž¸½”õˆÅ£)-¸Ÿ¸¸‚›¸ºœ¸¸÷¸
78.44 76.75 80.75 84.08 86.51 87.63 90.36 93.51 88.91 87.82
16 œ¸»¿¸úœ¸¡¸¸Äœ÷¸÷¸¸‚›¸ºœ¸¸÷¸(¤¸¸¬¸¥¸II) 12.51 13.27 12.51
12.95 11.85 11.45 11.89 10.74 11.14 12.91
¢’¡¸£-— 7.45 8.18 7.91 8.69 8.37 8.23 8.13 7.60 8.23 9.35
¢’¡¸£-—— 5.06 5.09 4.60 4.26 3.48 3.22 3.76 3.14 2.91 3.56
17 œ¸»¿¸úœ¸¡¸¸Äœ÷¸÷¸¸‚›¸ºœ¸¸÷¸(¤¸¸¬¸¥¸III) - - - - - - 10.80
10.22 10.56 11.79
¢’¡¸£-— - - - - - - 7.54 7.50 8.14 9.02
¢’¡¸£-—— - - - - - - 3.26 2.72 2.42 2.77
-
16 ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
Ÿ¸í÷¨¸œ¸»µ¸Ä ¢¨¸î¸ú¡¸ ¬¸»¸ˆÅ Ç.. ¬¸¿.
¢¨¸¨¸£µ¸ 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012
31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017
1 ˆÅŸ¸Ä¸¸£ú(¬¸¿‰¡¸¸) 25722 27510 27772 27746 30838 31798 33806
35514 35473 368772 ©¸¸‰¸¸‡¿¿(¬¸¿‰¡¸¸) 2361 2558 2805 3016 3201 3511
3871 4081 4200 42823 œÏ¢÷¸ˆÅŸ¸Ä¸¸£úˆÅ¸£¸½¤¸¸£
(` ˆÅ£¸½”õŸ¸Ê)*6.20 6.94 8.53 10.43 10.70 12.15 13.76 14.46
15.51 16.43
4 œÏ¢÷¸ˆÅŸ¸Ä¸¸£ú¬¸ˆÅ¥¸¥¸¸ž¸(`¥¸¸‰¸Ÿ¸Ê)
10.03 11.20 13.18 15.52 17.04 17.56 15.44 16.40 16.13 20.15
5 œÏ¢÷¸ˆÅŸ¸Ä¸¸£ú©¸ºÖ¥¸¸ž¸ (` ¥¸¸‰¸Ÿ¸Ê)
5.39 6.28 7.47 7.50 5.80 6.79 5.02 5.02 3.81 1.51
6 œÏ¢÷¸©¸¸‰¸¸ˆÅ¸£¸½¤¸¸£ (` ˆÅ£¸½”õŸ¸Ê)*
67.52 74.61 84.49 95.93 103.11 110.05 120.16 125.80 130.96
141.50
7 œÏ¢÷¸©¸¸‰¸¸¬¸ˆÅ¥¸¥¸¸ž¸ (` ˆÅ£¸½”õŸ¸Ê)
1.09 1.20 1.30 1.43 1.64 1.59 1.35 1.43 1.36 1.74
8 œÏ¢÷¸©¸¸‰¸¸©¸ºÖ¥¸¸ž¸ (` ˆÅ£¸½”õŸ¸Ê)
0.59 0.68 0.74 0.69 0.56 0.61 0.44 0.44 0.32 0.13
