ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

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

ãä¹ãƾã Íãñ¾ãÀ£ããÀ‡ãŠãò,

31 ½ããÞãà 2011 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠ‚ãã¹ã‡ãñŠ ½ãÖã¶ã ¦ã©ãã Êãâºãñ Ôã½ã¾ã Ôãñ ‡ãŠã¾ãÃÀ¦ã ÔãâÔ©ãã ‡ãŠãè ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãñ Öì† ½ãì¢ãñ ÖããäªÃ‡ãŠ ¹ãÆÔã¸ã¦ãã Öãñ ÀÖãè Öñý

ֽ㠶ㆠãäÌã§ããè¾ã ÌãÓãà ½ãò ¹ãÆÌãñÍã ‡ãŠÀ Þãì‡ãñŠ Öö, ºããè¦ãñ ÌãÓãà ¹ãÀ ÔãÀÔãÀãè ¶ã•ãÀ ¡ãÊã¶ãã ãäÍãàãã¹ãƪ ÖãñØãã ¦ã©ãã ‚ããØãñ ‚ãã¶ãñ ÌããÊããè Þãì¶ããõãä¦ã¾ããò ¦ã©ãã ‚ãÌãÔãÀãò ‡ãŠã •ãã¾ã•ãã ãä½ãÊãñØããý

ÌãÓãà 2010 ½ãò ÌãõãäÍÌã‡ãŠ ÌãÔãîÊããè ‚ããõÀ ‚ããä£ã‡ãŠ ªñÍããò ‡ãŠãñ Ôããä½½ããäÊã¦ã ‡ãŠÀ¦ãñ Öì† ‚ããõÀ Íããä§ãŠ ‚ããä•ãæ㠇ãŠãè, ¹ããäÀ¹ã‡ã‹Ìã¦ãã ¹ãÆ㹦㠇ãŠãè ¦ã©ãã ãäÌãÔ¦ãããäÀ¦ã ÖìƒÃý 2010 ‡ãñŠ ¹ãÆ©ã½ã ‚ã£ãÃÌãÓãà ½ãò ÌãÔãîÊããè ¹ãÆãä‰ãŠ¾ãã ‡ãŠã ‚ããä¶ãÍÞã¾ã ¶ãÌãºãâÀ 2010 ‡ãñŠ ‚ããÀ½¼ã Ôãñ •ãî¶ã 2011 ¦ã‡ãŠ •ããÀãè Öãñ¶ãñ Ôãñ ¾ãî†Ôã ¡ãùÊãÀ 600 ãäºããäÊã¾ã¶ã ‡ãŠãè ¹ããäÀ½ãã¥ã¦½ã‡ãŠ ÔãìØã½ã¦ãã ‡ãŠã ªîÔãÀã ‚ãâÍã ÜããñãäÓã¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¹ãÆñãäÀ¦ã Öì‚ããý ãäÌãÍÌã ‡ãñŠ ¹ãƽãìŒã ‡ãñŠ¶³ãè¾ã ºãö‡ãŠãò •ãõÔãñ ¹ãñŠ¡, ƒÃÔããèºããè ¦ã©ãã ºãö‡ãŠ ‚ããùû¹ãŠ ƒØÊãö¡ ´ãÀã ÔãÀÊã ½ããõã䳇㊠„Î ñ;㠇ãñŠ ‰ãŠ½ã ½ãò ÌãõãäÍÌã‡ãŠ ½ãâªãè ‡ãñŠ ªãñÖÀñ ãäØãÀãÌã› Ôãñ ºãÞã¶ãñ ‡ãñŠ ãäÊㆠ2010 ½ãò ÌãõãäÍÌã‡ãŠ •ããè¡ãèºããè ½ãò ÔãÍã§ãŠ ÌãÔãîÊããè ‡ãñŠ ãäÊㆠÔãÖã¾ã‡ãŠ ÖìƒÃý

‚㶦ãÀãÃÓ›Èãè¾ã ½ããõã䳇㊠ãä¶ããä£ã ‡ãŠãè ¼ããäÌãÓ¾ãÌãã¥ããè ‡ãñŠ ‚ã¶ãìÔããÀ 2010 ½ãò 5% Ìãðãä® ‡ãŠãè ¦ãìÊã¶ãã ½ãò 2011 ½ãò ãäÌãÍÌã „¦¹ã㪶ã 4.4% ¦ã‡ãŠ ÀÖñØããý ãäÌã‡ãŠãÔãÍããèÊã ªñÍããò ‡ãñŠ ‚ãâ¦ãØãæã "ãäÌã‡ãŠãÔãÍããèÊã †ãäÍã¾ãã" (Þããè¶ã, ¼ããÀ¦ã ¦ã©ãã ††ÔãƒÃ†¶ã-5) ‡ãŠã ãäÌã‡ãŠãÔã 2011 ½ãò 8.4% ‚ã¹ãñãäàã¦ã Öõý ƒÔã‡ãñŠ ‚ããä¦ããäÀ§ãŠ, ãäÌãÍÌã ̾ãã¹ããÀ ÔãâÔ©ãã ‡ãñŠ ‚ã¶ãì½ãã¶ã ‡ãñŠ ‚ã¶ãìÔããÀ 2010 ½ãò 14.5% ‡ãŠãè „ÊÊãñŒã¶ããè¾ã Ìãðãä® ‡ãŠãè ¦ãìÊã¶ãã ½ãò 2011 ½ãò 6.5% ãäÌã‡ãŠãÔã ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý 2011 ½ãò ÌãõãäÍÌã‡ãŠ ‡ãŠãÀãñºããÀ ãäÌã‡ãŠãÔã ½ãò ãäÌã‡ãŠãÍããèÊã ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãñŠ ‚ãØãÆ¥ããè ÀÖ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý ¶ããèãä¦ãØã¦ã ½ãâÞã ‡ãñŠ ¹㠽ãò •ããè-20 ‡ãñŠ ÔãÍã‡ã‹¦ããè‡ãŠÀ¥ã ‡ãŠã ¼ããè ÌãÓãà 2010 ØãÌããÖ ÀÖãý ÔãÍã§ãŠ, ‚ã¶ãÌãÀ¦ã ¦ã©ãã Ôãâ¦ãìãäÊã¦ã Ìãðãä® ‡ãñŠ ãäÊㆠ•ããè-20 ¹ãÆãä¦ãºã® Öõ •ããñ ¼ããÌããè ÌãõãäÍÌã‡ãŠ ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãŠã ÍãØãì¶ã Öõý

¾ã²ããä¹ã ¹ãÆ©ã½ã ¦ããè¶ã ãä¦ã½ãããäÖ¾ããò ½ãò 8.0% Ìãðãä® ª•ãà ‡ãŠÀ¶ãñ ‡ãñŠ ºã㪠2010-11 ‡ãŠãè Þã¦ãì©ãà ãä¦ã½ããÖãè ½ãò 7.8% ‡ãŠãè Ôãã½ã㶾ã Ìãðãä® ÀÖãèý ‡ãñŠ¶³ãè¾ã Ôããâã䌾ã‡ãŠãè¾ã ÔãâÔ©ãã (Ôããè†Ôã‚ããñ) ‡ãñŠ ‚ã¶ãì½ãããä¶ã¦ã Øã¥ã¶ãã ‡ãñŠ ‚ã¶ãìÔããÀ 2009-10 ½ãò 0.4% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ªãñ ÌãÓãà ‡ãñŠ ‚㶦ãÀãÊã ½ãò Ôãã½ã㶾㠽ãã¶ãÔãî¶ã ¶ãñ ‡ãðŠãäÓã ½ãò 6.6% Ìãðãä® ‡ãŠãèý Ôãâ¹ãªã àãñ¨ã ½ãò „¦¹ã㪶㠇ãŠãè £ããè½ããè Øããä¦ããäÌããä£ã ‡ãŠã ‚ãâªã•ãã ‚ã¹ãƦ¾ãàã ‡ãŠÀ ‡ãñŠ ½ãÖ¦Ìã¹ãî¥ãà Ìãðãä® Ôãñ ÊãØãã¾ãã •ãã Ôã‡ãŠ¦ãã Öõý 2010-11 ½ãò „ÞÞã Ìãðãä® ‡ãŠã ‡ãŠãÀ¥ã ‡ãñŠÌãÊã ÜãÀñÊãî ½ããâØã Öãè ¶ãÖãé ÀÖãè ºããäʇ㊠„Ôããè ¦ãÀÖ ½ã•ãºãî¦ã ºããÖÀãè ½ããâØã ¼ããè Ôã½ãã¶ã㶦ãÀ ÞãÊã¦ããè ÀÖãèý 2010-11 ½ãò ¼ããÀ¦ããè¾ã ãä¶ã¾ããæã 37.6% ºãü¤ãý ‚ã¹ãÆõÊã 2010 ¦ã©ãã ½ããÞãà 2011 ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã ‚ã©ãÃ̾ãÌãÔ©ãã ½ãò ÔãîÞã‡ãŠãâ‡ãŠ ‡ãŠãè Ìãðãä® ¼ããè ¹ãƪãäÍãæã ÖìƒÃý 2010-11 ‡ãñŠ ªãõÀã¶ã †¹ãŠ‚ããƒÃ‚ããƒÃ†Ô㠂㶦ãÌããÃÖ ÊãØã¼ãØã ¾ãî†Ôã ¡ãùÊãÀ 20 ãäºããäÊã¾ã¶ã ÀÖãý

„ÞÞã Ìãðãä® ‡ãñŠ Ôãã©ã 2010-11 ‡ãñŠ ¹ãƽãìŒã ¼ããØã ½ãò ‚ã©ãÃ̾ãÌãÔ©ãã „ÞÞã Ô¦ãÀãè¾ã ½ãì³ããäÔ¹ãŠãä¦ã ‡ãŠãè ØãÌããÖ ÀÖãèý ½ãì³ããäÔ¹ãŠãä¦ã Àãñ‡ãŠ¶ãñ ‡ãñŠ ãäÊㆠ½ããÞãà 2010 ‡ãñŠ ‚ããÀâ¼ã Ôãñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ¶ãñ 8 ºããÀ ¹ããùãäÊãÔããè ªÀ ½ãò Ìãðãä® ‡ãŠãèý ¾ã²ããä¹ã „£ããÀ ªÀ

¹ããùãäÊãÔããè ªÀ ‡ãñŠ ‚ã¶ãìÔããÀ ÀÖãý ºãö‡ãŠãò ¶ãñ 2010-11 ½ãò ‚ã¹ã¶ãñ ¨ãɥ㠹ããñ›Ã¹ãŠãñãäÊã¾ããñ ½ãò Ôã½ãìãäÞã¦ã ¹ã Ôãñ „ÞÞã Ìãðãä® ª•ãà ‡ãŠãè ¦ã©ãã ‚ã©ãÃ̾ãÌãÔ©ãã ÔãÍã§ãŠ ½ããâØã ¹ãƼããÌã ¹ãƪã¶ã ‡ãŠãèý ºãöãä‡ãâŠØã ¹ãÆ¥ããÊããè ‡ãñŠ ãäÊㆠ‚ããäØãƽ㠽ãò 21.4% ‡ãŠãè Ìãðãä® ÖìƒÃ •ããñ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã 20% ÌãããäÓãÇ㊠Êãà¾ã Ìãðãä® Ôãñ ‚ããä£ã‡ãŠ Öõý ¾ã²ããä¹ã •ã½ããÀããäÍã Ìãðãä® ½ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÃÌãà ºãö‡ãŠ ‡ãñŠ 2010-11 Öñ¦ãì 18% Êãà¾ã ½ãò ãäØãÀãÌã› ‚ããƒÃ ¦ã©ãã ‡ãñŠÌãÊã 15.8% ‡ãŠãè Ìãðãä® ãäÀ‡ãŠã¡Ã ‡ãŠãèý ¹ãÆãä¦ãÀãñ£ã㦽ã‡ãŠ ¶ã‡ãŠªãè ‡ãŠ½ããè ‡ãŠãè Ìã•ãÖ Ôãñ ‡ãŠ½ã •ã½ããÀããäÍã Ìãðãä® ‡ãŠãñ ãäÌãÔ¦ãããäÀ¦ã ‚ãÌããä£ã ‡ãñŠ ¾ããñØãªã¶ã Öñ¦ãì ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ Ôãã©ã ‚ã¹ãñãäàã¦ã 3 •ããè Àã•ãÔÌã ¶ããèÊãã½ããè ÀããäÍã Ôãñ ÔãÀ‡ãŠãÀ ‡ãŠãè ¹ãããä‡ãÄŠØã ‚ããä£ã‡ãŠ ÀÖãèý

Ìãðãä®ÍããèÊã ‰ã ¦ã©ãã „¹ã¾ããñØããè ÌãÔ¦ãì ‡ãŠãè ‡ãŠãè½ã¦ãò ½ãì³ããäÔ¹ãŠãä¦ã ¹ãÀ ½ããâØã ªºããÌã ÔããäÖ¦ã ÔãâÊãضã Öãñ ØãƒÃ ãä•ãÔãñ ãä¹ãœÊãñ ‡ã슜 ½ãÖãè¶ããò ½ãò ¹ãã¾ãã Øã¾ãã ¦ã©ãã ‚ã©ãÃ̾ãÌãÔ©ãã ‡ãŠã ãäÌã§ããè¾ã ÌãÓãà 2011-12 ½ãò ¹ãÆÌãñÍã ‡ãŠÀ¶ãñ ‡ãñŠ ¹ãƽãìŒã ¹ããùãäÊãÔããè Þãì¶ããõ¦ããè ‡ãñŠ ½ãì³ããäÔ¹ãŠãä¦ã ¹ãƺãâ£ã¶ã ‡ãñŠ ¹㠽ãò ¹ãÆÔ¦ãì¦ã ãä‡ãŠ¾ãã Øã¾ããý ½ããõã䳇㊠¶ããèãä¦ã „¹ãã¾ããò ¦ã©ãã ‚ãã£ããÀ ¹㠹ã¼ããÌã Ôãñ ‚ã¹ãñãäàã¦ã Öõ ãä‡ãŠ ½ãì³ããäÔ¹ãŠãä¦ã Ô¦ãÀ ‡ãŠãñ ¶ããèÞãñ Êãã¾ãã •ãㆠãä•ãÔãÔãñ ãä½ã¡ãè¾ã½ã ›½ãà ½ãò „ÞÞã Ìãðãä® Øããä¦ã ºãÀ‡ãŠÀãÀ ÀÖñý ÔãÍã§ãŠ Êããè¡, ãäÌããä¶ã½ããå㠦ã©ãã ÔãñÌãã‚ããò ‡ãñŠ ãäÊㆠÔãâ‡ãñŠ¦ã‡ãŠ Öõ, Ôãã½ã㶾㠽ãã¶ãÔãî¶ã ‡ãŠãè ‚ã¹ãñàãã Öõ, ªîÀªÍããê ½ãñ‰ãŠãñƒ‡ãŠãñ¶ããù½ããè ¹ãƺãâ£ã¶ã Ôããä֦㠾ãìؽ㠺ããÛã àãñ¨ã ½ãò ÊãÞããèÊãã¹ã¶ã ÌãÓãà 2011-12 ‡ãŠãñ ‡ãŠã¾ãà ‡ãŠÀ¶ãñ Öñ¦ãì †‡ãŠ „••ÌãÊã ãäÌã§ããè¾ã ÌãÓãà ‡ãñŠ ¹㠽ãò ¹ãÆÔ¦ãì¦ã ‡ãŠÀ ÀÖã Öõý

2010-11 ‡ãñŠ ªãõÀã¶ã, ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ 5 ÊããŒã ‡ãŠÀãñü¡ ‡ãŠã Ôããä½ãÑã ‡ãŠãÀãñºããÀ ‡ãñŠ ½ããèÊã ‡ãñŠ ¹ã¦©ãÀ ‡ãŠãñ ¹ããÀ ‡ãŠÀ ãäÊã¾ãã Öõý ºãö‡ãŠ ‡ãñŠ ÌãõãäÍÌã‡ãŠ ‡ãŠãÀãñºããÀ ¶ãñ 28.41% ‡ãŠãè Ìãðãä® ª•ãà ‡ãŠÀ¦ãñ Öì† ` 5,14,040 ‡ãŠÀãñü¡ ‡ãñŠ Ô¦ãÀ ¹ãÀ ¹ãÖìúÞã Øã¾ãã Öõý 31 ½ããÞãà 2011 ‡ãŠãñ ÔÌãªñÍããè ‡ãŠãÀãñºããÀ ` 4,18,110 ‡ãŠÀãñü¡ ¹ãÀ ¹ãÖìúÞã Øã¾ãã ‚ããõÀ ƒÔã½ãò 26.02% ‡ãŠãè ÌãããäÓãÇ㊠Ìãðãä® ªñŒã¶ãñ ‡ãŠãñ ãä½ãÊããèý Ôã½ãì³¹ããÀãè¾ã ‡ãŠãÀãñºããÀ 39.87% ¦ã‡ãŠ ºãü¤‡ãŠÀ ` 96,930 ‡ãŠÀãñü¡ ¦ã‡ãŠ ¹ãÖìúÞã Øã¾ãã Öõý ‡ãŠã䟶㠶ã‡ãŠªãè ‡ãñŠ ÌãÓãà ½ãò ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ •ã½ããÀããäÍã ÔãâØãÆ֥㠽ãò ‚ãÞœãè ¹ãÆØããä¦ã ªÍããÃà Öõý ºãöãä‡ãâŠØã ¹ãÆ¥ããÊããè ‡ãñŠ 15.9% ‡ãŠãè Ìãðãä® ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãŠãè •ã½ããÀããäÍã Ìãðãä® 26.9% ÀÖãèý ƒÔãÔãñ •ã½ããÀããäÍã ‡ãñŠ ºãã•ããÀ ãäÖÔÔãñªãÀãè 4.18% Ôãñ ºãü¤‡ãŠÀ 4.58% ÖìƒÃý ‚ããäØãƽã àãñ¨ã ½ãò ¼ããè, ºãöãä‡ãâŠØã ãäÔãÔ›½ã ¶ãñ 21.5% ‡ãŠãè Ìãðãä® ª•ãà ‡ãŠãè •ãºããä‡ãŠ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ½ãò ¾ãÖ Ìãðãä® 22.9% ÀÖãèý 2010 ½ãò 4.03% ‡ãŠãè ¦ãìÊã¶ãã ½ãò 2011 ½ãò ‚ããäØãƽ㠽ãò ãäÖÔÔãñªãÀãè ºãü¤‡ãŠÀ 4.07% ÖìƒÃý ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ‡ãŠãè ¦ãìÊã¶ãã ½ãò ` 61,843 ‡ãŠÀãñü¡ ‡ãŠãè ¦ãìÊã¶ãã ½ãò 31 ½ããÞãà 2011 ¦ã‡ãŠ ‡ãŠãÔãã •ã½ããÀããäÍã ºãü¤‡ãŠÀ ` 73,139 ‡ãŠÀãñü¡ ÀÖãèý ºãö‡ãŠ ‡ãŠã ØãÆãև㊠‚ãã£ããÀ ºãü¤‡ãŠÀ 45.05 ãä½ããäÊã¾ã¶ã Öì‚ãã (ÌãÓãà ‡ãñŠ ªãõÀã¶ã 8.08 ãä½ããäÊã¾ã¶ã ØãÆãև㊠•ããñü¡ñ)ý

