Annual Report 0809

dm{fH$ [anmoQ> Annual Report 2008 - 09
Head Ofce : 66, Rajaji Salai, Chennai - 600 001
NOTICE
NOTICE is hereby given that the Third Annual General Meeting of the Shareholders of Indian Bank will be held on
Monday, the June 29, 2009 at 10.00 a.m. at IMAGE, MRC Nagar, Raja Annamalaipuram, Chennai - 600 028 to transact the
following business:
1.
To discuss, approve and adopt the Balance Sheet of the Bank as at March 31, 2009 and the Prot and Loss Account
for the year ended on that date, the Report of the Board of Directors on the working and activities of the Bank for the
period covered by the Accounts and the Auditors Report on the Balance Sheet and Accounts.
2.
To declare dividends for the year ended March 31, 2009.
Place : Chennai
M.S. Sundara Rajan
Date : May 29, 2009
Chairman & Managing Director
NOTES
1.
APPOINTMENT OF PROXY:
A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE MEETING IS ENTITLED TO APPOINT A PROXY TO
ATTEND AND VOTE INSTEAD OF HIMSELF / HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE
BANK.
The Proxy Form, in order to be effective, must be received at the Head Ofce of the Bank not less than four
days before the date of the Annual General Meeting i.e. before the closing hours of the Bank on Wednesday,
the June 24, 2009.on Wednesday, the June 24, 2009.
2.
APPOINTMENT OF AN AUTHORIZED REPRESENTATIVE:

No person shall be entitled to attend or vote at the Annual General Meeting as the duly authorized representative of
any body corporate which is a shareholder of the Bank, unless a copy of the resolution appointing him / her as a duly
authorized representative, certied to be a true copy by the Chairman of the meeting at which it was passed, has been
deposited at the Head Ofce of the Bank with the Company Secretary, Indian Bank, Investor Services Cell, No.66,
Rajaji Salai, 3rd Floor, Chennai - 600 001, not less than four days before the date of the Annual General Meeting i.e. on
or before the closing hours of the Bank on Wednesday, the June 24, 2009.on Wednesday, the June 24, 2009he June
24, 2009.
3.
ATTENDANCE SLIP-CUM-ENTRY PASS:

For the convenience of the shareholders, Attendance Slip-cum-Entry Pass is annexed to this Notice. Shareholders /
Proxy holders / Authorized representatives are requested to afx their signatures at the space provided therein and
surrender the Attendance Slip-cum-Entry Pass at the venue. Proxy / Authorized Representative of a shareholder
should state on the Attendance Slip-cum-Entry Pass as Proxy or Authorized Representative as the case may be.
4.
BOOK CLOSURE:
The Register of Shareholders and Share Transfer Register of the Bank will remain closed from Saturday, the
June 20, 2009 to Wednesday, the June 24, 2009 (both days inclusive) for the purpose of Annual General Meeting and
for ascertaining the entitlement of shareholders for payment of dividend.
5.
PAYMENT OF DIVIDEND:
Payment of dividend to shareholders as approved by the shareholders shall be paid to those shareholders whose
names appear on the Register of Shareholders of the Bank as on Friday, the June 19, 2009 and in respect of
shareholders holding their shares in dematerialized form as per the list provided to the Bank by the Depositories as on
Friday, the June 19, 2009. and the dividend warrants shall be mailed / credited within 30 days from the date of Annual
General Meeting.
6.
AVaU
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5.
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am{f`m O_m H$aZo H$m n`mg H$a ahm h& eoàYmaH$ Omo AnZo eoàm| H$mo BboQ>m{ZH$ $n _| aIo hE h, go BgHo$ mam AZwamoY h {H$ do {S>nm{OQ>ar nm{Q>{gn|Q>m| H$mo AnZo nVo _o
Ama ~H$ A{YXoe {ddaUm| _| hE AVZ n[adVZm| (Z`m ImVm g`m, `{X hmo, ~H$ BgrEg Ama AmBE\$Eg H$moS> g`mE) H$s OmZH$mar VwaV X| Vm{H$ EZBE\$Q>r/BgrEg
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_|, ~H$ AnZo nmg CnbY ~H$ ImVo {ddaU bm^me dmaQ>m| _| _w{XV H$aoJm&
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8.
nVo _| n[adVZ
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9.
eoàYmaH$m| go AZwamoY
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[anmoQ> H$s n{V`m dm{fH$ gm_m` ~R>H$ Ho$ WmZ na {dV[aV Zht H$s OmEJr&
I) eoàYmaH$ H$n`m ZmoQ> H$a| {H$ ~R>H$ Ho$ WmZ na H$moB ^|Q>/Hy$nZ {dV[aV Zht {H$E OmEJo&
10)
Omo eoàYmaH$ boIm| na H$moB gyMZm nmZm MmhVo h CZg| AZwamoY h {H$ do ~H$ Ho$ nYmZ H$m`mb` _| {ZdoeH$ godm H$j H$mo {bI|, Omo dm{fH$ gm_m` ~R>H$ H$s VmarI go
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6.
TRANSFERS:
Share certicates along with transfer deeds should be forwarded to the Share Transfer Agent at the address given in
Para (8) below for the transfer of shares of the Bank.
7.
DETAILS OF BANK ACCOUNT IN DIVIDEND WARRANTS / NATIONAL ELECTRONIC FUNDS TRANSFER FACILITY
(NEFT) / ELECTRONIC CLEARING SERVICE FACILITY (ECS):
The Bank is taking efforts to credit the dividend amounts to the bank accounts of the shareholders through National
Electronic Funds Transfer (NEFT) / Electronic Clearing Service (ECS) facility, wherever possible. The shareholders,
who are holding the shares in electronic form, are, therefore, requested to inform their Depository Participants about
their latest change of address and bank mandate details (including new account number, if any, banks ECS and
IFS Code numbers) immediately to ensure prompt crediting of the dividend amounts through NEFT / ECS. In the
absence of such NEFT / ECS facility and in the event of some shareholders not availing such facility, the Bank shall
print the Bank Account details, as available with it, in the dividend warrants.
The Shareholders who are holding their shares in physical form may send their Bank Mandate details to the Investor
Services Cell of the Bank or to the Share Transfer Agent of the Bank at the address given in Para (8) below on or before
Wednesday, the June 24, 2009, for updating of the records.
The shareholders who are holding the shares in demat form may approach their DEPOSITORY PARTICIPANTS
ONLY for necessary action in this connection.
A proforma of ECS Mandate / Bank Mandate is enclosed.
8.
CHANGE OF ADDRESS:
Shareholders holding shares in physical form are requested to intimate changes, if any, in their registered address, to
the Share Transfer Agent of the Bank at the following address:
M/s Cameo Corporate Services Limited
(Unit : Indian Bank)
Subramanian Building, No. 1, Club House Road, Chennai - 600 002.
Shareholders holding shares in dematerialized form are requested to intimate changes, if any, in their registered address and
NEFT / ECS mandate details only to their Depository Participant(s).
9.
10.
REQUEST TO SHAREHOLDERS
a)
Shareholders / Proxy holders / Authorized Representatives are requested to bring their copies of Annual Report
to the Meeting. Please note that copies of the Annual Report will not be distributed at the venue of the Annual
General Meeting.
b)
Shareholders may kindly note that no gifts / coupons will be distributed at the venue of the meeting.
Shareholders who wish to seek any information on the accounts are kindly requested to write to the Investor Services
Cell of the Bank at its Head Ofce, which should reach the Bank atleast one week before the date of the Annual General
Meeting so as to enable the Management to keep the information ready. Shareholders may note that information /
clarication shall be provided only at the Annual General Meeting.
{ZXoeH$m| H$s [anmoQ> 2008-09

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DIRECTORS REPORT 2008-09

To
The Members,
Your Directors have great pleasure in presenting the Banks
Annual Report along with the Audited Statement of Accounts
and the Cash ow statement for the year ended 31st March
2009.
Total Branch network of the Bank in India increased to

1642 as on 31.3.2009 and all the branches are under CBS.
Total number of ATMs increased to 755 which included

205 offsite ATMs and customers can have access to
32000 ATMs in the shared network.
FINANCIAL HIGHLIGHTS
The Bank took forward its growth story with Operating prot
increasing to Rs.2,228.83 crore as against Rs.1,659.30 crore
for 2007-08, registering a growth of 34.32%.
INCOME AND EXPENDITURE
During the year, total income of the Bank increased

to Rs.7,865.77 crore with a strong growth in interest
income to the tune of Rs.1,617.40 crore or 31.03%.
Net interest income registered a rise of Rs.554.62
crore (27.00%).
Net prot for 2008-09 was at Rs.1,245.32 crore as

compared to Rs.1,008.74 crore for 2007-08, showing a
growth of 23.45% in the current year.
Net Interest Margin improved to 3.54% from 3.45%.
Return on average assets was at 1.62% and 1.64% for

2007-08.
Other Income at Rs.1,035.44

increase of 2.96%.
Capital Adequacy Ratio stood at 13.27% as against

12.74% as of March 2008. The Bank is Basel II
compliant.
On the Expenditure side, the Banks interest expenditure

was at Rs.4,221.81 crore an increase of Rs.1,062.70
crore or 33.64%.
Return on Net worth for 2008-09 was at 23.35% as

against 24.51% for 2007-08.
Earnings per share as of March 2009 was Rs.27.96

and Book value per share was Rs.127.52 during the
current year.
Total operating expenses at Rs.1,415.13 crore for

2008-09 has shown an increase of Rs.14.84 crore,
an increase of 1.06%, when compared to the level of
Rs.1,400.29 crore in 2007-08.
Global Business of the Bank stood at Rs.1,24,413 crore

registering a growth of 22.85%.
Total Deposits grew by Rs.11,536 crore to Rs.72,582

crore, a growth of 18.90% for the year 2008-09.
Gross Advances were at Rs.51,831 crore, registering an

increase of Rs.11,603 crore (28.84%) as on 31.3.2009.
Overall Credit Deposit ratio was at 71.41%.
Priority Sector Advances at Rs.18,426 crore, grew by

Rs.3,297 crore ( 21.79%).
Agriculture Credit grew by Rs.1,544 crore (24.53%) to

Rs.7,838 crore and accounted for 20.51% of Adjusted Net
Bank Credit.
During 2008-09, total recovery of NPA including Accounts

Under Collection amounted to Rs.457.10 crore.
Gross NPA was at 0.89% as against 1.21% for March

2008 and Net NPA was lower at 0.18% as against
0.24% for March 2008.
Financial Inclusion: During 2008-09, 17.04 lakh

accounts were opened under the scheme, of which
Overdraft was extended in 52,545 accounts for Rs.10.91
crore.
crore registered an
The income and expenditure for the period 2008-09 are

given hereunder:
(Rs. in crore)
Particulars
Total Interest
Income
Total Interest
Expenditure
Net Interest
Income
Prot on sale of
investments
Net operating
Income
Operating
Expenses
Operating Prot
and
Provisions
Contingencies including
depreciation on account
of transfer of securities
to HTM category
Net Prot
2007-08
2008-09
Absolute
Growth
%
Growth
5212.97 6830.33
1617.40
31.03
3159.07 4221.81
1062.70
33.64
2053.90 2608.52
554.62
27.00
194.77
15.76
8.80
3059.59 3643.96
584.37
19.10
1400.29 1415.13
14.84
1.06
1659.30 2228.83
650.56 983.51
569.53
332.95
34.32
51.18
1008.74 1245.32
236.58
23.45
179.01
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2008-09
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11.02
7.68
7.61
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1.62
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38.83
488.16
616.78
4.91
6.23
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AmV[aH$ nXmoZ{V H$s n{H$`m Ho$ XmamZ ^Vu-nyd Ed nXmoZ{V-nyd n{ejU {X`m
OmVm h&
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gwbPm`m J`m& AOm / AOOm H$j, AOm / AOOm H$_Mm[a`m| H$s {eH$m`Vm| /
A`mdoXZm| H$m erK {ZnQ>mZ ^r gw{ZpMV H$aVm h& _hm n~YH$ Ho$ aH$ _| EH$ _w`
gnH$ A{YH$mar H$mo ^r Bg n`moOZmW Zm{_V {H$`m J`m h&
nmdYmZ VWm AmH$p_H$VmE
df Ho$ XmamZ ~moS> _| n[adVZ

{Zdoem| na _y`hmg hoVw nmdYmZ 265.99 H$amoS> h {Og_| n[anDo VH$ Ym[aV
gdJ VWm EE\$Eg go EMQ>rE_ _| n{V^y{V`m| Ho$ EH$~maJr n[adVZ _| nr{_`_
H$m n[aemoYZ em{_b h `h nmdYmZ 2007-08 Ho$ XmamZ 114.49 H$amoS> H$s
VwbZm _| h&
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2008 Ho$ .95.59 H$amoS> H$s VwbZm _| _mM 2009 _| 40.87 H$amoS> hmo J`m&
H$a nyd bm^ df 2007-08 Ho$ 1234.98 H$amoS> H$s VwbZm _| df 2008-09 Ho$
{bE 1786.10 H$amoS> h& H$a Ho$ ~mX bm^ 2007-08 Ho$ 1008.74 H$amoS> H$s
VwbZm _| 1245.32 H$amoS> h&
10
nwZarjmYrZ Ad{Y Ho$ XmamZ lr AZyn eH$a ^Q>Q>mMm` Zo 15.10.2008 H$mo

H$m`nmbH$ {ZXoeH$ H$m H$m`^ma JhU {H$`m& nmo. ZaoX Hw$_ma AJdmb Ama
lr gr Ho$ aJZmWZ Zo 30.06.2008 H$mo eoàYmaH$m| H$m n{V{Z{Yd H$aVo hE ~moS> _|
{ZXoeH$m| Ho$ $n _| H$m`^ma JhU {H$`m& 13.01.2009 H$mo gaH$ma H$m n{V{Z{Yd
H$aVo hE lr Hw$_ma gO` H$U, vkbZ-,-,l-] la;qDr lfpo] vkfFkZd dk;Z
foHkkx] foRr ea=ky;] Hkkjr ljdkj Zo ~moS> _| lr dr Eg go{Vb Ho$ WmZ na
H$m`^ma JhU {H$`m& lr Or MaV MXZ 31-01-2009 dks vius rhu ofZ ds dk;Z
le; dh lekfIr ij ~moS> go godm{ZdV hmo Jò&
SPREAD ANALYSIS
The Banks Net Interest income improved to Rs.2,608.52

crore in 2008-09 from Rs. 2,053.90 crore in 2007-08,
thereby registering a growth of 27%. The increase is
attributed to the substantial increase in interest income
arising from volume growth in advances.
DIVIDEND
The increase in interest income led to a marginal increase

in Net Interest Margin to 3.54% as of March 2009.
The Spread analysis is as under:

(Rs. in crore)
Growth
Parameters
2007-08
2008-09
Total Interest
Income
5212.97
6830.33
1617.40
31.03
Total Interest
Expended
3159.07
4221.81
1062.70
33.64
Spread
2053.90
2608.52
554.62
27.00
Yield on Funds
%
8.49
8.90
Cost of Funds
%
5.14
5.50
Net Interest
Margin %
3.45
3.54
Absolute
Prot before tax for 2008-09 is at Rs.1,786.10 crore as

against Rs. 1,234.98 crore for 2007-08. Prot after tax
is at Rs.1,245.32 crore as against Rs. 1,008.74 crore in
2007-08.
The Board of Directors is pleased to recommend a nal

dividend of 30% for 2008-09, thus making the total
dividend for 2008-09 to 50%. The dividend for nancial
year 2008-09 shall be subject to tax on dividend to
be paid by the Bank. The total outow on account
of dividend for 2008-09 is Rs.295.27 crore including
dividend tax. The payout ratio works out to 20.27%.
NET WORTH AND CRAR
The Net worth of the Bank improved to Rs.5,880.30

crore as on 31.3.2009 from Rs. 4,653.07 crore as on
31.03.2008 reecting a growth of 26.37% due to plough
back of prots.
The Capital to Risk (Weighted) Assets Ratio (CRAR) is

13.27% as of March 2009, compared to 12.74% as of
March 2008, against the requirement of 9%.
The CRAR of Tier I capital was 11.28% as of March

2009 as against 11.29% as of March 2008.
As on
March 2008
Tier-I Capital
IMPORTANT RATIOS
Tier-II Capital
(in per cent)
Parameters
Yield on Advances
2007-08
10.59
2008-09
11.02
Yield On Investment
7.68
7.61
Cost of Deposits
5.85
6.27
Return on Assets
1.64
1.62
Cost Income ratio

Business per employee (Rs in lakh)
Prot per employee (Rs in lakh)
45.77
38.83
488.16
616.78
4.91
6.23
PROVISIONS AND CONTINGENCIES
Provision for Depreciation on Investments including

amortisation of premium on Held to Maturity category
and one time shifting of securities from AFS to HTM
category is to the tune of Rs.265.99 crore as compared
to a provision of Rs.114.49 crore in 2007-08.
Provision for Standard Assets amounted to Rs.40.87
crore in March 2009 as against Rs.95.59 crore in March
2008 in compliance with RBI regulations.
Total
11.29
March 2009
11.28
1.45
1.99
12.74
13.27
In accordance with the priorities accorded by the Government

of India, the Banks Advances to SC/ST increased by
Rs.312.78 crore to reach Rs. 1,315.96 crore as of 31st March
2009 covering 3.51 lakh individuals and constituted 7.14 %
of total Priority Sector advances, representing 31% growth
over the previous years position.
Also as per Government guidelines, during the process
of Direct Recruitment and Internal Promotions, Prerecruitment and Pre-promotion trainings are offered to SC/
ST employees.
Periodical Quarterly Meetings are conducted and grievances,
if any are resolved then and there. The SC/ST Cell also
ensures prompt disposal of grievances/representations of
SC/ST employees. A Chief Liaison Ofcer in the rank of
General Manager is nominated for this purpose.
CHANGES IN THE BOARD DURING THE YEAR

During the period under review, Shri Anup Sankar
Bhattacharya assumed charge as Executive Director on
15.10.2008. Prof. Narendra Kumar Agrawal and Shri C K
Ranganathan joined the Board as Directors representing the
11
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Ama 01.02.2009 go H$_e lr dr Eg g|{Vb Ama lr Or MaV MXZ gX` Zht
h VWm BZH$s godmAm| Ho$ {bE ~moS> AnZr gamhZm A{^{b{IV H$aVm h& ~moS> ~H$
Ho$ g_J H$m` {ZnmXZ hoVw Q>m\$ gX`m| H$s g_{nV godmAm| d CZHo$ `moJXmZ Ho$ n{V
AnZr negm XO H$aZm MmhVm h&
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n`m boImH$Z [aH$mS>m| H$mo ~ZmE aIZo Ho$ {bE C{MV Ama i;kZIr lko/kkuh ~aVr
JB&
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boIm| H$mo fujUrj dkjksckjokys laLFkku dh ladYiuk Ho$ AmYma na V`ma

{H$`m J`m h&
12
A`j Ed n~Y {ZXoeH$
shareholders on 30.06.2008 and Shri Kumar Sanjay Krishna

I.A.S., Joint Secretary, Department of Economic Affairs,
Ministry of Finance, Government of India, joined the Board
as Director on 13.01.2009 representing the Government
in the place of Shri V S Senthil. Shri G Charath Chandran
retired from the Board on 31.01.2009 as he completed his
term of three years.
DIRECTORS RESPONSIBILITY STATEMENT

The Directors conrm that in the preparation of the annual
accounts for the year ended March 31, 2009
The applicable accounting standards have been

followed along with proper explanation relating to
material departures, if any;
The accounting policies framed in accordance with

the guidelines of the Reserve Bank of India, were
consistently applied;
Reasonable and prudent judgment and estimates were

made so as to give a true and fair view of the state of
affairs of the Bank at the end of the nancial year and
of the prot of the Bank for the year ended March 31,
2009.
Proper and sufcient care were taken for the

maintenance of adequate accounting records in
accordance with the provisions of applicable laws

governing banks in India; and
The accounts have been prepared on a going concern

basis.
ACKNOWLEDGEMENT
The Board expresses its gratitude to the Government of India,
Reserve Bank of India and Securities & Exchange Board of
India for the valuable guidance and support received from
them. The Board also thanks the nancial institutions and
correspondent banks for their co-operation and support. The
Board acknowledges the unstinted support of its customers
and shareholders. The Board records its sincere appreciation
for the valuable contribution made by Shri V S Senthil and
Shri G Charath Chandran who ceased to be member effective
from 13.01.2009 and 01.02.2009 respectively. The Board
wishes to place on record its appreciation of the dedicated
services and contribution made by members of staff for the
overall performance of the Bank.
For and on behalf of Board of Directors
CHAIRMAN AND MANAGING DIRECTOR
13
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14
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2008-09
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09 Ama \$adar 09 _| Bg_| bJmVma nVZ hAm&
MANAGEMENT DISCUSSION AND ANALYSIS

ECONOMIC ENVIRONMENT
Worldwide, the Financial Year 2008-09 witnessed volatility
with high degree of uncertainty. In the Indian economy the
year started off with highly optimistic note on the backdrop
of the strong fundamentals of the economy which was
completely reversed as the year drew to a close.
After ve years of spectacular growth posted by the Indian
economy, there were perceptible signs of deceleration in
FY09. A number of factors inimical to growth intensied and
these include global economic slowdown associated with
the nancial crisis in developed economies and tightening
of equity and credit markets. There has been substantial
shrinkage of the export market and capital ows dried up.
Consequently, a vicious cycle of weak demand and falling
output developed in the Indian economy.
In the beginning of the year, overall sentiment prevalent in the
economy was optimistic backed by high GDP growth, rising
savings and investment rates, and increase in manufacturing
activity through investments in capacity expansions. As the
global economic environment started to deteriorate owing to
simultaneous turmoil in food, energy and nancial sectors,
the Indian economy which was expected to remain insulated
was impacted due to increased integration of the Indian
economy and its nancial markets with the rest of the world;
and the ripple effect of the global crisis was transmitted to
the domestic economy via the trade and nance channels.
as against 10.85% in the previous year. The estimated

growth in GDP for the trade, hotels, transport and
communication sectors during 2008-09 is placed at
10.3 per cent. Financing, insurance, real estate and
business services are expected to show a growth rate
of 8.6 per cent during 2008-09 and the growth rate of
community, social and personal services during 200809 is estimated to be 9.3 per cent.
The National Income is likely to rise by 7.1 per cent

during 2008-09 in comparison to the growth of 9.1 per
cent in 2007-08.
The per capita income in real terms (at 1999-2000

prices) is estimated to grow at 5.6 per cent during
2008-09, as against the previous years estimate of 7.6
per cent.
INDUSTRIAL SECTOR
The global turbulence and its impact on the Indian

economy were apparent with the contraction in the
industrial output which turned negative from January
2009 onwards. The index has recorded a y-o-y fall of
1.2% during February, mainly due to a combination
of high base effect and sluggish external demand as
reected by continuously falling exports.
While mining and manufacturing output declined by

1.6% and 1.4% respectively, electricity sector registered
a marginal growth of 0.7%. However capital goods
and consumer durables registered a rm growth of
10.4% and 5.7% respectively during the period under
review.
The Core industries also were in the slowdown

registering a growth of 2.9 per cent in March 2009,
same as that of March 2008. For the period AprilMarch 2008-09, the six core industries registered a
growth of 2.7 per cent as against 5.9 per cent during
the corresponding period of the previous year.
REAL SECTOR
As per Central Statistical Organisations advance

estimates, the real GDP growth for 2008-09 is
estimated to be 7.1 per cent. This is based on the
expected higher growth of over 5 per cent in the
sectors of construction, trade, hotels, transport and
communication, nancing, insurance, real estate,
business services, and community, social and
personal services.
Agriculture, forestry and shing sector is likely to
show a growth rate of 2.6 per cent as against the
previous years growth rate of 4.9 per cent, mainly
on account of anticipated growth rates in horticultural
crops, livestock products and sheries.
The output in the industrial sector is expected to

moderate to 4.82% in FY09 as against 8.10% in the
previous year.
The services sector which has been the key growth

driver is expected to show a reduced growth of 9.65%
EXTERNAL SECTOR
On the external front, in the beginning of 2008-09,

Indias merchandise trade remained resilient. Demand
conditions worsened as Indias key trading partners and
the global economy witnessed a crisis of condence.
Indias exports lost momentum since Sep. 2008 and
declined for the consecutive months of Oct, Nov, Dec
08, Jan09, Feb09 and Mar. 09.
15
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-6.11 n{VeV ahr&
{dVr` pW{V
2008-09
Ho$ `mah _hrZm| _| ^maV H$m {dVr` KmQ>m, gemo{YV nmH$bZm|

H$m 94.1 n{VeV VH$ ~T>H$a .3071.33 H$amoS> ~Z J`m Omo{H$ Anb 07
go \$adar 08 VH$ nmò Jò 73.4 n{VeV go ~hV A{YH$ h& amOd KmQ>m,
gemo{YV nmH$bZm| H$m 101.3 n{VeV `m .2445.13 {~{b`Z ahm&
bZfDoVh cktkj
{dVr` ~mOma gH$Q> Ama H$_Omoa Am{WH$ gyMH$ Ho$ H$maU dpdH$ ~mOma _|
bJmVma H$_Omo[a`m| Ho$ \$bd$n Xoer ~mOmam| _| `mnma H$s _mm Ama n`mdV
_| _hdnyU H$_r hB&
Xoe _| g^r gyMr~ H$n{Z`m| H$m g{_l ~mOma _y`Z, _mM 31, 2008 H$mo
.49,72,953.37 H$amoS> go KQ>H$a Bg amOH$mofr` df Ho$ A{V_ {XZ H$mo
.30,86,075 H$amoS> ahm {Oggo Bg Ad{Y Ho$ XmamZ .18,86,000 H$amoS>
H$s hm{Z hB&
~~B Q>mH$ EM|O Ho$ ~|M_mH$ gyMH$mH$ gogog Omo{H$ g^r gyMr~
H$n{Z`m| Ho$ ~mOma nyOrH$aU H$m bJ^J 48 n{VeV H$m {hgm~ ~ZVr h, H$mo
31 _mM, 2009 H$mo g_m amOH$mofr` df Ho$ XmamZ bJ^J .10,00,000
H$amoS> H$s hm{Z hB&
Anb-_mM 2008-09 H$mo `mnma KmQo> H$m nmH$bZ `yEg S>mba 119.05
{~{b`Z Ho$ $n _| {H$`m J`m Omo{H$ {nN>bo df _| `yEg S>mba 88.52 {~{b`Z
Ho$ KmQo> go A{YH$ h&
_m{XH$ {dH$mg
Bg df Ho$ XmamZ geV E\$AmBAmB ~{hndmh Ho$ H$maU `yEg S>mba H$s VwbZm
_| nE Ho$ _y`hmg go Bg_| [aH$mS> H$_r hB Ama `h 52.06 ahm&
2008-09 H$s Vrgar {V_mhr Ho$ XmamZ Mmby Ama nyOr ImVo, XmoZm| _| KmQo> Ho$
H$maU ^maV Ho$ ^wJVmZ gVwbZ H$s pW{V _| Vrd {JamdQ> hB& {Z`mV _| H$_r
Ho$ H$maU Mmby ImVo H$m KmQ>m `yEgS>r 14.6 {~{b`Z VH$ ~T> J`m Omo{H$ df
1990 go gdm{YH$ KmQ>m h& nyOr ImVo H$m eof ZH$mam_H$ ~Zm Ama 199899 H$s nhbr {V_mhr Ho$ ~mX nhbr ~ma `yEgS>r 3.7 {~{b`Z H$m ~{hndmh
{XIm`m J`m&
dpdH$ _oQ>S>mCZ Ho$ H$maU 2008-09 H$m {dVr` df _hdnyU ahm& ^maVr`
[aOd ~H$ Zo df Ho$ Ama^ _| VJ _wXm Zr{V Ho$ AnZo X{>H$moU H$mo ~hV hr ~Xb
{b`m Wm VWm _m{XH$ H$X_m| H$mo {e{Wb H$am {X`m Wm&
df Ho$ Ama^ _| (OZdar - AJV 08) _| C Va H$s _wXm\$s{V Ama ~T>Vo

VabVm Ho$ X~md Ho$ H$maU ^maVr` [aOd ~H$ H$mo AnZm _m{XH$ X{>H$moU VJ
H$aZm nS>m Vm{H$ _wXm\$s{V H$s AnojmAm| na g`_ nm gHo$ Ama _mJ H$s Va\$
go X~mdm| H$mo KQ>m`m Om gHo$&
VWm{n Ogo hr dpdH$ {dVr` gH$Q> eZ eZ Vrd ~ZVo J`m, {dd â _| gnXm
jo na CgHo$ bhaXma n^md nS>Zo go dh {dVr` Ed `mnma MoZbm| Ho$ _m`_ go
^maVr` AW`dWm H$mo ^r n{VHy$b T>J go n^m{dV H$aZo bJm& Bggo ^maVr`
[aOd ~|H$ H$mo AVy~a 2008 go AnZr Zr{V H$mo _wXm \$s{V Ho$ {ZÙ go n[ad{VV
H$a _mJ nmo gmhZ Ed d{ H$mo ~T>mZo H$s Va\$ Ho$pXV H$aZm nS>m&
^maVr` [aOd ~H$ Ho$ b` go _wXm\$s{V Ama _wXm H$s Amny{V Ho$ H$ht A{YH$
~T> OmZo Ho$ H$maU ^maVr` [aOd ~H$ Zo A`{YH$ VabVm H$mo {Z`{V H$aZo
Ama _wXm\$s{VJV AnojmAmo na H$m~y nmZo Ho$ {bE Anb - AJV 2008 Ho$
XmamZ grAmaAma Ama arnmo Xa H$mo ~T>mH$a 9 n{VeV ~Zm {X`m&
Xoer Q>mH$ ~mOmam| go ~S>r _mm _| E\$AmBAmB Ho$ ~{hndmh Ama gmW hr gmW
AJV 08 VH$ ^maVr` [aOd ~H$ H$s VJ _m{XH$ Zr{V Zo ~mOma _| VabVm H$s
H$_r bm`r&
_y`m| H$s n[apW{V
df Ho$ Ama^ _| Im dVwAm| Ama BYZ Ho$ Xm_ _| ~T>moVar Ho$ H$maU _wXm\$s{V
H$m X~md ~T> J`m {Oggo AJV 08 _| S>`ynrAmB _wXm\$s{V 12.90 n{VeV
na Xmo AH$m| H$s hmo J`r Wr VWm Vob (noQ>mo{b`_) Ho$ Xm_ _| bJmVma ~T>moVar
g~go ~S>m g^m` IVam ahm& AJV 08 go dpdH$ Va na n`m| Ho$ Xm_ KQ>Zo
bJo VWm Bggo AW`dWm _| g_J _y`m| H$s pW{V _| Hw$N> amhV {_br& AV
AVam>r` Va na n`m| Ho$ _y` _| {JamdQ> Ho$ gmW, Omo{H$ Hy$S> Am`b Ho$ _y`
_| {JamdQ> go ew$ hAm, {gV~a 08 go _wXm\$s{V g`V hmoZo bJr& 28 _mM
2009 H$mo g_m gmh Ho$ {bE _wXm\$s{V H$s Xa 0.26 n{VeV Ho$ {ZZ
Va VH$ nhM J`r& {Z{_V CnmXm| na _wXm\$s{V H$s Xa 1.42 n{VeV ahr
16
Exports during March 2008-09 were valued at US $

11.51 billion which was 33.3 per cent lower than the
level of US $ 17.25 billion during March, 2008. The
Cumulative value of exports for the period April-March,
2008-09 was at US$ 168.7 billion as against US $ 163.1
billion, registering a growth of 3.4 per cent in Dollar
terms over the same period last year.
Imports during March 2008-09 were valued at US $
15.56 billion representing a decrease of 34 per cent
over the level of imports valued at US $ 23.57 billion
in March 2007-08. The Cumulative value of imports for
the period April- March 2008-09 was at US $ 287.76
billion as against US $ 251.65 billion registering a hike
of 14.3 per cent in Dollar terms over the same period
last year.
Oil imports during April-March 2008-09 were valued at
US $ 93.17 billion which was 16.9 per cent higher than
the oil imports of US $ 79.71 billion in the corresponding
period last year. Non-oil imports during April- March
2008-09 were valued at US $ 194.58 billion which was
13.2 per cent higher than the level of such imports
valued at US $ 171.94 billion in April- March 2007-08.
The trade decit for April-March 2008-09 was estimated

at US $ 119.05 billion which was higher than the decit
at US $ 88.52 billion in the previous year.
During the year, the rupee depreciated to record low of

52.06 against the US dollar due to strong FII outows.
Indias Balance of Payments deteriorated sharply in the

third quarter of 2008-09 with both current and capital
account running into decits. Exports contraction
resulted in the current account decit widening to USD
14.6 billion the highest since 1990. Capital account
balance turned negative showing outows of USD 3.7
billion for the rst time since Q1 of 1998-99.
Price Scenario
At the start of the year, surge in food and fuel

prices created inationary pressures causing the
WPI ination to reach a double digit of 12.90% in
Aug08 the potential threat being the steady rise in
oil prices. From Aug 08, Global commodity prices
started receding and this provided some respite to the
overall price situation in the economy. Thus, driven by
receding international commodity prices viz., crude
oil, the headline ination began to moderate from
Sep 2008. Ination rate slumped to a low of 0.26% for
the week ended 28th March 2009. The ination rate
of manufactured products stood at 1.42%, while that
of primary articles and fuel group stood at 3.46% and
-6.11% respectively.
Fiscal Position
Indias scal decit increased to 94.1% of the revised

estimates to Rs. 3,071.33 billion in the 11 months of
2008-09 much higher than the 73.4% witnessed during
April07-Feb08. The revenue decit was 101.3% of the
revised estimates amounting to Rs.2,445.13 billion.
Equity Markets
Persistent weakness in the global markets due to the

nancial market crisis and weak economic indicators
resulted in domestic markets recording a sharp decline
in their trading volume and turnover.
The combined market valuation of all the listed

companies in the country dropped to Rs . 30,86,075 crore
on the last day of this scal as against Rs. 49,72,953.37
crore on March 31st 2008, leading to a loss of over
Rs. 18,86,000 crore during the period.
The Bombay Stock Exchanges benchmark index

Sensex, which accounts for around 48 per cent of
the market capitalisation of all the listed companies,
suffered a loss of nearly Rs. 10,00,000 crore for the
scal ending March 31, 2009.
MONETARY DEVELOPMENTS
The FY 2008-09 was signicant in view of the global

meltdown. RBI changed its approach signicantly
from a tight monetary policy stance in the beginning of
the year to easing monetary measures.
In the beginning of the year (Jan-Aug 2008), high

ination and mounting liquidity pressures induced the
Reserve Bank to tighten its monetary stance to rein in
ination expectations and to decrease demand-side
pressures.
However, as the gradual intensication of the global

nancial crisis took place, its ripple effects on the real
sector across the globe began to adversely affect
the Indian economy via the nancial as well as trade
channels. This prompted RBI to shift its policy focus
from ination control to demand stimulation and
growth enhancement since Oct 2008.
With ination and money supply growing far above

RBIs target, the RBI raised the CRR and Repo rate
to 9% during April August 2008 to control excess
liquidity and to rein in inationary expectations.
The substantial FII outows from domestic stock

markets coupled with tight monetary policy followed
by the RBI till Aug 08 led to signicant liquidity crunch
in the market.
17
AVy~a 08 _| _mJ Xam| (^m[aV AmgV _mJ Xa|) Ho$ 19.74 n{VeV VH$ ~T>
OmZo go Ama ~H$m| mam EbEE\$ qdS>mo H$s eaU {bò OmZo go ~qH$J V _| VJ
VabVm pW{V n> {XI ahr Wr&
2008-09
H$s Xoer O_mAm| _| .10,754 H$amoS> Ho$ OmoS> go ò .69,659 H$amoS> ~Z J`t Omo{H$
18.26 n{VeV H$s d{ XemVm h&
31.03.2008
H$mo Xygao dfm _| Ogo hr AW`dWm Ho$ {dH$mg H$s g^m`Vm

_| AYmo_wIr Omo{I_ ~T>Zo bJo Ama _wXm\$s{V _| Hw$N> {ZÙ nmò OmZo bJm,
_m{XH$ Zr{V H$m Ho$pXV `mZ _wXm\$s{V na H$m~y nmZo go n[ad{VV hmoH$a {dH$mg
H$mo no[aV H$aZo d VabVm Ho$ X~mdm| H$mo H$_ H$aZo H$s {Xem _| ~Xb J`m& AV
dpdH$ {dVr` ~mOmam| _| gH$Q> Ho$ ~rM _| Xoer _oH$mo - BH$Zm{_H$ Ed {dVr`
pWaVm AZwa{jV H$aZo Ho$ n`mg Ho$ $n _| ^maVr` [aOd ~H$ Zo H$B H$X_
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H$s H$Q>mVr em{_b h&
2008-09 Ho$ XmamZ Xoer Q>mH$ ~mOma go {dXoer gWmJV {ZdoeH$m| Zo bJ^J
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E\$AmBAmB mam 3 {~{b`Z go A{YH$ am{e H$s {~H$s H$s J`r {Oggo gogog
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H$s d{ XO H$aVm h& 31.03.2008 H$mo .15,011 H$amoS> go ~T>H$a ~MV
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gH$b A{J_ .51831 H$amoS> aho Omo{H$ 28.84 n{VeV H$s d{ XO H$aVm h&
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17.3 n{VeV Wr&
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_mM 27, 2009 H$mo F$U O_m AZwnmV 72.32 n{VeV ahm&
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~H$ Zo AnZo A{J_m|
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~H$ H$m {dVV H$mamo~ma {ddaU

~H$ Zo IwXam F$U _| AnZr d{ H$mo 22.95 n{VeV VH$ g`V aIm VWm
gmd^m{_H$ H$mamo~ma
31 _mM, 2008 H$mo .1,01,274 H$amoS> go ~T>H$a ~H$ H$m gmd^m{_H$ H$mamo~ma 31
_mM, 2009 H$mo .1,24,413 H$amoS> VH$ ~T> J`m {Og_| .23,139 H$amoS> Ama
22.85 n{VeV H$s d{ XO H$s J`r& ~H$ Ho$ Xoer H$mamo~ma _| .21,411 H$amoS>
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31.03.2009 H$mo .9664.14 H$amoS> H$s am{e ~H$m`m ahr&
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hE Omo{H$ .246.91 H$amoS> `m 19.23 n{VeV H$s d{ XO H$aVm h&
emIm ZoQ>dH$ Ama {dVma
31.03.2009
ggmYZ gJhU
31.03.2008
H$mo .61,046 H$amoS> go ~T>H$a 31.03.2009 H$mo ~H$ H$s

gmd^m{_H$ O_mE .72,528 H$amoS> ~Z J`t {Og_| .11,536 H$amoS> Ho$ OmoS> go
18.91 n{VeV H$s d{ XO H$s J`r& 31.03.2008 H$mo .58,905 H$amoS> go ~H$
18
H$mo ~H$ H$s 1642 Xoer emImE Wt {Og_| 480 Jm_rU, 414
AY ehar, 410 ehar Ama 338 _hmZJar` emImE Wt& 63 {dVma H$mCQ>a, 29
go{Q>bmBQ> H$m`mb`, 1 dgybr Ho$X, 20 Jm_rU ~qH$J godm Ho$X Ama 1 \$maog
`yamo ahm& df Ho$ XmamZ ~H$ Zo 101 emImE Imobt& 2008-09 Ho$ XmamZ ~H$ Zo
An g`H$m| Ho$ jo Ama ~H$ godm a{hV jom| _| 37 emImE Imobt& BgHo$ Abmdm
~H$ H$s 2 {dXoer emImE H$mob~mo Ama qgJmnwa _| h&
Tight liquidity conditions in the banking system

was evident from rming up of call rates to 19.74%
(weighted average call rates) in October08 and
increasing recourse to LAF window by banks.
As the downward risks to the growth prospects of

the economy increased in the second half of 2008-09
and some moderation in ination was observed, the
focus of monetary policy shifted from ination control
to stimulating growth and easing liquidity pressures.
Thus, in an endeavour to maintain domestic macroeconomic and nancial stability amidst the turmoil in
the global nancial markets, the RBI announced a slew
of measures, which included cuts in CRR, Repo and
Reverse Repo rates by 400 bps, 350 bps and 200 bps
respectively during Oct 08-Jan 09.
Foreign institutional investors pulled out close to

Rs. 50,000 crore (Rs. 500 billion) at the domestic stock
market in 2008-09. A major chunk of FII selling over
$3 billion took place in October 2008 alone, which
saw the Sensex touching its lowest level in the last
three years. The benchmark index plunged to a low of
7,697 points in October amid sharp outow from FIIs.
It rallied to 9,709 points at end March, 2009.
Banking Sector
As of 27th March 2009, aggregate deposits of All

Scheduled Commercial Banks grew by 19.8 per
cent year-on-year as against 22.4 per cent in the
corresponding period in the previous year.
Credit growth during the same period was at 17.3 per

cent as against 22.3 per cent in the previous year.
Credit Deposit Ratio was at 72.32 per cent as on March

27, 2009.
DETAILED BUSINESS OVERVIEW

OF THE BANK
GLOBAL BUSINESS
Global Business of the Bank increased to Rs.1,24,413 crore
as on March 31, 2009 from Rs.1,01,274 crore as on March
31, 2008 registering an increase of Rs. 23,139 crore and a
growth of 22.85%. Domestic Business of the Bank increased
by Rs. 21,411 crore to Rs.1,18,520 crore as on that date
from Rs. 97,109 crore as on 31.3.2008, registering a growth
of 22.05%.
RESOURCE MOBILISATION
Global Deposits of the Bank improved to Rs.72,582 crore
as on 31.3.2009 from Rs.61,046 crore as on 31.3.2008, with
an accretion of Rs.11,536 crore and growth of 18.9%.
Domestic Deposits of the Bank increased by Rs.10,754 crore

to Rs.69,659 crore as on 31.3.2009 from Rs. 58,905 crore as
on 31.3.2008 registering growth of 18.26%.
Current Deposits reached a level of Rs.5,252 crore as on
31.3.2009 as against Rs. 4,704 crore as on 31.3.2008, an
increase of 11.65%. Savings Bank Deposits grew by 17.69%
to Rs.17,667 crore as on 31.3.2009 as against Rs. 15,011
crore as on 31.3.2008. The share of low cost deposit in total
deposits was at 31.58% as on 31.3.2009.
Banyan Vriksh Movement

To commemorate the 101st year of founding of the Bank,
a movement named Banyan Vriksh was launched on
18.08.2008 to bring in 1.1 million customers in 101 days to
our fold. The movement was successful.
CREDIT DEPLOYMENT
Gross Advances of the Bank touched the level of Rs.51,831
crore as on 31.3.2009 as against Rs.40,228 crore as on
31.3.2008 recording a growth of 28.84%. Domestic Credit
increased by Rs.10,657 crore (27.89%) to Rs.48,861 crore
as on 31.3.2009 as against Rs.38,204 crore as on 31.3.2008.
The growth mainly accrued from Non-food credit.
Domestic Non-food credit increased by Rs.10,626 crore
(28.63%) to Rs.47,744 crore as on 31.3.2009 as against
Rs. 10,076 crore as on 31.3.2008.
The CD ratio of the Bank as on 31.3.2009 stood at 71.41%.
The Bank continues its thrust on improving its yield on
advances and asset quality.
Priority Sector advances with an outstanding of Rs.18,426
crore constituted 48.23% of the Adjusted Net Bank Credit
and registered an increase of Rs.3,297 crore.
Banks Retail credit grew at 22.95% and the outstanding as
on 31.3.2009 was at Rs.9,664.14 crore.
Export Credit recorded a growth of Rs.246.91 crore or
19.23% from Rs.1,284.27
crore to Rs.1,531.18 crore as
on 27.03.2009.
BRANCH NETWORK AND EXPANSION

As on 31.03.2009, the Bank had 1642 domestic branches
comprising of 480 Rural, 414 Semi Urban, 410 Urban and 338
Metropolitan branches. There were 63 Extension Counters,
29 Satellite Ofces, 1 Collection Counter, 20 Rural Banking
Service Centres and 1 Forex Bureau. During the year, the
Bank opened 101 branches. The Bank opened 37 branches
in minority dominated and unbanked areas during 200809. Besides, the Bank has 2 foreign branches in Colombo
and Singapore.
19
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H$m KQ>H$ ~ZVm h&
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AVJV ~H$m`m am{e`m| H$m Va _mM 2008 _| .3.05 H$amoS> go _mM 2009
H$mo .11.44 H$amoS> VH$ ~T> J`m VWm 275 n{VeV H$s d{ XO H$s J`r&
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h& A.Om./A.O.Om. CYmaH$VmAm| go dgybr H$s pW{V 31.03.2009 H$mo
65.37 n{VeV ahr&
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n^mar A{YH$m[a`m| Ho$ {bE EH$ gdoXZerbVm H$m`H$_ Am`mo{OV {H$`m
(An g`H$/A.Om./A.O.Om. H$`mU hoVw)& ò H$j 31.10.2008 H$mo
_S>b H$m`mb`m| _| J{R>V {H$E JE& An g`H$ g_wXm` Ho$ {bE A{J_ _mM
2007 _| .774.05 H$amoS>, _mM 2008 _o .1544.69 H$amoS> nE go
_mM 2009 H$mo .2442.45 H$amoS> VH$ ~T> JE h Omo 2008-09 Ho$ XmamZ
.897.76 H$amoS> H$s d{ XemVm h Ama Hw$b nmW{_H$ jo Ho$ A{J_m| Ho$
13.26 n{VeV ~ZVm h&
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nmW{_H$Vm jo F$U
nmW{_H$Vm jo Ho$ A{J_m| _| .3296.47 H$amoS> H$s d{ go dh 31.03.2009
H$mo .18425.70 H$amoS> ahm Ama 21.79 n{VeV H$s d{ XO H$s J`r& `h
g_m`mo{OV {Zdb ~H$ F$U H$m 48.23 n{VeV ahm&
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H${f F$Um| _| .1543.82 H$amoS> H$s d{ go `h 31.03.2009 H$mo .7873.52
H$amoS> VH$ nhM J`m VWm 24.53 n{VeV H$s d{ XO H$s J`r& `h g_mòm{OV
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{deof H${f F$U `moOZm Ho$ AVJV ~H$ Zo 2008-09 Ho$ XmamZ .6324.77 H$amoS>
Ho$ H${f F$U {dV[aV {H$ò O~{H$ b` .4925 H$amoS> Wm VWm 128 n{VeV H$s
CnbpY hm{gb H$s J`r Wr& Cn`wV _| go .1680.20 H$amoS> H$m {dVaU 4.20
bmI Zò H$fH$m| H$mo {H$`m J`m& df 2008-09 Ho$ XmamZ {dVnmo{fV ZE H$fH$m|
H$s g`m 250 n{V emIm Ho$ _mZXS> Ho$ {d AmgV $n go 470 n{V Jm_rU /
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^maV gaH$ma H$s Zr{V Ho$ AZwnmbZ _| ~H$ Zo `h `moOZm bmJy H$s h {OgHo$ AVJV
H$fH$m| H$mo 7 n{VeV n{Vdf na Anmd{Y H${f F$U nXmZ {H$ò OmVo h {Og_| ^maV
gaH$ma mam 3 n{VeV AZwXmZ {X`m OmVm h& Bg `moOZm Ho$ VhV ~H$ Zo 7 n{VeV
H$s Xa na Anmd{Y H${f F$U Ho$ $n _| 2008-09 Ho$ XmamZ .2963.04 H$amoS>
{dV[aV {H$E {Oggo 9.51 bmI H$fH$m| H$mo bm^ nhMm VWm `h Hw$b {dV[aV \$gb
F$Um| H$m 79 n{VeV ahm (.3773.54 H$amoS>)&
e{jH$ F$U
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~T>mZo na Omoa bJmB h VWm e{jH$ F$U Ho$ g{d^mJ _|o ~H$ Ho$ F$U Omo{I_ 31 _mM
2009 H$mo .563.66 H$amoS> H$s d{ go .1712.99 H$amoS> ~Zm {Og_| ~H$ Ho$
JmhH$ ~og _| 1.33 bmI N>m OwS> JE& 2008-09 Ho$ XmamZ ~H$ Zo 66280 N>mm|
H$mo e{jH$ F$U Ho$ $n _| .540.17 H$amoS> nE {dV[aV {H$E& ~H$ Zo AmdoXZ
nm| Ho$ `WmerK {ZnQ>mao Ho$ {bE do~ AmYm[aV AmZ bmBZ {ejm F$U AmdoXZ n
nUmbr H$mo H$m`mpdV {H$`m&
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JhZ H${f F$U A{m`mZ
H$_Omoa dJm} H$mo A{J_

2008-09
Ho$ XmamZ H$_Omoa dJm} H$mo A{J_ _| .440.43 H$amoS> H$s d{ go `h

31 _mM 2009 H$mo .4118.95 H$amoS> ahm VWm Bg g~Y _| {ZYm[aV 10 n{VeV
Ho$ _mZXS> Ho$ {d `h g_m`mo{OV {Zdb ~|H$ F$U H$m 10.78 n{VeV ahm&
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dfm F$Vw, Ho$ gmW _ob ImVo hE g_` na F$U nXmZ H$aZo Ho$ {bE JhZ H${f F$U
A{^`mZ Iar\$ Ed a~r _mg_m| _| Am`mo{OV {H$ò Jò& BZ XmoZm| A{^`mZ Ad{Y`m|
_| Hw$b 62710 {H$gmZm| H$mo .362.65 H$amoS> nE VH$ F$U ghm`Vm nXmZ H$s
J`r&
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H$fH$m| H$mo nXV n`j F$U H$m 45.54 n{VeV h&
10577 ZE H$mVH$ma/_m{IH$ nQ>Qo>Xma/~Q>mBXmam| H$mo df Ho$ XmamZ .30.08

H$amoS> nXmZ {H$E JE Omo{H$ ^maV gaH$ma mam gwPm{dV 2.50 n{VeV Ho$
20
df 07-08 Ho$ XmamZ 75381 H$mo H$da H$aVo hE {dV[aV .814.86 H$amoS> Ho$
{d ~H$ Zo 2008-09 Ho$ XmamZ 90421 Lo;a lgk;rk lewgksa (EgEMOr) H$mo
.1054.04 H$amoS> H$s F$U ghm`Vm nXmZ H$s& 31 _mM 2009 VH$ _mBH$mo
croppers have been nanced during the year amounting

to Rs. 30.08 crore which constituted 2.52% in terms of
number of farmers to total new farmers nanced during
the year, as against 2.50% suggested by Government of
India.
Treasury Branch was opened at Chennai for integrated

treasury transactions and Forex transactions.
Twenty Banking Service Centres (BSC) are operational in
various parts of the country to increase outreach under
nancial inclusion.
Weaker Section campaign (between 19.07.08 & 01.08.08

and between 09.02.09 & 14.02.09) were conducted
with focus on DRI lending. As a result, outstanding
level under DRI improved from Rs. 3.05 crore in March
2008 to Rs. 11.44 crore in March 2009, recording 275%
growth rate.
Advances to SC/ST increased by Rs.312.78 crore to

reach Rs. 1,315.96 crore as of 31st March 2009 covering
3.51 lakh individuals and constituted 7.14% of total
Priority Sector advances representing 31% growth over
the previous year position. The recovery position of
SC/ST borrowers has been 65.37% as on 31.3.2009.
To increase credit ow to Minority Communities, the

Bank organized sensitization programme for Ofcersin-charge of special cells (for Minorities / SC-ST welfare)
formed at Circle Ofces on 31.10.2008. Advances to
Minority communities increased from Rs.774.05 crore
in March 2007 and Rs.1,544.69 crore in March 2008, to
Rs.2,442.45 crore registering an increase of Rs.897.76
crore during 2008-09 and constituted 13.26% of total
Priority Sector advances.
SEGMENT-WISE PERFORMANCE
Priority Sector Credit
Priority Sector advances increased by Rs.3,296.47 crore to
reach Rs.18,425.70 crore as at 31st March 09 and recorded
a growth of 21.79 %. It constituted 48.23 % of Adjusted Net
Bank Credit.
Agriculture credit
Agriculture advances increased by Rs.1,543.82 crore to
reach Rs.7,837.52 crore as on 31st March 2009 recording
a growth of 24.53%. It constituted 20.51% of Adjusted Net
Bank Credit.
Special Agricultural Credit Plan

Under the Special Agricultural Credit Plan, the Bank during
2008-09 disbursed farm loans to the tune of Rs.6,324.77 crore
against a target of Rs.4,925 crore recording an achievement
ratio of 128%. Out of the above, Rs. 1,680.20 crore has been
disbursed to 4.20 lakh new farmers. The number of new
farmers nanced during 2008-09 averaged to 470 per rural/
semi urban branch against the norm of 250/branch.
Provision of farm loans under interest subvention

scheme
In pursuance of the policy of the Government of India, The
Bank has operationalised the scheme of providing short
term agricultural loans to farmers at 7% p.a. with interest
subvention of 3% provided by Government of India. Under
the scheme, the Bank disbursed Rs. 2,963.04 crore during
2008-09, as short term agricultural loans at 7% rate of
interest beneting 9.51 lakh farmers accounting for 79% of
total crop loans disbursed (Rs. 3,773.54 crore).
Advances to Weaker Sections

Advances to weaker sections increased by Rs.440.43 crore
during 2008-09 and stood at Rs.4,118.95 crore as on 31st
March 2009 and constituted 10.78 % of Adjusted Net Bank
Credit as against a norm of 10% set in this regard. The
performance under major categories of Weaker Section
advances is as follows:
Rs.2,373.22 crore to 6.49 lakh Small / Marginal Farmers

which constituted 45.54 % of direct credit provided to
farmers as against 40% norm suggested by RBI.
10,577 new tenant farmers / oral lessees / share
Education loan
To assist needy and deserving students to pursue education,
the Bank continued the thrust towards extending education
loans and the Banks exposure to education loan portfolio
increased by Rs.563.66 crore to reach Rs.1,712.99 crore
as on 31st March 2009 with 1.33 lakh students forming a
part of the Banks customer base. During 2008-09, the Bank
disbursed a sum of Rs.540.17 crore as education loans to
66280 students. The Bank has also implemented Web
based on-line education loan application system to facilitate
early disposal of applications.
INITIATIVES TAKEN UP FOR ENHANCING

RURAL CREDIT
Intensive Farm Credit Campaigns
In order to provide timely credit coinciding with monsoon,
intensive farm credit campaigns were conducted during
the Kharif and Rabi seasons. During both these campaign
periods, a total of 62710 farmers were assisted to the tune
of Rs.362.65 crore.
Micro credit initiatives

Bank has disbursed Rs.1,054.04 crore as credit assistance to
90421 Self Help Groups (SHGs ) during 2008-09 compared
21
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Ogo g_WH$ godmE ^r nXmZ H$aVr h& BZ _mBH$mogoQ> emImAm| Ho$ mam _mM 2009
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F$U {dV{aV {H$ò Jò&
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Amoda S>mQ> Ed gm_m` Ho${S>Q> H$mS> gw{dYmE nXmZ H$s&
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22
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jo _| g^m`Vm H$mo nhMmZZo H$s _hdnyU ^y{_H$m {Z^mVo h& gmW hr F$UX H$s
JwUdVm, O_m gJhU, A{VXo` F$Um| H$s dgybr, EgEMOr Ho$ JR>Z Am{X _| ò b~
_hdnyU ghm`Vm nXmZ H$aVo h&
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.457.40 H$amoS> nò Ho$ F$U _m\$ H$a {X`m h {Oggo 2.36 bmI N>moQo> Ed gr_mV
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H$fH$ ^r BgHo$ {bE `mo` h VWm BgH$s am{e .84.57 H$amoS> hmoJr&
F$U _m\$s `moOZm Ho$ AVJV bm^ nm H$fH$m| H$mo 01.07.2008 go Zò F$U Omar
{H$ò Om aho h& 97357 ImVm| H$mo H$da H$aVo hE .283.19 H$amoS> H$s am{e nXmZ
H$s J`r h&
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$n go) Ho$ gmW ~H$ ^mJ bo ahm h& BZ XmoZm| n{ejU gWmZm| _| Jm_rU OZVm H$mo
Ho$X ~ZmH$a {d{dY XjVm C_wI n{ejU XjVm H$m`H$_ nXmZ {H$ò Om aho h&
Jm_rU OZVm Ho$ Ama ZOXrH$ AmZo Ho$ b` go, ~H$ go .10 H$amoS> Ho$ H$mong {Z{Y
Ho$ gmW B{S>`Z ~H$ Q>Q> \$moa $ab So>db_|Q> (AmB~rQ>rAmaS>r) Ho$ Zm_ go EH$
Q>Q> ew$ {H$`m J`m h, Omo Jm_rU jom| _| {d{dY {dH$mg H$m`m| H$mo H$aZo H$s b`
go Wm{nV {H$`m J`m h&
Bg Q>Q> H$s N>m`m _| ~H$ Zo 13.01.2009 _| H$mo Y_nwar _| Ama 28.03.2009
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{H$`m h&
to Rs.814.86 crore disbursed covering 75381 groups during

07-08. Outstanding under Micro Finance (SHGs) increased
by Rs.363.70 crore to reach Rs.1,350.86 crore as of 31st
March 2009.
Line families. The Bank has so far provided insurance cover

to 16,220 BPL members.
MICROSATE Branches: In its endeavor to contribute

towards urban nancial inclusion, the Bank has established
Specialized Micronance Branches called MICROSATE
Branches across the country. During the year ended March
2009, 13 Microsate Branches were opened, taking the total
to 25 branches. (12 in Tamil Nadu, 4 in Andhra Pradesh, 2 in
Kerala and one each in UT of Puducherry, New Delhi, Bihar,
West Bengal, Gujarat, Maharashtra, Orissa, Karnataka and
Madhya Pradesh). These Microsate Branches serve as the
one-stop-shop, catering to the credit requirements of SHGs,
NGOs and MFIs, providing not only credit, but also hand
holding services like skill upgradation, product promotion,
market facilitation etc. A total of Rs.276.95 crore have been
disbursed during the year ended March 2009, covering
16,355 SHGs through these Microsate Branches.
Banking Service Centre (BSC): To enable door step banking,

by providing basic banking services at villages level, the
Bank has introduced a new banking delivery channel viz.
Banking Service Centre (BSC). 20 Banking Service Centers
have so far been opened by the Bank in rural areas across
the country on a pilot basis.
Market facilitation: To ensure market facilitation through

publicity and sale, the Bank along with Indian Bank Trust for
Rural Development (IBTRD) arranged for an Exhibition cum
Sale exclusively for SHG Products at Chennai on 28.02.09 &
01.03.09. A total of 146 SHGs participated in the exhibition.
During the two days of exhibition, a total cash sale of Rs.4.21
lakh was registered besides booking of orders worth around
Rs.16 lakh.
Financial Inclusion Initiatives

Besides achieving total nancial inclusion (involving all Banks)
in UT of Puducherry, Cuddalore (TN) & Kollam (Kerala), the
Bank has implemented 100% Financial Inclusion in 9 other
lead districts. 100% FI has also been completed by the Bank
in Nilgiris (ST concentrated), Tiruvarur (SC concentrated)
and Kaniyakumari (minorities concentrated) districts.
Covering 4637 villages, the Bank under the Financial Inclusion
Project, opened 17.04 lakh No Frills SB accounts and
provided Overdraft and GCC facilities to 52545 individuals
with a total sum of Rs.10.91 crore.
The Bank has taken up initiatives to popularize Micro
Insurance products like Janashree Bima Yojana (JBY),
launched in association with LIC of India, intended for
providing life cover to SHG members. The Bank has provided
insurance cover to 83,033 members of 8579 SHGs. In this
regard our Branches observed February 09 as JBY Month.
During the month, 5393 groups were brought under the
scheme covering 57860 members.
Efforts were taken up to popularize Under Universal Health
Care Policy (UHCP), the micro insurance scheme launched
in association with United India Insurance Company Ltd
(UIIC) intended for providing health cover to Below Poverty
Rural Technology Initiatives
For Self Help Groups, an exclusive software application has

been developed for enabling dual biometric authentication
of SHG members (i.e. with nger print). So far 18 Biometric
ATMs have been installed by the Bank.
Farmers Clubs
The Bank has so far sponsored 342 farmers clubs. The
farmers club play important role in identication of potential
in the command area. These clubs are instrumental in
improving quality of lending, deposit mobilization, recovery
of overdue loans, and formation of SHGs etc.
Agricultural Debt Waiver and

Debt Relief Scheme
In terms of the announcement made by the Government
of India in the Union Budget 2008, the Bank has provided
debt waiver amounting to Rs.457.40 crore beneting 2.36
lakh Small and Marginal Farmers. Besides 0.43 lakh other
farmers were eligible for relief of Rs.84.57 crore as at the
close of the scheme.
Fresh loans are being issued to the beneciaries of the Debt
Waiver scheme from 01.07.08. Rs.283.19 crore has been
provided covering 97357 accounts.
Other Initiatives
The Bank is participating in Rural Training Centre, Karaikudi,
Tamil Nadu (jointly with IOB and NABARD) and Andhra
Pradesh Bankers Institute of Rural & Entrepreneurship
Development -APBIRED, Hyderabad (jointly with
Government of Andhra Pradesh, and four other Banks).
These two training institutes offer wide range of skill oriented
training programmes with a focus on rural population.
As a step towards getting closer to the rural people, a Trust
by name Indian Bank Trust for Rural Development (IBTRD)
has been established with a corpus fund of Rs.10 crore
from the Bank with the objective of undertaking various
developmental activities in rural areas.
Under the umbrella of this trust, the Bank has established
a Financial Literacy and Credit Counseling (FLCC) centre
at Dharmapuri on 13.01.2009 and at Puducherry on
28.03.2009.
23
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ImVm| _| bJm`r J`r aH$_ . 388.36 H$amoS> h&
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VWm AmB~r Qy>a Ed Q>mdb godmAm| H$mo nma^ {H$`m h&
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dm{fH$
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{Obm| _| h_mao ~H$ Zo 80 n{VeV CnbpY XO H$s h& 2009-10 df Ho$ {bE, h_mao
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348
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25.62 n{VeV H$s d{ XO H$s&
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24
d`pVH$ IS> F$U

df Ho$ XmamZ, ~H$ Zo d`pVH$ IS> Ho$ F$Um| na Ho$pXV `mZ ~Zmò aIm& ~H$ Ho$
ha EH$ _S>b H$m`mb` _| (Hw$b 28) d`pVH$ IS> F$U Ho$ ggmYZ VWm _Oyar
hoVw IwXam ~qH$J Ho$X H$màV h& d`pVH$ F$U _| _w`V Jh F$U, dmhZ F$U,
d`pVH$ F$U, {ejm F$U, a|Q> EHo$e, BS> _mQ>JoO, [adg _mQ>JoO, VWm O_m/
EZEggr`m| Ogr {dVr` n{V^y{V`m na F$U em{_b h& 31.03.2009 VH$ Jh
F$U, Hw$b d`pVH$ IS> F$Um| H$m 53 n{VeV aho&
df Ho$ XmamZ, d`pVH$ IS> F$Um| _| Z`m {dVaU .4040.64 H$amoS> ahm& d`pVH$
IS> F$U Ho$ VhV _mM 2009 Ho$ AV _| ~H$m`m am{e .9664.14 H$amoS> ahr
{Og_| 22.95 n{VeV d{ XO H$s J`r ({nN>bo df .7860.25 H$amoS> n`m Wm)&
2008-09 Ho$ XmamZ Jh F$U Ho$ VhV XO H$s J`r df-Xa-df d{ .989.70
H$amoS> nò h (24.10 n{VeV)&
IS>dma F$U Omo{I_ ZrMo {X`m J`m h
(nE H$amoS>m| _|)
H$_ g.
CnmX
31.03.2009 VH$ F$U
Omo{I_
5096.58
1.
Jh F$U
220.20
2.
AmQ>mo_mo~mBb
12.99
Cn^moVm F$U
3.
441.25
4.
d`pVH$ F$U
1695.90
5.
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206.59
6.
aoQ> EZH$e
244.14
7.
BS> _moQ>JoO
2.79
[adg _moQ>JoO
8.
1743.70
9.
A`
9664.14
Hw$b
The Bank has also established RUDSETI Model Training

institutes named as Indian Bank Self Employment Training
Institute (IND SETI) at Salem on 25.03.2009 and at Puducherry
on 28.03.2009 for providing training to rural youth.
Lead Bank
Besides State Level Lead Bank responsibility in the Union
Territory of Puducherry, the Bank holds lead responsibility
in 13 districts (10 in Tamil Nadu, 1 in Kerala 2 in Andhra
Pradesh) for coordinating the efforts of all credit institutions
in the allotted districts/UT to increase the ow of credit to
priority sector.
With respect to achievement under Annual Credit Plan 200809, our Lead Districts have registered 70% as at the end of
Dec 2008. During the same period, the Bank in above Lead
Districts have registered an achievement of 80%. For the
year 2009-10, our Lead Districts have already launched the
District Credit Plans, with a total projection of Rs.22,075.20
crore, with an increase of 17.43% over the 2008-09 Plan.
FOREX BUSINESS
The Bank handled forex business turnover of Rs. 23,588
crore during the year. Of this, export and other inward
remittances amounted to Rs. 10,905 crore while imports and
other outward remittances amounted to Rs. 12,683 crore.
92 Branches are authorized to handle forex business, of
which 68 branches are provided with SWIFT connectivity.
The Bank has correspondent arrangements with 190 banks
in 69 countries.
348 branches are authorized to handle Foreign Currency
Non-Resident (FCNR) Accounts. Non Resident Indian (NRI)
Deposits as on March 31, 2009 amounted to Rs.3,242 crore.
Towards facilitating remittance facility for NRI community
worldwide, the Bank has two products named Xpress
Money and Money Gram. This is in addition to the existing
channels available for remittance to India in the form of DD
drawing arrangements with 3 prominent Exchange Houses
in the Middle East, internet based IndRemit platform for
NRIs in U.S.A and Speed Remit from Singapore besides
normal SWIFT based Money Transfer.
CREDIT FLOW TO SMALL AND

MEDIUM ENTERPRISES (SME)
The Bank achieved Rs.5,471 crore as on 31.03.2009 and
registered year-on-year growth of 25.62%.
SME CPUs have been established at 9 key centres at
Chennai, Mumbai, Kolkata, New Delhi, Ahmedabad,
Bangalore, Pune, Coimbatore and Kanchipuram for quick
and quality appraisal of SME proposals.
Fifty nine General Banking Branches across the country
have been identied for conversion into Specialised
SME Branches for focused attention and growth of

SME portfolio and approval for the same from RBI has
also been obtained. Two Specialised SME Branches are
already functioning in Peenya Industrial Estate, Bangalore
and Coimbatore.
Central Consultancy Cell has been set up at HO: SMEDD
to study the developments in Industrial and Govt. initiated
projects in different areas of the country and to provide
vital feed back to Circle Ofces.
The revised Restructuring Policy for SME borrowers has
been implemented and the Bank restructured 1934 SME
units and the amount involved in these accounts was
Rs.388.36 crore.
During the year the Bank has launched two new structured
loan products under SME viz., IB Caterers and IB Tours &
Travels to assist the SME service sector units in Catering
and Travel services.
PERSONAL SEGMENT LOANS

During the year, the Bank kept on its focus on Personal
Segment Loans. The Bank has a Retail Banking Centre at
each of its 28 Circle Ofces for processing and sanctioning
of Personal Segment Loans. Personal loans consist mainly of
Home Loans, Automobile Loans, Personal Loans, Education
Loans, Rent Encash, Ind Mortgage, Reverse Mortgage and
loans against nancial securities like Deposits / NSCs. As
of 31.03.2009, Home Loans constituted 53% of the total
Personal Segment Loans.
During the year, fresh disbursements in Personal Segment
Loans amounted to Rs. 4,040.64 Crore. The total amount
outstanding under Personal Segment Loans stood at
Rs.9,664.14 Crore at the end of March 2009 (Rs. 7,860.25
Crore in the previous year), registering a growth of 22.95%.
The year-on-year growth registered under Home Loan
during 2008-09 amounted to Rs.989.70 Crore (24.10%).
The segment wise exposure is given below:
(Rs. in Crore)
S.No
Product
Exposure
as on 31.03.09
Home Loan
5096.58
Automobile
220.20
Consumer Loan
Personal Loan
Education Loan
Rentencash
206.59
Indmortgage
244.14
Reverse Mortgage
Others
1743.70
Total
9664.14
12.99
441.25
1695.90
2.79
25
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26
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Tie-up Arrangements
During the year, a tie-up was made with Tata Motors for
nancing their Cars, including latest Nano Car Booking
Financing. A tie-up was also made with Reliance Capital
AMC for distribution of Reliance Mutual Fund products.
Bancassurance and Mutual Fund Business

The Bank has Corporate Agency Agreement with United
India Insurance Co. Ltd. (UIICO) to provide insurance cover
for the assets mortgaged to the Bank. Besides, the Bank has
Corporate Agency Agreement with HDFC Standard Life for
life insurance apart from Distribution Agreement with UTI
AMC and Reliance AMC for their mutual funds.
of Client Relationship Managers and Wealth Managers

interact regularly with HNI customers for all their nancial
needs. Upon stabilisation of the pilot phase, the Services are
envisaged to be rolled out to other potential centres, later
in 2009.
Depository Participant Services

The Depository Participant Services launched on 22.05.2006
are being offered through 300 branches as on 31.03.2009.
The Bank has a tie up with Indbank Merchant Banking
Services Limited for on-line trading facility for the customers
who can also have access through internet banking to view
their holdings.
ASSET QUALITY MANAGEMENT

Bank has Arogya Raksha Scheme in conjunction with
UIICO for providing group cover for its customers for health
insurance.
Product specic life cover is made available by way of
group cover from LIC for borrowers under Mortgage related
products and Educational Loans.
OTHER FINANCIAL PRODUCTS

IB Swarna Mudra Scheme
The Bank is in to the sale of Gold Coins and Bars since
24.03.2006. These products are available in 2g, 4g, 5g, 8g,
10g, 20g, 50g coins/bars currently at 1198 branches. Buoyed
by the response, the Point of Sale branches were increased
from 886 as of 31.03.2008 to 1198 as of 31.03.2009.
Consistent focus on quality assets along with prudent risk

management has improved the Banks asset quality. Under
NPA Management, the Bank focused on arresting the
slippages of standard assets to NPA category. In this regard,
the Bank took timely action, by identifying and monitoring
the Special Mention Accounts.
Bank continued the good performance in NPA Recovery
Management during the Financial Year 2008-09 as well.
Bank achieved an aggregate Global Recovery of Rs. 457.10
crore.
Of which, Contribution to Income was Rs 340.41 crore.
Bank has been proactive in recovering the money staked
in Stressed Assets.
Credit Card
The Credit Card of the Bank viz. IB Global Card and Bharat
Card for the common man with many insurance features
launched on 30.01.2006 and 24.03.2006 respectively is being
pursued aggressively. The Cards and related services are
priced competitively along with lower interest rate/insurance
cover/cash back reward points, etc. Bharat Card meets the
aspirations of common man and benets the large lower
income group population. Both the cards are well accepted
by the segments for which these are issued.
Wealth Management Services

The Bank launched Wealth Management Services (WMS)
on 7th February 2009 on a pilot basis in Chennai. Under
this, the Bank offers Financial Advisory Services to High
Networth Individuals (HNI) clients. Wealth Management
Services involve structuring of suitable nancial plans for
customers, depending upon their risk tolerance, life goals,
cash ows and investment horizon and also includes regular
monitoring and rebalancing of the clients portfolios. WMS
is a highly personalised service, wherein a dedicated team
All the fora available for the Bank, like Lok Adalat, DRT,
SARFAESI, Negotiated Settlement, Sale of assets to ARCs
have been effectively used for resolution of NPAs.
In tune with the emerging scenario of the economy, the
Recovery Policy was rened further and front ofcers
sensitized for scaling up recovery performance further.
OTS policy for small loans NPAs upto Rs 2.00 lakh was
implemented to address the issue of small loan NPAs.
Banks Gross NPA and Net NPA ratios have been
signicantly brought down and they are one of the best
in the industry.
RISK MANAGEMENT
The Bank has complied with the guidelines of the Reserve
Bank of India on creation of Risk Management architecture.
The Bank is BASEL II compliant w.e.f 31.03.2008. Bank has
geared up to maintain time schedule for moving towards
advanced approaches under BASEL II as suggested by RBI.
27
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h Ama Zr{V Ho$ AZwgma {V_mhr / AYdm{fH$ $ / dm{fH$ Vma na H$s OmZo okys
nH$Q>rH$aU ~H$ Ho$ do~gmBQ> / dm{fH$ [anmoQ> _| fn, tkrs h&
_mZd ggmYZ n~YZ
ò g{_{V`m ~moS> H$s Omo{I_ n~YZ g{_{V / ~moS> mam AZw_mo{XV gnyU {Xem{ZX}em|
Ed Zr{V`m| Ho$ VhV H$m` H$aVr h&
~H$ Zo Omo{I_ n~YZ hoVw {d{dY Zr{V`m ~ZmB h& C_dma Omo{I_ H$s g_rjm
H$aZo Ed ~H$ Ho$ g^r Omo{I_m| H$mo EH$sH$V H$aZo Ho$ b` go EH$sH$V Omo{I_ n~YZ
Zr{V cukbZ xbZ h& F$U Omo{I_ Zr{V, AmpV Xo`Vm n~YZ Zr{V, n[aMmbZm_H$
Omo{I_ n~YZ Zr{V H$mamo~ma {ZaVaVm `moOZm {d{Ob bmoà Zr{V, H$mnm}aoQ> JdZ}g
na Zr{V Am{X Ho$ _w` Omo{I_ Zr{V`m h&
Vrd n{VnYm_H$ CmoJ gaMZm Ed CgHo$ n[aUm_ d$n u;h cktkj xfrkhyrk
nksuksa gmQ> Ed hmS> XjVmvksa esa fujarj Kku lao/kZu ds tfj;s ekuo lalk/ku
lacaf/kr dk;Z dks vko;d cukrh gSA cSad ,d nh?kZ dkfyd ekuo lalk/ku
ifj;kstuk ds fuekZ.k ds fy, dMZ~ h {Oggo ha H$_Mmar H$s j_Vm, hH$ Ed
J[a_m H$mo nhMmZH$a EH$ AZwHy$b H$m` dmVmdaU ~Zm`m OmE&
_mZd epV pW{V
`h Omo{I_ n~YZ nUmbr Ama{^H$ Va na Omo{I_ H$s nhMmZ Ed g_rjm djus,