9 œÏ¢÷¸©¸½¡¸£‚¸¡¸(`Ÿ¸Ê) 27.46 34.18 41.08 39.71 34.07 38.93
27.99 28.05 20.42 8.0810 œÏ¢÷¸©¸½¡¸£¤¸íúŸ¸»¥¡¸(`Ÿ¸Ê) 111.19 137.87
173.38 213.17 237.48 264.37 269.37 288.01 287.51 277.76
›¸¸½’ À*‚¸¾¬¸÷¸ ˆÅ¸£¸½¤¸¸£œ¸¢£ž¸¸«¸¸‡¿¿ À
‚¸¾¬¸÷¸ˆÅ¸¡¸Ä©¸ú¥¸¢›¸¢š¸¡¸¸¿(‡”¤¥¡¸»‡ûÅ) À
ˆºÅ¥¸‚¸¦¬÷¸¡¸¸ÊˆÅ¸œ¸¸¢®¸ˆÅ‚¸¾¬¸÷¸‚¸¾¬¸÷¸¸Ÿ¸¸£¸¢©¸¡¸¸¿ À
ˆºÅ¥¸¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅ¸œ¸¸¢®¸ˆÅ‚¸¾¬¸÷¸‚¸¾¬¸÷¸‚¢ŠÏŸ¸ À
ˆºÅ¥¸‚¢ŠÏŸ¸¸ÊˆÅ¸œ¸¸¢®¸ˆÅ‚¸¾¬¸÷¸‚¸¾¬¸÷¸ˆÅ¸£¸½¤¸¸£ À
‚¸¾¬¸÷¸¸Ÿ¸¸£¸¢©¸¡¸¸Ê‚¸¾£‚¸¾¬¸÷¸‚¢ŠÏŸ¸¸ÊˆÅ¸¡¸¸½Š¸‚¸¾¬¸÷¸¢›¸¨¸½©¸ À
ˆºÅ¥¸¢›¸¨¸½©¸ˆÅ¸œ¸¸¢®¸ˆÅ‚¸¾¬¸÷¸¤¡¸¸¸‚¸¡¸/‡”¤¥¡¸»‡ûÅ À
ˆºÅ¥¸¤¡¸¸¸‚¸¡¸ˆÅ¸½‡”¤¥¡¸»‡ûŬ¸½ž¸¸Š¸™Ê¤¡¸¸¸¨¡¸¡¸/‡”¤¥¡¸»‡ûÅ À
ˆºÅ¥¸¤¡¸¸¸¨¡¸¡¸ˆÅ¸½‡”¤¥¡¸»‡ûŬ¸½ž¸¸Š¸™Ê¤¡¸¸¸¬œÏ½”/‡”¤¥¡¸»‡ûÅ À
ˆºÅ¥¸¤¡¸¸¸‚¸¡¸Ÿ¸Ê¬¸½ˆºÅ¥¸¤¡¸¸¸¨¡¸¡¸ˆÅ¸½‹¸’¸ˆÅ£‡”¤¥¡¸»‡ûŬ¸½ž¸¸Š¸™ÊŠ¸¾£-¤¡¸¸¸‚¸¡¸/‡”¤¥¡¸»‡ûÅ
À ˆºÅ¥¸Š¸¾£¤¡¸¸¸‚¸¡¸ˆÅ¸½‡”¤¥¡¸»‡ûŬ¸½ž¸¸Š¸™Êœ¸¢£¸¸¥¸›¸¨¡¸¡¸ À
ˆºÅ¥¸¨¡¸¡¸Ÿ¸Ê¬¸½¤¡¸¸¸¨¡¸¡¸‹¸’¸¡¸Êœ¸¢£¸¸¥¸›¸¨¡¸¡¸/‡”¤¥¡¸»‡ûÅ À
œ¸¢£¸¸¥¸›¸¨¡¸¡¸ˆÅ¸½‡”¤¥¡¸»‡ûŬ¸½ž¸¸Š¸™Ê‚¸¡¸¥¸¸Š¸÷¸‚›¸ºœ¸¸÷¸ À
œ¸¢£¸¸¥¸›¸¨¡¸¡¸/Š¸¾£¤¡¸¸¸‚¸¡¸+¤¡¸¸¸¬œÏ½”¬¸ˆÅ¥¸¥¸¸ž¸/‡”¤¥¡¸»‡ûÅ À
¬¸ˆÅ¥¸¥¸¸ž¸ˆÅ¸½‡”¤¥¡¸»‡ûŬ¸½ž¸¸Š¸™Ê›¸½’¨¸˜¸Äœ¸£œÏ¢÷¸¥¸¸ž¸ À
©¸ºÖ¥¸¸ž¸/›¸½’¨¸˜¸Ä(œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸œÏ¸£¢®¸÷¸¢›¸¢š¸¡¸¸¿‡¨¸¿‚Ÿ¸»Ä÷¸‚¸¦¬÷¸¡¸¸ÊˆÅ¸½Ž¸½”õˆÅ£)‚¸¦¬÷¸¡¸¸Êœ¸£œÏ¢÷¸ûÅ¥¸
À ©¸ºÖ¥¸¸ž¸/ˆºÅ¥¸‚¸¦¬÷¸¡¸¸¿‚¸¾¬¸÷¸‚¸¦¬÷¸¡¸¸Êœ¸£œÏ¢÷¸¥¸¸ž¸ À
©¸ºÖ¥¸¸ž¸/‡”¤¥¡¸»‡ûÅ‚¢ŠÏŸ¸¸Êœ¸£‚¸¡¸ À