¦ã©ãããä¹ã ÔãñÌããÀ¦ã ¦ã©ãã ÔãñÌãããä¶ãÌãð§ã ‡ãŠ½ãÃÞãããäÀ¾ããò Öñ¦ãì ‚ããä£ãÌãããäÓãÇãŠãè Ôãâºãâãä£ã¦ã ¼ãìØã¦ãã¶ããò ‡ãñŠ ãäÊㆠ¹ãÆ¥ããÊããè ´ãÀã ‚ããä£ãªñãäÍã¦ã „ÞÞã ¹ãÆãÌã£ãã¶ã, 2010-11 Öñ¦ãì ‡ãìŠÊã Êãã¼ã 42.94% ºãü¤‡ãŠÀ ` 2,489 ‡ãŠÀãñü¡ Öãñ Øã¾ããý ¾ãÖ „ÞÞã Êãã¼ã ºãü¤¦ãñ '†¶ã‚ããƒÃ†½ã' ¦ã©ãã †¶ã¹ããè† ‡ãñŠ ãäØãÀãÌã› ‡ãŠãè Ìã•ãÖ Ôãñ ÀÖãý ÜãÀñÊãî ¹ããäÀÞããÊã¶ããò Öñ¦ãì †¶ã‚ããƒÃ†½ã ãäÌã§ããè¾ã ÌãÓãà 2011 ½ãò ºãü¤‡ãŠÀ 3.31% Öãñ Øã¾ãã •ããñãä‡ãŠ 2010 ½ãò 2.92% ©ããý ÌãõãäÍÌã‡ãŠ Ô¦ãÀ ¹ãÀ ãäÌã§ããè¾ã ÌãÓãà 2010 †¶ã‚ããƒÃ†½ã 2.51% ©ãã •ããñ ãäÌã§ããè¾ã ÌãÓãà 2011

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ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

½ãò ºãü¤‡ãŠÀ 2.92% Öãñ Øã¾ããý ºãö‡ãŠ ‡ãŠã Ôã‡ãŠÊã †¶ã¹ããè† ªÀ 31 ½ããÞãÃ, 2010 ‡ãñŠ 2.85% ‡ãŠãè ¦ãìÊã¶ãã ½ãò 31 ½ããÞãÃ, 2011 ½ãò Ôãì£ãÀ‡ãŠÀ 2.23% ÀÖã ¦ã©ãã Íãì® †¶ã¹ããè† ªÀ ½ããÞãÃ, 2010 ‡ãñŠ 1.31% Ôãñ Ôãì£ãÀ‡ãŠÀ ½ããÞãÃ, 2011 ½ãò 0.91% ÀÖãý ÌãÓãà 2010-11 ½ãò ¶ã ‡ãñŠÌãÊã †¶ã¹ããè† Ô¦ãÀ ¶ããèÞãñ ‚ãã¾ãã ºããäʇ㊠ºãö‡ãŠ ¶ãñ ¹ãÆãÌã£ãã¶ã ‡ãŠÌãÀñ•ã ªÀ ½ãò ½ãÖ¦Ìã¹ãî¥ãà Ôãì£ããÀ ãä‡ãŠ¾ããý ¹ãÆãÌã£ãã¶ã ‡ãŠÌãÀñ•ã ªÀ ½ãò 31 ½ããÞãÃ, 2010 ‡ãñŠ 65.51% Ôãñ 31 ½ããÞãÃ, 2011 ¦ã‡ãŠ 72.18% ‡ãŠã ÒÓ¾ã㦽ã‡ãŠ Ôãì£ããÀ Öì‚ããý ‡ãŠ½ãÃÞããÀãè Øãì¥ãÌã§ãã ‡ãñŠ ½ãã¹ã¶ã ‚ã¶ãìÔããÀ, ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè ‡ãŠãÀãñºããÀ ¦ã©ãã ¹ãƦ¾ãñ‡ãŠ ‡ãŠ½ãÃÞããÀãè Ôã‡ãŠÊã Êãã¼ã ½ãò ¼ããè ÌãÓãà 2011 ½ãò ½ãÖ¦Ìã¹ãî¥ãà Ôãì£ããÀ ªñŒãã Øã¾ããý ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ ` 1,011 ÊããŒã Ôãñ 31 ½ããÞãÃ, 2011 ¦ã‡ãŠ ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè ‡ãŠãÀãñºããÀ ` 1,284 ÊããŒã ÀÖã, Ôã‡ãŠÊã Êãã¼ã ¹ãÆãä¦ã ‡ãŠ½ãÃÞããÀãè ¹ãîÌãà ÌãÓãà ‡ãñŠ ` 11.86 ÊããŒã Ôãñ 31 ½ããÞãÃ, 2011 ¦ã‡ãŠ ` 17.89 ÊããŒã ºãü¤ãý

½ãì¢ãñ ‚ãã¹ã‡ãŠãñ ºã¦ãã¦ãñ Öì† ÖÓãà Öãñ ÀÖã Öõ ãä‡ãŠ ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ‡ãñŠ ãä¶ãªñÍã‡ãŠ ½ãâ¡Êã ¶ãñ ƒÔã ÌãÓãà 70% Êãã¼ããâÍã ‡ãŠãè ÜããñÓã¥ãã ‡ãŠãè Öõý

‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ªãèÜãÇãŠããäÊã‡ãŠ Ìãðãä® Öñ¦ãì ‡ãŠƒÃ ½ãÖ¦Ìã¹ãî¥ãà àãñ¨ããò ‚ã©ããæã ØãÆãև㊠‚ãã£ããÀ ½ãò Ìãðãä®, Ôãã½ãããä•ã‡ãŠ ãä•ã½½ãñªãÀãè ½ããñÞãó ¹ãÀ ÔãñÌãã†â ªñ¶ãñ ½ãò, ‚ãâ¦ãÀãÃÓ›Èãè¾ã ¹ãÖÞãã¶ã ‡ãŠã ãäÌãÔ¦ããÀ •ãõÔããè ‡ãŠƒÃ ½ãÖ¦Ìã¹ãî¥ãà ¹ãÖÊãò ‡ãŠãè Ööý ‡ã슜 ¹ãÖÊããò ‡ãŠãñ ½ãö ºã¦ãã¶ãã ÞããÖîâØãã -

ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã ¹ãÆãÀâ¼ã ¹ãÖÊãò:

l ¦ÌããäÀ¦ã ãä¶ã¥ãþã Ôãìãä¶ããäÍÞã¦ã ‡ãŠÀ¶ãñ ¦ã©ãã ºããû•ããÀ ½ãò ºãö‡ãŠ ‡ãŠãñ ¼ããè ¹ãÆãä¦ã¾ããñØããè £ããÀ „¹ãÊ㺣㠇ãŠÀã¶ãñ Öñ¦ãì ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ãñ ‡ãŠãÀãñºããÀ ¹ãÆãä‰ãŠ¾ãã ÔãâÀÞã¶ãã ‡ãŠã ¹ãì¶ãØã߶ã ãä‡ãŠ¾ãã Öõý ¹ãì¶ãØã߶㠇ãñŠ ¹ããäÀ¥ãã½ãÔÌã¹㠺ãö‡ãŠ ‡ãñŠ Ôãâ¹ãî¥ãà ‡ãŠãÀãñºããÀ ‡ãŠãñ ªãñ Ô©ãîÊã Ôã½ãîÖ ½ãò ÌãØããê‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý '©ãããñ‡ãŠ Ìã ‚ãâ¦ãÀãÃÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÊã' ¦ã©ãã ¶ãñÍã¶ãÊã ºãöãä‡ãâŠØã Ôã½ãîÖý ºãð֦㠇ãŠãÀá¹ããñÀñ›, ½ã£¾ã ‡ãŠãÀá¹ããñÀñ›, †ÔㆽãƒÃ, ŒãìªÀã ‚ããõÀ ØãÆã½ããè¥ã Öñ¦ãì ¹ãð©ã‡ãŠ Ìããä›Ã‡ãŠÊÔã ¦ãõ¾ããÀ ãä‡ãŠ† Øã†ý ƒ¶ã Ìããä›Ã‡ãŠÊÔã ‡ãŠãè ̾ãÌãÔãããä¾ã‡ãŠ Ìãðãä® †Ìãâ ÔãìãäÌã£ãã Öñ¦ãì ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã 12 †ÔㆽãƒÃ ÍãÖÀãè ‡ãòŠ³, 5 ŒãìªÀã ‡ãŠãÀãñºããÀ ‡ãòŠ³ ¦ã©ãã 15 ØãÆã½ããè¥ã ¨ãɥ㠹ãÆÔãâÔ‡ãŠÀ¥ã ֺ㠌ããñÊãñý ¾ãÖ Ôã½ãԦ㠹ãÆÔãâÔ‡ãŠÀ¥ã ‡ãòŠ³ Ö½ããÀñ ›¶ãÆÀã„â¡ Ôã½ã¾ã ‡ãŠãñ ‡ãŠ½ã ‡ãŠÀ¶ãñ ½ãò ÔãÖã¾ã¦ãã ‡ãŠÀòØãñ ¦ã©ãã Ö½ããÀñ ¹ããäÀÞããÊã¶ããò ‡ãŠãñ ºãü¤ã†âØãñý Ìã¦ãýãã¶ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¼ããè †ñÔãñ ãäÌããäÍãÓ› ‡ãòŠ³ãò ‡ãŠãñ Ô©ãããä¹ã¦ã ‡ãŠÀ¶ãñ ‡ãŠãè ¾ããñ•ã¶ãã Öõý

l ºãö‡ãŠ ¶ãñ ¹ããäÀ¾ããñ•ã¶ãã ãäÌã§ã †Ìãâ ãäÔãâã䡇ãñŠÍã¶ã Øããä¦ããäÌããä£ã ‡ãŠãñ ¹ãì¶ã: Ôããä‰ãŠ¾ã ‡ãŠÀ¦ãñ Öì† ÌãÓãà 2011 ½ãò ¹ãì¶ã: ÊããØãî ãä‡ãŠ¾ããý ãäÌã§ããè¾ã Ôã½ãã¹ã¶ã ` 27,000 ‡ãŠÀãñü¡ ‡ãŠãè ¹ããäÀ¾ããñ•ã¶ãã ÊããØã¦ã †Ìãâ ` 9,000 ‡ãŠÀãñü¡ ‡ãŠãè ãäÔããä¡â‡ãñŠÍã¶ã ¨ãÉ¥ã Ôãñ ãä‡ãŠ¾ãã Øã¾ããý

l ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã 283 ¶ãƒÃ ÍããŒãã†â ŒããñÊããé ãä•ãÔãÔãñ ÜãÀñÊãî ÍããŒãã ¶ãñ›Ìã‡ãÊ 3490 Öì‚ããý ƒÔããè ¹ãƇãŠãÀ, 2010-11 ½ãò 605 ¶ã† †›ã膽ã Ô©ãããä¹ã¦ã ãä‡ãŠ† ØㆠÖö ãä•ãÔãÔãñ ½ããÞãÃ, 2010 ‡ãñŠ 820 Ôãñ †›ã膽㠇ãŠãè ‡ãìŠÊã Ôã⌾ãã ‚ãºã 1425 Öãñ ØãƒÃ Öõý

l ‚ãã¹ã‡ãŠã ºãö‡ãŠ Ôãã½ãããä•ã‡ãŠ „§ãÀªããä¾ã¦Ìã ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ½ãò ‚ãØãÆ¥ããè ÀÖã Öõý ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ 18 ÊããŒã ¶ããñ-ãä¹ãÆŠÊã Œãã¦ãñ ŒããñÊãñ ãä•ãÔã‡ãŠãè Ôã⌾ãã 50 ÊããŒã Œãã¦ããò ¦ã‡ãŠ ¹ãÖìâÞã ØãƒÃ Öõý ºãö‡ãŠ ¶ãñ 100% ãäÌã§ããè¾ã Ôã½ããÌãñÍã¶ã ¹ãîÀã ‡ãŠÀ ãäÊã¾ãã

Öõý ºãö‡ãŠ ¶ãñ 41 ¡Ôãñ›ãè Ô©ãããä¹ã¦ã ãä‡ãŠ† Ööý ¡Ôãñ›ãè ¶ãñ 14645 ÊããñØããò ‡ãŠãñ ¹ãÆãäÍãàã¥ã „¹ãÊ㺣㠇ãŠÀÌãã¾ãã Öõý

l ‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ½ãã¶ãÌã Íããä‡ã‹¦ã ‚ããÌã;ã‡ãŠ¦ãã ‚ããõÀ „¼ãÀ¦ããè ‡ãŠãõÍãÊã ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãŠãñ ¹ãÖÞãã¶ã¦ãñ Öì† ‚ããä¦ããäÀ‡ã‹¦ã 2896 Ô›ã¹ãŠ ÔãªÔ¾ããò ‡ãŠãè ¼ã¦ããê ‡ãŠãè ¦ã©ãã 22644 Ìã¦ãýãã¶ã Ô›ã¹ãŠ ÔãªÔ¾ããò ‡ãŠãñ ¹ãÆãäÍãàã¥ã ã䪾ããý

l ‡ãŠãÀãñºããÀ ‡ãŠãñ ºãü¤ã¶ãñ ¦ã©ãã ØãÆãÖ‡ãŠãò ‡ãŠãè •ãÂÀ¦ããò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠºãö‡ãŠ ¶ãñ ‡ãŠƒÃ ¶ã† „¦¹ã㪠‚ããõÀ ¾ããñ•ã¶ãã†ú Íãì ‡ãŠãè, •ãõÔãñ:

o ºããè‚ããñ‚ããƒÃ ãä‡ãŠÔãã¶ã Ôãã©ããè - Ôããâ¢ãñ ºãâ›ãƒÃªãÀ †Ìãâ ‡ãŠãͦã‡ãŠãÀ ‡ãðŠÓã‡ãŠãò ‡ãñŠ Êãã¼ã Öñ¦ãì Êããäàã¦ã

o "•ã¾ã •ãÌãã¶ã" ÔãõÊãÀãè ¹ÊãÔã ¾ããñ•ã¶ãã - Ààãã ‡ãŠããä½ãÇãŠãò Öñ¦ãì Ìãñ¦ã¶ã Ôãñ •ãìü¡ãè ¨ãɥ㠾ããñ•ã¶ãã

o Ô›ãÀ ÔãìÀàãã †Ôãºããè ¹ÊãÔã - ªìÜãÛ¶ãã Ôãñ ½ãð¦¾ãì ¹ãÀ ` 50,000/- ‡ãŠã ãä¶ã:Íãìʇ㊠ºããè½ãã ÔããäÖ¦ã Êãã¼ãý

o Ô›î¡ñ¥›áÔã †›ã膽ã ÔãÖ-¡ñãäºã› ‡ãŠã¡Ã- "ãäºãâØããñ" ‡ãŠã ½ã쌾㠄Πñ;㠾ãìÌãã‚ããò ‡ãŠãè ŒãÀãèªãÀãè Ôãâºãâ£ããè •ãÂÀ¦ããò ‡ãŠãñ ¹ãîÀã ‡ãŠÀ¶ãñ ¦ã©ãã †›ã膽㠇ãñŠ ½ã㣾ã½ã Ôãñ ¶ã‡ãŠª ‚ããÖÀ¥ã ‡ãŠãè ÔãìãäÌã£ãã „¹ãÊ㺣㠇ãŠÀã¶ãã Öõý

‚ãã¹ã‡ãñŠ ºãö‡ãŠ ¶ãñ ãäÌã§ããè¾ã ÌãÓãà 2010-11 ½ãò ‚ã¹ã¶ãñ ãäÌããäÌã£ã ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶ã Öñ¦ãì ‡ãŠƒÃ ¹ãìÀÔ‡ãŠãÀ ¹ãÆ㹦ã ãä‡ãŠ† Ööý ƒ¶ã½ãò Ôãñ ‡ã슜 Öõ :

l ƒ‡ãŠãù¶ãããä½ã‡ãŠ ›ãƒ½ãÔã ¦ã©ãã ¶ããèÊãÔãñ¶ã ‡ã⊹ã¶ããè ‡ãñŠ 2010 ‡ãñŠ ÔãÌãó ½ãò ÔãÌããÃãä£ã‡ãŠ ãäÌãÍÌãÔã¶ããè¾ã ºãÆ㥡ãò ‡ãŠãè Ñãñ¥ããè ½ãò ã䮦ããè¾ã ¦ã©ãã ›ãù¹ã ÔããäÌãÃÔã ºãÆ㥡 ½ãò ‚ããŸÌããâ Ô©ãã¶ãý

l ªÊããÊã Ô›Èãè› ´ãÀã †¹ãŠƒÃ-ƒÃÌãã¾ã ½ããñÔ› †ãä¹ãŠãäÔㆶ› ¹ããäºÊã‡ãŠ Ôãñ‡ã‹›À ºãö‡ãŠ ‚ãÌãã¡Ã 2010 ý

l ÑãñÓŸ ‡ãŠãÀãñºããÀ Ôã½ã©ãæãã ¹ãÖÊã Ñãñ¥ããè ½ãò ‚ããƒÃºããè† Ôãñ ‚ãâ¦ãÀãÃÓ›Èãè¾ã ºãöãä‡ãâŠØã ¹ãÆãõ²ããñãäØã‡ãŠ ¹ãìÀÔ‡ãŠãÀ 2010 ‡ãŠã ãäÌã•ãñ¦ãã ¹ãìÀÔ‡ãŠãÀý

l ‡ãñŠÌããè‚ããƒÃÔããè „£ããÀ ‡ãñŠ ‚ãâ¦ãØãæ㠹ãã膽ãƒÃ•ããè¹ããè ‡ãñŠ ãäÊㆠÑãñÓŸ ºãö‡ãŠ, ¹ããäÍÞã½ã ‚ãâÞãÊã ‡ãñŠ ãäÊㆠ‚ãØãÔ¦ã 2010 ½ãò ÀãÓ›Èãè¾ã ¹ãìÀÔ‡ãŠãÀý