{ddoH$nyU gr_m Wm{nV H$aZo Ed {ZJamZr aIZo VWm ~XbVo hE Omo{I_ dmVmdaU
H$m gm_Zm H$aZo Ho$ {bE CZH$m n~Y H$aZo Ho$ {bE V`ma dh xbZ h& F$U JwUdVm
Ho$ _y`mH$Z H$ms gw{ZpMV H$aZo hoVw gmVosà go MbZo dmbm _y`mH$Z V Wm{nV
fd;k x;k h& ndoe ra dh _y`mH$Z nUmbr dh LFkkiuk Hkh dh xbZ gSA
nwZarjU n~YZ g{_{V F$U nwZarjU ra= ,oa _.k ys[kk ijh{kk dk;ksZa dh
vkof/kd :i ls leh{kk djrh gS( blds A{V[aV _mZH$ AmpV {ZJamZr g{_{V
_mZH$ AmpV`m| H$mo Ja-{ZnmXH$ AmpV`m| _| {\$gbZo go ~MmZo Ho$ {bE g_` na
H$madmB ew H$amZo hoVw {deof CoI ImVm| H$s g_rjm H$aVr h&
31.03.2009 H$mo ~H$ _| _mZd epV H$s pW{V {ZZ{b{IV h
gdJ
Hw$b
AO
AOOm
nwf
_{hbm
A{YH$mar
7755
1280
451
7061
694
{b{nH$
9145
2170
236
6328
2817
g~-Q>m\$
3014
1073
133
3005
Hw$b
19914
4523
820
16394
3520
^Vu Ed nXmoZ{V
VabVm Omo{I_ H$m n~YZ X{ZH$ AmYma na gaMZm_H$ VabVm Ho$ A``Z Ho$
O[aE n~YZ {H$`m OmVm h, {Ol ij {Z{Y Ed {Zdoe g{_{V _| MMm H$s Om ahr h
,oa ,,ylhvks }kjk fuxjkuh EEbgrAmo mam {ZJamZr H$s Om ahr _m{gH$ `mO
Xa gdoXH$ {dda{U`m| Ho$ O[aE H$s OmVr h& _` H$m`mb` Omo{I_ n~YZ {d^mJ,
IOmZm boZXoZ _m{ZQ>g H$mo dV $n go [anmoQ> H$aVr h& n[aMmbZm_H$ Omo{I_ H$m
n~YZ n[aMmbZm_H$ Omo{I_ nUmbr H$mo XZ{XZ n~YZ n{H$`m{d{Y _| EH$sH$V
H$aZo Ed {d{^Z Omo{I_ {ZdmaU aUZr{V`m| H$mo AnZmZo Ho$ mam {H$`m OmVm h&
{ddY CnmX/ n{H$`m Ho$ Omo{I_ ds X{>H$moU H$m ZOXrH$s go {dbofU {H$`m OmVm
h& F$U Omo{I_, VabVm Omo{I_ `mO Xa / {d{Z_` Xa Omo{I_ hoVw g_`-g_`
na Qo>g narjU {H$`m OmVm h&
AmV[aH$ nyOr n`mVm _y`mH$Z n{H$`m (AmBgrEEnr) na Zr{V ykxw dh xbZ h
{Oggo V^ II Ho$ AYrZ frekgh vk/kkj ij igpkus x;s foof/k ksk tksf[keksa
ds fy, cSad igpku / _mn djrk gS / iwath dk vkoaVu djrk gS AYdm{fH$
AmYma na nwZar{jV {H$`m OmVm h Ama n[a`moOZm H$mamo~ma pW{V Ho$ AmYma na
AJbo VrZ gmb Ho$ {bE _y`mH$Z ^r {X`m OmVm h&
28
mRrjkf/kdkj vk;kstuk ds ,d Hkkx ds :i esa cSad esa HkrhZ ,oa inksUufr dk

mnns~; cSad dh Hkkfo o`f) ,oa foLrkj ij vk/kkfjr gSA HkrhZ dh izfdz;k
u;k tksk ykus ds fy, rFkk vkxkeh dkjksckjh vko;drkvksa ds vuq:i
dk;Zdykiksa ds lHkh {ks= esa {kerk ,oa fuiq.krkvksa esa ifjorZu ykus ds fy,
Hkh dh tkrh gSA cSad ds nh?kZ vof/k ekuokfDr dks jksd j[kus ds fy,
lHkh LVkQ lnL;ksa dks dSfj;j izxfr dk izLrko fd;k x;kA eh?kz ifjorZu
ehy dkjksckj vko;drkvksa ds vuq:i cSad 700 fyfidh; LVkQ dh HkrhZ
djus dk izLrko gS
{d{dY n[aMm{bV joksa _| CH$frk nm H$aZo Ho$ {bE dV_mZ _mZd j_Vm H$mo g_PZo
Ed {Z`wV H$aZo Ho$ {bE, ~H$ Zo nhbo ~ma AmZbmBZ Anaogb {gQ>_ ew dh h
Ama {ddY Ho$S>am| Ho$ nXmoZ{V AmZ bmBZ Qo>Q> Ho$ mam gnZ gqbZ & `h n{H$`m ~H$
Ho$ mam {dH${gV H$s JB BZ hmCg gmQ>doà Ho$ mam laiUu gks x;k&
vtk / vttk deZpkfj;ksa gsrq dY;k.kdkjh mik;

gaH$ma ds {Xem{ZX}em| Ho$ AZwgma, lh/kh HkrhZ vkSj vkarfjd inksUufr;ka] HkrhZ iwoZ
,oa inksUufr iwoZ izfe{k.k vtk /vttk deZpkfj;ksa dks fn;k tkrk gSA
An independent Risk Management department is functioning

for effective risk management enterprise wide. Risk is
managed through following three Apex committees viz.,
Board on a half yearly basis and assessment for the next

three years is also provided based on projected business
position.
(i) Credit Risk Management Committee (CRMC)
In compliance with the Reserve Bank of India guidelines on

Basel II Pillar 3 Market Discipline, the Bank has put in
place a Disclosure Policy duly approved by the Board and
the disclosures on Quarterly / Half-yearly / Annual basis
as per the policy are made in the Banks Website / Annual
Report.
(ii) Asset and Liability Management Committee (ALCO) and

(iii) Operational Risk Management Committee(ORMC)
These committees work within the overall guidelines and
policies approved by the Risk Management Committee of
the Board / Board.
The Bank has put in place various policies to manage
the risk. To analyse the risk enterprisewide and with the
objective of integrating all the risks of the Bank Integrated
Risk Management Policy has also been put in place. The
important risk policies comprise of Credit Risk Policy,
Asset and Liability Management Policy, Operational Risk
Management Policy, Business Continuity Planning, Whistle
Blower Policy and Policy on Corporate Governance.
The risk management systems are in place to identify
and analyse the risks at the early stage, set and maintain
prudential limits and manage them to face the changing risk
environment. Software driven rating mechanism is in place
to conrm the rating to ensure credit quality. An entry level
scoring system is also put in place.
Loan Review Management Committee reviews the Loan
Review Mechanism and Credit Audit functions periodically.
In addition, Standard Assets Monitoring Committee reviews
the Special Mention Accounts to initiate timely action to
prevent slippage of standard assets to non-performing
assets.
The liquidity risk is managed through studying structural
liquidity on a daily basis, which is being discussed in the
Funds and Investments Committee and reviewed every
month by ALCO .The interest rate risk is managed through
monthly interest rate sensitivity statements monitored by
ALCO. The mid ofce, directly reporting to Risk Management
Department, monitors treasury transactions independently.
Operational risk is managed by integrating the operational
risk management systems into day to day management
processes and adopting various risk mitigating strategies.
The risk perception in various products / procedures is
critically analysed. Stress tests are conducted periodically
for the credit risk, liquidity risk and interest rate/exchange
rate risk.
Policy on Internal Capital Adequacy Assessment Process
(ICAAP) is put in place whereby the Bank identies/measures
and allocates Capital for various residual risks identied
under Pillar II on quarterly basis and is reviewed by the Board
half yearly. The CRAR position of the Bank is reviewed by the
HUMAN RESOURCES MANAGEMENT

An intensely competitive Industry Structure and the resultant
new market dynamism necessitate leveraging HR through
constant upgradation of knowledge both in soft and hard
skills. Bank is committed to a long term HR Plan for creation
of a congenial working environment duly recognizing the
talents, rights and dignity of each employee.
Manpower Position
The position of manpower in the Bank as on 31.03.2009 is
as follows:
CATEGORY
TOTAL
SC
ST
MALE
FEMALE
OFFICERS
7755
1280
451
7061
694
CLERKS
9145
2170
236
6328
2817
SUB STAFF
3014
1073
133
3005
TOTAL
19914
4523
820
16394
3520
Recruitment and Promotion

As a part of succession planning, recruitment and promotion
in the Bank are aimed at the future growth and expansion of
the Bank. Process of Recruitment is carried out periodically
to inject fresh blood and also to infuse variety in skills and
talents in all elds of activities to suit emerging business
needs. In tandem with the long term man-power planning
process of the Bank, for retaining talented man-power,
career progression was offered to all members of staff.
Bank proposes to recruit 700 clerical staff to align with the
fast changing business needs.
To identify and deploy the existing Human Potential to
achieve excellence in varied operational areas, the Bank has
for the rst time put in place an On-line Appraisal System
and promotions to various cadres are effected through Online Tests. The process has been set in motion through an
In-House Software developed by the Bank.
Welfare Measures For SC/ST Employees

As per Government guidelines, during the process of Direct
Recruitment and Internal Promotions, Pre-recruitment and
Pre-promotion trainings are offered to SC/ST employees.
29
_m{gH$ ~R>H|$ vk;ksftr dh xbZ ,oa tks Hkh fkdk;rsa Fkh mlh le; mUgsa
lqy>k;k x;k& `h H$j AOm / AOOm H$_Mm[a`m| H$s {eH$m`Vm| / A`mdoXZm| H$m
erK {ZnQ>mZ ^r gw{ZpMV H$aVm h& _hm n~YH$ Ho$ aH$ _| EH$ _w` gnH$ A{YH$mar
H$mo ^r Bg n`moOZmW Zm{_V {H$`m J`m h&
XjVm H$m CZ`Z
~H$ Ho$ n{ejU ~w{Z`mXr gw{dYmAm| _| Q>m\$ H$mo n{ejU nXmZ Ho$ {bE MoZ _| o`f)
,oa mRdfkZ gsrq bafM;u cSad izca/ku vdkneh uked ,d vR;k/kqfud izfe{k.k
dkWyst xfBr fd;s x;s gSa] tgka ij LVkQ ,oa vf/kdkjh viuh n{krk dk
mUu;u dj ldrs gSaA
~H$ mam ~ZmB JB B boquJ ij ,d Lopkfyr gmQos>à gksLV dh x;h gS
ftls LVkWQ/vf/kdkjh fofHkUu fof;ksa ij iqLrdky; ls ijs laiw.kZ izfk{k.k
dk izca/ku ,oa fofHkUu fof;ksa ij Kku vtZu dj ldrs gSaA
Ammo{JH$ g~Y
gSA flrEcj 2008 ls ek la iz foHkkx us ,pvkj vkfDVo&bV bZl uke ls

,d x`g if=dk kq: dh gSA
ggXr` g{_{V`m| H$m gXeZ
ofZ 2008&2009 ds nkSjku fuEufyf[kr lalnh; lfefr;ka vk;h Fkh] ftu
ds fy, cSad us uksMy ,tsUlh ds :i esa dke fd;kA
1
24.05.2008 go 30.05.2008 VH$ CXH$_S>b_ _| AYrZW
{dYmZ na ggXr` g{_{V(am` g^m)
2
01.07.2008
go 03.07.2008 VH$ MoZo _| AYrZW {dYmZ na
ggXr` g{_{V
3
14.09.2008 go 19.09.2008 VH$ nwXwoar Ed MoZ _| AYrZW

{dYmZ na ggXr` g{_{V (am` g^m)
Cn`wV Ho$ Abmdm, {ZZ{b{IV ggXr` g{_{V`ma df 2008-09 Ho$

nkSjku vk;h Fkh vkSj buesa cSad ,d izfrHkkxh laxBu jgkA
1
01.06.2008
22.06.2008
go 04.06.2008 VH$ MoZ _| CmoJ na ggXr`
g{_{V
cSad dk mPp izca/ku deZpkjh ;wfu;u] vf/kdkjh vlksfl,ku ds usrkvksa ls
ckrphr djrk gS mudh izfrfdz;k ldkjkRed gS] ftlds QyLo:i ofZ
ds nkSjku okafNr o`f) gqbZ ,oa vkS|ksfxd laca/k lkSgknZiw.kZ jgsA
EgEnr
;g lfdz; ,pvkj gmQ>doà Om ~H$ mam n`moJ fd;k tk jgk h ] g^r _S>bm|
/ emImAm| H$mo _mZd ggmYZ H$m`m| dk lek/kku djus gsrq MkVk iqu% izkIr
djus esa rFkk fuckZ/k lsok iznku djus esa vR;ar mi;ksxh jgk gSA inksUufr]
Q>m\$ Ho$ AmZ ykbu ^{d` {Z{Y F$U {dVaU Ogo _hdnyU jom| esa Hkh ,l,ih
dks ,d fu.kZ; leFkZu flLVe ds :i izHkkoh iz;ksx fd;k tkrk gSA
laiw.kZ dk;Zny dks izkS|ksfxdh; mUufr iznku ds ,d mik; ds :i esa rFkk
,pvkj lacaf/kr eqn~nksa dk dkxt jfgr lalk/ku dk y{; izkIr djus vkSj
ekxZLFk le; dks de djus gsrq> BaQmZoQ> ds }kjk ekuo lalk/ku izca/ku ds
fy, ,d O;kid osclkbV gksLV fd;k x;k gSA
Q>m\$ H$`mU Cnm`
~H$ H$s Ho$Xr` H$`mU g{_{V Zo {d_mZ Q>m\$ H$`mU `moOZmAm| _| mYys[kuh;
lq/kkj yk;k gSA ~H$ Zo 45 df ls A{YH$ vk;q Ho$ H$_Mm[a`m| Ho$ {bE EH$ _mQ>a
dm` OmM ew dh h Ama godm {ZdV H$_Mm[a`m| Ho$ {bE .1.00 bmI nò ds
dh ,d O;kid esMhDyse ikfylh ew dh gSA
_hm n~YH$ Ho$ aH$ Ho$ eq[; laidZ A{YH$mar Ho$ _mJXeZ _| _m g n {d^mJ _|
H$màV AOm/AOOm H$j AOm/AOOm H$_Mm[a`m| dh {eH$m`Vm| / vH;konuksa
dk le; ij fuiVku lqfufpr djrk gSA
Jh n{H$m
,d egRoiw.kZ izHkkoh nqrjQk lalwpuk cukus gsrq tks laxBu ds fy, vfr
egRoiw.kZ gS vkSj Kku ckaVuk] izxfr dk tk;tk ysus] ifjlhek,a tkuus]
vlQyrkvksa ls lh[kus] leL;kvksa dks lek/kku djus] izksRlkgu ,oa leFkZu
nsus gsrq cSad baM best uke ls ,d =Sekfld x`g if=dk izdkfkr djrk
30
3
4
go 24.06.2008 VH$ MoZ _| H$m{_H$ gmdO{ZH$

{e`H$Vm|, {d{Y Ed `m` na ggXr` g{_{V
21.08.2008 go 25.08.2008 VH$ MoZ _| g\$mB H$_Mmar Am`moJ
29.09.2008 go 01.10.2008 VH$ MoZ _| CmoJ na ggXr` Wm`r
g{_{V
JmhH$ godm
bl ofZ Ho$ nkSjku Hkh JmhH$ godm Ed \$[a`mX / {eH$m`Vm| Ho$ {ZdmaU ij mPpre
/;ku fn;k tkuk tkjh jgkA cSad ds ,d nUmbr~ \$[a`mX / {eH$m`V
{ZdmaU ra= ds gksrs gq, ek[kkvksa dks xzkgd lsok ds egRo gsrq izsfjr fd;k
x;k ,oa mUgsa ;g funsZk fn;k x;k fd os ek[kk Lrj ij d[a ukxfjdksa
dks izkFkfedrk nsrs gq, xzkgdksa dks ekfey djkdj xkzgd lsok lfefr
cuk,A cSad vfxze iafDr LVkQ lnL;ksa dks izsfjr djus gsrq] mUgsa lwfpr
fd;k x;k fd os dkmaVjksa ij xzkgdksa dh vko;drkvksa dks rRdky ,oa
O;fDrxr :i ls /;ku nsaA cSad ds LVkQ dkWyst best ,oa vU; izfk{k.k
dsUnzksa }kjk vk;ksftr fofHkUu izfk{k.k dk;Zdzeksa esa xzkgd lsok ij ,d
l= ekfey fd;k x;k gSA
^maVr; ~qH$J H$moS> Ama emZH$ ~moS> (~rgrEg~rAmB) Ho$ gX; hmoZo Ho$ H$maU heZo
AnZo JmhH$m| Ho$ {V {V~Vm H$s h {H$ he CZHo$ gmW hemao g^r H$mamo~mam| e| m{MV
Ed ;km;gJV H$m;Umbr AnZmEJo VWm gw{ZpMV H$a|Jo {H$ JmhH$m| H$o gmW hemao
H$mamo~ma, BemZXmar Ama nmaX{eVm Ho$ Z{VH$ qgmVm| na AmYm[aV hm|Jo&
heZo emBH$mo Ama bKw Cem| Ho$ {V ~H$ H$s {V~Vm H$m H$moS> ^r AnZm {b;m h
Ama V Ed Xj F$U godm gwnwXJr XmZ H$aZo H$s {V~Vm H$s h&
~H$ Ho$ JmhH$m| H$mo heZo JmhH$m| Ho$ {V ~H$ H$s {V~Vm H$m H$moS> XmZ
{H$;m h Ama XmoZm| H$moS>, XeH$m| H$s OmZH$mar Ho$ {bE hemar do~gmBQ>
www.indianbank.in e| nmoQ> {H$; J;m h&
Periodical Quarterly Meetings are conducted and grievances

if any are resolved then and there. The Cell also ensures
prompt disposal of grievances/representations of SC/ST
employees. A Chief Liaison Ofcer in the rank of General
Manager is nominated for this purpose.
progress, know limitations, learn from failures, solve

problems, innovate and support, the Bank publishes quarterly
house journal IND IMAGE. HRM Department has launched
a House Magazine HR Active-it is from September 2008
onwards.
Upgradation Of Skills
Visit of Parliamentary Committees
The Banks training infrastructure constitutes the State-ofthe art Training College by name Indian Bank Management
Academy for Growth and Excellence and 8 Staff Training
Centres across the country enabling the staff and the ofcers
to upgrade their skills.
The following Parliamentary Committees had arrived during

the year 2008-09 for which the Bank acted as the Nodal
Agency.
An automatic software on e-learning enabling the staff /

ofcers to manage their entire training from off-the-shelf
library on various topics and to gain knowledge in various
elds is hosted by the Bank.
Industrial Relations
The Top Management of the Bank interacts with leaders of
Employees Unions, Ofcers Associations and their response
is positive resulting in desired growth and harmonious
industrial relations during the year.
SAP
This robust HR Software being put in use by the Bank has
been immensely useful in the retrieval of data and providing
uninterrupted service to all Circles/Branches addressing all
HR functionalities. SAP is also effectively used as a decision
support system in critical areas like promotion, On-line PF
Loan disbursal to staff etc.
As a measure of extending
technological advancement to the entire workforce and
in aiming to achieve a paperless processing of HR related
issues and reducing the transit time, a cohesive website for
Human Resources Management through intranet has been
hosted.
Staff Welfare Measures

The Central Welfare Committee of the Bank has made
notable improvements to the existing welfare schemes for
the employees. Bank has introduced a master heath checkup for employees above 45 years of age and also introduced
a comprehensive mediclaim policy to the retired employees
by providing a cover of Rs. 1.00 Lakh.
The SC/ST cell functioning at HRM Department ensures
prompt disposal of grievances/representations of SC/ST
employees under the guidance of a Chief Liaison ofcer in
the rank of General Manager.
House Magazine
To build up an effective two way communication which is
vital for the organisation and to share knowledge, gauge
1. Parliamentary Committee (Rajya Sabha) on Subordinate

Legislation to Udagamandalam from 24.05.2008 to
30.05.2008.
2. Parliamentary Committee on Subordinate Legislation to
Chennai from 01.07.2008 to 03.07.2008.
3. Parliamentary Committee on Subordinate Legislation
(Rajya Sabha) to Puducherry and Chennai from 14.09.2008
to 19.09.2008.
Apart from the above the following Parliamentary Committees
had arrived during the year 2008-09 for which the Bank is
one of the participating organizations.
1. Parliamentary Committee on Industry to Chennai from
01.06.2008 to 04.06.2008.
2. Parliamentary
Committee
on
Personnel
Public
Grievances, Law and Justice to Chennai from 22.06.2008
to 24.06.2008.
3. National Commission for Safai Karamcharis to Chennai
from 21.08.2008 to 25.08.2008.
4. Parliamentary Standing Committee on Industry to Chennai
from 29.09.2008 to 01.10.2008.
CUSTOMER SERVICE
Customer Service and redressal of complaints/ grievances
continued to receive the highest focus during the year
too. With a systematised complaint/ grievance redressal
mechanism in the Bank, branches were sensitised on the
importance of customer service and were also directed to
strengthen the Branch level customer service committee
by including customers, preferably senior citizens. With a
view to motivating the Banks front line staff members, they
were advised to attend to customers requirements across
the counter, promptly and with personal care. A session on
customer service has been included in the various training
programmes conducted by Staff College (IMAGE) and other
training centers of the Bank.
Being a member of Banking Codes and Standards Board of
India (BCSBI), we have made a commitment to our customers
that we would act fairly and reasonably in all our dealings
31
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gq, psUuS uxj dh ek[kkvksa ds fy, isaku vnkyr vk;ksftr fd;k x;k]
ftldks isakujksa us gkfnZd :i ls Lohdkj fd;kA cSad ds bfrgkl esa igyh
ckj fnlacj 2008 ,oa tuojh 2009 ds nkSjku] VI osru dehku ds rqjar
ckn izkr% 7-00 ls eke 9-00 rd dke djus okyh ,d vuU; Vksy Qzh uacj
ds lkFk isaku fkdk;r MsLd LFkkfir fd;k x;kA iskujksa dks dzsfMV dkMZ
iznku djus ,oa eagxkbZ HkRRkk lakks/ku ,oa vU; jkgr dks rRdky iznku
djus gsrq dsUnzhd`r isaku lalk/ku dsUnz iku bafM;k LFkkfir fd;k x;kA
JmhH$ gVw{> gd}

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n~Y {ZH$m` Ho$ {ZX}e na B_oO Zo ^r Mbm`m& 76 n{VeV go `mXm JmhH$m| Zo h_mao
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Jar~m| Ho$ {bE Enr gaH$ma Ho$ `moOZm B{Xa_m hmCqgJ H$s_ Ho$ VhV Ho$
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32
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1932
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^mJrXmar h& {dXoer _wXm ~qH$J BH$mB (E\$gr~r`y), H$mob~m|, Am\$emoa ~qH$J
n[aMmbZ _| gb h&
with them and would ensure that our dealings with the
customers rest on ethical principles of integrity and
transparency.
We have also adopted the Code of Banks Commitment to
Micro and Small Enterprises and given a commitment for
providing speedy and efcient credit service delivery.
Customers of the Bank are provided with a copy of the
Code of Banks Commitment to customers and both the
Codes are also ported in our website www.indianbank.in for
information to viewers.
For the rst time in the history of the Bank, a pension
adalat was conducted by the Bank in Chennai covering all
branches in Chennai city, which was well received by the
pensioners. Also rst time in the history of the Bank, a
Pension Grievance Desk was established during December
2008 and January 2009, immediately after implementation
of VI Pay Commission with an exclusive toll free number
between 7.00 am and 7.00 pm to attend to more than
1000 pensioners during the above period. Pensioners have
appreciated the efforts taken by Bank for senior citizens.
Centralised Pension Processing Centre established covering
PAN INDIA for affording credit to all the pensioners and to
give instantaneous effect of revision in dearness and other
relief.
The following measures were also initiated during the period
for the benet of customers:
Utility bill payment made easier under tie up with AP
Online for the customers of the Bank in Andhra Pradesh.
Payment of electricity bills of TNEB for customers of
Chennai through net-banking.
Electronic disbursement of scholarship for AP government
for students.
Electronic transfer of funds to the beneciarys account
under AP Govt. Scheme Indiramma Housing Scheme
for poor.
Coin vending machines established in religious places.
E- payment facility extended to OLTAS customers,
Guruvayur Devoswom.
To ensure that customers derive the benet of usage of
electronic payments and to create awareness FAQs on
RTGS, NEFT, ECS have been placed on Banks website.
The transactions under RTGS and NEFT have improved
substantially. In case of NEFT, the growth was 664% and
in RTGS, the growth was 270%. The target set for NEFT
outward transactions has been surpassed.
Soiled note exchange melas conducted in many places

Tied up with number of private, public, foreign banks for
correspondent banking arrangements.
Enlisted corporates for Cash Management System Plus
arrangements.
Customers Meet arranged at 701 branches during the year
and most of the suggestions emanated from the survey
conducted by the Bank were implemented.
Customer Satisfaction Surveys

Surveys have been conducted by Customer Service Cell on
the directions of Customer Service Committee of the Board
and also by IMAGE on the directions of the Governing Body
of the Bank. More than 76% of the customers have given
Excellent/ Very Good rating on our services.
IBA on the directions of their Managing Committee,
conducted a survey through M/s Gallup India (P) Ltd., in 53
member banks. Customers rated the Bank FIRST in Retail
Banking and SECOND in Savings Account.
Right to Information (RTI) Act

A separate desk attached to customer service cell is
handling the requests and appeals received by the Bank
under the RTI Act. Since the inception, the Bank is adopting
a single window approach which has been suggested by
Parliamentary Committee on implementation of RTI Act.
The Bank received 965 applications and 146 Appeals under
RTI Act during the period 2008-09. All the applications were
disposed of within the stipulated time frame.
INTERNATIONAL OPERATIONS
The Bank has two foreign branches located at Singapore
and Colombo. Total Deposits and Advances (gross) of the
overseas branches as on 31.03.2009 was Rs.2,923 crore and
Rs.2,969 crore respectively.
Singapore branch, established in 1941, has carved a niche
in offering a variety of banking services using the latest
technology and enjoys enormous goodwill and customer
loyalty. The branch is presently maintaining its business
in two accounting units, Domestic Banking Unit (DBU) for
Singapore Dollar business and Asian Currency Unit (ACU)
for business in currencies other than Singapore Dollar.
Colombo branch, established in the year 1932, has active
market presence extending trade nance.
The Foreign
Currency Banking Unit (FCBU), Colombo is engaged in offshore banking operations.
33
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AmnXm {ZdmaU A`mg
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OrnrAmaEg Am{X brg bmBZ Ho$ Ogo ~h_wmr gnH$ Wm{nV {H$`m h&
62
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EZS>rEg, grE\$E_Eg
EQ>rE_
nW_ A`mg
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14.08.2008
25.01.2009
08.11.2008
.......
29.09.2008
25.01.2009
JmhH$ Ho$ ykHkkFkZ H$m`H$bmnm| H$m Ho$XrH$aU

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n`moJ H$aVo hE lekkks/ku n[aMmbZksa dks dsUnzhd`r {H$`m J`m h&
amoq_J ImVm gw{dYm - _pQ>{gQ>r MoH$ VWm drn gw{dYm mam
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gw{dYm&
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d` godm g_yhm| (EgEMOr) Ho$ {bE 24X7 godmE ~T>mZo hoVw 22

~`mo_o{Q>H$ EQ>rE_ [kksys x,& ~H$ mam nd{VV g`wV ImVm YmaH$m| mam
EQ>rE_ ifjpkyu loZizFke izofrZr fd;k x;k] ftl ls Lo;a lsok
lewgksa ds fy, 24 KQo> EQ>rE_ godm,a nXmZ dh tk ldsa&
2008-09
Ho$ XmamZ n`moVm dk ekxZnkZu djus Ho$ {bE EQ>rE_m| _|

dm`g BQ>a\o$g H$m nmdYmZ {H$`m J`m h&
26.44 bmI Ho$ _sQ>mo ~mSsM> H$mS>m} g{hV ~H$ Ho$ EQ>rE_ H$mS>-~og 31.72
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JB h& AmnXm {ZdmaU gmBQ> H$mo iznRr H$ZopQ>{dQ>r VWm hmS>dmà H$mo AnJoS> {H$`m
J`m h rkfd fyad fjMaMsUlh rFkk midj.k fjMaMsUlh izkIr gks ldsA
bmI h&
34
INFORMATION & COMMUNICATION

TECHNOLOGY
IT plays the part of an enabler in the true sense of the word
in todays market conditions and facilitates organizations to
stay ahead in a highly competitive environment. Technology
savvy service providers are better placed in providing quality
customer service and retain customer loyalty. Technology
empowers operational efciency. By leveraging Technology
a mosaic of products could be introduced to meet the
Banking requirements of different segments of banking
public.
Various IT initiatives were taken by the Bank during 2008-09
keeping in view the need to be competitive and to meet the
requirements of existing as well as potential customers of
the organization.
Core Banking Solution

All the 1642 branches and 66 Extension counters in India
are now on CBS.
Both the overseas branches at Singapore & Colombo have
been connected to CBS network.
Bank has adopted versatile approach for ensuring
uninterrupted connectivity like Leased line with ISDN
Back-up, VSATs. , GPRS etc.
CBS implemented in 62 administrative ofces (including
departments in Head Ofce, Circle ofces, IMAGE, STCs,
Inspection Centers, Stationery Departments, etc.).
All the 28 Circle Ofces and IMAGE have Video
Conferencing facility.
Services available to customers under CBS

Roaming Account Facility Through Multicity cheques &
Sweep facility.
Cash Management Services.
Inward remittance facility in all CBS branches through
Moneygram Xpressmoney etc.
E-payment for Central Excise collection; Payment of
Customs Duty, Service Tax through Internet Banking.
Depository Services made available at 300 branches at
select centres.
Interbank remittance facility through RTGS, National
Electronic Funds Transfer.
Payment of fees / charges to Registrar of Companies.
IND CORP NET BANKING (Corporate Internet Banking)
facility extended to corporate customers.
Live data replication is done between Data Centre and Disaster

Recovery Site. The connectivity as well as the hardware
provided to DR site has been upgraded so as to have link
redundancy as well as equipment redundancy.
Disaster Recovery (DR) Drill

In accordance with RBI guidelines, Disaster Recovery drills
for the critical system have been conducted two times in the
period 2008-09 as per details below:
System
Ist Drill
2nd Drill
Core Banking Solution

& Internet Banking
14.08.2008
25.01.2009
RTGS, NDS, CFMS by RBI
08.11.2008
-----
ATM
29.09.2008
25.01.2009
Centralization of Activities for

customer benet
ATM Service Centre: Centralized ATM Service centre
established to take care of reconciliation, accounting and
redress customer grievances regarding ATM transactions.
Centralized Pension Processing:
Processing successfully implemented.
Centralized
Pension
Centralized Deposit Processing Centres: Specialized branches

established at Chennai, Bangalore, Delhi and Mumbai Circles
for processing of applications for opening of accounts, issue
of statement of accounts, issue of cheque books, etc.
Centralized clearing operations: Outward clearing operations
have been Centralized in all Service Branch locations. Inward
clearing Operations have been centralized in Chennai and
Delhi using in house software.
Centralized Storage of TBC data: In house program has
been developed for conversion of erstwhile TBC data into
Oracle & centralized storage. Web-based software has also
been developed for generation & downloading of Statement
of Account by branches.
ATMs:(Automated Teller Machines)

755 ATMs (Including 205 offsite ATMs) are in operation. All
ATMs are interconnected for online ATM transactions.
22 biometric ATMs opened for extending 24x7 services to
Self Help Groups (SHG). ATM operations by Joint Account
holders introduced rst by the bank, enabling round the
clock ATM services for SHGs.
Voice interface provided in ATMs installed during 2008-2009
guiding the user.
ATM card-base of the Bank is 31.72 lakh including Maestro
branded cards of 26.44 lakh.
35
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gyMZm nUmbr gwajm
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36
,d AbJ gyMZm nUmbr gwajm {d^mJ H$s WmnZm H$s JB h&
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fd, x,&
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ZoQ>dH$ BQ>eZ amoH$ nUmbr (EZAmBnrEg), hmoQ> BQ>eZ {S>Qo>eZ nUmbr
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{H$`m J`m h&
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ifj`moOZm Ho$ EH$ Ae Ho$ $n _| AmpV Ama nM n~YZ g_mYmZ H$m`mpdV
h {Oggo Amd`H$ nMmbZ nUmbr nMm| H$mo nMwa _mm _| n`moJ H$aVo hE
H$`yQ>a hmS>dmà/ AmpV`m| H$m nhMmZ, Q>mH$ AZwajU {H$`m Om gH$Vm
The Maestro cards can be used in the Mastercard branded

Point of Sale terminals internationally.
All the Maestro, Cirrus and MasterCard branded cards
can be used in the ATMs for balance enquiry and cash
withdrawal.
More than 32000 ATM are available to the customers
Consortium arrangements with other banks.
Collection of fees for Vellore Institute of Technology (VIT),
Ramakrishna College, Coimbatore and GRD Matriculation
School, Coimbatore; booking of air tickets for Kingsher
Airlines and booking of railway tickets through IRCTC are
enabled through the ATM by using the Banks ATM card /
Debit card.
ATM installed at 45 Railway Stations, of which ATM with
Kiosk(for online reservation of train tickets) installed at 32
Railway Stations.
Collection of Electricity Bill charges of TNEB through
internet enabled from 04/01/2009.
Other initiatives
GPRS (General Packet Radio Service) channel used for
connecting of online ATM. 29 offsite ATM locations are
connected through GPRS. GPRS channel is provided as
backup connectivity for leased line in lieu of ISDN / PSTN
(wired channel) at 64 branches.
The Bank has implemented FinDNA - software developed
by M/s. TCS Ltd as an upgrade to the CBS software, for
AML monitoring. As of now, AML implemented in 1571
CBS branches and it will be extended to other CBS
branches shortly.
The Bank is one of the 5 banks identied to implement
MCA21 programme for Ministry of Company Affairs. 17
Branches of the Bank have been identied by MCA for
collection of fees.
The Bank has been authorized by AP Online for payment
of Electricity Bills, Water Tax, Property Tax, Trade License,
LIC premia, etc., by the customers using Internet Banking
services.
Common Gateway Server established at the HO RTGS
Cell and connected to INFINET through both leased line
and VSAT. This is the common gateway for all interbank, Systemically Important Payment System (SIPS)
applications developed by Reserve Bank of India.
The following interbank applications like Negotiated
Dealings Settlement System (NDS),Real Time Gross
Settlement System (RTGS),Structured Financial Messaging

Solution (SFMS),Centralised Funds Management System
(CFMS),Collateralised Borrowing and Lending Obligations
(CBLO) SW , FXClear for Foreign Exchange operations,
National Electronic Funds Transfer (NEFT) ,On-line Tax
Accounting System (OLTAS), Electronic Accounting
System in Excise and Service Tax (EASIEST), implemented
in all designated branches.
Electronic Clearing Service ECS both debit and credit
enabled in all CBS branches.
Electronic Data Interchange (EDI): EDI between Harbour
branch and Chennai Sea Customs (for payment of import
duty and disbursement of duty drawback amounts) and
between Port Trust Chennai (for payment of shippers
charges) and Harbour branch have been implemented
and running successfully. EDI also implemented with
Hyderabad Inland Container Depot, Cochin Airport, Airport
Chennai and Visakhapatnam Port Trust for collection of
customs duty.
Cheque Truncation Project: The Bank has implemented
Cheque Truncation System in NCR Delhi on pilot basis.
All the Banks in NCR are participating in CTS. All the 53
branches in NCR are participating in CTS.
Touch Screen Kiosks for Information Dissemination: Bank
has installed Touch Screen Kiosk with bi-lingual option on
pilot basis at 7 branches for dissemination of information
to the customers / public.
Web based Loan application status query and response
facility introduced for loan applications of Rs.10 lakh and
above.
Information Systems Security
Separate Information Systems Security Department has
been established.
IS audit of Core Banking Solutions software, Network
infrastructure of the Bank, Internet Banking and ATM
network has been done by external agency M/s Paladion
Networks P Ltd.
Guidelines issued to observe Computer Security on ongoing basis.
Security Operation Center (SOC) housed at HO: TMD
for monitoring of all the existing and proposed security
devices on a 24x7x365 basis. Under this project Firewalls,
Network Intrusion Prevention System (NIPS), Host
Intrusion Detection System (HIDS) have been deployed
in CDC and DR site.
37
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38
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& ~H$ Zo EH$ Kaoby OmM H$aZo H$s {d{^Z nhbwAm| H$mo em{_b H$aVo hE EH$ e{jH$
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Implementation of Asset and Patch Management Solution:

As part of the enterprisewide security project, the Asset
and Patch Management Solution is being implemented,
through which the computer hardware / assets can be
identied, tracked and maintained by deploying the
necessary operating system patches. For deploying this
solution, servers have been installed in the Circle Ofces
as relay points being the network convergence point for
the branches in each of the circles.
MANAGEMENT INFORMATION SYSTEM

To derive full benet of automation through 100% Core
Banking Solution, the M I S Department has been providing
various reports/data for furnishing to different agencies
and departments. Further, valuable information is being
provided for decision making process. Internally the MIS
acts to relieve the various tiers from preparation of data.
Ultimately the accent is to push applications further and
maximize fruits of technology.
INTERNAL CONTROLS
During the year, Risk Based Internal Audit was carried out in
1304 branches. In addition 1760 Information Systems Audit
and 1646 ATM Audit was carried out, as some branches
were subjected to two or more I S Audit/ATM audit. Credit
audit covering 376 accounts and Revenue audit covering
all branches with credit exposure of Rs. 2 crore and above
were carried out. Management audit of 28 Circle Ofces, 3
subsidiaries and various departments at Head Ofce were
completed. Time Management Audit of credit proposals
handled in all Circle ofces / Retail Banking Segment (RBS)
centres for better turnaround time in sanction / disposal of
credit proposals, was carried out. Information Systems
(IS) Audit of Information & Communication Technology (ICT)
infrastructure CBS application suite, Data Centre and CBS
Project ofce was carried out by an external audit rm.
CONSTRUCTION OF NEW HEAD OFFICE

BUILDING AT ROYAPETTAH, CHENNAI
The Bank proposes to construct a modern Hi-Tech
Ofce building in the land owned by it at Royapettah,
Chennai, to meet the requirements of its growing business.
The foundation stone for the new building was laid by
Shri. P. Chidambaram, Union Home Minister on 9th July
2008, in the presence of the Chairman and Managing
Director, Shri. M.S. Sundara Rajan and Executive Director,
Shri. A. Subramanian, distinguished guests and valuable
customers of the Bank.
The new building is designed for a builtup area of 1.85
lakh sq.ft having Basement+Ground+3 upper oors. The
building is also designed to have 2 additional upper oors
in future.
COMPLIANCE FUNCTION IN THE BANK

The Bank has Compliance Policy duly approved by the Board.
In accordance with the Reserve Bank of India guidelines,
an independent Compliance Department headed by a
Deputy General Manager has been set up in the Bank. The
Department monitors adherence to various statutory and
regulatory guidelines governing the Banks functioning:
Various legislations such as Banking Regulation Act,
Reserve Bank of India Act, Foreign Exchange Management
Act, Prevention of Money Laundering Act etc.
Regulatory guidelines issued by Reserve Bank of India (RBI),
Securities and Exchange Board of India (SEBI), Insurance
Regulatory and Development Agency (IRDA) etc.
Voluntary standards and codes prescribed by industry
Associations such as Indian Banks Association (IBA),
Banking Codes and Standards Board of India (BCSBI),
Foreign Exchange Dealers Association of India (FEDAI),
Fixed Income Money Market Dealers Association
(FIMMDA) etc. and
The Banks internal policies, codes of conduct, guidelines
etc. issued by way of Circulars, manuals etc.
VIGILANCE
A well structured vigilance system is in place and is functioning
in a proactive manner in disposing of all vigilance cases in
line with the Central Vigilance Commissions guidelines.
During the year, Vigilance Inspection was carried out in
75 identied Branches. A team from the Central Vigilance
Commission conducted a Vigilance Audit of the Bank during
the third quarter of the Financial Year. Vigilance Awareness
Week was observed from 3rd November 2008 to 7th
November 2008. An exclusive in-house training programme
was held for Disciplinary Authorities and Inquiring Authorities
/ Presenting Ofcers during the year. The Bank also brought
out a video presentation on Mock Inquiry, as an educative
tool covering various aspects of holding a domestic inquiry.
In the area of preventive vigilance, the Bank, through its
quarterly News Letter Ind-Chetana and Preventive Vigilance
Awareness Series Circulars, shared with all the members
of staff in the organization, the details of adverse incidents
that took place in the branches, so as to inculcate preventive
measures against recurrence of frauds.
SECURITY
The Bank has a well established security mechanism
synergized with the operational risk management system.
Modern security system has been put in place, to protect
Banks assets including personnel, information and property.
Unobtrusive security systems installed in the branches
have made them more and more customer friendly and
welcoming.
39
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40
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_| OyZ 15 go 18 2008 VH$ Am`mo{OV 48 dm am>r` AaVj am` d[a> EoW{b{Q>g
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AZwf{J`m
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Training and motivation of human resource to improve

security awareness have been regularly implemented.
IMPLEMENTATION OF OFFICIAL LANGUAGE

The Bank is actively implementing Ofcial Language based
on the Ofcial Language Act 1963 and Rules 1976. Ofcial
Language is implemented as per the Annual Programme
issued by the Ministry of Home Affairs, Government of India
and guidelines issued from time to time by the Ministry of
Finance and the Reserve Bank of India.
In keeping with the Banks objective of Taking Banking
Technology to the Common Man the facility of Hindi in CBS
has been provided and entries in Hindi in Pass Book have
been made possible. The Facility of Hindi screens has been
made available in ATMs also. Touch screen material is made
available in Hindi which gives information about various
products of the Bank. All computers of the Bank have the
facility of word processing in Hindi.
Eye Screening Camp

Free Eye Screening Camp was organized for the school
children and senior citizens through Venkatapuram branch,
Kannigaiper and Periapalayam wherein 900 people were
screened for various eye problems and 160 senior citizens
were treated for cataract Surgery.
Social Responsibility
Shri M S Sundara Rajan, Chairman & Managing Director,
Indian Bank donated uniforms to the Children of Seva Chakra
Orphanage who are totally destitute. The Bank has also
donated 2 computers to the orphanage in order to facilitate
the children to have technical computer knowledge.
Uniforms, Note Books, Stationery items, Fans etc. were
donated to 2 needy organizations viz., SEERS an organization
working for uplifting street children and Corporation School,
Chindatripet, Chennai by the Employees service movement
by name called CONCERN.
Special emphasis is continued to be given by the Bank to

train staff members through workshops. Hindi workshops
are also conducted at various Circle Ofces. The rst
spoken Hindi workshop was conducted at Head Ofce on
18.03.2009. Hindi website is available alongwith Home Page
in Hindi. Hindi section has been made available in Banks
intranet.
The external inspection on Implementation of OL Policies at
Head Ofce done on 02.03.2009 by the Ministry of Finance.
Government of India appreciated the initiatives taken by the
Bank in promoting use of Hindi in Banks ofcial work.
Bilingual CBS Software: The Bank is the rst Bank to
implement bilingual facility in CBS branches whereby
branches can view all CBS screens in Hindi. They can print
SB Pass Books and account statements in Hindi.
CORPORATE SOCIAL RESPONSIBILITY

Voluntary Blood Donation
The Bank sponsored 3740 blood donors during the year 200809 by organizing 29 blood donation camps. The Bank was
awarded as Best Donor Organisation by the Tamilnadu State
AIDS Control Society on National Voluntary Blood Donation
Day and the award was presented by His Excellency Shri
Surjith Singh Barnala, the Governor of Tamilnadu.
Health Camp
Medical Camp was organized to check body fat and visceral
fat, BMI & BMR during June 2008 and 450 persons beneted
at the camp.
Achievement in Sports
Indian Bank is a familiar name in Indian Sports. It has teams in
9 disciplines like athletics, basketball, carrom, chess, cricket,
football, hockey, table tennis, and volleyball. There are 100
active sportspersons out of which more than 25 represented
the country in junior/senior international competitions. The
Bank has a recruitment policy to recruit talented sports
persons and also a promotion policy to promote the
achievers in the national and international events.
The Banks Athletic team won 5 Gold Medals in the 81st
Senior State Athletic Championship 2008 held at Tirunelveli
on 17th and 18th of May 2008.
The team also won 4
Bronze Medals in the 48th National Interstate Senior Athletic
Championship 2008 held at Madurai from 15th to 18th June
2008. The Banks players represented the Tamil Nadu State
in the National Basketball Championship held at Surat from
31.12.2008 to 07.01.2009, Indo-Srilanka Carrom Test Series
at Colombo, Indo UK Test Series held at London, 12th
SAARC Carrom Championship at Srilanka and C S Sharma
Memorial International Rating Chess Tournament at Delhi
from 22nd to 29th March 2009.
SUBSIDIARIES & REGIONAL RURAL BANKS

Subsidiaries
The Bank has three Subsidiaries viz., Ind Bank Merchant
Banking Services Ltd., Ind Bank Housing Ltd., and Indfund
Management Ltd.
41
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42
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Regional Rural Banks

The Bank has sponsored three RRBs, namely Saptagiri
Grameena Bank head quartered at Chittoor, Pallavan Grama
Bank head quartered at Salem and Puduvai Bharathiar
Grama Bank head quartered at Puducherry.
Sapthagiri Grameena Bank has 127 branches with a total
business of Rs.2,091.76 crore.
Pallavan Grama Bank has 82 branches with a total
business of Rs. 913.71 crore.
Puduvai Bharathiar Grama Bank, established on
26.03.2008 has 11 branches with a total business of
Rs.10.45 crore.
Awards & Accolades

Indian Bank has been ranked by The Financial Express
as the BEST NATIONALISED BANK - NUMBER 1 in the
country based on the Banks performance for 2007-08.
This evaluation is based on the performance of the Bank
on ve major parameters, viz, Strength & Soundness,
Growth, protability, Efciency and Credit Quality. The
ranking has been improved from second in 2006-07 to
the rst position.
Indian Bank is also one among the 19 Indian Banks/
nancial institutions which are in the top 500 Global
Financial Brands 2009 based on a study made by Brand
Finance Plc in Association with the Banker magazine.
Indian Bank is in the list of Forbes 2000 2009 (1659th
position).
The Bank has been rated as the No.1 South Based Service
Brand in the Brand Equitys Most Trusted Brands 2008
survey (conducted by the Economic Times Intelligence
Group and AC Nielsen ORG-MARG). The Bank retains the
No.1 spot among the South Based Service Brands for the
5th year in succession.
One important achievement of the Bank was the assigning
of BBB(-) long term and A-3 short term counterparty
rating by the international rating agency Standard &
Poors to Indian Bank. The rating assigned to the Bank
is the same as Sovereign rating. As per the agencys
assessment the rating on Indian Bank reects the Banks
sound capitalisation, adequate earnings and comfortable
liquidity and funding prole.
The Bank has been conferred with Skoch Challenger
Award-2008 for Financial Inclusion for its path breaking
nancial inclusion initiatives in Puducherry and Dharavi
in banking sector. The award is instituted by Skoch
Consultancy Services Private Limited, a premier nancial

consultancy organisation in India.
The Bank was awarded First Prize for Excellent
Performance under SHG-Bank Linkage Programme by
NABARD during the year 2006-07 in Tamil Nadu. The
Award carried a shield and a citation.
The First three Prizes for the Best performing Commercial
Bank Branches under SHG -Bank Linkage Programme
in Tamilnadu were awarded to Usilamppatti Branch,
(Madurai Circle), Tirupathur Branch (Vellore Circle) and
Nehru Nagar Branch (Madurai Circle) respectively for the
year 2006-07.
A best performing Farmers Club in each state is selected
every year for National Award by NABARD. For the
year 2006-07, two clubs one in Tamil Nadu (Vasinagar
Farmers Club ) and another from Andhra Pradesh
(Abhudaya Karshak Parishad Farmers Club) sponsored
by the Bank bagged this prestigious award . The award
was given away by Honourable Union Finance Minister
Shri P Chidambaram at a meeting held on 08.02.2008 at
New Delhi.
Tamil Nadu Government has granted Award in appreciation
of the Banks contribution in providing Revolving Fund
assistance to SHGs in Chennai Corporation. The award
was received by the Chairman and Managing Director
from Honble Chief Minister of Tamil Nadu on 25.11.2008
at Chennai.
In Tamil Nadu, Indian Bank has been awarded the rst
prize by NABARD, under PSU Banks on 10.02.2009 for
the excellent performance under SHG-Bank linkage for
2007-08.
Similarly, our Microsate Branches in Orissa (Bhubaneswar),
Pune and Patna have received awards in recognition of
best performance under SHG lending in the respective
States during 2007-08, from NABARD.
The Bank has been awarded 4 Rolling shields by the
Madras Voluntary Blood Bank for its highest performance
among the institutions for the 18th consecutive year in
the state of Tamil Nadu.
YEAR AHEAD
The Bank is clearly in a branch expansion mode by opening
more than 100 branches during the last 2 years giving equal
emphasis on improvement in customer service as well.
While we are going ahead with opening more number of
branches in different parts of the country during the coming
years, our endeavour is to maintain the trust and goodwill
the customer/stakeholder is having with us and also enhance
the shareholders value through volume growth in business
and better protability.
43
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04.06.07
06.06.07
15.10.08
13.01.09
27.02.07
22.11.07
09.12.04
04.04.06
13.10.06
31.01.08
30.06.08
30.06.08
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44
REPORT OF THE BOARD OF DIRECTORS OF INDIAN BANK

ON CORPORATE GOVERNANCE 2008 - 09
1. Introduction and Philosophy
Corporate Governance in banks assumes importance
in view of the critical role of banks in any economy as
nancial intermediaries, repositories of vast creditrelated information and as part of the payments system.
The existence of sound Corporate Governance in
banking organizations is fundamental to their own sound
functioning and to the stability of the banking system as a
whole. The Bank consistently endeavours to follow good
Corporate Governance practices through transparency,
accountability, integrity and professionalism. The Bank
remains committed to its responsibilities towards all its
stakeholders and is also aware that in order to sustain and
grow in the present competitive environment, it needs
to meticulously adhere to the Governance norms and
adopt the best corporate practices. In order to achieve
this goal, in our Bank, being a Public Sector Bank, the

Board of Directors exercise more of supervisory role and
individual responsibilities and management are delegated
downward to various Executives, who deal with specic
areas of the affairs of the Bank, so that better and speedy
customer service are provided professionally.
Such
actions are being monitored by the Board at periodical
intervals to take corrective and improved measures for
further growth.
2. Composition of Board of Directors
The Board of Directors comprises of one whole-time
Chairman and Managing Director, two whole-time
Executive Directors, one Ofcer Employee Director,
one Workmen Employee Director besides seven parttime Non-Ofcial Directors (including two Shareholder
Directors).
Particulars of Board of Directors as on March 31, 2009 are as under:
No
Name of Director
Designation
Nature of
Directorship
Date of
Appointment
Shri M. S. Sundara Rajan
Chairman and Managing Director
Executive
04.06.07
Shri. A.Subramanian
Executive Director
Executive
06.06.07
Shri. A S Bhattacharya
Executive Director
Executive
15.10.08
Shri Kumar Sanjay Krishna
Government Nominee
Non-Executive
13.01.09
Shri C. R. Gopalasundaram
RBI Nominee
Non-Executive
27.02.07
Shri. T.T.Natarajan
Ofcer Employee Director
Non-Executive
22.11.07
Shri Ashok Gupta
Workmen Employee Director
Non-Executive
09.12.04
Shri P Sudhakar Reddy
Non-Ofcial Director
Non-Executive
04.04.06
Dr. G Sudhakar Rao
Chartered Accountant
Non-Executive
13.10.06
10
Mrs.Saria Khan
Non-Ofcial Director
Non-Executive
31.01.08
11
Shri.C K Ranganathan
Shareholder Director
Non-Executive
30.06.08
12
Prof. Narendra Kumar Agrawal
Shareholder Director
Non-Executive
30.06.08
All the directors have been appointed / nominated by the Government of India (GOI) except Shareholder
Directors. Shri. V. S. Senthil and Shri.G. Charath Chandran were Directors of the Bank upto January 12, 2009 and
January 31, 2009, respectively.
45
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46
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Prole of Directors:
Shri. M. S. Sundara Rajan, Chairman & Managing Director,
was appointed as Chairman and Managing Director of the
Bank on June 04, 2007. He was the Executive Director of
the Bank till June 03, 2007. He holds a masters degree
in economics from Madras University and has completed
CAIIB. He is also an Associate Member of the Institute of
Company Secretaries of India. He has over three decades
of experience in the banking sector.
Shri. A Subramanian, Executive Director, was appointed as
Executive Director of the Bank on June 06, 2007. He holds
a bachelors degree in science and has completed CAIIB.
He has over thirty years of experience in banking sector
and has handled Treasury, International Banking, Investors
Relation and Corporate Governance besides various other
portfolios.
Shri. Anup Sankar Bhattacharya, Executive Director,
was appointed as Executive Director of the Bank on
October 15, 2008. He has a honours degree in Agricultural
Science. He was General Manager in charge of Resources
Management and Board Secretariat, served as Regional
Manager, Jharkhand Region, CRM of North India Region
besides other assignments in United Bank of India before
joining Indian Bank.
Shri. Kumar Sanjay Krishna, I.A.S., was nominated by the
Government of India to the Board of the Bank on January
13, 2009. He has Masters degree in Physics. He is the
Joint Secretary, Department of Economic Affairs, Ministry
of Finance, Government of India. He had distinguished
services as Director, Prime Ministers Ofce, New Delhi and
Secretary, Government of Assam, Department of Agriculture,
Veterinary.
Shri. C R Gopalasundaram, was appointed as the RBI
Nominee to the Board on February 27, 2007. He has a
masters degree in Science and holds PG diploma in Bank
Management. He has completed CAIIB. He has nearly
38 years of experience in various departments of Reserve
Bank of India, in various capacities and at various centres,
mainly in the areas of Bank Supervision and Control, Foreign
Exchange Management, Organizational Management,
Training, etc. He was Chief General Manager and Principal,
Bankers Training College, Reserve Bank of India, Mumbai
from mid 1999 to mid 2003.
Shri. T T Natarajan, was appointed as the Ofcer Employee
Director of the Bank by the Government of India on
November 22, 2007. He joined the Bank on May 05, 1974.
He has a bachelors degree in Commerce and has completed
CAIIB. He is the President of All India Indian Bank Ofcers
Association. Presently, he is a Senior Manager of Mannady
Branch of the Bank at Chennai.
Shri. Ashok Gupta, was appointed as the Workmen

Employee Director of the Bank by the Government of India
on December 09, 2004 and represents workmen employees
of the Bank. He joined the Bank on May 07, 1975. He has a
bachelors degree in commerce from Delhi University. He
has been the General Secretary of Indian Bank Employees
Union, Delhi since 1977. He is the President of Indian Bank
Employees Union, Rajasthan unit; the Secretary of Federation
of Indian Bank Employees Union, Chennai and the Vice
President of the Delhi State Bank Employees Federation. He
is also a member of the general council of the All India Bank
Employees Association.
Shri. Ponguleti Sudhakar Reddy, was appointed as a parttime non-ofcial Director of the Bank on April 04, 2006. He
has a bachelors degree in commerce and a masters degree
in linguistics from Osmania University. He is an agriculturist
and social worker. He has been the Chairman of A.P.Tourism
Development Corporation. He has been designated as an
Ambassador for World Peace by the Interreligious and
International Federation for World Peace.
Dr. Gundmi Sudhakar Rao, was appointed as a part-time
non-ofcial Director of the Bank in the Chartered Accountant
category on October 13, 2006. He has a bachelors degree in
commerce from Mysore University and a bachelors degree
in law from Bangalore University. He is a Fellow Member of
the Institute of the Chartered Accountants of India and has
a doctorate in nance from the City University, Los Angeles,
U.S.A. He has been a member of the expert committee
constituted by the Government of Karnataka to assess and
advise on the policy of the Government of Karnataka in
respect of various revenue matters.
Mrs. Saria Khan, was appointed as a part-time non-ofcial
Director of the Bank on January 31, 2008. She is a practicing
Advocate hailing from Banswara, Rajasthan. She is an
active socialist with focus on development of women and
physically challenged.
Shri. C. K. Ranganathan, was elected as the Shareholder
Director of the Bank on June 30, 2008. He has a Bachelors
degree in Science.
He is the Chairman and Managing
Director of M/s Cavinkare Private Limited. Presently, he is
the Chairman of Confederation of Indian Industries, Tamil
Nadu.
Prof. Narendra Kumar Agrawal, was elected as the
Shareholder Director of the Bank on June 30, 2008. He
holds B.E., MMS degrees and is a Fellow of IIM-A. Presently,
he is a Professor in Organizational Behaviour and Human
Resources Management which is his area of specialization in
Indian Institute of Management, Bangalore. He is a visiting
faculty in many foreign Universities.
47
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48
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Details of Attendance of the Directors at the Board Meetings

Name of Director
(Sarvashree)
Period
Meetings held during the

period of their tenure
Meetings
Attended
1. M S Sundara Rajan
01.04.2008 - 31.03.2009
13
13
2. A Subramanian
01.04.2008 - 31.03.2009
13
13
3. A S Bhattacharaya
15.10.2008 - 31.03.2009
4. V S Senthil
01.04.2008 - 12.01.2009
10
5. Kumar Sanjay Krishna
13.01.2009 - 31.03.2009
6. C R Gopalasundaram
01.04.2008 - 31.03.2009
13
11
7. T T Natarajan
01.04.2008 - 31.03.2009
13
12
8. Ashok Gupta
01.04.2008 - 31.03.2009
13
13
9. G Charath Chandran
01.04.2008 - 31.01.2009
11
11
10. P Sudhakar Reddy
01.04.2008 - 31.03.2009
13
12
11. Saria Khan
01.04.2008 - 31.03.2009
13
10
12. Dr. G Sudhakar Rao
01.04.2008 - 31.03.2009
13
13
13. C K Ranganathan
01.07.2008 - 31.03.2009
10
14. Prof. Narendra Kumar Agrawal
01.07.2008 - 31.03.2009
10
3. Committees of the Board

The Board has constituted the following Committees which provide specic and focused governance in important
functional areas and oversee the affairs of the Bank.
Sl.No.
Name of the Committee
a.
Audit Committee
b.
Remuneration Committee
c.
Shareholders/Investors Grievance Committee
d.
Share Transfer Committee
e.
Management Committee
f.
Technology Committee
g.
Risk Management Committee
h.
Committee to Monitor Large Value Frauds
i.
Customer Service Committee
j.
Committee of Directors (Vigilance)
k.
Nomination Committee
l.
Strategic Business Development Committee
a) Audit Committee
The
Audit
Committee
was
constituted
on
October 13, 1995 and its terms of reference include the
following:
Provide direction as also oversee the total audit

function of the Bank which impact the organization,
operationalization and quality control of internal audit
and inspection in the Bank and follow-up on the statutory/
external audit of the Bank and inspections of the Reserve
Bank of India ;
Review the internal inspection/audit function in the Bank,
adjustment accounts, unreconciled long outstanding

entries in Inter-Bank accounts, nostro accounts, arrears
in balancing of books at various branches, frauds and
house-keeping;
Review quarterly reports from the compliance ofcers

appointed in the Bank and
Follow-up on all the issues raised in the Long Form Audit

Report and interact with the external auditors before the
nalization of the annual/semi-annual nancial accounts
and reports.
with specic focus on the follow-up on inter-branch
49
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{dVr` {dda{U`m| ij bmJy gr_m rd eoà ~mOma H$s Amd`H$VmAm| H$m
AZwnmbZ;
boIm narjH$m| H$s {Q>n{U`m| H$mo em{_b H$aVo hE dV boIm narjm Ho$ {dVma
H$m {ZYmaU Ed nwZarjU H$aZm VWm ~moS> H$mo nVwV H$aZo Ho$ nhbo {V_mhr, N>_mhr
Ed dm{fH$ {dVr` {ddaUm| H$m nwZarjU H$aZm&
g~{YV nm{Q>`m| Ho$ boZXoZ H$m i;Zos{k.k] `Wm ndVH$m| AWdm n~YZ, CZH$s
AZwf{J`m| AWdm g~{Y`m| B`m{X Ho$ gmW HkkSfrd :i Ho$ boZXoZ, {OZgo `mnH$
$n _| ~H$ Ho$ {hVm| Ho$ gmW g^m{dV gKf hmo gH$Vm h; Ama
{H$gr ^r nH$ma Ho$ qMVmOZH$ jo H$m nVm bJmZo Ho$ {bE boIm narjH$m| Ho$ gmW
boIm narjm Ho$ ~mX MMm ;
Eogo A` _m_bo Omo {H$ g_`-g_` na {H$gr ^r gm{d{YH$,g{dXm_H$ AWdm

A` {d{Z`m_H$ Amd`H$VmAm| mam O$ar hm|,
boIm narjm g{_{V _| {ZXoeH$m| H$s CnpW{V H$m {ddaU

1.
2.
3.
4.
5.
6.
7.
8.
9.
S>m Or gwYmH$a amd

E gw~_{U`Z
E Eg ^Q>Q>mMm`
dr Eg g|{Xb
Hw$_ma gO` H$U
gr Ama JmonmbgwXa_
Or MaV MXZ
nr gwYmH$a aoS>S>r
gr Ho$ aJZmWZ
Ad{Y
01.04.2008
01.04.2008
15.10.2008
01.04.2008
13.01.2009
01.04.2008
20.04.2008
01.04.2008
20.02.2009
CZH$s H$m`mZd{Y Ho$ XmamZ

Am`mo{OV ~R>H|$
CnpWV ~R>H|$
31.03.2009
11
11
31.03.2009
11
11
31.03.2009
12.01.2009
31.03.2009
31.03.2009
11
10
31.01.2009
19.04.2009
31.03.2009
~r) nm[al{_H$ g{_{V

^maV gaH$ma mam Bg g~Y _| ~ZmE JE {Z`_mZwgma A/`j Ed n~Y {ZXoeH$ Ama H$m`nmbH$ {ZXoeH$ H$mo nm[al{_H$ Ed `mm Ama R>haZo hoVw `` H$s n{Vny{V
H$m ^wJVmZ {H$`m OmVm h& Ja-H$m`nmbH$ dV {ZXoeH$m| H$mo H$moB ^r A` nm[al{_H$ H$m ^wJVmZ Zht {H$`m OmVm h, Ch| ^maV gaH$ma Ho$ {Xem{ZX}em| Ho$ AZwgma
~moS>/g{_{V H$s ~R>H$m| _| em{_b hmoZo Ho$ {bE Ho$db ~R>H$ ewH$ H$m ^wJVmZ {H$`m OmVm h& am>r`H$V ~H$ (n~YZ Ama {d{dY nmdYmZ) `moOZm, 1970 Ho$ IS> 17
H$s eVm}o Ho$ AZwgma g_` g_` na ^maVr` [aOd ~H$ Ho$ nam_e go Ho$X gaH$ma mam {bE JE {ZU` Ho$ AZwgma vakdkfyd xSj&ljdkjh funskdksa H$mo `mm Ed
R>haZo hoVw ^Vo g{hV nm[al{_H$ H$m ^wJVmZ {H$`m OmVm h&
nm[al{_H$ g{_{V _| {ZXoeH$m| H$s CnpW{V Ho$ {ddaU
Ad{Y
1.
01.04.2008
dr Eg g|{Xb
3. nr gwYmH$a aoS>S>r
50
01.04.2008 01.04.2008 01.04.2008 -

Am`mo{OV ~R>H|$
CnpWV ~R>H|$
12.01.2009
31.03.2009
31.03.2009
31.03.2009
In terms of the resolution of the Board of Directors dated

November 23, 2006, the scope of reference of the Audit
Committee was enhanced to include the following:
Establishing the scope and frequency of internal audit,

reviewing the ndings of the internal auditors and
ensuring the adequacy of internal control systems;
Regular review of accounts, accounting policies,

disclosures;
Compliance with Accounting Standards and Accounting

policies of the Bank
Review of the major accounting entries based on

exercise of judgment by management and review of
signicant adjustments arising out of audit;
Compliance with stock exchange

requirements
concerning nancial statements, to the extent
applicable;
Qualications in the draft audit report;
Establishing and reviewing the scope of the

independent audit including the observations of the
auditors and review of the quarterly, half-yearly and
annual nancial statements before submission to the
Board;
Oversee related party transactions i.e., transactions

of the Bank of material nature, with promoters or
management, their subsidiaries or relatives etc., that
may have potential conict with the interests of the
Bank at large; and
Such other matters as may from time to time be required

by any statutory, contractual or other regulatory
requirements
Post audit discussions with the auditors to ascertain

any area of concern;
Details of Attendance of the Directors at the Audit Committee:

Name of Director
(Sarvashree)
Period

Meetings
Attended
01.04.2008 - 31.03.2009
11
11
2. A Subramanian
01.04.2008 - 31.03.2009
11
11
15.10.2008 - 31.03.2009
4. V S Senthil
01.04.2008 - 12.01.2009
13.01.2009 - 31.03.2009
01.04.2008 - 31.03.2009
11
10
20.04.2008 - 31.01.2009
8. P Sudhakar Reddy
01.04.2008 - 19.04.2008
9. C K Ranganathan
20.02.2009 - 31.03.2009
b) Remuneration Committee:The Chairman and Managing Director and Executive Directors are being paid remuneration and reimbursement of
travelling and halting expenses as per the rules framed by Government of India in this regard. The part-time Non-Ofcial
Directors are not being paid any other remuneration, except Sitting Fees for attending the meetings of the Board /
Committee as per the guidelines of Government of India. The remuneration including travelling and halting expenses to
part-time Non-Ofcial Directors is being paid as decided by the Central Government in consultation with RBI from time to
time in terms of Clause 17 of Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970.
Details of Attendance of the Directors at the Remuneration Committee:
Name of Director
(Sarvashree)
Period

Meetings
Attended
1. V S Senthil
01.04.2008 - 12.01.2009
01.04.2008 - 31.03.2009
3. P Sudhakar Reddy
01.04.2008 - 31.03.2009
01.04.2008 - 31.03.2009
51
gr) eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`V g{_{V

eoà YmaH$m| VWm {ZdoeH$m| H$s {eH$m`Vm| Ho$ {ZdmaU H$m` g^mbZo hoVw 23 Zd~a 2006 go g{_{V J{R>V H$s JB Ama Bg g{_{V H$m H$m` {g\$ eoàm| Ho$ AVaU, bm^me,
dm{fH$ [anmoQ> nm Zht hmous ,oa vkSj fdlh {eH$m`Vm| VH$ gr{_V Zht h, ~pH$ ~H$ Ho$ {d {H$gr eoà YmaH$ `m {ZdoeH$ H$k {eH$m`V {ZdmaU H$m` em{_b h&
eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`V g{_{V _| {ZXoeH$m| H$s CnpW{V Ho$ {ddaU
1.
2.
3.
4.
5.
S>m Or gwYmH$a amd

E gw~_{U`Z
E Eg ^Q>Q>mMm`
Or MaV MXZ
nr gwYmH$a aoS>S>r
Ad{Y
01.04.2008
01.04.2008
15.10.2008
01.04.2008
20.02.2009
CZH$s H$m`mZd{Y Ho$ XmamZ Am`mo{OV

~R>H|$
CnpWV ~R>H|$
31.03.2009
31.03.2009
31.03.2009
31.01.2009
31.03.2009
S>r) eoà AVaU g{_{V

B{S>`Z ~H$(eoàm| Ama ~R>H$m|) {d{Z`_Z, 1999, Ho$ {d{Z`_Z g`m 2 E Ho$ AZwgma, 13 _mM 2007 H$mo ~H$ H$s eoà AVaU g{_{V J{R>V H$s JB& g{_{V ar_oQ>r[a`bgoeZ
Am{X AZwamoY na {dMma H$aVr h&
eoà AVaU g{_{V _| {ZXoeH$m| H$s CnpW{V Ho$ {ddaU
1.
E gw~_{U`Z
E Eg ^Q>Q>mMm`
Or MaV MXZ
S>m Or gwYmH$a amd
gr Ho$ aJZmWZ
2.
3.
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5.
Ad{Y
01.04.2008
15.10.2008
01.04.2008
01.04.2008
20.02.2009

~R>H|$
CnpWV ~R>H|$
31.03.2009
31.03.2009
31.01.2009
31.03.2009
31.03.2009
B) n~YZ g{_{V
n~YZ g{_{V H$m JR>Z 8 {gV~a 1990 H$ms hAm Wm Ama `h ^maVr` [aOd ~H$ H$s gbmh go Ho$X gaH$ma Ho$ AZw_moXZ Ho$ gmW ~moS> mam Bgo nXmZ {H$E JE A{YH$mam|
H$m n`moJ H$aVh h& n~YZ g{_{V {ZZ {df`m| na ~moS> _| {Z{hV g^r A{YH$mam| H$m n`moJ H$a gH$Vh h
F$U nVmdm| H$s _Oyar ({Z{YiznRr Ama Ja {Z{YiznRr);
F$U g_PmVm/~Q>Qo> ImVo _| S>mbZm Ho$ nVmd;
nyOr Ama amOd `` Ho$ nVmdm| hoVw AZw_moXZ;
n[agam| Ho$ A{YJhU Ama {H$amò na boZo hoVw _mZXS>m| go {dMbZ g{hV n[agam| Ho$ A{YJhU Ama {H$amò na boZo go g~{YV nVmd;
CZHo$ ~Mmd Ho$ {bE _wH$X_m/Anrb Am{X Xmà H$aZo;
gkehnkjh lfgr gaH$mar Ama A` AZw_mo{XV n{V^y{V`m|, H$n{Z`m| Ho$ 'ks;jksa vkSj {S>~|Mam| _| {Zdoe
XmZ; Ama
~moS> mam n~YZ g{_{V H$mo gX{^V {H$E JE H$moB A` _m_bo&
52
c) Shareholders / Investors Grievance Committee:

The Committee was constituted with effect from November 23, 2006 to carry out such functions for the redressal of
Shareholders and investors complaints, including but not limited to transfer of shares, non-receipt of dividends, Annual
Report and any other grievance that a shareholder or investor of the Bank may have against the Bank.
Details of Attendance of the Directors at the Shareholders / Investors Grievance Committee:
Name of Director
(Sarvashree)
Period

Meetings
Attended
01.04.2008 - 31.03.2009
2. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
01.04.2008 - 31.01.2009
5. P Sudhakar Reddy
20.02.2009 - 31.03.2009
d) Share Transfer Committee :

Pursuant to Regulation No. 2A of Indian Bank (Shares and Meetings) Regulations, 1999, the Share Transfer Committee of
the Bank was constituted on March 13, 2007. The Committee considers requests for rematerialization, etc.
Details of Attendance of the Directors at the Share Transfer Committee:
Name of Director
(Sarvashree)
Period

Meetings
Attended
1. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
01.04.2008 - 31.01.2009
01.04.2008 - 31.03.2009
5. C K Ranganathan
20.02.2009 - 31.03.2009
e) Management Committee:
The Management Committee was constituted on September 08, 1990 and exercises such powers as may be delegated
to it by the Board with the approval of the Central Government after consultation with Reserve Bank of India. The
Management Committee may exercise all the powers vested in the Board in respect of:
Sanctioning of credit proposals (funded and non-funded);
Loans compromise / write off proposals;
Proposals for approval of capital and revenue expenditure;
Proposals relating to acquisition and hiring of premises including deviation from norms for acquisition and hiring of
premises;
Filing of suits / appeals, defending them, etc.;
Investments in Government and other approved securities, shares and debentures of companies including
underwriting;
Donations; and
Any other matter referred to the Management Committee by the Board.
53
n~YZ g{_{V _| {ZXoeH$m| H$s CnpW{V H$m {ddaU


~R>H|$
CnpWV ~R>H|$
01.04.2008 - 31.03.2009
14
14
01.04.2008 - 31.03.2009
14
14
15.10.2008 - 31.03.2009
01.04.2008 - 31.03.2009
14
11
01.04.2008 - 31.05.2008
15.12.2008 - 31.03.2009
2
5
1
5
AemoH$ Jwm
7. Or MaV MXZ
01.06.2008 - 30.11.2008
01.04.2008 - 19.04.2008
15.06.2008 - 14.12.2008
1
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8.
01.04.2008 - 14.06.2008
20.04.2008 - 19.10.2008
01.04.2008 - 31.03.2009
14
14
01.12.2008 - 31.03.2009
20.10.2008- 31.03.2009
1.
2.
3.
4.
5.
E_ Eg gwXa amOZ
E gw~_{U`Z
E Eg ^Q>Q>mMm`
gr Ama JmonmbgwXa_
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nr gwYmH$a aoS>S>r
9. gm[a`m ImZ
11. gr Ho$ aJZmWZ
12. \$mo. ZaoX Hw$_ma AJdmb
Ad{Y
E\$) nmmo{JH$s g{_{V

nmmo{JH$s g{_{V 11 _mM, 2002 H$mo J{R>V H$s JB&
nmmo{JH$s g{_{V H$m JR>Z ~H$ H$s nmmo{JH$s` CZ`Z Amd`H$VmAm| H$mo XoIZo Ama n> n[a^m{fV _mBb Q>moZ Ho$ gmW aUZr{VH$ `moOZm H$s AZwegm H$aZo Ho$ {bE {H$`m
J`m h&
nmmo{JH$s g{_{V _| {ZXoeH$m| H$s CnpW{V H$m {ddaU
1.
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E Eg ^Q>Q>mMm`
Or MaV MXZ
S>m Or gwYmH$a amd
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Ad{Y
01.04.2008
15.10.2008
01.04.2008
01.04.2008
20.02.2009
CZH$s H$m`mZd{Y Ho$ XmamZ Am`mo{OV ~R>H|$ CnpWV ~R>H|$

-
31.03.2009
31.03.2009
31.01.2009
31.03.2009
31.03.2009
Or) Omo{I_ n~YZ g{_{V
g{_{V Ho$ Xm{`d _| fuEufyf[kr gp_{bV h
Omo{I_ n~YZ g{_{V H$m JR>Z 18 OZdar, 2003 dks {H$`m J`m Wm&
Omo{I_ n~YZ g{_{V Ho$ H$m`m} _| {ZZ{b{IV em{_b ha
~mOma Omo{I_ _mn, n~YZ Ama [anmo{Q>J hoVw Zr{V`m Ama {Xem{ZX}e Wm{nV
H$aZm
EH$sH$V Omo{I_ n~YZ {Og_| F$U Omo{I_ g{hV ~H$ Ho$ {d{^Z F$U
Omo{I_ mm{_b h, Ho$ {bE Zr{V Ama aUZr{V V`ma H$aZm&
`h gw{ZpMV H$aZm {H$ ~mOma Omo{I_ n{H$`mE (OZVm, nUm{b`m|, n[aMmbZm|,

gr_mAm| Ama {ZÙm| g{hV ) ~H$ H$s Zr{V H$s gVw{> djrs gSa&
~H$ Ho$ F$U Omo{I_ n~YZ g{_{V (grAmaE_gr), AmpV Xo`Vm n~YZ
g{_{V (EEbE_gr) Ama n[aMmbZ Omo{I_ n~YZ g{_{V (AmoAmaE_gr)
Ho$ ~rM g_d` Wm{nV H$aZm &
O`mnma Ama nmoX^dZ nmoQ>\$mo{b`mo hoVw {Q>Ja AWdm hm{Z amoH$Zo g{hV ~mOma
Omo{I_ gr_mAm| H$s nwZarjm Ama AZw_moXZ&
Ah Ama gj_ Q>m\$ H$s {Z`wpV, Ah Ama gj_ Q>m\$ Ama dV ~mOma
Omo{I_ n~YH$/H$m| Am{X H$s VZmVr gw{ZpMV H$aZm&
54
Details of Attendance of the Directors at the Management Committee