‚¢ŠÏŸ¸¸Êœ¸£‚¢¸Ä÷¸¤¡¸¸¸/‚¸¾¬¸÷¸‚¢ŠÏŸ¸¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅú¥¸¸Š¸÷¸ À
¸Ÿ¸¸£¸¢©¸¡¸¸Êœ¸£œÏ™î¸¤¡¸¸¸ˆÅ¸½‚¸¾¬¸÷¸¸Ÿ¸¸£¸¢©¸¡¸¸Ê¬¸½ž¸¸Š¸™Ê¥¸¸ž¸¸¿©¸ž¸ºŠ¸÷¸¸›¸‚›¸ºœ¸¸÷¸
À
ˆÅ¸œ¸¸½Ä£½’¥¸¸ž¸¸¿©¸ˆÅ£¬¸¢í÷¸¥¸¸ž¸¸¿©¸/©¸ºÖ¥¸¸ž¸(ˆÅ¸œ¸¸½Ä£½’¥¸¸ž¸¸¿©¸ˆÅ£¬¸¢í÷¸)†µ¸¸Ÿ¸¸‚›¸ºœ¸¸÷¸
À
ˆºÅ¥¸‚¢ŠÏŸ¸/ŠÏ¸íˆÅ¸ÊˆÅú¸Ÿ¸¸£¸¢©¸¡¸¸¿(¡¸˜¸¸ˆºÅ¥¸¸Ÿ¸¸£¸¢©¸¡¸¸¿-‚¿÷¸£¤¸ÿˆÅ¸Ÿ¸¸£¸¢©¸¡¸¸¿)†µ¸+Š¸¾£¬¸¸¿¢¨¸¢š¸ˆÅ÷¸£¥¸÷¸¸‚›¸ºœ¸¸÷¸¢›¸¨¸½©¸(‚›¸º«¸¿Š¸úƒÄˆÅ¸ƒ¡¸¸ÊŸ¸Ê¢›¸¨¸½©¸ˆÅ¸½Ž¸½”õˆÅ£)
-¸Ÿ¸¸£¸¢©¸‚›¸ºœ¸¸÷¸ À
ˆºÅ¥¸‚¢ŠÏŸ¸+Š¸¾£‡¬¸‡¥¸‚¸£¢›¸¨¸½©¸-‚›¸º«¸¿Š¸úƒÄˆÅ¸ƒ¡¸¸ÊŸ¸Ê¢›¸¨¸½©¸/ŠÏ¸íˆÅ¸ÊˆÅú¸Ÿ¸¸£¸¢©¸¡¸¸¿œÏ¢÷¸ˆÅŸ¸Ä¸¸£úˆÅ¸£¸½¤¸¸£
À
‚¸¾¬¸÷¸¸Ÿ¸¸£¸¢©¸¡¸¸¿(¤¸ÿˆÅ¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅ¸½Ž¸½”õˆÅ£)+‚¸¾¬¸÷¸‚¢ŠÏŸ¸/ˆÅŸ¸Ä¸¸¢£¡¸¸½¿ˆÅúˆºÅ¥¸¬¸¿‰¡¸¸œÏ¢÷¸ˆÅŸ¸Ä¸¸£ú¬¸ˆÅ¥¸¥¸¸ž¸
À
¬¸ˆÅ¥¸¥¸¸ž¸ˆÅ¸½ˆÅŸ¸Ä¸¸¢£¡¸¸ÊˆÅúˆºÅ¥¸¬¸¿‰¡¸¸¬¸½ž¸¸Š¸™ÊœÏ¢÷¸ˆÅŸ¸Ä¸¸£ú©¸ºÖ¥¸¸ž¸
À ©¸ºÖ¥¸¸ž¸/ˆÅŸ¸Ä¸¸¢£¡¸¸ÊˆÅúˆºÅ¥¸¬¸¿‰¡¸¸œÏ¢÷¸©¸¸‰¸¸ˆÅ¸£¸½¤¸¸£ À
‚¸¾¬¸÷¸¸Ÿ¸¸£¸¢©¸¡¸¸¿(¤¸ÿˆÅ¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅ¸½Ž¸½”õˆÅ£)+‚¸¾¬¸÷¸‚¢ŠÏŸ¸/©¸¸‰¸¸‚¸ÊˆÅú¬¸¿‰¡¸¸œÏ¢÷¸©¸¸‰¸¸¬¸ˆÅ¥¸¥¸¸ž¸
À ¬¸ˆÅ¥¸¥¸¸ž¸/©¸¸‰¸¸‚¸ÊˆÅú¬¸¿‰¡¸¸œÏ¢÷¸©¸¸‰¸¸©¸ºÖ¥¸¸ž¸ À
©¸ºÖ¥¸¸ž¸/©¸¸‰¸¸‚¸ÊˆÅú¬¸¿‰¡¸¸œÏ¢÷¸©¸½¡¸£‚¸¡¸ À
©¸ºÖ¥¸¸ž¸ˆÅ¸½ƒ¦Æ¨¸’ú©¸½¡¸£ˆ¾Å¢œ¸’¥¸¬¸½ž¸¸Š¸™½¿œÏ¢÷¸©¸½¡¸£¤¸íúŸ¸»¥¡¸
À
›¸½’¨¸˜¸Ä(œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸œÏ¸£¢®¸÷¸¢›¸¢š¸‡¨¸¿‚Ÿ¸»÷¸Ä‚¸¦¬÷¸¡¸¸ÊˆÅ¸½Ž¸½”õˆÅ£)ˆÅ¸½ƒ¦Æ¨¸’ú©¸½¡¸£ˆ¾Å¢œ¸’¥¸¬¸½ž¸¸Š¸™½¿
-
17¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä 2016-2017
