BANK OF INDIA€¦ · 2 ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA...

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Transcript of BANK OF INDIA€¦ · 2 ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA...

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

    1. ÑããèãäÌãÌãñ‡ãŠã¶ã⪪ãÔã ShriVivekanandaDas

    2. Ñããè†.¹ããè.ÜãìØãÊã ShriA.P.Ghugal

    3. Ñããè†.‡ãñŠ.‚ã¶ãâªñÍÌãÀ¶ã ShriA.K.Anandeswaran

    4. ÑããèÔãìÍããèÊã‡ã슽ããÀ ShriSushilKumar

    5. Ñãã膶ã.Ôããè.Œãìʺãõ ShriN.C.Khulbe

    6. Ñããè†Ôã.‡ãñŠ.ª§ãã ShriS.K.Datta

    7. Ñããè¹ããè.‡ãñŠ.›ã›ããäÀ¾ãã ShriP.K.Tataria

    8. Ñããè¼ãìãä¹ãâªÀ¶ã¾¾ãÀ ShriBhupinderNayyar

    9. Ñããè‚ããÀ.‡ãñŠ.Øããñ¾ãÊã ShriR.K.Goyal

    10. Ñããè‚ããÀ.†¶ã.¦ãã¾ãÊã ShriR.N.Tayal

    11. Ñããè‚ããÀ.ÀãäÌãÞã⳶ã ShriR.Ravichandran

    12. Ñããè†Ôã.Ôããè.‚ãÀãñü¡ã ShriS.C.Arora

    13. Ñããè¡ãè.¹ããè.¼ã›ñ•ãã ShriD.P.Bhateja

    14. ÑããèÀãäÌã‡ã슽ããÀ ShriRaviKumar

    15. ÑããèØããõÀãèÍãâ‡ãŠÀ ShriGauriShankar

    16. Ñããèºããè.ºããè.•ããñÍããè ShriB.B.Joshi

    17. Ñããè‚ããÀ.†.Íãâ‡ãŠÀ¶ããÀã¾ã¥ã¶ã ShriR.A.SankaraNarayanan

    18. Ñããè‚ããÀ.‡ãñŠ.Ìã½ããà ShriR.K.Verma

    19. Ñããè¹ãìãäÓ¹ãâªÀãäÔãâÖ ShriPushpinderSingh

    20. ÑããèÀã•ããèÌãÔã‡ã‹Ôãñ¶ãã ShriRajivSaxena

    21. ÑããèÔããè.†½ã.¼ã¶ããñ¦ã ShriC.M.Bhanot

    22. ÑããèªñºããÍããèÓãÞã‰ãŠÌã¦ããê ShriDebashishChakraborty

    ½ãÖã¹ãƺãâ£ã‡ãŠGENERAL MANAGERS

    ¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã HEAD OFFICE

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

    ¶ãñÍã¶ãÊã ºãöãä‡ãâŠØã ØãÆî¹ã NATIONAL BANKING GROUP

    1. Ñããè‚ããÀ.Ôããè.ŒãìÀã¶ãã ShriR.C.Khurana

    2. Ñããè›ãè.ºããÊããÔãìºãƽããä¥ã¾ã¶ã ShriT.Balasubramanian

    3. Ñããè¹ããè.†Ôã.ÀãÌã¦ã ShriP.S.Rawat

    4. ÑããèÀã‡ãñŠÍãÔãñŸãè ShriRakeshSethi

    5. Ñããè¹ãÆñ½ã‡ã슽ããÀ ShriPremKumar

    ºãð֦㠇ãŠãù¹ããóÀñ› LARGE CORPORATE

    1. Ñããè¡ãè.Êãà½ããè¶ããÀã¾ã¥ãã ShriD.Laxminarayana

    2. Ñããè†.‡ãñŠ.Öãâ¡ã ShriA.K.Handa

    ãäÌãªñÍããè ‡ãñŠ¶³ OVERSEAS CENTRES

    1. Ñããè¶ãÀñ¶³¹ãÆÔã㪠ShriNarendraPrasad

    2. Ñããè•ããè.Ôããè.ãä¦ãÌããÀãè ShriG.C.Tewari

    3. Ñããè½ãì¶ããèÀ‚ããÊã½ã ShriMunirAlam

    ½ãÖã¹ãƺãâ£ã‡ãŠGENERAL MANAGERS

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

    ‚㣾ãàã †Ìãâ ¹ãƺãâ£ã ãä¶ãªñÍã‡ãŠ ‡ãŠã Ìã§ãŠÌ¾ã