ºãö‡ãŠ ½ãò ¶ã† ÔãâØ㟶ã㦽ã‡ãŠ ÔãâÀÞã¶ãã ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã Ôãñ ÌãÓãà 2010-11 ÔãÖãè ¦ããõÀ ¹ãÀ '›¶ãÆÀㄶ¡ ‡ãŠã ÌãÓãÃ' ÀÖãý ‡ãŠãÀãñºããÀ Ôã½ãîÖ ¦ã©ãã Ìããä›Ã‡ãŠÊÔã ‡ãŠãè ÔãâÀÞã¶ãã Ôãñ ãäÌããä¼ã¸ã ‡ãŠãÀãñºããÀ Ôã½ãîÖ ¹ãÀ ãäÌãÍãñÓã £¾ãã¶ã ‡ãñŠ¶³ãè¦ã ãä‡ãŠ¾ãã •ãã ÀÖã Öõý ÔãñÌãã „¶½ãìŒã „²ããñØã ½ãò ½ãã¶ãÌã Íããä‡ã‹¦ã ‡ãñŠ ½ãÖ¦Ìã ‡ãŠãñ ¹ãÖÞãã¶ã¦ãñ Öì† ºãö‡ãŠ ¶ãñ ºãü¡ãè Ôã⌾ãã ½ãò Ô›ã¹ãŠ ‡ãŠãè ¼ã¦ããê ‡ãŠãè Öõ ¦ã©ãã ¹ãÆãäÍãàã¥ã ã䪾ãã Öõý

ØãÆãև㊠‡ãŠãè ¹ãÆãã书㠂ããõÀ ¶ã¾ãñ „¦¹ã㪠†Ìãâ ÔãñÌãã†â ¹ãÆãÀâ¼ã ‡ãŠÀ¶ãñ Ôãñ ¹ãÆãñ¦ÔããÖ¶ã ãä½ãÊãã Öõý ƒ¶Öñ ‚ãã¶ãñ ÌããÊãñ ÌãÓããô ½ãò •ããÀãè ÀŒãã •ãã†Øãã ‚ããõÀ ºãö‡ãŠ ‡ãŠãñ ƒÔã‡ãŠã Êãã¼ã ãä½ãÊãñØããý

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

3

ºãö‡ãŠ ãä¶ãÀâ¦ãÀ ãäÌã‡ãŠãÔã ‡ãñŠ ãäÊㆠ‚ããõÀ ‚ã¹ã¶ãñ ºãã•ããÀ Íãñ¾ãÀ ½ãò Ôãì£ããÀ ‡ãñŠ ãäÊㆠÔãìÒü¤ ãäÔ©ããä¦ã ½ãò Öõý

ÌãÓãà 2011-12 ‡ãñŠ ªãõÀã¶ã ‚ããØãñ ºãü¤¦ãñ Öì†, ¶ãƒÃ ÍããŒãã†â ŒããñÊã¶ãñ ‚ããõÀ ‚ããä¦ããäÀ‡ã‹¦ã †›ã膽ã Ô©ãããä¹ã¦ã ‡ãŠÀ¦ãñ Öì† ºãö‡ãŠ ‡ãŠãè, ØãÆãÖ‡ãŠãò ½ãò ¹ãÖìúÞã ºãü¤ñØããèý ‚ãã¹ã‡ãŠã ºãö‡ãŠ ÌãÓãà 2011-12 ‡ãñŠ ªãõÀã¶ã ‡ãðŠãäÓã, †ÔㆽãƒÃ ‚ããõÀ ½ã£¾ã ‡ãŠãÀ¹ããñÀñ› ‡ãŠãÀãñºããÀ ºãü¤ã¶ãñ ¹ãÀ £¾ãã¶ã ‡ãñŠã䶳¦ã ‡ãŠÀñØããý Ôã½ããÌãñÍããè¾ã ¹ãÆØããä¦ã ‡ãŠãñ ½ãÖ¦Ìã ãä½ãÊã¦ãã ÀÖñØããý ‚ãâ¦ãÀãÃÓ›Èãè¾ã àãñ¨ã ½ãò, ¶¾ãîü•ããèÊãò¡, ¾ãìØããâ¡ã, ‡ãŠ¶ãã¡ã ‚ããõÀ ºããñ›áÔÌãã¶ãã ‡ãñŠ ¹㠽ãò ÞããÀ ¶ã† ‡ãñŠ¶³ •ãìü¡òØãñý

Ö½ããÀñ ºãö‡ãŠ ‡ãŠãñ ãä¶ãªñÍã‡ãŠ ºããñ¡Ã, ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ¦ã©ãã ¼ããÀ¦ã ÔãÀ‡ãŠãÀ Ôãñ ‚㦾ãì§ã½ã Ôã½ã©ãö㠂ããõÀ ºãÖì½ãîʾ㠽ããØãêÍãöã ãä½ãÊã¦ãã ÀÖã Öõý Ö½ããÀñ ØãÆãÖ‡ãŠãò, Íãñ¾ãÀ£ããÀ‡ãŠãò ¶ãñ ֽ㠹ãÀ ¹ãîÀãè ‚ããÔ©ãã ÀŒããè Öõý ¾ãÖ ¹ããäÀ¥ãã½ã ‚ããõÀ ãäÌã‡ãŠãÔã Ö½ããÀñ

¹ãÆãä¦ãºã® Ô›ã¹ãŠ ÔãªÔ¾ããò ‡ãñŠ ‚ã©ã‡ãŠ ½ãñÖ¶ã¦ã ‡ãñŠ ãäºã¶ãã Ôãâ¼ãÌã ¶ãÖãé ©ããý ½ãö, ºãö‡ãŠ ‡ãŠãè ‚ããñÀ Ôãñ, ¦ã©ãã ‚ã¹ã¶ããè ‚ããñÀ Ôãñ Ôã¼ããè ¹ã¥ã£ããÀ‡ãŠãò ‡ãŠãñ £ã¶¾ãÌã㪠ªñ¦ãã Öîú ‚ããõÀ ¼ããäÌãӾ㠽ãò ‚ãã¹ãÔãñ ãä¶ãÀâ¦ãÀ ¹ãÆÑã¾ã ‚ããõÀ Ôã½ã©ãö㠇ãŠãè ‚ããÍãã ÀŒã¦ãã Öîú ý

Íãì¼ã‡ãŠã½ã¶ãã‚ããò ÔããäÖ¦ã,

(‚ããÊããñ‡ãŠ ãä½ãÑãã)

ã䪶ããâ‡ãŠ: 6 •ãî¶ã, 2011

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ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

ãä¶ãªñÍã‡ãŠ ãäÀ¹ããñ›Ã

31 ½ããÞãÃ, 2011 ‡ãŠãñ Ôã½ã㹦ã ÌãÓãà ‡ãñŠ ãäÊㆠãä¶ãªñÍã‡ãŠ ½ã¥¡Êã, ‚ãâ‡ãñŠãäàã¦ã ÊãñŒãã ãäÌãÌãÀ¥ã ‚ããõÀ ¶ã‡ãŠªãè ¹ãÆÌããÖ ãäÌãÌãÀ¥ã Ôããä֦㠺ãö‡ãŠ ‡ãŠãè ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã, ÔãÖÓãà ¹ãÆÔ¦ãì¦ã ‡ãŠÀ¦ãñ Ööý

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l ¹ããäÀÞããÊã¶ãØã¦ã Êãã¼ã ` 5,384 ‡ãŠÀãñü¡ý

l Íãì® Êãã¼ã ` 2,489 ‡ãŠÀãñü¡ý ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ¦ãìÊã¶ãã ½ãò 42.94% ‡ãŠãè Ìãðãä® ª•ãà ÖìƒÃý

l ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã ãä¹ãœÊãñ ÌãÓãà (ºããÔãÊã II ‡ãñŠ ‚ãâ¦ãØãæã) ‡ãñŠ 12.94% ‡ãŠãè ¦ãìÊã¶ãã ½ãò 12.17% ÀÖãý

l ãä¶ãÌãÊã ½ãããäÊã¾ã¦ã ` 15,500 ‡ãŠÀãñü¡ý ½ããÞãà 2010 ‡ãŠãè ¦ãìÊã¶ãã ½ãò 24.43% ‡ãŠãè Ìãðãä® ÖìƒÃý

l ¹ãÆãä¦ã Íãñ¾ãÀ ºãÖãè ½ãîʾã ` 283.24 (ãä¹ãœÊãñ ÌãÓãà ` 236.84)

l 31.03.2011 ‡ãŠãñ Ôã‡ãŠÊã ‚ã¶ã•ãÇ㊠‚ãããäԦ㠂ã¶ãì¹ãã¦ã 2.23%

l 31.03.2011 ãä¶ãÌãÊã ‚ã¶ã•ãÇ㊠‚ãããäԦ㠂ã¶ãì¹ãã¦ã 0.91%

l ºãö‡ãŠ ‡ãŠã ‡ãìŠÊã ‡ãŠãÀãñºããÀ (•ã½ãã + ‚ããäØãƽã) ` 5,15,040 ‡ãŠÀãñü¡ ¹ãÀ •ãã ¹ãÖìâÞãã, ƒÔã ¹ãƇãŠãÀ ƒÔã½ãò ` 1,13,961 ‡ãŠÀãñü¡ (28.41%) ‡ãŠãè Ìãðãä® ª•ãà ÖìƒÃý ªñÍããè ‡ãŠãÀãñºããÀ ½ãò 26.02% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãÖ ` 418110 ‡ãŠÀãñü¡ ‡ãñŠ Ô¦ãÀ ¹ãÀ ¹ãÖìâÞã Øã¾ããý

l ºãö‡ãŠ ‡ãŠãè ‡ãìŠÊã •ã½ãã ÀããäÍã¾ããùâ ` 69,124 ‡ãŠãè Ìãðãä® ‡ãñŠ Ôãã©ã ` 2,98,886 ‡ãŠÀãñü¡ ‡ãñŠ Ô¦ãÀ ¹ãÀ ¹ãÖìâÞã ØãƒÃ ‚ã©ããæãá 30.08% ‡ãŠãè Ìãðãä® ÖìƒÃý ÔÌãªñÍããè •ã½ããÀããäÍã¾ããò ½ãò 28.68% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãñ ` 2,52,963 ‡ãŠÀãñü¡ ¦ã‡ãŠ ¹ãÖìúÞã ØãƒÃý ÔÌãªñÍããè •ã½ãã‚ããò ½ãò ‡ãŠ½ã ÊããØã¦ã ÌããÊããè •ã½ãã‚ããò ‡ãŠã ãäÖÔÔãã 31.03.2011 ‡ãŠãñ 29.18% Öõý

l ºãö‡ãŠ ‡ãŠã ‡ãìŠÊã Ôã‡ãŠÊã ¨ãÉ¥ã 26.17% Ìãðãä® ª•ãà ‡ãŠÀ¦ãñ Öì† ` 2,16,154 ‡ãŠÀãñü¡ ¦ã‡ãŠ ¹ãÖìâÞã Øã¾ãã, ãä•ãÔã½ãò ÔÌãªñÍããè ¨ãɥ㠽ãò 22.16% ‡ãŠãè Ìãðãä® ª•ãà ‡ãŠãè ØãƒÃ ‚ããõÀ ¾ãÖ ` 1,65,147 ‡ãŠÀãñü¡ ‡ãñŠ Ô¦ãÀ ¹ãÀ ¹ãÖìâÞã Øã¾ããý

l Íãì® Ôã½ãã¾ããñãä•ã¦ã ºãö‡ãŠ ¨ãɥ㠇ãŠã 46.27% ¼ããØã ¹ãÆã©ããä½ã‡ãŠ¦ãã àãñ̈ ã „£ããÀ ‡ãŠã ÀÖã ‚ããõÀ Íãì® Ôã½ãã¾ããñãä•ã¦ã ºãö‡ãŠ ¨ãɥ㠽ãò ‡ãðŠãäÓã ¨ãɥ㠇ãŠã ãäÖÔÔãã 16.76% ÀÖãý

l †ÔㆽãƒÃ àãñ¨ã ‡ãŠã ¨ãÉ¥ã ` 29,568 ‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ ` 35,586 ‡ãŠÀãñü¡ Öãñ Øã¾ãã, ãä•ãÔã½ãò 20.35% ‡ãŠãè Ìãðãä® ª•ãà ‡ãŠãèý

l ŒãìªÀã ¨ãɥ㠽ãò 5.70% ‡ãŠãè Ìãðãä® ÖìƒÃ, •ããñ ` 15,750 ‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ ` 16,649 ‡ãŠÀãñü¡ Öãñ Øã¾ããý

l ãä¹ãœÊãñ ÌãÓãà ‡ãŠãè ¦ãìÊã¶ãã ½ãò ãä¶ã¾ããæ㠨ãɥ㠽ãò ` 898 ‡ãŠÀãñü¡ ‚ã©ããæã 13.53% Ìãðãä® ª•ãà ÖìƒÃý

¶ã¾ãñ „¦¹ã㪠†Ìãâ ÔãñÌãã†â

l ãäÌãªñÍããè ‡ãñŠ¶³ãò ¹ãÀ †¶ã‚ããÀƒÃ/†¶ã‚ããÀ‚ããñ Œãã¦ãñ ŒããñÊã¶ãñ ‡ãñŠ ãäÊㆠ†¶ã‚ããÀƒÃ ØãÆãÖ‡ãŠãò ‡ãñŠ ãäÊㆠÌãñÊã‡ãŠ½ã ãä‡ãŠ› ‡ãŠãè Íãì‚ãã¦ãý

l ºãÞã¦ã ºãö‡ãŠ Œãã¦ããò ½ãò º¾ãã•ã ‡ãŠã ¹ããäÀ‡ãŠÊã¶ã 1 ‚ã¹ãÆõÊã, 2010 Ôãñ ½ãããäÔã‡ãŠ „¦¹ã㪠Ôãñ ªõãä¶ã‡ãŠ „¦¹ã㪠‚ãã£ããÀ ½ãò ¹ããäÀÌããä¦ãæã ãä‡ãŠ¾ãã Øã¾ãã Öõý

l ºãö‡ãŠ ¶ãñ ‚ã¹ã¶ããè ÌãñºãÔãホ àãñ¨ããè¾ã ¼ããÓãã ½ãÀãŸãè ½ãò Íãì ‡ãŠãè Öõý

l ãäÌã§ã ½ãâ¨ããÊã¾ã ‡ãñŠ ãäªÍãããä¶ãªóÍã ¦ã©ãã ãäÔã¹ãŠããäÀÍããò ‡ãñŠ ‚ã¶ãìÔããÀ ºãö‡ãŠ ‡ãŠãè ‡ãŠã¹ããóÀñ› ÌãñºãÔãホ (‚ãâØãÆñ•ããè) ãäÌã‡ãŠÊããâØã ̾ããä§ãŠ¾ããò ‡ãñŠ ¾ããñؾ㠺ã¶ããƒÃ ØãƒÃ Öõý

l ºãö‡ãŠ ¶ãñ ºãÞã¦ã ºãö‡ãŠ ¹ããÔã ºãì‡ãŠ (ÖãñãäÀ•ãò›Êã ¹ãŠã½ãó›) ‡ãŠã ¶ã¾ãã ¹ãŠã½ãó› ¹ãÆãÀâ¼ã ãä‡ãŠ¾ãã Öõ, •ããñ Ìã¦ãýãã¶ã ¹ãŠã½ãó› (Ìããä›Ã‡ãŠÊã ¹ãŠã½ãó›) •ãÖãùâ ªãñ ¹ãðÓŸãò ¹ãÀ ãäÌãÌãÀ¥ã ½ãìã䳦ã Öãñ¦ãñ Öö, „Ôã‡ãŠãè ¦ãìÊã¶ãã ½ãò „Ôããè ¹ãðÓŸ ¹ãÀ Êãñ¶ã-ªñ¶ã ‡ãñŠ ãäÌãÌãÀ¥ã ½ãìã䳦㠇ãŠÀñØããý

l ¼ããÀ¦ããè¾ã ºãöãä‡ãâŠØã ‡ãŠãñ¡ †Ìãâ ½ãã¶ã‡ãŠ ºããñ¡Ã (ºããèÔããè†Ôãºããè‚ããƒÃ) ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã¶ãìÔããÀ ºãö‡ãŠ ¹ããÔã ºãì‡ãŠ †Ìãâ Œãã¦ããò ‡ãñŠ ãäÌãÌãÀ¥ã ¹ãÀ Öñʹã ÊããƒÃ¶ã ¶ãâºãÀ ½ãìã䳦㠇ãŠÀñØããý

l ºãö‡ãŠ ¶ãñ ¶ãã½ãñ ÔãÖ-†›ã膽㠇ãŠã¡Ã ‡ãñŠ ãäÊㆠƒ¶Ô›ã-ãä¹ã¶ã •ããÀãè ‡ãŠÀ¶ãã ¹ãÆãÀâ¼ã ãä‡ãŠ¾ãã Öõý ƒÔãÔãñ ØãÆãև㊠‡ãŠãè ãäÀ-ãä¹ã¶ã ¹ãÆ㹦㠶ã Öãñ¶ãñ ‡ãŠãè ãäÍã‡ãŠã¾ã¦ãò ªîÀ ÖãòØããè ‚ããõÀ Ôãã©ã Öãè ãäÀ-ãä¹ã¶ã Ôãðãä•ã¦ã ‡ãŠÀ¶ãñ ‚ããõÀ ½ãñÊã ¼ãñ•ã¶ãñ ‡ãñŠ ¹ãƾããÔã ‚ããõÀ ŒãÞãà ½ãò ºãÞã¦ã ÖãñØããèý

l ¡ã¾ã½ãâ¡ ØãÆãÖ‡ãŠãò ‡ãŠãñ Œãã¦ãñ ‡ãŠã ãä¦ã½ããÖãè Ôã½ãñãä‡ãŠ¦ã ãäÌãÌãÀ¥ã ¹ããè¡ã膹㊠¹ãŠã½ãó› ½ãò ƒÃ ½ãñÊã ‡ãñŠ ½ã㣾ã½ã Ôãñ ¼ãñ•ãã •ãã¦ãã Öõý

l £ããñŒãã£ãü¡ãè ãä¶ãÌããÀ¥ã ‡ãñŠ „¹ãã¾ã ‡ãñŠ ¹㠽ãò †Ôㆽã†Ôã ‚ãÊã›Ã - Ô›ãÀ ÔãâªñÍã Ôãðãä•ã¦ã ãä‡ãŠ¾ãã •ãã¦ãã Öõ ‚ããõÀ Ôã¼ããè ØãÆãÖ‡ãŠãò ‡ãŠãñ ãä•ã¶Öãò¶ãñ Ôã¼ããè ãä¡ÊããèÌãÀãè