¬¸»¸›¸¸‡÷¸™Ã׸£¸ ¬¸»¸›¸¸ ™ú ¸¸÷¸ú í¾ ¢ˆÅ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ ‚¸ÁûÅ
ƒ¿¢”¡¸¸ ˆ½Å ©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú 15¨¸ú¿ ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ
©¸ºÇŨ¸¸£, ¢™›¸¸¿ˆÅ 23 ¸»›¸, 2017 ˆÅ¸½ œÏ¸÷¸À 11.30 ¤¸¸½ £¸Ÿ¸¸ ‡µ”
¬¸º¿™£ú ¨¸¸’»Ÿ¸¥¸ ‚¸¢”’¸½¢£¡¸Ÿ¸, ˆ½Å.¬¸ú.ˆÅ¸Á¥¸½¸, ¢™›¸©¸¸Á ¨¸¸¸¸
£¸½”, ¸¸ÄŠ¸½’, Ÿ¸¿¤¸ƒÄ- 400020 Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ˆÅ¸¡¸¸½ô ˆ½Å
¢¥¸‡‚¸¡¸¸½¢¸÷¸ˆÅú¸¸‡Š¸úÀ
Ÿ¸™ ÇÅ. 1
¢™›¸¸¿ˆÅ31 Ÿ¸¸¸Ä,
2017ˆ½Å÷¸º¥¸›¸œ¸°¸÷¸˜¸¸„¬¸÷¸¸£ú‰¸ˆÅ¸½¬¸Ÿ¸¸œ÷¸¨¸«¸Äˆ½Å¥¸¸ž¸¨¸ í¸¢›¸
¥¸½‰¸¸, ¥¸½‰¸¸Ê Ÿ¸Ê ˆÅ¨¸£ ˆÅú Š¸¡¸ú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅú
Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê÷¸˜¸¸ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê œ¸£¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú
¢£œ¸¸½’Ä‚¸¾£÷¸º¥¸›¸ œ¸°¸‚¸¾£¥¸½‰¸¸Ê
œ¸£¥¸½‰¸¸œ¸£ú®¸ˆÅ¸ÊˆÅú¢£œ¸¸½’Äœ¸£¸¸¸Ä,‚›¸ºŸ¸¸½™›¸‡¨¸¿‚¿Š¸úˆÅ£µ¸í½÷¸º.
Ÿ¸™ ÇÅ. 2
‡ûÅœ¸ú‚¸½/ £¸ƒ’ì¸/ Æ¡¸»‚¸ƒÄœ¸ú/‚¢š¸Ÿ¸¸›¸‚¸¨¸¿’›¸‚¸¢™ˆ½Å
Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œ¸»¿¸úˆÅ¸‚¸Ä›¸ˆÅ£›¸½í½÷¸º
¢¨¸¸¸£¸½œ¸£¸¿÷¸„¢¸÷¸œ¸¸¡¸½¸¸›¸½œ¸£¢›¸Ÿ›¸¢¥¸¢‰¸÷¸¢¨¸©¸½«¸¬¸¿ˆÅ¥œ¸œ¸¸¢£÷¸ˆÅ£›¸¸À
``¬¸¿ˆÅ¥œ¸
¢ˆÅ¡¸¸¢ˆÅ¤¸ÿ¢ˆ¿ÅŠ¸ˆÅŸœ¸›¸ú(„œ¸ÇÅŸ¸¸ÊˆÅ¸‚¸Ä›¸‚¸¾£‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸,1970
ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê, £¸«’ïú¡¸ˆ¼Å÷¸ ¤¸ÿˆÅ¸Ê (œÏ¤¸¿š¸›¸ ‡¨¸¿ ¢¨¸¢¨¸š¸