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    ƒÔã½ãò ‡ãŠãñƒÃ ªãñ Àã¾ã ¶ãÖãé Öãñ Ôã‡ãŠ¦ããè ãä‡ãŠ ÌãÓãà 2011-12 ÌãõãäÍÌã‡ãŠ ‚ããõÀ ÜãÀñÊãî ªãñ¶ããòÖãè Ô¦ãÀãò ¹ãÀ ‚㦾ããä£ã‡ãŠ Þãì¶ããõãä¦ã¾ããò Ôãñ ¹ããäÀ¹ãî¥ãà ÌãÓãà ÀÖãý ãäÌãÍÌã ‚ãã„›¹ãì› Ìãðã䮽ãò ¼ããÀãè ‡ãŠ½ããè ªñŒããè Øã¾ããèý •ããñ ‚ãã„›¹ãì› ÌãÓãà 2010 ½ãò 5.3% ©ãã ÌãÖ ÌãÓãà 2011½ãò ãäØãÀ‡ãŠÀ 3.9% Öãñ Øã¾ããý †ñÔãã ½ã쌾ã ¹ã Ôãñ Ôã¦ã¦ãá †Ìãâ Øãֶ㠇㊕ãà Ôãâ‡ãŠ› ‡ãñŠ‡ãŠãÀ¥ã ¾ãîÀãñ¹ããè¾ã ªñÍããò ‡ãñŠ ãä¶ã½¶ã Ô¦ãÀãè¾ã ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠇ãñŠ ‡ãŠãÀ¥ã Öì‚ããý „¸ã¦ã‚ã©ãÃ̾ãÌãÔ©ãã½ãò•ããè¡ãè¹ããèØãÆãñ©ã,¾ãî†ÔㆽãòãäÔ©ããä¦ã½ãò½ãã½ãîÊããèÔãì£ããÀ‡ãñŠºããÌã•ãîªÌãÓãÃ2010 ½ãò 3.2% ‡ãñŠ ¦ãìÊã¶ãã ½ãò 2011 ½ãò Ü㛇ãŠÀ 1.6% ¦ã‡ãŠ Öãñ Øã¾ããèý „¼ãÀ¦ããè ÖìƒÃ‚ããõÀ ãäÌã‡ãŠãÔãÍããèÊã ‚ã©ãÃ̾ãÌãÔ©ãã „¸ã¦ãªñÍããò ‡ãŠãè ¹ãÆãä¦ã‡ãîŠÊã „ªáÜ㛶ãã‚ããò Ôãñ ¹ãƼãããäÌã¦ãÖìƒÃ ‚ããõÀ Ìãðãä® ½ãò ½ãâªãè ‡ãñŠ ¹ãŠÊãÔÌã¹ã ÌãÖ 2010 ½ãò 7.5% Ôãñ Ü㛇ãŠÀ 2011 ½ãò6.2%¹ãÀ‚ããØã¾ããèý

    ¾ãîÀãñ †ãäÀ¾ãã ½ãò ºãöãä‡ãâŠØã †Ìãâ ÔãÀ‡ãŠãÀãè ºã㶡ãò ‡ãñŠ ºããû•ããÀ ¼ããÀãè ªºããÌã ½ãò ÀÖñ ‚ããõÀºãö‡ãŠ´ãÀã ¹ããäÀãäÔ©ããä¦ã¾ããò ‡ãŠã Êãã¼ã ¶ã „Ÿã ¹ãã¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ÌãõãäÍÌã‡ãŠ ãäÌã§ããè¾ã ºããû•ããÀ‚ããäÔ©ãÀÀÖñãä‡ã⊦ãìÒü¤‚ããõÀ‚ã¼ãî¦ã¹ãîÌãöããèãä¦ãÔãâºãâ£ããè‡ãŠãÀÃÌãヾããòÌã¾ãîÀãñ¹ããè¾ã¶ãÔãò›ÈÊãºãö‡ãŠ ‡ãŠãè ¦ãÀÊã¦ãã ‡ãñŠÔããä½½ãÑã¥ã ‡ãŠãè ‡ãŠãÀÃÌãヾããòÔãñ ÌãõãäÍÌã‡ãŠ ºããû•ããÀ ‡ãŠãè‚ãÌã£ããÀ¥ããò½ãòÌãÓãÇãŠãèÔã½ããã书ã‡ãñŠ‚ãã¦ãñ-‚ãã¦ãñÔãì£ããÀ¼ããè‚ãã¶ãñÊãØããý

    ÜãÀñÊãîÔ¦ãÀ¹ãÀ,ãäÌã§ããè¾ãÌãÓãÃ2011-12‡ãñŠªãõÀã¶ãÌãðã䮪À¹ãƦ¾ãñ‡ãŠ‰ãŠ½ããØã¦ããä¦ã½ããÖãè½ãò £ããè½ããèÀÖãèý ¹ãîÀñ ÌãÓãà ‡ãŠãè•ããè¡ãè¹ããè Ìãðãä®2010-11½ãò 8.4%‡ãŠãè ¦ãìÊã¶ãã ½ãò 6.5%ÀÖãèý ãäÌããä¶ã½ããÃ¥ã Ôãñ‡ã‹›À ‡ãŠãè Ìãðã䮪À ½ãò ¼ããè ãäØãÀãÌã› ‚ãã¶ãñ Ôãñ •ããñ ªÀ ÌãÓãà 2010-11 ½ãò 7.6% ©ããè „Ôã‡ãŠãè ¦ãìÊã¶ãã ½ãò ÌãÖ 2.5% ¦ã‡ãŠ Öãè ÀÖ Øã¾ããèý ½ããƒãä¶ãâØã ½ãò¶ã‡ãŠãÀ㦽ã‡ãŠ Ìãðãä® ªÀ (-0.90%) ‚ããõÀ ãä¶ã½ããå㠇ãŠã¾ããô ½ãò ‚ãã¾ããè ½ãâªãè ¶ãñ Ôã½ãØãÆ‚ãããä©ãÇ㊠ãäÌã‡ãŠãÔã ‡ãŠãñ ¶ããèÞãñ Êãã¶ãñ ½ãò ‚ã¹ã¶ããè ¼ãîãä½ã‡ãŠã ãä¶ã¼ããƒÃ ‚ããõÀ ºãöãä‡ãâŠØã Ôãñ‡ã‹›À ‡ãñŠ¨ãÉ¥ããò ½ãò Ìãðãä® ‡ãŠãñ ¼ããèÀãñ‡ãŠãýÔãì‡ã㠇ãŠãè ºãã¦ã¾ãÖÀÖãè ãä‡ãŠ ½ãì³ãÔ¹ãŠãèãä¦ã,•ããñŒãã²ã‚ããõÀ ØãõÀ-Œãã²ã ½ãì³ãÔ¹ãŠãèãä¦ã ªãñ¶ããò ‡ãñŠ ¹ãƼããÌã ‡ãñŠ ‡ãŠãÀ¥ã ¶ãÌ㽺ãÀ, 2011 ½ãò ÊãØã¼ãØãªãñÖÀñ‚ãâ‡ãŠãò‡ãŠãñœî¶ãñÊãØããè©ããè,ÌãÓãÇãñŠ‚ãâ¦ã¦ã‡ãŠÌãÖÊãØã¼ãØã7%¦ã‡ãŠ‚ããØã¾ããèý