Name of Director
(Sarvashree)
Period

Meetings
Attended
01.04.2008 - 31.03.2009
14
14
2. A Subramanian
01.04.2008 - 31.03.2009
14
14
15.10.2008 - 31.03.2009
01.04.2008 - 31.03.2009
14
11
5. T T Natarajan
01.04.2008 - 31.05.2008
15.12.2008 - 31.03.2009
2
5
1
5
6. Ashok Gupta
01.06.2008 - 30.11.2008
01.04.2008 - 19.04.2008
15.06.2008 - 14.12.2008
1
7
1
7
8. P Sudhakar Reddy
01.04.2008 -14.06.2008
9. Saria Khan
20.04.2008 -19.10.2008
01.04.2008 - 31.03.2009
14
14
11. C K Ranganathan
01.12.2008 -31.03.2009
20.10.2008- 31.03.2009
f) Technology Committee:
The Technology Committee was constituted on March 11, 2002.
The Technology Committee has been set up to look into the technological upgradation requirements of the Bank and
recommend a strategic plan with clearly dened milestones.
Details of Attendance of the Directors at the Technology Committee
Name of Director
(Sarvashree)
1. A Subramanian
Period

Meetings
Attended
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
01.04.2008 - 31.01.2009
01.04.2008 - 31.03.2009
20.02.2009 - 31.03.2009
g) Risk Management Committee:

Risk Management Committee was constituted on
January 18, 2003. The functions of the Risk Management
Committee include the following:
To devise the policy and strategy for integrated risk
management containing various risk exposures of the
Bank including the Credit Risk.
To co-ordinate between the Credit Risk Management
Committee (CRMC), the Asset Liability Management
Committee (ALMC) and Operational Risk Management
Committee (ORMC) and other risk committees of
the Bank.
The responsibility of the Committee include:

Setting policies and guidelines for market risk

measurement, management and reporting
Ensuring that market risk management processes

(including people, systems, operations, limits and
controls) satisfy Banks policy
Reviewing and approving market risk limits, including

triggers or stop-losses for traded and accrual
portfolios
Appointment of qualied and competent staff;

ensuring posting of qualied and competent staff
and of independent market risk manager/s etc.
55
Omo{I_ n~YZ g{_{V _| {ZXoeH$m| H$s CnpW{V H$m {ddaU

ZXoeH$m| H$m Zm_ (gdlr)
1.
E_ Eg gwXa amOZ
E gw~_{U`Z
E Eg ^Q>Q>mMm`
gr Ama JmonmbgwXa_
Or MaV MXZ
S>m Or gwYmH$a amd
gm[a`m ImZ
2.
3.
4.
5.
6.
7.
Ad{Y
01.04.2008
01.04.2008
15.10.2008
01.04.2008
01.04.2008
01.04.2008
20.02.2009

Am`mo{OV ~R>H|$
CnpWV ~R>H|$
31.03.2009
31.03.2009
31.03.2009
31.03.2009
31.01.2009
31.03.2009
31.03.2009
EM) ~So> _y` H$s YmoImY{S>`m| H$mo _mZrQ>a H$aZo hoVw {deof g{_{V
EH$ H$amoS> nò Ama Cg go A{YH$ H$s YmoImY{S>`m| H$mo _mZrQ>a H$aZo hoVw Bg g{_{V H$m JR>Z 31 OZdar 2004 H$mo {H$`m J`m Wm&
{deof g{_{V (~So> _y` H$s YmoImY{S>`m| H$mo _mZrQ>a H$aZo) _| {ZXoeH$m| H$s CnpW{V H$m {ddaU
Ad{Y
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CnpWV ~R>H|$
2
E_ Eg gwXa amOZ
2. E gw~_{U`Z
01.04.2008
- 31.03.2009
01.04.2008 - 31.03.2009
2
2
3.
15.10.2008
31.03.2009
12.01.2009
31.03.2009
31.03.2009
31.03.2009
1.
4.
5.
6.
7.
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dr Eg g|{Xb
Hw$_ma gO` H$U
nr gwYmH$a aoS>S>r
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01.04.2008
13.01.2009
01.04.2008
01.04.2008
AmB) JmhH$ godm g{_{V

JmhH$ godm g{_{V AJV 24, 2004 H$mo J{R>V H$s JB& JmhH$ godm g{_{V Ho$ H$m` _| {ZZ{b{IV ^r em{_b h&
Am_ `pV`m| Ho$ {hVm| H$s ajm H$aZo Ho$ {bE n{H$`m{d{Y`m| d n{V`m| Ho$ gabrH$aU na `mZ XoZm;
JmhH$m| H$mo godm nXmZ H$aZo hoVw n{V`m| H$s nwZarjm
djuk Ama
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{ZXoeH$ H$m Zm_ (gdlr)
1.
2.
3.
4.
5.
6.
7.
8.
56
E_ Eg gwXa amOZ
E gw~_{U`Z
E Eg ^Q>Q>mMm`
dr Eg g|{Xb
Hw$_ma gO` H$U
gr Ama JmonmbgwXa_
AemoH$ Jwm
S>m Or gwYmH$a amd
Ad{Y
01.04.2008
01.04.2008
15.10.2008
01.04.2008
13.01.2009
01.04.2008
01.04.2008
01.04.2008
- 31.03.2009
- 31.03.2009
- 31.03.2009
- 12-.01.2009
- 31.03.2009
- 31.03.2009
- 31.03.2009
- 31.03.2009

Am`mo{OV ~R>H|$
CnpWV ~R>H|$
Details of Attendance of the Directors at the Risk Management Committee:

Name of Director
(Sarvashree)
Period

Meetings
Attended
01.04.2008 - 31.03.2009
2. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
01.04.2008 - 31.03.2009
01.04.2008 - 31.01.2009
01.04.2008 - 31.03.2009
7. Saria Khan
20.02.2009 - 31.03.2009
h) Special Committee for monitoring Large Value Frauds:

The Committee was constituted on January 31, 2004 for monitoring frauds of Rs.1 crore and above.
Details of Attendance of the Directors at the Special Committee (Monitoring of Large Value Frauds)
Name of Director
(Sarvashree)
Period

Meetings
Attended
01.04.2008 - 31.03.2009
2. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
4. V S Senthil
01.04.2008 - 12.01.2009
13.01.2009 - 31.03.2009
6. P Sudhakar Reddy
01.04.2008 - 31.03.2009
01.04.2008 - 31.03.2009
i) Customer Service Committee

The Customer Service Committee was constituted on August 24, 2004. The functions of the Customer Service Committee
include the following.
To look into the simplication of procedures and practices with a view to safeguarding the interests of common
persons;
To review the systems in place for providing service to the customers; and
To review the regulations and procedures prescribed by Reserve Bank of India that impinges on customer service of
banks.
Details of Attendance of the Directors at the Customer Service Committee:
Name of Director
(Sarvashree)
Period

Meetings Attended
01.04.2008 - 31.03.2009
2. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
4. V S Senthil
01.04.2008 - 12.01.2009
13.01.2009 - 31.03.2009
01.04.2008 - 31.03.2009
7. Ashok Gupta
01.04.2008 - 31.03.2009
01.04.2008 - 31.03.2009
57
Oo)
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4.
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600 028
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11.00 gw~h
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58
j) Committee of Directors (Vigilance):

The Vigilance Committee was constituted on January 12, 1991. The Vigilance Committee meets once in a quarter to
review any outstanding disciplinary cases and departmental enquiries. The observation of the Vigilance Committee is put
up to the Board in the half yearly review of vigilance matters.
Details of Attendance of the Directors at the Vigilance Committee:
Name of Director
(Sarvashree)
Period

Meetings
Attended
01.04.2008 - 31.03.2009
2. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
4. V S Senthil
01.04.2008 - 12.01.2009
13.01.2009 - 31.03.2009
01.04.2008 - 31.03.2009
l) Strategic Business Development Committee:
k) Nomination Committee:
The Nomination Committee was constituted
December 01, 2007 with the following Directors:
The Strategic Business Development Committee was

constituted on August 26, 2008 for formulation of
strategies for business development with the following
Directors as members of the Committee:
on
1. Government of India Nominee Director (Chairman of

the Committee)
1. Chairman and Managing Director (Chairman of the

Committee)
2. RBI Nominee Director

3. Chartered Accountant Director.
2. Executive Directors
The Committee met once on June 16, 2008 during the

process of election of Shareholder Directors representing
the shareholders of the Bank.
3. Government of India Nominee Director

4. Shareholder Directors
Details of Attendance of the Directors at the Strategic Business Development Committee:

Name of Director
(Sarvashree)
Period

Meetings Attended
01.04.2008 - 31.03.2009
2. A Subramanian
01.04.2008 - 31.03.2009
15.10.2008 - 31.03.2009
13.01.2009 - 31.03.2009
5. C K Ranganathan
01.07.2009 - 31.03.2009
6. Narendra Kumar Agrawal
01.07.2009 - 31.03.2009
4. General Body Meetings:

The details of previous Annual General Meetings (AGM) of shareholders of the Bank are as follows:
Annual General Meeting
Day & Date
Time
Venue
First
Wednesday,
June 27, 2007
11.00 a.m.
IMAGE, MRC Nagar

Raja Annamalaipuram
Chennai - 600 028.
Second
Monday,
June 30, 2008
11.00 a.m.
IMAGE, MRC Nagar

Raja Annamalaipuram
Chennai - 600 028.
No special resolutions were passed at the above Annual General Meetings.
59
5. nH$Q>rH$aU
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{Xem{ZX}em| Ho$ AZwgma {H$`m OmVm h&
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{ZU` {b`m OmZm hmo&
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Am{X em{_b h& eoàYmaH$m| H$mo g_mMma nm| _| nH$meZ, Q>mH$ EgM|Omo H$mo gyMZm (EZEgB Ed ~rEgB) nog {dk{`m, B_ob, Omo{H$ ~H$ H$s do~gmBQ> na CnbY
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n[aMmbZ _m_bm| na nog {dk{`m Omar H$aVm h Omo{H$ ~H$ H$s do~gmBQ> ( www.indianbank.in) na ^r CnbY h&
7.
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B{S>`Z ~H$ Ho$ boIm| na {dMma H$aZo d bm^me H$s KmofUm
dm{fH$ gm_m` ~R>H$ H$m {XZmH$, g_` Ama WmZ
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2008-09 Ho$ {bE bm^me
Anb 27, 2009

tuw 29] 2009 lqcg 10-00 cts] best] ,evkjlh uxj] jktk v..kkeySiqje] psUuS&600 028
2008-09
tuw 20] 2009 ls twu 24] 2009 rd (nksuksa fnu ekfey)
B{$Q>r eoà - AV[a_ 20 n{VeV (n{V B{$Q>r eoà .2/-) Ama A{V_ 30 n{VeV (n{V B{$Q>r
eoà .3/-) Hw$b 50 n{VeV (n{V B{$Q>r eoà .5/-)
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nmgr \$m_ nm H$aZo H$s A{V_ VmarI

bm^mem| Ho$ ^wJVmZ H$s VmarI
60
twu 24] 2009

tqykbZ 28] 2009 ds igys
5. Disclosures
a. Other than those in the normal course of banking
business, the Bank has not entered into any materially
signicant transactions with its Promoters / Directors,
Management, their subsidiaries, or relatives, etc. that
may have potential conict with the interests of the Bank
at large.
b. The Bank has complied with all the requirements
regarding capital market related matters and has not been
Requirement
A non-executive Chairman should be entitled to maintain a
Chairmans Ofce at the Banks expense and also allowed
reimbursement of expenses incurred in performance of his
duties.
The Bank should set up a remuneration committee to
determine on their behalf and on behalf of the shareholders
with agreed terms of reference, the Banks policy on specic
remuneration packages for executive directors including
pension rights and any compensation payment.
Whistle Blower Policy: The Bank may establish a mechanism
for employees to report to the management concerns about
unethical behaviour, actual or suspected fraud or violation of
the Banks code of conduct or ethics policy and provide for
adequate safeguards against victimization of employees.
Postal Ballot
imposed any penalty or stricture by the stock exchanges

or SEBI or any other statutory authority during the last
year.
c. Mandatory and non-mandatory requirements:
The Bank has complied with all the applicable mandatory
requirements as provided in Clause 49 of the Listing
Agreement entered into with the Stock Exchanges. The
extent of implementation of non-mandatory requirements
is furnished as under:
Compliance
The Bank is chaired by an Executive Chairman appointed
by the Government of India and the reimbursement of
expenses incurred by him are in terms of Government of
India guidelines.
Remuneration Committee of the Board has been formed
to determine the remuneration package in terms of the
Government of India guidelines.
The Bank has put in place a Whistle Blower policy.
The business transacted did not require any special resolution

to be put through postal ballot.
6. Means of Communication
Information relating to Bank will be mainly issued through the Annual Report which includes the Directors Report,
Auditors Report, Cash Flow Statements, Consolidated Audited Accounts, etc. The shareholders will also be intimated
on the quarterly, half yearly and annual performance through publication in newspapers, intimation to Stock Exchanges
(NSE & BSE), press release, email wherever possible, which is also available on the website of the Bank. The Bank issues
press release on various operational matters such as revision in interest rates, launching of new products, opening of new
branches, etc. which are also available on the website of the Bank (www.indianbank.in).
7. General Shareholder Information
Board Meeting for considering accounts of Indian April 27, 2009
Bank and declaration of dividend
Date, Time and venue of AGM
June 29, 2009. 10. a.m.
IMAGE
Financial Year
Book closure dates
Dividend for 2008-09
Last date of receipt of proxy forms

Date of payment of Dividend
MRC Nagar, Raja Annamalaipuram, Chennai 600 028

2008-09
June 20, 2009 to June 24, 2009 (both days inclusive)
Equity Shares Interim 20% (Rs.2/- per Equity Share) and Final
30% (Rs.3/- per Equity Share) Total 50% (Rs.5/- per Equity Share)
Preference Shares 8.75% p.a. for the period from
April 2008 to September 2008 and 10.00% p.a. from October 2008
to March 2009.
June 24, 2009
Before July 28, 2009
61
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MoZ 600 001
1, b~ hmCg amoS>
Qo>br\$moZ 91 44 25226699
MoZ 600 002
Qo>br\$moZ (91 44) 28460718
\$g 91 44 25232111
\$g (91 44)28460129
B-_ob investors@indianbank.co.in
B-_ob investors@indianbank.co.in
nm, {ZdmaU H$s JB Ed b{~V {eH$m`Vm| H$s g`m
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80.00
9856597
2.29
6642854
1.55
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eoà YmaH$m| H$m gdJ

{dXoer gWmJV {ZdoeH$
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Hw$b Ym[aVm Ho$ gmW n{VeV

52494248
12.21
455266
0.11
52949514
1.55
a. Listing on Stock Exchanges

The Equity Shares of the Bank are listed with the National Stock Exchange of India Limited and the Bombay Stock
Exchange Limited with effect from March 01, 2007. The Scrip codes of the Exchange are as under
No.
Stock Exchange
Stock
1.
NSE
Equity
INDIANB
2.
BSE
Equity
INDIANB / 532814
The Bank has paid the listing fees for the year 2009-2010
to the stock exchanges.
b. Compliance Ofcer(s)
Shri. V. Ganesan, General Manager has been designated
as the Compliance Ofcer for complying with various
provisions of SEBI and other statutory authorities. Shri.
A. Ganesa Rathnam, Company Secretary has been
designated as the Compliance Ofcer for complying with
various provisions of Listing Agreement entered into
with the Stock Exchanges.
Scrip Code
c. Share Transfer & Redressal of Investors Grievances:

The Bank has appointed M/s Cameo Corporate Services
Ltd., Chennai, as the Share Transfer Agent for recording
of shareholders requests, resolution of investors
grievances amongst other activities connected with
the issue of shares. For the convenience of investors,
grievances / complaints from them are also accepted at
the Banks Head Ofce in Chennai.
The investors may lodge their requests / complaints
either with the Share Transfer Agent or with the Bank at
the following addresses:
Cameo Corporate Services Ltd.

Unit: Indian Bank
Subramanian Building
1, Club House Road
Chennai 600 002.
Company Secretary
Indian Bank
Investor Services Cell
Krest Building, 2, Jehangir Street,
Chennai 600 001.
Tel: (91 44) 28460718

Fax: (91 44) 28460129
Email: investor@cameoindia.com
Telephone : 91 44 25226699
Fax
: 91 44 25232111
Email: investors@indianbank.co.in
Number of Complaints received, resolved and pending:

The details of complaints received and resolved during 2008-09 and pending as on 31.03.2009 are as follows:
Pending as on 01.04.2008
Received from 01.04.08 to 31.03.09
Resolved
Pending as on 31.03.2009
11
11
d. Shareholding pattern as on 31.3.2009:

List of shareholders holding shares 1% and above as on 31.03.2009:
No.
Category of Shareholders
1.
Government of India
No. of shares held
% to total holding
343820000
80.00
2.
3.
Government of Singapore
9856597
2.29
Emerging Markets Management, L.L.C. A/c EMSAF Mauritius
6642854
1.55
Total foreign holding as on 31.3.2009:

No.
Category of Shareholders
1.
Foreign Institutional Investors
2.
NRIs
Total
No. of shares held
% to total holding
52494248
12.21
455266
0.11
52949514
12.32
63
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3.06
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5001 go 10000
1851
2.19
1319765
0.31
10001 go 20000
732
0.86
981376
0.23
189
0.22
469557
0.11
63
0.07
219259
0.05
47
0.06
220558
0.05
85
0.10
607812
0.14
200
0.24
415583919
96.70
84706
100.00
429770000
100.00
5000 VH$
go 30000
30001 go 40000
40001 go 50000
50001 go 100000
100001 Ama Cggo A{YH$
Hw$b
_m{gH$ C Ed {ZZ H$moQo>eZ Ed eoàm| H$s _mm
20001
_mh
64
eoà
g`m
C (.)
EZ Eg B
{ZZ (.)
Anb 2008
168.00
137.55
13037580
169.00
138.15
2434691
_B 2008
157.00
114.70
14048056
157.10
120.15
3628388
OyZ 2008
127.50
86.30
9664454
127.85
86.15
2908557
OwbmB 2008
115.00
77.00
15159811
116.40
78.00
4408594
AJV 2008
129.90
92.15
25822189
135.00
92.55
7409084
{gV~a 2008
146.85
105.00
15124836
142.00
110.00
4577589
AVy~a 2008
139.90
102.00
10700032
139.00
101.10
2200409
Zd~a 2008
141.80
114.50
7155971
141.50
115.00
1888402
{Xg~a 2008
139.50
111.10
8784988
139.50
114.05
2700824
tuojh 2009
147.75
117.15
8393059
147.75
116.50
1630509
Qjojh 2009
124.80
83.25
5965310
124.45
83.20
1118696
ekpZ 2009
90.00
63.60
15854372
90.00
63.75
4057961
_mm (.)
C (.)
~r Eg B
{ZZ (.)
_mm (.)
Distribution of shareholdings as on 31.3.2009:

Category wise:
No.
Category
No. of Shares held
1.
Government of India
2.
Banks & Financial Institutions (Central / State

Institutions)
3.
Mutual Funds & UTI
4.
Bodies Corporate
5.
FIIs
6.
Resident Holdings, etc.
343820000
TOTAL
Amount (Rs.)
% of Shareholding
3438200000
80.00
1669987
16699870
0.39
13148375
131483750
3.06
4380648
43806480
1.02
52494248
524942480
12.21
14256742
142567420
3.32
429770000
4297700000
100.00
Value wise:
Shareholding of Nominal value Rs.
Shareholders
Nos.
Upto 5000
Shares
%age
Nos.
%age
81539
96.26
10367754
2.41
5001 10000
1851
2.19
1319765
0.31
10001 20000
732
0.86
981376
0.23
20001 30000
189
0.22
469557
0.11
30001 - 40000
63
0.07
219259
0.05
40001 50000
47
0.06
220558
0.05
50001 - 100000
85
0.10
607812
0.14
100001 & above
200
0.24
415583919
96.70
84706
100.00
429770000
100.00
TOTAL
Monthly High and low quotation and volume of shares:
Month
NSE
BSE
High (Rs.)
Low (Rs.)
Volume
(Nos.)
High (Rs.)
Low
(Rs.)
Volume
(Nos.)
April 2008
168.00
137.55
13037580
169.00
138.15
2434691
May 2008
157.00
114.70
14048056
157.10
120.15
3628388
June 2008
127.50
86.30
9664454
127.85
86.15
2908557
July 2008
115.00
77.00
15159811
116.40
78.00
4408594
August 2008
129.90
92.15
25822189
135.00
92.55
7409084
September 2008
146.85
105.00
15124836
142.00
110.00
4577589
October 2008
139.90
102.00
10700032
139.00
101.10
2200409
November 2008
141.80
114.50
7155971
141.50
115.00
1888402
December 2008
139.50
111.10
8784988
139.50
114.05
2700824
January 2009
147.75
117.15
8393059
147.75
116.50
1630509
February 2009
124.80
83.25
5965310
124.45
83.20
1118696
March 2009
90.00
63.60
15854372
90.00
63.75
4057961
65
(B) eoàm| H$m A_yVH$aU

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A`j Ed n~Y {ZXoeH$
66
e. Dematerialization of Shares
The shares of the Bank are compulsorily traded in dematerialized form and the Bank has entered into agreements with
the National Securities Depository Limited (NSDL) and Central Depository Services (India) Limited (CDSL) and the ISIN is
INE562A01011. As on 31.03.2009 the details of shares held in dematerialised and physical form were as under.
No.
Stock
No. of shares
1.
Preference
2.
Equity
1,476
3.
Equity
42,97,68,524
Form
4,00,00,000
D-Mat
Physical
D-Mat
f. Code of Conduct
The Bank has framed the Code of Conduct applicable to Board of Directors and Senior Management Personnel and the
same has been adopted by the Board of Directors at its meeting held on 29.03.2007 and the same has also been put on
the Banks website viz.www.indianbank.in
Declaration
The Bank has laid down a Code of Conduct for all the Board Members and Senior Management of the Bank and which is
posted on the website of the Bank.
The Board Members and Senior Management have afrmed compliance to the Code of Conduct.
For Indian Bank
Place: Chennai
Date: May 19, 2009
M S Sundara Rajan
67
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{XZmH$ Anb 27, 2009
68
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(E_ Eg gwXa amOZ)

A`j Ed n~Y {ZXoeH$ Ed grBAmo
CEO & CFO Certicate under Clause 49 of the Listing Agreement
To
The Board of Directors
Indian Bank
This is to certify that
(a)
We have reviewed nancial statements and the cash

ow statement of Indian Bank for the year 2008-09 and
that to the best of our knowledge and belief:
(i) these statements do not contain any materially
untrue statement or omit any material fact or
contain statements that might be misleading;
(ii) these statements together present a true and fair
view of the Banks affairs and are in compliance
with existing accounting standards, applicable laws
and regulations.
(b)
(c)
There are, to the best of our knowledge and belief, no

transactions entered into by the Bank during the year
which are fraudulent, illegal or violative of the Banks
codes of conduct, other than 70 cases already reported
to the Board of the Bank, 87 cases reported to RBI for
information.
We accept responsibility for establishing and
maintaining internal controls for nancial reporting and
that we have evaluated the effectiveness of the internal
control systems of the Bank pertaining to nancial
reporting and we have disclosed to the auditors and

the Audit Committee, deciencies in the design or
operation of internal controls, if any, of which we are
aware and the steps we have taken or propose to take
to rectify these deciencies.
(d)
We have indicated to the auditors and the Audit

Committee
(i) signicant changes in internal control over nancial
reporting during the year.
(ii) signicant changes in accounting policies during
the year and that the same have been disclosed in
the notes to the nancial statements; and
(iii) instances of signicant fraud of which we have
become aware and the involvement therein, if
any, of the management or an employee having a
signicant role in the Banks internal control system
over nancial reporting.
(V.Ganesan)
(M.S.Sundara Rajan)
General Manager & CFO
Chairman & Managing Director & CEO
Place: Chennai
Date: April 27, 2009
69
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^r Zht h Ama Z hr `h ~H$ Ho$ {dVr` {ddaUm| na h_mao _V H$m nH$Q>rH$aU h&
h Ama Z ~H$ Ho$ H$m`m| Ho$ gMmbZ _| n~YZ H$s XjVm `m n^mdmonmXH$Vm h&
H$Vo Ama gw~_{U`Z ES> H$
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gZXr boImH$ma
gZXr boImH$ma
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Ama nr AJadmb
Or Eg am_MX amd
gmPoXma
(E_ g 008460)
gmPoXma
(E_ g 051979)
gmPoXma
(E_ g 004865)
H$Vo nr Eb {_Vb ES> H$nZr

gZXr boImH$ma
H$Vo {ddZmWZ ES> dm{ZmWZ

gZXr boImH$ma
H$Vo JUogZ ES> H$nZr

gZXr boImH$ma
nr Eb {_Vb
Eg gwXa am_Z
gmPoXma
(Eg dm{_ZmWZ)
gmPoXma
(E_ g`m 014278)
WmZ MoZ
{XZmH$ 27 Anb, 2009
70
H$Vo Ama Jmonmb ES> Agmo{gòQ>g
(E_ g`m 022137)
gmPoXma
(E_ g`m 023998)
AUDITORS CERTIFICATE ON CORPORATE GOVERNANCE
To,
On the basis of the records and documents maintained by
The Members of Indian Bank
the Bank and the information and explanations given to
We have examined the compliance of conditions of

Corporate Governance by INDIAN BANK for the year ended
March 31, 2009 as stipulated in Clause 49 of the Listing
Agreement of the said Bank with the Stock Exchanges.
The Compliance of conditions of Corporate Governance is
the responsibility of the Management. Our examination was
limited to procedures and implementation thereof, adopted
by the bank for ensuring the compliance of conditions of
the Corporate Governance. It is neither an audit nor an
expression of opinion on the nancial statements of the
Bank.
us, in our opinion, we certify that the Bank has complied

with the conditions of Corporate Governance as stipulated
in the above mentioned listing agreement with the Stock
Exchanges.
We state that no investor grievance is pending for a period
exceeding one month against the Bank as per the records
maintained by the Shareholders and Investors Grievance
Committee.
We further state that such compliance is neither an assurance
as to the future viability of the Bank nor the efciency or
effectiveness with which the Management has conducted
the affairs of the Bank.
For R SUBRAMANIAN AND COMPANY
For R GOPAL & ASSOCIATES
For GRANDHY & CO.,
Chartered Accountants
R. Subramanian
R. P. Agarwal
G. S. Ramachandra Rao
Partner
Partner
Partner
(M. No. 008460)
(M. No. 051979)
(M. No. 004865)
For P L MITTAL & CO.,
For VISWANATHAN & SWAMINATHAN
For GANESAN AND COMPANY
P.L. Mittal
S.Sundara Raman
S. Swaminathan
Partner
Partner
Partner
(M. No. 014278)
(M. No. 022137)
(M. No. 023998)
Place : Chennai
Date : April 27, 2009
71
`h n> Imbr N>moS>m J`m h&

This page is intentionally left blank
72
VwbZ n
bm^ d hm{Z boIm Ed AZwgy{M`m
BALANCE SHEET,
PROFIT AND LOSS ACCOUNT AND SCHEDULES
73
31 _mM 2009 H$mo VwbZ n

BALANCE SHEET AS ON 31ST MARCH, 2009
(#i, gtkjksa esa)

(Rs. In Thousands)
AZwgyMr g.
{ddaU PARTICULARS
Sch.No.
nyOr d Xo`VmE CAPITAL & LIABILITIES

nyOr Capital
Ama{j{V`m Ama A{Yeof Reserves and Surplus
O_mE Deposits
CYma Borrowings
A` Xo`VmE Ama nmdYmZ Other Liabilities & Provisions
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
829 77 00
6306 14 17
72581 83 10
530 78 30
3873 22 02
829 77 00
4330 72 49
61045 94 73
1283 23 98
3018 00 52
84121 74 59
70507 68 72
6211 57 51
6432 94 46
7
8
9
10
11
472 24 36
22800 56 66
51465 28 10
1594 22 47
1577 85 49
84121 74 59
339 87 83
21915 06 65
39838 71 38
539 27 06
1441 81 34
70507 68 72
12
17418 99 83
1631 36 09
12736 02 43
1561 78 62
1
2
3
4
5
Hw$b TOTAL
AmpV`m ASSETS
^maVr` [aOd ~H$ _|o ZH$X Ama A{Yeof
Cash & Balances with R B I
~H$m| _| eof Ed _mJ VWm An gyMZm na nm` YZam{e

Balances with Banks and Money at Call and Short Notice
{Zdoe Investments
A{J_ Advances
AMb AmpV`m Fixed Assets
A` AmpV`m Other Assets
Hw$b TOTAL
AmH$p_H$ Xo`VmE Contingent Liabilities
dgybr Ho$ {bE {~b Bills for Collection
boIm| na {Q>n{U`m Notes on Accounts
_w` boImH$aU Zr{V`m Signicant Accounting Policies
17
18
ij lanfHkZr vuqlwph] rqyu i= ds vfHkUu vax gSa

Schedules referred to above form an integral part of the Balance Sheet
E_ Eg gwXa amOZ
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
M S SUNDARA RAJAN
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
Executive Director
Executive Director
General Manager
DIRECTORS:
dqekj lat; H$U KUMAR SANJAY KRISHNA gr Ama JmonmbgwXa_ C R GOPALASUNDARAM, AemoH$ Jwm ASHOK GUPTA, Q>r Q>r ZQ>amOZ T T NATARAJAN,
S>m Or gwYmH$a amd DR G SUDHAKAR RAO, lr_Vr gm[a`m ImZ Mrs. SARIA KHAN, izks- ujsUnz dqekj vxzoky PROF. NARENDRA KUMAR AGRAWAL
AUDITORS:
d`rs vkj- lqczef.k;u ,aM daiuh
d`rs vkj xksiky ,aM ,lksfl,V
d`rs xza/kh ,aM daiuh
For GRANDHY & CO.,
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
vkj- lqczef.k;u
vkj- ih- vxjoky
th- ,l- jkepUnz jko
R SUBRAMANIAN
R P AGARWAL
G S RAMACHANDRA RAO
gmPoXma
gmPoXma
gmPoXma
Partner
(M.No. 008460)
Partner
(M.No. 051979)
Partner
(M.No. 004865)
d`rs ih ,y feRry ,aM daiuh
d`rs fooukFku ,aM LokehukFku
d`rs x.kslu ,aM daiuh
For P L MITTAL & CO
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
ih ,y feRry
,l lqjsUnz jkeu
,l- LokehukFku
P L MITTAL
S SUNDARA RAMAN
S SWAMINATHAN
gmPoXma
gmPoXma
gmPoXma
Partner
(M.No. 014278)
Partner
(M.No. 022137)
Partner
(M.No. 023998)
WmZ Place MoZ Chennai

VmarI Date : 27.04.2009
74
31 _mM 2009 H$mo g_m df hoVw bm^ Ed hm{Z boIm

PROFIT AND LOSS ACOUNT FOR THE YEAR ENDED 31st MARCH, 2009
(#i, gtkjksa esa)

(Rs. In Thousands)
AZwgyMr g. 31.03.2009 H$mo g_m df 31.03.2008 H$mo g_m df
{ddaU PARTICULARS
Sch.No. Year ended 31.03.2009 Year ended 31.03.2008
I. Am` INCOME
A{OV `mO Interest earned
A` Am` Other Income
13
14
6830 32 99
1035 44 47
5212 97 93
1005 68 78
7865 77 46
6218 66 71
4221 81 82
1415 12 62
983 50 72
3159 07 67
1400 29 41
650 55 70
6620 45 16
5209 92 78
III. bm^ /hm{Z PROFIT/LOSS

df Ho$ {bE {Zdb bm^ Net Prot for the year
AJmZrV bm^ Prot Brought forward
1245 32 30
84 26 09
1008 73 93
80 68 74
Hw$b TOTAL
1329 58 39
1089 42 67
313 00 00
24 12 72
54 00 00
11 09 19
531 00 00
15 00 00
252 00 00
1 37 48
60 00 00
Nil
434 71 90
15 00 00
214 88 50
37 50 00
42 89 28
86 08 70
171 90 80
35 00 00
35 16 40
84 26 09
1329 58 39
1089 42 67
27.96
22.52
Hw$b TOTAL
II. `` EXPENDITURE
`` {H$`m J`m `mO Interest expended
n[aMmbZ `` Operating expenses
nmdYmZ Ed AmH$p_H$Vm`| Provisions & Contingencies
15
16
Hw$b TOTAL
IV. {d{Z`moOZ APPROPRIATIONS

{ZZ H$mo AV[aV Transfers to:
gm{d{YH$ [aOd {Z{Y Statutory Reserves
nyOr [aOd Capital Reserve
Ymam 36(1) (viii) Ho$ AVJV {deof [aOd Special Reserve u/s 36(1)(viii)
{Zdoe [aOd Investment Reserve
amOd [aOd Revenue Reserve
Q>m\$ H$`mU {Z{Y Staff Welfare Fund
nVm{dV bZfDoVh bm^me (ZmoQ> g. 10 XoI|o) Proposed Equity Dividend (refer
Note no.10)
nVm{dV A{Y_m` bm^me Proposed Preference Dividend
bm^me {dVaU H$a Dividend Distribution Tax
VwbZ n H$mo bo Om`m J`m eof Bal. carried over to Balance Sheet
Hw$b TOTAL
n{V eoà AOZ, n`m| _| (ewy Ama H$_ {H$`m J`m)
Earnings Per Share in Rs. (basic & diluted)
boIm| na {Q>n{U`m Notes on Accounts
_w` boImH$aU Zr{V`m Signicant Accounting Policies
ij lanfHkZr vuqlwph] rqyu i= ds vfHkUu vax gSa
Schedules referred to above form an integral part of the Balance Sheet
17
18
E_ Eg gwXa amOZ
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
M S SUNDARA RAJAN
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
Executive Director
Executive Director
General Manager
DIRECTORS:
Hw$ma gO H$U KUMAR SANJAY KRISHNA gr Ama JmonmbgwXa_ C R GOPALASUNDARAM, AemoH$ Jwm ASHOK GUPTA, Q>r Q>r ZQ>amOZ T T NATARAJAN,
S>m Or gwYmH$a amd DR G SUDHAKAR RAO, lr_Vr g[a`m ImZ Mrs. SARIA KHAN, izks- ujsUnz dqekj vxzoky PROF. NARENDRA KUMAR AGRAWAL
AUDITORS:
d`rs xzkaMh ,aM daiuh
For GRANDHY & CO.,
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
vkj- lqczef.k;u
vkj- ih- vxjoky
th- ,l- jkepUnz jko
R SUBRAMANIAN
R P AGARWAL
G S RAMACHANDRA RAO
gmPoXma
gmPoXma
gmPoXma
Partner
(M.No. 008460)
Partner
(M.No. 051979)
Partner
(M.No. 004865)
For P L MITTAL & CO
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
ih ,y feRry
,l lqjsUnz jkeu
,l- LokehukFku
P L MITTAL
S SUNDARA RAMAN
S SWAMINATHAN
gmPoXma
gmPoXma
gmPoXma
Partner
(M.No. 014278)
Partner
(M.No. 022137)
Partner
(M.No. 023998)

VmarI Date : 27.04.2009
75
AZwgwMr 1- iwath
(#i, gtkjksa esa)
SCHEDULE 1- CAPITAL
(Rs. In Thousands)
{ddaU PARTICULARS
1.
31.03.2008 H$mo
As on 31.03.2008
nm{YH$V nyOr Authorised Capital

nòH$ . 10/- Ho$ 150,00,00,000 bZfDoVh eoà
150,00,00,000 Equity Shares of Rs.10/- each
nòH$ . 100/- Ho$ 4,00,00,000 Wm`r Ja-gM`r A{Y_m` eoà
4,00,00,000 Perpetual Non-Cumulative Preference Shares of Rs.100/- each
2.
31.03.2009 H$mo
As on 31.03.2009
1500 00 00
1500 00 00
400 00 00
400 00 00
343 82 00
343 82 00
85 95 00
85 95 00
429 77 00
429 77 00
Omar, A{^XV Ama AXm {H$E JE Issued, Subscribed and Paid up:
H$. Ho$Xr` gaH$ma mam aIo JE nòH$ .10/- Ho$ 34,38,20,000 bZfDoVh eoà
a. 34,38,20,000 Equity shares of Rs.10/- each held by Central Government
I. OZVm mam aIo JE nòH$ .10/- Ho$ 8,59,50,000 bZfDoVh eoà
b. 8,59,50,000 Equity shares of Rs.10/- each held by Public
Hw$b TOTAL
A{Y_m` eoà Preference Shares :
H|$Xr` gaH$ma mam aIo JE nòH$ .100/- Ho$ 4,00,00,000 Wm`r Ja gM`r A{Y_m` eoà
4,00,00,000 - Perpetual Non Cumulative Preference Shares of Rs.100/- each
held by Central Govt.
Hw$b TOTAL
76
400 00 00
400 00 00
829 77 00
829 77 00
AZwgwMr 2- vkjf{kfr;ka vkSj vf/kksf
(#i, gtkjksa esa)
SCHEDULE 2- RESERVES AND SURPLUS

{ddaU PARTICULARS
(Rs. In Thousands)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
gm{d{YH$ Ama{j{V`m STATUTORY RESERVES

H$) AWeof a. Opening Balance
I) df Ho$ XmamZ OmoS> b. Additions during the year
Hw$b TOTAL I
II
nyOrJV Ama{j{V`m CAPITAL RESERVES
H$) A nwZ_y`mH$Z Ama{j{V`m Revaluation Reserve
H$) AWeof a. Opening Balance
I) df Ho$ XmamZ OmoS> b. Additions during the year
J) df Ho$ XmamZ H$Q>m{V`m c. Deductions during the year
Hw$b (E) Total (A)
I) B
III
IV
A` Others
I) df Ho$ XmamZ OmoS> a) Opening Balance
I) df Ho$ XmamZ H$Q>m{V`m b) Additions during the year
Hw$b (~r) Total (B)
Hw$b II (E + ~r)TOTAL II (A + B)
eooà nr{_`_ SHARE PREMIUM
H$) AWeof Opening Balance
Hw$b TOTAL III
amOd Ama A` Ama{j{V`m REVENUE AND OTHER RESERVES
H$) amOd Ama{j{V`m A) Revenue Reserve
AWeof Opening Balance
df Ho$ XmamZ OmoS> Additions during the year
1. 31.03.07 H$mo S>rQ>rE ({Zdb) Ho$ H$maU AV[aV am{e
Amount trfd on account of DTA (net) as at 31.03.07
2. bm^ Ed hm{Z boIo go AV[aV
TRFD from Prot & Loss a/c
df Ho$ XmamZ H$Q>m{V`m Deductions during the year
Hw$b (E) Total (A)
1075 48 80
313 00 00
823 48 80
252 00 00
1388 48 80
1075 48 80
215 22 92
1057 76 00
17 37 38
219 44 96
Nil
4 22 04
1255 61 54
215 22 92
6 42 95
24 12 72
5 05 47
1 37 48
30 55 67
6 42 95
1286 17 21
221 65 87
696 19 50
696 19 50
696 19 50
696 19 50
2193 12 23
1186 12 33
Nil
572 28 00
531 00 00
1 46
434 71 90
Nil
2724 10 77
2193 12 23
60 00 00
54 00 00
Nil
60 00 00
114 00 00
60 00 00
I) AmBQ>r A{Y{Z`_ H$s Ymam Ho$ 36(1)(Viii) Ho$ AVJV {deof [aOd
B) Special Reserve U/S 36(1)(viii) of IT Act
Hw$b (~r) Total (B)
C) fuosk fjtoZ Investment Reserve
Hw$b (g) Total (C)

Hw$b IV (E + ~r) TOTAL IV (A + B + C)
bm^ Ed hm{Z ImVm PROFIT & LOSS ACCOUNT
Hw$b TOTAL V
Hw$b
TOTAL (I + II + III + IV + V)
11 09 19
Nil
11 09 19
Nil
2849 19 96
2253 12 23
84 26 09
1 82 61
80 68 74
3 57 35
86 09 70
84 26 09
6306 14 17
4330 72 49
77
AZwgwMr 3- O_mE
(#i, gtkjksa esa)
SCHEDULE 3- DEPOSITS
{ddaU PARTICULARS
(Rs. In Thousands)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
(A) I. _mJ O_mam{e`m A. I. DEMAND DEPOSITS

i. ~H$m| go From Banks
ii. A`m| go From Others
40 53 71
5252 03 21
30 89 04
4704 08 75
Hw$b TOTAL
5292 56 92
4734 97 79
17666 79 01
15010 59 37
1059 99 16
48562 48 01
49622 47 17
72581 83 10
936 37 91
40363 99 66
41300 37 57
61045 94 73
69658 76 75
2923 06 35
58905 14 44
2140 80 29
72581 83 10
61045 94 73
II.
~MV ~H$ O_mam{e`m SAVINGS BANK DEPOSITS

III. gmd{Y O_mam{e`m TERM DEPOSITS
ii. A`m| go From Others
Hw$b TOTAL
Hw$b (I+II+III) TOTAL (I+II+III)
(Am) I . ^maV _| pWV emImAm| H$s O_mE
B. i) Deposits of branches in India
II. ^maV Ho$ ~mha emImAm| H$s O_mE Deposits of branches outside India
Hw$b TOTAL
AZwgwMr 4- CYma
(#i, gtkjksa esa)
SCHEDULE 4- BORROWINGS
{ddaU PARTICULARS
(Rs. In Thousands)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
I.
^maV _| CYma BORROWINGS IN INDIA

i) ^maVr` [aOd ~H$ Reserve Bank of India
ii) A` ~H$ Other Banks
iii) A` gWmE Ama A{^H$aU Other Institutions and Agencies
Hw$b TOTAL
II. ^maV Ho$ ~mha CYma BORROWINGS OUTSIDE INDIA *
Hw$b (I d II) TOTAL (I+II)
D$na g_m{hV izfrHkwr CYma Secured Borrowings included above
* ZmQ>mo {_aa eofm| H$s Ag_m`mo{OV _X| Ed _mJW _Xm| H$mo em{_b H$aVo hE
* Includes pipeline and un-adjusted items in Nostro Mirror Balances
78
Nil
Nil
Nil
121 84 61
Nil
748 07 72
121 84 61
748 07 72
408 93 69
535 16 26
530 78 30
1283 23 98
ey`
ey`
Nil
Nil
AZwgwMr 5- A` Xo`VmE Ama mdYmZ
(#i, gtkjksa esa)
SCHEDULE 5- OTHER LIABILITIES AND PROVISIONS

{ddaU PARTICULARS
i.
ii.
iii.
iv.
(Rs. In Thousands)
31.03.2009 H$mo
As on 31.03.2009
Xoo` {~b Bills Payable

AVa - H$m`mb` g_m`moOZ ({Zdb) Inter Ofce Adjustments(Net)
nmoX^yV `mO Interest Accrued
A` (nmdYmZ g{hV) Others(including Provisions) *
Hw$b TOTAL
31.03.2008 H$mo
As on 31.03.2008
165 20 62
733 58 21
283 53 39
2690 89 80
257 24 82
418 23 64
247 89 66
2094 62 40
3873 22 02
3018 00 52
* {Q>à II nyOr - 300 H$amoS> Ho$ JmU F$U em{_b h&

* includes Tier II Capital - Subordinated debt of Rs.300 crore
AZwgwMr 6- ^maVr` [aOd ~H$ _| ZH$X Ama eof
(#i, gtkjksa esa)
SCHEDULE 6- CASH AND BALANCES WITH RESERVE BANK OF INDIA
(Rs. In Thousands)
{ddaU PARTICULARS
I.
31.03.2008 H$mo
As on 31.03.2008
hmW _| ZH$Xr ({dXoer _wXm ZmoQ> gp_{bV h)

248 02 60
189 48 32
Balances with Reserve Bank of India in Current Account
5963 54 91
6243 46 14
Hw$b ( I + II )
6211 57 51
6432 94 46
Cash in hand (including foreign currency notes)

II.
31.03.2009 H$mo
As on 31.03.2009
^maVr` [aOd ~H$ Ho$ gmW Mmby ImVo _| eof

TOTAL (I+II)
AZwgwMr 7- ~H$m| _| eof Ed _mJ VWm An gyMZm na m` YZam{e
(#i, gtkjksa esa)
SCHEDULE 7- BALANCE WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
(Rs. In Thousands)
{ddaU PARTICULARS
^maV _| IN INDIA
^maV _| ~H$m| _| eof Balances with Banks
H$. Mmby ImVoo _| in Current Account
I. A` O_m ImVm| _| in Other Deposit Accounts
Hw$b (i) TOTAL (i)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
I.
i)
57 18 48
101 82 34
68 56 74
1 00 93
159 00 82
69 57 67
ii) _mJ na VWm An gyMZm na nm` YZam{e (~H$m| Ho$ gmW )

Money at Call and Short Notice (with Banks)
50 00 00
100 00 02
Hw$b (ii) TOTAL (ii)
50 00 00
100 00 02
209 00 82
169 57 69
143 46 47
110 44 28
9 32 79
105 75 14
56 27 83
8 27 17
Hw$b (i + ii + iii) TOTAL (i + ii + iii)
263 23 54
170 30 14
Hw$b `moJ ( I + II ) GRAND TOTAL (I +II)
472 24 36
339 87 83
Hw$b (I + II) TOTAL (i + ii)

II.
^maV Ho$ ~mha OUTSIDE INDIA

i) Mmby ImVksa _| in Current Accounts
ii) A` O_m ImVm| _| in other Deposit Accounts
iii) _mJ na VWm An gyMZm na nm` YZam{e Money at Call and Short Notice
79
AZwgwMr 8- {Zdoe
(#i, gtkjksa esa)
SCHEDULE 8- INVESTMENTS
{ddaU PARTICULARS
I.
^maV _| {Zdoe INVESTMENTS IN INDIA

i. gaH$mar n{V^y{V`m Government Securities
ii. A` AZw_mo{XV n{V^y{V`m Other approved Securities
iii. eoà Shares
iv. {S>~|Ma Ama ~mS> Debentures and bonds
v. AZwf{J`m Ama / `m g`wV C_ Subsidiaries and/or joint ventures
vi. A` (`wMwAb \$S> `y{ZQ>, O_m n_mU-n Ed Am`b ~mS>)
Others (Mutual Fund Units, Cert. of Deposits & Oil Bonds)
Hw$b TOTAL
II. ^maV Ho$ ~mha {Zdoe INVESTMENT OUTSIDE INDIA
i. gaH$mar n{V^y{V`m (WmZr` nm{YH$mar g{hV)
Government Securities (including local authorities)
A` {Zdoe Other investments
H$ eoà (a) Shares
I F$U n{V^y{V`m (b) Debt Securities
(Rs. In Thousands)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
18822 59 19
350 82 07
306 89 02
1829 47 79
8 51 49
17468 08 29
435 18 99
419 01 67
1586 75 76
8 51 49
560 95 30
1167 94 52
21879 24 86
21085 50 72
632 66 38
560 80 08
88 23
287 77 19
22 20
268 53 65
ii.
Hw$b TOTAL
Hw$b `moJ ( I + II) GRAND TOTAL (I+II)
III. ^maV _| gH$b Ed {Zdb {Zdoe GROSS AND NET INVESTMENTS IN INDIA
(i) gH$b Gross
(ii) KQ>mE_y`hmg Ho$ {bE nmdYmZ Less:Provision for depreciation
(iii) {Zdb (H$) Net (A)
IV. ^maV Ho$ ~mha OUTSIDE INDIA
gH$b _y` / {Zdb _y` Gross Value / Net Value (B)
{Zdb Hw$b `moJ (H$) + (I) NET GRAND TOTAL (A+B)
80
921 31 80
829 55 93
22800 56 66
21915 06 65
22245 86 49
366 61 63
21290 16 84
204 66 12
21879 24 86
21085 50 72
921 31 80
829 55 93
22800 56 66
21915 06 65
AZwgwMr 9- A{J_
(#i, gtkjksa esa)
SCHEDULE 9- ADVANCES
(Rs. In Thousands)
{ddaU PARTICULARS
A.
i)
ii)
iii.
Am.
i)
1282 94 84
1240 08 70
Cash Credit, Overdrafts and loans repayable on demand
18485 25 25
31697 08 01
13860 19 66
24738 43 02
51465 28 10
39838 71 38
40955 10 53
31004 88 54
4410 55 52
6099 62 05
3007 05 04
5826 77 80
51465 28 10
39838 71 38
18258 78 07
4933 51 18
1 90
25322 82 80
14995 46 41
5355 70 66
8 55
17475 79 75
48515 13 95
37827 05 37
437 48 54
399 40 89
407 47 92
1353 48 25
751 69 44
312 53 88
797 93 34
501 77 90
2950 14 15
2011 66 01
51465 28 10
39838 71 38
gmd{Y CYma Term Loans

Hw$b TOTAL
_yV AmpV`m| mam n{V^yV (~hr F$Um| na A{J_ gp_{bV h)
~H$ / gaH$mar n{V^y{V`m| mam H$da {H$`m J`m
Covered by bank/Government guarantee

iii) An{V^yV Unsecured
Hw$b TOTAL
B
31.03.2008 H$mo
As on 31.03.2008
H$` {H$E JE Ama ^wZmò JE {~b Bills purchased and discounted

ZH$X CYma, Amoda S>mQ> Ama _mJ na n{VXo` CYma
Secured by tangible assets (includes advance against bookdebts)

ii)
31.03.2009 H$mo
As on 31.03.2009
^maV _| A{J_ ADVANCES IN INDIA

i. nmW{_H$Vm nm jo Priority Sector
ii. gmdO{ZH$ jo Public Sector
iii. ~H$ Banks
iv. A` Others
Hw$b TOTAL
II.
^maV Ho$ ~mha A{J_ ADVANCES OUTSIDE INDIA

i) ~H$m| go nm` am{e`m Dues from Banks
ii) A`m| go nm` am{e`m Dues from others
H$) H$` {H$ò JE Ama ^wZmò JE {~b a) Bills Purchased and discounted
I) gm_y{hH$ F$U b) Syndicated loans
J) A` c) Others
Hw$b TOTAL
Hw$b `moJ ( I + II) GRAND TOTAL (I+II)
81
AZwgwMr 10- AMb AmpV`m
(#i, gtkjksa esa)
SCHEDULE 10- FIXED ASSETS
(Rs. In Thousands)
{ddaU PARTICULARS
I
31.03.2009 H$mo
31.03.2008 H$mo
As on 31.03.2009
As on 31.03.2008
n[aga PREMISES
nyddVu df Ho$ VwbZ-n Ho$ AZwgma bmJV / nwZ_y`mH$Z na
AVZ _y` hmg Depreciation to date
422 17 55
1064 45 52
1486 63 07
Nil
1486 63 07
136 04 22
421 23 04
94 51
422 17 55
Nil
422 17 55
115 00 73
Hw$b TOTAL
1350 58 85
307 16 82
4 56 89
5 41 68
628 54 82
98 97 28
545 43 68
91 66 19
AVZ _y`hmg Depreciation to date
727 52 10
19 97 97
707 54 13
468 47 40
637 09 87
8 55 05
628 54 82
401 86 26
Hw$b TOTAL
239 06 73
226 68 56
Hw$b TOTAL (I+II+III)
1594 22 47
539 27 06
At cost/revaluation as per the last Balance Sheet

df Ho$ XmamZ OmoS> / g_m`moOZ Additions/Adjustments during the year
II
{Z_mUmYrZ ^dZ BUILDINGS UNDER CONSTRUCTION
III
A` AMb AmpV`m (\$ZuMa Ama {\$gMa gp_{bV h)

OTHER FIXED ASSETS (including Furniture and Fixtures)
nyddVu df Ho$ VwbZ-n Ho$ AZwgma bmJV na At cost as per last Balance Sheet
df Ho$ XmamZ OmoS> / g_m`moOZ Additions/Adjustments during the year
AZwgwMr 11- A` AmpV`m
(#i, gtkjksa esa)
SCHEDULE 11- OTHER ASSETS
{ddaU PARTICULARS
I
II
III
IV
82
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
nmoX^yV `mO Interest Accrued

nXV A{J_ H$a / moV na H$mQ>m J`m H$a
447 26 51
441 51 79
Tax paid in advance/tax deducted at source
197 89 49
126 05 51
13 02 66
12 72 41
24 00
24 00
A` Others
919 42 83
861 27 63
Hw$b TOTAL
1577 85 49
1441 81 34
boIZ gm_Jr Ama Q>mn Stationery and Stamps

Xmdm| H$s gVw{> _| nm H$s J`r Ja-~H$H$mar AmpV`m
Non-banking assets acquired in satisfaction of claims
(Rs. In Thousands)
AZwgwMr 12- AmH$p_H$ Xo`VmE
(#i, gtkjksa esa)
SCHEDULE 12- CONTINGENT LIABILITES
(Rs. In Thousands)
31.03.2009 H$mo
As on 31.03.2009
{ddaU PARTICULARS
I
31.03.2008 H$mo
As on 31.03.2008
~H$ Ho$ {d Xmdo {Oh| F$U Ho$ $n _| drH$ma Zht {H$`m J`m h
II
III
IV
Claims against the bank not acknowledged as debts

AeV gXV {Zdooem| Ho$ {bE Xo`Vm Liability for partly paid investments
170 57 99
8 00
9371 02 60
6525 75 10
4419 88 69
48 60 80
2891 73 18
10 82 55
3251 42 95
2862 69 45
164 92 69
274 36 16
17418 99 83
12736 02 43
~H$m`m dm`Xm {d{Z_` g{dXmAm| Ho$ H$maU Xo`Vm

Liability on account of outstanding forward exchange contracts
gKQ>H$m| H$s Amoa go Xr JB n`m^yqV Guarantee given on behalf of constituents
H$. ^maV _| a) In India
I. ^maV Ho$ ~mha b) Outside India
drH${V`m, n>mH$Z Ama A` ~m`VmE

Acceptance, Endorsements and other obligations
VI
163 04 10
8 00
A` _X| {OZHo$ {bE ~H$ AmH$p_H$ $n go CVaXm`r h

Other items for which the bank is contingently liable
Hw$b TOTAL
AZwgwMr 13- A{OV `mO
(#i, gtkjksa esa )
SCHEDULE 13- INTEREST EARNED

{ddaU PARTICULARS
I
II
III
(Rs. In Thousands)
31.03.2009 H$mo g_m df
31.03.2008 H$mo g_m df
Year ended 31.03.2009 Year ended 31.03.2008
A{J_m| / {~bm| na `mO / ~Q>Q>m Interest/Discount on Advances/Bills

{Zdoem| na Am` Income on Investments
^maVr` [aOd ~H$ Ho$ gmW eof Ama A` AVa ~H$ {Z{Y`m| na `mO
Interest on balances with Reserve Bank of India and other Inter Bank funds
IV
A` Others
Hw$b TOTAL
5086 69 98
1687 33 36
3502 68 49
1665 03 37
56 21 54
8 11
45 17 00
9 07
6830 32 99
5212 97 93
AZwgwMr 14- A` Am`
(#i, gtkjksa esa)
SCHEDULE 14- OTHER INCOME

{ddaU PARTICULARS
I.
II.
III
H$_reZ, {d{Z_` Ama Xbmbr Commission, Exchange and Brokerage

{Zdoem| Ho$ {dH$` na bm^ Prot on Sale of Investments
KQ>mE {Zdoem| Ho$ {dH$` na hm{Z Less: Loss on Sale of Investments
{Zdoem| Ho$ {dH$` na bm^ ({Zdb) Prot on Sale of Investments (Net)
{Zdoem| Ho$ nwZ_y`mH$Z na bm^ Prot on revaluation of Investments
KQ>mE {Zdoem| Ho$ nwZ_y`mH$Z na hm{Z Less: Loss on revaluation of Investments
{Zdoem| Ho$ nwZ_y`mH$Z na bm^ ({Zdb)
Prot on revaluation of Investments(Net)
IV
(Rs. In Thousands)
31.03.2009 H$mo g_m df 31.03.2008 H$mo g_m df
Year ended 31.03.2009 Year ended 31.03.2008
232 24 17
199 00 49
4 23 65
194 76 84
Nil
Nil
179 29 81
191 67 34
12 66 11
179 01 23
Nil
Nil
Nil
Nil
54 03
18 55
47 21
70 67
6 82
105 16 93
(52 12)
99 96 44
12 06 36
491 13 35
4 67 33
543 26 09
1035 44 47
1005 68 78
^y{_, ^dZm| Ama A` AmpV`m| Ho$ {dH$` na bm^

Prot on sale of land, buildings and other assets
KQ>mE ^y{_, ^dZm| Ama A` AmpV`m| Ho$ {dH$` na bm^

Less: Loss on Sale of Land, Bldgs. & Other Assets
^y{_, ^dZm| Ama A` AmpV`m| Ho$ {dH$` na bm^ ({Zdb)

V
VI
VII.
Prot on sale of land, buildings and other assets (Net)

{d{Z_` g`dhmam|| na bm^ ({Zdb) Prot on exchange transactions (Net)
{dXoe / ^maV _| Wm{nV AZwf{ J`m| / H$n{Z`m| Ama / `m g`w V C_m| go bm^me Am{X Ho$ $n _| A{OV Am`
Income earned by way of dividends, etc., from Subsidiaries/Companies
and/or Joint ventures abroad/in India
{d{dY Am` (ZmoQ> g. 11 XoI|) Miscellaneous Income (refer Note No.11)
Hw$b TOTAL
83
AZwgwMr 15- `` {H$`m x`m `mO
(#i, gtkjksa esa)
SCHEDULE 15- INTEREST EXPENDED
(Rs. In Thousands)
31.03.2009 H$mo g_m df
Year ended 31.03.2009
{ddaU PARTICULARS
I
II
O_mAm| na `mO Interest on deposits

^maVr` [aOd ~H$ / AVa ~H$ CYmam| na `mO
III
Interest on Reserve Bank of India/Inter Bank borrowings

A` Others
Hw$b TOTAL
31.03.2008 H$mo g_m df

4061 43 91
2979 54 96
101 32 27
59 05 64
58 59 09
120 93 62
4221 81 82
3159 07 67
AZwgwMr 16- n[apkbZ ``
(#i, gtkjksa esa)
SCHEDULE 16- OPERATING EXPENSES
(Rs. In Thousands)
{ddaU PARTICULARS
I
II
III
IV
V
31.03.2009 H$mo g_m df
31.03.2008 H$mo g_m df
979 76 16
99 65 11
18 54 56
8 86 22
967 39 47
90 15 31
17 20 61
12 20 61
84 55 76
43 94
102 44 98
44 30
13 18 11
4 25 56
5 55 52
33 55 64
62 90 39
103 85 65
13 88 53
3 70 93
8 74 75
25 75 14
52 41 60
105 93 18
1415 12 62
1400 29 41
H$_Mm[a`m| H$mo ^wJVmZ Ama CZHo$ {bE nmdYmZ

Payments to and provisions for employees
{H$am`m, H$a Ama nH$me `dWm Rent, Taxes and Lighting
_wXU Ama boIZ gm_Jr Printing and Stationery
{dkmnZ Ama nMma Advertisement and Publicity
~H$ H$s gnpV na _y`hmg

Depreciation on Banks property
31.03.09
31.03.08
1019314
1066702
KQ>mE nwZ_y`mH$Z [aOd go AV[aV

Less: Transferred from Revaluation Reserve
173738
42204
845576 1024498
{ZXoeH$m| H$s \$sg, ^Vo Ama `` Directors fees, allowance and expenses
VI
VII
boIm narjH$m| H$s \$sg Ama `` ( emIm boIm narjH$m| H$s \$sg Ama `` g{hV)
VIII
IX
X
XI
XII
Auditors fees and expenses(including branch auditors)

{d{Y n^ma Law Charges
S>mH$, Vma Ama Qo>br\$moZ Am{X Postage, Telegrams and Telephones
_a_V Ama AZwajU Repairs and Maintenance
~r_m Insurance
A` `` Other Expenditure
Hw$b TOTAL
84

85
AZwgyMr - 17 boIm| na {Q>n{U`m

1
nyOr
31.03.2009
31.03.2008
_X|
13.27
12.74
i. grAmaEAma (%)
11.28
11.29
ii. grAmaEAma - {Q>à I nyOr (%)*
1.99
1.45
iii. grAmaEAma - {Q>à II nyOr (%)*
80.00
80.00
iv. ^maV gaH$ma Ho$ eoàYmaU H$m n{VeV
ey`
ey`
v. {Q>à II nyOr Ho$ $n _| CR>mB JB (df Ho$ XmamZ) JmU H$O H$s am{e
* 31.03.2009 VH$ ~H$ H$s nyOr n`mVm AZwnmV ~ogb II _mZXS>m| Ho$ AZwgma 13.98 n{VeV h Ama ~ogb I _mZXS>m| Ho$ AZwgma 13.27 n{VeV h& ^maVr`
[aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma, ~ogb I Ama ~ogb II _mZXS>m| Ho$ AVJV AmH${bV `yZV_ grAmaEAma H$mo 31.03.2009 VH$ ~H$ mam XO grAmaEAma
Ho$ $n _| [anmoQ> {H$`m OmZm Mm{hE&
2.
2.1.
{Zdoe
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma, ~H$ Ho$ Xoer gH$b {Zdoe g{d^mJ H$mo VrZ gdJm| _| ~mQ>m J`m h& 31.03.09 H$mo `h dJuH$aU {ZZ nH$ma go h
(. H$amoS> _|)
31.03.2009
31.03.2008
dJuH$aU
am{e
n{VeV
am{e
n{VeV
15043.84
67.63
12912.38
60.65
n[an$Vm VH$ aIo JE - EM Q>r E_
7202.02
32.37
8377.79
39.35
{~H$s Ho$ {bE CnbY - E E\$ Eg
0.00
0.00
0.00
0.00
`mnma Ho$ {bE aIo JE - EM E\$ Q>r
22245.86
100.00
21290.17
100.00
Hw$b
{Zdb _mJ Ama gmd{Y Xo`VmAm| Ho$ n{VeV Ho$ $n _| Xoer EMQ>rE_ n{V^y{V`m 25 n{VeV Ho$ A{YH$V_ {Z{X> Va Ho$ {d 20.26 n{VeV h&
2.2
{Zdoe
_X|
1)
2)
86
{Zdoem| H$m _y`

i) {Zdoem| H$m gH$b _y`
H$) ^maV _|
I) ^maV Ho$ ~mha
ii) _y`hmg Ho$ {bE nmdYmZ
H$) ^maV _|
I) ^maV Ho$ ~mha
iii) {Zdoem| H$m {Zdb _y`
H$) ^maV _|
I) ^maV Ho$ ~mha
{Zdoem| na _y`hmg Ho$ {bE ~ZmE JE
nmdYmZm| _| d{ / H$_r (gmd^m{_H$)
i) AWeof
ii) OmoSo> df Ho$ XmamZ {H$E JE nmdYmZ
Cn-Hw$b
iii) KQ>mE df Ho$ XmamZ A{V[aV nmdYmZm| H$m ~>m ImVm S>mbZm /nwZamH$Z H$aZm
iv) A{V_ eof
(. H$amoS> _|)
2008-09
2007-08
22245.86
21290.17
921.33
830.13
366.61
204.66
0.01
0.58
21879.25
21085.51
921.32
829.55
205.24
275.91
202.65
119.37
407.89
395.28
41.27
190.04
366.62
205.24
SCHEDULE 17 - NOTES ON ACCOUNTS

1.
CAPITAL
Items
31.03.2009
31.03.2008
i) CRAR (%) *
13.27
12.74
ii) CRAR - Tier I Capital (%) *
11.28
11.29
iii) CRAR - Tier II Capital (%) *
1.99
1.45
80.00
80.00
NIL
NIL
iv) Percentage of Shareholding of the Government of India

v) Amount of subordinate debt raised ( during the year) as Tier II capital
* The Capital Adequacy Ratio of the Bank as at 31.03.2009 as per Basel II Norms is at 13.98% and as per Basel I
Norms at 13.27%. As per the RBI guidelines, the least of the CRAR computed under Basel I and Basel II Norms has
to be reported as CRAR recorded by the Bank as at 31.03.2009.
2.
INVESTMENTS
2.1.
In accordance with the RBI guidelines, the Banks domestic gross investment portfolio has been classied into three
categories. The classication as on 31.03.09 is given hereunder:
(Rs. in crore)
Classication
31/03/2009
Amount
31/03/2008
Amount
Held to Maturity HTM
15043.84
67.63
12912.38
60.65
Available for sale AFS
7202.02
32.37
8377.79
39.35
0.00
0.00
0.00
0.00
22245.86
100.00
21290.17
100.00
Held for Trading HFT

Total
Domestic HTM securities as a percentage of Net Demand and Time Liabilities works out to 20.26 % against a
stipulated maximum level of 25 %.
2.2.
Investments
(Rs. In crore)
Items
2008-09
2007-08
(1) Value of Investments

(i) Gross value of investments
(a) In India
22245.86
21290.17
921.33
830.13
366.61
204.66
0.01
0.58
21879.25
21085.51
921.32
829.55
(i) Opening Balance
205.24
275.91
(ii) Add: Provision made during the year
202.65
119.37
407.89
395.28
41.27
190.04
366.62
205.24
(b) Outside India

(ii) Provision for Depreciation
(a) In India
(b) Outside India
(iii) Net value of Investments
(a) In India
(b) Outside India
(2) Movement of provision held towards depreciation on
investments ( Global)
Sub Total
(iii) Less: Write-off / write-back of excess provisions during the year
(iv) Closing Balance
87
2.2.1.
aonmo boZXoZ
(. H$amoS> _|)
{ZZ H$mo g_m df Ho$ XmamZ
`yZV_ ~H$m`m
2008-09
aonmo Ho$ VhV ~oMr

JB n{V^y{V`m
[adg aonmo Ho$
VhV IarXr JB
n{V^y{V`m
2.2.2

A{YH$V_ ~H$m`m
H$mo
2007-08
2008-09
2007-08
2008-09
2007-08
2008-09
2007-08
ey`
ey`
1016.38
49.65
26.94
1.75
ey`
ey`
ey`
ey`
499.79
ey`
4.11
ey`
ey`
ey`
Ja EgEbAma {Zdoe g{d^mJ

(i) {XZmH$ 31.03.2009 VH$ Ja-EgEbAma {Zdoem| na OmarH$Vm mp_lU
g.
OmarH$Vm
am{e
{ZOr Am~Q>Z
H$s gr_m
1.