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

5

Þãõ¶ãÊã Ôãñ (ƒâ›À¶ãñ› ºãöãä‡ãâŠØã/†›ã膽ã/¹ããè‚ããñ†Ôã) Ôã¼ããè ¶ãã½ãñ Êãñ¶ã-ªñ¶ã, ` 25,000/- ‚ããõÀ „ÔãÔãñ ‚ããä£ã‡ãŠ ‡ãñŠ Ôã¼ããè ¶ãã½ãñ Ôã½ããÍããñ£ã¶ã Êãñ¶ã-ªñ¶ã, ØãÆãև㊠¹ãÆÌãð§ã Ôã¼ããè ¶ãã½ãñ ‚ãâ¦ãÀ¥ã †Ìãâ ` 10,000/- ‚ããõÀ „ÔãÔãñ ‚ããä£ã‡ãŠ ‡ãñŠ ¶ã‡ãŠª ¼ãìØã¦ãã¶ã, ` 10,000/- ‚ããõÀ „ÔãÔãñ ‚ããä£ã‡ãŠ ‡ãñŠ Ôã¼ããè ¶ãã½ãñ ƒÃÔããè†Ôã Êãñ¶ã-ªñ¶ã, Ôã¼ããè ¶ãã½ãñ ‚ããÀ›ãè•ããè†Ôã Êãñ¶ã-ªñ¶ã ‚ããõÀ Þãñ‡ãŠ ºãì‡ãŠ •ããÀãè ‡ãŠÀ¶ãñ ‡ãñŠ ãä¶ãÌãñª¶ã ÔÌããè‡ãŠãÀ ‡ãŠÀ¶ãñ ¹ãÀ ¹ããÌã¦ããè ‡ãñŠ ãäÊㆠºãö‡ãŠ ‡ãñŠ ¹ããÔã ½ããñºããƒÊ㠶㽺ãÀ Àãä•ãÔ›¡Ã ‡ãŠÀã¾ãñ Ööý

l ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ØãÆãÖ‡ãŠãò ‡ãŠãñ ‚ããù¶ã ÊããƒÃ¶ã ½ããè¾ããªãè •ã½ãã ‡ãŠÀ¶ãñ ‡ãŠãè ÔãìãäÌã£ããý

l ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ¹ããÔãÌã¡Ã ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¶ãñ ÌããÊããò ‡ãñŠ ãäÊㆠÖãù› ãäÊããäÔ›âØã/ãäÀÔãñ›/‚ã¶ãÊããù‡ãŠ/¶ãã½ãñ ÔãÖ †›ã膽㠇ãŠã¡Ã ãä¹ã¶ã ºãªÊã¶ãñ ‡ãŠãè ÔãìãäÌã£ããý

l ÌãããäÓãÇ㊠‡ãŠÀ ãäÌãÌãÀ¥ã ªñŒã¶ãã (¹ãŠã½ãà 26 † †Ôã)

l Ô›ãÀ ƒÃ ›Èñ¡ - ‚ããù¶ã ÊããƒÃ¶ã Íãñ¾ãÀ ›Èñãä¡âØã - Øã칦ãã ƒãä‡ã‹Ìã›ãè ‡ãñŠ Ôãã©ã †‡ãŠãè‡ãŠÀ¥ãý

l ºãö‡ãŠ ‡ãŠã ¶ãã½ãñ ÔãÖ-†›ã膽㠇ãŠã¡Ã ÀŒã¶ãñ ÌããÊãñ ØãÆãÖ‡ãŠãò ‡ãñŠ ãäÊㆠ‚ããù¶ã ÊããƒÃ¶ã ƒÃ-¼ãìØã¦ãã¶ã ‡ãŠãè ÔãìãäÌã£ãã ‡ãŠã ãäÌãÔ¦ããÀ ãä‡ãŠ¾ãã Øã¾ãã Öõý ƒÔãÔãñ ØãÆãև㊠‰ãñŠãä¡› ‡ãŠã¡Ã †Ìãâ ƒâ›À¶ãñ› ºãöãä‡ãâŠØã Œãã¦ããò ‡ãñŠ ‚ãÊããÌãã ‚ã¹ã¶ãñ ¡ñãäºã› ‡ãŠ½ã †›ã膽㠇ãŠã¡Ã ‡ãŠã ƒÃ ¼ãìØã¦ãã¶ã ‡ãñŠ ãäÊㆠ„¹ã¾ããñØã ‡ãŠÀ Ôã‡ãòŠØãñý

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 ‡ãŠãñ ãä‡ãŠÔããè ¼ããè Ôã½ã¾ã ‡ãŠÖãé Ôãñ ¼ããè ½ããñºããƒÊã ¹ãŠãñ¶ã ‡ãŠãè ÔãìãäÌã£ãã Ôãñ ºãöãä‡ãâŠØã Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ ÔÌããè‡ãŠãÀ ‡ãŠÀ¦ããè Öõý ¾ãÖ ÔãìãäÌã£ãã Ôã¼ããè ŒãìªÀã ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ØãÆãÖ‡ãŠãò ‡ãŠãñ ªãè ØãƒÃ Öõ ‚ããõÀ ƒÔã½ãò •ã½ãã ÍãñÓã ¹ãããœ, ‚ãâãä¦ã½ã ¹ããùâÞã Êãñ¶ã-ªñ¶ã, Þãñ‡ãŠ ‡ãŠãè ãäÔ©ããä¦ã, ãä¶ããä£ã ‚ãâ¦ãÀ¥ã †Ìãâ ½ããñºããƒÊã ¼ãìØã¦ãã¶ã •ãõÔããè ãäÌãÍãñÓã¦ãã†â Íãããä½ãÊã Ööý

l ºãö‡ãŠãò ‡ãñŠ ºããèÞã Ô›ãÀ ‡ãŠ¶ãñ‡ã‹› ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ÔãñÌãã‚ããò ‡ãñŠ ½ã㣾ã½ã Ôãñ ‚ããÀ›ãè•ããè†Ôã/†¶ãƒÃ†¹ãŠ›ãè ‡ãñŠ „¹ã¾ããñØã Ôãñ ‚ããù¶ã-ÊããƒÃ¶ã ãä¶ããä£ã ‚ãâ¦ãÀ¥ãý

l ‚ãã›ãñ ¹ãñ ‡ãñŠ ãäÊㆠºããè‚ããñ‚ããƒÃ Ô›ãÀ ƒÃ ¼ãìØã¦ãã¶ã ¾ãã ãäÌããä¼ã¸ã „¹ã¾ããñØããè ÔãñÌãã‚ããò/ãäºãÊããò ‡ãŠã ‚ããù¶ã-Êãヶ㠼ãìØã¦ãã¶ãý

l ¹ãƦ¾ãàã †Ìãâ ‚ã¹ãƦ¾ãàã, ‡ãñŠ¶³ãè¾ã „¦¹ã㪠†Ìãâ ÔãñÌãã ‡ãŠÀ ‡ãñŠ ãäÊㆠƒÃ ¼ãìØã¦ãã¶ãý

l Íãñ¾ãÀãò ½ãò ̾ãã¹ããÀ ‡ãñŠ ãäÊㆠԛãÀ ƒÃ-Íãñ¾ãÀ ̾ãã¹ããÀý

l ƒÃ-¼ããü¡ã ¼ãìØã¦ãã¶ãý

l ãäÌãªñÍããè ̾ãã¹ããÀ ÊããƒÔãòÔã ¹ãŠãèÔã ½ãÖããä¶ãªñÍã‡ãŠ (¡ãè•ãã膹㊛ãè) ‡ãŠã ‚ããù¶ã Êãヶ㠼ãìØã¦ãã¶ãý

l ÀñÊÌãñ †Ìãâ ÖÌããƒÃ •ãÖã•ã ‡ãŠãè ã䛇㊛ãò ‡ãŠãè ‚ããù¶ã ÊããƒÃ¶ã ºãìãä‡ãâŠØãý

l ãäÍãàãã ¨ãɥ㠇ãñŠ ãäÊㆠ‚ããù¶ã Êãヶ㠂ããÌãñª¶ãý

l ãä‡ãŠÔããè ¼ããè ¡ãè¹ããè‚ããñ ½ãò Œãã¦ãã ÀŒã¶ãñ ÌããÊãñ ŒãìªÀã ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ØãÆãև㊠´ãÀã ‚ããƒÃ¹ããè‚ããñ ãä¶ãØãýããò ‡ãñŠ ãäÊㆠ‚ãÌã® ‚ããÌãñª¶ã ‡ãŠãè ºããñÊããè ÔãÖ ‚ããÌãñª¶ã ¹ã¨ã (‚ããÔãºãã) ‚ããù¶ã Êãヶ㠇ãŠÀ¶ãñ ‡ãŠãè ÔãìãäÌã£ããý

‡ãŠãÀãñºããÀ ¹ãÖÊã

l ãäÌã‡ãŠãÔã ‡ãŠãè ½ãÖ¦Ìãã‡ãŠãâàãã ‡ãŠãñ £¾ãã¶ã ½ãò ÀŒã¦ãñ Öì† ºãö‡ãŠ ¶ãñ †‡ãŠ ¶ã¾ãã ½ãÖ¦Ìãã‡ãŠãâàããè Êãà¾ã Ôãâ‡ãŠÊ¹ã 10,000 ‚ããÀâ¼ã ãä‡ãŠ¾ãã Öõý ƒÔã‡ãñŠ ¦ããè¶ã ‚ãã£ããÀ Ԧ㽼ã Öõ ØãÆãև㊠¹ãÆ©ã½ã, ãäÌã•ãñ¦ãã ›ãè½ã ‡ãŠã ãä¶ã½ããå㠆Ìãâ ÑãñÓŸ ‡ãŠã¾ãà ãä¶ãÓ¹ã㪶㠹ãÆñÀ¥ãã ÔãâÔ‡ãðŠãä¦ãý

l Ôãâ‡ãŠÊ¹ã ¹ããäÀ¾ããñ•ã¶ãã ‡ãñŠ ‚ãâ¦ãØãæã ãäÔã¦ãâºãÀ 2010 ½ãò ºãö‡ãŠ ‡ãñŠ ÔãâØ㟶ã㦽ã‡ãŠ ÔãâÀÞã¶ãã ‡ãŠãè ¹ãì¶ã: ¹ãÀñŒãã ¦ãõ¾ããÀ ‡ãŠãè ØãƒÃ Öõý ¹ãƦ¾ãñ‡ãŠ ‡ãŠãÀãñºããÀ Œã¥¡ ¹ãÀ ‚ããõÀ £¾ãã¶ã ‡ãñŠã䶳¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠԹãÓ› ¹ã Ôãñ ‡ãŠãÀãñºããÀ ‡ãŠã ªãñ ‚ãÊãØã Ôã½ãîÖãò ½ãò ãäÌã¼ãã•ã¶ã ãä‡ãŠ¾ãã Øã¾ãã Öõ, •ãõÔãñ ãä‡ãŠ (‡ãŠ) ¶ãñÍã¶ãÊã ºãöãä‡ãâŠØã Ôã½ãîÖ ‚ããõÀ (Œã) ©ããñ‡ãŠ ‚ããõÀ ‚ãâ¦ãÀãÃÓ›Èãè¾ã ºãöãä‡ãâŠØã Ôã½ãîÖý ºãö‡ãŠ ‡ãñŠ ªãñ ‡ãŠã¾ãùããÊã‡ãŠ ãä¶ãªñÍã‡ãŠ ƒ¶ã ªãñ Ôã½ãîÖãò ‡ãñŠ ¹ãƽãìŒã Ööý

l ¶ãñÍã¶ãÊã ºãöãä‡ãâŠØã Ôã½ãîÖ (¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã) - ¶ãñÍã¶ãÊã ºãöãä‡ãâŠØã Ôã½ãîÖ (¹ãÆ£ãã¶ã ‡ãŠã¾ããÃÊã¾ã) ½ãò ØãÆã½ããè¥ã ºãöãä‡ãâŠØã, ãäÌã§ããè¾ã Ôã½ããÌãñÍã¶ã, ŒãìªÀã ºãöãä‡ãâŠØã ‚ããõÀ †ÔㆽãƒÃ ºãöãä‡ãâŠØã ‡ãŠãÀãñºããÀ ƒ‡ãŠãƒÃ ‡ãŠã Ôã½ããÌãñÍã Öõý

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l ½ã£¾ã ‡ãŠã¹ããóÀñ› ‚ããõÀ ºãð֦㠇ãŠã¹ããóÀñ› ÍããŒãã‚ããò ‡ãñŠ Ôã¼ããè Œãã¦ããò ‡ãŠãè Ôãâºãâãä£ã¦ã ÍããŒãã ‚ããÀ†Ôㆽ㠇ãñŠ Ôãã©ã ̾ãÌãÔ©ãã ‡ãŠãè ØãƒÃ Öõý

l ÔããñÊãÖ ØãÆã½ããè¥ã ¨ãɥ㠹ãÆÔãâÔ‡ãŠÀ¥ã ‡ãñŠ¶³ (Ôããè¹ããèÔããè) ºãñÊãØããùâÌã, „••ãõ¶ã ºããÀãºãâ‡ãŠãè, ½ãñÖÔãã¶ãã, Êãìãä£ã¾ãã¶ãã, ‡ãŠÀã¡, ‚ã½ãÊãã¹ãìÀ½ã, ¦ãâ•ããÌãìÀ, ºããÀãÔã¦ã, ÖÀªãñƒÃ, Ôãã¦ããÀã, ¶ããã䪾ããª, À¦¶ãããäØãÀãè, ¶ãããäÔã‡ãŠ, ÔããñÊãã¹ãìÀ ½ãò ‚ããÀâ¼ã ãä‡ãŠ† ØㆠÖöý

l ºãð֦㠂ããõÀ ½ã£¾ã½ã ãä‡ãŠÔãã¶ããò ¦ã©ãã „ÞÞã ¨ãÉ¥ã Øãì¥ãÌã§ãã ÌããÊããè ºãü¡ãè ÔãâÔ©ãã‚ããò ‡ãŠãñ Êãà¾ã ºã¶ãã‡ãŠÀ 19 ‚ãâÞãÊããò ½ãò ‡ãìŠÊã ãä½ãÊãã‡ãŠÀ 40 ‡ãñŠ¶³ãè¼ãî¦ã ãä•ãÊããò ‡ãŠãñ ‚ããä¼ããä¶ã£ããÃãäÀ¦ã ãä‡ãŠ¾ãã Øã¾ãã Öõý

l 5 ‚ããä¼ããä¶ã£ããÃãäÀ¦ã ‚ãâÞãÊããò ‚ã©ããæ㠺ãòØãÊããñÀ, Þ㥡ãèØãü¤, ½ãìâºãƒÃ ªãäàã¥ã, ¶ãƒÃ ãäªÊÊããè ‚ããõÀ ¹ãì¥ãñ ½ãò 14.01.2011 ‡ãŠãñ ¹ãã¾ãÊã› ‚ãã£ããÀ ¹ãÀ ¹ããùâÞã ¶ã¾ãñ ŒãìªÀã ‡ãŠãÀãñºããÀ ‡ãñŠ¶³ ŒããñÊãñ ØㆠÖöý

l 14 ãäªÔãâºãÀ, 2010 ‡ãŠãñ ‚ãÖ½ãªãºããª, ‡ãŠãñ¾ã½ºã§ãîÀ, ‡ãŠãñÊã‡ãŠã¦ãã, Êãìãä£ã¾ãã¶ãã ‚ããõÀ ¹ãì¥ãñ ½ãò ¹ããùâÞã †ÔㆽãƒÃ ãäÔã›ãè Ôãñ¶›À ŒããñÊãñ Øㆠ©ãñ, „Ôã‡ãñŠ ºã㪠Ôãñ ºãòØãÊããñÀ, Þ㥡ãèØãü¤, ÖõªÀãºããª, ¶ãƒÃ ãäªÊÊããè ‚ããõÀ Ìãü¡ãñªÀã ½ãò ¹ããùâÞã ‚ããõÀ †ÔㆽãƒÃ ãäÔã›ãè Ôãñ¶›Àãò ¶ãñ ‡ãŠã¾ãà ‡ãŠÀ¶ãã ¹ãÆãÀâ¼ã ãä‡ãŠ¾ãã Öõý

l †¶ããÇãìŠÊã½ã, ‚ãâ£ãñÀãè ‚ããõÀ Ôãã蹢㠽ãò ½ã£¾ã ‡ãŠã¹ããóÀñ› ÍããŒãã†â ŒããñÊããè ØãƒÃ Ööý

l 10 ½ã£¾ã ‡ãŠã¹ããóÀñ› Ôããè¹ããèÔããè ¶ãñ ‡ãŠã¾ãà ‡ãŠÀ¶ãã ‚ããÀâ¼ã ãä‡ãŠ¾ãã Öõý

l ½ãìâºãƒÃ (¶ãÀãè½ã¶ã ¹Ìããƒâ›) ‚ããõÀ ÖõªÀãºã㪠½ãò ºãðÖª ‡ãŠã¹ããóÀñ› ÍããŒãã†â ŒããñÊããè ØãƒÃ Ööý