    ÌãÓãà 2011-12 ½ãò ãä¶ã¾ããæããò ½ãò 20.9% ‡ãŠãè ‚ãÞœãè ŒããÔããè Ìãðãä® ÖìƒÃ Êãñãä‡ãŠ¶ã „ÞÞã¦ãÀ‚ãã¾ãã¦ã Ìãðã䮂ããõÀÁ¹ã¾ãñ ‡ãñŠ ½ãîʾãÖÈãÔã ‡ãŠãè Ìãû•ãÖÔãñ ̾ãÌãÔãã¾ã Üãã›ã ‚ããõÀ •¾ããªãºãü¤Øã¾ããý ÌãÓãÃ2010-11½ãò•ããñ ̾ãÌãÔãã¾ãÜãã›ã¾ãî†Ôã¡ãè118.6 ãäºããäÊã¾ã¶ã©ãã, ÌãÖÌãÓãà 2011-12 ½ãò ºãü¤‡ãŠÀ ¾ãî†Ôã¡ãè 184.9 ãäºããäÊã¾ã¶ã Öãñ Øã¾ããý ÞããÊãî Œãã¦ãã Üãã›ã,•ããè¡ãè¹ããè ‡ãñŠ ‚ã¹ãÆõÊã Ôãñ ãäªÔãâºãÀ ¦ã‡ãŠ ‡ãŠãè ‚ãÌããä£ã ½ãò 4.0 ¹ãÆãä¦ãÍã¦ã ©ããý ãäÌã§ããè¾ã ÌãÓãÃ2011-12 ‡ãñŠ ªãõÀã¶ã,¹ã¾ãã ªºããºã ½ãò ‚ãã Øã¾ããý •ãìÊããƒÃ, 2011 ‡ãŠãñ ¹ãÆãä¦ã ¾ãî†Ôã¡ãè` 43.94 ‡ãñŠ „úÞããƒÃ Ôãñ ¾ãÖ15 ãäªÔãâºãÀ,2011 ‡ãŠãñ 54.23 ‡ãñŠ ãä¶ãÞãÊãñ Ô¦ãÀ ¹ãÀ‚ããØã¾ãã,ƒÔã¹ãƇãŠãÀƒÔã½ãò19%‡ãŠã½ãîʾãÖÈãÔãÖì‚ããý

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    ‚ããõÀ ºãü¤ãñ¨ããè ‡ãñŠ •ããñãäŒã½ã ‡ãŠãñ ºãü¤ã¾ããý ƒãä‡ã‹Ìã›ãè ºããû•ããÀ ¼ããè ½ãâªãè ‡ãŠã ãäÍã‡ãŠãÀ ÖãñØã¾ãã ‚ããõÀ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ÔãîÞã‡ãŠãâ‡ãŠ ½ãò 10.5% ‡ãŠãè ãäØãÀãÌã› ‚ãã¾ããèý ÌãÓãà 2011-12½ãò ¦ãÀÊã¦ãã ‡ãŠãè ãäÔ©ããä¦ã¾ããâ ¼ããèŒãÀãºãÖãèÀÖãèýÊãØãã¦ããÀ„ÞÞã ½ãì³ãÔ¹ãŠãèãä¦ã‚ããõÀ ÌãÓãÇãñŠ ªãõÀã¶ã 5 ºããÀ ‚ããÀºããè‚ããƒÃ ´ãÀã Àñ¹ããñ ªÀãò ½ãò Ìãðãä® ‚ããõÀ ÔãÀ‡ãŠãÀ´ãÀã „ÞÞã¦ãÀ„£ããÀãò ‡ãñŠ ‡ãŠãÀ¥ã ÌãÓãà 2011-12 ½ãò º¾ãã•ãªÀ ¼ããè „úÞããè ºã¶ããè ÀÖãèý ÌãÓãà 2011-12 ½ãò„ÞÞã Àã•ã‡ãŠãñÓããè¾ã ãä¹ãŠÔãÊã¶ãò ¼ããè ªû•ãà ÖìƒÃ ãä•ãÔã‡ãŠãè Ìã•ãÖ Àã•ã‡ãŠãñÓããè¾ã Üãã›ã 4.6%‡ãñŠÌã•ã›ãè¾ãÔ¦ãÀ‡ãŠãè¦ãìÊã¶ãã½ãò5.9%¦ã‡ãŠºãü¤Øã¾ããý