X{ZH$ AmgV ~H$m`m
2.
1.
3.
340.01
4.
279.55
(. H$amoS> _|)
{Zdoe Va go {ZZ Xa {ZYmaU Z H$s gyMr~ Z H$s JB
dJ H$s n{V^y{V`m| JB n{V^y{V`m| H$s n{V^y{V`m| H$s
H$s gr_m
gr_m
gr_m
5.
6.
0.00
7.
3.00
0.00
gmdO{ZH$ joH$ Cn H$_
2.
957.18
403.99
0.00
31.85
36.84
{dVr` gWmE
3.
846.90
770.68
1.00
0.00
5.00
~H$
4.
627.02
365.52
0.00
4.73
6.38
{ZOr H$n{Z`m
5.
136.35
0.00
0.00
0.00
57.48
AmZwf{JH$/g`wV C_*
6.
129.50
4.42
0.00
0.00
3.42
A`
7.
(331.12)
0.00
0.00
0.00
0.00
_y`hmg Ho$ n{V Ym[aV nmdYmZ
2705.84
1824.16
1.00
39.58
109.12
Hw$b *
* eoàm| H$m Am~Q>Z b{~V ahVo jor` Jm_rU ~H$m| H$mo A{V[aV nyOr `moJXmZ Ho$ $n _| .7.11 H$amoS> nò ({nN>bo df .7.11 H$amoS>) gp_{bV h &
(ii) Ja-{ZnmXH$ Ja-EgEbAma {Zdoe

(. H$amoS> _|)
{ddaU
AW eof
df Ho$ XmamZ OmoS>
df Ho$ XmamZ H$Q>mVr
g_mnZ eof
Ym[aV Hw$b nmdYmZ
3.
3.1
88
`wnZ
dm`Xm Xa H$ama / `mO Xam| H$s AXbm-~Xbr (AmBAmaEg)
_X|
i) AXbm-~Xbr H$ama H$m AZw_m{ZV _ybYZ
ii) H$ama Ho$ AVJV AnZr ~m`VmAm| H$mo nyam H$aZo _| `{X {dnjr njH$ma MyH$ H$aVo h Vmo dhZ H$s OmZodmbr hm{Z`m
iii) dmn H$ama H$aZo na ~H$ H$mo Amd`H$ gnmpdH$ n{V^y{V
iv) dmn H$ama H$aZo na CnZ Omo{I_m| H$m gHo$XU
v) dmn ~hr H$m C{MV _y`
2008-09
2007-08
4.89
0.53
0.00
4.94
0.00
0.58
4.89
4.89
4.89
4.89
31.03.2009
31.03.2008
(. H$amoS>m| _|)
30.85
25.00
ey`
ey`
ey`
ey`
0.154
0.125
ey`
0.49
2.2.1
REPO Transactions:
(Rs. In crore)
Minimum outstanding
during the year ended
2008-09
Securities sold
under repos
Securities
purchased under
reverse repos
Maximum outstanding
during the year ended
Daily average
outstanding during the
As on
year ended
2007-08
2008-09
2007-08 31.03.09 31.03.08
2007-08
2008-09
NIL
NIL
1016.38
49.65
26.94
1.75
NIL
NIL
NIL
NIL
499.79
NIL
4.11
NIL
NIL
NIL
2.2.2
NON-SLR INVESTMENT PORTFOLIO
i)
Issuer Composition of Non SLR Investments as on 31.03.09

NO.
ISSUER
(1)
1
2
3
4
5
(2)
6
7
AMOUNT
PSU
FIs
Banks
Private Corporates
Subsidiaries/Joint Ventures *
Others
Provision held towards
depreciation
Total *
(Rs. In crore)
EXTENT OF
PRIVATE
PLACEMENT
(3)
340.01
957.18
846.90
627.02
136.35
(4)
279.55
403.99
770.68
365.52
0.00
EXTENT
OF BELOW
INVESTMENT
GRADE
SECURITIES
(5)
0.00
0.00
1.00
0.00
0.00
129.50
(331.12)
4.42
0.00
2705.84
1824.16
EXTENT OF
UNRATED
SECURITIES
EXTENT OF
UNLISTED
SECURITIES
(6)
(7)
3.00
31.85
0.00
4.73
0.00
0.00
36.84
5.00
6.38
57.48
0.00
0.00
0.00
0.00
3.42
0.00
1.00
39.58
109.12
* includes Rs.7.11 Crore (previous year Rs 7.11 crore) as additional Capital Contribution to Regional Rural Banks,
pending allotment of shares.
ii)
Non Performing Non-SLR Investments
(Rs in crore)
2008-09
2007-08
Opening Balance
Particulars
4.89
0.53
Additions during the year
0.00
4.94
Reduction during the year
0.00
0.58
Closing Balance
4.89
4.89
Total Provisions held
4.89
4.89
3.
DERIVATIVES
3.1
Forward Rate Agreements/ Interest Rate Swaps (IRS)

Items
i) The notional Principal of Swap agreement
(Rs. in crore)
31.03.2009
31.03.2008
30.85
25.00
ii) Losses which would be incurred if counterparties failed to fulll their obligations
under the agreement
Nil
Nil
iii) Collateral required by bank upon entering into swaps
Nil
Nil
0.154
0.125
Nil
0.49
iv) Concentration of Credit Risk arising from the swaps

v) The fair value of swap book
89
VwbZ n H$s AmpV`m| Ed Xo`VmAm| H$s n{Vajm Ho$ {bE {gV~a 2005 Ho$ XmamZ ~H$ Zo `mO Xa dn (AmBAmaEg) Ho$ d$n Ho$ `wnZ H$ama {H$E& nmM dfm|
H$s _yb Ad{Y Ho$ {bE dnm| H$s H$mn{ZH$ _yb am{e .25.00 H$amoS> Wr& n{Vajm n`moOZm| Ho$ {bE ^maVr` n`m| _| `mO Xa dn {H$`m J`m& ~H$m`m dn H$s
pW{V {Z`V `mO nm H$aZo Ama Mb `mO Xa AXm H$aZo Ho$ {bE Wr& ~H$ Zo AmB Ama Eg g{dXm H$mo 11 Zd~a 2008 H$mo g_m {H$`m& 31 03 2009 VH$
AmB Ama Eg Ho$ VhV H$moB ~H$m`m am{e Zht Wr&
VwbZ n H$s AmpV`m| Ed Xo`VmAm| H$s n{Vajm Ho$ {bE 2008-09 Ho$ XmamZ qgJmnwa emIm Zo `mO Xa dn (AmBAmaEg) Ho$ d$n Ho$ `wnZ H$ama {H$E& VrZ
dfm| H$s _yb Ad{Y Ho$ {bE dnm| H$s H$mn{ZH$ _yb am{e EgOrS>r 9.250 E_AmBAmo (^maVr` nò 30.85 H$amoS>) Wr& n{Vajm n`moOZm| Ho$ {bE `mO Xa dn
{H$`m J`m& ~H$m`m dn H$s pW{V {Z`V `mO nm H$aZo Ama Mb `mO Xa AXm H$aZo Ho$ {bE Wr&
nwZarjm df Ho$ XmamZ ~H$ Zo H$moB dm`Xm Xa H$ama Zht {H$`m h&
3.2.
{d{Z_` `mnma {H$E JE `mO Xa `wnZ

nwZarjm df Ho$ XmamZ ~H$ Zo {d{Z_` `mnma {H$E JE `mO Xa `wnZ Ho$ {bE H$moB H$ama Zht {H$`m h&
3.3.
`wnZm| _| F$U Omo{I_
3.3.1.
JwUm_H$ nH$Q>rH$aU
AmpV Xo`Vm n~YZ g{_{V / Omo{I_ n~YZ g{_{V VWm {Z{Y Ama {Zdoe g{_{V Ho$ {ZXoem| Ho$ AZwgma Ama AmpV d Xo`Vm g{d^mJ / `mO Ho$ nydmZw_mZ
Ho$ AmYma na ~H$ AmBAmaEg boZXoZ H$aVm ahm h& X{ZH$ dn pW{V H$s [anmoQ> C n~YZ H$mo Xr OmVr h Ama _m{gH$ [anmoQ> {Z{Y Ed {Zdoe g{_{V H$mo Xr
OmVr h&
AmBAmaEg H$m Cn`moJ H$aVo hE ~H$ AmpV`m| VWm Xo`VmAm| H$s n{Vajm H$a ahm h& CnM` AmYma na hoqOJ boZXoZm| H$mo {hgm~ _| {b`m OmVm h& Eogo dn H$mo Omo
`mO H$_mZodmbr AmpV / Xo`Vm H$s n{Vajm H$aVo h, hoO H$s JB AmpV `m Xo`Vm Ho$ $n _| {hgm~ _| {b`m OmVm h& ~H$m`m dn gd{XmE ~mOma H$mo _mH$ {H$E
OmZo Ho$ AmYma na h&
AVam>r` dn S>rba gK Ho$ {Xem{ZX}em| Ho$ AmYma na g^r dn boZXoZ {H$E JE h& boZXoZm| H$mo g_m H$aZo Ho$ nhbo ~H$ Ho$ nmg n`m AmV[aH$ AZw_moXZ Ama
{ZÙ nUm{b`m CnbY h& (i) `mnma (S>rqbJ) (ii) ~H$-Am{\$g (g_PmVm, {ZJamZr Ama {ZÙ) VWm (iii) boImH$aU jom| Ho$ ~rM EH$ n> H$m`H$mar
nWH$aU CnbY h&
3.3.2.
_mm_H$ nH$Q>rH$aU
H$_ g.
{ddaU
(. H$amoS>m| _|)
`mO Xa `wnZ
2008-09
2007-08
1.
`wnZ (H$mn{ZH$ _yb aH$_)

H$) n{Vajm Ho$ {bE
I) `mnma Ho$ {bE
2.
~mOma {W{V na ApH$V (1)
H$) AmpV (+)
I) Xo`Vm (-)
3.
F$U Omo{I_ (2)
4. *
`mO Xa _| EH$ n{VeV ~Xbmd H$m g^m` n^md (100 * nrdr 01)
H$) n{Vajm `wnZ na
I) `mnma `wnZ na
5. *
df Ho$ XmamZ nmE JE 100 nrdr 01 H$m b{jV A{YH$V_ d `yZV_
H$) n{Vajm na
A{YH$V_
`yZV_
I) `mnma na
A{YH$V_
`yZV_
* n~YZ mam n_m{UV {H$E JE AZwgma
nwZarjm df Ho$ XmamZ ~H$ Zo H$moB _wXm `wnZ Zht {H$`m h&
90
30.85
25.00
-----
-----
0.37
0.00
0.00
-0.49
0.154
0.125
0.56
0.54
0.00
0.00
0.96
0.69
0.37
0.54
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
The bank entered into Derivatives contracts of the nature of Interest Rate Swap (IRS) during September 2005, to
hedge on Balance Sheet Assets and Liabilities. The notional principal value of Swaps was Rs.25 crore for an original
tenor of ve years. Interest Rate Swap in Indian Rupees was undertaken for hedging purposes. The outstanding
swap position was to receive xed interest and to pay oating rate of interest. The Bank unwound the IRS contract
on 11th November 2008. There is no outstanding balance under IRS as on 31/03/2009.
Singapore branch entered into Derivatives contracts of the nature of Interest Rate Swaps (IRS) during 2008-09 to
hedge on Balance sheet assets and Liabilities. The notional principal value of Swaps was SGD 9.250 mio (INR 30.85
crores) for an original tenor of upto 3 years. IRS was undertaken for hedging purposes. The outstanding Swap
position was to receive Floating interest and pay Fixed rate of interest.
The Bank has not entered into any Forward Rate Agreement during the year under review.
3.2
Exchange Traded Interest Rate Derivatives

The bank has not contracted any Exchange Traded Interest Rate Derivatives during the year under review.
3.3
Risk Exposure in Derivatives
3.3.1
Qualitative Disclosures :
Bank has been dealing in IRS based on the Asset & Liability portfolio / forecast of interest and as per the directions
of Asset Liability Management Committee /Risk Management Committee/ Funds and Investments Committee, daily
swap position is reported to the Top Management and monthly to the Funds and Investments Committee.
Bank has been doing hedging of asset as well as liability using IRS. The hedging transactions have been accounted
on an accrual basis. Swaps, which hedge interest bearing asset / liability, are accounted for as the asset or liability
hedged. Valuation of outstanding swap contracts is on marked to market basis.
All swap deals have been undertaken based on the guidelines of International Swaps Dealers Association. Bank has
adequate internal approvals and control systems prior to concluding transactions. There exists a clear functional
segregation between (i) trading (dealing) (ii) back ofce (settlement, monitoring and control) and (iii) accounting
sections.
3.3.2
Quantitative Disclosures:
Sl.No.
1
3
4*
(Rs.in crore)
Particular
Interest Rate Derivatives

2008-09
2007-08
a) For hedging
30.85
25.00
b) For trading
0.00
0.00
a) Asset (+)
0.37
0.00
b) Liability (-)
0.00
- 0.49
0.154
0.125
0.56
0.54
0.00
0.00
0.96
0.37
0.69
0.54
NA
NA
NA
NA
Derivatives (Notional Principal Amount)
Marked to Market Positions (1)
Credit Exposure (2)

Likely impact of one percentage change in interest rate
a) On hedging derivatives
(100*PV01)
b) On trading derivatives
5*
Maximum and Minimum of 100*PV01 observed during the year
a) On hedging
Maximum
Minimum
b) On trading
Maximum
Minimum
* as certied by the Management
The bank has not dealt in any currency derivatives during the year under review.
91
3.4
EMQ>rE_ dJ go n{V^y{V`m| H$s {~H$s Ho$ H$maU nm .24.13 H$amoS> Ho$ bm^ (JV df 1.37 H$amoS>) H$mo bm^ hm{Z boIo _| {b`m J`m h Ama VnMmV nyOr Ama{jV
ImVo Ho$ n{V CgH$m {d{Z`moOZ {H$`m J`m h&
3.5.
df Ho$ XmamZ ~H$ Zo {~H$s Ho$ {bE CnbY gdJ _| aIr hB AnZr gaH$mar n{V^y{V`m| (EgEbAma) Ho$ EH$ ^mJ H$mo `yZV_ bmJV / ~hr _y` / ~mOma _y` na
Omo ^r H$_ hmo EMQ>rE_ gdJ _| AV[aV {H$`m Vm{H$ {d{Z`m_H$ {Xem{ZX}em| H$m AZwnmbZ {H$`m Om gHo$& .1763.42 H$amoS> (JV df .1577.75 H$amoS>) H$s
n{V^y{V`m Ho$ AVaU Ho$ H$maU .37.90 (JV df .178.68 H$amoS>) H$m _y`hmg hAm&
3.6.
EMQ>rE_ gdJ Ho$ VhV dJuH$V n{V^y{V`m| Ho$ _m_bo _|, `{X AOZ H$s bmJV CgHo$ A{H$V _y` go A{YH$ hmo, Vmo n[an$Vm Ho$ {bE eof Ad{Y _| nr{_`_ H$mo
n[aemo{YV H$a {X`m OmEJm& {dVr` df 2008-09 _| .53.72 H$amoS> (JV df _| .77.06 H$amoS>) H$s am{e H$mo n[aemo{YV {H$`m H$m MwH$m h VWm Bgo {Zdoem|
na Am` Ho$ AVJV H$Q>mVr Ho$ $n _| Xem`m J`m h&
4.
AmpV JwUdVm
4.1.
Ja-{ZnmXH$ AmpV`m
(. H$amoS>m| _|)
_X|
(i) {Zdb A{J_m| H$s VwbZm _| {Zdb EZnrE (%)
(ii) gH$b EZnrE _| CVma-MT>md
(E) AWeof
(~r) df Ho$ XmamZ OmoS>
(gr) df Ho$ XmamZ H$Q>mVr
(S>r) AV eof
(iii) {Zdb EZnrE _| CVma-MT>md
(E) AWeof
(~r) df Ho$ XmamZ OmoS>
(gr) df Ho$ XmamZ H$Q>mVr
(S>r) AV eof
(iv) EZnrE Ho$ {bE nmdYmZm| _| CVma-MT>md (_mZH$ AmpV`m| na nmdYmZm| Ama Mb nmdYmZm| H$mo N>moS>H$a)
(E) AWeof
(~r) df Ho$ XmamZ {H$E JE nmdYmZ
(gr) A{V[aV nmdYmZm| H$mo ~Q>Qo>ImVo _| S>mbZm/nwZamH$Z H$aZm
(S>r) AV eof
4.2
2008-09
0.18
2007-08
0.24
486.87
228.93
256.62
459.18
545.81
443.70
502.65
486.87
97.59
102.13
149.80
153.58
93.81
216.40
220.94
97.59
219.60
16.29
40.39
195.50
275.46
369.38
425.24
219.60
nwZga{MV ImVm| H$m {ddaU
(. H$amoS>m| _|)
2008-09
grS>rAma
_oH$m{ZO_
nwZga{MV _mZH$ A{J_
nwZga{MV Ad_mZH$
A{J_
nwZga{MV g{XY
A{J_
Hw$b
92
EgE_B F$U
nwZ gaMZm
A`
CYmaH$VmAm| H$s g`m

~H$m`m am{e
A{Y`mJ (C{MV _y` _| H$_r )
CYmaH$VmAm| H$s g`m
2
83.68
5.46
---
1863
384.41
3.56
60
47094
2132.83
27.36
1467
~H$m`m am{e
A{Y`mJ (C{MV _y` _| H$_r )
CYmaH$VmAm| H$s g`m
-------
3.74
0.05
11
21.72
0.04
447
~H$m`m am{e
A{Y`mJ (C{MV _y` _| H$_r )
CYmaH$VmAm| H$s g`m
~H$m`m am{e
A{Y`mJ (C{MV _y` _| H$_r )
----2
83.68
5.46
0.21
0
1934
388.36
3.61
4.62
0
49008
2159.17
27.41
3.4
Prot on account of sale of securities from HTM category amounting to Rs.24.13 crore (previous year Rs.1.37
crore) has been taken to Prot and Loss Account and thereafter appropriated towards Capital Reserve Account.
3.5
During the year, the Bank had transferred a portion of its Government Securities (SLR) held in the Available For
Sale category to the HTM category at the least of Cost/Book Value/Market price pursuant to enabling regulatory
guidelines. The shifting of securities of Rs.1763.42 crore (previous year Rs.1577.75 crore) resulted in a depreciation
of Rs.37.90 crore (previous year Rs.178.68 crore).
3.6
In case of securities classied under HTM category, if acquisition cost is more than the face value, the premium is
amortized over the remaining period to maturity. For the Financial Year 2008-09, a sum of Rs.53.72 crore (previous
year Rs.77.06 crore) has been amortized and the same is reected as a deduction from Income on Investments.
4. ASSETS QUALITY
4.1
Non-Performing Assets
Items
2008-09
0.18
(i) Net NPAs to Net Advances (%)
(Rs. In crore)
2007-08
0.24
(ii) Movement of NPAs Gross

(a) Opening Balance
486.87
545.81
(b) Additions during the year
228.93
443.70
(c) Reduction during the above period
256.62
502.64
(d) Closing Balance
459.18
486.87
(iii) Movement of Net NPAs

(a) Opening Balance
97.59
102.13
(b) Additions during the year
149.80
216.40
(c) Reduction during the above period
153.58
220.94
93.81
97.59
219.60
275.46
(d) Closing Balance

(iv) Movement of Provision for NPAs (excluding provisions on standard assets and
Floating Provisions)
(a) Opening Balance
(b) Provisions made during the year
16.29
369.38
(c) Write-off / write-back of excess provision
40.39
425.24
195.50
219.60
(d) Closing Balance

4.2
Particulars of Accounts Restructured
(Rs. In crore)
CDR Mechanism
Standard advances
restructured
Sub Standard
advances
restructured
Doubtful advances
restructured
TOTAL
No. of Borrowers
2008-09
SME Debt
Restructuring
Others
1863
47094
Amount outstanding
Sacrice (diminution in the fair value)
83.68
5.46
384.41
3.56
2132.83
27.36
No. of Borrowers
Amount outstanding
No. of Borrowers
Amount outstanding
-------------
60
3.74
0.05
11
0.21
0
1467
21.72
0.04
447
4.62
0
No. of Borrowers
Amount outstanding
2
83.68
5.46
1934
388.36
3.61
49008
2159.17
27.41
93
4.3
4.4
4.5.
nwZga{MV ImVm| Ho$ g~Y _| A{V[aV nH$Q>rH$aU (n~YZ mam gH${bV {H$ò Jò AZwgma)
H$_ g.
nH$Q>rH$aU
1.
_| nwZgaMZm Ho$ {bE 31 _mM 2009 VH$ nm AmdoXZ
1 {gV~a 2008 VH$ _mZH$ aho ImVm| Ho$ g~Y
2.
CV(1) _| go 31 _mM 2009 VH$ AZw_mo{XV Ama H$m`mpdV nVmd Ama Bg nH$ma {d{Z`m_H$ `dhma
Ho$ {bE `mo` ~Z JE Ama VwbZ n H$s {V{W H$mo _mZH$ AmpV`m| Ho$ $n _| dJuH$V {H$E JE&
3.
CV (1) _| go 31 _mM 2009 VH$ AZw_mo{XV Ama H$m`mpdV nVmd, qH$Vw _mZH$ dJ _| CZH$m
CZ`Z Zht {H$`m Om gH$m&
4.
CV (1) _| go ggmYZ/H$m`md`Z Ho$ VhV aho nVmd Omo 31 _mM 2009 VH$ _mZH$ Wo&
5.
CV (1) _| go ggmYZ/H$m`md`Z Ho$ VhV aho nVmd Omo 31 _mM 2009 H$mo EZnrE ~Z JE, qH$Vw
nHo$O Ho$ nyU H$m`md`Z na _mZH$ AmpV`m| Ho$ $n _| dJuH$V {H$E OmZo H$m AZw_mZ h&
n{V^y{VH$aU/AmpV nwZ{Z_mU Ho$ {bE nwZ{Z_mU H$nZr H$mo ~oMr JB {dVr` AmpV`m| H$m {ddaU
nH$Q>rH$aU
(i) ImVm| H$s g`m
(ii) Eggr/Amgr H$mo ~oMo JE ImVmo H$m gH$b _y` (nmdYmZm| go {Zdb)
(iii) gH$b n{V\$b
(iv) {nN>bo dfm} _| AV[aV ImVo Ho$ g~Y _| dgybm J`m A{V[aV n{V\$b
(v) {Zdb ~hr _y` na gH$b bm^/hm{Z
IarXr / ~oMr J`r Ja {ZnmXH$ {dVr` AmpV`m| Ho$ {ddaU
E. IarXr J`r Ja-{ZnmXH$ {dVr` AmpV`m| Ho$ {ddaU
{ddaU
1. (H$) df Ho$ XmamZ IarXo Jò ImVm| H$s g`m
(I) ~H$m`m Hw$b eof
2. (H$) BZ_o go df Ho$ XmamZ nwZ ga{MV ImVm| H$s g`m
(I) ~H$m`m Hw$b eof
~r. ~oMr J`r Ja-{ZnmXH$ {dVr` AmpV`m| Ho$ {ddaU
{ddaU
1. ~oMo JE ImVm| H$s g`m
2. ~H$m`m Hw$b eof
3. nm Hw$b n{V\$b
4.6.
3833.55
48959
2600.92
54
4.68
130
1226.66
0.25
. H$amoS>m| _|)
2008-09
ey`
ey`
ey`
ey`
ey`
2007-09
13
0.00
183.26
0.00
183.26
(. H$amoS> _o)
2008-09
2007-08
ey`
ey`
ey`
ey`
ey`
ey`
ey`
ey`
2008-09
2007-08
ey`
ey`
ey`
ey`
ey`
ey`
2008-09
2007-08
40.86
95.59
2008-09
2007-08
8.90
8.49
1.35
1.64
2.90
2.70
1.62
1.64
6.17
4.88
6.23
4.91
(. H$amoS> _o)
(. H$amoS> _o)
`mnma AZwnmV
_X|
(i) H$mèrb {Z{Y Ho$ n{VeV Ho$ $n _| `mO Am`
(ii) H$mèrb {Z{Y Ho$ n{VeV Ho$ $n _| Ja-`mO Am`
(iii) H$mèrb {Z{Y Ho$ n{VeV Ho$ $n _| n[aMmbZ bm^
(iv) AmpV`m| na n{Vbm^ (%)
(v) H$mamo~ma (O_mE Ed A{J_) n{V H$_Mmar (. H$amoS> _|)
(vi) n{V H$_Mmar bm^ (. bmI _|)
94
am{e (. H$amoS>m| _|)
49173
_mZH$ AmpV`m| Ho$ {bE nmdYmZ

_X|
^maVr` [aOd ~H$ mam Omar {ddoH$nyU _mZXS>m| Ho$ AZwgma df Ho$ XmamZ _mZH$ AmpV`m| Ho$ n{V {H$E JE nmdYmZ
5.
g`m
4.3
4.4
Additional disclosures regarding restructured accounts (as compiled by the management)

S No.
Disclosure
1.
Application received up to March 31, 2009 for restructuring, in respect

of accounts which were standard as on September 1, 2008
Number
49173
3833.55
2.
Of (1), proposals approved and implemented as on March 31,

2009 and thus became eligible for special regulatory treatment and
classied as standard assets as on the date of the balance sheet
48959
2600.92
3.
Of (1), proposals approved and implemented as on March 31, 2009

but could not be upgraded to the standard category
54
4.68
4.
Of (1), proposals under process/ implementation which were

standard as on March 31, 2009
130
1226.66
5.
Of (1), proposals under process/ implementation which turned NPA

as on March 31, 2009 but are expected to be classied as standard
assets on full implementation of the package
0.25
Details of nancial assets sold to Securitisation / Reconstruction Company for Asset Reconstruction
(Rs. In crore)
Items
4.5
Amount (Rs in crore.)
2008-09
(i) No. of Accounts
Nil
13
(ii) Aggregate value (net of provisions) of accounts sold to SC/RC
Nil
0.00
(iii) Aggregate consideration
Nil
183.26
(iv) Additional consideration realised in respect of account transferred in earlier years
Nil
0.00
(v) Aggregate gain/ loss over net book value
Nil
183.26
Details of non-performing nancial assets purchased /sold

A. Details of non-performing nancial assets purchased:
Particulars
1. (a) No. of accounts purchased during the year
(b) Aggregate outstanding
2. (a) Of these, number of accounts restructured during the year
(b) Aggregate outstanding
(Rs. In crore)
2008-09
Particulars
1. No. of accounts sold
2. Aggregate Outstanding
3. Aggregate consideration received
NIL
NIL
NIL
NIL
NIL
NIL
NIL
5.
(Rs. In crore)
2008-09
NIL
NIL
NIL
Provision on Standard Assets

Items
Provision towards Standard Assets made during the year as per prudential norms
issued by RBI
2007-08
NIL
B. Details of non-performing nancial assets sold
4.6
2007-08
2007-08
NIL
NIL
NIL
(Rs. In crore)
2008-09
2007-08
40.86
95.59
2008-09
8.90
1.35
2.90
1.62
6.17
6.23
2007-08
8.39
1.74
2.70
1.64
4.88
4.91
Business Ratios
Items
(i) Interest Income as a percentage to Working Funds
(ii) Non-Interest Income as a percentage to Working Funds
(iii) Operating Prot as a percentage to Working Funds
(iv) Return on Assets (%)
(v) Business (Deposits plus Advances) per employee (Rs. in Crore)
(vi) Prot per employee (Rs in lakh)
95
6.
AmpV Xo`Vm n~YZ

AmpV`m| d Xo`VmAm| H$s Hw$N> _Xm| H$m n[an$Vm nQ>Z (~H$ mam `Wm gH${bV )
1-14 {XZ 15-28 {XZ 29 {XZ VWm 3 _hrZm| go
6 _hrZm| go 1 df go A{YH$ 3 dfm| go
3 _hrZm| VH$ A{YH$ VWm 6 A{YH$ VWm 1 VWm 3 dfm| VH$ A{YH$ VWm
_hrZm| VH$
df VH$
5 dfm| VH$
3684.47 1904.25 5575.59
9823.72 16295.66
25740.67
841.86
O_mE
2494.42 1849.90 5733.94
3269.93
5593.75
17287.75 6734.24
A{J_
1550.18
949.79 1707.99
2176.75
4584.58
6801.99
874.01
{Zdoe
128.87
--0.34
35.90
40.64
532.28
2.33
CYma
330.61
582.52
1110.27
475.31
452.52
722.30
490.39
{dXoer _wXm
AmpV`m
692.93
312.86
947.45
748.18
767.62
768.44
14.86
{dXoer _wXm
Xo`VmE
*300 H$amoS> Ho$ fV;j II ~mS> g{hV
7.
gdXoZerb jo H$mo CYma (~H$ mam `Wm gH${bV)
7.1.
[a`b EQo>Q> jo H$mo F$U
5 dfm| go
A{YH$
8715.62
72581.84
8201.35
51465.28
4155.28
22800.57
90.43
* 830.79
443.04
4606.96
0.04
4252.38
(. H$amoS> _o)
gdJ
E) n`j F$U
(i) Kaoby ~YH$
{Og_| go d`pVH$ Jh F$U Omo nmW{_H$Vm jo Ho$ VhV em{_b {H$E OmZo hoVw `mo` h
(ii) dm{Up`H$ [a`b EQo>Q>
(iii) ~YH$ g_{WV n{V^y{V`m| (E~rEg) _| {Zdoe Ama A` n{V^y{VH$V F$U
H$) Kaoby
I) dm{Up`H$ [a`b EQo>Q>
~r) An`j F$U
EZEM~r VWm EME\$gr na {Z{Y VWm Ja-{Z{Y Ammm[aV F$U
7.2.
(. H$amoS> _o)
Hw$b
31-03-2009
31-03-2008
5400.85
4554.33
3806.37
3319.16
4963.58
3619.82
3.27
4.89
ey`
ey`
1181.75
379.27
nyOr ~mOma _| EgnmoOa
( H$amoS>mo _|)
_X
31.03.2009
31.03.2008
(i)
n`j {Zdoe
B{$Q>r eoà _|
~mS>g/n[adVZr` {S>~|Mam| _|
B{$Q>r C_wI `yMwAb \$S>m| Ho$ `y{ZQ>m| _| {OgH$m H$mang _m H$mnm}aoQ> F$U _| {Zdoe Zht {H$`m J`m h&
(ii) `pV`m| H$mo B{$Q>r eoàm| (AmBnrAmo/BEgAmonr g{hV) n[adVZr` ~mS>m| Ed n[adVZr` {S>~|Mam|, B{$dQ>r C_wI
`yMwAb \$S>m| Ho$ `y{ZQ>m| _| {Zdoe Ho$ {bE eoàm|/ ~mS>m|/ {S>~|Mam| H$s O_mZV na A{J_
(iii) {H$gr A` n`moOZ Ho$ {bE A{J_ Ohm eoàm| `m n[adVZr` ~mS>m| `m n[adVZr` {S>~|Mam| `m B{$dQ>r C_wI
`yMwAb \$S>m| Ho$ `y{ZQ>m| H$mo nmW{_H$ O_mZV Ho$ $n _| {b`m OmVm h&
(iv) {H$gr A` n`moOZ Ho$ {bE A{J_ Omo{H$ eoàm| AWdm Cg gr_m VH$ n[adVZr` ~mS>m| `m n[adVZr` {S>~|Mam| `m
B{$Q>r C_wI `yMwAb \$S>m| Ho$ `y{ZQ>m| mam n`m^yV h AWmV eoàm|/ n[adVZr` ~mS>m| `m n[adVZr` {S>~|Mam| `m
B{$Q>r C_wI `yMwAb \$S>m| Ho$ `y{ZQ>m| Ho$ Abmdm nmW{_H$ n{V^y{V A{J_m| H$mo nyUV H$da Zht H$aVr&
(v) Q>mH$ ~moH$am| H$mo n`m^yV Ama An`m^y_ A{J_ Ed Q>mH$ ~moH$am| VWm _mH}$Q> _oH$am| H$s Amoa go Omar Jma{Q>`m&
(vi) moVm| H$mo CnbY H$amZo H$s n`mem _| ZB H$n{Z`m| H$s B{$Q>r Ho$ {bE ndVH$ Ho$ AeXmZ H$mo nyam H$aZo Ho$ {bE
eoàm|/~mS>m|/{S>~|Mam| AWdm A` n{V^y{V`m| Ho$ {d$ AWdm {ZeV AmYma na H$mnm}aoQ>m| H$mo _Oya F$U&
96
402.48
395.29
ey`
ey`
94.00
74.00
174.81
257.68
255.19
204.35
ey`
ey`
210.56
217.50
ey`
ey`
6.
Asset Liability Management

Maturity Pattern of certain items of Assets and Liabilities (As compiled by the Bank)
1-14 Days
Deposits
Advances
Investments
Borrowings
Foreign Currency
Assets
Foreign Currency
Liabilities
15-28
Days
29 Days
Over 3
& upto 3
months &
months upto 6 months
3684.47 1904.25 5575.59
9823.72
2794.42 1849.90 5733.94
3269.93
1550.18 949.79 1707.99
2176.75
128.87
---0.34
35.90
Over
6months &
upto 1 year
16295.66
5593.75
4584.58
40.64
(Rs. In crore)
Over 1 year Over 3 years

& upto 3
& upto 5
years
years
25740.67
841.86
17287.75
6734.24
6801.99
874.01
532.28
2.33
Over 5
years
Total
8715.62 72581.84
8201.35 51465.28
4155.28 22800.57
90.43 *830.79
330.61
582.52 1110.27
475.31
452.52
722.30
490.39
443.04
4606.96
692.93
312.86
748.18
767.62
768.44
14.86
0.04
4252.38
947.45
* Includes Tier II Bonds of Rs.300 crore.

7.
Lending to Sensitive Sector (As compiled by the Bank)
7.1
Exposure to Real Estate Sector
(Rs. In crore)
Category
31.03.2009
31.03.2008
(i) Residential Mortgages -
5400.85
4554.33
Out of which individual housing loans eligible for being included under priority sector
3806.37
3319.16
(ii) Commercial Real Estate -
4963.58
3691.82
3.27
4.89
NIL
NIL
1181.75
379.27
A) Direct Exposure
(iii) Investment in Mortgage Backed Securities (MBS) and other securitised
exposure
a) Residential
b) Commercial Real Estate
B) Indirect Exposure
Fund based and Non-fund based exposure on National Housing Bank and Housing Finance
Corporation
7.2
Exposure to Capital Market
(Rs. In crore)
Items
31.03.2009
31.03.2008
(i) Direct investment

In equity shares
In bonds/ convertible debentures
In units of equity- oriented mutual funds the corpus of which is not exclusively
invested in corporate debt
(ii) Advances against shares/bonds/debentures or other securities or on clean basis to
individuals for investment in equity shares (including IPOs/ESOPs) convertible bonds
and convertible debentures, units of equity oriented mutual funds
(iii) Advances for any other purposes where shares or convertible bonds or convertible
debentures or units of equity oriented mutual funds are taken as primary security
(iv) Advances for any other purposes to the extent secured by the collateral security
of shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds i.e. where the primary security other than shares/convertible bonds/
convertible debentures/units of equity oriented mutual funds does not fully cover
advances
(v) Secured and Unsecured advances to stockbrokers and guarantees issued on
behalf of stockbrokers and market makers
402.48
395.29
NIL
NIL
94.00
74.00
174.81
257.68
255.19
204.35
NIL
NIL
210.56
217.50
97
(vii) n`m{eV B{$Q>r ndmhm|/{ZJ_m| Ho$ {d$ H$n{Z`m| H$mo {~O bmoZ&
ey`
ey`
(viii) eoàm| AWdm n[adVZr` ~mS>m| AWdm n[adVZr` {S>~|Mam| `m B{$Q>r C_wI `yMwAb \$S>m| Ho$ `y{ZQ>m| Ho$ nmW{_H$
{ZJ_ Ho$ g~Y _| ~H$m| mam Xr JB hm_rXmar n{V~VmE&

(ix) _m{OZ Qo>qS>J hoVw Q>mH$ ~moH$am| H$mo {dVr`Z
(x) C_ nyOr {Z{Y`m| (nOrH$V Ama AnOrH$V XmoZmo) Ho$ g^r EnmoOam| H$mo B{$Q>r Ho$ g__y` na _mZm OmEJm Ama
Bg{bE nyOr ~mOma EgnmoOa gr_mAm| (n`j Ed An`j XmoZmo) Ho$ AZwnmbZ hoVw AmH$bZ _| {b`m OmEJm&
nyOr ~mOma H$mo Hw$b EgnmoOa
7.3
Omo{I_ dJdma Xoe EgnmoOa

F$U Omo{I_ *
ey`
ey`
ey`
ey`
9.50
6.00
1146.54
1154.82
(. H$amoS> _|)
31 _mM 2009 VH$ F$U
31 _mM 2009 VH$ {H$E
31 _mM 2008 VH$ F$U
31 _mM 2008 VH$ {H$E
({Zdb)
JE nmdYmZ
({Zdb)
JE nmdYmZ
3020.22
3.22
ZJ`
890.93
..
`yZ
208.37
..
_`_ $n go `yZ
8.56
..
_`_
25.71
..
_`_ $n go C
53.27
..
C
0.00
..
gdmo
4207.06
3.22
Hw$b
* BgrOrgr Ho$ {XZmH$ 05.12.2008 Ho$ n[an Ho$ AZwgma AVZ ~ZmE JE Xoe Omo{I_ Ho$ AmYma na
2347.35
2.02
613.22
..
129.86
..
11.02
..
30.49
..
39.33
..
0.18
..
3171.45
2.02
Xoe {deof H$mo nXV F$U H$m Omo{I_ n~YZ

~H$ Zo 31.03.2009 H$mo {d{^Z Xoem| H$mo nXV {Zdb F$U H$m {dbofU {H$`m h Ama qgJmnwa H$mo N>moS> H$a A` Xoem| Ho$ n{V `h F$U ~H$ H$s Hw$b AmpV`m| Ho$ 1
n{VeV H$s {ZYm[aV gr_m Ho$ ^rVa h& qgJmnwa Ho$ g~Y _|, {Ogo BgrOrgr {b{_Qo>S> Zo Ja _hdnyU F$U Omo{I_ gdJ Ho$ AYrZ dJuH$V {H$`m h, .3.22 H$amoS>
(JV df .2.02 H$amoS>) H$m nmdYmZ CnbY h&
7.4
~H$ mam EH$b CYmaH$Vm gr_m (Eg~rEb), g_yh CYmaH$Vm gr_m (Or~rEb) Ho$ A{VH$_U Ho$ {ddaU
gm_m` n[apW{V`m| _| EH$b CYmaH$Vm F$U H$s AZw_o` gr_m, 787.70 H$amoS> . Ama ~H$ Ho$ {ZXoeH$ _S>b Ho$ AZw_moXZ Ho$ gmW AndmX d$n n[apW{V`m| _|
1050.27 H$amoS> . h& (31.03.2008 H$mo nyOr {Z{Y`m| H$m H$_e 15 n{VeV/20 n{VeV)
31.03.2009
H$mo g_m df Ho$ XmamZ, ~H$ Zo ^maVr` [aOd ~H$ Ho$ {ZX}em| mam {ZYm[aV gm_m` {ddoH$s F$U gr_m H$m A{VH$_U {H$gr EH$b/g_yh/~w{Z`mXr
gaMZm jo ImVo _| Zht {H$`m h, {gdm` {ZZ ImVo H$mo N>moS>H$a Ohm Amndm{XH$ n[apW{V`m| Ho$ AVJV df Ho$ XmamZ ZrMo nH$Q> {H$E AZwgma A{V[aV F$U
{XE JE
(. H$amoS> _|)
CYmaH$Vm H$m Zm_
A{V[aV F$U
Hw$b CV_ F$U A{V[aV F$U H$m %
Hw$b F$U H$m %
7.67
795.37
0.15%
15.15 %
_ogg H$nV nmda Q>mg{_eZ {b{_Qo>S>
g^r A{V[aV F$U gr_mE Amndm{XH$ n[apW{V`m| Ho$ {bE ^maVr` [aOd ~H$ Ho$ {Xem{ZX}e Ho$ AZwgma {ZYm[aV gr_mAm| Ho$ AXa h Ama {ZXoeH$ _S>b Ho$ AZw_moXZ
go h&
8.
{d{dY
8.1
8.1.1
98
boIm g_mYmZ Ed g_m`moOZ

AVa emIm _Xm| H$m boIm g_mYmZ 31.03.2009 VH$ nyam {H$`m Om MwH$m h& ~H$m`m n{d{>`m| Ho$ {ZnQ>mZ Ho$ {bE {d{^Z H$maJa Cnm`m| Ho$ mam ~H$ Zo Cg_| n`m
H$_r bm`r h& VnMmV eof ~H$m`m n{d{>`m| Ho$ g_m`moOZ H$m H$m` nJ{V na h&
(vi) Loans sanctioned to corporates against the security of shares/bonds/debentures

or other securities or on clean basis for meeting promoters contribution to the equity
of new companies in anticipation of raising resources
NIL
NIL
(vii) Bridge loans to companies against expected equity ows/issues
NIL
NIL
(viii) Underwriting commitments taken up by the banks in respect of primary issue

of shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds
NIL
NIL
(ix) Financing to stockbrokers for margin trading
NIL
NIL
(x) All exposures to Venture Capital Funds (both registered and unregistered) will be
deemed to be on par with equity and hence will be reckoned for compliance with the
capital market exposure ceilings (both direct and indirect)
Total Exposure to Capital Market
7.3
9.50
6.00
1146.54
1154.82
Risk Category-wise Country Exposure
(Rs. In crore)
Exposure (net)
Provision held as
Exposure (net)
Provision held as at
Risk Category*
as at 31st Mar 2009 at 31st Mar 2009 as at 31st Mar 2008
31st Mar 2008
Insignicant
3020.22
3.22
2347.35
2.02
Low
890.93
-613.22
-Moderately low
208.37
-129.86
-Moderate
8.56
-11.02
-Moderately high
25.71
-30.49
-High
53.27
-39.33
-Very high
0.00
-0.18
-Total
4207.06
3.22
3171.45
2.02
*As per the updated country risk classication by the ECGC vide its Circular dated 05.12.2008.
COUNTRY RISK MANAGEMENT:
The Bank has analysed its net funded exposure to various countries as on 31.03.09 and such exposure to countries
other than Singapore is well within the stipulation of 1 % of the total assets of the Bank. In respect of Singapore,
which is classied under Insignicant risk category by ECGC Ltd., a provision of Rs.3.22 crore (previous year
Rs.2.02 crore) is available.
7.4
Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the Bank
The permissible level of Single Borrower Exposure ceiling is Rs. 787.70 crore under normal circumstances and
Rs.1050.27 crore under exceptional circumstances with the approval of the Banks Board of Directors. (15% / 20%
respectively of capital funds as at 31.03.08).
During the year ended 31.03.2009, the Bank has not exceeded the normal prudential exposure ceiling prescribed
by the directives of RBI in any Single / Group / Infrastructure Sector Account except the additional exposures taken
during the year in the account under exceptional circumstances, as disclosed hereunder.
(Rs. In crore)
Borrower Name
M/S Kalpataru Power Transmission Ltd
Additional
Exposure
Total Highest
Exposure
Percentage
of additional
exposure
Percentage
of Total
Exposure
7.67
795.37
0.15%
15.15%
All the additional exposures taken are within the ceiling prescribed as per RBI guidelines for exceptional circumstances
and with the approval of Board of Directors.
8.
MISCELLANEOUS
8.1
Reconciliation and Adjustments
8.1.1
Reconciliation of Inter Branch Account is completed up to 31.03.2009. The Bank through various effective steps has
achieved further reduction in the clearance of outstanding entries. Adjustment of the remaining outstanding entries
is in progress.
99
8.1.2
{XZmH$ 31.03.2009 H$mo AVa emIm ImVm ~H$m`m _| 6 _hrZo go A{YH$ Ad{Y Ho$ {bE boIm g_mYmZ Zht H$s JB n{d{>`m| Ho$ g~Y _| Hw$b O_m pW{V H$mo XoIVo
hE {H$gr nmdYmZ H$s O$aV Zht h&
8.1.3
Xo` S>m\$Q>m|, g_memoYZ g_m`moOZ, {d{dY nm` am{e`m|, {d{dY O_m ImVm| Am{X _| VWm ^maVr` [aOd ~H$ Ed A` ~H$m| go g~{YV ~H$ boIm g_mYmZm| _| nwamZr
~H$m`m n{d{>`m| Ho$ g_w{MV g_m`moOZ Ho$ {bE {Z`{_V g_rjm H$s Om ahr h&
8.1.4
Hw$b emImAm| _| AZwfJr ~{h`m|/a{OQ>am| H$m VwbZ Ama gm_m` ~{h`m| Ho$ gmW boIm g_mYmZ H$m H$m` Omar h& n~YZ Ho$ _VmZwgma, ImVm| na Cn`wV {df`m| H$m
n[aUm_r n^md ~hV `mXm Zht hmoJm&
8.2
df Ho$ XmamZ Am` H$a Ho$ {bE ~ZmE JE nmdYmZm| H$s am{e
H$amYmZ Ho$ {bE nmdYmZ (AmBQ>r E\$~rQ>r VWm S>`yQ>r )
(. H$amoS> _|)
2008-09
2007-08
540.8
226.24
A.
Am`H$a A{Y{Z`_ 1961 H$s Ymam 115 Oo~r Ho$ AYrZ, .151.06 H$amoS> ({nN>bo df .211.52) H$m nmdYmZ aIm J`m h Ama {\$O ~oZo{\$Q> H$a Xo`Vm Ho$ {bE
.8.05 H$amoS> (JV df .10.00 H$amoS>) Ho$ nmdYmZ H$s nwZnm{ H$s JB h&
Am.
31.03.2009
8.3
^maVr` [aOd ~H$ mam bJmE JE XS>m| H$m nH$Q>rH$aU
H$mo {ddm{XV Am`H$a _mJ ~H$m`m eof .348.19 H$amoS> ({nN>bo df .237.73 H$amoS>) Wm, {Og_| go 254.56 H$amoS> ({nN>bo df .205.40
H$amoS>) dmngr AmXoem| Ho$ n{V {d^mJ mam AXm/g_m`mo{OV H$a {XE JE& EH$ hr Vah Ho$ _wm| na ~H$ Ho$ AZwHy$b H$s JB {d{^Z `m{`H$ ?kksfUmAm| VWm JV-{ZYmaU
dfm} _| ~H$ mam Xmà H$s JB Anrbm| na Omo {d{^Z Anrbr` nm{YH$m[a`m| Ho$ g_j b{~V h, {dMma H$aVo hE {H$gr Vah Ho$ nmdYmZ na {dMma H$aZm Amd`H$
Zht _mZm J`m h&
^maVr` [aOd ~H$ mam H$moB XS> Zht bJm`m J`m h VWm `h nH$Q>rH$aU ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwnmbZ _| h&
8.4
AMb AmpV`m
8.4.1.
n[aga _| .11.11 H$amoS> bmJV dmbr n[agnpV`m em{_b h, {OZH$m ~hr _y` .8.43 H$amoS> h ({nN>bo df H$_e .11.11 H$amoS> Ama .8.56 H$amoS>), {OZHo$
{bE nOrH$aU H$s AmnMm[aH$VmE H$s Om ahr h&
8.4.2
~H$ Zo df 2008-09 Ho$ XmamZ AnZr AMb gnpV`m| H$m AZw_mo{XV _y`mH$H$mo mam C{MV ~mOma _y` na nwZ_`Z {H$`m VWm BgHo$ n[aUm_d$n .1057.76
H$amoS> H$s _y` d{ am{e H$mo nyZ_y`Z [aOd ImVo _| O_m {H$`m J`m& nwZ_y`Z {H$E JE Ae na A{V[aV _y`hmg .17.37 H$amoS> Wm (JV df _| .4.22
H$amoS>) {Ogo bm^ d hm{Z boIo H$mo n^m[aV {H$`m J`m h VWm CgH$s g_Vw` am{e H$m AmhaU nyZ_y`Z [aOd ImVo go H$a {X`m J`m h&
8.5
^maVr` [aOd ~H$ Ho$ _mZXS>m| Ho$ AZwgma ~H$ A~ VH$ An{V^yV Ad_mZH$ AmpV`m| Ho$ g~Y _| 20 n{VeV Ama Ad_mZH$ A{J_m| Ho$ g~Y _| 10 n{VeV H$m
nmdYmZ H$a ahm Wm& ~H$ Zo Mmby df go g^r Ad_mZH$ A{J_m| Ho$ g~Y _| 20 n{VeV H$m EH$ g_mZ nmdYmZ {H$`m h& Zr{V _| Cnw`V n[adVZ Ho$ \$bd$n
A{V[aV nmdYmZ .10.08 H$amoS> h&
8.6
bm^ Ed hm{Z boIo _| `` erf Ho$ VhV {XImE JE nmdYmZ Ama AmH$p_H$VmAm| H$m ~oH$An
{ZZ Ho$ n{V {H$E JE nmdYmZ
i)
ii)
iii)
iv)
v)
vi)
8.7
{Zdoe Ho$ _y` _| _y`hmg

Ja-{ZnmXH$ AmpV`m (vfxze)
Ja-{ZnmXH$ AmpV`m (fuosk)
ekud vfxze
vk;dj ,oa ,DohVh
A` (* doVZ gemoYZ H$m .173 H$amoS> H$mo em{_b H$a)

Hw$b
(. H$amoS> _|)
2008-09
2007-08
202.65
114.49
28.51
339.85
(14.85)
9.73
40.86
95.59
540.76
226.24
* 185.58
(135.34)
983.51
650.56
Mb nmdYmZ
(. H$amoS> _|)
Mb nmdYmZ ImVm
i)
ii)
iii)
iv)
100
H$. AWeof (1 Anb)

I. df Ho$ XmamZ OmoS> ({H$E JE Mb nmdYmZm| H$s _mm)
J. Cn`wV df Ho$ XmamZ H$_r (H$s JB H$_r H$m Co` VWm am{e)
K. AWeof (31 _mM)
2008-09
2007-08
92.78
92.78
12.22
ey`
ey`
ey`
105.00
92.78
8.1.2
In view of net credit position in respect of unreconciled entries in the Inter Branch Account outstanding for more
than 6 months as on 31.03.2009, no provision is required.
8.1.3
Old outstanding entries in drafts payable, clearing adjustment, sundries receivable, sundry deposit accounts, etc. and
in bank reconciliation relating to Reserve Bank of India and other banks are being regularly reviewed for appropriate
adjustments.
8.1.4
Balancing of subsidiary ledgers/registers and reconciliation with general ledgers are in progress at some branches.
In the opinion of the management, consequential impact of the above on the accounts will not be signicant.
8.2
Amount of Provision made for Income Tax during the year:

(Rs. In crore)
Provision for Taxation ( IT, FBT & WT)

a)
b)
2008-09
2007-08
540.28
226.24
Under Sec.115JB of the Income Tax Act, 1961, a provision of Rs.151.06 crore (previous year Rs.211.52 crore) has
been made and a provision retrieval of Rs.8.05 crore (as against provision of Rs.10.00 crore made in the previous
year) has been made towards Fringe Benet Tax liability.
The disputed Income Tax demand outstanding as at 31 03 2009 amounts to Rs.348.19 crore (previous year Rs.237.73
crore), out of which Rs.254.56 crore (previous year Rs.205.40 crore) has been paid / adjusted by the Department
against refund orders. Considering the various judicial pronouncements on similar issues in favour of the Bank
and the Appeals led by the Bank for earlier Assessment Years pending before various appellate authorities, no
provision is considered necessary.
8.3
Disclosure of Penalties imposed by RBI

No penalty has been imposed by RBI on the Bank and this disclosure is pursuant to RBI guidelines.
8.4
Fixed Assets
8.4.1
Premises include properties costing Rs. 11.11 crore, the book value of which is Rs.8.43 crore (previous year Rs.11.11
crore and Rs.8.56 crore respectively), for which registration formalities are in progress.
8.4.2
Bank revalued its immovable properties during the year 2008-09 at fair market value by approved valuers and the
resultant appreciation of Rs. 1057.76 crore was credited to Revaluation Reserve Account. Additional Depreciation
on the revalued portion amounting to Rs. 17.37 crore (previous year Rs.4.22 crore) has been charged to Prot and
Loss Account and an equivalent withdrawal is made from the Revaluation Reserve Account.
8.5
As per RBI norms bank was hitherto providing 20% in respect of unsecured Substandard Assets and 10% in respect
of other Substandard Advances. The Bank has, from the current year made uniform provision of 20% in respect of
all substandard advances. The change in the above policy has resulted in additional provision of Rs.10.08 crore.
8.6
Break-up of Provisions & Contingencies shown under the head Expenditure in Prot and Loss Account :
(Rs. In crore)
8.7
i)
Provision made towards

Depreciation in the value of Investments
ii)
iii)
2008 -09
202.65
2007-08
114.49
Non - Performing Assets (Adv)
28.51
339.85
Non - Performing Investments
(14.85)
9.73
iii)
Standard Advances
iv)
Income Tax & FBT
40.86
95.59
540.76
226.24
v)
Others (*include wage revision of Rs.173 crore)
*185.58
(135.34)
Total
983.51
650.56
Floating Provisions :
Floating Provisions Account
(a)
Opening Balance (1st April)
(b)
Additions during the year(Quantum of Floating Provisions made)
(c)
Reduction during the above year
(Purpose and amount of draw down made)
(d)
st
Closing Balance (31 March)
2008-09
92.78
12.22
(Rs. In crore)
2007-08
92.78
NIL
NIL
NIL
105.00
92.78
101
8.8
JmhH$ {eH$m`V
H$.
I.
J.
K.
8.9
87
df H$s ewAmV _| b{~V {eH$m`Vm| H$s g.

df Ho$ XmamZ nm {eH$m`Vm| H$s g.
df H$mo XmamZ {ZnQ>mB JB {eH$m`Vm| H$s g.
df Ho$ AV _| b{~V {eH$m`Vm| H$s g.
1566
1584
69
~qH$J bmoH$nmb mam nmg {H$E JE A{Y{ZU`

H$.
I.
J.
K.
df H$s ewAmV _| AH$m`mpdV A{Y{ZU`m| H$s g.

df Ho$ XmamZ ~qH$J bmoH$nmb mam nmg {H$E JE A{Y{ZU`
df Ho$ XmamZ H$m`mpdV {H$E JE A{Y{ZU`
df Ho$ AV _| b{~V AH$m`mpdV A{Y{ZU`m| H$s g.
ey`
2
8.10
~H$ mam Omar {H$`m J`m CVaXm{`d n

~H$ Zo df 2005-06 Ho$ XmamZ qgJmnwa _wXm nm{YH$mar (E_EEg) H$mo CVaXm{`d H$m n Omar {H$`m& ~H$ mam E_EEg H$mo Omar CVaXm{`d n Ho$ VhV
31.03.2009 H$mo g_m df Ho$ {bE {dVr` n^md {ZZnH$ma h
qgJmnwa emIm _| `yEgS>r 43 {_{b`Z H$s gr_m VH$ O_m am{e`m aIZm Omo{H$ E_EEg mam {ZYm[aV 120 {_{b`Z qgJmnwa S>mba H$s `yZV_ {Zdb g_m`mo{OV
EMAmo {Z{Y (EZEMAmoE\$) H$s Anojm H$mo nyam H$a gHo$&
E_EEg mam {ZYm[aV {H$E JE AZwgma 100 n{VeV AmpV AZwajU Anojm (EEgAma) H$mo nyam H$aZo hoVw emIm H$mo 10 {_{b`Z `yEgS>r ({nN>bo df 10
{_{b`Z `yEgS>r) H$m {ZYr`Z g_WZ nXmZ {H$`m J`m&
8.11
H${f F$U _m\$s VWm F$U amhV `moOZm, 2008

^maV gaH$ma Zo gr_mV Ed bYw {H$gmZm| H$mo Ama Eogo A` {H$gmZm| H$mo {Ohm|Zo n`j H${f F$U nm {H$`m h, F$U _m\$ H$aZo hoVw H${f F$U _m\$s VWm F$U amhV
`moOZm, 2008 Zm_H$ EH$ amhV `moOZm Ama^ H$s h& `moOZm Ho$ AZwgma Ah {H$gmZm| Ho$ H${f F$U H$s _m\$r H$mo ImVm| _| n^md {X`m J`m h Ama am{e`m boImnarjH$m|
mam Xmdo Ho$ n_mUZ Ho$ A`YrZ h&
8.12
Jm_rU {dH$mg hoVw B{S>`Z ~H$ Q>Q>

df Ho$ XmamZ ~moS> Zo 10 H$amoS> nò Ho$ H$mng `moJXmZ go Jm_rU {dH$mg hoVw B{S>`Z ~H$ Q>Q> Ho$ JR>Z H$m AZw_moXZ {H$`m& Q>Q> H$m _w` Co` Jm_rU jom| Ho$
{dH$mg Ho$ bJo A` bmoJm|/EO|{g`m| Ho$ gmW g_d` H$aZo Ho$ mam EH$ _m $n go Omoa S>mbZm h& df Ho$ XmamZ AXm H$s JB 51 bmI nò H$s am{e H$mo bm^ d hm{Z
Ho$ ImVo H$mo n^m[aV {H$`m J`m&
9.
boIm _mZH$m| (EEg) Ho$ AZwgma nH$Q>rH$aU
9.1
ZH$Xr ndmh {ddaU (EEg 3)

df 2008-09 hoVw ZH$Xr ndmh {ddaU AbJ go AZw~ {H$`m J`m h&
9.2
Q>m\$ H$mo bm^ (EEg 15)

9.2.1. 31.03.2009 VH$ ~r_mH$H$ _y`mH$Z Ho$ AZwgma VWm gemo{YV EEg-15 Ho$ AZwgma H$_Mmar bm^ Ogo n|eZ, CnXmZ, Nw>Q>Q>r ^wZmB B`m{X Ho$ {bE nmdYmZ {H$`m
J`m h& BgHo$ A{V[aV ^maVr` gZXr boImH$ma gWmZ mam A{Ygy{MV H$_Mmar bm^ na gemo{YV EEg-15 Ho$ AZwgma bm^ hm{Z boIo H$mo .92 H$amoS> H$s am{e
n^m[aV H$s JB Omo{H$ Bg nH$ma n[aH${bV .460 H$amoS> H$s gH$_U H$mbrZ Xo`Vm H$m 1/5 ^mJ h& nhMmZ Z H$s JB gH$_U H$mbrZ Xo`Vm Omo eof VrZ dfm} _|
bm^ hm{Z boIo H$mo n^m[aV H$s OmZr h, .276 H$amoS> h&
9.2.2.
boImH$aU _mZH$ - 15 (gemo{YV) _| Ano{jV {H$ò JE AZwgma bm^ Ed hm{Z boIm VWm VwbZ n _| nhMmZr J`r amoOJma - nM bm^ Ama XrKmd{Y H$_Mmar
bm^m| H$s g{j pW{V {ZZmZwgma h
31.03.2009
31.03.2009
I. _yb ~r_mH$Z AZw_mZ (^m[aV AmgVm| Ho$ $n _| `V)
* 800 %
8.00 %
~Q>Qo> H$s Xa
5.00 %
5.00%
doVZ ~T>moVar H$s Xa
2.00%
2.00%
nX`mJ H$s Xa
9.00%
8.50%
`moOZm AmpV`m| na Ano{jV n{V\$b H$s Xa
n`wV VarH$m
n[a`moOZm BH$mB F$U (nr`ygr) ~r_mH$H$ VarH$m
* CnXmZ Ama Nw>Q>Q>r ^wZmB Ho$ {bE ~Q>Q>m Xa 7.50 n{VeV h&
** `moOZm AmpV`m| na An{jV n{V\$b H$s Xa, Nw>Q>Q>r ^wZmB na bmJy Zht hmoJr&
^{d` _| hmoZdo mbro doVZ ~T>mo Var H$m AmH$bZ, _wXm \$s{V, ofjVrk, nXmoZ{V Ama {Z`moOZ ~mOma _| Amny{V Ama _mJ Ogo gJV Vdm| H$mo {hgm~ _| boVo hE {H$`m OmVm h&
102
8.8
Customer Complaints :
a)
b)
c)
d)
8.9
No. of Complaints Pending at the beginning of the year

No. of Complaints Received during the year
No. of Complaints Redressed during the year
No. of Complaints Pending at the end of the year
87
1566
1584
69
Awards passed by the Banking Ombudsman :

a)
No. of unimplemented Awards at the beginning of the year
b)
No. of Awards passed by Banking Ombudsman during the year
c)
No. of Awards implemented during the year
d)
No. of unimplemented Awards Pending at the end of the year
1
1
Nil
2
8.10 Letter of Responsibility issued by the Bank:

The Bank has during the year 2005-06 issued Letter of Responsibility to the Monetory Authority of Singapore (MAS).
The nancial impact under the Letter of Responsibility issued by the Bank to the MAS for the year ending 31.03.2009
is as under:
To maintain deposits to the extent of USD 43 Million with the Singapore Branch to meet the minimum Net
adjusted HO funds (NHOF) requirement of Singapore dollar 120 Million as stipulated by MAS.
Funding support of USD 10 Million(previous year USD 40 million) provided to enable the branch to maintain
100% Asset Maintenance requirement (AMR) as stipulated by MAS.
8.11
Agricultural Debt Waiver and Debt Relief Scheme, 2008:

Government of India has notied Relief Scheme namely Agricultural Debt Waiver and Debt Relief Scheme, 2008
for giving debt waiver to marginal and small farmers and to other farmers who have availed direct agriculture loan.
The agricultural debt waiver given to the eligible farmers as per the Scheme has been given effect to in the accounts
and amounts are subject to certication of claim by the auditors.
8.12
Indian Bank Trust for Rural Development:

During the year the Board has approved formation of Indian Bank Trust for Rural Development with a corpus
contribution of Rs.10 Crore. Core objective of the trust is to exclusively focus on rural development by coordinating with other players/agencies who are also engaged in development of rural areas. Sums aggregating to
Rs.51 lakhs paid during the year is charged to Prot and Loss A/c.
9.
DISCLOSURES IN TERMS OF ACCOUNTING STANDARDS (AS):
9.1
CASH FLOW STATEMENT (AS 3)

The Cash Flow statement for the year 2008-09 is annexed separately.
9.2
EMPLOYEE BENEFITS (AS 15)
9.2.1
Provision has been made for employee benets viz. pension, gratuity, leave encashment etc. as per the Actuarial
valuation as on 31.03.09 and in accordance with the Revised AS 15. In addition, a sum of Rs. 92 crore has been
charged to Prot & Loss Account being 1/5th of the transitional liability of Rs 460 crore ascertained in accordance with
the Revised AS 15 on Employee Benets notied by the Institute of Chartered Accountants of India. The amount of
unrecognised transitional liability to be charged to Prot & Loss Account in the remaining three years is Rs.276 crore.
The summarised position of Post-employment benets and long term employee benets recognised in the Prot &
Loss Account and Balance Sheet as required in accordance with Accounting Standard 15 (Revised) are as under:
9.2.2
I. PRINCIPAL ACTUARIAL ASSUMPTIONS

[Expressed as weighted averages]
Discount Rate
Salary escalation rate
Attrition rate
Expected rate of return on Plan Assets **
Method used
* Discount Rate for Gratuity and Leave encashment is 7.50%.
31/03/2009
31/03/2008
*8.00%
8.00%
5.00%
5.00%
2.00%
2.00%
9.00%
8.50%
Project Unit Credit (PUC) actuarial Method
** Expected Rate of return on Plan Assets not applicable for Leave encashment.
The estimates of future salary increases are considered taking into account ination, seniority, promotion and other
relevant factors, such as supply and demand in the employment market.
103
Mmby df 2008-09
II. ~m`Vm Ho$ dV_mZ _y` (nrdrAmo) _| n[adVZ - AW eof Ed AV eof H$m boIm g_mYmZ
df Ho$ Ama^ _| nrdrAmo

`mO bmJV
dV_mZ godm bmJV
{dJV godm bmJV - (Ja - {Z{hV bm^)
{dJV godm bmJV - ({Z{hV bm^)
nXV bm^
~m`Vm na (gVwbZ AmH$S>m) ~r_mH$H$ hm{Z / (bm^)
df H$s g_m{ na nrdrAmo
{nN>bo df 2007-08
II. ~m`Vm Ho$ dV_mZ _y` (nrdrAmo) _| n[adVZ - AW eof Ed AV eof H$m boIm
g_mYmZ
df Ho$ Ama^ _| nrdrAmo
`mO bmJV
dV_mZ _| godm bmJV
{dJV godm bmJV - (Ja - {Z{hV bm^)
{dJV godm bmJV - ({Z{hV bm^)
nXV bm^
df H$s g_m{ na nrdrAmo
Mmby df 2008-09
III. `moOZm AmpV`m| Ho$ C{MV _y` _| n[adVZ - AW eof Ed AV eof H$m boIm g_mYmZ
df Ho$ Ama^ _| `moOZm AmpV`m| H$m C{MV _y`
`moOZm AmpV`m| na Ano{jV n{V\$b
{Z`moOH$ Ho$ AeXmZ
nXV bm^
df H$s g_m{ na `moOZm AmpV`m| H$m C{MV _y`
{nN>bo df 2007-08
III. `moOZm AmpV`m| Ho$ C{MV _y` _| n[adVZ - AW eof Ed AV eof H$m boIm g_mYmZ
df Ho$ Ama^ _| `moOZm AmpV`m| H$m C{MV _y`
{Z`moOH$ Ho$ AeXmZ
nXV bm^
df H$s g_m{ na `moOZm AmpV`m| H$m C{MV _y`
104
(.H$amoS>m| _|)
n|eZ {Z{Y
CnXmZ {Z{Y
Nw>Q>Q>r ^wZmB
1559.00
463.00
221.00
122.30
36.15
16.92
109.45
46.85
16.96
(60.48)
(22.35)
(19.00)
4.73
16.42
2.12
1735.00
540.07
238.00
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
1394.00
376.00
192.00
109.42
29.42
14.75
93.60
33.32
11.85
(52.50)
(16.38)
(15.17)
14.48
40.64
17.57
1559.00
463.00
221.00
n|eZ {Z{Y
CnXmZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
1312.60
442.20
116.48
39.40
175.96
65.09
19.00
(60-48)
(22.35)
(19.00)
5.64
0.13
1550.20
524.47
n|eZ {Z{Y
CnXmZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
1086.00
350.00
97.78
32.28
181.16
78.20
15.17
(52.50)
(16.38)
(15.17)
0.16
(2.00)
1312.60
442.20
Current Year 2008-09

II. CHANGES IN THE PRESENT VALUE OF THE OBLIGATION (PVO)
- RECONCILIATION OF OPENING AND CLOSING BALANCES:
PVO as at the beginning of the year
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Leave
Encashment
1559.00
463.00
221.00
Interest Cost
122.30
36.15
16.92
Current service cost
109.45
46.85
16.96
Past service cost - (non vested benets)

Past service cost - (vested benets)
Benets paid
Actuarial loss/(gain) on obligation (balancing gure)
PVO as at the end of the year
(60.48)
(22.35)
(19.00)
4.73
16.42
2.12
1735.00
540.07
238.00
Previous year 2007-08

II. CHANGES IN THE PRESENT VALUE OF THE OBLIGATION (PVO) RECONCILIATION OF OPENING AND CLOSING BALANCES:
PVO as at the beginning of the year
Interest Cost
Past service cost - (non vested benets)
Past service cost - (vested benets)
Benets paid
Actuarial loss/(gain) on obligation (balancing gure)
PVO as at the end of the year
(Rs. in crore
Pension
Fund
1394.00
109.42
93.60
(52.50)
14.48
1559.00
Gratuity
Leave
Fund
Encashment
376.00
192.00
29.42
14.75
33.32
11.85
0
0
(16.38)
(15.17)
40.64
17.57
463.00
221.00
Pension
Fund
Gratuity
Fund

III. CHANGES IN THE FAIR VALUE OF PLAN ASSETS RECONCILIATION OF OPENING AND CLOSING BALANCES:
Fair value of plan assets as at the beginning of the year
Expected return on plan assets
(Rs. in crore)
Leave
Encashment
1312.60
442.20
116.48
39.40
Employers Contributions
175.96
65.09
19.00
Benets paid
(60.48)
(22.35)
(19.00)
5.64
0.13
1550.20
524.47
Actuarial gain/(loss) on plan assets [balancing gure]

Fair value of plan assets as at the end of the year
Previous year 2007-08
III. CHANGES IN THE FAIR VALUE OF PLAN ASSETS RECONCILIATION OF OPENING AND CLOSING BALANCES:
Fair value of plan assets as at the beginning of the year
(Rs. in crore)
Pension
Fund
1086.00
Gratuity
Fund
350.00
Leave
Encashment
0
97.78
32.38
Employers Contributions
181.16
78.20
15.17
Benets paid
(52.50)
(16.38)
(15.17)
0.16
(2.00)
1312.60
442.20
Actuarial gain/(loss) on plan assets [balancing gure]

Fair value of plan assets as at the end of the year
105
Mmby df 2008-09
IV.
`moOZm AmpV`m| na dmV{dH$ n{V\$b

`moOZm AmpV`m| na ~r_mH$H$ bm^ (hm{Z)
{nN>bo df 2007-08
IV. `moOZm AmpV`m| na dmV{dH$ n{V\$b
`moOZm AmpV`m| na ~r_mH$H$ bm^ (hm{Z)
Mmby df 2008-09
V. nhMmZm J`m ~r_mH$H$ bm^/hm{Z
df Ho$ {bE ~r_mH$H$ bm^/(hm{Z) - ~m`Vm
df Ho$ {bE ~r_mH$H$ bm^/(hm{Z) - `moOZm AmpV`m
df Ho$ {bE Hw$b (bm^) / hm{Z
df Ho$ XmamZ nhMmZo JE ~r_mH$H$ (bm^)/hm{Z - ~m`Vm
df Ho$ AV _| Z nhMmZm J`m ~r_mH$H$ (bm^)/hm{Z
{nN>bo df 2007-08
V. nhMmZm J`m ~r_mH$H$ bm^/hm{Z
df Ho$ {bE ~r_mH$H$ bm^/(hm{Z) - ~m`Vm
df Ho$ {bE ~r_mH$H$ bm^/(hm{Z) - `moOZm AmpV`m
df Ho$ {bE Hw$b (bm^) / hm{Z
df Ho$ XmamZ nhMmZo JE ~r_mH$H$ (bm^)/hm{Z - ~m`Vm
df Ho$ AV _| Z nhMmZo JE ~r_mH$H$ (bm^)/hm{Z - ~m`Vm
{nN>bo df 2007-08
VI. VwbZ n _| nhMmZr J`r am{e`m Ama g~{YV {dbofU
~m`Vm H$m AmH${bV dV_mZ _y`
`moOZm AmpV`m| H$m C{MV _y`
AVa
nhMm{bV Z J`r gH$_UH$mbrZ Xo`Vm
nhMmZ Z H$s J`r {dJV godm bmJV - Ja {Z{hV bm^
VwbZ n _| nhMmZr J`r Xo`Vm
{nN>bo df 2007-08
VI. VwbZ n _| nhMmZr J`r am{e`m Ama g~{YV {dbofU
~m`Vm H$m AmH${bV dV_mZ _y`
`moOZm AmpV`m| H$m C{MV _y`
AVa
igpkuh J`r gH$_UH$mbrZ Xo`Vm
nhMmZr Z J`r {dJV godm bmJV - Ja {Z{hV bm^
VwbZ n _| nhMmZr J`r Xo`Vm
106
(.H$amoS>m| _|)
n|eZ {Z{Y
CnXmZ {Z{Y
Nw>Q>Q>r ^wZmB
116.48
39.40
5.64
0.13
122.12
39.53
n|eZ {Z{Y
CnXmZ {Z{Y
97.78
32.28
0.16
(2.00)
97.95
30.38
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
(4.73)
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
bmJy Zht
bmJy Zht
bmJy Zht
(16.42)
(2.12)
5.64
0.13
(0.91)
16.30
2.12
(0.91)
16.30
2.12
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
(14.48)
(40.64)
(17.57)
0.16
(2.00)
14.32
42.63
17.57
14.32
42.63
17.57
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
1735.00
540.07
238.00
1550.20
524.47
184.80
15.60
238.00
(184.80)
(15.60)
(37.20)
200.80
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
1559.00
463.00
221.00
1312.60
442.20
246.40
20.80
221.00
(246.40)
(20.80)
(49.60)
171.40

IV. ACTUAL RETURN ON PLAN ASSETS
Actuarial gain / (loss) on plan assets
Actual return on plan assets
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Leave
Encashment
116.48
39.40
5.64
0.13
122.12
39.53
Previous Year 2007-08

IV. ACTUAL RETURN ON PLAN ASSETS
Actuarial gain / (loss) on plan assets
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Leave
Encashment
97.78
32.38
NA
0.16
(2.00)
NA
97.94
30.38
NA

V. ACTUARIAL GAIN / LOSS RECOGNIZED
Acturial gain / (loss) for the year - Obligation
Actuarial gain / (loss) for the year- Plan Assets
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Leave
Encashment
(4.73)
(16.42)
(2.12)
5.64
0.13
Total (gain) / loss for the year
(0.91)
16.30
2.12
Actuarial (gain) / loss recognized in the year
(0.91)
16.30
2.12
Unrecognized actuarial (gain) / loss at the end of the year

V. ACTUARIAL GAIN / LOSS RECOGNIZED
Acturial gain / (loss) for the year - Obligation
Actuarial gain / (loss) for the year- Plan Assets
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Leave
Encashment
(14.48)
(40.64)
(17.57)
0.16
(2.00)
Total (gain) / loss for the year
14.32
42.63
17.57
Actuarial (gain) / loss recognized in the year
14.32
42.63
17.57
Unrecognized actuarial (gain) / loss at the end of the year

VI. AMOUNTS RECOGNISED IN THE BALANCE SHEET AND RELATED
ANALYSES
Estimated Present value of the obligation
Fair value of plan assets
Difference
Unrecognised transitional liability
Unrecognised past service cost non vested benets
Liability recognized in the balance sheet
VI. AMOUNTS RECOGNISED IN THE BALANCE SHEET AND
RELATED ANALYSES
Estimated Present value of the obligation
Difference
Unrecognised transitional liability
Unrecognised past service cost non vested benets
Liability recognized in the balance sheet
(Rs. in crore)
Pension
Fund
1735.00
1550.20
184.80
(184.80)
0
0
Gratuity
Fund
540.07
524.47
15.60
(15.60)
0
0
Leave
Encashment
238.00
0
238.00
(37.20)
0
200.80
(Rs. in crore)
Pension
Gratuity
Leave
Fund
Fund
Encashment
1559.00
463.00
221.00
1312.60
442.20
0
246.40
20.80
221.00
(246.40)
(20.80)
(49.60)
0
0
0
0
0
171.40
107
Mmby df 2008-09
VII. bm^ Ed hm{Z boI| _| nhMmZo Jò ``
dV_mZ godm bmJV
`mO bmJV
{Zdb ~r_mH$H$ (bm^)/ hmZr Omo Bg df _| nhMmZr J`r h
Bg df _| nhMmZr J`r gH$_UH$mbrZ Xo`Vm
{dJV godm bmJV - Ja {Z{hV bm^
{dJV godm bmJV - {Z{hV bm^
bm^ Ed hm{Z boI| _| nhMmZm J`m ``
{nN>bo df 2007-08
VIII. bm^ Ed hm{Z boIo _| nhMmZo Jò ``
dV_mZ godm bmJV
`mO bmJV
{Zdb ~r_mH$H$ (bm^)/ hm{Z Omo Bg df _| nhMmZr J`r h
Bg df _| nhMmZr J`r gH$_UH$mbrZ Xo`Vm
{dJV godm bmJV - Ja {Z{hV bm^
{dJV godm bmJV - {Z{hV bm^
bm^ Ed hm{Z boI| _| nhMmZo Jò ``
Mmby df 2008-09
VIII. VwbZ n _| nhMmZr J`r Xo`mVmAm| _| n[adVZ
{Zdb Xo`Vm H$m Ama^ eof
Cn`wVmZwgma ``
nXV AeXmZ
{Zdb Xo`Vm H$m AVeof
{nN>bo df 2007-08
VIII. VwbZ n _| nhMmZr J`r Xo`mVmAm| _| n[adVZ
{Zdb Xo`Vm H$m Ama^ eof
Cn`wVmZwgma ``
nXV AeXmZ
{Zdb Xo`Vm H$m AVeof
IX. dV_mZ df Ho$ {bE am{e
~m`Vm H$m dV_mZ _y`

`moOZm AmpV`m
A{Yeof (KmQ>m)
`moOZm Xo`VmAm| na AZw^d g_m`moOZ
`moOZm AmV`m| na AZw^d g_m`moOZ
108
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
109.45
46.85
16.96
122.30
36.15
16.92
(116.48)
(39.40)
(0.91)
16.30
2.12
61.60
5.20
12.40
175.96
65.09
48.40
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
93.60
33.32
11.85
109.42
29.42
14.75
(97.78)
(32.38)
14.32
42.63
17.57
61.60
5.20
12.40
181.16
78.20
56.57
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
171.40
175.96
65.09
48.40
(175.96)
(65.09)
(19.00)
n|eZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
CnXmZ {Z{Y
0
130.00
181.16
78.20
56.57
(181.16)
(78.20)
(15.17)
171.40
n|eZ {Z{Y
CnXmZ {Z{Y
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
1735.00
540.07
238.00
1550.20
524.47
(184.80)
(15.60)
(238.00)
(4.73)
(2.92)
3.83
5.64
0.13

VII. EXPENSES RECOGNISED IN THE STATEMENT OF PROFIT AND
LOSS:
Interest Cost
(Rs. in crore)
Pension
Fund
Gratuity
Fund
109.45
Leave
Encashment
46.85
16.96
122.30
36.15
16.92
(116.48)
(39.40)
Net actuarial (gain)/loss recognised in the year
(0.91)
16.30
2.12
Transitional Liability recognised in the year
61.60
5.20
12.40
Past service cost - non-vested benets
Past service cost - vested benets
175.96
65.09
48.40
Expenses recognized in the statement of prot and loss

VII. EXPENSES RECOGNISED IN THE STATEMENT OF PROFIT AND
LOSS:
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Leave
Encashment
93.60
33.32
11.85
Interest Cost
109.42
29.42
14.75
(97.78)
(32.38)
Net actuarial (gain)/loss recognised in the year
14.32
42.63
17.57
Transitional Liability recognised in the year
61.60
5.20
12.40
Past service cost - non-vested benets
Past service cost - vested benets
181.16
78.20
56.57
Expenses recognized in the statement of prot and loss

VIII. MOVEMENTS IN THE LIABILITY RECOGNIZED IN THE BALANCE
SHEET
(Rs. in crore)
Pension
Fund
Gratuity
Fund
Opening net liability

Expense as above
Contribution paid
Leave
Encashment
171.40
175.96
65.09
48.40
(175.96)
(65.09)
(19.00)
200.80
Closing net liability

VIII. MOVEMENTS IN THE LIABILITY RECOGNIZED IN THE BALANCE
SHEET
Opening net liability
Expense as above
Contribution paid
Closing net liability
(Rs. in crore)
Pension
Fund
Gratuity
Fund
0
Leave
Encashment
0
130.00
181.16
78.20
56.57
(181.16)
(78.20)
(15.17)
171.40
(Rs. in crore)
IX. AMOUNT FOR THE CURRENT YEAR

Present Value of obligation
Pension
Fund
1735.00
Gratuity
Fund
540.07
Leave
Encashment
238.00
Plan Assets
1550.20
524.47
Surplus (Decit)
(184.80)
(15.60)
(238.00)
(4.73)
(2.92)
3.83
5.64
0.13
Experience adjustments on plan liabilities

Experience adjustments on plan assets
109
IX. {nN>bo df Ho$ {bE am{e
n|eZ {Z{Y
~m`Vm H$m dV_mZ _y`

`moOZm AmpV`m
A{Yeof (KmQ>m)
`moOZm Xo`VmAm| na AZw^d g_m`moOZ
`moOZm AmV`m| na AZw^d g_m`moOZ
X. `moOZm AmpV`m| Ho$ _w` gdJ (Hw$b `moOZm AmpV`m| Ho$ n{VeV _|)
n|eZ {Z{Y
CnXmZ {Z{Y
1559.00
463.00
221.00
1312.60
442.40
(246.40)
(20.80)
(221.00)
(14.48)
(40.64)
(17.57)
0.16
(2.00)
CnXmZ {Z{Y
n|eZ {Z{Y
2008-09
^maV gaH$ma H$s n{V^y{V`m

am` gaH$ma H$s n{V^y{V`m
C JwUdVmdmbo H$mnm}aoQ> ~mS>
gyMr~ H$n{Z`m| Ho$ B{$Q>r eoà
n[agnpV
{deof O_m `moOZm
~r_mH$Vm mam `dpWV {Z{Y`m
A` (CoI H$a|) {ZOr jo ~mS>
Hw$b
2007-08
26.00%
30.00%
26.00%
21.00%
17.00%
22.00%
19.00%
47.00%
55.00%
45.00%
51.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
3.00%
2.00%
3.00%
2.00%
100.00%
100.00%
100.00%
100.00%
Jo`w{Q> am{e
n|eZ {Z{Y
2008-09
9.3
(.H$amoS>m| _|)
CnXmZ {Z{Y
29.00%
n|eZ {Z{Y
XI. AJbo df Ho$ XmamZ AeXmZ na C_ H$m gdm} AZw_mZ
(.H$amoS>m| _|)
Nw>Q>Q>r ^wZmB
200.00
80.00
(.H$amoS>m| _|)
Jo`w{Q> am{e
2007-08
200.00
80.00
IS> [anmo{Q>J (EEg 17)

boImH$aU _mZH$m| na ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma, ~H$ Ho$ n[aMmbZm| H$mo nmW{_H$ IS> `Wm, H$mamo~ma IS> {Og_| amO H$mof H$mnm}aoQ> /WmoH$
~qH$J IwXam ~qH$J Ed A` ~qH$J n[aMmbZ em{_b h VWm {Vr` IS> Omo {H$ ^mJmo{bH$ IS> h {Ogo Xoer Ed AVam>r` Ho$ $n _| dJuH$V {H$`m J`m
h, {ZZmZwgma h
110
(Rs.crore)
Pension
Fund
IX. AMOUNT FOR THE PREVIOUS YEAR

Present Value of obligation
1559.00
Gratuity
Fund
Leave
Encashment
463.00
221.00
Plan Assets
1312.60
442.20
Surplus (Decit)
(246.40)
(20.80)
(221.00)
(14.48)
(40.64)
(17.57)
0.16
(2.00)
Experience adjustments on plan liabilities

Experience adjustments on plan assets
X. MAJOR CATEGORIES OF PLAN ASSETS (AS

PERCENTAGE OF TOTAL PLAN ASSETS)
Pension
Fund
Gratuity
Fund
2008-09
Government of India Securities
29.00%
Pension
Fund
Gratuity
Fund
2007-08
26.00%
30.00%
26.00%
State Government Securities
21.00%
17.00%
22.00%
19.00%
High Quality Corporate Bonds
47.00%
55.00%
45.00%
51.00%
Equity shares of listed companies
0.00%
0.00%
0.00%
0.00%
Property
0.00%
0.00%
0.00%
0.00%
Special Deposit Scheme
0.00%
0.00%
0.00%
2.00%
Funds managed by Insurer
0.00%
0.00%
0.00%
0.00%
Others (to specify) Private Sector Bonds

Total
3.00%
2.00%
3.00%
2.00%
100.00%
100.00%
100.00%
100.00%
(Rs.crore)
Pension
Fund
Gratuity
Fund
2008-09
XI. ENTERPRISES BEST ESTIMATE OF CONTRIBUTION
DURING NEXT YEAR
9.3
200.00
Pension
Fund
Gratuity
Fund
2007-08
80.00
200.00
80.00
SEGMENT REPORTING (AS 17)

As per the Reserve Bank of India guidelines on Accounting Standards, the Banks operations are classied into
Primary segment i.e. the business segment comprising of Treasury, Corporate / Wholesale Banking, Retail
Banking and Other Banking Operations and Secondary segment being the geographical segment comprising of
Domestic and International as follows:
111
IS> [anmo{Q>J
H$_ g. {ddaU
^mJ - H$ H$mamo~ma IS>m|

IS>r` amOd
H$) amOH$mof n[aMmbZ
I) H$mnm}aoQ> ~qH$J
J) IwXam ~qH$J
K) A` ~qH$J n[aMmbZ
Hw$b
KQ>mE AVa IS>r` amOd
n[aMmbZm| go {Zdb {~{H$`m / Am`
IS>r` n[aUm_ (bm^)
I) H$mnm}aoQ> ~qH$J
J) IwXam ~qH$J
K) A` ~qH$J n[aMmbZ
Hw$b
KQ>mE
(i) `mO
(ii) A` Ja-Am~Q>Zr` ``
(iii) Ja-Am~Q>Zr` Am`
H$a Ho$ nyd {Zdb bm^
IS>r` AmpV`m
I) H$mnm}aoQ> ~qH$J
J) IwXam ~qH$J
K) A` ~qH$J n[aMmbZ
IS>r` Xo`VmE
I) H$mnm}aoQ> ~qH$J
J) IwXam ~qH$J
K) A` ~qH$J n[aMmbZ
Hw$b
AZm~{Q>V Xo`VmE
I
amOd
H$) Xoer n[aMmbZ
I) {dXoer n[aMmbZ
Hw$b
II
AmpV`m
H$) Xoer n[aMmbZ
I) {dXoer n[aMmbZ
Hw$b
ZmoQ> IS>dma AmpV`m| Ho$ AmYma na IS>dma ``m| H$m Am~Q>Z {H$`m OmVm h&
112
(. H$amS>m| _|)
g_m df
3 _hrZm| H$mo g_m