l Ôã•ãö㠛Èõ‡ãŠ ‚ããõÀ ‚ãØãƦãã ‡ãŠãè ãä¶ãØãÀã¶ããè ‡ãñŠ ãäÊㆠ‚ãØãÆ¥ããè ¹ãƺãâ£ã¶ã ¹ãÆ¥ããÊããè (ãäºã‰ãŠãè ªÊã ÔÌãÞãÊã¶ã) ‡ãŠãñ ¹ãì¶ã: ¹ããäÀÌããä¦ãæã ãä‡ãŠ¾ãã Øã¾ãã Öõý

l ãäÌã§ããè¾ã Ôã½ããÌãñÍã¶ã ‡ãŠãñ ºãö‡ãŠ Ôãã½ãããä•ã‡ãŠ „Î ñ;㠇ãñŠ ¹㠽ãò ½ãã¶ã¦ãã Öõ ‚ããõÀ ƒÔãñ ‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ‚ããä¼ã¾ãã¶ã ‡ãñŠ ¹㠽ãò Ôã¼ããè ºãöãä‡ãâŠØã „¦¹ããªãò ‚ããõÀ ÔãñÌãã‚ããò ‡ãŠãñ „¶ã ¦ã‡ãŠ Êãñ •ãã ÀÖã Öõ, •ããñ ƒ¶ã ÔãñÌãã‚ããò Ôãñ ÌãâãäÞã¦ã Ööý ãäÌã§ããè¾ã Ôã½ããÌãñÍã¶ã ‡ãŠãè ¹ãÆãã书㠇ãñŠ ¹ãÆ©ã½ã ¹ãƾããÔããò ½ãò ‚ãºã ¦ã‡ãŠ ¶ããñ-ãä¹ãÆŠÊã Œãã¦ãñ ŒããñÊã¶ãã ©ãã ‚ããõÀ ¦ãª¶ãìÔããÀ ºãö‡ãŠ ¶ãñ 50.07 ÊããŒã ¶ããñ-ãä¹ãÆŠÊã Œãã¦ãñ ŒããñÊãñ Ööý

l ºãö‡ãŠ, Öö¡ ÖñÊ¡ ãä¡ÌããƒÔã ‡ãŠã „¹ã¾ããñØã ‡ãŠÀ¦ãñ Öì† Íãì Ôãñ Êãñ‡ãŠÀ ‚ãâãä¦ã½ã ‚ãã£ããÀ ¦ã‡ãŠ ÔãîÞã¶ãã ¹ãÆãõ²ããñãäØã‡ãŠãè Ôã½ãã£ãã¶ã ¼ããè ‡ãŠã¾ããÃãä¶Ìã¦ã ‡ãŠÀ ÀÖã Öõý ºãö‡ãŠ ¶ãñ 6.01 ÊããŒã Ô½ãã›Ã ‡ãŠã¡Ã •ããÀãè ãä‡ãŠ†/ŒããñÊãñ Ööý

l ¹ããäÀ¾ããñ•ã¶ãã ãäÌã§ã ‚ããõÀ Ôã½ãîÖ¶ã Ôã½ãîÖ : ¾ãÖ ¦ã‡ãŠ¶ããè‡ãŠãè ½ãîʾããâ‡ãŠ¶ã ‡ãñŠ Ôããö¹ãñ Øㆠ‡ãŠã¾ãÃ, Öã½ããèªãÀãè ‚ããõÀ ¨ãɥ㠇ãñŠ Ôã½ãîֶ㠇ãŠãè ãä•ã½½ãñªãÀãè Êãñ¦ãã Öõý ãäÌã§ããè¾ã ÌãÓãà ‡ãñŠ ªãõÀã¶ã ` 26,901 ‡ãŠÀãñ¡ ‡ãŠãè ¹ããäÀ¾ããñ•ã¶ãã ÊããØã¦ã ‚ããõÀ ` 9,008 ‡ãŠÀãñü¡ ‡ãñŠ Ôãã½ãìãäև㊠¨ãɥ㠇ãñŠ Ôãã©ã 11 ãäÌã§ããè¾ã Ôã½ãã¹ã¶ã ãä‡ãŠ† Øã†ý ‡ãõŠÊãò¡À ÌãÓãà 2010 ‡ãñŠ

6

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

ãäÊㆠºÊãî½ãºãØãà Êããè¡ ›ñºãÊã ‡ãñŠ ‚ã¶ãìÔããÀ ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã ¶ãñ Ôã½ãîֶ㠇ãñŠ ºããèÞã œŸÌããùâ Ô©ãã¶ã ¹ãÆ㹦ã ãä‡ãŠ¾ããý

l ºãö‡ãŠ ¶ãñ Œã¥¡ ‡ãŠãè ãäÌããäÍãÓ› ‡ãŠãÀãñºããÀ ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãŠã ¹ãƺãâ£ã¶ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¶ã¾ãñ †ÔㆽãƒÃ Ìããä›Ã‡ãŠÊã ãä¶ããä½ãæã ãä‡ãŠ† Öö, ãä•ãÔã‡ãñŠ ½ãÖã¹ãƺãâ£ã‡ãŠ ¹ãƽãìŒã Ööý ` 100 ‡ãŠÀãñü¡ ¦ã‡ãŠ ‡ãñŠ ›¶ãÂããñÌãÀ ‡ãñŠ Ôãã©ã Ôã¼ããè ‡ãŠãÀãñºããÀ Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ Íãããä½ãÊã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ†ÔㆽãƒÃ ‡ãŠãÀãñºããÀ ‡ãñŠ ãäÊㆠ‚ããõÀ ‚ããä£ã‡ãŠ Ôã½ããÌãñÍããè ¹ããäÀ¼ããÓãã ªãè ØãƒÃ Öõý ¾ãÖ Ìããä›Ã‡ãŠÊ㠶㠇ãñŠÌãÊã ¨ãÉ¥ã, ºããäʇ㊠‡ãŠãÔãã, ŒãìªÀã ‡ãŠãÀãñºããÀ, Íãìʇ㊠‚ãã£ãããäÀ¦ã ‚ãã¾ã ‚ããõÀ †ÔㆽãƒÃ Œã¥¡ ½ãò ¦ããèÔãÀñ ¹ãàã ‡ãñŠ „¦¹ããªãò ‡ãŠãè Ìãðãä® ‡ãŠãñ ¼ããè ªñŒãòØãñý

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 ¼ããè ½ããñºããƒÊã ¹ãŠãñ¶ã ‡ãŠãè ÔãìãäÌã£ãã Ôãñ ºãöãä‡ãâŠØã Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ ÔÌããè‡ãŠãÀ ‡ãŠÀ¦ããè Öõý ¾ãÖ ÔãìãäÌã£ãã Ôã¼ããè ŒãìªÀã ƒâ›À¶ãñ› ºãöãä‡ãâŠØã ØãÆãÖ‡ãŠãò ‡ãŠãñ ªãè ØãƒÃ Öõ ‚ããõÀ ƒÔã½ãò •ã½ãã ÍãñÓã ¹ãã㜠‚ãâãä¦ã½ã ¹ããùâÞã Êãñ¶ã-ªñ¶ã, Þãñ‡ãŠ ‡ãŠãè ãäÔ©ããä¦ã, ãä¶ããä£ã ‚ãâ¦ãÀ¥ã †Ìãâ ½ããñºããƒÊã ¼ãìØã¦ãã¶ã •ãõÔããè ãäÌãÍãñÓã¦ãã†â Íãããä½ãÊã Ööý

l †¶ã‚ããÀ‚ããƒÃ ØãÆãÖ‡ãŠãò Ôãñ Ôãâºãâãä£ã¦ã ‡ã슜 Øããä¦ããäÌããä£ã¾ããò ‡ãŠãñ ‡ãñŠ¶³ãè‡ãðŠ¦ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠÌãõãäÍÌã‡ãŠ £ã¶ã-¹ãÆñÓã¥ã ‡ãñŠ¶³ãò ‡ãŠãè Ô©ãã¹ã¶ãã ‡ãŠãè ØãƒÃ Öõ •ããñ ¾ã©ããÍããèÜãÆ „¦¹ããªãò ‡ãŠãè Ôãì¹ãìªÃØããè ‡ãŠÀòØãñ ‚ããõÀ Ôããä‰ãŠ¾ã ãäÌã¹ã¥ã¶ã ¾ããñ•ã¶ãã †Ìãâ ãäÍã‡ãŠã¾ã¦ã ãä¶ãÌããÀ¥ã ¦ãâ¨ã ‡ãŠã ‡ãŠã¾ãà ¼ããè ÍããèÜãÆ ‡ãŠÀ Ôã‡ãòŠØãñý

¹ãìÀÔ‡ãŠãÀ †Ìãâ ¹ãÆÍãâÔãã†â :

l ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã ‡ãŠãñ ÌãÓãà 2009 ‡ãñŠ ãäÊㆠºãöãä‡ãâŠØã ¹ãÆãõ²ããñãäØã‡ãŠãè ½ãò ‚ã¹ã¶ãñ ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠇ãŠãè ¹ãÖÞãã¶ã ‡ãŠãñ ÑãñÓŸ ‡ãŠãÀãñºããÀ ¾ããñؾ㠺ã¶ãã¶ãñ ‡ãŠãè ¹ãÖÊã ‡ãñŠ ÌãØãà ½ãò ‚ããƒÃºããè† Ôãñ ‚ãâ¦ãÀãÃÓ›Èãè¾ã ºãöãä‡ãâŠØã ›ñ‡ã‹¶ããÊããù•ããè ‚ãÌãã¡Ã 2010 ‡ãñŠ ãäÊㆠãäÌã•ãñ¦ãã ¹ãìÀÔ‡ãŠãÀ ¹ãÆ㹦ã Öì‚ããý

l ªÊããÊã Ô›Èãè› ´ãÀã †¹ãŠƒÃ-ƒÃÌãã¾ã ½ããñÔ› †ãä¹ãŠãäÔㆶ› ¹ããäºÊã‡ãŠ Ôãñ‡ã‹›À ºãö‡ãŠ ‚ãÌãã¡Ã 2010

l ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã, ½ãìâºãƒÃ „§ãÀ ‚ãâÞãÊã ‡ãŠãñ Àã•ã¼ããÓãã ãäÖâªãè ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã ½ãò ÑãñÓŸ ‡ãŠã¾ãÃãä¶ãÓ¹ã㪶㠇ãñŠ ãäÊㆠ¼ããÀ¦ã ÔãÀ‡ãŠãÀ, ØãðÖ ½ãâ¨ããÊã¾ã, Àã•ã¼ããÓãã ãäÌã¼ããØã Ôãñ ¦ãð¦ããè¾ã ¹ãìÀÔ‡ãŠãÀý

l ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã ‡ãŠãñ Àã•ã¼ããÓãã ãäÖâªãè ‡ãñŠ ‡ãŠã¾ããöÌã¾ã¶ã ½ãò ÑãñÓŸ ‡ãŠã¾ãà ãä¶ãÓ¹ã㪶㠇ãñŠ ãäÊㆠ½ãÖãÀãÓ›È À㕾ã Ô¦ãÀ ºãö‡ãŠÔãà Ôããä½ããä¦ã Ôãñ ¹ãÆãñ¦Ôããֶ㠹ãìÀÔ‡ãŠãÀý

l ‡ãñŠÌããè‚ããƒÃÔããè „£ããÀ ‡ãñŠ ‚ãâ¦ãØãæ㠹ãã膽ãƒÃ•ããè¹ããè ‡ãñŠ ãäÊㆠÑãñÓŸ ºãö‡ãŠ, ¹ããäÍÞã½ã ‚ãâÞãÊã ‡ãñŠ ãäÊㆠ‚ãØãÔ¦ã 2010 ½ãò ºãö‡ãŠ ‡ãŠãñ ÀãÓ›Èãè¾ã ¹ãìÀÔ‡ãŠãÀý

l ºãö‡ãŠ ‡ãŠãñ ƒ‡ãŠãù¶ããùãä½ã‡ãŠ ›ãƒ½Ôã/¶ããèÊãÔãñ¶ã ‡ã⊹ã¶ããè ‡ãñŠ ÔãÌãó ½ãò ãä¶ã½¶ãã¶ãìÔããÀ "ÔãÌããÃãä£ã‡ãŠ ãäÌãÍÌãÔã¶ããè¾ã ºãÆãùâ¡" (†½ã›ãèºããè) 2010 ‡ãñŠ ¹㠽ãò Ñãñ¥ããè‡ãðŠ¦ã ãä‡ãŠ¾ãã Øã¾ããý

l ¹ããè†Ôã¾ãî ºãöãä‡ãâŠØã ÌãØãà ‡ãñŠ ‚ãâ¦ãØãæã - †Ôãºããè‚ããƒÃ ‡ãñŠ ºã㪠2 Àã

l ÍããèÓãà ÔãñÌãã ºãÆãùâ¡ ‡ãñŠ ‚ãâ¦ãØãæã - 8 Ìããâ

ãäÌã§ããè¾ã Ôã½ããèàãã

ãäÌã§ããè¾ã ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶ã

ºãö‡ãŠ ¶ãñ ` 5384.23 ‡ãŠÀãñü¡ ‡ãŠã ¹ããäÀÞããÊã¶ã Êãã¼ã ª•ãà ãä‡ãŠ¾ãã (ãä¹ãœÊãñ ÌãÓãÃ` 14.44%) ‡ãŠãè Ìãðãä® ãä¶ãÌãÊã Êãã¼ã ` 2488.71 ‡ãŠÀãñü¡ ÀÖãý (ãä¹ãœÊãñ ÌãÓãÃ` 42.94% ‡ãŠÀãñü¡)ý

ãä½ãÑã ‡ãŠãÀãñºããÀ ½ãò 28.41% (` 401078.83 ‡ãŠÀãñü¡ Ôãñ ` 515040.06 ‡ãŠÀãñü¡) ‡ãñŠ ÔãìÒü¤ ‡ãŠãÀãñºããÀ Ìãðãä® ‡ãñŠ ‡ãŠãÀ¥ã ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã ½ãò 35.70% ‡ãŠãè Ìãðãä® ÖìƒÃý ØãõÀ-º¾ãã•ã ‚ãã¾ã ½ãò 0.96% ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ 71.34% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ¹ããäÀÞããÊã¶ãØã¦ã 52.12% ̾ã¾ã ‡ãŠÌãÀ Öì‚ããý

ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ‡ãñŠ ãäÌã§ããè¾ã ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶㠇ãŠã ÔããÀãâÍã ãä¶ã½¶ããäÊããäŒã¦ã Öõ :

(ÀããäÍã ` ‡ãŠÀãñü¡ ½ãò)

ãäÌãÌãÀ¥ã 2009-10 2010-11 Ìãðãä® (%)ãä¶ãÌãÊã º¾ãã•ã ‚ãã¾ã 5,755.94 7,810.69 35.70ØãõÀ º¾ãã•ã ‚ãã¾ã 2,616.64 2,641.77 0.96¹ããäÀÞããÊã¶ã ̾ã¾ã 3,667.81 5,068.24 38.18¹ããäÀÞããÊã¶ã Êãã¼ã 4,704.77 5,384.23 14.44¹ãÆãÌã£ãã¶ã/‚ãã‡ãŠãäÔ½ã‡ãŠ¦ãã†â 2,963.70 2,895.52 -2.30ãä¶ãÌãÊã Êãã¼ã 1,741.07 2,488.71 42.94¹ãÆãä¦ã Íãñ¾ãÀ ‚ã•ãöã (`) 33.15 47.35 42.84¹ãÆãä¦ã Íãñ¾ãÀ ºãÖãè ½ãîʾã (`) 236.84 283.24 19.59‚ããõÔã¦ã ãä¶ãÌãÊã ½ãããäÊã¾ã¦ã ¹ãÀ ¹ãÆãä¦ãÊãã¼ã (%) 14.76 8.90 _

‚ããõÔã¦ã ‚ãããäÔ¦ã¾ããò ¹ãÀ ¹ãÆãä¦ãÊãã¼ã (%) 0.70 0.82 _

‡ã슜 ãäÌã§ããè¾ã ‚ã¶ãì¹ãã¦ã ¶ããèÞãñ ¹ãÆÔ¦ãì¦ã ãä‡ãŠ† ØㆠÖõ :(¹ãÆãä¦ãÍã¦ã) (%)

½ãã¶ãª¥¡ 2009-10 2010-11

‚ããäØãƽ㠹ãÀ ‚ãã¾ã 8.42 8.62

ãä¶ãÌãñÍã ¹ãÀ ‚ãã¾ã 7.46 7.59

ãä¶ããä£ã¾ããò ¹ãÀ ‚ãã¾ã 7.14 7.14

•ã½ãã ÀããäÍã¾ããò ‡ãŠãè ÊããØã¦ã 5.16 5.03

ãä¶ããä£ã¾ããò ‡ãŠãè ÊããØã¦ã 4.84 4.57

ãä¶ãÌãÊã º¾ãã•ã ½ãããä•ãöã 2.51 2.92

¹ããäÀÞããÊã¶ã ̾ã¾ããò ‡ãñŠ ¹ãÆãä¦ã ØãõÀ º¾ãã•ã ‚ãã¾ã 71.34 52.12

‚ããõÔã¦ã ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã ‡ãñŠ ¹ãÆãä¦ã ‚㶾㠂ãã¾ã 1.05 0.87

‚ããõÔã¦ã ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã ‡ãñŠ ¹ãÆãä¦ã ¹ããäÀÞããÊã¶ã ̾ã¾ã 1.47 1.66

‚ããõÔã¦ã ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã ‡ãñŠ ¹ãÆãä¦ã Ô›ã¹ãŠ ̾ã¾ã 0.92 1.14