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    ÌãÓãà 2011-12 ‡ãñŠ ªãõÀã¶ã ‚ããÀºããè‚ããƒÃ ‡ãŠãè ½ããõã䳇㊠¶ããèãä¦ã Ô㽺ãâ£ããè ÀÌãõ¾ãã •ã¶ãÌãÀãè,2012 ¦ã‡ãŠ ÊãØãã¦ããÀ ‡ãŠŸãñÀÖãè ºã¶ãã ÀÖãýƒÔã‡ãŠã Êãà¾ã ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãñ ãä¶ã¾ãâãä¨ã¦ã‡ãŠÀ¶ãã ‚ããõÀ ½ãì³ãÔ¹ãŠãèãä¦ã‡ãŠ ‚ã¹ãñàãã‚ããò ‡ãŠãñ Àãñ‡ãŠ¶ãã ©ããý ¦ã¦¹ãÍÞãã¦ã, ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãèÀû¹ã‹¦ããÀ ‡ãŠãñ ‡ãŠ½ã ‡ãŠÀ¶ãñ ‚ããõÀ Ìãðãä® ‡ãŠãè Øããä¦ã ‡ãŠãñ ¹ã›Àãè ¹ãÀ Êãã¶ãñ ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ããäÀû•ãÌãúãö‡ãŠ¶ãñ†‡ãŠ¦ã›Ô©ãÁŒã‚ã¹ã¶ãã¾ããý¼ããÀ¦ããè¾ããäÀû•ãÌãúãö‡ãŠ¶ãñ¦ãÀÊã¦ããÔãâºãâ£ããèÜãã›ñ‡ãŠãèãäÔ©ããä¦ã‡ãŠãñÔãã£ã¶ãñ‡ãñŠãäÊㆇãŠãä¦ã¹ã¾ãÔÌã¦ã:Ô¹ããĹãã¾ã•ãõÔãñŒãìÊããºããû•ããÀ¹ããäÀÞããÊã¶ã(‚ããñ†½ã‚ããñ)‚ããõÀÔããè‚ããÀ‚ããÀ½ãò‡ãŠ›ãõ¦ããè¼ããèãä‡ãŠ†ý

    Íãì ½ãò, ºãÞã¦ã ºãö‡ãŠ •ã½ããÀããäÍã¾ããò ¹ãÀ º¾ãã•ã ªÀ ‡ãŠãñ 3.50% Ôãñ ºãü¤ã‡ãŠÀ4.0% ãä‡ãŠ¾ãã Øã¾ãã ãä•ãÔã‡ãŠã ºã㪠½ãò ‚ã-ãäÌããä¶ã¾ã½ã¶ã ‡ãŠÀ ã䪾ãã Øã¾ããý †¶ã¹ããè† †Ìãâ¹ãì¶ãÔãÄÀãäÞã¦ãŒãã¦ããò ‡ãñŠ ¹ãÆãÌã£ã¶ã Ôãâºãâ£ããè ½ãã¶ã‡ãŠãò ‡ãŠãñ Ô㌦ã ãä‡ãŠ¾ãã Øã¾ããý ÌãÓãà 2011-12 ‡ãñŠªãõÀã¶ã ºãö‡ãŠ ‡ãŠãè ½ãÖ¦Ìã¹ãî¥ãà „ªá £ã›¶ãã‚ããò ½ãò †‡ãŠ ½ãÖ¦Ìã¹ãî¥ãà Ü㛶ãã ¾ãÖÀÖãèãä‡ãŠ †¶ã¹ããè† ‡ãñŠ ãäÊㆠ¹ãÆ¥ããÊããè ÔãâÞããÊã‡ãŠ ¹ãÖÞãã¶ã ‡ãŠãè Íãì‚ãã¦ã ‡ãŠãè Øã¾ããè ‚ã©ããæããäÔãÔ›½ã ‡ãñŠ ½ã㣾ã½ãÔãñÖãè †¶ã¹ããè† ‡ãŠã ‚ããä¼ããä¶ã£ããÃÀ¥ã ãä‡ãŠ¾ãã•ãã¶ãñ ÊãØããÖõ ãä•ãÔã‡ãñŠ¹ãŠÊãÔÌã¹㠺ãö‡ãŠ ‡ãñŠ †¶ã¹ããè† ½ãò Ìãðãä® ÖìƒÃ ‚ããõÀ ãä•ãÔã‡ãñŠ ãäÊㆠ¹ãÆãÌã£ãã¶ã ‡ãŠÀ¶ãã ¹ãü¡ã‚ããõÀ„Ôã‡ãŠã‚ãÞœãŒããÔãã¹ãƼããÌãÊãã¼ã¹ãƪ¦ãã¹ãÀ¼ããè¹ã¡ãý

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    ãäÌã§ããè¾ã ÌãÓãà 2012-13 ‡ãñŠ ãäÊㆠÒãäÓ›‡ãŠãñ¥ã:

    ¾ãÖ ¹ãƦ¾ããÍãã Öõ ãä‡ãŠ ãäÌã§ããè¾ã ‚ã©ãÃ̾ãÌãÔ©ãã ÌãÓãà 2012 ‡ãñŠ ªãõÀã¶ã ãä¹ãŠÀ Ôãñ ¹ãÆØããä¦ã‡ãñŠ ¹ã©ã ¹ãÀ Êããõ›¶ãñ ‡ãŠãè ãäªÍãã ½ãò ‚ãØãÆÔãÀ Öõý ‚ãÊãºã§ãã, ÌãõãäÍÌã‡ãŠ Ìãðãä® ªÀ ‡ãŠ½ã ÖãèÀÖ¶ãñ ‡ãŠãè Ôã½¼ããÌã¶ãã Öõý ÖãÊããúãä‡ãŠ ¾ãî†Ôㆠ½ãò ãäÀ‡ãŠÌãÀãè ‡ãŠãè Øããä¦ã ÌãÓãà 2012 ½ãò ºã¶ããèÀÖ¶ãñ ‡ãŠãè ‚ã¹ãñàããÖõ, ¦ã©ãããä¹ã ÌãõãäÍÌã‡ãŠ Ìãðã䮕ããñ ÌãÓãà 2011½ãò 3.9%©ããè, ÌãÓãà 2012½ãò ÊãØã¼ãØã 3.5% ¦ã‡ãŠ ÀÖ¶ãñ ‡ãŠãè Ôã½¼ããÌã¶ãã Öõý †ñÔãã ¾ãîÀãñ •ããñ¶ã ½ãò ãäÔ©ã¦ã ªñÍããò

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

    ‡ãŠãè ÖʇãŠãè ‚ãããä©ãÇ㊠½ãâªãè ‡ãñŠ ‡ãŠãÀ¥ã ½ãã¶ãã •ãã ÀÖã Öõý „¸ã¦ã ‚ã©ãÃ̾ãÌãÔ©ãã ½ãò ÌãÓãÃ2012‡ãñŠªãõÀã¶ã1.4%‡ãŠãè Ìãðãä®Öãñ¶ãñ ‡ãŠãèÔã½¼ããÌã¶ããÖõýƒÔã½ãò ÌãÓãÃ2013½ãòÖʇãñŠÔãñ Ôãì£ãÀñ Öì† ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠇ãŠãè Ôã½¼ããÌã¶ãã Öõ •ãºããä‡ãŠ „¼ãÀ¦ããè ÖìƒÃ ‚ã©ãÃ̾ãÌãÔ©ãã½ãò Ìãðãä® ÌãÓãà 2011 ½ãò 6.2% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ÌãÓãà 2012 ½ãò ÊãØã¼ãØã 5.7% ¦ã‡ãŠ ÖãèÀÖñØããèý

    ãäÌã§ããè¾ã ÌãÓãà 2012-13 ‡ãŠã ÜãÀñÊãî Ôã½ããäÓ› ‚ãããä©ãÇ㊠ÒãäÓ›‡ãŠãñ¥ã Ôã‡ãŠãÀ㦽ã‡ãŠ ÊãØã¦ããÖõý ¾ãÖ ½ãã¶ãã •ãã ÀÖã Öõ ãä‡ãŠ ƒÔã ÌãÓãà ‡ãŠãè •ããè¡ãè¹ããè Ìãðãä® ªÀ ½ãò ©ããñü¡ãè Ôããè Ìãðãä®ÖãñØããè‚ããõÀ¾ãÖ7.3%¦ã‡ãŠÀÖñØããè•ãºããä‡ãŠ¾ãÖÌãÓãà ãäÌã§ããè¾ã ÌãÓãÃ2011-12½ãò6.5%©ããèý Ôã½ãØãÆ ½ãì³ãÔ¹ãŠãèãä¦ã ¹ããäÀÒ;㠽ãò ÖʇãñŠ Ôãñ Ôãì£ããÀ ‡ãŠãè Ôã½¼ããÌã¶ãã Öõý ƒÔã ÌãÓãÇãñŠ ‚ãâ¦ã ¦ã‡ãŠ ©ããñ‡ãŠ ½ãîʾã ÔãîÞã‡ãŠãâ‡ãŠ 6.5% ‡ãñŠ ‚ããÔã¹ããÔã ÀÖñØããý ãäÌããä¶ã½ããå㠂ããõÀ½ããƒãä¶ãâØã àãñ¨ããò ½ãò ¼ããè ã䪆 Øㆠ‚ãã£ããÀ ¹ãƼããÌã Ôãñ ‡ã슜 Ôãì£ããÀ Öãñ¶ãñ ‡ãñŠ ‚ããÔããÀ ÖöýÔãñÌãã àãñ¨ã †‡ãŠ ºããÀ ãä¹ãŠÀ Ôã½ãØãÆ ‚ãããä©ãÇ㊠Ìãðãä® ‡ãŠãè ÔãÖã¾ã¦ãã ‡ãŠÀñØããý ¶ãÌããè¶ã¦ãÀ¼ããõØããñãäÊã‡ãŠ ªñÍããò ‡ãŠãñ ãä¶ã¾ããæ㠇ãñŠ ãäÌããäÌã£ããè‡ãŠÀ¥ã ‡ãñŠ ºããÌã•ãîª, ¼ããÀ¦ããè¾ã ãä¶ã¾ããæããò ½ãòÌãðãä®ÌãÓãÃ2012-13½ãò‡ãŠ½ãÖãèÀÖ¶ãñ‡ãŠãèÔã½¼ããÌã¶ããÖõý