31.03.2009 31.03.2008
31.03.2009
31.03.2008
(boImnarjV) (boImnarjV)
(boImnarjV)
(boImnarjV)
537.64
43878.00
1967.71
1893.89
622.91
56272.00
2288.66
1994.65
798.71
56263.34
3061.11
2015.40
189.22
10871.40
548.30
314.72
2148.48
167284.74
7865.77
6218.67
0.00
0.00
0.00
0.00
2148.48
167284.74
7865.77
6218.67
290.73
43.94
521.46
327.87
251.86
188.16
667.04
512.53
110.64
192.21
877.13
544.07
-17.51
98.66
163.20
274.82
635.72
522.97
2228.83
1659.30
0.00
0.00
0.00
0.00
24.32
178.20
443.23
424.32
0.00
0.00
0.00
0.00
611.40
344.77
1785.59
1234.97
25950..26
28945.36
29503.26
28945.36
29492.50
20939.50
29492.50
20939.15
25031.40
20081.22
25031.40
20081.22
296.48
541.90
296.48
541.90
84323.65
70507.63
84323.65
70507.63
27006.54
26820.67
27006.54
26820.67
26996.69
19402.14
26996.69
19402.14
22913.11
18622.20
22913.11
18622.20
271.39
502.12
271.39
502.12
77187.73
70507.63
77187.73
70507.63
2093.59
1638.47
7665.87
6072.30
54.89
34.38
199.90
146.37
2148.48
1672.85
7865.77
6218.67
80136.46
67571.27
80136.46
67571.27
3985.29
2936.42
3985.29
2936.42
84121.75
70507.69
84121.75
70507.69
SEGMENT REPORTING
Particulars
(Rs in Crore)
3 months ended
Year ended
Year ended
31.03.09
31.03.08
31.03.09
31.03.08
(Audited)
(Audited)
(Audited)
(Audited)
(a) Treasury Operations
537.70
437.26
1949.29
1893.20
(b) Corporate Banking
670.97
580.72
2435.98
2029.81
(c) Retail Banking
817.77
585.32
3063.72
2047.55
Part A. Business Segments

I. Segment Revenue
(d) Other Banking Operations

Total
Less: Inter Segment Revenue
122.04
69.55
416.78
248.11
2148.48
1672.85
7865.77
6218.67
0.00
0.00
0.00
0.00
2148.48
1672.85
7865.77
6218.67
73.08
38.79
262.42
312.59
129.43
207.85
373.93
554.67
(c) Retail Banking
316.78
216.84
1210.16
584.00
Net Sales/Income from operations

2. Segment Results (Prot)

Total
Less: (I) Interest
(ii) Other Un-allocable Expenditure
(iii) Un-allocable income
116.43
59.48
382.32
208.04
635.72
522.96
2228.83
1659.30
0.00
0.00
0.00
0.00
24.32
178.20
443.24
424.32
0.00
0.00
0.00
0.00
611.40
344.76
1785.59
1234.98
29484.39
28687.87
29484.39
28687.87
29224.75
21112.45
29224.75
21112.45
(c) Retail Banking
25113.12
20158.59
25113.12
20158.59
299.48
548.78
299.48
548.78
84121.74
70507.69
84121.74
70507.69
Total Prot Before Tax

Segment Assets

Total
Segment Liabilities
26983.27
26588.19
26983.27
26588.19
26745.66
19567.23
26745.66
19567.23
(c) Retail Banking
22982.81
18683.17
22982.81
18683.17
274.09
508.60
274.09
508.60
76985.83
65347.19
76985.83
65347.19
7135.91
5160.50
7135.91
5160.50
2093.59
1638.47
7665.87
6072.30
54.89
34.38
199.90
146.37
2148.48
1672.85
7865.77
6218.67
80136.45
67571.27
80136.45
67571.27
3985.29
2936.42
3985.29
2936.42
84121.74
70507.69
84121.74
70507.69

Total
Unallocated liabilities
Part B. Geographic Segments
I. Revenue
a) Domestic Operations
b) Foreign Operations
Total
II. Assets
Total
Note : Allocation of segmental expenses is done based on the segmental assets.
113
9.4
E)
g~ nj nH$Q>rH$aU (E Eg 18)
g~ njm| Ho$ Zm_ VWm ~H$ Ho$ gmW CZHo$ g~Y
AZwf{J`m
BS> ~H$ hmCqgJ {b{_Qo>S>
BS> ~H$ _M}Q> ~qH$J g{dgoO {b{_Qo>S>
baMQaM eSustesaV fyfeVsM
i.
ii.
iii.
~r)
gh`moJr (jor` Jm_rU ~H$)

ndZ Jm_ ~H$
g{Jar Jm_rU ~H$
nwXwd ^ma{V`ma Jm_ ~H$ (26.03.08 H$mo Wm{nV)
_w` n~YH$s` H$m{_H$
lr E_ Eg gwXa amOZ - A`j Ed n~Y {ZXoeH$
i.
ii.
iii.
gr.
lr E. gw~_{U`Z
- H$m`nmbH$ {ZXoeH$
lr vuwi eH$a ^Q>Q>mMm` - H$m`nmbH$ {ZXoeH$

g~{YV nmQ>u boZXoZ {ZZ{b{IV h
H$.
n_wI n~YH$s` H$m{_H$ H$mo df Ho$ XmamZ nò 33.41 bmI nò nm[al{_H$ H$m ^wJVmZ {H$`m J`m ({nN>bo df .27.10 bmI)
lr E_ Eg gwXa amOZ, A Ed n {Z nXV nm[al{_H$ (01.04.08 go 31.03.09) {ZnmXZ go g~{YV nmogmhZ
lr E gw~_{U`Z, H$m`nmbH$ {ZXoeH$ nXV nm[al{_H$ (01.04.08 go 31.03.09) {ZnmXZ go g~{YV nmogmhZ
lr vuwi eadj ^Q>Q>mMm`, H$m`nmbH$ {ZXoeH$ nXV nm[al{_H$ (15.10.08 go 31.03.09)
S>m Ho$ gs MH$~Vu ^yVnyd A Ed n {Z doVZ gemoYZ H$s ~H$m`m am{e (h_mas ~H$ _| CZH$s godmd{Y Ho$ {bE) {ZnmXZ
go g~{YV nmogmhZ
.6.98 bmI .7.75 bmI

.6.80 bmI .5.42 bmI
.2.84 bmI
.2.29 bmI .1.33 bmI
I.
AZwf{J`m| Ama gh`mo{J`m| Ho$ g^r boZXoZ H$mo g~{YV nmQ>u nH$Q>rH$aU E Eg-18 Ho$ nam-9 Ho$ AZwgma nH$Q>rH$aU Zht {H$`m J`m h, {Oh| am` {Z`{V CnH$_m|
H$mo CZHo$ boZXoZ go g~{YV nmQ>u, Omo d` amO` {Z`{V CnH$_ h, nH$Q>rH$aU go Ny>Q> Xr JB h&
9.5
nQ>Qo> (EEg 19)

nQ>Qo>/{H$amE Ho$ AmYma na br JB gnpV`m| H$mo ~H$ H$s BN>mZwgma ZdrH$V/aXX H$aZo `mo` h& A{V[aV {H$amE/nQ>Q>m {H$amE Ho$ {ddmXm| Ho$ g~Y _| ~H$ H$s Xo`VmAm|
H$mo {ZnQ>mZ AWdm ZdrH$aU na _mZm OmVm h&
9.6
n{V eoà AOZ (EEg 20)

{ddaU
B{$Q>r eoà YmaH$m| hoVw Cnb~Y H$a Ho$ ~mX {Zdb bm^ (.H$amoS> _|)
B{$Q>r eoàm| H$s ^m[aV AmgV g`m
114
2008-09
1201.45
2007-08
967.79
429770000 42,97,70,000
n{V eoà _yb VWm H$_ {H$`m hAm AOZ
.27.96
.22.52
n{V B{$Q>r eoà A{H$V _y`
.10.00
.10.00
9.4
RELATED PARTY DISCLOSURES (AS 18)

Names of the Related Parties and their relationship with the Bank :
a) Subsidiaries :
i. Ind Bank Housing Ltd.
ii. Indbank Merchant Banking Services Ltd.
iii. Indfund Management Ltd.
c)
b) Associates : (Regional Rural Banks)

i) Pallavan Grama Bank
ii) Saptagiri Grameena Bank
iii) Puduvai Bharathiar Grama Bank (established on 26.03.08)
Key Managerial Personnel:
Shri. M S Sundara Rajan
Shri. A. Subramanian
Shri. Anup Sankar Bhattacharya

Executive Director
Executive Director
Related Party transactions are as under:

a)
Remuneration paid to Key Management Personnel during the year Rs. 33.41 lakhs (previous year Rs 27.10 lakhs)
Shri. M S Sundara Rajan, CMD
Remuneration paid (01.04.08 to 31.03.09)
Performance Linked Incentive
Rs.6.98 lakhs
Rs.7.75 lakhs
Shri. A Subramanian, ED
Rs.6.80 lakhs
Rs.5.42 lakhs
Shri. Anup Sankar Bhattacharya, ED

Rs.2.84 lakhs
Dr. K C Chakrabarty Ex CMD

Arrears on Pay revision (for his tenure at our Bank)
Rs.2.29 lakhs
Rs.1.33 lakhs
b)
The transactions with subsidiaries and associates have not been disclosed in view of para 9 of AS-18 Related Party
Disclosure, which exempts state controlled enterprises from making any disclosure pertaining to their transactions
with other related parties which are also state controlled enterprises.
9.5
Leases (AS 19)

The properties taken on lease/rental basis are renewable/ cancelable at the option of the Bank. The Banks liabilities
in respect of disputes pertaining to additional rent / lease rent are recognized on settlement or on renewal.
9.6
Earnings Per Share (AS 20)

Particulars
Net Prot after tax available for equity shareholders (Rs. in Crore)
2008-09
2007-08
1201.45
967.79
429770000
429770000
Basic & Diluted Earning Per Share
Rs.27.96
Rs 22.52
Nominal value per Equity Share
Rs.10.00
Rs 10.00
Weighted Average Number of Equity Shares
115
9.7
E. Am` na H$am| Ho$ {bE boImH$aU (EEg 22)

S>rQ>rE(AW{JV H$a AmpV`m) / S>rQ>rEb (AW{JV H$a Xo`VmE) Ho$ _w` gKQ>H$ {ZZ nH$ma h
S>rQ>rE / S>rQ>rEb gKQ>H$
gKQ>H$
AmW{JV H$a AmpV`m
1. AJmZrV hm{Z`m*
2. ^wJVmZ/{H$Q>mBboOoeZ na AZw_o`, Xo`VmAm| H$m nmdYmZ
3. ^mdr _y`mH$Zm| _| AZw_o` ``
4. Q>m\$ H$`mU ``
Hw$b-S>rQ>rE
AmW{JV H$a Xo`VmE
1. pWa AmpV`m| na _y`hmg
2. gaH$mar n{V^y{V`m| na `mO
3. ~o> ImVo _| S>mbo JE ImVm| hoVw nmdYmZ
Hw$b - S>rQ>rEb
{Zdb S>rQ>rE / S>rQ>rEb
(. H$amoS>m| _|)
31-03-2009
31-03-2008
0.00
521.86
104.09
69.35
3.14
5.49
1.69
0.84
108.92
597.54
39.57
57.78
143.87
154.65
169.49
134.72
352.93
347.15
-244.01
25.39
*Qkby
dh xbZ fooj.kksa dks /;ku esa j[kdj vkSj i{k esa gks ldusokys dkuwuh fu.kZ;ksa ij Hkjkslk djds
I.
`yZV_ dH$pnH$ H$a (E_EQ>r) F$U

df Ho$ XmamZ ~H$ Zo Am`H$a A{Y{Z`_, 1961 Ho$ AZwgma `yZV_ dH$pnH$ H$a (E_EQ>r) Ho$ AZw$n Am`H$a hoVw nmdYmZ {H$`m h Omo{H$ nMmVdVu dfm} _| goQ>Am\$
Ho$ {bE H$a Ho${S>Q> Ho$ $n _| CnbY h& Am`H$a A{Y{Z`_, 1961 Ho$ VhV AmBgrEAmB mam Omar E_EQ>r Ho$ g~Y _| CnbY Ho${S>Q> hoVw boImH$Z na {Xem{ZX}
e ZmoQ> Ho$ AZw$n dV_mZ df Ho$ {bE .151.06 H$amoS> Ho$ E_EQ>r Ho${S>Q> H$mo E_EQ>r Ho${S>Q> hH$Xma ImVo H$mo So>{~Q> H$aHo$ nmdYmZ Ama nmg{JH$VmE Ho$ VhV
bm^ Ed hm{Z ImVo H$mo Ho${S>Q> {H$`m J`m h&
9.8
AmpV`m| H$m AZOH$ hmoZm (EEg 28)

AMb AmpV`m| H$mo Omo {H$ ~H$ H$s Ja-{dVr` AmpV`m| h, H$mnm}aoQ> AmpV`m| Ho$ $n _| _mZ {b`m J`m h Z {H$ ZH$X AOZ H$aZo dmbr BH$mB Ho$ $n _| Ogm {H$
AmBgrEAmB mam Omar Eg 28 mam n[a^m{fV H$s JB h& n~YZ H$s am` _| ~H$ H$s pWa AmpV`m| _| H$moB AZOH$ Zht h&
10.
bm^me
B{$Q>r B{$Q>r bm^me Ho$ nmdYmZ _| 20 n{VeV H$m A{V_ bm^me (.85.95 H$amoS>) Ama 30 n{VeV H$m nVm{dV A{V_ bm^me (.128.93 H$amoS>)
em{_b h&
Wm`r Ja - gM`r A{Y_mZ eoà nVm{dV bm^me _| 31.12.2008 VH$ 8.75 n{VeV H$s Xa na nXV .26.25 H$amoS> H$m AV[a_ bm^me em{_b h& df
Ho$ {bE nVm{dV A{Y_mZ bm^me .37.50 H$amoS> h, Omo 01.04.2008 go 30.09.2008 VH$ 8.75 n{VeV na Ama 01.10.2008 go 31.03.2009 VH$
10 n{VeV na n[aH${bV {H$`m J`m h&
{d{dY Am` _| df Ho$ XmamZ ~Q>Qo> ImVo _| S>mbo JE ImVm| _| dgybr JB .183.00 H$amoS> H$s am{e em{_b h ({nN>bm df .312.93 H$amoS>)
nmdYmZm| Ed nmg{JH$VmAm| _| .173 H$amoS> H$s am{e em{_b h Omo g_PmVm Z hmoZo Ho$ H$maU n~YZ Ho$ dV_mZ {ZYmaU Ho$ AmYma na H$_Mm[a`m| Ho$ nm[al{_H$ /
bm^m| H$s ~H$m`m am{e Ho$ n{V {H$E JE nmdYmZ h& n[aUV dMZ~VmAm| H$mo nyam H$aZo Ho$ df _| g_w{MV g_m`moOZ {H$E OmEJo&
{nN>bo df Ho$ AmH$S>m| H$mo Mmby df Ho$ AmH$S>m| Ho$ AZw$n ~ZmZo Ho$ {bE Ohm H$ht Amd`H$ hmo, nwZ g_yh~ / nwZdJrH$V {H$`m J`m h&
11.
12.
13.
E_ Eg gwXa amOZ
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
dqekj lat; H$U, gr Ama JmonmbgwXa_, AemoH$
DIRECTORS:
Jwm, Q>r Q>r ZQ>amOZ, S>m Or gwYmH$a amd, lr_Vr gm[a`m ImZ, izks-
ujsUnz dqekj vxzoky
AUDITORS:
gZXr boImH$ma
gZXr boImH$ma

gZXr boImH$ma
vkj- lqczef.k;u
vkj- ih- vxjoky
th- ,l- jkepUnz jko
gmPoXma
gmPoXma
gmPoXma
(M.No. 008460)
(M.No. 051979)
(M.No. 004865)
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
ih ,y feRry
,l lqjsUnz jkeu
,l- LokehukFku
gmPoXma
(M.No. 014278)
WmZ MoZ
VmarI 27.04.2009
116
gmPoXma
gmPoXma
(M.No. 022137)
(M.No. 023998)
9.7
A. Accounting for Taxes on Income (AS 22)

The major components of DTA (Deferred Tax Assets) / DTL (Deferred Tax Liabilities) are as follows:
DTA / DTL COMPONENTS
(Rs. in Crore)
Components
31.03.2009
31.03.2008
Deferred Tax Assets

1. Brought forward losses*
2. Liabilities provision allowable on payment / crystallization
3. Expenditure allowable in future assessments
4. Staff welfare expenses
TOTAL- DTA
Deferred Tax Liabilities
1. Depreciation on Fixed Assets
2. Interest on Government securities
3. Provision for Written-off Accounts
TOTAL DTL
NET DTA/ DTL
9.7
9.8
10
11
12
13
0.00
104.09
3.14
1.69
108.92
521.86
69.35
5.49
0.84
597.54
39.57
143.87
169.49
352.93
(244.01)
57.78
154.65
134.72
347.15
250.39
*having regard to returns of income led and relying on certain favourable judicial pronouncements.
B. Minimum Alternate Tax (MAT) Credit
During the year the Bank has provided for Income Tax in accordance with the Minimum Alternate Tax (MAT) as per
the Income Tax Act, 1961 which is available as Tax credit to be set off in subsequent years. In accordance with the
Guidance Note on Accounting for credits available in respect of MAT under the Income Tax Act, 1961 issued by
the ICAI the MAT credit for the current year amounting to Rs.151.06 crore has been credited to P& L Account under
Provisions and contingencies by debiting MAT credit entitlement Account.
Impairment of Assets (AS 28)
Fixed Assets being the non-nancial assets possessed by the Bank are treated as Corporate Assets and not as Cash
generating units as dened by AS 28 issued by ICAI. In the opinion of the management there is no impairment of any
of the xed assets of the bank.
Dividend
Equity: Provision for equity dividend includes interim dividend at 20% (Rs.85.95 crores) and proposed nal dividend at
30% (Rs.128.93 crores).
Perpetual non-cumulative Preference Shares: Proposed dividend include interim dividend of Rs.26.25 crore paid at
the rate of 8.75% upto 31.12.2008. The preference dividend proposed for the year is Rs.37.50 crore reckoned at 8.75%
from 01.04.2008 to 30.09.2008 and 10% from 01.10.2008 to 31.03.2009.
Miscellaneous income includes a sum of Rs.183.00 crore being recovery in written-off accounts during the year
(Previous year Rs.312.93 crore).
Provisions and Contingencies include a sum of Rs.173.00 crore being provisions made towards arrears of employees
remuneration / benets based on current assessment of the management pending nalization of the settlement.
Appropriate adjustments will be carried out in the year of meeting the crystallized commitments.
Previous years gures have been regrouped / reclassied, wherever necessary to conform to current years gures.
M S SUNDARA RAJAN
A SUBRAMANIAN
Executive Director
A S BHATTACHARYA
Executive Director
V. GANESAN
General Manager
DIRECTORS:
KUMAR SANJAY KRISHNA, C R GOPALASUNDARAM, ASHOK GUPTA, T T NATARAJAN, DR G SUDHAKAR RAO, Mrs. SARIA KHAN, PROF. NARENDRA KUMAR AGRAWAL
AUDITORS:
R SUBRAMANIAN
Partner
(M.No. 008460)

R P AGARWAL
Partner
(M.No. 051979)
For GRANDHY & CO.,

G S RAMACHANDRA RAO
Partner
(M.No. 004865)
For P L MITTAL & CO

P L MITTAL
Partner
(M.No. 014278)

S SUNDARA RAMAN
Partner
(M.No. 022137)

S SWAMINATHAN
Partner
(M.No. 023998)
Place Chennai
Date : 27.04.2009
117
_mM 31, 2009 H$mo g_m df Ho$ {bE ZH$Xr ndmh {ddaU
(#i, gtkjksa esa)
31.03.2009 H$mo
31.03.2008 H$mo
g_m df
g_m df
bm^ d hm{Z ys[ksao Ho$ AZwgma {Zdb bm^

{ZZ{b{IV hooVw g_m`moOZ
nmdYmZ d AmH$p_H$ ``
_y`hmg
AmpV`m| H$s {~H$s na hm{Z
1245 32 30
1008 73 93
983 50 72
650 55 70
84 55 76
102 44 98
(682)
52 12
H$mèrb nyOr n[adVZm| Hoo$ nyd n[aMmbZJV bm^
2313 31 96
1762 26 73
n[aMmbZJV AmpV`m| _| d{ / H$_r

{Zdoem| _| d{
A{J_m| _| d{
A` AmpV`m| _| d{
(8855002)
(10373341)
(116265672)
(107806026)
(1360414)
(256606)
(126481088)
(118435973)
115358837
13955 04 10
(7524568)
(6532135)
(659732)
(9818614)
10717 45 37
12319 96 61
n[aMmbZm| go g{OV Hw$b ZH$Xr
382 66 45
2238 63 61
{Zdoe J{V{d{Y`m| go ZH$Xr ndmh

AMb AmpV`m| H$s IarX
AMb AmpV`m| H$s {~H$s
(1056680)
(966908)
6 61 08
1 40 73
(990572)
(952835)
{dVnmofU J{V{d{Y`m| go Hw$b ZH$Xr ndmh

bm^me H$s AXm`Jr
bm^me {dVaU H$a H$s AXm`Jr
(3191120)
(1609310)
(534995)
(273502)
{dVnmofU J{V{d{Y`m| go g{OV {Zdb ZH$Xr
(3726115)
(1882812)
n[aMmbZJV J{V{d{Y`m| go ZH$Xr

{dVnmofU J{V{d{Y`m| go ZH$Xr ndmh
382 66 45
2238 63 61
n[aMmbZJV Xo`VmAm| _| d{ / H$_r

O_mAm| _| d{
CYmam| _| H$_r
A` Xoo`VmAm| _| H$_r
{Zdooe J{V{d{Y`m| go g{OV Hw$b ZH$Xr
ZH$Xr Ama ZH$Xr g_H$aUm| _| d{ ;k H$_r
118
(990572)
(952835)
(3726115)
(1882812)
(890042)
(19550714)
CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31,2009

(Rs in Thousands)
Year ended
31.03.2009
Year ended
31.03.2008
1245 32 30
1008 73 93
983 50 72
84 55 76
(6 82)
650 55 70
102 44 98
52 12
2313 31 96
1762 26 73
(885 50 02)
(11626 56 72)
(136 04 14)
(1037 33 41)
(10780 60 26)
(25 66 06)
(12648 10 88)
(11843 59 73)
11535 88 37
(752 45 68)
(65 97 32)
13955 04 10
(653 21 35)
(981 86 14)
10717 45 37
12319 96 61
382 66 45
2238 63 61
(105 66 80)
6 61 08
(96 69 08)
1 40 73
(99 05 72)
(95 28 35)
cash ow from Financing Activities

Dividend paid
Dividend distribution tax paid
(319 11 20)
(53 49 95)
(160 93 10)
(27 35 02)
Net cash generated from nancing activities
(372 61 15)
(188 28 12)
Cash ow from Operating Activities

Cash ow from Investing Activities
Cash ow from Financing Activities
382 66 45
(99 05 72)
(372 61 15)
2238 63 61
(95 28 35)
(188 28 12)
(89 00 42)
1955 07 14
Net Prot as per Prot and Loss Account

Adjustments for :
Provisions and Contingencies
Depreciation
Prot on sale of assets
Increase/Decrease in Operating Assets
Increase in Investments
Increase in advances
Increase in other assets
Increase/Decrease in Operating liabilities
Increase in Deposits
Decrease in Borrowings
Decrease in other liabilities
Net Cash generated from operations
Cash Flow from Investing Activities
Purchase of Fixed Assets
Sale of Fixed Assets
Increase or (decrease) in cash & cash equivalents
119
df Ho$ nma^ _| ZH$Xr d ZH$Xr g_H$aU

ZH$Xr Ama ^maVr` [aOd ~H$ Ho$ gmW eof
hmW _| ZH$Xr
~H$m| _| eof Ama _mJ Ed An gyMZm na /ku am{e ~H$m| _| eof
(H$) Mmby ImVm| _|
(I) A` O_m ImVm| _|
_mJ Ed An gyMZm na /ku am{e(~H$m| _|)
^maV Ho$ ~mha
i) Mmby ImVm| _|
ii) A` O_m ImVm| _|
iii) _mJ Ed An gyMZm na /ku am{e
df Ho$ var _| ZH$Xr d ZH$Xr g_H$aU
ZH$Xr Ama ^maVr` [aOd ~H$ Ho$ gmW eof
hmW _| ZH$Xr
~H$m| _| eof Ama _mJ Ed An gyMZm ij /ku am{e
~H$m| _| eof
(H$) Mmby ImVm| _|
(I) A` O_m ImVm| _|
_mJ Ed An gyMZm na am{e`m (~H$m| _|)
^maV Ho$ ~mha
i) Mmby ImVm| _|
ii) A` O_m ImVm| _|
iii) _mJ Ed An gyMZm na /ku jkfk
189 48 32
6243 46 14
68 56 74
141 07 12
3588 37 94
36 39 78
1 00 93
100 00 02
50 82 97
680 00 00
105 75 14
56 27 83
8 27 17
246 08 68
41 91 29
33 07 37
6772 82 29
4817 75 15
6683 81 87
6772 82 29
248 02 60
5963 54 91
189 48 32
6243 46 14
57 18 48
101 82 34
50 00 00
143 46 47
110 44 28
9 32 79
68 56 74
1 00 93
100 00 02
105 75 14
56 27 83
8 27 17
6683 81 87
6772 82 29
E_ Eg gwXa amOZ
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
DIRECTORS:
Hw$ekj lat; H$U, gr Ama JmonmbgwXa_, AemoH$ Jwm, Q>r Q>r ZQ>amOZ, S>m Or gwYmH$a amd, lr_Vr gm[a`m ImZ, izks- ujsUnz dqekj vxzoky
AUDITORS:
gZXr boImH$ma
gZXr boImH$ma

gZXr boImH$ma
vkj- lqczef.k;u
vkj- ih- vxjoky
th- ,l- jkepUnz jko
gmPoXma
gmPoXma
gmPoXma
(M.No. 008460)
(M.No. 051979)
(M.No. 004865)
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
ih ,y feRry
,l lqjsUnz jkeu
,l- LokehukFku
gmPoXma
gmPoXma
gmPoXma
(M.No. 014278)
(M.No. 022137)
(M.No. 023998)
WmZ MoZ
VmarI 27.04.2009
120
Cash & cash equivalents at the beginning of the year

Cash and balances with RBI
Cash in hand
Balances with RBI in current account
Balances with Banks and Money at call and short notice
Balances with Banks
(a) in current accounts
(b) in other deposit accounts
Money at call and short notice (with Banks)
Outside India
I) in Current Accounts
ii) in other deposit accounts
iii) Money at call and short notice
Cash equivalents at the end of the year
Cash at the end of the year
Cash and balances with RBI
Cash in hand
Balances with RBI in current account
Balances with Banks and Money at call
and short notice
Balances with Banks
(a) in current accounts
Money at call and short notice (with Banks)
Outside India
I) in Current Accounts
ii) in other deposit accounts
iii) Money at call and short notice
189 48 32
6243 46 14
141 07 12
3588 37 94
68 56 74
1 00 93
100 00 02
36 39 78
50 82 97
680 00 00
105 75 14
56 27 83
8 27 17
246 08 68
41 91 29
33 07 37
6772 82 29
4817 75 15
6683 81 87
6772 82 29
248 02 60
5963 54 91
189 48 32
6243 46 14
57 18 48
101 82 34
50 00 00
68 56 74
1 00 93
100 00 02
143 46 47
110 44 28
9 32 79
105 75 14
56 27 83
8 27 17
6683 81 87
M S SUNDARA RAJAN
A SUBRAMANIAN
Executive Director
A S BHATTACHARYA
Executive Director
6772 82 29
V. GANESAN
General Manager
DIRECTORS:
AUDITORS:
R SUBRAMANIAN
Partner
(M.No. 008460)

R P AGARWAL
Partner
(M.No. 051979)
For GRANDHY & CO.,

G S RAMACHANDRA RAO
Partner
(M.No. 004865)
For P L MITTAL & CO

P L MITTAL
Partner
(M.No. 014278)

S SUNDARA RAMAN
Partner
(M.No. 022137)

S SWAMINATHAN
Partner
(M.No. 023998)
Place Chennai
Date : 27.04.2009
121
AZwgyMr 18 - _w` boImH$aU Zr{V`m

1
boImH$aU H$s nanam

{dVr` {ddaU Eo{Vhm{gH$ bmJV nWm na {ZaVa H$mamo~madmbo gWmZ H$s
gH$nZm H$m nmbZ H$aVo hE V`ma {H$E OmVo h VWm ò ^maVr` emImAm| Ho$
g~Y _| ^maV _| nM{bV gm{d{YH$ nmdYmZm| Ed n{V`m| Ho$ g_Zw$n h VWm
{dXoem| _| pWV emImAm| Ho$ g~Y _| A`Wm Z ~Vmò OmZo na Cg Xoe _|
nM{bV gm{d{YH$ nmdYmZm| Ed n{V`m| Ho$ g_Zw$n h&
boZXoZ {OZ_| {dXoer {d{Z_` em{_b h

g_mH${bV {dXoer n[aMmbZ 1 Ama Ja-g_mH${bV {dXoer n[aMmbZm| Ho$
{dXoer _wXm boZXoZm| H$m boImH$aU, ^maVr` gZXr boImH$ma gWmZ (AmB gr
E AmB) mam Omar {H$E JE boImH$aU _mZH$ - 11 (EEg-11) Ho$ AZwgma
{H$`m J`m h&
2.1
g_mH${bV {dXoer n[aMmbZm| Ho$ g~Y _| n[adVZ
1.
{dXoer _wXm boZXoZ H$aZodmbr ^maVr` emImAm| H$mo g_mH${bV

{dXoer n[aMmbZ _| dJuH$V {H$`m J`m h VWm BZ emImAm| _|
{dXoer {d{Z_` boZXoZm| H$mo ^maVr` {dXoer {d{Z_` `mnmar gK
(\o$S>m`) mam A{Ygy{MV gmm{hH$ AmgV Xa (S>`yEAma) na XO
{H$`m J`m h&
2.
{dXoer _wXm AmpV Ed Xo`VmAm| H$mo df H$s g_m{ na \o$S>m` mam

A{Ygy{MV Xam| na n[ad{VV {H$`m J`m h&
3.
{dXoer _wXm _| _y`m{H$V drH${V`m|, n>mH$Zm| Ed A` dMZ~VmAm|

Ama Jma{Q>`m| H$mo \o$S>m` mam df H$s g_m{ na A{Ygy{MV g_mnZ
Xam| na n[ad{VV {H $`m J`m h&
4.
{dVr` df H$s g_m{ na {dXoer _wXm AmpV`m| Ed Xo`VmAm| Ho$

{ZnQ>mZ Ed n[adVZ go hmoZodmbo {d{Z_` AVam| H$mo, CZHo$ K{Q>V hmoZo
H$s Ad{Y Ho$ XmamZ Am` `m `` _mZm OmEJm&
5.
~H$m`m dm`Xm {d{Z_` g{dXmAm| H$mo g{dXm_H$ Xam| na nH$Q> {H$`m

OmVm h Ama \o$S>m` H$s g_mnZ Xam| na nwZ_y`Z {H$`m OmVm h Ama
n[aUm_r n^md H$mo bm^ d hm{Z boIo Ho$ O[aE nhMmZm OmVm h&
2.2
Ja g_mH${bV {dXoer n[aMmbZm| Ho$ g~Y _| n[adVZ

{dXoer emImAm| H$mo Ja-g_mH${bV {dXoer n[aMmbZ Ho$ $n _|
dJuH$V {H$`m OmVm h Ama {dVr` {ddaUm| H$mo {ZZmZwgma n[ad{VV
{H$`m OmVm h
1.
AmH$p_H$ Xo`VmAm| H$mo em{_b H$aVo hE, AmpV Ed Xo`VmAm| H$mo

df H$s g_m{ na \o$S>m` mam A{Ygy{MV Xam| na n[ad{VV {H$`m
OmVm h&
2.
Am` Ed `` H$mo \o$S>m` mam g~{YV {V_mhr H$s g_m{ na

A{Ygy{MV {V_mhr AmgV g_mnZ Xa na n[ad{VV {H$`m OmVm h&
3.
{Zdb {Zdoem| Ho$ {ZnQ>mZ VH$, g^r n[aUm_r {d{Z_` AVam| H$mo
{d{Z_` CVma-MT>md {Z{Y Zm_H$ nWH$ ImVo _| g{MV H$a aIm
OmVm h&
122
{Zdoe
3.1
~H$ Ho$ {Zdoe g{d^mJ H$mo ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$
AZwgma {ZZ{b{IV VrZ ndJm| _| dJuH$V {H$`m J`m h
n[anDoVm Ho$ {bE aIo JE (EM.Q>r.E_.)
{~H$s hoVw CnbY (E.E\$.Eg)
`mnma Ho$ {bE aIo JE (EM.E\$.Q>r)
n[an$Vm VH$ amoH$ aIZo Ho$ Ame` Ho$ gmW nm H$s JB n{V^y{V`m| H$mo
EMQ>rE_ ndJ Ho$ AVJV dJuH$V {H$`m J`m h& An Ad{Y Ho$ _y` /
`mO Xa _| CVma-MT>md go bm^ CR>mH$a `mnma H$aZo Ho$ Ame` Ho$ gmW nm
H$s JB n{V^y{V`m| H$mo EME\$Q>r ndJ _| dJuH$V {H$`m J`m h& A` g^r
n{V^y{V`m Omo Cn`wV XmoZm| ndJm| _| Zht AmVr h, Ch|, EE\$Eg ndJ _|
dJuH$V {H$`m J`m h& EM Q>r E_ ndJ _| aIr J`r n{V^y{V`m| H$s {~H$s na
nm bm^ H$mo nhbo bm^ d hm{Z boIo _| {b`m OmVm h Ama ~mX _| Cgo nyOr
nma{jVr boIo _o| {d{Z`mo{OV {H$`m OmVm h&
3.2
^maV _| {Zdoe H$m _y`mH$Z ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$
g_Zw$n {ZZmZwgma {H$`m OmVm h
(H$) EMQ>rE_ ndJ _| n{V^y{V H$m _y`mH$Z AOZ H$s bmJV na {H$`m
OmVm h {gdm` CZ _m_bm| _| Ohm A{H$V _y` go AOZ bmJV
A{YH$ hmoVr hmo, dogo _m_bo _|, A{H$V _y` na AOZ bmJV H$s
Eogr A{YH$Vm H$mo n[anDoVm H$s ~H$m`m Ad{Y _| n[aemo{YV {H$`m
OmVm h& AZwf{J`m| / g`wV C_m| _| {Oh| EMQ>rE_ ndJ _| em{_b
{H$`m J`m h, {Zdoem| Ho$ _y` _|, AWmB nH${V Ho$ Abmdm {H$gr
A` hmg H$s nhMmZ H$s JB h Ama nmdYmZ {H$`m J`m h& Eogo hmg
H$m {ZYmaU Ama BgHo$ {bE nmdYmZ nòH$ {Zdoe hoVw AbJ go {H$`m
OmVm h&
(I) EE\$Eg ndJ _| {Zdoem| H$m _y`mH$Z, ~mOma _y` na, {V_mhr
AVamb na pH$ndma VWm dJuH$aUdma {H$`m OmVm h& `{X H$moB
{Zdb _y`hmg hmo, Vmo Cgo bm^-hm{Z boIo _| em{_b {H$`m OmVm h,
O~{H$ {H$gr {Zdb _y`d{ hmoZo na CgH$s Cnojm H$a Xr OmVr h&
Bg ndJ _| ~mOma H$mo A{H$V H$aZo Ho$ ~mX d`pVH$ n{V^y{V`m| Ho$
~hr _y` _| H$moB n[adVZ Zht {H$`m OmVm h&
(J) EME\$Q>r ndJ _| aIr JB d`pVH$ n{V^y{V`m| H$mo _m{gH$
AVamb na ~mOma H$mo A{H$V {H$`m OmVm h& {Zdb _y`hmg, `{X
H$moB hmo, Vmo bm^ d hm{Z boIo _| CgH$m nmdYmZ {H$`m OmVm h O~{H$
{Zdb _y`d{, `{X H$moB hmo, na `mZ Zht {X`m OmVm h& ~mOma
_| A{H$V H$a XoZo Ho$ ~mX d`pVH$ n{V^y{V`m, Omo Bg ndJ _| h, Ho$
~hr _y` _| H$moB n[adVZ Zht hmoVm h&
(K) EE\$Eg Ed EME\$Q>r ndJm} _| n{V^y{V`m| H$m _y`mH$Z
{ZZdV {H$`m J`m h
i)
H|$X gaH$ma H$s n{V^y{V`m| H$m _y`mH$Z nmB_ar S>rbg
Egmo{gEeZ Am\$ B{S>`m (nrS>rEAmB), {\$gS> BH$_ _Zr _mH}$Q>
ES> So>[ado{Q>O Egmo{gEeZ Am\$ B{S>`m (E\$ AmB E_ E_ S>r
SCHEDULE 18 - SIGNIFICANT ACCOUNTING POLICIES
1.
ACCOUNTING CONVENTION
The nancial statements are prepared by following the
going concern concept on historical cost convention
and conform to the statutory provisions and practices
prevailing in India in respect of Indian branches and in
respect of foreign branches as per statutory provisions
and practices prevailing in the respective countries,
unless otherwise stated.
2.
3.
INVESTMENTS
3.1
The securities acquired with the intention to

be held till maturity are classied under HTM
category. The
securities acquired with the
intention to trade by taking advantage of short
term price/interest movements are classied as
HFT. All other securities which do not fall under
any of the two categories are classied under
AFS category. While prot on sale of securities
under HTM category is rst taken to Prot and
Loss account and thereafter appropriated to
Capital Reserve account and loss if any charged
to Prot & Loss account.
TRANSACTIONS INVOLVING FOREIGN EXCHANGE

Foreign Currency transactions of integral foreign
operations and non-integral foreign operations are
accounted for as per Accounting Standard-11 (AS-11)
issued by the Institute of Chartered Accountants of
India (ICAI).
2.1
1.
2.
3.
4.
5.
2.2
1.
2.
3.
Translation in respect of integral foreign

operations
Indian branches having foreign currency
transactions have been classied as Integral
foreign operations and foreign exchange
transactions at these branches have been
recorded at the Weekly Average Rate ( WAR)
notied by Foreign Exchange Dealers Association
of India ( FEDAI).
Foreign currency assets and liabilities are
translated at the closing rates notied by FEDAI
at the year end.
Acceptances,
endorsements
and
other
obligations and guarantees in foreign currency
are carried at the closing rates notied by FEDAI
at the year end.
Exchange differences arising on settlement
and translation of foreign currency assets and
liabilities at the end of the nancial year are
recognized as income or expenses in the period
in which they arise.
Outstanding forward exchange contracts are
disclosed at the Contracted rates, and revalued
at FEDAI closing rates, and the resultant effect is
recognized through Prot and Loss account.
Translation in respect of non-integral foreign
operations.
Foreign branches are classied as non-integral
foreign operations and the nancial statements
are translated as follows:
Assets and liabilities including contingent
liabilities are translated at the closing rates
notied by FEDAI at the year end.
Income and expenses are translated at the
Quarterly Average Closing rate notied by FEDAI
at the end of the respective quarter.
All resulting exchange differences are accumulated
in a separate account Exchange Fluctuation Fund
till the disposal of the net investments.
The investment portfolio of the Bank is classied

in accordance with the RBI guidelines into three
categories viz.,

Held To Maturity (HTM)

Available For Sale (AFS)

Held For Trading (HFT)
3.2
Investments in India are valued in accordance

with RBI guidelines, as under:
a)
Securities in HTM category are valued at
acquisition cost except where the acquisition cost
is higher than the face value, in which case, such
excess of acquisition cost over the face value is
amortised over the remaining period of maturity.
Any diminution, other than temporary, in value of
investments in subsidiaries/joint ventures which
are included under HTM category is recognized
and provided. Such diminution is being
determined and provided for each investment
individually.
b)
Investments in AFS category are marked to

market, scrip-wise and classication wise, at
quarterly intervals. Net depreciation, if any, is
provided for in the Prot and Loss account while
net appreciation, if any, is ignored. The book value
of the individual securities does not undergo any
change after marking to market.
c)
The individual scrips in the HFT category are

marked to market at monthly intervals. Net
depreciation, if any, is provided for in the Prot
and Loss account while net appreciation, if any,
is ignored. The Book Value of the individual
securities in this category does not undergo any
change.
d)
Securities in AFS and HFT categories are valued

as under:
i)
Central Government Securities are valued at

market price on the basis of appropriate Yield To
Maturity (YTM) rates as announced by Primary
Dealers Association of India (PDAI), Fixed Income
123
E), Ed by_~J mam Kmo{fV g_w{MV n[an$Vm (dmBQ>rE_) Ho$ AmYma

na, ~mOma _y` na {H$`m OmVm h&
ii)
am` gaH$ma Ama A` AZw_mo{XV n{V^y{V`m| H$m _y`mH$Z
nrS>rEAmB/E\$AmBE_E_S>rE Ed by_~J mam {ZH$mbr JB
g_Vw` n[an$Vm H$s H$X gaH$ma H$s n{V^y{V`m| Ho$ n{V\$b go
25 ~o{gg dmBQ> ~T>mVo hE dmBQ>rE_ nXY{V H$m AZwn`moJ H$aVo
hE {H$`m OmVm h&
iii) H$moQ> hmoZo na B{$Q>r eoàm| H$m _y`mH$Z ~mOma _y` na {H$`m
OmVm h& H$moQ> Z hmoZodmbo B{$Q>r eoàm| H$mo CZHo$ ~oH$-An _y`
na (nyZ_y`Z [aOd, `{X hmo, na `mZ {XE {~Zm), H$nZr Ho$
ZdrZV_ VwbZn (_y`Z H$s VmarI go EH$ df go nhbo H$m Z
hmo), Ho$ AmYma na _y`m{H$V {H$`m OmVm h& A`Wm eoàm| H$m
_y`mH$Z n{V H$nZr EH$ n`m Ho$ AZwgma {H$`m OmVm h&
iv) H$moQ> hmoZo na A{Y_m` eoàm| H$m _y`mH$Z ~mOma _y` na {H$`m
OmVm h; A`Wm g_w{MV dmBQ>rE_ Xam| AWdm nwZ:emoYZ _y`
Ho$ AmYma na {ZYm[aV _y`, XmoZm| _| go Omo ^r H$_ hmo, na {H$`m
OmVm h&
v)
A{J_m| Ho$ $n _| aho {S>~|Mam| VWm ~mS>m| Ho$ Abmdm, g^r {S>~|Mam|
VWm ~mS>m| H$m _y`mH$Z dmBQ>rE_ AmYma na {H$`m OmVm h&
vi) amOH$mof {~bm|, O_m n_mU nm| VWm dm{Up`H$ H$mJOmVm| H$m
_y`mH$Z CZH$s aImd bmJV na {H$`m OmVm h&
vii) H$moQ> hmoZo na `yMwAb \$S>m| H$s `y{ZQ>m| H$m _y`mH$Z ~mOma _y`
na {H$`m OmVm h; A`Wm nwZ IarX _y` AWdm {Zdb AmpV
_y` (EZEdr) XmoZm| _| Omo ^r H$_ hmo, na {H$`m OmVm h& `{X
{Z{Y`m bmH$-BZ Ad{Y _| h, Ohm nwZIarX _y`/~mOma H$moQ>
CnbY Zht hmo Vmo, `y{ZQ>m| H$m _y`mH$Z EZEdr na AWdm bmH$BZ Ad{Y H$s g_m{ VH$ bmJV na {H$`m OmVm h&
124
3.3
{dXoer emImAm| mam {H$E JE {Zdoem| H$m _y`mH$Z g~{YV Xoem| _|

nM{bV n{V Ho$ AZwgma hmoVm h&
3.4
Eogo {S>~|Mam| VWm ~mS>m| H$m _y`mH$Z {OZ_| `mO/_ybYZ 90 {XZm|

go A{YH$ Ho$ {bE ~H$m`m hmo, ^maVr` [aOd ~H$ mam {ZYm[aV
{ddoH$nyU _mZXS>m| H$mo bmJy H$aVo hE {H$`m OmVm h&
3.5
n{V^y{V`m| H$s bmJV _| go Xbmbr/H$_reZ/AeXmZm| na nm

nmogmhZm| H$mo KQ>m {X`m OmVm h& n{V^y{V`m| Ho$ AOZ Ho$ g~Y _|
AXm H$s J`r Xbmbr/H$_reZ/Q>mn ewH$ H$mo amOd `` _mZm
OmVm h&
3.6
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZw$n, ~Mmd `dWm (hoqOJ)
Ho$ {bE `mO Xam| H$s AXbm-~Xbr Ho$ boZXoZm| H$s JUZm gM`Z
AmYma na H$s OmVr h Ama `mnma g~Yr boZXoZ nm{jH$ AVambm| na
~mOma H$mo A{H$V {H$E OmVo h& Hw$b AXbm-~X{b`m| Ho$ C{MV _y`
H$m AmH$bZ, VwbZ-n H$s VmarI na AXbm-~Xbr H$amam| Ho$ g_m
{H$E OmZo na nm/nm` `m nXV/nXo` am{e Ho$ AmYma na {H$`m
OmEJm& Bggo hmoZodmbr hm{Z`m| Ho$ {bE nyU nmdYmZ {H$`m J`m h,
O~{H$ bm^ `{X hmo, na `mZ Zht {X`m OmEJm& AXbm-~X{b`m|
H$s g_m{ na bm^ AWdm hm{Z`m| H$mo W{JV {H$`m OmVm h Ama
AXbm-~Xbr H$s ~mH$s, g{dXm_H$ Ad{Y AWdm {d{Z{X> AmpV
AWdm Xo`Vm H$s ~H$m`m Ad{Y XmoZm| _| Omo ^r H$_ hmo, {hgm~ _|
{b`m OmEJm&
4.
3.7
H|$X gaH$ma H$s JmaQ>r mam g_{WV {Zdoe hmbm{H$ A{VXo` h, H$mo
Ho$db V^r Ja {ZnmXH$ AmpV (EZnrE ) _mZm OmEJm O~ JmaQ>r H$m
AmhdmZ H$aZo na gaH$ma JmaQ>r H$mo AdrH$ma H$aVr h&
3.8
am` gaH$ma mam JmaQ>rH$V n{V^y{V`m| _| {Zdoe, Omo{H$ _m{ZV

A{J_m| H$s nH${V Ho$ Zht h, H$mo AmpV dJuH$aU Ama nmdYmZrH$aU
_mZXS>m| Ho$ AYrZ aIm OmVm h O~ `mO/_ybYZ H$s {H$V
(n[an$Vm gnm{`m| g{hV) AWdm ~H$ H$mo Xo` H$moB A` am{e H$m
90 go A{YH$ {XZm| VH$ ^wJVmZ Zht hmoVm h&
A{J_
4.1
i)
ii)
iii)
4.2
S>r 2 ndJ H$s AmpV`m| hoVw nmdYmZ, n{V^y{V H$s CnbYVm H$mo
`mZ {XE {~Zm {H$`m 100 n{VeV aIo OmVo h&
4.3
Ad_mZH$ ndJ H$s AmpV`m| hoVw nmdYmZ, ~H$m`m am{e na EH$

g_mZ$n go 20 n{VeV aIo OmVo h&
4.4
{dXoer emImAm| Ho$ g~Y _| Am`-{ZYmaU, AmpV dJuH$aU VWm

F$U hm{Z`m| Ho$ {bE nmdYmZ WmZr` Amd`H$VmAm| AWdm ^maVr`
[aOd ~H$ Ho$ {ddoH$nyU _mZXS>m|, Omo ^r A{YH$ gV h, Ho$ AZwgma
{H$E OmVo h&
4.5
^maVr` [aOd ~H$ mam Omar {ddoH$nyU _mZXS>m| Ho$ AZw$n

^maV _| A{J_m| H$mo CYmaH$Vm-dma _mZH$, Ad_mZH$, g{XY VWm
hm{Z dmbr AmpV`m| Ho$ $n _| dJuH$V {H$`m OmVm h,
F$U hm{Z`m| Ho$ {bE nmdYmZ {H$E OmVo h Ama
_mZH$ A{J_m| Ho$ {bE gm_m` nmdYmZ {H$ò OmVo h&
nH$Q> {H$ò JE A{J_, J a -{Znm{XV AmpV`m|, S>rAmBgrOrgr/

BgrOrgr/grOrQ>rEgAmB go nm VWm g_m`moOZ hoVw b{~V aIo JE
Xmdm|, {d{dY ImVo _| nm Ama aIr JB MwH$m{V`m|, `mO dgybr `mo`
ImVo _| eof, gh^m{JVm n_mU-nm| Ed nwZ ^wZmò Jò {_`mXr {~bm|
Ho$ {bE {H$E JE nmdYmZm| Ho$ ~mX h&
AMb AmpV`m/_y`hmg
5.1 n[aga VWm A` AMb AmpV`m| H$m {hgm~ CZH$s nanamJV bmJV/
nwZ_y`m{H$V am{e Ho$ AmYma na bJm`m J`m h&
5.2 ^maV _| ^dZ ( Ohm H$ht AbJ Zht H$s Om gH$Vr h/AbJ Zht H$s
JB h, O_rZ H$s bmJV g{hV ) VWm A` AMb AmpV`m| (H$`yQ>a
em{_b Zht) na _y`hmg H$m nmdYmZ H$nZr A{Y{Z`_ 1956 H$s
AZwgyMr XIV _| {Z{X> Xam| Ho$ AZwgma Ama nwZ_y`m{H$V AmpV`m|
Ho$ _m_bo _| ~H$ mam {ZYm[aV Xam| na grYr H$Q>mVr nUmbr go {H$`m
J`m h&
5.3 ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma H$`yQ>am| Ed ~mYm a{hV
{~Obr Amny{V nUm{b`m| (`ynrEg) na _y`hmg H$s JUZm grYr
aoIm n{V (EgEbE_) na 33.33 n{VeV n{Vdf H$s Xa na H$s
OmVr h&
5.4 30 {gV~a H$mo `m CgHo$ nyd A{OV AMb AmpV`m| na _y`hmg
VWm CgHo$ ~mX A{OV AmpV`m| na _y`hmg {Z{X> Xam| Ho$ 100
n{VeV na VWm CgHo$ ~mX A{OV AmpV`m| na 50 n{VeV na
n^m[aV {H$`m OmVm h&
5.5 nQ>Qo> H$s O_rZ na nr{_`_ A{YJhU df _| nyOrH$V {H$`m OmVm h
Ama nQ>Q>m-Ad{Y _| n[aemo{YV {H$`m OmVm h&
3.7. Investments backed by guarantee of the Central

Government though overdue are treated as Non
Performing Asset (NPA) only when the Government
repudiates its guarantee when invoked.
Money Market and Derivatives Association of India

(FIMMDA) and Bloomberg.
ii)
iii)
State Government and Other approved securities

are valued applying the YTM method by marking
up 25 basis points above the yields of the Central
Government Securities of equivalent maturity
put out by PDAI, FIMMDA, and Bloomberg.
Equity shares are valued at market price, if
quoted. Unquoted equity shares are valued at
break-up value (without considering revaluation
reserves if any) as per the companys latest
balance sheet (not more than one year prior to
the date of valuation). Otherwise, the shares are
valued at Re. 1 per company.
3.8. Investment in State Government guaranteed

securities, which are not in the nature of deemed
advances, are subjected to asset classication
and provisioning norms if interest/ installment
of principal (including maturity proceeds) or any
other amount due to the Bank remains unpaid for
more than 90 days.
4
ADVANCES
4.1
In accordance with the prudential norms issued

by RBI:
(i) advances in India are classied into standard,
sub-standard, doubtful and loss assets
borrower-wise,
(ii) provisions are made for loan losses, and
(iii) general provision is made for standard
advances.
iv)
Preference shares are valued at market price,

if quoted; otherwise at lower of the value
determined based on the appropriate YTM rates
or redemption value.
v)
All debentures/bonds, other than those which

are in the nature of advances, are valued on the
YTM basis.
4.2
vi)
Treasury bills, Certicate of deposits and

Commercial papers are valued at carrying cost.
Provisions for D2 category of Assets are made at

100%, irrespective of availability of security.
4.3
Provisions for Substandard category of Assets

are made at 20% uniformly, on the balance
outstanding.
4.4
In respect of foreign branches, income recognition,

asset classication and provisioning for loan losses
are made as per local requirement or as per RBI
prudential norms, whichever is more stringent.
4.5
Advances disclosed are net of provisions made

for non-performing assets, DICGC/ ECGC/ CGTSI
claims received and held pending adjustment,
repayments received and kept in sundries account,
balance in interest realizable account, participation
certicates and usance bills rediscounted.
vii)
3.3
Units of Mutual Funds are valued at market price,

if quoted; otherwise at lower of repurchase price
or Net Asset Value (NAV). In case of funds with a
lock-in period, where repurchase price / market
quote is not available, units are valued at NAV,
else valued at cost till the end of the lock-in
period.
Investments by Foreign Branches are valued
as per the practice prevailing in the respective
countries.
3.4. Debentures and Bonds, where interest/ principal

is in arrears for more than 90 days are valued
applying the prudential norms prescribed by
RBI.
3.5. Brokerages / Commission / incentive received
on subscriptions are deducted from the cost of
securities. Brokerage / Commission / Stamp duty
paid in connection with acquisition of securities
are treated as revenue expenses.
3.6. Interest Rate Swap transactions for hedging are
accounted on accrual basis and transactions
for trading are marked to market at fortnightly
intervals, in line with the RBI guidelines. The
fair value of the total swaps is computed on the
basis of the amount that would be received/
receivable or paid/ payable on termination of
the swap agreements as on the balance sheet
date. Losses arising therefrom, if any, are fully
provided for, while the prot, if any, is ignored.
Gains or loss on termination of swaps is deferred
and recognised over the shorter period of the
remaining contractual life of the swap or the
remaining life of the designated asset or liability.
5.
FIXED ASSETS / DEPRECIATION

5.1 Premises and other xed assets are stated at
historical cost/ revalued amount.
5.2
Depreciation on buildings (including cost of land

wherever inseparable/ not segregated) and other
xed assets (excluding computers) in India is
provided for on the straight-line method at rates
specied in Schedule XIV to the Companies Act,
1956 and at the Bank determined rates based on
Residual Life in the case of Revalued Assets.
5.3
Depreciation on computers and Uninterrupted

Power Supply Systems (UPS) is provided at
the rate of 33.33% per annum on Straight Line
Method (SLM).
5.4
Depreciation on xed assets acquired on or

before 30th September is charged at 100% of the
prescribed rates and at 50% of the prescribed
rates on the xed assets acquired thereafter.
5.5
Premium on leasehold land is capitalised in the

year of acquisition and amortized over the period
of lease.
125
5.6
6.
{dXoer emImAm| H$s AMb AmpV`m| Ho$ g~Y _| _y`hmg H$m

nmdYmZ g~{YV Xoem| _| nM{bV n{V Ho$ AZwgma {H$`m J`m h&
5.7 Ja-~qH$J AmpV`m| (EZnrE) Ho$ g~Y _| H$moB _y`hmg n^m[aV Zht
{H$`m OmVm h&
ii)
{dXoer emImAm| Ho$ g~Y _| dhm Ho$ WmZr` H$mZyZm| Ho$ AZwgma {H$`m
OmVm h&
8.2
Q>m\$ gX`m| Ho$ {bE Nw>Q>Q>r H$s ^wZmB H$m bm^, ~r_mH$H$ AmYma na
{hgm~ _| {b`m J`m h&
amOd nhMmZ
8.3
H$_Mmar bm^ go g~{YV Q>m{geZb Xo`Vm H$m {ZYmaU ~r_mH$H$

_y`mH$Z Ho$ AmYma na {H$`m OmVm h d AmBgrEAmB mam Omar
gemo{YV boImH$aU _mZH$ 15 (EEg 15), H$_Mmar bm^m| Ho$
g~Y _| nmM dfm} H$s Ad{Y _| ~Q>Qo> ImVo _| S>mbm OmVm h&
6.1
Am` Ama `` H$mo, O~ VH$ A`Wm Zht H$hm OmE, gm_m`V gM`r
AmYma na {hgm~ _| {b`m OmVm h&
6.2 Ja-{ZnmXH$ AmpV`m|, gaH$ma mam JmaQ>rH$V AmpV`m| (Ohm `mO
{Z`{_V $n go dgyb Zht {H$`m OmVm h), bm^me Am`, ~r_m Xmdo,
Omar {H$ò Jò gmI-nm|/Jma{Q>`m| na H$_reZ (n[a`moOZm {dV go
BVa) IarXo JE {~bm| na A{V[aV `mO/A{VXo` n^ma, bmH$a
{H$am`m, {dVr` n^ma Am{X H$mo CZH$s dgybr hmoZo na {hgm~ _| {b`m
J`m h&
6.3 A{VXo` {dXoer {~bm| Ho$ _m_bo _|, `mO Ama A` n^mam| H$mo
^maVr` {dXoer _wXm `mnmar gK (\o$S>m`) Ho$ {Xem{ZX}em| Ho$ AZwgma
{H$Q>bmBOoeZ H$s VmarI VH$ _mZm J`m h&
7.
{Zdb bm^/hm{Z
bm^ d hm{Z boI| _| Xem`m J`m n[aUm_ {ZZ{b{IV na {dMma H$aZo Ho$
nMmV h
- Ja {ZnmXZ A{J_m| Ama/AWdm {Zdoem| Ho$ {bE nmdYmZ
- _mZH$ A{J_m| na gm_m` nmdYmZ
- AMb AmpV`m| na _y`hmg Ho$ {bE nmdYmZ
- {Zdoem| na _y`hmg Ho$ {bE nmdYmZ
- AmH$p_H$Vm {Z{Y H$mo/go AVaU
- gm{d{YH$ Amd`H$VmAm| Ho$ AZw$n n`j H$am| Ho$ {bE nmdYmZ
- gm_m` AWdm/Ama A` Amd`H$ nmdYmZ
9.
AmH$p_H$ Xo`VmE Ama nmdYmZ

{nN>br KQ>ZmE, {OZgo g^m{dV `m dV_mZ ~m`VmE AmVr h H$mo, AmH$p_
H$ Xo`Vm Ho$ $n _| {b`m OmVm h& _mOyXm ~m`VmAm| Ho$ _m_bo _|, Ohm
{ddgZr` AmH$bZ {H$`m Om gH$Vm h VWm Ohm na ~m`VmAm| Ho$ {ZnQ>mZ
Ho$ {bE Am{WH$ bm^m| H$mo _yV $n XoZodmbo g^m{dV ggmYZm| H$m ~{hJ_Z
hmo, nmdYmZ H$mo nhMmZm OmVm h&
10.
AmpV`m| _| hm{Z
AmpV`m| _| hm{Z `{X hmo H$s nhMmZ, Bg g~Y _| BpQ>Q>`yQ> Am\$ MmQ>S>
AH$mCQ|>Q>g Am\$ B{S>`m H$s AmBgrEAmB mam Omar {H$E JE boImH$aU
_mZH$ 28 Ho$ g_Zw$n H$s OmVr h&
11.
Am` na H$a
Q>m\$ H$mo godm{ZdpV na nm hmZodmbo bm^

8.1
n|eZ {Z{Y d Jo`w{Q> {Z{Y _| dm{fH$ AeXmZm| H$m {ZYmaU Ed

nmdYmZ {H$`m OmVm h
i)
~r_mH$H$ _y`mH$Z Ho$ AmYma na ^maV _| H$_e AZw_mo{XV n|eZ

{Z{Y Ama Jo`w{Q> Ho$ AmYma na {H$`m OmVm h, Ama
11.1
dV_mZ H$a (`yZV_ dH$pnH$ H$a-E_EQ>r g{hV) Ed AmW{JV H$a

XmoZm| Ho$ {bE H$a hoVw nmdYmZ {H$`m OmVm h&
11.2
dV_mZ H$a H$m _mnZ, H$a nm{YH$m[a`m| H$mo AXm H$s OmZodmbr
n`m{eV am{e Ho$ AZwgma bmJy H$a Xam|, H$a H$mZyZm| Ed AZwHy$b
`m{`H$ \$gbm|/{d{YH$ am` H$m n`moJ H$aVo hE {H$`m OmVm h&
11.3
g_` _| AVa Ho$ H$maU CnZ hmoZodmbr AmW{JV H$a AmpV`m Ed

Xo`VmE Ama Omo{H$ AmZodmbr Ad{Y`m| _| [adgb H$s j_Vm aIVr
hm|, H$so nhMmZ, VwbZ-n H$s {V{W VH$ V`ma AWdm ~mX _| V`ma
H$a Xam| Ed H$a {Z`_m| H$m n`moJ H$aVo hE H$s OmVr h& AmW{JV
H$a AmpV`m| H$s nhMmZ V~ VH$ Zht H$s OmVr O~ VH$ dMwAb
{ZpMVVm Zht hmo OmVr {H$ n`m ^{d` H$a `mo` Am` CnbY
hmoJr {Oggo Eogr AmW{JV H$a AmpV`m CJmhr OmEJr&
E_ Eg gwXa amOZ
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
DIRECTORS:
Hw$ekj lat; H$U, gr Ama JmonmbgwXa_, AemoH$ Jwm, Q>r Q>r ZQ>amOZ, S>m Or gwYmH$a amd, lr_Vr gm[a`m ImZ, izks- ujsUnz dqekj vxzoky
AUDITORS:
gZXr boImH$ma
gZXr boImH$ma
d`rs xz/kh ,aM daiuh

gZXr boImH$ma
vkj- lqczef.k;u
vkj- ih- vxjoky
th- ,l- jkepUnz jko
gmPoXma
gmPoXma
gmPoXma
(M.No. 008460)
(M.No. 051979)
(M.No. 004865)
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
ih ,y feRry
,l lqjsUnz jkeu
,l- LokehukFku
gmPoXma
gmPoXma
gmPoXma
(M.No. 014278)
(M.No. 022137)
(M.No. 023998)
WmZ MoZ
VmarI 27.04.2009
126
6.
5.6
Depreciation in respect of xed assets at foreign

branches is provided as per the practice prevailing
in the respective countries.
5.7
In respect of Non Banking Assets, no depreciation

is charged.
8.
as per the local laws in respect of foreign

branches.
8.2
Leave encashment benet for employees is

accounted for on actuarial basis.
8.3
Transitional liability relating to employee benets

determined as per actuarial valuation is written
off over a period of ve years in terms of Revised
Accounting Standard 15 (AS -15), Employee
Benets, issued by ICAI.
REVENUE RECOGNITION
6.1
Income and expenditure are generally accounted

for on accrual basis, unless otherwise stated.
6.2
Income from non-performing assets, Government

guaranteed assets (where interest is not serviced
regularly), dividend income, insurance claims,
commission on letters of credit/ guarantees issued
(other than those relating to project nance),
additional interest/ overdue charges on bills
purchased, locker rent, nance charges on credit
cards etc. are accounted for on realisation.
9.
In case of overdue foreign bills, interest and

other charges are recognised till the date of
crystallisation as per FEDAI guidelines.
10.
6.3
7.
(ii)
NET PROFIT / LOSS

The result disclosed in the Prot and Loss Account is
after considering:
Provision for Non-Performing Advances and/ or
Investments.
General provision on Standard Advances
Provision for Depreciation on Fixed Assets
Provision for Depreciation on Investments
Transfer to/ from Contingency Fund
Provision for direct taxes in accordance with
statutory requirements
Usual or/and other necessary provisions
Past events leading to, possible or present obligations

are treated as contingent liability. Provision is
recognised in case of present obligations where a
reliable estimate can be made and/or where there are
probable outow of resources embodying forgoing of
economic benets to settle the obligations.
Annual contributions to Pension Fund and

Gratuity Fund are determined and provided for:
(i)
on the basis of actuarial valuation and contribution

to approved Pension Fund and Gratuity Fund
respectively in India, and
M S SUNDARA RAJAN
IMPAIRMENT OF ASSETS
Impairment losses, if any, are recognised in accordance
with the Accounting Standard 28 issued in this regard
by the Institute of Chartered Accountants of India
(ICAI).
11.
STAFF RETIREMENT BENEFITS

8.1
CONTINGENT LIABILITIES AND PROVISIONS
TAXES ON INCOME
11.1 Provision for tax is made for both Current Tax
(including Minimum Alternate Tax MAT) and
Deferred Tax.
11.2 Current tax is measured at the amount expected
to be paid to the taxation authorities, using the
applicable tax rates, tax laws and favourable
judicial pronouncements / legal opinion.
11.3 Deferred Tax Assets and Liabilities arising on
account of timing differences and which are
capable of reversal in subsequent periods are
recognised using the tax rates and tax laws that
have been enacted or substantively enacted
till the date of the Balance Sheet. Deferred Tax
Assets are not recognised unless there is virtual
certainty that sufcient future taxable income
will be available against which such deferred tax
assets will be realised.
A SUBRAMANIAN
Executive Director
A S BHATTACHARYA
Executive Director
V. GANESAN
General Manager
DIRECTORS:
AUDITORS:
R SUBRAMANIAN
Partner
(M.No. 008460)

R P AGARWAL
Partner
(M.No. 051979)
For GRANDHY & CO.,

G S RAMACHANDRA RAO
Partner
(M.No. 004865)
For P L MITTAL & CO

P L MITTAL
Partner
(M.No. 014278)

S SUNDARA RAMAN
Partner
(M.No. 022137)

S SWAMINATHAN
Partner
(M.No. 023998)
Place Chennai
Date : 27.04.2009
127
boIm narjH$m| H$s [anmoQ>

godm _|,
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1.
2.
3.
h_Zo B{S>`Z ~H$ Ho$ 31 _mM 2009 VH$ Ho$ gb VwbZ-n Ed CgHo$ gmW
AZw~ Cgr VmarI H$mo g_m hE df Ho$ bm^ hm{Z boIo VWm ZH$Xr ndmh
{ddaU H$s boIm narjm H$s h, {Og_| (i) h_mao mam boIm nar{jV 20
emImAm| Ama 28 _S>b H$m`mb`m| H$s {dda{U`m (ii) emIm boIm narjH$m|
mam boIm nar{jV 1405 emImAm| H$s {dda{U`m Ama (iii) WmZr` boIm
narjH$m| mam boIm nar{jV 2 {dXoer emImAm| H$s {dda{U`m em{_b h&
h_mao mam Ama A` boImnarjH$m| mam boImnar{jV emImAm| H$m M`Z ~H$
Zo ^maVr` [aOd ~H$ mam ~H$m| Ho$ {bE Omar {Xem{ZX}em| Ho$ AZwgma {H$`m
h& VwbZ-n Ama bm^ d hm{Z boIo _| 217 Eogr emImAm| Ed 24 A`
H$m`mb`m| H$s {dda{U`m ^r em{_b h, Omo{H$ boImnarjm Ho$ A`YrZ Zht Wo&
BZ AboImnar{jV emImAm| _| A{J_m| H$m 0.54% O_mAm| H$m 2.27%,
`mO Am` H$m 0.35% Ama `mO `` H$m 2.00% {hgm em{_b h& ò
{dVr` {ddaU, ~H$ n~YZ H$m CVaXm{`d h& h_mam CVaXm{`d AnZr
boImnarjm Ho$ AmYma na BZ {dVr` {dda{U`m| na AnZm {dMma `V H$aZm
h&
h_Zo AnZr boImnarjm ^maV _| gm_m`V drH$V boImnarjm _mZH$m| Ho$
AZwgma H$s h& CZ _mZH$m| hoVw `h Ano{jV h {H$ h_ AnZr boImnarjm H$s
`moOZm Bg nH$ma ~ZmE Ama {Znm{XV H$a| {H$ h_ g_w{MV $n go Bg ~mao
_| AmdV hmo OmE {H$ {dVr` {ddaUm| _| {df`dVw g~Yr H$moB JbV
OmZH$mar Zht Xr JB h& boImnarjm Ho$ AVJV {dVr` {ddaUm| _| {XIm`r
J`r am{e`m| Ama nH$Q>rH$aU Ho$ g_WZ _| {XE JE gm` H$m narjU Ho$ Vma
na OmM em{_b h& boImnarjm Ho$ AVJV n~YZ mam n`wV boImH$aU
{gmVm| VWm n_wI AmH$bZm| H$m {ZYmaU VWm nVwV {H$ò JE g_J {dVr`
{ddaU H$m _y`mH$Z ^r em{_b h& h_| {ddmg h {H$ h_mar boImnarjm h_mao
A{^_V Ho$ {bE C{MV AmYma h&
4.
boImnarjm H$s gr_mAm| Ho$ A`YrZ Ama ~H$H$mar H$nZr (CnH$_m| H$m AOZ
Ama AVaU) A{Y{Z`_ 1970 H$s AnojmZwgma Ama Cg_| Ano{jV Cn`wV
nam 1 _| C{{IV nH$Q>rH$aU H$s gr_mAm| Ho$ A`YrZ h_ [anmoQ> H$aVo h
{H$
(H$) h_Zo g^r OmZH$mar d n>rH$aU nm {H$E h, Omo{H$ h_mar lo>V_
OmZH$mar d {ddmg _| h_mar boImnarjm Ho$ n`moOZmW Amd`H$ Wo
Ama h_Zo Ch| gVmofOZH$ nm`m&
(I) ~H$ Ho$ boZXoZ Omo{H$ h_mar gyMZm _| AmE h, ~H$ Ho$ A{YH$mam| Ho$
^rVa hr h&
(J) H$m`mb`m| Ed emImAm| VWm ~H$ Ho$ H$m`mb`m| go nm {ddaU h_mar
boImnarjm Ho$ n`moOZmW n`m nmE JE h&
5.
h_mar am` _| VwbZ-n, bm^ d hm{Z boIm VWm ZH$Xr ndmh {ddaU n`mo`
boImH$aU _mZH$m| H$m AZwnmbZ H$aVo h&
6.
h_mar am` _|, ~H$ H$s ~{h`m| _| {XE JE AZwgma Ama h_mar lo>V_ OmZH$mar
VWm h_| {XE JE n>rH$aUom Ho$ AZwgma
i.
^maV _|, drH$m` gm_m`V boImH$aU Zr{V`m| Ho$ AZwnmbZ _|,

{Q>n{U`m| Ho$ gmW n{R>V VwbZ - n, Amd`H$ OmZH$mar g{hV, nyU
Ama ghr VwbZ-n h, VWm Cgo Bg nH$ma C{MV $n go V`ma {H$`m
J`m h {H$ Cggo 31 _mM 2009 H$mo ~H$ H$o H$m_H$mO H$m ghr Ama
dmV{dH$ {M nX{eV hmoVm h&
ii.
_hdnyU boImH$aU Zr{V`m| Ama boIm| na {XE JE ZmoQ> Ho$ gmW n{R>V
bm^ Ed hm{Z boIm, H$da {H$E JE df Ho$ {bE ^maV _| gm_m`V
drH$m` boImH$aU Zr{V`m| Ho$ AZwnmbZ _| boIo mam bm^ H$m ghr eof
XemVm h Ama
iii.
ZH$Xr ndmh {ddaU Cg VmarI H$mo g_m df Ho$ {bE ZH$Xr ndmhm| H$m
g` Ama C{MV {ddaU XemVm h,
VwbZ-n Ama bm^ Ed hm{Z boIm, ~H$H$mar {d{Z`_Z A{Y{Z`_, 1949

H$s VVr` AZwgyMr Ho$ H$_e \$m_ E VWm ~r _| V`ma {H$E JE h&
gZXr boImH$ma
gZXr boImH$ma

gZXr boImH$ma
vkj- lqczef.k;u
vkj- ih- vxjoky
th- ,l- jkepUnz jko
gmPoXma
gmPoXma
gmPoXma
(M.No. 008460)
(M.No. 051979)
(M.No. 004865)
gZXr boImH$ma
gZXr boImH$ma
gZXr boImH$ma
ih ,y feRry
,l lqjsUnz jkeu
,l- LokehukFku
gmPoXma
gmPoXma
gmPoXma
(M.No. 014278)
(M.No. 022137)
(M.No. 023998)
WmZ MoZ
VmarI 27.04.2009
128
AUDITORS REPORT
To
The President of India
1.
2.
We have audited the attached Balance Sheet of INDIAN

BANK as at 31st March 2009, the Prot and Loss Account
and Cash Flow Statement of the Bank for the year ended
on that date annexed thereto in which are incorporated
the returns of (i) 20 Branches and 28 Circle Ofces audited
by us, (ii) 1405 Branches audited by branch auditors,
and (iii) 2 foreign branches audited by local auditors.
The branches audited by us and those audited by other
auditors have been selected by the Bank in accordance
with the guidelines issued to the Bank by the Reserve
Bank of India. Also incorporated in the Balance Sheet
and the Prot and Loss Account are the returns of 217
branches and 24 other ofces, which have not been
subjected to audit. These unaudited branches account
for 0.54% of advances, 2.27% of deposits, 0.35% of
interest income and 2.00% of interest expenses. These
nancial statements are the responsibility of the Banks
Management. Our responsibility is to express an opinion
on these nancial statements based on our audit.
We conducted our audit in accordance with the auditing
standards generally accepted in India. Those standards
require that we plan and perform the audit to obtain
reasonable assurance about whether the nancial
statements are free from material mis-statements. An
audit includes examining on a test basis, evidence
supporting the amounts and disclosures in the nancial
statements.
An audit also includes assessing the
accounting principles used and signicant estimates
made by the management, as well as evaluating the
overall nancial statement presentation.
We believe
that our audit provides a reasonable basis for our
opinion.
3.
The Balance Sheet and the Prot and Loss Account have
been drawn up in Forms A and B respectively of the
Third Schedule to the Banking Regulation Act, 1949.
4.
As required by the Banking Companies (Acquisition

and Transfer of Undertakings) Act, 1970 and subject to
the limitations of disclosures required therein and the
limitations of the audit indicated in Para (1) above, we
report that:
a. We have obtained all the information and explanations,
which to the best of our knowledge and belief, were
necessary for the purposes of our audit and have
found them to be satisfactory.
b) The transactions of the Bank, which have come to our
notice, have been within the powers of the Bank.
c) The returns received from the ofces and branches
and ofces of the Bank have been found adequate for
the purpose of our audit.
5.
In our opinion the Balance Sheet, Prot and Loss

Account and Cash Flow Statement comply with the
applicable accounting standards.
6.
In our opinion, as shown by books of bank, and to the

best of our information and according to the explanations
given to us:
(i) The Balance Sheet read with the notes thereon is a
full and fair Balance Sheet containing the necessary
particulars, is properly drawn up so as to exhibit a
true and fair view of the affairs of the Bank as at
31st March 2009 in conformity with accounting
principles generally accepted in India.
(ii) The Prot and Loss Account read with the notes
thereon shows a true balance of the Prot in
conformity with accounting principles generally
accepted in India, for the year covered by the
account; and
(iii) The Cash Flow Statement gives a true and fair view
of the cash ows for the year ended on that date.