‚ããõÔã¦ã ‡ãŠã¾ãÃÍããèÊã ãä¶ããä£ã ‡ãñŠ ¹ãÆãä¦ã ‚㶾㠹ããäÀÞããÊã¶ã ̾ã¾ã 0.55 0.52

‚ãããäԦ㠄¹ã¾ããñØã ‚ã¶ãì¹ãã¦ã 1.88 1.77

‡ãìŠÊã ‚ãã¾ã ‡ãñŠ ¹ãÆãä¦ã ØãõÀ º¾ãã•ã ‚ãã¾ã 12.77 10.83

ãä¶ãÌãÊã ‚ãã¾ã ‡ãñŠ ¹ãÆãä¦ã ØãõÀ º¾ãã•ã ‚ãã¾ã 31.25 25.27

‡ãìŠÊã ‚ãã¾ã ‡ãñŠ ¹ãÆãä¦ã ÊããØã¦ã 43.81 48.49

Œã¥¡ÌããÀ ‡ãŠã¾ãÃ-ãä¶ãÓ¹ã㪶ã

ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ` 5384.23 ‡ãŠÀãñ ü¡ ‡ãŠã ¹ããäÀÞããÊã¶ã Êãã¼ã ‚ããä•ãæã ãä‡ãŠ¾ãã Öõý ƒÔã½ãò ‡ãŠãñÓããØããÀ ‡ãŠã ¾ããñØãªã¶ã ` 371.38 ‡ãŠÀãñ ü¡ ‡ãŠã ÀÖã ‚ããõÀ ‚㶾㠺ãöãä‡ãâŠØã ¹ããäÀÞããÊã¶ã Ôãñ ` 5161.12 ‡ãŠÀãñ ü¡ ‡ãŠã Êãã¼ã ‚ããä•ãæã ãä‡ãŠ¾ããý ÌãÓãà 2010-11 ½ãò ‚ããäÌã¶ããñ•¾ã ̾ã¾ã, ‚ããäÌã¶ããñ•¾ã ‚ãã¾ã ‡ãŠãñ ‡ãŠ½ã ‡ãŠÀ ` 148.27 ‡ãŠÀãñ ü¡ ÀÖãý

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

7

Êãã¼ããâÍã

ÌãÓãà ‡ãñŠ ãäÊㆠ` 7 ¹ãÆãä¦ã Íãñ¾ãÀ (70%) ‡ãŠãè ªÀ Ôãñ Êãã¼ããâÍã ÜããñãäÓã¦ã ãä‡ãŠ¾ãã Øã¾ããý ‡ãìŠÊã Êãã¼ããâÍã ¼ãìØã¦ãã¶ã ‡ãŠãè ÀããäÍã ` 444.29 ‡ãŠÀãñü¡ Öõý (Êãã¼ããâÍã ãäÌã¦ãÀ¥ã ‡ãŠÀ ÔããäÖ¦ã)

¹ãîú•ããè

ãäÌã§ããè¾ã ÌãÓãà 2010-11 ½ãò ºãö‡ãŠ ‡ãŠãè ½ãããäÊã¾ã¦ã ` 12456 ‡ãŠÀãñü¡ Ôãñ ºãü¤‡ãŠÀ ` 15499.5 ‡ãŠÀãñü¡ ÖìƒÃý ÌãÓãà ‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãŠãñ ¹ãÆãä¦ã ` 10 ‡ãñŠ, ` 474.07 ¹ãÆãä¦ã Íãñ¾ãÀ ‡ãñŠ ½ãîʾ㠹ãÀ 2,13,04,870 ‡ãñŠ ƒãä‡ã‹Ìã›ãè Íãñ¾ãÀ ‚ããä£ã½ãã¶ããè ‚ãã£ããÀ ¹ãÀ •ããÀãè ãä‡ãŠ† Øã†, •ãõÔãã ãä‡ãŠ ¼ããÀ¦ããè¾ã ¹ãÆãä¦ã¼ãîãä¦ã ‚ããõÀ ãäÌããä¶ã¾ã½ã ºããñ¡Ã ‚ããä£ããä¶ã¾ã½ã, 2009 ‡ãñŠ ãäÌããä¶ã¾ã½ã 76(1) (¹ãîâ•ããè ãä¶ãØãý㠂ããõÀ ‚ããÌã;ã‡ãŠ¦ãã ¹ãƇ㊛ãè‡ãŠÀ¥ã) ‡ãñŠ ‚ã¶ãìÔããÀ ÖìƒÃ ‚ãÔãã£ããÀ¥ã ‚ãã½ã ºãõŸ‡ãŠ ½ãò Íãñ¾ãÀ£ããÀ‡ãŠãò ´ãÀã ‚ã¶ãì½ããñã䪦ã ãä‡ãŠ¾ãã Øã¾ããý ƒÔã Œãã¦ãñ ½ãò ºãö‡ãŠ ‡ãŠãñ ¹ãÆ㹦ã ÖìƒÃ ÀããäÍã ` 1010 ‡ãŠÀãñü¡ Öõý ¹ããäÀ¥ãã½ãÔÌãÁ¹ã ¼ããÀ¦ã ÔãÀ‡ãŠãÀ ‡ãŠãè Íãñ¾ãÀ£ãããäÀ¦ãã 64.67% Ôãñ 65.86% ¦ã‡ãŠ ºãü¤ ØãƒÃ Öõý

¹ãîú•ããè ¹ã¾ããù¦ã¦ãã

ºããÔãñÊã II ¹ãÆñŠ½ãÌã‡ãÊ ‡ãñŠ ‚ã¶ãìÔããÀ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‚ã¶ãì¹ãã¦ã 12.17% ÀÖã •ããñ ãä‡ãŠ ãä¶ã¾ãã½ã‡ãŠ ‚ããÌã;ã‡ãŠ¦ãã Ôãñ 10% „ÞÞã¦ãÀ ©ããý

¹ãîú•ããè ¹ã¾ããù¦ã¦ãã ‡ãñŠ ãäÌãÌãÀ¥ã ãä¶ã½¶ãã¶ãìÔããÀ ªÍããÆ ØㆠÖö :

(` ‡ãŠÀãñü¡ ½ãò)

ãäÌãÌãÀ¥ã 31.03.2010 31.03.2011(ºããÔãÊã II ‡ãñŠ ‚ãâ¦ãØãæã)

ÀããäÍã Ôããè‚ããÀ†‚ããÀ ÀããäÍã Ôããè‚ããÀ†‚ããÀ (%) (%)

ã䛾ãÀ I ¹ãîú•ããè 13,725 8.48 17,047 8.33

ã䛾ãÀ II ¹ãîú•ããè 7,218 4.46 7,867 3.84

‡ãìŠÊã ¹ãîú•ããè 20,943 12.94 24,914 12.17

•ããñãäŒã½ã ¼ãããäÀ¦ã ‚ãããäÔ¦ã¾ããùâ 1,61,857 _ 2,04,762 _

„£ããÀ

ºãö‡ãŠ ¶ãñ ¹ãÆãƒÌãñ› ¹ÊãñÔã½ãò› ‡ãñŠ •ããäÀ† ¹ãÀ¹ãñÞãì‚ãÊã †Ìãâ ãä½ãã䡾ã½ã ›½ãà ¶ããñ› (†½ã›ã膶ã) ‚ããõÀ ‚ããñÌãÀÔããè•ã „£ããÀ ‡ãñŠ •ããäÀ¾ãñ Øããõ¥ã ¨ãÉ¥ã Ôãðãä•ã¦ã ãä‡ãŠ¾ãã Öõý ÌãÓãà 2010-11‡ãñŠ ªãõÀã¶ã ºãö‡ãŠ ¶ãñ ‚ããƒÃ¹ããè¡ãè‚ããƒÃ ‡ãñŠ ƒÍ¾ãî ´ãÀã ` 300 ‡ãŠÀãñü¡ †Ìãâ ‚ã¹ãÀ ã䛾ãÀ-II ãäÊãŒã¦ã ´ãÀã ` 1000 ‡ãŠÀãñü¡ •ãì›ã† Ööý ºãö‡ãŠ ¶ãñ ` 450 ‡ãŠÀãñü¡ ‡ãñŠ Øããõ¥ã ã䛾ãÀ-II ºããù¶¡ ‡ãŠã ½ããñÞã¶ã ãä‡ãŠ¾ãã Ööý

8

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

Ôã½ãØãÆ ¹ããäÀÌãñÍã

ÌãõãäÍÌã‡ãŠ ‚ã©ãÃ̾ãÌãÔ©ãã ¹ããäÀÒ;ã

ÌãÓãà 2010, ãäÌãÍÌã ‚ã©ãà ̾ãÌãÔ©ãã ‡ãñŠ ãäÊㆠÌãÓãà 2009 ‡ãñŠ ¶ã‡ãŠãÀ㦽ã‡ãŠ 0.8% Ôãñ 5% ‡ãŠãè Ìãðãä® ‡ãñŠ „œãÊã ‡ãŠã Ôããàããè ÀÖã Öõý 2010 ½ãò „¸ã¦ã ‚ããõÀ „¼ãÀ¦ãñ ªãñ¶ããò ªñÍããò ½ãò ÔãâÌãðãä® Ôãâ‡ãŠ›-¹ãîÌãà ԦãÀ ¹ãÀ Êããõ› ‚ããƒÃý ÌãÓãà 2010 ½ãò ‚ã¼ãî¦ã¹ãîÌãà ½ããõã䳇㊠‚ããõÀ Àã•ã‡ãŠãñÓããè¾ã ¹ãÆãñ¦Ôããֶ㠶ãñ ¾ãî†Ôã ½ãò ÔãâÌãðãä® ‡ãŠãñ Ôãâ‡ãŠ› ¹ãîÌãà ԦãÀ ¦ã‡ãŠ ‚ããØãñ ºãü¤ã¶ãñ ½ãò ÔãÖã¾ã¦ãã ‡ãŠãèý 2010 ½ãò •ã½ãöããè ‚ããõÀ ¹ãÆŠãâÔã ‡ãŠãñ œãñü¡‡ãŠÀ ¾ãîÀãñ àãñ¨ã ½ãò ÔãâÌãðãä® £ããè½ããè ÀÖãèý „¼ãÀ¦ããè ÖìƒÃ ‚ããõÀ „¸ããä¦ãÍããèÊã ‚ã©ãà ̾ãÌãÔ©ãã‚ããò ½ãò ÌãÓãà 2009 ½ãò •ããñ ÔãâÌãðãä® 2008 ‡ãñŠ 6.1% Ôãñ Ü㛇ãŠÀ 2.6% Öãñ ØãƒÃ ©ããèý 2010 ½ãò ãä¹ãŠÀ Ôãñ 7.1% ‡ãŠãè Øããä¦ã ¹ãÆ㹦㠇ãŠÀ Êããèý 2010 ‡ãñŠ ½ã£¾ã ‡ãñŠ ªãõÀã¶ã ÌããõãäÍÌã‡ãŠ ãäÌã§ããè¾ã ºãã•ããÀ ‡ãŠãè ãäÔ©ããä¦ã¾ããò ½ãò Ôãì£ããÀ Öãñ¶ãã ¹ãÆãÀâ¼ã Öãñ Øã¾ãã Öõý ¹ãÀâ¦ãì àãñ¨ããè¾ã ¦ã©ãã ‚ããâÞããäÊã‡ãŠ ÔãâÌãñª¶ãÍããèÊã¦ãã ‚ã¼ããè ¼ããè ̾ã㹦ã Öõý ƒãä‡ã‹Ìã›ãè ºãã•ããÀ ½ã•ãºãî¦ã Öì‚ãã Öõ, ‚ããäÔ©ãÀ¦ãã Üã›ãè Öõý ¾ã²ããä¹ã, œãñ›ñ ¦ã©ãã ½ã¢ããñÊãñ ‚ãã‡ãŠãÀ ‡ãŠãè ‡ãŠã¹ããóÀñ› ¹ãŠ½ããô ‡ãñŠ ãäÊㆠÔãâÔ©ããØã¦ã „£ããÀ ½ãò Ôãì£ããÀ Öì‚ãã Öõ ‚ããõÀ •ããñãäŒã½ã ½ãããä•ãö㠽ã•ãºãî¦ã Öãñ¶ãã Íãì Öãñ ØãƒÃ Öõý ãä‡ã⊦ãì 2010 ‡ãñŠ ºã㪠‡ãñŠ ãäÖÔÔãñ ½ãò ¾ãîÀãñ àãñ¨ã ½ãò ãä¹ãŠÀ Ôãñ ÔãÀ‡ãŠãÀ ´ãÀã ØããÀâ›ãè‡ãðŠ¦ã ¨ãÉ¥ã Ôãâºãâ£ããè •ããñãäŒã½ã …¹ãÀ ‚ãㆠÖö ‚ããõÀ ¹ããäÀ¥ãã½ãÔÌã¹ã ÔãÀ‡ãŠãÀãè ¹ãÆãä¦ã¼ãîãä¦ã¾ããò ½ãò „ÞÞã¦ãÀ Êãã¼ã ãä½ãÊãã Öõý

2011-12 ½ãò ÌãõãäÍÌã‡ãŠ ‚ã©ãà ̾ãÌãÔ©ãã ‡ãŠãè Ôãâ¼ããÌã¶ãã

Œãã²ã, ¦ãñÊã ‚ããõÀ ÌãÔ¦ãì‚ããò ‡ãñŠ „ÞÞã ½ãîʾ㠕ããñ „¼ãÀ¦ãñ ªñÍããò ‡ãñŠ ãäÊㆠãäÞãâ¦ãã ‡ãŠã ãäÌãÓã¾ã ÀÖã Öõ, „Ôã½ãò ‚ããõÀ ãäÌãÔ¦ããÀ Öì‚ãã Öõ ‚ããõÀ ãä•ãÔã‡ãñŠ ‡ãŠãÀ¥ã ÔãÔ¦ããè ½ãì³ã ¶ããèãä¦ã ¹ãÀ ¹ãì¶ããäÌãÃÞããÀ ‡ãŠÀ¶ãã ¹ãü¡ ÀÖã Öõ, •ããñ ãäÌã‡ãŠãäÔã¦ã ªñÍããò ½ãò ¼ããè •ããÀãè Öõý ãäÌã‡ãŠãÔãÍããèÊã ‚ããõÀ ãäÌã‡ãŠãäÔã¦ã ªñÍããò ´ãÀã ‡ãŠãè ØãƒÃ ½ããõã䳇㊠‡ãŠã¾ãÃÌããÖãè ‡ãñŠ ºããÌã•ãîª 2011 ½ãò ÔãâÌãðãä® ‡ãŠãè Øããä¦ã ‚㶾㠹ãÆãä¦ãÌãã¦ã ¹ãÀ ¼ããè ãä¶ã¼ãÃÀ ÖãñØããèý Ôãâàãñ¹ã ½ãò •ãã¹ãã¶ã ‡ãñŠ ‡ãŠÖÀ ‡ãŠã ãäÌã‡ãŠãÔã Ôãâ¼ããÌã¶ãã ¹ãÀ ¶ã ‡ãñŠÌãÊã Üãã¦ã‡ãŠ ¹ãƼããÌã ¹ã¡ñØãã, ºããäʇ㊠2011 ½ãò ÌãõãäÍÌã‡ãŠ ‚ãã¹ãîãä¦ãà ‡ãŠü¡ãè ½ãò ‚ããØãã½ããè ãäÌãÜ㛶ã Ôãñ ‡ã슜 ½ãîÊãã£ããÀ ¹ãÆÔãâØã ªÔ¦ã‡ãŠ ªòØãñý ½ã£¾ã ¹ãîÌãà ½ãò Àã•ã¶ããèãä¦ã‡ãŠ ãäÔ©ããä¦ã ¹ããäÀÌã¦ãöããè¾ã ºã¶ããè ÀÖñØããè ‚ããõÀ Ôãã½ãããä•ã‡ãŠ ‚ãÍããã䶦㠇ãñŠ ‡ãŠãÀ¥ã ½ãÖ¦Ìã¹ãî¥ãà „¦¹ã㪇㊠‚ããù¹ãŠ ÊããƒÃ¶ã Öãñ •ãã¦ãñ Öö ¦ããñ ¦ãñÊã ‡ãŠãè ‡ãŠãè½ã¦ãò ‚ããõÀ ¼ããè ºãü¤ Ôã‡ãŠ¦ããè Ööý ƒÔã‡ãñŠ ‚ãÊããÌãã ¾ãîÀãñ¹ã ½ãò ÔãÀ‡ãŠãÀãè ¨ãÉ¥ã Ôãâ‡ãŠ› ºã¶ãã ÀÖ Ôã‡ãŠ¦ãã Öõý ¾ãÖ „½½ããèª ‡ãŠãè •ãã¦ããè Öõ ãä‡ãŠ ÌãõãäÍÌã‡ãŠ ‚ãããä©ãÇ㊠Ôãâ¼ããÌã¶ãã Ôã‡ãŠãÀ㦽ã‡ãŠ ºã¶ããè ÀÖñØããè ‚ããõÀ ÔãâÌãðãä® 2011 ½ãò £ããè½ããè ÀÖñØããè ãä‡ã⊦ãì „¸ã¦ã ‚ããõÀ „¼ãÀ¦ããè ‚ã©ãà ̾ãÌãÔ©ãã ªãñ¶ããò ½ãò ãäÔ©ãÀ ‚ããõÀ Ôãâ¼ãã̾ã Ìãðãä® ªÀ ‡ãñŠ ãä¶ã‡ãŠ› ÖãñØããèý 2011 ½ãò „¸ã¦ã ‚ããõÀ ÀãÓ›Èãò ‡ãñŠ „¼ãÀ¦ãñ Ôã½ãîÖ ªãñ¶ããò ½ãò Ìãðãä® ‡ãŠãè £ããè½ããè Øããä¦ã ‡ãñŠ Ôãã©ã ‚ã¶ãì½ãããä¶ã¦ã ÌãõãäÍÌã‡ãŠ ÔãâÌãðãä® 2010 ‡ãñŠ 4.4% ‡ãŠãè ¦ãìÊã¶ãã ½ãò £ããè½ããè ÀÖñØããèý