    ãäÌã§ããè¾ã ÌãÓãà 2012-13 ‡ãñŠ ªãõÀã¶ã ¹ãƦ¾ãããäÍã¦ã „ÞÞã¦ãÀ •ããè¡ãè¹ããè Ìãðãä® ‚ããõÀ„¸ã¦ã ‚ããõ²ããñãäØã‡ãŠ ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶ã Ôãñ ºãö‡ãŠ ÌãÓãà ãäÌã§ããè¾ã ÌãÓãà 2012-13 ½ãò ºãñÖ¦ãÀ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠇ãŠÀ‡ãñŠ ã䪌ãã Ôã‡ãòŠØãñý ‚ãÊãºã§ãã ãä¶ã‡ãŠ› ¼ããäÌãӾ㠽ãò ºãö‡ãŠãò ‡ãñŠ ãäÊㆇãŠãä¦ã¹ã¾ã Þãì¶ããõãä¦ã¾ããú ÀÖòØããèý ºãö‡ãŠãò ‡ãŠãñ ºãñÔãÊã-III ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã ‡ãñŠ ‡ãŠãÀ¥ã ¹ãîú•ããè‡ãŠãè•ãÂÀ¦ã ¹ãü¡ñØããè,‚ã¶ãì¼ãÌããè ̾ããä§ãŠ¾ããò ‡ãŠãè‚ããä£ãÌããäÓãæãã ‡ãñŠ ‡ãŠãÀ¥ã½ãã¶ãÌãÔãâÔãã£ã¶ãÔãñ Ôãâºãâãä£ã¦ã ½ãÔãÊãñ ¼ããè „¶ã‡ãñŠ Ôãã½ã¶ãñ ÀÖòØãñ, ƒÔã‡ãñŠ Ôãã©ã-Ôãã©ã ºãÞã¦ã ºãö‡ãŠ ‚ããõÀ†¶ã‚ããÀƒÃ •ã½ããÀããäÍã¾ããò ‡ãñŠ ‚ããäÌããä¶ã¾ã½ã¶ã ‡ãñŠ Ô㶪¼ãà ½ãò †¶ã‚ããƒÃ†½ã ‡ãŠãñ Ôãì£ããÀ¶ããÖãñØãã ‚ããõÀ ‚ãããäÔ¦ã¾ããò ‡ãñŠ ÖñÊ©ã ‚ããõÀ †¶ã¹ããè† ¹ãƺãâ£ã¶ã ¹ãÀ Ôã¦ã¦ãá ãä¶ãØãÀã¶ããè ÀŒã¶ããèÖãñØããèý

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

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    l ãä¡ÊããèÌãÀãè Þãõ¶ãÊã ‡ãñŠ ¶ãÌããè¶ã¦ã½ã ãäÌã‡ãŠÊ¹ã ‡ãñŠ ¹㠽ãò ½ããñºããƒÊã ºãöãä‡ãâŠØã ÔãìãäÌã£ãã‚ããÀâ¼ã ‡ãŠãè ØãƒÃ Öõ •ããñ ÌãÔ¦ãì¦ã: ØãÆãÖ‡ãŠãò ‡ãñŠ ãä‡ãŠÔããè ¼ããè Ôã½ã¾ã ‡ãŠÖãé Ôãñ ¼ããè½ããñºããƒÊã ¹ãŠãñ¶ã ‡ãŠãè ÔãìãäÌã£ãã Ôãñ ºãöãä‡ãâŠØã Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ ÔÌããè‡ãŠãÀ ‡ãŠÀ¦ããè Öõý¾ãÖÔãìãäÌã£ãã Ôã¼ããèŒãìªÀãƒâ›À¶ãñ› ºãöãä‡ãâŠØã ØãÆãÖ‡ãŠãò ‡ãŠãñ ªãè ØãƒÃÖõ ‚ããõÀƒÔã½ãò•ã½ããÍãñÓã ¹ãããœ, ‚ãâãä¦ã½ã ¹ããúÞã Êãñ¶ã ªñ¶ã, Þãñ‡ãŠ ‡ãŠãè ãäÔ©ããä¦ã, ‚ãâ¦ãÀ¥ã †Ìãâ½ããñºããƒÊã¼ãìØã¦ãã¶ã•ãõÔããèãäÌãÍãñÓã¦ãã†âÍãããä½ãÊãÖõý

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    l ÔãÌããÃãä£ã‡ãŠãäÌãÍÌãÔã¶ããè¾ãºãÆ㶡(†½ã›ãèºããè)2011

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    l ÍããèÓãÃÔãñÌããºããù⡇ãñŠ‚ãâ¦ãØãæã11Ìããùâ

    l ¼ããÀ¦ãÔãÀ‡ãŠãÀ ¶ãñ Ôãîà½ã†Ìãâ ÊãÜãì „²ã½ãàãñ¨ã ‡ãñŠ ‚ãâ¦ãØãæㄣããÀ ½ãò ºãö‡ãŠ‡ãñŠ ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠇ãŠãñ ½ã㶾ã¦ãã ªãè Öõ ‚ããõÀ ƒÔã Öñ¦ãì ºãö‡ãŠ ‡ãŠãñ ªîÔãÀãÑãñÓŸ ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠹ãìÀÔ‡ãŠãÀ (†Ôãºããè‚ããƒÃ ‡ãñŠ ºã㪠‚ãØãÊãã) ¹ãƪã¶ããä‡ãŠ¾ãã Öõý Ôããè•ããè›ã膽ã†ÔãƒÃ ‡ãŠãè Ôãâ¹ãããäÍÌãÇ㊠½ãì§ãŠ „£ããÀ ¾ããñ•ã¶ãã ‡ãñŠ‚ãâ¦ãØãæã Ôãîà½ã †Ìãâ ÊãÜãì Œãã¦ããò ‡ãŠãè ‚ããä£ã‡ãŠããä£ã‡ãŠ Ôã⌾ãã ‡ãŠÌãÀ ‡ãŠÀ¶ãñ‡ãñŠ ãäÊㆠ``ÑãñÓŸ ‡ãŠã¾ãà ãä¶ãÓ¹ã㪶㠺ãö‡ãŠ'' ‡ãñŠÂ¹ã ½ãò ºãö‡ãŠ ‡ãŠãñ ½ã㶾ã¦ããªãèØãƒÃÖõý