R SUBRAMANIAN
Partner
(M.No. 008460)

R P AGARWAL
Partner
(M.No. 051979)
For GRANDHY & CO.,

G S RAMACHANDRA RAO
Partner
(M.No. 004865)
For P L MITTAL & CO

P L MITTAL
Partner
(M.No. 014278)

S SUNDARA RAMAN
Partner
(M.No. 022137)

S SWAMINATHAN
Partner
(M.No. 023998)
Place Chennai
Date : 27.04.2009
129

130
g_o{H$V VwbZ n,
bm^ d hm{Z boIm Ed AZwgy{M`m
CONSOLIDATED BALANCE SHEET,
PROFIT AND LOSS ACCOUNT AND SCHEDULES
131
31 _mM 2009 H$mo lekIr ofZ ds fy,g_o{H$V VwbZ n

CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2009
(#-djksM+ksa esa)
(Rs. in Crore)
{ddaU Particulars
AZwgyMr ga
Schedule
nyOr d Xo`VmE CAPITAL & LIABILITIES

nyOr Capital
Ama{j{V`m Ama A{Yeof Reserves & Surplus
Ang`H$ {hV Minority Interest
O_mE Deposits
CYma Borrowings
A` Xo`VmE Ama nmdYmZ Other Liabilities & Provisions
31.03.2009 H$mo
As on 31.03.2009
829.77
6434.38
19.71
72512.49
530.78
3914.85
829.77
4419.13
22.25
60985.34
1283.24
3063.39
84241.98
70603.12
6211.59
6432.97
7
8
9
10
11
474.73
22861.32
51479.05
1601.40
1613.89
340.31
21942.78
39856.43
549.54
1481.09
84241.98
70603.12
17439.10
12753.39
1631.36
1561.79
1
2
2A
3
4
5
Hw$b Total
AmpV`m ASSETS
^maVr` [aOd ~H$ Ho$ gmW ZH$X Ama eof
Cash & Balances with Reserve Bank of India
31.03.2008 H$mo
As on 31.03.2008
~H$m| Ho$ gmW eof Ama _mJ na VWm An gyMZm na nm` YZam{e
Balances with Banks and Money at call and short notice
{Zdoe Investments
A{J_ Advances
AMb AmpV`m Fixed Assets
A` AmpV`m Other Assets
Hw$b Total
AmH$p_H$ Xo`VmE Contingent Liabilities
dgybr Ho$ {bE {~b Bills for Collection
12
17
18
ys[kksa ij fVIif.k;ka Notes on Accounts

egRoiw.kZ ys[kkdj.k uhfr;ka Signicant Accounting Policies
ij lanfHkZr vuqlwfp;ka rqyu i= dk ,d vfHkUu vax gS
Schedules refered to above form an integral part of the Balance Sheet
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
M S SUNDARA RAJAN
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
Executive Director
Executive Director
General Manager
E_ Eg gwXa amOZ
funskd DIRECTORS:
dqekj lat; d`".kk KUMAR SANJAY KRISHNA, gr Ama JmonmbgwXa_ C R GOPALASUNDARAM, AemoH$ Jwm ASHOK GUPTA, Q>r Q>r ZQ>amOZ T T NATARAJAN,
S>m Or gwYmH$a amd DR G SUDHAKAR RAO, lr_Vr gm[a`m ImZ Mrs. SARIA KHAN, lh ds jaxukFku C K RANGANATHAN izks- ujsUnz dqekj vxzoky PROF. NARENDRA KUMAR AGRAWAL

For R. SUBRAMANIAN AND COMPANY
gZXr boImH$ma
vkj izdkk
R. Prakash
lk>snkj
Partner
(M.No. 205869)
For R. GOPAL & ASSOCIATES

gZXr boImH$ma
vkj ih vxjoky
R. P. Agarwal
lk>snkj
Partner
(M.No. 051979)
H$Vo JYr ES> H$.

For GRANDHY & CO
gZXr boImH$ma
ujsk panz xsYyh oh
Naresh Chandra Gelli V
lk>snkj
Partner
(M.No. 201754)
H$Vo nr.Eb {_Vb ES> H$nZr
H$Vo {ddZmWZ ES> dm_rZmWZ
For P. L. MITTAL & CO.,

gZXr boImH$manr.

gZXr boImH$ma

gZXr boImH$ma

VmarI Date : 19.05.2009
132
ys[kk ijh{kd AUDITORS:

/khjt feRry
oh eksgu
,l LokfeukFku
Dhiraj Mittal
lk>snkj
Partner
(M.No. 97289)
V. Mohan
lk>snkj
Partner
(M.No. 26590)
S Swaminathan
lk>snkj
Partner
(M.No. 23998)
31 _mM 2009 H$mo lekIr ofZ ds fy, g_o{H$V VwbZ n

(#-djksM+ksa esa)
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2009 (Rs. in Crore)
{ddaU Particulars
AZwgyMr ga
31.03.2009 H$mo g_m df 31.03.2008 H$mo g_m df
Schedule
Income
A{OV `mO Interest earned
A` Am` Other Income
Year Ended 31.03.2009
Year E 31.03.2008
I. Am`
13
6833.16
14
1046.03
1056.21
7879.19
6268.45
15
4216.04
3154.92
16
1422.50
1407.09
Hw$b Total
5212.24
II.
`` Expenditure
`` {H$`m J`m `mO Interest expended
n[aMmbZJV `` Operating Expenses
nmdYmZ Ed AmH$p_H$Vm`| Provisions & Contingencies
994.77
656.68
6633.31
5218.69
III. df Ho$ {bE g_yh go g~{YV g_o{H$V {Zdb bm^ / (hm{Z)

Consolidated Prot/(loss) for the year attributable to the group
lg;ksfx;ksa ({ks=h; xzkeh.k cSad)esa vtZu dk Hkkx
Share of earnings in Associates (Regional Rural Banks)
An g`H$ {hV Minority Interest
AJmZrV bm^/(hm{Z) Prot/(Loss) brought forward
1245.88
6.73
2.54
1255.15
81.57
1049.76
0.00
-6.64
1043.12
56.41
Hw$b {Zdb bm^ Total Net Prot
1336.72
1099.53
313.00
24.13
252.00
1.38
54.00
11.09
537.73
15.00
218.21
37.50
43.45
60.00
0.00
439.72
15.00
178.57
35.00
36.29
Hw$b Total
IV. {d{Z`moOZ Appropriations

{ZZ H$mo AV[aV Transfer to
gm{d{YH$ [aOd Statutory Reserves
nyOr [aOd - A` Capital Reserves-Others
Am`-H$a A{Y{Z`_ 36(1)(viii) Hoo$ AVJV {deof [aOd
vk;dj vf/kfu;e ds fjtoZ foeof ;w@,l 36(1)(viii) Spl.Reserve u/s 36(1)(viii) of Income Tax Act
fuosk fjt+oZ Investment Reserves
amOd [aOd Revenue Reserves
Q>m\$ H$`mU {Z{Y Staff Welfare Fund
nVm{dV bZfDoVh bm^me Proposed Equity Dividend
nVm{dV A{Y_m` bm^me Proposed Preference Dividend
bm^me {dVaU H$a Dividend Distribution Tax
g_o{H$V VwbZ n H$mo bo Om`m J`m A{Yeof
Balance carried over to consolidated Balance Sheet
Hw$b {d{Z`moOZ Total Appropriations
n{V eoà AOZ . (_yb Ed H$_ {H$`m J`m) Earnings per Share in Rs. (Basic & diluted)
ys[kksa ij fVIif.k;ka Notes on Accounts

egRoiw.kZ ys[kkdj.k uhfr;ka Signicant Accounting Policies
ij lanfHkZr vuqlwfp;ka rqyu i= dk ,d vfHkUu vax gS
82.61
81.57
1336.72
1099.53
28.18
23.32
17
18
Schedules refered to above form an integral part of the Balance Sheet
E_ Eg gwXa amOZ
M S SUNDARA RAJAN
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
A`j Ed n~Y {ZXoeH$
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
Executive Director
Executive Director
General Manager
funskd DIRECTORS:
dqekj lat; d`".kk KUMAR SANJAY KRISHNA, gr Ama JmonmbgwXa_ C R GOPALASUNDARAM, AemoH$ Jwm ASHOK GUPTA, Q>r Q>r ZQ>amOZ T T NATARAJAN,
S>m Or gwYmH$a amd DR G SUDHAKAR RAO, lr_Vr gm[a`m ImZ Mrs. SARIA KHAN, lh ds jaxukFku C K RANGANATHAN izks- ujsUnz dqekj vxzoky PROF. NARENDRA KUMAR AGRAWAL

gZXr boImH$ma
vkj izdkk)
R. Prakash
lk>snkj
Partner
(M.No. 205869)
ys[kk ijh{kd AUDITORS:

gZXr boImH$ma
vkj ih vxjoky
R. P. Agarwal
lk>snkj
Partner
(M.No. 051979)
H$Vo JYr ES> H$.

For GRANDHY & CO
gZXr boImH$ma
ujsk panz xsYyh oh
lk>snkj
Partner
(M.No. 201754)

gZXr boImH$manr.

gZXr boImH$ma

gZXr boImH$ma
/khjt feRry
oh eksgu
,l LokfeukFku
Dhiraj Mittal
lk>snkj
Partner
(M.No. 97289)
V. Mohan
lk>snkj
Partner
(M.No. 26590)
S Swaminathan
lk>snkj
Partner
(M.No.23998)

VmarI Date : 19.05.2009
133
AZwgyMr 1- nyOr
(#-djksM+ksa esa)
SCHEDULE - 1 - CAPITAL
(Rs. in Crore)
{ddaU Particulars
I nm{YH$V nyOr Authorised Capital
nòH$ . 10/- Ho$ 150,00,00,000 B{$Q>r eoà fy, Equity Shares of Rs.10/- each
nòH$ . 100/- Ho$ 4,00,00,000 Wm`r Ja-gM`r A{Y_m` eoà
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
1500.00
1500.00
400.00
400.00
a) 34,38,20,000 Equity Shares of Rs.10-/ each held by Central Government

I OZVm mam aIo JE nòH$ .10/- Ho$ 8,59,50,000 B{$Q>r eoà
b) 8,59,50,000 Equity Shares of Rs.10-/ each held by Public
343.82
343.82
85.95
85.95
Hw$b TOTAL
A{Y_m` eoà Preference Shares:
H|$Xr` gaH$ma mam aIo JE nòH$ .100/- Ho$ 4,00,00,000 - 8 n{VeV ( nmdYm{ZH$ ) Wm`r Ja gM`r
A{Y_m` eoà
429.77
429.77

held by Central Government
400.00
400.00
829.77
829.77
Omar, A{^XV Ama AXm {H$E JE Issued, Subscribed and Paid up:
H$. Ho$Xr` gaH$ma mam aIo JE nòH$ .10/- Ho$ 34,38,20,000 B{$Q>r eoà
II
Hw$b TOTAL
AZwgyMr 2- Ama{j{V`m Ama A{Yeof
(#-djksM+ksa esa)
SCHEDULE - 2 - RESERVES AND SURPLUS

{ddaU Particulars
gm{d{YH$ Ama{j{V`m Statutory Reserves
nyOrJV Ama{j{V`m - nwZ_y`mH$Z Capital Reserves-Revaluation
nyOrJV Ama{j{V`m - A` Capital Reserve -Others
eoà nr{_`_ Share Premium
{Zdoe [aOd Investment Reserve
amOd Ama A` nma{jV {Z{Y`m Revenue and other Reserves*
Am`-H$a A{Y{Z`_ 36(1)(viii) Hoo$ AVJV {deof [aOd
Spl. Reserve u/s 36(1)(viii) of Income Tax Act
bm^ Ed hm{Z ImVm Prot & Loss account
Hw$b TOTAL
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
1388.49
1255.61
30.55
696.20
11.09
1075.48
215.23
6.43
696.20
0.00
2850.00
2278.39
119.83
82.61
65.83
81.57
6434.38
4419.13
bZfDoVh in~/kfr ds rgr lg;ksfx;ksa esa bafM;u cSad ds fuosk ewY; dks fuxfer djus ds fy,]geus nks lg;ksfx;ksa dh foRrh; foojf.k;ksa ij Hkh fopkj fd;k gS A
*(includes valuation surplus of Rs.39.53 Crore of Associates(RRBs) for the period upto 31.03.2008 on account of incorporating the investment value of the
Bank in RRBs under equity method).
AZwgyMr 2A-Ang`H$ {hV
(#-djksM+ksa esa)
(Rs. in Crore)
SCHEDULE - 2A - MINORITY INTEREST

{ddaU Particulars
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
_yb C_ - AZwfJr H$m g~Y CX^d hmoZo H$s VmarI na An g`H$ {hV
Minority interest on the date on which the parent-subsidiary relationship came
into existence
nadVu d{ / KQ>md Subsequent increase/decrease
3.27
3.27
16.44
18.98
VwbZ n H$s VmarI na An g`H$ {hV Minority interest on the date of balance sheet
19.71
22.25
134
AZwgyMr 3- O_mE
(#-djksM+ksa esa)
SCHEDULE - 3 - DEPOSITS
{ddaU Particulars
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
(A) I. _mJ O_mam{e`m A.I. Demand Deposits

ii. A`m| go From others
II. ~MV ~H$ O_mamqe`m Savings Bank Deposits
III. gmd{Y O_mam{e`m Term Deposits
ii. A`m| go From others
Hw$b (I, II d III) Total (I, II & III)
(Am) I . ^maV _| emImAm| H$s O_mE B.I.Deposits of branches in India
II. ^maV Ho$ ~mha emImAm| H$s O_mE Deposits of branches outside India
Hw$b (I d II) Total (I & II)
40.54
5249.96
17666.79
30.89
4699.83
15010.59
1059.99
48495.21
936.38
40307.65
72512.49
60985.34
69589.43
2923.06
58844.54
2140.80
72512.49
60985.34
AZwgyMr 4- CYma
(#-djksM+ksa esa)
SCHEDULE -4 - BORROWINGS
{ddaU Particulars
31.03.2008 H$mo
As on 31.03.2008
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
I.
^maV _| CYma Borrowings in India

i. A` ~H$ Other Banks
ii. A` gWmE Ama A{^H$aU Other Institutions and Agencies
II. ^maV Ho$ ~mha CYma Borrowings outside India
D$na I Ama II _| em{_b n{V^yV CYma Secured borrowings included in I & II above
0.00
121.84
408.94
0.00
748.08
535.16
530.78
1283.24
ey` NIL
ey` NIL
AZwgyMr 5- A` Xo`VmE Ama mdYmZ
(#-djksM+ksa esa)
SCHEDULE -5 - OTHER LIABILITIES AND PROVISIONS

{ddaU Particulars
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
I. Xo` {~b Bills Payable

II. AVa H$m`mb` g_m`moOZ ({Zdb) Inter-Ofce adjustments(net)
III. Cn{MV `mO Interest Accrued
IV. A` (nmdYmZm| g{hV) Others(including provisions)
165.21
733.58
283.53
2732.53
257.25
418.23
247.90
2140.01
Hw$b Total
3914.85
3063.39
AZwgyMr 6- ^maVr` [aOd ~H$ _| ZH$X Ama eof
(#-djksM+ksa esa)
SCHEDULE -6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA

{ddaU Particulars
I.
II.
hmW _| ZH$Xr ({dXoer _wXm ZmoQ>m| g{hV) Cash in hand (including foreign currency notes)
^maVr` [aOd ~H$ _| eof - Mmby ImVo _|
Balances with Reserve Bank of India - in Current Account
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
248.04
189.51
5963.55
6243.46
6211.59
6432.97
135
AZwgyMr 7-~H$m| _| eof Ed _mJ VWm An gyMZm na m` /kujkfk
(#-djksM+ksa esa)
SCHEDULE -7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
(Rs. in Crore)
31.03.2009 H$mo
31.03.2008 H$mo
{ddaU Particulars
As on 31.03.2009
As on 31.03.2008
I.
^maV _| In India
~H$m| _| eof Balances with Banks
(H$) Mmby ImVm| _|
(a) in Current Accounts
(I) A` O_m ImVm| _| b) in Other Deposit Accounts
(ii) _mJ na VWm An gyMZm na YZam{e Money at call and short notice
(H$) ~H$m| _| (a) with Banks
Hw$b (i d ii) Total (i & ii)
II. ^maV Ho$ ~mha Outside India
(i) Mmby ImVo _| in Current Account
(ii) A` O_m ImVm| _| in Other Deposit Accounts
(iii) _mJ ij rFkk An gyMZm na /ku am{e Money at call and short notice
Hw$b Total
Hw$b `moJ ( I d II ) Grand Total (I&II)
(i)
59.68
101.82
68.93
1.08
50.00
100.00
211.50
170.01
143.46
110.44
9.33
105.75
56.28
8.27
263.23
170.30
474.73
340.31
AZwgyMr 8- fuosk
(#-djksM+ksa esa)
SCHEDULE -8- INVESTMENTS
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
{ddaU Particulars
31.03.2008 H$mo
As on 31.03.2008
I.
^maV _| {Zdoe Investments in India in

i. gaH$mar n{V^y{V`m Government securities
ii. A` AZw_mo{XV n{V^y{V`m Other approved securities
iii. eoà Shares
iv. {S>~|Ma Ama ~mS> Debentures and Bonds
v. gh`moJr gWmAm| _| {Zdoe Investment in Associates
vi. A` Others (E;wpqvy Q.M ;wfuVksa] tek izek.k i= vkSj
Units, Cert. of Deposits and Oil Bonds)
17468.13
435.19
445.79
1587.65
8.51
560.95
1167.95
21940.00
21113.22
632.67
0.00
560.80
0.00
0.88
287.77
0.22
268.54
921.32
829.56
22861.32
21942.78
22335.70
395.70
21940.00
21343.79
230.57
21113.22
921.32
829.56
22861.32
21942.78
vk;y ckaM Mutual Fund
Hw$b Total
II. ^maV Ho$ ~mha {ZZ _| {Zdoe Investments outside India in
i. gaH$mar n{V^y{V`m (WmZr` nm{YH$m{Va`m| g{hV)
Government securities (including local authorities)
ii. lg;ksxh laLFkkvksa esa fuosk Investments in Associates
iii. A` {Zdoe Other investments
H$ eoà (a) Shares
I F$U n{V^y{V`m (b) Debt Securities
Hw$b Total
Hw$b `moJ ( I + II) Grand Total (I&II)
III. ^maV _| {Zdoe Investments in India
(i) {Zdoem| H$m gH$b _y` Gross value of Investments
(ii) _y`hmg Ho$ {bE nmdYmZm| H$m `moJ Aggregate of Provisions for Depreciation
(iii) {Zdb {Zdoe Net Investment
IV. ^maV Ho$ ~mha {Zdoe Investments outside India
(i) {Zdoem| H$m gH$b fuoy _y` Gross/Net value of Investments
Hw$b Total
136
18822.64
350.82
320.44
1830.37
54.78
AZwgyMr 9- {Zdoe
(#-djksM+ksa esa)
SCHEDULE -9- ADVANCES
(Rs. in Crore)
{ddaU Particulars
A. A. (i) H$` {H$E JE Ama ^wZmò JE {~b Bills Purchased and discounted
(ii) amooH$S> CYma, Amdoa S>mQ> Ama _mJ na Xo` CYma
Cash credits, overdrafts and loans repayable on demand
(iii) gmd{Y CYma )Term Loans
(iv) A` Others
Hw$b (A) Total (A)

Am. B. (i) _yV AmpV`m| mam n{V^yV (Bg_| ~hr F$Um| na A{J_ em{_b h)
(ii)
(iii)
Secured by tangible assets(includes advances against book debts)

~H$ / gaH$ma Jma{Q>`m| mam ga{jV Covered by Bank / Government Guarantees
An{V^yV Unsecured
Hw$b (Am) Total (B)

B. C. I ^maV _| A{J_ Advances in India
(i) nmW{_H$Vm jo Priority Sector
(ii) gmdO{ZH$ jo Public Sector
(iii) ~H$ Banks
(iv) A` Others
Hw$b (B - I) Total (C-I)
(II). ^maV Ho$ ~mha A{J_ Advances outside India
(i) ~H$m| go Xo` Due from Banks
(ii) A`m| go Xo` Due from Others
(H$) Ho$V Ed ~Q>Q>mH$V {~b (a) Bills Purchased & discounted
(I) gm_y{hH$ F$U (b) Syndicated Loans
(J) A` (c) Others
Hw$b (B - II ) Total (C-II)

Hw$b `moJ (B I + B II) Total (CI+CII)
31.03.2009 H$mo
As on 31.03.2009
1282.95
31.03.2008 H$mo
As on 31.03.2008
1240.09
18485.25
31710.43
0.42
13860.19
24755.69
0.46
51479.05
39856.43
40966.91
4410.56
6101.58
31018.85
3007.05
5830.53
51479.05
39856.43
18258.78
4933.51
0.02
25336.60
14995.46
5355.71
0.08
17493.52
48528.91
37844.77
437.49
399.41
407.48
1353.48
751.69
312.54
797.93
501.78
2950.14
2011.66
51479.05
39856.43
AZwgyMr 10-AMb AmpV`m
(#-djksM+ksa esa)
SCHEDULE -10- FIXED ASSETS

{ddaU Particulars
I. n[aga Premises
nyddVu VwbZ-nmZwgma bmJV /nwZ_y`mH$Z na At cost/revaluation as per last Balance Sheet
df Ho$ XmamZ OmoS>/g_m`moOZ Additions / adjustments during the year
df Ho$ XmamZ dVkSfr;ka Deductions during the year
CV VmarI VH$ ewY;gzkl Depreciation to date
{Zdb _y` Net Value
I H$. {Z_mUmYrZ n[aga IA.Premises under Construction
II. A` AMb AmpV`m (\${ZMa / {\$gMa g{hV) Other Fixed Assets(including furniture & xtures)
fiNys rqyu&i=kuqlkj ymJV na At cost as per last Balance Sheet
df Ho$ XmamZ dVkSfr;ka Deductions during the year
CV VmarI VH$ ewY;gzkl Depreciation to date
{Zdb _y` Net Value
II (H$) nQ>Q>mH$V AmpV`m IIA.Leased Assets
fiNys rqyu&i=kuqlkj bmJV na At cost as per last Balance Sheet
df Ho$ XmamZ OmoS > Additions during the year
izko/kkuksa lfgr gp_{bV df Ho$ XmamZ dVkSfr;ka Deductions during the year including provisions
mDr rkjh[k rd ewY;gzkl Depreciation to date
{Zdb _y` Net Value
Hw$b (I , I(H$), II d II(H$)) Total (I,IA,II,&IIA)
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
427.02
1064.45
0.00
137.15
426.08
0.94
0.00
116.04
1354.32
310.98
4.57
5.42
633.58
100.50
20.10
471.77
549.90
92.55
8.87
404.69
242.21
228.89
38.89
0.00
22.74
15.85
55.00
0.00
32.73
18.02
0.30
1601.40
4.25
549.54
137
AZwgyMr 11- A` AmpV`m
(#-djksM+ksa esa)
SCHEDULE -11- OTHER ASSETS

{ddaU Particulars
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
447.67
441.59
213.43
13.03
134.63
12.72
0.24
119.94
819.58
0.24
309.56
582.35
1613.89
1481.09
I. Cn{MV `mO Interest accrued

II. A{J_ $n go nXV H$a / moV na H$mQ>m J`m H$a
Tax paid in advance/tax deducted at source
III. boIZ gm_Jr Ed Q>mn Stationery and stamps
IV. Xmdm| H$s gVw{> go nm H$s J`r Ja ~H$H$mar AmpV`m
Non-banking assets acquired in satisfaction of claims
V. AmW{JV H$a AmpV`m Deferred Tax assets
VI. A` Others
Hw$b Total
AZwgyMr 12- AmH$p_H$ Xo;VmE

SCHEDULE -12- CONTINGTENT LIABILITIES
{ddaU Particulars
I.
31.03.2008 H$mo
As on 31.03.2008
(#-djksM+ksa esa)
(Rs. in Crore)
31.03.2009 H$mo
As on 31.03.2009
31.03.2008 H$mo
As on 31.03.2008
~H$ Ho$ {d Xmdo {Oh| F$U Ho$ $n _| drH$ma Zht {H$`m J`m h
Claims against the Bank not acknowledged as debts

II. AeV nXV {Zdoem| Ho$ {bE Xm{`d Liability for partly paid Investments
III. ~H$m`m dm`Xm {d{Z_` g{dXmAm| Ho$ ~m~V Xm{`d
Liability on account of outstanding forward exchange contracts
IV. gKQ>H$m| H$s Amoa go Xr JB Jma{Q>`m Guarantees given on behalf of constituents
H$. ^maV _| (a)In India
I. ^maV Ho$ ~mha (b)Outside India
V. drH${V`m, n>mH$Z Ama A` Xm{`d
Acceptances, endorsements and other obligations
VI. A` _X| {OZHo$ {bE ~H$ AmH$p_H$ $n go CVaXm`r h
Other items for which the bank is contingently liable
Hw$b Total
163.04
0.08
170.58
0.08
9371.02
6525.75
4419.89
48.61
2891.73
10.83
3251.43
2862.69
185.03
291.73
17439.10
12753.39
AZwgyMr 13- A{OV `mO
(#-djksM+ksa esa)
SCHEDULE -13- INTEREST EARNED

{ddaU Particulars
(Rs. in Crore)
31.03.2009 H$mo g_m df

Y E 31.03.2009
31.03.2008 H$mo g_m df

Y E 31.03.2008
I. A{J_m| / {~bm| na `mO /~Q>Q>m Interest/discount on advances/bills

II. {Zdoem|| na Am` Income on Investments
III. ^maVr` [aOd ~H$ Ho$ nmg eof Ama A` AVa ~H$ {Z{Y`m| na `mO
Interest on balances with Reserve Bank of India and other
inter-bank funds
IV. A` Others
5089.41
1687.44
3500.41
1666.52
56.22
0.09
45.17
0.14
Hw$b Total
6833.16
5212.24
138

AZwgyMr 14- A` Am`
(#-djksM+ksa esa)
SCHEDULE -14- OTHER INCOME

{ddaU Particulars
I. H$_reZ, {d{Z_` Ama Xbmbr Commission , exchange and brokerage
II. {Zdoem| Ho$ {dH$` na bm^ ({Zdb) Prot on sale of Investments(net)
III. {Zdoem| Hoo$ nwZ_y`mH$Z na bm^ ({Zdb)
Prot on Revaluation of Investments (net)
IV. ^y{_, ^dZ Ama A` AmpV`m| Ho$ {dH$` na bm^({Zdb)
Prot on sale of land, buildings and other assets(Net)
V. {d{Z_` g`dhmam| na bm^ ({Zdb) Prot on exchange transactions(net)
VI. H$) nQ>Q>m-{dV / {H$am`m IarX go Am`
a) Lease nance / Hire Purchase income
(Rs. in Crore)
31.03.2009 H$mo g_m df

Y E 31.03.2009
31.03.2008 H$mo g_m df

Y E 31.03.2008
232.24
199.25
179.30
221.07
0.00
0.00
0.08
105.17
-0.52
99.97
0.30
1.15
12.36
496.63
4.81
550.43
1046.03
1056.21
(I) {dXoe / ^maV _| H$n{Z`m| VWm / `m gh C_m| go bm^me Am{X Ho$ O[aE A{OV Am`
b) Income earned by way of dividends etc. from companies and/
or joint ventures abroad/ in India
VII. {d{dY Am` Miscellaneous Income
Hw$b Total
AZwgyMr 15- `` {H$`m J`m `mO
(#-djksM+ksa esa)
SCHEDULE -15- INTEREST EXPENDED

{ddaU Particulars
I. O_mAm| na `mO Interest on deposits
II. ^maVr` [aOd ~H$ / AVa ~H$ CYmam| na `mO
Interest on Reserve Bank of India/inter-bank borrowings
III. A` Others
Hw$b Total
(Rs. in Crore)
31.03.2009 H$mo g_m df

Y E 31.03.2009
4055.66
2975.39
101.32
59.06
58.59
120.94
4216.04
3154.92
AZwgyMr 16- n[aMmbZ ``

SCHEDULE -16- OPERATING EXPENSES
{ddaU Particulars
I.
31.03.2008 H$mo g_m df

Y E 31.03.2008
(#-djksM+ksa esa)
(Rs. in Crore)
31.03.2009 H$mo g_m df 31.03.2008 H$mo g_m df

Y E 31.03.2009
Y E 31.03.2008
H$_Mm[a`m| H$mo ^wJVmZ Ama CZHo$ {bE nmdYmZ
Payments to and provisions for employees

II. {H$am`m, H$a Ama amoeZr Rent, taxes and lighting
III. _wXU Ama boIZ gm_Jr Printing and stationery
IV. {dkmnZ Ama nMma Advertisement and publicity
V. H$) nQ>Q>mH$V AmpV`m| go A`m| na ~H$ H$s gnpV na _y`hmg
(a) Depreciation on Banks property other than Leased Assets
I) nQ>Q>mH$V AmpV`m| na _y`hmg (b) Depreciation on Leased Assets
VI. {ZXoeH$m| H$s \$sg, ^Vo Ama `` Directors fees, allowances and expenses
VII. boIm narjH$m| H$s \$sg Ama `` (emIm boIm narjH$m| H$s \$sg Ama `` g{hV)
Auditors fees and expenses (including branch auditors fees and
expenses)
VIII. {d{Y n^ma Law charges
IX. S>mH$, Vma Ama Qo>br\$moZ Am{X Postage, telegrams, telephones, etc.
X. _a_V Ama AZwajU Repairs and maintenance
XI. ~r_m Insurance
XII. A` `` Other expenditure
Hww$b Total
982.54
100.27
18.80
8.94
969.35
90.63
17.39
12.41
85.23
0.63
0.45
102.92
0.80
0.46
13.18
4.33
6.22
34.01
62.95
104.95
13.90
3.77
9.38
26.06
52.46
107.56
1422.50
1407.09
139
AZwgyMr-17
g_o{H$V {dVr` {dda{U`m| Ho$ {bE boIm {Q>n{U`m (2008-09)
1-
2.
lesfdr foRrh; foojf.k;ksa esa bafM;u cSad ewy laLFkk vkSj mldh vuqfafx;ksa vkSj lg;ksfx;ksa ds ifj.kke lfEefyr gSa %
AZwf{J`ma
H$_ g. AZwfJr H$m Zm_
gWmnZm H$m Xoe
dm{_d H$m AZwnmV
1.
64.84%
BS>~H$ _M}Q> ~qH$J g{dgoO {b
^maV
2.
51.00%
BS>~H$ hmCqgJ {b
^maV
3.
100.00%
BS>\$S> _ZoO_|Q> {b.
^maV
gh`moJr
gh`mo{J`m| H$m Zm_
ndZ Jm_ ~H$
ii)
g{J[a Jm_rU ~H$
Iii) nwXwd ^ma{V`ma Jm_ ~H$ ( 26.03.2008 H$mo Wm{nV)*
i)
eoàYmaU T>mMm
35.%
35.%
35.%
*(bZfDoVh i)fr ds rgr ewy laLFkk }kjk lg;ksxh dh iwath ds fy, vfHknRr jkfk ds ewY;kadu ds fy, fopkj ugh fd;k x;k D;ksafd es;j
izek.k&i= vHkh izkIr ugh gqvk gS vkSj ewy laLFkk dh cfg;ksa esa vU; vkfLr;ksa ds rgr vfHknRr jkfk nkkZbZ xbZ gSA
3.
nyOr
^maV gaH$ma mam aIr JB _yb gWm H$s nyUV H$_ H$s JB B{$Q>r eoà nyOr H$m 20%, {H$E JE gmdO{ZH$ {ZJ_ Zm_V 21 \$adar 2007 _|, Am~Q>Z H$s {V{W
go VrZ dfm| H$s bmH$ BZ Ad{Y Ho$ AYrZ h&
4.
4-1
H$IJ4-2
boIm g_mYmZ Ed g_m`moOZ

_yb gWm
ewy laLFkk dh varj ek[kk ,oa varj cSad enksa dk ys[kk lek/kku 31-03-2009 rd iwjk fd;k tk pqdk gSA fofHkUu dkjxj mik;ksa ds }kjk ewy
laLFkk us cdk;k izfofV;ksa ds fuiVku esa vkSj deh ykbZ gSA esf cdk;k izfofV;ksa ds lek;kstu dk dk;Z izxfr ij gSA
31-03-2009 rd 6 eghuksa ls vf/kd ds fy, cdk;k varj ek[kk ys[kk esa vlekkksf/kr izfofV;ksa ds laca/k esa fuoy _.k fLFkfr dks /;ku esa
j[krs gq, fdlh Hkh izko/kku dh vko;drk ugh gSA
ewy laLFkk ds laca/k esa] dqN ek[kkvksa esa vuqfxha cfg;ksa@jftLVjksa dk rqyu vkSj lkekU; cfg;ksa ds lkFk ys[kk lek/kku izxfr ij gSA izca/ku
dh jk; esa [kkrksa ij mi;qZDr fof;ksa dk ifj.kkeh izHkko cgqr T+;knk ugha gksxkA
AZwfJr H$anZr
baMcSad epsZaV cSafdax lfoZlst+ fy- %
xzkgd ysunsuksa ds fy, ifjpkyu iz;kstuksa gsrq iz;qDr ,d cSad ys[kss dk ys[kk lek/kku izxfr ij gSA #-48-89 yk[k ds u igpkus x,
sfMV #-60-72 yk[k vkSj MsfcV #-11-83 yk[k ysunsuksa ds feyku ls ;g izR;kkk ugha dh tk ldrh gS fd og ykHk ,oa gkfu ys[kk ij
egRoiw.kZ izHkko MkysA
5.
AMb AmpV`m
5.1
_yb gWm Ho$ n[aga _| 11.11 H$amoS> nò bmJV dmbr n[agn{V`m em{_b h {OZH$m ~hr _y` 8.43 H$amoS> nò h (JV df H$_e 11.11 H$amoS> Ama 8.56
H$amoS> nò), {OZHo$ {bE nOrH$aU H$s AmnMm[aH$VmE nJ{V na h&
ofZ 2008&09 esa Hkkjr esa ewy laLFkk dh dqN vpy laifRr;ksa dk vuqeksfnr ewY;kaddksa }kjk mfpr ckt+kj ewY; ij iquewZY;u fd;k x;k rFkk
ifj.kkeLo:i 1057-76 djksM+ #i;s dh ewY; o`f) jkfk dks iquewZY;u fjt+oZ [kkrs esa tek fd;k x;kA iquewZY;u fd, x, vak ij vfrfjDr
17-37 djksM+ #i;s ds ewY;gzkl xr ofZ 4-22 djksM+ #i;s dks ykHk o gkfu ys[kk esa izHkkfjr dj fn;k x;k rFkk mldh leewY; jkfk dk
vkgj.k iquewZY;u fjt+oZ [kkrs ls dj fn;k x;k gSA
Hkkjrh; fjt+oZ cSad ekunaMkuqlkj ewy laLFkk vc rd vizR;kHkwr voekud vkfLr;ksa ds laca/k esa 20 izfrkr vkSj voekud vfxzeksa ds laca/k esa
10 izfrkr dk izko/kku dj jgh FkhA ewy laLFkk us orZeku ofZ ls lHkh voekud vfxzeksa ds laca/k esa 20 izfrkr dk ,dleku izko/kku fd;k
gSA uhfr esa mi;qZDr ifjorZu ds dkj.k #-10-08 djksM+ dk vfrfjDr izko/kku gqvk gSA
5.2
6.
140
SCHEDULE 17
Notes On Accounts to CONSOLIDATED FINANCIAL STATEMENTS (2008-09)
The Consolidated Financial Statements (CFS) comprise the results of Indian Bank (Parent), its Subsidiaries and Associates
1.
SUBSIDIARIES:
Sl. No.
1.
2.
3.
2.
Name of the Subsidiary
Country of Incorporation
Indbank Merchant Banking Services Ltd.

Indbank Housing Ltd.
Indfund Management Ltd.
Proportion of Ownership
India
India
India
64.84%
51.00%
100.00%
ASSOCIATES:
Name of the Associates
(i) Pallavan Grama Bank
Shareholding pattern
35%
(ii) Saptagiri Grameena Bank
35%
(iii) Puduvai Bharathiar Grama Bank (Estabilished on 26.03.2008)*
35%
(* not considered for valuation of the amount subscribed towards capital of the Associate by the parent under equity
method since the share certicate is yet to be received and the amount subscribed is shown under other assets in the
books of Parent)
3.
CAPITAL
20% of the fully diluted post-issue Equity Share Capital of the Parent held by the Government of India is subject to a
lock-in period of three years from the date of allotment in the public issue namely 21st February 2007.
4.
RECONCILIATION AND ADJUSTMENTS
4. 1.
PARENT:
(a)
Reconciliation of inter-branch and inter-bank items of Parent is completed upto 31.03.2009.

The Parent through
various effective steps has achieved further reduction in the clearance of outstanding entries. Adjustment of the
remaining outstanding entries is in progress.
(b)
In view of net credit position in respect of unreconciled entries in the inter Branch Account outstanding for more than
6 months as on 31.03.2009, no provision is required.
(c)
In respect of Parent, Balancing of subsidiary ledgers/registers and reconciliation with general ledgers are in progress
at some branches. In the opinion of the management, consequential impact of the above on the accounts will not be
signicant.
4.2
SUBSIDIARY COMPANY:
INDBANK MERCHANT BANKING SERVICES LTD
The Bank Reconciliation of one bank account used for operating purpose of client transactions is in progress. The
matching of entries of unidentied credit (Rs.60.72 lakhs) and debit (Rs.11.83 lakhs) transactions of Rs.48.89 lakhs is
not expected to throw any material impact on the prot and loss account.
5.
FIXED ASSETS
5.1
Premises of the Parent include properties costing Rs. 11.11 crore, the book value of which is Rs.8.43 crore (previous
year Rs.11.11 crore and Rs.8.56 crore respectively), for which registration formalities are in progress.
Certain immovable properties of the Parent in India were revalued during year 2008-09 at fair market value by approved
valuers and the resultant appreciation of Rs.1057.76 crore was credited to Revaluation Reserve Account. Additional
Depreciation on the revalued portion amounting to Rs. 17.37 crore (previous year Rs.4.22 crore) has been charged to
Prot and Loss Account and an equivalent withdrawal is made from the Revaluation Reserve Account.
As per RBI norms the Parent was hitherto providing 20% in respect of unsecured Substandard Assets and 10% in
respect of other Substandard Advances. The Parent has from the current year made uniform provision of 20% in
respect of all substandard advances. The change in the above policy has resulted in additional provision of Rs.10.08
crore.
5.2
6.
141
7. H$a hoVw nmdYmZ

7.1
_yb gWm
(H$) vk;dj vf/kfu;e 1961 dh /kkjk 115 tsch ds v/khu 151-06 djksM+ #i;s xr ofZ 211-52 djksM+ #i;s dk vk;dj ds fy, izko/kku j[kk
x;k gS vkSj fQzat csfufQ+V dj ns;rk ds fy, 8-05 djksM+ #i;s xr ofZ 10-00 djksM+ #i;s dk okilh izko/kku j[kk x;k gSA
(I) 31-03-2009 dks fookfnr vk;dj ekax cdk;k esf 348-19 djksM+ #i;s xr ofZ 237-73 djksM+ #i;s Fkk] ftlesa ls 254-56 djksM+ #i;s xr
ofZ 205-40 djksM+ #i;s okilh vknskksa ds ,ot+ esa foHkkx }kjk vnk@lek;ksftr dj fn, x,A ,d gha rjg ds ekeyksa ij cSad ds i{k esa
fofHkUu U;kf;d mn~?kksf.kkvksa ij fopkj djrs gq, vkSj] iwoZ fu/kkZj.k ofksaZ ds fy, cSad }kjk nk;j dh xbZ vihyksa ds dkj.k tks fofHkUu vihyh;
izkf/kdj.kksa ds le{k vfu.khZr gSa] fdUgha izko/kkuksa ij fopkj djuk vko;d ugha le>k x;kA
7.2
AZwfJr H$n{Z`m
7.2.1 BS> ~H$ _M}Q> ~qH$J g{dgoO {b.
vkxs ys tkbZ xbZ gkfu;ksa vk; dj ds vuqlkj rFkk cgh gkfu;ksa ,e,Vh vfHkdyu ds vuqlkj dks /;ku esa j[krs gq, ofZ ds fy, dj
izko/kku dh vko;drk ugha gSA vihy esa fookfnr vk; dj ekax #-14-01 djksM+ fiNys ofZ #-9-99 djksM+ vkSj vihy esa fookfnr C;kt dj
ekax #-0-61 djksM+ fiNys ofZ #-04-7 djksM+ gSA fof;ksa ij U;kf;d fu.kZ;ksa vkSj@;k fof/kd jk; dks /;ku esa j[krs gq, vk;dj ds fookfnr
ekaxksa ds fy, dksbZ izko/kku ugh j[kk x;k gSA
7.2.2 BS> ~H$ hmCqgJ {b.
vk; dj foHkkx us ewY;kadu ofZ 1999&00 gsrq C;kt lfgr #-4-32 djksM+ ds fy, ,d ekax lwpuk Hksth gSA ekax] chekafdd vk/kkj ij
x+Sj&fuiknd vkfLr;ksa ij vk; dks /;ku esa j[krs gqbZ dh xbZ gS ftUgsa ,u,pch funskkuqlkj vk; ugh ekuk tk ldrk gSA vuqkaxh us ekax
ds fo#) dkjZokbZ dh gS vkSj ekuuh; enzkl mPp U;k;ky; ds le{k vihy ntZ dh gS vkSj vkkk djrh gS fd vihy esa lQ+yrk izkIr gksxh
vkSj blfy, dj gsrq izko/kku dh vko;drk ugh le>h xbZ gSA vk; dj foHkkx us lwfpr fd;k gS fd mi;qZDr ekax dks fofHkUu ewY;kadu
okksZa ds fy, C;kt lfgr izkI; /ku&okilh ds fo#) lek;ksftr fd;k gSA vuqfaxh dh cfg;ksa ds vuqlkj izkI; /ku&okilh #-2-79 djksM+
gSA
8. ZH$Xr ndmh {ddaU (EEg 3)

df 2008-09 Ho$ {bE ZH$Xr ndmh {ddaU AbJ go AZw~ {H$`m J`m h&
9. H$_Mmar bm^ (EEg 15)

_yb gWm
deZpkjh ykHk tSls isaku] xzsP;qfV] NqV~Vh HkqukbZ bR;kfn ds fy, 31-03-09 rd chekafdd ewY;kadu ds vk/kkj ij vkSj lakksf/kr ,,l&15 ds
vuqlkj izko/kku fd;k x;kA blds vfrfjDr ykHk gkfu ys[ks dks #-92 djksM+ dh jkfk izHkkfjr dh xbZ tksfd Hkkjrh; lunh ys[kkdkj laLFkku
}kjk vf/klwfpr deZpkjh ykHk ij lakksf/kr ,,l&15 ds vuqlkj lqfufpr #- 460 djksM+ dh lae.kdkyhu ns;rk dk 1@5 Hkkx gSA ckdh
rhu okksZa esa ykHk gkfu ys[ks dks izHkkfjr dh tkusokyh] igpku u dh xbZ lae.kdkyhu ns;rk dh jkfk #-276 djksM+ gSA
9.1
AZwfJr H$n{Z`m
9.2.1
BS> ~H$ _M}Q> ~qH$J g{dgoO {b.

01-04-2007 ls vuqkaxh daiuh us deZpkjh ykHkksa ij ,,l&15 lakksf/kr 2005 dks viuk;k gSA rks Hkh dksbZ lae.kdkyhu izHkko ugh gSA
ifjHkkfkr vaknku ;kstuk
okZ ds fy, O;; ds :i esa igpkus x,] ifjHkkfkr vaknku ;kstuk dks vaknku fuEukuqlkj gS %
(. H$amoS>m| _|)
fooj.k
Hkfo"; fuf/k dks fu;ksDrk dk vaknku

deZpkjh tek ls tqM+h chek ;kstuk gsrq ,yvkbZlh dks vaknku
142
2008-09
2007-08
17.47
11.25
0.21
0.15
7.
7.1
PROVISION FOR TAXATION

PARENT
a)
Under Sec.115JB of the Income Tax Act, 1961, a provision of Rs.151.06 crore (previous year Rs.211.52 crore) has been
made towards Income Tax and a provision retrieval of Rs. 8.05 crore (as against provision of Rs.10.00 crore made
during the previous year) has been made towards Fringe Benet Tax liability.
b)
The disputed Income Tax demand outstanding as at 31 03 2009 amounts to Rs.348.19 crore (previous year Rs.237.73
crore), out of which Rs.254.56 crore (previous year Rs.205.40 crore) has been paid / adjusted by the Department
against refund orders. Considering the various judicial pronouncements on similar issues in favour of the Bank and
the Appeals led by the Bank for earlier Assessment Years pending before various appellate authorities, no provision
is considered necessary.
7.2
SUBSIDIARY COMPANIES :
7.2.1
IND BANK MERCHANT BANKING SERVICES LTD

In view of carry forward losses (as per Income Tax) as well as book losses (as per MAT computation) no provision for
tax is required for the year. Income tax demand disputed in appeal Rs.14.01 crore (previous year Rs.9.99 crore) and
the Interest tax demand disputed in appeal Rs.0.61 crore ( previous year Rs.0.47 crore). No provision is made for the
disputed demands of Income Tax keeping in view the judicial pronouncements and/or legal opinion on the issues.
7.2.2 INDBANK HOUSING LTD.
The Income Tax Department has sent a demand notice for Rs.4.32 crores for the assessment year 1999-00 including
interest. The demand is raised by considering the income on non-performing assets on accrual basis which, as per
the NHB directives, could not be recognized as income. The subsidiary has contested the demand and led an appeal
before the Honble Madras High Court, and is hopeful of succeeding in the appeal and hence no provision for tax has
been considered necessary. The Income Tax Department has informed the above demand has been adjusted against
the refund receivable with the interest thereon, for various assessment years. The refund receivable as per books of
the subsidiary is Rs.2.79 crores.
8.
CASH FLOW STATEMENT (AS 3)

The Cash Flow statement for the year 2008-09 is annexed separately.
9.
EMPLOYEE BENEFITS (AS 15)

PARENT
9.1
Provision has been made for employee benets viz. pension, gratuity, leave encashment etc. as per the Actuarial
valuation as on 31.03.09 and in accordance with the Revised AS 15. In addition, a sum of Rs. 92 crore has been
charged to Prot & Loss Account being 1/5th of the transitional liability of Rs.460 crore ascertained in accordance with
the Revised AS 15 on Employee Benets notied by the Institute of Chartered Accountants of India. The amount of
unrecognised transitional liability to be charged to Prot & Loss Account in the remaining three years is Rs.276 crore
SUBSIDIARY COMPANIES :
9.2.1 INDBANK MERCHANT BANKING SERVICES LTD.
The Subsidiary Company has adopted AS-15 (revised 2005) on employee benets effective from 1.4.2007. However
there is no transitional impact.
Dened Contribution Plan
Contribution to Dened Contribution Plan, recognized as expense for the year are as under:
(Rs. in Lakhs)
Details
Employers contribution to Provident Fund
Employees Deposit Linked Insurance Scheme contribution to LIC
2008-09
2007-08
17.47
11.25
0.21
0.15
143
ifjHkkfkr ykHk ;kstuk

I
ifjHkkfkr ykHk ck/;rk ds vFkksk o bfrksk dk ys[kk lek/kku
(#- yk[kksa esa)
fooj.k
xzsP;qfV
fuf/kd
2008-09
2007-08
2008-09
2007-08
26.81
22.26
17.80
15.15
orZeku lsok ykxr
3.82
2.41
3.33
1.44
C;kt ykxr
1.90
1.58
1.07
1.14
chekafdd ykHk@gkfu
2.57
3.03
5.05
0.08
iznRr ykHk
2.91
2.43
0.00
0.00
0.00
0.00
32.23
26.84
27.25
17.80
o"kZ ds vkjaHk esa ifjHkkf"kr ykHk ck/;rk
fuiVku ykxr
o"kZ ds var esa ifjHkkf"kr ykHk ck/;rk
II
NqV~Vh HkqukbZ
x+Sj&fuf/kd
;kstuk vkfLr;ksa ds vFkksk o bfrksk ds mfpr ewY; dk ys[kk lek/kku
(#- yk[kksa esa)
fooj.k
xzsP;qfV
fuf/kd
2008-09
2007-08
28.76
19.99
;kstuk vkfLr;ksa Ikj izR;kfkr izfrQy
2.15
1.76
chekafdd ykHk@gkfu
0.36
0.16
iznRr ykHk
2.91
2.43
30.96
28.76
2.51
1.92
o"kZ ds vkjaHk esa ;kstuk vkfLr;ksa dk mfpr ewY;
fuiVku ykxr
o"kZ ds var esa ;kstuk vkfLr;ksa dk mfpr ewY;
;kstuk vkfLr;ksa ij okLrfod izfrQy
III
vkfLr;ksa o ck/;rkvksa ds mfpr ewY; dk ys[kk lek/kku
(#- yk[kksa esa)
fooj.k
xzsP;qfV
fuf/kd
2008-09
2007-08
2007-08
30.96
28.76
27.25
17.80
ck/;rk dk orZeku ewY;
32.23
26.84
17.80
15.15
1.27
-1.92
9.45
2.55
okZ ds nkSjku vfHkKkr O;;
(#- yk[kksa esa)
fooj.k
xzsP;qfV
fuf/kd
2008-09
144
2008-09
;kstuk vkfLr;ksa dk mfpr ewY;
rqyu&i= esa vfHkKkr jkf'k

IV
NqV~Vh HkqukbZ
x+Sj&fuf/kd
NqV~Vh HkqukbZ
x+Sj&fuf/kd
2007-08
2008-09
2007-08
orZeku lsok ykxr
3.82
2.41
3.33
1.44
C;kt ykxr
1.90
1.58
1.07
1.14
;kstuk vkfLr;ksa ij izR;kf'kr izfrQy
2.15
1.76
chekafdd ykHk@gkfu
2.21
2.86
5.05
0.08
fuoy ykxr
5.79
5.09
9.45
2.65
Dened Benet Plan

I
Reconciliation of opening and closing balances of Dened benet obligation

Details
Gratuity
(Funded)
Leave Encashment
(Unfunded)
2008-09
2007-08
2008-09
2007-08
26.81
22.26
17.80
15.15
3.82
2.41
3.33
1.44
Interest cost
1.90
1.58
1.07
1.14
Dened benet obligation at the beginning of the year
Actuarial (gain)/ loss
2.57
3.03
5.05
0.08
Benets paid
2.91
2.43
0.00
0.00
0.00
0.00
32.23
26.84
27.25
17.80
Settlement cost
Dened benet obligation at the year end
II
(Rs. in lakhs)
Reconciliation of opening and closing balances of fair value of plan assets
(Rs. in lakhs)
Details
Gratuity
(Funded)
Fair value of plan assets at the beginning of the year
28.76
19.99
2.15
1.76
0.36
0.16
Benets paid
2.91
2.43
30.96
28.76
2.51
1.92
Fair value of plan assets at year end

Reconciliation of fair value of assets and obligations
(Rs. in lakhs)
Details
Gratuity
(Funded)
2008-09
Leave Encashment
(Unfunded)
2007-08
2008-09
2007-08
30.96
28.76
27.25
17.80
Present value of obligation
32.23
26.84
17.80
15.15
1.27
-1.92
9.45
2.55
Amount recognized in Balance Sheet

IV
2007-08
Settlement cost
III
2008-09
Expense recognized during the year

Details
(Rs. in lakhs)
Gratuity
(Funded)
2008-09
Leave Encashment
(Unfunded)
2007-08
2008-09
2007-08
Current Service Cost
3.82
2.41
3.33
1.44
Interest Cost
1.90
1.58
1.07
1.14
2.15
1.76
2.21
2.86
5.05
0.08
Net Cost
5.79
5.09
9.45
2.65
145
chekafdd iwokZuqeku
fooj.k
ekVkZfyfV Vscy ,yvkbZlh
xzsP;qfV
fuf/kd
NqV~Vh HkqukbZ
x+Sj&fuf/kd
2008-09
2007-08
2008-09
2007-08
1994-96
vafre
1994-96
vafre
1994-96
vafre
1994-96
vafre
cV~Vk nj izfr o"kZ
8%
7.50%
6%
7.50%
izR;kf{kr izfrQy nj izfr o"kZ
8%
8%
--
--
osru o`f) nj izfr o"kZ
6%
3.50%
5%
4%
1% go 3%
1% go 3%
1% go 3%
1% go 3%
vV~fj'ku nj
chekafdd ewY;kadu esa fopkj fd, x, osru esa o`f) ds vuqeku esa eqnzkLQ+hfr] ofjBrk] inksUufr ,oa jkst+xkj ckt+kj esa vkiwfrZ o ekax lfgr
vU; lacaf/kr la?kVdksa dks /;ku esa fy;k tkrk gSA izfrQy dh izR;kfkr nj dk fu/kkZj.k dbZ iz;ksT; la?kVdksa ij fopkj djds fd;k tkrk
gS] izeq[r% /kkfjr ;kstuk vkfLr;ksa dk la?kVu] ewY;kafdr tksf[keksa] ;kstuk vkfLr;ksa ds izfrQy ds ,sfrgkfld ifj.kke vkSj ;kstuk vkfLr
izca/ku ds fy, daiuh dh uhfrA ewy laLFkk ls izfrfu;qDr LVkQ+ ds laca/k esa lsokfuo`fRr ykHk ns;rk ewy laLFkk }kjk ogu dh tkrh gSA
;g vuqeku gS fd okZ 2009&10 esa daiuh minku ns;rk ds izfr ikap yk[k #i;s dk vaknku djsxhA
9.3.
BS>~H$ hmCqgJ {b{_Qo>S>-
9.3.1
AZwfJr H$nZr Zo 01.04.2007 go H$_Mmar bm^ na EEg 15 (gemo{YV 2005) AnZm {b`m h& VWm{n, H$moB gH$_UH$mbrZ n^md Zht h&
9.3.2
Jo`w{Q> {Z{Y (n[a^m{fV bm^ `moOZm) H$s Amoa AZwfJr ~m`Vm Ed ~r_m{H$H$ _y`mH$Z H$m {ddaU {ZZdV h
( bmI _|)
i) Hw$b {dJV godm Jo`w{Q>
ii) ~r_m{H$H$ _y` {dJV godm Jo`w{Q>
iii) EbAmBgr Ho$ nmg {Z{Y
iv) EbAmBgr H$mo Xo` AeXmZ
v) df Ho$ XmamZ nXV AeXmZ
vi) eof Xo`
vii) Omo{I_ nr{_`_ Ed iznRr godm H$a
viii) nydmZw_mZ
7.27
7.27
6.81
0.46
0.46
ewU;
0.03
~Q>Q>m Xa
8.00 n{VeV n{Vdf MH$d{
dooVZ d{ H$m AZw_mZ
8.00 n{VeV n{Vdf MH$d{
Jo`w{Q> Ho$ {bE ~m`VmAm| H$m {ZYr`Z df g_m{ go nyd ~r_m{H$H$ _y`mH$Z Ho$ AmYma na nyUV {H$`m OmVm h& AV df Ho$ Ama^ _| Ed AV XmoZm| _| H$moB
~H$m`m Zhr h&
10
IS> [anmoqQ>J (EEg 17)

boIm nUmbr _mZH$m| na ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma _yb gWm Ho$ n[aMmbZm| H$mo nmW{_H$ IS> `Wm H$mamo~ma IS> {Og_|o amOH$mof,
cSafdax Ed A` ~qH$J n[aMmbZ VWm {Vr` IS> Omo{H$ ^mJmo{bH$ IS> h {Og_| Xoer Ed AVam>r`, Ho$ $n _|
dJuH$V {H$`m h & AZwf{J`m| Ho$ n[aMmbZm| H$mo H$mamo~ma IS> _| A` ~qH$J n[aMmbZ VWm ^mJmo{bH$ IS> _| Xoer Ho$ VhV dJuH$V {H$`m h&
H$mnmoaoQ>/WmoH$ ~qH$J, [kqnjk
146
Actuarial assumptions
Details
Mortality Table (LIC)
Gratuity
(Funded)
Leave Encashment
(Unfunded)
2008-09
2007-08
2008-09
2007-08
1994-96
(Ultimate)
1994-96
(Ultimate)
1994-96
(Ultimate)
1994-96
(Ultimate)
Discount rate (per annum)
8%
7.50%
6%
7.50%
Expected rate of return (per annum)
8%
8%
--
--
Rate of escalation of salary (per annum)
6%
3.50%
5%
4%
1% to 3%
1% to 3%
1% to 3%
1% to 3%
Attrition Rate
The estimates of rate of escalation in salary considered in actuarial valuation, take into account ination, seniority,
promotion and other relevant factors including supply and demand in the employment market. The expected rate
of return is determined considering several applicable factors, mainly the composition of plan assets held, assessed
risks, historical results of return on plan assets and the companys policy for plan assets management. The retirement
benet liability in respect of staff on deputation from Parent is borne by the Parent.
The company is expected to contribute Rupees ve lakhs (approximately) towards Gratuity liability in the year
2009-10.
9.3
INDBANK HOUSING LTD.
9.3.1 The Subsidiary Company has adopted AS-15 (revised 2005) on employee benets effective from 1.4.2007. However
there is no transitional impact.
9.3.2 Subsidiarys obligation towards Gratuity fund (Dened Benet Plan) and details of actuarial valuation are as below:
i)
ii)
iii)
iv)
v)
vi)
Total past service gratuity

Actuarial value past service gratuity
Fund available with LIC
Contribution Payable to LIC
Contribution paid during the year
Balance payable
vii) Risk premium and service tax paid

viii) AssumptionsDiscounting rate
Projection of salary increase
(Rs. in Lakhs)
7.27
7.27
6.81
0.46
0.46
Nil
0.03
8.00% p.a. Compound
8.00 % p.a. Compound
The obligations towards gratuity are fully funded before the year-end based on the actuarial valuation. Hence there is
no outstanding liability both at the beginning and at the end of the year.
10.
SEGMENT REPORTING (AS 17)

As per the Reserve Bank of India guidelines on Accounting Standards, the Parents operations are classied into
Primary segment i.e. the business segment comprising of Treasury, Corporate / Wholesale Banking, Retail Banking
and Other Banking Operations and Secondary segment being the geographical segment comprising of Domestic
and International. The operations of the Subsidiaries are classied under Other banking Operations in Business
segment and under Domestic in Geographic segment.
147
^mJ A H$mamo~ma IS>
(. H$amoS> _|)
fooj.k
ewy laLFkk
dks lekIr okZ
dks lekIr frekgh

31.03.09
lesfdr
31.03.08
31.03.09
dks lekIr okZ
31.03.08
31.03.09
31.03.08
Hkkx & , dkjksckj [k.M

1- [k.Mh; jktLo
, jktdks"kh; ifjpkyu
537.70
437.26
1949.29
1893.20
1949.29
1893.20
ch dkiksZjsV cSafdax
670.97
580.72
2435.98
2029.81
2435.98
2029.81
lh [kqnjk cSafdax
817.77
585.32
3063.72
2047.55
3063.72
2047.55
122.04
69.55
416.78
248.11
436.93
297.89
2148.48
1672.85
7865.77
6218.67
7885.92
6268.45
0.00
0.00
0.00
0.00
0.00
0.00
2148.48
1672.85
7865.77
6218.67
7885.92
6268.45
73.08
38.79
262.42
312.59
262.42
312.59
129.43
207.85
373.93
554.67
373.93
554.67
lh [kqnjk cSafdax
316.78
216.84
1210.16
584.00
1210.16
584.00
Mh vU; cSafdax ifjpkyu
116.43
59.48
382.32
208.04
400.87
255.18
635.72
522.96
2228.83
1659.30
2247.38
1706.44
0.00
0.00
0.00
0.00
0.00
0.00
24.32
178.20
443.24
424.32
445.54
421.95

dqy
?kVk,a % varj [k.Mh; jktLo
fuoy fch @ ifjpkyuksa ls vk;
2- [k.Mh; ifj.kke ykHk
, jktdkskh; ifjpkyu
dqy
?kVk,a % 1 C;kt
2 vU; xSj&vkcaVuh; O;;
0.00
0.00
0.00
0.00
0.00
0.00
dj ds iwoZ dqy ykHk
611.40
344.76
1785.59
1234.98
1801.84
1284.49
vk;dj
217.32
103.09
540.27
226.24
549.23
234.73
dj ds ckn fuoy ykHk
394.08
241.67
1245.32
1008.74
1252.61
1049.76
, jktdkskh; ifjpkyu
29484.39
28687.87
29484.39
28687.87
29484.39
28687.87
29224.75
21112.45
29224.75
21112.45
29224.75
21112.45
lh [kqnjk cSafdax
25113.12
20158.59
25113.12
20158.59
25113.12
20158.59
299.48
548.78
299.48
548.78
419.72
644.21
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
0.00
0.00
0.00
0.00
0.00
0.00
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
, jktdks"kh; ifjpkyu
26983.27
26588.19
26983.27
26588.19
26983.27
26588.19
26745.66
19567.23
26745.66
19567.23
26745.66
19567.23
lh [kqnjk cSafdax
22982.81
18683.17
22982.81
18683.17
22982.81
18683.17
274.09
508.60
274.09
508.60
246.38
493.38
76985.83
65347.19
76985.83
65347.19
76958.12
65331.97
7135.91
5160.50
7135.91
5160.50
7283.86
5271.15
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
3 xSj&vkcaVuh; vk;
3- [k.Mh; vkfLr;ka

dqy
xSj&vkcaVuh; vkfLr;ka
dqy vkfLr;ka
4- [k.M ns;rk,a

dqy
xSj&vkcaVuh; ns;rk,a
dqy ns;rk,a
148
Part A: Business Segments
(Rs.in crore)
Particulars
PARENT
Quarter ended
31.03.09
CONSOLIDATED
Year ended
31.03.08
31.03.09
Year ended
31.03.08
31.03.09
31.03.08
Part A. Business Segments

I. Segment Revenue
537.70
437.26
1949.29
1893.20
1949.29
1893.20
670.97
580.72
2435.98
2029.81
2435.98
2029.81
(c) Retail Banking
817.77
585.32
3063.72
2047.55
3063.72
2047.55
122.04
69.55
416.78
248.11
436.93
297.89
2148.48
1672.85
7865.77
6218.67
7885.92
6268.45
0.00
0.00
0.00
0.00
0.00
0.00
2148.48
1672.85
7865.77
6218.67
7885.92
6268.45
73.08
38.79
262.42
312.59
262.42
312.59
129.43
207.85
373.93
554.67
373.93
554.67
(c) Retail Banking
316.78
216.84
1210.16
584.00
1210.16
584.00
Total
Less: Inter Segment Revenue
Net Sales/Income from operations
2. Segment Results (Prot)

Total
Less: (I) Interest
(ii) Other Un-allocable Expenditure
(iii) Un-allocable income
116.43
59.48
382.32
208.04
400.87
255.18
635.72
522.96
2228.83
1659.30
2247.38
1706.44
0.00
0.00
0.00
0.00
0.00
0.00
24.32
178.20
443.24
424.32
445.54
421.95
0.00
0.00
0.00
0.00
0.00
0.00
Total Prot Before Tax
611.40
344.76
1785.59
1234.98
1801.84
1284.49
Income Tax
217.32
103.09
540.27
226.24
549.23
234.73
Net Prot after Tax
394.08
241.67
1245.32
1008.74
1252.61
1049.76
3. Segment assets
29484.39
28687.87
29484.39
28687.87
29484.39
28687.87
29224.75
21112.45
29224.75
21112.45
29224.75
21112.45
(c) Retail Banking
25113.12
20158.59
25113.12
20158.59
25113.12
20158.59
299.48
548.78
299.48
548.78
419.72
644.21
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12

Total
Unallocated assets
0.00
0.00
0.00
0.00
0.00
0.00
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
26983.27
26588.19
26983.27
26588.19
26983.27
26588.19
26745.66
19567.23
26745.66
19567.23
26745.66
19567.23
(c) Retail Banking
22982.81
18683.17
22982.81
18683.17
22982.81
18683.17
274.09
508.60
274.09
508.60
246.38
493.38
76985.83
65347.19
76985.83
65347.19
76958.12
65331.97
7135.91
5160.50
7135.91
5160.50
7283.86
5271.15
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
Total Assets
4. Segment liabilities

Total
Unallocated liabilities
Total liabilities
149
fooj.k
ewy laLFkk
dks lekIr okZ
dks lekIr frekgh

31.03.09
lesfdr
31.03.08
31.03.09
dks lekIr okZ
31.03.08
31.03.09
31.03.08
Hkkx & ch HkkSxksfyd [k.M

I jktLo
d nskh; ifjpkyu
2093.59
1638.47
7665.87
6072.30
7686.02
6122.08
[k fonskh ifjpkyu
54.89
34.38
199.90
146.37
199.90
146.37
2148.48
1672.85
7865.77
6218.67
7885.92
6268.45
80136.45
67571.27
80136.45
67571.27
80256.69
67666.70
dqy
I I vkfLr;ka
d nskh; ifjpkyu
[k fonskh ifjpkyu
dqy
3985.29
2936.42
3985.29
2936.42
3985.29
2936.42
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
uksV % [kaMh; O;;ksa dk vkoaVu [kaMh; vfrL;ksa ds vk/kkj ij fd;k tkrk gSA
11.
g~{YV nmQ>u nH$Q>rH$aU (EEg 18)
11.1
_yb gWm
_w` n~YH$s` H$m{_H$
Jh ,e ,l lqUnj jktu] v/;{k ,oa izca/k funs'kd 01-04-08 ls 31-03-09
Jh , lqczef.k;u] dk;Zikyd funs'kd 01-04-08 ls 31-03-09
Jh vuwi 'kadj HkV~Vkpk;Z] dk;Zikyd funs'kd 15-10-08 ls 31-03-09
g~{YV nmQ>u boZXoZ {ZZ{b{IV h

H$. n_wI n~YH$s` H$m{_H$ H$mo df Ho$ XmamZ nò 33.41 bmI ( {nN>bm df nò 27.10 bmI) nm[al{_H$ H$m ^wJVmZ {H$`m J`m
11.2 AZwfJr H$nZr
BS>~H$ _M|Q> ~qH$J g{dgoO {b.
_w` n~YH$s` H$m{_H$
Jh ,l v..kknqjS & v/;{k ,oa iw.kZdkyhu funskd 01-04-08 ls 21-10-08
Jh ih ,u iVsy & v/;{k ,oa iw.kZdkyhu funskd 21-10-08 ls 31-03-09
g~{YV nmQ>r boZXoZ {ZZ{b{IV h
_w` n~YH$s` H$m{_H$ H$mo df Ho$ XmamZ .5.59 bmI (JV df .5.71 bmI) Ho$ nm[al{_H$ H$m ^wJVmZ {H$`m J`m &
BS>~H$ hmCqgJ {b.
_w` n~YH$s` H$m{_H$
Jh ,l v..kknqjS & izca/k funskd 01-04-08 ls 21-10-08
Jh ih ,u iVsy & izca/k funskd 21-10-08 ls 31-03-09
g~{YV nmQ>r boZXoZ {ZZ{b{IV h

_w` n~YH$s` H$m{_H$ H$mo df Ho$ XmamZ - ey` (JV df ey`) Ho$ nm[al{_H$ H$m ^wJVmZ {H$`m J`m &
baMQaM eSustesaV fyeq[; izca/kdh; dkfeZd %
Jh ,e lofjeqRrq & izca/k funskd
lacaf/kr ikVhZ ysunsu fuEufyf[kr gS %
eq[; izca/kdh; dkfeZd dks okZ ds nkSjku #-2-40 yk[k xr okZ #-2-40 yk[k ds ikfjJfed dk Hkqxrku fd;k x;k A
150
Particulars
PARENT
Quarter ended
31.03.09
CONSOLIDATED
Year ended
31.03.08
31.03.09
Year ended
31.03.08
31.03.09
31.03.08
Part B. Geographic Segments

I. Revenue
2093.59
Total
1638.47
7665.87
6072.30
7686.02
6122.08
54.89
34.38
199.90
146.37
199.90
146.37
2148.48
1672.85
7865.77
6218.67
7885.92
6268.45
80136.45
67571.27
80136.45
67571.27
80256.69
67666.70
II. Assets
Total
3985.29
2936.42
3985.29
2936.42
3985.29
2936.42
84121.74
70507.69
84121.74
70507.69
84241.98
70603.12
Note: Allocation of segmental expenses is done based on the segmental assets.
11.
RELATED PARTY DISCLOSURES (AS 18)
11.1
PARENT
Shri. M S Sundara Rajan, CMD (01.04.08 to 31.03.09)
Shri. A Subramanian, ED (01.04.08 to 31.03.09)
Shri. Anup Sankar Bhattacharya, ED (15.10.08 to 31.03.09)
Related Party transactions are as under :
Remuneration paid to Key Managerial Personnel - Rs. 33.41 lakhs (Previous year Rs. 27.10 lakhs)
11.2
SUBSIDIARY COMPANY :
INDBANK MERCHANT BANKING SERVICES LTD.
Shri. S Annadurai - President & Whole Time Director (01.04.08 to 21.10.08)
Shri. P N Patel President & Whole Time Director (21.10.08 to 31.03.09 )
Remuneration paid to Key Managerial Personnel - Rs.5.59 lakhs (Previous year Rs.5.71 lakhs)
Shri. S Annadurai Managing Director (01.04.08 to 21.10.08)
Shri. P N Patel - Managing Director (21.10.08 to 31.03.09)
Remuneration paid to Key Managerial Personnel - Nil (Previous year Nil)
INDFUND MANAGEMENT LTD.
Mr. M Savarimuthu - Managing Director
Remuneration paid to Key Managerial Personnel - Rs.2.40 lakhs (Previous year Rs. 2.40 lakhs)
151
11.3
A` g~{YV nm{Q>`m jkT; gaH$ma {Z`{V C_ h Ama Bg H$maU EEg-18 Ho$ namJm\$ 9 Ho$ AZwgma H$moB nH$Q>rH$aU Ano{jV Zht h& AmJo, EEg-18 Ho$ namJm\$
5 Ho$ AZwgma ~H$a, JmhH$ g~Y Ho$ d$n Ho$ boZXoZm| H$mo nH$Q> H$aZm Ano{jV Zht h&
12- iV~Vs ,,l 19

12-1- ewy laLFkk
iV~Vs @ fdjk;k vk/kkj ij yh xbZ laifRr;ka ewy laLFkk ds fodYi ij uohdj.kh; ;ksX; @ jn~~n djus ;ksX; gSA vfrfjDr fdjk;k @
iV~Vk fdjk;k ls lacaf/kr fooknksa ds laca/k esa ewy laLFkk dh ns;rkvksa dk vfHkKku fuiVku@uohdj.k ij fd;k tkrk gSA
12-2- vuqkaxh daiuh
baMcSad epsaZV cSafdax lfoZlst fybl vuqkaxh ds ikl dk;kZy; ifjlj ds fy, ifjpkyuxr iV~Vs gSA okZ ds var esa xSj&jn~~n djus ;ksX; ifjpkyu iV~Vksa ds rgr
bmIk| _|
visf{kr Hkkoh U;wure Hkqxrku fuEu izdkj gSA
H$mo 31.03.2009
H$mo 31.03.2008
o"kZ ds fy, iV~Vk Hkqxrku
52.71
28.43
U;wure iV~Vk Hkqxrku ,d lky ls vf/kd ughas
67.14
23.30
205.48
62.24
17.39
1.62
,d lky ds ckn ijarq ikap lky ls de

ikap lky ds ckn
iV~Vk djkjksa esa xSj jn~~n djus ;ksX; vof/k ds ckn iV~Vk vof/k dk uohdj.k djus ds fy, daiuh dks fodYi dk izko/kku gSA iV~Vk
djkjksa esa dksbZ vkiokfnd @ izfrca/kkRed krZ ugha gSA
13- vk; ij djksa ds fy, ys[kkadu ,,l 22

13-1- ewy laLFkk
13-1-1 MhVh,vkLFkfxr dj vkfLr;ka @ MhVh,yvkLFkfxr dj ns;rka fuEuizdkj gS%
(#-djksM+ksa esa)
S>rQ>rE/S>rQ>rEb gKQ>H$
gKQ>H$
AmW{JV H$a AmpV`m
1. AJmZrV hm{Z*
2. ^wJVmZ/{H$Q>mbmBOoeZ na AZw_V Xo`Vm nmdYmZ
3. ^mdr {ZYmaU _| AZw_V ``
4. Q>m\$ H$`mU ``
Hw$b S>rQ>rE
AmW{JV H$a Xo`VmE
1. Wm`r Am{V`m na _y`hmg
2. gaH$mar n{V^y{V`m| na `mO
3. cV~Vs [kkrs esa Mkys x, [kkrksa ds
{bE nmdYmZ
Hw$b-S>rQ>rEb
{Zdb S>rQ>rE/ S>rQ>rEb
* nk;j dh xbZ vk; foojf.k;ksa dks /;ku esa ysrs gq, vkSj dqN vuqdwy U;kf;d fu.kZ;ksa ij fookl djrs gq,A
152
31.03.2009
31.03.2008
0.00
521.86
104.09
69.35
3.14
5.49
1.69
0.84
108.92
597.54
39.57
57.78
143.87
154.65
169.49
134.72
352.93
347.15
(244.01)
250.39
11.3
12.
12.1
Other related parties are State controlled Enterprises and hence no disclosures are required as per paragraph 9 of
AS-18. Further, in terms of paragraph 5 of AS-18, transactions in the nature of banker-customer relationship are not
required to be disclosed.
Leases (AS 19)

PARENT
The properties taken on lease/ rental basis are renewable/ cancelable at the option of the Parent. The Parents
liabilities in respect of disputes pertaining to additional rent/ lease rent are recognized on settlement or on renewal.
12.2
SUBSIDIARY COMPANY:
The subsidiary has operating leases for ofce premises. The future minimum payments required under
non-cancelable operating leases at year-end are as follows:
( Rs. in lakhs )
As on
31.03.2009
As on
31.03.2008
Lease payments for the year
52.71
28.43
Minimum Lease payments: Not later than one year
67.14
23.30
205.48
62.24
17.39
1.62
Later than one year but not later than ve years

Later than ve years
The lease agreements provide for option to the company to renew the lease period after the non-cancelable period.
There are no exceptional/restrictive covenants in the lease agreements.
13.
ACCOUNTING FOR TAXES ON INCOME (AS 22)
13.1
PARENT
13.1.1 The major components of DTA (Deferred Tax Assets) / DTL (Deferred Tax Liabilities) are as follows:
DTA / DTL components
(Rs. in Crore)
Components
31.03.2009
31.03.2008
Deferred Tax Assets

1. Brought forward losses*
2. Liabilities provision allowable on payment / crystallization
0.00
521.86
104.09
69.35
3. Expenditure allowable in future assessments
3.14
5.49
4. Staff welfare expenses
1.69
0.84
108.92
597.54
39.57
57.78
TOTAL- DTA
Deferred Tax Liabilities
1. Depreciation on Fixed Assets
2. Interest on Government securities
143.87
154.65
3. Provision for Written-off Accounts
169.49
134.72
TOTAL DTL
352.93
347.15
(244.01)
250.39
NET DTA/ DTL
*having regard to returns of income led and relying on certain favourable judicial pronouncements.
153
13.1.2
`yZV_ dH$pnH$ H$a (E_EQ>r) Ho${S>Q>

df ds nkSjku ewy laLFkk us vk; dj vf/kfu;e 1961 ds vuqlkj U;wure oSdfYid dj,e,Vh ds vuqlj.k esa vk; dj ds fy, izko/kku fd;k
gS] tks mRrjorhZ dfksZa esa mldk lek;kstu djrs gq, dj sfMV ds :i esa miyC/k gSA vkbZlh,vkbZ }kjk tkjh **vk;dj vf/kfu;e 1961 ds
rgr ,e,Vh ds laca/k esa miyC/k sfMV** tksfd pkyw df ds fy, # 151-06 djksM gS] ykHk o gkfu ys[ks esa *izko/kku vkSj vkdfLedrk,* ds
rgr ,e,Vh sfMV gd ys[ks esa sfMV fd;k x;k gSA
13.2
AmZwfJr H$n{Z`m
13.2.1. BS>~H$ _M|Q> ~qH$J g{dgoO {b{_Qo>S>
baM cSad epZsaV cSafdax lfoZlst+ fyfeVsM ds laca/k esa dfZ ds fy, #-6-34 fiNys dfZ #0-01 djksM dh fuoy vkLFkfxr dj fuoy dks ykHk o
gkfu [kkrs dks izHkkfjr fd;k x;k gSA 31-03-2009 rd lafpr vkLFkfxr dj ifjlaifRr fuoy #-11-02 djksM+ fiNys dfZ #-17-36 djksM gSA
lR;kHkklh rF;rk dh vis{kk ij fopkj djrs gq, vxzkuhr ewY;gkl ij fdlh Hkh MhVh, dk vfHkKku ugha fd;k x;k gSA vkLFkfxr dj ifjlaifRr
@ ns;rk ds eq[; la?kVd fuEu izdkj gSaA
AmW{JV H$a (nò yk[kksa _|)

31.03.2009 H$mo
31.03.2008 H$mo
AmpV
Xo`VmE
AmpV
Xo`VmE
535.24
(i) ewY; gkflr vfLr;ksa esa le; dk varj

(ii)
AZdfmo{fV _y`hmg
(iii) Aemo` F$Um| d EZnrE Ho$ {bE nmdYmZ
(iv) A`
dqy
707.94
0.00
1873.70
1620.99
564.76
16.54
5.50
1102.29
1736.02
13-2-2- baMQaM eSustesaV fyvkLFkfxr dj ns;rk fuoy

vkLFkfxr dj vkfLr;ksa @ ns;rkvksa ds vyx vyx vkadMs fuEuizdkj gSa
14.
(nò yk[kksa _|)

As at March
2009
As at March
2008
vkLFkfxr dj ns;rk dj cgh ,oa foRRkh; cgh ds vuqlkj vpy vfLr;ksa ds Cykd esa ewY;gkl ds varj
ds dkj.k le; varj
0.24
ewU;
ldy vkLFkfxr dj ns;rk,a ,
0.24
vkLFkfxr dj vkfLr;ksa ch
e w U;
vkLFkfxr dj ns;rk,a fuoy , & ch
0.24
ewU;
ewU;
ewU;
EEg 24 Ho$ AVJV nH$Q>rH$aU AnojmE - ~X n[aMmbZ

AmZwf{JH$ gWm BS> ~H$ _M|Q> ~qH$J godmE {b{_Qo>S> Zo {Xg~a 1997 go bmJy hE go~r {d{Z`_Z Ho$ \$bd$n {Z{Y AmYm[aV {H$`mH$bmnm| H$mo ~X {H$`m Wm Ama Ho$db
kwH$ AmYm[aV {H$`mH$bmnm| H$mo boZo H$m {ZU` {b`m Wm& {Xg~a 1997 VH$ {d_mZ {Z{Y AmYm[aV EnmoOa CZH$s g{dXmH$V Ad{Y g_m hmoZo VH$ Omar aIo JE h&
Omo{H$ Wm`r O_mAm| H$s nwZaXm`Jr Ama Xmdm Z H$s JB Wm`r O_mAm| H$mo O~ H$^r CZH$m Xmdm {H$`m OmVm h, CZH$s nwZaXm`Jr H$aZo Ho$ {bE EH$ am>r`H$V ~H$ _| EH$mo
ImVo _|o AVaU H$aZo Ho$ ~mX H$nZr Zo ^maVr` [aOd ~H$ go EZ~rE\$gr Ho$ $n _| nOrH$aU Ho$ aXX {H$`m OmZo H$s AZw_{V nm H$s h & A~ H$nZr Ho$db go~r {d{Z`_Zm| mam
{Z`{V h&
154
13.1.2 Minimum Alternate Tax (MAT) Credit

During the year the parent has provided for Income Tax in accordance with the Minimum Alternate Tax
(MAT) as per the Income Tax Act, 1961 which is available as Tax credit to be set off in subsequent years. In
accordance with the Guidance Note on Accounting for credits available in respect of MAT under the Income
Tax Act, 1961 issued by the ICAI the MAT credit for the current year amounting to Rs.151.06 crore has been
credited to P&L Account under Provisions and contingencies by debiting MAT credit entitlement Account.
13.2
SUBSIDIARY COMPANY:
13.2.1 INDBANK MERCHANT BANKING SERVICES LTD

In respect of Indbank Merchant Banking Services Ltd., provision for net Deferred Tax (net) for the year is Rs.6.34
crore ( Previous year Rs.0.01 crore) has been charged to prot & loss account. The cumulative Deferred Tax Asset
(net) upto 31.03.2009 is Rs.11.02 crore (Previous year Rs.17.36 crore). No DTA has been recognized on carry forward
depreciation considering requirement of virtual certainty. The major components of deferred tax asset/liability are as
below:
Deferred Tax (Rs in lakhs)
As on 31.3.2009
Asset
i) Timing difference in depreciable assets
ii) Unabsorbed depreciation
iii) Provision for Bad debts and NPAs
iv) Others
Total
As on 31.3.2008
Liability
Asset
535.24
Liability
707.94
0.00
1873.70
1620.99
564.76
16.54
5.50
1102.29
1736.02
13.2.2 INDFUND MANAGEMENT LTD.