ÜãÀñÊãî ‚ã©ãà ̾ãÌãÔ©ãã ¹ããäÀÒ;ã

¼ããÀ¦ããè¾ã ‚ã©ãà ̾ãÌãÔ©ãã ‡ãŠãè ÔãâÌãðãä® 2008-09 ½ãò 6.8% ‚ããõÀ 2009-10 ½ãò 8% Ôãñ 2009-10 ‡ãñŠ ‚ã¹ã¶ãñ Ôãâ‡ãŠ› ¹ãîÌãà Ìãðãä® Ô¦ãÀ Ôãñ ºãü¤‡ãŠÀ 2010-11 ½ãò 8.6% Öãñ ØãƒÃý „Ôã Ôã½ã¾ã ÔãâÌãðãä® ‡ãŠã Ô¹ãÓ› ‚ãã£ããÀ ¼ããè ©ããý ÌãÓãà 2010-11 ½ãò ‡ãðŠãäÓã ãä•ãÔã¶ãñ 0.4% ‡ãŠãè ºãÖì¦ã Öãè ‡ãŠ½ã Ìãðãä® ªÍããÃà ©ããè 2010-11 ½ãò Ôãã½ã㶾㠽ãã¶ãÔãî¶ã ‡ãñŠ ‡ãŠãÀ¥ã 5.4% ‡ãñŠ Ô¦ãÀ ‡ãŠãñ ¹ãì¶ã: ¹ãÆ㹦㠇ãŠÀ ãäÊã¾ããý „²ããñØã ¶ãñ 2009-10 ‡ãñŠ 8%

‡ãŠãè ¦ãìÊã¶ãã ½ãò 2010-11 ½ãò 8.1% ‡ãŠãè ‚ã¹ã¶ããè Øããä¦ã ‡ãŠãñ •ããÀãè ÀŒããý ÔãñÌãã àãñ¨ã ‡ãŠãè ÔãâÌãðãä® 2009-10 ½ãò ªñŒãñ Øㆠ10.1% Ôãñ 2011 ½ãò Ôããè½ããâ¦ã ¹ã Ôãñ 9.6% ¦ã‡ãŠ Üã›ãè Öõý ƒÔã‡ãñŠ ‚ãÊããÌãã 2010-11 ½ãò ƒÔã „ÞÞã Ìãðãä® ‡ãŠãñ ¶ã ‡ãñŠÌãÊã ÜãÀñÊãî ½ããâØã Ôãñ ºããäʇ㊠Ôã½ãã¶ã ¹ã Ôãñ ½ã•ãºãî¦ã ºããÖÀãè ½ããâØã Ôãñ ¼ããè Ôã½ã©ãöã ãä½ãÊããý ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã ¼ããÀ¦ããè¾ã ãä¶ã¾ããæ㠽ãò 37.5% ‡ãŠãè Ìãðãä® ÖìƒÃý ÌãÓãà 2010-11 ½ãÖ¦Ìã¹ãî¥ãà Àã•ã‡ãŠãñÓããè¾ã Ôã½ãñ‡ãŠ¶ã ‡ãñŠ ãäÊㆠ„ÊÊãñŒã¶ããè¾ã ÀÖãý 2010-11 ½ãò ‡ãŠÀ ‚ããõÀ ØãõÀ ‡ãŠÀ Àã•ãÔÌã ªãñ¶ããò ½ãò ¹ãƼããÌãÍããÊããè Ìãðãä® ¶ãñ ºã•ã› ½ãò ã䪆 Øㆠ5.5% Àã•ã‡ãŠãñÓããè¾ã Üãã›ñ ‡ãŠãñ 5.1% ¦ã‡ãŠ ãä¶ã¾ãâãä¨ã¦ã ÀŒã¶ãñ ½ãò ÔãÀ‡ãŠãÀ ‡ãŠãè ÔãÖã¾ã¦ãã ‡ãŠãèý ¾ãÖ ÌãÓãà ½ãÖ¦Ìã¹ãî¥ãà ãäÌãªñÍããè ÔãâÔ©ããØã¦ã ãä¶ãÌãñÍã‡ãŠ ¹ãÆÌããÖ ‡ãŠã Ôããàããè ÀÖã ‚ããõÀ ‚ã©ãà ̾ãÌãÔ©ãã ½ãò ãäÌãªñÍããè ÔãâÔ©ããØã¦ã ãä¶ãÌãñÍã‡ãŠãò ‡ãŠãè ¾ãî†Ôã $ 23 ãäºããäÊã¾ã¶ã ½ãããäÊã¾ã¦ã •ãìü¡ãè ãäÌãªñÍããè ÔãâÔ©ããØã¦ã ãä¶ãÌãñÍã‡ãŠãò ‡ãñŠ ‚ããØã½ã¶ã Ôãñ ‚ã¹ãÆõÊã 2010 ‚ããõÀ ½ããÞãà 2011 ‡ãñŠ ªãõÀã¶ã ÔãòÔãñ‡ã‹Ôã 11% ºãü¤ãý ãä¶ãÌãñÍã‡ãŠãò ‡ãñŠ ºããèÞã ¼ããÀ¦ããè¾ã ºãöãä‡ãâŠØã àãñ¨ã ‡ãñŠ ¹ãÆãä¦ã Ôã‡ãŠãÀ㦽ã‡ãŠ ãäÌãÞããÀ ‡ãñŠ ‡ãŠãÀ¥ã ºãö‡ãñŠ‡ã‹Ôã ¶ãñ 24% ‡ãŠãè ‚ããõÀ ¼ããè …úÞããƒÃ ‡ãŠãñ œî‚ããý

„ÞÞã¦ãÀ ÔãâÌãðãä® ‡ãñŠ Ôãã©ã ‚ã©ãà ̾ãÌãÔ©ãã Ôãâ¹ãî¥ãà ÌãÓãà „ÞÞã Ô¦ãÀ ‡ãŠãè ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãè Ôããàããè ÀÖãèý ÌãÓãà 2010-11 ‡ãñŠ ‚ããä£ã‡ãŠãâÍã ¼ããØã ½ãò Œãã²ã ½ãªãò •ãõÔãñ ãä‡ãŠ ¹ãŠÊã †Ìãâ Ôãã井ã¾ããùâ ‚ããõÀ ¹ãÆãñ›ãè¶ã ¹ãÆÞãìÀ Œãã²ã „¦¹ããªãò ½ãò ‡ãŠ½ã•ããñÀ ‚ãã¹ãîãä¦ãà Ôã½ã©ãöã Ôãñ ½ãì³ã Ô¹ãŠãèãä¦ã ºã¶ããè ÀÖãè ‚ããõÀ ½ããõÔã½ã ‡ãñŠ „¦ããÀ-Þãü¤ãÌã ¶ãñ ãäÔ©ããä¦ã ‡ãŠãñ ‚ããõÀ ¼ããè ºãª¦ãÀ ºã¶ãã ã䪾ããý ½ãì³ãÔ¹ãŠãèãä¦ã ÊãØãã¦ããÀ „ÞÞã Ô¦ãÀ ¹ãÀ Öãñ¶ãñ ‡ãñŠ ‡ãŠãÀ¥ã ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãŠãñ ¦ã¦‡ãŠãÊã ½ãì³ãÔ¹ãŠãèãä¦ã Àãñ‡ãŠ¶ãñ ‚ããõÀ ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãŠãñ ãä¶ã¦Ôãããä֦㠇ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‚ã¹ãÆõÊã 2010 ‡ãñŠ ¹ãÆãÀâ¼ã Ôãñ 8 ºããÀ ¶ããèãä¦ã ªÀ ½ãò Ìãðãä® ‡ãŠÀ¶ããè ¹ãü¡ãèý ¦ã©ãããä¹ã, ½ããÞãà 2011 ‡ãñŠ ÌããÔ¦ããäÌã‡ãŠ ½ãì³ãÔ¹ãŠãèãä¦ã ‚ãâ‡ãŠ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ½ãì³ãÔ¹ãŠãèãä¦ã Êãà¾ã 8% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‚ããõÀ ¼ããè „ÞÞã¦ãÀ 8.98% Öãñ Øã¾ããý

¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ¶ãñ ãäÌãªñÍããè ½ãì³ã ºãã•ããÀ ½ãò ¦ã›Ô©ã¦ãã ‡ãŠã Œ㠂ã¹ã¶ãã¾ãã ‚ããõÀ ÌãÓãà ‡ãñŠ ªãõÀã¶ã ¡ãÊãÀ ‡ãŠãè ¦ãìÊã¶ãã ½ãò Á¹ã¾ãñ ½ãò 1.1% ‡ãŠãè ½ãîʾã Ìãðãä® ÖìƒÃý ªñÍã ‡ãŠãè ‚ããÀãäàã¦ã ãäÌãªñÍããè ½ãì³ã ½ãò ¾ãî†Ôã$ 28 ãäºããäÊã¾ã¶ã ‡ãŠãè Ìãðãä® ÖìƒÃ ‚ããõÀ ¾ãÖ ¾ãî†Ôã $ 305 ãäºããäÊã¾ã¶ã ¹ãÖìâÞã ØãƒÃý 2010-11 ‡ãŠã ÞããÊãî Œãã¦ãã Üãã›ã, ãä•ãÔã‡ãŠã ¹ãÆãÀâ¼ã ½ãò Ôã‡ãŠÊã ÜãÀñÊãî „¦¹ã㪠‡ãñŠ 3% Ôãñ ‚ããä£ã‡ãŠ ‡ãŠã ‚ã¶ãì½ãã¶ã ©ãã, ‚ãâãä¦ã½ã Àã•ã‡ãŠãñÓããè¾ã ãä¦ã½ããÖãè ½ãò ª•ãà ‡ãŠãè ØãƒÃ ‚ããä£ã‡ãŠ¦ã½ã ãä¶ã¾ããæã Ìãðãä® Ôãñ Ôã‡ãŠÊã ÜãÀñÊãî „¦¹ã㪠‡ãñŠ ÊãØã¼ãØã 2.5% ¦ã‡ãŠ Á‡ãŠ¶ãñ ‡ãŠãè „½½ããèª Öõý

¼ããÀ¦ã ‡ãŠãè ‚ã©ãÃ-̾ãÌãÔ©ãã Ôãâ¼ããÌã¶ãã

¹ãÆØããä¦ã ‡ãŠãè ‚ããñÀ ‚ãØãÆÔãÀ, ÔãÀ‡ãŠãÀ ‡ãñŠ ¹ãîÌããöãì½ãã¶ã ‡ãñŠ ‚ã¶ãìÔããÀ ÌãÓãà 2011-12 ‡ãñŠ ªãõÀã¶ã ‚ã©ãÃ-̾ãÌãÔ©ãã ¶ãñ 8.75% Ôãñ 9.25% ‡ãŠãè Ñãñ¥ããè ‡ãñŠ ¼ããè¦ãÀ Ìãðãä® ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý ½ãì³ãÔ¹ãŠãèãä¦ã ½ãò ÔãÖã¾ã‡ãŠ ‚ãã¹ãîãä¦ãà Ôã½ã©ãö㠇ãñŠ ‚ãâ¦ãÀãÃÓ›Èãè¾ã ªºããÌã •ã¶ãÌãÀãè 2011 Ôãñ Ü㛶ãñ ¹ãÆãÀâ¼ã Öãñ ØㆠÖöý ¦ã©ãããä¹ã, ãä¹ãœÊãñ ªãñ ½ãÖãè¶ããò ½ãò ½ãì³ãÔ¹ãŠãèãä¦ã ¹ãÀ ªñŒãñ Øㆠ½ããâØã Ôã½ã©ãö㠪ºããÌã ‡ãñŠ ÞãÊã¦ãñ ‡ãŠÞÞãñ ¦ãñÊã ‚ããõÀ ÌãÔ¦ãì‚ããò ‡ãŠãè ºãü¤¦ããè ªìØã¶ããè ‡ãŠãè½ã¦ã ¶ãñ ÌãÓãà 2011-12 ½ãò ºã¶ãㆠÀŒã¶ãñ Êãã¾ã‡ãŠ Ìãðãä® ‡ãñŠ ãäÊㆠ½ãì³ãÔ¹ãŠãèãä¦ã ¹ãƺãâ£ã¶ã ‡ãŠãñ ¹ãƽãìŒã ºã¶ãã ã䪾ãã Öõý ½ãîÊã ½ãì³ãÔ¹ãŠãèãä¦ã, •ããñ ½ããâØã Ôã½ã©ãö㠪ºããÌã ‚ããõÀ ½ããõã䳇㊠¶ããèãä¦ã ãä¶ã¹ã¥ã ‡ãŠã ½ããØãêÍãö㠇ãŠÀ¦ããè Öõ, ½ããÞãà 2011 ½ãò 7.1% ‡ãŠãè Ìãðãä® ÖìƒÃý ãäÖ¦ã‡ãŠÀ ‚ãã£ããÀ¼ãî¦ã ¹ãƼããÌã ‡ãñŠ ºããÌã•ãîª ½ãîÊã ½ãì³ãÔ¹ãŠãèãä¦ã ‡ãñŠ „ÞÞã Ô¦ãÀ ¹ãÀ ºã¶ãñ ÀÖ¶ãñ ‡ãñŠ

¹ãƺãâ£ã¶ã ÞãÞããà †Ìãâ ãäÌãÍÊãñÓã¥ã

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

9

½ã쌾ã Ôã½ããÞããÀ Ôãñ ¦ã¦‡ãŠãÊã Öãùãä‡ãŠÍã ½ããõã䳇㊠¶ããèãä¦ã ‚ãÌããäÔ©ããä¦ã ¦ã©ãã 2011-12 ‡ãŠãè ‚ãÌããä£ã ‡ãñŠ ªãõÀã¶ã ½ãîÊã ¶ããèãä¦ã ªÀ ‡ãŠ½ã Ôãñ ‡ãŠ½ã 75 ‚ãã£ããÀ ‚ãâ‡ãŠ Öãñ¶ãñ ‡ãŠãè Ôãâ¼ããÌã¶ãã Öõý ½ãìªÆãÔ¹ãŠãèãä¦ã ‡ãŠãñ ÊãØã¼ãØã 6% ‡ãñŠ ‚ããõÀ ‚ããä£ã‡ãŠ Ôãâ¦ãìãäÊã¦ã Ô¦ãÀ ¹ãÀ Êãã¶ãñ ¦ã‡ãŠ „ÞÞã º¾ãã•ã ªÀ ‡ãŠã Ôãã½ã¶ãã ‡ãŠÀ¶ãã ÖãñØããý ƒÔã ¹ãÆãä‰ãŠ¾ãã ½ãò ‡ã슜 ‚ãã£ããÀ ‚ãâ‡ãŠ 2011-12 ½ãò ãäÔã½ã› Ôã‡ãŠ¦ãñ Öö ãä¹ãŠÀ ¼ããè 2011-12 ‡ãñŠ ãäÊㆠªÔ¦ã‡ãŠ ªñ¶ãñ ÌããÊãñ ÔãâÌãðãä® ‚ãâ‡ãŠ 8% Ôãñ ‚ããä£ã‡ãŠ ÖãòØãñ •ããñ ̾ãÌãÔãã¾ã Ìãðãä® ‡ãñŠ ãäÊㆠ‚ãÔããè½ã Ôãâ¼ããÌã¶ãã „¹ãÊ㺣㠇ãŠÀã¾ãòØãñý

ºãöãä‡ãâŠØã àãñ¨ã ãäÌã‡ãŠãÔã ‚ããõÀ Ôãâ¼ããÌã¶ãã

„¸ã¦ã º¾ãã•ã ªÀ ¹ããäÀÒ;㠇ãñŠ ºããÌã•ãîª ãäÌãÍãñÓã ¹ã Ôãñ 2010-11 ‡ãñŠ ºã㪠‡ãñŠ ãäÖÔÔãñ ‡ãñŠ ªãõÀã¶ã Ôãâ¹ãî¥ãà ÌãÓãà ‡ãñŠ ãäÊㆠ21.4% ‡ãŠãè ¨ãÉ¥ã Ìãðãä® ãä¹ãœÊãñ ÌãÓãà ª•ãà ‡ãŠãè ØãƒÃý Ìãðãä® ‚ããõÀ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ‚ã©ãà ̾ãÌãÔ©ãã ‡ãŠãè ½ã•ãºãî¦ã Ìãðãä® ‡ãñŠ ãäÊㆠãä¶ã£ããÃãäÀ¦ã Êãà¾ã Ôãñ ¼ããè ‚ããä£ã‡ãŠ ÖãñØããèý ¦ã©ãããä¹ã, •ã½ããÀããäÍã ½ãò Ìãðãä® ¨ãɥ㠇ãŠãè Øããä¦ã Ôãñ ½ãñÊã ¶ãÖãé Œãã Ôã‡ãŠ¦ããè, •ããñ ãä‡ãŠ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ´ãÀã ãä¶ã£ããÃãäÀ¦ã 18% ‡ãñŠ Êãà¾ã ‡ãñŠ ãäÌã® ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ 17.2% ‡ãŠãè ¦ãìÊã¶ãã ½ãò Ôãâ¹ãî¥ãà ÌãÓãà ‡ãñŠ ãäÊㆠ15.8% ¦ã‡ãŠ ‡ãŠãè Ìãðãä® ÖìƒÃý ‚ã¹ãñàãã‡ãðŠ¦ã „ÞÞã ¨ãÉ¥ã Ìãðãä® ¹ãƪãäÍãæ㠇ãŠÀ¦ãñ Öì† 2010-11 ½ãò •ã½ãã-¨ãɥ㠂ã¶ãì¹ãã¦ã 75.68% ªñŒãã Øã¾ãã, •ããñ ãä‡ãŠ 2009-10 ½ãò ª•ãà ãä‡ãŠ† Øㆠ72% ‡ãŠãè ¦ãìÊã¶ãã ½ãò ‚ããä£ã‡ãŠ Öõý ÌãÓãà ‡ãñŠ ‚ããä£ã‡ãŠãâÍã ãäÖÔÔãñ ½ãò ¹ãÆ¥ããÊããè, †¶ã¡ãè›ãè†Êã ‡ãñŠ 1% ‡ãñŠ ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ ÔãÖ•ã Ô¦ãÀ Ôãñ ‡ãŠÖãè ‚ããä£ã‡ãŠ ÞãÊããä¶ããä£ã ‡ãŠãè ‡ãŠ½ããè ‡ãŠãè Ôããàããè ÀÖãèý ÔãâÀÞã¶ã㦽ã‡ãŠ ‚ããõÀ ãä¹ãÆŠ‡ã‹Ôã¶ãÊã Ü㛇ãŠãò ¶ãñ ÞãÊããä¶ããä£ã ‡ãŠãè ‡ãŠ½ããè ½ãò ÔãÖ¾ããñØã ã䪾ããý ÌãÓãà 2010-11 ‡ãñŠ ªãõÀã¶ã ÞãÊããä¶ããä£ã ‡ãŠãè ‡ãŠ½ããè ‡ãŠãñ ÖÊã‡ãŠã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ¶ãñ ½ãƒÃ 2010 ½ãò †Êㆆ¹ãŠ ‡ãŠãè ªîÔãÀãè ãäŒãü¡‡ãŠãè ‡ãŠãñ ŒããñÊãã, •ããñ 2010-11 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ¹ããäÀÞããÊã¶ã ½ãò ©ããè ‚ããõÀ ãäªÔãâºãÀ 2010 ¦ã‡ãŠ †Ôã†Êã‚ããÀ ‡ãŠãñ 24% ¦ã‡ãŠ ‡ãŠ½ã ¼ããè ãä‡ãŠ¾ããý ½ã•ãºãî¦ã ÞãÊããä¶ããä£ã ãäÔ©ããä¦ã ‡ãñŠ Ôãã©ã ¶ããèãä¦ã ªÀ ½ãò ªãñÖÀãè Ìãðãä® ÖìƒÃ, ãä•ãÔã‡ãñŠ ÞãÊã¦ãñ Ìã¦ãýãã¶ã ãäÌã§ããè¾ã ÌãÓãà ‡ãñŠ ºã㪠‡ãñŠ ãäÖÔÔãñ ‡ãñŠ ‚ããÔã-¹ããÔã „£ããÀ Ôãã©ã Öãè Ôãã©ã •ã½ãã ªÀ ªãñ¶ããò ½ãò Ìãðãä® ‡ãŠãè ¹ãÆÌãðãä§ã ÀÖãèý ¦ã©ãããä¹ã, ºãö‡ãŠ, 2010-11 ‡ãŠãè ¦ããèÔãÀãè ãä¦ã½ããÖãè ‡ãñŠ ãäÊㆠãäÀ¹ããñ›Ã ãä‡ãŠ† Øㆠ¹ããäÀ¥ãã½ããò ½ãò ‚ã¹ã¶ãñ †¶ã‚ããƒÃ†½ã ÔãâÀãäàã¦ã ‡ãŠÀ Ôã‡ãñŠý