œÏ¸¨¸š¸¸›¸) ¡¸¸½¸›¸¸,1970÷¸˜¸¸ ¡¸»¢›¸¡¸›¸ ¤¸ÿˆÅ‚¸ÁûŃ¿¢”¡¸¸ (©¸½¡¸£
÷¸˜¸¸ ¤¸¾“ˆÅ) ¢¨¸¢›¸¡¸Ÿ¸,1998¡¸˜¸¸
¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸œ¸£¬¸¿©¸¸½¢š¸÷¸,ž¸¸£÷¸ú¡¸¢£¸¨¸Ä¤¸ÿˆÅ(``‚¸£¤¸ú‚¸ƒÄ''),ž¸¸£÷¸¬¸£ˆÅ¸£(``¸ú‚¸½‚¸ƒÄ''),
ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸
¤¸¸½”Ä(``¬¸½¤¸ú'')‚¸¾£/¡¸¸ƒ¬¸¬¸¿¤¸¿š¸Ÿ¸Ê‚¸¨¸©¡¸ˆÅí¸½›¸½œ¸£¢ˆÅ¬¸ú‚›¡¸œÏ¸¢š¸ˆÅ¸£úˆ½Å‚›¸ºŸ¸¸½™›¸,¬¸íŸ¸¢÷¸,Ÿ¸¿¸»£ú,¡¸¢™ˆÅ¸½ƒÄí¸½,ˆ½Å‚š¡¸š¸ú›¸÷¸˜¸¸„›¸ˆ½Å׸£¸‚›¸ºŸ¸¸½™›¸ˆ½Å¢¥¸¡¸½‚¸¨¸©¡¸ˆÅ¢›¸š¸¸Ä¢£÷¸©¸÷¸¸½ô,¢›¸¤¸¿š¸›¸¸Ê‚¸¾£¬¸¿©¸¸½š¸›¸¸Ê÷¸˜¸¸¤¸ÿˆÅˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸×¸£¸™úŠ¸¡¸ú¬¸íŸ¸¢÷¸ˆ½Å‚›¸º¬¸¸£÷¸˜¸¸¬¸½¤¸ú(œ¸»¿¸úˆÅ¸¢›¸Š¸ÄŸ¸‡¨¸¿‚¸¨¸©¡¸ˆÅœÏˆÅ’úˆÅ£µ¸)¢¨¸¢›¸¡¸Ÿ¸,2009(``‚¸ƒÄ¬¸ú”ú‚¸£
¢¨¸¢›¸¡¸Ÿ¸'')¡¸˜¸¸‚Ô¸÷¸›¸¬¸¿©¸¸½¢š¸÷¸,ž¸¸£÷¸ú¡¸¢£¸¨¸Ä¤¸ÿˆÅ,¬¸½¤¸ú׸£¸
¢›¸š¸¸Ä¢£÷¸ ¢™©¸¸¢›¸™½Ä©¸ ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸
‚¢š¸¢›¸¡¸Ÿ¸,
1949,ž¸¸£÷¸ú¡¸œÏ¢÷¸ž¸»¢÷¸‡¨¸¿¢¨¸¢›¸Ÿ¸¡¸¤¸¸½”Ä‚¢š¸¢›¸¡¸Ÿ¸,1992̂
½Å‚¿÷¸Š¸Ä÷¸¸¸£ú‚¢š¸¬¸»¸›¸¸/œ¸¢£œ¸°¸ ‡¨¸¿ ¬œ¸«’úˆÅ£µ¸ ÷¸˜¸¸ ¬¸Ÿ¸¡¸-
¬¸Ÿ¸¡¸ œ¸£ ¥¸¸Š¸» ‚›¡¸ ¢›¸¡¸Ÿ¸¸Ê ‡¨¸¿ ¬¸½¤¸ú(¬¸»¸ú¤¸Ö÷¸¸
¤¸¸š¡¸÷¸¸‡¿‚¸¾£ œÏˆÅ’úˆÅ£µ¸‚œ¸½®¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸›¸,2015(``¢¥¸¦¬’¿Š¸
¢¨¸¢›¸¡¸Ÿ¸›¸'')¬¸¿¤¸¿¢š¸÷¸ œÏ¸¢š¸ˆÅ£µ¸¸Ê ÷¸˜¸¸¬’¸ÁˆÅ‡Æ¬¸¸Ê¸,¸í¸¿
¤¸ÿˆÅˆ½Åƒ¦Æ¨¸’ú©¸½¡¸£¬¸»¸ú¤¸Öíÿ, Ÿ¸Ê™¸Ä¬¸»¸ú¡¸›¸ˆÅ£¸£ˆ½Å‚š¡¸š¸ú›¸
¤¸ÿˆÅˆ½Å©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú¬¸íŸ¸¢÷¸í¾‚¸¾£‡÷¸™Ã׸£¸¤¸ÿˆÅˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸(¢¸¬¸½ƒ¬¸ˆ½Å¤¸¸™``¢™