Deferred Tax liability (Net)
The Break-up of Deferred Tax Assets/ Liabilities are as under
(Rs. in lakhs)
As at March
2009
As at March
2008
Deferred Tax Liability

Timing difference on account of
Differences in Depreciation
in Block of Fixed Assets as per
Tax book & Financial Book
0.24
Nil
Gross Deferred Tax Liabilities (A)
0.24
Nil
Deferred Tax Assets (B)

Deferred Tax Liabilities (Net)
14.
(AB)
Nil
Nil
0.24
Nil
Disclosure requirements under AS 24 Discontinued operations

The subsidiary Indbank Merchant Banking Services Limited had discontinued fund-based activities consequent
to SEBI regulations coming into force with effect from December 1997 and had decided to undertake only feebased activities. The existing fund based exposures as on December 1997 are continued to run down to their
contracted period. The subsidiary had obtained cancellation of registration as NBFC from RBI consequent to
repayment of xed deposits and transfer of unclaimed xed deposits to an escrow account with a nationalised
bank for repayment as and when claimed.
The Company is now governed only by SEBI regulations.
155
(nò yk[kksa _|)

2008 - 09
fooj.k
gVV n[aMmbZ
-ewH$ AmYm[aV
n[aMmbZm| go Am`
`mO H$m n`mdVZ
Hw$b
``
nemgZ Ama A` ``
_y`hmg
nmdYmZ
Hw$b ``
H$a nyd bm^ /(hm{Z)
`mO
H$a hoVw nmdYmZ- dV_mZ
H$a hoVw nmdYmZ- AmW{JV
H$a hoVw nmdYmZ- E\$~rQ>r
fiNys ofksZ esa cV~Vs [kkrs
esa Mkys x, dj ds fy,
izko/kku
H$a Ho$ ~mX bm^ / (hm{Z)
Hw$b AmpV`m
Hw$b Xo`VmE
n[aMmbZ {H$`mH$bmnm| go
{Zdb ZH$Xr ndmh
{Zdoe {H$`mH$bmnm| go {Zdb
ZH$Xr ndmh
{dVr`Z {H$`mH$bmnm| go
{Zdb ZH$Xr ndmh
156
2007 - 08
~X n[aMmbZ - AZm~{Q>V
{Z{Y AmYm[aV
Hw$b
gVV n[aMmbZ
-ewH$ AmYm[aV
~X n[aMmbZ
{Z{Y AmYm[aV
AZm~{Q>V
Hw$b
445.22
535.70
111.63
1092.55
718.81
4100.98
0.00
4819.79
0.00
0.00
0.00
0.00
8.33
70.71
0.00
79.04
445.22
535.70
111.63
1092.55
727.14
4171.69
0.00
4898.83
264.41
318.15
0.00
582.56
68.37
390.09
0.00
458.46
64.44
62.19
0.00
126.63
20.44
103.18
0.00
123.62
34.38
382.21
0.00
416.59
0.00
0.00
0.00
0.00
363.23
762.55
0.00
1125.78
88.81
493.27
0.00
582.08
81.99
(226.85)
111.63
(33.23)
638.33
3678.42
0.00
4316.75
0.00
0.00
0.00
0.00
0.00
0.00
(506.48)
(506.48)
0.00
0.00
0.00
0.00
0.00
0.00
(351.69)
(351.69)
0.00
0.00
633.74
633.74
0.00
0.00
(1.38)
(1.38)
0.00
0.00
3.69
3.69
0.00
0.00
(2.24)
(2.24)
0.00
0.00
51.95
51.95
0.00
0.00
0.00
0.00
81.99
(226.85)
(577.75)
(722.61)
638.33
3678.42
(861.80)
3454.96
3130.89
1331.86
1837.61
6300.36
2723.03
3038.73
2195.19
7956.95
697.82
0.00
0.00
697.82
837.71
0.00
794.11
1631.82
246.13
109.80
(220.14)
135.79
120.22
(319.20)
(452.50)
(651.48)
(694.65)
1335.27
0.00
640.62
(76.79)
2609.44
0.00
2532.65
0.00
0.00
(778.80)
(778.80)
0.00
0.00
(1789.82)
(1789.82)
(Rs. in Lakhs)
2008-09
Particulars
Continuing
OperationsFee based
Income from Operations

Reversal of Provisions
Total
Discontinued
Operations
Fund based
2007-08
Un-Allocated
Total
Continuing
OperationsFee based
Discontinued
Operations
Fund based
Un-Allocated
Total
445.22
535.70
111.63
1092.55
718.81
4100.98
0.00
4819.79
0.00
0.00
0.00
0.00
8.33
70.71
0.00
79.04
445.22
535.70
111.63
1092.55
727.14
4171.69
0.00
4898.83
264.41
318.15
0.00
582.56
68.37
390.09
0.00
458.46
64.44
62.19
0.00
126.63
20.44
103.18
0.00
123.62
Expenses
Administration & Other exp
Depreciation
Provisions
Total Expenses
Prot/(Loss) before Tax
34.38
382.21
0.00
416.59
0.00
0.00
0.00
0.00
363.23
762.55
0.00
1125.78
88.81
493.27
0.00
582.08
81.99
(226.85)
111.63
(33.23)
638.33
3678.42
0.00
4316.75
Interest
0.00
0.00
0.00
0.00
0.00
0.00
(506.48)
(506.48)
Provision for tax Current
0.00
0.00
0.00
0.00
0.00
0.00
(351.69)
(351.69)
Provision for tax Deferred
0.00
0.00
633.74
633.74
0.00
0.00
(1.38)
(1.38)
Provision for tax FBT
0.00
0.00
3.69
3.69
0.00
0.00
(2.24)
(2.24)
Provision for tax pertaining

to earlier years written off
0.00
0.00
51.95
51.95
0.00
0.00
0.00
0.00
81.99
(226.85)
(577.75)
(722.61)
638.33
3678.42
(861.80)
3454.96
Prot/(Loss) after Tax

Total Assets
3130.89
1331.86
1837.61
6300.36
2723.03
3038.73
2195.19
7956.95
Total liabilities
697.82
0.00
0.00
697.82
837.71
0.00
794.11
1631.82
Net Cash ow from

operating activities
246.13
109.80
(220.14)
135.79
120.22
(319.20)
(452.50)
(651.48)
Net Cash ow from

Investment
activities
(694.65)
1335.27
0.00
640.62
(76.79)
2609.44
0.00
2532.65
Net Cash ow from

nancing activities
0.00
0.00
(778.80)
(778.80)
0.00
0.00
(1789.82)
(1789.82)
157
15-
fofo/k vk; esa ofZ ds nkSjku cV~Vs [kkrs esa Mkys x, [kkrksa esa olwyh xbZ #-183-00 djksM+ dh jkfk kkfey gS fiNyk ofZ #-312-93 djksM
16-
izko/kkuksa ,oa izklafxdrkvksa esa #-173 djksM dh jkfk kkfey gS tks le>kSrs dks vafre :i fn;k tkruk yafcr jgus ds dkj.k izca/ku ds orZeku
fu/kkZj.k ds vk/kkj ij deZpkfj;ksa ds ikfjJfed @ ykHkksa dh cdk;k jkfk ds izfr fd, x, izko/kku gSA ifj.kr opuc)rkvksa dks iwjk djus ds
fy, ofZ esa leqfpr lek;kstu fd, tk,axsA
17-
d`ff _.k ekQ+h vkSj _.k jkgr ;kstuk 2008*

ewy laLFkk %
Hkkjr ljdkj us mu lhekar ,oa y?kq d`fdksa vkSj vU; fdlkuksa dks ftUgksaus izR;{k d`ff _.k fy, gSa dks _.k ekQ+h ds fy, jkgr ;kstuk vf/
klwfpr dh gS ;Fkk **d`ff _.k ekQ+h vkSj _.k jkgr ;kstuk 2008** ;kstukA ;kstuk ds vuqlkj vgZ d`fdksa dks nh x;h] _.k ekQh dks [kkrksa
esa fglkc esa fy;k x;k gS vkSj jkfk;ka ys[kkijh{kdksa }kjks nkoksas ds izek.khdj.k ds v|/khu gSaA
18.
A{V[aV nH$Q>rH$aU
_yb VWm AmZwf{JH$ gWmAm| Ho$ AbJ {dVr` {ddaUm| _| nH$[aV A{V[aV gm{d{YH$ gyMZm {OgH$m g_o{H$V {dVr` {ddaUm| Ho$ ghr Ed C{MV pW{V na H$moB Aga
Zht nS>Vm Ama Eogr _Xm| go g~{YV gyMZm Omo ^m{VH$ Zht h, ^maVr` gZXr boImH$ma gWmZ mam Omar {H$E JE gm_m` n>rH$aU H$s X{> go nH$Q> Zht H$s JB h&
19.
{nN>bo df Ho$ AmH$S>o

{nN>bo df Ho$ AmH$S>m| H$mo Ohm H$ht Amd`H$ hmo Mmby df Ho$ AmH$S>m| H$s nw{> H$aZo hoVw nwZ g_yh~/nwZdJuH$V {H$`m J`m h&
E_ Eg gwXa amOZ
A`j Ed n~Y {ZXoeH$
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
funskd
dqekj lat; d`".kk, gr Ama JmonmbgwXa_, AemoH$ Jwm, Q>r Q>r ZQ>amOZ, S>m Or gwYmH$a amd, lr_Vr gm[a`m ImZ, lh ds jaxukFku, izks- ujsUnz dqekj vxzoky
ys[kk ijh{kd
H$Vo JYr ES> H$.
gZXr boImH$ma
vkj izdkk
lk>snkj
(M.No. 205869)
gZXr boImH$ma
vkj ih vxjoky
lk>snkj
(M.No. 051979)
gZXr boImH$ma
ujsk panz xsYyh oh
lk>snkj
(M.No. 201754)
gZXr boImH$manr.
gZXr boImH$ma
gZXr boImH$ma
/khjt feRry
oh eksgu
,l LokfeukFku
lk>snkj
(M.No. 97289)
lk>snkj
(M.No. 26590)
lk>snkj
(M.No. 23998)
WmZ MoZ
{XZmH$ 19.05.2009
158
15.
Miscellaneous income includes a sum of Rs.183.00 crore being recovery in written-off accounts during the year
(previous year Rs.312.93 crore)
16.
Provisions and Contingencies include a sum of Rs.173 crore being provisions made towards arrears of employees
remuneration/ benets based on current assessment of the management pending nalization of the settlement.
Appropriate adjustments will be carried out in the year of meeting the crystallized commitments.
17.
AGRICULTURAL DEBT WAIVER AND DEBT RELIEF SCHEME 2008:

PARENT :
Government of India has notied Relief Scheme namely Agricultural Debt Waiver and Debt Relief Scheme, 2008
for giving debt waiver to marginal and small farmers and to other farmers who have availed direct agriculture loan.
The agricultural debt waiver given to the eligible farmers as per the Scheme has been given effect to in the accounts
and amounts are subject to certication of claim by the auditors.
18.
ADDITIONAL DISCLOSURES:
Additional Statutory information disclosed in separate nancial statements of the parent and the subsidiaries having
no bearing on the true and fair view of the Consolidated Financial Statements and also the information pertaining
to the items which are not material have not been disclosed in the Consolidated Financial Statement, in view of the
General Clarication issued by the Institute of Chartered Accountants of India (ICAI).
19.
PREVIOUS YEAR FIGURES:

Previous years gures have been regrouped / reclassied, wherever necessary to conform to current years
gures.
M S SUNDARA RAJAN
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
Executive Director
Executive Director
General Manager
DIRECTORS:
KUMAR SANJAY KRISHNA, C R GOPALASUNDARAM, ASHOK GUPTA, T T NATARAJAN, DR G SUDHAKAR RAO, Mrs. SARIA KHAN, C K RANGANATHAN ,
PROF. NARENDRA KUMAR AGRAWAL
AUDITORS:
R. Prakash
Partner
(M.No. 205869)
Dhiraj Mittal
Partner
(M.No. 97289)

R. P. Agarwal
Partner
(M.No. 051979)
V. Mohan
Partner
(M.No. 26590)
For GRANDHY & CO

Partner
(M.No. 201754)
S Swaminathan
Partner
(M.No. 23998)
Place : Chennai
Date 19.05.2009
159
_mM 31, 2009. H$mo g_m df Ho$ {bE g_o{H$V ZH$Xr ndmh {ddaU
(#- H$amoS> _|)
31.03.2009 H$mo g_m df

1252.61
31.03.2008 H$mo g_m df

1049.76
994.77
85.86
(0.08)
2333.16
656.68
107.94
0.52
1814.90
(884.66)
(11622.62)
(132.80)
(12640.08)
(1050.35)
(10814.22)
(23.81)
(11888.38)
11527.15
(752.46)
(83.40)
10691.29
13945.23
(653.21)
(981.02)
12311.00
384.37
2237.52

AMb AmpV`m| H$s IarX
AMb AmpV`m| H$s {~H$s
{Zdooe J{V{d{Y`m| go g{OV Hw$b ZH$Xr
(107.19)
11.93
(95.26)
(97.58)
2.78
(94.80)
{dVnmofU J{V{d{Y`m| go Hw$b ZH$Xr ndmh

bm^me H$m Hkqxrku
bm^me {dVaU H$a H$m Hkqxrku
{dVnmofU J{V{d{Y`m| go g{OV {Zdb ZH$Xr
(321.45)
(54.62)
(376.07)
(160.93)
(27.35)
(188.28)
n[aMmbZJV J{V{d{Y`m| go ZH$Xr

{dVnmofU J{V{d{Y`m| go ZH$Xr ndmh
ZH$Xr Ama ZH$Xr g_H$aUm| _| H$_r/ d{
384.37
(95.26)
(376.07)
(86.96)
2237.52
(94.80)
(188.28)
1954.44
189.51
141.09
6243.46
3588.38
68.93
37.47
1.08
50.83
bm^ d hm{Z boIo Ho$ AZwgma {Zdb bm^

{ZZ{b{IV hooVw g_m`moOZ
nmdYmZ d AmH$p_H$
_y`hmg
AmpV`m| H$s {~H$s na hm{Z
H$mèrb nyOr n[adVZm| Hoo$ nyd n[aMmbZJV bm^
n[aMmbZJV AmpV`m| _| d{ / H$_r
{Zdoem| _| (d{)/ H$_r
A{J_m| _| d{
A` AmpV`m| _| (d{)/ H$_r
n[aMmbZJV Xo`VmAm| _| d{ / H$_r
O_mAm| _| d{
CYmam| _| d{ / (H$_r)
A` Xoo`VmAm| _| d{ / (H$_r)
n[aMmbZm| go g{OV Hw$b ZH$Xr
df Ho$ nma^ _| ZH$Xr d ZH$Xr Vw`

udnh (fonskh eqnzkvksa lfgr)
Hkkjrh; fjtoZ cSad ds lkFk esf&pkyw [kkrs esa
cSad ds lkFk esf
d) pkyw [kkrs esa
[k) vU; [kkrksa\ esa
160
Consolidated Cash Flow Statement for the year ended March 31, 2009
(Rs. in Crore)
Net Prot as per Prot & Loss Account
1252.61

1049.76
Adjustments for :
Provisions & Contingencies
Depreciation
Loss/(prot) on Sale of Assets
Operating Prot before working capital changes
994.77
656.68
85.86
107.94
(0.08)
0.52
2333.16
1814.90
(884.66)
(1050.35)
(11622.62)
(10814.22)
(132.80)
(23.81)
(12640.08)
(11888.38)
11527.15
13945.23
(752.46)
(653.21)
INCREASE/DECREASE IN OPERATING ASSETS

Decrease/(Increase) in Investments
Increase in Advances
Decrease/(Increase) in Other Assets
INCREASE/DECREASE IN OPERATING LIABILITIES
Increase in Deposits
Increase/(Decrease) in Borrowings
Increase/(Decrease) in Other Liabilities
Net cash generated from operations
(83.40)
(981.02)
10691.29
12311.00
384.37
2237.52
(107.19)
(97.58)
CASH FLOW FROM INVESTING ACTIVITIES

Purchase of Fixed Assets
Sale of Fixed Assets
11.93
2.78
(95.26)
(94.80)
(321.45)
(160.93)
(54.62)
(27.35)
(376.07)
(188.28)
Cash from Operating Activities
384.37
2237.52
Cash ow from Investing Activities
(95.26)
(94.80)
Cash ow from Financing Activities
(376.07)
(188.28)
(86.96)
1954.44
Net cash generated from Investing Activities

CASH FLOW FROM FINANCING ACTIVITIES
Payment of Dividend
Payment of Dividend Distribution Tax
Net cash generated from Financing Activities
Increase/Decrease in cash & cash equivalents
161
_mM 31, 2009. H$mo g_m df Ho$ {bE g_o{H$V ZH$Xr ndmh {ddaU
(#- H$amoS> _|)
31.03.2009 H$mo g_m df
31.03.2008 H$mo g_m df
100.00
680.00
105.75
56.28
8.27
246.09
41.91
6773.28
4818.84
df Ho$ var _| ZH$Xr d ZH$Xr Vw`
6686.32
6773.28
udnh (fonskh eqnzk uksV lfgr)

Hkkjrh; fjtoZ cSad ds lkFk esf&pkyw [kkrs esa
cSadksa ds lkFk esf
d) pkyw [kkrksa esa
[k) vU; tek [kkrksa esa
cSad ds lkFk ekax ,oa vYilwpuk ij /ku jkfk
Hkkjr ds ckgj cSad ds lkFk esf
d) pkyw [kkrksa esa
ekax ,oa vYilwpuk ij /ku jkfk
248.04
5963.55
189.51
6243.46
59.68
101.82
50.00
68.93
1.08
100.00
143.46
110.44
9.33
6686.32
105.75
56.28
8.27
6773.28
cSadksa ds lkFk ekax ,oa vYilwpuk ij /ku jkfk

Hkkjr ds ckgj cSadksa ds lkFk esf
d) pkyw [kkrksa esa
ekax ,oa vYilwpuk ij /ku jkfk
E_ Eg gwXa amOZ
A`j Ed n~Y {ZXoeH$
33.07
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
funskd
ys[kk ijh{kd
H$Vo JYr ES> H$.
gZXr boImH$ma
vkj izdkk
lk>snkj
(M.No. 205869)
gZXr boImH$ma
vkj ih vxjoky
lk>snkj
(M.No. 051979)
gZXr boImH$ma
ujsk panz xsYyh oh
lk>snkj
(M.No. 201754)
gZXr boImH$manr.
gZXr boImH$ma
gZXr boImH$ma
/khjt feRry
oh eksgu
,l LokfeukFku
lk>snkj
(M.No. 97289)
lk>snkj
(M.No. 26590)
lk>snkj
(M.No. 23998)
WmZ MoZ
{XZmH$ 19.05.2009
162
Cash & Cash equivalents at the beginning of the year

Balances with Reserve Bank of India - in current Account
Balances with Banks
(a) in current Accounts
189.51
6243.46
141.09
3588.38
68.93
1.08
37.47
50.83
100.00
680.00
105.75
56.28
8.27
246.09
41.91
6773.28
4818.84
Cash & Cash equivalents at the end of the year
6686.32
6773.28

Balances with Reserve Bank of India - in current Account
Balances with Banks
Money at Call and short notice with Banks
Balances with Banks outside India
Money at call and short notice
248.04
5963.55
189.51
6243.46
59.68
101.82
50.00
68.93
1.08
100.00
143.46
110.44
9.33
6686.32
105.75
56.28
8.27
6773.28
Money at Call and short notice with Banks

Balances with Banks outside India
Money at call and short notice
33.07
M S SUNDARA RAJAN
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
Executive Director
Executive Director
General Manager
DIRECTORS:
AUDITORS:
R. Prakash
Partner
(M.No. 205869)
Dhiraj Mittal
Partner
(M.No. 97289)

R. P. Agarwal
Partner
(M.No. 051979)
V. Mohan
Partner
(M.No. 26590)
For GRANDHY & CO

Partner
(M.No. 201754)
S Swaminathan
Partner
(M.No. 23998)
Place : Chennai
Date 19.05.2009
163
AZwgyMr -18
_w` boImH$Z Zr{V`m
(g_o{H$V boIm 2008-09)
1
boImH$Z nWm
{dVr` {ddaU Eo{Vhm{gH$ bmJV nWm na Mmby laLFkk gH$nZm Ho$ AmYma na V`ma {H$E OmVo h VWm ^maVr` emImAm| Ho$ g~Y _| ^maV _| nM{bV gm{d{YH$ nmdYmZm|
Ed n{V`m| Ho$ AZw$n h VWm {dXoer emImAm| Ho$ g~Y _| A`Wm Z ~Vmò OmZo na lacfa /kr nskksa _| nM{bV gm{d{YH$ nmdYmZm| Ed n{V`m| Ho$ AZw$n h &
g_oH$Z H$s n{H$`m
2.1
g_yh H$m (_yb gWm Ed CgH$s AZwf{J`m) g_o{H$V {dVr` {ddaU, B{S>`Z ~H$ (_yb gWm) Ama CgH$s AZwf{J`m, `Wm (1) BS> ~H$ hmCqgJ {b{_Qo>S> (2) BS>
~H$ _M|Q> ~qH$J g{dgoO {b{_Qo>S>, (3) BS> \$S> _oZoO_|Q> {b{_Qo>S> Ho$ boIm nar{jV {dVr` {ddaUm| Ho$ AmYma na, AVa g_yh boZXoZm| H$mo Ed nm Z {H$E JE bm^
/ hm{Z`m| H$mo N>moS>Zo Ho$ ~mX Ama EH$ g_mZ boImH$Z Zr{V Ho$ AZwgma `Wmd`H$ g_m`moOZ H$aZo Ho$ ~mX V`ma {H$ò Jò h & _yb gWm H$s [anmo{Q>J VmarI Ho$ {bE
hr AZwf{J`m| Ho$ {dVr` {ddaU ^r ~ZmE JE h &
2.2
_yb gWm H$mo AmZwf{JH$ gWm _| {Zdoe Ho$ {bE hB bmJV Ama AOZ H$s VmarI H$mo AZwfJr gWm _| _yb gWm H$s B{$Q>r _| AVa H$mo {dVr` {ddaU _| nyOr
[aOd @xqMfoy Ho$ $n _| {b`m OmVm h & AOZ Ho$ ~mX Ho$ bm^ / hm{Z`m| _| _yb gWm Ho$ eoà H$m g_m`moOZ, amOd [aOd Ho$ gmW {H$`m OmVm h &
2.3
n[aMmbZ Ho$ {Zdb n[aUm_ Ama AZwfJr gWm H$s gnpV _| An g`H$ Ho$ hH$ go bm^ Ed {Zdb gmpV`m| H$m dh Ae X`mo{VV h Omo Ang`H$m| H$mo Xo` h &
2.4
,lksfl;sVl esa fuosk dk fglkc ,lksfl;sVl ds ysk[kk ijhf{kr foRrh; fooj.kksa ds vk/kkj ij vkbZlh,vkb }kjk tkjh ys[kkdj.k ekud
(EEg- 23)lkesfdr foRrh; fooj.kksa esa ,lksfl;sVl esa fuosk ds fy, ys[kkadu ds vuqlkj bZfDoVh i)fr ds rgr fd;k tkrk gSA
{dXoer {d{Z_` go g~{YV boZXoZ

gnyU {dXoer n[aMmbZ Ama Ja gnyU {dXoer n[aMmbZ Ho$ d^mddmbo {dXoer _wXm boZXoZm| H$m boImH$Z, ^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) mam Omar
boImH$aU _mZH$-11 (EEg- 11) Ho$ AZwgma {H$`m OmVm h&
3.1
gnyU {dXoer n[aMmbZm| Ho$ _m_bo _| n[adVZ (_yb gWm)
3.1.1
{dXoer _wXm boZXoZ H$aZodmbr ^maVr` emImAm| H$mo gnyU {dXoer n[aMmbZ Ho$ $n _| dJuH$V {H$`m J`m h Ama BZ emImAm| _| {dXoer {d{Z_` boZXoZm| H$mo {dXoer
{d{Z_` S>rba gK (\o$S>m`) mam gy{MV gmm{hH$ AmgV Xa (S>~`yEAma) na [aH$mS> {H$`m OmVm h&
3.1.2
{dXoer _wXm na AmpV`m| Ed Xo`VmAm| H$m n[adVZ, dfm|V na \o$S>m` mam gy{MV g_mnZ Xam| na {H$`m OmVm h&
3.1.3
{dXoer _wXm _| drH${V`m, n>mH$Z Ama A` ~m`VmE Ama Jma{Q>`m| H$mo dfmV na \o$S>m` mam g_mnZ Xam| na aIm OmVm h&
3.1.4
{dVr` df Ho$ AV _| {dXoer _wXm _| aIr J`r AmpV`m| Ed Xo`VmAm| Ho$ {ZnQ>mZ Ed n[adVZ go CR>Zodmbo {d{Z_` AVa H$mo, Cg df _| hr Am` `m `` Ho$ $n _|
nhMmZm OmVm h O~ do CnZ hmoVo h&
3.1.5
~H$m`m dm`Xm {d{Z_` Xam| H$m nH$Q>rH$aU g{dXmJV Xam| go {H$`m OmVm h VWm \o$S>m` Ho$ g_mnZ Xam| na CZH$m nwZ_y`Z {H$`m OmVm h Ed CgHo$ n[aUm_ H$s nhMmZ,
bm^ d hm{Z boIo Ho$ O[aE H$s OmVs h&
3.2
Ja-gnyU {dXoer n[aMmbZ Ho$ g~Y _| n[adVZ (_yb gWm)

{dXoer emImAm| H$m dJuH$aU, Ja gnyU {dXoer n[aMmbZ Ho$ $n _| {H$`m J`m h Ama {dVr` {ddaUm| H$m n[adVZ {ZZdV {H$`m OmVm h
3.2.1
3.2.2
AmH$p_H$ Xo`VmE g{hV AmpV Ed Xo`VmAm| H$m n[adVZ \o$S>m` mam dfm|V na vf/kgy{MV Xam| na {H$`m OmVm h&
Am` Ed `` H$m n[adVZ \o$S>m` mam g~{YV {V_mhr Ho$ AV na vf/kgy{MV {V_mhr AmgV g_mnZ Xa na {H$`m OmVm h&
3.2.3 {Zdb {Zdoem| Ho$ {ZnQ>mZ VH$ CR>Zodmbo g^r {d{Z_` AVa H$mo {d{Z_` CVma-MT>md {Z{Y Zm_H$ nWH$ {Z{Y _| Cn{MV aIm OmVm h&
164
SCHEDULE - 18
SIGNIFICANT ACCOUNTING POLICIES
(Consolidated Accounts 2008-09)
1.
ACCOUNTING CONVENTION
The nancial statements are prepared by following the going concern concept on historical cost convention and
conform to the statutory provisions and practices prevailing in India in respect of Indian branches and in respect of
foreign branches as per statutory provisions and practices prevailing in the respective countries, unless otherwise
stated.
2.
CONSOLIDATION PROCEDURE
2.1
Consolidated nancial statements of the group (parent and its subsidiaries) have been prepared on the basis of
audited nancial statements of Indian Bank (parent) and its subsidiaries viz. (1) Ind Bank Housing Ltd, (2) Indbank
Merchant Banking Services Ltd. (3) Indfund Management Ltd after eliminating intra group transactions and unrealised
prot/losses and making necessary adjustments wherever required to conform to the uniform accounting policies.
The nancial statements of the subsidiaries are drawn up to the same reporting date of the parent.
2.2
The difference between the cost to the parent of its investment in subsidiary entity and the parents portion of its
equity in the subsidiary with reference to the date of acquisition is recognised in the nancial statement as Capital
Reserve/ Goodwill. The parents share of the post acquisition of prots/losses is adjusted against the Revenue
Reserve.
2.3
The minority interests in the net result of the operation and the asset of the subsidiary, represent that part of prot
and the net asset attributable to the minorities.
2.4
Investments in Associates are accounted for under the Equity Method as per Accounting Standard (AS) -23
Accounting for Investments in Associates in Consolidated Financial Statements issued by ICAI based on the
audited Financial Statements of the Associates.
TRANSACTIONS INVOLVING FOREIGN EXCHANGE

Foreign Currency transactions of integral foreign operations and non-integral foreign operations are accounted for
as per Accounting Standard-11 (AS-11) issued by the Institute of Chartered Accountants of India (ICAI).
3.1
Translation in respect of integral foreign operations (PARENT)
3.1.1
Indian branches having foreign currency transactions have been classied as Integral foreign operations and
foreign exchange transactions at these branches have been recorded at the Weekly Average Rate (WAR) notied
by Foreign Exchange Dealers Association of India ( FEDAI).
Foreign currency assets and liabilities are translated at the closing rates notied by FEDAI at the year end.
Acceptances, endorsements and other obligations and guarantees in foreign currency are carried at the closing
rates notied by FEDAI at the year end.
Exchange differences arising on settlement and translation of foreign currency assets and liabilities at the end of
the nancial year are recognized as income or expenses in the period in which they arise.
Outstanding forward exchange contracts are disclosed at the contracted rates, and revalued at FEDAI closing rates,
and the resultant effect is recognized through Prot and Loss account.
3.1.2
3.1.3
3.1.4
3.1.5
3.2
Translation in respect of non-integral foreign operations (PARENT)

Foreign branches are classied as non-integral foreign operations and the nancial statements are translated as
follows:
3.2.1
Assets and liabilities including contingent liabilities are translated at the closing rates notied by FEDAI at the year
end.
Income and expenses are translated at the Quarterly Average Closing rate notied by FEDAI at the end of the
respective quarter.
All resulting exchange differences are accumulated in a separate account Exchange Fluctuation Fund till the
disposal of the net investments.
3.2.2
3.2.3
165
3.3
AZwfJr H$nZr
BS>~H$ _M}Q> ~qH$J g{dgoO {b. {dXoer {d{Z_` boZXoZ {dXoer {d{Z_` _|, Am` Ama `` VWm AmpV d Xo`VmAm| H$m AmH$bZ boZXoZ H$s VmarI na bmJy Xam| na {H$`m OmVm h & {ZnQ>mZ na AWdm
n[adVZ na {d{Z_` AVa Ho$ H$maU {H$gr bm^ AWdm hm{Z H$mo bm^ Ama hm{Z boIo _| {b`m OmVm h &
4.
{Zdoe
4.1. _yb gWm
4.1.1. ~H$ Ho$ {Zdoe g{d^mJ H$mo ^maVr` [aOd ~H$ Ho$ _mJXeu {gmVm| Ho$ AZwgma {ZZ{b{IV VrZ lo{U`m| _| dJuH$V {H$`m OmVm ho -
n[an$Vm Ho$ {bE aIo JE (EMQ>rE_)

{~H$r hoVw CnbY (EE\$Eg)
`mnma Ho$ {bE aIo JE (EME\$Q>r)
n[an$Vm VH$ amoH$ aIZo Ho$ Ame` Ho$ gmW nm H$s JB n{V^y{V`m| H$mo n[an$Vm Ho$ {bE aIr JB loUr Ho$ AVJV dJuH$V {H$`m J`m h & An
Ad{Y Ho$ _y`/`mO Xa _| CVma-MT>md go bm^ CR>mH$a `mnma H$aZo Ho$ Ame` Ho$ gmW nm H$s JB n{V^y{V`m| H$mo `mnma Ho$ {bE aIr JB loUr
Ho$ $n _| dJuH$V {H$`m J`m h& A` g^r n{V^y{V`m Omo Cn`wV XmoZmo lo{U`m| _| Zhr AmVr h, Ch| {~H$s hoVw CnbY loUr _| dJuH$V {H$`m J`m
h & EMQ>rE_ gdJ Ho$ VhV n{V^y{V`m| H$s {~H$s na bm^ H$mo nhbo bm^ Ed hm{Z boIo _| {b`m OmEJm Ama ~mX _| nyOr [aOd ImVo _| {d{Z`moJ {H$`m
OmEJm &
4.1.2 ^maV _| {Zdoe H$m _y`mH$Z ^maVr` [aOd ~H$ Ho$ _mJXeu {gXYmVm| Ho$ AZwgma {ZZ{b{IV vuqlkj fd;k tkrk
h -
(H$) n[an$Vm Ho$ {bE aIr JB loUr _| n{V^y{V`m| H$m _y`mH$Z AOZ H$s bmJV na {H$`m OmVm h, {gdm` CZ _m_bm| _| Ohm A{H$V _y` go AOZ bmJV
A{YH$ hmoVr hmo, VWm Eogo _m_bo _| A{H$V _y` na AOZ bmJV Ho$ Eogo AVa H$mo n[an$Vm H$s ~H$m`m Ad{Y _| n[aemo{YV {H$`m OmVm h& AZwf{J`m|/
g`wV C_m| g{hV {Zdoem| {Oh| EMQ>rE_ gdJ Ho$ AVJV em{_b {H$`m OmVm h, Ho$ _y` _| AWmB nH${V Ho$ Abmdm H$moB ^r H$_r H$mo nhMmZm
OmVm h Ama nmdYmZ {H$`m OmVm h & nòH$ {Zdoe Ho$ {bE d`pVH$ $n go Eogr H$_r H$m {ZYmaU {H$`m OmVm h Ama nmdYmZ {H$`m OmVm h &
(I) {~H$r Ho$ {bE CnbY loUr _| {Zdoem| H$m _y`mH$Z {V_mhr AVambm| na pH$ndma VWm dJuH$aUdma {H$`m OmVm h & `{X H$moB {Zdb _y`hmg
hmo Vmo Cgo bm^-hm{Z boIm _| em{_b {H$`m OmVm h, O~{H$ {H$gr {Zdb _y`d{ Ho$ hmoZo na CgH$s Cnojm H$a Xr OmVr h & ~mOma H$mo _mH$ H$aZo
Ho$ ~mX d`pVH$ n{V^y{V`m| Ho$ ~hr _y` _| H$moB n[adVZ Zht {H$`m OmVm&
(J) oS;fDrd fLdziksa dks _m{gH$ AVambm| na ~mOma dks ekdZ {H$`m OmVm & `{X H$moB {Zdb _y`hmg hmo Vmo Cgo bm^-hm{Z boIo _| em{_b {H$`m
OmVm h, O~{H$ {H$gr {Zdb _y`d{ Ho$ hmoZo na CgH$s Cnojm H$a Xr OmVr h & Bg gdJ H$s d`pVH$ n{V^y{V`m| Ho$ ~hr _y` _| H$moB n[adVZ
Zht {H$`m OmVm&
(K) {~H$r Ho$ {bE CnbY Ama `mnma Ho$ {bE aIr JB lo{U`m| _| aIr JB n{V^y{V`m| H$m _y`mH$Z {ZZdV {H$`m OmVm h
i)
nmB_oar S>rbg Egmo{gEeZ Am\$ B{S>`m (nrS>rEAmB) / {\$S> BH$_ _pZ _mH}$Q> {S>amBdo{Q>g Agmo{gEeZ Am\$ B{S>`m (E\$AmBE_E_S>rE)
Ama by_~J mam Kmo{fV {H$E JE AZwgma Ho$X gaH$ma H$s n{V^y{V`mo H$m _y`mH$Z ~mOma _y` na n[an$Vm na g_w{MV nm{ (dmBQ>rE_) Xam|
go {H$`m OmVm h &
ii)
am` gaH$ma H$s Ama A` AZw_mo{XV n{V^y{`m| H$m _y`mH$Z, dmBQ>rE_ n{V bmJy H$aVo hE Ama nrS>rEAmB / E\$AmBE_E_S>rE, by_~J mam
aIr JB g_Vw` n[an$Vm H$s Ho$X gaH$ma H$s n{V^y{V`m| H$s nm{`m| go 25 _yb q~XwAm| Ho$ D$na aIVo hE, {H$`m OmVm h&
iii)
C[aV {H$E OmZo na B{$Q>r eoàm| H$m _y`mH$Z ~mOma _y` na {H$`m OmVm h& C[aV Z hmoZodmbr B{$Q>r eoàm| H$m _y`mH$Z, H$nZr Ho$ hmb Ho$
VwbZ n ( _y`mH$Z H$s VmarI go EH$ df go A{YH$ nwamZm Z hmo) Ho$ AmYma na ~oH$-An _y` na (nwZ_y`mH$Z [aOd, `{X H$moB hmo, na `mZ
{XE {~Zm) {H$`m OmVm h A`Wm n{V H$nZr EH$ n`m Ho$ AZwgma eoàm| H$m _y`mH$Z {H$`m OmVm h &
iv) C[aV {H$E OmZo na A{Y_m` eoàm| H$m _y`mH$Z ~mOma _y` na A`Wm, g_w{MV dmBQ>rE_ Xam| AWdm nwZnm{ _y` Ho$ AmYma na {ZYm[aV _y`
go H$_Va na {H$`m OmVm h &
166
3.3
Subsidiary Company:
INDBANK MERCHANT BANKING SERVICES LTD:
Foreign Exchange Transactions - Income and expenditure & assets and liabilities in Foreign exchange are accounted
at the rates prevailing as on the date of transaction. Any gain or loss on account of exchange differences either on
settlement or on translation is recognised in the Prot and Loss Account.
4.
INVESTMENTS
4.1
PARENT
4.1.1
The investment portfolio of the Parent is classied in accordance with the RBI guidelines into three categories
viz.,
Held To Maturity (HTM)

Available For Sale (AFS)
Held For Trading (HFT)
The securities acquired with the intention to be held till maturity are classied under HTM category. The securities
acquired with the intention to trade by taking advantage of shortterm price/interest movements are classied as
HFT. All other securities which do not fall under any of the two categories are classied under AFS category. While
prot on sale of securities under HTM category is rst taken to Prot and Loss account and thereafter appropriated
to Capital Reserve account and loss if any is charged to Prot & Loss account.
4.1.2
Investments in India are valued in accordance with RBI guidelines, as under:
a)
Securities in HTM category are valued at acquisition cost except where the acquisition cost is higher than the face
value, in which case, such excess of acquisition cost over the face value is amortised over the remaining period of
maturity. Any diminution, other than temporary, in value of investments in subsidiaries/joint ventures, which are
included under HTM category, is recognized and provided. Such diminution is being determined and provided for
each investment individually.
b)
Investments in AFS category are marked to market, scrip-wise and classication wise, at quarterly intervals. Net
depreciation, if any, is provided for in the Prot and Loss account while net appreciation, if any, is ignored. The book
value of the individual securities does not undergo any change after marking to market.
c)
The individual scrips in the HFT category are marked to market at monthly intervals. Net depreciation, if any, is
provided for in the Prot and Loss account while net appreciation, if any, is ignored. The Book Value of the individual
securities in this category does not undergo any change.
d)
Securities in AFS and HFT categories are valued as under:

i)
Central Government Securities are valued at market price on the basis of appropriate Yield To Maturity (YTM)
rates as announced by Primary Dealers Association of India (PDAI), Fixed Income Money Market and Derivatives
Association of India (FIMMDA) and Bloomberg.
ii)
State Government and Other approved securities are valued applying the YTM method by marking up 25 basis
points above the yields of the Central Government Securities of equivalent maturity put out by PDAI, FIMMDA,
and Bloomberg.
iii)
Equity shares are valued at market price, if quoted. Unquoted equity shares are valued at break-up value
(without considering revaluation reserves if any) as per the companys latest balance sheet (not more than one
year prior to the date of valuation). Otherwise, the shares are valued at Re.1 per company.
iv)
Preference shares are valued at market price, if quoted; otherwise at lower of the value determined based on
the appropriate YTM rates or redemption value.
167
v) A{J_m| Ho$ $n _| ahZodmbo {S>~|Mam| VWm ~mS>m| H$mo N>moS>H$a A` g^r {S>~|Mam| VWm ~mS>m| H$m _y`mH$Z dmBQ>rE_ Ho$ AmYma na {H$`m OmVm h&
vi) amOH$mof {~bm|, O_m n_mUnm| VWm dm{Up`H$ nm| H$m _y`mH$Z CZH$s aImd bmJV na {H$`m OmVm h &
vii) C[aV {H$E OmZo na nmanm[aH$ {Z{Y`m| H$s `y{ZQ>m| H$m _y`mH$Z ~mOma _y` na A`Wm nwZ IarX _y` AWdm {Zdb AmpV _y`(EZEdr) Ho$
H$_Va na {H$`m OmVm h& bmH$ BZ Ad{Y go `wV {Z{Y`m| Ho$ _m_bo _| Ohm nwZ IarX Xa|/~mOma CaU CnbY Zht h, `y{ZQ>m| H$m _y`mH$Z
EZEdr na `m bmH$ BZ Ad{Y Ho$ AV VH$ bmJV na {H$`m OmVm h&
4.1.3
{dXoer emImAm| mam {H$E JE {Zdoem| H$m _y`mH$Z g~{YV Xoem| _| nM{bV n{V Ho$ AZwgma hmoVm h &
4.1.4
Eogo {S>~|Mam| VWm ~mS>m| H$m, {OZ_| `mO / _ybYZ 90 {XZm| go A{YH$ Ad{Y Ho$ {bE ~H$m`m hmo, _y`mH$Z ^maVr` [aOd ~H$ mam {ZYm[aV {ddoH$nyU
_mZXS>m| H$mo bmJy H$aVo hE {H$`m OmVm h&
4.1.5
nykyh@dehku@vaknkuksa ij izkIr izksRlkguksa dks izfrHkwfr;ksa dh ykxr ls de dj fn;k tkrk gSA izfrHkwfr;ksa ds vf/kxzg.k gsrq
iznRr nykyh@dehku@LVkai M~;wVh dks jktLo O;; ekuk tkrk gS A
4.1.6
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma ~Mmd `dWm (hoqOJ) Ho$ {bE `mO Xam| H$s AXbm ~Xbr Ho$ boZXoZm| H$s nmoX^dZ AmYma na JUZm
H$s OmVr h Ama nm{jH$ AVambm| na `mnma g~Yr boZXoZ ~mOma H$mo A{H$V {H$E OmVo h & dqy Losiksa ds mfpr ewY; dk vkdyu] rqyu i=
rkjh[k rd Losi djkjksa dh lekfIr ij izkIr vFkok iznRr@izns; jkfk ds vk/kkj ij fd;k tkrk gS mlls mRiUu gkfu;ksa ] ;fn
gks ] dk iw.kZ izko/kku fd;k tkrk gS tcfd ykHk] ;fn gks ] dks NksM fn;k tkrk gS A Losiksa dh lekfIr ij ykHk o gkfu;ksa dks
vkLFkfxr fd;k tkrk gS vkSj LoSi dh lafonkxr thou vFkok fofufnZV vkfLr vFkok ns;rk dh cdk;k thou tks Hkh de gks]
rd igpkuk tkrk gS A
4.1.7
Ho$Xr` gaH$ma H$s JmaQ>r nm {Zdoem| Ho$ A{VXo` hmoZo na ^r Ch| V^r EZnrE _mZm OmEJm O~ JmaQ>r bmJy H$s OmZo na gaH$ma CgH$m {ZamH$aU H$aVr h &
4.1.8
am` gaH$ma mam n`m^yV n{V^y{V`m| _| {Zdoe Omo{H$ _mZo JE A{J_m| Ho$ $n _| Zht h H$mo AmpV dJuH$aU Ama nmdYmZrH$aU _mZXS>m| Ho$ AYrZ
aIm OmVm h, `{X `mO / _yb {H$V (n[an$Vm gnm{`m| H$mo em{_b H$aVo hE) AWdm ~H$ H$mo Xo` A` H$moB am{e, 90 {XZm| go A{YH$ Ho$ {bE
AXV ~Zr ahVr h&
AZwfJr H$n{Z`m
168
4.2
BS> ~H$ _M|Q> ~qH$J g{dgoO {b{_Qo>S>

H$nZr Ho$ nmg aIo g^r {Zdoe XrKH$m{bH$ {Zdoe h & AWm`r nH${V Ho$ {Zdoem| Ho$ Abmdm XrKH$m{bH$ {Zdoem| H$mo hmg Ho$ {bE nmdYmZ KQ>mH$a, bmJV na
bm`m J`m h & vuqkaxh Zo CV eoàm| Ho$ ~mOma _y` na âmogm H$aVo hE eoàm|/ {S>~oMam| Ho$ _y` _| hmg H$mo Wm`r nH${V Ho$ $n _| _mZm h VWm AZwV
eoàm| Ho$ _m_bo _| ~hr _y` /C{MV _y`, XmoZm| _| Omo ^r A{YH$ hmo, H$mo _mZm J`m h &
4.3

{Zdoem| H$mo Mmby {Zdoem| Ama XrKH$m{bH$ {Zdoem| _| dJuH$V {H$`m J`m h & am>r` Amdmg ~H$ Ho$ dV_mZ {Xem{ZX}em| Ho$ AZwgma {Zdoem| H$m _y`mH$Z nòH$
{Zdoe Ho$ {bE AbJ-AbJ bmJV go H$_Va na AWdm ~mOma _y` na {H$`m J`m h &
4.4
BS>\$S> _oZoO_|Q> {b{_Qo>S>

{Zdoem| H$mo bmJV _| {b`m J`m h VWm Bg_| AmH$p_H$ n^ma, Q>n ewH$ Ama Xbmbr Ohm bmJy hmo, em{_b h & VWm{n aImd bmJV H$s VwbZm _| B{$Q>r
{Zdoe Ho$ ~mOma _y` _| _y`hmg Ho$ {bE 100 n{VeV nmdYmZ {H$`m J`m h &
A{J_
5.1
^maVr` [aOd ~H$ mam Omar {ddoH$nyU _mZXS>m| Ho$ AZw$n,

(i) ^maV _| A{J_m| H$mo CYmaH$Vmdma _mZH$, Ad_mZH$, g{XY VWm hm{Z dmbr AmpV`m| Ho$ $n _| dJuH$V {H$`m OmVm h &
(ii) F$U hm{Z`m| Ho$ {bE nmdYmZ {H$E OmVo h &
(iii) _mZH$ A{J_m| Ho$ {bE gm_m` nmdYmZ {H$ò OmVo h &
5.2
n{V^y{V H$s CnbYVm {Zanoj, S>r 2 gdJ H$s AmpV`m| Ho$ {bE 100 n{VeV nmdYmZ {H$`m OmVm h &
5.3
vkfLr;ksa ds voekud Js.kh ds fy,] izko/kku cdk;k esk ij] ,d leku :i ls 20 izfrkr ij fd;s tkrs gSa
5.4
{dXoer emImAm| Ho$ g~Y _|, Am` {ZYmaU, AmpV dJuH$aU VWm F$U hm{Z`m| Ho$ {bE WmZr` Amd`H$VmAmo AWdm ^maVr` [aOd ~H$ Ho$ {ddoH$nyU _mZXS>,
Omo ^r gV h, Ho$ AZwgma nmdYmZ {H$E OmVo h &
5.5
nH$Q>rH$V A{J_, Jao -{ZnmXH$ AmpV`m|, S>rAmBgrOrgr / BgrOrgr /grOrQ>rEgAmB go nm Xmdm| VWm b{~V g_m`moOZ hoVw aIo, nm ^wJVmZ VWm {d{dY ImVm|
_| aIo, `mO bJmò OmZo `mo` ImVm| _| eof, gh^m{JVm n_mU nm| Ed nwZ H$Q>mV r dmbo _r`mXr {~bm| Ho$ {bE {H$E JE nmdYmZm| H$mo KQ>mZo Ho$ ~mX {Zdb h &
v)
All debentures/bonds, other than those which are in the nature of advances, are valued on the YTM basis.
vi)
Treasury bills, Certicate of deposits and Commercial papers are valued at carrying cost.
vii) Units of Mutual Funds are valued at market price, if quoted; otherwise at lower of repurchase price or Net Asset
Value (NAV). In case of funds with a lock-in period, where repurchase price / market quote is not available, units
are valued at NAV, else valued at cost till the end of the lock-in period.
4.1.3
Investments by Foreign Branches are valued as per the practice prevailing in the respective countries.
4.1.4
Debentures and Bonds, where interest/principal is in arrears for more than 90 days are valued applying the prudential
norms prescribed by RBI.
4.1.5
Brokerages / Commission / incentive received on subscriptions are deducted from the cost of securities. Brokerage
/ Commission / Stamp duty paid in connection with acquisition of securities are treated as revenue expenses.
4.1.6
Interest Rate Swap transactions for hedging are accounted on accrual basis and transactions for trading are marked
to market at fortnightly intervals, in line with the RBI guidelines. The fair value of the total swaps is computed on
the basis of the amount that would be received/ receivable or paid/ payable on termination of the swap agreements
as on the balance sheet date. Losses arising there from, if any, are fully provided for, while the prot, if any, is
ignored. Gains or loss on termination of swaps is deferred and recognised over the shorter period of the remaining
contractual life of the swap or the remaining life of the designated asset or liability.
4.1.7
Investments backed by guarantee of the Central Government though overdue are treated as Non Performing Asset
(NPA) only when the Government repudiates its guarantee when invoked.
4.1.8
Investment in State Government guaranteed securities, which are not in the nature of deemed advances, are
subjected to asset classication and provisioning norms if interest/ installment of principal (including maturity
proceeds) or any other amount due to the Bank remains unpaid for more than 90 days.
SUBSIDIARY COMPANIES:
4.2
5.
INDBANK MERCHANT BANKING SERVICES LTD:

The investments held are all long-term investments. Long term Investments are carried at cost less provision for
diminution, other than temporary in nature. The Subsidiary has reckoned diminution in value of shares / debentures
as permanent in nature by relying on market value of quoted shares and book value/ fair value whichever is higher
in respect of unquoted shares
INDBANK HOUSING LTD:
Investments are classied into current investments and long-term investments. Investments are valued at lower of
cost or market value for each investment individually as per NHB guidelines in force.
INDFUND MANAGEMENT LTD:
Investments are stated at cost including incidental charges, stamp duty and brokerage wherever applicable.
However, 100% provision is made towards depreciation in the market value of the Equity investment as compared
to the holding cost.
ADVANCES
5.1
In accordance with the prudential norms issued by RBI:
4.3
4.4
(i)
advances in India are classied into standard, sub-standard, doubtful and loss assets borrower-wise,
(ii)
provisions are made for loan losses, and
(iii)
general provision is made for standard advances.
5.2
Provisions for D2 category of Assets are made at 100%, irrespective of availability of security.
5.3
Provisions for Substandard category of Assets are made at 20% uniformly, on the balance outstanding.
5.4
In respect of foreign branches, income recognition, asset classication and provisioning for loan losses are
made as per local requirement or as per RBI prudential norms, whichever is more stringent.
5.5
Advances disclosed are net of provisions made for non-performing assets, DICGC/ ECGC/ CGTSI claims
received and held pending adjustment, repayments received and kept in sundries account, balance in interest
realisable account, participation certicates and usance bills rediscounted.
169
AMb AmpV`m/ _y`hmg

6.1
_yb gWm
6.1.1
n[aga VWm A` AMb AmpV`m| H$m {hgm~ CZH$s nanamJV bmJV / nwZ_y`m{H$V am{e Ho$ AmYma na bJm`m J`m h&
6.1.2
^maV _| ^dZ (O_rZ H$s bmJV g{hV Ohm H$ht AbJ Zht {H$`m Om gH$Vm h/ AbJ Zht {H$`m J`m h,) VWm A` AMb AmpV`m| (H$`yQ>a em{_b
Zht ) na _y`hmg H$m nmdYmZ H$nZr A{Y{Z`_ 1956 H$s AZwgyMr XIV _| {Z{X> Xam| Ho$ AZwgma grYr H$Q>mVr nUmbr go {H$`m J`m h&
6.1.3
H$`yQ>am| Ama {Z~mY {~Obr Amny{V {gQ>_m| ( `ynrEg ) na _y`hmg H$s JUZm grYr H$Q>mVr nUmbr _| ~hr _y` na 33.33 n{VeV n{Vdf Ho$ {hgm~
go H$s OmVr h&
6.1.4
df Ho$ XmamZ A{OV {Z`V AmpV`m| na _y`hmg, 30 {gV~a H$mo `m CgHo$ nyd A{OV AmpV`m| na nyU 100 n{VeV Xa go VWm CgHo$ ~mX A{OV
AmpV`m| na nyU Xa dh 50 n{VeV go n^m[aV {H$`m OmVm h&
6.1.5
nQ>Qo> H$s O_rZ na nr{_`_ A{YJhU df _| nyOrH$V {H$`m OmVm h Ama nQ>Q>m Ad{Y _| n[aemo{YV {H$`m OmVm h&
6.1.6
{dXoer emImAm| _| AmpV`m| Ho$ g~Y _| _y`hmg H$m nmdYmZ g~{YV Xoem| _| nM{bV n{V Ho$ AZwgma {H$`m OmVm h&
6.1.7 ~qH$J go BVa AmpV`m| (EZ~rE) Ho$ _m_bo _| H$moB _y`hmg n^m[aV Zht {H$`m OmVm h&
AZwfJr H$n{Z`m
6.2

6.2.1.
6.2.2.
AMb AmpV`m
AMb AmpV`m| H$mo nanamJV bmJV na, g{MV _y`hmg ,oa gkfu ;fn gks H$mo KQ>m H$a ~Vm`m OmVm h& nQ>Qo> na br JB AmpV`m| H$mo fnlacj
1997 ls iwoZ lafonkxr nQ>Q>m g_m`moOZ ImVo _| eof Ho$ {bE nwZ g_m`mo{OV {H$`m OmVm h&
_y`hmg
(H$) nQ>Q>m AmpV`m| H$mo N>moS>H$a A` AmpV`m| na
nQ>Q>msa ij nh xbZ AmpV`m| H$mo N>moS>H$a A` AmpV`m| na AZwfJr, grYr H$Q>mVr nUmbr (SLM) na `WmZwnmV AmYma na, H$nZr
A{Y{Z`_, 1956 H$s AZwgyMr XIV _| {ZYm[aV Xam| na _y`hmg H$m nmdYmZ H$aVr h VWm {Og _hrZo _| AmpV gWm{nV H$s J`r h, Cgo
nyU _hrZm _mZm OmVm h& gmQ>doà bmJVm| H$mo, CZHo$ AOZ Ho$ df go VrZ dfm| H$s Ad{Y Ho$ {bE n[aemo{YV {H$`m OmVm h&
(I) nQ>Q>m AmpV`m| na
nQ>Q>m AmpV`m| na H$nZr, MCY;wMhoh n{V na `WmZwnmV AmYma na, AZwfJr A{Y{Z`_, 1956 H$s AZwgyMr XIV _| {ZYm[aV Xam|
na _y`hmg H$m nmdYmZ H$aVr h VWm {Og _hrZo _| AmpV gWm{nV H$s J`r ho, Cgo nyU _hrZm _mZm OmVm h& ^maVr` gZXr boImH$ma
gWmZ mam Omar nQ>Q>m| H$m boImH$aU na _mJXeZ ZmoQ> (gemo{YV) Ho$ AZwgma nQ>Q>m AmpV`m| H$s bmJV H$mo nQ>Qo> H$s Ad{Y Ho$ XmamZ
nyUV n[aemo{YV {H$`m OmVm h& gm{d{YH$ _y`hmg Ama dm{fH$ nQ>Q>m n^ma _| AVa H$m g_m`moOZ, nQ>Q>m g_H$aU Ho$ O[aE {H$`m OmVm h,
{OgH$m g_m`moOZ nQ>Q>m Am` Ho$ gmW {H$`m OmVm h&
6.3

AMb gnpV`m| H$mo bmJV na nyOrH$V {H$`m OmVm h Ama bmJV go _y`hmg KQ>mH$a {XIm`m OmVm h& _y`hmg H$m n[aH$bZ H$nZr A{Y{Z`_ 1956 H$s
AZwgyMr XIV _| Xr JB Xam| na MCY;wMhoh n{V go {H$`m OmVm h&
6.4
BS> \$S> _ZoO_|Q> {b{_Qo>S>

6.4.1
6.4.2
AMb AmpV`m
AMb gnpV`m| H$mo CZHo$ AOZ H$s bmJV VWm Eogo AOZ _| hE nmg{JH$ n^ma H$mo OmoS>Vo hE _yb bmJV na {XIm`m OmVm h&
_y`hmg
H$nZr A{Y{Z`_, 1956 H$s AZwgyMr XIV _| {ZYm[aV Xam| na Ama n{V _| grYr H$Q>mVr nUmbr na _y`hmg H$m nmdYmZ {H$`m J`m h&
170
6.
FIXED ASSETS / DEPRECIATION
6.1
PARENT
6.1.1
Premises and other xed assets are stated at historical cost/ revalued amount.
6.1.2
Depreciation on buildings (including cost of land wherever inseparable/ not segregated)

and other xed assets (excluding computers) in India is provided for on the straight-line method at rates specied in
Schedule XIV to the Companies Act, 1956 and at the Bank determined rates based on Residual Life in the case of
Revalued Assets.
6.1.3
Depreciation on computers and Uninterrupted Power Supply Systems (UPS) is provided at the rate of 33.33% per
annum on Straight Line Method (SLM).
6.1.4
Depreciation on xed assets acquired on or before 30th September is charged at 100% of the prescribed rates and at
50% of the prescribed rates on the xed assets acquired thereafter.
6.1.5
Premium on leasehold land is capitalised in the year of acquisition and amortized over the year of lease.
6.1.6
Depreciation in respect of xed assets at foreign branches is provided as per the practice prevailing in the respective
countries.
6.1.7
In respect of Non-Banking Assets (NBA) no depreciation is charged.

6.2
6.2.1
Fixed Assets
Fixed Assets are stated at historical cost less accumulated depreciation & provision for impairment (if any). Leased
assets (Contracted prior to December 1997) are further adjusted for the balance in Lease adjustment account.
6.2.2
Depreciation
(a)
On Assets other than leased assets

In respect of assets other than assets given on lease, the Subsidiary provides depreciation on the assets on the
Straight Line Method (SLM) at the rates prescribed in Schedule XIV to the Companies Act, 1956, on pro-rata basis,
the month in which the assets are installed taken as full month. Software costs are amortised on SLM over a period of
three years, from the year of acquisition.
(b)
On Leased assets
In respect of leased assets, the Subsidiary provides depreciation on the assets in the WDV method at the rates
prescribed in schedule XIV to the Companies Act 1956 on pro-rata basis, the month in which the assets are installed
taken as full month. The cost of the Leased Assets are amortised fully during the Lease period in accordance with
the Guidance note on Accounting for Leases (revised) issued by the Institute of Chartered Accountants of India. The
difference between the statutory depreciation and the annual lease charge is adjusted through the Lease Equalisation,
which is adjusted with the lease income.
6.3
INDBANK HOUSING LTD

Fixed Assets are capitalised at cost and are stated at cost less depreciation. Depreciation is calculated on written down
value method at the rates prescribed in schedule XIV to the Companies Act, 1956.
6.4
INDFUND MANAGEMENT LTD
6.4.1
Fixed Assets
Fixed Assets are stated at original cost of acquisition plus incidental charges incurred in connection with the
acquisition.
6.4.2
Depreciation
Depreciation has been provided on straight-line method in the manner and at the rates provided in schedule XIV of the
Companies Act, 1956.
171
7.
amOd A{^kmZ
7.1
_yb gWm
7.1.1
Am` Ama `` _Xm| H$mo, O~ VH$ A`Wm Zht H$hm OmE, gm_m`V Cn{MV AmYma na {hgm~ _| {b`m OmVm h &
7.1.2
Ja {ZnmXH$ AmpV`m|, gaH$ma mam JmaQ>rH$V Hw$N> AmpV`m| (Ohm `mO {Z`{_V $n _| g{dg Zht {H$`m OmVm h ) bm^me Am`, ~r_m Xmdo, Omar {H$ò
Jò gmI-nm| /JmaQ>rnm|| na H$_reZ n[a`moOZm {dV go BVa) IarXo JE {~bm| na A{V[aV `mO /A{VXo` n^ma, bmH$a {H$am`m Am{X go Am` H$mo
CZH$s dgybr hmoZo na {hgm~ _| {b`m OmVm h &
7.1.3
A{VXo` {dXoer {~bm| Ho$ _m_bo _|, `mO Ama A` n^mam| H$mo ^maVr` {dXoer _wXm `mnmar gK (\o$S>m`) Ho$ {Xem{ZX}em| Ho$ AZwgma {H$Q>bmBOoeZ H$s
VmarI VH$ _mZm OmVm h &
AZwfJr H$n{Z`m :
7.2

7.2.1
B`w n~YZ ewH$ Ama A` n~YH$s` godmAm| Ho$ {bE ewH$ - g_ZwXoeZ nyam hmoZo H$s VmarI H$mo _mZ {b`m OmVm h &
7.2.2
{dVr` CnmXm| Ho$ {dVaU na hm_rXmar H$_reZ Ama ~moH$aoO - AeXmZ `mao nm hmoZo na CgH$m A{^kmZ {H$`m OmVm h &
7.2.3
Q>mH$ ~moqH$J n[aMmbZm| Ho$ AYrZ Xbmbr H$mo g{dXm Ho$ nyam H$aZo na boIm{H$V {H$`m OmVm h&
7.2.4
{H$am`m IarX boZXoZm| Ho$ g~Y _| {dV n^ma, nyOr dgybr n{V _| KQ>Vo eof AmYma na H$ama H$s Ad{Y VH$ n^m{OV {H$E OmVo h &
7.2.5
nQ>Q>m {H$amò na nQ>Q>m g{dXmAm| Ho$ AZwgma {Z`V {XZmH$m| na fopkj fd;k tkrk h &
7.2.6
AVa H$mnm}aoQ> vkSj vU; cSad O_mAm| na nmoX^yV `mO Omo{H$ Xo` Zht hAm h, Eogr O_m aIZo H$s eVm| Ho$ AZwgma {V_mhr AmYma na n[aH${bV {H$`m
OmVm h&
7.2.7
A{VXo` nQ>Q>m {H$am`m| na Ama {H$am`m IarX {H$Vm| na `mO nmdVr AmYma na boIm{H$V {H$`m OmVm h &
7.2.8 ykHkkak vk; dk vfHkKku rc fd;k tkrk gS] tc izkIr djus dk vf/kdkj LFkkfir fd;k tkrk gS A
7.3
7.4

7.3.1
Am` H$s nhMmZ Ed Ja {ZnmXH$ AmpV`m| Ho$ {bE nmdYmZ hoVw H$nZr, am>r` Amdmg ~H$ Ho$ {ddoH$nyU _mZXS>m| H$m AZwnmbZ H$aVr h &
7.3.2
Amdmg F$Um| H$s dgybr, g_rH$V _m{gH$ {H$Vm| (BE_AmB) _|, {OZ_| _ybam{e Ama `mO em{_b h, dgybr OmVr h& g~{YV AY-df / df Ho$
Ama{^H$ eof na AY-dm{fH$ AmYma na `mO H$m n[aH$bZ {H$`m OmVm h& nyao F$U Ho$ {dVaU Ho$ ~mX BE_AmB Ama^ hmoVr h& BE_AmB Ho$ nma^ hmoZo
Ho$ g_` VH$, BE_AmB-nyd `mO Xo` h VWm _m{gH$ AmYma na BgH$m A{^kmZ {H$`m OmVm h&
BS> \$S> _ZoO_|Q> {b{_Qo>S>

7.4.1
{Zdoe n~YZ VWm gbmhH$ma ewH$ H$mo lap; Ho$ AmYma na bafM;u ~H$ `y`wdb \$S> H$s nwZnm{ `moOZmAm| Ho$ g~Y _| {V_mhr AmYma na Xo` Xmdm
Z H$s JB nwZnm{ jkfk;ksa H$m 0.5 n{VeV dh nj ij, Omo{H$ nòH$ H$boS>a {V_mhr H$s ewAmV na ~H$m`m am{e na AmYm[aV h, {hgm~ _| {b`m
OmVm h &
7.4.2 bZfDoVh eoàm| na bm^me H$m boImH$Z ZH$X AmYma na {H$`m OmVm h &
7.4.3
8.
{ZnmXH$ {S>~|Mam| na `mO H$m boImH$Z Cn{MV AmYma na {H$`m OmVm h & Ja-{ZnmXH$ {S>~|Mam| na `mO, ZH$Xr AmYma na {hgm~ _| {b`m OmVm h
&
{Zdb bm^/hm{Z
bm^ d hm{Z boIo _| Xem`m J`m n[aUm_ {ZZ{b{IV na {dMma H$aZo Ho$ nMmV h
xSj fuiknd vfxzeksa vkSj/;k fuoskksa ds fy, izko/kku
_mZH$ A{J_m| na gm_m` nmdYmZ
pWa AmpV`m| na _y`hmg Ho$ {bE nmdYmZ
{Zdoem| na _y`hmg Ho$ {bE nmdYmZ

172
REVENUE RECOGNITION
7.1
PARENT
7.1.1
Income and expenditure are generally accounted for on accrual basis, unless otherwise stated.
7.1.2
Income from non-performing assets, certain Government guaranteed assets (where interest is not serviced regularly),
dividend income, insurance claims, commission on letters of credit/ guarantees issued (other than those relating to
project nance), additional interest/ overdue charges on bills purchased, locker rent, nance charges on credit cards etc.
are accounted for, on realisation.
7.1.3
In case of overdue foreign bills, interest and other charges are recognised till the date of crystallisation as per FEDAI
guidelines.
Subsidiary Companies:
7.2
7.2.1
Issue Management Fee and fees for other managerial services - Considered on the completion of assignment.
7.2.2
Underwriting Commission and brokerage on distribution of nancial products - Considered on receipt of subscription
particulars.
7.2.3
Brokerages under stock broking operations are accounted on completion of contract.
7.2.4
Finance charges in respect of Hire Purchase transactions are apportioned over the period of agreement by Capital
Recovery Method on Reducing balance basis.
7.2.5
Lease rentals are considered on the due dates as per lease contracts.
7.2.6
Interest on Intercorporate and other bank deposits placed, which have accrued, but not due has been reckoned on a
quarterly basis in accordance with the terms of placement.
7.2.7
Interest on overdue lease rentals and hire purchase instalments are accounted for on receipt basis.
7.2.8
Dividend income is recognized when the right to receive is established.
7.3
7.3.1
NHBs Prudential Norms for recognition of Income and Provisioning for Non Performing Assets have been followed.
7.3.2
Repayment of housing loans is by way of Equated Monthly Installments (EMI) comprising of principal and interest.
Interest is calculated every half year on the opening balance at the beginning of the respective half year/year. EMI
commences once the entire loan is disbursed. Pending commencement of EMI, pre-EMI interest payable is recognized
every month.
7.4
7.4.1
Investment Management and Advisory Fees are accounted for on accrual basis in respect of redeemed schemes of
Indian Bank Mutual Fund @ 0.5% of the unclaimed redemption proceeds, payable quarterly, based on outstanding
amount at the beginning of each calendar quarter.
7.4.2
Dividend on Equity shares is accounted for on cash basis.
7.4.3
Interest on performing debentures is accounted for on accrual basis. Interest on non-performing debentures is
accounted for on cash basis.
8.
NET PROFIT / LOSS

The result disclosed in the Prot and Loss Account is after considering:
- Provision for Non Performing Advances and/ or Investments
- General provision on Standard Advances
- Provision for Depreciation on Fixed Assets
- Provision for Depreciation on Investments
173
9.
AmH$p_H$Vm {Z{Y H$mo / go AVaU

gm{d{YH$ Amd`H$VmAm| Ho$ AZw$n n`j H$am| Ho$ {bE nmdYmZ
gm_m` `m/Ama A` Amd`H$ nmdYmZ
Q>m\$ godm{ZdpV bm^

9.1
_yb gWm
9.1.1
n|eZ {Z{Y d Jo`w{Q> {Z{Y _| dm{fH$ AeXmZm| H$m {ZYmaU, {ZZmZwgma {H$`m OmVm h VWm CZHo$ {bE nmdYmZ {H$`m OmVm h
i) ^maV _| ~r_m{H$H$ _y`mH$Z Ho$ AmYma na hmoVm h Ama H$_e AZw_mo{XV n|eZ \$S> Ama J`w{Q> \$S> _| AeXmZ {H$`m OmVm h , Ama
ii) {dXoer emImAm| Ho$ g~Y _| dhm Ho$ WmZr` H$mZyZm| Ho$ AZwgma {H$`m OmVm h&
9.1.2
Q>m\$ gX`m| Ho$ {bE Nw>Q>Q>r ^wZmB H$m bm^ ~r_m{H$H$ AmYma na {hgm~ _| {b`m OmVm h &
9.1.3
~r_m{H$H$ _y`mH$Z Ho$ AZwgma {ZYm[aV H$_Mmas bm^m| go g~{YV n[adVu Xo`Vm H$mo AmBgrEAmB mam Omaro gemo{YV boImH$Z _mZH$ 15 (EEg 15)
H$s eVm| Ho$ AZwgma nmM dfm| H$s Ad{Y _| ~Q>Q>m ImVm S>mbm OmVm h&
AZwfJr H$n{Z`m
9.2
BS> ~H$ _M|Q> ~qH$J godmE {b.