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    ãäÌã§ããè¾ã Ôã½ããèàãããäÌã§ããè¾ã ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶ã

    ºãö‡ãŠ ¶ãñ ` 6,693.95 ‡ãŠÀãñü¡ ‡ãŠã ¹ããäÀÞããÊã¶ã Êãã¼ã ª•ãà ãä‡ãŠ¾ãã (ãä¹ãœÊãñ ÌãÓãà ¾ãÖ` 5,384.23 ‡ãŠÀãñü¡ ©ãã) ãä¶ãÌãÊã Êãã¼ã` 2,677.52 ‡ãŠÀãñü¡ ÀÖãý (ãä¹ãœÊãñ ÌãÓãà ¾ãÖ` 2,488.71 ‡ãŠÀãñü¡ ©ãã) ãä½ãÑã ‡ãŠãÀãñºããÀ ½ãò 10.61% (` 5,15,040.06 ‡ãŠÀãñü¡ Ôãñ`5,69,710.32‡ãŠÀãñü¡)‡ãñŠÔãìÒü¤‡ãŠãÀãñºããÀÌãðã䮇ãñŠ‡ãŠãÀ¥ããä¶ãÌãÊ㺾ãã•ã‚ãã¾ã½ãò6.44%‡ãŠãè Ìãðãä®ÖìƒÃýØãõÀ-º¾ãã•ã‚ãã¾ã½ãò25.74%‡ãŠãè Ìãðãä®ÖìƒÃ‚ããõÀ ãä¹ãœÊãñ ÌãÓãÇãñŠ52.12%‡ãŠãè¦ãìÊã¶ãã½ãò67.23%¹ããäÀÞããÊã¶ãØã¦ã̾ã¾ã‡ãŠÌãÀÖì‚ããý

  • 9

    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

    ÌãÓãà 2011-12 ‡ãñŠªãõÀã¶ã ºãö‡ãŠ ‡ãñŠ ãäÌã§ããè¾ã ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠇ãŠãÔããÀãâÍã ãä¶ã½¶ããäÊããäŒã¦ãÖõ:

    (ÀããäÍã`‡ãŠÀãñü¡½ãò)

    ãäÌãÌãÀ¥ã 2010-11 2011-12 Ìãðãä® (%)

    ãä¶ãÌãÊ㺾ãã•ã‚ãã¾ã 7810.69 8313.43 6.44

    ØãõÀº¾ãã•ã‚ãã¾ã 2641.77 3321.77 25.74

    ¹ããäÀÞããÊã¶ã̾ã¾ã 5068.24 4940.66 -2.52

    ¹ããäÀÞããÊã¶ãÊãã¼ã 5384.23 6693.95 24.33

    ¹ãÆãÌã£ãã¶ã/‚ãã‡ãŠãäÔ½ã‡ãŠ¦ãã†â 2895.52 4016.43 38.71

    ãä¶ãÌãÊãÊãã¼ã 2488.71 2677.52 7.59

    ¹ãÆãä¦ãÍãñ¾ãÀ‚ã•ãöã(`) 47.35

    ¹ãÆãä¦ãÍãñ¾ãÀºãÖãè½ãîʾã(`) 283.24 326.52 15.28

    ‚ããõÔã¦ããä¶ãÌãÊã½ãããäÊã¾ã¦ã¹ãÀ¹ãÆãä¦ãÊãã¼ã(%) 17.80 15.63 -

    ‚ããõÔã¦ã‚ãããäÔ¦ã¾ããò¹ãÀ¹ãÆãä¦ãÊãã¼ã(%) 0.82 0.72 -

    ‡ã슜½ã쌾ããäÌã§ããè¾ã‚ã¶ãì¹ãã¦ã¶ããèÞãñ¹ãÆÔ¦ãì¦ããä‡ãŠ†Øã†Öõ:

    (¹ãÆãä¦ãÍã¦ã)(%)