¤¸¸½”Ä''
ˆÅí¸¸¸¡¸½Š¸¸,¢¸¬¸Ÿ¸Êƒ¬¸¬¸¿ˆÅ¥œ¸×¸£¸œÏ™î¸©¸¢Æ÷¸¡¸¸Ê¬¸¢í÷¸ƒ¬¸ˆÅú©¸¢Æ÷¸¡¸¸ÊˆÅ¸œÏ¡¸¸½Š¸ˆÅ£›¸½ˆ½Å¢¥¸‡¤¸¸½”Ä׸£¸Š¸¢“÷¸ˆÅúŠ¸¡¸ú/ˆÅú¸¸›¸½¨¸¸¥¸ú¬¸¢Ÿ¸¢÷¸ž¸ú©¸¸¢Ÿ¸¥¸í¾)ˆÅ¸½
œÏ™¸›¸ˆÅú¸¸¡¸½‡¨¸¿‡÷¸™×¸£¸œÏ™¸›¸ˆÅú¸¸÷¸úí¾¢ˆÅœÏ¬÷¸¸¨¸™¬÷¸¸¨¸½¸/œÏ¸¬œ¸½Æ’¬¸‚˜¸¨¸¸‡½¬¸½¢ˆÅ¬¸ú‚›¡¸™¬÷¸¸¨¸½¸̂
½ÅŸ¸¸š¡¸Ÿ¸¬¸½ž¸¸£÷¸¡¸¸ž¸¸£÷¸¬¸½¤¸¸í£ ` 4,950 ˆÅ£¸½”õ (²œ¸¡¸½ ¸¸£
í¸¸£ ›¸¸¾ ¬¸¸¾ œ¸¸¸¬¸ ˆÅ£¸½”õ
Ÿ¸¸°¸)ˆ½Åƒ¦Æ¨¸’ú©¸½¡¸£(œÏú¢Ÿ¸¡¸Ÿ¸¬¸¢í÷¸, ¡¸¢™ˆÅ¸½ƒÄí¸½)¸¸½` 687.44
ˆÅ£¸½”õ (²œ¸¡¸½ Ží ¬¸¸¾ ¬¸î¸¸¬¸ú ˆÅ£¸½”õ ‡¨¸¿ ¸¨¸¸¥¸ú¬¸ ¥¸¸‰¸
Ÿ¸¸°¸)ˆÅú¨¸÷¸ÄŸ¸¸›¸¸ºˆÅ÷¸¸ƒ¦Æ¨¸’ú©¸½¡¸£œ¸»¿¸ú¬¸¢í÷¸` 3,000 ˆÅ£¸½”õ
(²œ¸¡¸½ ÷¸ú›¸ í¸¸£ ˆÅ£¸½”õ Ÿ¸¸°¸),¸¸½
¤¸ÿ¢ˆ¿ÅŠ¸ˆÅŸœ¸›¸ú(„œ¸ÇÅŸ¸¸ÊˆÅ¸‚¸Ä›¸‚¸¾£‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸,1970ˆÅúš¸¸£¸3(2‡)‚˜¸¨¸¸¬¸¿©¸¸½š¸›¸(¡¸¢™ˆÅ¸½ƒÄí¸½)¸¸½
ž¸¢¨¸«¡¸ Ÿ¸Ê‚¢š¸¢›¸¡¸Ÿ¸ ¤¸›¸¬¸ˆÅ÷¸¸í¾,ˆ½Å׸£¸ ¤¸õ¸ƒÄ Š¸ƒÄ
¬¸úŸ¸¸ˆ½Å‚¿™£í¸½ ÷¸˜¸¸ƒ¬¸ œÏˆÅ¸£ ¢ˆÅ ¢ˆÅ¬¸ú ž¸ú ¦¬˜¸¢÷¸
Ÿ¸ÊˆÊÅͬ¸£ˆÅ¸£ˆÅú‚¿©¸š¸¸¢£÷¸¸
¤¸ÿˆÅˆÅú¸ºˆÅ÷¸¸ƒ¦Æ¨¸’úœ¸»¿¸úˆ½Å51%¬¸½ˆÅŸ¸›¸í¸½,¸¸í½¤¸¸¸¸£Ÿ¸»¥¡¸¬¸½Ž»’œ¸£‚˜¸¨¸¸œÏú¢Ÿ¸¡¸Ÿ¸œ¸£÷¸˜¸¸‡ˆÅ¡¸¸‚¢š¸ˆÅ‚¨¸¬¸£¸Êœ¸£,‡ˆÅ‚˜¸¨¸¸‚¢š¸ˆÅ¬¸™¬¡¸¸Ê,¤¸ÿˆÅˆ½ÅˆÅŸ¸Ä¸¸¢£¡¸¸Ê,ž¸¸£÷¸ú¡¸›¸¸Š¸¢£ˆÅ¸Ê,‚¢›¸¨¸¸¬¸úž¸¸£÷¸ú¡¸¸Ê(``‡›¸‚¸£‚¸ƒÄ''),¢›¸¸ú‚˜¸¨¸¸
¬¸¸¨¸Ä¸¢›¸ˆÅˆ¿Åœ¸¢›¸¡¸¸Ê, ¢¨¸¢›¸¨¸½©¸ ¬¸¿¬˜¸¸‚¸Ê, ¬¸¢Ÿ¸¢÷¸¡¸¸Ê,
›¡¸¸¬¸¸Ê,
©¸¸½š¸¬¸¿¬˜¸¸›¸¸Ê,‚íÄ÷¸¸œÏ¸œ÷¸¬¸¿¬˜¸¸Š¸÷¸Ç½Å÷¸¸‚¸Ê(Æ¡¸»‚¸ƒÄ¤¸ú),¢¨¸™½©¸ú¬¸¿¬˜¸¸Š¸÷¸¢›¸¨¸½©¸ˆÅ¸Ê(``‡ûÅ‚¸ƒÄ‚¸ƒÄ''),
¤¸ÿˆÅ¸Ê, ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê, ž¸¸£÷¸ú¡¸ Ÿ¡¸º¸º‚¥¸ û¿Å”¸Ê,