9.2.1
B{S>`Z ~H$ go n{V{Z`wV Q>m\$ Ho$ {bE godm{ZdpV bm^m| H$s Xo`Vm H$m dhZ, B{S>`Z ~H$ H$aVm h&
9.2.2 Jo`w{Q> - Jo`w{Q>, Omo{H$ Ah H$_Mm[a`m| H$mo H$da H$aZodmbr EH$ n[a^m{fV godm{ZdpV bm^ Am`moOZm h Ho$ n{V AZwfJr H$m Xm{`d h& Am`moOZm _|
godm{ZdpV, {Z`moOZ _| ahVo _`w AWdm {Z`moOZ g_mnZ na {Z{hV H$_Mm[a`m| H$mo g_m nòH$ df Ho$ {bE 15 {XZm| Ho$ doVZ Ho$ ~am~a H$s am{e
H$m nmdYmZ h& nmM dfm| H$s godm H$s g_m{ na dopQ>J ew$ hmoVr h& `mg Ho$ $n _| Wm{nV Jo`w{Q> {Z{Y H$mo AZwfJr ^maVr` OrdZ ~r_m {ZJ_ Ho$
gmW g_yh J`wB{Q> nm{bgr Ho$ O[aE dm{fH$ AeXmZ XoVr h&
9.2.3 ^{d` {Z{Y - AZwfJr Ho$ Ah H$_Mmar, ^{d` {Z{Y Omo{H$ EH$ n[a^m{fV AeXmZ Am`moOZm h Ho$ VhV bm^ nm H$aZo hoVw hH$Xma h {Og_| H$da
{H$E JE H$_Mmar Ho$ doVZ Ho$ EH$ {Z{X> n{VeV na XmoZm| H$_Mmar Ed AZwfJr AeXmZ H$aVo h, {d{Y Ho$ VhV `Wm {Z{X> AeXmZ ^{d` {Z{Y H$mo
Ama ^{d` {Z{Y nm{YH$m[a`m| Ho$ gmW n|eZ {Z{Y H$mo AXm {H$E OmZo h&
9.2.4 Nw>Q>Q>r H$s ^wZmB B{S>`Z ~H$ go n{V{Z`wV Q>m\$ go A` H$_Mm[a`m| H$s Nw>Q>Q>r H$s ^wZmB H$s Xo`Vm Ho$ {bE, nòH$ VwbZ n H$s VmarI na Z br JB
Nw>Q>Q>r Ho$ {XZm| Ho$ AmYma na ~r_m{H$H$ AmYma na nmdYmZ {H$`m J`m h&
9.2.5 bafM;u cSad ls izfrfu;qfDr ij jgs LVkQ dh lsokfuo`fRr ykHk ns;rk ;ksX; Hkfo`fuf/k vaknku ds vykok bafM;u cSad }kjk ogu
dh tkrh gSA
9.3 BS>~H$ hmCqgJ {b{_Qo>S>
9.3.1
^{d` {Z{Y _| AeXmZ, jor` ^{d` {Z{Y Am`wV Ho$ nmg {H$E OmVo h&
9.3.2
Jyn Jo`w{Q> `moOZm Ho$ AVJV J{R>V `mg mam Jo`w{Q> Xo`Vm H$da {H$`m OmVm h& `mg Zo ^maVr` OrdZ ~r_m {ZJ_ go g_yh Jo`w{Q> nm{bgr IarXr h
Ama dm{fH$ nr{_`_, `mg Ho$ O[aE AXm {H$`m OmVm h&
9.3.3
9.4
10.
Nw>Q>Q>r H$s ^wZmB H$s Xo`Vm Ho$ {bE ~r_m{H$H$ AmYma na nmdYmZ {H$`m OmVm h&
BS>\$S> _oZoO_|Q> {b{_Qo>S>
H$nZr Ho$ Q>m\$, B{S>`Z ~H$ go n{V{Z`wV h& My{H$ gnyU godm{ZdpV Ho$ bm^ _yb gWmZ mam AXm {H$E OmVo h, n{V{Z`wV H$_Mm[a`m| H$s godm{ZdpV na Xo`
JoMw{dQ>r Ed Nw>Q>Q>r ^wZmB Ho$ {bE H$moB nmdYmZ Zht {H$`m OmVm&
CYma bmJV|
BS> ~H$ _M|Q> ~qH$J g{dgst {b. Ho$ _m_bo _| {OZ CYma bmJVm| go H$nZr H$mo ^{d` _| Am{WH$ bm^ hmoZo H$s g^mdZm h, Ch| AhH$mar AmpV H$s bmJV Ho$ {hgo Ho$
$n _| nyOrH$V {H$`m J`m h & A` CYma bmJV| {Og Ad{Y Ho$ XmamZ IM hB h, Ch| `` Ho$ $n _| dJuH$V {H$`m J`m h &
174
- Transfer to/ from Contingency Fund

- Provision for direct taxes in accordance with statutory requirements
- Usual or/and other necessary provisions
9.
STAFF RETIREMENT BENEFITS
9.1
PARENT
9.1.1
Annual contributions to Pension Fund and Gratuity Fund are determined and provided for:
(i)
On the basis of actuarial valuation and contribution to approved Pension Fund and Gratuity Fund respectively in
India, and
(ii)
As per the local laws in respect of foreign branches.
9.1.2
Leave encashment benet for employees is accounted for on actuarial basis.
9.1.3
Transitional liability relating to employee benets determined as per actuarial valuation is written off over a period of
ve years in terms of Revised Accounting Standard 15 (AS -15), Employee Benets, issued by ICAI.
9.2
9.2.1
Short Term employee benets/ obligations are estimated and provided for.
9.2.2
Gratuity The Subsidiary has an obligation towards gratuity, a dened benet retirement plan covering eligible
employees. The plan provides for a lumpsum payment to vested employees at retirement, death while in employment
or on termination of employment of an amount equivalent to 15 days salary payable for each completed year of
service. Vesting occurs upon completion of ve years of service. The Subsidiary makes annual contribution to gratuity
fund established as a Trust through a Group Gratuity Policy with Life Insurance Corporation of India. The Subsidiarys
liability towards Gratuity is actuarially determined at balance sheet date using the Projected Unit Credit (PUC) method.
Actuarial gains and losses are recognized in revenue.
9.2.3
Provident Fund The eligible employees of the Subsidiary are entitled to receive benets under Provident Fund, a
dened contribution plan in which both employees and the Subsidiary make monthly contributions at a specied
percentage of the covered employees salary, the contributions as specied under the Law are paid to the Provident
fund and pension fund with the provident fund authorities.
9.2.4
Leave encashment - The eligible Leave encashment liability to the employees other than those deputed by Indian Bank
has been provided for on the basis of actuarial valuation based on number of days un-utilised leave at each balance
sheet date.
9.2.5
The retirement benet liability to staff on deputation from Indian Bank is borne by Indian Bank except eligible Provident
Fund contribution.
9.3
9.3.1
9.3.2

Contribution to Provident Funds is made to the Regional Provident Fund Commissioner.
The Gratuity liability is covered by Trust formed under the Group Gratuity Scheme. The trust has purchased a Group
Gratuity policy from LIC and the annual premium is paid through the Trust.
Liability for leave encashment is provided for on actuarial basis.
9.3.3
9.4

The staff of the Subsidiary are on deputation from Indian Bank. Liability towards Gratuity and leave encashment
payable at the time of retirement of deputed employees is not provided for since the entire retirement benets are
paid by the Parent.
10.
BORROWING COSTS
In respect of Indbank Merchant Banking Services Ltd. - Borrowing costs are capitalised as part of the cost of
a qualifying asset when it will result in future economic benets to the Company. Other borrowing costs are
recognised as an expense in the year in which they are incurred.
175
11.
AmH$p_H$ Xo`VmE Ama nmdYmZ

nhbo {H$E JE H$m`H$bmn, {OZgo dV_mZ _| `m g^m` ~m`VmE hmo gH$Vr h, H$mo AmH$p_H$ Xo`Vm _mZm OmVm h& dV_mZ ~m`VmAm| Ho$ g~Y _|, Ohm {ddgZr`
AmH$bZ {H$`m Om gH$Vm h Ama Eogr ~m`VmAm| Ho$ {ZnQ>mZ Ho$ {bE Am{WH$ bm^ Ho$ gmW {Z{Y H$m laHkkO; ~mhar ndmh {Z{hV h, dhm nmdYmZ H$s nhMmZ H$s OmVr
h&
12.
AmpV`m| H$mo j{V

j{V gkfu;ka (`{X hmo), H$s nhMmZ ^maVr` gZXr boImH$ma gWmZ (AmBgr,AmB) mam Bg g~Y _| Omar boImH$aU _mZH$ Ho$ AZw$n H$s OmVr h&
13.
Am` na H$a
13.1
13.2
H$a hoVw nmdYmZ, Mmby H$a VWm AmW{JV H$a XmoZm| Ho$ {bE (`yZV_ dH$pnH$ H$a-E_EQ>r H$mo em{_b H$aHo$) {H$`m OmVm h&
n`mo` H$a Xa|, H$a {Z`_ Ama AZwHy$b `m{`H$ {ZU` / {d{YH$ jk; H$m Cn`moJ H$aVo hE H$a nm{YH$m[a`m| H$mo Xo` AmH${bV am{e Ho$ AmYma na dV_mZ H$a H$m
AmH$bZ {H$`m OmVm h&
13.3 AmW{JV H$a AmpV`m Ama Xo`VmE Omo{H$ g_` Ho$ \$aH$ Ho$ H$maU CnZ hE h Ama Omo{H$ ~mX Ho$ dfm| _| n`mdVZ H$s j_Vm aIVo h H$mo VwbZ n H$s VmarI
VH$ AWdm ~mX _| V`ma {H$E JE H$a Xam| d H$a H$mZyZm| H$m n`moJ H$aHo$ A{^nhMm{ZV {H$`m OmVm h& AmW{JV H$a AmpV`mo H$mo V~ VH$ A{^nhMm{ZV Zhr
{H$`m OmVm h O~ VH$ {H$ Agbr {ZpMVVm hmo OmE {H$ n`m ^mdr H$a `mo` Am` CnZ hmoJr {OgHo$ {d Eogr AmW{JV H$a AmpV`mo H$mo mJmhm Om
gHo$&
14
n[aMmbZm| H$mo ~X H$aZm

BS> ~H$ _M|Q> ~qH$J g{dgog {b. Ho$ g~Y _| n[aMmbZm| H$mo ~X H$aZo Ho$ {bE AnZm`r OmZodmbr boImH$Z Zr{V`m, n[aMmbZm| H$mo Omar aIZo Ho$ {bE AnZm`r OmZodmbr
boImH$Z Zr{V`m| Ho$ g_Zw$n h&
E_ Eg gwXa amOZ
A`j Ed n~Y {ZXoeH$
E gw~_{U`Z
,- ,l- HkV~Vkpk;Z
dr JUogZ
H$m`nmbH$ {ZXoeH
H$m`nmbH$ {ZXoeH
_hm n~YH$
funskd
ys[kk ijh{kd
H$Vo JYr ES> H$.
gZXr boImH$ma
vkj izdkk
lk>snkj
(M.No. 205869)
gZXr boImH$ma
vkj ih vxjoky
lk>snkj
(M.No. 051979)
gZXr boImH$ma
ujsk panz xsYyh oh
lk>snkj
(M.No. 201754)
gZXr boImH$manr.
gZXr boImH$ma
gZXr boImH$ma
/khjt feRry
oh eksgu
,l LokfeukFku
lk>snkj
(M.No. 97289)
lk>snkj
(M.No. 26590)
lk>snkj
(M.No. 23998)
WmZ MoZ
{XZmH$ 19.05.2009
176
11.
CONTINGENT LIABILITIES AND PROVISIONS

Past events leading to, possible or present obligations are treated as contingent liability. Provision is recognised
in case of present obligations where a reliable estimate can be made and/or where there are probable outow of
resources embodying forgoing of economic benets to settle the obligations.
12.
IMPAIRMENT OF ASSETS
Impairment losses, if any, are recognised in accordance with the Accounting Standard (AS) -28 issued in this regard
by the Institute of Chartered Accountants of India (ICAI).
13.
TAXES ON INCOME
13.1
Provision for tax is made for both Current Tax (including Minimum Alternate Tax MAT) and Deferred Tax.
13.2
Current tax is measured at the amount expected to be paid to the taxation authorities, using the applicable tax rates,
tax laws and favourable judicial pronouncements / legal opinion.
13.3
Deferred Tax Assets and Liabilities arising on account of timing differences and which are capable of reversal in
subsequent period are recognised using the tax rates and tax laws that have been enacted or substantively enacted till
the date of the Balance Sheet. Deferred Tax Assets are not recognised unless there is virtual certainty that sufcient
future taxable income will be available against which such deferred tax assets will be realised.
14.
DISCONTINUING OPERATIONS
In respect of Indbank Merchant Banking Services Ltd., accounting policies adopted for discontinuing operations are
in line with the accounting policies adopted for continuing operations.
M S SUNDARA RAJAN
A SUBRAMANIAN
A S BHATTACHARYA
V. GANESAN
Executive Director
Executive Director
General Manager
DIRECTORS:
AUDITORS:
R. Prakash
Partner
(M.No. 205869)

R. P. Agarwal
Partner
(M.No. 051979)
For GRANDHY & CO

Partner
(M.No. 201754)

Dhiraj Mittal
Partner
(M.No. 97289)

V. Mohan
Partner
(M.No. 26590)

S Swaminathan
Partner
(M.No. 23998)
Place : Chennai
Date 19.05.2009
177
boIm narjH$m| H$s [anmoQ>

4. bZfDoVh
godm _|
B{S>`Z ~H$ Ho$ {ZXoeH$ _S>b H$mo B{S>`Z ~H$] CgH$s AZwf{J`m| o lg;ksfx;ksa
dh g_o{H$V {dVr` foojf.k;ksa ij 1.h_Zo B{S>`Z ~H$ VWm CgH$s AZwf{J`m| o lg;ksfx;ksa (cSad) Ho$ 31 _mM
2009 VH$ Ho$ gb g_o{H$V VwbZ-n Ed Cggo AZw~ Cgr VmarI H$mo g_m
bm^ hm{Z boIm d g_o{H$V ZH$Xr ndmh {ddaUr H$s OmM H$s h& {dVr` {dda{U`m
H$m g_oH$Z B{S>`Z ~H$ n~YZ H$m Xm{`d h& h_mar {O_oXmar AnZr boIm narjm
Ho$ AmYma na BZ {dVr` {dda{U`m| na _V nH$Q> H$aZm h&
2.h_Zo ^maV _| Am_ Vma na drH$V boIm narjm Ho$ _mZH$m| Ho$ AZwgma AnZr boIm
narjm H$s h& CZ _mZH$m| Ho$ {bE O$ar h {H$ h_ Bg nH$ma `moOZm ~ZmE Ama boIm
narjm H$a| Vm{H$ C{MV AmdmgZ nm gH|$ {H$ {dVr` {dda{U`m fof; oLrq dh
JbV OmZH$mar go _wV h& boIm narjm _| OmM Ho$ AmYma na {dVr` {dda{U`m| _|
am{e`m| Ama nH$Q>rH$aUm| H$m g_WZ H$aZodmbo gm`m| H$s narjm em{_b h& boIm
narjm _| n`wV boImH$aU {gmVm| Ama n~YZ mam {H$E JE _hdnyU nmH$bZm|
H$m {ZYmaU VWm g_J $n go {dVr` {ddaU Ho$ nVwVrH$aU H$m _y`mH$Z ^r em{_b
h& h_| `H$sZ h {H$ h_mah boIm narjm h_mao _V hsVw C{MV AmYma nXmZ H$aVh hS&
i)fr ds rgr lg;ksfx;ksa esa bafM;u cSad ds fuosk ewY; dks

fuxfer djus ds fy,] geus nks lg;ksfx;ksa dh foRrh; foojf.k;ksa ij
Hkh fopkj fd;k gSA
5. h_ [anmoQ> H$aVo h {H$ ~H$ mam g_o{H$V {dVr` {ddaU ^maVr` gZXr boImH$ma
gWmZ mam Omar boImH$aU _mZH$ (EEg) 21 g_o{H$V {dVr` {ddaUvkSj
,-,l-23&^^lesfdr foRrh; fooj.kksa esa lg;ksfx;ksa esa fuosk gsrq

ys[kkadu** H$s Amd`H$VmAm| Ho$ AZwgma Ed ^maVr` [aOd ~H$ mam CgHo$ n[an
g. S>r~rAmoS>r g.~rnr.~rgr 72/21.-4.018/2002-03 {XZmH$ 25.02.2003
mam Omar {Xem{ZX}em| Ho$ AmYma na V`ma {H$E JE h &
6. gekjh
ys[kkijh{kk vkSj i`Fkd foRrh; fooj.kksa rFkk la?kVdksa dh vU;

foRrh; tkudkjh ij vU; ys[kk ijh{kdksa dh fjiksZVksa ij fopkj djds
vkSj gekjh loksZRre tkudkjh ,oa gesa fn, x, n>rH$aUksa ds vuqlkj
rFkk mi;qZDr iSjk 3 ,oa 4 ds v/;/khu gekjh jk; gS fd layXu lesfdr
foRrh; fooj.k Hkkjr esa lkekU;r% Lohd`r ys[kk iz.kkfy;ksa ds leuq:i
lgh ,oa okLrfod fp= izdV djrs gSaA
i)
lesfdr rqyu&i= ds ekeys esa ;g 31 ekpZ 2009 dks cSad ds $

g_o{H$V H$m`mo dk
ii)
lesfdr ykHk o gkfu ys[ks ds ekeys esa ml rkjh[k dks cSad dk

bm^ ] vkSj
iii)
g_o{H$V ZH$Xr ndmh {ddaU ds ekeys esa lesfdr foRrh; fooj.k mam
H$da H$s JB Ad{Y Ho$ {bE ~H$ ds ZH$Xr ndmh H$m A
3.AZwf{J`m|
H$s {dVr` {dda{U`m| H$s boIm narjm A` boIm narjH$m| mam H$s
J`r h {OgH$s [anmoQ> h_| nVwV H$s J`r h VWm Ohm VH$ AZwf{J`m| Ho$ g~Y _|
em{_b H$s JB am{e go g~{YV h_mar am` h, og iw.kZr% A` boIm narjm H$s
[anmoQ> na AmYm[aV h&
H$Vo Ama gw~_{U`Z ES> H$.

gZXr boImH$ma
Ama nH$me
gmPoXma
(E_ g 205869)
H$Vo nr.Eb {_Vb ES> H$.

gZXr boImH$ma
YraO {_Vb
gmPoXma
(E_ g 97289)
WmZ MoZ
{XZmH$ 19.5.2009
178

gZXr boImH$ma
Ama nr AJdmb
gmPoXma
(E_ g 051979)

gZXr boImH$ma
dr eksgu
gmPoXma
(E_ g 26590)
H$Vo JYr ES> H$.

gZXr boImH$ma
Zaoe MX Jor dr
gmPoXma
(E_ g 201754)
H$Vo x.kslu ,aM dagZXr boImH$ma
,l- dm_rZmWZ
gmPoXma
(E_ g 23998)
AUDITORS REPORT
To
THE BOARD OF DIRECTORS OF INDIAN BANK ON THE CONSOLIDATED FINANCIAL STATEMENTS OF INDIAN BANK, ITS
SUBSIDIARIES AND ASSOCIATES
1.
We have examined the attached Consolidated Balance

Sheet of Indian Bank, its subsidiaries and associates (the
Bank) as at 31st March, 2009, the Consolidated Prot and
Loss account for the year ended on that date annexed
thereto and the consolidated Cash Flow statement for the
year ended on that date. The consolidation of nancial
statements is the responsibility of the Indian Banks
management. Our responsibility is to express an opinion
on these nancial statements based on our audit.
2.
We conducted our audit in accordance with auditing

standards generally accepted in India. Those standards
require that we plan and perform the audit to obtain
reasonable assurance about whether the nancial
statements are free from material mis-statements. An
audit includes examining on a test basis, evidence
supporting the amounts and disclosures in the nancial
statements. An audit also includes assessing the
accounting principles used and signicant estimates
made by the management, as well as evaluating the
overall nancial statements presentation. We believe that
our audit provides a reasonable basis for our opinion.
3.
4.
5.
We report that the consolidated nancial statements

have been prepared by the Bank in accordance
with the requirements of Accounting Standard (AS)
21 Consolidated Financial Statements and AS
23 Accounting for Investments in Associates in
Consolidated Financial Statements issued by the
Institute of Chartered Accountants of India, and the
guidelines issued by Reserve Bank of India vide its
circular No. DBOD.No.BP.BC.72/21.-4.018/2002-03
dated 25.02.2003.
6.
Based on our audit and on consideration of reports of

other auditors on separate nancial statements and
on the other nancial information of the components,
and to the best of our information and according to
the explanations given to us and subject to paragraphs
3 & 4 above, we are of the opinion that the attached
consolidated nancial statements give a true and fair
view in conformity with the accounting principles
generally accepted in India:
The nancial statements of the subsidiaries have been

audited by other auditors whose reports have been
furnished to us and our opinion, in so far as it relates
to the amount included in respect of the subsidiaries,
is based solely on the report of the other auditors.
i) In the case of the Consolidated balance Sheet, of

the consolidated state of affairs of the Bank as on
31st March 2009;
ii) In the case of the Consolidated Prot & Loss
Account, of the Prot of the Bank on that date, and
iii) In the case of Consolidated Cash Flow Statement,
of the cash ows of the Bank for the year covered
by the Consolidated Financial Statements.
We have also considered the nancial statements of

two Associates for incorporating the Investment value
of Indian Bank in Associates under Equity Method.


For GRANDHY & CO.,

R. Prakash
Partner
(M.No. 205869)
R. P. Agarwal
Partner
(M.No. 051979)

Partner
(M.No. 201754)



Dhiraj Mittal
Partner
(M.No. 97289)
V. Mohan
Partner
(M.No.26590)
S. Swaminathan
Partner
(M.No. 23998)
Place : Chennai
Date : 19.05.2009
179
^maVr` [aOd ~H$ mam `Wm {Z{X> ~ogb-II Amd`H$VmAm| Ho$

AZwnmbZ Ho$ g~Y _| A{V[aV nH$Q>rH$aU
gmaUr S>rE\$ - 1
Cn`moJ jo
JwUm_H$ nH$Q>rH$aU
`h T>mMm B{S>`Z ~H$ na bmJy hmoVm h
i) gemo{YV nyOr n`mVm _mZXS> (~ogb-II V^ 3 H$s Amd`H$VmAm| Ho$ g_Zw$n) EH$b Va _| (gmd^m{_H$ pW{V) B{S>`Z ~H$ na bmJy homVo h&
ii) g_o{H$V {dVr` {ddaU Eo{Vhm{gH$ bmJV nWm na Mmby CnH$_ gH$nZm Ho$ AmYma na V`ma {H$E OmVo h VWm ^maVr` emImAm| Ho$ g~Y _| ^maV _| nM{bV
gm{d{YH$ nmdYmZ Ed n{V`m| Ho$ AZw$n h VWm {dXoe pWV emImAm| Ho$ g~Y _| A`Wm Z ~Vmò OmZo na Cg Xoe _| nM{bV gm{d{YH$ nmdYmZm| Ed
n{V`m| Ho$ AZw$n h&
iii) ~H$ H$s {ZZ{b{IV VrZ AZwf{J`m h `Wm (H$) BS> ~H$ hmCqgJ {b., (I) BS> ~H$ _M|Q> ~qH$J g{dgoO {b{_Qo>S> (J) BS> \$S> _oZoO_|Q> {b{_Qo>S> vkSj
rhu vlksfl,V gS] ;Fkk i) iYyou xzke cSad] ii) lIrfxfj xzkeh.k cSad vkSj iii) iqnqoS Hkkjfr;kj xzke cSad
g_yh Ho$ (_yb gWm Ed CgH$s AZwf{J`m) g_o{H$V {dVr` {ddaU, B{S>`Z ~H$ (_yb gWm) Ama CgH$s AZwf{J`m, B{S>`Z ~H$ Ho$ boIm nar{jV {dVr` {ddaUm| Ho$
AmYma na, AmpV`m|, Xo`VmAm|, Am` d `` H$s EH$ Ogr _Xm| H$mo EH$ gmW OmoS>H$a, bmBZ Xa bmBZ AmYma na {_bmVo hE AVa g_yh boZXoZm| H$mo Ed nm Z {H$E JE
bm^ / hm{Z`m| H$mo N>moS>H$a Ama EH$ g_mZ boImH$Z Zr{V Ho$ AZwgma `Wmd`H$ g_m`moOZ H$aZo Ho$ ~mX V`ma {H$ò Jò h& _yb gWm H$s [anmo{Q>J VmarI, `Wm 31 _mM
2008 Ho$ {bE hr AZwf{J`m| Ho$ {dVr` {ddaU ^r ~ZmE JE h&
_yb H$nZr H$mo AmZwf{JH$ gWm _| {Zdoe Ho$ {bE hB bmJV Ama AOZ H$s VmarI H$mo AZwfJr gWm _| _yb H$nZr Ho$ B{$Q>r {hgo _| AVa H$mo {dVr` {ddaU _| nyOr
[aOd Ho$ $n _| {b`m OmVm h& AOZ Ho$ ~mX Ho$ bm^ / hm{Z`m| _| _yb H$nZr Ho$ eoà H$m g_m`moOZ, amOd [aOd Ho$ gmW {H$`m OmVm h&
AZwfJr gWm Ho$ n[aMmbZ Ho$ {Zdb n[aUm_ Ama AmpV _| JmU Ae go bm^ Ed {Zdb AmpV`m| H$m dh Ae X`mo{VV h Omo JmU Aem| H$mo Xo` h&
ys[kkdj.k ekud (,,l)& 23 ] tks fd vlksfl,V ds ys[kk ijhf{kr foRRkh; fooj.kksa ds vk/kkj ij vkbZlh,vkbZ }kjk tkjh lesfdr foRrh;
fooj.kksa esa vlksfl,V esa fuoskksa ds fy, ys[kkdj.k ds vuqlkj vuqfafx;ksa esa fuoskksa dks bZfDoVh rjhds ds vanj ys[kkc) fd;k tkrk gSA
n[a_mUm_H$ nH$Q>rH$aU
bmJy Zht
gmaUr S>rE\$ - 2
nyOr gaMZm
JwUm_H$ nH$Q>rH$aU
H$) {Q>à-I nyOr _| B{$Q>r eoà nyOr Ama n{n`wAb Ja gM`r A{Y_m` eoà nyOr em{_b h rFkk [aOd ftlesa, gm{d{YH$ [aOd, nyOr Ed amOd [aOd, eoà
nr{_`_ Ama bm^ d hm{Z boIo _o eofam{e em{_b h&
I) {Q>à-2 nyOr _| nwZ_y`mH$Z [aOd, {Q>à-II ~mS> - 6.15% Ama 6.25% ij g~Am{S>ZoQo>S> F$U Ed gm_m` nmdYmZ em{_b h&
n[a_mUm_H$ nH$Q>rH$aU : 31.03.2009 H$mo (EH$b gmd^m{_H$ pW{V)
{Q>à-I nyOr
nXV bZfDoVh eoà nyOr
n{nAb Ja gM`r A{Y_m` eoà nyOr
[aOd
Hw$b {Q>à - I
180
(. H$amoS>m| _|)
429.77
400.00
5035.17
5864.94
ADDITIONAL DISCLOSURES IN TERMS OF COMPLIANCE OF

BASEL II REQUIREMENTS AS STIPULATED BY RESERVE BANK OF INDIA
Table DF 1
Scope of Application
Qualitative Disclosures
The framework applies to Indian Bank
i) The revised capital adequacy norms (in conformity with Basel II Pillar 3 requirements) applies to Indian Bank at the
solo level (global position).
ii) The nancial statements are prepared by following the going concern concept on historical cost convention and
conform to the statutory provisions and practices prevailing in India in respect of Indian branches and in respect of
foreign branches as per statutory provisions and practices prevailing in the respective countries, unless otherwise
stated.
iii) The Bank has the following three subsidiaries namely (a) IndBank Merchant Banking Services Ltd, (b) Ind Bank Housing
Ltd. and (c) Indfund Management Ltd. and three associates namely (i) Pallavan Grama Bank, (ii) Saptagiri Grameena
Bank and (iii) Puduvai Bharathiar Grama Bank
Consolidated nancial statements of the group (parent, its subsidiaries and associates) have been prepared on the basis
of audited nancial statements of Indian Bank (parent) and its subsidiaries, combined on line by line basis adding together
like items of assets, liabilities, income and expenses, after eliminating intra group transactions and unrealized prot /
losses and making necessary adjustments wherever required to conform to the uniform accounting policies. The nancial
statements of the subsidiaries are drawn up the same reporting date of the parent.
The difference between the cost to the parent of its investment in subsisidary entity and the parents portion of its equity
in the subsidiary with reference to the date of acquisition is recognized in the nancial statements as Capital reserve and
Goodwill. The parents share of the post acquisition of prots / losses is adjusted against the Revenue Reserve.
The minority interest in the net result of the operation and the asset of the subsidiary, represent that part of prot and the
net asset attributable to the minorities.
Investments in Associates are accounted for under Equity method as per Accounting Standards (AS) 23 Accounting for
investments in Associates in Consolidated Financial Statements issued by ICAI based on the audited Financial Statements
of the Associates.
Quantitative Disclosures
NA
Tabel DF 2
Capital Structure
Qualitative Disclosures:
a) Tier 1 Capital includes Equity Share capital and
Perpetual Non-cumulative Preference Share capital, Reserve comprising

of Statutory reserves, capital and revenue reserves, share premium and Balance in Prot and Loss account
b)Tier 2 Capital consists of the Revaluation Reserves, Tier II Bonds Subordinated debt @6.15% and 6.25% and general
provisions.
Quantitative Disclosures: (Solo Global Position) as on 31 03 2009
Tier 1 Capital
(Rs. in Crore)
Paid up Equity Share Capital
429.77
Perpetual Non cumulative Preference Share Capital
400.00
Reserves
5035.17
Total Tier 1
5864.94
181
Q>à-2 nyOr H$s am{e

g~Am{S>ZoQ> F$U (.83.96 H$amoS> @ 6.15% Ed .90.10 H$amoS> @ 6.25% )
gm_m` nmdYmZ
nwZ_y`mH$Z [aOd
Hw$b {Q>à 2
Hw$b {Q>à - I vkSj Hw$b {Q>à 2 nyOr
174.06
295.06
565.03
1034.15
6899.09
JwUm_H$ nH$Q>rH$aU (g_o{H$V pW{V)

nXV B{$Q>r eoà nyOr
n{nAb Ja gM`r A{Y_m` eoà nyOr
[aOd
KQ>mE AmW{JV H$a AmpV
Hw$b {Q>à - I
429.77
400.00
5140.29
16.37
5953.69
{Q>à-2 nyOr H$s am{e

g~Am{S>ZoQ> F$U (.83.96 H$amoS> @ 6.15% Ed . 90.10 H$amoS> @ 6.25% )
gm_m` nmdYmZ
nwZ_y`mH$Z [aOd
Hw$b {Q>à-1
Hw$b {Q>à-1 Ed {Q>à-2 nyOr
gmaUr S>rE\ -
174.06
271.92
565.02
1011.00
6964.69
nyOr n`mVm
JwUm_H$ nH$Q>rH$aU
~H$ EH$b VWm g_o{H$V XmoZm| Vam| na 9 n{VeV go A{YH$ H$m grAmaEAma VWm 6 n{VeV go A{YH$ H$m {Q>à 1 grAmaEAma aIVm h&
~H$ {ddoH$s Va go D$na gemo{YV T>mMo Ho$ AZwgma Ano{jV `yZV_ nyOr ~ZmE aIVm h, Omo {ZZ{b{IV tks vf/kd gS] mlds vuqlkj gS %&
(H$) gemo{YV T>mMo Ho$ AZwgma Ano{jV `yZV_ nyOr&
(I) ~ogob 1 T>mMo Ho$ AZwgma Ano{jV `yZV_ nyOr H$m 90 n{VeV
F$U Omo{I_ hoVw nyOr Amd`H$VmE
- _mZH$sH$V A{^J_ Ho$ AX`YrZ g{d^mJ
- n{V^y{VH$aU F$U
(J) ~mOma Omo{I_ hoVw nyOr Amd`H$VmE
_mZH$sH$V Ad{Y A{^J_
- `mO Xa Omo{I_
- {dXoer {d{Z_` Omo{I_ (dU g{hV)
- B{$Q>r Omo{I_
(K) n[aMmbZJV Omo{I_ hoVw nyOrJV Amd`H$VmE
_yb gyMH$ A{^J_
182
. 3807.35 H$amoS>
ey`
. 220.43 H$amoS>
. 7.20 H$amoS>
. 65.95 H$amoS>
. 341.59 H$amoS>
Tier 2 Capital
(Rs. in Crore)
Subordinate Debt (Rs. 83.96 Cr @ 6.15% and Rs.90.10 Cr @ 6.25%)
174.06
General Provisions
295.06
Revaluation Reserves
565.03
Total Tier 2
1034.15
Total Tier 1 and Tier 2 Capital
6899.09
Quantitative Disclosures: (Consolidated Position)

Tier 1 Capital
(Rs. in Crore)
Paid up Equity Share Capital
429.77
Perpetual Non cumulative Preference Share Capital
400.00
Reserves
5140.29
Less Deferred Tax Asset
16.37
Total Tier 1
5953.69
(Rs. in Crore)
Tier 2 Capital
Subordinate Debt (Rs.83.96 Cr @ 6.15% and Rs.90.10 Cr @ 6.25%)
174.06
General Provisions
271.92
Revaluation Reserves
565.02
Total Tier 2
1011.00
Total Tier 1 and Tier 2 Capital
6964.69
Table DF 3
Capital Adequacy
Bank maintains at both solo and consolidated level CRAR of more than 9% and Tier 1 CRAR of more than 6%.
The Bank maintains the minimum capital required as per Revised Framework above the Prudential oor viz higher of
(a) Minimum capital required as per the Revised Framework;
(b) 90% of the minimum capital required as per Basel 1 framework.
Quantitative disclosures
(a) Capital requirements for credit risk:
-- Portfolios subject to standardized approach
-- Securitization exposures
Rs.3807.35 Cr
NIL
(b) Capital requirements for market risk:

Standardized duration approach;
-
-- Interest Rate Risk
Rs. 220.43 Cr
-- Foreign Exchange Risk (including gold)
Rs.
-- Equity Risk
Rs. 65.95 Cr
7.20 Cr
(c) Capital requirements for operational risk:

Basic Indicator Approach
Rs.341.59 Cr
183
(L>) Hw$b VWm {Q>à 1 nyOr AZwnmV (EH$b - gmd^m{_H$)

gdm} g_o{H$V g_yh hoVw Hw$b
{Q>à 1
_hdnyU ~H$ AZwf{J`m| hoVw (Q>S> AbmoZ AWdm Cn g_o{H$V, T>mMo Ho$ bmJy homZo Ho$ AmYma na)
13.98 n{VeV
11.88 n{VeV
14.09 n{VeV
12.05 n{VeV
~ogob 1 Ho$ AZwgma, Hw$b VWm {Q>à 1 nyOr AZwnmV (EH$b gmd^m{_H$) -13.27 n{VeV VWm 11.28 n{VeV tks ~ogb II go H$_ h& ~ogob 1 Ho$ AZwgma grAmaEAma H$mo
{ddoH$s Va VWm boIm| na {Q>n{U`m| _| nH$Q> {H$E JE AZwgma {b`m J`m h&
~ogob 1 Ho$ AZwgma, Hw$b VWm {Q>à 1 nyOr AZwnmV (gmo{H V) -13.38 n{VeV VWm 11.44 n{VeV tks ~ogb II go H$_ h& ~ogob 1 Ho$ AZwgma grAmaEAma H$mo {ddoH$s
Va na [mmma H aVo hxE [H `m J`m h&
gmaUr S>rE\ - 4
F$U Omo{I_ g^r ~H$m| hoVw gm_m` nH$Q>rH$aU
JwUm_H$ nH$Q>rH$aU
~H$ Zo$ Am` A{^kmZ VWm AmpV dJuH$aU _mZXS>m| hoVw {d{Z`m_H$ mam n[a^m{fV {nN>bo ~H$m`m VWm AZ{_V n[a^mfmAm| H$mo ( boImH$aU Ho$ n`moOZmW ) AnZm`m h&
~H$ Zo F$U Omo{I_ n~YZ Zr{V bmJy H$s h Ama Bgo g^r emImAm| H$mo n[aMm{bV {H$`m J`m h& Zr{V H$m _w` CXXo` `h gw{ZpMV H$aZm h {H$ n[aMmbZ n~YZ H$s n`mem
Ho$ AZw$n h, VWm C n~YZ$ H$s aUZr{V`m| H$mo n[aMmbZ Va na gmWH$ {ZXoem| Ho$ $n _| nhMm`m J`m h& `h Zr{V ~So> F$U EnmoOa, F$U gnmpdH$ hoVw _mZH$, nmoQ>\$mo{b`mo
n~YZ F$U gdrjm V, Omo{I_ gHo$XrH$aU, Omo{I_ {ZJamZr VWm _y`mH$Z, nmdYmZrH$aU VWm {d{Z`m_H$ / {d{YH$ AZwnmbZ na {ddoH$s gr_mAm| H$mo {ZpMV H$aVr h&
~H$ CZ Omo{I_m| H$so nhMmZ H$aVm h Omo CZH$mo n^m{dV H$aVo h VWm BZ Omo{I_m| Ho$ _mn, {ZJamZr VWm {ZÙ Ho$ {bE C{MV mik;ksa H$m n`moJ H$aVm h&
Ohm ~moS> / ~moS> H$s Omo{I_ n~Y Z g{_{V Zr{V V`ma H$aVr h VWm {d{^Z F$U Omo{I_ n^md H$mo {ZYm[aV H$aVr h, F$U Omo{I_ n~Y Z g{_{V ~moS> / AmaE_gr mam AZw_mo{XV BZ Zr{V`m|
Ed aUZr{V`m| H$mo H$m`mpdV H$aVr h, ~H$ `mnH$ AmYma na F$U Omo{I_ H$s {ZJamZr H$aVm h VWm Omo{I_ gr_mAm| H$m AZwnmbZ gw{ZpMV H$aVm h&
~H$ (H$) EH$b VWm gm_y{hH$ CYmaH$VmAm| hoVw EgnmoOa gr_m {ZYmaU (I) aoqQ>J JoS> gr_m (J) CX`moJdma EgnmoOa gr_m VWm (K) nyao _S>bm| _| F$Um| Ho$ ^mJmo{bH$ g{dVaU
Ho$ {dbofU mam Omo{I_ gHo$XrH$aU H$m A``Z H$aVm h& g^r _S>bm| H$mo Mma IS>m| _| dJuH$V {H$`m J`m h, `Wm CVa, X{jU, nyd Ed npM_&
~H$ {H$gr ^r CYmaH$Vm go g~{YV F$U Omo{I_ H$m _mn H$aZo Ho$ {bE CYma ImVo H$s aoqQ>J H$mo EH$ _hdnyU CnH$aU _mZVm h Ama VXZwgma ~H$ _| EH$ {Am`m_r` F$U aoqQ>J
nUmbr ew: H$s JB Wr& {d{^Z IS>m| Ho$ {bE ~|H$ H$s Amd`H$VmAm| Ho$ {bE Cn`wV EH$ gmQ>doà Mm{bV aoqQ>J / H$mo[aJ _mS>b H$Q>_mBO {H$`m J`m h Ama emImAm| /
_S>b H$m`mb`m| _| n[aMm{bV {H$`m J`m h&
JwUm_H$ nH$Q>rH$aU
(I) Hw$b gH$b F$U Omo{I_ Enmoma AbJ AbJ go {Z{Y AmYm[aV Ed Ja-{Z{Y AmYm[aV
gH$b F$U Omo{I_ Enmoma
{Z{Y AmYm{aV
F$U Ed A{J_
{Zdoe
A` AmpV`m
Hw$b {Z{Y AmYm{aV
AmH$p_H$ Ho${S>Q>, g{dXmE VWm `wnZ H$mo em{_b H$aHo$ Ja {Z{Y AmYm[aV
Hw$b F$U Omo{I_ Enmoea
(J) Egnmoa H$m ^mJmo{bH$ {dVaU, AbJ AbJ go {Z{Y AmYm[aV Ed Ja-{Z{Y AmYm{aV AmodagrO
(. H$amoS>m| _|)
emIm
{Z{Y AmYm[aV
vkdfLed _.k] lafonk,a rFkk O;qRiUu g{hV
Ja-{Z{Y AmYm[aV
2723.30
1980.72
qgJmnwa
246.36
240.45
H$mob~mo
184
(. H$amoS>m| _|)
51830.64
15491.69
9855.89
77178.22
32841.65
110019.87
Hw$b
4704.02
486.81
(d) Total and Tier 1 capital ratio: (Solo Global)
13.98%
11.88%
For the top consolidated group; Total

Tier 1
14.09%
12.05%
For signicant bank subsidiaries (stand alone or sub-consolidated depending on how the Framework is applied).
As per Basel 1, the Total and Tier 1 Capital Ratio (Solo-Global) 13.27% and 11.28% is lower than Basel II, CRAR as per Basel
1 is taken considering the prudential oor and as disclosed in the Notes on Accounts.
As per Basel 1, the Total and Tier 1 Capital Ratio (consolidated) 13.38% and 11.44% is lower than Basel II, CRAR as per Basel
1 is taken considering the prudential oor.
Table DF 4
Credit Risk : General disclosures for all banks
Bank has adopted the denitions of the past due and impaired (for accounting purposes) as dened by the regulator for
Income Recognition and Asset Classication norms.
The Bank has put in place the Credit Risk Management Policy and the same has been circulated to all the branches.
The main objective of the policy is to ensure that the operations are in line with the expectation of the management and the
strategies of the top management are translated into meaningful directions to the operational level. The Policy stipulates
prudential limits on large credit exposures, standards for loan collateral, portfolio management, loan review mechanism, risk
concentrations, risk monitoring and evaluation, provisioning and regulatory / legal compliance.
The Bank identies the risks to which it is exposed and applies suitable techniques to measure, monitor and control these risks.
While the Board / Risk Management Committee of the Board devises the policy and xes various credit risk exposures, Credit
Risk Management Committee implements these policies and strategies approved by the Board / RMC, monitors credit risks
on a bank wide basis and ensures compliance of risk limits.
The Bank studies the concentration risk by (a) xing exposure limits for single and group borrowers (b) rating grade limits (c)
industry wise exposure limits and (d) analyzing the geographical distribution of credit across the circles. All the circles are
categorized under four segments namely North, South, East and West.
The Bank considers rating of a borrowal account as an important tool to measure the credit risk associated with any borrower
and accordingly a two dimensional credit rating system was introduced in the Bank. Software driven rating / scoring models
for different segments have been customized to suit the Banks requirements and the same have been rolled out to the
branches / Circle ofces.
(a)Total gross credit risk exposures, Fund Based and Non-fund based separately.
(Rs. in Crore)
Gross Credit Risk Exposures
Fund Based
Loans and Advances
51830.64
Investments
15491.69
Other Assets
9855.89
Total Fund Based
77178.22
Non Fund Based including contingent credit, contracts and derivatives
32841.65
Total Credit Risk Exposure

(b) Geographic distribution of exposures , Fund Based and Non-fund based separately
Overseas
Branch
Fund Based
Non Fund Based including contingent

credit, contracts and derivatives
110019.87
(Rs. in Crore)
Total
Singapore
2723.30
1980.72
4704.02
Colombo
246.36
240.45
486.81
185
(?k) Xoer vfxzeksa dk HkkSxksfyd forj.k

^mJmo{bH$ jo
Hw$b
am{e (. H$amoS> _|)
2884.01
11273.14
5483.62
29220.21
48860.98
nyd
npM_
CVa
X{jU
Hw$b
K) 31.03.2009 H$mo Enmoeam| H$m CmoJ dma {dVaU ({Z{Y AmYm[aV Ed Ja-{Z{Y AmYm{aV)
H$_mH$
1.
2.
H$)
I)
J)
P)
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
186
CX`moJ H$m Zm_

hram g{hV ZdaZ Ed Ooda
AmYm[aH$ gaMZm
nmda
nmoQ> / gS>H$
Qo>brH$m_
A` AmYm[aH$ gaMZm
noQ>mo{b`_ Ed noQ>mo{b`_ CnmX
d
MrZr
bmohm Ed BnmV
g^r BOr{Z`{aJ
AmfYr` Ed agm`Z
ImX` ggmYZ (H$mOy, ImX` Vob Ed dZn{V g{hV)
H$mobar Ed _qZJ
CdaH$
{g_|Q> Ed {g_|Q> CnmX
M_S>m Ed M_S>m CnmX
BboQ>m{ZH$ Ed H$`yQ>a (hmS>doà Ed gmQ>doà)
Mm` / H$m\$s
H$Q>eZ H$mQ>mQ>g
a~S>, bmpQ>g Ed A` CnmX (Q>mà g{hV)
AmQ>mo_mo~Bb (dmhZ, dmhZ nwO} Ama n[adhZ CnH$a)
_mXH$ no` Ed V~mHy$
bH$S>r Ed bH$S>r CnmX
H$mJO Ed H$mJO CnmX
bg Ed bgdoà
A` YmVw Ed YmVw CnmX
_wXU Ed nH$meZ
{d_mZZ
_r{S>`m Ed _ZmoaOZ
g^ma V
OhmO {Z_mU
`mnma(\w$Q>H$a `mnma Ho$ Abmdm )
EZ~rE\$gr
dm{Up`H$ [a`b EQo>Q>
nyOr ~mOma
5.90
23.07
11.22
59.81
100.00
(. H$amoS>m| _|)
~H$m`m
{Z{Y AmYm[aV
Ja {Z{Y AmYm[aV
65.85
201.32
3242.44
1174.21
1653.71
1199.01
784.87
2147.76
772.38
1831.75
854.08
371.74
661.03
152.37
113.25
744.18
121.97
411.79
36.59
450.83
149.68
613.87
83.57
100.49
317.89
124.90
522.66
64.19
633.14
399.40
119.68
67.97
1277.66
1182.96
4181.11
760.56
561.30
513.98
25.72
45.66
380.80
103.91
88.28
318.16
506.43
93.78
67.13
40.34
0.11
90.21
21.82
137.66
0.30
1562.29
86.86
44.79
7.57
37.15
27.96
19.32
0.68
14.13
23.89
49.09
18.42
203.24
509.05
91.01
96.28
144.10
n{V~XY F$U
432.72
6672.41
2802.25
1989.13
1816.78
4434.04
2962.15
1046.33
3092.37
2105.33
723.19
1076.80
260.69
231.95
1689.69
186.05
1061.65
69.34
2688.76
349.56
878.53
189.70
180.56
401.63
267.89
855.28
118.31
716.14
648.74
262.86
550.48
3234.46
2114.90
6137.08
982.01
(c) Geographic distribution of Domestic Advances

Geographical Region
Total
Amount (Rs. in Crore)
EAST
2884.01
5.90
WEST
11273.14
23.07
5483.62
11.22
NORTH
SOUTH
29220.21
59.81
TOTAL
48860.98
100.00
(d) Industry-wise distribution of domestic exposures (fund based and non-fund based) as on 31 03 2009
S.No.
Name of the Industry
1.
2.
a)
b)
c)
d)
3.
4.
5.
6.
7.
8.
9.
10
11
12
13
14
15
16
17
18
19
Gems and Jewellery including Diamond

Infrastructure
Power
Ports / Roads
Telecom
Other infrastructure
Petroleum and Petroleum Products
Textiles
Sugar
Iron & Steel
All Engineering
Pharmaceuticals & Chemicals
Food Processing (including Cashew, Edible Oils & Vanaspati)
Colliery & Mining
Fertilizer
Cement & Cement Products
Leather & leather products
Electronics & Computers (Hardware& software)
Tea / Coffee
Construction contractors
Rubber, Plastics and their products (including tyre)
Automobiles (Vehicles, Vehicle Parts & Transport Equipments)
Beverages and Tobacco
20
21
22
23
Wood and Wood Products

Paper and Paper Products
Glass and Glassware
Other metal and metal products
24
Printing and Publishing
25
26
27
Outstanding
Fund Based Non Fund Based
65.85
201.32
(Rs. in Crore)
Commited
Exposure
432.72
3242.44
1174.21
1653.71
1199.01
784.87
2147.76
772.38
1831.75
854.08
371.74
661.03
152.37
113.25
744.18
121.97
411.79
36.59
450.83
149.68
613.87
83.57
561.30
513.98
25.72
45.66
380.80
103.91
88.28
318.16
506.43
93.78
67.13
40.34
0.11
90.21
21.82
137.66
0.30
1562.29
86.86
44.79
7.57
6672.41
2802.25
1989.13
1816.78
4434.04
2962.15
1046.33
3092.37
2105.33
723.19
1076.80
260.69
231.95
1689.69
186.05
1061.65
69.34
2688.76
349.56
878.53
189.70
100.49
317.89
124.90
522.66
37.15
27.96
19.32
0.68
180.56
401.63
267.89
855.28
64.19
14.13
118.31
Aviation
Media and Entertainment
633.14
399.40
23.89
49.09
716.14
648.74
Logistics
119.68
18.42
262.86
28
Ship Building
67.97
203.24
550.48
29
Trade (Other than retail trade)
1277.66
509.05
3234.46
30
31
NBFC
Commercial Real Estate
1182.96
4181.11
91.01
96.28
2114.90
6137.08
32
Capital Market
760.56
144.10
982.01
187
(S>.) A{J_m| Ed {Zdoem| H$m Ad{e> g{dXmJV n[anDoVm {dbofU - gmd^m{_H$

(
{ddaU
1-14 {XZ
15-28 {XZ
29 {XZ-3_
>3_ -6 _
6_-1
1 d - 3 df
3d -5 df
5 df
. H$amoS>m| _|)
Hw$b
df
A{J_
{Zdoe
2794.42
1849.90
5733.94
3269.93
5593.75
17287.75
6734.24
8201.35
51465.27
1550.18
949.79
1707.99
2176.75
4584.58
6801.99
874.01
4155.28
22800.57
. H$amoS>m| _|
(M) EZnrE H$s am{e (gH$b) -- gmd^m{_H$
Ad_mZH$
g{XY 1
g{XY 2
g{XY 3
hm{Z
(N>) {Zdb EZnrE
(O) EZnrE AZwnmV
gH$b EZnrE go gH$b A{J_
{Zdb EZnrE go {Zdb A{J_
(P) EZnrE H$m MbZ (gH$b)
AWeof
OmoS>
H$_r
AVeof
(m) EZnrE hoVw nmdYmZ H$m MbZ
AWeof
df Ho$ XmamZ {H$E JE nmdYmZ
~Q>Qo>ImVo _| S>mbZo / E`ygr H$mo AV[aV Ed A{V[aV nmdYmZm| H$m dmng {b`m OmZm
AVeof
(Q>) Ja {ZnmXH$ {Zdoem| H$s am{e
(R>) Ja {ZnmXH$ {Zdoe am{e hoVw aIo JE nmdYmZ
(S>) {Zdoem| na _y`hmg hoVw nmdYmZm| H$m MbZ
AWeof
df Ho$ XmamZ {H$E JE nmdYmZ
~Q>Qo>ImVo _| S>mbZm
A{V[aV nmdYmZm| H$m dmng {b`m OmZm
AVeof
188
459.18
142.51
142.88
102.26
32.07
39.46
93.81
0.89
0.18
486.87
228.93
256.62
459.18
219.60
16.29
40.39
195.50
24.11
24.11
205.24
202.65
41.27
366.62
(e) Residual contractual maturity breakdown of advances and investments Global

Details
1-14
Days
15-28
Days
29Days- 3
Months
>3M - 6
Months
>6 M - 1
Year
>1 Y
3Years
(Rs. in Crore)
>3 Y
-5Years
>5 Years
Total
Advances
2794.42
1849.90
5733.94
3269.93
5593.75
17287.75
6734.24
8201.35
51465.27
Investments
1550.18
949.79
1707.99
2176.75
4584.58
6801.99
874.01
4155.28
22800.57
(Rs. in Crore)
(f) Amount of NPAs (Gross) - Global
459.18
Substandard
142.51
Doubtful 1
142.88
Doubtful 2
102.26
Doubtful 3
32.07
Loss
39.46
(g) Net NPAs
93.81
(h) NPA Ratios

Gross NPAs to gross advances
0.89
Net NPAs to net advances
0.18
(i) Movement of NPAs (Gross)

Opening Balance
486.87
Additions
228.93
Reductions
256.62
Closing Balance
459.18
(j) Movement of provisions for NPAs

Opening Balance
219.60
Provisions made during the period
16.29
Write Off / Tr to AUC & Write-back of excess provisions
40.39
Closing balance
195.50
(k) Amount of Non-Performing investments
24.11
(l) Amount of Provisions held for non-performing investments
24.11
(m) Movement of provisions for depreciation on investments

Opening balance
205.24
Provisions made during the period
202.65
Write-off
Write-back of excess provisions
Closing balance
41.27
366.62
189
gmaUr S>rE\ - 5
F$U Omo{I_ _mZH$ A{^J_ Ho$ AX`YrZ g{d^mJm| hoVw nH$Q>rH$aU
JwUm_H$ nH$Q>rH$aU
~H$ Zo ^maVr` [aOd ~H$ mam A{^nhMm{ZV Mma Xa {ZYmaU A{^H$aUm| Ho$ gmW E_Amo`y {H$`m h& Zm_V H$) H$mB{gb I) BH$m J) Ho$a Ama K) {\$Q>M Vm{H$ CYmaH$Vm
JmhH$m| Xa {ZYmaU gsrq vuqjks/k H$a gH|$&
CnbY ~mhar Xa {ZYmaUm| dso D$na d muds A{V[aV ~H$, {d{Z`m_H$ {Xem{ZX}em| _| Xr JB AZw_{V Ho$ AZwgma, B`y AmYm[aV ~mhar Xa {ZYmaUm| Ho$ _ooqnJ na ^r âmogm
H$aVm h& H$mnm}aoQ>m| na A` Xmdo xSj nj&fu/kkZfjr _mZo OmVo h&
_mZH$ A{^J_ Ho$ VhV F$U Omo{I_ e_Z Ho$ ~mX {d^m{OV Hw$b F$U Omo{I_ Egnmoea (gmaUr 4 Ho$ AZwgma) {ZZmZwgma h
. H$amoS>m| _|
{ddaU
100 n{VeV Omo{I_ ^ma Ho$
100 n{VeV Omo{I_ ^ma
100 n{VeV go A{YH$
~hr _y`
2977.81
51830.64
ZrMo
{Z{Y AmYm[aV
F$U d A{J_
{Zdoe
A` AmpV`m
Hw$b {Z{Y AmYm[aV
Ja {Z{Y AmYm[aV {Og_|
nmg{JH$ F$U lafonk,a
vkSj O;qRiUu em{_b h
Hw$b F$U Omo{I_
Egnmoea
Hw$b `msJ
~hr _y`
Omo{I_
^m[aV _y`
~hr _y`
Omo{I_
^m[aV _y`
Omo{I_ ^ma
~hr _y`
Omo{I_
^m[aV _y`
27274.05
11898.79
20095.94
19746.65
4460.65
15189.61
24.64
295.49
167.66
6.59
9.86
15491.69
202.16
7947.04
98.41
1908.85
1806.55
0.00
0.00
9855.89
1904.96
50410.70
12021.84
22300.28
21720.86
4467.24
2987.67
77178.22
36730.37
17290.66
1505.57
14674.54
3765.98
876.46
301.96
32841.66
5573.51
67701.36
13527.41
36974.82
25486.84
5343.70
3289.63
110019.88
42303.88
Omo{I_ ^m[aV
_y`
34623.25
gmaUr S>rE\ - 6
F$U Omo{I_ {ZdmaU - _mZH$sH$V A{^J_m| hoVw nH$Q>rH$aU
JwUm_H$ nH$Q>rH$aU
~H$ Zo (H$) F$U Omo{I_ {ZdmaU VWm ~ogob&& / ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ ^md H$mo `mZ _| aIVo hE C{MV gnmpdH$ H$s nhMmZ na OmJH$Vm ~T>mZo VWm (I)
~ogob&& / ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| _| {ZYm[aV A{^J_ Ho$ AZwgma nyOr n^ma Ho$ n[aH$bZ _| F$U Omo{I_ {ZdmaU H$mo B>V_ ~ZmZo Ho$ nmW{_H$ CXXo` go F$U Omo{I_
{ZdmaU VWm gnmpdH$ n~YZ Zr{V bmJy H$s h&
~H$ gmYmaUV F$U gh^m{JVm, EnmoOa H$s CV_ gr_m, EH$mo n{V, dm`Xm H$da, CVa _m{OZ, F$U ng{dXmAm|, gnmpdH$ VWm ~r_m H$da Ogo F$U {ZdmaU
VH$ZrH$m| na âmogm H$aVm h&
F$U Omo{I_ n~YZ Zr{V _| {dVV $n go _y`mH$Z H$s n{V Xr JB h&
~H$ n`m ZoQ>dW dmbo d`pVH$m| VWm H$mnm}aoQ>m| go Jma{Q>`m drH$ma H$aVm h& Ho$db H$mCQ>a nmQ>u Ho$ ~OmE `yZV_ Omo{I_ ^ma dmbr gWmAm| mam Omar Jma{Q>`m drH$ma H$s
OmEJr, Vm{H$ H$mCQ>a nmQ>u F$U hoVw gwajm nm hmo&
F$U Omo{I_ {ZdmaU _| Omo{I_ gH|$XrH$aU {ZdmaU hoVw `mo` g^r nH$ma H$s n{V^y{V`m AmgmZr go dgybr `mo` {dVr` n{V^y{V`m h& Bg H$maU go, ~H$ mam _m`Vm nm
F$U Omo{I_ {ZdmaH$m| _| F$U gH|$XrH$aU H$mo hQ>mZo Ho$ {bE dV_mZ _| H$moB gr_m / CV_ gr_m {ZYm[aV Zht H$s JB h&
_mZH$sH$V A{^J_ Ho$ VhV, nH${Q>V F$U Omo{I_ g{d^mJ hoVw, Hw$b Omo{I_ Omo {H$ H$mQ>-N>mQ> Ho$ ~mX `mo` {dVr` gnmpdH$ mam H$da {H$`m OmVm h
. H$amoS>m| _|
4063.34
O_mE
2855.07
gmoZo Ho$ Ooda
150.72
EZEggr/EbAmBgr/`wMwAb \$S> `y{ZQ>
190
Table DF 5
Credit Risk : disclosures for portfolios subject to the standardized approach
The Bank has entered into MOU with four Rating Agencies identied by Reserve Bank of India namely a) CRISIL b) ICRA
c) CARE and d) FITCH to facilitate the borrower customers to solicit the ratings.
Over and above the External ratings wherever available, the Bank also relies on mapping of issue based external ratings
as permitted in the regulatory guidelines. The rest of the claims on corporates are treated as unrated.
The total credit risk exposure (as in Table 4) bifurcated after the credit risk mitigation under Standardized Approach is as
under:
(Rs. in Crore)
Particulars
Below 100% Risk

Weight
100% Risk Weight
Book
Value
Book
Value
Risk
Weighted
value
Risk
Weighted
value
More than 100%

Risk Weight
Book
Value
Risk
Weighted
value
Grand Total
Book
Value
Risk
Weighted
value
Fund Based
Loans and Advances
27274.05
11898.79
20095.94
19746.65
4460.65
2977.81
51830.64
Investments
15189.61
24.64
295.49
167.66
6.59
9.86
15491.69
34623.25
202.16
Other Assets
7947.04
98.41
1908.85
1806.55
0.00
0.00
9855.89
1904.96
Total Fund Based
50410.70
12021.84
22300.28
21720.86
4467.24
2987.67
77178.22
36730.37
Non Fund Based including

Contingent Credit.
17290.66
1505.57
14674.54
3765.98
876.46
301.96
32841.66
5573.51
Total Credit Risk Exposure
67701.36
13527.41
36974.82
25486.84
5343.70
3289.63
110019.88
42303.88
Table DF 6
Credit Risk Mitigation : disclosures for standardized approaches
The Bank has put in place Credit Risk Mitigation and Collateral Management Policy with the primary objective of a)
Mitigation of credit risks and enhancing awareness on identication of appropriate collateral taking into account the spirit
of Basel II / RBI guidelines and (b) Optimizing the benet of credit risk mitigation in computation of capital charge as per
approaches laid down in Basel II / RBI guidelines.
The Bank generally relies on Risk Mitigation techniques like Loan participation, Ceiling on Exposures, Escrow mechanism,
Forward cover, higher margins, loan covenants, Collateral and insurance cover.
Valuation methodologies are detailed in the Credit Risk Management Policy.
Bank accepts guarantees from individuals with considerable networth and the Corporates. Only guarantees issued
by entities with a lower risk weight than the counterparty shall be accepted to get the protection for the counterparty
exposure.
Concentration Risk in Credit Risk Mitigation: All types of securities eligible for mitigation are easily realizable nancial
securities. As such, presently no limit / ceiling has been prescribed to address the concentration risk in credit risk mitigants
recognized by the Bank.
For disclosed credit risk portfolio under the standardized approach, the total exposure that is covered by eligible nancial
collateral after the application of haircuts:
(Rs. in Crore)
Deposits
4063.34
Gold Jewels
2855.07
NSC/LIC/Units of Mutual Fund
150.72
191
gmaUr S>rE\ - 7
n{V^y{VH$aU _mZH$ A{^J_ hoVw nH$Q>rH$aU
JwUm_H$ nH$Q>rH$aU
~H$ Zo H$moB n{V^y{VH$aU {H$`mH$bmn dhZ Zht {H$`m h&
_mm_H$ nH$Q>rH$aU
ey`
gmaUr S>rE\ - 8
`mnma ~hr (Qo>qS>J ~wH$) _| ~mOma Omo{I_
JwUm_H$ nH$Q>rH$aU
`mnma ~hr _| ~mOma Omo{I_ H$m _y`mH$Z _mZH$ Ad{Y nUmbr mam {H$`m OmVm h& EME\$Q>r Ama EE\$Eg hoVw nyOr n^ma H$s JUZm ^maVr` [aOd ~H$ Ho$ {ddoH$s
{Xem{ZX}em| Ho$ AZwgma H$s OmVr h&
_mm_H$ nH$Q>rH$aU
(I) {ZZ hoVw nyOr Amd`H$VmE
. H$amoS>m| _|
220.43
`mO Xa Omo{I_
65.95
B{$Q>r pW{V Omo{I_ Ama

fonskh fofue; tksf[ke
7.20
gmaUr S>rE\ - 9
n[aMmbZm_H$ Omo{I_
JwUm_H$ nH$Q>rH$aU
n[aMmbZm_H$ Omo{I_ hoVw nyOr n^ma H$m AmH$bZ _yb gHo$VH$ A{^J_ Ho$ AmYma na {H$`m OmVm h& ZE nyOr n`mVm T>mMo g~Yr {Xem{ZX}em| _| n[a^m{fV {H$E JE
AZwgma gH$b Am` H$s AmgV _| {nN>bo VrZ dfm} AWmV 2007-08, 2006-07 Ed 2005-06 H$mo nyOr n^ma AmH$bZ hoVw {hgm~ _| {b`m OmVm h& Amd`H$
nyOr 341.59 H$amoS> h&
gmaUr S>rE\$ S>rE\ - 10

~qH$J ~hr _| `mO Xa Omo{I_ (AmBAmaAma~r~r)
JwUm_H$ nH$Q>rH$aU
OwSo> hE dH$pnH$ Omo{I_(O_mAm| H$s g_`nyd ~Xr) H$m A``Z {H$`m OmVm h Ama `mO Xa gdoXZerbVm {dbofU _| \$Q>a {H$`m OmVm h& `mO Xa gdoXZerbVm
Ho$ AmYma na ~qH$J ~hr _| `mO Xa Omo{I_ H$m A``Z _m{gH$ AmYma na {H$`m OmVm h& Omo{I_ na H$_mB H$m AmH$bZ pWa pW{V _| nman[aH$ Jn {dbofU Ho$
AmYma na {H$`m OmVm h& B{$Q>r H$m ~mOma _y` (E_drB) H$m AmH$bZ, Ad{Y Jn {dbofU H$mo AnZmH$a H$s OmVr h&
n~YZ H$s nUmbr Ho$ VXZwgma D$dJ_r d AYmoJm_r aoQ> emg hoVw, H$_mB Ama Am{WH$ _y` (AWdm n~YZ mam n`wV g~{YV _mn) _| d{ ({JamdQ>), H$a|gr mam
~moH$Z S>mCZ AmBAmaAma~r~r H$mo ZmnZo hoVw, (Ohm n`mdV Hw$b n`mdV Ho$ 5 n{VeV go A{YH$ h)&
i)
31 03 2009 VH$ `mO Xa
esa 25 ~rnrEg ?kVko ls vk; ij iM ldus okyk tksf[ke # 55-15 H$amoS> h &
ii)
bZfDoVh Ho$ ~mOma _y` _| 200 ~rnrEg Ho$ n[adVZ ls `mO Xa emH$ 219-45 H$amoS h &>
(2 le; varjkyksa _| ~rnrEbAma H$m nwZ _y` {ZYmaU)

192
Table DF 7
Securitization : disclosure for standardized approach
Qualitative Disclosures: The Bank has not undertaken any securitization activity.
Quantitative Disclosures: NIL
Table DF 8
Market risk in trading book
Market Risk in trading book is assessed as per the Standardized duration method. The capital charge for HFT and AFS is
computed as per Reserve Bank of India prudential guidelines.
The capital requirements for:
Rs. in Crore
Interest rate risk
220.43
Equity position risk
65.95
Foreign exchange risk
7.20
Table DF 9
Operational Risk
Qualitative disclosures
Capital charge for Operational Risk is computed as per the Basic Indicator Approach. The average of the gross income,
as dened in the New Capital Adequacy Framework guidelines, for the previous 3 years ie 2007-08; 2006-07 and 200506 is considered for computing the capital charge. The required capital is Rs. 341.59 Cr.
Table DF 10
Interest Rate Risk in the Banking Book (IRRBB)
Qualitative disclosures:
Embedded Option Risk (Foreclosure of deposits) is studied and factored in the interest rate sensitivity analysis. Based
on the interest rate sensitivity, interest rate risk in the Banking Book is studied on a quarterly basis. Earnings at Risk are
computed based on the Traditional Gap Analysis on a static position. Market Value of Equity (MVE) is computed adopting
the Duration Gap Analysis.
The increase (decline) in earnings and economic value (or relevant measure used by management) for upward and
downward rate shocks according to managements method for measuring IRRBB, broken down by currency (where the
turnover is more than 5 per cent of the total turnover).
i)
Earnings at Risk for 25 bps interest rate reduction as on 31 03 2009 is Rs. 55.15 Cr
ii)
Change in Market value of Equity for 200 bps interest rate shock is Rs. 219.45 Cr
(Repricing of BPLR in the 2 time bucket)
193

194
Form for ECS / NEFT Mandate / Bank Account Details

To
Cameo Corporate Services Limited,
Unit : Indian Bank,
Subramanian Building,
1, Club House Road,
CHENNAI 600 002.
Dear Sir,
Re: Equity Shares of Indian Bank - option to receive dividend through Electronic Clearing Service (ECS) /National
Electronic Funds Transfer (NEFT) facility at Centres where it is available.
I/ We hold equity shares of Indian Bank.
I / We request you to arrange for payment of my / our dividend through ECS / NEFT facility and credit the same to my / our
account as per details given below:
1. First / Sole Shareholders name
2. (a) Registered Folio No.
(If shares are not dematerialized)
(b) DP ID No.
Client ID No.
(If shares are dematerialized)
3. Particulars of Bank Account
a. Bank Name
b. Branch Name
c. Address of the Branch (with PIN Code)
d. Telephone number and Fax number
e.
f.
g.
9 - digit MICR code & IFS Code number of the Bank and Branch
as appearing on the MICR Cheques issued by the Bank
Account type ( Savings / Current / Cash
Credit with code 10/11/13 )
Account Number as appearing on the Cheque Book
(Please attach a cancelled blank cheque or photocopy of a cheque issued by your Bank for verication of the above
details).
I / We hereby declare that the particulars given above are correct and complete. If any transaction is delayed or not effected
at all for reasons of incomplete or incorrect information, I / We would not hold the Bank responsible. I / We understand
that the Bank also reserves the right to send the dividend payable to me / us by a physical dividend warrant on account of
unforeseen circumstances beyond the control of the Bank that may affect the payment of dividend through ECS/NEFT.
Yours faithfully,
Place :
Date :
(Name and signature of
First / Sole Shareholder)
Certied that the particulars furnished above are correct as per our records.
Place :
Date :
1.
2.
3.
Signature of the Branch Manager
In case you hold shares in electronic (D-Mat) form, kindly give the Bank details directly to your Depository
Participant.
Kindly ll in all columns. Incomplete forms shall not be entertained. Please ignore this form, if the same is already
submitted.
The ECS facility is available at present at certain specied cities only.
195
BgrEg / EZBE\$Q>r A{YXoe/~H$ ImVm {ddaU hoVw \$m_

godm _|
Ho${_`mo H$mnm}aoQ> g{dgoO {b{_Qo>S>
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gw~_{U`Z {~pS>J,
1, b~ hmCg amoS>, MoZ 600 002
{n` _hmoX`,
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(EZBE\$Q>r)Ho$ O[aE bm^mf nm H$aZo H$m {dH$n
_/h_ B{S>`Z ~H$ Ho$ B{$Q>r eoàm| Ho$ YmaH$ h&
_/h_ Amngo AZwamoY H$aVo h {H$ _oao/h_mao bm^me H$m ^wJVmZ BgrEg / EZBE\$Q>r gw{dYm Ho$ O{aE H$aZo H$s `dWm H$a| VWm ZrMo {XE JE {ddaU Ho$ AZwgma Cgo _oao /h_mao
ImVo _| O_m H$a|
1. nW_/EH$b eoàYmaH$ H$m Zm_
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3. ~H$ ImVo Ho$ {ddaU
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196
Head Ofce : 66. Rajaji Salai, Chennai - 600 001

PROXY FORM
(To be lled by the shareholders)
Regd. Folio No.
DP ID
Client ID
(If shares are not dematerialised)
(If shares are dematerialised)
I / We, resident(s) of. ............................................................................. in the district of ............................................. in the State

of ....................... being a shareholder / shareholders of the Indian Bank hereby appoint Shri / Smt. .....................................
resident of ............................................................................. in the district of ................................. in the State of ..........................
or failing him / her, Shri / Smt. ................................................ resident of ............................................................................. in the
district of .................... in the State of .......................... as my / our proxy to vote for me / us and on my / our behalf at the
Third Annual General Meeting of the Shareholders of the INDIAN BANK to be held on ______________, the __________
at ________________________________________________, and at any adjournment thereof.
Signed this .............................................................................................. day of ............................................................ 2009.
Please afx
15 paise
Revenue
Stamp
Signature of the Proxy

Name
......................................................
Address
......................................................
Signature of the rst / sole Shareholder
......................................................
......................................................
Instructions for signing and lodging the proxy form:
1. No instrument of proxy shall be valid unless,
a.
b.
2.
3.
in case of individual shareholders, it is signed by the shareholder or his / her attorney duly authorised in writing;
in case of joint holders, it is signed by the shareholder rst named in the register or his / her attorney duly authorised in
writing;
c. in case of body corporate signed by its ofcer or an attorney duly authorised in writing.
An instrument of proxy shall be sufciently signed by any shareholder, who is, for any reason, unable to write his / her name,
if his / her mark is afxed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurance or other
Government Gazetted Ofcer or an Ofcer of Indian Bank.
No proxy shall be valid unless it is duly stamped and deposited at the following address not less than FOUR DAYS before the
date of the Annual General Meeting, together with Power of Attorney or other authority, if any under which it is signed or a copy
of that power of attorney or other authority certied as a true copy by a Notary Public or a Magistrate, unless such a power of
attorney or the other authority is previously deposited and registered with the Bank.
Indian Bank
Head Ofce,
Investor Services Cell, 3rd Floor
No.66, Rajaji Salai, Chennai 600 001
4.
5.
6.
7.
Cameo Corporate Services Limited

Unit : Indian Bank
Subramanian Building
1, Club House Road, CHENNAI 600 002
An instrument of proxy deposited with the Bank shall be irrevocable and nal.
In case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be
executed.
The shareholder who has executed an instrument of proxy shall not be entitled to vote in person at the Annual General
Meeting to which such instrument relates.
No person shall be appointed as duly authorised representative or a proxy who is an ofcer or an employee of INDIAN BANK.
197
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198

ATTENDANCE SLIP
(To be surrendered at the time of entry to the Venue)
Date : June 29, 2009
Time : 10.00 a.m.
Venue : IMAGE, MRC Nagar, Raja Annamalaipuram, Chennai - 600 028.
Regd. Folio
DP ID
Client ID
Name of the Shareholder

Number of Shares
I hereby record my presence at the 3rd Annual General Meeting of the Bank held on June 29, 2009 at IMAGE, MRC Nagar,
Raja Annamalaipuram, Chennai - 600 028.
Signature of the Shareholder / Proxy / Authorized Representative

ENTRY PASS
(To be retained throughout the meeting)
Regd. Folio
DP ID
Client ID
Name of the Shareholder

Number of Shares
Signature of the Shareholder / Proxy / Authorized Representative

Shareholders / proxy holders / authorized representatives are requested to produce the above Attendance slip, duly signed
in accordance with their specimen signature registered with the Bank, along with the entry pass, for admission to the venue.
The admission may, however, be subject to verication / checks, as may be deemed necessary. Under no circumstances, will
any duplicate Attendance Slip-cum-Entry pass be issued at the entrance to the meeting hall.
199
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200

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dm{fH$ [anmoQ> Annual Report 2008 - 09

Head Ofce : 66, Rajaji Salai, Chennai - 600 001

To declare dividends for the year ended March 31, 2009.

M.S. Sundara Rajan

Date : May 29, 2009

Chairman & Managing Director

APPOINTMENT OF AN AUTHORIZED REPRESENTATIVE:

ATTENDANCE SLIP-CUM-ENTRY PASS:

dm{fH$ [anmoQ> Annual Report 2008 - 09

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{Zdb `mO _m{OZ 3.45 n{VeV go ~T>H$a 3.54 n{VeV ahm

A` Am` 1,035.44 H$amoS> Wr Omo{H$ 2.96 n{VeV H$s d{

2007-08 Ho$ 1.62

`` Ho$ g~Y _| ~H$ H$m `mO `` .4,221.81 H$amoS> ahm Omo{H$

df 2008-09 Ho$ {bE Hw$b n[aMmbZ `` 1415.13 H$amoS> ahm, Omo{H$

n{VeV go AmgV AmpV`m| na n{V\$b ~T>H$a

Ho$ {bE 24.51 n{VeV Ho$ {d 2008-09 Ho$ {bE {Zdb

Hw$b O_mAm| _| 11,536 H$amoS> H$s d{ go `h 72.582 H$amoS> ahm

gH$b A{J_ _| 31.03.2009 H$mo 11,603 H$amoS> (28.84n{VeV) H$s

nmW{_H$Vm jo A{J_m| _| 3,297 H$amoS>(21.79 n{VeV) H$s d{ go dh

H${f A{J_ _o 1,544 H$amoS> (24.53n{VeV) H$s d{ go `h 7,838

{dVr` g_mdoe df 2008-09 Ho$ XmamZ Bg `moOZm Ho$ AVJV 17.04bmI

2008-09 H$s Ad{Y Ho$ {bE Am` Ed `` ZrMo nVwV h

(nE H$amoS>m| _|)

dm{fH$ [anmoQ> Annual Report 2008 - 09

DIRECTORS REPORT 2008-09

Total Branch network of the Bank in India increased to

Total number of ATMs increased to 755 which included

INCOME AND EXPENDITURE

During the year, total income of the Bank increased

Net prot for 2008-09 was at Rs.1,245.32 crore as

Net Interest Margin improved to 3.54% from 3.45%.

Return on average assets was at 1.62% and 1.64% for

Other Income at Rs.1,035.44

Capital Adequacy Ratio stood at 13.27% as against

On the Expenditure side, the Banks interest expenditure

Return on Net worth for 2008-09 was at 23.35% as

Earnings per share as of March 2009 was Rs.27.96

Total operating expenses at Rs.1,415.13 crore for

Global Business of the Bank stood at Rs.1,24,413 crore

Total Deposits grew by Rs.11,536 crore to Rs.72,582

Gross Advances were at Rs.51,831 crore, registering an

Priority Sector Advances at Rs.18,426 crore, grew by

Agriculture Credit grew by Rs.1,544 crore (24.53%) to

During 2008-09, total recovery of NPA including Accounts

Gross NPA was at 0.89% as against 1.21% for March

Financial Inclusion: During 2008-09, 17.04 lakh

The income and expenditure for the period 2008-09 are

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dm{fH$ [anmoQ> Annual Report 2008 - 09

The Banks Net Interest income improved to Rs.2,608.52