    ½ãã¶ãª¥¡ 2010-11 2011-12

    ‚ããäØãƽã¹ãÀ‚ãã¾ã 8.62 9.38

    ãä¶ãÌãñÍã¹ãÀ‚ãã¾ã 7.59 7.69

    ãä¶ããä£ã¾ããò¹ãÀ‚ãã¾ã 7.14 7.88

    •ã½ããÀããäÍã¾ããò‡ãŠãèÊããØã¦ã 5.03 6.01

    ãä¶ããä£ã¾ããò‡ãŠãèÊããØã¦ã 4.57 5.58

    ãä¶ãÌãÊ㺾ãã•ã½ãããä•ãöã 2.92 2.52

    ¹ããäÀÞããÊã¶ã̾ã¾ããò‡ãñŠ¹ãÆãä¦ãØãõÀº¾ãã•ã‚ãã¾ã 52.12 67.22

    ‚ããõÔã¦ã‡ãŠã¾ãÃÍããèÊããä¶ããä£ã‡ãñŠ¹ãÆãä¦ã‚㶾ã‚ãã¾ã 0.87 0.92

    ‚ããõÔã¦ã‡ãŠã¾ãÃÍããèÊããä¶ããä£ã‡ãñŠ¹ãÆãä¦ã¹ããäÀÞããÊã¶ã̾ã¾ã 1.66 1.37

    ‚ããõÔã¦ã‡ãŠã¾ãÃÍããèÊããä¶ããä£ã‡ãñŠ¹ãÆãä¦ãÔ›ã¹ãŠÌ¾ã¾ã 1.14 0.84

    ‚ããõÔã¦ã‡ãŠã¾ãÃÍããèÊããä¶ããä£ã‡ãñŠ¹ãÆãä¦ã‚㶾ã¹ããäÀÞããÊã¶ã̾ã¾ã 0.52 0.52

    ‚ãããäԦㄹã¾ããñØã‚ã¶ãì¹ãã¦ã 1.77 1.85

    ‡ãìŠÊã‚ãã¾ã‡ãñŠ¹ãÆãä¦ãØãõÀº¾ãã•ã‚ãã¾ã 10.83 10.44

    ãä¶ãÌãÊã‚ãã¾ã‡ãñŠ¹ãÆãä¦ãØãõÀº¾ãã•ã‚ãã¾ã 25.27 28.55

    ãä¶ãÌãÊã‚ãã¾ã‡ãñŠ¹ãÆãä¦ãÊããØã¦ã 48.49 42.47

    Œã¥¡ÌããÀ ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶ã

    ÌãÓãà 2011-12 ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ `6,693.95 ‡ãŠÀãñü¡ ‡ãŠã ¹ããäÀÞããÊã¶ã Êãã¼ã ‚ããä•ãæããä‡ãŠ¾ãã Öõý ƒÔã½ãò ‡ãŠãñÓããØããÀ ¹ããäÀÞããÊã¶ããò ‡ãŠã ¾ããñØãªã¶ã `5909.00 ‡ãŠÀãñü¡ ‡ãŠã ÀÖã‚ããõÀ ‚㶾㠺ãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ããò ¶ãñ `784.95 ‡ãŠÀãñü¡ ‡ãŠã Êãã¼ã ‚ããä•ãæã ãä‡ãŠ¾ããý ÌãÓãÃ2011-12 ½ãò ‚ããäÌã¶ããñ•¾ã ̾ã¾ã, ‚ããäÌã¶ããñ•¾ã ‚ãã¾ã ‡ãŠãñ ‡ãŠ½ã ‡ãŠÀ `152.98 ‡ãŠÀãñü¡ÀÖãý

    Êãã¼ããâÍã

    ÌãÓãà ‡ãñŠ ãäÊã†`7 ¹ãÆãä¦ãÍãñ¾ãÀ(70%)‡ãŠãèªÀÔãñÊãã¼ããâÍãÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ããý ‡ãìŠÊãÊãã¼ããâÍã¼ãìØã¦ãã¶ã‡ãŠãèÀããäÍã`465.98‡ãŠÀãñü¡Öõý(Êãã¼ããâÍããäÌã¦ãÀ¥ã‡ãŠÀÔããäÖ¦ã)

    ¹ãîú•ããè

    ãäÌã§ããè¾ãÌãÓãÃ2011-12½ãòºãö‡ãŠ‡ãŠãèãä¶ãÌãÊã½ãããäÊã¾ã¦ã`15,499.50‡ãŠÀãñü¡Ôãñºãü¤‡ãŠÀ` 18,759.40 ‡ãŠÀãñü¡ ÖìƒÃý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ Àホ ¾ãã ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ ‡ãñŠ‚ããä£ã½ãã¶ããèãä¶ãØãýã‡ãñŠ½ã㣾ã½ãÔãñ‚ã¹ã¶ããèƒãä‡ã‹Ìã›ãè¹ãîú•ããè‡ãŠãñºãü¤ã¾ããý

    ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã

    ºããÔãÊã II ¹ãÆñŠ½ãÌã‡ãÊ ‡ãñŠ ‚ã¶ãìÔããÀ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã 11.95%ÀÖãý•ããñãä‡ãŠãä¶ã¾ãã½ã‡ãŠ‚ããÌã;ã‡ãŠ¦ããÔãñ10%„ÞÞã¦ãÀ©ããý

    ¹ãîú•ããè¹ã¾ããù¦ã¦ãã(ºããÔãÊãII)‡ãñŠãäÌãÌãÀ¥ããä¶ã½¶ãã¶ãìÔããÀªÍããÆØã†Öö:

    (`‡ãŠÀãñü¡½ãò)ãäÌãÌãÀ¥ã 31.03.2011 31.03.2012(ºããÔãÊã II ‡ãñŠ ‚ãâ¦ãØãæã) ÀããäÍã Ôããè‚ããÀ†‚ããÀ ÀããäÍã Ôããè‚ããÀ†‚ããÀ (%) (%)ã䛾ãÀI¹ãîú•ããè 17,047 8.33 20,230 8.59ã䛾ãÀII¹ãîú•ããè 7,867 3.84 7,916 3.36‡ãìŠÊã¹ãîú•ããè 24,914 12.17 28,147 11.95•ããñãäŒã½ã¼ãããäÀ¦ã‚ãããäÔ¦ã¾ããùâ 2,04,762 - 2,35,466 -

  • 10

    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12

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    ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2011-12ºãö‡ãŠ ‚ã