„Ô¸Ÿ¸œ¸»¿¸ú ¢›¸¢š¸¡¸¸Ê, ¢¨¸™½©¸ú „Ô¸Ÿ¸ œ¸»¿¸ú ¢›¸¨¸½©¸ˆÅ¸Ê, £¸¡¸
‚¸¾Ô¸¸½¢Š¸ˆÅ ¢¨¸ˆÅ¸¬¸ ¢›¸Š¸Ÿ¸¸Ê,¤¸úŸ¸¸ˆ¿Åœ¸¢›¸¡¸¸Ê, ž¸¢¨¸«¡¸
¢›¸¢š¸¡¸¸Ê, œ¸Ê©¸›¸ ¢›¸¢š¸¡¸¸Ê, ¢¨¸ˆÅ¸¬¸ ¢¨¸î¸¬¸¿¬˜¸¸‚¸Ê
¡¸¸‚›¡¸ƒˆÅ¸ƒ¡¸¸Ê,œÏ¸¢š¸ˆÅ£µ¸¸Ê¡¸¸‚›¡¸¢ˆÅ¬¸ú¬¸¿¨¸Š¸Äˆ½Å¢›¸¨¸½©¸ˆÅ¸Ê,¸¸½¢¨¸Ô¸Ÿ¸¸›¸¢¨¸¢›¸¡¸Ÿ¸¸Ê/¢™©¸¸¢›¸™½Ä©¸¸Ê¡¸¸„œ¸¡¸ºÄÆ÷¸™¸½›¸¸Êˆ½Å¢ˆÅ¬¸ú¬¸¿¡¸¸½¸›¸,¢¸¬¸½¤¸ÿˆÅ׸£¸„¢¸÷¸¬¸Ÿ¸¸¸¸¸‡,ˆ½Å‚›¸º¬¸¸£¤¸ÿˆÅˆ½ÅƒÄ¦Æ¨¸’ú©¸½¡¸£¸Ê/œÏ¢÷¸ž¸»¢÷¸¡¸¸ÊŸ¸Ê¢›¸¨¸½©¸ˆÅ£›¸½í½÷¸º‚¢š¸ˆ¼Å÷¸íÿ,ˆÅ¸½œ¸»¿¸úˆÅ¸¬¸¼¸›¸,œÏ¬÷¸¸¨¸,¢›¸Š¸ÄŸ¸‚¸¾£‚¸¨¸¿’›¸(¢›¸¢©¸÷¸‚¸¨¸¿’›¸‚¸¾£/¡¸¸¢›¸Š¸ÄŸ¸ˆÅ¸‡½¬¸¸ž¸¸Š¸‚¸¾£‡½¬¸½¬¸¿¨¸Š¸Äˆ½Å¨¡¸¢Æ÷¸¡¸¸Ê,¸¸½„¬¸¬¸Ÿ¸¡¸¥¸¸Š¸»¢›¸¡¸Ÿ¸¸Êˆ½Å÷¸í÷¸‚›¸ºŸ¸÷¸í¸Ê,ˆÅ¸½‚¸£¢®¸÷¸œÏ¸¨¸š¸¸›¸¸Ê¬¸¢í÷¸)¢ˆÅ¡¸¸¸¸‡.''
``œ¸º›¸À ¬¸¿ˆÅ¥œ¸
¢ˆÅ¡¸¸¢ˆÅ‡½¬¸¸¢›¸Š¸ÄŸ¸,œÏ¬÷¸¸¨¸¡¸¸‚¸¨¸¿’›¸¬¸¸¨¸Ä¸¢›¸ˆÅ¢›¸Š¸ÄŸ¸(¡¸˜¸¸‚›¸º¨¸÷¸úÄ
¬¸¸¨¸Ä¸¢›¸ˆÅ ¢›¸Š¸ÄŸ¸)‚¸¾£/ ¡¸¸‚¢š¸ˆÅ¸£ ¢›¸Š¸ÄŸ¸‚¸¾£/ ¡¸¸ ¢›¸¸ú
¬˜¸¸œ¸›¸,‚íÄ÷¸¸œÏ¸œ÷¸¬¸¿¬˜¸¸Š¸÷¸¬˜¸¸œ¸›¸,‚¢š¸‚¸¨¸¿’›¸¢¨¸ˆÅ¥œ¸¬¸¢í÷¸¡¸¸£¢í÷¸ˆ½Å¸¢£¡¸½í¸½Š¸¸÷¸˜¸¸‡½¬¸¸œÏ¬÷¸¸¨¸,¢›¸Š¸ÄŸ¸,¬˜¸¸œ¸›¸¡¸¸‚¸¨¸¿’›¸,¤¸ÿ¢ˆ¿ÅŠ¸ˆÅŸœ¸›¸ú(„œ¸ÇÅŸ¸¸ÊˆÅ¸‚¸Ä›¸‚¸¾£‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸,1970,‚¸ƒÄ¬¸ú”ú‚¸£¢¨¸¢›¸¡¸Ÿ¸,¢¥¸¦¬’¿Š¸¢¨¸¢›¸¡¸Ÿ¸÷¸˜¸¸ž¸¸£÷¸ú¡¸¢£¸¨¸Ä¤¸ÿˆÅ,¬¸½¤¸ú¡¸¸‚›¡¸¬¸¿¤¸¿¢š¸÷¸œÏ¸¢š¸ˆÅ¸£ú׸£¸¸¸£ú¬¸ž¸ú‚›¡¸¢™©¸¸¢›¸™½Ä©¸¸Ê‚¸¾£‡½¬¸½¬¸Ÿ¸¡¸¡¸¸¬¸Ÿ¸¡¸¸Êœ¸£ƒ¬¸œÏˆÅ¸£÷¸˜¸¸‡½¬¸ú©¸÷¸¸½ô‡¨¸¿¢›¸¤¸¿š¸›¸¸Êœ¸£,
¢¸›íÊ ¤¸¸½”Ä׸£¸‚œ¸›¸½ œ¸»µ¸Ä ¢¨¸¨¸½ˆÅ¬¸½„¢¸÷¸¬¸Ÿ¸¸¸¸¸‡,ˆ½Å
œÏ¸¨¸š¸¸›¸¸Êˆ½Å‚›¸º¬¸¸£¢ˆÅ¡¸¸¸¸‡.''