ºãöãä‡ãâŠØã Ôãñ‡ã‹›À Ôãâ¼ããÌã¶ãã

ãä¹ãŠÞã ‚ããõÀ ½ãî¡ãè•ã Àñãä›âØã †•ãòãäÔã¾ããò ‡ãñŠ ‚ã¶ãìÔããÀ 2011 ½ãò ¼ããÀ¦ããè¾ã ºãö‡ãŠãò ‡ãñŠ ãäÊㆠÔãâ¼ããÌã¶ãã ãäÔ©ãÀ ºã¶ããè ÀÖòØããèý ãäÔ©ãÀ Ôãâ¼ããÌã¶ãã ºãö‡ãŠãò ‡ãñŠ ãäÊㆠÔãìÊã¼ã ‚ãããäÔ¦ã Øãì¥ãÌã§ãã ÔãâÔ©ãã, ¨ãÉ¥ã Öããä¶ã ‚ããÀãäàã¦ã ãäÔ©ããä¦ã ½ãò Ôãì£ããÀ, ½ã•ãºãî¦ã ¹ãî ú•ããè Ô¦ãÀ, ½ã•ãºãî¦ã ŒãìªÀã •ã½ããÀããäÍã ‚ãã£ããÀ, ÔãìÒü¤ ÞãÊããä¶ããä£ã ‚ããõÀ ÔãÀ‡ãŠãÀ ´ãÀã Ôãã½ã㶾㠃ãä‡ã‹Ìã›ãè ¹ãî â•ããè ½ãò Ìãðã ä® ‡ãŠÀ¶ãñ •ãõÔããè ‚ã¶ãì‡ãîŠÊã ¹ããäÀÞããÊã¶ã ãäÔ©ããä¦ã¾ããò ã䪌ããƒÃ ªñ ÀÖãè Ööý ¾ã²ããä¹ã „£ããÀ ªÀãò ½ãò Ìãðã ä® ÖìƒÃ Öõ, ãä‡ãŠ¶¦ãì ãä¶ããäÍÞã¦ã ½ã•ãºãî¦ã ½ããâØã Ôãñ ºãö‡ãŠ 2010-11 ½ãò ‚ã¹ã¶ãñ ¨ãɥ㠹ããñ›Ã¹ãŠãñã äÊã¾ããò ½ãò ¹ã¾ããù¦ã ¹ã Ôãñ „ÞÞã Ìãðãä® ª•ãà ‡ãŠÀòØãñý ºãö‡ãŠãò ‡ãŠãè „£ããÀ Øããä¦ããäÌããä£ã¾ããú 2011-12 ½ãò ªãñÖÀñ ‡ãŠãÀ¥ããò Ôãñ ¦ãÀ¥ãÍããèÊã ºã¶ããè ÀÖòØããèý

¹ãÖÊãã, ¼ããÀ¦ããè¾ã ½ããõÔã½ã ãäÌã—ãã¶ã ãäÌã¼ããØã 2011-12 ‡ãñŠ ãäÊㆠÔãã½ã㶾㠽ãã¶ãÔãî¶ã ‡ãŠãè ‚ã¹ãñàãã ‡ãŠÀ ÀÖã Öõý ÌãÓãà 2011-12 ½ãò 20% ¦ã‡ãŠ ‡ãðŠãäÓã ‡ãñŠ ºãü¤ñ Öì† ¾ããñ•ã¶ãã ‚ããâºã›¶ã Ôãñ ØãÆã½ããè¥ã ºãìãä¶ã¾ããªãè ¤ãâÞãã ¦ã©ã㠂㶾㠇ãŠÊ¾ãã¥ã Ôãâºãâ£ããè ‡ãŠã¾ãà ½ãò ÔãÀ‡ãŠãÀ ‡ãñŠ ̾ã¾ããò ½ãò Ìãðãä® ÖãñØããè ¹ããäÀ¥ãã½ãÔÌã¹ã ØãÆã½ããè¥ã àãñ¨ã ½ãò ŒãìªÀã ¨ãɥ㠇ãŠãè ½ããâØã ºãü¤ñØããè ¦ã©ãã ØãÆã½ããè¥ã ‚ãã¾ã ½ãò ¼ããè Ìãðãä® ÖãñØããèý ªîÔãÀã, ‚ããä¦ããäÀ§ãŠ 2011-12 ‡ãñŠ ‡ãñŠ¶³ãè¾ã ºã•ã›

½ãò ¾ãÖ ÜããñÓã¥ãã ‡ãŠãè ØãƒÃ Öõ ãä‡ãŠ ‡ãðŠãäÓã „¦¹ã㪶㠦ã©ãã ‡ãðŠãäÓã ‚ãã¹ãîãä¦ãà ¹ãÆ¥ããÊããè ½ãò Ìãðãä® Öñ¦ãì ‚ã¶ãñ‡ãŠãò ‡ãŠª½ã „Ÿã† •ãã†âØãòý ‡ãðŠãäÓã „¦¹ã㪶ã Ôãâºãâãä£ã¦ã Øããä¦ããäÌããä£ã¾ããò ½ãò Ìãðãä® Öñ¦ãì 2011-12 ½ãò ‚ãã£ããÀ ¼ãî¦ã àãñ¨ã Öñ¦ãì ` 2,14,000 ‡ãŠÀãñü¡ ‡ãŠã ‚ããºã⛶ã Öõ ¦ã©ãã „ÞÞã Ô¦ãÀ ¹ãÀ ºãö‡ãŠ ãäÌã§ã¹ããñÓã¥ã ‡ãŠãè ‚ããÌã;ã‡ãŠ¦ãã ÖãñØããèý ¦ããèÔãÀã, ÔãÀ‡ãŠãÀãè „£ããÀ 2011 ½ãò ‡ãŠ½ã ‡ãŠÀ¶ãñ ‡ãñŠ ãäÊㆠ‡ãñŠ¶³ãè¾ã ºã•ã› ‡ãŠãè œÊãÌããú ãä‡ãŠ¾ãã Øã¾ãã Öõý ºã•ã› ½ãò „ãäÊÊããäŒã¦ã Àã•ã‡ãŠãñÓããè¾ã Ôã½ãñ‡ãŠ¶ã Ôãñ ãä¶ã•ããè „²ã½ã ‡ãñŠ ãäÊㆠãä¶ããä£ã ‡ãŠãè „¹ãÊ㺣ã¦ãã ½ãò Ìãðãä® ÖãñØããèý Þã¦ãì©ãÃ, Ìãããä¥ã•¾ã ½ãâ¨ããÊã¾ã ´ãÀã „ãäÊÊããäŒã¦ã ãä¶ã¾ããæ㠽ãò ³ì¦ã Ìãðãä® Ôãñ ƒÔã àãñ¨ã ½ãò ‚ããä¦ããäÀ§ãŠ ºãö‡ãŠ ãäÌã§ã ‡ãŠãè Ôãâ¼ããÌã¶ãã ãä¶ããä½ãæã ÖãñØããèý ƒÔã‡ãñŠ ‚ããä¦ããäÀ§ãŠ ãäÌããä¶ã½ããå㠦ã©ãã ÔãñÌãã†â ªãñ¶ããò ½ãò ¹ãÆ£ãã¶ã Ôãâ‡ãñŠ¦ã‡ãŠ ¦ã©ãã ‡ãŠãÀãñºããÀ ‚ã㦽ããäÌãÍÌããÔã ÔãîãäÞã¾ããâ ¼ããè ÔãÍã§ãŠ ÜãÀñÊãî ½ããâØã ‡ãŠãè ãä¶ãÀâ¦ãÀ¦ãã ‡ãŠãè ‚ããñÀ Ôãâ‡ãñŠ¦ã‡ãŠ Öõý ƒÔã ¹ãƇãŠãÀ, Ìãðãä®, ãäÌããä¶ã½ããÃ¥ã, ‚ãã£ããÀ¼ãî¦ã ÔãìãäÌã£ãã†â, ŒãìªÀã ¦ã©ãã ãä¶ã¾ããæã àãñ¨ã 2011-12 ½ãò ¨ãɥ㠇ãñŠ ¹ãƽãìŒã ‡ãñŠ¶³ ÖãòØãñý

•ã½ããÀããäÍã ½ãò 2010-11 ½ãò ¹ãÆãä¦ãÀãñ£ã㦽ã‡ãŠ ¦ãÀÊã¦ã㠇㊽㠹ãã¾ããè ØãƒÃ ãä•ãÔã½ãò ¼ããÀ¦ããè¾ã ãäÀû•ãÌãà ºãö‡ãŠ ‡ãñŠ Ôãã©ã ‚ã¹ã¶ãñ ÍãñÓã ¶ã‡ãŠªãè ½ãò ‡ãŠ½ããè ‡ãŠÀ ÔãÀ‡ãŠãÀ ¶ãñ ƒÔãñ ÔãìØã½ã ‡ãŠÀ¶ãã ‚ããÀ¼½ã ‡ãŠÀ ã䪾ãã Öõý ºãö‡ãŠãò ¶ãñ •ã½ããÀããäÍã ªÀãò ½ãò Ìãðãä® ‡ãŠÀ ã䪾ãã Öõ ãä•ãÔãÔãñ ÔãâÀÞã¶ã㦽ã‡ãŠ ¦ãÀÊã¦ãã Ôã½ãÔ¾ãã ¼ããè Ôã½ã㹦ã Öãñ ÀÖãè Öõý ƒÔã ¹ãƇãŠãÀ ¼ããÀ¦ããè¾ã ºãöãä‡ãâŠØã ¹ãÆ¥ããÊããè ½ãò •ã½ããÀããäÍã Ìãðãä® ‚ãÞœãè ÖãñØããèý

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ÌãÓãà ‡ãñŠ ªãõÀã¶ã 30.08% Ìãðãä® ª•ãà ‡ãŠÀ¦ãñ Öì† ºãö‡ãŠ ‡ãŠãè •ã½ããÀããäÍã ½ãò ` 69,123.87 ‡ãŠÀãñü¡ Ôãñ ` 2,98,885.81 ‡ãŠÀãñü¡ Ìãðãä® ÖãñØããèý ãä¹ãœÊãñ ÌãÓãà ‡ãñŠ ` 28.68% Ìãðãä® ‡ãŠãè ¦ãìÊã¶ãã ½ãò ÜãÀñÊãî •ã½ããÀããäÍã¾ããò ½ãò Ìãðãä® ` 56,378.47 ‡ãŠÀãñü¡ ‚ã©ãÌãã 28.68% ©ããèý

ºãö‡ãŠ ‡ãŠãè ‚ããä¶ãÌããÔããè •ã½ããÀããäÍã¾ããâ ` 12,250 ‡ãŠÀãñü¡ ÀÖãè •ããñ Ôã‡ãŠÊã ÜãÀñÊãî •ã½ããÀããäÍã¾ããò ‡ãŠã 4.96% Øãã䟦㠇ãŠÀ¦ããè Ööý

10

ºãö‡ãŠ ‚ããùû¹ãŠ ƒâã䡾ãã / BANK OF INDIA ÌãããäÓãÇ㊠ãäÀ¹ããñ›Ã / Annual Report 2010-11

ºãÞã¦ã ºãö‡ãŠ •ã½ããÀããäÍã ½ãò 22.93% Ìãðãä® ÖìƒÃ ¦ã©ãã ÞããÊãî •ã½ããÀããäÍã ½ãò ¹ãÆØããä¦ã 2.43% ÀÖãèý ‡ãìŠÊã ªñÍããè •ã½ããÀããäÍã¾ããò ‡ãñŠ ºãÞã¦ã ¦ã©ãã ÞããÊãî •ã½ããÀããäÍã¾ããò ‡ãŠã ‡ãŠ½ã ÊããØã¦ã •ã½ããÀããäÍã¾ããâ 29.18% Öõý

ºãö‡ãŠ ‡ãñŠ ¹ããÔã ½ããÞãÃ, 2011 ‡ãñŠ ‚ãâ¦ã ¦ã‡ãŠ ãäÌããäÌã£ã •ã½ããÀããäÍã¾ããò ‡ãŠã ‚ãޜ㠂ãã£ããÀ Öõ ãä•ãÔã½ãò ØãÆã½ããè¥ã àãñ¨ããò Ôãñ ªñÍããè •ã½ããÀããäÍã¾ããú 10% Öõ, ‚ã£ãÃÍãÖÀãè Ôãñ 11%, ÍãÖÀãè Ôãñ 17% ¦ã©ãã ½ãÖã¶ãØãÀãè àãñ¨ããò Ôãñ 62% Öõý ºãö‡ãŠ ‡ãŠã ‡ãìŠÊã ØãÆãև㊠‚ãã£ããÀ 45.05 ãä½ããäÊã¾ã¶ã Öõ ãä•ãÔã½ãò 42 ãä½ããäÊã¾ã¶ã •ã½ãã‡ãŠ¦ããà ¦ã©ãã 3.05 ãä½ããäÊã¾ã¶ã „£ããÀ‡ãŠ¦ããà Öõý

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ºãö‡ãŠ ‡ãñŠ Ôã‡ãŠÊã ªñÍããè ¨ãɥ㠶ãñ 31.03.2010 ‡ãñŠ ` 1,35,193.96 ‡ãŠÀãñü¡ Ôãñ` 1,65,147.16 ‡ãŠÀãñü¡ ¦ã‡ãŠ 22.16% ‡ãŠãè Ìãðãä® ªÍããþããè Öõý ãä¹ãœÊãñ ÌãÓãà Ìãðãä® ªÀ 17.20% ©ããý ÔãìÒü¤ ÔÌããè‡ãðŠãä¦ã/ºãðÖª ‡ãŠã¹ããóÀñ›, ãä½ã¡ ‡ãŠã¹ããóÀñ›, †ÔㆽãƒÃ ¦ã©ãã ‡ãðŠãäÓã àãñ¨ã ‚ãã£ãããäÀ¦ã Ìãðãä® ¶ãñ ¾ãÖ ¹ãÆØããä¦ã ªÍããþããèý

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ÌãÓãà ‡ãñŠ ªãõÀã¶ã ‚ãã£ããÀ¼ãî¦ã ‡ãŠÌããäÀâØã …•ããà ãä¶ã½ããÃ¥ã, ›ñÊãñ‡ãŠ½¾ãîãä¶ã‡ãñŠÍã¶ã, ºãâªÀØããÖ, Ôãü¡‡ãòŠ, ãä¶ã½ããå㠟ñ‡ãñŠªãÀ ‚ãããäª ‡ãñŠ ‚ãâ¦ãØãæ㠺ãö‡ãŠ ¶ãñ ãä¶ããä£ã ‚ãã£ãããäÀ¦ã ` 12074 ‡ãŠÀãñü¡ ¦ã©ãã ØãõÀ-ãä¶ããä£ã ‚ãã£ãããäÀ¦ã ` 2093 ‡ãŠÀãñü¡ ÔÌããè‡ãðŠ¦ã ãä‡ãŠ¾ãã Öõý

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ªñÍããè ½ãì³ã ¦ã©ãã Ôãã©ã Öãè Ôãã©ã ãäÌãªñÍããè ½ãì³ã ½ãò ãä¶ã¾ããæã‡ãŠ ¦ã©ãã ‚ãã¾ãã¦ã‡ãŠ ØãÆãÖ‡ãŠãò ‡ãŠãè ãäÌã§ããè¾ã ‚ããÌã;ã‡ãŠ¦ãã‚ããò ‡ãŠãè ¹ãîãä¦ãà ½ãò ºãö‡ãŠ ‚㦾ããä£ã‡ãŠ Ôããä‰ãŠ¾ã ÀÖãý ªñÍã ½ãò ºãö‡ãŠ ‡ãŠãè 207 ÍããŒãã†â ãäÌãªñÍããè ãäÌããä¶ã½ã¾ã ‡ãŠãÀãñºããÀ ¦ã©ãã ‚ãã¾ãã¦ã‡ãŠãò †Ìãâ ãä¶ã¾ããæã‡ãŠãò ‡ãŠãè

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