``œ¸º›¸À ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸¢ˆÅ¤¸¸½”Ä̂ Ÿ½‚¢š¸ˆÅ¸£í¸½Š¸¸¢ˆÅ̈
¸í¢›¸Š¸ÄŸ¸‡½¬¸½Ÿ¸»¥¡¸¡¸¸Ÿ¸»¥¡¸¸Êœ¸£ƒ¬¸ œÏˆÅ¸£¬¸½‚¸¾£
¡¸¢™‚¸¨¸©¡¸ˆÅí¸½, ÷¸¸½ ¥¸ú”
Ÿ¸¾›¸½¸£¸Ê‚¸¾£/‚¢ž¸Š¸¸½œ¸ˆÅ¸Ê‚¸¾£/¡¸¸‚›¡¸œ¸£¸Ÿ¸©¸Ä™¸÷¸¸‚¸Ê¡¸¸‚›¡¸˜¸¸ˆ½Åœ¸£¸Ÿ¸©¸Ä¬¸½‚œ¸›¸½œ¸»µ¸Ä¢¨¸¨¸½ˆÅ¸›¸º¬¸¸£‡½¬¸ú
©¸÷¸¸½ô ‡¨¸¿ ¢›¸¤¸¿š¸›¸¸Ê œ¸£ ÷¸˜¸¸‚¸ƒÄ¬¸ú”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸Ê,‚›¡¸
¢¨¸¢›¸¡¸Ÿ¸¸Ê ‚¸¾£¥¸¸Š¸»‚›¡¸ˆÅ¸›¸»›¸¸Ê, ¢›¸¡¸Ÿ¸¸Ê, ¢¨¸¢›¸¡¸Ÿ¸¸Ê÷¸˜¸¸
¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚š¸ú›¸‡½¬¸½Ÿ¸»¥¡¸¡¸¸Ÿ¸»¥¡¸¸Êœ¸£¸¸£úˆÅ£½,¸¸½‚¸ƒÄ¬¸ú”ú‚¸£¢¨¸¢›¸¡¸Ÿ¸¸Êˆ½Å¬¸¿¤¸ÖœÏ¸¨¸š¸¸›¸¸Êˆ½Å‚›¸º¬¸¸£¢›¸š¸¸Ä¢£÷¸Ÿ¸»¥¡¸¬¸½ˆÅŸ¸›¸í¸½;¸¸í½‡½¬¸½¢›¸¨¸½©¸ˆÅ(Š¸µ¸)¤¸ÿˆÅˆ½Å¢¨¸Ô¸Ÿ¸¸›¸¬¸™¬¡¸í¸Ê¡¸¸›¸íú¿.''
``œ¸º›¸À ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸¢ˆÅ¢¥¸¦¬’¿Š¸¢¨¸¢›¸¡¸Ÿ¸›¸̂
½ÅœÏ¸¨¸š¸¸›¸¸Ê,¤¸ÿ¢ˆ¿ÅŠ¸̂
ÅŸœ¸›¸ú(„œ¸ÇÅŸ¸¸ÊˆÅ¸‚¸Ä›¸‚¸¾£‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸1970ˆ½ÅœÏ¸¨¸š¸¸›¸¸Ê,¡¸»¢›¸¡¸›¸¤¸ÿˆÅ‚¸ÁûŃ¿¢”¡¸¸(©¸½¡¸£
÷¸˜¸¸ ¤¸¾“ˆÅ) ¢¨¸¢›¸¡¸Ÿ¸ 1998 ˆ½Å œÏ¸¨¸š¸¸
